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KUHNS-HARNISH FORD, INC. t/a
WEST SHORE KIA,
IN THE COURT OF COMMON PLEAS
:CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
vs.
MICHAEL ANGELO KAYDO
Defendant
of 2000 - /03~ ~
NO.
NOTICE
YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set
forth in the following pages, you must take action within twenty (20) days after this Complaint
and Notice are served, by entering a written appearance personally or by attorney and filing in
writing with the Court your defenses or objections to the claims set forth against you. You are
warned that if you fail to do so the case may proceed without you and a judgment may be entered
against you by the court without further notice for any money claimed in the Complaint or for
any other claim or relief requested by the Plaintiff. You may lose money or property or other
rights important to you.
YOU SHOULD TAKE TillS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY BAR ASSOCIATION
Lawyer's Referral Service
2 Liberty Avenue
Carlisle, Pennsylvania 170 I3
(717) 249-3166
1-800-990-9108
By
Lawrence R. leder, squire
Attorney LD. No. 16707
Barbara A. Darkes, Esquire
Attomey LD. No. 77419
100 Pine Street, P.O. Box 1166
Harrisburg, PA 17108-1166
(717) 232-8000
Attorneys for Kuhns-Hamish Ford, Inc. Va
West Shore Kia
Dated: October 12, 2000
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KUHNS-HARNISH FORD, INC. t/a
WEST SHORE KIA,
IN THE COURT OF COMMON PLEAS
:CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
vs.
MICHAEL ANGELO KAYDO
Defendant
NO.
of 2000 - 7tJ3o ~ T~
COMPLAINT
ACTION IN REPLEVIN PURSUANT TO Pa.R.c.P. 1071. et seq.
AND NOW, comes the Plaintiff, Kuhns-Harnish Ford, Inc. tla West Shore Kia, by and
through its counsel, McNees, Wallace and Nurick, and states the following:
1. Plaintiff, Kuhns-Harnish Ford, Inc. tla West Shore Kia ("K&H Ford"), is a
Pennsylvania corporation trading as West Shore Kia and is a licensed automobile dealership
doing business at Box 1177,6402 Carlisle Pike, Mechanicsburg, Pennsylvania 17055.
2. Defendant, Michael Angelo Kaydo ("Kaydo"), is an adult individual whose last
known address is 6 Independence Drive, Mount Holly Springs, Pennsylvania 17065.
3. On or about November 16, 1999, Kaydo completed a credit application at K&H
Ford for the purchase of a 1999 Ford Ranger, VIN 1FTYR11 V7XTA56129 (the "vehicle"). A
true and correct copy of the credit application is attached hereto as Exhibit "A". ;
4. On or about November 16, 1999, Kaydo's credit application was submitted to
Household Auto Finance Corporation ("Household"), which conditionally approved the loan
subject to proof that Kaydo's Americredit loan was paid off and that Kaydo's employment and
income were verified. A true and correct.copy ofthis conditional approval are attached hereto as
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Exhibit "B".
5. On or about November 16, 1999, K&H Ford provided proof to Household that
Kaydo's loan to Americredit Financial Services was paid off. A true and correct copy of the
proof of payment is attached hereto as Exhibit "C".
6. Upon reliance of the employment and income information Kaydo provided on his
credit application, on or about November 16, 1999, Kaydo and K&H Ford executed a Buyer's
Order for the purchase of the vehicle. A true and correct copy of the Buyer's Order is attached
hereto as Exhibit "D".
7. On or about November 16,1999, Kaydo entered into a Motor Vehicle Installment
Sale Contract (the "contract") with K&H Ford for the purchase of the vehicle. A true and correct
copy of the contract is attached hereto as Exhibit "E".
8. Kaydo financed Twenty Thousand Four Hundred Seventy-One Dollars and Forty-
Two Cents ($20,471.42) with an annual percentage rate of 17.95%.
9. The vehicle was used as collateral to secure the loan.
10. The contract was to be assigned to Household. A true and correct copy of the
Assignment Agreement is attached hereto as Exhibit "F".
11. On or about December 7, 1999, Household declined funding and returned the
contract to K&H Ford asserting that Kaydo's reported income on the credit application did not
verifY. A true and correct copy of the document received by K&H Ford from Household is
attached hereto as Exhibit "G".
12. Subsequent to the entry into the contract with Kaydo, K&H Ford submitted the
title transfer and all related paperwork to the Pennsylvania Department of Transportation for
processing and on or about February 11, 2000, a certificate of title to the vehicle was issued
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naming Kaydo as owner and Household as the lienholder. A true and correct copy of the
certificate of title is attached hereto as Exhibit "H".
13. On or about May 2,2000, after declining funding for this vehicle and returning
the contract to K&H Ford, Household released any lien it held against the vehicle. A true and
correct copy of the documents releasing the lien are attached hereto as Exhibit "I".
14. On or about June 5, 2000, the Pennsylvania Department of Transportation issued
a Certificate of title for the vehicle listing Kaydo as the owner and West Shore Kia as the
lienholder. A true and correct copy of the Certificate of Title is attached hereto as Exhibit "J".
15. The contract defines default as,
12. DEFAULT: In this paragraph "You" means the Buyer, Co-
Signer and Co-Owner, or anyone ofthem. You will be in
"Default" of the Contract if anyone or more of the following things
happen:
a. You do not make any payment on or before it is
due, or
b. You do not keep any promise you made in this
Contract, or
c. You do not keep any promise you made in another
Contract, Note, Loan or Agreement with Seller or Assignee, or
d. You made any untrue statement in the credit
application for this Contract, or
e. You committed any forgery in connection with this
Contract, or
f. You die, are convicted of a crime involving fraud or
dishonesty, or are found by a court with jurisdiction to do so to be
incapacitated, or
g. Your file bankruptcy or insolvency proceedings, or
anyone files bankruptcy or insolvency proceedings against you, or
h. You take the Vehicle outside the United States or
Canada without our written consent, or
i. You use the Vehicle or allow someone else to use it
in a way that causes it not to be covered by your insurance, or
j. You do something that causes the Vehicle to be
subject to confiscation by government authorities, or
k. The vehicle is lost, stolen, destroyed or damaged
beyond economical repair and not fixed or found within a
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reasonable time, or
1. Another creditor tries to take the Vehicle or your
money on deposit with Assignee by legal process.
16. Kaydo was to make seventy-two (72) monthly payments in the amount of Four
Hundred Sixty-Nine Dollars and Sixty-Two Cents ($469.62), commencing December 31,1999.
17. Kaydo has defaulted on the contract by failing to make any payments to K&H
Ford.
18. Kaydo has defaulted by misrepresenting his income and employment on the
original credit application.
19. Kaydo's current arrears total Four Thousand Seven Hundred Ninety Dollars and
Twelve Cents ($4,790.12); Four Thousand Six Hundred Ninety-Six Dollars and Twenty Cents
($4,696.20) constituting payments from December 31,1999, through September 30, 2000, and
Ninety-Three Dollars and Ninety-Two Cents constituting late fees.
20. The contract specifically notified Kaydo ofthe following:
IF YOU DO NOT MEET YOUR CONTRACT OBLIGATIONS,
YOU MAY LOSE THE MOTOR VEHICLE AND PROPERTY
THAT YOU BOUGHT WITH THIS CONTRACT, AND/OR
MONEY ON DEPOSIT WITH THE ASSIGNEE.
21. On or about December 28, 1999, Kaydo commenced a bankruptcy proceeding
under Chapter 13 of the Bankruptcy Code in the United States Bankruptcy Court, Middle District
of Pennsylvania at Case No. 1-99-05526.
22. Pursuant to Kaydo's Chapter 13 Plan, the secured debt for this vehicle was to be
paid directly to the creditor outside of the Plan.
23. The filing of bankruptcy resulted in an automatic stay prohibiting any creditor
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from seeking payment or taking any other pro-active action to retrieve property of Kaydo.
24. On or about August 9, 2000, K&H Ford filed a Motion for Relief from Automatic
Stay with the Bankruptcy Court requesting that an order be entered to lift the automatic stay as to
K&H Ford so that K&H Ford could repossess and sell, transfer, convey, retain, lease, liquidate,
dispose of, or otherwise deal with the vehicle as provided for in the Installment Sale Contract, the
Uniform Commercial Code, and/or any other applicable law. A true and correct copy of this
Motion is attached hereto as Exhibit "K".
25. On or about September 12,2000, after Kaydo had failed to respond in any fashion to
K&H Ford's Motion for Relief from Automatic Stay, K&H Ford filed a Motion for Default
Judgment with the Bankruptcy Court requesting that the Court grant K&H Ford the requested
relief from the automatic stay. A true and correct copy of that Motion is attached hereto as
Exhibit "L".
26. On or about September 13,2000, the Honorable Robert J. Woodside, Chief
Bankruptcy Judge, entered the following order, which is attached hereto as Exhibit "M":
AND NOW, this 13th day of September, 2000, upon
consideration of the Motion for Default Judgment ofKulms-
Harnish Ford, Inc. ("Movant"),
IT IS HEREBY ORDERED THAT:
The Motion for Default Judgment is hereby GRANTED;
the Motion of Movant for relief from the automatic stay is also
hereby GRANTED; and the automatic stay is hereby lifted to
permit Movant to exercise its rights and remedies under
appropriate state law to reposes, retain, and sell the 1999 Ford
Ranger 4x4 truck (VIN# IFTYRll V7X7 A56129)
BY THE COURT:
/s/ Robert J. Woodside
The Honorable Robert J. Woodside
Chief Bankruptcy Judge
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27. K&H Ford has made numerous meritorious attempts to repossess the vehicle since
the entry of the Order lifting the automatic stay; however, all attempts have been unsuccessful.
28. Kaydo has been unwilling to identify the location of the vehicle or to in any way
cooperate with the repossession of the vehicle.
29. K&H Ford, as the rightful lienholder of the vehicle, has the right to immediately
take possession of and sell the vehicle.
WHEREFORE, Plaintiff, Kuhns-Harnish Ford, Inc. t/a West Shore Kia, respectfully
requests the entry of an order in its favor and against Defendant, Michael Angelo Kaydo.,
commanding the immediate delivery of the vehicle to Plaintiff.
Respectfully Submitted,
By:
Lawrence R. leder, Esquire
Attorney LD. No. 16707
Barbara A. Darkes, Esquire
Attomey LD. No. 77419
100 Pine Street
P.O. Box 1166
Harrisburg, P A 171 08
(717) 237-5381
Attorneys for Kuhns-Harnish Ford, Inc. t/a
West Shore Kia
Dated: October 12, 2000
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10/09/2800 17:18
7558750
KH FORD INC
PAGE 02
HARRIS SAYINGS BANK
DW.EIl W~ 6\-.xe KIA
l.l>CATION
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IMPORTANT: READ THESE DIAEmtms BEFOJU; COMPLETING THIS AP'llCAnON .
Itvou an, ~plying fat Individual ctedfl: in your own name Ind IIf1Il1Ifying 01'1 your own inton'llt Of .$~ #I\d nQt the Income or a!lU11 01 anothlll' PiImOn.. "'" bUll for
pll)'lTleMO'ltl'lC...:lit,.ql.lWt<<I,~_Iht:-l'oPpll(;.nIInfonn;BIIQJlMblIlow.
II you ~ tppIylng U;Ir Joint cmdll with iIfKJthIlr Pfl"IOn. ~Ia both tM ftApplieMt lrllotmillliofl~ and tho "Co-applicant Infonnatlon- belew.
SECTION I. Vehicle Information ' , SAUOPAlCE ~l50
X NEW 0 '-'SED + l.IJLEA4E MSRP ;;;lO, "SO """"".....,.. I. $'0 C
YEAR IC\C\C\ MAKE FOcO. MOOEL ~n...n.,e.c- T1WJO 111.000
~ PAVOFF 10iOOO
EQUIPMENT ')(.\...T """'"'" 1.1.'7.''''
_NO,..' I..No..'C.e._./llg.,,~\.gO TtRM' 7 ~. =~D ~~3\'::
SECTION II.
APPLICANT INFORMATION
CO.APPLICANT INFORMATION
FuIlNa~
CI1y.
CtIl11'1ty:
Stalt!
full Name
8irthDate:
~$I;lQurityNl,),:
No.ofOllp!M'tdent&:
Zip.:
City;
nOb&;
YI"5JMoi. T~8:
C""",,,
Slalll:
Zip:
VnlJMo$.. ThIInI: (Anla Coda) PhaI19':
. ~ \ ~
SECTION III. Residence Information
~INQ
lArd COde) PhoI'l8':
o "ENT
DOWN
o O"fHIOA
(ElIpIilinl
_GE HOUlE" I LANOLORD NAME: ~C ..... 0 =1lG ~
MONTHI.YP,WME1'IT:$ -,50'.
SECTION IV, Employment Information
Pres mpIoyer.:\oJ Yt.~.et TIWir: Pre&lInt Emp/o)'er.
y~o,.~
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PoBIIlQn Or TItle:
Po$itiO.,OfTitlo:
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!:]
Empioyeta AddrelI;II!
"7,
(Atea CoObi Phone .:
EmplD}'8r'IiAtldrua:
(Ar'B.- Code) Phone .:
I':
Other Monlhly Income:
$
\la:>1'bG- ~O "
IO""r..._ \"'tr
SoulllnllfOlhllf 1ncQmI! ildrm~,eNlI1!~, ~Hf>l1lI11 malntellu1llelQaomIlIHIIllD1 bl"l'OlelIl
YlIUda IIlIIwkIl<<lllMlI~lIIu Ibmt 1w11~~glblioilllDll!OQ,Nlm0ll1,cbitdw;~vr!, ltpirWI
~la~lOC:einII~awtoutt.tder Owtlnt.laQn!eme_ Dt./lIIIIIWl8ISWldlng.
0t0M Mon1hly SeIary:
$
So~, QI Other Inl;Xlme:
oth8rMOI'\fl'Jlylncorne:
$
Sv_gIO\tlerl"CQ'IlI:AUITMIIIY,c;tdkI'uppol1,gIHIJIIlllllllllllllalllPlmlJllnMldlllllbtm.aleclW
~ ~'RIIl.ls~\'~ II:cOll'W:IOfednl bHllw~lJIIIotIlIQt\IO~,Alb'noftY'.'hlld'lIJlIQrt,Hp..
,"'lIIlll1llll1111C1t!<<:lNedUlIlIIIrCnrlDldw Owtlltlll."reamant C)IiIllUUliISltlldIn9-
If III pRI!lBI1l. lob IBa& than 2 ym.
VraJMas.nU!rll:
Kilt pnJ5M1 job isHII than 2 )'fB.:
YI8JMoII, Th_:
Pnwloua Employer., Ai:tdffl;tJS; (AIM Code) Phone ,:
Pf'9vk1UII EmpIoyllf'lI AddmBlI; (Atu Code) Phone':
SECTION V. Credit References
BANK' CREDIT UNION
~ldrg}\cl(:Q\$nt':
I'UmcItlIBar1k;
Ct\flcklngAccDUnt':
CQfbll (.JPIov
savings AccDunt .:
Name of Bank:
SiMngl ACeaUm I:
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Name ot Bank:
Name Of Bank:
..f~',
UST ALL DEBTS AND RETAIL CREDIT ACCOUNTS FOR WHICH YOU ARE NOW, OR
RECENTLY HAYE BEEN, RESPONSIBLE EITHER ALONE, JOINTLY, OR AS A CO-SIGNER.
CREDIT REFERENCES ~ AU DeeTS DUE BANKS, FINANCE COMPANI~; CREDIT CARDS; RETAIL ACCOUNTS
(ulUll!ltapllraN IIhMt if 1'l6Ce1l8B1')')
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I Name oIC*"lot I ......... I 1Hl1~* I Pa"""" I NamllllfCI'tIditcn' I -. I ....... I P*'yMtM I
EYefYU'llrlg I have 5tated it COI'MCI 10 lhe b(tst at my kf'lOVlledgfI.1 unc:IlItSWld that I mlllt b, u lAst 1M. "gll of maJorIty to bIIl11lglbr.. end that Kt,RRIS SAVINGS BANK will
I'8taln thIs.lIPplicatiOr'l. I under~tlInd thllt by SigIlIng and mluming ttQ U)p11caIlI;Jn I Bwhorite HAMIS SAVINGS BANK 10 Wllify VIII infOm'ratiotl pnMffICIltldudlng my emptly.
menl hll!ltllfy, providolnformatlon about YO\lr credlllnlplllillnGe with mD 10 thIn:I palhli\ I"~ acoount 8r\d appliGation InfDrmatlan about me with 1f\lI'd ~8I1lBa, lncIudlrlSI du-
If<t~, lUId rwbSid4MS, oblm B cummtetedl! bIlIItIIU ~ M.,.ffl!I'snd II) ruqwsl at1d11iOMJ lllloPnatl(\l'\ ...,.;&:;alion Of my ~I\P al'JO' aI.My .applIcatlon. I und8IItInd that
baUd DI1 your ~IIW, I win I1ICl!ril/O c~ up ta the amount ahDwl'l ~\I~I$(I. I"~ undsrstand that if a (lurront cr<<lIt bUlUllI'lDOrt 1ndICII~. banlcrup~. fMIolow..
.ltiH:hmfI~ gBm1ahmanl, tepOUM!IIOfI,lItmOl'W(lgemBIII:, ""c"'~lI-Cllf..yau maywllhdnllw the crudi1 after. or If such lnfl;lImallon p\tlo$a 1M In der..ult Df my ~,.oo
Dlsotos.Y""stBIementt~ment,.)'Oumayau&pOl'ldmyQnldltpri~ ,. ~.. ;'.;)."",."
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10/09/2000 17:18
7558750
KH FORD INC
PAGE 04
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1(717)918-0387 APP #: 22483697
PA YMENT CALL . Please enter entire de.' structuR and resubmit to th. Credit Cen", lIsted below.
Year: 100Qq Make: -Fo--J. Model: R~..... -,{ L -r Mileage: i3-:S-
Book I Invoice; ,-J g 'b ';)1 ,'ld term Requested: '7::\ Payment Requested: $ 4."7 s:l ,b d-
R8le Requested; I, ,q'5 % Amount Requested: $ ':;)C'I tab 3.t. ;+.s..Jes Plica: L.
Sales T.x: $ ER(, .7~ Lkense: $ , '+51'-15" I.A&IU 0 & H: $
S.rvl~. Contract: $ I d. ~ S- Other: $ Cash: $ Ji!f Deferred: $
FectoryRebatl:$ 1/700 T,.deAJlowanc:e: $ ".35t:> Tm,Payoff: $ IOJ7b.F.3
Trlde: (Y..r I Mal. I Mod./) otG ~ lKn.~~
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Attention:
WEsr SHORE KIA
RON LUYSTER
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Applielnt:
Co~ppIIWlt:
KAYDO, MICHAEL
Payment Amount;
500.00
EMPLOYMENT AND INCOME MUST VERIFY AT TIME OF FUNDING.
Addition" Stioullllione:
1. PROOF AMERICREDIT AUTO LN IS PD OFF.
2.
3.
4.
5.
Comllllllls: THANKS FOR THE DEAL!
NOTE: FINAL FIGURES MUST BE SUBMITTED TO THE BUYINC CENTER
PRIOR TO SENDINC THE DEAL TO Fl,INDING. DID NOT CONSIDER OTHER
INCONI': SO NO VER IS NEEDED. PRIMARY INCOME MUST BE W2 TYPE.
ALL PURCHASED CONTRACTS ARE SUBJECT TO A $35.00 ASSIGNMENT FEE
SILVER
re..: $195.00
Credit Offic.r: LISA DETULLEO
Dat../Tim.., 11/16/99 7:04:33 PST
NORTHEASTIlRN CREDIT C~
800-366-9731 aOQ-J66-6757 FAX
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10/09/2000 17:18
7668750
KH FORD INC
PAGE 05
CHecK
CONTROL NO.
76872
ISSUED BY: TAMMY SHEAFFER
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PAYOFF ACC'I'
000-404-859-522
MlCHAEL ANGELO KAYDO
273-66-3575
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10,173.17
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76872
81467
1002 -10,173.17
2310 10,173.17
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TOTAL
1002 10,173.17
DETACH AT PERFORATION BEFORE DEPQSmNG CHECK
REMITTANCE ADVICE
-
KUiIN", '" "~.INO:
P.O. BOX 1177
8320 CARLISLE PIKE
MECHANICSBURG. PA 17065
(7171 788-473a
Flnal101tJ Trult
76872
_72
31r
16NOV99
CENTS
*****10,173.17
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'@ 1.:Jii>ii KUHNS-HAIINISH FORD. INC.
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AVTHORIZED SIGNATURE
FILE COPY
=~
10/10/2000 15:09
7668750
f""""'" ,~
---
KUHNs.-HARNI.H FORD. INC.
ON THE CARLISLE PIKE
BOX 1177 ;
MECHANICSBURG, PA 17055
. /
766-4733
CUST.I.D.
MAMMICHAEL ANGELO XAYDO
STREET
6
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ZIP
.c)OO" Ml ·
ITLE ,.
SERIAL.
8A~CE OWED Tal
E)c~ESS WARRANTY (NEWvt!:HICLI!S ONI.V1
. THIiiONLVWAR!'tANT"I ""M.lCA~U! ISTHIii"RINTED~UFAeTURell S NIiiWVI!HI-
ell! WARRANTY WHICH WIl.l. BIi' DIiiUVt:RiD TO pURCHASE" WITH VEHICU!.
AS IS
THE MOTORVliHICU:IS$OlJ)uA$ I$w WITHOUT ANYWARAANTV !,!lTHER EXPRESS
OIlIMPUED. THE PVRCHAfiER WILLiEAR THE IENTl"': EXPII'NSE OF REfrAlRINQ 0"
C:ORRIliCTINa ANY DeFECTS THAT PRESENTLV E)Osf OM THAT ,MAY OCCUR IN
THE VEHfCU".
OISCI.AlMlifl OF WAARANfIE~
I UNDERSTAND THA1'VOUITHE DEAlE'" EX~ESSI.VDISClAIMAlL WARRANTIES.
IITHEftEXPRUSOR IMl"UlD.INCWDINGANYI"'PUli'QWAARANTVOF MERCHANT.
ASIU,.... OR FITNESS F~ " PAli'rteULAA PURPOSE. AND TMA-r yOU NEI1l-UR
'. ASSUME. NOR. AUTHORize "'NY Oll'tER NASON TO ASSU~" FOR YOU ANY 1IA.
'IU1V IN CONNECTION WITH THE ~IJ; OF TItE VEHICLE. except' AS MAY OTHER-
WillE 81!. f'ROVlo&O IN WRmNG BY YOU IN AN ATTACHMENT TO THIS CONTRACT
OR IN A POCUMiH1 OEUVIRIP TO ME WHeN THI VEHICLe IS DEuvtRtO,
THIS cONTRACT IS NOT BINDING UPON !iITHEfl THE DfAl.-l!" OR THE PIJfICHASER
l,rNTIL SIGNf,O BY THe bEAI.t:R OR HIS AUTHORIZED MANAGER. YOU THE bU'YI1A
MAY !;ANCEL tHIS C:ONTIlA.CT BY GMNG WIIIT'1'EN NOTICE OF c;ANC,EUATION TO
THe DEALER. AND REaIVE A. FULL RGFUt.\DANY TIME IEFD"II!: RECElPToil A COPY'
Of' THIS CONTRACT IS $/ONED BY THe DfAlJ!R 0" HI' AU'tHOft'l:EO MANAGER.
I CERTIFY T....T t AM Of LEGAL AGI OR OLDE" AND AC-
KNOWLEDGE RECEIPT Of A coPY of T"I& COMTRACT.
~I ~O'[VH/99
PURCHASER'S
SIG.......1UAE
..,;,
f
KH FORD INC
",....
SlRIAL
STOCK .
SALE!1MAN:
CASH PRICE
ACCE8SoRIES;
MODEL
",
-- Jj111i~'
PAGE 02
y....
COLOR
IDa
ER't' bA1'e
.
.
O. 0
.
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. 5.
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s 350.0
.
t:fl/C& FEE
.
CASH
DOWN
CE FEE
5, P,A.RTIAL I'AYMe,NT
O. BALANCE
PAYOff
~UE ON pEUVEtf'l' '
7.AMOUNT FINANCeD
OTHER e. LIFE YES C
CHARGU 9.,. It Ii YES, C
uNPAID lIAI-ANCE IAmounl Finane:oo)
10. ES '-O.g
'NAME OF FINANCE COMPAN,V
l-~
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NO a
a
. 112.
. 7.5
.
.
.
.
..
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.
CI PURCH4.SIE.RWILLOPTAtN FINANCINOASREQUlftEOBYTtUS'
X CONTqACT. SELLER MAV ATl'EMPT TO SECURE FINANCING
ON 8EHALF OF PURCH"'SE:R BUT IN. NO EVENT DOES :lELLER
HAVE ANY. 08L1OATtOH TO PROVIOE P"INANCrNQ.
o PRICE SUBJECT TO MANAGIl!RIAL APPROVAl.
a TRADE AI,.LOWANCE BURJleTTO MANAGE",.S APPROVAL
""c.mo.v,R,.5~
(DEAI.f,R MANAGER ON1.Vl
'.. I'
n4Jl>14, ~.~
1.1"" .
'.
...-....DEAL.Eft CERTIFICATIO....NS....T^.c'TE.M..' ENT"'~." ~:,;~..~,.,,,:.
" r\-!. il,"''''4;,~~
/- r.... 1- I.' .' ,.1 t"~ J",!;U~
w. it;" HJllng o..ldrt w.nt yOu to know th.t h I L . .'.."'< :.' ~'. :l\ ,f I
l~) Bued upon at t . t me the llbov. d'ICribed vahil;lllll is being dl!lliverod that:
cov....d bv IIn ~nviranmlllnl.1 Pfl)teQtlon Agency'II;:PA) Cllnfj'iQata of Confo~r:;~lh.~ by the m~IInUflctl.lrerJ. w. h"";'~~ed~. '~J ~lllIehh:" a.
(21 WehAvorrllld.llvlrllulllnspl!tljllionofth hi I . . '. "~'";j,." ..... 'I :!'\Il..
Pf'Op.tfy in.tall.d by the m......uI.lu:ttJta IV. c .. including th. 8ngl"8; baudl,lpon.uchvilu.llnllr;'l8ction .U,,",I"'--'''''''' ......., :... &~1.. .
r, . "wo' (:ompo~"iIVlebe-,",
(3) WohevaporfornMId,lIeml..ionralated ' , ';:.', '~' ':. .~'".. "
!IoNic. manual provi(fQd by the mlnuf\'l~~::.at,,;'" reqUlrad by thll rr'ltll1uraclur., prjorto the ..1. oftlfo vehlcl.~ ~:..t,f~j~h"Urr;;r~ ,-
(41 If till YflhiclefailunEPA.approvlldemlllsiontlSt ' t th .. ~"""""'_'l''''''',~""'1:~;:~>\ ~q,~"":;.,"! .
lit tfl, time of dlt/lvGtv to the ultlmlte PUl"(lft...r. :::;,,: v~:'iP'~elI0;' of th"~ ~~n:. or4.000~1I.'(vthic:h.....rOccurafltlt) ftomthlidM.Ormll;.";' ;
me/nt.nange and U$III, then the Y'hje~ manufacture, ahl!lll, It.. MImi/in In .'''dusedfnaccOId'I1C:'WfthtttewrlttenlniltNa1lon'forllfDp.~1
NO manufilltltf,lrer'a 5 year /50.000 mile emission ~rl"onn.ncl!I ~::.~~.h. nonconfQrmlCY ftlil' of eha'UIiI to the vehlcl. Own.r IIl'ld.,.chit .'.rrnLot th'J'
TE: THE DEALER MAKES NO REPReSENTATION ~"t.-'..y. "~! "',l\.:.l
DEFECT NOR THAt THE SystEM WILL PROP~~L~:~:~~~ ~~~T J~~J~g;~~N ~ONTROL SYStEM OR ANY PART THIi,REOF lit~THObT
TINH.PAR;AGRAPH" ABOVE fURNISHED Wl'tH THIS VEHICLE is SOU:J.Y THAT Of~~~ E....MISSION PERfOR~CEWA~ANTv_ . ED ~ 1
RETO. . NUPACTUflER AND;:THE g-rA~a: IS:, t,
Th~ IIbov. ~t.t(fmlNlt i& rBql,li,..d by Slilction 201 Df- the C'H~ AirA~r'-liu use 7641) :'d~ ~;.;~,:~il~:'~}!a~,r,.._' ~:~.;"
, . . . IJn 1mI' r::;noo "'lIul.tltJIU ~Ulld
10110/2000 15:09
7668750
""I
';L
'1ri~_~v
KH FORD INC
\-;t~.:~ .., ~~"'T ::,;i'"e1
'.1,<""" '.;Ill "J
, ....-.~:<:.,i 'S1"
5, Purchasar a~~e~~'t~ dlillliver to 'Dealer ,.tilfa;'"o~"~V.~~;~" ,I
miD to any used motorvllrhiole traded in 8' e "erto1the conf.lderadon"'
for the motor vehiCle orclersd hereunder at the time of deliver,. . 1 )
such uif;l;ld rnotorvehicfe to 0881~r. PUrchil'lIrw8"a.nta 8ftY!BuCh used' !
motor vehiCle to be his propertyfreo and clear gf ,II lien. and .n'cum:.':
branCe$ e~vpt a8 otherwise noted hef8in. .'.. .. ._1
. ,to -..' 'c.: '.~'
;
. 6. M~nl,.lfilQtUl'8r has reserved the right to W"Qe me dhJg,.,:OI:;
any new IrIotOr vehicle, chassis. 8ccesaoriee or. peru thereof 1Jt'.nyf
time without notice and without obligation to nielw tile 8.m.'01" anv~
similar changes upon any motor vehicle. ehaasls; acc."orle" or,:
parts thereof praviously purehaud by or shipped to Deel.r or being
manufactured or BOld in,accordance with Dealer's ord.... CorruPDftd- .
ingly, in the event 0' anv such change by Manufacturer,' Deal.r ilh.l~
havs no obligation to 'Purchaser to make the'lam.,cn'.\*ny. .bnll'
(lhange in ,ny motar v8hicle; chassis, 8CCMsoii.li or/pana'thaNa
covered bythie Or,~,r either befor~}~rsubs.qu.,'". tci d~ll~~;.t~~I'
to Pl.Irchaaar,'~ . " '!" \.' "',n~~ ..,
, " , :,., .. '." ..,,!>1,'~,~.;\
. 1. beater shall not be liable ~r"f~lIure ~d~d~i~~' ~r"~~~;~
delivering the motorvuhh.lu oovel'lI!Iid bythla Orderwhero It.ichfeUufilj
c;ndelay is due. in. wholo or in Pilli. to any (I_use bey.ood the ca'~~~
withoutthefau't'or~.19encltcf08aJar, ':.. .:.;~',;'r~~T
. '.,.:,.~ ,-
8. The price 'or the motor v.hicle specified on the face of thl.
Order includes reimbursement for Federal ExciSe taxe,; but do.. not
include sal~s tIlJCe., U5lj1taxes or oooup,tionat t... baled on ..Iee
volume (Fedlljlral., Stlite or Local) unlelils expressly. 80, atlted. .Pu",
chaser il6sumeS and agrees to pay, unlees pR)hlblted by' a., any
such salliS, use or'Dccupational tllxn imposed on or,ppllcable tothe
tr.n~.ctlon eOVlll'lI!Id bv this Order, regtllrdl8lil'S of WhiCh" Plrty may
''''eYe primalV taJlIiBbility therefor.
ADDlnOPfAL TERM. \NO eOHblTION8
CONDITIONS PRECEDENT T~ DEALER A(:(:~PTANCE.
, l,lnthe 8v,entthatthetransaction reterredto in this Orderi& not a
. C.&:,h tr.n~actlon, the purehatler herBin, before or at thB time of
~ehvery of t~e ~ar ordered, "nd in accordance With the amount to be
flna!,ce~ '$ u.,d,cated on the front of this Ordel', will execute a motor
vehl~le Installment sales contract. and aUQh other documents as are
r~,!Ulr$d by /I finance institution and by law, if this Ordet i~ con-
dltloned upon the ~urchilsllr obtaining finlin.cing and jf the pur_
ChaSers coJnnot obtDln. after a bone fide effort. fInancing as indicated
In this agreement. any deposit will be refundCld.lf eny purchaser on a
cash Bslll ors.le to be financed. rlitfu$es to complete the sale after the
oJcx::eptar'lce of the order by the dealer, the dealer may retain 8t his
option, any ca$11 deposlt made by the purchaser, Iwt onty' in 'he
amOl,.II1t speCified on the reverse side ofthis agreement, In the event oJ
ua.:tif motorvehicle h" bee" traded in a$ purt of the consideration for,
the motor vthlcle ,otdered hereunder, the Ooll;/lll,r may ;!III$Q sell such
us~d motorvehicle and reimburse himself out ofthe proceed. of such'
sale for expenses incurred In storing. insuring. conditioning. and
.dVenlsing laid UGod motDrvehiele for sale andforsuch other expen-
ses. and losses 8S Dealer may incur or suffer aa.. rC\tsult of such feilure
or, refusal bV Purchaser. Dealer is ,Iso entitled to;t ulling c:ammi$~
siQn of 15~. The .balance of the proceeds will be forwarded to the
Purchas~r. .
2. As ul8d in this Order the'umns (81 "5elle(' shall mean the
authorized De,ler to whom this Order is addrlllssed and who shall
become a party hereto by its Iicceptance t1ereof, (bl"Purch8Iil8r" shall
me.n the party executing this ordar as such on the face, hereof, and
(e) "Manufactul'e(' shill mean The Ford. Motor Division. ,or other
recognized h'lanufacturf!;r that manufactuT1Id the vehicle or chassis, it
being understood by Purchaser and Sellerthet Seller is in no respect
thlll: sgent of Mal'lufacturer, that Seller and Purchaser are the _(lIe p,r-
ties to this Order and thl!lt reference tD Manufacturer herein i9 for the
pU'rp081t of 8J1:plaining generally cert$in contractual relatlontlhip&
elClstlng between Seller lInd Manuf....cturllr With respect to neW
motor vllhicles.
~ 3. O(loJler rsS9lVU th~ right to ch.flngllo the C6~h d~liver~d priell Of.,
a new motor vehicle to Purchaser in aClJ;l(lrd Wtth Increased CO$t$'
causlltd by the passage of . law or regulation of t"e United States or
the Commonwealth of Pennsylvani(r which require$ the ,ddltion ot
new eql.lipment to the vehicle or Ch.lRg8S transportation (losts on
eKS,ting ta~ r~alBS: or. in the cue offotJi!llign made vehlcle5.- i$ due-to ill
"""'$III.1",tion of the United Shiites dollar vis-a-via the currency of the
COl,.lntry ot manufacture.
4. Ifth" used motor vehicle which has been traded in as part of'
the consideration for the motor vehicle ordered hureunder is not to,
be deliver.d to Dealer until delivery to PurchaseI' of such motorvehi.
ole. the used motor vehicle IIh.ll be re8Ppraise~ at that time and such
reappraised value shall dlllt8""in'e the ellQw"nce made fDr ,"uch used
motor vehi<:le. if such r8apprlliesd value is lower than the original
ullowanCI/I:;thereforshown Dn the ftQnt of this Order. Purchas$r may. if
dissatisfied therewith. cancel thi$ Order. provided. however, that
diuch right to cancel is exercised prior to the deHvery af the motor
vehicle ordered l1ereundertD1he Purchllser and surrender gfthe "Ged
motorvehiole to Daaler. Aellppr"lsal willlowerth$valuB of the trade-
in only if the vehicle has Buffered dam"ue or serious mechanical
deterior.tiQn sincH the date of initial valuation and prior to delivery of
the tl'llde-in to the dealer, or if pans or accessories, orboth. includin,:
tires and a\ldlo components have been removud or replaced wit~
pam or Bceeasoriea of inferiQr q\lolity,
I,
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II. '11M..... "" _,..,...... ....lmpllod, m.d. by
"'.....'...h.,.....orth...-md......r,on ~.v.....or~.
d........d "n .... _ h...... uo"'" ....Uri,tho .... "'. .....
