HomeMy WebLinkAbout10-3923
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BARLEY SNYDER LLC
Shawn M. Long, Esquire
Court I.D. No. 83774
126 East King Street
Lancaster, PA 17602
(717) 299-5201
Attorneys for Plaintiff
Pennsylvania State Employees Credit Union
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
v.
DONNA DAWSON,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION -LAW
No. ~~_ ~3 l~ ~i~ lTrt71
NOTICE TO DEFEND
Pursuant to PA RCP No. 1018.1
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 to you for any money claimed in the Complaint
or for any other claim or relief requested by Plaintiff(s). You may lose money or property or ^
other rights important to you. ~Qa.00 Pb ~T~"1
C~ 4sa~
2905325.1
Q.~ dy3 (o9(P
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW.
THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Court Administrator
4th Floor, Cumberland County Courthouse
Carlisle, PA 17013
(717) 240-6200
2905325.1
BARLEY SNYDER LLC
Shawn M. Long, Esquire
Court I.D. No. 83774
126 East King Street
Lancaster, PA 17602
(717) 299-5201
Attorneys for Plaintiff
Pennsylvania State Employees Credit Union
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION -LAW
v.
DONNA DAWSON,
No.
Defendant
AVISO PARR DEFENDER
Conforme a RCP No. 1018,1 del PA
LE HAN DEMANDADO EN CORTE. Si usted desea defender contra las demandas
dispuestas en las p~.ginas siguientes, usted debe tomaz la accion en el plazo de veinte (20) dias
despues de esta queja y el aviso es servido, incorporando un aspecto escrito personalmente o por
el abogado y azchivando en escribir con la corte sus defensas u objeciones a las demandas
dispuestas contra usted. Le advierten que si usted no puede hacer asi que el caso puede proceder
sin usted y un juicio se puede incorporaz contra usted por la corte sin-aviso adicional a usted paza
cualquier dinero demandado en la queja o paza cualquier otra demanda o relevacibn pedida por
Plaintiff(s). Usted puede perder el dinero o la caracteristica u otra endereza importante a usted.
2905325.1
LISTED DEBE LLEVAR ESTE PAPEL SU ABOGADO INMEDIATAMENTE. SI
USTED NO TIENE Un ABOGADO, VAYA A O LLAME POR TELEFONO La OFICINA
DISPUESTA ABAJO. ESTA OFICINA PUEDE PROVEER De LISTED La INFORMACIbN
SOBRE EMPLEAR A un ABOGADO.
SI LISTED NO PUEDE PERMITIRSE AL HIRE A un ABOGADO, ESTA OFICINA
PUEDE PODER PROVEER DE LISTED LA INFORMACION SOBRE LAS AGENCIAS QUE
LOS SERVICIOS JURIDICOS de la OFERTA de MAYO A LAS PERSONAS ELEGIBLES
EN Un HONORARIO REDUCIDO O NINGUN HONORARIO.
Court Administrator
4th Floor, Cumberland County Courthouse
Carlisle, PA 17013
(717) 240-6200
2905325.1
BARLEY SNYDER LLC
Shawn M. Long, Esquire
Court I.D. No. 83774
126 East King Street
Lancaster, PA 17602
(717) 299-5201
Attorneys for Plaintiff
Pennsylvania State Employees Credit Union
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
v.
DONNA DAWSON,
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION -LAW
No. ~~'V'~a'?J ~j1,V~
Defendant
COMPLAINT
1. Plaintiff, Pennsylvania State Employees Credit Union ("PSECU"), is a
Pennsylvania financial institution having an office at One Credit Union Place, Harrisburg,
Pennsylvania 17110.
2. Defendant, Donna Dawson, is an adult individual with a last known address of
4082 Regeement Blvd., Enola, Pennsylvania 17025.
3. On or about February 15, 2007, Defendant entered into a PSECU Loanliner
Advance Proceeds Voucher and Security Agreement and Loanliner Credit and Security
Agreement and Loanliner Addendum ("Agreement") with Plaintiff for the purchase of a 2007
2905325.1
GMC Yukon XL, VIN #1GKFK66867J296235 ("Vehicle"). A true and correct copy of the
Agreement is attached hereto as Exhibit "A" and incorporated herein by reference.
4. Plaintiff s perfected security interest in the Vehicle is evidenced by a
Commonwealth of Pennsylvania Certificate of Title ("Title" ), a true and correct copy of which
is attached hereto as Exhibit "B" and incorporated herein by reference.
5. Defendant defaulted under the Agreement by failing to pay the monthly payments
when due and is currently due for the months of Mazch 17, 2009 and thereafter.
6. Based on Defendant's default Plaintiff repossessed the Vehicle on or about April
25, 2009.
7. By letter dated Apri127, 2009, Plaintiff provided Defendant with a Notice of
Repossession and Sale ("Notice"), a true and correct copy of which is attached hereto as Exhibit
"C" and incorporated herein by reference.
For purposes of this action, PSECU is entitled to be reimbursed for all costs and
expenses, including reasonable attorneys' fees of twenty percent (20%) of the amount due for
enforcing the Agreement.
9. Defendant remains liable to Plaintiff under the Agreement as follows:
Principal $ 33,525.83
20% Collection/Attorneys' Fees 6,705.16
TOTAL
$40,230.99
plus costs of suit.
10. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq.,
Defendant may dispute the validity of the debt or any portion thereof. If Defendant does so in
writing within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will obtain and
provide Defendant with written verification thereof; otherwise, the debt will be assumed to be
2905325.1
valid. Likewise, if requested within thirty (30) days of receipt of this pleading, Counsel for
Plaintiff will send Defendant the name and address of the original creditor if different from the
above.
WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, demands
judgment against Defendant, Donna Dawson, in the amount of $40,230.99, plus costs of suit.
BARLEY SNYDER LLC
By:
~fiawr~CAor Long, Esquire
Court I.D. 83774
126 East King Street
Lancaster, PA 17602- 93
717.299.5201
Attorneys for Plain 'ff
2905325.1
VERIFICATION
Pennsylvania State Employees Credit Union
v. Donna Dawson
I, Gregory R. Diffenderfer, being duly affirmed according to law, depose and say that I
am the Collection Manager for Pennsylvania State Employees Credit Union; that I am authorized
to make this Verification on its behalf and that the facts set forth in the foregoing Complaint are
true and correct to the best of my knowledge, information, and belief.
To the extent that any of the averments in the foregoing document are based upon the
understanding or application of law, I have relied upon counsel in making this Verification.
This Verification is made subject to the penalties of 18 Pa. C.S.A. §4904, relating to
unsworn falsification to authorities.
Dated: ~ ~ 4 (C~
Gregory . Diffenderfer
2905325.1
ADVANCE PROCEEDS VOUCHER
AND SECURITY AGREEMENT
e
~~~
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Pennsylvania Sta e
Employees Cretiat Urdon
P. O. Box 67013
Harrisburg, PA 1710fi-7013
717.234.8484
860.237.7328
MAMB' : ~.a-..«w.w': !i`
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DONNA DAWSON 2/15/200 8118799728/L10 0005969450
1805 STATE ROAD
DUNCANNON, PA 17020 ~'~E`
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18~~UrrY ADVANCE, THE ONtYSBCURRY FOR THIS AOYANf~ Ia THE REAL PROPERLY pN MOST CA8E8 YbUR HOME) VVFttr~r YOU GAVE AS 8ECURI7Y WNEN YOUR ACCOUNT
IFTHtS 18 NOTA HOME EOIpTY ADVANCE. W ADDRION TO THE PLEDGE OF SHARES IN YOUR LOANLINER° CREDIT AGREEMENT. THE FOIJAWINO PROPERTY 9ECUREB THIS ADVANCE.
REM PROPEmY }J•:.r. +-f•\:~,.e.ti `I :i. ~•b• •O,I. Y.. .Yd.~:"'.. ~..J :-a....' ~"Y'«~1.. ..;~.
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a UKON XL 2007 1GKFK668ti7J296235 SW 57,655.00
4.0'rHER
YOU PLEDGE SHARES ANDIOH DEPOSR3 OF $ IN ACCOUNT NUMBER
O1.0 ACCOUNTA.OrW NUMBER PAYOFF PRONC. +INT.) OLD ACCOUNT20AN NUMB (B} PAYOFF (PRINO. + INT OLD ACCOUNT/LOAN NUMBER PAYOFF (PRINC. + NJTa
OLD ACODlH4TA.0AN NUMBER R4YOFF PRM4C.+INT. OLD ACCOUNTA.OAN NUMBER PAYOFF PRINC.+ OLD /IOf~UNi/t.OAN NUM~R PAYOFF PPANC.+r+tr.
By alxePti~ tht-~ p or by using the Curbs advanced and deposited Into your share/share draft accourrt, you agree (f) that the property reNrenced abovaB
w1)1 ascots tiLe fi and any other advances you have now w receive in the future under the LOAM.INER° t~edR and Security Agreement (the PIat1) and
any oilier emorsLte you owe us for arty ream now or In the future in accordance Yviih the terms of the Plan and (2) io make payments as disclosed above in
accordance with the terms of the Pin.
O Gt1101 MUIWLL 61b11P,116q 6t. K 66, 66.00. 96. P000. 61, 04, 06, AU. RIGIRS AEBgtV~ PENNSYLVANIA STATE EMPLOYEES CREDIT UNION FORM t!9175 JVXfCO1t10-i R97-4092~t fe/081
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. PENNSYLVANIA•STATE EMPLOYEES CREDIT UNION
• Malin Address • ' • ~ '
ASHIER'.S-.CHECK-~.~.... - ;.:•, ...: ~.... •-';~,:•.
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-" • '^'1''"' SEVENTY'FOUR THOUSAND•SEVEN'FIUNDRED'FOUR'DOLLARS AND 68 CENTS,:. '.';' ~ '
oR°ER .DONNA DA~VSUIV~~ '%~' ~ `, •„ : ~ ~ - .PENNSYLVANIA STATE .
' i~:• 'si '~; ~~ •' J' 1,;' ;~ ~ EMPLOYEES CREDIT UNION
.~~ ~•~ ~/ !,,'AND.FAULKNER HARRISBURG ~'.,' .,- ' ~, ~,~ '' :' _ VOID AFTER'9o DAYS:
i'
• % ~ ~ AU ORO:EO SIGNATURE, _ r: r•
11.223,239?u',.1:23L3eLLL6i: 6L2612632411' 44 ~ rl'00074704~68~r'
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;;f Q.O. 80X 67013•
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' I~~~ CERTIFICATE OF TITLE FOR A VEHICLE
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Q9Z179999QQ52QZ-QOZ
1GKFK66867J296235
VEHICLE IDENTIFICATION NUMIBEA
sW I O
BODY TYPE DUP SEAT CAP
2/23/[l7 I 2/23/07
DATE PA TITLED GATE OF ISSUE
20Q7 ~ G(t C I 64 2892917 Q1 DA
YEAR MAl:E OF VEHICLE TITLE NUTABER
I 2/23/071 CIQOtl4b{ D
PRIOR TITLE STATE OOOAt. PROCD. GATE ODOrA. 0.11LES I ODOM- STATUS
UNLADEN WEIGHT I GVWR I GCWR I TITLE BRANDS
REGISTERED OWNER(S) ~.~\4`e!~-~i rt Ct~~~Z t~
Y
DONNA SUE S DAWSO~~~''"~~~~fT~~^c,= us~t~~'~;~ ____
4U82 REGIMENT BLVF~` ~` ~' -~-'' '~~~.° ~',,
ENOLA PA ],7lI25 ~ - ,Y.,-
FIRST LIEN FAVOR OF:
PSECU
SECOND LIEN FAVOR OF:
FIRST LIEN RELEASED '
DATE
BY
AUTHORIZED REPRESENTATIVE
MAILING ADDRESS
PSECU
P 0 BOX 67E]13
HARRISBURG PA 17106
'C~
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i
I catlry as d Ihs date d Nalw, !ls ancl.l records d sls PamsYNrYs DsperlmeN
a Tnruporulbn MMa But Uls psreoMs) a calpany named herein V sts Mariul owner
dtln sefd vehicle.
tscRY3ED aND swoRN
6EFORE ME:
Tr w:ar.reroa MrWr mues para!pn br GrW~we a Txn b eru ,rend. Oesv-0ed
ebive, N:IkiA fo .+e ennAa+rMwe w etlw! Ieea Wa,u aN Ertl, Mn.
$IG.W.TURE OF APPLICANT Ofl AUTHDRIZ°D SIG!IER
5'GNAn,/rt'c OF C¢APPDCANLTITLE DF AUTI:ORQED SIGNER
ODOMETER STATUS
0 =ACTUAL AfILEAGE
I =MILEAGE E%CEEDS THE MECFUNICAL
LIMITS
2 -NOT THE ACTUAL MILEAGE
J + NO7 THE ACTUAL MILEAGE-0DOMETER
TAMPERING VERIFIED
~ + E%EMPT FROM ODOMETER DISCLOSURE
TITLE DRANDS
A = ANTIQUE VEHICLE
C =CLASSIC VEHKXE '
D =COLLECTIBLE VEHICLE
F =OUT OF COUNTRY
6 =ORIGINALLY MFGD. FOR NONJ7.3.
DISTRIBUTION
H .AGRICULTURAL VEHICLE
L + LOGOMIG VEHICLE
P = ISIWAS A POLICE VEHICLE
R = RECONSTRUCTED
S =STREET ROD
T =RECOVERED THEFT VEWIXE
V :VEHICLE CONTAINS REISSUED VIN
W =FLOOD VENICLE
% = ISM'AS A TAXI
II a aeCOnd UeNalder is Ysled upon seYsWdion a Ute lirst Yen, the UrW-
IIeNldtler ~musl lorward Ellis TYIe to the Buroau of Maa Vehicles wilh Ihe'
~appropdale Mrm and foe.
SECOND LIEN RELEASED
ALLEN D BIEHLER
Sccretar7 of Traagarlatba
tf a co-purcfgser ~Ler then your spouse is Ysbd arW you wmd the tide b
be dated as 'Joint Tenants With Right of Survivorship` (On death d one
owrLer, dtb QDeS to surviving owner.) CHECK NERE O. DItIBIwi1Se, the title
wdl be Issued as 'Tenerds.in Corrunon' (On death of one owner, interest of
deoeasad owner aoea to hisRLer heirs or estate).
