HomeMy WebLinkAbout09-6952ARBITRATION 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
Attorneys for Plaintiff
/89-7155
FORD MOTOR CREDIT COMPANY, A
DELAWARE LIMITED LIABILITY COMPANY
P.O. Box 6508
Mesa, Az 85216-6508
Plaintiff,
V.
SCOTT B SHAFFER
726 Allenview Dr
Mechanicsburg, Pa 17055
Defendant(s).
CUMBERLAND COUNTY COURT OF
COMMON PLEAS
Case No. CR _ &q5V aivi -k-or m
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
AV ISO
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 demands 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 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 PARA AVERIGUAR DONDE
SE PUEDE CONSEGUIR ASISTENCIA LEGAL.
CUMBERLAND COUNTY BAR ASSOCIATION
Lawyer Referral Service
2 Liberty Avenue, Carlisle, PA 17013
(717) 249-3166
MAURICE & NEEDLEMAN, P.C.
BY: Joann Needleman, Esq.
Identification No. 74276
Charlene A. Taylor, Esq.
Identification No. 203920
935 One Penn Center
1617 John F. Kennedy Blvd
Philadelphia, PA 19103
ARBITRATION MATTER
ASSESSMENT OF DAMAGES
HEARING NOT REQUIRED
Attorneys for Plaintiff
(215) 789-7155
FORD MOTOR CREDIT COMPANY, A
DELAWARE LIMITED LIABILITY
COMPANY
P.O. Box 6508
Mesa, Az 85216-6508
Plaintiff,
V.
SCOTT B SHAFFER
726 Allenview Dr
Mechanicsburg, Pa 17055
Defendant(s).
CUMBERLAND COUNTY COURT OF
COMMON PLEAS
Case No. 0 4 - 1,,? 6?. ottcj j&,
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, Scott B Shaffer, is an individual who resides at 726 Allenview Dr
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 April 14, 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 $37781.00 at an annual percentage rate of 6.900%, in order
to purchase a certain motor vehicle, 2006 Ford Escape 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 $510.00 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 August 28, 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 $10700.00, however a balance of
$11525.10 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 $320.27 and which will continue to accrue.
11. The total amount due and owing at the time of the filing of this complaint is
$11845.37.
WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant(s), in
the amount of $11845.37, well as any additional interest and costs that may accrue and such
other and further relief as this Court may deem equitable and just.
Respectfully submitt ,
MAURICE & NE EMAN, P.C.
Attorney
TANLOR, ESQUIRE
Date: September 2, 2009
VERIFICATION
I, CHARLENE A. TAYLOR, ESQUIRE, verify that I am the Attorney of record for
Plaintiff, FORD MOTOR CREDIT COMPANY LLC, A DELAWARE LIMITED
LIABILITY COMPANY, and duly authorized to make this verification on its behalf, that
statements made in the foregoing Complaint are true and correct to the best of my knowledge,
information and belief.
These statements are made subject to the penalties of 18 Pa.C.S.A. §4904 relating to
unsworn falsification to authorities.
BY:
DATED: September 2, 2009
PENNSYLVANIA SIMPLE INTEREST VEHICLE RETAIL INSTALLMENT COrRfi'A DATE 04/14/06
1 727-7000 1W) W43.W) N.- ad Add- tWi4mg Cwey ell SELLEFUMMIT011 Ma. -and Add-)
e 7SpC5OTTLLLL0 SyHA??FFEpR BOB RUTH FORD, INC.
e fffCHAIItCSBUR6 PA 17055-5603 DILLSBURGE PA NORTH 17019
CURBERLAND COUNTY
amrw.forderatlN.eorrt
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erisl'tMry me renicb ewead
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i, tlrNSb tlr Witlsesaea urerw enwaenlaed barketweam.
