HomeMy WebLinkAbout12-1502
C-)
-pm
` =c =" .
rn
=
SKLAR - MARKIND ?
` x• T.
Andrew Sklar, Esquire (ID #65332) Wr-
Lloyd S. Markind, Esquire (ID #52507) - i CD?L
102 Browning Lane r
Building B, Suite 1 .',
Cherry Hill, NJ 08003 ? -- -'
File No.: F1100273
-
71
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
FORD MOTOR CREDIT COMPANY LLC :No. afvil 18T M
Plaintiff
TERM
vs.
CIVIL ACTION
SUSAN K HAMMAKER
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 0 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 OS
32 South Bedford Street A0 AY
Carlisle, PA 17013103.75
Telephone: 717-249-3166 C'(f /76o7(p
?, a 101 X33
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.: F1100273
Attorneys for Plaintiff
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
FORD MOTOR CREDIT COMPANY LLC 1
1335 S. Clearview Avenue i No.
Mesa, AZ 85209
Term
I
Plaintiff(s)
I CIVIL ACTION
I
V.
I
SUSAN K HAMMAKER
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, SUSAN K HAMMAKER , is an individual who resides at 801 SAND BANK RD
LOT 15, MOUNT HOLLY SPRINGS PA 17065.
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 May 5, 2010, the Defendant(s) entered into a written Motor Vehicle Retail Installment
Contract, Account Number 48063000000045591849, (hereinafter referred to as the "Contract"),
for the purpose of obtaining financing in the amount of $27,856.13 at an annual percentage rate of
5.9%, in order to purchase a certain motor vehicle, 2010 Ford Mustang, 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
$460.34 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 January 6, 2011, 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 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 $19,200.00, however a balance of $7,948.47 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 $539.63 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 $1,987.12.
12. The total amount due and owing at the date of this complaint is $10,475.22.
WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant(s), jointly and
severally, iii more than one, in the amount of $10,475.22, well as any additional interest and costs that may
accrue and such other and further relief as this Court may deem equitable and just.
SKLAR
Date: February 27, 2012
Andrew S lar, 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.
Date: 0 (? L
Andrew Sklar, Esquire
File No.: Fl 100273
PENNSYLVANIA SIMPLE INTEREST VEHICLE RETAIL INSTALLMENT CONTRACT DATE 03/33/2030
/ •8e61a'/•T000 'LTp (pry Coeuyerl N'wna arp aDaan I nabYp CmnN prllELLER/CA®ROR aaear H.me as WOaaal
aan a Rpaoatar Family lord, loo.
Ol Sand Soak M 15 170 lbrk Rd.
FL]rdCredit tm 10614 717t1I1B7, PA 17065 Carlin(., PA 11013
I COOMAND cPaaty
rWYr W.f01'eCr6dt. e W II
bind dn-
b.lPw b NM p an Cher. TM taM pc?1 In /ram Mew, p'dNM1 P-' TIr mW, Pis la Yw, MOws'r W 1 i,r Nwu 6r YYNnY IM apWKt'
ahaaa a M vaaYa M ra? ?rEp tlp w?nanY T pa Wn sA rXY,. ark mripa.
N-h.WRI I MI I.. «d arks V ranlnatbn NurLp use Fp'Mr,h Pwwpw
010 It1117A1R 'AILI P-4 C ypdCa0ra.
a a u co-a
ITEMIZATION OF AMOUNT FINANCED
1. MhPHw....___....._._....... ......__...__...... .__...... ........ _...,_....St1105.00 (1)
i Own Paymrrt
31750.00
TIJ
R
A
A
a W ea
P
ra
a
aw
agra
«...._.__.._ _. .......
pN
.
t ??
1 1009.00
C
n O
h
na
r
_
a
wn
? "' 1!612. C0 ----1013.15 1/A
TM•YI IT31O _./ 37 3
Yap ar WN. flea yloarv M,ux axYnrl
Taa Down Peywnt ____.._.._....__......_...._.._...__.__.._12760.00 (3)
a UnwM ewaa H Gsb Ppn (1 mnu YI ._...__.._.__..__...116]66.00 O)
l Antpuab Pad w yw Earl fedbr wT b raalAlrq n w+ow a Ilea smwaN
To P.MI. ONWWI.
(9 br l- IS a/A I. eel (i .2.60 ). a
ra
ra
waon a
),
g
Won
GLI I« wa(nol'ur Cam pdw) 1 s 111..1
To n- CereI n,". for
Cf6dR NP IMYMCa ;Ior Nrm a cw1wo.,_........,__ .............3 11/A
Craft pemYNy rwrarYee pa trm a cawPCO..._....._._s a/A
[To. __ k
l
p
a
N
3
1...._....3 -IVA
WA
M
o
m
l
N
?
T ro TR Lana 7AUI?.••_•_+ 1431.16
To N 3 WA
TO w 1 LA
ao
?`
;jB?Yr>T
,ppAri s uE
riap For , ao. bp??--s 160.
TP M _ 3 1/A
-.....
la f 1/A
To
To Iar 1 NA
--.
.. 501.13
a. APanf Fkrnnd i3 pi- y._.__.._._..._...__.._._...._....._23X46.13 RI
FEDERAL TRUTH4"ANDM DISCLOSURES
ANIMAL FRANCE Amount ToW of TOOT Sop
PERCENTAGE CHARGE Pinonond Payments Price
RATE Tro,._ T'amw+a
a?.lu mpYa.1 TNa.mown
4 mernr can
d
i
Tra aata Ymr frgrt.Yl
ra Xaa« w-an ym
oatl n pw
p
'
rM n • wuty rda mn Yw Hut :lase Ira ???ar
rawrnnN eienrWy
aKynKvpa
a 31916.15
5.60 x s62a1.7S 156.1] 166.11 r ]6461.67
e
Manhrah,w?4 A.. ... _ (r0.
12
Yoe Oaar•M OA
4u
RawYwM: I you par pn ywtlaa wM. X+ ar ra mw ro paw a paw'4.
AW Faia n da xacb Pehy purcruapl
Wamy raaw: v xrv a+,p o ,pw
p
o«n wlmom mmrvac i.apnOmra
dL.w?a un Tre ariNP is G p?.r aar?a x,?i lap m?wx+a
gr
OaNrasr: P .aa Na oaM«J br oddly 0 Lr eMm 2 =1=11=
N m rwv+pn n
radio
,
paarympa PpaM
If you d0 not meai your contract oblgallom you may kse your Yehkta, as well
as hoSr W+t3 .
and goods put on your vaFlaa u l muriPy or gu ds ,-wd Iw
y- a
..... INSURANCE
YOU ARE REQUIRED TO NSURE THE
VEHICLE. YOU MAY OBTAIN VEHICLE
INSURANCE FROM A PER" OF
YOUR CHOICE.
UABILIT• INSURANCE COVERAOE
FOR BOU LY INJURY AND PROPERTY
DAMAGE CAUSED TO OTHERS O NOT
INCLUDED.
CREDIT LIFTS, CREDIT DISABILITY AND
OTHER 0?TWrAI INSURANCE ARE
NOT REQUIRED TO OBTAIN CREDIT
AND WU NOT BE PROVIDED INUMS
YOU SIGN AND AGREE TO PAY THE
PREMIUM.
Credit
?Lge
RaIaelYb Wmpery
S `• 1/A SYaan S Iloalwc
Pnmiran IIY a 6
You want Credit Ufa Insurance.
Buya Signs
Co-ouler Signs
credit
? DiataRin
hWaance CanpaYy
E YVA
Pranlrrm Insured(.)
YOU w'4re Crodil DWORly nNeaIC0.
Ruya Sara
co-6uy0r 64M
DTHER OPTIONAL INSURARM
CmWaga era
Twrm Tom h 1 Rn
IrNWAIIN Cdroartv h AroneN
S 1/A
Sy
3 a/A
SY -
Ym nwa th. apt" ipurarca br which
pranums aN ncWad move.
Buyer Sq-a
Co-
13 YPx W1 I WW Imaa 0aYwa u *. N. wand r a brow pay w i c rb n er crax o reaq Inwaaa an
EYC[IM WEAR. L AI WrAO! CHAa0E5 b M rm a ur epraracl. Tha arApmt aN
n IM tea awry arms N obaa4 Tr aaotrw, Pda7aoN e, Prrd hrapnoN c a wan anaynr r naNr « aeaawra
(Nan ro V. r0aY.
wN ee vw W* Ym may b ehs9nd for mcaaM ryw bleed uuppoonn Iarrtlarda
br MO w.. 1 yap wards Ins gWOn Mryp.l the whkie IM b 3d3er argue ? oaa rawYYen wNar aaaarr lopbwp
Pbre0raph R, yw moo psy SINN Sa pM mW for aacn mile h axap r vao oa a Phaded you MIO Put -
of __.. Ara s- w 1h. advmNr. opwNryan wNw. Pe4aw d odic w+raga w
H the a aor
the oafnct d OPTION CRlOn gv'YUn erg 'a fo1 raaaYM ro oWM CredY. TM
rrrrnr dinemmta..d Mara)wnTaaaplwW,r
N w m+raaN d blmrl PeYrrrar/ Ir trbCaW = dial you tow
araaaaa ydr npbn ro tail fa abet I. Ne Colt uwer B, INa 'e a bM n Fro Pwlad Awarnm wrAm r
p«Agrpll m 41 b YWAw*40 At tho whodar and al NN -:k m M yoopparaw arawa.c Tea Prba a on aw
gook's a _ a f0. )w unar MN 1« n nrarru« a unxad m W aaxaawaa«Y NI bnNm rnamr in the
lonneei, and r'aaa, lac, -1 amore Ym +amNapmaapwaPiwcM''//urW, ion//i.
b lk c«Ad Ym 1 na eCpy. pry Bad V w yaaeN N ba..Yaq 1%* Hf J7C/Dll7?-
?lad $dY die/, « ym aN F daW L Ym wa m recava arty arY Y nra crva r ?yay
AaFTHaN Pndtlua(Optrna)
? r M. Ooa is glr.CkW yw purdiawtl M an4PaY potlua(e) YWtl Iwbry. Tb pucNSaa a an4mwA protl.cll.1 r oli r'd rw aydrcd
r corm andt, avw it dr padud{a; is aYady howled on th..*J. you nlogW. Y. mey pachae an3ONif pmd4,) from the p-
M y0U Chao. By eying below. you Vft to pueilese the a"eft pmd4s) st the piton dsdosed
e? Term
f _ To.
i To-
BPYV digs. x
N0N'MODa'1CATM OULOSURE
Any o" N r,a mnna msbIn and 6gna! Ey ym as D• Barr,
YOU ACKNOWLEDGE F THAT I YOU HAVE READ AND AGREE TO BE BOUND BY THE ARBITRATION PROVISION ON
TN! RLVlAt! 810! OF TH18 CONTRACT.
The ARnusi Inion-cage Rat. My be negotlAlM with the Satyr. The SNWr may assign IN@ contmet end troy retain
ks doiA ro rweaa a Pa lw of the FII Charge.
Do not sign this contract In blank. You are entitled to an exact copy of the contract that you sign.
Keep R to protect your legiaall right&
a-W Ce•8uy« x
VA. s g.a
Buyer (and C"uyer) acknowledge OW 0) before signing this contract Buyer (and Co-Buyer)
retehrod end rovferrod a true wind completely filled In copy of thle contract and (u) at the time of
signing this contract, Buyer (and Co-Buyer) received a true and eompetNy filled In copy,- It y7ss
contract. k A/ '
-)a,dlY 7actlr Iac. I a
Sr« er x TRW ? ' `
THIS CONTRACT O NOT VAUD UNTIL YdU AND ELLEfl ON R.
Garr aw 4naW rr ambwf 10 ?W awe law M fNNrh Ngb, pdWapw, dirt wmrra ay awN baps. w
mar..rorr Fist ee.a.n (' A«gn..•D
T cpnrxl eaY -_- . ar .rN avN. weal. a
?w I*wr+r .r nm rwpr 6EE O1rEp 6iOF PpR arxnrora+,L AOrnaNanre
rm. ioP ORIGINAL
PLY I - ORIONAL PLY 2 - eUYER'6 COPY PLY 3 - CO-BIIYEaa2UARANTOR COPY PLY 4 - SELLER'S COPY (NONTRADa Ml LO
My
---------------------------------------------
AOdTAN11L AOREEMFl;TS
A. hymM•la aN 6ummary NmkR Yar rxn' rWku H hY'
m y $ine?q ?priI H 'INak J NrWP mmm'arnir`?raM?irv.
