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Home My WebLink About08-1674ARBITRATION 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 Attorneys for Plaintiff (L 15) "/tSy-"! 161 FORD MOTOR CREDIT COMPANY, A DELAWARE LIMITED LIABILITY COMPANY P.O. Box 6508 Mesa, Az 85216-6508 Plaintiff, V. CUMBERLAND COUNTY COURT OF COMMON PLEAS Case No. 08- & 7lf Civil -r&m KEVIN CRAMER 2751 Spring Rd Carlisle, Pa 17013 Defendant(s). CIVIL ACTION COMPLAINT 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. 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. AV ISO Le ban 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 at partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia escrita o en persona o can un abogado y entregar a la cone 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 corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Adernas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas ]as provisions de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADOIMMEDIATAMENTE SI 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. 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 ARBITRATION MATTER ASSESSMENT OF DAMAGES HEARING NOT REQUIRED Attorneys for Plaintiff (?15) "/2Sy-/161 FORD MOTOR CREDIT COMPANY, A CUMBERLAND COUNTY COURT OF DELAWARE LIMITED LIABILITY - COMMON PLEAS - -- COMPANY P.O. Box 6508 Case No. OF- Mesa, Az 85216-6508 Plaintiff, V. ERIN CRAMER 2751 Spring Rd Carlisle, Pa 17013 KEVIN CRAMER 2751 Spring Rd Carlisle, Pa 17013 Defendant(s). CIVIL ACTION COMPLAINT 1. Plaintiff, FORD MOTOR CREDIT COMPANY, A Delaware Limited Liability Company, is a Corporation with its place of business at P.O. Box 6508 Mesa, Az 85216-6508. 2. Defendant, Erin Cramer, is an individual who resides at 2751 Spring Rd Carlisle, Pa 17013. 3. Defendant, Kevin Cramer, is an individual who resides at 2751 Spring Rd Carlisle, Pa 17013. 4. 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. 5. On or about June 2, 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 $26955.40 at an annual percentage rate of 8.900%, in order to purchase a certain motor vehicle; 2004 Ford Focus more particularly described in the Contract (hereinafter referred to as the "Vehicle"). A copy of the Contract is attached and marked as Exhibit A. 6. Pursuant to the Contract, Defendant(s) was required to make monthly payments in the amount of $407.59 for a period of 60 months until the loan was paid in full all as is more fully set forth in the Contract. 7. Defendant(s) made monthly payments until March 5, 2007, but has failed to make any further payments thereafter, and are therefore in default of the Contract. 8. 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. 9. 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 $7700.00, however a balance of $3652.64 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. 10. 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. 11. In addition to the foregoing, there is interest due and owing on the deficiency balance which at this time amounts to $214.65 and which will continue to accrue. 12. The total amount due and owing at the time of the filing of this complaint is $3867.29. WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant(s), in the amount of $3867.29, 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, MA IC & NEEDLEMAN, P.C. CHARLENE A. TAYLOR, ESQUIRE Attorney for Plaintiff Date: March 6, 2008 VERIFICATION I, CHARLENE A. TAYLOR, ESQUIRE, verify that I am the Attorney of record for Plaintiff, FORD MOTOR CREDIT COMPANY, A DELAWARE LIMITED LIABILITY 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: CHARLENE A. TAYLOR, ESQUIRE DATED: March 6, 2008 MISSOURI SIMPLE INTEREST VEHICLE RETAIL INSTALMENT CONTRACT erName and Addrese( and p41f ress (kduding County and Zip Code( CREDITOR (SA111 H R?OGE NO 63049 DATE NpP AC OMgg BGAAMMEERR 4NTSLOb 63125 06/02/2nn 223249 l --, L!. 3 n PRO* ro ehovm setow N •casn spa lmce: me ORION Co-Buyer, H ally), may buy the vaNdcN deadrea4 below for each or on eradp. TM ran shown bNOw as Roth Sale Price.' By elpMnp this contract, you choore 10 buy Nor warecar, on as& under via ally"im fe on the from "A k d XXO P..W ? Atykuluer 0 Cammsndel ? over $7,50 Trees 1999 MERCURY s 300.00 s 4801.26 YM and Make Grow ARmanca Anbunt OwNq ITEMIZATION OF AMOUNT FINANCED 1. Cash Sete Price .._...... _._..... _......................... ............................ S 16212.14 (1) 2. Down Payment Third Party Rebels A$Wlgned to Creditor ....._....._. $ 2500.00 Cash Down Psymerd._..._................................... S N/A Pickup Payment Due._........ _ .................................. i N/A Trado4n (description above)..... ............. .... ........... _.. $ 0.00 Total Down Payment.__._ .............................. ....................... S 2500.00 (2) 3. Unpaid Balance of Cash Sala Price (t mimes 2) _............ ...... .... S 13712.14 (3) 4. Amounts paid on your b~ (Seder may be retaining a pawlon of Mere amounts) To Public Officials (I) for license, ties d registration teas S 2 50 A (1) for official - - N/A 2 50 (B) (a taxes {nut to Caen Sale Puce) S . To Ineurenee Companies for. N/A Credit Ufa Insurance ........... .... ......... .._.......................... ...-_._. MUI t i DI S Y nswance__._.................. .....__................... t Sa N/ACred MIA ro for N/A - $ NIA T?SP-FOB toy SERVICE CONTRACT S 965.00 T?NCC I.,NE6RTIVE EQUITY s 4501.26 T?APWISE for GAP WAIVER S 600.00 Total _....__..._.._.__....__ _._....._...._._..._ ................_..._._ _ S 59876 (N noo0 13 plus 4)._.._._..._......_.___...__..._...._..M__... 5. Amount l4na S tS680 90 (R FEDERAL TRU H-NON ENDING DISCLOSURES ANNUAL FINANCE TOM of Total Sole PERCENTAGE CHARGE FInwmd Payments Price RATE Ths amount Tta Mel o»t The do6r amour ycu wa haw d yew TIM cost W your tier aeda wa L paid v,tran purctrsas credit as ayeany cost you you hM creak rat. mach? hKlWng your rya d qP5011 OD 8.75 % is 4774.50 44455-40 s26ofblf 40 Number of Amount of Each When PaymMils Prymerit schedule - XXp pagriulb 407.59 an sduo tarin 5 g 53 07117/2004 407 . Your paynum stdadida 1 %W $ eB be I] Prpsymwm H you pay off your debt aady, you veer not lava so pay a penalty. Lela Psywera: You "No pay a wit drape on are podidn at each payment recoh e0 more den 15 of ? amount or 325M, wrid-er I$ Mrs p pt ran a X =mnrs 5 ? g marknu m da r a r Security inmost You are oft a recently irramst in the vehicle being purcriased, Contras[: Please eN nib conics for aeaonal Intormahen on Soeunty interest nonpayment. dafaul, the item to require. npaymNt of your deal in kd belove ft. vaduW dale. -and prepayment pe new. Any changer this combed must be In writing and alpned by you and the creditor. :I{4flo awns YOU ACKNOWLEDGE THAT YOU HAVE READ AND AGREE TO BE BOUND BY THE ARBITRATION PROVISION ON THE REVERSE SIDE OF THIS CONTRACT. INSURANCE YOU MAY OBTAIN VEHICLE INSURANCE FROM A PERSON OF YOUR CHOICE. LIABILITY INSURANCE COVERAGE FOR BODILY NWURY AND PROPERTY DAMAGE CAUSED TO OTHERS IS NOT INCLUDED. CREDIT LIFE, CREDIT DISABILITY AND OTHER OPTIONAL INSURANCE ARE NOT REQUIRED TO OBTAIN CREDIT AND WILL NOT BE PROVIDED UNLESS YOU SIGN AND AGREE TO PAY THE PREMIUM aCredRLife N/A Insurer $ N/A Premium Insureds) Signsulws) Credit 0 Disability /A Insurer NIA Premium insured Signature ON/A NIA OVW Optional In ufance Term I Signature- - ) 1__ Leda Life and Credit Durability, Insurance we for the fern of the tmntratt Tin, arnouni and coverages am shown in a notice or aw"fma *0 ls you today. You are regiuad to hags do vehicle. If a cheap Is mown below. the Creditor and by to buy tla covaragea ehaWM hu ma term shoes. Coverages sB its based On You Cant lacer M the Iahkk at ems of love. but rat more than the knits of pro policy 13 Campre mswe ? $ N/A Deductible Coarbn O Fl.. Than-Cambkwd Aedieonel Coverage 13 T - aunt Law ? Taml',L _ Manyw (Psllnaht) Ikamlum a NIA Program No. QUESTIONS? NOTICE TO THE BUYER Do not sign this contract before you wad B or W It contains ew blank apaces You are sntiped to an exact copy of Per, contract you sign. Under rbe law you have the right to prey off in advance the hall amount due cwt to obtain a pedal refund of the finance slergs. B1eya (and Co-Buyert aoWeor that m axn"wwoarwly Nthis 92ah"L Buyer land Ca.BUreri reeely racelyed and rendava wbnrad s urn in Iaatw of b eed i- this a no to copy o1 th" contract 51Gx (cu) BUYM slaws BY sfpnln9 avow. the Seder accepts this contract. a n0 her p nomad In a separafe aaelgnmaM enacted t0 tMa cenilaaL Its Senn aoe?^?