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Home My WebLink About97-05173 ~ i ~. << ~ Vj ~ J y l. t Q: j C) ~ - ~ t) ~ '" ; i I l " f:' .!' " Arthur A. Kusic, Esquire supreme Court No: 07207 4201 Crums Mill Road Harrisburg, PA 17112 (717) 540-5610 Attorney for Plaintiff GENERAL MOTORS ACCEPTANCE CORPORATION, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA V. JOELL STEWART, Buyer and CHRISTINE K. STEWART, Co-Buyer, CIVIL ACTION - LAW NO. 97 5173 Civil Defendan1li IMPORTANT NOTICE TO: Christine K. Stewart DATE OF NOTICE: November 18, 1997 YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP: Cumberland County Court Administrators Cumberland County Courthouse Fourth Floor One Courthouse Square Carlisle, PA 17013 (717) 240-6200 RESPECTFULLY SUBMITTED: , _ ESQUIRE . GENERAL MOTORS ACCEPTANCE CORPORATION, · IN THE COURT OF COMMON PLEAS · CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff . . v. · CIVIL ACTION. LAW . JOELL STEWART, Buyer and Christine K. Stewart, Co-Buyer, Defendants · NO. 97 5173 Civil . . . . CERTIFICATE OF SERVICE I, Arthur A, Kusic, Esquire, do hereby certify that on this 18 Day of November , 19 97 ,I placed in the United States Mail true and correct copies of the Imoortant 10-dav Notic" addressed to the following: Mr. Joell Stewart 5 Brandywine Drive Mechanicsburg, PA 17055 Ms. Christine K. Stewart 5 Brandywine Drive Mechanicsburg, PA 17055 RESPECTFULLY SUBMITTED: ~ ./../ . I~~. - ARTHUR It KUSI , SQUIRE 4201 Crums Mill Road Harrisburg, PA 17112 (717) 540-5610 Supreme Court No, 07207 ATTORNEY FOR PLAINTIFF f1\ 1'2 ,-. ~~ -~ I_~~. r..'J ::..1..... lid. , >~:;:: (}!" P~,., l:.J.. l,;:j i:i' (]'( I en ''':~1 r:"i I,,' W'- '. f:!1 -. ,(,1 I..', c. :.1 ~1.. f.. ::..-: ". r- 'j lJ en U , V. IIN THE COURT or COKMON PLEAS ICUKBERLAND COUNTY, PENNSYLVANIA I ICIVIL ACTION - LAW I "1- -- INO. (1"1- !)/'! j ['ced /..u-- I I I GENERAL KOTORS ACCEPTANCE CORPORATION, Plaintiff JOELL STEWART, Buyer, and CHRISTINB K. STEWART, Co-Buyer, Defendants C 0 M P L A I N T AND NOW comes the Plaintiff by and through its attorney Arthur A. Kusic, Esquire and respectfully represents the following: 1. Plaintiff, General Motors Acceptance Corporation (hereinafter "GMAC"), is a New York corporation having offices throughout the United states and having a Centralized Collection Center at 4 North Park Drive, Hunt Valley, Maryland. 2. Defendant, Joell stewart, is an adult individual residing at 5 Brandywine Drive, Mechanicsburg, Cumberland County, Pennsylvania. 3. Defendant, Christine K. stewart, is an adult individual residing at 5 Brandywine Drive, Mechanicsburg, Cumberland county, Pennsylvania. 4. On or about April 5, 1993, Defendants entered into a Retail Installment Sale Contract (hereinafter "Contract") with Faulkner HArriSburg, Inc., a dealership located at 2060 PAxton street, HArriSburg, Dauphin county, Pennsylvania, for the purchase of a 1992 Suzuki motor vehicle bearing Manufacturer's Serial No. 2S3TA01C2N6407448 (hereinafter "vehicle") for a total sale price of Seventeen Thousand six Hundred Twenty-Nine and 20/100 ($17,629.20) Dollars. As evidence thereof, a copy of the Contract is attached hereto, made apart hereof, and marked Exhibit nAil, 5. the Contract, dealership. 6. Pursuant to the Required Physical Damage Inaurance clause of the Contract, should Defendants not have the required physical damage insurance as in the instant case, Plaintiff was authorized to purchase said insurance and was further authorized to charge the Defendants the costs thereof. 7. Since Plaintiff could not confirm coverage for the vehicle and since Defendants failed to provide coverage information, Plaintiff did purchase Collateral Protection Insurance on the Vehicle and did notify Defendant Joell stewart, the Buyer and Title owner, of this coverage and the resulting costs to be born by the Defendants. As evidence whereof, copies of Plaintiff's letters dated march 8, 1995 and April 3, 1995 are attached hereto, made a part hereof, and marked Exhibit "B". 8. Pursuant to the Contract, Defendants agreed to make sixty consecutive month payments to Plaintiff in the amount of $286.27 with such payments to begin on May 20, 1993 and continuing until the account should become paid in full. 9. Plaintiff believes and therefore avers that Defendants have defaulted in their legal obligations to Plaintiff pursuant to the Contract by failing to make the payments as scheduled. 