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HomeMy WebLinkAbout07-7093 BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 PARTNERS TRUST BANK, successor by merger to BSB BANK & TRUST, Plaintiff V. ROBERT PAQUETTE, OURT OF COMMON PLEAS OF UMBERLAND COUNTY, PENNSYLVANIA IVIL ACTION - LAW CTION IN REPLEVIN o. 67 - 7693 (21 w -- l NOTICE TO DEFEND You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served by entering a written appearance personally or by 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 to you for any money claimed in the Complaint or for any other claim or relief requested by Plaintiff(s). You may lose money or property or other rights important to you. 2093011-1 YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER GO TO OR TELEPHONE THE FOLLOWING OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD 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 S. Bedford St. Carlisle, PA 17013 Telephone: (717) 249-3166 or (800) 990-9108 2093011-1 2 BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 PARTNERS TRUST BANK, successor by merger to BSB BANK & TRUST, Plaintiff V. ROBERT PAQUETTE, OURT OF COMMON PLEAS OF UMBERLAND COUNTY, PENNSYLVANIA IVIL ACTION - LAW CTION IN REPLEVIN o. o 9- 70 93 AVISO LE HAN DEMANDADO EN CORTE. Si usted desea defender contra las demandas dispuestas en las paginas siguientes, usted debe tomar la accion en el plazo de veinte (20) di as despuds de esta queja y el aviso es servido, incorporando un aspecto escrito personalmente o por el abogado y archivando en escribir con la corte sus defensas u objeciones a las demandas dispuestas contra usted. Le advierten que si usted no puede hacer asi que el caso puede proceder sin usted y un juicio se puede incorporar contra usted por la corte sin aviso adicional a usted para cualquier dinero demandado en la queja o para cualquier otra demanda o relevacion pedida por Plaintiff(s). Usted puede perder el dinero o la caracteristica u otra endereza importante a usted. 2093011-1 USTED DEBE LLEVAR ESTE PAPEL SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE Un ABOGADO, VAYA A O LLAME POR TELEFONO La OFICINA DISPUESTA ABAJO. ESTA OFICINA PUEDE PROVEER De USTED La INFORMACION SOBRE EMPLEAR A un ABOGADO. SI USTED NO PUEDE PERMITIRSE AL HIRE A un ABOGADO, ESTA OFICINA PUEDE PODER PROVEER DE USTED LA INFORMACION SOBRE LAS AGENCIAS QUE LOS SERVICIOS JURIDICOS de la OFERTA de MAYO A LAS PERSONAS ELEGIBLES EN Un HONORARIO REDUCIDO O NINGON HONORARIO. Cumberland County Bar Association 32 S. Bedford St. Carlisle, PA 17013 Telephone: (717) 249-3166 or (800) 990-9108 2093011-1 2 BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 PARTNERS TRUST BANK, successor by merger to BSB BANK & TRUST, Plaintiff V. ROBERT PAQUETTE, URT OF COMMON PLEAS OF MBERLAND COUNTY, PENNSYLVANIA (IL ACTION - LAW CTION IN REPLEVIN o. D ? - 'Jo ;;?3 C 44;a '.?- COMPLAINT I. Plaintiff, Partners Trust Bank, Successor by Merger to BSB Bank & Trust, is a New York State chartered bank having a place of business at 58-68 Exchange Street, Binghamton, New York, 13902. 2. Defendant, Robert Paquette, is an adult individual with a last known address of 194 Birch Lane, Carlisle, Cumberland County, Pennsylvania 17013. 3. On or about October 13, 2000, Michael R. Paquette and Lisa M. Paquette ("Paquette") entered into a Variable/Simple Interest Note, Disclosure and Security Agreement (the "Note") with Forward Financial Company of 360 Church Street, Northboro, Massachusetts 01532 for the purchase money financing of a used 1982 Schult 70' x 14' Mobile Home, serial 2093011-1 number E178991 (the "Mobile Home"). A true and correct copy of the Note is attached hereto as Exhibit "A" and incorporated herein by reference as if fully set forth. 4. By Assignment dated October 13, 2000, Forward Financial Company assigned all of its rights, benefits, title and interest in the Note and Security Agreement to Plaintiff. A true and correct copy of the Assignment is attached hereto as Exhibit "B" and incorporated herein by reference as if fully set forth. 5. Paquette defaulted under the Note by failing to make monthly payments when due beginning June 5, 2007 and on the fifth (5th) day of each month thereafter. 