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Home My WebLink About04-1509 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA CIVIL DIVISION GENERAL MOTORS ACCEPTANCE CORP. Plaintiff No. 04 - /SOq C.'llJ~L~~ vs. COMPLAINT IN CIVIL ACTION GLORIA J. SCHELL AND CHARLES H. BAENIG Defendants FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: WiUiam T. Molczan, Esquire PA!.D. #47437 WELTMAN, WEINBERG & RBIS CO., L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#03329235 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CNIL DIVISION GENERAL MOTORS ACCEPTANCE CORP. Plaintiff Civil Action No. 04 -ISD'j GLORIA J. SCHELL AND CHARLES H. BAENIG vs. ~v.L'T~~ Defendants COMPLAINT IN CIVIL ACTION AND 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 and notice are 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 OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty A venue Carlisle, P A 17013 (717) 249-3166 COMPLAINT 1. 48098. Plaintiff is a corporation having offices in 5700 Crooks Avenue, Suite 301, Troy, MI 2. 17055. Defendants are adult individuals residing at 1001 Nanroc Drive, #22, Mechanicsburg, PA 3. On or about June 12, 2001, Defendants duly executed a Retail Installment Sale Contract (hereinafter the "Contract") in favor of Faulkner Harrisburg, Inc., a true and correct copy of said Contract is attached hereto, marked as Exhibit "I" and made a part hereof. 4. Pursuant to said Contract, Defendants took possession of the vehicle more particularly identified in the Contract as a 2001 GMC Jimmy. 5. Pursuant to the terms and conditions provided by the Contract, the Contract was assigned from Faulkner Harrisburg, Inc. to Plaintiff. 6. Plaintiff avers that Defendants are in default of the Contract by having not made payment to Plaintiff as promised, thereby rendering the entire balance immediately due and payable. 7. Plaintiff avers that a balance of$1O,581.75 is due from Defendants as of March 12,2004. 8. Plaintiff avers that the Contract between the parties provides that Plaintiff is entitled to interest at the rate of6% per annum. 9. Plaintiff avers that the Contract between the parties provides that Defendants will pay Plaintiffs reasonable attorneys' fees. 10. Plaintiff avers that such attorneys' fees amount to $1,000.00. 11. Although repeatedly requested to do so by Plaintiff, Defendants have willfully failed and/or refused to pay the principal balance, attorneys' fees, interest, or any part thereof to Plainti ff. WHEREFORE, Plaintiff demands judgment against Defendants, Gloria J. Schel1 and Charles H. Baenig, jointly and severally, in the amount of $1 0,581. 75 with continuing interest thereon at the Contract rate of6% per annum from the date of judgment , plus attorneys' fees of$I,OOO.OO and costs. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. WELTMAN, WEINBERG & REIS, CO., L.P.A. Wj~~ PA!.D. #47437 WELTMAN, WEINBERG & RElS CO.. L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#:03329235 HIlS CllNflUlU rNrLUDL rHHlDlIll RlD[1l LnOrLro '(;MIW 'iMnrn Hli I ~ I RETAllINST~ENTSALECONTRAC. T ~ 'M, I mil . DealIlfNUmbeft.jlo,q; Contract Number lMqt \J C7TD Buyer (aM CO-Buyer)-Name and Address (Indode CoUnty aM Zip COdel SelJar (Cred~or) Name and Address f:;tORIA J !iCHE.ll. CHMU:i 11 lInENr(; I OOI-;>l NANflflC OR MrCIlANH.:smmr-j PA 170::;:, r-AUI_I{Nr-:f~ HfIRRr[.I-IURG. 1M:. 20[,0 PAHON STltrCT Hr:1RR I fjflURG DA 111 ;'J~j You.1he Buyer (.nd Co-Buyer, if .ny). mey buy tile vehiCle oescribed belQw/ofcuh O(on credit. The cash price is shown below in the .ltemization 01 Amount Finanold"' at "Cash Price~ TtlII credit price is shown bfIow in !he F8dem1 TI'UIh-In-Lending Oisdoaures IS "Tolaf Sale Price: By Signing this contract. y(lU choose 10 buy the vehicle on crediI uncI8r Il'leagreementsOl1 the Iront.ndbackol lllis contract. .YOU- and "yOIJr" refer to you. tile BlIY9f. and any Co-Bu)'tlr. .We.. 'Us. and "Ouf.relllfto the Seller named above and to anyone 10 whom the Seller assigns this tontract. SeIltv~loassig(llhi$CQI1tracltoGenl!l'a1MototsAccepl.arx:eCorpClfation(GMAC) ~orv~.YOllaQreelobuyandWflagreeloselllhetollowingViJhicIc -~""" I Vow I MakelllldModel I BodyT"" I Vehicle ldentilication No. N('IJ 01 GMC SW IGKCTlRW7l/(l7lt57e r./'lf JIJIf IItrVCk--Oesc:rtlebodyandmajoritemso1equipmentsold: I U"I,,_h',,"""" ~ )(]personal Oagricullura! ObIJsmass 0__ FEDERAL TAUTH-lN.lENDlHG QfSClOSURIOS ANNUAl PERCENTAGE RATE TMeoIlofrourCfedilas. """- 2'.90 "" FlHANCE CHARGE 'The doIlIr ImOUnt thecredil will cost "... Toc.!of P.y_1s The.rnount you will ha.... paid liter you haWI made.W pay. ments as scheduled. 30573."0 Toc.lSalePrlct Ttw Iolal cost 01 your purchase onaedlt.iocIudingyour(lown- paymernol$ r.~:). '-J:) is S; .Hrc":;I.b.l _A_ The ImOUnt 01 credit provldedlorouoron -_. I; 2'8602.36 . l'-ln..l" , Your II'ayftIent Sc:MduIe WIll": I NunDlrof PI~ I Amount 01 Paymenlll I WNtn P'ymentsAre Due .u:l 4bl.b~ MonlhI)'beginnklgl" .lllL ~I 1 FINRt 1.l(IYHrNT OF lJil.11. 00 our ON IZ SEP 200lt Lltl'a..ve.If.paymeIltil nclIpaidlnluUwithln 10 dayt aItM It Isdul, you wIlIpay.Iate~. Hille vehicle purchased is. heavy commert'ial molor vehidI." cNrge will be ,,% of the amounl of the payment that Is d. II the 'tIhlde purdlued is ofI.h1gIlw'y business or farm equipment. the cNll'Q8 .... 1% of,. arncunt of Ihe payment 1IIllII1s.... ClCherwlIlt, the chllrge wllI be 2% per month on !he alTlOUl'lt oflhe payment lhat is late. computed on ..__"'....~monthforany!radionllmonlhperlodln.lCCltRoIl0days. ............. . you PIIY off ")'OWdebc -.fy you may be Il'ItllIedto arWnd ofpertoflhe finencechllrge. .....,....... you..QMng.eecurityll1terntlnIheY8hlol8b1ingpun::hased ...........lInrornuIltot1:SHlheotf1er_o1\t111cont~lormore~includitlg information aboutno~yrnef'll.defaull, any required repaY' mentlnlullbelorethe~leddate,prepaymenlralundlandsecurityinleraet, QrasFollows: fTDIZATION Of' AUOUHT F1NAHCID ic-.Prloe(tnc::lucin;lrl'(eoceaeorieS,l8rviolts,.ndlllXaSl IToWOownpayInenI_NeITI'8dlt1l$ (,''1:1. q:l +0lher(Dnc::rbt) YowTradle-iniM DiElJRnI ET '(ear Make . 28:.i0l'l. ~ll'l (11 ... Cash Oownpeyrnent S . . /,:,:,.',1:'(2) -- ~Unpelda.r.nc.ofCMh~(1mird21 .. OlhIra...,..jndudIng AmourM PaId to~on "- BehIIl'{SeIIwmav bebllp/rlg pM ofthclM 1JYlOllnta.): ..==-~~~=~':::"Nuw1oICompa.,yNarnedinll1e $ N/r:1 -. CofIoI~~FIepIIr~f>aldto"InIcnnoICompanyNamedIn" InIInnGI s.crlon. Below-Cowmg c.n.In Mechri:laI Flepelrs 2'lBlt4. 0:j (3) . . N/A "'-c eo.eorC/pllonllCradilllfeerd'orAl::eldenlendHeallhlrllurancctforll1eTlmlof!hilContraclPaid to"Nuranoe~or~NemedIn""~Seclion.8eIow. ..... DIMbIiIr.Aoc:ldIntendHeallh$ DOI'IIc::lIIFMlPlldtoGovvtMlltlAqencit8 I T.....Nr:ltIncb:led...c..nPrloe '~I.JcenM_IorAilQlltnlllon,....~) . GowMlIlwttc.-=-afTlh.... .-a.vn_-_-...-.~....-_) 1=.eu..~R PONTIAC ISUlU "\VARY H.b h .. TOIIlc:llMrC/leroMnMlounlsPeidIOOIhersonYOIJI'BehaIf .~FinInced-lJrIpeIds.lenoe(3+., { .-..-.. =:::::::r:. 7r_Sllance-TollllofPa~(5+6) . .PI,.,..mSchedule:~lnIlIiImenIlIoI$ 4f>1.f,~each.fTlOI'IlhIybeginnll1ll 1,' lln :'illlllt orlltcheduledpayrnenla....ilfagulerorllf1lV8rl, (Mo.) (Diy) (Yr.) atlrdclnclln\tleFedefllT~DiIcIoalreII,Ibove. . . . . . 10.4'lA E."C',0f:. 18.1':0 22.50 . . fl5.~ N'A /:'Il..i:(4) 2Ubl',.'. 3b (5) l'JII..S4(6) J0~lj./0(7) . . I . .............enrirllurencelschlckeclbelow,thepo4icieaorcerlilCatelluuedby\tle~n.medwillde$atJelhetermsandcondltlons. .............,.... 0IINIe........ w. ~ w.l you '- physical dan\IIge ""OpUonaI MechenIc8l RepaIr 1nIurance. We have shown "*"'-. Youm.yobllinlthm~youMW1twl1o"eclO8pliIIbIetoUl. We"'" ItWCOftoflhll~1n4Boflhel&emiullottofArnolJnt IIIoWI'IIlw<<*oI1hlf,"",ranceln<fAoI1tlfflenWz~oIAnl<lunl~, FilWlced,IlbcM. _. ........,.~ ml Term:1'tffl'-rnonlhI 'rlIlriIrIoa~ ~un o. OII4IcCIIIItColilblencl'-': O~_",,,i'IdldIgFn, TheftwCordJlnedAcldltlon.reo-ege O._Oeduc:ltllieeo.~"......,.:",Includin(fFlrtt.ThellendCornblntod -- [JFire,Thefl:IIIldComblnedAddllional~ OpIIorW.....,-QTCl'oIWlgendL.tlorQOets QRMIi~ OCBRedioEqujpmenf ~CNIII""'_k1t MctdInI_ ,........... w.cSo notrequlra you 10""'" CdCItIile ~ll'IdcrNt Kddent and hMhh InsUr- MOIloobCllnONdl. W."nolprQ\'ldl'lIwm .....you.for...end..,..Ior-r1hl UlIlIoneIClOIl !lJ'OUWWtI.... ineurMce, d1eck1hl /netQnce ""_..beIow. .rouhawdloMrl..........,..OOIH..__ ln4CCII"'lamiuIIondAmounl~ iIboWI. ChedlIhe..............,: 0 lh (8uyerO Co-AIywD) QDIIIbIty,AoddenI:andHMllfl(8ur.rOnly) Term:C136l1lO1ffhf;or36.ooomllel,whicheYefoc:eura~t'It Term:C1 fUll D$25Oeduc11bleOS50OeducllbfeO'_OecIuclibfe (Nwne CII Nurar-UIe) (Holne'Oftioe~, ,..,.or~.H) 'fllIepoIIcIr..,.,MIOUIIII....OIl..00nhdup10$ (Home 0Illce AdchsI) Al'Pf/ltNN..: I DESIRE TO 08TAf\I THE CREDIT llFE AHO.'OA ACCIOENf AND HEAlTH INSURANCe ~ AMV!' FnR TI-IE PER!';()NI ;;!: ~;::: ;\11;: i;i,ii' '~r:: ~~... till l~ I'W j,~1 r ~ ~;; ;',:; \:lli; ,;/ 'i): . -. , EXJ1':BIT I' " Ll'tea..rg..lflpaylTIenlisllOlpaidinfullwithin10daysaflerlfisdrlillpay.latechar{l(l,lftllevehidepurchasedisa heavy commercial mOl0r ~. Ihe c/IaIgEI will be 4% 01 tile amount 0# Ihe paymenl rMt is la valliela purchased is oIf-tlighway busif\9sS Or larm equipment the charge win j)lJ 5~ oIlhe amount 01 the paymerrt that islale Olherwisa, lhe cha.~ c;1n be 2",(, per month on the amOlln! of the paymltr'lllhatIS lale, compufed on IllebasisofafullClller1darmonthforanylractionalmonthperiodine~cassof 10days. ~tlf)'OLlpay.oIfaMyourdeOlearfyyOUlTllybe.nlilledfoarafundofpa"oflhelinancecharge Secutfty In..... You are oWing a UQ.lrily inlerest in the ....hiclB being purchased .t.ddItIoMIlnfomuItIon: See /he other side 01 this CQ(Itract for more information including inlormation aboul nonpayment. delaull. any required repay menl ir'I full before file scheduled dale. prepayment refuf1ds and security inferest ITEMlZAllON Of AMOUNT FINANCED 1 Cash PIice (including any accessories, services, and fa~es) ZTolal~yment_NefTrade-in$ (,')''!.';') .. Other (Dflcril)e) !.';lur Trade-in ifill I:IIFVROl 1"1 -' 'n:,(.'I(.'-, ('''.' (f) .. Cash Downpaymenf $ . """(2) Model -' -' <'i1i'o(I,/':;(3) Make 'A' 3 Unpaid BaIaflce of Cash Price (1 minus 2) .. OtherC/larges /nefudlrlg Amourlls Paid 10 0lI>eB on Your Behalf (Seller II1llY be keeping part 01 lhasa affi(ltl(lf5.): ... CosI of Required Physical Damage Insurance Paid to /he Insl)rance COmpany Named in the IJ ' InsuranDI Section, Befow-COvering OImaQ81O the Vehlde $ -. =io~=~~=~:::~=~CompilnYNamedinthe Ntn ~."C eo.t of 0pli0tIaf Credt Life Ind/or Acciden! and Hea/fh Insural'lCe lor Ihe Term 01 this Corl/rad Paid 10 thlIlnlurance Companyor CompaoiN Named in lOa Irlsurance Seelion, Below. Lh$ DiNbilIty,AocidenlandHea/lf1$ D Offidaf F... Paid 10 Government Agencies IE T....NotInc:luGedInCuhPric::e F ~l.icenMandIOrRfgialtaliollFHS(lterni:l:l) o GowmmInl c.t/ficale of Title F_ MOlhIrC/lllrgcll{Selermutt~whowlllr~.ea~IfIddesc:ribepurpose) f'~KNlR rONf H-lC IbUlU _NWARV I-tJ:S M '" Toc.IOlIW~s.ndAmountB F'aid IoOChenl on Vour8flhalf .AmountFinarlced-~BaIInoa(3+oi) __ { 7 r.me Salance-Tolal 01 Payments (5+6) ~bf&.lllUIW :=C=-:~~oI$ 1tf:.I.b~ach,mPfllhfybeginrling 1tll ~~17I1 or If se/1ed1)led paymenl$ are imIQuIar orune....n. (Mo.) IOilY) (Yr.) as1ndiclled'intnefedeqlTI\Ilh-ln-tendingDitcloslKes,lbove. . . . . . l(/1.\il1il W, no, (,f,;>. Iii, ;,'c', ~i" . . (,:')."'(/1 NtA i:,H. (oil 2I\hlfk', J&(5) j'Ul..i4(6) j(/l;,;.I./fA(7) . . . . ~'..~lsc:hlc:bdbolow,!tIllPDlk*<<cartlficateaisluoldbytheCornparliecr'lllnlltdwifldall;rlbelhltermsand~. ............,..,DlilIMQe.....""'"".w.requftlhalrou'-physic8Idarnage ""()plloMl~.....rlneUtance,WeMvellhown ....., You m.yobl8ln II from *'YOOf roll WWMwf1a Is cwptable 10 us. We '- .,. OtIII:oIlhis irIsurara 11148 oflhe JtemlzlIllon of Amoun! Ihown 1M COIC 01 !hI. In&llranc. In oiA ollhe Ilemi;r;alfon 01 Amounl Financed. F111ar'lCld,lboYe. ...... InIInnoI~J'I!1 Tenn:1'tttt--monfhs InsurllflCeCornpallY fl'j:! 0$ o.dIditlIeCollisionlndlilher; O~lncIudingFire, TheIl and CombinedAddllional COVerage n$_OeductibIeCornprthensioieindudingFire, Theil and Combir'llld ~Cowr. aFlrl.TheftMCIComblnedAddllionalCOvefage ~.I~OTowinglndl.-DorOOSl5 oAerUlReirTltlmement oCBRmioEquipmen! """OpIoMf CNlIt ur. and /(W MddlMJt and .......1Mwance. W. do not '*"*' you to have ad life insurance and credit la:l<Hlnt and heafIt1 insur- ..tDotuinad. Welllil notprovidl'lham urIIeuyouJign b'flIm ancI...,top&y1hellddllillnafcoetlf)'OUWllnltllis lnsuranoe, ~ltw iflSlM'&nce ""'lndllgnbllow. .youha....dloMn fhlsinlurllnOe.It1eCOltIs---'in4C oI!hSIlIlNnitalionol AmountFinarKled, above, Check!tle~cInlred:oUfe(Bureroeo.auy..rO) o DiNblIity,Aocldenl and Hea/Ih (Buyer Only) Term;Q36monlhsor36,OOOmiles,wI1ic::heveroccursfirsl Term;(J /' il O$25Deducrble O$50DeduclibletJ$_Oedodible (fWne0l~1 (Home Offloa Iddrea} {NMleollr..urer-A&H} T'hiIpo/q'wlpar*,,**uonlhlsOOOltadupto$ (Home 0Ifice Adcfress) N"fIPOVAL: I DESIRE TO OBTAfol THe CREDIT UFE AND/OR ACCIDENT AND HEAlTH INSURANCE CHECKEO ABOVe FOR THE PERSONI PERSONS PAOP06EO FOR INSURANCE. .............. Ii? JUI-J i'1j'I~ Data CQ..BuyerSignal\Ke Ii' ItIU ;'~l I Dale NIV INSURANCE THIS CONTRACT DeSCRIBES DOES NOT INClUDE COVERAGE FOR BODILY INJURY AND PROPERTY DAMAGE CAUSED TO OTHERS. .,... .. .. .... ,... oonfNot ........... J'OY ....,. .... ,our ......... ....Ic... ... 1M....... Ofthle comr.ct kIr other knportMl ~ Incb:llng yourag~11O glv...... MCUrtty IntefQf In In.Ul'lnce premiums ...- ' you......... 00fIbKf on (00 110I.. on Sund8y) \Mo.rU~1 ;I'J\,l Notice to Buy... Do not .Ign thl. contnlctln blank. You ... ..._Io.n eXllcl copy of the contract you sIgn. =t1\~~~~"{)2_:.::::-....2f~1{.&_.~.. :::.......llufdolellClf'-IO~n.c:o--bur<<orQllltownarkrlows...wehavelllSCUlllylnlerwtinlhl~lr1doonsentslotheSlCUrily Olherowner.,.,. Address A SellrSigrllrntlu(tlrn IInlJrUrDU'lr:, m:: By w+41'-.J~ TIlle /iA.<J You acknowledge you received a 'true, correct and complete copy o1thi; ~t~ct from the seller _youolg~~I',CO~ BuyerSlgn4~{,Si Q..~ Co-BuyerslgnaGP7 jtfZ~ ,...........,.........GeIInl....OlIfplpIbn(OW)..~CI'edit...... s.tIIrllligne......1n "conrr.cttoGMlInderIM ....._.....,...,....u. RnInce PfM.-r....ofSlblllullonMdAel/tlnment.,..,...... 0IIetwlM. SellralllQns" "-'"tin" contr8cI to...........~~ j'QWAC)1ncler........oI...GMAC ANlPIM........ --- L -"""'1-,,_.....- FAtll KNFR 'IAR~Lr-7~Z ~ (;,,-'-1- Seller Br Title Se/Ief ~ d' Title Nodoe; Oiher fMde l1OCIMu-.(I)~.....in.....,~(1"oil ORIGINAl. tOav) (Yr.) OTHER IMPORTANT AGREEMENTS 0WMrahIp1lnd RltkofLoss. Youagreetopayusalfyou owe undef Ihia connct even If the vtJhicIe is damaged, destrOyed or missinG. You IIQI'H not 10 remove the vehicle from the United StaleS or ean.da. You aorae that)'QU wi~ not seN, rent. Ieue 01' ottMWWiM tranIfer any Interest in !he vehicle or this conlJ'ild With- OUCQUl'wriUenpermiuion. You agree notto.xpose lhevehicle 10 miauf,e. HiZurtI. conflIcatiOn. orothe(lnvoIurltary~, even If the vehlde was no<< the subject 01 judicial or admll'listfalNe aaion. You will rNIke ... our security interest (lien) on 1M vehlcle is shown on the lItIe. If we pay any feP'ir bills, slofaglil bi~s, ~es, flnet, or other charges on the vehlde, )'OlJ agree to r'PaY lhe MlOlMltwhlm we ask lor it. Security Inletesf. You give ()S a security interest in (1) !he vehi- cle billing pul'Ch8sed, (2l any accessories, equipment and repIace- menc parts InsIaIIecI in the vehicle, (3) any Il'ISurance prenwms and cNrQes for IeMce contracts rMurned to ilS, (4) any proceeds of ~ poIicifa OfaeMoe contracts on the vehicle, and (5) any ~of/naUral1cepolicieSOIlyourlifeorhealththatlhis c:onlrJlCt Iin~. This secures payment 01 all amounts you owe In thilcontrIIct. or1h8tyOlJ may owe U(l(fe(eny Nparale ~ Iinanct agreementwith us. ThIs aecur81 payment at all arnounls )'OU owe In any ltMSfer, renewal, extension 0( assign- ment 01 thII c:onIrad. It also MCUre8 your othef agreement$; in ...- PreP'vment Refund. You can prepay all of your debt and get a~uf~ottMFK\&I\08cn.rve. WewUlfigUl1lthareflJnd ~1tw~MethocIbutwewlllnotpayyouiflhe neclinance cMrglIiI..than$10. We \IIlfII not pay you !he t'8fund II It is less than$1.OQ. Requhd PhpicaI Damege Insurance. You SQ_ to h8ve phyIicIII cfMlIOe inIIJrance covering IoaS or cIam8ge 10 tie Wlhi- deb'....MmlolIhiIClOl1hcL At anytime dulfng the lerITIofthls a:lntr-=t.lfroudo not h8veph)'slcal/:lamagll1nllurance flatoov- .. boI'l)'OlM'~ and our ImetMfIn the vehide, then Wlt may bur n.cr.a for)'OU. 'Wltdo not bur physical dlwNIg& inSUl'ance hi CDWrI boll......... In the wWlk:Ie. WI rI1IIY, It we choose. bur ........ hi: CCI\I'etS only our ,.,..,.. We ....notobllgalld 10 buy any Insuranc::e. but may do 10 It we ehooee. 11_ buyinsLwance. W8 willeii' you ~ lype II: 1$ end the c:haJgeYOUIftUltPIY.lfany,1lItchatgewiftbelhecoelofttleiOSuf- enc:eanda__chafge,atlhehighfatlawlulcontnlCt/'llte. You agr.- to pay .... chqf in 1lClU" lnstaIments. elther with the pay" .....lI'lownln...PayrnentSChecluNtsecllon,orasa~ 8llOCI&Int _lIP lot" purpose, If Ihe vehk:M IlIoet 0( cIlwnaQed, you agree 1I'1at we c::an use q /l'lIldnclI NCIIenwlt eiIhtt to repair the vehicle or to apply ..-- uc. CbIrge. You will heve II) pay . _ charge on eaCh pay- ment... ... more IJan ten dart .... The dIarQe II tI'IDM'lln "'''''TrulhlnlAn:lng~MCIiorlonthefrotlllfwe .,...........,.01_cfIarvI.lNldot:1notMUM)'OUf ......... or".., ... you can keep making payrl'llll'ds /ale. w..,.........In..MdIonI 'Whenyou.....nep.y In ~ ..... ... ~ Dale- and ~Ir rtllo-lOf the VehlcltfcwF....toPay-.theAllsqIltePllymenl. 0pII0n0I_ or ServIce eo_.__ n.,coraInctwo-torcptionallnaurara Of ....w:.~. tt we......... wHde. you... hII_1l'I8)' claim benefits under....~ VOCJaflJo""..IwtWlt'"'Y~1I\em to oIMIIn ,..... for unwnect cMrrJM; Refunds Of ......... or s.rvic:e Contract CIwgef:. If wel'Kil'Mla Ntund of any cn.ve for NqUIrt.d Intlnnce. we may (1) crtdt It tD row"accGUnI, (2) 11M It 10 bUy 1lmIWInIUrance, 01"(31 UN lito buylnlurencewhich~onIyCNKInterMt In the vehlde. We: ... CRIdiC any f'f1fund on optiof1aIlnsinnce ()( MrvlcIIOld:w::fI;..obtaIntoyour~ We MIl ad boIh .. .mountS we I1I(::elve and ltIe unearned Finance Charges on those amounts 10 your accotInt. We wi~ 8PPIY..... CNdII to u many oI)'OtKpayments as h)' will OOWI(. beginning........ peymenl We... tell you what we do. _ You _1Iopoy In """_.. tho_ Dale.II)lOUPIIY,,~"';lIrou Of.lOmlfone....s1art5 .~in~.~orlnsolvencyagal'*rou Ofyourpl'Operty;.llywbrtlkenyot1he~1n1tliscon- trMIt.{de*lk). WlQRcIIlmIndthat youpay _you GWon...... eon- net.once. w.lI'IJICgiYeyouqnolic:eltqlllredby/n'.Inlig- urinQ what yGUWIe. ."'GiYe)'OU a 1Wfuncl 01 pM OIhflnance Chuge fiOut'td.......way as II you hIIId prepIId In fuI. Repo...uIon of the Vehlele for Failure to Pay. Repos- session meanabtwecan I8ke lhevehlc:le lrom you lIycM.1ta1llo ~ pay aceort1ing 10 the payment schedule or il YOLl break any 01 the agreements in this contracl (default). We must give you any nolice the law requires. We can 6flter your properf)' or the properf)' where the vehicle is stored 10 take !he vehicle If we dO it peacefully. II there Is any P8fS0nal property In the vehicle. such as clothing. we will store it lor )'01). Any accessories, 8qlJipment or replacElmenl parts will stay with the vehicle. Getting the Yehlcle Back After Repossession. If we repossess the vehicle. you have the righllo gel It back (redeem] by payitlg all yoY owe on the contract (notjusl past due payments) You Will also have to pay any late charges, Ihe cost of taking and 51orirIQ: the vehlc:Iie. and oltler expenses !