"vohlcll......_...plf_m..IlIf___,...c~-
'"""d........ to "'..._wlth_WIikiNo,....~..._1
opply..............Noh"""'"'m_."""~...~~I'-,.
HIIt_ ",",n,ThO """vo"'... ..ri'M\y..... omlY~;:
oppO_loto ...... ..... _... ..........IS o,nd No ~ In
II... '" 011_...""111Ioo,..,........ ..lmli\lild, In_'!II ond
Implied .....my. "'. ...."'MnloblR"...." mn:... :tilr':-,P~"
""""'..... tho ....'" .1I"""'ntll..........-.;...iljljillOolbu.
by '" on Olll""n'_IIfIllOlloW..w....nty "-.11 OIlY, _I ,
..._I....._"bylhtl.......oI'._...-.ntr. . . .i;.
"..'"t. '. ," ,.
'10, Any used motor"ehlcle. ~Qld to Purchaser by D.alerunder~h~.'
Order is sold at the time of,dellvery bv.O..lerwlthout.ny auaral'\tee.
or warranty. ell-pressed or implied, InCluding any Imp'i.d wlmnty ot.
merchantability orfitn6ss to.. e' particulliirlru(pot:...~II. to Jt, condlri.an
or the cQttditlon of any port thereof except a. ""av be otherwise
specifically -provided in writing on the face of this Order or in a
$ep..r,flte writing futnished to Purchaser by Pelller.
1 t. The Purcha~er.: ~fore Or at: th~' tim~ of delivery of the motor
vehicle ccwered by 1hi, Order will e~~ute such other formB of agr....
meflt Qr documentu at MttY be required by the terms and conditions of
payment indicated on tha front of thi$ Order. .
,
,
--.....-.,
1018612080 14:54 7568750
PEftNSYlVANIA ,
MOTOR VE~ICLE INSTALLMENT SALE CONTRACT
D8te~
KH FORD INC
NOV 16 1999
PAGE 83
,
ANNUAL fiNANCE Amount Financed Total of Pay",ents Total Sale Price
PERCENTAGE RATE CHARGE The InlOl/nt III credit provided ThelnlOllntYlIuwillN,lIepaidllifterrou Thitnl~slOI10U'Pllrthxeon
. Thlcord (jfyourertdilliS lllr=6olfaramount1ht1 taf<l'IIMtlR)'OlIroe"~If. h3\'emadt~schedulad~}'lIJetIIS. ClBdH, indlldilllJ"W,ewn ~8nl
lyuflyl1tt, credit will cost yilu, "I '1'7t. A'lI
,
17.95 $ 13341.2. 20471. 42 , 33612. ~4 '134969.47
% I I
VllurPaymlntSchedulewlllbB: Socurl\)': 'r'lIu"re e:iwine ~ se(;urlty intere$t;n the motor vehicle beine
No,ofPlymanfs Amount or Payments Wl\eIl P.ymenb;Are Dull: purch!$Ild. "
~, I ... .. MlInthly hAlrinnill" ., n.~ -;;;;- Prepaymtnl: It you paJ lilt early, you will nolhllve 10 pay I llenaRr.
,
rmIllFI..:$ ''11; "l"'l
,,&au CMret; III paymem,!s: 1.lI~)'VII wlllbe: I;harced 2'lf<A tltf partion otUle m'/JlfRt which /J. I,tJr far~ month, IN' parte', IfK1IIfh lfUIer~n 10daJ's. tiI.1t it ~M UII~
See below and any other .Ccntraet documenl$ for Iny Iddilio~llntormlliDn about IIOnpaymeltt, default. IfIJ reQuired repayment in fun before 1M scheduled d,ta and prelllYlMnt
re1und$.ndPBnalties. . ':'. . emeanslltitnale
4
YDU.te
lhoBUlERiSl.
~eme~
IF YOU bO NOT MEET YOUR Cl)HlRACT
'OBUGATlONS. YOU IoIAY lOSE THE M010R
MtCHANICSBURG. PII 17055 VEHIClEANO PROPERTY THAT YOU
Addl"fS3 Zip Code . BOUGHT WITH THIS OONTRAC,T, AND/OR
" MONEY ON OEl'OSlT WITH THE ASSIGNIE.
INDE~ENDENCE DR MT HOLLY SPRINGS PII n065,TI1OOlnlraotIs_._...\loyodl
, '_""'beon_bySeDer._
Addrm/;') , I"Cod$) _ID_"'~ID"^,""".
..
InlliisContraet KUHNS HARNISH rORD tHe
:~1LLER. 6320 C/\RLISLE PIKE
Haml'!
MIClfAEL ANGELO KIIYDO 6
, .
If there Is ~lIre,than line Boyer. each promises, $tp&rately Ind together, to pay.aA &Urns due us and to perfonn all agreements in this Contract.
TRADE.IN:
You havetn.dlXl in , "
1h'lollowlng,ahIl:le: 1999 FORO RANGER
, YearendM.kt f)at:riptlon
III balmCfl is; $IUI ow~i on the VlhielB,o;' IlaWlfaded iii, thl Seller wid payoff this amount 0I'l your'bGhall. You WIHIIlI and repJ8Sent to us that
any frIde.In 15m m 1f8n,t:fatm. encumbrance or 1IBCurif)' interest. QceP1 as ahown irll1\e Iteminfi(Jn ofAmounl flnlnced as tile -uen P'ayOff.~
PROPElt1J INSURAICE: Y~ ma)' ell~ the perscm throu<<" whDm InBurance Is obtaiplJd against 11)$$ or damage to the Vehicle and lIlainst
liability aniline out of use or ownerS!!I, ofttie Vehich:.ln this CClntract,Jou lit promlslrl,to insure the Vehicle and kIlIp it insured.
CREDIT Irt$URANCE IS ROT REQUIRED: Credit life Insur.nee ,nd Credit DlsabUlty Insur~lDctI: an!lllot required to obtain cl1ldll. and will
not be provided unllU ybu sign below and llKree to pay the: additional cm(s). ~Iease read the rroTIt! Of PROPOSED CREDIT- INSURANCE
tm 1ht teterse sid., 'tour IIliUflRCf ctttlt/eat.e or pol1(;y wm tdI too the- MAXIMUM e:Im)URt af Irlturaace 'Yllihilile. AII/nsurln" j14IfCht$td
will bl for tbll term ot,the llre~it. '
B)"Ji&ninJOV$8bldShlgJeClellif~J/JS.II"~' Wh&tk)'OUf By.tIBnIn&youalllcl.smjleCrednkdJltntlli
whi~hC~$, 'VA a~e!_~ut$ ''*lthlnlUlanCl,whiell~ls$ ll/A
WhltiJpw
agll1_Y~
Itemization of Amount Financed
CashPrtce' ..
, .-M'"
CaslI Uownpayment. .
, Via
TI~d'Hh
Value of Trada.ln
, 11350.00
Uen PI"''' 'III!:RICREDIT
, 'Mft. Oft
UnPJid Cash Price SIIJf1ct
,
~ TD Dtedit IMl"nci ttn>>Plnv
EI I ' ....
"s TtPublii:.Officialsfor:
11 Ute"se, Tlgs,ndRe&ls,tl1tloli
" ,
.
i. lienFeei
~ ,
J!
011 To
.J ,
~ ~tXtENDED NARR~TY
D
~
~ T.
5 1o.UU.
" *' uL'l. rrolO~
'" T. 'II 3l\LB3 1'IllC
&: AmountFlnan;,i' .
, ,
FI"'''C~'ItI ,."...
, '
Tatalof,PI)'fIIlInts(timellalance) .
I .. -
PlymtntSch,dlll'-You .(rlatu PI'
lousUJ,Amountl1l1an,*,plullnlBf8stlu
";l.k.,,, 469:62
uc;h, and I final patment elf
I" !li~' 62 : Th.,..,
payr!Kl1'l\ dUIGI'l .'- '
, . ol.~ 1.l1/i.~ym...
'lriNdueon IltIfHllltl (ltyotaadl mantfl
"'.....
Sl",aturellfBll~rtobflil\&ll'ed'orSln&leCfi!\litU"llWrranc.
8~s1cn1ng.JOlIbot'ueIeel:Jl;lint MIA Wbatare
credit ur.losullnce. wllioJr CO$U $ ,allr apsl
S/pIIlurtd' Bu>>etbl b8~r1ldforSinlleCmlitAaiidem: l HuIlh IIlSUIeIlc:Q
BYsiinlll&yGllboIhlllllct.JaiIl1CmUt Niall wlllltam PlI'Centa,p
Alx:ih"HulIblllSll1'm:e.whiclr!ll;1$l$$~ J\I\II~Ps? lObe
Insured
J. ___"
I.
I" _2 __~
~1turt$orbCldl Buytrsto be insurBd far JointCtedllUfallUllrance Slgnlhrmofboth Buvntobaitlsuredfor Jaint
Ctedltkcldlllt lHulth IllSUtll,* '
In!:ltntr:
VEHICLE: You hive t1ll:reed 10 purel'llse, und" the terms 01 this Contract the fClltowinl!: motor vehicle and its extra equipment, which Is called
lhe "Vlhlcle" in lhi;COmtltt ",
IllU li.u.._ _ ~~ Ilo.IllI. IIw>I1Inn_~_
NEW 1999 FORD RIIN\lER 4X4 6 60500 1FTYlIllV'7XTA56129
EQlllppad, "';"':'U._f'.S. '_AM-fMStereo _5Spd. Othet
with A.C. P.W. AM--FM Tlpe VinYl TOD
A$SrGNEf: we may Inigo tlJ.il Contract tnd',S'ei:urity-'Alfetment (0 a $Illes finance ~m~BfI" which Is the -Auignee,-Ifthe k:iilnee Il$$iIM
lbe contllct WI subseQuentaaiallEle, the term also refer; to $\fell subsequent~a~iir'lee. After the: usillnrn8nt, all rigbb Ind bllneflt$ of the
Seller In tIlis ~ntract and in t~e Secllril)' AQreemerrt $lIall belong to and be enta~lble b)' Ihe'A$signet. Thll Assilnee will notify you wtlen
alld lfSef1er ma~ an nsignmllnL
C04tc'NER: Ally pirso~~enin'e~' Co-Sllllet'$ AgrliKlmenl balow promises separltely &lld tosether with an Co.Sillnerls! and bu)'tlr(s). to pay
'7 _VW'_."~'~1."'.:I!.Nl'''m.',~~~~~'*:t'!''W..,.~~,..,,~qf~~Wf.~ '\,,;', , ~:....'~' . ,r"
CO-OWJIER: Any pel50ll sill1ina: the Co-ownet'!I. SeouritY AsmJl111nt below Ilvu us a lI8Curily interest in the Vehicle and "l'ett sePlrately and
tOilether with ill Co-Ownl'!t($) and Buyer($), to perform aU ~rraemllnts in tha Security Ai;mmellt lI11d all other puts of this Contralrt, extllpt the
MP-rornise to P-ay~sectlon.
Tf:.r.tS; The terms sl1lrwn in 1h8 bUlls_bow are partofthilContrtct: '
PIQIIISE fa rAY: too agree fD PlY III the rtlial SIlIe Price (or,flle: Vtllfele by matinll the Caah
Downpaymentarid lSSisnin8 the Trade-II" ifJhowQ ~bove. on (IrbefWlllhe dlb! cI tllis tollttact. and
paYin.llll$1bt AnWunt Finam:ed p1lll1 inlilut. YIlU prOmise" make payments In.accordanc:e wltll tilt
I'v".."rSdt_. r,""",",6l...Il!_"""'6lMIlie..m'illYGI'''~lI1Dl\Ih''~'
'''<<payment due d.,te. You age to ~ all olh8f arnounIJ whiCh may bftcarne due under the terms
of this Contract, You agree to pay the Seller 0' Assiillee cosh of suit You em alfee t1I ~ay
1UScIN/JIeliNmeys.teesitSellefo:rAsslpe hires In attnmIIy,fll coJl&cf SIDo:unts due undertflili
Contnrc:l or to prolettor get pomsskll'loftne Vehicle. You .eree: t1I malie Pa~menlt Jt1hfl PlactllIl'tD
lIendDlymeptstOthelddresswhlchtheAsslim:emDStrellefltfy,pet/fIe$:lnthewrlt!ennotltaIDyau.
lJysilningbe!ow.we8IfettosellthIlV/lhitletClJouunrJ8rtht1e.nN.oft~IsCOlltl'lC-t .
SEllER KUHNS H/\RlllSH rO,RD INC
BY, .{lJmnuf)K()(J}{ A )
$feu.lff AakEEatCNf: To secure file payment of "If sums Olle anlf tht'~r1ormln.ee o.f Iff
reQuirellobliP.!iansundBrttrisClllttr1~yOUglYeasecurltyjnterestintlleVehic:le.iIlIU
I!aris(ealled a~eS$ionsjallaC:h1dlot~el'ehICleltanylatertimel...ncIio.n),p~Cll8d'of
... V_ hlt,..... jllJ""" f-' n,. _. mo, "'<Ill'" ""_ d"JRd
unpllitl under this Contract agallltt In1 Of~ur money on deposit 'lith As:tianee. This
Includes Iny mooey wllk;:h is,pow or may in future be depllsCted with Assipee by )'Du.
Assi nee me 40 thiS wfthout III rior iu 0 II.
AD 1TI0NAl nRMS AND COHOIll NS: THI TH REVE E
SIDE" YDU ARE OBLIGATED TO All THE TERMS OF PEAR DH THE
fRONT AND REVERSE SIDES,
NOTICE TO BUYER-DO NOT SIGN THIS CONTRACT IN BLANK. YOU ARE
ENTITLED TO AN EXACT OPY OF THE CONTRACT YOU SIGN. KEEP IT TO
PROTECT YO R ~E L H
.
/J.)()R-
aUYER~,l.',
1/1~,j'
11/16/99 BUYER
DaI>
~EAU
Dvl.
P.;t!nts.l$ 469.62
each, and I nIHIl payment of
$ {6Q.62 .Thell",l
p.ayment~RI)eIlLl.ol\
"MthW\Sym.nts
wiDtjdlle on thallAm. day of eiCb month
followin..
SEClJ~ITY AG~~EME"T: T. .ocuro the (l.!ym~nl .f .11 sum. due. .nd !he p,~ormance of .11
roQ.lIiT8.' d.Obfi~ns,...under thil contra. ..:~:.'n. V-Ii'll!. 8: ~c.u. ri.tY intet~...'n.'th. e V.tij~e. in all
Wls .1..I~d ......ion() .lached'lO tliH,hocl, a\ any lalli, Umli,.ndin .ny proceeds Of
thl Vehicle, includinJ,lns!lr,ntl proceed~ The ASSigna~;,may set7Dft any amounts due and
unpai.d under -liliS ,c_~ntt'aet against.' any .Of your money on d_epG'slt wltli'- A'S'~ignee. This
Includes any money whIch is now or-maYI [n:fhe future be depDsited wittl Assflnll. by you.
. nee ma do thiS wtthout,an rior nOtice to u
ADDI . AND C N' : H S CDNTRIl S NTH E
SID~ YOU ARE OBIJGATED TD ALL THE TER S OF THE CONTRACT HICH APP~R ON THE
fRONT AND REVERSE SIDES.
NOnCE TO BUYER-DO NOT SIGN THIS CONfRACT IN BLANK. YOU ARE
ENTITLED TO AN EXACT OPY OF THE CONTRACT YOU SIGN. KEEP IT TO
PROTECTYO R ~E L H .
8uYl.rF:l.
'. .
.
10/06/2000 14:54
7668750
KH FORD INC
__'Ii
1.
1,
2-
5\l'\SlUII' ,J bolh 8UY'r$1O be insu,od f>), J~nl C'o<1itur.I...""..
2-
Silnotur"oIbolh8uy"'lIlbeinl"OIlIo'Joinl
Crecf~ _onl &H..1II1 InsUlin.. ' .
_'Ii
Insurer:
VEHICLE': You have aireeO' to plln:nase, under the terms of this Contract. the followina motor vehicle and its. extra equ'ipment, which i$ called
the "'Vehicle- in this. Contract
llLIl l'Il! I!IIt 6\BD s.tIu
NEW 19991'0RD RANGER
StdIlIilliIlW
1IlI.Clf.
Ir.I8:lIM~
JlW.~
4X4
60500
lrTYRllV7XTA56129
6
EqUippo<l _A.T._P.S. . _AM.FMSl.llo _5Spd. Other
.~h "Co P.W. AM.FM Tope Vinyl Top
A$SIGNEE: We rnay assign this Cori~'ra~ and Sec:urily Agreement to II s:ales finance company which is the: "Assignee." If the Assliflee aS$iiP$
Iho Conbtct to.' ..b>equenl...ig.... th.le,", .1.. life" to .uch subsequent ...ignee. Af1i, the .ssignmen~ .11 righls.nd benefits qlth,
SeRer.in this ~ntract and In -t~e security AQ:rteml!lnt shall belong to and be enforceable by the Assignee. The Assignlll will noUfy VQu when
alld H StIItr makeS an assignmeNt.
~SIGNER: Any pO"," ;igning U;;' CHlgn," Agllemenl bel.. promise. seporat.ly and log.ther w~h .n CO"Signer[ol .nd 8uyer(.), lo poy
aff SUfII' dUll and tD p,rform aU a,mments. in thi.s. Col'ltract. CowS..er.-I" not,b. In OWMt of th. Vtblel..
CO-OWNER: Anr person .I,nlng th. Co-Dwn.f. Security Alireem.nl beloW Ii'" us a ....tlly Inlorost in th. V.hiel, ond .groe. ..p.rately and
to&.th01 wilh a' CIrOwner{s}.Rd Buyer('l, to pe~.rm oil .greem.nts in the Securit)' Ag......nt .m/.IIMher parts Of lIti. Conmet exeopt tho
'Promise to p.,. ~OCIion.' . . . ..
TERMS: The ""m. ,hown in ilia boll.. above .ro JlB~ of ihis Conti-oct
PRDMIS(.lO PAY, You '*'I'U poy us Iho TIlIsI S.I, Price fo, the Vehi~. by m.king the Cosh
Ilowri_~.nd ...ignint1hHrad"ln,ifshDwn .bow, on or b8lorolhe dale of this Conlrsel, and
poyinl'" ",..Ajnwfuiane8<lpl.. .~tolt Yo. promise III make. poym..nI: i".""rd.... wjUt I!Ie
Paym.nls.:hedul~You,i>romiso,11I tnakep.ymenls on or bifoll the som'd'y oIloc11 month 01 the
Mt ",ymOll/due dalIl. You 1IfIOO1o IlOnllolher .mounis which mar borcanre 11IIO under tlra Isrms
,I this .COntrae\. You '(fee 10 P'J the Seller" Assign.. ,osts oI..it You .1.. 'i!"lo p.y
r....nollle atUlmo,,' Iollllf S.lfo, or Assign.. hiles an allumey III colfoct .moon\> duo under 1I1is
ConlrocIor IDproltet or gelPOII",ion Of the Vehlcl.. You 'FOe to maR.llBym.nI: .tthe pl.ce" III
send POJ!llonl: lo the odd".. whi,h the Aslign" most recently sP<<ifi.. in the .rillen nolice 10 you.
By .igning below, w. .g... (0 sell tIi, V,hielalO you under Iho term. 01 this COnlltof '
~.
~ w.~
-"""-")-~
PAGE
02
...
:: To
!; $
~
g TtXl'f':N~EIl IIM:IlMlTY
!i $ .
~ : 011 L.Utro Iron
:II .
c:. To PI. SALES TAX
S
Amount Finane
$
FlllInc:i
$
Totol of poym.n !fim. Bal.nee)
$
,.,.ment Sob.dlll', . You air" tl) pay
to us t~ Mulunt hnaneed j)tU$lnlerest in
StU.ER KUHNS HARNISH FORD INC
8Y; ..41 mnu f)!<!OfTX A )
(/J() R..
1/1~~9
(SfALl.
11116/99
Date
8UYER
Dste
CO.sJGNER: YOU SHOUI,D REAl> lHE NOTICE TO CO-$IGNRR, WHICH H"'S BRI!N GIVEN TO YOU ON A SEPARATE 1I0CVMIlNT, IEFORE
SIGNIl'lG THE CO.SIGNE.II.'S ACllRRMENT. .
CO-SICNER'S AGREEMENT: You. the; t:son (or p~om) '~nins below li "Co-Sianet,- promise to pay to vs an J'\lro.J due on this Contract ll-DIJ to perform all
~IU' ia tbis Contra<:t. You intend to legaU, b-o~Dd by'a2 th~ terms of ell", Con2rsct, 5q1ualelyaDd lQFhcr, with the Buyer. You /lre mating this ptomise to-
ind~ us to make this Contract with tbe lIuycr, even though we wjll use the pr<x:ee.:b only for the Buyer\ benefit. You ~c to pay eVlm thQiugh we ID~Y not have
Made aby ptior den'l-.llnd for paymcnt,on thCii Buyer Qr uCfciscd DU~ security inten;:st- "fou also &l:;knowled., receiving.. c:ompteltd eOp)"of ~bis Contract.
CorSiJ~r'" Si.Jnal1lre (SEA!.) AddrcJ:$
Da,t.
(SEA!.)
.Co-S;':I'lC't'l Signature ' .. Add,... Dale
,
CO-OWNER'$. SECURITY AGREEMENT: YO\l. the persOIlo _igning below as "Co-Owner:' togetbr;f wit.h. the Buyer Or olherwise hin&- an of the Owners of the: Vo-l:l.ioJe.
&lYC \as a Security lntercst in the Vehicle identified abDYC. You a,:ree \0 be bound by the tmbS of the- S\!Clurity AgreeMlmt and all otber'part.!I of thil Contra except the
~Ptomise To Pay'"' scation; '\'011 are giving VI the ~ty intcrut to induee "" to make tbm Cal'l.lraet. WilJl the buyer, and to $ecure the -p6)'U1CDt by the Buyer of .n sums d~
0. this Contra.ei. YP~ wiU Pot: be J'tspOnJiible for,any dcfmimmy whiCh mip. be due aflm' J"l:lpOQU&jon and Wt; {/If the Vllbklc. . "
. (Ss!A!.)
'.
Address
Dale
AN CO-OWNER, AS APPLICABLE. ACKNOWLEDGE RECEIPT OF A COMPLETED COpy OF THIS CONTRACT
HI G. 5K.. . . ... . . , . . .
8UYER CO-SIGNER. ,. ., CO.SIGNER OR cO-OWNER
NOTICE: SEE REVERSE SIDE'FOR IMPORTAr.T INFORMATION;" "
""_FO""~21.SlC(Sl'"
""~I""".'JlI
.lt91 8AMCOMSUMtR SERVlce,!HC-
--I, ",d"_~~_"",..i,~,, ,ILL 11..,,_" """"',_....,t"....;:.t.IO_I._
". ~
,
".l,~~ ...,W,"'....i... ~ "...~l..-...._....~__~_~ <,,~..~.......
-~,
____,W06/2000 14: 54 7668750 KH FORD INC PAGE 04
';'b;~ ':' 41";'10. . ~ALWMS~,~~q CONDITIONS., ~, II,/) j lift. ' 'I.l;J:.' ~ "":r \"'"
. : ~ lro-~<<'f'~YMUltsJ.s CQtAt!JT~Dtlhe WIJ'l ~e: money J!iv:aBUd as we, alan~ m.'Mpecify:JjJjlJl}Jlep!ll~,pn,~alld. or (iil..IQna.w~yout
.nceti .riQ.bit :NilanciChar~~ (lna r Of IUnt: monthly payMents: If we O~GIISlI'W: allow yijii~ ttpay-lliii fllQOey. adYll\Olllf'aloPII wittfYour,
aily'on tI'IeHllltstaniDhg'.ballh~t 1;11 tiJe Amount Finlrtced:" /lCl CtlIrg,ll mtllllhly llIymtnls,twt Cln c:i't0G!ll the amount.Df tlwl paymtlnb Ind ~ k1/11 yClU h"~e to
qnJ tM ,f(Oftftlldtli bll:t>bJe~.comp~ted Qh the assumption :t~at',"rwm. l'eeeiv$ all ,. fIlDllYl'lf anrot.our t1ihts:stated in this PlrIllrapb ali I'tQt pefIJ1ltb!d by low, ',*"Itlll have th~
1m..... Gl\-.~~d~d"~'l:>~ ;.' '; ~" ' ,.. ~."u li~ ':' '. ~ . othenilhts m~ntio.n"d: tlur pa~rrlllints 01'1 your. behalf will '!Dtrlure .yeur faK~I' to p,~rform.
.CO.PUTINGnl1EIl:ESI~l!'wmchal:JltinttrenDnadIlHYbllSisDntIleDutstandlng YOLlrptllmlsesIPth\sCa1'll.J1;Cl. .';. t ' ' ....;.:..
IltlI~SubleCl tD iR~bh'e1CtI tJiy Qf ilia lam Win. Th&dailr iMmst ratf i$ <<IUM tQ!he 12. tJEFAfJlT: In fms pllragraph "YatI" fllt\ariSlhe Buyer, CO-Silner aM eo..Dwner, ()f any 1I11f
, ual PefunU'1I\I aa~ 4MdMl by the nU(II.ber of .days in thai ca,lend~r year. ~er ~~ lit them. You 1'1111 bit in "Default" III tile Contract if any onefar mOil of Ihe followlni thinp
ll.it~\l$lllntemtlsl:.ICU~*"ooa4tilYbaslS,latepaym~~..;;rJU~OOltln'addltitlnlI... MPpen:,,~ "..~.('"~. ~r ""f'" .'......r;
~cstlind,ifIPmA~.a-IiIi:f(:~YP1,!E3rIYP8fmetltswm,~tWI'~iII!tresf,btm.c a, '(oU(\Ondtina~1nypa)l1:IentorrbrbefGte'itlsifue;o~ '.: ,1- "
..!pd...EartYandlorJale..pJYmllnb.'WdIClUMtht.amountOf.theflnal~ymBtll10chanlllt .. . -.b, YoUda not keep ahy promise you mllde In \tli$Conttact Df"'" ,h y.~ ,... "~,, - .
lATE CHARGE: BU)'JIr Ilgrefl$. to P~Y I late ch.atBl for any paymlnt.not mad~ within 10 c. You do not keep Iny promise you made in Jnuttler Contract Note, Lolln or Agreemlnt.
lysartor.it$.du'd~I+:-Thl!,\.1t& l:hal1le WiII'lle 2% permonJh on fh6,unPllid amlluntof lIle wjthSellllror~!nee;or . .;;
yni'enl W, YlltttollSlder'lny part of a month in ell;Z5S 0110 cfey;'lo be a full nll:mth, The d. '!'oumadellny lInliueshtmenlinthecmlil.8ppllcatilmfCll'thisContrllc~or
"chlJ1e'will be due when euned. No lJle cbi!l1.Qe will be dlle If Uw ruson tlIllllJJe ~'. L .Yollcp/7lmittedlln)l'OTHeryjncollnettionwjtb.Ibi$:Con1~llr ~ ~ '
yment is Iate)-is-\b~_ after do1eull.tM entlre outstanding blIla~.on this Contsaceii' ,. ~f,::.rou'.dle, are colWitttd of a cnllleinvolvingfrilld (lrdnne$ty, or arl klurld bya cDUrt
~ No late ctiar&e will lit due ~ the only tHson that tho lIIyment is-late is beti~ of I late with NriSdiclion to do so to be intapacltated; or i'. \, l~ , .'
P,~ Dun IllrU,' plYl1nmt f. You 'iJI: bankruptcy or inllllRRC)' prfCfedinglf, "(),l1flln!: liles. Du~rllplCy c,.
,APPLlColTlONOf PAYMENIS:We,Wlllllpplypa)'lllernsinthefolkl'NIngOrdarDfprlority: ,in:illlvelttyproceedlnv-apinsl>:ou;or .. ,".' .
tollntel'Ufrafld'then fD late thetllu. felS: prinClllal and Iny CIttler'amounts yoll ow. in .'. h. You hke tile Vehicle o\lt$ide the lMited statas Of Canada without our Wfitlen consent
, =A~;:;~=':~"llrePlly.ln fUi;:;;n' ;~'~ ~e a~o~nt ~~"~'~his ~~&t ~ .ny "Of i. 'YOII 11M' lI!e Vehicle Or allow SlIme~ne else to use it ill '. ~ay thaLCellSe$ it not to ~
-WI\'li8fit'1l~itty: "'you prepart~~ntnerln'IUirt,:"You"a:rert6"contintit'tlfm'8ke "",co~$rl'ld.byyollfil\$\I~nee;or" ,.... "'" .' .. .. ,", , ,,.,,,.... .~ ,;>",,,,,,,..,- ..,," 'I'
fq\,\/at1y,.scbedultd payments llntil~u NY allamDutlb. due under this Contract. This will j. r~uO'o rometl1rne:tfIateAlWlslheVehlcfetll be aublecl10 confisclllion by goV41TRment
redllC8i,fllttulI'nbet.otpaYm1ntnouwiUIl\lke. a\ItIIDrititsjor.. 'iii: 11. ...'1 H~!~1:1I'j.H :';t-'!llU!l ' .
<<~,VfJlS. ,.::.;,; '-'.>> ':',:.. n'" W '" ,'")~~\" 1 :1\'; ,9~vl.;(;?dj~~:~~~h~~~a~::kt=olP!~~~!dt'lP~e~~1 ~palr'llnd Il'3t
f'~!A"~R 8Y';~llER AIlIt ASSICNEE: Wa Ind Assignee Vtll'la tilt ,right to treat any t Ader ereliitor tries to take tile Vehlcle'or yOllr mOIleY on depoSifwith Assignee by
,....rlY.."'"'ltYlor1ho."'."".lltof-lh~\llnuact."..'\fu,th.JIlhI'~".ndl1J..th.. ""'__0. "'n.., " "",,' ^J"'w '''O.'r
. ,'tQfCitiully(l'lerltioMdinthis:ClIBtrlldt.<Wrl,li!J <;".)iHflq~ yTJOH ';!-1 }f, r;~:'''I';n"..I,",,,'IIJ',, ,'I v..Jl''! \' ,;t.lI'Jt1 ....;II;./h'J..'i .'
. ttMRS ey"BUYfR; CQ..SIGNER A~D oo..owNER: You agree to malre aK ilIymenl;s on 13. OUR RIGHTS If YOU ARE lit DEFAULT OF THIS CONTRACT: If you are in Oefaun:Ol this
1'}' ' ey.I~,;due without-our Iavine to as~tlf Yo~'don't we',mayenforee Gur rlglrt$ Contract,."e. may enforce our rights ~tlXlrdlne to law. We may also do th. things splcificall~
~. I1f you}if SdYlnG$,. YIXI gM up illy rlq./lt y(lu may ha.ve to feqlfirlJ fhllt we mentianed in thl'S OJnfract We may do ooe of tfIl1l1fJ things anO' ft till 8IIme em, or later do
IIJ. ~ts:aPlllst'~~qth"pel}Onor~pllrty~orewelnfolttlou,r.ri~aPiAsI !!'Il'her.SpmeOltlulthingswlmaydo"ntlhBfollo~lIe ,,' '" ":', '
:YDu. . Igrte tlm. we may gMI up Qur nghts l!&Jm$t some ot-her person bl,l1 nat aplllSt yOU, _: a, ACC[LERAtlOIt; We ~n demand lI1at)'(l1l pay to us thil enlire Unpaid. balance owing
iYau WN due di/iprtee ifI.IicuJ,and If defenses b.-sad on sllretysl1ip dnd lmpiirmenl of on tfll Contrlld and "U unpaid fillllllce Ch"rgu alKf o1flllr mllM1 dl/e. fou agree that Y9l,l wilf
~tesaLoruct1IQy.OO\)O:, _L , paythl$monaytouslnone$ln1lepaymootimmecliltelyuponreceiYin,ourdef!land. ~.'
L7:' .'MJERUl AFTERiMATURITYiAND oJ"'DGMEItT; Interut at tI1e'rale provided ill this b.. Rg.OSSESSIO": WI ClMl~tfp;ide&s the Vehll5e)untesa;'prohibited by law. We/can do
/Contra!:l $h.11 ~1IfI.. bl.ccrue Of! the unpaid bllance untilllald In tUu. even lifter matluity this. oulWlves. hive a qualified l)tl'$(ln do it for US; or Ane" covammlnt oft'lI:ial (by tlPIlivinl
tfIdIor alterw' __-'a,uttamenl"8plnst YOU for thl ImOll1l1$ dul. lhq; will IPply even ~ the dll illor us. 'fou aaree tllat WIt tin pQCeably toml on to your property to do this. We may
jlllatu~ly QC(:urs bec:au$lt of actlllen:tiOnf If at ~ny tIme"lilteresr.$' providlil for t'l'fhls IaU IIny otherthi~ found inllle Vetliclu; but.iII reWl'tl these tbifIp 111 you if yocl'askHf you
'IIMQIr:-Ph is nDt ,pe!MIt1ed'by law., i""ttStnilillltaccruel..,)t, ~he ~!t!lll$:l., rale'lIllo""~JjJ, " wall~'fhe&e thlnHS baek. you alUteto ak us!l'l a l~ sell~ to us byCilff!lled ma~ within 24
a~b1DII~1 I:inie. I, "....,1:1":.'; '1l",;,,:,;'1~" .'.:'....\!. houll."JllUdoRQUeI\dU~Ihi&1eIIertYOU8lftup.ellycllll..tolhesethmp,'.You'lgrll:flthat
r a. rqqaz . t1IJl SECURitY 'NTEREST: YOll will 1IlII:'-it.nyotle othfr :i1'Wil~lI1_}'ourneen..pJatesip~tIlfVabH:leBJlli~jfto,pIJu"".ise.-
.IUlln Us 110 Il . Interest Dr cM,r righls in the Vehic:l~ You"-wuj.'PIlY 1111 filii'll fees .." c. VOLUNTARY UUIVER': We etn ~k. you to sive Il$ thll_'Vehiele ,at I u!asol'lably
!ntx:8S1lllsy'fOrllSt,o~rra11(\~in1:ll.in tlutsecurity intclnl5tlntftfiVehlcle. You will asSislUlI : ,.conuelliellt~IIt:e. You8greetolive U$thl!Vehitlll it we ask. ~ " ,. " ~. , ,
/In-~,Oui_ulity'mteri$( iiilted.on t(li( Ctrtifica(e ot Titlll'.to the,VeIJ~. You wiK not sell . d, DElAY 'M f,ItFORCEIt~N7: We e'll ~~:,ffdorCif/e::'?l" ,ri~ u~e/' Ihis CDntnel
,o,rllVl!~yIheVelllcJe.lfaomlbn..puIaIJienr'"theVllhlcle.Y(lllwilpaytheobli:ptianaDd, witfJoutloslnganynghls. ';.. :,' _' .
jclearf,ht,lIen. 'L.,&!:aSl .. ~ ' . 14, SOME tHINGS ,eu SHOULD KNOW IF wt ItEPOSSEsS'TJI~ VEHICLE: If we re~
. a ~1t\pROMI$ESABDUnHl V(HICl~ You will.Utpthll.Yehicle ineood cond~hand ..withoutllSiltKlgOve~llRIento"iciallbyreptevin):"'i' ,.~' j. . ". .
il1lPllln You wlIl,pu"U ta~ Ind cblrpilon the VehICle. You',WlII pay all ~ of malntaininll a. NeTICE: W. WIll lend yolla NlItIte 01 RepOSllUSlon to Y'lJI[ lest address wo knllW abC\/t.
fb'V~hlcle. .Yoa.....'Wda1wse the Vemdt ~ psmut .lInJltbJni lo.bf dOJlClW tlii Vetm:~ wbith ihl$"DUct lIIiIJ tlJI yoJl hM to bll)' Ill" {radllBm) tbI Vehi~ YciI'V1ill NOT hive the riebf to
~III reduC8ll3,value.'ather.than tor I'IOIlNl Wbr IIKi-use.You win-not us.9 tilt Vllhicle for' reinstate lhe Contnct. Thlsm~nsyouwill haveUJ ptytlletvtal balance ontbe Colltrlietloo
:DlegaIIIJUl'PllS8S.lM'fo~.hil:ll Of Iea;e. You 1ll1l1:nQ1I1lDVlI the Vehlde from YW; addrusshown on . otIWlt llIllOuntl due, YOIl may not Jtt the VIhicle baci-by pllJ!n! delinquent illlllllllmellt$. Tn\$:
Ithl f~nt of thIS Conlrlct to a new PG/'flllnllUt place of Pnlaill,.wl1hout notifying us in NoticeWilltell~UDlhlrin1ormlllion reQuhtdbytlw." ",
ladvance. .~O~...l!ot... "'. 'I '..,. ~,:'i A\l~ .':' b.~~E"PTlON:Y!HlhlvetheriltlttQ.b~llbKkltlldee~)theVehiGI'wlthln15dIYSof
;10, lOUR PROMISES ABOUT I"SUIJ.NC~ You. w!R keep 1t1e ,Vehide insurlld apimt lite, 'lhl'ffl8llmg o! the Notiee ,and It Iny !aler tlRle before we sell the Vehicle.' If you do not
~0eft,mI <XJIUWRII UlIf11 ill t(fnt$ dut'llS"41~ paid'm full. Tho (1'1$II/';11101 (:OVlrlgB must be mJeem, mtilWlIf1B11claimtolheVehide.
