HomeMy WebLinkAbout05-2676
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
LEBANON FEDERAL CREDIT
UNION,
Plaintiff,
CIVIL DIVISION
vs,
ERIN KANTES,
Defendant.
No.:
66- Ju' 7t,
~
COMPLAINT IN CIVIL ACTION
Code: 010 . Contract
Filed on Behalf of:
LEBANON FEDERAL CREDIT
UNION,
Plaintiff
Counsel of Record for this
Party:
GEORGE A. MILLER, Esq.
BROMBERG & MILLER
PA I.D. # 22525
1106 FIFfH AVENUE
PITTSBURGH, PA 15219
(412) 232.0440
File 57011
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
LEBANON FEDERAL CREDIT
UNION,
Plaintiff,
CIVIL DIVISION
vs,
ERIN KANTES,
Defendant.
No.:
COMPLAINT IN CIVIL ACTION
Code: 010 - Contract
Filed on Behalf of:
LEBANON FEDERAL CREDIT
UNION,
Plaintiff
Counsel of Record for this
Party:
GEORGE A. MILLER, Esq.
BROMBERG & MILLER
PA 1.0. # 22525
1106 FlFfH AVENUE
PITTSBURGH, PA 15219
(412) 232-0440
File 57011
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYL VANIA
CIVIL DIVISION
LEBANON FEDERAL CREDIT
UNION,
Plaintiff,
CIVIL DIVISION
vs,
ERIN KANTES,
Defendant.
No.:
COMPLAINT IN CIVIL ACTION
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 judgmenl may be entered against
you by the court without further notice for any money claimed in the complainl 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 TO FIND WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY BAR ASSOCIATION
32 S. BEDFORD STREET
CARLISLE, PA 17013
Telephone: (717) 249-3166-800-990-9108
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
LEBANON FEDERAL CREDIT
UNION,
Plaintiff,
CIVIL DIVISION
VS.
ERIN KANTES,
Defendant.
No.:
OS-';<67&
~.J~
COMPLAINT IN CIVIL ACTION
Plaintiff, LEBANON FEDERAL CREDIT UNION, brings this action
against the DEFENDANT, ERIN KANTES, and states the following:
1. The Plaintiff, LEBANON FEDERAL CREDIT UNION, is located
at 300 Schneider Drive, Lebanon, PA 17042.
2. The Defendant, ERIN KANTES, is an individual residing at
7 Oakwood Ct., Camp Hill, PA 17011.
3. Defendant defaulted on a Pennsylvania Motor Vehicle
Installment Sale Contract dated August 13, 2004, for the purchase
of a 2002 Saturn SC2 Coupe automobile, and after voluntary
surrender of the automobile, Defendant left an unpaid balance of
EIGHT THOUSAND TWO HUNDRED NINETY FIVE AND 88/100 DOLLARS
($8295.88), a copy of the Contract, Repossession Report,
Agreement of Sale from Klick-Lewis Auto,
being attached hereto
as Exhibit "A".
4. Defendant has failed to honor this obligation despite
numerous efforts made by the Plaintiff. Plaintiff intends to
offer the attached exhibits into evidence at trial under Pa. R.
Civ. Proc. Rule 1305, to the extent applicable.
5. The principal unpaid balance is totals EIGHT THOUSAND
TWO HUNDRED NINETY FIVE AND 88/100 DOLLARS ($8295.88).
WHEREFORE, Plaintiff, LEBANON FEDERAL CREDIT UNION, demands
judgment of the Defendant, ERIN KANTES, in the sum of EIGHT
THOUSAND TWO HUNDRED NINETY FIVE AND 88/100 DOLLARS ($8295.88),
plus interest, applicable legal fees, and costs of suit.
Respectfully submitted,
/G~r, Esq.
BROMBERG & MILLER
Attorney for Plaintiff
1106 Fifth Avenue
Pittsburgh, PA 15219
(412) 232-0440
-2-
VERIFICATION
The undersigned, \N~l\'\...... J, ~-MMOn
verify that he/she is the Vir e P(/J.,iJRn-l- ~{\J;~
herein, that he/she is authorized to make t lS
, does hereby
of plaintiff
verification on
behalf of the Plaintiff, and that the facts contained in the
foregoing Complaint in civil Action are true and correct to the
best of her/his knowledge and belief.
This statement is made subject to the penalties of 18
Pa.C.S. Section 4904, relating to unsworn falsifications to
authorities.
-1J)LP~A~~~
J~f~J~
LEBANON FEDERAL CREDIT UNION
Sent :3y: Lebanon Federal Credit Union,' 717 272 7014,'
Mar-' -05 12:44PM; Page 1
IF DEBT CANCElLATION lIS ISUI..U. '" ...., I'U'n:. "'''''~''''''''''~ ...,,~ ,,~..__..._.,.
FOR DEBT CANCELLATION MUS ACCOMPANY THIS CONTrtACT.
D-f\~ ~.
fORM'PA 23DC,StC 131031 SIM~lE INTEREST
PEMIISYlVAHIA ;
MOTOR VEHICLE INSTAllMENt SALE CONTRACT,
\
'_.-
D.ted_.IlS/13/210-L-
AN NUAL
PERCENTAGE RATE
The c~l af your cred~ as
. y..tty rate.
fiNANCE
CHARGE
. tne dollar amount the
~rP.dit '4liU cost ~nu,
Amount Financed
The amDurrt oi r:redilpfOvlderl
to you or on your behalf.
Total of Payment
lh. .mount you witl h . paid ,tier you
have made aU schedu ~ payments,
17.59 % $ 6499.10
I 12737,50
S 19236. 60
Your Payment Schedl.lls will be: (,
No. of Payments Amount,,! fiymem When PilYITIl!f1ls "I'e Due
&;11 $ ':1M' l: I MOOlhl" bt~nni" raq/1'H?M4
$ ; a~
filincre..:$_. 'I '" _
Late Charge: It, p'lm..I;, IIt'iyou will be ch"g0ll2% of 1ll'llOrtionotthe Pllmentwhich is 1.le (creach month. cr p,
See ttelGW and any ather eontr_ct documen1's tor any additional in1olmltion about nonpayment, default ~nY required
refunds and penalties. ~.
Total Sale Price
The total castul ynurpurchase on
credit. including ypur downpayml:!nt
oIS__ .11I0_
$ 19236,60
SIcurity: You re g\vini "4 ~QcurilY Intl!rcst in Ihe motor veh'll~l(! being
purchased.
. Pre~rmal1t: If u payoff early, you will no.tIl8ve.t6 PIIY it pf!nalty,
KLICK 1.OIS AUTO CREDIT CENTER
In th~ Contract see e It"b ST
weue '
th,SfLLfR._P,\I.IIYRA '__ PA 17!'l!.-
Name" Address
ERIK ICA.ES
1 OAKW~ COURT
CAIlP_HI~_
N.mels) ;
of a month greater than 10 days, that rl remains vnpaid.
'plymenl in tull h,fure tho scheduled lIat. 'M prep.ymenl
e meansestimatll
.'-. ._, -'lip Code .
County ~UKBER1.A~ _ _,.
Ynuare
rhe BUYER(SI.
-H... 17011
Add''''lesj-'-
Counw_
If there is more than one BUY9r',e'ch promises, separately and togetf1~r, t~ PlY aU surtrS due us and to perform ,11 agreer
;DIl'p,ADE.IN: .-
-'ou have traded ill i:
th"ollowing ...hicle:
-Zip Codel')'
nU in this Cuntt'1r:t.
I
Year and ~akB
I
It a hatance is still owing on the v.icle you have traded in, the ~lI~r will payoff this amount Dn ~Ol.lr behalf, You warrant a represent to us that
any trade-in is free from lien, Clalr1:enr.umhrance DC securitJ' lnte:rest. except at sno'ft'l'\", tho Item\ra.11oo M Amoun\ .F~anced the :Uen I'ayoft...
PROrU7Y INSUItANCE: You mar choose the person through whom insuranc~ i~ obtained 3Rainst loss or damage to t Vehicle and against
lIabilitv ariringout 0/ U$l or owne4hifl nftlte Venicla.ltl \hisConlfact y(\U l{eproJ\\isi~g~ iMUt! the Ythicle and keep it iT red,
~ ,.
