HomeMy WebLinkAbout11-0216J
ORRSTOWN BANK IN THE COURT OF COMMON PLEAS OF
assignee of CUMBERLAND COUNTY, PENNSYLVAN IA
Schaff's Home Center, Inc.,
' Plaintiff N0.2011- 021 ~ CIVIL TERM
:
C :r ~-.
_.rl
._r,, .~
CIVIL ACTION-LAW e ~ cc~
c_
~ ~~-
ANTHONY B. CIARLANTE, ~` ` ~ ~'~ ,-~-,
Defendant .;~ ~ r.~ ~
,
~..... ~} !*
•v
~Y 0..,J
:~~~
YFLL
~
~~ ~~ ~~
~'
... ~
NOTICE ~~ -" '` y
You have been sued in court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this complaint and notice are
served, by entering a written appearance personally or by an attorney and filing in writing with
the court, your defenses or objections to the claims set forth against you. You are warned that if
you fail to do so, the case may proceed without you and a judgment may be entered against you
by the court without further notice for any money claimed in the complaint or for any other claim
or relief requested by the plaintiff. You may lose money or property or other rights important to
you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION
ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Bar Association
32 South Bedford Street
Carlisle, Pennsylvania 17013
(717) 249-3166
~ 9d .OD Pp prrl
~r I'1393
,2'~a53533
ORRSTOWN BANK IN THE COURT OF COMMON PLEAS OF
assignee of CUMBERLAND COUNTY, PENNSYLVANIA
Schaff's Home Center, Inc.,
Plaintiff NO. 2011- CIVIL TERM
v.
CIVIL ACTION-LAW
ANTHONY B. CIARLANTE,
Defendant
COMPLAINT
NOW, comes Plaintiff, Orrstown Bank, by and through its attorneys, BARK SCHERER,
and files the within Complaint and, in support thereof, sets forth the following:
1. Plaintiff is Orrstown Bank, a Pennsylvania corporation with a place of business
located at 77 East King Street, Shippensburg, Cumberland County, Pennsylvania 17257.
2. Defendant, Anthony B. Ciarlante, ("Ciarlante") is an adult individual with a
residence address of 4 Lenwood Park, Shippensburg, Franklin County, Pennsylvania 17257.
3. On or about July 3, 2008, Ciarlante entered into a certain Installment Sale
Contract with Schaff s Home Center, Inc. A true and correct copy of said Installment Sale
Contract is attached hereto as Exhibit "A" and is incorporated by reference.
4. The Installment Sale Contract was assigned by Schaff's Home Center, Inc. to
Orrstown Bank and required Ciarlante to repay the money loaned to Ciarlante by Orrstown Bank
to purchase the mobile home.
5. The Installment Sale Contract was executed by Ciarlante in connection with his
purchasing from Schaff's Home Center, Inc. a 2008 Commodore mobile home, Serial No.
CG47626AB.
6. Ciarlante took possession of the Commodore mobile home at or about the time of
execution of the Installment Sale Contract.
7. Pursuant to the Installment Sale Contract, Ciarlante was required to make monthly
payments to Orrstown Bank in the amount of $591.04 for two hundred forty(240) months with
the first payment due August 1, 2008.
8. Ciarlante ceased making the monthly payment in October, 2010.
9. The Installment Sale Contract provides, in relevant part, as follows:
You agree to pay the Seller or Assignee costs of suit. You also agree to
pay reasonable attorneys' fees if Seller of Assignee hires an attorney to
collect amounts due under this Contract or to protect or get possession of
the Vehicle.
COUNTI
ORRSTOWN BANK v. ANTHONY B. CIARLANTE
BREACH OF CONTRACT
10. Plaintiff incorporates by reference paragraphs one through nine as though set forth
at length.
11. Ciarlante has breached the Installment Sale Contract by failing to make the
monthly payments due and owing pursuant to that contract.
12. As a direct and proximate result of the breach of the Installment Sale Contract by
Ciarlante, Orrstown Bank is owed the sum of $52,186.50 plus costs of suit and reasonable
attorney fees itemized as follows:
Principal $50,027.49
Interest to 12/24/10 $ 2,045.32
(per diem of $17.13)
Late Charges $ 113.69
TOTAL: $52,186.50
WHEREFORE, Plaintiff requests judgment in its favor and against Defendant for the sum
of $52,186.50 plus costs of suit, expenses, interest to the date of award and reasonable attorney
fees all not in excess of the amount requiring compulsory arbitration.
Respectfully submitted,
B SCHE
David A. Baric, Esquire
I.D. 44853
19 West South Street
Carlisle, Pennsylvania 17013
(717) 249-6873
Attorney for Plaintiff, Orrstown Bank
VERIFICATION
The statements in the foregoing Complaint are based upon. i.nforanation which 11as beery
assembled by my attorney in this litigation. The language of the statements is not my own. I
have read the statements; and to the extent that they are based upon information wb.ich 1 have
given to my counsel, they are true and correct to the best of my knowledge, information and
belief. I understaaxd that false statements herein are made subject to the penalties of 1$ Pa.C.S. §
4904 relating to un:sworn falsifications to authorities.
DATE: )- ~ ' / 1 ,., ~~ ~e
Betsy. Smith, Collector
Orrstown Barak
FORM PA23•SLCIRev.4/001 SIMPLE INTEREST
PENNSYLVANIA
MOTOR VEHICLE INSTALLMENT SALE CONTRACT,
~~t
ANNUM FINANCE Amount Financed Tohl of Payments Total SBIB Prke
PERCENTAGE RATE CNARGE The amatnt M ara61 provNed the amount you will have paid Mhr you The blot usl M your purchase on
the costal your credit as The dollar amount Ne
di
il b You or on your behaN.
~ have made aN schedtded NWeudt uedit incluging your downpyyr~M
7
~/
j
of S
a yeady rate. t w
l coal you.
cre /,
.
