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Home My WebLink About05-3124 UDREN LAW OFFICES, P. C. ATTORNEY FOR PLAINTIFF BY: Mark J. Udren, Esquire ATTY I.D. NO.04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@Udren.com Bankers Trust Company of COURT OF COMMON PLEAS California, NA, as Trustee, CIVIL DIVISION pursuant to the applicable pooling and servicing Cumberland County agreement and assignment of all servicing rights from UCFC FUNDING CORPORATION, by EMC MORTGAGE CORPORATION, as Attorney in Fact 909 Hidden Ridge Drive Irving, TX 75038 Plaintiff v. Tracy L. Newcomer Tenant/Occupant 46 Country View Estates Newville, PA 17241 (Premises Defendant(s) NO. OS - J,/~Y C'u;{->~~ COMPLAINT-CIVIL ACTION REPLEVIN/REPOSSESSION OF MOBILE/MANUFACTURED HOME 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 LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Lawyer Referral Service Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 AV1SO Le han demandado a usted en la corte. 8i usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta ascentar una comparencia escrita 0 en persona 0 con un abogado y entregar a la corte en forma escrita sus defensas 0 sus objeciones alas demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previa aviso 0 notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder. dinero 0 sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO 1MMED1ATAMENTE, S1 NO TIENE ABOGADO o SI NO T1ENE EL DINERO SUFICIENTE DE PAGAR TAL SERVIC10, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONnE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Asociacion De Licenciados Servicio De Referencia E Informacion Legal Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is required and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt, and any information obtained will be used for that purpose. UDREN LAW OFFICES, P.C. Is! Mark J. Udren, Esquire WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SlliTE 200 CHERRY HILL, NEW JERSEY 08003-3620 (856) 669-5400 UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO.04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 pleadings@Udren.com Bankers Trust Company of California, NA, as Trustee, pursuant to the applicable pooling and servicing agreement and assignment of all servicing rights from UCFC FUNDING CORPORATION, by EMC MORTGAGE CORPORATION, as Attorney in Fact 909 Hidden Ridge Drive Irving, TX 75038 Plaintiff v. Tracy L. Newcomer Tenant/Occupant 46 Country View Estates Newville, PA 17241 (Premises) Defendant(s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. ((j~~ JI.J Y COMPLAINT-CIVIL ACTION 1. The Plaintiff is Bankers Trust Company of California, NA, as Trustee, pursuant to the applicable pooling and servicing agreement and assignment of all servicing rights from UCFC FUNDING CORPORATION, by EMC MORTGAGE CORPORATION, as Attorney in Fact, a corporation with a principal place of business address as set forth in the caption, and is authorized and qualified to do business in the Commonwealth of Pennsylvania. 2 . The Defendants are Tracy Newcomer and L. Tenant/Occupant, adult individuals, whose last known address is as set forth in the caption. 3. On or about August 10, 1998, Defendant, Tracy L. Newcomer, along with Thomas W. Newcomer, deceased, entered into a Mobile/Manufactured Home Retail Installment Sale Contract, (hereinafter referred to as "the Contract") with Carlisle Mobile Homes, Inc., for a 1999 Redman Shadow Ridge 5078, 44' x 28', Mobile/Manufactured Home, Vehicle Identification Number 12233634. A true and correct copy of said Contract is attached hereto as Exhibit "A". Thomas W. Newcomer, husband of Tracy L. Newcomer, died on January 16, 2004, and therefore, by operation of law, as entireties property, ownership of the Mobile/Manufactured home passed solely to Defendant, Tracy L. Newcomer. A true and correct copy of the death certificate is attached hereto as Exhibit "D". 4. By the terms of the Contract, the Plaintiff, and/or an Assignor/predecessor in interest, maintained a security interest in the subject Mobile/Manufactured home. 5. The Contract was assigned to Plaintiff either by Assignment contained in the Contract, or by a subsequent Assignment, a true and correct copy of which, if applicable, is attached here to as Exhibit "B". 6. Plaintiff's security interest is evidenced by a Commonwealth of Pennsylvania Certificate of Title, a true and correct copy of which is attached hereto as Exhibit "Cu. 7. The Defendants, pursuant to the terms of the Contract, have defaulted under the Contract by failing to make monthly payments when due as follows: November 15, 2004 throuqh June 15, 2005 Installments @ $559.01 per month: Late Charges: $4,472.08 $45.00 TOTAL $4,517.08 The subject Mobile/Manufactured home has a current retail 8. value of approximately $21,557.08. 9. Plaintiff believes, and therefore avers, that Defendants have possession of the subject Mobile/Manufactured home, and that the Defendants are in default of the Contract and therefore, inter alia, the Plaintiff has the "authority" to obtain possession of the subject Mobile/Manufactured home. 10. The value of the subject Mobile/Manufactured home and the Plaintiff's interest therein will be adversely affected by the continued possession and use by Defendants. 11. Defendants have failed and refused, despite repeated demands by Plaintiff, and despite Defendants' obligations under the Contract, to pay the balance due under the Contract or deliver possession of the subject Mobile/Manufactured home to the Plaintiff. WHEREFORE, plaintiff respectfully requests, prays and demands that the Honorable Court grant judgment of replevin and/or possession in its favor and against the Defendants, together with reasonable attorney's fees, interest and costs; Order the Defendants to IMMEDIATELY deliver possession of the subject Mobile/Manufactured home to the plaintiff or to IMMEDIATELY reveal the exact whereabouts of the Mobile/Manufactured home, if applicable, for Plaintiff to take possession by its own means; and that Defendant's failure to comply with this Order shall subject Defendants to the risk of appropriate sanctions which may include, but are not limited to: fine; and any and all other relief which this Court deems appropriate and just. Respectfully Submitted: UDREN LAW OFFICES, P.C. By: u ,Esquire or Plaintiff Loan No. l);37oo003495 RETAIL.TALLMENT CONTRACT - MANUFA~D HOME FEDERAL TRUTH IN LENDING DISCLOSURE STATEMENT punCHASE AGREEMENT:' This Ratail Installmant ContrllCl ("Contracl").'.conJalns ]fi<0ijfoii.aoCCco1i~ftiQij~ l>Q Wfiicl1~Jili Js-~eml1ll, llna-.EluyliLls purchasing, the Manufactured Home described.below. _ ___ . _ ~.. ... MEANING OF SOME WORDS. In this Contract, the words. "you" and "your' mean anyOne signing this Contract as a Buyer. The words "we," ~u.s" and "our" mean Seller or, if Sener assigns (sells) this Contract to it, UNITED COMPAN\E5 FUN.DING. INC. ~ In this Contract, -thifwords"Manufactured Home" or "Home" mean the .manufactured hame and the additionaLAppliances. Accessories and FurnishIngs sold with it (see Descrtption of the Manufactured Home below). If there is.D1Q.re__tl1an ~B..uyer, each will be obligated, separately and together, to pay all sums duallll.d.to keep all promises ma~e 10 us in this Contract. This Contract is between Saller and Buyer. All disclosures have been made by Seller. SELLER CARLISLE MOBILE HOMES. INC. Name 1145 HARRISBURG PIKE CARLISLE. PENNSYLV~NIA 17013- Addru.. . YOUR MAIUNG ADDRESS. You promise to advise us of -any change of mailliii;,-acrdi,'sswlille-fl1ls' Ciinti'iCCIS-in-effECt. Mer.. daliverv 01 the Manufactured Home. we should send any papers or notices concerning the Manufactured Home purchased under this Contract to: Buyer mOMAS W NEWCDMER . t;:?U~a'lJJF;l!Y~~l'm- Name ee or OU ~n NEWVI$ City or own ~MB~D . unly &~U~'()!'!;;W ~~TES ee or ute WatlID'LVANIA tf.NNSVLVANIA ata !ft~~-;'e COBuyer = L NEWCOMER ~MBeJlLI\NR unty Wt1;de' Co8uyer Nama ~reet or Roule City or Town County -.state _ _.. _Zip Co~e CoBuyer Name ~e.ftlOLHQUJfl.__. ____.._______. City or Town LOCATION OF THE MANUFACTURED HOME. 46 COU~Y VIEW ~A~ Street or oute County - titate After dallvary to you, the ManufactUred !Tome will be at ~~VVIEW~~ sma 0 Park and wner 0 ParK Zip cooe ~lLLE m~~?i~ __~:~\'LV~A ___.. _P~~d~ DESCRIPTION OF THE MANUFACTURED HOME (ThaMai\uloctured Home includastbll addiUonal Appliances, ACCessories an~ Furnishings.): New 1999 REDMAN SHADOW RIDGE S078 12233634 44 28 New ear anuacturer,s ame 0 e .1mlQ..a .Q.,e '" .