6. Pursuant to the Note, in the event of default, Plaintiff may, and by letter dated August 17, 2007 did, make unpaid principal, earned interest and other agreed charges owed by Paquette under the Note immediately due. A true and correct copy of Plaintiffs August 17, 2007 letter is attached hereto as Exhibit "C" and incorporated herein by reference as if fully set forth. 7. Pursuant to the Note, Plaintiff gave Paquette notice of Plaintiff's intention to repossess the Mobile Home and an opportunity to cure Paquettes' default. See Exhibit " C". 8. As a result of Paquettes' default under the Note, Plaintiff is entitled to immediate possession of the Mobile Home. 9. The present fair market wholesale value of the Mobile Home is approximately $6,674.68. 10. Defendant has possession of the Mobile Home at 194 Birch Lane, Carlisle, Pennsylvania 17013. WHEREFORE, Plaintiff Partners Trust Bank, Successor by Merger to BSB Bank & Trust demands judgment in replevin against Defendant, Robert Paquette, for possession of the Mobile 2093011-1 2 Home, plus costs, special damages thereon in the amount to be determined, attorneys' fees, and such other relief as this Court deems just. By: BARLEY Shah M. Long, Esqui orneys for Plaintif Partners Trust B , Successor by Merger to BSB Bank & Trust Court I.D. #83774 126 East King Street Lancaster, PA 17602-2893 (717) 299-5201 2093011-1 3 Om aul ,?I M?i- Partners Trust Bank, Successor by Merger to BSB Bank & Trust VS. Robert Paquette I, Tammy Wildenstein, Vice President, of Partners Trust Bank, Successor by Merger to BSB Bank & Trust, hereby verify that the facts set forth in the forgoing Complaint are true and correct to the best of my knowledge, information and belief. This Verification is made subject to the penalties of 18 Pa. C.S. §4904, relating to unsworn falsification to authorities. Date: Ta W' denstein Y P 2093011-1 Sz V / I-7 4A\??0 E'YOU C-Wa y fMYM ro, MA 0153$ LEN08RY HAM6•AND:anDR6i6 . magna ma'LeaMSrLoan Amamt S. ' 10irAm? NAME AND ADDRESS TEMAG FO L.ON11rto A APPLY OIF CNECI?D Moludw each tiorrorrer+awat lolnerand,o vawy- Pay:to ~ ,wr oolNres 17697.. ' i1r. rihpr 150 Paid .full MAMM om V. ph au ooaodw-, as, ratio s p-r yrla until wMhdd from me b Pay a. of-S a will b" . paid In beak- Ihk-f- b wtlhhdd hom the proa-M a. e.moun ?pey pm rag over a- Ioaridarrti pr rrAAIABLE.RATE Tho rats bove my Ohanpe IM always m 6. e I¦,1fldlitlad In Mr prl rJpe. are folloaaiiyTho I^tereaeraw they n01 vit"e more d'art % ean Thn mn061rob hoh, at any tI - be mgrs than .note may ohallpa-*:o119n.aa) % ar IWB elan Tly Interest rat- kr'elrarl on 'hQ:IMaidR*fMW IN:muu an Iltofat. In ' b-e" rate) and irnIiloro I. ? me'dmpurx o}. --Dora duo t n atulb. VURPrT- 1WRI.Pay"hateasfoNOe: the number W tlr- D-Ytt 0.) XT-rhi¦ how lir 4'4 aaympnaf. The aratpaySM wlli.be•airr» arriou rial s gad w41 be due. DoA ppYy" of s?8eQ7 eR faott th then ever. iho •hrwl Pnymonrar.ihe anaro W,Petd -f-pri >o" and lru«e. wd too are. etbQ r5 Ol ?dSil•Y sintnle . ilLtarest ' I1aei , .0 f9BTURNEO ?? - l spree b wy a rw of s M"MUM PW4ANOE rmmnGE._: 1 agrt-PAY a minlmVRyfVlanna.wMww or for "eth h.* trope bb -W- ay I Na / that w nlurttad beery" it -d-draft in I PayTlas loan on yohave rlnenge POST41aATLAWff pa1r T - kdarom will baci,-atpr 1tleNy on ate l s . . :. -1 bilk!"on.maaten" be-b a-.Im"I a aal•eccrOwuu Ne maluMy imarut rate is agreed to.. th- rwateenratt-a. ntYr tfltlaae v ep"gIN baintIcit Page LATE CItARAL 1 soto Pay.a,bae charge on any hi I fern or pw,"w r made -ara? Inbraaf uiM accrue u the rats or Is d" que; to ' 5 x'er me updd Of this note noe'pald m men.rrylnatuyaP mmraN ey eooobrat onParriouM or S:7LtEPurcYl$se of ttRFiy You neve.entthrlphte thet ^IaY eneet•my property as -pt." on Pep- z.. Tr"118 n Tfib ben fa ".hod DY datisd Ib) pros Yep a pcWltylnt-roar 1n. me property daecnbsd bagw. Tfieohagaeane title wo*nwnt ol sorea--nt. • A Used L982 8'CULT 70'x 14"?{ E17;8991Located at: COUNTRY MANOR,-194 BIRCH LANECrASLEY7O13l'roPortywluiwuseotor -IaNMUATOTAL' OP Ttw A--MA ava an 18 024.58 •17; 697 .50 35'. 