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Home My WebLink About06-1811 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CACV OF COlORADO vs. No. O~ - Ifl/ CiuL~8<-~ COMPLAINT IN CIVIL ACTION PlaintitT LEWlS BAKER AND SUSAN BAKER Defendants FILED ON BEHALF OF Plaintitf COUNSEL OF RECORD OF THIS PARTY: William T, Molczan, Esquire PA I.D, #47437 WELTMAN, WEINBERG & REIS CO., L.P,A, 2718 Koppers Building 436 Seventh A venue Pittsburgh, P A 15219 (412) 434-7955 WWR#04564924 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY. PENNSYLVANIA CIVIL DIVISION CACV OF COLORADO Plaintiff vs. Civil Action No. 0 ~ - I cPt/ Ciu~{Y~ LEWIS BAKER AND SUSAN BAKER Defendants COMPLAINT IN CIVIL ACTION AND 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 an attorney and filing in writing with the court your defenses or objections to the claims set j{)rth 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 HA VI' A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP LA WYER REFERRAL SERVICE C1JMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, P A 17013 (717) 249-3166 COMPLAINT I. Plaintiff is a corporation having offices in 370 17TH ST"SUITE 5000 DENVER, CO 80202-5622 . 2. Defendants are adult individuals residing at 414 S HIGH ST MECHANICSBURG.P A 17055 . 3. On or about NOVEMBER 1,2005, Defendants duly executed a PA MOTOR VEHICLE INSTALLMENT SALE CONTRACT (hereinafter the "Contract") in favor ofCACV OF CO,LORADO, a true and correct copy of said Contract is attached hereto, marked as Exhibit "1" and made a part hereof 4. Pursuant to said Contract, Defendants took posscssion of thc vehicle more particularly identified in the Contract as a 98 VOLKSWAGEN GOLF. 5. Pursuant to the terms and conditions providcd by thc Contract. thc Contract was assigned (i'om C ACV OF CO.LORADO to Plaintiff. 6. PlaintitT avers that Defcndants is in default of the Contract by having not made paymcnt to Plaintiff as promised, thereby rendering the entire balance immediately due and payable, 7. Plaintiff avers that a balance of $4412.42 is due from Defendants as of DECEMBER 9. 2005, 8. Plaintiff avers that the Contract between the parties provides that Plaintiff is entitled to interest at the rate of 1.75% per annum. 9. Plaintiff avers that the Contract between the parties provides that Defendants will pay Plaintiffs reasonable attorneys' fees. 10. Plaintiff avers that such attorneys' fees amount to $500.00. II, Although repeatedly requested to do so by Plaintjj]~ Defendants have willfully failed and/or rejused to pay the principal balance, attorneys' fees, interest, or any part thereof to Plaintiff. WHEREFORE, Plaintiff demands judgment against Detendants, LEWIS BAKER AND SUSAN BAKER, jointly and severally, in the amount 01'$4412.42 with continuing interest thereon at the Contract rate of 1.75% per annum from DATE OF JUDGMENT, plus attorneys' tees 01'$500,00 and costs. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. WELTMAN, WEINBERG & RE1S, CO., L.P,A. Wilham T. Molczan, Esqu' PA J.D. #47437 WELTMAN, WEINBERG & REIS CO.. L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, P A 15219 (412) 434-7955 WWR#:04564924 ~' 'rIFe F\..t.IDI"-G .... - .... Fax: 8004146673 ,". May 242001 21:49 P,Ol i. ;t .j " - , Household AufDmollva , :. .t; , ~~~~ O~ ' EXHIBIT~tfo...e" __ to. /) . 1 ~ - f " ' Thls Assignment Is attaohed to aI1,II e!<IJressly made a part of that certain Mo1or VehIcle RetaJl rns!eJlment Contract (!he 'Contract") deled If -,-tt.. 0 I by and between: Seller (Dealership): ~~I,<<.I> tI1, i Buyer(a): L-t\N\ \ (!, ~ 14..... SoJ \,4.' ~l::..u . AssIgnment Agreement It Is IlCpl'8SIly underslllod and agreed IIlat Ho~ehol~ Automotfve FInance Corpora1lon (HAFC) Ie eub8llluted eaoh and tNsry time where the, name CrfTrS F appears within the Contract . Fat velue received, Seller hereby expressly eene, assIgns and trens1era all of 6eller'8 rfght, title and Interest In the Contratt,ln an I1'IOilles due and 10 become due thereunder, and In and to the vehicle and o1her propetl,y snd eecurlty lnteresta de8cl1bed therein, 10 HAA; aridtor /Is BUCCessari, assigns, subsldlar188 ani! affinetes. All representations, warranII8a,lndemnJflcallona.l/uerantlee alld hold harmleea provisions made by Sener In the Conlrect.and all olller terin. of the eselgnment conllllned therein, 1/1 hereby made In faVor or HAFC. This A8e1gnment epeclfically Includes, but Is not Umlted 10, all rIght, tills &lid Interest of Seller in any Insurance pollcles and o1her prodllCts (and the Proceeds thereof) Purct'l8eed; snmed or obtained by seld Buyer(e) under the terma of the CoIllrlct. thIs AssIgnment e~1ly Includes aD r1ght, title ancl1n!8reat of Seller In 8n(llo the veIllcle, any property, conatelll Gr eacurit)' Intereat dsrlbedor prilV1tled for In the Contract. NatwlthatandJnglll\ylh!ng III the contrary contained In the Contract. th/e Aaslllnman1. upon execution by Sener, ahaR wIgn Sellers lights In the Contract to HAFCllld nollO any uelgnte(s) named In the Contract. Thle AslIIlInment aIlarl not be deemed to IlIneve Seller trQm any llabUtty !of tile breach of any warrentlee, repreaentaaans or agreemenll con1alned lIereln or In the ConlrBct or III the Masler Dealer Agreement between HAFe and Deafer. Saner.Dealel'8hlp ~eaae P~~:Jv-+o h4:'" >' +h, 7 ' Selin Agent (pleue pr~: , :$ '>-f )r 5 "" I~ Agent'. SIgnature: ~--2 .1 TllIeorAgent: 5~:./ _-r;;"" /I'1Q/ Da.1e of Aselgnment: ,~~ I ~ . 2' - r ~:."';"'::''':.....~ ,"- ~" .,- fORM PAS13SL~17IR,," <101) INTEREST BEARING PENNSYLVANIA MOTOA VEHICLE INSTALLMENT SAU CONTRACT, D.., 01 Account' 05 NOU ANNUAL" PERCENTAGE RATE The cost of your credit as a yearly rate: Amount Financed The alTlllUnt of credit provided toYOIloronynurbehal,. Total of Payments TIIe.mounf.yolJ will have pilid after you hnemadeaRscfJeduledpayments. Total Sale Price" The tatalcostot your purchase on credit, inchidineyour oownpaymlM fiNANCE CHARGE The dollar.mount the cieditwiUcostyoll, ofS CHMIIIlMI!I 17.~ $ 6312.<!S 12~52 1 875~. 80 1965~.80 I I Your I'ayment StI1edule will be: Na. If P AlltGrmlolP. I I WllenP,yJlltllbAr.Du. MOIIlhly,be .nnin t~.curitJ: You iTe eivini I security interest in the molor vehicle beini "'V~rchBsed, Prepa)'tllent H you pay otl early,you will not have 10 pay a penallY. Fllinl Fill: , Lit, Chirp: If a payment is I.te, you will be char~ 2% of the portion ollhe Pa~enl which is ~te lor each month, or part oil month erealer than 10 tlays, that it remains unpaid. S!! below and any otber Contrlct documents lor any Idditionalinlormation about nonpaymelll. default, anYr!a.uired repayment in tuft before the scheduled date and prepayment relundsand penalties. e means estimale In this Contract, weare thSmflr. AllTOHAUS HARRISBURG ~150 CHAMBERS HIll "ROAD HARR1SBURG PA 17111 IF YOU 00 NOr MEEr YOUR CONTRACT OBLIGATIONS, YOU MAY lOSE THE MOTOR VEHICLE AND PROPERTY THAT .YOU BOUGHT WITH THIS CONTRACT, AND/OR MONEY ON DEPOSIT WITH THE ASSIGNEE. IhisCormctis between Seller and Buyer. AI dtscIosuteshm been made bySeler.Seffer inh!llfstlassi&nthis ConVJttlotheAssilnee. Ynuare IheSUUR(S). '.mtEWis BAKER ~1~-S HIGH ST'mHRNU:SllURG P.A 17055 SIJSllH BAKER ~H S HIGH ST HECHIlHICSBURG.PA 17055 lipCodt Namels) Address{esl Zip Codels) If there is I1lOre Ihan one Buyer, each promises. separately and IoB'lIler, \t Ply aU sums due us Uld 10 perform dllllreements in this CDntmt. Itemization of Amount Fjnanced Cash Price 12517.00 TIADE.'": 86 UOlKSWAG UAHAGllN I YOIl hare traded in tll.lollowihlve~icle: CasllDownpllyment YurandMab Description I N/A . Trade.ln If.a balanee is sliD owiRe on tile vehitie YOll have traded In, the Seller, wiD pay gq this amount on '~~ur behalf. You Wilrrlltt and represent to us Iblt "I' !rlde.in is lree lrom lien, clann, e/ll:umbrance or $!Curity intarest, ncept 1$ shown in tie "lIemizltion of Amount Financed" as Ihe Value 01 lrade.ln .UenPal'OfI." - . .. I . 900,00 " PROPERTY lNSURANCE: You ~ay choose tilt person through whom insurance is obtained apinst loss or'lIamall' to tbe Vehicle .nd alainst lien P.yoffto: N/O liability arfsine oulof use Ofownersltip of tlteVeI1k;It.In thiI~ntt,ct. roum pnxmsine10 mre lilt VebicJe and keep it insured. I N/A CREDIT INSURANCE IS NOT REQUIRED: Credit Ufe Insuranct and Credit Disability Insurance are not reQuired to cblain credit and will not Unpaid Cash Price Balance bt prDl'ided unless you sign beJow and qree 10 pay~. Idditional eost{s). YOllr insurance eertilicate or policy wMI tell you the MAXIMUM I 11617.1lI0 amountlllinsur.nceavallab'e.AlIinsurancepurthase~willbe.lorlhetermllftllecredil To Credit Insurance Company BysilninK.youseletlSingle:Creditlffe A W1lalis ywr BysigninB,You selectSinj!le Credit Diubility Whalis YCllr ;; I N/A Insurance,wllichcastsS . NI age1~Yl!lr5 l~urance,wllithcosts$ 'Ief_YellS " To Public Ollici!1s for: N/A 0 :;; license,T!gs !nd Rellistralion . Signature:ofBuyer.lobeinsure<:lltlrSingleCreditOisabililylnsurance. ~ I 6ll.5l'l Silln.luteol Bllyer to be insllred tor Single Credlt lile lnsur!nce . . Bysirmlll.yaulwth.se)e(:t.h>inl By siinini, you bolll selecl Joinl Credit N-I11lt Pe,cellla&e ~ lien Fe~ 5.00 N/A Whati~ I Creditlila !nsurance, which coslSS youta~? Of=abilily Insurance, which costs $ 1ces1'tobe Insurtd ;! 