HomeMy WebLinkAbout09-4686Y
ORRSTOWN BANK, IN THE COURT OF COMMON PLEAS OF
Plaintiff, CUMBERLAND COUNTY, PENNSYLVANIA
V. NO. 2009- 090
CIVIL ACTION-LAW
STEPHEN A. BEAR and
KELLY J. BEAR,
husband and wife, REPLEVIN
Defendants
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 an 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.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION
ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Bar Association
32 South Bedford Street
Carlisle, Pennsylvania 17013
(717) 249-3166
ORRSTOWN BANK, IN THE COURT OF COMMON PLEAS OF
Plaintiff, CUMBERLAND COUNTY, PENNSYLVANIA
V. NO. 2009- `y& PG
CIVIL ACTION-LAW
STEPHEN A. BEAR and
KELLY J. BEAR,
husband and wife, REPLEVIN
Defendants
COMPLAINT
NOW, comes Plaintiff, Orrstown Bank, by and through its attorneys, O'BRIEN, BARIC
& SCHERER, and files the within Complaint and, in support thereof, sets forth the following:
1. Plaintiff, Orrstown Bank, is a Pennsylvania corporation with a place of business
located at 77 East King Street, Shippensburg, Cumberland County, Pennsylvania 17257.
2. Defendant, Stephen A. Bear, is an adult individual with a last known residence
address of 10 Robyn Drive, Newville, Cumberland County, Pennsylvania 17241.
3. Defendant, Kelly J. Bear, is an adult individual with a last known residence
address of 10 Robyn Drive, Newville, Cumberland County, Pennsylvania 17241.
4. On or about January 10, 2004, Defendants borrowed the sum of $11,955.00 from
Orrstown Bank ("Loan")
5. In connection with this Loan, Defendants executed and delivered to Orrstown
Bank an Installment Sales Contract. A true and correct copy of the Installment Sales Contract is
attached hereto as Exhibit "A" and is incorporated by reference.
6. As further security for the Loan, Defendants delivered to Orrstown Bank a title for
a 1996 Dutch mobile home. A true and correct copy of the certificate of title for the mobile
home is attached hereto as Exhibit "B" and is incorporated by reference.
7. Defendants have defaulted under the terms of the Installment Sales Contract.
Defendants have failed to make the monthly payments due beginning April, 2009 and every
month since then.
8. The personal property to be replevied is described as a 1996 Dutch mobile home,
Serial No. 5739D.
9. The NADA book value of the mobile home is $13,954.00.
10. The Installment Sales Contract provides for the recovery of attorney fees incurred
by Orrstown Bank to enforce collection of the debt.
WHEREFORE, Plaintiff requests judgment be entered in its favor and against Defendant
together with costs and expenses, attorney fees and that the 1996 Dutch mobile home be delivered
over to Plaintiff.
Respectfully submitted,
O' B EN, BA & C R
David A. Baric, Esquire
I.D. 44853
19 West South Street
Carlisle, Pennsylvania 17013
(717) 249-6873
Attorney for Plaintiff
dab.dir/orrstownbank/bear/complaint.pld
VERIFICATION
I verify that the statements made in the foregoing Complaint are true and correct to the
best of my knowledge, information and belief. This verification is signed by David A. Baric,
Esquire, Attorney for Plaintiff and is based upon the statements provided by Plaintiff, as well as
documents reviewed by the undersigned as attorney for Plaintiff. This verification will be
substituted and ratified by a verification signed by the Plaintiff who is presently unavailable to
sign said verification. I undersigned that false statements herein are made subject to penalties of
18 Pa.C.S. §4904, relating to unsworn falsifica ' o authorities
Dated: 07 14 V7
David A. Baric, Esquire
FORM IiIA 23•SLC Neur41001 SIMPLE INTEREST
• oroiiiefri ueme.
NO TOR'VEHICLE-INSTAL[MENT SALECOWTRACT, Da1td ?V U -f l `
ANNUAL` : - FINANCE . -Amount Financed- Total of Payments. Total:$ale Piiie
"CENTAGE RATE "CHARGE ' The amounte(credit provided The amount you will have paid after you Tlv Mal eoist ahtwurPurchase a
Tip rnst.ol
YgUr cre cot as; ' The dollu imhdnt'the - 're you er on your balmd- - hail mode as scheduled payments:: weds, 11 gyourddw
npayment
. .
i yearty rile:' - bredd Incest You. .
yjs ,5: L?ZT17;:i7J_
$ d?wrsn s8z..p :.
Your hymut Schedule WIN be: -
:f1e,NPaymeM .ameunt;N P, not When hymn Security: You an giving a seeuntY ml in lhe:mol0e.vehrek being::
AryOw ... Purebased. : ..
- Prepayment: U you off early, you wla not hive to pay} penalty
s .
filing Feal:,lg
Late Charge, If apayment is less, you wM be charged 2%:N ft portion N the payment which K late for each aanlh, or Pik at a moaWitimater,#Hn LO days„ Ilfal.i(momins unpaid,.
Sts below and uiy other Cliched documims for any adgdmnN inlama0an alitia noapsyment, default. any required repayment in lug before the scheduled date and prepayment .
. nlutMs ud pen?Rms„. .._-, ..: .. -: . - . 'eirirens esumik
I is lConlnct St Ae?r 3 j}Za/.e^E / 4 . ,
C.C`+vrv.,?'
