HomeMy WebLinkAbout09-5725ARBITRATION MATTER
ASSESSMENT OF DAMAGES
HEARING NOT REQUIRED
MAURICE & NEEDLEMAN, P.C.
BY: Joann Needleman, Esq.
Identification No. 74276
vCharlene A. Taylor, Esq.
Identification No. 203920
935 One Penn Center
1617 John F. Kennedy Blvd
Philadelphia, PA 19103
Attorneys for Plaintiff
/89 /1JJ
FORD MOTOR CREDIT COMPANY, A
DELAWARE LIMITED LIABILITY COMPANY
P.O. Box 6508
Mesa, Az 85216-6508
Plaintiff,
V.
JOHN A FARROW
140 Lancaster Blvd
Mechanicsburg, Pa 17055
Defendant(s).
CUMBERLAND COUNTY COURT OF
COMMON PLEAS
Case No. D4 - 5'7x5 a-w it (er"
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 corte. Si usted quiere defenderse
de estas demandas expuestas en las paginas siguientes, usted tiene
veinte (20) dias 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 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
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.
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.
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.
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) "/2i 9- / 155
FORD MOTOR CREDIT COMPANY, A
DELAWARE LIMITED LIABILITY
COMPANY
P.O. Box 6508
Mesa, Az 85216-6508
Plaintiff,
V.
JOHN A FARROW
140 Lancaster Blvd
Mechanicsburg, Pa 17055
Defendant(s).
CUMBERLAND COUNTY COURT OF
COMMON PLEAS
Case No. Oq- ,5 7a? 3?'-4 -r"A ?
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, John A Farrow, is an individual who resides at 140 Lancaster Blvd
Mechanicsburg, Pa 17055.
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 June 26, 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 $25185.36 at an annual percentage rate of 14.490%, in
order to purchase a certain motor vehicle, 2007 Ford Focus 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 $306.15 for a period of 72 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 November 7, 2009, 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 $7700.00, however a balance of
$7139.23 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 $416.62 and which will continue to accrue.
11. The total amount due and owing at the time of the filing of this complaint is
$7555.85.
WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant(s), in
the amount of $7555.85, 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 subm' ed,
MAURICFr&& ADLE4N, P.C.
TAYLOR, ESQUIRE
Attorney
Date: August 13, 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: August 13, 2009
PENNSYLVANIA SIMPLE INTEREST VEHICLE RETAIL INSTALLMENT CONTRACT DATE
1X00.72:70011 clan' Co Ikww) arse aces Morse IlrrW Cwav ono SCLLE EOnOn I. Fwla..na
a JUL S 2007
JOHN A FARROW L B SMITH FORD INC
t70 BROOK CIRCLE 1100 MARKET ST
MECHANICSBURG PA 170 0 LEMOYNE PA 1701
arww lordcradH.lelit CUMBERLAND
TM (ahq Co-auyw, a em) s rise m as "r-, a'your. IaMla is relmree m as'We,"'YS' a mar' Vou, hrwy eN M rlwaaetl
aIPMq alt os,ercl, You
hlew M mh m crrka. TM eadl pin sa Ylewhh pelaw tt'Casr Rim. 7M cndt Pll?a b .roan Calm aF Teel Saki Prra.' BY
t1eWU[atl A1aaw srhd Afake MbtlN
Yew VaHde rows aiaaon Nwroer
whaA PumnNae
glee Fa
d007 o Pwsah l D AgrcAwal
0 yl
MEY¢ATIM OF AMOUNT FINANCED INSURANCE
t. Cos Price __-.._._._....._...___.?......._._........___.._.._._.
2 Down Paylrrat
7aNd Pmly Rebate Aaslaed to BNB........ _..... _ .............__ i--gam YOU ARE REQUIRED TO INSURE THE
VFDICLE YOU MAY OBTAIN VEHICLE .
gTNSURANCE FROM A PERSON OF
YOUR CHOICE.
Coll Mbwn Paymmn......... _._..._..._.._...__.._..._..._.._..._.__.__i W
Tadaln_ S
in
A
a o LIABIITY INSURANCE COVERAGE
FOR BODILY INJURY AND PROPERTY
T
w
nwa
Yes, aro Make Cress AI
g
Toad Down Payraaal....._........
