HomeMy WebLinkAbout09-8663ARBITRATION MATTER
ASSESSMENT OF DAMAGES
HEARING NOT REQUIRED
MAURICE & NEEDLEMAN, P.C.
BY: Joann Needleman, Esq.
Identification No. 74276
arlene A. Taylor, Esq.
Identification No. 203920
935 One Penn Center
1617 John F. Kennedy Blvd
Philadelphia, PA 19103
Attorneys for Plaintiff
/69-"/ 155
FORD MOTOR CREDIT COMPANY, A
DELAWARE LIMITED LIABILITY COMPANY
P.O. Box 6508
Mesa, Az 85216-6508
Plaintiff,
V.
SHELIA M SUDERS
60 Rustic Drive
Shippensburg, Pa 17257
JEFFERY L SUDERS
60 Rustic Drive
Shippensburg, Pa 17257
Defendant(s).
CUMBERLAND COUNTY COURT OF
COMMON PLEAS O'l-vit Case No. ? - SW3 WrIM
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 corte en forma escrita sus
defensas o sus objeciones a ias 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 demands.
Usted puede perder dinew 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 St NO TIENE EL DINERO
SUFICIENTE DE PAGAR TAL SERVICO, VAYA EN PERSONA
O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION
SE ENCUENTRA ESCRITA ABAIO 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
(21b) 789-7155
FORD MOTOR CREDIT COMPANY, A
DELAWARE LIMITED LIABILITY
COMPANY
P.O. Box 6508
Mesa, Az 85216-6508
Plaintiff,
V.
SHELIA M SUDERS
60 Rustic Drive
Shippensburg, Pa 17257
JEFFERY L SUDERS
60 Rustic Drive
Shippensburg, Pa 17257
Defendant(s).
CUMBERLAND COUNTY COURT OF
COMMON PLEAS
Case No. 0 q - R6 6,3 Ct; : -7-t,.,
CIVIL ACTION COMPLAINT
I. 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, Shelia M Suders, is an individual who resides at 60 Rustic Drive
Shippensburg, Pa 17257.
3. Defendant, Jeffery L Suders, is an individual who resides at 60 Rustic Drive
Shippensburg, Pa 17257.
4. 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.
5. On or about February 15, 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 $25397.52 at an annual percentage rate of 1.900%, in order
to purchase a certain motor vehicle, 2007 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.
6. Pursuant to the Contract, Defendant(s) was required to make monthly payments in
the amount of $273.17 for a period of 72 months until the loan was paid in full all as is more
fully set forth in the Contract.
7. Defendant(s) made monthly payments until December 11, 2008, but has failed to
make any further payments thereafter, and are therefore in default of the Contract.
8. 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.
9. 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 $11900.00, however a balance of
$4424.19 is still due and owing.
10. 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.
11. In addition to the foregoing, there is interest due and owing on the deficiency
balance which at this time amounts to $68.17 and which will continue to accrue.
12. The total amount due and owing at the time of the filing of this complaint is
$4492.36.
WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant(s), in
the amount of $4492.36, well as any additional interest and costs that may accrue and such other
and further relief as this Court may deem equitable and just.
su
MAURIOEWEDLEMAN, P.C.
AYLOR, ESQUIRE
Date: December 10, 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: December 10, 2009
PENNSYLVANIA SU1PLF UlTFRFCTecaelrrearr.n ...M.....?... ?....__? In/tv>nm
1-000 727
M r IaM Co-&ryarl bone ao Adaasa (In as nB Caaw elo
2?1
,
) Sx11ER C" B's tea. Meae and AMerl
.
N SUDERS
HEL
IA
PARSONS INTERSTATE FORO LL[
J JEFFERY L SUDERS 196 NALNUT BOTTOM RO
IlMB
iMf
The "-I (as, CO6uy«,
N 0 RUSTIC DRIVE
SHIPPENSBURG PA 17257
aryl a rderrr to tl'yau" a your evlaw SHIPPENSBURG, PA 1725'
b as've
" nu" a er
"Y
.
.
r
ou, mer a!rv ter oesebb
eemn b «eh a On seed t. The Cash pram is aide babw tl'Cash Ploe' Tse aer Inks, a Unan bNp. as'TOW 6r Pura' fiy sewng na lalltraa, you
snowman nr[ raid. m a.dil alder ne aPesa«w m m. Ilse w ear a mle rmreap.
IF NewNced tli F12 Venc , denNfiwlce Navice, uv, «-ch ESCAPE ? vernal ? A,-1
W1 ;.L
ON OF AMOUNT FINANCED INSURANCE
f (t) YOU ARE REQUIRED TO INISUTRE THE
1. Cash Prins .... ._..._.__......._....._........ ..........._..... 23329.00
VEHICLE YOU MAY OBTAIN VEHICLE
2- D- P.,-t INSURANCE FROM A PERSON OF
Third Parr Aabte Assigned to Sales .......... _._.... _......____f _ YOUR CHOICE.
