HomeMy WebLinkAbout03-3539
COMMUNITY BANKS,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 03- 35'39
(J
vs.
FRANCES KENNEDY,
Defendant
CIVIL ACTION - LAW
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 is
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 document, 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. IF YOU DO NOT HAVE
ALA WYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH
BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
NOTICIA
Le han demandado a used en la corte. Si used quiere defenderse de estas demandas expuestas
en las paginas siguientes, used tiene viente (20) dias de plazo al partir de la fecha de lademanda y la
notificacion. Used debe presentar una apariencia escrita 0 en persona 0 por abogado y archivar en la
corte en forma escrita sus defensas 0 sus objeciones alas demandas en contra de su persona. Sea
avisado que si used no se defienda, la corte tomara medidas y puede entrar una orden contra used sin
previo aviso 0 notificacion y por cualquier queja 0 alivio que es pedido en la peticion de demanda.
Used puede perder dinero 0 sus propiedades 0 otros derechos importantes para used.
LLEVE EST A DEMANDA A UN ABODAGO INMEDlATAMENTE. SI NO TIENE ABOGADO
o SI NO TIENE EL DINERO SUFICIENTE DE P AGAR TAL SERVICIO, V A Y A EN PERSONA
o LLAME POR TELEFONO A LA OFICINA CUY A DIRECCION SE ENCUENTRA ESCRIT A
ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUIR ASSISTENCIA LEGAL.
Cumberland County Bar Association
2 Liberty Ave.
Carlisle, P A 17013
(717) 249-3166
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
COMMUNITY BANKS,
Plaintiff
NO. 0:3 _ ::3s'Jq
vs.
FRANCES KENNEDY,
Defendant
CIVIL ACTION - LAW
COMPLAINT
AND NOW, comes Plaintiff, Community Banks, by and through its attorneys, Steven C.
Courtney, Esquire and Godfrey & Courtney, P.C., and states the following cause of action and in
support thereof, avers as follows:
1. Plaintiff. Community Banks, is a financial institution authorized to conduct business
in the Commonwealth of Pennsylvania with a principal place of business located at P.O. Box 233,
Hanover, Adams County, Pennsylvania, 17331.
2. Defendant, Frances Kennedy, is an adult individual with a last known address of 157
W. North Street, Carlisle, Cumberland County, Pennsylvania 17013.
3. Defendant Frances Kennedy, and at all relevant times material hereto was, the primary
loan applicant.
4. On or about February 21,2002, Defendant signed a Motor Vehicle Installment Sale
Contract (hereinafter referred to as "Contract"). A true and correct copy of said Contract is attached
hereto, incorporated herein and marked as Exhibit "A".
5. The Contract marked as Exhibit "A" contained the terms and conditions of the
extension of credit agreed to by the Defendant.
6. Defendant has accepted the monies borrowed from Plaintiff pursuantto the terms and
conditions of the Contract marked as Exhibit "A".
7. Defendant has made various payments to the Plaintiff as repayment of the monies
borrowed from Plaintiff.
8. As a result of Defendant' s failure to cure the default in payment, Plaintiff sold for and
on account of Defendants said 1997 Acura Integra on or about June 11,2003.
12. Plaintiff provided a letter to Defendant indicating that there was a resulting deficiency
after the sale of the 1997 Acura Integra in the amount of Eight Thousand Two Hundred Fourteen
and 36/100 Dollars ($8,214.36).
13. Plaintiff has maintained a statement of account keeping an accurate and running
amount of debits and credits made on Defendant's account.
14. Plaintiff has submitted to Defendant a copy of the statement of account accurately
showing all debits and credits for transactions with Defendant.
15. Defendant has not objected to any of the monthly statements of account submitted by
Plaintiff to Defendant.
16. Despite Plaintiffs reasonable and repeated demands for payment, Defendant has
failed, refused and continue to refuse to pay all sums due and owing on Defendant's loan account
balance, all to the damage of Plaintiff.
17. As of July 3,2003, the balance due, owing and unpaid on Defendant's loan account
with Plaintiff is the sum of Eight Thousand Two Hundred Fourteen and 36/100 Dollars ($8,214.36).
18. Pursuant to the terms and conditions of the extension of credit contained in the
Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge at a
rate of 11.20% on the principal loan balance.
19. Pursuant to the terms and conditions of the extension of credit as set forth in Exhibit
"A", Defendant agreed to pay reasonable attorney's fees and all court and collection costs.
20. Plaintiffhas retained the services of the law firm of Godfrey & Courtney, P.C. in the
collection ofthe amounts due and owing by Defendant.
21. As of the filing of this Complaint, Plaintiff has incurred reasonable attorney's fees
from the law office of Godfrey & Courtney, P.C. in the collection of the amounts due from
Defendants incident to the within action, and Plaintiff shall continue to incur such attorney's fees
throughout the conclusion ofthe proceedings.
22. The amount of attorney's fees incurred in this matter is the sum of Two Thousand
Four Hundred Eighty Nine and 201100 Dollars ($2,489.20).
23, Any and all conditions precedent to the bringing of this action have been performed
by Plaintiff.
24. The amount in controversy is within the jurisdictional amount requiring compulsory
arbitration.
WHEREFORE, Plaintiff, Community Banks, respectfully requests this Honorable Court to
enter judgment in favor of Plaintiff and against Defendant, Frances Kennedy, in the amount of Eight
Thousand Two Hundred Fourteen and 36/100 Dollars ($8,214.36), plus interest at an annual rate of
11.20%, reasonable attorney's fees in the amount of Two Thousand Four Hundred Eighty Nine and
20/100 Dollars ($2,489.20), the costs of this action, and such other relief as the Court deems just and
proper.
Respectfully submitted,
GODF
By:
M, ~\o
VERIFICATION
I. JiII R Benn.er, h~ oe:tify lhal the following is co.. e..L
The factS set forth in the foregoing Complaint ~ ba!Ied 1lIpQn information which I hi1"\::
fi:tmished fO COWl$eJ. as well as upon information which bas been galhered by eounsel and/or ~
ec:ting 00 my behalf in this matter. The Iansuage of the Con>rI";,.,,,. is that of eounselllZld not my
own. 1 have read the Complai:nt., and to the extent that it is oo-i upon InfollDlltioo. which I baTt:
given to eoUZI.Sd, it is ~ and eom.ct to the best of my knovoic:dgc. iDfQIrnation, and belief. To the
C'Jcta1t that the wntcat of the Complaint is (hat of counsel, I line relied upon such counsel in
making this Verification. I bereby acknowledge that the fiJds let 1iEth in the afocesaid Complaint
aw II1Ildc subject to the ........I~ of 18 Pa. C.S.A. ~904 td.atiJllg to unsworn falsification to
aurhorities.
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PERCENTAGE RATE
The co$1of your cffilir~5
I yearly !Ite,
CHARG~t
ThedollaTlrnfllJotl/le
credi\w<<!cQslyou,
'helmQuRlotcrellitpi'ovide~ ! The lotll cosl of your pun,Muon
toyouoron,Yourbe~!l~ ' :'riOC'Udini:~~~rlkl;r~.~~;,~,."',
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You, Pl\IIIlfllISchl(lule will be, " .~ ' ' Seclrily; 'You are aiwiRI I security Inleful in Ih.:motol'Uelllell...."..-- -;
I NO.OI1lYlUol$!"",OUnIOI?IYflIIOtl IWbeRPlymlObArtO\ll . ,',"'n~'JlUreIll$ld'-: :"""''''1~'<0W)11.t:ltl...,
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$ NfR ' ,,' 10." ,~" '!,.". '. .,,: '\.,,,' ,", ., l~jr,lY"'~.
