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Home My WebLink About05-5505 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Green Tree Consumer Discount Company, Plaintiff, CIVIL DIVISION No. OS - 5~'::{O~ C"(J~L~<ULhl v. TYPE OF PLEADING: Complaint in Replevin Troy A. Eckenrode, Defendant. FILED ON BEHALF OF PLAINTIFF: Green Tree Consumer Discount Company COUNSEL OF RECORD: Edward F. Voelker, Jr. PA I.D. #55414 Chad R. Callahan P A I.D. #82058 Gregory W. Bevington PA I.D. #92143 Voelker & Associates, P.c. Firm #332 Suite 1410, Allegheny Building 429 Forbes Avenue Pittsburgh, P A 15219-1604 (412) 765-0543 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Green Tree Consumer Discount Company, CIVIL DIVISION Plaintiff, No. v. Troy A. Eckenrode, Defendant. NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LA WYERAT ONCE. [FYOU 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. Cumberland County Bar Association 2 Liberty Avenue Carlisle, P A 17013 717-249-3166 800-990-9108 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Green Tree Consumer Discount Company, Plaintiff, CIVIL DIVISION No. OS - 55"05 Cu;L '-rER..~ v. Troy A. Eckenrode, Defendant. COMPLAINT IN REPLEVIN AND NOW, comes Green Tree Consumer Discount Company, by and through its attorneys, Edward F. Voelker, Jr., Esq., Chad R. Callahan, Gregory W. Bevington, and Voelker & Associates, P.c., and avers the following in support of its Complaint in Replevin: 1. Troy A. Eckenrode, hereinafter referred to as "Defendant," is an individual whose last known address is 313 Walnut Dale Road, Shippensburg, PAl 7257. 2. Green Tree Consumer Discount Company hereinafter referred to as "Plaintiff," is duly authorized to conduct business in the Commonwealth of Pennsylvania. 3. On or about November 14, 1997, Defendant entered into a "Manufactured Home Retail Installment Contract and Security Agreement ," hereinafter referred to as the "Security Agreement," whereby Defendant purchased and financed from Schaffs Home Center, Inc., a 1998 Fleetwood Heritage Pointe manufactured home (serial no. V AFLV19AB00880HP13) with certain furnishings, equipment, appliances, and accessories included at the time of purchase, hereinafter -1- collectively referred to as the "Manufactured Home." A true and correct copy of the Security Agreement is marked as Exhibit "A" and is attached hereto and made a part hereof. 4. It is believed and therefore averred that the Manufactured Home is located at the residence of Defendant. 5. The Security Agreement was assigned for value to Plaintiffs predecessor-in-interest, Greenpoint Credit Corp., on or about November 14, 1997, as permitted by the Security Agreement. 6. The Security Agreement was subsequently assigned for value to Plaintiff as permitted by the Security Agreement. 7. Pursuant to the Security Agreement, Defendant promised to pay the financed amount of $29,000.00. 8. As security for the loan, Defendant, by the Security Agreement, granted Plaintiffs predecessor-in-interest a security interest in the Manufactured Home. 9. Plaintiffs predecessor-in-interest perfected its security interest in the Manufactured Home by having an encumbrance placed on the title thereto. A true and correct copy of the Certificate of Title for a Vehicle is marked as Exhibit "B" and is attached hereto and made a part hereof. 10. Plaintiff avers that the approximate retail value of the Manufactured Home is $19,900.00. 11. Defendant has defaulted under the Security Agreement by failing to make payments -2- when due. As of October 10,2005, the delinquent payment amount due and owing from Defendant to Plaintiff is $580.10. 12. As of October 10, 2005, the amount owed by Defendant to Plaintiff, not including costs, attorneys' fees and damages for the unjust retention ofthe Manufactured Home, is $19,995.42. The interest on said amount is accruing at the daily rate of$3.89. 13. Defendant has failed to surrender the Manufactured Home upon Plaintiffs demand. 14. On June 28, 2005, Plaintiff provided Defendant with a Notice of Default, a true and correct copy of the same is marked as Exhibit "C" and is attached hereto and made a part hereof. 15. Plaintiff is now entitled to immediate possession of the Manufactured Home. 16. Plaintiffis entitled to attorneys fees under the terms of the Security Agreement. WHEREFORE, Plaintiff claims judgment for possession of the Manufactured Home or the value of such in the sum of $19,900.00, plus attorneys fees, costs, interest from October 10, 2005, and damages for the unjust retention ofthe Manufactured Home. -3- Respectfully submitted, LfJl7;jES,P.C. Chad R. Callahan Attorneys for Plaintiff Voelker & Associates, P.e. Suite 1410, Allegheny Building 429 Forbes Avenue Pittsburgh, P A 15219 (412) 765-0543 -4- e GT.\O.311,'01 .41aSI M....~IC _ PENNSYLVJo.I\IA lMANUFACTURED HOME RETAIL ni'STALLMENT-C<fNTRACfl AND SECURITY AGREEMENT (CONV. - FHA - VA) ISII I Due N'v"'fY\t,t"- /'-/, J ~~.I.~ 7 SRLER ECKEWRODE, TROY'., 313 WALNUf DALE ROAD, SHIPPEHS8URG, PA 17257 BUVER: SCHAff'S HOPI!: Cl:HUII, IHe." 5~G.~LIN(;OLN WAY .~!ST, FAVETTl:VIL~l:, PA 17222 ASSIGNEE: GREEN TREE CONSUMER DISCOUNT CO., 105 BRADFORD RD, 8LOG IIl.SUITE 200. WEXFORD, PA 15090 ANNUAL PERCENTAGE RATE :Th. e~l\ ~, '1'V el.d'!" . Ylli, II:..) FEDERAL TRUTH.IN-LENDING ACT DISCLOSURES FINANCE Amount Total of Pavments CHARGE Fi nanced (Tn. .mor: I will nm Th. do I.. .mn.r! l~. :T,. ..,.nllo: 01 rot.d.! ~rn. p,'d If:lr I hay. nd. I cred I wi' COllI III I I \' ~.~ ~o Ill' ,. 0" rry bl".lf PIV.....,:.u.:..dcll'.. Total Sa.e Price :T., t~:. :Cll af'llV :.r ,~.,. ~o e..dit.,~,ludlrg 'TV d~w- ~Ivm." " $ 121&7.50 $ 70700.10 10.75 % $ My caVlT'ent schedl.ile wl'i be: NUr"'lO!lr of PaY'T'el"ts 180 $ 29512. &0 29'00.00 $ 158512.&0 A-~ltl"t at P~.ne"\ts 325.'7 Wh@n P2yne.ts Ar'J Dl.e Mo"\try oeain~i"\Q . \\mbt,L.Ii)rq~'! SECURITY: I alT' giv,rg a secu"ty inte'est i'1: --L Tre oooos or property berg PJrch.llsed. _ Res properlY locSlea at FILlNQ FEES: . 27.50 . LATE CHARGE: 11 a pav,..ent is MO'! t'12...15___ da.. s late. I VI I ~e c'1il'Qed 5 5. Gt ;). .!