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Home My WebLink About09-0449ARBITRATION MATTER ASSESSMENT OF DAMAGES HEARING NOT REQUIRED MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 Charlene A. Taylor, Esq. Identification No. 203920 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 Attorneys for Plaintiff 1J) /i59-/101 FORD MOTOR CREDIT COMPANY, A DELAWARE LIMITED LIABILITY COMPANY P.O. Box 6508 Mesa, Az 85216-6508 Plaintiff, V. MARIA C MARSHALL 4304 Allen Rd Camp Hill, Pa 17011-6602 ALLAN D MARSHALL-RIVER 5308 Oxford Cir Mechanicsburg, Pa 17055 Defendant(s). CUMBERLAND COUNTY COURT OF COMMON PLEAS Case No. (q - q49 &VA 7em 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 ACTION COMPLAINT AVISO Le ban demandado a usted en la cone. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) digs de plazo al partir de la fecha de la demanda y la notification. Hace falta asentar una comparencia escrita o en persona o can un abogado y entregar a la torte 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 notification. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas lac provisions de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para 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 Sl NO TIENE EL DINERO SURCIENTE DE PAGAR TAL SERV ICO, 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 (115) nig- / 161 FORD MOTOR CREDIT COMPANY, A CUMBERLAND COUNTY COURT OF DELAWARE LIMITED LIABILITY COMMON PLEAS COMPANY P.O. Box 6508 Case No. 0q_ 44,7 at;zf T-? Mesa, Az 85216-6508 Plaintiff, V. MARIA C MARSHALL 4304 Allen Rd Camp Hill, Pa 17011-6602 ALLAN D MARSHALL-RIVER 5308 Oxford Cir Mechanicsburg, Pa 17055 Defendant(s). CIVIL ACTION COMPLAINT 1. Plaintiff, FORD MOTOR CREDIT COMPANY, A Delaware Limited Liability Company, is a Corporation with its place of business at P.O. Box 6508 Mesa, Az 85216-6508. 2. Defendant, Maria C Marshall, is an individual who resides at 4304 Allen Rd Camp Hill, Pa 17011-6602. 3. Defendant, Allan D Marshall-River, is an individual who resides at 5308 Oxford Cir Mechanicsburg, Pa 17055. 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 August 10, 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 $77207.92 at an annual percentage rate of 0.000%, 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 $927.61 for a period of 72 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 January 24, 2008, 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 $20300.00, however a balance of $19678.55 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. The total amount due and owing at the time of the filing of this complaint is $19678.55. WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant(s), in the amount of $19678.55, 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 submitte , MAUR,KEI& NEEfo)(4^ P.C. CHAIRJkNE A. TAYVOR, ESQUIRE Attorney for Plaintiff Date: January 15, 2009 VERIFICATION I, 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: J0 CH LENE A. TAYLOR, ESQUIRE DATED: January 15, 2009 PENNSYLVANIA SIMPLE INTEREST VEHICLE RETAIL INSTALLMENT CONTRACT DATE 08/10/2006 . I-WD.?27'_7000 -"w.C ?aaan1tl CaBUyen llama anE AEaess I- Wirg C-1h ant SELL-CNEBITOR ISrler Ne- I" AGCmie) IWN C MARSHALL ALLAN D MARSHALL-RIVERA B SMITH FORD INC 5308 OXFORD CIRCLE $ 81 100 MARKET ST MECHANICSBURO PA 17055 EMOYNE PA 17043 CUMBERLAND ouy ,n 11 ea'iareSab Prkw.' BYaysgmnp Ma cmea-, you NEW 110 VORD F-150 1FTPW145461(D92299 I 0Pef9nnal 0Apn°laml ITEf1QATION OF AMOUNT FINANCED 51,500.00 1. Cash Price. ...... ..... ....... _................ ................................................. ....5 (1) 2. Dorn Pmymen1 3, 500. 00 Third Perty Rebab Assigned to Seller ............. _.................... .... $ 7 000 00 .............G....... cash odeal Pinmenl.._._._ ............ luA..... _.... LI $-_ a0 '_, TradNn_ f f f Isw ant Melee Gm- All- Amalm Owing 10, 500.00 Team Doer Paymem....:._ ................ ................. ............ --......... ..... It 4 r, Go,. go 12) 3. UnPaid Brallee of Cash Pike (1 bane 2) ................................. n .....5 (3) .. Paid m your bhO (Seller may be rebining a Pon!- of M-e smounte) A. A T. PUmk Official. 20.00 22.50 (il I« r .lee (i s a nn 1. one (f n ), 8 repistralim If 1. fees f ( ) for Mling lees S a _ 3. 17 4 . 35 (m) to, was I- m Cash -.I S S To M -be companies for: N/A Cntln Uss in - (for lean d cantradl .......................__ ..., f N/A Gash DISaMMy esuranda Ibr Is- d womradl......