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5. The Defendant has defaulted under the terms and
conditions of said agreement, in that he failed to make sufficient
and conaistent payments in accordance with the terms.
6. Defendant was given notice that the car was sold at a
public aale by Dauphin Deposit on October 27, 1992. (The Notice of
Sale ia attached hereto as Exhibit "B").
7. Total proceeds generated by the public aale were
$2,200.00. Costs of sale were $200,00. The net amount applied to
the principal owed on the Defendant's account was $2,000.00.
6. Demand of Defendant has been made by Dauphin Depoait and
Dauphin Deposit's counsel for the principal balance of $7,536.09,
plus accrued intereat.
7. Defendant has refused to pay the deficiency balance owed
and ia therefore liable for inter.st, attorney's fe.s and costs of
suit.
8. The following amounts are due on the loan:
(a) Unpaid Principal Balance $ 7,536.09
(b) Intereat through 11/10/94 1,427.11
(c) Attorn.y's 20' Collection 1,792.64
ree
'O'l'AL DUI S 10,755.84
WHEREFORE, plaintiff demanda jUdCJllent againat Defendant in the
amount of $10,755.B4, conabting of the principal due in the amount
of $7,536.09, intereat through November 10, 1994 in the amount of
$1,427.11, an'1 attorney'a reea for collection in the amount of
$1,792.64, and plaintiff further demancla jUdCJllent againat Defendant
for all intereat accruing after November 10, 1994 at the rate of
$1.18 per diem, and coata of suit.
Respectfully submitted,
ADLER , cLARAVAL
Date: November 10, 1994
By' ~l
'Crai~r Adler, Esquire
Attorney'. 1.0. No.: 52970
By:~dl fj:~~1 /01.\
ROBERT F'; CLARAVAL '\ /
supreme court 101 19222
aDLD' cunVAL
a~~o~ae7s for .1alatiff
125 Locust street
P.O. Box 11933
Harrisburg, PA 17108
(717) 234-32B9
Date: November 10, 1994
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Certified Mall ReceIpt
No 1_ Coverege Provided
Do nal u.. lor I""mlllonll Mall
, (See R......'
>auphin Deposit Bank
and Trust Company
lIMY IITllIIT. ".O.IOK _. HAIVIISIUIlO. PlNNSYlVANIA 17111
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October 27, 1992
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RE: ccou t -, u~u ~"J-8001
Dear Hr. Woodall:
o
Since the above referenced loan is in default the
collateral-security that was pledged on the loan was sold at Public
Sale on October 17, 1992, The proceeds of the sale were applied as
follows:
Total proceeds received from sale of secur i ty $ 2,200.013
Minus costs of sale $ 2013,013
Net proceeds applied on accoun t $ 2,0013,00
Amount applied to interest $ ,013
Amount applied to principal $ 2,000,013
Balance remaining $ 7,536.09
0 Plus accrued interest $ 24.31
Total Balance Due $ 7,5613.413
When you obtained your loan you contracted to repay the total
of payments, You are still legally responsible for the above
deficiency balance. To resolve the continued delinquency and totally
pay your account in full please send the balance due of , 7.560.40
within ten days. Upon receipt of this amount we will report to the
credit bureau that this debt has been satisfied.
If you have any questions, or wish to discuss repayment of the
balance, I can be reached at (717) 255-2358.
Sincerely,
AJS/tmr
EXHIBIT
I~_.-
a..~ ~ ~
Alan J. Small
Collection Manager
""","'II''''. U&;.,'U..,.. ,.,".1.\. .,U.t.... "UI~I..,..,,_.
.2~,3M1rketStreet l'nbcy.t T,. \/"lodIlJi
H.rrilburl, Pennlylvllnla 1"1105 Neme(l)
00.1":910 221 ',Tn11111t ::It.
. ... Ae Brlnch " Car) lsJ 0, Pn. 1~3
CONSUM"IDiiPOS$~3el^'" CIIY. 5111e- Zip
In Ihl. nole lhe worda f, ~~l~ 100.-, r M..J~ III of tho\o who "aned II. , I
The wor~ Bank m!lna D.uphln D.tpoail Bank & T,ult Company, Ha"'Ibu'a. PA T) l) 1 ' /1"'0 nnd ,,0 100
'!twonty 'J.IWI) 'J.'II'JI1Drl.l~~_ 'J.'~lt'EJO .IUlldl'.~d Twontv 'rhree
.::~ ~,;:',"r$"!!~j~)P:'f1J'j' I~~ :~ '~~~~lJni.i-on.-o"ii;';'k;' brench'Ii;'--IJO_~::-:-:=tr..i.iimenl" 01$=:1'12'. Ofleach.
