HomeMy WebLinkAbout10-0441
RLED --0 -. _
{.c T?C U, I Jf'. GARY
2010 JAM 20 Fri ':54
NAUMAN, SMITH, SHISSLER & HALL, LLP
J. Stephen Feinour, Esquire
Supreme Court I.D. No. 24580
Joshua D. Bonn, Esquire
Supreme Court I.D. No. 93967
200 N. 3rd Street, 18th Floor Counsel For: GMAC
P. O. Box 840
Harrisburg PA 17108-0840
Phone: (717) 236-3010
Fax: (717) 234-1925
GMAC, : IN THE COURT OF COMMON PLEAS
Plaintiff : CUMBERLAND COUNTY, PA
V.
SCOTT A. MORRISON,
Defendant
. NO. 10 - 441 1-1 errn
: CIVIL ACTION
: ACTION IN REPLEVIN
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, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS
OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Bar Association
32 S. Bedford St.
Carlisle, PA 17013
Telephone: (717) 249-3166
(800) 990-9108 $ga,00 PU AM--/
GG* 36r105
NOTICIA
Le han 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. Usted debe presentar una apariencia escrita o en persona o por aboado
y archivar en 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 entrar una orden
contra usted sin previo aviso o notificacion y por cualquier queja o alivio que es pedido en la peticion
de demanda. Usted puede perder dinero o sus propiedades o otros derechos importantes para usted.
USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE.
SI USTED NO TIENE UN ABOGADO, LLAME O VAYA A LA SIGUIENTE OFICINA. ESTA
OFICINA PUEDE PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN
ABOGADO.
SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSIBLE
QUE ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIAS QUE
OFREZCAN SERVICIOS LEGALES SIN CARGO O BAJO COSTO A PERSONAS QUE
CUALIFICAN.
Cumberland County Bar Association
32 S. Bedford St.
Carlisle, PA 17013
Telephone: (717) 249-3166
(800) 990-9108
NAUMAN, SMITH, SHISSLER & HALL, LLP
J. Stephen Feinour, Esquire
Supreme Court I.D. No. 24580
Joshua D. Bonn, Esquire
Supreme Court I.D. No. 93967
200 N. 3`d Street, 18`h Floor
P. O. Box 840
Harrisburg PA 17108-0840
Telephone: (717) 236-3010
Facsimile: (717) 234-1925
Counsel For: GMAC
Dated: January 15, 2010
NAUMAN, SMITH, SHISSLER & HALL, LLP
J. Stephen Feinour, Esquire
Supreme Court I.D. No. 24580
Joshua D. Bonn, Esquire
Supreme Court I.D. No. 93967
200 N. 3rd Street, 18th Floor Counsel For: GMAC
P. O. Box 840
Harrisburg PA 17108-0840
Phone: (717) 236-3010
Fax: (717) 234-1925
GMAC, : IN THE COURT OF COMMON PLEAS
Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA
V. . NO. j 0 ply l c v i e-
SCOTT A. MORRISON, : CIVIL ACTION
Defendant ACTION IN REPLEVIN
COMPLAINT
AND NOW comes Plaintiff, GMAC, by its counsel, Nauman, Smith, Shissler & Hall, LLP,
to file the within Complaint based upon the following facts:
Plaintiff, GMAC, an entity organized under the laws of Delaware, having offices
throughout the United States and having an office at 555 Business Center Drive, Horsham,
Pennsylvania 19044.
2. Defendant, Scott A. Morrison (hereinafter "Defendant") is an adult individual
presently residing in Cumberland County at 556 Hillcrest Drive, Carlisle, PA 17015.
COUNTI
REPLEVIN
3. On May 24, 2007, Defendant entered into a Contract with Graham Motor Company,
Inc., Carlisle, PA 17013 (hereafter "Seller") for the purchase of a 2007 GMC Canyon, bearing
Vehicle Identification Number 1GTDT13E678142600 (hereinafter "Vehicle") for a net purchase
price and finance charges in the amount of Twenty-Nine Thousand Six Hundred Forty-Three and
00/100 Dollars ($29,643.00). A copy of the Contract is marked as Exhibit "A", attached hereto and
its contents are incorporated herein by reference.
4. Defendant, pursuant to the aforesaid Contract, agreed, inter alia, to make sixty (60)
installment payments in an amount of Four Hundred Ninety-Four and 05/100 Dollars ($494.05) each,
commencing June 23, 2007, and payable on the same day of each successive month thereafter, for
a total obligation of Twenty-Nine Thousand Six Hundred Forty-Three and 00/100 Dollars
($29,643.00).
5. Under the Contract the Defendant granted the Seller or its assignee a security interest
in the Vehicle and its proceeds.
6. Defendant, pursuant to the aforesaid Contract, agreed that in the event of default in
any payment due under the Contract, or the failure to comply with any term or condition thereof, that
the Seller of the aforesaid Vehicle may take possession of said property, including any equipment
or accessories thereto, and for this purpose Seller may, in any lawful manner, enter upon the
premises where the said property may be and remove same.
7. On or about May 24, 2007, for good and valuable consideration, the said Contract was
assigned by Seller to GMAC who succeeded to the rights and interest of Seller.
8. GMAC, pursuant to the provisions of the Pennsylvania Motor Vehicle Code and the
. Pennsylvania Uniform Commercial Code, perfected its security interest in the Vehicle by properly
notifying the Pennsylvania Bureau of Motor Vehicles to endorse upon the Certificate of Title for the
2
aforesaid Vehicle a notice of its encumbrance upon the aforementioned Vehicle and security interest
therein. A copy of said Certificate of Title is marked Exhibit "B" and attached hereto.
