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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
NATIONAL CITY BANK
Plaintiff
vs.
RICHARD F. WILSON
Defendant
No. 0\ - UtI
ClU~l 't~
COMPLAINT IN REPLEVIN
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
William T. Molczan, Esquire
PA I.D. #47437
WELTMAN, WEINBERG & REIS CO., L.PA
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#02332750
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IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
NATIONAL CITY BANK
Plaintiff
vs.
Civil Action No. 01-(,(,11 c,z..:L l~
RICHARD F. WILSON
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 SERVICES
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
717-249-3466
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COUNT I - REPLEVIN
1. Plaintiff is a corporation having offices at 6750 Miller Road, Brecksville, OH 44141.
2. Defendant is an adult individual residing at 107 Old York Road, Lot 11, New Cumberland,
Cumberland County, Pennsylvania 17070.
3. Plaintiff is the holder of a Retail Installment Contract Without Real Estate (hereinafter the
"Contract") and Security Agreement secured by a mobile home duly executed and delivered by
Defendant in favor of Royal Finance of PA Inc. on or about March 31, 1997. 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 1991 Derose Amherst, Serial Number
D1232455.
5. Royal Finance of PA Inc. 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 120 (one hundred twenty)
consecutive monthly payments of $237.02 beginning April 30, 1997.
7. The total principal amount due to Plaintiff pursuant to the Contract was $16,355.00.
.
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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 July 30, 2001.
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 $13,092.43 as of July 30, 2001.
12. Plaintiff avers that the Contract provides for finance charges at the rate of 12.25% per
annum.
13.
$223.89.
Plaintiff avers that finance charges from July 30, 2001 to September 19, 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 Defendant's' default, Plaintiff has an immediate right to possession of the
mobile home covered by the Security Agreement the value of which is $11,691.90, plus continuing
finance charges at the aforesaid rate of 12.25% per annum.
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 1991 Derose
Amherst, Serial Number 01232455 or, in the alternative for damages of $11,691.90 the value of the
mobile home plus continuing finance charges at the aforesaid rate of 12.25% per annum, 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 \, Plaintiff pleads an action in contract as a result of Defendants'
default for the accelerated balance due under the Contract in the amount of $13,316.32, plus appropriate
additional finance charges at the rate of 12.25% per annum on the balance due from September 19,
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 attomeys' 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 $13,516.32 plus continuing finance charges at the aforesaid rate of 12.25%
per annum from September 19, 2001, reasonable attorneys fees and expenses for retaking possession
and costs.
WELTMAN, WEINBERG AND REIS, CO. LPA
William T. Molczan, Esquire
PA 1.0. #47437
WELTMAN, WEINBERG & REIS CO., LP.A.
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
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MOBILE HOME INSTALLMENT SALE CONTRACT WITHOUT REAL ESTATE D.aled' Ik;itdt 31
, 19 -'ll AceounU
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ANNUAL FINANCE Amount Financed Total of Payments Total Sale Price
PERCENTAGE RATE CHARGE The amount of credit.previded The amount you will have paid after you The total enst of your purchase on
The cost of your credit as The doilar amount the to you or on your behaif. have made ali scheduled payments. credii. includi~g your downpayment
a yearly rate. credit wili cost you. 8t>\#.OO
of$
,
1'')0 .-~>!:j % $ t2087,.41i) $ i6,~tj5,. !lJltI $ 2~44i2.. ~ $ ~3ill~:" 4,0
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Your :payment Schedule will be:
No. of Payments AmolJnt of Payments
l~, $ 237.~
$ N/A
Filing fees:-$: S,. @1a .
. late Charge: If 11 payment is late, you will be ch~!'ged 2% of the portion of the payment which is late for each month, or part of 11 month greater than,lO days. that it remains unpaid.
AssuI1lPti.~n: S~meon~: b~yi~g your Mobile H~~me ca~not ~ssume the re,mainder of this Contract on the original terms.
See b~low and any other CDntract documents for any additional information about nonpayment default any required 'repayment in full before the scheduled date and prepayment refunds and
penalties. , ,,' , " e means, estimate
When Payments Ate Due
Monthly, b.ginning A tdi 36
,1997
Security: You are giving a security interest in the mobile home being purchased.
- Prepayment: If you payoff early. you will not have to pay a penalty.
In'lhisContract,
we,are
Ih,SELLER:
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110'VP.L F U4Ar.Ur OF PH
4714 ORCHARD STREET
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You are
the BUYER{S).
Name Address Zip Code
R1C11Af!!}F WU..BON.J1l 107 OLD YORY; flu un ,10 NEW CU/>1BERU4NQ, PA
Name(s) Address(es} Zip Codels)
PROMISES JOIKT AKD SEVERABLE: Illhere is more than on. Buyer, each of you promises, separat.ly and logelher.lo pay all sums due us and 10
perform all agreements in this Contract.
TRADE-IN:
You have traded in
thelollowingvehicle: $ NiiL$ NJQ,,$ "
"Year and Make Series Gross Allowa'nce StillOwiog Net Trade-In
If a balance is still owing'on the.vehicle you havtHraded in, tne'Seller will payoff this amount on your behalf. You warran~and represent to us that any
trade-in is free' from lien; claim, encumbrance or security interest. except as shown above as the amount "Still (Jwing."
PROPERTY--I~.SURANCE: '(o.u may choose the person thfQ~gh whom insuranc,e is obtained against loss or damage to the'.Vehicle and against liabiiiiy
arisjng out of qse or ownership of the Vehicle. If you obtain property insurance through us, the premium, costs for the insurance tenns indicated below
are included in the item called To Property Insurance Company ollhelTEMIZATlON OF AMOUNT FINANCED section 01 this Contract In the section
called YOUR PROMISES ABOUT INSURANCE onlhe reverse side of Ihis Contrac~ you are promising to insure lhe Vehicle and keep tt insured.
-1 ~obil' Home _ illther
""PhYsi~al Damage Ins: $ 'Term, :J.f> Mos" (Describe)
...:i:)Comprehensive on . _ Oth'er
Mobile Home $ Term ~ Mos. ' (Describe)
-'liire and. ' TOTAL
Theft $ Term ,------16- Mos. CHARqES $ 7&'~ 00
CREDIT IHsURANCE'lS NOT REQUIRED: Credit Ufelnsuranc> is nol requiredio obtain'crediL and will nol be proVided unless you sign b~ow and
agree to pay the additional cost Please read the NOTICE OF PROPOSED CREDIT INSURANCE on the reverse side. Your Insurance certificate or policy wilt
tell you the MAXIMUM amount,of,insurance available. ,.", . .
flOOD $
Term 3b Mos.
$
Term _Mos.
Credit Ufe lnsuranpe will Jilt be provi~~d. _ be provided for the term of the credit _ be provided for '
By signing. YO.\I.s'~lect Single Credit ute In~u'rance, What is your By signing, you ,both select Joint
which costS $- N Ie, age?~ 'iears'; Credit,life Insurance, which cQ$ts $
months.
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What are
your ages?
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Signature of Buyer to be insured for Singt~ Credit Ufe Insurance
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1.
2. "'If!
'Signatures o(both Bu~,~rs to be in.su'red for JOint Credit Ufe Insurance'.
Insurer.
VEHICLE: You 'agree to purchase; under the tel1lls of this Contract, .the 'follo,w!ng 'mobile hOme 'a,nd its appliances, funiifure, equi?ment and fixtures.
wmch is called the "Vehicle" or "Mobile Home" in this Contract ' ' , ' ., . .
