HomeMy WebLinkAbout04-6197
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
M & T BANK, successor by merger to
KEYSTONE FINANCIAL BANK, N.A.,
Plaintiff(s)
No. (J'I-- 1/197
. .
t'aJ
vs.
COMPLAINT IN CIVIL ACTION
KEVIN SHOW AKER a/k/a
KEVIN R. SHOWAKER
Defendant( s)
FILED ON BEHALF OF
Plaintiff(s)
COUNSEL OF RECORD OF
THIS PARTY:
LORI A. GIBSON, ESQUIRE
PA ID#68013
JON A. MCKECHNIE, ESQUIRE
PA ID#36268
DEBORAH R. ERBSTEIN, ESQUIRE
P A ID#86470
Bernstein Law Firm, P.C.
Firm #718
Suite 2200 Gulf Tower
Pittsburgh, PA 15219
412-456-8100
DIRECT DIAL: (412) 456-8100
BERNSTEIN FILE NO. R0052724
NOTICE
TillS IS AN ATTEMPT BY A DEBT COLLECTOR TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED WILL BKUSED FOR THAT PURPOSE.
MLG0003204V 001
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
M & T BANK, successor by merger to
KEYSTONE FINANCIAL BANK, N.A.,
Plaintiff( s)
No.
vs.
KEVIN SHOWAKER a/k/a
KEVIN R. SHOW AKER
Defendant( s)
COMPLAINT AND NOTICE TO DEFEND
YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this complaint and notice are served, by
entering a written appearance personally or by attorney and filing in writing with the court your defenses or
objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed
without you and a judgment may be entered against you by the Court, without further notice for any money
claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or
property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LA WYER 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 WHERE YOU CAN GET LEGAL HELP.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, Pennsylvania 17013
717-249-3166
MLG0003204VOOI
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
M & T BANK, successor by merger to
KEYSTONE FINANCIAL BANK, N.A.,
Plaintiff( s)
No.
vs.
KEVIN SHOW AKER a/k1a
KEVIN R. SHOW AKER
Defendant( s)
COMPLAINT IN CIVIL ACTION
1. Plaintiff, M & T Bank, Successor by merger to Keystone Financial Bank, N.A., maintains offices
located at 11 00 Wehrle Drive, Williamsville, NY 14221.
2. Defendant, Kevin Showaker also known as Kevin R. Showaker, is an adult individual with a last
known address of 133 Andrew Court, Carlisle, Cumberland County, Pennsylvania 17013 and a mailing
address of, P.O. Box 394, Boiling Springs, Cumberland County, Pennsylvania 17007.
3. On or about July 21, 2000, Defendant executed a Note and Security Agreement in favor of
Plaintiffs predecessor, Keystone Financial Bank, N.A. A true and correct copy of which is attached
hereto, marked as Exhibit" 1 ", and made a part hereof.
4. By the terms and conditions of the aforesaid Agreement, Defendant agreed to repay certain sums
to Plaintiff and, in so doing, to make certain monthly payments to Plaintiff as is more specifically shown
by said Agreement.
5. Defendant defaulted under the terms of the parties' Note by failing to make payments to Plaintiff, as
promised, since January 28, 2003, thereby causing the entire balance to become immediately due and
payable.
6. As a result of Defendant's failure to pay the monthly payments when due, Plaintiff avers a balance
of$7,135.64 is due and owing, as of July 26,2004.
MLG0003204 VOO I
7. Plaintiff avers that the agreement between the parties provides that Plaintiff is entitled to interest at
the rate of 11.49 % per annum.
8. Plaintiff avers interest amounts to $1,553.37 as of July 26, 2004.
9. Plaintiff avers that the agreement provides for the addition of late charges on any past due payments.
10. Plaintiff avers late charges in the amount of $50.00 as of July 26, 2004.
11. Plaintiff avers that it is entitled to collect reasonable attorney's fees of 20%, pursuant to the terms
of the parties' Agreement, which amount to $1,427.12.
12. Defendant is in default of the agreement for failure to make timely payments and by failing to pay
the unpaid balance for payments and charges.
13. Despite Plaintiffs repeated requests for payment, Defendant has failed to and/or refused to pay the
aforesaid balance, interest, attorney's fees or any part thereof to Plaintiff.
WHEREFORE, Plaintiff requests judgment in its favor and against Defendant, Kevin Showaker
also known as Kevin R. Showaker, individually, in the amount of $8,562.76 plus interest at 11.49% per
annum from July 27,2004, and costs.
NOTICE
THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT BY A DEBT
COLLECTOR AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
THE BE~S~LA~ ~IRM' PC
By: l ~
Lori A. Gibson, Esquire
Deborah R. Erbstein, Esquire
Attorneys for Plaintiff
Suite 2200 Gulf Tower
Pittsburgh, P A 15219
412-456-8100
BERNSTEIN FILE NO. R0052724
MLG0003204VOO I
VERIFICATION
The undersigned does hereby verify subject to the penalties of Pa. C.s. 9 4904 relating to unsworn
falsification to authorities, that he/she is the for the Plaintiff herein,
that he/she is duly authorized to make this Verification, and that the facts set forth in the forgoing
Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief.
