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DICKINSON COLLIGE,
Pldnt:1ff
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IN THE COURT OF COMMON PLlA8
CUMBERLAND COUNTY, PENN8YLVANIA
CIVIL ACTION - LAW
NO.
v.
RICHARD P. LANDESS and
CATHERI"I M. LANDBSS
A/K/AI MARY LANDESS
Defendant.
.
.
,
.
I
COII.UIII'I
1. plaintiff, Dicltin.on College, ("Dicltin.on") i. an
.ducational in.titution of higher learning which aaintain. a
.ailing addre.e of P.O, BoX 2896, carli.le, Penn.ylvania 17013.
2, Defendant., Richard p, Lande.. and catherine M. Lande..
a/It/a Mary Lande.., are adult individual. who.e la.t known
addre.. i. 117 point Plea.ant Drive, Key Largo, Florida 33037-
2US,
coUll'l I
3. paragraph. 1 and 2 are incorporated herein by reference
theretO.
4. On or about october 1, 1984, Defendant. entered into an
Iducationel Goode and service. Retail In.tall.ent contract
(her.inafter "Fir.t contract") for expen.e. incurred for good.
and .ervice. to be provided and rendered to Laura Lande.., by
Dickin.on during the 1984-1985 acade.ic year. A true and oo~~tot
copy ot the Fir.t contract i. attached hereto and ..de a part
hereof a. Exhibit "A",
5. On or about January 1, 1985, Detendant. entered into an
Educational Good. and Service. Retail In.tallment Contract
(hereinafter "Second Contract") tor expen.ee incurred tor good.
an~ .ervice. to be provided and rendered to Laura Lande.. by
Dickin.on during the 1984-1985 academic year. A true and correct
copy of the Second Contract i. attached hereto and made a part
hereot a. Exhibit "B",
6, On or about August 1, 1985, Detendant. entered into an
Educational Good. and Service. Retail Installment Contract
(hereinatter "Third Contract" tor expenses, incurred tor good.
and .ervice. provided and rendered to Laura Lande.. by Dickin.on
during the 1985-1986 academic year, A true and correct copy of
the Third Contract is attached hereto and made a part hereot a.
Exhibit
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incurred tor ,._.-11_ ",..'i.):',
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Lande.. by Oicld....-"m
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and correct copy 01 ,T':j,
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7.
On or about January 2, 1986, Detendant. entered into ~,
Educational Good. and Services Retail Installment Contract
(hereinafter "Fourth Contract" tor expenses
and .ervice. provided and rendered to Laura
during the 1985-1986 academic year,
A true
the Fourth Contract is attached hereto and made a part hereof
Ixhibit "0".
e. Under the terms of the First Contract, Defendant.
agreed to pay Dickin.on Two Thousand One Hundred Thirty-pour
Dollar. ($3,134,00) with intere.t at the initial rate of II' per
- 3 -
annum in forty-three (43) equal monthly installments of Nineteen
Dollars and Fifty-Six Cents ($19,56) commencing on Noveaber 1,
1984 and at the rate of 10.992' per annum in .eventy-two (72)
equal monthly installments of Forty Dollars and Sixty-One Cents
($40.61) co..encing on June 1, 1988,
9, Under the terms of the Second Contract, Defendants
agreed to pay Dickinson Two Thousand Nine Hundred Eighty Dollars
($2,980.00) with interest at the rate of 13.995' per annum in one
hundred forty-seven (147) equal monthly installments of Forty-Two
Dollars and Forty-Eight Cents ($42.48) commencing on February 1,
1985.
10. Under the terms ot the Third Contract, Defendants
agreed to pay Dickinson Two Thousand Five Hundred Dollars
($2,500,00) with interest at the initial rate of 10,996' per
annua in thirty-two (32) equal monthly installments of Twenty-TWo
Dollars and Ninety-Two Cent. ($22,92) commencing on October 1.
1985 and at the rate of 10.996' per annum in seventy-two (12)
,
equal monthly installments of Forty-Seven Dollars and rifty-~'"
Cents ($47,58) commencing on June 1, 1988,
11, Under the terms ot the Fourth Contract, Defendant.
agreed to pay Dickinson One Thousand Nine Hundred Dollar.
($1,900,00) with interest at the rate of 10.492' per annum
hundred thirty-six (136) equal monthly installments of Tvent,-
three Dollar. and Ninety-tour Cents ($23,94) co..enolng
- 3 -
rebrua~ 1, 1986, (Contract. one through four are hereinafter
oolleotively referred to a. the "Contract.").