P.ymenll will be due monthly .I.,"nl._ n. ..()'._. -11')... and Ihe lame d.~ol each lucCeldinl monlh until the loan "
peld In lull
nn.nc. ChIrp ThE' '''''111(11 Charlr consists \olelv 1I11111presl compulPd dOII'j on the uut!ttandlf1g balance uf the Amount Fin_need. The tlrm, 0'
repaym.nl Ihown above have be.n computed on Ihe a..ump"onlhelall Inltallmenh will be ,ecetvedon Ihel, !lChlduloddue dlln.
"any In"allmentl.late.laa,ee 10 pay mar" FlnanceCh.r,e Ihan" .hown becault! oflhe eddltlonallnl.relt which ICr.,ues.1t I Ply
l'.rly, Ihe r",.nce Cherie Will be 1...I.,r..lhatlhelmounl 01 Ihelnc,eeseOl decrease WIll beduewllh th<r lOll peymenl, which Will
be mOIMed occordlnaJy,
Even Ihoulh I n.edn't Ply more thin Ihe fI.ed Inotellmenl" I have the rilhtto prepay lhe whole oul.landlnlllmount 0/ thlo noli It
_")'time.
To prole<1 Bank II I dellull nn Ihi. 0' Iny other debllo Bank,. I live ~ou whellS known IS I aecu,lIy Inlorellln Ihe lollowinlchecked
~o;:,~OI vehIcle -1.9.66 C ad ill 'l~ JLWilUl.I.U51XillL'lTh1.15Q.
and/or [) __ _______________.._.__.._____.__.._____.___________ ___
(IPe .ecurlly .eteement and/or collateral mortlelel hive alven B.nk 10' a lull delCrlplion of Ihll property). 0 Stock,. 0 Bonds,
n Savlnll Accounl (mo,elully de&c,lbed In the collaleral ,eceipl Bank has aiven me lodey) and any accountl or olhe, property 01
,~ ,mne COnllnlllnto Bank's pouesslon,
,,- CNdiII__ C,ed,l hIe onsu,ance and c,edll dilabihly Insu,ance .re not ,equired to obtain c,edil. and Will not be p,ovlded unless I "In or iniUel
and aaree to pay the addillonol cosl.hown below.
It I. undt"toad Ihal no benelil ,hall be p.yable unde, Ihi'a'oup pohcy with re.paello Ihe in.ured's indebtedne.. tor disability
,e.ulltnl Il'om pree.l.ltna illne.., di..a..or phYSical condllton 101 which the onlU,ed westolallydisabled.t eny lime du,lna the ,i.
monthl precedlnllhe effective dale 01 covetaae.
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PNpeylMlll 01
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I dell,e ..na'e C,edit LIfe In.u,.nce 101
tht J'~'5' ~Wf loan .1 a co.1 01
S __. __ _ _ ..
fA.~:!: ;;a~: t 1,l.
SilN'ur.
I de.l,e Slnlle Accldenl & Health
In.uranee. \Ofd~e 1"1/1 ollhe Loan at .
cosro'$....! ~~ I, _._
~2 ;f J.. '.....(..<I.~(,
My aae " __u_.
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We de...1 JoInl C,odll UlelnllUrencl tor
Ihe le,m of Ihe Loan at . cost 01
S__
~"""ro
My III is __
My III is_
s.snoo....
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Thllln,u,ence is subjllCl to the .ddlllonal p,ovl,'on includlnl the Nolice 01 Proposod C,edlt In,urance IIllorth on the '_51 5lde
he,eof.lhe same belnl ineOlpOllled herein by relerence, Proposed Insurer: USLlFE C,editlifelnlurence COfnPlny, Schaumbur&
Illinois.
"-'Y I underltlnd I mu.1 m.intain property In'urance on Ihe p'operty covered by the security .a,eement or collltera' mortpp tor lis lull
IIlellI8nce Insu,_ ..Iue, but I cen buy this insu,ance th,oulh I penon 01 my own choosin,.
