HomeMy WebLinkAbout01-07021
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
WAYPOINT BANK FKA HARRIS SAVINGS BANK
Plaintiff
No. 01- 70;)../
Ci(')ll'-r~
vs.
COMPLAINT IN REPLEVIN
DELIA MAY KEY
Defendant
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
William 1. Molczan, Esquire
PA 1.0. #47437
WELTMAN, WEINBERG & REIS CO., L.P.A.
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#02357463
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IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
WAYPOINT BANK FKA HARRIS SAVINGS BANK
Plaintiff
vs.
Civil Action No.
DELIA MAY KEY
Defendant
COMPLAINT IN REPLEVIN AND NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the claims set forth in the following
pages, you must take action within twenty (20) days after this complaint and notice are served, by
entering a written appearance personally or by an attorney and filing in writing with the court your
defenses or objections to the claims set forth against you. You are warned that if you fail to do so the
case may proceed without you and a judgment may be entered against you by the court without further
notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff.
You may lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. OF YOU DO NOT HAVE A
LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW
TO FIND OUT WHERE YOU CAN GET LEGAL HELP
LAWYER REFERRAL SERVICE
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
(717) 249-3166
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COUNT I - REPLEVIN
1. Plaintiff is a corporation having offices at P.O. Box 1711, Harrisburg, PA 17105,
2. Defendant is an adult individual residing at 370 Maple Lane, Carlisle, Cumberland County,
Pennsylvania 17013.
3. Piaintiff is the holder of a Retail Installment Contract (hereinafter the "Contract") and
Security Agreement secured by a mobile home duly executed and delivered by Defendant in favor of
Leibys Mobile Home Sales on or about November 1, 1995. A true and correct copy of the Contract and
Security Agreement is attached hereto, marked as Exhibit "1" and made a part hereof,
4. Pursuant to said Contract and Security Agreement, Defendant took possession of the
mobile home more particularly identified in the Contract as a 1996 Skyline Mobile Home, Serial Number
2<3110715IAB.
5. Leibys Mobile Home Sales subsequently assigned its right, title and interest in said
Installment Sale Contract and Security Agreement to Plaintiff.
6. Under the terms of the Contract, Defendant was to make 240 (two hundred forty)
consecutive monthly payments of $419.32 beginning December 1, 1995.
7. The total amount due to Plaintiff pursuant to the Contract was $44,985.00.
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8. Plaintiff maintains a first lien on the aforesaid mobile home by virtue of the Certificate of
Title issued by the Commonwealth of Pennsylvania Department of Transportation, a true and correct
copy of the Certificate of Title is attached hereto, marked as Exhibit "2" and made a part hereof.
9. Defendant is in default of the terms and conditions of the Contract because Defendant has
failed to make the required monthly payments since August 8, 2000.
10. Plaintiff is entitled to immediate possession of said mobile home which Plaintiff holds a
security interest in and any proceeds of the mobile home, including insurance proceeds by virtue of
Defendant's default.
11, Defendant has made partial payment under the Contract leaving an unpaid balance in the
amount of $44,829.40 as of October 4, 2001.
12. Plaintiff avers that the Contract provides for finance charges at the rate of $10.50 per diem
13, 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.
14. 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 $34,876.59.
WHEREFORE, Plaintiff prays for Judgment against Defendant, individually, in Count I of
this Complaint In Replevin, as follows:
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A. For possession of the mobile home, more particularly identified as a 1996 Skyline
Mobile Home, Serial Number 2G1107151AB;
WELTMAN, WEINBERG AND REIS, CO. L.P.A.
William T. Molc an, Esq
PA 1.0. #47437
WELTMAN, WEINBE G & REIS CO., L.P.A.
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#:02357463
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE
USED FOR THAT PURPOSE.
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JAN-OO-2001 NON 03:0Z PM
FAX NO.
P. 04
"~~~T~~'~;;~ rAlI.M;;~;N-;~-AC~. ~2~!.w_.1PnYJLMlli!llllaMF S^~--'--"--"=-:[~~l:'~~_~l:~' I1FI 111. MAV _w.__.~....,~~=.~]
ANb S 'CURlTY AGREEMENT 370 IMtJ...ANI.... .._--
f. AtlweSS7tH6C4ltUltl'flCt ___w__ ~._l;,!UtL!Sl~d~~_~t'
~~;~l_~~~ il~i:;=-~.S- -;;WO~A;:~t!.~:;~ m~:~3lhc Seller obov~:--- -'-;~~~,";;;;;;c1~ B!-I~~';';I~~~~'-
lts 51lCCCStlors nnd oasigns. ..~..... and guarantor, Jointly ond mdlvlduuUy. ...._.
SA'l~;' 'Y'~;I';;ur~.:;i;;;;-cllil50 from U:l, sllbl(!c;-~;'t~tomlS lInd condit1ons of this Controct llnd Sec.Mily ^9rcemenl, the Vehich:: in ilS
rre~en{ condition d<lscrfbod tHollow. _
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SECURITY: y,)ll Ul\l9 UD 0 a6curlty Imorost In the Vehicle described ebovo. Tho Vchlcl~ sh!all be compl~tc !"hh 011 hccossio0'3,
attact.men111. DccOllSorlus, oQllipmant. and proceed!! 01 tho V(:hicle, The delivery and tlCCeplDnco of thQ VehIcle IS Icknowledoed by
YOll. Our ::cwrlly In1c(Ost will not extend (0 consumor goo(is tlmt l'Ira not Inslallcd In or attb:ad to the VehMf: more IIlol1n 10 d"vs ltllet
wn Ul\t:r il1:,tl Ihls Contr~ct whh you.