'n - OTO
the SELLER, 7 --e ae9,...wY IOrT rY, .`
r
EQ ffwyr .4iViOOrr/:r$r:R.l?; ItSf+ ,
? Z 7 YENI
- Name Add s '' -:. ' ,
ZlpCode: BOJNi
1A0(!E
You are $e34tze smorrotlcw .4 16 /243yd/ 1r71Z7YE'
the BUYER(S). reeEaty J^O illEUr?iu:Ea fy.9 %?:•' SV/ - - `.
reactor
N
ame(sI .. 'Addreselar)". .. :,',Zid Codia, rte
11 there is more thin one Buyer, each promises, separately and together, to pay all sumsdue u and to pedome all elders MSadthi. Cam xL ?' ILgO
??
dRAOE+IN:
tai have traded in
Iv
x
I
thefNloNsdg vehicle: -- ? -. .- -Cash
`
_
Year and Make - •Oesbrfplion•. .,.:
,:
... ,.-.
.
II a balance q,sia a.in6Rs lba,eehicle you A. horded n..MaSeeer wi0 may se dot uwwt an Your.bahiN: You warmeanA.reoresenr Io.us.1A>t. _ Trid)
mm amw:um rayom Vilue of Trade-in
o lha Vehicle and against
it irouiad . ' . ..
purchased will be for the term of the credit. - '
Bywgihng, You seleci'Siiishi credit Lilt Wallace, WAN is Your toy sitting, you select Single Credit Accident i What is your ,.
which costs S' age? ^ Tears Neill, Insurance, width cuts I - - gel Yeere
kamlure ofBPYeT19 De lmprFd'lar i11gM CreOil UfelnsEnnce.-- ?;TipwhrrdBiadU peimMedla:SledsgsdBASfidyM;61(ealh,lpnrs!ce,,
By signing, you both select Aunt are
Credit Lire Insurance, which costs It _ Your What ages? ,ay*"j,.ymn both •mall,3rrnlgada, '. ... ...Wketem- hmentaga
Awleal aHWm lasuanee, wMeheads _...purseess has
,: ; asured:.:..
Signatures NbamBuYers te6ebisurM
larhiM CredBLile lnswaisie"
ygnilusdol:Ipm Buyormbe insured la last - -
- - •- CredA Accident 6•NnaA Insularity,' - -^
'VEHICLE: You have agred-to purchue, units rdhetermi'lf this Conlracl Ulatilolten nor moter.oalsicle-and,ilseeba`eRtepmoo4*hifh isdilledt,
the Nehiele"in this Contncl ._„ - .: .. .. ::.:... - ;: t.:•:'. ,, :,::::r?r
Alf and MsNeSgJL LI?d
E44
N° Cv1. -: :. ?OIiBIT3BIts°,mv $ELllY_QeL
""
>vsEl> 077 O, V0 Cy 7DIY? '., 573 y p'
Equipped -_AT:_P.S. _ AMFM':Stereo,. ..Other
with _ A.C. _ P.W. ? _;AM?FM Tend _Vlnef4aa:
If
:.-,TQCredil.lnsunnce_Campeny.. -
g
uen:Farr .
atf nincad rr ., .
i Charg_ e
and if Seller males in assignment.
1/4
SN/ie?a•ENS/3L?OG•. ?/d /7A57 n.i , .. t{ch _v nA a irna(psyment of
. rs teuNY.Agrecp(enl I Raymerdyrll:betlueen ..;
COBWNEt. per q:sigpmgth4Ca0w geratNy
sipile Sy pf avkRiveru}a?sacurityildere{t es,the: a nQ,aArDkse and . c?*'?O.?JSY• ind:then:paYP!eitts
Lq?fhiewiMallCoO;irigT l(> 44yirl;j,ro.perform;aRigraem{Alsmlh}:SEcptslTAErEementand7R.dth partsay7MSi nlrjgCExdept,the _
"Premisk lt. P4y section" - i _ - I- . will br duedh thatame?diy of etch movie
TERMS: The terms shown it the boxes above are pad of this Coral i - - IEbdwid4
PROMISE 10 PAY: You agree to wY its the Toth Site Price la the Yehitlr:gYS.imkng 7ue:CLsh't:SECURITRAGREEMENT: To secure the payment of all sums due and the performance of all
DawnpaysmntirM as?'gmtsgtheiride•In;ifshawmabeYAanNtrelae(hedaBal]IIp Coubaek•in iingW.-JibREHicilLumdeF this COglrag.,..YyOoV.Aiyis ascqurfy.4-temst•in Ahe-Vehicle„in all
paying iisLheAmauM.Fnucad pllsmtermilLYob promise to make payive trin aecadaicamili:the IC4aed ;atxoasslom.? relished te the.YehRleataay lAteS lMa. apdmaria lhecieds of
Payment Schedule. YOU promise te:make paymuhan abefore thesame:diyN.each a" as Is aehjcle,.inckdiht msunme prxeedf;'The ASSigMp'p17y:sdC•ofl iflY amounts due and
first paymenldue Bite. YOU aperte payaA olMramounts which.mayhecane due ands the terms YPr4q or Ills petraet igamsl pay; of ypur money. on deposit with: Assignee. This
of thtsLostract. You agree to payAhe Soler orAssignu costs of suiL.Youalse sane to pay me udefint mormy-odkN'is-tsWar miy In tin fulurc be deposited With Assignee by you.
reasonable anamys' Ices R Seger or Assignment mardo IMsiWitllout interior educe tovou:
Assigns, hires so aNamy he coaed amounts due under This L 01 S" 7$CbNTIEiCT. LCNTINUE$?jN' ?TH?' VERSE
ConmUmto preteelagel-possestiao-ayuro Veldck:Ywigreebmiae paymenh istlle pkce arm SIDE: YOIFAREOBLIGATEDTO#LL THE TERMS OF -THE -CONTRACT WHICM APPEAR ON THE
send paymente to the address which list Assignee must reeersYy spxifies in go wriaen,rpuu to too. PoRONT:AND-REVERSE SIDES.
