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Home My WebLink About08-7102oy _ MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 / Charlene A. Taylor, Esq. Identification No. 203920 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 ARBITRATION MATTER ASSESSMENT OF DAMAGES HEARING NOT REQUIRED Attorneys for Plaintiff 1 -*))'/89-'/161 V. FORD MOTOR CREDIT COMPANY, A DELAWARE LIMITED LIABILITY COMPANY P.O. Box 6508 Mesa, Az 85216-6508 MICHELLE D WESCOAT 579 F St Carlisle, Pa 17013 CHARLES WESCOAT 579 F St Carlisle, Pa 17013 Plaintiff, Defendant(s). CUMBERLAND COUNTY COURT OF COMMON PLEAS Case No. OB - '1110a eivi t (em, NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. CIVIL AC'110N COMPLAINT AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en [as paginas siguientes, usted tiene veinte (20) dial de plazo al partir de la fecha de la demands y la notificacion. Hace falta asentar una comparencia escrita o en persona o can un abogado y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Adernas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisioner de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes pars usted. 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. LLEVE ESTA DEMANDA A UN ABOGADOIMMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. CUMBERLAND COUNTY BAR ASSOCIATION Lawyer Referral Service 2 Liberty Avenue, Carlisle, PA 17013 (717) 249-3166 MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 Charlene A. Taylor, Esq. Identification No. 203920 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 ARBITRATION MATTER ASSESSMENT OF DAMAGES HEARING NOT REQUIRED Attorneys for Plaintiff (21J) /69-/161 FORD MOTOR CREDIT COMPANY, A DELAWARE LIMITED LIABILITY COMPANY P.O. Box 6508 Mesa, Az 85216-6508 Plaintiff, V. MICHELLE D WESCOAT 579 F St Carlisle, Pa 17013 CHARLES WESCOAT 579 F St Carlisle, Pa 17013 Defendant(s). CUMBERLAND COUNTY COURT OF COMMON PLEAS Case No. CIVIL ACTION COMPLAINT 1. Plaintiff, FORD MOTOR CREDIT COMPANY, A Delaware Limited Liability Company, is a Corporation with its place of business at P.O. Box 6508 Mesa, Az 85216-6508. 2. Defendant, Michelle D Wescoat, is an individual who resides at 579 F St Carlisle, Pa 17013. 3. Defendant, Charles Wescoat, is an individual who resides at 579 F St Carlisle, Pa 17013. 4. At all times relevant, the Plaintiff was in the business of loaning money on motor vehicle installment sales contracts, including but not limited to the note signed by Defendant(s), hereinafter more fully described. 5. On or about June 7, 2006, the Defendant(s) entered into a written Motor Vehicle Retail Installment Contract, (hereinafter referred to as the "Contract"), for the purpose of obtaining financing in the amount of $72 at an annual percentage rate of 10.340%, in order to purchase a certain motor vehicle, 2006 Ford F-150 more particularly described in the Contract (hereinafter referred to as the "Vehicle"). A copy of the Contract is attached and marked as Exhibit A. 6. Pursuant to the Contract, Defendant(s) was required to make monthly payments in the amount of $930.51 for a period of months until the loan was paid in full all as is more fully set forth in the Contract. 7. Defendant(s) made monthly payments until July 5, 2007, but has failed to make any further payments thereafter, and are therefore in default of the Contract. 