PROMISE TO PAY AND PAYMENT TERMS: YOIl promise to pay us.the principal olImoLlnt 01 $...H~.O:g~QQ......_, plus lin..ncc
chnrgcs ar.:l:rlling Illllu'l tate of ... ~ .!.~!L % per yc~r unlil mnturity: YOll Boree to pay thl~ Contract ~(;cnf(lhl9 (0 Ihe
I,ayment sl:hodulo om! 1010 chl:.fUI! provisions shown '0 (ho TRUTH IN lENOINa O,SCLOSU(lES, 11l1cJ (Ioy any addItIonal .1mounts
<It:corriln{l 'n lhll t~lflns nnd conditions of this CCllltrMl. Aller Inil.turity, or after we have demllnded payment of earned bllt unpflitt
llfnl')unls, \<fa wUl, If\SIl);1r1, (!;"J(flln(llre5( at 9 .M-_ percent per ye;1(.
DOWN PJWMENT: YtlU IIlso /luree to pay on or bO[(JrQ 100.lClY'!; data the dowlll>oymcnt 01 Dny cash, robate nm.l n,:,t trauedll villi,,::
dllscdhcil (III PUU!;! I..
o MINIMUM FINANCE CHARGE: We may ret"in II. minimum finance chllfge 01 ~ Jr YOllllay off \h15 COnnact
bc:fufO wo IvlVl': ('t)lIled lh"t much intefllsl.
TRUTH IN ll'NpING ptSCLOSURI'S
ANNUAL fINANCE CIIARGE AMOUNT TOTAL OF PAYMENTS TOTAl. SAl.E PRICE
PERClNlAGE RHE The t1a!l,H ..mouM lha F NANCED Tl'Q amount you wlll have 'rho 10lnl cost nl YCI\I(
Th.) ..;0!>1 u' yuw Ctcdit crcrJil will cOlli YOII. The .1I'....ount of crcrJit pilid when you have mad!) purch:l!l.O on crotlit.
bS 8 yearly r310. provit.lod 10 ~ou or all !>chcdlllcripoYl1lenls, illr:ludinO your dowl'\
on your be alt. I)Jymem 01 $....J!.2.00.00
9.50 % $ 556!S1..00 I 4.4.$185,00 .$ "'l.00636.00 ,~ !g.~~~6 .80
?~Yml}'!II,..~c;he(!.l.'!~:..:~()~.p'1Vml}!!Uf!.!edu!~~llJ ~.._ '--.-.-~ _..... ~_. .. .--....
}h!'~~~! 01 P"y,no"h Amon'" al..p~v.n_~'!,~!..~ ..,_...__~h"" P'yn",," M. Du. ,''';czs:.-
____ 1.40 . J ..1!~:.n.. .!lJ.!.a~~I.!J!12!l1l1h!!1i.1\11IM 0--8("1 .1. _.,_
_.__....._........ ..._...~ $ .iln~~~ch htIiJlJ'fl... thllrouhlll~m!!!.P.!M,__.h___ .
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..SacliiTt\;:~~!Ji"infj;~c-;-I~~Y.i;:;i(;;.e5Ti~the VehIcle being plJrt';ha;;e~i:~-... . IXllutll. Ch/noe: VIJlt will be charged 2% por month on the amount 0' the p<ryn1cl11In ilrretlrS llv more limn 1u days.
ASSuHlIl(ioll; $omC(lllC i.l\lyiIlO your home cannot aSSllme theObli&jtlonon the orlglnal1orfOs,
Propayment: U you pJV off thl!l CCll~lnlcl early, you lJ may will not hfl"ij to pay a penalty. Filing FOOl $ .AO....~Q_
Controd Provis ons: Vou CM "o"!~ y.mr Contr"cl documonts lor Ilny Q(ItJlliomrJ in'ormallon about nonpnYIY'ICrll, dehllllt, tiny required
rCVIlYrlIt:nt horon, Ihlt !;t;;hed\Jled (late, ol"ld prep"vrn~r" mr\lnds and penalties.
If Yllll till !lot nil:!:'! your Contrtlr.t obligalions, you may lose your !louse, tho properly that YOll bought with thIs 1000, or h')\lSohold !loads
and II/tlli/are, YOII( /1I(llo( vehicle, CJr mOrley in your IIccount willI tis.
CREDIT INSURANC~: Clcdillife Ins\Jrc1nce end crQcJi\ dlsohility
instU<lnt;(!. alO tIt)l reqlrirod to ollt:jln (.r,-","I1. Credit life IflStrrilnce
{lllcl credit dis.~bil1tv in&\lrtll'r.~ will not 110 pruvid~d unloss you sIgn
U111.1llflrcu \0 p.~y Illr! utJdillon.:'ll cost.