Myl r? YArWnr#dwrpe Ter Ymn
Mrar W MY xW awMW m
DaPmm?l WnaIM YM xruY MMNn [M1Mpa nW mn ,1 YW
Wt bwM Fryww CM pr f pr rwls yw ISkMm••a b+W ?YVI
An wneOWM H•ae, a N Mia rorYn wFrXklmi mNan Ywr
PAynrpM nW tW apwd lint' w r W MrrVrl,rW rA•PNn'u0rl W r•Y
F.= P xd IMn ro Mn nrDaW AM+rnr F1YxM. IM
Flrexw Crop N MrrrpN W epM+M ra Arlwal V4avr'aappvv
RaW'n as rprAWr ar.Ynr HnnwM'a M n<wN prW as da
rrafyt ArW4M frAnwM a a!Wmary. V W wYrJn W rryrm.
stsaad. YYnr wN M: Mw tlw r!ali In rJnWnrv'M fM:m[: mMna
Pn S4M non
N. IWAamn PAymAM Cmwncla: V Yvan wo-Wprkr' VYyrwnl
awn dk"V, naIwbor w-
rl'P aa':mC1 yny prey IrNYpe :M LVa IrewanM+ peyrYVn' :n
pey .1 nb IIaK
mm n .mve wn'/n
a: rI1, iH! ra'p yYw±wna nw 4al YMrMYnMN
?4'rta SYb ney ndFM•a II•rr lit: wpAN•rYr^, ieYw4e nrxaa
- NMYY atop :Nt meyYm. h :hn RrIFm I:W aMmKOd
w re'Y MradY rm Mxx' PAy M1IeA VW $Ww mdMn
rArrl b.YM• tlb0 mwrpnv'nb pMI.N Nnwxcn aaal'F
Apart so. SaFM MYfIV'lnrr!W y IIW x MD-wAWIN
MPIiI Iw :M relesnYYry:rAw w rIN WmN tlMMNaDrn'vl M
M MMr pM Me SnW f• h N d tM nrJWnr.YW w M
rot Pern::M M he. The M WM d 11e rYmrnrKY'SI A
M wind m. W`MNx HOW- reW,xd iM YMMm:4!
Inter A._ .7. rP F',lrw.n.:wnMH?d iroYrr?mu eo' ?
1 1
Pon waw M ramM a Iw her dNn a •JM IM, MuPeMd
paPrmw gMrMM, ma nvlrNrh ;rapn.rl MNwnr Y.NI M N
amrer MMM W 'Wh M rW Mnrrrcen Arrpryr vWFW i
eereYrs rA nW NM rorW W Gy loa. MlWlim,w, yaPM:i N ywr
wi.r b rn!vwVM. You map m:Yy Mw 9Wn m od W Eacep V
64:1 WwY w Ma xAnelrr, '.M fn,yw rwn M uWWI WJ w 4:n
YVY W bw Frwr b Nn nn mn a1 •M M4 nfkbrMrY Vnvrw•,
IrriFA wN b?W Mmnm pYynpn• Yr ry w mn S4k W y
1.Nx dmrwn. nwM rota Mn aM.cl Arwwa Yml WY AN Gn
easel. - Perl aw W va:rMn xisyr'. Yrw 4.w verf. lwr'q
h RNW W a¢:MMWd ca'A m N rgvb !0'.M rw'YaY Il M an
M ntuX n''haw wwr and uw a she.' d lwp. vM mgr.:
hwa ra
:F?r I t- 1:4. aWwe IzlM FY Inc S:JW 'Yr YryWpMr?
rn bwr S YWrIn !F4 bM JNMr•. wveNM a.W
Aiur YYa maPrraYr. /yes Tapp yr yr. YW eNW.M :n Or
It.
$Mpl t #' yym rJR'.rr Nw SeWr ru ua .. Mti
lar rrxlNrrwn W: h rhea A nW1 M c 7•u:r:
'AW w1•cM1
pnA drt Seller • tab. a,•uwa rw IaM w Mr r. rwW'n
her Mabrrn't YYmm4nf In Na SwW M u pram MVMNtl nY
W SaMr IM -npedon, 0 PnI4?'r[nGW rw w>eN vreNde
M YWBnWr'pel mYl McNel4wN• SMaeM
p IWAW W-
,. rrM:M1M SvM wool 1n rM-nme IM Ief•. Ywrntrn
ymM
C. w"c' "AW W=I=
-1 N A "W" M u4Veb GmrA b
YM mQh antra ,W,,,AM R, you We
rraParwfY ex IePW.t d
n1 amrtga r0 Y. wM1rf01M1 We M::M raaW d Mrl•M hen
AM Wm. TttwIt rnpAU1 rnLaln, pW M, fM lh*W,I I,
'Mw
my M:
i9 rWxxN r'.n na wnrne nWNFny MIa'44rw arry We
wYbF hM bon Rx I.P rM n' rwMm,p YAN
141 rmwY MI rM4herM.l
dMd"'eda, .
riA rnptn n rnPlrrci aN U aut'.:NW, [ryPW. rr E:[tl w
M1araYwnnn any pYrMa, pNe' m wFWM 9mlwcc.Wr rmn:.
eY UVrvatl. wiwhN ru[rotl µ'cM, wan a nWWrq ;Am
M -rip wax. YN ramnFM, GwMtl PAN b wPAM yratl
aY NYYM wYYrvA•'rrWWer,pa AY Gnra. wpereM a•a/,'.t:
YY Wnra•W nLhvWWna; At bWror rpr auwx. Nrw M
hen r M xe K r.rnyer w^:? wvultl M mrmMu
r: biro w rnnPpFMMw w u wM1anwr m m.
MruMr•f«'N Feawh n nrf
tl ywr I..wn nn nYrw l, rnP4n hpw lalwrwr N Nw rnlrn'«
-rhea 1'aryFw B, url mm m[ !f#M'M -auto N MSn
111. Har I:nm a A IO, nWM PMr mar tW nl Ym
velxllm :v IM SHM 11 Ir mu+YAUgmr wMr d4 rnaM?Wn w. n'
rcpaMe. YMr nnY Mw :M rnMln mna nl yaw xMam aw v
rwn yMb W av nNir1A w :!v hpw
D. FetwNY InM.N: Ymr aYr•M d' 9nW n t-.1-ect -
MwNCbm Ml v:awes .YrtH YVn p'de whic..
P N rarw`Y sv yremn .[MYN b rw nM
d. Al w_- Drerrxume oM meeAr _W,% W, NM karwa rm
YM-
y mw rihh Mia 00neta.
TMnMAeY aHalrMUnb a
R Ybp MCwM YOU, 0W MFx prMmonla rr q- CpMri1.
1. use of Vellkb • womosH, Yar mr, :nM eWe a OW
vaGtlO YMr OMY MI INM e• wMq r•. Yes may r01 ¢rN M •xl P•
wM1M!u. Arta ypu -hers, Y'eP f 4M Iram'M [WNnf A' c.M1pro YWI
rM M'. rrM a Dexa :M W, N M vPnOa datrW M'M UMbn
RYNAC. plow: IW tm :n A days, w Cmw4 a Meets. WUMU:
`'n Nm nrman aA'aar" a rW Saw. q IM YWkN b a Y IYp
M.YNr Y.ed w phew au rM Ale taw.. An
rWkr•.xaAebnv.,.x.M.aarinmN.lHee a. Y40
canrKtHmbrp n.
PI w Ime nINrMMYH M rarolMn WA.M."WYI
A
lAb NnNp4 Y W"A" aan.dbY *dkW
MIreM ler A Y "'W"A" eM NwppA eseerlnl an r.
_VAAlN• wawYauMkW. A. `O, 1M epM I Ilrero w nA `.
ImDIIN e Wha u aAHwNc aevwH M kn.
C. RaYrrrrN Me.,- exnarm• and $-W. Cmmeet
ClraryH: 'Rif cOr:raG may c4r'#Ir GMlO,r la rrn ZZ;
t-I,
wNift camnr I a nlM1w cMYMn. Yar nyrw r1•.e :M 't-I,
!MIMn
wrrpllb rnhkr IY,w 4anWan MW 1-
e We MrrMS Fwv I4 aMm re, C . Yraa hewn,-, .0
r - xMl yM awe. N VIA $41ery1 rMraW rw. W_-
W___, NN FN.wrrrlrnenc,," 11
e". Ymr awe. IMMeI •MV 1 _. I'll., MM cuniriuI Me
ryN¢ My rnIrUNYrTJ rnNmM nW ne MIO b ytr?
H. wahe,Ymr Aa Iw w rer:Yrx. i
1 ,W On m,rnMrho pe,-!wrWn It
i¢ax;G
2 - IMw IYNO w 1•xakaarq:rb-m Y., G.Wv
xAAeW_ __J In MW ax'yM!: M
i v wrAe M murN M xr a4W 1 e:Me 'tlNwnl
eV1M:y aM is nK PMydr mJ urrYeneANbeOY mIPr4Y
a. V ,rr?tle a Mra'rrWnM yNWm t :wY a0ebnl am: fr
i Vrw M ml YHP anl' HM Pf4r• e:1FM eOrr.r'0.
I' yvu Jav.Y MMI SV
ruv SsrW'a rOt's rnwr tlvr
aWrx'. rtnd soma m1ar?'.¢`a"'arr'Jm k'a
µer rc
L R•p .,W1W:: Y r aWrn:. tlw WAH mcy,MUH
px n: oma mP NWNr AnnrM F'Mr[M. If4 MMrM Ym rMWtin
w . a :M TxrAw# cA«gY xn a arrw Anxur:a run, IXew• rW
m:. $MPN
•Abm ylNdI IMW *W I O i. .,t. , M w ;m. SMMr
? WoYa W m w H,W whIXW w'rolMnn[[[nV
Mn Vrtn'm yap
rN aaW yurA TiwYS` 1.- mW .1 O,W .. SHp•
w'I MAYrwwmm
AY
IYnIMrY_ f)we 11x vW'IlM. N. _ - NMabw Vw_.
x wu av ra reabm hw rM:rh. r wR M tad.
Ypres a wit
K DbpMllbn of Ilelor V•AIPM: p •dn rarAw 'n uMe?r Geri.
tM eM, >M mavy eM IM eWO. Free aFOrm,J n+IWrfs¢. wrl
M wen b Dw Nw 4MUrrl aW mvH rc IM nrrVerY AgvwnX
0. "euW inched, dew P H v wtr. muN M Msmy w rMndt
No W W naM [, .. ,,V J Ye
'.W YM o0N Y IYYpnn'Ju
Ytvp'e Ines MO cwM Ma 4Mw.!. ew. A dma V. arr
4,,V
rNYerl' b': a (MnpWel. a wN M fwM :n rrxr. Y w Mxrwi 'raw
NN uln q nM 4xenyt k par nrl :Yin [m:.N ant pNpn, y44 ,N
qy vrMAUN YWNMMt SANM II IYn'MrM pct l?n AnrarrM
MM tlWF nada,IM SWWI nnY Wtaa WuirarrM',N mn
Fyhat' WviA rMn Mxl Vw ay
1. CmMaYmn C.N.! $MAM H MN[rxrM Pn'MrN nY rµ, ynY
w .1.-Y.. At
-elrarp aw[an aVnxasa MYypr¢ rwr .v,l cnn• WUaI
4fi,nartr.
Y. Ca— MWe: Yar n.,wuo Ira A..'—, n ed'r Wa
w a mq uwu-. M a•.w' amtre•w fnH MPY°. YNV res.
nwrnYarWUnyxa«u ?parw WrHanl'av ant renn••n art a
A v rur rn n hew her+• :fk erubAG.
N 6mbNymM DeYNbn: rwrapw:MlGmvrn. Gvbror
1MIH, tpnn trW IwNra nrcvexW mny mnww aml -Man
YwMMMnaW rprany Yab x0ua11 :e sawn' Yw MNIir/ M
nMneaMbawr Hcr Ymratoagrra¢eq mesa e!nM
nq:M Ya CfYer CMUhM/, WHn'as. agmm urn wrNCu
pmrWre eNy rqa wYMn. WMUank M wmrrl nrv'.a hy [Grunt
M.11'ItahW% -Next. prn Nul n MI b. rAr'#MM
^Nwry mNFn01 evYrur
. rrvArr0ld M YlMw
bbl vMm nMaaegrn Wxl
ape• nrnana M••Wn her: roWphr• a4wP aypamt
a nqM Iwr CNwvn, CIedW-6 M!un!H. nypMe YM Hr Wnn
pnxMnl uvty We MY 4ww +Nan' M :ry?#Mprn[ m a.r
YM P,M mn 1 •Je'Ywn, -• Wv r Av A rwprinr
pxmt w Y'Ap rMAWay Mve.e. wyMwss nl M'mtm ynu'uN:ln
efa.oa H • rearN.
