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Home My WebLink About02-0680IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA GreenPoint Credit LLC, CIVIL DIVISION Plaintiff, No. ~. Steven D. Foster, John Doe and Jane Doe, John Doe and Jane Doe being fictitious names, their true names being unknown to Plaintiff, the fictitious names intending to designate any other adult Co-Occupants of the premises described in the Complaint, Defendants. Complaint in Civil Action - Replevin Filed on behalf of: GreenPoint Credit LLC, as servicing agent for BankAmerica Housing Services, a division of Bank of America FSB Counsel of Record for this Party: Erin P. Dyer, Esquire PA ID Number: 52748 Attorney for GreenPoint 2021 Murray Avenue, Suite B Pittsburgh, PA 15217 (412) 422-8975 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA GreenPoint Credit LLC, Plaintiff, Steven D. Foster, John Doe and Jane Doe, John Doe and Jane Doe being fictitious names, their true names being unknown to Plaintiff, the fictitious names intending to designate any other adult Co-Occupants of the premises described inthe Complaint, Defendants. CIVIL DIVISION NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by 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 LAVVYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT VVHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 1-800-990-9108 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA GreenPoint Credit LLC, Plaintiff, Steven D. Foster, John Doe and Jane Doe, John Doe and Jane Doe being fictitious names, their true names being unknown to Plaintiff, the fictitious names intending to designate any other adult Co-Occupants of the premises described in the Complaint, Defendants. COMPLAINT CIVIL DIVISION No. COUNT I - REPLEVIN - AGAINST ALL DEFENDANTS AND NOWcomes GreenPoint Credit LLC, by and through its attorney, Erin P. Dyer, Esquire, and avers the following in support of its Complaint in Replevin: 1. GreenPoint Credit LLC, hereinafter referred to as "Plaintiff' or "GreenPoint," is a corporation duly authorized to conduct business in the Commonwealth of Pennsylvania and has a principal place of business located at 400 Southpointe Boulevard Southpointe Plaza I, Suite 230, Canonsburg, PA 15317. 2. Steven D. Foster, hereinafter the, "Purchaser" is an adult individual whose last known address is 620 North Middleton Road, Carlisle, PA 17013. 3. John Doe and Jane Doe, are fictitious names, their true names being unknown to Plaintiff, their fictitious names intending to designate any other adult Co- Occupants (the "Co-Occupants") of the premises located at 620 North Middleton Road, Carlise, PA 17013 described in the Complaint. The true names of the Co-Occupants will be substituted for the fictitious names as soon as those names are known. In all subsequent pleadings filed in this case, the captions shall reflect the substituted true names. 