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Home My WebLink About10-3356 ARBITRATION MATTER ASSESSMENT OF DAMAGES HEARING NOT REQUIRED MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 t/Eharlene A. Taylor, Esq. Identification No. 203920 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 Attorneys for Plaintiff /2iy-7155 FORD MOTOR CREDIT COMPANY, A CUMBERLAND COUNTY COURT OF DELAWARE LIMITED LIABILITY COMPANY COMMON PLEAS P.O. Box 6508 Mesa, Az 85216-6508 Plaintiff, v. FOUR DREAMS INVESTMENTS 960 Alexander Spring Road Carlisle, Pa 17015 Defendant(s). Case No. (O - 335(0 C~,~ t~ ~ cn <-~ -r ` ,.._ W ;; ._ -~ T_ ~- . -~ p 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 [hat if you fail to do so the case may proceed without you and a judgment maybe 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. Le han demandado a usted en la torte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) digs de piazo al partir de la fecha de la demands y la notification. Hate falta asentar una comparencia escrita o en persona o can un abogado y entregar a la torte 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 torte tomara medidas y puede continuar la demands en contra soya sin previo aviso 0 notification. Adernas, la torte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demands. Usted puede perder dinero o sus propiedades u otros derechos importantes pars usted. ~~~ ;`) ;-_ c a~i 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 ABAJO PARR AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. CUMBERLAND COUNTY BAR ASSOCIATION Lawyer Referral Service s 2 Liberty Avenue, Carlisle, PA 17013 (n~>za9-x166 ~aa.00 PA 14T1~ (~~d! D8a CIVIL ACTION COMPLAINT AV ISO ~~ a ya373 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) /tSy-"/155 FORD MOTOR CREDIT COMPANY, A DELAWARE LIMITED LIABILITY COMPANY P.O. Box 6508 Mesa, Az 85216-6508 Plaintiff, v. FOUR DREAMS INVESTMENTS 960 Alexander Spring Road Carlisle, Pa 17015 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, Four Dreams Investments, is an individual who resides at 960 Alexander Spring Road Carlisle, Pa 17015. 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 October 18, 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 $73337.00 at an annual percentage rate of 0.000%, in order to purchase a certain motor vehicle, 2006 Ford F-250 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 $1183.95 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 April 4, 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 $30400.00, however a balance of $22667.05 is still due and owing. 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 oaf 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 $22667.05. WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant(s), in the amount of $22667.05, well as any additional interest and costs that may accrue and such other and further relief as this Court may deem equitable and just. -~--_ - -- -- - --fD~zoo7 PENNSYLVANIA SIMPLE INTEREST VEHICLE REFAIL NVSTALLMENT CONTRACT GATE _ 1.8011-727.7000 ( sp Camry W BELLEIUCREOROR (Salbr Name ens Adaeeal BRUCE CLARK DOUPE JR ICCAFFERTY FORD 960 ALEKAMOEk SPRING ROAD 320 CARLISLE PIKE CARLISLE PA 17015 1fCNANICSBURG PA 17050 ~. Z2~ www.loMersdlteom ',. nw Buyer lane C°9uyer,.q wYlbbFNredN ee `you''a`FUr 4Nmd bae'We:'1e"or-SeIM:YOU. maV WYUe Mkb MCrbp ~', above b dry tlw Mbbnon aedl u~ ols OnanpMa ne+l°a ar~ie sew dew~e ~sPwrte a wbwn Mlow u T°m SW Pnce.' By slgrung mb m'IYecL You a MPMI VaNae bblllbtfxl Nenwr U4 Fd wealWmlbse NEN N A ORO TRUCE -DTY F-25 1FTSN2l YXBEC63506 ~°^mn•' OAprlaYlum ^ carwleldN ITEMQATN)N OF AMOUM RNANCED INSURANCE 41400.00 1. c..n qi°o YOU ARE REQUIRED TO INSURE 1NE .,.,.___,-,.,,,-,_........._._._...._....._...._._.__......._._.-._...._S n) 2. Dorr+Payl°°It VEHICLE. YOU MAY OBTAIN VEHICLE 2300.00 Tllbd Party ReGte AsYaned to Seller...__........__..__...._......._ f ~ r,~ INSURANCE FROM A PERSON OF YOUR CHOICE. cr11083B8f10NOni...._.._.]gpOp„g0,__~,9,157,O,SA„_S_g~gg- Tads-in S S S LU181LRY mSURANCE COVERAGE F Yw am Nexa Dloea Afowerlw Amaral ~°° OR BODILY INJURY AND PROPERTY 2300, 00 Total Dawn PaYmenl___...._...._._........._........._._._...__._.___._..Sgs{(p,gD-(2) DAMAGE CAUSED TO OTHERS IS NOT INCLUDED. A UrNeN BebnPa W Cash Pdce n minu9 21 ............._._.__...-._.__f IS) A Anbwb pent on your ltMae (SNbr may be Melnilq • penbn of Mew.r.oum.) CREDR LIFE CREDR dSABILRY AND To Pu6ile ONb1NS 6. DO 22 50 OTHER OPTIONAL INSURANCE ARE O (i) br flcwbe (S 7 Sn ) fYe (f TS M b )' N T REQUIRED TO OBTAIN CREDR ANO WILL NOT BE PROVIDlD UNLESS regisaa+ion (i )'tawS A~_; YOU SIGN AND AGREE TO PAY THE iii) for lffrlg bas f tn7g m 1720.00 ~ PREMIUM. f fl for blbe Irnn in Cacti Price) f S To eburerse COmismin tor. ~N/A cradle LXe Maureno Iror brm d amredl....._...._._ f ~_ MKaadxOlasMlNylnaurenee (br+NmN/Aanwd).___..._._....i_„r,^ un ^LIC h~A N/A IrlSUrence Company - S an N/A (Temlll/e Monow)_...._. S~_ Premium Insureo(s) t A a---rVFp Mplplsl._,,,,,,,,,3 on~_ A Vou want Credit Life Insurance ToN/ far p . TefbCAFFFRTY FORD 1p (' FFF i 55 aj f TPNEMRERf IeT F OFR1 hM1FG1TTVF FatITY S+~cnn Tdlyn Buyer Signs Twli/A s INA raN/A twN/e S TO ~ f 16LI6, i 1 Co-Buyer Signs Tael......_._...._...._........._.._._ ........................__.........__._.._....._._. S+onc +• -,.,c.o-rte Ia) b. Amoum FMnbd (3 plea 4).....__._.....,.._....._.