HomeMy WebLinkAbout09-575410090070
THIS IS AN ARBITRATION MATTER.
ASSESSMENT OF DAMAGES HEARING REQUIRED.
Goldman & Warshaw, P.C.
BY:Barry A. Rosen, Esquire
PA Identification No: 42951
GOLDMAN & WARSHAW, P.C.
312 W. Broad Street
Quakertown, PA 18951
267-373-9730
Counsel for Plaintiff
VNB LOAN SERVICES, INC.
747 Chestnut Ridge Road
Chestnut Ridge, NY 10977
vs.
Jessica A Fechter
4702 Delbrook Road
Mechanicsburg PA 17050
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO.: 0q-5r75q Civil Lt°t1"
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 JUDGEMENT 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.
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
32 S BEDFORD STREET
CARLISLE, PA 17013
717-249-3166
Goldman & Warshaw, P.C.
BY:Barry A. Rosen, Esquire
PA Identification No: 42951
GOLDMAN & WARSHAW, P.C.
312 W. Broad Street
Quakertown, PA 18951
267-373-9730
Counsel for Plaintiff
VNB LOAN SERVICES, INC. COURT OF COMMON PLEAS
747 Chestnut Ridge Road CUMBERLAND COUNTY
Chestnut Ridge, NY 10977
vs. DOCKET NO. Jessica A Fechter
4702 Delbrook Road
Mechanicsburg PA 17050
COMPLAINT IN CIVIL ACTION
1. Plaintiff, VNB LOAN SERVICES, INC., is a business entity
authorized to conduct business in the Commonwealth of
Pennsylvania with its principal place of business at the above
captioned address.
2. Defendant, Jessica A Fechter is an adult individual
residing at the address above captioned.
3. Plaintiff and Defendant entered into a retail installment
sales contract for defendant's purchase of a motor vehicle in
which plaintiff is named as an assignee of interest and which
required Defendant to make monthly payments to plaintiff.
4. Defendant defaulted under the terms of the agreement by
failing to tender monthly payments as required.
5. After allowing for all offsets and credits, a balance as
of August 17, 2009 remains on the subject account having account.
number 974012025 in the amount of $11,473.37 plus interest
accruing at the rate of 9.99% from June 5, 2008 in the amount of
$1,375.43 for a total current amount due of $12,848.80.
6. Attached hereto and incorporated herein by reference as
Exhibit "A" is a copy of the retail installment sales contract
and deficiency balance documentation.
7. Despite repeated demand Defendant(s) has/have refused,
and still refuses to tender payment on this outstanding
obligation.
8. Defendant's last payment on account was made on April
18, 2008.
WHEREFORE, plaintiff claims of the defendant the sum of
$12,848.80 plus applicable costs, interest and attorney's fees.
Goldman & Warshaw, P.C.
BY: !.
BARRY A. ROSEN SQUIRE
Attorney for P aintiff
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED
FOR THAT PURPOSE THIS COMMUNICATION IS FROM A DEBT COLLECTOR
PAAUTO
VNB LOAN SERVICES, INC.
VERIFICATION
10090070
I, 3-() e n r, . ru 6-c, nu,1 6 1 , hereby state that I am the __T i-c i ; &n -?-
of Plaintiff herein; that I am authorized to make this verification on behalf of Plaintiff in the
foregoing action; that I have personal knowledge of the statements made in the foregoing
Complaint; and that the statements made in Plaintiffs Complaint are true and correct to the best
of my knowledge, information and belief.
I understand that the statements in this verification are made subject to the penalties of 18
Pa.C.S. §4904 relating to unsworn falsification to authorities.
By: 'pK , ct
Print e: -Fo pr\r,,rv
Title: rl '? d c+z n't
EXHIBIT "A"
1..., GO'l 6 'bdli! I, 97? 00)69125. AWN
E Sale Pike,
lP•t"sRCENT E .
AG RAT M
N, pert. red"
YW Or an diver t>ttl•etter you
? t +N? dud ]mKntr The total
t n
includt .
Credit
•Ti~e"of vwft Ras •
a yeirh:rate. TMr dolhrlnrNrrr?t the
eridibedN 0ostyou. , ,
_
of $
r
4Z, :
_ 313
.`4341.,40
43751, 4d .
You ire giving.1 security interest fn tAO.Inotor v 1, ?.
'ftfia w ifflif y, 04 win nothaxe tr p r a m:.