CREDIT liFE:
____ForFlrSlliuyor
_ For Second Buyer
, on . .. For 60th Buyc:rs
P'(!lIIilull; ~
CIlEOIT
OISMILlTY:
__,_ For First BUYl!(
_.__.___. .., For Second Buyer
for Both SllYcrs
Premium: ~
for first OUYC(
...~ . _'.' For Second Buyer
_____ For Both B\ly~r$
........."...._...~~.~~~lIm: $ .__--...._
In5ur,;anl:c COlnlHlnY HUlllo mId Horrlll Office Add~'~;:'.''''-~~
iW:~'\'1' iFl;c7"dTt~ hlJ:;unmce SpeclllDd Abovo:
JT~~i.i}~-IY~=.~~- Second Buycr
o 1!l41. 10" Il...,~... eV"l,.n., .,e. ,.. Cl",,~. P-lH 11 ARol.39', n~ll fO"llAS$111MA1.PA BI1/tl4
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PROPeRlY INSURANCE; YOII me le(luired bv Wi 10 insure the
Vehicle SQCllrillU 1hi:J Contract. You shell havo \ho oPlion or
furniShing lhe retJlIlred Insurance chho, through o.Klstill!J policies of
Insuranco ownod or cOlltrolled by you ar procuring Gnd lurnlshll1(J
tho equlv:l1r.nl1m~llrtlIlCU toveTa!J8 Ilnough any hlSurallCQ cnmpnny
authorIzed to transact l:Iusfllcss; in Punnsy'vilnh1. fn,urallce
covering IIsks of: 1 J loss or U:.hility filiated to 1ho Vehlclo, 21 thl!
USQ 01 tho Vehicle. 31 {Ioods or selvlces rCll3~cd 10 tho Vehh.;/9, 41
IlHlchmlicl$1 hreAkdown" or i.t servicc comrfJct Dr WElttsmy is
optiolllllll....d not included unless checkCl1 and indiGllled below.
LIABILITY INSURANCE: liability Insuronce CQvoto!;lc fQr bodily
injury and properlY t1alllilgB cOlused 10 others Is nOI Included In
tills Confrac( lInle$s checked and indicated below.
If you get !lIe )nsu1Mce fr(lm OJ Through lJs, YOll wi>> 'lilY
$ 430.0L- fqr J2..l!'on!:h~__ot coverago.
The Vehiele insurance prcmium 13 calculated ns fnllows;
o Flre.lhcft and Combined Adl1'I. Coveroge $
o $ Dcc!ucliblll COfl\ptellenslvo Cov. ~
o ~ D~d(/i:libl~ Ca!lif>/on CIlVel<foe $.. .u....._
o .........__
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[) A ctll1rge for on ElC11!1ndl!ld Sl!lrvlce CommCI 18 ollcJCll 10 till:!
Contract, l"he Extondod servlco CQftlrocl Sulll or provided by Ul
I;:
Coverage.: __~-.~.. _......_.__ for l"erm;
MOO~RN CIl~OIT PROTECTION POLICY,
PremIum $ for 01 covorogo,
~ )(_~OTOA VEtIlClE f/J,'gIF I ofJJ
ORIGINAL
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REMEDIES: 11 you arc ill dcfauH 01\ Ihis Contract, wo h~VG ;111 01
lhe femedfO$ provided by law tlrld fhi, Conlrllct.
A. We may roqulro you to immediately PDY _l'~ ihe remalllino
unpaid llular,c6 of the IImoum fh)llI)Ced. flnllnCe chiJrQc~.
less :lny r(!(\md fElqulrod hy 1,)\\1, ond 1111 arhar B{lfood
charQes.
n. We rllllY pay 13)(0=, O$$ossmanls, or olher liens or mnka
repairs to the Vehicle If you havo nOl don~ 10. We ara not
fl'Hl~lirlld to do 30. Any Ol1lount we pay will bo QrM"rl tll Illll
amount YOll owe liS. will be Irnmedhnoly due, and will o:un
Into(001 frOm lhe date pnid at the highost lawful eonlf3Cl
tllte permlttod by IllW until pnid in lull.
C. We may lmmodhltol'/ lake P05s&!Islon of tho Vl~h;,;Il,\ hy 11:081
process or sell-help, but ,,, doIng so we may noC brc.3ch tilt:'
pMca or unlawfully entor olllO YO\lr premises, Wo rnllY thel'
sell the Vehicle and :Ipply what we receive as )lrovldtlu hy
Illw to our relnoOllbh:: !;!x~'llnsQs and then tow:ud youI
~ecllled obligatio,,:;.
D, We may be enlltkd 16 ,) deficiency judgment lIgGinst you II
Iho proceeds 01 lhe sllle do not poy nil 01 the eXpenSI!3 and
WllOI you owe liS (excopt when /)rohibiled by l,1wl,
& M ._....!L...~~_ Ily choo!llng any 01'10 ot mow !.If theSe romedlo" wo do I\Ol
$ 10,00 0 oowfllve Ollr rlob-' to 101(!r IISO Moth~r remedy. By t!..:I:lrlirl[J not 10
$ --1.!L..Q.Q. 15 OOuse :lny rerocdy, we do not gIve lip oor fl9h1 10 (;onsld~r the event
~w__.:=..t "de/Dull if iI hflppemr: l1031n.