:Msfaettiry to lRlrfd'PrGtiK:t YoUf ",rerests ind our inti_ at 1he time of al'l1lnsul'lld Io~ c. SALE: If JOII don't redttHn. we IIriII seY the Ve~iele. The mol1tly received at $11I1, wiU be
:The .l1nCl"fmllSl:"rlame1l1 as .,..payeff on the polit~. The Ill$ur.lIte must bl written by usM 'i6 pay com ..ni;laxplruoes 'OU owe, and thin to pay the amount you owe on the
:al1:l.,.nce;s.gltllliliW.to.dtJ,buSiriess-ln Ptnnsylv,nilllndlicanaedfOSCU fnSllrallCfl: Qllltri1ct
jtn,JJtI.mtt.'Chm' .Y~I,J$.PMM~linJIY. limed. The !R$utance -POIJc.~ l;JIUIf. provide us d. SURPLUS eR DEFICIENCY: If there is moneylett. we wRl PlY it to th8 Buyer, If tllere is
lWlBl....~a 'lfriotoWtiW notieluif II.l1f eIIt1Ct'nal}on of.redutUon III toWlnlge. On, , nohnoPjtlllUMleyfrnm the nle to ~)'whatyou owe. Buyeuhd Co-Si!per alreeto pay what
. :reQueit, rou lIfll!U)d.~e poIk:y,tt~r lJII\dentl of.msunll~ ~raRl! to lI$.ln UIa 'isstiIIOWldtous.
leventof' anx)QRor m~ tyl~be Vehlcle"rou Will Immediately notify us In writing and file a. e, EXPENSES.: You agree to PlY the eosu: of t8pGSle$Sing, ;toring. tePt'lrinK, preparing lor
;plDllfof IosS'TrilJf~~. nelmay file I.prom nf 105$ on your bebllf If you flU or reluselO $lIlA,ndsellint100 VeJndto.ulJt1ybBalIowed bylaw. ThesemttltnlORly b8dueil:
jdo-lO.' W8lB1y~o&iJOUr nama to .any thlck, dnft or other hmrUftlent _0 ~VI in l. Oe:f;tUlluceedslifteen (15J days atthe time Offl~n; ,
..paymltlt ~~~I Il~ oraeWrn III$~ranu ~l1Im!ulpSo 'We mil) aD~Iy. any In&ll~1ICI' 2, The ImlluntofCO$1S ate actua~ neCllSllllry Ind reasonable' and
Jlro~,edswe'fv A~oalidr replact,theVehlClBil,ln ouroo1lilon, ItllllCllnomlCll1J 3 ~c.tnprovefhec(l$tUM.pMd ,
'f&8Slble Ind '. r/l'flV\~en'in;~fa~~'\Inder this Col!lrll.!:~ OthetW!$e, "will 8PPly the. . .
nllsuraucl procellds to reduce the unpaid bflantedue ll:l ' ,,' & . . :" 15. HIEtR5 AJlU PE.RSCHAl R~PRESENTATIVES BOUND: ~r,(HIrdeath. t111$COntrlct shall
'11. OUR RIG~I$,lFlI)//,A'''IfOU' PROI'IS!HIlIIUT.T~{i"~~~'TY IITEREll,,, b..nfu....b.~ ...". yo" ......~ ""'~'.~ ~.~nta.....f y~ro~Ie.. . . .,. .
jVEHtCLt OR 1"*1fRAJlct!'rr~ou fJilto kel;; YDU{.~i$tt;O .~-ijIlfti!1\ies.ltixllf, IIen3lclr ...t,l~ GOVElN!lf;Q LAW:ThisCo~ctltto b, l~d~rdlnlltdltifi'law-lifl'ellnsYlYania, .
,the cost& lltll:ma1J to keep tilfl Velllo.le In! IOPd condition .and repair, wiI.mll" advlInte any 17. $!M:RABIUTl Of PROVISIONS. If for ,nil rUSPn Iny pOrt of this Contfiet shaD bLlc:oml!:
. moMY~u ~ 1I~.lf you fail fq~p yOurproltltWs abollt,rtqUir&d rnSllrl'nce, we .,,, I .-,.. ~ bl th t'rt I' th '
:lUllyad'4'ancel/1llJReY,to~inlllll1JranCI~co\lerIlmDrda:m/lifltothtVehiele,Wlthavtlhe I p,.UlUorune..,OrUa, e. a PI sbal notblllllutof iliContract. ,
":cboIc8 of wbllJulr..or RUt ~d~lIt1C8lny riIon', lor ~'P\lrlllises:~Such il'l$Urlnee wl~ tie -"18, ASSIG~.ENT BY BUYER:: BlIJI;f ll/Iall not ~ fhisConltlct. ,
, :rlmiCld fa alt ~ d-dl'ireater Ulan'~u 'ow"~/l.tfllll ~ntiact. 'ltHE ".fNSUftANCt WE" 19, TKERE ARE HD 'llAlUtAHTtES 'I'IY s~u~ UPRUSED' OR IIIPUEU; .f1CWPlttB THE
,PURtHASI! MAY BE SBlNIACANltY MORE ElIPENSIVlO ANO, PROVI,~' YO~ \ElSE(lVI"'~~. .WARRAIITIES OF 'E_C~A.TABILllY AND. FItNESS FOR A PAllTlC~1.All PURPOSE.
,THAN INSUIUNCEoY.OUCOULDPURCHASErroURSElf. .., L ~ ..\. . '. UNLESS WE HAVE: GIVtN YOU A SU'ARAJ! WlJno WAJJWm' OR UIUSS HLUR
We. will add any mOil" we advance an your behalf to the balance on whiCh we Impose (Nnlt$ )IITO A SERVICE CONTRACT WtTH BUYER Wlllfllf9D DAn FaoM THE OJ,lE Of
Finance ~~~~n th, Ann,ua! r~~q~f Rite of this'Contracl You IlItH to rePlY the nus CONTRACT.
, ,,' . I
;Buye~. GuidelllindOW Sticker: IIi the ea' ~hlc~ Is ~escrlb.d .P.~ the \;lc. of Ih.is Cont~.ct has , Buy~['. G~lde Window Stlck_! ,.qul~.d b~ the Fed.",
, ,~Jfade;CQmmlsslonJJ$8.,hCar.,TIadg,aegulab(l1J~ule,J~lDiVlnr llntf~e!.ilDJJ.liu:."...;~ ;...,..~~-.:.~,~.,... ;,:r:,~", . . . ".. J.V.11~t~;::,~ ~~:.:..~< ;;;:..
;'.11' :>4Jht .informati~~ you SI!J on the window fO,,!! f~~ ~.hj~,V'~j~J~ i~ part o.t. ~~iS co~-,ra,~t !~fof~ation .on .~h. wi~~ow. form ~v~rrides._any
.NOTlci:~A~\':'~O~DER~~W:,~hM~~t&"M~:'c'R~DW CONTRACT'irSUBJECT TO ~LL CiAiMs"ANO DEFENSES Y/HICHTHE DEBTOR COULD
.ASSERT AGAINST THE SELLERIOF GOODS OR SERVICES OBTAINED PURSUANT HERETO ORIIIITHTHE;:PROCEEDS HEREOF.. RECOVERY
~ER~~~,~~R,,'l'.i1".~IIE~2~;S'!N~ ~~TEX~~~II.~I!lP.U~~V"'HBrl!HE DE~Tql1. HERf~NDER.:.' ,,", ;;.: . , ..
~ ;::.,."<~~:, ',i, ," ';: ..,;- ,:," '.:/::"~.:~ i~ '~.~;; ,,'t.,' "~,~tt:... ';. I~tll: NOTlCEO'!PRoeosED C:.~D1TINSUIWCCE .. :., :. ., '.: " ,"." ,.. " -,
~lhe,sial'lirlsl:m thls..Contl'lllt hereby takBfst, no:tllle thllt .Grallp Cledit.Ufe ln$UralQ.~verase Or Grollll Credit AeCid,nt and Disabi!ity Insuranu COyerBs' will be Ilpplicable to thi$
~COntractff $0 m~r~:~,tne rrDm.:'Of-~,Is:Conttact, and ~uch 'sucfl"type 'oi coVlrite ,.-tll be written by the inSlll'lnce tGmpany ne.rned. This in&uranCl\' Abject to acceptancl by the
insutlf;r'coven util)' tJ!e"person II' pll:tSO"ns'liigning the requtst1Offlldi'insuranca: Thli'amDunt oi chllrte Is indieJted fllr eaeh IyJlll.o1 Credit. lnsllrancelo blJ P14rchased, TJ1e tel1l'lol
,!Illlurloce. win C11llUqf!nce 15 of the dillt;Vie indebter;tness'.i$ in~!Jrrtd IInd will eXPire ori:the original scheduled mlturil.Y datI: af!hl iodeblednm. Sllbj~ to aeeeptante by the lllsurer
,;i,rnJ'wiWn 3~,dap,.thllre ,will bo'df!livlif;ed to '~e lll~ure~. deb~dn~1 I c~rtifi~e ,~'In,~~ance morl,ll,U!!y describing ltIe, In~rallce, In th(evlnt of preP,lyment of the Indebtedness. a
:J1!fund of Insllnnc& Clnl1l$ wi!! be mad. ,when dlli!, . " '} <.. :, ,-- ,- ,~,. " J" '
" ' '. , 1II000tE:.SEE'OTHER SIDE FOR IMPORtANT INroRMATlDN
f , 'flf P'IOVIS~ BllOW!S NOT PAkT or"HE PflfJtSllVANIA MOro.'VEHIClE lNSTAllMENT.$.UE COHTlACT IfTWU" 1m ,uy.u AND SfllfR.
.....'.' '. :," i';-H. ::,:", .ASSIGR.Un
10 InduCll YOIl, the "AssIII.lIH" k!enlir"d un the face o6~is ConJrab'1: Of ~JI follows, . (Nama)
fD flur;:bW"_I/Ie.w;tllitl, Contract tile '5e1ler"h1l:l"eOY fr<1""llts uod Nj)melll3,' an~dtles to wlrr.t/rt.OO rfloresent ,that thl sale /f.s'I1ecIt'!ttHI'/n !mcrCllnlorml!y'.nth 'alJ .JpP/ic.tble
f$dnJr,. antllocll1awl and'RlulatiCin$, includint llul not limited to. Articte 2 of the 1"ennsyl''/n1I.llniform Commercial tlldl! (13 Pa. C.S.A tS2101 et aeq); our UUe to the Corllf1ct anI;[
till Vlhicle covered thereby l~ .ab~tut.. ffII:a 01 all liens, encLlmbranClS and security i1ltere$\S. ilnd i~ subjBCt Dnly to the n2hls of the Buyer IS sot forth therein; the Conlntt is ~nlline, tha
signatures thereofllre not foraeriei. lrose.from file SlIe of l!lf, Vehiclll ,berein cfestn'bed';.and 1I1f~,rtiJ!$1fItJ11j1 are offuU l/Ige Ind1tad !"8~t:.ity'.~ ~onlr.'ct III., .du~riplilln -of the Vehlcls
,nil llurD Iquipmeflt \$. complete and corl1c1; the tlIsh downpaYlllent ..nd/Qr trlde-in allowance were aewllly received and no part !hlreof COI1ll:ited w.notes. pOst.dlted che.cks. other
credIt 1d1l'Inced by iii 10 BUfer or rabate:s:,r s1mlllr j)lJIl'Ient$1tom us to the Buyer {however lI\lnVf"etuttr rebales nlay. ~~t~t'~ rN' .a,plI.~!, ttu:: d~wnpll~~II:.llI wm:ralll~e.s ~~
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10/06/2000 14:54 7668750
lfIBU iIllIU \ll,lll....UIl WIUI 1111 ~UI"j'...... .... ..... ......_ .,. ._U. .,.. ..... _ KH FORD INC PAGE 05
~tisti&i::tofylo UilMd protect your intirestsand our Inlerests at the time of any insured _ c. SALt: l'yOU DOD'lrWPIII, WG wm ~u LlI~ ""111\<0". ..... ..........J .y_..ww .... -_.- .
The insurance must name.us as t1lost-DlIi!tIf' on,tbl polic,. Th. insurance must be writhm b) LlSed to pay costs anc;l expenses you owe, and then to pay the amount you DWe on the
jn.in,UI'nce <QIIIU'PY qualified '" d6.b\i~..... in Pennsylv.nl, ,nd _104 \llselllnsullntO Conllaet. '
In il'n..~'uhm 1tJI.Y'h..i1:l'.J1.Jl!!nlI.nenllY lIlIr;latd. Th. i",u"ncopotiey must pro.ida "' II. SURPlUS OR DEfICIENCY: If the.. is money left, we wid pay tt to till BUl"'r. If there is
Mti1-d.~''tIdf'iiRDl' .wnft$:iR --nOtice of any cilneenation or .reductio.. in coverage. On not enough money from the sale to pay what you owe, BUyel and Co-Slgn,r agree to pay what
"quasi. JOU sI\1!I!;d~er,the polio; If ,Iller avide..e of insultnco ....lIge to us. In Ille I. still owad to UL .
..w.nl of..IJ.l'.,.~'" ~fW.lO.11le V._. I"" wiD imII1ed~ltlY noIi1J us In wrillng .n~ file . .. fXPENSIS: You .,ree 10 pal Iha coslS.f reJlll'Sl!SSl.& sloting. repairing. pr.paring for
p,roof of it>Ss:iiflfi !Mm;b..r. W. m., file' proof.f loss on JOur beh.1l n y.u f,i1or "fuse to .ale .r>d "llinglll. Vehicle as m.y be .lIowed by Io.. These eosls will only be due it.
ti. so. W. m.y".d.M lour nome to .ny c""ele, dOlft 01 other instrument we "coi.. i. 1. Def,ull",eed, fifteen (15) d.y..t fhe ~me of tepo",llSion; .
payment of .J, iniURddoss Of :.return insurance p:remiums. We may apply any insurance 2. The amount of costs are actual, necessary and reasonablt; end
proceeds we' teilQi'V1 tq,~pair Or r~p1aee thl Vehicle ~, in our opinion. it Is economically 3 We can prove ttle costs were paid
.f..~bf..nd loilt"liIot.:th.n-in ~efoull under Ihl,COntraet OI_i.., we wi"'pply th.' .'
"nsura..e proeeed,torii<!ucelh. unp.1lI b.I."e due UL' . .~ ... .^. . 15. HEINS ANO PERSONAL REPRESENTATIVES BOUND, ~fter your d..lll. \his Conlltct 'h.1l
~.:ll.. OUR RIGHTS. .)F../IolU'Ell.K TOU. R 'PR0111l~HRRII.r. Wl$~~U~IT1 INfERm, _ .'": enfon:e.b!" .plll$! your h.." .~~. pa...n.~ ~p~~n~uv" 01 \'O~r,~"t.;, . .. , ." .
.~EHICLE OR IRSijllARClfl(fIII fin m keep ,"". ~i>llll/OI filllll _ta,...IIens'.,'. '-Iv. GOVlRNIIG LAW: Tbls C.nMIlIIo be i""'fplWld liccoldinetO \lie 1.. iif P~I11\,~v.ni';'
:\hIl costs n."""!,, 10 1<0;.. Ill. Ve~ingo.deonditi.n. .nd Itpair. .. .'..y. ad"... .ny . 11. SEVERABltlTl OF PROVlSIOBS: If for .ny It...n .ny p.rt of this Conlroct ,h.1I becem.
. "money \'Ou ~ 1illiJf,'. x~u fiil tr/l\eep your pl'DmlSOS ~bout reqUired r",ultn... we illeiil void or un..",n:e.b1, th.1 p~rt $1Ia1f not b.. p.rt of tlIis Conflict
:mayadV8ncermU~totibtairt',lqTiUra_nCllO cover'klllS;Dr darnage tD,theVehide. We hBvethe. , ' . .
..i~ho.ica ofwliethcr,ar nO/lP.~~lIlInC\lany .....yf'! I~ pUrPll~ Such insuian.. will Iio .~: ~.~.ASSIGNMENTBYBUYER: Buyer"h.11 nolossignthisContro<:L.. '. .
J.l,ml\ed.w .ullt.untnlll.lt'lerlh.n'you..we .n thIS Conlract. TIlE INSURANCE W( i9, THERE ARE "0 WnRRANTlES BY SELLER. EXPRESSED OR IMPLIED. INCLUDING THE
,PURCHASE MAY BE SIGHlfltANTlYMORE EmNSJVE AND PROVIDE YOU LfSSCDVERAGE. . WARRANTIES Of MERCHANTABILITY nNO FITNESS FORn PARTICULAR PURPOSE,
iTIWIINSURANCE yoU COULDPURCHAsnOURSELf; .. ,. .. ,.. ,. . 'UNUSS WE HAVE GIVEN YOU A sEPnllATE WRITtEHW~RRARTYORUNUSS SEUlR
. ,W. .iII .dd "y m.ne, we ad..n.. on rour behalf \lithe bol.... .n .hlch we impose ENTERS INTO A SERVICE CONTRACT WITH BUYIR WITIlIN 90 DAYS FROM THE OnTE Of
.1' finance Char~ at the Ann~ r..ekinta- Rate of this COntract You aare, to repay the nus CONTRACT.
.' S~.eaf ",.. ...,'-
. ..~rlJ{&~~1:~~~~;~~~~~;aJ~ W:~i:i~~~~~I:.~~~g~~i~i W~I~,~:~,~}~,~~0tr.~~~;h:\~;~~.Y~['~ .~~~.~;i,~:,~~,:li~~e~IW~.Ui~~~. ~Y,~~~~f~~er:!
n '~;'i.::'~~1~1::~~~~~ YOUi:'J:~~t~a~~n~o:alf:.nn for this, ~~~.'cle IS pa~ ~ t~:~, Contra~'" Informatilln on the Window fonn overrides any
... NOTICE";;'ANy,.HOLDER'~IIIS CONsilMER CREDIT CONTRACT'IS SUBJECT TO Al.L CLAIMS AND DEFENSES WHICII THE DEBTOR COULD
., ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANTHERHO. OR WITH THE PROCEEDS HEREOF. RECOVERY
"HE!lE~NDER BY-1I1E DEBTOR SHALL NOT f;XCEED AMDUNTSPAID BY THE DEIlTOR HEREUItDER. -:- . .. . .-,.:.,;., ,...' .." ...:".. ... ..
!"~ I ~ ...1.0 I! ,,,. .... Il/'U ~".o:- 1 . ,'. ,:,,_. : ., . I'. _ . ,.\ I;:.., ,. , .'.:. . ...:, ',., " . .
('...',',"......... ,. ..... y.,...... c.., ,......OV..""""'..N...IC.OfPRO-EO..C..D.IT.INSU.... .c' '. '., ..e.... .,. .. ...
i.... ":o' '.,', :~:'. .,.~(.: ...:..','~'~,~.'",:.:,_~",,"~ r_ ru;; Rftnlio <:,'....,
. T~a .igner{s) 01 \hi$ Contract herebJ ton!sI nollc. th.t.Group er..m Ln. Insult... ea..rage or Group Credit Accld!nf .nd Di~bi!iIY In,ulln.. ~..rag. will be .pplicobl. to tbis I
, .Contrecl".. (IlarkodDIJ.th. frontaf:thisContr.ot and each sucb IyP'.' cover..e will b. w.rilfen by th. insu"... CO"IlIil)' ~a_ Thio in.ura.... s".~ to ...."to""'.y th.
! insurer; covers' ohly' the'person or p.nons Si&ni-na. the request for such ill$urance. The amount' of charge is indicated for each type of Credit Insurance to be pure_d. The term of
t9SUranc:e..Will ~e~~e a~ Of th.,~a~JlitL'inde~n,~ Wilicprred an~_ ~J1.XpirB.o.n the otigin"~ SCheduled ~iiturity d.att of Ule IndebtedneS$.-$ulljecUo acceplal'tc! by the insurer
. arJl\.wtt~in. 30.~.l'S. \Iii!"..11I be deU.."d to Ih. ,nsured d,b\I)r~1 . eertifitile .f InsUlin.. m." fuUy doscnbing I\Ie ,nsult.... In th. ....nl 01 pI.paym.nla. the Indebtedn.", ·
,'.r8fuDdOfihsurance.c:b.ai'&eSwUlbemadtlwhe'~.dUe'. ". .' ' . :.,..... .~~ ..' ' . ,.' '. '.
:.rf,V'.' ..,~.,,'j-),.:. "".'".:,..\.: -; 0'..' . , NOTICE:SEEOTRERSIDEFORIMPORTANHNFORMATIDN. . ,,",
,. cr 1>. ~ .;~.. THE.PROVISION BELOIV I.S NOT PART Of ,THE PElINSYLVANIAMOTOR vEHICLE INSTALLMENT SALE CONTIlACT BETWEEN THE BUYU AND SELLER.
,,~,. . ~..L..... \ '" 0(1,,"',.. !;;'J', "11'"'' ,ASSIGNMENT .
,:c? roinduee1'011. th. J\'!t'.......rdeqlified~nlh.ljceOl'tIi~.COnt",,.dilii.II..ws:"." . . (Nam.)
: 'to P~,rg~I.'~rw~,eoiil(id. ~~~eQI! ~~rebY ,warrants aIM! ~pfl&lnrs; Bnd.con\inu8s to W&m1.nt Il'ld ~~resen1; ~h~t the sail ha!!l:beelt ,~8de In 'strict r;onfo'nnitylvith 'all applicable
.fodf/l\ _ .1rillocil"" ~W"~latid... IOeludin.. but nDllimned 10, MiChl 2 .fth. Pennsyl".,. Uiiifonn Com...,.,.1 Coda (13 .P., CoS;A SS2101&1saq); our liIl. to th. Contract and
"..V.blcJeco.ertd thereby is .","IIito. !rOll of all liens, ."umbltnee. and ,ocurily int.ltsts" .nd Is .uhjoctonly to the ri,ghls .Ith. B"~r ....I fiH\h}II.relll,;tb. Conl!llct Is ~uine.lb.
'. sign./p.r", tI1'fOIIn ." ~O\ fOrae[iaS, .'f." fromlh. "I..J t~. vehicle !be"in described. .nd '111>~rti-"" l!1&~a" offull... oed had ~~~'itYJI!""nltiet 11\' d~~~\>f Ilie Vehicle
.,:.. .nd OI\JliC"qUiPll\.nlisCDlllpftte.r>d cerreet the COSh ~ownp.ymentand/ar tr.d..in aUowa... ...r...ctu.Uy,,"iYed ,nd n. p.rt \hereof consi.~ .1 P.....post<lated .bocks, .Ill.r
," ~II!dill.il.!IlI r!c<d... .br:..'!!Iii\O:BUr,Ir..$i:'~h'Ie'"r simil..r U~lTl.n!U1WI "'.tOthe RUy..\h...... r m'nufectu"r".bo{e, lIlU.....lllulll ....11 .rB ~. ..01 the d.wnp"m.nl);. ~I ..r"nUes and
. ~.lli"1DIil1i'i1ir.l!i~'I....tlIie:,\IlI,T"'1SJw1\i11~'*6flhl Am.I1.. M.,ntfd;i1.,'tntenisl'at \he )(nj(u.rPlirctlritege'fIjti of'thO COnlla.ct' sillOotIilliefeiri: \iti" duly I"'..od uml.r \he
i P.nn'YIY.q!',~nbir Veh~I~.~,flnan...~ct .nd. h'yo duly eampJiOII with .11 requi"menl$the,!,~f wtt~ ,..pact 10 \he transoction .rid witl1 the fode!';'1 T",th.i..lJIr>dlng Aeland .ith ,ny
,otller foderll f!lotite. \8i1. Nil! oi reauI,U" .pplicable lolhJ, Contrac~ a motor ..hiel. ~U. certi'''.\! .howing all" or .n..m.ltnco in f...r 01 Assren" h$lb..n or .in be .pplled for
"! .'fi>"ipOr.)lj~ m;.Ii1Jt1on,oI; !hO:~.~~.~ 'lO1 ~...n...iIi.n~~~ .nd the Seller ~nows Of ..t.dS w.hltb'...y result in the susp.nsian oj ,,'id ",~alio.. "nd~l lh. P.n..~..ni. M.tor
. IV.biCle fII1'nclaIRespo""b,l~y Al>t:lI1e 8.Ul'''~) ..mod In the wllhin CcmIroct i. 10") parson..I;, ~nown to \h. Saller Io.b., the "me kla.tical pe~nlsl whose ~gn.tur.!.) Is 10") ".ffi'.'"
.to this Controc1: .nd Seller Ml no ~nowl.dge 01.1.... imp.i~nelbe v.lid~y or .,Iu. Dlth. ContrecL If .ny..cb w.mmties o. "p"..nIBlio.. should be breacb.d 'I.ny Ume. Sell.r ,h.n
\ repul'Gh~ said Contract. from Assign.., on demand, anti will pay therefor, ill cash, the amOunt owing thereon, ~puted as.set. forth below. and said ,relftedv shall be' cumulative and not
i.xclu,i.e; .n~ ~ollllOl'f1ec\ ..y oth.r riglll.r .ltm.dy Ih.t Assignee mighl h,.. at I.. .r i~ equity .pins! s.ller. In Ille ...nllhol Buyer f.ils or rolu",to m.'" .ny payment duo
lhereunder on'tn. osserti....1thei oral 01 wli\ten, that \he Vehiel..is d.l.cIi.., nol is "presented to Ille Buyer by S.lIer. Or Ill.t Seiter rafu,es to honor ,.y warranly or.."ice .a".m..t
01 Sell.r or manulacliJ..r. Stoller ':aroes th.t .n b.ing .d.i"d by Alslen.. oI..eh cJ.im of BU)'er, Seller will repurch... Ihe Contfllct fro.. .Assignee .ndpay Assign.. lor "m.
,iiilOiediiiilly,in .accontan.. .illill1. r.puitli... lenns set forth below,..nd s.ner further. ea'''s to hold Assienoe iIJ,mless from ~ny oth.rclllm, of Buy", inch,'lnlalto,nm' f.... costs
and oxpense>.lncurml in ~ehmlina.plnst.loJm' ....<ted by BIlI'O,.mI includina 1:Iaiols.fot mund 01 palmenls mod. by Buy" to Assigne.. lI;Ihe"Sen.lcontracts topurch.se proparty
;rislilt... o. behalf 01 1118 Buyer; .r>dtn,t insu"nco is conoened by the insuren.. comp.ny prior to.1ts sehed.lod "p;"tion dote. sener wlll.ttempt to pl...oomporabl. cove"" w~h
another. insurance company DO he,ha1f of the; Buyer. It Seller is unable to do SO. SeUer will not:ifty Su)'er and pay, to Buyer any additlo",1 eo~ ilicurred 'by, l~e' Buter In obtalninl
"oI.....ent i..a"nco for Ibo uneipiro~ pe,iod of the origin.1 i",u"nee poll", By d.fiverine Ihis c.ntract to the Auiln.. .nd acc.pting'pal'lll.1II for it, Seli.r ..thoriwtIJ. Aasigne.l.
complete or correo\ th. idenliticotion of the Assign...ln this Asoignmelll 10 refl.ct the true lIssIe... .ho pureh.sed this Contraot and/or,lo sign Se.ller" nomt to Ihis Assignm.n~ wllh..t
. ....u.... n Ihe Assle...e.1 has baIIn deliYa..d with.ut Safiafs ~gn.tute.
". .In.the I'ItIIl \hilt S<.I\&r Is ~uit]ld bl..this Assia~m..l.to "pureh." th. Contr!lOt and/or V.h~I.;Sa"ersh'll pay. to Assign~.. in .~..h, the. fUY. ~n"i~ "'!"" ol\h. Contract.. of Ih.
d,le of repurel"" oI""ny tI1en ..rned. A..... cnorge .nd .ny .nd .11 cosls .nd .....n... paid or ineurrod by Assignee In ..",.et l~emo. rnclUdlne,"'....b1. .ttor.ney~ f..~ In
..nPectlOll~nh...i~bylf.gnY1stan'BU~erOwn.ro[P.er$On$inpo..."~oIlh.eV.hi~le.od/.rby.ra~instS8l1.b' .,....~."., ,,,... - ._,.,. . ..,.
! ..' r.' wllltl rieiilid; seRi1r.l\enilly ftj.sSijrii jhd tlatlsfelt \inti>\Iie Assi...e,Ui gut_....nrh.mgnSllh..wnfil~COIII"ot Iirn\on.;S d.. 'ar>d .~'bel"m. d.. ...raunder; 'nd .11
right. title and interest in and to the Vehicltt thel'(lin described, with fllU power in the Ass,,,"" in its or our nlme to tak_e such legal Of other actiDn wbicb ".'aM have;'tlken.save fDr this
, Asaign..BIII, Un""" Seller ..arks eilller 01 the .nd.llillments belo.. UIi", ."WITlI FULL RECOURSE" or ''WIlH ~EPU~E,!' S.II,i(~ asslgnm.nt .fi.II;.,...jtllOr th.. provisio.. .r the.
. , ~~~~~~=.1~~:-;J:~~::dditiOn'iD'!hi Paragraph ibOirtjijjd~Assign..';';~"I. tti'BY.~ipf.{.;.~bj ;'~erl::';i~~";'i"\ri~D~~~Jt~;'rBoi~ft;;
. i....Umenl p.yoble under th. Coritract or in \h. prompt. perf.nnan.. of"1IJ .ther.abr'iOtiOd. to ",performed under.I"" c.ntltct by Ruyer. Seller .i1I, .. dem..d.by Assig.... forthwith
, repurcb.1he Contract fram Assipee for a repurehase price. In casl\, CGmpuled IS set forth above, - ' . " : .
. C WITH REPUllCIIASE-Sallar ..,... tho!, i. .ddltion 10 Ih. pro.ision.. .. .the p.ltgltph .b... tiUod "Assienm..~ "loth. ...nl of .n, data.1i by Buyar .hiah ,h.lI.nUIIe Alsign..1o
rep...... th. V~hir:lrr,. Sener .i1L n th. V.hlcle is ..p.ssessed by Assigne<l .nd dan...... to Seller. .nc1 without "pol to the th.n oondlli.n 01 the Vehiele. forthwith repurobasa the
COritrai:l....thev.hicfe........""u....rch...p''''.ln.......'''plitod..soIforllJ1bo..... .'. . ..
By signing _. we Oflree to tI1. lenns of Ih. AssIgnment.
Salter B~
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10/10/2000 15:09
7668750
KH FORD INC
PAGE 05
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AssIgnment
Agreement
Hous8IIQICI~
fInn8 Qrpol8lkIl
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TI1Ia A88lunment Is II1achlld to and pPl'IS5Iy made II part of that eetIaln Mo\p( Vehlclf IlelalIlnslallmenl ConIr8cl
(till "ConIJIClt"I daIBd It -II. . q". by i!I\d btlWM/l:
Seller lO....,IPI: j(.r H- p::a.d. 8uy8I'(s): i"""c:.\..n,,~ j),~e...\e. . \<o."fdo
-,"
U Ia 8lqII'8IIly Undlr1lDGd end lIlIllltd Ihsl: IlM6llaI<l AutomoUve fII18nt8 CD/pQrBUon llWC) Is subslllul8d IIIl:h
Ind nerrllmo M1e<e lIte_
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IIII1f<<11 MlIllll tI10 CDnnct.
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For ra/UO rrc;olyo4, StIlt/' Ileteby aj'l1d8I,. asaIgns Ind lJ'8Il8/eIO 811 ar SIUn riQhl,1lillllllld Inttttst In 1111
C4nltIGt, In III manleI dle ItId III Ilfl:IlIM due thlltUldl~ and in I/llIIO I1B velicle lllld QUler proplllty BlICIIGCIII'IW
. Intnall d<<lcrflllCllh/rrillJ. f(l1W'C and/or lie 5IlQ;ell8O"I.lIUiona, ePlel&t1llie8 8IUI. BIIiIIaUls. All re)llVGll1laliollS,
WIttIIIIJ'" Indtlllllilleal/ol... gtJIJ1lIIliI8l111d hOIll hlltmlw p(ovialana made by llellor In 1118 COn\Ialll, Ind all...
olllet tll'llll 01 the uaiQJ!mllllt ~ tttemn. llIe nerebY made In 1avar Of 1tAFC.
'IIIIs Assb1nwnll(lBtfflt:elly Ind_ bUt " IUlIIImlIed to, IIIJ 11gb!, IilIe Md Inlllfe$\ of Sillier In any llle\llallce.
paIlC/es 8Itd OIlIer pmduclll (and lhlI proceedG 1herGoI)~ endol8ed ar abtakled by said BUy8l(8) IIIIdor
lh8!atm. Ollila ClJt1het. Tld8A;slglllllwaf)ecllicallY IndudesllI ri!JhI. Ilde encllnta=.t of Sellar In end 10 Ihll
ve/IlCIO.IlIY properly, coll.taml or IllCu/'i4' lnlerest dlw1bed IlI'l'l'llVidtd 101' 11\ iIle CIlnII'att
NoIWllll8t/lndl/lfl ~1l10 Iht/ CQrIttarJ contalnnclln lho Contracl, iIlis Ae8iOtlrnenl, upQlllll!llClllkll1 by SIller,
IMlllIs;n Selle'" rlghta In the Conlnu:I to IlAfC and natlo any assignu(s) named In the CoIrtrac:t. Thia
~Ilt 8htII no! be deem8d 1D I1lIIm SalIBr from any lillbility for the lnIIeb of any WlIItWIIies, rt:pl'88lll1\ll\8
01' allfllemenla 00lIlaInwl hetaln or In 1ba Contract.
Sellar-Ilaalwlp (please prinl):~< ~ 1+ pci'd
SeIlar'8AQ.nI(pIfUlIptI/ll): T4-I'YI~tJ k.cot-JS
Seler'aSJtlllllkn: ~ JLo[MJ_.