~~I:~~;;:~I' p.ymentis lite, 'ill: Wi~~ en.rlltd 21t~ llIe portion ol;he peJ~nl~k:h is~~~t/':hm'onth, or part of . nionth Rre"lel lll.ln 10 dIYll,'~alit'~li~,~~~~
~!~~~::nl.~her Colntl1let document!; 101lny Iddltionallnf~lNtion Ibout,Jre,.!1~)~:: =~ ~r~! ~~i~~,~paymerrt in lull bef~rIl.~~~ SC;,he:d~I~~,rlteel~.:~
InlbisContracY:;:'\. %~':";'d"''''I~'l FIU~lit~y.,::"" IF YOIJ DO ,NOT MEET
we Ire ~RlJTOHAUS HARRISBURG ..." .."');';j.1IIE :,,,,1/, OBlIGATIONS,'YOU MAY
IneSELLER. Nlm~l50 CHAMBERS Hll.l. ~"',l,ddllSS'l ~IS~'<l~;~1111 'ZlpCOdt",~' ~~~bWYi~~HOT~~(IPE
!"he '" Ull": "O\I2lr,~~ ".~ "MONEVONbEPOSITWlT.~,
~:::[JyER(S). FRANCES KENtEDV 157 WEST'NDJHH"ST~ dARl'll;i..f'PA 17813 "', ~~=h1~~~~~~'
Nime(Sl ,f-J~Mdress(III'ii~L; ;;~IU~oo,;;,;;c'_'";<,, ,,,lirCOl!tlsl InlelKllllllSSi8"thlIConnct\:i'clie"'" ,_ "
If Ihere ii more th.n onl Buyer, mh promi~, se~l'lIlely Ind \oiII~e,r,to pay ~lIsu~idu,' \II ~.~~riMllllla~rllmen\s in thll Contracl ~:~~::i~~ o~,~~~~~~~~~,~
~:~:~~N;r'dad in " jJ ;.,gl!'~"' $ '11gefi1~,'" '~i~:~~
thefollol!'in~vthltle: ,. 'r,,:,",:, Cuh Downpaymenl ';!~Ol<1 ~uO'i .8
YUI Ind Make . '" ,',:.\l"Cription ",~""I ~"~;;'''~c': ,I", ,':"" S ;"<;',,';;"""k!oIlP~l\IiR'
If a bali,nelis still OIIinl,on the _\'ehlele YIlU ha~_ \raped in, thl8e11ef lIriII.pey oil this lIl109l!I.on yOUlIllh",Vouwlrrant .nd rtprIlllnt III us th.l Trade-In ,1"""'''.,",,'1 u,,{J~
anytrade-inis!relfroml~,clalm.eneumbfintaOl~url\ymlerest,"Clptlls/lllwninlllalIe~ontfl/wlC8dlllhe'UenPayoff.' VJluepf1rllle.ln"";n',rtI~1lW''''''''
PROPUTY INSURANCE: You may thoose lhe'per;onW,auib "honHIlSUl'llnce Is obtIlnM IpI~ ~J!rdam'lIIlo \he 'ieh~le 11'4 I~alnst '; d' 1~' nQIi.' !l~"l,,'~Cqli'~
liability Irisin8 outol U$I orOlllltrlhlpol tllaVtlIicij, In thll Cantrat!,:yGure ProrolslllttO'..wI1l!it'fp Ind~"p'iIiIllUrtcl. t W"'. II' Liell-Pa)'01I to :'" '. ,.NlP,,~~"~
CREOl11NSURANCE ISHOTREQUIRED:Crathlt1lelnsul1lllCllnd.~itAecident&',KMltb~llllIlIIa"CI.re;noI,'requilldloobllin" '1'1 NIA ',MY _ ....
cre~ll ,md "ill not be provided unl~1$ you siEll ~Iow and 18fee to ply~ Iclditill~'~ll}. i'ItI.IWllIIl \he NOTICE Of PROPOSEO ~Ellll ""$'" - . ;"~.. \I!>I'1!I
~~~~::S~~~i~rb~~O:~::~~r;h~o~;e~~~urance 4ertilice~,Or;Jl:OIIct~ tell YOU IlI'~AXIMU~;-=-.ni,,~j~urlllCl....ail.~It,A~ insul1nte unPI,i~ ~i,h ~,~ ~~,I~~; ~ "I.
oil",
By li~nin2. you I.~ Sinale Cf~dit life Insurmt, Wh~ is ~our ~Yllillin2. youlel.~fSin&li,Clllli,t~i~& Wh.tisyoor To ~~td~,!J.ll'm~~lWUoT'" '
wnich'o,lsS .&el~Yoars ,H..llth\niUli!",r;.;,"hlcnc~~';'~;,. Ip~~Yem t $ I" ;""J"ij/.'n\:,,,aftllll,'
'''"~I"",,,,,,, '" TOPUbliCOflicill~fcr..","(""~
~reolBu!",llI~i~tlI~IIf;idenI&liaIlllIi/llllllnct '~Ucense,l.as'ndRe&is\fl\kln"""...
Whallf~ By. _. ~lIIlbofl. l!Mlict~~" " wn.areperclnllllt e. $ ".; 7;";,,t"ll~a
)'OUrilles! ~&""'~.$_ )'OIl'1p1l tobe '"" ! lilnfee,;;" ,dl:iliu.;;":~~
"1 .'; ,.,d'.m~l ;!lIilbMJ"I"," ','-"":'-",-'insulld '"' $ ".',.,~.rl'~;I~~_
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""t,tolO'," $;,,;,,"'-"'''';<\''c.I,.~
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SI~lturelo!bo\hBUlerstObelnIUredlo.-Jol"lC<edijUlellli\J'anee'~~::.~.=sIL~,,!!oi:nt, '~~"-' ~., $~. ~_'_J_~.'~'f~~~'
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" .'. "9Ill~ [ ~-"'" . '$ "'1306"~'711"" .