Signature
Print
MLG0003204VOOl
e
',',"t
18 . 4008092001&
NOTE AIIllIEC\II\IT'IJ\aI\U\\\!IIT.OIllOll July, 21, 200.C,... ,....NOTlce'.1l .:r:O - ':'''-':=l=W~~Fn;.,~"
ANNUAL FINANCE !Amount FlftllllCld TT~-Of-p~~n;.~ta."-T . T"'~"';"",~;' ~,
PERCENTACE 'CKAA<lE I Th."':.1"""''' .,''',, '!>I """""" V" .",...... p.'. "s ........' f,.;~~,OOQ.QO
~~~~l D1V~f ~!adll \~F~~~~ \~I~;,'icrJon 1 ::~tdn:~~=.\\ II $ ., ,",_ _ .10~,-~p_o.oo.
~ ti . yill1fy <alo l l ! i! ArntlUI\l wv.n tn you dlfleWf
1,1.48. ..,4 3.248.8.Q 1$ 10.000.00 IS 13,246.80 I: $ ..........p.,;,..~.3W3
't'ou~~.~ ~ w~l_l. _ ,.. ., ,'_ :_ "~l--=-'--~~~'~ .~:~~==.:..' :__~':-_'.-...=i~-~~~im_~'~\l $ ___O~Q~ "_ .'
I! .. _be< of.~~~"-.--l(!'~'iit;!! -1:::-:'!~~ni:~9;;joii-.--"--. ,-" :il-~~;::~~~:i;'!~-~~!'~~~'
i I - .......'vou-... jjI.....! ..c;.iiYinj....i -~_.- ....1 ~1h'Y: '~~_Im.~_ -..- .- -- - -- --- - ____..J T~~~;;;;~~~ -~;;,v- --
i B~::I::cr~l:,o:":~~~~"ed. : .----,.--.~ ~_n_.i
1_..__.____..._.___.__.___ --- ---__,_..___ .._ .. _H_ .__ _.____.,. H.ls'M8NL-":fi3ii~4i-"-- .. I
!~c::.~ if tl p~l it not macle w~thln 16 day. at it. due date. you Will be charged 1M let..r of 3% 01 the 1\~cuM~~=-~----=2:~2-2i-:94~~~:~' . - ,
! QllyfNH'll. or S2fi Ol'), but \(\ no ....ent WIll the late chatga tNi 1"1 thin S10.oo, 10 .. m._~___._ , -----.!.....----.-.-- --- :
,,,..yawd: II yOU pay toft' early, \'00 will ~t ha....to pay a penaI~. IS ________.._____.__..______:
: ~~~~~~~~~~forpr~.;;;~;:; :~~::'~~:~~~.:_(~:~~~~~~~.~~J- -.-.-----'"-~--- ---..----- ,
The A.MUII "-~eg. R.... ~ FIf'IMC-" and P.ymenl: Schedule. WIcwn IIbowllle p,"" ot this Nata Ind Seeufit; A.O'MlITIenI (wtltQh Ia c,ned tht "Hole' You 81e
ll\e pOl'&On (or DtQOl'ttl wha .lgnt. .. "'Borrow.- or ~eo.SlQntf- betow II mQftl then one pel'tQr1 ., betow. 9ad\ rJ YOU will be l!8bIe, aepl.fltely tnd tog8lr.r. ~Ql' all
of Vour Prom/HI in tN, Note.
VOU PROMISe TO PAY lIS: Key.tone FInancIIII 8Mk, M.A., One KI~ Plaza ,.."....~A 171os. or fo our OtdfJI. III 8llY of our Dfflcea.. the Amoun!
~:"~,:: ~~~ ::pc:: ::~~ '"r: ::1~1I:~~cal-::~I': ~ ~1.1n~' ~9:', .:n. d::,b:.: =~ ":t ~~lm:t~:~ II~ ~~ ::m::;
pay In advlWlCe .U D/' pen of the b_lWlCtI du, at IJtty trme wlthoul ~"rv or praml~
:,~ ~~=rJ',:;' ~r=t ~ay:N:.~;~:lcl~1 0: ~~U::.~=~ 11;= h::;.=~~~~~.-.=.~~:y ~=:;
-C~~IQ::r:r:t~ent~ ~a1 P(aptKty. *'d lts eQU\pmeI\t end ='\.;,~"t:_:;UF::r=~Q( ~''ftlic%~~=o,S~;~::
AeC8f.or'.I. the chedrlng iOtld/or IIVIngI 1CCOUIlt. or If the ....~jc ~ ,,1Ilyrnen( autho"z81'tll'l is
canoeled 'at IlI'I)' lime tot MY fuson, whethltt by the Borrower or lhe Lender. lhe
1. UNSECURED lnte'eI1 r.. WId paymtlf'lt Win revert back 10 'Ihe contract ternu
2. :Wm:,,:R:: : CHA"ft~4:;' ~~: ~~:a ~= :. ~~:=
Charge shoHn abaoM ... flVW..s by UIUIf\Itlg that III payrnents -.ate recoel'/e'd on
,. ttIelr due dates. II If\V payment IS 1_, you MUll ~ mofl Finllnt. Charge 1han 1$
shown b8c8uu of It'It atkit\orliM irQr"t impaH(i It ,/00 pay early, w.. Fltl8tlee
Charge wi~ be 1.... The amtIUn\ d 1118 me'.... or decrease In Mnar'lC& Ch,'ge
of. will be dUe 'Mttl the lISt Jloayrnet\t, 'ffhich WIn be rnodI{,ed to re1\ftel \he &e'!Ual
OUr aecurilY lIlfe,nl include. part.. ~led -at:cetSlonl,.. added to Ihe PIK1DMI emoun\ then (Ne.