__ __ ."___ a.D..Yac..L~_____. _D..9__ _. _...L.. Used .. ... _ __ SOrial o. -- Item -- -... Serial Number -- .;-- Item -- - Serial Number -- A~dlUonal AlC AppUances SKIRTING AccessorIes and Furnishings STEPS PROPERTV DAMAGE INSURANCE REQUIRED: You must Insure lha Manulacture~ Home agalnst~hYSICai dam_ until oJl lIIT19unts you owe us ara pal~ in lull. This insuranCll must be in al11Qunts I!.nd es ac<:aPloble to us. If tho a Manulactured H me IS to be tril.nSP<lrtlld on tha hlghWay.~u must nave $100,00 cfeducti.ble trIp Insurance. If the Man actured Home is to be lOI;8ted In an area at has been lderttffied by t~ feOeral' rgencv Managemant Aoancv I!.S an a",a havill<l S1>0C1a1 flood ""ards, you must gel nood Insurenca. Vou mllSl pay for any Insuranca~ !wed by this on"lIC!. You Tni purctrase lhlS insurance frorTt any insuran~e comPany authorIzed to transact business in Pennsylvania. You also a provIde the requirea insuran Wfth a policy ou mread own. HOy.'JWer,.If you Qet tHe reauired. insurance on VO\lr .own, the .insurance must include 1 deductlble prowa.tons and en rsements aQC table to s; c: proViSIons th8l COV"iK es wm !)ot be ca1lcellad of dll mi had Without s least 10) ds ' rior written notice to US; and (3) must not IniFuda any ~~CI~~r of lhe Inaure(s IlaS,ty 19r flll/ure to give such no~, ~ou will provl~a us Jt~ Iha orl in.\'lnsuranca policy, or other P'.001 satlsfactotv to us ef Iho insuranCll coveracet 1oa1l111.r With aI andorSameDts \eQUired by US.' neluding an an.~orsem.a ..naming us as the partv JO whom all lasses WlJI be ps\1. If yo~ re~uest, we WU ol:StalO Insurance for you. The nsurance coverage we can get 10r you gives YOLl more types 01 ~rrri'~~~~e= ~:.I;,r:~~tef~r:Y~'lS C ~~~~ starting . . -ana. will CoSt$Nila -- . - . you"- a4ihorlze ..~. -to -- fur-riish - sp.ecffic informatIon about tbe Manufacture orne to any JnsuranC"e agem wno may want to quote 'premt ms ana to soliclt your Insurance: ~usiness.. If at any time you fall to gal. or keep I~ tOf~anY insuranca.raQul",~ by. this Contr.c~ we may (but ara.not rllQuirad lq\gat in~urenCll lor you. al Y9ur expense. If ytte Qat you tms ms.uranbf! it will dual mterest ,"!\Iorance. You authgrlzQ us tQ refease to third partfes any Information necessary to monltor the. status..o!Jnsl1taJ1te on your ManUfactured ome and to get the Insurance descnbed.in thIS Contract. . You !lar~ that we may earn a fee or commfsslornn-C6nneCtTon with placement of any insurance sold in connection with this Contract to the extent permltfed by iaw. It any insurance we get"'for you is cancelled b~ the insurance company, and replacement covElr.age results If) additional costs to you for the uneXf:irSd p dd of the orl lnw I"hsurante oli . w~ will reImburse OU for the co!s. If we have pcrchaseo any required Insur nee on our behalf, ~t ur e nse a~ If you pre~v the sums dee gr. thiS Contract, unl~s you speCi~callY reQuest canCellation, the Insurance wnr rem~n ~n effect until ~ sc~ uleo expIration date. If we cancel at your request any re~U\red Insurance we have purchased on your behalf, we will credit any. premium refunds to any matured unpaid InstaJimaClts due O:n this COntract. If tt'lere are no matured unpal~ installments tti.en due on this Contract. we Will cause to be paid to yoU those premIum refunds. . . UCFI Form MHPA11 (PennsyJvanla-Dealer) - Page 10'5 008 DRAFT 8 011141S7 Loa'n No. 153700003495. . CREDIT INSURANCE AUTHORIZATION. WE DO NOT REQUIRE YOU TO GET CREDIT LIFE and/or CREDIT DISABILITY INSURANCE WITH THIS CONTRACT. CredlU,lfe and/or Credo Di.a61\lty In""rance ara not requ~ed "'_abtain credn and wI>> nal be-pravldod unlass you -slim this authari~aUon, !l!ll'ee~ pa~tl1e addItional cost and your applIcation for Insurance ts app,roved. If re~uasted and approved, credit Ufe 1nsuranoe Will be Issued lor the Inldal mo t of Benefit .teted below, and WUI be in eff~lloJ \he I)\!mber Of montlis, otated beloW, beolnnino on \he effectlVh" date of the aolic~. Thls bene twill ecrease across the term of your Contract. 11115 credit Ufe Insurance may not cover the 9n"re b1!1anee due on t rs COntract af the time of death. If requested and approved, CredIt DlsabUlty Insurance will be issUed for the. monthlv Amount of Benefit\ stated. below, and will be in effect for the nYrn~f;lr of mQnths\ $too below, bealnnlna on the e.ffective date of the policy. 'This CreCtlt Disability Insurance may not c:over the entire period of dlsabllny ff the penod 0 dlsabll1ty exc:eeds"1he term of the c:overage. ~ Number of Months You Are Covered TyPe Amount of Benellt Tolal Premium Single Credit LJfe Insurance - (one Buyer) o months $ 0.00 $ 0.00 per month Joint Credll Ufe- Insurance". . ~ (two Buyerll) o $ 0.00 $ 0.00 per month months Crodit Dlsobillly Insurance (one Buyer) o months $ 0.00 $ 0.00 per month Your Slgnature I want credit life insurance Signawre - Buyer #1 I want )oint credlt lite insurance Date Signature - Buyel *1 I also want Joint ctedltl<<e Insurance Date 51 nature - au ar #2 I want credit disability insurance Date. Signature - Buyer #1 Date ANNUAL FINANCE Amount Financed Total of Payments Total Sale PrIce PERCENTAGE CHARGE Ths amount 01 credit The omounl you wiU have pald The total cost of your purchase RATE The dollar amount the provIded to you or on after you have made an on credit. includIng your The cost of your credit credit will cost you. your behalf. scheduled payments. downpayment of as a year1y rate. $ 4.400.00 -- 10.DOO % $ 66,315.88 $ 39,577.50 $ 107,893.31 $ 112,293.38 _Security: You are gMng a secLlrlty Interest In the Manufactured Home ..arid reJ~~!3d h!?u~hf2!g 9.9Qds. __ _ .._...:...._ n~__'_.___ Late Charge: Each dme you failta make a paym<inl in full Within mieen (15) dayo ener it Is due, you will pay a late charge of two percent (2%) at the unpaid amount of the payment, or five doUars ($S.OO), whichever amount Is less. Prepayment: 11 you payoff early, you may be entitled to a refund al part of the Finance Charge. Assumption: Someone buying your Manu1actured Home may, subject to conditions, be allowed to assume the remalnder of thIs Contract an thl> origirutUerrnlk___ --- Other Jnformatlon: Refer to the rest of this Contract ror any additional Informatlon-about s'ecurlty .lnterestS. nonpayment, aefault, -any required repayment in full belore the scheduled date. and pre a ment refunds and nalties. _ .. ____ IF YOU DO NOT MEET YOUR CONTRACT OBUGATlONS, YOU MAY LOSE YOUR HOUSE, THE PROPERTY THAT YOU BOUGHT WITH THIS LOAN, OTllER HOUSEHOLD GOODS AND FURNITURE, YOUR MOTDA VEHICLE, YOUR MANUFACTURED HOME, OR MONEY. . . PROMISE TO PAV: Vo~romfse 10_ p~ us tha Total Sale Price for Ihe Ma~ctured Home by 'rkthe 00 npavment, and th.en~Ying ua the ota! of P ymen hen u sIgn Is COntract 0 Will pay us any aid ?"ance ~harge own. Y.ou will pav th~ If'otal of avments bv paVing to us monthl~ payments In the number and amounts of pllyme'ntS shown in Your Payment Schedule. Your first payment will be Clue on the date shown in Your P~ent Schedule, and ~bsequent payments will be d4e on the eame day of ~erv_ month ettar that Each mentnlv payment Will be applied as of Its scnetluled dUe date. You will make g)"1 payments to: U P . or any 0' eLa ress to W Ie we ater te y,ou n wn nQ to san your ;YmllO~ The inhar~ shown has been caiculaled base On a ihtraot ate of '% r annum. plus Pr 10. F n~nce rge. own. pu-promlse pav in1er..t af the ~ntrac'\"~ate un lithe b anee due on IS contract is paid in uU. nless we agree dlneren ,In wr ino_, or are otherwise required bv apal~able law, payments JIr be ape/lea first to unpsld scheduled lnonthl}! paymems, next to unpaId aC1 anres we make on your behatf, and last to any unp8Jd collection Costs and tate charges. LATE CHARGE. Each tlme you filii to make a payment In full within 15 daeS lifter ~ io due vou will pay a \jlte chan!e ollWo percent (2"'" of the un ald amount of ihb pal'tT1<lnt, or five do 0 \$5.001, whichever amount rs ess. onlv oneU{ate charoe maY be colee ad on any Installment no matter how l(3ng It remains in 1:lefaull UCF1 Form MHPA 11 (Pennsylvania-Dealer) Palle 2 of 5 "e" means estimate Your Payment Schedute will be: No. of payments 299 1 Amount at Payments When Paymen1S Aie DUE $359.54 