/lat we have had. When we figure the entire amounl you owe on the contract. we will give you a refund of part of the finance charve figured the same way as If you had Pf9pa/d your c;ontract. Your right to redeem will end when we seU lhe vehiCle. Sale of the Repossessed Vehicle. We will send you a writ- ten notice 01 sale at least 15days before we sel. the vehicle. If you do not redeem Ihe vehicle by lt18 dale on the notice, we can sell the V6f1ic/e. We wiN use the nel proceeds Of Ihe sale to pay all or part 01 your debt We wi" figure Ihe net proceeds 01 sale by subtracting these items fmm lt18 selling pria): MY late c:fwges; any cfwves lor taking ancl stelling Itle vehicle, cfeaning and adv$rtising, etc.: and any rellSOllabre atlomey lees and coort COSIS. II you awe us Ies$ than the netproc:eedS 01 sale, we will plly you the dillerenoe. unless 1hefe is a requiAlmflntlhalwe pay itto some. ooe 81.. For exarl1Me, Wf may have 10 pay a lenderwho gll'le you a loan and alsO loOk 8 securifylntereSl inlhevenicle. If you awe ffiO(8lhan the net proc:eecfs of safe, you will pay ~s the difference between the net pfCICf8d$ 01 sale aI'ld what yOlJ owe when we ask for if. If you do not pay thiS amount when wi ask, we may al!Io charge you Inleresl at Ihe highest lawful rate until you pay us alt you owe. Collection Costs. II we hire an 8ttomey to collect whal you owe, you will pay Ihe attomey's rea$OIlabfe lee and any COIJrt costs. DeilY 1(1 Enforcing Rlghtsancl Changes of this Contracl. We can delay <<refrain from enlordng any 01 our rights under Ihis oontrlICtWithOullosiogthem. For~, we can elCtendlhe time lor makirlg some payments wIthovI extending the time lor othets. Anyc:hallQ8lntem1sol1hlscontractmustbelnwritingliU1dwe musl Sign ll. Noon1lchanQes nblnclng. Vanypartolthis ~ is not vdd.8IIotherpat'lswl~remainenfotCellbfe, WSn'MtIes W. DIac:II'm. You unctersllnd thai If you Of odIers ute U..,.,....prIncfpIIlfyforbuf;1no:I or agrtcultum ~ or tr..1otd you In wrftIng befoN..1e that.. are MIIIncIIMWh..onan ............and...lrou.,.rNPOn- ell"-Iotthetnltre r1e1c"lOlMqU/ftyof~t1fthe vehkIe, there .. no Imp," wanMIV 01 rnen:IIaIUbJftI. no IIrlpIIM "rdnty 01 fItnet,e lor . ,.,ucuIIlr IKN1M* .net no IntpUed WtIrranty ItIaI extende beyond 1M descrfpdon of fhe whIcte on the oIher .rete of 11111 COI1IIact, unIeu .. exWnd . ..... ""rTlnIy or.....m. con~ Wflhln (10 claVI' from the dMeofthfsconlnlct. An Imptifd wwrMIY of ~ generally means lhat the WIhIcIe II fit for the ordinary purpost for' which people generally UMsuc:hvehlc:les.AwarranlYoffllneuforaparticular~ II . wamtnIY that may Use when we have reason to know ttJe patlicul'" purpoMI for which you AIqUlre !he vehicle and you rely on our skill or judgment 10 furnish 8 suitable vehide. This provision doH noI.ffec:I any watWlties covering Ih8 vehicle that the vehicle manuf<&Clurer may provide to you. Used Car Buyers Guide. Thf InfonnatJon you ... or'l the window form lor thlt vehk:1e .. plrt 01 this contr.ct.lnfonna- don on the window lorm 0\'8fI1dlt8 ,,"y contrary provlslol'l' In 1he~of...... Notice ~f Substitution of Contract. II we oblainfldthis vehi- cle from General Motors CorporatIon (GM) on Instalment Cfedil Ierms, we win subslitule this oontracIlor, and this contract will replaoe ourobflgation to pay GM for Ihe vehicle you are purenas- Ing. This IUbsIilution will not changf !he amount vou have agreed Iopayus, the payn:teflf schedufe, NfinancecharQflOfanyolyour rights and duties lor this PlJ(Chase. The terms of Ihis contract set for1f1 your entire and only obtigation to us, GM, Of any other holder oflhisCOt1tract. NanCE; ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WtItCH THE DEBTOR COULD ASSERT AGAINST mE SELLER OF GOODS OR SERVICES OBTAINED PUR- SUANT HERETO OR WJTH THE PROCEEDS HEREOF. RECOYERY HEREUNDER BY THE DeBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA. C.S. 4904 relating to unsworn falsifications to authorities, that he/she is {'_~...\lc,-liJt.-0.sli (NAME) P\-Ity IceI' ~VV\i{\i .5+-~ of I (TITLE) GfY7AC.. (COMPANY) , plaintiff herein, that he/she is duly authorized to make this verification, and that the facts set forth in the foregoing Complaint are true and correct to the best of his/her knowledge, information and belief. /f~ (SIGNATURE) ACCOUNT NO: 020468512091 WWR# 03329235 p (J -4Q.. ~ l 0 _ ~ U'\ 1 ~ 0 0l2~ ~ f~) ~; C:J C) ...L.' "fl :;". _-I ."-,,Q co '---.J -...... ['-,) w IN THE COURT OF COMMON PLEAS CUMBERLAND 4COUNTY, PENNSYL VANIA CIVIL DIVISION GENERAL MOTORS ACCEPTANCE CORP., Plaintiff vs. : No. 04-1509 Civil Term GLORIA J. SCHELL AND CHARLES H. BAENIG, Defendants NOTICE TO PLEAD To: GENERAL MOTORS ACCEPTANCE CORP. c/o William T. Molczan, Esquire WELTMAN, WEINBERG REIS CO., L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 You are hereby notified to file a written response to the enclosed New Matter within twenty (20) days from service hereof or a judgment may be entl)red against you. Date: May 10, 2004 By: Attorney for Defendant, Gloria Schell-Baenig IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYL VANIA CIVIL DIVISION GENERAL MOTORS ACCEPTANCE CORP., Plaintiff vs. No. 04-1509 Civil Term GLORIA J. SCHELL AND CHARLES H. BAENIG, Defendants DEFENDANT'S ANSWER AND NEW MATTER TO PLAINTIFF'S COMPLAINT AND NOW, comes Gloria J. Schell, the Co-defendant above captioned, by her attorney, Edward J. Mimnagh, Esquire, and files the following AnsW(lr and New Matter to Plaintiff's Complaint respectfully averring as follows: I. The averments of fact set forth in numbered paragraph 1 of the Plaintiff's Complaint are admitted. 2. The averments of fact set forth in nwnbered paragraph 2 of the Plaintiff's Complaint are admitted in part and denied in part. The Co-defendant admits she is an adult individual residing at 1001 Nanroc Drive, #22, Mechanicsburg, PA 17055. However, the Co-defendant denies that Charles H. Baenig resides at 1001 Nanroc Drive, #22, Mechanicsburg, PA 17055. Co-defendant believes and therefore avers that Charles H. Baenig is currently serving a 225 year prison sentence in a Pennsylvania State Correctional facility. By way of further answer, after Page 1 of6 reasonable investigation, answering Co-defendant is without knowledge or information sufficient to form a belief as to the truth or falsity of the averment c:ontained in Paragraph 2 of the Complaint and therefore denies the allegations thereof these alllegations are specifically denied. Strict proof will be demanded at time of trial if the same be material. 3. The averments of fact set forth in numb(:red paragraph 3 of the Plaintiff's Complaint are admitted. 4. The averments of fact set forth III numbered paragraph 4 of the Plaintiff's Complaint are admitted. 5. The averments of fact set forth III numbered paragraph 5 of the Plaintiff's Complaint are admitted. 6. The averments of fact set forth in numbered paragraph 6 of the Plaintiff's Complaint are admitted in part and denied in part. The Co-defendant admits that she was unable to make all payments as promised under the Contract. However, the Co-defendant denies that the entire balance of the Contract is immediately due and payable to Plaintiff since Co-defendant permitted Plaintiff to peacefully repossess the vehicle and is no longer in Co-defendant's possession. The remaining averments of numbered paragraph 6 of the Plaintiffs Complaint are conclusions of law with respect to which no responsive pleading is required. 7. The averments of fact set forth in numbered paragraph 5 of the Plaintiff's Complaint are denied. After reasonable investigation, Co-defendant is without knowledge or Page 2 of6 information sufficient to form a belief as to the truth of the averments of Paragraph 7 of Plaintiffs Complaint. 8. Denied. By way of further answer, the contract does not provide that plaintiff is entitled to interest at the rate of 6% per annum. By way of further answer, the contract indicates that the late charge will be 2% per month on the amount of the payment that is late, computed on the basis of a full calendar month for any fractional month period in excess of 10 days. By way of further answer, after reasonable investigation, answering Co-defendant is without knowledge or information sufficient to form a belief as to the truth of the remaining allegations contained in this paragraph and therefore these allegations are specifically denied. 9. Admitted. It is admitted that the Contract provides for payment of reasonable attorney fees, however, based upon the fact of this case it is denied that Co-defendant Schell should be required to pay such fees. By way of further answer, after reasonable investigation, answering Co-defendant is without knowledge or information sufficient to form a belief as to the truth of the remaining allegations contained in this paragraph :md therefore these allegations are specifically denied. 10. DENIED. After reasonable investigation, Co-defendant is without knowledge or information sufficient to form a belief as to the truth of the averments of Paragraph 10 of Plaintiffs Complaint. By way of further answer, after reasonable investigation, answering Co- defendant is without knowledge or information sufficient to ~orm a belief as to the truth of the remaining allegations contained in this paragraph and therefor'~ these allegations are specifically denied. Page 3 of6 11. DENIED. After reasonable investigation, Co-defendant is without knowledge or information sufficient to form a belief as to the truth of the averments of Paragraph 11 of Plaintiffs Complaint. NEW MATTER By way of further answer and defense, Co-defendant av<ers New Matter as follows. 12. On or about June 4, 2003 Plaintiff sent a notice of collection to Co-defendant which stated that Co-defendant had until June 15, 2003 to cure the past due condition of Co- defendant's account with Plaintiff. 13. On or about June 18, 2003, Co-defendant permitted Plaintiff to voluntarily repossess the 2001 GMC Jimmy (hereinafter "vehicle") from the premises of Co-defendant's employer. 14. At the time Plaintiff took possession Co-defendlmt had paid approximately seven thousand eight hundred forty eight dollars ($7848.00) on the purchase price of the vehicle to Plaintiff 15. At the time Plaintiff took possessIOn Co-defendant had driven the vehicle approximately twelve-thousand - (12,000) miles. Page4of6 16. On or about August 20, 2003, Co-defendant rec~:ived notice from Plaintiff that it had, on August 8, 2003, sold the vehicle for and on account of Co-defendant. 17. However, Plaintiff failed to give Co-defendant any notice of the time and place of sale, as required by the Uniform Commercial Code. 18. Plaintiff failed to comply with the notice and sale provisions of 13 Pa.C.S.A. 9 9504. 19. Plaintiff s notice to Co-defendant did include that at said sale the vehicle brought a price amounting to eleven thousand one hundred dollars - ($11,100.00). 20. Pursuant to the Kelly Blue Book, said vehicle has a current fair market value of thirteen thousand nine-hundred dollars - ($13,900.00) as of May 2004. 21. Co-defendant is unaware of the fair market value the vehicle would have brought in August 8, 2003, when the vehicle was sold. 22. Because the vehicle was sold at a price below Dlir market value Co-defendant, is entitled to be credited that amount from Plaintiff as a result of plaintiffs failure to forward proper notice to Co-defendant. Page 5 of6 23. When Plaintiff chose to repossess and sell the vehicle as means of recovering said deficiency, Co-defendant is entitled to have the reasonable value of vehicle at time of resale determined. WHEREFORE, Co-defendant respectfully requests that Plaintiffs demand in the amount of $10,581.75 plus attorneys' fees and costs be denied and judgment against the Plaintiff and costs of this action. Date: May 10, 2004 By: J. MIMNAGH ED J. G , Attorney J.D. No. 87860 203 West Caracas Avenue Hershey, P A 17033 Telephone No. (717) 534-2600 Attorney for Defendant, Gloria Schell-Baenig Page 6 of6 VERIFICATION I, Gloria J. Schell, verify that the statements made in the foregoing Answer and New Matter to Plaintiff's Complaint are true and correct. I understand that false statements herein are subject to the penalties of 18 Pa.C.S. ~4904 relating to unsworn falsification to authorities. Date: \Y\r>. A tJ'9. ~rY'l'-j ~~~\:~~5) Gloria J. S,ch I ' Co-defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION GENERAL MOTORS ACCEPTANCE CORP., Plaintiff vs. : No. 04-1509 Civil Term GLORIA J. SCHELL AND CHARLES H. BAENIG, Defendants CERTIFICATE OF SERVICE I, EDWARD J. MIMNAGH , Esquire, Attorney for Gloria Schell-Baenig, Defendant herein, do hereby certify that on this date I served the foregoing Answer and New Matter by depositing a true and exact copy thereof in the United States m:ail, first class, postage prepaid, addressed as follows: William T. MoIczan, Esquim WELTMAN, WEINBERG & RBIS CO., L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 Date: May 10, 2004 By: J. MIMNAGH EDWARD J. MI Attorney J.D. No. 8786 QUIRE 203 West Caracas Avenue Hershey, P A 17033 Telephone No. (717) 534-2600 Attorney for Defendant, Gloria Baenig (") C., ;~ r ~! ~ :; / -+. ~ '" c:::;> = ..r- ;:r: -,j.. ~ ::;:j hi:!) r- -~:; lT1 :DM C) T ,.':.,0 ~,.. -.. (j71 S;~I~ >- ::-n -< -< C) :1:":'. ~. r- ei' SHERIFF'S RETURN - REGULAR CASE NO: 2004-01509 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND GENERAL MOTORS ACCEPTANCE CORP VS SCHELL GLORIA J ET AL GERALD WORTHINGTON , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon SCHELL GLORIA J the DEFENDANT , at 2051:00 HOURS, on the 12th day of April , 2004 at 1001 NANROC DRIVE #22 MECHANICSBURG, PA 17055 by handing to GLORIA J SCHELL a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 18.00 7.59 .00 10.00 .00 35.59 r~~ R. Thomas Kline 04/29/2004 WELTMAN WEINBERG REIS Sworn and'Subscribed to before me this l:lek day of 71r .;1..ooy A.D. r'~':- p~:7; ~ ~ra By' '~J/~/Al~.~' Deputy Sh~ff SHERIFF'S RETURN - OUT OF COUNTY CASE NO: 2004-01509 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND GENERAL MOTORS ACCEPTANCE CORP VS SCHELL GLORIA J ET AL R. Thomas Kline , Sheriff or Deputy Sheriff who being duly sworn according to law, says, that he made a diligent search and and inquiry for the within named DEFENDANT , to wit: BAENIG CHARLES H but was unable to locate Him in his bailiwick. He therefore deputized the sheriff of DAUPHIN County, Pennsylvania, to serve the within COMPLAINT & NOTICE On April ~9th , 2004 , this office was in receipt of the attached return from DAUPHIN Sheriff's Costs: Docketing Out of County Surcharge Dep Dauphin County So answers: 6.00 9.00 10.00 30.50 .00 55.50 04/29/2004 WELTMAN WEINBERG R. Thomas Kline Sheriff of Cumberland County REIS Sworn and subscribed to before me this day of A.D. Prothonotary ,....,- In'The Court of Commo!ll Pleas of Cumberland County, Pennsylvania General MotOTIl Acceptance Corp YS. Gloria J. Schell et al SERVE: Charles H. Baenig #D63009 Dauphin County Prison 501 Mall Road Harrisburg, PA 17111 No. 04-1509civil Now, lIpriJ. 13, 20M , I, SHERIFF OF CutvffiERLAND COUNTY, P A, do hereby deputize tl1e Sheriff of Dauphin County to exec.ute this Writ, this deputation being made at the request and risk ofthe Plaintiff. .-::::'./") .-/ /:0?' :or ~"'~:4--~ serve by 5!7 /04 Sheriff of Cumberland County, P A Affidavit of Service Now, , 20_, at o'clock M. served the within upon at by handing to a copy of the original and made lmown to the contents thereof. So answers, Sheriff of County, PA Sworn and subscribed before me this _ day of , 20_ COSTS SERVICE MILEAGE AFFIDAVIT $ $ . , @ffb:e l1f tlp~ ~ltpxiff William T. Tully Solicitor J. Daniel Basile Chief Deputy Mary Jane Snyder Real Estate Deputy Michael W. Rinehart Assistant Chief Deputy Dauphin County Harrisburg, Pennsylvania 17101 ph: (717) 255-2660 fax: (717) 255-2889 Jack Lotwick Sheriff Commonwealth of Pennsylvania GENERAL MOTORS ACCEPTANCE CORP vs County of Dauphin BAENIG CHARLES H Sheriff's Return No. 3169-T - -2004 OTHER COUNTY NO. 04-1509 AND NOW:April 21, 2004 at 12: 15PM served the within COMPLAINT upon BAENIG CHARLES H by personally handing to SERVED DEFT 1 true attested copy (ies) of the original COMPLAINT and making known to him/her the contents thereof at DAUPHIN COUNTY PRISON - D63,009 501 MALL RD HBG, PA 17111-0000 Sworn and subscribed to before me this 23RD day 2004 j7:~ NOTARiAl SEAL MARY JANE SNYDER Notary PublIc Highspire, DaUPhin County i,~1y Commission Expires Sept. 1. 2006 Sheriff of Dauphin County, Pa. By 17041tl. ~ Deputy Sheriff Sheriff's Costs: $30.50 PD 04/15/2004 RCPT NO 192275 NAN M IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CNIL DNISION GENERAL MOTORS ACCEPTANCE CORP. Plaintiff, CASE NO. 04-1509 Civil Term TYPE OF PLEADING: vs. GLORIA J. SCHELL and CHARLES H. BAENIG REPLY TO DEFENDANT'S NEW MATTER Defendants, FILED ON BEHALF OF: Plaintif1: COUNSEL OF RECORD OF THIS PARTY: WILLIAM T. MOLCZAN, ESQUIRE PA I.DJ:47437 Weltman, Weinberg & Reis Co., L.P.A. 2718 Koppers Bldg. 436 Sev,enth Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR #03329235 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA GENERAL MOTORS ACCEPTANCE CORP. Plaintiff, CIVIL DIVISION vs. CASE NO.04-1509 Civil Term GLORIA 1. SCHELL and CHARLES H. BAENIG Defendants, PLAINTIFF'S REPLY TO DEFENDANT'S NEW MATTER AND NOW, comes the Plaintiff, by and through its Counsel, Weltman, Weinberg, & Reis, Co. L.P.A., and hereby files this Reply to Defendant's New Matter in the above-referenced matter. In support thereof, Plaintiff avers as follows: 12. After reasonable investigation, Plaintiff is unable to determine the truths of the averments contained in paragraph 12 of Defendant's New Matter same are therefore denied. 13. Paragraph 13 of Defendant's New Matter is admitted to the extent that the vehicle in question was repossessed by the Plaintiff on or about June 18, 2003. 14. It is denied that Defendant or Co-Defendant paid $7,848.00 towards the purchase price of this vehicle. It is admitted, however, that numerous payments were received from either the Defendant or Co-Defendant towards the purchase price of this vehicle. IS. Paragraph IS of Defendant's New Matter is denied. To the contrary, at the time of repossession the vehicle had 22,799 miles on it. 16. Paragraph 16 of Defendant's New Matter is admitted to the extent that the Co- Defendant received notice from the Plaintiff that it had sold the vt,hicle. A copy of that notice is attached to this pleading as Exhibit I. 17. Paragraph 17 of Defendant's New Matter is denied. To the contrary, Plaintiff sent to both Defendants, by certified mail, a "notice of our plan to sell property", which notice was sent on June 19, 2003. Attached as Exhibit 2 is a copy of that notice which was sent to Gloria J. Schell. Attached as Exhibit 3 is a copy of the certified green card which bears Gloria J. Schell's signature. 18. Paragraph 18 of Defendant's New Matter is a conclusion ofJaw to which no response is required. 19. Admitted. 20. After reasonable investigation, Plaintiff is unable to determine the truths of the averments contained in paragraph 20 of Defendant's New Matter same are therefore denied. 21. After reasonable investigation, Plaintiff is unable to determine the truths of the averments contained in paragraph 21 of Defendant's New Matter same are therefore denied. 22. Paragraph 22 of Defendant's New Matter is a conclusion ofJaw to which no response is required. 23. Paragraph 23 of Defendant's New Matter is a conclusion ofJaw to which no response is required. WHEREFORE, Plaintiff demands judgment against the Defendant, Gloria 1. Schell, as originally pled. Respectfully submitted: WELTMAN, WEINBERG & REIS, CO., L.P.A. By: 0j;t1:#~' WILLIAM T. MOLCfAN PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 2718 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#03329235 ,'--'-1 , i 11 " ~ l GMAC - P.O. Box 7041 Troy M14B007-70411 BOO-551-5377 August20,2003 How We Calculated YOUf SUfplus elf Deficiency Gloria J Schell Charles H Baenig 1001 Nanroc DrApt 22 Mechanicsburg, PA 17055 Subject: Account Number 020-4685-12091 Dear Gloria J Schell: Your 2001 GMC Jimmy, VIN 1GKCT18W71K174578, was sold on August 8,2003. As of the date of this letter, the amount you still owe us under the terms of your contract is $10,581.75. This amount was calculated as follows: Unpaid balance before subtracting money from sale This amount was calculated as of July 8, 2003 and reflects a rebate of unearned finance charges. See below.