HomeMy WebLinkAbout09-5862ARBITRATION 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
Defendant(s).
1J) /69-/155
MAZDA AMERICAN CREDIT
P.O. Box 6508
Mesa, Az 85216-6508
Plaintiff,
V.
ELLEN R JONES
41 Queen Ave
Enola, Pa 17025
CIVIL ACTION COMPLAINT
AVISO
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.
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.
Attorneys for Plaintiff
CUMBERLAND COUNTY COURT OF
COMMON PLEAS
Case No. DQ- 5V0A eivi( (e1 m
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 demanda y la
notificacion. Hace falta asentar una comparencia escrita o en
persona o can un abogado y entregar a la corte 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 firvor 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 para usted.
LLEVE ESTA DEMANDA A UN ABOGADOIMMEDIATAMENTE.
SI NO TIENE ABOGADO O SI NO TIENE EL DINERO
SUFICIENTE DE PAGAR TAL SERVICO, VA.YA 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
MAZDA AMERICAN CREDIT
P.O. Box 6508
Mesa, Az 85216-6508
Plaintiff,
V.
ELLEN R JONES
41 Queen Ave
Enola, Pa 17025
Defendant(s).
CUMBERLAND COUNTY COURT OF
COMMON PLEAS
Case No. O9- !rF4 " &?d
??"'"
CIVIL ACTION COMPLAINT
1. Plaintiff, Mazda American Credit, is a Corporation with its place of business at
P.O. Box 6508 Mesa, Az 85216-6508.
2. Defendant, Ellen R Jones, is an individual who resides at 41 Queen Ave Enola,
Pa 17025.
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 September 9, 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 $20291.00 at an annual percentage rate of 17.740%, in
order to purchase a certain motor vehicle, 2002 Mercury Sable 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 $329.85 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 July 22, 2008, 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 $3500.00, however a balance of
$7441.80 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 $535.30 and which will continue to accrue.
11. The total amount due and owing at the time of the filing of this complaint is
$7977.10.
WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant(s), in
the amount of $7977.10, 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,
MAURICE & NEEDLEMA.N, P.C.
A. TAILOR, :ESQUIRE
Attorney
Date: August 20, 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 20, 2009
PENNSYLVANIA SIMPLE INTEREST VEHICLE RETAIL INBTALLME fACONFRr -zgA DATE 09 $EP 2006
.1200.395.80011 ! Coal C08ular) NnnF red hake e (k"Mg Cw-Y ma 6euERrCREprOA (SFr nur mb Amrm)
" ELLEN R JONES FAULKNER RAZOA SUBARU
2311 N FRONT STREET 0701 i,gfg! tJREET 17111
HARRISBURG, PA 17110 DAUPHIN
MeeOeAmnbnCltlL
alae.modaeraiNum
.v rr.l.nabar•yoa'a•Ywr. m mlm.dmu•vre mow v.larr
Callow br moll r N eeaL Tfe vFn IAiae r Harm edew m SeFh Pdbe• Tre ceeil vrLm r amwn baiow m'T SW Pnn:.• By FIPrw tnr Donna roe
aarb wwrd.me.w unamw Nwtma.nd e.liameea+ma.
nwtrar var am Lrn. Lode vFlib IdreYOUOn rlumWr Ilan For wnirA Pumeard
2002 I, P, o APr.wna
USED 3955 MERCURY SABLE 1MEFM5SS92A634697 ? Cbn.neaa
REWATION OF AMOUNT PRANCED INSURANCE
YOU ARE REQUIRED TO INSURE THE
7. CWr i 10926.45 (1) VEHICLE YOU MAY OBTAIN VEHICLE
2. Decor Payaee INSURANCE FROM A PERSON OF
Third Parry Reber Argned to BeerNIA YOUR CHOICE.