12. The Contract. further provide that "( i J f a payJIent b
.ore than 15 days late, a .um equivalent to 5' of the late
payJI.nt (but no more than $2.50 and not le.. than $1,00) ..y be
char9.d."
13, Th. Contract. further provide that if an ev.nt of
d.fault of the Contract. occur., and i. not cured by the
borrow.r, Dickin.on had "the right to declare all .UIIIS due on the
Contract to be i_.diately due and payable."
14, On or about March 11, 1992, the Defendant. defaulted on
their Obligation under the Contract. by failing to make the
required monthly payments when due.
15, The total amount which became due and owing, consi~-
ing all paYllent. made to Dickinson under the Contracts 1& r.- ':
t..n Thou.and One Dollar. and Eighty-rive Cents ($14,001.1'),
which include. interest through December 8, 1993.
16, Dickin.on has demanded payment of the obligati.,
t ':1
to it by Defendant., but D6fcmdants have failed and r.t....',:
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_Ile payJIent, , .J,:,,}
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WHEREfORE, Plaintiff demand. judgment again.t the
in the sua of fourteen Thousand One Dollar and
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(114,001.'5), plu. interut at $1.396 per diem fro. o.CW"rI..""
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1993 until Defendants' obligation i8 paid in full, plus .....i,
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suit, which sum does not exceed the jurisdictional limit for
compulsory arbitration,
COUll'!' n
In the alternative, if this Honorable Court should determine
that an expres. contract betwe.n the parties does not exist,
which is denied, Plaintiff pleads the following:
17, Paragraphs 1 through 16 inclusive are hereby incor-
porated herein by reference.
18, Having requested Dickinson College to loan money and
doing so to the benefit of Defendants, Defendants became liable
to Dickinson College for said money.
19, Defendants have been unjustly enriched by accepting
said money without paying Dickinson College reasonable compen-
eation therefor.
18. The total amount which Defendants have become enriched
Oll account of the money loaned is Nine Thousand Five Hundred
Fourteen Dollars ($9,514.00).
19. Dickinson College has demanded that Defendants pay this
amount but Defendants have failed and refused to do so.
,
WHEREfORE, Plaintiff demands judgment against Defendants i" .,
the sum of Nine Thousand rive Hundred Fourteen Dollars
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"
'I,,':
VBRIPICATION
Subjeot to the penalties of 18 Pa. C.S. 54904 relatin; to
unevorn fal.ification to authoritie., I hereby certify that I ..
Tho... 8. Meyer ot Dickinson College, and I am authorized to
verity this Complaint on it. behalf, and further, that the tacta
.et torth in the foregoing Complaint are true and cOrrect to the
baat of my information and beliet.
Oatecll
~.~
T oma. D. rMeyer
.
(,,,,":~ '", .....
DICKINSON COLLEGE FLEXIBLE FINANCING SYSTEM - 2500 PLAN
EDUCATIONAL GOODS AND SERVICES RETAIL INSTALLMENT CONTRACT
Dat. Oc tober 1. 1984
1. S.ller: Dickinaon College, Carl1al., Penn.y1.vania 17013
Buyer(a): Richard and Mary Landess
1425 Foote Street. Conway. PA IS027
If th.r. is more than one Buyer. each of you will be obligated, jointly
and aeverally, for all su~ due and for the performance of all agre.menta aa
provided in thia C~ntract.
Under the terma of this Educational Goods and Services Retail Inatallm.nt
Contract, you have agreed to pay the expenses incurred for aooda and a.rvicaa
to be provided and rendered, as the case may be, to Laura
(hereinafter "Student") durina his/her enrolllll8nt at Dickinson Colle a- during
the 1984-85 _ academic year, including tuition, roolD and board,
booka and auppliea as herein stated (hereinafter the "Goods and S.rvic,s").
