HomeMy WebLinkAbout10-6522ARBITRATION MATTER
ASSESSMENT OF DAMAGES
HEARING NOT REQUIRED
MAURICE & NEEDLEMAN, P.C.
BY: Joann Needleman, Esq.
Identification No. 74276
935 One Penn Center
1617 John F. Kennedy Blvd
Philadelphia, PA 19103
(215) 789-7155
FORD MOTOR CREDIT COMPANY, A
DELAWARE LIMITED LIABILITY COMPANY
P.O. Box 6508
Mesa, Az 85216-6508
Plaintiff,
V.
MICHAEL S HILLEGAS
14 Clemson Drive
Camp Hill, Pa 17011
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.
Defendant(s).
Attorneys for Plaintiff
CUMBERLAND COUNTY COURT OF
COMMON PLEAS
Case No. Ct
CIVIL ACTION COMPLAINT
AVISO
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Le han demandado a usted en Is torte. Si usted quiere defenderse
de estas demandas expuestas en las paginas siguientes, usted tiene
veinte (20) dies de plazo al partir de la fecha de Is demands y Is
notificacion. Hace falta asentar una comparencia escrita o en
persona o can un abogado y entregar a Is 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, B cone tomara medidas y
puede continuer Is demands en contra suya sin previo aviso o
notificacion. Adernas, Is corte puede decidir a favor del demandante
y requiere que usted cumpla con todas las provisions de esta demands.
Usted puede perder dinro o sus propiedades u otros derechos
importantes pars 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 ABAIO PARA AVERIGUAR DONDE
SE PUEDE CONSEGUIR ASISTENCIA LEGAL.
CUMBERLAND COUNTY BAR ASSOCIATION
Lawyer Referral Service
2 Liberty Avenue,
Carlisle, PA 17013
(717) 249-3166
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a3sr9
?-? ?y4?18
MAURICE & NEEDLEMAN, P.C.
BY: Joann Needleman, Esq.
Identification No. 74276
935 One Penn Center
1617 John F. Kennedy Blvd
Philadelphia, PA 19103
ARBITRATION MATTER
ASSESSMENT OF DAMAGES
HEARING NOT REQUIRED
Attorneys for Plaintiff
(11J) liSy-/1JJ
FORD MOTOR CREDIT COMPANY, A
DELAWARE LIMITED LIABILITY
COMPANY
P.O. Box 6508
Mesa, Az 85216-6508
Plaintiff,
V.
MICHAEL S HILLEGAS
14 Clemson Drive
Camp Hill, Pa 17011
Defendant(s).
CUMBERLAND COUNTY COURT OF
COMMON PLEAS
Case No.
10-65- - -
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, Michael S Hillegas, is an individual who resides at 14 Clemson Drive
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 May 9, 2005, 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 $41727.62 at an annual percentage rate of 0.000%, in order
to purchase a certain motor vehicle, 2005 Ford Five Hundred more particularly described in the
J
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 $527.01 for a period of 72 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 7, 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 $9700.00, however a balance of
$10,784.67 was 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. Thereafter a credit was issued in the amount of $370.00, leaving a balance due
and owing of $10,414.67.
10. Pursuant to the terms of the contract, Defendant is required to pay all amounts due
and owing, including any balance that may remain after the sale of the vehicle, and the
Defendant failed to do so, thereby in default of the Contract.
11. The total amount due and owing at the time of the filing of this complaint is
$10414.67.
WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant(s), in
the amount of $10414.67, well as any additional interest and costs that may accrue and such
other and further relief as this Court may deem equitable and just.
Respectfully submitted,
MAURICF,* NEEDLEMAN, P.C.
JOANN LEMAN, ESQUIRE
Attorney Plaintiff
Date: October 7, 2010
VERIFICATION
I, JOANN NEEDLEMAN, 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:
JOANN EDLEMAN, ESQUIRE
DATED: October 7, 2010
PENNSYLVANIA SIMPLE INTEREST VEHCLE RETAIL INSTALMENT CONTRACT
DATE 05/09/2005
Iuyar (iclu ft County and Zip Code) ce A-MM tr"WbAN 1CS BURG
M1CF?L SS HILL INC
724 CAROL ST MAY 1 1 2005 6320 CARLISLE PIKE
NEW CUMBERLAND PA 17070 MECHANICSBURG PA 17050
ors rr ear, r a aed? tti -dee pdoe- ewer Iw1ewL aw e2shwNa d sir vMdoM. T
'Taal MM ao al a" is Iii what piias. a ersrhrhq ae mwsm you o
Nerdleed Year and mom Moaal GNN a Tna:k
NEW 0 FIVE HUNDI
NISSAN
Tab 2001 BUICK t 24000.00
Year and Mob Grose Aeoaew
ITEMIZATION OF AMOUNT FINANCED
.t. 011011 Price .........._._._.__......... ........................ .......... _ _. $ 31083.00 (T)
2. Down Payment
Ttdrd Party Rebate Assliped to Creditor
D
..
..
.
.