rLer411sed Yesr ad WM Mestl VP *W Ww*krm Nanba U. For When Paohard
2006 ? Perrrrl ? Ape red
NEW FORD ESCAPE IFNYUS3176KC04318 ? carmriaal
!ITEMIZATION OF AMOUNT FINANCED &MRANCE
1. Caen Price -_..__._...._._..._.._._..._.___-..___._____...f 27676.46 (1)
L Dover Payrttenl
Tldrd ParIY resets. Assigned to __....... _.i N/A
Car Damn .._.__._.__.i I nit l _ nn
TrasMU2003 KIA ,It084.20 f I61R7.26 f n. fin
vasr are Mr• Gmu At*- Amato 0"
TOW Damn P1061. (2)
A lMtpald Bahamas of Cash Prise (I minus 2) 26676. aC (i)
4. Almoste paid an par behall (Better my be retaolMle a perNan of lops aaaueie)
To PuWb ONara
O Ia koaw K N/A ). we d; 22.60). It
Ngw-w IS 14.00 ).1-$ NIA;
(111" IMnp I- f 5.00 ;
(Fr) tar emu (riot in Cash Prke) f MIA f at 6n
To oru mote Com omme for.
Creak LNm Imuranp N/A
? r-ft hnermerrp 0whonedCxaad)__---_f e/A
(Term lLANOmnsl._,...t MIA
N/A RsrmAMraw).___...t k/A
To?RUTH FORD. IN for I FEE t S6_0n
To Ir t MIA
To for i .a/A
To ARERICREDIT for MET TRADE PAYOFF f 4inT_yu
To ST OF PA tor TIRE FEE IT c_nn
ToS LL R ter ELECTR FILE LEE f 2n-nn
0211 [e w
S. Alnaat Rna oad (e ens 4)-.__-_-_.--•-------- i , cI (s)
FEDERAL TRM4N-LENDM D18CLOSUREB
AMMAL FINANCE Aapunt Total of Total See
PERCENTAGE CHARGE FNlaryad Peymenb Price
RATE TM rramn a TM .moue TM tea sits
Tn. cos a war ilr• aaW i °moa PPrMad tar ae ter. a Pr
to you a m p•r Mren you auR
as as aymny r•a a,d you ear best Via'
_ _ _ _ ?nM a i 1061.00
v- -nt at • • as. M:
r1)s•nrr a rs"Bege Amaral a ntiwrres Ynr n rerirw w ou•
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Wye MM. TM chap r 20 papa a me rMimaad.
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dehir. w rem. m mq,- eaPft- a ypr debt r MI bros. rid ear. dae, and
If you do not meat your tarrtacl obligstiorls, you mbeY Nome our veldde, ae wall
u both parts and gads Put m yea vattke area mart' oyr goads reaped for
yes varticle.
? Yam last inns m m pyrnsm wdsr this ambaet a a babas psyrrant
EIICESe WEAR. IIeE AHD NLEAOE OKARBEB save rAe ens crew weaao' riMa.s w
e tie bar dl
tidy ebaye a rdtrdr0, the section, Parograpn B. and Paragraph C of v w awm a w arer•ec TM rprm aq
IIYI CanlKt ppy. Ya may be dtmnged I., emeeWe aldr based Upon W Standards tpertat a edam a mrb r sarsasset
arse er ear aee.r
tar no," use. V you ox min bit When b as Iris wthica back to Seder under
Paragraph a. you mat Pay 1M SOW $0. m par mile for each take in.umm
ie
f
13 ben CrriaYYwl lawns Aebres 40~
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rest., sewn on IM odrn W. a tar W. r amdad you hen prrwp • lira
EXTRA MLEAOE OPTgN CREDIT a•reaaws .SWa. Perelreae a w esrr•er r
n the -*W anMnm • Gabon payrnern tas Irrdbebe sops), eed You Mn ?
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nsard
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paragraph ppI to your Contract. At ft edtsaesd and of Oft mreet. Ya we e
a
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baepeCCerm wowar.d.TMpta.ae eve lira
receive ¦ Crack of $0, pr Ahmed rake kw go raab. d W-0 ft.
eapYYen watwmM erlbmmmb mmrestM our
banam and trice. was dry ,mamma Vou mesisrp a McMm RWWWI under ssMm 4-
(rag W MI do paad You eN rat recelre any credit k M raids a destroyed, fie
ooMad
cry. or you one b dahuk. You all not No" any cradl S bit crew is
ga„r
S1
Ives urn f,.Gg.
NON-IIODIFICATDM DISCLOSURE
AN drop. in w p g
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YOU ACKNOWLEDGE THAT YOU HAVE READ AND AGREE TO BE BOUND •BY THE ARBITRATION PROVISION ON
THE REVERSE SIDE OF THIS CONTRACT.