The Goods and Services shall include only the following: Tuition and
roolD and board
II. TERMS OF PAYMENT AND PAYMENT SCHEDULE
Disclosures Required by Federal Law
ANNUAL FINANCE AMOUNT FINANCED: TOTAL 01' TOTAL sm
PERCENTAGE CIlARGE: Amount of credit PAYMENTS: PIUCI:
RATE : Dollar Amount provided by Amount paid Total coat of
Coat of credit creJit will Dickinson College by Buyer as purch... on
as y.arly rate cost Buyer total of all credic, in-
scheduled cludin. doVII
Prior to repay- payments pa}'1ll8nc of
ment: 11.000 % $ 8,906,00
Our ina repay-
lIIent: ~l....% $ 1,695.00 $ 2,134.00 $3,829.02 $ 11,040,00
IV, CREDIT INSURANCE
Cr.dit life in8urance for the term of this Contract i8 not requir.d.
V. NO WARRANTIES
TIlER! ARE NO WARRANTIES, EITHER EXPRESSED OR IMPLIED, GIVEN BY SELLlIl IN
CONNECTION WITH SALE OF THE GOODS AND SERVICES COVEIlED BY THIS CONTRACT UNLESS
BUYEIl HAS BEEN GIVEN A SEPARATE WRITTEN WARRANTY.
VI. ADDITIONAL PROVISIONS
I. Buyer agree. to pay Seller the Total Sale Price by makina the total
down payment and payina Seller the Total of Payments in the numb.r and amount
of monthly payment8 8hown in the Payment Schedule. paym.nt8 8r. due on or
be for. the .ame date of each month as the first payment date, Payment. mU8t
b. mad. to Induatrial Valley Bank at the followina addr.ss:
Industrial Valley Bank
P.O. !lox 433
Uppor Darby, Penn.ylvania 19082
2. Buyer's legal riahes include the riaht to pay all or part Qf the aaounU
due on thi. Co~tract in advance of their due dat.s, to obtain a r.fund or cr.dit
of un.arn.d Finance Charge whenever the amount i. paid in full in advanc., and
(with S.ller's consent) to reinstate the Contract if Buyer timely cur.. any
d.fault.
3. . Buyer shall be deemed to have cODllllHted an "Event of Default" of the
Contract upon the occurrence of any of tho following:
(8) failure to make any payment on or before the date it i. due,
(b) failure to make a payment on any other contract outstandina
with Seller,
(c) failure to perform any other provision of the Contract,
(d) providina Seller with fal.. infoTmAtion or sianatur...
(.) death. incompet.nce. or conviction of any Buy.r of cri.. in-
volvina fraud or dishone.ty,
(f) insolvency or bankruptcy of any Buyer.
4. Upon or after the occurrence of any Event of Default, S.ll.r will
provide Buyer with notice. by certified mail as required by law, addr....d to
Buyer'. last known address as sh~vn on Seller'. records. advisina Buy.r of the
d.fault and of Buyer's riaht to cure the d.fault. The notice will provide tbs
t~, amount and p.rformance necessary to cure the default. If Buy.r doe. nOl
cur. the default as provided in the notice, Seller's risht. shall includ. the
[iaht to declare all sums duo on the Contract to be immediately due .nd pay.~l..
-)-
.
5. Waiver by Seller of any event of default shall not be binding upon
Seller if Seller should thereafter choose to exercise that or any other right
or a similar Event of Default occurs later. All Seller's rights and remedie.
shall be cumulative. Seller's exercise of one or more rights ahall not cau..
Seller to lo.e any other rights.
6. This Contract is freely as.ignabla by Seller. Buyer agree. that upon
rec.iving notice of the assignment Buyer shall be obligated to the A..ianee
of this Contract, which As.ignee shall have all of Seller's rights and remedi...
7. If any part of this Contract is held to be illegal, void or un.nforc.abl.,
thet provision shall be deemed not to have been a part of this Contract, which
shall ~therwise remain fully effective.
8. The laws of the Commonwealth of Penn~ylvania shall apply to thi. Con-
tract except to the extent supplemented, superseded or pre-empted by fed.ral
law.
9. This Contract shall be binding upon the parties hereto, their heirs,
succeJsors, assigns and legal representatives.
lO. TIME IS OF THE ESSENCE OF THIS CONTRACT.
NOTICE: ANY HOLDER or THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAW
AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR
SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY
HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
NOTICE TO BUYER: (I) 00 NOT SIGN THIS AGREEMENT BEFORE YOU READ IT OR IF IT
CONTAINS ANY BLANK SPACE. (2) YOU ARE ENTITLED TO A COMPLETELY FILLED-IN con
OF THIS AGREEMENT. (3) UNDER THE LAW, YOU HAVE THE RIGHT TO PAY OFF IN ADVANCE
THE FULL AMOUNT DUE AND UNDER CERTAIN CONDITIONS TO OBTAIN A PARTIAL RErUND
OF THE FINANCE CHARGE.
