HomeMy WebLinkAbout09-1725ARBITRATION 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
(215) 789-7155
FORD MOTOR CREDTr COMPANY, A
DELAWARE LIMITED LIABILITY COMPANY
P.O. Box 6508
Mesa, Az 85216-6508
Plaintiff,
V.
NICOLE DESARIO
2308 Ritner Highway
Carlisle, Pa 17015
DAVID DESARIO
2308 Ritner Hwy
Carisle, Pa 17015
NOTICE
You have been =ad in court If you wish to defend
again 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 ad forth against you.
You are warned that if you tail to do so the case
may proceed without you and a judgment may be
entered aping 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.
Defendant(s).
Attorneys for Plaintiff
CUMBERLAND COUNTY COURT OF
COMMON PLEAS
Case No. cq- `!s a V;,C-TE
CIVIL ACTION COMPLAINT
AVISO
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.
Le han demandado a usted en la torte. Si usted quiere defenderse
de estas demandas exputestas en his pagina siguieates, usted tiene
veinte (20) dias de plazo at paRv de Is feeha de Is demands y Is
notification. Hace falta asentar uma comparencia esenta o en
persona o can un abogado y entregar a In torte en forma escrita sus
defenses o sus objeciones a las demaodas en contra de su persona.
Sea avisado que si usted no se de6etde, Is cotte tomara medidas y
puede continuar ha demands en contra suys sin previo aviso o
notification. Adernas, Is torte puede decidir a favor del demandante
y requiere que usted cumpla con Codas lss provisions de esta demands.
Usted puede perder dinero o sus propiedades u otros derechos
importantes Para usted.
LLEVE ESTA DEMANDA A UN ABOGADOEIMEDIATAMENTE.
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
(215) 789-7155
FORD MOTOR CREDIT COMPANY, A
DELAWARE LIMITED LIABILITY
COMPANY
P.O. Box 6508
Mesa, Az 85216-6508
Plaintiff,
V.
NICOLE DESARIO
2308 Ritner Highway
Carlisle, Pa 17015
DAVID DESARIO
2308 Ritner Hwy
Carisle, Pa 17015
Defendant(s).
CUMBERLAND COUNTY COURT OF
COMMON PLEAS
Case No. 0 Of- J 7.?Y ?la..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, Nicole Desario, is an individual who resides at 2308 Ritner Highway
Carlisle, Pa 17015.
3. Defendant, David Desario, is an individual who resides at 2308 Ritner Hwy
Carisle, Pa 17015.
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 6, 2007, 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 $34582.96 at an annual percentage rate of 4.900%, in order
to purchase a certain motor vehicle, 2007 Ford Fusion 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 $466.42 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 22, 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 $15500.00, however a balance of
$10748.76 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 $334.77 and which will continue to accrue.
12. The total amount due and owing at the time of the filing of this complaint is
$11083.53.
WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant(s), in
the amount of $11083.53, 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
, P.C.
CHAkLENE A. TAYLOR, ESQUIRE
Attorney for Plaintiff
Date: March 6, 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:
DATED: March 6, 2009
A. TAYLOR, ESQUIRE
DATE/06A*""
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INUSwt ANY HULUti. THIS C'VNSUMEHL LOIT:
--- - - CONTRACT IS SUBJECT TO ALL CLAIMS AND':-
' - DEFENSES WHICH THE DEBTOR COULD ASSERT'.
IAGAINST THE SELLER OF GOODS OR SERVICES:
'?- ' OBTAINED PURSUANT HERETO OR WITH THE
iPROCEEDS HEREOF. RECOVERY HEREUNDER BY
IT E DEBTOR SHALL NOT EXCEED AMOUNTS PAID
- ?tY THE DEBTOR HEREUNDER'
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THE Itil JRIAAIIJN YOU 51E
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.nntr .,,... !OF THIS CONTRACT. INFORMATION ON THE VAN-
IDOW FORM OVERRIDES ANY CONTRARY PROM-'
r.I4YS IN THE CONTRACT OF SALE.