DEBT cUCEUATlDN (GUARAf(TEED AUTO PROTECTION) AGREEMENT IS VDLUNTARY AND NDT REQUIRED AS A ONDITION OF THE
CREDIT. This aerument ...,ill "Qt!~ provirlp.rl unless. you $ii:!t below. I!.IU"~ t~ l\Iy the addioona' ChaTte, and sign the it )3rate disclosure and
.agtAAment P3ie, which is part of,this Conlrmct Thi! lIir!effient will apply dUring the entire term of the Contract. This agr ment may not r.over
your entire indebtedness; see the: _~AXIMUM PROTECTION amount ~~d In tfle separate ~is:cIO$urB Ind agreellltlflt.
Type of Vebl Cancell.ti", Agr..ment Ch'rgf SIgnature
GUI'arl\~d auto prolecti",\ (GAI'l $ By 'ilning. you "led gu."nleed uta protection
Oescription
ItA
Sii,nlllutf! of'Buyer
-
SUVICE CDNTRACT OR WARRA'TY AGREEMENT IS VOLUNTARY AND NOT REQUIRED AS A CONDITION OF 1HE CREO
or warraQty agreement will not bit provided unless you sign the separate agreement with the tnlrd pa!'b' providtlf, who i
aboVe. IInd agree 1.0 pay the addiDonal charge. This se(Uon does not ~IJP/y lu any warnr'lty that you mily rllccivc for whi
chl\r~.. '
CReDIT INSURANCE IS NOT REQUIRfP: Credit life Insurance and Credit Accident & Ho.1th (Di5ability) Itl~'.nlOce at~
crodi\ and "'\1\1)1 be p,"'Id.d ~nless jilU ~gn below ,,~ ~gr.. to p" Ih. .ddmonal cu.II'j. PI"" read tho NOTICE
INSURANCE till the reverse sido{Your insuranCC certificate Or policy will tell YOlJ the MAXIMUM amount of insurance
purchased will be for the term of !fill credit We mav receive a fil'la.tlf.ilt benefit from ynurp\lH:t\ase ot credit in'Surance,
8y signing. Y(lf,j select Single Cr~lflire Insurance, What is your 8y sisninli. ~ou !elect Single Ctcdit Accident &
whiCllcosts$_u #,__;:_ ag:c?_ Years HelllthJn$\.H"'ICIl,whichcosls$ ,
KA ;
NA
,The s.cr~ice '<:\)11\11C.1
not the Seller named
there J5 oul separate
fit required to obtain
F PRoposED CRFDIT
lilable, All insurllnc:e
Whatisvour
illto? _Years
Signalureol'~UVf1to l>ei":!I:u~forSi.ngleCredjtkcitJtll & Huftli i~
Signature oi liuyer to be insured fIr SJngle Credit Wle Insurance
8y signing. ~IlU bot'" select Joint ~:.
CrcditUfe Insurance, which cnsls'
W"~t an~
your nl!S!
By s.lQIIltlg. VOl! bnth ~lett l~!li CrtOlt
Accident & Haath Insurance, wl1ich com $
'""NA
KA
L
~ate Pl!rt't!ntag~
our ages? to be
msured
-,
IF YOU DO NOT MEn YOU~ CDNTR!Cl
06urJ.TIONS, YOU MAY lOSE THE M01DR
VEHICLE ANO PROPERTY 1HAI YOU
BDUGHT WIIH THIS CDNlRACI ANUIOR
MONEY ON DEPOSn WITH THE ASSIGNEl.
This Contr.lct is between Sdter ,nd BUler. ~I
dlSChsures have been madl;! by ~r. Selltr
;mend, 10"';1\1 tI1is lllnlract 10 tho Assign".
Itemization of Amount Financed
Cash "rice inc ti rvic~ -
~~dlor.lrrln~elinthe
am..n! 01 S 11900. 110
palO iIll.l!:K LIlW~S AU'TO
&".,taxllfl_.__,):
eo'h Pn" 714.lIl0
$ .
Cosh 0 I
$
Trod.,ln HA
lfaluel'lfTfatle.ln
'-"
I
lien P'yolllO: -".A
$
UnPAj(j Cash'PricMlInce
$
Uptionol1liliLhiMon IGAP}
$
Document Prp.P8~
$
r.idt'~Youre.h'lt
To ~ubli1; OtfithJ~ tDr.
Ucense, laRS llnd RegistrJtion
I
l~nF.e 63,~
$
T.m NUII"luditlWlhsh Price -
$
Ta_
I
ForMessengerSe.
10
HI..
$
% For HI.
If! Credit Insurance Company
Sent By: Lebanon Federal Credit Union;
lite'ln5urallce
717 272 7014;
...'6'............11 ......, ....'O::IJ lit II\; IIl.,.U'~lIlt.ll JUUl(
trNfitAr.r.ilft.llt&Healthlnsul'ince
Insurer. ,
VEHICLE: You hive agreed tD pt#chase, under the termsaf this C{'tnhacl, the foll{Jwing motor vehicle and its extra equi
the "VehICle" in thi, Con met ,
/JLU
llif!Jlll Mili
:in!
ilo<lv SJ1!s
llo.tiI.
~llln~
Mar-j ,05
12:44PM;
For
10
Ant whIch is. called
$
for
10
INU<l<b"
$
lG8ZR 2722Z137592 fur
10
,
U _ . -2GNl2 : SC2 CPE: 4,
Equipped _:>/&IIllIIIl',S. ~. _ MHM 51.e"0 ~ 5 5pl1. Other _
wilh A,C. -.X P.W, LX AM,FM T.pe ..l{ Vlnyi lop ,_
ASSIGNEE: WXm'J ..sllln thiS <ll.llr,ct and Security Agr..ment t. , "I.. fin."". company which i, lh. 'A$si~ne." I the Assignee a;~g~.
the Co~tra~t to a stJbseque~lt a~neB, ,the term alsD refers to stlch sUbSeQuent ISSlgnee. A1ter the assirnment, all rig and benefits 01 the
Seller tR tillS Cm\tnct amI In th~$Ocunty Agreement shall belong to and tle t!l1fQrCeiible by the Assignee. Thll kisigne wm notify YOIJ when
and if Seller I'!takes IUl Issignm~tf
MEMBER FINANCED AUTOS
i..,
Co-SIGIIER: Any p@Ron sisning t,ne Co-Signer's Agreement boJow promises separately Ind together WIth all Co-Signer{s
al/ sums due and to ~rfDrm alllfeements in !his CJintract. Co-Sicn'r willllot bt an Owner ofthl V.hiell.
CO-OWNER: Any penon .$lQl'Jing t.e Co-Own&r's Securily Agreement bolOw gives us a security intecG'$t If! tOO ~tl'ricle and
legethne with all Gu-Owne,I'landj8uyerlsl, t, pert,,,,,.1I 'Ir..m,"1s in the Security Agr..ment and .11 other parts of t
"'Promise to Pay" section, f
r~RMS: The term! shown in the ~'" .bove If' part ollhi, C,ntnet
"
PROMtSE TO P4'1: Y/JIJ agree to Mf us too Total Sale Price for the Vehicle by making the Cesn
OoYlRDlyment and assign!ng 1he Tr~e-In, a shown above, on or be(orQ the cllte of ltris Contract,
100 nayini us ttl-e Amount fiDlrlClrfplus itIterest, VOll promisll to make pay/t'ttnts In .1ccordl/JCe
with the Pa,ment Schedu~. YOIl PljImise lo mIke poymm on or he/o,. the ..me d.y 0/ "eh
month as ttMl rirst payment due dat", YQU agree to I>8Y all athet amQlJflts wbich m.y become due
under ttIe terms ollh~ Contract fju 'gr" to illY tl1e SWor" A$s,gnee cosI3 01 SUIt You .I$ll
agree w pay reasOI1able atmrtleys' t;es if SiUel fJr As~ii:ne! ~ires an attorney to collect amol.ln{!;
due under this Contuct or ta prcpct or !let possession of the Vehicle, You agree \0 make
PlymeJrts at tlla >>lace or to-selld Dayments to the addl2$S which thQ AssignP.9. Innst ree!'!ntly
,p"meainll1<lwritllnnotiCetoYOUI
SECURll"f AGREEMENT: To secu'tthe p.yment 0/.11 sum,aue and the oerform.nce ,/ all
required .tJligaoons under UI~ Conic,,~ 1<>U g;.. . s.eulIly interest in the V.hide, in .11 ports
(callel1 "acceSSlOns-! a<<ached to te Vehicle .t .ny ~tqr time. and in .ny proceeds .1 the
By ~igning h!lnw, WP. aerH t(l $iP.R ~he Vehicle to you under the terms 01 this Contract.