-......._...._ ............... f Ib) Credit N/A ^ OWbillt FEDERAL TAtiTH-INIENOINO dSCLOSIIRES y S N/A Insurance Company ANNUAL FNANCE Amount Total of Total Sale Premium lnsuredis) PERCENTAGE CHARGE Financed Peymantc Pdre you warn Cretlf Diseday Irlgurence RATE TM eybr rnounl TM emeuM o1 aedR Ombfee TM arnplee Yw will Ilba TDe oom ixM a ealeee . Tie mrl a Yuen aaib u a wM ma ew aaiN MII wn ya, m rov or w your gabs oMale» ~ ai etf4Wed y~ P vrdlierlobag I' YO-1- Bu er $I nS 5.90 9791.86 61245.10 70 ~~ ay_ y g % E S E S C Y o-Buyer Signs ea mN11 SCMaii Hamer a PewMn4 Ms e AimraA a wwwm wl+.l+Mwrbnb w Ow OTHER OPTIONAL INSURANCE OYO ~~~i-~I I~u ~ Mn CorNege and P4rNUm orb Imurercs Cam°arw Term In MonMe /A M/A S N/A N/A By rreP.ymwM it y°v wY en rmnr e.b «nr. nn wia mr hMa b oar a wnalry. eaewq rmb.N: von w hw . a.swe Ini : /A s M/A g p y waet + n+ MkM obrla paabreb. lab Psl'merrc You mm pay a bb ifbRp onm~patbn a ram paynlarf rawNep mom fm t0 sere bb. TI4 WlRab2.o awwnlaa»bb i. N/A N/A By cwrl.~al: rl~l b~ieoul~e~rapePneru eaaeond inrerrwpon w ee<wey Imams, wnpeYmml eateal. IM your acct a lull eelrn ee eaeelfee W4 erM V W went ale epeaw ilaurar+w br W+bk , Prepayment perlelry. premiums ere Indudep eDPYe. I~yau do not meet your centred adigeaw+s, you may lone your vehide, m wNl both pans antl goods put on your vehide and mone or ooda i d ro y g rece ve t your vemGle. Buyer Signs BALLOON CONTRACT PROVISgNb ^ Ywr bN irbbllment payment under ens oor+Drr b a Dafoon paPMm CbBUWr &plc . EXCESS WEAR USE AND MILEAGE CNAROES Gek LMe end CreNl DleaNalr Mrumrw en If the box drepfy a6ow a dbtlled. tttie esdbn. ParegwPll B. and Pabgraan C a ~ °1a brm a ew maser TM e.rolen erq thls wnrmcl ePply. Yw meY De charged Iw exoeaWa vMr DeaM upon ow Nentlsrtb °~a en aeawn In r+aakl a aareerlrem D br nombl uae. 11 you exercise roB pMNA b sell Ma vehicle Deck to Safer under N wI 4 Yae 4deY. Y /igrapn B, you mull Pry dle Safer f0. per mue Ipr eats mile b exabs a mite anown m the odometer. dN c«wabfan IYeIYw AtlfelJan loprbbq EXTU MILEAGE OPTION CREDR n mN Ibx le areabe yw ram pnmlleeed iba wnwlWxn wbb. Puicheee d eb eawreve b n Nis oonwa wnbine a callow peymen+ (~ irlnutae eewq. am rw nsw °°'pn4 w b ^^I npwbe b oebb md+. Tne B[elCbed Your Opfw b cal the •aliao b ale Sakr urldar Paragraph B, tbs B1°Y enewmilamaebaa wnnNtlpn.renwr I bM " "' FNasrapn applbs b yNlfAwnliad. At me shetluled end a Mb canrrn, you win N nb ssedbf Amsrlflrn wnicA b Inowporebninb ebavni.cl Tl e b recMre a waYibl w. psNAAusea mib M Me number a unused miles . w rmaa.al 4 a umas.fw weiwrbeel bN wfbax++bs+b raw ~IVraan and mike, less any errwmc Veu IbrNreMn a Ameum Fkbroo unesr sawon a. oww ama e:s oornmct. va, Mn raw rawiYe am pledn n rare wnlcb b anroyetl. tnN U+sn s ~eM, w you era s+ debua. You MII not rscNw arty Cretltt H tlb raatlit N sayer 6g° NON-MODIFICATION DISCLOSURE MY aRmp m HYS oamnacl mrb M In wnlbp enb~~p awn `fb 5 C Blneil a r~arN-if*o~a..~ L.+~.e.~f X Co-&ryer YOU ACKNOWLEDGE THAT YOU NAPE READ AND AGREE TO BE BOUND BY THE AR81TRA710N PRONSION ON THE REVERSE SIDE OF THIS CONTRACT. The Annual Pergntepe Rent may M rregotlebd YAm are SNNr. The Ssaar may eselgn ihb eonlrect arw may releln Ne RgM to reeeNe a poRlon o/ Ure Flner+ee DMrga. NOTICE TO BUYER Do not sign this contreM In hlank. You are entitled to an excel copy Of the eorereet that you sign . Keep It 10 protect your 1 I Nghts./ /n) mAxl_d.2u7~- S.lrrd..-, i .ail ,~9 ~a,yar X ~` fiam VY Slgm Buyer (and Co-Buyer) acknowledge that (q betore sienino this contrect, Buyer (and Co-Buyer) ~ received and reviewed a true and compkMly filled in copy of this contract and (Ip et the flme of '~ sioninc this controcG Buyer (and Co-Buyer) recelvetl a true end completely filled in copy of this I contract. y~~"" l~ - ~ e ~ ~ n ~ T BUY.ti ... . w.r x s TICCAFFERTY FORD '~ ' la ~ J '~ TH18 CONTRACT B NOT VALID UN71L YOU AND SELLE SIGN R. ASSIGNMENT Beer rtes' trwbbr Mh oaiMBDeNB2aY WfiPIThe0eIW1Ym Nan Mw a118Mbr1 naeA Orbibear. bb+eebdba M aipnklp bbw Ma , ~ ~ +Ne laneeam- +_ n_Y27- OOO 1•Aeekrna.•1. erepreaan M4 ewoacL ae ~ , w vbn err .cart tl MCCAFFERTY FORD ~ '~, ,s arw ey X Thb LD'l.C'sa'L!i_ ORIGINAL PLY 1 - OIadNAL PLY 2. 9UYER'3 COPY PLY 3 - CO-eUYERgUARAMOA COPY PLY 1-SELLERS COPY (NON-TMNSFERABLE) ADDRIONAL 4GREEMENTS A. Payments and Summery Nake: You must make all wy- '. nleltla m u.s. mne6 wMn IMNy,a~rep yr -maylprepar rWr tlBOlM env lime wnnoul perolry.~flifyt lsP p~B'i~jl~resl convect. TM aaud fiMnce Marge wlnagredto ' wgf depend on your wymeM wnerns. TAY:aLWahnnaikk.:¢h9nje.'rilZf''etteed the tldcb6etl FllbrtW CMrge d you make your payments tiler ban tlro echstluled dates or m bu into Ina~sMMUktl amount. YWr payment will W apdied first ro Ina eametl and unpaid pen of the Pintoes CMrge and rent to IM unwitl Amount Financed. The FirbnW CMrge i5 eerwtl by ewlyhig tM Annual Parcenmge Rate b IM Impaid Amount Financed tar me edwl hme IMI IM unpaid Am0un1 Financed Is anslMtlmg. II me venicle is repps- seasad, yW vent na liavetlle right la rdnsmle IM comma Mlws tM Sdbr sprees. ~.U2F.bJ~~:. B. Bdbal Payment ConMeb: II ywr bat insW Imam paymMl antsy nd9 cerpred Is a Oelkan payment es wdiratM on me hoot of Yie Wnhllcl, yW may WMIa me bat babllmenl wymem in one a nitro ways. G... GUt ., fln4 yW meY wY all Mel yW ow whM Ma lazt iroblknept, payment is due antl keep your motor venwb, I;J. JJ~~ h~.. SseatlLL you may rrdhbnce me last irobnmMl wymay'url)ess ~. you am in Wtaun sneer nib cemraa. a IM saner Ms aeVMtcee ' tlmW m Wre dry amauu, rou must pay Dock IM sMbgeplom me Mkbndng. You also mull vroywe proof a IndlrehNe ~' ego- able ro Selby Wbm Ina re11Mming. TM Annual Parcenlage'Refe (APR) for IM refinantlng will W me lower of the APR sgreed to by yW and IM Seller at IM time of NB MiMnclnp or L`,e masimum mH wMmetl by tiro. TM Nrrn of tM relnarrarrg will M DSaM W me amWm refinetwreA, tlb rote, and the amount of IM nantMy payment TM renroncetl momMy payment Mall be IM SamB es w Ihb cemnat II IM rofiMrk>Btl amount will W luny rove wlnkn 36 mdnma a tM aW date m Ina la9n tneknflilsrll wymem. aMlwi,e, me monmylpaymMl amount seen W me amount neeWd ro July pay lyre"Minancetl emolmttwtlhin 36 months d 1M tlue dale of the last inabllnwM paym It you wleh Io refinance, you must nodly IM Selby b wedng: I as dsaxsetl in Mis Ndbn, IM Wtk'M mum DB no later IMn 30 My6 brlw m ma tlue tlBle o(me teal irreltllmanhpeyment. Thbq yW may sell me vehicle to Ina Selby for en e ~ 4nt pUBI w mart bsl malanmem payment. Y W must paY Ip me;Selbr any mar emoum owes under IMa coronet Amauma yW'dverwg; ee Dated in pan, M tM vMkb's mileage. You also mWl~peyllo me Rader tM BMmeted co9b of W repairs b eb whwbmet are IM reeutl of asma wear and use, es sat loml below. VW must tike me vehicle to a place adedbtl by Ina Ssgar fpr„grcpeeWn '~i no bbr men 1& days PW to tM bd irobllmMrl O~YIeII!nf,Ilua i Wle. AMr me inswdron, n yW tlxbe l0 Bell me wnklrro~dle" Sdbr, you mWt ghre melvenitle Ib the Seller M labr 1Mn Ina lam kMtellment Payment OW Wla. At tlvt time. yW mus( aso give me Selby a title. which shaves W liero doer man are Relbr s lien, Irensbnirlg owWmnip to ore Selby or a wraW seb tatl by 1M Selby. AMr ate inspadion, a ypu tledW MI to wtl vehitle b Ina SMbr, you mum ImmMbtdy comma me Sdbr one iMOrtn ma Sdbr wMmer rou want to rohMrlw IM bat In9WImMt Payment. C. Uarrups 1lewir. It your bsl waWlment wYmq~ I urwar IMa contend b w balloon payment arw you sell me v}filde~BCk to me Seller antsy Parogreph B, you ere respwaible ~lor iepeiis of an mllMge Io me wniae real era MI IM mean a Wwd rover ana We. These repairs inautle, but are WI arenas m. mWe saery ro: ', (i) replace Bny am na wn pl a makhing set of lour or My ore ~, w1tiM nos ties IhM 1R inch a remaining trmtl; `JUG '~ ni) repair all mechanical Wlecls; ~, p') repair er redece all denied sere snipped, nslM or '~,. u ambrtmlche0 hotly vends, wint or vb iWnlificenM isms; ell darted, faaroMd, nbletl; pined DrakM or missing Ism I Mtl prillw'drk: ell svalMed crockee. pined or brokM glass: ~', all lauly window mecheni9ms; all Dnken or lwmM ouI Ilghm; all ebdranie mallunCDOro; al{ inlenor rips, stale, bums or c: Ma en Wmage wnmi~wwe W cwere~by ~ediiidon o ompronerorve IrobranW wnMM. a not n inwmnce is actually In rorce. I It you Mw'hot meW nb rewire Mbrd inepaclion at tlro which under Pereomph B, yW wni owe tM aetlmalM casts d wcn repairs, even it me rapaks ere not metle poor m your Gale of ha whide 1o ma Seller. N yW tlisagroe wile tM rolimatM calls of rhvdrs. rou may nave me rowna made m war exwnca arty to i roar sale of me venicle m me seller. B. Saeurlry ImarosL Vou give lM saner a Sacuriry Imerast in: 1. TM vMwle antl all pans or doer goods Put on tM vehicle; z. al mMrey or gootls recdwtl ror ma YMwle: and a. al mwranPe vremiuma ana serywe cpnlreola nMnchtl br This lKUUras wrmMt d an amWmz rW owe arwer mid Wmred. 11 ales secures YW r Omer agreements in tM caW9c1. E. Use M VMick WarrenHes: You mu61 mks taro a the vehitle antl obey all tiro in arena n. You may not !NI or root Ina whide, antl yW must keep h Ire0lrom IM clBlm6 0l aMm. YW veal MI use or pem,lt gw use d ma Yenkde W bbe of me uMteo Stabs, except tar up m 30 dap in Cawda a Mexico, wkhWl ' me poor wmron rxroenl d IM Seller. It IM vMICN la of • tyro mM11Y used soy psreOMl use and tlN SaMr, a IM vMl. Bb's manulaelurM, aabntls a wNMn wormy or NrdW Wmracl Wvicerrg ba wnkb wNhln 90 rlsya Irom tM alb of tMS Wnmec4 You gat Imdled wrnmlme el mMdMnMDlllry end titMae for a wmlebv purpose Wverllg the vMkle. OmarwW, YW untlantMd and ages Brm ban mre ne such imdkae wrraniks, eseepl a aMrapse prMWtl Irv Imw. F. YMkb IMUronW: You must insure m0 whwle against Ives a Wmege Irom coldaiM. ore or tneh. You must Mme Roller as Ina logs payee amer IM irourance policy. TM Sella moat approy@ me;tydi:' Bndamounlbl'in9liYDh'ce. It the vehicle Is In9t. tlamagetl orWS¢pyytl;;Ypplrnu!5P6Y. tM Seller wnet Is atld owe,tl~ P'llli •'ri e'~ vWagYeef'nHt'yl~`R~b ~~CR1a~ ca~mundermamsurerce palsy. You amMriie m~'1mL+arke'company m prwlae sauer any imormelron Seller Ddbvds rlecesesry m make A claim. Y W must use irouranw procaetls Io repair Ma whide, umeat Ina tamage Io Ina vehicle is Wn9weratl a total bsa. If Me tlamflge to nw vehicb w conelWnd a lobs ties. you must u!B the ins'ur- nce proceetls to pay what you eve the Seller. 11 ywr insurance on tM venicle dWanY pay all you awe, yw mu6t pay what is still ', owed. G. Ratulnstln lMynpW Pramlume"Intl Service.Con4act ~ I+ChM•~al~~Thrs'mrrlnc~l may"Uonbiii "cnarges for^irrkurenca.' cbnlrsclb, a other conheclb. YW agrw Thal me Rmb1 can Claim beMfib UnWr mace Leninists antl unble prohibited Dy tiro, IBwinele IMm to Wmb retorts of uneamatl charges to retluce what yW owe. It Hie Relbr gels a remml W inwnnce, cenlmd9, a a1Mr txxllracb. Me Seler will soared it Irom what You owe. Once all amounts owed antler This centred are ' pale. any remaining rolunds will be pew Ip you. ~i H: D.m16c~YW wigbeinWehun d: 1 dAC; ;sus 1. YW W MI make. wymMl wean n is dW; Pr x. v W gave rent or miakading intormetion M Your tread eppliceMn ralelmg to This amtrect; or ~~ 3. Ywr vMkle b eaMM by emy local, stale, or 1eW ref ~ euaanry erw is na promptly arm uncandiYOnaly rmumee m you: 9.CZrW'dleflDenknptpy plUpipn is pled ageiMlyW, or s.JV W do nd keep arty other pramrse b Mia cMtreU. u rou,;oeienu. saner pan ekareV'se sdlMe ngnb wWr mss con. Ifed eritlr$Blbrs O1Mr ngnls untld m0 law. CC. PCdI 1. Rapwsaubn: It you edault. me seller mar rooulre yW m ~. pay a1 Dope the unpaw Amount Finaricetl.lM earnatl and UIp)aitl ', pan of me Finance Charge eM aN Diner amwnls tlue under mss ' contract Sdbr mayJepoaess (lake beck) IM whwla.lW..S41br may also mks gaEtlsfwndd moo lee wlkUe wMnrapW9"esead ana odd Inern rot'ylip. .,. '. A3YIA'I 9A•i '. J. Your RIpM To RMb~m: 11 Dro YMide is bken Wek,i Seger 'll aMgyau e1nWce. TIfC relics will~9ay~mel InpY~etleem (Day Drak) me vmewl~ i enda.