O. AAWOWOIA I,ASr:Ymr[., vi lla mnbxr wN lw gMar,u
eY :M bw a AW Won N V[r...... n.
P. GW,_:We_.W,
cpM4nn lfe tn',rn ngMmunl MAW'r
Seal AM YM urbdrq :u Ow aWn MW W.Sr4irY fA uM M„av
wow, n nM VM d Yes arrlM M nrr vtXO. eA n:M• a4n n.Y
MH I' NnYrr MJw". WfmY' Fnani a hymn mmry Mu SMn•
an ?n! MYWm W.nr. FnW wnexarh+r#n`Ynibr'amMn
,' NN W ?ntlYarne: paymw: rNM 'n w: M a unNMa
MIS A;4Y'aM nw n.55 n IN Eacrnr?p•. n la nipiay
nnYtle+ ?l w'YF?nepw?'n YV Pn•[nun v'd NMMknN Ma ,
-,rya ncYnpn«npae mu M:abu nn.arrrm, ar pu h ?,n
Ma Attyr•H i N ant x her w aaigWrn INryrr wu
MaMt b YrM nutWY[Ynn Yfpryrn•n. nntl
eeaya Res gMtim rp MYa n! ant u,cr'rtsMprmrwl y
AMIpW M yoM eNa YhngA Iraen rro1Yx b Nuya. Ilia
[nnapl xd mpn NwgMaYy fbexe MM YMIyMrI.r'. d IIN
aeCWi:y -NraN n do vNYd' SNrnml prxwlM x ihw oprm,'!.
rnfMM adeMW ba•
P. VAM1IDk alaurMa: Y. map +mart It.
mnH Fan caeumr •r me as
!lutl Nfa iw,e eMM Ve a rte ymcY?11W Pep., ar m
dmnYpdoe.!ddoor Iypp xrl M'evnl Yme nl ?nsw ey , tlM A lna BNMr wMI t`-isb Iw,
MaboYN, mrNl p hell
wN.
a aqM Ifni :M SHOT con mw a cNxn nraa na Wuaen
PYGry. YM IaNMH DY YNwbrra, OnrWYM M _,W` SNa
ant NW rnda: Rrllw lxyavH roalnxY M AAW. A unto. YMr
mutl rNe ra- wectede M HOW, NY wl':w unMM VA
d,-w . po W,w* b cwMyt-d ? vA ant N w a--"
to Yle -. - mrn+lennd n IoYN YNa, you nere: uw M
hAI- PaHW b per wFx yes DwY 11. Stdcl. II pw
-.I- .,he wldn o."I" cey IN rM nnA. Ya rNrn pay
mW'.le Rq Wxl.
W MAM
'fu-saw Yn SaW MaH•M rWMW axrAWOnn letrtml d ew mVbAWMBW Nrm Me. pa, Pam MOfgm GWUw aaA
OYwe M yrgrnrXaa yM PaYrrxrrrl A RN mArlrMa. TM rvwy i+nl "IV iWa b Wy arT ^+[MY rn: It wren a' 1m an'm['.
naM prwn hero ti0rn as A IPNrm W wO pw it Maw Yf4tl. E ar Mr wM AkrW Mbn ayM? :M! M W M Wdu L Ys.
S
ardWArl mnM x N one a eras dllm wrsOrY Nva Npla X'b DwragY. EtN OMranla M4 veyoer M M MYY Har p IM
Seem
W dYa MN M Toro n,:M INPi1p lal Prw de YuyM m 10 pay hen w rvrre mlyma•#. a.r glma a raywert V IW a
EK!•
1v Or n iota A, It. ;I?r d ilpt Y McwF/ pMraMa aktr SM.W Mvl h4 Fun ruavna! Y mw'punrM rMry
al lb an'M?`arp
? F M Y
ARS"AIM
ANYmrb W n mo'AN a mawy mr ant WPUN m aMW+aM (aFNWYIy, Y YAN'I'I wilare IW:y a nwwn nr c,ur 1 rra
' 4r 9Mw I I A) IMrA. a'Panl'1 oar q'nHa a xY Xmn, MMYp M rp'M b tywl M rmr ary Gl r rvwWd nd 1u mis
wNrw;Heft m.SrrNdnN'rewOAVW MnM:Pmbab?n !OMn1rP •1 (}Ma Mraf•KM.!?NMwy n'
I lb rnyMAMp Rn,H, WgxvMn. Fax, w vrM1r a !M Whew a MNaaney a my Irwus: 81 cl-Wra M:wMn yvr w? uE.
yarAM mNwwmta. rbxW. attryw wpVrie4 M aYaylw: .1CWme ahbp mn a a •'IrYW.'# Yr:rrr a•Wi¢.Mirc IM
.edll.:rxf OOrIYap, a and raprgrq hMWxbn m rWNirhM1p,'rrtlrn!Y. PM wpl. pW <NYW, q mY qiM raNrvnFip m!n :Nal Varws
hew a ra wd^ xR MrMa
v Mies Ym, m w Gv.xa M MMNMe n AMp. IMr mr pw M Ax. •a hew he
MYMwMD rhynn
• ,CW TO A F ML, IYNlTNpI Iry A JU0860R JURY
' • RAMTO ?MTICMATE M A pA{1 RdRR1NTMIYC DIl A CLaBA NAMER IN My CLA6i "AIM YOU WAY HAVE
A"e"A" Il WIIITN1p p C01IRT OR N AMITRATAIf
W ALAWYVIT
OW T
• l AMS IO DIRCOV KI
• OAM TO EHAIPIfIf " t'HTNN DECISKM OF M ARE
E AVAA. ll AR TOR
• OTHER ItIDMT{ THAT AR AVAM1li W A LAWWlic WR
Wn? AMMW AY la I I Hal b da Mbax- I-rr manta,! li #M # Mru mo'dbwiry r!firH, xJ- ..",
Ha u
n w r .n ) Or r 51 !u a•Aw#:M wn.ry WMr'n•. a rtw •mna4.
narmm M rMYweun rqf n mm a Ines. al n:qq bqM an:o- 1P x•acn rrf Menders nxairn; nM a. rr?ll M
-MUM iw: a our M bn' raviM x1Ww M' MMww ,RNm4el Ya :Aryna,a. '
Yar rwr a- A. m 'NCl'n v hA pM.ma' .-0 ' M nn npwnvM.'IM iwwaM• rdtlr It,u '1y 1-1-__
j Nan Me ¢•alrnlM ayManxn V Ilan x n -M. iWeexn We A_ W" Ho aM - Hi; -.n away -., 'em, nrr. vN, n
..wd.." E1 .__q. f_Rwaa O'_"hA MGIrMy+n_A_ a MN lW :n wnYrq
AppkNwl awrnnw-xr bl f 17r Yi` /eR`r`M p en r Mtu^ anq M .m` OawM wq:rMyv hpY Wrx. ' rl•.'M
: aMr «wHr mt'. la urMdrrfwnM v.a w w.an0, rim 1M :nnawev mhwmn n1#I va nnbmrA. i r n Y
nw nr na n rhea.. nfr!)a HYIY imF YON faNfMYMy ndaA4FNrp
O rwm awe4 :errn2n nu
a RCAPENDO ROY
as000ty90 +a
_.___-._,_...._----------^---
ADDITIONAL AGREEMEWS
A. Payments and Summary Notice; You must make all pay-
ments in U.S. funds when they, are due. You may prepay your
debt it. any time withour penalty.lllhis is a simple interest contract.
The actual finance Chorea you agree to pay will depend on your
payment patterns. The actual finance charge may exceed the
disclosed Finance Charge It'you make your payments later than
the Scheduled dates or in Is$$ than the scheduled amount Your
payment will be applied liter to the earned and unpaid part of the
Finance Charge and than to the unpaid Amount Financed. The
Finance Charge is earned by applying the' Annual Percentage.
Rate to the unpaid Amount Financed for the actual time that the
unpaid Amount Financad Is outstanding. It the vehicle is repos-
Sessed, you will not have the right to reinstate the contract unless
the Seller agrees.
B. Balloon Payment Cgntraets: If your last installment payment
under this contract is a balloon payment as Indicated on the frond
of the contract, you may handle the last installment payment in
one of three ways. ,
Fib you may pay all that you owe when the last installment
payment is due and keep your motor vehicle.
Second, you may refinanav the last installment payment unless
you are in default under,tdfs.eontract. if the Seller has advanced
funds io are any dot" you must pay back the Seller before
the refinancing. You ate must provide proor of insurance Accept-
able to Seller before the r mancng. The Annual Percentage Rate
(APR) for the rofinancira will be the lower of the APR agreed to
oY you and the Seger at the time of ft refinancing or the
maximum rate permtttod by low. The terns or the refinancing will
be based on the amount refinanced, the rate, and the amoum of
into-mottthly.psyrnent."rW refinanced monthly payment ahall be
.11h¢skameas In cl.fi.me rallhanoed amount will be fully
paid within 36 months of the due. data of the last, wnstagrnorn
payment. Otherwise, the monthly payment amount shall be the
amount needed to fully pay the retirianced amount within 36
months of the due data- or rte Last trimilment payment. If you
wish to refinanoo, you must notify the Seller in writing. Except as
discussed in this section, the notice must be received no later
Map 30 days p4ar to the cb--& d&t*4PA*4ss1 installment payment.
Third you may sell the vehicle to the Seiler for an, amount equal
to i s last Installment payment, You must pay to the Seller any
otter amount owed under this contract. Amounts you owe will be
based, in part. on the vphice's mileage. You also must pay to
the Seller the estimated stoats of all repairs to the vehicle that are
the result of excess weal and use, as set forth below. You must
take the vehicle to a place selected by the Seller for inspection
no later than 15 days prior to the last Installment payment due
date. After the inspection. If you decide to sell the vehicle to the
Seger, you must give the vehicle to the Seiler no later than the
last installment payment due date. At that time, you must atW
give the Seller a title, which shows no liens other than the Seller's
rem. transferring ownership to the Seger or a person selected by
the Selby. Aber the Inspection, if you decide not to sell vehicle
to the Seder, you must inxnediateif contour the Seller and Inform
the Soler whether you want to oolinance the last installmord
payment.
C. Damage Repair: If your )ast installment payment under this
=ritract-ia 8-5tatloon payment and you Sell me vehkse back to
the Seller under Paragraph B, you are responsible for repairs of
all damage to the veh 11het are not the result of normal wear
and use. These repairs) Include. burette not Birdied to, those
naceasnry to: i
{I) replace.any fire not peon of a matching set of four or any fire
which has less than Ile inch of remaking tread:
nn repair all mechanical defects;
fe}tapair?r?epla0a-aN-C1a(+ted: scraldfe0. chipped, rusted or
mismatched body panels. paint or vehicle identification items;
All denied, scratched, rusted. pitted, broken or missing trim
and gill work; all soratched, cracked, pitM.or broken glass;
all faulty window met;hanisms: all broken or burned out lights;
aN -elecuonic--meNunctoras: all-rrterlor-sips, stains, -burns or
wom areas; and' all damage which would be covered by
collision or otimpreh live insurance whether or not such
Insurance is actually force.
If you have not made the repairs before inspection of the vehicle
under Paragraph B, you will owe the estimated Coats of such
repairs, ever. If the repairs are not made prior to your Sala of the
vehicle to the Seller. If ius=P*.3 =,%I the e stimated oozes of
repairs, You may have your expense prior to
yoW_sate of the vehicle the Seller.
J3. Returned Insurance Premiums and Service 00"Arpet
Charges: "Kris contrdcl may cortain charges for insurance,
service Contracts, or other contracts. You agree that the Soifer
can ciaim benefits under these contracts and undoes prohibited
by law, ter rimate them to obtain refunds of unearned charges 16
roduce what you owe. If the Sailer eats a rehmd on irwmnce.
service contracts, or other contracts, the Seller will subtract it from
who. you owe. Once all amounts owed under this contract are
paid, any remaining refunds will be paid to you.
H. Default: You will be in default 0:
i. You do nat make a payment when It is due; or
2. You gave false or misleading information on your credit
application relating to this oontracr: or
3. Your vehicle is seized by any local. state, or federal
authority and is not promptly and uncorlitionauy returned
to you; or
4. You fife a bankruptcy petition or one is filed against you: or
S. You do not ttesp arty other prondSe in this contract.
It you default, Seller can exercise :.Sellers lights under this
contract and Seller's other rights under the law.
