HomeMy WebLinkAbout03-6373
COMMERCE BANK/HARRISBURG, N.A.,
Plaintiff
IN THE COURT OF COMMON PLEAS,
CUMBERLAND COUNTY,
PENNSYLVANIA
v.
Docket No. .:;; :1 - (., 3 7:J
~ J-..-
PAUL F. TIMMONS,
Defendant
CONFESSION OF JUDGMENT BY COMMERCE BANKJHARRISBURG, N.A.
AGAINST PAUL F. TIMMONS
Pursuant to the authority contained in the Warrant of Attorney, a copy of which is
attached to the Complaint filed in this action, the undersigned appears for the Defendant and
confesses Judgment in favor of the Plaintiff and against the Defendant in the amount of
$5,113.56 plus interest accruing at the Prime Rate plus 1.5% l2IT annum determined by Plaintiff
from July 29,2003, additional attorneys' fees and costs incurred after July 29, 2003 and aU costs
of this action.
Respectfully submitted,
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Lloyd . Persun, Esquire
Sup. t. J.D. No. 10139
Mette, Evans & Woodside
3401 North Front Street
P.O. Box 5950
Harrisburg, P A 1711 0-0950
(717) 232-5000
Attorneys for Commerce BanklHarrisburg, N.A.
appearing herein as Attorneys for Defendant
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COMMERCE BANK/HARRISBURG, N.A.,
Plaintiff
IN THE COURT OF COMMON PLEAS,
CUMBERLAND COUNTY,
PENNSYLVANIA
v.
Docket No. OJ - C:,J 7.:1
-, :1
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-
PAUL F. TIMMONS,
Defendant
COMPLAINT IN CONFESSION OF JUDGMENT
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AND NOW, this ~ day of December, 2003, COMMERCE BANK!
HARRISBURG, N.A. files the following Complaint in Confession of Judgment against PAUL F.
TIMMONS:
1. Plaintiff is Commerce Bank/Harrisburg, N.A., a national banking
institution with offices at 100 Senate Avenue, Camp Hill, Pennsylvania 17001 (the "Bank").
2. Defendant is Paul F. Timmons, an adult individual residing at 1465
Hillcrest Court, Camp Hill, Pennsylvania 17011 (the "Guarantor").
3. On or about March 29,2001, Guarantor executed and delivered to Bank a
Commercial Guaranty, guaranteeing and agreeing to act as surety for the payment and
performance of certain Indebtedness and obligations of Performance Freight Systems, Inc. (PFS)
to Bank. A true and correct copy of the Commercial Guaranty is attached hereto as Exhibit "A"
and made a part hereof (the "Guaranty").
4. Entry of Judgment by Confession is not sought in connection with a
consumer credit transaction.
5. The Bank has not assigned the Guaranty.
6. The Bank has not entered judgment on the Guaranty prior to filing this
Complaint.
7. The Indebtedness owed by PFS to the Bank was not paid when due and
was in default. PFS failed to pay the Indebtedness.
8. The Bank demanded that Guarantor pay the Indebtedness owed by PFS to
the Bank. Guarantor failed to make payment as demanded by the Bank.
9. The total amount due under the Guaranty as of December 1, 2003 is
$5,113.56 plus interest at the Prime Rate plus 1.5% l2IT annum determined by the Bank (the
"Applicable Interest Rate") from July 29, 2003, additional attorneys' fees and costs incurred
after July 29, 2003 and all costs of this action. Interest continues to accrue at the Applicable
Interest Rate from July 29, 2003.
-2-
WHEREFORE, on the basis of the confession of judgment clause contained in the
Guaranty, Bank hereby demands Judgment in favor of Bank and against Guarantor in the amount
of$5,113.56 plus interest accruing at the Applicable Interest Rate from July 29,2003, additional
attorneys' fees and costs incurred by Bank after July 29, 2003 and all costs of this action.
Respectfully submitted,
( " I?e,
Lloy . Persun, Esquire
Sup Ct. I.D. No. 10139
M e, Evans & Woodside
3401 North Front Street
P.O. Box 5950
Harrisburg, PA 17110-0950
(717) 232-5000
Attorneys for Commerce BanklHarrisburg, N.A.