The Am- Percentage Rae may be moon=
lellh the Sher. The Sow may, mien this contact and may nebetn
ft right to receive a pos Ban of The FI CINe.
r
Do not sign this contract In blank You ale entitled to an exact copy of the contract that you sign.
Keep N to protect your legal rights.
alPls? Bo X
Buyer (and Co-Buyer) acknovrtedge that (I) before al InB this cantradt, Buyer (and Co-Buyerffi )
=and reviewed a true and eotryDlelety Nit In copy Of Is contract and. (N) at the
alIMHg the contract. Buyer (and C Uyer) r='0ed a true and COMPleisly filled inn cmle
contract tins of
mPr -?/? X
seed FOR RUTH FORD. T1[. yyy n. ypD rr•74f.
THIS CONTRACT IS NOT VALID UNTIL YOU AND SELLER NIGH IT.
ASSKiNMENT
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To ariWr Arrrne• roe ei• a•ersec eve .F BOB 82i 7850 a vMm der ..ear r
eerrY w Yt. RW 54
a maid +r ran r ri SEE orHER ME FOR AOaraNAL AGREEMENTS
LIABLfTV INSURANCE COVERAGE
FOR FIDDLY BLNIRY AND PROPERTY
DAMAGE CAUSED TO OTHERS 1S NOT
INCLUDED.
CREDIT LIFE, CREDIT DISAIILRY AND
OTHER OPTIONAL INSURANCE ARE
NOT REOLMM TO OBTAIN CREDIT
AND MILL NOT BE PROVIDED UNLESS
YOU SIGN AND AGREE TO PAY THE
PREMIUM.
Credit
OLIN
{AInsurance Company
f r7ann Insured(S)
You want Credit We Insurance.
Buyer Signs
Co-Buyer Signs
Credit
0 DIpbIHIy
Irrrmar,a Company
$ N/A
Prvdum Inaumd(s)
You ward Credit Disability uaurance.
Buyer Signs
Co-Buyer Signs
OTHER OPTIONAL 015URANCE
Cones snit Pamun and
krrmarb• Caro•ra Tam b Malls
i
By
t N/A
By_ NOA
You was. da ap"n" Msuarce Nor waits
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Co•9ryer Sans
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Jan 30 2009 11:20AM Ford Motor Credit
717-783-8106 Line 1
Ford Makes Credit Company
8642545736 p.2
12:06;03 p.m. 27-01-2M 2 l2
VOLUNTARY EUFWMDE
I d• aeo L
i-1.
TO: Fond Motor Credit Company
I voluntarily surrender to you possession of the property described above. I understand that unless i redearn
the p roper'r It may be sold. If the sale, price does not cover the balance duce plus sale expo nsee. I will pay
you or the dealer the dlfEeronce. It the sale price to greater then the balance due plus salt esxpernsoa, I will be
entitled to receive the surplus, 9y signing this four I am not waiving my right to redeem the property or to be
advised of any propoaad sale of the property before It is sold
You are authorized to cancal any insurance on the vehicle Orin the oontract and apply any refund of premiums
to the unpaid balance. I have left no items of personal property in or on the property described above.
FM= 7176-e AW fW heviore FAIa" Mry N Use& - - -
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'"PRN•••
Ford Motor Credit Company
P.O. Box 17948
GREENVILLE, SC 29606.8948
(877) 805-7187
POPFI000200027
SCOTT B. SHAFFER
726 ALLENVIEW DR
MECHANICSBURG PA 17055
Date of Repossession 02-04-2009
Date of Notice
02-05-2009 Date of Contract
0414-2006
Account Number: 040584126
Buyer SCOTT B. SHAFFER
Cobuyer
DESCRIPTION OF PROPERTY
Year
2006 Make
FORD Q New
? Used
Vehicle Identification Number:
1FMYU93176KC04318
Model
ESCAPE Body
4DR
NOTICE OF OUR PLAN TO SELL PROPERTY
We have your property described above because you broke promises in our agreement.
I?
I.
S
?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 Tane 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 attomey's fees and legal expenses if
permitted by law) will reduce the amount you owe. If we get
less money than you owe, you will still owe us the difference. If
we get more money than you owe, you will get the extra money,
unless we must pay it to someone else.
