HomeMy WebLinkAbout10-2040MAURICE & 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 7. a 4
w rj
73
FR
C: 3
ARBITRATION MATTER
ASSESSMENT OF DAMAGES
HEARING NOT REQUIRED
15) /tSy-/1S5
FORD MOTOR CREDIT COMPANY, A
DELAWARE LIMITED LIABILITY COMPANY
P.O. BOX 6508
Mesa, Az 85216-6508
Plaintiff,
V.
KELLIE KNIPE
5 Railroad Ave
Shiremanstown, Pa 17011
Defendant(s).
CUMBERLAND COUNTY COURT OF
COMMON PLEAS
Case No. ID - 81040 0,-t V I Iem
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 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 tomam 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.
LLEVE ESTA DEMANDA A UN ABOGADOIMMEDIATAMENTE.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO
IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE. SUFICIENTE DE PAGAR TAL SERVICO, VAYA EN PERSONA
GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION
FIND OUT WHERE YOU CAN GET LEGAL HELP. SE ENCUENTRA ESCRITA ABAIO PARA AVERIGUAR DONDE
SE PUEDE CONSEGUIR ASISTENCIA LEGAL.
CUMBERLAND COUNTY BAR ASSOCIATION
Lawyer Referral Service O
2 Liberty Avenue, Carlisle, PA 17013
(717) 249-3166
u.00 PO A -rl
Co 61 U7 (67
eT* A,10 :36V
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.
KELLIE KNIPE
5 Railroad Ave
Shiremanstown, Pa 17011
Defendant(s).
CUMBERLAND COUNTY COURT OF
COMMON PLEAS
Case No.
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, Kellie Knipe, is an individual who resides at 5 Railroad Ave
Shiremanstown, Pa 17011.
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 July 11, 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 $24566.20 at an annual percentage rate of 17.900%, in
order to purchase a certain motor vehicle, 2007 Ford Focus 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 $309.42 for a period of 60 months until the loan was paid in full all as is more
fully set forth in the Contract.
6. Defendant(s) made monthly payments until May 28, 2009, 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 $6900.00, however a balance of
$3905.43 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 $296.87 and which will continue to accrue.
11. The total amount due and owing at the time of the filing of this complaint is
$4202.30.
WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant(s), in
the amount of $4202.30, well as any additional interest and costs that may accrue and such other
and further relief as this Court may deem equitable and just.
RespectfullA%XiMAN, MAURICE P.C.
YLOR, ESQUIRE
Date: March 11, 2010
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: March 11, 2010
PENNSYLVANIA SIMPLE INTEREST VEHICLE RETAIL INSTALLMENT CONTRACT DATE 07/1112007
1-MO.727.7000 Intl LoBUyn) Ianie and Aodas Illdusre Canes and AI:LLenrCREd70R jeerer Nwa std AWerl
n
KELLIE E R KNIPE ICCAFFERTY FORD $ 1 O
I SHIREIMNSTOWNEPA 17011 IEHAN7CSBURG PAx17050 B?NM
CNTY:CUIBERLAND (. It 1Aq
001- ? AwkwYwn
o ce-ir,i
I ITEMIZATION OF AMOUNT FINANCED
1. Cwh Price _..... -_-_._.._ .___._.._...__.._.__._._._._.__..s t7n7R-Ml)
2 Down PrymenI
Third Pbry RSewla Aseensd to
Caah Dom PayIIINn.._.__1 Vl.On
TrwdWn ]0011 IVMAF $ 1.tlI1i M/At t_f1f1
Tweed ere Gro.a Anerwco Aneoae Dnep
Toly Down fty-I_------------ ___....... _.._............ ....... S Annl _m2)
7. UnpwM EelN M Cant Prke (/
e. A eremos Pak on your bod" (Make may be raNnato • OorMOe of these amawb)
To Pltero 0ma10s
(D for it.- (S 10.00 ), We (S 22. Sn ), S
"e sb.n (S 36.00 I. Ioss S Ga. 50
fl for Wrong I- S 5_Dn
(m) for uses(notin Cash Price) S Ra9.62 f 021. I2
To heeereewe Co epsrlW m'.
