HomeMy WebLinkAbout04-2692
UDREN LAW OFFICES, P.C.
BY: Mark J. Udren, Esquire
ATTY I.D. NO.04302
WOODCREST CORPORATE CENTER
111 WOODCREST ROAD, SUITE 200
CHERRY HILL, NJ 08003-3620
856-669-5400
Bankers Trust Company of
California, NA, as Trustee,
pursuant to the applicable
pooling and servicing agreement
and assignment of all servicing
rights from UCFC FUNDING
CORPORATION, by EMC MORTGAGE
CORPORATION as Attorney in Fact
909 Hidden Ridge Dr., Ste. 200
Irving, TX 75038
Plaintiff
ATTORNEY FOR PLAINTIFF
.
. COURT OF COMMON PLEAS
: CIVIL DIVISION
: Cumberland County
: NO. 04 - :2~ 9J... CIU L. J-~
v.
Michelle R. Eck
and/or Tenant/Occupant
140 Cranes Gap Road
Carlisle, PA 17013-3000
Defendant(s)
COMPLAINT-CIVIL ACTION
REPLEVIN/REPOSSESSION OF MOBILE/MANUFACTURED HOME
NOTICE TO DEFEND
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.
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 Association
2 Liberty Ave.
Carlisle, PA 17013
717-249-3166
800-990-9108
AVISO
Le han demandado a usted en la corte. Si usted quiere defenderse
de estas demandas expuestas en las paginas siguientes, usted tiene veinte
(20) dias de plazo al partir de la fecha de la demanda y la notificacion.
Hace falta ascentar una comparencia escrita 0 en persona 0 con un abogado
y entregar a la corte en forma escrita sus defensas 0 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
suva sin previo aviso 0 notificacion. Ademas, la corte puede decidir a
favor del demandante y requiere que usted cumpla con todas las
provisiones de esta demanda. Usted puede perder dinero 0 sus propiedades
u otros derechos importantes para usted.
LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO 0 SI
NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA 0
LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO
PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL.
Asociacion De Licenciados
Servicio De Referencia E Informacion Legal
Cumberland County Bar Association
:2 Liberty Ave.
Carlisle, PA 17013
717 -249-3166
800-990-9108
NOTICE
The amount of your debt is as stated in the attached document. The name of the creditor
to whom the debt is owed is as named in the attached document. Unless you notify us within
30 days after receipt of this Notice and the attached document that the validity of the stated
debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify
us in writing of a dispute within the 30 day period, we will obtain verification of the debt or
a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not
an admission of liability on your part. Also, upon your written request within the 30 day
period, we will provide you with the name and address of the original creditor if different from
the current creditor.
If you notify us in writing within the 30 day period as stated above, we will cease
collection of your debt, or any dispnted portion of it, until we obtain the information that is
required and mail it to you. Once we have mailed to you the required information, we will
then continue the collection of your debt.
This law firm is deemed to be a debt collector and this Notice and the attached
document is an attempt to collect a debt, and any information obtained will be used for that
purpose.
UDREN LAW OFFICES, P .C.
Mark J. Udren, Esquire
WOODCRESTCORPORATECENTER
111 WOODCREST ROAD, SUITE 200
CHERRY HILL, NEW JERSEY 08003-3620
(856) 669-5400
UDREN LAW OFFICES, P.Co
BY: Mark J. Udren, Esquire
ATTY I.D. NO.04302
WOODCREST CORPORATE CENTER
111 WOODCREST ROAD, SUITE 200
CHERRY HILL, NJ 08003-3620
856-669-5400
ATTORNEY FOR PLAINTIFF
Bankers Trust Company of
California, NA, as Trustee,
pursuant to the applicable
pooling and servicing agreement
and assignment of all servicing
rights from UCFC FUNDING
CORPORATION, by EMC MORTGAGE
CORPORATION as Attorney in Fact
909 Hidden Ridge Dr., Ste. 200
Irving, TX 75038
Plaintiff
o
o COURT OF COMMON PLEAS
: CIVIL DIVISION
: Cumberland County
: NO. 04 - J..l..q~
~iUll'--n-~
v.
Michelle R. Eck
and/or Tenant/Occupant
140 Cranes Gap Road
Carlisle, PA 17013-3000
Defendant(s)
COMPLAINT-CIVIL ACTION
I. The Plaintiff is Bankers Trust Company of California, NA, as
Trustee, pursuant to the applicable pooling and servicing agreement and
assignment of all servicing rights from UCFC FUNDING CORPORATION, by EMC
MORTGAGE CORPORATION as Attorney in Fact, a corporation with a principal
place of business address as set forth in the caption, and is authorized
and qualified to do business in the Commonwealth of Pennsylvania.
2. The Defendant(s) is/are Michelle R. Eck, adult individual{s),
and Tenant/Occupant whose last known addresses are as set forth in the
caption.
3. On or about September 25, 1997, Defendant(s), Michelle R. Eck,
entered into a Mobile/Manufactured Home Installment Sale Contract,
(hereinafter referred to as "the Contract") with Carlisle Mobile Homes,
Inc., for a 1997 Redman Shadow Ridge 7138, 50' x 28', Mobile/Manufactured
Home, Vehicle Identification Number 12230429. A true and correct copy
of said Contract is attached hereto as Exhibit "A".
4. By the terms of the Contract, the Plaintiff, and/or an
Assignor/predecessor in interest, maintains a security interest in the
subject mobile/manufactured home.
5. The Contract was assigned to Plaintiff either by Assignment
contained in the Contract, or by a subsequent Assignment, a true and
correct copy of which, if applicable, is attached hereto as Exhibit "B".
6. Plaintiff's security interest is evidenced by a Commonwealth
of Pennsylvania Certificate of Title, a true and correct copy of which
is attached hereto as Exhibit "C".
7 . The Defendant (s), pursuant to the terms of the Contract,
has/have defaulted under the Contract by failing to make monthly payments
when due as follows:
January 5, 2003 through June 10, 2004
Installments @ $571.67 per month:
Late Charges:
Escrow Advance (taxes/insurance):
TOTAL
8. The subj ect mobile/manufactured home has
value of approximately $21,630.04.
9. Plaintiff believes, and therefore avers, that Defendant (s)
has/have possession of the subject mobile/manufactured home, and that the
Defendant(s) is/are in default of the Contract and therefore, inter alia,
the Plaintiff has the "right" to obtain possession of the subject
mobile/manufactured home.
10. The value of the subject mobile/manufactured home and the
Plaintiff's interest therein will be adversely affected by the continued
possession and use by Defendant(s).
11. Defendant (s) has/have failed and refused, despite repeated
demands by Plaintiff, and despite Defendants' obligations under the
Contract, to pay the balance due under the Contract or deliver possession
of the subject mobile/manufactured home to the Plaintiff.
$10,290.06
$ 90.00
$ 1,197.47
$11,577,53
a current
retail
WHEREFORE, Plaintiff respectfully requests, prays and demands that
the Honorable Court grant judgment of replevin and/or possession in its
favor and against the Defendant(s}, together with reasonable attorney's
fees, interest and costs; Order the Defendant(s} to IMMEDIATELY deliver
possession of the subject mobile/manufactured home to the Plaintiff or
to IMMEDIATELY reveal the exact whereabouts of the mobile/ manufactured
home; if applicable, for Plaintiff to take possession by its own means;
and that Defendant's failure to comply with this Order shall subj ect
Defendant(s} to the risk of appropriate sanctions which may include, but
are not limited to: fine; and any and all other relief which this Court
deems appropriate and just.
Respectfully Submitted:
UDREN LAW OFFICES, P.C.
Exhibit "A"
-~_."-" ~........,~..~_._,._. '-"--' ,_.-.... -- .....
Loan No. 1537_ RETAIl ArrALLMENT CONTRACT - MANUFAc-AED HOME
FEDERlr" TRUTH IN LENDING DISCLOSURE STlrEMENT
PURCHASE AGREEMENT. This Retail Inslailmenl Contrect iContrsct') conllins ihe terms and conditions on which seller Is S6lllng, and Buyer i.
purchasing, the Manufacturecl Home described below. ,_ . ....... .._ _. ' . . ..' ,_. .. ._
MEANING OF SOME WORDS. In Ihls Contract. the words "you" and ''your" mean anyone signing Ihls Contract as a Buyer. The words "we," 'us" ane
"ou(' mean seller or, n Seller assigns (sells) this Contraclto it, UNlTEn COMPANI"" FLilolnlNG INC ...... ..' .. ..' "'_ ,
In this Contract, the words "Manufactured Home" or "Home" mean Ihe manufactured heme and lhe addltlonsl Appliances, Accessories and Furnishing<
sold with II (sea Description of the Manufactured Home' below). If there Is more than one-Si.ii*;each Wiff"be obligated, 'separately aMd iciiieUiilr, to-pay sI
sums due and to keep sll promises made to us In this Contract. this Conlraclls belwlien Sellar and Buyer. An dlsclosur.. have been made by Seller.