^ "p f i PLEASE CALL US AT 1400.727-7000 or Visa us at www.fcwdcredit.com 02-002 SEE BACK Fort ADCRIONAL AGAEELIEWs, '°'°'wra rr..,ww.mw. me,wsr?rars+/ " $PC PARAGRAPH E ON BACK ao EXHIBIT ORIGINAL cOU')0 IF ADDITIONAL AGREEMENTS A. Paylmft Ye mum mks d I . dwo Noy w de. I you an M dawn to Cm&w may require you b pay d atte Yw my p wo Y. debt r rty N??NMout N This Y • Finned. tlr ( Iq gMldllMlDl Ilb two unpaid d ?? ?? eaoMaal Tlr mAW b Cop 0 F h . b FYrrtoe CNpN arld d aYomr ellwl a wI tbmpNaO as Tow paytTaat o (Ws back) IN" do Wb He may S??YyNmMANONNtlNfNdNtdoNNdRrwlotGWrpFiHNITiMf^ .; I-- N YN?Iaufd M to whIdNON/E IOimbr Iran Ntan Nw mdrdtMd dtde or N imas o yn I" i e YOU. c.94: A : 3..?, Y) 31W p sonc ft wen d w d uprII pra So Remove Chmp oxI Yun"bIT 13 N M vow Is Wm bak, ON we wa you a nosom. Ms noNoN unPdd Amo W Fiw ws& The FYIIrtbN Clntpe is "mod by wo sWe eta you may wd"Mn ow bbd to vshW k wE mho allow On anwd naadod b w I - You may wd""m to pp?N?p M AMM PMDrdya Rats to ft t"o"ld Anbua nFi Nnood br Nu *. NW "Word M." FkL- N "bhkb W b M Wm ft Cndbr wet I or more" b ad L N - Nb vdYd", I wI b" soK you tb rwl to 12WWIOI -?Mii The many Imml•N'ab, Me to " 14a ,am be N a Saaaly ktMrmab YOU NN Cradbr a somicky ktorea k ht Gaud b pay NM amount rN owed an oft mead ANOwmd ti 1. The valold"MiddpMSwaNw po"dm pdtp•!tim vMokar " I we two PION e a drad wedt d m tg b wbla M "wan ? h0b R PwWw N for a" am ad k IawlwY law lad VW*k M: aM P AN naay or POO romeW for ft va log al L'a"tm PMmIMd by bw we aNOard, bo. I Now is any a. AN krta me g -,, w ad swAcs =*am It"traed W yea. - be l a Y TN" immummis Paymad d aawai" you owe in Nit tia4rlbt it also a your am apwwrww in Nob Coadwct aona - and oomM you wi tlw col" M r t Male tO pay oN 9 Pay wry t M 80 owed b Nb Credta. N you do nd pay #6 arttoua dun Na Crsd W asim to C mdbr may drape yw C. Ue d VW00 . WARRANiFi: You n o Wo w a • 001e a Ills IoINIy ' bwM tab wd yOU Pay. • PO vmhk b rtd OW d owe m udr4 L You may not eN or w o NW° ' - H. Cow-K Rap, 1 : You &*Wm Fad Mda Orso .K vmhbM, and you taus keg N hall ken MI tie- a o - raq'y wI Oa an or parr Nw use d No Laid" Glob Of ft lkit"S11 CdttprM ID t ,, , owm~ Orom a"Pa. Imm emwnw wpoom 29-Ims ("at btrwru) for any waen Mod at wry *no MOM MOW IM up b NO *p in Crude or Modtp ft In ON -NNW n wNh oft Coriwad. Prior vn-. ""rota a M CrNdla. M M vaHOW *ft cwWw Motw mmd em e ? Vold We mmdaslw,, ugm as w Nm wwwm* of maw ad . A bo, you may aw"M ad t1NO m m mNlllaI mN" 1 In vdddm Rwlb IO dvp kom M dW b oNlNr aNINCINd dlrtoM r www.bndaNl>RDOm. TM law of omrtwael. Tar ga IntpNN wearmnNN d mrdtenlleNKy AWeta 111114"11b Nob " -1 N the Mw doe not "Now d d and motes as a pmrlbtdr PNPe" aovamp ow vmMOM. 1111 aprarrwie in Nis coarael. IpRplolyyOmt we not dow"d .2 Mw ase, -AW-d wl W" dW thwG w 011 such kO yp" be void TM rest d Ndt Col mql wR aR be good. r Ud.?d[i P ENT AND ADMIISTRATIOIk Whew 1 _-- k to lfoMK f' ba or to ft d"map" vsomw1M "a aN Wow" wwsw a Cro* or a subaebae wI elvla m Cwwom you wow pay all be wmd by b ? 11 ? y ? N dus mnmft an kww anom or 1, Doawa a". M Nu t ? ffl I b. MR" MI w.A 1 h N N I W b 0 Cp?I?? ?11ptNb 1 i MNM Food ddmla Clddt'as ft m aw As a t Ply r you WA I` 2 - g . g p CHIMIEdMITN(AaM b ad on Hddaya bsmgvANdninbbr. A., ad"o". and dead Nis Col vsa N saw he &wood b mp* N a ahaga Iw vaddo humidor is sown an trod, to or m b Wn the Void". obah May brtwalc" or pwbam airy v k Y I k Sa i b o f l CIWea dN try b byr th" dbdrd for The Cmdw is no N"blm,?N M Gana rid ow "wv ou ai bo y w ow caw - m or on w 01, cm , COON may bW Nam for a "haw mn or ow may gme you FTC NOTICES ! cndt br Nb amolaa a mm I he aanot bW any kolamm, w NOTICE -ANY HOLDER OF THIS CONSUMER you credit ft the amoua dtomrt. The ewdd will be mad" CREDIT CONTRACT IS SUBJECT TO ALL CLAWS to No ba l b paymanb d. ue AND DEFENSES WHICH THE DEBTOR COULD E Lab ChmW Yw will how b pay a We dwoo on go ASSERT AGAINST THE SELLER OF GOODS OR 6 - .' ""aria paym"d --*ft arI Iwo Boat days W. Th" SERVICES OBTAINED PURSUANT HERETO OR dwps M tlloavo an Nb bate art w o pay any Coss pad WfTH THE PROCEEDS HEREOF. RECOVERY i by the Cwdhor b CoI"d any We psyWAK as allowrd by low. HEREUNDER BY THE DEBTOR SHALL NOT li Aa"ptrms of a big paywrm w law dwga doe net aweurs EXCEED AMOUNTS PAID BY THE DEBTOR o yow dare or mean Nri You man kwp ms - payffmo after HEREUNDER.' Hwy w dm The Oladbr may Wb Sn-sops ad bm fmoko N Nlew Is any dMwL _ yvu bwykg