HomeMy WebLinkAbout04-5661
v.
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
; NO. 04 -SlcJ.1 CZtu~lCY~
PENNSYLVANIA STATE BANK
Plaintiff
JOSE L. CHACON and LISA K. LAMP-CHACON: CIVIL ACTION - LAW
Defendants
PRAECIPE FOR ENTRY OF CONFESSED
JUDGMENT ON GUARANTY
TO THE PROTHONOTARY:
Please enter Judgment in favor of Plaintiff, PENNSYLVANIA ST ATE BANK, and against Defendants, JOSE
L. CHACON and LISA K. LAMP-CHACON, of 11 East Manor Avenue, Enola, Cumberland County, Pennsylvania,
in the amount of $81,000.00 in accordance with the original Promissory Note with Disclosures for Confession of
Judgments attached hereto.
TO Cumberland County
Prothonotary
~
Dated: November 8. 2004
Robert D. Kodak
Attorney I.D. No. 18041
Attorney for Plaintiff
F:\USER\BONNIEJO\PSB\CONFJUDG\04324confjdg.wpd:03Sep04
PROMISSORY NOTE
Principal 'I Loan Date I Maturity Loan No CallI Coli Account J Officer I
$81,000.00 08-18-2004 08-20-2024 65000101 65000101 OWL
References in the shaded area are for lender's use only and do not limit the applicability of this document to any particular loan or item.
Any item above containing "..." has been omitted due to text length limitations.
Initials
Borrower: Jose L. Chacon (SSN: 210-54-4720)
Lisa K. Lamp-Chacon (SSN: 175-48-4377)
11 E. Manor Avenue
Enola, PA 17025
Lender:
PENNSYLVANIA STATE BANK
East Pennsboro Financial Center
715 Wertzvllle Road
Enola, PA 17025
(717) 703-2800
Principal Amount: $81,000.00 Interest Rate: 7.000% Date of Note: August 18, 2004
Maturity Date; August 20, 2024
PROMISE TO PAY. Jose L. Chacon and Lisa K. Lamp-Chacon ("Borrower") Jointly and severally promise to pay to PENNSYLVANIA STATE
BANK ("Lender"), or order, In lawful money of the United States of America, the principal amount of Eighty-one Thousand & 001100 Dollars
($81,000.00), together with Interest at the rate of 7.000% per annum on the unpaid principal balance from August 18, 2004. .
PAYMENT. Borrower will pay this loan in accordance with the following payment schedule:
The prlnlcpal sum of $81,000.00, together with Interest as hereinafter provided on the principal balance outstanding at any time,
calculated on the basis of a 360 day year, shall be payable In consecutive monthly Installments, commencing on September 20, 2004, and
continuing on the 20th day of each month thereafter until August 20, 2024. Commencing from the date hereof and continuing until August
20, 2009, principal and Interest In arrears at the rate of seven percent (7.00%) per annum on the outstanding prlnlcpal balance shall be
payable in equal monthly Installments of $633.18 on the 20th day of each month, each such payment to be applied first to the payment of
interest on the outstanding principal balance, based on an agreed twenty (20) year amortization. Thereafter, the Interest rate payable on
the principal amount of the Loan then outstanding shall be a rate as offered by the Lender In Its sole discretion, and the amount of the
monthly Installments of principal and Interest shall be such as have been agreed between the Borrower and the Lender. If the Lender
chooses not to offer a fixed rate, or the Borrower does not acept the rate, If any as offered by the Lender, the rate of Interest payable on
the loan for the remainder of the loan term shall be two percent (2.00%) plus the base Interest rate announced from time to time by
Pennsylvania State Bank, as its "Base Lending Rate", such Interest rate under this note to be adjusted when and as said base Interest
rate changes. Principal and interest, at the rate above stated, shall be paid by Borrower to Lender In consecutive monthly Installments
commencing on September 20, 2009, and continuing on the 20th day of each month thereafter until August 20, 2024. Monthly payments of
principal and Interest shall be calculated and adjusted quarterly (provided the Lender reserves the right to change more frequently than
quarterly if necessary to avoid negative amortization) based upon the following: (1) Pennsylvania State Bank's Base Lending Rate plus
two percent (2.00%); (2) the principal remaining unpaid; and (3) the remaining amortization term of the loan.