)'
Venir.le,inclurlinglosllran
under ttti'i CGfltra'Ct agai
money wltictl is. '!\OW or m
fllis without any orior Aau
AODITIONAl DISCLOSUR
DIsclo$ures: Before sl2.ni
Buyer,
Term$ and ConClitions;
flJl1owing. it IlfdrkedX, whi
IJJ 1M Conll1ctcontrnu
Q Debt (;aOl:ellalt'n I~u,
$
For
To
$
for
10.
no Buyerl,),lU!IiIY
$
for
Amount Fi..nceo
$
es separately and
Con1rlt1 excepltne
We may
Page 2/6
NA
Nt.
NA
NA
KA
HA
amountsmirkfd.
p"J'eed~ nll~! Assignee may set.off any Imounts due and IJI'Paid
any at your money on depOSIt with A$~ignee. r~is mcludes 8ny
jl\ tha- futurQ be deptl$itfl<l with /\$SIgnee- by you, Assignee may ~o
to V4U.
. lUllS AND CDltI>I1IDNS:
this: Contfact. be sure thBt you recllive and rcad the Oiscl~ure to
lore slenmg this C<lntract, be surl!: you receive and rhO thl)
are additional p8geS to and part af this COntrlct
n the reverse side,
meed auto protection) separate disdosur<< 8fId Ilftemen1.
NOTICE TO BUYER- 0 NOT SIGN THIS CONTRACT IN BLANK. YOU ARE
ENTITLED TO AN EXA T COPY OF THE CONTRACT YOU SIGN. KEEp IT TO
PRO R LEG R
;" -(j;~rtlJ urIT ",," ~
CO"SICNEJl: YOU SHllUljp READ THY. NOTICE TO cotalUtliJl(
SIGNING THE CO-SIGN"I('S A"R.",M"NT.
Co-stGNE-It'S AGREEME~T:Y[)u, tbe pc:nnn{or Jler[l;Ollllhigning helow as ~(:~.Signel,.n pfonl(SC to p
aJreemenrs in tbi! CO!ltt3.Cl. tau i~tel,d to bt lej!llly bounll by alll~e lerTnli uf Ihu Ctlotracl, yep.llrllleJy an.
indue/; I'" to makc ltU.:l Cool!id with lbe Duyer. even lb.ougtt w>: wdl U:ie lhe proceeds only for the lJuycr
made any prior demand (or p,ymenl on the Buyerorl5'.x.en:ise:d our security interest, You also adnowledgc
(SML)
Co-Siguer'~ Signature
~.
(SEAl.)
Co.:Si~;"~'Signaturc
'il-'''_._-~.._'-'-''_._-'--
BU
BUYER ,
(SEAL!
08P1~12
,_......_, (SEAlI
"'Date
H HAS BEEN GIVEN 0 YOU ON A SIlPARATJ! DOCUMENT, BEFORE
Address
Addre.u
t:o..UWNEH'S SK(;UKl.r't' AilKUMEN1: You, the person .ligning btluw JUi .'Co-Owoer," losc:thcr w.ilh th
give us a Sccul'ity Intcretl in tll,c Vehicle idel\Lit\ed lDove. You. agl'ec to be bound by the: ternu of Ihe Securit
"Promise'To P"'yD secliM. VQu{Are giving 1.l5 the ,tocurily inllll'Gilt ~ it\d\1~u:llQ rnakll this. ContraCt wi~h t.le 9
on this Conlral.i. You will nut be n:lipon~ibJc fOr any defiCiency which might be d~ aft-er rtt)\)lIi~~lon and Sil,t~
t.o us ...1\ sums aUe: on IhiJ ConlTAcl Ilod ~[] pc:rform all
oge{her, wltb lhe Huyer. You are rnllkmg thlli promise 11.1
benefit. You i1,!;rce to pa.y evcm though we: may 1\0\ ho:.....t
cciving a clJrrlplC:lecl cupy of ttlli Contract.
Date
Dale
lJuyer or otherwise De\l\g Ol,U ar lhe Owners of the Vehicle,
Agreement and an other part!t of thi~ Con.tra~\ except tac
er, a.nd to s.ecUrt the I'.'\yment by,th~ Ruyer of atl !tum&due
lh~ Yc:hide,
(SEAL)
Co-Owner'l Sigtla{Ure AddrcS! L>lllc
BUYER, CO-SIGNER iND CO-OWNER, IF APPLICABLE, ACKNOWLEDGE RE EIPT OF A COMPLETED COPY OF THIS
CONTRACT A'T THE TillE OF SIGNING, INCLUDING THE ADDITIONAL DISCLOS RES AND PAGES LISTED IN THE SECTION
~u:~Em$OS~U:E:S, TERM AND CONDITIONS~()-SIGllER l:Q,gIGNIR OR CO OWNER
NonCE: SEE REVERSE SIDE FOR IMPORTANT INFO M ^ TlQN
UNCONSUMER FORMP,I, llDC.SlC (lIQl\ .
ORI~tNAL. whirl! . DfALER COf"f'. l:."iry' 1I0RROWfR'S/CQ.S/GHt]fS COI"f .P,nk . t: . CGld8{\!~
... 2001 U~M~\Jf<'\~ $~kiIC[, ',ItC.
Sent By: Lebanon Federal Credit Union;
717 272 7014;
Mar-l-05 12:45PM;
Page 3/6
,
ADDITIONAL HRM.~ AIID CONDITIONS
I. HOW TlfE TOTAl OF PAYMENTS is COtIPUTEIlo fh' Toul ot P.ym".. i. the sum of tlIe
Amount Finollnced and the Fin.nce ;harg!!. The Finance Chitfge consists solely of interest
complJted daily nn the. Qutstanding balance 0' (tIe Amount Financed. T"~ fif1ine" Charge
st!CWfl on tile tron1 SID!! has been ~mp!ltcd on the a.ss.umpt\QIl that we wi\l receive ill!
pi\'ymf!l'lb on 1tN!Jr !tf.hflnull!rt dUR rta.ft$ .' .
2. COMPUTING INTEMST: We ..II c~"g. in\..esl en . dally bas~ o~ Ihe o,tslandiRg
bfllal1ce sub/Bet to intarest 'an Qach G~ ()f the~>> term. Ir\cludmg any period ltIr whicl\,a.\Ite.
charge is 11.50 ImP<lsed,.l he thllly lntefest rIte IS aqual to lh~ AIIII\liJ Per~l*'~ ~l~dMUed
bV the numlHlr 01 days In tllat Qlend.,.year, Buver agrees l1tat!Jec:ause mres\ 15 cak:u)ated
an a d6l1)' bllsi~ l;ate pcIy.ments WIll )fBsuft in additional inte~s1 (3:00" i1 al)D:IK;~b1e, a late
th"g~. Early payments will resun in!ess interest being charll<"1. Early and/orlllte j1Bymenls
will Clust the amount of the final pay"ent to change. .
3, LATE CHAftG[: Duyer agrees to .v a l:ate cbarge for any plymenf not. made wifhitl 10
days aftlr its due de. The 18te cha.eo win ,be ,2Y. tH!'t month on t~ I,Inoai(j amo\l_nt of the
paymenl We wIll considef any pan. of it month In ~xcess of 10 da~ to bt r. tuft montb. The
I.le c~arg. .,11 b. due .~,n "'n\flt. No I,te t~I'Re wiI be due if Ihe re'SOIl that the
payment is late is because, after de'~ult. Ule. el1\ife ootsmn:Hng ~lance _an this Contract is
duc. No late charge will be_due if tho ~n1,/ rea~n tha1 Ihll p.llY(Jllltlll~ Iillf. I~ bec,u:re (If ( Itle
chatee assessed on an eao!!r paY/ner\!. . . , . .