By signing below, we agree to sell tee Vehicle to you under mill terms of this Contract. KOTICETO'BUYER=DO NOT SIGN THIS CONTRACT IN BLANK. YOU ARE
ENTITLED TO AN EXACT COPY OF THE CONTRACT YOU SIGN. KEEP ITTO
PROTECT YOUR.LEGAL:RIGHTS.
SELLE 1AP C- BUYER '? '??. " .??. - ISFAL) / -/D ^ Oj,T
:. P ._ . Date
// S /7vFt'L
BY, th ' • - I I U BUYER 916 CA (SFACC .r/C!•y.
i7e0airvu .. 04
'CO•StGNER.'i*'OU?SHOULD?READ+THE NOTICE FO •C0.SIGNER WHICH HAS: BEEN GIVEN TO YOU ON A- SEPARATE' DOCUMENT;•BEFORE
StGNINOTBE.CG:SIGNER:!S AGREEMENT. _ - _ _ - -. , .:. .. ..
mede,edy prase demind r a en4 on the ..? e " °`•,a " ..Y prorsws nar.wr. %pit wgyena oeneua. xqu #aree w pqy vow. thqugh;,we. may not hart
,. TP :P Yp! Yer.orex!0ised. oactecont)«intesea Youa(sa acknowledgeseceivmg;cpmpkted ropy o(shu.Comrus.
.. .. .. .(SEAL) _
?o-Slane z S g. tyre - Addroz Date
(SEAL)..
Co Signer s S gna4uk A drwss. - - '---
.
O OWER'S SECURITY
z' GREEMENT Yom she gerlad nalirmf t+ Lew ss Cg-0wner teguher wiTlt the Buyef or oiheirrrim beinR'a11QTthe OwneiY, d(the Vehicle,
n, is ontraa„ oU wt not be respgnii6le for any deficiency YYhiph mrghtbhldpl after reprpsusyon and all fllie Yehtpk. -
(SEAL) ..
Co•Owners Signature Address Date
BY p ERAPfiE`T '-?'V SIGNING60-OWNER, AS APRLtCABEE; ACKNOWLEDGE RECEIPT; OF'A COMPLETED COPT-Of TNIS CONTRACT
51P BUYER }R a, jr (b SIGNER CPSICNER OR Co OWNER
EXHIBIT "A"
ADDITIONAL TERMS AND CONDITIONS
1. AQW Tt1E TOTAL OF PAYMENTS IS COMPUTED: The Total of Payments is the sum of the may advance money to obtain insurance to cover loss or damage to the Vehiele. We have the
Amount Financed 4nd the Finance Charge. The Finance Charge consists solely of interest choice of whether or not to advance any money for these purposes. Such insurance will be
computed daily on the outstanding balance of the Amount Financed. The Finance Charge limited to an amount not greater than you owe an this Contract. THE, INSURANCE•W.E
shown on the front side has been computed on the assumption that we::will rectiive all '-PURCHASE MAY BE,SIGNIFICANTLYFMOU EXP.EN?IVE AND PROVIOE,YQU,1E$5-CN$ERAOE
n„nn[Yic brilind IC' •.•: ,:•.•.•. .
?balance subject to interbsttid each°dayol the ban term. The dailifnterest ritsis equdl tp' the Finande.Cbargei atdh& Anntdal Percentage;Raterof:_this Clintract You agret;to repay the
h
n
i
'
;Annual Percentage Rate,divided; by3he;number p1 days irf that.palerMa[.year:,Quyep;aErees gyw
l
your
¢? grir)eduteI in demagd or (p? dlo
-, ;money advanced. as we alone may specify
;that becauseointereittis•gak elated gq.azdaily basis Jate payments wig iesult,,imaddrhonal
Knterest (and;' <apRlicglil$,'a_TatZ=chafge) Early payments will result in less interest ¢emg monthly,=payments.41 gA coo* to allow you Co 4epii the rhoney advanced algbq IN your
monthly payments, we can cHoose'tKeamougtip.?lthe§! payYpefiti'and'koix;ibh'q'yoL have to,
icltarged. Early and/Dilate payments will'eause the amount of the final payment lo change. repay. it any of our rights stated in this'pai'aafaph are not pirmitted by law,"we stiff 'have the.
:.`.i 3. LATE CHARGE: Buyer agrees to pay ailate charge for any payment not made within 10 other rights mentioned. Our payments on your behalf will not cure your failure to perform
.days alter its due date. The late charge will be 2% per month on the unpaid amount at the your promises in this ConU_f-'
'piyment.Wa will wnsider•rtnypartof a month in excessi of 10 days to 8e a full month; The _
?lale Charge wUl•be-dde.wheW.earned. {'lo late charge will be-due-if (he reason that the 12• DEFAULT, In. this paragraph "YouS. meansaheB:Uyer, Co-'Signer and Co-Owner, or any one
of the?lollowirig things
Qf.the Contract if any qne of
more
'will'be in
"Delaull'
Tau
f jh9Jn
,
,
,
;
.
