HomeMy WebLinkAbout08-4529KRAFT & KRAFT, P.C.
BY: Robert E. Cherwony, Esquire
Identification No. 17623 Attorney for Plaintiff(s)
1311 Spruce Street
Philadelphia, PA 19107
(215) 546-5100
RJM ACQUISITIONS COURT OF COMMON PLEAS OF
P. O. Box 5156 CUMBERLAND COUNTY, PA
Sioux Falls, SD 57117
VS.
SEAN BURNETT
1038 Harvey Faulk Road CIVIL ACTION AT LAW
Sanford, NC 27332-9706
and
DAVID BURNETT
107 November Drive, Apt. 1 15 ??tj? fir
Camp Hill, PA 17011-5033 NO.
CIVIL ACTION COMPLAINT
"NOTICE"
"You have been sued in court. If you wish to defend
against the claims set forth in the following pages, you must take
action within twenty (20) days after this complaint and notice 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 for any
money claimed in the complaint or for any other claim or relief
requested by the plaintiff. you may lose money or property or other
rights important to you.
"AVISO"
"Le han demandado a usted en la corte. Si usted quiere
defenderse de este demandas expuestas en las paginas siguientes, usted
tiene veinte (20) dias de plazo al partir de la fecha de la demands y la
notification. Hace falta asentar una comparencia escrita o en persona
o con un abogado y entregar a la corte en forma escrita sus defensas o
sus objeciones a las demandas en contra de su persona. Sea avisado que
si usted no se defiende, la corte tomara medidas y puede continuar la
demanda en contra suya sin previo aviso o notification. Ademas, la
corte puede decidir a favor dei demandante y requiere que usted cumpla
con todas las provisioner de esta demanda. Usted puede perder dinero
o sus propiedades u ostros derechos importantes para usted.
"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.
"LLEVE ESTA DEMANDA A UN ABOGADO
IMMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE
EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN
PERSONA O LLAME POR TELEFONO A LA OFIICINA CUYA
DIRECCION SE ENCUENTRA ESRITA ABAJO PARA
AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA
LEGAL."
Court Administrator
Courthouse, 4th Floor
I Courthouse Square
Carlisle, PA 17013
KRAFT & KRAFT, P.C.
BY: Robert E. Chewony, Esquire
Attorney No. 17623
1311 Spruce Street
Philadelphia PA 19107
(215) 546-5100
Attorney for Plaintiff(s)
RJM ACQUISITIONS
P. O. Box 5156
Sioux Falls, SD 57117
V.
SEAN BURNETT
1038 Harvey Faulk Road
Sanford, NC 27332-9706
and
DAVID BURNETT
107 November Drive, Apt. 1
Camp Hill, PA 17011-5033
CIVIL ACTION
COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PA
CIVIL ACTION AT LAW
No. DF S??a9 J
1. For good and valuable consideration the defendant(s) made and delivered to the plaintiff a
promissory note in the amount of $9,995.00, a true and correct copy of which is attached hereto,
made part hereof, and marked Exhibit "A".
2. The defendant(s) failed to pay the said note in accordance with the terms thereof, and there
still remains to be paid the sum of $10,571.57.
3. The plaintiff, the holder of the note, has made demand upon the defendant(s), but the
defendant(s) failed and refused, and still refuses to pay the said sum or any part thereof.
WHEREFORE, Plaintiff claims of the defendant(s) the sum of $10,571.57, plus interest of
$1,672.89, plus attorney's fees in the amount of $4,040.67, for a total of$16,285.13 all of which is
justly due and owing from the defendant(s) to the Plaintiff.
C.
KRAgKRAF
BY: Ro
y, Esquire
Attorney for Plaintiff
• - .:
Federal Truth in Leading Dlselosare Statement
Date 01110W004 Creditor. KEYBANK USA,
Borrowcf: Se" Burnett Loan Number 1103035004.
Student: seen Burnett Low Typz Key Cw=Loan
Educational Institution: Decker College of Condruction Tr1& Louisville
RRCENrAOR FINANCE Amount of Payments
CHARGE Financed w &w
r aodt e ¦ yarly The detr nosed the aodr rill '(tie a n coo of aeda provided to ? a a y???wK ? Mwe tmy l mymou
E
ibJaa a errnje you a oa your bcWr.
cbh q
82%(e1 $7,234.60(') 59.995100 $17,229.60(')
V.- n-t rd.,.A,.lr unll hp.
- Number of Payments Amount of Payments Payments are Due Moodily Comvwwt g
(80('1
VA QIARI.a' RATE! Your in $95.72(`)
terest rate is based on a "Curre 11/0112004('1
nt Index" plus a "M"n.' Ite interact rate on your but may
Increase or doeeease and will be adjusted quarter ly on the 1st day of each January, April, July and 0cluber (Ute "Chaar
Dater) if the Current Index changes. The -Current index" is the three-month London Interbank offered Rates ("LIBOR")
published in the `%kwfey Rates" sodkm of the Walt Srner.lorvrrof on the 20° day of the month preoedirrg the "Change Date"
(eg., Des mbcr, Man:14 luxe, and Sep(ember). The h(argin added to the ( Inner(( Index for your loan Is 5.50%,
Increases In the lift- rate will Increase the number of monthly peoments you must make. In addition, if the artrouret of
your monthly payment is rot enough to pay your loan in full by the originally scheduled maturity date plus sixty (60) rttom4
then the amount of your monthly payment will increase. For example, if the loan is for $10,000.00 with a monthly payanent
of 5107.32 for 190 months at an initial interest rate of 9.13% and the interaa rate hweased to 10.13% on the first Ch anp
Date, you would have to make 27 addiliurod payments of S 107-32 and a final payment of 554.04.
Your loan ftx for this ban is 5.00% of the amounts disbursed to you or on your behalf.
Laic Charge: tf a paymeml is morn than 15 days late, you miry be charged the lesser of $5 or 5% of fhe unpaid amount of the
PaYMOTI
Prepayment: Ifyou pay off your loan curly, you All not be rntiUed to a refund of any part of the Loan Fee. If you pay off
may, you will not have to pay a penalty.
See your contract documents for any addidonal Information about the loan fee, default and prcpsymvn L
Itemlratfon of the Amovat Financed
(1) 510,494.75 Total Amount of Loan
(2) $499.75 Less: IRAN FEES
(3) $9,995.00 Equals: AMOUNT FINANCED
(a) 59,995.00 Amass paid to others on your behalf
(b) $0.00 Amount paid to you directly
Sebcduled 1Habarnments
pay to (Dacia College ofCoa+Uuction Trade Louisville and/or Sean Surnutt)
59,995.00 OSAft4rM4
Key Balk USA, N.A.
Key CareerLoaa Prom(saory Nob
No Mhittouts afscrafdw-wAs ortants will be oorepted on th-i PToatiswq Note
Du: Aurx94, 2004 Loa Mmbr 1103035004
DxrowerheaterSan BUTtdt hindpol Am mu tRaluetoed 39,99100
A. MF.NTiF1CATION or PARrLES AND TLRM4
In 0a homitway 14aoe, u des; Winvdro Ft.. ga words '11. •we,' 'out'
'erc: arty; std'tnine' axon die pcnoo(s) veto djlled ttb Proerituay Nole as
i vffw er, co-lowin er, z Al- co&W r.'Yor,"7ovr,•'yaaa,• asd'k T' camas
X W Bmak URA, NdJm9 Amckdrvt, Cleveland, Otto. of its mormom sad
udgtr, sad any w2wv io dr of this Pramismy Tina. Tears :n taxml apiyt ICti is
it ihn :lute Mae Clio deRvitiom M fats loll Section C or aisewhow ir this Now,
wafer athatwise noted.
B. FRUMISETO PAY
This is a oxmw-= audit marsactiat f PROMISE. TO PAY TO YOUR ORDER w
berry sL$wWool boWw, =xwd=l te ft 1, o blow the sec of the Tent Low
Amex defiaad blow, to the cleat it Is dAu=J b ma w paid w vW behdf•
kaataw wk ft pdWpal no sad interest on say limped wnW interest added to
the p-k%W blow lace sea, spplliaNc Lana Fee a tk u*cd below is Sa,
M vW In the avers of default, and In, the mUct paotittad by appticabk taw, atom or
collacti m sad •lomey/ Lams, if that is a dump m7 bK%w to PikcW Amowt
R*T..wsud as kt b:md aWL wd the snort I rogwswdd m 04 appttcetteti tie
Wvidpd AMoa t R"%cswd stag be CIA ,, u t c w*Q.-t about. I will Pay ail or
taste evimm Ter you at the address sbaim m my awmsus or aaulin basic.
cnim.mnon
1. lky Book IWA, DLA. 144 CS-L-11 Prosyaa • rrav tits PUL41:1af
Loan V ran psxmm to wltidt roe Iran mdarced by "At Pm 1-Y )ore
sonde.