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READ THIS ARBITRATION PROVISION CAREFULLY AND IN ITS ENTIRETY
ARBITRATION
c 11 A NU >?- AC.'EE ro GIVE ?P
RIGHT TO A TRIAL. YJHETHER 8Y A JUDGE OR JURY
RIGHT TO PARTICIPATE AS A CLASS REPNESENTATWE OR A GLASS MEMBER IN ANY CLASS CLAIM YOU MAY HAVE
AGABi'oI US WHETHER IN COURT GR IN AR-RATRJN
RIGHT 10 APPEAL TO THE DECISION A9 OF ARE AN A ARBITRATOR INaLPt45U1?
OTHTMER RIGHTS THAI ARE AVAILABLE IN A LAWSUIT
IT
"'PRN"'
Ford Motor Credit Company
P.O. Bork 31111
TAMPA, FL 33631-3111
(677)349.5260
POJ44JO0200032
DAVID DESARIO
2308 RITNER HWY
CARISLE PA 17015
Date of Repossession 06042008
Date of Notice
0607-21)08 Date of Contract
06062007
Account Number: 042539527
Buyer NICOLE DESARIO
C r DAVID DESARiO
DESCRIPTION OF PROPERTY
Year
2007 Make
FORD ?Q New
? Used
Vehicle IdeMillcation Number:
3FAHPO8127R202592
Model
FUSION Body
4DR
NOTICE OF OUR PLAN TO SELL PROPERTY
We have your property described above because you broke pranises M our agreernart.
Qx PRIVATE SALE: We wit sal the propaiy deakxbed [J PUBLIC, SALE: We we al the property described above at public
above at private sets sometime, aaer'N days from the sale to the highset bidder on the date below (a any agourrrrwrt
Dale of Notice shown above rates redeemed by you dale). The sate will be held es follows:
Prior to such sale. Date of hills Time of Sak Place of Bak
You may stand the safe and bring Wdders It 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 taw) 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 leam the
exact amount you must pay, call us at the telephone number
above.
If you need more infornation 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/ofigu?al 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 MANHEItt AUTO AUCTION
11 A
MANHEMIPA
HOW TO GET YOUR PROPERTY BACK
To get your property back, pay us Its about by certifled check or
money order before the vehicle is sold.
Unpaid Balance $ 27,138.77
Plus Costs: Repo Erparses $ 200.00
Pkbs Late Charges
Lees Finance Charge Rebate
Less Iraraance Premium Rebate
TOTAL
$ 93.20
$
$ 27,430.05
(Plea eigam ss Incurred It default at the time of repossession exceeded
16 days and fees rebels rsrxkmd alter the date of Its notice.)
Your properly worm be sold urtH 16 days after the date of this notice ud
the EARLIEST. After that you can sell get k back any time before to
actually sold.
If you do, we'l lave no further claim on 1. But the lager you wad, the
more turps (trickedlg repairs) you nsy have to pay.
If you have arty questions about this, please call us.
? The property has been (or will be) retumed to.
(deeledorowit creditor)
Under our agreement with your dealerlbrWal creditor, the deeler/od" creditor is to eel the property and pay you any money left over. If you owe money
situ the sale, you wit pay It to the dealer/or*W creditor.
? PERSONAL PROPERTY: Any personal property found in the vehicle may be recWmed by you within the nod 00 days or, in accordance with slate law, by
Contacting this offioe. Thereafter, to persard property Mid be deposed of acccrdngy.
? Creditor has asigrsd to its qualified intemsdary (QI Exchage, LLC) its rights (but not its obligations) with reaped to the sale of each vehicle listed above
PAYMENTS: Al payments to us must be by certified check or money order.
MILEAGE DISCLOSURE: if you we aware that the mileage reflected on the vehicle's odometer is not seeuaata for any mom. please contact us so that we
can accurate report the vehicle's mileage.
INSURANCE RIGHTS: If you dorft want to get your property back, art is Insurance company or the dealer/oripksl "editor to make sure it* any Insurance
has been wreelled. You have a rWM to got credit for al prauiurt refunds.
EDGE BOLES
FFNA 11980-37 Jan oz Pinious editions may NOT be used. CUSTOMERICUSTOMER FILE
Prided in U.S.A.
