HomeMy WebLinkAbout08-2914
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION LAW
KEYSTONE NAZARETH BANK & TRUST
COMPANY, A DIVISION OF NATIONAL NO: os - aQI'?I ' L
PENN BANK, f/k/a NAZARETH NATIONAL v
BANK & TRUST COMPANY,
Plaintiff
Vs.
JAMES P. FAILOR AND SHANNON L.
FAILOR,
Defendants
NOTICE TO PLEAD
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 JUDGMENT MAY BE ENTERED
AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY
CLAIM IN THE COMPLAINT OR ANY OTHER CLAIM OR RELIEF REQUESTED BY
THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS
IMPORTANT TO YOU.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. 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
(800) 990-9108
71;
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION LAW
KEYSTONE NAZARETH BANK & TRUST
COMPANY, A DIVISION OF NATIONAL NO:
PENN BANK, f/k/a NAZARETH NATIONAL
BANK & TRUST COMPANY, :
Plaintiff
Vs.
JAMES P. FAILOR AND SHANNON L. :
FAILOR,
Defendants
COMPLAINT
Plaintiff, by and through its attorneys, Tallman Hudders & Sorrentino, P.C., hereby files
this Complaint against Defendants and, in support thereof, avers as follows:
1. Plaintiff, Keystone Nazareth Bank and Trust Company, A Division of National
Penn Bank, f/k/a Nazareth National Bank & Trust Company, is a Pennsylvania banking
corporation with a place of business at 90 Highland Avenue, Bethlehem, Pennsylvania, 18017.
2. Defendant, James P. Failor, is an adult individual who resides at 206 Marion
Avenue, Carlisle, Cumberland County, Pennsylvania, 17013.
3. Defendant, Shannon L. Failor, is an adult individual residing at 68 North
Middleton Road, Carlisle, Cumberland County, Pennsylvania, 17013.
4. Defendants executed a Note with Plaintiff in the amount of $18,000 dated March
24, 2001 for the purchase of a 2000 Shasta 308 Camper. A true and correct copy of the Note is
attached hereto, incorporated hereby and marked as Exhibit "A".
5. Shortly thereafter Plaintiff perfected its security interests by placing a lien against
the title of the collateral as evidenced by a copy of the Certificate of Title issued by the
Commonwealth of Pennsylvania which is attached hereto, incorporated hereby and marked as
Exhibit "B".
6. At all relevant times, Defendants have been the owners of the aforementioned
collateral.
7. The Note in question has not been assigned.
8. The Note is in default because of Defendants failure, refusal, or neglect to make
monthly payments as they became due pursuant to the terms of the Note despite repeated
demand.
9. The following amounts are due and owing on the note:
Principal: $10,497.87
Interest: $ 496.36
Late Fees: 28.63
TOTAL: $11,022.86
WHEREFORE, Plaintiff respectfully requests this Honorable Court enter judgment
against Defendants in the amount of 11,022.86 plus all costs and fees associated with this action
and grant other such further relief as deemed just and appropriate.
TALLMAN, HUDDERS & SORRENTINO, P.C.
BY:
DATE:
-'611 Pond Road, Suite 300
Allentown, PA 18104-2258
(610) 391-1800; (610)391-1779 Fax
ATTORNEY FOR PLAINTIFF
VERIFICATION
I, Leonard Casciole, Vice President Retail Special Assets, Keystone Nazareth Bank and
Trust Company, A Division of National Penn Bank, f/k/a Nazareth National Bank & Trust
Company, certify that I am authorized to sign this Verification on behalf of the Plaintiff in the
within action and I verify that the facts set forth in the foregoing Complaint are true and correct
to the best of knowledge, information and belief. I understand that the statements herein are
made subject to the penalties of 18 Pa. C.S.A. §4904 relating to unsworn falsification to
authorities.
Date: ,3a f 0?
eon asciole, ?VPR!taiSp?ecial Assets
EXHIBIT "A"
MAR-14-29-C8 12:02 VPYgTr1NF Rowse
:? -- - - - - b1W I_
' ANNUAL
'PERCENTAGE:RATE
r
14 Cal of'Ye
r
di FINANCE
. CHARGE Amount Financed
The Amount of troll DM tdeC
t Total of Payments
The smepntyou WelhpeOW 9WYou Total Sale Price
The hotel cut of year oerchmedo
p
C
e
t ee
a yearly rela The rigger amount the o you or on your behalf, have made all scheduled emanate. Credit including your downpoymerd
, credit all 01St you.
ors 1,607:D0
M S 1 1 F.G. g 1Q, 000.00 S 29, 61x7. i6 ; 31a,OBa. 96
Wake P@YmnlSchedule will be
ho. NA Isle Ammon of Pa mama When A
IrNea M Doe
y
Seeaflty: you ere SIIIAg a security Interest in the molar vehicle being
__j
S owEhesea.