9. Defendant has breached the said Contract in that Defendant failed to make the agreed-
upon installment payments due.
10. Such defaults are continuing.
It. The present outstanding balance due GMAC from Defendant is in the amount of
Sixteen Thousand Nine Hundred Sixty-Six and 67/100 Dollars ($16,966.67), plus late charges.
12. GMAC sent Defendant a Notice of Default by letter dated January 7, 2010. A true
and correct copy of said Notice of Default is attached hereto as Exhibit "C" and incorporated herein
by reference.
13. Under the terms of the aforesaid Contract, Defendant agreed that in the event he
defaulted in any payment due thereunder, or failed to comply with any of the terms or conditions of
the Contract, and in the event it became necessary for the Seller or its assignees to institute a suit in
replevin for the Vehicle, Defendant agreed to pay all costs of suit and any reasonable attorney's fees.
14. GMAC has made repeated demands that Defendant make the payments agreed upon,
all to no avail.
15. The aforesaid Vehicle is presently in the control and custody of Scott A. Morrison,
556 Hillcrest Dr., Carlisle, PA 17015.
16. Vehicles of this model and class have an average wholesale value of Sixteen
Thousand Five Hundred Fifty and 00/100 Dollars ($16,550.00).
3
WHEREFORE, GMAC prays that this Honorable Court enter judgment in favor of GMAC
and against the Defendant for:
a. Possession of the 2007 GMC Canyon bearing Vehicle Identification Number
1 GTDT 13 E678142600 or in the alternative, the market value of the car in the amount
of Sixteen Thousand Five Hundred Fifty and 00/100 Dollars ($16,550.00); and,
b. Reasonable Attorney's fees and legal expenses incurred by reason of the institution
of this action in replevin to repossess the aforementioned Vehicle; all as agreed to in
the Contract dated May 24, 2007.
COUNT II
BREACH OF CONTRACT
17. Paragraphs 1 through 16 above are incorporated herein by reference.
18. Pursuant to the Contract, Defendant has defaulted by his failure and refusal to pay
installments in arrears, the sum of which (including late fees and unpaid charges) is Two Thousand
Five Hundred One and 48/100 Dollars ($2,501.48) at this time and increasing monthly.
19. At all times material to this case, GMAC has fully and satisfactorily conformed to and
complied with all terms and conditions required of it under the Contract.
20. Pursuant to the Contract, Defendant's default entitled GMAC to installments in
arrears, a late fee equal to 2% of the total amount of arrears, plus all other costs incurred in
connection therewith.
4
21. To date, Defendant owes GMAC the outstanding balance of Sixteen Thousand Nine
Hundred Sixty-Six and 67/100Dollars ($16,966.67), plus late fees and costs.
22. The Contract provides that in the event the Defendant did not make the agreed upon
monthly payments, resulting in a default under the Contract, and GMAC was required to employ an
attorney, the Defendant agreed to pay reasonable attorney fees and Court costs.
WHEREFORE, GMAC demands judgment in its favor and against the Defendant for:
a. The sum of Sixteen Thousand Nine Hundred Sixty-Six and 67/100 Dollars
($16,966.67), plus a late fee equal to 2% of the total amount of arrears and all other
costs incurred in connection therewith; and
b. Reasonable Attorney's fees and legal expenses incurred in connection with
installments in arrears; and
c. Any and all other relief which this court deems appropriate.
NAUMAN, SMITH, SHISSLER & HALL, LLP
42-
V Stephen Feinour, Esquire
Supreme Court I.D. No. 24580
Joshua D. Bonn, Esquire
Supreme Court I.D. No. 93967
200 N. 3rd Street, 18th Floor
P. O. Box 840
Harrisburg PA 17108-0840
Telephone: (717) 236-3010
Facsimile: (717) 234-1925
Counsel For: GMAC
Dated: January 15, 2010
5
VERIFICATION
I, Kolee Thao, Semperian Agent for GMAC, being duly authorized to do so on behalf of
GMAC, hereby make the following statements subject to the penalties of 18 Pa. C.S. § 4904,
relating to unworn falsifications to authority, and do state that the facts set forth in the foregoing
Complaint are true and correct to the best of my knowledge, info belief.
Kolee Thao
P/ Semperian Agent for GMAC
Date: f
EXHIBIT "A"
RETAIL INSTALMENT SALE CONTRACT
GMAC FLEXIBLE FINANCE PLAN,
Dealer Nunher Contract NUWAW (?/-? LU t.J?•? lJ
YROLIF Its lawyer TO C0-SIq , d aryl. miry buy ft veleds deswerod bubo for cask or M cretin By ow" des Owaad. you
rAW r
a she epoanaes MeN f(W and Deck of tats POrerest You agree to pay w. 0a Cr"W. me Amount F mincod and
paymenl sdledde etrovn Wow We vol bone ea Finance Charpo M a duly hens
FEDERAL T RUTN•IWLENCING DISCLOSURES
ANNUAL FBIANCE Ant Total of PayMonte
PERCENTAGE CHARGE d
Flns
The amount you
RATE The doRu Y
The Mi wi heft paid
amard SY
Tyro coat d your
weds pr
you haft node ae
crew es a yearly weft wi coo y0um fayrOMses
rasa you be Who&"
Total Sal. Price
The tow coq of
your
d SI
1 yew e.sw.wt Saba" Wdl M: I
NuMer
of Pa AmMM When Payrmans
of to Ara Due CrL
FOIciAs
S 494. monGoybeo-v 46/23/47
11
Charge. it • payment a rot raceved m ILA wdN. 10 drys e1W n a due. you we pay a four
Lou
page II tiro vWwdo a a homW commaoa no" "hide, ate snags we be 4%d the part Of Ihe
ye rut d
let0, figured basso on aanno c'Yewu cmOn?W M? pat I a N Moro of -n MM are more ben IO d yment
Prepayment. If you pay o8 all YOUr Gobi eadY. You Will not here o pay • Pehelry
Security Interest You am wveg a fecuny e1Nroq in the velace beep purchased
Aedfeona Information: See no contract Ins more adomebon mkof g rdomalen about
fO"Ymant, wate, any rWOd repayment n No before me 31100,Iod date, aM security mutest
buy the wmcie on G
Chaq¦ aaco" to
tnsumnx you may buy the physical (Iemape
insurance the codrad me wee (sea Dail) from
--yon" you choose who is accepl¦tee l. us You one
not m umd to buy any oMr eaurtetp 10 obao
cradl Your decision to buy or not bury other
imumna Goa rite be a factor in ter aew WWaal
Process
0 any efriece at Checked below, P¦Wles a
prokraas boat to named ¦wfrrce ooMpnees cos
desaes the Who, eM comes"
Check the insurance you deem and stem below:
OPH-st Craft In¦ur¦nu.
