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welcome to ftBeneflclal'"
OUR IORfIllWfR; Plua~u fI~~ Ihl,"orm lna uk u. aoy qU8SlIlIoI you may hav.. /0 Ihl. lU'1II WI Iro using Iho WOf~' I, voo 4114 VOII to mean illllf,.uns ./gnlng
an rllllJ!~I.H~l9JlJ!.u..!l.~U9\'111 ill. wordl 'II!..." un!!9.Y! r~!!. 0 Oonollolal, Ihu 0,,41101,
~Imllallon ot 1111 AMOUNT fiNANCED 01 .,....lmQ.Q ,,__
'_..ll.,~' '. Arnau"t Glvon to you ~lroGlly by u. (Ch,cillri you)
'_.,., Ul2,ei Alllount paid 00 you, IGGoonl
(N" 8./.,,,.,Pr/or AC(,oum)
32,1,"!L Amount paid to Olhl'. 00 vour blhuW
Cium 01 Ntml A Ihrough , bll<lW) , 00
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Disclosure of Credit Costs
CrBd~or;
,
Phono Numbllr: (717)7616200
A, 60h,401. A Subtotal
0, ~Wu In30110Gl Co.t paid to InBuronGI
oompany
o Ols.~lIity InsurlncI Coal paid 10
Inlurancllomplny
Q, PlIuonal Property Inuuraneo Prollllom
paid to InaurancI Gompany
E, InVOluntary Unomploymlnt In,uranoo Cost
paid to In,uranc. company
f, Schodul. B Totll
L__,,1QQ,QQ Prlplld flnan" Charg.
BENEFICIAL CONSUMER OISCOUNT COMPANY
4910 CARLISLE PIKEi S IE 104
MECftANICSBURG PA 17055
Account Numbvr: (2181951.1
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STARE 6R'MR'ERIC'JEANNE-~) r-.'
4 RICHLAND I.N T2 ,G
CAMP HILL,PA,17011 <!.. ,
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OateOi'loan 131 Out O~I' Flnal-OuIDII. 1st Instal.
06125/92 07l25m 06/25191 $9',00
. - .,_...~--- ..-..
AMOUNT FINANCED: The amount 01 credit provldld to you or on your blhal',
53092,00
TOTAL OFPAYMENTS: The amount'you 'will pay, W you pay li'scheduled
55100,00
I Ree/donco Add.." Knot Ih. I..,al
fo be paid In All Monthlyl;\siiiiii;;ntllll duo on
60 tho sam. day 01 \hI month as tho
Mo, l11stllm.nls 15\ DUI Dlt.,
._. - __.~~_ "_'n' ._.._... ,_..__...__.._.
fiNANCE CHARGE: Tho amount thl credK will oost you, W you pay a~
sGhedulld, $
2608,00
ANNUAL'PERCENTAGE RATE:-Th; cost 01 your clldlt Ie a yoarly ,al..
21,32 %
Otti;rinslals~'
59',00
CrN" Inurlfa': Or.dlt III., credit disability, Ind credit Involuntary unlmployment Insurance ara not Ilqulred to obtain credlt.lnsurancI will not be provl~ed unl...
you Igrll to pay \he additional cost by ulgnlng belCIW
CREDIT INSURANCE
" '-'----"---.-.-~natur.
_'__'n'_' "_'_"M ______.__..._
o I wlnt SIng10 life Insuranc.
o I wlnt Single Llro and Slngll Dlaabllltj Insuranc.
00 I wanl Joint lira In'urlnc.
o I want Joint LII. and Slngl' DIII~lIlty Insurance
o I wlntlnvoluntary Unlmployment Insuranc.
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..___ ..... _.~.._.fi
LW. 0 Single IlD Joint '_,~!L
Disability
o I do nol want Lill Insuran~.
!XlI do not wlnt Ol.ablllty Insuranc.
o I do nOl want Involuntary
Un.mploymlnt Insuranc.