Nenml • min h 8001
S M son:
If
PYm you aY Off early. You Will ml M1Iw to my a p.ndty.
Hlho Fqi: S Is 00 ...
, Lob Crew: a a payment is late, You wit be marked 2% of the portion dust payment which a late lot each month. It part or 100I?dNef Sue 10 deyi, BN It man*& dril l0.
See begw and any other Contract doetononh far any additional nddrmetion about nmpsymonl
relm ds snd adtbs, doronA any rteund repayment in Rd Were De tphqufad dote mrd.prspsyenmt
I nrm eegmlb
we in IF YOU DO NOT MEET YOUR CONTRACT
the BELLES. OSLirATRNt3, YOU NAY LOSE THE NerOR
- !1.17039: VEHICLE AND PROPIRTY THAT YOU
Nryle
HIM '
'
Tess
BOIIOHr WITH TITS owNACT, Awon
n=
You we MMV ON OEPMIT"M THE ASSI01U
e71Y1aI2 !.. ;rataauBl' laefi,+t? ]qFL'• 7f?N' >!<. a7NteiiliG. >!? 1t7LLta•,•
BWER
thi
m
'
s
s Cb*od is Ofta1 MAN IRd liter. AD
?? a+pie eve f
It ¦'ri'.'? ear •?+an is
(4 _$5131Ne?I Z tl?ileY]tR +
„
thickimmeek; m Inge hmp nleee IN W. leax
- natN(y Addrra(? by rAd/lN g
aWpt Sfs CIeHd b M ANIOeaa
N OM m more then ant Buyer, each taeream, swritsy and byeOpr. to pay all mere disk viand to perform Ie a01nApN b Mb grWRL PomlrAtlpn Mm/INL I Mtedd
TIAOE-IN: Lys! Im
You ban traded in
s ers11 p>lsYYl
tAa
w
" i 10 900.00
,
I" sMMng vN
pea:
20 IT 7
P
YrrarpNohe DeNNpgOp Cash DWWPpeymmt '
p.a AdYnCa N Still ship! en en tahlr)I yW hen tadld m, the Steer wN pay IN doh mmonl w ywr MMaN, Ym wmnm iM nmWma bated
my pedearl istree beer lion. CWm, mtmudpbrmtoe rmetersy isrraL wept oo Ihown N lee RenVpdm N AIpuM TY
'l S 290:49
ImdNn
arRas a W
bo AYdf.
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mwm
ewnmedp d IN Yehfcle b tlts Cerdreri nu are aemsbt te r n the y
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4
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ow
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huonna us net
met be provided adea haf rF be dKAla a?GdN aM wfl
eu ,
,
lJen PeyeN m':I M)t IStDP
PRO
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M nod the NOTICE i
M
en to hewn l tidy Your
iew nee didneel
or
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i
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s
e 6.949.69
e a
or pd
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I
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laD
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BP sieaing yon sehcl Single keel tiN Inmrr
w s 1T 93.D0
e
l. Whathyour By elsrre raeeYct Staple Creel AodNnlA WtaiLyour To6ndNAM(aCplpepy
w" -is I , M/A apt __ Y, ri
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WMtme Pomrdess
'YAmlpp to be
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To
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i-
b* lumni W a W for Jpm Cnd tile, Irrarlrrlr 51pr1irrw /f bdh llplra b bo aM Hrkinl To
.
CreddArNwlAHesMllnsermm R.v. nn
T
Insurer
s o
M/f
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d
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"*v 200R.'Bms4A •302 SOL P= 1T22B61BDY990330 l9e 000.00
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, X22.6G
S 11
midi _ AC. _ P.W. _ Af6FN Tem - Vinyl Top
ASSNNEt We may sots dat Calaaat Rd S+PMIy AOsaaernt to a mlm Anna eampl dy Which Is the'A»irem- N ft Awfeaee id
as
th
t rt
TIM Of Poem te (Fiore IWBW41
S 29,402-56
e
e
b I ah meant "Weld, IM Wr§Lw I meant to Rich ahdot"A x 1 Near gas mglinme , so ril is and bsmfiea of Do
"for be ' Denhece MA lieum SIM
b AAr1lAUpt about hlbl
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b
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Grant iihlede - YIU agree to
Fay
??N r "M I`.. '
a
1 In
10111
rcdlhH by Ilea Assignee. TM AdFIw WE nlgfy you when
R• ?; •t r .?
' to a Me Anaud NMlced oW kete" a
NATAREIH NATIONAL BANK AND TRUST COMPARI', NaYxlfh, Fdon five ie i3a tqq
aymmds er s 256'_74
P'Alfa/WeiSTWll tne'Cbnl(IIMf Adnlrlewt•hlblrplmllan Moir am tetra'mineral C"goorm.-Aprisupell U-01
ag tun due tied to Perform d ogrmmmlf in Ihi Conhlnt
Ov-Slprer out me be
s
f * each, see 11Pa1 me%LL
-r- L4' ? iny a"
.