10. Pursuant to the provisions of the Contract, Plaintiff recovered the vehicle and on or about November 17, 1995 gave At all times pertinent hereto, and as set forth on Plaintiff is the assignee of the aforesaid Defendants notice of their right to cure in accordance with law. As evidence thereof, copies of the Notices sent via certified mail to the Defendants' residence are attached hereto, made a part hereof, and marked Exhibit "C". 11. Thereafter, since Defendants failed to avail themselves of their right to cure, Plaintiff did sell the vehicle at private auction. 12. After applying the net proceeds from the sale to Defendants I account, there remained a deficiency balance due Plaintiff in the amount of $5,955.59. As evidence thereof, a copy of Plaintiff's Repossession Accounting statement and January 23, 1996 correspondence to the Defendants are attached hereto, made a part hereof, and marked Exhibit "0". 13. Pursuant to the terms of the Contract, should Plaintiff hire an attorney, as in the instant case, to collect amounts owed, Defendants are liable for reasonable attorney's fees along with court costs. 14. Plaintiff has made demands upon Defendants for payment of the balance due of $5,955.59, which demands remain unheeded. 15. Plaintiff believes and therefore avers that Defendants are jointly and severally liable to Plaintiff for the aforesaid amount due and owing. 16. Plaintiff avers that the amount claimed due does not exceed the jurisdictional amount requiring arbitration referral under local rule. Jul-~B-97 03:00P P.03 GPDAL KOTO.. aCCIII''l'UCII co.~DTJOJI, .1dnUff I I I I I I JO.LLL .T~T, aUJer, and I CK8ISTI.. .. ST"ART, Co-Buyer,. Defendant I I. TKB CaUlT OF CaKKO. .LBaI ClJII.D~,.1lD CaUll'l'Y, .....YLVAIIJA CIVIL ACTIO. - LA. Y. .0. ~ II R I r I CAT I a . I, -; /pI"W IM// , the kr'll,.,r., A"-""YII of GENERAL MOTORS ACCEPTANCE CORPORATION, verify that the statements made in this COMPLAINT are true and correct to the beat of my knowledge, information and belief and that I am authorized to make this Verification on behalf of GENERAL MOTORS ACCEPTANCE CORPORATION. I understand that false statements herein are subject to the penalties of 18 pa C.S. Section 4904, relating to unsworn falsifioation to authority. GENERAL MOTORS ACCEPTANCE CORPORATION By' 7-L---/!/ 4"~ 4+ ITLE: DATE: 7/).1/f7 " '. " EXlIInrr "A" Q'_',llm Numher Conlr,ldNufllN.!f O~7t\34 ~ GMAC 'ir~NClAl:.,1 H\i'd.:, RETAIL INSTALMENT SALE CONTRACT Buyer (and Co-BUY8r)-Namo and Address (Includo County olOlJ llpCOdt.'J Crt.'lJilor {Scllcr N..unu aud Adtul!'.:.1 JOELL C STE.WAR'l' CHRISTINE K STf.WART 5 BRAND'i\-IINE DR HIXIIANIC.5BURG PA 17055 FAIJLl(NER HARHISBUIlG, 2060 PAx'rON STIlEE'r HARRISBURG p" 17105 INC. ~ You, the Buyer (and Co-Buyer, II any), may buy It'o vohlCle descrIbed below for cash or on crodlt The cashpnce Isshown below as "Cash PriCe," The crooll ptlCa IS shown bekJwas "Tolal Solie Pnce:' By signing thIS conlracl. you choose 10 buy the vehiclo on credll under the agrsBfilenls on Ihe irani and back 01 Un contract. Deecrlptlon of "-hie&.. You agree to buy and the Creditor Igtee! 10 sell the foUowlng veh+de: NewOf'U~_ ._'!!~__ Make and Model ,BodY_TYpe. ...__,__~~~,~!"hhcal~_~~:__._ NE.W 92 SUZUKI SUZU SIDE sw 2S3TA01C2N6407448 U... lot Whlth PUlcIlased i ] r*r~~i -- ~JagtiCullur~i----- { I business ( J If truck- Descrlbu body and maIO' Items of eqUlpmenl so4d FEDERAL TRUTH-IN-LENDlNG DISCLOSURES ANNUAL PERCENTAGE RATE The cosl 01 your credll as a yearly rale FINANCE CHARGE The dollar amount lhe credll ""111 Cosl yOU Amount Financed The amount 01 credIt pro' IIldec..t 10 you 01 on your behaH 9.25 'llo s 3517.50 . 13658.70 Tot.1 of PaYIM".e Tho amount 'fou Will have p.lld afler you have madti' ctll pay. ments as scheduled 171 76. 2@ s Total Salo Prlc. The total COSiO' your purctlase on credJI, Including your down. paymenlo' S 453.360 . 17629.56 You, Poymanl Schedulo Will 80: Number at Payments Amounl 01 P,lyrTlt!nIS When PaymenlsAre Due 286.:~7___~ont~IYbe9.'nning 20~1II.,{ 1993 Or as FOllows late Charg.. If a payment is not paid In lull WllhlO \0 days alter illS due, 'Iou Will pay a late churgo.1f the vehicle purchased is a heavy commercial molor vehIcle. the charge will be 4O,b ollhe amount 01 the paymenllhal is lale. lIthe vehicle purchased isoff.highway businossor farm eqUIpment, 1119 charge will be 5% allha amounl of the payment thai islats, Otherwise. the charge will be 2% per month on tho amount 01 the paymenllhat is lale, computed on the basis 0' a full calendar monlh lor any 'raclional monlh periOd In excess 0' 10 days. PI1IJNlym.nt. It you pay otf all your debl early ~ou may be enlltled to a refund or part of Ihe finance charge, Security Inl.,...1. You are QIVtng a secunty mleresl III the vehicle being purchased. Addltlonallnform.lIon: See Ihe olher SIde of Ihls conlracl for more informatIOn including Intormahon about nonpayment, delaull, any required repayment In lull belore the scheduled dale, prepaymonl relunds and secunly Inlerest. ITEMIZATION OF AMOUNT FINANCED 1 ~ash Pnc:e (InClu~ing any acces~~~~es, SONICOS, and la:..