2- ChOper NO** -racers onY raarioe that dacrtbet tw obllgadom of s
raaipser carder this Nos surd that u sigacd by my maeigtta with tespmct to "Y
Ilea that 1 altuEn wufipti m the cams of title Note tutdcr OfaLoat hogtista.
3. Dakremt Palled - maw the paled be units on ft due wy I - is
i idaly db riled wd wdnS tsten -Pimnn or ft V- Pabd The grace
period will bagii the day afar On xia fdW end date of d a proosm or crass,
up to a nsa~Aiuco of twetyfar (24) monad, for vAkh This 1 am Ives bast
maim. TM piss pow dig to a paimd ceapriewl grew sum o(Axly (60)
do% sad Sects mou of airs tKComd to hove Ste Repayarat Period
cmtmerce as the frst dry of a mongi. The Lade renloa 1M sidt to ebaalo
L'vata,gkorthapeapaledfbrpwpnmofadmhts JW cOmrentatoe
4. Dbbaness" Date . Tnsaw the date ea witch ym imd mosey to toe to
cattti&m iao for thb Nast tied v& be 6'C due siaan an the Lan cbv* of
duo 6ax tam Loan itedr as decVooi sIly kwdwred to my Edafe60011
Ineaitasion.
t- "ywcel Period - atans at pwtod beSkewbg an Ot fist thy afes the
and art rho Defaraatt Period sad will aam6ma Veil my bdanwq Lou Fa
and somied Imetae an paid is Ail, a petriod or 110 meats except u &Rrwd
u ParlCmp s F2 and P.3.
Q Teal taaa AwAvot - tr4ew eke tow or all dbbtssanenY, Lea fees snd
tie tmP63 p k r,; l bdatce cod ichm ion nrl Pr,*A i.arrL if
wo-swim
Q 1Ni'LRTAr
1. Aeemal - ktarest are Mtb Pam !&My Nob will suns u tree Vwi"c Rate
bei;L=4 m the Dbbwatrmem Daft: ikwm vA atwww Is emu an all
&baramsar rid T.aa roes to the a dwA asy m tdruacd to ow oc on cry
Wwf frwn the am they an nude oath its arks principal slid eU ode
mow* ro paid in M. latwest will be alatdmd on da basis of iie aeraal
macros of days in the fm sod the stirs) MEL= of dips elapsed hevel e
holidays wd days on which you as not open 1W die am&a of balks
busueax if 1 do sac M inbred to yet aired the Driamat Per)tut ray
at your option add moth towsst Its tie pcvaps blotto of she Lou in
wxordLwA with faaumb D.6.
2. Varloble Rile - The Vw(abde Rafe is eq%d b eke tarred lade% plus a
rttwgn as falovrc
SrA mOalyorCosl wd1swo dlwe.430X
Suisot osy ere Coal DdkrrW-S.M
Ito nits wv& for try Lea will be idendlled on my Disclov= S taown
1 The Vwimblo Rate may irraaas t or d9c mat wd wti be odlsasod gmdc fy m
the fiat day of setts Jurisry. April, July tad OMW (tie Y. mp Date) if
the Cwwt lmdw los=es. This Is the only licit on b=casp or doasasts u
wry one Charge Rase or over the lire ofae Lam
4- C1 rtmt lodes - The'CLrrett iadcr• IS dw Laedo'r Ietaebealr Offend PA'M
('i.IBOR') pleb(Idred in the 'Money Raw` sac&a cf ere Wag Scrod Jataal
1 of S
an the 204b day of tae moth procedo{'w FF, ,abls'C'Aartge Dote` (eg;
December, Mudt. Jura rid SopcooWl; sd0a to the limits as bads
You Will we On Ammontb LIBOR ptldhhed as tae 20th dry of We
d'nicodbg mwth wibms mgtrd a tM two-ft ddavil drardvo do. If Ike
2001 dry of ft match b as a bon tom dry, On prsoe ft hussies dry nil
be used Is ddacCze the Cw=c fwdoc Fw;Lipari of this Pwap*b D.4,
-buaioeas W mewta say day me baatt b Now York WA Lwdoa are opt
he ttte taassul as d bu sisess. You ray road dre 'Clarea index' Ngbw to
two -1 pleas For mrWWK 6U731% will be rooaded a 6.69!6 (TUA
is an ample Lad may not bas r%;6cvdre of dw scteal IBOR) LAM is Ne
BdLhh tlwkefa Assotlatfon average of iatabank WOW roe Star dollar
&WRs ills tka London awkd bumd on gaotaitoas at 16 rrAjw banks. LMOR
is ff a a pdehtl bbd= arrd is not aOrL?Vrily the rawest craws we order
reed by you or sax deer lmwder. If LIBOR is no IwNpr m dlablo, ym wall
aJ:wee a ratmptrable indoL
S. latwuel Rafe Chnass - The irtaat I will pax w9l dings soon ft b the
VarbUt Rasa Saar dmrttI in Paapttph D2 Cbmw in ray b Uns t raft
nay (1) 1112maw tae ramlar of ptymwrts t wilt have b wAka and (7) pewtbly
ices tae eat o of my monthly pwamts. Subj1d a the provisions of the
prior swaths wd Paragraph F26 'EfFm of Rene C"a a Pgasas; I
wt71 stake We $-7-- sd foAi L. L. payncst acTtedela to my taaWY
sustwa or faray coupon bcok.
6. Gpilarrslba - Yw miry, B yea epdes add all Iaaumd std tsrpaid kT:era
m the principal bdwee df my Ioan, wifln 60 days prior to de hat day of dY
Defortow Period
L DMURSM&frS TO EDUC4TIONAL Th?ON
1. )tray ask yon a a nbaegoeet Mods to etagge the dale of dibo wrow U
Ltfm Edoatiwui lieft iar wwkos dRatrd poyacott
2 Upon tecdpt of de D6dom Swesoem I %V mvkx R and if I d amt
aetisBmd wick the Wine of my Lam as wprwvvod. I my c>,TOd tkb Piewisswy
Noe cal all dbt1W-sa'rwa If 1 do" to cancel ibis Pnxzbm ey lloM l win
not cut 4+x dubtruvwM a:Tadw sat to ass 1 will reuse the mouiwd
tr kvwnmt dark to yon wiAin ttlr (30) days or recelpt if eta
dsbunesum, dads was set to me. I tail ant each it If Ote dLsbarmcm t
do* vmsat w One F.dmdmd itadwtioa ar odta wnhwtmd party. t will
Wow W tdaa wsal h altbQon or atdarued putty to rdrm me
dabs mccow i pronodt it ym
3. No dkbxswml will be me* or Loan Feu atnamd if 1 instruct you or a
rabeogxril boWa to writing to stop moo g dlahminazi. No dtsbtrsmal
weed be wAdc if f am V dcb* d my time or you a a subaupwi tatdw
Items fa ere Stsda+t it no kwga anedins an eligible wwadod
Iaswatlon.
4. You may n4pod of Cancel sty dsbersemwn if sac is a t a WW ehmp o
nTy Awucaal ckcaoosmaa vxb as esy be ttardfested by an a*vwn vadtt
bureau rmw conisisim fee asmmok a del ocisco y with respect as other
creditors (at with you is a inodrlr Law) err tt®ui-4M a sipdfkactt Lsaesee
is dam vndmx a pnpa0eutls rite in'
teomc
S_ 1 avdaatss you or your uthorbcd agnat a pry Lmaa pemceeda in portWle
dsba+smwb ditxtly b Mz Edawtiod Ltatitatioo 1 dmp te.
F. T7'AMS OF REPAYNTHr
i. r wQl nuke meseari s rtorahix pwymero atprktdpu std heats of the err
dsaa abown an my rrandtbp stakmaat of In my capon book wMil ail
&sbtrsvwm1i mn tosde sad I Jim pfd all of die pi %VW std Waal sad
may of w tia=ra 1 ray awe un&rtka tams cf tits hoca eory Nos.
i Eflbd of hate (3anagm m Psyvwtt 7be alert of a Vartabb Rote
dasge u>? paxmwl Yt
A) Addlniaral lblrwrrF)f Ox Vaiabie Rate w0axs, tie xrsba of
payeasra I win mite wit lotreua
b) Po)awtrr Ann- 3weam. Ir, as a rndt of VvWt Rah ieorawaet,
rho angst ar rb amid, mil nut is sot a w.* to pay my Lm in
full by ik origirally uhedded molcy dam ptm on additional sbny
(60) vinous (*A'Ea =Kkd MdwilY DWk Uses Yom will iswamtr my
arftebly payraex amosaL The pq w loame will be nteiolatod an
cry Ilsuary let Cbmp Data tart my pgsoae4 avast b ktaifloieat
to pay the rmroaking bdmm in Mil by the P-vum td MwW y We. My
now peynnt ammn veil be an savant *drW.w.t b pay The zwwkirtl
bell Am of nW Low is Fall ki sabs.unaly egad insribmo a ere Me
FORM No. OCRIli-NuthONLY4915011
Date: AWd 4.7004
Boo ruwrf Naar?Scw lbutnott
Wenapplicebb Variabla Rafe by Ow ltaesded Mamriq Dave
I. Mbimmm Patmeut - tiotwiewAndiog any other porisim in Suction F. i
aria to perry d IaA iS0.00 per raemi (Pored and iatMaq or the w"M
bsleoe. wbidwm a feu.