Cash D«w+P.P+«nt...... ........... _._....... ....... .._.-..._..._._..S?pspp_pp. WARY IFISWANCE COVERAGE
TredNn--?SS?jti2Sy FOR GODLY MDRY AND PROPERTY
DAMAGE CAUSED TO OTHERS LR NOT
TOW D«Yn P.rrnanR.,,,_.__.............. _............ ..... _.__.._S f tnnn nn ? n?cwom.
3. Unpaid BalErwa of Call Priers, (1 MMS 2) ._........ ............... S._L2329_IJD I3) CREDIT LIFE, CREDIT DISABILITY AND
a. Amounts Palo pre your ba1M (SN« my be retaining a potion a a- aa«am)
To Public OfNWM OTTER OPTIONAL INSURANCE ARE
NOT NOT T TO OBTAIN CREDIT
re
(i) for icerue I( 6, 09 I. Nla R 22 SA- ). 8 AND WILL ILL NOT BE PROVIDED UNLESS
rBglNralAlll R q 7, pp ). bee f ii !ii YOU SMAh AND AGREE TO PAY THE
(ii) for M,rg Is. S UAA PREMIUM.
(iii) for bcas (M in Cash Prim) f &30.-4f.-- f Credit
To Insurance Cnnlpeaw M: ? Lite
Crada LBe I.-- (I., term a 0onbacl),______._.__...... S VIA Irmure i ce Company
Great drlabelty Inawalae (err rm a Iwnbea) __.___._. S N!A $ N/A
(I-_Momhs)._._.-A No Premum Insureds)
(Term _ Ma+ne).__._.S N!A You want Credit Lite Insurance.
TO RAR591J?WTERSTAT acv DOC FLc f 55 00
- f M!A
To -- for S II/A Buyer Signs
To-_ Iw f NAA
Tc__ to f n!n
To brALOAUVL_-EWISy-$ C>]n ]> Co-BUyer 6igr+s
_...... _............. _--.-_..... --------- f 6>-211 68 (4)f. Amount FlnanNatl (9 pure 4)._._._.._-._.._..._._.._..._._._. +ocen eQ Claude
......_.... f G)
? dMMIXy
FEDERAL TRUT141N-LENDWO DISCLOSURES Illwrerlce S NIA Company
ANNUAL FINANCE Amount Total of
TOMI Sak Nunn- Insureds)
PERCENTAGE CHARGE Financed Paymsras Price You warn Cram Disability Isom uca.
RATE The roar anialea Tha rmwd a TM asab TM aao con
Na alas paldel Y-- es, NW a few aaav r
cl.dY Y a wnY ?aM rnG ra m a m py0 wM you aaJX.
aoM ? Ym bheX ?acnaM?irr Buyer $Ip19
perms i -$41000_00--
_% f + n] Cc ? f1pGGQ >d f >GTQ] G>
Co-Buyer Sqs
r
IAarlaar r ? Alnwa r rwrn+ena ylaan iw OTHER OPTIONAL Na9URANCE
Di>elww ?aerAan ? and
2 kasX f Ison inn NMlu
OA
BUi
N?A
Pramaa+b Xyou PaysNMan drrae, ymepl,wrwbperaroue". $ N/A
a1- bear vmwpwlassecow Nelmsie-vsasks,w,m«.d.
Ire mysei: +rOa ear per s lee a,.pr mepaaa a..en IeyTnarll ,«rwd ma. e+.,, w
owe I.I.. Tie dame a 2.0 -' a ne lea BY
Carvr.af Plsw w w eaance b addaeml b0,rwon co seedy brass, Oeaewwc You vent see opewat assurance ton which
IwalM ewiev rsasmwil a yan debt MI bra. fe adeeuba dale, see Premkane w.+aua ubpvc.
j
I
It you do not inset your conts a obligations, you may RCM your Vehicle, as wet
as bona owls and g00tls out on your values, and money or plods received for Buyer 81Bns
your .
BALLOON CONTRACT PRMSIONS
? Your era iewmaf pe rrant Inner ass, ccnfaa is . be%- pay-. Coeuver sips
k+aaras w
ENCUS VITArt. UM AND MLEAGE CHARGES
0 M Don scantly supra is checked, an section, Paragraph S. end Paragraph C a r the ?n a she emmel The seem end
-nuous is, Y w achy in • neaas «arrasa
trio "'e"'
this contract apply. You may be dr-pad err aasesnre -1 based upon our usicn e a -
1a --I was. II you a emae the Bba+ is, Y. Yaey'
00. .1 fa Dock b Baser under Cease and p""" P.rap B. Pm caretpay tie Bear M. N/ NIA P«inue mAe ha seal mile r axasee ? pea daeamlee Mare ABbn eve M".." vehicle lI
a MIA NIA ilea ehown co eve oddrtlebr. II Yr doe a dwObd Y. -- aaaetld a bid
EXTRA RELEASE OPTION CREDIT anOaYNm ears. Palace a this ouvrapl b
9 on ca¦raa eonfra a bapon payrrwll (as vaiceed above). and you fm op aal m b not reveres b Darr caul. The
aasrv.d your opon to sell the vehicle 10 the Saar wider Paragraph B. fr keme endaMtlweaM des rwarrion aeirsr
set had, in se cease Adoev en and, b
parapeph ?aapOse a yca prlbap At the so edubd and Of an coneea. You wN nlcolpaaad no MOaeaa. The PliOSbae Wd
r«wya . 00 $0, II/A P%M-d nib err fa nalDer a wrla.d rtrx am«YrmwlwrbMM+On o,Y anveanuro
/M
bat- _ ale
Haas, bEC any creche, YW Xe?Mbn a Aman+ Falelrad war rabn 1.