. I Hie I eonNrllllllfbo.a
~ Of
", ITOWII'I g
Joint UI. ~I~~g~~~_;.t~~. IlD .I.~an~~::. 10surMC~___~_ ~~!'Of~" ~'r
',opally Inulnce: You may obt,'n property InSurancI Irom anyon. you want. II you obtain thO InouranCI through Ul, you will p~y thl Porsonal Property In~u'.nCl
Promlum or '..itQ! ,
'rep.y....I: W you payoff larly, you w'i1j'jjg .ntltled to . r,'und 01 pa,t of Ihe Finne. Chll',
lata CUrge: W your paymlntl. lat. (not paid within 10 days eher Ihl Oue Date), you will b. chargld I Lat. ChJrgl uniteS the Inatalm.nt 1$ ,xI.nd.d, The Lltl
Chorge Is calculalld by mulllplylng the unplld amount of tho paym.nt by ,OOO~% (bmd on tho rals or , ,~O% pll month dlvldl~ by 30) lor uch
day from the duo dltl to the date you pay thl full payment Minimum Late Coa'g' - '100,
hurlty; YOlll loan 1.0 unsleured Illl<slcured If seeurld, you IrQ giving US a oecurlly Inlerest In:
lJ Motor Vlhlcls n Ce~eln Housohold Iloml
o Property purchased with proc.eds of Ihlsloan (dmllbo)' __,
Your It.ml,allon of 1M Amount Flnanc.d I" shown Ibov~,
GOI yoor loan Agre.menl for any .ddlllonallnflllmation a~out nonp,lymll1t, ~e'ault anu any required repJymenlln full bMor. the schldul.d date and prepayment
rerunds, r':XIIIIlI'I' "^"
. 0,00
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InVOluntary lInlmployment
f'C' "lr,~ n^ "" '1irl"J\
P.'I1" 1 nf 1
N~",. ul BurlOw.r: ~r "Hi: ~H,MH,tHIO,J~ANNb
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SCllfOULE A
To; __'..'" .h ,.
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To, ____.._'_..h.mu' .., h...,.,__~
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Schedule A Sublotal' ,
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90h10ul. A Tol~I' 57 ,~~,...,_
....fu!E!1lement - Ilemllatlon .Qwmount,U!l.i!!!.<19.Q.,_,___
S~HlUIJLt u
I'tllWNAL I'IWl'tlllY rH~
Non-Filing InsuranclJ PrfJmluln t . , , I , , , , , , , , I , t , I ...~
tln,,,,oln~ !IIJll",.nl '" ' , , , . . , , . . . , . , . , . . . . , . .
rQrmlnatlon S1atomonl ~80 (prmnl), . , . , . . , , . . . . . ,
TIU. Tlilll~'.r FoUll .. ",..,.. I , , I . I I , I I I I . I , .
10,00
---
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Check To You. , . , . . , ,
Sehl)do\o B Total, I , , . , . , , , , , , . , . I I I I . I . , . I , .
1Q.00
LOAN AGREEMENT
'____ 3092,00 Arno~nl Flnancea pfUI
0..... 100,00 SQrvlce Charge pillS
'''__'''__h~ DiSQOunl eqllal,
'__~!Q!t9!2 l'OTAL OF PAYMENTll
25,7g '" por year - Rate 01 Ghur~o
[---'-'~~rge.'~~..~~~~OI\1~.~~e o:e _____ I
PROMISE TO PAY: You promise to pay uS the Total ot Payments shown above, You will pay U,e 1st Instalment on the 1st Uue Oata and tha Other
Inslalmenls on the sama day ot every month through the Final Dua Date,
DISCOUNT: The Discount shown ebove Is 'Igured on tile TOIal or Payme'1ls at the Ol5cOImt Rate shown below, We have calculated the Olscount It
that Discount Rate tor the period between the date the Discount starls to become due and the Final Due Dale even though this loan la payable In
Instalments, The Oisr.ount then Is deducted from tha Total ot Payments,
The Olscounl Rete Is $ 9,50 per $100 per year 'or Ihe tlrst48 'MllthS and $6,00 per $100 par yaar tor the rernalnlng term of loen,
SERVICE CHARGE: The nonrefundable Service Charge Iii calc~laled on the Tlltal 0' Payments at the rate ot $1,00 tor 8ach '50 Of part of $5001
lhe Total ot Payments up to a maximum of $100,00,
EXTENSION: An extension arises 'rom a written agreement, other than this Agreement, 10 postpone one or more scheduled Instalmants to the end
of this Agreement, The Final Due Data, as originally scheduled (In the case 0' the first extension) or as previously axtended (In the case of all extensions
other than the first extension), Is the end of this Agreement.
