HomeMy WebLinkAbout01-0019 FX
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ALAN D. BUDMAN, ESQUIRE
Identification No. 26656
1150 Old York Road
Second Floor
Abington, PA 19001
(215) 884 -1600
ATTORNEY FOR PLAINTIFF
CREDEX AUTO LEASING & FINANCE, INC.
Renaissance Center
5800 Landerbrook Drive
Mayfield Heights, OH 44124
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
CIVIL TRIAL DIVISION
VB.
US AUTO REPOSSESSORS, INC.
319 3rd Street
Lemoyne, PA 17043
No. Of
COMPLAINT - CIVIL ACTION
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NOTICE TO DEFEND
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 is served by entering a written appearance personally or
by an 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. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR
TELEPHONE THE FOLLOWING OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CDMBERIJ\ND COUNTY BAR ASSOCIATION
2 E. Liberty Avenue
Carlisle, PA 17013
(717) 249-3166
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CIVIL ACTION
1. The Plaintiff is a corporation duly authorized to
conduct business in the Commonwealth of Pennsylvania, engaged as a
finance company, whose principal office is at 5800 Landerbrook
Drive, Mayfield Heights, Ohio.
2. The Defendant, US Auto Repossessors, Inc. is a
corporation who conducts a repossession business at 319 3rd
Street, Lemoyne, in the County of Cumberland, Commonwealth of
Pennsylvania.
3. Prior to June 5, 2000, the plaintiff leased a motor
vehicle it owned, a 1997 Chevrolet Lumina, to Shannon Thomas
(attached hereto as Exhibit "A").
4. The said Shannon Thomas fell into arrears on payments
due under the lease, the terms of which, inter alia, allowed the
plaintiff to repossess the vehicle upon default by the lessee.
5. The plaintiff contracted with the defendant to
repossess the vehicle and on June 5, 2000, the vehicle was
repossessed by the defendant.
6. The parties had agreed that the defendant would turn
over the vehicle to the plaintiff by June 19, 2000 but the
defendant failed and continues to fail to turn over the vehicle to
the plaintiff.
7. The plaintiff believes and therefore avers that the
value of the said vehicle is $11,650.00
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8. The plaintiff rents its repossessed vehicles at $14.95
per day and has lost the value of said rental receipts since June
19, 2000, totalling $2,720.90 as of December 18, 2000 and
continuing thereafter.
9. Legal interest at 6t has accrued since June 19, 2000,
totalling $349.50 as of December 18, 2000 and continuing
thereafter.
rental and accrued
18, 2000, which the
10. The value of the vehicle, lost
interest total $14,720.40, as of December
defendant has failed to pay.
11. Defendant converted the vehicle and/or the sum to its
own use fraudulently, maliciously, and unlawfully.
12. The defendant has caused plaintiff to lose the said
vehicle and/or the sum and consequential damages arising
therefrom, including loss of interest and rental income that it
could have earned had it received the said vehicle and/or sum when
due.
COUNT I - BREACH OF CONTRACT
13. The averments of paragraphs 1 through 12 are
incorporated herein by reference as if fully set forth at length.
14. Defendant has failed to pay plaintiff the sum of
$14,720.40.
WHEREFORE, plaintiff respectively requests judgment against
defendant in the amount of $14,720.40, plus interest and rental
income from December 18, 2000 to present, plus costs and
attorney's fees.
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COUNT II - CONVERSION
15. The averments of paragraphs 1 through 14 are
incorporated herein by reference as if fully set forth at length.
16. As a result of the fraudulent, malicious and unlawful
conduct of the defendant, it is liable to the plaintiff for
punitive damages.
WHEREFORE, Plaintiff respectively requests judgment against
defendant in an amount not exceeding $50,000.00, plus interest,
costs and attorney's fees.
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Alan D. Budman
Attorney for Plaintiff
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Leaae Arranger (If applicable):
OL...::l6 ~tJS/7.3, kn
Slate: PA Date Dllssued: //.P/'TT
Lessee:
MONTHLY PAYMENTS
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Leo,. Dale ~ /3 - 99
DL.
State:
Date DL issued:
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--ccj-- M'keJ</:J."",,,,.#~'.'IYearI997, .1 Moda'(f:;l,4.vtJ_:HdJ'l eodySlyIe '~-3'C<d.#.v
I. VINNo./G~&'E:S:.""""bVC7~....<l'9<tUc.No.(Ilknown) C.2JS'- (l,Sd)~ BeginningMileage S/9~S-
.."u_ Additional Description: ' ..
I'" -. 2. bEFINmONS: "You," "Your" and M[.essee~ mean each person or legal entity, 'jointly 'and individually/who s1gns1his Lease agreement as the -Ussee~. "We;
.0Ut; ~us'" and "Lessor" mean the lessor who signs this lease agreement and its successors and assigns. The Lease Arranger. if one Is identified above.
, ' helbed arrange this lease, but is not a party to the actual Lease contract. Disclosures In this Lease are made on behalf of the Lessor and any Lease Arranger.
3. AGREEMENT TO LEASE: You agree 10 lease the motor vehicle descnbed in section 1 ("'Vehicle") from us according to the teons included on pages 1 and 2
'OllhlS leas. sg,aamenl ('Lease'). The Fedara' Consumer Leasio9 Act Disclosuras are also cool~ct Ierms of ""s Lease eg~.m'"t e'copl for sectioos 7. SIb)
I and 10 which are made for disclosure purposes only. - .
Federal Consumer leasing Act Disclosures
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1. beSCR1PllON OF LEAseD VEHICLE: 0 New
Used
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4. Amount Due 5. Monthly Payments S. Other Charges 7, Total of Payments
at Lease Signing YourfirstMonthlyPaymentof$ .3,;>0.7., (not part of your Monthly Payment) (The amount you will
or Delivery .'ueon bEG I!J. 1"I"Iq ,followedby Disposition Fee (if you do have paid by the end of
(Itemized Below)" .3'5 paym,"Uf' 3;;a.7Y' nol purchase the Vehicle) $ :;S-O. 06 the lease)
, dX the, / ~ d. day of each monlh beginning $
WN'vAJlY /3. d)6(>(J . Th~Otal of your ,$ .,~..,qO.q6
9~d3!;.7<{ Monthly Payments is $ /<'- 90$. A Total . 3SO. Or>
8. . Itemization of Amount Due at Lease Signing or Delivery
- (a) -Amount Due At lease Signing or Delivery: . (b) HO\1lhe Amount Due at Leese Signing or Delivery Will Be Paid:
(1) Capitalized Cost Reduction . , G SO. ot> PI Net trade.in allowance .
(2) First Monthly Payment ~;l~ (2) Rebates and noncash credits
" (3) Refundable Security Deposit (3) 'Amount to be paid In cash /6$'0.00
(4) Title lees sa. 00 (4) Total . /&,St:J.O(J
(5) ~istralionfees '18. aD
(S) ';9-,t: ON 0,.,""..</ ~)0r7"""7 / &,S'. ",,'
(7)
(S)
(9) Total .~;l!lS. 7S'
9. Your Monthly Payment Is Determined as Shown Below:
(a,) Gross Capitalized Cost. The agreed upon value of the Vehicle ($ /a SN> """ ) and any items you pay
over the Laase term (such as salVice contracts, insurance. and 'any outstanding prior credit or laase balance) ....._................... . /t> $00. 00
If you want an itemization of this amount. please Initial here: I X I (Lessee initials)
(~) Capitalized Cost Redu~on. The amount of any net trade-In allowance. rebate. noncash credit, or cash /6S0.oc
you pay lhal reduces the Gross Capitalized Cost ......................._.........._...................................................................................... -
(q) Adjusted Capitalized Cost. The amount used in calculating your Base Monthly Payment ................._....................................... = $>F;fro.OCJ
(el) Residual Value. The value of the Vehicle at the end of the lease used In calculating your Base Monthly Payment._......._....._._.._.._._. _ ~3~3. 7r
(~) Depreciation And Any Amortl:ted Amounts. The amount charged for tha Vehicle's decline in value through
normal use and,~or other items paid over the Lease term ...._......................................................._............................................... = Ss/6.I;t;
(f) Rent Charge. The amount charged in additlOn to the Depreciation And Any Amortized Amounts ...............__.m........................... + j&,.;l'l-7t'
(~) Total of Base Monthly Payments. The Depreciation And Any Amortized Amounts plus the Aent Charge.................................. = /,..-.0.9'0
(h) lease Tenn. The number of months In your lease............................................._................................................................._........ + " Z'I
V) Base Monthly Payment. .............................................................................................................................................................. = .;}tPe. !?~
0) Monthly SareSiuse Tax. ........................................._......_............................................................................. .. + ';6.""