Till. of Agtn~ ~'ct.-nttJsll
Date of ASIIgnmll1t / I - , /.D. Cl'j "
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10/09/2000 17:18
7668750
KH FORD INC
PAGE 06
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Funding Department - Return Contract
Date: 12/07/99
Application Number: 22483697
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Dealership: WEST SHORE KIA
Attention: RON LUYSTER
Customer Name(s): ICAYDO, MICHAEL
1;>er our discussion today, the above named contract package is being returned to you due to the
deficiencies noted below:
INCOME DID NOT VERIFY AS CLAIMED CAUSING DE~T RATIO OVER 50% AND
STRUCTURE noES NOT MEET HAFC PROGRAM GUIDELINES. (NO CASH DOWN OR
TRADE EQUITY-WAS A "WASH")
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If the above deficiencies can be corrected to meet HAFC program guidelines, we would be happy to
continue processing this contract package. Please note: Insurance, references ""Ii customu contact
may not have been verified.
Please remember that payments which are due or become due within (10) days of reSUbmitting this
i'llckage must be included. Also remember that our contract approval is valid for (30) days. Contract
packages that are not funded within (30) days of the original approval are subj cot to re-approval.
Thank you for your business. If you have any questions or if I can be of further assistance to you,
please call me at the phone number provided below.
Thank you,
HECTOR TORRES EXT 6683
MANAGEMENT REVIEW
800-794-6310 888-893-5222 Fax
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7668756
KH FORD INC
HOUSEBOLDAUTO FINANCE CORP.
P.O. BOX 17902
SAN DIEGO. CALIFORNIA 91177
Registered Owner: MICHAEL ANGELO KAYDO
V chicle Description: 99roRD TRUCK
Vin: IFfYRllV7XTA56U9
NOTICE OF RELEASE OF LIEN
We release our interest in the vehicle described.
ADRIENNE POLANCO
TITLE CLERK
STATE OF CALIFORNIA
COUNTY OF SAN DmGO
s.~~;; M-
A"\.n
Notary Public .
day of ~ .2000.
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OS/25/2000 13:20
To:WEST SHORE
. 0
7668750 KH FORD INC
From: HOuSEHOLDMAN 18102619103
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\......... ... TO WHOM IT MAY
CONCERN HOUSEHOLD AUTO
FINANCE IS NO LONGER THE
LEINHOLDER FOR A 1999 FORD
RANGER VIN
IFTYRll V7XTA56129 TITLED IN
MICHAEL KADO NAME ALL
LIENHOLDER INTREST IS NOW
OBTAINED BY WEST SHORE KIA
THANK YOU RAY HORENSKY
HAFC
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17:41
7668750
KH FORD INC
PAGE 02
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Ul'8D STATES BANKRUPTCY COl.
MIM>LE DISTRICT OF PENNSYL V ~
INRE':
MICHAEL ANGELO KAYDO, SR.
LISA MARIE KA YDO
Debtor(s)
CASE NO.: 1-99-05526
KUHNS-HARNISH FORD, INC., tta WEST
SHORE KIA
AUTOMATIC STAY
Movant(s)
CHAPTER 13
,
MICHAEL ANGELO KAYDO, SR.
LISA MARIE KAYDO
CHARLES J. DEHART, III, TRUSTEE
ORDER
IPfI,? e",O
","-Ii::: Harrisbu
TlMt= rg, PA
=-A.M.. PM.
AIJC - 9 21JO/}
.s. ~COUJt
!!!erk
Respondent(s)
AND NOW, this 9th day of AUGUST, 2000
IT IS ORDERED THAT:
1. Within FIVE (5) days from the date of this Order, the movant herein shall serve this Order and the attached
Motion upon the respondent(s) and, if appropriate, upon the trustee, and shall file a Certificate of Service with this
Court.
2. Within FIFTEEN (15) days from the date of this Order, the respondent(s) named above shall contact movant in
an effort in good faith to resolve by agreement the issues raised by the Motion.
3. In the event the issues raised by the Motion are not resolved by agreement, the respondent(s) shall answer the
Motion within TWENTY (20) days from the date of this Order, and upon being served with such answer, the
movant shall contact the Courtroom Deputy at 717-901-2800 to list the motion for final hearing. rfno answer is
filed, the movant may pursue a default judgment pursuant to Federal Rules of Bankruptcy Rule 4001(a)(I), 9014
and 7055.
Section 362 (e) of the Bankruptcy Code specifies that THIRTY (30) days after a motion to terminate
the automatic stay is filed with the Court, the stay is terminated unless the court orders such stay continued in effect
pending conclusion of, or a result of, a final hearing. Due to the procedure set forth above, preliminary hearings
shall not be held, unless requested by movant. Furthermore, due to the scheduling conflicts and administrative
considerations, the date set for a final hearing may not, in every case fall within the SIXTY day time period set forth
in the II U.S.C. Section362(e). Accordingly, IT IS FURTHER ORDERED that the movant shall have TEN (10)
days from the date of this Order to object to the continuance of the stay until the date set for the final hearing.
Absent objection, the movant's right to strict compliance with the time periods set forth will be considered
WAIVED.
BY THE COURT:
0? ~...s-t-- '?V'~
ROBERT J. WOODSIDE
CHIEF BANKRUPTCY JUDGE
,'!i~~ ' ~1i.U!;OOi~:~~#.~i;d'l~!il-i..'ijj<%-J'l-,'~''''",;';''i''''f""",~~;-".~:~taJll "1-- -- '., ~"""lliI'~~-t~ ,"-~~Il!llWllllIIIii!iilllla
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NOTE: PLEASE RETURN ORIGINAL PLUS (1) OF CERTIFICATE FOR THE COURTS USE
AS
CHAPTER 13
CASE NO. 1-99-05526
CERTIFICATE OF SERVICE
I,
of**
certifY:
That I am, and at all times hereinafter mentioned was, more than 18 years of age;
That on the day of , 20 I served a copy of the within Order together with the Motion filed in
this proceeding, on (name and address):
the said defendant(s) in this proceeding by (describe here the mode of service).
I certifY under penalty of perjury that the foregoing is true and correct.
Executed on
(Date)
(Signature)
**State post office address
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UNITED STATES BANKRUPTCY COURT
FOR THE MIDDLE DISTRICT OF PENNSYLVANIA
Inre:
Chapter 13
MICHAEL ANGELO KA YDO, SR.,
Debtor
Case No. 99-05526 RJW
KUHNS-HARNISH FORD, INC. tJa
WEST SHORE KIA,
Movant
v.
MICHAEL ANGELO KA YDO;, and
CHARLES J. DEHART, III, Esquire
Chapter 13 Trustee
Respondents
ORDER
AND NOW, this _ day of July, 2000, upon consideration of the Motion of
Kuhns-Harnish Ford, Inc. ("K&H Ford") For Relief From the Automatic Stay, it is hereby;
ORDERED that the Motion be and it is hereby GRANTED; and it is further
ORDERED that K&H Ford be and it is hereby granted leave to repossess, retain, sell
or otherwise deal with the Vehicle identified by serial number lFTYRll V7XT A56129 as provided
by the Sale Contract which appear as Exhibit "A" to the Motion of K&H Ford, the Uniform
Commercial Code, and any other applicable law.
Dated:
The Honorable Robert J. Woodside
Chief Bankruptcy Judge
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UNITED STATES BANKRUPTCY COURT
FOR THE MIDDLE DISTRICT OF PENNSYLVANIA
Inre:
Chapter 13
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MICHAEL ANGELO KA YDO, SR.,
Debtor
Case No.: 99-05526 RJW
KUHNS-HARNISH FORD, INC. tla
WEST SHORE KIA,
Movant
v.
MICHAEL ANGELO KA YDO, SK, and
CHARLES J. DeHART, III, Chapter 13 Trustee
Respondents
MOTION OF KUHNS-HARNISH FORD, INC.
FOR RELIEF FROM AUTOMATIC STAY
Movant, Kuhns-Hamish Ford, Inc., tla West Shore Kia, by and through its attorueys
McNees, Wallace & Nurick, hereby file this Motion for Re1ieffrom the Automatic Stay and in
support hereof, avers as follows:
1. Movant, Kuhns-Harnish Ford, Inc. ("K&H Ford") is a Pennsylvania
corporation trading as West Shore Kia and doing business at Box 1177,6320 Carlisle Pike,
Mechanicsburg, Pennsylvania 17055. K&H Ford is an automobile dealership.
2. The Debtor commenced a bankruptcy proceeding under Chapter 13 of the
Bankruptcy code on December 28,1999, at Case No. 1-99-05526.
3. Charles J. DeHart, III, Esq. is the Standing Chapter 13Trustee ("Trustee").
4. This Court has jurisdiction of this matter pursuant to 28 U.S.C. SS 1334,
157(a), and the Standing Order of the United States District Court for the Middle District of
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Pennsylvania referring to this Court all cases nnder Title 11 all proceedings arising in or related
to a case nnder Title 11.
5. This is a core proceeding pursuant to 28 g157(b)(2)(g).
6. On November 16, 1999, the Debtor executed and delivered to K&H Ford
an Installment Sale Contract (Security Agreement) ("Contract") granting a purchase money
security interest to K&H Ford for the following Vehicle;
1999 Ford Ranger 4x4, Serial #1FTYR11V7XT A56129
7. A true and correct copy of the Contract is attached hereto, made a part
hereof, and marked Exhibit "A".
8. The Contract requires Debtor to make 71 consecutive equal monthly
installments in the amonnt of $469.62 on the 31st day of each month, commencing December 31,
2000.
9. The Debtor is in default nnder the Contract for failing to make any of the
monthly installment payments.
10. The Debtor filed a Chapter 13 Plan dated January 27, 2000 in which he
provided, at paragraph 2.b. that claims of secured creditors shall continue to be secured by their
respective liens and shall be paid by regular payments outside the Plan.
II. The Debtor has not made any payments to K&H Ford pursuant to the Plan,
or otherwise.
12. K&H Ford is entitled to relief from the automatic stay for cause, pursuant
to section 362(d)(I), because of Debtor's failure to make any payments to K&H Ford nnderthe
Chapter 13 plan, or otherwise, and because K&H Ford's interest in the Equipment is not
adequately protected.
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13. The Debtordoes not have any equity in the Vehicle.
14. There is cause for K&H Ford receiving relief from the automatic stay so
that it may take possession of and realize upon the Equipment.
15. By virtue of all of the above, K&H Ford is entitled to an immediate lifting
of the automatic stay imposed by 11 U.S.C. g362(a), and to immediately repossess and sell,
transfer, convey, lease, liquidate, retain, or otherwise dispose of the Vehicle.
WHEREFORE, K&H Ford requests that the Court enter an Order;
(a) Lifting the automatic stay as to K&H Ford with respect to the
Vehicle;
(b) Allowing K&H Ford to repossess and sell, transfer, convey, retain,
lease, liquidate, dispose of, or otherwise deal with the Equipment as permitted by the Installment
Sale Contract, the Uniform Commercial Code, and/or any other applicable law; and,
( c) . Granting such other and further relief as the Court deems just and
proper.
Respectfully submitted;
MCNEES, WALLACE & NURICK
By ~ilE.'
e c . ISS y, sqmre
Attorney ID # 44233
100 Pine Street
P.O. Box 1166
Harrisburg, PA 17108-1166
Telephone; (717) 237-5357
Fax; (717) 237-5300
Dated; ~lgl~
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KH FORD INC
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we.re' . 08UOATION$:YlKj;MA"UJIi~iIiitMOTOR
tho SEIlER. '6$20eULULE' PIn IlECHAlIICSBURG. PA 17055 v,.JetE ANa PROPERTY'JlIAMOU
.' ..,..,Nail' . Add""ZI. COd. BOUGHT WITWTlIlsCOIt!llAl:T.\ANOIQR
. MONEY ON DEPOSIT WIIH.JIj( Ii$SIGIlEE
Youue MICHM:L ANGELO KAtoo 6 IND!F~~'Ii)E:!C'~ r;!t r !:0\..!~; S;?~::::,;:r ;':'. .l:~~5rhisConlract.liJ:ldween,selIer'lfKt~,-AU
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If there is mOre titan one Buyer, tach prOll'lites. ,epmly and toplhar. ID pay all $\lmll due us aAd to pariDrm 1lI1 qreementstn tlli$ CoJ'llncl-. ItfJljizatigit;of' aRt _ced
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if To C nsuraoo&CompaIY
It $ ',., " ~ 1':1 .,'
:S To.l'ubllc Offici8~fOr.' .~:: ~.
l! Ucenq. T&-",amt,Reilsb'ltlOn
i $ . .- .
i Lien ,Fee '. u', .; ~?lf.:i'i~'~iW'
li $ ""'. \ t,
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-' i TOine*J41iJ11lWty
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.. I II0Y0R~EH~~E .IN~J~!LM~!lTS~~~11.0!\T~cr, '.IM NOV ." 6 .;~~ .'
. " Ji 'A""UAl" ",d '",,'''' i'FiIlAIlC.E"~' ,,,.,, ;AmDunt financed '!"'- 'JP
, PfRCENTAtlERATE CHARGE":,:,,, 'Th~''''ll1lt''cr.dil._'' "
th! cMfilfjaur-credltac' nie dollar amoui'll th'.. .', tG:~~U.f)f ~n YOUI beh,tll.
a ~elrly tlte. credit wUI tM1 you. J. , .,.'
Id~l';';lii','~".' ...:.:",,:,"'._ ':,~':: .,,~':'1
:;.,. ',','1: . . ': ., )111::1 II ',_ \. !.. '.. , ~r' .. "1 r., >.' ~ , " I'
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17.95
'II $ 133U..12." .' 20471.42 '
I
.' y~'~iSeMd;;;IIWiillK! : ',." ,+ ,1".'". '.J, , ,.j ,::~ :,..
t4o.lIfPaJmartfs ArJtountUP~,~ ,WhenPayml!llf'iArtOut
$ '.' ....-.' .(":_be<'riIi(' t.
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TMDE,IN:
You ha'le tr.adBd Il'I iAn
th,lo""winE"'hi"~ .~9 rOaD RANSEa
YearlJndMake' ,Description
If 8_ bali1JC8: is $lilt owing DR ib8 WllllinJe}lOll, ttave-trOOed in"tb8-SlIlU1r wiII-pay'Qfft~" ImoU,nt on your bebilff. You w~nt and represent to UlllMt
'I"Y trldo-In.isfnIII,fi'Dm lien; elalm.,fDltUmbBllI:e ~-$mIrtly, interest., elCtptttShllllO ia_tb.l~mizatiDfI. ~ Ar'nDu1lt.Fi~need!l!l Ule1J81l Payaff..
PROPEJITY' '_"$UlIAItCE: YOIl maY'wa;se, Ul, pel1On.,th~ueh',wtlo_Ifl,lnsunl,nljlll,'lJ.'Ob1Jirte(j qalMt! lD.s!I ordiinllge to the V.IUele and apillll.
IlJbilitv a~,'oolof use_or OYinerstt4l, lit tti8'Vl!'hic!e.:ln this Contrflct vou 'B'fJltImblnlf,WinsuM the:\{tllltlll_ilon. ~eep i[iJISUl1d.
CREDIT 1HSU_.-ucf IUfor, atq'JUR,EIJ: CQdit life Insurant8-and-Ctsdit DkBbiUtr ,Insurance'ara not r~uife<t'to ~btljn l:.redi\ and will
not IJe. provided' unlm ~I1U'~lllJ below and lema to pBythe ad'dltloftl~ COllis). Pktise real;! tOt NOTICE O~Pkj)flOSEO CltElllT JNSUifANCE
OA the I'8veFSe,$idtl Your insurilntl;! eertifleate'or policy willlell YOII the MAXIMUM,amoontllf i",,,r&nce ",llable. AII-hlSUF8ll(le purchased
willbe.lorthtlarm.oftllecredJt
. - . .
ay_signil'lg.you~S'nilt{jr8dltlifelnsur~.
IfIIhichc~' \tIS
Wltatk JOUr B~ signing, YOQ Met Single Credit Accident &;
age1_ Yellrli He31m IMUranlll!,which ~'$ }fA\.
WfIatIs Yllur
Il.Ke!_Y8&r8
".Slgmlureofll\twto'belMllttdf1lrSingleCreditAccldentIHllilllhl~
Bvsianinl.youootllseJett:JIlinlCnldit I WMlare Pel'CtJ'l'*&t
Acddent'lHeillhlnsuFilnc:a.whichcasu$~ ~uest lObe
I...",
Signablte of S"yetto blI insu~ fClr$lfl&le Credit llllll'mlBIlIlI
8YlligniRI[, you IlCIIh SlIIBOtJoinl RIA WI'Iat-are
Credit Ufe lnsurantw. whicb ems'. JIIur agut '
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llignatufnol both 8by8IS 10 be insured "'rJoh)lCttdit ure lllsurance
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S1anattnuo'bDthSuYer,l1obeJnsuredfllFJoint
Cr9dltAQaldeot&.H~IttIIMuranCl!
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Insulilr:: .~, I.
VEHICLE: '(-flu hawD agreed to PUtthilllift. under the tennloftilis Contt.1ct, 1he following motOr vehi\:le and its.xtra equlpfMnt. wIllcb Is calJfld
Ibe"Vel1ic1altlnthisCtlntmct. ..w,,)~".";'.".' '
JW1 Ymill_ ~ .JllliIIM IJ>.Jl>I. Irli<1<!luI~ liIlal_
Ilf;II . U'J9 rOaD llAN~Ea . ... 4Xt ,6. 60S00 lr'l'YBllV7XTAS6129
EQ.fp"," A.T. I.S. AM.1M stereo 5 Sjlo. '00..
with A.C-- p,w, AM.FM TlIPe Vinyl Top
ASSIGNE!: We mllY mien !his tDntract and SllCIIlity Aer~ltDWrt to,a ~es finance company whi~ is the- ItAhffl,nea.'"1f tlJe As.slal'lee Jpign,
the Contract ~- it SUbsequent'lsai,nllS, trle term. ,Iso reftll to sucb'substlq~ a:lSlllnee. After the mlgnmtAt. an rir,hb: entJ fmIefits ~f tilt
Sellllr lnlhls COntract ind 111 the Securlty Actaametlt mall belDng to Ind. b. anfllreeable ~y the Asslan.a. 'be As$llttet wRl notify you when
and jf S~ftE!r n'lake$.'Q Jni&nment.. ., . . '.
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tt 1.11 tlm Amount RnaftCf(! Ill"" lnN~in
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469.62
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. Soo .~~IIll.Ilf\ll~~Co.~cl dqcU~~I~Y addlliollallllhirtlJatiln~DIlt /lDIlp'~ defilllt, IIIJl'tIlulred repllrrMntll'lfllll-~1II8 sclledlllid~ata8rid. " I O. ~
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tbtSwa. "6UtrCARUm'PXKI' '.DctsAHtCSBtJRG. PA 11055 , mtICLE,"ND'PROl"cllT'{.
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Iflllerei&lIIOl\ItlliIlOll\lP\ly~r,~~~nteiYllMItmtber.t9p"d~d~llSaiKltGpe:rfDnnIlhI8TJlllIlllllltSlJ\tlllStalltlflcl; I OAo I ~
.r ClIrih prica'olt 'i.' ,. ..~t1 ~b'~_ ,...' ~o~
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Villlhlve.lridedlrf.':'"'''' ... "" $ I '11
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any,flIdNns_.. ,.... ..no.. ..,...'.._. '.' '.. ........,_. ....._. ".'hDwnlrttiulll!lmilltlill. ".......-..~.~...hyalt/:'.Vltue'OUtidlWn.,II"1<;Qllln~"llIMllli-lsq
PRln~plT:lIlSUlAJtCI&>y(lU;IlIIY,&lrll\l.;lftt,pet.(IJtthroll&k'wllWn,inlUflllr:B.1s-obtlinerhpinltJOSIarlllmaptD1heVehlcIelml aplllSt f~~I; '~~t;wd w,It-t~~iJQJ
~)rkIl11il!ltitQSf..cnmn.l#tIf.ttJ;JVII~ln,tllI;CIIlIti1llt',"i1IR1,_IJlIJJ"wliJ$lre.UleVtIliole:.ind,keep'ltf~Tr.1"~TI\!.l:I ~"" ,",,~""''''''~'.8
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an tliii'eftm,ifdS.,Yo'iirIMUflIlaCfln:lfl:itl or-fIIllltywllllellywtlli t.WCIMUM tmelllltllf lnttlll1lCtavaUlbtt..A!f IrWlmICB'jdhllmed I il~Id'Glllf~t1.1lC1t': .l;o>-',.,Wll.
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;~.~ , ;".;' '. ,...... . .':' " :';'J.' .~...,~'.: ' . " .. ":-,,:'.::', ~~.'."~~!_~~:~:\~.: 1 $1-.' ~~,'~t~":'~I~=
VDlICl.l>Vo~ tuI~_lgmact.kr JlUmIwB, andartltlltBl11I,at.lltb,C:ontTId;.Ihe'roIJoWllllllllDtorvehlcla ap~ itsew81J114tment whltb lsCl!Jed-. ! :ra--' ,. IlWIlQ
lha"V\lhl"llltlliJ~&Ct. ,. . . l" ".~,14V,.:' )JIt i" -"q ~WJMIf'
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"II1!n.,~t99r.oIiD' RANGEll 4X4 "', 6-. 60500' , lji'l$n.H~6:l!~ii' ;;;.:;, .
&I." AJ.. ps. AM-F't.ISteIIio'..;;~.'!j-Sp~.I'OIhef"';""\! " ""
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1i!El:we-m~:talp-lhIr-ColltraDtand_rily_JIIeIlttOluleJlill8llCe-&OllIPllij!I.WWl!lcllls.tIIa:.AISI'III6..:lttbeMilitll.~!l ,Ill ,,,,Ill.' '. ";"~I,'1(j
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.S Ittblll,CGlrtfactIili:l:m'~SecurilyAflfftlllIntlllllllbolan;:to'anr(b!llnfal!lUbI8bvtbt~TI1eAsslllfleewlllllllliJyyou- M~~lJii.~Ht'Fntiliiid'jlJW~1
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C"'ElI:Mlpil~nsl~lI'Illl~MhSteudtyA&raem~ntb4i1l1'l'llmuusiecu"lyilllM6f~nllteVl!llcllaodllifeiSsap&rJtefJ.~' .Nl. a.OIl '3'1_ neet ,
10~(-wi\f1llf~IsJ'lnd,IIUyBtW,.pllr1otllutr,a~I~lltt/leSl:;lIrftyAllUllIllnlallll-tlllltll8r~tI'tldsCll~tr.C!I~tIIllI .!l,I.&W:"~f\tlJ.I' " ,1IIlr.1I1dl-lIlIJIIlIBII
....~.,.,.~/I . ." .,' ,~, '." '.. .' . .. . .lo.l. Jll)3 wse:iIltt~IhoI'MllIe1fIfdtlOltliMl"
'~u.t~Itri~liouialiaVeBhl~Brt/,t'ull5~' ..'.,. :1" '\".:1t :'." ~'.:~~~ ~Q ~:',.':~T .~.M u13iGA
PRGMIQ,W- MYt-Yll\JQme .'PI' iii lIllI-TlIbI SaltPrict fGt,tbt.,'lltbld&,by !lIlIkfnl~~: , !Q'hi.ul&!"'
1iW-ltr,i1~. tbim.WlGJ. bmIlV'liItclila.Of,thItCOOlrlct..--am:. ' ~CO..
IriaJkIt 1n1amt,'1oII-llrtIiIlstllilftHt.'pajmtmr~,1ilh1b&L .:
" _,_rrnantI,C*fr,beb'8:-u.~d8"oIeadH_.1\lI' IlCt
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SE~:~~.fIAlNtSll FORD INC ". (;.OQP, BUI'fR .....,..~. '''' .:':" ",u;WI.".~T. ,I
:irr.I:~.~~/.m'YHJnk'OtiK.U 11/16/C)~' ItlYf1l 1.;~.,""'\"~ ';~~'~'~~:""'~'I.l.~:'.::.
,1.1' , oili ""'. !\I...DlilllI-f.:~
COo6JG,NEB: YOU SBOUW,READ-TJlBNGna TO CQ.SU;NE1t, WHICH HAS'BBEN GIVEN_TO YOV._Ol'f At.5Ef~RAT;lJ)OCUMl~,,1tlltf;l)&
SCIGNI!.~..TJI&'S CO<lO...!E!!!!!A.CIlBDUNr. ( ., l";'l_~ . 1_._ ....__ ..I ..__ _.. ,. ...'.:1':' 11 ':..i "r.~ l....,t ~~..l...,.;'.:..._"'.,. ~'\I":!1ll6M."~'",..., :l~!l
O::f~"'~~ A.G~l'n:_YQq.lhoporlQQ Qtpeh:I>>U)..........bc_u':\Al:-D1gJlU'. ,rolllull!AP"7tolll._.III_ Olt........o..cmUlllll.~!!!peno 'All:
......IIlrD\a; bi'thlICOlllriJCt.YOll. il'll~lObolopUybQuJld b,alItbttmllSofUtb-ColIll'a;I.ropanll~l)'aodtopthi!t._w1IJl.l~~,YOQ-_~m*UIIi,'p tit
'iJld_1lJ ~tIWt~ this Contract'wkh.thIJ',Bu~.1VOJ) tlltnlllh 1Q 'fin lISt 1hB pfGllCafb 061, IOrthlt llIaym bmwfiI.'You "IP'G"'to'm'~.t1~o..lf"'dl\j.n'lllt ~
m~~~f.pl_~~fIIilaad,~(Irpll1JPenIOqtbtl-~lIyoror~our~$'.I~. Y~ll1&oaoknuwlM~.~.IIt.~~",n'l'~~.~.I~~~~~:;;::,.}:r.i::;~.
.~~I~~I~'Di~"....." '. "\ (SEAL) Add_ "'~~:'::: .'~Jt: I~~ ...~..~ ;:f,i:~:::.. ;:~;::~~~
": ~; '.' I (SEAL) ~, J. . '. ",. .'liM '" I,:J&<; l~
Ct..SIjlIer'J:5Ipll;turtt.. M(lTQlI' ;:' ..'...,'..... D~; ....J;>;',
Co:.OWNEll18$$(:URlTY ACREEMENTt 'Yau, lite perJOu ~llnlQJ bolow u ~CG-O\vrler." II:Igmhur wilt! lM BIJ)/Crilr otherwilo belaalllofwOwlIlTnlttlll VI1da1a,-
tWro 111. SGGUriI~'1'dttmt 'Ill tlI6' Vohiolcl idntUIetI alNM, You .....111 bit \<Olltld by 1110 tomII of Ult> sl'C>lrity ^**mlllC mui!8II'otltllr Jlartl otlblt Cl:mInrcI...tlIo
~ProIll""n.:"aY'lRIlon.'Yoll MI s1yjilgld 'M5f!I:l,l!ity intoraHolndllllCtUlIO _1\0 lJlu CIlntracl wilh lhl Bu\lCl', alId to~~b'p~t bytbll Buyu_lIt'aDSI.UQI;IltIm
OQlbU~'Yov.lTillnQlbuapollSibltIforlll'lyd.,r~wlricllmllblbccluuItet~(m~'11hPllJnM'VObklle..j:.~h .'11, ...' "':~IMU';', ~lIfo', !!/Jl1pllliJ
. ,. , '.~'..' ..' ....dc." '. . , -.... (SEAL) . '. .:.. I~ ;;~~~:;:.~~;;i'.~\. ,:",',' '. ':,:~~.~'~'~:,:~~;l~~::~~';~~ . . i,
CO-O\Vncr'aSlanM,*~..' ':, '., ,Mdre$I" ~.. ~',1" .; ,,~l. ..ll!~" ~~ t'.ur. .1lj;.4\'11I.v.,DIUe!,.'1 ;J01.'1IIl
,!~t~L~, h Co-owNER, ASSKABlE, ACKNOWLEDGE RECEI~r.,O~:X.~OMii~trfd:dll~~~:!.~,#~' . .
..aVER.Jl71 ,....,..,.,'.1.' .''''
;1lj..'I;h~j,hl' .41, ~r,f l'~lIf"'11.1\I J,., l'
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; 8U'ffR .'.l~ "'"" ".'" '.')I'.t.;.,.. co.SISIfER "\jlol"'I.~J;:{
'. 'NOTICbs.t<EnassamEFOB lMPORTANTiN
,'~<.l~ ',;~II'f .. .....'!l'I.IIt"'.!!..~~ l:I.~:litr:r
.~~ '",'" ...t " ..~,;,.&). I.~'" "r.""H~,/I'l1
3
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o
o
UNITED STATES BANKRUPTCY COURT
FOR THE MIDDLE DISTRICT OF PENNSYLVANIA
Inre;
Chapter 13
MICHAEL ANGELO KA YDO, SR.,
Debtor
Case No.; 99-05526 RJW
and
CHARLES J. DeHART, III, Chapter 13 Truste,e ' .
CERTIFICATE OF NONCONCURRENCE
The undersigned certifies that counsel for the Debtor was contacted regarding his
concurrence in the foregoing Motion of Kulms-Harnish Ford, Inc, for Relief from Automatic
Stay and such concurrence was declined. Accordingly, the Chapter 13 Trustee also does not
concur in said Motion.
~ESquire
" ~'~.. ~&'.'
o
o
!
UNITED STATES BANKRUPTCY COURT
FOR THE MIDDLE DISTRICT OF PENNSYLVANIA
Inre;
Chapter 13
f
MICHAEL ANGELO KA YDO, SR"
Debtor
Case No.; 99-05526 RJW
KUHNS-HARNISH FORD, INC, t/a
WEST SHORE KIA,
c'
,-
?l g
Movant
,c:
(;) f~
V' -cJ
:'.
v.
MICHAEL ANGELO KA YDO, SR" and
CHARLES J. DeHART, III, Chapter 13 Trustee
Respondents
r,)
~'2
"-, '
MOTION OF KUHNS-HARNISH FORD. me
FOR DEFAULT JUDGMENT
C,<,' -.~,
n ~
~ ~; _:->1.
~ ~
To The Honorable Robert J. Woodside, Chief United States Bankruptcy Judge;
Pursuant to Rule 7055 (b) (2) of the Federal Rules of Bankruptcy Procedure, Kulms-Harnish
Ford, Inc, ("Movant") respectfully moves this Honorable Court to enter a default judgment against
Michael AngeloKaydo, Sr., ("Respondent") for failing to respond to Movant's Motion For Relief
From Automatic Stay, and in support thereof, states as follows;
1, On August 9, 2000, Movant filed a Motion for Relief from the Automatic Stay (the
"Motion"), seeking relief from the automatic stay of Section 362(a) of the Bankruptcy Code, 11
U.S.C. 362(a) for the purpose of enforcing its rights and remedies against a 1999 Ford Ranger 4x4
(defined in the Motion and herein as the "Vehicle") in accordance with the provisions of a
Pennsylvania Motor Vehicle Installment Sale Contract between Movant and Respondent and in
accordance with Pennsylvania laws.
2, The Motion sets forth the facts and contains copies of the documents relating to the
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claim of Movant.
3, On August 9,2000, this Honorable Court issued an Order requiring Debtor to file an
Answer to the Motion on or before August 29, 2000, A copy of said Order was duly served upon
Debtor on August 11, 2000,
4. As of September 11, 2000, no Answer to the Motion has been filed or served by
Respondent.
WHEREFORE, Movant prays that this Honorable Court enter a default judgment in favor
of Movant and against Respondent with respect to the Motion, granting relief from the automatic
stay of Section 362( a) of the Bankruptcy Code as prayed for in the proposed Order accompanying
the Motion,
McNEES, WALLACE & NURICK
Date;
q.--I~~o.;)
BY~
Ne 'c 1. Nissly, Esquire
Attorney l.D, # 44233
,100 Pine Street
,p, 0, Box 1166
Harrisburg, PA 17108-1166
Telephone; (717) 232-8000
Attorneys for Kuhns-Harnish Ford, Inc,
2
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UNITED STATES BANKRUPTCY COURT
FOR THE MIDDLE DISTRICT OF PENNSYLVANIA
In re;
Chapter 13
MICHAEL ANGELO KA YDO, SR.,
Debtor
Case No.; 99-05526 RJW
KUHNS-HARNISH FORD, lNC, t/a
WEST SHORE KIA,
Movant
v.
MICHAEL ANGELO KA YDO, SR., and
CHARLES J. DeHART, III, Chapter 13 Trustee
Respondents
ORDER
AND NOW, this
day of
, 2000, upon consideration of the
Motion for Default Judgment of Kuhns-Harnish Ford, Inc, ("Movant"),
IT IS HEREBY ORDERED THAT;
The Motion for Default Judgment is hereby GRANTED; the Motion of Movant for relief
from the automatic stay is also hereby GRANTED; and the automatic stay is hereby lifted to permit
Movant to exercise its rights and remedies under appropriate state law to reposes, retain, and sell the
1999 Ford Ranger 4x4truck (VlN # IFTYRl1 V7X7 A56129)
BY THE COURT;
The Honorable Robert J, Woodside
Chief Bankruptcy Judge
RECEIVED HarriSburg,
PA
Clerk,
Per
.,
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.
UNITED STATES BANKRUPTCY COURT
FOR THE MIDDLE DISTRICT OF PENNSYL VANIA
Inre;
Chapter 13
MICHAEL ANGELO KAYDO, SR.,
Debtor
Case No.; 99-05526 RJW
KUHNS-HARNISH FORD, INC. t/a
WEST SHORE KIA,
Movant
v.
MICHAEL ANGELO KAYDO, SR., and
CHARLES J. DeHART, ill, Chapter 13 Trustee
Respondents
ORDER
AND NOW, this 131Cl day of ~ ' 2000, upon consideration of the
Motion for Default Judgment of Kulms-Harnish Ford, Inc. ("Movant"),
IT IS HEREBY ORDERED THAT;
The Motion for Default Judgment is hereby GRANTED; the Motion of Movant for relief
from tl1e automatic stay is also hereby GRANTED; and the automatic stay is hereby lifted to permit
Movant to exercise its rights and remedies under appropriate state law to reposes, retain, and sell the
1999 Ford Ranger 4x4 truck (VIN # IFTYR11V7X7A56129)
BY THE COURT;
HarrisbUrg.PA
filED TlME~A.M,P.l",
SEP 1 3 2000
~ S Bankruptcy Court
. . D;"'tlVClerl<
Per --::
.
Is! Robert J. Woodside
The Honorable Robert J. Woodside
Chief Bankruptcy Judge
~'I
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.
,
VERIFICATION
Subject to the penalties of 18 Pa. C.S. ~4904, relating to unsworn falsification to
authorities, I hereby certifY that I am the General MlIIlllger of Kuhns-Harnish Ford, Inc. t/a West
Shore Kia, and I am authorized to verifY the foregoing document on its behalf. I further certify
that I have read the foregoing document and that the facts set forth therein are true and correct to
the best of my knowledge or information and belief.
en Deibler
Dated; /0- ?./ 0 ()
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KUHNS-HARNISH FORD, INC. Va
WEST SHORE KIA,
IN THE COURT OF COMMON PLEAS
;CUMBERLAND COUNTY, PENNSYL V ANlA
Plaintiff
vs,
MICHAEL ANGELO KAYDO
Defendant
NO.
of 2000 -703:::' ~
ORDER OF COURT
AND NOW, this / iR ~ day of ~/i) ,2000, upon motion of the Plaintiff,
Kulms-Hamish Ford, Inc. Va West Shore Kia, for a Writ of Seizure Upon Notice and Hearing, it
is hereby ORDERED and DECREED that a hearing is scheduled for the ;;{ r;t! day of
~ ' ,2000, atq:/S'<tm. in Courtroom Number ~ of the Cumberland County Courthouse.