8. As a result of the default by Defendant(s), and pursuant to the terms of the Contract, the above-mentioned vehicle was repossessed and a notice of repossession was sent to the Defendant(s) giving the Defendant(s) the opportunity to redeem the Vehicle as well as notice of the sale date. A copy of the notice of repossession and notice of sale date are attached and marked as Exhibit B. 9. The Defendant(s) failed to redeem the Vehicle and the Vehicle was sold at auction with a credit given to the Defendant in the amount of $22400.00, however a balance of $23369.39 is still due and owing, and a notice of the deficiency balance was sent to the Defendant. See copy of the notice of the deficiency balance attached and marked as Exhibit C. 10. Pursuant to the terms of the contract, Defendant is required to pay all amounts due and owing, including any balance that may remain after the sale of the vehicle, and the Defendant failed to do so, thereby in default of the Contract. 11. In addition to the foregoing, there is interest due and owing on the deficiency balance which at this time amounts to $1807.33 and which will continue to accrue. 12. The total amount due and owing at the time of the filing of this complaint is $25176.72. WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant(s), in the amount of $25176.72, well as any additional interest and costs that may accrue and such other and further relief as this Court may deem equitable and just. Respectfully submitted, MAU ICE & N DL AN, P.C. C L A. LOR, ESQUIRE Attorney for Plaintiff Date: November 20, 2008 VERIFICATION 1, CHARLENE A. TAYLOR, ESQUIRE, verify that I am the Attorney of record for Plaintiff, FORD MOTOR CREDIT COMPANY LLC, A DELAWARE LIMITED LIABILITY COMPANY, and duly authorized to make this verification on its behalf, that statements made in the foregoing Complaint are true and correct to the best of my knowledge, information and belief. These statements are made subject to the penalties of 18 Pa.C.S.A. §4904 relating to unsworn falsification to authorities. BY: C LENE A. TAYLOR, ESQUIRE DATED: November 20, 2008 PENNSYLVANIA SIMPLE INTEREST VEHICLE RETAIL INSTAI 1-WOH7R7.7000 Buren N? Co-BuyarlCCwmLe awl nmrEEass I?clw.m, ?CCSC5?AR E EEOWESCOATTJR CARLISLE PA 17013 -bEALN ?'??' 06/07/06 HENT CONTRACT DATE wnry arty SELLERICREDROR ($Nlr Tk,rr arrd Ada,..al 808 RUTH FORD, INC. 700 MR RTE IS NORTH DILLSBURG, PA 17019 yea NEW FORD FISO PICK IFTPWI4596KC98456 ITEMIZATION OF AMOUNT FINANCED 1. Cash Pnm._........ _.... ................ .. .. ......... . ........ t 53668.32 UI z Town P.ymenl t 3500.00 TMrd MY Rabak AfaIOMd to, Seller _ ................._..............._. Cash Dorn P .. ...... TAI rndakzo06 0 Yea ma wk Gage Arowence Mro- Oang Tdq Goan Payrraad..... _.... ...................... ..._..._..........__._..........s 4231 . 57 _ (2) S. Um-" Rd- ef Cesh Price (1 mkue 21..__.......... ...... ._......... (f) 4. Amawas Pad on Ycer I~ (SNMr mry be retabbg a p«Ibr of tlkas -mu) To Publk oHk1W (1) 1« kerNe (f N/A 1, Ntk If 22.50) a regsbaeon (s-mow ), lees (N)for Ming feee s-Tb-OU'. 1k) ler tam (not in Cash Price) 6 41.50 ! To lneuenc , C-Pe is tor: X/A Credit Lice kkkaree 1w lean d contract)...._.......__...._....._! Cress BWkNNp Narwanee (f« term d rad) .................._.t ?A M/A Rearm N/A ue„ura).._.._.._f-------- 1`7717- /-? F7A aw d ).._..._...s Tw;°FFE- f-3s0U- To ror t MIA- Ta ror f T. $ -T7X- T ST-OF-PX-faror d- t - CU- ya -STCCER -- ror?ECT1I?ILE-FE?s-NTF-d TacIL.___..____..__.._.._. ....._.._.._....._._...__._..._......._........._ t? (4) f. Ankara FInallced l3 pba Q......... _._..__.....