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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.: F1100583
fILED-OFFICE
CAF THE PROTHONOTARY
2012 JUL -5 AM 11: 35
CUMBERLAND COUNTY
PENNSYLVANIA
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
FORD MOTOR CREDIT COMPANY LLC
Plaintiff
vs.
RONALD EUGENE STINE a/k/a RONALD E STINE
Defendant
No. 10.wulg
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 m
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 ag
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 LA ER
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 ban 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 ase tar
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 med das
y puede continuar la demanda en contra sya sin previo aviso o notificaion. Ademas, la corte puede decidir a favo del
demandante y requiere que usted cumpla con todas las provisions de esta demanda. Usted puede perder dinero 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 C?
32 South Bedford Street /D/?d
Carlisle, PA 17013 /
Telephone: 717-249-3166 7,36
?'? a?7 5 S(P
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.: F1100583
Attorneys for Plaintiff
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
FORD MOTOR CREDIT COMPANY LLC I
1335 S. Clearview Avenue I No.
Mesa, AZ 85209 I
I Term
I
Plaintiff(s)
CIVIL ACTION
I
V.
I
RONALD EUGENE STINE a/k/a RONALD E
STINE
I
Defendant(s)
CIVIL ACTION COMPLAINT
1. Plaintiff, FORD MOTOR CREDIT COMPANY LLC , is a Corporation with its place
business at 1335 S. Clearview Avenue Mesa, AZ 85209.
2. Defendant, RONALD EUGENE STINE, is an individual who resides at 2827 SHIPPENSB
ROAD, BIGLERVILLE PA 17307.
3. At all times relevant hereto, the :Plaintiff was in the business of loaning money on motor
of
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 3, 2010, the Defendant(s) entered into a written Motor Vehicle
Installment Contract, Account Number 48063000000045722555, (hereinafter referred to as
"Contract"), for the purpose of obtaining financing in the amount of $23,213.38 at an
percentage rate of 16.19%, in order to purchase a certain motor vehicle, 2010 Ford Focus,
particularly described in the Contract (hereinafter referred to as the "Vehicle"). A copy
Contract is attached and marked as Exhibit A.
5. Pursuant to the Contract, Defendant(s) was required to make monthly payments in the amoun? of
$505.97 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 July 1, 2011, but has failed to make any
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
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
A copy of the notice of repossession and notice of sale date are attached and marked as
B.
8. The Defendant(s) failed to redeem the Vehicle and the Vehicle was sold at auction with a
given to the Defendant(s) in the amount of $13,200.00, however a balance of $9,004.98 is
due and owing, and a notice of the deficiency balance was sent to the Defendant(s). See cop 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
including any balance that may remain after the sale of the vehicle, and the Defendant(s) faile4 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 whicl}, at
this time amounts to $1,442.93 and which will continue to accrue.
11. In addition to the foregoing, there is due from the Defendant(s), reasonable attorneys fees in
amount of $2,251.25.
12. The total amount due and owing at the date of this complaint is $12,699.16.
WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant(s), jointly
severally, if more than one, in the amount of $12,699.16, well as any additional interest and costs
may accrue and such other and further relief as this Court may deem equitable and just.
S AR - M {IND
Date: June 7, 2012
Andrew Sklar, Esquire (ID #65332)
Lloyd S. Markind, Esquire (ID #52507)
Attorneys for Plaintiff
102 Browning Ln, Bldg B, Ste
Cherry Hill NJ 08003
856/616-8710
VERIFICATION
I, o R WE , 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 Complaint are true and correct to the best of my
knowledge, information and belief.
These statements are made subject to the penalties of 18 Pa.C.S.A. §4904 relating to unsworn
falsification to authorities.