10 I. I. -' c I 55,1lI0 - ~ To 0 , 2. __" . I ~-~" ."- SlllllturesolbothBuyerstObeinsurec:flDrJllintCl'l!ditUIe~ Sll!lI!wres of ootll &lyers ID be insured for JointCredil OisabOlty Ins, . "11 10 s b~t.VC I )Jlchetked,lhecosloflheinsuranceselforthabO'llliseslimaltd.Y,ouwiUnotbenotifiedIf any Idjuslmenlin Ihe cost III the insuraJll:e It the tima S I your insurance pofieVissenffo you, ~ 10 N/A Insurer: I VEHICLE: You hne agreed 10 purthase, under t~e-tenns crt tllis Cdntract, the foRowinemolllr ~thic!eaoo;1$ exlll !Qi!jpmtn~ wnith is C.Alled Amoult Fin.nee~2442. 52 the"Vehicle"inlhisContract I liLll l'wwiMllJ >oIW .iMl~ Jjo.j;Jl. IrillIooCwW """- Finane,Charlle USED 98 uaJ<SWAG OOLF CPE ~ 3VWDAB1K9UI iC...J5 I I 6312,28 Total 0' Payments (Time Ballneel Equipped _A..T._P.8. ..:..-AtHMSlereo _5Spd~ Other " I .4..... "" with .~ P,W. AM-fM-Tapt. ViflylTop Pay..,ntSchedul,.Yollllreet'Pa, ASSIGNEE:.We.infend-to'assign-1hls.Contract-and'Securlty.Agrumel'lt:ta.tltewAnignee'lllmal1ri(l'!his.prDrisiDJI. )f'Ih!.As$iJIlei.~ns'!h.e- '1;U;-ItJ;~frJJllflFr,ilPiusinlerest in ContraeltoasubseQuenlaSSilnl!!,lhelerm.lstlre1erstosuchsubseQutntassignee.Afte,theassianmenlallriehls..nd benefilsolthe Seller inlhisContracllnd inlhe Securily A!reemenl shall belon&lo and be enforceable b ythe.Mslllnee. The Assilnee's rIIme and address is: 312.58 M&T CREDIT CORPORATION, Inst.llmenll..n Operations JliymenlJol$ One Fountain Plan. P.O. Bax 4005 eath, ind']12~_aymenl 01 Buffalo, New York 14240 I 05.llE'IJsl Co-SIGNtll.: Any ptlrstln silninll the Co-Sie:net"s Aareernenl below' promises separately.nd tollether with an Co-Silltll!r(sl and Buyerlsl, to pay p.,mell\Mlbec!ueDn all sums due and to perftmn all agreements in this Contract Co-Silll.r will not b..n OWner of tilt Vehltlt. ,lnd.lhenpaymenIS CO-OWNER: Any person silninl the Co-OWner's Security Arrumern helm\> rives Ut I ucunty ;meT'.$! in lbe ~!'hitle .nd altees separ.tely and win be due on that s.me day 01 each montt !ogel~r wltha!l Co-O~ner(sJ and Buyer!sl, to perfDrm all Ilreemenls in the Security Agreementud an oth.r puis 01 this C~nlract ucept the 10Uowi!l&, PromIse to Pa(section. TtRMS: rhe termr soown il'l the boxh abel'!' m part "' tms Contncl; PROMISE TO PAY: You alrH to pay us IlIe Total Sale p,ice for Ihe V.hicle by f'Raking the SECURITY AGREEMENT- To see~re the paymenl of all sums due and the performulce 011 Total Downplyment and payinl LIS 1!'Ie AmDunl financed plus Finall(:e ell.rilB. You Pl'9mise to IIquned oblrpt.ons under thIS Contract, yOIl gIve I secunty Intereslm the Velllele, In I make,payTllents In accordince with Ille Payment Scltedule. YOIt prlJmise l& mike payments parts fealltd Iccesslons"latIJehed to the Vehicle at any Ialer tIme, and 1R Iny proceeds on or before tile same day of each monlh as lIle first paymenl due dale. You agree to PlY all lhe ~ehlCle, IlIcludUlllRsur.nce proceetfs, The ksillnee mlY se(-off .ny .mounts dlJe ar oIh .~ h' h be d d th Ii of th' "--~ct Y ... III unpaid under 11115 Contr.claUlnsl any Dl your money on depoSit wlfh Asslinee. Th . er .moun~ w Ie may e.ome ue un er e rms IS ........... ou, Igree lU pay I' IRCludes .ny money whICh Is now or may In the luture be deposited with Assignee by yo Stff.er or ~fRee com"of suit YD~ .!sa 'Vee l.o ply 1'l!nt)~bIt ~ttOllllp fees iI Seller or. A~lellU may dD this w~lwu! m~ 1J1I[lf lIOJiu to IIDU. ~Igfle~ hltes an .~rney ID tolled amounts due under IIlIS Contract or to pl"otect or-lei ADDITIONAL TERMS AND CDNDlTlONS: THIS CONTRACT CONTINUES ON THE REVEre . possesslon.ollhe Velucle. YOIl11lrtt to make p.ymenb:.1 the place or to send payments to SIDE. YOU ARE OBLIGATED TO ALL THE TERMS or THE CONTRACT WHICH APPEAR ON if tile address ItIl!h:h lhe Assi,Jlu /00$1 recently specifies in the writl!n notite to you. FRONT AND REVERSE SlOES. . By signing below, we a!l:ree III selllhe Vehicle to you under (he terms oIlhis Conlract NOTICE TO BUYER-DO NOT SIGN THIS CONTRACT IN BLANK. YOU ARI ENTITLE~ TO AN EXACT COPY DF THE CONTRACT YOU SIGN" KEEP IT T( ~~I~o,U~~~~~~r)'f--' " _(SEAt) .--1.1i.8 ,;',f-'.'t;:"'-'C: . ";;~ i;:-. I~,~jo~tl nRMSANJ)COltDITlQMS , , ",.. l;~~iTl.otsome words, In Ihis conlrac~~u~ a,~I1"your" mun anyone signing thi_s 17. Se(l/kc C!H'1Btts.ln '~rn:nI1~atyou-'a.re ellli!led 10 make anr Clal"1:1.I1t4e(-any;s.erv~e cO~c.l,bther,;J!1atCtht glletr Wtl~~,f ,!~ a b~ytl. ttI:~_tDer O(~_o:ow,n-er, .(b),lM& T Credlt_ co~lrachpP.l!~~le to loqr propertYd'!U will 11Jjl!1~~.J.'Ul~i!YJl~ \l1..l*!..iR~aTl6 file a claim eo-rporallon" meatis"lUrtrNIIf COrptlra'tiofl, Olle FBflnlllln Pleza; S'uHalo, New lork l4203, Icl wllh 1he servICe company. We may file slicn a flalm on,yolir~eliatj;il=1ou..faIJ Of, refuse 10 aD, ~we." "0J'i.," "tilt" ano"olm" ini\lally meanlhe seller bll~ after tht seDer trinsfeis its rights so. We mayendorstyour name tolAY I:hWi, orJtl or o1her in:strument we receive in.paymenl.- uooerUJisconlraclwill melnanyone havingUu)tt rigtlts,and\dI":iDul Ploperty" lJIf!anslhe of any claim umler a sen-ice conlracl appricable 10 your propert~ or lot re(l,Inl\'ollilll '\l~~i<;le'de~rlbt!d al the beginning 01_ this tOnt~ct, JlIcJuding all equipmen~ accessories, untamed cllali2 Dr plemlum. partS"Jnd lires tIlat aJ~ 01' beeomqnrt 01 it by betna: installed In Of affixed to it and all 18. Off.uft TheOCtllrrelUota~Y\lltht1ollowingeventsisadeflullundedhisc(mtract~al lIroteeds. .""': ':,~:. , any amollnt payilble undertliiscontraclorany'olhllr indet;tedne$slrnm'1Olltl>'ustlis'ling. VPurchne. Neryone signing this contractu a buyer ;s buyini fram the seller and 1IG'IIll4" ttlming into uislence in tht lUIure is not paid by!jhe dale it be<:omes due; eVerj ackrwwledlles deti:l5'I.in~, ~diti[jn, after examination~wd ,~r;.c~ptalJl:e of the vehicle lhCl,lgh~ Iale~arge wouJd l\l1t be,\mP!lS*-\IIIUI \ale'. jb) yoll~!(iOlate.any proviSion of thi~. de,scribed at !he liegmnffi~ Dr-thls conlract and has thoseir'"tii bUy it tI't 'credit lather than cofitraclorOlinyother agreemenfwithus~exiStlng now or comin(ip!tI IXltteoct inthef\lhl~ .hIlYinl i1. tDLCllsh by paying lhe tasi! price ~ncluding services. service conl"cts and safes (el any d. tfallll DCtlIrs for purposes 01 a.01 otlier Jgreemenl bltweeo roll. .l)d~us e. xisting now hies) sholfn in the -Itemila\illn of AmGlmt financed," or comiIlg inlo existence in Ihe future, (dJ yGudit 01' becllme intompetent,Of insolve!1t I.e) any ee,raent Any other allreement!sucll as a ~UfCllaSl mw, 'llallanty cr service proceed!llllllnder allY ba~trupley Jaw IS starled by 0( against ~OU, If) anyone staf!s"at!y le&!~ ~en yOIl and 1m! seHer concerning yoor properly is attached to and ma~a part ~.--::~"'\'~.e;.dlnV: to lJ~e yo\Ir ~ o-rany Olh~~J!.fDpa.~f ~longTrlg.lo 'you. Qo~.p(.'acqLJIred by' 'act This. cnolri-tt IS \fie final Jnd complele allreemenl between'you and lhe seller you III the future 10 pay any llIdebledness ex:ist(ng,MW'or tomI"i Into e:ttsleiic'e' in !he Mure; y(lur, pro~. an~ the creditt~nsaction~overed by ttlis Ctmtfact, "'11'1 sulement 00 lIn~ ux or other involunla.TY lien is filed:agaihst your property or Iny, other pfClllerty your propefl~,mide.by Ihe selrer or any employee of tile seier is /lOt a warranty beIOngll1i III Yi)U !\OW or acq~ by yotl m.;tm: liJIU~e, lh) YllUr. property IS lost, st~en or . ':/ld, g n.ol,part of this contracl Al!loll, allY staltmen\ cooceming the credit transaction made by de$trtlYfI! or sutlers subsllntlal damalle or. a sub~n!.ial dlldil\f. In vllU! III m~wedls:cove~ '_'~fhlulellet1!J anY,empfoyPe Dr the seller is not part of this conlract , that m1hts comract, any oU'er aireemenl wilh lIS ulsting now Dr commg In~ ellSlenu In the ~ .4:.":'D-i5Clal~r,o.f wa;nplles. Unl;ss the i.Uer llivu . Mmen w'arninty ccu,cemiAI you, lu!ure o,,'any app~~1io1l you have mad! III make 10 us for credil you made .nr false or, :'propertyor uiileu you and,thtulll'r tntnifiltl a written s.rvice contraCt cOile.mine }'oar mlSleadllli statemenl about an rmporlint maner. . ."property, the,-seller(a) mat}s no 'warratltt coftceminl_Y,gl/1" ptOputy:Of anY~(ltl'llr matb-t, 19, I.f ~e1ault occ~JS, II any default under this conliJd oj:cur$, we can, except tolhe extenl:' kt~HlI-lt1hnrro"~icl~fSErlbid'it tt:ie~beiinnine 0' tbis contract'is Ihat bein, prohibited by app~cabte law, tal otdart'_ a~ am,ounlspJYa,bJe,'under'thrs contract bul not'yel hOiilbl under this,c.onlract. 