Monthly. bell1nnl"ll SEPTEMBER 15, 1998 $361.02 AUGUST lS, 2O:l3 EDITS; YoURIG PRA;YU YOUR RIGHT TO REINSTATE. YOU MAY PREPAY ANY - UNDER THIS CONTRACT WITHOUT PENALTY. Unless we agre~differentIV, I~ writing, extta or early paymen.ts will not chanae your obf atlon to OOnllnue ta inake p""ments as required under the Pllyment Sc edule, blJ! mllY redu~ the ptlnclpal belance due and m result in fewe a ants. If' OU 1 pr ay th Contract In full, 0 2 ff ~u delautt and raW tf2ure ~u1defau a~ we remand payment ort~~ entire balance due on this ntract, we Will oive you a cJ'edit for any unearned finance Chall~~ ~ c:ulated b~he actuarial method, Howevet'l no pprtion 01 an~ Prep Finance Ch e will be rebated. You then wfl be G)l:;,td a Fi ance !lime on the nt due. tram the date of the creclit, the ontract Rale or l\l the hi h t rate allowed b the ....."mICab law. whiphever rale then is lower. ~ether YOU ~reoay ~r we . de and paymen In full, n refund or credit of less than 1.00 Will be ma e. K you de\au~on Ih~O Contract and we repossess t o. CQllate(al, ~u max, ture or. ra m the Collateral. anqJhe no\~~ ot thiS COntrllCI co':l'dlli~n:~~""th8u 0~1&'Wt ~80Rf~I5~'W1l~8ul\' Rif&'irf'~8"a~ BACK YOUR HOME). AMOUNTS DUE AT ANYTIME._ YOUR TRADE-IN. You aromise that anY proaertv treded-in '" tree tram anv liens security Interests, encumbrai\cbs br 6ther claims. Vou also promIse that VQU. are, at the time ot the trade-in, the legal owner of any property traded-rn. Do8.-I)RAi'T801114197 . loah No. 153700003495 . ITEMIZATION OF AMOUNT FINANCED: 1. CASH PRICE a cash sale prIce $" 43.950.00 b. sales tax $ 0.00 c. Total Cash Price . _ __ $ 43.950.00 2. DOWNPAYMENT a cash down payment $ 900.00 b. Your Trade-In: 1. trade-In ellowance $ 3,500.00 iI. balance due on trade-in $ 0.00 8J. net trade-in allowance (amount on line 2bi minus amount on Ilna 2bll) $ 3.500.00 1979 POLORAN Vear Make POLDRAN 14 J< III ~ Metler !;lZe Soria/It c. Total Down Paymenl (~unt on line 2a pIus amount on line 2blil) $ 4,400.00 3. UNPAID BALANCE OF CASH PRICE (amount on line 10 minus amount on line .2c) $ 39.550.00 4. INSURANCE PREMIUM COSTS a. Manufactured Home Insurance 0.00 ~ month term) $ b. Gap Insurance $ IUlO ~ month ,term) c. Crewt Ute Insurance , ~ month term) $ 0.00 d. Credit Pisabm~ Insurance $ 0.00 ~ monto term) e. Total of Insurance Premium Costs (sum of amounts on lines 4a through 4d) S. AMOUNTS PAID TO OTHERS'ON YOUR BEHALF: We may be retaining a portion ot Ihe oharges set tonh below. .. To PubUc Officials (TltIe & Filing Fees) $ 27.50 b. Other: $ 0.00 c. Total of Amounts Paid to others on Vour Behalf (sum of amounts on lines Sa and 5b) 6. PRINCIPAL AMOUNT FINANCED {sum of amounts on lines 3. 4e and 50) 7. FINANCE CHARGE 8. TIME BALANCE (sum ot amoun1B on lines 6 and 7) 9. PREPAID ANANCE CHARGE 10. AMOUNT FINANCED (amount on !lna 8 minus amount on line 9) n. PAYMENT SCHEDULE ( pa~nts of $ CIiiOrfjOntHiy t.><!ginnlng {1 payment of $ aLla_gn TlUe and Filing Fees (If not financed) $ 0.00 $ 27.50 $ 39.577.50 $ 68.315.88 $ 107.893.38 $( 0.00 $ 107.893.38 each, I I 0.00 - $: SELlER'S AGREEMENT. seller agrees to tills Contract. and. aubject 10 acceptanoe ?y UNITED COMPANIES FUNDING. INC. acceptance at its designated office. assigns It to UNITED COL'lPANIE'S FUNDING. INC. In Bccorda.noe with the assignment set forth herein. Notice of acceptancels hereby waIVed. By data' 8 1M (y;f. . AR8fTRATJON. &pept as -explalnecr'beIow~ .y6u..and we understand and 4gree that all diSputes, claims or controVef'SJ8S from or relati~ to this --=-contract (whether under case law, statutory Jaw, ar any ather laws _ inoluding, but not limited wI aU contractl tort and p':ropertv d\sputes) shall _ ' be resorved by blntllng arb tretiOn ("Arb tratlon"). This COntract Is made pursuant to a transactiOn In Interstate commerce and shall be governed --.... - by the Federal Arbftration Act at 9 U.S.C, Section '1. Arbitration shall be conducted by one arbitrator selected by us WIth your consent You and . . we agree that th~.e.[b.itrator shall l1ave elll powers provided by law, and . --thiS - Contract. These powers shall inclu~ all legal and equitable remedies including, but not limited to, money damages, declaratory relief _ _an~t .iOiunctl\le rerret Judgment upon the arbitrator's decision may be ...enteredJo any court haVing jurisdlction. You and we agree and understand that you and we choose Arbitration Instead of litIgation to _ _ ~ resolve disputes, exCAAl as explained beloW. You and we unoerstand that yau and we each have a right to t~lgate d.tsputes in caun, but that -you and we each prefer to resolve di~utes throuQh Arbitratlgtt~ except as explained below. YOU AND WE VOLUNTARfi.Y AND "",OWINGLY WAIVE ANY RIGHT YOU OR WE HAVE'. TO A JURY TRIAL EITHER IN ARBITRATION DR IN A COURT ACTION BY US. EXCEPTION TO' ARBITRATION' ven thou h ou and we ArbilrAtion~ we stili IU c a ng a awsu or OOI1IU c a Tenef to en10rce our security Interest, or to olherwlse co leat the paJance due on this Contract .JHe..~beQin a lawsuit to enforce our security interest, or to obtain a monetarY juogm&nt. withOUI waIving your right or our rigltt to compel Arbitration of any other dispute or remedy, lndudlng the fi"' of a counterclaim by you in a lawsuit brought by us. You may still use udlcial --OC.DOniu.dicial relief to seek redress for any illegal act committe In the colleCtlon- of payments under this Contract or In the repossession of the Manufactured Home. - , NOTJC~ TO THE BUY.ER;J.>O NOT SJGN THIS :'C'01'\I11 ACT IFSI.ANlC- TOU AR'E ENTITLED TO AN EXACT COpy OF THE CONTRACT Y SIGN. KEEP IT TO PROTECT YOUR -L L RIGHTS. 8-\0-'18 PHi) q~ Buyer .d~ta }j~te Buyer BUYER ACKNOWLEDGES RECEIPT OF A PLETED COPY OF THIS CONTRACT AT THE TIME OF SIGNING. dale 8 -10 -99 bate B~\O-q 8" date. date Buyer Buyer "-') - GUARANTEE OF BUYER'S PROMISES. The undersigned. Jointiy and selJeralty I agree(S) to pay amountS due on this RetaJl Installment Contract ~!!lLQJ. IQ\!i!Y'\l.9A1e and...ll!Jl!Li!ll..mJQI.I~ c;l~on this Contract are paid in ~ full. The undersigned also agree(s) to a1ll1ta terms and conditlons ot this ,." RetalllnstaUmant Contract. On f {)I\"lI) read, ecelved a completely, filled, In copy INSTALLMENT CONTRACT. signed, and of this RETAIL . C".iQn~' X .:.Co!rlgner: X DISCLAIMER OF WARRANTIES NO WARRAKTIESJ EXPRESS DR IMPUED OR FOR ~ MERCHANTA81UTV, FITNESS FOR A PARTICULAR 'PURPOSE. OR . OTHERWISE. HAVE BEEN MADE BY US ABOUT THE COllATERAL " '{OU ACKNOWLEDGE HAVING EXAMINED THE COLlATERAL, AN!?, IF IT IS USED ACCEPT THE COLLATERAL "AS IS." THI", '.. DISCLAIMER DOEs NOT AFFECT ANY WARRANTIES COVERING TIlE'. MANUFAC'T\JRED HOME WHICH MAY BE PROVIDED BY THE ~ MANUFACTURER OR WHICH ARE REQUIRED UNDER STATE LAW. Pllge30fS D08 DRAFT8 01114197 Laa/! No. 1537000034S5 O'l!~,T>E.CUl\~ \~c.s~ To .ecure p~ment 01 all .iIW,n1$ due or II we .e;ticd IOU ~Notlce 01. Delault and~do no.! c~e y,~r. delaun In Ihe IV me u e under t ~ C, ntr Q nt os a T I st In r d w hlri th, I Ir'iod ibed J tica, r if. ou It':! -=tuT,gj'~ome an In ~I ot~ ~m! ~l ~d u~t s ~~:!iacl ~:.r..8ml, dwe 0 if ~O\1llmyo~"'1ve you. Otlce 8r Jlau, we tmln h~va i'lU. secu~lmerest Ills<> co~rs DrOCS"" 01'1"1 e ManulaclUdrad"l-llmeo I e r Ih to eclare mmadlater dUa and ",~na the en~r'l alance due on anQ'. all ac 101 acnmen. adCI re aceme an a itl::> IS 0 ct. To t e extent ml L1 aW ou W8Jve resentment ~' w~ er a~e~~now or aler'd"Bffl~]antllacture~'F\o~,a:,aA~~s em.n~for payment, prot , ntg\flce Yo Clnlfi'cinor, ang notice 01 r [lJd roe~a tha procea .coo a~ ""oqa are ...,ed '~he accalerAtIon, . a e In onttad: The a. er alSO lnGIUd~ U1 rllnCe s an re un s of Jl')S ranee l?r[ ms, ~n a d cnbe ;tl w OUR RIGHT TO REPOSSESS' YOUR RIGHT TO GET BACK YOUR e:, ""te IllS 1ii\" rOt . !~,,:l' par1\L!!"t 0 '1:.. . a' omr'8estr~ t~1iil HO. We mav r ossess tha Collater jf: 1) ,vou are In default; and ~ a ral, or fro nsurer. 1111"" r. Que t . U me ttlernen or au 0 ot LIse an nant to c r ur t tnat a h e' and o~erero<:ess'dB'es!~"an~om.;rpro slono/,t'?lI~ ntract,Wow""e~r we ~~~&I'arelf:l1~~at~v eavJl6r.>w, lurtW ent"J'W.ra'~e ~e on ~J are nCltf!~ante ,an WI n t nave, a nonourc ase monev s.curllV int rest IlOn~~t; an we send v~( anv NO.S~ 01 Accele~lIon r:.xu"e~ law; In hou old goo ,-~to e extent such a secunty Interest waul be and Within e fame statl! In the No ce of Ace ~~ QU a eil to prohlbi e by epplica",~ law. pav the enl"e "'lIne!