722.08 R'' art Nll li;lMQM Ate due 144 2AR 07 Month' a inns. ca. Tnls haw k Payable arrend.and all al}Cleeurae Hexed on e6 My:lo9n oa(alne ab a-vumee. mouxay or rxrs yo-r. ovaMlo'rate feature: Dlscbauraabout tha•vanabla into leeturo hae peen prvWOw me aenl-r. &") ?Tho•armuRI Pao"^tHOe fib wring the term of INII.Irereaotlon It T.. acrd . >I ;' may hOtMtrOWa fllpra.. +atwin nor go above % ;n ri!sxP?a eaiis?nre'tosei:'` q jt+t?td.oaPa;It'• Tile annual roe dahb.tri'?tas.4eynm'crtne from,' -•raraarod?d-p-ea pe ntape tab, dose not take into ?>.ocnup4 my.`; ;;,ba tifi?roe is l enaiv.'en y paymo amadi ? :nb4" pia 15 aayc afterN Is due eabRw 5 % Or thO vnpald amour" "IcheVer is waft-.• N I pay off Mb noes -arty. I Q. mayMM not .IMVO?b'paY a mini-um.anenoa Oharga. KI P. p oninb neta,eany;'1. war net bo-O Mhbd'to o ah-rg- ?:13an Aaarejutkm''ryp.rdon spyi?{yl .?rry.a-dalan'aadrtp. r"furldAf penof someone, -ree. .,..a9!t. -eatmy.lft- .. .. .. .rompMd ehl •.aonaoR eraJya obllQalbn.on tM ald?n!r lawta.. page 1: .. - Type - Premium .. Term credit Ufa Credlf pieablhly Joint Credit Life Nam- of Insurer r de 0 do 661 went treat rte insura ??''tI . 1 Q fro ED do net 1 0 ao © ao nco. went oredk dlaablrRy InAWanc s. nor I Cl do do rbl want Idnt aroeat nfa Insurance w-nt x kwuntnce. x DOG r MVv K'rY INSURANCE - 1 may obtain pr"" ahem Y Property klSUrenaa from anyone ! wane Ihr I. acceptable to you. It I Oat the InaUranae from or through you 1 WW pay s --- SIONATt"M - ! AGREE TO THE TEpMB w ----- al aoverape. AGREEMENT. 1 NAYS RF-CEIVlD A COPY Of IAI COSN7NERS • SEE NOTCE ON GING1.6 INTEREST INSURANCE - 1 may obtain einglo Intareat Inaurenae rrom alrvOne f wpm mat is aoeeowae 1o you, If I got tna ineurgnpe from or tlwuph you I wpr pay Ior of rove r? 7 811Y+nture Sip-.0 O (optional) ''ANIDtYNT'ORv.EN'TO ME DIRiNC Y ^ ' • ' AMW?A ID O t Kw (LOAN) ACCOtIt•1T ' . :':T'??? ?:.:'.,:'?'<'y: ' . ''. ' .:I AI AMOUNTS PAID TO OYHERS ..... ........ '. ^''?'??'?:."'r w bwrarD" Oar*rP-rllee f - ?? :" i€ ?" Public OfflawN RJ, •.P T :vnb: ,y ? . . •~ ` l ' =-? ( uce) pREPAID FI „ a ::n'- - . . ? ' '^r{rS: ? :' ' ? ' • AmountFlndraad ? ., :i t?Q:tiMi. 7t ? S ? (Add MI Items rlrMn-otl and alhiract MN Form Nb.e-vaI.PA en1/N -••••r•••?••• ci NM M Ml A S T O/£ T O Ij }Ix H IS11HI Suall uva For Lander 71 ZDt-FORQ SK#NNiG..-.. . 7 of P) S£9£ 6LL L09 XVd TS:OT LOOJ19ZI60 09/26/2007 10:51 FAX 607 778 3635 PARTNERS TRUST BANK ADDITIONAL TERMS OF TIM. NOTE DMNRIONS -I" 'me' or "my' means each Borrower who sighs !hilt noto and cool other parson w legal entity (Indudlrig guarantors, andvroara, and sureties) who agrees to pay !hilt nets (tovathee Falser" to lie "us"). `Youw or your means the tender and its eyo¢tteore one asalems. APIPLICAOL! LAW • This rota and anyy agprreeement securing this note wit be govemod try tw laws of Ihe slate of Poh=j10nla. ThA tadarol Trutlrn•Lendlno dlsdosura3 on pogo t are disclosures otlY and am not Intandad to be terms of this eprio(a? de Any that an part of this note cannot Do eFfrom a will not aka. the rest dneng• to this nob or any sq,-nt securing this roe must be in Writing and all by you and nor. PAYMENTS • Each payment 1 make an this loan will be applied first to any cherots I w pnmpW owe tWIK.men g to and Int10re64 then to Interest that Is duo. and finally tent la duo r4 lots charge wfll be ,".-ad on any payment when the Only dal:nquernv IB ous-19, Iota f- usoused en "T ar paymomu and the payment I. olharwlae 8 tun psymont. This actual artrount OI final Mymsnl VIII Oapand on ten IMOraat rnloz (d m t -aid' if amy payment due under this ban does rite( actual or enable) ante mY paymen exceed Me aount of M oreall due, you they. Of YOW Opltpn., 100/0089 Me amour" of it. payment due and all future paynnants to an amount Mat will pay art this loam In equSt payments war the remaining term of this loan. PREPAYMENT - I may prepay into loan M whole or M pan et grlang. if 1 prepay In par. I meal 9111 mako each later payment in the original antOuni "71 becomes dole until this rote is paid in full. INTEREST - Inraraat accruax on the principal remaining unpaid from time to Gee, until paid In full. If 'Variable Rate' is checked on pege 1. 