(. Aeaevb Owlrt at tie od Of &a Rdpayawnl Peeled . Sime (unto
Kam daily La o. the: upaid prOmpd bduce or ny 1-& if 1 snake
prjMw aft sty payowat etas dater, I may am addtlmwl IVVM A die
nd of ft Rcyalnad Paid it I have sot paid my Late clewip sad RMn
PeyaaVMF Fees, t wd5 she owe sdddwW toaeaswa fee Amt IMC do%%
W Reoaw PaymeaWSF Fans. Lm such atae. 1 Ass Ply ibe 05k"'41
LTIOLm cad you ail bfaate the aaoonat of fey bet roomy payesms to da
amamt SNOWY to a9ay my Lop is fia. MY obliodw is Icpay this (AML
aAn rmn in raw in bocerw aurally and Kmww -Jy dbrJ I air die
G. IATE CHARGES AMDAR RMRKMJPAYMEMOW FEES
1. we LTterta - i epee to pay a tae cleaw if I rat to aww my part *ran
b1swizaw Priam withb Macs (i S) drys otter It became duL I vJl pry
only one Loos "to rw n ispatisai pWam% ngw&- of doe ae+ber of
drys it Is Ise. A late CbVF eey art eaeoeed tL Itesw of f3.oo. or 3.W% or
rho rapid amomt of Oro knstdamm
2 Rrec ead Pmymi away raw - I agree to pay a Resumed Pay-aatlNSlr Foc
or 9211.00 om Ora neat pn) rdmi if caw butt mowri Dry per wit w say dWk
or oft trmninom ghm ror wry pay-m b dM w-nd for any team* in
adffion to the foes to toy beat may asatars_
U. PREPAID FUCANCE CHARGES
I. Lean Fee- I will pay b )roe at the date Ore"d:abMMMM a Loan Fee_ The
s=w s oftM Leos Fes wiz bo Wcae"od on owDiedwatoSmta;=L
i Added to hWpd tldruat • The Loon Fee dnasSed in hentawh IL I wit
W added b my paeeipal L:+eee on cacti dislaaseanat data jr you do cot
add a fee and 1 Mere not already paid der rev, I Was v fry i rims you bill
me for it. I well not ba a0lod to 047 Id-d Of any Lois Fee-
L RMMTO PREPAY
I have the right to prepay all a any past of the at>paft TOW !ce Aaninet Or
Me Proaammy Nola d an Bete vAilmci pw*. (4apeyrAV of lam 0- aD of the
owatrrd eg balance of skit PmmWW Note wtt not reduce Me in I or my
nwa ft peynocts or poetpoec ft due dst of owAly prymeots, Md wA5 redaoe
the mnbw dpa)at M I mast mob. in LTI eras, i will sot be coded W a MAW
otany Pan of" isarre" of rowma du zo e:ready Paid-
d. FORLIFARANCE
it] to us" tJ am my Loa U aooordree with Yee ltrrol esumul ed ender oft
Iwaroblwy MM i Stay ragaat coal you mom these bras. I WAMA Dd"Mxb
modi5ea4w VMM be at "a aptiee. i adKuxw Out I'M I ranhn Mpw4w rbr
al iatn* awtuzz 6xims any PMod of fasbwawa v.
i . DEFAULT, WHOLF. LOAN DUE
Stbjw b tiro limitations od atpplicable haw. I will be in ddtak order ttk Note and
you do the rigts to 0i lire ere ratite thR the whok wAALWmg 1rndOd
b9s.w. acretsed alto P % and di other alowty peyrbls b you wader the to.oe of
this Note. uc an sad payablc at wed, (wAixt to my applieablc kw dam may tiny
me a ride to sae my defsuk) awd (1q oea+e b sake kiln r ddbwsaane t two it
I. I tai to race any r:wd* psymarl to you wben AK or
2. ido;or
3. 1 bmd any of caw odxr pumisw in this Note; or
a. Any b itntptry pt eeditR it betty by Cr apirlN roe, Ot I UdV any Of ry
assets fwtx beceGbof my creditors; or
5. 1 provide any time wriMen sWAMMt La applying fa Lay Lon sabjxt b den
tears ofilia Nokorat arty am Haag the tam caret y suds Lars or
5. 1 biome Iswhitt: a
7. is )oat jtdfytaR Owe is a sipifiean itstereug arm stilly to mm my
Lcwo ssbyct to rho toww of this Now,, or
S. I an in deft k as auy Lose nibjed w the 1=s ddtis Nato I my 4hadi
have VIh you, or an any such Lae 1 may have wt h you ki tie rawL
Sfy Uktro b foceiv a enortbly thutowt does not relieve me of my mxoiuiAft
vd obllp m of waddag the togaited payn outs for any Wan is somrdwas wth
the terms said cordiias of this Noao. If I a In ddUX t will be rogabW to pay
khret am wy Lou aeendtg agar defatit The kadest flue (Yuiabtt Rue) alkf
dahah will be sebyd m 4wtseat is time mama mono as bc(ine dataAt
LCOL &MONCOM
Whoo ad es pwoksod by appeiabk W. i atne A pay you nuor-We tmoume.
i foes for ry wsomcy wbo is not your re;rbrly
wKfuiet mawneNe au xy
Lou Na rb r. 1 IOXBS004
ft-"W Amosmt ROWAKOL IV,993.i10
sdaied wetplo) cc and court a. d ether odlectim oosa, cat you iactor is crrwciat
rho tense of We Note if i we in defr-At
M SMARM INFORMATION
Dbeioture or Aeprat Inknood": You stay sbase burr-•rion withii abe
KeyCap tinily of aotspaides a wed a with wWObed died ponies attwvW m
Kcy as loam' in yea Psivwy Potl* We specifically naaeat to r m ass i ft
Iaflrowttma womb the WAM bmay of vempuales wad wti ckmal
ma Mded thw Farts NOM Uwe my civet w opt out of ktfoMwas
sN aft ew nay he tarrarkaty opted-out under oat rise bw. as desatbal in yowe
Privu7 Polley. If Ikre am opted oat, that slxa, wag orawids tip Ooascat to
shoe, cwvpt fie shave tat own in wbkh yar a•.-w at'wwiss fam:iood to Aw by
bar wNbw ow oomeDt
N. DiKIMUR8 OF ACCOWrINFORMATWNTO COMU.MU
REPOHyiNtf AOMCMSt MCCURATE MMUMATIM
Yon ante comenitted w fawith g a:mplels and swari bro obon about aedA
emawits, t "itig any Loots stood to the of this Nate, to cuairaer
Npwdm owdelea. If the itimmaca you report sba d aw or ray IAafw is
Imawrete, i ail writs in: Key Ed owkn Re arcm. ATTN.: Cotacaiww. 745
Atlantic Avacem Snit 300. Rogue, MA 02111-2731 to wry eaemptadmos 1 wll
inda& the rolbwkig v5amadea My Ncee. Address, My. State, Tip writ Saco)
Security Nw, hw, Laa octet aaoba(i) sad a copy of my ct"t biwese repot
ctflecdr4 ebe inecaaam lorwapan
Q ARBITRATION PROVIMM
T* is Aebibatan Proriaim sea forth the eiroarrrxes and PwoftU usdra Valet
CWM (a ddbW bdonv) away L uHbred It wend of linpied to com-L 7W
Arbiad- lrtwlsieh xiptaadn and rqb- my Mdatisg srt0wam pwiLas
bermes yaw sod mo. This Aebli edw PrwdAhn wit ap* to my Now mils 1
soft yon la a Itfnt Uri i njacf do ArIeltrsRow FrnrYea witlb 40 drys or
slpatt my Nov- The relcdira woke. shwdi be scat to Xty Uvadot
Rewbrem-Arhit let F.O. Boa $44i, BeW;, biA QML The votim wwst
Ivelade the hmsesmvY miaow, the aarma of sty Lo.borrawer or oa4pu aid
The Loa ni in(s) sad must be s#p ed the brnwsr said the a-bemtnt or
caelgaer, M esq. Mw rajwd m *dim Audd not ledmde any, ether
cotrespsedom Cooling the lender to rejad the Arbitrelka PrarYNn or
pnniMg wNa try nay aura Seamier or king au u dwarbel Am wM
¦et openfe as a rsjodke of tihls A.M. wlios Tnehf?u sad ees»lwaatq Ibis
Arbltyeffee leratitaa wIM 6eaaSee pass of thb l)tn Rejective or this
ArilaeWu Pewrbbe dm trot save as rejecWw of ay ether tow or
cmdkkm of d6 Note wib ere kodw tinenke rte lAas.
