HomeMy WebLinkAbout09-1894MAURICE & 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 CREDIT COMPANY, A
DELAWARE LIMITED LIABILITY COMPANY
P.O. Box 6508
Mesa, Az 85216-6508
V.
FELICIA L COOPER
460 Sumner Road
Carlisle, Pa 17013
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.
Plaintiff,
Defendant(s).
ARBITRATION MATTER
ASSESSMENT OF DAMAGES
HEARING NOT REQUIRED
Attorneys for Plaintiff
CUMBERLAND COUNTY COURT OF
COMMON PLEAS
Case No. C "'A
C L¦
CIVIL ACTION COMPLAINT
AVISO
Le ban demandado a usted to la corte. Si usted quiere defenderse
de estas demandas expuestas en ias paginas siguientes, usted tiene
veinte (20) dies de plow al partir de la fecha de Is demanda y Is
notificacion. Hace falta asentar una comparencia escrita o en
persona o can un abogado y entregar a la corte en forma escrita sus
defenses o sus objeciones a [as demandas en contra de su persona.
Sea avisado que si usted no se defiende, Is corte tomara medidas y
puede continuar la demanda en contra suya sin previo aviso o
notificacion. Adernas, Is corte puede decidir a favor del demardante
y requiere que usted cumpla con todas las 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 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 PAPA 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.
l0entification No. 74276
,tharlene A. Taylor, Esq.
Identification No. 203920
935 One Penn Center
1617 John F. Kennedy Blvd
Philadelphia, PA 19103
(215) 789-7155
FORD MOTOR CREDIT COMPANY, A
DELAWARE LIMITED LIABILITY
COMPANY
P.O. Box 6508
Mesa, Az 85216-6508
Plaintiff,
V.
FELICIA L COOPER
460 Sumner Road
Carlisle, Pa 17013
Defendant(s).
ARBITRATION MATTER
ASSESSMENT OF DAMAGES
HEARING NOT REQUIRED
Attorneys for Plaintiff
CUMBERLAND COUNTY COURT OF
COMMON PLEAS
Case No. 0 q- / 8 9 V 0--ui-, -
rt..-CIVIL ACTION COMPLAINT
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, Felicia L Cooper, is an individual who resides at 460 Sumner Road
Carlisle, Pa 17013.
3. 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.
4. On or about January 5, 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 $36922.80 at an annual percentage rate of 14.900%, in
order to purchase a certain motor vehicle, 2004 Ford Explorer more particularly described in the
Contract (hereinafter referred to as the "Vehicle"). A copy of the Contract is attached and
marked as Exhibit A.
5. Pursuant to the Contract, Defendant(s) was required to make monthly payments in
the amount of $615.38 for a period of 60 months until the loan was paid in full all as is more
fully set forth in the Contract.
6. Defendant(s) made monthly payments until June 7, 2007, but has failed to make
any further payments thereafter, and are therefore in default of the Contract.
7. 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.
8. 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 $10800.00, however a balance of
$11588.64 is still due and owing, and a notice of the deficiency balance was sent to the
Defendant. See copy of the notice of the deficiency balance attached and marked as Exhibit C.
9. 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.
10. In addition to the foregoing, there is interest due and owing on the deficiency
balance which at this time amounts to $2474.16 and which will continue to accrue.
11. The total amount due and owing at the time of the filing of this complaint is
$14062.80.
WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant(s), in
the amount of $14062.80, well as any additional interest and costs that may accrue and such
other and further relief as this Court may deem equitable and just.
Respectfully submitted,
MA IC & EEDLEMAN, P.C.