N/U Yearand M!nufactuIQf,.length &. Width co(oi & Model Serial Number
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1~~1 OCROSE';~~r
OiZ:J.a455,
,:'1
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Equipped,
with ... ~ , , '
ASSIGNEE: We may ..a~lgn ,hiS nlial; an : ,~ti., ,~:6greement:to ttie'.ASsig~ee ga~eltiil:this se7~9~ .~,hic~ is. th,e ."Assignee.", l.t at. allY ~.rtte'~e
-Owner of the--Contract assigns the CiJnt~actto"another asJignee, Ute term then refers to sttch other asslg,tei!.. After the ~sJgnnYent, all nghts apd benefits
01 the Seller in this Contract.nd in the Ser:urity Agreement sh.11 belong to and be entorceable by the ASSignee. The As~gnee \S:
, NATIONAL CITY BANK OF PENNSYLVANIA EXHIBIt !
IF YOU DO NOT MEETYOUR CONTRACT
OBLIGATIONS, YOU MAY LOSE THE MOBilE
HOME AND PROPERTY THAT YOU BOUGHT
, WITH THIS COIflRACT, AND/OR MONEY ON
fm!jI0WlTH THE ASSIGNEE.
This Contract ~ between Selier an~ Buyer. All
disclosures !1m been made by Seller. Seller'
inlends to assign this Contract to the Assignee,
Itemization of Amount Fin;mced
Cash Price XMXXX~)t;'XKX '
164'30.00
\II/A
$
Cash Oawnpayment
$
NetTrade-ln
8>>0.0\\\
$
Total Downpayment
$
N/A
8HI. 00
Unpaid Cash Price Balance
$ 1'3'540.00
To Credit lnsura.nce Company
$, N/A
To Property Insurance Company
$ 786.00
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':.2 Lien Fee
, 8.. $
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'c $
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~$
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'" $.,
, T.
To'Pub6c Officials for.
license, Tags and Registration
$ 15.00
5.00
M/A
FLoor, HFDUH 1
~.00 '
ill/A
$
Amount Financed
$
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1;;'3'3'5.00
Finance Charge -
$ 12087.40
Total of Payments (lime Balance)
$ 2B442. 40
Payment Scbedule - You agree to pay
to us th: AJunl Fin:::;r::j::~eZo~::~:1 ._
payments of-S 237.. \-)i~
each. ana a iinal paymen( 0'1 i
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tell yau the MAXIMUM amaunt'af insurance available.
Credit life lns~ran~ will :.Jnlft b~ provided. be pravided tar the term af the credit. be pravided far
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By signing, yO\l.select Single Credit Ute Insurance, What is yaur By signing, yau ,bath select Jaint
.hich costs $ 1\1 If:! age? -'--'- Years" Credil'Ufe Insurance, which CO$~ $ ,
months.
What are
Wi A Jour ages?
Signature of Buyer to be insured for Single Credit Ufe Insurance
L
N/A
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'Signatures afbath BuX~rs to. be insured'far Joint Credit life Insurance
Insurer: '" " c'" "" ' " , ' _
VE~IC~: 'Yo.u agree to.' purchase, un~erth~' te~s,. ar-this. Contract, the"fDllolV}ng mDbile hD,me:'and its appliances, furniture, equipment and fixtures,
whlChlSca",dlhe"VehlCle"or"MobiIeHome"mlhlsConlracl ',,', "h,i", '",,,' " '", , '" ",c".'." "
N/U Year and M~nufact~re'r' '- len'gth & Y(!dth ~,'~,~::~;' " ',CoIQr.-&:,Madel Se~ial' Nu~ber ~,
':',
lq~l UEROOt~~M:t.
D12~S5
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Equipped
with
ASS!GNEE: We may.~ 'IS n rar; an ,'.eGln: :6greement to. the :!\!Signee !Jiimed' iit;this ~e'c~~~ whiC~, is.the ':~ijQ,ee.'~ If at','I\Y t,i"te ~e
-Owner af the-Contract assigns the COnb4act--lo<another a.s!igmre, the teFl1llhen refers to 'sltth other'"assi~ee,. 'Alte~the J(SsignnYent, an'rights alld benefits
af the Seller in this Cantract and in the Security Agreement shall belong to. 'and be enforceable by the AsSignee. The Assignee,is:, !
NATIONAL CITY BANK OF PENNSYLVANIA e
CO-SIGNER: Any person signing tlle Co-Signer's Agreementbe~w promises separ.tely and logelller\with .U Co-Signer(sl .nd Buyer(s), to pay aU sums
due and to perform!alt agreements'in this.Contract Co-Signer will not:be an Owner:'of.the Vebicle. . ", ~,
CO-'OWNER: Any persQq signing the Co-Owner's Security Agreement below gives U$ a,securjty interest in the Vehicle and agrees-separately and tagether
with aU Co-Owner(s) and Buyer(sl, 10 perform aU agreements in Ihe Security, Agreemenl andaU,otller parts of Ihis Contracl excepl the "Promise to Pay"
sectian. _." .
TERMS: The terms shawn in the baxes above are part of this Contract
PROMISE TO PAY: Y,",agree,!o p.y .sthe Total Sale Price for 'Ih'., V.hicle by making the Total
Downpayment and paying us the,Amourrt Fin,apced plus,interest YDU promise to. make'payments,:<;
in 3ttofdanca with the Payment Schedule. You premise to make payments on'or befare'the ,same, ':.
day o.f each month as the first payment.due.-date. Yau agree to pay, all Dther amaunts which may,
become due under the terms af this Cantract. You agree to pay the Seller Dr Assignee costs Df
suit Yau also agree to pay reasanable attorneys' fees if Seller-or Assignee hires.an attarney to.
co.llect amounts due under this Contract or to. pratect or get possessian aUhe.,VehicJe. You agree
to. make payments at the place~or ,to send, payments -to theJlddress ,Which the 'Assignee most
recently specifies in the written natice to. YDU.
3y signing below, we agree to. ,sell ~~~ Vehi~4.e .to-'you,under the terms of this ,~o-ntract
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~ Ul,;ell:ie, lags allu negrsuauon .
" $ i5.00
"
:e Uen Fee
8. $
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5,,00
$
To
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To
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FL
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$
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Amount Financed
$ 1&355.00
Finlnee Charge .
,$ 12067.40
1 utal of Payments (Time Balance)
$ 28442:...0
Payment s:.hedule ~ You agre'e to .pay
to u~the,~Fi~,~',~~~.~i~',:,
,li'1 uninterrupteilrilili1ll1ly
payments of $ 0:37.02
each, a'nd a final payment of
$ g:.n. 0'2 ,Thefirsl
payment will be due on 03"''' '
19 ll' ,and then payments
will be lue on that same day of each month
following.
SECURITY- AGREEMENT: To. secure the 'payment of all sums due and the performance of all
required o.bligatiDns under this Cantract;- yau give II security interest in the Vehicle; in all
aWliar.ces, furniture, equipment and fixtures (called u~s'1 attamecUothe Vehicle at any
late~ time,. ,and, in a,ny p!'llceeds o.f ,the Vehicle, including ,i,lsurance 'proceeds. The Assjg~ee may'
set-aff any amaunts due'and unpaid under this Contract 'against any of your money on'depasit
W~~,~~ignee. This includ~ ~nrm~n~y whic~~"i~, n~ or. !JIay in, ~e future ,be.Jf~posited with
AsSignee. by you. Assignee may do thIS Without any poor notice to you.
