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HomeMy WebLinkAbout07-2920IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MIDLAND CREDIT MANAGEMENT, INC. ; AS SERVICER FOR MIDLAND FUNDING LLC : No. D'`I -~ 9~d ~~~ . I ~~~ ASSIGNEE OF WELLS FARGO BANK ~ 5775 ROSCOE COURT SAN DIEGO CA 92123 :CIVIL ACTION -LAW Plaintiff vs HAROLD A PAWLIK 258C N ENOLA DR ENOLA PA 17025 Defendant(s) Filed on behalf of: Plaintiff, MIDLAND CREDIT MANAGEMENT, INC. Counsel of record for this party: / , Date: /G C" `' v Am ~ /Daniel F. Wolfson 20617 Philip C. Warholi David R. Galloway #87326 Tonilyn M. Chippie #87852 /Sarah E. Ehasz #86469 Robert N. Polas, Jr. #201259 /Bruce H. Cherkis #18837 Ronald S. Canter #94000 /Ronald M. Abramson #94266 Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff W&A File No. 172679922 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MIDLAND CREDIT MANAGEMENT, INC. AS SERVICER FOR MIDLAND FUNDING LLC : No. ASSIGNEE OF WELLS FARGO BANK Plaintiff vs HAROLD A PAWLIK Defendant(s) TI E CIVIL ACTION -LAW 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 or any other claim or relief requested by the Plaintiff. You may lose money or property rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-24A-3166 CCP Notice to Defend W&A File No. 172679922 IN THE COURT OF COMMON PLEAS OF ('IJMBERLAND COUNTY, PENNSYLVANIA MIDLAND CREDIT MANAGEMENT, INC. AS SERVICER FOR MIDLAND FUNDING LLC : No. ASSIGNEE OF WELLS FARGO BANK Plaintiff vs HAROLD A PAWLIK Defendant(s) NOTICIA CIVIL ACTION -LAW USTED HA SIDO DEMANDADO/A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes paginas, usted tienen que tomar accion dentro veinte (20) dias despues que esta Demanda y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defensas o objeciones a las demandas puestas en esta contra usted. Usted es advertido que si falla de hacerlo el caso puede proceder sin usted y un juzgamiento puede ser entrado conta usted por la Corte sin mas aviso por cualquier dinero reclamado en la Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. Usted puede perder dinero o propiedad o otros derechos importante pars usted. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED NO TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS. QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 CCP Notice to Defend W&A File No. 172679922 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MIDLAND CREDIT MANAGEMENT, INC. AS SERVICER FOR MIDLAND FUNDING LLC ASSIGNEE OF WELLS FARGO BANK Plaintiff vs HAROLD A PAWLIK Defendant(s) COMPLAINT No. 07 ~.9 2d ~l v ~~ ~~'~-1 CIVIL ACTION -LAW AND NOW, comes the Plaintiff, by and through its attorneys and the law firm of Wolpoff & Abramson, LLP, and files this Complaint and in support avers as follows: 1. Plaintiff is MIDLAND CREDIT MANAGEMENT, INC. AS SERVICER FOR MIDLAND FUNDING LLC ASSIGNEE OF WELLS FARGO BANK , 5775 Roscoe Court San Diego, CA 92123. 2. Defendant, HAROLD A PAWLIK, is an adult individual with a last known address of 258C N Enola Dr Enola, Cumberland County, PA 17025. 3. An installment loan was issued to Defendant(s) for the purchase of an automobile. 4. The Defendant(s) agreed to be responsible for payment of interest and all court and collection costs incurred in the event of default. 5. That the Defendant(s) defaulted under the terms of the loan. CCP Cmplt -Auto Loan wo AF 4 W&A File No. 172679922 6. As of the date of this Complaint, the remaining balance due, owing and unpaid on Defendant's loan balance is the sum of $11,262.92. A true and correct copy of a Statement of Account identifying the balance due and owing is attached hereto, incorporated herein, and marked as Exhibit ..A.. 7. Pursuant to the applicable Pennsylvania law, any unpaid or delinquent balance on said account shall continue to bear interest at the rate of 6 %. 8. As of the date of the within Complaint, the amount of interest which has accrued is the sum of $1,046.06. 9. Despite reasonable and repeated demands for payment, Defendant(s) has/have refused and continue to refuse to pay all sums due and owing on the aforementioned account balance, all to the damage and detriment of the Plaintiff. 10. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. CCP Cmplt -Auto Loan wo AF 5 W&A File No. 172679922 WHEREFORE, Plaintiff respectfully requests this Honorable Court enter Judgment in favor of the Plaintiff and against Defendant(s) in the amount of $11,262.92, plus interest in the amount of $1,046.06, plus costs of this action and any other relief as this Court deems just and reasonable. Respectfully Submitted, Date: /0 Amy F. Doyle #87 2 /Daniel F. Wolfson #20617 Philip C. Warholic #86341 /David R. Galloway #87326 Tonilyn M. Chippie #87852 /Sarah E. Ehasz #86469 Robert N. Polas, Jr. #201259 /Bruce H. Cherkis #18837 Ronald S. Canter #94000 /Ronald M. Abramson #94266 Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff CCP Cmplt -Auto Loan wo AF 6 W&A File No. 172679922 VERIFICATION The undersigned hereby states that they are the attorney for the Plaintiff who is located outside of this jurisdiction and in order to file the within document in an expedient and timely manner, they are authorized to take this verification on behalf of said Plaintiff in the within action and verifies that the statements made in the foregoing Pleading are true and correct to the best of their knowledge, information, and belief, based upon information provided by the Plaintiff. The undersigned understands that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. Date: / ~ a ~ Amy F. Doyle #870 /Daniel F. Wolfson #20617 Philip C. Warholic 86341 /David R. Galloway #87326 Tonilyn M. Chippie #87852 /Sarah E. Ehasz #86469 Robert N. Polas, Jr. #201259 /Bruce H. Cherkis #18837 Ronald S. Canter #94000 /Ronald M. Abramson #94266 Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff CCP Cmplt -Auto Loan wo AF W&A File No. 172679922 Exhibit "A" ACCOUNT# 7816530 CLIENT# 001846 ACCT BALANCE 11,262.92 LPYMT DT 09/30/05 CLIENT NAME MIDLAND C/O DT OPLAINTIFF# 000000000 *CC2-DEBT-NAME *CC2-DEBT-SALUT*CC2-DEBT-ALIAS PAWLIK/HAROLD A *CC2-DEBT-ADDR *CC2-DEBT-CITY-ST *CC2-DEBT-ZIP*CC2-DEBT-PHONE 258C N ENOLA DR ENOLA,PA 17025 7177325364 *CC2-DEBT-FAX*CC2-DEBT-SSN *CC2-RFILE-NR*CC2-DEBT-DOB*CC2-DEBT-DRIVERS-LIC XXX-XX-6544 *CC4-EMPL-NAME *CC4-EMPL-ADDR *CC4-EMPL-PO-BOX *CC4-EMPL-CITY-ST *CC4-EMPL-ZIP*CC4-EMPL-PHONE *CC4-EMPL-FAX 7179856433 *CC4-EMPL-ATTN *CC4-EMPL-PAYR-DEPT *CC4-EMPL-NR*CC5-FILLER 1 *CC-REC-TYPE*CC-FILENO *CC-FORW-FILE *CC-MASCO-FILE *CC-FORW-ID 01 8520640828 7816530 CA20.CAR1 *CC-FIRM-ID*CC1-DATE-FORW*CC1-LIST-FORW*CC1-COMM*CC1-SUIT-FEE*CC1-ORIG-AMT-OUT MD16.LAW 03/03/07 35.0 .00 11,262.92 *CC1-INT-AMT-OUT*CC1-ORIG-INT-DATE*CC1-CRED-NAME .00 WELLS FARGO FINANCIAL, IN *CC1-CRED-NAME2 *CC1-CRED-ADDR *CC1-CRED-CITY-ST WELLS FARGO FINANCIAL, IN *CC1-CRED-ZIP*CC1-BAL-AMT-OUT*CC1-TYPE*CC1-LPAY-DATE*CC1-LPAY-AMT-OUT 0000001126292 09/30/05 .00 CHARGE OFF DATE 06/27/06 OPEN DATE 01/23/04 iV ~ ~ N .~ ~ ^ ~ e~ ~ N V? -°G 7"1 "! ..., f iii tj ~ r r `: ~ f .•._ - ~ i ~J i fJ7 ei S1 75 ~SCoe ~~- ~ S~ <~e~~ G ~ ~Zi ~3 vs. 1 1~.. i~ ~ ~c-~~~A ~,SSSG N ~n~~ Dt, ~~b ~~ 11~ To In the Court of Common Pleas of Cumberland County, Pennsylvania No. O ~' ^ ~ ~ ~~ Civil. 1!9 ~~ Prothonotary 19 Attorney for ~itintrff' No. Term, 19 vs. PRAECI~E~ ~ ~;- -...