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HomeMy WebLinkAbout09-0744Richard M. Squire & Associates, LLC By: Richard M. Squire, Esquire I.D. No. 04267 M. Troy Freedman, Esquire I.D. No. 85165 One Jenkintown Station, Suite 104 115 West Avenue Jenkintown, PA 19046 Telephone: 215-886-8790 Fax: 215-886-8791 Attorneys for Plaintiff Vanderbilt Mortgage and Finance, Inc., PLAINTIFF, v. Wade A Graham, Jr., a/k/a Wade A. Graham Jacquelee J. Graham 15240 Paxton Run Rd. Shippensburg, PA 17257 DEFENDANTS IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA DOCKET NO. 09-'7~~ Ctvil l~era+ CIVIL ACTION AS SUMPSIT/REPLEV IN/EJECTMENT COMPLAINT -CIVIL ACTION NOTICE TO DEFEND 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 j udgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim of 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. Lawyer Referral Service Cumberland County Bar Assoication 2 Liberty Avenue Carlisle , PA 17013 (717) 249-3166 AVISO LE HAN DEMANDADO A LISTED EN LA CORTE. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) Bias de plazo al partir de la fecha de la demands y la notificacion. Hace falta asentaz una compazencia escrita o en persona o con un abogado y entregaz a la corte en forma escrita sus defensas o sus objecciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomaza medidas y puede continuaz la demands en contra suya sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisioner de esta demands. Usted puede perder dinero o sus edades u otros derechos importantes pars usted. LISTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI LISTED NO TIENE UN ABOGADO, LLAME O VAYA A LA SIGUIENTE OFICINA. ESTA OFICINA PUEDE PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO. SI LISTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSIBLE QUE ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIAS QUE OFREZCAN SERVICIOS LEGALES SIN CARGO O BAJO COSTO A PERSONAS QUE CUALIFICAN. Lawyer Referral Service Cumberland County Bar Assoication 2 Liberty Avenue Carlisle , PA 17013 (717) 249-3166 Richard M. Squire & Associates, LLC / ATTORNEYS FOR THE PLAINTIFF By: Richard M. Squire, Esquire, M. Troy Freedman, Esquire, I.D. No. 04267, 85165 115 West Avenue, Suite 104, Jenkintown, PA 19046 Telephone: 215-886-8790, Fax: 215-886-8791 Vanderbilt Mortgage and Finance, Inc., PLAINTIFF, v. Wade A Graham, Jr., a/k/a Wade A. Graham Jacquelee J. Graham 15240 Paxton Run Rd. Shippensburg, PA 17257 DEFENDANTS 1N THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA DOCKET NO. ©q - '7 y ~' ~~ ~~-- CIVIL ACTION AS SUMP S IT/REPLEV IN/EJECTMENT COMPLAINT Plaintiff, Vanderbilt Mortgage and Finance, Inc., by and through its undersigned attorney hereby submits the within Complaint. In support thereof, Plaintiff avers as follows: 1. 2. 3 Plaintiff, Vanderbilt Mortgage and Finance, Inc. ("Plaintiff'), is a corporation duly organized and existing under and pursuant to the laws of the State of Tennessee with its principal place of business at 500 Alcoa Trail, Maryville, TN 37804. Defendants, Wade A Graham, Jr., a/k/a Wade A. Graham and Jacquelee J. Graham, are adult individuals residing and/or maintaining an address at 15240 Paxton Run Rd., Shippensburg, PA 17257 On or about March 31, 1999, Defendants executed a Manufactured Home Retail Installment Contract (hereinafter referred to as "Contract") pursuant to which Defendants expressly agreed to pay to Plaintiff the sum of $40,146.50 fora 1994 Redman Manufactured (mobile) Home having Serial No. 12226555. A true and correct copy of the Contract is attached hereto as Exhibit "A" and made a part hereof. 4. Pursuant to Page 1 of the Contract, Defendants were obligated to tender and deliver to Plaintiff $436.27 per month for 360 consecutive months commencing May 1, 1999. COUNT ONE - IN ASSUMPSIT (Vanderbilt v. Wade A Graham, Jr., a/k/a Wade A. Graham and Jacquelee J. Graham) 5. Plaintiff incorporates the foregoing paragraphs by reference as though more fully set forth at length herein. 6. Defendants defaulted under the terms of the Contract, specifically Page 2 thereof, by failing and/or refusing to tender and deliver to Plaintiff the aforesaid consecutive monthly payments. 7. In particular, Defendants failed and/or refused to tender and deliver to Plaintiff the aforesaid monthly payments from September 1, 2008 through the present date. 8. Plaintiff, and/or its agents, has/have provided Defendants with written notice of the default. True and correct copies of such notices are collectively attached as Exhibit "B" and made a part hereof. 