3. UryYd Ba ancs of Cash Price (I minus 2) ........ _..... ..._.._._..S y
,ug 4. Amavaa paid on Your b~ (Salver airy b ralelrnrq • P~ in three em
To Plana OaalW
(1) la license (S ?? ISIS .+ S
50
r""- (i--?o`I: bTF i-=.8.50
(i1 or Mho fao i
5 DAMAGE CAUSED TO OTHERS IS NO
0INCLUDED.
CJCREDR LIFE, CREDIT DISABILITY AND
OTHER OPTIONAL INSURANCE ARE
NOT REQUIRED TO OBTAIN CREDIT
AND WILL NOT BE PROVIDED UNLESS
YOU SIGN AND AGREE TO PAY THE
PREMkNA.
1
(I) for cos IM M Cash Price) S --an. to 92
To aevance Companies far: it
[21
1te
Credit Las Insurance (la tent
S
CrMk Olabllay trru .nce ! a ten of cWVacO .
l Canpanl'
S
._..._...._....
(Term _ Morshc).____,i Pmraum Insmed(6)
ITam Momlw)..._.._-S -- M
i You wars Credit Lit. Irtwmnce.
3
To--E_1B--BBCtlMEifT-i'EE
B R? 0
To
---p
for S -.R
To Buyer Signs
_
far f
To
__
U. f
To Co-Ouyer Signs
_
Total ._._._........ _....... ...................... __........... _._..._..._..... i---r.
S. Amours Financed (g plus
Credit
? Credit Disability-
-
-
inaWki
CwWany
FEDERAL TRUTH 4N-LENOING D ISCLOSURES $
ANNUAL FINANCE Amount Total of Total Ssb PreltaumnInsured(s)
PERCENTAGE CHARGE Financed Payments Price You warn Credit D"Itfity Insunmos.
RATE
the met f ycn'
The yer ahhmmt
Ire o sews raw wmaa a
craay ?,d ,
ou a
a The arse
you wN Iwm
pea when you The mm osa
a your pwdwse
crash,
a
creditu eyewN hw ran you y
YW b~ awes rhww all
eamsMe
oaf rses yea
eawpaYnwnl
a s Buyer Signs
$ C.A"r Signs
Year m 9a a ale Or. OTHER OPTIONAL afaURANCE
o
a.
Nuswa m rarnharha 41 a n.rr non WMn Paynhalr w
?ilaleh ? eaNAm I7Amypy Cawrape Intl Premium and
I ? Tram in MAOrMS
i
$
By _N
Pnpaymam: II'rou pay al your raq esrN, you wch M nave m oaY a wnwry. - S
6amrsy ararwm You are Bhana a samnry aawR h eve vases s" raaoneaea '?BROICE"?7lRAC1r_g 0
a?Yy. hP.a. ThwLmuoe is w mewow?i° a «rn par"es" rewiwu hnora owe to By---- Oa£3-?
fonaast Rea w Nle mmM ar wadawwl hlamafbn a raoaaV inbraa. mmaymenl, You w aw opimwl kwurwre ar which
ysaW. Ire ripe to -ul, wpaYreanh a your you h lull pit Iro amasAed dasa, ehd al
mi n yltlutls0
prapaPem as,
fr
\
It you tlo not mot your comrad obigedons, you may bsa your verstle, as wall m IT
as bdh parts Intl goods put on your vehltle Intl many Or goods recehved for Buyer SNPw
your vehicle.
BALLOON CONTRACT PROVISIONS
Co-BUyer Signs
? Yaur test InmaMnreha paymsM unoer lac oonoatl is a baaoa+ payment. cram Las ad Crss. IXrosy xwaenea w
EXCESS WEAR USE AND MILEAGE CHARGES ter . a,m a . aarmw.L T s ewaaa ahd
if ma boa "I"'Ry above is ceowd, kk8 sec"" Paragraph B. and Paragraph C of aevrapN w crow a • Mica a apeeWrn
thsa contract apply. You may be charged for ascexive wear ball upon our standards eimn as you essay.
If you ezerow Me colon m aH M wnrcle heck m Seder under
for -1 -
.
:
,.
Pixaaraph e,!moat pay lice Beim S0. Pm mile la each mica in souses ? IYeee c.hreenwrhh wNyw AaamdW It>amaN)
R
of has shown On ne odometer
sh av A dlecks l you ran Pawwol a d"
EXTRA WLEME OPTION CREDfr canmaason wawa. - a . mania .