4. APPliCATION Of PAYMENts: W..iII apply ,,"ymenl> In the foUOWIIIg otdet III ptiorrty:
first lu .nteresl; Ind 111'" to 1.1' th'.... f..~ prindpal and nny otner .n",oots l'lU owe m
tl10 orner that.. choc..,;
5. PrtEPiYIIUiT: You maY' prepily, itffv.1( en in pan. the amount owed on this Contract It any
time WithDut penalty. It you- prepIY1:~ne Contract in l)art you agree to continue ~ ,mal\e
regul"ly scheduled paym..ll; until jo. ' pay .11 amDun1s dlJe ,nder 1I1~ Col\tract. 1 ~~ 'Hill
reduce the number ot payments you 'fill mike.
6 WAIVERS. r
. .. WAIVER BY sElIn AND A~GNEE: W. .00 AssiS"'" w.ive I~e rightlo tre,t .ny
property .u security for the repayme. of this Contract, except tor the Vehicle and the other
security specffiCllly mentioned In thisiContract.
b. WAIVERS BY IUYER. CO-SIGN'- AND CO.OWNER: Yo, .gree Id m.au. ,'if1IAr\floliIs on
af llcforc they arc due without our tavlng to ask. If you don't, we may eMQrct, our nghts
withaM notifYine you in adv3nce. YIiU give up any rigtlt )'<III may \live to reqUITe nUlt we
enforce our rights against SCIme otherPe~n or g,roperty before we enforce OUr righ~ against
you. You agree that we may gilie. uo o~r Ugl'lts agalllst some other ~rsan. but n~ ail;tnst yGlJ.
You waive due diligence in c.ollection .,m all defenses basad on s/Jtetr$fup and lK'~lfll\'il'\\ uf
c;ollateri! Qr secutity. :::.
7. IHTERESHfrU:MUUBITY dD JUDGMENT: Inter..' altho "I. oroyide<l in tIlis
Conin,llh.U conli,!,,! .\!I'''"", ",:dte ,np,id Ila~nc. unt>> !)aid in lun. .ven .lIer iRatunty
aM/or after' we get a jiJ(Jem~tlt agauit. you fur the am~u~ dUll. ll1is Mil apply eve~ I' ~
maturity occurs because Q1 ac.ce.!e~tI0n. If aI, any th'ne Interesl ilS prOVIded for In thiS
paragraph is. (\~t permitted by l:aw.';jnterest shan accrue at the highe~t rllre atk>wad by
applicable law OOginoillg at thilt time. :;
8. YOUR PROMISESABOUT OUR S~URITYINTUEST: You w~1 not permil anyon, other
than I.lS tD obtain a securittjn~t ltf QtOOt' ngf\1s \1'0 the Vnhiclll'. You 'fIll ptIy all frllll{{ (I:!~
necessary for tiS 10 obIaifl and mainta{n GUf sec~rrty inm~ in tIlo Vahic:'s. You wir~ awt Ut
in havini our S!ll;u,ity ..terest n.ted qn tile .carUflCale 01 Tnle 10 the Vehicle. You .\1\ not sell
ar give away the Vehicle'. Ii someone ~ts a lien 011 the VehIcle, you WIll (lay the Ilbll~tlon and
clear1t\e li9n. t
9. YOUR !'ROMISES ABOUT THE VEetelE: rou Will keep ihe y.hitl' in good condition and
'''mir. You wlll pay aU tSlCQ-S and cna.+s on t~ V~hiclll. ~ou will pay i111 costs of m.aintair1~Il~
the Ve-hic;je. YOII Will nQtabusl! the Vethde l>I' permIt anytlung to be done to the Vehicle. wndl
Will reduce 1m. vlllue, ott\f.f Ulan tor \Klrmal W!lar and use. YOIl Will not use t!\e Vehicle- tol'
lIklgal VU1\X1se$ Gl ~()i l1i"~'lJr.lltilse, Y..t will nul muve the Vehicle ~rnm ~ullr add~ ~hown ~n
ttlt front of this Contract to " new ~cfmattonl plac.ll of ~rag\1\S; Without notifYIng \IS In
advance. ;,'
10. YOUR PROMISES A80UT IN.SUIl/.NCE: You will k..p the Vehicle insuTOd ag.in" fire,
theft and colliSIOn '.til'~nllf\l$'OO~. US a" pM lfi "", I he IM,rance t~"'.ge mus! be
satisfactory to us aoo protect JOur inlllresls and our interesls at tht3: tUlle of an1 illS.uled loss.
Th\! insurance, must n3l'pe,us ilS '"Ioss1plyee~ on the policy, tM inslJrance must be writtefl by
In insurance Cl:Impany QOll@ed to do:~usiness (n Pef'M"fIVilniaand licensed to sell Insurance
ill the staLe where the Vehicle i~ Ilernlanently gifllged. Ihe Insurance policy must provIDe us
with at least ten (LO} days PflW" wntte1\: nDtice of any cancellation or md uenon in coverage:. On
requl:Sl., yOl,l ~"3~ d~liver' \he polit;r ~r other e~dence of_ jn511ran~e cQv.er1g~ to \Is. In the
event of tht\ loss IH dam:ltRf'! to the V"lirJe, you wlfllmmedlittll-Iy notify 115 In ymtme ilInd m~ a
Pfoofof \DS:i with the msurer. :'
.. OUR RIGHT TO filE PROOf ~f LOSS: In Ih. ..elll 'I .ny loss or d.m.ge 10 ill.
Vehicle if yUII fail or refu$e to file a ~im Dr proo1 elf 1l)~' with the insu(Jncl?' compan~, you
al!r&e that tno S0Uor, Aglgn~, any $~se~1Uent. ~5Sig"ee, or any IIl11.twri1:ed emoloyee ot ~f\Y
Df lhem ("we-) may file a ~roof D11os~:wit11lt1!t Insurance r.ampRIlY, to '{(l1Jr name Ino actin!:
as. yauf agent, with respectto the ins~red claim. You agroo thai YCIl do flat have lhe right to
3f1{\ mn nnt revoke the power you tlalM! ~ven us to !ile a prOOf of less. You agree that WI! m~,Y
eUTcise thi5 power tor our benefit ~nd not fQI your b~Ji\lfil. except as provided in thiS
Contract .nd by law. ':: < .
b. OUR RIGHT TO ENDORSE INS_RANCE CHECKS: rou .gre. In.t m,OSelle', Assignee,
any subsequeflt assignee: IJr an authopl/HI employe(l of any of them {"we1 mav, endorse your
name. .cling as. your l!Iger\t to any ch~k, drah Of <ltht:t ir~lIUfJ!ellt we reCIol(ve lfl payment.of
an ,"s!.mld lau (If f9tLlf'O.of insurance:premilrms. You agree that you do not have tile right to
and wil! ROt fQvokeo !he Dower vau haPe Riv@n us to make ynuf el\dol'Sement YDU a2ree tf1lt
we may exercise this power tor our bepefit and l\Qt tot ~{)\lT btl\tljt. e~cept,as,provjded in this
tAntJac1. and by law_. ,i .'
t:. USE O' PROCE~_D5: We rna~ tPi1ty ~I1Y iowrance proceeds we ret~ivl:' In rePiir or
replace th~ VehlClll if, In Our 'GDinKlst it is. cr:onDmir.~lI~ 1f!1I:ilnle l1nd you Ire not ttU!I1 in
~,~,,,".~&L'.n.~. ..n.l '.. .'~."'''''.'''' . .......~ ...,. .,
wante any rOOMV f{l( these DUtDOSes. S(JCh inSlIrant!! will oe.
ato' t~" you 0.. on t~\S Canlratt fHE INSURANCE WE
Nil r MORE EXPENSIVE AND PROVIDE YOU I (SS COYERIIGE
PIIRCHASE YOlJRSn f.