9. Despite being provided with written notice of default, as aforesaid, Defendants have failed and/or refused to cure the default. 10. As a result of the uncured default under the Contract, Defendants are liable for Plaintiff s costs and attorneys' fees pursuant to Page 2 thereof. 11. As of February 9, 2009, Defendants' outstanding balance is $45,132.02, calculated as follows: Principal and Interest through 02/09/2009 $41,029.11 Attorneys' Fees 4 102.91 Total $45,132.02 12. Interest shall continue to accrue at $13.40 per diem until the Principal is paid in full. 2 13. Plaintiff has demanded the total amount due from Defendants, but Defendants have failed and/or refused to pay the same. 14. PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C. §§1692 ET SEQ., AS ENACTED AND AMENDED, THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. DEFENDANTS MAY DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF. IF DEFENDANTS DO SO IN WRTTING WITHIN THIRTY (3O) DAYS FROM THE DATE THIS PLEADING IS RECEIVED, COUNSEL FOR PLAINTIFF WILL OBTAIN AND PROVIDE DEFENDANTS WITH WRITTEN VERIFICATION THEREOF; OTHERWISE, THE DEBT WILL BE ASSUMED TO BE VALID. LIKEWISE, IF REQUESTED WITHIN THIRTY (30) DAYS OF RECEIPT OF THIS PLEADING, COUNSEL FOR PLAINTIFF WILL SEND DEFENDANTS THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR IF DIFFERENT FROM ABOVE.. WHEREFORE, Plaintiff demands judgment in assumpsit be entered in its favor and against Defendants, Wade A Graham, Jr., a/k/a Wade A. Graham and Jacquelee J. Graham, for the sum of $45,132.02 plus addition pre judgment per diem interest, additional post judgment per diem interest, additional attorneys' fees, additional costs; for immediate possession of the Manufactured Home; for immediate ejectment of any and all occupants; for issuance by the Prothonotary of a Writ of Possession; and for such other and further relief as the Court deems just and proper. 3 COUNT TWO - IN REPLEVIN (Vanderbilt v. Wade A Graham, Jr., a/k/a Wade A. Graham and Jacquelee J. Graham) 16. Plaintiff incorporates the foregoing pazagraphs by reference as though more fully set forth at length herein. 17. Under the terms of the Contract, Defendants expressly granted to Plaintiff, a security interest in the Manufactured Home. 18. The aforesaid security interest was perfected by Plaintiff by filing a Certificate of Title for a Vehicle with the Commonwealth of Pennsylvania, Department of Transportation. A true and correct copy of said Certificate of Title, evidencing Plaintiff's security interest, is attached hereto as Exhibit "C" and made a part hereof. 19. As stated above, Defendants have defaulted under the terms of the Contract by failing and/or refusing to tender and deliver the required consecutive monthly payments to Plaintiff. 20. Pages 2 of the Contract provides that, in the event of default by Defendant, Plaintiff shall have the right to repossess the Manufactured Home; and to sell, lease or otherwise dispose of same as provided by law. 21. Upon information and belief, the Manufactured Home is presently situated at 15240 Paxton Run Rd., Shippensburg, PA 17257 WHEREFORE, Plaintiff demands that judgment in replevin be entered in its favor and against Defendants for immediate possession of the Manufactured Home; for immediate ejectment of any and all occupants; for issuance by the Prothonotary of a Writ of Possession; and for such other and further relief as the Court deems just and proper. 4 Richard M. Squire & Associates, LLC By: Richard M. Squire, Esquire I.D. No. 04267 M. Troy Freedman, Esquire I.D. No. 85165 One Jenkintown Station, Suite 104 115 West Avenue Jenkintown, PA 19046 Telephone: 215-886-8790 Fax: 215-886-8791 Attorneys for Plaintiff Vanderbilt Mortgage and Finance, Inc., PLAINTIFF, v. Wade A Graham, Jr., a/k/a Wade A. Graham Jacquelee J. Graham 15240 Paxton Run Rd. Shippensburg, PA 17257 DEFENDANTS IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA DOCKET NO. CIVIL ACTION AS SUMPSIT/REPLEVIN/EJECTMENT VERIFICATION M. Troy Freedman, Esquire, hereby states that he is the attorney for the Plaintiff, a corporation, unless designated otherwise; that he is authorized to make this Verification, and does so because of the exigencies regarding this matter, and because Plaintiff must verify much of the information through agents, and because he has personal knowledge of some of the facts averred in the foregoing pleading; and that the statements made in the foregoing pleading are true and correct to the best of his knowledge, information and belief; and the source of his information is public records and reports of Plaintiff s agents. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S.§4904 relating to unsworn falsification to authorities. `~. z-~---- roy Free man, Esquire Attorney for Plaintiff Date: February 9, 2009 Exhibit "A" 4 PENNSYIYANIA MANUfACTURED HOME INST~IENT SALE CONTRACT Dated: a ANNUAL FINANCE Amount Financed Totr!I of Payltl~lts Total Sale Price PERCENUIGE RATE CHARGE TIM ^routtt of eredt provided TitaTernouM ltw wii have paid The wtal cost of potr~ on credtt a is a i~~ Thedo 6~ ntt~ the e to you a on yotY behalf. v youl =w ~e a~i eredL indudNp lour payment ta. l r w w c ~~ s~ s , oil 2,200.00 12.7500 9G g 119,910.70 g 40,148.50 $ 157,057.20 g 159,257.20 Numbu d Aroum d u MYea au An Dw Sactrriry: You n phrhq a acarhy ieuntt io tM awdocand hrb 6eiop 96 i 436.27 Y MAY 1 1999 aurclaad. FP;ppaYF>noa ~ U yoo Pot 5 . t] 0' ~ wNl nN 6avs to viY a ~YY- lau Cbago: It o paynbN k I.u, yr sell b ehotpad 2% d tho pordr d db payabat rddch b laro iw weh abadr, or port of a msaW preata thr 10 drys, thN h tarios rwpoii AatrgUorz Saaatara hayla0 yea nrar(acttred Poor carrot auum tlb totrniaMr d tlds Cantran on the odpinal tmro. roro~ eadwd aaT otMr Gatroct dscuaoato Mr oay addlioool iatamMioe ahaot aonpoymotn, ddadt, aai rcquhed npoynrot in full bofon tle sdedo4r dau rl p ~elta~~l rotor 1145 NARRISRUR6 PIKE u sEt.tgt CARLISLE MOBILE HONES INC. CARLISLE PA 17019 as rouore MADE A ORANAN JR JACOUELEE J ORAHAN the 16240 PAXTON RUN ROAD SNIPPENSBURD, PA 17257 N ern b own Uer on Beyot asb o~ f yew pndm, »poruotr ad bpotlbr, to Pry aE me ~o us snd m tndod ie tlr rorwiao errartadarcdtraac t N/A N/A - N/A oar na • taaiha~tred~iAr~6eiotmormr~ntrr ~ iiA win.b~inouNetwrrr~wt'S47Owmo.~~tn PRDPERTT INlIIRAIICE Yr wP rJaea tM perww th,erptr whew hrenrrs b ehmNed epobi Ipa of a dowp ro W randoeteN her eN .pohw feEtty clip ee N m «owaoNip N u^ wwrfocnd twat. U yos o1nN anpaty iaawwo thwpl ut uw tawdn caws br ur iwntw aaa YYeaul hiae on hblydd b tlr Ya aetl ro Ih„rtr learare Oprooey N tlr tT9EWT10Y OF AYYUYT FtrAYtU~ septba of Yb Cea4ad. k iro oadr rNd TOUR PRDYISFY ABOUT INS CE r 1M twat Bide d fhb Cemroet yw n primp ro haeo the nrrfateed hod W hoop h toad. -Phy~iciw~~hr.i N/A rsaa_Mes i N/A Torb.JAa. Coagnheaiwaa = N/A Tea Mos. ~ ; N/A tun_Mos - Merlectaod Firs _ fee rd Tbh i N /A Tor ~Aos. TOTAL CHARGES / N/A CREDIT IMS{IaAYCE d YeT S CroOt Uro hawaa b rt roadrod ro ohtdo aoit ad aN rt In pwvidd uelas Yw sipn bebw rd m to pay the sdOaosY wt Plrr m[ tlw YOYICE OF PYOPOSEO CREDIT IYYIYIAYCE r Uu rmrr ude. Tarainwusaa araliptt or peppy wl tel you the MAXNAUeI onraml N iaarrp aeSehb. BY sipnhrp, yw sdast spa Gedt tYe hwrerrr. Whot b yoe opeT BY sipabp, ya bom slut Jobt Croat Uro barsrxR WMt n whicA can 1 N /A _ rrw which rnp t N /A Tw. spar it stun ya ro as loo t m r ~umr. YAYUFACTURFa NOME: Ya apno to purelre4 oade tW terra of tds Coaaut tM b0errinp mwtumnd has rl its appaerea, hoailur0. ~uwrnm eel Snuro, eideM b tie tlr'hbrefaturN Norco' h tds Watnct. NN Yrr rd Ybaeherenr lqM 8 Width Cie 8 Yodel Sariol NrBa U 1994 REDNAN 28X60 DRAT 6098 12228555 EgWpyoA wr,A ASSIGNEE: Wo nY ntipo tlis CartroN rd Soeodty Aptaaatrt a r •AOSi~w.' R q eq the tM Owrr d th's CoNrrt a~ww tW Cealrut ro arthe asipba, Ur taaa tlr rNes ro sah atbe troipraa Aha tlb Augaabet o1 ry W rd haNin N tM Soeor i Ids tenpset oN k ma Sawriry Aprarret steel trioap b rd d rrowaYohy Ile Aalpoa, ilw AssiYws wi rdry yeo wYa od R Seew awYa r rdpunat CD•SIGNEk Ary pew ipainp 7M Co•FpnMs ApoatrM parnwb oepawly rd bpetha ssNh d CoSlprraW and Buyebl m p.y of nun &w oM m perlom d apoarmsro Uaa Crtran. CaSipsrwaaN M r Owrrd W Yrufuturtl Ibrrro. CD•OWIIEk Anr orw~hp tlM Ca•Deiaof~ Saadtl Aptaraat pica w e socndty imeat h tlr Mewlurond Nemo ono apna, sapmrory rd topelher whh d sad Buyoid to ptubror d oprwmts in the Searcy Apnariart and oA othe porn of tlds tamaet aap tlw'Prorsa ro Pry'rpba. TERMS: TM tear shown is taw twee oMoe en pert N ttis CoWrt. !•~dw~lu : Mir ro.