._ N/A
-
-
I
n T&Mr
s
2
s 702I7
70
4?If:170 S
378Z
W
YW erie Arrme as Aeaw« Menu orq
Total Down Payment ................................................... $ 3782.90 (2)
?73?T6
(3)
a Unpaid Balance of Cash Pros 0 micas 2)....... ................... __ $
4. Ammmla paid on your balia6 (Sailar may be retaining a portion of thus amounts)
To Insurance Companies for
: N /A
Crest LJte Insurance (for term of contract) 't
CN/T Disabllty Insu nos re (for V01 oordrsct)...._...__
q
rm
f
A?(Esum N/A
)Ia
g
i
e
-
To Public Officials (1) for yeses(s5 ?. title (S 11. SO 1. 8
registration (S N
5.00.
(iq for filing fees S 553.82
(m) for taxes (not in Cash Pr ????-?pr?p?p
GAP
f
587.32
$
-mw.
To
or
TO for
_MCCAFFERTY FORDf
s 0
N-?
or
To
7171 - N/A
5
T
Total..-._____._._._.-_..? $_, 32 (4)
ANNUAL FINANCE Amount Total of Total Sale
PERCENTAGE CHARGE Financed PeymMtts Pries
RATE The doter amount The amoun Of
aedt pr«kted b Tw amount
you can caw The tow cold
of your pu have an
The mat of your the credit can
0°61 You you or on your paid when you sedan
credit an a yaady ate behar he" male all
? Mdudir 9 you
7.90 7899.30 4?7 a 43T27.6Z-
. 30045.42 a
PrymsM NNu berr of Aniountaloff Each Man Paymwila Schedule You payment sdhedtde? 7) $527.01 wydue
will be: I tlntl i 01 06/ 32 1200)
P?apeymmM It you pay on your debt sary, you we not tore to pay a penalty.
Late Payrrnmb You must pay a We charge on the pombn d each paymau rscsWed more
than 10 days We. The derpe is 2 percent of the We amount «560.00 whkhmner is Was.
serift Irdsmee . You are giving a security mensal In the vehicle being pun:Masd.
Conbeft Pbood, a" ads contract for
doloult, to Vt to P require rspsymern of your debt in fu beime the scheduled &tW,-aW
Pe
awx aWiOaeera, you nay bes ale wrfide to you are Mrharrip under die maraa.
tl you do ram meal you :n
r wM a OaM pate agarde put m ae vd*b and money or goads reasiead for to waifs.
NON-MODIFICATION DISCLOSURE
Any Change in Oft MMM mug be in wdeng and signed by you and the Cwdlor.
B UTAHEE ARBITRATION NPPRROVISION?OI?THE RAND AGREE EVERSE SIDE BA6UNO
OF THIS
CONTRACT.
NOTICE TO BUYER
Do not sign this canitract In blank.
You we ant8led to an exact copy at the contract you sign.
Keep it to protect your Inga1 rights.
Buyer (and Co-BUyer) acknowledge that (1) before signing this
contract, Buyer (and Co-Buyer) received anD ret?lewaa a true
an ff-c ornplstsiy filled In copy of this contract and (11) at the
time of a true d omp eiaf cBuysir opy (and Co-Buyer) receTVaa
-
ague end completely In of this coutract,
E ?vI off.
surer sums 0ti?ea
By alahdhq below. the soft aeaepte esrmrcL a no other Assig es Is named IN a shmparate
IMMENEV t L"C c1I IrUff"r )MC UI?Gb Fund Moor cm?a
1MC
sc +tvr-si ,um ta,.,w. ace. erw,..a.t BEE BACK FOR AIXIMONAL AGREEMENTS
PA
a eNl1 whdertw epewnwhb an Ow hat and Mar of 10- eatraet
1FAHP28135G181297
I9~ Paean ? Apdalhrel
NSRANCE
YOU MAY OBTAIN VEHICLE INSURANCE
FROM A PERSON OF YOUR CHOICE.
YOU ARE NOT REOUIRED TO OBTAIN
CREDIT LIFE, CREDIT DISABILITY AND
OTHER OPTIONAL INSURANCE THE
CONTRACT MILL NOT INCLUDE THEM
UNLESS YOU SIGN AND AGREE TO PAY
THE PREMIUM.
THIS CONTRACT DOES NOT INCLUDE
LIABILITY INSURANCE COVERAGE FOR
BODILY INJURY AND PROPERTY
DAMAGE CAUSED TO OTHERS.
20217.10
Amnon oaten
?CreditLife N/A
Insurer
N/A
$ Premium Insured(s)
Signature
? N/A N/A
Other fionallnsurance Term
N/A $ R/A
Insurer Premium
re
Credit We and CteAt iauaaca N
for the term of ate contract. esrmrae .nd
ih-z o v are Hawn Ina adios « agnemarn
gala te you todry.
Credit
?Disablllty N/A
Insurer
N/A
S
Premium Insured
Signature
You rust Inure the Yslt .,. K a oinsr¢ is
eltawn allow the tiadltor wit try to buy do
oovaragee cledaad for the term sown.
tM est b well be based an ut
time of lose, noCash t mmi tresie
tie Nmhe of the policy.
Oetl1Lyby
? Corrpd onshv ? s NIA
Common
? Fae• TheltCombied Additional Co"rags
? Towbg-hQ`r
? Term 11 // Malls MAUr ow)
Prarniun t ?R
?gab c.aalMbn Wairw Addwawn (01111on"
If ft. box ro oheor etl you Mare purchased a debt
«rrhoeeuon wsiha. Pusihase d ttit is
apaaW snd Is not rogheed to obein Bradt
The hirm
all aohaeore a b debt oaraeI , wMar we am
foal in ae aaeded Addanam dioh is kharpaaetl
Into Wb oaaaG. The prior Ior ale deal oauvtlslbrh
aq uxsaect b sin MerriraOOrh
YAW is eel IOM an
d Meree Fkswrod under Beeson 4.