Ceeh DOere P.ymern-__.__.__._._._. S SM-M LIABILITY INSURANCE COVERAGE
00_--S 1842-M S fl-On FOR BODILY INJURY AND PROPERTY
Tmdw41ty96 E•
53x.
wr 9
Ae
rFr emww Amen Owmp DAMAGE CAUSED TO OTHERS 18 NOT
Tow Dome Paynterd _-__- _---------- ._-i_,SO- (2) INCLUDED. II
3. UnPaid Baler of Cram Prim (t nine 2) 1111476-41S(3)
CREDIT LIFE CREDIT DISABILITY AND
e. ormrrde Pell ce Nov barM (Oar wmY ce nrNna • person a mr eata.mel OTHER &P ORAL INSURANCE ARE
T
To PuWr ORrws NOT REQUIRED TO OBTAIN CREDIT
(0 r Kees is 6.M ), tlW (S 22.50 ), S AND WILL NOT BE PROVIDED UNLESS
repRmBm (S q-00 ) tabs S IIA : YOU SIGN AND AGREE TO PAY THE
(d) rr WG fir $ MIA : PREMIUM.
181 r %mA (1-4 m Cash Prior) i C43.42 S 579-97 Credit
To amraenp cospenr, to'. O LUe -
CnsM I.B. (riaererree N/A insurance Corepary
¦Ia _
ot..eRly lrwirrarros Ilan wmdmmactl._?__.__S MIA $
Credit
u? (Term NIA- MOn11u).___._. i MIA Premium Insured(s)
MIA
You well)Credit LW Inwrance.
??Madhe)--__..S
H
y
--nn
OOf
mCR II?N VI r
To F11a
To r i MIA
To YYINC AM 11 COVER for Off SF VTfF CUT i 1357.00 Buyer Sigre -
ToCAVIA NF r OFT TRADE PAYOFF f 9421110
To ST OF PA r TIME FFF i S_M
TO r s MIA Co-Buyer Signs _
6. Arlwarrt FAmrmed 43 Pbe Cram
---'--' ?gssMM1Y Irauance COmpary
FEDERAL TRUTH4*AZNDING DISCLOSURES S MIA
ANNUAL flNANCE Amount Total of TOW Sale Premium Insteed(e)
PERCENTAGE CHARGE FinwwW Payments Prim You went Credit Dreoey Ineunance.
RATE TM -r a TM amour TM rm -
TW aaiv enloa. ppor -4ced pyewp W halve a yow puwam
The salt a you w Dada aF b p,,,, an halve mice emu rcluarP rar -
eeerc v. N+eM rr. and ra. yup eoaff ponpaard dae+urnea Btyr Signs
lamrimr d$ 500.00
17.74 % +6728.63 13062.37 5 19791.00 s 20291.00 Co Buyer Si gm
-
e O7NER OPTIONAL INSURANCE
D
rr
rAarber a rwwws Aemed a Pammee wlrny Parmrae en
12a as O P-nk-
Mr. LoVBlaq f?ameem Te lnMmft
$ JILA--
will
By _lil6
PnPW-. ny9u pry wywr sea eeM. Ya. w• n...aPneo..M. a MIA -
eeweeY hnereFr: Yau w OMro a Fewray mires m M •wiyde eernY peaerM.
NeiF Pere,me Mau mm pay e b aeup m M parson a 00th paymnt nlaryad more hit 1D By
nre rar Rr dare r to Pemem a w ler rnOad -
na• ,o"'.a""*.°'°"•« ? . ww»"°F?.?"."'"' vale wwrn nr, owbd henr ror Y,rxoh
pare=. general am mdudea abore.
==
N YOU dD not meet your COlltrack oMipaAOte, you may, bee yWrr goodsvahide, as erd
as boll Wits and goods ptrt an yov vehicle and money o recenred for Surer Sig- -
yov vehids.