IF NO UEN, CHECKO IS THIS AN ELTT (IF YES, flN REQl11REDj YES ^ NO^
TST UENHOLDER FINANCIAL INSTRUTigN NUMBER:
1ST UENHOLDER NAME
STREET
CITY STATE ZIP
IF NO 2ND UEN, CHECK U IS THIS AN ELT? (IF YES, FIN REQUIRED) VES ~ NO^
2N0 LIENHOLDER FINANCIAL INSTITUTION NUMBER:
2ND LIENHOLDER NAME
STREET
CITY STATE 21P
DATE
SY
AlTHORIZED REPRESENTATIVE
(TYPE~OfR PRINT) Certifi,' of Title must be submit(ed within 20 days, unless the put ;r is a registered dealer holding the vehicle for resale
i v Y A R N I N G TO COF.aPLETE OR PROVIDING AOFALSE STATE ENT t to AESULTAN F NESOOR IMPRISOWNh1ENT E TRANSFER OF OWNERSHIP. FAILURE
Reysnea aar:rs net c:.mcNa roax r.+sa?A :: rrJ2:e UST FIRST MIDDLE NAME
^ A.: ASSIGNMENT OF TfTL.E - as roa.vee aT u«. n rrc'~a.r a ^+~T a ngewroa aeavr.
Sx:.cr D :n a•.e tr:~i ~:••^.s!::n .-,ust ..^.s .a. ~~e:sa PURCHASER pR F;;LL
I G:Ne ceriry, to the test of mfrcw W:owledge that the cdon:etar reading is I BUSINESS NAME
I TENTHS ~ COPUPCHASER
_ _ _ _ _ _ X miles and refleds the actual mileage d Ue vehicle,
• SiaEEi
unless cne d the Icflrn'+ing foxes is checked: ADJP.ESS
(-I Reflecs The arnwM d mileage ^ Is NOT the actual mileage ~ CtT~.
7_I in excess of ds mechanical !imds WARNING: OCCmeter drscreparcy {
l~ Jle !urthar cemly that ttte vehicle is tree d any encumL•ranca and tttal the ownership i6 hereby PURCHASE PRICE
~ Iransremd W the person(s) or the dealer Rsted. ~ STA i E ZiP OR DIN
' SUBSCRIBED AND SWORN I
TO BEFORE ME:
J
Q -
W
0
d
H
INVe cerNy, b the best d my/our ktwMedge MY the odonNNm roaring b LAST FIRST MIDDLE NAIL
TENTTIS
X mNea and reneda the adual mileage d the vehkle,
~
- PURCHASER OR FULL
- ~
r - - BUSINESS NAME
unless one d the lolbwing bones is checked:
Reflects the amount d mleage le NOT NIe achal MlesggBa
l IM
^ WARNINQ
Od
l
di
^ N
N
F CO-PURCHASER
serepanq
excese d
:
ame
er
s medlBh
ce
INs
UWS huthsr canny that the vehide tit tree d any endlmbrerxx and Nut IM ownership Is hereby STREET
ADDRESS
Irenslaned b Ilse parson(s) or Nls dealer ksled.
CITY
SUBSCRIBED AND SWORN
TO BEFORE ME:
un nsv vaen PuRCw~sE PRICE
STATE ZIP OR DIN
J
a
w
O
a
a
~-
SELLER MUST
HANDPRINT NAME HERE
VWe utlNy, to Nte 6ect d myrour WlowWdga tllat Nte OdottldN rouWq N LAST FlRST MIDDLE NAME
.
. ~ .7ENTH8
.
_ ~ - ~ ~' X mNea and reflecla Ule adUal mileage d flu vehkle,
-
.- -. - F0.IRCHASER OR FULL
' BUSIIJESS NAME
udea one d Nla tdwwiltg bdxes N chedked:
pe
^ kl ewe a wn'Im ^ wA~RNTir~ o'~eomew~diede
anc
p
y
VWe hlrtllx aNly tlIW NN vehicle Is Tres d ally encumbrerwe and Ntat the olwletsNp b hereby
ADDRESS
Irensfened b Itls penorl(s) a pte dealer IbMd.
GTY
SUBSCRIBED AND SWORN
TO BEFORE ME: xr new VCeO
PRI
srAT~ z~
OR DIN
JQ
W
F-
Vwe cetNly, to Ifls best d my/otN krawlWpe tIW the odolltMar roatwlg h UST FIRST MIODIE NAME
TENTHS
._._ ~ r ..._ _ ~~ ~ rrlila Nb reflads the acWel ATNeage d the vaNde, ~ E fI1LL .
unless one d flIa idlowirtq boxes n dreked: nieave
^ h extxlH d rirsclldarllCdfle ^ WA~ANIN is OdomaMr e~aaepency STREW-BASER
1 an~firrn r ca~tly ricer M YehicN le tree d,my enclrnWSnq and Nut the ownnah~ A Mreby ADORESs
peraan(s) err Nra dealer listed.
_ GTY
SUBSCRIBED AND SWORN
TO BEFORE ME: .. _„ „~,,, srArE
J
Q
W
~ ~
~ d
5
f H
(n
SELLER MUST
HANDPRINT NAA,1E HERE
21P
PUI~HASE PRICE
OR GN
EXHIBIT ~
PSEC~k
04/27/2009
DONNA DAWSON
4082 REGEEMENT BLVD
ENOLA, PA 17025
NOTICE OF REPOSSESSION AND SALE
The 2007 GMC Yukon XL VIN # 1GKFK66867J296235 which we are financing for you has
been repossessed. The vehicle is being stored by: Richard & Associates, 3999 Spring Rd.
Shermans Dale PA 17090. (717) 241-5884.
Auction: Harrisburg Auto Auction 1100 S York St
Date: May 21, 2009 Mechanicsburg PA 17055
Time: 9:00 a.m. (717) 697-2222
The vehicle will remain in storage until May 16, 2009. You have the legal right to redeem this
motor vehicle within fifteen (15) days after the mailing of this NOTICE OF REPOSSESSION
AND SALE by payment of the AMOUNT NECESSARY TO REDEEM VEH[CLE.
Amount of Unpaid Balance (L10) $65,425.72
Amount of Interest $1,004.40
Plus Expenses:
Repossession Expense $350.00
Storage Expense @$20/day (4/25/09-5/16/09) $360.00
Late Fee $46.31
AMOUNT NECESSARY TO REDEEM VEHICLE (Cash or Certified Check): $67,186.43
You are hereby notified that the holder, intends to offer the vehicle at public sale at the expiration
of fifteen (15) days after the date of mailing this notice, and shall continue to be offered for sale
thereafter until sold.
Any personal belongings left in the vehicle must be redeemed by you within 30 days from the
date of this letter or they will be disposed of accordingly.
Sincerely,
r
~p~
Jodie Ross
Account Advisor
Pennsylvania State Employees Credit Union
Main Address: 1 Credit Union Ploce, Harrisburg, PA 171 10-2990 • 717.234.8484 • 800.237.7328
~ Mailing Address: PO. Box 67013, Harrisburg, PA 17106-7013 71 7.777.2100 (TDD) • 800.472.1967 (TDD)
This credit union is federally insured by the Notional Credit Union Administrotion. Equal Opportunity Lender www.psetU.tom
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O Return Receipt Pee ~ - Postmark
(Endorsement Required}
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s,_ , Hare
~ Rastriuied Uaiivery Fae
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o ~ DON~fA DAWSOV ____ _
'~ "sir"r ~1U82 REGEE1~iENT BLVD ~~ ~~ ~~~
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cq ENOLA, PA 17025
:,. .,
^ Complete items 1, 2, and 3. Also complete
item 4 if Restricted Delivery is desired.
^ Print your name and address on the reverse
so that we can return the card to you.
^ Attach this card to the back of the mailpiece,
or on the front if space permits.
1. Article Addressed to: ` `••
A,~
m
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~nr~~~rn~~~uru~r~i~r~rr~r~i~
DONNA DAWSON
X082 REGEEMENT BLVD
ENOLA, PA 17025
A. Si .,
~. Received by (Pr/nted Name) C. Date of Deliver)
I~c~-j~~e~ i Y a -~~~~
D. Is delivery address different from Item 1? ^~
If YES, enter delivery address below: ^ No
/f (~-'
3. Ice Type
Certified Mall ^ Express Mail
^ Regiistered ^ Return Receipt for Merohandi:
^ Insured Mail ^ C.O.D.
4. Restricted Delivery'1(Ext~a Fee) ^ Yes
2. Article Number 7 0 0 5 18 2 0 0 0 0 7 418 2 0131
R tium service ~~
PS Form 3811, February 2004 Domestic Return Receipt to2ss5-o:
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
r~ ~~ ~ t.
2QI0 ,1UN 2 I ~~ 9~ ~~+
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t7F~'iGE QF ~ ~E $MERIFF
Pennsylvania State Employees Credit Union I Case Number
vs.
Donna Dawson 2010-3923
SHERIFF'S RETURN OF SERVICE
06/17/2010 05:43 PM -Ryan Burgett, Deputy Sheriff, who being duly sworn according to law, states that on June 17,
2010 at 1739 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Donna Dawson, by making known unto Michael Dawson, Son of defendant at 4082
Regiment Boulevard, Enola, Cumberland County, Pennsylvania 17025 its contents and at the same time
handing to him personally the said true and correct copy of the same.
RYAN BU
SHERIFF COST: $41.50
June 18, 2010
SO ANSWERS,
RONNY R ANDERSON, SHERIFF
(ci CounfySuite Sheriff, Teleosoft, Inc.
i ~r ~ ~r ('r ~ ~,
T _ `~~
n_. i ~
NOTICE TO PLEAD
To: Pennsylvania State Employees Credit Union
You are hereby notified to file a written
response to the enclosed Preliminary
Objection under Pa.R.C.P. 1028(a)(1)
within twenty days from service hereof
or a judgment may be entered against you
By: ~'(~~~~-tom C
Robert C. May, Esquire
Counsel for Objecting Defendant
Z~1~ ~~ 27 ~M~'
t .}
cu~~.~~: ~'~;~~r
~- ~ .,
THE LAW FIRM OF MAY & MAY, P.C.
Robert C. May, Esq.
Attorney I.D. # 65602
4330 CARLISLE PIKE
CAMP HILL, PA 17011 Attorney for Defendant, Donna Dawson
(717) 612-0102 (phone)
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
v.
DONNA DAWSON
Defendant
NO. 10-3923 Civil Term
CIVIL ACTION -LAW
JURY TRIAL DEMANDED
DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT -
LACK OF JURISDICTION OVER THE PERSON (Pa.R.C.P.1028(a)(1)) AND, IN
ALTERNATIVE, LACK OF CONFORMITY TO LAW OR RULE OF COURT (Pa.R.C.P.
1028(a)(2))
Defendant, by and through its attorney, Robert C. May, Esquire, preliminarily objects to
Plaintiffls Complaint pursuant to Pa.R.C.P. 1028(a)(1) and Pa.R.C.P. 1028(a)(2). Defendant
asserts Preliminary Objections to the Complaint based on a lack of jurisdiction over the person
and, in the alternative, lack of conformity to law or rule of court. as follows:
Preliminary Objection Pursuant to Pa.R.C.P.1028(a)(1)
The objecting defendants are not subject to in personam jurisdiction of this Court
because:
1. Defendant has not been properly served the Complaint. The Sheriffls return indicates
that Defendant's son, Michael Dawson, was served the Complaint at Michael Dawson's
residence.
2. Defendant does not reside with Michael Dawson or at Michael Dawson's residence.
3. Defendant does not reside in Cumberland County.
4. Pa.R.C.P. 402(a)(2)(i) allows for Service of Process "(2) by handing a copy (i) at the
residence of the defendant to an adult member of the family with whom he resides; but if
no adult member of the family is found, then to an adult person in charge of such
residence;"
5. The Sheriff s service at the residence of Defendant's son, and not at the residence of
Defendant, fails to satisfy Pa.R.C.P. 402(a)(2)(i).
6. Therefore, service of process on Defendant has not been made according to the Rules of
Civil Procedure.
WHEREFORE, the objecting Defendant requests this Court to sustain her preliminary
objection and dismiss all claims against her, because this Court lacks personal
jurisdiction over her, she is not subject to personal jurisdiction in this Court.
Alternative Preliminary Objection Pursuant to Pa.R.C.P.1028(a)(2)
7. Paragraphs 1 to 6 above are incorporated here by reference.
8. Plaintiff failed to follow the Rules of Civil Procedure with respect to service of process.
9. Plaintiff alleges in paragraph 3 of its Complaint that Defendant signed a written contract,
and that the written contract is attached as Exhibit "A" to the Complaint, but Exhibit "A"
fails to attach the written contract to the Complaint.
10. Rule 1019(1) of the Pennsylvania Rules of Civil Procedure requires that where a claim or
defense is based upon a writing, the pleader shall attach a copy of the writing, or the
material part thereof, but if the writing or copy is not accessible to the pleader, it is
sufficient so to state, together with the reason, and to set forth the substance in writing.
1 i. Therefore, by not attaching the writing, which Plaintiff claimed was attached to the
Complaint, Plaintiff has not prepared a Complaint that complies with the Rules of Civil
Procedure.
12. Plaintiff s Complaint fails to set forth sufficient facts as to time, place and items of
special damages with specificity, as required by Pa. R.C.P. 1019(f).
13. Plaintiff fails to attach or explain the accounting of the sale at auction, including but not
limited to how much Plaintiff received at auction for the vehicle, and the procedures used
to ensure that fair market value was obtained at auction.
14. Plaintiff fails to attach a statement of account, or to explain and substantiate the alleged
balance or amount owed, including specific dates or terms under the contract.
15. Plaintiff fails to substantiate its claim to interest and/or attorneys fees claimed in the
Complaint.
16. The Complaint does not comply with Pa. R.C.P. 1019(a), which requires that "the
material facts on which a cause of action or defense is based shall be stated in a concise
and summary form."
17. As a result, plaintiff s complaint is vague and general and does not specifically state the
debt incurred or what, if any, payments are due and the nature of the charges included as
part of the amount Plaintiff claims to be owed.
18. Under Pa. R.C.P. No. 1028(a)(2), a party may preliminarily object by way of a motion to
strike off a pleading because of lack of conformity to law or rule of court.
19. The substance of Plaintiffs Complaint violates the Pennsylvania Rules of Civil Procedure
and must be dismissed.
WHEREFORE, in the alternative to her objection based upon lack of jurisdiction over
the person, the objecting Defendant requests that this Court dismiss Plaintiffs Complaint
with prejudice because the pleading lacks conformity to law or rule of court.
Respectfully Submitted:
THE LAW FIRM OF MAY & MAY, P.C.
4330 Carlisle Pike
Camp Hill, Pennsylvania 17011
(717) 612-0102 (phone)
Attorney for Defendant Donna Dawson
By
Robert C. May, Esquire
Identification No.: 65602
DATED: July 23, 2010
'S~RI~'ZCATYON
1 verify the statements made its these Preliminary Objections are -true and correct to the best of
my knowledge, information and belief. Y understand that false statements herein are made subject
to the penalties ofi 18 Pa.C;S. Section 4944 relating to unsworn falsification to authorities.
Donna Dawson
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION
Plaintiff
v.
DONNA DAWSON
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA.