SELLER CARLlSL" MOBil" HOM"" INC.
Nam.
114511ARf11SRIIRG PIK" CJ\FlIISI ". PENNSYLVANI4 17013-
Addreu:
YOUR MAILING ADDRESS. You promise to advise us of any change of mailing address while Ihls Contract Is In effect
Manufactured Home, we should send any papers or notices concerning Ihe ManufactuHrhasad under)hls Contract 10'
Buyer r,'UCHI'I'" R. ECK ,_ 14D. \IfoP RD. ~tl2
Name - ,. . Streitor oute
AJter delivery of thE
OARLl3' "
CIty or rown
&':n~~l!~O .
PENNSYLVANIA., lZD13-
SiiIte 21p Cocie
CoBuyer
Nama
Street or Route"-
'~_'___ __'W~~ .....-:-_
CllyorTown
~untY
..:=- ':'1-.r' .- ~...
State
:;:Ip .&;;;--
CoBuyer
Nama
Street or Route
City crrown
County
Slate
~j,Cod';--"
CoBuyer
Name
StreeI'or Route
~
City or Town
LOC4,.T10N OF THE MANUFACTURED HOME.
140JlitAlNS GAP RD. - '!Y\'l-lO:
Street or ttoute .. .
tou~ . State ,- .
After delivery to you, the Manu.!B:du~ed ~ome will b~_at
" "---t>l';;"'oll,..f~dOWriiirofP~'
. '-lip Coda
CARLlSLF CUMB"~LAND PENN"VI V4N'''- 17013-
City County !'Wate 21p Code
DESCRIPTION OF THE MANUFAcnJRED HOME (The Manufactured Home Inciudaslhe additional Appliances, Acc:essones and Furnishings.):
New 1987 REDMAN SHADOW RIDGE 7138 12230429. 5A", . ~~.
New Vear ' Manufacturer's Ne"';'; Moa,,{ Name and Model No. .. Manufacturer's Length Width
Used Sarlel No.
-- Item --
- SarlsI Number ---
'-Item--
- Sarlal Number --
Adclltionsl AJC
Applllll1c" STOVE
Accoaaorlas
IIl1d FUmlshJngsREFRIGERATOR
DIW
.r
PROPERTY ~E INSURANCE REQUIRED: Vou must insure the Manufactured Home &Q8InSl ~hv81Csl dalTl!lQe until sll amoun~' you owe u. are
aid 11 full. I su ce m Sl be In am u Is d ea table to u.. If the Ma u actll1'ed H mol8 to be trpn. rted on the hW y. ou must
~ave ~100.0 1l'ell'u~r.. trip ~nS!Jraoce. ?i me ~an!VPactu~~oma Is to be looatefln an area I al hIS been .~W1I'fIed by the te ersf ~l~';gen~
Manj!;ament Aaencv,,," 8n area havlna sPaclel flood ti....d.. you must ~flOOd Insuronce., Vou muSll1!ifor sny suranee ~e ulred by thlS~ntr
You urclfas8lhlS lnsuran from any Insur co Mv authorf2"e< to transact bUSiness In Pe Ivanla. 0 so a rovlde the r ulre
Insu ~Ith a PO=I u elre1 o~i!rowllll8~ ~lh' YOui'llC,llI'e regulre Insurance em vourc:r o't'~lhe nSI ranell must ~~Ude 1 8er.dUctlble pro~~I~ns
and en~raemenls table to s; prevt.ons at co ~ wm~~1 concelled or dl nl d wlthout alleast~ (10) d. 'I> or written nO'ucelo
us; and mu not me de sol r of e Insurer's for f ure ive such not C8. ou will ro ide us the orlc Inal nsurance 011 . or
other p ceo~-:=i.to us~'!!l~ho~nsurance ooveraae.~ha with eJl!orN:ments {eQulred by us,!n&u1lfng an en orseme namlna us lS~h~"X8rtv
to whom all lOsses be ~ .rd'd-1 U AlQuest. we \lIIm n insurance 10r you. The Insurance l:OVurage we can get 10r you glves yc:ru more types df
insuran an ra u re this contract.
Is In ranee Ih I . n e ecttor month starlin and will cost $ 384. . QU a4thorlze s 10 furnish s eclllc
Worm~on about~manu acturedr1h-to any fnsuran&. ~~J:ft,anlto quole pl1ll11lUnlS aIlS 10 BO~ your .nsurance ~siness. p
II et any tlmawu loil to SI01 or keep In force any In,uranca riu,recl bY. this Contrsct, we "i1bUI are nOI recruired tol Oalll1llurance fer you, al your
expense; n. pal YOU tllis Ins.uran~ II will be dUallntareslln r411ce. You lIUlhorlze J.IS to Ilsa to Ihlrd partfes any IhflIrrnauon necessary 10 mohilor
the status of nsuranee on your ManUfactured Home and to gel I e Insurance descrIbed In this ntract. . . .
VO~__@9ree that we may Garn a fee or commlssJon In connection with placement of any insurance sold In connectlQn wl.th this COntract to the eKtent
~d__ '
" a1'Y Il1lluraniiwe Pet for you 18 CanCell~tw Ihe Insurance C9mmn , and ~Iacema~covaraaa results In additional costs~' you lor the unmJx Ired
penod 01 the 0 Inslmsuranee poWcv, we I rtllmburae~U for the , If we nave pu ~ ally "",ulrecllnsurrnce on your ellall, st~ur e nsea
lind, n ,you P Y Ihe sums due on thiS ntract, un I Yflu sp cslly reQUeSI cancel aUon, Ilia inSUl'llnca wll reinaln In act unUI e sc ule
~"audbn elaled, l!.I:.e cancel II your recruest any reQU red Insurance we hllVO purchasecl onvour behsll,.we will cradll any, premtum I'll nda to any
ihO~~re~W.1 ~fund~nts due On this COntract If tt'lerG are no rnatu~~ un.~a1t.1ln~l~nts tMen due on mis Con~ac:~. w_~ _ ~I~ ~ause. ~ be. P~I~_~MY~~
UCFI Form MHPA11 (Pennsylvania-Dealer)
Paget 015
DDS DRAFT s Of;14197
J.oJlll No. 153700~!t .
I U ORI:r1 0 NOT REQIJIRE YOU T G REDrr UF a <lIor CREDrr I UTY INS RANCE ITH T IS
~~ ~~dJOr~.!d~'!;I~IM' n.~ra_ are nol ie ulre~ to ~~n Cre<lft';'S JlI nolr.~rovlcP.'~~. you ~gn~. a~!~aJ;jn,
~~ov Ih8'i.ddl1~jo~.ralO cost a~J your 8PD~1 n lOr IMureneels roVed. rr ~u8S1ed anil' al>mrse, rldlt rn.,ulnsuranca wm Issu lor lhE
itIa1. 'lfr of Ben olalld beloW. and In lh er 01 montli., IIlaI8d bele!' nn on effecli d te 01 I I Tho
I I lr""",ase ..lI:e m 01 ur ntracl~e ~r:iP.t ~nsurance IT10V not cover 1 e en re ~ance ~ue on th'rs ~ntract ~m:.~me 01
dea. requestecl and aI>~ve'f C~ DIsability Insurance wiD be Issued for \he moDthl~ Amoum 01 Benefit, .tated belOW. and will be in effect lor
I~. number 01 months, stall below, beainnlQ,g on Ihe effective dete of the policy. ThIs Creoft Disability Insurance may not cover the enllre period 01
disabiUly If the penod oHllsa \y e.ceedd"lhe dim 01 the co~er"E!e. ...._." .. _ ,
Number of
Month_ You
Are Covered
Type
Amount of
Benefll
Total
Premium
Your Slgnn"re
Single Credft ute
Insurance
(one Buyer)
I want credIt Ute Insurance ...