property .. Iny later mne. SET-OFF: Th. taw QIV" UI . ngttt of set-off in ."., of youf property In our
(II) . MorrUege upon tlOl.....lon iii any time. inclUdIng dlPOJlt accountS. Thi. rneanf tholl. " you deteUlI.
w. "'IY ex.cI.. our rIght of III-off and apply '"\I of your DfOporiV m our
DOI....ian. Including d~W: .ccounfl, 10 the lurna you awe on rhl. Nolet.
__ FLOOO INSURANCE: It ch/K"Jc.-d. 0 inllurance I' reqUired 8gam'l Iloed
AU !he prOJ)8tty which HCW8t "', Not, ill c.lled the ~olr..,a1" Oor right. end dWMg.f to improved rell Dtoo.rtv or mobile home Collateral.
~:~=. r=:,,:~::~=. C::~~~t:"\~': = PROPERlY INSURANCE: tf ,\hi' Nate 'S ,..cured, ~Ufar.ee eosinll ohYli1cal
propany 'CoIlaterll tIl'. CUltIined in .... ~age. At YfNf eapam... yW wm d8mIOt to tne ColI..... no( III QUI' pouesl\OR 1& rtlCW'fed tor ~ full t61t\'\ ul n\lli
:er~llndwtJ:' :.iU\~ k\ ~ -;: ~ ~ ~~tk~ = ~ INSURANCE AND PROPERTY INSURANCE MAY BE OBTAINED THROUGH
'ahsfv our ucunry Inter..t in the Call1lerll. . AHV AGENT, BROKER OR OTHER PERSON OF YOUR CHOICE. See Insll~8I\l:e ",
IF NO REAL OR PERSONAL PROPERTY IS IDfNTIAED ABOVE. lHIS NOTE 's Section 2.4 01 !he Securtty Aglum,"1 on the reverse aIde
UNSECURED.
"
r' ------ ------------~-------_~__._
j :EC':f(~~: =/;:~:: :::'b~: =I~:C:I ~e'::~.In= =s=IICt~':~'=J;t~.=;r~ u,s,,::.:: :r: '~~:et~~~!
I' on. BotTOwer "gnllJO fot insurance b./ow, Joint Credil UI. fnllJ/'ll'lC8 II .available 10 both Borrower. .lgntng for luch lnaurance below No credit lnauflflCt. Wlrl be I
plOVlded lI1l... the apptOPN.I. llaIemenf(a) I, .igned by the B!If'fowlf'(:1) 10 be insu,kI Md me COIle Ihown .befoW .,.. ~ 1ft the Amount Fi(lanc~. :
;By :'Igning. ycu want SIngle Credit IBY lipnlng, you want Slngl. Credit By ..gn;ng~1 Sint;Ji8cr-edilBy 'ign;ng.y(idK:iii,w;;rJo7nicr.dtl7~--'.--'~
I life Insuranco. wt'nctJ coati InVOluntary ~loymenI lniur8flC8. Accident" Health /naUranee, whlo"l Insurance. Whieh COlli Whi'l: trt i
"/A wII>Ch _II $ NIA co.l. $ NIA N}A 'IOU' 009"
! -_._--_.!._.~----_.._---------. _!!.I!~
: S,gnature of 80/'rQW8l" 10 be Signatl,lre of Borrower to be lnaurN tor SlgnllUr' of 8orrO\w.' 10 be insured
; .nsured for SII'IgIe Cretd,! UI. SIngle lrwol\M'll&ry Unemployment tor SII'",I. Credit ACCldenl " "'u11t1 I L "feats.
IlnsurlnCl IIlIUrllK:8 I~urll"""'":''' .n.1 29 V SJ~s~t;th-a;'~;lO'be-;nsU;Gd---~'
: What I. you, lIQe? v.". .." ,...... _ MIS tor JDlnt Credit Ufe Insurance :
,_~= inlU~.:-~~ 8ECUiifTY-':;;;"UMNCE COMPANY..... AMERICAN IECURfTY _U~eoM"AHY. WUmInftton. ~;;------ .---..\
THE AOOmONAl TERMS AND SECURllY AGREEMENT ON THE SECOND PAGE. AAE PART OF ms NOTE.