_'_~_ % of t"'e Ollv"'ent. w'H:rever is LESS PREPAYMENT: If I cay off carv. I wll rot be crar;!ed a orecaV'T1ert peraltv ASSUMPTION: SO'T'eene tcLylrc ""y ho'T''' May. Sut.8Ct tn concitlo"\s. roe allowec to ass.Jr"'le t~e remaincer ~f the C~rtra::t 0"\ t'll! or gin!!1 ter"'s. Se@ ~e Cent'act coc']'1@"'lt b@low for srv ac:e: tlol"&1 Ido'-at or !I0:lut "'lo'1paymenl. defaLlt. sry requirec 'eOIlVMe..,t i"'l tL oefore t'le SC'"ledL.:ed da~e. ard prepay""e...t ret..u'lCS anc penlllties ITEMIZATION OF THE AMOUNT FINANCED 1. Cas.>- Sale I'r,ce i rclueing Taxes of) ~ . DO S 2. Gross Tfade-In .....'..... $ 4"57,51 u.. A",1lI./l1 Owtd an T"d.Jn $ . DO NetTrace-,'" ..__ '.... S ""!i7.JiG Descriptlpn~ Me(e CllNCHEI1CO Year 1974 Sire 70 X 12 3. Cur Dow.., Payment . ... S 7530.00 4. Tets, Dow", Payment....... . ..........,... . $ !'l Unpaid Bala..,ce of Cas.., Sale P.iee l1 .41 - $ 6, Paid to P.Jbl:c Of kia's.. ........ ...... .........-$ 7. Paid to InS.Jr2..,ce Co..,pa"lles ......... . ...... .- $ 8. Paid to Ape'a'ser . ...._$ 9. a. Pa;d to ... $ t. Pac to - $ c Pad 10 + $ c. Paid to ... $ e. Pa,a to _ $ f. Paid \0 + $ ,. Pllld 10 _ $ 10. PrincipII Bllanel (5+ 6 + 7 .8+ 9 a.-g I.. ." $ 1 1 P-eea'd Fina'1ce C"arges . $ 12.Amo~..,tF,"ance(j(10.~')........ .. $ "lll>O.OQ 121e1. !iO 28"12. iO 21.50 .00 .00 .00 .00 .00 .00 .00 .00 -- .00 29000.00 .00 --------,- 29000.00 PHYSICAL DAMAGE INSURANCE PhyelCAI DeMlIlI' lr1eurene' Is tequlted but r mlY abteln It from ar1vone I went thllt i. ecclptllbll to you. It I gilt the in.urenc. chec:klkl billow tlom vou llr througtl you. I will PAY you . .00 for In.utanot'l protactlon fOl e tlll'm of~ Compre..,el"s\lc ,$ .00 dcd",:t tiel F oed Liacdlt\l ot..,e' Vencor's Sir;;I. Intl!lrest vur. N/A N/A . N/A N/A OPTIONAL CREDIT LIFE AND DISABILITY INSURANCE Credit Lte ard Disabil t'l '''lsura~.;e sre rot reQ~ 'ed 10 obtair cre:lit ard w II not be prov cee L.."lless I s (jn anj aoree to pay the addilanl!1 eos~. The ler"!' of this rS.Jrar'\ce is 00 years. hI" Sir1gle Credit L fe Insurl!r~e N/" Joint Credt Life In!;u"'l"l~e ~~ Sir'\Qle Cred \ Oisllblit'( Insurance Tela' $ $ $ $, .00 .00 .00 ---.-- .00 X S:gnatC'iijofB~;':;(fsnr5.~red--- . .--- Dille-- I CONTRACT AND SECURITY AGREEMENT ,. DEFINITIDNS: .\,', "me", "my" mur'\s 7~e Bu'(erisl. "Vou'. "yo'Jr" mear1S tne Selle- a1d also tre Asslgl'lee lafter tha Cortract !i asslgl"ed by Selle... "MlI"ufao:ved Home" mea'1S the manula~tured home a"',o a"'y otl-er praCe'tv describee ce,ow al":j 0' paQe :; "CO'1tr...c:~. or .. A rei'lme,t" I'rl'lllns this f'll'ltlli' InSfllIIM/lr"t C:'lntrll<::f ...nd S~"lJrlty Agreeme-t. NEW 0 M ... r ED YEAR AND MA E M DEl ERIAl MB f'l SIZE N 1~98 FLEETIIOOD B.,.._... S'VIUMlI. II"C. $, CId.JC'. ~4~ ll..:)O.3.7.~."'1 &arlYl lIT..).,l....::'I.A1P. 1/':1/16 POINT!; V"FLV1~Ae008BO-HP13 28 )( ...8 OIIaQl.~A.L GT.,o-3!1-\O\ 11.1~fi"~ (P.I1" I ~f 31 11",t,.11 ~ , EXHIBIT g A ~ ~ __~ StOV!! ~ Re-'ato, _ ECKENRODE - C07553'? ~~_ Air Corditio~l!!' ._ W.,~~ls'Awl~~ Washe' _ Dryer ether i (Desc'ibe: SKIRTING 2. PURCHASE: I "a"e th~ octior of ouyi..,C tre Mar Jfactu'ec HJme for tre ::as., ,nce or C Jyi"J or c'edit The cas" Jrice S srcw" C""I page' u the "Casr Sa e Pr ce". a"e trll cree t pr ce 15 show.... on cage' as th. "lota' Sa B PriC9" I C:~COS!l to b..y or c'~d t 3. SECURITY INTEREST: I :livll YCl. a secvity .,te'ut :r" the Marufaoturec Home a~d anI' crcpe1:\' ac::le:l to t cr anac'lll::l n.!! ovpose lor Qhslng this se::vity irte'est 5 to secve n', cb ;jatior ..neer t~ S Contract I a so c'a.,t VOl. a secJr t." .,tcrest ir anI' irte'cst I r-ay hllve ir p'el"'\iL.'" refJ"ds 0' proceeds _nde" anI' insl,rarce cover.,o the Ma.,ufa::tved HOMe. I aQre'! tJ e)(ecJ~e a1Y a:lpl cal~., f~' certificate of tit e 0' cW1ersnio. f,r!!I"'::lrg S:llterrert or other COCJMe~t "eceSSary to oe'fect 'lour secJNy irte'MI ""I &!1 Mal"'ufaclurec Home. 0.,11' l'1e ccur.terpart lace ed "o'i~II"a' fray c'eate a sec.Jrity Interest I" chatte Olee< !::;;:ordln(; to t\. e U\"\i~c'n COr1r1e'c OIl Code cef ~itio' I'" effll1ct i,.. PAr-,~vlvlln a. 4. PAYMENTS AND LATE CHARGE: I willlla~ V:>u tl'e an-curt S'lown as tt~e "Ten of PayMents" acco'dlrl; te tll!! O!Yr1e~t sc/,e.Jl. e s,owr 0"" page 1 I also agree to...'pil'La late c"'a'ljs for late pay~ent as srcwn o~ Q.~B ' . 5. PREPAYMENT: I HAVe THE RIGHT TO PREPAY ALL OR PART OF THE UNPAID BALANCE OF THIS CONTRACT WITHOUT ANY PENALTY. 6. SIMPLE INTEREST CONTRACT: This is a 5 ""pie i1tl!!rest cont'lIct The Interest 'lite IS 1 C. 75 % :H!' !!nrUm u~til palj in fIJI:. Inll'!rl'lSt w" 1!::r;'l,Il upr:n trl'! .m:J~I('; r."lrd:l1l1 o~'anr.1'! oL.tsl",rr: 19 .r:'lr- tln"e to t r"11'! Thl'! F ~1l"::Il C"IIl'QI'!, Tell! (If P~yml'!rl~ Ilr.i PIlYr'1l!-,t Sched_ e we-~ cOTPL.ted besec 0" t"'le lISSJ-pt on l"'lllt pay....-ent w b~ made or the cates s,:"edLied lor paymert Ea'\'( CaV'"'lents will reCJce ""f Ilnal payment. Late oavrrerts wi "c'ease my liral pay..,-ert My 'iral pavonent w 11 oe eCJa to al L.,pa1j SJmS C'Je _nde' this Contract MV cromise reQuires '"'e to pay the final Ollvme"~ 0'1 tre date due eveI"' f the aM,,_rt of the 1 "Ia CaY'"'lent dlffe's f'o'" tre a-curt of the '''a pavonent C sclosec 7. NO WARRANTIES: I a~ree t'1at t.,e'e a'e 1"'0 wa"'arties :ll ary type cove"irg the M~n"factJrEd ~orne ~M b"yinll tl"9 Mal"'.;lacturea HOMe AS IS a..,d WITH ALL FAUL T5 ll.,d THE ENTIRE RISK AS TO THE QUALITY ~ND PERFORMANCE OF THE MANUFACTURED HOME IS WITH ME. I all'ee that any Impied wana"t'l of ""'er::"'srtao;lity anc a~y ionplled wanrty of f tress br e part CL ar pUrpOSE a'e specii Cell' ewc .JdEd and :JO ....ot cover :f-e Man_factved HOn"'e T., s No W....ranties p'OI! S:Jr dOES ""ICI ap:.>!, t::J t~ e ewtert t"at aI', i!lW c'~ricits it a,d t djes -::: :o"e" any seearate wr tte" war'a"lt es e PROTECTION OF THE MANUFACTURED HOME: will: (a' <eep tre VlIn..Jlact.;red Heme in god cc.,d.t en a.,c '01 comrrit 'JItllS:e; (hi DIlY ,,',i t~xll!\. "."1Il'Ql'IlI 1!r.c1'r.t 'I'lnt dw'! for r-,l'! MlIn,filr.t"rllr. Hn'-'I'! ~.,r1 th!! rllil' O!~tiltf! it ~ lor.~tl'l~ en; ,:e: not ,-,nvl'l. .)