HomeMy WebLinkAbout10-2829ARBITRATION MATTER
ASSESSMENT OF DAMAGES
HEARING NOT REQUIRED
MAURICE & NEEDLEMAN, P.C.
BY: Joann Needleman, Esq.
Identification No. 74276
Carlene A. Taylor, Esq.
Identification No. 203920
935 One Penn Center
1617 John F. Kennedy Blvd
Philadelphia, PA 19103
Attorneys for Plaintiff
/V :i i?i
.
C
r rZ
/89-11-10
FORD MOTOR CREDIT COMPANY, A
DELAWARE LIMITED LIABILITY COMPANY
P.O. Box 6508
Mesa, Az 85216-6508
Plaintiff,
V.
CHRISTINE M BRONSON
1904 Princeton Ave
Camp Hill, Pa 17011
Defendant(s).
W --c
CUMBERLAND COUNTY COURT OF
COMMON PLEAS
Case No. 10 - 018a9 bv; C-Ri I'w?
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 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 demands v la
notificacion. Hace falta asentar una comparencia escrita o en
persona o can un abogado y entregar a la corte en forma escrita sus
defensas o sus objeciones a las demandas en contra de su persona.
Sea avisado que si usted no se defiende, la corte tomara medidas y
puede continuar la demands en contra soya sin previo aviso o
notificacion. Adernas, la corte puede decidir a favor del demandante
y requiere que usted cumpla con todas las provisions de esta demanda.
Usted puede perder dinero o sus propiedades u otros derechos
importantes para usted.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE.
IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE,
GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO
FIND OUT WHERE YOU CAN GET LEGAL HELP.
LLEVE ESTA DEMANDA A UN ABOGADOIMMEDIATAMENTE.
SI NO TIENE ABOGADO O SI NO TIENE EL DINERO
SUFICIENTE DE PAGAR TAL SERVICO. VAYA EN PERSONA
O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION
SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE
SE PUEDE CONSEGUIR ASISTENCIA LEGAL.
CUMBERLAND COUNTY BAR ASSOCIATION
Lawyer Referral Service
2 Liberty Avenue, Carlisle, PA 17013
(717) 249-3166
\v
49a• oo 'P n Ivrw
C0 do8o5
p IgIash
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
(L1J) /2Sy-"/155
FORD MOTOR CREDIT COMPANY, A
DELAWARE LIMITED LIABILITY
COMPANY
P.O. Box 6508
Mesa, Az 85216-6508
Plaintiff,
V.
CHRISTINE M BRONSON
1904 Princeton Ave
Camp Hill, 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, Christine M Bronson, is an individual who resides at 1904 Princeton
Ave Camp Hill, 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 September 15, 2006, the Defendant(s) entered into a written Motor
Vehicle Retail Installment Contract, (hereinafter referred to as the "Contract"), for the purpose of
obtaining financing in the amount of $28095.00 at an annual percentage rate of 0.000%, 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 $393.25 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 August 10, 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 $5500.00, however a balance of
$6480.08 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. The total amount due and owing at the time of the filing of this complaint is
$6480.08.
WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant(s), in
the amount of $6480.08, well as any additional interest and costs that may accrue and such other
and further relief as this Court may deem equitable and just.
MAURI9E &A NAEDLEMAN, P.C.
YLOR, ESQUIRE
Date: April 22, 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: April 22, 2010
WANIA MUM F INTFRFST VF141CLE RETAIL INSTALLMENT CONTRACT DATE 09/15/2006
trb Ce9Werl Nure.M Ade- Or .- C n anti SELLERCBEgfOn (9aMr n.m..rb wwrs.i
I-NO-727-7000 ?
?
CHRISTINE M 511-SOII B SMITH FORD INC
1904 PRINCETON AVE 100 MARKET ST
CAMP HILL PA 17011 EMOYNE PA 17043
CUMBERLAND
®
nNW.IOrdfYS011XM
As ' U 9w; 'va^ der roe. m r ear e+•
t7l . BIR.r7al?i ,o-?&ry.r. d wryl r rwnaa r a yw° r B
Prbe Yraea abwa ToW SW Prire.•ev rlmn9 rA aNw.a yrw
awor b<o.naode w.m.TMmP^».+b•m artya dWi Piro•ttr
r
"
n.
mooreb n.rrar.atomwwreA mn.Fanwrbr.asA ww.
