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SKLAR - MARKIND =M
Andrew Sklar, Esquire (ID #65332 )
Lloyd S. Markind, Esquire (ID #52507) +3> „?
102 Browning Lane ^ $i
Building B, Suite 1 c-) ` -
Cherry Hill, NJ 08003
File No.: FT112668 .21
c.,a
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
FORD MOTOR CREDIT COMPANY LLC : No. Iol - 1501 0io Oi'M
Plaintiff
TERM
VS.
CIVIL ACTION
DENNIS E BAKER
Defendant
NOTICE
You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must
take action within twenty (20) days after this complaint and notice are served, by entering a written appearance
personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against
you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered
against you by the Court without further notice for any money claimed in the Complaint or for any other claim or
relief requested by the Plaintiff. You may lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER
OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT
WHERE YOU CAN GET LEGAL HELP.
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
Telephone: 717-249-3166
AVISO
Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas
siguientas, usted tiene veinte (2) dias de plazo al partir de la fecha de la demanda y la notificaion. Hace falta asentar
una comparencia escrita o en persona o con un abogado y entregar a la corte en forma escrita sus defensas o sus
objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas
y puede continuar la demanda en contra sya sin previo aviso o notificaion. Ademas, la corte puede decidir a favor del
demandante y requiere que usted cumpla con todas las provisioner de esta demanda. Usted puede perder dinero o sus
propiedades u otros derechos importantes para usted.
LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE SI NO TIENE ABOGADO O SI NO
TIENE EL DINERO SUFICIENTE DE PAGAR TAL A LA OFICINA CUY A DIRECION SE ENCUENTRA
ESCRITA ABAJO PARA AVERGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL.
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
Telephone: 717-249-3166
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Andrew Sklar, Esquire (ID #65332)
Lloyd S. Markind, Esquire (ID #52507)
Sklar - Markind
102 Browning Ln, Bldg B, Ste 1
Cherry Hill NJ 08003
856/616-8710
FILE NO.: FTl 12668
Attorneys for Plaintiff
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
FORD MOTOR CREDIT COMPANY LLC '
1335 S. Clearview Avenue I No.
Mesa, AZ 85209
Term
I
Plaintiff(s)
I CIVIL ACTION
I
V. I
I
DENNIS E, BAKER
I
Defendant(s)
I
CIVIL ACTION COMPLAINT
1. Plaintiff, FORD MOTOR CREDIT COMPANY LLC , is a Corporation with its place of
business at 1335 S. Clearview Avenue Mesa, AZ 85209.
2. Defendant, DENNIS E BAKER , is an individual who resides at 94 CHERRY LANE,
CARLISLE PA 17015.
3. At all times relevant hereto, 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 (the Contract as hereafter defined).
4. On or about July 17, 2006, the Defendant(s) entered into a written Motor Vehicle Retail
Installment Contract, Account Number 48063000000041111427, (hereinafter referred to as the
"Contract"), for the purpose of obtaining financing in the amount of $26,730.35 at an annual
percentage rate of 5.9%, in order to purchase a certain motor vehicle, 2006 Ford Ranger, 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
$442.80 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 June 3, 2008, but has failed to make any further
payments thereafter, and are therefore in default of the Contract.
7. The above-mentioned vehicle was voluntarily surrendered and as a result of the default by
Defendant(s), and pursuant to the terms of the Contract, a notice of intent to sell property was sent
to the Defendants(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 intent to sell property 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(s) in the amount of $14,400.00, however a balance of $8,442.20 is still
due and owing, and a notice of the deficiency balance was sent to the Defendant(s). See copy of
the notice of the deficiency balance attached and marked as Exhibit C.
9. Pursuant to the terms of the contract, Defendant(s) is required to pay all amounts due and owing,
including any balance that may remain after the sale of the vehicle, and the Defendant(s) failed to
do so, thereby in default of the Contract.
10. In addition to the foregoing, there is interest due and owing on the deficiency balance which at
this time amounts to $2,195.35 and which will continue to accrue.
11. In addition to the foregoing, there is due from the Defendant(s), reasonable attorneys fees in the
amount of $2,110.55.
12. The total amount due and owing at the date of this complaint is $12,748.10.
WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant(s), jointly and
severally, if more than one, in the amount of $12,748.10, well as any additional interest and costs that may
accrue and such other and further relief as this Court may deem equitable and just.