~Il 1If!;j~ v. .~Ill. II'!ASI'! or ::r"lrw.sl'! trllrsfl'lr t'1l'1 M"".Jfllr.tv/!:1 H:1"'1I'!; 10; not Iltt~~r fhl'l MII~uh(.lu''''(; f--n""f! tn Ilf"Y rl"~ f!l\tH". 'In:1 rrll MarJfactur~c ....cTe wilo a WllYS be treated as Oe'SJnal property L11ess ',OJ co"se.,t ., wr t.,a 2~d slale law perrrlls SJcr cent'J", t'eat,.,e.,:; anc Ie) re: .et a"YDOCY ese have zry irterest in t~le ManJfa;:tJred -jome. 9. INSURANCE: I wlli <eeo tne Mar"ufact..J'ed !-loTe 'I"SJred against SLch 'ls'<S a.,d I" SJC'1 a"'o,,"u as VOL. may reasel'1l0" 'eOulre with ar hsva.,cl'! C'r"1pa-y S2ltlsfa::t(')ry to yo~. I will i!"angl! fo' YOJ to be naMed as loss pa'/M :>r the oollcV. I l\lr~e to C'()vl,je ',0.' writte"l ev den::e of .,s.rarce as 'eql...estee 1:1' yo_ f'or'1 ti""e to t me If YOl.. f .,a.,ce t"1e pvc'li!se 01 ary sucr rSJrance fo' ~e. I w repay VJL 'or t'IE ,:ost 01 tt'at insurance, :::Ius rte'es:..JO to Itle cortract rate of interest. I al..tl1eri2e veu to fur') 5" a::COl..nt oa:!; :c. a IIcenS8C ,ns.;'ar'lC" 11l1l'1t of yO\.;r c'1olce so sucr Silent May solie t the ourorsse cf cred.t. orcoe"tY. war'e.,tv or ot..,~r irSl.'8"1C!! f'o'-" mt'!. . I'IJree trat tr.e 11SUr/l"'::s comc;anv ""l'Iy mak~ ary payMents cue ...-,der t.,e :Jolicy d r~ctly to 'Icu, a,d 1 ::: 'IlCt t~O'! ir.~.;ranc" ,:cn-panv te:lo so. YOI... r-ay dc wratelle< YCJ t."k Is recessa'y to oe s_'e :~at any ~ro::eecs of tr! Insl...'.!1ce w I oe L.sed to 'epal' tt-e Mar Jf8cluree HOI""Ie 0' cav off tl-s Contra::t. I gi\,E 'Iou a power 01 attor"",y twn c"11 .::arrot cancel; so tr.at \'C_ Tay de ....'1Rtevet yt;.J r8e::: to In o'der to cellect tre insu'8nee oroceeds. If I fail to obtaiI'. rr!! rt.!il" 0' pay lor t'1e 'equirec I"sva.,,~e. 0' if I fai to ar"a"ce ':::r YOJ :c oe .,amec as loss payee. VO.J mav trllat trat as a defaJlt cf 'Y"Y obi Qatlo.,s ,-rell' this Contract. a.,d VOL. ."ey ':::ut erl'! net r!.~l. oed toi t)vc""lase 5L.Cr ins_ranee. If YO..J PJr::has~ s.Jch "S.Jrar.::e. I w mme::liately 'e::lav yc.. 'c' ary arrourts YOl. spe~d 1'1 CVC'18Sll"''' t'1e '-SJrance. OI..S ....terest UP to the cent'!!ct 'ate 01 irte'est C'. at your opt.or, ~llY yO\; ave' tir-e as il \'\IorO(OJt ct t"e cb 118tlon. If I owe VOJ lor 8rV Insv'ance (or for late C'Hlrges, atto'rev fees or cQ"ectlon costs. I u'1cerstand t'lat I owe Ill' ad:II~lo"la SJm lor trese deb1s beyo,.,d r"1Y MO'1t- y onrclpal arj .,te'est ~2Jy""ert. My 'Y"o~trlv paY'Y"e~t will the'e'c'e be creatlll' t'18~ Irat stateJ cr pa,!! 1 l. ..,ti lil.cr IIdc tional allots arll 030 II" I..JII '0. DEFAULT: I..., be ir default il: n I do '0: ma<e a pavrrert 0" t're. 0' Iii) I co rot keeP llrv of rry elher prO'rses l.rde' d' S Con'act: or I,ill file a cue. or SOrT'eone else f .es a cue against '"I1e. _"Icer tre UI"'ited States ~ankr .Jctcy Code; or 'v' YC..J feel '111OC:J fa th trat trll Man.JfaCLred HOr"1e s I~ can,,!!/ or ~rllt I wi I rot be ab e to :o.,tirJe ny paymern. T"ll :!!faulf des::' :llld L..,r.llr {,.; r::lls rot aPP'y 1 t.,is C'jrtract s ;luara.,teed :>1' the Ve:eran's AjMir st'alior VC.J '" I :Jille ~e .,otice of Ihe ceia.. t e.cer;t ",,-.e" I \/0 JrUr ,y sv'e"lcer ::lr abardo"' I~e MarJ'actJrec ~ome. I will have t.,e ri".,t to cure the cefault dv rg :re .,ot GE perico. If I c::: n::t CL.re the Cellll..it. YOU may co ether or cot., of tne follow'",,: (III Accllleretlon: 'Vo.. can 'eQL re me to inl"'\'!:!18tely OllV '1OL. H'e e""lflr~ remar"i'1g oala".::e of tr's Co.,t"'act; aMIO' lbl Repllll.A..lon: YOJ ea., repossess the M~rdaeL'ed HarT'S. O~ee VOL gt.! oossess:n cf t~!l Mz.,u!ectl...red Home you May sel t If the e'rju,t f'o"'" :re sa e, aite' experses. is less t'la~ wrat I ewe YOJ. : ,....il oay 1'0_ tre ciffere":e. II trere S Ilny P'OOe1:Y lefr ir tre MarLf8et-.J'ec Hc.,-e wtll!!r'l yo... repossess. ycu "I'1't dispose cl it as orcvlded by few. II I cef.!l..JI~. YOu O!!n de WI"'atelle' IS necessary te correct ..,.,y de'i!lu t. " yo.; sterd r10"l!lY to c:;.r'e::t my celal. t. I 1.'1 I pa" y:)u tac< Irrrreclatllly w t"" Irlerest at t'le co.,tract ratl'! of Interest. ". CURE OF DEFAULT: I ..,ay cure ~ defaJt at a-:"'y lime :lefore l,t ~ to t"e Marufactu'ed Hjr1e Is transfe'red ~rcm r1e. ",-ic., will te at lust 43 days alter 'ecelpt 01 t"'e 'lc:iCll 0' default, To CLre tra defaJlt I mLst pay (a' alla",cJnts ......hlcr WOUIO have bllflr due :'1 the abs!!rcfI of delaJlt <lrd accele'allor. (h) 'easor'al: ~ atlor"ev's fees 0lU5 co.rt cosU anc a::tl,ill oJ~.er.O:lcket elloe"ses as I_rtrer defl-led in oa'cQ'ap., "2. (c' any lite Char\;8S mil: sre dl.. a, rCJ 'usorae,e costs wh ch ar!l aetl.ally i.,cu'red lor detac:hirtj ar:l transportir"\(l the Mar"Jfacl:Jreo IoIo""l1e to the site ol sale, (el OBr'orm a~Y ettler c,OliQlltions .;nder dafaL t. I must also pe'fJrm any ot'1er obi Qlltio~ I WOJlc have had te perform Ir the abse-,ce ::f ceh.Jl: , ralle the r ;;ht to CJre a eelaLI: _0 t::J tNee 13; times i- c.,y cale.,oar vear , 2. NOTICE: Eleceo! lor al"'V "ot:ce reqL"ed u"Icer ape icable iaw to be Ollve'l Ir l!not'le' Manrer. II: ar'lV notice to me p'evicec for i., t..s ~o"tract sra I oe Qlven '1 w'ting by mall ~" SuC~ rotlel! bv ell,tifed na . adcressed to orA at rrO! f.Aa.,ulilctvp.i H..,re ad::ress ,r at 51..0" at'llH adc'e;;s as I May ces It-,ate by ..,etice to VCJ ir ......it rg, and (0' a~i' rot ce 10 '1'0" s'lall :.le ~iver ir writ....1; l;v ce.tlf ee mal. r!tt_rr '!Ice ot 'e~uastej, :e 1'0...' accress statec rere n or to Sl.cr other Bcdrau as YC..J 'rllV des OI~llte oy notice l:l 'T'e h ,.....hr>J. , 3. ATTOAN!Y'S FEES If 'fO:.! hire an a:to'nev whos rot II salaried e.,-,ployee to collect wha: I ewe u-,der t'lls Cc'wa::1 or t:: get possessl()r of tre M~nufact:.J'Ed !-loTe or to enforCE TY agreements "eren. r l"'1av be 'eqJ ree Ie pay \'C'_r 'easor-ab e a:tor-,ey's fees pll.s:oJrt costs ard ar.tJal OJt-of-p:'lr<llt llwper ses I state law p'ov ces fe' a II.,. t on alterne,'s fees. I ",III :Jay crlv tre A;lal I 'Y" t '41. MISCELLANEOUS PROVISIONS: Tris w'itter Contrzct is :re o~ I' ac'ee~lnt :rat callers "'v ourcl-ase of tl-e p<o~ert'l TI's Cort'2ct ::,., 01"'1'1' be Modified or ame.,ced. 0' provls OnS in It wa'lIed (gillen upi. by I! INrltte'1 moo.fCllt 0'1 to t'1ls C01:'8::t $ ;)nec1 tv YOw You ca., cecide rot 10 use 0' el"'fo'ce a.,y 01 y'j,,' 'Igrts I... ,de' tr i Ccnl'a::t wl:rCl..t 10sl!"ll t"em For e)a'-'P e. 