a Used Motor Vdit N : N Buyws GuId -- d t - F. Rsbaamd"C bma ChQgW You Wae to pay LhW44ft* P' ?I Fa?I rp=a a` W . toad a?.."lao m. ad dwq a Nzo to Iw mach ehrdt draA, « meter ordw a pay ayment O d f I di h wYtdow d eta vshkde. THE INFOpN1A YOU l,EE or any wsaaL w s s onore ON THE WINDOW FORM FOR THIS VEHICLE IS PART I WII: Yo You rib be F dsrdl k Q WWII: OF THIS CONTRACT. IVFORJ(IATIOH ON THE d s t. Yw d. Y- o not awb any prymsa ratan h M a t; « FORMM OVEINKM ANY CONTRARY n 2. Vw Nw boa w muted g triormaeon an y ] 30 wl b Nis contract « NOIr IV THE CONTRACT OF SALE. 3.Y Yow our w dicl" b etr11d by wry lOCel. Neb, w ladela 'Dort ON fitly N alwotrra"a for aarraarrdY r aNrbaawN e". b 111MwIY WA b act googly and wmnddm* b w Ma are. VOW (dahlor1 Will not ar"M gabs cry rdfne ar rWrr*bw arrrrd mate ta.wart awy abawe. Mrwr.rrtaRa 4. Yw M a ha atp¢y tbtrwwam is IMd aP„r you; or any b- 'f the Saw w wiAnw ft - as ar 5. Yal do not ke"p ay cow aWowmi in gds orrad. I N GUARANTY To arw M 8r"a b W sw Mina eaaoAbeO an sr burr d er aalbact b ar Mlyac all Cram. aam prawn who rpr twat a? a'Durraor BraMmw ewe paymwi d elMaamrd. Tar raw ar t ob Bnya MNa b pry MV nanny mMb arnq w tar aaeg4 lady rrs rib err web I we pap INRMa aah"d. Emh pmm web sob baaw opm M hs wI a U b ter M torte wad owed are I ano or are tetra paoar do sw a Ydi?Otwry. IM sate bpraas b be Yra ae I M Crv*W doom ae or owe of No blwnklo (a) Nsw In Buyer MOM On b pay one at mar" NayrrMr, or (b) om a MIraM in W w in part b rly of ft Deal OmoFdon. «(W lblrwa wry SQM*. Each Gumudw OW "tact awe he has reahre a aoaplraa copy d We oared wed air 9uwbdy at No welt of rIQ I - GvawlGa?3c t rotlrt•w Arr tnwr.+lrwrsMw.rt ao "PRN"` Ford Motor Credit Company P.O. Box 152271 IR VI NG, TX 75015-2271 (877) 896-7256 POAOOWOI00176 ERIN CRAMER 2751 SPRING RD CARLISLE PA 17013 Date of Repossession 05-25-2007 Date of Notice 05-30-2007 Date of Contract 06-02-2004 Account Number. 037113335 Buyer ERIN CRAMER Cobuyer KEVIN CRAMER DESCRIPTION OF PROPERTY Year 2004 Make FORD Q New ? Used Vehicle Identification Number: 1 FAFP38Z04W154792 Model FOCUS Body 4DR NOTICE OF OUR PLAN TO SELL PROPERTY We have your property described above because you broke promises In our agreement. x? PRIVATE SALE: We will sell the property described above at ? PUBLIC SALE: We will sell the property described above at public private sale sometime after 10 days from the Date of Notice sale to the highest bidder on the date below (or any adjournment shown above. date). The sale will be held as follows: Date of Sale Time of Sale Place of Sale You may attend the sale and bring bidders if you want. 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 owe, 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. To learn the exact amount you must pay, call us at the telephone number 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. If you need more information about the sale call us at the telephone number above, or write us at the address above. We are sending this notice to the following people who have an interest in the property described above or who owe money under your agreement: 1) The buyer and any cobuyer named above; 2) Any dealer/original creditor named below; 3) If there are other people, they are named on an attachment sent with this notice. ? The property has been (or will be) returned to: (dealer/original creditor) Under our agreement with your dealer/original creditor, the dealer/original creditor is to sell the property and pay you any money left over. If you owe money after the sale, you will pay # to the dealer/original creditor. EXI PERSONAL PROPERTY: Any personal property found in the vehicle may be reclaimed by you within the next 60 days or, in accordance with state law, by contacting this office. Thereafter, the personal property shall be disposed of accordingly. ? Creditor has assigned to its qualified intermediary (QI Exchange, LLC) its rights (but not its obligations) with respect to the sale of each vehicle listed above. PAYMENTS: All payments to us must be by certified check or money order. MILEAGE DISCLOSURE: If you are aware that the mileage reflected on the vehicle's odometer is not accurate for any reason, please contact us so that we can accurately report the vehicle's mileage. INSURANCE RIGHTS: If you donl want to get