L Repossesalon: If you default, the Selle?`may require you 10
pay W. once the unpaid Amount Financed, the earned and unpaid
part of the Finance Charge and all other amounts due under this
contract. Sailer nw .mpossess (take both) the vehicle, too. Seller
may also take goods found in or on the vehicle when. repossessed
and hold them for you.
J. Your Right To Redeem. If the vehicle is taken back, Seller
will send you a notioe. The notice will say that you may redeem
(buy back) the vehicle and will explain how to redeem the vehicle.
You may redeem the vehicle up to tlge time, the Seller sells it or
agrees to sell it. If you do not redeem the vehicle, it wig be said.
K. Disposition, of -Motor Vehicle: If the vehicle is taken back
and sold, the money from the sale, less allowed expenses, will
be used to pay the amount stilt owed on the corlow. Allowed
expenses include those paid as a direct result of having to retake
the vehicle. hold it, prepare it for sob, and sell it. Reasonable
lawyer's fees and legal costs are allowed, too. If there IS any
money left a (surpius). it vttl be paid to you. It tt -money hp6__.
the sale is not enough to pall aft this contract and costs, you wit
pay what is still owed to the Seller. If you do not pay this amount
when the "far asks, the Seller may charge you interest at Me
highest lawful rate until you pay.
L. Collection Costa: Except as otherwise provided by low, you
must pay any and all expenses related to enfordng this contract,
including collecCon expenses, lawyers' left and other legal
expenses.
M. Consumer Reports; You authorize the Assignee listed on eta
front of tits contract to obtain consumer credit reports from con-
sumer repo" agencies (uedit bureaus) for any reason and at
any time in connection with this eomract.
N. Servicing and Collection: You agree 1hatCredhor. Ciedrtna s
affiliates, agents and service provident may monltor and record
telephone tails regarding your account to assure U v quality of
our service or for otter reasons. You also expressly consent and
agree that Creditor. Creditor's officiates, agents and service
providers may use written, electronic or verbal means to contact
you. This consenr ineWdes, but IS nW limited to, contact by manual
calling methods, prereoorded or artificial voice massages, text
massages, smalls and/or automatic telephone diallrig systems.
You agree that Creditor, Creditors affiliates, agents and service
providers may use any email address or ary telephone number
you provide, now or ir the future, including a number for a cellular
phone or other wireless device, regardless of whether you incur
charges as a result.
0. Applicable Lew: You agree that ibis contract will be governed
by the laws of the state a' Pennsylvania.
P. General: This contracr contains the entire agreementbetwsen
Seger and you relating to the sale and financing of the motor
vehicle. If any pert of this contract is nW valid. all wher-parts stay
valid. It Seller doesnt enforce Sellers rights every time, Seller
can sill enforce them later. Seller will exercise all of Sefioes rights
in a lawful way.
If ft last installment payment under this contract is a balloon
payment. Assignee has assigned to OI Exchange, in its capacity
as Assignee's qualified intermediary, its rights (but not its
obligations) with respect to rho purchase and sale of his vehicle.
Buyer acknowledges and accepts essignrnent of this Contract to
the Assignee (and:any successor to tsstgrue). Buyer also
•-,Your sa1e?'ttta'vehide•lo,tne:l3eller. :;,
0. Security Interest: You give the Seller a seat* interest in:
1. The vehicle and all parts or.aflter goods put or the vehicle;
2. Al money or goods received for ft vehicle: and
3. All•insuiair= prelniume and service contracts financed for.
YOU.
This secures payment. ! all amounts you owe under this oontract.
It also Secures your ot?r agreements in this corfrav,.
E. Use of Vehicle - Warranties: You must take Care of the
vehicle and obey all taws in using it. You may not sell or rent the
vehicle, and you must keep is free from the claims of others You
will no; use or permit the use of the vehicle outside of the United
States, exoaW. for up to 30 days in Canada or Mexico, without
the prior nmten consent of the Seller. If the vehicle is of a type
normally used for personal use and the Seller, or the
vehicle's manufacturer. aidends a written womanly or service
contract covering the vehicle within 90 days from the date of
th"t contract you-warranties of merchantability
and -#tribes for a particular purpose eoviering the vehicle.
Otherwise, you understand and agree that there are no such
Implied warranties, except as otherwise provided by low.
F. Vohkft Insurance: You must insure the vehicle against loss
or damage from collision, fire or theft. You must name Seller as
ft loss payee under the insurance policy. The Seller must
approve the type and amount of insurance. If the vehicle is lost,
damaged or.dsstroyed, you must pay the Seller what Is still
owed.
You agree that the Seller can make a claim under the insurance
policy. You authorize the insurance company to provide Seller
any kdormation Soler believes necessary to make a claim. You
must use insurance proceeds to repair the vehicle. unless the
damage to tie vehicle is cons-deed a total loss. It the damage
to the vehicle is considered a toial loss, you must use the
insurance p?oi;*Ws to pay what you owe the Seller. use
your
Insurance on The vehice doesn't ply all you olive, you must pay
.. .
accepts this provision os notice of any sudu cssfg,„ ..by
Assignee or anyone else wrtttout further notioe. to:Suyer` 708
consent and notice specifically includes any .assigninent.of the
security interest in the vehicle fmanoed pursuarrt..to ibis conltsi,
NOTICE - ANY HOLDER OF THIS CONSUMER GREUIT
CONTRACT IS SUBJECT TO ALL CLAIMS AND
DEFENSES WHICH THE DEBTOR COULD ASSERT
AGAINST THE SELLER OF GOODS OR SERVICES
OBTAINED PURSUANT HERETO OR WITH THE
PROCEEDS HEREOF. RECOVERY HEREUNDER.BY
THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID
BY THE DEBTOR HEREUNDER'
Used Motor Vehicle Buyers Guide. If you are buying a
used vehicle with this contraCt._fedeml regula ctis.AW
require a special Buyers Guide to be displayed on the
window of the vehicle. THE INFORMATION YOU SEE ON
THE WINDOW FORM FOR THIS VEHICLE IS PART OF
THIS CONTRACT. INFORMATION ON THE WINDOW
FORM OVERRIDES ANY 'CONTRARY PROVISIOI+I$ IN
THE CONTRACT OF SALE
Gufa Para compradors de vehioube usadlim LA
INFORMACION OUE APARECE EN LA VENTANILLA DE
WE VEHICULO FORMA PART.E DE ESTE.CONTRATO.
LA INFORMMACION CONTENIDA EN EL FORMULARH3 DE
LA VENTANILLA ANULA CUALOUIER PREVISION OUE
ESTABLEZCA LO CONTRARO Y ClUE APAREZCA EN EL
CONTRATO DE YENTA.
-Does not apply It purchased for commercial or mWicultunl use. In
that tasty you (debtor will nag ass , against ally assign" or
subsequent hoidecof.Ihis.Comtract any claims, elmfmnmae. er-awoHs
whoh you gray have apdrat tw UNet-0r mSriaf=tureroffhemehicle.
GUARANTY
To cause the Soler to sell the vehicle described on the front of this contract to the Buyer on credit, each person who signs below as a
"Guarantor' guarantees the payment of this contract. This moans that R the Buyer laiki to pey any money chat is owed on this convoc;,
each person who signs as a guarantor will pay it when asked. Each Guarantor who signs below agrees that he will be Ilittlle tot the
whole amount owed even If one or more other persons also signs this Guaranty. Each Guarantor also $ to be laWo aver if the
r does one or more of "the fo?f wing (a) gives the Buyer more ante to pay one or nwre pnyrnars, or b) gives a release in ful or
in part to any of the other Ouarantors, or (c) releases any securty. Each Guarantor alm states that he has received a completed copy
of the con-Aict and this Guaranty at ft lime of signing.
Guarantor Address
L Guarantor Address
%Mtn 1 rim 1 ti'm -
Afbitration is a method of resolving any claim, dispute, orp ritroversy (collectively. a "Gaon") without fling a lawsuit in court. Ether you
or Seller ('1,a" or "we") (eaM, a 'Party) may choose m any time, including after a lawsuit is flied, to have any Caim related to this
Contrad docidedlby arbiValiorl. Such Balms iacWili but ore not lmitao to the following: 1) Claims in contract tort. regulatoryor otherwise;
2) Claims regarding the interpretation, scope, or validly of this dance, or arbia'ablily of any issue; 3) Omim5 between you and us,
yourk ur employees, agents, successors, assigns, subsidiaries. or affiliates: 4) Claims wising out of or totathhg to your application for
credit, this contrail, or any resulting ransacfiw or relationship, including that with the dealer, or any such relationship with third parties
who do not sign tms contract.
RIGHTS-YOtI AND WE AGREE TQ ONE,1
it either you or we choose to arth$rale a Claim, then you and we agree to waive the following rights:
• RIGHT TO A TRIAL, WHETHER BY A JUDGE OR JURY
• RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR A CLASS MOUSER IN ANY CLASS CLAIM YOU MAY HAVE
AGAINST US WHETHER IN COURT OR IN ARBITRATION
• BROAD 1WHTS TO DISCOVERY AS ARE AVAILABLE IN A LAWSUIT
a RIGHT TO APPEAL THE DECISION OF AN ARBITRATOR
• OTHER RIGHTS THAT ARE AVAILABLE IN A LAWSUIT
Rights You And We oo Not Rigs Up: If a Claim is arbitrated you and we will continue to have the following rights, without waiving
this arbitration provision as to any Claim: 1) Right to flee bankruptcy in court; 2} Right to enforce the securhy maree, in the vehicle,
whetrw by repossession or through a court of -law, 3) Right to taken legal action to enforce the arbitrator's deciion; and 4) Right to
request that a court of law review whether tine arbitrator exceeded Its authority.
You may drool the organization to conduit the arbhrelbn subje t to our approval. The+appllcable rules (the "Rules") may be obtained
from the se organization. If there is a oonfre belYMen the Rules and this coMroa, this contract shat
subject to the govern. This contract is
§ t et sec.) and the Federal Rules of Evidence. The arbitration decision shall be in writing
with a supporting opinion. We will pay your fold r"Acnable arbitration fees and expenses (na: including atiomey fees. except where
applicable law otherwise provides) in excess of $125. We wig pay the whole filing fee if wo dammna arbinall n first. Any portion of this
arbitration Wau" that is unenforceable snail be severed, and the remaining provisions shag be enforced.
TrWMI MM Ye)` h+m*ma CdWM MW NOT w UM.l SEE OTHER S413E FOR ADDITIONAL AGREEMENTS
I RC 171sT-"MTC , MI-RCO
Exhibit B
'"PRN`^
Ford Motor Credit Company
P.O. Boa 17948
GREENVILLE. SC 2916601
(877) 805-7187
Pi CZ5200200030
SUSAN K. HAMMAKER
801 SAND BANK RD LOT 15
MOUNT HOLLY SPRINGS PA 17065
Date of Repossession 01-07.2011
Date of Notice
01-11-2011 Date of Contract
05-05-2010
Account Number: 849
Buyer SUSAN K. HAMMAKER
Cobuyer
DESCRIPTION OF PROPERTY
Year
2010 Make
FORD Q New
? Used
Vehicle Identification Number:
Model
MUSTG Body
2DR
NOTICE OF OUR PLAN TO SELL PROPERTY
We have your property described above because you broke promises in our agreement.
7x PRIVATE SALE: We will sell the property described ? PUBLIC SALE: We will sell the property described above at public
above at private sale sometime after 15 days from the sale to the highest bidder on the date below (or any adjournment
Date of Notice shown above unless redeemed by you date) The sale will be held as follows
prior to such sale Date of Sale 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 to the following people who have an
interest in the property described above or who owe money unde
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 RO
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 $ 28.428.34
Plus Costs: Repo Expenses $ 370.00
MISC FEES $ 4.60
Plus Late Charges $ _ 31.99
Less Finance Charge Rebate
Less Insurance Premium Rebate
TOTAL $ 26,934.93
(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
the EARLIEST. Afterthat you can still get it back any time before ifs
actually sold.
If you do, we'll have no further claim on A. 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 dealerioriginal creditor, the dealedoriginal 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 dealerloriginal 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 dealerfonginal creditor to make sure that any insurance
has been cancelled. You have a right to get credit for all premium refunds,
KYDIA S. EDWARD
FFNA + 103837 Jan 02 Pr-- Wit- may NOT be used. CUSTOM E RIC US TOME R FILE
Primed m J 9 .A.