Additionally, leave is granted for the Plaintiff to proceed with deposing the Defendant
prior to the expiration of thirty (30) days after service of the original process,
By the Court
Ad
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KUHNS-HARNISH FORD, INC. Va
WEST SHORE KIA,
IN THE COURT OF COMMON PLEAS
;CUMBERLAND COUNTY, PENNSYL V ANlA
Plaintiff
vs.
MICHAEL ANGELO KAYDO
Defendant
NO"
I? 'J 1Lv-
of 2000 _ '7d.30 ~
MOTION FOR ISSUANCJ!; OF WRIT OF SEIZURE UPON NOTICE AND HEARING
AND MOTION FOR LEAVE OF COURT 1'0 PROCEED WITH DEPOSITION
NOW COMES, the Plaintiff, Kulms-Harnish Ford, Inc. t/a West Shore Kia, by its counsel
McNees, Wallace and Nurick, and files this Motion pursuant to Pa.R.C.P. 1075.1 and in support
thereof says as follows;
10 Plaintiff, Kulms-Harnish Ford, Inc. Va West Shore Kia ("K&H Ford"), is a
Pennsylvania corporation trading as West Shore Kia and is a licensed automobile dealership
doing business at Box 1177, 6320 Carlisle Pike, Mechanicsburg, Pennsylvania 17055"
2, Defendant, Michael Angelo Kaydo, ("Kaydo"), is an adult individual whose last
known address is 6 Independence Drive, Mount Holly Springs, Pennsylvania 17065,
3" On or about October 12,2000, K&H Ford filed a Complaint to the above
captioned term and number. A true and correct copy of the Complaint is attached hereto as
Exhibit "A""
4, The Complaint sets forth K & H Ford's cause of action in replevin. The
allegations thereof are incorporated herein by reference as if fully set forth at length.
5. K&H Ford now moves the Court, pursuant to Pa"R.C.P, 1()75"1, to schedule a
.
,
,
hearing, not less than 48 hours hence, to determine whether a Writ of Seizure shall issue,
6, K&H Ford also moves the Court, pursuant to Pa,R.C.P. 4007.2, for leave to
proceed with the deposition of Defendant, Michael Angelo Kaydo, prior to the expiration of
thirty (30) days from the service of original process,
McNEES, WALLACE & NURlCK
7
Lawrence R. Wieder, Esquire
Attorney I.D. No. 16707
Barbara A. Darkes, Esquire
Attorney I.D, No, 77419
100 Pine Street
P,O. Box 1166
Harrisburg, PA 17108-1166
(717) 237-5229
Attorneys for Kulms-Harnish Ford, Inc, Va
West Shore Kia
Dated; October 12, 2000
-2-
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,-
KUHNS-HARNISH FORD, INC, t/a
WEST SHORE KIA,
IN THE COURT OF COMMON PLEAS
;CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
vs,
MICHAEL ANGELO KA YDO
Defendant
NO.
of 2000
NOTICE
YOU HAVE BEEN SUED IN COURT, If you wish to defend against the claims set
forth in the following pages, you must take action within twenty (20) days after this Complaint
and Notice are served, by entering a written appearance personally or by attorney and filing in
writing with the Court your defenses or objections to the claims set forth against you. You are
warned that if you fail to do so the case may proceed without you and a judgment may be entered
against you by the court without further notice for any money claimed in the Complaint or for
any other claim or relief requested by the Plaintiff, You may lose money or property or other
rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IFYOUDO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP,
CUMBERLAND COUNTY BAR ASSOCIATION
Lawyer's Referral Service
2 Liberty Avenue
Carlisle, Pennsylvania 17013
(717) 249-3166
1-800-990-9108
By "
Lawrence R. leder, squire
Attorney J.D. No. 16707
Barbara A. Darkes, Esquire
Attorney J.D. No. 77419
100 Pine Street, P.O. Box 1166
Harrisburg, PA 17108-1166
(717) 232-8000
Attorneys for Kulms-Harnish Ford, Inc. t/a
West Shore Kia
Dated; October 12, 2000
;;,
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KUHNS-HARNISH FORD, INC. t/a
WEST SHORE KIA,
IN THE COURT OF COMMON PLEAS
;CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
vs.
MICHAEL ANGELO KA YDO
Defendant
NO.
of 2000
COMPLAINT
ACTION IN REPLEVIN PURSUANT TO Pa.R.C.P. 1071. et sell.
AND NOW, comes the Plaintiff, Kuhns-Hamish Ford, Inc. t/a West Shore Kia, by and
through its counsel, McNees, Wallace and Nurick, and states the following;
1. Plaintiff, Kuhns-Harnish Ford, lnc, t/a West Shore Kia ("K&H Ford"), is a
Pennsylvania corporation trading as West Shore Kia and is a licensed automobile dealership
doing business at Box 1177, 6402 Carlisle Pike, Mechanicsburg, Pennsylvania 17055,
2, Defendant, Michael Angelo Kaydo ("Kaydo"), is an adult individual whose last
known address is 6lndependence Drive, Mount Holly Springs, Pennsylvania 17065,
3. On or about November 16, 1999, Kaydo completed a credit application at K&H
Ford for the purchase ofa 1999 Ford Ranger, VIN IFTYRIIV7XTA56129 (the "vehicle"). A
true and correct copy ofthe credit application is attached hereto as Exhibit" A".
4. On or about November 16, 1999, Kaydo's credit application was submitted to
Household Auto Finance Corporation ("Household"), which conditionally approved the loan
subject to proof that Kaydo's Americredit loan was paid off and that Kaydo's employment and
income were verified. A true and correct copy ofthis conditional approval are attached hereto as
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Exhibit "B",
5. On or about November 16, 1999, K&H Ford provided proof to Household that
Kaydo's loan to Americredit Financial Services was paid off. A true and correct copy of the
proof of payment is attached hereto as Exhibit "C",
6. Upon reliance of the employment and income information Kaydo provided on his
credit application, on or about November 16, 1999, Kaydo and K&H Ford executed a Buyer's
Order for the purchase ofthe vehicle, A true and correct copy of the Buyer's Order is attached
hereto as Exhibit "D",
7. On or about November 16,1999, Kaydo entered into a Motor Vehicle Installment
Sale Contract (the "contract") with K&H Ford for the purchase ofthe vehicle, A true and correct
copy ofthe contract is attached hereto as Exhibit "E".
8. Kaydo financed Twenty Thousand Four Hundred Seventy-One Dollars and Forty-
Two Cents ($20,471.42) with an arulUal percentage rate of 17,95%.
9. The vehicle was used as collateral to secure the loan.
10. The contract was to be assigned to Household, A true and correct copy of the
Assignment Agreement is attached hereto as Exhibit "F".
11. On or about December 7, 1999, Household declined funding and returned the
contract to K&H Ford asserting that Kaydo's reported income on the credit application did not
verifY. A true and correct copy ofthe document received by K&H Ford from Household is
attached hereto as Exhibit "G".
12, Subsequent to the entry into the contract with Kaydo, K&H Ford submitted the
title transfer and all related paperwork to the Pennsylvania Department of Transportation for
processing and on or about February 11, 2000, a certificate of title to the vehicle was issued
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naming Kaydo as owner and Household as the lienholder. A true and correct copy of the
certificate of title is attached hereto as Exhibit "H".
13. On or about May 2, 2000, after declining funding for this vehicle and returning
the contract to K&H Ford, Household released any lien it held against the vehicle. A true and
correct copy ofthe documents releasing the lien are attached hereto as Exhibit "I",
14, On or about June 5, 2000, the Pennsylvania Department of Transportation issued
a Certificate of title for the vehicle listing Kaydo as the owner and West Shore Kia as the
lienholder. A true and correct copy ofthe Certificate of Title is attached hereto as Exhibit "J".
,
,
15. The contract defines default as,
12. DEFAULT; In this paragraph "You" means the Buyer, Co-
Signer and Co-Owner, or anyone of them. You will be in
"Default" of the Contract if any one or more of the following things
happen:
a. You do not make any payment on or before it is
due, or
b, You do not keep any promise you made in this
Contract, or
c. You do not keep any promise you made in another
Contract, Note, Loan or Agreement with Seller or Assignee, or
d. You made any untrue statement in the credit
application for this Contract, or
e, You committed any forgery in connection with this
Contract, or
f. You die, are convicted of a crime involving fraud or
dishonesty, or are found by a court with jurisdiction to do so to be
incapacitated, or
g, Your file bankruptcy or insolvency proceedings, or
anyone files bankruptcy or insolvency proceedings against you, or
h. You take the Vehicle outside the United States or
Canada without our written consent, or
i. You use the Vehicle or allow someone else to use it
in a way that causes it not to be covered by your insurance, or
j. You do something that causes the Vehicle to be
subject to confiscation by government authorities, or
k. The vehicle is lost, stolen, destroyed or damaged
beyond economical repair and not fixed or found within a
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reasonable time, or
1. Another creditor tries to take the Vehicle or your
money on deposit with Assignee by legal process,
16, Kaydo was to make seventy-two (72) monthly payments in the amount of Four
Hundred Sixty-Nine Dollars and Sixty-Two Cents ($469.62), commencing December 31, 1999.
17. Kaydo has defaulted on the contract by failing to make any payments to K&H
Ford.
18. Kaydo has defaulted by misrepresenting his income and employment on the
original credit application.
19. Kaydo's current arrears total Four Thousand Seven Hundred Ninety Dollars and
Twelve Cents ($4,790.12); Four Thousand Six Hundred Ninety-Six Dollars and Twenty Cents
($4,696.20) constituting payments from December 31,1999, through September 30,2000, and
Ninety-Three Dollars and Ninety-Two Cents constituting late fees.
20, The contract specifically notified Kaydo of the following;
IF YOU DO NOT MEET YOUR CONTRACT OBLIGATIONS,
YOU MAY LOSE THE MOTOR VEHICLE AND PROPERTY
THAT YOU BOUGHT WITH THIS CONTRACT, AND/OR
MONEY ON DEPOSIT WITH THE ASSIGNEE.
21. On or about December 28,1999, Kaydo commenced a bankruptcy proceeding
under Chapter 13 of the Bankruptcy Code in the United States Bankruptcy Court, Middle District
of Pennsylvania at Case No, 1-99-05526.
22, Pursuant to Kaydo's Chapter 13 Plan, the secured debt for this vehicle was to be
paid directly to the creditor outside of the Plan,
23. The filing of bankruptcy resulted in an automatic stay prohibiting any creditor
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from seeking payment or taking any other pro-active action to retrieve property of Kay do.
24. On or about August 9, 2000, K&H Ford filed a Motion for Relief from Automatic
Stay with the Bankruptcy Court requesting that an order be entered to lift the automatic stay as to
K&H Ford so that K&H Ford could repossess and sell, transfer, convey, retain, lease, liquidate,
dispose of, or otherwise deal with the vehicle as provided for in the Installment Sale Contract, the
Uniform Commercial Code, and/or any other applicable law. A true and correct copy of this
Motion is attached hereto as Exhibit "K".
25, On or about September 12, 2000, after Kaydo had failed to respond in any fashion to
K&H Ford's Motion for Relief from Automatic Stay, K&H Ford filed a Motion for Default
Judgment with the Bankruptcy Court requesting that the Court grant K&H Ford the requested
relief from the automatic stay, A true and correct copy ofthat Motion is attached hereto as
Exhibit "L",
26, On Or about September 13, 2000, the Honorable Robert J. Woodside, Chief
Bankruptcy Judge, entered the following order, which is attached hereto as Exhibit "M";
AND NOW, this 13th day of September, 2000, upon
consideration of the Motion for Default Judgment ofKulms-
Harnish Ford, Inc. ("Movant"),
IT IS HEREBY ORDERED THAT;
The Motion for Default Judgment is hereby GRANTED;
the Motion of Movant for relief from the automatic stay is also
hereby GRANTED; and the automatic stay is hereby lifted to
permit Movant to exercise its rights and remedies under
appropriate state law to reposes, retain, and sell the 1999 Ford
Ranger 4x4 truck (VlN# IFTYRll V7X7 A56129)
BY THE COURT;
/s/ Robert J, Woodside
The Honorable Robert J, Woodside
Chief Bankruptcy Judge
"'.....-~ i.
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27. K&H Ford has made numerous meritorious attempts to repossess the vehicle since
the entry of the Order lifting the automatic stay; however, all attempts have been unsuccessful.
28. Kaydo has been unwilling to identify the location of the vehicle or to in any way
cooperate with the repossession of the vehicle.
29. K&H Ford, as the rightful lienholder of the vehicle, has the right to immediately
take possession of and sell the vehicle.
WHEREFORE, Plaintiff, Kuhns-Harnish Ford, Inc. t/a West Shore Kia, respectfully
requests the entry of an order in its favor and against Defendant, Michael Angelo Kaydo.,
commanding the immediate delivery of the vehicle to Plaintiff.
Respectfully Submitted,
By:
Lawrence R. leder, Esquire
Attorney I.D, No, 16707
Barbara A, Darkes, Esquire
AttorneyI.D. No. 77419
100 Pine Street
P.O, Box 1166
Harrisburg, P A 171 08
(717) 237-5381
Attorneys for Kuhns-Harnish Ford, Inc, Va
West Shore Kia
Dated; October 12, 2000
,
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10/09/2000 17:18 ~50
HARRIS ljAVlNGS JlANK
KH FORD INC
KPOCAMH
PAGE
02
........ W"l!o\- 6~e
/
IMPORTANT: flEAD THESE DIRECTIONS BEFORE COMPlETlNQ THIS APPUcATION ' .
If yQU ant ~g f<;", IndlvidulIl credit in ytlUf own nam& alld anr rel)'ing on your own intomo 01' ..&ow. q nOllhe Income Of.nets of IInOl/MIl' per'$CIl'I ti tho bUln for
~ '" lhlr Cr<<Iit*"**'. ~ lIM-"~ INotmalbn-below.
It ~",;Jppfyk1g kII' joInl cllldk with BIKIIhBr paniOn. complete bolh 11\8 "A$:JplieatIt "'IOl'maliot'l~ and tho "Co-applicant 1nklm1a1ton" btlow.
SECTION I. Vehicle Information ' , SALEPR'OE ~IIIG'O
~ NEW D IJSE.. UIlWlE MSRP dO. (,50 <:ASHmE....TE ,.50 C
YEAR IC\C\C\ U_ ;:;.~ MOOfL ~~e.c- TIWl< 1~.OOO
"'YOff 10,000
EQUIPMENT "')('\....T T""""'" 1.t.'7.,e;
....ClALNOTES~C.e.-.MIS,l.~\.80 TERUS 7'd..' =~D~~C\.3\'~
SECTION II.
APPLICANT INFORMATION
CO-APPUCANT INFORMATION
FuII~me
Cot..'lly:
fwlNlme
Birth Date;
SoolafSool.lrilyNo.:
No.ofOllpiM'ldeI"dt;:
$I.IO~
Zip:
City;
17 0 f.I;
YrsJMo&, Thllftl:
County:
Stahl:
Zip:
Vra)Moa. 1lMn: (Ahra Cod&) Phone ,;
~ 11 ~
SECTION Ill. Residence Information
,,*ING
(,twIIC~PI'loAel':
o RENT
DOWN
DO'rHIOR
(Explain)
MORTGAGE HOLDER I LANDLORD NAME; ~c. k (:) v:m.pC..~
MONTHLY PAYNENl: S. -r -So..
SECTION IV. Employment Information
Pwesen mpIoyer.
y
Yr,'(M.et 'flWe:
Pm;lInl Employer:
YraJMD'.~
Pallllon Or TItIa:
Po$iliOflOrTil;\O:
Employer'I~:
"T'
(Ataa CodB} Phone.:
EmplO}l8l"sAddnlaa:
(Afn Code) Phone II:
Gross Monthly SaIIIy: Othar MMthly Income:
$ 00 $
Sowces of Othllrlncome: .....bG ~f'.p.(,. ~O
, 10"" r...._ l'tt'"
SclUfllnOlOt/Ulflncomil:.-JlmlM!1.eNlI!IU(lllGIl,U-..ralllllllnltll&llCtlll;GIIIIll$ldllDlblt1ll'UlIU
llIudo JICIl wlr.hla blftlrCOll6lckftll Iii I bisIi IllfrllllYlll9\l11liobllgilllo!l,MmOIlY.,hilll$lfllRg~. ~!all
malftleftlJllit~~~acIltCOultltdB O..mtl\AOl'lielN.r11 DMIIIIICIa"lIIIdllllJ'
GI'ImIMonthly$lIIaIy:
$
Sources of Other lncoma:
othtIrMtIl\thl)'lnComlt:
$
5olm;n:gtOtherl"'~mt;N/mIny.c;bIldIVPJIort. N Nl'Iml mlhIllRI~~lIlIIlIIIdllOCbt~.
JOu ~o lot -.lib tg, hhlll;CI)ll~ n I b>>ll ~ 1t/ll1lllfl \!Ill OCIHg.fIOII.AIIt/IOIl'1, c~1d IUPfO'!, H~"
~lJIIllllllllnCtltCaIwlIIIlIdII'CIlllllDfd&rDWJIIallOfUlllMltCllllluft~
If II pnIUlll lob leali tn.n 2 yrs,:
Vra..IUps, ThBfIl:
ff at pre&entjob lIlulhan2yrB,;
YI8JMoIl. Th_:
Pnwlous Employers AQdrap.: (NeB Code) Phone':
Previous Employllr'a Addl9llll: (Ansa Code) P~nll ,:
SECTION V. Credit References
BANK I CREDIT UNION
Savings Account.:
Nllmcl Qf a.nk:
,.
Name Of Bank:
Ctl8CklngAccount.:
C-l2fh, , "Pic V
SlWings Account I:
Name of Bank:
CheQldngAt;:coYn'l .:
Nlln'\llIOfBanll.:
" ""~"
UST ALL DEBTS AND RETAIL CREDIT ACCOUNTS FOR WHICH YOU ARE NOW, OR
RECENTLY HAVE BEEN, RESPONSIBLE EITHER ALONE, JOINTLY, OR AS A CO-SIONER.
CREDIT REFERENCES - ALL DEBTS DUE BANKS, FINANCE COMPANIES; CREDIT CAROS; RETAIL ACCOUNTS
(u*8 HplIrat. ....iMt if nReaBBrr)
.~ ;':''''1'
NSfOIIgler.:tllllr
1-'1
EH.11toC.
I-I
NaI'MIlICredi\(tt
1-'1-1
p.,.,."
f~' MVO staWai6~! lD 1M D<<i'tol mylmo~ 11JIldBrstMd!hat ImuJlbt IItJIIaJI tl'tellge Pl'I1lJ}MIyto be .tJlbJo. n thltH.f.RRISSAVlNCIS BANK-Mn
I1Ita1n thl$lIPplic.tlI~. I understand that by sigl'llng '00 rvtuming 1NlIappllOlllon IlulhDrit.. HARAISSAVING$ BANK 10 varify the infom'tatlon JWYId<<f InCluding myfll'l'lPlov-
ment hllllory. pmvidllllnfDffNl.tIon about ~OIJr Q~II Bllperiem;e with mo 10 tNrd pamB&, &harO aCGOlII'Il &I'd Ilpplication Infam.tkm about fIlIlwllh tNf(I patlllIlJ, II\CIUdIt'IlI a<<n.
Itllfl. and aub!;idlar\o$, obtain a cunW\t ueQl1. bUfB8U flt&)Ort Ol\.. me and to nlqU8&t .C1(fitioNlllllofMatiOn vtrffieIlItion Of my iUgtll.tun!I and Of.,.,., applicatIOn, I Ul'lGII'IU.nd hI
ballad grt VQur ~,I will ~~. up 10 tM lImount lhown ~llltd. Illl$D undenJtand that If a QUIfOI11 Ct<tC,1It bureaU MOlt ~l4f;. bMIlr\Iptoy.IoI\w;':I~.
attachl'M~ gamillhnillnl. re&lOs.sMJIDfl.11en Of Il,l(IgemII'lt. Ol'c","lQtHlfI..yDU may wIthdraw the ~ offer, Of K.uch lnfonnatlon plMcd".1n dllfcwlt of rnv~t,and
DIsQlosY~Slalemen1rAgn,lBl'nllrlt")'Ournay~mv(:tUd/t~ . ~iil" ,;" .;.,;.l'...,.?:',
"'-M..--.AA.c.J k'__ ,~..4i1.,.r.F "..,.
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18/89/2888 17:18
7668758
KH FORD INC
PAGE 84
.......,...
1(717)918_0387 APP *: 22483697
PA YMENT CALL - PI".. 'Ilterentlre de.' structure .nd mubl'llltto tIl. Credit Cell,er listed b.low.
Year: 100GCl Make:_Fo-d. Model: RON-5es;- xL-r-MlIeage: 8-:"'-
Book I Invoice; $ I 'Z , b d-I. qd Term Requested; 7:::l. Payment Requested: $ LI. f'>l ,b ;+.
Rate Reqllested; I, ,<15 o/a Amount Requested; $ ~C'l 19b ?>./.. rl-sales Plica: $__
Sales Tax; $ EFU-,/C"l Lie.n..: $ f <+51 "t;' LA&H: $ 0 & H: $
ServIce Contract: $ l':;~. ~ S- Other: $ Cash; $,,2f Deferred: $
FectoryRebate:$ 1('700 TradeAHowanc:e:S tl..35b Tradepayoff:S IO,/7b.'F.3
Trlde; (V.... I M8II.1 Mod.~ ~C1 ~ lRnt'....\~~
DeeIef5hip:
Attention;
WEST SHORE KIA
RON LUYSTER
'\~
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:'\.".....;.;.~A<!<~'..'~t.....l"'~...,~~..., ,
Applk:ant; KAYDO. MTCHAEL
Co-AppIIWlt:
Payment Amount;
500,00
EMPLOYMENT AND INCOME MUST VERIFY AT TIME OF FUNDING,
Addition.1 StiDullllions;
1. PROOF AMERICREDIT AUTO LN IS PD OFF.
2.
3.
4.
5.
Comment.: THANKS FOR THE DEAL!
NOTB: FINAL FIGURBS MUST 8B SUBMITTED TO THB BUYING CBNTBR
PRIOR TO SENDING THE DEAL TO FUNDING. DID NOT CONSIDER OTHER
INCOME SO NO VER IS NEEDED. PRIMARY INCOME MUST BE W2 TYPE.
ALL PURCHASED CONTRACTS ARE SUBJECT TO A ~35,OO ASSIGNMENT FEE
SILVSR
Fe.: $195.00
Credit Officer, LISA DETULLEO
Date/Time. 11/16/99 7.04:33 PST
.
NORTHEASTliRN CREDIT CTR
600-366-8731 800-366-6757 FAX
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18/8912888 17:18
7668758
KH FORD INC
, PAGE' 85
CHECK
CONTROL NO.
76872
ISSUED BY: TAMMY SHEAFFER
PAYOFF ACCl'
000-404-859-522
MlCHAEL ANGELO KAYDO
273-66-3575
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10,173.17
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76872
81467
1002 -10,173.17
2310 10,173.17
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TOTAL
1002 10,173.17
DET ACfi AT PERFORA TIDN BEFORE DEPOSITING CHECK
REMITTANCE ADVICE
...
,," -,<0,".>1' ;'
KW~C ,- ,. ". ilH~.~~
P.O. SOX 1177
8320 CARLISLE PIKE
MECHANICSBURG. PA 17055
(717) 788-4733
FIn.nolo! TruI'
76872
80.412
-m-
16Nov99
CENTS
*****10,173.17
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'If. '=- KUHNS-HARNISH FORD. INC.
~***~***************
::;*~~;*;W~*~}URE
AVTliORIZED SIGNATURE
FILE COPY
~' -~ ~.,~~ .',.~." ~~
~
10/10/2000 15:09
IIIIIii
KUHNS.HARilIBtf'p'ORD. 'He.
76"0 f
ON THE CARUSLE P'KE
BOX 1177 i
MEeHAN ICSBURG, PA 17055
, I
766-4733
CUST. U).
"M~ICllAEL ANGELO KAYDO
STREET
DATE
CITY
STATE
lie
t:~E8S WARRANTY (NEWvtHICLES ONLVI
, THI!QNLYWARMN'TV Al"Pt.ltAaLE ISTHI!PRINTEOMANUI'AeTURER IS NEWV&l-!I_
CUi WARU,HTY WHICH Wi", BE D&UYliR.Eb TO PUItCHA$lJt WJ1H Vl!'HICLE,
AS II;
THE MOTORV1iHICI.EI$$OL.D"A$IS~ WITHOUT ANYWAftMNTV EITHER EXpRESS
0" IMPUIED. THE PURCHASER WllllEAR THE ENTlRl EXPIiiNS.E OF REPAIRING OR
CORRI!CllN~ ANY DEI'ECTS THAT PRESENTI",Y EXIST DR THAT ,MAY OCCUR IN
Dt E VEHIC\.e.
DISC;WMIER OF WARRANTIES
I UNDEf'STANOTHAfyQUITHE DEALE'" E)(PRESSI.Y DISCLAIMALL WARRANTIU.
EITHEft EXPftI!SSOR IMPUED.INCWDING ANV'-"Pl..II!OWARRANTyQI'MERCHANT,
A81UTV OR FJTNESS fOf'l '" PARTICULAR PURPOSE. AND TMAT yOU NEITHER
" ASSUME NOR AUTHORIze; "'fitY I)THER 'IR$ON TO ASSUME FOR YOU AN'i 1IA.
IlUTY IN CQNNECliON WITH THI! ~ OF THE \lfHICLE,,!XCI!P1' AS MAV OTHER_
WISE Bti PROVIDED IN W'U'hNG IYYOU 1"1 AN ATT....CHMENT TO THIS CONTRACT
OR IN A DOCUMeNT DEUVEfUO TO ME WHttll THE VEHICLE IS DEUvERED.
~"=~ ~ " ~u_ ~= . A.L~;
KH FORD INC PAGE 02
_E MODtl y....
SERIAl. COLOR
STOCK. ~E UElEOC
SALESMAN; DE fRY DATE
CASH PRICE .
ACCESSOfIlES; .
TOTAL CASH PRICE
TRADE-IN ALLOWANCE
1.'NET BALANce
2. LOCAL TAXES
3. UCENSE
CAS.
DOWN
CE r E
5. MFlTlAL PAYMENT
e. BAlANCe
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QUE ON DEUVEA'i '
7.AMOuNT FINANCED
OTHER 8. LIFE YES C
CHARGES 9,,, It I( YES 0
uNPAID BAlANCE jAmount Fil'lt.ncedl
IO.l ES '.8.9
'NAME OF FINANCE COMPAN.Y
NO D
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25.0
.0
350.0
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THIS CONTRACT IS ".OT 81NDING UPON EITHER THE D~LI!R OM THE PUtlCHASEIt
UNTIL SIGNEO BY THE DEALe:R 011 HISAuTHOAIZEO MANAGER, YOU ltIE BUVER
MAY CANCEL'TtllS CONTRACT BY GI\IING WRllTEN NOTICE OF CAN~El.I.ATION TO
THE DEAU!R. AND FlECt:IVi A FUlL REFUND ANyTIME IEFOfU! RECElPTOJl A copy
0' 1'H15 CONl~, IS SIGNED IY"Tt:lE ~EALt~ OR ,HIS .tiUtH~~I;r:f.D, MANAGER,
I CERTIFY 1'....T I AM 0' LeGAL AGI OR OLDI" AND AC-
KNOWLEDQE RECEIPT OF It. COpy of Ttt.& CONTRACT.
PURCHASER'S M A.iA _ A j('A'~ ..//"1
S1GNAruME , v::'" IO.l J! t ~ O^U/H/99
C PURCHo\SERWILLOBTAIN FINANCING AS REQUlflED 8VTHIS
X CONTRACT. BELLER MAV AlTEMPT TO SECUfIE FINANCING
ON BEHALF OF IIURCH.ASER BUT IN. NO EVENT DO~S SILLER
HAVE ANY, OILlOATtON TO PROVIDE FINANCINQ. , ,
C PRICE SU.JECTTO MANAGf:RtAL APPROVAl,.
o TRADE Al..LOWANCE aUBJECT TO MANA(;fR'S A"RO~~L.
""OEI'TEDBy;R,' 5 ~
I()EAUJI dft' MANAGER ONLYl
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......;.~-DEALER CERTIFICATIONSTAT~M" ENT' ~\~~~;:.,',
"'~i''I'l--)f
W. (t....llln. a..Ie. ...nl ... !~ow I.~ :t.. tI I."~ '0. ; " " ."., , " :ci, '/';:'~~
(1) Bued upon me the abovo deacribllld vehiele is bairlSJ delivered thillt: f
Govered bv an EnvironMental Ptqteetion Agllncy tEPAJ Cenlrlcat. of Con'o:.~I'h'd by the manl.lfactuNlrj, w. h.~'k~8~. '~l~I' vehil:1e iii '
(2) W.havlllffllduvhi1ulllnapel!rtionafth h'l. J ' IY. " " ..~~;,' ','''' '1l2fL
Pfopet1v iNt.lled by the manUf8CIUt1lr~ ve Ie e. me udmg the engine; baa.d l,IDOn luch viluallnllpection. .lllJml..lQn'~I~d c~m'pat~.~~ haY. be."
(3) Wehaveporformed.UemISllonre'lted r. ill t' ' ';:,': .'~"W'J' ~:,;.;~ '
"Nice ~anU.I, provided by the m.nuf.~u~.:.a IClln requu'ed bV theMIII1Uracturer priorta th(t ..'eafth. vtlhlcl.~ ~~~~~;~~1~'!' '
(4) Ifth8Y.tuQI.f.'I.an~PA..pprov.d.mlulont..t riortothfl . . It<!~~,jA 1'{: ""lA' ,
.t~. tlmB of d.,llle.y to the ultim.te ~ttll.r. :nd the v.h~~:lretlOn 0' thfO~ m~nth. 014.000 mll..(whic:h.....rOCllluraflm) ftomthli ...ormll;. ., l
mamtenanoe .nd u.e. then tho vehh:::lo "'.nufllllct\,l~r .hall rem:: ~~:n ""lnU;;Gd .nd uaod in eceordllll'lCi8 with tM wrItItn In.tructlan. torpra:fI\'i
menufactl,lrer'. 5 yepr /50.000 mile emls.ion Pfrform.nee warranty. nonCOh rmlty fteG of charge to the vehlc:le awne, ul'ld.r'~ tfnnil..of th']'
NOTE: THe DEALER MAKES NO REPRESENTATI lO,~!..... -.;\, ..',4\:.\
DEF!CT NOR THAT THE SystEM WILL P~6'P~:L~::;;~~ T.rH~T ~:~~~~~N ~ONTROL SVS'tEM OR ANY PART THEREOF lii.w~iTHOtN
IN PARAGRApH 4 A80VE FURNISHED WItH THIS VEHICLli is SOU:LV TH T Eft SEMISSION PERFORMANCEWAAft,ANTYaMEfeII,' R,ED, ~ ~
THEReTO. ' ~ OFTHEMANUFACTU~RAN~~THeDEALER'IS:N' '--:Po " .
Thfl''bCMtIt~~fmt'.rWq(l;''dbyS~r;tion20701th''CI.."A;r'Act''1:''2USC '64":' d ~ ~ij,!t;:~~~;:.;.. '.;:~ '
, . .. ,.".....:;r:- ItIfItIl.tIoM ~d~. I'M"':
ADDITIO~A&. TERM' \ND CONDITIONS ~~~,::~ ",' :';~'Ji"\ 'Ti:~
:'. ,:.,~, ' t.",',::,>~,i~:~iL;~'
5. Purchaser el9'eee to deliver to De81er ..ti.rai:xOIy 'eYrd'8fjC';~
title to any used motorvehicle traded In.... pert of the can.ldel'lltion',
for the motOf' vehicle ordered hereunder Gt the time of deliver" ' I j
such used rnotorYehicle to Dealer. PUl'Oh..urwarr.n1s .ny:auch used' !
motor vehicle to be his propertytr_. and olear afallliens.ftd encum:.':
branclit' except as otherwislI noted hetein. _", "'.J
" ,1" -, ," ,', ',~'
"0"
10/10/2000
15:09
76~i0
CONDITIONS PAECII';CENT TO OEAL.:;M ACCIli'PTANCE.
1.lnthllllventthatthe tranu(;tionreferred to in this Order is not a
. . caa,h transeotion, the pUreh8$er hareln. before or at the time of
~ehverv of the ~ar ordered, a.nd in DccDrdance with the amount to be
fln8!lce~ lIS Indicated on the front of this Ordel', will execute 1lI motor
vehl~leln$t'''ment sales OOl1l1'act, Bnd such otherdocument$ a~ are
r~~ulred by 8 finance Institution and by law. If this Order i~ con-
ditioned upon the ~urchaaer obtaining financing and if the pur-
~ha8ers cannot obtain, after a bona fide effDrt financing as indicated
In this agreement, any deposit will be refunded. If any purchaser, on a
caah I8le or 8.le to befinanced,. rlitfulJ:es to completB the sale after the
.coeptanee of the order by the dealer, the dealer may retain at his
Option, any ?8sh deposit made by the purcr.uet, but only'ln the
amount specIfied on the reverse ,ide of this agreement. In the evenU
used motcrvehicle 1'1.. beeI'! traded in aspartofthe consideration for,
the motor vehicle .otdllred hereunder. the De;\l,r may Illso llIellauch
use:d motorvehlclesnd reimburse himselfol,jt ofthil proceeds of such'
sale for expenses Incurred in storing, insuring. condltioning, and
lIdvertlsing said used motor vehicle for sale andfDr such other expen-
ses and 1089119 8S Dealer may Incur or Buffer as _ result of such feilure
or,refuS81 by Purchaser, D.uder Is a.lso entitled tQ a ulling commi...
siQn of 15~. The ,balance of the proceeds will be forwarded to thi!ll
Pur(:hes!!'I'.,
2. As used In this Order the.terms (8) "Sellen" shall mean the
authori~ed Oe.ler to whom this Order is addressed and who shall
become II party hereto by its ecceptrmce hereof, (b) "purchllur" shall
metlln th, party 1!lX8cuting this order 8S such on the face, hereof, and
(c} uManufactuter" shall mean The Ford Motor Division, or other
recognized menufacturer that manufactured the vehicle or chassis, it
being understood by Purchaser Bnd Seller that Seller is in no respect
the agent of Mal'lufecturer, that Seller and Purchaser are the $l)le p~llr.
ties to this Order and that reference to Manufllcturer herein is for the
pu'rpose of eKplaining g'enerllily CElIi,in contractual relationllhips
existing between SelleI' and Manufacturer with relilpect to new
motor vehicles,
" 3. Ouler reserves the right to ch"ng~ the cash delivered prige ofl
B new motor vehlele to' Purchaser in BOCCII'd with increBlied cost$'
caused by the passage of a law or regulation of the United States or
thil Commonwealth of Pennsylvanie. which requires the .ddltlon of
new equipment to the vehicle or changes transportation easts on
existing 111')/, rales: or. in the case of for",ign made vehicles, 1$ due to a
tev.lu,tion of the United St,tes dollar vis.a.vis the c:urrency of the
country of manufacture.
4. If the used motor vehicle which has been traded in as; part of'
the contideretion for the motor vehicle ordered hereunder is not to
be delivered to Dealer until delivery to Purchaser of such motorvehi.
cle. the used motor vehicle llhtlll be retllPpralsed at that time and such
reappraised value shall determine the allOWance made for su(:h used
motor vehl(:le. If such re8ppr8ised v,lue is lower than the original
allowllneo .therefor.hown on the front of this Order, Purc:ha&iEIt may. If
dissatisfied therewith, cancel this Order. provided. however. that
such right to cencel is exercised prior to thea delivery of the motor
vehicle ordered t'tereundertothe Purchuserlllnd surrender of theuaed
motOr vehicle to D8ater. Reappr~isal wl1llowerthevalue Df the trade-
in onlv jf the vehicle has suffel'ed dam""ge or serious mechanical
deterioret!cm since the date of Initial valuation end priorto delivery of
the tl'1lde-in to the dealer, or if pam or accessorieS. or both, includin,:
tire. and 8\1dlo components hsve bean remDved or I'l!Iplaced witt
parts or accessories of inferior q...elity.