't.
COMMERCIAL GUARANTY
Prl~(;jplll~ '..,"';! '-4pilil 'Pqte:':~.: ':M.t!,\{Ity'::..;:j;:"" 1-08n. ND ' .",1,:' 'C.II~ColI' ../ . Al?c~un'J:..,. "'I.i.officer .j. 'Initials
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R.f.~.~ In the S/laded ar.s' ara for Lender's us. only and do not IIrM tn. applil:abnlty Of tnls doeumant to any perticlllar loen or nam. ---.-,
Arrt item sllov. containing ,.... has baan omitted dua to taxt i.ngth limitations.
B orrDwer: P.rf~~,mance Fralght Systems, Inc. (TIN:
~.~QQ.Q478) .
P.O. ,Sox 5006
Yori<, PA 17405-50ll5
Lender:
COMMERCE BANKlHARRISBURG N.A.
COM.MERq'A~ BLJS,INESS DEPARTMENT
10() S./.!NATE AV!NUJ;
CAMP HILL. PA 17011
(717) ~75-5630
Guarantor: Paul F. Timmons (SSN: 184-48-2966)
808 Wellington Drive
Carlisle, PA 17013
AMOUNT OF GUARAN'I'V. Thts I. a guaranty of payment of 100.0ll0% of the Note, Inctudlng wltheut limitation the prll1clp"al Note smount of One
Hundred Thousand & '00/1 00 Dollsrs (St Oll,OllO.Oll).
GUARANTY. Fo;r good and vilua~le consideration. Paul F. Timmons ("Guarantor") absolutely and unconditionally guarantees and promises to
pay to COMMERCE BANKlHARRISBURG N.A. ('Lende"') or Its order, on demand, In legal tender of the United States of America, 100.000% or
the Indebtedness (as that term Is defined below) of Performance Freight SyStems, Inc. ("Borrower"') to Lender on the terms and conditions set
forth In thhf'GUaranty~ Guarantor agrees that t..ender, In Its sole discretion, may determine Which portion of Borrower!s Indebtedness to
Lender Is covered by' GUilfillnto'r's pei'eentage"guaranty.
MAXiMUM uAeli.!TY. Tho maximum liability ~i Guarantor undor tnis Guaranjy shell not oxcoed at .ny one limo 100.00P>o/' oi tno. a,rr]Ounl of the
Indebtednessd~scribed herein, plus all costs and expense,s of (A) enf6rc~ment of this Guaranty and (B) collection and sale of an'y collateral seelli:fng
this Guaranty,
The abOve lirriilatiori on liability Is not a resttictiorf on the am9Ut1t of the Indebtedness of Borrower to Lender either in the aggregate or at anyone time.'
If Lender presently holds, one or moreguararities,or hereafter receives addition'S! gLiaranties from Go~rantori Lender's rights under., all >guaranties shall
be cumulative. This Guaranty shall not (unless' specjfically provided below to'the oontrary) affect or 'IRvalldate any such other guaranties. Guarantor's
liabUity' will be Guarantors aggregate liability undefthe terms of thiS Guaranty and any such other unterrhinated guaranties.
IND~BtEbNESS GUARANTEED. Tho Indobtedness guaranteed by this Guaranly includes tno Noto, including (a) all principal, (b) all intores~ (c) ail
late charges, (d) aU lOan fees and loan charges, and (e) all collection costs and expenses relating to the Note or to any collateral for the Note.
