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HomeMy WebLinkAbout09-3573Reliance Funding Company, successor in interest to Reliance Finance Company v. Victor Ashby and Melissa Ashby - Complaint page 1 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA, CIVIL DIVISION RELIANCE FUNDING COMPANY, successor In interest to Reliance Finance Company, CIVIL ACTION - LAW Plaintiff, No. OQ - 3573 Gwitl-erA, vs. VICTOR ASHBY and MELISSA ASHBY, COMPLAINT IN CIVIL ACTION Defendants. Filed on Behalf of Plaintiff, RELIANCE FUNDING COMPANY, successor in interest to Reliance Finance Company COUNSEL OF RECORD FOR THIS PARTY: John R. Keating, Esquire PA I.D. No. 52779 XPA ry l Esposito Kaufman, Esquire I. D. No. 55952 KEATING & ESPOSITO, P.C. 4232 Northern Pike, Suite 202 Monroeville, PA 15146 (412) 856-8484 Phone (412) 856-4444 Fax Reliance Funding Company, successor in interest to Reliance Finance Company v. Victor Ashby and Melissa Ashby - Complaint page 2 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA, CIVIL DIVISION RELIANCE FUNDING COMPANY, successor In interest to Reliance Finance Company, CIVIL ACTION - LAW Plaintiff, vs. VICTOR ASHBY and MELISSA ASHBY, Defendants No. NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claim 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 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 OR CANNOT AFFORD ONE, THEN YOU SHOULD GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP: LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 1-800-990-9108 717-249-3166 Reliance Funding Company, successor in interest to Reliance Finance Company v. Victor Ashby and Melissa Ashby - Complaint page 3 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA, CIVIL DIVISION RELIANCE FUNDING COMPANY, successor In interest to Reliance Finance Company, CIVIL ACTION - LAW Plaintiff, vs. VICTOR ASHBY and MELISSA ASHBY, Defendants. No. O 9 - 3573 Otu4- --72 4."- COMPLAINT IN CIVIL ACTION 1. Plaintiff, RELIANCE FUNDING COMPANY (hereinafter "Plaintiff") is a corporation doing business at 8730 Wishire Blvd., Suite 350, Beverly Hills, California 90211. 2. Defendants, VICTOR ASHBY and MELISSA ASHBY (hereinafter "Defendants") are husband and wife, with a last known address of 215 Cavalry Road, Carlisle, PA 17013. 3. In 2008, Plaintiff changed its name from Reliance Finance Company to Reliance Funding Company. 4. Reliance Funding Company is the successor in interest to Reliance Finance Company. COUNT I - RELIANCE FUNDING COMPANY, AS SUCCESSOR IN INTEREST TO RELIANCE FINANCE COMPANY v. VICTOR ASHBY AND MELISSA ASHBY - Reliance Funding Company, successor in interest to Reliance Finance Company v. Victor Ashby and Melissa Ashby - Complaint page 4 BREACH OF CONTRACT 5. Plaintiff hereby incorporates by reference Paragraphs 1 through 4, inclusive, of its Complaint, as if the same were set forth in full herein. 6. On or about May 11, 2007, Defendants completed and signed a Credit Application and Installment Contract for the purpose of obtaining a loan from Plaintiff. A true and correct copy of said Credit Application and Installment Contract is attached hereto as Exhibit 1. 7. In reliance on the information provided on the Credit Application and Installment Contract and subject to the terms therein, Plaintiff loaned $6,285.36 to Defendants. 8. Pursuant to the terms of the Credit Application and Installment Contract, Defendants were to pay Plaintiff $213.69 per month beginning on July 1, 2007. See Exhibit 1. 