,
__
Your Pa meM Schdeb wBl~ Security You are givin¢ a securlly isteresl in the molar veAiele beta!
Na of Paymanh uni of PaymeMS Whan Paymene Are One rctmsW.
i mlAh. bepanin ..- )- ~ Pnprymenl: II You pay aN early, yav will not have to DaY a Penalty.
g yes t~l o0 35(os'7
fifty Faes: S ~4
late Chrp: N a payment is kk, Yea wM M tAarged 2%0l the pw0on of the payment which is hle br curb monm, u put of a month lreakr Ilten 1Qda~ys, Wal N renudrm unpaid
See bebw and any other famlrml doeummis for my sd~lonal inbrmalion about nonpayment, default, any rpulnd repayment in lull beNre the schMUkd date and prepayment
refunds and penallia. a maam abmak
In this Contract
we are / / JI
the SELLER.,~YG f ~S_,1g2ktTN..~~17 fvC~n_~~a._S~1~L?1 ~~sr~.~/. •~ -7~~
Name / Zip Code
You are /
the BUYER(S). ~rs}~ iZ eiwrl~ss'~G 4 L-GsrwdeCl SN~.~_]t{sS Ctra/~ /7~7.
omelet Addtwles) Zm Codelel
II there o mare Ihan one Buyer, och yromisrs, seDanfely and together, b pay ab sums due us and la Denorm all agreements is Ihis CanhmL
iMDE-IN: ~~~
Yov hate Indetl in
Iha Iogowing vehcle:
Year and Mahe Oesuiplbn
II a bahnee 8 9tdl awbL a the vehicle you htve Naded in, the SeLu wM pay aN Ihis ameunl oa your MAML You wsmnl and repnseM b ua Ural
say eadeln it 4te kae Yen, Maim, MkVmMnG H Yd9NY mwa4 atapL a strewn in IAe Nemnalbn M AmNYII Fiundd a Ue'lMl Paye1L'
PER1Y NI RIIIICE: Yow mry thecae i person Wosdr whom Nuarrtts it aMabad agaimt ba or damage b Ule Ydtbk and agdnM
As6Aky srisiy out of use w osmsrsldp MUN Vehkk. b INS CetanM, YMr am pruAsiaL b bRaelheVeNde aad Asp k imxed.
CREOR INSURANCE IS MOT REQUIRED: Crdlt lko lasemin:e and Gadit AcddaM L HtaRp (DipBLpj Amursnce an al required b oMain
rredil, aM wiN not ha provided aMas You a[a hdar Ud agrp b pay tM adrlNbtlM costlsi• Please nod the NOTICE OF PROPOSED CREDIT
INSURANCE on Ute reverse side. Your insumnce cer0fiab or poky wRl UN yw Ne MAXIMUM amount M immature eveihAle. AB insurance
purchased wiN be br Iha krm of the eredB.
By sigMng You select Single Oedil file lasumrxe, yyga(e your By dgMeL Yee sNeel Stn{N CredK AtcWenl 6 What h your
which coals S age? ~,-Ygrs Haph lammsq whleA teals = age? _ Years
Srgagure M&gerb hbmxed IerS'aKleCrede Accident L iledtlt Imerwtee
By signing. YOU both scree labl _- __ Wlul are Byo~nL~~~AgMlkWg W~me PercmU[e
Credit Lile lnsurancr., wAleh tmisi your ago? OcckknlAHea0.h Apuranp, whhh cabs- ymra~si to ha
Insured
IF YOU DO NOT MEET YOUR CONTRACT
OBLIGATIONS, YOU MIIY LOSE THE MOTOR
VEHICLE AND PROPERTY THAT YOU
BOUGHT WHN THIS CONTRACT, AND/OR
MONEY ON OEPOSR WITH THE ASSIGNEE.
Th•m LbMracl 6 hMwan Seim and EAawr. NI
dadmures Hte been npde by Sdet Sdkr
inbrds baaMDt Udf CoMnM b tlw Assignee.
Itemization of Amount Financed
Gsh Prke
~t~237. ~
Gsh Dowrtpayment
Trade•in
Value of Trade-In
S ~_
Uen Payoff lo:
Unpaid Cash Prices 6ap~
S
TaCredillm. u~ranceCompany
a
3 To Public Olticiae tor.
E lkerme, hgs std ReLelnlron
~ _ ,~, sv
~ Lknfee ~•-au
a S ~7
Z, __ 12 ._ ~S ~ To
Signaures of both BuYen to he insured Itr lmnt Credo life InauranCe Signatures al alb Buyers w M insured to ldnl c =
Credt Accident 8 W.aAh htwnnn
Ta
In $ _
VEXICLE You have a¢netl b purohaae, under Ule terms of this Contract, IAe 1Mlowiy molar vehicle snd its extra equipment, whkh is salted S io _ _~
the'Vehicb' in Ihis Cunlncl.
.RLU Ygaund;lllggg detils $gOX+LYIR tlg.liYl, TdiMA7gnTCagg[Ibt SAdgltiklapet AmountFinfn ... ~
EpMpped ___,AT._P.S _AM-FMSteteo _SSpd. Other
with _ 0.C , P.W. _ AM•FM cape _ Vinyl Top '
ASSIGNEE: Yh may aasl[tt Ihis Caalnet snd Sgwriry AgreMlenlNY seta fmaAa wmpemq whbh is IAe'NMptee." H lire AtMgnee assigns
Irte Contract k a subsegtronl aaignea, lM Nan age refers b such subsequent asMlaee-Alter the asfigntheM, ale righm ant Mufib of the
Seller in Ibis CoMrad ant in the Security Agnemmt shall baby b snd be enbrashle AY the Assignee. The Aulgnee wNl notify you when
and if Seler mopes an assignment.