O Credit Ufa ? Buyer O Co-Buys'
Tam I/R
O Gent
Them ow y (sudOnly)
PremYnt N/A
Credit Lee $
Credit ONabW N/R
(lnsumnes Camoam)
N/A
(Nana Odcs Add,... 1
ITEMIZATION OF AMOUNT FINANCED
Credit We insurance aM sew disabery rOAMOe
1 Cash price (vreadng any accessories. unable. and taxes) S MW,_ Sol am not re0used to obt9ef credo YOW d0c"n W
2 Tdd downp¦yrnsm . It r1eQ14W Meer'0' aM eat Yfxt eN bebwl by to n0l buy dedn MS to mcg Vol Craw
da"jiny mm"w@ we not be a lacer to VW dew
•n S -1aYO11 bYfeW S
fes
I
re
G
i
_N
Will
M" aOWo of problem They Zvi not be Dmv" unim
• full If
(i
I
ra
d
S
M
t) you SW am ogres to pay der @ We 0061 Craw Me
. deer (describe) curseIE S 14 r.7 S as, a chit) ¦IRAeftw Pa" the upped pat of In errfown!
a
Ti
s Ml
on
S t r.. y DMeIICe of cam Pia (7 mows 2) S?yri,.ts y
es neAenw p
y
faynced it you OY
animum you wall Owe d Your Wld tll Your PlgmanU
wnbu'ts paid to bears M your behalf(Seler may
I OIherdWWavt w bone Gees dis¦beey WM(W S Pays its
=
keep pal d thees arrtounb) scfedteed payments des WW this coraaet while
A COO Of OPbwW seat Me renCe Paid to ero ~ace you one tMOM Tha nsManoo does rid aovW
Any ew"ss in your payment or in her in~ of
Company a CMgMros payments The policies a corshcam nsuOd by the
Lrl! S tamed etMXNN convard" may hereof ant ero
Dresbky 6 IIJb1 S--N/A coverage Irnt uedt life or dew dsebey -sauna
6 Odor insurance Pad to the neurarca COMINIOy I rmas Sag the policies or cortkates W
Ida Oftel If NIA cowrege burns W other toms and contboon¦
C Obool facia Paid to gowmment -germs- S Other Insurance.
0 Ovownr teal taxes not included in cash Price MIA N/A
O
E Government license an or rewslresM In' Type of Insurance Tam
S
--0? prem.. S N/R
F Govanmonl eerkfcea d tie Ices
(nrAWes S ensnq reeomtnp Lae S MIA
O Omer Charges (WeTiMust denbh who a paid and
e) Itruurence Canpany)
WA
describe purpos
b tl?Nl IQTONo Dec Fee / Moms Oeka Addaes)
xt YQERS 19T IF Plate Fee S lO. r I ward ne insurance crocked above
so aucanda aaw.ING S 392.N x
to N/A W WR S WR Buyer Signakn Date
for WR S
11 x
MIR
o
W WR 5--:: A CO-&NW SWIM-0 Date
NVN
evollto Y/a
N NN mesa-n
R
Ttea of er domes aM amounts Pad to omen on your behalf f VA. Vl
1
CE REFERRED TO IM THIS
R
s Anoum barced f3 . e s ANY INSU
AN
ACT DOES NOT INCLUDE COVERAGE
it,
s F - - -- t
CONTR
AND PROPERTY
OR PERSONAL LIABILITY
T T W d b¦wnsnle -one Prance is sl S F
AMAGE CAUSED TO OTHERS
.
D
If yes do not meet your Oontractual Odlgamons, you may I- your motor vMicl..
HOW THIS COtfTA CAN BE CNANGEO. This cmuad coMans me Mere agreement between you aM us reabq o Into Contract Any damps 10 me
. m Goa Y aq1 a t1Qwd Cnatgea ae b'"
?
CDreracl mu
/
_ ?
au Co•Bwe Sanex
11 Ny pat d Ula Cww¦CI If rid vMW, al tell!! Pena 9foY used. We may defoY w ran. Inm ardwwng airy d OUf nghn trio! Ina Cbrltr8G1 wvdyl.l damp Them.
For ewnpte, we may eWend fhe bme for making some peyMnIS without exonwq ere sine W Mi" omen
You audonia us t0 obtain vdormau about you, or the veh ce you one buyeg. trorn me aloe moor "hcle depabnerd ot Other motor vemde lewsrlakOn
allladles
See back for other impor t nt agreements.