- Money from sale Unpaid balance minus money from sale Known expenses of taking, holding, preparing for sale, processing, and selling vehicle, attorney fees, and other legal expenses: Repossessing & transporting $ 310.00 Storage & reconditioning 72.50 Selling costs 80.50 Title & registration fees 30.00 Attorney fees and legal expenses the law permits 0.00 Late Charges 18.46 Total expenses Known credits: Rebate of unearned insurance premiums $ 0.00 Extended service contract refunds 0.00 Insurance and service contract claims 0.00 Total credits Deficiency/( su rplus) $ 21,170.29 11,100.00 $ 10,070.29 + 511.46 0.00 $ 10,581.75 EXHIBIT I . kjt POSTSAlE9\rt-g592trad\1 Gloria J Schell 020-4685-12091 -2- August 20, 2003 -Amount calculated as follows: Amount you owed before finance charge rebate Less: Rebate of unearned finance charges $ 21,802.35 - $ 632.06 The amount of any deficiency/surplus shown above may change because of future additional credits, rebates, or charges. Any deficiency shown above may also change because of additional interest accruing after the date of this letter. For more information about this transaction or to make payment arrangements, you may call us at the telephone number at the top of this letter or write us at the address at the top of this letter. Signed. Credit Administrator WE ARE ATTEMPTING TO COLLECT THE AMOUNT OUR: RECORDS SAY YOU OWE US NOW. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. .I! kjI POSTSAlE!M-g592trad\1 I I GMAC - P.O. Box 971 Harsham PA 19044 215-957-3400 June 19, 2003 NOTICE OF OUR PLAN TO SELL IPROPERTY Gloria J Schell 1001 Nanroc Dr Apt 22 Mechanicsburg, PA 17055 Subject: Account Number 020-4685-12091 We have your vehicle (a 2001 GMC Jimmy with VIN 1 GKCT18W71K174578), because you broke promises in our agreement. We will sell your vehicle at private sale sometime after July 7,2003. A sale could include a lease. The money that we get from the sale (after paying our costs) 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 b~( paying us the full amount you owe (not just the past due payments), including our expenses. You can also get it back for less (see below). To learn the exact amount you must pay, call us at the telephone number at the top of this letter. 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 at the top of this letter or write us at the address at the top of this letter and request a written explanation. . It. If you need more information about the sale, call us at the telephone number at the top of this letter, or write us at the address at the top of this letter. We are sending this notice to the following other people who have an interest in your vehicle or who owe money under your agreement: Charles H Baenig EXHIBIT ~ JMG\cdg POSTREP09\g594a_PA Gloria J Schell 020-4685-12091 -2- June 19, 2003 Additional information: As of the date of this letter, you can get your vehicle back by paying the total amount indicated below (redeem). Gross unpaid balance Finance charge rebate Unearned insurance premium* Other credits Late charges Expenses ( Estimated Repo Charges $200.00 ) TOTAL $ 21,802.35 632.06 0.00 0.00 + 18.46 + 200.00 $ 21,388.75 You can also get your vehicle back any time before we sell it by paying all past due payments, late charges, and expenses (reinstate). You must also provide proof of the physical damage insurance your contract requires. Then you must start making your payments again. As of the date of this letter, you must pay: Past due payments ( 3 of $ 461.65 and one of $ ) Late charges Expenses ( Estimated Repo Charges $200.00 ) TOTAL $ 1,384.95 18.46 200.00 1,603.41 + + $ The longer you wait to redeem or reinstate, the more you may have to pay to get your vehicle back. Only reasonable expenses may be charged. They must be the direct result of taking, storing, and selling the vehicle. We may also charge you the costs of getting it ready for sale and reasonable attorney fees, as the law permits. You must pay the amount required in certified funds. To redeem or reinstate, send your payment to GMAC at the address at the top of this letter by mail, overnight delivery servicll, Western Union, or MoneyGram. Send any notices regarding this matter to the same address. Your vehicle is at Manheim Auto Auction, 1190 Lancaster Rd., Manheim, PA, 17545. It will be there at least until July 7, 2003. After that, we may move it in preparation for sale. We must send you any extra money owed to you from the sale of your vehicle within a reasonable time. If you do not get the money, you may have the right to sue for it plus any penalties fixed by law. Any personal property left in your vehicle not already returned to you will be held for at least 30 days after the date of this letter. After that, we may dispose of it as the law allows. Contact us to find out how to get back personal property left in your vehicle. JMGlcdg POSTREP09\g594a.PA Gloria J Schell 020-4685-12091 -3- June 19, 2003 If you do not do what is required to get your vehicle back, we will cancel any physical damage insurance or service contract that is part of your contract. Make sure any other coverage you no longer want is canceled. Call the insurance company or the dealer to do this. You have a right to credit for any refunds. Contact us at the telephone number at the top of this letter for more information about getting your vehicle back. Signed, J. M. Gardocki Customer Relations Analyst * The insurance premium rebate is for credit insurance if it was part of your contract. It is also for any limited physical damage insurance. WE ARE ATTEMPTING TO COLLECT THE AMOUNT OUR RECORDS SAY YOU OWE US NOW. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. ./!' JMG\Cdg POSTREP09\g594a.PA . Complete items 1, 2, and 3. Also complete itejm 4 if Restricted Delivery is desired. . Print your name and address on the reverse to that we can return the card to you. . \tach this card to the back of the mail piece, I r on the front If space permits. 1. Artic!e Addressed to: GLORIA J SCHELL 1001 NAlIROC DR APT HECHANICSBURG, PA 22 17055 020-4685-12091/KJL/7-8 3. Service Type ~ Certified Mail o Registered o Insured Mail o Express Mail o Return Receipt for Merchandise o C,Q.Q, 4. Restricted Delivery? (Extra Fee) DYes 2. Article Number (Transfer from service label) PS Form 3811. August 2001 7002 2410 0000 9164 1049 Domestic Return Receipt 102595-02.M.1540 U.s. Postal ServiceTM CERTIFIED MAILTM RECEIPT (Domestic Mall Only; No Insurance Coverage Prov/i ~ <:r "" o "" ~ cnl"""";;"""",,,.:..,ni"""""'i~" "',"""'"'''' <:r Postage S g Certified Fee o ..tr Aeturn Reciept Fee o (Erldorsemenl Required) CJ Restricted Delivery, Fee r-=l (Endorsement ReqUIred) "" n..J Total Postage & Fees $ POSlmar~ Here n..J samro ~ GLORIA J SCHELL 020-4685-12091/KJL r-- "St~-e8('Ap-( -flo~;- ......--.....----.... ..--. ... ... .-- ---.... --- --.. ..- --. - -.....---....- "PO Box No, 1001 NANROC DR. APT 22 crrr:.siiiie.."i(P:;.j...-.......----......---......-----.....----..-.-..----..----.--...-- EXHIBIT 3 VERIFICATION The undersigned does hereby verifY subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, he is an attorney for the Plaintiff herein; makes this Verification based upon the facts as supplied to him by the Plaintiff and/or its agents and because the Plaintiff is outside the jurisdiction of the court and the Plaintiff Verification cannot be obtained within the time allowed for filing of this pleading, and that the facts set forth in the foregoing pleading are true and correct to the best of his knowledge, information and belief. mOt} rJi, XtY/ Date / A /;IL>/~ ~czan, Esq' e CERTlFICA TE OF SERVICE A true and correct copy of the within Pleading has heen served by U.S. Mail, Postage Pre-Paid, on the ;{ 1 day of /Y) a;; . ' 2o!!i~, upon the following: Edward J. Minmagh, Esquire 20.3 West Caracas Avenue Hershey, P A 170.33 (') "-, C C:::P 0 => '" .c- -n c- '. :::~ ~ :.~,;;;., -- -.: m~ ,-;- f'.) :g~ ...,.- -/ cr. ~ C"J 0 ,-'- --iC) f;~3 -0 :c=n ':.c:4?'i t.)hl ~'. -I =2 ~n :]J w -< IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION GENERAL MOTORS ACCEPTANCE CORP. Plaintiff, Case No.: 2004 - 1509 - CIVIL vs. TYPE OF PLEADING: MOTION FOR SUMMARY JUDGMENT AS TO DEFENDANT GLORIA SCHELL GLORIAJ. SCHELL AND CHARLES H. BAENIG, Defendants. FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R Bibler, Esquire Pa. LD. #93598 Weltman, Weinberg & Reis Co., L.P.A. 2718 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR # 03329235 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CNIL DNISION GENERAL MOTORS ACCEPTANCE CORP. Plaintiff, Case No.: 2004 -1509 - CNIL vs. GLORIA J. SCHELL AND CHARLES H. BAENIG, Defendants. MOTION FOR SUMMARY JUDGMENT AS TO DEFENDANT GLORIA SCHELL AND NOW COMES, Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co., L.P.A., and hereby files this Motion for Summary Judgment as to Defendant Gloria Schell. In support thereof, Plaintiff avers as follows: 1. This action arises out of Defendant Gloria Schell's failure to make payments on a Retail Installment Sale Contract for a 2001 GMC Jimmy. 2. Plaintiff filed a Complaint against the defendants, seeking $10,581. 75, jointly and severally, with continuing interest thereon at the legal rate of 6.00% per annun from the date of Judgment, plus costs. A true and correct copy of the Complaint is attached hereto as Exhibit "A" and made a part hereof. 3. Attached to the Complaint was Verification from an authorized representative of Plaintiff verifying the accuracy of the amount sought. See Exhibit "A". 4. Defendant Gloria J. Schell filed an Answer admitting she entered into the retail installment sale contract and took possession of the vehicle, but claiming she is not responsible for the remaining balance because she "permitted Plaintiff to peacefully repossess the vehicle." Defendant Gloria Schell also questions whether she owes the deficiency balance due to an alleged failure to receive a Notice of Plan to Sell Property letter. A true and correct copy of the Answer is attached hereto as Exhibit "B" and made a part hereof. 5. Defendant Gloria Schell's Answer contained New Matter, which claimed she never received the statutorily required Notice of Plan to Sell Property. Defendant Gloria Schell also claimed that the vehicle was sold for less then market value, which entitles her "to be credited that amount from Plaintiff as a result of Plaintiffs failure to forward proper notice to Co-defendant. " 6. On or about August 23, 2004, Plaintiff served upon Defendant Gloria Schell's Counsel a set of requests for admissions and requests for production of documents. 7. On or about September 23,2004, Defendant Gloria Schell's Counsel withdrew his appearance. 8. On or about September 27, 2004, Plaintiff served upon Defendant Gloria Schell a set of requests for admissions and requests for production of doc:uments. A true and correct copy of same is attached hereto as Exhibit "e" and made a part hereof. 9. On or about October 27, 2004, Defendant Gloria Schell served Answers to those Requests. A true and correct copy of Defendant Gloria Schell's answers to Plaintiffs First Request for Admissions and Production of Documents is attached hereto as Exhibit "D" and made a part hereof. 1 O. Defendant Gloria Schell admits she is in default of the Retail Installment Sale Contract for failing to make monthly payments. See Exhibit "D." 11. Defendant Gloria Schell admits she has not submitted any written dispute as to any accounting inaccuracy concerning payments on the contract in question. See Exhibit "D." 12. Defendant Gloria Schell admits she received the attached "Notice of Plan to Sell Property" letter. See Exhibit "D." 13. Under Pennsylvania law, the resale price of a motor vehicle after repossession is prima facie, but not conclusive evidence, of the reasonable value of the motor vehicle at the time of resale. 69 P.S. 9627. 14. Defendant Gloria Schell has provided information stating the Blue Book retail value of the car as $12,835.00. Plaintiff sold the vehicle for $11,100.00 at a public auction. Plaintiffre-sold the vehicle within $1,600.00 of the blue book value. 15. Defendant Gloria Schell failed to prove that the r1esale value was unreasonable. 16. Defendant Gloria Schell's New Matter does not claim the resale was unreasonable, but rather, that she is entitled to money due to "Plaintiffs failure to forward proper notice to Defendant Gloria Schell." 17. Defendant Gloria Schell, after being provided copy, now admits she received a copy of Plaintiffs "Notice of Plan to Sell Property." See Exhibit "D." 18. There are no meritorious defenses against this action and no genuine issue of material fact exists as to Plaintiff s claim. 19. Plaintiff is entitled to judgment in its favor as a matter of law on the amount sought in the Complaint. WHEREFORE, Plaintiff respectfully requests that this Court grant Summary Judgment in Plaintiffs favor and against Defendant Gloria Schell in the amount of $10,581.75 with continuing interest thereon at the legal rate of 6.00% per annun from the date of Judgment, plus costs Respectfully Submitted: Welnn~: ~ ~ L.P.A , By: Benjam~. . e, Esquire P A I.D.#9~ 98 Weltman, Weinberg & Reis Co., L.P.A. 2718 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR # 03329235 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA , CNIL DNISION GENERAL MOTORS ACCEPTANCE CORP. vs. No. 04- /SO'1 CiOiL't-~ COMPLAINT IN CNIL ACTION Plaintiff GLORIA J. SCHELL AND CHARLES H. BAENIG Defendants FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan, Esquire PA J.D. #47437 WELTMAN, W'ElNBERG & RBIS CO., L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 CJ ~ c. c:;:l -n J:'" ~;:: :::;-J __ A) m~ ! ;~;f~ C,O '--....;r-'\ :=:! :::1. -v -:::~ -n -,. :~:l: ~~ '-' .._1 r-.::l .. ::t> '-.0 :::} .-~.- . , WWR#03329235 ~-;. '. ...~ c__ ~ " -....... EXHIBIT A IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION GENERAL MOTORS ACCEPTANCE CORP. Plaintiff vs. Civil Action No. GLORIA J. SCHELL AND CHARLES H. BAENIG Defendants COMPLAINT IN CIVIL ACTION AND 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 and notice are 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 OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, P A 17013 (717) 249-3166 COMPLAINT 1. 48098. Plaintiff is a corporation having offices in 5700 Crooks Avenue, Suite 301, Troy, MI 2. Defendants are adult individuals residing at 1001 Nanroc Drive, #22, Mechanicsburg, PA 17055. 3. On or about June 12, 2001, Defendants duly executed a Retail Installment Sale Contract (hereinafter the "Contract") in favor of Faulkner Rarrisburg, Inc., a true and correct copy of said Contract is attached hereto, marked as Exhibit "1" and made a part hereof. 4. Pursuant to said Contract, Defendants took possession of the vehicle more particularly identified in the Contract as a 2001 GMC Jimmy. 5. Pursuant to the terms and conditions provided by the Contract, the Contract was assigned from Faullmer Ramsburg, Inc. to Plaintiff. 6. Plaintiff avers that Defendants are in default of the Contract by having not made payment to Plaintiff as promised, thereby rendering the entire balance immediately due and payable. 7. Plaintiff avers that a balance of$10,581.75 is due from Defendants as of March 12,2004. 8. Plaintiff avers that the Contract between the parties provides that Plaintiff is entitled to interest at the rate of 6% per annum. 9. Plaintiff avers that the Contract between the parties provides that Defendants will pay Plaintiffs reasonable attorneys' fees. 10. Plaintiff avers that such attorneys' fees amount to $1,000.00. 11. Although repeatedly requested to do so by Plaintiff, Defendants have willfully failed and/or refused to pay the principal balance, attorneys' fees, interest, or any part thereof to Plaintiff. WHEREFORE, Plaintiff demands judgment against Defendants, Gloria 1. Schell and Charles H. Baenig, jointly and severally, in the amount of $1 0,581.75 with continuing interest thereon at the Contract rate of6% per annum. from the date of judgment, plus attorneys' fees of$l,OOO.OO and costs. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. WELTMAN, V1EINBERG & RBIS, CO., L.P.A. I. d/~~ ~czan squire P A J.D. #47437 WELTMAN, 'WEINBERG & RBIS CO., L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#:03329235 HilS r:nNTIlIICT I Nr.LUDE. RTHlCllICl RJD[1l UlOn.cD 'r.;Hr~r. 91ClRT IIli 'GMAr/. PItWQAL 8E~ [~ ] r.t ORIR J !;cIlE.lL CHRRU.!; II IlRENIG 111l01-22 NRNRnr: OR HCCIlRNICS91J11G DR 1705:, f-AlIU<NER HARRI:.fllIRG. TNL ?Vl['0 PRXTON !>TR[[T IlARRISDURG PA llll/l:, You. the au,.. (end Co-Buyer.. any). may buy the.- describod below for cash or on credll. Tho cash price is shown below in lhe .ltemizaIion 01 Amount Financod" as 'CallI Prioo: Tho cradII price is shown below in the _81 TrutIl-ln-lending Disclosures as "Total Sale Price: By signing this con1rac\. you choose.. buy the vehicle on cradII under the _menls on the irani and bact< ol.his conlract. "You' and "your" _to you. the8uyer. and any Co-Buyer. "We". "Us" and "Our" retertothe Sellar named above and.oanyDne IDwhom'he Seier ..";gns .hlS conlnlCl. SeIer _ to assign this contrad 10 GeneralMolors Acceptance Corporation (GMAC). Dncrfpllon '" Vehicle. You .eeto buy and we agree to sell the toIIowing vehicle: Nowor~ Vehicle ldentilicalion No. Use for Which PUrchasecj lO parsonal 0 agriaJIIurol o business 0 IGKCTI8W7TK17~57B N[W FEDERAL TRUTIf.IN-L.ENOING DISCLOSURES AIINlIAL I'ERCENTAGE RATE TheCllS\ aI your credit IS a re8IIY _. 2.90 % _ Flnancecl Tho amounI of crediI providod 10 you or on your_. I 28602.36 Total Sale PrIce J Tho total cost of your ~'" on crecIt, including your down- paymenl aI $ &55. ',1;' is $ ~l~C:':Iab~ FINANCE CIWlGE Tho _ amoulll ... credit.. CIlS\ I'DU. Total of p...... The amount you wlI heve pald -I'DU have __ all pay- mentsas -. 30573. -'0 I (Q71. 3~ OrISFoIows: ~ When Payments Are Duo MonIhIy bIgirring '. . I FINAl. PClVHFNT OF U0.,I.00 mE ON 12 SEP 200~ ~ QoorgL I a paymenI is not paid in lull within 10 days aIr.. is duo.1'DU will pay a late charge. "'" _ purchasad is a heavy commarcial molar -.... charge wi be <1% of Ihe __ of Ihe paymentlhal is late. "'" _ purd18I8d is oil-highway business or !arm ~ lhe charge wII be 5'JG. '" lie amounI 01... paymenllhal is late. 0Iherwiae." chafll8 wi be 2% par monIh on Ihe emount of Ihe paymentlhal is late. comptItad on Ihe _ aI a luI_monIh for any_ monIh parIod in _ aI 10 days. ..-..-. III'DU pay ""81 your _ aarIy I'DU may be _.. a rolund aI pan of lhe inance charge. SeeurIIy -. You... QMng a oecuriIy _In the _ beinQ purd18I8d. AddIlIonaI_: Sat lhe _ _ aI IhIs contracllor more InIormalion including informaJion about f1DIll8ymen1. defaull. any requirad 'opal" menlln... _ lie achecllIad -. __111 refunds and sec:urIIy interest. ITEMIZATION OF IdIOWIT FINANCED f Cash Prioo (Including any _. _. and 1aXaS) 2TOI8I~.NaIT_$ r,','i q', + 0Iher (OescrIle) YourT_iM r.HFVRnI FT Year Make 28:';01'1. (~0 (11 + Cash OownIlaymont $ $ $ f'~'l~'l. '"J:, (Z) Modal :a~_alCashPrioo(I_2) 4 OIherClwgoa Including""""'" Paid to 0Ihers on V..... _ (SeUer may be keeping part 01_ amoun1s.): .a ==""'1:r.. "=-=.0 ~ ~.:~....-anoeCompany Named in... III/A ... Coal aI 0pli0naI UachanIcaI ~ Insurance Paid to lie ........... Company Named In Ihe _Section. _-c-;ngCerlaln _ Rapairs --C Coal aI 0pli0naI Cradil Ulo _ AccidanI and -. __ for lie Torm of this ContracI Paid .... _Company or eon...- Namadln............. Section._. ....$ ~._and_$ D ~_ PaidIDGovemmenI~ E T_ Nallncludod In Cash Prioo F ~..