Am
ooner o
a bell
CO.ONINNR'AnypersonIlgnMgtheCsOwmer'eSmdtyApamhmtbaboogivesasam=14ImemialInDaVehi*a
d
penultseebeder s +R/2111/2002
n
aerlmImpartibly aM
7Ia * with Mrm and WYK% a P*m of serMwisdn the SecuriW Agrmment Rd ON other pub Of er8 Centered except the
romise
Mum. "' • . and ram aWamm
TOn the arm then M the Imp Ilavs In part of this Coooncl. ern be dos N thal mom dlyvf eons mIntl-
'
meowing
Ir002E To PAY: Yom on b Pay a W Tsht SNe Prop. per pu Y try nude{ the CiO KCtrRM AArMptI01T : Ye Imure tra,..4to?,..d oe a/ny!vod II(e e,._.:_,_ , maims pf all
?!w,!pAP!!At raid ? Iha Trab•IR isYnn ahata m r hen h date d 0'a ?. sal amuse ehduaAns oeev rse rw ..
Inch meeM,a dea ore TROM ea lNdmMMM I Art The As;Iri may ietdfiily, iSrelrll? der
a erds ew t'rm ?I 11(1 wldEf ANAet Age y 01 frost oA deDA7It •WnI* Mo
alp W* be pry aeItmlams MR M' ? s non Or m IY All 1111 dApaArr WAh Aafpae by
n& doeHiderNis rh?ff'Hoe rM'%SMr d yep. - -7-1=9 ROW, We AAm m ern the veude b yon under W none Of tide CwtnhL 'NOTICETO BUYER--DO NOT SIGN THIS CONTRACT IN BLANK. YOU ARE
ENTITLED TO AN EXACT CO" OF THE CONTRACT YOU SIGN. KEEP IT TO
i^ • PROTECT YMOU LEGAL RIGHTS.
oaf rdo,.er?lrLxi4a_nmbnCa Tee , , eUreff d 0? 9/R?/a9r
uu ,
tr - •wsam nW ,.wr•.,,.,rr ipITyAR ., „ ...,..•., , _ .., READ B r
cay.macPtw; YpU ISOYLD BRAID TB9 NoflCE TO c"tchl8B, g7DCillijw MN 6TvBN To YOU ON A SEPARATE DOCUMENT DWOU
FSyMNC ansAdArrmaa .
GprNAGleS R3 ACBaMAVT: AORAtIaABPr,T' Yop-Acs /tlI (or penpm).eB be" ?s "C644-1s peck!: ra PAY no w W sums dot 0. title Caetram earl to Prfom all
J/•eoj
pp in this Chaises. Yo. Warned to Cry Isolated by the law of teals CantRoeL 4paeately sad wAeslar, wftb the 8vyer. Yale we olb d s to Promisew
Pn
hpe J, ed,,nA W'w Ceatrock'i.ih'ths ea.. tho.ph ere will Me the'P"Nsem a daily for Lhe O.y.f'I bo arlL Yw agree W Pry area though wi' may non haw
i'w:ds'any prior demand for payment on the Ruysr or emprousd our Security lateral. Ymh a!a Aeanowiedge tateNhLA a Baugh ad copy of this Contra.L
,•? tdeor rgnu.fe dEAL
n% .. Address
ash
17 _ -tea..- Addrma rp?
ss.r.uw ".JWWURM AGRATiMRNTt you, the anon tigrmg below at "Co-Owner, a why, ms
jhw W a SWasity I.M.S. in the Yehide bkmiried Ab-. You airme w be bound by she t?? or moo all ome all of of d 0ltlms of the V tee the
MMiNTo Par station. Yea Ise erms of the Seared AgrNaxec moo all /tbm row of des Coooeam enoep the
givbhg eA l oaa: dty u ACy hih Might make Jti1 Gorier r e le Ir.yr, aM b rooun Lhe wyanM by da AYy.r of .n roof doe
on rsil C.nlrna. You wit not bempomibkfar ray de oey which ckiyht he e Joe aRcr rep.neai..allea axis e<der Whide
CoOwser't RyamYR (511A4)
B g, Add- Data
A? WIN IM N CO-OWNER PPLICA NOWLEDGE RECEIPT OF A COMPLETED COPY OF THIS CONTRACT
Ir.A??S?YASN
07 5847 P.03
MAR-14-2009 12:04 KEYSTONE
"Ameum nnuncen Ann rhe-nnenee unarge. me rmance warmu eonamm wi, YI u, w1m
jots puled dally on the, ouTStopting hAbntr of the Amount FbarICM. ]EEG, SrAarcm CfjarRe
own op the, tsgpi a AAS be A c9TP adp(I thprhlAVf!Ylivat Unif At will'"elve, All
ymenls00theirta We?,d4 stet,
2. eoRPIITIND Ina ile'g ,y,l1 Anne interest on a dairy bads on tttc euUlandm¢
ilanee aWjeel to interval on each say of me Wan tom low daily Interest. rate is equal r fie
wl Peranlage Rete divided by The "want or of oars to that Calendar year. Buyer agrees
1 because Intrust h calculated on a daily basis, tar payments will result in add III I
Fnbm land, aI fQP4 (y ?,lele great. Early oalmanr "A ,?€s?l too being
d071N70.EaryanoYOYWlelidithendl'c7useUaammnlOflAi ml Ntglfidclwn6,
a 3. LATE CNAAGE: Buyer afyces to Pay w tole Charge for any payment net made wilhin 10
Were {her its due dale, The Iwie cnargm .B he EH per month an one OW amount of the
spa fit We wid ebulider am part to a month in exeem at 10 days in hd'it full month. The
sale merge win be due when earned. he into Marge will be due le IN reason that the
(s bu a lec&no. after default„ owee4llr0 ouugg" F$Whte, ep Ibis Concoct is
OL No bit Charge
rge will be doe if OA only reason that the pymrAis tole s DenuIs of a Isle
P P on AO either payment,
f 4. APPLICATION OF PAYNENTS: We wd epoly payment in the (odawiog elver of pdorhyt
IIW to inlmst antl then to till eharlie , Res, Dsinclpsl sink any *a Amounts-you ewe in
JAe 8*1 NRI wa choose.