~ -T, Filed ~~ i-' _,-; ~ `- { x:1 ~ 9 _ ~._ -rr ~ r, ~ -- '= _{~ .. t W ~~ r « IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MIDLAND CREDIT MANAGEMENT, INC. AS SERVICER FOR MIDLAND FUNDING LCC ASSIGNEE OF WELLS FARGO BANK No. 07-2920 5775 ROSCOE COURT SAN DIEGO CA 92123 CIVIL ACTION -LAW Plaintiff vs. HAROLD A PAWLICK 258C N ENOLA DR ENOLA PA 17025 Defendant DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT Pursuant to Pa.R.C.P. No. 1028, Defendant Pawlik, by and through his attorneys, MidPenn Legal Services, preliminarily objects to Plaintiff's Complaint and moves for its dismissal as follows: I. MOTION TO STRIKE/FAILURE OF PLEADING TO CONFORM TO LAW AND RULE OF COURT 1. Plaintiff filed a Complaint demanding damages in the amount of $11,262.92 plus, interest, costs, and attorneys' fees. 2. Plaintiff has failed to attach to the Complaint a signed written contract between Plaintiff and Defendant. Although this contract would form the very core of Plaintiff s case, such a writing has not been appended to the Complaint, nor its absence explained, as required by Pa. R.C.P. No. 1019(1). 3. Although Plaintiff avers that an installment loan was issued to Defendant in order to purchase a vehicle, no such installment loan was attached to the Complaint. 4. In addition, while Plaintiff claims in Paragraph 5 that Defendant defaulted under the terms of the loan, Plaintiff fails to attach any documentation of charges or lack of payments which would evidence such a default. WHEREFORE, Defendant Pawlik demands that Plaintiff's Complaint be dismissed. II. MOTION TO STRIKE/INSUFFICIENT SPECIFICITY OF PLEADING 5. Paragraph's 1-4 are incorporated herein by reference hereto. 6. As a whole, the Complaint is grossly vague and lacking in factual averments such that Defendant is without knowledge or information sufficient to form a meaningful response and prepare a defense. 7. The Complaint fails to provide any documentation or accounting of charges allegedly made by Defendant, which would support Plaintiff's claim of damages, such as a breakdown of charges, payments, and interest, so that Defendant can properly formulate a response and assert any counterclaims. 8. Given the generality of Plaintiff s allegations and failure to attach any documentation to support its claim, the Complaint fails to satisfy the Pennsylvania Rules of Civil Procedure. WHEREFORE, Defendant Pawlik demands that Plaintiff s Complaint be dismissed. Date: ~~~ ~ ~ MIDPENN LEGAL SERVICES By. ~ ~ ' . eoffrey M. Biringer, Esquire 401 East Louther Street Carlisle, PA 17013 (717) 243-9400 Sup. Ct. ID# 18040 . ~ ;~ n ~.. ~ ~ ~ ~ __ = --,~_~ ~~ ~., ;_ _ ,,, ° .~ _ :: ~=~ ~._ . J . --`j ~~~ { ~1 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MIDLAND CREDIT MANAGEMENT, INC. AS SERVICER FOR MIDLAND FUNDING LCC: ASSIGNEE OF WELLS FARGO BANK 5775 ROSCOE COURT : SAN DIEGO, CA 92123 : Plaintiff : v. HAROLD A PAWLIK 258C N ENOLA DRIVE ENOLA, PA 17025 Defendant Affidavit of Service NO: 07-2920 CIVIL ACTION -LAW The undersigned hereby certifies that on the below stated date, he served a true and correct copy of the within Defendant's Preliminary Objection to Plaintiff's Complaint, by mailing same to the office of Plaintiff's attorney of record by regular first- class mail, postage pre-paid, addressed as follows, which service satisfies the requirements of Pa.R.C.P. No. 440: Philip C. Warholic, Esquire Wolpoff & Abramson, LLP 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 MidPenn Legal Services ~~~T- /', ~ lr~ ~ Attorneys for Defendant ~t.!{ ~ P Geoffrey M. Biringer, Esquire 401 East Louther Street Carlisle, PA 17013 (717) 243-9400 Sup. Ct. ID# 18040 cy ~' v - .. ,~ -Y , _ ~ ._ r ._ ..__ > ; ~.~ r ; ~, `~ -=~ `.i ~ 3 ` SHERIFF'S RETURN - REGULAR CASE NO: 2007-02920 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND MIDLAND CREDIT MANAGEMENT INC VS PAWLIK HAROLD A STEPHEN BENDER Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon PAWLIK HAROLD A the DEFENDANT at 1400:00 HOURS, on the 18th day of May 2007 at 258C NORTH ENOLA DRIVE ENOLA, PA 17025 HAROLD PAWLIK by handing to a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 13.44 Affidavit .00 Surcharge 10.00 .00 5~3l~0~ ~ 41.44 Sworn and Subscibed to before me this day of , So Answers: ~, _~,~ :,~~ ,~ ,,, - .. R. Thomas Kline 05/21/2007 WOLPOFF & ABRSMSON By: Deputy Sheriff A.D. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MIDLAND CREDIT MANAGEMENT, INC. A5 SERVICER FOR MIDLAND FUNDING LLC : No. 07-2920 CIVIL ASSIGNEE OF WELLS FARGO BANK TERM Plaintiff vs HAROLD A PAWLIK Defendant(s) NOTICE CNIL ACTION -LAW 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 maybe entered against you by the Court without further notice for any money claimed or any other claim or relief requested by the Plaintiff. You may lose money or property rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 CCP Notice to Defend W&A File No. 172679922 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MIDLAND CREDIT MANAGEMENT, INC. AS SERVICER FOR MIDLAND FUNDING LLC : No. 07-2920 CIVIL ASSIGNEE OF WELLS FARGO BANK TERM Plaintiff vs HAROLD A PAWLIK Defendant(s) NOTICIA CIVIL ACTION -LAW USTED HA SIDO DEMANDADO/A EN LA CORTE. Si usted desea defender conta la demands puestas en las siguientes paginas, usted tienen que tomar accion dentro veinte (20) dias despues que esta Demands y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defensas o objeciones a las demandas puestas en esta contra usted. Usted es advertido que si falls de hacerlo el caso puede proceder sin usted y un juzgamiento puede ser entrado conta usted por la Corte sin mss aviso por cualquier dinero reclamado en la Demands o por cualquier otro reclamo o alivio solicitado por Demandante. Usted puede perder dinero o propiedad o otros derechos importante pars usted. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED NO TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FLTADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS. QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 CCP Notice to Defend W Br.A File No. 172679922 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MIDLAND CREDIT MANAGEMENT, INC. AS SERVICER FOR MIDLAND FUNDING LLC : No. 07-2920 CIVIL ASSIGNEE OF WELLS FARGO BANK TERM Plaintiff vs HAROLD A PAWLIK Defendant(s) FIR5T AMENDED COMPLAINT CIVIL ACTION -LAW AND NOW, comes the Plaintiff, by and through its attorneys and the law firm of Wolpoff & Abramson, LLP, and files this First Amended Complaint and in support avers as follows: 1. Plaintiff is MIDLAND CREDIT MANAGEMENT, INC. AS SERVICER FOR MIDLAND FUNDING LLC ASSIGNEE OF WELLS FARGO BANK, 5775 Roscoe Court San Diego, CA 92123. 2. Defendant, HAROLD A PAWLIK, is an adult individual with a last known address of 258C N Enola Dr Enola, Cumberland County, PA 17025. 3. An installment loan was issued to Defendant(s) for the purchase of an automobile. Copies of the loan documents are attached hereto as Exhibit "A." 4. The Defendant(s) agreed to be responsible for payment of interest and all court and collection costs incurred in the event of default. 5. Defendant defaulted under the terms of the loan. 6. As of the date of this Complaint, the remaining balance due, owing and unpaid on Defendant's loan balance is the sum of $11,262.92. CCP Cmplt -Auto Loan wo AF 4 W Br.A File No. 172679922 7. Pursuant to applicable Pennsylvania law, any unpaid or delinquent balance on said account shall continue to bear interest at the rate of b %. 