Owe ulcer ovs contract. YOU are rot raceNe any a.a N see ewae le destroyed, ale
mrecl .ma early, or you era a Mewl. YOU 14 not rambe any Dean a the peal is
gars
as, than $1.00. sIP?
NON-k$=FICATON DISCLOSURE
Aer awes a N --awl W b rang eat alped all you rev tie ern.
w„er Xdtl)a
YOU ACKNOWLEDGE THAT YOU NAVE READ AND AGREE TO BE BOUNDBY THE ARBITRATION PROVISION ON
THE REVERSE SIDE OF THIS CONTRACT.
The Annual Percentage Raid may be IIB9eWtad with on Seller. The Beier may Melpl this cdntrM rid may retain
ice right to receive a Portion of the Rnence Charles.
NOTICE TO BUYER
Do not sign this contract In (Hank You are entitled to an exact copy of the contract that you sign,
Keep H to protect your legal rights.
lU Lin x'! ?xJStL? _x
r
Buyer (and Co-Buyer) acknowledge that (1) before sfanin0 Mdse I:OatriGtr Buyer (Brad Co"Buyer)
rresitred and reviewed a blue and compki Riled in copy of this contract and (11) at the time of
sidnleo Shish Buyer (and Ca-Buyer) received a true and completely celled in Copy of this
comraet.
arrr PARSONS INTERSTATE FO%IIC t1w
Tla6 CONTRACT IS NOT VALD LWM- YOU AND SELLER OWN IT.
ASSIGNMENT
arbr everseer rb eeeaw a aeaser Preen. Ter a- er ever Aeev mere ftes, «rasa and rwer?
sear. wgrri aiemwrea TORO MOTOR CREDIT" Metp+af aelea'fe
T. cowl AerPas red fie sea.est err 1 1100 727 7000 PAarpae" «
WV. FOROL'REOIT [Oh -' wrd+raaMasr
s.rr PARSONS INTERSTATE FORDer LLj(
- Tee.
w + - 9EE OTHER Bast FOa PDgT10UL AanIw-
ORM"
PLY 1 - OMONAL PLY'2 - BUYERS COPY PLY 3 - COMUYEMMR4MIOR COPY PLY a" SELLER'S COPY (WWTRAM RUW
.
\-71
ADERIONAL AGREEMENTS
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"'PRN"'
Ford Motor Credit Company
P.O. Box 31111
TAMPA, FL 33631-3111
(877) 349-5260
P0NMK8W200048
SHELIA M. SLIDERS
60 RUSTIC DRIVE
SHIPPENSBURG PA 17257
Date of Repossession 11-24.2008
Date of Notice
11-25-2008 Date of Contract
02-15-2007
Account Number: 042025455
Buyer SHELIA M. SLIDERS
Cobuyer JEFFERY L. SLIDERS
DESCRIPTION OF PROPERTY
Year
2007 M Q New
? Used
Vehicle Identification Number:
1FMYU92Z97KA42779 -
Model
7
ESCAPE
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 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.
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.
The property is presently stored at: MANHEIM PA 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 $ 15,577.29
Plus Costs: Repo Expenses $ 370.00
$
Plus Late Charges
Less Finance Charge Rebate
Less Insurance Premium Rebate
TOTAL
$ 21.71
$ 15,969.00
If you want us to explain to you in writing how we have figured (Plus expenses incurred if default at the time of repossession exceeded
15 days and less rebate received after the date of this notice.)
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 Your property won't be sold until 15 days after the date of this notice at
the EARLIEST
Aft
written explanation. .
er that you can still get it back any time before its
actually sold.
We are sending this notice to the followin who have an
9 people If you do, we'll have no further claim on it. But the longer you waft, the
I more costs (including repairs) you may have to pay
interest in the property described above or who owe money under .
If you have any questions about this, please call us.
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.
U The property has been (or will be) returned to:
(dealer/odginal creddor)
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 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.
BELINDA VEGA
FFNA 11988-37 Jan 02 Previous edmons may NOT be used. CUSTOMER/CUSTOMER FILE
Printed in V.S.A.
"'PRN"'
Ford Motor Credit Company
P.O. Box 31111
TAMPA, FL33631-3111
(877) 349.5260
PONW800200052
JEFFERY L. SUDERS
60 RUSTIC DRIVE
SHIPPENSBURG PA 17257
Date of Repossession 11-24-2008
Date of Notice
11-25-2008 Date of Contract
102-15-2007
Account Number: 042025455
Buyer SHELIA M. SLIDERS
Cobuyer JEFFERY L. SLIDERS
DESCRIPTION OF PROPERTY
Year
2007 Make
FORD ?x New
? Used
Vehicle Identification Number:
1FMYU92Z97KA42779
Model
ESCAPE Body
4DR
NOTICE OF OUR PLAN TO SELL PROPERTY
We have your property described above because you broke promises in our agreement.
s
PRIVATE SALE: We will sell the property described 0 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 PA 11 go
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 $ 15,577.29
Plus Costs: Repo Expenses $ 370.00
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 underi
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.