your property back, call the insurance company or the dealer/original creditor to make sure that any insurance has been cancelled. You have a right to get credit for all premium refunds. TAP1r% RM RBAOOI C EXHIBIT FFNA 11988 Jan 02 Previous editions may NOT be used. of Printed in U.S.A. P .""PRN- Ford Motor Credit Company P.O. Box 152271 IRVING, TX 75015-2271 (877) 896-7256 POAOOWDOI OO195 KEVIN CRAMER 3136 OPAL DR HIGH RIDGE MO 63049 Date of Repossession 05-25-2007 Date of Notice 05-30-2007 Date of Contract 06-02-2004 Account Number: 037113335 Buyer ERIN CRAMER Cobuyer KEVIN CRAMER DESCRIPTION OF PROPERTY Year 2004 Make FORD Q New ? Used Vehicle Identification Number: 1 FAFP38Z04W154792 Model FOCUS Body 4DR NOTICE OF OUR PLAN TO SELL PROPERTY We have your property described above because you broke promises in our agreement. ?x PRIVATE SALE: We will sell the property described above at ? PUBLIC SALE: We will sell the property described above at public private sale sometime after 10 days from the Date of Notice sale to the highest bidder on the date below (or any adjournment shown above. date). The sale will be held as follows: Date of Sale Time of Sate Place of Sale You may attend the sale and bring bidders if you want. 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 owe, 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. To learn the exact amount you must pay, call us at the telephone number 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. If you need more information about the sale call us at the telephone number above, or write us at the address above. We are sending this notice to the following people who have an interest in the property described above or who owe money under your agreement: 1) The buyer and any cobuyer named above; 2) Any dealer/original creditor named below; 3) If there are other people, they are named on an attachment sent with this notice. ? The property has been (or will be) returned to: (dealer/original creditor) Under our agreement with your dealer/original creditor, the dealer/original creditor is to sell the property and pay you any money left over. If you owe money after the sale, you will pay it to the dealerloriginal creditor. Q PERSONAL PROPERTY: Any personal property found in the vehicle may be reclaimed by you within the next 60 days or, in accordance with state law, by contacting this office. Thereafter, the personal property shall be disposed of accordingly. ? Creditor has assigned to its qualified intermediary (QI Exchange, LLC) its rights (but not its obligations) with respect to the sale of each vehicle listed above. PAYMENTS: All payments to us must be by certified check or money order. MILEAGE DISCLOSURE: If you are aware that the mileage reflected on the vehicle's odometer is not accurate for any reason, please contact us so that we can accurst* report the vehicle's mileage. INSURANCE RIGHTS: If you don't want to get your property back, call the insurance company or the dealer/original creditor to make sure that any insurance has been cancelled. You have a right to get credit for all premium refunds. TODD M. MARBLE FFNA 11988 Jan 02 Previous editions may NOT be used. CUSTOMER/CUSTOMER FILE Printed in U.S.A. Name and Ad&m of Sander OWA tyv or nuvim nm+c wmv f Lason crnn.a a RMadNIDek"OMN.WWW) a coo a ""oMbrye loft owacift d °'"°"moon" MAY 3 OD?1...fta.E" 0 ZW7 381?n Amrh^in a 0*4"cafteown a RdwmRowfNNar . M.tl a &VAboo canomrbn a mm and r' fr ? DO of _. ?.Mr+.w-?- ('MlM?IMglSSMCGbt?CR8Li4W) Po.bs. FN t Adu/tVft•M IMNaa DwSNww oc FN N 1 • U0528120820147 EI-040737363 MITCHELL J. . IB 6 ? 7007 0220 0002 7256 9940 - R D A 1 - 2. NN M 66051 60529l20620148 EI.0400217t5 , - _ - 0002 7256--9957 - 7007 0220 DDD2 _? `39d? -- 052912o6?A t 3 JOHN M. FRESE _ 0220 7007 EK 4661 MfMOSA LN PAMELA K. HICKMAN HIGHRIDGE MO B3049 138 N WHITE AVE KANS,4SC" MO 84123 I I ERIN CRAMER 7007 0220 0002 7256 4964 27615PRING RD U052W208MI52 7007 0220 DDQ2 7256 qA CARLISLE PA 17013 - -_?) EK-040589233 '-'-"--- b. • _ CHRIS E. BAUMANN 7 7;.c.c ESTATE OF 10505 GARNETT ST # 36 6.' U052W20620150 - EI-031786917 ROBYN N. JARRETT 7. 45 BLUEBERRY DRIVE IBERIA MO 66486 7007 0220 0002 7256 9971 tR N I It 1 - ?r II .. I i t Us Prlvsay Ad $bAw m11 on Rswms Name and AdGns of Sender CMck or o"ce: AfAx StwV Here Lason 0 RemnW04IN"Yn"IemetWne, 0 r"''""dK armewa 3R1?