8. As of the date of the within Complaint, the amount of interest which has accrued is the sum of $1,046.06. 9. Despite reasonable and repeated demands for payment, Defendant(s) has/have refused and continue to refuse to pay all sums due and owing on the aforementioned account balance, all to the damage and detriment of the Plaintiff. 10. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. WHEREFORE, Plaintiff respectfully requests this Honorable Court enter Judgment in favor of the Plaintiff and against Defendant(s) in the amount of $11,262.92, plus interest in the amount of $1,046.06, plus costs of this action and any other relief as this Court deems just and reasonable. Respectfully Submitted, WOLPOFF & ABRAMSON, LLP Date: 6 David R. Gallow Attorney I.D. #87326 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6751 Counsel for Plaintiff CCP Cmplt -Auto Loan wo AF 5 W&A File No. 172679922 ' fORMPA23~SLCiRev.3/031 SINPLEINTEREST ~~, PENNSYLVANIA O] / 23104 MOTOR YENICLE INSTALINENT SALE CONTRACT, aka ANN At FINANCE Amount Financed Total of Payments total Sak Price PERCENTA6ERATE CHARGE TheamounlofcredAprorided TheampumyouwillMwpaidaNeryou TMtalalcoatgyourpurchaseon TAe cost q your credR as The dgkr amoum tree to you N an your MMN. Mve made as uhedukd paymm~B. credR inrlydunyo~ownpayment a yeerty nk. credit wR coat you. q S lOllO 18.95 % = 8524.56 13810.60 22336.06 23336.06 t j j Ywr Payment jIAW uN will M No. of Paynems Amwm of Prymems When Paymlms Are DUe Sacurity~ You are gluing a security interest in the motor vehcle being purchased. i 336.41 Montldy. tx mlin 2 S N/A Preppmenl: II you paY oN eury, you will not have N Daya penally. filing fees: S ~~~ lab Charp: If a payment it kk, you wA M cherced 2%al the porkon al the payment xAich u uk tar oUl month, or part a1 a maM Doter Nan 10 days, 7MI it remains unpaid. See Mbw and any Omer Conhaq documents for any addiboml information about mnWyment refmtds and penaldes dekull, any required repayment in luR Mlort tM uMduleO date and prepayment meanl6Nmak In Ihs Contract 700 HR RTE 16 NORTH IF YDU DO NOT MEET YOUR CONTAACi the sELIER. BOB RUTH FORD, INC. DILLSBURG, Pq i7019 yEHilC1E A110 PROPERTYE THATYDU Names i Address _ ZiD Code BOUGHT WITH THIS CONTAACi, AND/DR You are MONEY ON DEPoSII WI1M THE ASSIGNS E. the euYER(s). HARDLO A PAWL iK 268C N ENOLA DR ENOLA PA 17026 Thin CanbaU is helneen Seam aM euye. WI Namel+) AoasesNesV tip Codelsl uNasfynlAnCaIN~iUtnygw~itwgn~se` If tMre is more then one Buyer, och promises, sepenkly old together, k pay all sums due ua and to perform ag Igreemenh in Ihls Conlraq ItdmiaHtM of Amount finiRted TRADE-IN: Gash Price 14674.00 You have uadee in 1992FOR0 TAURUS 1FACP5242NG126788 j the kgowing vehkle: Cash Mwnpayment N/A Yearend Make Oescriptbn S If a Oaknce is sties awing m the reAib you MK baOCd h, Ole Seller will pay oN Nis arrmum an ymr MhaN. You warrant and reNnmd k us That iradeln any trade+n n hee hour Isa, Uaim, enwmbaau g security imeresl, eacept as Mown in Ne Iremvahm o1 Ankum Fnanced as Ne "Lien PayDll' value of Tridal~ PROPFRtt INSURANCE: You may choose tM Dernn IArougA wAOm insunna n obhined agairtt Ion O damage to tM VaANIe and a¢ainst S a{1W.00 fuailNy ulsingouldl IBe ar awmrsAip q tlk YeRiUe.ln Ras Comrad, YdU Oe Dromivng k insure DkVehRh and keep A insured. CREDIT INSURANCE IS NOi REQUIRED: Credd EM Insurance end Credg AaideM a Health IDuabgityl lasumnce are rmt requirM to Main Uen PayoKln~_,__ red' tl a q Ifs e Ran wl D M pmvMed urdan rou z+Dt Mkx and agree k INSURANCE on IM reverse side. Your insurance certifink or polin Ourchased wig be k th t q N dN W ryy Ne adNtmrol rel. Please read the NOTICE OF PROPOSEh CAEDIt g xiU tell you Ne MA%IMUM amount q imunnce avaikble. AN irourarca Un S psid Cash Price BaDyagy, r e erm a cre e may reeeive a fuuncu . l hennfit hour your W rdused credR insurarra. 74 0 S 1.30 0 By signing you sekd SinSk Credit Lilelnwrance, WMI is pur ay wenuy. YDU alert Single Gedil c t 8 What is vow ~~ io CredB ImuratRe CamDegy a whkh cosNS N/A agey__Yers Hullh lnwrsmx. wheh colBt age7_Ye.rs j rW To Publk Dibuals fm: Slgmture of Buyer to MinsuredM jingle Credll Tile lnwrance SipuUlregBUya kha klwrd farjilBe Ge6lkadmrtB XeapA lmuranre Li:enSe, lags and RegiskYiD ~ By signing you Mm setCd loinl Wnat are Credit Ufe lnwrance wNCh cosnS N/A By sgning you Dam smecllabl Gedit N/A Wryt De pRcemaee kcgenld Heaah lnw an larn Cj ~ IG j r , ygrr egey? r ra, a <m ~ ywraees? toce ~ ° lien Fee 6.D g inwred a S 1. I. __.% v io __-___ag/ 'Y e S g SgnMUres of Dom Buyers to M inwrM ror binl Credit SgnaWres q Do1h Buprs b be imured ror hint ~ ~ s Uk lmumnce GedA kcidem aHeaAh lnwmnte A S r YENICLE: Ypu Aare agreed k•purchaae, Uncles the terms df thu ConhacC TAe lollpwing motor vehicle and ifs eAha equipment whicA b called TD___,~ ; tne'Yehkk' In this Contract j NS! Yeas aad MDAg Ssdga 99dy$$IC bg: Cltl. IfIES IDO9pas¢y SSdM NRmLat Aumuat Flmace/ 13810.50 USED 2000 fORD 11G 2Fi1DA5345 j NINDSTAR ., _ _ _ ._ YBBO3Q60 _ Fimnce Charce EquiDDed _ AT. _ P.S. _ AM~FM Stereo _ j Spd. - OfAer __ S -'- wah _0.C.~P.W. ~AM~FM gape -Vinyl Taq Togl of Payments (Iimf~a~celD6 ASSIGNEE: We may asvgn this Contract and Security Agreement to a sake finance romwny whkh rs tM'AYSi¢nee." N the AsN¢nee assigm S the fAmrut ld a sUbsepuenl asRgnee. the krm oleo refers k wch wDSlquem assignees kNet Ne assitmaenL all ngh0 and Mnefsts of the Payment teardnla -You agree to pay . SBNer in Ihis Contram and in The SecudtY ADeement shell hebng io antl M enlorceabk M tM Assi¢neD. The Assignee xIl notify you when to us IpNmounl Fimnced Nus intemu in and it Seger makes an aui¢nmenL 66bb MEMBERS 1ST FEDERAL CREDIT UNION 338.41 payments aF S each, real payment of COSIGNER: Any person signing tM Co-Signets Agreement Mlow promises sepantety and IogelAer wRA all Co-Signegs} aad Buyer151, to pay S ?4 I I atl sums due end to Dertormall agresmenb in tAia Contrut. Co-tiplar witl not M o Owner of tM Yahick. D2/Za:/ V W-0WNEA; An payment wiY be due on y person signing Ne Co-0wnm i SecurHy Agreement babrv tires us a security Inkrest h the Vehicle aad agrees seDRakly and ,and IAen paymmu togelMr wAA aN Co-Ownap) and Buyerlsy, m Dedorm ell agreements in Ne SBUrity pgreemenl old all DNer pads of this Contract except IAe Rrom4e k Pay' sacUOn. will be due on IAat same day DI each momA I TFRMS: TAe krms aMwn in Ne Ikres aMye are pad of this Gntract. blowing. ~ PROYIjf 70 PAY: You agree k pay m tk iqm Lk Price mr Bm Vehicle 6J makrry Uw LazA SECYRITT•A6RFEYENT: To secure Ne paymelll at all sums due and the ppaeNmmance of all Oowlpaymem and asdaning tAe Tradeln, ilsMwn above, ono Mkrc SM desk qtly CpnbAAald reouned obgEadons abler leis Contract, you Drees saurAy inkrest in TM YehiUe,Nag payk,¢ w the Amwnt Fwaud Oka kvarsst. you pmmise k male paymmb In auardans rdgl Uw N (vied acceviansry altuhad k tAe Vshek al any Ukr time and in any proceeds of PaylwM Schedule. Yau Promise b make pamlenR an q Mkre the Rme day of each mmN as me "'! Vehek, hUpNnCQ imunnce prared3 the AniptM may selaM any, amounts due aad (rR payment dm 4b. You a@aekpayalolAer amoun0 which may Mromedue under the krma pre aid under this COmract apmst any of your money on deposit pdh Asvgnee. Th'a of Ne GDUaet Yau agree k pay IAe Seger os AniQMe cos0 0l sun. You oho agree ro pay IncQuoes my money ~Aich rt aox N may in tAe (muse ce detkBkd wnh Assignee by you. rOmnahk amrrcys' fees B Se4r or Atsi¢nae hues an aNNmy k cUM amounts due undm Ihu ~N68 may