$
a
Plus Late Charges $ 21.71
Less Finance Charge Rebate $
Less Insurance Premium Rebate $
TOTAL $ 15.969.00
(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 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, well 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 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.
BELINDA VEGA
FFNA 11988-37 Jan 02 Previous edttions may NOT be used.
Panted ,n us.A. CUSTOMER/CUSTOMER FILE
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FCUS
Ford Credit
P.O. Box 17948
Greenville, SC 29606-8948
APRIL 12, 2009
SHELIA M SUDERS
60 RUSTIC DRIVE
SHIPPENSBURG, PA 17257
ACCOUNT NUMBER: 00000042025455
YEAR: 2007 MAKE: FORD MODEL: ESCAPE
VIN: 1FMYU92Z97KA42779
DEAR CUSTOMER:
BELOW IS THE ITEMIZE D HISTORY OF YOUR ACCOUNT BEGINNING WITH THE CONTRACT DATE
OF 02/15/07 AND REFLECTING ACTIVITY THROUGH 04/10/09.
CURRENT ACCOUNT STATUS
NUM
CURR LATE LATE OTHER OTHER
PMTS CURRENT CHARGES CHARGES FEES FEES
RATE DUE DATE REM BALANCE AMT DUE ASSESSED DUE ASSESSED DUE
1.90 12319999 0 0.00 0.00 75.93 0.00 579.42 0.00
INVOICE TRANS DAYS TRANSACTION ---------- TRAN DESCRIPTION - --------- PRINCI PAL
DUE DATE DATE LATE
---- ---------- AMOUNT PRINCIPAL INTEREST
- - - -------------- FEES BALANCE
02/15/07 ---- - -------------------
18560.68 CONTRACT AMOUNT --------- ------
18560
.68
04/01/07 03/22/07 0 273.17 239.3E 33.81 0.00 18321 .32
05/01/07 05/07/07 6 273.17 229.30 43.87 0.00 18092 .02
06/01/07 05/23/07 0 274.00 258.93 15.07 0.00 17833. 09
07/11/07 5.45 FEE ASSESSMENT 17833. 09
07/01/07 07/12/07 1 1 273.00 225.92 46.42 0.66 17607. 17
08/13/07 5.46 FEE ASSESSMENT 17607. 17
08/16/07 EXTENSION
17607.
17
08/16/07 5.46 FEE ASSESSMENT 17607. 17
ACCOUNT NUMBER: 00000042025455
FCUS
APRIL 12, 2009
SHELIA M SUDERS
60 RUSTIC DRIVE
SHIPPENSBURG, PA 17257
INVOICE TRANS DAYS TRANSACTION --- ------- TRAM DESCRIPTION ---------- PRINCIPAL
DUE DATE
------- DATE LATE
- -------------- AMOUNT
--------
- - - PR
---- INCIPAL
--- INTEREST FEES BALANCE
08/16/07
10
.25
FEE ---- ---
WAIVEL - ------------ ------ - --- -- - -
17607.17
10/11/07 5 .46 FEE ASSESSMENT
17607.17
10/01/07 10/25/07 24 288 .63 181.48 96.23 10.92 17425.69
11/12/07 5 .37 FEE ASSESSMENT 17425.69
11/01/07 11/16/07 15 280 .00 254.67 19.96 5.37 17171.02
12/11/07 5 .34 FEE ASSESSMENT 17171.02
12/01/07 12/28/07 27 273. 00 230.12 37.54 5.34 16940.90
01/11/08 5. 45 FEE ASSESSMENT 16940.90
01/01/08 02/04/08 34 273. 17 239.75 33.42 0.00 16701.15
02/11/08 5. 45 FEE ASSESSMENT 16701.15
02/01/08 03/03/08 31 280. 00 255.72 24.28 0.00 16445.43
03/11/06 5. 35 FEE ASSESSMENT 16445.43
04/11/08 5. 43 FEE ASSESSMENT 16445.43