--...... .... s N,'A- (Tenn _ Months)........ .... S - N/A 1 B SMTTN FORD rgignor erT Baahs)....._. .._S-------o- TVOgO MOTOO n is^>ERYSCP-C 3r?rvrr ^^ Tibfar S To for S N,'A __ Ig Igf S.-N"A To for S NY4r To for S -6-619. a.r S. Aseems Financed (3 FEDERAL TRUTH-01-LENDING DISCLOSURES ANNUAL FINANCE Amount Total of Total Sate PERCENTAGE CHANGE Financed Payments Price RATE 1 The gyp, aunt 1 TM sewn a aedl pm.4dr Tna nnb,Ax you N MN Ttr tar spa a you pumlle- Tlw Ibft d Yea aadn as. was" Imo an anal N -- our b.rull pad onion you INVa nectar ,a,edulM rMN, 11mcmg yow 1fY,rS9B"U6' 13.49 21,168.57 45,619.25 66M" ",-28/- m 9rwea. re qe: YA !Rd n..nr.rlr Aeee. a rara.nr onion, wYeam w w ?abM O hapyArlr p Ym mY de Ydw drA aaM. Ywu N M have n FaY a pv,wry. Seser"Y ems.: Yon en fb^B • aacvrAl' basso N en vanitle Orng purthemd. li Feints! Yw rrm pw.sslatlrS.mas P~ dmtllparees r 'rwE bass«.a 10 don. use. TIw aw,a. b eo warw.M a eon aa.mwA,. aat" tee rlPa k m'" rgw leare or we, Ibn~ edae alai swoube date and P.P.yI•.r• Perry. If you do not mast your cpa a?SBMia. you may bee your vehide, as well as loot garN and goods P:. on your-chide and Z:; or goods retched for INSURANCE You ARE REQUIRED 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. CREDIT LIFE, CREDIT DISABILITY AND OTHER OPTIONAL INSURANCE ARE NOT REOWRED TO OBTAIN CREDIT AND WILL NOT BE PROVIDED UNLESS YOU SIGN AND AGREE TO PAY THE PREMIUM. ? You I" in,l *M Payment under ml. contract b a balloon payment. USE AND MILEAGE CHARGES EXCESS WEAR credit Ult, ad C is OIelNiry euurarlw re , 11 tls ism Mnac4ly aboYa I. checked. the sector. Paragraph B, end Paragraph c of d snloraa ss roc Me Nr.1 - deeeaeL The mwa.sse .s rwwh Is . nonke be .pra.mw. Mrs mdrad apply. You may be darned Na aacesrra weer based rpm .a manderne 9was as You bra for normal use. N you t.ercsss aw oM^W u11 IM weeds ss back to Srer under FluAlrspn B. You bass Pay Me Seen, SO. Per mill for Mi ITda In sate- orM 6sr1.1blr wrva AOSmam (0aso•.1f d INIm alwnl m them prleler. II to boa H awrrd you new, Durtlws.o • d.e EXTRA MILEAGE OPTION CREDIT ra,mlmon waiver. wwlrse d yon -.4" u B INS tansrxt constants a haswn payment (as irakcmed above), and Y. revs 10- and aIon -in d Is dbtahl vNl. The daraN UiwAmon raiwr bird """a" eserdsed Ybur Opbat b adl the vehicle to the Seller under Paragraph B, this er IPre 'm Ms -.care AbJ.MUm Mkn b Paragrapb applies b you corglgy) Al tlw Whedsed and of the contract, You aril porasni,,h naaaW.TMpnce la os Oaa thosive a crisplpl $0. 71glnuse0 miss br ma dumber d unused rdbe annlueen weiva s sal bM m Mamnue-in er a Am nt FIn.Iree urde aotlbn A X m lb between ant bases, le- erry emo.gs You . w aa n ou owe under Gds Conlbatl. You we ndt receive any -edt it trs wm,$b ss destroyed, dlis contract ands eery, « you ere in dabi You .0 m1 receive any -adt N the -edit is Ie- Man f1 W. SPI. NON-MODWICATK)N Any aw,pe M eon b-, marl the w wait" w, -sip/ b/yn/wn+arW ur Sera. Buy. X L6,' -a' UV/(/!'X/LfLLV? C. YOU ACKNOWLEDGE THAT YOU HAVE READ AND AGREE TO BE BOUND BY THE ARBITRATION PROVISION ON THE REVERSE SIDE OF THIS CONTRACT. The Annual PwCffft s Rob may be nego9Me1 with the Seller. The Seller may assign this contract and may retain Ra right to recaiYs a portion of the FlnM1c7 Charge. Do not sign this contract In blank. You are entitled to an exact copy of the contract that you sign. Keep it to protect your legal rights. &yYay X Co-a„v. -i - Mgm 81gm . Buyer (and Co-Buyer) acknowledge that (1) beforesigning this contract, Buyer (and Co-Buyer) recalvad and reHewed a true and Completely filled in copy of this contract and (0) at the time of 'i signing this contract, Buyer (and Co-Buyer) received a true and completely, filled M Copy of this contract. X fl? C .rarr_a,..s L'L pay (f/n $ 0 BOTH FORD INC X L)F? ?A Title ell THIS CONTRACT IS NOT VAUD UNTIL YOU AND SELLER SIGN R. ASSIGNMENT era m.y eamr. s+ewAEIRb W@,Dp e,%ff1' weOPI/k1 ,- r a . rem., Prihei ud hweones. ey Wgneq below, M. ' serer -in a Ml. wens[ b 1-Aa.yw.•L It see ?29-?000 INPSIInRJbRaBS'1P?LSAP wens.. wr . r ?w. se r smtf Fan ITC sere w x,?Ld y? Y_e tdmW IPewaeoabeewlydrewal 9EE OTHER aIM Mil ADDITIONM ABNEeuENTs Creft 0 Lib --- _- WA Insurance Company 5 Premiu Insures(.) You want Credit Life Insurance. Buyer Signs CO-Buyer Signs Clow 0 Obablf it Insurance Comparry S WA Premium Insuredls) You wad Credit OissOlity Insurance. Buyer Signs Co-Buyer Signs OTHER OPTIONAL INSURANCE Prawrieurn and then'. mCpnlwm Term in Months /A S WA B WA N/A Y ERVICE CONTRACT $1,390.00 ?FfRD r DM CAM 72 Vou went 1ba oplib el ins.