'IOU can extenc tt-e t l"'1e br 'T'akirg so-re PilY"Tlert> w tho..Jt e.te"din" ot"1e's l' a"l'( ea't of tr s Co.,tract car....ot be erfo'cee oeoa..Jse c,1 a aw wh c" p~oh olts it. a ot'"!r Darts oa" stll be e,..lor~ed. I agree te oay y~ all a .cwatie ch!!r;;es b' the retJ'''' DV l! capos to', irstitl. tlor ::J' a clsl'ono'ea check 0' olher ,"ellotiabe InslrLrrent 10 l'le I.. ellieI'I orOIl'C~ec by 20pl:cao e raw I ,agree to cooperate wi:I-. yeu rellard 'l'J ary reQJ!!sts after :Iosit"ll te ::o,rect er'o's made ;;o"ce',inl; this Contract or tl-e t'a"sac:tic,r an:! to ercllide ar,' a'lj all addi:io.,a C00_-rertatcr' dee.,.ec: .,ecess3ry oy Y::JJ l"l ::n'1'lplete tris trars2ctio~ 8..,..... iytl~.rNI, Ir'lr.. $~ (IBM', ..1.., f1.I!K:lO-3I'.23.1' '"yrn O.,~".ClAlP'" &!,'!fU; OT,le,ag,!OI :4'951 I~ ~ r~.II. , of " ~ 01'1 GU,.ll - . , ' ~ ~ ECKENROCE - 007SS5~ , S. ARBITRATION: .0.\ displ. tes. :;Ia.,,_ :::ent'ove's es lI'isin" frOr"1 er "II lit ";;I to tr 5 C"-llC't or tt'e J;llrt liS t'1e'eto sr llll oe res::llved by b:.,.jlrQ arblrrllti,n bv 01"11 arb't'ator selected bv YOU '",,'Itr I""Iy conS!'t. This llQreerr,er-t s 'T"'IlC:~ :lurS.J1l1t to II t'll'sac~lo' r Irte'stUe CQffl""lerce al"c shall be governed bV t,e Fed~rll' Aroitraton A:t at 9 'J,Se Seetio,' Jucgl..,e.,t _Ipon t1e awa'c 'e'dered ma', te erte'ed In lIrV cov~ r'lIvi";j ..J' sc cten. The :)arties lICree and urderstanc trat tt-ey choese al'oitrato- -itead of ht"8to~ to resov~ r:1~pL.tI!~. T..,e r.1I.tll!!I .Jrde.~t~nc: t-~t ttlll'f hll\lfl II r;;ht to I tigatl'! rll~:l\lt"~ , ::r..Jrt, t,lt trllt t'1I'!V rrl!fl!r tn '1!!\~I\l1'! Iht"!r ril!';f)l.fM t"'i'0L.';jt" lI'ctratio'1. ex::ept liS provlcec l'1erei" TtolE PARTIES VQLUNTARIL Y AND KNOWINGLY WAIVE ANY RIGHT THEY HAVE TO A JURY TRIAL EITHER PURSUANT TO ARBITRATION UNDER THIS CLAUSE OR PURSUANT TO A COURT ACTION BY YOU IAS PROVIDED HEREIN I. 1-e o!rtles lI..'ee IIr::: J-je'sU-d tl-at a e sCJtes ll!is"'Q Jrde' ::.ese aw. stlltdory II'^' ~rd all. Oll-~' I~ws I'1C Jd ~J. C'.Jt rot liT ted to all CO'1trllt:t. tJrl a~e proPerty disoules WI I te $uoject 10 onci"Q o3r;).t'atio- 1'1 cceorc .... th Il-rs Cortra:t. Tre os.ties lI"ree that the a't,trato~ sr811 he\l!! all powers l:~ovidea by 'aw, tre Co'wact and t'1l! lIe'elll""le'1t of the Pll't es. nese cower. sha i 1C ...J,je all leesl ane eQJil.eole 'CTee es "1C L.d rQ. tut '101 '1'" tee to, Teney detllaQes. cee lIratory 'e ef Ere 1ur:::t V~ rehel !\c.twit.,ste"1dirQ arythn\i "1e'eJ1'1to tre CO-frary, VOl. retail" 8n (<otio., to Jse JUc ola (frlinQ a lawsL. r: C' nO'1'IJd clal 'ellef to p.rfo'CI'l a se::virv sareeme,- relatine tJ the Ma:'lUfacturea HO'l'\8 securee .., a transaclio" .Jncerlv nQ th5 a'b,I'a~ior aQ'eel""le"t. to el'fo'ce tr,e "'onetary Dolicaten secvea by tre Ma'1ulaetvej HOr"1c or to foreclose 0" t"e rJ1anL.lcct.JI!,:d Ho~c T"e 1'15tltJtI0" arj mal-te18.,::e Of a lawsu I te f,ree cse uJ;on l!~y collateral. to obtair a I"'lo'eta'y ,l.CQme~t or to enlorce t'1e S!lcum'/ aroreer""ent stlel n::t CDns~iLte a ws \ler ::f the r eht of ary parly to cO""l:el a'oi~rat en 'eQa'dir:l cry ot..,e' C sp.Jte O' rel""ledv SL.o.e::t to aroi~'ation , tr s Cont'aet, "c,ud'r.g the ',I,rg 01 a cour.te~clai".. ,n a SL.,t broJcnt by you pu'sJa"t tc ths OIOV 510'1. NOTICE: ANV HOlOER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF, RECOVERY HEREUNDER BY THE I DEBTOR SHALL NOT EXCEED AMOUNTS PAID BV THE DeBTOR HEREUNDER. i NOTICE TO BUYER~ 1. DO NOT SIGN THIS CONTRACT IF IT CONTAINS ANY BLANK SPACES. 2. VOU ARE ENTITLED TO AN EXACT COpy OF THE CONTRACT YOU SIGN, KEEP IT TO PROTECT YOUR LEGAL RIGHTS. 3. LIABILITY INSURANCE COVERAGE FOR BODILY INJURY AND PROPERTY DAMAGE CAUSED TO OTHERS IS NOT INCLUDED UNLESS INDICATED IN THE PROPERTY INSURANCE BOX ON PAGE 1. BUYER_ Af}'~O~~~ O~_~ CO M:LETE 0 COpy OF THIS CONTRACT. ~ fHROCE ' S,gnaL'e 01 8.Jver ASSIGNMENT BY SELLER SI II' h 'Iby IIlle. es.iens a'1d t'e-atltl ita 81'1[1" I art, Iitll ard "tl'alt i., trl CO~1reel end Ih. OfO,;;..ty du:ribe" t,.re;r 'II-I 'P'OCI'ly Ie A.IiCn'l. To i,o.JCI A&8 Q"" to curcI-a.. the Corlra::t, Sell., Wlrranll that: (ai H'.8 Cent'lct ana GJarlnly. I .ry, all g.nuirl. Ilg,lI. volle .nd .nlcrceabl. I,..d 110" I.om II'" II" of the Proplt1y; (0) the Corwacl I. 'L:bJ'CI Ie "0 dellll'''. counl.relll- 0' IIro(l: Ie; cop.e. cI the COI"':rICI ."0 ~I' oth.r docL.'''lrts I (;nao by t.,a SJV"is: w.re ai'"" to Ih. 9.Jver ';;' or Ie con....Jrr.,. alien: le' S. I.. 1-81 ce..,o Id wil" al f::l:1 eet:. I.der.. .tar. ano lecI ..... I, 'I(; Jlel or.. rJI.. a.,d o,cinlnc..: ,,: tr I auyl' is .,et e .,. '1C' and hal I.ge cacae tv to ,x'OJ" tr s Centr'CI; ('I r-e PrOperty la free Ird clu' of a liars Ird ancwrrbre,.c.. .)Ce'pt I... 18c.Jllry lrl...... graNld r". '1 era S. e' 1-11 Ihe riarl 10 a..IQn :r. Irl.'.SI n Ih. Cenlrect: ~;/) tn, "~L.rlty 1"""11 g'enr,d 10 S,lIe' co.,.lllul.. I vllld Iftl II.,. on tr. Prc:>.rty a.,o h.. 0..'1 In.::j cr record.d Iccore'n.. to law ~d.catl';/ A.. "..... es flr.t ..o.....d oarty; (h) th. eov;- Ol,rr.rt IhoiN., or ~r. I.e. h.reel .,as b..r. '.el v.d Ird ne pa.t ~1-1'lol wu .dvanCld direety or indirllC~ V oy Siller te 81.\,"; Ii: I Ilalemeru 01 I.el m.ee 1'11-' Corlrlct ~"e. stat..,. ents rrade bv O' or oehs'l ef tl-a 3.Jv" ,~ Ih. craclt app. cat-onl Ird any olher lorm. ,.Ieti"g 10 the Contra:t a"e t'l.. te 1'1' but 01 S.II.". ..,ONI.cge a.,d b.li.f: (jl 8_YI1 rll cl-Ylieal derregl nll.re"e. i., Ihe errCI,;'1 01 Ire "o.oted'1'u: (kl Ir."e I-Iv' ::llln rc .,.el.. al eharal. in 11". 8J~".' Ineo.,.,.. hosbl,d,.... cr ,"'plov,."rt Ind '1::> ot.,., "all1la e....,cec b.tw.., 01" .pc'ov.1 .rd 'L.'1a 1";/, ",1, . . eor:llll~., te Aulg'1" ("neirQ Ih. Cortreet. II I"'" ;1 . brlacn 01 Iry 01 I.,. 