...............
KH FORD INC
;
,6. Millnl.lfoct"'l'er has reserved the right to ch'I'ge the d..IQI'{of;
a.nv new motor vehicle, chassis, accessories or,p_rtt thereo,f.IUny'
tIme without notice and without obllgetlan to rn._. the s.me'or any:~
similar chlmges upon anv motor vehicle, chassla; Iccellllllollet, or~
parts thereof ,previously purchased by or shipped to Deeler or being
manufactured Dr sold In,accordance with Dealefa amara. COl1'88pond- '
ingly, in the event of a~ysuch change by Manufacturer,'O..ler Shill
have no obligation to Purchaser to make the'.., in,.,ot~i1n,Y elmll.',
chllnge in .ny motor vehicle,' chassis, accessoii.. ciftparia;1:hem
covered by this Order either before orsub&equ8nt to dillVery:thereOf:
to Purehoaer..~ ' '"";, ':~r' ~;i~' "::1"",?~,, ~
" 7. b881~r 8h~il not be Ilabl~ f~"'f~I:~'~~ ~~~~~~~, ~r~=i~~
delivering the mDtorvehlcle covored by tl'llt Ordllllrwh8111.t,lchJfallu~i
Qrdelay is due, In whole or in purt" to eftY ca'u.e beV,ondthe co'~ffJt~
without the fault'.or '.'!eg:l,lgencl!I of Dealer. ' , ,:,;~'~'{~_m
,,',~ ,-
8. The price for the motor vehicte spec:jfled on the face of this
Order Includes reimbursement for Federal Excise texas; but do.. not
include sales tax-ee, use taxes Dr OCOupltional taxes baeed on 1111..
vDlume lFederal" StBte or Local) unleiB expresstv, iO,atated, ,flu....
chaser SI$sume9 and agrees to PBV, unl,.. prohlbitod by law. any
such s81es, use or'occupationil taxes impOsed on or,ppllclble tothe
transaction coveted by this Order, regCllrdle8. of which' p8rty may
'have I)rimarv tax liability therefor.
";'
8. n..r. ... .... ........-. _..... ., 'mpllM, mod. by
tho 8ellerheretn,ortbe nwn-.f.wN,.on ...MId... oroMMl.
dNerllMd on the face hereof .xc. that In the ,ell'. ot . naw
.. ",hIol. or_oil" p"","" ......ut_r.n-....-
..myd.a......to Pu~w1"""",, ........ orohMela-'
oppl, .""......... Ie h_'m.... .pertl1iaM ..IMail~fullJ.>'
Hlt_ "'-,ThO _..hIcl. ......IIIyI. "'''''lYw.nMIY;:
.pp1I_'. 10'_ _ _... or _Ie _ Ie ........., In
1I...ot..I_'......-......- .,ImpIIad.lnotudl",_
Impl'ed _...nfJ,..., ..........n....."., or, tIln_ ~... p~or
",,,"",In .......-01. aNd ,;.hlot.."......... ....,jiII..bl\-
1Iy00.......etInll__.,~-.ltony,,"""",
.... del.rmlilod -iY by ",".__,,01.110II w",*"", , ,,,;:, ..
, .". ," .,
'10. Any l.Iud motorvehl~i~ ~oldto Purohater by Deale"und~f'~"j~.
Order Is sold at the time of deW/ery by,O.al.rwlthQut.ny guar.l"t...,
arwarranty. ellpressed or imp~ied, Incl~d~ng anYI,:"pUed wllItnlnl'( ot'
mowhantabiiity or fitnes$ for a Ptllri:lcular-pul'pose.lla,to!tl condltl.an
or the c:ondition of any part thereof except a. may tilt otherwl..
specifically ptovided in writing on the face of this Ordet or in a
sepatale writing furnished to purchaser by Oealsr.
, ,
, " ,',
11. The purcheaer,' betfore Of at the'time of dllllivery of th. motor
vehicle covered bythl$ Orderwill execute such other forms of 8g1'0"
ment or document, a$ .....41"/ be required bythfl tem1S and conditions of
payment indicated on the front of this Otder, ,,' ,
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16/66/2666 14:54
76~6
KH FORD INC
PAGE 63
p,NNmVANIA NOV 16 1999
IIOTOI YEHleU I.STAlU\ENT SAlE,eo. . OOOl ,..
ANNUAl FINANCE Amount financed Total Df Payments Total Sale Priee
PERCENTAGE RATE CKARGE The Imollntof credil pm'lided Tltetmolf!ltYOlfwiUNWlpaidfftdryoU The I$J eo" of 1Cllrpilrt:;' on
. lhleoltafycurcrtditlS ltledolllramovnttIMI toyD\lwanyollrbehalf. hlYllmadeallsct!edvledpiytmll'ltl crsdit,b\dudlniJtlurdDWll ym'~t
a YlllrIJrtte. credltwillcostyrJlI. 011 1l'7t. U
,
17.95 $ 13341. n 120t71.t2 , 33812.64 '134989,47
% 3
YO\lr PnmenlSchedllltwlll bB: ' Stcurlty: You ~re ilv1nl a seGurily interest jn the motor VIIhiclt beini'
Na.of PaymBnb A/l'tounlofPaymellt$ When Plym~nb Are OU. I PllrchueQ. ,"
?, I ... ., Mollthlw. Hllnil'lll 'U n",,.. 00 : P"paylllllll: If)OUPlyofharly.youwillllO(h.Vttopat~P8nl~,''
a
f1U..Flla:S ~" ^^ , ,",
" ~ ChqI;. U apaymen1.!5: lata, yau will be cbarfed 2101 tbt portion of WI ~ymlnt which 15. IJtlI farach month, lit partOl' a mllnth Iflllllettha'n 10 day.. that Ii rlImlj~ u"pai,t1.
Sie below and 1"7 other .Contrad documents; far Iny lIdditil>nallntormation IbI>ut. fIllnpayment. deflul!. In, l'eQuirtd repiJf'(lent In fun before VIe SChedu1e4 d,ta and prel\lYllltnl
refundundpllllllties., " "'. ..mtanslllilnl18
Inthi$.Contract vttth.UO u:rr.nNISu fOR INC IF YOU 00 NOT MEET YOUR CONTRACT
we all 'wu....,) 1101\ U D 'OBUGATIONs' YOU MAY LOSE tHE MOTOR
...,SEllE&. 6310 CULISL~ PIKE MtCHANICSBURG. PA 17055 YOHtelE AND PROPERlY THAI IOU
Nlme, Addreu" Zip Code" ,BOUGK'r WITH THIS CONTRACJ. ANPlDR
'" ,MONEY ON DEPOSIT W'TH JIlE AlSIGN!I.
T.".. MICHAEL ANG~LO KAYDO 6 INDEPEND~NCE DR liT 60LLY SPRINGS PA 17065,lbBConlraoI.__'''''''''...
1h,8UYER(S), ' . 'd_havo""".adobyllo...,_
Nlme{s) AddresttesJ ZipCode($1 irdends.tol!/iSlgnlfliiCotn:tlothllAasiCl'ttle.
~
..' lI.m;"';,. 0' Amount flllt.""
If there ~ mare than one Buyer, e.ch promises. sepllIratelY anlftogethllr,lO PlY,all SUIM due Ir$ and (0 perform III .greemellt$ in this Cantract Cosh Pile. ,...
IIAOE.'.: $ "^^^^ ^^,
Ytmhav.tI.!fadin 1999 fORD RANGER CashOownpayrnetlt- '
l~e1Qllowin!lv.hicle:
, Year.ndMe.kt Descriptlo:n $ N'e.
II. b.1ince II sfItI'OIMt on (1'/8 NIIld8 ~'ltlIve tt1d8d In; till SeIfer wil payoff tllk 1lIf000nt llfI )'Our'khJll. Yoo tmTInf 1M l'fCIl'l!ftIIt fa us tlI&t T~'fI
Iny b1Ide-ln I$frel from lien, claim. encumbrlnce or i$lCurity intemt. except as llllawn in the ltemiatilln of Amoutll Rl\flnced as 'he "tien PtyOf1: VtlueotTrad"Jn
PROPERTY INSURANCE: You may choose thl pe~it throU;h whom inlurlnce Is obhillIJd aplnst IIJS'9 or dam"p to the Vehicle 1M 81111nst $ 11350.00
HlltlUly ariling BUtat u!e orownmm" of'UIa VeMcl~. frt t/tf$ COntrac~ you 1ft prommgta insunr Ifte VtIricIe.1I4 keip itinJured.
CREDIlINSURANCE IS NOT REQUIREP; Credit Ute Insurance InG Cflldit Disability Insu~ncl Ire not required to obtaill credit Ind will Uen P"oIIlo AOI!RICREDIT
not be provided \lnlUlI you sign below and 'IIrtl to pa)' the additional cost($l. f'leaSfl read the NOTICE Of PROPOSED CREDIT INSURANCE $ .^'~" ,~
on 1fl.e te1'erse sIde. Your illiufJnCtl cel1ffleafe or policy will leff you the MAXIMUM amount of insurance 8Veiflbfe. All fnsuml(:\l p\lrcha$ed Unp"fdCash f'riceSarance
wll~ be for the term of,the Cre9it. , , ' . S
B1~.tJlOlJ.seJBCtsmgltC1ldifi.i~msV'IJIet" Whar,,)'<IUt 8-YI1!IIhl&J'DUSlJledSNldeCledlJ:Atthltnt.Bi Whltl.tl'4W ;t T. endit lMutlnc:e ComPlDY
whicbc~$ 1.11'& lie!_ !eal'i 'tf.Nlttllnsurlnct, which ml$ $ }I/A '&I?_YIIl~ 1 ~'"
. &
e To PtJbncOfflcla1:1 ,
Siih'lu"oIBu~BrMb.lnSllrfldlorSln&leCredilUf'ln!;uranct SiinatUre cf Buyetttl bll~rtd for Sinlle CRdil Amdenl & HeIItb IllSlJlIIlCe ~ UCllllse,Tus,ndft8&l~I1t1on
S,s1gn1ng.)'OIl bDth select Jclint What are 8njlllln&yOUbOlfll@Iec:IJaint~ ~WI1lItD1!lPtrcenllae f $
CfadltUfalnsur.nce.whichcC/$b$ N/A JllUfagasf ^,"Qdeilt&HuIIIIlnsurwtowhiclJcqsIs$ your_ lobe i. UalF..
ln~urad ~ 1
I. - I. ~-~ i I.
ii s' ".
~ ~ ~~. ~ ~~XTEMDE~ KAlR~Y
Silllll:uru 01' both Buywa to be ilWlr8d for Joint Credit urIJ iiiiU'tiiiCI e
SlgnltuRllGfbotllBu.Y....~bailliuredforJgiht v
"
CtedIt Aeddlllt & Hullh IIlSlIUnte ' .!!
is T.
In$Ul'llr. s S. V&ll io.l..~t r L~~,
VEHICLE: You hive 8ilreed to purchue, underthll: terms of this ContJ'act. the following motllrvthitle and its ertfs equipment. which Is called '" I. '1\ SAL~S
;:. 1M
the "Vahicle" in this Contract. "; 1 '
IllII lJaullllMait - ll;Ot~ IlA.I<iI. IIlIckIonJ:alllJ:irt SIIial_ AmoIIntflnll!Ciil-'
NEW 1999 FORD RANGER a
4X4 6 60500 lrTYR11V7XTAS6l29 ",''''' CO>liI . "
EQuipped, '--:'U._P.S. '_AM-FMSt.... _55"", Othtt a
with ~c. P.W, AM-FMTlpt VlnYlTolI Tatal of,Pl)'III8AU Ulliie at:lsncel
ASSIGNEE; Wa may ulign this Contract IiInd Seeurfty'Aartemellt to a pies tinltiCB campan}' which Is tt!IJ -A8IIgnee.. II the As1Ilinet a$$lps 1 IOU
tIleContrJettol$ubs8qu8ntl:mianee.lheterm.lsorelersto,u~h$ubSllquerdilS$linee.Atterthe aWllnment. III righls Ind bellefitSof tht 'llmlntSchad.I.-you IgrllloplY
Seller In this <;ontrllct 100 In \tie Securil1 A,tttement sball blllan, II) 1m! be enfor~..ble by tbe Assi,nee. Thl Asil,nee win notify yOu wlltn 10 us 11ft Amaant rfltlttCfd IIIl11lntllrtst in
IndltSeuerml~esanuslllnment. ,.
..;!.t;.~1 469:61
, ,,:. '" " uch, snd I Iinlll p,,-m.nt of
CO-lIGltER: Any pefSOn =ll/:nina the Mlper's 1.a""mlnt below promises separately Ind topther ~h an Co.Signerfs)lInd Buyer{$I. to pat I' ~a 62 ,Th....
'.",.,.......~.":'..lft..:}I.III..~.f,~~(~~~l~!.b!,m~D'iJ!ty..bWI.,... ",,;', , ~:~'~' ...u PlY'IIIlltWI "duUft ".' -,
CO-OWIIER: Any per5Ollll:tiinl,lhe Co-<hrnet'$; Security A8reernent below lives Ullll8CUrity inlllren in the Vehicle and _.trees sePtrately 811d , ,o1,~.,m..'
toiether with all Co-Owne laM Buyerls), to perform .0 agreements in thl Security Ai;reement and all other parts of tills Contract 'leapt the wiN dUE! on lbd'lI/IItl CIa} at uch month
~PromJselO P,y.section.
Tf:""S; TilI1tnn; shown in the boxes abowlr. part of this Contract: .....~
PROIIISE TO P'AJ:: You l!llft to pay us the lobi Sale Prlce for the Vehicle b): makinll till Cnb
Downpaymenhn6 wignina:,tf!e Tilde-In. ifs/lowQ.bove. on orbefmlt1edllf: ciflhls COntt1lct. and
paYiIli us the Amount Finanted plus inIII8st. You prOJJIise 10 make payments In.accordance with 1tI,
Payment Scltedule. You jltomlse to make payments on Of llefore the same lIay of ..eh montlr Q ~
ffftt pttYMntdw Iii.. yO(! 'life flI pay I" o(lfer ""ounfJ whtelIlIIIYb&conis due undorthe ~
oftbisContr,ct You lerallto PlY the Seller or Asslpee cosls of SIIil You4llsoqreetoPflY
feMonable attameys' feet if Seller or Asticnae hQ$ln ItIDmty !II coiled Imolltlz doo under this
eomnoJ"IoI'O....."'.........oIih>V.hld. '"'1''' "_"''''"''"tIo.......1o
"ndDII)'mtmtstcrtllelddrmwhlchtIlcAssllneelllO$tre~s~lntlll!wr1tlennotlcll19you.
ay sia:nin; below. we 'iree 10 sell the Vehieltl II> you undet the terms of thll Collll'lcl '
SEl'" KUHNS 6ARNIS6 rqRD INC
'1: ,(bmnt.Jnk!()ff/!. A )
SICURlll AGREEMENT: TIlS8cure 1he pa}'1'llent of, all $UIIIS d~ IIld lhe'P!lrfannlnee of all
rt!Q\lfred ablip.tion$ under this CaBlriet. YQU give a Sf!CuritY fnterat, In the Vehicle. in aU
I)Ins (~Irad al:(:l$$ions1 .lIlchtd 10 the-YehiCle at any leter timel..and In .ny proceeds of
the Vehicle. 11)C11r~inlt Insllrance proceetl$. The AQIPI mlY IIt-on any lblIourits: due anti
pnplIid pnuilr thl!l Contract ag8JJl$t 101 Off,Dur money tin (IepDlil with Asmal1el!. This.
Includes Iny money wtlich i$,raow lit 1nRr: in e future tie de~ted wilh AssiSllee by you.
Assi neem'1 do In rI rnOtlef 0 u.
AD 1110 AllE onom NS: THI N THE REVER
511lE, YOU ARE 0 All THETERMSO Al'l'EAR ON IHE
fRONT AND REV DIS,
NOTICE TO BUYER-DO NOT SIGN THIS CONTRACT IN BLANK. YOU ARE
ENTITlED TO AN EXACT OPY Of THE CONTRACT YOU SIGN. KEEP IT TO
PROTECT YO R ~E AL H
11 1 ili,i 9
wot!
eUYEf{~,l.,
11/16/49 i1I,lVER
Dale
~EA~
Dll,
~.~-
,
.'"
'"" . 'i.,
o
o
18/86/2888
,
14: 54
'7668758
KH FORD INC
1,
1.
_'Ii
J!
&: To
5 $
~
i T~XfEHD!D ~A~TY
to $
~ To Oil
.$ $ L.J.f4tf fl.il.i:S
" .
ol: To PA SALES TMC
$
Amount Finane
$
Fl..n..
$
Total of POl'mOn .llime a.1."",)
$
'a,ment Stlladule ~ You Icree to pay
to U5 the AMount AnanceCI plU$lnl8rest in
PAGE
02
2-
Sitnaturesaf both BuyeJ$tob. ill5Ured fOr JolntCreditUfe Insul1J\t8
2-
Si8'llltUI'II 01 bOttl Buyers to be iN:Uted lar Joint
Credit AccIdent & He.1fh I""'''''' ' '
_'Ii
Insurtr.
YEHIClE: You have 'ireed to purchi$', onder the tellllJ 01 thi, CDnI"et, the following mDIDr vehid. .nd its .llra equipment. which i$ calle<!
lhe "'Ve.hicl,. in this Contract
IlLll Yilt IIlll /l\akt &l!Il.
NEW 1999 FOIID RANGER
IlJalilXll
4X~
&.~
6
llWJJm tamil:i.
StrlalllilIIlW
60500
lFTYRllV7XTA56129
[qUipped _ A.T. _ P.S. '_ AM.fM SIma _ 5 Spd.' Othet
with _A.C._P.W. _AfMMTape _YmylTop
ASSWNEE: We may assign thl. c.ntro<t .O!I Securily Agreom.nl to .,..,.. fina... comp.lly wh/CII I.th. "Aulin.... Ir th. Ass/fn.. mli..
the Col\1rect to . subsequ.nlwig..e, the ,t.rm al.. r.fe.. to .uch subsequent assii/1'" After tIit aSSignmen~ all righll aOO ben.fits Df the
SeUer.in this Contract and In tht'Securily Ag:reement shill belong to and be enforceable by the Assignee. The Assignee will notify YOu when
and If $eller m.kei en assiinmint.
I/.)() f!-
p.;tl"" 01 $ 469.62
uCh, lnd a nul payment of
$ ~69. 62 ,Th.first
payment v<<1I6e tlLle 01\
, A! lhw;,~ymonll
wiu\? due on that.ame dlY of each month
followini-
SECU.RITY AGREEMENT; T~ 88cure the payment (If alII sums due Ind the ~rfonn.ance a1 ill
requirad obliP.!iDn. under Ihi! eontracl. ~Q. il~' a "ClIri!Y i~te..sl in Ih. V.hid., in III
_ i(COIled a"l'."i/llls") I~hed to l!lo'V'hiclut .ny I''''r limO and in any procoed. of
th, Yilhicle, includin11nsurance proceeds. 1he Assignle may set:otf any amDunts due and
unpaid, untler lhis Con:traet, aeam,'st eny of yoUr' money on d, epo$lt with Assignee. This
in~u~.. any money which i> now or may in file 'ulur. bt d.""./leIl with Assi81\1l' by you,
Assl nee ma dQ thiS without an rHlr notice to OU.
ADDIANDCN : H S CON RA SOH
S'DE YOU ARE OBl/GIITEO TO ALL TH TERMS OF THE CONTRACT WHICH APPEM ON TH
FRONTAND REVERSE S'DES.
NOTICE TO BUYER~DO NOT SIGN THIS CONTRACT IN BLANK. YOU ARE
ENTITLED TO AN EXACT OPY OF THE CONTRACT YOU SIGN. KEEP IT TO
PROTECTYO R J..E AL H .
BUY1:R"-:J,
" ~
, ,
Co..SIGHEl: Any person Sign.illg the CO-SI&"~Ir's Aereem~Rt below promises seN~181y and loaether with aU Co.Signer!s) and BLlyer{s), to pay
all SUIllt due lnd to perform aU alreemilnts'in this. Contract. CO-S(I".r.In not lit." Ollll\At of the V'hlcle.
C~\VIER: MY pertOn slsnlni thl C..own'f. $eeu~ty Allr..m.nt b.low ilve. us. "DUrtty Intorest In the V'hlele .nd .g.... ..",mely and
together with sJJ eo.OWnelf$) 1m! Buyer(s), 10 pel10nn sJJ .greements in tne SBClIrily Agre.ment..d ,II Mhor ~.J1s Df this Conlml ....pt tho
'Promiae to Pat sectlDn.
TERM$: The IO,ms shD"n in thl box.. .ba... are part Dt this Contfact
PROIIISE TO PAY, You ISIOe to pey UJ the TDfaI 5.1. Prict for lhe V.hicle bY m'kin!! tho Cash
OownpaymanlaOO.qmnt the Trad..ln, if.hown ibM, en "bafono th. dtte Dlth~ Contract, and
",yirttus1li. Amsunlfmancod plus 1nfemt ruu promise fIllM,," llIymanbin..i:cOrd....wifI1 the
Payment Schedule. Yo. PromiselD make p.ym.nts on or ""fore the ..me d.y Df Pelt month.. tIit
fim ~Iymanl due dale. YOD.gree to p.y .11 Dfh"amounts which m.y _me doe under the b"m.
of lhi. Contn.~ Yo. 'if"to p.ythe Seller Dr Assign.. mI. 'or .ui~ y.u .1.0 .It.. t, p.y
,......W, .ttorn.ys' teesij Saller Dr Assign.. him an 'lI,mey 10 coll.el 'l\\DlUlts du. Dnder th~
Contraet" to prD\eel" got pDUe$Sion 01 th. Vohiclo. You agrae to IIIBk. p.ym.1llS et Ih. Ol.ce Dr 10
send paym.nts 10 th. add.... which tho A,,~ri.. mDsl recently .pecifies in the w,iIl.n notice 10 you,
By signing below. we agree to sell the Vehif;1i to you underthe'ternu of this COntract'
,',
$tu,[R KUHNS MRNISH FORD tNe
BY: ,,41 mnu f)k!Omt A )
1/1~t~9
11/16/99
Date .
BUYER
(SEMJ '
Date
CO.sIGNERr YOU SHOULD REAXl tHE NOTICE TO CO-SIGNER, WHICH HA.S BEEN GIVEN TO YOU ON A SEPARATE DOCUMENT. BEFORE
SIGNING THE CO.SIGNt:R'S AGREEMENT. ,
Co..S'CNER'S AGREEM,ENTJ- You. the trson (Dr persons) '~ninB below B:5 ..eo.Siper.... promi5c to pay to us aU J\1roa due on tbis Contra(:t load lD pcrrDrm all
agrcemenu: ia this Contraet. You intend to t 1taally bQ'UDd by'at tht terms of tbill Contract, separately aDd tl)sethcr, with the Buyer. You. Il..e making thjli promise to
induDe Il1l to make this ContraG:t with the }luyer, even thouih we wiU use the prO\;mil only for the lIuye:r"s btnefit. Yo,," qtee to pay even tbough we Ina.y not have-
made- any prior dtma.nd for payment. on the Buyer or exercised QUJ; ,"\ltily fnt~~t. \"ou alSo ac:know-Ied., ~iving It "omplettd copy orCbis Contract.
Co-Sj,!,-~r" Sisnaturc (SEAL) Addlcs'
Di:te
(SEAL)
.Co-Si&ner's Signature .. , Addll:ll Date
Co.oWNER'S SECURITY AGREEMENT: YCtll. tJJe perlcm signins ~J()W'.lis "Cg...Q~r," roge:lhc:r with the DU)'G'r or otherwise hillS all 01 thet Ownell' of tlte V~hicJe.
&ivt us. Security tntercR in the: Vehicle ideDUficd above. You aaree to be bound by the terms of the S"urit)' Agreement and aU other parts of lhi!il Contrad. except the
~Promile To Pay"" JeCUon: YOl1 arc giving 111 tbe $Ccw1ty laterat to induoc u. to make thii C4ratract with the Buyer, and to Iccurt the payment by the fl.uycr of all sums due
011 this Cot\(ract. YQU win Jl;Qt be responsible ror any deflclent)' whiC'h mir:Jat be due after rcposaea:AiOft and iaI<: o( the Vchicte_
',' ,(SEAL)
Co"oWfIe(" S~naturc
'. AddJ't" Date
AN CO-OWNER, AS APPLICABLE, ACKNOWLEDGE RECEIPT OF A COMPLETED COpy OF THIS CONTRACT
NIIl. S~ . . ..' ' ". "
BUYER ~SIGN!R, .' :', CD.SIGNER OR CQ.()I'/NER
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION:' ,
8AHCOIGtlMER fDRM,4 2!-SlC (J/~
. ltb DANCONSUMtR $iRVlCE,IHC.
'.~. .
_r".......'..
",,",LJ!lj"UUl,~,"IU""~'~"'~I_''''l>i''Il.,I.'ULIIU~'~_~~ ~~....~~--~,....,jl~~'" lIIl;~j.tlI~~Ij;~h~iiiII.iIlIiilIIfu~~
~~,
_----L0/0,~/2000 14: 54 76~0.. KH FORD INC PAGE 04
;",,;;.., "t':" 'c ". V~", ;,A !/l~"ll.\RMS~~,9CONOITIONS" ~;;?\"~:""I;)""""';;'i(""';' '"
, : t.TOTAL..of..~AYJl~UJseQMr!JTED:tlle, ' rn~e: ,mone'ad~ancJdl5we.a!GnIlm.,):.;"Jj)j.lP.'Ylq:l~~,pn,~If@Ild..Ptliil.!QDi,.Wi1.b..yout, '
, Il'lanceifili"-~!iii'~lnir\ci.L"'a,~fle 'fioln e1y:ol,intiiftt ", monthl, pII,.ments: If we' chOOlltw _11Dw you,>> tIpi,.uiil.rnonev adwnold.'~..long with yOl)r
, jJutfd dIHy'Cft1 ",tf~lTibf_ of tItt Amount rmltfCfdHJrd1itiMe Chtrp' tml'1fttt1t'~_ em t:IIoou the IdtGunt,ot IM$t p.ytfM1Ib ilmlltowlGiJi reu hfwtto'
\!' h wn o,l\lthe,fflln(,.sjd. bu.lJplMOmPilted Qn the a>>umpUon :tIIlt,~8rwUl, r-eeelv$ all ., "paJdl In:rotouT rlah1:l ~ in thli par8lr1pb lit hat permitted bY ~w"we,stiII have tile
I~O~dll~d.""I~~ ~. .;\". ,., :'I9f'~,!.II<,:' " " r ,othet'rip!;s mentiO,ned: Our payments on your.behllf wiD r cltr8,yoW'faK~,I~ to 1?f!rfcrrn,
,COKrutlKG ImgES.f1:'We'wflfcftareerntereRanldaif1 basis an tn. aulslal'u:ling fOur~"'ttllsCailtf1c;t. "" "'n.;': '
nClfiubjeo\ to infer'id Oi\'tllcll do, 'of tf;Ielaan UlI1ll. Thedail, interest rite Is aquallo.ltle 12. OEF,t.Ul1: In t~i$ pat.1graph "You" mul'lS tt. Buyer, Co-Signer al'ld Co'OWner, or any 01'11
, ,l.IlIl Plfl:a~~'p ~ dMdRd by the Ilu(ll,ber of days; in thai calendlr ydr.. ~~ of them. You 'Nill be in "oet~"II" of the Contract it any GMfor mora of thll1oll\lwlni: tt1ina
j1MtleClluMlrttemtllcttcu~*"on.d;j(ybasis,lafe~ymenUYdUrtr.Y[fm'additi6nar... Nippen:" ""C' f, "" r"~f.;' ~7,\!
tr."rest (and, if aP{llicatilita li~rcQtg'I.!6rl)' payments WUI,~iilU;~.Ss. 1m-rest, beln. e, You io nJt inake lny payment ottbrbefofe'ltli ilue; or-.t
"imUarlYlndl.orJate..JllymllDb:wiIlCWi8the,ill\ountot.theJlnlllMlymllllltomanRll. .. ,-.b. YoudollQtkeepanypromjseyoumldelnttlil;Conft'l1otor""~' "',~ ....".-" -
lATE CHARGE: BUJllr-aree~to 'Ry I late chargB for any payment not made within 10 c, You do nol keep Iny PfflMise you made In alllltherConlrlct, Note, loan or Aereement
Ip .tt....ita.fhte d~~T1Ml,late chll1e wilH:te ~ per month on (he.uPPlIid amount Of the with $e:iIu lit' mi&ntt; or , ,~ '
yriien!. We wlR tOlIitder'a'ny pert of I month in' e~ss of '10 lfIYI to be I full month, The d, You made any unltue statement in the cr80il IpplieitiOfl far this: Contf.c~ or
chaflle'will be due whln earned. No lite charge will be dlle Iftlwl reason that thl ., I. Youcemmittldany1oI'ieryinCOl'lnection'lfith,thiSCont~or ,_"
Iyment is lItei.j$h:aus:e. after default, tht entire outstand1lli balanee,on thil Corrtra<:~Ji' ., ':'f.~::fou'.dll!l, are CbMidld 1If. ciltne inlKllvinsfrtlld ordishoneuy, orar. fOllnd- b, I court
~ HI late c6arp w;q be dIe if the IInly tHSOI't thatthll payment t5 '-1, is because 01 11 late withJ~riscliction to do $0 to be il'tl:aplciUttld; or /: \ 1!
fl8 assess,ed an In timer payment. ' g. You filt ba~kruptcf or ip~alvenc,. prOt'~,dlnll~. Qr)~p~~,n~ liles:, ban~ru'ptcy Of
_ API'UCATIOII1 Of PAYIIENTS: We will JPpty pa)'lllenu In tile tallo\IARI order of Pflo~: msolvel\ty ptnceedln.~ ~.mst ~u, Or . .'
1D iJJlUISI{and't/)f:D to late dillies. leli:pti_11JId .n)' otIw~ you OW, m .. h. You take the Vllhicle Olltsitll the UIIited stalls or Cin.d. Without our written consel)f;,
=A~::=~y'prepa,.ln flll;:;n' ~.~ ~e a;o~Pt~~"~~hls'~n~ChUny . 'Of l. . You use lI!e Vehicll! or ,Uow SOlllClone elM to use It in'a' ~.y tbat.causes It not to be"
" e,,~~It'yau'P1ePlt'thmntmthr""rt;"'DU'atrWWe:llntinlil"fD'1r(elle,""'WIIer8d,bnQllrill$w.allce;or.'..'.' ,"n ,..'.. ,', . ,,..,.., , '~'7"-"'- '.- 'I'
, .lNIarty.Jtbeduled Dlyments unti~ you I)ty aD amount$. due under this Contract. Tills will ~ y~u do somelhina: that eauses the VehIcle to be sublect to confiscation by gGvernment
1ed1lOll,tM:llumbllt,ofpaymentsyouwUlmeke. autl\llti\ies;or.. ";i:1' <"I. ,:'1 H(:!i.Hfl,H :~WIU~ ' . '
~.~,,,ti. :':,'.;.;'-::.:- ,:.,:,. ',1;'.' 'IV '. ,,"::'qi'l :.qq ,~~tiJi2')di3~~~~Il:~~,,::~~,,=~.P~~!K~~ecenJ!!,~I~palr'i~ndnot
~~~!AlV~R 8l'~i:U:R ,Atilt ,.Sliil~IIEE~ wt Ind Assignee wal'itl/le n~l1t tD treat any L AllOltler ereditor tries to take tI\e Vehicle'or yOlIr tno.ney on d~fwltf1 Assignee by
B"'pa!Ij;:c'~,'::=~~~~o:,~go8Y"f1?~.t~'l'l'~t}' /~}'i>~l ~J~r.:'ml1f:] d G;Yl1, t.J:;;'i<l~ J3~H:,I!; "
,j 'AN.ERS Bl,e:Un:Il!; co-.sIG.[RA~O co.DW'UR: You aareetQ make aK payments on 13, OUR RIGHTS IF YOU ARE It( DEFAULT OF THIS CONTRACT: If you are il'l Oefllult,.llfthls
~ /' fprt lhe.y,a~,;due withouLour havlQi to 1S~;lf yo,,' don'~ we',hiLiienfClI'Cll i1ur rights Contract, '" msy enfcrte our rights atcardint to law. We may abo do. the things spet;ifically
'" . r--IWU~ fOUJ!i,dvltlCf., Y:tll ifv<<- up '/'iyt/eht)'/JIJ RIIY have to rtquife tlllt!l'll mfllticlHldifl!his CoIltlllCt We may k o.l'le' of that fhingsand lit tltf sanre time Will,"''''
'~,~~~t'titll.ts;laplnsl'some othCf penon or P.fOperty b(dllrt we erdofC8 ouui&trts apiRsl Jnolher. Spme 01 thfI things we may do are thlfolowirle: '. . '., _, ,
:yati::y'ou Icree thai we m'ay' givl~up'our rIahts apin$\ some other pellOn but iIot Illllinst ,011. ":.: a, ACC[lERAlIOIt; We c.an demand that)'OlI ~ 111 us the entire UPpS'fd:balance OWing
~'YIlU W!ive tlueil.i~ In .IllIII,'oo BfdmMe$.bI5I40Jl'lJnfyship'nd~imrentllf DnthBCDnl1~MdflllJD~ FlnlnceCh~IRd atf1ermoMjGi/& Yottl!JAlC rlI"WUtl111
. kraLlrtllliltQy.OOI)O:, _L . plythl$ll'\DJlt,iousino!\e$ln1\llpa,mentlmmedllwlyupon,act:iYiniOllrdeIDand, \,'
'7:-INTEREST AFTER;MATURITYJ'AND .JYOOMfNT; Intere$l It the'rate provided in thi3 b. REPOSSESSION: We ClK(bf~ the Vehkge:Un~'Prohiblted by law. W.; can do.
iCDntna J1lfll ctnPPID iCCtW on Urt URPC" lmitrCt untif p.N in'tUu. evert.r maturity this DUnehrw. b....8" qltlllilied NfWR do it for ur.' frhaw: ~ IfY8MmtIlt~ (by tWpMvirt}
I_lor an.r'wfllf'''iurf&mttlt'qllnst ~ fo, tIlI.mounts dllt, 1fl. willappl, wtn iI the tla it lor Ull. You agree that we can peawblY eom. on to your Pt1JperIy to do this. We may
jmlturity Cleturs beCIU$8 GIacccIen.tiol\lIf It Iny tim."lilterest"as' prcvid~ for ln1thls take 8.n1 othetthlnastound In the Vehicle; but wU nlIutn these things to you it1OU'Iski'If Yi!u
',PI,.."pb i.r lJDt petmllted'b)' """..intBmf I~;" ICCru~~ tilt 11Ie!$# rtt"IIIftttd'tJI " Wlnt'UlflfthiJlfl! back. )'tUtefQmllt us 1n.1etter 5tJlt let UlbycertNled man witltin Z4
lapplClblelaw~i timt. I", ;:"..:r:w:':'; 'Ii "!!"::"lh" ",:.'~..\i' houQ..")'lIIIdafl!ltsenclUJtf'li;'lIUer,yau,&iveuli.n~cllimto~thi...,YoU..greethlt
r 8. ynnl! . C)UR SECURity INTEREST: 'You willnu!' pennit 'anyone: altiBr :~,we ",ay,use yo\Ir IlCenN plates III repOSSWln' tIMi Yah~eand lakinI'll ~. place for stora(e.