4. Purchaser and Co-Occupants shall hereinafter be referred to jointly as Defendants, when applicable. 5. On or about December 1, 1999, Purchaser bought a 1999 Fleetwood Stone Creek Manufactured Home, Serial Number PAFLX22AB460745K13, (the "Mobile Home"), from Quality Mobile Homes, (the"Seller"), and entered into a written Manufactured Home Retail Installment Contract and Security Agreement, (the "Security Agreement") for the payment of a portion of the purchase price thereof. A true and correct copy of the Security Agreement is attached hereto as Exhibit "A." 6. Seller assigned its interest in the Security Agreement to Plaintiff, GreenPoint. GreenPoint perfected its security interest in said Mobile Home by having an encumbrance placed on the title thereto. A true and correct copy of the Certificate of Title is attached hereto as Exhibit "B." 7. Plaintiff avers that the approximate retail value ~)f said Mobile Home is $49,500.00 and that the said Mobile Home is in Purchaser and Co-Occupants' possession located at the address described above. 8. Purchaser defaulted under the terms of the Security Agreement by failing to make payments when due. As of January 30, 2002, the Purchaser payments of interest and principal were in arrears in the amount of $1,445.01. Pursuant to the Acceleration Clause in the Security Agreement the amount outstanding as of January 30, 2002, is $50,283.69. 9. Plaintiff provided Purchaser with thirty (30) days notice of intent to repossess the Mobile Home. A true and correct copy of the notice of intent to repossess the Mobile Home is attached hereto as Exhibit "C." 10. demand. Purchaser failed to cure the default or return the Mobile Home upon Plaintiff's 11. Plaintiff avers that under the terms of the Security Agreement and Pennsylvania law it is now entitled to immediate possession of said Mobile Home. 12. The Security Agreement provides that in the event of default: a. Purchaser will pay the reasonable attorney's fees of seller or of seller's assignee, provided that prior to commencement of legal action such fee shall not exceed $50.00; b. Court costs and disbursements; and c. Costs incurred by seller or of seller's assignee to foreclose on the Mobile Home including the costs of storing, reconditioning and reselling the Mobile Home. 13. In order to bring this action GreenPoint Credit LLC was required to retain an attorney and did so retain Attorney Erin P. Dyer. WHEREFORE, Plaintiff, GreenPoint Credit LLC requests: a) judgment for possession against all Defendants to recover the Mobile Home, plus costs; and b) judgment against Purchaser for detention damages, special damages consisting of inter alia, detaching and transporting the Mobile Home, shipping fees, any cost for insurance placed on the Mobile Home by Plaintiff, late charges, and all allowable damages per the Security Agreement, any further costs for repossession and sale, and attorney's fees and