do thw thaut any pMr notice to you. _ CantreUgkptokm Or eM pofiGSkngNA YeAidt. You aDeekmake paYmenN rtme MRegk ADDITIONAL TERMS AND CQNDITI ~ H R TGO INU NT AEV E Rnd paymadskme adtlrPSS wAkA dk Asspnee mOR recently speafcesm Ne wmhn nmukyNt FRONTAND REVERSE SIDESO AIL THE TERMS OF THE LONTRACF WHICH APPEAR ON THE By tlgnmg Mlma, we agree to sent tM vehicle a you antler the Terms of tma GMract NOTICE TOBUYER-DO NQpT SIGN TNIS CONT ACT IN BLANK. YOU ARE ENTIT D i0 AN E%ACT CfJPY OF THE CONi CT Y SIGN. KEEP IT TO PROT CT U GA dGH SELLER BOB RUTH f0 INC. BuyE ~ 01/23/04 _ISEALI _ 01123/0 hits - BY. BUYEF , SERI) Bate oa. COSIGNER: YOU SHOULD READ THE NOTICE TO COSIGNER, WHICH HAS BEEN GIVEN TO YOU ON A SEPARATE DOCUMENT, BEFORE SICNfNG THE CO•SIGNLAS AGREEMENT. COSIGNER5 ACREEMENT: You, tM pcraon (or persons) signing below as "CO-Signer,° promise w pay Ip US all fume due on this Conlrut and w perform all cots in tAis Comrm:t. You inKnJ to be legally bound by all the terms of this Consra<t, separately amt [ogelfset, with Ih< Buoycr. You are making this promise In ni dove us to make thu Contract with the Buyer, even shouah we will un tAe proccWa only for the Buyer's benefit Yeu eg e t pay Ifiough we may not have made any prior JemanJ Per payment an the Buyer or ea,.rcisM our sccunty mtereal. You also acknowledge rccerving a cnmplscd copy of thu Cnntran. __ (SEAL) Co-signer's Signnturc Address Date (SEAL) _ Co-Signers SrcnAlurc -- ---- Adtlress ~ Dose CO.OWNERyi SECURITY AGREEMENT: Yon, she person signing Mlow u "CuAwlxr." to¢cther with lha Buyer or otherwise pine all of the Owness ol'tM Vehicle. g~.c u. a awu,ny ,n+crus ,n sac vcmcx socntnlcu awove, gnu agree to K DpunO py Inc terms M tM Sawlty Agreemtpl and all Other pans of rAis Cpnlrsq a%tcpl IM °Pramire T'o Pay sxtion. Yau arc giving us the mcurity interest so inclose us m make thu Convas with tM Buyer, and Ea sxurc the payment by the Buyer of all wens due on this Contras. You will not M rppannble far say deficknry whkfi might M Sue afttt rcpuseasion and Sale of the Vehiek. _ (SEAL) Co-0w crY Signuurc Addre ~ Dat ~~, GN GNINGC ~NER, AS APPLICABLE, ACKNOWLEDGE RECEIPT OF A COMPLETED COPY Of THIS CONTRACT BUYER COSIGNER COSIGNER ORCOAWIIIER NOTICE: SEF. REVERSE BIDH FOR IMPoRTANT INFOAMA710N. &NWNAIMER yAD~RC Ikr.lresl anmalnl.wYaa•NYER CDIP~Cxary•IpRRMERLCPpmwA'SmwE~NM•Wm'-Dawawae aural BSNmwSUMFa SeAYIR.UK ADDITIONAL TERMS AND CONDITIONS 1. HOW THE TOUL OF PAYMENTS IS COMPUTED: The Total pf Payments B Me sum d DN choice of wAdher Br rat to advau ant money for these purposes. Such insurance wNl M Amount FiMnced and the HMnG CMr{e. The FiMnce CMrge wlmsU mklY el klerat limited la an amount not greater tMn you owe on this Contract. THE INSURANCE WE wmisukd dWy an the ouhUMing bdance d NN Amount Financed. TM FiMUe f~lYrge ~ • PI11lCHA5E MAY BE SIGNUICANTLY MORE EKPENSIVE AND PROVIDE YOU LESS fAVERAGE uown w me front title Ms been wmputed on tae assumdion that we will recmre''all "THAN INSURANCE YOU CAULO PURCHASE YOURSELF. payments on their scMdukd due dates. We will atl0 any money we advance w your Mhalf to Me Oalanu an whin we impose 2. COMPUTnG INTERE51: We toff charge Interest an a dairy bash on the oulshntlfn{ finance CMrga at the Annual PercenUge Rate pf ems fasdnd. YoRa¢ree m mpay tM brtauesubjedmimercrt On uu day Wthe q+n krm,iuludirm any perk0 br wflkh+hle moMyadvancetl aswe oboe may specYy:(~immediaUty on OenwM, or (il abri[wiM your cMrge B oleo imposed. rM daih insrrd nk B egwl m ON Annwl PercenUa Bak divided manlryly payments. U we choose m lbw you m repay tlN money aownced along with your by tM number al days in that cakMU year. Buyer agrees Mat bwux iMerart n ulculalm on + daffy oasis Iakip+wniJA; veto rewN W addpaml mterert Hna it appli«ble + kte monthly peymems, we wn chore UN amount at (hem WYman6 and Mw long you have m , , charge). EaRy peymenU all result in lea interest bdlrp cMrgM. EarN antl/or kk P+YmenU repay. II arty d eve d{h6 rioted in the puagnpA are rat pormited by Uw, we aAA Mve Me MMr dgAb menlbnetl. Our payments on your 6eAeN wgl rat cure Your faVUre b perform wiA cause tM amount of Me IiMI payment m uan{e. your premums in th6 ComrscL 3. UlE CNARBF: Royer agree m pay a We charge ror any paymeet not made within 10 days after i6 dugjkdAgNk eMrge will be 191 per month pn'MgypnD+id.lmouM d Ise y2. pEFAUtT: In this pangapA'7ou" means the Buyer, Co~Signer and Co-0wner, or any one of th m'i Yo in "Default" of th t:B m WJMiolbwia th!n CoM Dim NlW:ti payment We wig ronsitler my paA dl a nroMh ie aces d 10 Says m3A'a Fuca month. The e nny ¢ gs e u e ru m ore Mpun ' ' ' kle charge will he Ow when earned. No kU cMr{e will M tlw N Me reams IMI tM p, you do sat male eny payment on or before RBduC or payment k kte B M«ux, aner debug lM ware outsUotlinQ Daknce on Mrs GDMrmI 15 due. No Lek cMra wgl M due it tAe Dory reams that me payment u late is becaum of a kte b. Yau des rot keep any promise you made in th6 Cantraui or cAarQQPee asxssW an an argar payment A r. You do nM keeD any promae you ma4 in awlMr CpntrcU, Nok. Loan or Agreement will Seller m ASS; nee; m bPnteGasq ant tlN b kk cue Wig apply OaYmen6 in lM blowing order of primary: Tinl vas, tea, pduipal and any Wher amounm you owe in ~ d:; y~ maEeuny unRw stakmeM 7n IM CROd abpkgaYNil for this CoMwck or r the mderlMt we choose. e. You commMeO any to UUII r{ery in connection with BC4Mract or S P0.EPAYMENi: You may prewy, in full m in pre IM amount owed on this Contract al any L You dk, are cmviekd d a cane involving hautl or dshdhggssrlly, or are round by a coon dh d m d k M i rJ b dl tM time without penally. If you pnpry Me Contrad in part. you agree m cenemN m make w on o m n«pa ; or „ . wrn a a re¢WaRy uAeduled paYmenU until you pay aN amourlN tlpe udder Ihw CaMrad. iA6 will ¢Yau tiles banYruptcy or inmlvency Proceedings, err anyone files banNreptcy or reduce lM namMr df twymerl6 you veto mall, iMONenry proceedings apinN you; or ~NrAly{gg, A. Ypu kke lM VeMck DWSidetM United SlalaaCaMda wiMOWaur written wmen4 or a. WAIVER BY SELLER AND ASSIBNEE: We antl Assignee waive me right to trot any L Yau ux Me VMide m avow someone else m use a in a way tint cauxs N not to be propeM a xcslnry for the repayment d m6 CanlncC acepl ror UN Yehicle antl Me o1Mr waved by your iMUranu; a - xwMy spedficaAy mew IA 1MS Control 'u r i'. ~' T ~ :~" JC F Ypu tlo sa^emlM Mat «usa tae Yerkle ro ce subject m confBCabon by gowmmenl ~ D. wAlYERS BY BUYEq CO.516NEt AND~O-0W1IlIEq You a{rN td m11y ai peytgenh(oq I ~ ~'~ M S' m berme they are tlw wi11aW ovr MWrrg m 49L Yf'yw donY we msyvsnkrDe'our idh6- I N venkk B lest rtokn, destroyed 81rTsima{iaTtidy4nd?ec6nomcal repair, and mt wataul noRfying you in advance. You glee uD +nY n{ht you may hoe m require shat we fined orfound wsYhin a ramnebk Ume; m enlace ow rghU against mole Amer perms m DroDeM adore we edorce our rghU against I. AnMAer creditor hks m Uke me Vehicle m your money u depose wpb Assignee by you. You agree IMI we may eke uD om ri{hU aplmt some other_persm but not agdrlsl yoq. You waive tlw digence in uWcMn +ntl +N deknsa baud on awdfsNy and impairment M hat-Dropea. 