CO-SIGNER: AnY Dersun si¢nink the CoSrgner's A[reemeM below pmmisa seDarekly and :ogether with all Co-Signer(s} aad BuyerAl, la pay
aN sums due and la peAorm all agreements in the ConOact Co-Slgmt will not be to Owner of the Yehiele.
CO.OWNFR: Arty person signing tDe Co•Owner's Security ApeeMMt bebw gives rrs a SeuldtY interest in the Yehkb and agrees sepenkiy and
loLeiher Ivgb aU Co-OwnerR) and BuyaD}, b Denorm alt a[ieemeRis in the Security A{recreant and aR other pads of tlds Contract estepl the
'Promise b Pay' section.
TERMS: The krms shown in IM Doxa above are pad of mis ConlncL
PROMISE ID PAY: You agree b paq US Ure TOW Sale Prig br IAe YeNde by Pwtlag tiw Gsh SECURITY AGREEMENT: To secure the 4aymer
OnwppaymeM aad assigroug Ur Trado-in,gy)plwt alwve,nababreUrdOdlhe Conlrad.apd required tshligahods under Ihis Canlnc, youl
DaYieC ut UM MwMFinaxad pbt ieltreM. Yeu promiR b atNa De1reNAein astadxa with the +rls leaded, atcesnsHkns'i atluhed to the Yem
Paymem ShcRble.Ya praMSe to sub paymena an ar tlMme am am dtYMsaeh morYlaalhe PnpadrulnEe~clhu Conlre Inagt,arosl~any~ol s
lust payment dw data You agree b pay all after anOtmk whicA alq Aeula dot node Bte teem inetuda any Monty WMcA is now or may to t
of No ConUad. Yee agora Le Day IAe Seger a Auigaee twsls M soil. Tou sea agree b pay gssitngg mg dg Ups wkhoal eR
reasonMde atbrrmys' Tea U Seler a AaiOwe Nra m etlomey b mlMd srwsds duo under IAe '~~
fartkxt a U preteel ar Cel paaubtt M me Vehida You agree b make DaYmme al the Wan ub SIDE Og~AT~p TO ALL THE TERM;
and Daymenls b tin address wldMt the AsMgna real recently spadfNS b Urc twilUn babe b you. FRONT AND REVERSE SifIE4.
By signiy below, we agree to seA Ute Vehbk b you under the tams M Ihis ConInC4 NOTICE TO BUYER-DO NOT SIGN Th
SELLER ~C~91A-S /16..n~ 1~171A -~-waC. I BUYER
Total
60
hymat gchadule -You agree to pay
to us IAe Amount Bnmeed pan inlereM k
paYmeMS of S ~ 7~ ~~
eat A, and a final payment of
s ~ S/. ~~~ .Toe first
payment wl[6e due on ~~~~Avi~
mA M due m mat same day of aCA month
rtdkwing
al aR sums due and Inc pedorauna of all
re a security rnleresl k the Veldde, in all
eat any later Gme and b any proceeds of
Wignee may set-0H any amounts due and
sr money on deposit with Aurgnee. Tnis
future ha deposited mth Assignee by you.
CONTRACT IN BLANK. YOU ARE
I~tACT YOU SIGN. KEEP IT TO
rf ISEALI 7 0
W
'~s~s~' ~SlU if 1BUYER (SEAL) -
'i ~Ia -- bale
NOS{C6 TO CO-aIGNER, YyaRCEE HAS aBEN G[VEN TO YOU ON A SBPARATE DOCUMENT, BEFORE
CO-SICN8R5 AGRSEMBNT: Yoo, tAe parson fur porsuns) signing 6nbw as •'C'u•Signar," promise to pay to us all sums due on this Contract and to perform all
agrcamsnu in Ihis Contracs. You intend to be legally bound by all she terms of this Contras, separately and together, with the Buyer. You arc making tAq promise to
indua us to make Ihis Contract with she Buyer, even shougls wa will xfa thn proceeds only Inr Iha BYyerY benefit. You agree to pay even though we may not have
made any prior demand for payment on thn Ouyvr or exercised our saurily inscros. You also acknowledge rctxiving ncompkted copy of the Contract.
(SEAL)
Co-Signer's Signature Address Data
(SEAL)
Co•Signer's Signature Addreu Data
CO.OWNERS SBCURITY AGREEMENT: Ytw, the person atoning below a "CoAwner," logahar with the Buyer or otherwise beinL aD of (hn Owners of the Vehicle,
give us a Security [nlaest in the Vehiok MeoliOed above. You yra to ba bound by the temu oT lht Seeurky Agmment and all other part] of this CnolraU exsYpt the
"Promise To I'ny" ration. You are Giving us the scent isy lalraat to tndumas to make Ihis Comrttet wish the Buyer, and to returc the payment by the Boyar of all sums due
on she Cantroct. You will not M responsible for any J~eiency whltA might be due after rcpoHwion and sale of the Vehicle. '
(SBAL)
Co-OwnerV Signnturc Addreu Date
RIIYFR Gff~A GNFR ANn cn_nWRTwT nc acct Iraal c erNMnwl cnrg orrcmT nc n rnuol rrcn rnnv nr ruao r•na,•nanr
EXHIBIT "A"
ADD ITIONAI TERMS AND CONDITIONS
1. HOW THE TOTAL OF PAYMENTS IS COMPUTED: TM it Payexntr b Um sum of Vie
Amount Financed and IM FNaoce CWp. Tim Firtaan C,...ae rambis sdey d bbrest
compulM daily an tM oWladb{ babrcs d IM Amarri Financed, tM Rnaee Charge
sdown oa IM Front sMe bu Men ampnkd en tM assdmptbn iqt M cafe reaiw all
ppmnN on IMir ssMduled der dots.