- b, which premium - a k ded ab- Co- rSgm ORIGINAL PLY 1 - ORIGINAL PLY 2 - BUYERS COPY PLY 3 - OOSUYERM,UMUXTOR COPY PLY 4 - SELLERS COPY (NOOTRANSFERABLE) ;w A. 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SEE OTHER SON YON ADOMMAL AGREEMENTS a iwln.wYC innaiw i? "'PRN"' Ford Motor Credit Company P.O. Box 31111 TAMPA, FL 33631-3111 (877) 349-5260 POFYEB00200033 ALLAN D. MARSHALL-RIVER 5308 OXFORD CIR MECHANICSBURG PA 17055 Date of Repossession 01-25-2008 Date of Notice 01-29-2008 Date of Contract 08-10-2006 Account Number: 041244451 Buyer MARIA C. MARSHALL Cobuyer ALLAN D. MARSHALL-RIVER DESCRIPTION OF PROPERTY Year 2006 Make FORD Q New ? Used Vehicle Identification Number: 1FTPW14546KB92299 Model F150 Body 4X4 NOTICE OF OUR PLAN TO SELL PROPERTY We have your property described above because you broke promises in our agreement. x? PRIVATE SALE:. We wdll selllhe_prQpetiy_descritzesL_ ?_PUBLIC SALE M!tw N_seN the Werty _described above at public above at private sale sometime after 15 days from the sale to the highest bidder on the date below (or any adjournment Date of Notice shown above unless redeemed by you date). The sale will be held as follows: prior to such sale. Date of Sale Time of Sale Place of Sale You may attend the sale and bring bidders if you want. The money that we get from the sale (after paying our costs, including reasonable attorney's fees and legal expenses if permitted by law) will reduce the amount you owe. If we get less money than you owe, you will still owe us the difference. If we get more money than you owe, you will get the extra money unless we must pay it to someone else. You can get the property back at any time before we sell it by paying us the full amount you owe (not just the past due payments), including our expenses. 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 under your agreement: 1) The buyer and any cobuyer named above; 2) Any dealer/original creditor named below; 3) If there are other people, they are named on an attachment sent with this notice. NOTICE OF REPOSSESSION The property is presently stored at: MANHEIM AUTO AUCTION 1190 LANCASTER ROAD MANHEIM PA 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 $ 40,103.30 Pkts Costs: Repo Expenses $ 415.00 $ $ Plus Late Charges $ Less Finance Charge Rebate $ Less Insurance Premium Rebate $ TOTAL $ 40,518.30 (Plus expenses incurred if default at the time of repossession exceeded 15 days and less rebate received after the date of this notice.) Your property won't be sold until 15 days after the date of this notice at the EARLIEST. After that you can still get it back any time before irs actually sold. If you do, we II 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/original creditor, the dealer/original creditor is to sell the property and pay you any money left over. If you owe money after the sale, you will pay it to the 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 (01 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 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. EDDIE BOLES FFNA 119W37 Jan 02 Previous editions may NOT be used. CUSTOMER/CUSTOMER FILE Printed m U.S.A. "'PRN"' Ford Motor Credit Company P G. Box 31111 TAMPA, FL 33631-3111 (877) 349-5260 POrYEB00200023 MARIA C. MARSHALL 4304 ALLEN RD CAMPHILL PA 17011-6602 Date of Repossession 01-25-2008 Date of Notice 01-29-2008 Date of Contract 08-10-2006 Account Number: 0412444 it Buyer MARIA C. MARSHALL Cobuyer ALLAN D. MARSHALL-RIVER DESCRIPTION OF PROPERTY Year 2006 Make FORD New ? Used Vehicle Identification Number: 1FTPW14546KB92299 Model F150 Body 4X4 NOTICE OF OUR PLAN TO SELL PROPERTY We have your property described above because you broke promises in our agreement. ?x PRIVATE SALE: We will sell the property described ? PUBLIC SALE: We will sell the property described above at public _ ----------- above at private sale sometime after 16 days from the sale to the highest bidder on the date below (or any adjournment Date of Notice shown above unless redeemed by you date). The sale will be held as follows: prior to such sale. Date of Sale Time of Sale Ptace 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 under your agreement: 1) The buyer and any cobuyer named above; 2) Any dealer/original creditor named below; 3) If there are other people, they are named on an attachment sent with this notice. The property is presently stored at: MANHEIM AUTO AUCTION 1190 LANCASTER ROAD MANHEIM PA 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 $ 40,103.30 Plus Costs: Repo Expenses $ 415.00 $ Plus Late Charges $ Less Finance Charge Rebate $ Less Insurance Premium Rebate $ TOTAL $ 40,518.30 (Plus expenses incurred if default at the time of repossession exceeded 16 days and less rebate received after the date of this notice.) Your property won't be sold until 16 days after the date of this notice at the EARLIEST. After that you can still get it back any time before it's actually sold. If you do, we'll have no further claim on it. 