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With _A.~'Jl,'a. _.tJUi'fiT_OWYITllfIl' '~llU ~r :~,;:::,::,;,
ASSIIiNEE:.WII1l.SY naillltMI CIlntr.ctlnd S~'.rilt~.eemi.nltol'Plnline~.'" " YE.' " ~~i8". ~ '!\It,~..I'. ~"l1iia.nl,
IheCGntrac\toasublllQu.nllssisnll,thetermaIsaJiIlerttQ'sucllsubsequent'l . ,Alllr snment;'llnshliln~benefibolllla
Sell.r in thIS Contract end In ll\e Security Aire~ent 11I111 ~p.tO'~nd be IfI!<! JtY ut\ - :'ThJ AAl,inae will nOtity you whln
and it S.iler mlkeSln auisnmen\' " ,,,.,,'. . .... . ,', ~ ." .""~:111HI' ~. "'",., _'0,1;'" .'^ -"',..', ",," . "..' "'. ,
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By silnin~, ~ou both ,eOlct Joint
Cred;llifeinlUrlnc..whl~hcOlls$_
COMMUNITY BANKS,:NA, 150 M',rk!t~u.re, MJ"~9;'!',~~Q~Ji'~' ,:,;;' ',I~'
CO.SIGNER: Any perllln siiflinE the Co.Siin.rs:,AKfIIlhenl bllow plOlllise~$IPlfltal)",~l9itIlItti.~ al1\~Sislltrlalaqd~UYlrlll,.to illY
ill lumS du. and 10 periorm III IQreemln15 In IhIiContr.et.Co-SllJllrwlll nolblpOwii .iOftliil'Yililcte. ,
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plym.ntwIUbedu~~nL;1j811 APR
CO:-OWlltR: My person liEninallle Co.Owner"1 Secu,11y ,weem..",. ..beIOW. .i.i.", I us I Hf;UrityJii. the Vehicle. and lireell.p.ra\ely Ind "i "". ,c:.'CI..". ./' iiidlMrr ~ ,
~~~~ V::~:i ~~~r\5llnd Bu~er($], III p,rlorrn ,aIW~If"~~1!'~ ~~u~mr.re.' '.' ~~r,p~~,~f !h!~, ~!~ac\ lICe~tll\eWii bl": oi.'~; ~~ dir~~;cR"
TEIlMS:Tnetermuhown In the bOIlUboYlllrt part01thisCol~I~jL ':,>C1 _~0T83(1 3, tA'i ~'. -',~;,' ,,',' 1011o"lnl. I'>, ]:, [ ~a IBQl'lijl
PROMISE 10 PAY: You aifee to PlY UI \htl Tolil:SI1e Price lor the VehIc0l1ly"lIIIIUnlIlIIltilhQJECUlltYAGItEIMEN1: To secure tile oayment of Iii sums du.aM thl perlormanCl of..
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BV siininl bilow, wlairee Ie lelllhe VehiCle t. yoounderthetermsofthlS Conll'lld":~~' i,NOllCE1'O~UYER:::':'DO NOT SIGN THISCONTRACrIN-aLANK. YOU AR
_ .._ ~NnTU:rO AN EXACJ COPY OfJHE CONTRACT Y?~,SlG,
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1~" I,,,"," CI,,,,e conslsls ,olely 01 interesl
~ Iho ~"'cuot f'"nc"d. The finane, C~"le
P"",,,r, In" ,,,umpllon 111,1 we "ill receive.1I
,'.-, "" ,co"" (.0, I'P~L~"
~IN'Jnl i',I',or.er1 ,,,'l "'1 ;'1,'"''
",)rr,p',le~ d"ly on Ih, O'JI,I"'OI'1
\ho'~n "" 1\1, IInnl "de h" h"" ,'"',
~aym""ISlV1lh"L['c~odul'dd'J'dm5
iI. COMPUTING IHTfR[ST, We will Cha,!" rnl"..t Gn i d~ilyb"is on the outsl~"ding
b,lance,ublectlo,nlerell on ""h day 01 the I"n lerm. The da,ty I nlerell rate 's eQuil to the
Annual Pertentag' R,le divjd,d bjlhe num~" of daYI in thlt calendn yeir, Buyer a~reel
Ih.t because ,nlerest 's eal~ulal,d no I da,ly hlS'I. lat' Pljme~ll will result "" Iddillonal
'nlerest lind, ,I .pplicable, , 1,Ie ch'r~'i. [,'ly Dlyme~ts "III result in less interest bliing
,,,.,god. E"IYI~d/orlal'D'jme"15WIII"","lh'amouMollhet,".lpaymMIIDchange.
l LAn: C~.;ARGE: Buyer Igrees 10 pay, Ille c'.ar~e lor ,n~ plyment not mad. wiHlin 10
dojl Iller Its due date, Tile lite Cil,.., will be 21( per monlh o~ Ihe unpaid Imount of the
payme~t We 1'1,11 con,ider,"y port of a monlr, me.cessof 10 days to be a full mMlh. The
I,te cll;rge "ill ile due when el rn1d. Nc ',te cha'~c will be due il lhe lelSO~ that tile
",menl 's lite is beCluse, alterdet"JII. Ihe enl"" outstanding b3 lince on tllil C<lMriCl is
due, Na late ~h"le w,1I be due ,I the '"Iy re,son that Ihe paym,nt is I,le is because of Ilal,
dlal~eassessed o~ .~earlie, pllmenl
4. APPLICATION OF PAYMENTS, We Will opply p'ymenl' in the lolto"in~ ofder 01 priority
li"I 10 inte,est: and t~'n 10 I.t, charges, 'ces, orinel~al ano ,ny Gtller Imount' you.owe in
the order Ihal "e ~hoose
5, PREPAYM~NT: YGU mlY preplY. rn IJII 0< in pari. the amouol owed on lh,s Contract II any
lime l'/ithout penalty. If you prepaj Ihe CooIII,1 in porI, ya~ agree to eontinu€ 10 make
reg~larlj scheduled paymenll uotil you pay .11 ,mounts du, under lhis CoolrlCI. T~is will
reduce the "umber ~f paymenls ynu wfll m",
6. WAIVERS.
a. WAIVER BY SEllER ANO ASSIGNH: We ,nd A"i~nee "Olve I~~ ,ighl to Ireat an,
property as S1!~urit1Ior Ihe repajmeol nt this C<lntrae~ "cepllor lhe Vehicle and the other
sec~ritYSPeGllic~lIy mf~lioned In tn"Conllld
b. WAIVERS BY BUYER. CO.SIGNER AND CD.OWNER: Yo~ agreeta make all piymeollo"
" before IIley are due "illloul Ocr h"ir'E to ".. 'f l~U dun't, "e maj enfo,ce our rights
w i ~ he ut n 0 Ilfyi n g yau i n Idva "Ce. "u gi, e ',p a"'1 ". hi," u m a j have' to require lhat we '
,r,terce o~, roghts agai",: s.ome nll,et re"or or ~'Go€rl1 b,lore we enfarce nur ri~1l1S allain,l
yo'." You .,roe tn.t we may ~ive up c.ur ",hi, agarn<1 som, Clh.. pe'soo but not I~lmsl yo~
Yo" w,i'e d~e dilig,nce in collecllon ,nd ,II ",Iense, b,sed on ,u,elyship end Imp.irmenl 01
milalerllor securilj
I. INTEREST AFTU MATURITY ANO JUDGMENT: loteresl allh€ rote pro,i~,d in lhis
i:unlr~,t ,iI,1t continue In acuue on Ihe ',opair, bal,nC<l unt,l paid ,n f~11. even 1ft" malurily
ond!ar a~.' we ~ell iuo~ment '~li~st you tGr the amounts due, Th" will applj e.e~ if the