~~~ _ _ _. __ . . ___~~.______ .______ .._.__ _.__,____~,____ _._ S 2 Talal Downpaymenl ~~I_ rrado'ln S -146.64 _ _ !.c.:as.h_~~.paY.~~~____690. 30 ~Q.t,~~_rJ~_~_~r~~_~1 ___._ _ _~ _____________~ _ _________.!_________.. '!bu' T'~~,in ls,a._9:1 --_~_.roBD...:..:__~ Year - .; Make Model . :I Unpaid BalanceoICl_~Price(1 minu~~t_ _~~ '?dd4 eto (1) 4 Other Charges Induding Amounts Paid 10 Others on Your Behalf: . A Cost 01 Required Physk:al Damage Insurance Paid to the Insurance Company Named Below-Covering Damage 10 th!"et1ic~e _'._ __ __ , __ ______,.. __ _____'__, __.___ . $ N/A ... Cost 01 Optional Mechan:caJ Repair Insurance Paid 10 the Insurance Company Named Belaw"'"":Covering .. ~rtaln!:1.~".,nicalR"P!'irs..________ .."......._...________,..' '. $ N/A ~ 453.36 (2) J. . ~ , . .....$ 11990.64 (3) .;.' . =,L . ...c Cost of Optional Credit Life and/or Accident and Haallh Insurance tor the Term of this Contract Paid to lhe 1-: Insurance Company Of' Companies Named Betaw. Ufa $ .lgad6___. Olsabil,ty, Accident and H...a"_'!.L, D ~~~!!' F~~ Pa~.t_C?~~~~~!.!.1J6~~~______._~~ ._~__ . Taxas Nollnduded in Cash Price ___..____._ _____..._..............__. __u_ F Govt!fM1entlicensa and/or RegiS!ratlon Fees (Itemize) a ao'vemmeni-C8itiil-cate ollil"ls.Fees .._- -... - n_________ ---:/--- 1,:H Other Charges (Seller must idcnUfy who will rec~ive paymenr and describe p~rp0$8) , In FAULKNEJU'ON.!'~ JSYZ.\L"_ _'0' NO'I'AR,{ Frn!': . -., lr' G F. -.,---~__~_____Ior R~rn WllRRlHJ'l"'V Tolal Other Charges and Amounts Paid to Others on 'rIlu, Behalf IAmountFlnanced-Unpa.idBelallCQ (3+,4), , ;, 'rr'- " $. ?4G1 4/;". -r:--'r- , .~:~ ~" ~S ,"" ~! tia' - '. ___._____.$ 17R"l\l;I<"-'-- __.__ _...______u---r-..;S ,.. \ :d. r~a"'~'F:" .~, - " i or,;,:p.' .-$,'1' r ',' .1Jlt;.:rn~:.'~i " ""1."\""::" ~;1:;1''".1 ',I.I:H{"":-,e,~ H :;:r':a.1 ...~.. : : J'I; II' , JI ~ '; . CfW. 1",' .. , i,;G' _',. '-,,:j)'. ;ffo- :-.. $ $ lG1 C1q. , Cia,; "a... ...-h.;~;,j,_ .'.p1..;, , "~, 1, , ..~ .. uovernment ....enlllcare or 11118 '-ee9 _.__.\-+_._------:----~.-..__.~.. --- -_._---- ','H 9~!:erC~~'s (Sftll~ m~!_idtl~~~(~~_:'!.I~~~elv~.e~y~o~~ J~~d~5(r~~o purpo~_) .:_._.__ 10. f~ULl{B~..I,'Qt1Pj\G .rSUZ,1J , lor.NarillrLEEJ:S,_, _______ ",-CLE lor F.XTUIDEn l~,____, _.~~_' Othm Chatges and AI"oun~~~.Il!_'?!~!.'~ o~~ 'rb~r Ouf1<1lt . Amoun.~_~:'!.~::~~pa~~ilnc~ J3+~_ .4) f · FlI1OlI1co Charge Adc:Monal Ol5dosUf't1 1 Timo Bulanco- Total 01 Paymonts (5 .. 6) ReqUlredbySr.,eLlIW ''', ~86 ~7- . Paymont SchodlJlwU' Instalmonts of S .. . ... each, monthly beglnmng 2 U MA 'f 19 19~ It SCheduled payment' are Irregular or uneven, aa Indicated above $ lli.CHl '. . I .. $ $ 1(' etet 995 (}{J $ $ S S -- UiliA&~fi (41 I lflt;R.. 7Q (5~ 1r;1'.1:\" (6) 1117':' ?GJ (71 Inaur.nce. If any in5Ufanco is checkod below, the pollCIOS or corttrlcalos ISSUed by the Companies named will desctibe the terms and condllfons -Required Phy&ica(qamege,ln.urance. Physical damage Insuranco 15 reqUlrod. but you may ,"Optlonal M4ICha~k:" Re~lr InllUranc.. ThQ cost ollhl5 obla.n II from anyone yOu want whO lIS accoptable 10 Ihu Creditor Tho cost of Ihls insurance Is msurancels ahown In 48 of the 11emlzallOn above shown in 4A 01 theltemi.l3llOn above ,... , , Insu,anc. Company NI\. T."N! A ,.. month. Insu,anc. Company N/ A" ,u L1 S . WA Oeductlblo Coths.lOn and either: Torm'll36 months or 36,00Q m~es, whichevsroccurs hrst U Full ComprohenslV8 Including F-'lIo. Thoft and Combined Additional Coverage Turm ~l N/A (15 Ooductlt)/oComptohonSlv8lncludmg Firo, Theft and Combmed Additional.. $25 Deductible [J 5SO Doductlble L J $ Deductible Coverage [J FIfe. Theft and Combtn8lJ AddlllonaJ Coverage ~!i.~.~~.!~~ed-r J Tow!!l.~nd !~~~ ~.sts _rl Ren.!~1 ~elmbursemenl f] CB Radi~Equjp~~~.t,.. ___. .,_,._,,_.