~in.gl,Ifl l b rer~m m: yenlcle. Y W may nib liehiefe w t ~ dm: m'e Seller'ABge b ar agrees to sell it If rou tl0'<IDI reewm IM rookie. n wgi be sob. A Dbpoalllen a Motor Vdritle: II me wMCb b taken Deck ' ant so10, IM money from me ula ties egawed exceroes, wgl W used to paY me amwnt dill owed an ma WnIreU. AIbwM expwws irclutlc those witl as a erect nM at nsWrig m talent me whmm, now 4 prawn it ror rob, one een n. Reaswade bwye/a beg antl IBgal coati ere allowed, loo. II Inds b any ', money bh a Isumlucl. II will W paw b you. II me money Irom me Yle b WI erough.lo pay an elks MMmU ant toms, you wig wy wMI is antl owa0 m me Seller. If you W not wY Ihn amount when Ule Selby asks. IM Selby may Margo you NIBIB61 al tM signed lawful rate uWI YW wY. L CalMlon Costa: Exwpt en omerwiae provwee by tiro, yW ', U,~ et wyany antl ~~Spences relalatl b:eMOmirgInisranlrad, ', ' Ubtlfrlg' cdlAction espenses. 'IBwyBrs" lees end aKer legal ' azwMas. N. Consumer Papona: Yau autMnze the PsMgneB IislM M me front of this conlre~lo Wbin consumer dWil ropone hom con. ' SO su I.po~ing egMdes Icroaa Durw W l for any reason end at ~~, anY~firtb; n'cwnecdon with tile,"codt}6ct N. ApplluDb LAr. YOU epreri,ihat This umlred will W'go~mn0tl by ma lava Pt IM amts of PenroyNMb. '~ O. General: TMe contrecl eonminetM Mlire egreemenl between ' Saibr end yW reblsg l0 IM cab ant financing of IM moor ' whitle. g anY wn of leis canMd is rat wlitl, all arty pant sLy wlitl. 11 Seller Ibeen'1 Mlorce Sabre rignh awry lime, Selby can dig enforce mere later Sdbr vent axarcba au a sellers ngnls n a bwla way. n me bet atabnmenl paymem antler nib cemrea b a Damon paYmenl, Aenignw nee asalgndd m OI Exchange, in M capacity s AssigneB's qualilietl imeweebry, ib nght9 (but not its oalgetkms) wire rsepeel ro Ina pureness ant 681e a this wnrob. NOTICE -ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICX THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODR OR SERVICES OBTAINED PURSUANT HERETO OR WITH TXE PROCEEDS XEREOF. RECOVERY HEREUNDER BY THE DEBTOR SNAEL NOT E%CEED AMOUNTS PAID: BY THE DEBTOR HEREUNDER.' \ Uesd Motor Vshide Buyers OuHie. 11 you ere buying e paetl vehlUe with This COntmtl, federal mgubtiM6 may reglare a spatial Buyers Guba tD be tlisDbyee on Ina window of are whine. THE INFORLY~~~~ppTION YOU SEE ON THE WINDOW FORM FOR TXIS'VEXICLE,IS PART OF THIS CONTRACT)~NFORMATION ON fHE WINDOW FORM OVERRIDES ANY CONTRARY PROVISIONS IN' THE CONTRACT OF SALE. •lasw nit atANV Y WreWSaa 1« Wmm.d.l > aprkatwd ufs. In IMt you IWOmn will na fffM added wry nslgnw w wbeerlerll IaIWr a drb Cbnhecl snY elfkris. dflanfas, p W011s whkn rou wry Mw egalwl tiro SMYr w mwdclwxaf IMrMkle. GUARANTY ~ ' To cause IM Seder ro fell the wMde Wscrbetl M Ina Irom a IDIS Wend to are Buyer an reed. assn person WM sigro bebw as a 'Guarantor gWranless IM payment OI mss mnlred. TMs mwro real a me Buyer fails to wY enY rMMY VIBt b owe On this contras h wllon vent egos as a 9uanvrtor wXl wY X wMn wketl. Each GWmlor vent mans Debw egress Intl M will be Ibbb for 1M whole amaum owetl awn it oW or more oVier PBroane abo s~gro nib OwrMy. Fart Gwnmor oleo agrees b be gable evert 11 the SNbr BOBS oM w more of me bdowlrp: le) eves Mrs Bald lime m bey as or more paymMls. or (b) gives a releaw m NII or wrt m any d the Omer Ouannbrs, or (c) releases arty aecurNy. Each Guarantor also stabs met ha Ms roWwetl a compbbtl ropy d MR ecntradee,9tl mw Guars M IM tone d elgnmp. p. n ,~ /~ Gueronror 7af'v O ptltlreas tHdD ~~!ti~ ~ /FY lGl~ ~/1 /,7J/S Guarantor - AWress ' READ TXIS ARBTRATION PROVISION CAREFULLY AND IN RS ENTIRETY ARBITRATION , Ardbadan is a mdnW al resoNi try tlaim, tlbpme. m conMVMey (eadeelivBly, a'ClaimT wiXioW Tdnp a bweat w coon. ENwr you a Seller 1•W' or'w'1 IeaCn, a ' 1 lMy dlooee at My hme, Indutlirg Mm a bwSUil b (pee, to nave MY Claim rebtetl to tiles epnlract eetl0e0 by WlhaWn. SIrM C Rims inckrtle pal na not limuetl to tM idbwing: t) Clams in sensed, tart, ngubwry m dMraise' 2) Cle'une rogardng me inbrorebWn. soppe, or Ydwiy a this thaw, or arbarebgiry a soy issue; 3) Geims between yW ant us, youdour mmpbyBBS, agents, sua<99W. asslgris, au0swbrias, a allikatas: 4) I'ibV1w arising stn a M releMg m your epdxxtron for self, tNS conpacl, a arty rowltutp ban9acliW a nbdonehp, indrrdnfg real wire tiro Wald, m My wcn relmwnMip wire tMm wrtiM vent ao Mt sig. Ims ewwea. p~(THIS YOU AND WE AGREE TO GIVE UP ' 11 eghe y b bete a IMm, Men yW antl w egnB w werve tM Idlowing dgnta: RIOHf TO A TRIAL, V/NETNER BY p JUOOE OR JURY RblrT TO PARTICIPATE AS A CU13& REPRESENTATNE OR A CLASS MEMBER IN ANY CLASS CLAW YOU MAY HAVE AGAINST U6 WHETHER W IXIVRT OR VI AHBITISATIOM dl ]' :' I ~ 3 7 1i:_ill, BROAD RIGHTS TO 016COVERY AS ARE AVAn.ASLE IN A LAWSUR RIGHT TD APPEAL THE DECISION OF AN ARBRRATOR • OTHER RIGHTS THAT AAE AVAILABLE W A LAWBUR ~ ~. Rlahn YW~n~e y~g po Not ONra Ub: II a Claim b erpXmbe, you arw w will continue to Mve 1M lalbvring ngnls, wimW wM~ing this emit h provlsian ash any ~Cl~m: t) Rl'aghht to IXe pankrudcY b coon; 2) Right ro enforce tiro sMVmy merest in da vMlcb. BFwlher Dy repaeaeesi or mrougn a sale o14w 31 Right to Iaka bgal~+p;io)~~, aMaeer~Mypebmaw,jp,peersgn; arM 4) gigot ro i r quest tMl a wan of law rewew wndMr ma arbimmr excaeaed its sum ny YJI:JC-CSt -CCB-1 EIIMr Pery m m conbd one d lM assadadMa XfteO Debw eM Ina Omer Party IP ebn erpnronon. TM applicebbTeasTdYPRdes')t may M obbmae hwn me aasaiatlm. Amekcen ArbiVSlion Agsapmtkm f'AM'), et t-SnO-T/S-TB79, m www.em.org CHU I i !A 1 i;A].., • National ANi1raE0n Forurrl. el 1-000-pT423T1, m www~aryldum.