13f WR~RIOHTSUFIYOU:ARE;1N DEFAULT OF TNI$ GQNrAlH35Aymu are in Deladt W this collakrcl or tawdry. Contrail. we mry eMOrce our righU awmdillg m kw. We may aHO do Me Mina spedlkahy 7. INTEREST AFTER NATURItt AND JUDCNENi: Interest al tM rck DrarWeO in MB mentioned n tNs fantrcct We may do one d Uwse Nina and at HN mme Nme or kkr do Cpnlrcct sMlf Paatlnw b accrue an the wpaid baknce until paid in hAl Bran.aNer mamriry another Soma of me tMna we may do are the Idbwing end/m anm we pt a jutlgmenl agdnsl you lm the amounts due. TAB wW aptly even a the a. ACCELEIGRON: We «n demand tA+l yes pay m us TIN entire unpaitl MUnce owing matGRty.ouuTS~tkuuse Pt accderabon. II at any time inleral as DroYideO for in tAjs on tAe Gonpadan0 aA unpb FnarNe CNrga ant WMr molly due. You agree tMl you wUl paragraph is wl permitted by kw, interosl sMN accrue at 1M AiQMri ph dbwed 6y ~ pay thh matey b us moo svWle pYmwtimmedjiUly upon receirintwr demand. aDDhcamP law beginMI~rimrttime BS xa~tDy"E<"i.b•RET'OSSESSION:LwdlSge'depoaess tM Vefikk~dNeapotlidkd Dy kw. We can do B. YOUR PROMISES ABOUT OUR SECURITY INIERESi: You wW nM perms arryork otlNr MB wrselws, Mve a quaWN6 person do h for us, or Aare a government oOaal.(by repkwn) Man us m obhin a xcuriry iwtmesl or MMr righU in 1M 4ehiUe. You wUl pay aX feirp tea do it mr us. Yw agree tlNl we cen pacu64J Dame on m your property m do Ih6. We may necessary 7m us b obUin and maintain our security interest in the YaNCk. Ypu win aaBt w Uke any omar things Iwntl in me VehidR bW wN rdurn them lhina m yw i1 you ask If you in MWIW our security intereri nded on tM CeRifiute d 1iUe m Me VeAde. Yw wiA sat seN want flNm INngs Mck, yon may rukim Urem wimin Uurfy 130) days of our maifng you a m giw away the V~kI,e~H,soJneone WU a Ike pn the Vehicle, you wN WY tM oMalion and No&e d gepouessbn. If you do not rulaim IM INngt laund in Me Yehjck withb that time, dew the Ike 9. YOUR PROMISES ABOUT THE VFNICIE: You will keep tlIe Yekek in and wMiUOn and we may tlBpox d those Things in 1M same manner as Me motor whkk You agree tMt we may uu roar Fcenx Dkbs in reposxsdrW tlw Vehicle and aW~ a to a dace (or sronge. reWk. You win pay aU 4xeripd cNrga w tM Yehck. You wyl pay all rosU of maiMainmy c. 40LUNTARY DELIVERY: Wa c+n ask you to {ive us tae Vehicle al a reasonably Me VeNCk. You wAl Mt above tM Yehkk or permN anything m M tloM U Me Vehicle whBh unrenknt plug You agree to Da w Me Yshicb if we ask win Juluce its vela, ollur man for rarmal rear ant um. Yw will rid use IM VeANk br iNegal~tllsippses br.mr hire Dr kax. YW wAl MI mow Me Yehick Irom ytluradtlras shown On d. DFUY IN ENFORCEMENT: We can deky enbrcinQ our rigMS order Ihk Contract RA t L i i h6 Ma front of tn6 Gontrad to a saw permanent d+ce of parapng witlaut notifying w in atlvanW ou ng any r g or 14. SOME THINGS YOU SHOULD KNOW IF WE REPOSSESS THE VEHICIF: 11 we reposxa 10. YOUR PROMISES ABOUT INSURANCE: YOU will Feep the Vehicle Insured apinri firt, wghoW using a government aeidW IM replevin): a NOTICE: Wes wN Sefd you a Notice d flelasseaionmyeur kstiid"drea we kMw aM11L 1MN and wYision un1N all was due w am gam in full. TM iwunnce coveraa mull1..he mtwleLmry m w atld Drolxt yoYr IMerats and Opr Inknsh at MG lime d any lapred Ma 1Mi Notlce vent k0 you how U buy boat Iredorm)1M Vehicle. Yw wiN NOT Mw tM right m TM insursrNe must name w as ba-Deyor` on 1M pogcy. ill iaunnu must ce written by remri+k 1M LonUad This mall you wIY Aave m pay IM trial Drtance u IMWMacI and +n msurcrae company gWldktl m dd hwiMSS b Pansylvanta and gunned b sap kawrcnce WMr amounts dve. You may wl gal Me YMide Mch by paying ddinpwM imUllmena. TUs 'n tM sk4 where 1M VeNCk B permaMnOy {era{M. Tae iaunnce DoEEa' must provide us NoAce wit! kV you atMr infmlMtbn relWircd Oy kw. wpharlead kn p01 days-rbr wdOtn nonce d any nnceAalioa or redildtnrl in coverage.On request Ybu sMg Oeliwr tIN olic or other eritl nce Bt inw nce c wn t I tM 6. REDEMPTION: YDU Mre the right m burbaU (redeem) IM Vwkk w¢lun 15 days at NN maiFng d Ipe Nonce ono al ant later time adore we sdl IM Yehicle. If you redeem tM p y e ra o ¢e o us n event of tae ba or tlwuge m tM Yehick you wiN immrobkly wlily us in wrailK and lik a Yehicle, we will deliwr the VeAide m you at a pbce as prov"bed 6y law, as soon a is prod of;ba wnh tM inwrer, seasonally passible, Wf in not mom Wn mn poj Owirka days of our rluipt d the funds a. DUR RIBMT TO FIIF PROOF OF LOSS: In me even) of any loss or damage U the required. It you do wt redeem, you giw up+N data to the Yehick. vehbk, jr you tail or velum mfile a dean w Ww/ W less wah Me insurance cpnpany, you a SALE: It you donT redeem, we wig xY tAe VMick. roe molly received rt Sate w18 be +{reedhat Nte Sdkr, Assignee, am( subsepueM+UiQnee, err arty aWMriaed empbyor of arty wed to Day cosU antl expenm you owe, and IMn m pay TAe amount you owe on the of them I`we~ may INe a Drool of bas wnh Yle iaunrce company. in your name and acfing ConUact as your agent frith 7espedtfo the inwred ckim. You agree that you do sat haw NN right m 6 SURPLUS OR DEFICIENCY: It then k money kq we rdA pay a U Me Buyer. H mere is rnd;will.i6rt}cake Nk power yw have given us b fNe a proof al bu. Yau agr» that we may thi m k h fR f i not ewugh mocey from the mk 1o pay woof you owe, Royer and Co~Signer agree m pay ante eaer u s Borer r our eM or your benel l, excel as prtrided in this ant nM Conlrad and by Uw. . b. W R RICNT TO ENDORSE INSURANCE CHECKS: You a{ror IMt lM Seller. Aaiaee, ' ' is riall awed to us e. EKPENSFS: You agree m pay IM cosh al repossessing riohng repairing Preparing for sale ant sdyng Me Yehicle n m+y be dbwed by kw. ibex coals veil onq he du d: any sutNequnl asi{nor, dr an aullloriaetl empbyee d any of Mem 1 we I may endorse your 1, Rlauh exceeds fdken (ISJ days at tM lime of reppsseadom, nNpeyectrpg }s.Ywr agent tD any cAeU, Bran err other ilMrument we roceiw in payment of ' 2. ill amount of costa m actw4 necessary cad reamnahk; ant ad jlrSUfeC a oy refum d in5urah« premiums. Yw, t M tat Mre th¢ right k and wiR not rerphc IM power you base given us IoTlrq -' ~e or5ement You agree IMt 3. we can prove IM mdgy,!re paid. s' ~ 15 HEIRS AMD PERSONAL RE-RESENTAiIVES BOUND: ~~rr deila'Lh6 fadtracl shay ' °J wem e4erdbe lUS werfm our beMfR aid not for RsPDe V , W 4Y, n~,quePluprovided in UNS -~-.__'. . ~ T , be enforreaAbkkaNinstyour heirs and caravel reps `sanldmes pl:ybur eskte. c USE OF PROCFFdS: We may aptly arty insurance proceeds we receive ro repau or LB. dOVERNINDUw: This CpbinclBb k intarpreled uceMingto IM kw m Penaylwnk. eplMe Use-Yehicle if, in our opinkn. it is economicaly seasihk antl you are ntl Men in lT. SEYERABILITY OF PROVISIONS: II for airy reams any paR of m6 Cpmrut stop 6ecanle dcfaUR Rh6'Cdntrut MMrwke. we will apDlylM iaunnee DnaeNSto educe Me unpaid royal. voW or unentoreeabk, that uRthNl not heagRat MB CaMrsct. bdaltce tlw ux AtMlM Mkncedue vets paid, any excea wNl6ebrpmwu. lB. ASSIGNMENT BY BUYER: &s shall velawgas Oda Control II.OUA 0.16X1$ IF YOU B0.UK YOU0. PA0415ES ABOUT THE SECURITY INTEREST, i9 THERE ARE NO NARRANTIES BY SEVER. EpPRESBEO OR IMPLIED. INCLUDING THE VEHICLE OR INSURANCE: If you_fkl M keep your promBa m pay IigrO fen, Uses, liens or WARRANTIES OF MERCHANTABILITY AN0 FITNESS FOA A PARTICULAR PURPOSE. me oaU necamry m Peep the weNCk in gw0 rorddwn and report, we may atlvarwe any UNLESS WE RAVE GIVER YOU A SEPARATE WRITTEN WARMNTY OR UNLESS SELLER 'wmsreV'YadordlreeC'tb-paY'.