Del.... I'll be in deleult:
1. III ljon.t pey an in,tellment on lime; or
2. II any oIhe, c,edltor trlel by 111I1 process to lake .ny money 01 mine in the pos....ion 01 Bank; or
3. It I decl.rl bankruptcy; or
4. It I die; or
5. III don't comply with ell terms 0/ Ihl, lareement.
Bank Cln then demlnd Immedilte payment olthe belence 01 thl. note. On default 111..8ank the rllhtlo Immldlolely end wlthoul
lurther action. IIt.off.l.inlt thl. note Ind III othe, 01 m~ lIabllitiel to Bank all money owed by Bank to me. I unde..tand Bank will
h.ve e.ercl!5ed luch "Ihl 01 set.off and made. charae elain.t any .uch money Immediately upon delault even thoulh such ch....
is made or entered on the books of the Blnk al I later time, Bank will also have other leaal rilhts, for inslance. ,he ,i.hllo r,possess,
..II and apply securil~ to lhe payment. unde, Ihi. nole and any olher debls I may lhen owe Bank,
'.........
PeYINM
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~Irr.c...' COllI
Bank can ICcepl p.ymenl. 01 partl.1 peymenluven thouah marked "paymenl in lull". wllhout Iolinuny 01 its ,i.hIS uncle, lhls note.
ComeUlI
Bank can delay an~ 01 its riahll unde, this note without Io"n,lhem.
" Bank has 10 turn Ihi. note ova, to an allorney fOl collection, lal.o aa'" 10 pa~ Ihe .ttorney'. 'eeuqu.,to 15% 01 the amounl due,
and court cosl..
It lam .ianlnllhls nole.. a comaker.lalreeto be equally ,e.pon.ible wilh the borrowe' Bank doe, not he.. to nollfy me Ihlt Ihl,
note hun'l been paid. Bank c.n chanae the terms 0' payment .nd releese .ny SlCu,ily withoul notlfyln. or rele..lna me "om
,npon.lbllily on thi. note.
If this loan II.pplied In whole or lub.tantlol pert 10 e pu,chaae 01 load. 0' $Irvlce I,orn a seller who i, affilietod with Bank bv common
cont,oI or buliness ."enlement, lhen I have the ,ilhl. III lorth uncle' "notice" ,hown on the 'IYIfSl side.
IlCknow~receipt 01 0 completely lilledln copy 01 Ihl. note,
BOfrowe rvl. - 2:>- :Y ~,,'/.,-<-
ClaIme end
Ddt.-.
c:." llmhtd
Borrower
Comake,
a.;:;L..
Witness
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WHIfl--IIANK
CANAIIV-CUSfOMIIt
PlNK-.CIJS1QMU
GOLD-lANK
EXHIBIT
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DAUPHIN DlPOSrr BANK
II 11lUST COMPANY
PI.ad"
IN no: COURT or COMMON PLIAS
CUMBERLAND COUNlY, PENNSYLVANIA
avn. AcnON . LAW
Y.
ROBERT L WOODAU.
Dtl.adlat
NO. 94-6435 CIVn.. TJ:RM
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NonCE
In ICcordance with PRCP 1026 Uld 1361, you are hereby notified to liIe I written responn to
the enclond New Mltter within twenty (20) dlYs from nrvice hereof or I jud8llleDt may be
entered qainst you.
r\ (' C--)
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10 It Broujos, Esquir,
OUIOS, GILROY &: HOUSTON, P,C.
4 North Hanover Street
Carlisle, PeMsy1vll1il 17013
7171243.4574 717/766-1690
FAXII 717/243.8227
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DAUPHIN DlPOSrr BANK
.\ mUST COMPANY
"and<<
IN no: COURT or COMMON PLEAS
I CUMBERlAND COUNTY . PENNSYLVANIA
CIVIL ArnON . LAW
v.
ROBERT L WOODAu.,
Derendlllt
NO. 9..-6435 CIVIL TERM
ANSWER
AND NOW, Defendlllt through his attorney Broujos, Gilroy "- Houston, P,C. sets forth the
foU"winS Answer to Complaint with New Malter:
1. Admitted.
2. Admitted,
3. Admitted.
... Admitted.
5, Admitted.
6. Admitted.
However, Defendant was not siven notice that the car was to be sold or
had any notice as to the date, time, IIId place of sale, as required by law.
7. Denied. After reasonable investisation Defendanl is without know1edse or information
sufficient to form a belief as to the truth of the averment
Second 6,
Admitted.
Second 7.
