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HomeMy WebLinkAbout94-06436 I. ,""i/ , ,. ", " I' Ifl, ,oj. I' '1'1 .f 1 , i:L"!' I,' ., , , I.., , , ii, , 'I,' " Ii I '1,1 'II I' . ., ,. i ,Ii I. " '. I' " >, I " ',1'1 " , ;-1 , ;'1 , I. " , " ' ' J " I J I' " I , " " I " I I,!:,\ C'I) , ~ j ~ , ,.j I I ., Ii', I I, , " / , 4 DAUPHIN DEPOSIT BANK . TRUST COMPANY, plaintitt IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. CIVIL ACTION - LAW PATRICIA M. KAVULICH, also known as PATRICIA KAVULICH KYLE, Detendant C1/i- ~9)" (f~,J~ No. S 1994 KOTIC. - CO.PLAIMT '(OU HAVE BEEN SUED IN COURT. It you wish to de tend against the claims set torth in the tollowing 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 tiling in writing with the court your de tenses or objections to the claim. set torth against you. You are warned that it you tail to do so, the case may proceed without you, and a judgment may be entered against you by the court without turther notice tor any money claimed in the Complaint or tor any other claim or reliet requested by the Plaintift, 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. PROTHONOTARY'S OffICE CUMBERLAND COUNTY COURT HOUSE 1 COURTHOUSE SQUARE CARLISLE, PA 17013-3387 (717) 240-6195 DAUPHIN DEPOSIT BANK , TRUST COMPANY, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNT'll, PENNSYLVANIA . . I v. . . CIVIL ACTION - LAW PATRICIA M. KAVULICH, also known as PATRICIA KAVULICH KYLE, Defendant . . No. S 1994 CO..LAI.'I' 1. The Plaintiff Dauphin Deposit Bank and Trust Company ("Dauphin Deposit"), is a Pennsylvania Corporation licensed under the banking laws of the Commonwealth of Pennsylvania with an office located at 3607 Derry Street, Harrisburg, Dauphin County, Pennsylvania. 2. The Defendant, Patricia M. Kawl1ch, also known as patricia Kawl1ch Kyle, is an individual and was last known to reside at 121 Cold Springs Road, carlisle, PA 17013, 3. On or about December 16, 19BB, the Defendant executed a "Consuaer Loan Note" in favor of Dauphin Deposit for the purpose of obtaining a loan in the amount of $3,286.0B (Exhibit "A"). 4. Pursuant to Exhibit "A" Defendant agreed to make pay1lent. in 24 aonthly installments of $136.92 to Dauphin Deposit. ~, . intereat accruin9 after November 10, 1994 at the rate of $0.19 per die., and co.t. of .uit. Reapectfully .ubaitted, ADLER , CLARAVAL Date: Noveaber 10, 1994 By' ~ J4 ./' 'crai9 ~ler, E.quire Attorney'. 1.0. No.: 52970 Date: NoveJDber 10, 1994 By: ~~~ ~~ J{l.~ ROBERT r. CLARAVAL / Supreme Court 10# 19222 ADLD . CLUAvax. Attorney. for .1aintiff 125 Locuat Street P.O. Box 11933 Harriabur9, PA 1710B (717) 234-32B9 VERIFICATION I hereby certify that I am the Community Lending Officer of the Dauphin Deposit Bank and that the fads set forth in the foregoing document are based upon Information that I have given to counsel and they are true and correct 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. S4904, relating to unsworn