__. PERCENTAGE CHARGE Financed PaysISms Price RATE m. aoaar waoad Tmr ree,aa a 71r en,orat ilr kk and d.au you wII nak a m w?daee tarn mkan,. ar -idw a Padaaa brw«Pr e?idn nlwe? ius v- eea n a wanly or cmlarea yew earrlr earaaea a0W7 10.84 -18369.67 - 49552.25 - 677921.92 'It-7ZT59-i9 i IrIIe I ba i 72 ? ? ?Amuaar fteine MIA I PraeeyererrL O yeu paY ? Vow Oed ee,rY. rov ova rot have b IkY a p,Wly. Se ft ae-c Ym ere gk" a w1mly Ygaea n h w,hde cave Prorated. lar Ym..,k ear•kk aagemear p-a eedr w-nn-en moo aan 10 `y. rare Trrakaer 20 W,ota d dr kr snarl. C-*A Fieate wkDar. Vie m,ar in, far addlliorW Inr«-1n IS aa...nAr -!NMw.. rw r.nl d your amI h IS M1tlak ar w.a,w.ne N You dD not rr w your Corked odipabDrk. You may Iwo yaw velYcla. as oval w and goods W «I Yaw vehicle and murky a goz rec., for as DoMrlYde. YOIw ve BALLOON CONTRACT PROVISIONS ? Your 1W inoblermil PaPNNN Mdr tl6 DO bM k a balloon gyrnerd. RCFla WE.:_ L=AND IREAOE CHARM Ong IN. end C.0 Okaamlty V- w N ale boa ereaaY above k dkdkd. Ise eaYbn. ParagmeN B. and Paragraph C'd far ale Irk f tlk'alert m. aareaN eed ads cenkaa apply. You may be charged for slpeseiw wear boed opal ok slerrdnda eswraele w alwl k • Ica a alkaara b PAmmipaph ar mrmr ??uMy)'woIrN Y- urwe Nr DPNDnb Bell p?6?e_wfr4 Men b mle b Seller kaACnader awn, b Var deal _?dlriin A- er1 the odanda. "°I mile lar win ? OaN pNa/NYa RWr AMkrce pParrg N pit Doe k d,waa lee la Pladlaeee • tltbl RRTIIA IalEAOE OPTION CREDIT --mm. eWa. Pudara d oft w1a k R a,ia oerkaCl G91YYS a babpn paymmera (se bdgakd above), ad ycu Inner cpaark ad k nom aaraas b abkk aresu Tas l lerr,raramrrrda.aaa.raakmaanr easrard you Older, b all the vN,icle b the so. Nka Paacept D. oft -ri Mf to- F MWINNOW ANahdylh",dlTd, k Parapepl applee b Your Corked. At the adretlWad sW d ft Centred. Y- ore alPa,Derad kkeaaareed Rrpikkraadek recaAw a -fil d $0. per urarW mile for M arkr d -.d Mk. o•eeYbnwaherYMleral anak cakadhM brae- and _ mite, leas arty amaaas You eta ur Merdtlon d AnaYa M1kwd unbar arsm A. dr ode ccft .You ova - news a.Y -0 l dla vaniie k daanpyW, U. marred enb Wh, a you as I. defeat. Yce ova nd kceNe any CON O ON Credit Is g? Ilea ekn 11.00. NON-MOON4CATM DISCLOSURE AV cr?nvee inn wale- nw,r be in ettmg rd wprd by you and ft Beier. / BrYar ?AJ11o O? )-y? \)?M ? X ?! ! ?! VZO WLEDGE THAT YOU HAVE READ AND AGIIEE TO ER 801111D BY TFIE ARBRIUTIOM PRDWBION ON SE WE OF THIS CONTRACT. Rob mq w .0909@W*Nh IM M M F sWar. The salbr -y sesgn no contract an0 any robin ponlon lnrn a Chance. Do ray sign this conU M In blank. You we entitled to an exact Copy of tIe contract that you sign. Keep I to protect your legal rights. A ee 0.M--Z?l? ca+yaX Buyer (and Co-Buyer) acknowledge that (i) before sianMo this eontraM, Boyar (end Co-Buyer) recalyed and reviewed a true and compleMy kHd In copy of this c contract an•d. (19,at the time of ontraeNract. this contact, Buyer (and Co-Buyer) received • true r and comlle * t.i p kl Copy of This o x-?U?? 7wIlUS1 .1 7. ??114.M??w?, X 1141trl- Sillee SAW BOB RUTH FORD, INC. X Txk S.?r Nlir adl 70- THIS CONTRACT IS NOT VALID U"L YOU AND SELLER SIGN ASSKilMENT saw air Nsatrr ar asrkad b ekarr P-. Tasl Pakce wI ark Ik,k r atlar'a dele, pkateae. ant ranee M eyke bakes. ore 8~rNler aY asebst b - FORD MOTOR [RFD[T fO1MAIY f .L To canna Mliera ataNN ale corked, tas 1-800-827-ZOOS . a .1611, ar? esadk r Satyr ar X __ Tar rJr1'aeA? 9EE OTTER 910E FOR%,OpITpNAL AOrEEIAllirg ? vww,a ? Agri -l ? Cenxrrw ? INSURANCE You ARE REWMW TO INSURE THE VEHICLE. YOU MAY OBTAIN VEHICLE INSURANCE FROM A PERSON OF YOUR CHOICE. LIABILITY INSURANCE COVERAGE FOR BODILY INJURY AND PROPERTY DAMAGE CAUSED TO OTHERS IS NOT INCLUDED. YOU PRFI Cram ? LNa f N/ Insurance Compem Premium bkured(s) You warn Credt Life Inwrarce. Buyer Signs Co-Buyer Signs CrodN ? OisabNNq $ N/A Irm-ance Company Prereturn Imlaed(s) You warty Creel Dsebmity ikurarlca Buyer Signs Co-BUyar Signs OTHER OPTIONAL INSINIANCE Coverage and P- and ) CDrrrcrrv Term in L4oroln s MIA ey N!A $ MIA BY N/A Voa wk re aparas irrwalce for whch Pl-h- M i.kAmd above . Brryar Signs Co.BUyer Signs ORIGINAL Al,0000]93 , Ell ?