~_. ~..OpUonal Credit Life and/or Accident and Health Insurance. Credit 1110 InSUrilnco andcredll accident and health lnsurance atl nol reqUIred loablaln credll and will nol be provided unless vou sign lor them and agree 10 pay the addilional cost. II you want thiS insurance, check the Insurance desired and s.gn bokM. If you have chosen this insurance. Ihe cc:.;1 is shown in 4C of Ihe ilemization above, Check thelnlUrance de,ired: [) Life (Buyer [J Co-Buyer t. J) : Disability. Accident and Health (Buyer Only) ....1:1K-LIFE INSlJRAt-rP. en_ (Name 01 Insurer-Life) _-3901 ('ry.V-If"<'E' f''' Wlf.t9;k GllOVE-PA-19g9g (Home 01 ICe ress) PA-l9lng MIC .--39 (Nama 01 Insurer-A & H) ThiS policy will pay amounts due on this contract up 10 5 APPROVAl: I DESIRE TO OBTAIN THE CREDIT LIFE AND/OR ACCIDENT AND HEAlTH INSURANCE CHECK EO ABOVE FOR THE PERSON PRDPOSEO FO INSU N E - ".---.lJ51IPR-196ar. CO:-lluy.rSignal'J,;,'---------,... n-'Il:.-APR,l9a~. .. --.-...-..--------..-_, . .._~~_ _.._~'..._._._..~_u.._ ____..._ ..___._,.___~_ ,THE I~~URANCE. IF ANY, REFERRED TO IN THIS CONTRACT OOES NOT INCLUDE COVERAGE FOR BODILY INJURY AND .PROPERTY DAMAGE CAUStD TO OTHERS, See the other lIVe of lhl, cantlllct for other important ag....m.nta. Including your agrMment to give the CredJlot . MCurlty Inlereslln Inlurance premium. Ind proceed.. You algnad Ihls contract on (Do not dale on Sunday) !1'i AP1LJ.9.91 (Mo.) (Day) Notice to Buyer Do not sign this contract In blank. You are entitled to an exact copy of the contract you sign. ,_~t~ts. __~C.____.l ~BuYe'S}.~~~_~~K.Jti.;.,vcvJ- Co-Buyeraand Ownera-ACO-buyer ts aperson who is responSible for paying the entire debt Anolher owner is a person whoso name 180n the hUe lolhe vehk;!e but does nol have to ~ay the debt The co-buyer or other owner knows that tho Creditor has a security inlerest In tho vehide and consents 10 the secunty Inton'st'. Other own."ogn. he'. ' Addr.ss ~ ~::::::~::;::::~::~ ':~:i';;~r~~ s:lI~ru!c~rit--~nd com:;:;~:~: thl~ ~c:ntract at t1~,.~,' Of,_ e /x,ec_ y.~~, . __'" '__._. '.,. 1fM.I.L(~ <~. __ _~ cO::SuyerSigns"C~k ~ , If SeHer ob&8jnecl1h.~ ... h.k:~~rnJ:~.e~.raI Motors Corpora.tion (GM) on instalment credil to;;;.;-s~ij;;-a~~i9-;;-~~jt~-i~ter;sl;~~,hj~~ontract 10 GM under the lenns of lhe OM Instalment Sil!es Fmance Plan-Torma 01 SubstitutIOn and Assignment agreement OIhoIWIS8, Sollor assIgns its iruerest in this contract 10 General Motors Acceptance CorporatIOn (GMAC) under the lerms of the GMAC Rotall Plan agreement. ~.,oo_~"~ ~=r~. _ :"i..7,":"-....E;;.\\.r Seller ~y Tille ~__ SOli r ___ _ Bv__ Tlll.a' Zl09 PA.1G-91 (For use in tho Slalo of Pennsylvania) (1 014) Notice: See Other Skle ORIGINAL (Yr) (, 01HER IMPORJANTAGREEMENTS" . OWMMIPi~ Rial! 01 Lo.., You agree to pay Iho CredltO< all ~u ONe undor ~hlitontract ......n if Iha whk:le is damaged, destra,9d or miss'ng. You agree' pot 10 remow the whlde from Ihe Unlled Slales 0< Canada O<'to's..II, reIIl, lease or olhe.wls<i'ltansle, any inlerest in Ihe whl. cle at this oonlrac1 ;Y;lhout the Creditor's written pennlssion. You agree not to oxpooo the wttlcle to misuse or confiscation. 'rbu will make sure the Credllof's securitfrnlere51 (lien) on Iho Vf>hk:lols shOo'ln on Ihe IiUe. Illhe Credllor """" 8ny repair bills, storage bills, taxes, lines, or olhor chargos 011 the ....hlde, ~u agree 10 repay the amounl whon Iho Credllor asks lor it Securtly Inle,.ll. You give tho Creditor a security interest In (I) the vohi. cle being purchased, (2) any accessorlo., equipmenl and replacemenl pacts Inslalled in Ihe vehicle, (3) any Insurance premiums and charges fo< service contract. relumed 10 Ihe Credlto" (4) any proceeds ollnsur. .nco policies br service contracls on the vehicle, and (5) any proceeds 01 insurance policies on your life or health which arB financed in this con- tract This secure. payment of aU amounts ~u owe In Ihls contracl, or which you may owe under any separate insurance finance agreement with theCroditoror theCredllor's assignee, and in any transfer, renewal, extension or assignment of lhls conlract It also secures your o1her egreements in this contracl, Prepllymenl Relund, You can prepay all of your debt and gol a refund 01 port of the Flnanco Charge. The relund Will be IIgured by Ihe Actuarial Method except that no refund will be paid which results in a net hnance charge 01 les. than $10. Thore WIll be no relund pOld to you 111115 less than $1.00: ' 0" . Required PhYllcal Damage Inaurance, You agree 10 have phYSIcal damage insurance covering loss or damage to the vehicle 101 the term 01 thiS contract. AI any time during the term 01 this contract, If you do not have physical damage insurance