- andlDrRaglslratlon ""' (_) G~~al1lIe_ " OIher~~must~whowll_~anddescrlle_) F,EllJ..' TiRe UllI N t-~~S "" ToIaI 0Iher a.a.v- and _ Paid.. 0Ih0B on Your_ 5_........._~{ ::::~ ~ ~r: TT....Ilalanoe-ToIaI of Paymonlo (5 + 6) Roq&.ndby 8Pa,..-ScIIadufe:ll-_0I$ ~bl. &~rnontIIIyboginning I ;, 11 n ~ar 1 or I achecllIad payments are ImtgWIr or uneven, (Mo.) (Day) (Yr.) as--.clln" _TruIh-ln-Landing~._ $ 2"8~4. 05 (3) $ N/A $ $ $ $ $ 10.00 f,~2.l!ln 18. '10;, ~2.S0 $ $ fi5.l'Il'I N/A $ $ $ $ 1:./1. oi: (4) ~llb~" ::lbTsi 1 'H I..l~ (6) 30:>1 J. 7r17i ___. any _ Is chockad below." ~ or _ Issued by" CompanIos named wII descrIle Ihe IermS and condIIions. .......- ~ ~ _ W. I8qIOro Ihal ,ou _ phyaIc:aI damage "~ __ Rapalr Inauranco. W. have ..._ InIuranco. You may obIaIn . Iran anyone I'DU want who is ~ ID us. We have Ihe CIlS\ aI lIis _In 4B of Ihe IIamlzalion aI """... ahown Ita _ '" Ibis Inauranco In <II. 01 tho Ilomization of Amount Financed. Rnancad. above. - InsurwuCompany ..... Torm: ~- Insur8noaCompany tl:1I 0$ DoGlcIIlIo ~ and-. O~""'1ncIucIng FIre. Theft end ~_Coverage O$_DaduclibIe~ including FIre. Theft and~ -Coverago o FIre. ThoIl_~_ Cove<ago Optional, Icloond-D Towing and Labor c:osts 0 RanIaI_ DeB Radio ~ -clpIIonaI_ UIo_1ar _ and _ _. We do not...... rou" have cradII.. Inaannoe and creditaa:idont and haallh i1_- .... .._...... WewllllOlpnMlletlom_l'DUoignlortlom end_to pay" _COILII'DU want this _. _the Inoumnco cloondand..._.I,ou __lIislnaannoe. lleCllS\Is""""'InCCal" llomizaIlonal _ Finanood. above. ~""___:oUlo (IluyorO~C3 o DisablIIty. _ and _ (IIuyor Only) Term: 0 36 monIhs or 36.000 des. whichaver occurs firsl Torm: 0 tllll 0$25 0aduclibIe 0 $50 0aduclI>Ie 0 $_00GJcIl:>lo (Namoal_-l.Jlo) ~0lIic0 Addrou) (Named _-I. & HI ThIs PoIior" pay __ duo on 1hIo conIr8C:t "" ID $ (Home 0lIic0_1 APPAOVAl.: I DESIRE TO OBTAIN THE CREDIT lIFE ANO.QR ACCIOEHT AND HEALTH INSURANCE CHECKED ABOVE FOR THE PER!;(lNl ;;(. ;:1 ::; .... :1::' ':'::: :,.: ::I;! !::f: .::..' I ;1 I: mr: I> .' J :L { ..... .... ,". ~~; ":. ".. '1;: :~L 'j;' '~:' {1;: ~:: ~;;. :":, j:;. :li ." ;". " ~., ::. .. . Ex :0: :: HliBIT .. .. . t La.-ChIIrge. _ a payment is not paid In lul within 10 dars _. is dr iiI pay alale charge, _the vehicle purchased is a heavy commercial nootor vehicle. Ihe chaIge wlI be 4% 0/ rhe amounl 0/ the PBlI'Mn11he1 is Ia _ purchued IS off-highway buainess or larm equipment. Ihe ch,"ge wfIf:. 5~ of Ihe amount of the paymenllhal is tale. Otherwise. 1he cha.... ...... be 2% per month on the amount of the payment that is late. computed on the basis 0/ alul calendar month lor any Iractional month period in excess 0/ 10 days. Pte..-,-nL _ "'" pay.off al ","' debt earty "'" may be entitled 10 a refund 0/ pan of lhe Ionance charge. Securtty In-. You ere giving a security inte<eS! in the vehicle being purchased .A.ddIIIoIIId Infonnation: See the other side of this contract tor more inlormation indudmg Information aboUI nonpayment. defaLltt. any required repay- ment In fill bemre the scheduled date. prepall'Mnt relunds and security inle<est ITEIIIZA lION OF AMOUNT FINANCED t Cash Prlce (Including ony 1lCQISOries. services. and taxes) 2 Tolal Oownpeyment . Net Trode-in S (,' ,S Y', + Other (Oescrlbe) Ylll8'T_..~ I'Hf'VRrllI'T Year Make ;'H:.(1,f,. \')\" (1) + Cash Downpayment S S S ,..'.:.. "', (2) Modet =- Unpaid Balance 0/ Cash Prlce (1 minus 2) 4 Other Chorgoo Including Amounts "-id to OIhers on Your _ (Seller may be keeping part of these amounts.~ oA =::.. ~':'=.:>=.v "'!:.=';.,aid':s.:-:"nce Company Named;n Ihe 'J' i~ -. Coat 0/ 0pIi0nII1 Mechanical Repair Insurence Paid to the Insurance Company Named in the N f A _ Section. _-Covering Certain Mechanical Repairs S ;?lll/j;l. ;~:.l (3) --c Coat 01 0pli0naI C_ Lile a_ Accident and Health Insurance lor the Term 01 this Contract Paid ID the _ Con1>anY or Companies Named In the In8lltInce Section. Below. Ule S llisabiity. Accident .nd _h S D OllicIaIFeas Paid ID _nt Agencies E T_ NoI_ in Cash Prlce F __ Uoense and/or FlegIstration Feas (itemize) G _CerIIficate "'Tille "- H OlhIr~IIlUIt~whowil~~yrMnanddeocrlbe~) Fill!: . . HAC "UllJ AHY ~~.l:~ lor: TOIOI OlhIrChelgos and __ Paid ID Others on Your llehaIf I Amount Financad-Unpaid Belance (3 + 4) { . Finance Charge AddilionaI Diacloaures 7 r....IIalance-ToIaI of Payments (5 + 6) RequAd br SlaIa l.w . Payment SchoduIe:12..- inataIments of S "G J . G~. monthly beginning , :. , I .' ;"\OiDl1 or If scheduted payments are irregular or uneven, (Mo.) (Day) (Yr.) as __ in the F_ Trulh-1JH.ending Disclosures. _. S S S S s l(~. IM'I t;/.~.~f. I A. I~', ?c:. ~t0 [,:',.0101 NfA 1:.11. ..: (4) ~nbfIJc'.. ...[h'(S) 1'1/1....~ .J~:")/.S.,~ S S S S _. anr _ is c:I1acMd below. the policies or _ issued br the ~ named wit describe the..... and concIlions. -..- fIhr*aI.-- _nco. We require Ihef I'OU _ p/1yIicaI ~ "0plI0naI1IachanIcaI RepaIr ............. We _ sholm _ You may obIain k from anyonel'OU wan! who is ~ to us. We_ the cost ollhis _ in 4B of the __ ol Amo,nt shown the coli of this Insurance In 4A of the Itemizalion of Amount Financed. ~.-. -.. Insur8nce Cornp8ny NI ( Term: 1Ittft-monlhs Insurance Company tJ'A OS 0educlIble CoIision.nd either: D ~lSi" including Fire. Theft and Combined AddltionaJ Coverage Term: D36 months or 36.000 miles. _occurs rlrst [1 S _ 0educlIbIe Comprehensive including Are. Theil and Combined Term:D t/lll -~ D S25 Ded_ D $50 0eductibIe 0 S_Oeductlt;. D Fire. lheIl and Combined _ Coverage ClpIionaI,' desiNd-DTowing and Lebor costs D _ Reimbursemenl DCB Rodio ElMJrnenl ~ ~ Ute _10< -., _ _lnau_ W. do not require "'" to _ creditite insurance and credit ac:cIdenf _ health insur- ance ID oblain cod. We wlI not provide 1hem unless I'OU sign lor them and agreelD pay the -.. -. -I'OU want this Inaurance. _ the insurar... _ and sign below. -I'OU _ _this _.the cost Is.-. in 4C olthe nemization 0/ Amount Fonanced. ebove. ~ the lneuranca _: [J LIfe (Buyer 0 Co-IluyerCl) [J o;.-.v, Aocidanl and Haallh (Buyer Only) (Name ollnsurar-l.Jfe1 (Horne Office Address) (Name ol_-A & HI (Home 0lf1Ce Address) Tl1is policy wiI pay amounts due on this contracll4J to S APPROVAL: I DESIRE TO OBTAIN THE CREDIT UFE AND/OR ACCIDENT AND HEALTH INSURANCE CHECKED ABOVE FOR THE PERSO~I PERSONS PIIOPOSED FOR INSURANCE. t ~ 6i:1 ?fanl Co-Buyer Signature 1? :lItJ ~t" I Buyer Signature Dale /lJfY INSURANCE THIS CONTRACT DESCRIBES DOES NOT INCLUDE COVERAGE FOR BODILY INJURY AND PROPERTY DAMAGI: CAUSED TO 011lERS. If_---_-........~__-_--... _the _ _ 01 this _ for _ "'-'"'" .--.lncIucIlng your agreement to glYol us . oecurIty I_In Insurance premiums -...- . You aIgnacIthIs _ on (Do not_ on SUnday) \ilo.fbl~J :'Illt.l Notice to Buyer (Dey) (Yr.) Do not sign this contract In blank. You are entitled to an exact copy of the contract you sign. Keep It ~ t your al rI C L2.. i/; ..,., Co-BuyerSlgns. ~ ~./ Co-Buyws.xl OC'*' Ownere Is. _ who Is ~ lor paying the enlie -.1v1_ ......:.Is. _ name Is on the liIIe to........buIdoas not _to lheco-buyeror ___ thalwe _. secuIIy _ in the_ and =-lDthe sealll1y -. ~-~- --~ ~SignarRIIlI\..[R IIAARIr;;IlY'lr. HI{:; By ~ ~~ Tille ~ You acknoWledge you received a true, correct and complete copy of this tract from the selll!r when you sign this ,contract. Buyer S1gns~ Co-Buyer Signs " '~GIIIaInad"" __GenaraI ~ Corporation (GMl on _crecII_. ~ aaaigns lis _In this_to OM underlhl~ _or... OM......... s.. ~ Plan-T_ ol__ and Aasignmanl__ Olherwise, 6elIar aaIgns Is _ in this_ IllGenara1Ma1D1sAcooplanoa CorpondIon (GMAC) ......_oI...GMAC ReIaI Plan~ AaIgneclwlllt_ Asslgnad _orwlllt__ A - lIAR ~ TiIle_ ZICIt M 12-11 t3llF<<_In... _ ef~ (l "'4' ORIGlNAL 'f~ ;! ;:~; :.~'~' ::;.:~: ' ;:.:':1:: ~~j~; !~j${ ........,.. f.:;~::. :};:':(, ,'II1i' ;'.:t'.' .,.., , -:. ..:~ .;...;; .;~. :1 ~.. . . ?!::: ~'O' ,; .,::. 1,~ ":i..' 1.::j: :~.':;:; .' " 1::: . " '.' II !;:~;g,. 1:;:';:- ~::: '::' : j%iW .:....: :j:::;; ;1: ~:;i ::.::: ....,... !!jj~~ Ii *%,.. %~~.i.;: : i;ll~,.... ~.::i::"W" I' OTHER IMPORTANT AGREEMENTS OwnershIp and Risk of Loss. You agree to pay us" you owe under Ihis c:onlIW:I even If Ihe vehicle is dlImIlged, deslroyed or missing. You ~ not to remove the vehicle from Ihe Unit8d Stales or C8llIldL You agree that you will not sea, I8l1I, I8ase or olhMWise lransler lIfty interest in the vehicle or 1hls conIracI with. out our wriIIen pennission. You agree not to expose Ihe vehicle to misuse. seizin, conIIsc:ation, or other Involuntary lransIer. even If \he vehicle was noI the subject of judic:IaI or 8dminislrBtiYe action. You wllII8ke SUl8 our aecurity ~ (lien) on Ihe vehicle is shown on the 1IIIe. . we pay lIfty repair bIDs. storage bIIs. taxes. fines, or other charges on Ihe vehicle. you agree to repay !he amount when we uk lor It. Security Interest. You give US a security intBt8S1 in (1) the vehi- cle being purchased, (2) any accessories. equipment and replace- menlparls InslaIIec:t in \he vehicle. (3) any ins_ premiums and charges lor service c:ontracls I8lUmlId to us, (4) any proceeds of insuranoe policies or service contracIs on the vehicle, and (5) any proceeds of inauIanc:e policies on your Ufe or heallh fhat 1hls contract flllllllCllS. ThIs secures payment of all amounts you owe in Ihis contract. or that you may owe under any separate inslnnce finance lIg.-t with us. ThIs secures payment 01 aI Imounls you owe in lIfty fransfer, renewal, extension or assign- ment 01 this contract. If IIIso secures your other agAHIments in this contract. Prepayment Refund. You can prepay an of your debt and gel a refund 01 pm olthe Finance ChaJge. We wID ligUle Ihe refund by the AcluMal Method but we wi! not pay you If the net finance c:haIge is IesI fhan $10. We wi noI pay you the refund K I is less fhan $1.00. Required Ph)'81c81 o.mage Insurance. You agree to have physical damage inslnnce covering loss or damage to the vehi- cle for the lerm olllls contract. N.lIfty time during the Ienn 0I1his conIracI, . you do not have physical damage insurance thai ctN. tIlS bolh your inlIIntsl and OW' inlereslln the vehicle, then we may buy InsInncIl foryou.1f we do noI buy physical damage inslnnce that _ boIh InIanlsfs in the vehicle, we may. K we c:hoose. buy lnslnnce thaI_ only llI6 inleresl. We are not obIigalecI to buy lIfty inslnnce. but may do so . we choose. . we buy insurance, we wiDleII you what type If is and the c:haIge you must pay, If any. The charge wilbe the cost of the insla'. anca and a finance charge, a11he highest lawful conlnIcf rate. You agree 10 pay tie charge In equaJ inslaJmenls, either with the pay. ments __ in the Payment Schedule seclion. or as a separate ac:count set up lor this purpose. If the vehicle Is lost or damaged. you agree that we can use any Insurance setIlemenl either to repair !he vehicle or to apply to your debt. Late CIwge. You wi have to pay a /ale charge on each pay- ment we ~ _Ihan ten days 1aIe. The charge is __ in the Federal Trulh In I.ending disclosures section on the Ironl. . we accepl a lID payment or lID charge, this does not excuse your IaIe paymenI or _ that you can keep rnaIdng payments /ale. We may _lakathe sl8pS In Ihe sec:tion5 "When You Must Repay in FuI a-. tie Sc:hedufed Dale. and "Repossession 01 the Vehicle for F....1o Pay" If fhere is any laIe payment. 0pII0nIII1nIurance or Service Contract&. This c:ontracl may oonIlIln cI8ges for apliona/ Inslnnce or service contracIs. . we repIlllAD tie whicIe. you agree that we may cIalm benelils undIIr...conIJacfs. You also agree that we may"""" them to obIIIn rwfunds for..-ned cha/geI.' Refunds of Insurance or ServIce Contnlcl Ch8rgK. If we ~ a...... olllfty c:haIge for required lnsurance, we may (1) credII II 10 your accourt, (2) use 110 buy similar insurance, or (3) use II 10 buy lnslnnce which _ only our Inlereslln Ihe whicIe. We wi cnldit any Alfund on oplionaI illSUlllnee or seMce....-- we obIain 10 your account. We wi credII bolh the amounts we receive and the unearned Fmanee Charges on those amounts to your account We wlI apply __ credits 10 85 many 01 your payments as they wi cover, begirving wllh the last payment. We wIItell you what we do. When You Must Repay In FuR Before the Scheduled Date. If you pay any payment lID; If you or someone else _ a proceeding In bInkIuptI:y, recelvershlporlnsoMncy againsl you or your property; or If you brlIlIk IIIl)' d \he agreements In this ClIIl- tract(def8uI\). _candemand that you pay" you owe on this c0n- tract aI once. We must giwe you IIIl)' notice required by law. In fig- uring what you owe, .. wiI giwe you a IlIfund of part oIlhe Finance Charge figured the same way as If you had prepaid in fuI. Repossession of the Vehicle for Failure to Pay. Repos- session means Ihal we can lake the vehicle from you If you fall to .....; ~ pay acc:ording to !he payment sc:heduIe or If you break any of the agreements in this contract (deIauIl). Wa must give you any noice Ihe law requires. We can enter your propartyor!he proparty whare Ihe vehicle is stored 10 lake the vehicle ff we do If peaceiu1l)'. If there is any personal properly in !he vehicle. such as cIolhing, we will store If lor you. Any accessories. equipment or replacement parts wID stay wllh the vehicle. Getting the Vehlcle Back After Repossession. If we repossess the Vehicle. you have Ihe right to gel If bad< (redellm) by paying all you owe on lhe conlracl (not just past due paymenls), You wlI also have to pay any late charges. the cost of taking lInd sto~ the vehIcIlI, and other e>cpenHS Ihat we have had. When we ligure the entire amount you owe on !he contract. we will give you a relund of part of \he finance charge figured the same way as If you had prepaid your contract. Yourrightto redeem will end wtlen we sell !he vehicle. Sale of the Repossessed Vehicle. We will send you a ...ril. . ten nollce of sale aIleast 15 days before we sell the vehicle. If )'ou do not redeem the vehicle by the dale on the notice. we can nell !he vehicle. We will use the net proceeds of !he sale to pay all or part of your debt. We wII figure \he net proceeds of sale by subtracling these items from the selling price: Any /ale charges; any charges for taking and storing the vehicle, cleaning and edver\islng. etc.; and any reasonable attorney lees and court costs. If you owe us less fhan !he net proceeds of sale. we wiD pay you !he dilIlII8l1C8. unless there is a requirement Ihalwe pay If to SOlTle- one else. ForelC8ll1lle, we may have to pay a lender who gave you a loan and also took a security interest in lhe vehicle. ff you owe more than \he net proceeds of sale, you wiD pay us l1e dilIerence between !he net proceeds of sale and what you owe when we uk lor it. If you do not pay this amount when we 8l;k, we may also charge you interest Bl \he highest lawful rate until you pay us an you owe. Collection Costs. If we hire an allorney to coIIecI what you owe. you wiI pay the attorney's reasonable lee and any court costs. Delay In Enforcing Rights and Changes of this Contract. We can delay Ill' I8fraIn from enforcing any 01 our rights under tl'1s conIracI wiIhouIloslng r.n. For exa., we can extend the tinle for making some payments without ~ \he lime lor others. Any change in terms of IIis contracIll'IlS1 be in writing and we must sign II. No oral changes are binding. . any part of this contrac:l is nol valid, all other paris will remain enloIceabIe. Warranties We Disclaim. You undenlIand thalli you IIr others use the vehicle prInclpaay far business or agrlcuhu~.1 purposes, or II .. tolcl you In wrfIIng befoIe sale that we a'. aeIIIng the vehicle on an ....Is...... andlhat you are respon- sible for the enlIre risk .. to the quaIfty of performance of Ihe vehlc:le, fhare Is 110 ImpIfed wmMly of merchantability, no implied warranty of ~ for a particular purposa and no Implied warranty that extends beyond tha cfe8crIpllon oIlhe vehicle on the other tilde oIlhIs contract, unless we extend a wrIllen warranty or aervIce contracl wIlhIn 90 days from the dale of this contracL An implied WlIITlIllIy of merchanlablfily generaly means lhalthe V8hicle is III for the ordinary purpose for which people generally use such vehicles. A warranty 01 fltnesa lor a particular purpose Is a warranty 1heI may arise when we have reason to know lh= particular purpose for which you require the vehicle and you rely on our sklIf Ill' judgment to funUh a sullabIe vehicle. This provision does not alleel any warranties ClOY8ring the vehich thai the vehicle manuiacllnt may pIovide Ie you. Used Car Buyers Guide. The lnformaUon you _ on I!>. window form for this vehicle Is part of this contraeL informa- tion on the window form o-ndea eny contrary provisions In lhe contracl of sale. Notice of Substitution of Contract. If we obtained this vehi. cle lrom General Motors Corporation (GU) on instalment credit terms. we wID substilule this conIracI lor, and this contracl will replace OW' obligation to pay GM forlhe vehicle you 8I1l purchas. ing. This substiIulion wiI not change !he amount you have agreed 10 pay us, the JlllYl!l8nf scheduIe.1he finance charge or any of YOU' rights and duties for this purchase. The lerms of this contract sel lorlh your entire and only obligation to us, GU. or any other holde,' of this contracl. NonCE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PUR. SUANT HERETO OR WITH THE PROCEEDS HEREOF, RECOVERY HEREUNDER BY THE DEBTOR SHALL. NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. '. .~: .." :l/',f. .:~::!t": ....:.:N.~ :.J......... -.:::;:::':..; ............. :~!!l!N .::::.~:,:~: ::.;.:;1,. ::~:':;~:: ,','.N ............. :.:.:..:.;.... 'I:':':':':: ;~~.~~~~; : :I':'t~r :.:.:.::", rif{ ..'t..... ." ," ~r~t: ::.;,.;.. ",,', ;=:,;:,;': ::(;::: .,.... .,..... :~~~t~Jf r~ll:. .1.,.. :::@:$:~:' :w~fffi' ][:I:~: ':~I:~ii;u VERIFICATION ~OC\\ f.\.6VV\i Ai 5+-'cJa of (TITLE) The undersigned does hereby verify subject to the penalties of 18 PA. C.S. 4904 relating to unsworn falsifications to authorities, that he/she is C,MA \lc-A.I~.sli (NAME) G rnAC (COMPANY) , plaintiff herein, that he/she is duly authorized to make this verification, and that thH facts set forth in the foregoing Complaint are true and correct to the best of his/her knowledge, information and belief. ~'K~-Z- (SIGNATURE) ACCOUNT NO: 020468512091 WWR# 03329235 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYL VANIA CIVIL DIVISION GENERAL MOTORS ACCEPTANCE CORP., Plaintiff vs. : No. 04-1509 Civil Term GLORIA J. SCHELL AND CHARLES H. BAENIG, Defendants NOTICE TO PLEAD (;~.:' ......:l a c:~ c;-..;, -n ..r;- ~'j'- :r _.:1>.... -.. -n .. rll r= ....-, r'n .~ :u ? 0 (.) C) : -.-1 -- -'Ti ~: Q -"\ (~i ,'- ..~ IT1 -- ~~i ~2~ .- ];:: _. : ~l:- .-...... -~ v..... -:; To: GENERAL MOTORS ACCEPTANCE CORP. c/o William T. Molczan, Esquire WELTMAN, WEINBERG RBIS CO., L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 You are hereby notified to file a written response to the enclosed New Matter within twenty (20) days from service hereof or a judgment may be entered against you. Date: May 10, 2004 By: Attorney for Defendant, Gloria Schell-Baenig EXHIBIT B IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYL VANIA CIVIL DIVISION GENERAL MOTORS ACCEPTANCE CORP., Plaintiff vs. : No. 04-1509 Civil Term GLORIA J. SCHELL AND CHARLES H. BAENIG, Defendants DEFENDANT'S ANSWER AND NEW MATTER TO I'LAINTIFF'S COMPLAINT AND NOW, comes Gloria J. Schell, the Co-defendant above captioned, by her attorney, Edward 1. Mimnagh, Esquire, and files the following Answer and New Matter to Plaintiffs Complaint respectfully averring as follows: 1. The averments of fact set forth in numbered paragraph 1 of the Plaintiffs Complaint are admitted. 