(') Lustf .#U'--Nd7Zf;;;__ -f'# . ...-.............:::::::::::: + c~.OO
(I) ............ +
(1T1) Total Monthly Payment. ...............................................................;............................................................................................. = . ~.7'-
10. Early Termination. You may have to pay a substanUal charge If you end this Lease early. The charas may be un ta several
thousand dolllns The actual charge will depend on when the lease Is terminated. The earlier you end the Lease. the greater
this ehi!!rge Is likely to be.
11. Excessive Waar and Use. You may be charged for excessive wear based on our standards for normal use and for mileage In e:>:cess of
1T1Ues per year at the rate of ' per mile.
12. Purchase OpUon at End of Lease Term.
~u do not have an option to purchase Ihe Vehicle at the end of the Lease term.
You have an option to purchase the Vehicle at the end of the lease term ror $ 3 S 303..7f plus the following additional costs and fees:
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Tr,is purchase option price does not include official lees such as for taxes. tags. licenses and registration, which you will also be required to pay. .
13. Ott:Jer Important Terms. See yo.ur Lease documents ror ~d~Itlonal in.formation on early teonination. purchase options and maintenance responsibilities,
warranties, (ate ana' a'efaurt charges, Insurance, and any secunty lnlerest, it app(fcabfe. Me" means estimate
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Exhibit "A"
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19. "OPTION TO PURCHASE BEFORE THE END OF THE LEASE TERM:
You have the option 10 purchase the Vehicle any.tlme after
months of this Lease as long as we have not declared the Lease -'0 be in
;"default. You must give us at least 30 days prior nolice ot,.your intent to
"'purchase>The Vehicle"sale"' price 'will be the sum 'of: '(a)-'All'offlclals" tees,
taxes and other costs incurred for the purchase (or 10 prepare the Vehicle for
(c) DISPOSITION FEE:.Yau will pay us a Disposition Fee of purchase) and all cther.fees and cnarges then due crpasldue Undfaf the Leasz;
. ',$ =?S"O.~6 ."whefl_you"relumthe..ve!1icle.at.the..end,.o"f~e.",.andlbj .. ~#7 "~C,i1tK~ :
" scheduled Lease term. This Fee will nct apply if the Lease ends early or if
you buy Ihe Vehicle at the end of the Lease term (If ~u have that oplion). "-
17. VOLUNTARY ADOmONAL PROTECTIONS: You may buy any at the
following VOLUNTARY protection plans. They are NOT required as part of this 21. ASSIGNMENTS AND TRAN.SFERS: We may sell, assign, or in any
Lease and will NOT be a factor In our decision to laase the Vehicle to you. other way transfer cur rights and responsibilities In the Vehicle and this
(a) SERVICE CONTRACT: You may, but are not~uired to, purchase a Lease.. "
., ,.';; Service..C?n!ral:11q~cO"~t "7N'E,".~:Po~ ~"/J'.,4..-..r/ 'U.a;~~.~~~Mr~~;'-:~~u~~:yL~NAT~i~~i,~ci~J~.'cE~::T~g'~N~~~~~EA~~
Af L'~iJ...d!rq~ d' ~7S"O.'-J/J .'The Service --OTHER WAY,TRANSFER YOUR INTERESTS OR RESPONSIBIUTlES IN
Contract will be In effect for ?"~ L...GV~,A" t"'}-,r" THE VEHICLE AND IN THIS LEASE. We may, at our discretion, give you
7/./tE ~t!-A'.sc :rEA""""' .-and will provide up to permission to make a transfer that is otherwise prohibited. Such permission
,must be given in writing prior to any transler.
01 coverage.
22, 'PRIMARY USE OF THE VEHICLE: You Intend to use the Vehicle
.. primarily for personal, family or household purposes unless yo':! initial below;
I" The Vehicle will be used primarily
lor business. commercial or
'agricultural purposes.
23. ENTIRE AGREEMENT: Tl:1is Lease contract contains your and our
_ entire .agreement. There are no unwritten agreements regarding this Lease
, contract Ally change 10 this Lease contract must-be In writing and signed by
, you and by us.
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24. LESSEE SIGNATURE{S): YOU AGREE "TO ALL THE PROVISIONS
ON PAGES 1 AND 20FTHIS LEASE. YOU HAVE READ,PAGES 1 AND 2
OF THIS LEASE AND ACKNOWLEDGE RECEIVING A COMPLETED COpy
OF THIS LEASE.
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(a) SECURITY DEPOSIT: II included In the Itemized Amount Due At Lease
Signing or Delivery section (section 8(a)(3)), you will give us a
refundable Security Deposit in the amount incflcated..JI may be used to
pay any amount that you do nol pay when due. After all your obligations
are paid under this Lease, we will retum any remaining amount to you.
You will not be enUUed to interest on your Security Deposit or to any
other benefit, Increase or profits that accrue to us as a resull of holding
the Security Deposit. ,No Security Deposit will.be collected if this is a "
- consumer-purpose Lease governed by the la~ of West Virginia.
(b) VEHICLE RETURN FEE: You will pay us a Vehicle Return Fee of
$ ./ L:>Od it this Lease is terminated before the end ot the
scheduled Lease term and the Vehicle is retumed to us or to our agents.
" This Fee will not apply if the Lease ends early by your purchase 01 !he
",Vehicle. - v_
(d)
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The coverage costs $ ..;tS:/Y.)
Your signature below means you want 1he described ,Service Conlract
and that you received and reVIewed a copy of it.. 'If no coverage or price
is given.above, you have declined any such coverage that we oHered.
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(b) ; CREDIT INSURANCE: Credlt'life and credit disabllity'(accldent and
,'health or"accldent 'and, sickness) Insurance 'are NOT requIred as
- part of this Lease and Will NOT be '8 factor In our decision to lease
the Vehicle to you. If you want such insurance, we will obtain it for you
Vf you quaUfy for coverage). We are quoting below ONLY the coverages
that you have chosen to purchase.
Credit life: Insured ~
o Single 0 Joint Premo $ ...v.4?'
CrJiIt Disability: Insured
D Single 0 Join! Pram. $ ~
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Your signature below means you want (only) the insurance coverage(s)
quoted above. If none are quoted, you have declined any coverages we
offered.
I LesseeSignallJre
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(c) GAP WAIVER OR GAP COVERAGE: You are liable for the early
termination charges In sectlon 36 if this Lease ends early because the
Vehicle is stolen and nOf recovered, or is lost or destroyed, or Is
damaged and we ~etermine that it cannot or should not be repaired. On
such termination, the amount of your Insurance proceeds for the Vehicle
may not be enough to pay !he early termination charges. This difference
Is generally refEtrred to as the "Gap~ amount.
You may, but are not required to, purchase a Gap Waiver or Gap Coverage
Conlracl ("Gap Product") 10 cover the 'Gap~ amount as il is specifically
defined in the separate Gap Product The Gap Product will be In effect: for
the .entire sched~led Lease lerm and will provkle up to, ~.
N/,;tIl of coverage. The Gap
Product ccsts $ ..vp
Your signature below means you want the described Gap Waiver or
Coverage Contracl and that you received and reviewed a copy of illl no
coverage or price is given above, you have declined any such coverage
that we offered.
I LesseeSigrtalure
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IMPLIED WARRANIl~ti UIHER THAN IHUtil:: UI::l:it,;HItH:U IN
SUBSECTION (b) OF THIS SECTION (IF ANY). EXCEPT AS REQUIRED
BY LAW. LESSOR MAKES NO IMPLIED .WARRANTY OF
MERCHANTABILITY AND NO WARRANTY THAT THE VEHICLE IS FIT
FOR A PARTICULAR PURPOSE. Excepl a.s provided above. you will take
the Vehicle AS IS and WITH ALL FAULTS. We do not exclude any
Wllrranlies of merchantability and fitness for a particular purpose it (a) this
Lease is subject to Massachusells law, or (b) this Lease is for a consumer or
agricultural purpose and is subject to West Virginia law.
';20. OPTION.TO PURCHASE AT THE END OF THE LEASE TERM: The
Purcha.se Option al End 01 Lease Term seclion in the Federal Consumer
Leasing Act.Disclosures (section 12) descnbes your option to purchase the
Vehicle at the end of the scheduled lease term Iii any) and the Vehicle's
purchase price. If you have the option. it is available only if we have not
already declared the Lease to be in default You also musl give us at .leasl 30
days prior notice of your intent to purchase.
tesseelnilials
Lessee:
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TItle (business leases):
Date:
I Lessee:
I~x
Title (business leases):
Oate:
25. .LESSOR SIGNATURE: By signing below, Lessor agrees to the terms
and conditions contained cn pages 1 and 2 of this Lease and provides:
(a) lessee DL Inspection. The Lessor Inspected each Lessee's driver's
Ucense and compared and verified the signature on each license with a
signature 01 each Lessee. written in LesSor's presence. Lessor believes
that ea,ch Lessee providing such inlormation is currently licensed 10 drive
by the stale of hisJher residence. .