1 will pay interest at the rates Ii elect from .Fria to firm, Donsaasas In mo Into(OuT rata for this note will have the Opposite loot on payments that increases would have. The interest rate(s) are din• , Charges on Mis ban will never exceed the Id hail rate or charge allowed by law for eiIs roan, YoV Will figure a change in the Interest rate b uslnt) the Intlex rate In off. J taw 1. mo Interest rate I. IO one nee. Changes in Ins Index between i.wtllule(1 ChafxJei in tttq Inarest rota will hot ailed tho Interest rata. If the Indo. specified on page 1 aliases to quiet, ( agree that you may stuawtuta a almost index for me original. INDEX - II yon. and 1 have 0Onwd that the interest igle on nhbj Here oral tw -flabls and /Will be !slated to an Irdea, Man Ms index you salad wNl !unction only as at tppt for wfiInv tb raw en Mla root,. You do not puar.nry, by zolxtinp any I--- that the Interest roar en this note it, cave a ular relationship to Me Interest rata you ch-go am any D1ar barns of aMy Woo or" .lea. at bona an vow aMw customero. AL METNOD • The t a Maros! Mal I *a pay en this IOM awu Dst ORICUI.Wd Iaarrtst rm. and oceihlol ms Mad ratted on page 1. For rNer.p .nlgrlatlen, tai ra thod wW determine the rasMor or ant's In a yew. if not scout method Is spited. .. accrual melMdT.r Una irtl.h10M. u Vat na M rwak";deel: pura~w'.r`aw?r a nom the data Of concurmWbn Rao +afler ; t12 C. . . y ar REAL IiSTATE OR RESIDENCE SE6up rThf - 11 Mk teen V by r'.el tt raaraOneO that b Personal propond,the axlnenoe of.. ~I:==. your r =:a. lot such:s datault will be datormine DY MPIfCBDie hew, by tw terms of any eepsrata Instrument creating tns security Intorwl and, to Ma ox ani (tot profublt6a by hew end not ConNaly'to the forme of the separate security Inatrument, by tftt somemanl, DEFAULT - Subject to any Ilmnanons In oho -REAL ESTATE OR RESIOrNCF SECURITY' Darebraph "Dove, I will be In OelaWt on 'his loan and any agreemanr amu,InQ this Ices 1 any one or more of the following ocourc a I rim to mnlm apnymerit In fuU when dot D 1 Ole, um dederea IncampgteM, Or becanw IneoWenr c I fail to keep any Promise t have made in et,mactlen (th this ban; I lafl b pqy, or keep ¢ry other Dromise On. any otwr la In or agreament 1 no With you; e I rrd+ka any wdnen atetem¢nt or Provide any Nranclai information Mat la untrue or ma-= at the rime h is provided; (f) :Vow edhof mile attempts to coaaet any debt I owe through court Proceedings. ff w flan-11e1p mpossaaaon: ((gg)) Yfie Proporrryry is dI 7=oe,dd chewy.. er slot..; (h) 1 fail to prOVW a any aridklonal secufby mar You may rogVlre; (U Any local entity (ouch es o pertn.h ip or =. tion) that tai .gm0d to Pay this hold mergBS. die zolvee, reorfiff=i, BfWa oaxicto or a Dartrwr or mabrsy atocktrolder dlos or y dsderod Inoompelenk ar (n Mrlning else h¦ppehe Nat enusaa you to ballsve Ihei you will nflVN dHTieuley 1aar0lw anhount 1 owe you. h - ., . . M any-tallua are In default on this .nole.*f any socvrlty epreorn.nt,, you they axorelae your for "Itio-aill any or all of u.. REMEDIES • Gub)eCt to any IlmltpUons In the 'REAL ESTATE OR RESIDENCE SECURITY" meragrapn above, If I am in aefeuu on this loan or any agreement securing OU ban, you ay: (a) 4"u nbeto prk,dpal, turned Iaorast and as other agreed charge. I owe you under n mmetllatsIV daa; D Uca the rrini of setvl as .xplal d below;o c Vernand more security or now Partite obtntad to pay this loon (or twM) in rstum for (d) Make a gdalm far any m ak in.u--. t)enellto or refun.a that may be tvallabN on my defeuu; (I) Vw enY f.mediy You hnvo under ottta or federal law; and (? y ii van to you in any agreement enuring Into (earn. 8y ohooak0 any one or mar. of these .omadw you do rot Q71.p UD your rlgnil a yea anoMor remedy later. By OeCplnpy not ro uN enY nm?' allould I Ica In oetaull, you d¢ not I*_ uP you."'Iffl to Gondd ," event a dofeuk.1fk happenc Dgam.... COST* OF COLLECTION APO ATTORNEYS' PEE$ - I agroa lr ay you II rewonabla costa t" Incur to Caaaa( Ihla debt or realize on any security. This kr.krdgs, urdasv plDhlfNttltl y low, reaeonedo.¢nOIf1ey?' Ise.. Thle pro?ylelan niso alien epDly ilk a =Oiled arty Omer dawn tor.r.Nef Idoar any ban l rule or law OI the U Stetas, or If won pelftion or Omer darn car rellet I. hied apalnst hta by another. Aftod SE F - I ngrao torttO you may set Off any arnount due and payable under this note egalae a+fy rloM 1 nova receive money from you. 