For purposes erihre Ad ww m Yrwisiwy dais wwA'ym' sad yW shat mmea
Key Bak IN& Moeol AssociaLM ClstdaL Olio. slid parties do brio or
my have had a volluc o ip wtl yon at me rdniat to tiro Lows FSOgnni
(Muting, wkM2 U '- ow, irw Fduwtieecl laudlutice or 3c nkcr ottbe Loan
and all of tbdr raapeetlve petwas, %belly or majority owaM scbskVtdes, Mialm
ptodtuse L suamsms. auvit aaptvydxs,eilkers, sod die u
As used m hhii Arbitration Ww.4on, the %wd'CUW mans Mw dab, dispee,
a dowzwn sy bdwaa yon sod ax atisist Bra or releciat to this Noae, or ibc
rds iomhfpa faUlft fnm this Nate, iiecheiiag, willim lbsgaWS, dw esliMgr,
mfmvv&Migrj or acapo of ffj Micredon havision w this Now 'Cleat' irdeda
dam of awy Mad and Laura, wtnUw pr*4xUUo& (reams, or ihhtu, bdwbL
widrout liatuia% i"W dlaitn. omiadsicM aosetJaiaa, and difd-prty
claims, and dam based upon comac% WK. frimd ud othw wentienl taw,
ccvwAari % --it retdasiom omsms let. sad egiry (cm%4iw. wilbom
lilttttioa arty vista ft k4owAlve w detbuxQy rlllel). Ile word -O&W is to be
gives Oa brooded possiile nrM04 wa kdmks, by way 1{oampic Aw withtrot
lintibtiats, u7 ele,4 alpai or cataoeasy ILL Mw tam or [data to (8) my
Limo agiod to da toms of Ois Non. (b) Ore goods a services ptatlaud with the
pruceede or my wk Lou or loaq (c) the Ibodmg of aw rich Lou; (d)
RIMUSUMAL fttaaatiom of old as weiaas statements frilled to this Net, am
s;xh LAan4 goods w eMrlpw prrrlaevd relate precawts rat any web L.Oae. a the
tam of any raA lone (e) my apdkwUwfa artymeth I.m and (O tbearigiation
or se vieiag or my nth Lam as 6e witistim orft Nek and (g) the collection
of amours owed by nw to you
This Asbbe4an Pr anew %i l Sol apply to Ckxn previosily awar.4 at ashes we
(Ma L=1413 Iewsob filed btfatt ma drecti+e dart orft Arbibadm ftyWroa
or wW prier ubbolion proeisa a bMwem you ud m wbktwm Is artier.
However,"A*V&S s Rorbloo wM only to all alias Cl" evert itft rasa
and cieeaastanm Smag ride to the Cbkw edskd before rite efkctieo dot of dill
Arbktaia Faun m
Aay tam LVI be resolved, spa the elecom ot)oa or sue, by biadini ut4wbon
2 or5
FO1MNO. CC1t1MNORFANI Yale aw
hose: Augm t, 2004
BorsowNwwe Sum Burnett
puma to va Atbitmum ProiruSm sad tits appimMe asks of ef9ter fM
I,AIAVEaidslpAt a fee NdimW Arbitslim Foam In o fact si Qse time the m n
is 1&d (WArbWuSon Inks ),1 reayr teiedt vain 9f that orpetiseioat b stave r
the arbados aftt"sibda if I imW* a a*ntim apkd yw or ifdtha yes a
I taorrtI -bktwn of a Cta:m that ttte older puq has brotgU fnc*WL im addiim%
d you Waided to iabW as wNtri nom agoinst na, you wa notary mo in wdtog
arf eta me twm y (20) days to select amt of Owe orWhatiou b sage as the
sWastioa sdmitlwww,, it i fti to sd9p as adts?dstta wh is that holly
(20)4bay puled, ym -At] selal one. is all trios, tare rbkmamr(s) whodd be a lawyer
with mote tlas Ism (10) yeas of owitma or a spited iudta If fur uy room eM
selected m%mmincfen is taWk or mwlling or ceases in save m the arbintiom
adminimur. I win bm tworsy (20) days tea aabct s diiaaet adrsiiusrot from
me shade i K if I fd a sdea a dgrum adrrdaI nor wWfm the tww.ly (20) dq
pwi. In wCl slat one. In all amN a party who has aucMd t Chun is ¦
hws9."t iA ttnst toy duct arbitreiw with ttopect b say Qarm(s) wtoaequory
Wasted a furs hwsaid by try Oise party or pubes.
IF ARBITRATION IS CHOSEN BY ANY PARTY Wfllt RESPECT TD A
CI ALK NIITfMR YOU NOR 1 WILL HAVI THE RIGHT TO IYTIGATI
TItAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM.
OR TO INOACE 21 PRLARBITRATION INSCOVIfRY EXCLPT AS
PROVIDIM FOR IN TIM APPLICABLE ARBITRATION RULER
FURTHER, I WILL NOT HAVE THE IUGTIT TO PARTICIPATE AS A
REPREUNTATIYE OR MEIM7ER OF ANY CLASS OF CLAIMANTS
7T.itTAf?WG TO ANY Ci.ATM KMf jLT TO AitnriltATTON. RXCWr
AS UT FORM BELOW, TNT ARBIii1tATOWS DECISION WILL BLt
FR1AL AND BTNINNR. I WDRRRTAND THAT OTAFJt RIGHTS THAT T
WOUID HAVE IF f WW r TO COURT MAY ALSO NUT BE AVAILAZZ
114 ARIMUT1fNL THE FEE% f.NAR(:Rh BY THR ARBTTRATIM
ADMINIRMTOR MAY BE GRidATER THAIV THE FEES CRARGLD BY
A COURT.
Them shall be no t twhy for any [Taus to be wbi9atad cm a elms mob" bmis.
Fj*Amimre, an sibb Was as ay decide yrw or wy Cbds(s) and nay cot
ooeselidr+ 9r jail the Berns of oNor p-sens lhnt ? 1-va simiYr claisss. lbers
AW be w pre ubibNium dbuway taso as prwi&d for in dw *Oiuakh
Arbitration Ra1u Any asbitatimm belts Qd I GVAW shat kke plus Is ft
rv6vW jabcW dwia of nbr raidsacs At w7 writes nqucst, yvs wM pip all fro
tg b f lW.W draped by L4e uViruics admiraftrawr far say ClOv(s) asard by
an ie ft utbWen, after i ewe peril in amoad ocWWat to live file. if my, fa
nicer lurch CbWs) in s4to or hfad watt (wlaebera it lino) in the jWkW
district In vAikh f mslda (If i lairs aim* paid a filing fee fa am-t ft tho
tldm(s) a cart, I wm am be regtdred to ply dw aasoaal atytis) V I an rta,aied
b piny any fba o occsss or 3100.00 to ft arbi limm alai ismor Cad&*W
Gluey, yom will oarsldet a ragseB by Na to p1- all or part eftlle atldttond feet To
Ow wdml tbu )vu do spat shove my svgassS Oka Arbitrator will decide wladw
you at I will be s?ylsraib.e fa paying any stab addith Gan V die artitrum
in= in r+wd in yar favor. I will mot be requka b aimbou you for -y ofthe
fire you bnv pn kVdy P W W Lk odnidstaa or Or wbkh you no rmporssible
Each party stsatl bet the expects or um pays a wwX, mops tin, sad wahine
feat, rtgardlest of whkb poly p resib in Qs: ubtrigioa, talksa WOW* low
sitt'ot WS NOM i1M1'ee ¦ Wy the sagas b 100ner My Orthtwe fag fioem do 991-'
Posy
Tho Arbttrsbm PmTsm s wade pvwA a. to a maw= iffmvng totertter
coffvmxt, and OW be=oramd by fin Federal Arbitr"tion AnCFAA'). 9 U.S.C.