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/original creditor, the dealer/original creditor is to sell the property and pay you any money left over. If you owe money after the sale, you will pay it to the 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 (OI 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 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. EDDIE BOLES FFNA 11988-37 Jan 02 Previous editions may NOT be used. CUSTOMER/CUSTOMER FILE Printed in U S.A. I . -- ? 1 low iuin;aw I - - T' -1 a _ Iwo " Q.om a you o NLI:XZ zol Y oU' OQJchW I r r•i s i ? r it ? ? Ir I ? M1 I.a ?- ru CI ru p o 4 p C] C1 ru _ O 0 ru m o C ff- -0 laa x? ?u} jr ?u s rij 0 M C3 C3 ru C7 m Q C) N z-jv ui co 3:Z glel I ? ma j oxV.Z aa z C,4 < 0 V- "t to W?W 0 m Q ti C] t` Q G C] i r` z W .!4 q 7 . I-- T aWv WT cum, a. Z „ Q NQwCL ?-+ 00 c3 ?t a cn •'y Nqz^o 00 0 to 2 E z C:, lue? atk ? N asks 2 Ir? a.I O? U0111 s I?uo n ru p C O IQ ru M Im r%- C3 ~ z JOM w Ux(9 (p 9 C?°0 oho 0e?50 NaZM0 : °°g O > . 4 Cc m l ? I t Q- -' i x f C3 ., C3 - N 01 m N ~I m a p z • cro ZU QZ TYY? cn C Q< ?Nmm? N , 3:0 0 0 049 z QOO I ? I I I I 1 I 1 I I . 1 I N 0 W ~ Q ico z ?Nw`nz cv?yzw aQq?Cv-i N Q I m 0 o: c 0 c m co z Q I r 7 a f 4 I - aaaa an;a a 8 ; AI JaQ aj7rJ r- )V l O S m r 6u Opuej pedg ! m $ r ! u r4ew! 03 ail tr Er 82 S ti S UO `Q d1JU0 `A -Q ru G7 4 N as a ru lp r{S {ao 0 0 C?? o o a - ? Z Q 8 ; a ft) a ru i ru Q fn _ > rl m C3 m r I r,- r] C) r j t` C C3 C3 c f%- a > 3 a v , T 8 x? rse Jac kI\ x QHbI a a ?f ? II a xa 8?rc? 4 a ri A M lu noon ? ?. O E E , ? G C3 a y it U 6 K000 c t 0 o lm U ! I ? d d O O V o j C) 0 _W I-- CL C O ? C4 - 0 a"'NV n O 0) LO 0 Z zg,.m .0- ?a.Nr ZIL o?cr 0J O U> OWI--V)x cor I Q .? to _j 0) g ! . Z N0 w Z co o ? f ? ?(?CVIt) W N O ? U) rr,00_ aC???z 1 i1118 i jzv~i > ! o?0 M w co ?aKv,a i co ! Cc co m ru ?ir ?r%- S ?ru O Q C3 m IL Q ?m r- O {Q r- f C3 f w r F Q' ! I { M1 I I 1 .n rLi { ru G O ! j 0 Q ? - - - l - •- - - {m ?0 TM I p O M N O Z C` N Q > N h r - W ti x 7pa co ZY 1- 4 0 r jUW c j) v acoo?0 C:, ?tW 0. NMZd co NOLLJV` N Ngop4 N =) I q-- I(0I r`^ N y f?l m? N 00 qx 00 v M e z I?O f ! c0 < (L ? OOC > aQ ? gar?'eZ 31??OUO ?. 2IL NV ?ZQOga¢a r ' a app OCQM g 7 C Q ? Z I fY c O c E Y 9 y a CL t i t r i I r o ? h ? a f Ford Motor Credit Company P O BOX 31111 TAMPA FL 33631-3111 877 3495260 DATE: 2008-04-02 POHH 1 GOOI 00039 ALLAN D. MARSHALL-RIVER 5308 OXFORD CIR MECHANICSBURG PA 17055 MARIA C. MARSHALL 4304 ALLEN RD CAMP HILL PA 17011-6602 STATEMENT OF SALE Account Number: 041244451 The following property has been sold. Year Make Model Vehicle Identification Number: 2006 FORD F150 1FTPW14546KB92299 Balance owing on your contract (1) $ 40,103.30 Deduct: Finance Charge Rebate (2) $ 0.00 Balance less Finance Charge Rebate (1 - 2) (3) $ 40.103.30 Deduct: gross proceeds of the sale (4) $ 20,300.00 Balance less gross proceeds of the sale (3 - 4) (5) $ 19,803.30 Add: Expenses of retaking and storing, and (6) $ 555.30 any attomeys' fees allowed by law, and expenses of reconditioning and selling. (7) $ - 0.00 Deduct: Insurance Premium Rebate (8) $ 680.05 Other: (9) $ 19678.55 Deficiency** (10) N/A $ Surplus* 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 FFNAt 1990 01104 Previous editions may NOT be used. Ford Motor Credit Company P O BOX 31111 TAMPA FL 33631-3111 877 3495260 DATE: 2008-04-02 POHH 1 GO0100038 MARIA C. MARSHALL 4304 ALLEN RD CAMP HILL PA 17011-6602 ALLAN D. MARSHALL-RIVER 5308 OXFORD CIR MECHANICSBURG PA 17055 STATEMENT OF SALE Account Number: 041244451 The following property has been sold. Year Make Model Vehicle Identification Number: 2006 FORD F150 1FTPW14546KB92299 Balance owing on your contract (1) $ 40,103.30 Deduct: Finance Charge Rebate (2) $ 0.00 Balance less Finance Char e Rebate (1 - 2) (3) $ 40,103.30 g Deduct: gross proceeds of the sale (4) $ 20,300.00 d f th l 3 4 B l l (5) $ 19,803.30 ess gross procee s o e sa e ( - ) a ance Add: Expenses of retaking and storing, and (6) $ 555.30 any attorneys' fees allowed by law, and expenses of reconditioning and selling. (7) $ 0.00 Deduct: Insurance Premium Rebate (8) $ 680.05 Other: (9) $ 19678.55 Deficiency** (10) $ N/A Surplus* _ The Surplus/Deficiency will change based on monies received by us (credits) or additional allowed expen ses & 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. LL 77 ' 0 b Co a .' '' SHERIFF'S RETURN - REGULAR CASE NO: 2009-00449 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND FORD MOTOR CREDIT COMPANY VS MARSHALL MARIA C ET AL MICHAEL BARRICK Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon MARSHALL MARIA C the DEFENDANT at 1551:00 HOURS, on the 29th day of January , 2009 at 4304 ALLEN RD CAMP HILL, PA 17011-6602 MARIA C MARSHALL by handing to 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 Sworn and Subscibed to before me this 18.00 12.60 .00 10.00 .00 40.60 day of , So Answers : R. Thomas Kline 01/29/20 MAURICE By: A.D. era C= N SHERIFF'S RETURN - REGULAR CASE NO: 2009-00449 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND FORD MOTOR CREDIT COMPANY VS MARSHALL MARIA C ET AL MICHAEL BARRICK , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon the MARSHALL-RIVER ALLAN D DEFENDANT , at 1551:00 HOURS, on the 29th day of January , 2009 at 4304 ALLEN ROAD CAMP HILL, PA 17011 MARIA C MARSHALL. MOTHER by handing to a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof Additional Comments ALLAN LIVES WITH HIS MOTHER AT 4304 ALLEN RD CAMP HILL. RENTAL OFFICE AT OXFORD CIR NEVER HEARD OF HIM. Sheriff's Costs: Docketing Service Affidavit Surcharge Sworn and Subscibed to before me this So Answers: 6.00 9.00 J .00 10.00 R. Thomas Kline .00 25.00 01/30/2009 MAURICE & NEEDLEMAN By: day D pu y She i f of A. D. Q ?L9 MW rig rn Maria C. Marshall Allan Marshall-Rivera 4304 Allen Rd. Camp Hill, Pa 17011 Maria C. Marshall Allan Marshall-Rivera 4304 Allen Rd. Camp Hill, Pa 17011 Defendants, V. Ford Motor Credit Company, A Delaware Limited Liability Company P. O. Box 6508 Mesa, Az 85216-6508 Plaintiff. Cumberland County Court of Common Pleas Case No. 09-449 Civil Term Answer to AAswex- 1. Accept 2. Accept 3. Defendant, Allan Marshall-Rivera, is an individual who also resides at 4304 Allen Rd. Camp Hill, Pa 17011. 4. Accept 5. Accept 6. Accept ?V? r ? 7. The Defendants did make monthly payments until January 24, 2008, the defendants failed to make payments thereafter due to the repossession date of the vehicle of January 25, 2008. 8. The vehicle was repossessed due to a delinquency of three months, but the plaintiff, Ford Motor Credit Company was aware of the economic hardship and a death in the family situation. The Defendants took the responsibility to contact the Plaintiff to inform them of future payments that will not be able to be made. The Defendant, Allan Marshall-Rivera, and a representative of the Plaintiff had come to a verbal agreement that consisted of a payment date of January 25, 2008, to include all late fees and missed monthly installments. 9. The Defendants did for a fact try to redeem the vehicle, however they were unable to pay the amount requested by the plaintiff of $40,518.30. The Defendants were under the impression that the Plaintiff, Ford Motor Credit Company would comply with the agreement set by both parties. The payment was made on January 23, 2008, but did not reflect the account until January 24, 2008, it was made before the settlement date, it covered all late fees and past due installments to a total of $ 2,712.83. When the Defendants called the Plaintiff, a representative stated that the payment was accepted and the account was current and would resume monthly installments of $927.61. On January 25, 2008 around 4:30 am the Defendants received a visit from a tow truck driver with an order to repossess the vehicle due to a delinquency on the account, after several attempts of dealing with the fact that the account was up to date and not delinquent, the tow truck driver did not comply with the Defendants request, therefore took the property of the Defendant against the will of the vehicle's owner. After several attempts of contacting the Plaintiff s representatives to solve the issue and misunderstanding, the Defendant, Allan Marshall-Rivera, finally got in contact with a representative that was able to help with the issue and the representative stated