Unless otherwise agreed or required by applicable law, payments will be applied first to any accrued unpaid Interest; then to principal; then to
any unpaid collection costs; and then to any late charges. The annual Interest rate for this Note Is computed on a 365/360 basis; that Is, by
applying the ratio of the annual Interest rate over a year of 360 days, multiplied by the outstanding principal balance, multiplied by the actual
number of days the principal balance is outstanding. Borrower will pay Lender at Lender's address shown above or at such other place as
Lender may designate In writing.
PREPAYMENT PENALTY; MINIMUM INTEREST CHARGE. In any event, even upon full prepayment of this Note, Borrower understands that lender
is entitled to a minimum Interest charge of $7.50. Upon prepayment of this Note, Lender Is entitied to the following prepayment penalty: If for
any reason you should prepay the Loan a prepayment penalty shall be Invoked. Such prepayment fee shall be payable at the time of
prepayment In an amount calculated by Lender equal to five percent (5%) of any amount prepaid during the first year of the Loan; four percent
(4%) of any amount prepaid during the second year of the Loan; three percent (3%) of any amount during the third year of the Loan; two
percent (2%) of any amount during the fourth year of the Loan and two percent (2%) of any amount during the fifth year of the Loan. Borrower
may prepay this Loan without penalty from internally generated funds, which shall Include the sale of the collateral. Other than Borrower's
obligation to pay any minimum interest charge and prepayment penalty, Borrower may pay all or a portion of the amount owed earlier than it is due.
Early payments will not, unless agreed to by Lender in writing, relieve Borrower of Borrower's obligation to continue to make payments under the
payment schedule. Rather, early payments will reduce the principal balance due and may result in Borrower's making fewer payments. Borrower
agrees not to send Lender payments marked "paid in full", "without recourse", or similar language. If Borrower sends such a payment, lender may
accept it without losing any of lender's rights under this Note, and Borrower will remain obligated to pay any further amount owed to lender. All
written communications concerning disputed amounts, including any check or other payment instrument that indicates that the payment constitutes
"payment in full" of the amount owed or that is tendered with other conditions or limitations or as full satisfaction of a disputed amount must be mailed
or delivered to; Pennsylvania State Bank, 2148 Market Street, P.O. Box 487 Camp Hill, PA 17001-0487.
- !II L. _ _L _____-' ..~ ^^^ftf _.a &..._ ___..1__1.. __...._.....1_-' __...___. _.. .t:n nn ....a...I_h......."'..
Loan No: 65000101
PROMISSORY NOTE
(Continued)
Page 2
ATTORNEYS' FEES; EXPENSES. Lender may hire or pay someone else to help collect this Note if Borrower does not pay. Borrower will pay Lender
that amount. This includes, subject to any limits under applicable law, lender's attorneys' fees and lender's legal expenses, whether or not there is a
lawsuit, including attorneys' fees, expenses for bankruptcy proceedings (including efforts to modify or vacate any automatic stay or injunction), and
appeals. If not prohibited by applicable law, Borrower also will pay any court costs, in addition to all other sums provided by law.
GOVERNING LAW. This Note will be governed by, construed and enforced In accordance with federal law and the laws of the Commonwealth
of Pennsylvania. This Note has been accepted by Lender In the Commonwealth of Pennsylvania.
DISHONORED ITEM FEE. Borrower will pay a fee to lender of $25.00 if Borrower makes a payment on Borrower's loan and the check or
preauthorized charge with which Borrower pays is later dishonored.
RIGHT OF SETOFF. To the extent permitted by applicable law, Lender reserves a right of setoff in all Borrower's accounts with lender (whether
checking, savings, or some other account). This includes all accounts Borrower holds jointly with someone else and all accounts Borrower may open in
the future. However, this does not include any IRA or Keogh accounts, or any trust accounts for which setoff would be prohibited by law. Borrower
authorizes lender, to the extent permitted by applicable law, to charge or setoff all sums owing on the indebtedness against any and all such accounts.
COLLATERAL. Borrower acknowledges this Note is secured by , among other things, a Mortgage and ~ecurity Agreement from Borrower to lender of
even date herewith and intended to hp recordP.d forthwith SAf:ur<>ri !Inon Dram;!;ps situ'lte Rt 41-A~ N Frnnt ~treet. StRAltnn Pa 17113 as rll'l!':criherl in
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Loan No: 65000101
PROMISSORY NOTE
(Continued)
Page 3
LENDER:
PENNSYLVANIA STATE BANK
x)~
Auttrd'flzed Signer
NOTICE TO COSIGNER
You are being asked to guarantee this debt. Think carefully before you do. If the borrower doesn't pay the debt, you will have to. Be sure
you can afford to pay if you have to, and that you want to accept this responsibility.