Soma" I a seq. The stb"wraur SW apply a omme PAtasuve kw Doww alt
with ft FAA and ap9k" XAMN of t'msit kW and shall boost tlmiam or
prm-ler m wgrtiad a< law [and, u"(mly ra"m Of any party, shalt peOvi& a
brW writw a0ssrlkm of dw basis for thin awudl- Im twadoctiq d w ukuvdw
ptomodb% dle srbc&&W shall not apply the federal of try no rules of earl
pr9cdwe w n1a oCsridaca. Jtdpntrt 9poa the awed romdeted by dle -bibeof
any be ewA d a any ONA barn/ jailQd*L Thu mbitrstlta docidom will be
foal and bMitg- amcpt for rip nabs of appal WwWod by Lie FAA end tateapl
fat, if fsa shoat is coatbrws) -oceeds $10.0M006 any party can appeal a*
sword b a theoparbibstor pest adaraitcrod by dUc ubtbstim silvan *dw TAikh
slru reconsidet de aw* tie, without regard to fin maipsal ut raws Redigt)
any raped of dM initial awed requested by the oppedirg party. The elamios orfte
pond %U1 he try rrtsj idW vvm Tit ants mrmxh sa appeal win baby by LSe
appeaing pry repar5 , of the ndws a Of the appal You sod I sklI kup
coondmahd wye dad" of in tbhum waft with nfpeq to Rly Claus(s)
aebiaalad uWa tkis Arbitration PmtW m ant, with ft excepts m of dmdom to
Y9tr OF 117 mrmn rA acaolrta ter. udaam and ofar icgd or rw=cW rlv-on,
ahs8 amt dmotoss welt dorisim b aOy ours peaaa Tills ArbWaioa Provision sill
Survive tuwmm m of tuba Noce or OW ?:I" Premissory Now, as well a die
Lour Numbcr 110301M
Principal Ammse Rsgtsetsd: S9y95.00
tttpaysteea ail Q amaaas payable b yw tinder OM toms of tb:s slob 0t r0' Priv
heoietay N9w If wy passim of this Arbin*a hovbium is dowaW krvfid or
urtmfeoealte ands asy taw or sUM caetiRat wide the FAA, it slosh mot
imalidste the RrALing pwom of Ods AA6a6w Flu. isivn or ft Nola In ft
rim at a mm0ict of h muhleaq betaam car appiW* AsbitMiom Rules LLW
dos Aftratios rrudskn VYj Mb VLk n hovW m AW gover
OwlaclisjArbins esAdmLkIrinten
U I bare a qucd m about tit atbbmdon sisarsfaan matiomed is dial
Armnu m Provision er would lilts 10 Obfi'JI a spay of QMi Arblraeiom Intel or foe
seledala, l can coMaet Liss as follows 3AMMAdbols. 222 Starks Rivtrsido
PLuk SWW I&W. CWm&% IL WW4 whw jirtsafbpt -% (OW) 351-5267,
Fiarwid Servitu Arbitration Wien and Pi...A ra+; NaBesal Artrttntles Fern
. P.Q. Flan 50191. Mhnoq ak. MN SIM Wwwrh[reivrtbn=oo", (g00)
474-4371, Cods of Irrootdvre.
R NOTICES
I. I will itad wt heft mix w ym or my Nmcgttst bnkka Of Ibis Nos, within
tw (lo) asks dw surly skulls in ray nano. addles. telephone munees, or
Imdkdin ca9WmaA tulles.
2. Any motee nq=W to be gran to me by you wJ be dfxtive (t) whom
srsl'.cd by folddtu rmail to im Idolsar lbusywbna for as or (ii) if I mm
b ncetve notices and ot?a eoemu Ammi9m tkwwklly, wbes trsam ued
by dtcmonic mutamiseiw to &a Wet dtdrmk nark address you have for
au. Mum milt" by app kink law, yes need an #n a separate moors m
lk cosigns. if say.
3. Son Law Natdcea - As rowed by law. I am tmdy nod(kd Ow a nesadve
-sells repot nflaetkg on ay aodit record may bo subnkaed to a credit
Rp xft agency if 1 fail to AM thin t, a or my cre it aldfpdc m. A
mstied sppltara ay apply for a serara7r aomta! I epee slat tie koder
may obmto a Comm report (alai span) ebma no Bum a comumaer
rgwmmt &I-, (aodt beau)L Upw say wgxA I w9i be khrned
whelba a mot ft kedo obtaixd a amrnna repot abort ale, and [too, the
was and eddross of the aoms`m report r= ttaency ill Frrutbod the repem
It any Aroutim h Kgvoved. sabaeg0aas eeas9ala wry be
requesim a OW in oaeae 1. witb:an apdsu, sassessl or mammim of 116
unit far which I have mWied NEW JERRY RLUDENIM aamme
ro?vaoo" or 1upplrcabk'h aomo jwbdiLdm mox rt tbcsc
FvnRaa. ]wv+ever, is v9M, assnrortesbk or tnlppicaW im Nrw Jmw.
OHIO PXME 8o The Oda haws spurts Awrimiewlium rsyaic dart a9
ae0m suit ae6t equity aratubse b an aedrt wMby cogm ooM sad furs
a-i1 RPaW g + ? arpvale crettit bistarrw on tech iadirisai
epos raglxst TIM Ohio civil two comialsOos admodscm o n mmee wish
this tar. NARRTFD W'6CONWN PJMM 'M (a) My s4vaw e
codbms that my Isar Is being irac Trod In dw f asst of my wr.0 F of
fitly. (b) No pmvtt:oa of a mww mat) aljemmss, a aniw"d
toseesaw Under Sectiom MA39 a a colas decree WAW Sealm 766.70 of 119
W'smmsa Strotea adready lZeW do imkM of fM ae6tor elms 1W
acd w, prior to Ot de a aedu ft Smar d. Is fan 1-W a eepy of the
sgrewmK sea-meet of dean or boa and hroniedso of ft adwrss
pmiskel when ft ONlea M to ft enAk r r In®r- (e) UnLa dw
eo-borrowsr err oosipoa Crary) is lryaptaMe, QM ludw is req kw b lab ma
b provide Ike norms alt address rf spa peas. thlem I have provided smh
Wonosbom d the tame of my Apptiatiott, l nil pan h stab kknudom by
calling dw Imder at 1-801165394363 s Mrfng is Qlm lender - P.O. Bone
353W. Datat, MIA 02705-SSW w'AM fdlem (15) days after Me r AW
Dhbwz mean Dale of cry Leer ra bjnd b Lae mm of 11"-Ilse.
0. coal .*(ER m(yI7cm
For peposos or ttsss 'Cosign Nmka' omy. its wads 1W 'ear,' and
'yvm' roar de pasmr(s) vAo Biped this Noe s a co4por, and it* wsd'bmk*
rMeans It syBads USA, N?ri¢orW Among m6 QnaY.4 OW a is wooraaors and
tMON!?.1C+ ?d?.41(tr : 'You we bike asked to gwrsafe frig
delft TUA cs-m" before you dm. V rho bxmww dons t pay UM deb( Yes will
hm to. Bt sae you ar afford to pay W)m have 0, and fie )'w asst to weept
fell sawwj3 ity. Yam mmy bore w pay upto Lac kl -, ,- orthe debt if Ills
bed mcd does not pay. Yoe wy On bare to pay late fees or a&cdom oosu
wilds L rs w cab umml The beak ere tofte9t Ws debt Gem you wk)wA rust
dgv+g to collect Gum dr bencwv. The beak tan rte rte same mBaBan wtaltadt
Mite% you fat an be aced a&t at de ba-bwaL sa'b as smog )e9, I,smskng
your wage, es if fts dells Is ever to ddWh, rte dart may IlecmM a tart efyow
credit rem TUB aooce is mot ilm mr9acr ilsst teaks yvm lmk for tie debt
3 of 5
FORM NO CCRIN-140TEONLY4405M
Dow. Anse 4. WM
DWO-AW Nsae,Se W BW Wd
Loan Number: I Im035004
PrtmwW AWAIM Ragtrpwd S9.M-00
r
II MO1S Alv"D MICHIGAN RESLDE M'- Notice to Cornier You am beies
eked b ga mkt *it deer Thb* cadblly imfem ym/ do If ft b0nww d0oft
pay 1be debt, )VO Will hmY to. Be ems you can alfacd to pq if you hays W6 EW Oar
yak warts to accW this vup01eiblby. You o" ?we to pay imp to the PA aato+ttof
the debt if the bottowvr does not pay. YOU may also haw to pq Ide foes a
conealon sons, okh suttee ibb wapsrt The brat tee use the sense cegeofioo
rtahds &PAM )`u LW cas be wod aphm the bo»awsr. Nub to swi 'yws.
pndsMol your wages, ere. jr this debt a ever in dWUK as rod nay ltttcemti d•
pallOf yM acct teoetd 'this o0l:44 is not ft aarbact that eratr41 you IMC for
the debt
NEW YORK RES1DTMM- NOTiCEYOa apes w pw the dolt ikrtfkd below
al %-p you vvy act pnorally tocews w property. smiam. of monk. You
may h sad for psymem ad** the pests w!v nadv he ympary. mvica,
or matt is We to pq. Yoe ahotdd know that the TOW of Paymets listed below
dues cot ki&Ae jWwwe tUgp =dthts item debr4mmj, lest shames,
repoaumm a faodoum oot'a. Dover case a storae7% tea, or o0w threes that
ntay be Seared M denote or eosriet. You will also bvs b pops tyros or all orbasa
cosh red crests if the note of saehaha, the panwil of vwxh you are
tc+ d. rMsEra he bmowvb pay soich cos aad cfmp%.'lW nonce b not
the cote, wenct. or otter wii to that uHipas you to hay de debt lad that
writing for an sued W" orjw ablsydon.