which covers both the Inlerest 01 you and the Cred,tor In the vehicle, then Ihe Creditor may buy 'I lor you. If Ihe Creditor does not buy physical damage insurance which covers both interests in the vehicle, it may. I' it decides. buy insurance whIch covers 0I11y Ihe Creditor's interesl. The Creditor is under no obligation to buy anyinsuranco. but may do so "iI desire.. If Ihe Creditor buys either of these coverages, ,t wHllel you f,now whatlype It i. and Ihe charge you must pay, "any. The charge Will consist of the cost of the insurance and a finance charge. at the highest lawful contract rale. You agree to pay the charge in equal instalments. either along with the payments sho'Nn on the payment schedule. or as a separate account sel up lor this purpose. If the vehicle is lost or damaged. you agree that the Creditor can use any insurance sanlement either to repair the vehicle or to apply to your debt. Late Charge. You Will have to pay a lale charge on each payment received by the Creditor more than ten days lato. The charge is shown on tho Iron!. Acc:optance of a late payment or lale charge does nol excuse your late payment 0< mean Ihal you can keep making paymenls alter they are due, TheCreditor may also lake the steps sellorth below If there is any lale paymen!. Optional Insurance or Service Conlracts. This contract may contain charges tor optional insurance or service contracts. If tho vehicle is repossessed, you agree th.lthe Creditor may claim benelits under those contracts and terminate them 10 obtain refunds for unearned charges. 3, 1 1. Insurance or Service Contracl Chargu Returned 10 Creditor, If any charge for required insurance is returned to the CrediMr. it may be cred- Ited to your account or used to b~y similar insurance or insurance which cove/s'Q~ly 100 Cre!1ltor's Interest i'jthe vehicle. Any refund on oplional lnsuran,ce.Qt.~e~~.conlract,s obtained by I~ CredItor will be credited to your aCCQun!. ' .. u .:. ... .., . .'!.~~ Credos lo,your aCCOunl :Will include both the amounls recel~ed by the f' . , . '. .. , .:.~ .. broak any of UIO agreements In this conlract (defau"). the Cred,tor can lake Ihe vehicle Irom yout ,l~er giving you any nolice required by law To take Ihe vehiclo the CrOOllor can enter your property, or the property where it ,. stored, so long as ills done peacefully, If there i. any personal property In the vehicle, such as clolhing, Ihe Creditor can slore it lor you. Any accessories. equipment or roplacement parts will remain with the vehicle, Gelling the Vehicle Back After Repossession, If Ihe Creditor repos. sesses Ihe vehicle you have th.. righllo get II back (redeem) by pay'ng the entire amount you owe on tho contract (nol just past duo payments) plus anv late chargos. the cost of taking anli storing the vehicle and olher e'penses thatlhe Seller or Ihe Creditor h2s'had In'f1gut.ng the cnlHU mnounl you owe on the conlract. the Creditor will give you a refund for part of the finance charge 'H]ured the same as if you had propald your contract, Your right to redeem will end when the vehicle is sold. Sale 01 Ihe Repossoued Vehicle, The Creditor will send you a wrlllen oolice of salo allea,115 days belore selling Ihe yehle Ie. If you do nol redeem the vohicle bylhedale on the nOlice, the Credllorcan sell it. Tho Creditor Will use Ihe nel proceeds 01 Ihe sale to pay all or part 01 your debt. The nel proceeds of sale Will be figured Ihis way: Any lale charges and any charges lor taking and sloring the vehicle, cleaning and advertising etc.. and any reasonable anornoy lees and court costs will be sub- lracted Irom Ihe selling price, II you owe Iho Cred,tor less Ihan Ihe net proceeds 01 sale, the CredItor will pay you the dllference, unless required to pay it to someone else. For example, the Creditor may be reqUired to pay a lender who has given you a loan and also taken a security interest In the vehicle. II you owe more Ihan Ihe net proceeds of sale, you will pay Ihe CredItor Ihe d,lIeronce between Ihe nel proceeds 01 sale and whal you owe when Ihe Credllor asks for It. If you do not pay Ihis amount when asked, you may also be charged interest at the hlghestlawfuf rate unlil you do pay all you owe to the Credllor, Collecllon Cosls, lithe Creditor hires an altorney to collect what you owe. you will pay the attorney's reasonable lee and any court costs. Delay In Enlorclng Rightl end Changaa 01 this Contrect. The Credl. tor can delay or refrain from enforcing any of its rights under this