You can get the property back at any time before we sell it by
paying us the full amount you owe (not just the past due
payments), including our expenses. See How To Get Your
Property Back for an itemization of amount owing. To learn the
exact amount you must pay, call us at the telephone number
above.
If you need more information about the sale call us at the
telephone number above, or write us at the address above.
If you want us to explain to you in writing how we have figured
the amount that you owe us, you may call us at the telephone
number above, or write us at the address above and request a
written explanation.
We are sending this notice to the following people who have an
interest in the property described above or who owe money under
your agreement: 1) The buyer and any cobuyer named above;
2) Any dealer/original creditor named below; 3) If there are other
people, they are named on an attachment sent with this notice.
The property is presently stored at: MANHEIM 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 $ 21,774.50
Plus Costs: Repo Expenses $ 20000
Plus Late Charges
Less Finance Charge Rebate
Less Insurance Premium Rebate
TOTAL
$
$
$ 30.60
$ 22,005.10
(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 ft's
actually sold.
If you do, we'll have no further claim on ft. But the longer you waft, 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 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 (01 Exchange, LLC) its rights (but riot 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 midge 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.
BELINDA VEGA
FFNA 11988-37 Jan 02 Pwous editions may NOT be used. CUSTOMER/CUSTOMER FILE
Pnnt.d,n U.S.A.
Ford Motor Credit Company
P.O. Box 17948
GREENVILLE, SC 296064"
(877) 8057187
POPFl CO0200027
SCOTT B. SHAFFER
726 ALLENVIEW DR
MECHANICSBURG PA 17055
1111 1111111111 11111111111113111111 1111111111111
7190 0640 0010 0090 8108
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'Ford Motor Credit Company
P O BOX 17948
GREENVILLE SC 29606-7948
877 8057187
DATE: 2009-04-08
POR2W000100053
SCOTT B. SHAFFER
726 ALLENVIEW DR
MECHANICSBURG PA 17055
STATEMENT OF SALE
Account Number: 040584126
The following property has been sold.
Year Make Model
2006 FORD ESCAPE
Balance owing on your contract
Deduct: Finance Charge Rebate
Balance less Finance Charge Rebate (1 - 2)
Deduct: gross proceeds of the sale
Balance less gross proceeds of the sale (3 - 4)
Add: Expenses of retaking and storing, and
any attorneys' fees allowed by law, and
expenses of reconditioning and selling.
Deduct: Insurance Premium Rebate
Vehicle Identification Number:
1FMYU93176KC04318
(1) $ 21,805.10
(2) $ 0.00
(3) $ 21.805.10
(4) $ 10,700.00
(5) $ 11,105.10
(6) $ 420.00
(7) $ 0.00
Other: (8) $ 0.00
(9) $ 11525.10
Deficiency"
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 difference will be mailed to you.
** If the sale resulted in a deficiency, you should immediately remit the amount shown on line 9 to the address for
payments shown below.
For additional information call or write: Mail deficiency payment to:
Ford Motor Credit Company Ford Motor Credit Company
P.O. BOX 6508 DEPT 194101
MESA ARIZONA 85216-6508 P.O. BOX 55000
(800) 732-2264 DETROIT MI 48255-1941
FFNA11990 01104 Previous editions may NOT be used.
?l44 .t
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08.50 PO ATj
ale* IS433
12Y?' a3a o?18
R Thomas Kline
Sheri
Ronny R Anderson
Chief Deputy
Jody S Smith
Civil Process Sergeant
Edward L Schorpp
Solicitor
Sheriffs Office of Cumberland County
RLED-OFFICE
OF THE PPOTHION TWY
0101" °t Cujrrbrrf14#
, 2099 OCT 29 APB 10: 10
OFFICE Q€ THE S-MFP
Ford Motor Credit Company
vs.
Scott B. Shaffer
Case Number
2009-6952
SHERIFF'S RETURN OF SERVICE
10/27/2009 07:58 PM - Dennis Fry, Deputy Sheriff, who being duly sworn according to law, states that on October 27,
2009 at 1958 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Scott B. Shaffer, by making known unto Renee Shaffer, wife of defendant at 726
Allenview Drive Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same
time handing to her personally the said true and correct copy of the same.
SHERIFF COST: $37.00
October 28, 2009
SO ANSWERS,
R THOMAS KLINE, SHERIFF
By
Deputy Sheriff