JL BY SIGNING BELOW. YOU INTEND 1"0 8E LEGAlLY BOUND BY ALl. OF THE TERlAS OF THIS NOTE.
I! ~ J 0 YOU ALSO ACKNOWLEDGE RECEMNG A COMPLETEO COPY OF THIS NOTE.
C 1... f{. J!1AJW/J'.)I1 (SEAL) .!1LIAJJW.LlU.lUUlILlfll1Jl.LU--11.!IJl.I-..___.__
Boo".....'. S<g<\1l"'. KEVIN R SHOIUER ....-
....-----.---------.----
Bontwter', Srgntture
(SEAll
Add'...-------------.--------- -
, 0
NOTICE TO ClHIONER
. NOTICE TO co.SlONER: YClU ere beUlg ..~ to guaronteo this debt. Think careblly _. Y<N 00, If the BOITOW<lI' doesn't pey the debl, you 'Oil i
( have to. ~ sure you can afford to pay If you have to, anl:t tha1. you want to accept tht& responalbi4tty.
, You may he.. 10 PIlY up 10 the filii """""'t of the debt . the Ilonow6r _ 110\ pay, Y<N may also have 10 pey Ia\8 _ '" 00_'" COSI., which
ifIcI'ease this amount
! The Creda... can collect this debt frem you with<M II.., trying 10 collect lrem th. Ilo.....er, The C",d'1lOt can us. the ..... coIIocllon mOlI1Od. against
! you lnol can be u.ed ago;nsllhe Bom>wer. such .. aulng YOU. ote, "thi. d(lblls .... In clelaul. that fact may b..",,,,,, . r-o" 01 your erOOit record.
: CO.SIGNC"'S SURETY AGREEMENT: You. m. ~ (Of ~) s.ignIng U "CQ.S\gMl''' bel<M. S)faR\iH to pay to U'" Qr 10 OUl 01'.. the Amer.anI FU\wlced, pIlA
If\\9!et.t end otI\er chetg-. .. provided u\ 1hl1 Nate. You Intend to be teg$tl)' bol.t\d by all the terma 01 thta Nate. Qper8!ety Md t~. .,.lth lh. ~ "Iou .,.
: mekino thlC prarnt.e 10 induce UI 10 mike tilt Ie... 10 the Borl'l:lMlr. even Iho4Jgh !he proceed, ""II be Ultcl Only tor thIr bon~. tMlnefit. You IQr.. thai '" may
, '"" 1IMtIt11a18 pavrnlfll from rDU Wlfhoul making anv pfIO( dlmand far parmenl upon ..... Borrower Vou .10 lldInowledg. r~jyiflg 8 ~ copy af this Nota.
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Co-S1cner', Signtture
Add_
a...
NOTICE, see SECOND PAGE FOR IIIPORTANT ",FORMATION
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40080920016
KEVIN R SHOWAKER
ADDITIONAL TERMS
"
NOTICE LA Tf CHARGE. You ..,"'" to POI' . '.'0 cl1<l'Oo 01 ,... 10"'" ot 12500, or
AtH IIOtDIR OF'IHIS Cl)NlIUMlll ::REDIT COHTIIACT IlIIUII.lICT 3"" ot 111<1 paymont ......", n any plIl'lYlf/11l. .... "'od' wI1hln 1~ <MI'I 01
TO ALL CLAIMS AHDIlEFlNlIIS WIllCIl THE DlDTOR COtlLD ~~: ~1b~ :.",,:,,:;",~::'~~fIa~m':,~ .::n 1~1~(lO<7J~~;
A"~F<T AlIAl"ST TIIf. SELLEIl OF CWOllt 011 ""VICII O'TA~1l doIinquancy Oh . po</< plymolll 0( b"""""., enor .afau', th<l .ntlre
PUIlIlUANT HEIlITO 011 WITII TIll! PROCIEllI HIIlIOF. IlICOVIRY .....andlng balance beelm. dUO,
HEREUNDER BV TIlE DEBTOR SHALL NOT I!XCEED AMOUNTII ,AIO WAIVER II we d.cll'" lho unpoJ. blllonto oIlho NOI. and oarr.od intor,,'
BV THE DEBTOR HlREUIIIl!II. to 08 immediately <I.JG ond poyllllie, yOU wflil/6 you. right. to ""lulfe u. to
do ~rtaln things ThQse thloQs are:
RET ,jRNED CHECK CHARGE !f you scoo us .a chock or other Item in (i) to demand payment of Imounta due (known as -presenlment"):
paYf\Il:~nt 01 $ums .y~ owe on lhis. No\e and thai: item \s re4urned unp8ltS tor (i1) to give notico that amounts due have not been ')aid (known as "notICe
any reason, we will Impose 8 Roturn 116m Fee of $1500 of dlshonor"t and
DEFAULT The Jollowmg are I!8ch "Oefaults"' (Iii) to obtain an o"ic\a\ certltication of nonpayment (knewn as .protest")
(I) You fall 10 make any payment 10 us on 01 belore the day it C01T'''JS due: We wal~ the rlght to'rcst eny propeny other ~t\ln the CollaldlH secu~
M 'f Ou provide U$ wl\h falSO IntormatiCn or signatures at any lime; 1t'J. this Nota A wehtar 01 any other of our tights undo (his Note will nol be
(Ill) You die Of become !GgaUy Incornp4tent, e\ activo unless It is in "signed writing
(1\1) You do M! promp!ly and property perform any Of ywr proMises or NO NOnCE OR LOSS OF RIGHTS. We can do any of ttl" fotlowing wi(hout
obhOcUKms In IhlS Note, lhe Socunty Agreement, th& ~gsge or in loflil1Q you Of tosing any rights agalnsl you or lhe Collateral.