(b) Ass~gnmenl. Lessor assigns this Lease and all rights and title to the
VehIcle 10 the Assignee Identified below (if any):
Assignee Name: CUSTOMER IMPRINT
Address: (IMPRINT AREA 0)
This assignment is subject to a separate Assignment Agreement
between the Lessor and Assignee.
Lessor:
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26, GENERAL TERMS: You ag'ree Ihal the 'law j:if the stale where Ihis35. LEASE}~RMI~!-T19It~is,~e,a~( wlILe~d_ f1~9"~n,~1e;> wl)en one of, -
contract is signed will govem"-~hi~'L~ase:'unfes~-p~~oh!b.ited. If any part ?"f this ~ the following events ocqu~~ Whlchev:~r bappe~~ fi.r:s~: _(~9.~Y.oR choose to end:
b f reed the "rest of the lease will still be enforceable. the. ~~as~.,__~a~ly a~~ ret,~rn t~~ Ve~I~I.e. t~ -us, (QL y~~. c~<?l?se.t? buy thek.
Lease cannot e en~. . , ~. ,', " '." ,'.,~ -.' '; ~ ,', , -,",CC ',.._ 'Vehicle (If you have that '?Ption); (c) :Vou 'r_alum the:Veh'~I!;.atll:!e ,end ~I the.....
27. VEHICLE USE: You agree: (a) to allow th...,yehlcle only to be, operated scheduled Lease Term; '(d) We terminate the Lease because ,the Vehicle is.,'
by licensed driv.ersJo.r,.iaWf\Jt pu::.rpo~.es ~nd _i~~B;1?~pll1)ann~r. (b) t? operate stolen and not recovered. 'or is Jost br destroyed, .o! is- dam~:ged and we-',- c
t~e Vehicle -only 'as:recoiillne~de.d ~y t~e m~n~~f~7t~rer: (c) ,not to use t.he..:_ cJelermine :that it canno~ or .s~ould Qot _be..h~p~fre2._or_.r~pla'ced; _ (~) We:
Vehicle as a'taxi or for other public or pnvate hire orl delivery; (~ not to use terminate the Lease due to your default. -'.On termination, you wil! pay the. t"
!he Vehicle 'i~ a way that ca~s.es the ~ancellati~n or suspens~on of any a!,"ounts agreed In 'this ~ease. You are ~Ot entitle~ ,~o keep the Vehl~le,:'_
warranty, Insurance or other similar Vehicle protection agreement, (e) not to past the end of the scheduled Lease Term or the date of e_srly.- .
take the Vehicle out of the state '~here youJeside for ";1ore_ than 30 .termination without our prior consent. . ..> " --"' ,.,~~,,:>~:).~;!:
consecutive days W!t~9ut..~ll~.e~.or wntte~ apP!'.o:y-al;~and (f) not tO,take the -._....:'.,:. .'.' ~'_.. :, .' ___ ~.-._: _'-' .:- '_ .' '.~ :'.' .... -'.-' .' -<"""__~.
itehlcle~oilt of the United Slates without our prtorwrttten approval:'~--'----"- 36.,EARL Y TERMINAT.lON;,J'hls .se;tl~~apphes .'l_t~~ Leas::lerl11,na.tes,..
",.... ",. "', ',. . before the end 01 the scheduledLease Term. II does nolapply of you choo se...
28. MAINTENANCE AND OPE.RA TI~G~?~~:rll.: Y~~uagree.to keep the .:;to:bUYJhe.Yehlcie'heiore~liie_end.ol .the ~scheduled .Lease Term: 00 early . "
Y~~j~I~:in ~~~ ~~rT}e -C9~i:l!~~~: ~s ~~h~.p iX~~' r~~_~I~ed.. ~'. _ex~pt..f.9r reasonable . te'nnination;',you wii~r~~f!l'tJ:a~ ~'{~~iS:,I~.i~. ~_s: ),!,?~'~.Ii .~~_liy~_~. ts>. OU~!~~.~~~.-
'fea~-a~d .l!I.il:a~e. ''r.'ou. agree. !o .~_e~,~_~ ~-?~,T,>~_l~~.~_:~..~~. recof!lm:.nded by-- c'rto'another reasonable-location at our request. " . ~.~ ..';: ;- .. ..::.':', <,-:
the manufacturer and _as needed..to keep n_1O .g000 ,.operating _condition. _You ---~~_--:-,~ - '7.,-::-' '-.,- ':-~:";-::~-:-f:-':' -~'"7,-:-.t -. '"_.--:.. - -: :_~,. .' " ".' ':_: ~"_:'_ ...,:.. -" ,-- .."~' :'':.~ _-, ;":'
". . . - . '. 'v h' I . ,. th I . -"ti ..- .' 'I'r'a'g-re-e' me'n" Is . '(a)"E'arly'Terminatlon Llability;'On 'early'lermination; you 'agree to pay us: c"
also agree to malntaln._the ~ e. 1~_e_S,?_ _pa "a~~,~.8;~~':l.f\.es:,9.CSll.1'I~ -. .: --:---',.-;-_ - '_-:. i'~::.','':-7-.. :::':"-r-7-":";;?~~~-~ -:--....- ~_- ,-- ....:.. '~'''., -.::. ::_.':." ..;':.(: _ :- .:_:_" _~. -;
remain' effective, end So thai It P'!SSes aIlJnspeCli!:''!''{'':'lul~~bYlay!"Ypu.are", \'tii'l'dFA'veHi-ci:E' ~f(URN FEE;ii: ~riX (sii~!ioil :i~~{b));. :'; .:. _~ ",:. -.'" _, ' . '.
i'esponsible'for""paying all C<?Sts' ~f t.he, Y~~I9'~~s .~e~C?~.:re~'r ~.d .r:n~Jnt~na.n;e ':c.T_ }~~.',.;~s~-s_. ~,:~.~~,~.~~ :!},~Pt. c.,~..~. . '.~.~:f .:.... ="". : r .-::.-'.! : I --". '.: ,,'c.., . -: ' -:;; . ; -'.,: ',"
and 8111he cOsts 'of Its -operetlon,-Includlng"the ''Costs'olgas. ~oll-'parklng and "<""'''(2) ,1>11 accrued and unpeld amounts that ere due or ~~s: due,'t tl1,at tl~,e.
storage,etc>:Vouagree 10 'make 'Ihe Vehicle'.avallablelo- us'loi Inspection' '" ",,~."",;(I~Cludlng ~rn?_un~ ~~sc~b~d .~n the REMEOIES. ~~ctlon~; ~,,~,. -~:.'..:' .
during the'-Li~'a~e Term'-at ~r. ~~~sori~_bh~ time arid locatiorfthal we' request. ~.:., ~. ...,.,?:r'~(3} :Thei~~~~t.by'~iii9b. ih_~~Adj~:s~e~~f L~ase B~~n.ceit)~. gre~i.~ttijary~,~~~>
2~" TITLlNG,'OFFicIAL FEES AND.TAXES:'}'.O~!:,Q~~~~lan~an? agree.!ha,I",;,.: ';~il~e.:'~~~I.l~e,?i~a!~~~.91 Jre '1ehIcle. (1.' Ihe Realiz~d Value i~ greater.. '.".
this.agreemen~ is a lease. only.,:We own the Vehicle,.and it will b.e.titled In our ,.~~-.."..,--,_.~than.lhe AaJusted._,~e~~e .8ala.n.~e, thls_~mo~~,n,t Will be .applled ~~,~~
name or in' the 'name of our assignee. You have no ownership Interests In the : ~redlt toward your lIab~"ty) and,. ': ' . . ,_ _ ~;::". :~' , _' '. 1
Vehicle ex~~~~ for _a~y ~utur~:.~P!~~~~. ,~~. p.~~~~.~~~.E.~O~~:~.ln. ~his:Le~s.e..: ':_ '_~ :,- :.. "'-;:__:--,(4)' 'All ,.offlcial :fee{~n~'-~~~es'~lriipos'ed lri .b~~re'pti?~ ~~~hh)ti~;.~~~~s~~-: '_.