""I"ril, Geeurs bet. use ot 1~'ele'lllo~. if II 'ny lime inleTest as prov'ded for ;n th;s
p"l~raph II not permitted bj law. rr.t~",t ,~.II accru€ .1 Ih, hi~hest rite allo",d by
~ppl<(lble law be~,""iog at th.t tim,
8. YOUR PROMISES ABOUT OUR SECURlTV INTEREST: You 1'1,11 not pe,mit aoy~ne other
Ihor uS to obl,io a ,,~urity ,nl're,~ or ot~er rights rn 1he Vehicle You will pay .1\ fili~ll fees
necess.rj ta' u' 10 oillam and mllnl,,,, om 'ecurilj'~lerell rn tile Vehitle, Y~u "ill 'SSill us
rnha"ngou'securilYlnteco,lnal,rjonltler.frtific,l,aflittelotheVahid..you 1'1111 not sail
Or I~"e ,w'jlhe Velllcle. If snmeone ""I, , 1'00 00 tile '1e~i~le. yo~ ,,011 PiY thf obhlllliao and
cle"lhellen
9. YOUR PROMISES ABOUl THE VEHICllc Yo, "il'.eep Itle V!h,de in goodc ondihana,"d
'0[""'. You ",II pal III t"e, and ,nar"", or, :he V,h,cl,. Yau ",11 Pl1 all ~o$ls 01 m..nla,nln~
11t Veh".le You will nol abu," Ie" ..." ,I, ,or lH"mil a~ythiog to b, done 10 the Vfl"cI, "hich
will ler,uce,I,.aluf,otMrlhaotr.r nrr,",,1 '",-Mand use. You wIll no\ uoettleVetliclefor
;II~,,' r","~O"\ or lor hi" nr I€lle '101] will n"t mn,e !he V,hicle flam yaur add"l\ sho"n on
tnehnlollhl;Cont"ctt",c,wp'"'r"'"lp.,,eo'garlg.ngwilhoutnolil,ingUlln
,d'.',no,
to YOUR PROMISES ABOUT INSURANC[: '0" will keep Ihe Ve~'cle in,ured I~ain't fire,
Ihctl Ind coll"ioo unlil 111 sums <ice U\ ore PII~ ,n lUll The insurancf ~ove"gf must be
sati\I'clnry to Ul ano p,atect jour Inle'"'ts 'n~ ou' \~leresl\ It l~e lime DI any i~suled I~$'
Ihe Insurlnce must nam€ ~s IS "IOs.,-p,y~e" ," Itle p~llcy. Iii, ir"uraoce must be "rilten by
,n 'O,""nce cnmp.ny qu,lih,d 10 da busi"el\ rn P,n~sylvania Ind licensed 1e sell inSUflnce
'.1 'r" ,Iilte whe'e Ih, Vehfcle il perm,nen:I\' ~I "Ied. The 'n$uranCe poli~y mu,t p<avide us
~ilh alleast ten 110; dayl Orlnr w"l!eo ,.ot;" cl any tloCellltlan a, reduction io cavera~e, O~
request, lnu shill delive, the OOI'(.y 0' "th,' evidMte 01 insuronce ca'fri~e to us. tn th€
",'enl ot I~e I~ss 0' dam,!e te.llle I'd'''.!,-, p" will immed,.lelj notify us in "riliog Ind lile a
)';"'; o~~~' tlrttHt;eT~s~t'~E' PROOF Of lOSS: In thf event of .;;; ~~ss or damlge ta the
.','",10,. It you Ilil or rel~'e to lile J (I"," or ",001 or loss ",th Ihe i"'UranCf c~mpanj, you
'"~II," 11\'lllIe Sillier, A"i~"ee, an, s;Jh"cu,"1 "",'e!, nr aoy ,utharized emplo,", of Inl
'''err. ["we") maj fd, a pmol ot Ins', '1,';lh toe Inser/nee comp,n" In jour oame ind .I~tinl
" iOur ,gent, wllil re'll'~1 to lh. ",su','d el"m. You alree Ihallou do not hive t~e right l~
,r,d ",',1 nol r"uke the pa""'j~u "'I"~ .i",,", 10 Iii" plaotot loss. You agre' thlt we may
"er(.11e Ihll po"" for aur beneht "d not tor yo~r ~enetit. ",cepl il provid,d io Ihis
:;ool",t ,od bylaw.
b. OUR RtGHT TO ENOORSE INSURANCE CHt:CKS: You a~ree thlt The Sellor, Assillnee,
'.I,y ,~bseQuent Ilsignee, Or In ,utnnriled employee ~f Iny of Illem ["we") may eodorse JOUT
"arne, ,cti~~.s jour I~enl tG I"y c~ec', (\"n ~r other ins!!ument w, receive in Pilmeol of
,< n tr,\~.fd 10" or relurn 01 IOSU" nee p"mi'Jrn\, 'GU ag'ee lhal ~ou do oat hl'e the right to
'nd will ,,~t r"o'e th, pow" you ha,e ,IV'" ']5 10 rnake lour ,ndOlS1!ment You al"e Ihel
..rn,y"wci~lh'spowelforourb~"dIIIOd"ollaryourbenefll."ceptaspiOvidedlnthis
n~t"r,t ,nd by t.'N
c. USE OF PROCEEDS: We m,y ~ppiy ,ny iosul;!oce proceeds we receive 10 "pai, or
eplace theVehicte ;f, i~ our opin,on. ,It is econotTll:iUy feasible and you ere not thM m
Maull of thiS Co~tra,l Otherw<s" we Will apply the Itlsurance ploceed$ to reduce the unpaid
1ltlnce due us_ After Ihf bala~~e ~ue ~s is pain, any e~cess will belonl loyou.
il. OUR RIGHTS IF YOU BREAK YOUR PROMISSS ABOUT THE SECURITY INTEREST,
IEHIClE OR INSURANC!:: Ify~u la"to ke.pya~' p.omises tD paj fillnllfees, tms. liens or
h, ca,ts nfcess"y 10 k,ep Ihe Vehicle in ~Dod condition end repair, "e may edvanCllany
Iloney you p,omiS1!d 10 pay. If you f,illn Ir.eep your promises ab~ut required insurance, we
n',y ad.ance m~oey 10 obt.,n """,,nce to co,€r loss or dl"'J~e I~ t~e Vell,cle, We h~.e the
c.loi,! 01 whethel ~, 001 10 ad'loce aoy mO~'1 ;or Illese pu'pas"" Su~h insurance "ill be
limite' amounl"otg'eller Ihan you n"e on thi,C011"Ct. THE lNSliRANCEWE
PURe Y BESIGNiflCANlLY MORE EXPfNSIVE AND PROVIOE YOU lESS COVERAGE
THAN rlCE YOU COUlO PURCHASE YOURSElf
We will ailO any money "e adia"~e on you, behalf to the balance on "hi~h we Imjios;e
flOancl Chlrges it lhe Ao~ual P~'ce~ta~e Rate of this' Contrlct. You agree 1e repay the
mone-,r adn"ced 0$ w~ Ilone may spe~ify: {i) immed'ilel~ on demand, 01 Iii) alonK w~h 'fOUr
momhly payments. If we choose to allow jO~ to repay tile mOOej id,anced alon2 with yolIr
monthly plyments, we Cin ~hoose lhe amount oflhese pa,ments ind ho" long you have to,
rlpay, It,ny DI our lIghll stated in this pllall"pll Ire nol permltled by ta", we still h~vt1he
other ri2htsmentioned_Our payments on jourbehall wLII "ot cure your feilure 10 pertorm
jour promises in this C<lnlrOlt;I. . j
12.0EUUlT: In th,s parag'lph '.You" means tile BUj€r, Co-S'goer and Co.Owner,oranY,onl.