'dd (b:) sptciliully, makes NO WARRANlY"OF paid immediately due willlout rlotifYinaOIi.:(br.n~ililf!i9~Jo'i!l~~yOU! Pl"Illluty jo Il1, Ic} MERCHANTA81UlY COf4C,ERNJNG',YO.UR PROPERTY AND NO WARRnfY'1.HAT~VOUR~~,' ~(e~s yoU! PlOpert)',~y'p;eacetul:means:wilAAut'obllining-. !;9urt orderand'withoul '_~RO,RE~:r,( ISFllf,OR;P;'PA$TItUlARiP,URPOSE. .. .. '."..'. nmifying)"flu that we aregoiriE to dOSo~aM l'Ji u;e;ast'irry ritfu jiven lIS by appJjc'blelalll'~ 5...0bl~i~ful:~n;~r~ritt.YoUS:i1i obtain .~l. insurance !tlpliTtd :or us iMll.' nn~li~Q}!i1~ml t'?~3..f. ~,"J~t.~ttI.b-.I~~Q'OP!!Y.jl'l~jateI11u'rJq~~~ee4J~,~~a~1I\s Piya'ble tln6er yow:.pfPPtrtj':trtl!i'l-"orlhroPifi the-pei's\)il of }'(lUt choIce. but.1 must btr~Md'l:iy a'tbis-CIlrl1nctf\iu/nlll yet.paldrmlrnedlalefy"due we'd five lhesame1refund of lhe unearned !, t\Il1JblJ~tll us, W.-wlll:be reuonable In dec:idilll whtttii1"thl trISMc:,-,-! 1;Jl!lrtlon;ctttJe:fit'll"an:~rtt;U},l.nll!Jld,l\ave INen:llad_$'t!118mOu!Jb been prepaid on the Tcetiitib1e.,'pl us. . , ~ale we declared,them immedi.1lr/y dlle when: (al such .moullls are lAid at (h\ "'" ~in a ,lc)er~Jf~'~rv;hicJe--jsAAt !Ii..lllot~rcyde .~d is described It tht belllminl tlt ludgmenlafte1" sume\o retover sucb amounts. , . u ned, ~ tollclwl_~g:~oti~...pphes to t/tIS contract, 21. If ~ repossluyour pfl)lJtl'tJ.I,1 we le~ your property, we wrU se~ it IInlllSS you li:1tJati.lin...%.ui~Kftht WintlMriorm for this vehkl. is part of ,lhis (ontract. rf!feem II before we se.N Illf PIl~m't~!1 by appllCibl~ law. yoo mud ~y .us tile a~.l,ual, .4nformati_~4.OW form ClY,erddes any COlilflr)' p~U.iollS in tht tOlltnd. of sale. I\Kts$~f.y I.M reason~ble expenses Incurred boY us In, repcsses~nJ, slo~lIlg. repalrlllg; , '~.,,' I ,.--,,'. .~. tr ~A' reCOlllfllrODln( or seJhnlt ~ol.lr pr~ptrty. We vtllllurmsll you wllh a wntten noUce.:pf. :'1. ,\ .optdt nsurance, fn .connec:lion !riIh }',IS COIl acl \'Ou fIIay ~ requrred to hell YQ~t repossession Sl!hing forth rig~tft~at.'Yilll niijiiliiVe1tlitreinstitemetl.t of tllt: clltl\rat_t "I 'He "ptop,erty 1~1.Y.'CQ\ltrell-m!~."5'\1~~iIl.ns'l of damai!, destr~tion or t~efl If ~ll obtarn a,rllt to such ttins'li\ement and 10 red~m,lion f "" ,to"".... Al least 15 da";' befOre t~e " erl)'iMllranct'mroLlllhlhesellerorM&TCrtditCorpontion,ltWlllcoslthe '., .0_,. ..~'.,~ ,'~,. , the- "ltemilation of Amounl Ffflanced. " you do not oblam it through lhe dale "!II,.sell yo~r property. we will send ~u 'ootltt 01 \.he prDPDS~ sale. We Wilt apply the ..,.",,...--";;.'^~:.... ,~~~ 'lIh"', " Obi I ,., fII01leywerece!velromlheS8lellfyourpropertyasrrQulredbYlpplica,*law~~ty;ample, , wrpllr~""",us: Ul;pt'0Vl ""un er,polCyaccep e o US; you tlI tal imountsOtscnbellinthe.second senlence allhis sedion 'nd (bl olheramoullb us WIth proof o~ it acceptable to us. ", payable un~.e_r lhis cpntrad but' IIQt yet !laid), E.xi!pl tQ Ult enenl prohibiled b~, and subje~ 8: ute'C!ilir,ps.l!JCyportion or any Instal1m~nl 'Payable under !ius contra~ IS overdue lot to, appficabfe/aw,)'<Iu mUSt immed.ale1t pay us aU imourits payibleunder this eontract but' !h<<e \tIan'10Id~yeu mustJlar illite cN'le,oI2J. per .month on Ihe unpaid amounl ollhe not rei paid alter we. willy money'we receive Irom, the sale 01 )'<Iur, property. To. redeem your msl.1IJment SIlC~ a lal~~Mgl!tI11ay_pe Imposed,onII~[\f.t\lM lGruen lilt paymenL property before we stir it, you must pay,us (al all amouats t\eselibtd ihiUie:setlill!l !enlerJCe._ 9',S"ummalY"N,otice rlp.rib.., prepaY":fent a,~d relllstaternent. You have the right ttl plell1Y III t~,sectiOfl and lb) all oven/Ill! inslanmems, late c~rges, costs at;luafly infurred..bv .uslor, .this t.c.nl!ltt iif~tmI! 01 III j)2Irt 'ta~\lne WltbOUt penalty, If you prepay all amounts-payab,le advertislnll or for ,",n,nll tor the sale 01 yotlr property, attorneys' lees and -court cosls rthlS.fOntrict. r!,umay be enlitledto arefLlnd oj partGlttle Ilnanctthalgf!.llyou are In payable under lliis cofllrllCt ~ . . ". " ul\, y~a) ~ the rig.ht 10 reins1ate this conl~act or if your property has-~eetl. 22. Collection Costs. If we hire--.nlltoriley wlilds nota salaried employee of .ours tli'briflgl YOIJ .may .have tf:Ie rlgllt unq~ the law to recer~ back y.our property. These nghls lawsuit to coRed any anI<<\lM payablt under \his conlract but'no! yel Plid; )'<Iu must pay us . ~~ 'n~n21 o~lhlS Cll~lract . . . , reasonable attorneys' fee and an court costs we pay for the lawsuit. TI\! attllmeys' lee w~l be ~\). Adtl./l.bnif .n'_ormatlon, Yoll_Should re!er to the rest of thiS cenlnlct lor addltla~(_ l5%1ll tht !iTlK'unt payable under this ~ontracl unless a court sets a sm.lIer fee. , ~. "': mformation aooll.tnonPlY!'lt~~ dtl&jl\t; OUI n2J1t to declare aD amoun'!.~~able u~r thIS 23. Articles kU in ywr ~erty. If we repoSSe$S'yoirr properly and it cPn18ins any artid. in ..' ",1:o.nlrac..t.b."not ,Yt_fpaii'f.llllfnedl3.teJy due, prepaymenlrefuMs and Ilf;lIiffiU. yom nlllt 10 which we do not have.' security lnte/est YO' r onry claim vritI !:It fllr \he Itlum 011112. arlicl. , . "k'~meP.l'Dlthe conlract.Jnlhe eve~to' !eposseS;OIDn, . BuI YOll willx.se any ,.!aim 10 tJ:te erticle unles; fa) wilJlin.7 day! after ~Ile dale ~ repossess :c' ~Prep.ymentSif~OIJ p~pay ~lIistQn\l1c\ In lull, you wIn nol have to pay. penl~y 001 WlU )'<Iur property we receive a Mtltt seM by IeJisteretf ma~ \hat you c1atlfl the artiCle and_{b, ~!lefe_~b~ed to a refund ria part of the flJiance cha/ie. wilhin 15 days after l/le date we notify)'<lU 10 do so you pick tl\.e artitft lip dllri"i bUsiness-. '~~t;- Flqap:<IiJg.ftalemenls. Whenever and whererer we tli/nk ~.!tectssary, we can file,... t!oulS 1\ Ill! loca\iOll we speClly. tp,o._titladcilill ia~'mellJ..sjwed~nl1 by us ~ml de~cribiilll our securilfi~tesl in your_property. 24, Hotices Inl! cha.fIIt of addflSS. A.ny nobce we SInd you conceminl tbis conlract or your ~ y!~e~_!!!: n9.1!!Y,)'<Iu 10 0'0 -sif;%u mUs1lmm,edllllelv ~a~ us lilY tal, let Of dliJgt we pay lor property will be, senllo yvur currenl mailini address shawn in our Itclllds Cllnttiliml this I~llli the_ rWcJPata1eme,nt _ . tQ{\tr\tt We tan send i1. by rell\flar mail. Any notice you send Ilr deliver 10 us concerning IbIS 13. AddIl~l1Pfllltllses:Ul'\\iI_al\ ii'Ilfl1!nb: payabl! Ilnder tliis contracl are paid, you must (a) contract must be III wiitl/lll and be ttnl. or de~vmd to M&l Credit Corporabon, Installment" keep yllur prllperty in golld,c"llndifron, tbJ promptly ply .ny tll, lUll' cMlle on tile lIlan Operalions; One FouBtam f'lau, P.O. Box4005,Bullillo,NewYork142"Q ,00tllanYlltbtr. puJehase, olVnetliihip ~y'se,.ql;:.y"lIr Jftcperty, Icl si(1l any i1oc:umenll'le believe necessary to addtm we wec~. tl ~OUI addJ1:S!i or any .ddress where your property wi~ be teptchanges~ Jlrdlecfi:l\lrseeuliry hfleresf"rri)/Jur ~~rt)', Id) haVe Ollr Seclnity inleresl'm your property before at arTlOllnls payable under lhis contract. art Plld, YIIlI mllSl plllmplly notily us'in. ~howrt (lJl"fiIl c~rhtUlilte of title isstled for iL fe) aflow us III inspect your property at any lime, 'frTitini /Jfthe new address. <<t:iinm~_,,\!ly iIII\ily 1lS,!n v.:rilin~if your prope~is Iosl, stolen, damaged or'destroyed, U; If Z or Imm'!ltrsD"ni 'sip contract as bayr;, 'o-dlntr or eo,owRtf.lf 2 ormofl IE) not senl'\lrap.,e" ~a$l!, rent, give a~ay, ~!aml!ln Ill" IfI any oIhl!ll'l1Y 1I1Sj)Ost 01 ~our properly peTSOllS'5illn IbIS contract" a buyer, co.ggnel \If" Cll--OWneJ, all Of lhem will be, indIVIdually ~u1 lirt;t C'brarnrng our co~senl'n w~l\in.. (h) not use your PJtlpe~y, Dr ~now It ~(t be \I$ll<l, and Ioplher, liable under II. ~xcellllhat the co-owner will not be bound try the "Promise 1.9 ,Ueplly (tr ~ any way <<lid might lesuIt III affy l~urance /)/III noll1elni paid and /J) rlCIl aJfow Pay" -Section. &.cept tll \lie t"Xten\ reQuired by .ppOcable law, we can send 0( d~Jiver any any~~e otQ,~I~~YJl\l pr ,tIS to have any dall'fl.lo YOUf llftl~rt'llll to be 1lilmeil oil_any 'llOlicecllncerniliiltoanyoflliemsillningltasa bUyer.lnd UleMtiGtwiU be eff!clive fOl aD cert\1icaterillitleiSsUedlorlt Ill'tllem. J4. Ris.l.of.ltl.ts. 'feu w~\ be bound byJII~ contrad even if your properly Is lost, stolen, 2'. Guar2ntu. An~oM sii~ Ihi3 contncl as I co-signer, unCDnditionally euaranlees arfd ~a(hlg4tlt~__ ' ", ,_'" becomess'l1relyforlhePit:menlofaOamountspayableunderil.and"'la.bebOunilpyaDiIs !i4.s,Prdp'..1Iri1 i.,Jn'~!f!tionto.~?pinl~O~yciNTreaJb~lliemotofveh.iclt PIO'tisions. .~-. i,M:..