U ,ri5. PAMTEF)IT: You may p mPAY. In fill or in part, the OMMI awed m this Conflict It any
CWIPIoot pnelly^ It you, prim ay la,tlenlract in oert you • erde to tonlinut tai
reaulerfy.sthtdhwW Paymmos until you pay all amounts due order this Millet, The will
seduce Nis number of payments you Ale 111eke.
g.WANM. UOCJ: M (yaurdemuloAB
7. WAIVEA AY SELLER AND ASSIGNEE; We and Asdgpee wive the sight to In e! any
Pre" U Astudly toe the eymmt of III yr ON
?ld?m?e?dd ? shat
SIV*M ONYmthlrndInlhaComnl lrq A19 rrAlalsiAlE?ha.BefT
D they kl OUTER.' (O. having I. Y Are pyr?nyy?t
or ohvtn they are bite wl I Our hwN
dwu may to Ace
)altiboYl doh at we
neltlyiAR you in gdYANdt. [o TV n1m You give up any dRM you may have Is requa! that we
shire our'atRhti sNlAStsoefeaUlft•peawwl or f ropnY belorm we emblem cur awdws ig lost
you. You spas Uwrws only 10 If fight Aga Weydroa Gone Ilonon hill not agaknl YOtt
I rr. wasp due di' Cap n WfetlbA imp sit delenm Owed on auntyabrp and mpirmcd of
cduwRA ale . Bi
7. INTEREST AFTEN•BATOSITY.AND JUDONENT: interest at the role pravkta In this
If ' e to secret lie the unpaid Monet OW Paid in built, even after mstmily
e ?tpcc?epL igelnal you for Ile amounts due. Thin WIN apply even if line
?mw uLFSNaccebrelton if at dry time !Merest as proceed for in this
PArgnPh 4 not permitted Iry kw, ietensl shell accrwc at tea highest rate veeleed by
ur -- 1-1-
OUR SECURITY INTEREST; You wR dot oamdt $ pm e01er
hell-orglhw lift,n goal Vehs1a You joint IS filing left
BANKS 619 807 5847
Illwmny P.Y-, e. II w Iilwlwe.a aIM 1YY W lawr'YIe,wWwy ww„w..n,l
MOOINY•PAYMMLY,,wtcun'CRmw Ine #"gotOf NIlyPpmtbemt and haw INEEMhlip O
spay; It may of ew dgMa.su?(Md in thus oanQriph neat piugf ed•byllaP, a(ly>tlage:dl .
other, uplta naeaelelied. Our ba1"on year, beheN are 14,COR owl un to Worth
your pmmra in VAR Gntrach
12 DEFAULT: In line par19rl1h'YOU" mull the Buyer. CoSywm and Co-0emer, or any onq
of them. You will be in "old r' of the Cottract a any save Ar Asset due haawng thuY!
happen: ?g?p?e?pa ?w wys
tw,
G Y
cadbliAhNhaMfssa?maaam08w••r. ee .s
vnU S You d AstlplxC Of any pfd You NO In smmher Contract Note, Loan or Agreement
d. YY?Opoyume "u*wwWwwiRgmcm Aspdimrm.hwlArCminetar
LjYYd "lmwryinCwlkAteonwlmLhr or
t. of a grime boosting MWMIIGwiy, or m Bill by a own
with jurisdiction to de to to be nlcepdWed; w
& You fill baAbroplcy or Insolvency proceedings, or aphw leap Cks tpoknipigy of
WMNwley' pmuef9ap Against you: or
h. Yoe Din the Valliis abide Ike United RK" d Canada without our wrivan consent
or
L You use to Vehicle or slow smeone via to Lek Ina way malealea t pd w be
wama,by,purYulmamow lit.