~ly~sdlb~$oM inris m aelpa fhb Carrrat p W Aaiywo. Cosh Prig i 38 800.00 Cash Omarpaynrm i 2 200. DD NN Tndala i N/A Tdal Oawrgaymom i 2 200.00 Unpaid Cash Prig Bolaa a 37 7oD.Do To Cradt gbtaaxa Company i N/A To Propetfl lotnraoa Campauy i N/A To ofticiis for. ~, lkaase, Togo and Rapbtruion s 22.50 lice Fes i 5.00 To Selea TeX : i 2 394.00 ~ T• Flood Fee i i 25.00 To CloalO C06ti i . `N ' Aeauot Fioaaoad i 40 146.50 Fimaee CMarpo i 118 910.70 Tool of Papttwrta fTbw Botoneel 5 187 057.20 PayasnC Sdudde • Yr aprw m Fay tow tlb Amswl Fbaaad phw brunst to 988 tarintamgtad moathly payaads d i 436.27 rch btdarurolpapwbtidi 438.27e. Tlb Post paytaeti adS b• thte ae MAY 1, 1999 ~ aad thr D~~ ~ ~ due r that srb day drehmomhfaSa ' SELTrWTT ABIEk71ER: To sewn dr peymoat N r wr Ir..d tb perlermmq d N rpuiN ADDRESS WHERE MANUFACTURED HOME WAL DE KEPT: obhpoder rM tW Crtrat you pit a ^ sscaNy Peat b mo MearoctbN Harr, b N royrraea. toaKoro, eeuyaant cad Sacra Ico~d +sszaboa7 atahod to th hlwdunrN Nan n aq ate tiwa and iA oq prrasds N 1M tdrdeetad Flrw iepWd'q wsrrru poaedt ltr Asdpa nary atNf rF oaseoom tlw cad uapeY er4r fhb Crtna apiat rY of AD01110YA1 TBW S AYD COYDITIOYe: THIS CONTRACT CONTNSIEB ON THE REYEt1SE 8NE. ywr moary r doP~ esNlr Helena TW Yuhda r-®aoy wide bra a Bay b tla hmn hs TOU ARE OBI~ATFD TO ALL THE TFAYS OF THIS CONTRACT WNICN APPEAR ON THE FRONT AND d~podtodwNhAosprralyyw.Ar_fpwbeyYFWwdtlwtrypMraetkenYw• aEyEA9ESOES. Bydpnnphtlaw,vreprataaOtlwMewfodeadlFsmemysuadetlrrowuofthaCaNreet INOTICE TO BUYER: DO NOT SIGN THIS CONTRACT IN BLANK. YOU APE ENTITLEO.TO AN EXACT COPY OF THE CONTRACT YOU SIGN. KEEP R TO SEtLEfl CARLISLE MOBILE HONES. INC. 7~ eurER p0E A RAH 1 ~'~ ~ ~~'~/,,~ BY: ~ w i ev „i ,emu BUYER I ~QI u ~ A ~ tSEAIF _3~ s i~ n "~ AC LEE J 6RA A etc BUYER, COSIGNER AND CO-OWNER, AS APPLICABLE, ACKNOWLEDGE RECEIPT OF A COMPLETED COPY OF IRIS CONTRACT AT THE TIME OF SIGNING. pp,, r ~.i )n ~L .~ JSw.e i H ~ tfAOE A ORANAM JR JA QUELEE J ORANAM NOTICE:SEEREYERSESIeEFOR1YPORTANTINFORYATION. aAHCONSUbER FONT PAa755lC4LwrA171 OaIGINAI o ta97 BANCdYbUAEA auvsttnc. i~ TAM-20965 ADDITIONAL TERMS AND CONDRIONS+ t. PRDMISE TO PAY: Yw serve u NY a tN TNr tiW Pda rr dts fdsrlscarN Xs:a by taking 1N Tdlr Dsangswrw td PsFrp w tM Aorwt FrwDd pbp M««L Yw Pwoir° a rssks pgnrpc r xc«bsw wYb IY Pslswt iduii. 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HIRE Yw Mw err t° an Ys« Oebab w try try Nfon en ssr tN ttaNwtraN Homes I~f Yw an Yar Ds1ad4 tab Cataa wr nwm r snaa a tNaph We atwlt W wt ~ RDENPTmIt Yw Nn tla rlpN a 6w bsrf 6sdsral tN Yraarehssd Nsra wilb 15 del wrap 1N rotles sl R°pewia sal N teY rut ms Nora M ts1 tN MermlaUraed 4 rAtE: N Yw b rt sae Ysw Defsup r rsdsra Yw pM W N dsh N rat mr edl wl ue IdastlwhxN Ilssa TN mwr nahsd a ah wr a uad u PMf aw wd a'wa, ur Live a prarearat arrest cwwn. ~p~I s A rsrpaq~Eral lM~isls wlr~°t Tw o~wm, Bryu ~ u.6rpssr yns M pr ~°L °«Ni ows fuEA~P~Epr~iEk~wse~Nrpw ih yield a rwM wu, ad ya 4w u p/ tM aW N rpa lbw cots wfwlr bsda~ tW rd aDsE Live Mwrdsad Nwr u srY N cloyed 6- rw. t.ONsrt saW Rluss 115-dgr st W maN ntst»ashC L TN earn abd, rramtY ad mseasb!c wd awe un rrswtr a,n wre pia n. IEIItS Aim PErsoru ralwaErrAnYEa tourer Atw Yrn aeet0. tbb Cadrst rail N afauahr eclat Ywt uin rr paver rsprwtdatins N Ywr :sera 1& CDYERRJNC IAW: Thb Casrwt b a M htaprad sewrdtD a tlr h« sf PsaasYMSnia atar'd rtIEVEW~1 wbk ~t Pin th~itsiroi bi ~pertr Nena~'a~~al we toatna manuwme mapaL 20. ASSIBIMErT rY ruYEr a-« ebtlrt user Lib Cerrtnet. :t. TINrE ApE ro wARrArTIEr sY FALLER EEPrE:sm DR IMPLIED. ttaxoare TrE ~crvw raliuu~ wRrt~TeINwA~irurn~. A PArncwu PluvosE, urLESa NOTICE: ANY HOLDER OF THIS CONSUMER CREDR CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF ODODS OR SERYN:ES OBTAINED PURSOANT HERETO OR WITH THE PROCEE05 HEREOF. RECOVERY HEREUNDER BY THE DESTOR SMALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. NOTICE OF PROPOSED CREDfT INSURANCE The sirner{{o) or this Conusct hereby nkeisl notie• that Group Credit Lifer Insurance coversga wiD be eDPUeaWs to this ContraM if so marked on the 1roM of th4 l;orttract, and the cdverepe wDl be written by the insurance company named. Tha insurance, subject to seeepgnca by the inswer, covers only tM person a persons oipninp the requsot for such rnswance. The amount of charQs is indketad for tM Credit utewence to ba purottssad. Tho arm o1 huwarce wit commancs e° of the date the indebtedrwu is incwrad and veil expiro on the oripnel scheduled maturity defy willhbr ~iwrb to tl~iet°ni °wrid~dsitorlals s aei'rficado°onof Wura~etmon fully ~scribi°QtnptotMcrnetnaewsnciY Itn°tFa