2. COMPUTIN6INIEREST: Yh taM cbar{n intereri on a daily bash as 1M otdsNldmg
MNrce subject b bleresl m cab day d the Wn Iam,1M daily inkresl nb tr aNd b M
Annual PercenNte Rah divided hY dN number d days M Ual ulendar Yar. Nuys agrees
Uri because inlenri $ celculried on a daiH basis, kle paYmenU rdll resuR N additional
inleral (and, N appiicabk, a late ehargel. Early paymems wylt raoR in IeS irnorsl being
cMrged Eady and/or kk paymerds m'tl CauatM aelounl d Um brat gymed b cMaRe.
i lA1E CHARGE: Buyer agrees b Pay a ble eM{e Nr any paymat not made wdhm 10
days that q dw dab.1M kN dwrye veto M 2% Pa mrmlh an IM uepad amain[ d the
payment We veto atNidar any part d a IsrNll m ateess d 1D dap b be a iRE arenll. iM
late charge wW M due wMa awed. No Nb eMrp veto M due U IM mmn Ud IAe
CuemNo lab eNrge r~due~N Um ao~ly reason Uwl Ilte pay~ymd b lab i baasee~~ N
charge assessed mmraMa ppaymad.
4. AMLiGimp OF -AYNENiS: We veto apply paymeeb N Um lotlowng octet o(prkdlY~.
first b bkrak sad Men b lets duua+. Maas, prkcipal and ny albs areeuntr you owe In
1M order Ord M chose.
5. PREPATMENT: You racy pnpey.In full a in par4 Om ammol awed on this fknkxlriaY
time wNReW padhy. 11 you CreP?fY iM GaUaet in part pu agree b GdOraw b mass
reggdday xMdoNd pay~nN uabl you PaY aR amoatr due under IAN Gdreel This wiN
reduce the aarrher of payarenls you wiR make.
fi. WIIIYERS.
a. WAIYEN IY SELLER AND ASSIGNEE: We sad Asipme waive Ue right b bat any
WaP,tIY n artrillr Nr ON reWymeat d Ub fAnUaR except fa IM Vehicle aM Ua elgr
secunty specifically memroned in Nis Gnuact.
b. WAIVERS BY BUYER, C0.SIONER AND C0.0WNEN: You agree b maq aA paynab on
or bernre they arc due wRMut cur MWng b aNL N you tlodL we nOy enlace our rights
without notifying fee in advarrce, Moll give up airy right pu say Raw b require Inert wa
enforce aw dghk against ume olha Mreen a Dropeny Delore we erdace aw rights against
you. You agree that we may give cep oar rigALs sprint some oUmr persao MI ml apissl you.
Yau waive due dibgence in edkdien and aA defenses Mxd en aroetyship and impairment d
callatenl er setudly.
7. INTEREST AFTER MATYRRY AND JUDGMENT: Mlered ri IM rah proybed b this
Cenlrxt sMll aatUam b coca a tlaranPid bdala ugM qtl n IuA, oven aRa Imludly
and/or afla yw {d a iwdlmenl ageiml you M the araank due. Iha wi apply awn O Nm
maWriry aeewa awwe d accelentbn. II ri say tlms bteral as provMea Nr is this
paugreph b ad pormBled bT bw, interest sAaO accrue al IM Rr{hesl rate aaawd 6y
applicable raw belPndng ri IMI Ume.
8. YOUR PRDYISES ABOUT OUII SECURTT INTEREST: You wIN nri permit anyone deer
than us to ohbdrt a secunty idresL a other tills b Ilm Whidt. You veto ppaay all ling lees
necmary Nr m b oMab and maiMaN am axwOy ialaed N Ilm Vehicle. Ya wi asad a
in Mvitrg aw security lateral akQen Urn CaOEeria d TMO b aN Yeldcle. Tw call rat sal
a glee away Ue Vehtde. If someam Ddaa Ism on W Vehicle, pu MN pay IM aMiplbn aM
dear Ue qa.
9. YOUR PROMISES ABOUT iNE YENICIE: Too veto leap Ute Vehicle in good condition sad
regale. Ya wM pay W tea std cMr{a oe 1M VrideNL Yau will pay aB cash d mardainng
lM Yekde. Ta wi ml agree Ore Yenicle k pemtH aaylhirig to be tlorce b the Yenkk whim
wN reduce M yobs, shat IAe br mrmal mar am tee You cap not ass 1M VeNek tar
iegri purpaes err brMs a Iwo. Yeo will net mw IM Whkbimn your addrasssaerm en
the Irmt d Uds Coplnet to a new pemmnent place of Pngiog wthout nearyN{ a N
adwrtre
10. YOUN PROMISES ABOUT INSUMNCE: Ya veto sap Ue YMkb imarM apbri Nro,
Ud! and ceNda raU dl lime der s xe paid N (uLL TM 6auraace coverage must M
sasht[orY le w amt prelxl Y+s bbresb and our advesta al Ike INne d any imured Ntss.
TM inworce most same eras "kmpaya" on Ur pdEcy. TM bwtarce mull be wdba M
an insurae ampaay qualilkd b N Msiness in PennsyMnn andtkenae b seN irwnna
in IM dab where IM Yenkk k Permamrih gengetl. TM insunme ppooNcY axet Provide w
wiU ri Nut Ice IIOj days prior wdden ndin d aY anatldbn a reduclbn in cewnge On
request yes shall delver the potty a eUa evidence d imaarce cewrage b us In Ue
event of tba bss a damage N the Vehicle, yw wNl Mmedkldp rtoUly m is wrila6 and INe a
proof d loss wilhiM irswrer.
a. OUR RIGHT iD FILE PNOOF Of IOSS• In lM event d any bss a dama{e N IM
Vehicle, Hyou tail K refuse N lh a WM a Drool d bas wAh tlm imurence comWm. pu
agree that the Seger, Assi{nee, arty wbeepuad aagrme, or say aatlwria0 empbya or arty
of Uem Pwa"1 ma Rk a Prod d lass wiU tlm leareece ronpmy, in put sine and xln{
as Your steal with respect b Ue bared tdaim. Ta scree Ual pu be ari Raw tle li{hl b
and ydA ed rewke OM power you Mw {ivbn us b BN a proof of Nu. Yau agree Uel sic may
exerda Ub garret Nr our henetN and pot for pot beneHl, except as DrdvMed n IhN
Cadrxl arM byy pw.
