The URL can be used to link to this page

Home My WebLink About06-30-14 _ NOTICE OF CLAIM (Filed Pursuant to 20 Pa.C.S. § 3532) COURT OF COMMON PLEAS OF Cumberland • COUNTY, PENNSYLVANIA ORPHANS' COURT DIVISION ESTATE OF Karen Eby , DECEASED No. 21-2013-0481 To the Clerk of the Orphans' Court Division: Enter the claim of Metro Bank a.mout�t of$ 921.64 (�'lajmantJ in the , against the above entitled Estate. The Decedent, who resided at 1495 Simpson Ferry Road New Cumberland, PA 17070 (Street Address) , died on 4/17/2014 . Written notice of said claim was given to Norman Eby Jr. and Deidre Kerstetter �Date ofDeath) at 109 Colonial Ct. Wellsville PA 17365 and 805(SrSGe Rers sChurc�rRd eMiddletown PA 17057 on June 11� 2014. (Address) (Dare) �,'�, etTO BarilC (Claimant) 3801 Paxton Street (Street AddressJ �� x Harrisburg, PA 17111 (City,State,Zip) (Clarmanf's Counsel) (Supreme Court I.D.No.) N (Address) �_' �1 c� s ;r� r-,� K.w �, �� c� -�� :� � `::' �� ..e. - :� ..� -',? ,:_ � � r:_s _ �__ W ,o �-rj (7'elephoneJ " � . � � ��3 ._. .,.� _ ,_., ,,•-, � � .7 �'.`: :...:? '"`T� , "�l "�1 r.-� r.�� ,.0 3 __ �� C_ �a -�: C7 _ � � �J rn �_ Form OC-07 rev. IOJ3.06 � � � � � � � _ � Lisa M. Grayson, Esq. Register of Wills& Clerk of Orphans'Court � .�,3,�u,��,,, One Courthouse Square, Suite 102 Marjorie A. Wevodau ��1- ' Carlisle,PA 17013 First Deputy '� ` a Phone: (717)240-6345 Wayne M.Pecht, Esq. �� ``�� Fax: (7l7)240-7797 Solicitor OFFICES OF �� w� � e�� e�� and G�u� RESPONSE TO RESEARCH REQLTEST May 19, 2014 NAME TO BE RESEARCHED KAREN EBY � AN ESTATE WAS LOCATED Decedent Name: Karen Ebv Estate No.: 21-2013-0481 Date Filed: April 26 2013 Date Granted: April 26 2013 Personal Representative: Norman Ebv Jr Address: Deidre Kerstetter 109 Colonial Ct 805 S Ge ers Church Rd City, State, Zip: Wellsville PA 17365 Middletown PA 17057 Attorney Name: No Attornev on Record Address: City, State, Zip: Telephone: ❑ NO RECORD OF PROBATE ❑ NEED MORE INFORMATION TO CONDUCT SEARCH ❑ FEE REQUIRED. Please forward a check in the amount of $5 per name to be searched. Make check payable to Register of Wills and included a self-addressed stamped envelope. � YOUR RECEIPT IS ENCLOSED. ❑ COMMENTS: NOTE: The fee to file a claim against an estate is $10. See our website for the Notice of Claim form. (www.cc a.net - search for Notice of Claim) 1 r . ....,. � {r�'�.. i PROMISSORY NOTE AND DISCLOSURE Principal Loan Date Maturity Loan No $2,500.00 12-20-2011 12-2p_2014 100119365 catl/Coli Account Officer Initials References in the boxes above are for Lender's use only and do not limit the applicability of this document to an 107 2 Any item above containing"w��has been omitted due to text length limitations. Y Pa��cular loan or item. Borrower: Karen E.Eby 1495 Simpson Ferry Road Lender: Metro Bank New Cumberland, PA 17p7p Cedar Cltff 1102 CaNisle Road Camp Hil,PA 7 7011 (717)909-3200 ANNUAL PERCENTAGE FlNANCE CHARGE RATE The dollar amount the credit �u� Frt�rloed TCt�11 Of P8yryl�rytg The cost of my credit as a will cost me. The amount of credit The amount I witl have yearly rate. behaded to me or on my after I have made all ��d 12.240% payments as scheduled. $500.24 $2,500.00 $3,000.24 PAYMENT SCHEDULE. My payment schedule will be 36 monthly payments of$83.34 each, beginning January 20,2012. PREFERRED RATE FEATURE. The interest rate on this loan includes a preferred rate reduction. If the preferred rate reduction is terminated,the interest rate on my loan will increase to 12.740%. The increase wiil take the form of higher payment amounts. Following is a description of the event that would cause the preferred rate reduction to terminate. Description of Event That Would Cause the Preferred Rate Reduction to Terminate. IF THE AUTOMATIC PAYMENT IS DISCONTINUED BY THE BORROWER OR THE LENDER. How The New Rate Will Be petermined Upon Tertnination of the Preferred Rate Reduction. THE INTEREST RATE WILL INCREASE BY ONE-HALF OF ONE PERCENT(.500%). EXAMPLE OF EFFECT OF INTEREST RATE INCREASE. If the interest rate increased by 0.500% on February 2p, 2012, my regular paytnents would incxease to$83.91. SECURITY. This loan is unsecured,except Lender has reserved a contractual right of setoff in my deposit accounts. LATE CHARGE. If a payment is 16 days or more late, I will be charged 5.000%of the r�egularly scl�dWed p�y��, PRQ'AYN!?TIT. if I pay off early, I will not have to pay a penalty. I witi look at my contract documents for