,.
payment la liite•&ause, after derell; the enbre oufabddift bawdun this Cdntratt 19----happen:
,due. No late charge will be due if the only reason that the payment is late is because of a late a. You do not make any payment an or before it is due or
tharga,issessed,omaneuNerpayment. ";,i. r r...;', :., -••
4. APPLICATION OF PAYMENTS: We:will apply paynenls in the fallowing order ol-priority:
v -••b. Youdonot keep .anyprgnisayo-made-inthis Contpc,,or -
c. You-do-not keep' anypramne you'made m ahbther Contract -Note ! oamiir'-Agreement
;first to Were' , and then to fate ch
arges fees, pnnei 'af.and any other amounts you owe ui with Seller
or Assignee
ore
e order that we clydose::
?'
5. PREPAYMENT: You may prepay, in full or in part, the amount owed on this Contrigtat.any _
,
_
-
it.
Yau made any uelrue stateirienE in the credit application for this Contrac7; or
.. .-e---You-committed anyforgery in-connection-with-this Contract; or-- -
bime without penalty. If you prepay the Contract in part you agree to continue to make
?regularly.;cheduled payments until you pay all amounts due under this Contract This will
f. You die, are convicted of a crime invalving.ireud or dishonesty, or are found' by a :court
l
d
b
t
educe lde number of payments you will make a jopgaci
a
e
or , , -
with,IerixdictiAq M da.sq.ta
bankruptey gr insolvency proceedings or anyone files bankruptcy or
You tih:
g.
q.6. WAIVERS L ,.. .) ). to .: i .. 4.; .:.. .. ..
,a;:*ARk.;BY.SELLER AND' ASSIGNEE We and Assignee waive the right to treat any ,
,
rrise vpncy proceedings against you- or
h You take the Vehicle outside the United States or Canada without our wrdten ebdsent or
:,properly.as:xcurRX fordhe rspaymen6oLthis.Coat[act, eaceptle[ ¢eYehlFk i09_the.Rtb9.[?
aecurilY,SReFifca;Ry, agtgfrcd iplhis,Conlract
ke all
ments on
OWNER
Y
t
m
a
Cb 10
V I V
N
1 CO
1
' _„.
1. "Ybo'dse the'Vehicitl"or atlarV"SBmedde llie'!o'use' itlit'a viay'Uiattauses°ihhohto be
coyered by
youc insurance; or
,
ou agree
o
a
p
y
-
:
I
;
EJ
Z WA1 ERS
B
or'beforeahey ere; dye4w t u? wt.* vmg to ask. (f, you don't, wit. mayentorce our n'ghts, I You do somethiogthat causes the Vehicle to be subject to confiscation by government
:tfavgtbiegid tiiAtNe:"r:aulhontws of
Yokgfire r adY:rigtil
you
may
d:yd6Ina q ce:
wittiodf'hoUJYi
.
.
-
,
,
Wfiloite'our, rights;iEaio3'abdie tiller get{on or prdperti1i6we we enforce our rights against
s lost, stolen tleslroyeil or damaged tieyohd'omrcal repair, and not
N. The Vehjefe. J ecbn
yof.,%ti agree Ih'at we ihliy?ive'dp'dbr'nghts against some other person but-,got agaigsl•you.
You:arajve.due diligpngq Jmr plleclan,and all defenses based on suretyship and"irhpairmedl at'
..•
, fixed or found withiq a reasonable time; or
' '. L=,'Aimther creditor tries to tak€the Vehicle ar-yd'ur,money. owdeposih,with Assignee by
coRatedaloraeepftY y
AFTER MATURITY AND;- UDGNIiNT:Interest at the rate provided in this '
7
INTHREST kgatpproroc,ASS.. ::•.,
73.71UR RIGHTS;IF'Y0U ARE-IN-DEFAULTOF 1°BIS'CONTRACT Il:youetein Default of this
,
..:
Contrect:sbailcon¢nueto accrue-on the unpaid balance until paid in full, even after maturity Conlrac(we may enforce our rights according to law. We may also do the things specifically
arid/br after wk;gNajutlgnrentjeflisEyou. for, Joe amounts;due;;Thigwjl(.apjrly:eyen it the, ;:,mentioned ig.lhis Contract; We;mayda.one of;lhese,things and at the same lime or.later do
maturity occurs because of acceleralipri. 11-atany time interest provided fdr-inthis- -anotherSomeoftherthingswemay do-a'rethe-lohowin&
paragraph is-nal permitted by law, interest shall accrue at the highest rate allowed by a. ACCELERATION: We can demand that you pay to us the entire unpaid balance owing
applicabklaiW.IbginnfnQ at.thal time. --: on the Contract and all unpaid Finance Charges and other money due. You, agree;thatyoup.will
8. YOUR PROMISESIABOU.T.;AUR: SECURITY INTEREST: You will not permit anyone other pay this money to us in one single payment immediately _upon receiving .ourdemand...-
lhan.us to o¢taip :e;ecutdy interest or other righB in Viii Vehiele. Yau wilt pay all Firing fees b. REPO.SSESSfON: We can repossess the Vehicle; antes;, q(ihibile0 by jaw. We can do
'
necessary for uitiefitiiiiind maintain our security interest in the Vehicle. You will assist uS qualified person do it for us, or'tiave a government official (by replevin)
this ourselves, have a
in having our security interest noted'on'the Certificate ohTiUe toithe •Vehicle.,Youwill not sell ' • 'do'itfor dilfou agree that welcah peaceably come.'oh'td your piropetty to. do this'We may
or give away the Vehicle. If someone puts a lien on the'Vehicla: you will!pay the.oblipUon.and . .;tafrt a¢y alhEr'thirig37pund:id the'Vehigle;aut'wili'tWM th'ele,thingito yowif you ask: lf.you
clear the lien. {1
4 And
YOUR PROMISES ABOUT THE VEHICLE: Vou will keep the yehioq in too
9 .want these lhinlrback;;you agrree to ask us trk a lettersegt tq Vs 6pgerldied maifwdfiinr24
cla
se thin
s Xou a
ree that
ive u
n
t
tt
If
tW t
ip
h
d
.