>. ue 0 I~e ontract, n b fi 10 re an . . , OUter events. 01 n WhlC we av seemed. n event we ma C nYou ~gr.ee~ keltJhe conater~n ~ood condition end reD.,r. 'I the repOll"".S W1t'l:iouf !I~mo you anv ~~ rt~aiP notlc.9. ~au aut orlze ualo }~ . 0 atera ellS am r,'roC9nnsoau te L R"'ra, fO'-hae'tnlawn, vouf \vJll~ rnttj vdur license plates~or the collaler~1O move tne &;lIaler to the place "ell I1T1mp;' iV. ou VlCle a n OO~L W '1 ~'3 '"'I<. or(:, , slOraga. ~ou Yelf\eme~.re 2 t...as ~ ntte 0 . ..' . BN n ~", o~tr~ n':fan o~re ooa'c~er e.'. It we 0" w take 0 n 01 an ther ro aa~n iT.,'( oU en IS lell nl f,an 'nstt~~oma an ,] anvw~ere'l'rf'or~hea~e~Kaler:J.'\ aoreallro~ojl:')toll.lU~ orne 1$ I QUd' air If' u 181 a fOr ulrecrin ran 1 00 suOh ro to u U 0 ur re ues, : ma Mid me to e Y I tOr ~ajf~~r lot ifm lanr.~r otie~~j~t~ if1fJou'r.I'~atlsl vouhafvolmYsk ~QUt~laP"I:~ onto'1Jr Pjlr1~f~ rake oo~].'!,.e!,O~ ;;'iia~~ a ..s_mants.. or r ~na or..ncu n s llQlIInat Ih suo ~rooertv, wa Will notilY ou n wrilii]g. It you do 'hOi'\hen l>rQrnP ~.nutaclUrad Home, n~ou a to eaR 'i. bHome ~aoo reolltl'o orll~ \lOU Cllllm andf.tal! el~oSS8SS1on 01 thlS~roP8ny<, we h~e vour~ermlsslort. all to make other e: '\'s r If thIs Ontr or a cdble d ass It Q faa n lD e m nner. TOU W av 8 reasona e aw, we may9llY.t are n t '>'.llrerred~ma e ~nv suc re~"Jl1a or~men~ cI,".!'~\.s for .sto OQ or al';\'o.l1go &lC property whlc WI m Incur to me we choOse. An:; ana O\Q.oCh 0 nts maae bV us. ''!!J.d an u~s aXtem perTT1ltted O'l appf,C'a6\ii1aw. ~a to rg.J.:toc;r t~~O~n oUb anM" .~n~~i w~~n ~~r to t e 11 w ra 0 we wUI send Wri e notice statln s e fica! the ~lf.~ y~!u agree to P~"V a ~nance c~ergjl on 'iMese ~Uunts"".W' event ~oT ~rau'r.a~ ~arnount, fe"TT1IZa~, lh,aJ/.'lu !a r~r~ l~~Y to mr~ f{~le. :At OUt so e 0 tl n wa rnaV.J1l'demand 'Ilia! you rell cure I e etautt or re . Aner we re , an U 0 not"' c t untS I Cfi I . add tM$Ei amou to 0 ~ ura ant cur; or ra ae ,that au ma va, e s Co :tera ac ed~ ~a.vrna~ o~J~ aid8B;"e amounts as a~liitionXJ ff,sr~m~ ~a1~~~edaal'e 0\ a Pu'llhCa!'X!lIon. ~ noll:~iif ba a~lheen at~JE due, oi,(4) aClll thes~ ameun1S to 1ma nnSllnatallment due on thlaCOii!ract ee 1 st ava bmPraAOV -d" dTha ~.mm. sn 8lln1ntrtc>act address .. w~lc ad I e M~LIrrn A r see on.o IS Co or to an ~~our sac~\w Inter~ahall remaln m~ect un~~~ havYk.al~ the 0 er a dress wRic you~~ give u'i'l'n ~ng. y ance In on thl. ntr, 0\ en ns 8 v u . e ltand re our u s v ntso a an our rc 1t ,B foreth Saleyousti ma: t Hat if 0 1 u all to m&c~, 0 "JIJ~au~~u~I~1 \j~re ~ou?be auK sec\lOna Q~' mst~nts 3ue or past i!lLe~t!r.~~'~fo~~e Y:'i,~I.liJr~'1i'f1i1.: to. COntract o~r socur er Ivas ua the riahtlo lellO_SS thl! COllateral VOU,oay us any U~llaJQ.la e or err p aro , ~ay us pur co of and res I itlaea Our Ig t 0 possess aedDon of trua COntrOCl). sUI!.. rUd'n~ut ('~~ 1I'J11l,!' to a :o{nevs ea~ oh I h WI!. have a ht . Y loA also ran us ~ securl Interest in an insurance roceed::l; n~r h\ a~ 5 'jfaB~l(}1t 4t ffiagB~YQ~\er~tonW~h a Inolu3m une~a~ pteTTllums, !tina to Ilerson'il or ~nl:'.sure(! 10 "~~ n"l'liW a"" \\, ~expenaes o~ retak~ng rep:Jling an~ stonn'rl~ connec n t thls comrac" 1'1 mav, It we want. u 'Insurance ~ater'al-.ulowea' "', aw ' prooe<i to r ce anv unowd 1lI811r;e 91). thla COntre . autnorlze -, . .~tm~relttor~~a~s cnrecUYiec1i'~ au~oo;,'Sf..r Wc~'\W.x?i" n~ to ~llr. We will """Iv the l~dS of anv rep~~ssion sale~) flrst~our fi yOU' d~~'a we ~~'ir_ want~oancel ~~fnaura""e ~gr!Y!.1l"anv !'enses Ind's ~'IJllnit a Illateral. lhen~ 2 to our co NOI'r Ino, r.)ullde or uneamed'lnsurance pramlums to ihe unpald blllanee "(lUe on re ....~ .n on, t e lller~al Ihon ~ hO our reascm e an l!OtUaJ thtS Gon act . . urt an a orn~sr fe to w we ve. u dBr the Y UWiIla.sl.tuslnhavl our a""",llV I erestooledon '1 C. 'flcae -telf'~ ~1";'8om( ,'an ~Io a,aChwdW," ancl'men ill he'l5.\lance fT~ to the ManUf " 0 Yo IW cau a sua Itm I e. ere IS s r $. e rap<? on saJ~ it Will g;, f~?lVl'red'to uMfim ~S1av~fr'om\'lte !er o"he~ata o?t~'Is~Wac~ ~ rellJn~OO ~o you. 'lI'~re s ellF-WaYance iJ/je US, you must pay ~to ua, or rl\: a'~'!he rulloale IS ISSUa . ,yOU U,'Vl> u. pettTllSSlOn ani:! .,,0010 OUR RIGHT TO ATTORNEYS' FEES. Under certatn drcumstences ~ ua vour an SWlUI omev- n-Iact t ,"on In our n me iliac:&' an mav (e ulie '10 pav our oJ coun a a .our re/lSQnaole' ~n stead a ertiflc OT or an ther 000 nt. If w a er nn r actOal 8 r e f8Ets. If we 9 n au a en 0 01 DefaUlt nd wn n 'I~ a'lor tre~sfer owners~~o'~e ~iP,.1eraF.,alr fo vou mJ'lIfg'o roure. vour i:!e~\ou ~:;19~ a~o oa.y~n Wlor~:BJi to re artect our secur~ntereJlt In, e lIater.::l~' yoU "" te~If,YQ~ oure vour iet. uft ~llh 1tte t <tv I: d'~OUCI> 0"11 e ze us t U( ex ~nse to 81 " and TIle w ou our natu e suc:tl nl 30 ell ntlll d Ires n vc5u B 0 C 1'1 ur de aIJ nanclo~ng ionel' nll~u~n ~tete 1S~aml,"arnen" anRu~le~~ Yut o~ r:tJ.ur ~I ~tg;<.PFe! f!!~YllC1!O~ a ~mwaYf:,.v regU~ er:s;....end 0 lor ocuments w C mav from uma 10 -I~!ft oar. rea""n ~aiidl or 'rney,a _ 8 n t morettuin U !!:'1,lI~ 10 pertee, preseMl, anO pro ect our aecurlW inte In t Q croll, rs, If we In r oae ees er ma tn'jrl'J [3 nouce no o . .._._ __ . _ _ I . e thl y notiCE erJoa ex res a. d . au h fa not If anv other documeJ1lS ~e necossarv to~rotect our Int.rest In ~he cu: e ,your ~liiuW. !> adleo~ ~cuon IS~m'lnAnoeW ,Y we ~y! an Cot_rll! vou acree lO:iJn t se~cumell's enever w. asl< Vou a so anorn\'Y to enfOrce or en OUr nohls un ;' 'ihiil ""ntraele we mav olv~permlS$lOn 10 n t lese ocuments ,,~ou. YOu ~iam us ull reaulle vou 10 pav our a aJ court C<lals an all 01 our reasonable .M l1IJt ~nd~werlo ~d p rm a~and 411 Othfc aclll necessary acDJw enorneYs"l<les. . a n I e the ex Q he ers rante to us as our . alliirni; ,o!'fa 1 as vau co ~ao I par.oIi.,v Ilrei.\nt. o~ ~SOM\...Y.! to CHANbe GES TO THIS CON1'HACT. ThIS Contract Is the~ tire aoreerTlllm a an Jlrn 0 recbrdl e n 1" IT U to at an ee I '7Oj lW us d -v u, - We: hi e no othsr 68 nts, r en or l)TaJ, With guY S "ID flrterest, an:TA\,y ~e~ aRer ,tiS 8cintra p' In rjif. ~u. ~,~ n.ffits JC'naer t~ls.fitrael er~~u'r.:'bVe.. e canl waiVe 0\ W. elav en'tOremQ a);OI oUi na under $ Jacl Wit out loa n~a"" 0 th e agree that vour permission fQralls to act as .our ettomev-In-Iact for t em. An~ aIVer us 0 oDr Ihls un r t $ o"tract/'s antore aOI.. Ov e u~s s de&crlbGct abOve in no us to 6Ct ur OIJ onl IT t e er Is n W I and s d s f more t an ori{) allOrRev-.!n-'octL!?1_9S .vPUt adent Tn cOllect10/i'i,7111e amounts r<l<l'51..,1'd'to B~u !If sYc 1~p'levegntract we ca~a1vl!. .w~la nYoicln\l",,~ ria aa to be paid ~y you UI~r m\S c.:omract or in repossessIon of the COIJaterar-" ...an $I ~f ~~~t wtl~t as to Ide otnf{ s. Our ealJ~ to" Ie our EVENTS OF DEFAULT. You will be. in ~.l'Iault ~~ar this Contr.ct il:(11 . 0 r. rhpe~t'."l'ro'l\&..d uoger'lli[: .cWr\\roc ~~'FeM:;, 0 gIT"":n a'Jf ~u ~ot r.a~n~:w:mnt o?:t!meuo~~(,lde,aK 'lID! of 'hiirrf.rom~w ffi811l1 ~<008nslona 01 ume OT paym.em anSlI nol affect vour obllano!, to fa~ieo?s gn s ,pt;li1it'lJ'(?ri ~ur a~1I ~ 16'1 the~,g[sit ~~':,d~.~ a~et. eaymema or Keeo anv o,!nert:;r<?r,niaa undar thlSejC6nil'acL We ov t Contr . \>I' HOU tall to k~ a anufaetured H'oma In.ooo 0 no va to give anvone hotiCl> 0 an Wwver, calay or r ease. COn Uon or raOair r If anv 0 tha la e~, la lOst or damaoe.d Wlthou Thla Contract cannot be changOO ora y. ~v 'fta,: ~suJ~8e OOY~<<~6n'1ra&l ?U 811 to ~nb' Mb~rWes ran Ie LAW THAT APPLIES TO IS CO RACT. This Co t all un~ll:egto=\llna~e l?Y.ur afflllrs' or !J' .v~ .~ or tra~~ eny ~I movharned~the apPllc.Jl1owslaW reoulatlona 01 the l%~ ~tes aU~ CP ate~ I ~f!ra'~ ~r-cielml\\il1Jl. 111 wnl~rca nrat: or YQU usa anv t t a co nW~"h orl"ennsvlv8'r\1a. 'The Manur1lcturea o~ soKl r I r se n fd"-ano er contra 'Or obli at urs' or ate 0 t 1S ntract is peroonaJ ro e nd s an ot med ~ eno~r "" . r p ." ien or Of er ellClJmgranpe a~a~or J,;'uses 10 &e a'illifure orl re~ ~ro~ertil ano jljt!'er I!,!.,'!\'d!l{e a"huracture ~oroeh'. Slli:e oW es a pllllm .on anW of the COllater8.