NetrAlyd M wr AYke tApetl VNdde ltlwsab.m NunbA lice for WrwJt WmlwMa
NEW 6 ORD 5 1PAHP34N57N162905 ? peryml ? AptaWal
? Cmmwdr
ITEMMATION OF AMOUNT FINANCED INSURANCE
M, 750.00 YOU ARE REQUIRED TO INSURE THE
Cash W_.._._._................ .._...._._......._._.. S It)
S VEHICLE. YOU MAY OBTAIN VEHICLE
.
2. Down Paymwtt 2, 50D. W INSURANCE FROM A PERSON OF
YOUR CHOICE.
Third Para RWAN AUWW to MIA
Cash Down _.._._.... v') r. LIABILITY INSURANCE COVERAGE
S
Tads-in
S
S FOR BODILY INJURY AND PROPERTY
ana.rc 0»re
Owe Mb.MCe
rar ra N+.
2.500.00 DAMAGE p USED TO OTHERS IS NOT
Taal Dew, 00 (2)
3. lipid Belrws.1 Cash Prlu (I nwwrs 2) ....__..__...__............... .f rJ)
OISABILTTY AND
CREDIT LIFE. CREDIT
C Amwwde Pad An Your Maw" (S.ln -AY be nNAMAG • Pordat of anp ernemts) OTHER OPTIONAL INSURANCE ARE
To PUese Omebls 20.00 22.50 NOT REQUIRED TO OBTAIN CREDIT
i
(i) r Mar. (S n 1. Act IS ). S AND WILL NOT BE PROVIDED UNLESS
rapstrMan (d ) was d YOU SIGN AND AGREE TO PAY THE
PREMIUM
(ii) W IMig bas d 971.75
(IN) for MASS (rla M Can PA..) It
s .
Crag
To AAAAaKY Cmrpwnae ter: N/A 0life
CradR Car ywwFnu "A WA Irlaurence company
Crawl om"ity MmrarMe (r tend a oonbact) _._._..._._..... $ is, ,_ $
- MPnfs) _.......... S . ? A
(Tans
Premitm Inauretl(s)
1 w CMTTHPnon rRw1 olibBN)__.._.f 0- You want CM61 Lde Insurance.
To for s N/#
TCREENTRZ forn?•a - $
To for $ - N"A Buyer Signs
To for S N"A -
To tar S - 'A
Te }or S CO-law Signs
.......... ....... _...... _._.._........_..__.._.a?;r(q
S.Ar-wd FMancrd(3 Plus 4J...._...._..._. _..__..........__._........._.d Nil Cladlt
?D r
FEDERAL TRUTINIFLEMWr1G DISCLOSURES a WA Insurance Company
ANNUAL FINANCE Amount Total of Total sale
Premium Ins ire0s)
PERCENTAGE CHARGE Financed Pay-b! Price You watt Credit Disability Imdre -
RATE
e
u
n Th. rmrl a The mount Ta MAI eon
mw? o
v smu
Th.
Mo.m rr aaAk rasa
bywaon yar tdr h.»
tprrbs mie.N a va. Ituass.
I?t;y-
rnaAA+.- -M or ow you yen AA AA msaae Buyer Sens
17.49 7.936.75 15,656.-M MM M Fl`, e"'e-+. Be
X S f it S Oo-Buyer Signs
Yww • r r OTHER OPTIONAL INSURANCE
Nxnar of P.wee, AnsNAei ParmlMa Wea ParaMaLar}-?L.
'OMenln DAruaaR
C_ err Pre M M
M MonMs
T
-." -
erm
Irnurarca Cana
1.. /A A WA
WA N/A
SY
Pree.rwrev n vw a.y at Y.tw ew.wy. yea rnr na Irw ro wv . PrrM. N/A S WA
SarAy VA.": Y'rt an rbng .... ary Imral in ft 10- .hag Whom.
WA N/A
P..w,..c r . arm. m P.ruar, a «at a.v.?+ a..i..e mos. e»t to
my. k». Tate rawpsM u ormi a w w amanl. Ay
.d SW laonew-
w
oAAAA,, Air You were rite opeor el npinume Air wtkh
?. l
=14m
errP.N•.r• . prenums ere inducted aawe.
A you do mt meei your COrefI1Cf 0b11pt1orB, you may Mee YOur VOWS, As wall
as ban pats and odAds Put on your vanids end mrMy or goods Moeived for Bur Sipes
your vehicle.
BALLOON CONTRACT PROVOONS
C3 Yea Wt nwatrrwnl P"A w t lara Me a,rto-aet b a dMooo Payment.
EXCE83 WEAR USE AMD IaLRM GIIMRES
A the art antsy slow is ch ked, Me MoMin, Paagraph S. AM Paragraph C Of
Co-Buyar Signs
C..k La. AM cells ONeeudy As ewce .r.