SKI, ARKIND
Date: February 28, 2012
Andrew Mar, Esquire (ID #65332)
Lloyd S. Markind, Esquire (ID #52507)
Attorneys for Plaintiff
102 Browning Ln, Bldg B, Ste 1
Cherry Hill NJ 08003
856/616-8710
VERIFICATION
I, Andrew Sklar, Esquire, of the law firm of Sklar - Markind, hereby state and verify that my firm is
counsel for Plaintiff in this action; that we have reviewed certain documents and/or other records provided
to us by Plaintiff for the filing of a Complaint in this action; that a substitute Verification executed by an
officer or other employee of Plaintiff will be filed as soon as same is received; and that the Complaint
filed herewith is true and correct to the best of my knowledge, information and belief. The undersigned
understands that the statement made therein are made subject to the penalties of 18 Pa. C.S. §4904 relating
to unsworn falsifications to authorities.
e Andrew Sklar, Esquire
Date:
File No.: FT 112668
Exhibit A
IIENNIS E aR1EM
2111 RIM NO
9 ?- LL AIXETHTWN PA
lI- = I aRtl "
ITEMIZATION OF AMOUNT FINANCED
NAGUIRES FDRU tIF HEIFNLY
low it THIS, LEOIWN UN
tN.111"', PP 1-1018
LEBRNW
C A, 'a'.F.uro I
INSURANCE
YOU ARE REQUIRED TG INSURE THE
VEHICLE. YOU MAY OBTAIN VEHICLE
INSURANCE FROM A PERSON OF
YOUR CHOICE.
LIAR LITY INSURANCE COVERAGE
FOR BODILY INJURY AND PROPERTY
DAMAGE CAUSED TO OTHERS IS NOT
INCLUDED.
CREDIT LIFE, CREDIT DISABILITY AND
OTHER OPTIONAL INSURANCE ARE
NOT REOLBRED TO OBTAIN CREDIT
AND WILL NOT BE PROVIDED UNLESS
YOU SIGN AND AGREE TO PAY THE
PREMIUM.
1. CPN Pro, S .J"-,.(I)
a. OP- Payment
Bees,,,
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PERCENTAQE CHARGE Finartad PaymelKa price
RATE . a:lw e•?,.m R° a'4 m Tn. rtlam rm row cox
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You want Crect Lae Insurance.
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Buyer Sign.
LI peaDelly I_rawl Company
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YW Ydm Crada gladliy insurance.
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eaYEY M amlbue will Ir. DTHER OPTIONAL INSURANCE
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assures Yrb_ ,l: Yu. aw pm•p o v'eW YY'nNnal it C1a.Mc41Yarq pYacnee,d - -
llN =40'j .nNe pry a ION Cha'TI0^n?W100n M axh pilVlanl rrcwnW •nnY man 10
Wya 4lA prwm r,q lrbe .. RY... -- -" -NYM-
eouarPNeae rw twa w?M.r nr -.•.a n .ry ?nln,ac r?w? YOU
wan Ins OptiaMl naurarce br +M,.'n
PaWY'mcr. eey .? r aymem d NPr ^ON neh'I W4. •. .cM1M.wr Yae. rW rbnilml5 ara clouded ab-
11 ypu do rwl nbnt your CdrVmCl Opligati0na, you may bas your whCle, as well
AO Z' Pa's and gcooi put on Your wear'. and _y .1 9-:1. __e - Guyer 5
re?srm aw.r, IX.ne-r.rm.m. wMnP,Yapn,..tNR
I ?s.maNnnw h[lAn mwry
M& cOntrOC. apply. Yw m0Y DO d'urp00lOr daweew0 wwr Datxd upon wr dardwde !? wr? n In . ^e+w w ep.wmen,
EXTRA MILEAGE OF FIEDIT
It IhN to tact c0^IWM a mean pnymgnl li< rgkMee nporel. no ypr nice 9ev:rw anu le rd rrcY.iu1 b aYby, d,d. TM
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BALLOON CONTRACT PROVISION!