Do rot Sign this conlr¦d M a Sunday,
The Annual Percentage Rate Ina be negotiable with the Seller. The Seiler may assign this contract and retain its right
to receive a part of the Finance Charge.
Notice to Buyer.
Do not sign this contract in blank. You are entitled to an exact copy of the contract you sign. Keep
it to protect y r e 1 rt. hts. t? dN!. H .Y
Buyer i06) / Date 43/24/47Co-Buyer Sgra "`'`-
You agree to the terms of this contract. You confirm that before you signed this contract, we gave it
to you, and you were free to take it and review It. You confirm that you received a completely
filled-ifh?Cp\py hewn?jour/si?gynJad it. /24JaT NJR
B ,,..r SiR¦ a 1 i ?.JH' . 05 Co•Bt7M Sgns x Date _
C'8.yer d 001ar Owners • A co-buyer a a pw- ono a lesporrable W IAyeg fro Mwe debt M other -1 a a (arson whew rime A M me bee o
me vehicle but does not have W pay the oebl The other Owner agrees to me Setuny MUM161 lit lire vende wvM o W n asks cont act
Other owher "M here x Date M/2ap6Z Addrees
2109 FR-PA 10/2008 (Fns Use n tea Saa d PemsyNMts) (t d e) Node: Saa Other Side ORIGINAL
CopynV 2006 GMAC As Rights Reserved
suY¦r (AM Co-Buyer)-N me and aWreis (nduee county and zip cowl Credlw (SelW rams and aderessl tl ltvl O 8
SCOTT R IMIRIODt BNMMI "U= 1XwPw INC
42 GREEWTILD DRIVE 1442 HOLY PIKE
CRILISEL. PR 17413 CAILISLE. PR 17413
OTHER IMPORTANT AGREEMENTS
1. PPIANCE CHARGE AND PAYMEWS
a. Her we win rgura Fi ants ChWP. The France Burps a EPJmd
an a defy base at fa Annual Pacenege Race at tw utpad Port 01
Ilse Amount FmotimKI.
b. How w wM apply Psy was. We ale apply each Payment halt Maw
earned ..it tnpad pan Of 0. Finance Charge, and "A to the trlPSd
and Ma Meant Fnwwod.
C. Hew Ma Payments or eery, aymena Change what yet mtW ay.
We based M Finance Cherge. Tow at Paymmus. and Tow SW
Pas slaws on ft had on the &WAM On that you WE MOD every
payment n an day it a due. Your Fiance Chwge. Taw at Payment.
and Tow SW line m1 be rn it you pay ale and low if you ay
any Chenges may via ft tom at a Mager a wow final payrrwil
or. at our open, more or Mwar paymnens of the sane fimot" as your
schodulo0 paymnt with a "Or ftW payment We and Yid you a
notice W" you about Pulse dirges before fa navel scnadAed
payment a am.
2. YOUR OTHER PROMISES TO US
L If the vehicle Is damaged, destroyed, a missing. You pale a pay
m IN you bat under on coronet awn It the vahide a damaged.
dab ,amm"
b. Using the to dale. You agme nab ra the Mired ham tlw U S
or GOneds. or to sd. real, WSW or vaosW any ma rest in spa ushiW
or the contract Iwfdtw our mmn Perneum You woes not fo aspose
the VdW& to mruw, wo me, , . I - n, or evdUnay transfer N
ws pry any repair bills. sarage left. aces. lino. or charges on to
vel.de, you some to repay the arum when we ask for it.
c. Securlry Interest. You give us a security interest in
1. The wlitk and all pans a goods rhtaled in it
2. AN moray a goods rscimed (proceeds) for Net vehicle.
3. AS wateann, meanenate, serMea, adMr contracts; we finance
la you: and
f AN proceeds from Iheunroa, nuumerWtw. serrate. or ogler
contracts we Iroe for you. This atcludes any roknds of
premltms a charges h the coneada
Tha secures payment of an you owe an in* tonne it wo seams
your ahel agralni r n ma contract Yw will make sure the by
Shows our security InWesi than) in to vehicle
it. Insurance you must have on the Mhk1e. You agree to hive phyatel
damage worfince caenng We or damage d fa MmcM Ice the Hn
d On cUntrad Themanwau must oenr our nlaesl n the "hide a
YOU 00 not law eas raunnw, we may. it we wale, by 0""
damage ewrarde. H we decide to try pys" damage me==, as
may buy Irwurw= did ODYNs Your !wrest and oat wbnw in the
vetuele a we ley eY mmradt. we coo so you go charge you mum
Pay. The dupe std be des invasion for the rwre ace and a sate
large at lee highest as the low permits
If the veleCM s low par damaged. you apnea Out we may use wry
insurance YmMMOIU H Hdute Welt you owe or repro we vehMde
e. What happens to returned insurance, maintenance, owvlce, a
Othr contract charges. o via gat a shwa of insurance. maintenance.
sewxa, of edwr contact Mapes. you ogres thM we may subtract me
reknd tram what you ewe
3. YOU MAY PREPAY
You may prepay all or Pon d ths unpad art of the Mani Financed at
ay lime wwulu Panay If you do Na. You mow ay the MMd and
-pad Pert Of ate Finale Charge snd d other ama"s data up M the
wM pl Y_ payment
a. IF YOU PAY LATE OR BREAK YOUR OTHER PROMISES
a. YOU may ova via charges. You win pay a 1W dWge on will paw
payment as aldma on the Matt Accipance of a Ma Payment of Ise
lope does rot excuse your we payment or mess eat you may keep
am" we PWO"ft It YOU ay Will, via may also oft ea a"
described below.
b, You may hank to pay all you are at once. O you break your
prone (dean), we may demand fat You pay d you owe an ere
contact at orlce. Dalwm --
I You do rid ay"aInnerd n one.