2. The averments of fact set forth in numbered paragraph 2 of the Plaintiffs Complaint are admitted in part and denied in part. The Co-defendant admits she is an adult individual residing at 1001 Namoc Drive, #22, Mechanicsburg, PA 17055. However, the Co-defendant denies that Charles H. Baenig resides at 1001 Namoc Drive, #22, Mechanicsburg, P A 17055. Co-defendant believes and therefore avers that Charles H. Baenig is currently serving a 225 year prison sentence in a Pennsylvania State Correctional facility. By way of further answer, after Page 1 of6 reasonable investigation, answering Co-defendant is without knowledge or information sufficient to form a belief as to the truth or falsity of the averment contained in Paragraph 2 of the Complaint and therefore denies the allegations thereof these allegations are specifically denied. Strict proofwill be demanded at time of trial if the same be material. 3. The averments of fact set forth in numbered paragraph 3 of the Plaintiffs Complaint are admitted. 4. The averments of fact set forth in numbered paragraph 4 of the Plaintiffs Complaint are admitted. 5. The averments of fact set forth in numbered paragraph 5 of the Plaintiffs Complaint are admitted. 6. The averments of fact set forth in numbered paragraph 6 of the Plaintiffs Complaint are admitted in part and denied in part. The Co-defendant admits that she was unable to make all payments as promised under the Contract. However, the Co-defendant denies that the entire balance of the Contract is immediately due and payable to Plaintiff since Co-defendant permitted Plaintiff to peacefully repossess the vehicle and is no longer in Co-defendant's possession. The remaining averments of numbered paragraph 6 of the Plaintiffs Complaint are conclusions of law with respect to which no responsive pleading is required. 7. The averments of fact set forth in numbered paragraph 5 of the Plaintiffs Complaint are denied. After reasonable investigation, C o-d(:fendant is without knowledge 0 r Page 2 of6 information sufficient to form a belief as to the truth of the averments of Paragraph 7 of Plaintiff s Complaint. 8. Denied. By way of further answer, the contract does not provide that plaintiff is entitled to interest at the rate of 6% per annum. By way of further answer, the contract indicates that the late charge will be 2% per month on the amount of the payment that is late, computed on the basis of a full calendar month for any fractional month period in excess of 10 days. By way of further answer, after reasonable investigation, answering Co-defendant is without knowledge or information sufficient to form a belief as to the truth of the remaining allegations contained in this paragraph and therefore these allegations are specifically denied. 9. Admitted. It is admitted that the Contract provides for payment of reasonable attorney fees, however, based upon the fact of this case it is. denied that Co-defendant Schell should be required to pay such fees. By way of further answer, after reasonable investigation, answering Co-defendant is without knowledge or information sufficient to form a belief as to the truth of the remaining allegations contained in this paragraph and therefore these allegations are specifically denied. 10. DENIED. After reasonable investigation, Co-defendant is without knowledge or information sufficient to form a belief as to the truth of the averments of Paragraph 10 of Plaintiffs Complaint. By way of further answer, after reasonable investigation, answering Co- defendant is without knowledge or information sufficient to form a belief as to the truth of the remaining allegations contained in this paragraph and therefore these allegations are specifically denied. Page 3 of6 11. DENIED. After reasonable investigation, Co-defendant is without knowledge or information sufficient to form a belief as to the truth of the averments of Paragraph 11 of Plaintiffs Complaint. NEW MATTER By way of further answer and defense, Co-defendant avers New Matter as follows. 12. On or about June 4, 2003 Plaintiff sent a notice of collection to Co-defendant which stated that Co-defendant had until June 15, 2003 to cure the past due condition of Co- defendant's account with Plaintiff. 13. On or about June 18, 2003, Co-defendant permitted Plaintiff to voluntarily repossess the 2001 GMC Jimmy (hereinafter "vehicle") from the premises of Co-defendant's employer. 14. At the time Plaintiff took possession Co-defenmmt had paid approximately seven thousand eight hundred forty eight dollars ($7848.00) on the purchase price of the vehicle to Plaintiff 15. At the time Plaintiff took possessIOn Co-dej=endant had driven the vehicle approximately twelve-thousand - (12,000) miles. ~b~ ~ -lor:, ...f) Page 4 of6 16. On or about August 20, 2003, Co-defendant received notice from Plaintiff that it had, on August 8, 2003, sold the vehicle for and on account of Co-defendant. 17. However, Plaintiff failed to give Co-defendant any notice of the time and place of sale, as required by the Uniform Commercial Code. 18. Plaintiff failed to comply with the notice and sale provisions of 13 Pa.C.S.A. 9 9504. 19. Plaintiff s notice to Co-defendant did include that at said sale the vehicle brought a price amounting to eleven thousand one hundred dollars - ($11.,100.00). 20. Pursuant to the Kelly Blue Book, said vehicle has a current fair market value of thirteen thousand nine-hundred dollars - ($13,900.00) as of May 2004. 21. Co-defendant is unaware of the fair market value the vehicle would have brought in August 8, 2003, when the vehicle was sold. 22. Because the vehicle was sold at a price below fair market value Co-defendant, is entitled to be credited that amount from Plaintiff as a result of plaintiff's failure to forward proper notice to Co-defendant. Page 5 of6 23. When Plaintiff chose to repossess and sell the vehicle as means of recovering said deficiency, Co-defendant is entitled to have the reasonable value of vehicle at time of resale determined. WHEREFORE, Co-defendant respectfully requests that Plaintiffs demand in the amount of $10,581.75 plus attorneys' fees and costs be denied and judgment against the Plaintiff and costs of this action. Date: May 10, 2004 By: J. MIMNAGH 203 West Caracas Avenue Hershey, P A 17033 Telephone No. (717) 534-2600 Attorney for Defendant, Gloria Schell-Baenig Page 6 of6 VERIFICATION I, Gloria J. Schell, verify that the statements made il1l the foregoing Answer and New Matter to Plaintiffs Complaint are true and correct. I understand that false statements herein are subject to the penalties of 18 Pa.C.S. ~4904 relating to unswom falsification to authorities. Date: '{V\~.At'K ~cY1-{- ~~~<;:~~~ Gloria J. Sch 1 \ Co-defendlmt IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION GENERAL MOTORS ACCEPTANCE CORP., Plaintiff vs. : No. 04-1509 Civil Term GLORIA J. SCHELL AND CHARLES H. BAENIG, Defendants CERTIFICATE OF SERVICE I, EDWARD J. MIMNAGH , Esquire, Attorney for Gloria Schell-Baenig, Defendant herein, do hereby certify that on this date I served the foregoing Answer and New Matter by depositing a true and exact copy thereof in the United States mail, first class, postage prepaid, addressed as follows: William T. Mo1czan, Esquire WELTMAN, WEINBERG & REIS CO., L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 Date: May 10, 2004 By: J. MIMNAGH 203 West Caracas Avenue Hershey, PA 17033 Telephone No. (71l7) 534-2600 Attorney for Defendant, Gloria Baenig IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION GLORIA J. SCHELL AND CHARLES H. BAENIG, GENERAL MOTORS ACCEPTANCE CORP.,) ) ) ) ) ) ) ) ) ) Plaintiff, v. NO.: 2004 - 1509 - CIVIL Defendant. PLAINTIFF'S FIRST REOUEST FOR ADMISSIONS AND REOUEST FOR PRODUCTION OF DOCUME:NTS Plaintiff demands that the defendants answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days from the date of service hereof. Plaintiff also demands that defendants answer and respond to the following Request for Admissions pursuant to Pa. Rules of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: 1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made. 2. If you do not admit each of such statements, you must specifically deny each one not admitted or set forth in detail the reasons ;why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for the Plaintiff within thirty (30) days after delivery hereof. 4. If you fail or refuse to admit the truth of any such statement of fact and the Plaintiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses incurred in making such proof, including attorneys' fees, witness expenses, etc. 5. If, in response to any of the following statemen1s of fact, it is your position that the statement is true in part or as to some items, but not true in full or as to all items, then answer separately as to each part or item. 6. If you have been sued in more than one capacity or if your answers would be different if answered in any different capacity, such as partner, agent, corporate officer or director or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. EXHIBIT f( 7. In these Requests for Admissions: A. The word "person(s)" means all entities, and, without limiting the generality of the foregoing, includes natural persons, joint owners, associations, companies, partnerships, joint ventures, trusts, and estates; B. The word "document(s)" means all written, printed, recorded, graphic, or photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any manner to the subject matter indicated; C. The words "identity". "identify". "identification", when used with respect to a person( s) means to state the full name and present or last known address and business address of such person(s) and, if an actual person, his present or last known job title, and the name and address of his present or last known employers; D. The words "identity". "identify" "identification", when used with respect to a date, subject matter, name(s) or person(s) that wrote, signc~d initialed, dictated or otherwise participated in the creation of the same, the name( s) of the addressee or addressees if any and the name(s) and addressees) of each person who have possession, custody, and control of said document(s). If any such document was, but is no longer in your possession, custody, or control, or in existence, state the date and manner of its disposition; and E. The word "identify", when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means to (1) describe the substance of the event or events constituting such an act, and to state the date when such act occurred; (2) identify each and every person(s) participating in such an act; (3) identify all other person(s) (if any) present when such act occurrl~d; (4) state whether any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identify the person(s) presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. 9. These requests are of a continuous nature. These Requests for Production of Documents shall be de:emed continuing so as to require supplemental answers and documents if any information of documents are acquired subsequent to the filing of responses hereto, which information or documents would have been included in the answers and documents produced had it been known or available at the time the answers and the documents provided pursuant hereto were produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such information becomes known or available and in all events, prior 10 trial of this action. If objection is made to any requests for production of documents, it is demanded that the requests for which there is no objection be answered and furnished within the aforesaid period. All documents identified in response hereto shall be orglmized and labeled to correspond with the request to which it pertains. For all documents produced, list the individual and his or her job title and department from whose files it was produced and the current custodian of said document. If a document called for is believed to exist or is known to exist, but is in the possession, custody or control of another person or party, the existence of the document, the identity of the possessor, custodian and one in control of such documents shall be provided along with any applicable common description or citation utilized by the publisher, possessor, custodian or disseminator of such document. If any document called for by this request is withheld on the basis of any claim of privilege or any similar claim, identify that document as follows: author; addressee; indicated or blind copies, date, subject matter; number of pages; attachments or appendices; all persons to whom distributed, shown or explained; present custodian; and nature of the privilege or similar claim asserted. REOUEST FOR PRODUCTION OF DOCUMENTS 1: List all payments on the subject Retail Installment Sale Contract referenced in the Complaint and produce any and all documents evidencing proof of those payments, including, but not limited to, cancelled checks, receipts, coupons, statements, aecountings, memoranda, invoices, financial statements, accounting entries, diaries, charts, lists, phone records, data compilations etc. REOUEST FOR PRODUCTION OF DOCUMENTS 2: Produce any and all documents you intend to introduce and/or provide testimony on as evidence at the time of trial. REOUEST FOR PRODUCTION OF DOCUMENTS 3: Produce all documentary evidence or information substantiating your view as to what you think the value of the vehicle was at the time of repossession. REOUEST FOR PRODUCTION OF DOCUMENTS 4: Produce all documentary evidence or information substantiating your claim in paragraph 15 of your Answer claiming that at the time Plaintiff took possession, Co-defendant had driven the vehicle approximately twelve-thousand miles. REOUEST FOR ADMISSION NO.1: Defendant is in default of the Retail Installment sale contract for failing to make monthly payments. Admitted Denied If the answer to Request for Admissions No.1 is "denied", then supply specific written documentation supporting the denial. REOUEST FOR ADMISSION NO.2: Defendant has not submitted any written dispute as to any accounting inaccuracy concerning payments on the contract in question. Admitted Denied If the answer to the Request for Admissions No.2 is "denied", th~n supply copies of specific written disputes as to any billing inaccuracies. REOUEST FOR ADMISSION NO.3: Defendant signed the attached Retail Installment Sale Contract. Admitted Denied If the answer to the Request for Admissions No.3 is "denied", then supply specific written documentation supporting the denial. REOUEST FOR ADMISSION NO.4: Defendant received the attached "Notice of Plan to Sell Property" letter. Admitted Denied If the answer to Request for Admissions No.4 is "denied", then supply specific written documentation supporting the denial. '/'../ - ~ ~- L William T. Molc Pa. J.D. #47437 Weltman, Weinberg & Reis Co., L.P.A. 2718 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR:03329235 lH1S r:nNTIlOCT 1I"r.t.UDE. . .<lTTflC,.'P RIDrH LflDntD .[;Ktlr: "Mfllll IIIi 19A'AC ,. -......,.. [~ ] Rl.ORIA J !;(;.lUL t:HARUS II IlAENr(; llel-ee NRHRnr: DR MtOfAN I CSBI 1m; PA I 705~, FAlI.I(Nf.R tiARR I SIIURG. I Nr.. ?f/lf.0 I'IU TON 1';T Ill'ET ffl:lRRISnURG PA 171w.'i you......,. (8ndeo-au,w.lllI1I'l. 1M)' buy the _ _ _tor_ or on credIL na....price is __ irlthe __.d_ FiMnoIICI' .. "CellI Plio&: The .... price is _ _ ill the ~ T...........1..8nding DisCIooanc .. "T. SIIe Plio&: By siQning" conlraC\, ,..., _lDbuythe _ ....... under the __on the IranlIJtldb8d<of Ihls conIrICL "Y......,")IDuI"reIorlDjoJu.lhe au,... end..." eo-au,w. "We'. "Us.IJtld"Our" relorlDlhe ~1lIIIIIOd_ ondlOonyanelD_1he Seier ...iprs'his - So..- iNonds ID BSJlgn Ihis _ID_'......... AccepIBnce CorpoIBfion (GMAC). DeIaIpIDII elV_ Y.. _lDbuy end... __ IOIlOIIIho ~_: _...~ _BndMod8l V_Id~No. u.. tar_ """"-j lQporIOIlBI Chlllicullt.., o busirmJ 0 NrW JGKCTIBW7IKI7~578 FEDERAL TIIlJTIoWN.L.EN IIISCI..OSURl$ IoNIILMLI'ERCEHTAGE RAtE The _ of,.... .... .. I ,..-... 2.9fl .. _'_t FInonced na_a1crd JIIDVIdod ID "'" or on """ bIhd. s 28602.3& ToIII SIlo PrIce 0 The lllIII_ of """ pur:ho.. ......... ~ JIlU dDwll> plIYlI*dd$ ~. '-/3 is t ..ue:. .b:). FINANCE CHARGE The__ ......... - ,.... s 1'171. 3~ T.....of~ The _,...,.._ pIiIl _,...,_lIIIIIeollJll)" mlnls.. schoduIolI. 38571. 70 Y- Whon Plymenls ,.,. Duo MonIhIybeginning . I FI PflYHF.HT OF Uti:'! I . ee Dl F. ON 12 SEP 21'10ft Ule ChoIga.' 0 ~ is nal pIiIlln"'_ 10 dip _. is duo. "'" wllpIf I lite ~. '" whIcIe purcI1esId lo a heIvy __or ........... ~ .. be ~ of.. ....... '" the JlIFIMIIllhll is ..... U!he _ purchIsed is ~ buIinosJ or farm ~ the ',,"rge ... be K d.. __ "'... ~ lhIIle..... '*-.the chIIJIt will be Z% per _...the lmounl of the I8I'menI hIlle..... -.-.u on the... eI 0... _lIlOO6far...,,_ _ period In _ of 10 days. ~. ""'pIf.... """dobI.....,...,....,.be _ID a NIund DlI*! of !he ___ charge. SeouIIIt'.......... V...... QivIng allCUllly inIoreat ill !he ...... being pun::IIued. IodlIIIoMI ---= SIll .. _ _ '" Ihis _ far more InIormaIiDn incIulfing inIarmation __ _ymert, delauIl. Iny required 'opal" menlloUl ,*-the ochoduIod -. __ _ oncl secullrirMreot. Or..~ 1TEMlZA.1lON OF AMOUNT ANANCED 1 CIIIh_~IlII'-.nrvicec.end_) 2TcIIIIo-.~I"NaITfIICIe.lo$ r,'i"i 'l"\ . Oller 1Dacd>e) V_T_IM r:Hf'1I1lr1l F'T V_ ~ $ 28~1'I."'0('l .CuII~$ $ s ~1~~~l. I]: 1 '21 - :I Lqaald...... of Cosh Price (1 _ 2) 4 0IhIrc:a..g.s IndudIng _ _to ov... an __ CSeDer may be Uepln; port 01_ ornountJ.): ... CoIIlIl AIqtDd f'hrslcII DImIga .......... Paid ID'" InsurInce ~ Nomed in ... N I R _ SecliooI.'- c-Ing ~ IDIIe VelIicIe -. ColI DlOplonol Moc:IMcII Aapair"""'" PaidID'" __ Conpny Nl_ i111he ___ Section. eew-c:o..rirw CeIbin Mochani:aI FIepoIrs _ CoIIlIl CpIionII Crd LIt _ _1Jtld _ _far Iho T.... of Ihis ConIrIcI Paid ID.......... ~oreaonp.nilS _In" _SecIioII._. IJIos -.r._end_S D 0IIciIi".. Paid ID Gow.nmenl Agenc:ioJ E T_ NoIIncluIlod In CIIIh _ F ~"""'IndIDr~""~) II ~ CeIfIcIIt lilT-.".. " ~~_~_"'_~anddeocrtbe_) ~ . TIRe lU f-~c::; 278~~. 05 (3) s $ N/A $ $ $ $ $ 111l.0l'l &lt2.fJI. Ill. 7~ ~2,SIl $ $ !;5.0l'l N/A M ~ T_ Olhw ChIrgos and "-- Paid to CllI-. on YOlO' 8ehaI s_~~{ :::~ =.:~ 7T1mt -....-T_III...,..../5. 6) by . Po,mont-:12.- ~ of$ ~& I, ~..-.bOgInrOng f ~ r, " >DtI1I tor. sc:f'tedufed' pa)'IMI'IIs ... irreglhr or UTIIV8ft. /MD.I rD-1'I (Yr~ .. inIIcoIocIln .. ~ TIUlIHn-I.aftcIi J:liactloula. _ S $ $ $ 1:./1. .j) (4) dlb0<:. .q 1 ':III. .;rr6i J0C.IJ.~ ___.II9'_Ie_-.thepoliciooor__by"~_"_"'_end_ ........., ...,.., o..go ~ w. '-IUh IhIIIlIOII '- ""'*-' ~ ~ -....r IIIpoIr ............ We _ .."" ~ V.... ....,. DbIIlo . _ onyone ,..., .... _10 ~ ID IlL We _ .. cost '" IIilInannco In 48 d the IIomImliarl of AmolD1l _ ... _ eI lhic lnoolroJQ In 4A eI Iho ~ Dl AmIlUll\ FInonced, FlIwlced...... ..... ..........~ ,... :romr1t'Nt-- ..........~ tl'R OS ~ DeducIbIt CoIIioIan Ind_ D"" Cco.4"......... ~ Fn. TheIlIllll CombInod AddiIionoI Covetoge D$_~ ~"_Inclucing FR. TheIlIllll Combined ~CovwI;o D"" TheIl and ~ AddIlionaI Cow8nIQe 0pIiDnIII,. eIeond-OT~"" Ubar CDJlS 0 FlInIoI ~ 0 C8 _ Equipmenl -opIIoMlc..- .....". AocIdoaI_ __ We dolDl__ ,...,ID_....... _...,....._1II1Jtld _ Inc. IIICt ID......... W...IIlIlJllDVldo...........,..., Ilpn far ....1IlII_to pIf".-.aJCIlII. . "'" _1Iil........., chIcIt the _,co IiIIIrId and sign..........,.., '-_lhis............. cost Ie __ in 4C of.. ............ III AIoounl Financocl."'" ~.. ~ IIeIIroCI:D LIt /BUYWD eo-a..,..t:t D DisabIIIr. Accl_...,..... (Buyor 0nI1l T.....: 036 mentis or36.DDO..... ~.......Iirol Term: 0 iliA 0$25 DecidbIa O$SODoducIIbIeOS_Doducllllle fName 1lI_-lJIe) fHomt 0lIi00 ~ fName of............. & If) ThlJpt1/iI::y..,.,.___.....__""ro. (Homo 0IIi0t ~ - -- ..- ._- ------- ..- '-"'-' ---....- --_ .__ _ -..r ~I' f.': ~ ~;, $: ;,. il. )." ,< r: ~: >.: ~;: ~~ r,;: 1:' ~: }: .2. 1:': i tt. ~.: ;.:~ ~,;.. ;::. i~: ~. ir it ;:t ;;~. ..: '. ili~~ ~ '.. '. ~;f: ~~~ :;.. ;.:i ~~ ~:~: -~:~~ 'Il ~~~ i;~~, ;;~ "- ~~. ~;;i. :!