BALU)ON CONTRACT PIIDVISMS -
? vam ra wrlbrlent payne0l under I- -wraa b s telben peymmL Co-Buyer Skim
IDICtl811rEAN UBE AMD Mta11OE CNAROM Greer us, and credit tender, I-, n
n e cee ly arovw s d.,, tlYS eeGlen. Perpraph B. arm PFnpepll C d ter?r,FgeaernwstrNon, r rmasuTneevWs apenmawearl
ern
Nye wntrrt app app You may be W alarged r eyomare weer bated riPOn our arrimrds a- b you Fed".
An rirmst r. 0 n you *-s" w OPIo b sell tce whide bark b SeWr under
Paragraph B. you must pay me S.Wr $0, nn Per TRW for aaN TRW b exceFa mar fiwealm wove AMedw MpaaeFN
of A mibs shown w the udarrrerr. M nth en r drdea ym Ire a purdwW • debt
QTIU1 MLEAGE OPTION CREDI rmealFUrn weMr. War d air awrape r
n mr Daman cortsm a b.1- w1nbm (se md-W above). end you hM °iw01•1 arm y ml e9uyad b abrr sew. Tie
rear aamaar a M era awrwan.aver
aa-ad your Opo, b ale the Mite b sr Barr uMr PNgraph B. tls tale m M rr.aw AaaeMm wNa, r
paagraph applies b your amr- At be adeeWd brio d ds mrlnaa, Vau w41 r.mpeammbam mreed.Thepitow eM
recwm a oedl i s0. N/A per unused nr tar ate their of umsed miss eeawran werrr se-resaveaamw
bewesn . is ettd rmrd. lean airy a is You Itenynnon a Ammon Fmerwd uner eecen {.
owe u tlstls . Yau wYl rot r . arty emdt N ab .id. r dMmpd, tls
cormeal orals aaM. v you are in dell. YOU w8 M - any -0 n the -01.
surw -
Iars Vlan st AO. S"
NON-100MCATION DISCLOSURE
Arry aer9a Ka rtl mm a In wr!Yng eN W1ad W Ya. eM M BaW.
I
Ctr&yn X
g.1 X
St- v v L/ 8
YOU ACKNOWLEDGE THAT YOU HAVE READ AND AGREE TO BE BOUND BY THE ARBITRATION PROVONOM ON
THE REVERSE BIDE OF THIS CONTRACT.
The Annual ParprlYge Raft may be negoUebd with the Geller. The Solw may assign this contract and may muln
ft right to receive a porthin of the Irbumee Charge.
NOTICE TO BUYER
Do not sign this contract In blank You am entitled to an exact copy of the contract that you sign.
Keep R to rote[ your legal rights.
e„? X Cp..w X _
sere Signal
Buyer (and Co-Buyw) eknowledge that (1) befom slaning this contract, Buyer (and Co-Buyer)
reGOlvad and neviewed a true and Completely filled In copy at this contract and (11) at the time of
signing this contract, Buyer (and Co-Buyer) received a true and completely filled In Copy of this
contract
ayw 1' air X -
$be- e
8Nr X 'F
TRr -
V
D _
UNRT
TNIS CONTRL YOU ANd-SELLER BKDN R.
VALID
CONTRACT is NOT
ASSIGNMENT
awm nrl• Darr mr eenreeF r.awgwr araeL 7M pnep_,l,de oven it N aearp realm, Pdmray ae rwoewa M eimm?e Barr, ale
7sa
err ma WAeaWneeeenasOOmetrbOS IAiDl1 Mt??W 1.KtY T 1•AealPee•4
T 1Y ZPaC1'eel [ • Caa O°"amr' con _ _ _ . w NN Mr wear a
seiiw FAULKNER MAZOA SUBARU M % Tnr_
w ravr e, ?, WE OTRER ODE FOR ADDnIONAL ADREBAEMB
Om INUU.