con. Iract wlthoulloslng Ihem, For example, Ihe Creditor can extend Ihe lime for making some paymenls without extending others. Any change in lerms of Ih,s contracl must be in wrlUng and signed by Ihe Creditor. No oral changes are b,ndlng, II any part of thiS contract is not valid, all olher parts will remain enforceablo. Warranties Soller Disclaims. You underatand Ihallllhe vahlclals prIncipally usad lor buslnesa or egrlcultural purposea, or II you are Inlormed In writing pllor 10 'sala that lhe vehlclela aold on In "aa Is" basis and Ihal you are ,.aponalblelor the entire rtak aa to the quality 01 plIrfonnance 01 (he 'Vehicle, there Is no Implied war- ranly of merchantability, no Implied warranty 01 IIIneoa lor a partic- ular purpose and no Implied warranty which extends beyond the doscrlptlon 01 the vehlcla on tho olher slda 01 this conlract, unl..s Ihe Sellor exlonda a wrltton warranty or servlca conlracl within 90 daya Irom Ihe dale ollhls contrecl. ' An implied warranty of merchanlabllity generally means Ihatthe vehicle is fit for tho ordmary purpose for which such vehicles Bre generally used. A warranty of Illnoss lor a particular purpose is a warr$1!Y II1tttrnay arise whon Ihe Seller has reason 10 know the particularpuljlOse forwhlch you require the veh,cloand you rely on tho Seller's skill Ot'j~dgmenllo lur. nish a SUitable vehicle. . j '- '- l,.. ..l l ..-__ :'_'7~T' This prOVision does nof affet1 any )'I~lTantles cove~ing tho vehiclo which may be provided by the vehicle m~~u'a~urer. \ EXHIBIT "a" r (iENERAOvtOTOHS ^< TEI'TANCE CORI'ORATION . ' I'I.~ III 5\;1111",<1 Ih,"ln.lld, ("11111111111;1, M;u)laluI1Hlt'l '!;lIllo" ,\d,h,"'~ I'll 1111'( IlIIH, 1l;\lllllltlll', MM)'lilIul JIWl IrI"I'h'lIl1': I ,i.1111 Jon 4f1]) / { l'lCl"-"TI\'r.III'I'lf'I'1 1'1'1111111 . I II . t l'''' q '. ~", II If Ill' \"''''11 March 8, 1995 Mr. Jq~11 Stewart 5 nr.ndywln~ Drive U"rh.nlcsburg, PA 17055 R~: Account Number 034-0609-87434 Insurance Premium $ 722.00 Coverage Period 1/31/95 to 1/31/96 P",H MI'. St.ewart: ""fol~ we Increase the amount of your payment, w~ want to be certain there are no ml<und~rstandings. ^, WI" h.v!! ~xp I a I ned In earl I er I ptters, your Ins ta Iment contract requi res your v"ltlcl~ to he covered by fhp, theft and collision Insurance that protects r;tlAr.' < inl.Prpst in the vehlclp, Because we h.ve been unable to confirm that this coverage is In force, we purchased Collateral Protection Insurance. GMAC p. id th~ pr~mlum shown above fOI' th~ period Indicated, If your vehIcle Is covel'ed by fir~, th~ft aod collision Insurance that protects m~M:'< intpr~st, pleas!! call us imm~diately at the numh"r shown below, If you do not. c.ll wit.hin 10 r1ws after the date of this lett!!r, we will add thn flr!!mlum and a finane!! charq!! to the amount. you OW!! GMAr., as described In nil" ".rIIH letters. ""rau<e Collateral Protection Insurance might not protect your Investment. In thn vphiclp, we strongly sugg!!sl. you buy fire, theft and collision insur.nce th,,1. eov~rs both your Interest, in the vehicle and GMAC's interest. Collatel'al P,ntnr.tlon Insurance will not pay mar!! than t.he amount you owe GMAC and In some rasps may pay less. Very truly yours, M. Porter Credit Department Phone N 410-312-6494 rt I f'1'~Ilf" '''''11 CiJ:NERA\ .VIOlllRS ^C<U'IANCE C ,RI'OI~;\TION ~. ~ 111 S 1.1111 '" d 1I,,"lt'VMd. ('plllrlll>l.I, 1\1.11) I.Ull! 211l" \1,,11111' ,.'0101,,'" I'll Ill'" Ill/X, 1l;lllillll111', I\Luylal\l1 oHml 11,1'"1,11,1111': 111011 }flO .1(l} 1 tll~. 'Ill" I Itl""" .lInH I 111':\\"1'111 !"I'III\'ll,OJ.lI"" Ill'IMIlI! April 3, 1995 Mr. Joel! Stewart 5 I1r~ndywlne Orlve M"rh~nlcburg, PA 17055 Re: Account Number 034-0609-87434 Collateral Protection Pram! um $ 722.00 Coverage Period 1131/95 to 1131/96 - Return Prror, , ,''' $ .00 + Interest $ 72.20 + Documentary Stamps (FL only) $ .00 TOTAL $ 794.20 D"nl' Mr. St~wart: A< provided under the t.erms of your instalment contract, the premium for Collateral Protection Insurance plus interest has been ~dded to your account as shnwn above. Ynlll' mnnthly payments have been adjusted to include these charges. A new pnl''''Pllt hook is being mnlled under separate cover. 