C6lfB6tion' costs'ana ekPeMses Include withOUt 'limitation aU of Lender's attorneys' fees.
oiJRA1l0NOF GUARANTY. This Guar.nty wllqaK~ .affect WhOO r.caived by Lend.r Witf10ut tf1e nec,...lly,,1 ary accePtanc,~ by 'L.rl(j.r. or ,a.M nbtice
to,~qQJarltpr (jr to, eorrower, and will contJn.ue'in full force un~1 aU Inde~t6dness shalt have been fully and fmal,IY,Rf!i.d and satisfied and all tif G~'1tot's
other obligations under this Guaranty shall have bean peiformed in full. Release of any other guarantor or termination of any other guaranty of the
Indebtednas's shall not affect the liability of Guarantor under this Guaranty. A revocation Lender receives from any ana or more Guarantors shall not
affect th~ !isbil/lyof any remtlJning Guara,tlt()rs under this Guaranty. This Guaranty covers a revolving line of credit and It Is specifically anticipated
that fluctuations will occur"lri the aggregate amount 'of Indebtedness owing from Borrower to lender. Guarantor specifically acknowledges
and ag-rees that fluctuations In the amount ollndebtedn'e$s, even to zero dollars ($ G.GO),' !Shall not constitute a termination of this Guaranty.
Guar.otor's liability under this Guaranty shall terminate only upon (A) termination In writing by Borrower and Lender of the Une of credit, (B)
payment of .the indebtedness In full In legal tenderl and (C) payment In full In legal tender of aUQf GLfaraotor's other obligations under this
Guaranty.
GUA,6ANTQR'S AUTHORI:zATlON TO L.ENDER. Guarantor authorizes Lender, without notice or demand and without lessening Guarantor's
llabllltyundC!l:r this Guaranty, frQ,tn.tlme to Ume: (A) to make one or more additional secured or unsecured loans to Borrower. to lease equiRment or
other gooqs to Borrower, or qt/le,rwise to exte:nd additional credit to Borrower; (8) to alter, compromise, renew, extend, accelerat~, or otherwise
chan.ge, one pr fJlore. times the time for- payment or other terms of the Indebte.dness or any part of the Indebtedness, incll:lding lnCrSflEi,Bs and d~creases
of the rate of interest on the Indebtedness; extensions may be repeated and may be for longer than the original loan terrni (C) to take and hold
security for the payment of this Guaranty or the Indebtedness, and exchange, enforce, waive, subordinate, fall or decide not to perfect, and release any
such security, with or Without the substitution of new collateral; (0) to release, substitute, agree not to sue, or deal with anyone or more of Borrower's
sureties, endorsers, or other guarantors an any tenns or in any manner Lender may choose; (E) to determine haw, when anq what application of
PElyments and credits shall be made on the Indebtedness (F) to apply such security and direct the order or manner of sale thereof, including without
limitalion, any nonjudicial sale permitted by the terms of the contro/Jing security agreement or deed of trust, as Lender in its discretioomay detennine;
(G) to sell; transfer, assign or grant participations in aU or any part of the Indebtedness; and (H) to assign or transfer this Guaranty in whore or il) part.
GUARANTOR'S REPRESENTATIONS 'AND WARRANTIES. Guarantor represents and warrants to Lender'that (A) no representations or agreements
of any kind have' been made to Guarantor which would limit or qualify in any way the terms of this Guaranty; (B) this Guarahty is executed at
Borrow8;r's request and not at the request of Lender, (C) Guarantor has full power, right and authority to enter into this Guaranty; (D) the provisions
of this Guaranty do not conflict with or result in a default under any agreement or ather instrument binding upon Guarantor and do not result in a
violation of'any law, regulation, court decree or order applicable to Guarantor; (E) Guarantor has not and will not, without the prior written consent of
Lender, sell, leaS;,e, assign, encumber, hypothecate, transfer, or otherwise dispose of all or substantially all of Guarantor's assets" or any interest therein;
(F) upon Lender's request, Guarantor wUl provide to Lender financial and credit information in form acceptable to Lender, and aU such financial
information which currently has been, and all future financIal i1'lformation which will be provided to Lender is and will be true" and correct in all material
respects and fairly present Guarantor's financial condition as of the dates the financial information. is provided: (G) no material adverse change has
occurred in Guarantor's financial condition since the date of the most recent financial statements provided to Lender and no event has occurred which
may m~terially adversely affect Guarantor's financial condition; (H) no litigation, claim, investigation. adminIstrative proceeding or simllar action
(including those for unpaid taxes) against Guarantor is pending or threatened; (I) Lender has made no representation to Guarantor as to the
creditworthiness of Borrower. and (J) Guarantor has established adequate means of obtaining from Borrower an a continuing basis information
regarding Borrower's financial condition. Guarantor agrees 10 keep adequately informed from such means of any facts, events, or circumstances which
might in any way affect Guarantor's risks under this Guaranty, and Guarantor further agrees that Lender shall have no obligation to disclose to
Guarantor any information or documents acquired by Lender in the course of its relationShip with Borrower.