03/01/08 04/14/08 44 274. 00 238.14 35.86 0.00 16207.29
04/21/08 EXTENSION
16207.29
04/21/08 5. 46 FEE ASSESSMENT 16207.29
06/01/08 05/09/08 0 280. 00 243.99 21.03 14.98 15963.30
07/11/08 5. 46 FEE ASSESSMENT 15963.30
07/01/08 07/14/08 13 266. 00 218.47 54.70 12.83 15744.83
08/11/08 5. 46 FEE ASSESSMENT 15744.83
08/01/08 08/15/08 14 290. 00 253.60 26.15 10.25 15491.23
ACCOUNT NUMBER: 00000042025455
FCUS
APRIL 12, 2009
SHELIA M SUDERS
60 RUSTIC DRIVE
SHIPPENSBURG, PA 17257
INVOICE TRANS DAYS TRANSACTION ---------- TRAN DESCRIPTION ---------- PRINCIPAL
DUE DATE
---- DATE LATE
--------------- AMOUNT
------------ PRINCIPAL INTEREST FEES
------- BALANCE
08/15/08
290.00- - -------------------------------
PAYMENT REVERSAL -----
15744.63
08/01/08 09/02/08 32 280.00 239.14 40.86 0.00 15505.69
09/11/08 5.34 FEE ASSESSMENT
15505.69
10/13/08 5.45 FEE ASSESSMENT 15505.69
09/01/08 10/31/08 60 274.00 226.51 47.49 0.00 15279.18
10/31/08 274.00- PAYMENT REVERSAL 15505.69
11/11/08 5.46 FEE ASSESSMENT 15505.69
11/24/08 370.00 FEE ASSESSMENT 15505.69
09/01/08 12/11/08 101 257.00 176.50 80.50 0.00 15329.19
12/11/08 13.69 RECOVER NONACCR 15329.19
02/02/09 41.00- PAYMENT REVERSAL 15329.19
02/02/09 41.00- PAYMENT REVERSAL 15329.19
02/02/09 41.00- PAYMENT REVERSAL 15329.19
02/02/09 41.00 FEE ASSESSMENT 15329.19
02/06/09 11500.00 SALES PROCEEDS 15329.19
02/06/09 1.24 DEC NONACC ADJ 15329.19
02/06/09 4.69 DEC NONACC ADJ 15329.19
02/06/09 59.13 DEC NONACC ADJ 15329.19
02/06/09 11500.00 POST AUCTION 3829.19
02/06/09 85.00 ASSESS DISB FEE 3829.19
02/06/09 72.50 ASSESS DISB FEE 3829.19
ACCOUNT NUMBER: ..0000004202545
FCUS
0 ACCOUNT NUMBER: 00000042025455
APRIL 12, 2009
SHELIA M SUDERS
60 RUSTIC DRIVE
SHIPPENSBURG, PA 17257
INVOICE TRANS DAYS TRANSACTION ---------- IRAN DESCRIPTION ------ ---- PRINCIPAL
DUE DATE DATE LATE
---------------- ------ AMOUNT
------------ PRINCIPAL INTEREST FEES
------ BALANCE
02/10/09
11.95 ----------- ----------------
DECR UNEARNED -------- -
3829.19
02/10/09 49.78 DECR UNEARNED 3829.19
02/10/09 1.44 DECR CYC CUR UN 3829.19
02/10/09 4424.19 CHARGEOFF 0
00
IF YOU HAVE ANY QUESTIONS CONCERNING THIS HISTORY, PLEASE FEEL FREE TO .
CONTACT
US AT: ( 800 ) 727-7000.
SINCERELY,
CUSTOMER SERVICES REPRESENTATIVE
FCUS
Ford Credit
P.O. Box 17948
Greenville, SC 29606-8948
FEBRUARY 10, 2009
SHELIA M SUDERS
60 RUSTIC DRIVE
SHIPPENSBURG, PA 17257
ACCOUNT NUMBER: 00000042025455
YEAR: 2007 MAKE: FORD MODEL: ESCAPE
VIN: 1PMYU92Z97KA42779
DEAR CUSTOMER:
BELOW IS THE ITEMIZED HISTORY OF YOUR ACCOUNT BEGINNING WITH THE CONTRACT DATE
OF 02/15/07 AND REFLECTING ACTIVITY THROUGH 02/10/09.