6. DUN R16HT 10 ENDORSE INSURANCE CHECKS: Yau spa IMI the Serer, Atd{nee,
amy subsequent asd{nae, a err aeUalaed employs of arty of Uem 1'we') maY,endorse Your
name, acting as far agent b say Chxk. dntt er eUw irehwaml we retake m Daymenl d
an krared bss a Whin of knlwaRee Premmms. Ya agree UNt ya do not Mw uw nghl b
and wi.nri ewke IAe power you Mw given a N mace fart endorsement Teti spa that
we stay exerdse this power fa our benefit and nritorpur 6eneA1. eaupt a provided N Ihk
Contort and by Nw. -
a USE OF PROCEEDS: We may appfy say iawaoa ppaacaelds we reeewe b upon a
replace Ike Vebiek il, in our oprriion, d n atormmiulY IeaIBN and you ere tint Iha in
dekdl of Uis Connect. Otherwise, we wiN apgpg~ly,Um iusureau pr~ocpeendgs to reduce Me rmpai0
balance dw us. ANor Uc Mbnce due us k Y am enaw wgl Sk pa.
1L OUR RIGHiS li YOU BREAK YOUR ROMISES ABOUT THE SECURITY INTEREST,
VENICIE OR INSURANCE: II pu tail 1o Ixep your pnmka N PW Ting fees, kus, Bas or
the eMS neemary b iweD the Yekide in good uMtba and regain, we may, advance am
money You Drombed b MY• II pu IaH b qep your Promos abeW regmred insurance, we
auy adrarce matey N oMa' nrce to coca loss a damya N IM Vehicle. We Mw the
eMke d whMMr or not N t` .-,re any momY for Iqs purposes. Sash iasurane wiR M
hmaed N an amernt ml grceler than You owe ea ibis Contrael. THE INSURANCE WE
PURCHASE MAY BE SIGNIFICANTLY MORE EAPEMSIVE AND PROWOE YtNI LESS COVERRGE
THAN INSURANCE YOU COULD PURCHASE YOURSELF.
We bNl add any aaonty we advance on yoW beAaB b lba WNna ad w11ic6 we impose
NnMa CMslet at tln Magri hrceri+ge RaN el Nltr GdneL Yen agree b ngay IDe
money 7daeada wa akne may spedly: G) immedwldY as delmrtd, err Ih) alert{ wdh your
monlhry O+YreaMl. II Yn Ccame to alNw You to cagey IAe money advarced slag withfour
monthly gymaatr, cal an elNesl the amount al these payments and haw Nml you hays b
cagy. ll Irty d our nghls sided N This paragraph an not permitted by law, we sldl claw iM
ether rigAk menhoned. Our paymems on your MhaN caul col tea Your ladu{e to Derbrm
yea prrmiba kr this Central
l2 NEFAUIi: U Dds pragnpb "You" neaalM Buys, Co•~r`'{ner and CaOwmr; or any one
d than Van veto M b "IkhuR" al IM Gatrapl U Mty one m more d the fdlawng things
Mppam
a. You de notnagartyaymedaorbelorettrodue;or
h YmderwtsaepaaypreadpyatmadeblltieGnlnegor
e. Yea de ad keep arryr promise Ya made k addMc GAlncl, Ilek, Loan or Agreement
wiU Stgau Aadgear a
d. Mau attle any oohs shlemenl N iM dredll apPhalan for IAe Contract, or
e. Maura~lldanylateryintonnatpmwitklnnConUoeCor
L Mau db, am convicted d a aklm ImdMn{ loud a tlishomYy, a ere loured by a ceun
wgh iuwdblkn b do w N M Inwpaclbkd; a
6• Yau NM Dankruptey or insrirency proceedings, or anyone like hankrupley w
insolvency pmcsdings against Yon; a
4. Yeu kq IM VeMde outride IAe Unikd Stales a Canada wiNrwlaur writlat ramenC or
i. Yau use Rre Vehkle a aAow semane etre N use tt in a way that ceases it rat to tie
wvered by ydur insurne; a
j. You do soaeUdag Thal uusw lM Veltlda to be subject N eonbseaden by government
authoriba:err
L tM Vehicle a bst, stolen, destroyed or damaged beyond aormmieal repair, and real
Tiled a Iaad wAhin a reasonaby Nem• or
L AMNwr credBor bks N kq IM Vehiek or your money on deposit wile Ass~nee by
Nplppeen
HOUR NIGHTS IF YOU ARE IN DEFAULT OF THIS CONTRACE II you an in GNull d Uis
CaMoct Me trey aNra as dghtr accadmg N Nw. Wt may dx do Ue 0bgs specifically
etagard N Ydt CatracL Wa rosy do as o116ea Uinp aM ri Ike ume ume err bier do
aadha. Seam d1M Uings we may do ero the folbwing
a ACCELERATION: We can demand IhN You pay to us lM abre unpagl gNrce omng
ea dm Gdrad ad d urrpaid FNaro Charges anA other weoey duo You agree IMI you wN
pay IAia money b a b one sargle ppral immediaedY span receiving ow oemam.