Program No.
QUESTIONS?
PLEASE CALL US AT 1-OW727-7000
or
Malt us at www.forderedlLCom
0*01
ORIGINAL
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N 1111 vdkb b Ilan beak M Ml 'Nand YOU a 011101. TM 001101
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you do not wdeen 1111 vstide, N wM he add.
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alora4 loo. MW G Now, MI My you ay araesy IN (a
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Ci ft Cwdbr ear.
b Dal a" doge you NdwM at ft MOM bvhd NO
unS you pay.
O CanaMerRparls, You a all Ford lteior Cm-ft Com
pony b ab I Consul all repalt wave oo rmw g,
apatoiM ('Nadal buman)1or any wean ad at any alas is aon-
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y.wna . In 11ds saN Iw mesa Ill an ad Wowed wE be
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NO. ANY ROLWM *F TM OONNfIBI CREDIT
CONTRACT B SUBJECT TO ALL CLAIMS MO
OEFLIlBlf WISCN TM DERM OOMO ASSERT
AOABST THE SNLLM OF MOODS OR M WI MS
OSTAdt1NO PINBUANr HERETO OR WRN THE
PROdBIM NEREOF. REOOYBIY HIREINID61 BY
THE ONSTOR SHALL NOT EXCEED AMOUNTS PAID SY
THE OUTOR HEREUNDNR.
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"a CONTIMM 11111"ITA7N3l1 ON TIM WMMOW
PORN OYl AMY CONTRARY PROVIBU MB
Nr THE OOUTIMM OF BALE.
Lab Charge: You wil hime to pay a low
on am
padon of each pup I n11de now am ion days ?him, ?he
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pa?et doe ; . .
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• M TO A BYAAgJUM 00 00 AIRY
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"'PRN"•
Ford Motor Credit Company
P.O. Box 17948
GREENVILLE, SC 29606-8948
(877) 8057187
IIIdIIS
POVKY100200036 110
d?
SHARON S. HILLEGAS
540 BRENTWATER RD
CAMP HILL PA 17011
NOTICE OF OUR PLAN TO SELL PROPERTY
We have your property described above because you broke promises in our agreemerd.
?x PRIVATE SALE: We will sea the properly 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 rum of sake Place of Sale
You may attend the sale and bring bkklers 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 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.
The property is presently stored at: %WEIM A UTO AUCTION
11 LA STEK R
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 $ 19,627.47
Plus Costs: Repo Expenses $ 370.00
$
$
Plus Late Charges $ 34.88
Less Finance Charge Rebate $
Less Insurance Premium Rebate $
TOTAL $ 20,232.35
(Plus expenses Incurred If default at the time of repossession exceeded
16 days and less rebate received after the date of this notice.)
Your property won't be sold until 16 days after the date of this notice at
the EARLIEST. After that you can still get it hack any time before its
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 dealer/original creditor, the dealer/original creditor is to sell the property and pay you any money left over. If you owe money
after the sale, you will pay it to the dealer/original creditor.
? PERSONAL PROPERTY: Any personal property found in the vehicle may be reclaimed by you within the next 60 days or, in accordance with state law, by
contacting this office. Thereafter, the personal property shall be disposed of accordingly.
? Creditor has assigned to its qualified intermediary (OI Exchange, LLC) its rights (tut 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 11988-37 Jan 02 P-aus editions may NOT be used. CUSTOMER/CUSTOMER FILE
Primed in U.S.A.
MOTOR C
pO BOBX 1794
GFIEENVIUS.
(g7'1) W6-71g
MICHAEL S. HILLEGAS
540 BRENTWATER RD
CAMP HILL, PA 17041
NOTICE OF OUR PLAN TO SELL PROPERTY
hew your property dssr+I above bsseuae you brolrs presele s in err sgrearrranl,
PRNATE SALE: We vra sae em pmpatr dsser- l above at
s odiuana -how 1 11 unless nddRamed by yout prkw D to mob sail.
Ptn= GALE: We will to the property described above at public
sale to the hand bidder on the daft bellow (or any a*urnment
dab). The eels we be Ytid as blows:
OWodaab lmsdede Piave of Ids
You may eltu the sale and Bing bidders y you went
I money that we get from the Sala (after paying our costs,
uding reasonable attorney's fees and legal expenses H
milled by law) will reduce the amount you awe. If we get
s money than you owe, you will still owe us the dIfferenoe. If
gel more money than you owe, you will get the extra money,
an we must pay It to someone else.
u can get the property back at any time before we sell It by
ring us the full amou nt you owe (not Just the past due
rments), including our expenses. See How To Get Your
rperty Back for an Itemization of amount owing. To learn the
flat amount you must pay, cell us at the telephone number
need more Information about the sale call us at the
one number above, orwrlle in at the address above
)u want us to explain to you in writing how we have figured
amount that you owe us, you may call us at the telephone
lber above, or write us at the address. above and request a
ten axpionetion.
are sending this notice to the following people who have In
rest in the property desoribed above or who owe money under
r agreement: 1) The buyer and any oobuyer named above;
my dealerloriginal creditor named below; 3) If there are other
ple, they are named on on attachment sent with this notice.