falsification to authorities. . ~DATED: II J)() } tt '/ I / .:.:i!.1&&.TY lENDING OffiCER, DAUPHIN DEPOSIT BANK '_II -,,.,_11 12-16-B'i.t, Patricia M. ~~~tich 121 coldsDri~~Road' Carlisle. Penna, 17013 City srell In this nola the word. I, me, mine .nd my meln each 100 III 01 lhole who lllned II. The WOfd Bank main. Oeuphill DePOlit Bank & T,ult COfnpany, H.rrl'bu,., PA. To replY my loan, I proml..to pey Bank 'U1~~,j?l~IlIU'~ TWQ NUn4~ '~H ~ll.f. a r:~~t~~~~~lhll: :::~:~~s~e20b en~~ :~nthl t1ne d.YOf.~~"~~~lna,,;oAI~ finll?J;-=Tl8/ 1 peld In full. Th. fln.nce Ch.... conliltlllOlely 01 Inte,est computed d.lly on the outstlndlnl be/Inc. 01 the Amounl financed. The term. 01 ,.peymenl.hown lbove hive been computed on lhe ..,umptlon th.tlll inllellmenls will be '1C11ved on thel, acheduled due deles. lI.ny instlllm.nllsllt., 111'11 to pay more flnlnce Ch.'I.th.n Is ,hown bec.u.. 01 the odditlonellnterest which eccrues, III pay .arly, the flnanc. Ch.... will be 1.ls. Ilarll Ihltthe lmount of the Increl.. or elec'.... will be due wllh the 1151 payment, which will be modllled eccOfdlnaly. . , . . Even thoulh I needn' pay mOfIlhen the tiled In,lellments, I h.ve the ,llhI to prepay the Whole outsleoolna lmount of thll note et InyUme. . '..' , .',{';.' To prolecl Blnk ,I I d.llull on thi, or ~y olher debt 10 B.nk, I live you whlll, koown es. 5ICu,lty Interest In the IoIlow1n. checked Items: [J mc.lor vehlcl. I loo/or [J .',.. (1IIIICu,lty .I,..ment Ind/Ofcollet.ral mo""I.1 hive liven B.nk lor I full d.5C,lptlon 0' Ihls property), [J Stocks, [J Bonds, [J Savlnas Accounl (mOfI fully deac,lbotd In the colllt.ral rec.lpt Bank hes liYen ine today) 100 Iny eccounll Of oIher IlRlIlIltY 01 mine comlnllnlo Bank's pasl\lSslon. ' , ;., C,edltllfe In,u,.ne. 100 c,edit disability Insuranc. are nol ,equl,ed to obteln c,odlt, 100 will nol be provided un...sl 5/an Of Inlllel .00 ..,..to pay the addltlon.1 cosl lhewn beloW. " I ' . it Is unde..tood thlt no ben.III shall be peYlbl1 unde, this I'OUP policy wilh ,especlto th. Inlured'l Indebtedness lor dlublllty resuitlnll,om p,ee.lltI".lIlness, dlse... or phy,lcII condition lor which the insu,ed WlS tolIIlly dl..bIed et Iny lime durinC the 5Il months precldlna the .Hectlve dill of coveral.. ,~ I . DAU'HIN DEPOSIT lANK. TRUST COM'ANY ...?,13 M.rket SIr"t H.rrllbur.. Ptnnlylvanl. 17105 . ~rli.le Plaza - Office 11 Br.nch CONSUMER LOAN NOTE ..1 1,:'J .. '~I o ,. Zip fInenae CllerII o ,""rment II .... Nett ......., CNdllI__ o I desire slnlle C,odll Lire Insuranc. lor 'the term 01 the Loan et I cost 01 ad~6~1"I'& '1 desl.. Slnlle Accident & Heaith Insurenc., lOf the te,m 01 the Loon .t . COlt 0' $ 4L w. dell.. Joint Credit Ufelnsurence lor the te,m of the Loan .1 e coot of $ . ""I~ .......... My aae 1,- My III Is_ This Insurenc.ls lubjeclto lhe Iddltlon.1 provision Includlnlth. Nollce 01 Proposod C,edlllnsurenc. III forth on the __ side he'IOI, the..me belnllncorpOfeted he,eln by ,ele,enc.. Proposed