. this mraracl coneim a bark- payment Ias indicated above). Intl you eye ?„rwanammbwaNr yam yrryyem wy,.,
axerdasd your Opion to see ee eehme to ties Seam wider paragraph B, ins am f sn has Gescred Adtlwwan wtadr o sh, paragraph eppiW m your eanrad. AI the adl du*d end tl tea cunbaLT. You will amhWraRday.csmwd.Th akabroaam
mcNve a orWl d S0. par Lnusec maa for to n..l umwaed mew caaaYionwww:sm Nrmm.oonycl in ob
be1PeW errs dX??vek? moue, saw any anwuae YW a°nlun°n of Mrwhnr Fvwotl aAer exEm 4.
dal rdw thla conlrsf. YW will ntl X X le NMde b 06500yad, this
mrepol ands eady, or you are in defaun. You wa M racANe any cradt X the Cmdt is auYer
Nee men SI V0. eipns
NON-MODIFICATION DISCLOSURE
My dbnaeh trod ham b h wril am sows by You and aw Imam.
euyar Coeaye X
Sans Spans
YOU ACKNOWLEDGE THAT YOU HAVE READ AND AGREE TO BE BOUND BY THE ARBITRATION PROVISION ON
THE REVERSE SIDE OF THIS CONTRACT.
The Annud Percentage Rah may be nagaUIW w M Ste SMbr. Tha Salter may assign this t»mreCt and may Real.
Rs dom to receive a portion of the Flue. Charge.
NOTICE TO BUYER
Do not sign this contract in blank. You are entitled to an exact copy of the contract that you sign.
Keep It to M et your legal rights.
aay.r X \ ?? aoarry.r -X
man. lams
Buyer (and Co-Buyer) acknowledge gist (1) before slanina this convect, Buyer (and Co-Buyer)
received end revkawred a true and completely filled In copy of this contract and (11) et the time of
signing this Contract, Buyer (and Co-Nuyer) received a true and completely filled In copy of this
contract.
eve. X ? - X
sw- // /
aver ev X TIM ('V?
THIS CO NTL YOU AND SELLER BIG& IT.
ASSIGNMENT
8mW wq bamsar mY aanreet a aWMr parson Tara Parson MM1 son hares MI imtYe ralY.'plraeaw. Ira ?wwwahw. N ehPIM Mesa, roe
laIsar.w gm Me eamrst a TAesrPwe9'
To Wheel AYlsww Wag psi Ian all I,AWk err .slaw a
FORM-131s. COR,
,?. non w r.i SEE OTNE. SIDE r0R AnOlmpNt
R rfera ru ?rp?m
ORIGINAL
PLY t - OBIGNU PLY 2 - BUYERS COPY PLY 3 - 004MRFGUARANTOR COPY PLY 4 - SELLERS COPY 1NOWTRANSFE LE)
ANAL AGpFEMENT$
A. PftHe And 3a MMY NonO: Yw -1 mats. M pay-
manr I. V.S. nude ~ MAY en due Y may prp" your
debt at. W "' "ah" Par"-Thar • FMnpr hrnr Mn1raA.
TpaNnaa pe1MnN_ TIU?AdW bmrlC. Charge may almaad IM
tern Mon
deAa.d FNWne ClrrN. You MMF = =
M iymmem, red eppMd Crw b emEdulahl data. In ki, P IM warm ad ant upNd Parr d w
FMralna Cher" and Men IS M wow Amoum FwmF6 Th.
FMna Ch rga rernq by aMdYbqtarM Annual PoCauEg.
MrgMuro Fi FWaMlrlMd wa oWFMmu M MWMM wtnhe
rM-I -
.,PAW Amount Mir IIMv IS
r yw Wa rcn Im ne rghr 1. to Mir- M Maenad ml•a
son
M Srdr apnea.
B. EanooN PFynlNrl CoaMOr: n Ywr teN MWA?nero pay-I
urdr aw peens r • MHam Wynem Y W4.%d m M 1-t
d M cmltKl, you may Na dw M I- MwWwad Payment ?n
FR*. You my Pay N wl YW MEN Wrn I"'WWI'immaned
payment a dug and cone; Ywr mob, YNMCI..
IbUf yw may a4 M YehidP b M BaiMr btu M amaNl earl
b M rr Mrlnnorv PeMaara. Vw mM pry b The 9NW any
our arrnoua ovrAd under thr caaAm. AIrwIU Yw two W M
w?id4ra oManwww owoMami n?w? dads mP•?.rb.
