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HomeMy WebLinkAbout07-1828ARBITRATION MATTER ASSESSMENT OF DAMAGES HEARING NOT REQUIRED MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 Charlene A. Taylor, Esq. Identification No. 203920 935 One Penn Center 1617 John F. Kennedy Blvd -- _ __ Philadelphia,-PA 19103- (2151789-7161 FORD MOTOR CREDIT COMPANY P.O. Box 6508 Mesa, Az 85216-6508 Plaintiff, v. JEAN COVER 55 Hellam Dr Mechanicsburg, Pa 17055 NOTICE You have been sued in court. If you wish to defend against the claims se[ 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 [he 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. Defendant(s). Attorneys for Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS Case No. U'`J - ~P~2~ ~~ v < <~~ CIVIL ACTION COMPLAINT AVISO Le han demandado a usted en la Corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notification. Hate falta asentar una comparencia escrita o en persona o can un abogado y entregar a la Corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la torte tomara medidas y puede continuar la demanda en contra suya sin previo aviso 0 notificacioo. Adernas, la torte puede decidir a favor del demandan[e y requiere que usted cumpla con Codas las provisioner de esta demands. Usted puede perder dinero o sus propiedades u otros derechos importantes pars usted. LLEVE ESTA DEMANDA A UN ABOGADOIMMEDIATAMENTE. S[ NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION Lawyer Referral Service 2 Liberty Avenue Carlisle, PA 17013 (717) 249-3166 MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 Charlene A. Taylor, Esq. Identification No. 203920 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 (215) 789-7161 FORD MOTOR CREDIT COMPANY P.O. Box 6508 Mesa, Az 85216-6508 Plaintiff, v. JEAN COVER 55 Hellam Dr Mechanicsburg, Pa 17055 Defendant(s). ARBITRATION MATTER ASSESSMENT OF DAMAGES HEARING NOT REQUIRED Attorneys for Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS Case No. 07 - / ~~ ~~ V ~ ~~ CIVIL ACTION COMPLAINT 1. Plaintiff, Ford Motor Credit Company, is a Corporation with its place of business at P.O. Box 6508 Mesa, Az 85216-6508. 2. Defendant, Jean Cover, is an individual who resides at 55 Hellam Dr Mechanicsburg, Pa 17055. 3. At all times relevant, the Plaintiff was in the business of loaning money on motor vehicle installment sales contracts, including but not limited to the note signed by Defendant(s), hereinafter more fully described. 4. On or about April 13, 2004, the Defendant(s) entered into a written Motor Vehicle Retail Installment Contract, (hereinafter referred to as the "Contract"), for the purpose of obtaining financing in the amount of $16,299.72 at an annual percentage rate of 8.990%, in order to purchase a certain motor vehicle, 2001 Ford Explorer more particularly described in the Contract (hereinafter referred to as the "Vehicle") A copy of the Contract is attached and marked as Exhibit A. 5. Pursuant to the Contract, Defendant(s) was required to make monthly payments in the amount of $338.28 for a period of 60 months until the loan was paid in full all as is more fully set forth in the Contract. 6. Defendant(s) made monthly payments until October 28, 2005, but has failed to make any further payments thereafter, and are therefore in default of the Contract. 7. As a result of the default by Defendant(s), and pursuant to the terms of the Contract, the above-mentioned vehicle was repossessed and a notice of repossession was sent to the Defendant(s) giving the Defendant(s) the opportunity to redeem the Vehicle as well as notice of the sale date. A copy of the notice of repossession and notice of sale date are attached and marked as Exhibit B. 8. The Defendant(s) failed to redeem the Vehicle and the Vehicle was sold at auction with a credit given to the Defendant in the amount of $5500.00, however a balance of $4011.20 is still due and owing, and a notice of the deficiency balance was sent to the Defendant. See copy of the notice of the deficiency balance attached and marked as Exhibit C. 9. Pursuant to the terms of the contract, Defendant is required to pay all amounts due and owing, including any balance that may remain after the sale of the vehicle, and the Defendant failed to do so, thereby in default of the Contract. 