W AAA eww At as convert. TM wears .tie
pamal. w mend M • nano r sAAA Am
ffa cw*W apply. You my be dnvgn r s.waNS war oseeo upon our stwldsrde gNwi y rw . ft.
for norew use. A you ine" Au opNPAo eM Ay wn de wck m Saar wider
PeipgMph B. you must PAY Ma SAW S0. W mu. tr earn mu. in .xa.A m CeeoldW Waesr AMM A.. IOAfrn0
?
r mla lhenrt on the Wonwler. ae ea r Alrrrarf you a» pi. • era
FXTRA NLEAOE OPIiON CNINT
A Iris CoraaCl pplaanb a bel im psymerd (a krcaMd more), err You here mmrbuai ether. Pra?vs a MI. e'rr's' A
?0ir °1e a r» realAe b eeMlt a at Tlr
t arA wtl oatawa awdet etsrstAw»r
exsmMd your Opera M ON ft wade to tie SMAr under Parprepn B, Ars an .n Midi in AA aaMAA AAMAAA, Alem 4
paragraph apples b your oonffyyAt the sonaaao And of the convect. You wul .femaYepllnaAr avw.cl. Ttr Orly r.r era
tl Ma
M
reoerw a creRYAf $0. WarkANd irYb for re nunftr a unused news r
aar
i-rmerAAAAi-
d MrMA FYAmM rear tidbit ..
nrNnwt
bawtren rte mild. WA ay errns You
our order tlIM contract. YW ra nd Itwrw, srry Coal d fy wade is daFy'ed, Oft l
r -
ooarad Mrs early, or you re M Mists. You 11 M racaiva any aerie a fui hem M
t,, ? r
lu Aryl or
NON-MODIFICATION DISCLOSURE
n
awp W .4so M wu mr ms sever.
At tie wheat mm e.
i
w
ArV arrP
nn
(
?
.,
,,
Cea yer x
B
YOU ACKNOWLEDGE THAT YOU HAVE READ AND AGREE TO BE BOUND BY THE ARBITRATION PROVISION ON
THE REVERSE SIDE OF THIS CONTRACT.
The Annual Pe passage RAy may be negatiVAd with We Bela. The BONN may aalgn this contract and may retain
Its right to receive a portion of ula Flmas a Cap.
NOTICE TO BUYER
Do not sign this contract In blank. You are entitled to an exact copy of the contract that you sign.
Keep tt to protect your legal rights.
x CAk?? 16t??,"?I kl`' Muyw x .. .
sure"
sW_
Buyer (and Co-Buyer) acknowledge, that (1) before t din this eontnet, Boyar (and Co-BUYor)
t the Urne of
II
hi
t
t
d
l
i
f
) a
s con
rac
an
(
n copy o
t
received and rsvMSrod a true and complete
y filled
signin0 this contract, Buyer (and Co-Buyer) received a true and comialstely filled in Eopy o iatlf
Contract.
aurr X(0 rALI•N.- cA-auras X
Sled. dew
L B SMI7" FORD IIC T der
THIS CONTRACT IS NOT VALID UNTIL YOU AND SELLER am IT.
ASSKiNMENT
MrAM1 Mb •• SPIyRD I hYBlTFIwRT!W? AS arr. rgnn. Prr•AAW, AM rw..al.w aY ¦Few e.lor, AA
err
=
a" tie. aims y ('A-W-")
=0
fgeNPP!lRBRBPBIAYCBi7 ONw an wmrr r
L 9 SMITH FORD IlC
im era/
?
d
..v
i
ay X.
ncr e» ?ar..w.?r wmr,..a.l sat:onACR hoe wnAmlrnorrva ACnEaxenrs
ORIGINAL
PLY 1 . ORIGINAL PLY 2. AVERS COPY PLY 3 - CostryERIGUARANTOR COPY PLY 4 - SELLER'S COPY (NON-TRANSFERABLE)
ADdMNAL AGREEMENrS
into
A, Potonelf ell- snrfbrY "all You thuel SUNS St Y-
r U.S. kmr whrl " on dr. You aft PSPSY Ycur
rra .dory tact Mwwp.,.y. HM .•.anal."'"'M.brad.
TM owl lb.nrS dw" YOU W" b pr rr dfptr m vow
patwt plod.-. 710 fmta Xrlrlp d1tq. mry enoar w
ow pYSMr IMSr Mlrn
darbatd FYrroe . Ct0 Yr "NO.
w sdrdube dSbS « w Ire drSn W nentlieed rrr New
peyMS W M fpMo ores b M dente Sr oenb pon pen a M
GrtTlt eta Soon b U9aotbS?MxW
SWISS- IS r F P?eSrritWe
I Crwda rrd -y Y upPHYAq
Amaee l Furor
rnlpUS AmrSf FSlfrraetl for" oalfl XMWI
bb b M u
IS euwrnaoq- II w vSIS.b r rwp-
ttfer, vwr rrM M Mr M r101W n ranewf w wand unre
w Barr Spreu.