$ 0.00
per month
o
months
$ D.OO
Slgneture - Buyer #1
I want Jolnl credllllle In.urance
Date
Jolnl Credft Ufe
Insurance _
(two Buyers)
$ 0.00
o
$ D.OO
Signature - Buyer #1
I also want jolnl cred~ IlIelnsurance
Oats
per month
months
Signature - Buyer #2
I want credit disability insurance
Date
Credit Disablllty
Insurance _ $ 0.00
(one Buyer) per month
o
month.
$ 0.00
Signature. Buyer #1
Date
ANNUAL
PERCENTAGE
RATE '
The cost 01 your credft
.. a yearly rate.
fD.250 %
FINANCE
CHARGE
The dollar amount the
credil will cost you.
Amount Financed
The amount of credit
provided to you or on
your behalf.
Total of Payments
The amount you will have paid
after you have mads all
scheduled peyments.
$ 58,488.23
$ 41,88t.50
$ 98,160.73
Total Sale Price
The lotal cost 01 your purchase
on credit, including your
downpayment of
$ 4.830.00
$ 102,780.73
Security: You are gMng a security Inlerest In the Mlnufactured Home
end related household goods. . .
Late Charge: EaCh-timeiroUlaii to-make a paymemIii hiii Wtthli,fifteen
No. of Payments Amount of Payments When Payment. Are Due (15) days otter n I. due. you will pay a late charge 01 two percent (2%)
239 $408.~ M lhly "-I nI NO'-M B~ER. 6, ,- of the unpaid 1I1!'0unl 01 the payment, or five dollars ($5.00),
.. on , -v n ng 'we Dr., whichover amount IS less.
t $406.90 OCTOBER S,2Ot7
Prepayment: If you pay olf eerty, you may be endUed to a refund 01
part 01 the Flnance.Charge.. ,
Aeewnpaon: Someone buying your Manufactured Home may, subject
10 condltions, be allowed to lIlSume Ihe remalnder cf Ihl. COntract on
, the orlginalJll!ms.
Other Informaaon: Refer to the rest of this Contract lor eny Iddltional Information abOut security Intere.ts, nonpeyment defaull, eny required
repayment In full belore the scheduled dale, and prepayment refund. and penalties.. , . , '
IF YOU DO NOT MEET YOUR CONTRACT OBLIGAll0NS, YOU YOUR RIGHT TO PREPAY: YOUR1UGH't TO REFUNll~ AN!:! CREDITS
MAY LOSE YOUR HOUSE, mE PROPERTY THAT YOU BOUGHT YOUR RIGHT TO REINSTATE.
WITHTHISLOAN,OTHERHOUSEHOLDGOOOSANDFURNITURE, YOU MAY PREPAY ANY AMOUNTS DUE
YOUR MOTOR VEHICLE, YOUR MANUFACTURED HOME, OR
MONEY. . . UNDER . TH.lS..CQNTRACL_AT A~Y TIME,
PROMISE TO PAY: You promlS!> llU)~y' us the Total SaJio Pilce 'fOr Ihe '. '----WiTHOUT PENAL TV.
Ma'1ll1acturl'~ Home by 1.Ill,aKi,nfl tne Doihr.rilY.!!.'ll~ and Irn..eaYI!)l1, u. Unless we ~~ dltferenUv. In writing extra or early l'aymen~1I not
~I~ ~~Jld F\'~J,lsCh~:nsllg~~~Ju W1'11~V thl'1for' oi'l?~P~r\I: li,h"aljll: ~ ~w:J8~,t'1,.,tfndnu~.'8 ~~llia~nls t'.r:n~~ ~ni'er
avlng to us rnPnth payments In tne numDer an amO'oins 01 mi, r~rrh.l;; lewer P.yments~you '~\ prepoE IWlc!'ontracl'lii fuI or ~
p el1lllBhown in Your ayment Schedule. Your first paymem will be d u deI~ltandlall1l) cure!' Ul'def.IUn anti 'Wo"a8mand pavmeni ot I\'~
due on the qale shown In our Payment Schedule, iuJd sub_ue~ e tire b ance du~on thl. ontra~t. ~~'II ive~u ~ cred~ for Bnv
pavmenl8 WIll be dqe on Ihe..me day of 8Verv mon 8fter that, Eae unearn. Finance har~~ culate bY Ihe arl mel od, However.
tndnlhlV peymen!W111 be applied.. of its schellulecl ueaate. yOU W no portion of ~ 'ep Finance hla1'~ I re ale. Ycu then will
mal<e IiII paymemsto: . be !i))ari,ed a enee ge on I e unt due, rom the date cllhe
UNlTEn COMPANIES INC .. cre~~;J;. the ~act aTe ~r . 'Y. e hl~st rate allowed b~ Ihe
P.O. BOX 21s.~MPI1IS.~. 38101-D2l, w.~~~ ~ew. ~ I h,~ rate t.l'~d.or ~Jilil or=r ~~ i'f~V n:
o':.~ olhet a ea. to c we ater illI1 ypu (In wrJtiDY1Jo seng vaur mode. ,f,~ela~on I\\\'e ~!l'ntract and~""o.f. t~e, c.8i~terall
~011iiiim"R Thef In e ehown aall!':!h CalCU~ !.I1/'"r" On a you mav lUre or r 88m 'Ille COUateral, anff e hol or 01 thl. ontr~p~
b ~"dt~~n? r.~mi.a e~rn"ilrL~u~e'l!'6ntr~~ite~:M~~ ~':l'd~~~th~U ~If.~ ~80~E~~s'lJ . ~U ro&~To~8eaE'j!
8hll. o}~n JI' lWact~Js~lred ~In "l;PIlC~:.." i':;~~"r:~r:e,!;HY'~ BACK youli HOME.
apellllCl llral to unp d so ,. uled ,nlhly Plyme",,, rJ8><l to unpaid
ed ancss..-.maJl;e on your all, an I..tlo any unpilld colleclion co.ts YOUR TRADE-IN. YO~~mIse thW\anv propertY tradad-In I. free from
and late Charges. MY liens security lot I encu :>ranees 0\ dither cleJms. You also
LATE CHARGE. Each d~ime u f!lk,to~ake a payment In ~~n 15 prOni.e \hat \IOU are, al time 0 the trade- n, ths legal owner 01 any
dasalafter Ills du.e~YOu will !y a Ie c ~' two percent 2% otthe property traClBd-ln.
un d amo~nt Of ,~pa nt. or ve a .001, which. r unt
IS ....hoor on, e alll hllTce mav be co 011 any Installmenl no
matter w ng t remains In l1efaun.
UCFI Fonn MHPAl1 (Pennsylvania-Dealer) Pege 2 of 5 DOs .DRAFTS 01114/97
"8" means estimate
Your Payment Scheelule will be:
e, ToW 01 Insurance PremIum Costs
(sum 01 omounts on lines 4a ttvough 4d)
5. AMOUNTS PAID TO OTHERS ON YOUR BEHALF:
We may be ratalnlng a portion 01 the oharges set torth below.
a. To Publlo Offlciala '
(rille & FlIlng Fees) $ X;.so
b. Other: . .. $ 0;00
o. Total 01 Amounts Paid to Others on Your Behalf
(sum 01 srnounlB on OnllS 58 and 5b)
8. PRINCIPAL AMOUNT FINANCED
(sum ot amounts on lines 3, 4e and 5C)
7. FINANCE CHARGE
8. TIME BALANCE .
(sum 01 smounlS on linaa 8 and 7)
9. PREP' AID" FIl'lANCE cHlil'lGE
10. AMOUNT FINANCED
(amount on line 8 minus amount on line 9)
11, PAYMENT SCHEDULE
( payments at $
cue monthly beginning
(1 payment 01 $ cue on
me and Filing Fe.... (II not financed)
SEllER'S AGREEMENT. Seller agrees to thla COntract, and, aubjeet"io
acceptance by
UNITEn COMPANIES FUNDIi'll' INe
acceptaneo at lIS designated office, asslgna II to
UNITED COMPANIES FUNDIi'll' INC.