I. Yen Oo awAObhg thel mum tie Vehicle r be sAlofret to mnfmcwlaq by mhvy rapt
mak
it, or?dyepq alineYRIWroyeg
fdr15 Wr$1F gppyDlRF strMheyovid tonal npliY,l#nd not
1. Another cmalot oem N take roe vehkle at your mloay on depolN won "gnu by
Ca??p+?.1/A mull d tic
war nCad
mMiond to dtir CatmcL We may do one of thew dents and At the same time or hen do
0
rWlher. Sam of she miner we may ooam the Igl MIF
a. ACEHERAWONr We an dwr.lid Mat yw pay to us the enlsn amid boom owing
on the Conrad and M unfair Finance plwyw ead other money due. You agave that you will
pay Ws wmey to us in one dgecryppe?ymenl ?IaemeeydrfyMyy yWon re etrtAS ourkbydypRm.
III, REPW, 11pelWeWagl r EYlyfyiAiygg nreem OfRCIN We can do
eA4 oar"stea Ron aw "A do R d'IWer by
repmin)
do R for Ile; Tow pipes last we can pawady wore In le your property to do ft WI wait
use way other U*WboW in this, veNdr, hen soil reform ho Unpaa rou l you ask U you
will Mew lamp GCI, Yb+ Wu In ink As in e MW ALAI ID AS by mUM mail w*in 24
doors, d YbII do notaend a M's hlRer, )wR.tNhlpFany delve le LfierLAips. Yop Apes Ntd
MPMI tan en mwtdkw ear AAconty I*ng In Ile Vehicle. You will assist a
stCYMY,Inieaftl roled,oq Uk GlOtoale of isle to OrC Velilde. You will net no
YdNiGtt
it
Iff sdMeene Wte 7 Non W the Vehirl
N
A ttrlrmpl[ p,ce. TealtSroem??ee lid Ills VlIBCN N Aw slut.. '.. •.
d. DELAY ;IN ENPORCENpNI! We all delay odoadat our 01* mover this Contract
ri
llti ,
Neing clo
,
, yon w
pay l
e abliedien ark
S e S . T•! y
g
NISESANOUT7NOVEMICLgYouwithlca oldWN49in14w,uoow-am 14. 30( TRIM YOU SHOULD KNOW If WE REPOSSESS THE VERM- g we repoween
wieautusnpapaawallwld((pelByN*Vinl:-
I pay IS toss and tlyrpeodo 11(0 Vskic10. You with pay aY owfawAroB'fapyhalg,
u wall not sbuwdW VaryiAle or dumut anyUdy n be ailing to the__??edlnMidse which i NONCE: we aN wA? yea 7 lawtia d NaOOmsdort to your lest mgdlelo wa know apour.
This Noun will tell red, how to our bads pWmM Its Ythow. You wN'N01'nova the right to
vllydtWhe( Ilan Its eoawl west and age, YON we and we Uw Vdu* for
a oprt b4ir *W. You TO not mow The Vehicle from your $Nfo known on
i I aUle the Context. Thr mum you will have to pay the bit balance on the 0wdW sod
Color Amamnla due. You may NN Set Ma Ve" bark by paying OW4uent Iatolhavah This
Ii
ContnU to a Caen pempnem place of Stinging without notifyinN us in Roue Me No you NAw information rpuind 4 we,
WISES ABOUT INSURANCE; You soil lop the Veh&Lnid scend 4m. O REDEMNN: You have the rldi b boy b?ood? llesdewel Olo'Vahicr wilco 15 #eye of
fie O:m d the lJoe snd at any tiller am= we son thAl Vehhde. N you do sod
Bon until All Alms due a m Paid in IL4L The kanrsnto weep mu it be redeem. Pau give W d denim to ono Vehicle,
Ur and crabber your, mad our interests it the time of any Insured tom
must some we OF " Wye," m the policy. The insurance fault be WANen by c. SALE: If you deo4 n 4 we soh see the Vehicle The money lkm+M N aide wN be
used to pay mW and Gomm"s you are, and then to pay the amount you owe on the
Cnpmtly_gaWiM b dobrNijlcss n Fenrwylvann sod leaned Is d rwonu
m
lT Contract
Pabtarrmr
p?' r
y Priced. The kerns we policy must provide a
Ii1MB pa adNen,rpNce of any ameWan or.mdumrn in omvrw On
INMBeha[ M4Palld e0helor evidence Of mignon a nymp to as
In the . d. StAPIW OR DLffTCIENCF. N them r mwAtY woo we mW pay R to the Buyer. U Ihem is
aI enough moaPlml too ear to WY whet You M. MW end 00-SVW *" n Pry What
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of raerAf. Yk the euY pod d tae an ark assay us In win irp and file a
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e, CiPENwa; Vial spft b pay the eau d sbPooaI IM IL WOL fMihPg, Praprmq lot
the
ur sod he •
FBR ya ?,p any cMAlt drat or NNar mwmmem we AmIs in
UR!#9OYk reason imunme-
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l sow and seeing The VMicb AN my he vowed by late, Tram comes will mN be dal 9;
1. DehuftUMN Ma 1151 ay& at d¦ mfim d TEpOAISSbm
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e may app
Apiuo to mpNr or RplmalIgo Vehicle d, in our Coimiwl, n is economically
m rm not than an dbfadl Wrier this Cont"CL Daff"i'
l
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we will ap 2; Tod sapmA dmN m zWik n snd s mm* ird
d. We two prow ms of were pill,
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code to mutt Memmmm due us '•
MA 15.NEIRSANDPER60ARLRFPR[sQTA71YpIOgfW:Albrymdadh4Side GwdapdWl
be enlo
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lojep be Vlach ill Road wnditiom sod Iepdr, we may dvwa any
4 , %
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Ul. BOVEIININA U1F TNs fedred '?? Iw4d?d+
17
SEVERABWII'
ay. 11 youtdl.le kmp your.mamim about rewind inismance, we .