<bm. h mere is a Wnnmh between me Rules antl Ihb wMracl: Ina wmmm aMN goxin. This wntred is wDIaG b IM 1 ror tl1gQn Ad § 1 d aeq.l ant IM FeUeml Rubs oI EvioenW. TM ergarenon WLISIW shed W in waing wire a WlWOrhrgrYl a+-'S-pay your tool nesbnebN amilmtion leas arw elmenaBS I WI IndlAilp dtomey lees, escept wMre appYWbla tiro otMrwife pmWWe) 15125. We will PaY me wlal¢ Id6 ~lw ii w Wmantl arbilrelbn fiM. Arty Ianbn a mss amnreWn Uauss real Is uneMarcea0k sMX M eweletl, sew IM remaining prow s Mell W Mportretl. I FC tyml6MiEt wy6m/ifA nits may noT M usX.l SEE OTHER SIDE FOR AODITgNAL AOREEMFMS "'PRN"' Ford Motor Credit Company P.O. Box 17948 GREENVILLE, SC 29606.8948 (sn> Bos71 a7 POQD6000200038 FOUR DREAMS INVESTMENTS 960 ALEXANDER SPRING ROAD CARLISLE PA 17015 Date of Repossession 03-11-2009 Date oT Notice 03-13-2009 Date of Contract 10-18-2007 Account Number 043140485 Buyer FOUR DREAMS INVESTMENTS Cobuyer DESCRIPTION OF PROPERTY Year 2008 Make FORD ^x Nay ^ Used Vehicle Identification Number: 1FTSW21YX8EC63506 Model F250 Body 4X4 NOTICE OF OUR PLAN TO SELL PROPERTY We have your property described above because you broke promises in our agreement. x^ PRNATE 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. bate 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. 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 tc the following people who have an interest in the property described above or who owe money under your agreement: 1) The buyer and any Cobuyer named above; 2) Any dealer/original creditor named below; 3) If there are other people, they are named on an attachment sent with this notice. The property is presently stored at: MANHEIM AUTO AUCTION 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 $ 52,829.81 Plus Costs: Repo Expenses $ 220 ~ Plus Late Charges $ 93.10 Less Finance Charge Rebate $ Less Insurence Premium Rebate $ TOTAL $ 53,142.91 (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 i 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. U The property has been (or will be) returned to: (dealerloriginal creditor) Under our agreement with your dealer/original creditor, the dealerloriginal creditor is to sell the property and pay you any money left over. If you owe money after the sale, you will pay d to the dealerloriginal creditor. ^ PERSONAL PROPERTY: Any personal property found in the vehicle may be reclaimed by you wRhin the neM 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 (OI Exchange, LLC) its rights (but not ds obligations) wdh 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 tlealer/original creditor to make sure that any insurance has been cancelled. You have a right to get credit for all premium refunds. NINA I. FORBES•KAMAU FFNAiiseas7dano2PreviousedttionsmayNOTbeuud. CUSTOMER/CUSTOMER FILE Punted in U.S.A. _ - . ~.u. ' --..r.. z s -' .~ _ ~_. ._ 1• _ ' ' _ ; I ~. [ ~' :4 .; ~ ~ 0 d 0 O p 00 S $ ~ 0 N 4$ ~ ~ W ~ ~g~~ ~ 8 ~ ti S $ g S ~ ~~~~~~ LL !NH N ~ H N H h N :° V! i A • st~~ M ~ .~{ M p fA N M M tl0! 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Box 17948 Greenville, SC 29606-8948 JULY 29, 2009 FOUR DREAMS INVESTMENTS 960 ALEXANDER SPRING ROAD CARLISLE, PA 17015 ACCOUNT NUMBER: ~ 00000043140485 YEAR: 2008 MAKE: FORD MODEL: F250 VIN: 1FTSW2IYXBEC63506 DEAR CUSTOMER: BELOW IS THE ITEMIZED HISTORY OF YOUR ACCOUNT BEGINNING WITH THE CONTRACT DATE OF 10/18/07 AND REFLEC }*iii}**ii***i#**ii*** TING ACTIVITY THROUGH 07/29/09. **#**ii}**ti****ii********#i**i** **i****#i ***i#***i} **##i* CURRENT ACCOUNT STATUS NUM LATE LATE OTHER OTHER CURR PMTS CURRENT CHARGES CHARGES FEES FEES RATE DUE DATE REM BALANCE AMT DUE ASSESSED DUE ASSESSED DUE 5.90 12319999 0 ii}**ii#**i#}}*ii***#i 0.00 0.00 325.81 i**iii**ii***i#**#i#***}#**#}#*##i 0.00 }***}i*** 741.18 i4*#ii}** 0.00 iii**i INVOICE TRANS DAYS TRANSACTION ---------- TRAM DESCRIPTION - --------- PRINCIPAL DUE DATE DATE LATE ------------- - ------- AMOUNT PRINCIPAL INTEREST -------- - ------- FEES BALANCE 10/18/07 ----- - ---------- 60445.14 CONTRACT AMOUNT ------ - - --------- - ---- 61245.14 12/12/07 23.68 FEE ASSESSMENT 61245.14 12/02/07 12/18/07 16 1207.63 580.06 603. 89 23.66 60665.08 01/14/08 23.68 FEE ASSESSMENT 60665.08 01/02/08 02/01/08 30 1210.00 745.90 440. 42 23.68 59919.18 02/12/08 23.63 FEE ASSESSMENT 59919.18 02/02/08 02/29/08 27 1210.00 915.92 270. 45 23.63 59003.26 03/12/08 23.58 FEE ASSESSMENT 59003.26 03/02/08 04 /D1/08 30 1210.00 882.05 304. 