-thyop'MsYbluep your promBa ahdpl`requirM Msurarrce,"~ve' ENTfR51XT0 A-SERYICE COMTAACTNITN BUYFR'NTiNIN'90'OAYSfROM"iNE DATE Of may a0wnce mmNy to obhin brsumrroe to cover lea pr darnaa b the Yekek. We saw the TNISCOXTRACT. Buyer's Guide Window:$ticker. If the Car which is described an the face of this Contract has a Buyer's Guide Window Sticker required 6y the federal pT~y~de~Cpmmission Used Car Trade Regulation Rufe, the following notice applies: " ' - The information you see on tfie window form far this Vehicle is part of this Contact. Information on the window farm overrides any contrary provisions in the eorlinct of sale. NOTICE-ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO All CIAINS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH iNE PROCEEDS kEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHAtI NOT EMCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. NOTICE OF PpOPO5f0 CREDIT INSURANCE The srcnerUl M this Contract hereby Uke(z) nWi« Thal Gmup Credit Lih Insunn« uwnge err Croup Credit Acndenl and Oiubility Insurance avenge will u applkabk m th6 Contrctl it m marked en IM lronl 01 Mis Contract, and each such type M corer+ee wiA be alleles Dr the insurance company Mmad. Th6 imunnu, subject ro accapknce by IM insurer, tortrs only the perms m pavans signing the repuett for such insurance. The amount of cMrge is indkakd br euh type of Credll laumnce m M puuhaxd. TM term of insuancee win commence es of me tlaU the intleMMneU iS incurred and will aspire on tae original uheduled maturity ale of Me irde6ledrroa. Suhiat m uuprancw 6y tM insurer and xHAin 30 days, there will be delivered to the insured deblprUl a cerpficate of insurance moo fully demihing the inwrance. In tM event d prepayment of Ihn indehtednns, a refund Pt InSYraI1Le LMFQES will bG mad! whw DUB. NOiICF: SEE 07HER SIDE FOR IMPONTANi INFORMATION THE PROVISION BELOW IS NOT PART OF THE PENNSYLVANIA YOTOR YENICIE INSTALLMENT SALE CONTRACT Bf1WEEN THE BUYER ANO SELLER. ASSIGNMENT . To Induce you, the "Assignee" iOenBfkP on the Ute of Ih6 Contact or es follows, ____ (Wme1 ~ m pumAase'me wahin ComrccL Me Seller hereby naronts and rtDrewny ant conanues U warrant ant repmtnt IAat TAe sale Ms'IkYn maddi0 Ttrkt yodfmmjtjryiM all appgea0k fedeN, stale and but lens an0 repWaoM, including Out not FmUM tD, Mille 2 of the Penmykanu Unibrm Commem6l fade D3 PN. C.SA §¢1701 et n!01: wr tiNe M tM Contnd aria tM Vehicle covered IMrcby Is aWOlule, bee of tll liens, encumbrances and xcurRy irdua(tSs,yrd B SuDlatt only m the righU 01 lM Buyer as fEi tORh IMrein; the Eenlrad is genuine, me signatures IAerorn an not lorgerks, came Irom the sale of tAe Vehitk therein tlemRDCQ,-aM NI paRies IlstrBto me d lay ape aw htl.«p+dty to contrdt'Me.deSUiplbn or the YeABIe antl extra equipment is umpkte antl correcS UN ash downpaymenl and/a tradrin albwance were +dwlly received antl rap paR Iheriof rod5isktl at ndles,'pa4tla[ed chugs, other credit advanced by us b Buyer m rebates a .umaar payments Irom us to the Buyer jhowera manuhcturer reMUS nay wnslAule all or a paR of tM downp~ymenq; all wuranties and riatemenU Merein ue trw; mere is owing thereon Me Amount Financed plw inmrat at the Annwl PercenUa Rde of Me Contrad xt toll lAereln; we are dory IkeMed under the Pnlmylnnk Motor VMide Sales Finance Act and have duly umplitd with all requirements merorl with rapat m the transaction and aim IM hdercl irulhin•Leedinp API and wah eny other ledercl or slate Uw, rule m reguktion apdkable 10 the ConlrecU a mgtor while IRk «rafiute Stowing a lien or encumOram:e rn Uwr d AUignor Ms been or wd M applied for promptly; (M regidrcpon of the Vehicle nos not bun wspended and TAe Seller Nnows of no facts wAiu may result in elk wspen5lan of Said ryi5haD0h under IDe Pennsylwnq Motor Vehk4 Fimndel flesponsibilay Ad; the Buyer(s) Mmetl in the within Contract B (arcl perSOneNy krwwn to the Seller m be me same idemiul personhl where signabreW B (aril +Maetl U Ih6 Contract; ant Seller Ms ra knowledge W feels impairing IM vaudily or vamp of the Cmeract If any such wanantks or repremnUlions sMultl M meuhed rt any time, Seller shall nourchue said Contrad from Assigaae, on demanq and will wY lhereloq in cesA the amount owing IMrron, romDUled asset IoM baba, and mid remedy shall M eumulatiue and ntl exclusive, and shall not anecl any olAer rphl or remetlY tMt Assig«e might Mw al Uw pr in equity agaiiwt Seller. In tM avant lM[ Buyer tails or refum m make eny payment tlw herernder oa IM axRion, eitMr oral or writkn, that Me Vehi 1e i6 delaclire, nnl at represenlM fo IM Buyer by Seller, wr 1M1 Seg~(town tp Mnor any warranty Pr xrvice agreement of SeMr or manuladurer, Seger agree Thal on being atlvued by Aaignee of verb aka W Buyer, Seller will repurohax 1M Conbad boa Antigua and Dey 0.ssigrke for same immediaklY in amordanu with the repurchau krms sd lorth Mlaw, ant Seller furlMr agrees to hold Assignor Mrmlas tram any oMer claims of Buyer, including anerneys' fees, cosh ant exuMas incurred in deleMing against claims auded by Buyer and inchding ckrms br rdurd o1WYmeaU mme ay Dwyer to Assignor. If the Saver wmraeU to Durchax Droperty insurance on heNN of 1M Buyer, antl that insurance a unceMtl by the Inwnnu company poor to as scbeduke eapiralaon desk. $dler will attempt b place wmperable rovena with aMlher inwnnce tympany on beh+N of tM Buyer. II SeNer is uMUe m do m, Selbr wiN edify Borer and pay to Buyer aIW addabnal wsU incurred by Me Buyer in obkining redaumenl iMUranu far the unespirctl periw of IM original insuracee notary. By sigking ant dating tM Contrmt u Seller, eegwring the Contmd tp the Assignee and awephy payment Pori( SeNer aulMnan Me 0.uignee to ad n the Sellers agent for the purpose of comdegn{ or urtealing 1M idenljliulbn of the Aaigdor in ties Aaynnknt b reflect Ike Vw AUigcee vent purCAesed TAe Cgnaad and/or br the Durpox of rigreng Seller's Mme to m6 Arslgnmenl wiUOUI recourse, a 1M 0.ssignmema dsfiwred wahpu! the SeUe/s signature. Assignor may eaerrue the power given in IAis Dangrcph for tM Mnegt pf IM Assignee and not for tM benefit of the Seger. Sher clan nM Mw tae right m end agrees not to rewke tAe Dower given in tlNS paragraph. In Ne evenPlM( Seller B required hY min ASSignmert b repurcMx IM Conlrccl ell/or YeAicle.5eller risay pay to Aai{nor, in caul, the IWI unpaid Mknu of the Cantrut u o11M date of reWrcham, plus any then earned Finance CMrge cad any antl ere ro5U ant eapeMes paid err incurred by A551pAee m raped therek iadudiy reamMbk aHorMys' lees, in wnrNClirn wilA Uaims OY m aaiMl any Buyer, Owner or umpM in poaessim d 1M Yehck and/pr by or apinri Sella. For value rewired, Seller hereby xM, asagM antl uarMers unm IM Assignor. +k suueuprs and assigns, the within ContmcU all moneys due and m become due IMreuntlm: and ell ~ght. title ant inlerari in and b the Yehicle [herein tlemdbed, wNA tuA power in tM Auignee in its or our name to Uke sou kgrt or WAm acorn whbh we might Mw Uhen save br UB AaignmenL Unless Salver works eHMr of IM endmxmenU below, tilled 'WITH FUII RECOURSE" or "WITH REPURCHASE," Sellers sui{nment sMll, except lot IM DrovisbM d tae Paragraph tWed "Araignmenl" be wAhwl recourse. O WITH FULL RECOURSE-Seder agree That, in adtlitbn to the panQraph above titled "AswgmmorL" in tM oast of delavll by Boyar in tM full pryment on UN tlw desk mered el any irwtrtlment payable canter tM CoMrad or In me prompt perrormaue of any Omer oDligabon to be perrdrmN under the Comract by Buyer, Sedm way, an demand by Assigrke, forthnith repmchax the Conlrad Irom Msignee br a npuroAax DHU. in cash, cmnpuled a xl IoRh euva. ^ WITH REPUIICHASE-Seller agrees WL in atltlition ro IM prowsbnt of NN parynpn aDOVe lived "Avwnmen4" in