6 santrn Payooal"woomm: K vaur lag SAMm rt payernl
ISareVa Nmrt r f Gtdar pfyrrtnX r emir SU M lad
of M. -nufact. v-u MY hr.b M Ire Inow"Solt pymSnt 1n
Son d Beef bet.
Fl?r j. rwt MY Mr r Son YW ewe "Solo trralwla4rra
pyMM r due rd inw y- .rend rhiab.
} Yr MY Now M bon worst pfPlbn letlw
Yp M n ddlfrdt t nol..l w prorfa. X M Sooto Xr atlrlbed
nub b Wise fay b1olA, YouIoW poY beCX M SSMr IIMa.
k.m1O- YraW.wetprearpreadb?wSrSSrSP-
rlS bdtont tolwSM rMYrntti. TM A-011 Peo-atrgS FMo
rabrrbp a/X M M IoSrr tl MInP.R tpnSe b
(APR) br HIS
by yet ra M Srr r M Yme d M te%11N1WXq « M
nrArrm lob IreoloWtd by yb. The bra of M ON 0 waq will
m[veer r M eladlln menwam M r=. No M rrnlfo a
nwrdy pwpw*. The mwwrrd am"
pet trd f --ft z
M- Soo r w oaarsT %M wXrrw amwae wN pct bkv
pfd vatldn SS Sleola of w dG otr dew Mil llvobotrolenl
pAn o" Ovo rwip. w to My follow. t(nwnt*Ufm M M
rnwet nett ro Try pry M rehrred rrrebll ardn act
ttrbiwlo If M dw dMe a M ba Nr mi poynorn. 11 ywo
Soh b MNrlot, yw mug rrWRY W Srer in ?nione. E-W r
antra in die teNlon, M nom mug on .dared ro rtr
11w130 r.yf arrrb M oloe deb a M bsr SnrwYrlant peyrrre..
• Yr rrr/ w w vW*b b M SOW for en enntat MW
01 rr pry b M satar ry
ro w I.a Yrletelan pYMnL Vw
Yllglnl Wer Nloef Nff ppralod. Mlfl Youw. wNM
bMr, in peHL m M vrlm.'t me.wge. YG aro`neou Wy to
M ErrM eewlbrd rbaf ===
w non d Ito- weer Sr -, loon w vahw. b t pride telolod by M Soar br MpeClbn
ro bar Yon IS rhys par b W WI brbtSwS pryrrd due
done AM M Slepto11or1. If yr /eCNe So w He r111Cb b ft
S.A., You Ma vw M vmme b "*Saw m new don M
SoN pagdlMl% pSMnd% *A ddb. At out 1md, td t1Yn woo
Pte w dew • Nr. wnm aaeN p IISr raw e1mM BMbrn
ben, aerfmai eoomone q b M Srer « S pram turd p
n BeYr. Asa. M "P.M., I V. 4--id. M b w -N&
on W Ed, YG onon blrlrodftey port V. SrSr for af-
w srr SWIM, to wrf b .loran M Ib1 intWbnml
prynrnl,
C. DoMp Repe: II ywe ba nerrlo. payMnl uror lob
errrt r . babwt pryMre ara Yeu w M vNdde bock ro
w srr untlr P..~ B,1- m .rpMble tr reps d
A d..w b w vanklS sot e. na M rrr d Aral Sort
ape
rb res. ltuae reps Wrde. Sod re not I n hid W.
noted. b:
m olhothh..i.bMdrobr to W-Ili dd not t9 w.? «rr un
lkl rapb MIrrletlwunal datde:
(N) repair IS, nptSae r dStbd. e«fbhr, awPSd...bd w
ndSftldoe baW pSrNa, p- d wthim beerGSOn Xrnv,
r d.rllSd. ae.eelred, .0". Food. b r ndeebq Stn
nook ere-. roed-ad ofed, lontror. r entew . Now "M
Y w
r a?wesee makterlbo; r font USS, MM'"'
wpm Sbr; ao. r orlon- Shat -0 M -mend by
,Mfoo t w oronnoon wa Irlourrna M.tw w M -h
hwWre iSSrruv In I-
%tu hove rid ptwde M rep- Irlepeed-n d M rt.*
mar Poowz S, teen ui Mbobre M YlXltwlod Gad d ar.h
Safe, ern %M Sere M rid plead paw lop ypf rlt of M
molt b M Soler. % you SSU q- won M -*nrfd opal d
your sa y .fIS p d dry mMr M Sloe et nor eePntw poor to
your e -hid. b HIS Soon, er.