10. In addition to the foregoing, there is interest due and owing on the deficiency balance which at this time amounts to $545.87 and which will continue to accrue. 11. The total amount due and owing at the time of the filing of this complaint is $4557.07. WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant(s), in the amount of $4557.07, well as any additional interest and costs that may accrue and such other and further relief as this Court may deem equitable and just. Respectfully submitted, MAURICE & NEEDLEMAN, P.C. CHARLENE A. TAYLO SQUIRE Attorney for Plaintiff VERIFICATION I, CHARLENE A. TAYLOR, ESQUIRE, verify that I am the Attorney of record for Plaintiff, FORD MOTOR CREDIT COMPANY, and duly authorized to make this verification on its behalf; that statements made in the foregoing Complaint are true and correct to the best of my knowledge, information and belief. __ These statements are made subject to the penalties of 18 Pa.C.S.A. §4904 relating to unsworn falsification to authorities. BY: v CHARLENE A. TAYLO SQUIRE DATED: March 26, 2007 PENNSYLVANIA 31MPLE N4TEREST VEHICLE RETAIL INSTALMENT CONTRACT DATE 04/l~ot 9uyer (and Co~Buyer) Name and Address Qncludirp Cowdy and Lp Coda) CAEDrrOR (Saran Name ald Addrea) ^ ,~IAY 0 4 20Q4J JEAN COVERpp ~Y L 8 SMITH FORD INC ~~gpR~~fSURG PA 1'7055 ` ~~M8Y~RKET STREET' EA 170!3-1654 w, tlm Buyer land Co~auya, a arry), mq tMY tlr whkk Waedbad beam fa rah a ea aradlL TM `taah PrW e/rorrn Mbm 4 ar raah aloe d er ~mNela T! ram aw rrer' arroem dmom w tr eraan pru». ay arawna uea eunuam, yw easor b buy en areds undr the preewanm m tlr rrom eM bad W rob eaneeer. N Yaer end Make Modyl GV W M Tnrdc YaNCb IErtlpcatpn Number Uae Far YNach Purchased ^ PanmW ^ ApnaulWml USED FORD XPLORER 3722 " lE3~fti60E71UB32894 p ronreerabl rrwala 00 FORD s 9019.26 9019.26 __ INSURANCE s Yrr aM Make Crae Atbwano Anqum palrp REMIZATION OF AMOUNT FINANCED t. Cash Prke__..._..._..._.....-._............._.._....._......_............__. _.._ S 16896.26 (~) 2. Dorm Psymenf Third Pmly Rehab AalOned to Credkor..._....__............_. 3 NSA - Cesh Down PayttwM ..................,,....._._..._...._....__..._......._. _ ;' ~ 1500:00 Treds•in 00 FORD s 9019.26 ; 9019.26 ; N/A Yw enE mrYa aim ~aovena Nnwra O.iq Total Down Paymmt_.._..._._...._.._.._._......_....._. ... f" 2500:00' (~ 3. llnpald Balateoe Of CashYilce (t rilihuv 2).=..~.:...:.._.::_..:_ .:.:..:. S 15385: 26-'(» 4. Amowtb pNd on your beimN (SNwr may be retaining s pOAbn d Mae emeuttb) To huurana CorrgenMs for CreAl LNa Mwrena (for term d contrect) ......,-......__._ . ;~- CredN DlaabllHy Insutwla (for term of conVacO_..__._ . S--RA--- (Term 6~ lAanhs tESdmae))S~- To Prutae OMeiala () nor rurtee (s 15. ~ >. tRle (s 22. ~ ). s " Y1 regiattadOrt (; l ) taes'F 73.50 ; (h~ for rrrg fee S 14.00 ~ - .. (al) for texea (rrot m Cash Price) S 471.96 ; 549_ ~ " To for ° ~ ';° ~1+{/A= To for ; WA TO L 8 SMT1t1 FGiD foy DOC FEB i 55.00 TO tar ~P ; 30D_ 00 ToW......_.....~~...................._..._....__...___._.__........._ ..._. S 91d.16 (y L Amoud PInallted (3 plUa 4)..._..._...__.._..__....,__..__._...