the even) or any tlefauR by Buysr which sMll rnG14 Assignor tp repoans tM Vehicle, SHler will, it tM VeAide i6 repossessed by Assignee antl dellwred ro SeNer, aw walkout regeN tp UN tMn wMilbn pl IM Vehble, lorthwrth repur<hax IM ConMCI and the VMkle hom Auiwee br a repurcMx Osiu, b cash compukd as xt forth above. By sknin¢ below, we agree m Me terms of TAe Awgnmenl. SeNer __ gy __ W1DnN9WYRfoRMn nscwr. vml Dak CERTIFICATE OF TITLE FOR A VEHICLE X865 04l351~ I]t~15D00 30>2--001 2FMOAS345Y88t1395t] VEHICLE IDENTIFICATION NUMBER SiI ~ ~7 f BODV TYPE DUP E sEAT cAP 7/31j?2 ~ 3/10J04 DATE PA TITLED DATE OF LSBUE aEOISTERED owNERCSI HAROI.U A PAMLIK 2560 N CNOLA DR ENOLA PA 1705 FIRST LAN FAVOR OF~. CAPITAL UNE AUTO f I NANCE 200D I fORt? I 57747919~D3 FA YEAR MAKE OF VEI'ACIE TRLE NUMBER .. IN ~ 3/DDlfl~l~ 0~19957i 0. PRpR TITLE STATE ODOM. PROCD. PATIIIE DOOM. MILES ODOA1 STM1b UNLADEN WEIGNT ~ OVWR 1 GCNrR ~ TITLE BgANpS ' 4.,_,~~c ,~alff of 9dr ~'~ ~'{; LV' ~IU+nmryNOl.T+~RaPor{at-hrr •~ fiR87 llETl RELEASED ' DATE BY AUTIgRREp AEPRESENTATNE 1EARWD AOD11E88 SECOND LIEN FAVOR OG _. _ODOMETER lTATUB 0 . ACTUAL Yy,EABE t . YIEAOE EXCElOB TIIE YEQMRCAI LaIT4 9 . NOT THE ACTUAL M1iAOE S • NDT TILE ACTUAL IaIEAOE~pOIEIER TAIEPERyp VERNED A . EXD/f RAOM ODOMETER DIK'l, GB11RE TITLE BRANOs A - ANT1041E VOECIE C .1XAEEIO V!1/CLE D . ODIIECgLLE VBNCLE I - tlVr OF COURIM G . ORIdNALLY MFOD. Tpi MONdI.B DIBTRIBVTKIN N . AGNICLILRNWI VBNICLE L • LOOOYI6 VEHICLE P . 18ArlAB A PDUC[ VBIICIE R . RFDONBTRUCIED 8 . ETRB'T NOD T . PyCOAIER~ TNH'I VetaaE v . VEHICLE CONTA^L4 RlIEaUED V W w . A000 VEiMCIE X . IyWAB A TAXI R ^ e^ctirq Mrggp^r a E^I^tl uPOn atli^tacifon d EI^ hr^I p^II, M hIM N^rVra10^r mlrl lonv^IA tly TAN 1o tlN Bureau d M^br V^Nic1^a wM 1M appopriw lam ^M h^. SECOND LIEN RELEASED DATE B~ AUTMDRIZED REPRESENTATNE CAPITAL UNE AUTO F I17ANCE PU l3UX 25605 SACRAMENTO GA 95965 v V A~ Y ^\ W ..~ J-s^EY as d M ~ d YNII^. w dlloW IaODIE^ d ^I^ P^I^rYIwIN O^p^I^^^rt d TlrypMhon r^Ilq Wr R+a Mr^anls; w oomp^rry n^mstl Mnul i^ m^ N.RNI own^f tl 1ha aria valYrl^. > MID sYrDEw ME: tIr urr.I^ra R.+s. ,.,,w ~or..w w c.n+t.r ~ . ~. +..„ ..n... ,w~.a.~ ~^w.. nAlln a ^i. ^riewnti¢w W atir .pM ~+a.-n ..~ win ,•~. BgN.fWE t% APRCUIf OR /uMpY7r ~~ SIG4rn ^AIlMtVPE Or WA/RILANT~TiSIE O+: AUTN(,RITEy ^IdER ALLEN D . flI M_F L61! ~.~.: SaeEElry d TTEB*EIMYIa II i OO•pYTC11EEM oBIM EIEn y01E EpOUEB M IEled olld yOY EIBTII r1B WB b bs 1MStl as 'JOinI 7anerss VViBt F{ipM a BIwRIaEIYp• (On IMerI a aM owner, MNI gosa ro aulviYfeg owrar.) CFIECIC HEREQ OlhetwlN, M /IB wN bs IEEUed BE Tensnls in Common' (On OESYI a anE owTlEr, YMnEt o1 dsoeswd owner pose b IIIU11a hair^ or sseEla{. t8T L1WI DATE. • ~ TLD UlIR gEECK O . tST LIENHDLDER STREET CITY STATE 21P FINANCW. WSTiiUTION MlA1BER 2N0 LIEN DATE .• IF NO lE]i, CK+ECIL 2ND LIENHOLDER i STREET CITY STATE ZIP FEMNCIAL WSTRUTpN NtNlER .:Jan 13 03 04:37(0 p . z 1, i avro fINANCE_ ~_ Book Out Worksheet Deafer ~JO~ ~~ , Y \ ~y~ Contact ~ O 1J~/ ~~ NtpFY,~r Phone ~ 1`} '~`1'3~..- ~ ~ ~~'~ Fax 1 ~ ~ d~C~O Customer(s) t~,~~.~~.~~~i~ SS# _ Year d L~ Make~~~ Model W i ~p 5~A~2 ~~'L /(~} r //~~ l ~ r~ StyleNVheef Base (firt-c~c) Vin # o~\"Eho P'\~3 ~1`~ Y C7~ o~3C'1~ o a} Selling Price = b) Cash Trade = $ 13 ~q0~? a} BQOk Out {Used Only) {[Yo Van, Truck Conversions or Cumrnervial Vehides} $ b} Basic Book $ Ia~a•50 $ ~ , o00 d) Factory ReSate = $ } Total Down Payment = (Doan Payment min. 10°l0 or $100D Preferred 8nd $1564 54andard of Selling Price) Maximum Fron# End Advance = g} +Tax= h} + Doc. _ i } + lag 8 Titi e + Service Contract = 1c) +GAP (Maximum $350)- m) Amount Financed (LTV) • 'add 1"u;es (f+g+h+l+j+k+!} n) Terms Desired o} Terra • p) APR Desired • q} Monthly Payment c} Auto Transmission $ d) Air Cond./Dual Air $ e) Power locks $ f) Power Wlndaws $ $ ~ , n c34 ~ . g) Power Seats $ . h} Cruise Control 5 $ `a,o1C7~ i} TiitSteering $ ;j} AM11=M Cassette $ $ ~ ~ ~ !c} CD Player ~ $ 1) Leafher Seats $ $ ~j5 m) Tinted Glass/Sunscreen $ • n} Custom Wheels $ $ $ ~. 5~ o} Ass $ p) Trim Package $ r) $ $ ~ a ~ i 3,~ 10 - z~ ~D ~ 33~.~~ i i _____ ~,©, cab _ s} ~ t) ~ u) Sub Total S y~,3o~ v} Mileage ~t q,gg~ (76,000 Max Mileage) w} AddlDeduct + - $ -~- ~~ S x} Wlwiesale Book V2iue $ of l o ~ C~pif~l i~• oz rovo2 Jan 13 03 Q4:86p Cap~tarrQp1e aura I+1NaNCF.. ~~Z.TARANTEE t)~ TI"I'I,.~E ._ ._ BUYER NAME: ~~1~ ~,I; k _ _. _ AbDRESS: a ~~~- r.~ ~ n~o~ a. 2 _ AuTOMOS~LE: ~ ~,, ~, ,~,~sr~,~ ~~ VEHICLE VIN #: ~ r~,~53 y5 ~0 ~ag5a MILEAGE: `~1 ~ , ~S S DATE OF CONTRACT: a3 Jcti,~ ~_ _ _~_ ___ UNCONBITYUNAL +GUAR~NTEE p.8 In eonsiderati~n of the purchase of the above referenced Contract; notwirhsrand;na the terms of the Dealer A~neement with +CAPITAL UNE AUTO FINANCE to which this purchase is related, the Undersigned unconditionally guarantees payment to CAPiTA~, 4NE AUTO Fl"I~1,ANCE, the i~ULL amount remaining unpaid under the contract and agz~es to repurchase die contract upon demand fur the FULL amount then unpaid whether the contract shall be, or r-nt be, in default. 'T1~.15 GUA].L4N~TEt3 GF TITLE Jt.EtvtAINS tN EFFECT tlNT]L TITLE IS RECEIVED AND JS SUBJECT TU PAY-Ut? Ut>UN REQUEST. Lien information will be recorded as: CAPITAL ONE AUTp FINANCE P.U. BOX ?56!}5 Sacramento, CA 9586-5587 DEALERSHIP: ~~ ~v~ 110-1% ~ AUTJ-]ORiZED SIGNATURE: i PRINTED NAME: _ ~~ ~' _ TITLE: DATE: ~l~ ~~ _..~ Jan 13 03 04:35p • ,sura F~HaNCE. Contract Assignll~ent For value received, this assi~ment is attached to.and exp_essly made apart-cif-a rrzotor.vehicle sale by and between ~o~ ~~1 ~oR,~ o.f ~•~'~5`p U l2 ~~1 __-___.-- (as Deafer/Seller} (Ctiry, State} and ~~'~-~,~ ~c~-.~ S~ ±.~ _ _ of - ~~~ a , ~.A _,.__-_ - (as BuyerBuyers} (City, State) dated ~3 ~~-~ 4~ , (the "Contract"),securing vehicle described in the Contract with V1N~ aF m~ ~53 ~5 Y ~~,03~ ~ y --~_~- p.7 Seiler hereby expressly sells, assigns and transfers a!1 rights, tine andsnterest to said Cantraat arty guaranty e,cecuted in canaectioa tivith the Contract.l'his includes any security interest in the motor vehicle purchased by the terms of tEte Contract and any and all accessions. attachments, accessories, and equipment (together the '`Property"j and arty proceeds of the Property; and all right, t'stle and interest to any insurance policies or insurance proceeds purchasers, endorsed, or obtainers under the terms of the Contract to Capital One At:iv•. "finance, lac., its successors and assigns ("COr;F"}. yeller further agrees tl3at it is bound by goy warranties, guaranties or holds harmless provisions and a.ll other rarms of the assignment contained iri the Co>>traci. This assignment supercedes any assigtuttent to another party that may appear on tfie Contract and is trade subject to the terms of. the Dealer Agreement, if any, between SellerlDealer and COAF. In the event of a conflict between the terms of this Assignment and the Dealer Agreement between Se]ler/Dealer, the terms of the Dealer A~reexnent will apply. ~~ ~~~r' Authorized Signature / 2.~ oy Date 3art 13 D3 04: 38p p_ i~ auto F~NaaYCa_ AGtif£MEkT 70 PROVII)t's ACCiDEN7AL P}3YS3CAL DAMAGE INSURANCE {USE THIS FORM OR ANY STANDARD LENDER'S FORM} To provide protection against serious financial ions st;ould an accident or damage occur, I understand #hat my installment Contract requires that the vehicle be continuously covered with insurance against the r'ssks of fire, theft and collision artd that failure to provide such insurance gives Capita! One Auto Finance the right to deci2re the entire unpasd balance immediately due and payable. Accordingly, 1 have arranged for thg,reguired insurance through Gtie insurance company shown below and have requested that tt;e policy contains a loss payable endorsement in favor of Lien holder: E:iAPITAL QNE AUTO FINANCE PQ Bax 23786 Tucson, AZ 85734 M.