OF ROTS
NS:N for any nmwrl any Pan at this COMM[ Msated beam
m
sway to oM oM Amwrence N cover Im ale damp to the Vehicle. We haw me a a at anwfo
IWA te meft thm pal eMll rot be iipan at the CmawL
RNIa slew advance sty Away fin bw wpm. Smelt wourana will be to. AM1MMM NY N Vkk Do?w ad not n+so On Gnrmi. '
M rcarr Ihan Yw owe coi Codracl. THE INSURANCE WE
Y BE SNNHF?CANTLV?AIORE DIPENSPIE AND PROtAOE YOU LESS COVEARCE
YpI1C0.1
9: TNEBE SELLEN? Mum OR R
'1 aY
gfApRABTIESOiR iAB AND fITNON'Al??R11CYlJ1NB THE
-P-APm`kYE YWIN _ UNLESS' WE HAY[ N YOU *690 11RATE•WRITTEN R In RPOSE.
We will odd an stpe TY OR ORLD$ SELLER
Yu any aaY an Cate en your hall to Ike halenee on which we impose ENTERS INTO A SERVICE CONTRACT WITH BUYER WIIHIN W MO THE DATE OF
Finance Cmr4 tits Annual •ictAmP Note of that Conflict. You merle to Point the JIOISCDIENACT. .,
_ i 6uiid?pp w"ap?qmf r. lithe tar which is described an the face of this Contract has a Buyer's Guide Window Slicker required by the Federal
6OmIIII61FUrralk Reguhtial Ruld 1hwfollowhtg ngtice applies ' -.
,L002kssTRe lgaradionayarwe on the window form for this Vihicle ii port of this CoBlfaet Information an the window form overrides any
contrary Provisions in Uy'lgitfict'of Nil.
!NOTICE-ANT,.HOLDER, OF,TKIS CbHSUMENI'?REDIT CONTRACT 15 SUBJECT'TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD
ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HER11 OR,WITH THE PROCEEDS HEREOF. RECOVERY
HEREUNDER BY THE DEBTOR SHALL-1110,1T EXCEED AMOUNTS PAID BT THE DEBTOR HEREUNDER.
--, .. , •., . ' caner air rawhurh nenhv uenunwr „
L slosh such type of onverare will be i
Ilea rcqu"I bin mmh irmr&mL Too server
MPaH adhewfed ao ear saptro lea the or
seared deprrEN "I"U"CSr-d IRSPMCe
rw? laawsandAssMiiUoon.highly ?W Wt? nolYmre indb,p Atklo 2 onthe Atalotto
Nd"W, site and t4m,goswred thereby IN AIt01Yte, free of oI111<nA acwnbra a and security imme, led m
Plum m ago Iweeid. Are" trap Ine sda d the VNirle Nrwan down", a uos
and esta.egi4ment is complete sad "sect the cash oawnpoyaant std/a badd4n &Amoco W
lord! MVMeM OYO to Sups at rare Of 'similar P4m rim Inn w4o.fM BYavr Oww w mew
OtiflOlf tnddnld'n true: theft e`owint thereon the-Amourl FilonOed 911q wtdlW rr me sale
FeePaylvada Molar Voi nin Swiss Financo Act and have daily CAmphld with all fegYtrements IMmt
iotho r ledlyd or state I", rule or MpiUm Applicable, b this Contract amar veldcr MW wnifCl
ArompRy: aae rlPwiritlen of the Vehicle has not been auspmded and Ye Segel NOM of no toed'
veadma ame:1 Respwgibl Act the Burette) amid in Ike airline Cvntrotl is (arc) penonely its
ho this Cent=[; sad Seller his no knowledge el lads imlrarme Ilk: validity or tome of the Conrail.