10"lioi1g war'I-les. 18 IOlllv d.t".,.inec by AUla"", w thcut r.aare to the S.II.... k."o',vlldo;;e wil" '.ep.ot the'stc or A.sign..'s relar:. t"'"'o~. Siller agr... J"cc"d.t,or"av to "puref-au 11-. Cont'~et Irem AI.i",.,. ~oo' oe~a,.d. fo' tre lull .r""ou,.,I trer unolld p'JI:Ol!11I !,d alCpI'!le! "'lc"rred by A6llg-ee "p1U5 ~,:cr.J.::j Ird Jnp5ic mlllrlllll. w-lIthe' II-e Centra::1 ."011 \"on !>Q, or POl "e. j" defol. t, a.,d 10 ir-del"1r ly. ,lere.,d aro hold Ass a-ae '1~'mlass "j~ E"y lose. de,.,ocoo or C e,rr! dol".. nAI.J'" by '8IIlen 01 lll..ch o'e"o., of werrA'1ly, ine Jd.r;j !IICrnevs' fen, eovl Calls, oilb...J'lllmll"~1 ard ol-l.ol.poeket exper-&1lG ~Ada' rl,rttu:tr ftQ"~{lft 1hfU f'\ 1hR A'VAnt ~lJVA' A~r::;;art~ .gAinf;T A"Rjgr'lA~ flny r.IJII.m. rhdArfift r:r courr~rr:lFlifTl IlIg"j"U;1 :,)"Vf1'Rrl r.r IWV l:;;.Jr" OW'1a l.'1ds' the Con:'set O' i.. delense 01 'eo06SS&lion or I',s 86611" or. eil',s' erel or w, tis.,. Ihel lros ::>rope'fy . doh:1 ve. n,,' 95 'op'ss.Ned 10 ;!uvs' oy Slllle. 0' Iral 5al Ill' ref.Jses 10 "O'1cr any Wllrra.,ly or ser"i::" ea,ellrre-t 01 Selle" or It." rranuleeI.J'e'. Selle' will, lOC, Ass gl"as's llarrard, 'eDl.rOreSB Ttla Cer-t,ee: 1'0'" Asslg~81 a.,l! paV A6S gree Ihe II. amount 'STain rQ I.n,;;A <l I,oll,s IIcer .JIl(1 and uno..J Inll'Qs:: p".s As" IJ'''Q'S costll e.,o vxpensev ''1eh,J.jl'':l el1er.,..... 181S. W"l8lrllr or '101 s'W SJoh c'.'"". d..far-slI O' CO".,I.,,: a.,., sral bll 1I11"1orI0l.,JG and w rhoLt Awalti'l'l;: adjLdl~lt cr or RuVW'1t cis m, dA'gr".G8 0' C.:ll.nfa'c a....,. B,.d SR A' f!hji('l 8""'88& ~c inderTl'i.ifv, rf,.t"r(~ =3rri "'Ie j AuQ.... hlrrr..s Ir",., IIny s.;or" e ."., nell-ding elt::>'.,...... 1'18, eO.J'1 cesU, chbu,..ore'1:' ~ne OJt.cf.ccc<l1 up..,.". "f-. lib lily 01 S, II' .-,11 'lor b. afflicted bV any IIXllnll 0'1. 'anlwlll 0' o:r-er c..a,.". in t'1' rr.n....r. ~I~c. or t.,.,,1I 0' c8y,.,en Iher8c', or th. rllleue. ..U1tm.nt or ceMPlo."i.. 01 01' W to IrV p.rty 'i,t e lor Plym.nl therect. c" Iht '.Iesll er r"or.p.'I.ef en 01 8ny 1I.:uril', Ih"IlJnder. All gn'lI IIrall nOI b. boura to IlCl-aJlt 18 "COI.'" 8gainU il.Jye' e' a-y eth,' petS or ,. IIny neu'ty bllor. tt na I~t,ll.d I:> pey.,.,e,! :>v tre S,II.' "".w.,de' S,'er Wliv., retiee of ace'pUnce of Ih. Ag,..,.,.r-t ,r-d nol eel 01 '1o'pevrr.rl ard neno"{:>rne,ce cf Ire Ccntr~::1 ano In~ orh.r "ore'S"quireo by I'w Ind WI VIS al: IIr:>". and COl..,urc eims. ., eodiri~... t"il Auign,."nt i,e,ud.. t~al c.rtain ::Troy I or to fo 'ow, orov ded that, if r.ana of Ihs 10 '001.' -Ii P'C...illicns "u b.... cheek.o by the Seller, 1-. Au gr.,,.-t II-el' bll eoraid.red to hallll b..n eh.c.." "W.t'1 ~Iecwr,,": A, "Witnout R.coll".... 11-a ISSlCl"rre,t of 1~9 Contra::;1 6 5'10 .,all be witho,", rlleOJrsa a".in61 I"e SII sr ex~epl as pro.video eo eve 11'10 ir ''1\, lecerele deal". aereerr erl I:etwae, Seller ".,<1 AsBiene.. r.lal''1C te 1"8 pJrr::h.s" o( Coruacrs. 8. "Limited FlBeaur..... In Ihll Ilvent 01 dere.;11 01 I\c.y..' before 8uys' she; he". aRid Ii'll nu~lQ' of rT'orth'v 08w'r'T"'an16 unU8" II"S' C:onlr8ct RA 'fit forU" bAlc.w L"U8J" "LiMit8lf Recm...rss". I'UI SQII~r will, Jpon lHltr"nu.. 'ApurC'U't=M fh;~ Centra:1 Irerr Ass ~r.. ler Ih" IL.lI ~..,ounl 'elT.;nin., unpe d .Jnder :t'. :orl'lct C. "RllplJrchllllll". I ~rll Assig"lee 'lpCSSI66"" 1"11 M''1l.flet....ed ~o,.,., the Sillier IV II. upo, ::jen1510, '8purCrase tha Co,.trmet frOM II-e AssiQr'se for Ih. f.J I aTCU,,1 '8Mam"Q unpaid un::ja' Ire Contrect. D. "Witt> Rllaourllll". The 58.ler unco'1dll,oraly ~".'.'1IBBE p9v,""e,t of the lull Irnourt refT18n~g JrDllid un:ler t'1l1 Conl'Eel ar-:J ag'B8s to CLrcn8s9 t.,e Co"t"'f1ct f,cl"""l tre AsslQn99. .JP:ln (J8,...a~d. lor t..... fL S'T10unt t..,.r _"p~id, wi"'ftr"Aver 1"19 Co...trect sral hA ., tJefnu t E. "limited R."...oke..... In ""41 overt of del au I 01 e.Jy"r 0.10'" BJ~Qr she I-~"e paid tr.. ""fT1ba, cI 'northly j;ay-,enls u"car It-e Cort'aet as set I~'t., b, ow ~'ce' "_.., tI" q'O,,'Ch8U". tr. S'ler w II, _per "ema,,,, rllpv'c"e.. It-. Centract I"o~ tr. Ass a"" br I~B fu al"1ourl rlMaln "Ie I.noa,d l-nd., Ir, Ccr-trecIII If>, Au'ar.. repOlSe9BU I.,. M.n~fact~r.d ,",0,.,11. Se I.', Oy lignira bille,^" Bll.:..otlls tnls CO-I'eot a,d e so us gr; t-e senQ te Ihe As5lcnel In ee,:Drdanc.. wit., Ihll braeo"\l Cru"isio.,.. ",.e Selle", Au ;I,..,.,..,t wll . .0 I'1CI"d. tr el el'le '1 Of 0\' lor ut rorr., soev. c', .,lch Is ohlck.lld o.lcw: SCHAFF . By:X I X 1 A. WI OL:t Recourse ( . .1 It T,tle: It 1....., RePJrchase ( ~? ISelle'; lB.L:n:tecReccurse < iC. _ PaY'T"er-ts ~ D, Wi~r Reccwrse : E. L." le::J Rei:l..rchlse _ Pay-e"1ts G-.' 0.38. 1CI (4'1151 (nll..'1 of .'], 11..,.".-. I.,..:.",., Ir.t:, s~ CIQ;.JC. VI'll 11.1:)0-387-23" ~ '0'''' Q'!'.w~"C:.A1P" &::21ll! OIllOlN.l '1I11~Jh'j 'lh1lf,lJ ;t." _: .1I1:i:l:h1IM:r1~ ., - DEPARTMENT OF TRANSPORTATION CERTIFICATE OF TITLE FOR A VEHICLE '733e001'0003S0-001 15)'S50,~\~,,~,,~~], EC EXEMPT it VAFlV],'A8D08eOHP),3 'H~ FLEET WOOD l'lAR M/."'-F or ....IIW,!..f \ \ 12/1.11/" rnJOtl TillE STATE OlX>M PAOeD lJATF I HN\ AUF.N WE1GltT I GvWH nCWH TITLE an.a.NDS VEHIClE IDENTIFICA liON NtJ~[R o OOOU MIL E $ O{)O~ STAHI~ BODY TYPE OUl' $EAT CAP 12/18/'7 oME OF 'SSUE (ll'X)Mf. TEA STA TUS . '-." T I . DISCLOSURE EXEMPT 8Y FEDERAL lAW ~, Ar 1\ J"'l Ivl't (; .......f ~1\1...I~f !)I(tf[~!'~t"F~-:"""jj{A: ,i,Mli .,. ". '}.. I'tUllHl AC1UAl WlE."Gl. 3. NOl1tfE ACTuAl ~c.~ orx....., H II l......PE~ING VE'RIFlEO U. ... f.l(FWPT ~ROUOC"JOaA~f1r.:'(.I('l~;tJm A[DIS r[ . 0 OW!E'FI(91 "I TRO'4'A ECKENRODE 31.3 hfALNUT DALE RO SHI1PENSBURG PA 1.7251 ~ ~ ilRST UE'VAVOROf: GREiN TREE CONSU"ER orsa CO I' ~ ~ F"1Il51l1FN RElEASED ~ D~E tl . BY i -n__~~~~~~~-"-~ M},llIN(l AOORESS j \ SE:r.OMIUlifAVOl4lH 'ilL< Bl1...u ,.. AH1'<'XJFvrtllCtE t: - Cl~SSIC ....E~LE tJ . COIll.ClIYl E vEHICLE " . our Ot (.l')tfttrAv U . ()ftl~iINAI L y ~r~o. FOA Pl........." UIS"~IfIU''ON +I . A(,AICUUUA.Al VEMlCtE t . I {XiGIN{; VEI-fI("'.A.f " - fOfll~~ '( A POlICE Vf1 'It If fl w nrCONS1AUCTED ~i .. SlREEr ROO 1 . AfCOVEFlED H1EFT \I&1'u t \' , VflitClf" CONT,.,I"S RFI::;',CII tl'~trj W_F1000VFHlCtf . :w: _ IORMFRlVAT"",l ~ " " "f""'N'd lewP.)