BUYER(S) ACKNOWLEDGE(S) RECEIVING A COMPLETED COpy or THIS
CONTRACT AND INTEND(S) 0 BE LEGALLY so BY ITS TERMS.
BUYER(S) :
DATE:
DICKINSON COLLEGE
By --H(~~~~
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,.,
,}AN ~ 1 ~
DICKINSON COLLEGE FLEXIBLE FINANCING SYST.tM - 7000 PLAN
EDUCATIONAL GOODS AND SERVICES RETAIL INSTALLMENT CONTRACT
Date January 1, 1985
I. Seller: Dickinson Colleae, Carlisle, Pennsylvania 17013
Buyer (a):
Richard and Catharine Landess
1425 Foote Street, Conway, PA 15027
If thara i8 more than one Buyer, each of you will be obliaated, jointly
and aaverally, for all sums due and for the performance of sll eare.menta .a
provided in this Contract.
Und.r the terms of this Educational Goods and Services Retail Inetall-
ment Contract, you have aareed to pay the expenses incurred for aoode end
aervicea to be provided and rendered, as the case may be, to Laur.
(hereinafter "Student") durina his/her enrollment at
Dickinaon College durina the 1984-85 academic year, includioa
tuition, room and board, books and supplies as herein stated (hereinafter the
"Gooda alld Services").
The Goods and Services shall include only the followins: Tuition and
room and board
II. TERMS OF PAYMENT AND PAYMENT SCHEDULE
Disclosures Required by Federal Law
ANNUAL FINANCE AMOUNT FINANCED: TOTAL OF TOTAL SALI
l'ERCDlTAGE CHARGE: Amount of credit PAYMENTS: PlIell
RATE: * Dollar amoun provided by Amount paid Total CO.C 0',
COlt of credit credit will Dickinson College by Buyer as purcha.. Oft.'
as yearly rate cost Buyer total of all credit, iJIroI.'
scheduled clud:1nl c10W
payments pa~nc .. ,
$ 11,060.00. '
13,995 % $ 3,264.56 $ 2,980.00 $ 6,244.56 $ l1,o.O.~
"
(c) failure to perform any other provision of the Contract,
(d) providina Seller with false information or aianatures,
(e) daath, incompetence, or conviction of any Buyer of crime in-
volvina fraud or dishonesty,
(f) ineolvency or bankruptcy of any Buyer.
4. Upon or aft.r the occurrence of any Event of Default, Sell.r will
provide Buyer with notice, by certifi.d mail .e required by law, addr..sed to
Buyer'e laet known addre.s as ehown on Seller's records, sdvisina Buyer of the
default and ot Buyer's riaht to cure ~he default. The notice will provide the
ti.., amount snd performance neceesary to cure the default. If Buy.r does not
cure the default a. provided in the notice, Seller'. riahts shall include the
riaht to declare all sums due on the Contract to be immediately due and payable.
5. Waiver by Seller of any event of default ahall not be bindina upon
Seller it Saller should thereafter choose to exerci.e that or any other riaht
or a eimilar Event of D.fault occurs later. All Seller's riahts and remedies
ehell be cumulative. Seller's exercise of one or more riahte shall not cause
Sell~r to loe. any other riahts.
6. Thie Contract is freely assianable by Seller. Buyer aarees that upon
receivina notice of the assianment Buyer shall be obliaated to the Assianee
of this Contract, which Assignee shall have all of Seller's riahts and remedies.
7. If any part ot this Contract is held to be illegal. void or unenforceable.
that provision shall be deemed not to have been a part of this Contract, which
shall otherwise remain fully eftective.
8. The laws of the Commonwealth of Pennsylvania shall apply to this Con-
tract except to the extent supplemented, superseded or pre-empted by federal
law.
9. This Contract shall be binding upon the parties hereto. their heirs,
succeesorl, assigns and legal representatives.