2. You wan a protaedng in bwfnplcy or no a stamd against you
or you Property. or
3. You brpoO any agresirWas in der wMred
The wnaml you std paw, stwill be the npad pal of the Anaunt
Financed pan the Ynod and trpwd Pen of fa Fuarce Chaps, any
late dirges, find ay emornls der because you deladad,
qo,*
e. Yeas may have to ay cageeddn eseM. 11 yeas del" aid w hats to
go to palm 1D NW-W eat "1 , you aril pry fr n waaada SM-We
tees and cart vise. a on law aurae You wd am ay MAY
aeotneys lees will coun costs a caul mistrial us
d. We may take the vahMM from you. It you lobate. w may aka
(npoeeess) to vehicle ham you r as do ao Pescehwy era eta law
allows A it your vehicle Ise an aktdror¢ Ilaekep dW". you agree
thal are may tea the device to hrd 0w v§hC* h va tab eat vetaW,
wry aew80poa, epapnant, and teplaGmen Para will sty WO eul
vehitla IN any tract fems we in the induW, we may side Cam for
you at your expense. N you do rot ask ler dais hunts beck. the may
depose of erns as the law slows
a. How you eon gat des •ehfole book If we take tL If we repossess the
whole. you may gel f back by paying the uN)W IPA Of 9W Mat"
FrrroaW phe fa earned arse unpaid pert Of ale Frrwre Charge. WW
as charges, Pro airy tsar ariau is der because you mauled
(redeem) Your rpm to redasrn ends when we WI the vehide. We wd
to you him much to Pay NO redeem.
It we npoaNY ft votedo, we may. M oa noon, draw you b gel ft
velbcN back before we ssl n by Paying d paw due payments std as
dirges trpoaaa} We wA We you f you may tenstale and how much
to ay f you (try
11 you were in dalalt for more eWr 15 days when via aid des vehlds.
des amount year mud ay to adeem a ranww wd Pao sawde fa
expenses d dung M Meade. 00 A. will Preparing it tot Mo.
I. We will well do MhMIe N you do not get It bade h you do not
redesm, W, ml ad the vaInGle We will "rd you a written notice d
sale slaw SWV ON voN*.
We will apply the ndrey from dip will. less Vowed etpataas, to fa
amount you on. Allowed esPwsea we esparsY we ay Y A (Meet
renal d aMap fr vehcN. iwlMwp n. pearnM n for ase, and selip K
a We law Maws Reusable alma" has and awn costs fa aw
amts an Oho down aapwkes 11 any coney a let (SWINUS). we
ml pay it to you 11 many Man the $W a not enough M Pry lea
amount you lea. you meal ay aw rem to us It you do rid pay on
w,,oua when we ask. we may charge you merest 81 114 hpheat awful
n e una you pay
9. What wit may do about opdnal Inwranse, mair"nonca, eervW,
or seer contracts. Tors oonuad may roman charges par opb"
m unwoo, messonnce, seivlee. W dhel cordroc i If we apesaess
um vehiW, we may Writ bwwea aaYr does cormaca will banal
Ilom o ODIM muds d tnownsil dwifs a wmroe whet you owe a
Mar Ile vehcM it ft reuse a w foal kiss baepoe it a conf sdslad.
GinnoW, a sawn. we may claim bnaae viler ewes dontrwCh led
cancel them a obtain refuels of unewwd daMu to ttduca what You
owe
h. Summary notice regardkp prepayment and MinOM menL You
may prepay as or an of the amtsnt you owe under ens contrail at any
owe without Penalty. If you do NO. you only hew to ay Ow owned and,
urpod pan d fa Fnace Charge and so other wrautb des up to M
via of your payrnwa II you ue1aW aid we repodess lea vNale. we
may, at our opem. allow you to gel eat vista bark before we ale n by
paying all Put der payavls, We Barges. NW expeaas
5. WARRANTIES SELLER DISCLAIMS
The lolawn+g paragraph does not shed any wanaibes Owwwf) the
Mhe4 0W me velwds rtWMCwHr may Prands The following
pamgraph also does not apply a an f you bought the vehicle Prtrtwfy 1a
pMeaol. IW*, aheuaehOld use
Union the Scher makes a Mean warranty. or enten kno a sarWee
contract within 90 days from VA date or this eornast, the Selkw
Mokpo no watndek express a Implied, on the Mhfol% and then
Win be no Unplled wanwlgta of nwchaawMUty or of flow" for a
6. Used Ca Buyers Odds. The Information you a" an the window form
for this ram is art of the cones" Information an the Window
form overrun any con nary provisions In the contract of *W.
Spanish Trndelfon:
Gua pane ownpraderea do vntanos ueadoo. La Inof Ida quit W
on at formulae w Is vemanMw pat "te vehifand larva Pane dad
prseene ontrvo. La Intarmaddn der hxmuara de to verNanllle dale
sin wooto toda disposlckln n cntrerw octrawrldet an at control* do
"Ms.
7. APPLICABLE LAW
Federal law axe PansyNarM paw apply to Via MOW
NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH
THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT
HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALT. NOT EXCEED
AMOUNTS PAID BY THE DEBTOR HEREUNDER.
EXHIBIT "B"
1
IA
•
•
f
L?
g .