(I)ENTEMATION OF DIN(S) YOU MAY HAVRTO PAY
Nuo of Dobta: The perwo(s) td Afud u die batfoMS 41414 to-botcowa m die
dreecrAHtlimaks
Name of Cm&W Key Beek USA. Nelioael Aa`-000DW14 tad is ssxauaa a
A-ivR
Dtis n..e Deco of t? 14M.
KL, dof Debt EdusbW Lose
Total or taymc is The 'rosl Lou MOW idak ied at the wit of Appki6m
pits falsest u set ibm is sodim D of Oda Noce.
You adaewWLe by )bw aiVwre on this Note"lot have been tiTm a
completed copy of this notice ad of ash omen tltal olriptas you or he Debtor
on this ddt.
VERMONT RESIDENTS-. NOTICE TO COSIGNER: YOUR
SIGNATURE ON THIS ROTE MEANS THAT YOU ARE
EQUALLY LiABLZ FOR REPAYMENT OF THIS LOAN. IF
THE 13ORROWER DOES NOT PAY, THE LENDER HAS A
LEGAL RIGHT TO COLLECT FROM YOU.
Yar scimcwldse fit you lure read, snddttsad, ad mote to rte barns or ft
Chi Wet Notloc(s) o-d apOks so Jim aA err you rO eatiiod to and bare tasisod
a copy of ttse Costpeer Nodes. If you are a Catsfomfa or Iowa vsidm% Jet aim
atlkerAlow mcdpt of a M of ft separate xabspedfic ooosm swim
oO01puzzed 1San4 made a put d Iha Now tbat eppfies to you.
RCMI(NEROBLIGATIOYS
If I sieead d& Note u a trsbrer? i herd r tcrxsnditaOzany Parsalee 1rY%m of
the bonoavds aad'ot eobormtve? l eart(al sot Fd b the urep of this Note whim
dye and ka Wen dme wide the tame of this Noce: i waft becks or uotQiseoe
1avoL std woke alt PA= to wltltb r mW% othfrwin be akdd by kw_ I waive
al aaeyshq deRna the mV A be 1val!" to tae (srtdudcg, wig" liaiabo%
eoav"ism asbmeatmsa and exoaeatioe} i apse the the WNW ney also to
v7 (Obwrsaa, vdowx et, or edit mod fiabon or fir reMrromi seheMs ad
One such spearmat will he bading as ohs Udeu mpired by tgyliabk isw, It
draft not be nao.sw7 for you to ere= to or eelrwtr your resedia apbW the
bwtawa &Ww uAvTower bdnu eating an me to male repj.- i
atkaoMedp that I ht%v read, wWasmA sad mm to tar tart or ft COOiptcv
Natda{s) u" wpm" at ft ad of fhb NOW std an applies to toe sad. If I am a
Cadamis or Iowa mddeat, x the Wmu of the separate suce-vscfiiO wai&w
oatiee ilrotpx"W !h rid made a pan of pas NW.e Wd &Mks b ma
S. ET.EC FRONTC SIGNATURiS
I. This Aereetoatl nay be eawccled in viy umber or cowdesprls in ray
trenaer, sock u a dectoom oalmo Brpaws andlar rsraaTty c WWA
sig u"re, each of which gull ba dermal to be at u stud, ud a:l of v6kh
togvl!W vn0 Como st:e on std the tams aps®ectt
2 If 1 Imc ca=wed We daunt dearmtully, ym my at aq time dme ed
sed neei+s from ms a ruarttadlY siPad OWN dnounrt 00"NA erg idMW
term tkl corw4kes,
3. 1 coww to the eeocstion of tvs Note by any oral parties in decoct c fan
mute an dearosk sigmm t spa that ttoku a w fp W piper apamma
boa been at" she eadwritative decotv-k vow of tF.is Note &M3 at aB
dams reskfe fa a dottaaxat aWgemeal sY+san dasipated by yw Tar the
storage orsethoeiwhv copice ddsmaic =or& (the `DIlt9') and" be
meted held in t W adiauy eamso of VAIMta. AB ecaceaeic of pMAd
mpioa of his mom not noted i-t you DM$ me ace On rthwidin deeamie
copy. ro all W-eve copy of all W--A soy be v"" tut on papa,
is 'Whitt "M the paper saw *W be muted 'wiprt` (dte 's'aps NOW)
MW year OM V%3 (s) woad"b e0)hfftUft off Ys been convrad
b a Papa NO% GO arbuia a laver. td the paaoa u, ward lift thus or
awoersim, ad (n) pmeM t#u pciW% Of u7 WW 04- or the forma
saltoriadve copy Or?ds Nils. The PsW Note may be printed ON oiler beta
taped by eli Balowaa, m allot be'stt Biped by me to tut other BoMMW
may any nSo the Paper NOW. sird l or thin Now also cuff d wAs
wuaa sad delivery of ho PW J Httk sod (10111-69 ik CGerplion b a
Pepe Ncfs, the Yaps evil trridmtte my oEliplimt It d my X*M flettbn
this ark ekwonk sk"Im ""dad wide his Note. when posted ow On
the Papa Nosy tomtit sa try sigom oa rte Papa Nola.
T. ADDITIO(KA1. AGREMrB.M
1 The p aceah of this loan %%I be used ally fa ed=dott-reltbd pcpetxs u
a dioNs Ednwlloral lNdMdiee. I mdetP M del wbat you 41ooryt ab
rived Froeduary Nay pee are /a1j spades b kid O? maee,.t,y and Wt
,here veil be no such epearovel wd he time ft Loan is won* disbarred.
Yon tire thS 4M blood 4111 seoOlat NO OW NgUWMd 1 apes b_ e'ae?*,,?` a.+
anottlt Ices em the Frixspd Aootsl Raquded 01st l w.1 In M*W W
repay a* the r11ew4 you 11 OMW fend b on mdw ttit PtOISHO fY NOW
1 mdasdnd"Ytar 4M kodd is Ohb and tvs hnmYay Now mil be
adasd fdo is Okim CONSEQUEMTLY, THB PROVISIONS OF THIS
pROMIS4ORYNfrrR Will. ISE GOYERNM BY FMERALIAWS AND
7M LAWS OF THE STATE OF OIBO WITHOUT REGARD TO
COt TUM OF LAW RMS3. I Wn OK Loy nk I Mal splon you (or
epiwt sty sabeogam hddet of ab htomismy Note) saw be UV40M is o
stmt Of yatbdictbn b Lhe s:eaar h tttdch ywt odSSle yOtr (a
eke eovW it which Ills Mb10Qltrt hddm ma°ffiadnw is) pied g- of
b oess.
3_ owwion or Maas - I et'anwd dw i -A ropey my nwaioay Now
"%,% I may be mW af9lneen (u) yeas Of sp wren tlts h=115"NY NOW
is a15ed
4. 1 udavxd that I will tcodve a Ukvks%n SYsWaad tat ide l fise my
dubsumma a-d Loan Foe amur4 it 11121101110 0Ofr 0 LAOS ere. Ifpse
recev or rte Jlscioawe Stpuum-.% I oil min it and will cafta you if 1
hnrt any 4'v&m The tuna std tzodk;-om net forth in eq PtOtaWrmy None
&W ft uiecioNta Ssumul coatlitasa the Intro tpOsrwd belie m you and
tit:.
S. If wry pmWM of thb PeOS fWasy Nob r held kNOd a mlwfaowble. the
proviticn s.'ta'.I ha tatesk6 d oitlhed Gam tLs Pswitamy Note -20ims
off cum the vakity or ardbre" city of flee romaiAct of this RomaaaY
NM
6. if mere taro ate paws nip/ his Nile, I &Vp b be R* saporw9v for
pri'w of this Note, and Wow nay collon from me wiabod trybts b Mika
Items oft sipthrs. You an shad of thane ON berms of prymat red
matt: .try mm* w96at stafiyrS me at fWuhris ms from my
tetpatsib tip on CHI Haw
7. A porisioe of this hani say NOW racy ealy be aothfted if*1 lY.pad
wpm n wrists by pu and we Any oodiftdoo wig ea MOM the vAfd6y
of rtfarommily Of the stnrLWWOf IhbprWdssary Nwo.
t 1 may act SWSR eu Pmsnisswy Note or arty of Pi bmefie Or ebligl ML
You may ea w this Aotaksoey Note ere aw lime.
9. Pero11 P mate - my respou ally far pryel ray Penh a? ussfba" by the
riwra or any otter person to 100 or by yoal ft l= an to nody me tit a
te**ed ptryme a Ira base wads. You try inapt 19e pry eeb Or pWid
psytrsrs witkec loslas 6" rights Weft Isis hanissoty Note. i well not
sad )Va tahy pulW psymmb mrI 'paled b r0'.'wi,hwt Become', a
wits swilu unup cakss ftw pgmceb arc mukd for vmw itetd'ytl
asd amt to: Key Etm%liot RMWCO% P.O. BM 1311, IdeaW0. MA 02116.