"'PRN'-
Ford Motor Crete Company
P.O. Box 31111
TAMPA, FL 33631-3111
(877)349-5260
PGJ41JO0200030
NICOLE DESARIO
2308 RITNER HIGHWAY
CARLISLE PA 17015
Date of Repossession 06-042008
Data of Notice
06-07-2008 Date of Contract
0608-2007
Account Number: 042539527
Buyer NICOLE DESARIO
Cobuyer DAVID DESARIO
DESCRIPTION OF PROPERTY
Year
2007 Make
FORD Q N.
? Used
Vehicle Identification Number
3FAHP08127R202592
Model
FUSION Body
4DR
NOTICE OF OUR PLAN TO SELL PROPERTY
We have yaw property described above because you broke promises in our agreement.
tl?
x? PWYATE SALE: We will set the property described ? Puauc SALE: We will sell Mlle property described shore at public
above at private sale somsYtne altar 15 days from On sale b the hig! bidder an the dale below (or any ad(ournmxnt
Dab of Notice shown above unim redeemed by you date). The ad* will be held ea folova:
prior to such sale. Data of Sale Time of Sale Pleas of $ale
You may attend the sale and brig bidders it you want.
NOTICE OF
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 dealertodginal 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
ti
MAN14EIM PA
NOW TO GET YOUR PROPERTY BACK
To get your property back, pay us this amount by certified check or
money order batare the vehicle a said.
Unpaid Balance $ 27,135.77
Plus Costs: Repo Expenses $ 200.00
Pica Late Charges
Love Finance Charge Rebate
Less Insurance Premium Rebate
TOTAL
S
a 93.28
$ 27,430.05
(Pica sxpareea incurred if defauk al the U. of repossession exceeded
If days and New rebels recanted aaa the dste f this notice.)
You properly wont be soId until 1g days aver On dale of this notice at
the EARLIEST. After thal you can star gal it beck any time before irs
actually sold.
If you do, went have no fuller claim an it. But the larger you wait, the
more costs (kndudkky repairs) you may hoe to Pay.
If you have any questions about this, pleses, call us.
? The property has been (or wig be) returned to:
(dearer/origNW credit)
Under our agreement with your deWrMrfgkrol creditor, the dealer/original creditor a to sell the property and pay you any money left our. If you owe money
after the age, you will pay it to the dealeNonginal creditor.
? PERSONAL PROPERTY: Any personal property found in the vehicle may be reclaimed by you Within the ned 60 days or, in accordance with state law, by
oartacdrg this office. Thereafter, the personal properly shell be disposed of aocordingly.
? Creditor has assigned to its quaggad intermediary (OI ExchoW, LLC) its rights (bid not its oblig itions) with respect to the sale of each vehicle listed above
PAYMENTS: AN paynents to us must be by c&WW check or money order.
MILEAGE DISCLOSURE: M you are aware that the mileage reflected on the vehicle's odwrmftr is not accurate for any reason, pipes contact us so that we
can accurately report the vehicle's mileage.
INSURANCE RIGHTS: If you don t wait to gst your property back, call the insurance company a the deala/origlrad creditor to male sun thst any insurance
ties been cancelled. You have a right to get oredt for all pnmkxn nftsds.
EDDE aOLES
FFNA 11ses37 Jan 02 Pro sus ediamr may NOT b .-d. CUSTOMERICUSTOMER FILE
Pdmed in U.S.A.
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Ford Motor Credit Company
• P O BOX 31111
TAMPA FL 33631-3111
877 3495260
DATE: 2008-07-16
POK2MI00021
DAVID DESARIO
2308 RITNER HWY
CARISLE PA 17015
NICOLE DESARIO
2308 RITNER HIGHWAY
CARLISLE PA 17015
STATEMENT OF SALE
Account Number. 042539527
The following property has been sold.
Year Make Model Vehicle Identification Number:
2007 FORD FUSION 3FAHP08127R202592
Balance owing on your contract (1) $ 27,230.05
Deduct: Finance Charge Rebate (2) $ 0.00
Balance less Finance Charge Rebate (1 - 2) (3) $ 27.230.05
Deduct: gross proceeds of the sale (4) $ 15,500.00
Balance less gross proceeds of the sale (3 - 4) (5) $ 11,730.05
Add: Expenses of retaking and storing, and (6) $ 401.87
any attomeys' fees allowed by law, and
expenses of reconditioning and selling.