0. REPOSSESSION: We as nposss Ue YeAicle, soles prohibited by qw. We can do
Us ourselves, kIw a quddkd peso do N fa u; or haw a pwramenl omckl jay repiewn)
d0 A Nr es You spa IMI wa Gn peauaMY ease a N foot property N der tliK We may
lake tpyeNmr thin{s Nand is the Vehkle but nil roltmr uea Nmgs N You it yes ale II you
Waal Nos tl~ back Ya agree b ask ut Ns a JeNer sal b w by certified maR wNMa 24
hart N yet ~ reel fetid w thk NMr, you gne up any dais b Ikea thklgs. Ya agree that
M M al yesBeama pbleg in rapossesying IM Venkle and NanL it k a pba la skn¢e.
t:~IITANY DaIYENY; VN Can ask you b gNre us Ike VeAicle at a reasonably
aonwRNat pNea. Ygb agree kl give s Om yehick N we WL
d. DE YIN ENFORCFNENT: We do delay anlmcing cur dgBU under This Gmracl
yAUedlosing any
l4. SOME THINGS YOU SHOULD KNOW IF WE REPOSSESS THE VEHICLE: It we repossess
wtlhad olio{ a government oNkial joy replerirr}:
a. NOTICE: We veto lint you a Notico d (teposxaion to your Nsl address we know eboal.
Ttds tNNCe veto bA ya how to boy back jredsml IM Vdikle You wi NOT haw IM ngM N
nirtNW IAt CnnUaet fhb roam you wd1 Mw m trey IRe Nbl hoboes a IAA Conuact and
othuameulis der. Tw may ed ge11He Vehicle Wok by paybg didiaquenl imkNmenls. This
NdbetaB leg you abet inkrmalan required DY law.
b, AEDEMPIION: You hPa lM rryht N buy Wrk Gtdeea} the Vehicle within 15 days al
Ua reaiBaB d iM NoUea and al any Nter Ume before we seH the Yehide. II you do not
redaenk }+e gM up d dafm b the Vehkk.
a. SATE: If yes doll redam, we wig uB the Yeprde TM moray received at saN wig be
uud b WY cab ad expema pu owe, Ind then to WY the aarount feu owe on the
WnBaeL
d. SURPLUS ~ DEfICIENCY: II them trmamy kl6 wa wit DaY it b Iha Buyer, Il IAve k
cwt emrWt amaeY Imm 16e sale to pay what feu owe Buyer and Co-S;grrer agrw ro pay what
k sWl aM N as
t EIPENSEf: Yeu agree b Day Ibe casts of repouesdry, skiing repamng, preparing Nr
sale and wing Ow Vehicle a may he aAowed M law. Thex cols will only be due it:
1. DdaWl eaaedeBflan 1151 days alfhe Gas al reposseNar;
2. The amoed d casts are actual, aecessay and naxnade; anO
3. W~ r:a Prove the Itch wen Pad.
lti. NEWS AND PERSONAL REPRESENTATIVFS8OUND:Rita ynUt daUL rho Conbaet sMH
M enNraebk agafrel Yout heM and Casonal repreardaUves of your eaNU.
16. QOYENNING TAW: TR6 CarUad tr to M iderpnled according N the law or Penmylvada.
17. SEYFRABILITI OF PROVISIONS: II la ay roan arty Part of Ub Cennad shall became
me¢aL veto a eadoraaMe, IMI pewaha0nol be a Dart of IAe Cenlracl.
16.ASSIGNMENT BY BUYEk Bu r sMA not auign lips GmncL
IB.INENE ARE NO WARRANTIES BY SEVER, ESPNESSED OR IMPLIED. INCLUDING THE
WARRANTIES OF NEI~HAMTABILIIT AND fITNE55 FOR A PARTICULAR PURPOSE,
UNLESS WE NAPE 61YEI1 YOU A SEPANATE WRITTEN WARRANTY OR UNLESS SELLER
ENTERS INTO A SERVICE CONTRACT WITH CUTER WITHIN a GAYS FRON THE DATE OF
THIS coNTRACT.
Buyer's Guide Window Sticker. If the tar which is described an the face of this Contract has a Buyer's Guide Window Sticker required by Iha Federal
Trade Commission Used Car Trade Regulation RYIe, the lollawing notice applies:
Tha information ydu see on the window form for this Vehicle is part of this Contract. Information on the window form overrides any
contrary provisions in the totltract of sale.
NOTICE-AHY HOLDER OF THIS CONSUMER CREDIT CONTRACT iS SUBJECT TO AlL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD
ASSERT AGAINST THE SELLER OF 600DS DR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY
NFGFIINDER NY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BYTHE DEBTOR HEREUNDER.
NOTICE OFPAOPOSED CpEDIT INSUMMCE
The signerisj of Uis Cantratt hereby Uhels) realise That Group Credit Life ImunACe coven{e or Croup Credit Aeddent and Diadlily Insurance coverage wig be apDMahk la lhls
Cdnlncl it u marked on Ue font of lhk GntraM, and oath such type of eoverale wit ba written by fhb insurarce canpanY named. Thtr insurance. subject to acceptance by Ue
insurer, rovers only the person or persons signing tee request for wrR Insunnce. The amount of cMr{e is indicated for ash IYDe aF Credit lnmrarrce to be purcMSed. The term vl
insurance wilt commence as of the dale the indeblediwss is incurred and wiU axpue on Ue original scbedeled malurily date al the indebitdness. Subject la acceptance 6y Ibe insurer
and vdUiin 30 days, there will tie dekvered k the insured dehlerls) a eaUFicale of insurans mare fogy deuribing the insurance. In the event of prepayment d the mdeMMness, a
refund ofinsurance charges will be made when due.
NOTICE SEE OTHER SIDE FOR IMPORTANT INFORMATION.
THE PROVISION BELOW IS NOT PART OF THE PENNSYLVANIA NOTOR VEHICLE INSTALLMENT SATE CONTRACT BETWEEN THE BDYER ANO SELLER.