AOOIT.lOHAl tERMS AND CONOITIDNS: THISCDlllRACT CDNT\NUES ON THE RE'lERSE SlOE.
YOu ARE OBLIGAtED TO All THE TERMS OF THE CONTRACT WHIClfAPPEAR ON THE mONT ANa
REVERSE SIOES_ , , ,
. NOTICElOBUYER:""OO NOT SIGN THIS CONTRACT,IN BLANK. YOU ARE'
ENTITLED TO ArfEXACT COPYOFTHE CONl'~CTYOU SIGN. KEEP ITTO
,PROTECTYOURlEGAl RIGMS; ,,',
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CO-SIGNJ;:R'S AGREEMENT: YOU SHOULD READ THE NOTICE TO CO;SIGNER,WHICH HAS BEEN GIVEN TO YOU ON 'A SEPARATE DOCUMENT,
BEFORE'SIGNING,THIS'AGREEM-ENTlYoU',:the person (or pers01is) signing'below as '''Co:.Signer,'' piciririse to pay to us all'sums due on this'ConUact-and to perform ail
agreements in1.bis Contract; Yon' intend to beJegally, bound by:-a111he terms of this Contract, separately and together, with the Buyer. You are making this promise to induce us
to. ma.ke this'e-ontraet with,tbi: Buyet~ even tbo'ugh We will use the proceeds only for the 'Buyer's benefit. You agree to pay even though we'may not bave-made any prior demand
for paymeni On the Buyer or exercised ~ur sec:~~t~, interest. ,.' ';", . '
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Co~Signer's Sigriature
Ad~!qs.~
(SEAL)
Co-Signer'l> Signat\U'e
Address
D~\e
Date
:~OWNER'S' SECURITY~-~GREEMENT: y o~ the pe~s~n signing b~lo-w ,as. "cO-Owner,". togel,her .with the"Buyer' or ()the~ise being all of tbe OwnctS of the Vehicle, give us..a
;ecunEy Interest in the VehIcle identified above. You agree to be bound by the terms of the Security Agreement and all other parts" of this Contract except the "Promise To Pay~
ectio~. YOll are;.gi'Ving uS the sel;unty interest to lnduce us to makt!.this Contract with the"B:uyer, and to secute the payment by,tbe Buyer of aU sumsdue,op,this.Contract:Yo~ will'-
tOt be responsible fOf any deficiency which,:might be due,after repossession and sale'ofthe-Vehicle. .
(SEAL)
:o.Owner's'Signature
Address
Date
lUYER CO-SIGNER AND CO-OWNER, AS APPLICABLE, ACKNOWLEDGE RECEIPT OF ACOMPLETED COPYOF THIS CONTRACT
n THE'TIME OF SIGNING., " " '.',,',...,," , .
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BUYER CO.SIGNER
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION.
ANCONSUMER FORM PAS30103.46 (9/96)
r.C)pY
CO,SIGNER OR CO-OWNER",
f,;.1996'aANCONSUMER SERVICE, lNe_
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The landlord's'Wiliver must perinit us toenter on the premises and to repossess the Vehide if We
"have the rigt:tto do so'under this,Contrac~ even if you are in default of your lease. You agree that
you must perform your promises un'der the Contract even if the Vehicle lost, damaged 'or
destroyed. .' on ,
10, YOUR PROMISES ABOUT INSUBAWtE: You will keep the'Ve,hicle insured against fire, thefi
and other ,hazards including flood, as, required by law, if the VeHicle is located in a special 'flood
hazard area, against which owner's customarily insure such Vehicles until all sums due us are
paid'in full. The insurance coverage mus~,bi;satjsfactory to us and protect your interests and our
interests-at the time of any insured loss~ Ttie;insurance must name us as "loss-payee" on the
policy. The insurance must be written by an' insurance company qualified to do business in
Pennsylvania and licensed to sell insurance..,in: the stale where tne Vehicle is permanently kept.
The insurance policy must provide us witli at-'Ieast 10 days prior written notice of any cancellation
or reduction in coverage. On request. you, shall deliver t~,e policy or oJher evid_ence of i.nsur~nce
covera~e to us. In tile event of any' loss or :dam~ge to the Vehicle, you -will immediatelrnotifY'lls in
writing ,and file a proof of loss' with the insurer. We may file a proof of loss on your behalf if you
fail Of re:f~~e__ t~, ~!'Ji9:..we. ~.a.~ ~~,~ors~ .~,u,~.name. tQ any, check, d[a.ft. or JrtherJnstr.um,ent ,W.e..
receive in payment of an insured'!o~,or return insurance pre!i1ium~ We'niay,appl~;any:
insurance proceeds we receive to repair or replace the Vehicle if, in our opinion, it is
ecoo~mic.aliy leasible and y~u ar~ not then in default under thiS Contract OtherWise, Vlewili
apply the insurance proceeds to r#duce the, unpaid bala~ce dua.us. .,.. " ~ ..~
II. OUR PROMISES ABOUT INSURANeE: ThiS paragraph applies only iI we have contracted to
pufchase'physic,aJdamagl;!,',comprehensive, fife and/or theft insurance at your expense and the
premium has been inchidBd 1n the Amount Financed.It,does.AQt apply,to Credit Insurance, If-yoo
prepay, the sums due on this Contract, unless you specifically request cancellation, the insurance
Viill rertl'ain i~ effect to."its sche~uled}3xpfiation date. If the insurance we obtained for you is
canCelled by thtl insurance company prior to.its'sche{Jl1led,:-expiratiOll:,dJlte,'we-,wi1h.ttempt"lQ
place comparable"insurance with another insuranQ~ company o'~ Y,~ur b~rr.a1f ,and give'; you' a C9PY
of any insurance policy we obtain on your behalf. 'lfwe are unable'toll1'o so, 'we will n~ti.fy you1ha,t
you m'ust 'obtain replacement insurance from an agent or broker of your choice. If replacement' '
CDverage results in additional costs'to'you;-for the unexpired period of the original insurance
policy, we will reimburse, you ,forcthe costs. ~
, '~IiIIdur.........h "~J ~""j-'IiiIlliiIiiI'""""'i.o ,-~' J..i~i~ilII~f
""'~'~_~ll.~A,
15, SOME THINGS YOU SHOULD KNOW If WE'REPOSSESS THE'IEHICl!: II ,w~ repossess',
without using a government official (by replelJinj:
a. NOTICE:, We"will send ,you a' NoUc,e of -R.f!~ossessiocr.to your-last addre~,-I..!e,know, about.
, This Notice will tell you how to buy back (redeem) the Vehicle. This Notice will tell you other
"-i'nformation required b'y law. . ," l..' ,-"',,, " , ,;: ,'" ~
1," "b,.C~,RE:.Y.qu have th!!,!igl1t to cure yOJJr Default at any time before we sell th~ Vehicle.,l(
you cUre your Default, the Contract will remain in effect as though tlie Default ha'd not 'occurred.
c. REOEMPTION: You have the right to buy back (redeem) the Vehic;, with 15 days 01
mailing the Notice of Rep'ossessio~_@n_cL~J any later till!.~ !!.efor!l we ~.~!Lthe ve~icle~ _
d. SALE: If you dO,not cure youc,Qefault or re,deerfi ,you ,give ,-up, al~.(iajm: to an-d .we will sel!