--T If:~ iJP rr:r.... ~suran~e r,q~lr'l;d by sectllln 7.,~b'!._ml/st ~eep It fully covered by Insuran~e agamsl 27. Givilll ulJ of ri&\lts b)' ymI. To 1fTe exlenl permitted by ap~licable law, you give up any sullsta~UaI.n.sk 0/ d~.:.mi2e, des!ructi~.Of Ih'pft untiJ ak ilM'J!\ts piyable.undel Uns C!lnlr~ct rilht to reqlJire.th.t we la) demlnd Ihal you pay lIIY~mo\lO\ P!YIblt-underlhis cPntract 1Il1 all pald, ~.!tnQIIPlliiI'i~il~ lh,e preceding se~tence, you..rf\usl keep.1I lully.covered try T\O\llY"tOlI il any imount'lMyablt under lfijs contract ',is nol paid by the'date it becomes due or comQrehenSlVe a~ ColltS<<l~ msura t ... . IC~lIbtainla c.rtificale..statinllbat _any a~n\ piyalAe un(ler Ihis conlract was not ,paid by 1Il~,Ij.lilejt.~,!Iled.!te~. , " " _ _ ~ _." "':, ''\'""~~ ~t 2~, "0, no~tcl-Or,~~u",~frylb9' We c,an exercise any righl against any person o~:P~OP.E!rtjt' ..1'11 '.\.' ~ Wllhoul losing an,y rlfhtillalt\stYIIIl, ywI ~ or any otherpcoperty,beJongin'fo YOUIlOW '.,,_ .or:at:;'luir'~ lit: YOII in 1he fulure.. Tpthe extenl,permltted by appjiuh\e law,Wt ta~ nercist ust )lfliw!Otiis' lo.n Dr. tfi6 OKhtWltl\llil\ noilij-ing yOU except as pnwided in'Stttion'21, wil_~ respecllo polices ot di"\~:\ll JOI!!" Plr!y, you will immedialtly nolily us in writinl and lile a proof of loss with sale,rip6~ion lIn(1<ridemplKIll We~, dIl ally \If tilt tollowing Wil.llolllnolilyinr)'flu or IbelnsH'rance1compan1. losinr any ",lllitagainslj<Ou,YOIlT property or-Iny other property belon&:intlo.you now or tal Our Right to File Proof Of ,lofls: In tile event rJ any loss or damlte 10 lhe veflm, il YIlU acquired' by yllu w..tf\t Mllre:.la) attepl any check or other otdl!r Inlrlled "p_aid in:flrll" or fd Dr refuse 10 lile: a claim 01 proal of loss wlth the insurance company, you agree lhalllit wllh similar laqtuap u. paymenl under Ih;s'contractl lbl gin addi\ionilt1Imt'fonlle seD . :t 5HJ:1$ellue,nl fssiillee"O( allY lutMrile<le~IGyte III all} otJhem rwe1 lIaymenl of Inylamount'payable under IhiS'CDnlI1ct. re,artlIeSS_'Qf,the number pi Mles wi' .1~~~~"'lni'ili~,l~s~n~j:Om~y;.iri,1O~~~me and,~ctil}".a$ ~,:'(en~ p.rniDusly dId so ,nd re[lnf~,o{ the Ienatb Q1 i1rrt addilional1lme we prewlOiJsIy'a:ave, Icl 1i -'~l:lfed';.S1a:ihi;:.f~!r~lllil.~Yb~ llo-rio\'llave, lheriEh!,rCi lrlO' WIll nlll -,.c'IIVe-uP;lail to exercise Ofdelly exercising an)' riJh!~apinst Inyjt!fS(lII IIqiropelty,\ol'.lail tti ou tiavt'R.fveh us to fiTn,pr.oiif'ol'lDSS. You acree that we-may exw:~ \~ . prote&t a~y ~rest in arry pI'Opl!rtr,. whether by fai~ng 10 mainlll/l anyinwrahce, by railihg to and nolfOryp!lr berielJl~C!ptu provided illlliis contractlnd by law, fIInny fInanCIng statement by lilllnt to be named IlfI any.ce'tflCa\e-olIiUe'or in any olhe-r ~" :-Endorse,Jnsuram:e Chetks.,"YOU !if" tbal the se'1l.",..lIssignee, iny way, m-[e) clianp iny' PrO~fl of this contrad if ..nyon, sie-!1!ni tl1is conlr.iet as a _bu~tt, ,.Dr ,n authl1ri~_d, empll!yee'of.lny, of Itrem ,("we") may'endorse Y4UI" ~rred;. for ~>mp'l., M&l Cledit Cor,OOTation can sue you un/1er this ClIritr~ct wberber..ll'~IIO( iitffi.;'sw.o:ur,.lWll; t, lnY.~ec~(Ifi.'tifilther;MStrun1~m "'e1llceire iii payn\enl'iW it Ii) su~,anY51~e.~,~ 1bI ~ePbsses:sesand sens,your 17rope~y Qr reI uses "l'lY mwky thath.s all !n~uretf lossonf@lum~(l1 iI'l$UriliM'~lnlumt''YouaRrte thai yoll dIll\~rt\'vt the rigt,t 10 bttl\ Ill" IS depooi\ell with II by you or anyone else 10 pay any lmoulll pi)'ablie under'tliis and w,iU Mr-l"eVllkt 1M power you,haVf!_ g1VI!ri'u5 to ;na~e your endOrsement. YO_U,lgree: thai contract bill nol yel paid. . we rTliy exercise Ihis poWer for our bensfitil'\lf.oot lo.{ ynur btrletit, txtet3 as PrOvided fnthb 29. Chinles and:livinc up of riJhts by us. No chang! in l/us contract can be ma<le~lcep\ in.: CfIl)'Q:at1and.b)'l~w. '. ._' '.' . , ..._ , . writif\lsiKllell by I13,We tan co(te<:1 any abviollS erTOf in_our cllpyoflhis eonlracl. N<I ,ight. :_".I~W~lIf,fr.ocetds:I#e. may f,pp~ 1'!Yt insllTilnce prOceeds we rece.iveld'repa;r or repliee against you, your propertj or ani' other p{opefi}' beIGnzing 10 you now or acquired' by yo~ in IhNitJi!lir. ~Ijr .oiji[li~n;'1t IS econ~micafly feisi~ and yo'u are not~lI:e~ ~ d,I'IIu\I. of Uris !he Mure can be liven up by us except in a writing signed by us. ,_ CQnt~t Q PeT1llst, we WI~ apply Ihe.lnsurance proceeds III reduce !he ~np,ud Oafallce due 30. Claim fW tallllJ110 Gblalnlnsurance, If any amount is paid under this conlracllor.any t. us.;After~'t~lance,que us i~ p~id.~nY,e.xcessw~1 beIonrtpyou. msurance and lhe insurance is not obtained lGI" any fuson, YOIlI only claim wlV bi (or.. 1&;;9urma7ll!enlnel-llfinsul1nc,.Wf!Cln,butvrewlltnolhave.ta.mai(l$J,inanyinsliranee Ielundolthalamount ,~~~~ ,blltm. clll\\f'IItl in conoection wJlh ~OU~Jl\Ijy'.if<)'.Pul~f!!lI,:main~w II. Irwe 31. Contlicts. Uany pan -o1lhis conlracl ClInflicts with .pplicable law, the law will r.nnlmr _;R.r~~~~~"...anr~c~ insuraoeeir.may l1e wlltttn; iil'.t~41t1l\UIll.'\haltVll!Iif'rW!li,n,", '... .h" .~'- ~~......, ,~, ' . . You Ire Ihe8U'fER(S). SUSAN BAIlER 414 S H!GH ST t1EOlANICSBURG PA l7e55 This Contract is between Seller and 8uyer. AJf disdosurallave b!enmade by Se1ler. Seller irrterxlslll assign lhisConlJacl. lD the Assignee.. Nlme(sl ~drus(es) lip Code{s] II tIlere is mille Ihln one 8uyel. each premises, sepmlely .nd trlgetller, to pay aD sums due us lAd 10 perform all agreements In Ihls Coolract Itemization of Amount Financed CashPrice' 12517.00 I .CashDowllp1ymenl I N/A Tl'1d~ln Value 01 Trade.in $ 90e,ee UenPayotfto:N/O $ N/A Unpaid Cash prq Balance $ IIGI7,oo ToCreditlnsulanceCompany <; $ N/A .. To Public Oflicials for. . ~ Ucense, hgs and Registration ~ I 6B.50 ~ i lif!nFee $ 5.00 '" ~ To ~ I 55.00 . To 0 $ S To b-:ll~1IJC " $ '" To " N,.A I Amount Financet2442~ 52 $ . .. fin.nceChulI 1 I 6312.28 Totllot Payments {Time 8alanctJ $ 'A.,... AA Pa,menlSchdule-YOulcreetoplY. lousthe~rrilFiIl.l~cedPlusinlelestin- 312.58 paymenisol$ ucb, ud-311:!:~58IUymenl 01 I l/l5.1II!:Il>t plymenMI be due on ,1nd then paymenls wi~ be due on Ihat same day 01 each monlh fonowin~ IRADE-IN: You hm tradell in lhelDnawingwehicle: 86 IJm.J<.SWAG VANAGON Year.ndM.lb! Descriplion II a balance is StIli owinl on Ihe rehicle you have Iraded in, the Seller wllI'pay off Ihis amOunt on )'Our behan. You wamnt a~d, represent to us Ihlt Iny lrade-in IS free lrom lien, claim, encumbnnct o~ $2curily inleres~ excepl as shown in the -Itemizabon of Amo~nt FlRanced- IS the "lien Payofl." PROPERlY INSURANCE:' You inay choose Ihe person tlIrouSh whom insurance Is obtained againsllo$.S or dlmap to the Vehicle and alainst liabllltylrisingolllofuseorowntllhipoflheVehicle.ln1hisContrlCt,)'Oulrepromisinl to insure thl! Vehicle and keep it Insured. CREDIT INSURANCE IS NOT REQUIRED: Credit Life Insurlnct .nd Credit Disability Insurance are nol required to obtain credit and wi. not be provided unless you sicn below and alree to pay the additional costls}. Your Inmance certificate or policy will tell you the MAXIMUM lmoun(ol insunfJCe arailable. All insurance purchase<J witl be forthete rmolthecredil By signing. youseleclSingleCreditUfe Insurance,wIlich costs $ - NfA 'Whalis yoilr. 1geT_Years WhalisYOllr agel_Years By siinlnC,youselecl Sinlle Credit Disability Insurance,whlchcos1s$ N/A Signature 01 Buyer to be insured for Single Cre.dit,Lite Insurance SilDatureolBuyer.tobejllSu~forSineteCred~Oisabililylnsurance . Bysigninl,youbo(hseiecIJoinl CredilUlelnsurance,whichcom$ . By signing, you boIhseleclJoinlCredit DisabilitylllSUl1nce,whichoosts$ "Nan p.lI'ceniage "~III5t'lobe Insured --' NfA Whahre YOlllages! 1. 1. 