\: or 1 OU. move llie ~rmanenllY ~ ace or attl~a, a c uTl'declde~ t at an~ co of t a anu eo r. me 1rom me a dr s,s scaclflOO Ih cation of the ntract la Ot.. v Id, Ihe res 0 tl\e n1ract as hWHl be bIn Ing nd anu s. r~ C seeti " 0 COntrac: ou atlm our & ec:t1ve. ~e nc.5 and notw t tanding n 0 er i!ie1on In . ~m'l;rat. or ~11)~ou17Jt.to pav w\'e~a an~ ren'fl~axea f.vl.Yoneds QA~la ~~act~c,:h~~e ~,"i~ C\;laroe ci;., ed Qo'lle\'.;.,Jl{ or ot er c~ ou owe In nnecnon W\{h vou~ ownamhle . . the ntract htlor on Is"~on act exceed the~al"mllln rate hecib~'laW. n\J I" or WIth he t or stte wh me a ufacturecl ome Ie . W en es I CO' tract a whicn se s: m mum eras ,a 'oc~= or 1~ VOM usa ,m: lXanul~ured~o]J1a or"IJuSln0 ~ vou a ~n~\'. Inta",~m so ~at {/J: l?Iirance ill orae or olller c r<tea.;:6\ ~a ~nt t Wit~ t aettl\\\l our perml.mon In wrlfina llrs!' or 13 1he W 10'b'n, COlle' In oon!ll'C\i~n w1ln t~YslcontracJ exc mlJ ermrrtea anu aetur HHo""'l nOd ",n\lar.ryeualr pnmlllV re1lrdence; or 1 the ~'r~a~~~ ~ 'g'.Y tti'~'1:hafo,\"ll,al'h: p".lrm~~iielrrih a~(2 . an~u~nt anu aclUre. ome a.Usa In any I "'9 manner. aJr"ad,V tol,e01e trom ~u -Wh~ch exc~ecte eon",. II \Viii Y~~.IGiTO NOTICEOF.Lt'~RIGHTTOCUREYOUR refunaed to you. We m .c~.. 10 m e ttal}etund. ~ re uc~n t a o LoT; RRIGHT TO DE P -INFULl It. \I u are I balane aU we un ee lS ntract 01' maloun a 11" ct a t to deaulQn jScootrael.(~ V~IsO ~a.ut"ru'onOltUil~on1TacWt vou. dl\~ re?undlre~uces!he alanee yo~ owe,~he re uhfo:l'w. be we Will DIve vou wrllIen Nd ce 0 fault '~UJred oy aw and tell you what treata aa a par11a prapayment. liOU IT1lmt dO to CUre your efau. owev 'll.'iOU a ancion the Home or .- -.- - - - .. -_.,- . -.. -- n olher extreme Plrcumstancea occur, or wltnln tile ptecl'di\nD one rear periOd ~ alrea"V. have ol'len VOU tnree 3) NoUces ot Defau t -we do not have to gIve you Notice err DefaUlt. _.. . . UCFI Form MHPA 11 (Pennsylvania-Dealer) Pege 4 otS DOS DRAFT 8 D1114197 Lo.n No. 153700003495 . NOTICE . ANY HOLDER Of. THIS CONSUMER C.REDIT CONmACT IS SUBJECT TO ALL C.LAIMS AND DEFENSES WHICH THE DEBTOR COUI..[) ASSERT AGAINST THE SELLER OF.GOO~lL'mffillCE;5> O~TAINED PURSUANT HERe:ro.-.. OR WITH THE PROCEEDS HEREOF. RECOVERY HERE;UNOER BY THE D~E1TOR S_AU. 1Il0I. EXCl;l:P MII.OVNTS . PAID BY THE DEBTOR HEREUNDER. SEl.LEFl'S ASSIGNMENT AND OBLIGATIONS ree~ of which is hereby acknowledged, SeIJer, named herein, hereby sells, assm. net. transfers and sets over unto er~n.4Uter :Assignee"}, its successors and a'SSions, the oregolOQ etai n a man n a Brama ar ssen ease an ac an B. ng S, I and interest in ana to the proP.ertv therein descti5ed and all monIes due and to become due and an rights and remedies undor the ntract with power in AssIgnee to assign eithei' in Assignee's own name or in the name 01 Seller, for Assignee's exclusive oenefit, and to take all such legal or other proceedings as Seller mighT have taken save for this assignment Acceptance of the Contract by Assfgnee shi!!II.Qccur.8t its desIgnated office when It Issues its c.heck: to the Seneres) as payment for the Contract A To Induce Assignee to purchase the Contra", Seller warr.nts th.t (1) to the best ot Seller's knoWled<le, Buyer(s)' cred~ st.tement supmitted harewith is tru. and correct unl... otherwise '1PO';ilied In writing; (2) Buy.r(s) wer. of legal .g. to contract and otherwise lOOally compal.nt to contract .t the time of the executfon of the Contract; (3) tlie Contract arose from the bona fide sale of the prop~ descrTbed in the Corilract; (4) an sfgnatures. 0", the Contract are genuine; (5) Seller has good 1me to the Contr.ct, free .nd cle.r of all lIen~. claims and encumbrollCl!",. .nd selier has fUil power .nd leg.1 authority ro assign the Contract; (6) tmmed~ately prior to the execution of the Contract ~Uer had good title to the Manufactured Home and any propei'1Y sold therewith under the Contract assJgned herein, free and clear of allllens, clalms and encumbrances; (7) any property receiVed by Seller In traae on this Contract Is free. from ~llenSl securtty interests, encumbrances or any other claims. and Buyer{s.)J at the time of execution of the Contract, were the legal owner(e) of such Rrop ; (8) he down p.ymlllnt was made by Buyer(s) in cash and not Its equivOlent unlass otherwtse speclfled, and no p.rt thareol was loaned direcny or indirec y bY Seller to Buyer(s); (S) the Buyer(sllia\le acce~d oe\ivery of and are the owners 01 the propel.1Y described In the contract; (10) Assignee is 8Cq\!irlng a purchase money security interesl In tl1e Manufactured KomeL!ree and clear of any 1!.B_'!t..claiml o! encumbrance; (11) A ManufactUred Home CertJlicate o1l1tJe shoWing a first priority lien or encambrance namfng tns Assll1nee as secureCl pW" ~y has oeen or win be @,pplied for promptly; where ~propriate a UCC-11inancing statement or UCC-1 fixture filing timely pertectlnQ anrstfrlority Den or .encumbrance In favor of AssIgnee has been or wm 00 filed; (12) there is now owing under the Contract the amount set forth as W'fotal 0 payments'll and Buyer(s) have and will h,ave no setoffs, counterclaims or defenses against amoun1s due or to becomrJ due under the Contract (13) the Contract and eacn~guarante:e submitted in connection therewit:h are in all respects genUinebunamended, and legally enforceable without defense or counterclaim against each purported signatQrY thereot; (14) Seller hISS complied with all apl;l'Jlca: Ie laws and regulations in the sale of the Manufactured Home; (15) the design and construction of the Manufactured Home Is in compliance with all applieable regulations of the Department of Housing and Urban Development {hereinafter known as "HUDj including, without IImltatlon, the speclflcatlons In effact as ortha date hereof prescribed in the Manllfactured Home Construction and Safety Standards Ac\ of 1974, as amended; and (18) Seller h.s complied in fuli with .11 provisions of.(.llhe Federal Consumer Cred~ Prot.cUon Act of 1968, as amended, and with all regulations Issued tllereunderJ {b) the Federal Trad.e CommIssIon 8ct ~l1cf.~rul~ and r~UlationS eron'UJla'te~ thereunderJ w}~prOVlsIons of section 5Cft{C) of PubDc Law 98-221 anathe regUlations of the Qffice o1Tnrlft SUpe Slo promu gal8d thereunder, eac as amended, (( ptovis1Ons of - . 24 C.F,fL Part 2.01 co.ncernlng Manufactured H"""ome location srandards, and (e) any oth~.r appllcaOle Federal, 51mB and local laws, regu alions, rules and orcf~.a~~e event arw of the warranties made 'r1y Seller In para.cit'ap'h J1. atx>v91& "determined by Assignee to. have been f81SS when made" whtither or not such false f6\=)resentatrons were knowing or intentional and whatner or not Assignee relied upon any such false representations, or In the evenl that any of the foregoJng warranties are breached In any other way, and whether or nof there Is a default In payment, Seller shall repurchase the Contract from Asslgnell upon demand, wJthout recourse, for an amount of cash E;tqUal to the balance clUe on the Contract computed as of the date 01 Seller's. purchase, with credtt for whatever rebates would be due to the Buyer(s) on the Contract jf the Buyer~sl' on the date 01 Seller's purchase, had prepaid the COntract in full, The repurchase prtoe also shall Include an addItional' sum equal to five Rercenr (5% of the balance due on the Contract, as and lor AssIgnee's liquidated damages for Assignee's profit lost on the COntract, whlcn amount seller and AsS gnee" hereby agree Is reasonable In light of the anticipated or actual harm caused Assignee by reason of Seller's act(s), the difficulty of proof of such loss, and the inconvenience or nonfeasiblllty Of. otherwise obtaining an adequate remedy. C. Sener further agra..: (1) th.t in the .v.nt that Buver(s) foil(s\ or refuse(s) to mal<e .ny p.yment due hereunder on the assertion, eith.r oral or written, that the Manufacturecf Aome ls defective, not as r'~resented to Buyer(s) by Seller, or that Seller has refused to honor any warranty or service agreement of Seller or manufacturer, upon being acMsed by Assignee of such claim of Buyer(s)', Seller wUl repurchase the Contract from ASsIgnee and pay Assignee ~or same Immediately in accordance with the: tetmS set forth in par~raph B aoove and seller further agrees, and without the ne.cesstty of a Judicial determinatlon, to IndemnifY and hold Assignee harmless from any otner (~J losses. sustaIned as a result ot any' claim or defense Buyer(s) maY.' have .g.inst Saller (P) clOJrns 01 Buyer(s). Including PUt notlim~ed to claims lor refund of payments made Py Bu~s), (0\ claims for Buyer(s)' anoro.yo' foes, Whether or not any litigation occurs, and (d) cJaims or expenses related to the assertion