\t1".. ,\ hstE'fj :JI)Ofl s.,h"tilr:fI(Vl 1'\1 Ute hl'Sl lien. lilt' ,,,,I l,oPf'lhoIl:.t'l "'IUsl ""W/lI" In... lrtlt;! 10 h FJtJIlI!'au 01 Molor VeNcies ......tto the "rp'''P'lOI'l'''lt:Irm nr.(tIIl!'(I . SECONO I..JEN Rel[."SED OA,t ... -'.~' "' AlJHIOIlIn-n JH '"Ill :iFr,I,lI.TI,'( GREEN TREE CONSU"ER DISC CO PO ~OX ~156 Sf 200 1.05 8RADFORD RD WElFORD PA )'50'0 I I~ertllv 11& oj Ih@ de.t't of t<\f.U4't. th(l ()flc:\.., If"COl:M nt I""," P~ylw.l'.a 1)I'~""I'mrnl 0' Tram.portahon lellecl fhft 1M p4M'stll'f$1 01 COfl1J'.IIn)' named h'l'1l1!'ln I" I't@ lawful OWf~ (If tt.- $..id vetlide 81unt.EY l lllJ,llORY MO DAy rEMI When.ptIIyIng for title 'MI~ a CO.CMo,..t, oI~ lhI.r'I l'QIJr SClQUU. ~ one 01 the. ~I .. no bb:1l:. d'ltck~. tile wtll be i'llued as ,,' ~",5 ;" Common ,,(J ~ Tf'r'lllntS WIth RIgPlI of Sl.W"\I'I'\IOf'hG 1M ~ilft1 0' Ofle 0_', ,,,... ~ ta Itvt ~tlN",lng (WIf~" A 0 lAtllt'lI~ ~1 C\llTll'1".()P~ (M (Ira'" n1 ~n" '..r\lO' .rteril!''5;l 04 dl'k;e~M"d .........", q~' to tu. Or ,..r ~'$ 01 i!'Slillf I SJQJotA.TUnl:.C>> ''t~S()t.tI>.OMl.NlS1E~'OOO-''11 Llf,., [)A1F fIRSll,IF"'liOll>f fl ~ ,FNQUEN CIIECK ROY NM....f SHfHI CIIY STAIF ZIP ~I ~:)Jl TI>ot U'l1(H!'SJQr'lefl h&rer-.,. rT'.kl!'S fl,.plot&I,On f{), C.-.t"IC:"'" ot Ill"," I" H~ ....t'H';Ie ~~r~ IlII)()vII!',iuhJ8C.11o the "nc:yrnblaF\C.~,tr'ld orr.-lflq;tl ~~ HI IfllIh hft"" Ut~~ OAIF. Sl(:(lNI) LIf':14IU)l{)FR "JAM~ STrHF' 51QffATlJA~ Of Af'PLI-ANT OR AUTHORIZ~U bk..1M.IC CITY SJA,IE llr 'm S)Q""..llIRE Of CO Af'r~lC""tf'Ht[ f}(" oIoalHOnllr.t'l'So..hl'n . . S;UHl: IN ^ (;AF I::: PL ACE "IF" I O$T APPlV 'f,;OR ^ UUPL.lCATE ANY Alft-RAT'ION oh friASU~~ VOIOS Tt1\S TITLE 1 c "\.' , ~ " 1 j l . . o ~ ! I IS ROCKDALE RDAL, AZ, AR, CT, DE, DC, FL, GA, IA (LH PMM), ill, IL, IN, KY, LA, MA (LH), MD, ME (LH First Liens), MI, MN, MO (LH First Liens), MS, MT, NE, NV, NH, NJ (HO), NM, NY, NC, ND, OH, OK, OR, PA (HO), R1, SD, TN, TX (HO), UT, VT, VA, W A, WI (LH First Liens), WV (LH), WY NOTICE OF DEFAULT AND RIGHT TO CURE DEFAULT Date of Notice: 6/28/05 CERTIFIED MAIL RECEIPT NO. TROY ECKENRODE 313 WALNUT DALE RD SHIPPENSBURG, P A 17257 GREEN TREE CONSUMER DISCOUNT CO. 105 BRADFORD ROAD SUITE 200 WEXFORD, PA 15090 1-800-245-1340 Account No: 73323585 CREDITOR: GREEN TREE CONSUMER DIS.CO. Credit Transaction: MANUFACTURED HOME ACCOUNT You are now in default on this credit transaction. You have the right to correct this default within 30 days from the postmarked date of this Notice. If you correct the default, you may continue with the contract as thought you did not default. Your default consists of 3 payments (plus 0.00 in fees and charges) totaling $629.48 Cure of default: Within 30 days from the postmarked date of this Notice, you may cure your default by paying $629.48 Which consists of $629348 for past due payments and 0.00 for late charees or bv doine the followine: N/A Creditors rights: If you do not correct your default in the time allowed, the creditor may exercise its rights against you under the law by taking legal action to repossess or foreclose on its collateral. If you fail to cure the total amount of your default within the cure period described above, then as of 30 days from the postmark of this Notice, the maturity of this contract is automatically accelerated and full payment of the contract in the amount of $20333.35 shall be due and payable without any further notice from the creditor. Additional expenses, interest and charees accrued after the date of this notice shall also be due and payable. If you have questions, write Green Tree Consumer Discount Co. at the above address or call the number provided. If this default was caused by your failure to make a payment of payments, and you want to pay by mail, send a cashier's check or money order. Do not send cash. Other payment arrangements may be made by contacting Green Tree Consumer Dis.Co. ~ EXHIBIT i C. I VERIFICA nON I, Dalton Baskerville, Collections Manager, and duly authorized representative of Green Tree Consumer Discount Company do hereby depose and say subject to the penalties of 18 Pa. C.S. S 4904 relating to unsworn falsification to authorities, that the facts set forth in the foregoing Complaint in Replevin are true and correct to the best of my information and belief. Dalton Baskerville Collection Manager Green Tree Consumer Discount Company .-, f-~ ~ > , ~ V'l -::1 G II U\ - . ... tIl. ... ..0 ~ - ~ - ." If''\ --.... c r- f' a.- v..> ~- -:l ~ r.........:J ~ 'f":~ - --r- SHERIFF'S RETURN - REGULAR CASE NO: 2005-05505 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND GREEN TREE CONSUMER DISCOUNT C VS ECKENRODE TROY A BRIAN BARRICK , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - REPLEVIN was served upon ECKENRODE TROY A the DEFENDANT at 1240:00 HOURS, on the 27th day of October ,2005 at 313 WALNUT DALE ROAD SHIPPENSBURG, PA 17257 by handing to TROY ECKENRODE a true and attested copy of COMPLAINT - REPLEVIN together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 18.00 18.24 .00 10.00 .00 46.24 ...; ...-'" JV:~ . " ../;..~;;.:.~~:....? 7 R. Thomas Kline me this tt 7 ~ day of 10/28/2005 VOELKER & ASSOCIATES By: /Q1f( Deputy Sheriff Sworn and Subscribed to before A.D. Douglas C. Lovelace, Jr., Esquire Attorney Identification Number: 83889 36 Donegal Drive Carlisle, P A 170 I 3 (717) 385-1866 GREEN TREE CONSUMER DISCOUNT COMPANY IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff v. CIVIL ACTION - IN LAW TROY A. ECKENRODE : NO. 05-5505 Defendant PRAECIPE TO ENTER APPEARANCE To The Prothonotary: Please enter my appearance as attorney for TROY A. ECKENRODE, Defendant in the above captioned matter. Date: November 2. S"";' 2005 ~r:6#4, DOUGLAS C. LOVELACE, JR., Esquire Attorney for Defendant ~( ';; ~~ '..:::'> -n ~;:'~ --;' c:,~.. ;:-..'.'.. ~.c.:.: ..,._., ',> ) ..,., '(;:':) f / ", - / / ~.. . >) ::,':i ./ c" '_il ~-.! .-<. '" e_' C) "(1 . -~I _,:...l ;,"1 "~.' l r,,) C::J .