`? Arnrl?Ci1 O WD O DeevoycwAmstbn o RooWrerMw&andiee 0*a ad~ arums W9 Ml 48150 ct;u j• 0 EXPV M.II 0 soft"cenemNmn h d R and , L :: In imoad Da UIgCJf'LUtl'LU1tIb Orre.%vK fay, smke &LPCOdy Poops Fee Ilandln9 CH-0307W68 G1e1a 1. WALTER S. BLAKE _ _ 7007 0220 0002 7257 0847 307 N HOSKINS l CHARLOTTE NC 28218 x 70D7 0220 0002 7257 0854 U0529/20620169 EI-031786917 3 ' U052V20820188 DERRICK L. JARRETT . QUADLENE42 H. JAMES I 45 BLUEBERRY DRIVE 3385 MCKINNON RD IBERIA MO 66486 FAYETTEVILLE NC 28312 U0529P20820170 KM-041139582 KENNETH J. HIGGS U0529@0820167 7007 0220 D002 7257 0861 5385 MY 297 EI-00021715 --? VIDALIA GA 30474 NICOLE M. FRESE L 354 EMERSON .. HIGH RIDGE MO 63049 i 8. 7. U0529120820168 7007 0220 0002 7257 087 KEVIN CRAMER 3138 OPAL DR 8. HIGH RIDGE MO 63049 ' I - MAY 3 4 ZUDII E dNl WAN Ineuwe Do* 90der DC $C SM RD RR 7007 0220 0002.7257_08&5--- y ? I 7007 0220 0002 72570842 Raoelwd of Peel Me . I - - - I See Privecy Act Stetemerlt on RlYMN FORD MOTOR CREDIT COMPANY P. 0. BOX 152271 IRVING, TX 75015-2271 DATE: July 9, 2007 KEVIN CRAMER 2761 SPRING RD CARLISLE, PA 17013 STATEMENT OF SALE Account Number. 37113335-EI The following property has been sold. Year Make Model Vehicle Identification Number: 2004 FORD FOCUS 1FAFP38Z04W154792 Balance owing on your contract (1) $ 11.056.26 Deduct: Finance Charge Rebate (2) $ 0.08 Balance less Finance Charge Rebate (1 - 2) (3) $ 11.056.25 Deduct: gross proceeds of the sate (4) $ 7,700.00 Balance less gross proceeds of the sale (3 - 4) (5) $ 3,358.25 Add: Expenses of retaking and storing, and (6) $ 820.00 any attorneys' fees allowed by law, and expenses of reconditioning and selling. (?) $ 0.00 Deduct: Insurance Premium Rebate (g) $ 525.61 Other: (9) $ 3,652.64 Deficiency" Surplus' (10) $ 0.00 The Surplus/Deficiency will change based on monies received by us (credits) or additional allowed expenses & 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. 0. BOX 6506 P. 0. BOX 55000 MESA, AZ 65216.6508 DEPT. /194-101 (800 732-2264 DETROIT, MI 48255-1941 EXHIBIT FFNA11990 01M Preftw edltlMs may NOT be u"& FORD MOTOR CREDIT COMPANY P. 0. BOX 152271 IRVING, TX 75015.2271 DATE: July 9.20D7 ERIN CRAMER 2751 SPRING RD CARLISLE. PA 17013 STATEMENT OF SALE Account Number. 32113335-EI The folowing property has been sold. Year Make Model Vehicle Identification Number. 2004 FORD FOCUS IFAFP38ZD4WIS4792 Balance owing on your contract (1) $ 11.05A25- Deduct: Finance Charge Rebate (2) $ 0.00 Balance less Finance Charge Rebate (1 - 2) (3) $ 11.058.25 Deduct: gross proceeds of the sale (4) $ 7.700.00 Balance less gross proceeds of the sale (3 - 4) (5) $ 1358.25 Add: Expenses of retaking and storing, and (6) $ 820.00 any attomeys' tees allowed by law, and expenses of reconditioning and selling. $ 0,00 (7) Deduct: Insurance Premium Rebate (g) $ 525.61 Other: (9) $ 3.652.64 Deficiency" (10) $ 0.00 Surplus' The SurplualWdency will change based on monies received by us (credits) or additional allowed expenses & 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. 0. BOX 8508 P. 0. BOX 55000 MESA, AZ 85216.6506 DEPT. t194-101 DETROIT MI 48255-1941 (800 732-2264 , FFNAI INO OVP PMOM eftwsmayHOTbeused. 'bk 00 09 A I N zil SHERIFF'S RETURN - NOT FOUND CASE NO: 2008-01674 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND FORD MOTOR CREDIT COMPANY VS CRAMER ERIN ET AL R. Thomas Kline Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT rID TMUD VD TNT but was unable to locate Her in his bailiwick. He therefore returns the COMPLAINT & NOTICE , the within named DEFENDANT , CRAMER ERIN 2751 SPRING ROAD CARLISLE, PA 17013 DEFENDANT'S CURRENT ADDRESS IS 474 OLD FEDERAL ROAD SHORTER, AL 36075. NOT FOUND , as to Sheriff's Costs: So answers: Docketing 18.00 Service 4.80 Not Found 5.00 R. Thomas Kline Surcharge 10.00 Sheriff of Cumberland County .00 37.80•-MAURICE & NEEDLEMAN 0/26/2008 Sworn and Subscribed to b fore me this day of A. D. SHERIFF'S RETURN - REGULAR CASE NO: 2008-01674 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND FORD MOTOR CREDIT COMPANY VS CRAMER ERIN ET AL NOAH CLINE , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon CRAMER KEVIN the DEFENDANT at 2020:00 HOURS, on the 20th day of March 2008 at 2751 SPRING ROAD CARLISLE, PA 17013 by handing to KEVIN CRAMER 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: So Answers: Docketing 6.00 Service .00 Affidavit .00 ?