any additional infomiation about non a scheduled date,and prepayrnent refunds. a P Yment, default, any required repayr�nt in full before the Amount Financed Itemization Amount paid to others on my behalf: $2,500.00 to Deidre Kerstetter $2,500.00 Note PrincipaL• $2,500.00 Prepaid Finance Charges: $0.00 Amount Financed: $2,500.00 Principal Amount: $2,500.00 Interest Rate: 12.240% Date of Note: December 20, 2011 PROMISE TO PAY. I "Borrower" Maturity Date: December 20, 2014 ( ) promise to pay to Metro Bank ("Lender"), or order, in lawful money of the United States of America, the principal amount of Two Thousand Five Hundred & 00/100 Dollars ($2,500.00), together wlth interest on the unpaid principal balance from December 20, 2011, calculated as described in the "INTEREST CALCULATION METHOD" paragreph using an interest rate of 12.240% per annum, untit patd in full. The interest rate may change under the terms and conditions of the "PREFERRED RA'i'E REDUCTION" section. The interest rate may also change under the terms and conditlons of the "INTEREST AFTER DEFAULT"section. Unless waived by Lender, any increase in the interest rate will increase the amounts of my payments. PAYMENT. I will pay this loan in 36 payments of 383.34 each payment. My first payment is due January 20, 2012, and all subsequent payments are due on the same day of each month after that. My final payment will be due on December 20, 2014, and will be for ail principal and all accrued interest not yet paid. Payments include principal and interest. Unless otherwise agreed or required by applicable law, payments will be applied to any accrued unpafd interest; then to unpaid principal;then to any escrow or reserve account payments as required under any mortgage, deed of trust, or other security instrument or security agreement securing this Note; then to any voluntary credit life and disabiBty insurance premlums;then to any late charges;and then to any unpaid collection costs. RECEIPT OF PAYMENTS. Ail Payments must be made by a check, automatfc account debit, electronic funds transfer, money order, or other instrument in U.S. dollars and must be received by us at the remittance address shown on your billing statement. Payments received at that address prior to 6:00 P.M. EASTERN on any business day will be credited to your Loan as of the date received. If we receive payments at other locations,such payments wfll be credited promptly to your Loan,but credtting may be delayed for up to five(5) days after receipt. For payment purposes,every day Is a business day,except Saturday,Sunday and Federal holidays. I witl pay Lender at Lender's address shown above or at such other place as Lender may designate in writing. PREFERREp RATE REDUCTION. The interest rate on this Note includes a preferred rate reduction. Following is a description of the event that . , ,.._ . . �� PROMISSORY NOTE AND DISCLOSURE .Loan No: 100119365 (Continued) Page 2 would cause the preferred rate reduction to terminate, how the new rate wfll be determined upon termination of the preferred rate reduction and any rules pertaining to the termination of the rate reduction. Description of Event That Would Cause the Preferred Rate Reduction to Termtnate. IF THE AUTOMATIC PAYMENT IS DISCONTINUED BY THE BORROWER OR THE LENDER. How The New Rate w��ge petermined Upon Tertnination of the Preferred Rate Reduction. THE INTEREST RATE WILL INCREASE BY ONE-HALF OF ONE PERCENT(.500%). Rules. THERE IS AN ADMINISTRATIVE FEE OF$25.00 WHICH BORROWER WILL PAY IN CASH OR LENDER WILL ADVANCE FROM THE LOAN. INTEREST CALCULATION METHOD. Interest on this Note is computed on a 365/365 simple interest basis; that is,by appfying the ratio of the interest rate over the number of days in a year, multiplied by the outstanding principal balance, multiplied by the actual number of days the principal balance(s outstanding. All Interest payable under this Note is computed ustng this method. PREPAYMENT. I may pay without penalty all or a portion of the amount owed earlier than it is due. Eari by Lender in writing,�elieve me of my obligation to continue to make payments under the payment schedule. Rather,eari y payments wiil not, unless agreed to the principal balance due and may result in my making fewer payments. I agree not to send lender payments marked "paid in full", "without recourse", or similar language. If I send such a payment, Lender may accept it without losing any of