111 lJI'der to avoid aoy mi',undHstanding, pleas" destroy the--o.ld,-book but retain any creditor insurance c",llfic~t.e attached to it. If your odglnal contr~ct. included creditor I,,",ranre, it has not. '"'''O ~rl.illst.ed to covel' t.he Collater~l Prot.ection premium. C,,1 \,,'pI'al PI'otection 1"<lIr~nr" partially protects you ,lnd GMAC against firro, tlonrt. ~nrl collision r1,lmage while the vehicle 1< financed. Collateral P,"l."ction Insurance ml~ht not fully protect your investment In the vehicle. Cn 11 a tern 1 Protecti on r nsurnnce wi 11 not pay more than the amount you owe GMAC and In snm" cases may pnv less. You will still owe G~Mr. t.he balance on YOlJt' M' nunt, less any Insurance pI'oepecls that are appl ied to your account. Very truly yours, M. Porter Credit Oepart.ment Cllll AlERAL PROTECTION INSIJRANCE DAr1AGE LIABILITY INSIIRANCE RF~PONSIBILITY LAW. NOI DOES PROVIDE BOOIL Y INJURY OR PROPERTY NOT COMPLY WITH ANY FINANCIAL DOES AND ".." ,'''''' rn ,"'_" O~"~I \ EXIIIIII'I' "C'" ""- G \ A A ('" J ENERA' 'JllTOI{S (,CI':I'T/\NCEIJRI'ORATION !'IS.W SI.ll1l''1.t 11"uk....I.d, ("lllulIllu,., M.II )I;\lul Jill I"! 'I.\llllll~ ',l,lt., l't. nn, ItIJ~, 1l.11l1l\lIlH', "1.ll~';lIld ll]tll """l'h"llI' '~lln-ll1U .1h),' IRANCIlES lllRounllOUT TIIR wmu.o UP.CUlIYP. OfflCf.s DURon November 17, 1995 Joel1 C Stewart 5 Brandywine Drive Mechanlcsburg, PA 17055 Re: Account Number 034-0609-87434 -Dear Mr Stewart: Since you have not made your payments, we have taken YQur vehicle. It Is to be held at Frevslnoer Pontiac 6251 Carlisle Pike Mechanlcsburo. PA. It must be held at least until 9:00 a.m. December 4. 1995. It will be sold at a private sale at any time after that. (A sale Includes a lease.) To get your vehicle back you must pay all past due payments, plus expenses. Then you must start your monthly payments again. You can get your vehicle back any time until It I s sold. As of the date of thi s letter you must pay: Past Due Payments (1 of $286,?7 and one of $265.37) Late Charges Expenses Total $ 551.64 $ 22.88 $ 1,474.80 $ 2,049.32 Earned CPIP lo~urance ...$1389.80 Pd to Agency ..$85.00 Also, your contract requires you to have physical damage insurance on the vehicle. You must provide proof of this iosurance to redeem your vehicle. The longer you walt, the more you may have to pay to get your vehicle back. Only reasonable expenses may be charged. They must be the direct result of retaking, storing and selling the vehicle. We can also charge you the costs of getting It ready for sale and reasonable lawyers' fees. If the vehicle is sold, the unpaid balance, expenses and other liens wll1 be deducted from the sale pl'ice, If any money is left, It must be sent to you within a reasonable period of time. If you do not get the money, you may have the right to sue for it plus aov penalties fixed by law. If the sale price is less than the total amount you owe, you still owe the rest. If you have Insurance or a service contract through GM, GMAC, MIC or CIM as part of your contract, we will ..ancel it. Make sure any other coverage you no longer want Is cancelled. Call the insurance company or the dealer to do this. You have a right to credit fnr any refunds. Contact us to get your vehicle hack. If you have any questions, let us know. ~ Credit Rep MHT /mtj os.." II..,. ./UI REDEMPTION OmURS 11'''''''' A II" 'll',,';> ':?!!"!f'\ I:' 1'111 .uv ,.r.. ~h tI V -..Sl',"u':J 1'-. ..;.h BY APfllOBN1nm::I.,rr {HJl. Y I ' GENER^ \!IOT()I{S ACCEI'T^NCE ( IlRI'OR^TION .~~.III -,l.ll hll" 1I"llho~'.1I d. ('oll/mlll.\, ,\f ,II )'1.u\l1 ) I 0.1', \1.lIhll~' \.1.1", I'il Itll\ 1Il1X, 1I;\IIUHlllI',I\I;t1\l.lll'1 lllOl I. l"l'h"'II" I 1lllU.lno -llolJ ftItANCIIP..S TIIROUGlIOUT TUft WORLO UP-CUlIYB of'Plcr.s ur.U.OIT November 17, 1995 Christine Stewart 5 Brandywine Orlve Mechanlcsburg, PA 17055 Re: Account Number 034-0609-87434 -Dear Ms Stewart: Since you have not made your payments, we have taken your vehicle. It is to be held at Frevslnoer Pontiac 6251 Carlisle Pike Mechanlcsburo. PA. It must be held at least until 9:00 a.l:I. Oecember 4. 1995. It will be sold at a private sale at any time after that, (A sale Includes a lease.) To get your vehicle back you must pay all past due payments, plus expenses. Then you must start your monthly payments again. You can get your vehicle back any time until It is sold. As of the date of this letter you must pay: Past Due Payments (I nf $286.7/ ann one of $265,37) Late Charges Expenses Earnen CPIP In<lll"ance .. .