It you and we agree In writing to extend one or more Instalments and you do not Intend to make up any missed Instalments In the meantime, we
will charge you an Extension Fee equal to the Mn Of the wholly unpaid instalmants remaining In the coWacl term multiplied tJi 1 '/.%. Al the time
of any extension, the Final Due Date, a~ orlQinal~ scheduled or as extended, shall be sot ahoad one month for each extended Inatalment.
If an Instalment I.malns wholly unpaid lor 60 days or more after Its due date. we may tXlend tllallnsl.llmenlto the end Of thle Agreement, without
your consent. If we do so, we will oharge end collect an Extension Fee for such extended Instalmenl. We will deduct the Extension Fat from your
next payment. However, If you pay liS all of the Instalments In default, we will not, without your written consent, collect Extension FHS, We will nOl
Charge you an EXlens,on ~ee and a Late Charge for the same late instalment.
LATE CHARGE: We will Charge you a Late Chargalf you do not pay the full amount of an Instalment wtthln 10 days alter Its due date and the Instalment
Ie not extended, Ihe Late Charge Is calculated on the unpaid amount of the Instalmont at tl1e dally rate of .OOOM~ (based on the rate ol1 ,~O% per
month being divided by 30) tor each day the Instalment remains unpaid, TI,e minimum Late Charge Is $1,00,
PAYMENT IN ADVANCE: You may prepay Ihe amount you owo In full Or In part at any time, if you prepay lhe loan In full betore Ihe Final Due Dale
or any extended final due date, we will use the Aule of laths Method 10 calculate your credit for the unearned Olscount. We will calculale your cred~
as Of the next Instalment due date that follows the date oj propayment. If yo~ prepay ttle loan during an extension period, we will give you an additlC\l1sl
credit for the unearned E:denslon Fee,
PROPERlY INSURANCE, You will keep the propeny securing thiS loan Insured against loss by tiro, thel1 or comprohenslve risks and neme us os I
loss payee, If the Pro~rty Includes a motor vehir.le, you will insure tile motor vehicle against loss by collision,
~E ~a4 PA,2e (3,9?)
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N.,.,., flu"o.wor; IIrAll1 e1l,MA,IAIO,JEANN~
""gum No.1 OaltlWOll
~
ATTORNIY 'ne, We may charge all~ collQCl 110m yo~ . reasonable attorney'1 too pl~S allY court cosls n we bring IU~ on Ih'elOan Agr.ement.
'11'011 CHICllllnUIlNl1,I UNPAID: If you give us i CrlOl;k tnalls return.d unpaid you will pay tne actual cllargos cllarged by the Iln.ncla' InlUlutlon
upon whiCh Ih. check II d,aw/IlJp to a mixlmum 01 $20,00
D!fAULT: It you fall 10 makw allY paYlllent wrlon elle, wo can dornand Imm.dlate payment of It,e onllro 'Plount you owe,
'fCUNTY. You ere glvlllg us . secullty IlIterwst 111 UIU pWlUonil proporty ahown In the SecurllY subsection 0' Ih. DlllClosuro 01 Crodll COlli IhOWn
on Page 1, ~ persorlal property II descrlbfld In mort detail In thl Idenlifieation 01 Security lorm wtlich 'I P'" oIlhle loan Agreement.