event of ~epaymsani°ol tlr indsbwdnsss, • refund of inauranee eherpsa will bo made when dw. 5 aasiastu tri~lln OR I B I NAL Exhibit `B" 079095907 I (1473602270!124329 8 R Notice of Default and Right to Cure Default Dear: WADE A GRAHAM IR Dat8292008 Name and address of creditor: See reverse side. phon~0097(17250 Account numher: 190959 Certified Mail lt1104 7360 2?7(111242 29R8 Brief idemification of Credit Transaction: Retail Instnlhnent Convect. Promissory Note or Assumption and Modification Agteernenl dated: 4A11/t999 and Secured by Maaufacwrcd Home and/or Real Properly Amonnt to be Paid to Cute Defaah (Total of (p end (2)): 5372.54 You are now in default oa this credit transaction. You have a tight ro correct this default by the later of 45 days from the date you receive Uris notice or the date oo which we traosfu tick ro the manufactured home which scares your scrnunt (if the manu[aclrrrcd home is parental property and you do ant cure your default within such 45 day period and we recover the manufacuved hottx). If you couect the default, you may continue with the conuact as though you did not default Your default coasiats of your faiWrc (as marked): (1) X [ ] m makd_ paytnent's begitinlog witli~tBe payment, in the mtal amount of S A72S4 , and delioque~y cad tetrrra check charges roWiag 11.00 teaultiag in a roml emoum k default is Wis regard ~R54 (2) [ 1 to PRY ProPenY taxes or other asasatarnts on the manufactured hots and/or teal property which secttrcs your rnatraM in the aarouot of S (3) [ ] ro )rrovlde us with evidence of your having adequate hotrreowner's or property damage insurance (including flood insurance if applicable) on the maaufacmred or modular home which accrues your coatrect Cure of default: Within the later of 45 days from the date you receive this nodce or before we transfer dtk ro the rruaufactured home (in the event you do sot taro your default within such 45 day period and we recover the manufactured home), you may cure your default by your sending, and our receiving, the Atnoum ro be Paid to Curc Defwlt set forth above. PAYMIsN[ SHO[N1 BE MAQ.ED ALONG W17'H PAYMENT COUPON(S) TO: VANDERBII.T MORTGAGE AND FWANCE, WC., PO BOX 742533 'nr'nnari.OH 45274-2533 If (3) above has been marked, within the anoe lime fame set forth above, you may cure this defeuk by your tending, end our receiving, a copy of your horaeowners or property damage iasuraoce (including tbod insurance )f applkable) policy or declarations page. THIS MAY BE FAXED TO ME AT 865 38(1-1212 OR MAI[.ED TO VANDERB[LT MORTGAGE AND FINANCE, WC., PO BOX 9800 Marvv0k. TN 37802 ATTENTIONvIRt?SSA WEEME_C . Tn addition, you may entirely repay the entire atoount due under your account. Creditor rights: It you do nd wrreet your defeuh in the time allowed, we may exercise our rights against you under lire law by • demanding that you pay the total amount due under the wntract; • if you do rot pay the rout amount due under the contrxt raking possession of the msoufacwrcd home which secures pour convect and if you do not voluntarily rcksa the tnanufscwred home to us, taking legal cation to recover the home; • it the wnvact is also secured by real property (or is scared solely by real property ere the manufactured borne hat been convened w real property), taking such cation as tr petmiued under the mortgage, deed of vest or security inswmeat ro foreclose oo such real property; * if the recovery and resale of the manufactured home and/or foreclosure of real property fails to pay off your obggations under the contract. holding you responsible for the remaining amount due under dte contract and taking legal action against you ro collect This amount; • requiring you to pay any amount necessary to pay for our teawaable attorney's fees, legal ezpenscs and other sums to which we may entitled due ro your de(auh under the terms o[ your contract and as pumitted by law; and • reporting your default, scar recovery of the home and/or foreclosure of the real properly. whet you owe us and athu information about your performance under the coavact to consumer reporting agencies. You have the right to redeem (recover) the manufacwred home, which is personal property, if you pay us the full amount due under the contract before we resell it With respect ro real property, you have such rights to redeem as may be provided undo state law or k the mortgage deed of vest or security inswtnem which secures your contract. Please