+i ? ITrwM1L" li '4)4110.4zl;? f ... I•?I ,.. .'_ ..: .:
a ilbi*• Itl imnient is late; yW*!tbk,dargbd Aot'-thi portion of-be piyment i6ch is lete for each month,?or tart of # month grater thin 10 days, #A t remains unp dA
;ee below and amr other Corrtr t ?
for inY: ?, r don aNOtI i6p&ymeAF yefaait,'?iiynregMired repaymNrt in ful-before the sch !QWe6i aste:edd.*
:
?
efundsind penalties .' ,
- , e•'
yrq kK
Av }" fy? A J
f7- ',414T r , Z, j;
^L wv ' 1 tY: d
lis Co
jk , ' -*
,
'
090116o; N&
ire , ,,
4 r'F1 ANA Tt1A C
SELLER. 811?1t;flT NN
ame , r1es4 d ?i +y Zip Coee. • ; iK11NEY:f1N'9t ?Ii1l N IGNFE.
.: 1aR+R
•':
lt&M County
JESSICA A
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gamma
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Name(s) e31f"A 3 :r i IrRli!
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ere is more thin one Buyer, each promises, sepatatiely, aad togother, to pay gll sums due act, #rRtto plgt(oi ?alGi °iJ n1 ' It>g C4tr t 1 2f A. u."
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ent Prep#rufon Fee „
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i will be r
nitit you seliet Sinob,Credd tNe ldsoranei' i f(Ifhat o;ygL
use of $iiyer tD bi i CreOkure Inlurance
nine you boiliso -dtM low 14, a
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lmurara wtPff AW to be To
Pl r.a entered }•
To WR Insurance Corpo
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3illdl le l?s A?
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findSe?t?riht eM Od btltlefits of the To
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and if Soler makes an eissimynment Fo( R 'rI:2 ' J'.
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liit????+? r ?ya.. ?mdn? ,. l?'ifl®?q??y??C????'?°o'p'?,n?"'?•"rte`? !t },i41fj H Y?* ..?
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"Promise to pay" section. pr d{i ?, °' , t ?i
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• of ttia dln :. ,
1Me : ylk q.:on dM as
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?tstha ei,1h?,flt d e? , t
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af
ddhiwdat#! *W IM#W >hraurt II!r pay
reasonable >i fer if Shcler K Assignee hhes: aR attorney to this Cordad or to protec[a met pouesslel n of . Yt?i?e;,YAlt a i Wh9 P11 °Ilh ur or b
sendWfniatiintel
Fii" • a 'rd?ieesy(nNndle
The. S eetMOid ?ROhRei _. __ i ?d'
TIIS Anl? ?! ?i read the D'isdosu re to
(!r/il't`hf1
a u , YerNls all f tlitl0rey Ih15 Contitlct, SUfe treU retxltre, Aiad ad 'the
Y h t ? lim pit of thIkOOM ad
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ay'f pnd below; we aim to saN the-Vehicle *You under the termsof this C40406
ji"
-' JftjhC?'?PYMAI INC. r i x
Otto
S
,yam.. ? •. ttt•u- r ru..• :• -
09/0
Jaw
diisoxxibriYOtf 9H KI OT[ [61fi, RtH1tCH ittA3, 4IYt3N TO ;if@kt ON A SEPARATE t)OCUMif'b`$ I+ I
tt?4 A9 Add dt >he''??eertoo o?itiQi? s ?At !ie?A?! yy to pj'rtq.yyss?1 ii't wm4 due:Qa thu rGontr,ct ands 4 Pe?op? 1?i1p?
aigreemgo in.tha 4c.hP.kp# bQ'>t Bftl!, °y?µi - ether, rfith the B41Vtr,Yo[i are?ipt tt.prQrnilt tp
indtiCtF vA -46 ,. m'e (s the Bkyer+ gven ?, ?C?, , the p r $t?4(?" fq Ypu bra W day o?teR thtf 1l wt may dort n}fie
a;Oe,aa9'p6prdemee'd fot piiyibept'on'the i#yy ;a{.o 'S'tK "vi"i ty i"af eietk Y W ii?4K' n tl?C re ins led t(ipletet( copy o!`thil Co traex
...?
Signer's ....r--,, Sig.r-nature .,d.••r-r--.+?. ? a 5{a s?z? ?, Date
C`o- Addriis
„
"a us tlia tried
lop +
- 11
ori ibk for say cue+e29$.-
on this Contract: Y%win r.7R
-t a r --t,t 15 ':, 9j11 9 r d nq <..t- ,: -tP,", .' YC? LCt'^I: I •.., ?... .971 r.