In lIC>OOrdance with the esslgnment set forth herein. Notice 01 acceptence Is -"C(fsigner.' X
hereby walved. . Di!iCi:AIMEA OF WARRANTIES--
SeIler . CARLISLE MOBILE HOM~S. INe. NO WARRANTIES, EXPRESS OR IMPUED, OR FOR
.A} 11 a lI'lrmp....) ~AB~IJh~'m~~"CYM1~T!ffl!W'E 'db~~ff
By ~,.,....". "-,, -IY "P,-J.A.J' YOU ACKN5WLEDGE HAVING EXAMINED THE COUATERAI,., AND
n..../ IF IT IS USED ACCEPT THE COUATERAL .AS IS." THIS
W~~~t~,.,A<,~,.,.....,a:.'~- ..' ,date' 9;.0..v9?- '_ W.9fi:~fi~A~~W~FwWrc~~A~"lll:RWWIbE%D~~tI!t~
. . (' , , MANUFACTURER OR WHICH ARE REQUIRED UNDER STATE LAW.
UCFI Form MHPA11 (Pennay la-Dealer) page 3 of Ii 008 DRAFT 8 01/14197
I..oan No. 1537011002329
.
, ITEMIZATION OF AMOUNT FINANCED:
1. CASH PRICE
.. oash sala prtee
b. _ tax
c. Total Cash Prioa
$ 45.900.00
$ 0.00
2. DOWNPAYMEN,-
.. cash down payment
b. Vour Tracla-In'
i. trade..ln allowance
II. balance due on trade-in
m. net 1r.dQ-ln allowance
(amount on line 2bi minus omount on line 2bii)
$
$
0.00
0.00
Vear
Make
Modal x ~ - - Sedor. .
0. TotAl Down Payment
(amount on line 2a plus omounl on line 2bJii)
3. UNPAID BALANCE OF CASH PRICE
(omount on line le minus omount on line 2<:)
4. INSURANCE PREMIUM COSTS
a. Manufactured Home Insurance
L!L month term) $ 384,lI0
b. Gap Insurance
L.!!- month term)
o. Credit Uta Insurance
L!L montn term)
$
0.00
$
0.00
d. CredIt DIsabDl!y Insurance
L!L montll term)
$
0.00
~aoh,
-.
h_ ..- ARBITRATION. EXcept as ~18Jl1ed belOw, you and we unde""""iitand
and agree tnat all disputes, olalms or contravorsleS !rem or relaU!lII to this
.~ntrict (whether under case law, statutory law. or any other Jaws
-lliCIUar;;g;1>lIfnllrliffillijalO-all con1raat tort and ~ror.ar1Y disputes) shall
, ba resolVed by binding MbltiaUon I"Arbhl'aIIonj. Tl1 s COntract Is made
pursuant to . tranaactron In Interstate commerce and shall be governed
~ the Federal Arbitration Ac:t at 9 U.s.c... Sactlon 1. Arbitrallon shall be
conducted b~ one arbitrator aelected by us with your consent. You and
-'IlflMree that the arbitrator shall have an powers provided ~ law, and
, this Contract These powera shall includo all lagal and eqUItable
remecflGs Including,bUt not limited to, money damages, declaratory relial
and InJunctive refiBf. Judament uPQn the arbitrator's decision may be
8ntereiJ In anv court heWing IurlSdlction. You and we ~ree and
understand that you and we choose A1bltratlon Instead 01 IilIgetion to
.. Ill80lve disputes, IIlIOOpt .. aocplalned balow. You and we unijerstand
that you arid we each have a nght to litigate disputes In court, but that
;and we each prefer to raaolve di,p.utas through Arbltratlo~l _l!t as
.. ained balow. YOU AND WE VOLUNTARILY AND KNOWINGLY
IVE ANY RIGHT YOU OR WE HAVE TO A JURY TRIAL EITHER IN
ARBITI'IATlON OR IN A COURT ACTION BY US. EXCEFTlON TO
"'1'l~ITRA~ON' Evvn thouah YOU and we ag,ree to Arbitration, we eU11
~"'--may lAe aak:iiil {fllln~. lawsultl or nonIuCiclal relief to enforce our
security I rest. or to 0 arwIse co Iec:t the &aJance due on this Contract.
.".._ .....JNa may begin a lawsu to en/orca OUr sacuntv Interest, or to oblaln a
moneta.IY juagment, without waiving your !i9h( or our nght 10 com rei
Arbitrallon of any other dispute or remedY, including the fili~ 0 a
counll>rolalm!>y you In alewault brought by us. Vou mayallll uae udiclal
or nonludlclal relief to seek redress Tor any Illegal act committe In the
collac:tlOn 01 payments under this COntraot or In the rapo.....lon 01 the
Manufactured Home.
$" 4Uoo.oo
$
4,830.00
$
0.00
$
4,830.00
$ 41,270.00
$
384.00
$
$ 41.861-50
$ 58.489.23
27 .sO
$ '8.150.73
$( 0.00
$ '8.150-73
$
\
0.00
.N8T1CE TO THE..B.UYEB:_DO..N.OT SIGN THIS
C' NTAACT'lF"BLAlUcuYOLl ARE ENTITLED
TO AN EXACT COPY OF THE CONTRACT
-YOU SIGN. KEEP IT TO PROTECT YOUR
~GAL RIGHTS.
BUY~ 'r..ll Ul ~R ~"':ata
9/.:.7.~/9';Z
Buyer r;late
... -----.
Buyer date
Buyer d~te
BUYER ACKNOWLEDGES RECEIPT OF A
COMPLETED COPY OF THIS CONTRACT AT
THE TIME OF SIGNING.
-ICI Irvn . ""fi;;l )II"
'suy'ln--! ,\u(\Wlo~O\Ldate 7'/4'1/97
SUyer
. Buyer
Buyer
datI'
date
d~ta.
GU~ OF BUYER'S PROMISES., Th~.und.r'!fgn9.ll. 19i1!llY_l!.nd
severally, agrae{a) to pey omounts due on this Retail Installment Contract
.. olIDday'e date and until all amounts due on this Contract are paid In
lull The undersigned alac agree(s) to all the terms and condnlona of this
'1.e.ftljll~nt~
On 9A,-s- /9;,z I. (~\!)
received a comp1eteOC...fllled
INSTALLMENT ~ONTRAC"':
r!llld, . ~Ign~,_ .nd
tn copy. of this RETAI.!,
cOsigner: X
.
Loan No. 1U/~
DW~SM11~,iSll Zp tr-s'~e ~~nleO: laI~J'.II!l'~dUe ?,r
ml'f.\an u ll'fiome..ril:lTn~r&t""'81 ..\Ie unaei'i11l1 :lJr.
'tlil~ ~!Io'w. a~~ 0 llie Ma!'.!\!.ectur d~&'Wd
rg; erf);~dfl"ilCiI~~iht~~Khe,fj1=i'~O'W.gItJr..'IF.wl:
Co alSI' rorn I II)P_ ~"'<\ll\'e co I ofif}f ,noiml'es Tn r nee
I a~d undSo nr.frlnoe ~me, an :'if ~""8.rl ~
~.3~mO\l\~!anJubt'~!k>~1 ~~~or
Fn"h~.iI.8JI -aJ'!bwIQriR:~8~ n.\'J'Jl,u~h:g.,?II?n~=~~e
proh'iS1fed' "y appuca :taw.
co~r u~\:e lP..oe ~ Coll:o~~n lI.'!3dJ"'i.il,~gh' andureftr.w!the
1m a V. '\>'oU \ill "ro:il'Jl: UI !It: t rool. whim ~ eallor t
/Ou ve h~ ') ~ l'JWlnrg,i i\ii ~e. "'J.e~d n~
~~~~C~r~?~\~ r,~\lf"fi~:s;~,~i
al~~~m:: ~r u,&O ,,~=or~~'~0~re,,':.\r.2r-1 ~
-all to mB'K8 omer _ ri,~~ reaolr tnlS ntra Dr ~l~l e
aw, we may~ore I ~ulrede e IV SlJO re~l5'rs or~:Rmen
we Choose. rnd ~t.aon 0 ~nze' ~ "uiifnd an UI
Ii to ro or 0 our es Wlu adl e
~ ~J' owe on I ~n1l'aot. on C . tva~ur Ileum
~. ~IU to a FlI1llnoe o~ '!/munte II Ul
eM2'J'ul,1;,~i"~.JD'~' ~ w,a~~~~lfoJgnXPJJ~&"~
~e. or f4} ~mesil ~JnfSil.WMI'1"~nraue on'~.eonr.me
Our 'rn't~ \"ml:sbJg~1 omaIn 1~..JM.ect umIIn~,I!. hay, J'a1~e
~~~"l>\!~X?.s~'~.l'l O\Il~!~?b~VJu~'Tt'*,VQur ~
&ntrao rourll<l<:ll OSus~rk1~lIO.retlO_,"II"&'~ater
ana It lS8e our t p08SGS8 sedt10n of \nls con1r8CIJ.