note that should you tttake a payment ro us within the cure period which is insufficient ro cure your default we may accept such payment but our doing so will sot mean you have cured your default, and we will confinue to have the rights sued above. If )•ou have any questions, write to Vanderbilt Mortgage std Fiaaace, Inc. at the above sridress or call the X00 970 7250 between the hours of 8J0 cart and 5:30 pm Monday through Friday. I! this default was caused by your [ailurc ro make a payment or payments. and you want to pay by mail. please send a check or money order, do not and cash. In addition w the rights you have stated above, i(we recovu possession of the manufactured home, which is personal property, by other than legal process, you have the right under Pennsylvania law to redeem the manufactured home within ! 5 days following the date we mail you a'aoGce of repostteasion ' To effect this right, you must pay us by cash, cashier s check, or txrtified chxk all sums due and performance of any other obligation is the abseatx of aaekratioa, pay reasonable attorney tees as allowed by Pennsylvartia law and reasonable costs of proceedings ro legal action; late Fees and costs reasonably and actually incurred for detaching and transporting the truaufactumd home ro the site of sale. VANDERBILTMOR7tC;AGE AND FINANCE. WC. (U 116] Uaikd Smxr Arpanmenr of ttoahra .ad urban Develepnxa Servimnxmben Civd Relict Ant Make r .enlgiahb »r .rrL,ne ceder the C RA Servironxmheu m'redae day' err Strive mvirx: n a deperdea of rush • rervkemeorber may be eeiad a mn.in kgJ praxpiau and deb relief punara n the Servcearenrhets CivU Relief Act (Sa USC App. # WM Mm Re F r sd m r .e.r r,«»,,..,: t hde. 6. cata7 miSlary reaorC cad rhea rpouw. WMl Legal ..+Mw. ~»Cnry' mMry ,±i4A Tn hu4r !r'RA+ Inaace eaatiwer m revert ride) dull rmt bear in~erna u a rue alawe 6 peram dudng the period of military smi~e. rmieennmber'a milimy ren•ice. a awn may abp the procsedugr fm a pa:a1 of dme, ax adjna the debt In additim, de ale. fnrulnmre..r seisurc of real ematr droll as be wlid if k rtcctra Bring. m a.ahu 911 Buy. a0er the ren•irememhefr military navke rmleaa the aediu+r haa.+Maim.•d a cixm adrr approving Ur rok, fareeloma +x +xiza< of dx +cal crate. Nea. Dnea A Servieemant><. or De+uer+dea Rea! R rf Uad.. do SL?AT mviremem6erl military Orden. WdOUt uotke uhauW be acct tm ' VANDPRBILT MfMTOAfiE and FINANCE Irc. 500 A4w Tn6 Maryq•Be 7N 37M11 Attealioa: MH,ISSA WFFifES tbty non a carkememha m nea~mdeat otf ~. farar.~~t.., et.an a, era ev AmMoane Officer. A mililory Iqd atdaattm office hwm fa each hrmeh of Oro tuned tamp u avalYbk at Sari arc: Wom tl+e United Stata: 1-80D3ffiAN7, From outride the Udmd Swee (wMe avaBabk} 7-80D-341.6477. Iofuoadooal mBat 484.530.5747. P.O.B+u 9800 MaryviRc. TN 37802 7109 7360 2270 0292 2988 WADE A GRAHAM JR 15240 PAXTGN RUN RD SHB'PENSBURG. PA 17257 0790959071047360227002422971 Notice of Defauli and Right to Cure Default Dear: tACOI IFi F>r ]GRAHAM DuBf292fR18 Name and address of crcdimr: Sec reverse aids. Phenr80D 970 7250 Account number: 790959 Cenified Mull (0104 7360 2370 0242 2971 Brief Identifxation of Credit Transaction: Raail Installment Coavad, Promissory Note or Asauntption and Modification Agreernem dated: 9At1/1999 and Secured by Maaufacmrcd Home and/or Real Property Amount m be Paid to Curc Default (Total of (1) and (2)): 3872.54 You arc now in default on this credit transaction. You hhve a tight m w[reet this default by the late of 45 days from the date you receive this notice or the date oa whkh we vansfrx title m the toaaufuturcd home which aecwa your account (if the manufactured home is personal property and you do ant cure your defauh within such 45 day puiod and we telxvu the manufactared home). It you correct the default, you tmy continue with dre contract u though you did not default Your tkfeul[ coasiris of your failure (as marked): (1) X [ ] ro maki4on (X payment's begimin$ witBNWBB payment, is the mtal amount of S 872.54 , and tklhrgttetmy end tetrun dteck charges mtalk$ x.00 . rt:sultiag 1o a bW amount in defauR Io this regard df/Y34 (2) [ ] m WY ProPUIY taxes or othu assessmeau oa the manufactured home and/or real proputy which sewres your eoatract in the amount of f (3) [ ] to provide us with evidence of yom having adequak homeowners or property daatage insurance (including flood inautaoa if appDcabk) on the raanufactrrrcd or modular borne which