(7) $ 0.00
Deduct: Insurance Premium Rebate
(8) $ 1,383.16
Other:
(9) $ _ 10748.76
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
FFNA11990 01/04 Previous editions may NOT be used.
r
Ford Motor Credit Company
P O BOX 31111
TAMPA FL 33631-3111
877 3495260
DATE: 2008-07-16
POKWN1100020
NICOLE DESARIO
2308 RITNER HIGHWAY
CARLISLE PA 17015
Account Number. 042539527
The following property has been sold.
Year Make Model
Vehicle Identification Number.
2007 FORD FUSION 3FAHP08127R202592
Balance owing on your contract (1) $ 27,230.05
Deduct: Finance Charge Rebate (2) $ 0.00
Balance less Finance Charge Rebate (1 - 2) (3) $ 27.230.05
Deduct: gross proceeds of the sale . (4) $ 15,500.00
Balance less gross proceeds of the sale (3 - 4) (5) $ 11,730.05
Add: Expenses of retaking and storing, and (6) $ 401.87
any attomeys' fees allowed by law, and
expenses of reconditioning and selling.
(7) $ 0.00
Deduct: Insurance Premium Rebate
(8) $ 1,383.16
Other:
(9) $ 10748.76
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 6506 DEPT 194101
MESA ARIZONA 85218-6508 P.O. BOX 55000
(800) 732-2264 DETROIT MI 48255-1941
DAVID DESARIO
2308 RITNER HWY
CARISLE PA 17015
STATEMENT OF SALE
FFNA11QW 01104 Previous editions may NOT be used.
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Sheriffs Office of Cumberland County
R Thomas Kline of c1mbpr? Edward L Schorpp
Sheriff C Solicitor
Ronny R Anderson Jody S Smith
Chief Deputy oFPCE OF T4E s"ER'FF Civil Process Sergeant
SHERIFF'S RETURN OF SERVICE
03/24/2009 06:10 PM - Mark Conklin, Deputy Sheriff, who being duly sworn according to law, states that on March 24,
2009 at 1810 hours, he served a true copy of the within Complaint and Notice upon the within named
defendant, to wit: Nicole Desario, by making known unto Nicole Desario personally, at 2308 Ritner
Highway, Carlisle, Cumberland County, Pennsylvania its contents and at the same time handing to her
personally the said true and correct copy of the same.
03/24/2009 06:10 PM - Mark Conklin, Deputy Sheriff, who being duly sworn according to law, states that on March 24,
2009 at 1810 hours, he served a true copy of the within Complaint and Notice upon the within named
defendant, to wit: David Desario, by making known unto Nicole Desario, wife of defendant, at 2308 Ritner
Highway, Carlisle, Cumberland County, Pennsylvania its contents and at the same time handing to her
personally the said true and correct copy of the same.
SHERIFF COST: $48.50
March 25, 2009
SO ANSWERS, .? .601
R THOMAS KLINE, SHERIFF
b6Fu-ty Sheriff
Docket No. 2009-1725
Ford Motor Credit Company v Nicole Desario & David Desario
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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
Attorneys for Plaintiff
FORD MOTOR CREDIT COMPANY, A
DELAWARE LIMITED LIABILITY
COMPANY
Plaintiff
V.
NICOLE DESARIO
DAVID DESARIO
Defendant(s).
CUMBERLAND COUNTY COURT OF
COMMON PLEAS
Case No. 09-1725 Civl 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.
lik
CHARL A. T LOR, ESQ
Attorney for Plaintiff
Date: March 30, 2009
VERIFICATION
I, Gricelda Hernandez , 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.
BY:,,??(?,cJ lr?
Gricelda Hernandez
Representative of Plaintiff,
FORD MOTOR CREDIT COMPANY LL c,
A Delaware Limited Liability Company
DATE: MAR 0 9 2009
NICOLE DESARIO
Our file no. 9489
48063000000042539527
CIF THE PR07, ^"v'CTARY-
2009 MAY I I Pil 3. 08 CUM