'Right to motive money from you" means: () Anyy Oepolrh account balance I have wlm yaw,, (b) wlltaelbn or exiled to me on an item prosentea to you or In your poececcion for (la Any rePurdraa.. ergo; no agnoment or Amer rwmlepoae obagatlon. 'My gnrounl due and payable under this note" meant me total amount of Which you tM10 aMitlad to demand Daymaro urWer the Iennc of $his Moro n btq lkM yoVtaute.et on. TtNi told IrcIut79B art). balance Me dos data for wnbh you Pr nY aCaN¦rota r thls note. If n yyrigr" ve money tram you I. aloes owned at con. tvho hies not rtprasd la Pay ttaa note1,*. your right of awclf WE W7VW le my Interest In Ma abtgatlpn and w !!tier amOtaltG UIa WNMdrow on my bls requoof Or ehd.raament. YWr right of wtW/f data not apply to an awount or ether obltganOn whore my rights ache Dnfy In e rapra¢grtlagvs capody. It sµ0 doon not apply to any indlWOual Fbtlramant AcCOUe w o f laadefe rVitrfemeM account. You w{II hoe bo llabtt for the dlsneno, of any mock r- u-.alswnor -rs Decsuse you Eel off tea d;br .game! ery.a} my accounts. I You to hold you hormleas from shy tl/eh calms arlalrtg w n rsoun o year exarclso at your rich! 1r asa01, OTHER SECURITY - Arty Present or future agreement aapunfg any other debt l owe You else w101 severe Me payment of =2 ban, Props AAyy a.CUdfO anonwr pKlt will mvt agoure Chia loan If such crape 110 mw Prindppl (1welMp end yqu lea to rovlda any b n D e Orton! swan sea en use' AnOp?enYy owning another debt will not secure property Is In household goods. OBLJG 145 INDEPENDgreT - I urd.rtdand Mat my OMI then to pry Is ban is IndepsR$pnt of Ih. odk D. of any ether n W' hu also pgroed to pay n. You they. I Lwithout a. sond e, reboot me or any ot IJB, Ohre up any n ?[ yDla ry y hetoeog n Ih ei it a tornM?y now and I to n,, win still tm copg d W r chi gr be lag w perfect ,and Interest in, Impair, or mlecoooo any se er urlty and ,I will WIN Qatnd 10 pay s loan. WAIVER • I w.lve (10 the mooit permitted by law) .errand, presenhn¦rt, protest Flows of db*wrlpr trod notlao d p-te¦L PRIVACY - I a9grrlie that Irom Ume to tlmo yoV they re ,Iv. Credo info+ntlon about me =1=' ludl olwr bndora and Oradlt rnpgrtktg agendas. 1 agree that Y- may roguar bats crook ono experience Information rwaBMMp my Roan to oMBre .seklftg Paco litlormanon. To the astsrk%rniaod by law, I acre; Mat yOU wE nn be liable far any aldm u110Inp from the yea at Intorrnotbn provid;a w you py others or for pnoNtAng Imormaupn to others. PINANCIAL OTATEMENT9 - I VI 0" you any flnowbl ¦tolefm antn or Intdmation that y u hat ? -sary, All fInanalol statements afw Inforrh= I Diva you will bo coned PURCHASE MONEr-LOAN = If Mis la -a Putahaoa Monty Loan, you may Include the _riema a.EY7 epaer, on,(ha Fho.(d. qr CfAfl for )Na ban. -NOTICO.OF-PROPOSED 1NGURANCE • It so khWCatsO'orv m10 nano. of thit'flote. credit tpeM to TM?n eonce nd/oc credN amidon; and health Iraurence covers Will AOdly to this no ompany named on the front of this motto will wrlle the Insurance. The Incula.- oOver. onlyy line ereon(c) elgninp MO rogues! br Insurance. The charge for neon type d croalt r, he mm's to be 1 chaaea i9 ee 1.=11ISd on ffa front of 1Na ndq, Tw IOtlm pf fMVrance will beolm ail of tho dare of this note and will and on the orlglriel due dote d cola to, InWre Jeecrwbl bacceptonp. by chit Incurcnc. Company arw wnhin 9o onyx, a cartlflono or prw Mil Into Ix prepaid before II la.dus. a refund of kleVnnco r en IPM. Insured. If gas -ill be -ado when due. ,V.j V1L/ V X 0 ADOtTK)"AL TERM6 OF THE SECURITY AGR PMENT OCCUPIED ODLIGATIONS • This security agirearnent secures this loan (including WI astonalione. ronawals. retWnelnDS tliitl friodlDesttlons) and any Omer debt 1 haw with you Rout or later. Property dasarlbad h Mis security agreement will not aacura other such debts If you fail to olive arty rseufted notice of the right of rescission with raapeat to the Property. AEG. tnta scoug: ngraomonr will at secure other debts If this security Interest is in hausellold gmdc a the DIME debt is a eoriweer ban. This sodlrfiy eomemant WE last unim it M discharged in vmlltg. For Me sorb purpo to of do0 g the ..tent of a pufohsge roNy "eVllty Inferget arising under this security agreement; (e) Paymams on arty nonphachose money loan also secured oy this sareamem