You aJs~ra~ us a """"i Interest In ony Inlurance ~racee.dll.
InolUdl!U lie "rsmlums. r tino 10 aaroonl o~nra lurea In
c:onne n In ~ comrac:!. /e~a, n we wan u nl~nee
store uce U iiIl alan this co . au rlze
q~to 'l,~,,'::'ilY:m~ O~P.P'I to~i,""rr'~ nome 0 m:r.
ll'1i!u' ilf,la'uYl we ri\'~'ll" we wI~ryoaneer"oII mouranee a~ gr.y,lll" onv
ml.'I!1.'i.'lr?r uhlornlcrfrlouronol premiums toihe Unpaid DaJlnce aile on
act. .. _.__
I ~'ou will ooolst us in h.~' our lIllClIr~leresl noted on ~m:' i
OT ue to the M'onUf otur ome. YOU caus.. any uo 018
be euy: taus thin a TO me terofmeOJl, 0 t 8
or . m~tne ~'ikte I ..:.y,ol~. nyl ou~~us "e"",!on anCn",l>O
UI your "fa'JlrULa rnll\l-ln-laoI n In~Jr n~>lade' an
stead an c te of TII Of an ther en. w n r
~X. 10 r r. r an or trIm er oW mo. oe~.~oalr"fJ
eo at to fe our secu In19 In e ollater:. YO'u'
~u olze UIg at~U[ e"".nse~lOi~ n~n~i!,\"~out \/Our s~aMe~ou~
nanclng I d ~ nti~ua"on L ..""~ntlI'... InCl Ie nfa
eta an 0 ocume w a fromu' m
~~l>ff. to p~eo preserve. an3 proY:l'ur secuM In'le, In e
III any other dOCUn~fa ~ neoessarv lO'i!?Oteol our Interest Inale
amrSl 0 roo to n ese documen never asJt ~ You
~!.~l}l.r,oc~",n 'fo "ll ~~oou'Tnn~an'if .lf~lh 'fau &r~nl UI
an~"'tn(!l,fa] I ~o~e ~onP rai o~ orlnte!' I'a'~" ~id
attO - - actt ~~lf~ dO ersonf~ ffi'e!ent. ~o so 8'Onle"ro
g~!tl"",t'l,rJst. "'~~~Illtr~&'a,~~ .~'lJl:n .
We !Ol Ihat \/Our ""rmloofon lor UI ~ oowm:ur attornev-In-loot lor
u descnDBd acove Ionall no us . -to at:t all ur
IDror~lI\I...~'!.T'ect,.~ as .vour llCle~!.. fn coD ~Ilo e omounls reCluP'.l'to
1:)8 Pald"l you Ull{,Isr tn.s comrllCl or in cepo nOT the COuaterat'...
EVENTS OF DEFAULT. You wI~b8 In ~~8U~ I!.ndOi thl. Comrlot ~~
e~llt rn~rt(~aW:o~~ meh~0'5~I~~gif$-~gIJr~I~:i8
ov IS ~n~:kW~r l"ypu c,~ ~~~anulootur~~ Fn.lloH8
CO_ ItIOn or fa air 'tt an '01 later Is lost c r WIlhc?u1
a~iate Insu~008bOOV~~005~U "tci maYn ~~R9"11,rial
oov l!ll re~ Ired JPr 'h'Off ntr8Ot. r IE ~ou die or me
n n ur a' '0 eu r 11'8 a Q
~p~,.. ,ral~r6'~ i~~'rJ}I~~r &n'f.!!!l'@rRmlilor ~Wg~~'JX
~ a t ore]1Or ~u ,'ii~len or 0 en<:lJmI>ra~ !~or JIUSll~ to
orr es a c 11m on a~o llil cOI~~edr L 0 ou move llie
anu a urn me from :ne a r Sl:leCJ e n caoon of the
anar. no COnacWlou em our
~~~ro~Xn "~~~lri)!r\'!~u:.p~brWh~n ~~l:J aiifir.~l"'ll:
lVI.n~7eoture~Wo or ~ I~e lor II where d'le"l'lnural l'Cct'Aome
II ,.\\'~~. r J/2 Xliiu use the a~ul urp,!l ~ 'IO~ bUS n~ ~ l(l!u
t~on urelll!,o eJ ~i ~~q>g~:8.frn o~mllV ~dewroi.: obr '(\4) Iii:
tvlan rea lfame 8 uselo.i m any "legal rtlannet. . . .'
";(QIIM~.l~~~fBI~IftY~!\XQ!HI.'M~ ~RE YO~
aofaj in' ~~'bO oe v ('6810ii1I', n 0 l.l~n'lf:
we ~,14\~1l, \/01' wrl e~ ~ 0 B!!\Sau~ reQulfea'!!!!' ew on~en ""u w I
W'~..muiJxu6 to ~e :ew.~u . 'Aowe~fr. t ~u\ .ndon e f10me, or
oe'ao!l'we ~~..J. ~ve'Ql~env'&'il'\\\fe'l.' M'i!lo~orB'e'l"au ~~nlloye"g\
have 'to give you NO ca Cl Det.al.!lt .
UCFJ Fonn MHPAll (Plnnoylvanll-Dea'..,
-e
"Wrf "1Rgft)',l>'{J ~r'lJ!.O~i]Dell~J'8d~.fI.<>..9"fr "W." ~liaI.el",?" d" 'g~
i~!!fIr.~a~ 0 e'l1ia 'I'/e ~uiif:lOI1'Ce~ tlill~~ 'tfle~~1IE
. rlahT'io Clue~ an 0 nCl I~. InUre I> ance ue 0
Is 0 0 t en rmme b IN OU watve rese n
1~"Jl'M:o~~ plyment, pro " no~~' Cl1~o~r. ~8~ogoe}
OUR RIGHT TO REPO''''..''..... YOUR RIGHT TO GEl" BACK YOUR
HOl WI may r~the ~ollaler!! ~l.I.1) .vau ore In dlllU~i and '~l
f!gu ~~... "Rlia!i; Pi m. Yf'~'r Melli?" ~~nrcFa"nd'e n~':l a?,ollf4
an~ f~~ii~.~~'\~ otx'&~,,~~~'!,~1J!aI~
gftl'er ~elt.f. wR,~uWe a eol~~ I n O~O ""ent, ml
!_ !!'..'iJou ClIVlnO V<lUI.rw~~~IO.",l'n~. "loIUIUI oilZ. urt:" u'iJ.
ur Iloens8PtatesiOr tM Co lat$r~ move tl," ero I4tQra to- tne p ace ~
r-. .
on " t:.t.rrrFor.:ll'~~a ~StY,e~II~af.'~I~OI ~!:!I'..ll.~ty'o' ,liir:'~
ouXl1'r~ 10 lIDU UQ~l:"~ reauosl. W."Ill.v R[,\'Ct'~" ~,
XO~ha /O~nv:K'::~Hn'i!IIi' ~nl~~. ~lweJa~ Wotlli8nlhromag~
!'m P,,~~o~n 01 II~rooe~,.M~ve vourWermr.~oWid
se I a re n Ib 8 m "nGr. TOU 8' a reasona lIE
=~I m m;~~~~~o properly W~ e!'J ma Inour 10 ~
"wel..l.. We wll' send vou written notioe ot.tin~"",,,fiosllv thE
ove~~ aulL anll~w amount,llemlzeditha. you ~ "eel ~'hV Ie
cure e Brautt or r Item. to_Rer we rB~ ssess; an fU not fiH"CI~
~y l oure or re eem')'~'F'lIfflma va we s se tI18 Co Ila~lera
a sate 0 a DUbie n. s n UeE WI en a .51
e 1 ~aiiVs b~rQP",1lV Ilr."d e no~. sR~1i'U se~tO'Y~1 a!S' "'S!
10 _ In Mllnno Ildl reo. I. Ion 0/' t'fil'l COnll'ect or.tO Inl
o er a ress wnfc you later g va us In WI" ng.