that there were no notations on the account about the agreement on the date that the past due amount will be paid. The representative of the Plaintiff stated that in order for the Defendants to get the property, they indeed paid for, back, they would have to pay the total sum of $40,518.30. A copy of the bank statement clearly states the payment amount and date. 10. The Defendants did in fact complied with the contract, except for some minor delays on payments, but they took the responsibility to contact the Plaintiff to inform of the financial hardship. Needless to say, as indicated on the date provided for the payment of January 24, 2008 and the date of repossession of January 25, 2008, the account was current and paid for by the Defendants, thereof the Plaintiff has no authority to claim a complaint against the Defendants. A copy of the bank statement and repossession documents will show there day apart difference. 11. The amount the Plaintiff is seeking is $19,678.55. Iv WHEREFORE, The Defendants ask for a pardon of all debt owed and clearance of negative credit reporting due to the lack of communication within the company. The Plaintiff disregarded the attempts made by the Defendants to keep the vehicle and keep the account current. The Plaintiff misinformed the Defendants of the status of their account when payment was received and failed to comply with the verbal agreement set by both parties, and their representatives. Defendants requests judgment in their favor and trust the Court will be fair and just. Honestly and Respectfully submitted, Maria C. Marshall Defendants vera Date: February 24, 2009 . Free Checking -% 0 02 752 30 0 9 73,172 ACHOVIA Other Withdrawals and Service Fees continues Date Amount Description 1/24 100.00 AUTOMATED DEBIT DELL FINANCIAL ONLINE PMT CO. ID. 9500000000 080124 WEB MISC CKF108347461 POS 1/24 125.00 AUTOMATED DEBIT UGI CORPORATION ONLINE PMT CO. ID. 9500000000 080124 WEB MISCOKF108347461 POS 1/24 200.00 COUNTER WITHDRAWAL 1/24 206.67 AUTOMATED DEBIT VERIZON ONLINE PMT CO. ID. 9500000000 080124 WEB MISC CKF108347461 POS 1/24 2,300.00 AUTOMATED DEBIT WACHOVIA MORTG ONLINE PMT CO. ID. 9500000000 080124 WEB MISG-r-Kril 1124 2,712.83 AUTOMATED DEBIT FORD MTR CHGO ONLINE PMT CO. ID. 9500000000 080124 WEB MISC CKF108347461 POS 1/28 500.00 AUTOMATED DEBIT DISCOVER PHONE PAY CO. ID. 6510020270 080128 TEL MISC 601129888023107 1/28 500.00 AUTOMATED DEBIT AMERICAN EXPRESS ELEC REMIT CO. ID. 0005000008 080128 PPD 1/28 600.00 TRANSFER TO BANKCARD SERVICES # 7707 01/25 ONLINE TRNSFR CONFIRMATION # VY84956853 1/29 34.02 AUTOMATED DEBIT PENN AMER WATER ONLINE PMT CO. ID. 9500000000 080129 WEB MISC CKF108347461 POS 1129 115.42 AUTOMATED DEBIT VERIZON ONLINE PMT CO. ID. 9500000000 080129 WEB MISC CKF108347461 POS 1129 1,000.00 AUTOMATED DEBIT WAMU/PVNPAYMENT CREDITCARD CO. ID. 9020118519 080129 PPD 2/01 2,500.00 COUNTER WITHDRAWAL 2104 2,500.00 AUTOMATED DEBIT DISCOVER E-PAYMENT CO. ID. 2510020270080204 WEB - _ - -- - - _ WSC -601129888023107 - - - - - _ - - - - 2/05 2,650.00 AUTOMATED DEBIT WAMU/PVN PAYMT CREDITCARD CO. ID. 9200412181 080205 WEB MISC 204200804547668 2/12 132.35 AUTOMATED DEBIT PP&L ONLINE AMT CO. ID. 9500000000 080212 WEB MISC CKF108347461 POS Other Withdrawals and Service Fees continued on next page. WACHOVIA BANK, N.A., MECHANICSBURG page 2 of 4 Free Checking ` 01 752 30 0 9 73,171 VA' CHOVIA. 00020965 01 AT 0.334 01 3OG 63 MARIA C MARSHALL 4344 ALLEN ROAD Ps CAMP HILL PA 17011 Free Checking 1/17/2008 thru 2/14/2046 a L 0 c a a Checks Number Amo mt Draft Number Amount Date Ali t fie 0127 500.00 1128 0522 1,425.00 2/12 0521 * 500:00 1128 O * indcates a break in dxwk.number sequence Other Withdrawals and Service Fees Dane Amount Dsscr"on 1/22 12.00 MISCELLANEOUS FEE DOMESTIC INCOWNQ WIRETRANSFER 1/23 240.00 WITHDRAWAL MECHANICSBURG 01123 5201 SIMPSON FERR MECHANICSSUR PA 201OW002539 1/24 60.00 AUTOMATED DEBIT PP&L ONLINE PMT CO. ID. 9500000000 060124 WEB MISC CKFIOB947461 POS Other Withd kamfs and Service Fees continued on next page. WACHOVIA BANK, N.A., MECHANICSBURG page I' of 4 MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 Charlene A. Taylor, Esq. Identification No. 85248 93 5 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 Attorneys for Plaintiff ('215) "/Z59--/155 FORD MOTOR CREDIT COMPANY, A DELAWARE LIMITED LIABILITY COMPANY Plaintiff V. MARIA C MARSHALL ALLAN D MARSHALL-RIVER Defendant(s). CUMBERLAND COUNTY COURT OF COMMON PLEAS Case No. 09-449 