;
g
g
. .
p.a
y
jgp;
a
er, yqu g
ours
,you,do noFsen
:us
a,
e
repair. You will pay all laxesand charges on the Vehicle:-You will pay all costs ofmarnlammg
;we Inaytlse:ydur Negze;plaleSilTfepbs;essrngthri YehiCl? and tatting d to a plice;fpr storage.
i
the Vehicle. You will not abuse theVehide'ar,permd anything to be done to the Vetiiole which .. C VOLUNTARY UELI.VERY We eae' ask yoV to"give us ttf6 Vehicle'aPa reasonably
other than far normal'vkar and'use You •riiB riot%dserlheWehicie far '
-will-reduce-its-value
We ask "
givens the'Vehrcle 1
Yob agt` , 'to
conve
ie-; llyce
,
illegal purposes-OF forhire-or lease.•You. will notmove:the?Vehkrfromyour'addiessshowndn .
p
,
.edformnBrour1riBhtsunder this Contract
:__''d.'DEPAY'1N-ENFORCEMENT.'We'cantleliy
the front of this Contract to a new permanent place of garaging without notifying us in i
without losing any rights.
advance:
• 14 $ONE.THINGS;YOU SHOULD KNOW IF, WE.REPQSSESS THE VEHICLE: If we repossess
10. YOUR°PROMISES'ABOUPiNSURATICE: You Will'keep;the Vehicle insured against fireWithout using government odiciai'(by'r.. .ii): '
theft and collision. until all sums d e .I are paid in full: The insurance coverage must: be., - a. NOTICE:`Wd wiU'send you a Notice of Repossession to your last address we know about.
The insurance a ifibalyd: meu .asi-I is'pes?z and ourpleresTs al the tine of any insured loss
= e insuranc'mi1sC-name us as-"loss:.ayee" an the.policy.,The insurance mustbe.wdtten by This Notice will tell you how to buy back (redeem) the Vehicle. You will NOT have the right to
the•total;balance on the Contract and
you will:hape to•pay
reiditals tlie'Cbntrach This means
an insurance Company qua6Neflodo. bisiness in Pednsylvanii4nU gcidild foseltinsurance
in the state where the Vehicle is peniranenUy. prapi:L The:insurancepolieymust provide us -7 ,
.
"othefamounls:due..You.may_nofgeftheAahiCle:.baekky_pa'yihH_delidqugn?;lnslajimenlg:This
7
telJyou,other Information required b law.
with at least-ten •tlOYdays-prior-wriUeptloticealzanY;eancellation.drreduction in coverage On Nobee wi0 by
ou shall deliver Our jiblicy;oC oiher evidence d(Ansurance-coverage to us In the • - • p=,ttE0?MP110,fJ:;Yau have t#i right to buy back (redeem), he. Vehicle within15 days of
re
uest
!
q
, y
event of the loss or damage to the Vebifd you will immediately notify us in writing and file a. f the Vehicle. It you do not
the mailing of the Notice and 5t any later lime before we se
proof 61'loss-with theinsurgr.;`•`:',; i :•,•
a.-OUR RIGHT dO FILE PROOF.ORLOSS: In-the event of-any loss ordamage-to- the - redeem, you give up all claim to the Vehicle.
- •-c-SA L•Erlf•you don'tredeem,•we will sell the Vehicle.-The money. received at-sale.will be
Vehicle; if-yoq_Jail or refuse to file a claim or proof of joss with the insurance company, you used to pay costs and expenses you owe, and then to pay the amount you owe on the
aordi, niai inn Seftir- Asaima : Snv-&u&equent assignee or any authorized employee of any Contract.
the insurance compaop, in 'ygpF game aial;itting;-,;;;; d SURP4US OR OEFICiENCtp lt:there lsiriAnsy:lift,we ixdl p;yrftto,the:Boygr-ltthe[e.;is
claim. You agree that you do not have the ngfit to not,Cnough.mRtley.from the sale to pay what you owe, Buyer and Co-Signer agree to pay what
an us to file a proof of loss. You agree that we may is still owed to us.
exercise'this porter for ourlenelit4fidl not for your benefit, except as provided in this e. EXPENSES: You agree to pay the costs of repossessing, storing repairing, preparing for
Contract.and.by-law.. _..__ __. - -- ---- -- ------- ------
b. OUR RIGHT TO ENDORSE INSURANCt CBEGK$,;;Ypk;agrpe ...11 he SgpeF, Assignee,. --sale andselling the Vehicle-as-may-be allowed-by law.These-costswill only be-due-i
..; , : •„ .1:•Default excedd5.fifteerr(15) days'abthe'Ume ofrepossession
any subsequent assignee, or an authorized employee of any of them rwe") may endorse your
..., , ,
2. The amount of costs are actual, necessary and reasonable; and
name; acting as your-s;en4;4oanycheck,;draI1 or other instrument we receive in payment of
an insured loss or return' of insurance+ptemums. You agteel6aty0u:do not heve-thiridhtW.- 3.,We can prove top costs were aid.