of Buyer(s)' claims, lricludfng but not limited to AsSIgnee's attorneys' fees, cos'tS and expenses incurred, whether or not any litigation occurs; (2) to saUl at the re~uest 01 Assignee, the Manufactured Home, logether with .ny olhar properly purchased under the Contr.ct, which haslleen reposseSsed by or for Assignee; 5ellerlurther agrees thai reposs...lon of th. property from the Buyer(sJ, for any cause, shall not release Seiter fromJhe obllgatlons 01 .this ~reement; (3) that Assianee is hereby authorized, but not obllQated, to correct any and all errors in the Contract; (4) that the failure to tue or record this Instrument or any related instrument when reqUired by law sh.1I not rele... S.lIer lrom Seller's obliga1ions h.reund..r; (5) not to inake any seltleiiiGntWilh .ny Buyer(s) on the Contract assigned hereby Wl1hout Assignee's prior written consent; (6) that As.slgnee does nqt ilSSUme_any otJligatlon or 1iabll~ ot _Seller with respect to the Contract or otherwise and 5el.ler. withOut the necessity 01 a judicial aetefminatlOn of such /lability. will hold ASSIgnee harmless from and against any expense or rlabllity incurred by Assignee as the result of any obligation. liability or actIon of Seller InclUding, without lirftJl:a~on, Assignee's attom~' fees, costS and expenses incurred 10 defenaing any such claim whether or not any' litigation occurs; (7) tha.t A~nee s.han have the sole right to make collectlons on the Contract and to notify ea.c.h Buyer of the assIgnment, (8) not to solicit or make any collections With respect to the Contract after It Is sold to Assignee, and that all such collections and orher proceeds fi'om such Contract whk:h may be receIVed by Seller shall be held by it in trusr for the Assignee !l"d promptly transmltt.ed 10 Asslgnee, and to forward to Assignee promptly all comrnunicatJons and inquiries which Seller may receive With reference-to the Contract; (g) that Assignee m~ audit Seller's books and recor.dS relating to th. Contr.ct; (10) th.t tho w.iv.r of .nv d.fault hereunder Sh. .11 not <?PBf.te.s. w.iver ofsubsequenl d.fauns, but all rtghts hereunder Shall continue notwithstanding one or more waivers and that the wajver or ohange of any provIsion herein shall not be binding on Assignee unless mad. In . writing signed by It; (11) th.t this .Q.reem.nt shall inur. to .nd blnc! Se[ar's and Asl!ignee's respective leg.1 represent.tives, nelrs, succesaors and assigns, and anY company affiliated with either Seifer or Assignee which may transact buslness pursuant hereto; (12) that all obligors hereon severally waive demand and presentment for payment, notice of nonpaymef"lt, notice at protest of this InsU'ument and ~ree that their Iiaoility hereunder shalr not be affected by any O)(tenslons of the time of payment of an or any part of the amount owing hereon at any time ar.Umes; all parties hereto also consent to any renewals, release 01 co-makers, any subStitutJons or additions 01 new Buyerfs) for anyone or more of the Buver(s) Originally l!igning the Contr.ct, subs~lUUons of COII.teral)rele.... of collateral, and .ny and all waivers or other modiflc.~ons th.t may be granted. or cons.nteoto by ASsIgne. .rid hereby waive notice thereof; (13 that AssIgnee's rlghls .nd remedies hereunder sh.1I be cumui.tive .nd ~n~ may .exercJs.~ 8)'l\' rights or remedIes, whether agalnst Buyer(s) under the Contract, against the security therefor, e,gaJnst Seller, against security of SerT@r or against al}Y comoimition of the fOI1 olng, In sucn order as ASSignee sees fit without thereby releasing any other right it may have:. {14} that in the eVent of defau~ Uie Assignee may procee agamst any or all 01 the pames hereon and shall net be required to first resort to any security ..9lven by any or an of the parties' 15) \ha.t tfie filing 01 a petIt! under the United States Bankruptcy Code by or against any one or more of the auyer(9) shall not release Seller from lei's obligations or Iiabilitf reunder; (16) that if this a~eement is referred to an attorney for enforcement or colleCtion, seller shall pay Assignee's reasonable attorneys' fees, men, costs and 0 er related expenses. D. I . . Ereeme1l1IS ~ul~iectlo the provisions set forth below in the p.raqraph Initi.led by Seller. A WITROVT RECOURSE. The ass~nrnent of the Contract Is and stlaJl .be without recourse egainst ~exceDt as set forth above. I P P F!JLl8~GOURS~ Seller uncondItionally and absolutely guarantees payment of the full amount remalnklg._uf\pald _u_~~ the Contract R and agrees to repurchase the Contract 1rcim Assignee. upon demand, whether the Contract shall thense, or not be In aefault, for the N P 0 full amount then unp.:aid, with credit tor whate....er rebales WOUld be due Buyer(s) on the Contract if Buyer(s), as of the date of Seller's I L payment, had prepaid the Contract in full. Tv FULL REPURCHASE. If the Manufactured Home wbich sacur~s the ~lrac\ i~ repossessed. by or on behalf of Assignee, seller I I ~raes to repurchase the Contract from Assignee, upon deman ,ragar ss 0 t e condition or location of the Manu1acfured Home I C as is, where Is"). The repurchase price shalf be the balance due on the Contract, computed as of the date of r~urchase, with credit A A S or whatever rebates wourd be due to SUver(s) on the Contractl as if BUYf!lr{s), as of the date of repurchase, had prepaid the COntract L B I in lull, to.9ether with Assignee's repossessfon ex~nses, including, but not I!ffilted to, any court costs and attorneys: fees, storage, repatr o and towing expenses. lJpon payment Assignee shall reassIgn .the Contract to Selter. L N UMITED REPURCHASE. . sener Ollrees to complY with Ihe terms .nd conditions of the foragolng Full Repurcheso Agreement (which E are Incolp9rated herein by reference) provIded, f1owevet", tl19.t such obllaatl-ons of SeUer shall terminatellereunder upon payment by Buyer(s) ot each of the first monthly Inst.l1mem., each witffin flft.en ~~ d.ys of Its respective due d.te. UCFI Form MHPAll (Pennsvlvanla-Ilealer) P.ge S.ots -.-.. ..- -.. IlO1fl:lRAFT 8 01114/97 FOR VAL ..JUI",UO-~lQ::> 1:::1'(':43 EMC MORTGAGE t-' .l6d P 5990504 No. 21:.... \l\. ~ Date 8.""'DY_ TbiI.. lD ctrtIfy !bar 1be bUormatloa h~ gill:1ll.t CXllUCtIy copied from m origipal a:rtillcue of deedt cIuIy /lIed · Local R.gistar, The origiDal c:erdllcaa: will be forwuded to me Sl'JIte Vital Recolda o$c:e lOr pclllWlellt tlliag. WAflNl~llt Ie Illegal to dullUGlIto thle oopy by photollfaf or llbotoglllllh. ,. Peo lOr dUo c:ertiBaeo. $2.00 ....... '. .----..,...........- .... ...... '-" '.-- .................. . -'. ~ '" -~-- ... - - ___WlAlTlt GF.......,d\fGA. DIM"'lIiIttotltiAl:tM.. "IfALAtCO- OERTll'lCATE 01' 1I1iAT" , :w 'Or"_6302 ...- fit,- .. ............. ~ :;::'~1... .. , , ,.r~ ~ .c ...a OrlV. .~:~""'~~.::.........:~~:~.!.................._. 0 ,. . llq ..,- -~ ..1 :i'l.q It \... 01 ... H'LO~ "nJ~\I1 C lit S,IIoIII101 Ma_ COnoor H", I pA ~ ~. 1211 li&.l ,,01 TOTRL P.02 VERIFICATION Mark J. Udren, Esquire, hereby states that he is the attorney for the Plaintiff in this action, that he is authorized to take this Verification, and that the statements made in the foregoing Complaint are true and correct to the best of his knowledge information and belief. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authoritie ~- p -{Q ~ p \ U'1. ,...., ~ ~ V\ n (~ <,';-',~, Ce; <:.y\ -1 U1. .0. L.- "J_"'1\ C'-:: \ne W ~ 1-'-- :.": ..,,~. \.;'.' -t,() ~ ~ - Z~~\ ~~) \""' ,i' 0' V't VI. -(-:\~ r - (.,~) W ~ -. <',. ,'(\ -"~ ';::, ~ oJ 12- Pi r;? -"0 :.