Gadb Ula keetmcw Ibr tent of isread> .......................... f 114A
Credh DrabMMy hrurwwr (br term d rnmraci)_„_...__.__. f MIA
wIA (Tenn MIA Months)-_.__.f Y/A
MIA (Teel N/A mDrg.)--•._...i MIA
s To MIA for MIA i MIA
To MIA M MIA i MIA
To MrrAFFFRTY FORD for Dllf FFF S [[-OO/OII MIF IDn.AS
To N/A for MIA i MIA
To MIA for MIA $ MIA
To MIA for ¦IA $ MIA
TMMI._._.__..___._...___._.......__._...._...._...__._......_. S 1077. C7 (A)
S. ArsetrM Restated (3 plum
FEDERAL TPUIM-N4lENOIN6 DIMCLOaIMBS
ANNUAL FNeANCE Amofmt Taal of TOW SHIN
rERCENTAGE CHARGE Financed Payments Price
RATE Toe mar ene,.x Toe se- a ma frourn me m sort
east PowOtl yw rw nrvs a y?r M Iwmlr.ee
Tlr mndww aeda ws era MrrryW oily
PedM a • went rde ad rru ?„?r aelrn 1MY°.aae?e.e A oowrq.Pns?ni
0.1'merr -. asst. rr
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0 MIA
11/AA I "A
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Stoehr hits set I m N ohs0 . o-" elated Y M waticb being ptorMad.
IM Payleant YW nut pry • Yls Liwgs m he potion of each IaymN oohed sws arm 10
Wye me. TM delQS if 20 WlRew d M INa amour
r:nmst R.r.row sue trror.d ror umsnl 'aorm.ern emieer? w mow. rvgtyr?nt.
dweaL rrro here r.parrrr.nr a row !wt u
pnpRewp psuleMY.
It you do not meet your Conrail obligellau, You AMY Me your wHCq, SB well
as ooo pens and goods put on your wnick anti moray or goods received for
LJ Van Ye epWUrwllt paymtnt artier dw cawed Y a trlbon tkaym.m.
!T§ E WEAR UBE AIO MIEAOE CNARDEB
AMA emMy share r Olrstred. this .edion, Penaprept B, and Pwaor.ph C al
'tlw Conrad appH. YW m y Its dmMed for e.aWre weer Wad upon W r = 0"
for normal es. it you sends M Option to call M eased puck b 9eYar serer
Per.proplr B, yW rmrd pay the lt.Mw W. eft per nee M assn ml4 N amass
of ?Iµ_ rues shown on tit edaawr.
OKRA Y VE O"ION CRMDIT
n air aotwad slower, a baroon payment (a idiuwp ahpve), arts you have
esRMd your OPdon to .0 er whk* b M Fader older Princeton, B, Me
peragroph epptee to your eanbsl Al ab edledurd and d orb awreeo. YW wNl
a credit d W. _ pm unwed Ma br M reenter d unused retire,
rslrro.n ----A/A end _=IA ropes, Iw eH - YW
ore ream this aaeroc YW rw not Hare eery credit If tti w r dewwwd, tie
eonlrept ante aarH, a you am in def-ft. YW wa not receive any ored. I are otede a
' lea wren Sf.00.
Any tlrgs In dys awun must M N rbNp and Iprwd ay Ya std rot 8.sr.
AA r r? .r
YOU ARE REQUIRED TO INSURE THE
VEHICLE. YOU MAY OBTAIN VEHICLE
INSURANCE FROM A PERSON OF
YOUR CHOICE.
LIABILITY INSURANCE COVERAGE
FOR GODLY INJURY AND PROPERTY
DAMAGE CAUSED TO OTHERS IS NOT
INCLUDED.
CREDIT LIFE, CREDIT DISABILITY AND
OTHER OPTIONAL INSURANCE ARE
NOT REOUmED TO OBTAIN CREDIT
AND WILL NOT BE PROVIDED UNLESS
YOU MN AND AGREE TO PAY THE
PREMIUM.
Credit
?Life N/d
Irstaarl0e ronlpeny
Premum A Insured(.)
You went Credit Life InwrMKe.
Buyer Signs
Co-Btlyef Sipes
??
DIpblYly BUB1 mnots Company
$ ve Ins nCe Canpaiiy
Preiteurrl Insured(.)
O Creole
You want Credit Dealt y Interoffice.