$ -___,___.__ YOll tlgree thot if ony notice is roql.llred to bl! ,gIV.:lI) to ytlll 01
II the intended ule or dl3po31tion 01 the Vehicle, tlll~'I\f)lice will be
, $ -tB", 00 , consldtmul tea:wnllble if sent by lll11illo YOllr J/)~I known 8ddr~ss,
,U raflccl!;!d in ow records, at l\lil5C 10 c1lJ)ls before the d;,tc of lIlT:
,_.....!l..!!!!-. in\~mJad tll9poshlon lor such olhur period of tlmtlllS 10 .oquin::d hy
lawl,
JAN,0~-2001 lION 03:03 PM
ITEMIZATION OF AMOL
FINANe EO
l..li~_
V~I'~ich~
lindudlnIJ accc:anrios, clllliva,y, services,
lI111lsl'Ih:!l\lllxol$__..9 00 ___I
(xIC,I.lcd $,~{vice Contri'lct
0.00
C3t,h OI)W" PaYfIlmll
MlIl\uhu:hll'e"s ftob..'lte
PC$c:r;pl;t111 01 Trude ill
C/loShPrlcc
$ nODo.DD
$ ---9~___
I~ suoo,oc
l'rado,ln
less; AllIoLmt OwIng
11\t'lld 11'1 Sellerl
Nllt Trade.ln
$--2....2.!!..-
t: _..___Q.~..!!.2..-
~_.~...q!L-
I~
Down Pl1yntOI\{
U'\jll'lhl Bblllflce of Cash P,ico
ICm;h P,ice less Dow)' Polymenl)
Paid to ruhlic 0111\:1<\1-.;- 3;.10$ Titx / 'fite tax
P.;lid to rmpmly h,sunmce Comp3ny I MCpr
Pi\i\llo Cn:tlit Lile Imurcncll Company
Pnld 10 CrL,dit D!:HllIilily In:swlInee Compony
flllno fea / UCC
To; .!!f!I~tY fo.~/~l!.l.Il2!!l!.fu!ll9.LL._.__.~.. __'_
To:________~__ h ___.__
OllllHCharg9s
li(u.luJl/lg Amqwlt" Pllid to Olltar" an Yaur Bellaln
llc:l!il PrclHlid Finance Chargos $
Amount Financed I
(Unpaid BJ1Jllea 01 Cash F'rl<::tt pillS Other Ch:lfga~J $ H91lS.00
YO\Il"l9I'M to lh& lenlU on p3ge$ 1. 2, l\r,t1 3 of this Contract,
SOOO,OO
It.m~~
$-,...q,~-
$J10.OO 000
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,.0DITIONAll'ERMS OF THE CONTRACT
ANO SECURITY AGREEMENT
G[NHt/ll TERMS: As llsl:Hlln Ihls docum\~nt, Cuntf;!C' Includes
Ihe tcnl1~ ul 111.' Contract and SecurilY AgfUamenl, You have
lJL~~1l \.liven an o(l(Iort1milY 10 rJllrcha!.e lh~ Vehiclo ~nrl/or services
Il1lSCrilJcd on pa{lu 1 1M thu cu~h price or the IIJlol sulu price, The
101011 s'lk I\Ii(;o ;:; the luthl p,ice 01 Ihe Vehicle and/or servlcos if
YOll Lolly ilnvor time, Tho totof solo price :ihown in Ihe Tf\UTlIIN
lENDING DISCLOSURES Is 1I11~Hlll 01\ the assumplinn 1hal I:lll
PI:lYIllP.llls will be mO'ld.l ,J$; scheduled. You ogre\l to buy thi1l
property :Ind/or S(\!vi(;(~s {rom us a( thQ ol:wiLf total nle prleo
Decording 10 llllllerlll!l of thIs COlln,)!;l,
Vall i1on,o lhj~ Contract wHl be governt1d IN the law of the
Stilte nl r(:I\n:lylvlllliil. You llgrce lhol we have not made any or"I
wUlri.\"tic~ or prombc:!I .(igoldinij the properlY. ThIs COIHrtlct
Illkus t}l'Iect when l>lnllc(1 hy you. II nny part 01 this Cnnlract
CilnnOI he cnfOlc.crf, lhls fllcl win not affec.t tho rcaI\Qirl"'O tl:rffiS.
WARRJ\NTY: VtJhfcla warranty InlonlloUon is suppllert 10 YOll
scp'lrilhlly.
PREPAYMENT: You mily prepay thili Conlract In rart Ot In full at
tiny 11ml). Any l)II,tlillllJayment w1l1llQt 9X(.lISG allY lator schedulerl
!laymon1s IIl\lil yuu PllY in full.
OWN~11SIlIP ANO DUTIES TOWARO PROPERTY: Oy olvlng
II-i n sr~curilv il\tut051 In the VchiGh~. you tep(e:;cot IJnd ngl'eo to
Iha IOl)owlnl1.
^. You will defend thl:J properly aoail\st any c10im mode uy
illlvon~ elso, You wil1110 wlliltaver 19 nllcossary ((I kl)o~p our
claIm Ir, (hll Vilhitl", .,hIJat! 01 tile clallll o( anyone 615e,
(l, lhc iH:curily Inlcr\IM you ate giving w: In Ihill Vohicle comes
il!lMI\I ul thl! claim of ilny othor 01 yow general or secul'lild
!:Ietlih",. You have siglwtl or irnmediarely will sign <'IllY
odc:li!il)nol d(II~U(Htlnl$ or provlcJo liS willi llny \!Idc:{jtlon<tl
1f1lom1illion we may require 10 keep our claim to tho Vehicle
"liMO 01 tho c)"lm f11lmYOfle else. YOlJ will nor dQ anything
to Ch~HlUC Ollr Intoro>,' in Iht! Vllhlele,
C. You will keop Ihu Vt!hidc In yom possl~ssion In good
c.~ndltlnn ril'd UlJlilir. You will 1J!:t'l 111!:! V.:;:j;jt;le only fOl ItlC
r~WhllllllrpO~e9 rot which It was intan(led, unlesll othorwise
o';)rC(:'.t in wrhing, U1C VClhiclo willlJe located ,]( YOIII" Old(lress
IL;tcd MJlilfltl 1.