~~~,.~~;.;,~,tt~d ~~~~~il~t7t!~,' r~g71~tr~t'i~-n."li~~~~s~,::~~le~',:iis~,_"e~ci~e.. ~._= ;::-..::;:.te~mina.lion. ,-_._~~:.~.:_-._-~ _~._--- ~;'-' ,:J: ~'~ . .,-...... .;,\' /.~?-~~~~:;:,l"
personal property. ad valorem, Inspection, '-testing ~and all'othe.r taxes, '(b) DeterminIng the A~j~stea Lea.se"'Balan,?~.-Y~ur. eaFly termin~t~o,n:
.fees_and_charges Imposed by governmell.LauthorjJie,s.lo..connectlop wt~h ~ -;'Iiabllity under-this"section-wlll-be"calculat_ed:asing ,the "Adjusted Leas.e.
t~he Vehicle and this Lease, c!.ur~!1_g t~~:.!:.e~~e ~Tei.~!,~ exc~p'~. ~~! i~_c~r:n.e -. .-Balahce",::rhe Adjusted Lease Balance at the beginnin.g' of this Lease is equal:.
taxes. If such amounts ar,e assessed for a peri~ du~Og Ihe Lease Term, you -.to the Adju9ted .c;apila~~."dCosl. (section9(c)).' Assurnln.g Ihat all Base
wiil pay them..,,yen'!l lhey,become -due ailer]he .Lease .Term,We may"at our ',' Monlhly Payment9 (section 9(i)) are made on time ,and you keep all your other
discretion.....determine the' timin,g:and procedl}res~for payme~t~of ,these, .:'Lease' obligatiohs,:thtfSase Monthly'Payments will be applied to"reduce the'
amounts. Y~l}' }"!i11 promp~JY pay thes~:" ~~ou.nts '~s th.ey co~e_ d.ue unle.ss -,::Adjusle~_ Lease Balance.so _t.t1at ~t the_spd .~_! iile t.~i~l? X~rm the A~just~d.'
otherwise InClicated In this Cease.:The'actual total of official fees and taxes . Lease Ba:!ance equa,s the Vehicle's R~sid~al Value (section 9(d)).
that you pay may be higher~o(lower _than our. est~m~l~ (giye~.!~_ ~eg~ion .1J?) --. ". " " ,.- '-. ',-: ..: --, ..-:, . :"'_..... -.~.,~.;. 's.;:'- "--. ,-'.' ,. . :~'.. ..'
'---~c-'-~Ih-'-tax'" , ~I-" ' 'ff "t th' alu'e 01 the Veh"le'at the,l',me a Your Base Monthly PaY,ment Will be applled,firstlo Ihe .Rent Charge whlchls
dependIng on e raeslne ec or ev _ '" '. .. . , -~.". -', _ .__ '..,_. ,_,_ _ ~'_" ._~.. .,...
feerorta;ns':'~s"'~Ssed.--~7---' .- .:- ,,:"-' -- - ,:,-:,,,,~., ~ -'''";;~~;?':{:-' - .--""? ':,:'.:::~.,"" '.,' ~af"~d..and c~arge~ ~aq!1::.rno~th In a way that. i~ ~.iI11i1ar't~. int~rest for .~6~s:!
i ~-:_::,,':_.:.'_~:.:. -'"""'~;,:~!:;;...:::.:'. _"; ::--,,!.;.;- '~'". _ _-r-~.<;':, ~ ~ _ ':.'"' '.;;i ;.1 :" '.; ., ~ :;:., Section 9(f)"glve~ t!1~._t~!?!:flent Charg~ ~B:t.w:~ will ea~ .~~_e! th~ _S?h~?~I~~.{.
30,"REQUIREOINSURANCE.: You,,~gree tqprov,de atleasl the 101l0ViI~9 Leas"Term. We will eam'theRent Charge ale constant rate throughout lhe.
insu1ance"cove~r.ag,et-rRecjuired Ins.urance") on ~he.Vehic!e at all times durfng scheduled iease..-t-efm~"7we'will'calculate' the amou.nt.o,f.th's,..R.ent y~hatge~
tlils'Le~'e~~(afliAffiiLiTY for bO~~Y i~ju~. o<d~~th 8f others in ~.n .amount of . earnecf~ach_'ij1~rlff(b{app!yi!1g the appli~ble constant rate' to t~e Adjust~d.~
~t1eas.f$f02~.oJ~'pef:l;erSoD~ail,a H9P{oop per~<i<X:4'ii~~ce;' (b)"L1ABILlTY lor Lease-Balane€. Thnemair\dei'or'your Base Monthly Payment (if anY)WIU~e;
propert}<darnage' to ~others .In, an_ ?n:lI~unt .qf .,a.t Jea,st $50,000; and (c) applied each month to reduce the Adjusted Lease Balar1ce.-- .__ __,~___':-~ { .'-.
COLlISION~and'COMPREHENSiVE__(Includlngfire aQd theilcoverage) wltha ,.' ,. _ .~. ',' . _,.. ~'. ._ .. ,__ '_.' ~ 0,'
dedUctnM'ni:>(jo 'exce-'ifS50b~'You;agieeto 'providE,jhe insurance al your Each mon~. the portion of !he Rent,Charge paid out of your Bese Mon\hly,
. . .,.,....' -" .... - d..~~'. "-'f- '"h''' h'I' - bl' paymentwTlI be subtracted lrom the totaf Rent Charge lobe eamedo verthe'
own -expense With a.duly.llcense -Insurer.o your.c olce.w o. s.reasona _y .__on.. ___. ,.u_ ._.,_..__.- -_._...._.:.,~_. 0----. ______....._. '. '. _ . ~ -;" ._u _ _, . __.F....
acceptable' .to .tis. 'This , insurar,ce":may ~e" prov!~~c;Ul1rEl!ghoe~is!i~g p_~!!c!es ~0!:!c::h'7:~_u~~,c!~~~:.~~~ ,1~~. ~~~~,~on 9(f)). .The dlfferenc~ _IS the unearned" ~ent.
that Y.ou own lir ~0~tr91. y~~ ~I.so_~a~r.e_~.tl? .f!.alT!e :Ii~_ ~r_ our as~ignee as I~ss . ~~~!ge ~~_t~at u~_e.....:. :'. :' ::_"_ .:.. ~ . ._., _' ,:_'_._, :", . _.'_ :. _ ~..)
payee 'and' additional'lnsure~. .Th,s J~si.Jr~nc;e 'polir;Y' m~_~t.'proVide fo~ at Jeast . ~At any give''; tiine,:ttie-~ACijusted'lease Balance is equal to': :'(lfthe VehIcle's
1 0 p~y~ .i:!~V~fl_~~ _~C?!!~eJo us o! .any ca,n~ena,~jo,r '~cother. r:naterial change,ln :: " Re'sidual Value' (sec~dn 9(d)).' pllis (2) .the total 'of all-r~m.afnirtg' unpaid Ba~e ~
_coverage. 'At._,!uf request.., you :~~i1.I, J~~or!1ptl,y.prp.y~:~,~.~u~~~!thj.!.~~ften -pr~f .of--MO:nthly:'Payments;:minus .(3) the amount of the unearned ~Rent Cha~ge:at
irsu_rance. V<;ni"will promi:ltly cont_act 't~s ,I!,-w~~iri_g ~_~,.~ny o,f !~~'"-I!l~su!~nce~~ihattime.".-'-- , . >,,,:..,: '..-:~..~ . :'_ .:: .' '._-.: '.:, '_,' .. "_ -~;. _~:'>~
provider jriio}ii:ia~jori changes~ You-<"'~uJ!1~~ie ~~~ :t~~~flqorse yoy~.1i_ariie' ~~-'~ny~:;~?;?'f<7.:~~:~'~ }Cs~::r::;;:-,:,_~-~: ~' '::~:~._~ .~ - : - .- . '. . '_.' -, ; '~'-'~'_'~<~;:-~' . . on ,.~ :-=;---;~::a"-
. ~ .- , ..' - . - -.. ,-,....-,- . Ud . '-',.--, ....-- _' !";.;.:.::~~-_P::: '.,;'." _:_-<~ '-.- ~,::',,':.(c) Determining t~e Rea~lzed Value. If the law so reqUlres..-we will sene you.
check we receive for Insurance procee S'd- '- -- '--, -..-....- -.'..-" -. - ~ -,' ",,-.--: --,:" '," ,..~.,.- 'a. -'._ "". _' _. _\; .'._ < .. _ '.;_.
.'Ii-::- ,'..:-- --, ,~. -' '-', _'..~.::' ~ ':-"'~<":" :;,~ ;~..:"".::'";. ;"'~J" ~",--'.-~---.-.~..:-~ __:-;-. ..~.,:::--;' , _ ',:.- ','-;a notice and w~itanr reqUire _ period of tlmebefore taking actIon to _estabhs~:'
NOTICE:L;abilltYlnsutai1C;e~9\ieiiig'( l~of~oClHYlnj~ij and. i!i2!o,-v~hicl~"' ': lli..liehicie'9'Realiiea Yal;;e~ Unless otherWIse iE,quire'ci bj'lawthe:Realized'
..~~>~~_~.e :.~:H~,~_~ t~ ot~~~~-,I~_~ ~D~:~.!~,~~.~~:~}21~~~~t~~~,:~;~;~.~~:':~~~~~;~~~:.!~~iJ~C~Mi1Wi[~~~:9.~_~:~lJh~'j9~1~~lQ:g~~r~:tjJ)~~y.:i:ii{l~ij~h~:':','
3f;-OAMAGETOTHE VEHICLE"ND.INSUIi~l:l.qfJi~IM_i?;:)':9",~Ull'ciWy.}wr_~,e.me~t l>~~e_:~ yo~~~.n.~" ~~J:..a,:h!~.~vlth,'~ .~ ~,E.ays~ ot the ,y'T,l!~cl..,s. '
~s in ~rltin{:ijmmsdiate1y afts.r ari~ 'Ios~'to pe'rsoifi"r..'Pfopertl&c~ors'involving" :re~um; (2) by the ~rOfe~!.?n;al ~'pprals.al of ~ in~e~en.dent third party a~ree/'::
i~e Vehicle .in-any~way. you ,W1ll ~Iso n~tify us)n writing immediately upon ~o by you and.us and.~bJal?e.~ ~t y~u~ expense wlt~l.n15 days of theYehlcle s.