[] VwrIY,l ir4LMm VlYnwn: urWrYYY w:Crea i6•Wlybn p.Tymen'.. Co"BeYIX Sgn -
EKCE89 WEAR. us"
AND ALEAOE d1AROF.9 ,,In LM nr,0 Credit Oetlat?Ypwewe aw
u me eoa alaaN SIbYO M plperad. III -, rareoaon e, aw Panoipn c a u « rw IX Pp ,mna .M.m .a
br rYpm:el ,Ya. a you mre ae the oghxl b set IAS vehCW peck b BmIR urdw
Parprayn 8, yw aNn Gay tly SaIWI !0. filer mta to each ale In BaaR ??]]rrprR C,acHIxM wxv,r Aatlelw. (Oparr)
01 ??ra eneanl al tlw POwne'Ar, Pil.. Dm k cl„xitl y4• nrve peeMaf , itll
M'n,^0 cdvalbe M M ace, cwga W en wzre•
NckM Z. Ctplinn m sell U,I Whrle b ne $eyrr ubIX Ibrpapn B, his ew nxlr. In rw uMGW AWUww, write e
amfdP!I app4ee b your LYxOrac.. N the ecMdulatl m'd a tllm co'wud. Yw wl mvera!aa wOMlwv4x.TM Orla la me eNx
ecelw a aadl a iD. per unlae0 mle la the nunGr Of u:uaep mlaa ra:klbn wJwaw Wnn on lnRedpaclntp
inn MINA, Waa My AmOUnN VOU IemxYww Vrve,r Fr,aoi enlr e,c'a,,.
OrYV µ-dpr erW Cpnpcl. YOU win rot RClivf any Ged!a tM rwtble m deartYyelt mk v
wr,.nlaf wNY wr ?•, p yW cry ire dalWll. Vw --I:
ryw Yry 4Cbr it rA: cm,l[ is pcya ?? p ? ?y?,rl
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NON-MOOIFCATION DISCLOSURE
I n,Y aw?a=(n m4 w,I,rd ,ww w Lp,.rlr?ml .q xr W ar rw .rq IM eeue..
96^a AW'n
I VOU ACKNOWLEDGE THAT YOU HAVE READ AND AGREE TO BE BOUND BY THE ARBITRATION PROVISION ON
The Annul PprgOntage Rik ^NY be rlegollsted wNh the gelk.. The Better may Resign Mix mnenEt and msy stain
received and reviewed a true and completely tllhld In copy of this contract and ('Dial ....
io. n'
Ate right tp receive a prxNon of the Flryna Charge.
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Do not sign this contract in bknN. You are entitled to an esact copy of the contract that you sign.
Kee\p]I?t/to ?protect your legal rights.
BOM eNa
Buyer (and Co•Buyer) acknowledge that (q before signinG tMS contract, Buyer {and Co-BUyeq ;
e of '
signing this contract, Buyer (asp Co-Buyer) received s true and CpmpleNly tilled in copy o7 tTi(s I
! contract
, r1IRAl??S q-? TMt9CONTRACT IS -?a NOT VALID U AND . -TIM By,
Mlbr may bw,tlw Inb ,anYSl Y .plow teen. TNM pwea w Lll!en Mw tl fielhr', rpnb, pnMegu. wq rpr,eraaL aT IiaMeO sinew, tM
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PLYI -ORIOWAL PLY p - eUYER'S COPY PLY ]LO-BUPEWOVMAMTOq COPY PLYi - EEL[IRS COPY MON-TNANVIRaSLa)
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iiMFULLY AND IN rM ENTIRETY
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- - ? ?? - - - - - 14T7iDfl;{t}NAL AGRgEMIiafTS - - - - - - - - p?E
A Picyrrients >aiRd Summary tNotk:e You must mak0A pay- approve the type and amounf of rrreurance tf ttte lreir6Cle is tics!
rrterns: in U.S. funds vfien they are dote, You.may.prepay your damaged of destroyed; you enusx pay the 6611ar What is 90141
debt at any time without penalty. This is a simple interei contract. owed
Tho actual tine ce charge you agree to pay wit depend-on your You agree %at the Seller can make s olatrn vti6ler. die insttrat+0e .