__.._ S 16299.74 (~ Ft~t71A1 TRUTIi~11~LENDING DtSCLOSURE3 ANNUAL flNANCE Amount Total of Told Sale PERCENTAGE CHARGE Flnertced PayrrtaMa Prlce RATE The as d your cmdr as a yrdy rate The ddkr enaud ~ Bradt ayl nom you 7Ta annum d erail prorldW b You a on yolr beher Tna amamt you wa hew paid rAmn you rrava msda ay adreduYd The row rxut d yav wnArr on aedr. indelp your daaerpeyrrrmrt x tl a s Seladsle Nmnba d AtNamt d Escb Whm Paymatb ~ PaymaBe Prymatd an due Your paymam schadlde an j- :e.'Q. 28 (^mrArN 9) rra be: ,real s--~,:,. 28 1rUF ~Ri 9!- L.Me PayarM:f YYOUare m~mt p~ • Wa ~. You nil nd have b pay a parmny. Nwr 70 deya kla. The w"Ba on the porem d eadr paymsd maiwd roes deerpa k 2 percent d Nu kte amass a SSO.oe uMriclraror k toes. SeewNy atbraet: Yau as 9beq a aaaaly YtNreat h the veNde Creep purdrasad. ConVaet fMaaH ass tlrk ameact for addirorW itlldrrrraadlr On paarty. imaeet. payme tlsbP roquYe mpsyment d your debt h tun before its celydrrled dasn~anQ yea m ea mwr you aawea oopror, You may ran aw rmeym mm you am mmrekrp uneer nee wmmet, ae wN r hero rlY aMmod• W r M wdaM rd new ar needs .a.a..t w a~..~.r.ey. N DIFICA7tON DL9CLOSURE AnY ctrarrre 'e entmd mu bi M vnarp and by Ya arrd tlr Creibr. $W.ER: YEx X aBY~TNE A ON APROtI~IS ON 0 THE R~ I~RR4EEE>~ O~ Ig CONTRACT. NOTICE TO BUYER Do not slBn this contract In blank. You aro srltkled to an enact copy G? the fwrltract you sign. Keep h to protect your legal rtyhts. Buyer (and Co-Buysr) af:knotltllerl9e that (Q baton si this contract. Buyer (and Co-Buyer) received a rov a rue r~i co-mplebly tfikrd M copy of this contract aryl (in at the tiro tin this c ~ac~ Buyer (end Co-Btlyer) rocs ve a rue an comp y IIe~Tn copy f>f ihis contract. etfrsR swat BY balew, rarer meaPb 1hN eatraa. N no otlra M eaa b raeenad a • aaepnmad b thb aatderl. au ifelNr anal s N 1 1d~relM aY Tes ~ a~ au w lreeYa rRre may p seal see eews;te Fqt 11DORIOIML A(i1FE11EN7g N1 YOU MAY OBTAIN YEHICLE INSURAN FROM A PERSON OF YOUR CHOICE. YOU ARE NOT REOUNiED TO OBTI CREDR LIFE, CREDR DISABILITY A OTHER OPTIONAL MSURANCE. TI CONTRACT WILL NOT INCLUDE TH UNLESS YOU SIGN AND AGREE TO P THE PREMIUM. THIS CONTRACT DOES NOT INCLU LUeIIJTY INSUFIANCE_COVERAtiE F~ BODILY INJURY AND PROPEF DAMAGE CAUSED TO OTHERS. ^ cretat Lire ~t~~ Insurer 5 PPdArum Iraured(s) Signature Creel[ O Disebillry Insurer S Insured Sitptature OMer Optional Insurence Term Insurer S P~- re dadR ur. end Cmit a Inwnor m far tlra ram d the canna°b liw .moats ene eovaaae a shown 6 • neaa a eprwmmet dean m you bdq. Ya mad ItWw tlm YehICIa. tl ^ dwlge N alpmn ONow the cr.aror rdu trY b baY the 0oreratlae wlbeaW an~Vm a~M wilYw d the rMrele p tlma of bay but not moro Then tlta lenlm d the porey. ^ Gomprahenalve O S ~Deducatle ' Caaalon ^ Flre• ThsNLombared Addirorl Covempe ^ TowinB end labs O Tpm Menthe (Fsymaa) Pramum E W/A ~Dabt l:anrlheas welvar AdamMUm (OpUa~ r Yta boa k dtedwd You Mve pudreed a debt anodktan walya. Purdra/s d tNa oevMatla k oPaoreY arq Y rat wpdwd b o0krt aadl Tha Nra and aanditlar tl IM debt arceBHlon valuer am r[ bran h rw elkdmd Addml.Im Yaadr k Ittaorpreetod key rob Wrwea TM glee la ws deer oenwlotlon uWysr k sat tots on Wa aontraet In tlm Itamirtlon d Amaed Fmmg{d undw 3adon I. Program No. ouesTloNisT PLEASE CALL US AT 1-800.727-7000 ar Visit w at tylrw.fordorodiLcorrt W~Or1 ORIGINAL EXHIBIT "'PRN'•• Fwd Motor Credit Company P.O. Box 3076 COLUM8IA, MD 21045-6076 (800) 677-0730 P03P4000200007 JEAN COVER 55 HELLAM DR MECHANICSBURG PA 17055 Date of Repossession 12-30-2005 Date of Notice 01-032006 Date of Contract 0413.2004 AccauM Number: 036652610 Bu er JEAN COVER Cobu DESCRIPTION OF PROPERTY Year 2001 Make FORD ~ New ~ Used Vehicle Identification Number: 1FMYU60E71UB32894 Model EXPLR Body 2DR - - - - - NOTICE OF OUR PLAN TO SELL PRORERTY Wa have your property described above because you broke promises in ow agreement. x0 PRIVATE SALE: We vyYl sell the property described above at private sale sometime after Ili days from the Date of Nadce shown