Dried swbn ?,]l0a
a c
,arsine oalow06
Aooosd Numbar?6p11e06
DESCRIPTION OF PROPERTY
eM -,
2005 FORD .. `0 New
O Used
r:
1FAHP26136GIS1297
Liam
FIVE UMV
4 DR
The property is prsssntly stored ail: Mgmimen M 1190 Lanveobr RD
HOW TO 435T YOUR PROPERTY BACK
To gd your property book, pry us this amount by oWMW cheek or
motley older bebn ate vahdsto to btl.
Unpdd eelm0e i .? 1aMA?
Plus cab: Raa'C FERR i 370.90
t
i
Phrs Lots CNapae i 34.85
Less Femnw Charge Rebels i
Las kmuanos Prerrdam Rebels i
TOTAL i 2013233
(Phm an?enres kourrad if debuk at 1M arm of mpesnaeWn a "b"
1e days and Ire rrI I rsosived dW es dab ofthb ncbm.)
Your peoperlywanl be sit Wall 15 deye o twt w deb of I'lls ropes at
mm EARLIEST. AArr rh of you can sta got s boon any err before Rs
sotuelly sold.
If you do, vW1 hmw ro fu r1w deli an M. Sulam longer you weR one
n we cosis owtu ft misaks) you al" hM ID pray.
e you have any questions about tfihs, pleas d u1.
The property has been (or will be) rellumed to: r
ar our apreernsit w th your dasbrAxlglnd aadtor, the daderioNnal creditor IN to eel *0 properly and pay you any Money Ida over. If you owe ramp
tta sells, yes will psy A Is its dealerfadtnd orm0w.
PERSONAL PROPERTY: Arny pmwd p.wmty found in the vet&M nmly bereolahrned by you wMHn the nod 00 days or, in aooord nce with state low, by
- - I - ing this oRks. Theremlle r, lha penatd properly dull be caeposed of soconfi nilly.
Cmdbr has se finned to ft qudrbd Intermediary (01 E:ahngs, LLC) its dgMs (bat not he obegstorns) with respect to the sale of each vahlds feted nnb,
All payments to us mud be by os ftd c hat or moray, order.
EAGE DISCLOSURE: a you are Swam that the mneeph mledsd on the vahide'e oft, m ft Is not accords for cry rseaon, pleer cut" us so tint ve
mcumisy report the vehbk s mileage.
URANCE RIGHTS: l you deft vent to gd your propany bWK all the i susnve WMPny a the knd oreditr to make sure that any inaurrnoe
ban cenca.sd. You hme s eghtto gel onda for all pranlum refunds.
k n iNO-37 Jell di Previous Savo may NOT ee used
ed in U.S.A. CUSTOIAERIGUSTOMER FILE
ST ' d SirSirG29E T B 03 21010W Q210A wuira :0 T 6002 90 ia0
Ford Motor Credit Company
P O BOX 17948
GREENVILLE SC 29606-7948
877 8057187
DATE: 2009-10-28
POWUWBW100069
MICHAEL S. HILLEGAS
540 BRENTWATER RD
CAMP HILL PA 17011
SHARON S. HILLEGAS
540 BRENTWATER RD
CAMP HILL PA 17011
STATEMENT OF SALE
Account Number: 039011506
The following property has been sold.
Year Make Model
Vehicle Identification Number:
2005 FORD FIVE 1 FAHP28135G181297
Balance owing on your contract (1) $ 19,862.35
Deduct: Finance Charge Rebate (2) $ 0.00
Balance less Finance Charge Rebate (1 - 2) (3) $ 19.862.35
Deduct: gross proceeds of the sale (4) $ 9,700.00
Balance less gross proceeds of the sale (3 - 4) (5) $ 10,162.35
Add: Expenses of retaking and storing, and (6) $ 915.26
any attomeys' fees allowed by law, and
expenses of reconditioning and selling.
(7) $ 0.00
Deduct: Insurance Premium Rebate
(8) $ 292.94
Other:
(9) $ 10784.67
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 used.
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Manheirn ' ?
ORIGINAL. 11/02/2009
VEHICLE CONDITION REPORT 28570
MANHEIM AUTO AUCTION CUSTOMER FORD MDTOR CREDIT COMPANY LL.C
1190 LANCASTER ROAD ACCT. NAME FMC /REPO
MANHEIM, PA 17545 ACCT. UNIT NO. ; 4806300000000.0000039011506 RTR
800-822-2886 INSPECTOR LARRYH INSPDATE ; 9/15/2009
VIN _ 1FAHP28135G181297 2009 64 14 637 1 ARRIVAL DATE ; 9/15/2009 I= No ' 153422
DESCRIPTION 2005 FORD FIVE HUNDRED LIMITED 4DSN AWD Moon Roof, BLACK w/BLK Leather
MECHANICAL 3.0 Liter 6 Cylinder Gas, Automatic, Pwr Brakes, Pwr Steering
MILEAGE 59,169 MI, 6 DG, Digital TM-
I RADIO CD Player, CD Changer/OEM-06-Dash, MP3 Compatible
EQUIPMENT Pwr Locks, Pwr Windows, Pwr Seats - Both, AC, Cruise, Rear Defroster, Tilt Wheel, Air Bags/Dual-Front,
ABS Brakes, Dual A/C, Floor Mats, Heated Seats, Memory Seat, Park Dist Cd, Sec System, St Wh Audio Ctl,
Traction Ctrl, Trip Computer, Trip Counter, Woodgrain Int, Alloy Wheels, Fog Lamps, Keyless Entry,
Pwr Mirrors, Pwr Trunk/Gate, Wood Trim Dash, 50 St Emis, EPA Label
Part T Labor Labor
Hours Paw
Haas Labor
Fens Part
Costs
NON CHARGEABLE (formal Wear & Tear)
CHARGEABLE (Excess Wear & Tear)
13 Windshield Chipped Less 1" No Action Requ
? Front Bumper Gouged I" to 2" Repair 2.0 3.1 168.30
SCR REP.