BY:
Representative of Plaintiff,
FORD MOTOR CREDIT COMPANY LLC
DATE: JUN 15 2012
48063000000045722555
Our File No.: F1100583
RONALD EUGENE STME a/k/a RONALD E STME
Exhibit A
PENNSYLVANIA SIMPLE INTEREST VEHICLE RETAIL INSTALLMENT CONTRACT DATE_
1200777-7000 D9uwrRq LPaU»I MvN wd MJNa M1aLk CJ•F ad aFLLEPA:aNROP Wee Nae n
RONALD ELMENE STINT NEYSTtYIE FORD
146M LURGAN RD 311 YALNIR ROAD
D00gTONN PA FNYNLIH 17211-0000 DIYIBERINUM, PR 17001
FordCredtt
3R Pwaki O APMrq
o aa.ke
2 Oar Paymi ___`?•-?-_-_-_•u- INSURANCE PROM A PERSON OF
TNN May RebbAnlaasdb Behr._.._._____.._._3 3.0".00 YOUR CHOICE.
L'ABLI7Y INSURANCE OOVERAOE
D,
TnMN ?B WOff 12t.6BB.00 Q7.900 1 N/P' FOR BOOILY WIRY AND PROPERTY
w:aeala. wnaAbw Anon 'P DAMAGE CAUSED TO OTHERS IS NOT
INCLUDED.
]. Wpb ar•ee•w ceae w. (t Irknn P ........_........_A 16, 415.00 pl CRWn LIME, CREDIT OIaAINLM AND
I. Ameeml"A, n wbNatl(anu, M M MNPAE a wRAa+i_PP-A-) OTHER OPTIONAL INSURANCE ARE
TP PMN Oft- NOT RED OW TO OBTAIN CREDIT
j (A lo- laawp NIP 1, I;FaO ?2. BI I.a AND WILL NOT BE PROVIDED UNLESS
4 nyiaum U _ ).I- SE•i] ? YOY SIGN AND A01151 TO PAY THE
Id la Saas NN b?R__ PREMIUM.
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NO•PMOOHFICATION DISCLOSURE
M u?a9.wa..?ln,,nW?ar?uP M?b ^wLnN}e.-PMaWdNlm ?dro OMq.
NTH- V?CY'.. C.P- x
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YOU ACK40W EDGE THAT YOU HAVE REAL AND AGREE TO BE BOUND BY THE ARBITRATION PROVISION ON
TIE REVEF16E NDE OF THIS CONTRACT.
The anlWl P-1-ge Ralf may M mpaied P Ah me 60v. The BANK may assign the as meav, end may Min
m HoY IA I.oatw a pwtlan M de FleanOe CIYrgA
Do not Ngn thla .-t W In blank. You are entitled to an e..Ol copy of the contract that you Sign.
Keep It to proleel your legal rights.
aW..? '? caawax
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Buyer (And C"uyar) acknowledge that 11) baton alenino mla conlraoL Buyer (mewl C.Buyer)
racNyed and ravknued • Erase and eomPlelely U ,g copy M this contract and (a) at the am
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cknino thle contract, Buyer pled CO-Buyer) received A Inge and completely fifled in copy of this
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nYkY nrNYWf. pNaarxd M arYXaYI wFn maaaegm bN
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pnw+We wM wY wy MYIa =Nn{{M. U[Y'AMPMn < -.1
YN WrNYp. mn wn •Jb'uMNn. rdYtlYpa rumap Yn a maun?
Pwne W rJw «robb NraLn. w ?MSa m wmrnr y.N Nu??
[tarty[ M a wtM.
O.ANXGYp LMV:Yw+y N1:Ne<mYNU wiYN pwarxa
Ov NN Nw p YN W10 n' Y[Mwvlvwn.
P. OrnYa:IN r}WYnr. [o•Wnn lrewym npnwwN LVlwarr
Sq•« «M yn'1 wb4p w Yle aNn NU YI•Jrrxy W VN wAw
wM 1• iM Y nNN'.'IM!r<Y LBnXnrt 1 Ye. A M[P• aMn
an rY«NrhF• Van Irrr.6«nr»narMC?xur}Nine' YMNtl'arwrr.
M' bt pY rn11 w: NrrWt waY 'm{ pwrYM: N •11•Wmr
MywY'. A: Jve Mu ?MYI» 01 Eict«rW. n M faer[Yt
ewn?irwrlMYr%I. rlrMaaq YU wW'.m• M4!W •:1'NS r[nN•t
nMN
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MmaNYN b eq PN A, N/rgm,ar. pun N w- w
rmuP? Yro m.- m Wx e: e'rv wbrrmnt M
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earl xA INlke LMpRN?diiooY[MM rrcWMp wN axRPYnw: d Ne
eMrr[Y apwNn VN VtlWNr'YrulOan pwapM lya ca'•Jnn.