payment pattems. The actual finance charge may exceed the policy - You authorize the itriurance''oompttiny bo provide Seller
clisdosed Finance Charge _it you crake your payments dater than any irtiarmetion Seller believes necessary, 1o meke.a claim. You
the scheduled dales or in less than the scheduled amount. Your must use insurance.prooneda, to repair the vehicle, unlm• 1p
payment will be applied first to the earned and unpaid part of the damage 1o>the vehtde Is cc0sIdered a'total ii>als.1f ie damage
Finance Charge and then to the unpaid Amount Financed. The to the vehicle is considered a total loss, you must use the insur-
Finance Charge Is earned by applying the .Annual • Percentage anoe'proceeds to.pay'what you oi+ae the: SeNer..if..your.iitsurartct -
Rate to the unpaid Amount Financed for the actual time that the on the vehicle doesn't pay all you owe; you musfoay Whst is M -'
unpaid Amount Financed is outstanding. If the vehicle is repos- owed
sassed, you will not have the right to reinstate the contract unless
the Seiler agrees.
B. Balloon Payment Contracts: it your last installment payment
under this Contract is •a balloon payment as indented on the front
of the contract, you may harxse the Jastinstakmenl-payment in
one of three ways.
First, you may pay all that you owe when the last installment
payment is due and keep your motor vehicle.
Second, you may ? ftnanoe the last Installment payment unless
you are in default under this contract If the Seller has advanced
funds to cure any default, you must pay back the Seller before
the refinancing, You also must provide proof d insurance accept-
able to Seiler befor the refinancing. The Annual Percentage Rate
(AF?R) for the refkoing u?ill be theiower of'the APR agreed to
by you and I ter at the time of the refinancing or the
maximum rate pe tried by law. The term of the refinancing will
be based on the amount refinanced, the rate, and the amount of
the monthly payrneni. The refinanced monthly payment shall be
the same as in this contract if the refinanced amount will be fully
payment; Otherwise, the monthly, pajrrnern amount shall be the
amount needed to ',fully pay rho retinanood amount within 36
months of the duo date of the Jasf installment payment. If you
wish to refinance. you must notify the Seller in writing. Except as
cliscussed in this section. the notice must be received no later
than 30 days prior to'the due!{'tA err t' insi<nllmarht paytreM.
06 Returned Insutance Ptemhums, 'and $61`06e Context `
Charges: This contract may contain chorges for •instrranoe
service contracts, or other contracts. You:agree4tall-.the Seiler
can clear b.,cnefits,undoi fl -contracts and,unlese°piohibtited
try taw, tarrrina? them 20 obtain •retuncls of arredrrted:.fuiarges to .
reduce what you owe, if the Seller gets a refund on Insurance;
aervloe contracts, or othet.,oontraols, the Seller will subtrad it (recta
what you awe. Once all arrourrtts owed„under•;thls`boatraet are
paid, any remaining refunds will be paid to you;..
H. Default You wlll.be In default it;
i • You do not make a payment when it is dire, or
2• You gave false or misleading lnforrnaUon:on your;credit'
application relating to this contract; or
3. Your vehicle is seized by any
local, state:;otfe48ral
authority and is not promptly and uncoritionalfyieU,nhcd
to you; or
4. You file a bankruptcy petition or one is tied against
yCxt; or '
5. You do not keep any other promise In thle contract.
It you datault, Seller can exercise Seller's rVU;otldei-I Ws ctiri- `, `
ra^t? sad Selli??s'cn_
f. Repossession: if you default the Seller may require YOU ID
pay at once the unpaid Amount Financed, the earned and unpaid
part of the Finance Charge and all other amounts due,underthis:
contract. Seller may repossess (take back) the vehicle, 1666. Seiler
may also take goods found in or on the vehicle erheare?vscitstsetl
and-hold-ftm for you.
J. Yaw Right To Redeem: If the vehicle is taken oti* Seller
will send you a notice. The notice will say that you may -redeem
(buy back) the vehicle and will explain how to redeem Ale ve ttcle
You may redeem the vehicle up to the Time the Seder sells it qr
agrees to sell it. ti you do not redeem the vehicle, It Will be'soid,
K. Disposition of Motor Vehicle: it the vehicle Is, taken bade
and sold, the money from the sale, less allowed exportse's,•;wip '.
be used to pay the amount still owed on ttie.contraot'.Agioned
expenses include those paid as a direct resull of having to rou"
the vehicle, hold it, prepare-it-for sale, and sell-It;#Riasors".
lawyers fees and legal ecsits are allowed, too. If Akre is any.