M r•wA d a•a•. wwr ray ua. as w11aT Beane. Yw mnr
ran M ,Nmm W . data .Mated by ME S.Art M irpaodoN
m rM wn IS days pike b M Ml b1eMMMIY p.PN.ro day
data AIM, the IMD.dWL ==I* 001 Ii. "NOR to the
Seller, V. mint dro w Sollor m,ter than w
Mal MNldbneh psyrrnam due dent. N Met ant, Yw Read 00
yyM M SOW a tweewNArahewaro Anna It-mMM sme.
1n warded rp own.MW ro M SaIW «a pn.m a•raed by
M SWINE. AAe w Impaabn, 4 Yeu decHde W b eeN veMda
Sant, you may imnedrtay mnlul M Saner .ray Wloml
b the
IM 6.Ier vmNher yw way to roanancA w INI Wsbemanl
pamnem,
darnaeed a baYgWd, ywdeNm PaY IM fWb?lnr ?tlll
You apse MI M SMir eel mdM a .Wm u br Rye WauSNa
POW' YOV aNrare,M'N•uaRe oeepanY pw
any fHamalbn INder baV?ea rya b mean • eras. You
N ,re mMi VrvnAr de r e dM a Rw bwMeee. 11 M a denrpa Reftl day
. w
I" B 00 o, Yehkr N Y.
Ip w vehk/. r aMW.rsd A IS • b" ay los4 Y. met uie M pwW
• pr•eeede b Pay wIW you W. IM BaiMr. pay Walrrde
I paY nM w Ann. yw mar paY n,hal r alit
vahkn dall
0. Returned weem nea PI.nMen. ant B.rr• C.mMal
Charm : ftMo uarn cl mey. rater..Y rill. I- Y+. B•=I•;
SEE
can cmYads, « We.
shiner IMa mNeFCIS ant uma. proltlbHan
n A•m, Manatee
by law, yams.. Mein N abrb mbW. d m•emed h.%.
,.*M PNR you MRS. N Mat Bent Bete A relual m W..O-.
-0, 0pmnpy or ones corwRb. M BNa *..bud 4 hem
wpNe you Bye. One... anowas owed "A" P" Mdmc1 an
p.W, any relrrnnap ,ot mr MI M paid b yw.
H. DNaaH: Yw will be in det&A R.
1 Yw an not nnNe • pMm EI .Then a r due: a
2.'Yw paym h6so b, inklo¦dap Fdd-her". m YPa anal
AP-,.Ng w mw ruined; a
3. you r•nRr Y Nr•d q erV, ran, a were,
a.Aho:lny ant h nN p?m,Nly ray urcona .w rNanad
a. Y M A bondbut Y PeMlon a IMP N Mad age" you; in
S. Yw de W MeP she Qthe aaNN M MM ---.
A yar'dNwa1, SNW cM NacM B•Mh dprr Ends, .1. do-
vadMd BsbFS aher rpMe urgn ms rw.
1. AapeaaaaNm: N you daaW. M SaW may npaF yw to
pay N pane th1 WPFW A:nauM FArme6 w wnatl ant r.tINW
mrM01 SelNr mermryry roP?eM( db rMl MnMda, lopes. eCM
tma W W W Of mrM VeNah Wrn repaaaataM
may are tent he yw
Md hoW win he _
J. Your Awd To REdrn: I the valid. N taken WCM. SPEW
pu a nose. TM rlptlaMe .ay IhM you , y mde.m
Q wYM1CIa'Ma wul oaWFAHp«ro:wa•:.M vNVde.
nbaemw v.NCM up bM tlrre M SaintNN i «
in she a. 11 you de rot rWNm M vahbr. A wit M sdd
N. NapeaNm d Minor VMkr• It me wlHCr hi bi
And feed. M n my'Man IM 1AW, w a albWed APPMNs. Will
be mod b WY M anent ant aa.d M The wra.a. Aoowad
ealenaa Wiuds 1MN POW u • Bred may N bHrp ro WMe
M vrVd., hold k pepare a W .aide, and EP. a. R•aamAli.