Will Prot be demmad ID IY to the PUfOh&" Money LO": and (b) PD monts on tha Purchase Money Loan will be deemed [O apply first IO the obllpatrcbrhs'm eM orderer, w ,A mth IrIo ron*were any yW nd than to the purchase money No security Inlpreer Will ba t.nnnat•a by ppplloaron of this formula. "Purcnasa Money Lawn' means my ban Ills ptOCwdt OI 1VI11d1, In w1101e Or in DaM1, are used 10 acoWre any pro fl'e^Y securing he bon and as extension, ran•wat., consoildancrut and rennenpMge of each Ion. PROPERTY - The wartl `Popery; M used here. Induces au property mat is hared in Iw aseurlb sWoomerlt on page 1. If a ganaral doscnpdon is used, the word Property Includes ellff my property 111660 Isle pen do don Properly also means all beneme that a1e10 from ins described .. @Ifty (Includingg all procoods, insurance bonoflu. payments tram olhein. fnlaratt dividollds, stock to Ire and voting Fights). It also mgarhi property Ihal now or later is attached to. Is a part of, W re uu3 from ms Property. OWNERSHIP AND DUTIES TOWARD PROPERTY - Unless s co-owner(s) of the Proparty signrzd a Ihira party en?rMmeM, I rgprppgnt that I own all Ina PrOp.rrtty. l wlfl fact damnd Ma Praporty alnst shy other dbim. I apnea 1o du wnat.veryyooV req Ire to kaW?eptjttu Prepany'tn My r{lpN ?ylonw(errCgpl i) Dtl Og9d and delNerotpt oslH? t 111 Ia^P O N good fapnlr are u.0 II Ot1Ty for rte Intended Durpaaca. 1 will kcap rt of my 10thfn _ntimNN wP P:rgP dnerwlw In wrYng. 1 111 net Iry l0 11 er Irentlyr Ih1 DppanY. OI pgrmir Ih. PrOpeny 10 ggpOMa attadwd toarny raai whale, witnUl your wdUen COnwnl. I won pay afl talux and charges on ms Proo{pfwr1^Y ao they baler". dos. I win Mlorm you of y loth or damspQoa to fns I'm. tY. Y01/ cave lw right W reasowDle egceat M Omer rte knspsd m10 Prop10rly. INSURANCE - 1 buy tnsuramoa or the P-g%7 against ten nab and for 11- amounts you Fig roe 1 J1 nro=,r:: o rly ¦uah pDNoy. You may require added -g on fMa roan 1 dun Iauratice a1'ao.;W they ail used w repair or raplaaylahua Prapa 1 dryralhol if Ica fralrranw poceoDa ou not raver Imo amounts M rip pr rrewo In P s th Thi Mini wl baretr r 6b ewapmbro to you. 1 will p rIP lnq re¦; rnWi i.Durad by We aovenrant era pore. . ..(.}taa1010'w ether !serge!. rctws erw roghatm tnoaance, "it tai to rte these as rpyt You ore not ragW w ate sot. , toy odd ten =.y u pOYliw Mis grid aoort+o sf1M tm led amour" Rl 1te Interest -to(.) M I tram ma t. ten rWa mete unM In fus; :(b) yy"ppu"t1Y a mo to ga t onionroparty are any ratMea MCOrda and make I ovallabla to (a) Tslta immetlr ~p gglon of ew Prepwty, but 1nmaysea ddng Oo, youon may urn txeach the path Or iadav?t .am by.faw en onto f my la ut I manWe arectumd no ne. yo w sector ofu toad Vioporp w icy iq the Prop•rpy Inchwao a . it bogm Me repaasess)on by chFiriv M; Mahe end an Opportunity to cur0 my detour it regUfred by law.) You may M= Will you raaslve from M. sale of Me Prppeity to okperN,se end then re Ica dsbl If what you receive from ten cab of rM Pr ?rtlhan what I owe y.u, y.y may take mo to Court to me ver the difference (to ...._-_ -, ._... ?._ (d) Kse? die roporty 10 .fti.iy oho debt 11 grge that when you mot gWs fiotlOO ro me or your mtwltletl solo or dlepeeftlon Ot lIN Prppamr the nbtlca is naosangple Ii a Is gam to me IM my bat known address by nr.t dose rdM f0 days baton rw intended mb Or dbpoekbn. 1 agree to Irtorm you in writing of any.I,ange i. my am-. sl)owsd b FIL!!O -yw, yAlacopy at this security agreement may tan used as a Imo-ing atatemant when THIRO PARTY AGREEMI?1T For the Purposes d Ica",IslDne wWn this onciosUM. `I," "tho' or "ey' mean lha parypn Wgrlinp below and you" moans Ina Lander Wentnied en cape 1, 1 Mires t.9we you ..;Furth Inl.rwl In Mo prODOrry that is descrM m page 1. I Ogree t0 lw !