oppron w IV" Snd amount of WAU rf. K IM vMidt b bet. i
drtnpd w rabefod. yon recta pay M Nor Solo[ b Mill
YOY eptr Ills d. lTebr CSrI mra • wen under M IMUnrrd
poky. Yeu rarrr.,w'rawrke oarrlpSrw b pravlde soon,
awplprm.ugn 8eI1S,r WM/ee b nSb • elMln. You
W ur baundr proGbe tl I?M vMNtle. IeYW W
?pa?b ten mYaea.iaMl ntl.?tl? else. Yott Il?irl Xibewt ?Irw?
srno. praeeeea b par ahem You are tM ealw. xYauNl..? o?ayf
m M wMka dpeanT pSY Sb You ewS, Ywt mrW pY
Owed.
0. ReYmrd MrrwerbS P.mbM eM saner Crtralo-t
CM.r: Th. eomreM --aJY, mean arrpr Ids u BeM?
-Son, awmf-b, « Whoo, r+raM. Y. "Pon
y ua W bmlfmb Stan In obWn nWrG at rmeamr anargN in
I.,- wM1 you otr. X w slur sob S Murl m Iru -
snoft. Grnbaeb, Oren. GHO1edo. MBeer MN.W odwboa
MW you rwr. Orr. r eMUat dead undw w Gd.CI an
o ie. awn Uning l k m m M pad b You.
H. Droult: Yr NX M In dark %:
t. YG N M MM • pySw. Mrtn o 4 dr: «
i.'Yr gmw'[Yee ur'iryereauq Fbdrnrliarr m tw rnaX
wade rMarbq b w Memo: «
3. Vow Ity S n, SrrStl Y r M tree or Morn So u tlt4, r baron
fltoraoov p.mplly S110 1nneandtiorlMb reSSnstl
byr:w
4. You Ira bellAW" pmm r am S Ned apbal Y-; or li
s Yr do M Sop Sw utrr pramlee In mfg Greta-t
00o-
X t5rd.btA, salon Get a:wa.. swn rinr. waM IS
Itae1 vM SaMr. aow lone utrr ne bS.
I. RapoearelM: K rot Mhal, M Bekfr mry squire yr r
pY w onea mt Ngob AMGI RrbrNO4 M erred eM ."pled
pre a M Fewae Cltnp• Sob r am wrung dw- s w
? -I g?reppew %MlI" M)lAHS In? I Ali
er one fltrrl ter rot.
J. Yaw RIyM Ta Rrorn: X ne vMSdt b 1rw per, drr I
rr ten0 Yeu • nrp. TM nodu? wN +T wr you !loan .arm
IbeY.badL) wvrlhkN"r0 wrawbtt HtW b redeenrw.wlwb.
Yr mry ndSrn M veldcb w ro M tM pro Garr toN k «
"-. b w It 11 volt do M ndern w wbkb, X tr M dad.
K. DHtPeelUen d Maw Vion % M whide r'Wlm bre
old fact. M 1nwltN'Adet M edict, it" al~ Mponso . MI
M Iced b py M emwat ep -fad an M conned. AtawM
elPantO YSJYOt 1MN pb.t • also meX a Moots b rare
M veldt, hod X, PRIES e X bar. and w it Rrawebr
rwtYS Nees Sr bpLL dale an Slowod, toe. X M. b aw
Harry 1M • (aupba). X Will be pad b YOU. K M SWISS ISM
M aW b net aotattpl b Pry OM droWllYw-1 rtl CWaw, yr SD
wMn w Soler Nee. w Se?nlty Doge ?elwte?IM
hghW ISSha rat mlk Ym PSY.
4 Cafeal nn CSa1S: Eacea as olhenrbe vn, eWl l by Son, you
aunt pry My artl all anpentee "bd to ederdng WS mnfd,
ndudbrp G11.0llen eaparee, bwy-' Ier and M. bpi
elwenra. 'L .
1'on a CO 1tumltr p IanaM mMoo e: Vag •u?ie w Arlgnr.rr m w
b b Malian emr«rr erw rwma trim cmualw rwonyq apnar (crnaf pSnwt)1-r aw rrrn aM al -
any fm. ? edlneclion wIn nr errand.
r ao.rW rrNMponrrlW
N. =1.=k
by d PMMylrrr. .
orrrak Thal G.raa mSwM M anloeSpwnwn eeltreen
0.