dvance. an your behalj to tt1e lulal'rctl flO which we impose
al Percentage Rate of_ this Cnntract. You ~gree to replY ttlc
may 'lpCCity: (illmmeolJrely an demand, OJ (Ill along with yt>ur
to :allo,w you to repay the monev advanctd along '#lith )lour
se the amount of these payments: ~l\d ~'H long you have !a
in this P~qll:r~ll ;~te n(ll $)erMIned by law, w~ $till hIve the
avments O"n 'lour behalf Will no1 CUf@ your flI1111re to perform
choice of whether or rial to
limited to an amount not
rURCHASE MAr BE SIGNIFI
THAN INSURIINCE YOU COU
We ",ill Mid any mOtley "-e
finance Cnarl(es at the All
money advanced as we IlIon
month1r p"ymentt If W~ ch
monthly payments, we tan
re9iy.lt alJ-Y~1 our rishts sl
othel ri-ehts manllnned, Ollr
yaurprornisi!SiO Ihi$Contr
12. DEf.AULT~ In this pa"gr h "You" means the Buyer, Ca'~iiner and l.:.IJ-lJwJ\et, Gf Imy!)np.
erf Ihem, You will be in "Ut If' of the Contract if any (me or mlJfe \)1 tlw follolYing thing3
nappe,f'I:,...
i1. .YDll.do nof maJre'any yment on IJf belor~ it ~s\rlui;' D~
b. You do not keep any p mise yuu marle in this. CMltract Dr
Co Vou do (lol kee~ ally mnise you made in anothcrpontract, Nott, In!rlt)f Agreement
with Seller Uf ~Ile~; ur
i:i. YMl madc: any untrue
n. Voo CGmmitted any to
f. You die, Ire ccmvlcted
with iurisdicbon to dG so lD
~ You fIIe'~~~.~r,up),l
illsoNtl'ney pmcie:d1r1gc3e:al
h. You 11. thA VehirJa 0
i. y" ",..{AA V~hic~
covered by your inSurlnte; .
j. y" do SllClletlling tlla
luthorttie5;or
k, lhe Vthiclt is lost.
filed or found dhin a realO
I. Aoother clli<ii\\)\ trie.
IeplprOO....
13, OUR BIGHTS ff YOU AR tN DEfAULT OF TIllS CON1RACT: It you 're in Dof"lt 01 to"
Contrilct we mllV enfotte: GlJ fllJlIls at:t:tlrding to llw. We lIIiy also do till! things spetiflca6y
mentioned ill tru~ ~ntratt. may do one of "'~ things and at tne same time Of. liter do
loother. Sarno nfthe things may do are tlte followmg:
~ ACCElIRATlON: Wt ,dem.nd tllal you il'Y to u. Ille entire unpaid oalan" OWing
on~ CorJtractand aU unpa' finance Charges and other money due. You ;Jl!.l1!e that ynu ~l~";.'
Pily this money to l)-S in o.ne s ~\e plliyment immedialelv u(forl receivil\f( dUt demaoo.
b, REPOSSESSION: We n rellOssess lhe Vehicle, untoss D,,~ib~ed hy I.w. Wo con dD
this QUlWlves.. !lave a Qualm person do it for us. or n3ve 3 gnvemmenlllfficial (by roplsvml
00 it for us. You Igre6 that can peace.ltllV come Orl to your property to do this. W~ may
tlke any other things found i tit: Vehicle. but will return these thmgs to you if you ask. II Yf)u
want these UUI1g5 baci-;, 1\)\} iy fecI 111m tnem within tOllty (30\ dil~s. !.II CUt I'lIailinQ ~tI!.. !I
N.(l/jf;e o{ Rtlllo:>>e:isi1J'n. If YD do not reclaim lh~ llllnts found in Ule Vetlic-le within that time,
we may d\spo~ of those thl in the sama manner AS the mMor vel1icle. You agree that we
mlly use your license plates j repossess.lllg tire VehIcle and taking rt to a place lor storage.
c. VOLUNTAR~ DELI't '(: We {;i1U ask you tu Mivto! u:) tt,~ V~hil,;lt.! a~ '4 I'ila~()nably
convaniont placo. Vall ag~~ giVlt us; thQ Vehicle if we i1sk.
d, DElAY IN ENfORCE ~1: W. con oelay .nfDfClAg 011' righi, under thi, Gontnct
wifllout\oslnglJlyrtghts.
14, SOME lHINGS YOU SH
with(Julus4rl~i:t"Ul/efllln~lIl
~ NOTICE; W. wili send
Thts Natica will tall you how
reinmle th, Contca<;l fhi.
other amounts due. 'You may
Notice will tell YUtlUUl\!.f u\{ur
b, REDEMPTION: You h.
tilt mailing of the NotIce an
Voblel.. .e .ill d.llver.ttw
reasonably possible, 00\ ill tl
required. II ~ou do not redee
c. SAU: If ,/01) dQn~ red
used,to pay costs ~"d ex.p
Contract
d. SURPLUS OR DEfICI tV: 1t there is money left, we wilt P8-Y it to the \3uver If there is
00\ ~Mugh money from the e 10 Day what you owe. Buyer and Co-5ignef a~ree tu pay what
is wn owed to us,
&. EXPfNSES: YOllllglI~(!
sale: and selling tM !Janielll a.
L Default e1.ceeds 1ifte
2. Too amount of costs
3. We can prove the
l~. HUllS AND PERSONAl
be entorceable agail\ll.1 ye\lr
16, GOVERNING LAW, n,;,
17. SmRASllITY Of PRO
;u....~\ ....;rl,.,,, """',,,"'.......1.1..
tement in the credft. appltca60fllor tn. Cofltract; or
ry in CGnl\l!cti6l\ witt1 thls Comratt; Dr
I crime in~ol~ng fraud or (ilsnol1esty, or are tound o'j I cr.url
intapat~al9d; or
! !n~I~J,~CY ~~.~~~ed~~~~~ _~r ,anyone 1il:5 b.ilIlKruJ,ltcy or
yoili...." , .." .... -. . .'.
.de the Un~cd Stoles", Can.duithoul "r:written oonsant..
Allow someone ,Ise \0 ,,8ft in. a w3i tM c.uses il n.t t. be
. 's&s the Vehlcto to lie subiect IQ conliSClnnn by iOVernmenl
'.. ':' if'. .;,'
fl, d~lroyed Drh~anlag~,d .~;t~f~a ,~~~M{ca! repair, MId 1\1)1
bl&t)ma; lIr \ /.1, ,I .J.... '.'''''' . .
itlke the Vehlcfe or your mf1~~.'-ilI1t1'c~ with Asslgnee,by
lD KNOI'Ilf WE REPOSSESS TlfE VEHIClE; It W. "PIlSS'"
iciallby replevin):
u .a MOlice of Repossession to yl,\\U li'st addf~ WP. know a~u~
buy har.k (rP.t1P-@m} tt19. VQhicla. VI'l1J will NOT halla the right to.
.an!!. you will have to pay the total balance on the Contract. and
at gel the Vehicle back by paYing delinquent installments, Th~
atlt.lll r~l.fvlrt'd uy l~w_
the ril;l:ht to buy back (reO~em) tne ljehitlll ....i\hi(l15 /JilYS of
t any later time before we sell the Vehicle. )f you redeem the
e~itle to you at a place as. OrflVided by law, as scon as is
more tllal! ten llO} business days of OUt f\!ceip1 of the tunas
you give up all dllm ta the Vehicle.
m, W~ will sell t~e Vel\icJe. lhe money rer,i!iVeQ at sale will he
s.es '10\1 owe, and t\-1en to PitY the amourll yOu OWl: (\1) l\le
1l1~ UI\! \:OSb of reIJQ~SSial~, slorine, -repainng, preoaring fl>l"
ay ba alloWQQ by law. thu9 costs '\vfl1 ilnly ~c. due it:
115) days at the time of re:pa'ls,essiufl.;
/'l! actual, nke.ssary and rea.$Orlilble-; and
s were paid.
PRESENTATIVU ~OllNO: AIte' V", delln, tniS Contract ,..11
" ,nd plIrsonaJ repre:lient8.ti\'~ of )"Gur estate,
tfijct j$ to be interpreted lSI:'i:on:llng to the law oj F'enrlSylvilnia.