costs of litigation in order to obtain possession of the Mobile Home; and c) In the event Plaintiff repossesses said Mobile Home and resells or otherwise disposes of said Mobile Home, a deficiency judgment against Purchaser in an amount to be determined by the Court upon petition of Plaintiff, which amount shall be equal to the difference between the amount owed pursuant to the said Security Agreement plus the damages set forth in paragraph (b) above and the amount recovered by Plaintiff from the resale or other disposition of the said Mobile Home, less expenses. COUNT II - DAMAGES - AGAINST PURCHASER DEFENDANT ONLY By way of separate and alternative pleading, Plaintiff, GreenPoint Credit LLC, alleges the following: 14. Paragraphs 1 through 13 of this Complaint are incorporated herein by reference as though fully set forth. 15. This Count is brought in the alternative to the relief sought in Count I. WHEREFORE, Plaintiff, GreenPoint Credit LLC requests: a) judgment against Purchaser in the amount of $50,283.69 with interest and late charges plus detention damages, special damages consisting of inter alia, detaching and transporting the Mobile Home, shipping fees, any cost for insurance placed on the Mobile Home by Plaintiff, late charges, and all allowable damages per the Security Agreement, any further costs for repossession and sale, and attorney's fees and costs of litigation in order to obtain possession of the Mobile Home; and b) In the event Plaintiff repossesses said Mobile Home and resells or otherwise disposes of said Mobile Home, a deficiency judgment against Purchaser in an amount to be determined by the Court upon petition of Plaintiff, which amount shall be equal to the difference between the amount owed pursuant to the said Security Agreement plus the damages set forth in paragraph (a) above and the amount recovered by Plaintiff from the resale or other disposition of the said Mobile Home, less expenses. Erin P. Dyer, Esquire Attorney for GreenPoint PA ID Number: 52748 2021 Murray Avenue, Suite B Pittsburgh, PA 15217 (412) 422-8975 L:\GreenPoint\Foster, Steven D\CM Occu.wpd VERIFICATION Don Turosik, Collection Manager and duly authorized representative of GreenPoint Credit, LLC, deposes and says subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities that the facts set forth in the foregoing are true and correct to the best of his knowledge, information and belief. Don Turosik Collection Manager GreenPoint Credit, LLC JO;N-31=2082 15:12 GREEHPOINT 61 880 817 1863 P.O?×i4 WAIVER OF ~ .......... ~m ~ L BY JUDGE ALONE ~(~:~;I ho~o d~cribod on p~ge 2, tog~her w~th ~rnl~hlng~, w4~;Pment, ~pp;;~n~ee ~nd ~c~nrie~ it~cJUde{ in the manuf~rec home ~t the t~r m~ ~ purchooo (galled "M~nCB~urad H~me"), Ia fully ~Id. If. or :Z." C [/~9 I ~lll Ow~ ~7 amou¢.t un,et thio Contm~, I will pay auob smount I~ tull on m~ date, whk:h ~ ¢ilJi~ oe 'Mstu~ g~Jt.' ~&c~ ~Jhly p~yma~t will be ~¢lJeC ~8 of lis ~checuled due d~JJ. If PERCENTAGE ..... s 5.CC EXHIBIT "A" D~.s¢ riwtJg n Nlo~U/-r.