GUARANTY
'1'u raYeN pY Saka In tW ale wYkie mrJW1m VeImmN MtY+eWne VV irrIY pn114 YNA: pnnvl wfq apnN bubN aeY
"GYrHrmY' pWMWa Mn pe/mml rx r6 wraraq- tM ruwrN pW r! •Jre yYyrr Wr le 1•ev ary m[+NYSVn: ra ms'Pe of RN ronwr:.
e M pwfNr nNa Ypne m a INtlY•br wp px Y wpm x1rxL E•d. (iwr.Yw wM elpN lobe ayrro aAr M Na M WN•'p B'r
Mtln NmWa nMU <+wY pW w PNro OYYII MItYM Nx PIIN NN (i•erpMY• EMr OMrN/w NYA Nyo1a N M MW Vw+r q Y+•
SNW AlN MN w mnM N lM bpwrq lel pws pe tlYyM nlPrn vrYx to pay wn w •w< pnYmtlr.[, w (PI pwa u nWNnn V by a
n rMl'q axy M W WI•w DWYMtJn, a ([} renhN[N rry xwxry EMx Gu«rpN al ! wbY <w Yn lui NvnrM V mmpMxw( rpry
M tlia mrJn(• an ra OnMamY N I/a Vm a' elpnrq
E I A B RA P F Y MW Y
A
AMn.- n n mpJ,=K 1wtlw9 m1 daw rNeur< N aarYlwMN YMeetn q.1'Ch-, 'I Mpow WOO IM}W w -1 E.- You
. e'Rlnyl rlav eFwa• p a'Y 11•Y. MNNYrII rplN a YMNM is %wl N nxP YN (:L . uAWx N wa
W Sow, 1 i-11
I rlKn=M NW rNn. b•rdr Gnuv Y4YNPM1o-INn m:Xmirex b pn. WmlrrW 111}«nr Nn•nlN Mr[rmarYSp•I wrAnmNn
M:xxn ynu N n , [?
21 CWw IN C
'nlyrrlNp Yn YmRwWbn. N[A, •v rtlMY N err xrux er waTmlXy W my Mmn Wra
ywr/pY «nrbwx. Nmrc. rwrxMrt Ywn. NJrSaIwMr « eYYrw: el Q1W[ oxNNp as W a rry laD ar Ycur awHw
app4 arty <aNM4 M 1« raa'rrp YamP[Nn n rwltrMlo-p, rtl«plp IrN MY. YN'pYp. p my rNw rtleyM•Np wW wnl pwms
n po rw Non :Ma rKMCI
Y nMIW Ypr p Nr wwrx YNYVe n A1w. IMr w am w apw'u wwp N1 WN«NV rY1Mn
GHN TO ATRIMATWHXYMN T AD A BYS JUDO!DRJURY
FUG HT Oft M AREMTAIN! OR A MASS NEWER W AMY CLASP CLAIM YOU MAY HAVE
AGAST
E-UP $ TO O IN A WHIT OR VEAV NT AS URT I ARGENA
• DRDAOo APPMYO EOECISARE A9 N
ARBITRATOR ALAWWIT
RpM TO T A AVAR. Of I MBIWSUIT1
• OTNlR RIDHTS KTi THAT ARE AVNLApI! W A LAWSUIT
RYM1I• Yeu MA Wr Oe Nal Ok• Wr r• • f m is nNV•rrta0. yw Mq rm rY eYrawa •n nAn re mwwMV ayrla. +.+Yva.r :rsw.p
NbplNwr pMNN• Fs In aM J•M 1) N!rf•1 n W n.N41aNY n we.YI Ny-. !Y nrhvM V n enwaYy YWwuti Yr Mw •rawJ9,
rncaWxr w?gr n mw al Mw. JI Ixryx N Ire peY p4r N Nnbrn Ifn NauMUS rq[wn; nm al IYlYx W
my«x•. mP. r'ww W urw?M•a. wfx•FN Un NMJUwr aMaNM x .urea'.,!. '
w wewY fN pke'Irn rv [wpfil'M YlMaka• rwwa b Mr Mprxa\ 1M ryruwr ruWf Ilq v1anY i rw% M rT_,wA
n? LrrledM a+wNaMm I' Yam N n expo bdw.Wn tl<ILNS N'I Na eOnYMI. Y 'ar. aNr pxPr l
IWW
x%ndMJN frWN Aawnxw M•1y V.b.f..j1N M/ae awbxal llWae'YVYWw.IMMYdm Yaa<an tnMlMMnrNrnq
roll n W91wp'Y r[Na[rr IVN Ntl IYN Nu[[ ...a 4Y n 111 f rYwnMYN MN1a'wr MMS aM aNlYnua UN rMYVMNyiwwYy'g1?. VMaI:'wwMr
appcMW Nw p1Mrw.Mr pMYMaI IEV YlN wN NY sty cNwn Wry Ix u rm otlm= MwrNNr rnr: Arv LNNwI A wl
BACKER ALL PTS INEAD TDNEAO) B SCREE
fri. rPWN iXXtYNI yanlNXMI. ANIF.EYBNr<
50%
.: .. '.