2. _2. __" SignaturesolbothBll~rslobeinsured'orJuinICredilillelnSllnnce SilnaluresofbolhBuyerstobeinsuredlorJoinlCreditOistbililylns. I J II checked, Ihe test 0/ the insun,nee set forth abowe i! esIim.t8d. You win nol be nolified 01 .ny adjuslmelll: in tfle cosl of the insur.nce al Ihe Ii," your.insurancepoticylssenttoyou. . Insurer: YEHIClE:'{ouh.veagreed to purchase, under the lerms 01 this Conlr8ct, the lollowinS molorvehicle and its extrJeQl.lipmen~whicbisc.!Ied thl!.....ehicle.inthisCOn!ract /Wi Illil!!llMill l1Ii<> USED ~B UllLKSl/AG GOLF Jl2Jll.ll!lo CPE ~CtI. 4 !llI<i<.lonCwm lori1!JIJut1Io! 3UWDA8IH'.lW1125S5 Equipped _A.T._P.S. _AM-FMStereo . _5Spd. . Other with _A.C-_P.W. _AM-FMTape _Vin)'lTop ASSIGNEE:'We~in(e'nd-tO:-anign lhis'eoilffacnnd SecuiilO.veement tnlie 'Assignee. nimed:irrthiS1Jfoyi$iOit" irthe"'A!sllnee isSi(rfs thi ContracltoasubseQuenlassignee,.tbelermalsorelerslosuchsubsequentassilnee.Atterlheassignmen~allrightsandbenefitsoltheSener in this Contract and in the Security Arrl!llmenl shall belong to .1Id-be enforceable by Ib~ AssiKnee, Th~ Assilnee's,name and address is: M&T CREDIT CORPORATION, Installmenl Loan Operations One Fountain Plaza, P.O. Box 4005 Buffalo, New York 14240 CO-SIGNER: Any.person sillling the Co-Signer's Agreement below promises separalely and together with all Co-Signer{sl.nd Buyerlsj, 10 pay all sums due and to perform an .greements in this Contract. Co-Silllar will nol be an Owner of the Yehlcle. CO-OWNER: Any person s1lninr. the Co-Owner's Security Agreement belllw glres us. security interest in the Vehicle and'.grees separately and togett)er with all Co-Ownerfsl and Buyer{s),1o perform all"reemenl:sin theSecurlty Aareementand aJl other parts 0 fttwsContractexceptthe "Promise to Pay. section: . . TERMS: The terms sIlown in ~he boxes above are part 01 this Conine\. PRDMISE TO PAY: You 'alllte to pay us lhe Total Sale Price for the Vehicle by making the SECURITY AGREEMENT: To secure the payment of all sums due and the performance of all Total Oownpayment and paying us Ihe Amount finaneed plus Finance Charge. YOU promise to reqUired obhp-llons under thIS Contrac~ you live a seCUrity IIlterest 1fI the VehIcle, 1fI all make payments in accordance with-the Payment Schedule. You promise to make payments paris Icalled accesslons1 attached to Ihe Vehicle at any later time, and In any proceeds 01 en or befol't the $Ime day oreach month as the first payment due date. You 'alree 10 pay III the VehICle, IIlcludln~ Insurance proceeds. The AsSignee may S!I~" any amounts due and othll amounts Ylhith may become due under the terms of Ihis Contracl Yeu .,ree 10 pily the U~aJd under thiS onlracl aplnst any 01 ~IJf money on depOSit With AsSllnee. ThIS Seller or Assignl!ll costs 01 suil You also Ilree (0 pay reasonable attorneys' fees if SeUer or ~u~:: ~nl ~g1~rs ~~~uf a":w ~~~a~l~ ~ f~~Ul't be depOSIted With AS$1i:nee by you Assjgn~ hires an att~riiey to collect amounb due under this Contl1ct or.lo protect or ,et- ADDlTIONAl TERMS AND COIIDITIOfIS: THIS CONTRACT CONTINU S ON THE REVE . p01Sesslon of the Vehicle. You agree to make paymenls.at the place or 10 send payments to SIDE. YOU ARE OBUGATED TO All THE'TERMS OF THE CONTRACT WHICH APPEAR ON THE Ihe address which the Assignee most recently specifies in the wrillen notice to YGu. FRONT AND REVERSE SIDES. . . 8y signing belDw, we "ree 10 sell the Vehicle to)'Ou under tile terms of this Coolracl NOTICE TO BUYER-DO NOT SIGN THIS CONTRACT IN BLANK. YOU ARE ENTlTLE~ TO AN EXACT COPY OF THE CONTRACT YOU SIGN. KEEP IT TO :~!:~:EC '~P~R; 'l$'~fYF-'. (SEAl) :.~'''''01 11/05/1.",_.: S'VV'- \\~ ~EAlI 1I/l/l5!01 ~ - ~ ::"ER ~0WU3/~SBURG CO.SIGNER: YOU SHOULD READ THE NOTICE TO CO.SIGNER, WHICH HAS BEEN GrVEN TO YOU ON A SEPARATE DOCUMENT. BEFORE SIGNING THE CO-SIGNER'S AGREEMENT. . Co.:SIGNER'S AGREEMENT: Vou, the person (or penons) sicnln! belo.... as "Co.Signer," promise to pay to us all rums due on this Contract and 10 perfonn all agreem~nl5 in this Contract. You intend to be lerally' bound by llUthe tCI1l15 of this Contract, separately and together. with.the Buyer. Vou are m;lting this promise to induce to make thia Contract with lhe Buyer, eyeD thouch we will "_C thl: proceedl only for the Buyer\ bement. You a,ree to.pay neD thou.h we may not have made ~n prior dema~for pa~enl the Buyer or u.e' our .~unty Intert::llt. YOI! also actnowled.e r~iyin& a comp]ctedcopy of this Contract. .~ .'-,'" ,,~ '--'~ . (SEAL 414 S HIGH ST 1lE0000ICSBURG PA . 11Il/l51 Co-Signer.s Sicoalute Address Date (SEAL) Co.Sliner\ Signature . Addrell, Date C()..OWNER'S SECURlTV AGREEMENT: You, the penon li,ninJ below as "Co-Owner," together with 1m Buyer or otherwise beiD& all of the Owneu of the Vehicle. give us a S~urity Interest in the Vehicle identified above. You .aree to be bound by the term5 of the Security Agreement and all othc:,r paru of this ContraCt exceplthe "Promise To Pay" section. You an:: givin. us thi security interest 10 induce Ui to. mate this Cont'ract'wilh tbe Buyer:aod to SIl'CUIl: the payment by the Buyer of all sums due 01'1 this Contract. You will IIOt be m-poDsible for any deficiency which might be due after repo>>e5SioD aod sa]c of the Vehicle:. (SEAL) Co-Owner's Signatull: Add~s Dale BUYE , O-SIGNER AND CO-OW~NER AS APPLICABLE, ACKNOWLEDGE RECEIPT OF A COMPLETED COPY OF THIS CONTRACT ATT ETlMEOFSGNI . _ (>~. <::r'l:-;/' - ' , ~. I ., BUYER BijYER- ' CDSIG~ER CD SIGNER OR CO-{lWNER 8ANCOHSllMEll rORM PAS23Slt-l1lR", 4/01) NOTICE: SEE REVERSE SIDE FOR IMPORT ANT INFORMATION. . ZOOIIlANCONSUMER W1VIC(. (He. . WHrTE.OIUClNAtTOMU'GREEII.8uyel'lcO,,-.CAlII.ar.I;o.Si(lllr'ICapy.PlNI.SelIf(1Cap, ......,......, a~HI'.....'..,.,. .... ... ...., v. ,,,.~u"..~I. III U..~lllOllJ .""I!.r,:\!l~ !~SU[a!,CtJ:iqll!J!!~~e"I1UIl1I1.'e}I!!r~I!!,"e~lI1l'lIl11/I!yp.g~fWm~U.llI$_Oeen prepalo_~n.the" ~~ ccmpany is acceptatlle.to Ill. _.. ?neVie Bec\11'e'ii:lbem lmme'alale1y dUe wilen: (ajSiiCfi'liiiiarm~ald or (b)-we obl~lna ; 6. Window.s_ticker..lf YOlll ve'hicle' isM!: I,motorcycle aad is described at tht becinninC of Judgment after slI.lng to recover sllth amounts. " this c~ntract II used, tfl.e _followinr; nol~ applies to this contract 21. If ~ repomss )'OlIr prope~. If we repossess your property, we "ill sell ~ UI'lIt!,~ y~uOC-:J Tn;info""lti<m YOII$~cnrt\le 'frittdow 101m 10r thlnebicle is part of this conlAct. ledeem it ~ole we sell ill1 pll.fmrtte~ by appfltabl~ lifo', you myst pay .1Is.U!l::a~~~~r;:31 r.'. ;rnformaljorro~ the window form onrridn Iny COIltlary provisions in thlteontrut of nle. neces~ry and reasonable expenses rncurree! b.y liS m. feposses~lng, stO~I~g, rep~lrlne;, . ';" -. , ~....-. ... . recondlllonlng or selling your property. We wllllurmsh you Wltt'l a wrlfle~ nolrce-M. !. property mmlnCf. In ,connection ~Ith .thlS contract 1011 may !N!teQulred to keep )'O~r fepo.sse..siGn !.ttting f(\fth riili.l~\~1;j,~ ~Yll.\i;i_~.l1.~nsta\~me~t ot \\ie cO~lrac.l.)f we, 1[, property f~ny -COOttftd ~g1.l!Istsllbst'~allisk. 01 dama~ lIes\f~lOl'I or theft. U ~Oll oblalll agree to such reinstaleme~l ana to redempUoti"Orybur proper1y. At !east ]5 days belore the $Ucf1requlled p.ropert~ rnsurance lhrough the ~lIer or ~&T Credil Corpora~n, .It WII cost the dale w"e.seU yPUr property, we will send you a noticCOI It'le proP9sed sale. We Imount sf!oWJl'.lD ~f'N! lIemlllll(l~ of Amounl F~anced. II you do not obtain it througlllhe money we receive from the sale of YQU~ \lropffly IS lelluired"by tP\l~~llble seller or M.&T Cred.i1 Corporalil!n, It mun be pro~lded under a policy ~ptablt \11 ~ ,,00 yOO to (a) amounts d~S!:ribed ,inth'-S~cond. sentel'\ce 01 this se . . must pro~e us wllh proolof it acceptable 10 lIS. " payable under thisi;oritract bot'nGt ,yet paid). H'Cet!!lo thee~t :1. !.Jte Chare:es:.lf ,~!I~portion of any instilnment payable under thIS contra~ is overdue'for to, JVphcable law, ~ou must immediately p_&~ \ls'ill amourits ~ore Ihanel01dal'tlyuu musl pay a Iale charge 012*, par ~onlh on th~ unpaid amountQftM. 001 yel pa.ld atter we apply mone~-wtl receive from.lhe sale.of Installment Such a Jate,charge.may p~ imposed onl~, Ol'le lime for each lale_payment property belore W! sell it, you must pay;usla) all amounls described 9. Summa~.Notice riia}Fina: prlpayment and reinstatemen!. You have the ~I to prepay of IhiS section imd (b) all overdue installments. late charces, costs attuil)ly iri,!:u this conlra'ct In'whole or in part alan~lime wilholll penalty. II you prepay aU .mounts pa~able arjverti~nallf fm- IITaRalna: 1m ttleS'/itt 01 your plTJperty, attorneys' lee! and'~to undertt'lisconuact,yllumaybeenliUedtoarelundafpar!olthelinancecharae.'lI yoU are in payab!eunderlhiscontracl 'ilel~ull, Ye..~l1lay ,h.',v~ ~he rii.hI toreinslate tllis conbact or if yeUI property has'~en 22. Collection ceds.lfwe hire' an attorney whalls-not a salaried employee 01 oors to'b"rinl)' repossessed you may .flave t~e nlhl lIn~er the law to recl!lve back your property. Tllese "Ihts liwwit to CGlIe"t;my 'lo\1lfl\mt Illyat!lt undel \M eontfact but not yet paid, }'tIu must p.ay us 'i1re {utii'lt'..UP\all'lti'1lll SectIon 21 ollhlS conlract. ll!i1sonable attorne)'S' fee and all court costs we pay fOlthe lawsuil 111e attorneys' fee will be..: 10. Add.itioM~ informltion. You sl'lould re~er 10 the rest 01 thiS contract lor addltion~l 15% ofthe~flIollnt payable IInder thlS'!:tmtract unltu a court sets a srTIalleS!ee. , :1 information about rmnPfly~ent, ~etault, Ilur r1C~t to declare ~. amoun~ payable u~r Ih15 t3. t.rtitlt~ ltlt In youl proplrty Il we It~11P PlDperty arHl j\ contams any ar'!iCle in contrac. .' but no: t ~et '\.1<1. iibmm&dia.let, oue, prepayment ~un. '''. nd pe~ilBk. )'Our nghtto which we do not have a seCUIl!y mterest your otilv"c)lim Will be for the retUrn of Ihe 'rtit;/.e."1 seek relnstalementl:lflhe contract mlhe event 01 repo!lSe$Slon. But you Will lose any clam!Q the article unless la) within 7 days after the date wereposSiSt 11. PreP2.vm<Ent;,If:you prepay this contract in M,)'Ou'wi'noIl1aveto pay a penally bu1 will your propert} we receive aTlotlr:e sent by registered ma~ that yO\! claim tilt. a~~ar.d \bl t\Qtteel'llitled ttla ftlurKI 01 a part tt11i'1e1iMlTlttthaJit. wllhm 1511ays atler the date we notify you fo do so you pmk tile article up dunng bUSiness.. 