8
N
6 •
0
•
N
O
(O •
•
f
CERTIFICATE OF TITLE FOR A VEHICLE ,yL'
T, 220
D72b757$1D00025-001 -
1GTDT13E678142600 2007! GMC 165153221101 no
VEHICLE IOEHnFICA[ION NUMBER YEAR MAF( OF VEHICLE "ILL NW.fBER
T K 9/24/07 0000401 0
900v "F Duo I SEA[ W P" THE SWE 000M I,WxD DArE 000M MLEa ODOM :,TArUS
9/24/07. 1 9/24/.07 ) 4.008 1 5300 1
DATE. PC TrILAD OArE Of ISSUE wuAOEk, wC.W.T GvWR GCwR TITLE BRANDS
REGISTE PEO aNNER{S) tDT< V<y
SCOTT A MORRISON c, n.,,• f n„RI r r,M,1•"I?,rRll"?,
42 GREENFIELD DR
CARLISLE PA 17015
RRST LIEN FAvOR OF
GMAC
SECOND LIEN FAVOR OF
' K.CA.Ik 6" '"'US
O. ACTVA. W [AG[
I . Mli f - f .C. EU% -H* UECHANICAE
La-S
2. Np, ,H( ALIUAL k LEA A
7 . NDT THE ACTUAL MUAGE ODDMETER
TALME9010 VERa1IM
t . EXBmWf FROM OOOMETER DISCLOSIRIE
TITLE mmas
A . ANTIOUE VEHICLE
D . COLLECTUE ve%aE
F . OUT OF COIRITRV
D • OPIOEYALLV MF*D MR N[)WU 9
OP.rRB1n10[,
N . ACRK:IILTURK YENIGIE
L . LCOGNG VEHICLE
P . ISN,AS A POLICE VEHCU
R . RE CONSTRUCTED
e • STREET ROD
T FIE?OVEffFD THEFT VEHICLE
v . V114=0DNTAe6ROSSUEDVN
W . ROOD VEHIME
K [SWAB A TAW
If a read OEfaMIdFf ID IaMd upon rfe4Dla1 of e+E 11. W. or ng
bw11101ER aW brmW On T6 b ft b"m d Motif VgPKW w[+1 M
FIRST LIEN RELEASED ' App ap mee Win ow 10
PATE
SECOND UEN RELEASED
AUTHORZEO REPiEZIUNTATIvt DATE
MALMO ADDRESS er
AUTHORIZED REPRESENTATWE
GMAC
PO BOX 5140
COCKEYSVILLE MD 21030
[ aAN ,w co +» date of asto sr Wheal IseafY of ow PEfvNYIFBIr DEpsn,lsa ALLEN D BIEHLER
I:* d rm"Www idled " EM pemnis) or amomN ramw HMIpn is dy wwful &w
d om ma vM w Ssefft" of Tnmpwwjo
If a oo-purtlnnr DOW dnn YW tpOUN it Ytpld NTd VW W" VW ODe 10
SUtSCFUSED AND SWOM be NWed es 'Jan[ Term" NAM fLgIR of .%rwi felep• (OR dNd1 of One
TO eEFORE ME a mw, We gm to WMVWp ow[It[ ) CHECK HERE 13 OVWWUe. aW *I*
.4 be rtued as •renenfe In Cwnir pn• (On deefh Of OM 0-f, WW" Of
deceased owner goes to hwfrr halm or estals)
pbu.Twe 0, +'flLTON.--STEAA.: oAn. 1$T LIEN DATE ? IF NO LIEN CHECK
I ST UENHOEDER
STREET
?. STATE ZIP
CK HERE O RNANCIAL
IF THIS le
-T
W ? TE F. 1AREIETTTUT,ON NO
Z.
r
V Z ZND UEN DATE ? IF NO UEN CHECK
N r W". ...p nuA+, ,PF,.•v Ir C ,p. w T.. . ,. . • . «.c e.
T
N s
r•.. ro . r 1.+d 1.a . w w, .. ro . ,? w. y1D LIEAefOLOER
00 I STREET
N lKlAll lF cF APYULAM, Oft -01-301NU 9-G-1
STATE ZIP
C ITV
IF 71118 IS AN ELT C)IECI[ HERE O FIHAIIaAL
O 141.11E OF 00111 NMTRE Ix wfM)11UE0 SUK,1 !_ NOTE Pal RE?IRRED Nl1TTVTION NO
•
•
•
•
•
•
•
•
•
•
•
•
•
f
EXHIBIT "C"
Attorneys At Law
Please reply to
P. 0. Box 840
Harrisburg, PA 17108-0840
January 7, 2010
Via Certified Mail No. 7009 1680 0000 2106 9267
and Regular Mail
Scott A. Morrison
556 Hillcrest Dr.
Carlisle, PA 17015
In re: GMAC Account #020-9120-00710
2007 GMC Canyon
Dear Mr. Morrison:
Joshua D. Bonn, Esquire
Jbonn@nssh.com
Please be advised this office represents GMAC and in that connection, your overdue and
delinquent account has been referred to this firm for advice and the appropriate action if not resolved
promptly. This letter is an attempt by GMAC to collect a debt, and any information obtained from
this letter will be used for that purpose.
GMAC has advised that under the terms of a Retail Installment Sale Contract, you are
delinquent in paying the August 2009 payment in the amount of $466.32 and the September,
October, November and December 2009 payments in the amount of $494.05 respectively, plus late
charges in the amount of $58.96, for a total delinquency of $2,501.48.
Unless you dispute the validity of the debt described above within seven (7) days of the date
of this letter, we will assume that the debt is valid. If you notify us within seven (7) days that the
debt is disputed, we will obtain further verification of the amounts owed and mail such verification
to you.