9. Defendants have not made any payments to Plaintiff on the money which was loaned to them. 10. Defendants have breached their contractual agreement with Plaintiff by failing to repay the money which was lent to them. 11. Pursuant to the terms of the Credit Application and Installment Contract, Defendants agreed to pay 19.9% interest per annum to Plaintiff. See Exhibit 1, page 4. 12. Plaintiff has repeatedly requested that Defendants pay the outstanding balance but Defendants have failed and refused to pay. 13. In addition to the aforementioned amount, Plaintiff requests interest at the Reliance Funding Company, successor in interest to Reliance Finance Company v. Victor Ashby and Melissa Ashby -Complaint page 5 contractual rate of 19.9% per annum from July 1, 2007. WHEREFORE, Plaintiff requests judgment in its favor and against the Defendants, VICTOR ASHBY and MELISSA ASHBY, jointly and severally, in the principal sum of $6,285.36, plus interest at a rate of 19% per annum from July 1, 2007, together with court costs. KFATING & FSPOSITO_ P_C_ BY: Cr wit Application Ramaphe"e (l 17 ? ryll?.? WodcPb.oe ('1 ! 1)•,.?St?f? 8'd+73 capbw ( : t31t>? Z'm Yl ?pri,?e r lad'i Zpc31W" Adkm RaaR OOtx m s q ?rQ Yemstteeide.oe V le rr?me at n? < NodhwFa?to athOOm,ad rtBeyai?bls Tatsadl6 trritiDa ml Id aaa6aeta?r ? ? Mdwkbwom Addkiooelu me Yes No somoe Amounts ??. child of titptrege me?teoeaca ?eeetved uodx:• L?! CUIO OR*rr WON AVwwW ? Oiat Andenmft MoothlY SWftaa S ?Q ?O PERSONAL , BOOM Reidw P'O" ( '} Addrop 170 1 5- ^ kdetiooet • . Noa.Rele?e 13oaspione ? . A 1°" .L ?p O / ?' cim SLOB zo f? 19 f ,'S t • 0.4 t•"7P11? L? r Koo?tt - 8! e1Wei btin? t appr,. m Aiedrm I .m - o agwy +a?fo?a it dm plyaidle ? "Llpidrl') YY1i6ed L do Rohl 1r1t ci*Utt I oN vol otaaay>1MVbaa ,ae ,tyi w (do -Caftan b mlsiOm•r ieTour CorneU Mad y. * 1rYta so QeeYOef ee 11a t),at rt b a *b tans ry a4i0os alia tof0eredae 6 aegtwb... w .ea..r r.aro?. iM warott~ w."v Aatyoas to dm* i Aw?'7: I tyKiaaiaoo ar>tteerir w'°'? LdirMb aMaiMlws melt wpr,?lwt{ wme fan otit or ®dt and ad Vm* aoilt a" t17NMlaor?!lMeallaa w. tYr orf age WPN* tlaa .? 8 sm sommilas wwo far tier to NAM 14" IS IM a . gii« awiK,,,p.eniodaRoo.d Mad isartn11ud1oa?@ AttavMwtylw,l Nuta . Alei?KaRe?afICIYISRil?tlrtnae Daiwa •Exhibit " • page rr -I I Credit Application ApWHt, VmmTK mrj WM. lkrxpmmft , relit rnsoNALROGNUUM i 7:P . 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Cart Otder?q?iiMea Agerasgt ?•Oasi Undarsgmdiog ?'?Y ?Dedes s . l iys?>to4?ti.r A,r-, ET m Pltme .else . `Aintt COa?Ar ' pop?gf$ NOTICE Me e & Victor Ashby Please. Read Carefnny! To wren the awwwy o£'Ehe myamelion--anyour-ftM h*tdW&"1000iaot forrMiWM.,Savi0'M-W- awrM ao owes* navkw it prior to tint ifyon me aoauaoy aftiae-i?oam?ion,•please:DO NOTaiprl?coaittactt' itegbesttlMcthaiebeaa?tlan'be•dari6eetar; if noeeaary, correaba aua -e rinw aoaoraa ?eabea. Fur'ry' . We'mo?t arlfksl- ca?get ??mCboiaw; .' Seller (Creditor): Buyer (Patient): Coafta Number. Coattact Date: Fast Payment Date: Number of.Psyments: Amount of Payments: TaW Cash.Pfl=. You auademand thaat the Seiler FOedhw),i Mas o essiP your =*ad to•Relimm Fineno Dr..De Ramon Melissa Ashby 249588437• 5AM7. 7/112007. 48 $213.69 $7,034.48:. Cmmpenq?>LI?.(RP4. RFC MWW p $e coohat t at adi d d . . . aooe o xatie.. RFIC.h net r k. for.mw. 