CONTM& AT T
WLED A DIIIQN L:I
AAA*
R
MM M unc-sw W"
a
,' Che1F'W?th;tti ? ar of?c. ftiEnld?ll.oE'W Ow6rf'dFtttte+Vehick.
iiC Uv1i ? ?},t o?!`t'lte, ?iE ante' atf`otfiell pilk? of lhii Conttii?t'tlieo' ept the
Wh: to thlf Colurall it *, and to secure Zhc plynrtnf by thC'Biyter of alt Idtiss due
L be due after rep Milan and We of the Vehide ;
BAL " t r t E 0
61EA tll Iff1L?•fl13CEOROSICND?AGLISUSTIOAFTREVECT'ION
LtRES, TES ` O COlf DITIONS.
FR ;
BUYER Y- CO-S= C4SI6NFl) OR CHI"
NO'[l CFa SSE i Ylt E SIDE FOR IN"RTANT INFORMATION. a zoos esliconsuawa
as Net+ i6f1&6pT•Cwty• ooh'•f *•car'COMMW
VNB
May 20, 2008
Loan Services, Inc.
A subs;d;ary of va"eYNOTMAOF OUR PLAN TO SELL PROPERTY
JESSICA A FECHTER
4702 DELBROOK ROAD
MECHANICSBURG PA 17050
Re: Account Number: 974-012025
Vehicle: 2004 BMW X346
Dear JESSICA A FECHTER
Serial No: WBXPA73434WC39375
We have repossessed the vehicle identified above because you broke promises in our agreement.
We will sell the vehicle at private sale sometime after June 4, 2008
The money that we get from the sale (after paying our costs) 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. As of this date, the balance due includes the following:
Unpaid Balance: 27,614.14
Accrued Interest: MAF
Repossession Fees:
Other charges(incl. Late Fees): 20.84
ESTIMATED TOTAL DUE: $ 27,884.46 (does not include interest from this date, daily storage
fees or fees relating to the sale of collateral)
To learn the exact amount you must pay, call us at 1-888-647-6470, Ext 5653.
If you want us to explain to you in writing how we have calculated the amount that you owe us, you may call
us at 1-888-647-6470, Ext. 5653 or write us at the address below and request a written explanation. We
will charge you $25.00 for an explanation if we sent you another written explanation of the amount you owe
us within the last six (6) months.
If you need more information about the sale, call us at the number stated above, or write us at the address
below.
Please note the vehicle is being stored at:
KEYSTONE AUTO AUCTION 488 FIREHOUSE ROAD !RANTViLLE. PA 17028
Storage fees may accrue daily while the vehicle is awaiting sale. Personal property in the vehicle must be
claimed within 30 days from the date of this notice, after which time we may dispose of it.
We are sending this notice to the following other people who have an interest in the vehicle or who owe
money under your agreement.
CC:
Certified do Regular Mail 7008 0150 0000 0954 1066 7008 0150 0000 0954 1066
Ri-PA LETTER 747 Chestnut Ridge Road. Suite 201
Chestnut Ridge. NY 10977-6225
Tel: (845) 426-6100 Fax: (845) 426-6185 -Customer Service
Fax: (845) 426-66116 -Colk-Liions
Toll Free -1(888)647-6470
EXPLANATION OF CALCULATION OF DEFICIENCY
NrNBLoan Services
Inc.
A snhsidimy of N711ey National Rank
August 15, 2008
JESSICA A FECHTER
4702 DELBROOK ROAD
MECHANICSBURG PA 17050
RE: Account No. 974-012025
Collateral 2004 BMW X3-I6
Serial No. WBXPA73434WC39375
Dear JESSICA A FECHTER
The vehicle referenced above was sold on 07/28/08 and a deficiency balance of 5 11,924.71
exists on your account because we received less money at the sale of the vehicle than you owed to us.
We previously notified you about the sale in our letter dated 05/19/08.
The breakdown of this balance as of 08/15/08 is as follows:
Principal amount of your obligation 27,614.14
WNC CPI Premium(s) 0.00
Accrued Interest 370.44
Total amount of your obligation 27,984-.
58
LESS Proceeds of Sale (16,500.00)
TOTAL AMOUNT OF YOUR OBLIGATION 11,494.59
PLUS Expenses
Repossession & Storage 0.00
Motor Vehicle Fees 34.29
Auction Costs 385.00
Late and Other Charges 20.84
LESS Other Credits
(Claim Proceeds) Insurance Credits 0.00
(Warranty) Dealer Refunds 0.00
DEFICIENCY BALANCE DUE -$11,9 4.
?
Future debits, credits, charges, including additional credit service charges or interest, rebates, and
expenses may affect the amount of the deficiency.
Under the terms of your contract, you are responsible for the payment of this amount. If you cannot
make full payment immediately, we may consider a payment plan of reasonable amounts. Please call
Repossession Department at 1-888-647-6470 Ext 5653 to discuss a possible arrangement, and to answer any
questions you may have. You may also write to us at the address stated below. If we have already sent you
a written explanation of the amount you owe us within the past (6) months we will charge you a $25.00 fee.
