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Home My WebLink About02-3351WAYPOINT BANK, Plaintiff V. RASHAAN M. ELAM Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW NO. 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 LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 (717) 249-3166 / (800) 990-9108 KEEFER WOOD ALLEN & RAHAL, LLP Date: July 12, 2002 By: Eugene E..Pi~pinsky, Jr. Attorney I.D. #23702 210 Walnut Street P.O. Box 11963 Harrisburg, PA 17108-1963 (717) 255-8051 Attorneys for Plaintiff WAYPOINT BANK, Plaintiff V. RASHAAN M. ELAM Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW NO. NOTICIA Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene viente (20) dias de plazo al partir de la fecha de la demanda y la notiflcacion. Usted debe presentar una apariencia escrita o en persona o pot abogado y archivar en ia corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede entrar una orden contra usted sin previo aviso o notificacion y por cualquier queja o alivio que es pedido en la peticion de demanda. Usted puede perder dinero o sus propiedades o otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABODAGO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERViCIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECClON SE ENCUENTRA ESCRITA ABA JO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASlSTENCIA LEGAL. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Cadisle, PA 17013 (717) 249-3166 / (800) 990-9108 Date: July 12, 2002 KEEFER WOOD ALLEN & RAHAL, LLP Eugene E. Pepinsky, Jr. Attorney I.D. #23702 210 Walnut Street, P.O. Box 11963 Harrisburg, PA 17108-1963 (717) 255-8051 Attorneys for Plaintiff WAYPOINT BANK, Plaintiff V, RASHAAN M. ELAM Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW NO. D~- .~'/ COMPLAINT 1. Plaintiff is Waypoint Bank, successor to York Federal, a federal savings bank, with its principal office at 235 North Second Street, P.O. Box 1711, Harrisburg, Pennsylvania 17105. 2. Defendant Rashaan M. Elam, is an adult individual living and residing at 34 North Hanover, Apartment #~, Carlisle, Pennsylvania 17013. 3. Defendant, as buyer, entered into a Pennsylvania Motor Vehicle Installment Sale Contract with West Shore KIA. A true and correct copy of the said Pennsylvania Motor Vehicle Installment Sale Contract is attached hereto, made a part hereof and marked Exhibit A. 4. The Contract was subsequently assigned to Plaintiff. 5. Defendant defaulted in his/her obligations under the Contract, and the Vehicle was repossessed. -2- 6. Subsequently, Plaintiff sold the Vehicle, leaving a deficiency balance owing in the amount of $8,828.73. 7. Despite Plaintiff's repeated demands, Defendant has failed and refused and continue to fail and refuse to pay the current balance owed to Plaintiff under the Contract. WHEREFORE, Plaintiff demands judgment against Defendant in the sum of $8,828.73, together with interest, attorneys' fees and costs of suit. KEEFER WOOD ALLEN & RAHAL. LLP. Date: July 12, 2002 By: e~-~k~ Eug y, Jr. Attorney I.D. No. 23,702 210 Walnut Street P.O. Box 11963 Harrisburg, PA 17108-1963 (717) 255-8051 Attorneys for Plaintiff The undersigned. 1. 2. 3. /..~ ~. /1,~j,'~ ~ . hereby verilte, and states that: ($)He i~ .. A I/p of Ha~s Sav~ngs Bank. Plainti~f herein; (S)He Is authori~.ecl t~ make this Veriltc~tion on its behalF, The fac~ sat fo~h In ~ foregoing Complaint am tree and corm<;t to the best of (l~ar)his knowledge, Informa~n and belief; and 4. (SHe Is aware that false statements herein am made subject to the penalties of 18 Pa. C.5, § 4904, relating to unswom falsilication t~ authorities. Dated: MAY 14,2002 MOTORVEHICLEINSTAtLMENTSALECONTRACT, caled_ 0~) I )~1c ANNUAL ' FINANCE Amount FiRanced Total of Payments Total Sale Price PERCENTAGE RATE CHARGE he amount of credit provided The amount you wal have paid after you The total Costof your purchase on %i $ $ $ S ..... ~ Prepayment: U you pay off early, you will not have to pay a penalty TRADE-IN: You have traded in the foaowinR vehicle: Cash Downpayn~ll~lo I~ $ Unpaid $ To Credit Insura n~/~qnpa ny $ Finance Charq ~.g14' $ $ NARRfS SAVINGS BANK, 235 Nor[h Second Street, Harrisburg, Pennsylvania 17105 payments Of $ each, an~l.~i~l~r payment of send payments to the addless which the ,~s~i~nee mo~t J~cently specifies kl Ihe written n~ce to you, FRONT ANO REVERSE SIDES, SELLER hate NOTICE TO BUYER--DO NOT SIGN THIS CONTRACT IN BLANK YOU ARE ENTITLED TO AN EXACT COPY OF THE CONTRACT YOU SIGN. KEEP IT TO PROTECT YOUR L_~G. ~,~ RIGHT.~ ~5/~1/'9~ I BUYER (SEALJ ~ CO-SIGNER: YOU SHOULD READ THE NOTICE TO CO-SIGNER WHICH HAS BEEN GIVEN TO YOU ON A SEPARATE DOCUMENT, BEFORE SIGNING THE CO°SIGNER'S AGREEMENT. orEiveawaymevemcl~.'l~someonepu a eno, theYehicle youwirlpaytheobl[Eationan, c You do not keep any prom e you made in another Contract Note, Loan or~a~eeme.~ Buyer's Guide Window Sticker. If the Car WhiCh is uesc[ioeu on me Iace of this Contract nas a Buyer's Guide Window Sticker requl~eo Dy Ihe Federal Trade CommAssion Used Cur Trade Regulation Rule, the following notice applies: The information you see on the window form for this Vehicle ip part of this Contract. Informatio~ on the window form overrides any conTrary provisions in the contract of sale. NOTICE--ANY HOLDER ~)F THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD NSSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAI NED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER RY THE DEBTOR SHAh/. NOT EXCEED AMOUNTS PAID BY THE DERTOB HEREUNDER NOTICE OF PROPOSED CREDIT INSURANCE ....... . ...... e~ , o chage ndcaed o e ch type of C ed nsurance to be pu chased Tfletermof WAYPOINT BANK, Plaintiff ¥. RASHAAN M. ELAM Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION-LAW NO. 02-3351 civil RESPONSE 1. AdmiRed that Waypoint Bank is Plaintiff. I deny they are located at 235 North Second StreW, P.O. Box 1711, Harrisburg, Pennsylvania 17105. Please show proof in court. 2. AdmiRed that I am Rasbaan M. Elam, Defendant I deny that I live and reside at 34 North Hanover, Apasitc~nt #4, Carlisle, Ponnsylvania 17013. 3. Admitted to entering into a contract with West Shore Kia. Admitted that a copy of said Pennsylvania Motor Vehicle Installment Sale is attached. I deny that it is a full, true, and correct copy. Please show proof in court. 4. Admitted that said contract was subsequently assigned to the Plaintiff 5. Admitted to defaulting in my obligations' due to the complications of pregnancy. 6. Deny that the Plaintiffsold the afure-mentioned vehicle, leaving a balance owing in the amount of $8,828.73. Please show proof in court. 7. I deny that repeated demands by Plaintiff have been made and were refused by Defendant to correct afore-mentioned balance. I deny that I have been contacted prior to this point in time. Please show proof in court: Date: AugUSt 12, 2002 RASHAAN M. ELAM RashaanM. Elam 70 W. South St. Apt.#2 Carlisle, PA 17013 Defendant