Buyer Signs
C-4khe r Sion.
OTHER OPTIONAL INSURANCE
Cartilage and Premium and
Ineurena Cernesrev Tom b Were,
MIA $ M/A
By MIA MIA
NfA s- Nip
BY?ilfl aifA-
YW went tit oPtlonM -w~
pmnauers m ricks"d aowe.
Buyer Slow
CPaHer Sips
oea t ur N Creole OlatbaH hrwar. w
for M tan M M Cwwad. Th. wwwsa atd
oe aaMn - elem I. • netle. or aPSeewrt
yen to Frei [wiry.
Oat Catania. wiffee Aalaala modified)
y m W. Y cn wed Iw haw oewbsdd a asst
,aterstawtlw.iY- nor !recess d tar Ooh r
ime eaarured b fAlalnaeW.Tlee
m
rna wtl
Ipr11 M N 1 M lt, Yd YMWWwlatl al wflici
M i Aralllam wMMI 1.
b
rnmrow.ro hrlodaesrwact Tlw Plot br nMdsot
awrwr are r.r rem m er aerw.a n wa
e.nrW Wn d Inane Fkrsd rear IrYw ..
tar.
YOU ACKNOWLEDGE THAT YOU HAVE READ AND AGREE TO BE BOUND BY THE ARBITRATION PROVISION ON
THE REVERSE SIDE OF THIS CONTRACT.
The l Parsonage RM they 10 rapeseed `*g" VIA a Portion the Finance Chwgo. Sam. The Street, may aaalglu Sib txKltrMet end may retain
Ito right to ratmise
Do not sign this contract In blank. You are enthled to an exact copy of the contract that you sign.
Keep h to protect your legal rights.
Qvw ru-?c.?".? L .Q . ?ye . •rn n SW X
apnp
IBuyer (and Co•Buyar) acknowledge that (1) babra N nin this OOrltract, Buyer (and Co-Buyer)
received and reviewed a true and COmpks W fulled in copy this contract and (11) at the time of
starting this contract, Buyer (and Co-Buyer) received a true and compMtey filled in copy of this
contract.`
s? KaSL?LI.P ?C• VL ?(?„il?`/'_'?e/,}er?„y,rX
asrsr lTrAFFFR7Y FOQD gy X ()P?Y?7y? Twe
THIS CONTRACT IS NOT VALID UNTIL YOU AND GELCPR SIGN IT.
ASSKU ANENT
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SEE OI R AIDE foif ADQ`nf RL AGREEMENTS
ORIGINAL
PLY i - ORIGINAL PLY 2 - 91IYEAT COPY PLY 3 - C0.BUYEII/OIAaIUNT'OR COPY PLY 4 - SELLERS COPY (MON-TRANMFFAAatIJ
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PTC NOTICES
NOTICE - ANY HOLDER OF THE CONSUMER CREW
CONTRACT W SU0.RCT TO ALL CLAIM AND
DEFENSES WHICH THE DEBTOR COULD ASSERT
AGAINST THE SELLER OF GOODS OR SERVICES
OBTAB® PURSUANT HERETO OR WITH THE
PROCEEDS NEFEW RECOVERY HEREUNDER BY
THE DEBTOR SHALL NOT EXCEED AMOUNTS FAIR
BY THE DEBTOR HEREUNDER.'
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THE 1100" row FOR THIS VEHICLE IS PART OF
THIS CONTRACT. INFORMATION ON THE WINDOW
FOAM OVERRIDES ANY CONTRARY.PWVISIONS N
THE CONTRACT OF SALE.
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"•PRN"•
Ford Motor Credit Company
P.O. Box 17948
GREENVILLE, SC 298068948
(877) 805-7187
PDVGZ00020DD27
KELLIE KNIPE
5 RAILROAD AVE
SHIREMANSTOWN PA 17011
Date of Repossession 08-262009
Date of Notice
0627-2009 Date of Contract
07-11-2007
Account Number: 042730745
Buyer KELLIE KNIPE
Cobuyer
DESCRIPTION OF PROPERTY
Year
2007 Make
FORD 0 New
? Used
Vehicle Identification Number:
1 FAHP34N57W331188
Model
FOCUS Body
4DR
NOTICE OF OUR PLAN TO SELL PROPERTY
We have your property described above because you broke promises in our agreerrient.