A1'PLlCAIU LAW: TlIO Pennsylvania Consumer Discount Company Act (CUCA), r~lo f, SectIOns 6201106219, Purdon'l PennlylV.n" 8taliAel,
QO'Ierns this loan,
CDNTINUATIDN 1,1, PUIlCHAS. MDNEY IiCUIIITY INTERIIIT 0 (Ctlock box II appllcibIO): I hiS loan reprlSlrllI I conversion 01 Benoharge ACcount
No. , and tlie Ilums originally advanced lhoreundor constilull . part 01 this loan. You agree thaI the purchale mot111V lIllurl\'
Intel"l al BenellclalCOnsumer Discount Company ~t:v'1 Benoharge Credil SOIVlee In Ule gOOds purchasild using thl above ldentilled 8enoharge
Account shall sUlVlve lis convers n en remain In tull lorce Ind effect. S-- C":'~~
::: ..~ i~"'~~~_'r~~_~==mm -~.- (StIQ
~,ftrr.cOOa't;fow.;ilf~i;r".'!.~~'--"=---- (SO)
Wine,,; ..,~-- -",.._, ___,._."______._ -'__mum. Ifgii.UiloIl'tiid8oiioweT(lIljip1Ciiltj'------h,..........-- (S..I)
Wilnllll; _ (Beall
~e Of Oo,Owner Of1roprriY~clMliOiiiTi lOin (Wllitlicitilt)
'TAUM!NT or CONTIlACT: This comblnallon OlsclQSUII at Clldll COlt. and lo~n Agreement 111'1"11 the Staltment of Contraol requlrtd by Section 1216 ~ the
COCA. under which we mak, you tills loan a~ I crlCA Ilcenlu,
CREDIT PROTECTION INfORMATION
c,.." LII' IB' Cr.11 Dil.""ty Prot,ctiu, Th' Grldltlile end oredlt dl$lblll1'f prolicllon Is written by 1M Central Nationel L~, 11I5urenc, Company of Omaha, whloh
Ie efflllattd willi us, W. will not act as aglnt. broker or lIducl.1V tor you on the loan Ind we may obtain some benefit 'rom the sala 01 that elld" protlollon,
Ino'lI'ary UI'lIpIOYIIII' 'IOIaette.: Thl oredltlnvoluntary enemployment pfOlectlon il wllttln by Amlrlcan Centennlallnsurlnoe Company. We will nOlaolaa
Iglnl. broklr 01 ftduclalV tor you on !hI lOin Ind we may obtain soma benefit from the sale oIlha! crldll protlclion,
NOI.flllal IIIIlrIBII: Thl Chlttel Mo~gagl Non'flllng Inluranel Polley lor whloh we Colll<ll Ih, Non-filing Prlmlum Will IlIuld to UI by Amlliaan Cantennlal
InsuraMI Company,
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nut.1WlQl;i
I vetity that the .tetement. made in th!. Complain; are
t~u. and Ootrect. I undet.tand that tal'l seatement. hlfein
.te made 8ubjeQt to the pen.lti., of 10 ,.. C,S. Seotion 4804,
relating to un,worn
DATED I
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6. r'enied, On the oc)Otrary, the Defendants have offered to
sub_it partial payments in li~ht of temporary financial conditions
and have r.qu~sted extenMiqns, all of which have been rejected by
the Plaintiff.
7. Admitted 1n part, denied in part. It is admitted that.
the Defendants did not make the payment due on or about August 25,
1993. In further response thereto, the Defendants, through
oounsel, notified the Plaintiff by letter dated August 17, 1993, of
t.he oiroumstances eurrounding their inabJ.1ity to submit the
payment, It is further admitted that the Plaintiff continued to
demand .immediate payment of the entire amount owed despite reoeipt
of said prior notification from Defendants' oounsel and the
willingness to make partial payments and extend the loan. It is
denied that the Defendants failed to make any payment when due. On
the oontrary, by Plaintiff's verified averment, the only monthly
installment in queetion wae due on or about August 25, 1993.
8. After reasonable investigation, Answering Defendants are
without sufficient knowledge and information to form a belief as to
the truth or accuracy of the averments of paragraph 8 and the
current balance of the aocount, and accordingly, said averments are
denied. striot proof thereof is demanded at the time of trial.
9. The dooument referred to in paragraph 9 of the Complaint
speaks for itself and no answer to said averment is required under
the applicable rules of civil procedure.
-2-
WHEREFORE, Answering Defendant., Erio star., B~. and Jeanne
stare, pray that judgment be entered in theil' favor and agl\linst the
Plaintiff with oosts,
COUNTERCLAIM
By way of further answer, Answering Defendants aver the
following Countol'claim in accordance wJ.th Pa.R.C. P. No. 10311
10. without the prior authorization of the Defendants,
Plaintiff has oommitted unfair or decoptive acts or practices by
communioating with third parties and Defendants' children seeking
contribution toward the alleged sums due and ow ng.
11. That as of August 17, 1993, the Plai tiff was advised
that the Defendants were represented by logal co and that all
further correspondence with regard to collectio of this account
should be submitted through its offices. A true and COl'rect oopy
of said correspondenoe is marked Defendants' Exhibi.t "A" and is
incorporated herein by reference.
12. On numerous occasions subsequent to the oorrespondenoe
dated August 17, 1993, employees and/or representat,ives of the
Plaintiff abused or harassed the Defendants by telephone.
1.3. On numerous occasions subsequent to the correspondence
dated August 17, 1993, employees and/or representatives of the
Plaintiff abused or harassed the Defendants by household visits.