If we do not hear from you within 15 days, we may assign your account to a collection agency or attorney.
This may result in additional finance charges, legal fees and collection costs to you.
We are sending this notice to the following other people who have an interest in the vehicle or who owe
money under your agreement.
CC 7008 0150 0000 0959 7032
Certified Mail# 7008 0150 0000 0959 7914 Chestnut Ridge ROA Suite 201
R2 Lever Chestnut Ridge, NY 10977- 6225
Tel: (845) 426-6100 Fax: (845) 426 185 - Customer Service
Fax: (845) 4266116 - Collections
Tall Free -1(888) 647-6470
10090070
VNB LOAN SERVICES, INC.
Jessica A Fechter
974012025
AFFIDAVIT
I, YA e n V 4-i\ 1-t. I e , being duly sworn according to law, depose and say that:
1. I am the agent for the Plaintiff herein and I am familiar with the files relating to this
account;
2. I have personal knowledge of the facts and circumstances in connection with this case;
3. Plaintiff's files are maintained in the usual and ordinary course of business;
4. This action is based on a claim for breach of contract and that damages are sought as a
direct result of said breach;
5. After allowing for all offsets and credits, a balance as of January 22, 2009 remains on the
subject account having account number 974012025 in the amount of $11,473.37 plus interest
accruing at the rate of 9.99% from June 5, 2008 in the amount of $725.40 for a total current
amount due of $12,198.77; and
6. If called upon, affiant can testify at trial as to the facts pertaining to this matter.
The above facts are true and correct t best of my knowledge, information and belief.
ame of Affiant} u JJ
Sworn to and Subscribed
before me this fA- day
of 2008
x.0`
Notary Public
DwaMy L M06W
NOTARY PUBLIC, suit d P%wVo*
Na 01#IOB175W
Ocw?M?Ma?1?1?4ct a, ?bH
V
ft; RY
*'18.50 po gT-ry
cl `w 9 ao
Rr* aagso8
Sheriffs Office of Cumberland County
R Thomas Kline
Sheri
Ronny R Anderson
Chief Deputy
Jody S Smith
Civil Process Sergeant
OFFICECl 1- $ -RIFF
FILED-l'-Y', C;c
OF THE F - T;- "0T0,?Y
ZOOQ AUG 28 P14 12: 52
Edward L Schorpp
Solicitor
VNB Loan Services, Inc. I Case Number
vs. 2009-5754
Jessica A. Fechter
SHERIFF'S RETURN OF SERVICE
08/21/2009 05:34 PM - Dennis Fry, Deputy Sheriff, who being duly sworn according to law, states that on August 21,
2009 at 1734 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Jessica A. Fechter, by making known unto Wayne Fechter, Father of defendant at 4702
Delbrook Road Mechanicsburg, Cumberland County, Pennsylvania 17050 its contents and at the same
time handing to him personally the said true and correct copy of the same.
SHERIFF COST: $37.00
August 24, 2009
SO ANSWERS,
R THOMAS KLINE, S ERIFF
By ~-
Deputy Sheriff
IN RE:
JESSICA A. FECHTER
Liiirt!' -' --
THE PROMCN0 ,',.R'•
UNITED STATES BANKRUPTCY COUR''li 5 JAN 16 AM 11 : 54
MIDDLE DISTRICT OF PENNSYLVANIA
CUMBERLAND.COUNTY
PENNSYLANIA
Debtors
VNB LOAN SERVICES, INC.
Respondent
CHAPTER 7
CASE NO.: 1:14-bk-05847
MOTION TO AVOID JUDICIAL LIEN
ORDER AVOIDING JUDICIAL LIEN
UPON CONSIDERATION OF the Debtors' Motion to avoid, cancel, and release a Judicial
Lien, it is hereby ordered and directed as follows:
1.
The Judicial Lien held by VNB Loan Services, Inc. and entered of record in
the County of Cumberland, Pennsylvania, Case No. 09-5754 is hereby
avoided, cancelled, and released.
2. The Prothonotary of Cumberland County shall avoid, cancel, and release of
record said lien.
3. VNB Loan Services, Inc. shall cancel and avoid the judgment entered of
record at Case No. 09-5754 in Cumberland County against the Debtor.
By .the Court,
4,4 ir
Dated: January 16, 2015
Robert N. Opel, II; Bankruptcy Judge
(Do)
coWs Tr-Ct t.v.t.
/231S1Bo
Case 1:14-bk-05847-RNO Doc 10 Filed 01/16/15 Entered 01/16/15 07:00:36 Desc
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