? Roof Ding Less I" PDR 45.00
? LF Door Dings Less I" PDR 45.00
E3 LR Door Ding Less 1" PDR 45.00
13 Rear Bumper Gouged 1" to 2" Repair 2.0 3.2 171.60
SCR REP.
? RF Wheel Curb Rash Less 1" Repair 5.00
? RF Door Dings
13 RR Less 1" PDR
"
"
2 45.00
60
38
Door Multipple Dents 1
Repair 1.5
to 2 .7 1
.
O R Qtr Panel Dent/Paint Ding Less 1" Repair 1.5 2.7 138.60
O Master/Door Key Missing None Replace 60.00
E3 Keyless Remote Missing None Replace 25.00
O Warranty Books Missing Replacement Req Replace 10.00
E3 Owners manuals Missing Replacement Req Replace 10.00
? Gas Missing Replacement Req Replace 15.00
Parts 120.00
Labor & Paint 18.7 Hrs. 622.10
PDR 180.00
CHARGEABLE DAMAGE TOTAL: 922.10
Announced Condition........: REPO;MNRF;AWD;HS
Comments for Consignor Only: NO TPI
Consign To..: Financial TOTAL DAMAGE
Color Code..: UA/HW Parts 120.00
Driveable...: Yes Labor &Paint 18.7 Hrs. 622.10
Int. Cond...: Average, OK Odor Mechanical .00
Cert. Cand..: PDR 180.00
Cxberlot....: Ineligible Air Brush .00
922
10
Oil Cond....: Good/Clear DAMAGE TOTALS : .
Keys ........: Mst 1 Trk N Spr N Val N Rem 1 Inf N Cmb N KGo N
Tires .......: LF 4 PIRELLI 225/55R18 LR 6 PIRELu 225/55818 Average
RF 4 PIRELLI 225/55R18 RR 5 PIRELLI225/55RIS SP Mini Spare
Fuel Level..: Empty
SCC heduled Maint. -No Date - Mileage - Location -
age (NA" Grade)
r'ce Xy
g
Cate
or
g
y
Title Received......: 10/16/2009 Acceptance Date:
Account Signature: Date:
Detail Fees Not Included. Page 1
2009 064 14 0637 H?
SOFT COPY WORK ORDER 153422 11/02/2009 oTlo
MANHEIM AUTO AUCTION !CUSTOMER ;FORD MOTOR CREDIT COMPANY LLC
1190 LANCASTER ROAD ' 28570 Ammica RD Po Box 1732
MANHSIM, PA 17545 j DFARBORN, MI 48121
VIN 1FAHP28135G181297 IARWALDATE 9/15/2009 WORK ORDER 153422
YEAR MAKE MODEL BODY COLOR MILES =0 R TRH PS PB AC EN ES TOP CC EL INT CLR 4X4 TL SRS SI DF
2005 FORD FIVE HONORED LIMITS 4DSN BLACK 059169 60 C A X X X X X MR X X L BLK A X D F X
SOLD 10/23/2009 STOCK# LEASE 48063000000000000039011506 TITLE Y
DESCRIPTION PARTANV# OTYMR COST AMOUNT TOTAL
Repair RBMP B-2.00 P-3.20 5.20 33.00 171.60
TOTAL LABOR 171.60
REF: RF WHEEL 645 50.00 55.00
PDR LFDR RRDR 0401138584 .00 90.00
TOTAL SUBLET REPAIRS 145.00
GAS 2 GALLONS 3.66 3.66
TOTAL MISCELLANEOUS EXPENSE 3.66
VALUE DETAIL 72.50 72.50 72.50
TOTAL APPEARANCE RECONDITIONING 72.50
* NON-DEDUCTIBLE CHARGES
RBPO;MNRF;MM;HS
i MATERIAL
PARTS
SOLD TO: 5048972 01
T & T AUTOS LABOR 171.60
289 TOMPKINS ST
CORTLAND, NY 13045 CR/immeTIDNs/IMs
314YOICE PRICE 11,150.00 SUBLET REPAIRS 145.00
SALE PRICE 87% 9,700.00
SALB FEES 85.00 MISCELLANNOQS EXPENSE 3.66
A/R AMPS
RECON TOT 392.76 APPEARANCE RECONDITIOLPIINi 72.50
DLR RECCE
CERTIFIED TITLE FEES
SALES TAX
PRIME FEE SELLING & ADMMSTRATIVE FEES
SZMLCST SAT FEE 30.00
SELLER PROM FEE ADVANCE CHARGES
TOTAL EXPENSES 507.76
- ------------ TRANSPORTATION
NET SALE PRICE 821t 9,192.24
ENTRY # 064 2009 14 0637
CHECK OR DFT $ 7285561
RECON TOTAL 392.76
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor 0FfIGE'J ThE SmERIFF
Ford Motor Credit Company Case Number
vs.