Insu,er: USUfE Credll Ufelnsurence COfnpany, Scheumbu... Illinois. """'" I undersland I musl mllnlalll property InsurencI on the property COVl,ed by the 5ICu,ity larllm.nt or collllere' mortpp lor lis full 1_ Insu,abIe value, but I Cln buy thlslnsuranc. th,oulh a person 01 my own chooslnl. DeIeuI I'll be in del.ult, 1. III don'l pay .n Instillment on time; or 2. IIlny oIhe, c,odltor t,ies by lapl process to lak. any money 01 mine In the passesslon 01 Bank; or 3. III elecl.,. benkruptcy; or 4. II I die; Of 5. III don'l comply with .lIt.,ms 01 thl, ,,'lIment. Bank cln then demlnd Immodllte paymenl 01 Ihl balenc. 01 Ihl, nol., On d.'.ultl.lve Bank the ,Iahl to Immedl.tlly and wllhout further action, sel.oll aplnst this noll.OO III othe, 01 my IIlblllll., to Bank.1I money 0Md by Bank to me. I under,tend Bank wi" have ..erclsed such ,llhl 01 11I'011 eoo made I ch.,.. .plnsteny "JCh money immldl.t.1y upon deleulleven thouah such cherp Is midi or Inlerod on lhe bookl olthe Bank It al.ter t1m.. B.nk will 1110 heve olh., lepl ,llhls, lor In,tenc., lhe ,Iah!lo ,.pee_ ..II Ind IPPIy _urtty to the payments under this nolo .00 .ny other debts I may then owe Bank. ...... '-_Ill Bank can ecc.pt payments or pertl.1 peyment,...n thoulh me,kod "peyment In full", wlthoullollnl Inyollts ,llhIs under Ihl. nola. DeIIr In ......... ('alfntran CM ~.II.. Bank Cln deley Iny 01 Itl "Ihls unde, this note without 1os1"1 th.m. II Bank hesto tu,n this note ova, lo.n .ttorney 10, coll.ctlon, , 1110 air.. to pay the .ttorney's r.es equ.'lo 1!I'l6 olthe lmount due, end court COlts, III 1m sllnln. this notl" a comlker,I..,ee to be equally r.lponslbl. with the bo"owe" Benk doe, nol heve to notify meth.t this nolo h.,n't been paid. Bank Cln chanl.lhe t.,m, 01 payment.nd ,,1.oSl .ny lICu,ity without nolllyln. 01 ,.lelllna me from responsibility on Ihls noli. II thlsloen i. .pplled Inwhole or ,ab1ltantlll part to I pu,ch.se 01 IOOdI or service I,om I sa/Ie, who Is llIill.ted wllh Bank bycommon control or buslnes. "'._1, th.n I h.velhe ,llhts sat forth undo, "notlc." shown on the 'eve,sa side. I r.knowled~~I~Ofnple~.1y .In c this not.. . 8oI,~>I~""A..) t-~ F BorrOWl' COfneker ClelIne end rr ~ eo.., nlll~" .~ /lJ;r:t~K I_ I1rM-nv.J4 , '<II '"''IT.-lAN_ CANIlW< -CUIIOMU ~N.-CUSlOMIIIt 00I.0-1AN_ EXHIS" l_nA~_ . . NOTICIA Le han demandado a uated an 1a corte. ai usted guiere defenderse de eatas demand as expuestas en 1as paginas siguientea, uated tiene viente (20) dias de plazo al partir de 1a techa de 1a demanda y 1a notificacion. Uatad debe preaentar una apariencia aacrita 0 an paraona 0 por aboqado y archivar en 1a corte an forma aacrita aua dafenaa. 