. the Vehicle.-ftTnnoney received at sale will be used to pay costs and expenses, and then to pay
the amount you owe on this Contract
e, SURPLUS OR DEFICIENCY: II there is money lefi, we wiil pay it to the BuyeLlt there is not
~no~gh mon.~~.f~o.l1l the sale to pay what you owe, Buyer and Co-Signer agree to pay what is still
owed to us. .
1J1C?ENSE~J'Ie havUbe right lO.E-harge.you, !n~,Jo..u,!gree JO_I!!'J the .costs 01
.repossessing, storing, repairing, preparing: fOf sale .and sellmg the Vehicle as maY be allowed by
law. These costs will only be due if:. ,... ,S:" ~ ,'" ';i
", 1" Del~QiI~xCeeds fiileen'(15) days at fhetime otrepossession; ,,-"
.1~Ifie:ainQunt.o1.costs are:adu'al"neeessiIJ.aod.reiSo:mible;"and:, ".
3. We can prove the costs were paid.
16, HEIRS AND PERSONAL REPRESENTATIVES BOUND; Afieryour death, this Contract shall be
_ .enforc.eable...against your heirs,and. p'e.rsQnaJ representativ:euf your esta.te._~,_,.
17. GOVERNING LAW: This Contract is to be interpreted according to the law of Pennsylvania. "
18. SEVERABILITY OF PROVISIONS: II lor any reason any pari 01 this Contract shall become
iliegal, void-or:unenforceabl.e."that part $~~Ir o'ot De ijiart of this Conti.aG~'~- ~,'. ',. "
19, ASSIGNMENlBYBUYER: Buyer shail not assign,thl.Contract., '. ,
20, THERE ARE NO WARRANTIES BY SELlER,'EXPRESSED OR ,IMPLIED, INCLUOING THE'
WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICUlAR PURPOSE. UNLESS
WE HAVE GIVEN YOUk~EPARAT~WRITTEN WARRANTY,
. " .i..,_ ,~, ,,':, ", ,':., '."'.,,;,:' -:: ',: ,.".:_, :;~",~ .~,l'-!;~':'" ,,'
NOTICE-ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO,Jlll CLAIMS AND.DEFENSESWHICH THI,DEBTORCOULD'
ASSERT AGAINST THE SELlER OF GOODS OR SERVICESOBTAINEO PURSUAtHHERHOORWITH THE PROCEEDS-HEREOF, RECOVERY
HEREUNDER BY THE DEBTOR SHAll NOT EXCEED AMOUNTS PAID BY THE DEBTORHEREUN'DER: " '.,', "
0'" ' NOTICE OF PROPOSED CREDIT INSURANCE"':'"'''''' . 'i'" '; ,"
The signei(,) of this Contract herebytake(s) notice that Group Credtt life Insurance coverall1' will be applicable to thisContract-ifso,'marked on'thefront otthis Contract, and the
coverage will be written by the insurance company'named.This insurance, subjecrlo'acceptancebythe,iosurer, coverSo",y'lh~ ilerson'or':p~rsons'sighhig thO'ieQuestfor'such
insurante; The amount,of charge is 'iMicated for the' Gredit Insuranceto be,purchased. The term'ofinsurarice will commence as,'Of the date the indebtedness' is: incurred and .wiWexpire
on the original scheduled maturity date of the indebtedness, 'unless ashorler,t~rm Is so marked, on the'front otthis Contract. SUbject to acceptance by the insurer and wtthin ,30 days,
there will ,be delivered to the insured d~btor(s) 1i certificate'of insurance more iully~escribing,tIIe'insurance,lnthe event of prepayment ofth. indebtedness, a refund of insurance
chargeswiii'b~madewhendue.' " '. ",::"" . ,'.' ".".'" ..,' ,"'''''' ,', '," ." ..,..'..: "
:.. ',' ".".
.. ,'>",,'c, ,:'"HOTlCE:~E;'PTHER~Il)E~ORIMPORTANTlNfORMATlON.," ,', ..", ,,,,,J' ',,,'b ',,'
,: , THE PROVIsiON BELOW IS:NDTPARTOFlllEtENRSYl.V,A,NIAM~BII,~HOMElNSTAlLMENlSAlECONTRACUlETWEEN,tHE,BUYER AND SElLER, ,n: "'. " "
. ., "';.:: 0, iAS$$NMENT :.. ',' ,"', ' ,""
, To ,induce you, the "Assignee"jdentifled on theJace of.U\is.Clmtrac.t, to putchase:Ule withil\'.-Con\racW.l-lt Seller l\erebYnwarr-ants.and ,Jepresents, ,and &ontmues-to warrant-imhepresent that the
sale, has, been made in st.~ict confor;Qiity ~!t~ all applic~P!e.f~d~ral(state.a~4 ~l;14Yis igd.'regulati9ns, including, but noflimited to"Article" Nit th&:r~erlnsylvania;Uniform COmmercial Code,(13-Pa,
C.S.A. i~2101..et ~eqJ; Ol.!f title to the ,CQ~tra.ct and;ttle V~bi~e, Cl)vereq -therE!!JY.,i~ abSO;lut~,-'free:. 'Of all liens, encumbrances and security interests, and is subject only to the rights of the Buyer as set
forth ther_ei~; the Coi1trac~ is genuine, fhe' sj~nature~ ther~(I* Pf~' not forgeria\:~ose fr~nr ,~he s~l~ of:the Vehicle ~herein described, and all parti~s thereto are of full age and had capacity to contract;
the descnpllon of the Vehicle and extra eqUIpment IS complete' and correct;the cash dtiWnpayment and/or trade-In allowance were actually received and no part thereof consisted of notes, post-dated
checks, other credit advanced by us to Buyer or rebates or similar payments from us to the Buyer (h9wever manufacturer rebates may constitute all or a part of the downpayment); all warranties and
statements therein ar.~ true; there is owing thereon the Amount Financed plus interest at t~~ ,An~ual Percentage Rate of the Contract set forth therein; we are duly licensed under the Pennsylv.ani,~,_
Motor-Vehi.cle Sales Finance Act and have -duly- complied with all requiremenls-thereof with respect to the-tr-ansaction and-with-the federal fruth-in-lending-'Act- and with any'other federa-l 'or statirlaw,
rule or regulation applicable to this Contract; a.mobile home title certificate Showing a lien or encumbrance in favor of Assignee has been or will be applied for promptly; the Buyer(s) named in the
within Contract is (are), peqonally known to the Seller to be the same identical person{s} whos~ ,sig~attlre(s) is, (are) affixed to this Contract; and Seller has no knowledge of facts impairing the validity or .