~ ~, :1' I: I~~:!")/::': :'.. i. .;: ~;:.?:t~ :::::';" ~. J: .,~.:.:":' .EXHIBIT 11><:" f; ili;::..;:......u :!r] J..- CIloovL f I peymont 10 nDI pM! in ,.. wilhin 1D days Iller fl is do 011 pay llole chllJle ft!he _ purchased 10 I huYy cmnm.rclul_ ......... II. d:3rpe wi! be .'It. '" Iho _ '" Ihe pa,.".n11h111 is 10 _ purcI1uell is DII-hi9hwaY businoss or lorm equipmenllhe chllJl. wi be 5'lt '" lie _ II the pa_ lhI1 is iIle. 0Iherwise. ,he cha.. ... be 2% .... manII1 "" lhe .mount of the paymenllhill .. Iale. compUlOCl "" !he _ alllIlII..--monll>lar I~_"- poriocl in........ '" 1D days. ~ . "'" pay.aII",.,ur _ oorty "'" may be.- I<> I rotund of pari of lhe inonce chllJlI. So<:urlly __ V"" ... giving I securtlr inIoresl in tile _ole being pu><:hosed Adaj.... .............., See !he _ _ oflhis COI'dl1Icllor mare inIDrmlIIilIn inclulIing onIl_ IlbouI nonpayment. detauIL 0"1 rllllUirell ropal' menI in luII-..lhI_ date. prepaymonl r_ IncI oer:urlIy lIll.,e11 1TElllZA1IOIl OF AIIOIIHT FINANCED t CuhPrioo ronduclinD _ _. _. __esl 2TllIII~.NIIIT_S f,'l"; "", o 0Ih0r /DeIcrI>e) V....T-...... f"fIF'VRrlI FT V_ Make S ;'H:,I1",'. [it~ (1) o Cuh Downpaymonl S S s i,' ,~ '. '... , l'Z) Model :a IJnpaid Il8IInce 01 CuI> Price f' _ 2) . 0Ih0r~ kaIIIina _ P8id 10 Others em Vo... _ rs-- may be keeping pari 01_ I~ .,,==-~"'=~~=V'::"~~Nlmod..lhe h//.~ _ CoIIt oIOptianII MocilIniclII RopaO-InsurI.... Paid I<> Iht _ ~~ Named in !he N I A __ ~ ~Cowering CorIIIn MochInicII RIpoirs S ;:'11\1, ;1. ~l~.l (3) _ CoIItol ClpIicnI CId!.ll_ _ _ _ _Iorlht Term allhis ConlrIcI Paid .... __ CamplnJar Companies _ inlho.......... Socliorl._. !.liS ~.___S D 0Ii:iII Foa Paid .. .............. Aponcios I T_ Nallnc111lor1in Cuh Price F ~ ~ and. Aegisnliool Foes (bemIza) II ~CoIIIIic* oI1lIIe Foa " OIhor~~IIIIIII~whowll_paJm*d___) F~ llAC 1U NI)JI'lIlY I-~l~ .. lor. TaIII 0Ih0r~ and __ Paid I<> Others .. YDlS _ S,,"-_Unpaid{' ::::~ ~ lliIcboura TT_ __-ToIII of PaymonlS IS.. 6) AoqIirecIby- ~ . ~~:12..- __ ofS ~e. J. e.50l1C11. rnonI/lIybogiMing . :. 11 !'! ~0l0l , Dr. scheduled pI:~.... irreguIIw or uneven. ,...~ IDIl'I (Yr.) .._ in... FederalT~ DiocIasures.-' S S S S S 11'1.l'l0 f,/~~. W. I Fl. ,~o ~!2.~'" S S f,:i.l'l0 N/R 1:0/1....: (4) iti~b0<:.~ 1 '1' I .. :;t'(ij .30~ I .s,,, 7r(7) s s s s Ir-.....__Io__.lhepcllicleo OIC8l1ilil:a1os _bylle~ _wIId1ocrlbe!he ___ ......... ....,..... hMgI_ We require IhII ,... _ ~ ~ -~ IIoc:h8Ic8IIlepIIr ........... We _ shown __ 'fau ..,. obIIln . tram _ ,........ who is acceplIble 10 .... We _ lie cool 01... __ In 48 01 !he 110_ of Amoll'll _ tI10 _ at IhIo ........... in 4A of !he homiZlllion 01 Amoun! Financed. -.-. - ......... Company ,.. 4 Term: '!t'I"A-- '''''''''' Con1pany 11'1'1 OS -.mr--DoducIIbIe ~ - oIIhor. Term: 0 36 rnanIhs 0I36.DDD mIes. _ C>C<:Ift fnI 0"" ClooIlo"'........ kIcIuding Fire, Tholl and Combined _ c-_ ns_DoducliblICo<r~...,.;.. incIudin; Foe. ThoIIlnclCombino<l Term: 0 tJ 'n -~ o $2S DoducIlbIe 0 S50 DoduclibIe 0 S_OoducIlbIe o Fire, 1hoIl1IId Cambinod _ Covorago 0pIi0nII.' deshd-C Tawinp IIIllLlbor """"" 0 _, F\oiml:Ilnemort 0 CB FIadio EquipmonI ~ CIMl UIe MIl /01 AccldonI_ Heollh -......... We do nDI requke ""'.. _ ad life .......... _ crIlfIIlCcidont MIl hutIh Ins.... __.. obIIln...... We" ""'provicIo --""')'011 sign tar !hem _ "_I<> pay!he.-.or r:aII. ft,.... went this ............. _the insurl"ce _andsign-". .,...__Ihis_.thecastis_in4Coflhe _'" AnDM1I-nood,_ ChocIt the insure... _:0 LIe (BuyorO ~~ O!lislblllly. AccidonI and - (Buyor 0nIl'l fName oIinslO'or-Uo, (Home 0IIi0e Address) .-oI...............&H) (Home 0IIi0e Address) - ThIs paIicy" JI8/' __ duo..lhis contrIlOl UP'" S APf'Rf:NN..: I DESIAE TO OBTAIN THE CREDIT UFE AND/OR ACCIOENT AND HEAL '1M INSURANCE CHECKED ABOVE FOR THE PERSOIII PERSONS PIIOPOSED FOR INSURANCE. , i fl.... i".17I 1:-- n ~~ :'J1 d au,or sv-n ON Co-8uyor SipluII Dale IUlf IIISUIlI.NCE THIS CONTRACT DESCRIBES DOES NOT INClUDE COVERAGE FOR BDPII. r INJURY AND PROPERTY DAMAGE CAUSED TO cmtERS. If_..--_-~__-_-_Ie. ::::=.... at 1h11_1ar _Imporllnl ag-., IncIudinD ,.,... 1~.1o give us. securtIy In_ In insureftce premium YOIIIlgnod Ilia _ an IDa 1ICIl_ 01\ SUnday) ~MojI,JlI 2'l'1l1 Notice to Buyer Do not sign this contract in blank. You are enUtIecI to an exact copy of the contract you sign. Keep It ~ t your I ri :C:2. ....,. Co-8uyerSipns .' ~ ~./ Co-BIlJ'WlIiIcf 011.- 10. person who 10 ~ far ""'"'" Ihe _ -. All _ ~ i;. __...... is ..I; :::::-VIIliI:II.. __'-I<> 1lec:o-buyw '" _ __... _18ft. MaIrtIy_lnthe_ and _I<> lie secuotl)' 0IIw _ligns.... Address -SVnIrl'1ln '~Ilrll I nllllIt:lIb1qr.:. Pit Ily tfr~ .~~ TIlle ~ = You acknowledge you received a true, correct and complete copy of this ct from the seller when you sign this ,contract. Buyer SIgns"t.: (Da)'j (Yr.) Co-Buyer Signs . Soler.............,.. _ GonorIII-. CaIparetian fGMl "" -......... ........ SoIIor asigns" inI8rost in lhis -= to GLt _.. _ol..OII __s.Ios Ar.D _T_ al ~ _ ~.-. 0lIl0rwis0, SoIIor eaigrs Is inIorost In Ihis canIr8CI IaGoMrllMaasAcalplanoo ~(GMAC) _h terms at lleGMAC Ac.I Plan IglMIIlOrIl. Aaignod............ AssIgnod SoIIor Ilr T... ZllIS "" 12"lJ) (Ff;r _ ~ Ihe _ .,,..,.,.,..., C1 eI CI ORIGINAL i'ii. ..::. {:',: .: :~. ::~~: ~~~r~ i!i~!. :-:~..:.'" .~:~. ~~~: i1i\ :,..);.:. f/Ji' f~~; I ~::::: ::':'::;. f~L. tll ~::::;~ ~ ::', ,..::', ~. OJ. tW ~::l.: I r:~ ;,',;:' ".,"" :: :', ...... :. ;.: :: ;'; ~. :. ~t-ii~ t!~~ ...... .:. ...; f',:" ;:..;;' ::,,:.; . :'.' :.::..' ,':.'-:: :-.:',. ~".." ~::;: ]rf~ ~i:~i ~~:.::=: ~~:~~I: t~[ a:::;::; ~j:&r ~;i J:;1~~ .; OTHER IIIPORTANT AGREEMENTS OwntnhIp..cl RIsIi: of Loss. YDIlIlgl'll8ID ~1&"1DU- unc* !his -*-d _ I !hi VlIhicII is ~ d.slrD,.cllll' missing. YtlIJ IIgI'lI8 nallD _ the wehicII Iram !he UnlIIId SWIBS lIl' c.n.:tL YtlIJ IIgI'lI8 !hE 1DU .. nal.... ...... .... lIl' CIIMIwiIII ...... 8I1y lrUreIIin h whicIe lIl'thIs cannel wIIh- out_....... ~ YlIIIlIgI'lI8 nallD expo8e h..ticte ID misuse,,,,,,, CDnIsc:dan.lIl' DIher iIwDIunI8ry...... _I the ...... _ nalthe IIUljecl of jIIlli$llIl' admlllislndilIe ICIian. You ... ..... ... DIIf .-curlly ___ IIienI OIl Ihe VIIIicIe is sI10WII an .. IIIIe. I .... ~ ..., IIIpU' bib. slDnIge bIIs. taxes. liMs. lIl' llIIlIf charges OIl .. vehicle, 1DU .... III repa; .. 8IIIOlIIIl wIlMl .. uk lor .. SecurIIy Interest. YllU give U$ a sacurIIy inleresI in (1) !he veIi- cIe being puIlIhaecI.l2J 8I1y --. ~ and,.pace. mertpall&lrs8IIIIcIin 1he.......l3l any ~ .......... and ch8rges IlIr .".. ClIIIIracIs II!lurnecIlD us. (4) any,.-a d insuIWD paIicies DI'...... CXIIlIrms an h VIIhlcIe. and (5)..., pIDCNds d mnnca policies OIl yDIII' lie DI' huIIllhaI!his c:ontra=Ilinanc-. This __ payment d d -- 1DU _ ill .. ClDIlImct. DI' lIlIII1DU mar DR un:IlIr ..., separale insuIWD ....1IQIIIIII*1l wIIh us. This _ ...,...nI d .. __ 1DU _ In ..., nnsIar, --. exIIInIIian II' BSIgn- .... d .. ccnn.ct. . also ...... yDIII' aIhIIr ~ in this COI'IlnI::L Prep8ymenI Refund. YDIl can pqrpay .. lJI yDIII' debt and gel a rIdund d pall d the Financa Charga. We wII fiCIaa h IIIIund "" IIw AcIuaII1II Udlod bill WI wII nal ~ 1DU I the M11inMce charge Is .... ~D. We .. nal ~ )'lllIhl1llund Ills lea than S1.l1D. RequInId PhysIc:8I Damage Insurance. YDIl agtee III '- phvsic:aI damaga ~ ClW8ring IDee lIl' damage III !he ..hi- cle far lhllanII d.. conInIcI. 14. any lime dwlng the IaIm d this ___ 11DU do nal '- physical damage Ins&nnce IhaI ClW- 8lS bcd1 )'IU'inIMasI and ourilllllWSlin h V8hic1e. __ lie mar buy insuraJa far)'llll.'wedo not buy physicIddamage___ Ihld _ bCIlb inIaruls in .. vahicIe, _ mar. I .. cI>>osa, buy insurlInca lIlIII_ onIr _ int8resL W. are nal DbIigDd ID buy any instnnce. but may do 10 . _ choolle.' we buy insunn:e. .. wII taI)'lllI wMll)'pe I is and Iha charge1DUmust~.. any. 'Tbacharpewll be Iha c:osIDfhlnsw. ance and a tmnca ch8Ige.lII h highesllawlul contracI rile. You a;ree III ~!he charpe in arpIlnsIakMnls. eat. wilh ... par- manes sIIllWIlin !he PII)'I1*1I SchaduIe secIion. lIl' as a separate a=aunlllllup far !his purpClSI. If the V8hIcIIIs lost lIl' damaged. )'lllI agree IhIII ... can usa any inIInnce IlIIIIamanl aIIhIr ID I8plIir h vehicla lIl' III apply ID l"U dlIbl. Late Ch8rge. You wi '- III ~ a Iale charJla an each pay- ment.. recaIva _than ten days IaIe. The charge is ~ In .. FadnI TIUIh In landing disc:Iasures sectiDn Dn !he 1rDrt..... accepIa .... JIIIIII*II DI' IaIe charge, this does JIll( 8ICUA )'DIll' Iale pajIIMIlI DI' _ 1ha11DU can keep maIcing PlIY"** late. We mar_taIcII!he1ltllpC In IhI sacIicIns"Whan You Must Aep8f In FIll BeIln.. ~ Date. and "RIIpOSFlu1.n ell... VahicIe IlIr Falul91D ~ . II-. is any late payIIlIII'Il. OptiClll8lInstnnce ar ServIce Contr8cts. ThIs conIracl mar CllI1IIIln chaIgas IlIr opIionaI ~ lIl' I8fVioa l:IlI'IAcIL . _ ~ .. VlIhicla. )'lllI1IgIW lIlIII .. mar claim banalIIs uncfer... CDIIhClL YllU also a;rwlhal- marlenninale Iham ID ablaIn .....1lIr-* ct.geL. Refunds of Insur8nce ar ServIce Contr8ct ChIrget. If we ,.... a mlIld 01 any c:harpe IlIr NqUireclInIurma. .. mar '1' c:ndI . to yDIII' accourc. l2J usa lID buy ...... w.nnce. or (3) use lID buy insunInca wIich covars onIr our InIar8slIn !he vahIcIa. We wi! crecIl any IlIfund on opIionaIlnsunmce lIl' saNicIo =--.. ablaIn ID)'DIIl' accounl. We wII crd bCIlb the _ .. -"'a and the unumad FlIlanca a.;as an IhoH amaunts ID yDIII' aCCCIUIII. W. wII apply'" c:radIIs ID as manyd)'lU'payrneIIt$ as they'" cover. bllginr'q .... !he last ~ We wllleII1DU whlllwe do. Wten You Mull RepIIy In FIll Before the Scheduled Data.')'lllI'" any ~ _ /lJ'lllI or __"1lar1s a prDC8ICing Ina.nknlplcy. recaI..rsIllp orlnsolV8nc:y againI!1DU or)'OUl'~ or' J'lllIlnakany lJIlhe 811'-*11I this CDn- lIaclldlllUl). WI canlMmand thall'lIIl ~")'lllI- DIlthlsCDn- lr1ICIlII CIIIOL Wa IIIUII Diva )'lllI any IlClIice requir8d "" law. In Ii;- uring wIral1DU -. wawll ghIt 1DU al8lund d pari 01 the FInance Charve..,.. - way as')'lllI had prepaid in ... RepQSSeSSlon of the Vehicle far Failure III Pay. Rapos. se=iCIII means lIlIII.. can take the vehicle !rom )'lllI . 1DU IaIlIO .,.. ..:t ~ pay according 10 !he paymanI sc:hecIl* or If you bruit any cd Ihe a~ In this CllI1Ir8ClldalUll. We muaI ghIt )IOU any notice the IawrequirIIL We can enter)'lU' pIoparIy or the prDP8rtyllllln !he ...... Is IlInd ID !IN IhI V8hicIt . ... do ft peacelully. . a- Is any pIlISlIIlIII praparty in h vahIcIt. IIUCh as cIalhinl~ WI wII _ . lor )'lllI. Ant accessories. equipmenllIl' replaC81nent paris wi slay wIIh lhe V8hic1a. GettIng the VebIeIe Baclc After Repossusllln. If we ~ the 1IahicIe, you have the right to IJ8I B bad< (l1Idooern) "" l8l'inllal1DU DOle CIIIIhe _ tnotjuslpBIdue payments). YlIII wi also have III ~ any .... chaI;es, lhe CDSl D11a1c1ng and ~ h vehiclI. and Dlhw ~ thai we have had. WhlIn _1igUrt lhe enIire ~ l'DIl OWl an !he CDIlInICl. WI wi pille l'DIla reIwIll DI partlJl" Iinance charDe figured the _1l'II:Y as It you had prepaid)'lU'contracL YCIIll'riQhllD redeemwll end ,,'hen we Bel tit vehicle. Sale of the Repossessed Vehicle. We wi! send JICIII a 'NIl!- . Ien nalil:e of salt IIIIa1111 15 days bIIIDre we sell the ..hi.:Ie. If you do nall1ldHm the WIticIe "" the dale Dn Iht nc>tice, we can Bel h VlIhicIL We wi IlR the MI proceads of the sale ID pay 8m or part III )'DIll' debt. We .. iDure .. naI proceads d caIe "" IllbIracling '-limns IrDm IhI seIing pri:a: Ant late chargIs; any charges IlIr laIq and slCIring the vahIcIe, c:Itaning and adwrIising, &; end II1l)' reasonable aIlDrney leas and coun_ If l'DIl _ us less than the nel procaeds of sale. ... wi! pay :/DU the~unlecstt-.isa~lhatwe~.lolOln. one'" Far~,.. may have IDpay alenderwho gave:_ a loan and also IDoIc a securIIy inIIIresIin the vehicle. If 1DU owe more than the MI procaeds of _. you wi! pay us !he dlIIen!lnct beIwHn tit MI proceads 01 sale and wIIIII you ewe when we asIc tar It. /I )'lllI do not pay this amounI when we ask. we may also charge )'lllI inlaresi at .. highesllawIul rate until )'lllI pay 1& .. you _. CoIIecIIon Costs.. we hire an aIICImey ID coiled what you oo.e, you wi pay the aIIorney's raasonabIe lee and any COLlI costs. Delay In enforcing RIghts and Changes of this Contral::t. We can deIar lIl'''''' IrDm anIon::lrll any ri our rights under ft. contracl wiIhDuI bsing them. For ea:ampIe. we can mend !he Iirne IlIr ~ _ paymarU wIIhoullllCl8nling the time tar lllhe.s. Ant cflange In terms d 1his cormct muaI be in wrilir1l end we II1lISl sign" No 0181 chIInges ... binding. . any pari of this conlracl is r~ vaid, .. DIher paris wi remain enIorl:eabIe. WiUTlIIItIes We Disctalm. You undersIand thalli you ,~ others use the vehicle prtnc:lpaUy far busInea or agrtcuIIuraf pIIIpOSM, Ill' If._told you In wrIIIng belore saIa thaI_ alre selllnlllhe vehIc:Ie on an "Is- buts and thai you are respco.. 8IbIe tor the anIIre I1sk as 10 Ihe quaIIIr 01 performance DIn.. fthIcIe, IhlIre Is lID ImpIIect -my of R*ChanIabIIItJ. ~IO implied .....my of mr.. tor a paI1IcuIar pIIIJlDSe and n,o ImpIIad -Illy Ihal exIlInds beJ'Dnd the descrlpIIDn d 111. NhIcIt 0Il1he DIller aide 0I1hI$ COIIInlet, unless we exIencl a wrtaen WIImIIIIt' or aeMce CDnInIct wIIhln 80 dars !rom the date oflhls ~ An ~ w.annI)' ell marchanlabRy genaraIIy __ IhaIlhe vehicle is IIIlIr the Dldinary purpose lor wIich people generally IlR Ad! veICIes. A W8IT8IlIr DlIIIness far a paIicuIar pIJIJlC$' Is a warrantr thai mar arise when _ '- _ II) krcw ht patIicuIar pIlIJIOH IlIr whic:fl )'lllI require Iha vehicle and yolJ rely on DUI' ski! or judgmenllo IurlUh .'suIIabIe Yllhlcle. ThIs pnlOIlsion does nal alIec:lany wananlies covering !he vehicln IhaIthe vehicle manulacturar mar pIDlIide 10 you. Used Car Buyers GuIde. The Informallon you see on 11M, window IonIl tor ibis vehicle Is pari of this CDnlnlcl. ~. IIDn onlhe window fDnn overrides any contrary provisions Irl Iha contract 01 AIL NoIIc:e of SubstItution of Contract. If... Clblained this vehi- cle IrDm GenaraI MDlDrs CDrporaIian (GMI on InsIBIment crecil terms. we wlllUbsIIIuIe this CDIlIIEIfar. and this ClllllIal:I wi ~ DIIf lIbigaIiDn 10 ~ GM lor the vehicle 1DU are purchas- ing. ThIs sub$IIIuIian wi not change the arrQft )'01/ haYt aglHd 1I)~~the~~hh~~lIl'anyDl~ rights and duIieI tOr this puIChasa. The terms of this contrad sel 1or1h )'DIll' entire anel only obligation 10 lIS. GM, or any DIher holcler of this contract. NonCE: ANY HOLDER OF THIS CONSUMER CREDIT CONlRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULO ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PUR- SUANT HERETO OR MTH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. " ....; ::~: ::..: ;,' ;:' :~ :.: ;:';:". ;{~r::~: ",,", . :.::':' .:U.~' ,:Ii~: :r..'::'., ;:.~~{~t. II.;: :~~~t: :~:ii I ~".::'" :;:':':::: ;:~;~~:~. f:"f:::~;.:" :'::::.::~-:. .~:.:={: .;...;.... :r::::::, ~~:.::: : ~~Fir: ....:..... l:':" ::;}': ..... . =~:.;: : g:1;~i.: ...... ....~ . ~~::1 .;.::'\ "-::. -:~. : . .:. . .,:.: ",... :;: .; ;;:::'. ...... :...:. :;....:; ::g :.;~ :''':.': .I',:" ..:. .'. ::'.':.: " .... ;:..'::: ". '.. ...... Ir:~;i:. ff ::';.; ~ :~;;:~ GMAC - P.O. Box 971 Horsham PA 19044 215-957-3400 June 19, 2003 NOTICE OF OUR PLAN TO SELL F)ROPERTY Gloria J Schell 1001 Nanroc Dr Apt 22 Mechanicsburg, PA 17055 Subject: Account Number 020-4685-12091 We have your vehicle (a 2001 GMC Jimmy with VIN 1GKCT18W71K174578), because you broke promises in our agreement. . We will sell your vehicle at private sale sometime after July 7',2003. A sale could include a lease. The money that we get from the sale (after paying our costs) 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. You can also get it back for less (see below). To learn the exact amount you must pay, call us at the telephone number at the top of this letter. 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 at the top of this letter or write us at the address at the top of this letter and request a written explanation. If you need more information about the sale, call us at the telephone number at the top of this letter, or write us at the address at the top of this letter. We are sending this notice to the following other people who have an interest in your vehicle or who owe money under your agreement: Charles H Baenig EXHIBIT ~ JMGIctIg POSTREPD9Ig594a-PA . Gloria J Schell 020-4685-12091 -2- June 19, 2003 Additional information: As of the date of this letter, you can get your vehicle back by paying the total amount indicated below (redeem). Gross unpaid balance Finance charge rebate Unearned insurance premium'*' Other credits Late charges Expenses (Estimated Repo Charges $200.00 ) TOTAL $ 21,802.35 632.06 0.00 0.00 + 18.46 + 200.00 $ 21,388.75 You can also get your vehicle back any time before we sell it by paying all past due payments, late charges, and expenses (reinstate). You must also provide proof of the physical damage insurance your contract requires. Then you must start making your payments again. As of the date of this letter, you must pay: Past due payments ( 3 of $ 461.65 and one of $ ) Late charges Expenses ( Estimated Repo Charges $200.00 ) TOTAL $ 1,384.95 + 18.46 + 200.00 $ 1,603.41 The longer you wait to redeem or reinstate, the more you may have to pay to get your vehicle back. Only reasonable expenses may be charged. They must be the direct result of taking, storing, and selling the vehicle. We may also charge you the costs of getting it ready for sale and reasonable attorney fees, as the law permits. You must pay the amount required in certified funds. To redeem or reinstate, send your payment to GMAC at the address at the top of this letter by mail, overnight delivery seNice, Western Union, or MoneyGrarn. Send any notices regarding this matter to the same address. Your vehicle is at Manheim Auto Auction, 1190 Lancaster Rd., Manheim, PA, 17545. It will be there at least until July 7, 2003. After that, we may move it in preparation for sale. We must send you any extra money owed to you from the salE~ of your vehicle within a reasonable time. If you do not get the money, you may have the right to sue for it plus any penalties fIXed by law. Any personal property left in your vehicle not already returned to you will be held for at least 30 days after the date of this letter. After that, we may dispose of it as the law allows. Contact us to find out how to get back personal property left in your vehicl'9. JMG\c:dg POSTREPD9\g594a-PA Gloria J Schell 020-4685-12091 -3- June 19, 2003 If you do not do what is required to get your vehicle back, we will cancel any physical damage insurance or service contract that is part of your contract. Make sure any other coverage you no longer want is canceled. Call the insurance company or tine dealer to do this. You have a right to credit for any refunds. Contact us at the telephone number at the top of this letter for more information about getting your vehicle back. Signed, J. M. Gardocki Customer Relations Analyst * The insurance premium rebate is for credit insurance if it was part of your Contract. It is also for any limited physical damage insurance. WE ARE ATTEMPTING TO COLLECT THE AMOUNT OUR RECORDS SAY YOU OWE US NOW. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. JMG\cclg POSTRE?09\g594a-PA CERTIFICATE OF SERVICE A true and correct copy of Plaintiffs First Request :[.)r Production of Documents and ~ Request for Admissions has been served by U.S. Mail, on the .f.l day of 51fe"."'I'/f) C("t:. , 2004, upon the following: Gloria J. Schell 1001 Nanroc Dr., #22 Mechanicsburg, P A 17005 By: OM1PB~ IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CNIL ACTION GLORIA J. SCHELL AND CHARLES H. BAENIG, GENERAL MOTORS ACCEPTANCE CORP., ) ) ) ) ) ) ) ) ) ) Plaintiff, v. NO.: 2004 - 1509 - CNIL Defendant. PLAINTIFF'S FIRST REQUEST FOR ADMISSIONS AND REQUEST FOR PRODUCTION OF DOCUMENTS Plaintiff demands that the defendants answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days from the date of service hereof. Plaintiff also demands that defendants answer and respond to the following Request for Admissions pursuant to Pa. Rules of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: 1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made. 2. If you do not admit each of such statements, you must specifically deny each one not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for the Plaintiff within thirty (30) days after delivery hereof. 