I 15
AND PERSONAL' REpRESENTATIVE3 BOUND: After' your tlEaifi;`this Contrail shall
HEIRS
id willCot rtvbbe 1Nt power you have given us to make Your endorsement. You agree that
a,
we may-exercise-thispower for.ourbenefit and noftor,yoUr_tionefil.; except as provided in this .
-
he a4forkeable., ..Hainsl your heirs and personal ,representatives at your estate.
16. GOftfAG LAW: This Contract is to be eiterpr`eii d bccordinglu,lbetaw of Pennsylvania.
Contract and by few.
c. USE 4- PROCEEDS: We may apply any insurance proceeds we receive to repair or
i
-
-
-
-
' 11. SEVERABILITY OF PROVISIONS: If for any reason any part of this Contract shall become
void or uhenforceablethatpart thalFnotbe,ipartolthiiContract: --
-•illegal
andyou
are not then
n
feasible
VehicklAI':in,our.gpj0iair,ftJs
economically
replacethe
defaulGdithis htrikt'DlNkttivae we'Wnlliapjdy the, insurance proceeds la reduce the unpaid
any excesa.wiR beJong
ta yea
i ,
ace due ifs q( lertheibalancedue us is pxd;
bah ,
18 ASSIGNMENT BY.:QUYEIt- Buyer shal4npt assiggnn=this Contract
'19 THERE'ARE':NO WARRANTIESB SELLER EIIPRESSED OR IMPIIED;'INCLUDINGTHE
.
s
,
_
JJIGHTS'IF..TOtJ:RgEAJfYOUR PROM SES';ABOUT THE SECURLIX.INTER ESj
OUR
11 VtllrRpNTIESOF MERCHIINTABIC TY AND FITNESS FORA PARTtCUlAR7URPOSE,
-
'
'
.
.
VEHICLE OR INSURANCE: If you fa(1'to`keep, Yourpr .,nice; to pay filing fees, laxet ¢en"s or
INS- colts necessary to keep thi Vehicle in Read Condition and'tipiir, we may'id'varrce any NLESS SE4EER
SEPARATE
WBITTEN WARRkNTY 6*U
' , U1?lt?SS,WE'` GIVEN:YOU A
' ENTERS lNTC`A"SER 11' E'CONl'Aid ' W(TH'TfUYER WITHIN SO`OAYS FRdA 1HE OA1`V6F
money you promised to piy. It you fail 16 keep your promises about required insurance, we THISCONTRACT. "`
Buyer'i Guide Wind6i Sticker 'ff'tlfe Cai Wfiidh it'deidribid on the face of this-Contract has a Buyer's Guide Window Stickerrequired=.by the Federal
Trade "Cliir(missibh Used CarTrade Regulation Rule,. the following notice applies:
Taie:in#urn?attora;.yeus4e.tin'tfii!wipdow•!foitii'fd?t?tlsVehicleis ltf.of'#his;Cofltract IAformattohon-it 6oviftdow bFmloverrrdesail
contrary. provisions,in.the contract of sale. a r y
NOTICE-ANY'IHOLDER, OF•THIS"C.ONS'gMER'CRi .D,IT; OCR RACj J$ SUB ECT Tp ALL; tA.ir4S ?AND:'DEFENSES WHICB:°THE, DEBTOR'COULD
ASSERT. AGAINST.THE,SELLER OF"G'OODS"OR`SER?VIC?S`dB1AfNED'Pl?RSUANT:HUETO OR'INITH THE PROCEEDS"N?EREQF:.,RECOVERY
HEREUNDER BY THE DEBTOR;.SIIALL NOT EXCEED AMOUNTS PAID BY THE, DEBTOR HEREUNDER,
... ...:./: :' ..,.., is a .. .. ...
_ = ?NbTICfi;.SEEfI
nrnE PROVI ON ?4!?; S IYOT RARLQF Th 1'ENN$Y4YAN
??! ?? ..4....,...