'•' f
money left a (surplus), it wit be paid to you. 0 the moirey mm
the sale is not enough to pay off this contract and•cosis; you wig
pay what is still owed to the Seiler. It you do not paythis arntunt
when the Seller asks, the Seller may charge you interest at the
highest lawful rate until you ,pay, ___ - -
C. t lilt iige Repair: If your Last insin Oman I payment under tills L Collection Costs: Except as otherwise provided by law, you
contract is .a balloon payment and you sell the vehicle (rack to must pay any and all expenses related to ento'rcing;this:cibntract
the Seller under Paraggr?ap?h H.you.ares.esponsddefor.repamof' ineW rig-collection expenses, lewye s' fees and otter legal
all datrfaye:to ttte vetiicte lliat are not the result of normal wear expenses.
and use. These repairs include, but are not limped to, those
-
necessary to; M. Consumer. Reports: You authorize the Assignee listed
din tie:
(1) replace any lira not pan of a matching set of tour or My -ft trout AWs-coalraa to obmtn-oorwwwr credlrrepo'rts'(rom;oon-
- ?vt9ich hasiess ttrari-l/B'indh a?te`rnauning tread: sumer reporting agencies (credt bureaus) for any reason and at
(H) repair all mechanical delects: any time in conneton with this contract.
iii)i repair or replace all dented, scratched, cupped, rusted or
rnismalc. ed body pints, paint or vehicle identification items;
N. Applicable Law: Yoit agree that this contract will-be;govemed:
all dented, scrat , Maw, pitted. broken or 'missing trim by the laws of the state of Pennsylvania.
and gall wort;; all etched. cracked, pitted or broken lass;
.he
sms; all broken or burned out lights;
all faulty witick
0. General: This contract contains the entire agreement•between ...
d ctions: all interior rips, stains, bums or
a{I electronic a Seller and you relating to the sale and financing of the 111*r
rnage which would be covered try
n
warn areas; and vehic4e. It any pan of Oils contr act is not valid, all otherparis slog
collision or coine insurance whether or nut such
Ft valid. It Seller doesn't enforce Seller's ritfhta e1erY Sirrre. Salter.
Insurance is alfor a can Will enforce iherr later. Seiler will exeraso all of Settees 6 , Is
If you have not rrade An repairs before inspection of the vehicle In a lawful way.
under Paragraph B, you will owe the estimated costs of such it the Iasi Installment payment under this contract Is:.* JmlbCn
repairs, even it the repairs are nol made, pdor,•to your sale of llhe payment, Assignee` has assigned to 01 Exchan in,,,tgs pplgr
vehicle to theSellet.It, u diswgme__' 9Liu edxA :a4I-----es-Ass4v*e's•-q=#ftd-fi`tL•hibdi3"ry" fls a r{buc.awt its
rchase
ale
f tiro
441e
bli
ti
ith r
ect to the
and
t
)
i
a
or
o
vepairstir at your expense pr ,
ga
pu
s
.
w
esp
o
s
o
ons
your stile of.1he vehicle tic the• Seller.
Thud. you may sell the vehicle to the Seller for an amount equal
tot fast instal paymentt. You must pay to the Seller any
other amount owed rider this contract. Amounts you awe will be
based, in part, on . vehide's mileage. You also must pay to
the Seller the estima costs of all repairs to thevehicle that are
the result of excess •wear and use, as set taili below. You must
take the. vehicle to a, place, selected by the Seller for inspection
no laler•than 15 nay prior to the Iasi installment payment due
date. After the inspe bon, if you decide to sell the vehicle to the
Seller, .you mttst;gtya, tixr _vehiole..to. the, Seller no later than -the
last irtatt?tlrnrattt payment due date. At that time, you must also
give the-Seller a title, which sham-no Hens other than the Seller's
lien, transferring ownership to the Seiler or a person seterted by
the Seiler. After the iWeation. 0 you decide not to sell vehicle
to the Seller, you ruts:! immediately contact the Seller and Worm
the Seller whether you want to refinance the last installment
payment.
repairs, you may have the repairs made at your expense prior to
your sale of the vehicle.to the Seller,
_ .r t . Thevehicle and ail parts or other od
goods put on the vehicle;
2. All money.or goods received foi the vehicle; and
3. All insurance premiums 'and service contracts financed for
YOU.
This seemres.paymentof all amounts you-owe underdhis contract.