CH U. AYLOR, ESQUIRE
Attorney for Plaintiff
Date: March 16, 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:
A. 'AYLOR, ESQUIRE
DATED: March 16, 2009
RETAIL INSTALLMENT SALE CONTRACT
SIMPLE INTEREST FINANCE CHARGE
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Ford Motor Credit Company
P.O. Box 239001
LAS VEGAS, NV 89105-9801
(800) 201-1045
POCGHA003=22
FELICIA L. COOPER
460 SUMNER ROAD
CARLISLE PA 17013
Date of Contract Date of Notice
01-05-2006 08-21.2007
Account Number: 040106027
Buyer. FELICIA L. COOPER
yer:
DESCRIPTION OF VEHICLE
Year
2004 Make model
FORD EXPLR
VeNOW Wentif oatbn Number: 1 FMZU75W64UA78603
Dealers Name
SUNNYVALE AUTOMOTIVE INC. Dealers Phone
408 738-1800
Testers Address
650 EAST EL CAMINO REAL SUNNYVALE CA 94087-
r
NOTICE OF OUR PLAN TO SELL PROPERTY
We have your property described above because
We will sell the you talks some me in our 2 agreernenl.
Property described above a private sale sometkne otter 2 days from the Data of Notice shown above.
The money that we get from the sale (aim paying our coats, including reasonable atiorrleya fees and legal expenses if per MW 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 edra
money, uMess we must pay it to someone else.
You can get the prop" back at any time bafore we sell it by paying us the fug amount you owe. (not )ust the past due payments) including our expenses:
To learn the exact amount you must pay call us at the telephone raxnber above.
If
at the you add a to alb you in writing how we haw: figured the mad around that you owe us, you may cat us at the telephone number above, or write us
request a written explanation.
If you need more information about the sale call us at the telephone number above, or write us at the address above.
We am sending this notice to the folkwirig
and any cdxW W n- above. People who have an Interest In the property described above or who owe money under you agreerneW 1) The
buyer
Any dealer named above: 3) If Owe are other people, they are rsnsd on an attachment am with Oft notice.
You have addtimll110115 under California law, mdudtng the right to additional time for getting the vehicle back. You also may have the night to get the
vehicle back by pe tg lees than the full contract balance. Place read the notice of RIGHTS OF DEFAULTING PARTIES UNDER CALIFORNIA AUTOMOBILE
SALES FINANCE ACT below for a description of these adddorrel rights.
RIGHTS OF DEFAULTING PARTIES UNDER CALIFORNIA AUTOMOBILE SALES FINANCE ACT
YOU ARE IN DEFAULT UNDER YOUR CONTRACT AS FOLLOWS:
x? Overdue payments: ? F? fo obta n or nlainta6l requlrad insurance.
? Other:
Amoxnt
Due
$ 615.38 2007-08-04
$ 615.38 2007-07-04 ? autt eJtmpound: Your vehicle has bean seized by a governmental
$ 615.38 2007-06.04 ty
HOW TO GET YOUR VEHICLE BACK (Send all paymentslcorresporidence to the name and address shown on the letterhead above).
?x You may redeem the vehicle by bftmV the instructions under 'REDEEMING' below.
0 You can restore are contract and pay future mo thly paymevds as they become due by following the instructions under -REINSTATEMENT" below.
? You may not an the debut and mk*ate the contract because:
? The contract had, polar to are above described default, been reinstated once before within ore lest 12 months or twice before during the tern of the contract.
? Dew (Specify):
REINSTATEMENT REDEEMING
To REINSTATE yon Conned you mustdo "U folow" wthkn 20 days bon
the dale of a1j6 notice or before On vehicle N acid, whichever is War.
x? Pay to Color by check or money order ale follow I g amount
Payment(s) Past due $ 21078.49
DefeW cotecft and delkquency charges $ 143.93
Expenses of M"V 00 "Note $ 360.00
Expenses of atakg the vehicle $
TOTAL $ 2,582.42
Ps was Mat may become due or be moored during
Plus the Period m
x? Other(Specft SEE ATTACHED
To REDEEM your vehicle you must do the falowirg wthin_2(L days
from the data of this notice or before the vahide is said, wWdlever is War.