10rtS: It tor any reason any part of this Contrllct stull Iiecorne
~f .....-l- ..Io.-su........ No . .."rt ", +"i~ r",m.."r-t
oem: I:ly: Lebanon Federal Credit Unionj 717272 7014; Mar-l,05 12:46PMj Page 416
ll. OUR alGHIS IF TOU a~EAK 'l!lU~ PROMISES A80UT THE SECURITY INTEREST. l~. IHtKt ANt NU WAN Itts gl mLtN, UrNt~nU UN fMr/ltu. IN<;LUUINU INt
VEHICLE OR INSURAWCE: If you ,,,lito keep your promises 10 pay filing fees, Ii". if'.. or WARRANTIES OF MERCH TABILITY AND FlTNUS FOR A PARTICULAR PURPon,
tile colt. ..."'".,. I' keep Ih. V.hel. in "".. condimm "d r.pair, .. m.y ad"",;! In! UNLESS WE HAVE GIVEN U A SEFARAI[ WRI11EN WARRANTY OR UNLESS SEllER
I111lnoy you pl1lmi..d III p.y. If you 'f' III k..p YOO' prom"', about r.qulrod i.sur...., .. EKTElIS INIO A SERVICE TRACT WITl! SUYER WIlHIN 90 OAYS FIlOM THE DAlE Of
m.y .dVi/lCll money to oblai. i.sural\C' 10 1.Ove, loss" d.mm to tI1e V.tuc~, W. h... 1"" IHIS COIITIlACT.
Buyer's Guide Window Stick",. If Ihe Car which is dcscribed on the face of Ihis Contract has a Bu ,'s GuideWindow Sticker required by the Federal
Trade Commission Used Car rtade Regulation Rule. the following nolice ap~lies:
The infollllation yo~ see on the.~~dowforRlI~r\his Vehide is pari 01 this Contr.~t Information on t~~ window,form overrides any
NOTlCE~~~~a~o~~:~ig;'~I~h~g~~~a~~~f~=I;bl~~~NTRACT IS SU9J~CT TO All ClAI~ AHD DEHNSES-W~ICH TH~i~EBTi)R C~~LD
ASSERT AGAlNSUHE SEltER Of GOOOS OR SERVICES OBTAIHfO PURSUANT HERHO WlTH THE PROCUDS HEREOf. RECOVERY
HEREUNDER BY THE DEBTOR SHAll NOT EXCEED AMOUNTS PAlO BY THE OESTllR HEREUNDER .
---------. . "'---..-....-.....- .--.. ---",,---_._--
, . NOTICE OF PROPOSED CREDIT INSURANCE
lhe signerfs) ot this. Contract he:re.~ tske{s} ootice that Group Credit Life Insurs.nce CD\lengD or Graup Credit Accidcn nd Disil.billt1lnsllrance l;overage will be applicable to this
Contract it so marked on (Rn front .~f thIS ('.omract. and ellchsuctl tYpe,ot cotJera~ 'Hlll be wrnten by me msurance. c~any rl8ffii!n. This insurance, subject to 8Ccepbmr:e oy the
InSUrer, covers aoly the pef'S1lfl or ~rSl1ns 3tgning the requ~st tor such ll'Is~ranc~. The amou~tof cJ1ltfge i$ indicated fo Ben type of Credrt Insur8nc~ to ~ pUfchi\sed. The term of
msur,nce WIll coromenett ~s 01 thtl >>ate the indebtedmm IS mcunec and WIll uptre on Hit (H1gll1~1 schooul~d malufllY deaf tllll Indebtedness. .subject to !tc'a-ptance by the insurer
and withir. 30 d~ys.ltwre win be d~j,vered to the insured deb{l)fl:s~ if certificate of Ins.urJnce mare Mly de&cribing Ihe i urance. In the event of prepayment of tlle indebtedness. a
re.1und Df lf1stlrance ch.lrges WIll 00 ~adEl when due.
NOTIC!: m OTHER SlOE fOR IMPORTANIINfORMATlOR.
IRE PROVISION BtLOW tS NOr PA~T or TRE PENNSYlVANIA MOTOR VIRleLf INSIALLMEN! SALE CO
~_ .-~!_ ,_ ; :. ASSIGNMENT
10 Induce you, lbe "Assignee" ideRtified 61\ the face 01 thJs Contract 0/ as tQUOW~
ta purchase the within Contract thn:ScH~J hcroby warrant~ .and rcpre:sentSr and tQl'lunuesto warrallt and (@pfcsentthat:
(~clf:!ri1t, stat\! '1\0 Intitl li1wS (trlu redli1(jvl!:i, il!cfvuilll'. UlJllIUl. hmile1llu, ArUel!! 2 llf the PerlTl~1'I'lania UllihHlll Culllml!rc.
and the Vehicle covered thereby is ,bSDlute. free 01 8" liens. encumbrancts and security int~rcsts, and is subject onfy
gen uinl!, th~ slgnJtures thl!:roon are qot fcrgerilllO, arosa from the sale at the Venicle there-in d~scl~e.d. and an partil!S there
Ule Venid. and ..t" 'QUiomMtll ~.mplet. and cOrr.ct the cash do.npay....1 and/or tr.d,.m .11o.allc. were ac\Ual
checks. other credit aovanced by u~:to Buyer I1r rebates: ur sim.ilar payment~ from us to the Buyer (however manu1acture
W1Ual\t1&S and sta1e11lents ltlerein ar~ true; there is owing 1hereDn the Amount Financed plus interest It the AIInual Percen
under the PelJllsylvania Motor Vehic(e Sales Finance Act and hIve dUly complted witl1all requirements thereof with re!pe
and with any ather tedcTBl (if :;tate la.~, rlile or regulaln:>n (It'p/iclIDle to this Contuct; II motar vehicle title certificate s.h(lwin
applied for prlMnptly; the re2is;trilti~11 01 lhf! VehIcle !las. not betn suspended and the Seller ktiOlHS M I}D fllds which
r,nn,yl..ni. Molor V.hicl. Finallcill ReSjlO.~.i<<ly Act: In, 'auyerl') n~m'o in the .ahi. Contracl is lar.) ",,,onally
'ignature/,) i, (m/.tfixed to this Qs.trllCl; ..d Seller has no kno.'.ol' of 'aclS impailillg Ih, valioitl" vai,e ,t th,
breaChtd at any tinter Sellin shall Je~ulchase said Contract fr.om A.~signee, on demand, and will pay (herelof, in cast\, the
remedy SRan be cumuliltive IJna not,xclusivc, and Shilllllll! "{(lll,;l ~IlY ulhvr ri~ht or remedy that Assignee might have lit
reluses to mlllle any payment due h(j:cundct Qn tl\c asserti()R, e1tl1er onll ar written, that the Vehicle i:s defective, not as re
any w,urantv or service agr~ment ~ ~ll&r 01 m;:rnllbr.l1/rp.r, $eller agrees that. on being adviSid by Assignee af $uchcta.
and PlY ASSignee for same lmmetiia,ly in accordance With the repurchase tenns wt forth below, .and Seller further 311r&
including attorn~~s' I~Q!i, costs and elpenses mcurred in deftnding against claims lIss(lrtid by Ruver alld ;ncludin~ claims f
r.ontnf,ts to pur-cha.'ie )Jrotlert~ InslIl'flce on lffl:hi:lll ollhe Buyer, and th!t !n!liranCQ ii callc~l~d by the illsllrarlce campa
pllltt! (:om/l.rllhle G"Vt!r"se witft iH10.1H insurance company on !>ehalf of the 6UYSI. If SltUli!'f i~ I,II/i1v)e lu do so, Seller will
lh~ .B(l~er ill ",hLaicll{\\!. replacement:~nsurance tor thll unsxpjnd perioo of lhe oliainal irlsur.ance policy, ey sigl)inj::ana.
Assignee and-:icceptiOi payment fOT'cit. Seller authartzCi tile. Assignp.p. tn ar.t as Ihp. Sellers deent lor the purpDSe orcd -
Assignmenllo letlect rhe true As!ignte who purchased th~ Contract and/or fer the purpose of signing ::ieUer's name to th
without the Seller's 'signature. A.ss.ig!1Qe may \'1;(\'11Clse the power gillen JIJ lhis parai:raph 10r the br:netjt 01 the Assignee and n
and agrees nDt to revQke. the power g,~n in tnis paragraph.
(n the event th&l Seller is ril(IUirli!' by this: As$i&nment to repurehlisD the Contract arid/or Yehlde. Se.lI~I'sI1tl~l$ay Iv ~
dat~ of l&j)ulthasQ, plus .lIly then e.(tned fiffi'nce Charge and allY and an costs and expensa& paid Of it)curroo by Assign
conneclion witll clairns lJv or agams:t #Jy Buyer. Owner or person!; in POSS91f.j;i0(1 of tt1e Vehicle and/or by Or against Seller.