Oioy otner note ~'f agreeO\Ml you now or later have with us: (i) accept a Check or otner order marked "paid. in full" or with $lmllar
(\I) You c8nnQI pay any at your debts as 'hey come due; langl.l'OG as a partial payment under this Note:
<'II) The Collaterall~ 1O$t. stolon, damaged Of de~troyed: (il) gIve additional time for p8yment of anv amourn owing lJnder thls NOls:
tVII) The Collatersl IS sO)d, trensfGrrlJd. leased. gIVen or delivered. In whokt (Iii) elierdse. gl\l. up or delay O)t&rCi$lng arfoj right again$t 8f'iI p8l'$on Of
or 10 part, 10 a person who is not a party 10 the Security Agreemer4 Or property;
Mong.go; ("1 aqd or r_s. en. jlOrson Of DrCDOl1v obIlgalo. ulld8r 1l1iS Noto' or
(~';'ll f>>roceedtngs ~ b~un undEV' the ~n.JPtGY Co~ by or against you: (v) fan to protect or onforce our lriterest ih any 0 the Con.teral. '
lUI-) Any fUdgment IQ entered 01 record lIQatMI you; or RISK OF LOSS' You wHI remain bound by this Not(t even If the CoU.tersllS
I') Any 01 your property Is lllIach<ld 0( .ul>joct 10 beKlg lort.~ed 1051. SloIon, damagod or deslroyad,
DEFAULT AND REOUIRED PAYMENT tN FULL II OJIy Oofault occurs, we BENEFIT AND BUFIOEN: AU th8 _. of I"'" NOlO sMII fIYor us, our
may, II we choose, -accelerate- the maturity of this Nore. This 1Oe'l16 we s.ucCOUOC'I and IIsaJgns. The ob<<gations shaU bind you, and your heirs,
may declare the enllre remalnlng unpakl balance of the Amourt Financed pet80MI representatives and assigns
and earned interest to be immedtatety due and payable However, if ~his NOTICES. Unless otherwise requlred by law, each demand or- notico under
Note is secufed by a Mortgage 00 residential real property co<<ateral, tt this NO\e shall be delivered or sent by regular mail, addressed to tho plJJ'ty
reQUIred by law, we will lirst send you a tim~ notice 01 !he Defautt at it6 adckes' 88 provided In thie Note Either partY may ctlange its agdrGSs
adVISing yct.l Of your right to cur.3' the Default and of OUr intention to take bV giving luch . notice to the other party. Reasonablt1 ndlicO, when nQlice
~CIlQfl If you do not CUfe 'Hkhin lhe 'ime P&nc.d P/'O'ollded in OUt' nol:lC8. If we is (equweo, shalt be cteemttd to be 10 cJays,
,," an ecvon to collect "",ounts In Oe;auk, you elOO..,reo 10 PI!l/ ell olour WARRANTIES AND REPRESENTATIONS YOIl warrant and rep...enllhallh.
~rtr~:I~o ~:~r ~::::I~e:':::$~':~A~~n': =~ a::n~~~ ~v~~~=~,a:d:~~V=r:u:,bu':~~~S~= w~~~~
provided by lew We wit! conl.lf'\J8 to imPose iN.erest daily on all s.ums owed the Iundl (Collateral) to violale any law thai could result m forfeiture
10 us al the rate provided In thts Note until we recewe payment in lill, even proceedings being instltuced.