Michael S. Hillegas 2010-6522
SHERIFF'S RETURN OF SERVICE
11/02/2010 07:13 PM - Amanda Cobaugh, Deputy Sheriff, who being duly sworn according to law, states that on
November 2, 2010 at 1913 hours, she served a true copy of the within Complaint and Notice, upon the
within named defendant, to wit: Michael S. Hillegas, by making known unto himself personally, at 14
Clemson Drive, Camp Hill, Cumberland County, Pennsylvania 17011 its contents and at the same time
handing to him personally the said true and correct copy of the same.
M A iA A r'A
All U It WIN k 11 JA.U
AMANDA COBA GH, DEPU
SHERIFF COST: $41.50
November 05, 2010
SO ANSWERS,
RON R ANDERSON, SHERIFF
..J r„J f'
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CID
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(ci CountySuite Sheriff, Teleosott. Inc.
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FILED-OFFICE
LAWS, STARUCH & PISARCIK
OF TIHE PROTHONOTARY
By: W. Scott Staruch, Esq. 2011 JAIN 24 PM 1: 3 5
Atty. ID No. 23887
20 Erford Road, Suite 305 CUMBERLAND COII;? T y
Lemoyne, PA 17043 PENNSYLVANIA
Isplaw _aol.com
(717) 975-0600
Attorneys for Defendant
FORD MOTOR CREDIT COMPANY,
Plaintiff
V.
IN THE CUMBERLAND COUNTY
COURT OF COMMON PLEAS
No. 10-6522 Civil Term
MICHAEL S. HILLEGAS,
Defendant
DEFENDANT'S PRELIMINARY OBJECTION
TO PLAINTIFF'S COMPLAINT FOR
FAILURE TO CONFORM TO RULE OF COURT
1. On or about October 13, 2010, Plaintiff Ford Motor Credit Company
("Ford Credit") filed a Complaint against Defendant Michael S. Hillegas
("Hillegas") arising out of a motor vehicle installment sales contract.
2. Attached to the Complaint is a verification signed by Joann
Needleman, Esq. who verified that she is the attorney of record for Plaintiff Ford
Credit. A true and correct copy of the verification is attached hereto as Exhibit A
and incorporated herein by reference.
3. Pa.R.C.P. 1024, entitled "Verification," states in relevant part:
"(c) The verification shall be made by one or more of the parties filing the
pleading unless all the parties (1) lack sufficient knowledge or information,
or (2) are outside the jurisdiction of the court and the verification of none of
them can be obtained within the time allowed for filing the pleading. In
such cases, the verification may be made by any person having sufficient
knowledge or information and belief and shall set forth the source of the
person's information as to matters not stated upon his or her own
knowledge and the reason why the verification is not made by a party."
4. Ms. Needleman's verification fails to set forth the reason why the
verification is not made by a party and thus fails to conform to Pa.R.C.P. 1024.
5. By reason of Ms. Needleman's faulty verification, Ford Credit's
Complaint fails to conform to rule of court and must be dismissed pursuant to
Pa. R. C. P. 1028(a)(2).
WHEREFORE, Defendant Hillegas respectfully requests this Honorable
Court to sustain Defendant's Preliminary Objection, dismiss Plaintiffs Complaint
and award such additional relief as it deems just and proper.
Respectfully submitted,
LAWS, STARUCH & PISARCIK
W'Scdff Staruch, Esq.
Atty. ID No. 23887
20 Erford Road, Suite 305
Lemoyne, PA 17043
(717) 975-0600
Attorneys for Defendant
Michael S. Hillegas
2
I
F
VERIFICATION
I, JOANN NEEDLEMAN, 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:
JOANN WEDLEMAN, ESQUIRE
DATED: October 7, 2010
Exhibit A
0 ? Y ..
CERTIFICATE OF SERVICE
I hereby certify that a true and correct copy of DEFENDANT'S
PRELIMINARY OBJECTION TO PLAINTIFF'S COMPLAINT FOR FAILURE TO
CONFORM TO RULE OF COURT has been served this 25TH day of January,
2011, by U.S. first class mail, postage prepaid, upon counsel as follows:
Joann Needleman, Esq.
Maurice & Needleman, P.C.
935 One Penn Center
1617 John F. Kennedy Blvd.
Philadelphia, PA 19103
LAWS, STARUCH &, AR
By:
colt ruck, Esq.
MAURICE & NEEDLEMAN, P.C.
BY: Joann Needleman, Esq. Attorneys for Plaintiff
Identification No. 74276
935 One Penn Center
1617 John F. Kennedy Blvd
Philadelphia, PA 19103
(215) 789-7151
FORD MOTOR CREDIT COMPANY, A CUMBERLAND COUNTY COURT OF
DELAWARE LIMITED LIABILITY COMMON PLEAS c
COMPANY
Plaintiff Case No. 2010-6522 n -
V. ? --
SHARON S HILLEGAS a.
MICHAEL S HILLEGAS '
Defendant(s). "' w>
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.