*i+#}+**+i*}i#*i**+**iii*i**#**+**}**}i**ii##*k*#**#*+*i*#i**Y#*
*}i#*#*ii#
}}i*ii
CURRENT ACCOUNT STATUS
NUM
CURR LATE LATE OTHER OTHER
PMTS CURRENT CHARGES CHARGES FEES FEES
RATE DUE DATE REM BALANCE AMT DUE ASSESSED DUE ASSESSED DUE
1.90 12319999 0
i#+*i#*i+* 0.00 0.00 75.93 0.00 579.42 0.00
**t*##**}* *#**}+**#*##*#****k****##ix*}*##k**i####*ti#}}i*ii}*}i *i4**i
INVOICE TRANS DAYS TRANSACTION ---------- TRAN DESCRIPTION - --------- PRINCIPAL
DUE DATE DATE LATE
------------- AMOUNT PRINCIPAL INTEREST
---------- ----- - --- FEES BALANCE
02/15/07 -------------------------
18560.68 CONTRACT AMOUNT --------- ------
18560.68
04/01/07 03/22/07 0 273.17 239.36 33.81 0.00 18321.32
05/01/07 05/07/07 - 6 273.17 229.30 43.87 0.00 18092.02
06/01/07 05/23/07 0 274.00 258.93 15.07 0.00 17833.09
07/11/07 5.45 FEE ASSESSMENT 17833.09
07/01/07 07/12/07 i t 273.00 225.92 46.42 0.66 17607.17
08/13/07 5.46 FEE ASSESSMENT 17607.17
08/16/07 EXTENSION
17607.17
08/16/07 5.46 FEE ASSESSMENT 17607.17
ACCOUNT NUMBER: 00000042025455
FCUS
ACCOUNT NUMBER: 00000042025455
FEBRUARY 10, 2009
SHELIA M SUDERS
60 RUSTIC DRIVE
SHIPPENSBURG, PA 17257
INVOICE TRANS DAYS TRANSACTION ---------- TRAN DESCRIPTION ---------- PRINCIPAL
DUE DATE DATE LATE
------- - ----- - - AMOUNT
- - ---------- PRINCIPAL
----- INTEREST FEES BALANCE
08/16/07
10.25 ----------
FEE WAIVED - ------------ ------------ - - -
17607.17
10/11/07 5.46 FEE ASSESSMENT 17607.17
10/01/07 10/25/07 24 288.63 181.48 96.23 10.92 17425.69
11/12/07 5.37 FEE ASSESSMENT 17425.69
11/01/07 11/16/07 15 280.00 254.67 19.96 5.37 17171.02
12/11/07 5.34 FEE ASSESSMENT 17171.02
12/01/07 12/28/07 27 273.00 230.12 37.54 5.34 16940.90
01/11/08 5.45 FEE ASSESSMENT 16940.90
01/01/08 02/04/08 34 273.17 239.75 33.42 0.00 16701.15
02/11/08 5.45 FEE ASSESSMENT 16701.15
02/01/08 03/03/08 31 280.00 255.72 24.28 0.00 16445.43
03/11/08 5.35 FEE ASSESSMENT 16445.43
04/11/08 5.43 FEE ASSESSMENT 16445.43
03/01/08 04/14/08 44 274.00 238.14 35.86 0.00 16207.29
04/21/08 EXTENSION 16207.29
04/21/08 5.46 FEE ASSESSMENT 16207.29
06/01/08 05/09/08 0 280.00 243.99 21.03 14.98 15963.30
07/11/08 5.46 FEE ASSESSMENT 15963.30
07/01/08 07/14/08 13 286.00 218.47 54.70 12.83 15744.83
08/11/08 5.46 FEE ASSESSMENT 15744.83
08/01/08 06/15/08 14 290.00 253.60 26.15 10.25 15491.23
FCUS
ACCOUNT NUMBER: 00000042025455
FEBRUARY 10, 2009
SHELIA M SUDERS
60 RUSTIC DRIVE
SHIPPENSBURG, PA 17257
INVOICE TRANS DAYS TRANSACTION ---------- TRAN DESCRIPTION ---------- PRINCIPAL
DUE DATE DATE LATE
---- - - ---- AMOUNT
- - -------- PRINCIPAL INTEREST
------ - FEES BALANCE
08/15/08
290.00 ----------------------
- PAYMENT REVERSAL ---------- ------
15744.83
08/01/08 09/02/08 32 260.00 239.14 40.86 0.00 15505.69
09/11/08 5.34 FEE ASSESSMENT 15505.69
10/13/08 5.45 FEE ASSESSMENT 15505.69
09/01/08 10/31/08 60 274.00 226.51. 47
49 0
00
. . 15279.18
10/31/08 274.00- PAYMENT REVERSAL
15505.69
11/11/08 5.46 FEE ASSESSMENT 15505.69
11/24/08 370.00 FEE ASSESSMENT 15505.69
09/01/08 12/11/08 101 257.00 176.50 80.50 0.00 15329.19
12/11/08 13.69 RECOVER NONaCCR 15329.19
02/02/09 41.00- PAYMENT REVERSAL 15329.19
02/02/09 41.00- PAYMENT REVERSAL
15329.19
02/02/09 41.00- PAYMENT REVERSAL
15329.19
02/02/09 41.00 FEE ASSESSMENT 15329.19
02/06/09 11500.00 SALES PROCEEDS 15329.19
02/06/09 1.24 DEC NONACC ADJ
15329.19
02/06/09 4.69 DEC NONACC .ADJ 15329.19
02/06/09 59.13 DEC NONACC ADJ 15329.19
02/06/09 11500.00 POST AUCTION 3829.19
02/06/09 85.00 ASSESS DISB FEE 3829.19
02/06/09 72.50 ASSESS DISB FEE 3829.19
FCUS
ACCOUNT NUMBER: 00000042025455
FEBRUARY 10, 2009
SHELIA M SUDERS
60 RUSTIC DRIVE
SHIPPENSBURG, PA 17257
INVOICE TRANS DAYS TRANSACTION ---------- TRAM DESCRIPTION -----
DUE DATE DATE LATE
AMOUNT -
PRINCIPAL INTEREST ----
PRINCIPAL
--------- FEES
---------- BALANCE
02/10/09
11.95 -------------- - --------
DECR UNEARNED - - -------
3829.19
02/10/09 49.78 DECR UNEARNED
3829.19
02/10/09 1.44 DECR CYC CUR UN
3829.19
02/10/09 4424.19 CHARGEOFF
IF YOU HAVE ANY QUESTIONS CONCERNING THIS HISTORY, PLEASE FEEL FREE TO CONTACT 0.00
US AT: ( 800 ) 727-7000.