37 23.58 58121.21 ACCOUNT NUMBER: 00000043140485 FCUS JULY 29, 2009 FOUR DREAMS INVESTMENTS 960 ALEXANDER SPRING ROAD CARLISLE, PA 17015 INVOICE TRANS DAYS TRANSACTION --- ------- TRAM DESCRIPTION ---------- PRINCIPAL DUE DATE -- - ---- DATE LATE ----------- - -- AMOUNT ------------ PR ---- INCIPAL INTEREST FEES BALANCE 04/14/08 23.53 FEE ----------- ASSESSMENT ------------ - - - - - ---- ------ 58121.21 04/02/08 04/29/08 27 1210.00 924.13 262.34 23.53 57197.08 05/12/08 23.48 FEE ASSESSMENT 57197.08 05/02/08 06/02/08 31 1210.00 873.03 313.49 23.48 56324.05 06/12/08 23.43 FEE ASSESSMENT 56324.05 06/02/08 07/01/08 29 1210.00 923.26 263.31 23.43 55400.79 07/01/08 1210.00- PAYMENT REVERSAL 56324.05 06/02/08 07/09/08 37 1210.00 874.06 335.94 0.00 55449.99 07/14/08 22.91 FEE ASSESSMENT 55449.99 07/02/08 08/04/08 33 1210.00 977.59 232.41 0.00 54472.40 08/12/08 22.75 FEE ASSESSMENT 54472.40 08/02/08 09/03/08 32 1210.00 946.57 263.43 0.00 53525.83 09/12/08 22.04 FEE ASSESSMENT 53525.83 09/02/08 10/02/08 30 1210.00 868.64 250.23 91.13 52657.19 10/13/08 23.17 FEE ASSESSMENT 52657.19 10/23/08 EXTENSION 52657.19 10/23/08 23.68 FEE ASSESSMENT 52657.19 12/12/08 23.17 FEE ASSESSMENT 52657.19 01/12/09 23.68 FEE ASSESSMENT 52657.19 12/02/08 02/04/09 64 1210.00 148.13 1061.87 0.00 52509.06 02/12/09 23.08 FEE ASSESSMENT 52509.06 ACCOUNT NUMBER: 00000043140485 FCUS ACCOUNT NUMBER: 00000043140485 JULY 29, 2009 FOUR DREAMS INVESTMENTS 960 ALEXANDER SPRING ROAD CARLISLE, PA 17015 INVOICE TRANS DAYS TRANSACTION ---------- TRAM DESCRIPTION --------- - PRINCIPAL DUE DATE DATE LATE -------------------- - AMOUNT ------------- PRINCIPAL INTEREST FEES ---- BALANCE 03/11/09 573.36 ----------- - --- - ---------------- PRINCIPAL PAYMENT ------- 51935.70 03/12/09 370.00 FEE ASSESSMENT 51935.70 04/21/09 35.00 FEE ASSESSMENT 51935.70 05/14/09 40.00- PAYMENT REVERSAL 51935.70 05/14/09 40.00- PAYMENT REVERSAL 51935.70 05/14/09 40.00- PAYMENT REVERSAL 51935.70 05/14/09 40.00 FEE ASSESSMENT 51935.70 05/18/09 40.00- PAYMENT REVERSAL 51935.70 05/18/09 40.00- PAYMENT REVERSAL 51935.70 05/18/09 40.00- PAYMENT REVERSAL 51935.70 05/18/09 40.00 FEE ASSESSMENT 51935.70 05/22/09 30400.00 SALES PROCEEDS 51935.70 05/22/09 1.03 DEC NONACC ADJ 51935.70 05/22/09 23.92 DEC NONACC ADJ 51935.70 05/22/09 604.44 DEC NONACC ADJ 51935.70 05/22/09 55.08 DEC NONACC ADJ 51935.70 05/22/09 30400.00 POST AUCTION 21535.70 05/22/09 115.00 ASSESS DISB FEE 21535.70 05/22/09 117.50 ASSESS DISB FEE 21535.70 05/27/09 11.89 DECR UNEARNED 21535.70 05/27/09 235.95 DECR UNEARNED 21535.70 FCUS JULY 29, 2009 FOUR DREAMS INVESTMENTS 960 ALEXANDER SPRING ROAD CARLISLE, PA 17015 INVOICE TRANS DAYS TRANSACTION ---------- TRAM DESCRIPTION ---------- PRINCIPAL DUE DATE DATE LATE AMOUNT PRINCIPAL INTEREST FEES BALANCE -------------------------------------------------------------------------------- 05/27/09 2.88 DECR CYC CUR UN 21535.70 05/27/09 413.55 DECR UNEARNED 21535.70 05/27/09 22667.05 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 ACCOUNT NUMBER: 00000043140485 FCUS Ford Credit P.O. Box 17948 Greenville, SC 29606-8948 MAY 27, 2009 FOUR DREAMS INVESTMENTS 960 ALEXANDER SPRING ROAD CARLISLE, PA 17015 ACCOUNT NUMBER: 00000043140485 YEAR: 2008 MAKE: FORD MODEL: F250 VIN: 1FTSW21YX8EC63506 DEAR CUSTOMER: BELOW IS THE ITEMIZED HISTORY OF YOUR ACCOUNT BEGINNING WITH THE CONTRACT DATE OF 10/18/07 AND REFLECTING ACTIVITY THROUGH 05/27/09. +..++++,r.:+.+x.w+++rr~r+..+r++rt+..r+.+~rw++++:t..+r~<.+ ..++.a..r: r~..r++~rr .r+... CURRENT ACCOUNT STATUS NL1M LATE LATE OTHER OTHER CURR PMTS CURRENT CHARGES CHARGES FEES FEES RATE DUE DATE REM BALANCE AMT DUE ASSESSED DUE ASSESSED DUE 5.90 12319999 0 +++~++r•r~+.+++.~+r+++ 0.00 0.00 325.81 ,r+a+rt+~+:r++t.r:++~~.rt++~.+ki+. 0.00 ~..r++..:+ 741.18 .+...:r+t 0.00 r•++.. INVOICE TRANS DAYS TRANSACTION ---------- TRAN DESCRIPTION - --------- PRINCIPAL DUE DATE DATE LATE -------- --- - - ----- AMOUNT PRINCIPAL INTEREST - ---------- FEES BALANCE - 10/18/07 ----------------------- 60445.14 CONTRACT AMOUNT --- - - - - --------- ------ 61245.19 12/12/07 23.68 FEE ASSESSMENT 61245.14 12/02/07 12/18/07 16 1207.63 580.06 603. 89 23.68 60665.08 01/14/08 23.68 FEE ASSESSMENT 60665.08 01/02/08 02/01/08 30 1210.00 745.90 440. 42 23.68 59919.18 02/12/08 23.63 FEE ASSESSMENT 59919.18 02/02/08 02/29/08 27 1210.00 915.92 270. 45 23.63 59003.26 03/12/08 23.58 FEE ASSESSMENT 59003.26 03/02/08 04/01/08 30 1210.00 882.05 304. 37 23.58 58121.21 ACCOUNT NUMBER: 00000043140485 FCUS MAY 27, 2009 FOUR DREAMS INVESTMENTS 960 ALEXANDER SPRING ROAD CARLISLE, PA 17015 INVOICE TRANS DAYS TRANSACTION --- ------- TRAN DESCRIPTION ---------- PRINCIPAL DUE DATE ---- - -- DATE LATE --------------- AMOUNT -------- --- PR INCIPAL INTEREST FEES BALANCE 04/14/08 23 - .53 ---- FEE - --------- ASSESSMENT - - - --------- ---- - --- - ----- 58121.21 04/02/08 04/29/08 27 1210 .00 924.13 262 .34 23.53 57197.08 05/12/08 23 .48 FEE ASSESSMENT 57197.08 05/02/08 06/02/08 31 1210 .00 873.03 313 .49 23.48 56324.05 06/12/08 23 .43 FEE ASSESSMENT 56324.05 06/02/08 07/01/08 29 1210 .00 923.26 263 .31 23.43 55400.79 07/01/08 1210 .00- PAYMENT REVERSAL 56324.05 06/02/08 07/09/08 37 1210. 00 874.06 335. 94 0.00 55449.99 07/14/08 22. 91 FEE ASSESSMENT 55449.99 07/02/08 08/04/08 33 1210. 00 977.59 232. 41 0.00 54472.40 08/12/08 22. 75 FEE ASSESSMENT 54472.40 08/02/08 09/03/08 32 1210. 00 946.57 263. 43 0.00 53525.83 09/12/08 22. 04 FEE ASSESSMENT 53525.83 09/02/08 10/02/08 30 1210. 00 868.64 250. 23 91.13 52657.19 10/13/08 23. 17 FEE ASSESSMENT 52657.19 10/23/08 EXTENSION 52657.19 10/23/08 23. 68 FEE ASSESSMENT 52657.19 12/12/08 23. 17 FEE ASSESSMENT 52657.19 01/12/09 23. 68 FEE ASSESSMENT 52657.19 12/02/08 02/04/09 64 1210. 00 148.13 1061. 87 0.00 52509.06 02/12/09 23. 