Saw Sr you WMbg b w tree and trwtrq d w moles
M lrMVelw,rdlw pro ebY
what. prdwrIM1311 S*Mft
E SOW dooen'1 wo arts . Srer
n SN rorCa err. torer. . s W,Wtsd. dr r d SkrabYa dPln
m • bSmtl Soy.
d M Iwtt n.rwnm pYer• tinder 1EStcL?p Gtr.d if If brown
-' p:,...Awlpw Ire niateaov nrgp.In it Gpsary
AtYgtrwe Rlnleled i.armrb.. b r1p14 (bN non Ib '.
dSlplbna) win rrpacl r IM puclrar ara rr d 1hr rehkr.
D. srwRy brelort: you an. M Soot a fadplly inbM in'
I. The while aloe no pro r rW goad[ pl m M vMkb:
2. Al nnlley w good. notrfd br M rebid.; rM
3. M Inomnp pwrlhxrs am earvke clnbade blomed Tor
YW-
TT.eeNree paymw.r et LLIamombyW owes user Carrrl.
It ebo teddes yGr agar grllelrlwlr m tNt Wiped d,
s. Um of ve1rSo • wrrrtre You anal bM end w
.**W Sul any r H.r. in t.t Yr My low w or we w
rfldda. oM yw hart top it milMdam.d l nVG
poonif So ere IS . itM wmno a1 ISI M UnASd
stoolo. damp b w b SO ape b Crrede -r M Iletdco, wkhout
Lion
w pro. vnlden Gtw. a IM 8elbr. N M vfpkb b r a nape
CW Wly urd Nr prroa w eM Iwo Eeler, ar M vSN•
m mbNdrMll ti e.Ynda t WWAM
tfeK moofrrrrp w 4m.1
Ill.bedamNdw?e IfenH IMrb r
rer Y.-
Exit annpeeL .21.: --- -------
0 it SIXro M IS rf vMYW.
DtnrtrrROt. Yee undrelor eN epee ol drwa a. ro Sucfi
knpftd wwwbt. efewn p a.it by Sole.
F. VWC% bflrNlr: Ywt nruM IMU. M vehkle apart br
or OrMp boa edlw.. M or IMt. Y. mytl - Set. r
M br pay. rprp the rrrllG poiq. TM Sebr Isar
NOTICE - AMY HOLDER OF THUS CONSUNEN CMUR
CONTRACT M SUBJECT TO ALL O.AM AND
DEFENSES WHICH THE DEBTOR COULD ASSERT
A"MST THE sELLMI OF BOOM ON SPAWICE8
OBTAINED PURSUANT MERETO OR WITH THE
PROCEEDS HBNMF. RECOVERY HEREUNDER BY
THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID
Una Mrar VehbSo Ebyere GU". If you a. bLwf.9 IS
urd vthkk with tot contract. Iedwal regllbiwN Spy
nequor. of M vrdab ME TMN sEEE ON
THE WINDOW FORM FOR THE VEHICLE IS PART OF
THIS CONTRACT. INFORMATION ON THE WINDOW
FORM OVERAMS ANY CONTRARY -PROVISIONS IN
'get M redN X flfofoeee lilt -enlleerelll r aerlw.d.a W, m
ew der, yr IarMed MI rW Son eeeroa try SrIPaS r
rrwrad MIM N dal CaalrSel dry MehnA dart. r eepllb
SNm Yeu Orr trove oprr M Tor r atrrsTerr M M rehab.
GUARANTY
Ton N w SeIW b rW w MMn Weawwd m w Soo. a mr oM.d b w Sugar m non. dam pre-. wM tidrle babw'ae a
=- br pwreSee M Irymre a w eenlrSe1. 11YO mnSrr eW x M 6ryw rN b pr rY nnerry 11.) r Soto G w erY1a
prowl Milo for r • tporneer W pry l SFr rpf6 ESdr 61rrw ado .Pict bNOw qer YW M MI M drr rr w
9 d erwa mew Wi IM orEwang (q Wlbr tM GIMr rr= dM wro nr matt pp'm r", ?lh?pben Miao w m
In pn ro BIN d w oar Gure.Sit w k) rubs ew secully. Erh r3rrbrtbr Mho elalw , wt M rrr reaared a conoHoW GyY
p w Grareel sold tlr Cerrtrry M M pM a IPINq.
Grw..-. Ada.,.