nf lhem. You will be m "!lefault" of lheConlrael If iny one or moreot the I ollowlngthlngs
t.ippen:
.. VOUdOMlmakean,paym,"tanDlbetareiti'd~e;or
b_ You do n~1 keep any promiS1! you made in this Conlrac~ n'
c, You 00 nol l;e,pany pmmise ,oum'de iO'Mthel Coolracl,Nole, Loan or Aireemenl
l!iI!lSe~rorAs.sig~ee:or
d, You made aoy unt'"' slal.meot,~ Iilf ~redit appliclt,on I~r t~il Contract; or
!.Youcomm'tledanylorgeryin,onneotian",thlhi,Contracl;a,
1. You die. ar! canv,cted ~f, crime invnl,inR lraud or o1llloneslj, or are lound bya court
withiurisdictian10 do s.o1ebein,"pacilaled:or
g. You tile baokruptcy 0' insolvency proceed,~g,. or anlooe hies binkruplcy or
insot.ency proceedin~s a~linst you; or
h.YoutaketheVehiclfoulsidelheUmledSlalesa,Cao.da"'lhoulour"ri\lenCQnsentor
i, Yoo use the Vehi~le or anow someone el,e 10 use jl in a way lhat causes il nol1e be
l;overed by yo~r insu"n~e: 0'
i, You do somethiog Ihll tau,e, the V,hiCle 10 be lubie~t 10 ca~fiscati~n ily g,..emm€nl
authorilies;or
k. The Vehicle is lasl stolen. de,tro,ed n,dam'ged beyond ecooomic,1 repeir,endoot
'i.ed or lound wiltlin I reasoo,bletime:or
I. AnDthe, credilortr1es 10 l"f lheVeh,cle orl'aUI maMY on dep"s't"ithAs$i~nee by
'egilt'(lIocess. "
IlOURRlGHTSlfYOUARElNOHAULTOfTHISCONTRACi,lfylluar&in!lefaultG11hls
:Ontracl w, may entaree our rig~ls lCcordi~~ tn Ilw. W, may Ilsa do the ttiiniS specilieatly
meohoned in lh,s Cantra~t. We may dD one ollllele thioiS arid at the same lime or laler do
.n~lher. Som€ ~1 tne thing!< w, mlj do Ire the lallow,ng
e, ACCELERATiON: We can demand tllal yau p,y to uslhe enlire unpaid b,llnce owln~
~~ tlu! Contract and all unpaid Finao" Chlrges and olher moo,y due, You agree lhat IOU will
pay this money fo uS >n one siogl, payrn,nllmme~"I,lj UpM re"iviogourdeman~
D, REPOSSESSION: We c'o "Il'JSlelS tll, Ve~icIe. unless prohibited b~ Ilw. We can do
thll ourwl.es. have a qualilied perl~n do 'I far u" nr h,.e a ,o,ernmenl ofti~ial (by replevin)
do ~ for 0$. You e~ree lhal "e coo peaceably ~ome on 10 JOU' property to do lhis, We may
ukelnyo1herlhinllSloulldintMVehicle,but"iltrelum\heselhingslo)'lluilyoulsk,llyou
wantthesethingsbaok,yDuagJfetoask us in i;elter lenl 1e uS by cert ifiedmaitwilhin24
hou~ 11 you do not sen~ ustili, letter, jnu ~Iie UP .ny cla,m 10 these things, Yeu I~reelhll
"e may use yaur litfnse plale' in reposseslini Ill, V,hicte lod ll'in~ it to a place for 1I0raie.
c, VOLUNTARY OElIVERY: We c.n "k you 10 give u, th, Vehiclf at a reasonlbl~
con.enienlpl.(;"Youig,eetall,veUl\heVehicleilwe,sk
d, Of LAY IN ENfORCEMENT: W,clode:.yenforctngour n,ilts under this Contract
wilhout los;n~ Inj rights
14. SOME THINGS YOU SHOULD KNOW If WE R[POSSfSS THE VEHICLE: II"e "possess
witho III using a go ve' nm e 0 t oHici, I I by re p levlO ~
I.NOTlC~:We"itlS1!ndyou.NalicentRepo%"\\ionlnynu'l'stadd"sswel;oo"'bout
Tllil Notice ,,011 tell 'OU ho" to buy b,c.lre~eeml tile Vehicle, You "ill NOT hive th~ right 10
reinstate the Co~lri~t Thi, meins you will have 10 pay lhe t~lal ballnce o~ lhe Contrlcl and
other amounts due. You may ~of let tlle Vehicle back by payio~ d,lirlQuent installments, Thil
NoliCll wi~ lell you Dill.. iol~rm.tlOn required by law
b.IlEOEMPTION: You have lhe ri!hl to buy bac~ Iredeem) th, Vetl'cI~ w,thin 15 da\,! of
the mii[ing 01 Ihe Nolice ind at any late, !Ime betare '" sell the Vell'cl~. If you do not
"deem,yougiieupallcllimtalheVehi,le.
c,SALE:llyoudon'tredeern,"€l'/i1I,eUlheVehlcte.lllemnneyrecei'ed at sale will bli
used 10 PlY cosl, and Hpeo'fs you ow,. aod th~n to p~jlh, amouot JOU o"e an the
C<lnliacl
d. SURPlUS OR OEFtCI~NCY: IlltI"e is money Iff!, '" 1'1,11 p'y It ta ttle Buyer. Illhere is
nat ellOugh mo~ey fiOm the sale to p,y willi yo" owe, Buy" ,nd Co.Silner Igree to pay what
is slill owed to Ul
e. EXPENSES: Y~u 'gre. tD pay Ihe ~osts of 'epassessin~. llorin~, lepaLiIO~, preparing tot
lale and seflin~ the Vehi~le as may tie allawed b, Ilw. lhese caSll "itt only ile due il'
I. Oela~lt flceeds fifteen 115) days at the 11m, of ,"passessio~;
2.Theamouolof~ostlm,clu,l,n"eS\!rya"d,€"onlill,;and
JWetanprovethecosls"erepaid
15_IIElRSAND PERSONAlREPUSENTATtVES aDUNO:Aller~aurd,"lh, IhisContra~l,hall
be entDrteablf a~Olnll jour hej" and perSilnal reprewotlli,as al your estal,
15, GOVERNING LAW: lhiSC<lnlracl isln be inle'prel'd "cordin~tothell"of Pennsylv.nia.
17,SEVEIlABlUTYOF PROVIS)ONS: ff tar any rei>on anj part 01 this Contrad shall become
i~e&al, voidorunenlQlte3b~.thalpartshallnolbe I p;lrtollhisConlraCL "1,1'
l~: ~~I:rr~rW:l;:'Ml?:rB~~~r~t&~&WM~Wl~it.IMPUEO, lNCl~D;N~.THf
WARIlANTlESOF MERCKANTABlLlTYAND FITNESS FOR A PAUICULARPURPOSE;
UNLESS WE HAVE GIVEN YOU A SEPARAH WRITTEN WARRANTY OR UNLESS snLER
tNTERS INTO A SEllVlCE CONTRACT WlTH BUYUWlTHlN 90 OAYS FIlOM THE OATE OF
TKISCONTRACT.
luyer's Guide Window Sticker. IIlhe Car which is described on the face ollhis Contract has a Buyer's Guide Window Sticker required by the Federal
'radeCommission Used Car Trade Regulation Rule, the lollowing notice applies:
The information you see on the window form for tltis Velticle is part of this Contract. Information on the window form overrides any
contrary provisions in lhe contract of sale.
~OTICE-ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO AtL CLAIMS AND DEFENSES WHICH THE DEBTOR COUto
\SSERT AGAiNST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY
1EREUNDERBYTHE DEBTOR SHAll NOT EXCEED AMOUNTS PAID BYTHEDEBTOR HERWNDER.