- Surcharge 10.00 R. Thomas Kline .00 16.00 ? 03/26/2008 2al MAU`.RICE & NEEDLEMAN Sworn and Subscibed to By: before me this day Deputy Sheriff of A. D. MAURICE & NEEDLEMAN, P.C. Attorneys for Plaintiff 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 FORD MOTOR CREDIT COMPANY, A CUMBERLAND COUNTY COURT OF DELAWARE LIMITED LIABILITY COMMON PLEAS COMPANY Plaintiff CASE NO. 08-1674 V. ERIN CRAMER AND KEVIN CRAMER Defendant(s) PRAECIPE TO ENTER JUDGMENT TO THE PROTHONOTARY: No answer having been filed in the above Civil Action, kindly enter Judgment in favor of Plaintiff, and against Defendants, ERIN CRAMER AND KEVIN CRAMER in the amount as follows: Principal Amount $ 3652.64 Interest to Date $ 357.15 Costs $ 132.30 Attorneys Fees $ 0.00 TOTAL $ 4142.09 MAURICE D E N, P.C. BY: CHWENE A`TATLOR, ESQ. Attorney for Plaintiff Date: August 13, 2008 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 Attorneys for Plaintiff (11J) /2Sy-/lbl FORD MOTOR CREDIT COMPANY, A DELAWARE LIMITED LIABILITY COMPANY Plaintiff V. ERIN CRAMER AND KEVIN CRAMER Defendant(s) CUMBERLAND COUNTY COURT OF COMMON PLEAS CASE NO. 08-1674 CERTIFICATION OF NOTICE TO ENTER DEFAULT JUDGMENT It is hereby certified that a written Notice of Intention to File the Praecipe was mailed on 6/25/2008 to Defendants, ERIN CRAMER AND KEVIN CRAMER, against whom judgment is to be entered after the default occurred and at least ten (10) days prior to the date of the filing of the Praecipe. A copy of said Notice dated 6/25/2008, a copy of the mailing to the Defendants and affidavits of service are all attached hereto. MAURICE BY: LEMAN, P.C. Cft'ARLENE A. TAYLOR, ESQ. Attorney for Plaintiff Date: August 13, 2008 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 Attorneys for Plaintiff (215) 789-7161 FORD MOTOR CREDIT COMPANY, A DELAWARE LIMITED LIABILITY COMPANY Plaintiff V. ERIN CRAMER AND KEVIN CRAMER Defendant(s) CUMBERLAND COUNTY COURT OF COMMON PLEAS CASE NO. 08-1674 CERTIFICATION OF ADDRESSES It is hereby certified that the parties have the following addresses: Plaintiff. FORD MOTOR CREDIT COMPANY P.O. Box 6058 MESA AZ 85216 Defendant: ERIN CRAMER AND KEVIN CRAMER, 2751 SPRING RD, CARLISLE, PA 17013 MAURICE & BY: 1P.C. CHA LINE A. TAYLOR, ESQ. Attorney for Plaintiff Date: August 13, 2008 062S0005S83191 k Z o - g C? a - w _ Z .:.i W Lc) < ?1NU -- U CL ce) W Z t- W U CL ZZa 06 Ul 0- W CL UW W C] -00 0) Q. Attorneys at law Suite 935, O no Penn (enter 1617 John F - Kennedy Nrd. Philade f phia, PA 19103 te1.21S.665.1133 fox 215.563.6970 www.mnlawpc.com Donald S. Jlowice Member NJ Bar Board certified creditors' Bights Law American goad of certifimNan Joann Needleman Member PA a NJ Bar Thomas B. Domieaylt Member NJ, NY 8 PA Ba (harlone A. Taylor Member PA Bar June 25, 2008 KEVIN CRAMER 2751 SPRING RD CARLISLE, PA 17013 Our File No. 6992 RE: FORD MOTOR CREDIT COMPANY, A DELAWARE LIMITED LIABILITY COMPANY v. ERIN CRAMER AND KEVIN CRAMER CUMBERLAND COUNTY COURT OF COMMON PLEAS, CASE NO. 08-1674 Dear Mr. CRAMER: Enclosed please find a ten (10) day notice of default which is self-explanatory. This is being served upon you due to your failure to respond to Plaintiffs Complaint served upon you on 3 / 20 / 2008. Unless an answer to Plaintiff s Complaint is filed with the Court within ten (10) days from the date of this notice, a default judgment may be entered against you. If you would like to discuss a resolution to this matter, please call our office at 908-237-4571 and ask for Kim Crosby. Thank you for your prompt attention to this matter. Very truly yours, MAURICE & NEEDLEMAN, P.C. Esq. Maw Jersey Office Maurice b NaedMmon, U. Suite 2007 5 Writer E. Fenn ovd. Flemington, NJ 00022 tel. 901137.4550 fax 906.237.4551 e CT/jm Enc THIS CORRESPONDENCE IS AN ATTEMPT TO COLLECT A DEBT, .INFORMATION OBTAINED WILL BE USED=- FOR THAT PURPOSE. THIS FIRM IS A DEBT COLLECTOR MAURICE & NEEDLEMAN, P.C. Attorneys for Plaintiff 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) 789-7155 FORD MOTOR CREDIT COMPANY, A CUMBERLAND COUNTY COURT OF DELAWARE LIMITED LIABILITY COMPANY COMMON PLEAS Plaintiff CASE NO. 08-1674 v. ERIN CRAMER AND KEVIN CRAMER Defendant(s) IMPORTANT NOTICE TO: KEVIN CRAMER DATE: June 25, 