4. If you fail or refuse to admit the truth of any such statement of fact and the Plaintiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses incurred in making such proof, including attorneys' fees, witness I~xpenses, etc. 5. If, in response to any of the following statements of fact, it is your position that the statement is true in part or as to some items, but not true in full or as to all items, then answer separately as to each part or item. 6. If you have been sued in more than one capacily or if your answers would be different if answered in any different capacity, such as partner, agent, corporate officer or director or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. EXHIBI1' ----12-. 7. ill these Requests for Admissions: A. The word "person(s)" means all entities, and, without limiting the generality of the foregoing, includes natural persons, joint owners, associations, companies, partnerships, joint ventures, trusts, and estates; B. The word "document(s)" means all written, printed, recorded, graphic, or photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any manner to the subject matter indicated; C. The words "identity", "identify", "identification", when used with respect to a person( s) means to state the full name and present or last mown address and business address of such person(s) and, if an actual person, his present or last mown job title, and the name and address of his present or last mown employers; D. The words "identity", "identify" "identification", when used with respect to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the name( s) of the addressee or addressees if any and the name(s) and addressees) of each person who have possession, custody, and control of said document( s ). If any such document was, but is no longer in your possession, custody, or control, or in existence, state the date and manner of its disposition; and E. The word "identify", when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means to (1) describe the substance ofthe event or events constituting such an act, and to state the date when such act occurred; (2) identify each and every person(s) participating in such an act; (3) identify all other person(s) (if any) present when such act occurred; (4) state whether any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identify the person(s) presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. 9. These requests are of a continuous nature. These Requests for Production of Documents shall be deemed continuing so as to require supplemental answers and documents if any information of documents are acquired subsequent to the filing of responses hereto, which information or documents would have been included in the answers and documents produced had it been mown or availabk at the time the answers and the documents provided pursuant hereto were produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such information becomes mown or available and in all events, prior to trial of this action. If objection is made to any requests for production of documents, it is demanded that the requests for which there is no objection be answered and furnishe:d within the aforesaid period. All documents identified in response hereto shall be organized and labeled to correspond with the request to which it pertains. For all documents produced, list the individual and his or her job title and department from whose files it was produced ~illd the current custodian of said document. If a document called for is believed to exist or is mown to exist, but is in the possession, custody or control of another person or party, the existence of the document, the identity of the possessor, custodian and one in control of such documents shall be provided along with any applicable common description or citation utilized by the publisher, possessor, custodian or disseminator of such document. If any document called for by this request is withheld on the basis of any claim of privilege or any similar claim, identify that document as follows: author; addressee; indicated or blind copies, date, subject matter; number of pages; attachments or appendices; all persons to whom distributed, shown or explained; present custodian; and nature of the privilege or similar claim asserted. REQUEST FOR PRODUCTION OF DOCUMENTS I: List all payments on the subject Retail Installment Sale Contract referenced in the Complaint and produce any and all documents evidencing proof of those payments, including, but not limited to, cancelled checks, receipts, coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries, diaries, charts, lists, phone records, data compilations etc. REQUEST FOR PRODUCTION OF DOCUMENTS 2: Produce any and all documents you intend to introduce and/or provide testimony on as evidence at the time of trial. REQUEST FOR PRODUCTION OF DOCUMENTS 3: Produce all documentary evidence or information substantiating your view as to what you think the value of the vehicle was at the time of repossession. REQUEST FOR PRODUCTION OF DOCUMENTS 4: Produce all documentary evidence or information substantiating your claim in paragraph 15 of your Answer claiming that at the time Plaintiff took possess:ion, Co-defendant had driven the vehicle approximately twelve-thousand miles. REOUEST FOR ADMISSION NO. l: Defendant is in default of the Retail Installment sale contract for failing to make monthly payments. Admitted ""'J Denied If the answer to Request for Admissions No.1 is "denied", then supply specific written documentation supporting the denial. REOUEST FOR ADMISSION NO.2: Defendant has not submitted any written dispute as to any accounting inaccuracy concerning payment~n the contract in question. Admitted "'-v. Denied If the answer to the Request for Admissions No.2 is "denied", then supply copies of specific written disputes as to any billing inaccuracies. REQUEST FOR ADMISSION NO. 3: Defendant signed the attached Retail Installment Sale Contract. L ..--;-- "- Admitted ~ L ~ Q ~QA.Z 3q fY)y'Hs Denied ~ =; --=-- ~_.._----===-- 3P. +0 C:OvY\ l4~~~ ~ lIthe answer to the Request ID~ 0.3 is "d:",iQen's~ spe~~ I ~(}at1. documentation supporting thtri~~ ~ D ~~. y\.V'S'o~ U.J~~ ~ Ourl-~ \;. ("~x.\. '--'\ -\'\(L-e-~ O~ ~~~ ~:V'.(\ G:,0~~ . REOUEST FOR ADMISSION NO.4: Defendant received the attached "Notice of Plan to Sell Property" letter. Admitted~J Denied If the answer to Request for Admissions No.4 is "denied", then supply specific written documentation supporting the denial. , /,)- :.J L William T. Molcz n, E uire Pa. I.D. #47437 Weltman, Weinberg & Reis Co., L.P.A. 2718 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR:03329235 , HIS r:nwTRrlCT I Nr.LUDE. ATlflCIII'O RJ or" LImneD 'l;~ !>Mrun flli i.,. [~ ] Rl.ORIA J !;CfUl CHARtJS II IlAEN'rr. INI-?? NANRnr: DR MEOfANICS91JRI; PA 170:;~ FRtn.KNf.R HARRI5fll./R6. 1NI:. ?l'lf-0 !'AXTON 5TRrET f~RRJSnURG PA IllV-" you.....,., (..... eo.eu,.. ft -.I. may buy fl1e _llescII>ed _"" cash or on CI8dll. Tho cash price is _ _ in fl1e _ at Amount FNnoocr .. "Cull Price:' Tho ..... price is _ _ in !he _ T.......ln-lMdng DiIcIosurec IS .,.. Sole Price:' By signing !his coronet. you ~ IDbuylhe..- on_ underlhe...........on !hetrDnlardbad< DI!his co_. -v",,' and "yDul" _ID you. fl1e eu,.. _rdonyCo-Buyar. "Wo'."Us' and "Our" reforlD Itlo Seller I1IUIl8dBbo.. _ndlO_~ne ",",,-"SeIer "'l5igns 1m. conlr8cl. __.. amgn!his CllI1II1IOlIDGanlnI_ AccopIIIra Corpondion (GMAC;). DncrfplIan DlV_ Yllu _lDbuy and... _.. oaIIltlo ~_: _orUsad _andModBl V__No. U"""_""':l>uI~ lO personoI D ogricuIW.. D business D NLW IGKCTIBW71KI74578 .uRIAL PERCENTAGE RATE Tho _rIA """ ..... IS _ ,...., raIL 2.90 'Wo TJI\ITH.IN.LENDNG DISCl..OSURES ---- Tho........ al..... ~..you...... _b8hd. ~ 2BGeZ. 36 ToIaI__ ~ Tho _ _ rIA _purel.... on Cl8dlt.1ncIuding """ dol.... __dS"lj);;.~lis ~ . . - FIWICE CHARGE Tho dolor........ Ihe credit... CD8I you. T_ DI...,.... Tho __ you'" have p8ill _you __ 81 PIll" mants ISIIChaduI8d. 38573.78 1'171.34 s ~ Or IS FoIows: ~ _ Poyma'" Al8 Due McnhIy IIIIginIq '. . I F I NRL l'nYHF.NT OF I :<<'l:ll. 00 01 F. ON 12 SEP C?l'I04 ... CII8IgL . _ pavtII8Illl& IlIII poid In ... _ 10"'" _. is clue. ,.., will pay _ .... charge. I tho _ purcbuBd is _ heavy _1_ ......,. a.ge wi! be 4% rIA.......... d 1hepayr.-1h8l is _ M" ..- ~ lo ~ __...farm .......-. Ihe charge wi! be 5% allhe........ d... paymanI \IIBl is 1aI8. ~ Ihe ch8rge will be 2% "'" _ on" __ d!he paymonl \IIBl is 1aI8. computed on !he _ rIA.... ..........._lorony1rBclilln8l_ poriod in _ al 10 days. PI.,..,...,&. . you pay" .. _ _ Bartr,.., ..., be _.. _18IUnd '" p8Il of.. r_ c:h8rgo. SaauIIIf --. Yllu _ ~ a......, __ in !he _ booing purc:hIIsad. ....- ~ Sell Dw _ _ D1!his CllI1II1IOllor _ inklrmaIIon Including Information 8baul _ymor(. deI_uIl. any required rep_)" _iIl...........1he BCh8duIad -.IJI'IPlIYR1lIIl.......... and........__ _ '" P8yrnBnI& ITElllZAlICIN OF AIIClUNT FINANCED , Cash Price ~.,,--....-. ..........) 2TOI8I 0.....01>6,....... NelT........$ r,c,,, qo; + 0Ih8r 1DacrIbe) V...T_iM l:Hf"lI111l1 FT Yoar I.I8ka $ 2a:.i0l'~ +~~$ $ $ f"~'I=-;.. Ir" (2) UocI8l S 27B~4. 0~ (3) :a Unpoid _ 01 Cash Pric8(1 _ 2) 4 0Ihar~ InoIudlng _ PaId to 0Ih0n0 on VoIr _ CSeII8rmar be Ic8epIng port "'_--.): oA Cool '" A8QInd PhyIicBI DaIIl8g8 .......... P8id.. Ie __ ~ - in Ihe $ .../R _s-.._-c:-w.g~"Ih8_ ... Cool.. 0pI0a0I.......... FI8pBlr......... P8id.. .. __ Compony Named in Ihe -~--CcMring~"""""~ -C CooIlIlOplionol CrBCIl LIa __ _..... ~ Inoonnoetar.. T_ oflhis Canlr8cl P8id ............ ~...CarnponiBo _iIllhe........ S8di0n,_. LIB $ Dis8bIIIy, AcoidBnl and _ $ D OtIc'-' "- _..~ Apancias E T_ NlIIInclud8cf in Cash PIicB F ~lJoBM8andlar~ "- (IIBmiztI) tl ~CaraaltolBe"" " ~CSeIBr_~_wII"""~""'de8crfbe_1 F . PONTl~ UlU I-~t:l:i .. tnr TallllOIhar~"'" _ PaldtoOlharl on Y__ a "- ---.UnpoId.....13 + 41 AddIIion8I ~ {TT...IIIIIance-ToI8' "'...,.... (5.6) R8qWocIIIr SI-. t.r : =:".12.- _ 01$ ~b I. D5eacfl. monlhlybeglnring ~. 1" n (Daly) ,.,..,., cYr.) or If ICheduIed PIl)'m8rU.... irrega8r Dr ~ .._in"~TruI>ln-Lending~. _ ~''''_ ~ ch8dracl_."p0ici8s or........ _ IIrIe CompanIec _wi cIucrI>t Iho _.....__ ,....... ,.".. ~ _ WeIWqUilB Ih8l ,.., '- physic8I_ge MOJlCD* ~ RapoIr ............ We ..... ~... --. YtIlf III&y allIaio . _ ~ ,.., .... _II BCCBPIBbIe ID .... w. _ Dw COllI of Ihillnounlnc:e in 46 of.. ~ d Amount a.- ... _ III !hie Insurance In 41. 01 the Ilatnlzation '" AmaunI FinanC*l. Flnanc8d. .... .... -Compony ..., 0$ -,;m-- DeducIIlle CaIioion....._ o FIll c......a1..uM Includit1l Fn. Tholl and CanIIin8cI AdditiorIaI eo-.ge O$_DeducIIlle ~ inchJdinQ Fira. Thall and Combined -c-.ge 0Fn. Tholl and Combin8cI_ c-r.ge 0pIiDn0I.' -..-OTllIIin;..... L*lr...... 0 R8nloJ -.. 0 C8 Radio Equipme.. "'"OplIoaoI c..II 1.*_"" _ _ _ ~ We do naI__,.., ID '- _ &Ie............. cncIitaccidonl and _ hsur- ...............-. WewlllllllprllllidB_ _,.., sign tar.... ..... _ ..payDw _CDSl.''''' _,,_, =- Ole......once -.el and sign"""'. .,..,'-_!his ~ IheCOlll ~ __inC"'DwIlamlzalbn of AIIIoum FinBno8d._. ChBct.. ........ dellr8d:0 LIa lBulIBrO eo.eu,.r~ o DislIbIIIIr. _..... HaoIIh cau,.or 0nIJl $ N/A $ S $ $ $ 18.l'll'l e."?,ftn 18.7':0 ~2.5l'I $ $ 65.1'll'I N'fA l:~l..;: (41 ~tll>l'l<:,~ I '111.. .l~ (6) J0:-'lj,~ S $ $ S TBnlC1tNl-- ............~ t1.'R Term: 0 36 _ or 36.000 -. __ OCCUII tina Term: 0 II.'R 0$:25 Deduc:lIbI8 Cl $SO _ 0 $_DeduclIbIe lNImtal-~ (Harne 0IIice Adcnsa) jN-.of............a.Hj ThIs poficrwll pay _... on" c:onIra:I up to $ (Homo 0lIice AddtessJ - ---. .- -- -----.- ~-- .-...-. ---...-... ---_ .__ _ ~ lIIet:5it'11..".,., t:. 11 1 r: i; ~i: f.:' t~ ~1 {:: i:. J:' :r::. ~;: l. .1:' Jt . :X.' t ;.... :..:. ~l:. :i:. ( =::. f~ . if :1~ " ji;: fit. l ..: ..~. ::H H~ :;' '.;i t:~ ~;~ ',:;: .-,: :;.. 'li1 !~, I I". tJ.:. ..::::....... K$!?';:;ii::..:><'; f .:;- -:>>{.:.,:::' 'EXHI:BIT I':' ~" . ... . ------ .---------- d' ~ CherlIe- r a -'" is no! paid In lull _ 10 days atler n is II< .II pay alate charga ft!he _ purchuecl is a heavy comma_'._ ...... Iho ~_ lllIII be .% aI Iho amount of tho payment Jhat is Ia _ pun:I1ased is oII-highway busi.... or t."" equipment. Ihe charge wllbe ~oItho amoun! 01 tho pa,......Iha' is late. 01_, In. cha.. AI be 2% par month 01\ tho amounIallhe payman' _ is Iale, comput,'d on tho _ of. 1uII_ mDIIIlo lor any _ _ perio<lln e.u:ess 0110 dayo. ~ r l'OU pay.oII .. your _ OIrty you may be anl_IO a relund of pan of tn. Ilnance c:herge. si!c:urtlr _ V"" are giving a oecuriIy ......., Ollhe _ being purchased. . ~ -.nation: See Ihe _ _ of IIlis COnInICIlor more informalion includong onlormalion abouI nonpayment del.LA. .ny reQuired repal" men! in tuB ~ Ihe schodulad dale. prepaymenl r_.nd IIlCUrlIy inlerest lTEMlZAllOH OF .wouNT FINANCED t Cull Prioe pncluding _ accessories. _. and laJ<es) ZTolaI~.NeITrade-inS ',','l ,/', . Olher CDe-lbeJ VOlI'T_... ('Hf'VRflI FT V_ Milke s ':"H;~ ,(111.'1, ~~~.. (1) . Cash Oownpayment S S I,' .:.. '!" (2) - :a LJnpaif IlaIance 01 Cull Price (I ....... 21 . 0IIlIr Ch8rgos Including __ PaId 10 0Ihers on Your _ (Seller may be kaoping pari of lhese arnounh.j: ... =:...""C..~~ ~ ,:",,::;""'lrwIr8nce CompenyNamedOlIl1e hi i.~ -. CoIl of ClpIionII MocIIanicaI Rapar ........... ..... 10 Ihe _ Company Nemacl in tho N f" ___ ~ Balow-c-ing CeIlain -..aJ Repairs S ,., 2,il\l,il. ;1~J f3) --c CoIIl of~ Cradlt UIa __ Accidanl and _ Insurance 10' tile T..... 01 this Contract Paid ..... _Companyor ~_inlhe_ SacliorI._. LIaS ~._IInd_$ D 0lIidaI_ Paid.. ~ Agancies E T_ NalInaIudad In Cash Pri:e F ~ LicaMe and"" Flegisntion Feeo (Ile-) G ~CarlIlicIIItoflllle_ H Olher~_~_wII_peymaIIIend__1 F,LllL Tl~ "UlU NW~HY t-I:.t~ .. lor TOIaI Olher ChaIga and __ Paid.. 0Ih0rs 01\ Your IlahaIf S -~-LJnpaif-13+.) { . ""- Chatpe AdcIIional ~ T i_ IlaIance-ToIaI of PlIymen1S (S + 6) ~br_Law .PIIJIft*1lSchedule:~_nlsofS 4&1. &_lIlllI\lHybeglnning ,., , I t! ;",>01171' DI r scheduled peymenIS we imtgutar Dr uneYel\, 1Mo~ (011)') (Yr.) IS inctil3Ied In the _ Trulh-In-L.ancling Diodosures.-' $ $ S $ S 11'1./110 ftJ.i!. fItI. 'fl. f!'. r!~. ~t0 $ S r,!',. /110 N/R ]:./1. ,,: (4) r.1.b",:. .q 1 '1/ J. .;;;;ii .Jt1:1/.~. ;r;rm $ S S $ -.. anr.......... is chackad below. lI10 poIil:ies or __ isouecl by the CompanIes '*'*' ............lI1o _ and-. .................. o.n.oo _ We '-" IIal you haft ~__ -~ -1lefleIr _We law olio... ~ YllIlllllf--'._anroneYOU__Is~IOIlS. We_ ... _ cI tIis _ in 411 d tile IIemIzaIlon '" AmoIn _ ... .... oIlhlc lnaurance In 4A of the hondmtion of Amount F....nced. Fin8ncad. _. - -- CcImpenr /lII' T.nn: 1ffj!l-_ -~ny 11'1'1 Cl S ~DocU:IIlIe c-. and either: 0.... c.........- ~ Fire, TheIl and Combined Additional Covenoge Term: 036 months or 36.000 _. _occurs rlfSl f1 S_ DeduclIlIe CGmprehansive inckJding Fire. TheIl end ComlJjned Term: 0 I'''' -~ o S2S 0etlucUbIa 0 $SO DedudibIe D $_ Deducli!lle o FR. 1boIt and Combirlod _na1 Coverage ~. daIhcI-O Towing and Labor COS1S 0 RanIa' Reimbursema<l 0 C8 Recio Equipmenl -o)lllDllal Crea UIe __ AccIdenland Health Inau...... We do no! require you.. _ aadlt lie .......... end cradIl accidanl end ....11II...... .....10 abIaln_ Wawlllllll~!ham _ you siQnlor!ham end _lOpayll1o _coot. ryou_lIlislnsurance. _lhe__ _andsiQn"""'. ryou__IIlis_.Ihe_Is_in4Ccllhe IIamblional_-'''''''. Chect!he _ -.cI:O lJe (811)'8I'0 Co-Burw~ o DisallIIIy. Accident and - /8UlN Oriy) fNa/IlO aI 1rIsur8f-Ue, (Home OIfoce_. fJQmeot _ & Hl (Home Olfice Address) Tbi&)lOlicywl pey"""" '*'" on .. contracI up .. $ APPROVAL: I DESIRE TO ClBT~ lHE CFIEDlT UFE ANDIOR ACCIDENT AND HEALTH INSURANCE CHECKED ABOVE FOR THE PEI'lSCHf PERSONS PROf'OSEI) FOR INSURANCE. 1 i '1 ft.! ?lIIIDI I~ nlu ~.rIt.1 Buyer S/gn8IIn 0aIa eo-eu,.r Signekn DIIIa All'( INSlIIIAHCE THIS CONTRACT DESCRIBES DOES NOT INCLUDE COVERAGE FOR BODlL Y INJURY AND PROPERTY DAMAGE CAUSED '10 cmtEIlS. If_..--_-~__.... __..._... See DIe..... _..._ _lor _Imp_ ap_In~"....~ 10 "hie lIS. securlIy _In InIurance pnt""_ ..."...- . YOII aIgnecI_ _ 011 (Do no! _ on SlIftday) \~.rUtI ~~V.l Notice to Buyer Do not sign this contract in blank. You are entIUed to an exact copy of the contract you sign. Keep It ~ t your al ri /,,/') ..t./.. &u,erSigns . Co-BoI)IerSigns 'LU'"~ ~./' Co-Bu,.rs iiId Olher Is."..... _ is ~ lorpap,g Ihe entire dellI. M oIher _Ii. Whose ..me is lO,tho :::::-vahIcIoIII_IlIll_.. lhe~or___thal"" ha.... OICIdy_ln......hi::leand_..Ihe......, 0Iher_....... Address SeIar Signs By You acknowIecIge you received a true, correct and complete copy of this when you sign this,contract. Buyer Signs" (DII)') (Yr.j TIlIe~ tract from the seller Co-Buyer Signs " . r SeIer alIIaInad.. wehIcIe...... o.naraJ Molors CoEpocaIion (GMl on ___..... -. SeIer IIIigns lis _In IIlis COlIIlICIIo GM under"~ _e1 ...GIoI......... U. Finance _T_ Df S<a:IIIuIion and AuignInenl.- 0Iherwise, SeIer essigno" _In II1is conIl1ICI 1DGet.-_~CoEpclIldIon{GMACJ_1he _<<IheGIIAC RelaIIPlaft IIIf88III8'IL Aalgnad-- Acolgned _or_limllad_ K .17 fllll? _ By idle SeIar Z108 /'II. 12.. lJ) CFGr _ In .. _ ........,......, C1 01 CI -: See ORIGINAL ~. ::~: :'\', ~.:.;:~ .~::~: ::~i:" .= :~: :~;':(' :~:';~.." ....... ";;';'. liii:: ......... ~:~ti: .:(.:! .:~..:: ....~. . 1m:; ....... 1:f!:. ~Ft} ",:1' ;:"':: ::~;,:: ....... ..... ~~::~ .~:;::. ;"':. ~~;i~ .~ ,.';... ....... ..:,..: -..... . .; '. '; . :. ;t=f;:: 0',:' i?;~::; : ": .:-.;; I' ;.. ...... ::",:': 0" .; . :..- :::>::: :..:'.. '::'..;~ !l1'1:~! ~( ',::: i 11:ir i~ I:, <i.:f',{': . I' OTHER JUPORTAHT AGREEMENTS OWnershIp 8Ild RIsk of Loss. You agree IE> pay us at you_ uncIw this _ -. . !he vehicle is cWnaged, clesIrol'lId or misSIng. YlIU 8QlM nDl III _ !he vehicle from the UnIIecI ~ or c.n.dL YDU ~ lhlIIyou wII 11lll.... ,... IIae or DlherwiIe ...... 8hY Int8reII in the vehic:Ie or lhIs CllIIIracl wlIIt- DIll 0&I'......1*ftlissIDn. You lIIl- hDlto expose .. WIhicIt to ....... ...... c:onIiIcdon. Dr DIher invlllunIary nnster. _. the vehicle _ not the IUbjecI of julIic8I 01 Dninistrdue don. You ... "* ... _ IIlllUIlr InIInsI (IilIn1 IlII the V8hicIe is sn-n on !he .... . ... pay any ..,.... 16. IlDIBge bIIs. ..... firles. Dl' other cMrpes DIl !he vehicle. )'lIU .pratt IE> ,.".; the mnount_ .. uk lor II. SecurIly InteI1tsI. You (Jit1e us. HCUtIIy InIeresI in (I) the..n- cle ~ purchllud. (2) any.::cessaries. equipmenllllld.... menl~~lnthewwhicle. (3lanyinllnnce poenUns.nd c::hargeIlot I8Mce CllIII/aCIS /IllUmed IE> us. (41 any pIDClIICIr cJ insuIwa paIciIIs 0I1llMce conncls on the YlIhicIe, n (5) any proceeds III iIlaur8Ia policies IlII your In. 01 h8IlIIh lhlIIlhIs c:onlIKI fiMncK. ThiI __ payment ot .. mnounts )'lIU _ IIIlh1s -.cl. or "you 11II)' _ und8r any ....... insuIwa tnnca IIgI.-nl WIIIlIIL This _ PII1Il*ll of at MIlIUIlIS you _ In any nnsfer, ..--. exlItnIIlDn or IIIIl;n- 1M" cllhIs ~ I 8Iso __ )'011' oIher ...... In IIis CllIIIr-=t. PreplIyment Refund. YDU can pI8JlIIl' .. of your debtlllld 11M . rRInd cI .. Ill.. Fnnce ChmgL We wi! figlQ the ..tund br .. A=-w u.thocI buI_ wII I1lll pay you . the ll8Ilin8nce ~ II _1h8n 51 D. We "'1lDl pay you the rwIund. I .Iecs 1han 51.00. RequncI PhysIcal Damage Ins&nnce. YDU lIIl'" to '- physaI ~ nur-lllMring loss or ~ 10 !he vehi- cle forlhe 11Im 01.. CDrtrlIlll. III any lime during the 11Im d this CllrIlr-.:I,' you cICIl1lll '- pI.,.c.I... ins&nncIlhlII tDV- _ boIh )'DIII'ir8nIsllllld _~ In !he vehicle. then -may buy Ins&ance 1ot)'llU.' we cICIl1lll buyphys1c:8/ d8n1age Irsnnce lhlII _ boIh w... In Ihe vehicle. ... may. I we =-. buy Ins&ance Ihat _lII1IY DII' inl8Iut. We .. I1llllllllicl.a.d III buy any insulance, but may do 10 I we choose. . _ buy Insurance. _ wlllIIIyou whlIlll'PlI is n Ihe ctIaIve}'llU IIIIIlpay. I any. The ch8Igewll be tile coslO/the.,...