t.wy«'• teN am ooal• w o.owod. W. N re r my
rNmay INS a Inrrplm). II will b MM b ypu N w M moMY loin
M deer is ml equal to Pay am MEN cor4mi and Cori. You yM1
pay what W .01 -W W the S.11.1 Of YM 0- ME PAY - ARK N
MA Say., am, M See. 11" 01.19. Y. --..I ..lI A! ma
highest lwiIi We we Y. MAY.
bi payment under, mis
11 yew INt Ws
C. WmeBa I L. C•IWO. Ceeb: E..W AN oMlwre prM WFd by rw yea
y
NA
mnbace r a aeoM payMd and You as M whW. banA to
Enladng Bl. aMh al,
mint pay AM and N M p. reload to
M Seen says Ponmon B, you ern eapor"Is fa r.aln d bdWln9 ,ydre?lon sap imes. II new ant ON. 1.90
M darM9. W M whRr IIW an Nd the rEull d --W wear asp•n•.a •'.•. t .
era = TMaa mpalr 41grd.. but .1. not Ilmpad b. mae
no.Nay W
'. K Cm== Re: Vw aumorka M AmpnM rlan m M
lR M9l arty Mrs W pat d A mebNM .•1 d bur or any W Ira. d Wr erode We hen 0m-
wN.h has ra Hon All Wch of r maYip bald:
(M) npalr an MdWaca ONeeo; aurMr npoprg •p•n.ra (.MR baaaral la ant -sin, arW at
My Mina W cd*~kn Win MIS cumr.d.
(e) repab a raprP. Y comes. scraldled, 11 1 . r a .
mWnMdMp body parer. imbi a vahid. W.rWkatbn Name,
K 11Ppe..bl. LM: Yw spa. wl alY aMrsrl wM M powmad
an der" schuched, ma d. dead, braMM « m mill Wm M Hie rwa d M err d PwvrryNad?
am pay area aH awabheLL arA•d. Mead « b:oaM gla-
NI IrAN wMrtlow madleeme: M brMan « Iaand out ":
O. Gami T1Ya eo,&SnE oaerns the arare ageaeWnl bNeme"
ant erelnaaa maaecearr; W Inlarlar "P., '-m . and yw rrteq b V a.r and rMn 9 d w eel.
Yam area.; ant NI dMrga unbent ryW be --w by wMde. 11 arty pal ot Md1 MrwAm a W vai AS other par stay
N"W a oaripmeertems $hda ¦ma rrhe#., a not NCri wad. II Sees dwel'I .1- Sash ngfm ormi *.. Bear
fr in
WaurarbaW= Mn•M anbrr. trmlran. SWErw NmMmINroISoW%a4hr
n yw hM I«e nmpeeeon N w wNda In a W.M w.Y.
V=
"You Paq not B. You, wi tea the al dew par d tai N M rte MuWMnam WYmaH ante bhr mnbNt Ie A bar- J
In ilk eepaWlY
rtl b d EIICMnpa
l
eA hN atll
A
t
'
^'
yM Nr d M
.MW., - H M mpFh Er• W med. P.W b
rwhlaa e S.M. yw tlWp.. with tin nllnwm Come d
H
b th .
p
D
paymen
,
w
H AsspnN't OIImIOd i iamESIN. y. As Hallo lea W Ml
w rpMr made at Year Aa- Prig to
mpab, yw
may haw
yen sm. III the wNdo b w Seas. oal9alam) with raped b the F-hime and NEW A "a rankle,
O. Pa-M, aware,. Yw dew an, Saa a -ly WIa•N in:
t. 7M vehiela win r1 win «oAw pmde wt m M veryda:
2 AI money a goon neool.wd btu w wNd.: antl
3. Ai IN An- -.W- and alvke comrade ansmld la
vw
TAM NCVnth Hayman:NCmome Yw eve ur.* mrwea.
11 ere .-m. ywr other egraanMb a IhiE Caeraa.
E. yea N V•Nae - wammri Yw mWt ra. hero a w
van cle anal obay WE news W uaip A Yw ME" W sell a rem M
weld.. and You nnral imp h naa Iron w claims d ahem. yw
wP W are or pamll Me uN a w v.NCb -we A M UNION
S W, eaeepl der W W M day In Cnrde « Meaim, WIMA
IM - wrMn a,raem d w Sallar. N Ree V hkb r he a type
rrrw.1, Mead btu passed - and the so.. .r w wN-
cle'. R enalwlep r. w4Mnda . WrIIM armanly a a.rvWE
.onlmN PomrYq MEN VW*lo wllhle M dM been M der d
fhb towed, You EM IInglM rreIYNNW d -hMrb4NY
and HIS M A polfr W WlPOea oovwI M vaned..
oerawte., You undererM rind .9- Ilrai Mem am no each
Imprd wrramre. aPayt a dherwra prvvWad eY rw.