You may have to pay up to the full amount of the debt If the borrower does not pay. You may also have to pay late fees or collection costs,
which increase this amount.
The Lender can collect this debt from you without first trying to collect from the borrower. The Lender can use the same collection methods
against you that can be used against the borrower, such as suing you, garnishing your wages, etc. If this debt is ever In default, that fact may
become a part of YOUR credit record.
This notice is not the contract that makes you liable for the debt.
lASER PRO lending, Ver. 5.2-4 00 003 eopr, Harland Financial SoIutlonI, Inc 1991,2004. All Righ18 Re8erved . PA U;\lASERWIMCFI\l.PL\020 Fe TR.3574 PFl-CornmRE
DISCLO~ "=IE FOR CONFESSION OF I' ~DGMENT
Principal I' Loan Date I Maturity I' Loan No Calli Coli Account. J Officer I
$81.000.00 08~18~2004 08-20~2024 65000101 65000101 OWL
References in the shaded area are for Lender's use only and do not limit the applicability of this document to any particular loan or item.
Any item above containing "..." has been omitted due to text length limitations.
Initials
Borrower: Jose L Chacon (SSN: 210-54-4720)
Lisa K. Lamp-Chacon (SSN: 175-48-4377)
11 E. Manor Avenue
Enola, PA 17025
Lender:
PENNSYLVANIA STATE BANK
CORPORATE HEADQUARTERS
2148 Market Street
P. O. Box 487
Camp Hill, PA 17oo1-Q487
(717) 731-7272
Affiant:
Lisa K. Lamp-Chacon (SSN: 175-48-4377)
11 E. Manor Avenue
Enola, PA 17025
DISCLOSURE FOR CONFESSION OF JUDGMENT
I AM EXECUTING, THIS I ~ I'4DAY OF 11 fA q ~ 1- , 2Oi2!i A PROMISSORY NOTE FOR $81,000.00 OBLIGATING ME
TO REPAY THAT AMOUNT. I
A. I UNDERSTAND THAT THE NOTE CONTAINS A CONFESSION OF JUDGMENT PROVISION THAT WOULD PERMIT LENDER TO ENTER
JUDGMENT AGAINST ME IN COURT, AFTER A DEFAULT ON THE NOTE, WITHOUT ADVANCE NOTICE TO ME AND WITHOUT OFFERING ME
AN OPPORTUNITY TO DEFEND AGAINST THE ENTRY OF JUDGMENT. IN EXECUTING THE NOTE, BEING FULLY AWARE OF MY RIGHTS TO
ADVANCE NOTICE AND TO A HEARING TO CONTEST THE VALIDITY OF ANY JUDGMENT OR OTHER CLAIMS THAT LENDER MAY ASSERT
AGAINST ME UNDER THE NOTE, I AM KNOWINGLY, INTELLIGENTLY, AND VOLUNTARILY WAIVING THESE RIGHTS, INCLUDING ANY RIGHT
TO ADVANCE NOTICE OF THE ENTRY OF JUDGMENT, AND I EXPRESSLY AGREE AND CONSENT TO LENDER'S ENTERING JUDGMENT
AGAINST ME BY CONFESSION AS PROVIDED FOR IN THE CONFESSION OF JUDGMENT PROVISION.