- I E VIIH; THE I ''.:357 THE SELLER C E•; :INEC PUR'iU NT lET[. ,EEDS HEREOF. RE'. 'ER -- - - _ = OEB"[OR 511AL1 NOT EkGFE . 11 ;LHTOR HEREON )e:-: c- - Vet . Buyer:, G- nalry us ?ti. - 1 t eH q th ' - r - THE INFORMATION OU SEE ON ; It -u-1 , 1 l c T.IE WINDOW FC ,44 FOR THIS VEHICLE IS PART OF .Id Or n mike +M I ot THIS CONTRACT. INFORMATION ON THE WINDOW h hcrw,xe ynu d . li d t ) FORM OVERRIDES ANY CONTRARY PROVISIONS IN - p e rrrrarz r x 1 . - THE CONTRACT OF SALE. F. a hic:c .:,. ...... : __ EAO THIS ARS Tr _:.'1 4 CAR .'.": AND IN ITS -' - ETV • RIGHT TO A TRIAL. WHETHER El. r - J - • FIGHT TO PARTICIPATE AS A CLA 'DEE AGAINST US WHE IHER IN COURT OR IN r,, r 01' A C. aSS tAEA18ES' - ?if CI A. LkiTt'tOV fA v 'A r p BROAD RIGHTS TO pISCOVERY ?5 ARE • RIGHT TO APPEAL THE DEC], El i '.N A I AIYSIIfT • OTHER RK;HTS THAT AREA t ,I - ,. -... RIQht You A.d We Do HW Glve ?. BACKER ;HEAD TO HEAD) & SCREENED 5n`:.. "'PRN"' Ford Motor Credit Company P.O. Box 31111 TAMPA, FL 33631-3111 (677) 349-5260 POE2V500200012 CHARLES E. WESCOAT JR 579 F ST CARLISLE PA 17013 Date of Repossession 10-31-2007 Date of Notice 11-032007 Date of Contract 0607-2006 Account Number: 040876371 Buyer MICHELLE D. WESCOAT Cobuyer CHARLES E. WESCOAT JR DESCRIPTION OF PROPERTY Year 2006 Make FORD Q New ? Used Vehicle Identification Number: IFTPWI4596KC98456 Model F150 Body 04 NOTICE OF OUR PLAN TO SELL PROPERTY We have your property described above because you broke promises in our agreement. EFT rrrrr? x? PRIVATE SALE: We will sell the property described above at private sale sometime after 15 days from the Date of Notice shown above unless redeemed by you prior to such sale. ? PUBLIC SALE: We will sell the property described above at public sale to the highest bidder on the date below (or any adjournment date). The sale will be held as follows: Date of Sale Time of Sale Plice of Sale You may attend the sale and bring bidders if you want. NOTICE OF REPOSSESSION The money that we get from the sale (after paying our costs, including reasonable attorney's fees and legal expenses if permitted by law) will reduce the amount you owe. If we get less money than you 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. See How To Get Your Property Back for an itemization of amount owing. To learn the exact amount you must pay, call us at the telephone number above. If you need more information about the sale call us at the telephone number above, or write us at the address above. If you want us to explain to you in writing how we have figured the amount that you owe us, you may call us at the telephone number above, or write us at the address above and request a written explanation. We are sending this notice to the following people who have an interest in the property described above or who owe money unde your agreement: 1) The buyer and any cobuyer named above; 2) Any dealer/original creditor named below; 3) If there are other people, they are named on an attachment sent with this notice. The property is presently stored at: National Auto Dlrs Exchg 730 route 86 Bordentown NJ HOW TO GET YOUR PROPERTY BACK To get your property back, pay us this amount by certified check or money order before the vehicle is sold. Unpaid Balance $ 45,095.81 Plus Costs: Repo Expenses $ 260.00 $ $ Plus Late Charges $ 55.83 Less Finance Charge Rebate $ Less Insurance Premium Rebate $ TOTAL $ 45,411.64 (Plus expenses incurred if default at the time of repossession exceeded 15 days and less rebate received after the date of this notice.) Your properly won't be sold until 15 days after the date of this notice at the EARLIEST. After that you can still get it beck any time before it's actually sold. If you do, well have no further claim on it. But the longer you wad, the more costs (including repairs) you may have to pay. If you have any questions about this, please call us. ? The property has been (or will be) returned to: (d Under our agreement with your dealer/ original money creditor) original creditor, the deafer/original creditor is to sell the property and pay you any money left over. If you you owe money after the sale, you will pay it to the dealer/original creditor. ? PERSONAL PROPERTY: Any personal property found in the vehicle may be reclaimed by you within the nett 60 days or, in accordance with state law, by contacting this office. Thereafter, the personal property shall be disposed of accordingly. ? Creditor has assigned to its qualified intermediary (QI Exchange, LLC) its rights (but not its obligations) with respect to the sale of each vehicle listed above. PAYMENTS: All payments to us must be by certified check or money order. MILEAGE DISCLOSURE: If you are aware that the mileage reflected on the vehicle's odometer is not accurate for any reason, please contact us so that we can accurately report the vehicle's mileage. INSURANCE RIGHTS: If you don't want to get your property track, can the insurer" company or the dealer/original creditor to make sure that any insurance has been cancelled. You have a right to get credit for all premium refunds. CAROLYN L. CASSICK FFru11OW37Jan 02Prwiwseditionsmy NOT be used. CUSTOMERICUSTOMER FILE Printed in U.S.A. -PRN"' Ford Motor Credit Company P O. Box 31111 TAMPA, FL33631-31 1 1 (877) 349-5260 P0E2V500200or19 MICHELLE D. WESCOAT 579 F ST CARLISLE PA 17013 Date of Repossession 10-31-2007 Date of Notice 11-03-2007 Date of Contract 06-07-2006 Account Number: 040876371 Buyer MICHELLE D. WESCOAT Cobuyer CHARLES E. WESCOAT JR DESCRIPTION OF PROPERTY Year 2006 Make FORD ?Q New ? Used Vehicle Identification Number: 1 FTPW 14596KC98456 Model F150 Body 4X4 NOTICE OF OUR PLAN TO SELL PROPERTY We have your property described above because you broke promises in our agreement. ? PRIVATE SALE: We will sell the property described above at private sale sometime after 15 days from the Date of Notice shown above unless redeemed by you prior to such sale. ? PUBLIC SALE: We will sell the property described above at public sale to the highest bidder on the date below (or any adjournment date). The sale will be held as follows: Date of Sale Time of Sate Place of Sale You may attend the sale and bring bidders if you want. NOTICE OF REPOSSESSION The money that we get from the sale (after paying our costs, including reasonable attorney's fees and legal expenses if permitted by law) will reduce the amount you owe. If we get less money than you 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. See How To Get Your Property Back for an itemization of amount owing. To learn the exact amount you must pay, call us at the telephone number above. If you need more information about the sale call us at the telephone number above, or write us at the address above. If you want us to explain to you in writing how we have figured the amount that you owe us, you may call us at the telephone