~eceiving 'notice_ of a'ny demand. 'clai!" or suit Involving' the Vehicle in any way. return. (or ~ longer pe[lo~. 'I~ all'pa~les ,so, agree or If ~he _law s,t? reqUlr~s). The
y~u ~ree t~ !~ll}l.foop~rale ~ith us and vlithyour i~surer in any investigation, ,a?p~~[.~al .shall be.of ,t~_e..Y~~lc!e. ~ .~~ol.~sale '{al~e: _a~d. .~~all be .fl~~1 and,
suit or other acllon resuitlng lromlhe use or control of Ihe Vehlcie... c .blndlng on. bolhyou and,~s; qr (3)!f IllS no.tdetermmed With!" 15 days of tl)e,
! '..n_,......" -'-'---'-"-'-' ,:- .,. ~. .',.. -. '.'--'''_-,''~., ,.' :_ - Vehicle's return; we will deter,mine the Realized Value in accordance with
you agree.to.repair_or compensate us for any Joss,or damage to the Vehicle accepted praclices in the automobile industry for'detem;lning--the wholescile'
t~~~ <?c_c_ur~_~~~g !hi~_~~a.s~.:!f. me.Y~tlicle. is 9Cirrlag~d, we ~iU.decide if it is value of used vehicles by o~taining a wholesale cash bid for.the purchase of.
~epairable a~d iI it .should b~,.r;p~I~~d: If the_ V~ht.:!.:._~ ~e~aired, y~~ ~ilI__~'pply.. '_ tl1~ _~eN9J~' .9f. "by-~di~po_~ing '9_f. th.e _ V~ti1cte .In. ari~qth~rwls~ commercially:
tS"the costs.of.,'repair,any insurance-p'roceed~ you receive for Its lo~s or reasonable manner. 'If a bid procedure is used. you may have the right 'to':
damage. You understand that you must pay for a~y loss or damage that IS not . submit a cash 'bid'whlch we-\vill consider along with any other off_ers we ma{
pai.d by insurance.proceeds:'Yo'u a.l~o must keep making any payments as receive. We do not have. to sell the Vehicle but will use the highest oHer
they come due ~urin.9 this Lease e~_en if the Vehicle _is damage~ or unusable amount we receive in calculating your liability. The Realized Value will be:
lor a period ~f :l1me, The THEFT..: LOSS qRUNREPAIRA~LE ,OAMAGE'ieto'If the Ve.~Icle Is rqj ie.turned to. us. If IhlsLease Is 'govemed by Nevada
seclJon. descnbes.~Nhat happe.os: If :~.e decld'Lt~a~ ~he VehIcle cannot or ~ law, YClU may'suQmUto us a_written bid for. the purchase of the Vehicle at ahy
, __.,..~j)Q"1RI?~,thl" rp.priktl~':"~, ~ - , ~ .,,-- -";~il~~ I ..;;.: ~nha t'';'';r ..i.... '.. t.~ 1 '.. ~" ';,~~~.: _~,.~ ~
.- ~'---'--"-'--'-~~~--~_.'--"
- n__.__...'._
~...- ----:-c _-~""<..._L'_"', -- . .,: ;i'!t'...:!~,:<';::'1;!',"'-.;.::"
~~-- '-~--",.,~,
:~'_~nR~I(r~O~ Oe'Ie'_,JCU~U. ~ ~..~_~__-;~ ,~~-.~~.-_.:-~.~ . _ ~-~~:_'.--=- : '-~~~+.~".:'~,:~tJ~e__b~ll?~~e__e~t~~~.i~~ .it.s .~~~li~~d V5!IUe;-:-~ ~. ~ ~:..:~~:~~::~~~~~~~.:~f.~
-'ii~ THEFT,:LOSS O~ UNRE!,~I~~LE DA~AG~: ~-theYehicleJs sioie~ "31. SCHEDULED TERMINATION: Unles~ 'this lease end~l,rid~i'a';6';hci-rt
~nd ~o,~ recovered. or IS lost or ~estro~ed, or IS ~amag.ed an~ we,~~t~rmlne :i..section of this agreement, you wilJ_retum the Y~hicle to us on the last day o(
t~at It cannot or should. not I:?e repaired, th~n we will decide whether to the scheduled Lease Term, You agree to return It to our address or to another~
. continue or termin~te thiS L.ease,'1f ~ i~ continued. you, ~gree ~o accept a , reason~bleJ~tior"! that we. may request. You-may' retum the Vehicle up to 15'
r~asona~le $ubstltu~e vehll::l: of sl~llar value, CO?dltlon, mileage and . dayS.... before the las:t day of .the _sch~9ul~d Lecase Term at 'your optiO!'l. and for- ~
c:cc~ssones to replace. the ~nglOal Vehl,c1e, I~ 'fe terrmnate the Lease under. your oWn 'convenience, without any adjustm'ent (charges .or credits) for- ai'"
this ~ectio~, ~,: ev_e.nt _will be. t~ea~ed .a~ ~n ~arly termination and yo,: ~I~ be. .. -early" return. _ .-:'_ . .....' . .
reqUired to pay the amounts descnbed In the EARLY TERMINATION section. ' -, _":':'. ..-.' , , -,,,,. ,.,.,' ;,.'.
On such early,terminatIon, you agree to release to us all insurance or other ,On termi~ati.~n under this section, you agree to pay us:
prclceedsyou-receivefordamages or'ioss:to'the Vehicle (inc ludlngany .' . .'.. "-' - . ,-. ,. '. .-..-'
premium,efunds on the Raquired Insurance) up to the amount you owe U9., ,(atApls.~9~r!'IO.r,! F.E!,. .~~-"y,deScn~~~ln s.ei:~i~nl_6(c);. "
,,(b) An EXCESS WEAR CHARGE and an EXCESS MILEAGE CHARGE. If'
33. DEFAULT: You wiiibe in default on this Leage If any on.e of the. following . ,
any, de,scribed in the EXCESS WEAR AND MILEAGE section; and,
occurs (except as prohibited by law): . '.
. ".' . '- .. -, "- . . . ... -' . ~'. ,=~.- . (c) ,AIl otl1er.~,m~unts then. due or, past due und, er this Lease. . , .
(a,) ,','Yo, ,U fail to make, anypaymen;W,hen i,t,is ~ue; , '
,. . <. -, -, ..' - . "These :amounts are 'due ,and payable:'aUhe- time you return the Vehicle' or as
-"';'(b,Y.:',,:r, .9l( fail to,'pe-r19,'rp" ,',_anY,,',lJ1a,',teri~I.,o, b"I,igation tha~.you .l1ave"undertak~'n In . --'. '.' " ~ '. " . '~', _" .. " _ .
- , ... soon. thereafter that -they-, can' be determi~ed '.unless ,otherwise provided by
-7--this Lease (which'indu'~~~~c!oi~_g sO.r:nethjng you' have aweed not to d.o):. . '_' ~Iaw.-:.'(ou_wm:a'so_ p~y"us'fo!..aIlJea,~o[labl_e)osses"and.expeinses we- incur'if .
(c) The Vehicie Is seiz,ed,< confi~caied or levied upon 'by legal or ' you fail to retum ,the Vehicle at"ihe end of the sch'eduied-Ceas,'-Term, _' ,
-- goVernmental process;- .. -"" . - ' "38~' riCE~~-~~;~:~NdMlt~~G~; When ~ourai~-rri th~ ve~;c;a~t th~ ::d
(d)--YO~Iali-to.-provid,; 1~',;.Req'ui"ec(lrisurance onthe Vehicle orlali to of the sc!i-eduled Lease Term, you agree ,to pay an EXCESSWEAR
:',provide proof of such coverage after we request it; ". , , , CHAR~E ior' any ex~essive wear to- t~e Vehicfe:'The EXCESS WEAR'
("") ,~~~ing e~s~_ ~~PI?~.rl~ that ~.r:.ates !l ~ef~~lt aCf~rding to applicable law, CHARGE ~ will be equal to the actiJa.1 'or:_e:>Um~ted _cos'~s- of 're'palr, or the, .