~;umrJ Home: ~ ' ;: ~ ,,~'~~~ ~.'i.: ~ ~:~: ................. SKI:TZ~F- PROPERTY INSUWANCE: prop.try tneur~nCe o~ the Onntra~t. [ h~vs the rl~n[ [O cheese ~e pemon through whom ~ i~ obtained. '~y r,,~r~in~ the appm~d~[e line below L eleu[ to b~ tho gO~ge In~iu~te~ from you for tho te~ ~nd premium shvwn, and I w~t ~ fin=nCe~ on thl~ ConW~ I ~ypO of In~r~nce Ti~ P~rniu~ S .C,O iNJUrY AND PROPER~ DAMAGE CAUSED TO OTI ~E~S IS NOT IN~%QDE~ UNI ES~ INDICATED IN CREDIT LIFE INSURANCE: C~ed~ L~e Insuramc. not ~uire~ tot this Co~ra~ cr A f.ctor in its a~pr~[. I~ [ e~e~ Credit Ufo Ineumnce, ~c n&me(s) of the Pr~[:o~ed Insure Pt'opo~ Insurec__. ~Only spouse ~an bo In:ure~ 7.qio incurance may not p*y off ail of'my ~ebt, ~n4 the ~real L;fe I~r2nce c~er~g~ for the term _ Single ~ 8_ ~. L;npeld Btilun~o (~ plus 7. ' ' f ~ under t.he t~,~ifurm ~ommergi¢,.J Ce~$ in (1) th~ M~nuf~:iu~ HgmJ sn~ in ti~ncoa in thi~ CoRer&C:. [4} ~y ¢UB~utions or mpl~ceme~ Of tho tore~O(ng, ~nd (5~ nil proceeds of ~uc~ M~nUt=~ur~ Hn~ ~nd ¢~oeo~ion~, ~nc ~ any Acditionai ACCeS~O~B~ :n~ Fg~hlngs. Thi~ securi~ interest cocure~ p~yment ~nc peH~&hoo of m~ obllgatiur~ under ~iS 'Oo~t~, I~¢~din~ Any ~dd;~u ~ de~ ~f Sin~ b~GU~o O1 m~ f~llur~ to p*~orm my oflligat==n~ Uncor thi~ Contra~ [n~ in~lu~e~ ~ny ~nt~ual ~xtenoion~. ren~,v~l~ or mo~ifi~tlon~. My exocutinn of this Contr&c~ =ensfitu~ a walvet ~ ~y pomon=t ~po~ ~nd hom~L~c exemption n~t0 to the pe~nal proD~r[~ herein dee~n~. I w~l ~,nuri~ interact in ~ny pe~on[I pr~e~ ~nd fixtures, i ~g~ that you m[y ~;:e this securi[y instrument or a rm~ro~u~ie~ their in the r~l osts~ ~cords or ~her apFropriate index ~ c financing s~tement ~r ~ny ut the items specifie~ ~bove. Any ~ro~u~ion of this socut~/InstrumenL or &ny other secur~ ;~reement cr [in~r'~i~m~ statement, sn~ ony o~slons, renewals, or &men0monts ~oreof. sh~ll b~ s~[clen~ ~ pe~o~ c seouri~ i~:e~ast v/.~h ~p~ [o ~uch item~. p~EDAVM~NT: I MAY PREPAY THIS coNTRAC~ IN FUL~ OR IH PA~T AT ANY TiME WI?HOUT ~ENAL~, BU~ I WILL NOT ~E ENTICED TO A RE~ND OF THE pR~AID FINANC~ CHARG~ IF ANY. IF ~ MAKE A PARTIAL PREP~M~T, ~ERE WiLL BE NO cHANGE IN THE DUE DATES OR AMOUN~ Off MY MONTHLY PAYMENTS, UNLES~ YOU AGREF IN WRITING TO ~OSE CHANGES, PROPER~ IN~ URANCE: s. Minimum Covc~ag¢. r ~m required to pr~vl4e physl¢~i ~tg¢ in~t&nc0 coverage Frnt~[ing the M~a~u~e~ Home f~r inCi~ln~ liege, rot WhiCh you require insurance, i~ ~ ~ount oad~l t~ the lesser of t~e &~u[I cash wiue of the Manu~a~umd ~urne or the Femaini~ unpaid b~l~ce I ~w~ hum :im~ :o time unde~ this Con[ra~ ~he *Minimum Cuv~age"). ~e in~urannn policy will ¢0nt~in a I~ss p~yGbie claus~ ~,utuct:% you ~s your iht=rcs[ m~y Gp~e~r), ~nd provide for pcll~y i h~%'e tho fl~ht to choose ~e p~r~cn through 'w~cm the ~?o~c~ InGur~nce pe~im/ Is nhf~[n~. If my my expense for the ~m~nirl~ [oFm of th~ Ccntr=~. Shou[c I f~l! ~ maint~:~ Ih~ Minimum OoverGge, you maY1 ~ut are not obHg~'.