Q Pay to Creditor by check or money aria the following amount
Unpaid contract balam $ 21.096.75
DeNquerlcy and odNOtion doges $ 143.93
Expsree of relaldm9 the vehicle $ 360.0
Expames of storing the vehicle $
Sub-Total $ 22.500.68
Less: Refund of unearned Onance charge $
Unearned Insurance premium $
TOTAL AMOUNT REQUIRED TO
REDEEM THE VEHICLE AS OF
THE DATE OF THIS NOTICE $ 2,500.66
Pks expenses incurred and less rebaba received arm the date of this
notice.
06sr(Specifyr): SEE CHED
for this - -- --• ••--- Y-• a^r....,.- w -&--w" man nx gmrg or mararg of eras n)tce. Upon lwrOon request (you may use the aobsed form
PexPm) Pwufw* served or sea by 01111rtl6sd Or registered mats, return receipt requested, to the name and address referenced in the enclosed form, end
re
and, ceive Id belad, 111e reYl1 111 oft initial redemption and reinstatement periods, we will ordered without further notice for an additional 10 days the redemption period
period described above.
FFNA 119a90et 01 Ravisrs a 111 may NOT be used. Prk*od in U.S.A Page 1 of 2 (See other aide for
importara informell0fl)
NOTICE. YOU MAY BE SUBJECT TO SUIT AND LIABILITY IF THE AMOUNT OBTAINED UPON DISPOSITION OF THE
VEHICLE IS INSUFFICIENT TO PAY THE CONTRACT BALANCE AND ANY OTHER AMOUNTS DUE.
? The law requires your vehicle be held for a 30 day impoundment period. We cannot release the vehicle to you until after days even it
yo ys you redeem or rein
Q Yo r vehicle is in the custody of and will be sold by Creditor. If the vehicle Is redeemed or the contract is reinstated, the vehicle may be reclalmed at:
Manheim Auto Auction ,1190 Lancaster Road, Manhelm PA 17545
? PERSONAL PROPERTY -Any Personal Properly found in our collateral maybe reckimed by you within the next 60 days or, in accordance with st
by contacting this office at the address or phone number on the letterhead above. Thereafter, the personal property shall be discarded accordingty.
Crediitorma have
? may assigned to its qualified intermediary (OI Exchange, LLC) is rignts (hut not its obligations) with respect to the sale of each vehicle
above.
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.
After the vehicle Is sold, you will be sent an accounting regarding the dispositli of On vehicle. You may also personalty serve or send a written
request for an accounting to us, within 1 year of the date of disposition (or aale) of the vehicle. The written request must be personally served at
Ford Motor Credit Company, Will Oahway Oaks Draw. Suite 220, Sacramento, CA 95831
or sent first-class mail, postage prepaid, or certWmd mail, return receipt requested, to us at the name and address shown on the letterhead above.
INSURANCE RIGHTS: If you dont wart to get your properly back, call the insurance company or the dealer/original creditor to make sure that any
insurance has been car"lled. You have a right b get crer6t_for a1 premium w tu>ds
Send all Paymank oonespondence to the name and address shown on the letterhead above.
Upon the disposition of your vehicle, you will be liable for the deficiency balance plus interest at the contract rate, or at The legal rate of Interest
pursuant to Section 3219 the California Civil Code it there is no contract rate of Interest, from date of disposition of your vehicle to the
date of entry of judgment.
ENCLOSURE
Very truly yours,
LORI L. R.
1tw.
Page 2 of 2
FFNA 119M Oct 01 Previous edatom may NOT be used. (see other aide for important infonnatlen) W-1-
Ford Motor Credit Company
P.O.Box 239801
LAS VEGAS, NV 891059801
(800)201.1045
Date: 08-21-2007
FELICIA L. COOPER
460 SUMNER ROAD
CARLISLE PA 17013
Re: Account Number: o4o106o27
Dear FELICIA L COOPER
California law requires that a customer pay a $15 administrative fee to the police department originally
notified of the repossession In order to redeem the vehicle and reinstate the contract. You must pay this
fee directly to the police department prior to vehicle redemption or contract reinstatement.