Far value r~teiv(ld, Seller Mreby !Sells, assigns and transfers unto the Assignee, its successors r.nd assigns:, the within C
right title and inleres1 In Mid 10 ttTe \#ihiele therein de-scribed, with fllllllcwer in the Assignee in its: or our name tn take :i:UC
Assignment Ullless Seiler ma-rks ~it"'r of !he e.ndorseme'l\t~ balow, liltllrt 'WJlH FUll RECOURSE" or "WITH REPURCHA
p1f&grapn titled "^ssignment" be w!ti'tQut reCQursc.
o WlTH FULL RECOURSE-Seiler 3!g~s thai. ill adclihofllO thl! fl~l(1ltlaph 'Mve \itted "Assignment:' in tho avant of dQfa
installment p.ayable under the: .Con1Ia~t or in the orompl perfarmante of any Dther lIDligatil)n ta De pertonntd unoe, the
repurchase 1~ Contract flom AssIgnee for a rf:!tllJrenase pnce, in cash, computed as set forth above.
o WITH REPURCHASE-S'lIer ~r'" In.~ in .dditio. In !he pro'~IO.s 01 lite garagrapn aooyelille<l "Assignmenl" in lit
re,U~e5S the Vehicle. Seller will, if ~ Vehicle is re-po~SS8~ by Assignl!1l and delivered to SeUer, and wlthQut r~gan~ t
Contract and the VehIcle from A~SI~nqe 10 repurchase pttee, III cash, computed a
By slgnrng 1.1I:lu agree In! ate, 'Of t~{' As.ng~1p)nt
Sp.llet ~
~CbH$UMtl! fORM I'~ 110C.SlC \3/03\
ale! SElWEEN IHE BUYER ANO SEllER,
,"_'_' (Nam,)
e 'la\e has been made in stnct contonmty WIth ail ii'ppllcable
Code 113 P.. C.SA MZIOl el senl; OUI titl, to th. Colltract
the rights at the Buyer :a~ set forlh therein: the. CO"tUtt is.
re of full.agt linn had capacity fo contract; the description at
recelveo and no 'lit thereot consisle<l of .ot... IlOSl,dated
robal" may consul,le .\1 " a p"l ollhe do.nvaym'n~; all
Rate. 01 the Contrlct set forth therein; we are: duly licensed
tll the transaction and with fho federal frUlh-in-lending Act
lien or encumbrance in favot <11 Ass;gflel'! h"s been or will be
ay result in the ~usp"'n!>ial) or ~~Id rellistration under the
owo to the S.eH~r to be llle Sitme Identical pcrsan(s} who!!
lIlract. If any such warr.antles ar represellt'bl)ns shauld be
QUilt uwing thereon, computed as Stt fDrth belaw, 1110 said
w or in eQuity against Seller. In the eve-nt thaI Buyer (3(ls M
$ented to ttlf; Buyer by Seller, 01 rhat Sillier rd\lSes to nonor
of BUY&f, Sellet willlepuN:hase (he Co!'ltl"il~.\ trtlm Assignee
\0 hok! Assi!n.. harmless from ..y .Iifer claims of Buyer.
refund of paymel\lsmaue- by Buyer ro Assignee. It the Selltr
~mor to it\) scheduled expir~ljllll date, Seller 'HIli attempt to
lily Buyer aml/Jity [0 Buyer alJ~ al.lditiona\ co-sts incurred by
I~~g:th:e.,~ntr~ot.:..as .~.ellerj ~di~Uiog ~~e ,C.ontract .to the:
eting or correctIng tt\e lden(\tlcation Of tlte- tlssrgns@ In this
Ass.igl'lmont, without recourse, if the Assignment is dali\lllred
for the bcnr:fit af the Seller. Seller does. not ha~e the right til '
Illoll;!, Ifll#ll:ih, Ul~ full l.lf\1)lid balajH~~ 1)1 \h(/ COfllrac! all u( tilt:
in respect thereto, incl\JdlR8 rel'SIIffi'b!e attlJrne~s' lees, in
raa, i111 moneys due and to beCQm~ due thereunder, and all
legal or other action whicn Wt migh1 have raken SIlve for t!lis
," Sellers usignml;lnl shall. except for the prQllisiQn~ 01 the
by Buyer jlllh~ filII pavm(ltlt QI1 ttl.~ d~ date thelQof af any
ract by B,W, S.II., .iII, on demano by Assign... forthwllh
vent of any default-by Buyer whid, shall ilntitle Assignee to
Ihe Uren condition of the Vehicle, forthwith repurchase the
.P-/7'''Y
Dale
.......VO.J...NUJ ilM.L ANvanv,",,",v ......01... ~...........v .1;;IVI'lII....., ......;,~ \,I........
lN3W33tl:l'd aNIt 3,nS01:>SIC :U~Vd3S 't 'alOS 51 NOll'll13:>NV:> 183 ~I
~iQ3LNI ~ IO"I~ \1oU!..'.... ,,I ';1.11'... HI UQLJ.J
f
Sent By: lebanon Federal CredIt UnIon;
717 272 7014;
300 Schneider Drive
Leblmon fA 17046
;717.272.2210
l'\.~on FEJ)~
<tjQ"V . . ,~
~ ~ttoo ~
CREDIT union
,
... , .;, , ^.f'.f' ~
I'L'lJlllary ~, "'t},f)
.,....,. K '
,".rill l\.$.tes
7 O~kwo()d Ct.
Camp H\U, PA 17011
Account Number:
Velncle: 2002 :>atu
VINII: !.G$ZRJ2
f
C!U'o];'1a\ f>fJ, (10985
I,;t:n H.older Location, Lcbanoll h,dcra.[ Credit Union
300 Schneider Drive
Lebanon. PA i7046
rerl1J!ed Mail:
71j()4 0750 ')002 73')() 5927
Dt:arM.~ Kmlt:s:
Mar-1-0512:47PM;
3 I E. Evergreen Road
anun fA 17042
7 7.272.2210
2885
Coupe
,2Zl37592
Ihis k'll~r is to notify you, pursuant to law and pursuant to the I 0\0 ""nos U( )lour
;".~,"l1,,,+nt 10an ~<'te, that YOUI' motor vchiclc lliw bccn rcpossc cd as of Janl1o,')' 24,
"005, ;)eCause ofvolllntary SllTr~"der and default under your in: llmen! loan C<"",'8<T
We hav~your 2002 Sl!lurn Coupe, V!}, fllG8ZR1272ZZ13759 because you broke
promise~ in our agreement.
t':"-'~r ,:ie :,'W, you call get I'lis property ba,k al any timo: :'''"Ol 1'10: ,.,ll it by pay;,,;; uS
iht: 'I'ta\ Am{lunt Due ""tee! below (not just the pa.( due 1',,><.. ItS).
Starting Balance $12.737 .sO
Car Sold Tor: _c!?J.QQ 0.0
r;nT'~,~ld R.~lanct: 6.237.50
~l''':~~ge ~'estjmated'L ,00
Auction: .00
. ,- ..-' .
:'..<L~",. ~u.:::n.
T~,iaJ AIll0lJflt Due:
___2.050.38
$8,::95 88
Page 5/6
PavJ1l"ll1ishoutd be made to the Lebanon ~ederai eredll Limon tile add,-ess siloWII
...I,:,"e '1"yment mu~t be .,.:ecivcd within '15 days fmm the date ftnis notice .ry.'"
W?!1:: us to exnlain to VOll how we h.ave figured the amount t~,~t ('1.~ ~we us, ~~~ ~f y~,:u
!lave an,!O!!:er que~tions regardiu~ the sale, you !)In'l ccdl uS at 17-272-2210 ex!. 101 OJ'
coni act *' at the above address. 1 he Co.t ohtorage could be $ ,00 per day. Y OLl have
'-;'-1,,:;":11 ,)~::;lIless days LO I:.;J4;cm )'OW' pelsOilul pO:):iCSSiO.li,S, if yo have ii.Ol ~.lj '':,'lU)' l..ll.IU....