I~r:btnau":,g,.~~rail martll:' ~ac:~J'lIl fv'l.illl~f~~ a~k1Jrfl'Wau~ rJ
XllU. em; u"b~\J'~~lII~!"fetoore dJWr11 p~, ~\h~eY. uI~~r oo~ ~i
gge.,er e ~ 0~1Ij~"am0~ ~ ~ ~hl~'&A w'f,'fo~ f!~
~~~~~nraw~ensfs o'/' let~k~ng, ~e#~~noto~ 1~
WI wiD. IP~V. lhe Rro~l. 01 anY rep~.I8'on oaJe~) first IO~UI
I'1S88 In !)Un e lter ,men to our co of, talc n '
~nKd n~! 'brno~;4~~ ~o:J''i,rli 'l,ntar t~
FeIJri\\l 0 ~nt.~, men~tOili8 ChOl'llIS hond mln jg lh'!.'P'!I\.no.e
e. t...iS su s trtnn ere 10 8cue:~t WlI
rePuncHKl \ll' you. 'r~re StIIr.'V&'lnce ~tll us!'$QU musr pay ~ 10 us,
OUR RIGHT TO ATI'ORNEVS' FEES. Under certaln circumstances WE
mav~~PI' to pay our ecttal court InCl ouueooonot>le' anc
ac:1U or ees. I we Ben ~u a~ en OTlee 01 oataun ~J)CI Whll
ou Wi: 0 cure ~r.:; 81. ii'(!luI n~ a,l:e to ~" .Id,o e
~II o\.~~~'l,~ifu~~grl!1S ~~V~~O e~g~~~r JI~
YR,Il; o~l!Y.od, rerPrn';I:il~"nCf r.~..tr.l!o~~ wiif,t morr, ~h~Wb~
~~. -n;~1~~1~ I: o~"l~~ e~\orF. ~ 3a~d ~98~tf,Y!~
illor ~ nfOrce or dlj e d illlr llCl\~ un e 'i1'oillrOCl m.
reClualr~u III pav our ac: .\l c:our! ~ta an~r 'our reasoiiatl'1 In~
ac:1IJ anorneye TeeS.
~GES TO nllS CONTRACT. Thll Controot II the entire aoreemlnl
uo and~vou, W8~lha I" no olher~eem.nfa. ~"n orllrOl, Wlll'
o. r cnts1Jn r tns ntr Jlatlv. e an WaIVe 0
rm:ii:ibr!fi~nl~ogf~Rr ~"e~t' ")rg~~J! uJ:iro"llsW~
~ou on '<<!!"'~l'''er's In Cl a SICl~~ '6~ us, . r more n 0"(
BUII~tha "tract e nw o/'" e~ "11 ern rl as Ie
an u ~\ Wit oul wiilv~ 'l1' 0 e ,!It I . f 3"ur 1l.1rJ~ 18 I OUl
8 rilOt t. aUI ra ~ nun~ns~ tile u urea ttgme or an
~oF E,6Wfbnme ~f~y~1 ~t s Wlnot ~&:O~r ~ra~~6""~
~~ oavmenrs or koe" a 0 ~romse unda(lhll Contta<:Y: 'W~
o not :ve to gIVe anyone not! 0 an WaiVer, delay or release.
Thle Controct cannot be changld 0 y.
LAWTHAi1.PLIES~THISCO~ACT.. This Contract ~shall b<
vem , the Ie laws an ra lati S 0 the U ct State c
m'IDI: eg 0 t ~w~~~~ \}n~':,".!l"ro~e Fi'l:'cI'i'l.Cl.Jtreat~'!! ~'/;~
Ill: a \Rdt\l: or r8Bl ~roi>Ne3o '~r '?ill~ 1Il~ 1:i.~uru1:lU(ed'\'io~ \,
~~rJ.Y "g~'~~~lrest' o/~~~ ~Ha~O!~h~J~irbFn~naoi~
ffi~=i~~~ ~~~be~:.~~*-"~~'
~~~~.~o r~\WI:n : w,m.~Wc~"Il~ R~lf&.~~I'WI~~~m~um &'~r!r':J
r 001 In connecTIon Wllll ih1S comr ~ oerw.mec
: 1 a sueO en 8 811 rue amoun\
I~ llie ohor!l.\:~~eml Iml :t.n 2 an DU
PuYOU' ~;'~'::~2~'1.all! ~g~~~liXJe ~c1&11
vou._"1l rrel?~i1 reduces t,e'b~ance'ry~ owe, ~h. reouc&lW'WlI" DE
lI'ea",ci'oo a partl prepayment.
"
pag.4 of 5
008 DRAFT 8 01/14/97
LoanNo.1S3701,,~8 --. NOTICE .
ANY HOLDER OF THIS CONSUMER CREDIT CONmACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH
'T\-\E DEBTOR COULD ASSER'T AGAINST 'THE. SELLER_QPJmOQS OR SERVICES OBTAINED PURSUANT HERETO
OR WITH THE PROCEEDS HEREOF. RECOVIORY HEREUN[)cR BY THE DEBTOR SHALL NOT EXCEED AMOUNTS
PAID BY THE DEBTOR HEREUNDER.
SEU.eR'S ASSIGNMENT AND OBUGATIONS
FOR VAL.~~E ... [llCll1"!!tf ~~lch 18 hereby acknoWledged. Seller. n.med hereln-;-l1ai-.by iSRa. 88i!llnSj; iF.nlil8ili ani! oatS. ov., unio' ... . .
. N t"u N. I . __ _ _ _ (herelrwter I Its successors II11d ns, th,
~r~ menVw.: ac areinaflsr dascHbad .. th. 'eonlracl")anCl all Hghls, tiU., and Inl.rasll~ propany th.reIn d.::IBed .ne
all mon"'" duo /IlId 10 become due .nd all rights and ramadias undorlhe Conlract with power In Aaslg""" to ~gn I~hei In As.lgn....'s own name or Ir
the nama of Saller. lor _Ignee'a lllCClU8Ive ""n.lII, and to tak. all .uch 1ag.1 or olner proceecllnga as Sallar r:n!ghl h.ve tak.n .avI for this assignment
~tance oflh. Contractby _Ign.. .hall occur at 110 daalgnatad offiCI wl18n h I"ues 110 chac~ to the Sallar(s' as p.yment for the ColllracL. ,
A. To Induce ~n.. 10 purch... lhe Contract SaIlor warrants that (1) to Ih. bast of Sell.r'. knowleda., BuYao:(.)' cre"m statement submtttae
herawilh 18 true and corrBCt unl... oth8l'Wlse '!P.elllad In wrIUng; (2) Bwer(o) Ware of lagal ~ to cootrac1 and olh.rwIoa legally colJlPetlnt to conlr.ct .
the time of th. ""ocution of Ih. Contract; l3lln. Conlract .ro.. from thl bOoa.lldil.-lIIUlf lhii propl!1Y dascHb.d In the CoriIrllCl; (4) 811 slgn.turea on th.
Contract..... genuine; (51 S.lIer h.. goocf1llla to the Contract, free .nd cleir of i1111a"!..glalms and encumbr.nce.., and S.n.r h.. lull power .nd leg.
aulhoHty to '!8sllln lhil Conlract; (8) Ifnmedl.taIy prior 10 th. .xecution of the Conlract """,.r h.d good UU. to the Manufactured Home and .ny propern
sold IlHirawfth under the Contract Ustllned her.,n, free and claar of an U.n., claims ""i!.SnQUmbranCea' (7) any property racalv.d by SelI.r In tr.de on Ihl,
COntract lair.. from ~lens, IMlC)JrItY in_Is, encumbrancaa or any' olhar c1.lms, and BUyer(a) atlh. time of "".cution of lhe ConlrlC\, war. th. leg.
ownerls) of .uch prop . (8) the down "aym.nl W" m.cto~BUyer(S) In cash .nd nolllo equiV&ent unl... olharwls. SPaclfi.dcla':,~dno part Ih.raof WI!
lo.ned clractiy or Indlrae by Saller 10 Buyer(s); (8) the Bu II h.ve acceptod dallV"rv of and..... the own.rs of the prop.1:lY r1be<f In Ih. COnlroct
(10) I\Saignea II acqulHng a purchaaa mon!,\, aacurlty Inlllrel 1n Ih. ManUfactur.d H"omahfra. and c1.er of any lI.n, ClalmbOr .ncumbr.nca; (11) ~
ManufacliJr.d Home 0ll1llIcat8 of nl. .hawing a first priority llan or .ncumbrance naming t e _ranee .. aacuraa party has ean or will be ~prr.d fol
promplly; where ~propH.ta a UCC-1 financing statoniant or UCC-I fixture filing timelv p.iiactinQ.a1irst FHOrity U.n or .ncumbrance In favor of Aselgnel
has basn or will DB filed; (12) therl I. now oWing und.r Ih. Contract lhe amount ail lorth as "Total 0 paymanta" and Buyer(s) h.V. and will h.v. nc
setoffs, countarclalms or i:lSfena.e lIlIalnst amourils due or to. bIIc<lrrW due und.r Ih. COntract. (13) Ihe Conlract .nd .ach guarantaa submlltad Ir
connocUon tharawllh ..... In a111'\l.pOCls g.nulne unamend.d, and It!Ilally enforcaabl. without dar.noa or coUl1Ulrclalm against .ach purp<:>rted aign.toT)
Ih.reof: (14) Saller has compll.d WIth all Ip"licabl. laws and regulallOn. In Ih. saI. of Ih. Manufac1l/red Horns; (15) the dl!Sign and construction of Ih.