"'::.:::::::.::z::::::(J.,,::::::'-,_:::::'_:?i~
INmALS: ~~t.~.;:
B. I FURTHER UNDERSTAND THAT IN ADDITION TO GIVING LENDER THE RIGHT TO ENTER JUDGMENT AGAINST ME WITHOUT ADVANCE
NOTICE OR A HEARING, THE CONFESSION OF JUDGMENT PROVISION IN THE NOTE ALSO CONTAINS LANGUAGE THAT WOULD PERMIT
LENDER, AFTER ENTRY OF JUDGMENT, AGAIN WITHOUT EITHER ADVANCE NOTICE OR A HEARING, TO EXECUTE ON THE JUDGMENT BY
FORECLOSING UPON, AlTACHING, LEVYING ON, TAKING POSSESSION OF OR OTHERWISE SEIZING MY PROPERTY, IN FULL OR PARTIAL
PAYMENT OF THE JUDGMENT. IN EXECUTING THE NOTE, BEING FULLY AWARE OF MY RIGHTS TO ADVANCE NOTICE AND A HEARING
AFTER JUDGMENT IS ENTERED AND BEFORE EXECUTION ON THE JUDGMENT, I AM KNOWINGLY, INTELLIGENTLY AND VOLUNTARILY
WAIVING THESE RIGHTS, AND I EXPRESSLY AGREE AND CONSENT TO LENDER'S IMMEDIATELY EXECUTING ON THE JUDGMENT, IN ANY
MANNER PERMITTED BY APPLICABLE STATE AND FEDERAL LAW, WITHOUT GIVING ME ANY ADVANCE NOTICE.
INfTlALS:::n~E+
C. AFTER HAVING READ AND DETERMINED WHICH OF THE FOLLOWING STATEMENTS ARE APPLICABLE, AND BY PLACING MY INITIALS
NEXT TO EACH STATEMENT WHICH APPLIES, I REPRESENT THAT:
INITIALS
1. I WAS REPRESENTED BY MY OWN INDEPENDENT LEGAL COUNSEL IN CONNECTION WITH THE NOTE.
~ 2. A REPRESENTATIVE OF LENDER SPECIFICALLY CALLED THE CONFESSION OF JUDGMENT PROVISION IN THE NOTE TO MY
AlTENTION.
D. I CERTIFY THAT MY ANNUAL INCOME EXCEEDS $10,000; THAT THE BLANKS IN THIS DISCLOSURE WERE FILLED IN WHEN I INITIALED
AND SIGNED IT; AND THAT I RECEIVED A COPY AT THE TIME OF SIGNING.
THIS DISCLOSURE IS GIVEN UNDER SEAL AND IT IS INTENDED THAT THIS DISCLOSURE IS AND SHALL CONSTITUTE AND HAVE THE
EFFECT OF A SEALED INSTRUMENT ACCORDING TO LAW.
AFFIANT:
~"
. ../" /
~~.A~
~a:.~~con
(Seal)
LASER PRO llIndlng, Ver 5.24.00.003 Copt Harland Flf\a!\CtaI Sotut\QI'IlI, Inc:. 1997,2004 All Rights Resented . PA M:\lASERWIMCR\lPL\030.FC TR-3574 PR-ContmRE
DISCLO~ '=IE FOR CONFESSION OF I' "DGMENT
Principal. I- Loan Date I Maturity I' Loen No CallI Coli Ac,count. J Officer I
S81,000.00 08-18-2004 08-20-2024 65000101 65000101 OWL
References in the shaded area are for Lender's use only and do not limit the applicability of this document to any particular loan or item.
Any item above containing ".*." has been omitted due to text length limitations.
Initials
Borrower: Jose L. Chacon (SSN: 210-54-4720)
Lisa K. Lamp-Chacon (SSN: 175-48-43n)
11 E. Manor Avenue
Enola, PA 17025
Lender:
PENNSYLVANIA STATE BANK
CORPORATE HEADQUARTERS
2148 Market Street
P. O. Box 487
Camp Hill, PA 17001-0487
(717) 731-7272
Affiant:
Jose L. Chacon (SSN: 210-54-4720)
11 E. Manor Avenue
Enola, PA 17025
DISCLOSURE FOR CONFESSION OF JUDGMENT
I AM EXECUTING, THIS 18/A7DAY OF Au 0 v J f , 20 /)Lj, A PROMISSORY NOTE FOR $81,000.00 OBLIGATING ME
TO REPAY THAT AMOUNT. I
A. I UNDERSTAND THAT THE NOTE CONTAINS A CONFESSION OF JUDGMENT PROVISION THAT WOULD PERMIT LENDER TO ENTER
JUDGMENT AGAINST ME IN COURT, AFTER A DEFAULT ON THE NOTE, WITHOUT ADVANCE NOTICE TO ME AND WITHOUT OFFERING ME
AN OPPORTUNITY TO DEFEND AGAINST THE ENTRY OF JUDGMENT. IN EXECUTING THE NOTE, BEING FULLY AWARE OF MY RIGHTS TO
ADVANCE NOTICE AND TO A HEARING TO CONTEST THE VALIDITY OF ANY JUDGMENT OR OTHER CLAIMS THAT LENDER MAY ASSERT
AGAINST ME UNDER THE NOTE, I AM KNOWINGLY, INTELLIGENTLY, AND VOLUNTARILY WAIVING THESE RIGHTS, INCLUDING ANY RIGHT
TO ADVANCE NOTICE OF THE ENTRY OF JUDGMENT, AND I EXPRESSLY AGREE AND CONSENT TO LENDER'S ENTERING JUDGMENT
~~:.~~ g@:~IG*fSSION AS PROVIDED FOR IN THE CONFESSION OF JUDGMENT PROVISION.