C
It.
7x 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 Tune 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
LANCASTERRD MANHEIM PA
HOW TO GET YOUR PROPERTY BACK
To get your property back, pay us this amount by certified check or
money order before the vehicle is sold.
Unpaid Balance $ 10,198.D5
Plus Costs: Repo Expenses $ 370.00
Plus Late Charges
Less Finance Charge Rebate
Less Insurance Premium Rebate
TOTAL
$ 12.38
$
$ 10,580.43
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 Your property won't be sold until 15 days after the date of this notice at
number above, or write us at the address above and request a the EARLIEST. After that you can still get ft back any time before its
written explanation. actually sold.
We are sending this notice to the following people who have an If you do, we'll have no further claim on ft. But the longer you watt, the
more costs (including repairs) you may have to pay.
interest in the property described above or who owe money unde r' 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.
? The properly 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 ft to the dealer/original creditor.
? PERSONAL PROPERTY: Any personal property found in the vehicle may be reclaimed by you within the next 80 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.
STEPHANIE L KNIPPEL
FFNA 11 QM-37 Jan 02 P-Ous ed@ans may NOT be ,sea. CUSTOMER/CUSTOMER FILE
Printed in U.S.A.
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Ford Motor Credit Company
-P.O. Box 17948
GREENVILLE, SC 296068948
(877) 8057187
POVOZ000200027
KELLIE KNIPE
5 RAILROAD AVE
SHIREMANSTOWN PA 17011
IIII III II IIIIIIIIIIIIIIIIIIII 111111111111611111111111111111111
11111111111 mill
7190 0640 0010 0147 8990
OVOZC 002 E00027-1000140 112
S
s
Ford Motor Credit Company
P O BOX 17948
'GREENVILLE SC 29606-7948
877 8057187
DATE: 2009-10-07
POW7FMW100051
KELLIE KNIPE
5 RAILROAD AVE
SHIREMANSTOWN PA 17011
STATEMENT OF SALE
Account Number: 042730745
The following property has been sold.
Year Make Model
2007 FORD FOCUS
Balance owing on your contract.
Vehicle Identification Number:
1 FAHP34N57W331188
(1) $ 10,210.42
Deduct: Finance Charge Rebate (2) $ 0.00
Balance less Finance Charge Rebate (1 - 2) (3) $ 10.210.42
Deduct: gross proceeds of the sale (4) $ 6,900.00
Balance less gross proceeds of the sale (3 - 4) (5) $ 3,310.42
Add: Expenses of retaking and storing, and (6) $ 595.00
any attorneys' fees allowed by law, and
expenses of reconditioning and selling.
Deduct: Insurance Premium Rebate (7) $ 0.00
Other: (8) $ 0.00
(9) $ 3905.42
Deficiency'
S
l
* (10) $ N/A
urp
us
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.
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
n v
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o .-~
~--~ c:: .. -~~;
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:: ~~
_
~ ~
.~-
("l 15) ~/tSy- / 155
FORD MOTOR CREDIT COMPANY, A
DELAWARE LIMITED LIABILITY
COMPANY
Plaintiff
v.
KELLIE KNIFE
CUMBERLAND COUNTY COURT OF
COMMON PLEAS
Case No. 10-2040 Civil Term
Defendant(s).
PRAECIPE TO WITHDRAW COMPLAINT
TO THE PROTHONOTARY:
Kindly withdraw the complaint filed in the above matter on March 23, 2010 without
prejudice.
Attorney for Plaintiff
Date: May 24, 2010
Respectfully submitted,
MAURICE & NEEDLEMAN, P.C.
CERTIFICATE OF SERVICE
I, Charlene A. Taylor, Esq. hereby certify that on this date I have caused a true and correct
copy of the foregoing Praecipe to Withdraw Complaint on behalf of FORD MOTOR CREDIT
COMPANY, A Delaware Limited Liability Company, to be served by regular, first class mail,
postage pre-paid upon:
KELLIE KNIPE
5 Railroad Ave
Shiremanstown, Pa 17011
Respectfully Submitted, /~
MAURICE & NE~L ~ , P.C.
BY:
Charlene j~1or, Esquire
Attorney for laintiff
DATED: May 24, 2010