( 01 ;.,.::. ..p r - ~ - UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTORNEY I.D. NO. 04302 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003 856-669-5400 pleadings@udren.com Bankers Trust Company of California, NA, as Trustee, pursuant to the applicable pooling and servicing agreement and assignment of all servicing rights from UCFC FUNDING CORPORATION, by EMC MORTGAGE CORPORATION, as Attorney in Fact 909 Hidden Ridge Drive Irving, TX 75038 Plaint if f ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland COUNTY NO. 05-3124 v. Tracy L. Newcomer Tenant/Occupant 46 Country View Estates Newville, PA 17241 (Premises) Defendant PRAECIPE FOR JUDGMENT IN REPLEVIN FOR FAILURE TO ANSWER TO THE PROTHONOTARY: Kindly enter Judgment in Replevin in favor of the Plaintiff and against the Defendant (s) for possession of the following property: 1999 Redman Shadow Ridge 5078 Mobile Home/Manufactured Home 44' x 28' Vehicle Identification Number: 12233634 located at 46 Country View Estates, Newville, PA 17241, for failure to file an Answer to Plaintiff's Complaint within 20 days from service thereof. I hereby certify that notice has been given in accordance with Pa.R.C.P. Rule 237.1, a copy of which is By: DEFAULT JUDGMENT ENTERED AS DATE: ell Joe) 'I,;) ()t>S INDICATED ABOVCL.. ~ ( ~ OTHY . . UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 III WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003 856-669-5400 pleadings@udren.com Bankers Trust Company of California, NA, as Trustee, pursuant to the applicable pooling and servicing agreement and assignment of all servicing rights from UCFC FUNDING CORPORATION, by EMC MORTGAGE CORPORATION, as Attorney in Fact 909 Hidden Ridge Drive Irving, TX 75038 Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 05-3124 v. Tracy L. Newcomer Tenant/Occupant 46 Country View Estates Newville, PA 17241 (Premises) Defendant(s) TO: Tracy L. Newcomer 46 Country View Estates Newville, PA 17241 DATE of Notice: July (3 , 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 DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS.YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 NOTIFICACION IMPORTANTE USTED SE ENCUENTRA EN ESTADO DE REBELDIA POR NO HABER TOMADO LA ACCION REQUIRIDA DE SU PARTE EN ESTE CASO. AL NO TOMAR LA ACCION DEBIDA DENTRO DE UN TERMINO DE DIEZ (10) DIAS DE ESTA NOTIFICACION, EL TRIBUNAL PODRA, SIN NECESIDAD DE COMPARARECER US TED EN CORTE 0 ESCUCHAR PREUBA ALGUNA, DICTAR SENTENCIA EN SU CONTRA, USTED PUEDE PERDER BIENES Y OTROS DERECHOS, IMPORTANTES. DE BE LLEVAR ESTA NOTIFICACION A UN ABOGADO IMMEDIATAMENTE 81 USTED NO TIENE ABOGADO, 0 SI NO TIENE DINERO SUFICIENTE PARA TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA, CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASSISTENCIA LEGAL. SERVICIO DE REFERENCIA LEGAL LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 NOTICE: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR AND THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ~--------- Mark J. Udren, Esquire WOOD CREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NEW JERSEY 08003-3620 ... ... UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 III WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003 856-669-5400 pleadings@udren.com Bankers Trust Company of California, NA, as Trustee, pursuant to the applicable pooling and servicing agreement and assignment of all servicing rights from UCFC FUNDING CORPORATION, by EMC MORTGAGE CORPORATION, as Attorney in Fact 909 Hidden Ridge Drive Irving, TX 75038 Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 05 -3124 v. Tracy L. Newcomer Tenant/Occupant 46 Country View Estates Newville, PA 17241 Defendant(s) TO: Tenant/Occupant 46 Country View Estates Newville, PA 17241 DATE of Notice: July 1.3 , 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 DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. . ~ LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 NOTIFICACION IMPORTANTE USTED SE ENCUENTRA EN ESTADO DE REBELDIA POR NO HABER TOMADO LA ACCION REQUIRIDA DE SU PARTE EN ESTE CASO. AL NO TOMAR LA ACCION DEB IDA DENTRO DE UN TERMINO DE DIEZ (10) DIAS DE ESTA NOTIFICACION, EL TRIBUNAL PODRA, SIN NECESIDAD DE COMPARARECER USTED EN CORTE 0 ESCUCHAR PREUBA ALGUNA, DICTAR SENTENCIA EN SU CONTRA, USTED PUEDE PERDER BIENES Y OTROS DERECHOS, IMPORTANTES. DEBE LLEVAR ESTA NOTIFICACION A UN ABOGADO IMMEDIATAMENTE SI USTED NO TIENE ABOGADO, o SI NO TIENE DINERO SUFICIENTE PARA TAL SERVICIO, VAYA EN PERSONA o LLAME POR TELEFONO A LA OFICINA, CUYA DIRECCION SE ENCUENTRJI" ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASSISTENCIA LEGAL. SERVICIO DE REFERENCIA LEGAL LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 NOTICE: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR AND THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ~ Mad J. U ren, E~quire WOOD CREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL NEW JERSEY 08003-3620 -;cJ ~ -/.0.. G ....() 1- \t- \l C> r-' (') C> (":1 C::') ~-O ~'~_l -;-'t c:.f' 1::. -J - -' r - ,- :1':-'-' ..J. C.} pl.1"-:- ~ ~ ,.,'-'- (r"", \) \ C; -t:. _J ~ .- ~ V( E "'f, ,.,. f)' ::1-;;' ~ lr '. - 1::__. -- .. ~ ~ ":~A ,,) .-", <..f\ r UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003 856-669-5400 pleadings@udren.com Bankers Trust Company of California, NA, as Trustee, pursuant to the applicable pooling and servicing agreement and assignment of all servicing rights from UCFC FUNDING CORPORATION, by EMC MORTGAGE CORPORATION, as Attorney in Fact 909 Hidden Ridge Drive Irving, TX 75038 Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland COUNTY NO. 05-3124 v. Tracy L. Newcomer Tenant/Occupant 46 Country View Estates Newville, PA 17241 (Premises) Defendant AFFIDAVIT OF NON MILITARY SERVICE STATE OF New Jersey COUNTY OF Camden SS THE UNDERSIGNED being duly sworn, deposes and says that the averments herein are based upon investigations made and records maintained by us either as Plaintiff or as servicing agent of the plaintiff herein and that the above Defendant(s) are not in the Military or Naval Service of the United States of America or its Allies as defined in the Servicemembers civil Relief Act of 1940, as amended, and that the age and last known residence and employment of each Defendant are as follows: Defendant: Age: Residence: Employment: Tracy L. Newcomer Over 18 As captioned above Unknown Sworn to and subscribed before me this day of , 20 en, Esquire Title: ey for plaintiff Company: Udren Law Offices, P.C. Notary Public C) ....., c) = C:. c:;:. -n c, 0 -:' ~ I _oJ :~"~. --,.~ :::'-:1 l'-' .....-:::: u\ UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, STE 200 CHERRY HILL, NJ 08003 856-669-5400 p1eadings@udren.com Bankers Trust Company of California, NA, as Trustee, pursuant to the applicable pooling and servicing agreement and assignment of all servicing rights from UCFC FUNDING CORPORATION, by EMC MORTGAGE CORPORATION, as Attorney in Fact Plaintiff v. Tracy L. Newcomer Tenant/Occupant Defendant(s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 05-3124 PRAECIPE TO SUBSTITUTE VERIFICATION TO THE PROTHONOTARY: Kindly substitute the attached Verification for the Verification attached to the Complaint in Ejectment with regard to the captioned matter. DATED: Novembe~ ' 2005 UDREN LAW OFFICES, P.C. BY' . Udren, Esquire rney for Plaintiff , . V E R I F I CAT ION The undersigned, an officer of the Corporation which is the Plaintiff in the foregoing Complaint or an officer of the Corporation which is the servicing agent of Plaintiff, and being authorized to make this verification on behalf of the Plaintiff, hereby verifies that the facts set forth in the foregoing Complaint are taken from records maintained by persons supervised by the undersigned who maintain the business records of the mortgage held by Plaintiff in the ordinary course of business and that those facts are true and correct to the best of the knowledge, information and belief of the undersigned. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Date: 1-1-{)0 Na e: Title: Company: Chris M. A1cedo Vice President Tracy L. Newcomer Loan #5854872 MJU n c '~\;.\ ,/- :~2 r-' C,'::t f}.. - ,A"- C? ,",',- ~ \ -' ;i~ -- ,,> (,.n ( UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTORNEY I.D. NO. 04302 III WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003 856-669-5400 pleadings@udren.com Bankers Trust Company of California, NA, as Trustee, pursuant to the applicable pooling and servicing agreement and assignment of all servicing rights from UCFC FUNDING CORPORATION, by EMC MORTGAGE CORPORATION, as Attorney in Fact 909 Hidden Ridge Drive Irving, TX 75038 plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland COUNTY NO. 05-3124 v. Tracy L. Newcomer Tenant/Occupant 46 Country View Estates Newville, PA 17241 (Premises) Defendant PRAECIPE FOR WRIT OF POSSESSION TO THE PROTHONOTARY: Issue Writ of Possession in the above matter, for possession of the Mobile Home/Manufactured Home property located at 46 Country View Estates, Newville, PA 17241, a description of which is attached hereto via the Certificate Of Title For A Vehicle: 1999 Redman Shadow Ridge 5078 Mobile Home/Manufactured Home 44' x 28' Vehicle Identification Number: 12233634 ~/'~ .