You rosy ddq. of Earl b cm be, as ataim any of year r'gW se arv
oasaioo arilboat ben yrs eftliu al to eaxniw Ina sigytt at say (Wart
lime or on soy f6an oOwiae. You w:l ea be Obl%" to arks nay
dumd an toy sold me any moan. FUM fhb htabsory NOfo b wX for
plytnwt or mike protest Of nm*p yY W to W WON Uft to 011eu to Ods
LaoiflwNdellvAandtotheoo`iiF, ",d bytaw,Iheobywaivesoy
rig'a I nfSN etbarMu hm b mgdm each aetk'i
10. 1 vJmowkdo that by s'Wing this NOW i as mf=ttf that you will
dbbwm the hails at my behdf eider cltedy b the 04OW000 Of vit click
.tads pq%M4 to she kau lied 1 wW=M td aid ukasw%* ht the fames.
4 oft
MW M. WtIN-NOTWNLY.Oe OSM
Dete: A&49A a, 2004
Bmrmsa Xa Sao kvrast
Lou Nta *w.. 11 W 50W
iqiue;al Aa>omt E.quersd: JA94S.00
r or
ar,T aabsagarnt hallo of IkeN a1Cab do eat In nay v''ay wdosaa, prortrMa a
msl:r any rapreaeatttiotO oomoant:'l arty Iatllmtion, inckid"na ttm rout lia'aed
is ow Irscitutioa lbW Is Ora AWi om D is ry. (owl « epwabiliW b
Eaaamae q wq a the 11 d%xiam
u MY CUMCATION
I Enure w6a panty of Imjoy idmdta the laws Of &e UaPA Stales of Anaim
*A the folbw(es is rue and wnect 1 oatdy dW the mfor mb" wdaiwd a
inehdad im my Appldoatiat for my 1mw mhj m b ibe %ON of Nil Noes b tae,
twapias, fad wwo to be hest of M krAA fide and bxlidaa! b Rom In VW
faith i caft ft Wormy appeiaet of this Appii e&.1 is ft student and that On
promo of wV vmb lam will be wed ibr adacaUm d cgmm &2&%r 96a
r9 mm slams b &a Low Ptoaaaa (aid' ar m A IrlaaaDM a VMWA*Joa
espawn tenrted in rtalbance of rey 01W4600 Cr vsk iah fa tta ow4pown w
prvfaWm) ddeadaad at tie Sims of my Appbm don I aealoriae aq 11WW cn that
1 (a if I m not tin thrdmi, the soadSaa) rsy tysrrd b alaao b do Iealcr.
tatbaepwA Wder. or dm r esmAk uW regatstsd LVW-d n pednml b uy Low
acbja 10 rtes tuna Of LVI Nob (aa, ar0l"Viuk erndk wt siea'S prim bm
hhfty, annul ad&Mn I ZhV yVi psrmesion b nqm g krtatMWM Gam non sd
to am" v+Awm 014Tria Yoe oordder namsmy aed appwp (bdubm
m*x tios and ainwias a eamtora a mi ft- roamna aepatb a dew) a
wwmabg Swmig norm Loam sr dabasamaim coda sa31 lop and fa Ora
Wpm of any t pMm nor mic M atmmu of arxb Lgm mvkwW a
wlvWm of my loan, or kr sty otrr bmAV papaw I abo rtboriac Vw bade.
atttemMat holds or VW &SmU m duck nu audit and amp'aymaal bkWy surd b
a mw geaaSCri about thus acdk O*am cs with are. I des wSedw mia ImA r,
wbms uaat bWda, lattddiiao, or Qwk ala(s) m taalm kgSUa of to tcVQW to
wwkies from rq (at. if 1 am not the *b Note a ecd ymisb cou ata Pr For
mbaogacet leaden or hoMm wM rupee to
im pmpm or )wmL-4 my a mt Wdxw and tdephm nambar, l aa•Jrortra do
teach; pjsoWm Ir*W, at their m" b Klem iaforrmbm earl mah bgexdes
b dm kdhidadt 1 brre Ibted an my Apptiftl n m ache cm 1 aSlamdm my
bodrr, atebsagoamt bolder or Oei a=ran to wwm my Imt vmm at t(m BMW Say
ApplmAw or of any staoh Lem I (ErOa udwrim any ksdm a avy irotda fiery'
mmttudb?S eAcalomd Iwo to to om LTf iaromaoao on ny Dre -AmmAkv
odutaoorrl kwu to any odwr WNW or balder of my of my otber eftwived
loom I Sod mum that I asst k-wk* mm aw ft* Orr-1 1-114 Oran
CON teafa' NY be en&*4 to amount my edmadn l awWM tgk*d to
a - Im, at m dtybk t uMfm tndlbr alter O VOW-8 nhitrj b aoy Loan
tudaJtaed Out my Ioader amymy d-VAkYly vs-" ksir 100A bow*" be
appm to my (or, if I i n m as maiden, Om s dwW atmmL 1 not xft ray
:Coda b dens a dwelt made paydie as me (Or, if I Hn Cal 60 *3krl On du").
ar joi * fayr6k to dra lm t eoa asd na (a, if I m so the a w&K the *AMI),
m d uwd it b the buduion f mtiry dtai I we (end ft UI wo ad lrs nodrt4 tae
prldeot is) lairme is pwd*dke in the Lam thopsr(r) m -mw by rm st do
tine c (my Apptkdtiptt and #a I w dasmM #w ptavi*- of ibis NOts »d my
mpoaibilidw amd ary d#0 aedtr CA Lem ROPNa(SI, I alto W* Ow 1 L-
am filed for bmbvptty in the past swat Tarr-
1C4yBtrh USA, Nw-1 Anocdaioa '
By ?
Se'J' D_ RaaSbers. Pttsidaa
127 PtNdO swm, GlevelmA Ohio 4I114-13t)6
Non(xTo co?6UHFA/CU8r01f6lt
(s) IWI.L.NOfSIGN l11WAGpZff :NT/NOTS$FFORSIKrADIT,LVWtrO MWt86ADViSSA
(b) I WnA.NOTSIGN TOM AGIf V4LKJ-#WOTE rF IT CONTAW ANY KANK3PACLS
(a) IAN BJiMIZDTOANP.RACTCOPY OTANYAGRBitMMrISIGK
(d) IKAVKTHtAKWATANYTIMI.TOPAYINADYANCt'IMLt4PAWBA"NC19DUZUhDYk7TMA=LhMNTf*OTIWal Our
Pif1'(ALTY.
(e) IUKDnWAXDTHATTATSiUDLKr4OANPRO(YMORYNOTEOOVKMINGINYLOAN COffTA WAXAMfMT(ONlROYISIOY
UNDER WHICH CI KFAINDIiNl= (AS D1T;CT SEV W TOC ARNMIATION PROVISION) MT *7= MZ AND YOU ANWOlt CZRTAIN
OTHRR PAVi xw W1LL BK X=1;VBD BY RMING ARDMATIO% I?ELI -MD BY NZ OR YOU OR CLRTAW OTHLR PARTISL 11A
DIS?UTE m ARBn,RATLD.THE PARTIES 4f(LL NOT HAYETHR OPPORTUNITY TO HAVE A JUDGE OA JURY RISOLVR rr AND O1rM
RIGRTSMAYRT.SUBSrANTLALLY LDarrEb
mnrkdyd &91 bw4 rsedrrd a espy O1 ab ?IOte, Nopos nE tdl Gslprr Netiean
I have fd
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Casifal:5ipaaa4 ifrgplidrsblCDavdd Btulrea Dam sma swmily Number
If Not Siring 41edfwalmlINSip and mail Mote to:
Key GreerLoan. Key Education Resources, PO Box 33569, Boston MA 91204389
YOU KUST RETURN ALL PAGES OF THIS SIGNED PROMSSORY NOTE
Sof5
FORM KO. t CAIN-NOTr> M Y44O-W
VERIFICATION
I, the undersigned, in my capacity as S2D&Ja.soL)
ogM Plaintiff herein, certify that the
facts set forth in the foregoing Complaint are true and correct to
the best of my. knowledge or information and belief. I make this
Verification subject to the penalties of IS Pa. C.S. Section 4904
relating to unsworn falsification to authorities, which provides
that if I knowingly make false statements, I may be subject to
criminal penalties.
RJM Acquisitions/Key Bank vs.