Lender's rights undepthis N eWand�l will rerrrain obligated to pay any further amount owed to Lerxier, q��written corrrnuniqtions��ing disputed arnounts, induding any chedc a. other payrnent instrument that indicates that the payrrient constitutes "payment in full" of the amount oweq or that is tendened Hrith other conditions or Iimitations or as full satisfaction of a disputed amount must be mailed or delivered to: Metro Bank, PO Box 4999 Harrisburg, pq 17111-9933. LATE CHARGE. If a payment is 16 days or more late, I will be c�arged 5,000%aF the regtdar�y sd�� AFl82 DEEFAULT. Upon maturity, whether scheduled or accelerated by Lender because of my default, the interest rate on this Note shall be increased by 2.000 percentage points. If judgment is entered in connectlon with this Note, interest will continue to accrue after the date of judgment at the rate in effect at the time judgment is entered. However, in no event will the interest rate exceed the maximum interest rate limitations under applicable law. DEFqULT. I will be in default under this Note if any of the following happen: Payment Default. I fail to make any payment when due under this Note. Break Other Promises. I breali any promise made to Lender or fail to perform promptly at the time and strictly in the manner provided in this Note or in any agreement related to this Note,or in any other agreement or loan I have with Lender. Default In Favor of Thlyd Parties. I or any Grantor defaults under any loan, extension of credit, security agreement, purchase or sales agreement; or any other agreement, in favor of any ather creditor or person that may materially affect any of my property or my ability to repay this Note or pertorm my obligations under this Note or any of the related documents. False $tatements. Any representation or statement made or fumished to Lender by me or on my behatf under this Note or the related documents is false or misleading in any material respect,either now or at the time made or fumished. Death or Insolvency. Any Borrower dies or becomes insolvent;a receiver is a for the benefit of creditors;or any proceeding is commenced either by me or aga nst me under any bankruptcy or i solvency laws. y pro e I make an assignment Taking of the Property. Any creditor or govemmental agency tries to take any of the prope rt y or any other of my property in which Lender has a lien. Thls inclu des ta king of, gamishing of or lerying on my accounts with Lender. However, if I dispute in good faith whether the claim on which the taking of the property is based is valid or reasonable,and if I give Lender written notice of the claim and furnish Le�der with monies or a surety bond satisfactory to Lender to satisfy the claim,then this default provision will not apply. Events Affecting Guarantor. Any of the preceding events occurs with res ect to an of any of the indebtedness or any guarantor, endorser, surety, or acc mmodation paartynd�es or�becomes encompet nm o�d et ok sa or disputes the validity of, or liability under,any guaranty of the indebtedness evidenced by this Note. Insecurity. Lender in good faith befieves itself insecure. Cure Provisions. If any default, other than a default in payment is curable and if I have not been given a notice of a breach of the same provision of this Note within the preceding twelve (12) months, it may be cured if I, after Lender sends written notice to me demanding cure of such default: (1) cure the default within fifteen (15)days; or (2) if the cure requfres more than fifteen (15)days, immediately initiate steps which Lender deems in Lender's sole discretion to be su�cient to cure the default and thereafter continue and complete all reasonable and necessary steps sufficient to produce compliance as soon as reasonably practical. LENDER'S RIGHTS. Upon default, Lender may, after giving such notices as required by applicable law, declare the entire unpaid principal balance under this Note and all accrued unpaid interest immediately due,and then I will pay that amount. ATTORNEYS'FEES; EXPENSES. Lender may hire or pay someone else to help collect this Note if I do not pay. I will pay Lerider that amourrt. This indudes,subject to any limits under a is a lawsuit, including reasonable attomeysPfee�s,expe ses for bankr ru�tc��e attorneys'fees an�{�enders legal expenses,wFiether or not there or injunction),and appeals. If not prohibited by applicable law, I also will pa�an�y co urt