10. TIME lS OF THE ESSENCE OF THIS CONTRACT.
NOTICE: AllY ~LDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS
AND DEfENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR
SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY
HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
NOTICE TO BUYER: (1) DO NOT SIGN THIS AGREEMENT BEFORE YOU READ IT OR If It
CONTAINS AllY BLANK SPACE. (2) YOU ARE ENTITLED TO A COMPLETELY FILLED-IN COPY
Of THIS AGREDf.ENT. (3) UNDER THE LAW, YOU HAVE THE RIGHT TO PAY OFf IN A.DY~CI
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EXHIBIT "e"
Buyer'. paym.nt .chedule will be a. follow.:
Nuaber of P. menta Amount of Pa nts
When Pa menta Are Due
32
22.92
monthly commencina Octob.r 1, 1985 ,
and continuina until May 1, 1985
or .uch time al Student il no lona-
.r enrolled It Dickinlon (or in In
approved full-time off-campul pro-
aram of .tudies), whichever il
.arli.r.
72
47.58
monthly coma.nc!na June 1, 1988
or .uch time as Student il no lonaer
enrolled at Dickinson (or in an
approved full-time off-campu. proar
of studies), whichever 11 earlin.
Lata chara': If a payment 1& more than 15 daya late. .a 'UIII equivalent to 51
of the late payment (but no more then $2,50 and not leel than
$1.00) may b. chlraed.
Prepayment: Buy.r may prepay the unpaid balance of the Amount Financld and
any FINANCE CHARGE due throu8h the date of early payment, in full
or in part. without penalty. Paymsnts greater than the payoff
amount but le.. than $3.00 will not be refunded.
SEE SECTION VI or THE CONTRACT BELOW FOR ANY ADDITIONAL INFORMATION AIO\1l' IIOM-
PAYMENT, DEFAULT AND REQUIIU:D IU:PAYMENT BEFORE THE SCHEDULED DATE rOR Ul'AYHDr
OF THE AMOUNT FINANCED.
11
Ill. ITEMIZATION OF AMOUNT FINANCED
t. Cash price of Goods and Services: $ 12,130.00
, 4
2. Total dow paY1Hnt: 9,630.00
3. Unpaid bahnce of cash price (I - 2): 2,500.00
4. Amount paid to o thers on Buyar's behalf: .00
5. Amount Financed (3 + 4): $ 2,500.00
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IV. CREDIT INSURANCF.
Cr.dit life in.urance for the te~ of this Contract is not r.quir.d,
V. NO WARRANTIES
TIlERE ARE NO WARRANTIES, EltHEl EXPRESSED OR IMPLIED, GIVEN BY SELLIR IN
CONNECTION WITH SALE OF THE GOODS AND SERVICES COVEIlED BY THIS CONTRACT UNLESS
BUYER lIAS BEEN GIVEN A SEPARATE WRI'rI'EN WARRANTY.
VI. ADDITIONAL PROVISIONS
1. Buy.r aar.es to pay Seller the Total Sale Pric. by makina the total
down payment and payina S.ller the Total of Payment. in the number and amount
of monthly paym.nts shown in the Payment Sch.dul.. Paym.ntl .r. due on or
b.for. the same date of .ach month a. the first payment date. Pa~nts must
be made to Industrial Valley Bank at the followina address:
Induetrisl Valley Bank
P.O. Box 433
Upp.r Darby, Pennaylvanla 19082
2. Buyer's l'aal riahte include the riaht to pay all or part of the s.ount.
due on this Contract in advance of their due dates, to obtain a r.fund 'or cndit
of un.arn.d Financ. Charae whenever the amount is paid in full in .dvanc., and
(with S.ll.r's consent) co reinstate the Contract if Buyer tim.ly cur.. any
default.
3. Buy.r shall b. d....d to have co_itted sn "Event of Default" of the
Contract upon the occurr.nce of any of the followina:
faUure to make
faUure to uk.
with S.ller,
(c)failur. to perfo~ sny oth.r provi.ion of the Contract,
(d) providina S.ll.r with false information or sianatur.s,
(.> death, incoapet.nc., or conviction of any Buy.r of cri..
volvina fraud or dishonesty,
(f) in.olvency or bankruptcy of sny Buy.r.
(a>
(b)
sny payment on or b.for. the dst. it is du..
a payment on any other contract outstandin,
in-
4. Upon or after the occurrence of any Event of Defa~lt, S.ll.r viII
prOVide Buyer with notIce, by certified mail s. r.quired by lsv, addr....d to
Buy.r's last known addre.. as shown on S.ller's record., advisina Buy.r of the
d.fault and of Buyer's riaht to cure the default. The notice will provide the
tt.., amount and performance nece.sary to cur. the d.fault. If Buy.r do.. not
cur. the default a. provided in the notice, Sell.r's riaht. shall includ. the
fiaht to declare all su.. due on the Contract to be immediately due and paya~l..