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ANY HOLWK OF nn.coNsvmm CptliDrr COWMUCr X SUa`1WT TO AIL CLADO AND name= Wmxz THE DXMR COULD ASMT AGADW TMIC SMAXIL OF GOODS OR SU'iRM OBTAINED PURWANT ENUM :OR WrT`l3t Tim P)lUC1i w mmuww. l mcwvmy BOOM= BY THE DUIM SHALL NOT MUM= AMOWf= PAM 'BY THE DUMM AI 'IWRiZATION TO CHARGE ACOOUNT(* N Buyer is ft do*o* em Sk Ceutract for mare tltaa to dq4 Byer mdkwbw Reltloce P1nm" Caaywtq, fAwOMe a of r Combmft), to dmw DWr's aWk and a*Vw ieMSeWa dw deg esomim , raw alterentthro aoures of t; the moment of the p"Mo t that b hrlay, boadlep tie up amide Iab eheeiI where p•euNtted by taw. In tha etroat Am pee. detrW D" is cniit ewd mtdAar # "Buyer's died ft 2000114 Bqw w® us t dbpub' die dwrip. ly Now oo emme 14 ddwk of Sh Cawrtraet far SUbjeft to a OMobb Oft' no" mud "M MW retp kummb, Andpw p dmr Ngers ceedk eard aadAar dslitt buyers cheeltlet aonasit the tail .00160 p h aoereted aad uapaW fiaareee &Wr? uupaN left pey mmt dhaeM and rued cbe* do rW doe a Sk Contract, as perdtbd by kw. Areipee's awdw of tbie rW b sub)eet is Dryer's bona 96 dbpteb r%blb6 NOTICE TO BUTM Nedee to =tie buyer. h) Do not Sip tb arvenwe bdbm you rod It er K it osatai w any bhok spec. (h) Yan are eetfiged to a eooplete[y Piped a.aipy of tib (3) Undr t* law, yea haws the rW b pay of[ IN mksm a the 69 =Went due aged under certain a dWsns to obtats a MW resod of tie series dunNe. ACWfGWLSDGEMENT Yon admowkdpe that bef ere aipiap this Coat m.d fiat you bare read fhb amen Contract and reedved a . S copy stab Contract and an other daub yaw hm deed Kmv ymr ew af fib Csutrad wfih yaerc reooerp as it sub fats dte bxan and os?tiertaaf Bde t?rinoetian. Rekg l ushmm"t C nftsd STATE1O ) .Covw On4s n-7 news oe y evide,bw to be the person TAM to me fist ebe ixeoubod the mu no in her audwri=d or the artuy upon bdmffofwiich dw pm ,acted,' WMMS any hand and o18cM teal. \ PENNSYLVANIA Not" O? •?. ?AREY ? . POW ?a?oooo?-,, . Co-Buyers S .. mm btnm mo 4dawyndic unhir t. s*Mw m eye immnwppt pmaN Exhibit.°,L° Page 6 , 1 Reflance. F?taact Ca?p?nti ' rro be read and sk med by coWpar begin sWft the UM '. Papa 9 ofd NanCB•TO Cosh You are belt asked to game the debt. Think oerefi* bdbm you do. If the borwum doera`t pay the debt. Ycu wUI hm W Be sure you cm afford to pry dfycu have t k nd dw you waut to weep d ds.rammus itft . You nwW have to pay up to the AM anwuut ofthe debt df the bcrmwer does nat pay. Yoa wesy abo have to PW 10 has or caBaction costs, width inurom ft wAmt The aredhorom collect this debt fromyoa wwwo dirt Uft to celled from the bow vWw.. The aroditbs can use the now ooAeddou moWods *ph* you • N can be =ad sph* dwa borrower, such as soiog.• YOW wages, 060. Ifthds debt is-ewr h? deom% Odfsd noy become a pert cfyear a eidt reom& This =do* knot die'conaad that wndu youftbb for lbe debt, . I adawosvdedge I bane received this Nodoe to Casigtwer.• . Da6mx. , -a 7 sue; 1 Exhibit Page i I i UNSWORN VERIFICATION f, RAG -S'4L??, state that I am the Co LL!2ria 0 WOKYlAf RELIANCE FINANCE COMPANY which is the Plaintiff, herein. I have reviewed the annexed pleading and befieve'the.. facts contained therein are true and correct to the best of my knowledge, information and belief. I believe that the corporation will be able to.prove these facts at trial. THIS DECLARATION IS MADE BY ME WITH THE KNOWLEDGE THAT IT IS SUBJECT TO THE PENALTIES OF 18 PA. C.S. §4904, RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. RELIANCE FINANC COMPANY BY: TITLE:. &J GLEF06 k ? O nr - ? 4?B .So Pa Arl '(..I ,* swo I e U!5lg3 Sheriffs Office of Cumberland County R Thomas Kline,' of t'uaa5rt Edward L Schorpp Sheriff - Solicitor Ronny R Anderson Jody S Smith Chief Deputy WILE '?r ',V?