PLY 1 - ORw PLY 2 - eUYI!Fm COPY PLY 3 - CO-IUYE UGUARANTOR COPY PLY 4 - SELLEWS COPY MWTRAWH7Y/LE)
aLd. iJ., to ADU1TMNAL AGREEMENTS
A. P"mm to and Effrontery Nolbe: You must make all pay-
roema in U.S.I,IOMe whRStllayy onsoth You may prepay your
ills) b0lpnp cM'f to In mdpangxcon
paYnml pailsrcls. Thm aClWl ??,1ya
MCIaW Fernca Charge H you makF jitlr?ayrrNnn nl« Ifun
the scheduled dal" or in lees Man the $CtoduMd amount. Your
payment sus be applied am b nr earned and Unpaid Iran of 11
Finance Charge end Men b the "Ifeed Amount FManced. Tha
Finance Charge b earned by applying the Amuse P.-Mtge
Rate to the unpaid Amami Financed for the actual eme that the
unpaid Amount Financed is --a. h rte Mile is repoa
Sewed, you wHi real true tle ngm b means, the tamed uromes
the Sooner agrees. .,
B. Bahoen payment Covvmcnw It your lwl in Wl?rlrwil`puymeril
uMer this contract Ie a beacon Maynard as iMiCaa l m Me fbnl
d the comscl, you meY herds the lam irealtnrl pa)vhown b
pre
.1 Mew wa Y.. I, ?Df11
RAt, you may pay all pool you sun when the lesfin6?snrl
psymem s due and keep Your moor Mkm.
P'.1
a old, you may rNlMnce the aM IMislmhnl ply-N irjass
you w e default under this contract. If the Senior has aprNpetl
nabs to use any dNault. You muss pay back kp?r S 2 bites
the mar anckg. -== ide prod o f tN a F
adelo SenarDMwa=se P. nN e9 Rata
(APR) for am rolinsncing aid be IM NAYer of the APR.igiW to
by you and ae Saner at nee lame of the FOU=ncwg or door
foressimum lab pemdlNd by law. The arm of to reanancag son
as bleed on w amount rsfilsrlosd. the We, and the emound of
the mommy payment. The rsllnsnced mon" payment MINI ba
Ihe rrlr se in this contract H iha ralkMn ced amount will be bay
Mad withlo 3e alaree d the due dale of phi W1 mstNhnent
psynnnd. Domain, the monthly payment amount uWaa ors the
mount needed to fully pry Vs admixed ancund whin 36
money of the due data of Me Wt sealanent rel. It you
wish no rNlrrnoe, you mat nrWHy Me seen In :W
Eacrpt u
decussed In Me .scion. Informal- moil ba _" no ear
than 30 days prior W tle due data d loss aR soldtion" Payrnlem.
A'
noVnl snual
loth, you naY shit tie "hide to ft Solar ion an
to the WI M mind ueymm You road pay 61,
the pose r •rry
other er amount owed under lids contract. Amounts s ytNi awe will III,
based, in pan, an the mrims neaps. You ab8'16n'fiay b
SMW the eslknaatl comb of V ..Mash to
tlrs WaG,iNFI w
w muff df e.ceae Mar oral"e, sesai bed below. You must
aka the wade to a place solmced by nM Salar;drnnspedlon
no let r Man 15 days prior W rho last iroanccrnlc?I, ni due
era. Ater me inspection, it you deei0s b sal the.
shb(and ins
Saner, you mum give Me vehicle W the Senior no'leaunll`OJhe
lam insaamrt Peynwert ore deb. At MN tine, you mum elan
give Me SNbr a 1me, which stews nc sent other don Me $Nlee.
en, Mansfscralg Cron-ship foal SNbr . a person raced by
Me Seller. After the Inspection, It you decide not b Nn "hide
to Me Saner, you ..at s -1mly contact Me slum no inform
the Saar whW- you most to roMMM the aai !MWA Mm
payment.
approve the type and amount of insurance. If the whlcb Is lost.
ntw[ pa r M• 9Nbr Nut b VIII
deMo.d w d@MWIOA You
Own4-Wen u ,or the kallaer .