, .__. . ~. ,. . ~stimatedlossinitsvalue;becauseof'a-ny.excessive~ear(evenifwedonot
If ,t~is 'Lease !~' in ~efault. ,'we "!l.ay exe.rcise ou~ r~medies against any or all repai~.~h~ V~hicl~): ro...:;; .;' ,.: - ,,; - .' . - - . -' . .'- -: '. .' '<'. . . .~. ~'
Lessees:' . ''',' .. . . '
. '- ~ - r. '.-". . . Exc"es.sive.W"e,a,_".'.n.~..ludes.: ,. ," ,
34. 'REMEDIES: If this Lease Is in 'default, We may take anyone or more of
'"'Ilie-toilowing 'actions.' If.the law requires "us'tode>' so;'we' will give younoUce" 'Xi "(a)in:~cl!aiilca(.da,!,age,'lailure ',or ,delecti(b )exterlo"part~i grillas,
'.' ~~~ vi?!t anx P~.~~ o! ti~~' ~eq~i;ed'~~!ore:t~ki~g these___actions, We may:' .' ;-bump~rs~ trim, "p~int _and -glass ',tl}~t ,are,: d~nted, ':scra.tct,li?d,' chipped,
, .... . discolored or otherwise damaged,-missing or,wom beyond ordinary' use,
(a) Termin~tEi;his Lease arid your rlgh,ts-to Uge the Vehicle;, :. (c) Interior, parts, upholstery; dashboard, carpeting or trunk liner that are
,,(b) ,Take any_ reasonable' action 'tQ,cotrect your defautl or to prevent" our loss' ",stained, tomi,bu'rned :or,_otherwise .damaged, ,missing -or' .worn beyond
:r.,:':(iricluding.'for example, pyrchasiQg insurance that YO!J agreed to provide). .ordinary -use, (d) :accessoriesj"tools ,.and ,equipment included with the_
Any amount we:p~y will qe.added t.o the amou~t you owe us and will be . Vehicle when,deliverecq~at,are:missing;, damaged or not in proper
-;~inimediafeiy due: ".;., ".' ,-' -', : .0' .., " <'working order; (e) tires that areunsafe,have less than 1/8 inch tread at
(c) ;Require,y'6J" \c"'r~tu~'lii-~",V~t1!~je'-anda:ny~relate.cr'records. or m~_k'e-th~m ,._,,;.t~_e-5hallowest point OLare.not a part of a matching set of four,'(f} any
~:',; '~'yail~bl~'l9 u,~ 1[1 ~ r~ason~~I~,rna.riri~r; ..:, '. ". . , olher part or condition that causes thl? Vehicle to be ,unsafe Qr..unlawful
, . " ",. -",' -",--, ." . -" '-. - -' - fo use, (g) any other damageorwear'that together cost more than $50 to
(d) ,'rake back.theVehicle byle"galprocess,'orseif help, but In doing so, we repair oqeplace., ,... ' "
:', '. ~: may not breach th'e peace"cr'violate -the law; '. ~. . - < , " -. . .
-...-. .. uo_ --- -... .. ..'. ".'_.-. .., _-_ . --~ _. .,_. .__. n . We. will nomy yoti :o:f the,'sfubunl ,of these' charges and provide any -'oth~r
{et.~,~~~ '?-~y.~th_e!.re~~~i~~~iJC}...~~~.i~~~~.i.~'!l:1i~,::~~a~e'o_r_~~.Ia~, .. __ related Information as may.'be- required by law: The charges"will be .due"as
:y,~:u'_"8:gr~.e.~'h~J;;:~p!JjeQJ.'tq Y9!1r;.rj9I}t, ~9. r~coy-e~ s.u.t;:I1_.property, if.any,-we l11ay s06n' as the amount ,is' detE:irmkied unless otherwise provided 'by law/If this-
::_ta~e' J:io$Se'~sion of personal _property left in or on the Vel1icle when we take Lease. is subject to Co_nn,ecHcut law, th~ amo!-,nt .of these: charges will b.e
::~al?~)he Vehicle, ~'0-,) ?.) ....,_.~~-: "':-:"..':: :..:_ --:.::." determinecl using the' procedure required in Connecticut Public Law 95~337. .
--:~~6~~:~f~'eJ~~r~~k/~~}0'r:aB9}~~~~~6i~ anio4rit~ ,w~-p~y -t~ ~oYred'or-i::~ver Whe~ you return the yehfcle at the efld of the .scheduled lease Term, you
:Y.qurge!aylt, ~~Iess, pr9l:tibit~cLQY 1~Vf.,)'.qu' ~I~o ?gre~ to ~l?i~~urs~ u,~ for."?ny agree to pay any EXCESS MILEAGE .CHARGE as described in section 11,
> -;~os~s .a~d expenses w~__lncur ,in ~the :Vel1.icle~s return _and disposition, Qf Excessive Wear and Use,
-resuUin~j"fromearlytimTlin-atiori;.,u!"lhiss.probjbitedby:law,Thisa.niount. -... ". -- .-, -, --." " _.", _ ~'_, "
::',in~IUc;i~~; (or.~;.;_~iiTIpl~'.'_!)'~r'~coLir:t_co~.iS'."i1n~' ('easo.riable -attorneys' fees.~ You'r 39," :INOEMNITY: To the_ fullest extent pe'rmitted by'law""and 'unless'othelWise
-<re~i)~nsibility:to',_pay for;'olii'-aifor~eys' .fe-es' i~'sijbject to any limitations prohibited by law, you-agree to indemnify and ,hold us harmless:and our
'provided by the_ applicable state law,: If this Lease is' subject to Colorado'_layl, ~u~ce:ssors apd assigns from ?IJ lia~i1ity. '~laims.'losses, demands,_ damages
_ ..ttie~fee"Wi" riot exceecr15%'Conh~ lmpaid C1ehfif.the ,Lease Is for consumef of aU kinds. e~pens~s (including reasonable le'gal fees and expenses;'-unle'ss
~,te~~re~~~~,~UJiI~K~::~~~T~~~~lf.!!~~i=.~~i)~f~~~:~I(~i~ :~~~~e::I~,~~pk3Ct..~q prohi.bit~d).. fines and penalties we. suffer or incur-iesulting-from .the
;:~J~~Q!gl~,!~~.JQ~ J~~~,,~{~!~9-,qy_er~~'-~~!!e,!.o..;1 ,~?& ,at th~ amout}! ow~ng,.If .thl~ .~. P?~.~.~~.i~!1; '-~p~!a~jon. con,d!tioh. mainte~ance o,r u$e of_ the Vehicle during
_.'~~~~:I$~:~~tibjec'~t-S~Pti!~~hiW:Wo~)YiII)'olpe~fetsponsible"Jo'. 'a ~':foy))'ur .--J~e_Le~~~:r~trn,. - ,
~~;t~~",~f"f:~~~~r.t~~j~~~tI'~[~~t1i6j~~,e.r;~;ei~s;r~'Y~"3' :40:c}JOTiliES:~uniJss~therWise required pylaw, you agree that any notice
"'.~~l;~~~~ng~~p~~C?P:~~tlr'!)P~f:,:~f:-~~;.r:l~~il9~~i~W~~9~}!.~!_ gj~~.lIP ~~~ ri~_h~.. . ,:w~'P~o~d~j(:)lJ will be reasonable and sufficient if tt is sent by first class mail;
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VERIFICATION
I, David N. Haynesworth, the Legal Coordinator of the within
named plaintiff verify that the statements made in this pleading
are true and correct. I understand that false statements herein
are made subject to the penalties of 18 Pa. C.S. Sec. 4904,
relating to unsworn falsification to authorities.
DATE:
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SHERIFF'S RETURN - REGULAR
CASE NO: 2001-00019 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CREDEX AUTO LEASING & FINANCE
VS
US AUTO REPOSSESSORS INC
RICHARD SMITH
, Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
was served upon
US AUTO REPOSSESSORS INC
the
DEFENDANT
, at 0014:23 HOURS, on the 3rd day of January , 2001
at 319 3RD ST
LEMOYNE, PA 17043
by handing to
MIKE COONS (PRESIDENT)
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
18.00
9.92
.00
10.00
.00
37.92
r~~C'
R. Thomas Kline
01/04/2001
ALAN D. BUDMAN
Sworn and Subscribed to before By:
me this 16 ~ day of
9A~ ckro I A.D.
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P othonotary I
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CREDEX AUTO LEASING &
FINANCE, INC.,
Plaintiff
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
V.
: NO. 2001- 19 CIVIL TERM
US AUTO REPOSSESSORS, INC.
Defendant
NOTICE TO PLEAD
TO: ALAN D. BUDMAN, ESQUIRE
1150 OLD YORK ROAD
SECOND FLOOR
ABINGTON, PA 19001
ATTORNEY FOR CREDEX AUTO LEASING & FINANCE, PLAINTIFF
You are hereby notified to file a written response to the enclosed Answer and
New Matter within twenty (20) days from service hereof or a judgement will be entered
against you.
Date: '.2 /1'3/01
I I
~~Rooen, E'qm"
Krevsky & Rosen, P.C.