JOANN NEED MAN, ESQUIRE
Attorney for Pl ntiff
Date: January 11, 2011
CERTIFICATE OF SERVICE
I, Joann Needleman, 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:
SHARON S HILLEGAS
540 Brentwater Rd
Camp Hill, Pa 17011
MICHAEL S HILLEGAS
14 Clemson Drive
Camp Hill, Pa 17011
Respectfully Submitted,
MAURICE & NEEDLEMAN, P.C.
BY:
Joann Ne leman, Esquire
Attorney for Plaintiff
DATED: January 11, 2011
VERIFICATION
1, 3®VeMFVrV80UM , 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.
Representative of Plaintiff,
FORD MOTOR CREDIT COMPANY LLC,
A Delaware Limited Liability Company
nr.T 19 ?010
DATE:
SHARON S HILLEGAS
Our file no. 12954
48063000000039011506
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
FORD MOTOR CREDIT COMPANY, A : No. 2010-6522
DELAWARE LIMITED LIABILITY
COMPANY
Plaintiff
vs. :CIVIL ACTION
SHARON S HILLEGAS --
MICHAEL S HILLEGAS cr,
Defendant
..r
PRAECIPE FOR SUBSTITUTION OF COUNSEL cXl
TO THE PROTHONOTARY:
Kindly substitute Andrew Sklar, Esquire of the law offices of Sklar - Markind, 102 Browning
Lane, Building B, Ste 1, Cherry Hill, New Jersey 08003 as counsel for the Plaintiff in the above
entitled matter. The undersigned hereby consents to this substitution.
Andrew Sklar, Esquire
Superseding Attorney
Sklar - Markind
102 Browning Lane, Bldg B, Ste 1
Cherry Hill, NJ 08003
ID # 65332
Joann Needleman, Esquire*
Withdrawing attorney
Maurice & Needleman, P.C.
935 One Penn Center
Philadelphia, PA 19103
ID#74276
Dated: May 21, 2012
Dated: May 21, 2012
* Signed with permission of Joann Needleman, Esq.
FILE NO.: FT 114675
Sklar-Markind
Daniel J. Santucci
Attorney I.D. #92800
102 Browning Lane
Building B, Suite 1
Cherry If ill, NJ 08003
(856) 616-,8710 Ext. 317
(856) 616+8716 Fax
Attorney for Plaintiff,
FORD
FORD MOTOR CREDIT COMPANY, A
DELAWARE LIMITED LIABILITY
COMPANY
Plaintiff,
vs.
SHARON S. HILLEGAS and
MICHAEL S. HILLEGAS
Defendant(s).
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
CIVIL ACTION
NO. 2010-06522
ANSWER TO PRELIMINARY OBJECTIONS
Plaintiff through its attorneys, Sklar Markind, does hereby answer the Preliminary
Objections brought forth by the Defendant and states as follows: _
1. Denied, as moot.
cn N -'ter
2. Denied as moot. - u r
3. Denied
as moot.
,
4. Denied, as moot.
X--
5. Denied, as moot.
r
Respect itted,
ji
G.
Daniel Santucci, Attorney No. 92800
FT 114675
Sklar-Markind
Daniel J. Santucci
Attorney I.D. #92800
102 Browning Lane
Building B, Suite 1
Cherry Hill, NJ 08003
(856) 616.8710 Ext. 317
(856) 616-8716 Fax
Attorney for Plaintiff,
FORD
FORD MOTOR CREDIT COMPANY, A
DELAWARE LIMITED LIABILITY
COMPANY
Plaintiff,
vs.
SHARON S. HILLEGAS and
MICHAEL S. HILLEGAS
Defendant(s).
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
CIVIL ACTION
NO. 2010-06522
BRIEF IN SUPPORT OF PLAINTIFF'S REQUEST TO OVER RULE DEFENDANT'S
PRELIMINARY OBJECTIONS
Statement of The Case
Plaintiff, Ford Motor Credit Company, by and through its attorney, Sklar Markind,
hereby respectfully requests this Honorable Court to deny Defendant's Preliminary Objections.
In support thereof, Plaintiff avers the following:
1. FACTUAL BACKGROUND
On or about October 13, 2010, Plaintiff filed a civil action in the above matter alleging
breach of Motor Vehicle Retail Installment Agreement/Lease Agreement entered into between
the parties. In its Complaint, Plaintiff alleges that Defendant entered into a written Motor
Vehicle Retail Installment Agreement/Lease Agreement with the Plaintiff for the purpose of
buying a 2006 Mercury Mountaineer. In support thereof, Plaintiff attached a copy of the Motor
Vehicle Retail Installment Agreement/Lease Agreement as Exhibit A to the Complaint.
Defendant filed its Preliminary Objections to Plaintiff's Complaint, arguing that Plaintiff's
Verification of the Complaint signed by its counsel was improper, therefore Plaintiffs
Complaint should be stricken. Plaintiff filed a Praecipe to Substitute Verification of the Plaintiff
for that previously filed. Plaintiff now brings this Memorandum of Law in Opposition to
Defendant's Preliminary Objections.
II. LEGAL ARGUMENT
A. STANDARD OF REVIEW
Pennsylvania Rule of Civil Procedure 1028(a)(4) states that "Preliminary Objections may
be filed by any party to any pleading and are limited to the following grounds: legal insufficiency
of a pleading (demurrer)." Pa.R.C.P. 1028(a)(4). Preliminary objections, the end result of which
would be dismissal of an action, may be properly sustained by a trial court only if the case is free
and clear from doubt. American Housing Trust, III v. Jones, 696 A.2d 1171 (Pa. 1997). The test
on preliminary objections is not whether applicable law is clear and free from doubt, but whether
it is clear and free from doubt from the facts plead that pleader will be unable to prove facts
legally sufficient to establish his right to relief. Firing v. Kephart, 353 A.2d 833 (Pa. 1976).