above unless redeemed by you prior to such sale. PUBLIC SALE: We will sell the propeAy described above of pudic sale to the highest bidder on the date bekrw (or any ad1'oumment date). The sale wNl be hekl as follows: Date of Sale Tana or Sale Place of Sale You may attend the sale and bring bidders H you want. NOTICE OF REPOSSESSION The money that we get from the sale (after paying our costs, including reasonable attorney's fees and legal expenses if permitted by law) will reduce the amount you owe. If we get less money than you awe, you will still owe us the difference. If we get more money than you owe, you will get the extra money, unless we must pay it to someone else. You can get the property back at any time before we sell it by paying us the full amount you owe (not just the past due payments}, including our expenses. See How To Get Your Property Back for an itemization of amount owing. To team the exact amount you must pay, call us at the telephone number above. If you need more information about the sale call us at the telephone number above, or write us at the address above. If you want us to explain to you in writing how we have figured the amount that you owe us, you may call us at the telephone number above, or write us at the address above and request a written explanation. We are sending this notice to the followirtg people who have an interest in the property described above or who owe money undo your agreement: 1) The buyer and any Cotwyer named above; 2) Any dealer/original creditor named below; 3) If there are other people, they are named on an attat~lmem sent with this notice. The property is presently stored at: BEN RECOVERY BEN C R PA HOW TO GET YOUR PROPERTY BACK To get your property back, pay us this amount by eeRihed check of money order before the vehicle is sdd. Unpaid Balance $ 12,757.16 Plus Costs: Repo Expanses $ 200 ~ $ Plus Late Charges $ 13.54 Less Fnanca Charge Rebate $ Less Insurance Premium Rebate $ TOTAL $ 12,970.70 (Pkn expenses incurred if defauR at the time of repossession exceeded 1b days and less rebate received alter the date of this no8ee.) Your property won't be sdd until 16 days after the date of this notice at the EARLIEST. After that you can s8N gct R back any time before iYa actualy sdd. If you do, watt have no further daim on it. BM the longer you waN, the moro costs (krduding repairs) you may have to pay. If you have any questions about this, please callus. ^ The property has been (or wiN be) returned to: deakdoriginal creditor) Under our agreement with your dealer/original credNw, the deabr/original credtor is to sell the propeAy and pay you ary money left over. if you owe money alter the sale, you wAl pay N to the dealer/aiginal ereddw. ^ PERSONAL PROPERTY: Any parsanal property found in the vehicle may be reclaimed by you wRhin the next t30 days or, in accordance with stale law, by contacting this ofRce. Thereafter, the personal property shall be tlisposetl of accordingty. ^ Creditor has assigned to is quariftad intermediary (OI Exchange, LLC) ks rigtds (but rat Rs obligatbns) with respell to the sale of each veNde Ilstd shove. PAYMENTS: AN payment to ua must be tqr certified check w money order. MILEAGE DISCLOSURE: If you are aware that the mileage reflected an the vehicle's odometer fe not actuate for any reason, please cooled us eo 8ut we ten eccuratety ropoR the vehkk'a mfleege. INSURANCE RIGHTS: If yeu don't want to get your property back, cal the insurance cemWnY or the dealer/original weditor to make sure that anY Irrauance has been cancelled. You have a right to get cred3 for aN premium refunds. JESSICA A. SNYDER F~ 7,aea-37 den 02 PreNOUS eauona may No7 pe uaetl. CUSTOMER/CUSTOMER FILE EXHIBIT pnae.e m u.s.n. a~ .,, .: y~, vz;:t ~ ''1r ;,J ~ _._..