$1389.80 Total Pd to AGency $85.00 $ 551.64 $ 22.88 $ 1,474.80 / $ 2,049.32 Also, your contract requires YOII to have physical damage Insurance on the vehicle. You must provide proof "f this insurance to redeem your vehicle. The longer you wait, the more you may have to pay to get your vehicle back. Only reasonable expenses may be charged. They must be the direct result of retaking, storing and selling the vehicle. We can also charge you the costs of getting It ready for sale and reasonable lawyers' fees. If th'! vehicle is sold, thf' unp,lid balance, f'xpeoses and other liens will be deducted from the sale price, If aoy money is left, it must be sent to you within a reasonable period of 'ime, If you do not get the money, you may have the right to sue for it plus anv penalties fixed by law. If the sale price is less thao t.he total amount you owe, you still owe the rest. GM, GMAC, MIC or CIM as any other coverage you no or the dealer to do this. If you have Insurance or a serviu. contract through part of your contract, we wi 11 r:ancel it. Make sure longer want Is cancelled. Call the insurance company You have a right to credit for' .1ny refunds. Contact us to get your vehicle back. If you have any questions, let us know. ~ MHT /mtj GStCA I.... .,tI. ~EOlEi'.:~PiWN CWO~5 111 ~'M'. J' i..;l ",,, '-" I ," ...:tliu 'l. :"i:!" ki\.\,J c.J.~;.~, ;.' .. ,;1. b.'{ "'n9~u",~~."-"'."1t,'i '... "".'ld 'f &;.I Hr.....-UU~.4 ~ h:n...,~\J ~ ....j~...iJ.. \ J t \ EXHIBIT "0" GENER^LloJORS ACCEI'T^Nn: (\ ,,!'ORATION ,I Nonh II.uk IJfi~c, Ilulll V"IIc)'. M,lr~I;l"lI2lnlO M;Ultllr, ^IJtlll..~t. 1'0. 11m, 1lU11,IIuIlI Vallcy,l\hr)'I.\I\,lllllm I l'lcphnl1c: lulll;f('C JWl).5S6.111fJ or 41O.5M.'.241' IIR^Nnll:' IIlHIII'f;1l111l1 rlll~ WlIRl1I I'Xl" 1111\'1'. f)1'1'1I'1'~" IWlnHl' January 23, 1996 Christine K. Stewart 5 Brandywine Or Mechanlcsburg, PA 17055 Re: Account Number 034-0609-87434 Oear Ms. Stewart: As shown on the enclosed form, the repossessed vehicle has been sold and a balance of $5,955.59 remains due on your account. Under the terms of your contract, you are responsible for payment of this amount. GMAC Is wlllln9 to work with you in settling this obligation. most urgent that suitable arrangements be made without delay. one of our representatives at 800-556-7370 for assistance Important matter. However, it is Please contact in this very Very truly yours, Special Collection Department MT:skd Enc. 05UC 1_.., 41t41 . ..... GENERAl,1oIORS ACn:I'TANCE C; U'ORATION 4 Notlh I'.uk I>mc, IIUIII V;lItI'Y, M.lf)l.ulIllllllU I\I.uhl1p, ^Jdlt..~~: I' () IItl)l MUll, Ilunt "..lIey, M.u)'litlld 11011I I c1t'plumc: f'lll hee AIJ1I.S111.1.IJ1I or 4 H1.SM.H.1''i PMAN( Ill" 1111lIllJI;llIltll" Illl~ WUMIIl January 23, 1996 REPOSSESSION ACCOUNTING STATEMENT I'JUt UIIVI', 011'....1'.! 1II'IIUllf Buyer Address Account No. 034-0609-87434 5 Brandvwi'ne Or Mechanicsburo. PA 17055 Joell C. Stewart Co-Buyer Christine K. Stewart Address 5 Brandv',/i ne Or Mechanicsburg. PA 17055 Vehicle lliZ Year Suzuki Make SW Model/Description 2S3TAOIC2N64074~ VIN ~:============================================================================= Date of Sale 1/3/96 Selling Price $4.700.00 Private Party J!. Oealer Auction J!. Junk Other fr1y~~le (Oescribe) ------------------------------------------------------------------------------- ---------------------------------------------_.~-------------------------------- Comoutation of Surplus or Oeflclency Gross Balance (Includes $1241.50 unpaid insurance) Less: Finance Charge Rebate Unearned Premiums - Physical Damage Group Creditor Service Contracts Insurance & Service Contract Claims Other Amounts Received Ne t Ba lance Add: Allowable Expenses - Repossessing & Transporting $ Recondi t ion ing $ Title & Registration Fees $ Auction Fees $ Legal Costs $ Advertising $ Sales Commission $ Storage $ $ Accrued Late Charges Total Amount Due Less: Selling Price (above) Amount Paid to Subordinate Secured Party(les). De fj c I ency +$ 11,240.05 $ 1,056.22 $ .00 $ 53.35 $ .00 $ .00 $ .00 -$ 1,109.57 10, 130. 48 =$ 250.00 192.23 .00 60.00 .00 .00 .00 .00 22.88 +$ =$ -$ -$ =$ 525.11 10,655.59 4,700.00 .00 ./' 5,955.59 ================================================~============================== ---------- ---------- 'Name and Address of Subordinate Secured Party(ies) Oate '.If Surplus, Funds Mailed to Buyer (and Co-Buyer) on 0''''1.'' ,.,,,, '"'' Oate ;1, "I:. ,1; ~t~~z~liI or D0~uly 5her'lfi of j(;!. y. 1 ".:ll!. l'-'~ifll,j, .11':' bt~;tnJ dul.l ~';Wl.):rn aCCOrd.lfi[J '", '" .:. ~- tt.:~ '1( 1, ~,!; L I. _.__~ilL..1~fl r tLL.__. 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't. . l,:' :;',' ,,' . , " , ~.~- ,.~~ \ \ 7'~- 1---_ ..," ,- ''') C.:'"; ...:.1 , "Il C'" ! ~; ,,- , ':l~ , I el' I en r I " : c 1;"'1 I, ! " e:; ..:) 0 (..' U