I,Ulmutlblo '& . Inte~oro1hJrtightsln theVthlde.,rDl.lnwi~,payll"fiflnlfee' ,," Co ~OLU.TAI' "fllVft"f~ WeCln UIc}O~ fa I/ve Iff ,th~'~~hie,~'f~ IIllllt~n'blY
!n~forllS\Oj)/)tIl~d,~Ill1ainl)utsecurityinte"'stinttHl'Yeltlcle. You wmlllSist us ",converentplate.. You 8rm tollvt \1$ theVllhlcle if 'Ire lJu. " .
i,mhavint"oui $8CU~'iideJW i\oted,on ~ Certificatil of Tlut to. the,\'etlide. You willl'lOl sell ,d. PEf!lY IN ENFORCEMENT: WI can de~y, enfortirll!::,~lIr ,rights unde-r th1s Conlracl
:,Clfgiw~ytheVetllcJLlf$(lmeon.,putsiflen~ntl\eVeJ\lc";,ouWl'Upa1tMobfis:ationalH( witlwvtlosmg,l/tfrifhls.' .,' j,:.' , " :, '
Icl6artht.lien. r L., (.!:aal ,'.., , . 14. SOME THINGS TOU SHOULD KNOW If Wf REPOSSEsS'TH~ VEHICLE: If Yft rtpo$SUS
9. lOUII1l"ROMISESUOUHHE VEHICLE: You ...~I kHptheVeh~ in good condition and ',withoutllSlAg'BOWfMlentoffitiallbJrt'plevin)~"!'~:' j, ' ", .
['ruPllir, You will ,pu"U tam; ilnd chatpS'on the Vehicle. YOU',will pay III ~of maintaining a.ItMICE: We will &end you a NllUee of ReP05S855lon to yt):utlut addrU$ we know abDlit.
!the'Y'hlc:le. yotfWlU.ilPllbuse the Vell.it:ltor psnnilanylhlll2 to be done'tO tli& Veticle which 1hiJ NotieIl 'fIUI tell you how to buy ~ck (fldHIll) the Veh<<'foi!'will NOT have thCI rii,l'lt to
,*11I reduCfllts,value,'lIther.thln for normal war ilnd use, 'You wil.not U$8 lb. Vlhicle for' reinstlill the Contl'llct This: m"nsYOllWill havetopaytt!etotJl balance on 1M Contract and
,;tIepl 1lUI'POStS, orofar,hi(V IIf Iiii~, 'YOII IIfrn:hQt move the Vehicle ffOlfl yOl,lr addrm mown on . Clttler wunls due, You ma,. not nt the Vehicle bacIIbJ paJlnr dellnqUllnt instillments:. Tn!$.
Ittle front of thlll ConlrllCt to . new pe/'fll'llllnt pllce of larlai~" without notif}'ine: us in Notice wilf tell yoU olber information IWuil1d b, tlw.' ,
[lIIWal\Cl. ,~(I(J..,~!:... ", 'l ',." ,.: ',' '\1" ,1 b,lEOUIPTIOH::Youhavefheriihtto.buVJbacklrl1:leeIl1theVehielewithin15daYlof
:10, YOUR PROMISES ABOUT INSUR,t.NCl: YIIU wiD keep 1Jle Veltid'~ lniured IgaillSt .flie. -lb. 'mailing o! the Noliet and at any !aler'lime before ..'sell Ibl Vehicle: If you do hot
~~eft and, c;oIlisiB.q Uf!li11!1 tum~ due: 'ls"~re paid'in ful~ Tho ill$lll'lnee eovlrage must be redeelll, ,01.1 INI up all cllim to Ille Veh,lde. .
:$ri$facb:1ry to tb'ltrd.Pratect your Interests and our interut.s at the lime of any i1'l$1,l1'$d Inss. c. SALE; If yOU don't redteln. we will seD the Vefllc;le. TbII mbnil)' received at sale wiD be
;1be IllSIIranee'QIUSl:'name1l1u"Ios$-pall("ontl1e policy. Tbeln$Vl"n~ muatbBwr1ttenby used 10 PlY (:ow and expenses ,au owe,'nd thin 10 p.)' the Imount you OWl on the
~1il:ll'I$Uf1ncemY'lZlMlliliel1.to.llb.buiiriw.lnPennJylVJfliaandrlCansedtosellins:ur!pct ConlJ1cl
;lnJba.Jktt.WIl .Y_IC.A\J1MMnenJ.IY. p~aed, The lru;uranct policy mus.t JlroVide us d. SURPLUS OR DEFICIENCY; If there Is money left. we will pay il1cl U. Bu)'er, II thefe i$
!wiOi'it~a 'lfrio'f.wti\18il n01iceIOt 1Il~ tancella~on or,f~u;tUction in covt:raea. On, not ellOU&h money fltKh the $dIe to PlIY what you owe, Suyet .nd CO.slgner allret: to pa}' wl\at
"QQmt. YOU BI1l!lI)d~i1I1ll11cj,.t ~.r evidence of Ihsurance covera.. to II$.lntbt "iJ.stillllWlllltous.
;evelltofallXJ05ler~'~foJhe'iehlcle,!~u wllIlrnmlldiately notify~in ~nlancl file., e. EXPENSlS: You agree 10 pi)'fhfUl$l$of IR~ dDrin& IlIPfhi/f& PTtptting fIIr
:praol'oflosS.~thtl~ttl'. Wi'mlyfil8 ..proof of 105$ on )'Our be~.1f if you fail ar rt:1~5elo $alt and selIini the Vehitle as may be allowed bylaw. These CO$t!~iU onty bl due it.
1dQ.'IO: We mlY~o&i: JIlur nama to ,_1\1 check. draft Ot othw Instnlll1ellt w, f8C8rve In 1. OefaUIIllceeds fifteen (15J days at the tme \If rllpoUeS3/0nj ,
;paymlllll 1)!4~1n II~ or.::retu,n Il\$"n.nce pn.mluma.'We mry _pply ,ny Insurance 2. Tbeamoamtoft(l$l$lIJIaclJJJi~ necasIll}'.ndle.1s:MJbJf'JRd ::'
,plO~eds we',,! li.t6'~ft ~r rltPflCtl,tl\e Vehicle <<,In our OpililOll.1t is a:conomically 3.Wean provetMeomVIIllrllPlld. ' ,
'fllsrble and ' nl'nDt.'.tllen'ln;~fau~."ndlr thb Coqtnct Othetwlse. WI w,lIallPIy fue
lirtsural'lC8 procIIId3 to redvcethe unpaid bflanced\le us. ' ,,',' J!,. , .:'. 15, H!ElRS AID "~ll:SONAL R~PRESENTATlVE5IOUND: ~fter ,000rdeath. tbiJConlrlctlhall
ill. OUR fUGHl%lF,1JI.lJlltEAK1'OUR 'ftOJllSEt tllAlI.T,lI;I( V;~.u'lTllflTEftEU, . ~ en(on::eab~ 'gllDstyour heirs I,,!,! pel1Ol'Ia~ ~~n~Uv81 ofyour,..esta.Ie.,. ' , '.,"
jvtN1CLE Ol INSUkUCE!'''' ~ou r.il1o u, ,'liu{,~~ !tar -liS/1Ij t9Q,ltlll.IS. liens.ot":'(l6! GOYERNrNG lAW: This ContrtctiUo be lnte.d Wcconllngld Ufe'lBw m PennJYl-nnJa. .
:1tIe com necessary to ~Jt. the Vtlhl~Je ~I\lOd ~dltion,aRd repair. .re. Mil)'. advanee an)' 17. $MlABIUR 61 I'IWVISIOffS' <<for iiny rQSOn any DIrt Gftllis Conf d shaU .beeo
' money'you P.rorfii.Nd IIlP1Y.,lJ you flill!t P your ptOmtses ~bollt"equinld lnSllrlnc:e, we ,.' . . . TiI ,ml
!mlyadv.llCd,",one"to Iltlbin inwratU coVlr lass or damllae,to the Vehicle. W6l\aWllhB llegal, void or unenforte.able. ttlat psrhhall not bll pIIrtofttUIi Contraol ,
,,;t;bolclor WbatIwr",ar. m,advlInce any moaey for these'pl,lrpllllll.':.Such intutlnte wlU'tie -"18. ASSIGNMEMT BY auYE~ BUyclr S/lill not ~ fhlsContrlct ~~
, :Ifrnited to an a1hfiri ti.dl 'irellter ~an'xou 'OWI"O/'l ,thl; '~ntiael.ltHE ',lNSUftANCE WE' 19. TYERE ARE. liD WAWNllES 'BY S~ DPItESSED" OR l.rUED; INCWDiNG THE
!PURCH~ MAY 8, SlGNlACAHm MORE EXPENSIVE BH~, PROVl,~~,Y\l~ \ESS,~~, ,WARRA.TlEI OF MiRCHA"YABlU" AIlS F1TNm FOR A PAllTle~1.AIl PDlPOSE,
,TIWtINSURiNCEoYOUCOUlDPURCl:!t.SEft'OURSElF_ I ~, . '. UlUSSWEHAVfOl,U YOUA.HPARAJlWlt,rnlWUlfl,mORUNI.ESSSELlER
We will add any mOlley .." advance on ,aur behalf to the balanee on which we impose ENTEIS liTO A SERVICE CONTRACT WITH BtIYEI WlltmUO DAYS FROM THE DA1~ OF
Finance Charges.t Uti Armull r.kitrtlce Rate Qf this'Contr.tL You 1&rlll to repay tile THIS CONTRACT.
t.~,~iH- ",..."..11
'B'.yer. Guid. Yjlndow SlicR;,,; Inhe ea' whic~ i. d,,!,,ibed p~ lhe faCe of Ih,is Con,\~.cl has a Buy.r.. G..ide Window Sticke~ ",Q.'~d bv the Federal
...J ~ade:CommISS1On.1J;e.(h~r.,Trada.eglll.tIOD:HUIe.:lllLfaJlD.winUJ)1k:elmD.lia&:'",,;':;::': ;~..:_,~~,~;:.,., "r:,"" h; JW~t:";:::,'J t~:.:._.alo:, :~.:..
;" 'II. ';>~Jh& .informati~~ you 18' on th, window fOj! 'o.r ~,h~~ ~.~!~,~ i~ part D,I; ~~iS CO".tra~t. !~f~r!'latiQn ,on ,~h' wi~~OW. torm ~~~rrides,any
"NllTlCE~XN~~dl~ER,~~:lr~g~~~~~R"CR~DW CONTliAlrr'iS'sUBJECT TO ~ll ciAiils'ANll DEFENSES WHiCH TliE OEBTOR COULD
"ASSERT AGAINST THE SEllERIOF GOODS OR SERVICES OBTAINED PURSUANT HERtiO OR"WITHTHE,:PROCEEDS HEREOF..,RECOVERY
'~E~~~~!~~R,,~Y~IPEIIT,9~:S~~ ~~T EXq~D,A~eU,!lJ~."'II,~WHE DE~q! HERE~NOER,::, " '" ;,i,~ . , " ,"
'~ ~':~.,:::~;~:..;, ", ,';;,~':, " , ,:,:'/'~.;'~ i~ '~t;; , ,.r" :: ~,~:,~ ';, !~~;,~ NOTICE O'iPIOf.O$!D C.EDlT IJlSURAJlCE ' . :" :. ,,": . ,;'~~ " " "
'>~.3irllfr~:tA thJs.CDmncl bettb)' uil!lt noJce lh.it.CrcIlP CWJit.ute Inw~RCI,P1I'NIlre Dr emU, Credit Accid,m ,lid Disabilily Insul1llU 'cowr... wW be I~ to this
\COntractff so ~"rk8d:~,Ute frotlt'at.:C9ntnct, and ~Ncti 'Iu~ty~ 'of eGlI'et.aae "III be wrjlWn by the iDs~rance c:ompany ne.med, Thi! insuranCJt'.'subjetl III aeeeptantl by the
InsuRrjl'CGYeB ohl)' Ute person or per$Ons'lllll'llnll the request fli(s'uch InsuranCl: The'amount a' d1lf1C1ls IndICated for each l:Jpe,of credit tnsur.nctlo bll pl\rChaSl!d. The term 01
)ll$W'IJIC8 will CllJI1JDeQ IS of the- d,If,]rM: indIbtldnesS'L! inCllrrH .nd wJlJ ttIN" C1~the qlnnr scIIeduJed maful'ilY q,te of tha indabfednas. $u~ to ""plana: by the insIlrer
,;1nd'within 3Y.da,s,:there,will tJe.'deU~d to '1helrl~ur'~:tleb~otl~I, ~ ,ce.rti~~ ,~'l~!anee mare ~u1JY describi~ ~,in~ranee, In the)ve~t of p~ymeRt of tile lildeblldneSli;, a
,fe:fund Of Ill$urlltCt cbal18$ wltl be madewhen due. .I'~;' "..",:, '-, '1,0' , ' " .. ,... "i" ".", "
',', ,. , NonC[:'sEE'OTHER SIDE FOR IMI'ORiANT INFORMATION.
THE PIOVISIOI( IElQ1! ~S IIOT PAlT Of,'H! 'EN~STLlAIUA MOTOR'VEHICLE tNSTALlIIENT S~E CONtRACT IElWfE" THE BUYER All 0 SELLf.R.
, , ",:"! '~1' ';,;" ,AS$ICllltfH1
TOintlUceyau,~"AsSIlIlIee"id4ntir~dontllefICeoft~isCoJiJraC'Ior~sIDlIoWs, . , , " ~.m')
10 PU~Il$lf.lhe,,,,jthin. Contract. !hit Sel1erJlefebY warrants and rlpmenb; IndlCOtltinll8! to wanunt and represent that lite uk has'beeRo'!ftadll'ln slrlCl'CIInformlty'wlllt aU appllclble
f~1I1~ itttaamJ lot~ IIlD lImftelu)'~fiI; indwJiRg. 1M Rot limited !.P. AItil:I>> 2 01 J}re i'ennsylu.nif tJji)h)rm Ccmmireill CocI" U3 Pa. C.U "2101 el~); DIIr tItI& tD lh~ CDI!-t~ct ami
the Vlhic1e covered theJtb~ 1$ ab&QIull, free of all lienS', eOcumbrsnus and security Interests, and ., subject only to the r11lhU. of th!i Bu,~r III set forth the,rem; the Conlr',ct 15 tenUIM',thll
silnatures Ulereon Ire not lorprlts. arllSll,!rom the sale Of the VeltirJe UJerein deseribed; ,.nd all~,rtiA Uwrtt, are of full '" and'had ~~l;,itj .b?,90nt~iC:t tll.. ,d~ription 'Of the VehICle
,lid flKflll Bq4Jipment b: complete 1M ""ecl; tIM cash dtwRP'ymenl.ndlor trade-in ,lIoll',nce WfIt ntuallr receiWd and ~ put thBnDl cons.lJfed wn<<e3, PO&l-dllted CMe:~ "llIfr
crtdit M~'Retd by us to Bu,er or l'tbJbl;,lIr similar Pi}'l'llents ftom lIS to the Bu,er (however mlnufaetU/'flr rebates tnaJ. ~~~.~ or .a.pa.~ ~ ttH:. d~"np.ym,~t1~ aU war!"ntl~ ~~
-;""
o
o
18/86/28e8 14!54 7668758
:~~i~~ljJdl~~Qfuct~;~r"i~i'e;;';'andour'iniem1i'it'Uie time of any insured lo$t.
The ilUlIJance mud natnlfUS IS tllos$-paYee'" on the pOne,. The insur8itct must be wnnen b)'
'",i......nce CQIIIIlt~y uaU!ied II> dHu~..... in Pennsylvan~ ,nd _sod to sell Insulin..
In.~,,;;e"'\lh#e 1, ohlclUlIl:llrmanenlly ga"eed. Thel",u"n", poIielmust provido u.
w... ~I,IPW&''4t ~...mllOil notice 01 .ny ",""~tioo or.retJU<:IiOIl io..._.. On
roque$!, lOU sI\l!I!Jd&iv"er,,1he polle; ..ether .vid.nee 01 insura... ....1I1t to Uf. In !he
'.v.nIGH!lYJ9!l..,r 9!!'\1lll' IO,!!I' V.hlelit.lOU will immedi'tely .DtIfy 1I$In writine and tile .
pro" of loSs:Withlhil'lllS\Irer:W. m.y file. proof ollooson your beh,ll" you fallorrefllS41O
do so, W. m.y 'IlftdDbi four name to any th.cIc, d..ft or other luslnlment .. re..ivo in
payment of.", insUf(l.~OS$ or:.retu~n insurance premiums, We may apply any insurance
,proqeeds we.f~V1~@pair, or r,plaee the Veh!cle if. in our opinion. it is ~onomiclllly
f.."ble .nd yo\I'IreiilOl'lh.nin d.",tt under IhlS Contract O\harwise, we Wlllopply the
,Ins,"ne. PrOCOOdsto rililuco\he li...id blllm:e due ue.' , ,~ '" ,.. ,15, HEIRS AND PERSONAL R~RESENTATIVES BOUND, After your d..lb, lb~ Conb.ct .h.1I
:11., OUR RIGHTS, If.4,O ,II., "EAK ,'rOUR' PR~,I!lISJS n,Q\l.T. WE, $~~".8.I, TV INTtRESJ.., ,,": enlon:eab!< .plnsl y.ur h."o .~~~ pe",,~.~ ~p~"~Uves.al yo~r,~ta~, ' " ,.." '
,VEHICLE OR INSU\iAitleli you lOll to keep \jour p~(b ~.y limit (it.,lt.....lie..'.. . I,\~, GIl1IERNIRG LAW: Th~ Conriol m to be Interpm"a fttllrdlnllO 1Ii,'I.w iif P."".y1va..a.'
;11i<I c:olls nee~" to llOop the V.~ ini".d eondili.n.ndrepair, w. may .dvam:e .ny , 17, SEVE1lABlLlTYOf PROVl$IONS: ft lor .nl reason any p.rtofth~Contra<:t,hall beca...
',.....y you ~ 1IMf.'R you faill. ~HP _ pro..... about teQulred InSOnln... .. '....L,. .,J ... ~ t rt .'al/"J" ~ ... "'nt .
'may advlm:efmonti to tbbiW insuf'i!lne.lQ cover \o$S or damage to the Vehide. We hIve the 1....Ii" rGlV or Illllillion;ea~ lI,a pi ;Jf~ '!'" - J p;trt IN wl$1..olI' TIC..
',~h.)ta of whelht~.r ~OIlP.adv.ni:\l.ny ",.riOy fo! \heStI purPllIe$. SUtb Insurall.. win lie' '~'llA$SIGNIIElfT BY BUYE"' Buye~'h'll not,'ssignthisCOntroel, ' '
jtimited'to ,n lIb'u.U.l'ilOaterth,~'yod '... .rt !hI. C.ntnlet. THE IN$URANCE WE i9. TlIERE ARE NO WARRANTIES 'IV $EI1EIl, txPRE$SED OR iMPLIED, INCLUDING tHE
,PURCHASE MAY RE SlllIllflwm.YMQREEXPENSMO AND i'ROVIUE YOU LESS ~R:'Gt , WARRANTlES.Of IIEReHANTABIUTY AND FITKESSfOR A PARTICULAR PURPOSE.
;THAN INSUIWlCE I'qU COULO PURCHASE YOURSEII. ' "URLESS WE NAVE OIVEN YOU A SEPARATE WRIJJE" WARRANTY OR UNLESS SELLER
"W. will .dd ,ny m.ney w. .dYl... on jour beb.ft to lb. b.lm. on wbich w. impose EKrERS INTO A $ERVleE CONTRACT WITH BUYI'R WITHIN'tO DAYS fROII THE DATI DF
'Ifinance: CIIB~ at th6' Annual r.J!hintap bl8 of thi$ Contract You tarel to rePlY the TltlS CONTRACT.
. S~ ,eat ,..,.. ",'
, . ~;ld{~:~~~~~n~:,~~~~~;~J~ W:gf:i~~~~~li:.~;~(~~~1~~ Wo\l~qUJ,~i~.'~~.V~,~::~~~,:~:~1'.Y~r'~~~J!~,~i,~~,o.~,~1~~?~,\r9.ui~~~, qY,i~:J:d~er~!
n'''~'i>''Jh'gnfOlill3tlon yoU see on tb~ wmdow fDrm for tbis, Yeblcle is part of tbis Contract. InformBtiDn on tbiwindow lomi overrides any
;~~tic~:l~~:~.fL;~igW:I;~;nJ~~i~fc~~illT ~~NT~~T';;S S~BJECT~~'~h CLAI~'S AND DEFENSES WHICH niE DEBTOR COULD
"ASSERT AGAINST THE SELLEll OF GOODS OR SERVICES OBTAINED PURSUANT HERiTO OR WITH THE PROCEEDS HEREOF. RECOVERY
HE!lE!lRl!ER BUIlEDEBTllR SHALL NOT EXCEED AMOUNTSPAID BYTHE DEBTOR IlEREUNDER.--;'- , .. '..,-:" ',' - ". ", "."
!") 1~.,~1.I!,," ~"''lI!U'''''~l,...,.",..."\,, I: ' , .. lr;' '","'.:, '...:. ',., ".. '
:';".'.':",';," ':" ",' ' ,,~:',' ~,:' ;: ,',',:....!,,:."'~;;. :-:.: };': "NOTICEDF PROPOSED'CREDITINSURAIlCE .','" ~:,:: :" " ,"
, TI)I> "lfter(s) of thia tonlllcl her.by take!.; nolica lbat ,Group Cr.dtt Life In....ne. .'''nlge.r Gro.P Credit Attid!lJll a.d Di$lhijily Insuronte to'arae' will be .pplI~b1o t. this
-f-OntnK:l if so !'larked og, tba front af ~ii <ronttlet. ami each such type of coverai;e Viill be. w.r1tten by the insurance company named. This. insuranCe. sulliect to aeceptance by the
!RSlIrer," COYef1 ohly the 'person o'r p'erions signina:, the request for such Ill$urance. The amount:of charge is tnditated for tacb type of Cl:edit Insurance to be purehased. The term of
,nsuranee.;wID """",,enee as of tli<l d.le iii. indebl.~neiS ii'lntilrred a.~ willelpi.. on th. origin.lschaduled m.luritl dati .f th.l.debl.dn.... Subject II> .",.planet by \I1tIln",er
"a~,~II~In. 30, ij.w.,lJiOr..Wi11 be d.llver.d \l! j~. j....rOd 'd.btorl') . ..rlifitOte of inSUlin.. more fully desuibil1ll tho In"'nlne., In tho ,...nl 01 prepaymant .1 \I1tI ind.bt.dn.... ·
iifurulmiilSillna"cliliedwlllblmadeof1endue, ", " ' ..' '",:', ';: ..' ' , ", ""
, . ,,' '
KH FORD INC ' PAGE' 85
c. SALt.; ItyOIJ aon'treoe'III, wt= IIlIl_. UIG 'GIIIY'.... .o... .........., .~_.." .. ~_.- "
used bi pay costs an4 eXpeBSK jOU owe. and tben to pay the amount you owe on the
Contratl .
d. SURPWS OR DEflCIEKCY: If \I1tIr. is mD/ley left. we wiD pay 1110 tli<l8uyor. II \hera is
nof .~llJlh money from lb..." to pay who! you ...., Ruyer .nd eo.Sillner agr.. to pay wb,t
Is .~lIawad to UL '
.. EXPENSES: You .g...1O p,y the oosIS of repossesslne, stori.g. ....Iring. p"..ring lor
"" .nd "lIing lb. v.hiclo as "'" h. ollow.d by IIW. These tolls will ..Iy be duo it
1, Def.u~ ...oed. fin..n (IS) d.y... lb' time 01 repo,,;ss/.n: '
2. The amount of costs are actual, necessary and reasonable: anti
3. W. ean plO..1lle tolls w.re p.id.
:JP.U'" ,':~";:J'd: . ",., '"':"_\, .. ,,;...... ' , NOTICE:,SEEOTHER,SIDEfORIMPORTAflHNFOAMATIDN. '.,,,, '
" cr TL';~;,. THE,PROVISION BELOYf IS NOT PART Of 'HE PEliNSYtVANIAMDTDRVlHICLE INSTALLIIENTSAIE COIITRACTBETWEEN THE BUYER AND SELlER.
'~'?' ~b~.' '" lX"",/I., 1;;""<",,0<,, ',A$S1,GNMENT '
,:\,", To indUCOlOu,1he _II'!." :-i1IeQtilijd,pnlh. fico D1t1ils'COnlt.'e1'e"ii.II.w.,"" , , ' (N.m.)
to P~.IJi~~*rwi~ IlODI{oCt. ,~se',iJ!l! ~omby w.rianlS .nd rep",,,,rs: ..d.CDntinu" to w.rr.nl,"d I!'l!"sen! 'h~t lh. sa" hlS:be.n rfla~,; in Ob;.t canfDnnily'wfth '.11 .ppli",bl.
,1.daYol; ~ .niI_low. ind-mgiJIIlicins,lntl.dl.1, but n.' hmtt.d 10, MI,ra 2 .f lb. ronn"I"", urn!.nn COm.......1 Coda (13 P.. C.SA 552101 at ""I);.Dr UtI; to \he Contract .nd
lh. V.hh:1. co"red th.reby is .bsolute, fr.. of alllia... encumbran..s and $8turi\y int.rests, ..d is subi..lon~ 10 \I1tI righls .Ilha B.y~r .. set I.rth fJ1.rain; tha Contract ~ ~uin.. \II.
, signatp.r~ lb.!".n .rellDl forge"", aro.. fromt~. ..1..1 tha Vehiel.1llerei. desori!>,d, .nd ,11~rti(I1! 1!1."iQ am .If.II'g. .nd had !;I",~ilY_I1!',,"~'ct; th.a d!~riilliD~'!it tho V'~ltla
'. and extn:lqulplllllnt is complete and correct; the euh downpayment and/or trade-m allowanee W6r8 actultl)' received and no part thereof consi&tetl ot no~ past-datetJ checks, other
~illllYil\l<Olll>Y.'!!li:to Burar $\ ~b,~llIf similar p'F,lonlS'from ~ lP ~ B,}'ef (ha....r ",anuleoturer ..b.tes mty eopslitulo.U or . llIrt 01 the doivnp.ymonq; .11 warronij.. and
S\lIlil,"lil1i'iti!1l!i~'iil'i"'e: I",,"-IS Dwilil,~re6lr'thl Ain.llili FlnBIICfd P1ur'tnloresl.ot'l~'e ~j(.arP;;~ritage' Rate of thi COntioct' set fdrtti lIi.tei.; w. ire duly licariald under iti.
, ,Pann'Ylvania, ~r V;hi!:Ie,~,fina"l'O,~ct .n~, hayo dUly tDlllpll.d with aIIIlQ.irem~nls th.re" with r..pact to lbe tran...ijon .rid wttb the fedaral Tl'I/lI>itt.Lending AoI..d with ,ny
joUiet fetler,r PI. state.ta'w;'rule or'r8lulaUDJi applicible to this Contract;'1 motor vehicle liVe certifteate: showing I lien or el1C:lImbrance in favor of Assia:nee has-been or wid be applied for
"p",li;pUr.:~ ,igis/iBlioll of,lht'~.~~. b" qoI hien'..;pendo~..d lbe $cllir ~nowI,;1 no f.dS whlth'm,y resullin lb. ,"SIleosion ~I seid r.gi.t..lio. under lh. P.n..~v.ni. Motor
, iY.~itlo r..;,;oiil ilesPOnsibllity Ao/:'I\!8 \iuY"(') n.m.d I. the 'wMin Contra,l it (om) parS.n',11y known t. tIl. S.lIer io,b., the sam. Idontka' pe~nl.) w~... ~gn.tur.l') ~ ('''),alfl.id
, i to this Contract and Seller has no knowledge of facts impairing the Validity Of valu. of the Contract. If any $ucb wamnties Ot repreSlntations should' be breached at any time. Seller shalt
1 repurcha$t said Contract from Assignn, 00 demand. and will PlY therefor. in cash. the amount owing thereon, computed .$ stt forth below. and said remlJdy ahall be cumulative and not
, i"'tIU~V.; 0'!4 ~all not a~ .ny ether right ",'rem.dy tt>al Assigne. milht h... at I.!' or in fquily .pins! Seller.lllth. ...nt th., Buy" fails or ref.", to m.k. .nY.Plymenl duo
I~.reunder.o the ....rlion, lithlr .,..1 or wrl\1lln, lbat th. V.hi.la ~ def.ctive, nol.s rapr....1ed to the Buyor by s.U.., or th.t S.ller r.fu... to honor any w.rranly or'""".. .ere.m.nl
"Scller or manuf.cturar. Seller .erees !h,t on b.llIg .dvised' by Assign.. 01 ...h el.im 01 Boyar, $eller will ..purch.se the Conlraet from ,AssielllO and p.y Aasig... for sam.
,biiniedi'!illy.ill'aeeordanee willi Ill. repuidi.se t.nnl.et larth b.low",nd s.n" lurt~ar,lIlretl t. h.1d Aasigne. Nrml...from...y .lbar elaim. 01 Ruyar,lncluding attorn.y.' f..., to>lS
and e'pense.$,lncurlld In defendiJlloealnsl tlOiml ....rt.d by BUlar.nd Including tl.im.,loua!und 01 paym.nls mod. by Buy.r to Aasignee. 11,\he Sell'r contract.to putoNse prop.r1y
msunl"'" on bthan Of the Buyer; alld thallosull"'" i$ ClneeJled oll/ll insolln.e .omp.ny prlo1l..m .chedllled "pJlIlion d.t.. $eller will'\lemJll 10 pia.. tOn1par.blo .o."oge wit~
lnother. insurance CGIliPIRJ on .,.half .f the: Buyer. It SeUer Is unable to do so, S.II~r Will notify Bu,e.. anti pay tD BUyer any additional eo. incurred' by the BU1er in obtaininc
replacomenllnsuron",or lb. unupi"'ll period 0I1he .riginal illS.nln.. polley, 8y d.llv..ing this Contraot io the AssIgn.. ond atteP~'e'paym.n1 for it, Soller authori,.. the AssIgnee ID
..mpl.1o or correct lb. identif...lion ofth. Aasil'1aa'in this Assillnm.n1 ta refI.tt lb.lru. As~gn.. who purch..... thi$ Conlnlet, .nd/o, ,to Ilign Se.lle(. ..malO th~ Assignm.n~ without
, recou..., K lhe AssI~",t has b,.n d.IIv...d with.ut S.u.(. ~gnatute.
," ,1~,lhe '..nl that te,nar ~ ~u~ bY,th~ Aaslg~m..t,to "pvrch'!. \I1tI Contra'! .nd/or V.~ltlo; ~II" .h.11 p.y, to Assign... in~..h, Ihe, lu~, !np~id bal.nea 01 tho Conlrlct.. 01 t~.
date of repurchase, Plus Iny then earned Fi,nance Charie il\tj any end all casts and .expenses paid or incur~ by Assignee in respect t~etelo. mduding.fusonablll: attor,neys' fees. in
COl)Pecrtlolt~il~tIa,i,%byor.gowonYB,uyer,Ow..r'[l!Or..naln,po"'''~o1tl\.V.~jil.'ndlorbY.llpins!SeOo~J, -, ,".'.'\t,', ..'... " '''' ' " ,',','
, ., fo? talUireoiiVed; s.iliB'r,lleio;;y s.llS.'as$ig.. .nd 1Ia000elS ~nt.1Iie AssIgII..r1li 'UbWSois'ndassi\l,Sj lhe'wllllln....ntll.~ I1rm.ne;s due and ,to'blfOm. due ther.under, lnd .11
riiht. title and inter-. in and fit the V~icle therein deacribed, with full power in the Assilflee in its or our nme to bke luch lepl or other action which we niSin blve'tlken save for this
.. Aasien"'..~ VntesJ Sill'" lOa'" liIher 01 !h. end....mant. b.low. UlIld '''W.ITH FUll RECOURSE" or "WITH REPU~HASE,,' S.Uit. usIP.Jm.nt .~.II;,~...pt for tb., provisio.. .f Ih.,
" S~}rru~~~~=:,~~::ddhiin.tD 'the ,ungiaph .tOri"IlUid ~As:Jiinmlni" ii thll'8VIl~fol'~~:bi ~~e~j~;;:i~~~eni~ri\~e-~~kJt~~lr~f~t,t~
, InsIlOm.n1 pay.bIe Ilnderth. Contract ..In the plOmpt'port.nn.nea ..,.11I' athar,.bllptioll'lO be,perionn.d lUlII.r,lhe Contract by Bu,.r, S.I~r will, on d....nd, by Assillllet, I.rthwith
, repurchase !be Con~ flOm AssiIPl.e for a repur(:hase price. I" cash, tGmpuled ai $d forth above, ' , " : ,
.0 WITH REPURCHMlE-5ttlllr _tho\, in .dditl.n to l~e previs/.I\S oI,lh. p.nlgraph obo.. tiUed "Aasignm.nt," in 1lle mnt 01 any delouK by Buyer w~ith .h.lI.nlltle Assign" to
noPO..... \he Vebh:1.. $ollor wilL. th. Vehh:le is ..p.......d by AasiJll1" .nd d.rlY.red 10 Sel"r, and witho.t regard to the th.n c:ondm.. of lb. Vahltl., forthwith rapurehw lb.
Corilraehnd the Ye~ide lnun AaslPee lOr. ..pun:hase price, In ""h. ..mpuled ""'"orth .bove.,' ". ' "
I!y signlne b~ow, ... q... to 1II. tanni 01\11. Assignm,nt
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18/18/2888 15: 89 '7668758
o
KH FORD INC
PAGE 85
. ,
JWL.. ....' __'.._ ....'1 ..
AssIgnment
Agreement
1/GIIS8IIOId~
INACaIpl~
\~~
TI1ISABllQIIIllenllf 8ltatI1ed to and ~ made a part of \Ilat cerlaIn Mo\Dl Vohlde ReIaIllnslallment COntract
(lI1..CoI\trIOt"}dalId 1(-1<>'"'' ' byfl\d bllWMn:
6el1erlO~p):h.H F?>d. Buyer(S):D',:'e\.o.." A-tJ~~\.a ,\o(Q'fdo
---
ilia fllqI/'eSIl)' lIlIderstoocl and egn:ed that HOlJIl6l1OIO AutOmOllve FinanCll CDtporation (lfAFC) 1$ SUb$lllUlld 1ad1
IlJld IIYfl(y ftne ""'ere lhe name
f'YUU
~
eppowa wIlIlIlI tho ContnlCl
, ,
FIll' value race!vad, Saler heraby apreaaly selle, wlgns and lI'enalelt 811 or Seller'll righi, tilJe and IntellSlln lIl8
Can_In III IllllI\IeI llIe lIIId III b-. duIllher1lnlar, end in I/1l! 10 lhB yehlcle and 0lll8I' prop~ II1d IICUl1l.Y
, In\ftlla dllSGIlbed thenlln. \ll1tAFC and/or lis aulltesSOls. _gns, Ulriillar1e8 anlIlflilIallls. All rlIrneentatiollS,
werranllet,1mIernnillc:allon'a,lIuuantie8 wi hold hannlUS preYi8lO!l$ made by seller In 1118 CoII1raQt. 8l1ll all
othertl1'llll of the wignmlllllllOll1llned lherdn, are hereby made In 1aWf' Of llAfC.