D. You wlU not oltcnl(lt to sell the Vehicle {lInl\lSs It Is
InvcntolY "1)1I Ilh}lltiliod liS !luchl or otherwise trllmler ~ny
rlOl'\IS In this propefty to Dnyonli' else, without Ollr prior
wllUen con!:ent.
L \'011 will pay all t..'l)C.~:"; arid aSSessments on tho Vclllc1e CIS
Ihey b(;Cmll11 UIIl!.
F, YOIl will I'1nlify liS or Ilny loss or Ilomllgll \CJ lhl! Vehlclo. YOII
v~ll1 nrovide us reasonnlilc access to tlm Vehlclo lor 11Il!
1)\lr"O~e of lnspnclion. 01lr elllry and in3f1cctioll I:llflSI ue
:lr.r.on"l)lisltod in II I~wful m:Jnner and wilh<ll'! br:el:!china {he
peacQ.
G, Y,)U will omlDlso rha carl/I/cato of 1II1t! to thIs Vehlcla ff
llny, to show the $,ocurily in1en:n:t we have In thIs Vehlcla'.
DEFAULT: YOIl willI,,, ,,, default on thIs COlllri1r;t I{ anyone or
moro rill thlll(~lIt)wiIlU occur:! lexcept ns prtlllihitllc\ by hIW),
A, \'ou f,ld 111 flOr:fOlm any Obligation which you have
IJlldorlilllon In lhl.!l ConlTl)c(.
I;lI~a1. 'I~~.I C""lr~' lVll'I."I. '"e.. :;1. (Iund. loiN II ,aM 397 134 II ~WIII\~~IMV~A1.f''' 112/14
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FAX NO. .
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[3, We, in oood , bclloVA Ihat \lip. prospect of p"ym~I't 01
the prospect _. YOllr performance of any oUlll't 01 y(lU(
ob1l0odons ....HI',r this Contract i3 lmpaircd. .
II YOll dC!fllUH YOll ftoreb to pay COllrt coa1:!l WU IIIC~1r to colh:c!
1hls Contrac:t ~!I'Wellllll allorncys' leu$ if we rcfor Ihi-! Co"tri\c(
for collection to on "\tomAY,
If all event of oJo'lfOlult (lCC\lrs a9 to fillY onLl oj VI/Il, WfJ may
ex.erdse our rtln1adies iloaimt any or 311 of Villi,
REINstATEMENT: II the Vchid\lllas baen ropossGS!lcd or to\<.(lIl
Ihrough legaluction. we may r6lnstat~ rhe Contmr.-t Bllt.f ratuUllns
VehielLl to you, The Contrllct will be rcln$lil1od if YOll P3Y all pJSl
dlle-lnslallmcl\ts, accrued dcfilult, pIllS any other amounl!owflllly
due Ilnder the Con(nlG{. 11\ 3u~li(ian, you "gree 10 l'ilY tor ItU! cu~rs
of S\lil II we retake Ihe Vehiclo throlloh I~o;;rlllction. If IIdolllt hilS
c)(isled lor mora th<ll) 15 clays III the time of reposse,sion. tll'l
OXpcnSC$ for retaking, refllllrll'9, and storing the Vehicle a:i
authorlzcdhy law mUSI also be p3icJ IJV VOll,
.
NOTICE OF PROPOSED INSURANCE: YOll Iflk~ MHc\) that
group credit lirll insurance coverage :lllCt{(Ir gr(lu[l crlJcJlt accld~nt
:l"d hoohh i01;Ltrllm:e covcrDge will UIl nplllicaLle to thl~ Conlf.llct iI
$0 morked on pllge 1. Group credit lir~ in,urllnce eOl/crDgo QIllI{nr
groUIJ credit lIccldcm 61ld heal1h in!.urance .coveru{Je will be
WrHlon by the insurance COlYlflOr\y .\arncd. This insurancc, sllhjr!CI
to acceptilnce by t!lQ Insurer, COvers only the perSall si>Jnh'9 the
requesI for sllC':h Ins\lrance lor: eacll pen:on 510nl,\0 Ihe leQuest for
joint credll life Ins\I(<lnco), rhe amounl 01 chorg(l i:s Illdici'lted lor
ci]ch typa of cledit Insurance In be pllrclltlsad, 1 he term 01
insurance will commence lIS 01 tho date tha ll\dehtedl'less Is
hlcum:d and will cxpirc on the otlQln3t1V lOcl'lcdule(1 fllaturity dale
of thl.! Indebledness. Sul.Jje!ct to acccpl~nce by lha Insurnr ;In!!
wi\hin 30 days, there will lie delivered 10 us a clutilicale of
InsufllOcc mote fullv describing tho insurance. In the event 01
prepayment of 1ho llldebtedrless, a refund of insurance chatoes
will be made when dUI!,
INSURANCE: You agree to buy lnstlrtlnce on tho VehIcle ognin:H
the rllOks and fot till} amounts we roqlllro. You will namlll us as
loss pDvee 011 any such pollcV, Wa may rOQuiro addarJ sOI."tlr/ev all
this COl"ltract if YOII agree that InSUt3nCCl pro(;eedS may be used 10
repair Qf replace the Vehicle, You .:!gmo ,hOlt If the In&Ur3nCLl
pmcl'o!ds (/0 not cover rll..: ol1louncs you slill OWl! us, you will f1ily
the dilll!feflc~. Yell will blly Tho In~lI"oncc frOm II litm lllllholiillCI
to do buslMSS It) Pllnnsylvflnia. You will keen the i'ISllfance until
lhls COllCnu;( Is j1'1id in full.