-3-
5. ~aiv.r by S.ll.r of any .v.nt of d.fault .hall not b. bindina upon
S.ll.r if S.ll.r .hould th.r.aft.r chooae to exerci.. ~hat or any other riaht
or a .i.ilar Event of D.fault occurs later. All S.ll.r's riahta and r...di.a
.h.ll be cumulativ., Sell.r'. ex.rci.e of on. or .ore riahta .hall not caua.
S.ll.r to loa. any oth.r riaht..
6. Thi. Contract i. fr..ly aa.ianabl. by S.il.r. Buy.r .,r... that upon
r.c.ivina notic. of the a..ianment Buy.r .hall be obliaat.d to tha A..ianee
of thi. Contract, which A..iane. ehall have all of Seller'a riaht. and remedie..
7. If any part of thia Contract ie h.ld to be illeg81, void or unenforceable,
that prov1aion ahall be d....d not to have b..n a part of thi. Contract, which
.hall oth.rwi.. remain fully .ffectiv..
8. The law. of the Commonw.alth of P.nnlylvania .hall apply to thi. Con-
tract exc.pt to the .xt.nt .uppl..anted, .up.ra.ded or pr.-..pted by f.d.ral
law.
9. Thi. Contract .hall be blndina upon the partie. hare to. their heir.,
.ucc.saora, a..ign. and leaal repreaentativ.a.
10. TIME IS OF THE ESSENCE Of THIS CONTRACT.
NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS
AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER or COCOS OR
SERVICES OBTAINED PURSUANT IlERETO OR WITH THE PROCEEDS HEREOF. RECOVERY
IlEREUNDIlR BY THE DDTOR SHALL NOT EXCEED AMOUNTS 'AID BY THE DEBTOR IlEREUNDIl.
NOTICE TO BUYER: (1) DO NOT SIGN THIS AGREEIlENT BEfORE YOU READ IT OR If IT
CONTAINS ANY BLANX SPACE. (2) YOU ARE ENTITLED TO A COMPLrrELY fILLED-IN COPY
or THIS AGREDlENT. (3) UNDER THE LAW. YOU HAVE THE RIGIll' TO PAY on IN ADVAIICI
TIlE FULL AMOUNT DUI AND UNDER CERTAIN CONDITIONS TO OBTAIN A P'uTIAL RlrUND
Of THE FINANCE CHARGE.
BUYER(S) ACKNOWLEDGE(S) RECEIVING A CGMPLETED COPY OF THIS
CONTRACT AND INTEND(~ TO B! l~lBOUND BY ITS TEltHS.
BUYER(S): _ ~ '. _ a..v...lu.d./
(Jfi-;-h-*,7~"L~':.--7;1 -~~ ~.-..b'.J- ./
DATE:
DIClINSON COLLEGE
~b;5
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By
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DICKINSON COWGE
FI.Jdbl. Flneneln. 51ft.1lI AppliCltl.n
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Ill. ITEMIZATION OF AMOUNT FINANCED
1. Caah price of Gooda and Sarvica.: $ 12,130,00
2, Total down par-ent: 10,230,00
3, Unpaid balanca of ca.h price (1 - 2): 1,900,00
4. Amount paid to other. on Buyer '. behalf: -0-
5, Amount Fin.nced (3 + 4): $ 1,900.00
IV. CREDIT INSURANCE
Credit life in.ur.nce for the term of this Contract ia not required.
V. NO WARRANTIES
THIll AU NO WARRANTIES, EITHER EXPRESSED OR IMPLIED, GIVEN BY SltUR IN
CONNECTION WITH SALE OF THE GOODS AND SERVICES COVERED BY THIS CONTRACT IlNLlSS
BUYER HAS BEEN GIVEN A SEPARATE WRITTEN WARRANTY.