Irepunehase said Contract from AsaAMet, CA Osmanli, and aka pay mrererL in cash, ow amount awr
,eadaite, arid shell at affect Any other light or Wpegy that A[deman Idghf have at tow or in ear
hmrader on the aniion. chiral Cleat Or v !Led. lose the Velitle is detective, ml as mnuoled to
1d Seller a manufacturer, Seller arroft that. on Delag advised by Assigaa of such clam o(Be
Wmeftbto fa Accordance with the repamhaSe elms set lank below, end Seller tougher arras to h
add eapwloes 14CvrK n dNepding agotnM Chem as"bled by Buya and inci0 d
n wranucs or reweaafte MWld be WHOM it any Now. geser shell
COMPukd Is set bills below, tad mid rmody shag be camurUve *was rot
Slifer. In Ile evert pal Buyer lair or fWum b nldlo met paywati due
by Sister. a tiet $oler M4403 b hoar spy waterfall a service ov"meal
WIN reprchA" the Conrad from Amipra and pay AANRnw bin serve
e narmlen note any odar dams of Buyer, Immnt wtormew awes, mcli
iawfrylte 0A emu br re lent w p.reeAto made by Bayer to AUWW. is ow Soler spdrama lA puA AmN property
b1AAN 01.010 Buyer, end that inssli is camWbdlby the ilsurwce company prior to it shadow esprawls dale, Senor tail etmwf R pace cmolambb coverage with
another irmwlwte corpplny OR beludl d Ito Buyer. If Seller r unable to do w. Seller TWIN nody BGYw said pay IN Buyer any m W" cook bcerRd by Ile Bush; in ohtouwg
rOpimmrt Insurance for the uneepnd mosi the erialr d insurance Policy. BY ddnarn&Mr (bonnet n,lk Asugnee end stomach" paymml her it UNP Authorities, dal A2L4m b
complde or correct If* ioenUlicahm of the As*me is this Assignment to toile" fie Ira Assafeee who pouch" thin Cmlrac, hid/or to stun Sellers Aare to this Assessment. wWmul
mcoww, if the Averment has been de ivard w9hoot Seller's sfenalure,
In the event that Sober is required by this Aswgngent to repurchase Ine Canted and/or Vehicle. Sailer shell pay to Aswmree, in Cash, the IWI unpaid balance of lice Contract as of the
dew of Iepmahao, okra nor Own derives rlnanae Charge and any and ah costs and Callum paid w neared by Asefenee in rbledet Ihnle, maludinl reuenake dbrweyr lava in
tgTrn"t4ep nth Claims by at Against any Buyer, Owner or person in pawPpn of the Vehicle an0/Of by At scalier 14101.
( 1Sbi Vilw receiver, seller henpy nk sawllrss so, imom uMa'Be Asso-10. As Agmasmn an asdgq ftwllm do Canlric4,sh menyf ova and to ,bxwoe dot Ihbroundel,' an ell
INK Alb slid Iroadet to and b the Vehicle Margin desentow, won lull ppWea in the Assunwo in is or Caw owns to take such legal or other active whisk Cat dtelN here nlm&un fa this
hssieentenL Unless Seller mama enthral of the aedooement below, IIUcd "WITH FULL RECOURSE' or "WITH REPURCMM Seller's asuemwnshelf, empol bwthe provisions If. c
n.-kr& relo .1".,vv .1 ^ 1- ritrnnn Term- I , U
P.04
TOTAL P.04
NDTICE:SEEOTHER 319EFDNR/PONfAN11NE0RNATNIN. '
11 ; • • N ,PIIOMfsIdN,RE1.dweS,fIDs PAItf OF,TNE PENNSTLYANA NDZ'R VEHICLE tNSTALLNENT SALE CONTRACT gEMEN THE BUYER AND SELLER.
TO I lea you, the "AAmcead' IdanN M o Ilav IIh's ?IOIINERT
M?
W Cl
C
cz
CASE NO: 2008-02914 P
SHERIFF'S RETURN - REGULAR
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
KEYSTONE NAZARETH BANK & TRUST
VS
FAILOR JAMES P ET AL
WILLIAM CLINE , Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
FAILOR JAMES P the
DEFENDANT
, at 1913:00 HOURS, on the 28th day of May , 2008
at 68 N MIDDLETON ROAD
CARLISLE, PA 17013
JAMES FAILOR
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
Service
Affidavit
Surcharge
4le q16 P L?,,
18.00
10.00
.00
10.00
.00
38.00
Sworn and Subscibed to
before me this day
of
So Answers :
R. Thomas Kline
05/29/2008
TALLMAN HUDDERS SORRENTINO
By:
Deputy Sheri
A. D.
1%
CASE NO: 2008-02914 P
SHERIFF'S RETURN - REGULAR
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
KEYSTONE NAZARETH BANK & TRUST
VS
FAILOR JAMES P ET AL
WILLIAM CLINE Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
FAILOR SHANNON L the
DEFENDANT at 1913:00 HOURS, on the 28th day of May 2008
at 68 NORTH MIDDLETON ROAD
CARLISLE, PA 17013
JAMES FAILOR
by handing to
ADULT IN CHARGE
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
Service
Affidavit
Surcharge (?