Exhibit C
29-Mar-2011 02:34 PM Nashville Service Center 6153152809
4mo FordCredit
Greenville 5usiness Center
P.O. I3ox 17948
Greensville, SC 29606
877-805-7187
DATE: March 29, 2011
rSUSAN K HAMMAKEf1
801 SAND SANK RD LOT 15
MOUNT HOLLY SPRINGS PA 17065
STATEMENT OF SALE
Aocounl Number. ti0840
The following property lias been suld:
Year:
2010
Make: Model:
FORD MUSTG
Gross balance owing on your contract
Deduct: Finance Charge Rebate
Balance owing prior to sale
Deduct: Gross proceeds of Ilie sale
Balance less gross proceeds of the sale (3 - 4)
Add: Gxpansos of retaking and storing, and any attorneys' fees
allowed by law, and expenses of reoondillonlnrg and selling.
Vehicle Identification Number:
(1) $ 26,464.93
(2) $ 0.00
(3) $ 26,460.93
(4) $ 19,200.00
(5) $ 7,264.93
(6) $ 1,152.88
Deduct: Insurance PreTTI!Um Rebate (7) $ 469.34
Other: (8) $ 0.00
Deficiency- (9) $ 7,948.47
Surplus" (10) $ 0.00
The Surplus/Deficiency will ohange based on monies received by us (credits) or additional allowed expenses & interest added to your
account (debits).
27/29
Surplus" or Deficiency"
If the sale resulted in a surplus, a refund for the difference will be malled to you.
If the sale resulted in a deficiency, you shou:d Immediately remit the amount shown online 9 to the address for
payments shown below.
For additional information call or write: Mail doficiency payment to :
Ford Motor Credit Company
P.O. Box 9503
Mesa, Arizona, 85216-6508
t30u-732-2264
Ford Motor Credit Company
Dept 194101
P.O. Box 55000
Oetroit, MI 46255-1941
FFNA 11990 FC ocl•10 PeVViUW: -;Nlbr,s may NOT be used.
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
Ford Motor Credit Company
vs.
Susan K. Hammaker
?FFi:E'SF 7r-E `•ERIF?
H "RCTHO G IFr, 'i
2912 MAR 20 AM 10.46
CUMBERLAND COUNTY
PENNSYLVANIA
Case Number
2012-1502
SHERIFF'S RETURN OF SERVICE
03/14/2012 06:53 PM - Ryan Burgett, Deputy Sheriff, who being duly sworn according to law, states that on March 14,
2012 at 1853 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Susan K. Hammaker, by making known unto John Lagyak, adult in charge at 801 Sand
Bank Road, Lot 15, Mount Holly Springs, Cumberland County, Pennsylvania 17065 its contents and at the
same time handing to him personally the said true and correct copy of the same.
SHERIFF COST: $35.00
March 16, 2012
: L i: --> ?--::: ?
RYAN BURGETT, D
SO ANSWERS,
RON ~ R ANDERSON, SHERIFF
(ci CowttySLIae Shentf, Ieiaosoft_ In;:.
SKLAR - MARKIND
Andrew Sklar, Esquire (ID #65332)
Lloyd S. Markind, Esquire (ID #52507)
102 Browning Lane
Building B, Suite 1
Cherry Hill, NJ 08003
File No.: F1100273
JF aI !(/!/ (
CCU
.VAt4lA
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
FORD MOTOR CREDIT COMPANY LLC
Plaintiff
VS.
SUSAN K HAMMAKER
Defendant
:No. 12-1503,
TERM
CIVIL ACTION
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
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.: F1100273
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. 12-1503
Mesa, AZ 85209
Term
I
Plaintiff(s)
I CIVIL ACTION
I
V. I
I
SUSAN K HAMMAKER
I
Defendant(s)
I
CIVIL ACTION AMENDED 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, SUSAN K HAMMAKER , is an individual who resides at 801 SAND BANK RD
LOT 15, MOUNT HOLLY SPRINGS PA 17065.
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 May 5, 2010, the Defendant(s) entered into a written Motor Vehicle Retail
Installment Contract, Account Number 48063000000045591849, (hereinafter referred to as the
"Contract"), for the purpose of obtaining financing in the amount of $27,856.13 at an annual
percentage rate of 5.9%, in order to purchase a certain motor vehicle, 2010 Ford Mustang, 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
$460.34 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 January 7, 2011, 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 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 $19,200.00, however a balance of $7,948.47 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 $568.53 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 $1,987.12.
12. The total amount due and owing at the date of this amended complaint is $10,504.12.
WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant(s), jointly and
severally, if more than one, in the amount of $10,504.12, well as any additional interest and costs that
may accrue and such other and further relief as this Court may deem equitable and just.
7AR - ARK D
Date: March 16, 2012
Andrew Sklar, 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
Priscilla Rouse VERIFICATION
verify that am an Authorized Representative for the Plaintiff,
FORD MOTOR CREDIT COMPANY LLC , and are duly authorized to take this verification on its
behalf, that statements made in the foregoing Amended 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.
J_ C
BY:- e?21
Representative of Plaintiff,
FORD MOTOR CREDIT COMPANY LLC
DATE: MAR 2 9 2012
48063000000045591849
Our File No.: F1100273
SUSAN K HAMMAKER
Exhibit A
wTDRwT YDIIICLA 89TAL PWALLNFH7 CONTRACT part M/11JI to
(Im i Rr.Mr rrS" TrO. Iro.
1 rr tir iN li 11O lock R..
PWdGredt MoLLr scows, rA tTO1s wit.l., n Ittls
eGMtasAlo cwcr
r ?t kaa wrsAw I i aruc p+..?. I'
#?DMT*N OF AtMDYT POUAWD
L CM.M...._..•-- --..__._....._..._...tub.a tTI
L Own ftp-i "y 6.80
TN4"Nw- "- H INr...._.....».._.1
1 pM.tt
C
.M
V
?
rMar
? Ap.r.S..?
7NNfY.rwp
..?_......_......_..__..t D PI
Com
i IryA4 DoIIANN Ce.n cnIn if MN 0.?,.,?......._.. pl
C AaaNa IM r /v 1.11/ ttN10 N.r M MIN.kN A wAr N Mr OniO..IN
le AWII OM4M
H IN rN40M A Lwp A tt 1..
-
MO.•Nbl p h r.1?
l
H
w
1--:
p
r
p
M
pVM.w Ttl aCM TMj I?i 1.4U.t1
le AMNNr. hgl.r.r. rl
CI.o. LM a.Nrr. daNwaw+.eO..__..__.__..,1 vA
CwM q.ItIn1 YOI.e..e pr rwNrM1.AD..?,,.?.1
pew_rAaMrl._._1
/
t?t2R7-?"t 1 il.
n M 1
r M 1
R
4Mi?1
d'?
TTMIMI f???oo? YP?'-1
n _ W 1
TO W 1
?
TO _ W .. 1
T. aof-lpbN(IMq.. _..._.......?..?._..._ NI
M WPAL nwil 44aaoe4 0
110LWIDW
ADWAL PIMA t AMVM TOW 41 TeW M4
'11RCEPITAG! CHARGE PMIAceO hyMN. Price
RATI TIOMIw Arst Tr,...Mr
.wrrr Trrr MOYew
yy rTw NNr.wMll
Ib rrTrw woM.A yNr
?
??
wan.1.W.MS ar N. y? iMI
I.O
NIOrII Nr 1
1
i.tD rtltt.it c.11 SMSI
gGru ".are, .
INa. oaM ?,
MnMr4 I Tw/r w wreW .aM.10r.M.N nM rrq.Oa.Y
r ?'1.
w
N
1Y
w
N
Y
+
i
NYir.Iwdn
AI..••I YrrIR 1'
Y
w
?
?
?
a
.r
y
?
/
?
N
N w
.
1
1
?
N
M
Il
NIO rlrN
t
I
Y
r
D.YL~? wQ11 YMN
Y
?.
t
Y
1
N.
?y
y?
.
N
?.
?
e
/
r
r,.
y
,
y
?
y
?
?
/
y
N
Wll Y .M ? ?.F ? ?? INI M LI ?N? I?ir YOYY CIF W
hiM. NM
w1YRw nMl
M y1. YIgl MMye. nHtla r.-. Tw I•oYw1 a T7or d
w+LMMWirord?It aN po01 ON w I4Ur WIC . W Z. OM41..H+o hr
r
U Tq W i,NiwtlNlwNNw. qr w+rlr 111 rlw+ogrrr ati r+ r aw. prrt 4wrw w
r M w N Ia..NSA n. rrr. ?./
MCN rnNbr wow.a.erlM.D....M
.M4w.4 WiN Y.1.1.IL fA M?OIncid 0 M.A.W.
w1.aaN1 p.Y w we r?rr? 1. M cent. ral W1a.e M slw a w.110T.
r'vn.laR rrl. n.IM MO.M7yW?Y?wnYl w.aMwy.rO _
r.11tIr1A D,Ir AMMMar folM t0. rN.arW NIA MI M..nn AN
rillNM./r Anr.IN •.w
wl.-Ocalah,• rMww. ?yMOMIM.Aa+r.?
E?RDMk bra M A r N.Ar N Mtl O.N. TM
o Tr ar.Y MrMa1 {Mow ..I.rl W oMlrNt ft 1Y.aw.alr" ..eN.1
rwYM p.. thaw D rA M N41M a M t11a IasYk=@ . IA. w WA . .00"m A.Il.aa sra
MPM IINM 4 VG/AOO+AY Al M MMM W N W OsrNK M rwwwoLO.Mw.aa MwwNNlrw r.
AMM.ww NtO. ryr YallY apMMnar.a Y.aOtl aY I.W=***wa?wYYe?Mww
.wrw. N..rN M44Nw. .
rem -ow Tr.* ahr.n.wv ..Y.nalYa.•W rManrp4 or y./G
AIIaMIwa_}AM.a11.M O Tw M.s AVrr. ay sw¦N..Jc
H your dace 4 0" bDO. Ta sptt it aw"m M 6~ pddM) N b "a Marred
t Mr _
AYwyrtwaNr aarM ryryr.nrar.
MN ?? k d.
Pep ACOMO eDpl THAT YOU HAVE MAP Alp AOM TO G DOOHD DT THD AMPTR MMM'Wp M4 ON
7H1 REV~ pee M Tlw CONTRACT.
TMO ANN= Mfo.IMw1 Rd. MNy a •.D.ON.c alq IM trl.r. TIN sew a" woo rM. oockm .m MNy own punm 4 1 4 b f • N tM yai. CM
Do not sign OYs cordre t M MOML You Drs onUded to sn arced copy of tRS Contract that you den.
Keep k to probst your ZI ftm.,
xd?.k &..A-- ;;.b"x
Va.
MuyOr wM cs•tluyrl) a011IlO1TISdMe /lpt a> boM MOGNO oww land owe
NgOkrae and pYbaOO s true cent Canlpbldy 1MN0 M copy o t senpad end Up 1 I go
Obnlrle thb Mr11.OOt. GTnl.r (and Ce-Blryor) neNYN a YIr entl aampIMNy flkd 4 copy .
eciffract,
Ie.r X?.^? ?K Cwrr ?_
8,39
ralr b r? w.Ia N OforY Miry wow r4 ocelot M MOM11 "M w
s.wyw_ ,rrAwwrrN
oral
uUt
T. 14M a.at w w,alr.
CMIN
O DiceewT?.,..-
Yw NN CnM ONO" D4a.IM.
D.Ta AWAA
C*A" 11110.
OMD a.OCMAL neWMZ
reiei..ir. W 7th
t_MrA._
Iw
a
M
Yr MW M mu
.MAIW ral M+IkA
Irnnn.r N r.r.
n•wao.sc+w OIIIDIgyL
Kr1.OMGMAS KT1.OPIA.CO" KY.-CDDYrYGUNMrOn COPT KY 4 • IHLIIO COPT pO4rWAWMUM
"o
?
------------------------
------------------ ---
Aaotfnru Aa1RN?11TA
4 P.
w
w
-
M
aw
w ?
a!
•
w4
M
wl
7
wl
Yr nwY •
il
'
/
ebrM
u rY
wr M? t YrIM Y
?
Y
N
YI?
r
sF??
a
IwYf Y1w
wfM'?
W Wit V+Y irtNM
W YrY
ANYti
?W
_
MY
?
? N nw`fA`?? MY ?
{rr /
Y _
yyY?MrM?Ww
F
4d
M
?
?
?»