number above, or write us at the address above and request a written explanation. We are sending this notice to the following people who have an interest in the property described above or who owe money unde your agreement: 1) The buyer and any cobuyer named above; 2) Any dealer/original creditor named below; 3) If there are other people, they are named on an attachment sent with this notice. The property is presently stored at. National Auto Dlrs Exchg 730 8 - route 68 Bcrdentown NJ HOW TO GET YOUR PROPERTY BACK To get your property back, pay us this amount by certified check or money order before the vehicle is said. Unpaid Balance $ 45,095,81 Plus Costs: Repo Expenses $ 26000 Plus Late Charges $ 55.83 Less Finance Charge Rebate $ Less Insurance Premium Rebate $ TOTAL $ 45,411.64 (Plus expenses incurred if default at the time of repossession exceeded 15 days and less rebate received after the date of this notice.) Your properly won't be add untl 15 days after the date of this notice at the EARLIEST. Allertlwt you can still get it back-any tirrw before its actually sold. If you do, wain have no further claim on ft. But the longer you wait, the more costs (including repairs) you may have to pay. If you have any questions about this, please call us. ? The property has been (or will be) returned to: (dealer/original creditor) Under our agreement with your dealer/originad creditor, the dealer/original creditor is to sell the property and pay you any money left over. If you owe money after the sale, you will pay ft to the dealer/original creditor. ? PERSONAL PROPERTY: Any personal property found in the vehicle may be reclaimed by you within the next 60 days or, in accordance with state law, by contacting this office. Thereafter, the personal property shall be disposed of accordingly. ? Creditor has assigned to its qualified intermediary (QI Exchange, LLC) its rights (but not its obligations) with respect to the sale of each vehicle listed above PAYMENTS: All payments to us must be by certified check or money order. MILEAGE DISCLOSURE: If you are sovare that the mileage reflected on the vehicle's odometer is not accurate for any reason, please contact us so that we can accurately report the vehicle's mileage. INSURANCE RIGHTS: If you don't want to got your property back, call the insurance company or the dealer/original creditor to make sure that any insurance has been cancelled. You have a right to get credit for all premium refunds. CAROLYN L. CASSICK FFNA 119W37 Jan 02 Previous `lo'ons may NOT be -d. CUSTOMER/CUSTOMER FILE Printed in U S.A. 7yPS????l Ln ¦ • to m M D L ON "Rawl R1 Ji.Poshpe ;k ` l l wWad Fat Q '? po}syen?wk PakmRoftOF" D O (En x (Ja?`J fEndonMMnent l r :l S X11 Told PoMpt A Feet ru °a b.......... _...... ?yozzL#51 w CERTIE-IED M4 (0-.mlesf, : %fail only: ?V, ? DQ 7 m ' C3 Po*mk C3 tj "am i ) fu TOW Postpa A Am FU 0 I c? w `` Sf - ? g r- g ag r4 ? m o ;a gi m 410 U C3 C3 ° 3 = ° n C3 ru z .0 _ M $ a Q ° O N OD M1 D 3 -mmmDz 0) a) 0?M N??WX g ?' O $ y Q ? ? ?v oq o n a b20. ie $ g i a ? fit jilt `A mS? i Lo E* rA .? - } Fr til E ~? p ,cis ? O 000 c, i 0 0 Cc rI u1 m co i m I C3 C3 b a a .m N ru 0 0 N ? -I L • I?} Ln ; ?aaa ?n;aa r anr?a, m co 6 M ueHl m ° C3 °a ;euulj o °o ° U0141 I o 0 -0 .A N r N .17 a 0 ° C3 r%- N Q o O m N ?(ozZ0- g A?O?W L m ?i 4 a z 0. ? C w aMwQQ m N co AJI-- w o m L) oc??=U ?Q;?Z wu)T ? o1YtL_3 z) 2tu 05 .-QQ I I wzg ?N ? ? ? O O J W 9L 3: NOgwO amUJ X °4m°= ?QQm0 r- r4 Ln m Cc m d Cl 0 v O a r4 rU .0 0 ° I I ni ? ? aY o, ..t r C4 z0 a uj 0: -1 In co 40 oci°ai a?Q°w O a c 0 m E U) U) Ss v 4 k, ED Ln m ED m 0 ° 0 0 ° ?a r? ru ..G c? r~ I e ,4 fT' Sf r . LL4'! 