B. I FURTHER UNDERSTAND THAT IN ADDITION TO GIVING LENDER THE RIGHT TO ENTER JUDGMENT AGAINST ME WITHOUT ADVANCE
NOTICE OR A HEARING, THE CONFESSION OF JUDGMENT PROVISION IN THE NOTE ALSO CONTAINS LANGUAGE THAT WOULD PERMIT
LENDER, AFTER ENTRY OF JUDGMENT, AGAIN WITHOUT EITHER ADVANCE NOTICE OR A HEARING, TO EXECUTE ON THE JUDGMENT BY
FORECLOSING UPON, AlTACHING, LEVYING ON, TAKING POSSESSION OF OR OTHERWISE SEIZING MY PROPERTY, IN FULL OR PARTIAL
PAYMENT OF THE JUDGMENT. IN EXECUTING THE NOTE, BEING FULLY AWARE OF MY RIGHTS TO ADVANCE NOTICE AND A HEARING
AFTER JUDGMENT IS ENTERED AND BEFORE EXECUTION ON THE JUDGMENT, I AM KNOWINGLY, INTELLIGENTLY AND VOLUNTARILY
WAIVING THESE RIGHTS, AND I EXPRESSLY AGREE AND CONSENT TO LENDER'S IMMEDIATELY EXECUTING ON THE JUDGMENT, IN ANY
:::..:::~: jjB:wr APPLICABLE STATE AND FEDERAL LAW, WITHOUT GIVING ME ANY ADVANCE NOTICE.
C. AFTER HAVING READ AND DETERMINED WHICH OF THE FOLLOWING STATEMENTS ARE APPLICABLE, AND BY PLACING MY INITIALS
NEXT TO EACH STATEMENT WHICH APPLIES, I REPRESENT THAT:
INITIALS
1. I WAS REPRESENTED BY MY OWN INDEPENDENT LEGAL COUNSEL IN CONNECTION WITH THE NOTE.
~. 2. A REPRESENTATIVE OF LENDER SPECIFICALLY CALLED THE CONFESSION OF JUDGMENT PROVISION IN THE NOTE TO MY
AlTENTlON.
D. I CERTIFY THAT MY ANNUAL INCOME EXCEEDS $10,000; THAT THE BLANKS IN THIS DISCLOSURE WERE FILLED IN WHEN I INITIALED
AND SIGNED IT; AND THAT I RECEIVED A COPY AT THE TIME OF SIGNING.
THIS DISCLOSURE IS GIVEN UNDER SEAL AND IT IS INTENDED THAT THIS DISCLOSURE IS AND SHALL CONSTITUTE AND HAVE THE
EFFECT OF A SEALED INSTRUMENT ACCORDING TO LAW.
AFFIANT:
~Ch!. &:~
(Seal)
LASEFI PRO LendIng. Ver, 52400.003 Copt /illrland FInane'.1 Sotutlon8, Inc 1997. 2004 All Flrgtlla Fleaerved. . PA "" \LASERWIMCFI\LPl\D3Q Fe fR-3574 PR-CornRlRE
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Plaintiff
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
NO. 04-5661 CIVIL TERM
PENNSYLVANIA STATE BANK
V.
JOSE L. CHACON and LISA K. LAMP-CHACON
Defendant
CIVIL DIVISION - LAW
PRAECIPE
TO THE PROTHONOTARY:
Please mark the above-captioned Judgment as settled and satisfied in full.
Dated: Mav 15. 2006
TO: Cumberland County
Prothonotary
Robert D. Kodak
Attorney 1.0. No. 18041
Attomey for Plaintiff
3-04-0324
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