I' we have oblained ludgment agalf1st you '{ 0lJ agree to prompttv' inform us of any proposed proceedings or actual
MUl T1?LE PARTIES If there is more Ihan one Borrower on this Note, Of one proceeding whlch would subject 1he fCOIlaleral) funds to forfeiture to any
or more Co~Signers, all ot your obligallons shall be primary, Each pf you will gove~Cal body.
be 1iab1O. Sep8f'at~ and together, lor BCI of yfXJr promises in this Note LAW: This Note ri be governed by ,no laws of the Commonwealth of
PennoyNanI8, unl8S' fedora' 13... llDP!y,
SECURITV AGREEMENT
SECTION 1. LOAN AND COLLATERAL When you sign this Note and ....Ided In this Noto. If yOll fill to _ your prom.... to maintaln
doliver it to us. and complete the OI:her l'8QUtred delails. we will make a.loan Insur&nCO In effect. or to paV ffli:~ feos. t8Xes O!' the costs ~sary '0
10 you. ThiEl Seoonty Agreement applies only 10 personal property described keep the Collateral In good condition and I'8p8/f'. we may. if WI'! alone
as Collateral on the tront side of lhi9 Note As; used in the fOllowing Sec\loos; choose, advance any surns yCAJ promised to pay and obtain repia(:em9r1\
o! this Secunty Agreement. "you" also includes "ny Co-Owner of the m$lJl'ance Howeyer. any replacement imurance we obtain to cover loss or
CoNaterat dllTl8ge to the Coltal.eraI may be Nmlted to an amounl not greater than whal
SECTION 2 YOUR OTHER "GREE~It:"jTS. ~:deC:: ~ ~~=e~ ~~C"hm:l'im:s:=:e ~h~~ ~ :~r:=
2 1 O~, SELL, Ere y~ own the Col!ateral tree a~d c1ea~ of allllent and peccenteoe Rale o( lhls Noce anet may bG repayable (I) immecfiately upon
Security Interests. You will not sell, tr~ter. lease. g1V6. del''1er or otherwISe dernaNJ' (U) aIof\Q with yocr monthly payments' or (ill) at the end of the
dispose of.the Coll~ter81. in whole Or /."1 part, to any. perto~ whO Is not. a NOIB.'. we alone may specify. Our payments On your behalf will nO! cure
party 10 It'tls ~lY Agreement You will not perrni1 any lIen or security your f8lkJr& to perlorm your promises in this Security Agreement
.nteresl to be obtained on the Collateral olher than CllrG. alia
22 MAIN'f.A.INING T....e COlLATERAL At your COSt. you will maintain the 27 INsPEC!lON, You wlH oermlC us 10 inspec1 the C leral a!: any
Collateral In good condi\ion and repair. 'feu will preserve il agal"st loss or reas.onab\e 1l1T\8.
damage You will pay aU taxes: and other charges on the Cotlaterat You wiM SECTION 3. NO LOSS OF RIGHTS The Note and this ~ Agreement
nOl use the Collateral illegal.,.. or for hl18. may M negotiated. asslgned, extended Of renewed by us Without reklasmg
any of you Of the Collateral. we may add vi release arr>j person or property
23 DEPOSIT ACCOUN15. It (he ColIaICl'ral cDnsists of e deposit account or obligated under the Note and this Security Agreement W\l.hout losing our
c~rttflcate of depos:!l. we may refuse 10 ~ you to clos~ the ~count "! rights in ,he CoIfst<<al
Withdraw ;)fl." sums from It. II 1he deposit accou.nt or certificate 0, depo6it SECTION 4 DEfAUL l A Oetault under t.le Note wlU be iI Default under chis
matuf~S while (he l\jot~ remal~ unpaid, ,,!e 'MIl automatically renew the Security Agreement. In addition to aU the rights and rem4dies 01 a li9CUrad
depOSit for the same rIme perIOd, as pro\llded in the deposl( agre6ment, party upon detaJl' which are provided under the Unjform Commerciaf Cede,
~e:~S ~: ~w: :r:.t~h: :~~1:,~1~\J~ rer:7':' ~,; upon our declarlno the Note to be lmmedtatetv due and payable.
2 4 INSUAAN~E While any sums are owed on Uns Nota, you wi<< carry 4' APPliCATION OF OEPOSiTS We may apply any dePOSits inCkJded in
IOsur8nce on any Cotlateral whICh is not in our possessiOn against flf'Q. theft 1he Collaleral l'Q8Inat the sums th&. Borrower, owes on this ~e. If the
and Olher casualty The polICY musl contain a deductible clause I:Ind be in COltaIeraI <:onsista of a time dtpo&it or cet1if'lC8Ce of deposil, we may
an amount ,and with an insurer Ihal are sati8faC1OfY 10 U$ The policy must lermlnate the depos;r before maturity In oro.r to reai'ize on lhe CoIIatetel It
namG us as the "loss-payee" The policy must provide tl\a1 any 10&5 is to be we lermin81e th6 depoai\, the con"~ of deposit or IlpPtlcable ~ rnay
~~Y~~~I~~~~ a;~st~h~~ ~~ :rv~n=t~:~~e7~~1s~8=~~~ ~SU~O~C=~A~ie~: ::u~~~'::~Onder the
reduction In coverage tor any reason, Upon request. you shall deliver the CoMMerll \0 us lit a reaaonabt)' co;wernent place we d81igflal.e.