value of th.e"Contract: 1f 'any' such-warranties or represent-atiOf15".soould be breached-aHny"time, 'Seller'-s+tafI-repurchase said Contract'from Assignee, on demand-;-and-will'pay--therefor,' in cash, the
amount owirig thereon, computed as set forth below, and said remedy shall be cumulative and not exclusive, arid shall not affect any other right or remedy that Assignee might have at law or in equity
against Se"~r. In the event t~at 9uy~r faiis_or refuses to.m.a~Jlany p.lly,meflLdue h,elellnd.e.Lon .thaassertio,n, eithecoral or written, that the VehicleJs.l1efective, Dot as represented .to thiLBuyer by,
Seller, or t!JaJ;~eller.. refuses to hon~r ,any ,warranty or service agreement,{)f.Seg~r or m.a,n~actur,~r; Seller .agrees that, :O,n being adviseq by Assig.oee of :.such 'claimllf'Buyer, 'Selmr..will-reJJ.Ul'Chase the
Contract from Assignee and pay Assignee for same immediately in accordance..with the, r.ep',u~chase terms, set forth below, and Seller further fjgrees'.to, hokt!Assignee .harmless froJJY2ny,othepclaim$. of,
Buyer,jncludil1g ~ttorn~ys' .fees, cpsts ,an.d ,eXRenses incurred, in de~~ndiQg,aga.inst cla,irtJ,s;3,sserte(h~v.. '6u.jer and ,incJuding,claims,for refll!1d:qf:,Jl,ayments made,bre.uyer to Assign~; It Mle..Sellet
contracts to p.urchase prope,!1Y insurance ooJJehalf. of the ~uyer, an4 ,th~t insurance-.is.,c,aRceHE1d,by th.e il:lsurance -"J>l1lpan,y ,prior"to iti !!:~edvled expiration date.:.Seller, will ,-aUempt to,plaae
comparable coverage with another insurano'e company on behalf of the Buyer, If Seller is unable to do so, Seller will notify Buyer and Pity:to-au~er any additional, costs. incurred by the,B~~e.r ill'
obtaining replacement insurance for the unexpired period of the original insurance policy. By delivering this Contract to the Assignee and accepting payment for it, Seller authorizes the Assignee to
complete or correct the identification of the Assignee in this Assignment to reflect the true Assignee who purchased this Contract, and/or to sign SeU~r's name to this Assignment, without recourse, if
the Assignment has been delivered without Seller's signature. , __ _.. ._, ", ., "_ ,_ ,_~: _." ' . ., , ,_ _ ,,_ _ __ , ' , . ".,.
In lh-e "event .that Seifer is re(jui.re'd'bY this Assigrimeiit to repurchase the Contract a9J!!:9F:Y,ehicle, Seller ~hall ~ay to Assignee, in ~ash, ~he full unpaid balance of the ~a_ntract ~~ of-t~~, d~.t~ of
repurchase, plus any then earned Fmance Charge and any and all costs and expenses pata or Incurred by AsSignee In respect thereto, mcludmg reasonable attorneys' fees, In connection WIth claims
by or against~-"Y Buyer, O_wn,~r _Of-persons in POssl;l~,~.ion of the ~E!hlc~ and/or oy or ag,alo.stSeller. . ',_,._ ._ . _ . _ . _ _ .'.
For value recfived, Seller hereby sells, assigns and transfers unto the Assignee, its successors and assigns, the within Contrac~ all moneys due and to become due thereunder; and aft nght,,-,title
and ir,terest In''aM \1} fue-V-ehi'ti\~ tnereifl d-escfibed, 'tfitn fu\\-~er 1n tne Assigne~ \r;-its-{)r-oor name.to-talre such. 'regal or other action wh\ch 'fle migM' have taken'"S8ve.for this' Assignm~nll,jt!le~
Seller marks ,either of tf1e endo"ements biiow;,tttled "WITH:FUlL RECOURSr: or "WITH ,REPURCHASE," Seller's assignment shall;..xceptlor the provisiliilS ot ,tiie'paragraph tftIed "Msiinment;"lle'
wltiwutrecourse. ,~ ~,.' '-~~',;1'1;-' t.'.:!.....,f,......', "'; ,- ~ '.j' J,.Tl~" '
o WITH FULL-RECQURSE-SeILer agrees that, in"addition:to.:the par-agraph:alxwe titled ~~Assignment~"in ~he event'of default by Buyer in the fOil payment-on the due, date' thereof tlf.:-any installment
payable under the Contract or in the prompt,performance of any other obligation to be performed 'undepthe'Contract by-Buyerl Seller will;""on~'demand by-'Assignee, forthwith repurctlasethe Contract
from Assignee for a repurchase price, in cash, computed as set forth above. ,
o WITH REPURCHASE-Seller agrees that, in addition, to the..p(ovisions of the paragraph above titled "Assigmnent" jn the event of any default uyer which shall,entitle Assignee to repossess the
Vehicle, Seller will, 'if the Vehicle is repossessed by Assignee and delivered to Seller, and without regard to the then condition of the Vehic orthwith repurchase the Contract and the Vehicle from
Assignee for a r~pu.rchase price, in cash, computed as set forth-above,
If seller~a separat~ a reement with Assignee, that agreerrient will govern.
Bysigni elow,we to~soV;~e:~
Seller 0 '~I, By
BANCONSUMER FORM PAS3tllQ346 (9/96)
Date
~.
-~,'
-""" ~< ~~"~.-
iIl_~,-,,,,,,,",~,,,,~jli!!llltilJllnrl~il~ll.<ll~~!>i~~ilOil'i/t;l~~~~~~,lt5"'~~,,,
ADDITIONAL TERMS ANll CONDITIONS
L HOW THE TOTAr OF PAYMENTS'IS COMPUTED: The Total of Paymenls is Ih,sum 01 the ,12, OUR RIGHTS IF, YOUBREA~YOUR PROMISES ABOUT THE SECURITY INTEREST, VEHICLE
Amo~nt Flna.ncGd and the Fm~nce Charge. The Finance Charge consists solely of interast OR INSURANCE: If you fall to i{~ep your promises'to pay',filing'fees, taxes, liens or the costs
computed dal.IJ on the outstandmg balance of the Amount Financed. The Finance Charge shown nece~sa.rY .t~' keep the Veh.icle in good conditio~' and. repai~, we may advance any money you
~~h~deU~~~n~~~d~a~~. been computed on t~e assumption that ~e will re,ceive all ~ayments on their promised to- p.ay: If 'you fall' to k,eep your promises about' required insurance we 'may advance
money to obtalll Insurance t.o cov.er loss or-damage to the Vehicle. We have the choice. of whether
2. ~O~P~TING INTEREST: We will charge interest on a daily basis on the outstanding balance or not to advance any mon~y for these purposes.. Such insurancecwillbe limited to an amount not
subjec,. to Interest,o,n each day of the loan term. The daily interest rate is equal to the Annual greater than yo.u owe ~n thiS Co~tract. We will add any money we advance on you'r behalf to the
Per~entage Rate dJVlde~ by 365.. Borro~~r agr.ees that because interest is calculated on a daily balance on which we Impose FlOance Charges at the Annual Percentage Rate of this Contract.
baSIS, late ~aymen~s .wIll re~ult 10 add~tlOnal mterest (and, if applicable, a late charge). Ea'rly X?u agree t~ repay the money advanced as we alone may specify: (i) immediately on demand, or
payments Will reSUllln less mterest bemg charged. Early and/or late pavments will cause the (II) alon~ With your monthly paY!)lel1ts. If we choose to allow you to repay the money advanced
amount of the final payment to change. ,... u_ . - ~... ,along With your,monthly. payments",we can l;bQose, the amount. of these payme'tJ,ts and how lon'g
3; ~TE CHARGE: Buyer a~rees !o pay a, late charge for any payment not made within 10 days you have to repay. If any of. our rights stated in this paragraph is not permitted by law, we stH!