YiYa i
?r?Y?/
+
Y?FMMV?YSyMie 4Nw.FirYY*V/r//N
MIM NMFIr1Y..wrirwrtrw
i
FIf fIY FF
iY
.YN
i1
/r
YtMr?YK•'?w
YF+Y
r.I ?FIVr OwNwrY rN wV WYMwtw
tr w
FMi
nMY rlYrM rA
h
MF
4•YiY (rY/• • rw1 aVt1Y w YNi•1
??FF?tyrrr?rN ?~
W N f
r
r
K bYtrIYYM W w wVrk r
1 YYrrl w.w•wNr rw •Y m
r
farwin rtiYwl9 fVi VwW Vwr11•
MY; wY ?MY.rr'WIgM4N.xrNArFV:rO rrr .
! /YMw WYYfWW?rWYMwM/W Iwr?
ALYYw rrfgbW rrtw:r
/. rrrM/gwc•wrwrYer w4wr.F•r•wr rwr r.iYriM/r rlYw wrY Y irw
rrrrr W4..•wrrY/wrr•nlMn/I rt4rw
rNlKmrw[•w•r4+r swaw•r NW
N rYrY wwn Y.tl?"`iww.rw•tYwrF•w lYri.?iY ?trrrw•/NMwr.a+w.trlN .w.
?
r ^'f"'I' f rwetr 4w wrrfwrrvr •.w
1' M VMN W Ur f?M• MYfa IOr'. ww N
gd, W Yw fY•wI r 4r w w rr N w ..rww wr/tw RNr•rrm-+ww Nri
bYwwiYir M.VY PIr w'w NIF Y rrrlrlMlY rrr'.NMW%t•wwi
wrof rtnw wrl rrrr, rrru rYw
'r wrrwr hrYYw lri wlYwru wlwifwwN~W?.rtr •?ir !rai1 ww.?i
.wr:.M.nwwwYfwMUSrwYY tw..WW
YfrW.wwr•Fw NMrYIWI
NtrM??r ir.4w.MYrYynr?arrYYNY nrMWptr YrVYwrNwrwFVr nfrruY
wN irY ir.FN?? IYbirVlrwwYplYw
1•r1UWw WN.
r/Yf•W
YwNMIF
wt wwwnartw
?
1Y 1/
hNlYw
rv wrw 4YW. w
wN
I
r
f
w M Y•Y Y M 4 Y 41 Y'w•YN N
Yr .
i
.
w
N MFYY FNY lr wM M W VY fY Yry NYY!
M =
YrrwwrbwwWwYNrYr•!pw wrYl•rrw•rrlrrrwrrYSrnMrrw
IYYYR NrwwwwwN NrywYw?NRr
Nrlr/y. Ir rrrN9rr/rtlrrw llblY
tf ?Y Mn/
YrIMY
M
lN Yr?r rrriwwRilryrwrYMYW rr/r
•r/1•YY/YAA•M NYIr Nr4Y,FVYMr
riw a
•Yir
wY
I
Mw
i ?t
s
•
Mr? w
?
M
+
iNiriMwMwr MW
w
Ywr
ii
vs
4
• r
i
V
?
N
M
y f
r Y?iV IY YY
y
N? tt?wt 1
lYfY?i %•I,i 1M Y?i/NYNii4.NY
I
vV
irNYN
?M.w.
i
lYir w
Y1Y?
rwrw.rrw,w rr4•rMYrrrYne
t/MwrrwurifrxrrwW.YYYwrr.
w .
b?airi l?lr?l.IAYNYI?r wiw carry
w
r r
NS+ wuww
?
]
y/1?? ,A, .
A.
w
FTi41W. •~W/w rgYrY Yr AW ryfYN1w. M1 rFM YrtiRN/Y1r?NYfY Mr'rw
YM•I•IYINIIIitl FIlr M?rYt /I1rF1YWrrrrY
•YVEYIIN rwvrWl•rMyY.Yr rN Fr4
N f44 N•rw4 Wrr YwW.rwrrst?r: •V•VaMwtM RrF
Ld/I•NrpYr Wrlr•wrw/FrlMrwA
+
•
N MM11 Y fY•t•w1 W i1F • M V V lww fY rM'
W !•rY/•r•t•It.YMN?N/rr rrwrr•
. a
Yr Ytl
rN
WMM/'
wiV
l nYlYMwrwrrrr wYw/Nrvv4
w rr
is.
yY4? wNYN r}MMY rFIrY NY Y.t !/r• iy
yrw
W
lt rr
w
w
f
4F AYNN ry1OlY.fY?YrMbMwlrtwrN
•
YW
t
+ Y. rrMrlArrwiYa.rrr•/w YF,Rr•wYrM
it Mr11 N
wwN
YW YW n4
n
W
w rrwre rr rN rlr r,.F. ww•Yr
?
? rrrt wrlrCbYrr'rrrv Y•1rw?FIFl4'FrrV
NPYN1Mw+'•p«r bF•rlV to r•.wrur
w
'i?wwlirr
"ir?Y?i rwirw?
+?• •w.w?•aiF.e: t' wFYnisr+rn4. •ra.+
N Arlr.Yri wlrYMi/Ir rrYMYwrYtl
M /IrR WwY/.rwbr.yY•w'MWwYYIn
N Ar iYNM1 A wltw Y IAYr1 h Yf. Y•rrY4 r/rNw WOYrcIn IrW lNGAb Grww.
Yraa •NN M••FY4 r•ir •+Ywwr wrr•
YYrrY i1wM wrirN fw rllar r YYV N rw/ r
NIVwI.
G rr./• R4rri / M W rYwwt
•rrYlr •YYr tl
•YM f4?Mtw?YY•rf
•w W rr4wY rWrNYF Yr YY?wryrlY/S W
•rtl Yr Crt4. •YrRIf. iYYYi 4 MYY
rw.tlNrr r•rYr rr.rar WN1YYWYWW
l
l
1
I
M /nat Frw fyr? R. caw Y4irw. W 14rA r
ri
N1YM
N
N
i Yr
A
N Y. r
YrrYY, rYYtrN w iwlr MIYfn Y
YWj'r
.
r
MIf.
Nr1
r
rNMfr
w r• lwr Yf W lYF? Ir W M YMN'/ JNY FWNr. YY/wYY YWVM NMW. YNf111Yi
GYMf NYW..?r Yr NnM
NF wYC+?N
N
~
? .
??WYI YiY YMNY MfVWYi•YrY
w/1
w F
rwf Ylfrr•.rt4NMIM+Y r1w
•Iri4w WI VM tY MY YrIN•aY•M1 Wrµ/.wv w.NtiYi,YM'/IMr.W•rW?
twrw
s
Nrr
W +w
•N•t• N rNr
'i
t••MNMrrYr Ultw
/ .
r
r
rrr • /
r
Y
Y
rrw Y•rM
. W ?Irl. rwr0. w4Y/ Y
!W w YN! N t1Fr
W
W
~
? y?rfY y
ANaYYNrwlln ?•l?YMw•FYn Ywwrp
r YYY
iNw Ml•M1+/YYN Yn
Y
I
MY
wMM.N WYYY.rrYr r•NY rrrr4??
M rprrw ii•rrYV NY+WrYrWrF•R'Y. I. w?•rwr+•r•YYlrr•/rw/r/wrrYMw
Y tr.YfkyrNNW
Y/r ca
l
wlrw/N
N
Y1
r
N
rwwrwFN.awrYwr?tl war trrlW ?M
:
r: ?Y
a?
?
Y
r
l r
r
FI?I MfV?aMwY ww.V O+ NMW
i?
r.
Y.*tY.ww. rWrw rwwY r w Nu Y„q•rrNrw.aNrirrr.?r
.rvYw
rNw+?wr: Nr+w r4rwarrr:r•rr.r
•?Nr frYrr Nwwfb?rr.prrNrrs
Yr•rN /. nr wY tw N •nrM NIG N rs ?•. A14r w •urrl b u rY Yrw1v
Ylrr?f?rIWSM IWYMrR r IIf. M Y
•rr•.irFIMt4Y.wwlV?W'+rr ilY Mica FNr?fIFAFwy.rr r wwww•r Y w YFnw4
Yrr YYrK IMrrYw rwNrY1110 •rrr
Nw.IY1trI W JNr•Iw MMM INY rlMr rr
Ir• YM r N AaY4 N /I/r
r Y1 ?FrNYYr Nfrn YIYYyy?riFOr?.t?/rllYrfNK
/ 4rMffw y/FM••??rlWYlr lr rlM:M
i tlrrlll{•RN•Yrl W rnp rI1Y1a YV/O/ W
1W wrplrM rYt•?rYbyr rwwrrr.
/ •Y •INY Yr MHI tIrFYYN V rr i4YY•
L YY Y Y•rIY • r•••tlOl YM 1rY W A• r M
r•r4wYr rrrwrYNF wMMMrNMN
wrw.MWrrYwrYNMwrrrr VlW N•
YrcFrr r.tr wwrN w'r.rbrrwtr
NWY •tnlW r r >0?rI•1? Enir w NYr•. irrf
•Ywrr M/N
w YIY r•0 . •Mf
~wr rY •rrrt w w M M WN4 ca w
F•?Alllw•iwr?W ?rN/Yf a?iwN/rIr
Yr .••r••L rr? ?I 4rIwI rfw/w• r r•wYrrtl.
oWYfw?w, rw ..ww?Yr w.?wf t•r?w.f Yw.w Y?r
Y//Iblww••IYL ••w1Y•rrwW rr1Y•aY w.
I. YYrr YriINW YY car rrr N.rIM.yMY M
r r'+M YFw ar4? 4• r w! Rrwr rw Arr r
/• W V/M YI1/Y /a wwwF /4. ?N FY rN•
•wM N1I••wrv.rt r'4YMrrrIYYrY,
r.rNY rAII•'••V/, I•Y IMt N1 t1• Ytrf rrl rM
••rY.
yYwwrwyr Yr M MW www/r•r FrA1 N•NYYO
Yi•rrwrYa ANY ? ? MIrYiR M
ntr w Yrww pYwr w 41/• N rw4r rUY w
iM•RI ca w rM F rw•rF/ • W M1 R N VYrr
w itlrr • arrwY • 1M WL Irl I•Ir W Yi
•rw41 M Mwrli/i iNrl rY i A wN?nr rr
wwe Y ? •rr.
'I rtr NyfwyyMYw NwtirMrr??i?ryr,y?YVi W?r?lrYlMtw.u/rN r?r<r/?Ywtlw iY ?VYYMr•
IVY rlr4 rrfww YwlYw YYYI YrfY wwV?I?ri N FfltytFYM t?i1lF Mttr1 //rri V Iv
YNNFw.M Nr Nw rrr. rw ttr4M /rirRW?FM iYrYIrN YW rF/N
i11gYrYw rrNrNY/N1w?Vi Mrw•/•Rrr YN4 Vrt/?Ywilwf Y?rVt? AIrr11 rIM•4.4Y
V N. rs•IFw. ? l?O?iiM rNWywF rwFy fYr 6rYr Yw Nw /,V Nh4 w4w4 f wrrFYt p41
rrwrwo•w.lY'AwrprrwwrA.iY/Igr
IOANW.YM11wmAANlp
• Aw 0 wflNraAYma?tltARWIr11Yf11WYI104MRW NY WYNY/
IY01 t0~M iIY?A fM?/01/OYM NIY/M tMYINeM A HYIMf
mMN Itl11N 1MA7Atl AYAYrrr i?lwwM
{INL7r1AY!/KY?ai? r • frw r rr4r•. A w.• r r rwrw r caw V• aN+rY irr, wr..w.w..i
rr• Yww YYFrw llfyta W•rYfYIwwFFt rry:NMrref wig/ NVNw.
.T.'Pw'??wr' wrr.lr. MYMYNFM oti?MrlYY ?frY rYYMMrNWf wYwtFr .l t/'I.b
Yr FlY ra11YN rrrw wrrp rWr4M•Mrr 1r FA4rw rwllr'Nr.'1 IYrimwr
rw MNlrYtt rYw YOwi•wlw bi.wtNlW rnK w,VM ar.weM rM }M4.
h/MlNM r Rtr•Ml./N•FF/IWIY4rY lMYYINMYYV.tW YrMr4
w•ur/Iw.R sNI?. +rYww wrY+?W.wYNYw fw..aY.vwr.f 4n.,bFY'w4
4Fw•Nr/rwr rwrw blr.r N 111• w M W ti F/.r Yr YI r •rr4 W Wm Y.: M irrrJ w.