11 also secures your other agreements In this oomract
E. Use Of Vehicle - Warranties: You must take care of the
vehicle and obey all taws in using It. You may not sell orrent the
vehicle, and you must keep it free from the dafms of others. You
will Inc[ use or permit the use of the vehicle outside of the United
States: except for up to 30 days in Canada or Mexico, without
the prior written consent of the Seller. If the vehicle IS of s type
norrnaNy-ored -tor Vemnal use-and tide =Saner; or -the vehi
cle's manufamrer, odends Ia writteq warranty . or service
contract covering the veNcie ??rlthln 90 days from the date of
this contract. you get implied warranties of merchantability
and thirrest for a parrtiicularurpose covering the vehicle.
Otherwise, you understand and agree that there are no such
implied warranties, except as otherwise provided by law.
F. Vehicle Insuranos: You muzo insure the vehicle against loss
or damage from collision, the theft. You must name Seiler as
the loss payee under the Insurance policy. The Seller must
GUARA
To cause the Seller to sell the vehicle described on this front of this con
'Guarantor` guarantees fit; payment of this oortiraa This means that if
each Derbon who .ions aS a euwrantne will now it when ..1-ri C•wH r:
NOTICE -ANY -HOLDER 00 THISS CONSt1NiER"CRE W
CONTRACT 1S .SUBJECT. TO. ALL CLAIMS ;.Alkb:
DEFENSES WHICH THE 'DEBTTOR. COUL..G ASSERTi
AGAINST THE SELLER OF GOODS,OR SERVICES .
OBTAINED PURSUANT. HERETO OR ..WIITH.; TIiS•
PROCEEDS .HEREOF. RECOVERY HEREUNDER OX
THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID'
BY THE DEBTOR HEREUNDER.*
Used Motor Vehicle Buyers Guide. If you are buying:a
used v*kle with ,this oontram. federitl regulations-tt- y
require a special;-8W9rs. Guide-to: be=displayed on' the;
ON..
window of the vehicle. THE INFORMATION YOU SEE ON
THE WINDOW FORM FOR TWS-VEHICLE 'IS PART OF
THIS CONTRACT. INFORMATION ON THE. WINggW
FORM OVERRIDES ANY CONTRARY PROVISIONS 'IN
THE CONTRACT OF SALE
'Does not apply it purchased for commoroial or sgriculh,rut Lae, in
that case, you (dobtor) will not asaarl against any assignee or
subsequent hddor of this Contract-any claims, datenses,. or selotli
which you may have against the Sel ror nhawlecturer of the vehkA.
N7Y
tract to the Buyer on credit, each person who signs below as a
the Buyer fails to pay any money that is owed on this crxftraet:..
};'ersvn5 disc ISIMS [rill' OuRranty taM --tjiuafanlor a1SC 40'4e rrabl - -
:saler does one or more of the follvMng: (a) gives the Buyer more ti
in part to any of the other Guarantors, or (c) releases any security. Eac
of this contract and this Guaranty at the flme of signing.
Guarantor Address
Guarantor
Address
agrees a even 1, tits
rule to pay one or more payments, or (b) gives a release in full or
It Guarantor also states that he has received a compleled oopy
Y
Arbitration is a method of resolving any claim, dispute, or cornroversy (collectively, a'Cisim") without filing a Lawsuit in court. Either you
or Seller ('us" or 'we') (ach, a `Par?tyy may choose at any time, tndudriof ee a Worsuit is filed, to have any Claim related to this
writract deokfad by arbitration. Stich ( alms include but are rift limited to the following: 1) Claims in contrast, tort, regulatory or otherwise;
2) Claims regarding the Interpretation, scope. or validity of this clause., or arbitrabilily of any issue; 3) Clairrs between you and us,
your/our ampliyees, agents, euoeessors, assigre, subsidiefMJe, or affiliates: 4) Claims s-arisina out of or relatinli to your application for
credit, this contract, or any resulting trsnstfrfion or relationship, including that with me dealer. or any such relationship with (lord pa'Ges
who do not sign this contrarJ.