,a~er!ts due. date. The late charge wi~l be- 2% per month.on',the unpaid"amount:of,the~payment. have the other ng~ts ~entl~ned. Our payments on your behalf wiH not cure. your failure to
#e WIll "onslde any p rt of th f 10 d t b f II h perform your promlses.ln',tl]l,S.. CCIf1"tr~ct. Tbe prpmises y,ou made irr the 'sections above called
, era ", amon" In e~,esso ays 0" u manL The la!echarle.will ,Y.OUR, FROMISES ABOY:, lCfHE VE,HIClEannOUR, PROMISES' A"Bn"T.INS'U""nc' E.'and ,our
b~ due when earned. No late charge will"be due if the.reason'ti1cit"the,paymentfs lawls because, '. U-U 1\1\ -
after default, the entire outstanding halance on this Contract is due. No late charge will be 'due'if: '- fights u~~er thIS se,ctlo~n"shaI1n"~~met:~e:jWfttullY judgment entered in any legal action and shall
th~ only reason that the payment is late is because of a late charge assessed on an ',earlier. apply until all amounts owed are paRI mlurr-"-; '".;': '
p~'yment. 13':nrrAUL!: In ~hi~ pa'r'agr~pfj "You" m-ean~ the Buyer, Co"Sign'i~r aM C~"Owner" or any o'ne ,of
4. APPLICATION OF PA'iMHHS:We,will;~-pply Pft~m~n,ts in1~e:(olla.wing'ar~err.oA, priority:,: '; t~em.You Will be In Default of the Contract If any one-or.more ofthe following things nappen:'
interest, late charges, fees and then principal. ' . ' - - - a~' You dornot'make'any pay~entlln or fi~rejfis:due; or , " ~: ;: ,., , ..-
.~ . . ,;:r",'" ':;"...;' ',- b. ~ou do- Aot,keep: any promise ~ou. madrun this Contract, or
.5: P~.~PA!ME,NT: You ~,ay prepay; ,I~ .fu!~ or ~n. Piut,.the amount owed on thiii"C9n~racqt ~ny " , c. You do not kee>> anYJlfomise you made In another Contract, Note, loan or Agreement With
time wlthou,~ penalty. If you prepay tne Contract m part, you agree to continue to male regularly ,'~ 'Seller- or AsSignee; or . ': "
scll~~.duled P~Yf!l~':tt~-.~f!t.i;ty'~u_~a!, a!La~.q~m;~~.ue~~~~d,E!.r t~!s ,~,~e;.~j,~ "Yi,I.L!,edu~~,,~~~,,~!l~be! ,."d.. You. ~ad,e ~ny u~!!u: state~ent in the credit application for this Contract; or
?f payments y~u\'fllf ma~e.1f yolfp'fepay InTu-rr, we: wnf rmuna to'you'illfy'mlearned'credlf' o~'""e. You'cotnmltte&--arrrforgeftm'cohnectiotr~itlt>thiS:COnlr-act.or- ,,,,,"'.-;O';,,,,:,~ ":
msu~~-:RCe, pfe~1f~~~yo.~?'ald. ,) ~ '! _r'-, . f: ~o~ die, are convicte.d of a c~ime involving fraud or dishon~sty, or are found by a court with
6. WAIVERS; 1'.;).' ',1.,. ,.::,!'" JUriSdictIon to do so to be incapacitated; or .
~~~W~~VE,R ~.:SEtlE~A~1>,:.A$SI$NEE,:,.'W~,and ~~ig~ee waiy,~ the right toJre,at any P!ope,rty g. Yo~ file ba.nkruptcy or insolvency proceedings, or anyone files bankruptcy or insolveij'cy
as'securlty for 'the ,repa,Y:f!lel)t oUhis C,ont~~ct, except" for :the Vehicle and the other security proceedmgs agal~st .Y.~u, or .' - .' . - ,. , . -
specifically mentioned,'irr' this Contract. ;'. ~. You take the Ve~lcle outSide the Umted States or Canada without our written consent; or
. b. W~I.V,E,~,~:a~ ,~,uy:~~..c.q-SIG~~.~,~N,.~CO"OWNER: You agree to make all payments on or I. Yo~ use the ~ehlcle or allow someone else to use it in a way that causes it not to be covered
befo,~e..the.~"are. ~~~,~illl(~~.t~~r,;-hav.U1,~.,tQ: a~k You give up any right you may have to require by, your msurance, o~ ....', .
that we; enfO!.ce',ouqlghts agamSt;some..oth~r person .or property before-we enforce ounights . J. -Y~~ do .s~,m:t~mg that causes the Vehicle to be subject to confiscatIon by governrimnt.
agairist.you. You agr.ee..thau,eJi1ay~gi've .ujfQur rights: aga,inst'som.e. other, persoll ,but oot.again~t ~ut~ontles; o~~ t':. ,J ' , ," , " .
YOUi~YOU waive l:Iue diligence. in.coJlection arid' all defenses based"on suretyshfp";aild'impairment ,k., Th~ V.ehlcle Is,lost, sto!en, destroyed or damaged beyond economical repair~ 'andilot fixed or
of coltateral'orseclIiity---:-. -.. :..~'~ foundwlthJna.reasortahl~.tlme;or. ... ,.',_" _, ,', . "'. __ "",,::~,:,'
7. INTEREST AfTER MATURITY AN~:'~'~DGMENT: Interest at the rate provided in this Contract pr~ce~~~ther creditor tries to take the Vehicle or your money on deposit with Assigneeby~legal
shall continue to accrue-.on the unpaid balance until paid in fuJI, even after maturity and/or after ; . '
we get a judgment againsl you,",t~e'amouhls due, lhis will apply even .lllhe maturityocc",,-, .14. OUR RIGHTS IF YOU ARE IN DEFAULT OF THIS CONTRACT: If you ar.)~ Oelault ~I this
because of acceleration. If at any time ioterest;as provided for in this paragraph is not permittel!' Co~!J"~ct,,;'(f;e, lJl~y .enforce our ngh:ts-accor~mg to law, a~e~"w~;'Mve, gIVen you any applicable
by law, interest shall accrue at the'highest rat.e ;allowed'by appliCalile'law"begi'nning-attha\.time:', ~oti~e and(or ngh,t.t9,cure"as,requlf-~d by,!aw~ y:ie may alsQ,do.,the,thing,s,-;~p'~c!ficaUy mentioned
",~: " . . " ,,", 10 thiS Contract. We,may dll one of.W~e thmgs,and at the same time pOate(do.an.other. Some ,of
B. YOUR PROMISES ABOUl OUR SECURITY INTER,~:'You wlll'nolper,,"t,anyoneolherthan us the things we may do are the lollowing:" " ,.:. 'c.:,' ,
to obtaJIl.a; security I~ter~t or other r.lgh~ In !tie Y~nlC,le. y~u will paY,~n,mm.g'~e~,n~ce~ary for. . a. ACCELERATION: W~ can d~mand'that yriu 'pay to'us the entire unpaUHia'limce owing on
u~ to.ob~1n and mamtam our ~e~~nty Interest m the Ve~lcI~.,Y(ju ,,!IU-asslst us I~ haYI~,g -our the Contract and ,all 'unpaid Finance,Charges and other money,due. You- agree'ttiat you will pay
sec~nty mterest noted on t~e Certificate ?f Title to '.he Vehicle: Y~u'~IIl, not sell ~r give away -the this money to us in,ohe single payment immediately upon.receiving our demand: :
Vehicle. If someone puts a,lIen,ontheye,hlcle, you Will pay the oblrgatlon and: clear the nen; . ;b;'REPOSSESSION: We:can repossess the -Vehicle. unless' prohibited'by law:-We' can do this
9. YOUR PROMISES"-ABOUT TH(VHIICLE: You will keep the Vehicle in good condition and ourselves, hav~ a qualified person do it for us, or have a government official (by replevin) do it
repair. You will pa,~ _~1I taxes and ~.harges on the Vehicle. You will pay aJl'costs of maintaining the for us. ~ou ,~g{~e ~at we ,.ca,~ peac~ably come, on to you.r property ~o do ,t~is. We may take any
Vehicle. You, will not- abuse th~ V~hlcle ot permit anything'"fo be aOlle to the Vehicle which will ot~er things found In the Vehicle,. but Will return these things to you If you ask. If you want these
reduce its value, other than for normal wear:and use. You will not use the Vehicle for illegal thrngs back, you agree to ask us In a letter sent to us by certified mail within 24 hours.U'you do
purposes or for hire or lease. Yo_u,wiftnpt move the'Vehicle from your. address shown on the front not send us, ~his letter, you give up any claim to these things. You agree that we may use your
of this Contract to a,new permanent place without notifying us in advance. You will permit us to license plates in repossessing the Vehicle and taking it to a place for storage.