YFF4rI qrY r1:4 rrr.trr w r rYrw wM.wwr•Ywrr rw1 Y w?Mrl
?^w rMiwr. Y[ry.rx•w YeYFwlbrt 4YM1YlN
M.1r4?w MrwY?A Y
• -?' ?'_ ? I r •?r ?I'T+7 t "rt-?°L si t N'.". S - T ?".."t i "T ?.1r'o' y.' T••+?^???.?r^
ADDITIONAL AGREEMENTS
A. Paytnanta and Summary Jdaticr, You musr rake 0 pay
merhts h U.S. funds when .M1sy ve due. You may prepay your
debt
The setuai a an time wthout penrhy.'11Wr b e r 'mate kt wen txrnvac .
finar+er ctwge Yyoauu apnea to pry y#I dapentl on your
payment patterm. The achtisl Maw- charge may exceed the
diserooed Finance Charge It'you make yarn payments tarar than
the sohedUlad also or kn tea film t» whatluiod amount Your
paMent W11 be applied Rnanes Charge and thln to. tM Unpai Ad much handed, The
FuYhnce Cttarye h amid by appWng to' Annual Parmntspe
Rate to the unpaid Atttwtil?t Finorcod for the actual time putt the
unpaid Anhount Financ?ed Is outstending. It the vehicle Is repos,
sassed, you vro not hthva.vw right fo fetnotom de Cantrom uri ess
the Seilsr agrees.
B. r1hIact you r+e¢.trandle the tdai'rnatdhtisrk paymerx in
oat of three ways. ,
First men kt qua M. all that you owe when the brt Installment
keep your molar vehicle,
Second. you tray refnenoa the last I slefir rrt payment unless
you are In default under bib contrast. I the Seller has advanced
funds w data any defruk you must pay beds the SwW before
to t=618=e moat provide proof of law ante accept,
Am tha anci The Annual P.e?gmlaga Rare
(APM for the r4nanci will be iha lowor of Iho APR agraod to
by you and the Seller at the lane or the Winarioing or the
maximum tale permitted by law. The Cann of the rahnanofng wit
be head on the amount refinanced, the rate, and ft amonm of
oho MWAW.pafaasnt_Tba re8sariced Montdy, psyrtert a•?tal be
Jl sue - - .M aced amount-wit be tiny
Paid widen 30 manlhs of tla due. Me of the Ism, inewroom
Paym needed tie monthy psyniard amount stWf bib the
my pay rill rewwwood aeauft w" 34
monms of tie due data-of tw last keralWrham payment, If you
wish to rafrnathos, you moat roAfy tut Seller in wtitlng. 6xcopt es
discuand in tits section, litre notice mrul be naoWed no Neer
fralagrneM payment.
Third, you may sell the vehicle to ire SOW tar alt, amount squat
to -we No htsWMerent payment You prat pay to the Sauer any
other enounht owatl under this conlasct Amounts you we wig bo
wood. in Mull. on the vphicls's mass" You also must pay.to
!ht SOW tie satiaatetl 4oate.10149 AlOira 10 the vohiae tot we
the result of owass war and use. as sal torte blow. You must
p1w sa"ad to Seger for
take tree vahkia to 0. "apaction
no NW than 15 days prior to the to by itM* Sk`` eWM payment d u a
dime. Ahe the inape VW. V you deckle fo Sea the vohkb b to
Seger, you must give the vehicle to to Sew no Islar then the
last hlaaelntsm psryrhhetf awe date. At tat tide, you read eNo
give the Sella a We, which Shows no Nana other than the Slide $
No.
or a person s4ww by
the Sa ?1M ownsirsIV lo Ow inspet:llcn, if Syouddecide ra to alit vehicle
to the SNMr. you rnust M?nm+diaay donate ft Seger and inform
the Solar WhIOW you want to Ofhence the fast Instalment
Pa~...
C. Damage Owdrr if yaw ism Instatnhem payment undst this
C*1111aQ•16 '6-% can paymeM and you sag the Whka back to
the Steer under Paragraph a, you are r IFA Moo- for repairs of
all dome" to the v 1f1te era 11et oho feet ad nornal war
and use. These :repairs MhoNrila, txa are not trolled W. thoW
naosaary
ro:
11) replace cry airs not pet of a ntmddng see of four or any Lire
which has hiss then J/8 inch of remaining O'Qaft
tip repair of rieotyn?Wil seisots;
tit}r4pek-err+aPfso -&1-11 ted•-scratched, Chipped, rusted or
mismakiraq bot4y panels. paint or.vehlm identification items;
al tleead, scratrdhed, rusted. pktad, broken or missing trim
and psi wont: all esraCW, araCked. Oil d.ar broken glass:
al faulty window mochntsae: all broken or boated out lights;
ill +?senronfe•?itsllurdtora:-all arNrior?fpa. Swra buns or
worn arose; tail' W damage which would be ow#wW by
collision or comprahmekv insurance whether Or not such
Insurance is actually tone.
If you have not meds IN N stra before InSPWdOn Of the vehltle
uncle Paragraph 9, you Will owe the satinmted OOOU of such
repaint. even a the repairs am not march prior to yaw "se of the
vehicle to ere SsIW. 11 ' dawso with the eslWnafed Soso of
repafns. You may have tide ropsfn made of your w- to- prior to
JOWAW.ot1As vehicle the 8eaw.
O. Resumed Mnufsnos Ararafums and Service Conti`
Charyes: This CWb*a _" contain Cutups for inaurana
soMae GOOMOMS, or other contracts, you agree #W the S ,
wa
can 06" W11411118 under those otunwW and ut%eas D?Bf&Md
by taw, t M*10te them to otrkdn ro a wa of wtewmad OW49111 >a
redtrtre shat ycu owe. 0 the Solar pats a reksld on inawatioe,
service ConlraCte, ar o0hw oarfracte, Bw 8ella• wish subaoet.N from
whir You Awe, Of" AN SMOUMs Owed under Iho cotftol We
Raid, any remSining ralunds will bs paid to you.
H. Dahult: You will be in del" if:
1. You do not make a pWwi whnrn a is Oue; or
2. You gsw tats" or King WW" IM on your c edt
application Mkft fn this Otrnbawt, or .
J. Your vehicle it soind by any bath, Stale. or fedarat
auOodty and is no proraptly and unconditionally ratarne f
4. ou th a binioupicy paHlion or one is tied sgdmtt you c or
5. You do tat tuna arty other
this
If you dsbuR Seller can promise M tit
exeofo -Sows .rights tattler this
contract and Selws other rIDMs under On law.
>. Rapeseaalon: N you default. the Seifi?"rasy,mWi a YOU 10
pay as *no the unpaid Mtoure Fgrnosd ter atrud and uxipeia
part Of the Fierce Charge end as oter smarwls due wider this
eonrraet. Sher nosy»paaseN"{take 6aety.tf?ta whiten, too. fiyler
maY lied take goods ttwnd in ar ortthe vdttlcla when repossestlad
and hCd them rat you.
J. Your Right To Redeem: if the vehicle is MOM back, $per
wM send you a noiuwe. The nodes WIN say drat yyepou may rodaom
(buy boOA) the vbthiCa and will axplain how to redeam to "him.
You may redeem the vehicle W to 06 time the so"? soft it or
SWOM % $ell it. If you do.not redeem the vehicle, h will be Sold.
K. Disposition. of-mow YMdeus: B.tha whrds it taken beau
OM sold the money from t+e sate, Mae aaowod expenses. *ill
be used to pay the amount stO owed an #W wtrntaad. Allowed
expense include those paid as a draa result of hswhg to fatale
the vended. PAN it. propom it Mr tide. and sell it. tlaasonebte
IewYWs tau and legal coats WO allowed, too. N than b any
money 111t a (s - b wN IN paid b you. t tde.mo" bpi,..
the Wk is not .rough pay off this CW40 t and ooskr, you Wilt
Pay what Is stiff owed to to Sauer. if you do nat pay"ennoum
when to Saga asks, the Seller may charge you iniwast at the
highest lawful rote tax. you txsy.
L Cogat s" Costs: 6xCW as atlW WM proridsd try law. you
must pay any and ea OXWOee MOW re enforcing this oasts,
including CO WAM "WOOL lawyers' fees and ether legal
expanses.
W Co sunw Reports: You oulhorin tie Assignee listed on the
front or this coated to obtain codaunhad credit to ports room cor.
turner Wonting agencies (credit twrauv) for any reason and at
any time in Connection with this Comtact.
M SonflongandOoMaoYon:Youagree 1hatCrodhor.C4edwra
Ww". alone and Service povidea may monitor and record
talSOWM Caps regarding your Occoiat to sauna Ina titlttaty of
our aervics or Ion othw resorts. You aft exprosiy oonant and
agta that Creditor. Credior's anilines. aaggeeM and service
pmvldars fray use vNtan, Nsomic or verbal ,maims to contact
yam This consent includes, but it riot graNad to. wnW bynwhtai
caaktg mathoN, prerecorded or &MOW voloo Malwass, text
reaoges, emWe "tor sunornetc tebptcna dialing systems.
You agree let Cad W. CrtrdltaPS AfAFatss, agents and serAce
providere ally WO any ample adcMess or any Wephons number
you provide, now or ht the !Yana, including a number for a cNkder
phone or othw wireless drvite, regardas of whether you incur
charges as a mat.
0. Applicable IJarr: You N mittthis contract will be governed
try the laws of ft eau of Pennsylvania.
P. Ganweit This connect oontaWe rte amine sWeerrent betwser,
Saw and you raining to tie date am finandnp of tha -motor
vWkW
wild. If Sellor ddooWt et ce SeW s ae4m ge. all ry ilmeb stay
can on enforce tom later. sew will axer IN C! Seller's ri?
In a 1ewfW way,
It the teat inafalmem paynwr under this contract is a bsww
Payment. Amign" has assigned to OI EKohanDhsb In I1soavadly
as Assignee's qualified , 46 riol . not Its
obligations) with respect toIntermediary the pwahass and sale of(d+ls vehicle.
OAMS%PW (?sanY soma MKKM as to As n of miaf3uowsovt to
M SW 1
yoaArsate. *Wwo cow. D.6"Twlty The vehicle ? s YOU owe r* solar a SWAY lewist in:
'
pats or.other goods put on the Vehicle.
T. -All money or goods rmlvad for the vehlahn: and
3. All •Msurarm promm= and wvco comanta financed for.
\.
YOU,
This eeewoa pnymamt qt all ar rrwnls you owe under Uttt sordract.
h alto secures your pftr agreements in this confraot.
E. Use of Vah" - Warren"": You Owe, lake care of the
vehtde and obey ON laws in wing it. You may not poll or rent the
vanlds, and yw nwil keep k free "the atalmft of ethers. You
will not uaa or parch the use W. the veW* outside of the united
Stmel, a, ' ; for up to 30 days in Canada a Maxim. without
the prior William owe nl of ow Seam. N the vehicle to of a type
norarepy weed for panaaeal use and the Seller, or She
eelttoN?ar>ssrarfsatluar.ardendaawrkMnwanetnfyasarvias
sorWoot cover" lase •vehlote wfm 90 bye hem Itm dote of
thin 0601:00. Pau go .gaPbed-wranNes of nrereharrtaepty
sod Abiass for s PsrNauer Purporse Oovering the V NIVIS.
Otherwise, you understand and agm that there we no Ouch
anptied womaables, oaoapt as otherwise prevWed by low.
F. Vehicle inwranw: You must tenure the voM* against toss
Or damage hem cowgon. firs or ttefi. You moot name SeNu as
the loss peyos under the insurance policy, The Seller must
approve the type and amount of insurance. if the "MCI$ is lost,
damaged er,do buy ad, you moat ay the Bolan what Is still
owed. ,
You 89" (hat the Safer con make A dlekn under the Insurance
policy, You atnhorize the imtufanoe company to praAde Soper
any kdomwlion SON, balloves necessary a make a pawn. You
muss ua itoursmoa proceeds IQ repair the vomm, unless the
4am690 to to vehicle is eoncdelrsd a alas toss. I the damage
w VIA vehide la coftwoad a total loser you must use the
insurance _proQOO to pay wA+sl you owe the Sauer. t your
naarei?ris onthe rr"O dowl %? y oil you owe, you saar pay
..wt1?C'rs tEf•.?
acoepta thii sprryaoAdon *At no0a tot any w1alle .. • ' . by
t.nd ndbi ape4" mthilil ctloolIyy ?? r ba 0f
socisly tnerant h ft."hiola fMarloed assipnenerft. 4he
Prom ;]a It& contrw. .
NOTICE - ANY HOLDER OF THISMI ONE -T.