1101 North Front Street
Harrisburg, PAl 71 02
Attorney for Defendant
Atty, J.D. 10625
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CREDEX AUTO LEASING &
FINANCE, INC.,
Plaintiff
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
V.
: NO. 2001- 19 CIVIL TERM
US AUTO REPOSSESSORS, INC,
Defendant
ANSWER AND COUNTERCLAIM
OF DEFENDANT
AND NOW, comes Defendant, US Auto Repossessors, Inc., by and through counsel,
Lawrence J. Rosen, Esquire and offers the following Answer to Plaintiffs Complaint and
Counterclaim:
ANSWER
1, Admitted.
2. Admitted,
3. Denied. Defendant does not possess information sufficient to enable it to form a
belief as to the truth of the subject averment. Strict proof at trial is hereby
demanded.
4.
Denied. Defendant does not possess information sufficient to enable it to form a
belief as to the truth of the subject averment. Strict proof at trial is hereby
demanded,
;::
5. Admitted.
6, Denied. It is denied that the parties agreed that Defendant would return the
vehicle to Plaintiff on June 5, 2000. By way of further explanation, it is denied
that the parties ever discussed or agreed upon a return date.
7, Denied. It is expressly denied that the value of the vehicle is $11,650.00 as the
condition and mileage of the vehicle depreciates the value of the vehicle.
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8. Denied. Defendant does not possess information sufficient to enable it to form a
belief as to the truth of the subject averment. Strict proof at trial is hereby
demanded.
9. Denied. Subject averment constitutes a legal conclusion and requires no response.
10. Denied. Averment is based upon a valuation to which Defendant objects as well
as a legal conclusion relating to accrued interest.
11. Denied. It is expressly denied that Defendant converted the vehicle. Said vehicle
was stolen by an unknown party which criminal behavior cannot be imputed to
Defendant.
12, Denied, Defendant at all times pertinent hereto acted in a responsible manner and
is not responsible for the criminal behavior of unknown parties.
COUNT I.
BREACH OF CONTRACT
13. No response required,
14. Admitted. By way of further explanation, it is denied that Defendant owes"
Plaintiff $14,720.40.
WHEREFORE, Defendant demands that judgement be entered against Plaintiff and that
the instant Complaint be dismissed with prejudice.
COUNT II.
CONVERSION
15. No response required,
16. No response require as subject averment constitutes a legal conclusion. Insofar as
a response may be required, Defendant expressly denies that it has acted in a
fraudulent, malicious and unlawful manner.
WHEREFORE, Defendant demands that judgement be entered against Plaintiff and that
the instant Complaint be dismissed with prejudice.
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DEFENDANT'S COUNTERCLAIM
COUNT I.
BREACH OF CONTRACT
17. Paragraphs one through sixteen are incorporated as if fully set forth herein.
18. Defendant has provided repossession services for Plaintiff since May ofthe year
2000 pursuant to and oral agreement.
19, Plaintiff has failed to compensate Defendant for services rendered in the amount
of $872.99.
WHEREFORE Defendant demands that judgement be entered on its behalf and against
Plaintiff in the amount of $872,99 plus costs and interest.
Respectfully submitted:
Date: 2..} I ~ I q'(
I "
By:
nce J osen, Esquire
1101 North Front Street
Harrisburg, P A 17102
ID# 10625
(717) 234-4583
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CREDEX AUTO LEASING &
FINANCE, INC.,
Plaintiff
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
V.
: NO. 2001- 19 CIVIL TERM
US AUTO REPOSSESSORS, INC.
Defendant
VERIFICATION
I, MICHAEL COONS, hereby verify that the information contained in the
foregoing Answer and Counterclaim is true and correct to the best of our knowledge,
information and belief. I also understand that false statements made herein are subject to
the penalties of 18 Pa. C.S, ~ 4904, relating to sworn falsification to authorities.
DATE: t1)/~/OI
~~
MICHAEL COONS, PRESIDENT
US AUTO REPOSSESSORS, INC.
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CREDEX AUTO LEASING &
FINANCE, INC.,
Plaintiff
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
V.
: NO. 2001- 19 CIVIL TERM
US AUTO REPOSSESSORS, INC.
Defendant
CERTIFICATE OF SERVICE
AND NOW, thisu.. day of February, 2001, I, Lawrence 1. Rosen, for the Law Firm of
Krevsky & Rosen, P,C., hereby certify that a copy of the foregoing Answer and Counterclaim
was forwarded U.S. First Class U.S. Mail on the following:
ALAN D, BUDMAN, ESQUIRE
1150 OLD YORK ROAD
SECOND FLOOR
ABINGTON, PA 19001
ence J. Rosen
1 01 North Front Street
Harrisburg, P A 17102
(717) 234-4583
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ALAN D. BUDMAN, ESQUIRE
Identification No. 26656
1150 Old York Road
Second Floor
Abington, PA 19001
(215) 884-1600
CREDEX AUTO LEASING & FINANCE, INC.
vs.
US AUTO REPOSSESSORS, INC.
AND NOW, this
ORDER
/ '1' day 0 f N~ w.....t.v
I
NOV 1 5 2001})vi
ATTORNEY FOR PLAINTIFF
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
CIVIL TRIAL DIVISION
No.: 2001-00019 P
2001, upon consideration
of Plaintiff's Motion to Compel Defendant to Answer Plaintiff's
Interrogatories and Request for production of Documents, it is
hereby ORDERED and DECREED that Defendant serve upon Plaintiff
complete Answers to Plaintiff's Interrogatories and Request for
S<H'~u...
Production of Documents within twenty (20) days of"A ~B9 ""t-e of
this Order, or risk sanctions.
DATE:
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BY THE COURT:
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ALAN D _ BUDMAN, ESQUIRE
Identification No. 26656
1150 Old York Road
Second Floor
Abington, PA 19001
(215) 884-1600
ATTORNEY FOR PLAINTIFF
CREDEX AUTO LEASING & FINANCE, INC.
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
CIVIL TRIAL DIVISION
vs.
US AUTO REPOSSESSORS, INC.
No.: 2001-00019 P
MOTION TO COMPEL DEFENDANT'S ANSWERS TO PLAINTIFF'S
INTERROGATORIES AND REOUEST FOR PRODUCTION OF DOCUMENTS
The Plaintiff, by their undersigned attorney, move this
Court for an Order compelling Defendant to answer Plaintiff's
Interrogatories and Request for production of Documents served
upon it by Plaintiff on June 25, 2001, on the following grounds:
1. On June 25, 2001, Plaintiff served Interrogatories
together with a Request for production of Documents on the
attorney for Defendant.
2. No answers to this written discovery have been served
or filed.
3. No objections have been filed to this written
discovery.
To
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4. On August 14, 2001, Plaintiff's counsel wrote to the
attorney for Defendant requesting answers to Plaintiff's written
discovery requests.
5. Defendant has not responded to Plaintiff's requests.
6. The material requested in plaintiff's discovery
requests concern relevant information applicable to the causes of
action set forth in Plaintiff's Complaint.
7. Failure to produce the requested materials is in
violation of Pa. R.C.P. 4009.
WHEREFORE, plaintiff respectfully request this Honorable
Court to compel Defendant to provide Plaintiff with complete
Answers to Interrogatories and copies of all documents and things
requested in Plaintiff's
Interrogatories and Request for
Production of Documents within 20 days of entry of the Order.
/
Alan D. Budman
Attorney for Plaintiff
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VERIFICATION
I, Alan D. Budman, Esquire, counsel for the within named
Plaintiff, does hereby verify that the facts and statements made
in this pleading are true and correct. I understand that false
statements herein are made subject to the penalties of 18 Pa. C.S.
Section 4904, relating to unsworn falsification to authorities.
Alan D. Budman, Esquire
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I hereby certify that I have served a copy of the foregoing
document upon the persons and in the manner indicated below which
service satisfies the requirements of Pa. R.A.P. 906:
/-JL/ regular First Class mail on
,j)'Ov '"
2001
/___/ certified mail
/___/ other
Alan D. Budman
Attorney for Plaintiff
cc,: Lawrence:C. Rosen, Esquire
Krevsky & Rosen, P.C.
1101 N. Front Street
Harrisburg, PA 17102-3324
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ALAN D. BUDMAN, ESQUIRE
Identification No. 26656
1150 Old York Road
Second Floor
Abington, PA 19001
(215) 884-1600
ATTORNEY FOR PLAINTIFF
CREDEX AUTO LEASING & FINANCE, INC.
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
CIVIL TRIAL DIVISION
vs.
US AUTO REPOSSESSORS, INC.
No.: 2001-00019 P
PLAINTIFFS' MOTION FOR SANCTIONS
Plaintiff hereby brings this Motion for Sanctions, averring
as follows:
1. On November 14, 2001, Plaintiff filed a Motion to
Compel answers to written discovery upon the Defendant, US Auto
Repossessors, Inc.