12. Fmanclnl statelfltnts. Whenever "nd wherever we Ihrnk It.nel=j'ssary, we can life,a hours at the IllCBlron we specify. financing siiiement sJlned~QJY by lIS ,nd describing Our seeuritfljMtllest in your property. 24 rlohees ud chanle of addrlst. AnY<r:lo!ihe we send yoo CGntefmnt Ims. c\\l\'\nct tl(:t!lut When 'fie CIOtlly you to dll ser~ mils'- \mlnel1la\ely PlY III any 1u, lee or charge Wf pay lor property Will be s.ent 10 }'tIur current maifrnr; addfeSS shown In our records'concernme!hi$- ~ filin~ the f~JlcJ~tstafemellt' . centrad We can send It by reeular ma~ Any notiu YIlU send or deliver to us concertllnr 1Ills 13. Additio.na.f promises. Unlil all amounts payable u. ooerlh. iSCO.nlfiICt:lre paid, you must (I) Cllntract must be !II wn~nc and be sellt or delIvered to M&T Cre<hl Corptlration keep '1aurp'f~ilect'1 (ll gllGd c<:Indi\ioll, It.) (llompl\y p'y any \11, lee or chlrge on the loan Operalions, One fountlln PJalll,PO Box 4005, Buffalo, NewY~rk 14240,or purchase, owner::stup or USI,At your property, (c) sie;n any dlXument we believe necessary 10 address we specify II your address or any adClress where your propei1r WI~ be 1 protect Our security inferesfm)'Dur property, (d) hawe QUr security interest ill your property before all amounts payable under thIS conlracl are pard, you must promptly shown on mr certificflt"ol IiUe issued lor it.te.j alJow 1A!0 mspe.ct your, p,ropelty at tCly timt, wnting III \ht-Il!\II address.. (IJ immediifeti riliilly:!'S in ,,:ritini if yo~r propert.yis lOst, stolen, d.imaKtd or'destroyed, 25: If 2 or more'penon's sian' c'ontract as bupr, co-sia:neror eO.owner. If 2 ar_more l (g) not sell, tra~f.e,. ~ase, rent, Clvea~ay,~.bandon orin any ather way diSpose 01 ~our prtlptrty perwns,sir;n ~is centrad lIS a buyer, CD-signer or co-owner. all ollhem wm be, indi~~liDUY , wilfWut fj~l ot!tallllng ollr colistnt III wntlllg. (h) noluse your prllperty. or allllw it to be used, and \1l~1It.1 \lab\e llOOf:T it. except that ltle CD--<Iwner will not be bound by tile .Promlsil'1d iUegalJy or)/I any way that m. ie;ht resulllll any 11JSurance on it nol being piid and lil not allow I'a.'f sectlon.' hcept io the extent required by app(cable law, we can send or deliVer ail9, anyone oth~r. t~n, YP.!l pr us to have .ny clallll to }'1lpr property ~r to be name~ on any notice concernmc it Ie any olthem SIgning it as a b~yer, and the notlt:e wiD be'ellecti~l!'tor al :. certificatetlHille'iSi&:rforlt 01 them. " )4..Rlsk of I(!ss. 'tau win behQund by tl1is contract even if your property is lost, slolen, 26. Gu.rantet!. Anyone signing this contract as a co.signer, unconditionallycuaranlees and . danuged or destroyed. . _ becomes surety for the payment 01 all amounts payable under it and will be bound by aN its J5. Propeitiiiofiia"iici. In additicln to ket!pirlg\yolihptbpertycov-elial*JIIe motor vehicle llrovisio~s '........ " !'S..:....;.._.. ~,_ ~ ~\:',~.,_, innnan~e r~quired by Section 7"you m~1 keep it fully cov~red 6y Insufan~ea~ajnsl ~1. Givine up 01 rjeh;t~'bY,.)'ou. Tei the e:rtenl permi~ed 6y applicable law, yo.u ci~e up anl~; ".". II~tlBl nsk 01. da.m~~.... d'.'".CI'.Q~ or theft unhl.,I,.moonls payable. unde '. thIS ctIn.ttilcl nghllo."'Ulre Ihal we (aJd'm.and. ''''.IYOu_paY.ilmtomintlay :Ill..' ,lJ. ~de :. are. paJd.:Wilho!l.cnr@rn~ Ih! precfldlnc se~tence, you must keep .11 hilly covered .by notifyYQuifany amollntp1yablt\l~rW~f1t~~) - . lIW "'---- .E.\I'r.QltbU~IP. ~nd.colili>~D..~..~1}~II,\I~c,~.'J~e. 'Ilij!~~ ,m~~t be .~ed .under Jj! . Sf'f-' ...._{c},.oblainl..ctrtirlCa~~tiDiJh'f ~ny a_.lm"IDe;.l it io"ll, ~!~1:ceptatie,lo';lS.Wil.houl-llmllini'tlieprLfl:edlllg'Stntel)Ce;tliemsurnnce'lll ann lWJecl, lfle1lateifbec'llmed'Ur~ ,','.. ,". .-,- ~- . .,-,,.' "i"-i><,. '_ ~j~, . : 10 -a .ded~i~le amount grette..! !han .$.500.00, (b) cannot be c~nc~ed .bJ lhe'company U. 'No nol~ or Ian'!3f. (~ts, Wt can exercise- 'Il'j right against any pelSiln' OrprltR~rty ; llro.~dl~&it 1(<'~thaut the cllmpa.ny {im gNlng IlS 1>\ \eM\. HI OO'ji nol.lCe 1rI ~lnC and Ie), must wilhoutloslnr; a~y riCt'lt agains.1 yoo, your property or any other property-belOflgilli to)'Ou now , be p'~ab~;to~s _to.lh extent needed 10 pay all .mpurJt$ payable underlhlS contllCl but nol Of acquired by you in \tie luture. Tp the edenl penn~led by applicable lilw. wt tan exercise r Val Pild, e.ven II IllS your fault that.your property fS lost, stolen. dimapel or destroyed. You the ighl witfloul notifying you except 8S pro.vided jn SectiM'. 2.1 'fIi!.h le~\ to notite~ tI I'-: - mug p, ov d_ I ~W(l1.oUh,e Insur~nce .tc~ptabl:' to. .~ kI tll.t e~ef\l Ilt any \Q~~.1l!. .. I r - ..'0 . - '-. " 1:Jam.!~e to '~ rprqpefiy?-you 1'111 Immediately nolify us III writine and file a prool 01 loss W111t.....-:i~~~~-m1 .. ,., ~e ms~n~r&mpany.. . _. acquired by yooln _ . clleck or other. . . . (iI) Our Rlcht .to File "!oof ofi-F In the ~ent 01 ~ny loss or darnBg,_to the ~ehIC~ if you with sim~ar languaee as a payment under Ihis"t:Ontract; (bl give 3ddili!)ri.t lim the lall or reJ~se to: 1~~,a claIm or proof. of loss Wltllltle IIJS~rance COIlIpany, you allft thal.the payment ofany'amounl payable under lhis'contrlct. regardless 01 'the nuiliberof'tiiiiel' wi! seller,. aS~i1gnee"anYSi,lJI~Que,nt .asslgnee, or any aul~l1le~ employee of I.IIY 01_ ttltm rwe1 previously did so 'nd regatdleS5.of the length of any additionaf1ime we previOusly ~3v_e, {cl m.ay fije a prool of loss With the. IIlsurance com~ny, In your name and a~ng III your ~gen~ '""" -up fa'l \D exelelse Of dela, e~ercisin~ an, ri,~'.ailJSt an, person or propert,. (d~iiil to wilh. respect to the msured c1arm. 'tou agree thai you do not hm the nghlto and d not ~..~, I.. ......._.' ~~ revoke tile power yotI have liven tIS 10 file, proof of loss. You alree Ihat we may exercise this ~ofect a~y llJ~fesl In any propert~,. whether by fa~lIlgto mamtaln. anym$~rance.. by lallini.!o. power for our benefit ,nd not for }'1lur benefit, ex~pl as provided in this'conlract and by law. file an.y fmancmc slalement .b.y filling ~ bename~on an~~IIC,ale .ofllll~r In (hlO\l1 Right.tll E.lIdlmt.,looUI1>nce {;.httis:''1011 lRree th.UIl, sell~r;_ilSs\lnee, any 'fIlY, ~I te\ Chlnp,llYt prl)VlS~ TJ1 \hlS. ~litrlCt i1 an~_ne s!g;un~ 1'1I~:-conlrictli subSequent assignee, or an autllorized employee of any of them ("we, m,y enllol'$ll your ~gree~s.. For exa,mPie, M&T Credit Corpotilwn can sue YOllunller!h1S ~onlract . name, 'cting as'-)'Ourigenllo ant.theck;.draft o.r other inslrlll1lent we receive;n p'yrJl!nl-of it [a}..$U~ anr9!!t. e~. {hI r.eposseSses and sells your PtJIpeJ;ty or t~)uses . . an insured loss Of.r.elurn of insutahCe l1femiucm.' YClJigretlhl\ '10ii 00 not !'.a'lt tht ria\t ro be~n Of_IS d~PfMe-d ~jln ~ by YlUl \!l" "1Iy<<\e else tll p~y 'lYt ~mrAlnt payable under'ihlS and win notirevokeflre power you. have r;iv~n _us to make your endorsement You agree that toritra~ but not yet paid. We maiy exercise this po~r far our benefit i1nd not for YOlll" benefit, excePt 15 provid~ inlhis29. ChapjCs.afld,liviq:up of rithtsby IlS~ No change in tllis COI1tract can be made.except itL cOllt~actandbyJaw. . ,.. '.. _.. ,., __'- . "" ,wri~signtdby,_u~,Wt",?l\tll~rttt~~~,TJlwiousel!t'l.m,D.urcopyotWls!=\ln~ag.~9~.t '/cJ.Use ol,ProceedS: We may apply anyinsutilnce prnceedswe recei'Vetifrepairor replilce agalnsl you, your PlOperlybr Iny other property belOogll1g 10 you now 01; acquIred by yilt/III thil'vehicleif, in "Our oPinion. it isealnorriicaUyleasibie Ind ytlu fre noI1t1e~ in defiullofthis the~uturecanbeg!venupbyusexceptinawrilingsigned hyus, , COllll1lcl OIherwiSf!, WI! will. apply the insurance proceeds 10 ll!duce Ihe lI~Pai~ 'balance Clue ](I. Claim 101- faihut If) obt'loirl ill1;llmTce. 1I any amoun\ is pail! under.this contract for' any ;.. lIS.J\fter ttiebalance ~ue us is paid, ~ny excess will belong:!? Y<lLL insurance a~clthe insurance is not obtained fur any reason, your only c!lirn will be fllr li 16. Our mai"tenlncf 01 insurance, We can, but 'Nt wiU not have 10, maintain an~insurance refund of thaI-amount , reQllire. d by this contract in connection with YOII~r,l1. 9. rou,d~.