~d In. ob~i~ i[sur~nce covcr=~e.; [grge thGt [~}' in~urzr:ue )au purchase may ~e far the p~tecfion of only i~e?~t ~t tho O0~t?~c~ rate, ~i~l b- ~dd~c to my debt. t ~il ?c~y ~uch ~m. oun~ ~LJ~n0 th~ term of the policy l~ the r~uestoc ~y yOL; und~m~nd that the inout~n~ ~remiu~ m~y bo hl~her ~ you m,.~f pu~haae the inoumnoe th~n ~mght be ~he cG~e if; had F,.:r~u-~ed the [nsUt~ge, ~ thct ~u m~y pu~h~e :he lr~u~anu~ fm'Orll ~n cffili&te~ go~&~y which rgc~lu~ ~ pror;[ fu~ [ni5 semite. ~ppainl you ~ my [im~ed =Ecrgey-imt=m ~ sigh'my n~me to any r:h~:uk, dra~, c,r mher 4o~ument ncco~s~W to o~n such in~ur*~ce ~ymen~. ~TE CHARGE: I agraa to ~y a Iat~ gh[~e for I;tc p[yment ~s set ~orth an ~e trent of th~ Contram. Only ~ne late ghs~c %ill b- mncn an any delinquent In~s~[ment teg[raless ct ~he per:cc 'or which th~ Jnsts::ment r~m~ins In cef~uIt. A~gr this Co~r~ where the ~,~nul~red Horu~ i~ t0~; (~ I f~il [u ke~p ~e r~Sg~sbly ~e~lne; (el I remove the Ms~u~d H0~e l~m t~g ~C~rus~ sSown ~ ~is CO~ac~, unle~ I notl~ yo~ In NOTICE OF DEFAULT: It ~ny ef t~e ~bave sp~c~fied Eve~t~ of Default h~ve occurred, you ~y ~n whoever is neceo~ ac=e[er~ ~sV~ont of th~ remaining un~id b~l~nce I ow. ~Cu or ~e~a~a or fotecle~ on ~,y p~e~ which Secure~ =~ncon~ u, voluntarily a~rro~rgd ~e ~r, ut~u~ H~mc, or (3) o;~er eib ~me ~i~mot~n~ee exi~ whlOh weuI~ ~ave O~n du~ In the sheened ~ ~e,su t a? .thct ~re due; Ar.~ (c) ~G~ona~lo Oo~t~ wh~C~ th~ dght~ i~medi~totY upon ~y default. On~o you ~et poG~ecs on of lh~ M~nuf~turod Home you will soil )t If the amount the s~ie. ~er expenses, is less than whst l oW0 y~U, [ w~:', p~y y~u the c,ffcrence except &~ othe~,is~ provlde~ Dy [~w. Alt remee{e~ 3re cumulative ~r~ you ~Y e~forc= l~e~ sep~r~te~' or together h~ ~ny 0r~er you H~m neOesaS~/to proto~ yovr AR~I~ATiON OF DISPUTb~ AND WAIVER OF JURY TRIAL: ~. Oisp~ Reaolution. Any contr~ersy or clei~ belden ~r ~mong ynu anC me 0r our ~si~neeS ~rleing out of or ~lsting to thie Contr3~ ~r ~ny ~gre~ments gr ins~ments ~l~tl~g tc or delNarod in c0~nc~Jon w~n this ContraCt, in~U~ td~l b~/~. judg~ ~ pr~viced ~low. A contr~Ye~Y irwnMn~ enly c ~irqie ciaim~nt, or ~Imim~[6 who ~re rel~o~ or a~e~inc de:e~ined b'/ lu~moi~l (~erenc~ el the controve~Y to s r~groe A~n ntec by 'J)e ~c~ or, ~f tho co~ where U~ co~rovermy ~s venucd IAc~s the p~er sm ~p~int z referee, 0y trial Ey z jud~u without ~ ju~ g~ oeecdbed below. YOU AND I AGREA AND UNDERSTAND THAT WE ARE GIVING UP THE ~:O~ TO TRIAL ~Y JURY, AND THERE sHALL BE NO JURY WHINER ~E CQN~ROVER6Y OR cLAiM IS OFC1DED EY A~ITRATION, ~Y JUDICIAL REFER~GE, OR TRIAL BY A JUOOE, b. ~rb;tration. ~ince thi~ Contr~ ~uches and coRceff, s ~ta~Te ccm~orc~ ~n a~it~ton under this Ce~ract ~ndu~e~ in ~o~ordanc~ with lh~ Ur, it~ StEres A~itr~:i~ Act ~lro g, u~iied Grates C~dc), no~ith~ndin~ a.y cho{ce of cnnceminG