ASSIGNMENT
Tn induce you, the "Assignee" identified on the tea of this Coabacl or as follows, (Name)
to Purchase the within Conincl IM &Ikr hereby warrants and repiesads, acct conlinoes to warrant and mpraent teat: the sale has ban made k strict conlormify with all appncable
federate stale and Iota! Nvn and re{ulaliom. including, but not Limited to, Article 2 d IAe Pennsywania Unpdrm Commercial Code j13 Pa CS.A §§2101 el uq); our filteto hie Contract and
the Vehkle covered thereby is ahuluk, Renal all!'nns, encumhnnces and ucailY mlerals, and n subiat only to the rights of the tluYCr as set torah IMrein: lhi: Gntracl is genuine. the
signatures thereon are not yomeria, areu Iron the sale of the Vehicle therein described, and all padres lhaefo are of tuA age and Aad capadly to cenlracl: the peseriplbn ai IAA Vehicle
and exln epuipment is complete and cerrect Ue cash dawnpaymenl and/or trade•b agowanee were actually raeived and <ro pad tberod eonsisled of np!es, post-0aled shacks, other
credit adwneed by us to Buyer or rebetes err similar payments from us N the Buyer jMwever manulaelurer rebaks may cansliwle all or a part of IAe tlownbaymenU: an warranlres and
snlemanls lharein are true; there is owing thereon the Amount Fimnced ptns interest al IM annuar Percentage Rate d Iha Conlnd sal rank Inereln: we era duly licensed under the
Pennsylvania Motor YaicN Sales Fimrce Ad and haw cloy wmplied wiU all reglkremeols lhereoT wile respect to US Uansedwn andwilh the hdenl TrulA•in~Lending Act and with say
other federal a stale taw, rule or regulation appacade to this Conlracl; a mdor vehicle tiGe cerlrlkak stowing a lien or encumWance inlawrd Assignee Bas been awOl be apdwd for
premplly; the iegulretwn d Ina Vehkle has ml Been suspended and Ue Seller Knows el m fads which may result in the suspension of said rogistnbon under IM Pennsylvania Malin
Yehmle Financial Responsibdily Act the Buyer(s) mined in 1M within Conlad n (are} perwnally NMWn to IBA Seiler to M the saint idenUtat personls) whose signature(s) is tare) aHised
to this Conb act; sad Seller has ner knowledge of tolls impairing lht vakd;ty err value of the GnltaeL It any such warredies err represenbbans should be breached al ariy pine. Seger shall
repurchase said Gniracl from Assignee, on demand, and wBl pay lherela, in cash, the amount owiriy thereon, computed a ut torch blow, and said remedy shall tie cumulative and real
exclusive, and shag red attest any olAer right or remedy Thal Assignee might hew al kw or k equity against Seller. In the even) Thal Buyer tails or relusss la make any payment due
hereunder on IAe asserUan, eiUer oral err wdtten, IMI Ue Yenicle is dekcGw, not as represenkd to IM Buyer BY Stlier, or that Seller retool to honor any warranty err serv'we agreement
of Salter or manuladurer, Seller agrees that, on being advised 6y Assignee of such claim of Buyer, Sella will repurchase Thb Gnlrael from Assignee and pay Assignee for same
immedrekly in accordance wiM Ina repurchase terns ul todh bebw, and Seller furthm agrees N hoM Assi¢nee Mrmkss from any elber claims of Buyer, including allorrwys' lees, coils
and expenses incurretl in delandmg against claims assertetl 6y Boyar and maluding ekims tar refund d payments made 6y Buyer to Assignee. If lM Seller tonlracls to Dvrchata Draperty
insurance an behalf of the Buyer, and Uri msugnCe Is cancened by mo msunrcb company pda to Its xAedukd expiration dale, Seller will attempt to place camparahle coverage cadre
anolMr insurance company on Bbadl of the Boyar. II Seller is unable to do u, Seller wig notify NUYOr and pay la Buyer any additional cpsls Iacureed by Ina Boyar. in obtaining
repiatement insurenee for the unexpired period of the onpnal insurance polky. By signing and dabng 166 Contact, as Seller, delivering Ue Conlntl N lM Assigns and accepting
paymerd for il, Sotler autha¢es the Assignce to act as Ue Seller's agent tar IM purpou of cemDleMg or correeling the idenlihtalion of the Asw¢nee in leis Assignment to regect the hue
Assigmb who purchaud the Contract and/or for the purpou or signing Seger's name to This Assignment, witAOW raeurse, If the Asvgnntenl is delivered without the Seller's signature.
Assignee may exercise the power given in this paagraph for the benNil at lbe Anigns and not Tor the benelil of the Seaer. Seller does not have the right to amt agrees real to revoke the
power ¢iven in This paagraph.
In the event Thal Seller is required by lids Assignment to repuchase the Conlracl and/err Vehicle, Seller shall Day to Assignee, in rash, the full unpaid balance nt the Conlncl as al the
date of repurchase, plus any Then retread f finance Cnaga and any aM all costs and expenses Daid or incunen by Assignee in respacl thereto, includng reasomble attorneys tees, in
rnnnnctinn wile claims by nr again) env nowt Dwnernrnersant to nosusskn e1 The Yehide aM/or by err aeainsl Seller.
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff - 0=?r?T?
nt tw
Jody S Smith
??
Chief Deputy i FE9 _ 8 Am
Richard W Stewart rUHBERL a41 i:ifllii {..,
Solicitor - PEHIgS Y i, PA
Orrstown Bank
Case Number
vs.
Anthony B. Ciarlante 2011-216
SHERIFF'S RETURN OF SERVICE
01/13/2011 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: Anthony B. Ciarlante, but was unable to locate him in
his bailiwick. He therefore deputized the Sheriff of Franklin County, Pennsylvania to serve the within
Complaint and Notice according to law.
01/28/2011 10:16 AM - Franklin County Return: And now January 28, 2011 at 1016 hours I, Dane Anthony, Sheriff of
Franklin County, Pennsylvania, do herby certify and return that I served a true copy of the within Complain
and Notice, upon the within named defendant, to wit: Anthony B. Ciarlante by making known unto himself
personally, at The Franklin County Sheriffs Office, 157 Lincoln Way East, Chambersburg, Pennsylvania
17201 its contents and at the same time handing to him personally the said true and correct copy of the
same.