F. V.AICr l eW ; yw mull IMure Ed V.hbr yawl IME
or damy Iron oalNW., Rm or (hell. Yw mue n.rrW SaNa u
M Mae:ZES uft IM in•umnce MARY. TM Saler rmrd
FTC NOTICES
NOTICE - ANY MOLDER OF THIS CONSUMER CREDIT
CONTRACT IS SUBJECT TO ALL CLA*n AND
DEFAMES WHICH THE DEBTOR COULD ASSERT
AGAINST THE SELLER OF GOODS OR SERVICES
OBTAINED PURSUANT HERETO OR WITH THE
PROCEEDS HEREOF. RECOVERY HEREUNOER By
7He DEBTOR BHALL NOT EXCEED AMOUNTS PAID
BY THE DEBTOR HEREUNDER.'
UMd Malor Vehicle BuYem 6MIdo. I yw ors IaiY(rlp a
Vied velMde w411 mat wrlbaa, Iedayal rogWAHate may
(Ppplr. a ipwWI Buyer Ouldo to be dkployed m the
.kxlow of aW "hide. THE INFORMATION YOU BEE ON
THE WINDOW FORM FOR THEN VEHICLE IS PAM OF
THIS CONTRACT. INFORMATION ON THE WINDOW
FORM OVERIEOES ANY CONTRMY.PROVISIONS N
THE CONTRACT OF SALE.
TrFa the aPdy M eeCA.a.d IM PaaeNrem a gn uM m
wle,w «
tlNl e••a. yw Iaararl we ner seen eArMr•t any.
wAwewN heIM N der Ca,Ar.el say •ren•. dMMr, r .says
Ankh Ywmry hew y11aN MS.eeamwR.eMw•f w slier.
GUARANTY
To MuH M Shirr ro win the. wNaa d.aalbed m M Mom d 1M mNrA b ma (hryar m cMa, sad: panm wM Pip, Iraiow'N a
'Q.X• r pwarmAnIpaprIlIa.t M pabwam der Ca ma et TN. meats MI 4 w Bu/ar Wa SEE he voll to UM a
Ybapuay0.abrywmApM.Waam N wneo m der mMnd. , the when Ie?mllm OwadIN a err or Rep. oI=paKOrM MP mpna NN OuM«My. ENh-Gwnan a art epee to M NOW Mann he
.Mee doe Ma a men d M Ic.,d N pNaa w Syr mar IMriP r pay ma a mom payMnr, a le) 9^raa -.--a- in ate a
Of ? MfA yra01 anW N aGWrMN:aor. draaa mnaay. Eats 6rNraMOr art Wlea mY ha hN raMd eomplNed oopy
Guw.dm N Nr A Wm.
Guaraaor Adum.
READ THIS ARBITRATION PRO jlOhl CAREFTRI.Y AND IN RS ENTRETYl is
ARBRMTION .^'
ArbibNWl A ? Named d ,=V .rV ,l m, erpule. a a (aA.ethWy. a •Oaimy wieraet liip a Iayy.W in =red V.
a 9Wr ILa' a'yra'1 e.aL G'PIN1?1 NY droMa ri Yn arr. aide ¦SM A -- E N•d. W hM Ann CYAn rwred b IIAa
oawM.l detldedby Ala 10m. Suet i =bwl. nWMNad b the I)GMmaln ranlmd, bll,rgWfayaawmr.;
P) GamN?rtngpl¦/10a1p M 1111eIprelWon, scow, a vaiJM d deb dRr, a aMUa IAy d any keen: 3) CamngNN bmwaen ypu Mtl ua.
brraWm a ray WMaWnk. acludinp hl PER M dnalrNr o Ant audlWrrl hp wB1 ONO WdM
ql, MNa oomld. =1
wM de nth alpn he .