inspect the Vehicle at any reasonable time. You agree that the Vehicle will, at all times until this c. VOl~~TARY..DELlVERY: We can ask you to give us the Vehicle at a reasonably convenient
Contract is paid in full, remain per.sonal property. You agree to place the Vehi~le.in .:;uch- a WM _pl~ce. You agfee,to. give us the llehicle if.we ask., : .-
that it can be removed without substantial damage or impairment of its value" If you plan: to place d. D~4'Y ,IN: E,~FP,R;~EMJNT:.w~ can delay:ento~cing our'rights under this ~.ontracfwithout
the Vehicle on ap~emi~es YO,u are leasing: you must.ohtain a landlord's Waiver ,satisfactory,to'u5.-: ";, losing an~ rig.ijt~. '~l:\ '.:
The Landl~rd's Waiver must per.mit'us'to enter o~ the prem.ises and to repossess the Vehicle if we 15. SOME THINGS YOU SHOULD KNOW If WE, REPOSSESS THE "VEHICLE:' If -'we r~po~sess
have the, nghtto do s~ under th!s Co~~ract, eYen If you are In de~ault of you.r lease. You agree that without using a government official (by replevin):'
you must perform your promls~s und~r the Contract even If the Vehicle lost, _~.amaged or a. NOTICE: Wlt'will send ,you a ~ot,i~e of R.e~ossession--.to your, last address"we know about.
destroyed. :" ;.... .}, 'h Ihis No~ce ~m ~err you how to buy back (redeem) the Vehicle. This Notice will, tell you other
1G: YOUR PROMISES ABOUlINSURANtE: You will keep thev~hicle insured against fire, thelt 'lnformallOn reqUired by law, " ' ..' ,
and other hazards including flood, as. required. by law, if the'Vehicle is located in a special'flGOd '" ,b. CURE:,y'ou have the.righ! to. cure your Default at any time before we sell the Vehicle. If
hazard area, against which owner's customarily insure such Vehicles until all sums due us are you cure your Default, the ContraCf will remain in effect as though tne Default had not occurred.
paid in full. The insurance coverage must-.b~satisfactory to us and protect your interests and our c. REDEMPTION: You have the right to buy back (redeem) the Vehicle with 15 days of
interests-at the time- of any insured loss;, Tlie;insurance must name us as "loss-payee" on the mailing the Notice of Re~ossession_~n~..~J any later t!lT1~ !!.efore we selLthe, vehicle.
policy. The insurance must be written by _an insurance company qualified to,do business in d. SALE: If you do,n9t cure yout;,Default or redeem nou give ,up all--c1aim to and,we will sell
Pennsylvania and licensed to sell insuran'Ce)~ the state where ttie Vehicle is permanenl1y k-ept. . the Vehicle.-TtrelOoney received at sale will be used to pay costs and expenses, and then to pay
The insurance policy must provide us witH at:least 10 days prior written notice of any cancellation the amount you owe on this Contract
or reduction in coverage. On request, you: shall deliver t~e poli9 or Qther evid~nce of i.~s~r~nce e. SURPLUS DR DEFICIENCY: If there is money left, we will pay it to the Buyer. If there is not
coverage to us. In the event of anfloss or":damage to the Vehicle, you will,immediataly'notify,lJs,jn. enou,gh money. from the sale to pay what you owe, Buyer and Co.Signer agree to pay what is still
writirrg and file a proof of loss'with the insurer_ We may file a proof of loss on your behalf if you owed to us. '
fail or refuse to do so. We may endor~~ YO,ur.name, to any chec,k, dra,ft oUJther.,instr.ument we. liX,~ENSE$~ We have,lhe right to {:harge you, and you, ~gree t,o.p.ay ~he costs of
receive in payment of an ios.ured,los~.Qt" r~turn,jnsu[3rrce prefOipm$',;,\W:e"may;,appl!i:!..any "u:pQssessing, ;ito.~ing; repaiJing.~preparing lor, sale,and,,~e;/ling the Vehic,!e as may be\allow~y,by
insurance proceeds we receive to repair or replace the Vehicle if, in our opinion, it is law. These costs will only he due if: ,'J: ':'
ecollo.mi~.ally feasible and y.pu aJEi not then in default under tIlis Co'nlracL OJheiWise, we will .1. [}~fault exceeds fifteen (15) days at the time of repossession;
apply the insurance proceeds to r.educe the unpaid balance due.us. '.,. ''': ,,_~::_ ,. "___ 2:.. The-.:ailmuntaf costs are: actual. necessary and reasonable; and'
~ 1. OUR PROMISES ABOUT INSURANCE: This paragra'Ph applies only if we have contracted to 3. We can prove the costs were paid. .
purchase' physic,al dam~g~"comprehensive, fife and/or theft insurance at y-our expense and the 16. HEIRS AND. PERSONAL. REPRESENTATIVES BOUN~: After your death, thiS Contract shall bf
premium has been included 1n the Amount Financed. It. does, ngt apply,to Cregit Insurance. If"you. enlorc.eable.,agamst your heirs and personal representatives of your estate.
prepay the sums due on this Contract, unless you specifically request cancellation, the insurance 17. GOVERNING LAW: This Contract is to be interpreted according to the law of Pennsylvania.
~if1 rem-aiO '(~, e~~~ct to its sche.duled ,e~pifati~n date. If the ins.ura.nce we obtain~d for you is 18. SEVERABILITY OF PROVISIONS: If for any reason any part of this Contract shall becoffit
cancelred by the l,nsurance c~mpany pn?r to'lts schedule~,:'~p'ration"d:ate,'we'.~rl\"~tt~~pt t~ illegal, void 'or unenforceable"that part shall not be a part of this Contract.
place comparable"lOsurance With another IOsuranc~ com.pany an your be,~alf'and glVe',you a copy .' .
of any insurance policy we obtain on your behalf. 'If we are unable to'tto so, 'we will notify you that~' 19. ASSIGNMENT BY BUYER. Buyer shall not assign thiS Contract. !
you must obtain replacement insurance from an agent or broker of your choice. If replacement 20. THERE ARE NO WARRANTIES BY SElLER, EXPRESSED OR ,IMPLIED, INCLUDING TH:
coverage results in additional costs- to> you, for the unexpired period of the original insurance WARRANTIES OF MERCHANTABILITY tlND FITNESS FOR A ,PARTICULAR PURPOSE, UNLES.
pOlicy, we wid reimburse you forJhe costs. ' WE HAVE GIVEN YOU A'SEPARATE'WRITIEN WARRANTY.