NO. 10-3923 Civil Term
CIVIL ACTION -LAW
JURY TRIAL DEMANDED
ORDER
AND NOW, TO WIT, this
day of
2010, upon
consideration of Defendant's Preliminary Objections to Plaintiff's Complaint, the response
thereto and after hearing held thereon, it is hereby ORDERED and DECREED: Defendant's
Preliminary Objections are granted as follows:
Plaintiff s Complaint is dismissed pursuant to Pa.R.C.P. 1028(a)(1) due to lack of
personal jurisdiction.
Plaintiff's Complaint is dismissed pursuant to Pa. R.C.P. 1028(a)(2) due to lack of
conformity to law or rule of court.
By the Court:
J.
CERTIFICATE OF SERVICE
I certify that I am serving the foregoing Preliminary Objections to Complaint
today by first class mail as follows:
Shawn M. Long, Esq.
Barley Snyder LLC
126 East King Street
Lancaster, PA 17602
~~
Robert C. May, Esquire
July 23, 2010
{
der ..
BARLEY SNYDER LLC
Shawn M. Long, Esquire
Court I.D. No. 83774
Matthew M. Hennesy, Esquire
Court I.D. No. 307020
126 East King Street
Lancaster, PA 17602
(717) 299-5201
Attorneys for Plaintiff
Pennsylvania State Employees Credit Union
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
V.
DONNA DAWSON,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
NO. 10-3923 Civil Term
CIVIL ACTION - LAW
JURY TRIAL DEMANDED
NOTICE TO DEFEND
Pursuant to PA RCP No. 1018.1
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 to you for any money claimed in the Complaint
2991390.1
or for any other claim or relief requested by Plaintiff(s). 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.
Court Administrator
4th Floor, Cumberland County Courthouse
Carlisle, PA 17013
(717) 240-6200
2991390.1
BARLEY SNYDER LLC
Shawn M. Long, Esquire
Court I.D. No. 83774
Matthew M. Hennesy, Esquire
Court I.D. No. 307020
126 East King Street
Lancaster, PA 17602
(717) 299-5201
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
V.
DONNA DAWSON,
Defendant
Attorneys for Plaintiff
Pennsylvania State Employees Credit Union
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION - LAW
No.
AVISO PARA DEFENDER
Conforme a RCP No. 1018,1 del PA
LE HAN DEMANDADO EN CORTE. Si usted desea defender contra las demandas
dispuestas en las paginas siguientes, usted debe tomar la accion en el plazo de veinte (20) dias
despues de esta queja y el aviso es servido, incorporando un aspecto escrito personalmente o por
el abogado y archivando en escribir con la corte sus defensas u objeciones a ]as demandas
dispuestas contra usted. Le advierten que si usted no puede hacer asi que el caso puede proceder
sin usted y un juicio se puede incorporar contra usted por la corte sin aviso adicional a usted para
cualquier dinero demandado en la queja o para cualquier otra demanda o relevacion pedida por
2991390.1
Plaintiff(s). Usted puede perder el dinero o la caracteristica a otra endereza importante a usted.
LISTED DEBE LLEVAR ESTE PAPEL SU ABOGADO TNMEDIATAMENTE. SI
LISTED NO TIENE Un ABOGADO, VAYA A O LLAME POR TELEFONO La OFICINA
DISPUESTA ABAJO. ESTA OFICINA PUEDE PROVEER De LISTED La INFORMACI6N
SOBRE EMPLEAR A un ABOGADO.
SI USTED NO PUEDE PERMITIRSE AL HIRE A un ABOGADO, ESTA OFICINA
PUEDE PODER PROVEER DE USTED LA INFORMACI6N SOBRE LAS AGENCIAS QUE
LOS SERVICIOS JURIDICOS de la OFERTA de MAYO A LAS PERSONAS ELEGIBLES
EN Un HONORARIO REDUCIDO O NINGUN HONORARIO.
Court Administrator
4th Floor, Cumberland County Courthouse
Carlisle, PA 17013
(717) 240-6200
2991390.1
BARLEY SNYDER LLC
Shawn M. Long, Esquire
Court I.D. No. 83774
Matthew M. Hennesy, Esquire
Court I.D. No. 307020
126 East King Street
Lancaster, PA 17602
(717) 299-5201
Attorneys for Plaintiff
Pennsylvania State Employees Credit Union
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
V.
DONNA DAWSON,
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
NO. 10-3923 Civil Term
CIVIL ACTION - LAW
Defendant
JURY TRIAL DEMANDED
AMENDED COMPLAINT
Plaintiff, Pennsylvania State Employees Credit Union ("PSECU"), is a
Pennsylvania financial institution having an office at One Credit Union Place, Harrisburg,
Pennsylvania 17110.
2. Defendant, Donna Dawson, is an adult individual with a last known address of
4082 Rereement Blvd., Enola, Pennsylvania 17025.
3. On or about February 15, 2007, Defendant entered into a PSECU Loanliner
Advance Proceeds Voucher and Security Agreement and Loanliner Credit and Security
2905325.1
Agreement and Loanliner Addendum ("Agreement") with Plaintiff for the purchase of a 2007
GMC Yukon XL, VIN #1GKFK66867J296235 ("Vehicle"). A true and correct copy of the
Agreement is attached hereto as Exhibit "A" and incorporated herein by reference.
4. Pursuant to the Loanliner Advance Proceeds Voucher, Defendant agreed to the
terms and conditions of the extension of credit as set forth in the Loanliner Credit and Security
Agreement. A true and correct copy of the Loanliner Credit and Security Agreement is attached
hereto as Exhibit "B" and incorporated herein by reference.
Pursuant to the Agreement, Plaintiff forwarded the loan proceeds for Defendant's
purchase of the Vehicle by check in the amount of $74,704.68.
6. Pursuant to the Agreement, Defendant purchased and took possession of the
Vehicle using the loan proceeds.
Plaintiff's perfected security interest in the Vehicle is evidenced by a
Commonwealth of Pennsylvania Certificate of Title ("Title" ), a true and correct copy of which
is attached hereto as Exhibit "C" and incorporated herein by reference.
8. Defendant defaulted under the Agreement by failing to pay the monthly payments
when due and is currently due for the months of March 17, 2009 and thereafter.
9. Based on Defendant's default Plaintiff repossessed the Vehicle on or about April
25, 2009.
10. By letter dated April 27, 2009, Plaintiff provided Defendant with a Notice of
Repossession and Sale ("Notice"), a true and correct copy of which is attached hereto as Exhibit
"D" and incorporated herein by reference.
11. On June 18, 2010, the Vehicle was sold in a commercially reasonable manner by
Harrisburg Auto Auction.
2991390.1
12. On June 30, 2010, Plaintiff provided Defendant with an itemized breakdown of
charges and proceeds realized on the sale of the Vehicle, a true and correct copy of which is
attached hereto as Exhibit "E" and incorporated herein by reference.
13. For purposes of this action, PSECU is entitled to be reimbursed for all costs and
expenses, including reasonable attorneys' fees of twenty percent (20%) of the amount due for
enforcing the Agreement.
14. Defendant remains liable to Plaintiff under the Agreement as follows,:
Principal $ 33,525.83
20% Collection/Attorneys' Fees 6,705.16
TOTAL
$40,230.99
plus costs of suit.
15. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq.,
Defendant may dispute the validity of the debt or any portion thereof. If Defendant does so in
writing within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will obtain and
provide Defendant with written verification thereof, otherwise, the debt will be assumed to be
valid. Likewise, if requested within thirty (30) days of receipt of this pleading, Counsel for
Plaintiff will send Defendant the name and address of the original creditor if different from the
above.
2991390.1
3
WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, demands
judgment against Defendant, Donna Dawson, in the amount of $40,230.99, plus costs of suit.
BARLEY SNYDER LLC
141
B y:
Shawn M. Long, Esquire
Court I.D. 83774
Matthew M. Hennesy, Esquire
Court I.D. 307020
126 East King Street
Lancaster, PA 17602-2893
717.299.5201
Attorneys for Plaintiff
2991390.1
VERIFICATION
I, Matthew M. Hennesy, Esquire, verify that I am the Attorney of Pennsylvania State
Employees Credit Union; that as such I am authorized to execute this Verification on its behalf;
and that the facts set forth in the foregoing Amended Complaint are true and correct to the best
of my knowledge, information and belief.
This Verification is made subject to the penalties of 18 Pa.C.S. § 4904, relating to
unsworn falsification to authorities.
Dated: f By: /
Matthew M. Hennesy, Esquire
i
EXHIBIT A
KANWM
s
ADVANCE PROCEEDS VOUCHER
AND SECURITY AGREEMENT
PSECNi
Pennsylvania Stafa
Employees Credit Union
P. 0. Box 67013
Harrisburg, PA 17106-7013
717.234.8484
8D0.237.7328
MEMBERNAME• _ f)(1TE :YdEIV1 H'AC INET(U?AaFFi o> : t NOTE.??L4i6 t'v_: f.
DONNA DAWSON 2/15/200 8118799728/L10 0005969450
1805 STATE ROAD
DUNCANNON, PA 17020 PURPOSE: --
AutoCheck Dealer
TRANSACTION
TYPE ? NEW LOAN
1 OPEN-ENO
? LOA
ADV SC
[:] HOME
?
. 2.
N
ANCE S.
RIBE)
(O 4.
EQUITY ADVANCE
OFFERED
SECURITY IFTH1919 A HOME EOUITY ADVANCE, THE ONLY SECURITY FOR THIS ADVANCE IS THE REAL PROPERTY (IN MOST CASES YOUR HOME) WHICHYOU GAVE AS SECURITY WHEN YOUR ACCOUNT
WAS ESTABLISHED:
IF THIS IS NOTA HOME EQUITY ADVANCE, IN ADDITION TO THE PLEDGE OF SHARES IN YOUR LOANLINER° CREDIT AGREEMENT. THE FOLLOWING PROPERTY SECURES THIS ADVANCE.
REM PROPERTY
:.MOREL'` -.i.:Y?R'= •=L0. U A q;;:"?.:• ,.:.,r.. • :,,TfP t.;;..:• 'V E.
GMC UKON XL 2007 1GKFK66867J296235 SW 57,655.00
2.
a
4.OTHER
YOU PLEDGE SHARES ANWOR DEPOSITS OF $ IN ACCOUNT NUMBER
OLD ACCOUNTILOAN NUMBER (A PAYOFF (PRINC. + INT.) OLD ACCOUNTILOAN NUMBER (B) PAYOFF (PRINC. + INT. OLD ACCOUNTILOAN NUMBER (C) PAYOFF (PRINC. + INT.)
OLD ACCOUNTA.OAN NUMBER (D) PAYOFF (PRINC. + INT.) OLD ACCOUNT/LOAN NUMBER E) PAYOFF PRINC. + IVT. OLD ACCOUNTILOAN NUMBER F) PAYOFF (PRINC.+ INT.)
By accepting the proceeds or by using the funds advanced and deposited Into your share/share draft account, you agree (1) that the property referenced above
will secure the advance and any other advances you have now or receive in the future under the LOANLINEW Credit and Security Agreement (the Plan) and
any other amounts you owe us for any reason now or In the future in accordance with the terms of the Plan and (2) to make payments as disclosed above In
accordance with the terms of the Plan.
000 MUNAL GRMIP,191412,14. !6.69, 95• 99.2= 01, 04, 06. ALL RIGHTS RESSM PENNSYLVANIA STATE EMPLOYEES CREDIT UNION FORM 43175 JV%X0100.7 037.209& 1 (6106)
rl `A-:?
PENNSYLVANIA STATE EMPLOYEES CREDIT UNION CASHIER'S CHECK
Mailing Address
P.O. BOX 67013
NO ,2032397
HARRISBURG PA 17106-701.3
DATE
02.115/2007
$ 74,704.68
SEVENTY FOUR T14OUSAND SEVEN'HUNDRED'FOUR,DOLLARS AND 68 CENTS, . -'-.'
TO THE
ORDER DONNA DANVSON;,• %?- :';;
-
•, PENNSYLVANIASTATE
' EMPLOYEES CREDIT UNION
OF
?. K .? . ,,AND;FAULKNER HARRISBURG VOID AFTER 90 DAY'S
/'.. i/<•
.?.. _...__..--..-'?-.--_,.-.... ._, _._. t?._ ___.. .. ..-_. ti?. • .,.. :_ AU ORIZED SIGNATURE, .
61.
I
rl'221239711' 1:23138i11,61:
:. 61261, 2612411' 44 7,,oco74?bi,.A,1
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EXHIBIT $
PSECOO Pennsylvania State Employees Credit Union
w Po n'_1;7? • .?r<n+; _ JA 0 -7;-1 ..?9 bob-1 h rir hf,/;):?•;t ,. .: ?:., :rn:.: .
Loan Disclosures
?_.?P:Ltr,ER" e:}'t asl S_ ,u :t arch r.._..: "r,ih CREDIT INSURANCE - res,- w :1m- _r cr J +i ,ar r --o ., cpnona+
as the Plan le Plan under rC P-nrr 1 VOL :iAo for ass 1z r';1:11. - -tool L,S. ,r,,. duth';r,7e
.1b _ ?, wO art .`.a warn-, You. your ow borrower _ oer_c w o srps .:s is 3..r: M"'S. In , r'm,; rn •nnWV E., ...,u = b.lan. nd [n'cry: You '..
,u MO Credit union. we. our and us rYi ME:. „ Ann . ... ,.. ,. .c Soul ? roost on no u Mm wlnri ? -. if yo,a ? e?..t C <a.t s•a1a-re, ;our t,ayments ray,
!& or wi ,,,t_ 5 N i , .5 .. .._ t ; P a: mane w the perky of m tece ,ry L m ..! . .r r ,,,Ir ca 'ay be ewerded
e t,.,rc? ere ,+ t, ?? ??°;?
HOW THIS PLAN WORKS -
, - The creel' r,su'4n_c talcs 3y c'iw ;e dunng t e V , it r,_ n5 r:ange, '.,o .'d!
? .