RIONy9Y0a00uU AND WI AGREE74SJYE_YP JYOGE OR you RY M loiowinp rlpMe:
WGNT TO A TIW1 W/fT 1 BY A JDM b waive .i UNAiI C. I•.',
fO1R TO PANTIDIW ABACLAEB REMESEKTATR'E OR A CLASS MEMBER N ANY CLASS Cb.VV?NAYE
AGAINST W WHETHER N Ca 011 N ARor"" H
BROAD RIGHTS TO dfCOVERY AS ARE AVJ. N A LAWSUIT
MOM TO APPEAL THE OECMION OF AN ARNIRATOR
• OTMFA FOMM THAT ARE AVAAAELE N A LAWSUIT
Cr wauMlp
. M • •Yn r arber•ran, yw dew x111 IdloeyrWNa. Wamn
1 pre u b.1ry 11 RWIa m Ir bndtnpkywayIn evert PI Rlphl wmilarW=- malSar dAfl oafhEarmipn: w whkW
vdlmlrr by rapoN.adM a Rlouyl ¦ caul a Lw 3) RqN Id Wi Ng.l ACMn B am. am. the Mon and q raaE m
regMN ant a CDlul d W mew wnaMr M aMWa aweadN M Wpl4dly.,
Elthr Poly may oanlacl ant of w aaEeertl«r fisted bPlnw aW.M oYlr Parry V OW a it allun. The Applkeble mine (M'Rdes')
may M ob1.II1W Rom ME Noxwoki r, ..
AmafCM Mb'aalion A-daNn ('AK). *1d00i,778.7979, a r ayeauk «D
w? paY =11$125, aPeldhem fees teed ager:aa IW IrcbdYp aeomry MN. exeed Wade may aRrwMa 1
a If= Wa wE pay IM wI1PIA Nfp IN a the dem¦Im ¦rb4rBbh firl. Any Dolfion of Uia It" dA1m eMl la wa mJebB:
ShIM be eased. and the rarnAYYrB plpyrWla Mao be MbnAd. _
K;M, V Igor w un- aaNn., w hem s ere 1 BEE OTHER SIDE FOR ADCRIONAL AGREEMENTS
tut rpr9ewG tIpTRCO
i
"'PRN"'
Ford Motor Credit Company
P.O. Box 17948
GREENVILLE, SC 2WM8948
(877) 805-7187
POONTBW200048
JOHN A. FARROW
140 LANCASTER BLVD
MECHANICSBURG PA 17055
Date of Repossession 01405-2009
Date of Notice
01-07-2009 Date of Contract
06-26-2007
Account Number: 042666280
Buyer JOHN A. FARROW
Cobuyer
DESCRIPTION OF PROPERTY
Year
2007 Make
FORD Q New
? Used
Vehicle Identification Number:
1FAFP34N37W287537
Model
FOCUS Body
4DR
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 pudic
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 PI ace 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.
NOTICE OF REPOSSESSION
The property is presently stored at: Manheim Auto Auction 1190
Lancaster Road Manheim PA
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.
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 solo.
Unpaid Balance $ 14,576.86
Plus Costs: Repo Expenses $ 370.00
Plus Late Charges
Less Finance Charge Rebate
Less Insurance Premium Rebate
TOTAL
$ 24.52
$ 14,971.38
(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 dealerloriginal 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.
CAROLYN L. CASSICK
FFNA 1198&37 Jan 02 Preylous edalo's may NOT be used. CUSTOMERICUSTOMER FILE
Printed in U.S.A
? Q
4 ?
Y? ? V
Q'
g ap sp p
$
?
?
N ! 8 `Q' O p
N O O O
Bg
?Le a d M
N tV
N CV
N
N N
M N
N
co co
N
d
ON oo
N oo
M OO
N cs p
N
N
t? Yj 4
e'
??pp
10 rD M
i0 c07
co b
?
M m
.
- W
?
A O
e-
O N •?-
fD N
4D
O
D r'
OD O
T
g d
?f Q
g
g$ ti ti
0}>4
3 K N
Sy '`° r O
S
?Q r
$ a O
$
LU N ?Q
ad
W^
d U
;.JWQ
W=a
LLt7F -Dg
W m
w _
-
OOHJO
92W 8
OV1Z
-LUw?
AS
?OC7 O
K1OZZ
OmZ?
m hQ,
Cc&
?-O
OZ Z
-WQ?
Q
O
°DR'W?
Hm
a?N
?
?