pol\C~s, cel1il1cates Of other evidence 01 insurance to us. In tl1Q event of 4.3 PEACEAJt REPOSSESSION. It you don'l surrender the Collateral to us.
an~' lOSs. or damage to the ColIal.eral. you will irnm~diately notify us in we may ~ake pDlsesslen of It. wllh 01' wtthCU1legal process, In accordance
"''''trng and Me a proof of 10$5 wilh !he Insurer We may IiM a proof 01 loss with law. You arthoNe us t3 peaceably enter upon any premises where tht
on your bchall it you 1811 or refuse 10 UD 50. We may also $ign ywr name to CoUal..1 may be localed lor the purpose ot taking t1~sesslo" and
~n: e=~~I':~ :: =a:~ : h~:;e;;' ~ofi/:=::'~: removing it
in our tuOgrnent, we will apply tho Insurance ptoeeetds 10 repaI, 01 replace 4.4 EXPENSES OF REPOSSESSION ANU $TORAGE, We may chorO$ you
the Cotlaleral. Cth8l'\lJis$. we W~I apP.... the proceeds \0 reduCe the sums our nJuonabkJ expen'Jft In l'8f)O..lsesslng. trarttporttng, f'GpI.iring, stonng
you owe en thi$ ~ artd stmng the Collateral 80 tong 8' they are allowed by law.
25 NOlING OUR SECURITY INTEREST. >>. COl1If1CltI. ot t~1o Is Isoue. tor ..5 SALE OF COlLATERAl W. may .eIl, ..aJgn '" dei.er tho C...."'., at
lhtt CoIla!eral. you will assist us in hot",ing out security Interast noted on the one or more public Of private sales W., will give you reasonable notico ot
~er1i!lcate of 1ille the lime and place of sale. W. may purchase the Co&:ateral at thai sale.
? 6 YOUR AUTHORITY TO US "you tall to do ..hat is reQUIred 01 you by !roe of eny equl\8b1e '" Iogel rig," '" c_ you mlY """. in the Collat...,
Scclions 2.2, 24 and 25, we may it we cJ1OOf'''', perfOrm yOi.o. obllga11ons We will apply the proceeda 01 .8~ first to our expenses and thet. to the
and pay such cOsts and expenses. We wift add the am(ll..:nta. we advance to sums the 8orro.wer owes on thIS Note. We wIll P'V any surplu8 to you If a
the sums \he BorrowOf' owe$ on this Note, on wt\lcl'l we impose tnlGrOlt 8& sum is lUll owed to us, the BO"OW&T and co-SiQner must pay " to us.
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NOTICE; SEE fiRST PAGE FOR IMPORTANT INFORMATION
l\Olob
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VERIFICATION
The undersigned does hereby verify subject to the penalties of Pa. c.s. 9 4904 relating to unsworn
falsification to authorities, that he/she is the Vice President
for the Plaintiff herein,
that he/she is duly authorized to make this Verification, and that the facts set forth in the forgoing
Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief.
i/ ;j,c~
s/gnatur1
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Gcralyn Bonilla
Print
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SHERIFFIS RETURN - NOT FOUND
CASE NO: 2004-06197 P
COMMONTWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
M & T BANK
VS
SHOWAKER KEVIN AKA KEVIN R SHO
R. Thomas Kline
,Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named DEFENDANT
SHOWAKER KEVIN AKA KEVIN R
SHOWAKER
but was
unable to locate Him in his bailiwick. He therefore returns the
COMPLAINT & NOTICE
I NOT FOUND , as to
the within named DEFENDANT
I SHOWAKER KEVIN AKA KEVIN R
SHOWAKER
133 ANDREW COURT
CARLISLE, PA 17013
DEFENDANT HAS NOT LIVED AT GIVEN ADDRESS FOR OVER A YEAR.
Sheriff's Costs:
Docketing
Service
Not Found
Surcharge
18.00
3.70
5.00
10.00
.00
36.70
So answe~~ ~.::;::;;::::::::;::-;? ,.___._' ........___
...~...._~~:-:-.. -..--"-"
( ;: Thoma;-~line
Sheriff of Cumberland County
BERNSTEIN LAW FIRM
12/30/2004
Sworn
and subscribed to before me
day of 9~
..~
:J ,/ C
this
d!./O:;f A.D.
I
~ 0. fn-/ihN ~.
Pr. t onotary ,
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA
CIVIL DIVISION
M & T BANK, successor by
merger to KEYSTONE FINANCIAL
BANK, N.A.,
Plaintiff,
No. 04-6197 Civil
vs.
PRAECIPE TO REINSTATE COMPLAINT
KEVIN SHOW AKER alkJa
KEVIN R. SHOW AKER,
Defendant.
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
DEBORAH R. ERBSTEIN, ESQUIRE
P A ID#864 70
NICHOLAS D. KRA WEe, ESQUIRE
PAID #38527
LORI A. GIBSON, ESQUIRE
PA ID#68013
Bernstein Law Firm, P.C.