You ey' S ttTalil7e W!4'!
policy. wool aL(lobibW Msnh&7Wha a ny b promote Sen«
any INombuon Senior bwoYw mcomry b make a dean. Ycu
real Ina insurance proceeds to repair the "edida. ffmeee Me
denim to the miicle is cunSkWW a kW tow. It the dwW
W Me Vaste is calsiderad a total W., you mart an IM immur-
wooe proceeds to pay what you rare Me Seer. 0 yo. )nuance
on the vehicle doun't pay all you owe. you must Pay what is still
owed.
0. Returned lvocai a Z;7 a-rtl Service C.Nad
for-awa
Chaps: Thb wntrsd cemi
nAr l u cep.r.3iit tMSin}
Zr do pa to l cobonef',41 underM. r ommom pr.
cell l mI.` t Oa caradu and umew prdribned
by her, t.Mb Mm W Sif refunds of unshed to Oman
contents retlufa whet you come. It the ha SMaf gets a bond on Whou lawn" m
what ycerdraca, or doer COrglfCis, er Mile corm olm
Sunsf wiha'tnd ) h .
what you coma. r}us eq woumh «eo under r Mile mdbd are
-1 rwd_ env ama.wn ahin,a his rude to voce.
H. DafauR: You sun be in d.Wi if:
?I. Y ao ncl multF? ppsiHrNnt when It a:,d+l:i4fi
t2. Yo?il'gew faW . mlibedlrg bfomedoA omYour crsdH
rppneatbn relating to on contract: or
3. Your Mp1e on -.it by mry local. NNe, co, basal
..eery and to not ganppy and unrcenMMANy r W
W You or
d. You file a benkrupky Peelbn or oM Is filed against You: W
,.,§. You W not kW any figan -.I. in this cecrbecl.
H-you celalil, Seer can "All Souses rights under this con-
eneland SNlsra other nOhSCISi1.r ft law.
,s
p st on ft unpaid you ceiew, 9elh m agdro our to pomM? pi
p'aynn e
Chnt Financed, t
owned and unpaid
pan of the woe Finance e Charge rys and ad . be cover amourms
t volo tlu• under this
s
c«nratt Slifter rosy rapowew (aNe beer) de when W. Sailor
may hold take like W yIan on Or m dr whicls Mhen nspo.ee.med
and hold mplm?a?pRMp??.ddpam 1p vgh?p t?Y?na1r Sale,
wA- YEN dnOtllx'.T7e ndkd Npf L•fthityiirYrrii?'•mdsaM
N ooha you
(huY bask'"vedds sId Wel egYen taw to chdsem the Veh
Ico I inalylcediedllrhi dihbe up IdWigacenN•EWraMb a w
AgaNact.DN "npRlt y"oTd not red.rn the "hicifAp )rilpl».Ib.
K. Dlopesilta' ?Nesw VW.a: It ens vahfe anfal back
aM add, the morry nom tto deb. law alowtl Vp . aR
be used to pay Me amain sell owed on the conneacL Akm d
.peMse inmkds those pad om e died result of having to Mike
the moolde, hold ft, pbleb i bar nab, antl shit n. Rini
lawyer ion and legal tsab we sewed, too. It them W IM
money left a (surplus), n MI be paid to you. H the "Whory Mom
Me sou a not rough b pay off fl" Conrad and coma. you At
Pay win is sun owotl to Me Seer, H you io rem Pry this amount
Mnr Ma author Ask., the Seer may charge you Mtwew at tln
hgheal lawful lib until you pay.