-
1,.aste tr'at, hcn, n eu) t+r - .r V, k, n'.; r _ y iCa T pro'viui_ ally no; ,_, luir b app e to.,
On Fan We are not mcitil d W make advances to you under the Plan and can PERIODIC STATEMENT -- On o . ,.sic sho,a:nq
refuse a request for an advance at any time An .AW r d.."n c:; nn" M; ! -p trar°.a'tnfs ;,nd,_; to PW & nn me Oman rmyeo N one SKittria nt.
er, type> rf rr. 1 .,.__,. riac a,:140 n ; I0 M o "A- 1 owe" ? Stammerrm ant, ,_,L',s w,-+ Je no w you of le r,vt rfmM ad tress P" We
....,, rate hr ea.' yUba.- w w ?_ ..,a,;:'.: to a day y Pe :ra, "ov X4
,?? arn_n _, a v.nrag 1,rM ; 1Fpf.ehw; lat. teq e, t. ?,+:• ;old borrrwer
, r!irr 3tgi.°S. i, May dm no Oth
,ovns?i-n-orr; 3nri U.tt (__. ^.Cn r ,li aptCt. SO aOV C' f •f yCr,.l :. , ,1< mix e r0 .34
-,d a ._ned. +" de r .. . r t n. , n _ ,n;_
n..,L,:l nl -wf"? '. W 1': Ind:4ld:.ll!I a`,d
JOINT ACCOUNTS -- .. s st {o, ' V Y Kr1I
y`
CREDIT LIMIT tii. ,., „_ .lot ._ ,,, emu n a felt I•.. t.a __ ,.,, nespoivUe fx ,nym, At ovum -L as ... -wan. .._ ;a., erferce our ifps
.,_-,:,CMM_ I' .. . -,_ T" "ta: ....t1 a(slc.-! r Nt=)en ed on anwrbe Pon , m1.ao one .tyGf. Jol, r r "s allayJwpm, I:,ou -
'w d t -1- if O?i" ,.roc „i :a t; npal g"iq L., rn ms I ^ av; : ns way C. l se'1 Was y m ., actor,. ,.ies= wil
-.dra*, y ? a.',. Jri . d: :f . ,... ,.. r: fittri pvlrVy re 4-iw:5 nP. -,,{ t f i ,In . '.1' . ..?.r (it ,voL. it Ulfi0'17.a.S the
pm :n 'se . .'wv our,, yow os o m 'I•f, P a no_,
REPAYMENT - r. cv ?i in omo a;lr;erc . UN VW t. , No a p .- ? w ,_,._.1 Ce5 t'a9e to ^'t6'
,
. . d . P ii-.t,.. Eli •,,,_ _ , . ...; t, n'r, a I@3` ,t_ ,.i' d_ d:1, Util„r , Any j'a t";?:.qr .,.dL'r m i i,f? ?_ inn It by J'v :7:i pact wr'1i,'n
•
1 ,C :? ae .. :1" Aclu ,-,OnI _ in (J:, _ i SIt • l a 'X 0 NAM " W Q 0" 117-110 to am we QM .. Y. Mo 0 t_{1 .t Y A'i
":l( , flTl :r:t N. t E ,., VT ,f.r.:'.i14: - ri'ni l 1 Ir, :, av "tn•j':I 7 On, .,f ,II am . ,,, ?.-., r f I0"IN "Mir blor'.
in n -_, nc *W .. _ , , „M I ,r au . ti Mom . she-,,- 'ta•.e FEES AND CHARGES - f fr;., GOO .., of -WQ I u s, T _ awr !Mom o'
_ _ ... ,,vy:.'!1 Baer,. 101 y w a. .,ri;r ,i...?. Mi . iva"- ' - r..,,; it. .Cary . _I
,.r6pc y..'21Tay .ii'cin_70 y,U a r ai, ". t:, 0040 ?:r "am W we pe?pert}'. ff we
or Barr , Wh a 'x9d o W a" "M 0 V=1 , son , no M lo a. Q mi _f Me vo w IT by cwV
Scc7 iC )'Qa :3t t,,,-- !In,: ?,Ot: Obi„ n ,Sn iiUV,3rIe
r „ w a >. 51O r: %j _ ntakf r : ?(u w y h.. •e=.7 wo nay" VA Mom W myr, .Jet irg r .. o m r _. . inmC r a.N E Pon . tau; . urr -:•tt tees :ire
.,a AQ- t, .:r my Q ., Cw ? r. 1 :;'it ,,,t,„ h•ii - 'y", r we 5 9 t I ,±r d _d to !' Ai 1 ,.., t m. m! . e Wood j-, z,,, gala e rnlass you 1-y
•
y'., 1v11 D, :i otdraf_ ;-iuiaNp '..'t@r' c-3n.
nt olcu t „r v v'I e r y, t
UPDATING CREDIT INFORMATION in pr mr 1-, i 1 hn f i gm us
r s, y . ?r . ur _ .. 1 ?r r ?? Pl.t t .h.;. r' •:r st
'Itte n nce r r -C a.a:?qc f xjr rat Cr ."r t r r t, r if ry Gt1er
' - nfOrr Ua y0. 1 r -1 _C7 S „(o, --r r+ J,r al:r 4?rtU tp
PLAN ACCESS -Y-,u can co taw _wou 3... ^ m any rt:an n. tin. ,td bv a .+ rrrDVr11? us ?;,, ,r t •y nfcrmaT' 2n.
Ov, ,n r t r,n > r 7ts'CI {+.f f r P r1 y n ,? r L . r tr,,.
,
f
•
`
- DEFAULT - The to Mowing paragraph applies to borrowers in Idaho, Kansas.
ar i US,
- ,;; >+ .at)
Ia r r,
a
::, e
P •` uw .
.
Maine and South Carolina •1 . l c r :.ri t .'nr t 0.!
r
cW% •.ritu ,{ of 'tve , , str. r
?
M'3 t3 v try 5 e, I, k :'e hN
Ii' t 3r h.z. r.- r iri);,_r.
De
° pr(.>['
r :r
r.[ r f .. r .tier 3r _` t t,.1 16 + 6 + + / '.r ,,,f
,viaw r i-P F I I , u t . mm m .,..r Ir .. ,_I I ,, f
t. -, 'C: ale , !V !r x, he P:, i-r_ , , " In, 0"C 00 I .."Am 1 The lollOMng paragraph applres only to borrowers to Wisconsin Y.'a ,vdi ,,u n
,. O.f'' N Is' i 7 _t , ,r:,t' ,, m ' .rrf d' tiorn_ . ul 70 f I..I... - I I" in TO 7 .. .W" ,. _! 011 , :1 I., :t.:rira an 12 U nVI
a
WWI-!
. ;rr? ?,_ . I ,, VIJ:,.," ."J;1 n" a w J
''
_„ {m 40 Via W _.n? rI:A" 37 r M _ ._ "W P. Wr. iwf-' N
.. .. .,,,f r.".. ..a ^I .3 •... '..tt ,??.ii f .,. ?C'r..I 1 r,-?. ,.,, ,?i t- .:f il.. ,!', , ..f '4i. 'f ,. r ff'.: '•.f. -t.'. .. ll.,..
FINANCE CHARGE f, .... , ,n 1 PA N '-40, 0 ,,w f. . , Vd s
f m. _narq,e "r: . E d , o" To n w ,.m xi _-. A f _. t ,Ill to
1 ,:'.d?.,.., :r,t_ , %I -uU , P& MC 01-MA. Woo !re Pon 71 : , 00A M o
nce caalc the „w; j bald -a ON <>._rf we your 60 r.pim in e ru.e
.11 CI`iouh_.r(i :,tys'r ,v•--a f,r 'I,. .lt:60 , cat-!:raba:u 1
of saw "M ,re "M .. Man am-no; , I! .; ,. e , tar d. -to dowance
Jul n w One Nonce ? I, fr L ..., la n :._ r an f i my-nim
news is:_! ba m2c a" _... .,t a u 1 t , _ „ , rlnct
?nl h- 's:? 1 mo :..). , .,tl"y.-lDrr .,, wsi n ry t';t •1.'?c C.?: r tlr:M;r,
ar. .. CS_J the rd.. r::._ r•.._ F1r ,U = mtFt, +=.. In,
,:-t?? ,x, a ••; r.--A i,re rte. r s.u, .i.-rrF.
SECURITY L1 , , :is " a - "Vs an a v,.aana
"Mr, , _L a: dA iC. , yal a., NI` i o Ar 1
r _ n .,rc f :..:f. ";o? it rr n,r a., a. cc, v., r
.r(t... Mi.. a f. , amrr .
.-r •. - r .. ?.;n. It , ,• f ,.I , 1..ss v„ r: The
following paragraph applies in all states except in Ohio. Rhode Island and
6tassachusetts: Wr T ,.r. " r i fh? ?I TO .• -00 W o M, fO w. :r d :,;+g. tl._
r"A WA ci W "V VA nu WW am ?? 3-1 00
. ac: i,: arr. a,..: o,• !11, rno ,ii i J + _ _ ;.tat ,.
?I?T ii .ca . hrtr, r .-al _,nr.? For all
borrowenu The statutc?yYHen antwor your pledge will allow us W apply the funds
in Your account(s) to wnat you owe when you ars m dMaull -r31? I , in w O
The following paragraph applies only to borrowers in Iowa. 1 al
aeon - Y U are m-art. 10 1,4 9tu m it-1 "ny n r ., t w. &I ,.d, d'JO t;e a
den "I f YOU do rc : ;'It, v am fh ,'_r , >I t, l-W so X Owe 0 Cb"ly
tatw a I, r-:p;alr a q lw V_ a gwe a.: _.r I, , _ .,Lay r-r_pcywhat you
Owe 4 1c r 'rC Pf it -
The following paragraph applies to borrowers in all other states Y wlt! _ n
dehu . 0 r! 1 00 1. '0e a PaVIOrt of IPc WI 1, tr Vis A Mm" , dare An w.iI
be in is `d •..: '.I L.,, .,r:.. ,;ny prom t you nat3 ir_ U^'.aar t r P.ar+ i,, if 3^,yr;{te ;s •r.
Je`au t un1'r a {r . mo r a 1 - .jr r 't n ar adlars UrdFr
:he Y Y?? Vii Cc :,t''d_.. _ \-:-t r. ti C 1(a `1iyt rt,.,!';icy JC J. TIt; il?()VQirt Il `you
,-.aW My 000 Or W,.„_nO rg nimm.; S:n,7n, o,..1 ,.p..lc.w,'1(?r:rd, rd C fyii:
rro -ton. or iv 1 „ {ws we rm _,L;..,w" W &W ;acr
abiliY , t,:ati .r ;n.. YOU Ie rt , ;iw:)n.rt4 ou hello
,.> 3 F lm'.'y ?" r ( . -. ow , `•vr " .:.•le n w" I ? w nw "1r s rT,cl%ar
."jfi I'Canl 17I:-... .a'..i?r, Ir"r,"n-f rv Or
Cur 5 .r •i rtm•, ,+ r: r t I:d':7 w inn r prT w. M" d 05 w - wwd!
or Ti mg ar .rr ,.,.,
ACTIONS AFTER DEFAULT -- The todowing paragraph applies fo borrowers in
Colorado. District of Columbia, lowa. Kansas. Maine, Massachusetts. Missouri.
Nebraska, Smith Carolina and West Virginia: t It , y u• t m. a.-r_r
r.;iirrr a. cf arty vim_ namw 'Nor"I [ :..,arl, 1 ,.n yn-,r t ta•.z. v. care
'jon"and in It .,r; .. 1 e F v:.^o
.-.,,
The following paragraph applies W borrowers in all whershrfcs except Wisconsin
and Louiavra w ,;, r_-f
The kWovnng pa"graprs apply to borrowers in all 6taA's except Wisconsin and
LOANL(NER" Credd and Senrnfy Grgdlt Rgreoment fcont nued)
J1C 17,. ^ ! tf J_r arrd tL;:'.r_ .E.-t
r S _.. 7 Gr 1r.1) l1 r.F.I?:1 j L" S O';. .
r- iry 'Cl
., of '% r
afire Ire Cre7 l _:rn ? nn,' Gr S on j pr _. rr 4lVC,
lfncems this mar
U51: !.) O .5a Ire, P a,r,, -,• 3 T me 'A-1
.. _ cw _-,0 11 t c t r=p.: a me ._T-.1 0 U. L. _. yuu a? <_ hat w<_. ^=i?
., .,.r y r ofr,.I .7o J0 ,saI niI, .a. f eri ?L aYc ,?? .,rn r?
-,,. „ ;I n,-. ,I rE'BC.' ftjle± I," 1tm -;!n6r (iropott. a --)V_Ir--r t',, I'
H reani6 t rat yC c.... I!,, prG ri ? ,... : Is rit'aC iei1'e'I C Per^,. L"!•,
c. ;n; tJ r'e,.:rn Iliar,,,ei!y or r -hr_ -, ave aI her } tt,,: ar
it '.ave noss'esslloq of 1.1 e proliert y a0. can _ it a'iJ apply T'le ^ racy to i
I)" you p.ae s V;e':.lf I; yea no C any ,;,,tai.. jlS O, . on If ! _ C7;'.'0 of 0r
'.rCf? a rn v,ite d!'aposit ;I' wi 'Lod. ( ,r ...()d"S,," '•7r lak. nq oc.;Le aInn of and
... p -rty v 1_ v? du . I,-- the :-ton v r_,rive, fain the _aie Those
iay r „ lade the C(,St .7f cg ?rte r0{'::! Ty pre t ,r;ng If r :lit. and tt'snEy
?J tY _ c 'ell e_rn n_ r _ 1i!e _I a.r;r„? 1 it tcy Cod''
„.rte. „ r. _ ??„r tha• s?,rtflu., '„ ..d , a lac ,n. sri=? n c.:.._y : v3 .rt af,::hC..
,rld-i ! Yclr .,ir.. , iG! r.' I
nla
the following paragraph applies only to Wisconsin, borrot.trs: yr , ? le
t Or.p )r ] :'.. ? _'der " 1 C
,:I' •r . r. .-r.J.. , I - , . ...'.,r .. ,.u.:1in? .t ...I°If , r•.^r
;ned >,_ •3, Jr l c tL r, rr' it n .,r ;.,l.ft'r CTCf .., rv= ?OtIF, Is,', E,
<r ,? r 'n a,
r3ma"
.r:,,ald a'tet the s?c ^nt :e•q ; +., t:,._7 :i.o6dc to xr,;fl y.;?j :? r c :.1er I,6 Hlan lot;
6 p3} aler C•SI O'I cnV , did anlJ.•rt S` rhG g,trle rate, 35 :ie Gf
of r: ca a ..r fa:,!t arr• C . •?51:d on lne kids. dun; unr , f la . s 1
t'0 pr-,,c.nY a r.?a.:: Giur_U NrS'?., 3t ! t.n,a ;.l +tat,,f_ r,:aket
0 •r.,.,'a
rho following paragraph applies only to Louisiana borrowers: VJhc , 1u art,
:,,e can f?n4Jf- In•.rr-'p.iyme iac<Blef?tint:} of the rri C t_r'pc•7
.. 'lnr-'t .,;.dcr r" -an. i'su :: rt s an,, ' TOU ?a. 11dr G.+', -', _I t. r_a
To ace rate arri Ce celclu:on if rn rl oo a'a ayn'ect
ur i4?:,:
1: ir :e v.'I suit' ,:.1
1..3t 'Iprt r- _ ,_.,. I•_., ;t r3 ht: afi:- is ors .--o_ t P
in.r. . t a di, t ,?I neoiate (mT f s i:. ..' r o.ce, Tnc a _ 3I
_ l[, t. ,.5 r [ ... FI., ..,? L*•. ?rC. 1.:11..1 t',-i. .1i ,!":al .. l:rf`
ixc .SE: } ?. '8a , .( i' s?ivE ,l br• ;r .. r',8n yOC eft I^ (loin, t ?r1:1
hiss .,er ;.n., yo? -.a: L us
CANCELLING OR CHANGING THE PLAN - The following paragraph applies
truly to borrowers in Illinois. I :,e t rig, I .i a. a the ern; of t,a Flt,;;) tton,
r I. . tq .. , 1T.an; c I••h..,:! n'-y,.lttu by clvv I'V c frq'l . r
_5f r l e r l_f
The following paragraph applies only to borrowers in Wisconsrn• V.e c
c car . _ .r_r=s _ , lire-_ „ r cC;r ..n;... . t 1
r_ .. C. 1.. S•r v of J _ .l. Ile of -'1 Ir`Cre!t
.. y r'•. r a,n I r?„¢ rr r ?t r;7
.t,;e , , ter .. I r.l -.el I r +r,re F Idr t Lai' of e
I __ ..•r .. spa _ ? ...:n:,i . ^,,.,r t. I : '+ 1, •.. r ,:,
The foilcwina paragraph applies only to borrowers in loth.
v x
3. flit ,:'rn3-_. e t 'I'an
I?3, _ .I ?.,..ly La __ ,' 1-; 1 vc , wr. .' try .Y•C _'d;,? . r , ..
r ,r .. rrx l nr" .• r. . r of .r. Pl:ln ,..p.r_.