0 .u. objeciones a 1aa demandas en contra de au persona. aaaaviaado que ai uated no ae defiandll, 1a corte tomarll lIIedida8 y puede entrar una orden contra usted sin previo aviso 0 notiticacion y por cua1quier queja 0 lllivio que aa pedido en III paticion de demanda. Usted puede perder dinero 0 aua propiedades 0 otros derechos importanta. para usted. LLEVE ESTA DEMANDA A UN ABODAGO INHEDIATAMENTE. SI NO TIENE ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUNEN1;RA E.SCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. '. PROTHONOTARY'S OFFICE CUMBERLAND COUNTY COURT HOUSE 1 COURTHOUSE SQUARE CARLISLE, PA 17013-3387 (717) 240-6195 DAUPHIN DEPOSIT BANK I< TRUST COMPANY, Plaintiff . . IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA . v. CIVIL ACTION - LAW PATRICIA M. KAVULICH, also known as PATRICIA KAVULICH KYLE, Defendant No. S 1994 C 0 H P L A I H T 1. The Plaintiff Dauphin Deposit Bank and Trust Company ("Dauphin Deposit"), is a Pennsylvania Corporation licensed under I . . " the banking laws of the Commonwealth of Pennsylvania with an office located at 3607 Derry street, Harrisburg, Dauphin County, Pennsylvania. 2. The Defendant, patricia M. Kavulich, also known as patricia Kavulich Kyle, is an individual and was last known to reside at 121 Cold Springs Road, Carlisle, PA 17013, 3, On or about December 16, 1988, the Defendant executed a "Consumer Loan Note" in favor of Dauphin Deposit for the purpose of obtaining a loan in the amount of $3,286.08 (EXhibit "A"). 4. Pursuant to Exhibit "A" Defendant agreed to make payments in 24 monthly installments of $136.92 to Dauphin Deposit. ., , , ,It i' t , t I' [:,1 I , - VERIFICATION I hereby certify that I am the Community Lending Officer of the Dauphin Deposit Bank and that the facts set forth In the foregoing document are based upon Information that I have given to counsel and they are true and correct to the best of my knowledge, information and belief, . , I understand that any false statements herein are made subject to the penalties of 18 Pa. C.S.A. 54904, relating to unsworn falsification to authorities. ~D^TED: II /Jo J'111 I I ~Qo.. SUSA C. LISLE, MMUNITY LENDING OFFICER, DAUPHIN DEPOSIT BANK .. ~ , DAUP.HIN DEPOSIT BANK. TRUST COMPANY "13 Mlrket Street H.rrlsburl, Pennlylvlnll 17105 . ~ar1is1e Plaza - Office 11 - . . . Br.nch CONSUMER lOAN NOTE Terms 01 11.,.""",1 Flnence ChIrp \.f ,,-,men! 01 WIIoIe Nele IecurllJ CNdII'neUllnce L. '""'"'" 1- Dell" '......... P.,",""" Dele, In InIonI_ Collection CellI eomau" Claims Ind Dele_ e..., n.u~..4 12..16-88 lllt. Patricia M. Kavu1ich R.m.(sf 121 ColdsD;inQs 'Road '... , ,Slieel . . Carlisle,' penna. 17013 City , , SI.I. , In Ihll not. the words I, me, mine .nd my m..n loch Ind .11 of those who IIIned It The word Bank melns Deuphln Deposit B.nk & T,ust COfnpeny, Hlrrllbu,.. "". To '.pe, my loan, I p'Ofnlse to pey Blnk TAr1t~ ~hRr DoII"'($~~).I'lIplythIIlW'l'llonloflJlnkl Inc "In 24 nulme 10 -4~6 ll~.ac Plymenll will be -due monlhly stlrtlns....lL.L...J 20 I Ind the lime dey 0' .ach succeedlnl moiltll unllrtlle loan peld In full. The Flnlncl Ch...1 conll,ls lolely 01 Inle,ut COfnputed d.lly on thl outstlndln. bellnc. of lhe Amount Flnenced. The lerml 01 repeym.nt ,hewn.bove hllll been computed on Ihl IIsumptlon thetllllnst.llmenll will be rec.11IId on thel,achldufeddue deIn. If In, Inst.llment I' lit., I ..r.. to pey more Fln.nce Chlr..th.n II ,hewn beclUIIOf the addltlonel Inter.sl which accrues, III PI1 earl" the Flnlnc. Cher..wllI be less.ll.ree th.t the lmounlotlhe Inc,e.se Ofdecreese wlll be due wllh lhe 1111 pe,men~ whlehwlN be modlflld accordln.I,. . 