Manufactured H01l1n colJlPUance with all ap~lIcable ragul.tIOns or Ih. Dapartmanl of Houalng and Urban Davelopm.nt (hel'elnaflar known as "HUD"
Including, without U tallon. Ih.l!Peclficallone In ffact as ofthe d.t. hereof p/ascHbedJn the Maiillfactured !:Ioma Conltructlon .nd Safaty St.ndard. M
of 1974. as amend ; and (18) SaUer has comj>ll.d In full wllh all provision. of (.) IheFederal ConSilmer'CriKI~ Prolactiori Act of 1988, as amandod, ane
with all rogul.tione loaued lhar.unctor, (b) 1118 Federal Trad. eoml'nl8.lon Act.ricI' all rulas .nd regul.Uon. promulgatod Ih.reunder, (c) Ih. provlalone 0'
eacllon SO'Ifc) of Public Law 98-221 and the ~ulatlons of the OffIce of TMft SUp.rvlslon prolTlJkfalad thereund.r, .ach as .mend.d. (ell all provisions 0'
24 ~.F.R. Part 201 concerning Manufactured H'oma Iooallon atandards, and (a) .ny olher applicabl. Fed.ral, Stat. .nd IocaJ laws, raguf.tion., rulas ane
ordW~1lie ";';nt ~ of the warr.niIes mad. by S.II.r In ParaQrioph A abOve I. d';~8d by I\Sslg"';;' to hav.' beGn f.1ea when m.da, ;;"heih.r or no'
such false representatlona were knowing or Intentional Bnd whetfier or not Asslanee relied upon any such false rElp'resentatJons, or In the event that any O'
the fofl~lng warranties are breacheoin any other Way, and whether or nof there Is a default fn payment, seller shall repurchue the Contract fraIT
~n u n demand. wfthout recourse. for an amOunt of cash.~aI to the balance due on Ihe Cohtr colJlPut8d as of the date of Seller's urchase
whh cr. ?of whatever rebateo would be due to the Buyerl.) on the COntracllf the BuyeresJ' on the da:@S.II.rIPurch...,hadpr.pald the ~nlract Ir
full. The ~urohase prtpe also shall include an addltlonal'sum egual to five percent (5" of the balance due on the Contract, as and for A9sjgnee'~
Ilquldllled d~ for Aaslgn.... profillost on Ih. Contract, which amount Bellar and AsSIgnee hereby agree 18 reasonable In light of lhe anUclpal.d 01
actual harm cauSed Assign.. by reason of Seller'. oct(s). Ih. dlfllcUlty of proof of such lOllS, .nd th. inconveni.nc. or nonf.asibJllty of olherwlea obtalnln.
an adaquat. remedy. .
C. SaIIar Iurthar IIlIreaa'Jll th.lln the av.nt Ih.t _s) faU(.J or reluse(.) to make any "aYl!18nl due hereunder on the ....rtlon. .Ither oral CI
written, that the ManufictLlre Rome Is defective, not 88 fepresentcid It) Buye;r(s) I;>>y seJler, or thaf Seller has refused to honor any warranty or serviCE
agreement of Seller or manufacturer, upon befng advised I;)y Assignee of such claim of Buyer(8)', 5eJler will repurchase the ContraCt from ASsignee anc
pay _Ign.. for same Immadlstely in .ccordance w~h the IOrms IllIt forth In p.rfl..Ph B above .nd SeUer Iunher .gr..., and w~hoUllh. necasslty of .
JUdicial aetermlnatlon to Ind.mnlfY .nd hold Aaslgnee harmlese from any olli.r (a losses sustained as a result of any' claim or dar.n.. BU,Yer(s) may' h.V',
lllIalnst Saller (b) ctRlms of Buyer(a). Including. bu. notllmlt.cI to cIaIms]Or reIu~e. ot _nIB m.cto bY BuY!"'ls). (cJ claims for Buyer(e) allorlJ8YY feas
Whether or .not any 1it1aatlon occure, and (oJ claims or ~enses'related 10 the Usei1fon of Buyer(S)' claims. InclUding bUt.not limited to AsSlgnee'~
attorneys" f~ cosls aild BXp'enses Incurred, whether or not any li1iaation occursj'(2) to sell, at the request of Assignee, the Manufactured Horne, ~Ihel
with any other ,property purchased under the COntract, which has"been reposs!ssld by or for Assignee; SellerlurthGf agrees that repossessIOn of thE
proparty from the Buy.r(e), for .ny cauoa, ohall not rel.... S.II.r from Ih. obllg.tions of Ihls \lSraen1llnt; (3) th.t Aa.lgn.. Is h.reby authorlz.d, but no'
obligated, to correct any' and all errors In Ih. Contrac~ (4) th~ th. fallur.to fila or record this Instrum.nl or .ny r.l.taCIlnSIrUmant when required by I""
ehall not rel.... Sell.r from Saller's obligallons hereuna.r, (5) not to make III1Y settI.menl with any Buyer(s) on Ih. Contr.ct asslgn.d her.by wfthou'
Aaslgnea'. prior wrlltan con..nt; (~that Aselgnee does nol assume any obllg.lI6n or llabllity of S.lIafwllh rasp.ct to Ih. Contract or Otherwl"l..nd SalI.r,
withOut tl18 nee_tv of a jgdlcilil det.rmlnatlon 01 euch liability will hold Ass'll""" hannles. from and lllIalnst any ""P.n.. or ..bllity Incurr.d U'J AaslgneE
as the result of any obligation, UabUitv or action of Seller IncluCi'lng, without limitation, Assignee'. attorneys' fees, cPSts and .expenses incurred In detenainc
any such claim whether or not any U1Ig.Uon occurs; m Ih.1 ~n.. .h.1I hav.lh. sol. IIghl to maI<. CQllac1Ions on !h. COnlract and to notify .ach Buva;
of lha asaIgnm.n~ (8J nol to aollc~ ormak. any colfeCtions w1tti rea fact 10 the Contract .It.r ~ Is oold to AssIgn.., and that .11 such collections .nd othll
procaeds Itom suoo tontract Which may be racelved by Saller shal be held by ~ In trust for the AasIonee and pro~Uy tranlmlltad to _!gn... .nd Ie
forward 10 AssIgn.. promptly all communlcetlons and InquIries which Sellar m.y rec.1ve with refer.ncelo the Contr.Q~ 19) that Aoalgn.. m.y audit Salle(,
boOks .nd recorde r.latlng 10 Ihe Conlract; (10) Ihat the waiver of.ny d.laull hllr.undar shatl noloperata as a waiver 0 eU~.nl d.f.ullll. bUI all Hghl<
hereunder shaU continue notwithstanding 01'19 or more waivers and that the waiver or Change of any provision herein shall not be bi~R on AsslanBE
unl... mad. In a writing signed bY h; (11) Ih.llhls ~nt ahall inure to and bind Saller's aad Aaslgn..'. resp.ctlv. legal r.p talIvea, flairs,
sUCClllSOrs and asslgnl, .nll a!lY comp.ny affill.led WIth e~har Sallar or AoOIgnee which may Ir.neact bueln... pursu.nt her.to; (12) that .11 obllgo"
hereon ..verally walv. damand and prasantment for "BYl\1Ilnt, notlca or nonp.ym.nt, notlca of protast of this lnetrumenl and !IIlr.t> that their lI.cill\)
her.und.r shalI,nol b. .ffactad by .ny extensions of the time of p.vmenl of .1I6r .I!\' pan of the amounl Owing hereon .1 .ny time or limes; all~artI...