This Mal1J'1menlIP1cfficelIy Inr./ulles, bUt l3 not Ilmlled to. aU righI. Utle lr1d In~ of Sellar In any Irl8\U'allC6
poBc/es encICllher plllducfs (lIlld fIB proceeds lhereoll puidlued. andat8cd or abIaIned by $8Id Bu)'lll(I) II/ldDf
1l1e1enna 0I1fte Co/lhct. Thl8 kllgnmlntspeclfi~fY Includes III rilIhI.llU, and I~ DI SeIter In and to lhe
vehicle, efIy properly. cell\100llll' sllCurIlV lnlereat dallCl1bed or pnll'idgd fOt In iIle COn1I'acl
NalWIIhI!llIldInc1 ~ 10 lhe CQtllraly OOIIlaIrmd In the Ccnl/'\ICI, lhisA88igllmen~ upon _utIll11 by Saller.
8"-" tulQllllellfl"l rliIhls In the Conlral;l to llAfC \lnd not to any wignee(s) namlld In the Canlnll;t. This
A$lWnmilllt shell not be deemsllD I'l!IIBVII SelIlr from 8llY lIellilil)' b' till brlIBch .f 8llY WI/I1II'I!iBS, reprBSllll1atlcna
or agreemenb contained herein QI' In the CcInlrac\.
SeD.r-DllIlIershlp (pleue PrinQ:_I< ~ 1-1: f%::.n:J
SeIlIl"8 AQenl (Pl.... prlnl): T4m Y>1.L/ KOO N.$
SeIer" Slgnlllure: ~ 1LoQ:MJ_,
nul of Agant: bi-i-CcL-(J1.J.j{oJ
Oate of Ass1Qnmlll1t II - IIJ. 22... _
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18/89/2888 17:18
'7668758
KH FORD INC
PAGE 86
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Date;
Funding Department. Return Contract
r;'/07/99
Application Number: 22483697
Dealership: WEST SHORE KIA
Attention: RON LUYSTER
~I
VI
Customer Name(s); KAYDO, MICHAEL
Per our discussion today. the above named contract package is being returned to you due to the
deficiencies noted below;
INCOME DID NOT VERIFY AS CLAIMED CAUSING DE~T RATIO OVER 50% AND
STRUCTURE DOES NOT MEET HAFC PROGRAM GUIDEt.r~S. (NO CASH DOWN OR
TRADE EQUITY-WAS A "WASH")
~,-:::.'~
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If the above deficiencies can be corrected to meet HAFC program guidelines, we would be happy to
continue processing this contract package. Plelne note: Insurance, references 11M clIstomer contact
may not hllve been verified.
Please remember that payments which are due or become due within (10) days of resubmitting this
package must be included. Also remember that Olll" contract approval is valid for (30) days, Contract
packages that are not funded within (30) days of the original approval are subject to re-approval.
Thank you for YOW' business. If you have any questions or if I can be of further assistaJl,ce to you,
please call me at the phone nnnlber provided below, ,
Thank you,
HECTOR TORRES EXT 6683
MANAGEMENT REVIEW
800-794-6310 888-893-5222 Fax
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85/25/2888 1~:28
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7668750
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KH FORD INC
PAGE' 10
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85/25/28l'18 13,: 28
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766875l'1
KH FORD INC
0;
HOUSEHOLDAUTO FINANCE CORP.
P.O. BOX 17902
SAND/EGO, CALIFORNIA 92177
Registered Owner: MICHAEL ANGELO KAYnO
Vehicle Description: 99 FORD TRUCK
Vin: IFTYRUV7XTA56U9
NOTICE OF RELEASE OF LIEN
We release our interest in the vehicle described.
ADRIENNE POLANCO
TITLE CLERK
STATE OF CALIFORNIA
COUNTY OF SAN DIEGO
SUb~;~"""~="" ':"'~ "",of 7luy-, ,2000.
__^....n
Notary Public
J~_.-~=--F
i.', , CclnmIsslan#1116361 II
l! . NoIayI'ubllc-CCIIImia ~
~ ' San Olego County [
My Comm. Exptre5 Ncv 11. 20'"": /
- - __ ~ - - - __ - - - ;.,..a.
9
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. PAGE' 89
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85/25/2808 13:28
To: WEST SHORE ~ ,
766870
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KH FORD INC
Prom: HOuSEHOlDMAN 16100619103
..........'1
, PAGE. 88
5I22JOO '~:lI:Ul:I ....ge' Of'
... ,~.,
\~~~.,.." TO WHOM IT MAY
CONCERN HOUSEHOLD AUTO
FINANCE IS NO LONGER THE
LEINHOLDER FOR A 1999 FORD
RANGER VIN
1FTYRII V7XTA56129 TITLED IN
MICHAEL KADO NAME ALL
LIENHOLDER INTREST IS NOW
OBTAINED BY WEST SHORE KIA
THANK YOU RAY HORENSKY
RAFe
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1668758
KH FORD INC
PAGE 82
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lI"\ "'ED STATES BANKRUPTCY CQIiL T
MOLE DISTRICT OF PENNSYLV-'A
INRE:
MICHAEL ANGELO KAYDO, SR.
LISA MARIE KA YDO
Debtor(s)
CASE NO.: 1-99-05526
KUHNS-HARNISH FORD, INC., t/a WEST
SHORE KIA
AUTOMATIC STAY
Movant(s)
CHAPTER 13
MICHAEL ANGELO KAYDO, SR.
LISA MARIEKA YDO
CHARLES J. DEHART, III, TRUSTEE
Respondent(s)
ORDER
,Lt~'D TlM~arrisburg, PA
=- A.M. . P.M.
AYe - 92{}[)O
AND NOW, this 9th day of AUGUST, 2000
.S. BankruN",-, C
1-'q:;y Durt
0_
,,>,. getk
IT IS ORDERED THAT;
1. Within FIVE (5) days from the date of this Order, the movant herein shall serve this Order and the attached
Motion upon the respondent(s) and, if appropriate, upon the trustee, and shall file a Certificate of Service with this
Court.
2. Within FIFTEEN (15) days from the date of this Order, the respondent(s) named above shall contact movant in
an effort in good faith to resolve by agreement the issues raised by the Motion,
3. In the event the issues raised by the Motion are not resolved by agreement, the respondent(s) shall answer the
Motion within TWENTY (20) days from the date of this Order, and upon being served with such answer, the
movant shall contact the Courtroom Deputy at 717-901-2800 to list the motion for final hearing, Ifno answer is
filed, the movant may pursue a default judgment pursuant to Federal Rules of Bar1kruptcy Rule 4001 (a)(1), 9014
and 7055.
Section 362 (e) ofthe Bankruptcy Code specifies that TH1RTY (30) days after amotion to terminate
the automatic stay is filed with the Court, the stay is terminated unless the court orders such stay continued in effect
pending conclusion of, or a result of, a final hearing. Due to the procedure set forth above, preliminary hearings
shall not be held, unless requested by movant. Furthermore, due to the scheduling conflicts and administrative
considerations, the date set for a fmal hearing may not, in every case fall within the SIXTY day time period set forth
inthe 11 U.S,C. Section 362(e), Accordingly, ITIS FURTHER ORDERED that the movant shall have TEN (10)
days from the date of this Order to object to the continuance of the stay until the date set for the final hearing,
Absent objection, the movant's right to strict compliance with the time periods set forth will be considered
WAIVED.
BY THE COURT:
~~.......r~ iY~
ROBERT J. WOODSIDE
CHIEF BANKRUPTCY JUDGE
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NOTE: PLEASE RETURN ORIGINAL PLUS (1) OF CERTIFICATE FOR THE COlIBTS {tSE
AS
CHAPTER 13
CASE NO. 1-99-05526
CERTIFICATE OF SERVICE
I,
of**
certifY;
That I am, and at all times hereinafter mentioned was, more than 18 years of age;
That on the day of , 20 I served a copy of the within Order together with the Motion filed in
this proceeding, on (name and address):
the said defendant(s) in this proceeding by (describe here the mode of service),
1 certifY under penalty of perjury that the foregoing is true and correct.
Executed on
(Date)
(Signature)
**State post office address
:Jill,Jb'"'' , Jil.t "JIll.lJL!U, , ,','" ,,"~"",'" ",,"", "
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UNITED STATES BANKRUPTCY COURT
FOR THE MIDDLE DISTRICT OF PENNSYL VANIA
Inre;
Chapter 13
MICHAEL ANGELO KA YDO, SR.,
Debtor
Case No. 99-05526 RJW
KUHNS-HARNISH FORD, INC. t/a
WEST SHORE KIA,
Movant
v.
MICHAEL ANGELO KA YDO., and
CHARLES J. DEHART, Ill, Esquire
Chapter 13 Trustee
Respondents
ORDER
AND NOW, this day of July, 2000, upon consideration of the Motion of
Kulms-Harnish Ford, Inc. ("K&H Ford") For Relief From the Automatic Stay, it is hereby;
ORDERED that the Motion be and it is hereby GRANTED; and it is further
ORDERED that K&H Ford be and it is hereby granted leave to repossess, retain, sell
or otherwise deal with the Vehicle identified by serial number IFTYR11 V7XTA56129 as provided
by the Sale Contract which appear as Exhibit "A" to the Motion of K&H Ford; the Uniform
Commercial Code, and any other applicable law.
Dated;
The Honorable Robert J, Woodside
Chief Bankruptcy Judge
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UNITED STATES BANKRUPTCY COURT
FOR THE MIDDLE DISTRICT OF PENNSYLVANIA
Inre;
Chapter 13
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MICHAEL ANGELO KA YDO, SR.,
Debtor
Case No.; 99-05526 RJW
KUHNS-HARNISH FORD, INC. t/a
WEST SHORE KIA,
Movant
'.
v,
MICHAEL ANGELO KA YDO, SR., and
CHARLES J. DeHART, ill, Chapter 13 Trustee
Respondents
MOTION OF KUHNS-HARNISH FORD, INC.
FOR RELIEF FROM AUTOMATIC STAY
Movant, Kulms-Harnish Ford, Inc" t/a West Shore Kia, by and through its attorneys
McNees, Wallace & Nurick, hereby file this Motion for Relieffrom the Automatic Stay and in
support hereof, avers as follows;
1, Movant, Kulms-Harnish Ford, Inc, ("K&H Ford") is a Pennsylvania
corporation trading as West Shore Kia and doing business at Box 1177, 6320 Carlisle Pike,
Mechanicsburg, Pennsylvania 17055. K&H Ford is an automobile dealership,
2. The Debtor commenced a bankruptcy proceeding under Chapter 13 of the
Bankruptcy code on December 28,1999, at Case No, 1-99-05526.
3, Charles J. DeHart, III, Esq. is the Standing Chapter 13 Trustee ("Trustee"),
4. This Court has jurisdiction of this matter pursuant to 28 U,S.c. gg1334,
l57(a), and the Standing Order of the United States District Court for the Middle District of
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Pennsylvania referring to this Court all cases under Title 11 all proceedings arising in or related
to a case under Title 11.
5. This is a core proceeding pursuantto 28 gI57(b)(2)(g).
6, On November 16, 1999, the Debtor executed and delivered to K&H Ford
an Installment Sale Contract (Security Agreement) ("Contract") granting a purchase money
security interest to K&H Ford for the following Vehicle;
1999 Ford Ranger 4x4, Serial #lFTYRllV7XTA56129
7, A true and correct copy of the Contract is attached hereto, made a part
hereof, and marked Exhibit "A",
8. The Contract requires Debtor to make 71 consecutive equal monthly
installments in the amount of $469.62 on the 31st day of each month, commencing December 31,
2000.
9. The Debtor is in default under the Contract for failing to make any of the
monthly installment payments.
10. The Debtor filed a Chapter 13 Plan dated January 27, 2000 in which he
provided, at paragraph 2.b. that claims of secured creditors shall continue to be secured by their
respective liens and shall be paid by regular payments outside the Plan.
11. The Debtor has not made any payments to K&H Ford pursuant to the Plan,
or otherwise.
12. K&H Ford is entitled to relief from the automatic stay for cause, pursuant
to section 362(d)(I), because of Debtor's failure to make any payments to K&H Ford under the
Chapter 13 plan, or otherwise, and because K&H Ford's interest in the Equipment is not
adequately protected.
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13. The Debtor does not have any equity in the Vehicle.
14. There is cause for K&H Ford receiving relief from the automatic stay so
that it may take possession of and realize upon the Equipment.
15, By virtue of all of the above, K&H Ford is entitled to an immediate lifting
of the automatic stay imposed by 11 U.S.C. g362(a), and to immediately repossess and sell,
transfer, convey, lease, liquidate, retain, or otherwise dispose of the Vehicle.
WHEREFORE, K&H Ford requests that the Court enter an Order;
(a) Lifting the automatic stay as to K&H Ford with respect to the
Vehicle;
(b) Allowing K&H Ford to repossess and sell, transfer, convey, retain,
lease, liquidate, dispose of, or otherwise deal with the Equipment as permitted by the Installment
Sale Contract, the Uniform Commercial Code, and/or any other applicable law; and,
(c) Granting such other and further relief as the Court deems just and
proper,
Respectfully submitted:
MCNEES, WALLACE & NURICK
BY~
N e . c 1. Nissl;;; Esquire
Attorney ID # 44233
100 Pine Street
P.O. Box 1166
Harrisburg, PA 17108-1166
Telephone; (717) 237-5357
Fax; (717) 237-5300
Dated; ~ /g I DD
IN9
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lb, emount~u Will hilY~d afte~you ': Thi'total .
havemadtad.sahecluledpaymems: eradlt,;frlCIud
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,.o.ofPamenf!; AlPount~fPaymtlllb.'1 WhItlJlilymell1SArtOue Jlurchased. ,.'., ;', ,::',l"';.'#I,' U .~"'. ,,'u
$ ',' .....MdntN'. "'.in" .,' ',,-..., .:.~..r.,~.i.lJ~\fo'~C14:1l:l'.tl'.
$ ~'i~("K" ,~' '1,1'1/ ..... " ,~.~~.~e,lryou,p~.~II..lf.e~rly:~,,~:~.~~~~~~~z~~~~J~t:~
Firoi,J,~'f" tt:'.nn'" ".'."',:" ,:,ll':""'l~l. ,:'<c:"r~I;"I. . J!J"\lmlt~i';lnI4' .
..~~_tc4 pa~isfJte.you will,b8c!tatl~,~~of,tiie'~rtion ofthep.YJnIniwblc!l kla\1ffll~,~,~~~:'W.~;.~.~..~~~iate;'tii.n lD~a~~ .
S;I! billow and an~ a~! Cll~ ~u~::~ ~~.ilI~J ad~~BaIIBfMlll&tlo~ lI~ut IlOllpaym~ d;mLllt, In!, ~equl~ repaY'"Ilnt.~ full befo,. tile seIleduled'lta ., ,.' ", . .,., , I
reftltKlliandp,,,- , ',' ...:;,oO..;.'!, =,:-..\",:,',,"".',.,' " ,.\ _.1' 'l:->\>,'i"'t. .A:~.~,.
I~ 'th~ Cini.." X1lIINS IWINUlI vORO 1m: iFYDiJ:oil NO'r'1.IEET YOUfe&"I!iAAcI
we.m' '08UOATIONS; ~ MAYllISElIllCIoIOTQR
tho SELLER. '6$20 eULISLE PIKt IlECHAlIICSIlURG. PA 17055 v,Hlet, AND fROfERlY JHAl"YOU
, .,..,N.... . .. Add""n. COd, BOVi!!j1 WITH THIS ca,HTllAt!.IM!DIOR
' ' . , MO~,ONDEPOSITW'IHIHEMSlGIl,E
You are MICHAtL ANGELO I(At~ 6 INDep~:IDE:!C~ r.!t ~ !:0~r~; S?~:::,;:l :~~, 1";~t.5l'bisCantrac:tlsbetweell5eJerand~.AlI
\h.8UYER(S). , , ,,-...."""made~!IiIlil SOI1o,
N.m'~l Add'o=(..1 n. Cod,(~ _'1o""l11...COnIi1!lit..1IJt~,
If there 1& mal1l thiln OQ8 Buyer, each prom~s, "pmty and toplhflT.1O pay all $lIms due us and to ptrlorm ~dl \lgreementsm this: ContD~ Itemization Of AniOurit ,Jnuced
Cash Prlce .. .....: )~~'f' r ,'/ ..
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CtI5lt OOWRll&ymtnt ~: IA r,nil:n "
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Value mTracle-ln' ,~.', '., :iq~I~.
$: , : :I~I ..~.," "
. ,113$0. 0.0. ,~:. 'om:'
Uan Payoff to ;JD'D-YPii'ir"""'t
, .' oj l~'l .~\'
Unpaid Cuh Prlet lIalaDe. '.
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10 Credit RSUJiftCf CompaAy
$ '.'... '. ,r.'l d'
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85/31/288~ 16:11
7668750
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KH FORD
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,!' ! .QTO~ V~M~C~E IN~~!,LM~NI~~L.~~O~~~cr, '
, " I' .Art"il~" wort b"""" 'fIN~liCE'O~' ,"'
PERCENTAGe RATE CHARGE" ': ,,,,
1h! CMlofjaurctedltu' The dollar amounttl1e' , ~
ilyurlyQlW. c.redltwill t6!I you.
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'Amount fina'ricea I!:\!,"" 'l.ll'
The arnoufltof credit provided '~
towuMon,ourbelt.UI. .
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17.95
% $ 13311,11 '"
$ 20471.42 '
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TAADE.IN:
Yo. h'''' ~.d.d I. 19^9 fOlD
Uletol\oWlI'lgvebitll1!': ';po
YearQ1dMake: .Descrlptlon
It a b$IlCe is $IiI1 owing OR the vllf1i1lle JOIl ttave traded in. tba Slll1llr wiD JI.IIY off t1ii$ .amount on)tIur behatt. You wa<<ant and represent to us that
In, fTlde-ln isfnm fnlrn lien, tfalnJ, IbltumbBm:e or ~rtty interest IICIIptauMwn in the ltemizatilln oj Amtiullt Finaneed utile 1.lflll P.ayDft.' ,
PROPERN IN$UUflCE: '(au may choose th, ;e!lOR lbrOue:1I: wht:J1'I'I inslirl!nc:e: Is,obtained qalnst It:Jss: ar dimige to'the Vehicle and qaill8t
l~biIitV lI,rfsfng minf use 1M ownemtip of tt1e Vl!hie!!!. In this Contract. VOU art, pltmi$ingto ipSUrt mil V.hltIB and llee'p: It iMured.
CREDIT 'INSUaAftcE 15 NOT IttqUJRED: CQdlllife Insuniilce and Credit Disability InsuranclI aUlllat requirfl! to 4lbtain Credit. and ..m
nllt Ill! prvvided,unless you PRn below and'lgr&EI to pay't/te Idditional cost{~. ~rease read t~e NOTICE OF PROPOSED CREDIT INSuftANCE
on th. reverse $id&. ,Your itla:urance certificate or policy will It II yo~ the MAXIMUM aMount of ill$urance ayailable. All insurance purchased
will bfI:wrthiterm of the credll
ay;ignitlg.yuu~SlnKfter8dltlJlelnsUJlI~
which cosIs $ Ufa
IANG&1
What is )'OUr By !igninlJ. you .$8fec1 Sing/e Credit Acddent &
apl_ YilU& He,1ln IMurallll!, which ~ $ N)A
Wf!lIlisYlIllr
age!_Ytars
SignalLlreGfBurertoDainsuradfor$1n&leCredllUftllnsuraDllll
8)' ll:iG:nilll!. Yllllllotll alet:tJoinl KIA What ar"
(:redit Ufe lMUf1ntl. which ema $ your ales?
" .S1plih1l'ltofB\lyertobeIMllttdfarSingleCreditkdoentIHYlthlnsulfte
Dyslgning,YOUDOlllselDctJeinlCnldi\ I Whatare Pereenttgt
kddent&.Hnllhll'l5Ulilnc:e.whicllCll5l$-$~ )'OUJtit$l COba
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SignatUl1!sol bottlOu,mIa beiJl!uued fO~ JotntCttailUre ItllUrance
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S1KMtt1~DJ bath8uyers10 be lnmred flll' Jaint
CnKlitAecklent&HealthIMurallCtl '
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VEHICLE: YOu hive agreed to purchi1$it. under the lemlt of mil Conttact, the fo.Uowing motOr vehiele IRd its extt1equJpment. whleh Is calhld
Ihe "Vehicle" In thilCOntaot. ~ -,,;0 ;"'" 7, .... . .
lltIl YmJlUl_ __lMo 1J>..cn ItliJ:J!Inolla.oi<ilJ< ~1:lJimIlJu
lII;liI ,~~'1~ rOIlD RANliEIl ".., 4X4 ..' ,6, 60500 , lrTYU1V7XTA56129
Ea.fDp.. A.T, P.S, AM.FM SW... SSp..' 00"
with At. p,W. AM-FMT,pe ViIlYJ1~
ASSIGNEE: We m~y assign this (:DntrlCt and Security Aertemetrl. to iI ~es tinlnce company whieli i. ttle -"AsdCnee." If tlJe Aulanee ~
the Contract 10 a liubseque~ assie:ne, tfle lemt,.b:ll ,.1,($ to sucb SUbteque,nt a=lanee. After ttle wlgnment. all n.nts: Ilnd JJenefits- of the
Seller In lhi$ COntract Inri in 'the Sccurll)' AttallmeM il\aU belong to Ind,bl tnforeetble bY the Assign... the As$Igrtet will notify you when
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hym.1I1 Schadirl. - t.u'.irti'to ~IY
to UI thl Amount Ananee412hi1 UlNnttia
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any.i:IdHllisfrll'lnl!DlIM,dlIrn,$IlCIJlllbrallcurtaCU .....-llMMhImirrlb,aUIIlIlUIltRruneadAtll&,"UM,PayaH;:. '. YaIue'lt.Tddlt-lllhll'l'fll Illn <:, 1"1~1'~11ll
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IlDtbt;lItl1lr~II,,,,.WUlllli.beln'udQIICI'1opyt/le_IIkrIiiI.cc.tt(s}.l'ItIiirmtllJHOTICEOFI'IlOPOSEn'ClWlT-01"$URlHCE: III I',:. h' ". ....s
lIntIiiRme'iIdi. YoiitlllSuranc.,,,ltIfIc'atIar pDIlcywIllQ(lytlUtII'~IJ!-,.mellfttaf'lMllrlln~avlillbN..A11lrilDrrnCt~ill_1l1 n~ld1luba"~.ntY:..!h. 'fo'Wl!t 1\1
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B'....)'GUuIBlIISI\IlICnldiIUfltI~_,WkIiJyeuf':. ".8...sipinIoJO\llllel;tl!ioll$CredltAcci~lnt&. .' ,:,,,WiIel;IaJll\ll'..l,tll' \fcrCtedl\~_lIlI01'.e
,~~~$.:::::".:':Z:n. ,,' "~'I'Nlll ~~IMIJPIIICf,wltIcIlCllltl' XlX.,.' ,~\.~.'1e'!~.; ~II:I'~~I. ~!f.1i4o:r81
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the "Yelll"-llI\tm;ConItai:t. ' ".,'" ,. ' . ~ '1.lo,1j",.:',...g ,.,q:~' .r..., ~~.
..~'lUU..,',.,Xmlll4.MID "kdu.. .1IldI~" rm.~"~h ,luIcilUllinulli' 'Sidal~l'.~;':~,~fl .!.I....o:.zt':._M~._..mi
l8Jl1!",,~9.99'r.oiD' RAHGER 414 ," 6<, ,60500' , lP:r$llVii'hS.!'~i' ;';;:;,' '",' ,"" IV
ElI$" .u. ps. Alf.F'tI.Slllln',.;;I:'$SPii.IIOtber"':""\~ iI.",.. ",:I~"$~t\1
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AS5111n:Wellll1es1pJhicCOntraalJndSlcurilJABlementtuulUfinancecompaayYJhiehit.tlIe.AstIpt&.',It'tIle~I'"~:1 .11' ~"'ll.. . , '. " :,!I,l"'l:l
..~~tt(i,~ w~ntanlam..lbltlQll elalfmll1ltll suoll&ll~uent l=iiltee. AftI:rIhe 1mi1l\llltil~,1Rriilib~;~lfa,Clf.~J f.tJ1n'id.'~~W.;',ljllt""lr_iAA1ai>l
.31ll 1I'tbJl;:~~'(n'If!eSecurilYAQftelIIentsllIDba(an'~Inr(bellnfB~bI!bytbf,As!IIBlIee. TII~lImlneewill notifyyou'oijlin~ ....lItUI(Ani'iHfFliiiiiCill_~1
l~,.~~ftll~lfIasslgamllll. <. ~' ; '.,'~' ,::" .:,: .." " " '.' ~,~ ;"'. ...', ,,';" l'II. ',', '.. r:.'~ ,'~ ,W
, '..' , "~lJ.~ . mUullti'~ . "li:',i':lP.,..:i
.hfll, 'l" .'" " ", " . , "'~:.l, rli ,aq,h, 'n'W.liflAlll~p.,.lII"l ~
co.muER:ARrpllialilllill"lriCtIIleo..sl&Der'~Agr/lGl1IerrtbelGW/lfGmisel~rBtcl'AndUlletller,lllthtll~.IIndB ,.,' '. . ,.." ," lO,: '</' ,
-al1&tl1!lll:i1l1nndilr~atIOll'eementslnlhlsCllntract.CWillliTwllI'llDtbullo.i"'llfthtvtll~:. ~.,,!, -,~ .....IJ,.!, , '
co-flniER:M'dOnDIlJll/Ifnlltll.c...owlllrks.t:lIl'krAtraFmlI)llf~lowiivnIllISRllril'illtIrat~nlbtVahlcl.aDdagl1ii$~_.~' ,PI- ',"~ ~!:ct ,
~~'wllf1.lI~r{JJ.fIdBuyerW.tapll1llt111a11.atre~ill~S~~llritrAlmlllllnl.IId.IlDUlt1~dthlsCll!l'~~~" ~'.a~..IIJ~OI'" ' lMJllI8lllI
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UNITED STATES BANKRUPTCY COURT
FOR THE MIDDLE DISTRICT OF PENNSYLVANIA
Inre;
Chapter 13
MICHAEL ANGELO KA YDO, SR.,
Debtor
, Case No,; 99-05526 RJW
and
CHARLES J. DeHART, III, Chapter 13 Truste,e ' .
CERTIFICATE OF NONCONCURRENCE
The undersigned certifies that counsel for the Debtor was contacted regarding his
concurrence in the foregoing Motion of Kulms-Harnish Ford, Inc. for Relief from Automatic
Stay and such concurrence was declined, Accordingly, the Chapter 13 Trustee also does not
concur in said Motion.
~ESquire
am ~--~~-
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UNITED STATES BANKRUPTCY COURT
FOR THE MIDDLE DISTRICT OF PENNSYLVANIA
Inre;
Chapter 13
MICHAEL ANGELO KA YDO, SR.,
Debtor
Case No.; 99-05526 RJW
KUHNS-HARNISH FORD, INC. t/a
WEST SHORE KIA,
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Movant
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MICHAEL ANGELO KA YDO, SR., and
CHARLES 1. DeHART, III, Chapter 13 Trustee
Respondents
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MOTION OF KUHNS-HARNISH FORD. INC
FOR DEFAULT JUDGMENT
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To The Honorable Robert 1. Woodside, Chief United States Bankruptcy Judge;
PursuanttoRule 7055 (b) (2) of the Federal Rules of Bankruptcy Procedure, Kulms-Harnish
Ford, Inc. ("Movant") respectfully moves this Honorable Court to enter a default judgment against
Michael Angelo Kaydo, Sr., ("Respondent") for failing to respond to Movant's Motion For Relief
From Automatic Stay, and in support thereof, states as follows;
1. On August 9, 2000, Movant filed, a Motion for Relief from the Automatic Stay (the
"Motion"), seeking relief from the automatic stay of Section 362(a) of the Bankruptcy Code, II
U.S.C. 362(a) for the purpose of enforcing its rights and remedies against a 1999 Ford Ranger 4x4
(defined in the Motion and herein as the "Vehicle") in accordance with the provisions of a
Pennsylvania Motor Vehicle Installment Sale Contract between Movant and Respondent and in
accordance with Pennsylvania laws,
2. The Motion sets forth the facts and contains copies of the documents relating to the
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claim of Movant.
3. On August 9,2000, this Honorable Court issued an Order requiring Debtor to file an
Answer to the Motion on or before August 29, 2000. A copy of said Order was duly served upon
Debtor on August 11, 2000.
4. As of September 11, 2000, no Answer to the Motion has been filed or served by
Respondent.
WHEREFORE, Movant prays that this Honorable Court enter a default judgment in favor
of Movant and against Respondent with respect to the Motion, granting relief from the automatic
stay of Section 362(a) of the Bankruptcy Code as prayed for in the proposed Order accompanying
the Motion.
McNEES, WALLACE & NURICK
Date;
q.....ld.~o..;)
BY~
Ne 'c L. Nissly, Esquire
Attorney I.D, # 44233
100 Pine Street
P. O. Box 1166
Harrisburg, P A 17108-1166
Telephone; (717) 232-8000
Attorneys for Kuhns-Harnish Ford, Inc.
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UNITED STATES BANKRUPTCY COURT
FOR THE MIDDLE DISTRICT OF PENNSYLVANIA
In re;
Chapter 13
MICHAEL ANGELO KA YDO, SR"
Debtor
Case No.; 99-05526 RJW
KUHNS-HARNISH FORD, INC, t/a
WEST SHORE KIA,
Movant
v.
MICHAEL ANGELO KA YDO, SR., and
CHARLES J. DeHART, IIl, Chapter 13 Trustee
Respondents
ORDER
AND NOW, this
day of
, 2000, upon consideration of the
Motion for Default Judgment of Kuhns-Harnish Ford, Inc, ("Movant"),
IT IS HEREBY ORDERED THAT;
The Motion for Default Judgment is hereby GRANTED; the Motion of Movant for relief
from the automatic stay is also hereby GRANTED; and the automatic stay is hereby lifted to permit
Movant to exercise its rights and remedies under appropriate state law to reposes, retain, and sell the
1999 Ford Ranger 4x4truck (VIN # IFTYR11V7X7A56129)
BY THE COURT;
The Honorable Robert J. Woodside
Chief Bankruptcy Judge
RECEIVED HarriSburg,
PA
Clerk,
Per
, fey Court
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UNITED STATES BANKRUPTCY COURT
FOR THE MIDDLE DISTRICT OF PENNSYLVANIA
Inre;
Chapter 13
MICHAEL ANGELO KA YDO, SR.,
Debtor
Case No.; 99-05526 RJW
KUHNS-HARNISH FORD, INC. t/a
WEST SHORE KIA,
Movant
v.
MICHAEL ANGELO KA YDO, SR., and
CHARLES J. DeHART, ill, Chapter 13 Trustee
Respondents
ORDER
AND NOW, this ,/3nl day of ~, 2000, upon consideration of the
Motion for Default Judgment of Kuhns-Harnish Ford, Inc. ("Movant"),
IT IS HEREBY ORDERED THAT;
The Motion for Default Judgment is hereby GRANTED; the Motion of Movant for relief
from the automatic stay is also hereby GRANTED; and the automatic stay is hereby lifted to permit
Movant to exercise its rights and remedies under appropriate state law to reposes, retain, and sell the
1999 Ford Ranger 4x4 truck (VIN # IFTYRI1V7X7A56129)
BY THE COURT;
Hamsburg. PI'.
fiLED T1ME~A.M,'P.M.
Isf Robert J. Woodside
SEP , 3 2000
The Honorable RobertJ. Woodside
Chief Bankruptcy Judge
~ S Bankruptcy Court
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VERIFICATION
Subject to the penalties of 18 Pa. C.S. ~4904, relating to unsworn falsification to
authorities, I hereby certify that I am the General Manager of Kuhns-Harnish Ford, Inc. t/a West
Shore Kia, and I am authorized to verify the foregoing document on its behalf. I further certify
that I have read the foregoing document and that the facts set forth therein are true and correct to
the best of my knowledge or information and belief.
Dated; /0- ? / 00
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KUHNS-HARNISH FORD, INC. tla
WEST SHORE KIA,
IN THE COURT OF COMMON PLEAS
;CUMBERLAND COUNTY, PENNSYL V ANlA
Plaintiff
vs,
MICHAEL ANGELO KAYDO
Defendant
NO. 2000 - 7030
ORDER OF COURT
AND NOW, this z.OO' day of OJ-a Jx.... ,2000, upon request of the Plaintiff,
Kulms-Harnish Ford, Inc,tla West Shore Kia, for a Writ of Seizure Upon Notice and Hearing, it
is hereby ORDERED and DECREED that the hearing in this matter previously scheduled for the
26th day of October, 2000, at 9;15 a.m, is rescheduled for the 2nd day of November, 2000, at 9;15
a,m, in Courtroom Number 4 of the Cumberland County Courthouse,
By the Court
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McNEES, WALLACE & NURICK
ATTORNEYS AT LAW
'100 PINE STREET
p. 0, BOX 1166
HARRISBURG, PA 17108-1166
TELEPHONE (717) 232-8000
FAX [7[71237,5300
http://www.mwn.com
BARBARA A. DARl(ES
DIRECT D'AL: (717) 237-5381
E-MAILADDRESS:BDARKES@MWN.COM
October 19, 2000
Honorable Kevin A Hess
Cumberland County Court of Common Pleas
1 Courthouse Square
Carlisle, Pennsylvania 17013-3387
RE: Kuhns-Harnish Ford, Inc. t/a West Shore Kia
Docket No. 2000-7030
Dear Judge Hess;
Pursuant to our conversation with your office this date, I have enclosed a prepared order
rescheduling the 'hearing in the above-referenced matter to November 2, 2000, at 9; 15 a.m,
While we appreciate the expediency in scheduling the hearing in this matter, we unfortunately
have an unresolvable conflict on October 26, 2000.
We have also enclosed additional copies of this order and self-addressed and pre-stamped
envelopes for distribution to the parties.
Thank you for your indulgence in rescheduling this hearing.
Very truly yours,
By
Enclosure
cc; Michael Angelo Kaydo
Karen Deibler
. COLUMBUS, OH
WASHINGTON, D,C, .
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SHERIFF'S RETURN - REGULAR
CASE ~O: 2000-07030 P
COMMO~WEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
KUHNS-HARNISH FORD INC ET AL
VS
KAYDO MICHAEL ANGELO
ROBERT L. FINK
Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - REPLEVIN
was served upon
KAYDO MICHAEL ANGELO
the
DEFENDANT
, at 0013:30 HOURS, on the 23rd day of October ,2000
at 6 INDEPENDENCE DRIVE
MOUNT HOLLY SPRINGS, PA 17065
by handing to
LISA RAYDO (WIFE)
a true and attested copy of COMPLAINT - REPLEVIN
together with
NOTICE:
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So
AnSW?~~
18.00
4.34
.00
10.00
.00
32.34
R. Thomas Kline
10/24/2000
MCNEES, WALLACE & NURICK
h. 1/!!::'
me t lS aCe.,
day of
By: ~7~~g
Deput ~erif 4-
Sworn and Subscribed to before
.;L1TJ.ib A . D .
n~
othonotary
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KUHNS-HARNISH FORD, INC. t/a
WEST SHORE KIA,
Plaintiff
vs.
MICHAEL ANGELO KAYDO
Defendant
TO THE PROTHONOTARY;
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IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 2000 - 7030
Please mark the above-captioned matter Settled, Discontinued and Ended,
Dated: November 1, 2000
McNees, Wallace & Nurick
By
Lawrence R. Wieder, Esquire
Attorney 1.0. No. 16707
Barbara A. Darkes, Esquire
Attorney 1.0. No, 77419
100 Pine Street
P,O. Box 1166
Harrisburg, Pennsylvania 17108-1166
(717) 237-5381
Attorneys for Kuhns-Harnish Ford, Inc, t/a
West Shore Kia
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