"Te mauee ydw`'the bssigdee 'iddn' ified'on'the face df,twContrict of eg'f
to purchase the within Contract, the Seller hereby warcahl"i add. b'oreieots; ar
.fedaraf,3tate and local laws and regulations 1Pe, diggtibpt not lim_jted to;.KtGeh
the Vehicle coveredftiereby is-absolutrfree otalit;lieniieocgmbranGes%ndeed'
signatrires thereon are not forgeries, arose frofi flte sate of th41 Vehidle'thereih i
and, extra,equipmeni;is complete and correct; th cash doWnpayment.add/bO
credil:i!dVarldi d liy ui to Buyer"O robbles;;ot S!fd ai`liayirte$ts;riom tls°tP466 1
statements.tberein.ara.true;.tbere..is pwint.thereerlyfi)l1mlU1ot Fir9encetl plui
Pennsylvania lwA.tp[ Kehicie Sales FRBnce:Ackalld:hava:duly. compiled tvfth.'itr
other federal or state law, rule or regulation applicable to this Contract; a motor
promotly; the.reeistrationofthe'Vehicle-has•not,bdensusoended•and•thLKSalli
lent and. Disability! Insurance-.coverage,44.1a, appjjGable.to,thi
tM original scheduled:maturity dafo df the::indebtediiess:: Subim
trance more fully:.describing the insurance: dnAhe event ot.•prep
e certificate
.fro factsprrh
00.
N 0, K 7
(Name,
resent that the sale has been made in strict conformity with all applicable
Comnte(ci!1_21g.lu Pat C.S A §§21.01 qt seq); ourtitig tQ_the Contract and
qto-theYfgtitsat•the:Buyerasse ibtthtlrerem tlreCadfNc?isgenbind;fhe
i are of 611A 04df ad eapacilytta;eonttiaetc? the description l1f the Vehicle
received,jirjgo:jail thereof cpnsisted of pgt4, poit•dated checks, other
batesmay-conl6@1e all-or a pa&oF-thi l wnpayfient)?,'all wairinties and
ge Rite of the CgntrACt,s6lledb_lt!etaip;.wD .iCLdlly_f!&eR%ed..Srnd.QLthe
;t to the transaction arid. with:E64fedelAtituth;in#4gPdin@APe.L no. ith,any
a lien or encumbrance:iniavaref•Assignee:har.beenvawRf:beapplied for
result in•the.suspension of said regfstratidn:Udderithe'Pennsyivahia Motor
dfyknown to the Seller to:be thi';sanle4dentioal person(s). Whose-signiture(s) is (are)affixr<d
tr9cL It any'sudh waitahties cr rcpresentatiahs sheultl' be' brc1iched'ai any timei Setter shall
repurchase said 'Cohtract'fiks46ee;po'de1Ra1 W'artdVill pay`fR'erefor;tn-cAW,'the amoontoiing thereon,'eomputed as-set f6itH bekii.Aii8'said`remedy shalftie dumulitive and" not
exclusive, and shall not affect any other right or remedy that Assignee might have at law or in equity against Seller, In the event that Buyer fails or refuses to make any payment due
hereunder.on.the assertion. either arai.icw.citten,_that.the.V.ehicle is.defective,•aot.as.sef
of Seller or'rrtanufacturer, Seiler agrees .that, an being advised by Assignee df4jih'
immediately in accordance with the repurchase terms set forth below, and Seller further
and-expenses , incurred in defending against-claims asserted by Buyer and including clair
insurance Wkbehalf of the Buyer, and that insurance is cancelled by the insuraiiid,eihk
led.6...tbe Buyer.by.SelleT, ur that Seller refuseA.to hortpr.any warraoty-gr Setvigg_dgrPement
of Buyer, Seller will repurchase the Contract from Assignpe andrpay Assigpeeifoekame
s to hold Assignee harmliss from any'other claims of Buyer, including attorneys' fees, costs
erand of payments.made, by Buyer to Assignee. if theSeller contracts.lo•purchase proper:'ty
afar to its scheduled expiration date, Seller will attempt to place 61ii6arable coverage with
Assignee may exercise the power given in this Para Bisp for llie'ben e ifbf th eR iB g
A ee add'doffo7the ben efit bf'tA 'otter. SeNir does rtd( ave the ri riti to a dd'arees•dt6 revoke the
power given in this paragraph.
.- In'the:gvent that Seller Is-required bythis Assignment to repurchasethe Contractand/or Vehicle, Seller shall palrto Assignee, in cash,-the-full full unpaid balance of the Contract a$ of the
date of re"AVhase, plus any then earned Finance Charge and any and all costs Weiipenses paid or incurred by Assignee in respect thereto, including reasdhabli'atforney's"fees, in
conngction,wjtfi cla msfiy or.5gafn t artji Buper;;flV?ner or peEldri .posse§ttori Qf tNeYd?icl?:ajid{d'r, 6y-a? " 3ipstSeiler ;;
For value received, Seller hereby sells, assigns and transfers unto the Assignee, its successors and assigns the within Contract all moneys due ar}d tp, heceme due thererirter; olio; all
right, title and interest in and to the Vehicle therein described, with full power in the Assignee in its or our name to take suclijegal or other action wh'ieh'vie might have liken save far this
Assignment Unless Seller marks either of the endorsements below, lilted "WITH FULL RECQURSE".,or "WITH BEPURCHASE" Seller's assignment shill, except for the provisibns of the
••.:. _
aragraph titled' ;ASslenment,":ge,wilhaut recourse, - _ - = _ - _ -
WITH FULL RECQURS-Seger agrees that, in addition. tgthe:paragraph,atioye fitted ssigpment'"in the eyent of de(aaif qy Buyer in the full`payment orr the:due date thereu(ot in y
in ailment payable under the Contract or in the 'p'rompt performance of oily other oblr¢ation to be peifoimed undef the'Catitract qy Buyer, Setter will, an demand, by Assignee, forthwith
iepriicRase the Contract Erom Assignee for a reperchase price;fn cs h, computeed as'sef forth afmve:
? WITH REPURCHASE-Seller agrees that, in addition to the provisions of the paragraph above titled "Assignment," in the event of any default by Buyer which shall entitle Assignee to
repossess the Vehicle, Setter will, if the Vehicle is repouessad by. Assignee and delivered to Seller, and without regard to the then condition of the Vehicle, forthwith repurchase the
Contract and the Vehicle from Assignee fora repurchase price, I. cash, computed as set forth above.