hereto alSlJ consent to renew8ls, release of CO-makerS, an subStitutions or additions of new Buyer s for Any' one or more of the Buyer(s) 0 Inall)
Signing the Conlract, .u~tullons or .collet.ral, reI.ases of colI.\I[,ral. and any and all w.lvers or oth.r mo~tlOns Ihat m.y b. gr.nted or conoanta to bl
ASsignee and h.r.bY wshl. 'noUce thareof; 113} thaI Aoalgnea'e rlghlB ancl [emecllOfliii8iJffiljj1'8lfall be cumulativ. .nd Aaslgnea may a..rels. .aY Hg~IB o.
ramadieo. whether against Buye((s) under Ih. Conlract, 8llalnst th. sacumy lher.for, !",Iilnst S.lIer, against security of SaII.r or Ill..nst any comclnBlJon 01
lhe foreaolng, in oucoprder as ASsign.. .... fit wIthoullhareby rel...lng .!lY olh.r hI it may h.v.; (14) Ih.t In lhe avent of ".fault~ 100 Aaslgn.. mal
procelKf 1IlI1iInst a.ny or all of the palllas hereon and .hall nol be required 10 first resort any security grv.n by any or all of th. I?srll..' 15jlhallfi. filing 01
. ".tition und.r Ihil United Stales BankruptcY Code bY or against any on. or mora of Ih. Buy.r{s' shall nol rei.... S.lIar from 58 lers obligations o.
Ilabnitfes hereunder; (18) that if this ieemei'l1 is referfed to an attorney for enforcement or colleCtIon, Seller shaJl pay Assignee's reasonable attorneys.
1-. dlsbu~court costS a~o liar relet~ ""p.n.... . _ , , . .. ,
D. In ,I I 10 . preViSIOns eat low In h. r h In 'aI.d Salier.
,. ,~ ~!l ....llInm.ntol"&I~llIractlnJ'.r.'WaI~~~out~urseagalnstSeller mcceplasealforthabova.
I P P FULL RECOURSE. S.ller unconclftionaliy and absolUlllJy guaranteeS p.ym.nt 01 Ihe lull amount r.malnlng' unpaid undsr the Con~.C1
R and agrees to repurchase the Conlract frOm Assignee upon d.mand, whather the Contract shall th.n b., or nol b. In d.fau~, for lhe
N P 0 lull amount Ih.n unpaid. with cr.dll for whataver rebaleS would be. due Buyer(s) on Ih. Conlract II Buyer(s), .. of the dal. 01 Sell.r',
I L p.ymen~ had p"'!>.ld Ills Conlract In lull.
T I V I:Ul.l..E\EPlJRCHASl'. If the Manufactured Home wItIch S!lCur8ll the COntr""Ile re"osse...d by or on behall of Asslgnea Sail.,
I ~rees to repurchase the Contract from AssIgnee uponaeinand, reg_dless of the condition or lOcation of the Manufac:wr8d Home
I C as Is, wher.~. Th. r. urch... r1ce shall be lhe balance due on~lhe Contract, computed .. of Ihe d.t. of r.purch... with cradl1
,. A 51 or whatevar r.batea wouFct b. due \:: Buyer(.) on th. COnlract, as If Buyer(sl. .. of Ih. d.te of repurch.... h.d pr.p.ld th. ContraC1
L B in full. togslher With Assianee's repossession expenses., Including, but nollirMed to, any court costS and attorneys feas, storage, repail
o and towing axpanses. IIpon payment Aaslgnee shall reassign iii. Conlract to Sallar. .
L N UMITEO REPURCHASE. "Seller ",r_to co"1P1v whh th. liifm. .na conaf1ionsonneloieijOfnlfFUllll.pu'CI\isii"AgriiEiinenTTWl>cl1
E . era Incorporetod her.ln bv refer.nce) provided, 00_. lhalouch oblleatlons of Sallar shill Ierminot. liereund.r upon paymenl by
Buyer(.) of lach of the firsl rnonlnly Installmant.. .ach w~ffin fifta.n (15) d.ys of no respectlv. due date.
UCFI Fonn MHPA11 (""nnaylv.nia-Oealer) Page 5 of 5 008 DRAFT 8 01/14/97
Exhibit "c"
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UNITED CAMPANtES
FUNDIN,G tNe
2051 KILLEBREW DR
SUITE 250
BLOOMINCTON OH 55lf25
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VERIFICATION
Mark J. Udren, Esquire, hereby states that he is the attorney for
the Plaintiff in this action, that he is authorized to take this
Verification, and that the statements made in the foregoing Complaint are
true and correct to the best of his knowledge information and belief.
The undersigned understands that this statement herein is made subject
to the penalties of 18 Pa.C.S. Section 4904 relating to
falsification to authorities.
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SHERIFF'S RETURN - REGULAR
CASE NO, 2004-02692 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
BANKERS TRUST CO OF CALIFORNIA
VS
ECK MICHELLE R ET AL
JASON VIORAL
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - REPLEVIN
was served upon
ECK MICHELLE R
the
DEFENDANT
, at 1753:00 HOURS, on the 22nd day of June
2004
at 140 CRANES GAP ROAD
CARLISLE, PA 17013-3000
by handing to
MICHELLE ECK
a true and attested copy of COMPLAINT _ REPLEVIN
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
18.00
3.45
.00
10.00
.00
31.45
So Answers:
.r~~~
R. Thomas Kline
06/23/2004
UDREN LAW OFFICES
Sworn and Subscribed to before By:
me this l~ day of
~ ,~Y A.D.
C ~. Q ~;P.., 1I1~,
lIr thonotary ,'-r}
CASE NO; 2004-02692 P
SHERIFF'S RETURN _ REGULAR
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
BANKERS TRUST Co OF CALIFORNIA
Vs
~CK MICHELLE R ET AL
c!ASON VI ORAL
--
-'
Sheriff or Deputy Sheriff of
c'mberland Co,n,y,penneYlVania, who being d"y "Worn aoOOrding '0 law,
ECK DANIEL - OCCUPANT
sayS, the wi thin .fOMPLAINT.......:: REPLEVIN
REFENDANT
was serVed uPon
, at 1753; O..Q HOURS, On the ~ day of c!.une
at 140 CRANES GAp ROAD
.fARLISLE, PA 17013-3000
RANIEL ECK
the
--
2004
-0....:
by handing to
a 'roe and a"ee'ed OOpy Of ~OMPLAINT _ REPLEVIN
~
together With
and a, 'he name 'ime direo'ing His a"en'ion '0 'he oon'en," 'hereof.
----.0
Sheriff's Costs;
DOCketing
Service
Affidavit
SUrcharge
6.00
.00
.00
10.00
,00
16.00-
;Worn and SUbscribed to before
e this _7!!'-
day of
So AnSwers;
:r-:C;:~ffWC<".,~;?~
/
R. Thomas Kline
06/23/2004
UDREN LAW OFFICES
By:
~
~"y Sheriff
UDREN LAW OFFICES, P.C.
BY: Mark J. Udren, Esquire
ATTY I.D. NO. 04302
WOODCREST CORPORATE CENTER
111 WOODCREST ROAD, SUITE 200
CHERRY HILL, NJ 08003-3620
856-669-5400
Bankers Trust Company of
California, NA, as Trustee,
pursuant to the applicable
pooling and servicing
agreement and assignment of
all servicing rights from UCFC
FUNDING CORPORATION, by EMC
MORTGAGE CORPORATION as
Attorney in Fact
Plaintiff
v.
Michelle R. Eck
and/or Tenant/Occupant
Defendant(s)
ATTORNEY FOR PLAINTIFF
COURT OF COMMON PLEAS
CIVIL DIVISION
Cumberland County
NO. 04-2692 Civil Term
PRAECIPE TO DISCONTINUE WITHOUT PREJUDICE
TO THE PROTHONOTARY:
Kindly mark the above DISCONTINUED WITHOUT PREJUDICE,
upon payment of your costs only.
DATED: Julv 1
2005
~.
~ren, Esquire
UDREN LAW OFFICES, P.C.
Attorney for Plaintiff
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