0 " ...'.'" Ellln lhou.h I neednl pe, rlloI'e lhen the 1I.1d Insle"",,"tl, I h,vathe rl.hl ~ prtpe, I"'whole oulslandlna lmount of thll note el Inyllme. ,', ' ,'. ". ',' '.. ! 'j" "'.",\ 1 . l I ;.~H'I.~ To ptotecl Bank If I del.ult on lhls O!"y oth.r debllo Bln.k, 1.lve you whllls known II' IIcu,lly Inl.'.ltln th. followln. checked It.ml: ._ '. . , . . '" .." o moIOflllhlcl. . . . " ,..,.. . , . ,. end/or 0 . .. . . " u (1IIIICu,lt, I.,..ment end/Of collllerll mortp.. I hlve.lven Bank fOf i lull delC"pllon 01 thll property), 0 Slock" 0 Bonds, o Sevln.s Accounl (mor. fulty d6sl:,lbId In tb. collllerel reC.lpt Bank hl~ lIVen me lOder) Ind en, ICcounls Of olher pnlpIfty 01 mine cOfnln. Into Bank', possession. " " . . i") ",. C,edlt 1I1.lnsuranc. .nd credit dlseblllt, Insu,.nc. Ire nol ,eqvl,ed 10 Obtain c,id", end.wlll not be proyldld unless I sian Of Inlllal Ind.,,"tope,lhelddltlonelcoslshownbelow.'." If'" . 'JI " It II unde"lood th.t no ben.fIt shill be paYlble unde' this .,ouP policy wllh respetlto th.lnsurld', Indlbtldne.. ro;'dlllbtllly 'lSultln. ',om p,ee.lslln.llln.", dllflle or physlcll condlllon for which the Inlu,ed wlllot.lI, dill bled etl'" time du,lna lhe II. monlhs precldlnl the .Hecllve dlt. 01 COVl,..e. I;; , '." (IJ "'0, I' ,- . CJI ZiP. I C . I desl,. Iln.'. C,edll LIf. Insuren~i fo,' 'the lerm of the loan It I cost 01 ~:k~~..els~ IlsNtutO '1 d.slr. Sln.'. Accldlnt & H.lllh Insurance, lot th.lerm 01 thl Loan It I cost or $ w. desl.. JoInl Credll UII In5llrlnce for th. term 01 lhe Loan el . coil 01 $ o e..I~ ........ My...I,_ M'"II,_ 51 This Insuranclls sublect to Ih. Iddillonal p,ovlslon Includln.lhe NoIlcl of Proposed C,edlllnsuranc. s.1 loI\h on lhe rever51 ,Ide hereol, Ih. urn. beln.lnco,poreted he,eln by ,.'er.ncl. Proposed Insu,e,: USUfE Crldll Uf.lnsur.nee COfnpeny, Scheumbura. illinois, I undersland I must mllntlln property In,urenc. on thl property cOVI,ed by lhe SlCu,lly ......ment Of coll."'11 mortp.. for It,lull Insurable vllu., bull cln buy thlslnsu'lnce Ih,ou.h I person 01 my own choosln.. I'll be In d.llull: 1. II I don't pey .n Instillment on lime; or 2. II .ny olhe, c,edllOf t,I.1 by II.al proc.ss to tiki Iny mon.y of min. In thl possession 01 Bank; Of 3. III decllll bank,uplcy; 0' 4. III die; or 5. III don'l cOfnply with 11I1...m, 01 this 1.'lIm.nt. Sink c.n th.n d.m.nd Imm.dlll. plymenl of the blllnc. 