(,10'110-" L,; ,
6.00
.00
.00
10.00
.00
16.00
Sworn and Subscibed to
before me this
day
So Answers :
R. Thomas Kline
05/29/2008
TALLMAN HUDDERS SORRENTINO
By:
Deputy Sheriff
of A. D.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION LAW
KEYSTONE NAZARETH BANK & TRUST
COMPANY, A DIVISION OF NATIONAL NO. 08-2914 CIVIL TERM
PENN BANK, f/k/a NAZARETH NATIONAL
BANK & TRUST COMPANY CIVIL ACTION -
Plaintiff MORTGAGE FORECLOSURE
VS.
JAMES P. FAILOR and SHANNON L. FAILOR, :
Defendants
PRAECIPE FOR JUDGMENT
Enter Judgment in favor of Plaintiff Keystone Nazareth Bank & Trust Company, A Division of National
Penn Bank f/k/a Nazareth National Bank & Trust Company and against Defendants James P. Failor and
Shannon L. Failor for want of an Appearance or Answer.
(X) Assess damages as follows:
Debt ------------------------------------------------------------------ $11,022.86
TOTAL -------------------------------------------------------------- $11,022.86
(X) I certify that the foregoing assessment of damages is for specified amounts alleged to be due in
the complaint and is calculable as a sum certain from the complaint.
(X) Pursuant to Pa.R.C.P. 237 (notice of praecipe for 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 his/her Attorney of Recor, if
any, after the default occurred and at least ten days prior to the,,d?te of the filing of thhiaecipe and a y of
the notice is attached. C?
Date: July 14, 2008 Signature4e:!,
Print N Attome for:
Supreme Court ID No. 91984
NOW, as , 2008, JUDGMENT IS ENTERED AS ABOVE.
Prothonotary/Clerk Civil Division
By:
6?L
DmnT-
a•
L'°
G
??
Ca T??
c 1"
A
Hobert G. Tallman
I Donald-H. Lipson
Thomas C. Sadler, Jr.
Donald A. Zamborsky
ThomELs A. Wallitsch
Oldrich Foucek, III
Matthew R. Sorrentino
Barbara L. Hollenbach
Dolores A. Laputka
John F. Lushis, Jr.
Frederick J. Stellato
Timothy J. Siegfried
Scott B. Allinson
Judith.A. Harris
Charles R Smith, Jr.
Scott R. Lipson
John R. Rudders
(Retired)
William H. Fitzgerald
(1970-1997)
James P. Failor and
Shannon L. Failor
68 N. Middleton Road
Carlisle, PA 17013
Steven E. Hoffman
Theodore J. Zeller, III
Kelly M. Smith
_ George C. Hlavac
Ronnie F. Hess
F. Peter Lehr
Wendy R.S. O'Connor
Ellen J. Kaska
Jeffrey S. Stewart
Charles Laputka
T A L L M A N S. Graham Simmons, III
Megan D. Dalton
HUDD E RS& Michael R. Smith
SOR R E NTINO Edward J. Easterly
Stephanie A. Kobal
www.thsLaw.com Rebecca J. Price
A Professiorial Corporation Paul J. Schoff
The Paragon Centre ¦ Suite 300 ¦ 1611 Pond Road Sandra Jarva Weiss
Allentown, PA 18104 ¦ 610-391-1800 ¦ fax 610-391-1805 William H. Eckensberger, Jr.
Michael J. Egan
OF COUNSEL
June 25, 2008
Re: Keystone Nazareth Bank & Trust v. James Failor, et al.
Case No. 08-2914
Dear Mr. & Mrs. Failor:
Enclosed herewith please find a Default Notice with regard to the above matter.
If you have any questions, please do not hesitate to contact my office directly at 484-765-
2206.
Very/6 y y
CL/lp
Enclosure
1
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION LAW
KEYSTONE NAZARETH BANK & TRUST
COMPANY, A DIVISION OF NATIONAL NO: 08-2914 Civil Term
PENN BANK, f/k/a NAZARETH NATIONAL
BANK & TRUST COMPANY,
Plaintiff
Vs.
JAMES P. FAILOR AND SHANNON L.
FAILOR,
Defendants
NOTICE TO PLEAD
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
APPERANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST
YOU. UNLESS YOU ACI WITHIN TEN 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 YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. 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
(800) 990-9108
717-249-3166
Dated: June 25, 2008
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