wh~her en issue ie ~r0~r~ble she. Il be d~e~ir, ec by tad ~.oltr~tOr(S}. The awarQ of the sr~itr~t~r{e) v. rit;r,~ ~nd i~oluce a ~ate~ent cf r~so.5 ~or the ~w~rd -~s &ward sh~ll De ~im~. dudgme~ ~o~ the sward m&y provide0 by 5ec~u. 10 d the United 5ta~s Ar~l~a~on Ac; ur upe~ ~ finding O' ~:n~eSt injultlcg. · f re ue~teC ~y' ~her y~d or ~0. ~Y conTrovemy nr claim under subpsraqr~ph .. Judm~=l Relem~%~r nvlde 'JGN-~l"-2002 15:15 GREENPOINT E~I 8~0 ~17 186~ P. 11/1~ · ' ...... q-tar:m 0r ~ecurlW or to o~mn ~,. ~-- - .... ~- '~i "bore h ether the abashing nor m. exer~se such remocy sh~ll se~e s~ a waiver ~ ~he rlg~ of ~ither ~ou gr ~c ~0 c~mand that the ~[~d or any other dispute controvo~Y 'os ¢~ermined by ~rbit~tion &¢ p~vide= above', A~oRNEy FEES: If ~ p~v~t In ~y legal s~lo~ or ~r~r~tlon preceding which i~ com~e~e~ in conn~on anfo~ement et t~= Co~tm~ or ~y instrument er ~g~ee~e~ rnqulm¢ uncor thi~ Con~a~, or in ~nn.~io~ W~h ~[~ing ~o th~s Contra~ yuu will ~ey ~ re~Son[~[e ~t[urn~ ~o~, cou~ co~ ~d n~ce~a~ ~i~buree~e~ i~¢urre~ I[',v. If you prevail [~ ~ny ouoh ~ton or pmceeCir, g. or in thc exorcise of shy self-help remedy M {eoafibed ~bove, I will p~y ~n¥ ~u~ c~ eno neaeaS~ dlebu~ements to the full e~nt pacified by I~w, together with roaOO~ble foo~ imposed Default. OTHE~ TE~M$ AND CONDI~ONS: i ~gres: (~) te ~} w~h ~y monthly instalments, if r~e~.d ~y you to du sg~ the ~v~nce on my behalf ~0 oortO~ mY ~efaoE; ~nc ¢u) g~a: ~ [ ~m m~rnO~, ~m~ rg~lcin~ in a commun~ p~pe~ ~a:e, bot~ my ~y ~ss:gnee ~ thi~ cREDIT INFORMATION: You m~y lnve~gaLv my credit h~[~r/ ~n~ O~gCtt c~acl~' In r~n.~tion wi:h o~enl~g s~ collectir:~ Ir,~rm~tion a~oU: me, Including [nsuran~ InfO~a~o~, to att t~.am who ~y l~y~ully m:eive such I~/o~atlon. You ma.y furnish WAiVEd: W~iver of ~ny ~ef=u',t ~hm[1 not can~litu~e a w~iver Ot ¢~y Other C~ulL No term of t~is Co~oJ shall W one g~ y~ur ~[Ge~. Thio C0n~ i~ tt~e ent2e agreement b~een ua ~nd I lares ~[t no omi cr unleSS in wr t P,~ ~nc el~ned 6h~ll be ~noffe~vo ~nly tc the e~m ~t ouch p~hibi~ien or i~v~fic~P>', without InvslidatMg the mm~in~er of ouoh pmvi~lon or QOVE~NING ~W: E~oh provl~len et thi~ Curmtra~ shall be =;n~truod in ~=ccrc[nce wlt~ aec governed by the law~ ah~lt n~ ~o oeemec to d epriv~ ynu ~ such grew:er rig~ aec romodle6 ur~r Federal -.~:h _ · .......... :. '. ;' '" : E ":::':':': ': ..... :.:~:~.:?.-..L.?-~:?~.~/~:'":::]F::::~??:~'T.~[~j~ ~j~:~jC4~:~]g;;4':~L~:?~::::.'''~ '.T~N-31~2802 15:15 GREENPOINT 61 800 817 1865 P.12/14 ~¢~dLV1NG O1~11'1~ ~? ~''~ .... ~'1~ AGRE~PeENT AND ~HAI t AGREE TO ALL THE TERMS ON ALL PAi3ES DF THIS RETAIl. INSTALLMENT CONTRACI' AND ACKNOWLEDGC REGEIPT OF A COMPLETED COPY OF THIS cONTRACT, ASSIGNMENT BY $~I_LER TO GREDI'OR INC. icATED ON PAS'- ~ {"Creditor") W :h roSCoe: to this retail inetallment oontra~ ("Co~'.rec:") ~igno~ by one or mere buyera CSuyer"). SE:LLEF[ rol~reeOntS &nc warrants that: (I) Ruyer'a credit etateme~t submiP, ed here'ditn lo ~omple;oJy accurate onless otherf~J~e o~ooJfieci; (2) B~r .