2008 2751 SPRING RD CARLISLE, PA 17013 YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY AN ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER - -- IF=YOU CANNOT- ? HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE- YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGLE PERSONS AT A REDUCED FEE OR NO FEE: CUMBERLAND COUNTY BAR ASSOCIATION LAWYER REFERRAL SERVICE 2 Liberty Avenue, Carlisle, PA 17013 (717) 249-3166 , P.C. MAMYLORESQ BY , Attorney for Plaintiff 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 Attorneys for Plaintiff 1S) /tSy-/161 FORD MOTOR CREDIT COMPANY, A DELAWARE LIMITED LIABILITY COMPANY Plaintiff V. ERIN CRAMER AND KEVIN CRAMER CUMBERLAND COUNTY COURT OF COMMON PLEAS CASE NO. 08-1674 AFFIDAVIT OF NON-MILITARY SERVICE STATE OF PENNSYLVANIA COUNTY OF PHILADELPHIA SS. I, CHARLENE A. TAYLOR, ESQUIRE, being duly sworn according to law, deposes and says that she represents the Plaintiff in the above entitled case and that Defendants, ERIN CRAMER AND KEVIN CRAMER, are over 18 years of age; the occupations of Defendants are unknown and to the best of Plaintiffs knowledge, information and belief, Defendants are not in the military service of the United States, nor any State of Territory thereof or its Allies as defined in the Soldiers' and Sailors' Civil Relief Act of 1940 and the amendments thereto. MAURICE nLENEA. .C. BY: CH R, ES Q. Attorney for Plaintiff SWORN TO AND SUBSCRIBED before me this / 5-day of , 200-6 Notary blic a CRY Philadelgtla, ?N Pub110 Member. Penn*wla As?o?latbn o! Net?¢ee MMomm F?ENN51LY My (aonrrdeaion 6q?r?Ju1 ?ZO, wj* 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 Attorneys for Plaintiff (2- 1.-)) /6y /161 FORD MOTOR CREDIT COMPANY, A DELAWARE LIMITED LIABILITY COMPANY Plaintiff V. ERIN CRAMER AND KEVIN CRAMER Defendant(s) CUMBERLAND COUNTY COURT OF COMMON PLEAS CASE NO. 08-1674 AFFIDAVIT OF MAIL SERVICE STATE OF PENNSYLVANIA SS. COUNTY OF PHILADELPHIA I, CHARLENE A. TAYLOR, ESQUIRE, being duly sworn according to law, deposes and says that she is an attorney at law and that on 6/25/2008 she mailed a written Notice of Intention to File the Praecipe to Defendants, ERIN CRAMER AND KEVIN CRAMER, at 2751 SPRING RD, CARLISLE, PA 17013 by regular mail. MAURICE & EDLEMAN, P.C. BY: CH &AA, ESQ. Attorney for Plaintiff SWORN TO AND SUBSCRIBED before me this/5-day ofh, 200` Notary Public L MMONWEALTH OF PENNSYLVANIA Normal Seal AWw BONV4, Notary Pd* ? c«t?Ex0M R*dWft 0"* J8rL 20, 2009 MembAr, Pennsylvania Association of NotaAes r-a L T ? f \? ?}L.-' ?.1 r tl? 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 Attorneys for Plaintiff (215) 789-7161 FORD MOTOR CREDIT COMPANY, A DELAWARE LIMITED LIABILITY COMPANY Plaintiff V. ERIN CRAMER AND KEVIN CRAMER s CUMBERLAND COUNTY COURT OF COMMON PLEAS CASE NO. 08-1674 (X ) Notice is hereby given that a judgment in the above-captioned matter has been entered against you in the amount of $4142.09 on g pg (X ) A copy of all documents filed with the Prothonotary in support of the within judgment is enclosed. ?C4 Prothoga er c by: If you have any questions regarding this matter, please contact the filing party: Name: Charlene A. Taylor, Esquire Address: Suite 935, One Penn Center at Suburban Station 1617 J.F.K. Boulevard Philadelphia, PA 19103 Telephone No.: 215-789-7161 (This Notice is given in accordance with Pa.R.C.P. §236) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FORD MOTOR CREDIT COMPANY, a :No. 08-1674 Delaware limited liability Company Plaintiff VS, rnm w - :CIVIL ACTION ' { ERIN CRAMER and KEVIN CRAMER p Defendant 7j }- r? .. - _w PRAECIPE FOR SUBSTITUTION OF COUNSEL . .? rv TO THE PROTHONOTARY: Kindly substitute Lloyd S. Markind, Esquire of the law offices of Sklar - Markind, 102 Browning Lane, Building B, Ste 1, Cherry Hill, New Jersey 08003 as counsel for the Plaintiff in the above entitled matter. 'The undersigned hereby consents to this substitution. Lloyd S. Markind, Esquire Superseding Attorney Sklar - Markind 102 Browning Lane, Bldg B, Ste 1 Cherry Hill, NJ 08003 ID # 52507 "jaE??i w Joann Needleman, Esquire* Withdrawing attorney Maurice & Needleman, P.C. 935 One Penn Center Philadelphia, PA 19103 ID#74276 Dated: January 23, 2013 Dated: January 23, 2013 * Signed with permission of Joann Needleman, Esq. FILE NO.: FT 111642