"11DOD4793 44K
%
Q
F A.
-
-------
-
-----------------
ADDITIONAL AGREEMENTS
A. Payments and Summary -Notice: You must make all pay- .G. Returned Insurance Premiums and Service rar3t
ments in U.S. funds when ,theygare due. You may prepay your Charges: This contract may contain, charges for insure
r
th
th
Y
a
t th
t
t
i
? rice,
611
er connec
ou
g
ee
a
ce coNrile
s, or o
s.
e
Ttis is a simple interest contract. serv
debt a; any time wiUmur penatiy. ar
The actual finance charge you agree to pay will depend on your can Calm benefits under those contracts and unless prohl Iced
payment patterns. Theo actual finance charge may exceed IN by law, terminate them to obtain refunds of unearned cha 10
disclosed Finance Charge it'you make your payments later than reduce whet you owe. If the Sailer gets a refund an insur noe.
the scheduled dates or in less than the scheduled amount. Your service contracts, or other contracts, the Segerwill aubtractit from
payment will be applied lira: to tyre earned and unpaid part of the what you owe. Once all amourns owed under this contrac are
Finance Charge and than to trio unpaid Amount Financed. The paid, any remaining refunds will be paid to you.
Finance Charge is earned by applying the Annual Percentage
, r..
Rate to the unpaid Amount Financed for trio actual time that the H. Default: You will be in default if:
unpaid Amount Financed Is outstanding. It the vehicle is repos- 1. You do rat make a payment when It is due; or
You gave false or misleading information on your are
2
t
•
sessed, you will not hmre:rho right to reinatate the contract unless
the Seller agrees. application relating to this contract: or
3. Your vehicle is seized.by any local. state, or federal
B. Balloon Payment Contracts: It your last installment payment authority and is not promptly and unconditionally rat ed
under this contract is a balloon payment as indicated on the frord to you; or
of the contract, you may handle the last Installment payrnenr in 4, You Hie a bankrupley petition or one is filed agalrtst yo
u: or
one of three ways. 5. You do not heap any other promise in this contract. -
If you default, Seller can exercise .:Seller's lights under this
Firs you may pay all that you owe when the last installment contract and Seller's other rights under the iaw.
payment is due and keep your motor vehicle. L Repoasesslorl, If you default, tie Seller may require y ' to
Second, you may refinance trio last Installment payment unless pay at once the unpaid Amount Financed, the "Mad and
all other amounts duo io
pan of the Finance Charge
and ipaid
this
s-
s
oooo. S
you.ars in default under bk.contract. If the Seller has advanced contract.
vehicle. too.
the
Sailer
eller
goods found fouund nd in o in or o on n the vehicl The vehicle
funds to cure anY default, you must paY may back the Seller before may alsasso take
?
when
reposse mod
the refinancing. You also must provide proof of insurance accapt- and hold them for you.
able to Seller before. the rlefinanclng. The Annual Percentage Rate
(APR) for the refinancirt will be the lower of the APR awed to J. Your Right To Redeem: If the vehicle is taken back, liar
by you and the Seger at the time of tiis retinarcing or the will send you a notloo. The nodce will say that you may eem
maximum rate permitted by taw. The farm of the refinancing will (buyback) the vehicle and will explain how to redeem the Val isle.