The following paragraph applies to borrowers in alt other states: .., c
It _ if +.n, , :)`tor Fly ,.;u .
Tree followa,g paragraph applies to alt bu! Wisconsin borrowers: P I • d r.
DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN
t:b=:• .. ..+_ rc... ,i,r .'III _:e-r..,r + c.nl r ,a n
eg-)' cpn _er , es `f 7r_- -11a, t'u, Pler
CONTINUED EFFECTIVENESS - I ...i; par, t. e: ,ilea ..d try o : art
Dr rceanitt'o r .I wril It; :.n 'c 01*(i .
NOTICE TO UTAH BORROWERS -h,s wr..,c or:f cr rit; ;I fir;, x re<_._ i of
agreeme-n! }:"tlv. ?n } avid !I)r, ;re=J' hn 1 - { .:?rca' i6n1 ma, rot
be ,,Mr 1J-.;t01 L e:i'Inn of ary ra, it", r V e n712 11
f.
The following is required by Vermont taw - NOTICE TO CO-SIGNER - YOUR
SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE
FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY,
THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU,
The following paragraphs apply if you give security in connection with an
advance under the Plan. They apply to borrowers in all states except Louisiana.
Louisiana borrowers will execute a separate security agreement. Borrowers in
other states may also be asked to execute a separate security agreement,
THE SECURITY FOR THE PLAN - Ya: y tie ws .Stl ev a y a se..ri'y
LaTef i5I ;n all ,, ,le ty do .rrl od n 'any njcclt.. ,t Lime( docwna*)t vc
reck e t,?r un : Adcaru v') Tfe JF_., Uf I, iioI _: 'ycu yInvlud:a lit;
..:;:e.ssr.r:? iar.c y?_, 4ng:: n;h ,are -u . crr_c n t..<.!ed ,r. tte prcFrjrt;
Of If, 'r'ot t re "1E. S .cifiliy it r0• 1r; .
prr:=pr ry r'l1cH w z _ I o ,L . :n' A y ._ r',er : _s. fenrs'als
bl r! 3I C":i1 •,r hC c?1a...v It al r tl y' + .. ri-C , .J?1 .,.,,'.' .,.f.TY or I i:1 it . `:.,'I :; iC`;:rf r(1•:rr,,
. ea flj l,,_. 'o Iv tr;, nit, ..,...,•r , ,, do.0
WHATTHE SECURITY INTEREST COVERS/CROSS COLLATERAL PROVISIONS
-T"' _ecr;rity 1. rr••?,rsc,,. uc; L.e AJ,ane2 ri. •d:•:a: u: rzel„t ,,,..n;;: e, any
"o.. -I tier rr :I r. `: JI, .= at Inc tr e of tr:e . f:ar r.?r :, • , ry e:,:r rS n; ten ,liar
or re ,r...eiCS :J Me .,d.?.:r ue.It also secures any other advances you have now
or receive in the future under the Plan and any other amounts or loans,
including any credit card loan, you owe us for any reason now or in the future,
I except any loan secured by your principal residence. I r ,: ,>tcr,r•r?y is house hold
as ct f !d t.y the fii'clor,,rl --Ioe CGrtie iSS:pit t'•1r R-a "rl?„ Pul._ , n
ptlj(,t ty v,n1 5. ufE aniq -ie Cdv<an r.:.n+; rot o lr
OWNERSHIP OF THE PROPERTY - Ya.l pr.. tse'tAt } u a y3,r
,live n_ E aif=tJ or if Try•? /". t: aif ;c'p 15 .?! hay tC , (t }}6!rlV 1 a: ?I OnI'..:. ;c,u w,, Use
me .1+Jvawn for lhot I';url _+. Ilia promlSC- that no una „r I iwy ir:terae,t Ir cr
ctalt ar.r nSt t e propCrte - at yuu * ave nGl a'r taoy •.I,4„ . t.,.mt lr_,, promise r.c:t
to se,l or I0a8e tho rtropc.rrty or 'C Lb. 4 d5 se.-..frty lDr a ,,an v ntr --it r cni:1:1ot
V nail '°F ?,C. of .r s 13:1h Yon VrC [f >e }' .1 N .I it'!i.v r 'rlher bCi;J ly .ntel'el.! ;.a
r-en to IO the prep. r y "cal rr)f law
PROPERTY INSURANCE, TAXES AND FEES - '+ )flat , bi c :,r ,oGr:y
,ill ,c., i:n al prrgw rf °It ;Ou j.,r 1,1' ?C'.tl ly .I'uti • , F'I:,?i_Y,-J fr3•, r .tJ83
e. ?r petty in.,.aance fror r,r'.yar y'rj t) IhP
I jnx Th "l-no r ta'.;e or r trrlr _,,r.l r St b 'Kt e tG
r-i, e FI . rjrty i ,.r.. n;-+ t ra :.: ..t.ti r,ar ,I
hr6vyh c. I .l.a .ar'.l o:i}' j + `rr.: ; Ir r ,.n -, l cr. r':i:r
j ;.'oyut , t ;a_ a.."• -, Piivur I ie r ! Cr .), O: i 4f c, . rr I:, ".. .S r1 :0 7',
If y""i y..,rr u5.:r,a .. -.v C)it a r_!.. :e ,vf i _ re l,;nd S'i?
DrCf G ty 15 10". Of ' d { V-;3 CI, I n7 i-Tpa r The
,)roc. riy ,, III it k...rr, s gala yztl Y,au fu+ It}r7 ca en ,,. r, arey' orr,lt ar
neon .;t ,:h, n aq be c_?.g, o yak vr;S.:r iVf us ' c , •• ± :+-=y t _ cnr1 or br•nehis
HiSj f,r _r s*eL an% Ire; *?e
ut a.•r,1er yul.r in;ur,lrtlt ,r-,liCy. Y"_.
n<;t, IC'. (E'A? Cll.' S"1 ( f:.P ?itj
I. yG 'fir I(_ it ,h rd Or fro;-Iffwrl l 'l u[ , vt ,h'y
'Ay ;?J r ,.:;I r ,:)I r f nr?Ct 10 C' .+ n I C d for ax[
Ira )r 1.3J r..-]e_ ; .., 1110 , n1)ala
`.fer ?. r, I1:?5 It 1 :.•
__et i]a,rn.Nt , , t., ;jL" L.S'Lti,
.:.r r'>an;a the fr ny ,sir y :, an<7
:tttf ;,,,n t:r"'r ,Criin z r _?r I_ I '31 agrCC'1 _rl,
:r lr r 1? J t ri C I r
',1? t il. fanc _D pan, , , : rrr.rr1 ..,, an. i Cf. I, L; :aitGl e
If I' I r II old , r I ,r[ I I {• r1 I ?.? I? I r= r -,r o
r
e7c1° . +. ? n mo I in :I;{n t a;-I,,c , a '
INSURANCE NOTICE - 11 yr u rya cT r... ,:I ,z . V I l rv;L , ^&ta ,'
. .. .tr:v.'n.:y ;..I ,t a, ,; .'-'I t wo yeii lo, v: -. ui c ro. D).-.
.,?oru- 7!.c {.r r , the :•?,u f 1;:: -1,, oc r r rs.
n;Ile r . , r ..a-'h eel The insurance will not be liability insurance and
will not satisfy any state financial responsibility or no fnull laws.
PROTECTING THE SECURITY INTEREST - If _it ' ;t•: ;.; e ,cr ti
t
,.;alt ..,f le,? ' I .« . " ., l_• :.,. a , ern siy?l ' I. ?- : I,. •. ',r v rcL,
,,. n L, r ., Z.77. _. r? I.. ., t r •?rid
LCANLCivER'.Credit in,- Security Credit Agrv ien[ (continued)
USE OF PROPERTY - - ' `• .rr. f ,m± t'r, yr,;; prOr r. v.
ssf r e f to `.ny ci
)ter Us Y. U ..? Or.; ,. f'f2! `?! y ur A.7 Sf; 5....
\ .. „? ,o _: tc' n :+ ,t;e 'y i5: Prc r , y ;;rF'y us ! t'.:e L r.,p?-I ty .,.^'ageC
•,ri,',-
NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE
Tr.E F. ^, OFi Et:'C!_E `?11S h :i;ACTION MAY 3E S BJE -7 TO
_P_SCES N .F IT E Fv ,:h I SC,3 O O!.'FJtJE ELSE
R ..I'.•'i?D'.h.
AN_, :lL? . ^,uN 5 .»F; lCi He H7 -, AP N"),
f-.'S,.Lll YJU ! AY -i4VF 10 FAY :1-E :)IFF F aFN0E
NOTICE FOR ARIZONA OWNERS OF PROPERTY - it a :''I fsr qir„ t, fad
7 fi it n;f,.ar 1-al - ect i-:r=:: r. v lot v „ .rol,- , tflu!y i 7f'or
J
r.Ve re _ ?a;) of dt. ri ^I,C F? V t e ^.2/ t tJ !!`e avidress v,;,
"Dare SS C ngoe TI e rn-minor.
:c4 1. fda,_f, ? for -, IC-!rr n 7tGr _ . ; ?r n ;-C. , a':d x 3
C :If ' 156,000
For those members who purchase a Vehicle under the
DRIVe Program, please review the following FTC Notice:
NOTICE
ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT
IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH
THE DEBTOR COULD ASSERT AGAINST THE SELLER
OF GOODS OR SERVICES OBTAINED WITH THE
PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE
DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE
DEBTOR HEREUNDER.
?Nlli-jj; 111AIRZ??M KEEP MIS s FOR FUTURE USE
1Y a.?'el; _ C, r'a''1, If c :, rLan n „r ,,_,.? l 3ut) - I y ,IS a ,U (.: ra-"-y---nc G'.1ili?'S A'i ,.v ;07,eiet y'JJI rater We C3,11101 try to "oileC dny tl !tt.L'1', y0J quest!on ar sport
_,?r the Far :,'reci Fi.• q G.... F'?IJ ar- 'u 5,.tll T', rC :.f y„ur ,aqn:!, y d:a'1'v^t y'ru as d6lrquent. We can :,nri 'n st-)7 .ir.1,`T -I's t., ^.f: tol t °n. amcerrrt you
ill r ,ait v. ,. r a-Y _Ir,?r ?tCrt ?:i ?ic- ,r t.r.aull t,Zrd if ,1l bdr SG_. - gje%tr, .r_ nctud ry ti :are:: ill 11:2_ a rd nc can t, pli aGy un(ati nm );,nt AgA lt_t pour
NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR crediturmi You'1 1 ia% ;opigt'ir a.sti=,nea f^,oun ofilu'Ao tie nvc-r?tiGaung,
STATEMENT if Y. Ir s v,,u . ,.it.. t, s rn it y :ci ,rare il, Ilnpgt„• , but you are still t -Lived r iy !I;e t., s o` your l9tr.?nl 't ia? are lot n q,Jes:,cr._
On y;;ur S .?-•"'."t..1 re .,5 pn t Sficc-f at 6 . 1Clr&ss 'l we '•nd mat , .nd J<3 a +a,sne , your t3 ,_ ,lc t,: ,,-7i t -r is pJ; ar y
t 4o,! v_--f Y(?,, fk. .y. 'f !f v uz, in I-",. I Z !,i (:?{? , ?drariCO --r-arge r .a, I,; -i,y (Anne 1 !nl,. tai 1'0'.1
yr g !ne ezaa . i+^or: n :, _L. ?'!'Lt, 2 aer tr r?^ Crtor _r pr:hrOrT r'2ay t.lafe Pa ..y c?1?? fs'u7 you 11 :.I t, e up c`ry r ?'•ro
I '.,f It 7 rGq jI a ary I i ,[3 i isn i 7f 0 le 1 10 r r'1 pg P 1yr , 5 'n f r r?[tt tJ 1 r .i: r , ,..? F:fc='l+pnt
r ... , Fa ,,, ?c z ,i!if c_ I , ,CeC_ , Lt CC (. a r IEEE ,,pr, Iv fur Y,, 'late 4 '
.r... :la'it _r r , r.Dl: rl ^.! !? , ar•; ,.ro - c.;.:.rJ; a.t,., ?:n y .,r f. J1. kf y'fo. _gii t? flay vi,. ?..-you t i_' v.a r l.F
i. '? ,, i .r< '18. ??inc; ,, f,'.I r r,ow.er, ! our c.p6.,:,a;it,!i ^I,I ::,.h 3fy y,-),. , f:, ; ,. .r :.., w w.'-In ti 'Jay„s
r.. t.r r Tn >tlin, s ,_et •t r l ., .. rJSt If- r -p'-r' : bI Mal (C-J
:avc a que';tion 11) J, Wt nlu5l ?i.l , u fa" I, d n^.nf!
., fei;cfti y4... t, ..,_ n,ua .31! ary,n0 i.e re,., 't r., .[!I hi3S ,'S'1
]?n,l 11 J c A7rJJrl ul.,:•f
S„1) b.I'„011f a .v1t:11 .. J':y :?.
Ile ar "171- Fl!
?r rf 'l, r j Le , air -,n f;•nrr
q; 7 f SJ! C"_ l ,.,, .....r. 3 'la . U! ii? C IA
.. .... f [.t _?
e "?.i T ,t,l. ', E•: ?O Vr. L_,"'.•,:'? ;iih ._ ,rt;•?bl. 6.,;03,. t,. ?rr,l '.
o,i c.' ""i,
YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR
WRITTEN NOTICE - Vic, m'.J _:r ', v; c lour ;, cr ,;,,` ,U ?a•j? a Ir-a5 :?=
why Def c e 1 e,t f r. i. v: _ _urrac"•
i Ag _ t f. Vorjs you t:r,J your rneai earth ano ,-0 n' •hos r,i:- aipl.'y
-3a,.riahcsgm, miss <-_e 1rxI Card me,rsttiaVts!(.re;! f Ira,redaly
?cr J..'..,_-s i. is t„n„1t-i_ .. _., e. Account S'y'O',:r VI_r.
r ... , n. vviv, tJ S. We, cis, i;1 ours t e,, _,rt: l)'1:.:1 {?.