Gurrtbr Adds[
FC; Mrdl Ian ar InStb.r aaaev lots rqT w r W.l SEE OTHER SIDE FOR ADDITICNAL AGREEMENTS
cc rpYAftYC tTb]-IW
"'PRN"`
Ford Motor Credit Company
P.O. Box 17948
GREENVILLE, SC 2NM8948
(877) 805-7187
PM1000D200033
CHRISTINE M. BRONSON
1904 PRINCETON AVE
CAMP HILL PA 17011
Date of Repossession 10-14-2009
Date of Notice
10-16-2009 :Date of Contract
-15-2D06
Account Number: 041506410
Buyer CHRISTINE M. BRONSON
Cobuyer
DESCRIPTION OF PROPERTY
Year
2007 Make
FORD 0 New
? Used
Vehicle Identification Number:
1 FAHP34N57W 162905
Model
FOCUS Body
4DR
NOTICE OF OUR PLAN TO SELL PROPERTY
We have your property described above because you broke promises in our agreement.
FX] PRIVATE SALE: We will sell the property described ? PUBLIC SALE: We will sell the property described above at public
above at private sale sometime after 15 days from the sale to the highest bidder on the date below (or any adjournment
Date of Notice shown above unless redeemed by you date). The sale will be held as follows:
prior to such sale. Date of Sale Time of Sale Place of Sale
You may attend the sale and bring bidders if you want.
NOTICE OF REPOSSESSION
The property is presently stored at: MANHEIM AUTO AUCTION
1190 LANCASTER RD
The money that we get from the sale (after paying our costs, MANHEIM PA
including reasonable attorney's fees and legal expenses if
permitted by law) will reduce the amount you owe. If we get HOW TO GET YOUR PROPERTY BACK
less money than you owe, you will still owe us the difference. If To get your property back, pay us this amount by certified check or
we get more money than you owe, you will get the extra money, i money order before the vehicle is sold.
unless we must pay it to someone else. Unpaid Balance $ 11,544.99
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 Plus Late Charges $ 15.74
Property Back for an itemization of amount owing. To learn the Less Finance Charge Rebate $
exact amount you must pay, call us at the telephone number
above. Less Insurance Premium Rebate $
TOTAL $ 11,930.73
If you need more information about the sale call us at the
telephone number above, or write us at the address above.
If you want us to explain to you in writing how we have figured
the amount that you owe us, you may call us at the telephone
number above, or write us at the address above and request a
written explanation.
We are sending this notice to the following people who have an
interest in the property described above or who owe money under',
your agreement: 1) The buyer and any cobuyer named above;
2) Any dealer/original creditor named below; 3) If there are other
people, they are named on an attachment sent with this notice.
(Plus expenses incurred if default at the time of repossession exceeded
15 days and less rebate received after the date of this notice.)
Your property won't be sold until 15 days after the date of this notice at
the EARLIEST. After that you can still get it back any time before it's
actually sold.
If you do, we'll 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 dealerloriginal 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.
VERONICA D. NOGUERA
FFNA 1158837 Jan 02 Previous editions may NOT b used. CUSTOMER/CUSTOMER FILE
Printed in V.S.A.
i O
C
m l
d r
S m b t m ¢
?
W
C N ro V
E N o '- 2 d
m
" t a
mS p
N
N OWN
O "
??
LL
tl9
4U
Q?u
E
Ln
M
Q 609
O
. Cy
O O C ? p O
O
1A °
URI °? °? Vf
P
°
m
m O
pOp O
m
6H
69
fN (V
ift N
In LO
M to
m Ln
M Ln
M Ln
m
d9 69 60 69
to
0
m
0.
I?k
a
?
o
?
I
m
?g
N
h I I
?
V
N I
I
m i W
n
0
?
v
10
m
p
M U'l
O O
O r
co
N M N
N
.s
2 co .
o. ._? _N N ZQ -
to ' cn'_ N. W N. .?. Z O.
N to W
Z>r c n O Q
a M
O? M
v M ? 0
d P- Q Q M
coz JN
?
m ° I
° rn vN
a v
I C
o< ?m
?0 00
_ u
x v -mz
M OQ Q M
MW O
° Lo
O co ?oU W
OLL
>Q co
OW Q
OU` ?X oZ>
OU' ?Q E
Z
o?Wa opna omput o oa
Z 00 Q $z }- g uia m I
V 5 NW Z J
Z NZMa
X t- NW ?U
W Z
O ?
NU
O M W NO XH
Q cli w 0
Z
r o?ap
a Z a
y 111
I
m O
..
OF-W=
0 00 z
QOa Z
oZ?Q
W °WU
Z V0OW
?m LLI
C O
N{ L
V WSON
2
?