Firm #718
Suite 2200 Gulf Tower
Pittsburgh, P A 15219
412-456-8100
DIRECT DIAL: (412) 456-8] 00
BERNSTEIN FILE NO. R0052724
NOTICE
TillS IS AN ATTEMPT BY A DEBT COLLECTOR TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
MLG003712VOOl
,
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
M & T BANK, successor by
merger to KEYSTONE FINANCIAL
BANK, N.A.,
Plaintiff,
No, 04-6197 Civil
vs.
KEVIN SHOW AKER aIkIa
KEVIN R. SHOW AKER,
Defendant.
PRAECIPE TO REINSTATE COMPLAINT
TO THE PROTHONOTARY:
Kindly reinstate the Complaint in the above-captioned matter.
B'
e1:ior R. Erbstein, Esqwre
. olas D, Krawec, Esquire
Attorney for Plaintiff
Suite 2200 Gulf Tower
Pittsburgh, PA 15219
(412) 456-8100
BERNSTEIN FILE NO. R0052724
MLG003712VOOl
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SHERIFF'S RETURN - REGULAR
CASE NO: 2004-06197 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
M & T BANK
VS
SHOWAKER KEVIN AKA KEVIN R SHO
RON KERR
, Sheriff or Deputy Sheriff of
Cumberland County, pennsylvania, who being duly sworn according 0 law,
says, the within COMPLAINT & NOTICE
was served upon
SHOWAKER KEVIN AKA KEVIN R SHOWAKER
t
, at 1545:00 HOURS, on the 18th day of A ril
at CUMBERLAND CO SHERIFF'S OFFICE ONE COURTHOUSE SQUARE
DEFENDANT
2005
CARLISLE, PA 17013
by handing to
KEVIN SHOWAKER
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing His attention to the contents hereof.
sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
18.00
.00
.00
10.00
.00
28.00
~gL:~,~~~
R. Thomas Kline
04/19/2005
BERNSTEIN LAW FIRM
Sworn and Subscribed to before By:
me this ,~:;-- day of ~
d<Oo,,---- A.D.
~1-' ..?i1~.,LH- ~_
Ij proth~ 'T"J
~
J'
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CNIL DNISION
M & T BANK, successor by
merger to KEYSTONE FINANCIAL
BANK, N.A.,
Plaintiff,
No. 04-6197 Civil
vs.
PRAECIPE TO SETTLE DISCONTINUE
AND END
KEVIN SHOW AKER aIkIa
KEVIN R. SHOW AKER,
Defendant.
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
DEBORAH R. ERBSTEIN, ESQUIRE
PA ID#86470
NICHOLAS D. KRAWEC, ESQUIRE
PA ill #38527
CHRISTOPHER M. BOBACK, ESQUIRE
PA ID #91730
Bernstein Law Firm, P.C.
Firm #718
Suite 2200 Gulf Tower
Pittsburgh, PAl 5219
412-456-8100
DIRECT DIAL: (412) 456-8100
BERNSTEIN FILE NO. R0052724
NOTICE
THIS IS AN ATTEMPT BY A DEBT COLLECTOR TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
-'
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
M & T BANK, successor by
merger to KEYSTONE FINANCIAL
BANK, N.A.,
Plaintiff,
No. 04-6197 Civil
vs.
KEVIN SHOW AKER aIkIa
KEVIN R. SHOW AKER,
Defendant.
PRAECIPE TO SETTLE, DISCONTINUE AND END
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
Settle, discontinue and end the above-captioned matter upon the records of the Court and mark the
costs paid,
y:
e or . Erbstein, Esq
Attorneys for Plaintiff
Suite 2200 Gulf Tower
Pittsburgh, PA 15219
(412) 456-8100
BERNSTEIN FILE NO: R0052724
Sworn to and subscribed
before me this -I3-th
day of -.JII el.o ,2005
1T7;~.AfWbAL\
Notary Public
COMMONWEALTH OF PENNSYLV
NolarfaI Seal
M'ocheIIe L Graham, Notary PublIc
CIty or PIlIsbuIgh, Allegheny County
My CommissIon Expinls Apr, 16, 200ll
Member, Pennsylvania Aasoclellon Of NoIarles
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CNIL DNISION
M & T BANK, successor by
merger to KEYSTONE FINANCIAL
BANK, N.A.,
Plaintiff,
No, 04-6197 Civil
vs.
KEVIN SHOW AKER aIkIa
KEVIN R. SHOW AKER,
Defendant.
CERTIFICATE OF SERVICE
I, Deborah R. Erbstein, Esquire, do hereby certify that a true and correct copy of the foregoing
Praecipe to Settle Discontinue and End, was served upon the following parties on this 13th day of June
2005, by first class U.S. Mail, postage pre-paid, and addressed as follows:
KEVIN SHOW AKER aIkIa
KEVIN R. SHOW AKER
18 Hope Drive
Boiling Sp' sPA 17Q
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