B. PLAINTIFF HAS SATISFIED VERIFICATION REQUIREMENTS UNDER
THE PENNSYLVANIA RULES OF CIVIL PROCEDURE
Defendant argues that Plaintiff has not attached a Verification signed by an agent of the
Plaintiff and therefore the Complaint must be stricken. Plaintiff has since filed a Praecipe to
Substitute Verification for that of a representative of the Plaintiff. Therefore, Defendant's
preliminary objection on this point is hereby moot.
III. CONCLUSION
WHEREFORE, Plaintiff respectfully requests this Honorable Court to overrule the
Defendant's Preliminary Objections and direct the Defendant to file an Answer to the Complaint.
Respectfully sub ed, F%
Darnel Santucci
Sklar-Markind
Daniel J. Santucci
Attorney I.D. #92800
102 Browning Lane
Building B, Suite 1
Cherry Dill, NJ 08003
(856) 616+8710 Ext. 317
(856) 616+8716 Fax
Attorney for Plaintiff,
FORD
FORD MOTOR CREDIT COMPANY, A
DELAWARE LIMITED LIABILITY
COMPANY
Plaintiff,
vs.
SHARON S. HILLEGAS and
MICHAEL S. HILLEGAS
Defendant(s).
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
CIVIL ACTION
NO. 2010-06522
CERTIFICATE OF SERVICE
I Daniel Santucci, Esquire, counsel for the plaintiff, do hereby certify that I sent a true
and correct copy of this Answer to Preliminary Objections, to the Defendant's attorney at his
address on May 21, 2012.
W. Scott Strauch, Esq.
20 Erford Road, Suite 305
Lemyon, PA 17043
Daniel J. Santucci, Esquire
PRAECIPE FOR LISTING CASE FOR ARGUMENT
(Must be typewritten and submitted in triplicate)
TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter fort4?f?- .zf.lr 1
Argument Court.)
T _
--------------------------------------------------------------------------------------------------------- --
CAPTION OF CASE
(entire caption must be stated in full) `.. ` 0 (,GLit a1T '
-Foal /N L? ?'e c? ? (-"b
vs.
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M I No. -(9J a ?? D Term
1. State matter to be argued (i.e., plaintiff's motion for new trial, defendant's demurrer to
complaint, etc.):1Q.Iew I wvV? ,5 Pr e 1_ I'M IAIVI a er - cc,-it1kt;
2. Identify all counsel who will argue cases:
(a) for plaintiffs:
k( Avi,
(Name and Ad ess)
hC?Vt
(b) for
G- C'ky10 U W. Pk1"
3. 1 will notify all parties in writing within two days that this case has been listed for
argument. ?,'?
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4. Argument Court Date:
Date: S kv i, -11 ,? D 4-
H 11, N -S 0o
ants:
and Address)
Signature
L)A'14fl
Print your name
Attorney for
INSTRUCTIONS:
1. Original and two copies of all briefs must be filed with the COURT
ADMINISTRATOR (not the Prothonotary) before argument.
2. The moving party shall file and serve their brief 12 days prior to argument.
3. The responding party shall file their brief 5 days prior to argument.
4. If argument is continued new briefs must be filed with the COURT
ADMINISTRATOR (not the Prothonotary) after the case is relisted. aw? *9. )s P?t?
CLU )*164
U07W-090
W. Scott Staruch, Esq.
Laws, Staruch & Pisarcik
20 Erford Rd., Ste 105
Lemoyne, PA 17043
Atty ID No. 23887
(717) 975-0600
(717) 975-3871 Fax
FORD MOTOR CREDIT COMPANY,
Plaintiff
V.
MICHAEL S. HILLEGAS,
Defendant
Cj
cr+
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLW
No. 10-6522 Civil Term
PRAECIPE TO WITHDRAW PRELIMINARY OBJECTIONS
TO: Prothonotary
Please withdraw the Preliminary Objections to Plaintiff's Complaint filed
Defendant on January 24, 2011.
Respectfully Submitted,
Laws, Staruch & Pisarcik
By:l/ 2' -
ScottStaruch, Esq.
W. Scott Staruch, Esq.
Laws, Staruch & Pisarcik
20 Erford Rd., Ste 105
Lemoyne, PA 17043
Atty I D No. 23887
(717) 975-0600
(717) 975-3871 Fax
FORD MOTOR CREDIT COMPANY,
Plaintiff
V.
MICHAEL S. HILLEGAS,
Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVE
: No. 10-6522 Civil Term
CERTIFICATE OF SERVICE
I, W. Scott Staruch, Esquire, hereby certify that a true and correct copy of
PRAECIPE TO WITHDRAW PRELIMINARY OBJECTIONS was served upon the fol
individual by mailing by U.S. First Class Mail, postage prepaid, on this 10T" day of
2012.
Andrew Sklar, Esq.
Sklar Markind
102 Browning Land, Bldg B., Ste 1
Cherry Hill, NJ 08003
w.-Scott Staruch, Esquire
20 Erford Road, Suite 305
Lemoyne, PA 17043
(717) 975-0600