n cr,ufel You or we txmoso to aratrate a Claim, then you and we agree to %vtve the fotowvhg riprrts:
• RIGHT TO A TRIAL, VMETHER BY A JUDGE OR JURY
• RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR A CLASS MEMBER IN ANY CLASS CLAIM YOU MAY HAVE
AGAINST US WHETHER IN COURT OR IN ARBITRATION
• i3ROAO ROM-Tt3-pISOOVEWAS-ARE-AVAILABLEIN A LAiNSUIT
• RIGHT TO APPEAL THE DECISION OF AN ARBITRATOR
• OTHER RIGHTS THAT AFTE AVAILABLE W A LAWSUIT
mcgitis eta (g,. Nat Give'LM: if a Claim is arbitrated, you and we will continue to have the fotowing rights, without waiving
tuts arbtbabon provision as to any Qaim: 11 Ripttt •lo Ale banpzy to coup; 2) Right to enforce the security Interest in the vehicle,
whether by repossession or through a court ot-(aw-, 3) Rights to take legal action to enforce the ah"bitrawes decision: and 4} Right to
request that a court of law review whether to arbitrator exceeded its authority.
Either Party must contact one-of the associations lusted below and the other Party to start arbitration. The applicable rules (the "Rules')
may be Obtained from the association,
+ . American Arbitration Association ('AAA"), at 1-WD-778-7M, or www adr.org;
• National Arbitration Forum, as 1-$ 474-2371, or wwmar64orumcom.
It there is. a conffia:beiween the. Rj s and this contract, this contract shall govern. This contract is subject w the eral '?
Act f9 U, ,.C, § 1 et segj and the Ftiffederal Rules of Evidence. The arbitration decision shat) be in writing with a supporting opinion. We.
will pay your total reasonable arbilrAaon fees and expenses (not including attomey fees, except where applicable law otherwise provides)
in excess. of $125. We wit pay the a+l)vghole firing fee d we demand arbitration fist, Any portion of this arbitration clause that is unenforceable
shall be severed, and the remalnl provisions shall be ertforced.
K ' 7e37•&I (qGT 0°.i (Fr•vbu> W4I0ns maj 1vOT ba uaod.5 SEE OTHER SIDE FOR AMMON& AGREEPAENTS
r?: t 7437-I3-3L :r: 1 ra3T pao I
Exhibit B
...PRI
Ford Motor Credit Company
P.O. Box 31111
TAMPA, 1`1-336313111
(877) 349-5260
POJ2W900200027
DENNIS E. BAKER
201 RIM RD
ELIZABETHTOWN 117022
Date of Repossession 0"3-2008
Date of Notice
06.06-2008 Dote of Contract ?
07.17.2006
Account Number 427
Buyer DENNIS E. BAKER
Cobuyer
DESCRIPTION OF PROPERTY
Year
2006 Makes
FORD " New
? Used
Vehicle Identification Number.
Model
RANGR Body
04
NOTICE OF OUR PLAN TO SELL PROPERTY
We have your property described above because you broke promises in our agreement
o?
x PRIVATE SALE: We will sell the property described 7 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 wil l be held as follows.
prior to such sale
Date of Sale
Time of Sale Place of Sale
You may attend the sale and bring bidders if you rent.
NOTICE OF REPOSSESSION
The property is presently stored at Manheim Auto Auction 1190
Lancaster Road Manheim PA
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 HOW TO GET YOUR PROPERTY BACK
less money than you owe, you will still owe us the difference If To get your property back, pay us this amount by certified check or
we get more money than you owe, you will get the extra money, money order before the vehicle is sold
unless we must pay it to someone else. Unpaid Balance g 22,76152
Plus Costs- Repo Expenses g 200.00
You can get the property back at any time before we sell it by S
paying us the full amount you owe (not just the past due S_
payments), including our expenses. See How To Get Your
Property Back for an itemization of amount owing. To learn the Plus Late Charges S 17.72
exact amount you must pay, call us at the telephone number Less Finance Charge Rebate 5 _
above. Less Insurance Premium Rebate S _
If you need more information about the sale call us at the
TOTAL 23,001.24
S
-
telephone number above, or write us at the address above.
(Plus expenses incurred if default at the time of repossession exceeded
If you want us to explain to you in writing how we have figured 15 days and less rebate received after the date of this notice .)
the amount that you owe us, you may call us at the telephone Your property won't be sold until 15 days after the date of this notice at
number above, or write us at the address above and request a the EARLIEST. After that you can still get it back any time before it's
written explanation. actually sold.