4 0 11 cm wcro Zor -- a e . 06 8 •? - a a r. o _ ... ?. .. z? a ZY< z c?i z LM V)m OZ f $ - CD rc," Ui ix ? tilF-? ?QQW M D co C6 3 : ice ya??v urn;aa . _ Iq awr?aa a;???; as z = Q°- m 6u JpueH is a ? y a Ln m u petw" o; m o LL m v uo?; WJ 0 r ° 3 ° f7 a? o O M1 a r 0 Lo 00 < 00 ° xzz U- a o CO.C: > c°??aF->U r cc V U) _ W y S' ' t > ?b J z is s I ' ? ag ni .? ?C3UC1 0 U 1 m co ' co •a - r7 - -m m r C3 o m O Co m i O C) e? O O cl 5 p C3 o 'aoII -? cl I RI w -j p A - p O O N O O `a 4 VNOO Ix cv (1) rn " W sD O ? ?Z Cie) CWDO? Co U) W o Uj U) ?7n % z d pY 1? N Ol 3 (7) 0w p ? r Uw-j -to w 0. LL I 00 Co , IL UJ 0 X LL U) (40 Uj tiV) WO QQ CD p a oCnW'S x i5c5LU00 J(1)?!) < 0 ?5 ?ax°iQ 25 ae tiani a e 0 c E T d • d a aB co a ir \' `\?_ CO 1 b?N co °t E Q O ..O rF ? R11 .A 1 O O M1 0 C4 wv)J 34?oNiIm i I .. -Pc Ford Motor Credit Company P O BOX 31111 TAMPA FL 33631-3111 877 3495260 DATE: 2008-02-20 POGGX60o100070 MICHELLE D. WESCOAT 579 F ST CARLISLE PA 17013 CHARLES E. WESCOAT 579 F ST CARLISLE PA 17013 STATEMENT OF SALE Account Number: 040876371 The following property has been sold. Year Make Model 2006 FORD F150 Balance owing on your contract - Deduct: Finance Charge Rebate Balance less Finance Charge Rebate (1 - 2) Deduct: gross proceeds of the sale Balance less gross proceeds of the sale (3- 4) Add: Expenses of -retaking and storing, and any attomeys' fees allowed by law, and expenses of reconditioning and selling. Deduct: Insurance Premium Rebate Vehicle Identification Number: 1 FTPW 14596KC98456 (1) $ 45,151.64 (2) $ (3) $ 45.151.64 (4) $ 22,400.00 (5) $ 22,751.64 (6) $ _ 617.75 (7) $ 0.00 Other: (8) $ 0.00 Deficiency" (9) $ 23369.39 Surplus* (10) $ N/A The Surplus/Deficiency will change based on monies received by us (credits) or additional allowed expenses & interest added to your account (debits). Surplus* or Deficiency"* * If the sale resulted in a surplus, a refund for the difference will be mailed to you. If the sale resulted in a deficiency, you should immediately remit the amount shown on line 9 to the address for payments shown below. For additional information call or write: Mail deficiency payment to: Ford Motor Credit Company Ford Motor Credit Company P.O. BOX 6508 DEPT 194101 MESA ARIZONA 85216-6508 P.O. BOX 55000 (800) 732-2264 DETROIT MI 48255-1941 FFNA11990 01/04 Previous editions may NOT be used. • Ford Motor Credit Company P O BOX 31111 TAMPA FL 33631-3111 877 3495260 DATE: 2008-02-20 POGGX600100071 CHARLES E. WESCOAT 579 F ST CARLISLE PA 17013 MICHELLE D. WESCOAT 579 F ST CARLISLE PA 17013 STATEMENT OF SALE Account Number: 040876371 The following property has been sold. Year Make Model Vehicle Identification Number: 2006. FORD F150 1FTPW14596KC98456 Balance owing on your contract (1) $ 45,151.64 Deduct:-finance Charge Rebate (2) $ 0.00 Balance less Finance Charge Rebate (1 - 2) (3) $ 45.151.64 Deduct: gross proceeds of the sale (4) $ 22,400.00 Balance less gross proceeds of the sale (3 - 4) (5) $ 22,751.64 - - Add: Expenses of retaking and storing and (6) $ 617.75 any attorneys' fees allowed by law, and expenses of reconditioning and selling. Deduct: Insurance Premium Rebate (7) $ 0.00 (8) $ 0.00 Other: (9) $ 23369.39 Deficiency" Surplus* (10) $ N/A The Surplus/Deficiency will change based on monies received by us (credits) or additional allowed expenses & interest added to your account (debits). Surplus* or Deficiency** * If the sale resulted in a surplus, a refund for the difference will be mailed to you. * If the sale resulted in a deficiency, you