~med Ensured (Print} Street address Et~~,l~ ~. ~~ ~,s City State Zip Code ~~ ~~- 53~v~1 Telephone Number i y o3°1 ~ a~ Drivers License 3Number Vehicle tnsured: YE~_- Make fnsurancg ggertcy Named Purchaser (Print) Street Address City State Zip Code Telephone Number Drivers License [Number S~ i ~M1~ A53 ~{ 5 303 `~ SU Model Vehicle identification Plumber ~~at k>?SS i ~ i:nsu ce Garner ~aa~aa~~o Policy Number t 1~I oy ~ 3 1 Ui-I Beg. Coverage Oate ~ end. Coverage Date ~ U r ~ SoO Comprehensive De uc .~ ! Caliisian Deductible J aiers ~gnature Da#e c7 13 ~^~~ ,~~~~~ 02/01/02 l -~6Op-_ 7 ~~-- W~ 3 `? Telephone Number ~3o i '~e.xTdN G~,~~~.,~,t~ Rd Address VERIFICATION The undersigned hereby states that he is the attorney for Plaintiff who is located outside of this jurisdiction and in order to file the within document in an expedient and timely manner, he is authorized to make this verification on behalf of said Plaintiff in the within action and verifies that the statements made in the foregoing First Amended Complaint are true and correct to the best of his knowledge, information, and belief, based upon information provided by Plaintiff. The undersigned understands that false statements herein are made subject to the penalties of 18 Pa.C.5. § 4904, relating to unsworn falsification to authorities. Date: ~ ~ David R. Gallowa Attorney I.D. #87326 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6751 Counsel for Plaintiff CCP Cmplt -Auto Loan wo AF 6 W&A File No. 172679922 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MIDLAND CREDIT MANAGEMENT, INC. ASSIGNEE OF WELLS FARGO BANK : No. 07-2920 CIVIL TERM Plaintiff V5 HAROLD A PAWLIK Defendant(s) CERTIFICATE OF SERVICE CIVIL ACTION -LAW The undersigned does hereby certify that a true and correct copy of the First Amended Complaint was served upon the individual(s) listed below by Regular Mail, Postage Pre-Paid on this 06 day of July, 2007. Geoffrey M. Biringer, Esquire 401 E. Louther Street Suite 103 Car' ,P Andrew P. Dollman Paralegal to Attorney Galloway WOLPOFF & ABRAMSON, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff W&A File No. 172679922 r~ -- r c-~ -t1 -J C..... ~ -~ f t_a_ { ~.~ ~. ~ I ".~ .~ __. C.~ - -.}.1 - i.:7 ~ "`a li.i ~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MIDLAND CREDIT MANAGEMENT, INC. AS SERVICER FOR MIDLAND FUNDING LCC ASSIGNEE OF WELLS FARGO BANK 5775 ROSCOE COURT . SAN DIEGO CA 92123 Plaintiff Vs. No. 07 - 2920 CIVIL TERM HAROLD A. PAWLIK . 258C N. ENOLA DR. :CIVIL ACTION -LAW ENOLA PA 17025 . Defendant DEFENDANT'S PRELIMINARY OB TECTIONS TO PLAINTIFF'S AMENDED COMPLAINT Pursuant to Pennsylvania Rule of Civil Procedure No. 1028, Defendant Pawlik, by and through his attorneys, MidPenn Legal Services, preliminarily objects to Plaintiff Midland Credit Management's Amended Complaint and moves for its dismissal as follows: I. MOTION TO STRIKE/FAILURE OF PLEADING TO CONFORM TO LAW AND RULE OF COURT 1. Plaintiff has filed an Amended Complaint requesting judgment in the amount of $11,262.92, in addition to interest in the amount of $1,046.06 and other such costs of the action that the Court deems reasonable and just. 2. Although in its Amended Complaint Plaintiff has attached an installment sales contract concerning Defendant's purchase of a 2000 Ford Windstar SEL and other documents relating to title and insurance on the vehicle, Plaintiff has failed to provide Defendant ~. with any documentation of charges, lack of payments, or payments made by Defendant, as required by Pa.R.C.P. No. 1019(1). 3. Such documentation is imperative in Plaintiff showing that the amount requested as relief in its Amended Complaint is the true and accurate figure owed by Defendant to Plaintiff. WHEREFORE, Defendant Pawlik demands that Plaintiff's Amended Complaint be dismissed. II. MOTION TO STRIKE/INSUFFICIENT SPECIFICITY OF PLEADING 4. Paragraphs 1 through 3 are incorporated herein by reference hereto. 5. In light of the vague averments, the absence of factual claims, and the lack of documentation of charges, Plaintiff's Amended Complaint lacks sufficient specificity as required under Pa.R.C.P 1028(a)(3). 6. In particular, and in addition to the absence of documentation of charges as previously noted, Plaintiff has not attached information to its Amended Complaint evidencing compensation, ar a lack thereof, for the repossession of Defendant's Ford Windstar. 7. Because of such insufficient specificity, Plaintiff's Amended Complaint fails to notify Defendant of the issues to be litigated, does not provide Mr. Pawlik with an opportunity to satisfactorily prepare and present a defense to Plaintiff's averments, and presents no evidence of the debt alleged. ... WHEREFORE, Defendant Pawlik demands that Plaintiff's Amended Complaint be dismissed. Date: 7 ~ ~ 7 MidPenn Legal Services Geoffrey M. Biringer, Esquire 401 East Louther Street Carlisle, PA 17013 (717) 243 - 9400 Supreme Court ID #18040 .. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MIDLAND CREDIT MANAGEMENT, INC. AS SERVICER FOR MIDLAND FUNDING LCC ASSIGNEE OF WELLS FARGO BANK 5775 ROSCOE COURT SAN DIEGO CA 92123 Plaintiff vs. HAROLD A PAWLICK 258C N ENOLA DR ENOLA PA 17025 Defendant No. 07-2920 CIVIL ACTION -LAW Affidavit of Service The undersigned hereby certifies that on the below stated date, he served a true and correct copy of the within Defendant's Preliminary Objection to Plaintiff s Complaint, by mailing same to the office of Plaintiff's attorney of record by regular first- class mail, postage pre-paid, addressed as follows, which service satisfies the requirements of Pa.R.C.P. No. 440: David R. Galloway, Esq. Wolpoff & Abramson, LLP 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Date: July 20, 2007 MIDPENN LEGAL SERVICES By. ~~ `, Geoffrey M. Biringer, Esquire 401 East Louther Street Carlisle, PA 17013 (717) 243-9400 Sup. Ct. ID# 18040 ~ C c.~ _., _~ ? . (, _ W _ V ~W 1 ~'~`i (l ~_~, ~ ~~.% `t~ c,`~ ~rG a~ 1- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MIDLAND CREDIT MANAGEMENT, INC. AS SERVICER FOR MIDLAND FUNDING LLC ASSIGNEE OF WELLS FARGO BANK Plaintiff VS HAROLD A PAWLIK Defendant(s) No. 07-2920 CIVIL TERM CIVIL ACTION -LAW PRAECII'E TO DISCONTINUE To the Prothonotary: Please mark the above-entitled case as discontinued without prejudice. Respectfully Submitted, Date: ~ t~ ~~ David R. Gallo ay #87326 Wolpoff & Abr on, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff W&A File No. 172679922 Geoffrey Biringer MIDPENN LEGAL SERVICES 401. E Louther St, Ste 103 Carlisle, PA 170130000 David R. Gal way #87326 WOLPOFF ABRAMSON, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL' VANIA MIDLAND CREDIT MANAGEMENT, INC. No. 07-2920 CIVII, TERM ASSIGNEE OF WELLS FARGO BANK Plaintiff vs. CTYII. ACTION -LAW HAROLD A PAWLIK Defendant(s) The undersigned does hereby certify that a copy of the foregoing praecipe was served this date by Regular Mail, Postage Pre-Paid on this ~ ~ay of ~e ~'embe~ , 2oQ1 Q- W&A File No. 172679922 l l iii ~ ~j ~ ~.. ~:. ~w~ v/ """ ~ ~ 'xl ~~ .. h+ • ~ J