11 you fall 10 obtaIn (lr rnnintf.lhl this insurance, WI) may obtai"
insurance to prolect ollr Int~rest in the Vehicle. If you tnillo name
u,; as los,> payee, we nlay ob[aln {ll';Ufl1m::(l (a protect our lntereS(
in tho Vghicla. We will nolify YOll If WLl dl) ~o. TI1I:1 cost uf !:llCh
insurance will be ildded to Ihl!. illl101lllt you owe us. '(hG con will
41.1 immt:di,]tdv dll::. The cas: will .1ccrue Intct,:s[ in thu Ilifili~SI
lawful contract ratc. un\il poit.l in full.
WAIVER: You !Jive IIp your r'ghU /10 U,1I 6Jflut1t (14rt1liUad by
IlIw} 10 reqlllre 11$ to do certain l!llngs. You will not loqlllrl:! us 10:
'1 I demond 1)\lynlent of amOunts t1lllJ; 121 glvn nollte thnl
u/JIOI/llls due have nor beEfn flaid: (31 gl"8 "Odell lho1t WI! are
nmlting the Conhoct immedilltely due.
OBt/GATIONS INDEPENDENT: Each person who signs Ihis
Contrilr.1 it!JfHes 10 pay thIs Contrllct accordil'l{J 10 lis tcrnlS, This
means the following.
A. You must P3Y this Conlri.lct even If SOMLlono olsa hns sionad
it.
B. Wo may relellse llny co.signer or gll;trilhtl)t and you will still
Le obligated (0 pay thc CoMroc!.
C, We may rolcl\sQ ony $ecurilY ~ntl you will still bo nhligohlll
10 !lay the Contrllct,
0, If W<J 'live lip any of our rlghU, It will 1'10')1 effect your dulV 10
('lay thrs ContraCT,
1::. Ii we extend new crodh or rlJl'\I1W Ihls Contract, It will nl)l
affect your dmy to na~;.l,l$ Contrac!.
(Y k "'~F'''/JJ
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JAN~OiJ~2001 MON 03:04 PM
_....-.......-. "-".-""., ,,-"""~-".'..-., ~..~.,,-....~~'---
FTC Nonc..
MY HOLDER OF THIS CONSUMER CREDIT
CONTRACT IS SUBJECT TO ALL CLAIMS AND
DEFENSE'S WHICH THE DEBTOR COULD ASSERT
AGAINST THE SELLER OF GOODS OR SERVICES
OBTAINED PURSUANT HERETO OR WITH THE
PROCEEDS HEREOF. HECOVERY HEREUNOER BY
THE DEBTOR SHALL NOT EXCEED AMOUNTS
PAID BY THE DEBTOR HEREUNDER.
IF YOU ARE BUYING A USED VEHICLE. THE
INFORM/ITION YOU SEE ON THE WINDOW fORM
FOR THIS VEHICLE IS PART OF THIS CONTRACT.
INFORM/ITION ON THE WINDOW FORM
OVERRIDES ANY CONTRARY PROVISIONS IN THE
CONTRACT OF SALE.
FAX NO.
P. 06
'-,,~~.~_....,,~,..-~..-...,. .-....-.-.
TH. . PARTY AGREEMENT
By signing beloW you bgl'CC te) give u:; n security interc:lt in
th~ Vehle!.:! described on patlb 1. you also tlQrcQ 10 bo !)otmd
by the terms 01 this Contract, including the WAIVER seellon on
paoe 2, E)/,CEP'r that YOll will not be lI~ble rOf Ills f'l\Vh1enls ,I!
reqllires. You agree that we may renew, extend, or change thiS
Contract. You also agreE'! th3t we may release any pallY 01
Vra!llc!a w(tholll rdcaslng you (r'om thIs Contmc[. Wn m.1Y Io1kc
lhase slops wi111011t nnlicu or dlllllllnll upon you.
VOII aclmowledye recsllll of a tDlnllleted CDIIY of this ConlraeJ
8nd Security Agreement.
x
~.._D8le _.__..._~._.~~
Memc
NOTICE TO BUYEn: DO NOT SIGN THIS CONTRACT IN BLANI<. YOU ARE ENTITLED TO AN
EXACT COpy OF THE CONTRACT YOU SIGN. KEEP IT TO PROTECT YOUR LEGAL RIGHTS.
BUYER ACKNOWLEDGES RECEIPT OF A COpy OF THIS RETAIL INSTALLMENT CONTRACT
O"y,,: /)
~...A~~..~:!0. '...l{-:'1::-9,c--
Sl(jll1:lturO: ,(_.~ b'lfte
Buy!:!