-ERirF Civil Process Sergeant SHERIFF'S RETURN OF SERVICE 06/03/2009 09:24 PM - Timothy Black, Deputy Sheriff, who being duly sworn according to law, states that on June 3, 2009 at 2124 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Victor Ashby, by making known unto Victor Ashby personally, at 215 Cavalry Road, Carlisle, Cumberland County, Pennsylvania, 17013 its contents and at the same time handing to him personally the said true and correct copy of the same. 06/03/2009 09:24 PM - Timothy Black, Deputy Sheriff, who being duly sworn according to law, states that on June 3, 2009 at 2124 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Melissa Ashby, by making known unto Victor Ashby, husband of defendant, at 215 Cavalry Road, Carlisle, Cumberland County, Pennsylvania, 17013 its contents and at the same time handing to him personally the said true and correct copy of the same. SHERIFF COST: $49.40 SO ANSWERS, June 04, 2009 R THOMAS KLINE, SHERIFF De t Seri 2009-3573 Reliance Funding v Victor Ashby C= .t t co da ??. ?t 3 rn c&) 4 to ? I• SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson ;•~~ ~~L~~~~~~ Sheriff ~~+,,tp of ~~r+r~brr~7 Jody S Smith ~' ~ ~. '~~' ~Q~Q ~(~~ _~ ~~ g~ 33 Chief Deputy '~ 1 y K 1 t _~ i': ~~,~ t~ r~ Edward L Schorpp ;- . t. ~ CV~~:,3~ ~ ', • ~ ', ~,, , ~ C1FF}CE QF i'ME $`+ERIFF ) ~ ~ ~''-~lii~ Solicitor ~ ~~ 4~v~`~I ' `i~il,,k'IR Reliance Funding Co. Case Number vs. Victor Ashby (et al.) 2009-3573 SHERIFF'S RETURN OF SERVICE 12/11/2009 03:23 PM -William Cline, Deputy Sheriff, who being duly sworn according to law, states that on December 11, 2009 at 1515 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the within named defendant, to wit: Victor Ashby and Melissa Ashby, in the hands, possession, or control of the within named garnishee, Orrstown Bank, 427 Village Drive,Carlisle, Cumberland County, Pennsylvania 17013, by handing to Olivia Reeder, Customer Service Representative personally three copies of interrogatories together with three true and attested copies of the writ of execution and made the contents there of known to her. The writ of execution and notice to defendants was mailed on December 14, 2009 to Victor Ashby at 215 Calvary Road, Carlisle, PA 17013 and Melissa Ashby, 215 Calvary Road, Carlisle, PA 17013. 02/08/2010 08:48 PM -Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that on February 8; 2010 at 2042 hours a true copy of the within writ of execution was attempted to be served upon the defendant, to wit: Victor Ashby, 215 Cavalry Road, Carlisle, Cumberland County, Pennsylvania 17013. At that time it was learned that the defendant had filed for bankruptcy. 02/08/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that on February 8, 2010 at 2042 hours a true copy of the within writ of execution was attempted to be served upon the defendant, to wit: Melissa Ashby, 215 Cavalry Road, Carlisle, Cumberland County, Pennsylvania 17013. At that time it was learned that the defendant had filed for bankruptcy. SHERIFF COST: $150.30 March 02, 2010 SO ANSWERS, ~_..