C. Dolmans Repair: If our Ism Irrbanrnt pay-. under this L Construct, Corte: Esdept r dsnnme provided by law, tau
car, I. • bonbon pat- ens you rtl w, beck to
? must pry Any ono w hphcrw award b amordng M s contd.
iepaW d
the Sooner under Paragraph B, you are roryonsw Including confusion elpsnsr, lawyen' ma; and minor egad
NI denlaga W ms whoa meat lab not the neat^d Idi16sl now 119 4:o9AYes. '. N r
and use . Than apab induce, but we not limited td. Mar
srry W: N. CanMamer Reads: You Whorl2o the Asi gnee haled on the
(1) r-o- any tln col pen of A rllabarlp wt of tour or eery I" Iron of this commuct to chain c.rsurre, cradll nations flan eocv
which has Iwo ern 1R inch of rommunirg treed; rsnaer raoarting ?gernclee Iaedlt Inassusl for any reason wl al
(Ig on at modrnalcel delaen; eery dote a conlrsClbn wa?r'Miti.Emlbct. V.
(Oil most, or neplsce all deroo s.akded. dripped, rambdwrO Dt.OI A%]!
Ir?umaldod body psnw, pan or wlrido loerelficelion ems;
ell diclbd, aaalclNtl. russd, pwd. Ikdtr or mbeng ban N. Appllrable Law: YO4aga• that Mst cecltract MII be pwnrtl
O/ ft laws OI tole able gl_PennsyeWe. _. _ .
Aral grill Work: ail •erommod, .en•d, peed . chosen Nome:
l loony waw machselsms: as Motion. burnt dal Igas: O. aural: Tlrbcmt--- d:e emir. efM-b•w.tr
ell electronic mal(um bone; all ]to"" rips, stem, alma or Solar and you Meting m the seIs .lid linamohq d his moor
be deposited
?
e
N w
le
f is Act OW,
.a part of this COMW
we
lS
Na
?pwe??
cdliVm
oo M.ur.- W.M.
in 1
or comp
r.
or nor a
ir , ', •Wlaee
Wft
o
ro S.
??
,.- b eceally In khroe.
true Ipl no0s IM rpa" burro InsPSdbn of ur• vWeb cell mw enforce ttr•nr Isar. SNbr Mau •s•na• ail of Sorer. r a-
on • IeMUI war.
=
Pereg arch a. you MII awe the edi=W cow of such If tle lam IMMMMml payment uM this common is a banece
ropers. Mar Of the nepaln ea not mede prior to your safe of ft payment, Assigns has assigned b OI FJrchanpe, in a p.Pa."
vehkb to the SNbr. ff our d.groe wNll ice wdnrsred ceais of a. Assgnes's qualified mannedwY a rghb (our not M
y u my heve the apose robe at your •r.ras prior b
apnel obligations) mh impact to the mum nse and Male of this vehicle.
your of the rude to the s ft,
a
D. 9ecwffy pashoo : You pave Ihe Senn A wounly another in:
1. The Mbb and ern pan .What octal pan on" Vehicle;
2. All money or goods mceired for Me vehicle; end
3. Al insurance pcWnsAM and earvke commune finernmed for
you .
This secure. payment of all amoulle you come under the contract.
It ebo sec: me you other aa-- In thi. cmwct.
E. Use w Vehks - WwmamNm You must take Ism, of ft
vNrlde acrd carry all laws in using it. You my not sea or and gel
vehk.. rtl our must bhp n fee nom the daime d Wham. You
sun not ur . pornnt the we of the vehicle outride W the United
a.... e..w ks us b 30 sun on CaMce . An.loo. wean
the prior wlffan comma OI the seer. in fed vNdNa a W • tYP•
nwamy used for panW W use antl an Seller.. the whl-
oa's mhnuamurw, =ends a wrnbn warromy w aarvka
mareat common; the vNNeb aMaln 90 day. Mom"dw W
this connect, you got s.PUOd wanMNSO of mweM WNy
and fftrrw W a pa mW Portion, covering = whks.
OlMnrao, You undwwnd and aghh MN Vero as no aauM
anPMd morrWmw, accept as oMaMse pre Vksd by On.