--- By: / M J. ren, EsqUJ.re . Attorney for Plaintiff - l'.l:/~\" ,~, DEPARTMENT OF TRANSPORTATION ..CERTIFICA'rE OFTITI.:'EFOR A VEHIcLE l~ IOOOQ$_t(C(~ - '.' . . if""" -"-.._....._,~,-- .,82~500hhOOpqh.,-OO~ t7 ,......-~;-.,... .,. ..,.""'....1 ..' ... . . __~:::H.~ ., . .. S2.!L<t3lf.J.uafi:LNE- -----~ VEHlClE'JUENTIElCATlONMJMaER ,_ ~\lEI:lJCLE __~__ - '__ TIn._EUai8;~__~ . ~+P~~;iPE - --~~t~~~~p-~.l.:.~.:~:~~:J;:~+~~~~~]m;;;;~-E ~r~~~~l~~.}~~~ [__::~~~TVS_=~ ~,- F _'JIM7"'t?i~ :1 '- C _ p.t,lf..pF!SOW: . ___ LWLAPEN W,eu:.tlJ .. :~.&u<tl! OA,!,~_PA IlTLtc L__a~ ' r.. ".n.-d.-= _ _.m-~J~"~:~~':~'~. . "'. _.- ., .. ,~, .... EXEMPT BY FEDERAL LAW ".":..~---;:;::::;"":'-:=lf=~:"'"' -.,-.- -. __ :::::-- - .1'--- .;-._~_ -~~Ji:~N( 0_ IICTU~LMILE.I\GE 1 ~ IoIILEAGEEXCEEOSTHEMECHANlCAl ~-- "2;",Cr'tHEAcl'UAl'itlE"GE ,..r:i:~..N:lTlllEA.CT'JAL~E-~TF.A T..uM>eRII<<3VERIFIEO. .~ E)(EMPTFFIOUOOOMEl'VlOlSCl..O$U~E -A--= I OD~EtER-DIS(';-tOsnRE REQ1SrifdbWNEA~ THO~AS W& TRACEY L NEWtOI1ER . .- 1ft. fOUNTRY, VI..!;W EST''' NEWYILLE PA 172lf\ ! FIRST.u~A'lQ!t.OF'; _.. n. UN~~ED_COMPAN!ES FUII!PING INC "R""fRaEAS"-_~ l~_ .! .:..... .AU..:.~_~~~ENT...nvE IMIUNGADOAESS j """ " ~',,~'rpJ~~Dt,,;... C .CLA3$lC>JEHlCtE D ~ COLJ.eCT1I1l..EVEI-fIClE F "Ci.lTCFCCUNTJlV ..~ _~.ri~~~6;:-> Fo.:~ s H ~ Ml."IClA.TU'IAlVEHlCU: """,,!--.~--_:::--=.:'" ",,?:,.-=, ~:~=:O~~VE~" . M_~ _ ___~ ... R..RECONSTFUCTED~' ~,~;:.-:-;~~~~:::?-',-f"' -::.:\~;:~ :::? - -'~~=~~~~-~~N =-----~_:: ~.:~:~"-!~,-~;;-;:(~:\~~~!:~~~~! "~--: _ ~_";""'.' ,_: ~1:""~dif~"'=:';7 ..1 "E;.;'''"'':::.. :_::~'-,~~' :L_:~~. . ,:'~:-::-~i""-":1';.'':.\~:~~~:'''''' ~~~'-'''_'.- _-~:;;:.':';';',L- -, -.: .......,' ~i...... . rr ..~MCOiid.tm:ir&r-Jr.~ up~ NGsfactiOrt offill ~"ll$ln:" ri<iC:., .. .''- " .....-.....-,reMOJdir m~ilIi$11fle; to.fIe BurIlIlU of Moler V&hIdu 'Mlh Iblii :-:.:.,,' .approprtal.rnrmandleo, r'" ---'- -~.,::,,,,,,,,,'7:i"' """ ! .'r, t--:: .;.... ", ',: ~j: - -;.--- 5<=__ "" AUfHOfllZED REPRESENTATIVE. , UNITED COMPANIES FUNDING INC 2051 KILLEBREW DR STE 210 MINNEAPOLIS MN 5S~25 ~ .-, I C9llify I!I at Jbfl.J:Wa~ TisUI, !fie" orna..- rec:ads ot !he I!8ti1ISylwria-Oipa~t QlT~Q\Je/hlCl.\hfI;)h.,pe~,) or~namedllilreli1li-\lillJ",vlWQ\'lIIiBi ot\h_saldvenJckt__ "...- '-::8RAOLO L' MAUbRY - 1 - . (:) -r1-~ b 1:.. -J \:> ~ IJ\ I)" G \J t (Q .,..... $ C) !t: l.rt r ~ !. '- ~ ~ - V)~ \,.J- <....I -f' l))'" l)) lI( 0- C' Vl 0 :.:c\) -D C' C' C;, ?\) C' \ \ Iw:0 - -::. " :.0 ~ ~ 1- - -:. - - - - v::J !2 r- LJ -?-- r ~.) 0 '2;;l> ~n rp .-t ~ 5.-n Sl rne -,~'.-:---\ \ ,.'\'.., -1 ^~)~ <~), ~. ,-- ::: \~l}-A - :::;. :~.~~ f".,) .-<'_ (.JI , . 10r2 WRIT OF POSSESSION (Ejectment Proceedings PRCP3160-3165 etc.) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA BANKERS TRUST COMPANY OF CALIFORNIA. NA. AS TRUSTEE. PURSUANT TO THE APPLICABLE POOLING AND SERVICING AGREEMENT AND ASSIGNMENT OF ALL SERVICING RIGHTS FROM UCFC FUNDING CORPORATION, BY EMC MORTGAGE CORPORAITON. AS ATTORNEY IN FACT VS. No. 05-3124 Civil Term_ TRACY L. NEWCOMER TENANT/OCCUPANT 46 COUNTRY VIEW ESTATES NEWVILLE. P A 17241 Costs Attorney's Plaintiff's Prothonotary $ 130.90 $ $ 1.00 COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND: To the Sheriff of Cumberland County, Pennsylvania (1) To satisfY the judgment for possession in the above matter you are directed to deliver possession of the following described property to: (Plaintiff (s)) BANKERS TRUST COMPANY OF CALIFORNIA. NA. AS TRUSTEE. PURSUANT TO THE APPLICABLE POOLING AND SERVICING AGREEMENT AND ASSIGNMENT OF ALL SERVICING RIGHTS FROM UCFC FUNDING CORPORATION. BY EMC MORTGAGE CORPORATION. AS ATTORNEY IN FACT being: (Premises as follows): 46 COUNTRY VIEW ESTATES, NEWVILLE, PA 17241 1999 REDMAN SHADOW RIDGE 5078 MOBILE HOME/MANUFACUTRED HOME 44' X 28' (2) To satisfY the costs against the defendant (s) you are directed to levy upon any property of the defendant (s) and sell his/her (or their) inter t ther~in. / NOVEMBER 7, 2005 .' 20f2 No 05-3124 Civil Term IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA BANKERS TRUST COMPANY OF CALIFORNIE, NA, AS TRUSTEE, PURSUANT TO THE APPLICABLE POOLING AND SERVICING AGREEMENT AND ASSIGNMENT OF ALL SERVICING RIGHTS FROM UCFC FUNDING CORPORATION BY EMC MORTGAGE CORPORATION, AS ATTORNEY IN FACT VS. TRACY L. NEWCOMER TENANT/OCCUPANT WRIT OF POSSESSION P.R.c.P. 3160-3165 ETC. Costs Att'y Plff (s} Prothy Sheriff $ 130.90 $ $ 1.00 $ Plaintiff (s) attorney name and address: Attorney for Plaintiff (s) Where papers may be served By virtue of this writ, on the __ day of , . I caused the within named l to have possession of the premises described with the appurtenances, and So Answers, Sworn and subscribed to before me this Day of Sheriff By Deputy Prothonotary " ,(jr" 1t!'h'.lhlJI'I~'~ .JllIU:I'I::I~:h~h1"""""."'lih'll!l . ~. - , r .. . .. [lEPA~TMENT OF TRANS!"C2RTAT!ON.. .____ _____ ..CERTIFICATE OF TITLE FOR A VEHICLE 1.33 IOOOQ0.tfCL~ "l8211S00hhOOjJlJh'l-OO!l. ~..."" )(pij~_d-'_"_-- ;:!".,,~q~31'I. ~"ll REDMAN . JS2:!1~31Jl!P~1:..NEc M1::C:- 'EH~"';~,C;~"I";;:"~I~c~~:_~~r~~u ~";=j~~ ~i;x;~jI~:~'''~-=':~~ .'. E10OY'tVP'E J-_~~-_ooP'.. -. _ .aEA1'1?Af': _ P~JO.iUm.i::sT"J.e-=L .QQPM...F'.BC.-q)-'oCA~"'J_~~.,MLl-ES. - co_.-=gQ,Clli\)i;r~~~~,.. .. ~{.a~~'~' F __'-l!M7"~~:] ,. _ . __I : ., .. --.-Ju,-.-:--",',,'-- ..-.-.. .' C1A!~_~A'JJT~O _C. _.o.....tlLOFrs:~....__ , _._I.Wv.D~N',~iil,GW',. ....,__a~,. ~ ....._.~_.~~=--_ _._-...,:2-'IJ.,E_~~~. . . '~"""".""-., . . ~. . I . OOO~.E'rER -'0 ISCLi)stfRE REGISTirO'WNEFl~-'~ -. - THOf1AS W 't; TRACEY L NEW~O"'ER 4bfOUNTRY, Vl..l;W Esr-- NEWYIlU PA 172141 . ! F . ~'.- , "'. --. ,j .. .~. - -- EXEMPT BY FEDERAL lAW "' '.~" :..:....~_ --=-=--=~ .7'"" .,-.- . --c.-'cJ- . @_~~IiJt~':i~C 0_ I\cru"LMILEAGE: 1~ MlLEAGEEJ(CeEO!l~EI.IECHAIIlCAL ~"r'. '2;'-rcffHEJic'nJR."iIlEAQE ,.L;: 3_NOT"THEACTUAl.~E.ooO"'ETFJ'l T"AWPERING YE~F1eo.. . ~ EX!iW'l' FflOM OOOMETDI OISCLOSUR!i .., '_ Tm.EBfV.,/IID!l. .... A.....fCr\OUEVEHI~';... C_CLA$!ICVEI-IIClE ";;;.:",,'~ ~ :~~6L~~~IClE G ooOI'IIQINAU.'I'loll'GO FOI'lIllON-US ..._OIS7J'IlIlUTlOM ..._: !-f. M>IIICULTURALVElilCUi:. 5C'='..--'. ".._--,~~-::-==:'" --=-'""'... ~:~~~C~VE>-Ul-tE' .... . .M.. _ ..~--...::.... R.RECONSfRJCTED:- ~"'_:,~.;::7~~~....:..:t.+ -~;'.:;-~ ::=. - ,~:$~~~~~N ~~-'_:.=,=-~'~~~fJ~:;~~~:~~~~::~~!'J:-~: ,_ . ~ _:t .' _..~. ..-.....~.; .__ ...- ....... .'---:-:-~~"'!JI;"!;!:-:,~:~ .,.... . _L___,,!,,:',_~ - """"-. .-...., . rr A.~.~.It'I1ll-;ea l.lpcirl- ilitlrfactli:lII 01 tha ~rst 119n: ~ ~ '_''-- ... .........."mti:llcWm~ris'ifl1t'1'1l1fto:l!'Ie9utmwlljMlllOrV&hldUWilh~ .<_~.:". JlPllrapnalerotm&ndl... .'" .......--- ! .. .t-.-:~~_._ :::.=.>-- ~ '.',:::w::.- FlAS1".u~A'lQRO(; ._.___. ...... UN~E{J__COHPANiES FUf'iPING INC R""'ED "^'" AlJTHORlZEDI'lI:f'Kt;:;ENTA11\'E .......- ----- AllfHORIZEDRCPRt:SENT<\TIVE. , UNITED COMPANIES FUNDING INC 2051 KILLEBREW DR srE 210 MINNEAPOLIS MN SSQ25 ~ ~, ........ -- I Cll1ti~ 11;. oIll1e.dala.ol iis'~a, lI'\a- omara records ot lha p",;;..,Sylvani."'OipalTnWf,!' Q(Tr~IOn.en-.et~:~po!Irwnl.)or~T'I3I'l'ladhiireli'l.llillJ..wlwo.....n8i oIlhaaa!.dvllhlckl__ i.:l!:' ~"::~BRAOL~ . ..,- ,~---'-.- ...- '-"~"--'.-',~_."" -- . 20f2 No 05-3124 Civil Term IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA BANKERS TRUST COMPANY OF CALIFORNIE, NA, AS TRUSTEE, PURSUANT TO THE APPLICABLE POOLING AND SERVlCll'jG AGREEMENT AND ASSIGNMENT OF ALL SERVICING RIGHTS FROM UCFC FUNDING CORPORATION BY EMC MORTGAGE CORPORATION, AS ATTORNEY IN FACT VS. TRACY L. NEWCOMER TENA)"T/OCCUPANT WRIT OF POSSESSION P.RC.P. 3160-3165 ETe. Costs Att'y Plff (s} Pro thy Sheriff $ 130.90 $- $ 1.00 $ o V". v- " -"- Plaintiff (s) attorney name and address: Attorney for Plaintiff(s) Where papers may be served By virtue of this writ, on the -9.th- day of hm""ry , 2006 . I caused the within named RHnkpr" Trll"t Co ' to have possession ofthe premises describe~~XX ~ 1,6 Country Viel! Est3tes, Nel.'Ville, P.^. 172/,1 Sheriff'8 Return subscribed to before me this I 8 .c:- J<l"DG ;:~i~~ I Shenff W By . - <1- D'1J1Hy- Pro thy Sherif f ' s Docketing Surcharge Poundage Possession Milage 1. 0 Return: 18.00 20.00 1.58 30.00 9.68 80.26 Advance Costs: 150.00 Sheriff's Costs: 80.26 69.74 Refunded to Atty on 1/10/06 $ . 00 \. 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