VI. ADDITIONAL PROVISIONS
1. Buyer aar.e. to pay Seller the Tot.l Sale Price by makina the total
down payaent and payina Seller the Total of Payment. in the number and a.ount
of aonthly par-ent. Ihown in the Payaent Schedul.. Payment. are due on or
b.fore the .... d.te of each month a. the fir.t payaent date. Paywent. auat
be made to Indu.tri.l Valley Bank at the followina addre..:
Industrial Valley Bank
P.O. Box 433
Upper Darby, Pennlylvania 19082
2. Buyer'. leaal riaht. include the riiht to pay all or part of the .-oun'l
due on tbi. Contract in advance of tbeir due datel, to obtain a refund or credit
of unearned Finance Charae whenever tbe amount i. paid in full in advance, and
(with Selle~'. conlent) to reinetate the Contract if Buyer timely cure. any
default .
3. Buyer Iball be deemed to have committed an "Event of Default" 'of lbe
Contract upon the occurrence of any of the followina:
(a) failure to .ake any payaent on or before tbe date it ie due,
(b) failure to make a payment on any otber contract out.tandin.
witb SeUer,
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(c) failure to perform eny other proviaion of the Contract,
(d) providina Sell.r with fal.e information or .ian.tur.I,
(e) d.ath, incompet.nco, or conviction of any Buyer of crime in-
volvina fraud or di.hona.ty,
(f) in.olv.ncy or bankruptcy of any Buyer.
4, Upon or after th~ occurrence of any Event of D.fault, Sell.r vill
provide Buyer vith notice, by certified mail e. r.quired by lav, addre..ed to
luy.r'. la.t known addr... a. Ihovn on Sell.r'. r.cord., edvi.ina Buyer of the
default and of luyer'. riaht to cure the default. The notic. vill provide the
ti.., amount and p.rformance n.c...ary to cure the d.fault, If Buy.r doaa not
cure the default a. provided in the notice, Seller'. riaht. Ihall include the
riaht to daclara all .um. due on the Contract to be i...diately due and payable.
5, Waiver by Seller of Iny event of default .hall not be blndina upon
Sall.r if Seller ahould ther.after choole to exerci.e that or any other riaht
or a .i.ilar Ev.nt of Default occura later. All Sell.r'. riahte and re..diel
Ihall be cu.ulative. S.ll.r'. exercise of one or more riahta shall not cau.e
Saller to 10.. any other riahtl.
6. Thi. Contract il fraaly a..ianable by Seller, Buyer aaree. that upon
rec.ivina notice of the a..iaomant Buyer .hall be obliaated to the A..ilnee
of thi. Contract, vhich A..ianea .hall have all of Sell~r'. riahtl and ra&edi...
7. If any part of thi. Contract is held to be ill..al, void or unenforceeble.
that prov11ion Ihall ba deemad not to have been a part of thi. Contract, whiCh
Ihall oth.rvi.. r.main fully effective.
8, Th. lava of the Commonwealth of Penn.ylvania .hall apply to chi. eo.-
tract except to the extant .upple..nted, .uparseded or pre-empted by federal
lav.
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9. Thi. Contract shall be bindina upon the parties h.reto, their heira.
lucc..eora, a..ian. and lesal r.pre.entative..
10. TIKI IS OF THE ESSENCE OF THIS COIltRACT.
NO'l'ICll ANY IIlLDEIl or TiltS CONSUMER CREDn CONTRACT IS SUBJECT' TO ALL CLAn.
AND DIJ'DlSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SILLU or GOODS C)l
SIIVICIS OITAINED PUIl.SUANT HEUTO OR WITH THE PROCEEDS HJ:JI.lOr. UCOVUl
HlIIUNDIl BY Till DEITOR SHALL NOT EXCEED Al<<)UN'l'S PAID IY Till DIITOR BlUlIIDD.
NOtICE TO IUYER: (I) DO NOT SIGN THIS AG1l!EHJ:NT BEfORE YOU READ IT oa U If
CONTAINS ANY ILANK SPACE. (2) YOU AIlE ENTITLED TO A COMPLETELY fILUD-11 con
or THIS AGREDUNT. (3) UNDER THE LAW, YOU HAVE Till IUGHT TO PAY orr I.N AllVAllCI " '
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DICKINSON COWGE
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I hereby certify that the last known address of the
Defendant, Catherine M. Landess a/k/a Mary Landess, is 106 Gumbo
Limbo Drive, Key Largo, Florida 33037-4507.
McNEES, WALLACE , NURICK
By '6 "* 0 II-
Brett D, Davis
Attorney 1.0. No. 62668
100 Pine Street
P. O. Box ll66
Harrisburg, PA 17108-1166
(7l7) 232-8000
Dat,ed: II/t/';
Attorneys for Plaintiff
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