~o ir-,i,~y (Ile ~':ot ;"!;d,(:(! up Iilrtcr r.f:.(:(-ll OS) (b.ys they wit: be 17~.(;~1 :~f>(L
j'
0(;>- <?
':
v,. l..e-U'OIIUil l""eaer31 Credit Union;
717 272 7014;
III ,ht: ";,,,)l yuci du ill" ,,':\i,'uli the J'cpos.(,'Sseci vehicle by paYI
Due ",.;lhin ):; ,hys, we ;m~I"! !() ~el1 the vehicle nt !'ublic sale.
(he said{aner paymg our e<"1:s) will reduce the amount you 0
you l)W~, you still OW0 th0 dift(,r\?llcc. Ifw,," get m(lre l1l(lnl'Y 11
1.1>e ~~tra money, !'nle~s we "",,( pay it to 5omeone ehe.
?;C[bt; ~~11laCl t1~ i~' y'uu :j~~.~ tiuy ~!U<";1">i.;ull~,
;i.
~.
\V;Hi;;:ld;' r1,'IJiliu'-l
V;\'e P'~siderrt Lending
;::
i:.
Mar,l,0512:47PM;
Page 6/6
.
\,;11i U[(:l~ ';'(li~l Al1hlllllt
TIle mm~~y we ~et n c\m
, if we get less than what
11 you owe, VOl: wTl1 !.'t't
Sent By: Lebanon
.
717 272 7014;
Apr,11,05 11 :27AM;
Federal Credit Union;
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~.. ick-Lewis has agreed to purchase the following vehi
teferenced. The sale of these vehicles was completed 0
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l002 Chevrolet
I~ ::
1002 Chevrolet
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AGREEMENT OF SALE
es for the amount
1/21/05.
Make
Model
VIN#
PRICE
$8,000.00
$6,500.00
Venture
I GNDV03E62D1 3275
se2
IG8ZR12722Z13 592
Sunfire
IG21BI2F537196 17
$6,600.00
Blazer
IGNCT18W72Kl 0$39
$8,300.00:
,
!
$29,400.00
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SHERIFF'S RETURN - REGULAR
CASE NO: 2005-02676 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
LEBANON FEDERAL CREDIT UNION
VS
KANTES ERIN
SHANNON SHERTZER
, Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
was served upon
says, the within COMPLAINT & NOTICE
KANTES ERIN
the
2005
DEFENDANT
, at 1925:00 HOURS, on the 8th day of June
at 7 OAKWOOD COURT
CAMP HILL, PA 17011
by handing to
ED KANTES, FATHER
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Postage
Surcharge
18.00
10.36
.37
10.00
,DO
38.73
Sworn and Subscribed to before
me this.5L{{. day of
(h ':?OV:{ A.D.
\ h~/l?:::!fv. ~
So Answers:
r-~~
R. Thomas Kline
06/09/2005
BROMB::~ & M~ k ~
Deputy She iff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYL VANIA
CIVIL DIVISION
LEBANON FEDERAL CREDIT
UNION,
Plaintiff,
CIVIL DIVISION
vs.
ERIN KANTES,
Defendant.
No.: 05-2676
PRAECIPE TO ENTER DEFAULT
JUDGMENT
Code: 010 - Contract
Filed on Behalf of:
LEBANON FEDERAL CREDIT
UNION,
Plaintiff
Counsel of Record for this
Party:
GEORGE A. MILLER, ESQUIRE
PA I.D. #22525
BROMBERG & MILLER
Firm I,D, No. 937
1030 F1FTH A VENUE, STE. 102
PITTSBURGH, PA 15219
(412) 232-0440
File 57011
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
LEBANON FEDERAL CREDIT
UNION,
Plaintiff,
CIVIL DIVISION
vs.
ERIN KANTES,
Defendant.
No.: 05-2676
PRAECIPE TO ENTER DEFAULT JUDGMENT
TO: PROTHONOTARY, COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
KINDLY ENTER DEFAULT JUDGMENT IN THE ABOVE CASE AGAINST THE
DEFENDANT, ERIN KANTES, in the amount of EIGHT THOUSAND TWO
HUNDRED NINETY FIVE AND 88/100 DOLLARS ($8295.88) plus costs and
interest from the date of entry, the Defendant(s) having failed
to file an Answer to the Complaint.
More than ten (10) days have elapsed since serving the
Defendant (s) with a copy of the "IMPORTANT NOTICE", a copy of
said Notice with the PROOF OF SERVICE being attached hereto as
EXHIBIT "A".
~'-2
GEORGE A. MILLER, Esq.
Attorney for Plaintiff
1030 FIFTH AVENUE, STE. 102
PITTSBURGH, PA 15219
(412) 232-0440
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
LEBANON FEDERAL CREDIT
UNION,
Plaintiff,
CIVIL DIVISION
VS.
ERIN KANTES,
Defendant.
No.: 05-2676
NOTICE OF JUDGMENT
TO: DEFENDANT(s) ABOVE NAMED:
ERIN KANTES
7 Oakwood Ct.
Camp Hill, PA 17011
TAKE NOTICE, that on ~ JUDGMENT was entered
against you and in favor of the Plaintiff (s) in the amount of
EIGHT THOUSAND TWO HUNDRED NINETY FIVE AND 88/100 DOLLARS
($8295.88) plus costs and interest from date of entry.
PROTHONOTARY
~ /b Q/l 0 - t! . 7r.02/24 ~
Deputy
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYL VANIA
CIVIL DIVISION
LEBANON FEDERAL CREDIT
UNION,
Plaintiff,
CIVIL DIVISION
VS.
ERIN KANTES,
Defendant.
No.: 05-2676
TO: ERIN KANTES
7 Oakwood Ct.
Camp Hill, PA 17011
Date of Notice: July 5, 2005.
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST
YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE,
A JUDGMENT MAYBE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU
MA Y LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS.
YOU SHOULD TAKE TillS 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
32 S. BEDFORD STREET
CARLISLE, PA 17013
Telephone: (717) 249-3166-800-990-9108
File 57011 ~
George A. Miller, Esq.
Attorney for Plaintiff
1030 Fifth Avenue, Ste. 102
Pittsburgh, PA 15219
(412) 232-0440
PROOF OF SERVICE
THE UNDERSIGNED, George A. Miller, Attorney for plaintiff
herein, does hereby verify that the IMPORTANT NOTICE, a copy of
which is attached hereto, was mailed to the Defendant(s) herein
on July 5, 2005, by U.S. Mail, First Class, Postage Paid.
This statement is made subject to the penalties of 18
Pa.C.S., Section 4904, relating to unsworn falsifications to
authorities.
~k
"
GEORGE A. MILLER, Esquire
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05-2676
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
LEBANON FEDERAL CREDIT UNION,
CASE NO. 05-2676
Plaintiff,
CODE NO.
V5.
TYPE OF PLEADING:
ERIN KANTES,
Defendant
PRAECIPE TO WITHDRAW
JUDGMENT AND SUGGESTION OF
BANKRUPTCY
FILED ON BEHALF OF:
Lebanon Federal Credit Union, Plaintiff
COUNSEL OF RECORD FOR THIS
PARTY:
GEORGE A. MILLER, ESQUIRE
Pa. LD. No. 22525
BROMBERG & MILLER
FIRM LD. No. 937
KETCHUM CENTER
1030 Fifth Avenue, Suite 102
PITTSBURGH, PA 15219
412-232-0440
File No. 57011
05-2676
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
LEBANON FEDERAL CREDIT UNION,)
)
Plaintiff, )
)
vs. )
)
ERIN KANTES, )
)
Defendant )
CASE NO.: 05-2676
PRAECIPE TO WITHDRAW JUDGMENT AND SUGGESTION OF BANKRUPTCY
To the Prothonotary:
The Plaintiff, Lebanon Federal Credit Union, hereby withdraws the judgment entered
August 1,2005, because of the prior filing on July 29,2005 of a Voluntary Petition in
Bankruptcy under Chapter 13 by the Defendant, Erin Kantes, at Bankruptcy Case No. 05-04973
in the United States Bankruptcy Court for the Middle District of Pennsylvania.
Respectfully submitted,
BROMBERG & MILLER
.-::J ~
~
BY:
GEORGE A. MILLER, Esquire
Attorney for Plaintiff
,
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