__"`.r... RON R ANDERSON, SHERIFF i_ Sharon R. Lantz i 10 ~I d 8Z N~{f 0102 V t ~ `l1 Y1 I _ _. . ~,~ _.. (c} GountySuite Shenff. TeleosofT. Inc. $ ~~C~ ~- 1 , ~~~ ~(. ~~ ~~~ WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 09-3573 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due RELIANCE FUNDING COMPANY, Successor in interest to RELIANCE FINANCE COMPANY, Plaintiff (s) From VICTOR ASHBY and MELISSA ASHBY, 215 Calvary Road, Carlisle, PA 17013 (1) You are directed to levy upon the property of the defendant (s)and to sell (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $8,923.23 L.L. Interest -- $136.38 Atty's Comm Atty Paid $184.40 Plaintiff Paid Date: l /27/10 (Seal) Due Prothy $2.00 Other Costs Uy. REQUESTING PARTY: Name 30HN R. KEATING Address: KEATING LAW FIRM, PC 4232 NORTHERN PIKE, SUITE 202 MONROEVILLE, PA 15146 Attorney for: PLAINTIFF Telephone: 412-856-8484 Deputy Supreme Court ID No. 52779 ~, SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff ~o,~,,titr ct ~"n+r~~ctf~~t4 ~l Yi 1 ;~ i ~ jz~,}~e ~7FFk:.E QF ? ~~ m SkERIFF F11:ED~~-~'r-iCE (~~ ~~ p~p1~-!~N~3TARY Jody S Smith Chief Deputy Edward L Schorpp Solicitor 2010 MAID -4 k~ 9~ 33 ~F~ ~iyS`a L~'r ~yl~. Reliance Funding Co. vs. Victor Ashby (et al.) Case Number 2009-3573 SHERIFF'S RETURN OF SERVICE 12/11/2009 03:23 PM -William Cline, Deputy Sheriff, who being duly sworn according to law, states that on Decembe! 11, 2009 at 1515 hours, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the within named defendant, to wit: Victor Ashby and Melissa Ashby, in the hands, possession, or control of the within named garnishee, Orrstown Bank, 427 Village Drive,Carlisle, Cumberland County, Pennsylvania 17013, by handing to Olivia Reeder, Customer Service Representative personally three copies of interrogatories together with three true and attested copies of the writ of execution and made the contents there of known to her. The writ of execution and notice to defendants was mailed on December 14, 2009 to Victor Ashby at 215 Calvary Road, Carlisle, PA 17013 and Melissa Ashby, 215 Calvary Road, Carlisle, PA 17013. 02/08/2010 08:48 PM -Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that on February 8, 2010 at 2042 hours a true copy of the within writ of execution was attempted to be served upon the defendant, to wit: Victor Ashby, 215 Cavalry Road, Carlisle, Cumberland County, Pennsylvania 17013. At that time it was learned that the defendant had filed for bankruptcy. 02/08/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that on February 8, 2010 at 2042 hours a true copy of the within writ of execution was attempted to be served upon the defendant, to wit: Melissa Ashby, 215 Cavalry Road, Carlisle, Cumberland County, Pennsylvania 17013. At that time it was learned that the defendant had filed for bankruptcy. SHERIFF COST: $150.30 SO ANSWERS, March 02, 2010 ~ RON R ANDERSON, SHERIFF A ,r ~~ Y (~!, Sharon Lan z h ~ •8 b' 0 I X30 b00t ~ ~ C0 >; ~- {c ~ ~ y Sl b U (cj CountySuitFl Shenff. Te!eosofL. Inr.. `!~ ~~~ !~' WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 09-3573 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due RELIANCE FUNDING COMPANY, Successor in interest to RELIANCE FINANCE COMPANY, Plaintiff (s) From VICTOR ASHBY and MELISSA ASHBY, 215 Calvary Road, Carlisle, PA (1) You are directed to levy upon the property of the defendant (s)and to sell (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: ORRSTOWN BANK, 427 Village Drive, Carlisle, PA 17013 Any and all accounts and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $8,923.23 Interest -- $136.38 Atty's Comm Atty Paid $]68.90 Plaintiff Paid Date: 12/3/09 L.L. $.50 Due Prothy $2.00 Other Costs (Seal) REQUESTING PARTY: Name JOHN R. KEATING, ESQUIRE Address: KEATING LAW FIRM, PC 4232 NORTHERN PIKE, SUITE 202 MONROEVILLE, PA 15146 ~,.,ru~~ Attorney for: PLAINTIFF Telephone: 412-856-8484 Supreme Court ID No. 52779