>~oi mainta: it. If. w.e 11. {;.lll\tliCt$. If any part oIlhi!r tTlTlInct cenllicls w.ith applicable law., It'le la.w will conlro~ . ,. ~eci;t!e l~ r:nainlaln any such insurance it may be 'fmfenln:..t~e ..1~~ l.h.Hou," ~.us and lhis contr,ct wiJ be considered chan~M.lllt.elxtr?tA\!Cess~~ry;.w-ffl~pl.~ ~itt'l1L , "t; un~&r'll.h~ contracl Such Insurance .may not sallsfy your Obllgll~l~ns undi_-. lal 32. COIltinulcl Ifflclivenus. II any parlonh~ tonlutlls defern1rne'lf lip court to be r.es~onSibIHty laws. and may MI.Jm!Vlde cove.rag! ~g-.alnst bodily lIlfUrJ: Il~ prnp, aamage invalid, the I!st. 'IIiIlll!lTlaln in tfIm : -', , ,'1,&\i'&~.jJhtPltmlllms101sllchjnSiiTance.may;be.-hlgherll1al1,.lha:'{lft!/!I:!lI.llllUm!:!ce.J.t.l~,=>titif. . ..~., \ ,.. . , ttiifyoudjuld obtain pn your own. You mllst Par"uS ally amount weiUy 'D("~f!s~"nd~' J3:~Wh 1 ta~ applin. Any legalquesllon c~nce D~. J.cont~GJ~II.b.fA!ecl~ed in ~ linane<<'charze on the portion oIl1la1 amounl nOlye! paid by you as though thatilortion were accordance l'Illh Ihe law 01 the Commonwealth or ~ellllsylvanl and, to lhtextent applicable, ail arn'3llnt<lf\wl\ith {inal'iteeharit-was payable unlM!rtlliscontracl,We will send you a Itdm\\aw. tlolicelllatyouhave,lllfoptionof laJpayi~gthatamountandthe_fjruince chalEeWithilllO. days alter Ihe dale we send YOll lhe notice. lb) payilli: thaI amount and the finance charp in monlhly instJllments each 01 which, Of elch of 'll'l\ic.h tJ.ctJll. tile las\, will be !Qual in amoun\,- tt'le last oll"jhictr; II' nol !!{jual in amount to tile olhers, will be of a smaller amOl/Ill a~d the number ofwhich-wiM be equtll\l the number of installments thaI are to become dUI under tile Payment SchedUle afti!r !he'date.we send you the notice Of (cJ pa~(n& that arnou!'l_~ the finance C,harp in any other way we offer. If you do not pay thai amoulll and the finanCe ,. l~~llJas_:p@vided in (a) of thelprec!di'ne:~sentence,you:milsl Paflttem:.as,prov_ilfedlil1 (bl or ~ (cjoflllalse"tence. . . , NOTICE ANY HOLDER OF THIS CONSUMER CREDIT QONTRACT ,IS. ALL CLAIMS AND DEFENS'ES.WHICHJHElrHBJil8;',. AGAJNST THE.. SELlER. OF GOODS OR .SERWCE$'oBTAIN HERElIrOR.WIT1I'T\ll!ROCUqS HER~llr\RECO~ERY HER THE. DEBTO~ SHALL Ndr-fXCE~OjAMOl!NT~'PAID_BY'T HEREUNDER. ' I THE PROVISION SELOW IS HOT PART orTHE PENNSYlVANIA MOTOR VEHICLE IHSTAl'--ENT SALE CONTRACT BETWEEN THE BUnUNO SQliIl:. ", ., _ ' ASSIGN.E_NT , . . . Th~ ,~"er nl'es to be bou~d bY III plI,wisions !lfthls co~tract ~so,lor Vllue received and Inlendini III ,be tegaNy bound her.eby, _lhtseRer la)tssigns this.nnlract to M, I. T Credit torpor.ti.o~,' pUr$uant III ind su.bjl!Ct ttl4ll te{ills ~nd t\)l\llitfuns Ill, tla- dta\i-! IJleemtnl cult!tl\Iy)nellect between'Ule seller ~p~ M & T CfedifCorpor,lim and (bl makes With respecllo Ihis Cllnll~ct aU wmantie5andrepresentllionssellorthirl5uclldelleralreement .. Name 01 SeBer Si!nalllreandtilleofpersonslgninelorsetler Date' , \ BAHCllNSUMEIlfORMf,l.S23Slc.I7(1leI'.'/01J ~, .. '".1IIatto.... . ..~).-........ VERI FICA TION The undersigned does hereby verify subject to the penaltics of 18 P A.C.S. S4904 rclating to unsworn falsifications to authorities, that hc/shc is ~~ 5.ck---- (Name) ,,{ G:>/orwL {[<- (Company) J , plaintiff' herein, that ~((cu.....t- b<euj, J~ (Titlc) of C4cJ he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief. W-J~ ignature) WWR#04564924 7d (.) -{Q ji=- ~ U( Y\ - ~ VI. ~ ~ D G - -U w ~ t"-; ~ ~ -n C> ~ >,) -,-, \.J.-:': '--t.....-I-- '.f'"' ~.....' L.). ,. . ... SHERIFF'S RETURN - REGULAR CASE NO: 2006-01811 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CACV OF COLORADO VS BAKER LEWIS ET AL WILLIAM CLINE , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon BAKER LEWIS the DEFENDANT , at 2051:00 HOURS, on the 7th day of April , 2006 at 414 S HIGH STREET MECHANICSBURG, PA 17055 by handing to SUSAN BAKER, WIFE a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 18,00 9,68 ,00 10,00 .00 37,68 cr r~~.. R, Thomas Kline 04/10/2006 WELTMAN WEINBERG REIS Sworn and Subscribed to before By: 47~ V' Deputy Sheriff me this III 'e day of ~ 2(OO{,.. A,D, Prothonotary .;... .. .'. SHERIFF'S RETURN - REGULAR CASE NO: 2006-01811 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CACV OF COLORADO VS BAKER LEWIS ET AL WILLIAM CLINE , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon BAKER SUSAN the DEFENDANT , at 2051:00 HOURS, on the 7th day of April , 2006 at 414 S HIGH STREET MECHANICSBURG, PA 17055 by handing to SUSAN BAKER a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof, Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 6,00 .00 ,00 10,00 ,00 16,00 C:v- r'~~--<~ R, Thomas Kline 04/10/2006 WELTMAN WEINBERG REIS Sworn and Subscribed to before By: ~~ ~ v eputy S~~lff ~ Iq~ ~1l1>4 day of me this A,D, Prothonotary IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CACV OF COLORADO Plaintiff No. 06-1811 CIVIL TERM vs. PRAECIPE FOR DEFAULT JUDGMENT LEWIS BAKER SUSAN BAKER Defendants fiLED ON BEHALF OF praintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt ptiid# 42524 Weltman, Weinberg & Reis Co. 2718 Koppers Bldg 436 Seventh A venue Pittsburgh, P A J 52 J 9 (412) 434-7955 WWR#04564924 Judgment Amount $ 4912.42 q.':,,: THIS LAW FIRM IS ATTEMPTING TO COLLE$it::'tf'llS DEBT FOR ITS CLIENT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. .""-1 , IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CACV OF COLORADO Plaintiff vs. Civil Action No. 06-1811 CIVIL TERM LEWIS BAKER SUSAN BAKER Defendants PRAECIPE FOR DEFAULT JUDGMENT TO THE PROTHONOTARY: Kindly enter Judgment against the Defendants, LEWIS BAKER AND SUSAN BAKER, above named, in the default of an Answer, in the amount of $4912.42 computed as follows: Amount claimed in Complaint $4412.42 Interest from date of judgment at the legal interest rate of I. 75% per annum Attorney's fees ,., $500.00 $4912.42 TOTAL I hereby certify that appropriate Notices of Default, as attached have been mailed in accordance with PA R.C.P. 237.1 on the dates indicated on the Notices, G & REIS CO., L.P.A. Plaintiff's address is: " ",.:.\. .., u c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 KOpp€mr'Building, 436 7'" Avenue, Pittsburgh, PA 15219 And that the last known address of the Defendants is: 414 S HIGH ST MECHANICSBURG,PA 17055 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CACV OF COLORADO, LLC Plaintiff Case # cA..rli'\) C:.,1I1L"\~ LEWIS BAKER Defendant(s) IMPORTANT NOTICE TO: LEWIS BAKER 414 S HIGH ST MECHANICSBURG,PA 17055 (~/J~/04 ( Date of Notice: WWR#: 04564924 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 FOLLOWING OFFICE SET FORTH BELOW, THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER, IF YOU C~OT 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 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 ,. " >~ .:; '.' BY: JAM ARMBRODT, ESQUIRE PA . #42524 WE T ,WEINBERG & REIS CO" L,P.A, 2 1 KOPPERS BLDG, 436 7TH AVE, P TSBURGH, PA 15219 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CACV OF COLORADO, LLC Plaintiff Case # ()~ - I YlI C \ VI '-'""C~ SUSAN BAKER Defendant(s) IMPORTANT NOTICE TO: SUSAN BAKER 414 S. HIGH STREET MECHANICSBURG,PA 17055 It /'~/t\(tJ Date of Notice: WWR#: 04564924 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 FOLLOWING 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 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 CO" L,P,A, 7TH AVE, IN THE COMMON PLEAS COURT OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CACV OF COLORADO Case no: 06-1811 CIVIL TERM Plaintiff vs. I\!O"/.rlllILlTARY AFFIDAVIT !J/!~ ';'~: LEWIS BAKER SUSAN BAKER Defendants .", The undersigned, who first being duly sworn,according to law, deposes and states as follows: That he/she is the duly authorized agent of the Plaintiff in the within matter. Affiant further states that the within Affidavit is made pursuant to and in accordance with the Servicemembers' Civil Relief Act (SCRA), 50 U.S.C. App. ~ 521. Affiant further states that based upon investigation it is the affiant's belief that the Defendant, LEWIS BAKER SUSAN BAKER is not in the military service. Affiant further states that this belief is SUPP()rtitt?b~rl~e attached certificate from the Defense Manpower Data Center (DMDC), which states that the Defendant, LEWIS BAKER SUSAN BAKER is not in the military service. Further Affiant sayeth naug COMMONWEALTH OF PENNSYLVANIA H Notanal Seal I J./(eJ" N ,tv Cf )ittsbu '~f orary F Ie I I~y .;0 I "".~ ~~~'leghen (; '''illy - ~n......resNo 4 'G ~ ',Und)('H Pe..... , ,~ \ c '''' Y vania As ,. -~ --~- IOC' .t'(l11 or r<)( t This law firm is a debt collector attempting to collect this debt for our client and any informatY8'^ obtained will be used for that purpose. Ref.juest for Military Status Page I of2 Department of Defense Manpower Data Center _ Military Status Report _ Pursuant to the Servicemembers Civil Relief Act mN-26-2006 12:27:49 ..