-. ar aervfa: AMz Stump Hers ^ COD ~Y~~~~ praacabdmtllrtp, ^ DsWr<y Caiarmaaon q RpY1rW O Rrrom Raeelpl M MMhanOlr aAr MdlaorNl ^ copra amr, pef J ~ ~ 3 NN1C Q E>mrsa~Mi ^ 94uore CardYnwbn ILL a,en,,..r ...a LyJ~ Of'~aaer.9'arrs S1MC Oly, S>a<t ap OxAl) 7005 257D DDDD 9967 0018 - -- 00102120557807 - -- - - AC-035034726 CHARLENE MCDANIEL - ~- - - --- --•'" - - TJiE ESTATE.OE ~ 7411 W MORAINE DR MILWAUKEE W153223 --~--- - - - _--- - -~, 00102/20567608 - BA-030885270 7005 2570 QOQQ 9967 Q025 -- JOHN J. SULLIVAN 782 HILL AVE ASTON PA 19014 U010?/?0557809 BA-032283878 7005 2570 0000 9967 0032 JAMI FUN INC _ 592 C WINKS LN BENSALEM PA 19040 __ _ _ _ - _ ---_-- _ --... 00102/20557810 70Q5 2570 0000 99 JJ-039254762 67 Q049 _ - OONALO L ADKINS - 11b92 SKYLINE OR ORRSTOWN PA 17244 PS Form 3877, !1J-038852610 7005 2570_ QQQQ 99671 OQ56 JEAN COVER 55 HELLAM OR MECHANICSBURG PA 17055 00102/20557612 ~ ~ ~ I ~+ . P-0323102x3 7005 2570 ODQO 9967 2517 GRdVFR 1 41er r Ford Motor Credit Company PO BOX 3076 COLUMBIA MD 21045-6076 B00 6770730 DATE: 2006-02-OB P03ZJN00000069 JEAN COVER 55 HELLAM DR __ - MECHANICSBURG PA 17055 - STATEMENT OF SALE Account Number: 036852610 The following property has been sold. Year Make Model Vehicle Identification Number. 2001 FORD EXPLR 1FMYU60E71UB32894 Balance owing on your contract (1) $ 12,770.70 Deduct: Finance Charge Rebate (2) $ 0.00 Balance less Finance Charge Rebate (1 - 2) (3) $ 12.770.70 Deduct: gross proceeds of the sale (4) $ 5.500.00 Balance less gross proceeds of the sale (3 - 4) (5) $ 7,270.70 Add: Expenses of retaking and storing, and (6) $ 390.50 any attorneys' fees allowed by law, and expenses of reconditioning and selling. Deduct: Insurance Premium Rebate (7} $ 0.00 Other: (8) $ 150.00 (9) $ 7511.20 Deficiency** Surplus* (10} $ N/A The Surplus/Deficiency will change based on monies received by us (credits) or additional allowed expenses i3< interest added to your account (debits). Surplus' or Deficiency** * If the sale resulted in a surplus, a refund for the difference will be mailed to you. ''" If the sale resulted in a deficiency, you should immediately remit the amount shown on line 9 to the address for payments shown below. For additional information call or write: Mail deficiency payment to: Ford Motor Credit Company Ford Motor Credit Company P.O. BOX 6508 DEPT 194101 MESA ARIZONA 65216-6508 P.O. BOX 55000 (800) 732-2264 DETROIT MI 48255-1941 EXHIB FFNA11990 01/04 Previous editions may NOT be used. IT c /~ ` J '~. Vi o d ~' N ~ £~~ _=~ Q f~ .~ A ~ ~ ~t (~ "1~ ('U 7 `' a 'L7 : ~~ ~_ r ~ t-`~ ;~~ ~ i Y7 ~~ ~F ~7 ~ Commonwealth of Pennsylvania 'N~,• PRAECIPE TO ENTER Court of Common Pleas '! ; l~~~ SATISFACTION OF JUDGMENT County of Cumberland ~'~~ 9th Judicial District -~'" `~+'"'~'`` Cumberland County Courthouse Cumberland County Adult Probation, Plaintiff 1 Courthouse Square v. Carlisle, PA 17013 Michael Scott Albright, Defendant Civil Docket No: 06-1828 CP Docket No: CP-21-CR-0002340-2005 TO THE PROTHONOTARY: Please mark the Judgment in this case as satisfied. Clerk of Courts ~:T ~ o `~ ~' ~ - _- ~ -~: ~ nee=' r _t-,r:; ~~ ~ ..... r1 ~.~ . ~ ~> ~ -= ca ~ r-t =-ry ~ w ..,~ May 01, 2007 Date AOPC 2127 REV. 05/01/2007 SHERIFF'S RETURN - REGULAR CASE NO: 2007-01828 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND FORD MOTOR CREDIT COMPANY VS COVER JEAN STEPHEN BENDER Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE COVER JEAN was served upon the DEFENDANT at 1625:00 HOURS, on the 13th day of April 2007 at 55 HELLAM DRIVE MECHANICSBURG, PA 17055 ___ by handing to JOHN COVER, SON 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 18.00 Service 9.60 Affidavit .00 Surcharge 10.00 .00 ~-1Jlk'~67 e~~ 37.60 Sworn and Subscibed to before me this day So Answers: R. Thomas Kline 04/16/2007 MAURICE & NEEDLEMAN By . ~~!~~ D puty Sheriff of A.D.