secures yore contract Cure of defaulC within the 4ter of 45 days from the date you receive this notke or before we transfer tick to the manufactured home (ia the event you do not cure your default within ouch 45 day puiod and we recovu the tttaaufactured home), you may cure your default by your andiag, and our ttxeiving, the Amount m be Paid to Curc De6ult set forth above. PAYMENT SHOULD BE MAII.13o ALONG WI'1N PAYMENT COUPON(S) 70: VANDERBII.T MORTGAGE AND FINANCE, iNC., PO BOX 74 a9 Cin inns iAH 45274- Sta 1f (3) above has been marked, within the same time frame sal forth above, you may cure this default by your sending, and om retxivirlg, a copy of your hotrteowner'c or property damage insurance (including fbod insurance if appliabk) polky or declarations page. THiS MAY BE FAXED TO ME AT 8!5 3R0-1212 OR MAIIm TO VANDERBft.T MORTGAGE AND PWANCE, WC., PO BOX 9800 Maryville. TN 378D2 .AT2ENTIONNELiSSA VJEEMF_5 Tn addition, you may entirely repay the eati[e amount due under your account. crcdimr rigbts: If you do not correct your default in the time a0owed, we may exercise our rights against you under the law by • demanding that you pay the total amount due under the contract; " if you do not pay the mtd amuuat due under the convect. taking possusion o(the manufacmrcd home which secures yonr convect, and if you do not voluntarily release the manufacmred home to us, taking legal action to rcwvu the home; • if the contract ie also srxured by real property (or is secured solely by real properly as the raanufatturcd home has brxa converted m real Property), taking such action as is permitted under the mortgage, deed of war or secuity inswrrteot m foreclose on such real propwty; • if the recovery and resale of dx manufactured home and/or fo[ecbsrue of real properly fails to pay off you[ obligations urldu the tmntract, holding you responsible for the rctnainiag amount due undo the contact, and taking legal aMioa agaimt you m collect this amount: • requiring you to pay any amount necessary m pay [or our reawnabk auo[ney's fees, legal ezpenaes and other sums to which we may entitled due m your default under the temp of your contract and as pumitted by law; and • reporting your default. our recovery of the home andbr [oreelosurc of the real properly. what you owe us and other infotnWioo about your performance under the convacl to coaamaer reporting agencies. You have the right to redeem (recover) the manufactured home, whkh is personal pmpeny, if you pay us the full amount due antler the contract before we resell it. R'ith respect m teal property, you have such rights to redeem as may be provided uade[ sate law or io the mortgage deed of win or security inswmem which accrues your mnuact. Please Wort that should you make a payment to us within the etue puiod whkh is inmfficient m curt your default, we rosy accept such payment. but our doing ro will not mesa you have cured your default, and we w01 continue to have the rights stated above. If you have say questions, write m VattderbOt Mortgage and Finance, inc. at the above address or caB me ~QO 970 7250 between the hours of 8:30 am and 5:30 pm Monday lhrou$h Friday. if this defauh was caused by your failure m make a payment or payrnwn, and you want ro pay by mail, please send a check or money ruder, tk not send ash. in addition m the rights you have sated above, if we rcwvu possession o[ the manufactured home, which is personal property, by other than legal process, you have the right undo Pennsylvania kw m redeem the manufactrrrted home within 15 days fo0owing the der we mail you ^ 'node of repossession ' To arrest this right, you must pay ua by cash, cashkr's check or cgtified check all sums due and performance of any other obOgation in the absence of a~xekration, pay reasonable atmrney fees u allowed by Pennsylvania law and reasonable costs of proceedings mlegal action, late fees and cons reasonably and actually incurred for detaching sad vansporting the monufacmred home m the site otsale. VANDERBII.T MORTGAGE AND FINANCE. WC. [Ia l16] Urited Smtn Dap rmmw of Hawq aed lhbon Develapamot ServicenwnlrersCiva Reief Act Ndre Ignl Ri~M+ aed Pmlmim~ UMer LM CCRA Serviasseshen oa'active day' or'active service,' a o depetlea of with a srvicentember ntay be eatiad brxrmia kyi praecutms atl debt rctbf pww~d ro the aervicearemkn Civil Relief Act (y0 USC App.1 Who Mvn ere E-xiLd r, L.ral .,.,+IIMrr w CCRa+ mifmry aerka: atl rbeL spotaes. wt.