SiOI"I,,~~k ~l. ~/
II-J~_
Data
Slgll<llwc:
Dil[e
-'--~l)ai8-'--
Si~JI'l,)two:
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ASSIGNIMENT: Thi5 COl)trDct Dnd Securitv Agreement Is
HllSiDIIOd lO.1IMIUUAYIW1~.DAlliL __~.~
fllR/lla DIllI flddrll3$l, Ihe Aufgne",
\lndel' tI"~ll!\ ~!.!!.~~_~!~~ME!'!T_~Y..~~_l_,:!~ belo~
Buyer:
Date
SlgnillUre:
siWla'hNe:-"--'~"'-'--'~"--''''''-' --..._.........-..-.._~-
PUYQr:
Signature:
Dato
SJDnatUfC:
Date
.
SeUer:lEIBY
M .:) 3: ::.:~t.<P' Lse.~~a~:y,
BV:
ASSIGNMENT BY SELLER
Soflar IleUs and aulalls r,.lI.1 neralllrl$tallmcrH Conlraef ~nd Security Agreement on J/ - /:::_ ..,~:rr:- to
ll6.lU!1i,jA'{!N!iWfUS,.1!.!\\ t'lflE !!Tm~E:r, U~'3m!H!...t!8.qJ..UlloIi17'1 the Assignee, its SIICCeS$Or.
<lilt! i1SSiUllS, all 115 rlohlll, 1IIIe and Interest In this Contract and SllcurilY Agroement. (lnrJ any gllartm\ee executed in connection with
1hl.. COt\tl'i)ct ,lntl St!ewHy ASJuHlment.
llllS JisSIGfIIMENT IS MADE: [J UNDER )'HE 'J'ERM5 Of A SEPARATE AGREEMENT.
00 PURSUANT TO TUE FOt-toWING 'n:hMS,
Seller [live:: Assi{lnee lull power. olther in its own name or In Sellcr'll n:lmo., to. t.ake allleUal or o\her acUo.ns which Seller eel lid have
Hike.. under this C'onlract, Seller warrants::
^. 1 hill Contracl rerrOtlOnl3 n 511lc by Seller to Buver on Q time price lmsili (11\\1 not on II ciuk basis;
O. Tht: statemenls contained in Ihi5 Cl)nlltlct are \rue and correct;
C. TI,~ flown flaYlll(:fll wo~ mode Ly the Suyer in the manner staled Oil page 1 and no pan ef 1110 down payment wan loaned or
1l.11d tn the nllver !JV Selftlr or Seller':! reprc:;r.11111tivp.s;
fJ. Tllis snlu Will1 cOlnpleted In llecoroJilflce willi (III applicable federill Dnd stolo laws flnd relltlliltions;
Eo 1 his Contractls ..."Ikl Clt1d ll"rorc~J<lblll in accordance with its lClnns:
r, TI'JQ IW!mJS nml sJan,'lltlf8S on lhis Co,l/(acl Me riot !maed, fictitious Ot auumed. ami fife lrue and correct;
G. r1"J5 ConUoc( i5 not s:uhJ%t to any claims or dolonllOS on the paft of lhe 8UYCf;
H. ^ cell1plotcly tilll}d.Jn I:\)"y of Ihi~ Cnnlrllct was dolivcrfld tn Ihfj Bllyer fit lhr. time of execution; l\Ild
I. TI-,o V~~liIc;I(. hll1; llllll" lip-livered I~ 1he B\Jyer In good condjti\\n Itml has been 8ccepled by Buyer.
11 tlll'/ of ,hese warralllles 19 breached or \llllrw:t, Seller will, upon Asslgnoo's dem(lIul. IntfChllSC thi, Contract Irom As:iigni;!e. The
purch<lsC! Gh:J1l hn In r.i)~h in Ilia alllO\lnl 01 the unpaid brll(llice !inClUding interesll plus 1M cost and cxpel'su!s of AS.5ionee, indudillll
aU01neY~i' fees.
S.:.IICf wifl Illr/t;1l\l\i(y Atsiunea (or any less sustaIned by It Leciluse of iudlcial set-off or os Ihe result of 6 recovery made <l1l.1in:>t
AssiQtlC:f! :Is.;} r(:~lJtl ~I fl cl..im or defense BU'/'2r has Qgllll\E.l SeUllr.
SCUM WIUVIiS nollee of thn 3CeCptOnco of tllis us~ionment, notice of nOll'IHlymenl or non'per'ermanc~ Bnd no11.:.c or any olhl:l
rcmcwe;J nv.,i/...bla /(, Asslamm.
. A!;siU,:I~e may, witham 11otlr.e 10 SOllnr, llnd witheut affecting tho ll~bllilY of Sell!!r under this aulgnme:nt, compound or release [lny
rlSlh($ OU.UI151, llful ~mr,l Ilxl(tIIslon!l of 1InHl for p3ymcllt 10 ho mada, to Buver end any othOr parson oblio~ted undor Ihlll Contral;1.
lINI.;;S:; INDICATED BY CHECKING 'niE BOX BELOW. THIS ASSIGNMENT IS WITHOUT RECOURSE.
r1 WITH RECOUnSE: Sell:r agrec!; lhnt if the U\Iver default$ 00 ..ny ahli9.1lioll of payment or pello.m/'iJ)co IInder IhI, Contt4clnnd
~ecl1d.ly Aoroomcnt, Sellur Will, llJll'rl do:mnnd, repurehaJc this Contrael and Security AgrcomtltH ft,r lhe amounl of tho unpaid bulllnr.e.
lllclurJltIrt flnaneo chnrgct., duu nt lhal time.