GUARANTOR'S FINANCIAL STATEMENTS. Guarantor agrees to furnish Lender with the following:
Annual Statements. As soan as available after the end of each fiscal year, Guarantor's balance sheet and income statement for'the year ended,
preparecl by Guarantor.
Tax Returns. As soon as available after the applicable filing rlate for tile tax reporting period endf)(j, Federal and other governmental tax relurns,
EXHIBIT .'1A"
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COMMERCIAL GUARANTY
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Page 3
Integration. GuarantOr further agre9S that Guarantor has read and fully understands the terms of this Guaranty; Guarantor has had the
opportunity to be advised by Guarantor's attorney with respect to this Guaranty; the Guaranty fully reflects Guarantor's intentions and parol
evidence Is not required to interpret the terms of this Guaranty. Guarantor hereby indemnifies and holds Lender harmless from all losses, claims,
damages, and costs (including Lender's attorneys' fees) suffered or incurred by Lender as a rBsutt of any breach by Guarantor of the warranties,
representations and agreements of this paragraph.
Interpretation. In aU cases where there is more than one Borrower or Guarantor, then aU words used in this Guaranty in the singular shall be
deemed to have been used in the plural where the con,text and construction so require; and where there is more than one Borrower named in thip
Guaranty or when this Guaranty Is executed by more than one Guarantor, the words "Borrower" and -Guarantor" respectively shall mean all and
anyone or more of them. The words -Guarantor,- -Borrower,- and "Lender" include the heirs, successors, assigns, and transferees of each of
them. If a court finds that any provision of this Guaranty is not valid or should not be enforced, that fact by Itself will not mean that the rest of this
Guaranty will not be valid or enforced. Therefore, a court will enforce the rest of the provisions of this Guaranty even if a provision of this Guaranty
may be found to be Invalid or unenforceable. If anyone or more of Borrower or Guarantor are corporatiortS, partnerships, limited liability
companies, or similar entIties, it is not necessary for Lender to inquire into the powers of Borrower or Guarantor or of the officers, directors,
partners, managers, or other agents acting or purporting to act on their behalf, and any Loan indebtedness made or created in reliance upon the
professed exercise of such powers shall be guaranteed under this Guaranty.
Notices. Unless otherwise provided by applicable Jaw, any notice required to be given under this Guaranty shall be given in writing, and shall be
effective when actually delivered, when actually received by telefacsimile (unless oth~lWisa required by law), when deposited with a nationally
recognized ovemight courier, or, If mailed, when deposited in the United States mall, as first class, certified or registered mall postage prepaid,
directed to the addresses shown near the beginning of this Guaranty. Any party may change its address for notices under this Guaranty by giving
formal written notice to the other parties, speCifying that the purpose of the notice is to change the party's address. For notlce purposes,
Guarantor agrees to keep Lender informed at aU times of Guarantor's current address. Unless otherwise provided by applicable law, if tl1ere is
more than one Guarantor, any notice given by Lender to any Guaranlor is deemed to be notice given to.all Guarantors.
No Waiver by Lender. Lender shall not be deemed to have waived any rights under this Guaranty unless such waiver is given in writing and
signed by Lender. No delay or omissIon on the part of Lender In exercising any right shall operate as a waiver of such right or any other right. A
waiver by Lender of a provision of this Guaranty shall not prejudlcl1 or constitute a waiver of Lender's right otherwIse to demand strict compliance
with that provision or any other provision of this Guaranty. No prior waiver by. Lender, nor any course of dealing between Lender and Guarantor,
shall constitute a waiver of any of Lender's rights or of any of Guarantor's obligations as to any future transactions. Whenever the consent of
Lander is required under this Guaranty, the granting of such consent by Lender in any instance shall not constitute continuing consent to
subsequent instances where such consent is required and in aU cases such consent may be granted or withheld in the sOle discretion of Lender.