F. VehtoM moumrow You must I- the "'Mon rognist loss
or damage from collision, fire. Men. You mat Moth SNbr w
the lass pay.. under the bsunance pofpy. The Sher must
FTC NOTICES
NOTICE - ANY HOLDER OF THIS CONSUMER CREDfT
CONTRACT IS SUBJECT TO ALL CLq AND
DEFENSES WHICH THE DEBTOR COULD ASSERT
AGAINST THE SELLER OF GOODS OR SERVICES
OBTAINED PURSUANT HERETO OR VMW THE
PROCEEDS HEREOF. RECOVERY HEREUNDER BY
THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID
BY THE.DESTOR HEREUNDER.'
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GUARANTY
To rauw the after to no ar vehicle deWN" on the Ism d e=d~ b Ihe Buy. m .eon, ascn pedant Mc aigha below w a
'Gusrenw Guarantees the Marhlare of this mntract- This mwns the B 1 s b pay rY mcaeY Mel b owed m Mb contact,
whobpemounl pero rNr M Orl?i «or moroedoYw panhOm also Nigro Mb (krenmry 3d1 Guamsa=.,= he wB ce nab la ar
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on this ceMact and M's Gusanry m the tons 0 Mg.
Guars m, AdOnlw
Gammas. Address
AndVason s • nrlelhed d arty dent, dbpde, « IOdlmoti"hy e'cNm'1 wlppui Alop • bawlit lo mud. Elder Yrw
eery Cskn .am W Mb
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2) Clakroo naphap tlo alsrPralotlon, sMapa, or "left" d tle w"e. or emmebllXy d any land; 3) CbkM beMwn yw and us.
m oapame, auoceehori. ammqu, aso aNlaa.; I) Clew eriairg old d « b Your spOlcedon fa
whoce rot egn )his be Mannino . Meg p, hookdeng Mat nth the 0-%,,. ry such awed Mind pens
?g11YS//ywwDll ARD WE AMIE?ID GAUP m wan Re blbwk
you
mwRgHirTD A TRIA4 WNETNER / Jt1IXLE GR JURY?es g 4":
• ISONT TO PARTICIPATE AB A CLABB REPRESENTATIVE M A CUSS NEWER N ANY CLASS CLAIM YOU MAY HAVE
AGAINST US WHOMER N COURT OR N ARNTRAl1OM
ROAD MI TO DISCOVERY All ARE AVAILABLE N A LAWSUN
RIGIR TO APPEAL.7NE DECISION OF AN ARKMATOR _-.."n yi.%""V,.
• OTNEIr RIGIr18IM ARE AVAILABLE N A LAIIPW ,
M
,W "d M De Not OM Ida E a Chian is ardbaied, you antl we NI ceaaar b haw tln IolOwkg rgNa, bsus waieag
PrrOn am p eery IAaim: 1) fo a bnARlptoY M oast 21 Rqa m enbra Me y YwrsN tlla Mkr.
sunder by rap0awmsbn « tlvauph • saw d l.w; g wpd a hike lope .sent b ratan f .Meat. OaMon:
1 am /) Right to
mgmRw net a rout a law mfwv wMnrr ins emomalor ascended a au1M)rJfy{, !'. ^.J l e.?RP AGSF11
Enter Perry nrN cannot one of 1M waoclatbM Iwtl n•bw tusto llkaL Padv ao It rtibrion. The rpecalW russ RM •Rular )
my be pblainsd from
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W;- (0cT W .RO? r o n-s ea nor. rd) SEE DINER SIDE FOR ADDITgNAL AGREOdEM6
"'PRN"'
Mazda American Credit
P.O. Box 680020
FRANKLIN, TN 37068-0020
(800) 727-3000
POOYPJ00200002
ELLEN R. JONES
41 QUEEN AVE
ENOLA PA 17025
Date of Repossession 01-10-2009
Date of Notice
01-19-2009 Date of Contract
09-09-1!006
Account Number: 041467357
Buyer ELLEN R. JONES
Cobuyer
DESCRIPTION OF PROPERTY
Year
2002 Make
MERC ? New
Used
Vehicle Identification Number:
1 MEFM55S92A634697
Model
SABLE 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 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.