-._, uJ Douglas C. Lovelace, Jr., Esquire Attorney Identification Number: 83889 36 Donegal Drive Carlisle, PAl 70 13 (71 7) 385-1866 GREEN TREE CONSUMER DISCOUNT COMPANY IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff v. CIVIL ACTION - IN LAW TROY A. ECKENRODE : NO. 05-5505 Defendant NOTICE YOU ARE HEREBY NOTIFIED that the New Matter set forth herein contains averments against you to which you are required to respond within twenty (20) days after service thereof. Failure by you to do so may constitute an admission. Lk'f: &4r DOUGLAS C. LOVELACE, JR., Esquire Attorney for Defendant ~ Dated: November~, 2005 Douglas C. Lovelace, Jr., Esquire Attorney Identification Number: 83889 36 Donegal Drive Carlisle, P A 17013 (717) 385-1866 GREEN TREE CONSUMER DISCOUNT COMPANY : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, : PENNSYLVANIA Plaintiff v. CIVIL ACTION - IN LAW TROY A. ECKENRODE : NO. 05-5505 Defendant DEFENDANT'S ANSWER TO PLAINTIFF'S COMPLAINT IN REPLEVIN AND NEW MATTER AND NOW, November 25, 2005, Defendant Troy A. Eckenrode, by his attorney, Douglas C. Lovelace, Jr., files this Answer to Plaintiffs Complaint in Replevin and New Matter and avers as follows: ANSWER 1. Admitted. 2. Admitted. 3. Admitted. 4. Admitted. 5. Denied. After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth of this averment and proof thereof is demanded, if relevant. 6. Admitted in part and denied in part. Defendant admits the Security Agreement was assigned to Green Tree Consumer Discount Company. However, after reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth of the remainder of this averment and proof thereof is demanded, if relevant. 7. Admitted. 8. Denied. After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth of this averment and proof thereof is demanded, if relevant. 9. Denied. After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth of this averment and proof thereof is demanded, if relevant. By way offurther answer, Defendant denies that the Plaintiffs claimed predecessor in interest perfected a security interest on the Certificate of Title for Vehicle that Plaintiff includes as Exhibit "B" of Plaintiffs Complaint. 10. Denied. Defendant avers that the approximate retail value of the Manufactured Home substantially exceeds $19,000.00. 11. Admitted in part and denied in part. Defendant admits to having received a NOTICE OF DEF AUL T AND RIGHT TO CURE DEF AUL T from Plaintiff. However, by way of further answer, Defendant avers that he cured the default, in accordance with the terms of the NOTICE, and continued with the contract, as though he did not default, in accordance with the terms of the NOTICE. By way of further answer, Defendant, after reasonable investigation, is without knowledge or information sufficient to form a belief as to whether he owed Plaintiff the amount of $580.10 as of October, 10, 2005, and demands strict proof of same, if relevant. 2 12. Denied. As of October 10,2005, Plaintiff had not requested that Defendant surrender possession of the Manufactured Home and Defendant justly retained possession. Furthermore, as of October 10,2005, Plaintiff had not demanded acceleration of payment of the unpaid balance on the Manufactured Home. To the contrary, on September 28, 2005, Plaintiff issued Defendant a NOTICE OF DEF AUL T AND RIGHT TO CURE DEF AUL T, allowing Defendant until October 28, 2005 to cure by paying a specified amount. A copy of said NOTICE is attached hereto as Exhibit "A." By way of further answer, Defendant cured the alleged default in accordance with the terms ofthe NOTICE on October 27,2005 and, as provided for by the terms of the NOTICE, continued with the contract as though he did not default. 13. Denied. Plaintiff has not demanded that Defendant surrender possession of the Manufactured Home. By way of further answer, Defendant justly retains possession of the Manufactured Home. 14. Admitted in part and denied in part. Defendant denies that Plaintiff issued the Defendant a "Notice of Default;" however, Defendant admits that Plaintiff issued Defendant a NOTICE OF DEFAULT AND RIGHT TO CURE DEFAULT. By way of further answer, Defendant avers that he exercised his right to cure in accordance with the terms of said NOTICE and specifically denies any explicit or implicit claim by Plaintiff that the NOTICE provides any grounds for Plaintiff's Complaint in Replevin. 15. Denied. Plaintiff's averment is a conclusion oflaw to which no responsive pleading is required under the Pennsylvania Rules of Civil Procedure, and the same is therefore denied. In the event and to the extent that the Plaintiff's averment is not considered a conclusion oflaw, Defendant specifically denies Plaintiff is entitled to possession of the Manufactured Home. 3 16. Denied. Plaintiffs averment is a conclusion oflaw to which no responsive pleading is required under the Pennsylvania Rules of Civil Procedure and the same is therefore denied. In the event and to the extent that the Plaintiffs averment is not considered a conclusion oflaw, Defendant specifically denies Plaintiff is entitled to attorney fees. WHEREFORE, Defendant respectfully requests this Honorable Court enter judgment in Defendant's favor and dismiss Plaintiffs Complaint in Replevin. NEW MATTER 17. Defendant incorporates herein by reference the averments contained in paragraphs I tlrrough 16, inclusive, of Defendant's Answer to Plaintiffs Complaint in Replevin and New Matter, as fully as though the same were set forth herein at length. 18. Defendant cured the NOTICE OF DEF AUL T AND RIGHT TO CURE DEF AUL T attached as Exhibit "c" to Plaintiffs Complaint in Replevin by paying money owed in accordance with the terms said NOTICE. Therefore, as of October 10,2005, Defendant was continuing with the contract as provided for by the express terms of the NOTICE OF DEFAULT AND RIGHT TO CURE DEF AUL T attached as Exhibit "c" to Plaintiffs Complaint in Replevin. 19. On or about September 28, 2005, Plaintiff issued Defendant a second NOTICE OF DEFAULT AND RIGHT TO CURE DEFAULT, a copy of which is attached hereto as Exhibit '''A.'' 20. Defendant exercised his right to cure the second NOTICE OF DEFAULT AND RIGHT TO CURE DEFAULT, in accordance with the express terms of said NOTICE, on October 27,2005. 