Successors and Assigns. The terms of this Guaranty shall be binding upon Guarantor, and upon Guarantor's heirs, personal representatiVes,
successors, and assigns, and shall be enforceable by Lender and its successors and assigns.
DEFiNITIONS. 'The following capitalized words and terms shall have the following meanings when used in this GuarantY. Unless specifically stated to
the contrary, all references to dcillar amounts shall mean a.mounts in lawful n:toiiey of the United States of America. Words and terms used in the
singular shall include the plural, and the plural shall include the singular, as the context may require. Words and terms not otherwise defined in this
Guaranty shall have the meanings attributed to such terms in the Uniform Commercial Code:
~. Borrower. The word "Borrower" means Performance Freight Systems, Inc., alid aU other persons' snp entities signing the Note in whatever
".' capacity.
.);;1' ;. GAAP. The word "GMP" means generally accepted accounting principles.
Guarantor. The word "Guarantor" means each and every person or entity signing this Guaranty, including without limitation Paul F. Timmons.
auarariW: The word ~Guaranty" means the' guaranty from Guarantor to Lender, including without limitation a guaranty of all or part of the Note.
hidebtedness. The word "Indebtedness" means Borrower's indebtedness to Lender as more particula~ly described in this Guaranty.
Lender. The word "Lender" means COMMERCE BANKlHARRISBUAG N.A., its successors and assigns.
Note. The word "Nota" mea(ls the promissory note dated- March 29, 2001, in the original principal amount of $100,000.00 from Borrower to
Lender, together with all renewals of, extensions of, modifications of, refinancings of, consolidations of, and substitutions for the promissory note or
agreement.
ReTated Documents. The words "Related Documents" mean all promissory notes. credit agreements, loan agreements, environmental
agreements, guaranties, security agreements, mortgages, deeds of trust, security deeds, collateral mortgages, and all other Instruments,
agreements and documents, whether now or hereafter existing, executed in connection with the Indebtedness.
CONFESSION OF JUDGMENT. GUARANTOR HEREBY IRREVOCABLY AUTHORIZES ANO EMPOWERS ANY ATTORNEY OR THE
PROTHONOTARY OR CLERK OF ANY COURT IN THE COMMONWEALTH OF PENNSYLVANIA, OR ELSEWHERE, TO APPEAR AT ANY TIME FOR
GUARANTOR AFTER THE AMOUNTS HEREUNDER BECOME DUE AND'WITH OR WITHOUT COMPLAINT FILED, CONFESS OR ENTER JUDGMENT
AGAINST GUARANTOR FOR THE ENTIRE PRINCIPAL BALANCE OF THIS GUARANTY AND ALL ACCRUED INTEREST: LATE CHARGES AND ANY
AND ALL AMOUNTS EXPENDED OR ADVANCED BY LENDER RELATING TO ANY COLLATERAL SECURING THE INDEB'rEDNESS: TOGETHER
WITH CqSTS OF SUIT, AND AN ATTORNEY'S COMMISSION OF TEN PERCENT (10%) OF THE UNPAID PRINCIPAL BALANCE AND ACCRUED
INTEREST FOR COLLECTION, BUT IN ANY EVENT NOT LESS THAN FIVE HUNDRED DOLLARS ($500) ON WHICH JUDGMENT OR JUDGMENTS
ONE OR MORE EXECUTIONS MAY ISSUE IMMEDIATELY; AND FOR SO DOING, THIS GUARANTY OR A COpy OF THIS GUA.RANTY VERIFIED BY
AFFIDAVIT SHALL BE SUFFICIENT WARRANT. THE AUTHORITY GRANTED IN THIS GUARANTY TO CONFESS JUDGMENT AGAINST GUARANTOR
SHALL NOT BE EXHAUSTED BY ANY EXERCISE OF THAT AUTHORITY, BUT SHALL CONTINUE FROM TIME TO TIME AND AT ALL TIMES UNTIL
PAYMENT IN FULL OF ALL AMOUNTS DUE UNDER THIS GUARANTY. GUARANTOR HEREBY WAIVES ANY RIGHT GUARANTOR MAY HAVE TO
NOTICE OR TO A HEARING IN CONNECTION WITH ANY SUCH CONFESSION OF JUDGMENT AND STATES THAT EITHER A REPRESENTATIVE
OF LENDER SPEClelCALLY CALLED THIS CONFESSION OF JUDGMENT PROViSiON TO GUARANTOR'S ATTENTION OR GUARANTOR HAS BEEN
REPRESENTED BY INDEPENDENT LEGAL COUNSEL.