1. RESPONSIBILITY -!I y.e yr iqr tc r ;J !r
c 1.911:» l .r, 3 rir , 1,,.' , I ...:J(;:.i.,Gju 't
,, ale r U',.ciUu? •_If r;.dri 1. t .,r Sr?I. y'.,r Sr OL 2 and n?rr cn,iiri
to v.tr01, y „
r! , vi:: !ms i Lc ,It _ >cr, . .rrd r,c ,vi3r
a ', ._,^ct, . 'r.1 l.s, r - d!: " .,?f,nt for . ,. :artsac l d ya.r
IrgLr an_ 19!? .-3117. u, 1.1 ,ta=].h,; liG dcccjf ,. ,-F•.r:r. C.,;d'iUC
•.tgr L..., rt 7 "I . Or ,L(. ,u0 , Ienl 'G ,.'1 Ch we X,•
- r rr ;1. dlr< i I ?F..... - ie : JiA,, .r r..e 0 u'
'ar
....,.'r d.F..a.l ., ...
2. LOST CARD NOTIFICATION -- cats r,,, F,
. ,. it n ..• c to"? a.. _ ..i:?a ^ b,d ?ltt_
3_ LIABILITY FOR UNAUTHORIZED USE
•_Cl. i _ 3 r .,.
, r
d. CREDIT LINE - ... :'.c :a ..
<. J n .
L
it c.,e dnr Aor lhP•s:,
,"Cf! I y_",r str :n ,,' w? n[rct_
SPECIAL RULE FOR CREDIT CARD PURCHASES - r pi., nree ': m-'-:;:ern .pith
of W .:aurf: ,, .,2! ire:; rt you p?r_ :.rradi::!Id. ur:d yeu
r.gnT rot it, pa 'y _ r i' ".a arlctwl' ?t16 r" Th.., ,?r ?r ::(:•rvice hi ar 7wn
i! ran, ,.,n.,l vo n, n...^ ,_ w!1`ur 1 r. ie. '." yr ?i ...,r, •n 1;,111 dt111 , E-a ::nd
Blew !,r ,i;anc ; -10 c<n a •.)!,' rt .v, 'a+; r' cn fi...rale •. , ., ,. '7?l, if -ti
'yJJ a. i iL.'.. 1111.. 7r `a a proper- o+ ServiLIe'
-"It, XV)f by Wt .,:IJI-Gi:I,,`I?'1 US r.,a,CYl f"llJu..l-ap,^:iL.CJ Iy QLrfr:.::Jit COflln Itl S'Q
or !:._ .1tf.ue.s. Ey g .^ _t `? a v,ritla::n r r .ve r 1,.y r rtr; :, y,:ur Cfa'Cji L1r,(
r 1 trine
cc,
,:; tire, or i :_od cause revGkG -,i card .t.,, form 1 ,.._ eomont. Gncid
lr'al uf:: to =nply v.dh Iris Aq,,, ?r1ur t r1 any .;,hc r a„rLi ;;'th
1., or Ur dC1VEf I r;lu iD 1 of Vr r IB71V. r1 Unt E. Y f ry d r. 11 rte :,ws
wg1 A. N, i' al r V fir 0., r l In,YI . , by a thLr , .._ aff , vr vb,iGd .On
5. CREDIT INFORMATION
rrhera,ua,nq r c; t or ,...?d?t__.._
r.fcrr .i,," '_C r? rr, a.I ,,,L ur.t, rt, [;rt lure it :; rnl t r .-1 .._ ., r. ,. ?'.r , r1re
ti( J--
6. MONTHLY PAYMENT re'e yti:11 -.0 y7u , i; a,C. 5t1;,v., ng yew
F?rC;' ?._ R,.'a!c?:; u' G=frF sl s 2a1 _„,n ane_u . f.. unr.. t C,':r, d_. ._ c.1 yaur
t. tr,> rr i ;:r , t aear tzC" unacr y 3,.r i, •,. ..r. t,tw E,?.?ar.??S a
! c TO,.. JC'a Pal r cr I,, f „r 1 f i r c rt:;c I i ;lli'a,
' end.. , ????rt, _Y:-_., ."wN;nu u.lPa,'nxr,rc.,?.,? c.p•,?,nl .:y,??:rr'L,:,JSIy
r! Ien_ :`nl lLM P3, r 2 ?" s )!- s. ,r ca,e [:}
12 i _ I c_ri ... ,ol i u5 l7 rr i,tt? IT r 1 . SJICr , [;ta
.-8(• l .,k'. a .B.Y" I iy "'.` 1 x 'IC,r 'fy, F;d2 f ?10
T.L,i F a
r...
Ursa Credit Card Agreement and Ruth fn Lending Disclosure (continued}
7. FINANCE CHARGES - i?J .,•- a ,,„-J . C F .at cc CO M O', u- O s:: f
o, ?i eq the'L3. amcJ of ine .r 6.ila -c c P_n > e, , r. " .v a n __ flays
of i ,,;r sate ent c n:,; ,S da•_ Omefv,bc, Now TAn._ ,I Pwch:ases. ann tuu
s_,_Pque l FIvrcha,es aom' ; divec the ar.. I:,?,t rr 6:Jr a.,co'-Ini w to "Q" =M
,? _, Charge &sn aoamns arc ...., ,wi a Fir m (A rge fom ;
hey a'a prJBCE , r'. your _ _- .
Purchases: ^re ." r..:y^..r' <...,.c it 7r"r?y ia,r-.y r he c. '@r?lyc d..jYM
x1 na'an ,c ;>ee e pn ;a!rc . _ -,v). ricbm-y me n < L_,ri+as_ , ' o llrrg ry e
Dy N e mont-ly per .ri, oorc- "I _ r ar wwg ANNUAL PERCENTAGE
RATE as a ? osea en t^m A'.=_'u
Cash Advances: lJ Ic c, + n r c s rr e
,3. ,..:s r:.nnq r?e m^ ,,ce a; !ie ^7 li fjec 1 L. rira
esp,.ndir•) ANNUAL PERCENTAGE RATE his ,......_..s or the Ar.....:,_im
Balance Computation Method
_11 , '..r F t. 4ve a D,11} .ri.i r- clia.a•r
,.. _,.al ors , ::a...J r!eiN -J.J4 o Al R +Les tPwa+,._ 1r', -a.,t;-;;nl Or
1 V the "atscinil,r,i .. . ;:D 1' 's il: tar, rt at: dr=.
rt, n ,nc e,me wt .ue _ <. Man we and t-1
„ o +, ?.A? r -I s .. in,(, i' _ P" I _ . ,*nch { ,
Ls cr.7 ar•'.t ,, "In
aw,re D Alan,- . L ,tear .+ ;~r _.I7 . n ,r r es v : a - 0
ca ., ,.i a 14"M4 onus Rme to D r L_sn. 0 Cash r- . a:c i_
S i, .:an7 by sa 7 JRa Rao-no ?r !. V W n:.:h My r. r Pre bI1
0: 0 ar s on ono, ' tha t ,>,_ :r c ,y; r U U U! eye v. 2 caw ,1t, r. D x,
' m a( r:... r.., ww r ay we , se t O . m . ;d"as Are M. e w tsm . I ig C;t. ar C-
1 - mt; s m OM n am l; n -e q In . segt M w" A t ?oar
rr., 4.05; o ,,. Jo"Jr r.,._„_. ; , _.d _ - ? . frt., o! .11 Jtb.... w o &1.,.f,t„ t e w.1-m ,n+
0 U &N at via; n om .t In my !v q .,e-:or,in !hat day ow w wtyr +q I).r,rler +s
i rn 1 v.a suc r C. to an 11 an ... worm ra yes or t 0"W"
n vii- utr-a -t , re an mI of Hr . Pu has. +r„:_,act ir.s that p-tcd Se yt,w
,i ,.edn- O t ;.t lay c,r n tarry 4 r :..Gus d -n trra D "g QAe Tr gm an 1, the Drr,,y
a .,c:rlce v C,-r;? Adv r ca `ei r chit Note: Cash Advances are always subject to
finance Charges and from the day they are posted to your account,
: ,, er, I,:. :s;` ea ,. 1"1c. , t_, Pre. on i,:. G s. n !
, a6, in e._ hn. i:hat .,r t. pw__ n . -ar
r.? t ?. •r, Curren r,K ?. U i'.rOU .d _.r. allti.,rrr: h111 _. ? l
wow
..cntrr, cae: ad:a•+ce :,, . and r w a mm ;.ur - d....s. {:wt .
t
,,r . ec "S "o 'rc I ._[m.. V> 1 U", "o, y D"! C •. ' , w n
1 ;oft 11 ,rttt'<u'
t "n 1 oo ..'. I no V:rl c.f stvmr <.nd . r.n,a . „ I'v_ _a p w
_:,,e .nv• J ,. , -neat _ xA _. rr,. ,
r :Gar .o o., , at_. izr.t ax!;,yF. 1 Pima
E. DEFAULT
nn- _ t_a to mansf,:I
,...e Me n c:n, r ,.1 V So o r ;P u
., .:. ae 9073, • .,,u e .,-r; ., I_ du., a by a r Vic. I-, y. ,
r'I "'I. 3n r r Ar- .:.O.y. 'Jr IVcr nzy jlr.,+, diI 1
r
,,n , ur ,-,r i Ai;dC. ran" ,I Y. Jr
9 %WG THE CARD - s n
r .ta .. ,.r...r,ie,r • ._. , -:J to _ Ie e :1:, _
pr. , ,:a (?, cr -ar I al -
.1 , ear
Nl?
jr) .r Iltr:- r L"•,. ,r ,.. r 1, of L ;'.r !n,, ,cf that
' _ _1.1 ?. ?_ _ - •n ... r-?. .?I _ +., ..-?{ it _ , :•.,! ,r?. ':;I ? r
l0e + rl e;&tn d
:.me of !rte ;rar, ..t'.7' =h u l?r to t'•?r - I'.c a.:? y ,._ < t Lea -., , -,rt t, r.ir_r: may
nnek.- c 2asor?.,+e .? arc,e ?ur pt-.ot .?p ? . Ut _ P.> ;?:-; ca?.e;[
10. OVERDRAFT OPTION - F y, ..IV M "OWN to vow PSEQU . ;a GW:
Card 48:Am ,,n 2 ;object M ME e 5 mg cool nr: Wd agree tent it GP45UN
i
im the cum m ban pay M t" hme of me memo! 0, to umtelm Wit a-)
cverdrtt wdl be cons:derea Me same, as a can udwon n r ;u+,r PSECU Vitt C,recr
i Cara and that c cow tt Annua! In entactre F;,. •'a, :. , ,., _, ; b w apply
It RETURNS AND ADJUSTMENTS— Met in,, aw rr; "cc ' 7rcr me cart
,ay Ive r_e "m -•iJr. and Qcr I t u?; -c' my do w -r. 7,n is ;l
reo. . v p Am n we w i F to Y? ? a :,c men I t.r nw: am ,-a'. , rtr.
i exCr ea what you Dan us we a, I r-t-_ IC:ili, p th t ._-,., KJ't Fi :T&A h,
'Nor Si Snaps no ." :?y:' i1 4 <:l'mc , r. -r r -, ww" ,,;;fir
anr;.n r cues. we 'dl n !cno vie rc :a+u
12. FOREIGN TRANSACl1ONS - 1., c,rf ., ,,t c.t _ .,,f 1 ray,, ttun•1
C=Wcyar-0We F,'Iltngsurarcy,;:C!ri,rp,uSes,n;?:nt„rr._ ?n,p.rar liev.C erdl0
sBffl tea by Vjsa ir,m'her qc of rat 2hl n r torten irV,tS f'r the
appbrable .eritral l.rrceas+n l Main „ IC' Mty 'ra', ar. !rC, , M`. ri:.e TrSa ,eelr
aui, , or a y v rn Ta 1 i c1 w n e r rr To ql; ? vb-? r r .ra Drrx e wln?
,ate Ir eaa in, ,: v..,- all rc W t r r My be a ._ ., e.: a We I SA he in p M
oy b a. IT z tr I, Ono t nr the r a tea on , i t b n: es ec r a', j
.rxra::_.i-.._,,A ,io P w mcrrt,.,r.:_o.. lr Was cm_rc cawyM no can man,
11 SPECIAL RULES FOR VSA PURCHASES - v ; _ 1, :aq e- x hnJ an -error
..a,, a L a trar , ctt•„ al We h w ,cie;J rare r, . rr,e I .''- em ,titn th,.
,.ter.. "am W w ,a<.'(1es are tr r. .,t cI ur '+.+1,'r. ra;^.?.I use x .nor
14. DISPUTED TRANSACTIONS -- Y;,,, a r•:q i _ L':.U :n nnrr
bU C.:• . n,. I In !::Y'. , C', we . v.' m - 'l "o -.:.I wr
or pr fm: a th., =I e l ar_; a a m.. ,-:,L} or a _ a A,r- r r° • or
aw ncmw K:rlmmg f SEC'1 can No rr •,ona v s oe r Was Tuj may
qAA !o pow n us %a, cdc„ r is art . .u :._c mw e cl;i,I'II .-I
,
4CV&,ar1 yrt; : ce IRM;wd to '.._ _, r.' a •_,LT t, C_i-„Nmrg the
detains of your d 6PfJ o L .a. es, of h:,.x,...on ._.r!r ,t alurenu :I a
1 ^ots..ed aNd r. In ;,one i;__ we riay asK an to „ :K 'tut C gw1i
,; we to ^r'.t r^ ..-,e 7m M we ft11i .ir,t -3<.r .'li.n'w ^, Itie f 0.10 VUu
aay "m rEs.,onv e 'ar an 1 , c.: -r, SEC., I ,:;t ;::ht re !c
_V+ct c. Jpute t r rt,-r,. vs set WM b w Visa.
15. SECURITY INTEREST - To n ur•;; yaw c t n ;u ;c., i : ur
"y .>ac:anty imer?_st ,file. trxe lJnltorm Corrn.:r: ,t r:nde : ',p goat, ,au
Or1s gnarls c mh Swe not beat ,:,:aid lo r wrr,_I•J X r 10 atrcn at ygt r
P-Ayr : n,s 'n th _ n w n . ,.a: gad t me W V4 Pays on 1 , Wh res,,. _t to
no 40L,J-.t C we :+I- rt as&ert 'Iriy At I x:),y ncll . ;. r.haj me I yt'.o an? i?