4 21. Defendant has cured any and all defaults on the Manufactured Home Retail Installment Contract and Security Agreement which are relevant to any security interest Plaintiff may have, and Defendant is continuing with the contract as ifhe did not default, as the explicit terms of the NOTICE OF DEF AUL T AND RIGHT TO CURE DEFAULT issued by the Plaintiff so provides. 22. Defendant is not in default of the Manufactured Home Retail Installment Contract and Security Agreement and continues to perform as required under the terms of such agreement. 23. Plaintiff fails to state a cause of action for replevin of the Manufactured home or the value of such, nor for attorney fees or costs. WHEREFORE, Defendant respectfully requests this Honorable Court enter judgment in Defendant's favor and dismiss Plaintiff's Complaint in Replevin. ~r: {fJr:Ylr Douglas C. Lovelace, Jr., Esquire Attorney for Defendant Attorney Identification Number: 83889 36 Donegal Drive Carlisle, PA 17013 (717)385-1866 5 ROCKDALE RDAL, AZ, AR, CT, DE, DC, FL, GA, lA (LH PMM), 10, IL, IN, KY, LA, MA (LH), MD, ME (LH First Liens), MI, MN, MO (LH First Liens), MS, MT, NE, NY, NIl, NJ (I-TO), NM, NY, NC, NO, OH, OK, OR, PA (HO), RI, SD, TN, TX (HO), UT, YT, VA, W A, WI (LII First Lieus), WY (LH), WY NOTICE OF DEFAULT AND RIGHT TO CURE DEFAULT Date of Notice: 9/28/05 CERTIFIED MAIL RECEIPT NO. TROY ECKENRODE 313 WALNUT DALE KV SHIl'PENSBURG, PA InS7 GREEN TREE CONSUMER DISCOUNT CO. 10S BRADFORD ROAD SUITE 2011- ,,\'i.I,,'~.FOlln, l~A 1:,090 1-800-245-1340 ACC\j~;:1tNo: 73323585 CREDFOR: GREEN TREE CONSUMER OIS.CO. Credit Transaction: MANUFACTURED HOME ACCOUNT Y Oil are now in default on this credit transaction. You have the right to correct this default within 30 days from the postmarked date of this Notice. If you correct the default, YOtl may continue with the contract as thought you did not default. Your default consists of 31>aymenls (plus o.on in rets ""'\ charges) totaling $870.41 Cure of default: Within 30 days from the postmarked dale of this Notice, you may cure your default by paying $870.41 Which consists ofi870.41 for past due pavmeuts and .00 for late charees or bv doine the followine: N/A Creditors rights: If you do not correct YOllr default in the time allowed, the creditor may exercise its rights against you under the law by taking legal action to repossess or forceln:);.':; 01! its collateral. If vou fail to cure the total amount of your default wLtb.i[l the cure ncrtoel described above. then as of 30 days from the rmstma,rk of this Notice, the maturity of this contract is._<l.!,llomaticallv accelerated and full oayment of the contract in the ~~;nm~.. ~,f $ZOOZl;;39-.sti:ti:l\:'jC due'u(~.J(Ji.lY'\\J\\~ '.'6'\:1':.~,-i.._~j!..!.:~Jtii'l.hci.' 'l'll/{j..A. frut'rI lhc'Ltcdii'0J. Aclui(iunaicx~Cll~C~. iIJLtle~l <.tIll! fharges accrued after the date of this notice shalt also lLt; due Hlld navable. If you have questions, write Green Tree Consumer Di.secll.lllt Co, at the above address or call the number provided. If this default was caused by your failure to make a payment of payments, and you want to pay by mail, send a cashier's cheek or money order. Do not send cash. Other payment arrangements may be made by contacting Green Tree Consumer Dis.Co, EXHIDIT A VERIFICATION Troy A. Eckenrode hereby states that he is the Defendant in this action and that the statements of fact made in the foregoing Defendant's Answer to Plaintiffs Complaint in Replevin and New Matter are true and correct to the best of his personal knowledge, information, and belief. The undersigned understands that the statements herein are made subject to the penalties of 18 Pa. C.S.A. ~ 4904 relating to unsworn falsification to authorities. Date: November J r-,2005 0j /j "-- ray A. Eckenrode CERTIFICATE OF SERVICE I, Douglas C. Lovelace, Jr., attorney for Defendant, Troy A. Eckenrode, hereby certify - that on November ~, 2005, I served a true and correct copy of the foregoing Defendant's Answer to Plaintiff's Complaint in Replevin and New Matter upon the following below named individual by depositing the same in the United States mail, first class, postage prepaid, at Carlisle, Cumberland County, Pennsylvania. SERVED UPON: Chad R Callahan, Esquire Voelker & Associates, p, C. 429 Forbes Avenue Suite 1410, Allegheny Building Pittsburg, Pennsylvania 15219 Attorneys for Plaintiff ~t: -aAr Douglas C. Lovelace, Jr., Esquire Attorney Identification Number: 83889 36 Donegal Drive Carlisle, PA 17013 (717)385-1866 C) ~..; ~-.. r {' .', ~-_., 'y... fi':-r' .-:~,: J.,..... . :::;~, .,.~), Cl -' L,^: (.j., :I~:; .< () ,', -0 :'.:J \,',C, \,-,", ,~,.., ........, .c \.;:' ., ..<. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Green Tree Conswner Discount Company, CIVIL DIVISION Plaintiff, No. 2005 05505 P v. TYPE OF PLEADING: Praecipe to Discontinue Troy ^. Eckenrode, Defendant. FILED ON BEHALF OF PLAINTIFF: Green Tree Consumer Discount Company COUNSEL OF RECORD: Edward F. Voelker, Jr. PA J.D. #55414 Chad R. Callahan PA J.D. #82058 Gregory W. Bevington PA J.D. #92143 Voelker & Associates, P.c. Firm #332 Suite 1410, Allegheny Building 429 Forbes Avenue Pittsburgh, PA 15219-1604 (412) 765-0543 . IN THE COURT OF COMMON PLEAS OF CUMBERLAND COlThITY, PENNSYLVANIA (ircen Tree Consumer Discount Company, CIVIL DIVISION Plaintiff: No.2005 05505 P v, Troy A. Eckenrode. Defendant. Praecipe to Discontinue To the Prothonotary Kindly discontinue the above matter, without prejudice. C ad R. Callahan Suite 1410, Allegheny Building 429 Forbes Avenue Pittsburgh, PA 15219-1604 (412) 765-0543 . CERTIFICATE OF SERVICE The undersigned hereby certifies that a true and correct copy of the attached was served upon the following by First Class United States Mail, postage prepaid, this 29 day of J (}J(,'Y\ h c/ 2005, at the following addressees): Doug Lovelace 36 Donegal Drive Carlisle, PA 17013 VOELKER & ASSOCIATES, P.C. //j By: Cd U' Chad R. Callahan t~' , ", (,~.} ,. ;'~ c) -" --~ ~'I:: iT\ C-.,I , ,.~ (-) '";"1 -;, r<') - > c.) C'\ :J.J ,<