01 this noli. On d.'lulll alve Bank th.lllhl to Immldl.tlly Ind wllhoul Jurthe, acllon, "t.oH ...Insllhls note Ind ell other 01 my lI.blllll., to B.nk III me"., owed by Bank to me. I understend Bank will h......,clsed such ,llhl 01 set.oH Ind m.d.. cherp Iplnst.", ,ueh money Immldlel.1y upon deleulllVln thou.h ,uch ch.rp Is m.d. Of .nl.,ed on th. books 01 the B.nk II I I.t., 11m.. B.nk wlllllso hev. oth.r 11.11 ,Ithls, for In,tene., the ,llhllorepossess, 1111 end IPPIy lICu,ity to th. peymlnts unde' this noli Ind eny oIhe, debts I mey then owe Bank. Sink c.n ecclpI peyments or pertlll peymentslVen thou.h mlrked 'plymenlln lull', wllhoul fosln. .n,ol ii' ,IShls under this not., B.nk cln d.l.y .n, of Its ,I.hls unde, this not. without fosln. them. "S.nk hIS to tu,n this notl ov., to en IUo,ney 10' tollecllon,lllso ..".to PI, thllllOfneys II.s .qu.1 to I~" 01 lhe lmounl du., Ind court costs. " I 1m sl.nlnl this nol. IS I comlke, ,11.rel to be equllly rlSponslbll wllh the borrower. Bank does nol hevelo nolll'l me thellhll nolo hlSn't ~..n peld. &nk tin chin.. the t.,ms of peym.nllnd "I.... any SlCu,lty without nolltrln. fA r.lllsln. me I,Ofn responsibility on this not.. Ifthlslo.n I. appllld In whol. or subsl.nllal pert 10 I pu,chase of aood' or servlc. J,om. sell., who I, IHIII.led wllh BI"k by COfnmon cont,oI Of buslne.. l"lnpm.nl, th.n I h... the ,1.hts..1 IoI\h under "notlc." shown on th. '1VI'5I side. locknaw~. ~Ofn""tl" A('lnz Ihls not.. . Bor'OWI U"f"/ u~ . T Borrower __ COrTI.ker _.. /ljOfnlker . '''Iness ltt I, .M I "II 1J~nuJ<1 , . WHITt-lANK CANAlty-tUSTOMIIt rlNK-CUSTOMII' ClOlo-lANIl IXHIBIT I~.- DAUPHIN DEPOSIT BANK " TRUST COMPANY, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. CIVIL ACTION - LAW PATRICIA M. KAVULICH, also known as PATRICIA KAVULICH KYLE, Defendant . . . . No. 94 6436 Civil Term TO ft. lIROTJlOKOTUYI YOU ARE HEREBY DIRECTED to reinstate the Complaint filed on November 10, 1994, for the above-captioned matter for the purpo.e of service upon Defendant. craiqC;;, 'ler, -Esquire Attorney for Plaintiff DATED: March 17, 1995 ADLU , CLUAvaL 125 Locust Street P.O. Box 11933 Harrisburq, PA 17108 (717) 234-32B9 .',' ,~ ~ ,.. . " Attorney'. 1.0. No.: 52970 SHERIFF'S RETURN CASE NOI 1994-06436 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND DAUPHIN DEPOSIT BANK & TRUST VS. KAVULICH PATRIcrA " -RQIERT L. FINK, SR. CUMBERLAND County, Pennsylvania, who . Sheriff or Deputy Sheriff of being duly sworn accQrding to law, .ay., that he served the within COMPLAINT upon KAVULICH PATRICIA " the defendant, at ~40100 HOURS, on the ~ day of ADril 19~ at 218 EAST ORANGE STREET SHIPPENSBURG, P!-lJ257 ,CUMBZRLAND County, Pennaylvania, by handing to PATRICIA KAVULICH . true and attested copy of the __COMPLAINT and at the .ame time directing Her attention to the contents thereof. Sheriff'a Coata: Docketing Service Affidavit Surcharge 18.00 11.76 .00 2.00 .31. 76 So llInswers: ....../..,/"'.. ~ r~. ~~-".,.< _'<<~ R. Thomas Kline, Sher CRAIG ADLER 04/12/1995 ~ ~ by _ / ~~~~h--- euy e - Sworn and subacribed to before me thia 11ft day of ~ 19 "l'; A. D. . ~...~ c.. rk<t~ AS.4' I "ro'Olono ar,!