.,m.... t'pre" n, :Ic(n! ,Jr'lo'. Je^s L7[p.. i ts)
.:flo.. ;ht. erq),l . Ga!,,ice • or, ,:J :,'r,), EV,,'f .. or _., JS a
5„act ,eye "'' y°_r s no ut'i r d._re5 i_ (.:i o gM Me Pepe rI
Sores Cr her.,,f?, 'I any .'t'ier <r l,:nf•r' ant c.W J m" n y no Acunrtt
r
w tm „EC .a r' yr><rr rle J d in
l-os ,,h:;, se .r, y . mow's, wr r{v, ':x ymN r or,
l 16. EFFECT OF AGREEMENT - r: Agrt r pt i • s ;o
o tt h "mu, Ir v ;a o b•1"r r:1, 11 Or
?!n{' opt yC ?or r N ewo m4 U"", M"" .t 9", _.:'0" the
` nerd lm ,mm •o r hy ser •1 you r w . ,1U, a-'- , t.tc'. r ,, ro "qwr 7 ny
aw ::,lr u r o e coo n r:for a : macaw Vow -;ill, , w 10 r, 1 ^fl =_"IS
To L1: .+..
17. LATE PAYMENT CHARGE - Own Lh ..rt h : r • i r .. r +:•'1 _r!?,,
1 v,e i°.,nt ` .,I' n ,y:ur
18. RUSH FEES
19 OVER LIMIT FEE n a,r.:', J
21 DRAFT COPIES -_ I'(- "I
21, COPY RECEIVED - •;: r r: ,
20 ILLEGAL TRANSACTIONS PROHIBITED -'r °;rr
, r r
23. NO USE
N. NEURAL NETWORK SV e v ; _..., _ rx Y. , oxv a'.':
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EXHIBIT C
A,
CERTIFICATE OF TITLE FOR A VEHICLE
Illvf
497
-? 0911,799990115201-001
"i 1GKFK66867J296235 2007 Gnc 164289291701 DA
VEHICLE IOF.ITIF:CAT;CN NUMBER YEAR AIA!.E OF VEHICLE TITLE NUI.IBER
rW 0 2123107 011110461 0
:) BODY TYPE I CUP SEAT CAP I PRIOR TITLE STATE OOOM PROCD DATE ODOIM. 6111 FS ODOM STATUS
2/23/07 2/23/07
DATE PA TITLED I DATE OF ISSUE I UNLADEN WEIGHT GIVR GCwFl TITLE BRANDS
T r
REGISTERED OWNER(S) 4r (TTZ ?Q??r j
DONNA SUE S DAWSON''" _---
4082 REGIMENT BLVF
ENOLA PA 17025
FIRST LIEN FAVOR OF.
PSECU
SECOND LIEN FAVOR OF
ODOMET:A STATUS
ACTI+nL i.TLEAGE
MILEAGE EXCEEDS THE MECI ICAI
LIMITS
2 . NOT THE ACTUAL MILEAGE
1 = NOT THE ACTUAL MILEAGE-ODOMErER
TAMPERING VERIFIED
+ • EXEMPT FROM ODOMETER DISCLOSURE
TITLE BRANDS
A = ANTIQUE VEHICLE
C CLASSIC VEHICLE
D . COLLECTIBLE VEHICLE
F . OUT OF COUNTRY
G . ORIGINALLY MFGO. FOR NON U.S.
DISTRIBUTION
M AGRICULTURAL VEHICLE
L LOGGING VEHICLE
P • ISAVAS A POLICE VEHICLE
R RECONSTRUCTED
S = STREET ROD
T = RECOVERED THEFT VEHICLE
V VEI IICLE CONTAINS REISSUED VIN
W FLOOD VEHICLE
X ISAYAS A TAXI
II a Wood Ilenholder 2 listed upon sallsfnction or it)* fuel Yen, the lirsl
ronho!der muss Io"OU this Title Io the Rideau of Molol Vohd#5 mill, the
FIRST LIEN RELEASED __ ' eppropnale form and foe.
DATE
BY SECOND LIEN RELEASED
AUTHORIZED REPRESENTATIVE pA1L
MAILING ADDRESS
BY
AUTHORIZED REPRESENTATIVE
PSECU
P 0 Box 67013
HARRISBURG PA 17106
-f-3
CD
U0
W
1
® I certily as of the dale of issue, the official records of the Pennsylvania Depantri ALLEN D B I E H L E R
of TranaporAlIon reflect thal the person(s) w company named heron is the Awful owner
al
Ware wa n.,1... Secretary of Tranxtlorlolion
TO BE COVPL?TEO BY PURCHASER AHEN VLriC1-E 15 SOLD A-of) THE
m APPLICATION FOR TIT,LE I I 1' 1
COMPLETED- ,
SUBSCRIBED AND SWORN It a co-purchaser other than your spouse is listed and you want the title to
TO BEFORE ME: be listed as 'Joint Tenants With Right of Survivorship' (On death of one
Mo. DAY _i YEAR owner, title goes to surviving owner.) CHECK HERE 0. Otherwise, the title
will be issued as 'Tenants .in Common' (On death of one owner, interest of
deceased owner goes to his/her heirs or estate).
HA STERLING WAIN IF NO LIEN, CHECK? IS THIS AN ELT? (IF YES, FIN REQUIRED) YES ? NO?
J
C
1ST LIENHOLDER FINANCIAL INSTITUTION NUMBER
?iST LIENHOLDER NAME
STREET
t--
CITY STATE ZIP
t
IF NO 2NO LIEN, CHECK ? IS THIS AN ELT? (IF YES. FIN REQUIRED) YESO VOID
TIH ,,. .-.•r,.s n.,•ur ^•a.: +xara,cn 1aalln,e.,. a T w r»• .encl. aes.?sro !
•um•. ,, tiro .n•. J,..ae:w:xa?lry.1•WnifeU[NI M•.' 12ND LIENHOLDER FINANCIAL INSTITUTION NUMBER
2NO LIENHOLiDER NAME
5*-VAZ Or APPLICANT OA IXHOTtIr D STG"ER i ----
5:5NATURE GF COAPPLICANT,TITLE OF AUThORIZED SIGNiR
STREET
C17Y
STATE ZIP
(TYPE OR PRINT) Cenifi,' of Title must be submitted within 20 days. unlGSS the pur :r is a registered dealer holding the vehicle for resale,
I? WAR N I N G - FEDERAL AND STATE C,11`!S REQUIRE THAT YOU STATE THE MIILcAGc IN CONNECTION WITH THE TRANSFER OF OWNERSHIP. FAILURE
TO GOLJFCETE OR PROVIDING A FAC SE STATEI>IEHT t.tAY Rt SULT W FINES OR IAIPRISON6IENT,
I /L r".tis?ea am ?:n::-eH:s l•?+e ::`.: `. -. •.:vt?e
: UST FIRST MIDDLE N.1ME
, r:. e?....sc.?3T.
IH ASSIGNMENT OF TITLE -
J
'{
L':".'e uri'y, fc ?ht enl JI my?cur b:owl8dy^e Ihal M.e edGr'.tbr rtading
6 i °L%S?rIEcS N^L:E ._.__
IE.41n5 i GO•PUPCHA SER
_ , _
_ _ _ X miles and %eYecta II:E at'nal m,itage d Ina ?eh¢b. ---- -
s STREEi
?:1r Sa .:'! of fhe Icllo?': ir@- `_.^.x25 is ^.Iedu: J" %J i-...
?
ReflECls .na if:uUnl J: mN@ag¢
Is NOT Iht actual vile:ge '..
?
y ?.
T
T
'
;J M BxcESS cl As mechanKal 4m?b ?, WAPrrnG O.eme!er dscreparcY I
ry If!al .ht :'Er?cl! S :rte d any tnCJml'fanC3 drld :ndl I.^.t 6HfR:3hQ is hereby ?
_
Ih
? __ _
T RCFiiSE Pn1CE
I: do;knell 10
l
pe'svn(sl ar IRE tle:l@! aSled. ?
E
? ZIP
CR DMI
SUGSCRIBED AND SvlORN
I _
i TO BEFORE 6cE
i_ MO. DAV YEAR i PURCHASER $
IC ?I.:TUAE
SIGNATURE OF PERSON ApAlIN15TE•1111G OA i H __
- _
Gr
1?PURCHASER SIGNATURE
I
1 __
_-- PURCHASER AHDiOR ?
" CO-PURCHASER AIL'ST
W HANDPRINT NAME HERE ____ ?__ _
O ,- SIGNATURE OF SELLEP -
a
Q SIGNATURE OF C.O?SELI ER
(- SELLER AND/OR
? CO?SELLER MUST
HANDPRINT NAME HERE
s .. a a.
. ,
bWe ceniry, to the best o1 my/pll krawledge Thal the odometer readng b UST FIRST MIDDLE NAME
TENTHS
__ _ __ _ _ ? miles aM felleuya the actual mileage of the vehicle, PURCHASER OR FULL
BUSINESS NAME
unless Ore d the lollornnq poxes is checked',
Redacts IM amoum of mfleage ? Is NOT the actual mibage CO-PURCHASER
_
_
In excoas of its mechonkal limits WARNING: Odortrelm dsmepanry STREET
INJe lunher ceNly That IM vlMide s Irea d any ervalrnbrance and Ihet the ownership Is hereby
Ir
l
d t
th
I ADDRESS
-
----
ans
erre
o
e person(a) or
ha dealer Nsletl.
- -
SUBSCRIBED AND CITY
-
SWORN
TO BEFORE ME:
E
T -
PURCHASE PRICE
- MO. DAY YEAR AT
S ZIP
OR DtN
IGNATURE OF PERSON ADMINISTERING OATH
- PURCHASER SIGNATURE
J - _
Q
W
? CO?PURGMASF,ft $IGNATURE
i
? PURCHASER ANOIOR
CA
P
NA
U ET
lJ
OPRINT
ME
a
Q $IGNATURE OF SELLER
?
? SELLER MUST
HANDPRINT NAME HERE
• e ?
@
e.
UWe cenNy, to the best o1 mylour krwwlodge Thal the odomelel roading Is LAST FIRST MIDDLE NAME
TENIIIS
- - .- X mile9 and reflects Iris actual nWeage of the vBNCIt,
r WRCHASER OR FULL
OUSINESS NAME
unless a+o d Iht following boxe6 16 checketl:
f? Relleas the amount d mNeaga IL NOT Iha equal mileage
?
COPURCHASER -' -
LJ In exwss of ila mechanical limps
WARNING: Otlemeler dlscTepanry STREET
UWe ludher cemty that the veNCle is tree d any encumbrance aM Ihal Iha ownershp k hereby
Iranslerred b the
erson(s) or the doNer list
d ADDRESS
--
p
e
. CITY
SUBSCRIBED AND SWORN ---- -
TO BEFORE ME:
STATE PURCHASE PRIDE
2N'
DAY YEAR OA dN
_ IGNATURE f PE SON ADMINISTERINO OATH
PURCHASER SIGNATURE I
J
Q
W
Cn _ _ CO?PURCHASER SIONAyRE t
PURCHASER AND/OR
O FVINOP CHTA9?palEAUST ?
ta" SIGNATURE OF SEL ER
L
Cn SELLER MUST ?
HANDPRINT NAME HERE 0
? ? ? @ a
• ?
Ilwa deniny, b the best d myfour knowledge INeI the odometer reading Is
UST FRRST MIDDLE NAME n
TENTHS
- ` _ _ ? X mAK and refNCls Nla actual mileage d the vehida, PURCH:SER OR fYlll [
-
M
d O
I
l
a
i 6USINEliS NAME
u
eas one
le
d
rq boxes
ov
s checketl:
ReRecls Ole amoua d mNeaga ? Is NOT are acsual mNeaga
i
d
'
OPPUACHASER C
n eacasa
Ns arM.
1larllr2( kmita WARNOaG: Odorneler r4smepancy STREET ?
IAYe further cerlNy Ihal UN vehMe s hee of any encum WarxX and Ihal Ole own¢rsl+ip is hereby
Ilansleme0 to me person(s) or Nt! tlealer listed ADDRESS p'
.
CITY _
P
_
SUBSCRIBED AND SWORN
TO BEFORE ME: -
c
MO. DAY YEAR STATE ??? PsN?E
LIP OR DIN
SIGNATVRE OF PERSON AOMMISTEMNG OATH PURCHASER SIGNA iURE
J
Q
W
(n - CO?PUPCNASER SIGNATVRE
P
? URCHASER AND/OR
C
? ? N .O-PURCHASER MUST
AIJDPPINT NAME HEP.E.
.`_
!a ,
F _ SIGNATVRE OF SELLER
? S ELLER MUST
H ANDPRINT NAr.1E HERE
EXIAIBIT D
PSECO
04/27/2009
DONNA DAWSON
4082 REGEEMENT BLVD
ENOLA, PA 17025
NOTICE OF REPOSSESSION AND SALE
The 2007 GMC Yukon XL VIN # IGKFK66867J296235 which we are financing for you has
been repossessed. The vehicle is being stored by: Richard & Associates, 3999 Spring Rd.
Shermans Dale PA 17090. (717) 241-5884.
Auction: Harrisburg Auto Auction 1 100 S York St
Date: May 21, 2009 Mechanicsburg PA 17055
Time: 9:00 a.m. (717) 697-2222
The vehicle will remain in storage until May 16, 2009. You have the legal right to redeem this
motor vehicle within fifteen (15) days after the mailing of this NOTICE OF REPOSSESSION
AND SALE by payment of the AMOUNT NECESSARY TO REDEEM VEHICLE.
Amount of Unpaid Balance (L10) $65,425.72
Amount of Interest $1,004.40
Plus Expenses:
Repossession Expense $350.00
Storage Expense @$20/day (4/25/09-5/16/09) $360.00
Late Fee $4631
AMOUNT NECESSARY TO REDEEM VEHICLE (Cash or Certified Check): $67,186.43
You are hereby notified that the holder, intends to offer the vehicle at public sale at the expiration
of fifteen (15) days after the date of mailing this notice, and shall continue to be offered for sale
thereafter until sold.
Any personal belongings left in the vehicle must be redeemed by you within 30 days from the
date of this letter or they will be disposed of accordingly.
Sincerely,
U
Jodie Ross
Account Advisor
Pennsylvania State Employees Credit Union
Mcin Address: 1 Credit Union Ploce, Horrisburg, PA 171 10-2990 • 717.234 8484 • 800.237.7328
® Moiling Address P.O. Box 67013, Harrisburg, PA 17106-7013 717.777.2100 (J.DD) • 800 472 1967 (TDD)
This credit vnion is federally insured by the Notional Credit Union Administrolion. Eqvol Opportunity Lender www.psecu.corn
tT1 b . Y A ,ry''ol?t
C3
p l;2nitied F?a j ? i I
C] -{ Postmark
ED Return Receipi Fee l Here
(Endo.semeni %quued)
C3 Restilixed Daiivw,, Fe., _-?' C g q? 7 ?? °I
Enrlorsauiew Requireui I i ,
co r-q ?
u, T` l irlllrwrlil1tritl`Itl'lt,lrl, I `??
DONNA DAWSON
ro' 4082 REGEEMENT BLVD
ur
ENOLA, PA 17025
t- 0 V 7-M ,: . .?MIM.