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. Attorney for Plaintiff Date: February 26, 2009 Respectfully submitted, MAURICE & NEEDLEMAN, P.C. 1 f# VERIFICATION `' ` 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 unworn falsification to authorities. BY: 6 1 Representative of Plaintiff, FORD MOTOR CREDIT COMPANYLLC, A Delaware Limited Liability Company JAN 21 ,r- DATE: MARIA C MARSHALL Our file no. 9118 48063000000041244451 C r? eT m MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 ,,,clharlene A. Taylor, Esq Identification No. 203920 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 Attorneys for Plaintiff (11J) RSy-/1JJ FORD MOTOR CREDIT COMPANY, A DELAWARE LIMITED LIABILITY COMPANY Plaintiff, V. MARIA C MARSHALL AND ALLAN D MARSHALL-RIVER Defendant(s). CUMBERLAND COUNTY COURT OF COMMON PLEAS Case No. 09-449 Civil Term PRAECIPE TO REINSTATE TO THE PROTHONOTARY: Kindly reinstate the attached Complaint originally filed with the Court on 01 /28/2009. MAURICE & NEEDLEMAN, P.C. BY: jene A. Taylor, Esq. Attorney for Plaintiff Date: February 26, 2009 ,?, ? ? ?• ? xa" ? -? ? ? ?' ? ,?, ?? .,:- t? . ? tWJ V ' ' 7'? ? V ?' {'? ? x o ? ? ?.. ? s ..? ? ?? Sheriffs Office of Cumberland County Sheriff Thomas Kline ?tiv0 " of Edward L Schorpp Solicitor Ronny R Anderson Jody S Smith Chief Deputy _ Civil Process Sergeant SHERIFF'S RETURN OF SERVICE 05/04/2009 R. Thomas Kline, Sheriff, who being duly sworn according to law, states that on May 4, 2009 at 0852 hours this Complaint and Notice upon defendant Allan D. Marshall-River is returned not served, complaint is expired. SHERIFF COST: $28.00 May 04, 2009 SO ANSWERS.- R THOMAS KLINE, SHERIFF Docket No. :009-449 Ford Motor credit v Maria Marshall N c? Tr? ?T" zt?.. r' crt -`a = I rn f 7 ,F ..C MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 Charlene A. Taylor, Esq Identification No. 203920 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 Attorneys for Plaintiff (L1J) /25N-71JJ FORD MOTOR CREDIT COMPANY, A DELAWARE LIMITED LIABILITY COMPANY Plaintiff, V. MARIA C MARSHALL AND ALLAN D MARSHALL-RIVER Defendant(s). CUMBERLAND COUNTY COURT OF COMMON PLEAS Case No. 09-449 Civil Term PRAECIPE TO REINSTATE TO THE PROTHONOTARY: Kindly reinstate the attached Complaint originally filed with the Court on 01/28/2009. MAUR BY: P.C. q• Attorney for Plaintiff Date: June 5, 2009 Sheriff s Office of Cumberland County R Thomas Kline d.?°??ta et Cumber, Edward L Schorpp Sheri 44 Solicitor Ronny R Anderson Jody S Smith Chief Deputy OFFICE OFS?<RTF Civil Process Sergeant Ford Motor Credit Company vs. Maria C. Marshall Case Number 2009-449 SHERIFF'S RETURN OF SERVICE 06/23/2009 06:53 PM - Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on June 23, 2009 at 1853 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Allan D. Marshall-River, by making known unto himself personally, defendant at 4304 Allen Road Camp Hill, Cumberland County, Pennsylvania 17011 its contents and at the same time handing to him personally the said true and correct copy of the same. SHERIFF COST: $41.50 June 24, 2009 SO ANSWERS, R THOMAS KLINE, SHERIFF rAvafty eri C- -n N) r= 1 (-n -f- T ?rt? c_n c?* Maria C Marshall Allan D Marshall-Rivera 4304 Allen Rd. Camp Hill, Pa. 17011 Defendants V Ford Motor Credit Company, A Delaware Limited Liability Company P. O. Box 6508 Mesa, Az 85216-6508 Plaintiff Cumberland County Court Of Common Pleas Case No. 09-449 Civil Term To whom it may concern, We the Marshall Family received a letter on behalf of Ford Motor Credit Company's attorneys, stating that we did not submit an answer to the law suit filed against us on their behalf. You Honor the response to the lawsuit was filed at the Cumberland County of Common Pleas in Carlisle, Pa. Ford Motor Credit is jepordizing my family's well being by threating us to take our property and very little assests away. Your Honor the company already repossesed the vehicle when no late payments were due, the account was current and the company did not comply with our agreement about payment plans. It is not our fault that the company took something of high value and sold it for less than half its worth. Your Honor this company was part of a huge bail-out plan from the U.S Government and received billions of dollars in aid. Your Honor I ask that you have a heart and rule in favor of our family. If ruled against us, my family will have no home and no place to live, this money should not be owed by us when they were the ones who failed to comply with our contract. ( I have attached documentation stating when our answer was filed) Respectfully Submitted, QntZ o14J A Maria C. Marshall ars al - era Date: July 3, 2009 Maria C. Marshall Allan Marshall-Rivera 4304 Allen Rd. Camp Hill, Pa 17011 Answer to Maria C. Marshall Allan Marshall-Rivera 4304 Allen Rd. Camp Hill, Pa 17011 Defendants, V. Ford Motor Credit Company, A Delaware Limited Liability Company P. O. Box 6508 Mesa, Az 85216-6508 Plaintiff. Cumberland County Court of Common Pleas Case No. 09-449 Civil Term An,swq_? 