-. s 1 1„v. Ace emviee vmMs -.ar.d Tn huL.. tk eCRA7 (sacs tosiatn oo ravers sYde) dm0 mt bear interc+t u • tue above 6 paoeu doing the perod of milikry+ervkc. crvk<ntember's mifikry retrke. • gnat may >4' ds pnceWitq+ fm a period of tine, m adjuu the debt. la additive. the wk. f rcc4xver. a cvnre i><real nude dtall not be valid i(n decors dining. R within IXI day+aM the aervioemembet'+mi0tery xervice unk+a the Rediurt IW<`~ oblamed a trxRl adtt apprtrving Rte +ak. faevinme, w rraurc of the teal efLk. M...~ Uoea A Servcememlr•. a ~ edr+ R.tgry{ Relid~AT rervieetRSmber'+ av8kry orders. WrMtm notice sbouk he sin to: VANDERBILT MORTGAGE and FINANCE Inc. S00 A4s Trail Maryvilk TN 77804 ARmrom: MEIJSSA WFBMPS -.7 Dom a C~.4...~-her er pepr•••t-mot •I.Id -tt~ ~Mnl C/'nAT AwMance tMica. A tn0ikty kgai mbtaex once locara for each brotrch a(dc vroed lrncrx b aveibbk ar Sratrce me Fein the Uttikd Stake 1.800.]42.9647. Frew oWide de Udfed Suses (srhme .T.il~kk 1-gOD-34?'N77. kauutiooal co0ecC 484530-A47. P.O.Baa 9800 Maryville, TN ]78@ 7109 7360 2270 0292 2971 JACQUII.EE 1 GRAHAM 15240 PAXTON RUN RD. SHB'PENSBURG, PA 17252 Exhibit "C" 0 0 ~ 0 ~ ~ ~,. `` CE,RTlFICATE OF TITLE FORA*~/EH~t•CL`E j ~ ;F , , .. ~ oooncra sTATw ¢.. r•J `r~•{. ~-. .. r. WIF.AOE tACEE06 THE MEGA1aQAL ~.-~, cl, urns ( ~•£~"" ? ~ ~ ~l.IRN'T/E AEilYlL lo{EIAi ~J~/`'~' r (~~:'.~+~' f . Nor o1E ACTWL ru/AOE-0OOYE'1ER ~r n U ~~ •'' i~. i n ~ a. E11EAMf ~ °~°°rtflN °sCLOwIIIE OOOPIE~ER DISCLOSURE ~ f.OERAL LAkI OVAY6R19- ~ ' ;i ~ ,a! ~ J A . AMA VOIIELE ,~. C . CIAebO vEMCUe 111'Ai E A E JACQUELE ----• °•"~i10LE - F . o1x aF oourlwT ;GRAHAM ~~ ° • ~ v-rw.~oaraw.a L5240 PAf(TON RUN •RD rt. ' ~r t :~ ~ e A:. Aecasrlsn,~ S,HiPPE(~SBURG PA 17257 6 _~~„~ ~ a ~ T . REOOYEwEp TMpf Y@LSIS . Y . YE/9aLS 00111ANe R6epKD V.1y w.1lODDYEle0.E I ~ ~ /' ~ /.,. X . pYWASA TA79 FI0.9~ U~I,FAVOROF: . ~:{ SECOND UEM FAVOR OF: 9 ..•y.~: ~ CHASE p ~ , • ,~~ Q .. I ~• ~ ~" Q , ,~ /J~ , • e . woana wweK r•iw.a won uewACwo~+ a e. aQ.~ rti sr as (r D rN+wu.r aue riww'nr Tw a w. a.«o a wour vw_ew,Mn °r L~r+~ /) awropWiwrowid4- HATE n i_ ~. ~ti Or ~~ SECOND UEN RELEASflo i9 •. :~AlrtlipNRED REPRE6ENTATNE - .~. DATE .~~::.' uA1uNa AooaESS ~, AUIYIORDED REPRE6ENMTIVE ! LHASE Po 13ox 9800 ~IARYVILIE T~1 37802 a A 'J L i -~'i owr tl a e. ar. d Ywn~ M aA,w wows. d er~P.r.rrlwa. D.FrMwr ALLEN 0 8 I'E H E R ~~ ~M M Ala wiK~~°' i~•Dr~MN a aa%nY nr~iiJ IwNn r Ty . ,/,/ . ~ r.N oww Seaeur~ dTru-yarl.tM° ~ it ~ p Gi1flrT9L7AUlL•YJ VWI IR~LS ' 1 ~ 1 ' ~ ~ 1 ' 6usa;Rl6EO AIO SWOWi D e co•p~rahnar otlrr eun Your ~N 4 aid You wenl dM ro t. ssted ee '.bIR1 Ter9um 1NIh RI~pN a Suvwown4' {Qr desdl a o1r i eePaRE L1E: „ owner. tek doss ro euMvflp ewTrrJ plfidt•1117~ ~. CW1elwbe, d19 s1M _, ~• (; ' wlp be Iselled es Telur9s h Colluwon' ~oii aeeM+ a on. ownu. wwa~ a aowruwe asnaaw.w.,e+EwAO arm `, ~ dsoeeeee owner qow b 11iSMar Mks;a a91w). . S• ~, ~. rBT:UFJ+ WTE: . ~,~ . rf •` "'D IF NO UEN, CNECK p Z .. ~ jf ~~ •. .... t5T UENNOICER ., rY •. ' . .r t 1 '1 ~• : f ~ . .~ CnY STATE LP `, V ~~i „~ ~ j ~~ ff TWB IS AN ELT. CNECK MERE O NOTE FN REOWRED FINANCIAL NSTIrtlrlON NO. '.~ ~ ~ ,-~ M~ 2ND UEN GATE: -0 IF NO UEN, CN6CIf ' T i •~~ A~..r w~ Mb ~w IOOIww~ w °rwfwU M i# d ~rP~ .M Nww W NW rpr W1r W 1YN Iw. . . 2ND UEHIIOLDER ~ 4' . ~~ • ~ ~ ST16Ef i siOw.lUAC O..MR1aWf OA.UrMw® pOnM + .• +' ' ' W 719516 AN ELT. CNECI( HERE O FINIWCYIL . wwauA9amArnc~Nrmna oe umw®~awtA NOTC l9N 11EOVIREO 0r6TIMgN N0. ( ® a® .-a. I I p~~ ~~ ~ ~ 0' ~ ^' c_ ~ ~ ^ iTt W .; ~ ~7 E >..3 ~? i e ~! 3 _, . t.1 "'; Richard M. Squire & Associates, LLC By: Richard M. Squire, Esquire I.D. No. 04267 M. Troy Freedman, Esquire I.D. No. 85165 One Jenkintown Station, Suite 104 115 West Avenue Jenkintown, PA 19046 Telephone: 215-886-8790 Fax: 215-886-8791 Attorneys for Plaintiff Vanderbilt Mortgage and Finance, Inc., PLAINTIFF, v. Wade A Graham, Jr., a/k/a Wade A. Graham Jacquelee J. Graham 15240 Paxton Run Rd. Shippensburg, PA 17257 DEFENDANTS IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA DOCKET NO. 09-744 CIVIL ACTION AS SUMPSIT/REPLEVIN/EJECTMENT PRAECIPE TO DISCONTINUE AND END TO THE PROTHONOTARY: Please mark this matter as discontinued and ended without prejudice as to the above upon payment of your costs only. RICHARD M. SQUIRE & ASSOCIATES By: Richard M. Sq ' ,Esq. Attorney for Plaintiff £'~~ ~.:. , ,~, t ~ ~:.~ `~~~Y^1 ~ .... i j "<n. '- ..~ 'a;' f ~ t. ~-~ .,,~, ,~:~