Admitted that Defendant has refused to PlY the deficiency balance. Denied
that this amount is owed. Denied that the amount claimed for inlerest IIId attorney's fees and
.
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I verity that the statements in the foreaoina pleadina ue true Uld correct. I unclentand that
fal.. statements herein are mlde subject to the penalties of 18 PaCs 4904 relatina to WlllWOm
falaiflcation to authorities,
(/l-..L - ,... :j' -I ~-." 1.1
Roben L, Woodall
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DAUPHIN DEPOSrr BANK
A TRUST COMPANY
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: IN 'I1IJ: COURT or COMMON PUAS
: CUMBERLAND COUN1Y. PENNSYLVANIA
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: avo.. ACI10N - LAW
Y.
ROBERT L WOODAu..
Def.....t
: NO. 94-6435 avn.. TERM
cm....CATE OF SERVICE
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I. John H. Bro!\io., Esquire, hereby certify that I have served a true U1d correct copy of the
for'aoini Answer to Complaint with New Matter upon the Defendant Dauphin Depoait Bank
.t Trust CompUlY by servina their attorney Craia I. Adler, Esquire, by United States Meil.
Pint Claa. Postaae Prepaid, on December 19, 1994, to:
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Craia I. Adler, Esquire
Adler" Claraval
125 Locust Street
P.O, Box 11933
Harri.burS. PA 17108.1933
BROUJOS, GILROY" HOUSTON. P,C.
4 North HUlover Street
Carlisle, PeMsylvUlia 17013
7171243-4574
FAX _7171243-8227
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DAUPHIN DEPOSIT BANK
, TRUST COHPANY,
plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
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v.
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CIVIL ACTION - LAW
ROBERT L. WOODALL,
Defendant
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No. 94-6435
..'LY TO ... MATT..
AXD .OW, this 6th day of March, 1995, comes the Plaintiff,
Dauphin Deposit Bank and Trust company, by its attorney, craig I.
Adler, Esquire, and replies to Defendant's New Matter as follows:
9. Denied. Plaintiff caused all notices required by law to
be delivered to Defendant, including notices of Defendant's right
and obligation to pay the deficiency. Further, to the extent that
paragraph 9 of Defendant's New Matter contains conclusions of law,
such averments are denied as conclusions of law for which no
responsive pleading is required.
10. Denied. Plaintiff did sell the repossessed vehicle in a
commercially reasonable manner and the value of the vehicle did not
greatly exceed the amount for which Plaintiff sold it. Further, to
the extent that Paragraph 10 of Defendant's New Matter contains
conclusions of law, such averments are denied as conclusions of law
for which no responsive pleading is required.
11. Admitted in part and Denied in part. It is admitted that
the Agreement calls for the payment of Attorney's fees in the
amount of 15'.
In this instance, 15' of the amount due is
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approximately $1,365.00.
Such an amount for attorney'. fee.
actually incurred in this case is neither exces.ive nor contrary to
law. Further, to the extent that Paragraph 11 of Defendant'. New
Matter contains conclusions of law, such averments are denied as
conclusions of law for which no responsive pleading is required.
......0.., Plai.ntiff dllmands judgment in its favor and against
Defendant in the amount of $10,465.0B, consisting of the principal
due in the amount of $7,536.09, interest through March 6, 1995 in
the amount of $1,563.99, and attorney's fees for collection in the
amount of $1,365.00, and Plaintiff further demands judgment against
Defendant for all interest accruing after March 6, 1995 at the rate
of $l.lB per diem, and costs of suit.
.....CT.ULLy .UBKITT.DI
DATED: March 6, 1995
.~ 11----
Craig Ix. Adler, E.quire
Attorney for Plaintiff
Attorney's 1.0. No.: 52970
ADLD . CLAIlAVU,
125 Locust Stree~
P.O. Box 11933
Harrisburg, PA 17108
(7:\1) 234-3289
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VERIFICATION
I hereby certify that J am the Community Lending Officer of the Dauphin Deposit
Bank and that the facts set forth in the foregoing document are based upon information that
I have given to counsel and they are true and correcl to the best of my knowledge,
information and belief,
I understand that any false statements herein are made subject to the penalties of 18
Pa, C.S,A. ~4904, relating to unsworn falsification to authorities,
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DATED: 3~/1 /'
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SUSA C. L1SLE'~ITY LENDING
OFFICER, DAUPHIN DEPOSIT BANK
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