14. Plaintiff failed to follow ths inst.ructions of
Defendants' counsel in violation of Section 303.4(10) and (11) of
the Unfair Trade Practicea and Consumer Protection Laws ae
-3-
~AlW U""'IC'.
ALlilCANOIiR E, llPMIN
ALY'N B MAR."ALL
HOnR" N, BOIIORAlI
AIOttAHO THOAHIlJRQ.
g. JOUN PRIOI, JR.
MAfU( SIiMANOUUC
KARIN E. RI.MILLiR
KA HtI.iliiN U CALLAC,utAN
LIPKIN, MAARtlALL. BOtlotlAD & THOtlNBLJAG
AI ""or..,tONAL outulO"... flON
ONE NORWIiOIAN "'lALA
P.O. URAWEH i(
POTHIYlllli, PA II~O I
. AL.IiO Mu...... NJ .....
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llt1, .1.-..100
1/)4 IAeT O"ANg AV'Hue
Tow... (lrrv, PA 17..11
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AeHlANU, PA '1tJ I
tit" IlI.aUI
... N, '.6-LlIT ITMI'T
F""QKVILLI, PA nUt
"'''1 '74.4700
Auguot 17, 1.993
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J. Neal Shawver, Manager
Benefioial Consumer Discount Company
4910 Carlisle Pike, Suite 104
Hampdon Centre
Meohanic,sl:lurg, PA 1'1055
Re: Eric and Jeanne Stare
Account No. 52181958
Balance: S)~',5A
Dear Mr. Shawver:
Be advised that this office has been representing Mr. , Mr..
Stare for: a number' f)f years with regard to debt collection
prooeedings. As you are aware, the finanoial difficulties arose a.
a result of uncovered medical bills related to Mrs.Stare's heart
condition and the need for a heart transplant. Mrs. Stare is
presently on a waiting list for same at the Hershey Medical Center,
Although my clients acknowledge the indebtedness and are
committed to its satisfaction, they are unable to do so aft quickly
as you would like, As to the initiation of legal proceedings, we
believe that the ultimate outcome will be that the stares are
j udqrnent proof, My cl ients hold no interest in any real estate,
and whatever personal belongings remain in their possession, they
are either encumbered or are in such condition as to be of little
value, I do know, however, that one avenue which they may explore
to satisfy this indebtedness may be an action against you for the
breach of the applicable provisions of the Fair Debt COllection
Statutes. Your conduct on Friday, July 30 and Saturday, July 31 is
not only uncalled for but actionable under law, Y.ou are hereby
notified that all further correspondence with regard to this
account must go through this office and that you should desist
immediate 1 y from any personal, telephone, or wri tten correspondence
with the stares or member.s of their family,
Notwithstanding the ~bove, the stares are prepared to propose
the payment of $20,00 per month against the outstanding balance as
EXHIBIT
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AlL.I1AU"INnltNAl'IONAL
!lAllII!l, (;IJIIIO
.. MA!lI.ANII
21'1 W. tli."h 'itr~'~'l
('1H1i,1(', P,'
BENBlFICIAt. CONSUMER DISCOtlN'r
COMPANY,
IN TilE COURT Of' C;OMMON PI,lo;AS Of'
I CUMBERLAND COUNTY, PENNSYLVANIA
:
I NO, 7 1994
I
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Plaintiff
v,
ERIC STARE, SR. and
JEANNE S~'ARE,
Defendants
IT! I'ULAT ~O" 'OR B:rI\I.,J2L JUDGMIItT
AND NOW, comes the plaintiff Beneficial Consumer Discount
Company, by and through its attorney Johnna J, Deily, Eequire,
and Eric Stare, Sr, and Jeanne Stare, by and through their
attorney Mark Semanchik, Esquire, and hereby stipulate as
follows:
1. On or about January 3, 1994, the Plaintiff filed a
Complaint against the Defendants for a judgment amount of Four.
Thousand Eight lIundred Eighty Two and 56/100 ($4,682.56)
Dollars,
2, Without admitting or denying the allegatione in said
Complaint, Defendants are agreeable to the entry of the
jud~nent of Fo.r Thoueand Eight Hundred Eighty Two and 58/100
($4,662,56) Dollars.
3, Through both parties' attorney, an agreement has been
entered to enter judgment to be executed concurrently with a
Forbearance Agreement,
WHEREFORE, the parties respectfully request Your Honorable
Court to enter judgment in favor of the Plaintiff and against
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