2. On November 19, 2001, The Honorable Kevin A. Hess
issued an Order requiring said Defendant to answer written
discovery within twenty (20) days of service of the Order or risk
sanctions.
A true and correct copy of this Court's Order is
attached hereto as Exhibit "A".
3. Said Order was received by the attorney for Defendant
on November 30, 2001. (See postal receipt card attached hereto and
marked Exhibit "B").
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4. Said Defendant has violated this Court's Order for, as
of January 16, 2002, Defendant has failed to comply with this
Court's Order.
5. Plaintiff cannot move its case forward until they have
had an opportunity to review the Defendant's discovery answers.
6. Default Judgment against the Defendant and the
dismissal of their Counterclaim are appropriate sanctions in this
case based on Defendant's willful behavior in preventing Plaintiff
from moving its case forward and in Defendant's failure to comply
with this Court's Order.
7. Plaintiff also respectfully requests as a sanction
under Pa. R.C.P. 40194(g) (1)
that Defendant pay Plaintiff's
attorney's fees in the prosecution of this Motion in the sum of
Five Hundred ($500.00) Dollars as the reasonable cost incurred in
obtaining the Order of Compliance and the Order for Sanctions.
WHEREFORE, Plaintiff respectfully requests this Honorable
Court to enter the Order attached hereto imposing sanctions
against the Defendant.
Respectfully submitted,
Alan D. Budman
Attorney for Plaintiffs
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VERIFICATION
I, Alan D. Budman, Esquire, counsel for the within named
Plaintiff, do hereby verify that the facts and statements made in
this pleading are true and correct.
I understand that false
statements herein are made subject to the penalties of 18 Pa.
c.s.
Section 4904,
relating to unsworn falsification to
authorities.
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ALAN D. BUDMAN, ESQUIRE
Identification No. 26656
1150 Old York Road
Second Floor
Abington, PA 19001
(215) 684-1600
ATTORNEY FOR PLAINTIFF
CREDEX AUtO LEASING & FINANCE, INC.
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
CIVIL TRIAL DIVISION
vs.
US AUTO REPOSSESSORS, INC.
No.: 2001-00019 P
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ORDER
AND NOW, this ;q ~ day of"--;u,v-e.~ 2001, upon consideration
of Plaintiff's Motion to Compel Defendant to Answer Plaintiff's
Interrogatories and Request for Production of Documents, it is
hereby ORDERED and DECREED that Defendant serve upon Plaintiff
production of Documents within
Interrogatories and Reauest for
twenty (20) days ofAk~te of
complete Answers to Plaintiff's
this order, or risk sanctions.
BY THE COURT:
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DATE:
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Exhibit "A"
,.,'. .20 ';;,,' {,", :,0""", I'" t-v I
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ProthDflot!1ry'
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Complete items 1, 2. and 3. Also complete
item- 4 jf Restricted Delivery is desired.
. Print your name and address on the reverse
so that we can return the card to you.
. Attach this card to the back of the mailpiece,
or on the front if spac-e permits.
JicJe Addressed to: ; U f.
5<QLl~',_),~ ~ ~O\l.l"UI
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1101 N, dGl\(M -]- ..d+N.-c--+
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O. Is delivery address different from item 1?
If YES, enter delivery address below:
o Agent
o AddresSee
DYes
o No
3. Sefilice Type
~ Certified Mail
o Registered
o Insured Mail
o Express Mail
o Return Receipt for Merchandise
o C.OD,
4. Restricted Delivery? (Cxtra Fee)
DYes
2. Article Number (Copy from saNiee labeQ . J
'7oq q 3;);l 0 aoo:!: tQ;;' ::J(J
PS Fonn 3811. July 1999 Domestic Return Receipt
1/00
1025SS.0a.M-0952
Exhibit "B"
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ALAN D. BUDMAN, ESQUIRE
Identification No. 26656
1150 Old York Road
Second Floor
Abington, PA 19001
(215) 884-1600
ATTORNEY FOR PLAINTIFF
CREDEX AUTO LEASING & FINANCE, INC.
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
CIVIL TRIAL DIVISION
vs.
US AUTO REPOSSESSORS, INC.
No.: 2001-00019 P
MEMORANDUM OF LAW IN
SUPPORT OF MOTION FOR SANCTIONS
According to Pennsylvania Rule of Civil Procedure
4019(a) (1), "[t]he court may, on motion, make an appropriate order
if ...
(viii) a party or person otherwise fails to
make discovery or to obey an Order of the
Court respecting discovery.
Pa. R.C.P. 4019 (a) (1) (viii).
Pennsylvania Rule of civil Procedure 4019 (c) permits this
Court to make "an Order... entering a judgment... by default
against the disobedient party or party advising the disobedience."
Pa. R.C.P. 4019 (c) (3).
See also Fox v. Gabler, 534 Pa. 185, 626
A.2d 1141 (1993).
A trial court does not abuse its discretion by entering
Default Judgment as a sanction for a party's failure to respond to
1. _ l _ __ I!__..~
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discovery, even if a less drastic sanction would have been
appropriate at an earlier time.
Miller Oral Surgery, Inc. v.
Dinello, 416 Pa. Super. 310, 611 A.2d 232 (1992)
In ruling that Default Judgment is an appropriate sanction
in this matter, ,,[t] he Court is required to strike a balance
between the procedural need to move the case to a prompt
disposition and the substantive rights of the parties."
Gonzales
v. Procaccio Bros. Trucking Co., 268 Pa. Super. 245, 252, 407 A.2d
1338, 1341 (1979).
The Court must examine the party's failure to
comply in light of the prejudice caused to the opposing party. Id.
Whether the failure to comply with a discovery request
represents a willful disregard of a Court Order is also a factor
to be considered in fashioning the severity of the sanction.
Roman v. Pearlstein, 329 Pa. Super. 392, 399, 478 A.2d 845, 848
(1984)
Respectfully submitted,
Alan D. Budman
Attorney for Plaintiff
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ALAN b. BUDMAN, ESQUIRE
Identification No. 26656
1150 Old York Road
Second Floor
Abington, PA 19001
(215) 884-1600
ATTORNEY FOR PLAINTIFF
CREDEX AUTO LEASING & FINANCE, INC.
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
CIVIL TRIAL DIVISION
vs.
US AUTO REPOSSESSORS, INC.
No.: 2001-00019 P
CERTIFICATION OF SERVICE
The undersigned hereby certifies that he served a true and
correct copy of the attached Motion for Sanctions upon the below-
listed individual by regular United States Mail, postage prepaid:
DATE:
(- ,z..-.!- -0 ...-
Lawrence J. Rosen, Esquire
Krevsky and Rosen
1101 N. Front Street
Harrisburg, PA 17102
~
Attorney for Plaintiff
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CREDEX AUTO LEASING &
FINANCE, INC.,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYL VANIA
vs.
01-019 CIVIL
CIVIL ACTION - LAW
US AUTO REPOSSESSORS, INC., :
Defendant
IN RE: PLAINTIFF'S MOTION FOR SANCTIONS
ORDER
AND NOW, this
I r day of February, 2002, a brief argument on the within
motion for sanctions is set for Thursday, February 28,2002, at 3:30 p.m. in Courtroom Number
4, Cumberland County Courthouse, Carlisle, PA.
BY THE COURT,
~an D. Budman, Esquire
For the Plaintiff
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~awrence J. Rosen, Esquire
For the Defendant
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CREDEX AUTO LEASING &
FINANCE, INC.,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYL V ANlA
vs.
01-019 CIVIL
CIVIL ACTION - LAW
US AUTO REPOSSESSORS, INC., :
Defendant
IN RE: PLAINTIFF'S MOTION FOR SANCTIONS
ORDER
AND NOW, this
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-<- T day of February, 2002, it appearing that this case has settled,
at the request of counsel, argmnent in the within motion for sanctions set for February 28, 2002,
is continued generally.
BY THE COURT,
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Alan D. Budman, Esquire
For the Plaintiff
Lawrence 1. Rosen, Esquire
For the Defendant
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ALAN D. BUDMAN, ESQUIRE
I.D. No. 26656
1150 Old York Road
Second Floor
Abington, PA 19001
(215) 884-1600
ATTORNEY FOR PLAINTIFF
CREDEX AUTO LEASING & FINANCE, INC.
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
CIVIL TRIAL DIVISION
vs.
US AUTO REPOSSESSORS, INC.
No.: 01-019
ORDER TO SETTLE, DISCONTINUE AND END
TO THE PROTHONOTARY:
Kindly mark the original claim settled, discontinued and
ended.
Alan D. Budman
Attorney for Plaintiff
ORDER TO SETTLE. DISCONTINUE AND END
TO THE PROTHONOTARY:
Kindly mark the counterclaim settled, discontinued and
ended.
Lawrence J. Rosen
Attorney for Plaintiff
on Counterclaim
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