NOTICE OF PROPOSEOCREOIl INSURANCE
'n' 51,nerlsl al Il1i, CGnlr<CI h€re~j II'els: noli~, Ih.t G'ouP Credit life Insunnce coverige ,or Group Credit Accident and Oisabil~1 lnsur;n~e COVfrage will be appli(;lIble to thl$
eMtrlcl ,f sa mlr~ed an Ihe lronl of "_IS Ccnlract, lod each ~uch Iype.of ~~verage Will be wrllten by the I."SUflnce company named_ ThLS rnsuran~e. sublect to Iccept~nce by lhe
""'~r", covers ~0111he oerso~ Or >.e',:no, "~n'""l th, 'eQue$1 lor ~u~h msuraoce. The amQurrt.Qf ~harge IS 'ndl~ated for eactl type of CredLt In,u,ance I~ be pur(;hased. The term Qf
,0,ora"C€ wLlI comm,noe .'.Of tne 0'" toe ,"",bl<ane;s IS m(;uHOd and wdl expire. on lhe ongmal schoouled ~llunl, date 01 the mdebledoe>:;, Sublf~t 10 acceptance by the msur!r
.no! Wllnm 30 days, Iherf "'II he 1ell'lereo 10 Ihe insured debto'I') i certlfJCate 01 ,"SUrance more fully descrlbtn~ the Insurance, In lhe ..,nt 01 prepayment of the ,"d!btedness,1
,efund ollnlurance ~har~e' will be m.de when dve
NOTlCE:SEEOTHERSIOEFOtlIMPORTAMTiNFORMAIlON
THE PROVISION BELOW IS NOT PART OF THE PENNSYlVANlAMOrORVEHlCLE lNSTALLMENTSAlECONTRACTBETWE!:NTHEBUvtRANOSElLER.
ASSIGNMENT
la Induce you, Ihe "As,ilnee" idenlille~ nn the h~, of f~is Cantract or n foltows. (N~me)
purchase the w,thin Cont,"cl. Ihe Seller h,'eby w",a"1s a~d reprelentl. aod conlinuesl'l wiHant."d represent lhat the salf hiS been mid, Ln ,trie! canl~rm,ty "ilh III applicable
deral, state lod local law, Ind re~ulalions, In~lud,"g, but not limited to, Arti~l, 2 of the Penn,yl.ania Un~orm Commercial Code 113 Pa_ C,$_A ~~2tOl el seQ): aur lille 10 the Conlrllet end
,e V,hicle covered the'lbj iSlbsnlule, tree ot all Ile~s. 10cumDrlnces aod se~uritj Int~rests. and Is $ubie~t onl~ 10 tile rights of lhe B~yer as ,et fof1h Ihe,ein; Ihe C<lnlract Is genuine, the
~nllur" lhereon are not far~'''es, arole from the 1,Ie nl th~ Vehicle lherein dest"bed, ~nd all parties lherflo arf of lull age Ind had capacity la, contract the desc,iption of lhe Vehide
ld el\la eqUipmenl 's complete lod CMlfCt: I~e ~"h dGwnp.lme~t and/~r trede.1O altowa"ClI wert actu~lIy recelV€d and no p'lrt ther!Dl cansLlted of notes, IlOlt.dal€d' ~he(;ks. o1htr
edLI ao"nted by ~,ta Buyer Or ,ebales or \lmlll' pl~me~11 from us to the Buyel Ihowevllr m.nula(;ture, rehates mal ~on$l1lul. all Or a part al the downpajment): all war/lntle, Ind
I!,m,n\, Ih,,"i" Ole Irue; thele ',S OWIOR ih"eo' tne Amounl flnlnced plu, inle,€sl at lhe ~nnijll Pereentalle Rate 01 Ihe Conlracl s.l fortll the'e,n: we ore duly li~fnsed under lhe
ellnsylvan" MotorVehrcie Sales flnaoce ACI <nd h.ve dul, c~mplied w,fh all ,eQuirement9;hereol with respecl to the traosaction and wllh thefederll "uth.in.leodin~ Act and "ith~ny
Mr fed"al or Slilf Ii", rule or "~',I,'ion lP~llca~le 10 thi, Contrecl: a malo' vehi,le title ".rtiticate showin~ a lieo or encumbrance in favor of Assign,e hiS bun ~r "itl be applied for
",nptly: thf 'fiislrahon ot th, V,nicl, ha' "01 b!en suspen~~d ,od the Seller kno"sol nn lids which may re$ult in the ,uspension of Slid relli,lratian onder Ihe Penns~I'lnil Molor
,'oiele fin.octal R€IPtlnl,ililily Act: Ihe BUlerlsl nlmed m Ihe within Conlract ill".1 personally knolln 1e th~ Seiter to tie lhe same ide"11~al pefSGnlsl whnse silnature(sl is (Ire) affixed
Ihl' Cnntrl',I: and Seller has no knowledie of f'(;I' impairin~ thf vatidity ,or ..Iue nf IheConlract.11 any such "arnnties Dr representations lh~uld ile breached at Iny lime, Seller shill
pL>rcl'lse SOld Contract from Ass,.nee. on ~emand, 'o~ ",tI DIY Iherelar, ,n calh, the lmo"nt awmillhe,eon, ~omput~d asset lorlh belo", and so,d 'em,dl shall be c~mullt..e lnd nol
,lu'iVe. lod ,hili nol aftecl any olh" n.ht or ,emCdjlh'l A,siioee miRht hoof.I la" or In equ'ty all"inst Seller. In ttle e.ent ttlat Buy" I,tls Dl "lu'€S to ml~e 'nj payme~t due
'"under on th€ assart,o~, fit her oral or wrilten. I~al.lhe Vehi~l~ is delecli'f, nal as represented to lhe Buyer b~Selle', or lhat Slill~, 'efuse, ta ho~n' iny wmaotj or see.ice iK,eement
Seiter 0' minuflclurer, Selle, 'glees ttlll, ~n tieing adVlled by ASSignee of $uCh (;lalM 01 Buyer, Sellel 1'1'11 rep~r~hlse Ihe Contracl. !rom ASSlgne.e aod pay AsslKnee for same
,mediately tn, a~~o,dan~f ",Ih th, "pu,chase. termllellorlh bela", and. Sellfr. lurlhe.r .g..eslo hold MlIKnee harmles, from any olher c1a'ms ~I Buyer, IOcludmg allo,ne\,!' lef!, cosll
d ,,~enses I"~urred 10 def,~dmg IgllnSl CII,msasserted by Buyer and In~ludLng claims kr relund 01 paymenll made b1 Buyer la AsSignee. II Iha Seller ~ontracts 10 pu,chase property
;u"nce on bfhalf of l~e BUjer, and Ihal In\urance i, "ncelled by the insurance (;omp.n}' pria,lo itl SCheduled e,plfllion dal', Sellel "ill iltempll~ pl",~ comperabte coverage with
olhfr In,UraO(;e company no bfhalt 01 Ihe Bu~er If Seller is, unible 10 do so. Sell" will ~otify Buyer ud pay to Buyer lny additional ~osls inturred by the Buyer in obtliniog
Jlaceme~t msurance for the unexplr.ed period 01 th, GIIglnal Insurance POIICI, By Sl~ntnlllnd d~tlng Iii! Con\"~1. IS S€Her.. dehvenn~ the Cootracl. 10 th_e Assig~ee aod accepting
'Iment I~r II. Selier .uthollles Ih€ ASSignee to acll' the Seller"s alle~t for l11e purll'Jl! of c'lmple1lnll or correctln~ the >denhhcatlon of the Assigne~ on lhL. Ass'll~menl to rdl~ct lhe true
I,.nee "ho purcllased the Canl,act and/or lor Ihe pu'pose allignin~ Seller", nlm€ 10 lh.s Aslillnmenl wllhout "c~urse, if the As$i~nmfnt is delivered "ithoullhe Seller'l signature.