~I~ ~f tho merchcnd~se ~escr;~ed In th[~ Con~r~: (~} the ~¢v.,n payment w-.~ ma~O ~' Euyor in ~sh unless oth~r,v ~ harem; ~ thio Can~a~ ~d e.ny guar~n~ su~ed In dentation he,~with i~ in all re~p~ .egal~ en~m~hle against ~UrpoAed 8JgnatoW therec'; (~) Seller hs~ the right to jssl~ :hi~ C~ntract ~nc thereby to convey ~ood title tn it; ~) in the event of any claim or cefense ~e~ec by an~ B.a,/er, or a~y h~ u,' assigns of Buyer. w~:h respect to the Manuf~ured Home or other pr=pe~ o~ - Repo~ln~ Act, Eel[et ~as n~t~jed Buyer th~thi~ Oontr~ le t= ~e surmised to Creditor. which is ~he s-~b~ct mawr hereof ant ~ut~or~es gredKcr l: c~ eve,s'thing neCco~s~' to colJect ~nd di~cha~e eam¢, All ~erms ~' ~ny ex[~l[n~ wr~=~ sqrccmont~ ~e~een ~ull-r ~-c Credkcr governing the purchase o~ Contr~t= are made ~ hereof by rafere~c0. R being un~em:ood thai Crecttor ~lies ~;~n the a~ove warr~nt:es anc upon said cgreement= In this C~:,Z C -'::.'-,L 'J(J u ~ EXHIBIT "B" 15:11 O~c~nbor 21', ~.Onl GREENPOINT 61 800 817 1863 P.03/1~ CA~O~$SU~G,' ~A 1S317 Thirty~ona (~1) ~oy~ after The d~:c of i~ noti¢o, w, may hnv~ the right to ~o~=ncc LoSe% ~e~len an~ L~t¢ Chaise(a) s a~nun:. Y~u ~iLL n¢c~ to pay Th~ fuLL a~ogn: ~Y :he ~:~ ;~dlcat¢~ abov~ in arc~a~ to cuee your default. the hours of 8:00 a.m. un~);O0 p.m.. N~nday through F~i~ay. EXHIBIT "C" SHERIFF'S RETURN - REGULAR CASE NO: 2002-00680 P COMMON-WEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND GREENPOINT CREDIT LLC VS FOSTER STEVEN D ET AL RICHARD SMITH , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - REPLEVIN was served upon FOSTER STEVEN D the DEFENDANT at 620 NORTH MIDDLETON ROAD , at 0912:00 HOURS, on the 13th day of February , 2002 CARLISLE, PA 17013 by handing to STEVEN FOSTER a true and attested copy of COMPLAINT - REPLEVIN together with and at the same time directing His attention to the contents thereof. Served prior to receivinq fax on bankruptcy. Sheriff,s Costs: Docketing 18.00 Service 3.45 Affidavit .00 Surcharge 10.00 .00 31.45 Sworn and Subscribed to before me this ~7~ day of rot/ho~'otary g So Answers: R. Thomas Kline 02/13/2002 ERIN DYER By: SHERIFF'S RETURN - REGULAR CASE NO: 2002-00680 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND GREENPOINT CREDIT LLC VS FOSTER STEVEN D ET AL RICHARD SMITH , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - REPLEVIN was served upon WETZLER DEBORAH, adult resident the DEFENDANT at 620 NORTH MIDDLETON ROAD , at 0912:00 HOURS, on the 13th day of February , 2002 CARLISLE, PA 17013 by handing to STEVEN FOSTER, FIANCEE a true and attested copy of COMPLAINT - REPLEVIN together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 6.00 Service .00 Affidavit .00 Surcharge 10.00 .00 16.00 Sworn and Subscribed to before me this ~7~ day of So Answers: R. Thomas Kline 02/13/2002 ERIN DYER By: ~ff