should immediately remit the amount shown on line 9 to the address for payments shown below. For additional information call or write: Mail deficiency payment to: Ford Motor Credit Company Ford Motor Credit Company P.O. BOX 6508 DEPT 194101 MESA ARIZONA 85216-6508 P.O. BOX 55000 (800) 732-2264 DETROIT MI 48255-1941 FFNA11990 01104 Previous editions may NOT be used. > '7E 00 ' O 41 1 SHERIFF'S RETURN - REGULAR CASE NO: 2008-07102 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND FORD MOTOR CREDIT COMPANY VS WESCOAT MICHELLE D ET AL TIMOTHY R BLACK Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon rI- -I m Trt T/ TTT?T T n n the DEFENDANT , at 0015:30 HOURS, on the loth day of December , 2008 at 579 F STREET CARLISLE, PA 17013 by handing to MICHELLE D WESCOAT DEFENDANT 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 18.00 Service 4.50 Affidavit .00 Surcharge 10.00 00 "4"'10F 25 0 Sworn and Subscibed to before me this So Answers: ?? a le R.1 Thomas Klin 12/11/2008 MAURICE & NEEDLEMAN BY Deputy Sheriff day of A.D. ?i SHERIFF'S RETURN - REGULAR CASE NO: 2008-07102 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND FORD MOTOR CREDIT COMPANY VS WESCOAT MICHELLE D ET AL TIMOTHY R BLACK , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon WESCOAT CHARLES the DEFENDANT at 579 F STREET , at 0015:30 HOURS, on the 10th day of December-, 2008 CARLISLE, PA 17013 by handing to MICHELLE D. WESCOAT WIFE OF DEFENDANT 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 6.00 Service .00 Affidavit .00 Surcharge 10.00 1 00 Elan l°$ ( 16.00 Sworn and Subscibed to before me this day of , So Answers: R. ho 12/11/2008 MAURICE & NEEDLEMAN By. eputy Sheriff A. D. MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 Charlene A. Taylor, Esq. Identification No. 85248 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 (215) 789-7161 FORD MOTOR CREDIT COMPANY, A DELAWARE LIMITED LIABILITY COMPANY Plaintiff V. MICHELLE D WESCOAT CHARLES WESCOAT Defendant(s). Attorneys for Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS I Case No. 08-7102 Civil Term PRAECIPE TO SUBSTITUTE VERIFICATION TO THE PROTHONOTARY: Kindly substitute the verification of the Plaintiff, FORD MOTOR CREDIT COMPANY, A Delaware Limited Liability Company, for that of the verification previously filed. Respectfully submitted, MAURICE & NEEDLEMAN, P.C. CHARLENE A. TAYLOR, ESQ Attorney for Plaintiff Date: January 7, 2009 CERTIFICATE OF SERVICE I, Charlene A. Taylor, Esq. hereby certify that on this date I have caused a true and correct copy of the foregoing Praecipe to Substitute Verification on behalf of FORD MOTOR CREDIT COMPANY, A Delaware Limited Liability Company, to be served by regular, first class mail, postage pre-paid upon: MICHELLE D WESCOAT 579 F St Carlisle, Pa 17013 CHARLES WESCOAT 579 F St Carlisle, Pa 17013 Respectfully Submitted, MAU NE LE AN, P.C. BY: Charle aylor, quire Attorney for Plaintiff DATED: January 7, 2009 VERIFICATION I J-udv Aden verify that I am the Authorized Representative for Plaintiff, FORD MOTOR CREDIT COMPANY LLC, A Delaware Limited Liability Company, and are duly authorized to take this verification on its behalf; that statements made in the foregoing Complaint are true and correct to the best of my knowledge, information and belief. These statements are made subject to the penalties of 18 Pa.C.S.A. §4904 relating to unsworn falsification to authorities. Re re ntatif Plaintiff, FOgO MOT CREDIT COMPANY LLC, A Delaware Limited Liability Company DATE: NOV 2 5 2008 MICHELLE D WESCOAT Our file no. 8686 48063000000040876371 a p .. C7 ` v