08 FEE ASSESSMENT 52509.06 ACCOUNT NUMBER: 00000043140485 FCUS MAY 27, 2009 FOUR DREAMS INVESTMENTS 960 ALEXANDER SPRING ROAD CARLISLE, PA 17015 INVOICE TRANS DAYS TRANSACTION ---------- TRAN DESCRIPTION --------- - PRINCIPAL DUE DATE DATE LATE ----- ---------- - ---- AMOUNT --------- PRINCIPAL INTEREST FEES BALANCE 03/11/09 ---- 573.36 ----- --- - ----- - ------- - ----------- PRINCIPAL PAYMENT ------- 51935.70 03/12/09 370.00- PAYMENT REVERSAL 52509.06 03/12/09 370.00- PAYMENT REVERSAL 51935.70 03/12/09 370.00 FEE ASSESSMENT 51935.70 04/21/09 35.00 FEE ASSESSMENT 51935.70 05/14/09 40.00- PAYMENT REVERSAL 51935.70 05/14/09 40.00- PAYMENT REVERSAL 51935.70 05/14/09 40.00- PAYMENT REVERSAL 51935.70 05/14/09 40.00 FEE ASSESSMENT 51935.70 05/18/09 40.00- PAYMENT REVERSAL 51935.70 05/18/09 40.00- PAYMENT REVERSAL 51935.70 05/18/09 40.00- PAYMENT REVERSAL 51935 .70 05/18/09 40.00 FEE ASSESSMENT 51935.70 05/22/09 30400.00 SALES PROCEEDS 51935.70 05/22/09 1.03 DEC NONACC ADJ 51935.70 05/22/09 23.92 DEC NONACC ADJ 51935.70 05/22/09 604.44 DEC NONACC ADJ 51935.70 05/22/09 55.08 DEC NONACC ADJ 51935.70 05/22/09 30400.00 POST AUCTION 21535.70 05/22/09 115.00 ASSESS DISB FEE 21535.70 05/22/09 117.50 ASSESS DISB FEE 21535.70 ACCOUNT NUMBER: 00000043140485 FCUS MAY 27, 2009 FOUR DREAMS INVESTMENTS 960 ALEXANDER SPRING ROAD CARLISLE, PA 17015 INVOICE TRANS DAYS TRANSACTION ---------- TRAN DESCRIPTION ------ ---- PRINCIPAL DUE DATE DATE LATE ---------- - ------------ AMOUNT ------ - --- PRINCIPAL INTEREST FEES - BALANCE 05/27/09 11.89 -------------------- - ----------- DECR UNEARNED ------- - - 21535.70 05/27/09 235.95 DECR UNEARNED 21535.70 05/27/09 2.88 DECR CYC CUR UN 21535.70 05/27/09 413.55 DECR UNEARNED 21535.70 05/27/09 22667.05 CHARGEOFF 0.00 IF YOU HAVE ANY QUESTION S CONCERNING THIS HISTORY, PLEASE FEEL FREE TO CONTACT US AT: ( 800 ) 727-7000. SINCERELY, CUSTOMER SERVICES REPRES ENTATIVE ACCOUNT NUMBER: 00000043140485 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 fl(.~C~U~~ ;--;~~ Attorneys for Plain ' rr, 10 J~==;~ 30 P~9 2~ 27 CU~~lr:4 ~~ j ..'ut~t i~ ti ~~ ! ~~r C ~v,\'7 ~'t..~r~"A. ~11J) "/2Sy-7155 FORD MOTOR CREDIT COMPANY, A DELAWARE LIMITED LIABILITY COMPANY Plaintiff v. FOUR DREAMS INVESTMENTS CUMBERLAND COUNTY COURT OF COMMON PLEAS Case No. 10-3356 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 &NEEDLEMAN, P.C. Attorney A. /7`~YLOR, ESQ 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: FOUR DREAMS INVESTMENTS 960 Alexander Spring Road Carlisle, Pa 17015 Respectfully Sub e , MAURICE & ~~~E.EMAN, P.C. BY: Charlene A. Attorney for DATED: June 8, 2010 f VERIFICATION I, $AV9t~~f ~~~~ 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. B Representative of Plaintiff, FORD MOTOR CREDIT COMPANY LLC, A Delaware Limited Liability Company DATE: MAY 2 ~ 2A1~ FOUR DREAMS INVESTMENTS Our file no. 12477 48063000000043140485 MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 (215) 789-7151 FORD MOTOR CREDIT COMPANY, A DELAWARE LIMITED LIABILITY COMPANY Plaintiff V. FOUR DREAMS INVESTMENTS Defendant(s) Attorneys for Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS CASE NO. 10-3356 CIVIL TERM PRAECIPE TO ENTER JUDGMENT TO THE PROTHONOTARY: 1 L7 1„ -7 ?_ ? ICJ No answer having been filed in the above Civil Action, kindly enter Judgment in favor of Plaintiff, and against Defendant, FOUR DREAMS INVESTMENTS in the amount as follows: Principal Amount $ 22667.05 TOTAL $ 22667.05 Date: September 14, 2010 MAURICE &NEEDLEMAN, P.C. BY: JO NEEDLEMAN, ESQ. Attorney for Plaintiff rT I-k( 0-6??d Z;Lq15? 'R--g1 a.M83 L-K- W«rn:VL"C MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 Attorneys for Plaintiff 15) 7259-7151 FORD MOTOR CREDIT COMPANY, A DELAWARE LIMITED LIABILITY COMPANY Plaintiff V. FOUR DREAMS INVESTMENTS Defendant(s) CUMBERLAND COUNTY COURT OF COMMON PLEAS CASE NO. 10-3356 CIVIL TERM AFFIDAVIT OF MAIL SERVICE STATE OF PENNSYLVANIA COUNTY OF PHILADELPHIA SS. I, JOANN NEEDLEMAN, ESQUIRE, being duly sworn according to law, deposes and says that he/she is an attorney at law and that on 07/14/10 he/she mailed a written Notice of Intention to File the Praecipe to Defendant, FOUR DREAMS INVESTMENTS , at 960 ALEXANDER SPRING ROAD, CARLISLE, PA 17015 by regular mail. MAURICE & NEEDLEMAN, P.C. BY: JOAN EDrEMAN, ESQ. Attey for Plaintiff .N TO AND SUBSCRIBED me this ntay Uu , 20Qp. T OF PENNSYLVMNA NOTARIAL SEAL TausM P. Major Notary public city of ftft Oma, Phi "OWa County E s June 2. 2012 ?+? ParwaN?anio A+socaaortd Naoie. 1 i .. ?.: 1:' MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 Attorneys for Plaintiff (215) "/ 69-1151 FORD MOTOR CREDIT COMPANY, A DELAWARE LIMITED LIABILITY COMPANY Plaintiff V. FOUR DREAMS INVESTMENTS Defendant(s) CUMBERLAND COUNTY COURT OF COMMON PLEAS CASE NO. 10-3356 CIVIL TERM CERTIFICATION OF NOTICE TO ENTER DEFAULT JUDGMENT It is hereby certified that a written Notice of Intention to File the Praecipe was mailed on 07/14/10 to Defendant, FOUR DREAMS INVESTMENTS , against whom judgment is to be entered after the default occurred and at least ten (10) days prior to the date of the filing of the Praecipe. A copy of said Notice dated 07/14/10, a copy of the mailing to the Defendant and affidavits of service are all attached hereto. MAURICE $VNE)EDLEMAN, P.C. BY: JOW NEEDLEMAN, ESQ. Att ev for Plaintiff Date: August 25, 2010 MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 Attorneys for Plaintiff (L 1 ?) /2Sy- / 15I FORD MOTOR CREDIT COMPANY, A DELAWARE LIMITED LIABILITY COMPANY Plaintiff V. FOUR DREAMS INVESTMENTS Defendant(s) CUMBERLAND