CONTRACT 16 SMSCT TO ALL CLAW AND
DEFENSES WHICH THE DEBTOR COULD' ASSERT
AOAWBT THE SELLER OF DOOM OR JIRVICU
OBTAINED PURsuANT HERETO Olt wrm THE
PROCEM HEREOF. RECOVERY NNBRINJN1DER . BY
THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID
BY THE •DEBTOR HERIEUINDEV
Lbod Motor Vshfdle Buyers Gulch, If you ara'buA a
used YW*.% m)th this oon0ac_1od" reyltltao M.Aw,
require a apedrlil Btr W& Quirk to be 1k" on "
windowoithavahlole.7HENNPORMATIONViIjNtl=EEON'
THE WINDOW FORM, FOR TW VEHICLE *.PART OF r
THIS CONTRACT. 111110PORMATM ON fli VOIDOW'
FORM OVERRIDES ANY 10ONTWY,VROylSiO1V6 IN
THE CONTRACT OF SALE
OWN gars ocieweada rs de vehicalm wades. LA
MIFORMACWN OUSE APARECE EN LA vWAMLLA DE
ESTE V041OULD PORMA PARTS DE.EM,CONTRATO.
LA wroRMAdoN C0NTfiP11DA EN EL of
LA 11ENTANILLA AMU CUALOIJMt; WOUIE
ESTABLUCA LA CONTRARIO Y WE APAREICA EN EL
CONTRACO DE YENTA.
'Doer sat aar K pwtMeaed for esrraaeratd of aRiaerwsl cep. b
am eau, trop (e.rm 1 sew col mom araMO any asrlpee or
srlruehorR aolbt.or.Ulia.Ceabaet.arMsutra. deIsrntse.O? aMOlb
wMek youahsy Inc seslasttiw 8r We?awar/asauwoHMhwhicfr,
To cause the Saiar to ail the yettloe drnorahed on tha front of to oortrarx to line 8 dil, Wor on xe oath Parsee who SON below as a
sea ' grail [Attu the peymam of this otadracl. This Whim dtot q the Suva fab b pay any marsnysthat is owed an this odnu Act. who wAmM ar eweefeven If 41 o or OgIOr perms Y?gns t t ?werwy. Eaachap mme saplsoa that a be
VA be 1100 for she
-
balm am 010 11-01111 ft-lbilo Or Of' tQ ice) g1m lho s y?M ak"t Carle to pay one or mbi?paymlam{t, 01 gloss i'rlbaae n q?tta?
inpat to any of the ~ guarantors a (y rolsoas any sawreyr Ent Qummlor also smW that he tuts raeaiwd a cor"Isted
Of ilhia oontmct and this Guaranty at the timt of ogrrng.
Ousrsrnor Address
Guarantor Address
ArbWation it a method of imci g nny chem. die", arpmrowny (Wftc*ely, a'CiAwl without filing a lew"it in court. at her you
of seller ("in' or "Ne') (each. a "Party) may choose m any lines, khNUStryp spar a Iewsutt is filed, to hays arty OW related to pus
contract docidedlby arLitrtdiom.Suc h Claims Include out we not Nlnltld lo hire foroadng l) Chime In conxaoL tort. regulatory or ooMrwim; .
2) Glarus rageov the knforpromon, scope, or Volft of Wt dam. or arWvWilly of any issue. 31 Geimc betwom you end us.
your/edr ampbyou. a". successors, assigns, subakaares, or aMbW: sl Clairm arlsirg oul of or rsia" to Vm app Nortion to
cradil. this mnlracl, or pry motAft 7armall n or nlallone p, nmdinp thet with sha dealer, or any such relationship yrMt third pavget
who do M Sign tnrs oonlraa,
Allim
--
M e or you rr we omoae to aftrae a . than you and we agree w wake fhe following rigrta: i
- ROW TO A TRIAL, WHETHER NY A JUDGE OR JURY
• RIDhtTT* PARTICIPATE AS A CLASS A11IAIVIENTA71W OR A CLASS MlMBlR IN ANY CLASS CLAIM YOU MAY HAVE
AGAINST US WHIITHM IN COURT Oy IN ARIN TRATION
- OROAO MOWS 70 DISOOVINY AS ARE AVAILABLY IN A LAWSUIT
a RSOHT TO APPEAL TH! DECISM OR AN ARBITRATOR
- OTHER R10111TS THAT ARE AVALANX IN A LAWSUIT
Not JUVe MV "a Chum W Wbkolba you end we will oorakam to Neva, tiro fctlorrfrg riGas, wretart sea"
thin tnrosk provieton as to shy Clelm: f) right b lie bmgvplq In count V FiW to snforoe the aecurlty 0 r1 1- in to WaNda.
whether by repopasaton or tNougn a court of'Inw; 3) Right b take legal action to enforce the arbitalors• decision: and 4) Right to
of low, review whoflher the armralor esoeeded as sulloMty.
request ow i-mmmim
utloii t0 conduct tae arbitration sugaa to our approval. The sppllcaW rules (5119 " iulse) may be hed
from the Morgenb
subject
Vo Act 19 U.S.Ct &I rganixattoa If tttara is a angfW a ores tta Federal fUSts Or EvlOernpe TM arWtaboth illusion atrq bung
w "Irlon. V% w pay your total rearoraW sandon race and expanses (not inckfalrg adamay foe, emmix, whom
oppbosbW low - provides) M excess of it2S. We wit pay the whole WV toe K we demand arbitraton first. Any pates oI ft
arbitration des that is unenforceable snail be sevemo, and the rertoning-provisions shot be enforced.
'PC 7Vm pea hog.. lpm? *OWN my NOT to wor.l SEE WHIll SIDE FOR A00171ONAL ABRES ENTi
PC t7w.04 PC Ills 4mo
Exhibit B
.WN..
Ford Motor Credt Company
P.O. Bar 17048
GREENVILLE. SC 2960.-6048
(677) 805.7157
PICZBM20WX
SUSAN K. HAMMAKER
801 SAND BANK RD LOT 15
MOUNT HOLLY SPRINGS PA 17085
Dale of Ropou"Sio t Ot-07.7011
Date of Notice Dee of Contract
D I-11-2011 0155 05.2010
Account Number: 84a
Buyer SUSAN K. H MMAKER
CobtW
DESCRIPTION OF PROPERTY
Yew Mere
2010 FORD 0 Nov
? Used
Vehicle Ider0colion Number.
r
Mow
MUSTG Body
2DR
NOTICE OF OUR PLAN TO SELL PROPERTY
We have your property desedbed above Oeetuse you broke promise In our aareamul.
Fxj PIeVATE SALe: We we send tha properly easoobao ? PUBLIC SALE: We vdll eel me property detbrtbodabove at public
soon at pdhte mile, smelbne filer 15 days from We sale to eta haul bidder an the dab below for ON adiournment
Data of Notice shown above arras redeemed by you dale). The sob will be held sic folbws
prior b such aw Dade of gab Time of Sale Pitch of Serb
You may abmd the see and bring bidders If you want.
The money that we gel from the sale (after paying our costs,
including reasonable attomery'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 exam money,
unless we must pay it to someone else.
You can gat the property back at arty 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 ward us to explain to you in writing how we have figured
the amount that you trove us, you may call us at the telephone
number above, or write us at the address above and request e
written explanation.
We are send ing this notice to the following people who have an
interest in the property described above or who owe money unde
your agreement: 1) The buyer and any cobuyer reamed above;
Z) Any dealer/original creditor named below; 3) If there are other
people, they are named on an attachment sent with this notice.
NOTICE OF REPOSSESSION
The property is presently stored at: MANHEIM AUTO AUCTION
1 R
MANHEIM PA
HOW TO GET YOUR PROPERTY BACK
To get your property back pay us this ament by eeN6ed check or
money order before the veNcle is sold.
Unpaid Balance $ 25.42634
Plus Costs: Repo E1peneu y 370.00
MISC FEES S 4'60
Plus Lek Charges
Lea Finance Charge Rebab
Lose Insurance Premium Rebels
TOTAL
E
E 31.99
S 28,834.93
(Plus in"naa Incurred if default of the IIna of repossession ear ceded
16 days and lea reI received tax the dde of this notios.)
Your property want be sold unlit 16 days, after as data or this notice at
the EARLIEST. Aaerthd you con still get it book any We before it's
actually sold.
If you do, we7 have no further claim mil. But the larger you wait, the
more cow fmdudng repaint) you may have to pay.
If you have any questions occur this, plum call us.
? The property ire been (or will be) returned to.
dakr/arplnd creditor)
Under ow swurnem with your dealx/o ftinal crdflor, the doeWlarlginol creditor is to uR the property and pay you any money )ea over. If you wire money
aRer the Oak, you wtl pay it to Ow doolor/criginal creditor
0 PERSONAL PROPERTY' Any personal property faced In the vehicle may be recleaned by you villhln the rest W days or, in accmrdance with state kw, by
oantacting 11% oMos. Th outer, the peracnel property dal be 11 1 of acoordlrgly.
? Creditor hem sea" to to qu sekd inlermedwry (QI Eachwrpe, LLC) is rights (but not Its obligations) with respect to the alt of sM vehice Mind Strom
PAYMENTS: All payments to us must be by tailed check or moray, order.
MILEAGE DISCLOSURE: It you ere .ware met the nrluge reflected on the vxYcle's odometer is net occurele for any ream, plus contact us u that we
oar aceurwly report the vehlcls s maps.
INSURANCE RIGHTS: It you dm1 wand to god you property back, all the Insurance company or the duler/ononel cradaor to make sue that any insurance
has tam ancdkd. You have a dghl to get edit for dl premium refunds.
KYOIA S. EDWARD
icNA1IM47,WcaPwilourird nrrerNOTeevied. CUSTONEFUCLISTOMER FILE
PAaw,A US.A
Exhibit C
29-Mar-2011 02:34 PM Nashville Service Center 6153152809
FordCredit
Greenville Business Center
P.O. Dox 17946
Gmensvilte, SC 29808
877-805-7187
DATE: Maroh 29, 2011
'SUSAN K HAMMAKEi1
801 SAND BANK RD LOT 15
MOUNT HOLLY SPRINGS PA 17065
Auuuuiil Number. X849
The follovririg property line been w1d:
Year; Make,
2010 FORD
STATEMENT OF SALE
Model: vetitd I n0flosilion
MUSTG
Gross balance owing on your contract (f) $ 28,464.93
Deduct: Finance Charge Rebate (2) S 0.00
Balance owing prku to We (3) $ 26,464.93
Deduct: Oros proueWs of the `ale (4) $ 19,20D,00
Balenc0 leas gross proceeds of the sale (3 - 4) (5) $ 7,7.64.99
Add: Upansos of rotaking and storing, and any otbrneyW fees (6) g 1,152.88
allowed by low, and expenses of reooridlioning and selling.
Qeduct: Insurance PralrrlUM Rebels (7) $ 469,34
Other: (8) $ 0100
Deficiency'" (9) $ 7,948.47
surplus' (10) s 0.0
The Surples/DefMvnuy will ohan0a hand on monies received by us (arodits) or additional allowed expenses s Interest added to your
account (dobb).
Surplus' or Deffcienoy"
' If the sale resulted in a eurMus, a refund for The Of(erenoe will he mallad to you.
" lI the sale resulted Ina daficiancy, you shou;d immediately remit the amount shown on line 9 to the address lot
payments shown below,
For additional Information call or write: Mail doficioncy paymom to :
Ford Molor Credit Company Ford Motor Cradh Company
P.O. [lox 0508 Dept 194101
Maas, Arizona, 85216-8608 P.O. Box 55000
a(x).732-2284 Detroit, MI 48266.1 FA I
27/29
FFNA 1 tegG.PC Ool•y0 Praviutw vft w, may NOT bI URIC.
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
cILE0
Sheriff
Jody S Smith
Chief Deputy 'tl?MAY -$ AM $'
Richard W Stewart LUUH
Solicitor ?'
nNi4syl VANIA
Ford Motor Credit Company Case Number
vs.
Susan K. Hammaker 2012-1502
SHERIFF'S RETURN OF SERVICE
05/03/2012 07:01 PM - Shawn Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on May 3,
2012 at 1901 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Susan K. Hammaker, by making known unto herself personally, at 801 Sand Bank
Road, Lot 15, Mount Holly Springs, Cumberland County, Pennsylvania 17065 its contents and at the same
time handing to her personally the said true and correct copy of the same.
h
???v S TSHALL, DEPUTY
SHERIFF COST: $35.00
May 04, 2012
SO ANSWERS,
RON ? R ANDERSON, SHERIFF