Sean Burnett
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SHERIFF'S RETURN - NOT FOUND
CASE NO: 2008-04529 P
COMMONTWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
RJM ACQUISITIONS
VS
BURNETT SEAN ET AL
R. Thomas Kline Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named DEFENDANT
BURNETT DAVID but was
unable to locate Him in his bailiwick. He therefore returns the
the within named DEFENDANT
107 NOVEMBER DIRVE APT 1
BURNETT DAVID
NOT FOUND , as to
CAMP HILL, PA 17011
DESPITE SEVERAL ATTEMPTS, THE PAPER EXPIRED BEFORE SERVICE WAS
COMPLETED.
Sheriff's Costs: So a ers
Docketing 18.00
Service 15.00
Affidavit .00 . Thomas Kline
Surcharge 10.00 jhe iff of Cumberland County
Not Found 5.00
g o 8 48.00 FT & KRAFT
C lo
08/28/2008
Sworn and Subscribed to before
me this day of
A. D.
KRAFT & KRAFT, P.C.
By: Robert E. Cherwony, Esquire
Alorney No. 17623 Attorney for Plaintiff
1311 Spruce Street
Philadelphia, PA 19107
215-546-5100
RJM ACQUISITIONS COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PA
VS. CIVIL ACTION AT LAW
SEAN BURNETT and
DAVID BURNETT No. 08-4529
VERIFICATION OF SERVICE
The undersigned hereby certifies that he is attorney for the Plaintiff in the above-
captioned matter; that on September 15, 2008, he served Sean Burnett, 1038 Harvey Faulk Road,
Sanford, NC 27332-9706 with a copy of the Civil Action Complaint in the above matter by
certified mail, return receipt requested. Attached hereto, made a part hereof and marked Exhibit
"A" is a true and correct copy of the results of same.
The foregoing statement is made subject to the penalties of the Pennsylvania Crime Code
18 Pa. C.S. 4904 relating to unsworn falsification to authorities.
September 18, 2008
Date
6e
obert E. C erwony, Esquire
Attorney for Plaintiff
Law Offices
KRAFT KRAFT, P. C.
1311 Spruce Street
Philadelphia, PA 19107
Paul Kraft-1911-2002
Preston Kraft-1943-1975
Steven Koplove
Martin J. MOM
Robert E Cherwony
James M. DeSanto
Sean Burnett
1038 Harvey Faulk Rd.
Sanford, NC 27332-9706
September 11, 2008
Re: RJM Acquisitions
Dear Mr. Burnett:
You have been sued.
Enclosed find a copy of the lawsuit filed against you.
Please contact this office immediately to avoid further legal action.
REC/lg
Enclosure
Certified Mail
D-+.,- R " t R t
Very truly yours,
ecelp eques a Complete teems 1, 2, and 3. Also complete
1. This correspondence is' ttern 4 if Restricted Delivery Is desired.
¦ Print your name and address on the reverse
for that purpose. so that we can return the card to you.
2. We will assume 0 Attach this card to the back of the maiipiece,
this notice you give us notice or on the front if space permits.
1, Article Addressed to:
action against you may be coma
a dispute is given, we will obtai*'1/(--? li
the debt has already been reduc
judgement. ?J ? 2
3. Within thirty (30
advise you of the name and add
Fax:
215-546-5100
215-732-3468
a
X Addre
eceived by (Printed Name) C. Dade of Bell
D. Is delivery address ditferard ftm item 11 " 0 Yee
H YES, enter delivery address below A No
3. Type
CvYfied Matt 0 Bpase Mail
O ReglaEered 0 Madan Rsowpt for Merchandise
0 insured mail 0 C.O.D.
4. Restricted Delivery! (t=xna Fee) 0 1bs
I ArWe Number 7004 1350 0003 0967 4227
(rmrmfer hom se?vfce /seer)
Ps Form 3811, February 2004 Domesdc Return Receipt 102596-02-WI59
?A:
,M .
KRAFT & KRAFT, P.C.
By: Robert E. Cherwony
Attorney No. 17623
1311 Spruce Street
Philadelphia, PA 19107
(215) 546-5100
RJM ACQUISITIONS
P. O. Box 5156
Sioux Falls, SD 57117
VS
SEAN BURNETT and DAVID BURNETT
1038 Harvey Faulk Road
Sanford, NC 27332-9706
Attorney for Plaintiff
COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PA
: CIVIL ACTION AT LAW
:NO. 08-4529 CIVIL TERM
PRAECIPE FOR ENTRY OF JUDGMENT FOR WANT OF ANSWER,
ASSESSMENT OF DAMAGES AND VERIFICATION OF ADDRESS
AND NON MILITARY SERVICE
TO THE PROTHONOTARY:
Enter judgment by default for want of an answer in favor of plaintiff and against the above-named
defendant, SEAN BURNETT, only and assess as follows:
Principal $ 10,571.57
Interest 1,672.89
Attorney's Fees 4,040.67
Total $ 16,285.13
Understanding that false statement herein made are subject to penalty under 18Pa.C.S. Section 4904 relating to
unsworn falsification to authority, I verify that:
1. The above are the precise last-known addresses of the judgment debtor(s) and creditor.
2. The annexed notice(s) of intention to file this praecipe was (were) mailed to all parties against whom
judgment is to be entered and to their record attorneys, if any, after the default occurred, and at least ten days prior to the
date of the filing of this praecipe.
3. The said defendant(s) is(are) not in the Military Service of
s J
within the coverage of the Soldiers and Sailors Relief Act / 9r97
has(have) civilian occupation(s). JUDGMENT BY DEFAULT ENTERED AND
DAMAGES ASSESSED AS ABOVE:
NOTICE IVEN UMXR PA.R.CIV.P.236
PR PRO TA
Ro*rt E. Cherwony
Attorney for Plaintiff
Led States of its Allies or otherwise
; is(V j over 18 years of age; and
a^ .
Sean Burnett
1038 Harvey Faulk Road
Sanford, NC 27332-9706
Date of Notice: October 7, 2008
Caption: RJM ACQUISITIONS v. SEAN BURNETT and DAVID
BURNETT
COMMON PLEAS COURT OF CUMBERLAND COUNTY, PA
CIVIL ACTION AT LAW No. 08-4529
IMPORTANT
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 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.
Court Administrator
Courthouse, 4th Floor
1 Courthouse Square
Carlisle, PA 17013
'T P.C.
L
Robert E. Cherwony, Esquire
1311 Spruce Street
Philadelphia, PA 19107
(215) 546-5100
YOU MAY SATISFY THIS MATTER BY PAYMENT BY RETURN MAIL IN THE ENCLOSED
ENVELOPE.
00 p ?
0 / • •v
(Rule of Civil Procedure No. 236)-Revised
COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA
CIVIL ACTION AT LAW
NO. 08-4529 CIVIL TERM
RJM ACQUISITONS)
Plaintiff
VS.
SEAN BURNETT and DAVID BURNETT)
Defendant
Notice is given that an Order in Judgment in the above-captioned matter has been entered against you on
2008.
PROTHO OTARY
BY:
Deputy
If you have any questions concerning the above, please contact:
KRAFT & KRAFT, P.C.
1311 Spruce Street
Philadelphia, PA 19107
(215) 546-5100
KRAFT & KRAFT, P.C.
BY: Robert E. Chewony, Esquire
Attorney No. 17623
1311 Spruce Street
Philadelphia PA 19107
(215) 546-5100
RJM ACQUISITIONS
P. O. Box 5156
Sioux Falls, SD 57117
V.
SEAN BURNETT and DAVID BURNETT
107 November Drive, Apt. I
Camp Hill, PA 17011-5033
Attorney for Plaintiff(s)
COMMON PLEAS COURT OF
CUMBERLAND COUNTY, PA
CIVIL ACTION AT LAW
No. 08-4529 CIVIL TERM
PRA ECIPE TO REINSTATE COMPLAINT
TO THE CLERK OF THE SAID COURT:
Kindly reinstate the Civil Action in the above-captioned matter.
KRAFT &I, P.C.
y laintiff
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SHERIFF'S RETURN - NOT FOUND
CASE NO: 2008-04529 P
COMMONTWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
RJM ACQUISITIONS
VS
BURNETT SEAN ET AL
R. Thomas Kline Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named DEFENDANT
BURNETT DAVID but was
unable to locate Him in his bailiwick. He therefore returns the
REINSTATED COMPLAINT & NO,
, NOT FOUND , as to
the within named DEFENDANT , BURNETT DAVID
107 NOVEMBER DIRVE APT 1
CAMP HILL, PA 17011
TENANT AT ABOVE ADDRESS DOES NOT KNOW THE DEFENDANT. THE POST
OFFICE ADVISES THE DEFENDANT IS NOT KNOWN AT ADRESS GIVEN.
Sheriff's Costs: So answer ,
Docketing 18.00
Service 13.50 - ,?
Not Found Return 5.00 R. Thomas line
Surcharge 10.00 Sheriff of Cumberland County
.00
46.50 KRAFT & KRAFT
01/09/2009
Sworn and Subscribed to before
me this day of ,
A.D.
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