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DEPARTMENT OF TRANSPClRTA TION
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AUTHORl:ZEO REPR&1ENTATIVE
MAIUNG ADDRESS
BY
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NATIONAL CITY BANK OF
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POBOX 5570
CLEVELAND OH ~~101
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I certify liS of lt1e CllUil!'o(lssllll, the onlclal-records ol'tha' pennsylvania Department
01 Transportation reflecl that the person(s) or company named tlerein is the lawful owner
of lhe said vehicle. --
BRADLEY L MALLORY
~
Wherf~plying'lortitl/l willi a-,~ othei::!Mii'j<lijr'lliJclljse;',c~ec~'One at
lhes& bl6C:ks.1I no b!ock,ls:llheclced.,~wiln16i5S\1ed-;J5 "Tenants, In Cornman";
A 0 JQintTenants with Rlghl at slliVivol'Shlp (on <:kIalhol o,nl!: owner. .!lt~ gees
IOtheSUrilYinq'OWI'Ier}. ,';' ;
B 0 ronanlS in Common (on dealh 0' Ol:l{j owner. imerest of deceaSed' owner
goes 10 Illsorherheirs or eslale}.
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The unda{'Sfgned heretly,makfls apptlcal,an 10' Cal1iticale 0' Tttle to the vehicle described
above,sullj$Cllotl1eencumbrarn;:esandolhll,\egalClatmssel1ortr.hern.
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SECOND LIENHOLDER:
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SIGNATURE OF APPLICANT OR AUTKORIZED SIGNER
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.: _ ..' '. .By :la;w, :thjs)a~v. ~rmoi~'r~qiJ\red .t.o:advise.yciQth~t.ui1l~ss. \~ithin '3D.days' ~fterrec~ipt 6f
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'.' :thi,s not,ice you' dispu'te 'the ,validity'of 't.his gebt qr' any \:{ortion'thereof the debfwiilbe'.as'sliri1ed
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, ;..::to qevalid bY'us.!f"said riotificatib.n ,is :sEmt to ,-!S )n~vriti~g, 'fie -are required tci"provid'e .you viith' .'
. .:::., :. .... . '.:--.' , "', :.: ,.,..., .,' "': : ;....:; . ;....; '. .' . ..'. ::-.: ': ...... .... . ',...... .,"; ':" .'. '. .....
. ..': V:erifi~ation 9(t~e Cje~t:'. in the e~~~(w).thin '.8.. 3D'~day. p~riod' y~u"r~ciue~t.in writi.ng:,the..~'~ri1E?' of. .,...
." .. .:::<'; ::..,;:...;.: : . :.:'., . ,;',',":,.:. .<:::;. ....<:.... . '..:'" ',::"::' .:.;....: ::.:".: .: .... :., ;' ;\-.',:... ::','--:,.: ,<:': ,
. '. .the 'orig)ri.al:'cr~d!tor,:it will_be .pr9videct tb'you\j(differ~nHrom the current' cj-Eidikii-: .In'.tlie;-:event:..'
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.'. .... .ttia\ you disput.e .th.e debt: aildl.or recjUEist':tJ:ie' name ofth'e' 'cirigin~l cr?dhodn-\vi-iting within' the :'......
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:,,: . '.30:day:peri.od;" no' i~'rt~er"'a'ctiori. ~ih'~e:~a~E!n~o ob~~iii':.~')ugg'~~ntitah~ pe~diqg )aw~~it uf}tii . : ....
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. . .: the; verification and/or name of the"original'creditor'has been.providecito you:''.':. .: :',': ,,",::, ~ '.' .' :.... "
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. .: .' ,'. ThiS laW firrr{i~ atte'IT)pting to collecphis debt for'. our c.1i~9t and"any inrorri\atioIi' ~~tainec!. . :
.' ....." ," .' .".: ".;' ". : ':'. .'. ..:", . . ,', ", .. ',: . ..' .. ~ ..~.::" \ <. .,: ". ...:. .
,;. ;:w.jl\be.jsed-fo~thatPurp?~~:'....,;.' ':. . .... '., - . "o;;"~'.:.'; .' ", ...... ..
. '. .' .:' : . ~.. .',. '. "\' '. .' . . . . . . '.f : ". ::.',.' :". .', .:' ';. .~.: .
, . . The above Ndtice is being given' pursuant to the F:air'DebtCo\iection"Practi'cE~s.'ACt'and is' . .'
. ... . .'",'. '. ~:., ..' .. '. '. ':.. .... . '.: ' .' '.. .'. . ',';. :. . ..' . .,.'..; "':,:.:.~ . . . ." .: ".-
. 'separate' and distinc~ frorri 'the. foregoing' Complafri\"which :Il1.ust be 'responded to in qohfo'rml\y
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.. . 'with'the instructions therein. Because of the differeDce. in time parameters, we will not mOye for:
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'..Qefa~ft Judginent f~r at lea'st thlrt.y,(3D) 'daysfrom t~e' d~tE!of serviC~ 'of thfs c()m.plaint:upon ,
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;ou, a~d iJ you,~eque~t verific'~tion; ~e will notrn9ve for .Default.J!.I~gmen(tintil"a ..reasonable
'. : i;me 'a~er)l~rifi~ati~~:'ha~.'~e~~'p'ro~id~d, a'n'~' ~ft~~.th~'~~~i'r~tl~~ .~f'.\~~\~'i~ (3~;'~~Y p'eri~d
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VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 PA.C.S. S4904
relating unsworn falsifications to authorities, that he/she is ~~ .1) _ ('AtA..A'1".e:vt...(,.4..r-
(Name) .
~ o-N'><-L, C L '-rv;;. ~n plaintiff herein,
(Company)
('~.:'11i;Jr.J "> ......,.,e"fl}L>~ of
(Title)
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 his/her knowledge, information and
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
NATIONAL CITY BANK
Plaintiff
No.
b\'~~\\
vs.
PRAECIPE TO SETTLE, DISCONTINUE
AND END WITHOUT PREJUDICE TO REFILE
RICHARD F. WILSON
Defendant
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY: '
William T. Molczan, Esquire
PA I.D. #47437
WELTMAN, WEINBERG & REIS CO., L.P.A.
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#02332750
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IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
NATIONAL CITY BANK
Plaintiff
vs.
Civil Action No. b \ ~ ~ G\
RICHARD F. WILSON
Defendant
PRAECIPE TO SETTLE. DISCONTINUE
AND END WITHOUT PREJUDICE TO REFILE
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
SIR:
Settle, Discontinue and End the above-captioned matter upon the records of the Court without
prejudice to refile and mark the costs paid.
WELTMAN, WEINBERG & REIS CO., L.P.A.
Notarial Seal
Wendy L. Willis, Notary Public
Pittsburgh, Il,lIeQheny County
My Commisslon Expires July 15, 2002
Member, Pennsylvanle Associallon of NotarieS
By:
Attorney for Plainti
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#02332750
SWORN TO AND SUBSCRIBED
before me this 3.l- day
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