¦ Complete items 1, 2, and 3. Also complete
item 4 if Restricted Delivery is desired.
¦ Print your name and address on the reverse
so that we can return the card to you.
¦ Attach this card to the back of the mailpiece,
or on the front if space permits.
1. Article Addressed to
Ill ,IIIiullltttill ,ItlrLlltlti
DONNA DAWSON
4082 REGEENIENT BLVD
ENOLA, PA 17025
A. Sig ature
J ? ? A?ent
X i ?L_.L11 { (((,(-. ?y- Q7?ddresse<
L?.,{{Received by (Pnnted Name) C.Date of Deliver
a
D. Is delivery address different from item 1? If If YES, enter delivery address below. 0 No
3. rvice Type
Certified Mail 0 Express Mail
0 Registered • 0 Return Receipt for Merchandi:
0 Insured Mail 0 C.O.D.
4. Restricted Delivery? (Extra Fee) 0 yes
2. Article Number 7005 1820 0007 4182 0131
(transfer from service label) _
PS Form 3811, February 2004 Domestic Return Receipt 102595-0;
EXHIBIT E
P SEC Vi ?',
06/30/2009
DONNA DAWSON
4082 REGEEMENT BLVD
ENOLA, PA 17025
Dear DONNA DAWSON:
Your repossessed vehicle has been sold. The total amount owed the Credit
Union after the disposal of your vehicle is $33,531.68. Listed below is the
breakdown of charges and proceeds realized on the sale:
Balance as of last payment date $65,425.72
Interest $1,004.40
Charges:
Repossession Fee $350.00
Auction Fee $285.00
Other Fee
Late Fee $46.31
Total Charges $681.31
Less Credits:
Insurance (collision) $1,579.75
Sale of car $32,000.00
Payment
Total Credits $33,579.75
Total Amount Due $33.531.68
This balance is payable immediately. Unless we receive payment in full by July
10, 2009, we may proceed with legal action. If you have any questions regarding
this matter, you may contact me at (800) 237-7328. At the menu prompt, enter
Option 6, then extension 3116.
Sincerely,
c ara P?g ??ouat'A visor r
Pennsylvania State Employees Credit Union
Main Address: 1 Credit Union Place, Harrisburg, PA 17110-2990 • 717.234.8484 • 800.237.7328
Mailing Address: P.O. Box 67013, Harrisburg, PA 1 7106-7013 • 71 7.777.2100 (TDD) • 800.472.1967 (TDD)
psecu.com
Ibis credal jr- , federally -cared by the National Credit Union Administration. Equal Opportunity fender
CERTIFICATE OF SERVICE
I HEREBY CERTIFY that a true and correct copy of the foregoing Amended Complaint
has been served this 3 7d of ??" , 2010, by first class mail, postage prepaid,
upon:
Robert C. May, Esquire
The Law Firm of May & May, P.C.
4330 Carlisle Pike
Camp Hill, PA 17011
BARLEY SNYDER LLC
By:
Shawn M. Long, Esquire
Court I.D. 83774
Matthew M. Hennesy, Esquire
Court I.D. 307020
126 East King Street
Lancaster, PA 17602-2893
717.299.5201
Attorneys for Plaintiff
2991390.1
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
0F,Cf: E S-ERIFF
71 pp -0FFICE
99
tiU c? 'LP 24 N1 3:
33 L-ill0 C0UI`j
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
Pennsylvania State Employees Credit Union Case Number
vs. 2010-3923
Donna Dawson
SHERIFF'S RETURN OF SERVICE
08/30/2010 Ronny R. Anderson, Sheriff who being duly sworn according to law states that he made a diligent search
and inquiry for the within named defendant, to wit: Donna Dawson, but was unable to locate her in his
bailiwick. He therefore deputized the Sheriff of Perry County, PA to serve the within Complaint and Notice
according to law.
09/07/2010 Perry County Return: And now, September 7, 2010 I, Carl E. Nace, Sheriff of Perry County, Pennsylvania
do hereby certify and return, that I made diligent search and inquiry for Donna Dawson the defendant
named in the within Complaint and Notice and that I am unable to find her in the County of Perry and
therefore return same NOT FOUND. Deputies were advised Donna Dawson's new address is 7844
Dewey Drive, Harrisburg, PA 17112.
09/10/2010 Ronny R. Anderson, Sheriff who being duly sworn according to law states that he made a diligent search
and inquiry for the within named defendant, to wit: Donna Dawson, but was unable to locate her in his
bailiwick. He therefore deputized the Sheriff of Dauphin County, PA to serve the within Complaint and
Notice according to law.
09/15/2010 06:29 PM - Dauphin County Return: And now September 15, 2010 at 1829 hours I, Jack Lotwick, Sheriff
of Dauphin County, Pennsylvania, do herby certify and return that I served a true copy of the within
Complaint and Notice, upon the within named defendant, to wit: Donna Dawson by making known unto
herself personally, at 7844 Dewey Drive, Harrisburg, PA 17112 its contents and at the same time handing
to her personally the said true and correct copy of the same.
SHERIFF COST: $56.00
September 23, 2010
SO ANSWERS,
RON R ANDERSON, SHERIFF
(cj COI`MSUite Sheriff, Teleosoft. WC
C,Otfitlt of the Jii4crrr-f
Mary Jane Sder
Real Estate Deputy
Charles E. Sheaffer
Chief Deputy
William T. Tully
Solicitor
Dauphin County
Harrisburg, Pennsylvania 17101
ph: (717) 780-6590 fax: (717) 255-2889
Michael W. Rinehart
Assistant Chief Deputy
Jack Lotwick
Sheriff
Commonwealth of Pennsylvania
County of Dauphin
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION
VS
DONNA DAWSON
Sheriff s Return
No. 2010-T-2990
And now: SEPTEMBER 15, 2010 at 6:29:00 PM served the within COMPLAINT upon DONNA
DAWSON by personally handing to DONNA DAWSON 1 true attested copy of the original
COMPLAINT and making known to him/her the contents thereof at 7844 DEWEY DRIVE
HARRISBURG PA 17112
OTHER COUNTY CASE # 20103923
So Answers,
Sheriff of Dauphin County, Pa.
Deputy: G MILLER
Plaintiff. PENNSYLVANIA STATE EMPLOYEES CREDIT UNION
Sheriffs Costs: $49.25 9/15/2010
Out Of County Cost:
Sworn to and subscribed
before me this d Y' ' f
vy\
ylLrxj
PROTHONOTARY DAUPHIN COUNTY
OMMISSION JXPIRES iST MONDAY
JANUARY, 20
SHERIFF'S RETURN
In the Court of Common Pleas
Of the 41St Judicial District
of Pennsylvania-
Perry County Branch
No. 2010-3923 Cumberland Co.
Pennsylvania State Employees Credit Union
VS
Donna Dawson
1609 State Road, Suite 101
Duncannon, PA 17020
Carl E. Nace, Sheriff, who being duly sworn according to law, says that he made a
diligent search and inquiry for the within named Defendant(s) to wit Donna Dawson, but
was unable to locate him/her in his bailiwick. He therefore returns the within
Complaint for the above named Defendant(s) Donna Dawson at 1609 State Road,
Suite 101, Duncannon, PA 17020. NOT FOUND. DEFENDANT MOVED TO 7844
DEWEY DRIVE, HARRISBURG, PA 17112.
Sincerely,
Z4e
Sworn and subscribed to before me
this day of J, 2010.
Carl E. Nace
Sheriff of Perry County
•I L'%LWn ur rt1VNSYLVANIA
NOTARIAL SEAL
JOY S. ZERANCE, NOTARY PUBLIC
NEW BLOOWELD BORO., PERRY COUNTY
MY COMMISSION EXPIRES MARCH 6, 2014
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,,,, .._
NOTICE T PLEAD
To: Penns vania State Employees Credit Union
You are he ' by notified to file a written
response t 'the enclosed Preliminary
Objections der Pa.R.C.P. 1028(a)(1) and (2)
within twe ty days from service hereof
or a judgm nt maybe entered against you
By:
Ro ert C. May, Esquire
Counsel for Objecting Defendant
THE LAVA FIRM OF MAY & MAY, P.C.
Robert C. ~Iay, Esq.
Attorney I. . # 65602
4330 CAR~ISLE PIKE
CAMP H L, PA 17011
(717) 612102 (uhone)
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1
ANIA STATE EMPLOYEES : IN THE COURT OF COMMON PLEAS OF
SIT UNION
Plaintiff :CUMBERLAND COUNTY, PENNSYLVANIA
v.
DONNA I~AWSON
Defendant
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Attorney for Defendant, Donna Dawson
NO. 10-3923 Civil Term
CIVIL ACTION -LAW
JURY TRIAL DEMANDED
DEFEND T'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S AMENDED
COMPL NT ON THE BASIS OF (1) IMPROPER VENUE (Pa.RC.P.1028(a)(1)), AND
(2) LAC OF CONFORMITY TO LAW OR RULE OF COURT (Pa.RC.P.1028(a)(2))
by and through its attorney, Robert C. May, Esquire, preliminarily objects to
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~~~C~.;~ERLAtd~J COU~_
~'~'~dSYLVA~iIA
Plaintiff s~Complaint pursuant to Pa.R.C.P.1028(a)(1) and Pa.R.C.P. 1028(a)(2), as follows:
Preliminai~ty Objection Pursuant to Pa.R.C.P.1028(a)(1) -improper venue under the
Pennsyly is Rules of Civil Procedure and the Fair Debt Collection Practices Act
1. Pl ntiff failed to follow Pa.R.C.P. 1006 which allows venue in a county "the individual
ma~ be served or in which the cause of action arose or where a transaction or occurrence
tod~ place out of which the cause of action arose or in any other county authorized by
lav~V."
2. D~'fendant resided in Perry County when the loan documents were executed, as indicated
on~he loan documents attached to Plaintiff s Amended Complaint.
3. Pl~yintiff's office is in Dauphin County as indicated on the loan documents.
4. D~~endant suffered foreclosure of her residence in Perry County and no longer resides in
Pepdxy County.
5. D$~fendant resides at her mother's residence in Dauphin County.
6. Pl~intiff has served the Amended Complaint on Defendant at her mother's residence in
D~uphin County.
7. Tl~e only proper venues under Pa.R.C.P. are Dauphin County and Perry County.
8. Tie federal Fair Debt Collection Practices Act allows venue only in a county in which the
in{~ividual maybe served or in which the transaction occurred.
9. A~ the collection action is subject to the Fair Debt Collection Practices Act, the only
appropriate venues thereunder are Dauphin and Perry Counties.
the objecting Defendant requests this Court to sustain her preliminary
obj
s all claims against her, because of improper venue.
Objection Pursuant to Pa.RC.P.1028(a)(2) -lack of conformity to law or rule
of court - air Debt Collection Practices Act and Pennsylvania counterparts /verification
10. Paragraphs 1 to 9 above are incorporated here by reference.
11. Th~~Fair Debt Collection Practices Act requires Plaintiff failed to file in either Dauphin or
County, not Cumberland County.
12. Vio~~ations of the Fair Debt Collection Practices Act are also violations of the
Unfair Trade Practices and Consumer Protection Law, and also, the
Fair Credit Extension Uniformity Act, and are, therefore, a legal
of Pennsylvania law.
13. Th~lfiling of the Complaint was a violation of the Fair Debt Collection Practices Act, and
cor~~sponding Pennsylvania statutes.
14. The~~~lfiling of the Amended Complaint was an intentional and willful violation of the Fair
t Collection Practices Act, and corresponding Pennsylvania statutes, because (a) the
Complaint was filed in Cumberland County notwithstanding prior notice by
original Preliminary Ob}ections that the Defendant did not reside in
County; (b) Plaintiff served Defendant in Dauphin County indicating
verified knowledge of where the Defendant maybe served; and (c) the loan
attached to the original Complaint indicates the transaction occurred in
eith~r Perry or Dauphin County, providing the Plaintiff with actual knowledge of where
the transaction occurred.
15. The~~'ennsylvania Rules of Civil Procedure (1002 and 1024) required PSECU to verify
the ~xnended complaint absent special circumstances, as opposed to the outside attorney
for
16. The Amended Complaint was improperly verified without such special circumstances and
explanations required by Rule 1024.
,~
the objecting Defendant requests that this Court dismiss Plaintiffs Complaint
with
court.
because the pleading lacks conformity to the foregoing named law and rules of
DA~'ED: October, 2010
Respectfully Submitted:
THE LAW FIRM OF MAY & MAY, P.C.
4330 Carlisle Pike
Camp Hill, Pennsylvania 17011
(717) 612-0102 (phone)
Attorney for Defendant Donna Dawson
By
Robert C. May, Esquire
Identification No.: 65602
v~1~r~rcATrar1
the statements made in these Preliminary Objections are true and correct to the best of
my k~owledge, information and belief. T understand that false statemeats herein are made subject
to th~ penalties of 1 S T'a.C.S. Section h904 relating to unswarn falsification to authorities.
I~arrrson
CERTIFICATE OF SERVICE
I c rtify that I am serving the foregoing Preliminary Objections to Amended Complaint
today by f~r~ st class mail as follows:
Shawn M. Long, Esq.
Barley Sn der LLC
126 East 'ng Street
Lancaster, PA 17602
Bert C. ~VIay, Esquire
October I!!(, 2010
ANIA STATE EMPLOYEES : IN THE COURT OF COMMON PLEAS OF
SIT UNION
Plaintiff :CUMBERLAND COUNTY, PENNSYLVANIA
v.
DONNA I~~AWSON
II Defendant
NO. 10-3923 Civil Term
CIVIL ACTION -LAW
ORDER
AND NOV~f, this day of
2010, Defendant Donna Dawson's
Objection is sustained and Plaintiffs Amended Complaint is dismissed by reason of
venue - PA Rules of Civil Procedure
venue -Fair Debt Collection Practices Act
to comply with Fair Debt Collection Practices Act
j to comply with Pennsylvania Unfair Trade Practices and Consumer Protection Law
`to comply with Pennsylvania Fair Credit Extension Uniformity Act
to comply with Rule of Court re: Verification
David 11 Buell'
crothonotary
Office of the Prothonotary
Cumgeriand County, annsy[vania
7rkS. Sohonage, ESQ
• Solicitor
16 —39.23 CIVIL TERM
ORDER OF TERMINATION OF COURT CASES
AND NOW THIS 28TH DAY OF OCTOBER, 2014, AFTER MAILING NOTICE OF
INTENTION TO PROCEED AND RECEIVING NO RESPONSE—THE ABOVE
CASE IS HEREBY TERMINATED WITH'PREJUDICE IN ACCORDANCE WITH
PA R.C.P.230.2.
BY THE COURT,
DAVID D. BUELL
PROTHONOTARY
One Courthouse Square 0 Suite100 C CarCisCe, TA 0T one 717 240-6195 0 Eax 717240-6573