II.nee mlY elf.'cil' th, power ~i'en 10 ihi< p""'ll"ph fOl t~e beoelil of the Assignee Ind ~ot for lhe blin~fit ~I fhe Seller. Seller do€s not Il.ve Ihe righllo Ind I~'ees not to re,~ke Ihe
n'er ;c,veo In I"" pa"grap~
',:r.e evenl thai Seller" requrrd 1\" !."'i''11en' to rep'Jrchase the Con~"ct Ind!ol V,hicle, Seller shall Plj to ASllgn,", In cesh.lhe lull unpaid b,l,"ce of the Cootract is olthe
,I "PL"rh~5e, plu, any Ihen h,cu. CI.",,:e ,n" '0'1 and all tosts I,1d ",pe"" Plid n, ,ncurrfd ~j A'''~oee in ""ocl the,eto i,,,ludlo~ ""oo.ble JUnlnelS' fees, in
wilh cl,iml by G' agai"t "', FlI'1'" Ow",, G ;moo; I,' ~O\\f"'on 01 Ih, V.lli(;l, end!or by or ag.,"st Seller
""'.;-"1 ',,..IIe. 'r.d "''''1'0"",,, ""
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CASE NO: 2003-03539 P
SHERIFF'S RETURN - REGULAR
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
COMMUNITY BANKS
VS
KENNEDY FRANCES
BRIAN BARRICK
Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
KENNEDY FRANCES
DEFENDANT
was served upon
the
at 157 W NORTH STREET
, at 2012:00 HOURS, on the 1st day of August
, 2003
CARLISLE, PA 17013
FRANCES KENNEDY
by handing to
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
3.45
.00
10.00
.00
31.45
Sworn and Subscribed to before
me this 3.-<4 day of
7)'....% .2L!O.J < A . D .
(. '''LQ_~~
~rothonotary ,
So Answers:
r;~~~
R. Thomas Kline ~~~~ ~
08/04/2003
GODFR::: CO~~, ~ 11
Deputy Shen,~
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
(j
COMMUNITY BANKS,
Plaintiff
NO. 2003-03539 P
vs.
FRANCES KENNEDY,
Defendant
CIVIL ACTION - LAW
TO: Frances Kennedy, Defendant
You are hereby notified that on 0/-3 ,the following (Gffier) (Degree) (Judgment)
has been entered against you in the above captioned case for your failure to file an answer to the
complaint in the total amount of $10,703.56 plus costs and interest.
DA TE: ~/;/ 3. ..;7a',) 1M tad- /. ~
Prothonotary /".e.&
1 hereby certify that the name and address of the proper person(s) to receive this notice is:
Frances Kennedy
157 W. North Street
Carlisle, P A 17013
To: Frances Kennedy, Defendido/a (Defendidos/as)
Par este medio se Ie esta notificando que El de
Del , El/la siguiente (QfQeft) (Deereto)
(Fallo) ha sido anotado en contra suya en el caso mencionado en el epigrafe.
FECHA:
Prothonotario
Certifico que la siguiente direccion es la del defendido/a segun indicada en e1 certificado
de residencia:
Frances Kennedy
157 W. North Street
Carlisle, P A 17013
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
COMMUNITY BANKS,
Plaintiff
NO. 2003-03539 P
vs.
FRANCES KENNEDY,
Defendant
CIVIL ACTION - LAW
PRAECIPE FOR JUDGMENT
Enter Judgment in favor of Plaintiff and against Defendant, Frances Kennedy, for want of
ANSWER TO COMPLAINT.
(X) Assess damages as follows:
Debt -----------------------------------------------------------------$ 8,214.36
Attorney's Commission-------m------------------m---m----- $ 2,489.20
Interest ____________________________________________h________________ $ to be determined
Filing costs-------------m-m-------m---------------------m--- $ to be determined
TOT AL________m__m_mm__________m_____________m_h_m__ $ 10.703.56 plus costs
. It is a130 entOfod that I'6"""iU11 uf 1I,,, 199::; Ni,><Ul MllXiilla bOOl'ing V ohiole IdontifiGlltiuu
Numeor INICA2ID7ST056352 is aw",dcd to Plaintiff.
(X) I certify that the foregoing assessment of damages is for specified amounts alleged
to be due in the complaint and is calculable as a sum certain from the complaint.
(X) Pursuant to Pa.R.C.P. 237 (Notice of Praecipe for finaIjudgment or decree), I
certify that a copy of this praecipe has been mailed to each other party who has appeared in the
action or to his/her Attorney of Record.
(X) Pursuant to Pa.R.C.P. 237.1, I certify that written notice of the intention to file this
praecipe was mailed or delivered to the party against whom judgment is to be entered and to
his/her Attorney of Record, if any, after the default occurred and at least ten d rior to the date
of the filin1 o~thiS praecipe and a copy of the no~ce is attached.
DATE: q\t /1'h Signature: "'---
~ I' / Stev . Courtney, Esquire
Attorney for Plaintiff
P.O. Box 6280, Harrisburg, P A 17112
(717) 540-3900 ID#: 74669
NOW, ~~:I..-3
,2003, JUDGMENT IS ENTERED AS ABOVE.
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Prothonotary/Clerk, Civi(Division/....u-
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
COMMUNITY BANKS,
Plaintiff
NO. 2003-03539 P
vs.
FRANCES KENNEDY,
Defendant
CIVIL ACTION - LAW
TO: Frances Kennedy
157 W. North Street
Carlisle, P A 17013
DATE OF NOTICE: August 22, 2003
IMPORTANT NOTICE
YOU ARE IN DEF AUL T BECAUSE YOU FAILED TO TAKE THE ACTION REQUIRED
OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF
THIS NOTICE, A JUDGMENT MAYBE ENTERED AGAINST YOU WITHOUT A HEARING
AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS.
YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING
OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP:
Cumberland County Bar Assoc.
2 Liberty Avenue
Carlisle, PA 17013
717.249.31
By:
n C. Courtney, Esquire
GODFREY & COURTNEY
P.O. Box 6280
Harrisburg, Pennsylvania 17110
Telephone: 717.540.3900
LD. # 74669
Attorney for Plaintiff
OFFICE OF THE PROTHONOTARY
OF CUMBERLAND COUNTY
Curt Long
Prothonotary
Telephone:
(717) 240-6100
Cumberland County Courthouse
1 Courthouse Square
Carlisle, PA 17013
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff:
Community Banks
versus
Defendant: Frances Kenendy
Judgment No. 2003-03539
CERTIFICATE OF RESIDENCE
PA. R. C. P. 236
I, hereby certifY that the precise residence of Plaintiff is:
Community Banks
P.O. Box 6280
Hanover, PA 17331
and certifY that the last known address of the within defendant is:
Frances Kennedy
157 W. North Street
Carlisle, P A 17013
Steven C. ourtney, Esquir
GODF EY
P.O. BOX 6280
Harrisburg, PA 17112
717.540.3900
Attorney for the Plaintiff
Attorney ID# 74669
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WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 03-3539 Civil
CIVIL ACTION - LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due COMMUNITYBANKS Plaintiff (s)
From FRANCES KENNEDY
157 W. NORTH STREET
CARLISLE, PA 17013
(I) You are directed to levy upon the property of the defendant (.)and to sell LEVY ON
DEFENDANT/S HOUSEHOLD GOODS AND PERSONAL PROPERTY.