Pursuant to the terms and conditions of the Retail Installment Contract with GMAC that you
signed, you are hereby called upon to cure the default by paying the sum of $2,501.48 within seven
(7) days of the date of this notice. Please be advised that GMAC reserves the right to pursue all
of its rights and remedies as indicated by the Retail Installment Sale Contract, which may
include the seizure and repossession of the vehicle. You are also called upon to pay the attorneys'
fees incurred by GMAC in connection with your default. Specific information concerning these
attorneys' fees will be provided to you after GMAC's receipt of the total delinquency.
Superior analysis. Effective solutions. Since 1871.
Nauman Smith Shissler & Hall, LLP 9 200 North 3rd Street • Harrisburg, PA 17101 • 717.236.3010 • fax: 717.234.1925 • www.nssh.com
Scott A. Morrison
Page 2
If you fail to cure the default, GMAC will declare the entire amount you owe under the
Contract IMMEDIATELY DUE AND PAYABLE. You may contact GMAC for the total amount
due.
If you wish to correspond to GMAC directly please contact:
GMAC
Attn: K. Thao
P. O. Box 380906
Bloomington, MN 55438-0901
You may also call Ms. Thao at GMAC at 1-888-204-9783 ext. 8843.
If you do not dispute the validity of the debt or otherwise promptly make the delinquent
payments, then, GMAC will exercise its remedies, including (but not limited to) filing a lawsuit
against you for the repossession of the 2007 GMC Canyon and for breach of contract. If GMAC
is forced to file a lawsuit against you, it will seek payment of the entire amount you owe under the
Contract.
I trust you will act to pay the delinquent payments, and thus avoid the expense and
embarrassment of such litigation.
Respectfully yours,
A?- 4j
oshua D. Bonn, Esquire
JDB/sm
cc: GMAC
NAUMAN, SMITH, SHISSLER & HALL, LLP
J. Stephen Feinour, Esquire
Supreme Court I.D. No. 24580
Joshua D. Bonn, Esquire
Supreme Court I.D. No. 93967
200 N. 3rd Street, 18th Floor
P. O. Box 840
Harrisburg PA 17108-0840
Phone: (717) 236-3010
Fax: (717) 234-1925
F1LE& F,CE
THE i ;C)"! ?^^1CTAP.Y
2010 JAN 20 PH 1: 54
'r ;'1 .,,tea
Counsel For: GMAC
GMAC, : IN THE COURT OF COMMON PLEAS
Plaintiff :CUMBERLAND CO TY, PA
NO. U) -yc}( r'% val Term
V.
: CIVIL ACTION
SCOTT A. MORRISON,
Defendant
: ACTION IN REPLEVIN
PRAECIPE FOR ENTRY OF APPEARANCE
Please enter the appearance of J. Stephen Feinour, Esquire and Joshua D. Bonn, Esquire, as
Attorneys for GMAC, the Plaintiff in the above captioned case.
NAUMAN, SMITH, SHISSLER & HALL, LLP
YStephen Feinour, Esquire
Supreme Court I.D. No. 24580
Joshua D. Bonn, Esquire
Supreme Court I.D. No. 93967
200 N. 3rd Street, 18th Floor
P. O. Box 840
Harrisburg PA 17108-0840
Telephone: (717) 236-3010
Facsimile: (717) 234-1925
Counsel For: GMAC
Dated: January 15, 2010
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
i'j LEi
Sheriff at Clot t , u V
Jody S Smith
Chief Deputy
Edward L Schorpp Solicitor OFFICE C F -Hk€
G MAC
vs.
Scott A. Morrison
Case Number
2010-441
SHERIFF'S RETURN OF SERVICE
01/25/2010 04:05 PM - Noah Cline, Deputy Sheriff, who being duly sworn according to law, states that on January 25,
2010 at 1605 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Scott A. Morrison, by making known unto himself personally, at The Cumberland County
Sheriffs Office, 1 Courthouse Square, Room 303, Carlisle, Cumberland County, Pennsylvania 17013 its
contents and at the same time handing to him personally the said true and correct copy of the same.
SHERIFF COST: $33.40 SO
January 26, 2010 R NY R ANDERSON, SHERIFF
By
puty Sheri
(cj GountySuite Sheriff. Teleosoft. Inc.
NAUMAN, SMITH, SHISSLER & HALL, LLP
Joshua D. Bonn, Esquire
Supreme Court I.D. No. 93967
200 N. 3rd Street, 18th Floor Counsel For: GMAC
P. O. Box 840
Harrisburg PA 17108-0840
Phone: (717) 236-3010
Fax: (717) 234-1925
GMAC, : IN THE COURT OF COMMON PLEAS
Plaintiff : CUMBERLAND COUNTY, PA
. NO. 10-441
V.
rV gy
SCOTT A. MORRISON, : CIVIL ACTION Z'"r`
Defendant : ACTION IN REPLEVIN '
'
PRAECIPE fl
TO THE PROTHONOTARY:
Please enter judgment in favor of the Plaintiff, GMAC, and against Defendant, Scott A.
Morrison, for failure to plead to the Complaint in this action within the required time. The
Complaint contains a Notice to Defend within twenty (20) days from the date of service thereof.
Defendant was served with the Complaint on February 2, 2010, and an answer was due on or before
February 21, 2010.
Plaintiff provided Defendant with a written Notice of Intention to File Praecipe for Entry of
Default Judgment which I certify was mailed on February 17, 2010, by regular mail to the last known
address of Scott A. Morrison, 556 Hillcrest Dr., Carlisle, PA 17015, which is at least ten (10) days
prior to the filing of this Praecipe.