When you pay the $15 fee to the police department, you must retain the receipt from the police
department and provide to Creditor as proof of payment upon vehicle redemption and contract
reinstatement.
If you have any questions, please call one of our Customer Service Representatives at the number listed
above.
Sincerely,
LORI L. R.
s
DOC aO4-2 SEP 99
460 SUMMER ROAD
CARLISLE PA 17013
U0620/Y06901T0
FR-035715546
7007 -0220--6007, 6577, 0244- - - i-- -
7007 0220 0003 6577, 0253
See Pdvm7 Act StWnNM an
Rcv
Ford Motor Credit Company
PO BOX 239801
LAS VEGAS NV 89105-9801
800 2011045
DATE: 2007-10-10
PMJZ100000062
FELICIA L. COOPER
460 SUMNER ROAD
CARLISLE PA 17013
STATEMENT OF SALE
Account Number: 040106027
The following property has been sold.
Year Make Model Vehicle Identification Number:
2004 FORD EXPLR 1FMZU75W64UA76603
Balance owing on your contract (1) $ 22,140.68
Deduct: Finance Charge Rebate (2) $ 0.00
Balance less Finance Charge Rebate (1 - 2) (3) $ 22.140.68
Deduct: gross proceeds of the sale (4) $ 10,800.00
Balance less gross proceeds of the sale (3 - 4) (5) $ 11,340.68
Add: Expenses of retaking and storing, and (6) $ 578.50
any attorneys' fees allowed by law, and
expenses of reconditioning and selling.
Deduct: Insurance Premium Rebate (7) $ 0.00
Other: (8) $ 330.54
Deficiency** (9) $ 11588.64
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 di fference 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 5508 DEPT 194101
MESA ARIZONA 85216508 P.O. BOX 55000
(800) 732-2264 DETROIT MI 48255-1941
FFNA 11 990 01104 Previous editions may NOT be used,
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Sheriffs Office of Cumberland County
R Thomas Kline ct clu"bc1}4}16 Edward L Schorpp
Sheriff Solicitor
s`
Ronny R Anderson Jody S Smith
Chief Deputy OFF CE Or rrE `"RIFF Civil Process Sergeant
SHERIFF'S RETURN OF SERVICE
03/27/2009 09:30 AM - R. Thomas Kline, Sheriff, who being duly sworn according to law, states that he made a diliger
search and inquiry for the within named defendant to wit: Felicia L. Cooper, but was unable to locate her i-,1
his bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Felicii,
L. Cooper. Per Police department she now lives at Fort Sam Houston, Texas exact address not available.
SHERIFF COST: $37.50
March 31, 2009
SO ANSWERS,
R THOMAS KLINE, SHERIFF
2009-1894
FORD MOTOR CREDIT
VS
FELICIA L. COOPER
R
OF THc PPUT1-MI TARY
2809 APR -2 AM 11 : 00
r_;.'N^YLVA.N
MAURICE & NEEDLEMAN, P.C.
BY: Joann Needleman, Esq.
Identification No. 74276
BY: Charlene Taylor, Esq.
Identification No. 203920
935 One Penn Center
1617 John F. Kennedy Blvd
Philadelphia, PA 19103
(215) 789-7155
Attorneys for Plaintiff
FORD MOTOR CREDIT COMPANY, A
DELAWARE LIMITED LIABILITY
COMPANY
Plaintiff,
v.
FELICIA L COOPER
Defendant(s).
CUMBERLAND COUNTY COURT OF
COMMON PLEAS
Case No. 09-1894 Civil Term
PRAECIPE TO WITHDRAW COMPLAINT
TO THE PROTHONOTARY:
Kindly Withdraw the Complaint originally filed with the Court on 03/25/2009.
MAURICE &
BY:
P.C.
Date: June 2, 2009
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