COUNTY COURT OF COMMON PLEAS CASE NO. 10-3356 CIVIL TERM CERTIFICATION OF ADDRESSES It is hereby certified that the parties have the following addresses: Plaintiff: FORD MOTOR CREDIT COMPANY P.O. BOX 6058 MESA AZ 85216 Defendant: FOUR DREAMS INVESTMENTS, 960 ALEXANDER SPRING ROAD, CARLISLE, PA 17015 MAURICE & T BY: JOANN Attornex LEMAN, P.C. Plaintiff , ESQ. Date: August 25, 2010 MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 Attorneys for Plaintiff 15) 789-7151 FORD MOTOR CREDIT COMPANY, A DELAWARE LIMITED LIABILITY COMPANY Plaintiff V. FOUR DREAMS INVESTMENTS Defendant(s) CUMBERLAND COUNTY COURT OF COMMON PLEAS CASE NO. 10-3356 CIVIL TERM AFFIDAVIT OF NON-MILITARY SERVICE STATE OF PENNSYLVANIA COUNTY OF PHILADELPHIA SS. I, JOANN NEEDLEMAN, ESQUIRE, being duly sworn according to law, deposes and says that he/she represents the Plaintiff in the above entitled case and that Defendant, FOUR DREAMS INVESTMENTS , is over 18 years of age; the occupation of Defendant is unknown and to the best of Plaintiffs knowledge, information and belief, Defendant is not in the military service of the United States, nor any State of Territory thereof or its Allies as defined in the Soldiers' and Sailors' Civil Relief Act of 1940 and the amendments thereto. MAURICE BY: LEMAN, P.C. NEEDLEMAN, ESQ. for Plaintiff SWORN TO AND SUBSCRIBED fore me thisZ*ay f AU U 040. Notary Pu is 0,.H0FPENNSYLIVIMK SYWANIA ubk" 0VaM+A=0CiC0Mond? Mow$ ... „. .. ,,- .,. ..? .... ._ ? s . ,. , ? ... .. to Z?A o So oz-M0 M m r- -0 =zZ DZO D rn Z m m C7 r- 0;0 A Z C? C7 to -n - " Apo a7DC Cf) m0 _ M>m -0 Z > ?m?cn - v, -0 ?? C M = Qo u' (5 G) - oz = o? Tc cc-O-4 N co N 'rycn D 18SCAM10 L6L£995owsz90 Attorneys at Law Suite 935, One Penn Center 1611 John F. Kennedy Bird. Philadelphia, PA 19103 tel. 215.665.1133 fax 215563.8910 www.mnlawpc.com Donald S. Maurice Member NJ Bar Board Certified Creditors' Rights Law American Board of Certification Joann Meediamon Member PA 8 NJ Bar Thomas R. Dominczyk Member NJ, MY 8 PA Bar Charlene A. ioylor Member PA Bar New Jersey Office Maurice & Needleman, P.C. Suite 2001 5 Wafter E. FDran Blvd. Flemington, NJ 08822 tet. 908131.4550 fox 908.231.4551 July 14, 2010 FOUR DREAMS INVESTMENTS 960 ALEXANDER SPRING ROAD CARLISLE, PA 17015 Our File No. 12477 RE: FORD MOTOR CREDIT COMPANY, A DELAWARE LIMITED LIABILITY COMPANY v. FOUR DREAMS INVESTMENTS CUMBERLAND COUNTY COURT OF COMMON PLEAS, CASE NO. 10-3356 CIVIL TERM Dear Mr/Mrs/Ms FOUR DREAMS INVESTMENTS: Enclosed please find a ten (10) day notice of default which is self- explanatory. This is being served upon you due to your failure to respond to Plaintiff's Complaint served upon you on May 25, 2010. Unless an answer to Plaintiffs Complaint is filed with the Court within ten (10) days from the date of this notice, a default judgment may be entered against you. If you would like to discuss a resolution to this matter, please call our office at 908-237-4571 and ask for Kim Crosby. Thank you for your prompt attention to this matter. THIS CORRESPONDENCE IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS FIRM IS A DEBT COLLECTOR Very truly yours, MAURICE & NEEDLEMAN. P.C. MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 191.03 Attorneys for Plaintiff (215) 789-7151 FORD MOTOR CREDIT COMPANY, A DELAWARE LIMITED LIABILITY COMPANY Plaintiff V. FOUR DREAMS INVESTMENTS CUMBERLAND COUNTY COURT OF COMMON PLEAS CASE NO. 10-3356 CIVIL TERM IMPORTANT NOTICE TO: FOUR DREAMS INVESTMENTS DATE: July 14, 2010 960 ALEXANDER SPRING ROAD CARLISLE, PA 17015 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 DAYS FROM THE DATE OF THIS NOTICE, A JUDGEMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. 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 LAWYER REFERRAL SERVICE 2 Liberty Avenue, Carlisle, PA 17013 (717)-')49-3166 LEMAN, P.C. BY NEEDLEMAN, ESQUIRE for Plaintiff SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Edward L Schorpp Solicitor omr* OF IKE S'i;;RIFF Ford Motor Credit Company Case Number vs. 2010-3356 Four Dreams Investments SHERIFF'S RETURN OF SERVICE 05/2512010 07:05 PM - Gerald Worthington, Deputy Sheriff, who being duty sworn according to law, states that on May 25, 2010 at 1900 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Four Dreams Investments, by making known unto Sharon Doupe, Owner of Four Dreams Investments at 960 Alexander Spring Road, Carlisle, Cumberland County, Pennsylvania 17015 itc contents and at the same time handing to her personally the said true and correct copy of the same. ?- I-D GE WORTHINGTO EPUTY SHERIFF COST: $33.40 SO ANSWERS, 2y May 26, 2010 RON y R ANDERSON, SHERIFF ,?, r, f:u'1"y?Jrt° 7hen.`f. ?f:13^.:'oft, Iri;; fem.. } ?j [ MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 Attorneys for Plaintiff 789-71-51 FORD MOTOR CREDIT COMPANY, A DELAWARE LIMITED LIABILITY COMPANY Plaintiff v FOUR DREAMS INVESTMENTS Defendant(s) CUMBERLAND COUNTY COURT OF COMMON PLEAS CASE NO. 10-3356 CIVIL TERM (X) Notice is hereby given that a judgment in the above-captioned matter has been entered against you in the amount of $22667.05 on (X) A copy of all documents filed with the Prothonotary in support of the within judgment is enclosed. Prothonotary/Clerk by: If you have any questions regarding this matter, please contact the filing party: Name: Joann Needleman, Esquire Address: Suite 935, One Penn Center at Suburban Station 1617 J.F.K. Boulevard Philadelphia, PA 19103 Telephone No.: 215-789-7155 (This Notice is given in accordance with Pa.R.C.P. §236)