- _lIIllIalirWQ cIwrge, III the highesllawIul cxmIIacI '*' You agreelD pay 11II charge In ~ InslaImenIs, eIIher wIlh the pay- _shawn In" ~ SchedulII seclion. 01 ... sepIllIIe llCCOlIIII .. ~ tar.. purpose. If 1M WhIcIe Is bsl 01 cB'nlIIled. you lIIlree lhlII we ClIft use any InIlance MIIIemenIllilher to I8plIi' !he vehicle or III IIppIy III your deIll Late Charge. YDU wi! haw to pay a late charge on uch pay- mentwe .....". mcnlhen Ien da)'S IIIIL The charge is II-.. in the FedInrI TnAh III /.ending cfiscIDscns sec:Iion IlIIthe IrDnl. . we IICCept a .... paymMII Dr IaIe chaJge, .. does nal excuse )'DUI' IIda JIlIrII*lIor _ Ihal }'llU can keep making pa,menls 1aIe. We 11II)'...,,.11II,,11I IItNCfiDns "When You'" Repay in Fur a.Iln Ihe Scheduled Date. and "FI~ cJ the Vehicle tar FaIurw lD PII(' I... is any late ~nt. 0ptI0naI1nsur8nc:e or ServIce Conlnlcts. This conIr8cl 11II)' CCIIIlMl c:t.ges lot apliDnal inIlnnce 01 service conlmCls. . ... IIIpOIRa .. whicIa. you lIgIM thai ... may c:llIIm benIIIIs under.....conAdL YDU -lIIl'M thai we 1III)'1eminme....... III lIblaIn nUIds Iot--' c:t.;eL. Refunds of InMnnce or ServIce ContrGt Ch8rget. I .. ~ a......, 01 any charge lot I8qUiI8cI ins&nncI. ..may "I crd /lilt rour -.c. (211/1II1/ Ii) buy ... ins&nnce, 01 (3) _ I Ii) buy inslnra which COWlS DIlly 011' inIlnsl in \he vehk:Ie. We .. cndt any reIuncI on optionlII insurlInce 01 ..w.llDIIIraClI_lIbClIin III your account. We ... credl bDIII!he IIlllDUIlls ... -"'- lInd !he ..-ned Finam:e CIIaI;N on "- mnounIs III rour 8CCDlIIII. WI will apply II-. c:nodIls Ii) lIS manyd)'Oll'paymenIs lIS lheywl_, begirrilg wllllllllut payII*t. We w111e1 you whlIlwe do. When YlIU IIIusI Rep8y In Full Before the Scheduled Date. 1}'llU PIlI' 8hY ~"";')'lIU 01_" SIar1s a ~ 1n1lllnknlplcr.leC8lI.ershlpllt'inIOIl'ency apainst)'llU or your pIQp8Ilr, D1"}'llU bINk any III !he IIgf88IIlMlIs in this con- tracll~"ClII'ld8rnandlhllt)'llUpay 8lI}'llU_ anlhlscon- tracllII-. We IIIUII "" )'llU any IIlIlicle I8qInd by,.... In Ig- uring what)'llU -. ..... (Jit1e you a reIuncI III parl III !he Firwlce Chargt fi;urad Ihe same way .. . you had pl1lp&id in .... Repossession of the Vehicle for Failure to Pay. Repos- RSSiDn meanslhllt .. can IlIke the vehk:Ie IrDm )'llU . you !dID ..~. ~: *' pay lICCDIding 10 the payment schedule or ft )'llU br8ak any of lhe lIgAI8rIlllIlIs in this conIract (deIauII). We must give you any netice the law requires. We can enter your property Dr the pIlIp8rty where the vehicle is slIlIed Ii) lake !he vehicle I we do ft peacelul,. ft there Is any plQCIIl8I prlIp8fty In the VlIhlcle. such .. cIaIhlng. we wi! sIDle ft lor you. Any -..riel. equipment DI' tepIIIcel1'ent paIlS wi SIlly willi the wlicte. GettIng tb8 Vehicle Beck After Repossession. H we reposNSS !he 1IehIcle. you have the righllD gel ft bIIcI< Irede1mll by~ 8lI)'llU 11M on !he-=' !lIDljustput due paymerlls). You wi.. havelD par any IaIe c:harpes.the CllsI Df llIking:and SIDrinQ !he VIIIlI$.1IIllI DIhw ~ lhalwe have hIIl1 When weliQUre the entire amount you owe on the conIraCI. we wlIJ 11M )'DU a reIund Df parl cJ the Iinanc:e charge ligured the same wal' as if you had prepaId)'DUl' contracI. y_rightlll redeemwIJ end when we ...Ihe ""'**. Sale of the Repossessed Vehicle. WI wi send you a .mI. . ten nDIice cJ saJe IllIeat 15 days beIDre we sell the vehic:Ie. K :rou do I1CII redeem the VlIhicle br !he dale on lit hDlice, we can Bel the WIhIcle. We ... use the net proceeds of !he sale ID pay al or part 01 your debt. We ..Iiglft the net proceeds cJ ... br sublracIing these IIems IrDm !he seIing price: Any IIIIe charges; any charges far laIoing IIIllI SIDring !he vehicle, cleri1g lInd .cMrIislng. eIc.; and Imy IUSDNIbIe aIlDmey INs end court __ . you owe us less Ihan !he net proceeds III S8Ie, we ... pay I/DU the diIIerence. unlesslherels a~lhlIt _pay I Ie> sor..... one else. Forexample, we may have ID plIy alerderwho gave I"'" a ban IIIllI also IDDI< a securiIy inIeresI in the vehicle. . you owe more Ihan!he net proceeds cJ saJe, you wi! pay us !he dIlI_ ~ !he net proceeds 01 saJe and what you ewe when we ask for I/. . )'DU cICI no! pay this IImounI when we osk. ... may also ch8Ige you inI8rest III the highest IawIuI rale unIil you pay US .. you DWL Collection Costs. K we hire an aIIomey ID coIect whalyou 01.... you'" pay the aIIomey's reasonable lee and any court costs. Delay In Enforcing Rights and Changes of this Contract. We can delar or refrain Irllrn erdDrcing any 01 our rights under lhis --= wiIhDUI bsing them. For"'. we can extend !he til11e lor making _ payrrIBnIs wlIhouIlIlCIending the lime lor olhe... Any c:hMge in terms Df lhIs conIract must be In wrlIinp lIIId we m:JSI sign" No oral changes... binding. If any pall oflhis conInIcI is 11Dl vaIicl. .. DIher paris'" romain erIotceable. Warranties We DIscI8Im. You understllnd lhaIlI you or others use !he VlIhIcIe prtncIpaIIylDr buslness or agrlcuRural ptII'JID$8S, or Ihwe IclIcI you In MtIIng before DIe Ilr8I we ,n __!he vehicle on&n -..is"baslsandlhalyou.. respc... sible tOllhe enUre I1sk as to .. quality 01 pertDmlllnce 01 the nhIcIe, .... Is no ImpfIed ....my 01 n.chanIabllllr. r~o ImpfIed warrutt' 01 mr- tor a pMlcuI8r purJlOM lInd r~o ImpIIecI ~ thai Ulends befond lhe cIesc:rlpIIDn 01 rile NhIcIe on lhe oIher aide 01 tills conInIcl, unI_ we mend a ~ W8nanIy or MlYIce _cl wIIhIn 80 ")'I from ~.. dlIIe of this -*8cl. An implied warrant)' d ~ lIfJ-.Iy means IhaI ~.. \IIIhicle is III lor \he DRinmy JlUllIDIllIllr which people penel1IHy use SllCIII whicIes. A wannly llllilness lor a particuIIIr purpc.Sll is a warranIr lhlIt may 8risa when we have reason lD knDw a... pMic:uW JIUIPON IDr which yDU require !he vehicle and Y'>U ..., DIl _ ski! or judgment 10 Iwnish a suIbIbIe vehicle. This pnwlsion does rllll ailed any warranties GO\I8rinp lht vehlde IhalIhe vehicle rnanulacIurw fnIy pmvlde to you. Used Car Buyers Guide. The Informallon you _ on Ihe windDw IDrm tor tills vehicle Is par1 oIlhls -.tract. Inform.. lion on the windDwform overrides any conbary provIsiDns In !he c:omr.cl 01..... NotIce of SubstItutIon of Contract. K we DbIaIned this velli- c:Ie from ~ MDIDrs CDrporaIion (GM) DIl insIalrnenl crellil Ienns, we ... subsIfIuIe lhIs CDnIrIIcI lor. IIIllIIhis conIracI 1I111 ntplace DII' obIigatiDn ID pay GM lot the wwhicle you a.. purchas- ing. This SUbslIIuIiDn wi nal change the amDUn\}'llU have agreeiC! Ii) pay lIS, !he peyrnenlschedule.1he fin8nce charge 01 any of yor.... righIs and duIies tOr lhls purchase. The terms ollhls contrad S'!tI IDI1h your an1ire and only obligation to us, GM. or any other hoId<" Df Ihis CDnlraCl NonCE: AJfY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PUFI- SUANT HERETO DR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. ..... ::;,::': ::. ::' ::;':.: WT::- .:$:.: .~ f:~::~:i :::::::.: .."..... :..?:;:::~:.. .;.h~i. I I: I ill;!:;!. ~r;~tr ';l:''',: H;!\r: :t:'::'::, 1..... '._ .n ..... ...'.:.... g~;.~: ; ~;:.;: : :(:::;.. .,.... . :{::::;: ::";.' ::~l!::: ..... .' .' :::.. ......, . .. ...... .:::;':: : ;.. :. -~. .I',;" f. ..; ". '.. ~;.::: :~::: .;: ;~~~:;~;. ::;f~ JU::; ...-... . .' :~. ~:.: . ." :.. :.... :: ~:,::; GMAC - P.O. Box 971 Horsham PA 19044 215-957-3400 June 19, 2003 NOTICE OF OUR PLAN TO SELL P'ROPERTY Gloria J Schell 1001 Nanroc Dr Apt 22 Mechanicsburg, PA 17055 Subject: Account Number 020-4685-12091 We have your vehicle (a 2001 GMC Jimmy with VIN 1 GKCT18W71K174578), because you broke promises in our agreement. . We will sell your vehicle at private sale sometime after July 7', 2003. A sale could include a lease. The money that we get from the sale (after paying our costs) will reduce the amount you owe. If we get less money than you owe, you will still owe us the dlifference. 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. You can also get it back for less (see below). To learn the exact amount you must pay, call us at the telephone number at the top of this letter. 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 at the top of this letter or write us at the address at the top of this letter and request a written explanation. If you need more information about the sale, call us at the telephone number at the top of this letter, or write us at the address at the top of this letter. We are sending this notice to the following other people who have an interest in your vehicle or who owe money under your agreement: Charles H Baenig EXHIBIT ~ JUG\cdg POSTREP09Ig594a-PA Gloria J Schell 020.4685-12091 -2- June 19,2003 Additional information: As of the date of this letter, you can get your vehicle back by paying the total amount indicated below (redeem). Gross unpaid balance Finance charge rebate Unearned insurance premium* Other credits Late charges Expenses ( Estimated Repo Charges $200.00 ) TOTAL $ 21,802.35 632.06 0.00 0.00 + 18.46 + 200.00 $ 21,388.75 You can also get your vehicle back any time before we sell i1 by paying all past due payments, late charges, and expenses (reinstate). You must also provide proof of the physical damage insurance your contract requires. Then you must start making your payments again. As of the date of this letter, you must pay: Past due payments ( 3 of $ 461.65 and one of $ ) Late charges Expenses (Estimated Repo Charges $200.00 ) TOTAL $ 1,384.95 + 18.46 + 200.00 $ 1,603.41 The longer you wait to redeem or reinstate, the more you m81Y have to pay to get your vehicle back. Only reasonable expenses may be charged. They mllst be the direct result of taking, storing, and selling the vehicle. We may also charge you the costs of getting it ready for sale and reasonable attomey fees, as the law permits. You must pay the amount required in certified funds. To redeem or reinstate, send your payment to GMAC at the address at the top of this letter by mail, overnight delivery service, Western Union, or MoneyGram. Send any notices regarding this matter to the same address. Your vehicle is at Manheim Auto Auction, 1190 Lancaster Rei., Manheim, PA, 17545. It will be there at least until July 7, 2003. After that, we may move it in preparation for sale. We must send you any extra money owed to you from the sale of your vehicle within a reasonable time. If you do not get the money, you may have the right to sue for it plus any penalties fixed by law. Any personal property left in your vehicle not already returned to you will be held for at least 30 days after the date of this letter. After that, we may dispose of it as the law allows. Contact us to find out how to get back personal property left in your vehiGle. JMG\cdg POSTREP09Ig594a-PA . Gloria J Schell O~0-4685-12091 -3- June 19, 2003 If you do not do what is required to get your vehicle back, we will cancel any physical damage' insurance or service contract that is part of your contract. Make sure any other coverage you no longer want is canceled. Call the insurance company or the dealer to do this. You have a right to credit for any refunds. Contact us at the telephone number at the top of this letter for more information about getting your vehicle back. Signed, J. M. Gardocki Customer Relations Analyst * The insurance premium rebate is for credit insurance if it was part of your contract. It is also for any limited physical damage insurance. WE ARE ATTEMPTING TO COLLECT THE AMOUNT OUR RECORDS SAY YOU OWE US NOW. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. JMG\cdg POSTREP09Ig594a-PA . . CERTIFICATE OF SERVICE A true and correct copy of Plaintiffs First Request for Production of Documents and ~ Request for Admissions has been served by u.s. Mail, on the ,2.1 day of 51k"1.hc.n:... , 2004, upon the following: Gloria 1. Schell 1001 Nanroc Dr., #22 Mechanicsburg, P A 17005 By: &''l;ilIC;;] UI~ .L.KAI1\r. - ."""""11 .I. """'J.l.l5 ."""'1'''&. - ......u..._, "................J 1 of2 .. ~"r'" .... ....._~'._----_._-----_.. ----.- ---- --- - -, - - -. It ~!l!..IaeJ:J II~ i L____ . _. ~_... ,,~_,_,_,.._.__.__________._._ _.~_._.~____.__.__ GET2.9" APIl.......... GMC ....... ~......~ ....h~l~ull USEOCAftS -1!lI;l:t'1I~~","1''lof~li!~11011~['11:l111'''ill:''':{oI'''' o F,.. D&liIr Price Quak 1:1 s-dl Used CIIr liIIlngS 0011 Your c.r tor s.Ie BLUE 1001lETAll REPORT Pennsylvania . 2001 GMC Jimmy Sport Utility 20 .'.w . , Search Listinas for This Car Free Record Check Auto Loans from 3.65% APR Insurance Quote Payment Calculator Engine: V6 4.3 Liter Trans: Automatic DrIve: 4 Wheel Drive Mileage: 22,000 Equipment SLS Air Conditioning Power Steering Tilt Wheel Cruise Control ABS (4-Wheel) AM/FM Stereo Roof Rack Cassette Alloy Wheels Dual Front Air Bags Retail Value Search Local Listinos for This Car $12,835 The Kelley Blue Book Suggested Retail Value is representative of dealers' asking prices and is the starting point for negotiation between a consumer and a dealer. This Suggested Retail Value assumes that the vehide has been fully reconditioned and has a dean title history. This value also takes into account the dealers' proflt, costs for advertising, sales commissions and other costs of doing business. The final sale price will likely be less depending on the vehlde's actual condition, popularity, type of warranty offered and local market conditions. Get Invoice &. MSRP on New Cars Get a Private PartY Value Get Financlna Before You Shoo Copyright @ 2004 by Kelley Blue Book Co., All Rights Reserved. Sep-Oct 2004 edition. The specific Information required to determine the value for this particular vehlde was supplied by the person generating this report. Vehlde valuations are opinions and may vary from vehlde to vehlde. Actual valuations will vary based upon market conditions, specifications, vehlde condition or other particular drcumstances pertinent to thIs particular Advart!'seme.nt .-.,. - . ~ ~ ~29' ~AI'R 1'In88CIQ oil GMe .._. ,.'- f~,!'U QI.J'l,~.'!."rs. - '. .... - '. 10/1512004 4:13 PM .. VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, he is an attorney for the Plaintiff herein; make s this Verification based upon the facts as supplied to him by the Plaintiff and/or its agents and because the Plaintiff is outside the jurisdiction of the court and the Plaintiff s Verification cannot be obtained within the time allowed for filing of this pleading, and that the facts set forth in the foregoing pleading are true and correct to the best of his knowledge, information and belief. 0/,-,0r DaVe CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiffs Motion for Summary Judgment as to Defendant Gloria Schell has been served by U.S. Mail, Postage Pre-Paid, on II day of November, 2004 upon the following: Gloria J. Schell 1001 Nanroc Dr., #22 Mechanicsburg, P A 17005 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION GENERAL MOTORS ACCEPTANCE CORP. Plaintiff, Case No.: 2004 - 1509 - CIVIL vs. GLORIA J. SCHELL AND CHARLES H. BAENIG, Defendants. ORDER OF COURT AND NOW, to-wit, this _ day of , 2004, upon this Court's consideration of Plaintiffs Motion for Summary Judgment as to Defendant Gloria Schell, IT IS HEREBY ORDERED, ADJUDGED AND DECREED that said Motion is GRANTED and Plaintiff is awarded judgment against defendant Gloria Schell in the amount of $10,581. 75 with continuing interest thereon at the legal rate of 6.00% per annun from the date of Judgment, plus costs BY THE COURT J. .. '" (") '""" 0 (:":' c-- ( C) -.n _1.- :s.~ -t :1: '~1-' t~,~J rn :n ........ ,- -rllTt f',) , '-:;J \..D C) -'0 - - -~~ :...c (.7C::i ( P1 ",. - ) --I ::-1 P' ~D -'-. \..0 -<. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION GENERAL MOTORS ACCEPTANCE CORP., Plaintiff, No.2004-1509-CIVIL vs. PRAECIPE FOR ARGUMENT GLORIA J. SCHELL and CHARLES H. BAENIG, Defendants. FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: BENJAMIN R. BIBLER, ESQUIRE PA I.D.#93!598 Weltman, Weinberg & Reis Co., L.PA 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#033:~9235 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION GENERAL MOTORS ACCEPTANCE CORP., Plaintiff, No.2004-1509-CIVIL vs. GLORIA J. SCHELL and CHARLES H. BAENIG, Defendants. PRAECIPE FOR ARGUMENT TO THE PROTHONOTARY: Please place the above-captioned matter on the next argument list. WELTMAN, WEINBERG & REIS CO., L.PA By: BENJA PA I.D 3598 Welffhan, Weinberg & Reis Co., L.P.A. 2718 Koppers Building Pittsburgh, PA 15219 (412) 434-7955 WWR#03329235 CERTIFICATE OF SERVICE A true and correct copy of the within Praecipe for Placement on the Argument List has been served by U.S. Mail, Postage Pre-Paid, on the --f I~P J Cln Ll. [l vtX 2005 upon the following: day of Gloria J. Schell and Charles H. Baenig 1001 Nanroc Drive # 22 Mechanicsburg, PA 17055 Respectfully Submitted: w BENJAMI R. I L R, ESQUIRE PA I. . 3598 Attorneys fo r Plaintiff 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-n155 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION GENERAL MOTORS ACCEPTANCE CORP., Plaintiff, No. 2004-1509-CIVIL vs. GLORIA J. SCHELL and CHARLES H. BAENIG, Defendants. ORDER OF COURT AND NOW, this day of .' 2005, it is ORDERED, ADJUDGED and DECREED that the above matter be and hereby is scheduled for argument on the day of ,2005. BY THE COURT: J. r--, '-:-:.J :~.~ ~ ~ -.. (,~) I:,? (.;', OJ ~ ~_:l --1 ~"1'~ ::fl ~-n (~) " .. GENERAL MOTORS ACCEPTANCE CORP., PLAINTIFF V. GLORIA J. SCHELL AND CHARLES H. BAENIG, DEFENDANTS IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA 04-1509 CIVIL TERM IN RE: MOTION OF PLAINTIFF FOR SUMMARY JUDGMENT AGAINST DEFENDANT. GLORIA J. SCHELL BEFORE BAYLEY, J. AND HESS, J. AND NOW, this ORDER OF COURT 4""-. day of February, 2005, the motion of plaintiff General Motors Acceptance Corp., for summary judgmEmt against defendant, Gloria J. Schell, IS GRANTED. Summary judgment is entered in favor of plaintiff against defendant in the amount of $10,581.75 with legal interest of six percent from March 12, 2004. ~njamin R. Bibler, Esquire 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 ~ria J. Schell, Pro se 1011-22 Nanroc Drive Mechanicsburg, PA 17055 ",Charles H. Baenig 1001 Nanroc Dr. Apt. 22 Mechanicsburg, PA 17055 By thE} Court, ~ ~ ) ~ ) . .ul ,~ 0:;;... -07 -Q,j :sal ->\ ~ ., v.;) \ f'.1 <-': - , IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION GENERAL MOTORS ACCEPTANCE Plaintiff No. 04-1509 CIVIL vs. PRAECIPE FOR SATISFACTION OF JUDGMENT GLORIA J SCHELL and CHARLES H BAENIG - AKA Defendants FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt PA I.D #42524 WELTMAN, WEINBERG & REIS CO., L.PA 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 VVVVR#03329235 ~ IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION GENERAL MOTORS ACCEPTANCE Plaintiff vs. Civil Action No. 04-1509 CIVIL GLORIA J SCHELL and CHARLES H BAENIG - AKA Defendants PRAECIPE FOR SATISFACTION OF JUDGMENT At the request of the undersigned attorneys for the Plaintiff, you are directed to satisfy the above-captioned Judgment WELTMAN, WEINBERG & REIS CO., LPA By: James C Warmbrodt PA I.D 2524 , WEL AN, WEINBERG & REIS CO., L.PA 27 oppers Building 4 6 eventh Avenue i burgh, PA 15219 12) 434-7955 WWR #03329235 Sworn to and subscribed before me this day of Novemb ,05 ----. {--.-----..---- .. I' f~otana.i SP~; - Wend _~, ~,,: .,. 01 .Y L. Gu.lJ,t, I'kJk1ry-\_'.i-'>G I A,.1 Y Of P'!f5burqi!, l\llp9h-efiV ";""---} ~~:9~~~ Expires ,J~.~j 1 S, ~ '-. . , '.- --"----"-"-.---. , -~. I'~'", ------ f! --< (', ;"i' ::::' r'o-\ -\: f.'.~\ ,.~ i'l ..0 " t"'J -