( Last Name FirstlMiddle Begin Date I Active Duty Status I Servicel Agency BAKER LEWIS Based on the information you have furnished, the DMDC does not possess any information indicating that the individual is currently on active duty, Upon searching the information data banks of the. Dt:partment of Defense Manpower Data Center, based on the information that you provided, the above is the current status of the individual as to all branches of the Military. ~Wr;~u-~ Robert 1. Brandewie, Director Department of Defense - Manpower Data Center 1600 Wilson Blvd" Suite 400 Arlington, V A 22209-2593 The Defense Manpower Data Center (DMDC)J.s,an~~glinization of the Department of Defense that maintains the DefenselEnrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems, The Department of Defense strongly supports the enforcement of the Servicemembers Civil Relief Act [50 USCS Appx, ~~ SOl et seq] (SCRA) (formerly the Soldiers' and Sailors' Civil Relief Act of 1940), DMDC has issued hundreds ofthousand~of ((does notrossess any information indicating that the individual is currently on active duty(( responses\~~tiltli~lexperienced a small error rate, In the event the individual referenced above, or any family membe;':'friend, br representative asserts in any manner that the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's active duty status by contacting that person's Military Service via the ((defenselink,mil(( URL provided below, If you have evidence the person is on active-duty and you fail to obtain this additional Military Service verification, provisions of the SCRA may be invoked against you. If you obtain further information about the person (e,g" an SSN, improved accuracy ofDOB, a middle name), you can submit your request again at this Web site and we will provide a new certificate for that query , This response reflects current active duty status only, For historical information, please contact the Military Service SCRkpoints-of-contact" {;,;"H'~~.,'p' I . . " See: ht!p)!WFW.def~!lselink.mil/faw'pisil'C()..2SLDR.htmj WARNING: This certificate was provided based on a name and Social Security number (SSN) provided .c l:! 1Ii~"'::\ ;~\/,!, r:\'I.~:;~,.. ":'liCI"" . https:llwww.dmdc.osd.mil/scralowalscra.prc_SeleGt 6/26/2006 Reguest for Military Status Page 2 of2 by the requester. Providing an erroneous name or SSN will 'cause an erroneous certificate to be provided, Report lD:IZYETYHXWQ i..: https://www,dmdc.osd,fuil/scra/owa/scra,prc_Select 6/26/2006 VERIFICA nON t The undersigned does hereby verify subject to the penalties of 18 Pa,C,S, Section 4904 relating to unsworn falsification to authorities, that the parties against whom Judgment is to be entered according to the Praecipe attached are not members of the Armed Forces of the United States or any other military or non-military service covered by the Soldiers and Sailors Civil Relief Act of 1940, The undersigned further states that the information is true and correct to the best of the undersigned's knowledge and belief and upon information received from others, WELTMAN, WEINBERG & REIS CO" L.P.A, I By: JAMES C ; s..:.! WARM R PA I.D #4 WEL M , WEINBERG & REI C " L.PA 271 oppers Building 43 eventh Avenue Pit sburgh, PA 15219 (412) 434-7955 WWR#4564924 c XJ R ~ ~ ~ ~ .~ ~ :;; '" g j ~ ~ f:! ~ ~J- ,-, :.-=? I~--_) ;:;~,; ":1 -,.-, :::1 ,,- en - - C> -' (") i--':: ~1 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CACV OF COLORADO Plaintiff vs. Civil Action No. 06-1811 CIVIL TERM LEWIS BAKER SUSAN BAKER Defendants NOTICE OF JUDGMENT OR ORDER !;1 ,..; TO: () Plaintiff (xx) Defendant ( ) Garnishee You are hereby notified that the following ~~~~n~~ J~t:~t'ljBen~r;inst (xx) As~G'inpiitJu'dgment in the amount of $4912.42 plus costs. Trespass Judgment in the amount of $ plus costs. () If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, PA. (xx) Entry of Judgment of () Court Order () Non-Pros ." ,((i,rL." Confession c...",'fjQ(}''''' cDefault (.. ) Verdict () Arbitration Award LEWIS BAKER 414 S HIGH ST MECHANICSBURG,PA 17055 p-. ~ ~ ',i?:~~ I O=-r-, Plaintiffs address is: c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7'" Avenue, Pittsburgh, PA 15219 1-888-434-0085 IN THE COURT OF COMMON PLEAS CUMBERI,AND COUNTY, PENNSYLVANIA CIVlt' Q~Vt$lON CACV OF COLORADO Plaintiff vs. LEWIS BAKER SUSAN BAKER Defendants SUSAN BAKER 4145 HIGH 5T MECHANIC5BURG,PA 17055 CivihAction No. 06-1811 CIVIL TERM NOTICE OF JUDGMENT OR ORDER TO: () Plaintiff (xx) Defendant ( ) Garnishee You are hereby notified that the following ~~~~nO~Jt~~I~,t~ e~~~ainst (xx) As~\ilntiW'w;~~ment in the amount of $4912.42 plus costs. Trespass Judgment in the amount of $ plus costs. () If notsati~fi!'ld within sixty (60) days, your ri1oto;'j/e~lC;ie operator's license and/or registration will be suspended by thl!;Department of Transportation, Bureau of Traffic Safety, Harrisburg, PAc ., (xx) Entry of Judgment of () Court Order () Non-Pros () Confession (xx) Default () Verdict () Arbitration Award Prothonotary . Ii.., " " " ":) ;",'~<-i, ' 1<' ";: 'P'ROTHONOT ARY ~6f\ ~I'!"'I:IT () -J..t'?} ...., ..... IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CACV OF COLORADO LLC Plaintiff No. 06-1811 CIVIL TERM vs, PRAECIPE FOR WRIT OF EXECUTION (LEVY ONLY) LEWIS BAKER SUSAN BAKER Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R. Bibler PA I.D. #93598 WELTMAN, WEINBERG & REIS CO., L.P.A, 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#04564924 ..... - IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CACV OF COLORADO LLC Plaintiff vs. Civil Action No. 06-1811 CIVIL TERM LEWIS BAKER SUSAN BAKER Defendant PRAECIPE FOR WRIT OF EXECUTION TO THE PROTHONOTARY: Kindly issue a Writ of Execution in the above matter... 1. directed to the Sheriff of CUMBERLAND County: 2. against LEWIS BAKER AND SUSAN BAKER, Defendant 3, Judgment Amount $ 4,912.42 SUBTOT AL: $ $ $ $ 177.66 Interest Costs Costs (to be added by Prothonotary): By: Benj in R. Bi PA .0. #93598 W LTMAN, WEINBERG & REIS CO" LP.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#04564924 c ~. ,.,. +- ~ N ~ ~\. ~ -- ..t: fY'\ ~ ~ ~~ ~ ~ ro ~ ~ ~ 0 w ~'-l::() \)- t, f o ---- -fA :Cq. ":' V) () ~ c r~ ~ ~ ~~~f=~~ \' Vl C> CI) 0 ~ "0 "" ctCC~CY \ ' ,\ \ \~~ ...~ " ~ '::: ~ P- ~ ~ ~; ~~ . ~ (') ~ ~ c:> C c:;;:;:) -..J ~-\. ..,., -t ,- :L-n rt co rnp N :g9 w \:'~C;) --t" j ~ -r;l '~,;~ -'\~ -""' r:? -\ .~ :ii -...J -<. - .... ... ... ..... WELTMAN, WEINBERG & REIS Co" L.P,A ATTORNEYS AT LAW 2601 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 CLEVELAND. COLUMBUS. CINCINNATI. PITTSBURGH February 15, 2007 RE: CACV OF COLORADO LLC vs. LEWIS BAKER AND SUSAN BAKER COURT #: 06-1811 CIVIL TERM TO THE SHERIFF OF CUMBERLAND COUNTY: PLEASE LEVY ON ALL PERSONAL PROPERTY OF THE DEFENDANT(S) AT THE FOLLOWING ADDRESS(ES): LEWIS BAKER 414 S HIGH ST MECHANICSBURG,PA 17055 PLEASE CONFIRM SERVICE BY SENDING NOTICE TO: WELTMAN, WEINBERG & REIS, CO., L.P.A. 2718 KOPPERS BUILDING 436 SEVENTH AVENUE PITTSBURGH, PA 15219 (412) 434-7955 WWR# 04564924 ~ .-. WELTMAN, WEINBERG & RBIS Co., L.P.A ATTORNEYS AT LAW 2601 Koppers Building 436 Seventh Avenue Pittsburgh, P A 15219 (412) 434-7955 CLEVELAND. COLUMBUS. CINCINNATI. PITTSBURGH February 15, 2007 RE: CACV OF COLORADO LLC vs. LEWIS BAKER AND SUSAN BAKER COURT #: 06-1811 CIVIL TERM TO THE SHERIFF OF CUMBERLAND COUNTY: PLEASE LEVY ON ALL PERSONAL PROPERTY OF THE DEFENDANT(S) AT THE FOLLOWING ADDRESS(ES): SUSAN BAKER 414 S. HIGH STREET MECHANICSBURG,PA 17055 PLEASE CONFIRM SERVICE BY SENDING NOTICE TO: WELTMAN, WEINBERG & REIS, CO., L.P.A. 2718 KOPPERS BUILDING 436 SEVENTH AVENUE PITTSBURGH, PA 15219 (412) 434-7955 WWR# 04564924 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 06-1811 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due CACV OF COLORADO LLC, Plaintiff (s) From LEWIS BAKER AND SUSAN BAKER, 414 S HIGH ST., MECHANICSBURG, P A 17055 (1) You are directed to levy upon the property of the defendant (s)and to sell LEVY ON ALL PERSONAL PROPERTY OF THE DEFENDANTS . (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify himlher that he/she has been added as a garnishee and is enjoined as above stated, Amount Due $4,912.42 Interest $177.66 1.1. $.50 Atty's Conun % Atty Paid $135.68 Plaintiff Paid Due Prothy $1.00 Other Costs Date: FEBRUARY 23, 2007 (Seal) ~~~ By: Deputy REQUESTING PARTY: Name BENJAMIN R. BIBLER, ESQUIRE Address: WELTMAN WEINBERG & REIS CO L.P.A. 2718 KOPPERS BUILDERS 436 SEVENTH AVENUE PITTSBURGH, PA 15219 Attorney for: PLAINTIFF Telephone: 412-434-7955 Supreme Court ID No, 93598