Please enterj udgment pursuant to Pa.R.C.P. 103 7(b), 1071 and 1084 for possession of a 2007
GMC Canyon, VIN 1GTDT13E678142600, and for $16,966.67, plus costs, for failure of the
Defendant, Scott A. Morrison, to file an Answer to Plaintiff s Complaint within twenty (20) days
of service thereof.
NAUMAN, SMITH, SHISSLER & HALL, LLP
n
J'oshua D. Bonn, Esquire
Supreme Court I.D. No. 93967 f. 16.06
200 N. 3rd Street, 18" Floor
P. O. Box 840 C4 .3 SBSC0
j?zra383so?
K)C41 G.£_ /rte t tcc(
Harrisburg PA 17108-0840
Telephone: (717) 236-3010
Facsimile: (717) 234-1925
Counsel For: GMAC
Dated: March 2, 2010
NAUMAN, SMITH, SHISSLER & HALL, LLP
Joshua D. Bonn, Esquire
Supreme Court I.D. No. 93967
200 N. 3rd Street, 18th Floor Counsel For: GMAC
P. 0. Box 840
Harrisburg PA 17108-0840
Phone: (717) 236-3010
Fax: (717) 234-1925
GMAC, : IN THE COURT OF COMMON PLEAS
Plaintiff : CUMBERLAND COUNTY, PA
V.
: NO: 10-441
SCOTT A. MORRISON, CIVIL ACTION AT LAW
Defendant
IMPORTANT NOTICE
TO: Scott A. Morrison
DATE OF NOTICE: February 17, 2010
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU.
UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A
JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY
LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS
NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT
AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE
YOU CAN GET LEGAL HELP:
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, PA 17013
Telephone: (717) 249-3166
NAUMAN, SMITH, SHISSLER AND HALL
By: .4, 2 _'a -
J ua D. Bonn, Esquire
Supreme Court ID# 93967
200 North Third Street
P.O. Box 840
Harrisburg, PA 17108-0840
Telephone: (717) 236-3010
Facsimile: (717) 234-1925
Counsel for: GMAC
Date: February 17, 2010
CERTIFICATE OF SERVICE
I hereby certify that on the date listed below I served a copy of the foregoing Notice by
depositing in U.S. First Class Mail a copy of same addressed as follows:
Scott A. Morrison
556 Hillcrest Drive
Carlisle, PA 17015
Sherry A. May, Paralegal to
Joshua D. Bonn, Esquire
Dated: February 17, 2010
•
A t t o r n e y s A t L a w
Please reply to:
P. 0. Box 840
Harrisburg, PA 17108-0840
February 17, 2010
Scott A. Morrison
556 Hillcrest Drive
Carlisle, PA 17015
RE: GMAC v. Scott A. Morrison
No. 10-441-Civil Term
GMAC Acct. No.: 020-9120-00710
Our File No.: 9768-1585
Dear Scott A. Morrison:
Joshua D. Bonn, Esquire
Jbonn@nssh.com
Enclosed herewith is our Notice to you that you are in default because you have failed to take
action in the above-captioned matter. Unless action is taken within ten (10) days, we will file our
Praecipe to Enter Judgment with the Prothonotary of Cumberland County.
Sincerely yours,
Joshua D. Bonn
JDB/sm
Enclosure
,cc: GMAC
Superior analysis. Effective solutions. Since 1871.
Nauman Smith Shissler & Hall, LLP • 200 North 3rd Street • Harrisburg, PA 17101 • 717.236.3010 9 fax: 717.234.1925 • www.nssh.com
Affix fee here in stamps
POSTAL SERVICE
or meter postage and
MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL, DOES post mark. Inquire of
PROVIDE FOR INSURANCE-POSTMASTER ostmester for current
ReC1'dW4Ff lh, Smith, Shissler
Attn. Sherry A. Ma , Par
` 1P nI*elev Bowes
$ 001.150
200 N. Third Street, 18
03881 7' 2010
7101
I MAILED
?a
One piece of ordinary mail add seed to:
??II
s to .tom ? ?y Q
?a3 ? JCO
PS Form 3817, Mar. 1989
NAUMAN, SMITH, SHISSLER & HALL, LLP
Joshua D. Bonn, Esquire
Supreme Court I.D. No. 93967
200 N. 3rd Street, 18th Floor Counsel For: GMAC
P. O. Box 840
Harrisburg PA 17108-0840
Phone: (717) 236-3010
Fax: (717) 234-1925
GMAC, : IN THE COURT OF COMMON PLEAS
Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA
VS. : No. 10-441
SCOTT A. MORRISON,
Defendant ACTION IN REPLEVIN
NOTICE OF JUDGMENT
TO: SCOTT A. MORRISON
You are hereby notified that on ?-UL,4 q , 2010, the following judgment
has been entered against you in the above captioned case
Judgment in favor of Plaintiff, GMAC, and against Defendant, Scott A. Morrison, as follows:
Possession of the 2007 GMC Canyon bearing Vehicle Identification Number 1 GTDT I 3E678142600,
and for judgment in the amount of $16,966.67, plus interest, late fees, reasonable attorney fees, costs
of collection, costs of repossession, costs of storage and all other charges as provided in the contract
or as provided by law, and increasing monthly.
Judgment was entered pursuant to Pa. R.C.P. 1037 (b), 1071 and 1084 for failure of Scott
A. Morrison to file a response to GMAC's Complaint within twenty (20) days of service thereof.
Protho otary
ww
I hereby certify that the proper person(s) to receive this notice under Pa. R.C.P. 236 are:
Scott A. Morrison
556 Hillcrest Dr.
Carlisle, PA 17015
NAUMAN, SMITH, SHISSLER & HALL, LLP
shua D. Bonn, Esquire
Counsel for GMAC
Dated: March 2, 2010