SINCERELY,
CUSTOMER SERVICES REPRESENTATIVE
IL9 GI 16 F 1 f : t
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f
-?q (,A. Oo go I%T"M
cam' ?qa??l
P_x a3s Iola
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
R Thomas Kline
Sheriff
Ronny R Anderson
Chief Deputy
Jody S Smith
Civil Process Sergeant
Edward L Schorpp
Solicitor
2
F I W. WN&A W
2810 JAN -A AN Be. 45
oFf
Ford Motor Credit Company I Case Number
vs. 2009-8663
Shelia M. Suders
SHERIFF'S RETURN OF SERVICE
12/2912009 09:00 PM - Shawn Harrison, Deputy Sheriff, who being duly sworn according to law, states that on
December 29, 2009 at 2100 hours, he served a true copy of the within Complaint and Notice, upon the
within named defendant, to wit: Sheila M. Suders, by making known unto herself personally, at 60 Rustic
Drive, Shippensburg, Cumberland County, Pennsylvania 17257 its contents and at the same time handing
to her personally the said true and correct copy of the same.
12/29/2009 09:00 PM - Shawn Harrison, Deputy Sheriff, who being duly sworn according to law, states that on
December 29, 2009 at 2100 hours, he served a true copy of the within Complaint and Notice, upon the
within named defendant, to wit: Jeffrey L. Suders, by making known unto Sheila M. Suders, Wife of
defendant at 60 Rustic Drive, Shippensburg, Cumberland County, Pennsylvania 17257 its contents and at
the same time handing to her personally the said true and correct copy of the same.
SHERIFF COST: $62.00 SO ANSWERS,
oow401W 4e, to
December 30, 2009 R THOMAS KL SHERIFF
L
VP
By
De ty her1 f
!c Coun!p5uite Shenff. Tei2CSoft. Inc.
SKLAR - MARKIND
BY: Andrew Sklar
IDENTIFICATION NUMBER 65332
102 BROWNING LANE, BLDG B, SUITE 1
CHERRY HILL, NJ 08003
(856) 616-8710
Attorney for Plaintiff
File No.: FT113944
R0T110N0TAR'-,
2B12 MAR 21 PH 2: 06
CU PENN YLVANIA
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION - LAW
FORD MOTOR CREDIT COMPANY, a
Delaware limited liability Company
Plaintiff
No. 2009-8663
TERM
vs.
SHELIA M SUDERS AND JEFFERY L
SUDERS
Defendant
CIVIL ACTION
STIPULATION OF SETTLEMENT
This matter, having been amicably adjusted by and between the Plaintiff, FORD MOTOR
CREDIT COMPANY, a Delaware limited liability Company, and the defendant(s) , SHELIA M
SUDERS AND JEFFERY L SUDERS , by and through the undersigned, and the parties
wishing to settle all disputes by and between them, it is hereby stipulated and agreed as follows:
1. Plaintiff has filed/commenced, or is intending to file/commence, suit against Defendant(s) for
the sum of $4,034.33 inclusive of any and all applicable interest, attorney's fees, costs and other
expenses (collectively, the "Suit Amount"). Defendant(s) hereby acknowledge(s) proper service
of the Complaint and/or Writ of Summons (if suit is actually filed/commenced) and/or that this
stipulation (i) is a binding agreement notwithstanding whether suit is actually filed/commenced
and (ii) is subject to being filed therein if suit is actually filed/commenced at the sole discretion
of Plaintiff accordingly.
2. Defendant(s) hereby admit owing Plaintiff the Suit Amount, waive all defenses thereto
including the applicable statute(s) of limitation, and agree to pay Plaintiff the total sum of
$4,034.33 (the "Settlement Amount") to fully settle the Suit Amount by making payments of
$50.00 per MONTH beginning on or before February 23, 2012 and continuing on or before the
TWENTY-THIRD (23) day of each consecutive month thereafter pursuant to which MONTHly
payments the Settlement Amount must be timely paid in full - there is no grace ep riod. Payments
shall be made payable and sent to Sklar - Markind, 102 Browning Lane, Building B, Suite 1,
Cherry Hill, NJ 08003 with time being of the essence hereunder in all respects.
3. Anything to the contrary notwithstanding, and in the event that Defendant(s) fail(s) to make
the payments of the Settlement Amount as set forth herein, Plaintiff shall be entitled to the entry
of judgment in its favor and against Defendant(s), upon application being made to the Court by
way of Praecipe with an Affidavit from counsel for Plaintiff, and without notice to Defendant or
his counsel, for the Suit Amount less credit for any payments which may have been made
hereunder, plus any and all additional attorney's fees, interest, costs and other expenses to the full
extent permitted by law.
4. Defendant(s) expressly agree(s) that such judgment shall be for the Suit Amount as set forth
in Paragraph 3, above, and waive any and all objections, other opposition/challenges and/or
appeal rights thereto without limitation. Further Defendant(s) agree(s) to pay all reasonable legal
fees/costs to enforce this stipulation.