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VERIFICATION
I, ANGELA A. MASSER, have read the foregoing document and verify that I
have the authority as a Vice President of Commerce Bank/Harrisburg, N.A. to make this
Verification on its behalf and that the facts set forth therein are true and correct according to the
best of my knowledge, information and belief.
I understand that any false statement made herein is subject to the penalties of 18
Pa. C.S.A. 94904, relating to unsworn falsification to authorities.
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DATED: December 1., 2003
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COMMERCE BANK/HARRISBURG, N.A.,
Plaintiff
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IN THE COURT OF COMMON PLEAS,
CUMBERLAND COUNTY,
PENNSYLVANIA
0.1 - ~ 7..e.'..A1....
Docket No.
PAUL F. TIMMONS,
Defendant
CERTIFICATE OF RESIDENCE
I hereby certify that the address of the Plaintiff and the residence of the Defendant
are as follows:
Commerce BanklHarrisburg, N.A.
100 Senate A venue
Camp Hill, PA 17001
Paul F. Timmons
1465 Hillcrest Court
Camp Hill, PA 17011
Respectfully submitted,
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Lloyd . Persun, Esquire
Sup. t. I.D. No. 10139
Mette, Evans & Woodside
3401 North Front Street
P.O. Box 5950
Harrisburg, PA 17110-0950
(717) 232-5000
Attorneys for Commerce BanklHarrisburg, N.A.
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COMMERCE BANK/HARRISBURG, N.A.,
Plaintiff
IN THE COURT OF COMMON PLEAS,
CUMBERLAND COUNTY,
PENNSYLVANIA
v.
Docket No. 0:/- &.:! 73
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PAUL F. TIMMCNS,
Defendant
CERTIFICATE OF NON-MILITARY SERVICE
I, Angela A. Masser, as a Vice President of Commerce BanklHarrisburg, N.A., do
hereby certify that to the best of my knowledge or information and belief Paul F. TimmQ1s, the
Defendant, is not a member of the Armed Forces of the United States of America.
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COMMERCE BANK/HARRISBURG, N.A.,
Plaintiff
IN THE COURT OF COMMON PLEAS,
CUMBERLAND COUNTY,
PENNSYLVANIA
v.
Docket No. 0.3 - (; ':? 7.:J
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PAUL F. TIMMONS,
Defendant
NOTICE OF ENTRY OF JUDGMENT
TO: Paul F. Timmons
1465 Hillcrest Court
Camp Hill, P A 17011
You are hereby notified pursuant to Rule 236 ofthe Pennsylvania Rules of Civil
Procedure that Judgment has been entered against you in the amount of$5,113.56 plus interest
accruing at the Prime Rate plus 1.5% l2IT annum determined by Plaintifffrom July 29, 2003,
additional attorneys' fees and costs incurred after July 29,2003 and all costs of this action.
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COMMERCE BANK/HARRISBURG,
N.A.,
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PAUL F. TIMMONS,
Plaintiff
Defendant
TO THE PROTHONOTARY:
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
No. 03-6373 Civil Term
PRAECIPE
Please mark the judgment in this case satisfied upon the Defendant's payment of the
docket costs.
Date: June 17,2004
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oy, R. Persun, Esquire
LD. No. 10139
ette, Evans & Woodside
3401 North Front Street
P. O. Box 5950
Harrisburg, P A 17110-0950
(717) 232-5000 - Phone
(717) 236-1816 - Fax
Attorneys for Plaintiff
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