We are sending this notice to the following people who have an If you do, we'll have no further claim on it But the longer you wait. the
more costs (including repairs) you may have to pay
interest in the property described above or who owe money under If you have any questions about this. please call us
your agreement: 1) The buyer and any cobuyer named above,
2) Any dealer/original creditor named below, 3) If there are other
people, they are named on an attachment sent with this notice.
The property has been (or will be) returned to. _
(dealer'original creditor)
Under cur agreement with your dealerforiginal creditor, the dealer/original creditor is to sell the properly and pay you any money left over. If you owe money
after the sale. you will pay it to the dealer'original creditor.
PERSONAL PROPERTY. Any personal property found in the vehicle may be reclaimed by you within the next 60 days or, in accordance with state law, by
contacting this office. Thereafter, the personal property shall be disposed of accordingly.
Creditor has assigned to its qualified intermediary (01 Exchange, LLC) its rights (but not its obligations) with respect to the sale of each vehicle listed above
PAYMENTS. All payments to us must be by certified check or money order.
MILEAGE DISCLOSURE: If you are aware that the mileage reflected on the vehicle's odometer is not accurate for any reason, please contact us so that we
can accurately report the vehicle's mileage.
INSURANCE RIGHTS. If you don't want to get your property back. call the insurance company or the dealerloriginal creditor to make sure that any insurance
has been cancelled. You have a right to get credit for all premium refunds
CAROLYN L. CASSICK
rrw; Ines-a7 -n?=r. „ay%0T to,,.n. CUSTOMER,CUSTOMER FILE
Nrr.ro , us..,
Exhibit C
Ford Motor Credit Company
P O BOX 31111
TAMPA FL 33631-3111
877 3495260
DATE: 2008-07-16
POK21HD0100050
DENNIS E. BAKER
201 RIM RD
ELIZABETHTOWN PA 17022
STATEMENT OF SALE
Account Number: X427
The following property has been sold.
Year Make Model Vehicle Identification Number.
2006 FORD RANGR
Balance owing on your contract (1) $ 22,801.24
Deduct: Finance Charge Rebate (2) $ 0.00
Balance less Finance Charge Rebate (1 - 2) (3) $ 22,801.24
Deduct: gross proceeds of the sale (4) $ 14,400.00
Balance less gross proceeds of the sale (3 - 4) (5) $ 8,401.24
Add: Expenses of retaking and storing, and (6) $ 365.12
any attorneys' fees allowed by law, and
expenses of reconditioning and selling.
Deduct: Insurance Premium Rebate (7) $ 0.00
(8) $ 346.66
Other:
(9) $ 8419.70
Deficiency-
Surplus* (10) $ N/A
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
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTYJ? !
PENNSYLVANIA - ' _ O d HONOTA 'f
FORD MOTOR CREDIT COMPANY LLC :No. 12-1501 "UMBERLAND COUNTY
PENNSYLVANIA
Plaintiff
vs.
DENNIS E 13AKER
Defendant
CIVIL ACTION
PRAECIPE TO DISCONTINUE WITHOUT PREJUDICE
TO THE PROTHONOTARY:
Kindly mark this action as discontinued without pre'ul dice.
Date: 4-
r
By:
Andrew Sklar, Esquire (ID# 65332)
Lloyd S. Markind, Esquire (ID# 52507)
Attorney for Plaintiff
102 Browning Lane, Bldg. B, Ste. #1
Cherry Hill, New Jersey 08003
(856) 616-8710 x303/-8716 (Fax)
FILE NO.: FT 112668
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
L L 0
Sheriff P P 0 T
Jody S Smith
Chief Deputy r 12 M AR 2 a AM 10 * 4 5
Richard W Stewart CUMBERLAND COUNTY
Solicitor PENNSYLVAN"1A
Ford Motor Credit Company
Case Number
vs.
Dennis E. Baker 2012-1501
SHERIFF'S RETURN OF SERVICE
03/13/2012 05:40 PM - Shawn Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on March
13, 2012 at 1740 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Dennis E. Baker, by making known unto himself personally, at 65 Cherry Lane, Carlisle,
Cumberland County, Pennsylvania 17015 its contents and at the same time handing to him personally the
said true and correct copy of the same.
N SHAL
SHERIFF COST: $40.00
March 16, 2012
SO ANSWERS,
RON R ANDERSON, SHERIFF
i o: Coun`ySuite Sheriff ieleosolt, Inc.