_
C-4 0a (
cMQyna e°v ?? $xzzw tw? _
c4iY yy ?muiw g
UU
x o zg
°L ,
oQZ
t?i?u?i S2g ? °o Um
°DUwx ors =
5
w0
H Odz
00
F-Z?
U
W °'?
>. D O F-ZWU
zx w
OOtiw W
Z
QNS J
Jr J
(Am"' rV2
y{
m ZM40
OOvw
0
H 0020
O`7? 0
OUrco U)
SU:?
O ? ? J
5??0
S3wim r!
Sco
O
O
un
p rl-
-0
p S
N
p rR
to
O O
S
R1 Jl
C
0" m
ra
0" O
ru
Ir
r, r- N N N N N
C3
so
0 p
go
0 O
cc
0 G
co
0 O
co
0 O
cc
0 O
CO
o O
do
a
"a
?o o o a o 0 0 o d
.O
H 0 0
ri
° 0
r-l
o 0
A
0 0
a 0
r R
° o
r a
p C7
r-4
°
?p
E
v $ o0 0 p o C3 c 0 o
Wf o
? 0
s 0 0
z 0
s 4
s 0
y 0 0 0 0 0 0 O
? ?o c
C4 o
C3 cr
ir
cr
cr
it
it
co-
?
l
$
e4 co
? eh J a
N r1
N A
ti A
? ? rA
ti rl
N r
N g?
.t v a
OSOZ0Q000'COOOh9006TL
T
Mar-20-2009 11:17 AM Ford 8775884190
Ford Motor Credit Company
Greenville Business Center
P.O. Box 17948
Greensville, SC 29606
877-805-7187
DATE: March 19, 2009
5OHN A. FARROW
140 LANCASTER BLVD
MECHANICSBURG, PA 17055
STATEMENT OF SALE
Account Number. 042666280
The following property has been sold:
Year.
2007
Make: Model: Vehicle Identification Number:
FORD FOCUS iFAFP34N37W287537
Gross balance owing on your contract (1) $ 14,601.38
Deduct: Finance Charge Rebate (2) $ 0.00
Balance owing prior to sale (3) $ 14,601.38
Deduct: Gross proceeds of the sale (4) $ 7,700.00
Balance less gross proceeds of the sale (3 - 4) (5) $ 6,901.38
Add: Expenses of retaking and storing, and any (6) $ 550.00
attorneys' fees allowed by law, and expenses of
reconditioning and selling.
Deduct: Insurance Premium Rebate (7) $ 312.15
Other: (8) $ 0.00
Deficiency" (9) $ 7,139.23
Surplus* (10) $ 0.00
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 online 9 to the address for
payments shown below.
For additonal information call or write: Mall deficiency payment to :
Ford Motor Credit Company
P.O. Box 6508
Mesa, Arizona, 85216-6508
800-732-2264
Ford Motor Credit Company
Dept 194101
P.O. Box 55000
Detrolt, MI 48255-1941
25/114
FFNA 11 990 011D4 Previous edam may NOT be Used.
0
FILED
t' ,- ;1 - !,
i THE
21+U9 AU lo' 19
- - Jp+
-*18.5o Pty fl'i'ts(
p aa9 4of
Sheriffs Office of Cumberland County
R Thomas Kline ~~~~~+~~'~'~
Sheriff '~ ~"~C ~''~~~"'f.1~V~~~
~~~~,t•,r Qt ~:~uuabrr~~~~b e
Ronny R Anderson ~~~~ S~~ .. $ ~t$ ~~;
Chief Deputy <._
~.,~ : r~.
Jody S Smith Ci~~u'~~~,~ ti~ ~:;J:1~lT~`f
Civil Process Sergeant car~c~ ~>F '~~ -=~~~:+~~ r~~a~`5~,~`~~1'1..~r~~tll~';
Edward L Schorpp
Solicitor
Ford Motor Credit Company
vs.
John A. Farrow
Case Number
2009-5725
SHERIFF'S RETURN OF SERVICE
09/03/2009 R. Thomas Kline, Sheriff, who being duly sworn according to law, states that he made a diligent search
and inquiry for the within named defendant to wit: John A. Farrow, but was unable to locate him in his
bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant John A.
Farrow. The Mechanicsburg Postmaster has advised the defendant is not know at address given. An
exact address is not available.
SHERIFF COST: $37.44
September 03, 2009
SO ANSWERS,
R THOMAS KLINE, SHERIFF