Soller: JJmys (O~llIlIlOME SALES fl C _. '
Oy:____..L,.~(l^ (J MLf .~t2...!-d.~ nll"Jt}KTfJ<:~
ft IOU. to'l-1 O~"h" (Iy~mlll.l"".. 31. C1fll~L""'" II.Mo..137-2.1"" rwm nUIIoIVlAl I'1t, I(M/~
ORIGINAL
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..'.~.N U8-2001 1'10N03:01. PM
FAX NO,
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p, 03
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.
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HARRIS SAVEING'BANK
2CS PINE STREET
HARRISBURG PA 17105
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. . : .,'. . By:la;w,-thjs \a~v firm'.i~' required to'advise you th~t ui1l~ss' within '30. day!; after rec~ipt of
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:', . :-.: .to b.e vaM by~us'. \f.'said riotifica'tib.n'.is :seHlt to' ~s :fn'(vrlti~g, y,e -are required t~' :provi.d'e'.you. vijth' . .
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.,' .. :.'ierifiqation ()(t~e c1e~t: .in the e:v~nt.w).th\n"a.30;day. p~riod. you"reque~t.in writif\9..the:.riarnEi' of. "..
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, .. .tl)e .origjri.al:'.cr~d!to(it WillJ'J6 .pr9vid'ed tb.yo\i.j(diff~r~n(fr(HT,I.the curr~nr <:;re~i~ci.r.. :'In...t~e-:evenr:" ': 0.::'
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. . ". .... .that you disput~ .the debt: ahd'lor request '~be' name of th'e' 'cirigin~\ cr~ditodn \vriting within' the" . .
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.,':; :..30_9aY.period;..no.f~.~h~r...a.6tib.ri. ~i\i'be taktin.~o oijt~in:.~\'Juqg'm~nt:in'.th~ 'pe~di(lg:iaw~~,t untii . .... ...
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.. '. . ... th~ "verification andlejr name of the"o'riginal'creditoFhas been.providedtci you:"..:. .: ';. ': ....,.:,,:. . .....'.
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. '. ." This la~v firrr{is att;ll1)pting to collec,t\i1is cebt for', our c.\iE)(lt and"any inrormatioll' ~btainec!.' .-
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.'. .:.' . The ,aQove Notic~ is b~lnif giyen' pursua.nt to the Fair'D~btCo)\ection' pra~trces"A~t'af!dis
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'. '" 'With the ;nst~uctiO~~ therein:' ~~;a~:~~ .~~'th'~:di~erence. if) 'ti~~. para~et~~~,~~.:~i.lI.~o~ ~Q~~ for: .
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,.Qefaui'l Judgment for at least thirty.(30) days' from the' date of service 'of thiS Complaint :upon
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you, and i.f you .request verific'ation; we will not m9ve for Default J~dgmen(li~ti\"a: .reasonable
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: ..' time after yerificatipn has' been' provided, and ~fter .the' e)(pirat\on ,Pf .the,thirtY (30) ~ay period
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VERIFICATION
The undersigned dpes hereby verify subject to the penalties of 18 PA,C,S. S4904
relatin~1 unsworn falsifications to authorities, that he/she is Lisa Marsh
M.Q..l co\\ ~\ cRr'Cgf of Waypoint Bank
(Title (Company)
(Name)
, plaintiff herein,
that hEi/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
,
belief,
~ tu J/J/--/
-(Signature)
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SHERIFF'S RETURN - REGULAR
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CASE NO: 2001-07021 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
..
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WAYPOINT BANK
VS
KEY DELIA MAY
CASON VIORAL
, Sheriff or Deputy Sheriff of
cumberland County,Pennsylvania, who being duly sworn according to law,
Bays, the within COMPLAINT - REPLEVIN
was served upon
KEY DELIA MAY
the
~--
DEFENDANT
, at 2128:00 HOURS, on the 20th day of December, 2001
at 370 MAPLE LANE
,-
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CARLISLE, PA 17013
by handing to
.
..
DELIA MAY KEY
..
a true and attested copy of COMPLAINT - REPLEVIN
together with
NOTICE
and at the same time directing Her attention to the contents thereof,
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
18.00
3,25
,00
10,00
,00
31.25
Co An~~/?
R, Thomas Kline
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12/21/2001
WELTMAN WEINBERG & REIS
Sworn and Subscribed to before
By:
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ro~_ MY of
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rothonotary , ~
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
WAYPOINT BANK F/KfA
HARRIS SAVINGS BANK
Plaintiff
No, 01-7021 Civil Term
vs,
PRAECIPE TO SETTLE, DISCONTINUE
AND END WITHOUT PREJUDICE TO REFILE
DELIA MAY KEY
Defendant
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
William T, Molczan, Esquire
PA J.D. #47437
WELTMAN, WEINBERG & REIS CO" L.P.A.
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#02357463
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IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
WAYPOINT BANK F/KlA
HARRIS SAVINGS BANK
Plaintiff
vs,
Civil Action No, 01-7021 Civil Term
DELIA MAY KEY
Defendant
PRAECIPE TO SETTLE, DISCONTINUE
AND END WITHOUT PREJUDICE TO REFILE
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
SIi~:
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,
~~'
By: ' / /
Attorney for Plaintiff
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#02357463
NllIaIIel Seal
WendJ L WllI!!I. ~PubfIc
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n'J M.... .,~_, 15, 0002 .,
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SWORN TO AND SUBSCRIBED
before me this ~ day
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NOTARY
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