By signing below, we agree to the terms of the Assignment;
Seller?("hA~ -r r; C l.?c+rJ rr By 1 _
oat
BANCONSUMER FORM PA 10•SLC IRev. 4/00)
EXHIBIT "B"
U
OF 11-11E !ARY
2RO9 JG! h P11 8
0 - 4 7f-, 5 -0 Al?
Veit 'L1&:3I
OM A-?, -7 %
ti
ORRSTOWN BANK,
Plaintiff,
V.
CIVIL ACTION-LAW
STEPHEN A. BEAR and
KELLY J. BEAR,
husband and wife,
Defendants
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 2009- yL G T?+
REPLEVIN
MOTION FOR SEIZURE
NOW, comes Plaintiff, Orrstown Bank, by and through its attorneys, O'BRIEN, BARIC
& SCHERER, and files the within Motion for Seizure and, in support thereof, sets forth the
following:
1. Plaintiff has filed an action in replevin in the above captioned matter.
2. Plaintiff's action in replevin is based upon a Installment Sales Contract executed
by Defendants and delivered to Plaintiff.
3. As further security for the loan extended by Plaintiff to Defendants, Defendants
provided Plaintiff with a title for a 1996 Dutch mobile home, Serial No. 5739D.
4. Defendants have defaulted under the terms of the Installment Sales Contract by
failing to make the monthly payments due beginning April, 2009 and every month thereafter.
5. Plaintiff asks for seizure of the mobile home and will post a bond as required by
this Court.
6. No judge has ruled on any issue in this case.
WHEREFORE, Plaintiff requests that this Court issue an Order directing seizure of the
mobile home by the Sheriff of Cumberland County.
Respectfully submitted,
O'B , BARIC S R
David A. Baric, Esquire
I.D. 44853
19 West South Street
Carlisle, Pennsylvania 17013
(717) 249-6873
Attorney for Plaintiff
dab.dir/orrstownbank/bear/2009/seizure. mot
t
VERIFICATION
I verify that the statements made in the foregoing Motion For Seizure are true and correct
to the best of my knowledge, information and belief. This verification is signed by David A.
Baric, Esquire, Attorney for Plaintiff and is based upon the statements provided by Plaintiff, as
well as documents reviewed by the undersigned as attorney for Plaintiff. This verification will. be
substituted and ratified by a verification signed by the Plaintiff who is presently unavailable to
sign said verification. I undersigned that false statements herein are made subjec to penalties of
18 Pa.C.S. §4904, relating to unsworn falsificati authorities
David A. Baric, Esquire
Dated: v ' 4 loq
?s ;j I ? PI 2: 53
W 0
z
210L?
ORRSTOWN BANK, IN THE COURT OF COMMON PLEAS OF
Plaintiff, CUMBERLAND COUNTY, PENNSYLVANIA
V. NO. 2009- qt&
CIVIL ACTION-LAW
STEPHEN A. BEAR and
KELLY J. BEAR,
husband and wife, REPLEVIN
Defendants
ORDER OF COURT
BY THE COURT,
AND NOW, this RLiff of , 2009, upon consideration of the
/
the
attached Motion For Seizure, a hearing is set in this matter for flr
day of , 2009, at 36 awwip-" in Courtroom No. of the
Cumberland County Courthouse, Carlisle, Pennsylvania.
avid A. Baric, Esquire
O'Brien, Baric & Scherer
19 West South Street
Carlisle, Pennsylvania 17013
.o81'ephen A. Bear
Kelly J. Bear
10 Robyn Drive
Newville, Pennsylvania 17241
..C7
?.._
o ZI
c
cri
i
FIL?u--wr_?r;
'? a ,,NARY
OF THE
2009 JUL 23 Ali 3: 59
i'ENNSYLVruI'M
ORRSTOWN BANK,
Plaintiff,
V.
STEPHEN A. BEAR and
KELLY J. BEAR,
husband and wife,
Defendants
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 2009- 4686
CIVIL ACTION-LAW
REPLEVIN
SUGGESTION OF BANKRUPTCY
TO THE PROTHONOTARY:
Let it be known that Defendants, Stephen A. Bear and Kelly J. Bear, have filed a petition
for relief under Title 11 of the United States Code, in the Bankruptcy Court for the Middle
District of Pennsylvania on August 5, 2009, Case No. 09-06041. Pursuant to 11 U.S.C. f 362, all
actions against the Defendants, including the above-captioned matter, are stayed indefinitely.
Respectfully submitted,
O'BRIEN, BARIC & SCHE R
David A. Baric, Esquire
19 West South Street
Carlisle, Pennsylvania 17013
(717) 249-6873
Attorney for Plaintiff
da b. dir/orrstownbank/bea r/2009/suggestionofbankruptcy. pld
C,L;i_;_ ,,.
THE
r ?f.tl?
2CC.9 A U S - -0 11, 111 11 : f ii
i?1