coststlin add�on to Il�ot e�sumsaprovi e by law'c stay JURY WAIVER. Lender and I hereby waive the right to a�y jury trial in any actlon, proceeding,or counterclaim brought by elther Lender or me agalnst the other. GOVERNING LAW. This Note will be govemed by federal law applicable to Lender and,to the extent not preempted by federal law,the laws of the Commonwealth of Pennsylvanla without regard to Its conflicts of law provisions. This Note has been accepted by Lender in the Commonwealth of Pennsylvania. CHOICE OF VENUE. If there is a lawsuit, f agree upon Lender's request to submit to the jurisdiction of the courts of Dauphin County, Commonwealth of Pennsylvania. RIGHT OF SETOFF. To the extent permitted by applicable law, Lender reserves a right of setoff in all my accounts with Lender (whether checking,savings,or some other account). This includes all accounts I hold jointly with someone else and all accounts I 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, I authorize Lender,to the extent permitted by applicable law, to charge or setoff all sums owing on the debt against any and all such accounts. COLLATERAL, This loan is unsecured. _ .,, . .,,o� � if� ' � �-.. PROMISSORY NOTE AND DISCLOSURE �.oan No: 100119365 (Continued) Page 3 ERROR& OMISSION AGREEMENT. The Undersigned Borrower(s)for and in consideration oi the above referenced loan agrees, is requested by Lender or Closing Agent for Lender, to fulty cooperate and adjust for cierical errors, on any or all loan closing documentation if deemed necessary or desirable in the reasonable discretion of Lender or Closing Agent for Lender. The Borrower(s) agree to promptly execute any corrected documents at Lender Address. The Undersigned Borrower(s) does hereby so agree and covenant in order to assure that the loan documentation executed this date will conform and be acceptable by Lender or its interest in and to the loan documentation. The Undersigned Borrower(s) failure to comply with a request under this Agreement by Lender or Ciosing Agent for Lender may, at the option of Lender, constitute a DEFAULT by Borrower(s)under the loan documents enforceable against Borrower(s)and which is in addition to any other remedies available at law or in equiry to Lender. SUCCESSOR INTERESTS. The terms of this Note shall be binding upon me, and upon my heirs, personal representatives, successors and assigns,and shall inure to the benefit of Lender and its successors and assigns. NOTIFY US OF INACCURATE INFORMATION WE REPORT TO CONSUMER REPORTING AGENCIES. I may notify Lender if inaccurate information about my account(s)to a consumer reporting agency. My written notice describing the specific inaccuracy(ies)should be sent to Lender at the following address:Metro Bank PO Box 4989 Harrisburg,PA 171 11-9933, Lender reports any GENERAL PROVISIONS. If any part of this Note cannot be enforced,this fact will not affect the rest of the Note. Lerxier ma enforcing any of its rights or rerr�edies under this Note without losing them. I and any other person who signs, guarantees or endorses this Note, to the extent allowed by law, waive presentment, dertiand for payment, and notice of dishonor. Upon any change in the�t�errri of�t gs Note, and unless otherwise expressly stated in writing, no party who signs this Note, whether as maker, guarantor, accommodation maker or encJorser, shall be released from liability. All such parties agree that Lender may renew or extend (repeatedly and for any length of time) this loan or release any party or guarantor or collateral; or impair, fail to realize upon or pertect Lender's security interest in the coliateral. All such parties also agree that Lender may modify this loan without the consent of or notice to anyone other than the party with whom the modification is made. The obligations under this Note are joint and several. This means that the words "I", "me", a�d "my" mean each end all of the persons signing below. PRIOR TO SIGNING THIS NOTE,I READ AND UNDERSTOOD ALL THE PROVISIONS OF THIS NOTE. I AGREE TO THE TERMS OF THE NOTE. I ACKNOWLEDGE RECEIPT OF A CqMPLETED COPY OF THIS PROMISSORY NOTE AND DISCLOSURE. THIS NOTE IS GIVEN UNDER SEAL AND IT IS INTENDED THAT TH13 NOTE IS AND SHALL CONSTITUTE ANp HAVE THE EFFECT OF A SEALED INSTRUMENT ACCORDING TO LAW. BdRROWER: X ' � Karen E.Eby Seal) lA.4FROOn ��'__.._______ 001 G p H MM FMwm�al Sd Ilon I 1997 1017 All R ht q b �tl PA$1CFNPL1�70 FC TR 3516'!PR 2Y0