D O
UQQQ
?_ It
E
?v?
a
S
?
Q O?DCD
?
wU- a?
U
W
?:) >-1O?
?
Q
3Qc?n
U=
? Q ?
-ti
?a=, ?W
to J
r?
o?coQ H
o
a
- a,
1
oU - U s
oMa: OU) N? G-- C °-j 1.
cc
n
L CD
r? 1L
Er sa o
-0
S
S S
co Ln
ra 111
'? -0
r-ml '4
1 q -1
O
S
?'
S
0
S
-0
S
S
S o
a
o p
w
r
A
p
O
-
O
p
p
r-I
O
E
v
?j
0 O o
= O E I p ? O O
ra O
r9 or l' ? oy u
to z C3 C3 ?
go
E
a i
O O
cs p
O O
O
d O m
v
00
v
G
Q o
a >,E? o
0
0
-D
co Q A
O
O
O -
O -
C3
O C3
m_
a 19
v C D C
v O N p
O O p
- p 0
Q- O
Ir a?
o V
co -
m co
U
r
a
In
'o
cc J
mJ
r
[?
N
M1
Z$
I?8
1
Z (M M I? i i? 1
1110191DDID00 0 2l-
Ford Motor Credit Company
P O BOX 17948
GREENVILLE SC 29606-7948
877 8057187
DATE: 2009-11-25
POXSPWO0100053
CHRISTINE M. BRONSON
1904 PRINCETON AVE
CAMP HILL PA 17011
STATEMENT OF SALE
Account Number: 041506410
The following property has been sold.
Year Make Model
2007 FORD FOCUS
Balance owing on your contract
Deduct: Finance Charge Rebate
Balance less Finance Charge Rebate (1 - 2)
Deduct: gross proceeds of the sale
Balance less gross proceeds of the sale (3 - 4)
Add: Expenses of retaking and storing, and
any attorneys' fees allowed by law, and
expenses of reconditioning and selling.
Deduct: Insurance Premium Rebate
Other:
Vehicle Identification Number:
1FAHP34N57W162905
(1) $ 11,560.73
(2) $
(3) $ 11560.73
(4) $ 5,500.00
(5) $ 6,060.73
(6) $ 565.00
(7) $ 0.00
(8) $ 145.65
(9) $ b4tSU.10b
Deficiency" (10) $ N/A
Surplus'
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 uses.
M~
''1~ Tric F~7;'. ~~~.~.~TF~~Y
Attorneys for Plainti
Oi0 J~s~~ 30 i'r4 2~ 27
~ ~,1 ~ i ti:~~~ i_~fr~i~! l~l
MAURICE & NEEDLEMAN, P.C.
BY: Joann Needleman, Esq.
Identification No. 74276
Charlene A. Taylor, Esq.
Identification No. 85248
935 One Penn Center
1617 John F. Kennedy Blvd
Philadelphia, PA 19103
(Z15) 7~Sy-7155
FORD MOTOR CREDIT COMPANY, A
DELAWARE LIMITED LIABILITY
COMPANY
Plaintiff
v.
CHRISTINE M BRONSON
CUMBERLAND COUNTY COURT OF
COMMON PLEAS
Case No. 10-2829 Civil Term
Defendant(s).
PRAECIPE TO SUBSTITUTE VERIFICATION
TO THE PROTHONOTARY:
Kindly substitute the verification of the Plaintiff, FORD MOTOR CREDIT COMPANY,
A Delaware Limited Liability Company, for that of the verification previously filed.
Respectfully submitted,
MAURICE & E LEMAN, P.C.
CHARLE A. YLOR, ESQ
Attorney fo Pl nt
Date: June 8, 2010
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 Substitute Verification on behalf of FORD MOTOR CREDIT
COMPANY, A Delaware Limited Liability Company, to be served by regular, first class mail,
postage pre-paid upon:
CHRISTINE M BRONSON
1904 Princeton Ave
Camp Hill, Pa 17011
Respectfully Sub itt ,
MAURICE c~E~LEMAN, P.C.
BY: _
Charlene
Attorney
DATED: June 8, 2010
.~
VERIFICATION
I, ~ ~IINeflU~1/~ verify that I am the Authorized Representative for
Plaintiff, FORD MOTOR CREDIT COMPANY LLC, A Delaware Limited Liability
Company, and are duly authorized to take 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:
Representative of Plaintiff,
FORD MOTOR CREDIT COMPANYLLC,
A Delaware Limited Liability Company
~ ~V ~ a ??~~f?
DATE:
CHRISTINE M BRONSON
Our file no. 12847
48063000000041506410