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.
The property is presently stored at: MANHEIM A/A 1190
LANCASTER RD 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 $ 10,909.42
Plus Costs: Repo Expenses _ $ 36000
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 unde
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.
Plus Late Charges $ 39.18
Less Finance Charge Rebate $
Less Insurance Premium Rebate $
TOTAL $ 11,308.60
(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 its
actually sold.
If you do, we'll have no further claim on lt. 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 f 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 (QI 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.
JOANN X. KEETON
FFNA 11989-37 Jan 02 Pwous editions may NOT be used. CUSTOMER/CUSTOMER FILE
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Mazda American Credit
9009 CAROTHERS PARKWAY
FRANKLIN TN 37067
800 7273000
DATE: 2009-03-25
POQ00800100089
ELLEN R. JONES
41 QUEEN AVE
ENOLA PA 17025
STATEMENT OF SALE
Account Number: 041467357
The following property has been sold.
Year Make Model
Vehicle Identification Number:
2002 MERC SABLE 1MEFM55S92A634697
Balance owing on your contract (1) $ 10,948.60
Deduct: Finance Charge Rebate (2) $ 0.00
Balance less Finance Charge Rebate (1 - 2) (3) $ 10,948.60
Deduct: gross proceeds of the sale (4) $ 3,500.00
Balance less gross proceeds of the sale (3 - 4) (5) $ 7,448.60
Add: Expenses of retaking and storing, and (6) $ 517.50
any attorneys' fees allowed by law, and
expenses of reconditioning and selling.
(7) $ 0.00
Deduct: Insurance Premium Rebate
(8) $ 565.30
Other:
(9) $ 7400.80
Deficiency"
(10) $ N/A
Surplus*
The Surplus/Deficiency will change based on monies received by us (credits) or additional allowed expenses 8r 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:
Mazda American Credit Mazda American Credit
P.O. BOX 6508 P.O. BOX 55000
MESA ARIZONA 85216-6508 DEPT. 194501
(877) 492-2865 DETROIT MI 48255-1945
FFNA11990 01104 Previous editions may NOT be used.
OF T1 i.J'.' Y
201!9 A1,3, 20 i i.y I : J
#11%.50 Pa ATr1
Ge-* l8 0a9
?g8i3
Sheriffs Office of Cumberland County
R Thomas Kline
Sheri
Ronny R Anderson
Chief Deputy
Jody S Smith
Civil Process Sergeant
Edward L Schorpp
Solicitor
Cow ?f cumbpri
OFFICE F-RE ?ERIFF
nom..., -•-,r,r
OF THE "` ARY
2009 SEP -2 N112":ZJ3
??:
CUa a' i'i'
Mazda American Credit
vs.
Ellen R. Jones
Case Number
2009-5862
SHERIFF'S RETURN OF SERVICE
09/01/2009 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: Ellen R. Jones, but was unable to locate her in his
bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Ellen R.
Jones. The Enola Postmaster has advised the defendant has moved to 13245 159th Street Jamaica, NY
11434-2925-45.
SHERIFF COST: $46.50
September 01, 2009
SO ANSWERS,
R THOMAS KLIN SHERIFF
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
MAZDA AMERICAN CREDIT
Plaintiff,
V.
ELLEN R JONES
Defendant(s).
CUMBERLAND COUNTY COURT OF
COMMON PLEAS
Case No. 09-5862 Civil
PRAECIPE TO WITHDRAW COMPLAINT
TO THE PROTHONOTARY:
Kindly Withdraw the Complaint originally filed with the Court on 08/26/2009.
MAUR
BY:
, P.C.
Date: September 9, 2009
OF c )TAPY
??9
2009 SEP 17 b M 2: O'tf
v1 _.. 1