(2) You are also directed to attach the property of the defendant(s) not levied upon in the possession
of
GARNISHEE(S) as follows:
and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof;
(3) Ifproperty of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a
garnishee and is enjoined as above stated.
Amount Due $10703.56
Interest FROM 1017105
L.L.$.50
Arty's Comrn
%
Due Prothy $1.00
Arty Paid $17.50 PD A TTY FELD Other Costs
$95.95 PD ATTY GODFREY & COURTNEY
Plaintiff Paid
Date: OCTOBER 11, 2005
(Seal)
By:
Deputy
REQUESTING PARTY:
Name ARTHUR M. FELD, ESQ.
Address; 1309 BRIDGE STREET
NEW CUMBERLAND, PA 17070
Attorney for: PLAINTIFF
Telephone: 71 7-770-0292
Supreme Court ID No. 07172
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
PRAECIPE FOR WRIT OF EXECUTION
COMMUNITYBANKS
( ) Confessed Judgment
vs.
(X) Other DISTRICT JUSTICE
File No. ()3~'JSJf C;J
Amount Due $10703.56
Interest FROM 10/07/05
Atty's Corm
Costs Total
FRANCES KENNEDY
157 W. NORTH STREET
CARLISLE, PA 17013
Defendant
TO THE PROTHONOTARY OF THE SAID COURT:
The undersigned hereby certifies that the below does not
arise out of a retail installment sale, contract, or account based
on a confession of judgment, but if it does, it is based on the
appropriate original proceeding filed pursuant to Act 7 of 1966 as
amended; and for real property pursuant to Act 6 of 1974 as
amended.
Issue Writ of Execution in the above matter to the Sheriff of
CUMBERLAND County, for debt, interest and costs upon the
following described property of the defendant (s) LEVY ON
DEFENDANT/S HOUSEHOLD GOODS AND PERSONAL PROPERTY
PRAECIPE FOR ATTACHMENT EXECUTION
Issue writ of attachment to the Sheriff of CUMBERLAND
County, for debt, interest and costs, as above, directing
attachment against the above-named garnishee (s) for the following
property (if real estate, supply six copies of the description;
supply four copies of lengthy personalty list)
and all other property of the
defendant (s) in the possession, custody or control of the said
garnishee (s) .
(Indicate) Index this writ against
DATE:
IOWo~
Signature: G-l't\ \ ~)
Arthur M. Feld, Esquire
1309 Bridge Street
New Cumberland, PA 17070
Attorney for Plaintiff
(717) 770-0292
IDNo. #07172
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CommunityBanks
F/K/A Peoples State Bank
COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
Plaintiff
NO.: 2003-03539 P
vs.
CIVIL ACTION - LAW
FRANCES KENNEDY
Oefendant/s
Please withdraw the appearance of Steven C. Courtney, Esquire
as counsel for Plaintiff in the above captioned matter.
Please enter the appearance of Arthur M. Feld, Esquire as
counsel for Plaintiff.
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Steven C. Courtney, Esq.
Attorney 1.0.#74669
P.O. Box 6280
Harrisburg, PA 17112
(717)540-3900
U-~, \?V
Arthur M. Feld, Esq.
Attorney 1.0. #07172
1309 Bridge Street
New Cumberland, PA 17070
(717)770-0292
August 22, 2005
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R. Thomas Kline, Sheriff, who being duly sworn according to law, states
this writ is returned STAYED, DUE TO BANKRUPTCY.
Sheriffs Costs:
Docketing $
Poundage
Advertising
Law Library
Prothonotary
Mileage
Surcharge
Levy
Post Pone Sale
Garnishee
Postage
TOTAL $
Advance Costs:
Sheriffs Costs:
150.00
65.59
84.41
18.00
1.29
.50
1.00
4.80
20.00
20.00
Refunded to Atty on 02/07/06
65.59
So Answers;
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R. Thomas Kline, S("~
Byt} cw tL, 1>~bJ/
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Sworn and Subscribed to before me
2006 A.D.
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WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYL VANIA)
COUNTY OF CUMBERLAND)
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due COMMUNITYBANKS Plaintiff (s)
NO 03-3539 Civil
CIVIL ACTION - LAW
From FRANCES KENNEDY
157 W. NORTH STREET
CARLISLE, PA 17013
(1 ) You are directed to levy upon the property of the defendant (s)and to sell LEVY ON
DEFENDANTIS HOUSEHOLD GOODS AND PERSONAL PROPERTY.
(2) You are also directed to attach the property of the defendant( s) not levied upon in the possession
of
GARNISHEE(S) as tollows:
and to notify the g"rnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof;
(3) If property of the defendant( s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify himiher that helshe has been added as a
garnishee and is enjoined as above stated.
Amount Due $10703.56
Interest FROM 1017105
L.L.$.50
Atty's Comm
%
Due Prothy $1.00
Other Costs
Atty Paid $17.50 PD ATTY FELD
$95.95 PD ATTY GODFREY & COURTNEY
Plaintiff Paid
Date: OCTOBER 11, 2005
(Seal)
Prothonotary
By:
Deputy
REQUESTING PARTY:
Name ARTHUR M. FELD, ESQ.
Address: 1309 BRIDGE STREET
NEW CUMBERLAND, P A 17070
Attorney for: PLAINTIFF
Telephone: 717-770-0292
Supreme Court lD No. 07172
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Cumberland County, Pennsylvam8 "7
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PRAECIPE
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COMMUN1TY BANKS,
Plaintiff
: IN THE COURT OF COMMON PLEAS
:OF CUMBERLAND COUNTY, PENNSYLVANIA
V.
: CIVIL ACTION - LAW
FRANCIS VIRGINIA
KENNEDY,
: ,~. ,353'f - ~o" J>
Defendant
PRAECIPE TO PROCEED IN FORMA PAUPERIS
PURSUANT TO PA.R.C.P..NO.240(d)(])
To The Prothonotary:
Kindly allow Francis Virginia Kennedy, Defendant in the above, to proceed in
forma pauperis,
I, Geoffrey M. Biringer, attorney for the party proceeding in forma pauperis,
certify that I believe the party is unable to pay the costs and that I am providing free legal
services to the party.
MIDPENN LEGAL SERVICES
By: '~Az.2f.'.'._'
'Geoffrey M. Blringer ~
8 Irvine Row
Carlisle, P A 17013
(717)243-9400
ID#18040
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UNITED STATES BANKRUPTCY COURT
MIDDLE DISTRICT OF PENNSYL VANIA
Debtor
) Chapter 7
)
) Case No. 1:06-bk-00136
)
)
)
)
In re: Francis Virginia Kennedy,
Community Banks
Respondent
ORDER A VOIDING LIEN
AND NOW, upon the Debtor's Motion to avoid and cancel a judicial lien which
impairs an exemption of the Debtor,
It is hereby ORDERED AND DECREED that the judicial lien held by
Community Banks in Debtor's household goods entered on the record at 03-3539,
Cumberland County be and hereby is cancelled.
It is further ORDERED that Community Banks is directed forthwith to take all
steps necessary and appropriate to release the said judicial lien and remove it from the
By the Court
.. "....,
APR 2 8 2006
?liif1~
B ,Jldge (CG)
ThiS dO<:W1JI2~1$ eleclronjCaJlY~ignedl1nd.fiJe4on Ihj~ date.
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