¦rms of Mls riot; ono security agreement but 1 am in no way P.Irwmo esi able o zey payment of Me tleDl. This meant that if the taofrowor doleVltt y .oared PrOpany may Wiaad to eatlary the 6orrower10 dabL Rgn• that you th, whttout r-%-O me or tort Property from TI. Third Party Agnomen! and without notice or deman0 Upon mw, '.ktentl new cr.0 to any 6ertowsr,.ran•w or !elan thus note or seounty agreement one n, more lamas ono Ior.rry term, er faU b p.ttoFt your aoourly Nileroel n. !7.1, of r;laes. any aawrlry he 9 one, of COMPLETED COPYFO /THIS NOTE AND SECURITY (IneI 4VE RR CeEIVED A AGRICIEMPHY. NAME NOTICE TO COBIGINER Y• (ten Dony ner) are batonpp started to puannty this dabL Think Carefully D¦fgra You g0. If tae borowar deieltt 1110 6!111, you will have to. Ee aura you mil .tens to ppaay t you ewe tee and toot YtNf oath to oocapt the nesponstltdllb. V7 me debh M arst berrow¦r door n pay: itsW 10 pry uDio tw tali stmwlaurR qlectlon an mo Yo+ also insty n¦vst td pay 1Ms /cast OOl aaat46 which I.-calee this ftl0uni Trio C can aattset time $10118 from yea 1vi111teut 1M?t tryfrlg tD aWlsd iron tw p$lioarar_ fa.$ROf pn use ate ealw oollacl.n mMhgd¦ Og¦1f1et you this! can W tread ten erowewar, aygeh ¦¦ suing your etc. N this debt k war in bwe m .rrmn?ct "tell m ( _croft -m w This nno$es is r W a yaw Maple for the debt Attaen PTC'?rtaervotbn of Ctenmlrnor Claims Ind Derannw• Nplbe M Applicable /,oua. Z o/x 09/26/2007 10:49 FAX 607 779 3535 YAK1'NhKti IKUa1 bAINA wJ w, vld ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby transfers, assigns, and conveys to BSB Bank & Trust, 58.68 Exchange Street, Binghamton, NY 13902 the Note, Security Agreement, and all other documents in connection therewith of Michael R. Paquette and Lisa M. Paquette dated October 13, 2000 attached thereto, together with the property described therein and all rights, privileges, and powers of the undersigned in or under said Note and Security Agreement. 09/26/2007 10:49 FAR 607 779 3635 PARTNERS TRUST BANK ? Partne ? Trust BANK CERTIFIED MAIL RETURN RECEIPT REO] AUGUST 17, 2007 ESTATE OF MICHAEL R. PAQUETTE LISA. PAQUETTE 194 BIRCH LANE CARLISLE PA 17013 Re: Account # 523 8777-59011 Dear Mrs. Paquette &.Estate of Micheal Paquette: If .. 11191 a ?$ s We hereby make a formal demand for the balance in full of 11_,86,143 or the Voluntary Surrender of one 1982 SCHUKT 703 Mobile Horne, Serial# E178991 to be received in our b#£ce no later than SEPTEMBER 17, 2007. As of the date of this letter your account is due for the JUNE 5, 2007 through AUGUST 5, 2007 payments in the amount of $651.70. If you intend to cure this debt after SEPTEMBER 5, 2007 you must include the SEPTEMBER 5, 2007 payment in the amount of $248.07. You have 30 days from the date ofthis letter to pay your loan off in full (Per Pennsylvania Law) if your loan is not paid ofFin 30 days, we will commence eviction proceedings. This communication is an attempt to collect a debt and any information obtained will be used for that purpose. Sincerely Wright Managed Assets/Collection Unit (607) 779-2392 (877) 240-0624 (Toll Free) cc Regular Mail Forward Financial Co. File 58-88 Exchange street 431 East Fayette Street 233 Genesee Street Toll-free number Binghamton, NY 13901 Syracuse, NY 13202 Utica, NY '13501 (800) 765.4968 607-779-2300 315-422-5500 315-768-3000 LPJUU6/U15 7QD5 3110 0003 6017 2462 EXMT C tJ W { `1 o ,, a•R y? N c?-a [?J cr ?r C..3 a, 0 r f't'1 F? Cr7 rn .?lJ 101"D SHERIFF'S RETURN - REGULAR CASE NO: 2007-07093 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PARTNERS TRUST BANK VS PAQUETTE ROBERT SHAWN HARRISON Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - REPLEVIN was served upon PAQUETTE ROBERT the DEFENDANT , at 1939:00 HOURS, on the 6th day of December , 2007 at 194 BIRCH LANE CARLISLE, PA 17013 ROBERT PAQUETTE by handing to a true and attested copy of COMPLAINT - REPLEVIN together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge ".v40 7 -r -,. 18.00 5.76 .00 10.00 .00 33.76 Sworn and Subscibed to before me this day So Answers: R. Thomas Kline 12/07/2007 BARLEY SNYDE By: Deputy Sheriff of A. D. r-' -% BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 PARTNERS TRUST BANK, successor by merger to BSB BANK & TRUST, Plaintiff V. ROBERT PAQUETTE, OURT OF COMMON PLEAS OF UMBERLAND COUNTY, PENNSYLVANIA IVIL ACTION - LAW ON IN REPLEVIN 07-7093 Civil Term PRAECIPE FOR JUDGMENT Kindly enter judgment in Replevin in favor of Plaintiff, Partners Trust Bank, successor by merger to BSB Bank & Trust, and against Defendant, Robert Paquette, for possession of the used 1982 Schult 70' x 14' Mobile Home, Serial No. E178991, plus costs, for want of an answer. () Pursuant to Pa. R.C.P. 237 (notice of Praecipe for final judgment 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 2161459-1 r 1% his/her Attorney of Record, if any, after the default occurred and at least ten days prior to the date of the filing of this Praecipe and a copy of the notice is attached. BARLEY SNYD Date: Z3 4? By: Long, Esquire for Plaintiff. successor by merger Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 artners Trust Bank, BSB Bank & Trust NOW, Jon w A , 2008, JUDGMENT IS ENTERED AS ABOVE. Prothonotary/Clerk, Civil Division By: J Vx B Deputy 2161459-1 -w -.q PARTNERS TRUST BANK, successor by merger to BSB BANK & TRUST, Plaintiff V. ROBERT PAQUETTE, To: Robert Paquette Date of Notice: December 27, 2007 URT OF COMMON PLEAS OF MBERLAND COUNTY, PENNSYLVANIA JIL ACTION - LAW CTION IN REPLEVIN 07-7093 Civil Term IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE FOLLOWING OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. 2138814-1 if 1-% 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 S. Bedford St. Carlisle, PA 17013 Telephone: (717) 249-3166 or (800) 990-9108 - `Geo e J. Shoop, Esquire I.D. No. 25367 Shawn M. Long, Esquire I.D. No. 83774 126 East King Street Lancaster, PA 17602-2893 (717) 299-5201 2138814-1 PARTNERS TRUST BANK, successor by merger to BSB BANK & TRUST, Plaintiff V. ROBERT PAQUETTE, URT OF COMMON PLEAS OF COUNTY, PENNSYLVANIA ACTION - LAW IN REPLEVIN 07-7093 Civil Term PROOF OF SERVICE COMMONWEALTH OF PENNSYLVANIA COUNTY OF BERKS ss. Colleen Brelje, Paralegal, being sworn according to law, deposes and says that she served a true and correct copy of the 10-day Default Notice upon Robert Paquette, 194 Birch Lane, Carlisle, Pennsylvania 17013, by regular mail on December 27, 2007 at 5:00 p.m. BARLEY SNYDER LLC Sworn to and subscribed before me 6 this -0 day of , 200# otary Public By: L?ii( Co een Brelje, Paralegal 501 Washington Street P.O. Box 942 Reading, PA 19603-0942 (610) 376-6651 COMMONWEALTH OF PENNSYLVANIA Notarial Seal Margaret C. Edwards, Notary Public City Of Reading, Barks County My Co mnissiorn E30res March 22, 2009 Member, Pennsylvania Association of NoUrl" 2138814-1 ow w BARLEY SNYDER LLC Shawn M. Long, Esquire Court I.D. No. 83774 126 East King Street Lancaster, PA 17602 (717) 299-5201 PARTNERS TRUST BANK, successor by merger to BSB BANK & TRUST, Plaintiff V. ROBERT PAQUETTE, T OF COMMON PLEAS OF UMBERLAND COUNTY, PENNSYLVANIA IVIL ACTION - LAW TION IN REPLEVIN 07-7093 Civil Term AFFIDAVIT THAT THE DEFENDANT IS NOT IN THE MILITARY SERVICE PURSUANT TO "SOLDIERS AND SAILORS" CIVIL RELIEF ACT OF 1918, RE-ENACTED 1940 LANCASTER COUNTY, SS: Before me, the undersigned authority, personally appeared Shawn M. Long, Esquire who being duly sworn according to law, doth depose and say that Robert Paquette, the Defendant, is not in the Military or Naval Service, based on the following facts: Age of the Defendant - Unknown; Present place of employment of the Defendant - Unknown; Present place of residence of the Defendant - 194 Birch Lane, Carlisle, PA 17013 as of the date of this affidavit; ADDITIONAL FACTS, if any, 2161496-1 Affidavit based upon representations of Plaintiff. BARLEY SNYDER LLC By: Sworn to and subscribed to before me this *;?4 day of , 2008. Notary Public iii iWO;WVEALTH Or= PENNSYLVANIA L Sherri L. ,.Johnson, NSeal otary Public City Of Lancaster, Lands Lancaster My Commrs :ion ExI ires Oct. 4, Zp08 t:"N r;b Penn rr,,---? n•.a., .,;?fio Notaries 2161496-1 40- ? # o W y ? s Q m rte- ?" -? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY OFFICE OF THE PROTHONOTARY CARLISLE, PA TO: Robert Paquette Defendant YOU ARE HEREBY NOTIFIED that Partners Trust Bank, successor by merger to BSB Bank & Trust has caused a judgment by default to be entered against you with the Prothonotary of Cumberland County. The judgment was entered on a , to No. 07-7093 Civil Term with the Court of Common Pleas of Cumberland County - Civil Division. The judgment is in Replevin in favor of Plaintiff, Partners Trust Bank, successor by merger to BSB Bank & Trust and against Robert Paquette for possession of the used 1982 Shult 70'x 14' Mobile Home, Serial No. E178991, and costs of suit. PROTHONOTARY By: s / L?ki P. llfe?uty Clerk 2161473-1