1. Accept 2. Accept 3. Defendant, Allan Marshall-Rivera, is an individual who also resides at 4304 Allen Rd. Camp Hill, Pa 17011. 4. Accept 5. Accept 6. Accept ,vA 7. The Defendants did make monthly payments until January 24, 2008, the defendants failed to make payments thereafter due to the repossession date of the vehicle of January 25, 2008. 8. The vehicle was repossessed due to a delinquency of three months, but the plaintiff, Ford Motor Credit Company was aware of the economic hardship and a death in the family situation. The Defendants took the responsibility to contact the Plaintiff to inform them of future payments that will not be able to be made. The Defendant, Allan Marshall-Rivera, and a representative of the Plaintiff had come to a verbal agreement that consisted of a payment date of January 25, 2008, to include all late fees and missed monthly installments. 9. The Defendants did for a fact try to redeem the vehicle, however they were unable to pay the amount requested by the plaintiff of $40,518.30. The Defendants were under the impression that the Plaintiff, Ford Motor Credit Company would comply with the agreement set by both parties. The payment was made on January 23, 2008, but did not reflect the account until January 24, 2008, it was made before the settlement date, it covered all late fees and past due installments to a total of $ 2,712.83. When the Defendants called the Plaintiff, a representative stated that the payment was accepted and the account was current and would resume monthly installments of $927.61.On January 25, 2008 around 4:30 am the Defendants received a visit from a tow truck driver with an order to repossess the vehicle due to a delinquency on the account, after several attempts of dealing with the fact that the account was up to date and not delinquent, the tow truck driver did not comply with the Defendants request, therefore took the property of the Defendant against the will of the vehicle's owner. After several attempts of contacting the Plaintiff's representatives to solve the issue and misunderstanding, the Defendant, Allan Marshall-Rivera, finally got in contact with a representative that was able to help with the issue and the representative stated that there were no notations on the account about the agreement on the date that the past due amount will be paid. The representative of the Plaintiff stated that in order for the Defendants to get the property, they indeed paid for, back, they would have to pay the total sum of $40,518.30. A copy of the bank statement clearly states the payment amount and date. 10. The Defendants did in fact complied with the contract, except for some minor delays on payments, but they took the responsibility to contact the Plaintiff to inform of the financial hardship. Needless to say, as indicated on the date provided for the payment of January 24, 2008 and the date of repossession of January 25, 2008, the account was current and paid for by the Defendants, thereof the Plaintiff has no authority to claim a complaint against the Defendants. A copy of the bank statement and repossession documents will show there day apart difference. I 1. The amount the Plaintiff is seeking is $19,678.55. j WHEREFORE, The Defendants ask for a pardon of all debt owed and clearance of negative credit reporting due to the lack of communication within the company. The Plaintiff disregarded the attempts made by the Defendants to keep the vehicle and keep the account current. The Plaintiff misinformed the Defendants of the status of their account when payment was received and failed to comply with the verbal agreement set by both parties, and their representatives. Defendants requests judgment in their favor and trust the Court will be fair and just. Honestly and Respectfully submitted, Maria C. Marshall Defendants ?kl'Iimrrshall vera Date: February 24, 2009 `ri! f4U I '- Z OF TH 2909 JUL RE,