,(A )N Id z
SHELIA M SUDERS
Pro Se Defendant
Dated:
*Pre L S DERS
fendant
Dated:
SKLAR - MARKIND
Andrew Sklar, Esquire
Attorneys for Plaintiff
Dated:
/JH
, .
MAR 15 2012
Ya_
ILL
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, P f f?
,
FORD MOTOR CREDIT COMPANY, a : No. 2009-8663
Delaware limited liability Company
Plaintiff
VS.
SHELIA M SUDERS AND JEFFERY L
SUDERS
Defendant
:CIVIL ACTION
PRAECIPE FOR SUBSTITUTION OF COUNSEL
TO THE PROTHONOTARY:
tuu_Y1111
CwtuS(LVAM)k
Kindly substitute Daniel J. Santucci, Esquire of the law offices of Sklar - Markind, 102
Browning Lane, Building B, Ste 1, Cherry Hill, New Jersey 08003 as counsel for the Plaintiff in
the above entitted?tter. The undersigned hereby consents to this substitution.
Ilaniel J. Santucci, Esquire
Superseding Attorney
Sklar - Markind
102 Browning Lane, Bldg B, Ste 1
Cherry Hill, NJ 08003
ID # 92800
Dated: June 22, 2012
Joo?Needleman, Esquire*
Jthdrawing attorney
Maurice & Needleman, P.C.
935 One Penn Center
Philadelphia, PA 19103
ID#74276
Dated: June 22, 2012
* Signed with permission of Joann Needleman, Esq.
FILE NO.: FT113944
SKLAR - MARKIND
' BY: Andrew Sklar -?,
IDENTIFICATION NUMBER 65332
102 BROWNING LANE, BLDG B, SUITE 1 T
CHERRY HILL, NJ 08003 l 12 JUL 23 PM 4: 0 4
(856) 616-8710 tr
Attorney for Plaintiff ,"UMBE€?LAND CGUN Y
File No.: FT113944 PENNSYLVANIA
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION - LAW
FORD MOTOR CREDIT COMPANY, a
Delaware limited liability Company
Plaintiff
No. 2009-8663
TERM
VS.
SHELIA M SUDERS AND JEFFERY L
SUDERS
Defendant
CIVIL ACTION
STIPULATION OF SETTLEMENT
This matter, having been amicably adjusted by and between the Plaintiff, FORD MOTOR
CREDIT COMPANY, a Delaware limited liability Company, and the defendant(s) ,
SHELIA M SUDERS AND JEFFERY L SUDERS , by and through the undersigned, and
the parties wishing to settle all disputes by and between them, it is hereby stipulated and
agreed as follows:
1. Plaintiff has filed/commenced, or is intending to file/commence, suit against Defendar
for the sum of $3,904.51 inclusive of any and all applicable interest, attorney's fees, costs
other expenses (collectively, the "Suit Amount"). Defendant(s) hereby acknowledge(s)
proper service of the Complaint and/or Writ of Summons (if suit is actually
filed/commenced) and/or that this stipulation (i) is a binding agreement notwithstanding
whether suit is actually filed/commenced and (ii) is subject to being filed therein if suit is
actually filed/commenced at the sole discretion of Plaintiff accordingly.
2. Defendant(s) hereby admit owing Plaintiff the Suit Amount, waive all defenses thereto
including the applicable statute(s) of limitation, and agree to pay Plaintiff the total sum of
$3,904.51 (the "Settlement Amount") to fully settle the Suit Amount by making an initial
payment of $150.00 on or before July 30, 2012, and followed by payments of $100.00 per
MONTH beginning on or before August 30, 2012 and continuing on or before the
THIRTIETH (30) day of each consecutive month thereafter pursuant to which MONTHly
payments the Settlement Amount must be timely paid in full - there is no grace ep riod.
Payments shall be made payable and sent to Sklar - Markind, 102 Browning Lane, Buildin
B, Suite 1, Cherry Hill, NJ 08003 with time being of the essence hereunder in all respects.
3. Anything to the contrary notwithstanding, and in the event that Defendant(s) fail(s) to
make the payments of the Settlement Amount as set forth herein, Plaintiff shall be entitled
the entry of judgment in its favor and against Defendant(s), upon application being made t
the Court by way of Praecipe with an Affidavit from counsel for Plaintiff, and without not'
to Defendant or his counsel, for the Suit Amount less credit for any payments which may
have been made hereunder, plus any and all additional attorney's fees, interest, costs and
other expenses to the full extent permitted by law.
4. Defendant(s) expressly agree(s) that such judgment shall be for the Suit Amount as set
forth in Paragraph 3, above, and waive any and all objections, other opposition/challenges
and/or appeal rights thereto without limitation. Further Defendant(s) agree(s) to pay all
reasonable legal fees/costs to enforce this stipulation.
SKLAR - MARKIND
SHELIA M SUDERS
Pro Se Defendant
Andrew Sklar, Esquire
Attorneys for Plaintiff
Dated:
J D
o S D ndant
Dated:
Dated:
/M