SHERIFF COST: $37.44
February 04, 2011
SO ANSWERS,
RON R ANDERSON, SHERIFF
ORRSTOWN BANK
assignee of
Schaff's Home Center, Inc.,
Plaintiff
V.
ANTHONY B. CIARLANTE,
Defendant
§Lfa)S-e -q? COMPLAINT
Plaintiff, Orrstown Bank, by and through its attorneys, BARK SCHERER,
and files the within Complaint and, in support thereof, sets forth the following:
Plaintiff is Orrstown Bank, a Pennsylvania corporation with a place of business
located at 77 East King Street, Shippensburg, Cumberland County, Pennsylvania 17257.
2. Defendant, Anthony B. Ciarlante, ("Ciarlante") is art adult individual with a
residence address of 4 Lenwood Park, Shippensburg, Franklin County, Pennsylvania 17257.
3. On or about July 3, 2008, Ciarlante entered into a certain Installment Sale
Contract with Schaff's Home Center, Inc. A true and correct copy of said Installment Sale
Contract is attached hereto as Exhibit "A" and is incorporated by reference.
4. The Installment Sale Contract was assigned by Schaff s Home Center, Inc. to
Bann and required Ciarlarte to repay- the money loaned to Ciarlante by Orrstolx-n Bank
to purchase the mobile home.
The Installment Sale Contract was executed by Ciarlante in connection with his
purchasing from Schaff's Home Center, Inc. a 2008 Commodore mobile home, Serial No.
CG47626AB.
6. Ciarlante took possession of the Commodore mobile home at or about the time of
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA.,
C=)
NO.2011- o? / 6 CIVIL TERM rrl
70 ,
tzo
L?7? -
< _' L70
CIVIL ACTION-LAW 4y? ca -Q
k?r
=c'.? rv
i
-?1
--1171
execution of the Installment Sale Contract.
7. Pursuant to the Installment Sale Contract, Ciarlante was required to make monthly
payments to Orrstown Bank in the amount of $591.04 for two hundred forty(240) months with
the first payment due August 1, 2008.
8. Ciarlante ceased making the monthly payment in October, 2010.
9. The Installment Sale Contract provides, in relevant part, as follows:
You agree to pay the Seller or Assignee costs of suit. You also agree to
pay reasonable attorneys' fees if Seller of Assignee hires an attorney to
collect amounts due under this Contract or to protect or get possession of
the Vehicle.
COUNTI
ORRSTOWN BANK v. ANTHONY B. CIARLANTE
BREACH OF CONTRACT
10. Plaintiff incorporates by reference paragraphs one through nine as though set forth
at length.
11. Ciarlante has breached the Installment Sale Contract by failing to make the
monthly payments due and owing pursuant to that contract.
12. As a direct and proximate result of the breach of the Installment Sale Contract by
Ciarlante. Orrstown Bank is owed the sum of $52,186.50 plus costs of suit and reasonable
attornev fees itemized as follows: Some +141vkOs -t-f- U e) govtie +kZ1`5s kw
I2-t?Q Uc r I? (?-L y TUP-`( .
Principal $50,027.49
Interest to 12/24/10 $ 2,045.32
(per diem of $17.13)
Late Charges $ 113.69
?f ' Lei
Sti?sope?s6?? P?- I ? vs?7
TOTAL: $52,186.50
ORRSTOWN BANK : IN THE COURT OF COMMON PLEAS OF
assignee of CUMBERLAND COUNTY, PENNSYLVANIA
Schaff 's Home Center, Inc.,
Plaintiff NO.2011- a 1(o CIVIL TERM
V.
CIVIL ACTION-LAW
CIARLANTE
ANTHONY B
,
.
Defendant
-
MCD
r''
sM F
-um
1
17
A6&W ) pIGE Wl t ?tl?' ? ?E?i1??iY7"' N?9 L1 z
Ar
0; 30 d 1 ??Tr,?lEF,?/ Pt. NV7 Ff'
D?l2STZ:iy.?1
CA:5'6 WC>U"0 '96 D JS?tisSf'p 1*/D Tom' ORA51M4-4
60AiD1Te0A1s W#fW OE6NOA7T 441,0 8,4q, ;q& gqc,?
1°yCivI"s, ?fNEs, L.,;-t- fps o
CO (-41? r COSTS i1/CI- U01AIrr 444iCCy ao1 / 7-
71-7 7 W^l &-oWK. 0ErbN0.*V r Ho+x A?,jt
l96rrtEE0 I°i9?Jy?6NT
62SMIS s 7W G4s6-r
V?2t
?CEB, 244, Xc 1
Received
$4? Payment on
$ J THANK YOU!
ORRSTOrWN? BANK
Cashier
ORRSTOWN BANK IN THE COURT OF COMMON PLEAS OF
assignee of CUMBERLAND COUNTY, PENNSYLVANIA
Schaffs Home Center, Inc.,
Plaintiff NO. 2011-216 CIVIL TERM
V.
ANTHONY B. CIARLANTE,
CIVIL ACTION-LAW
Defendant
.te -
a' -,
mm
M
ry M
;.
PRAECIPE TO DISCONTINUE J
TO THE PROTHONOTARY:
t
Kindly mark the above-captioned action as having been settled and discontinued w ithout
prejudice.
Date: March 1, 2011
Respectfully submitted,
C SCHERER
?
/A4914?1z_
David A. Baric, Esquire
I.D. # 44853
19 West South Street
Carlisle, PA 17013
(717) 249-6873
Attorney for Plaintiff
CERTIFICATE OF SERVICE
I hereby certify that on March 1, 2011, 1, David A. Baric, Esquire of Baric Scherer, did serve
a copy of the Praecipe To Discontinue, by first class U.S. mail, postage prepaid, to the parry listed
below, as follows:
Anthony Ciarlante
4 Lenwood Park
Shippensburg, Pennsylvania 17257
David A. Baric, Esquire