be based on the amount refinanced, the rate, and the amount of You may redeem the vehicle up to 00 time the Seiler sells It or
Iho-motthly.papmenl-Tire refinanced monthly payrrant shall be, agrees to sell K. It you de, not redeem the vehicle, it will be said.
ltie samea, in tie-coguacl.H.she refinanced amount.will be fully
paid within 38 months of the due. date of the Inst• installment K. Disposition-of -Motor Vehicle: If .the vehicle is taken
ck
payment. Otherwise, the monthly payment amount shall be the and sold, the money tram the sale, leas allowed expenses , "
amount needed to fully pay the refinanced amount within 36 be used to pay the amount still owed an the contract. Alit
expenses include those paid as a direct result of having to n wed
take
months of the due date' of the last installment payment. If you
wish to refinance, you must notify the Seller in wtting. Except as the vehicle. hold ft, prepare h for sale, and sell it. Pleasor
' able
discussed in this section, the notice mus be received no later lawyer's lees and legal costs are allowed, too, H there
money left a (surplus). it will be paid to you. lt ft-nappy
installment
a
tttent
ate 01;he any
koifi_ _. .
-
p
y
.
the sale is not enough t?o pay bit this contract and coals, yo
?wi l
Third you may sell the vehicle to the Seller for an, amount equal pay what is still owed to the Seller. If you do not pay this a
the Seller may charge you intense.
when the Seller asks
iFe aunt
tine
,
to
last Installment payment. You must pay to the Sailer any
other amount owed under this contract. Amounts you owe will be highest lowiul rate until you pay.
based, in pail. on the vithicie's mileage. You also must pay to L. Collection Costa: Except as otherwise provided by low , you
the Seger the estimated costs. of all repairs to the vehicle that are must pay any and all axpenses related to anfoutng this con
the result of excess weal and use
as set iorth below
You must
' act,
,
.
fees and 'other
including collection expenses, lawyers
take the vehicle to a .place smeared by the Seller for inspection egal
expenses.
no later than IS days prior to the last matelimert payment due
date. Attar the inspection. If you decide to sell the vehicle to the M. Consumer Reports; You authorize tote Assignee listed o the
Seller, you must give the vehicle to the Seller no later than the front of this contraci to obtain consumer credit reports from con-
last Instalmem payment due date. At total time, you must also sumer reporting agencies (credit bureaus) for any reason a at
give the Seger a fide, which shores no liens other than the Seller's am time in cornscuon with this contract.
Iles, transferring ownership to the -Seger or a person selected try
the Seger. After the inspection, if you decide not to sell vehicle N. Servicing and Collection: You agreeihatGradnor. Cie r"s
to the Seller, you must immediately contact the Seller and Inform affiliates, agents and service providers may monitor and
Me Satter whether you went iii refinance the last installment
t
, th
di
l rd
f
to assure
ng your accoun
e q
ls regar
telephone ca o
payment- our service or for other reasons. You also expressly conser and
reditor. Creditor's affiliates. agents and se
agree that Iasi
C
C, Damage R fafr: if last installment pa under this
your Yn?arrt rovrdsre m use written, electronic or verbal means to co tact
-co nIct-ib a-bafloor payment and you Sell the vehicle back to you. This consent includes, but is not limited to. contact by nual
the Seger under Paragraph B, you are responsible for repairs of caging methods. prerecorded or artificial voice massages, taxi
all damage to the vehicle chat tvo not the result of normal wear massages, smalls and/or automatic telephone dialing avst ,ms.
and use. These repairs Include, but are not limited to, those You agree the', Creditor, Creditor's affiliates, agarte and se '
necessary to: , providers may use any email address or ary telephone ne er
(1) replace. any tine rot p®n of a snatching set of tour or any fire you provide, now or ir the future, including a number for a as lular
which has lose than 118 inch of remaining tread: phone or other wireless device, regardless of whether you i ncur
(11) repair all inechanical :defects; charges as a result.
fni}repair-orreplace-ell-deritetl; scratched, chipped, rusted or
mismatched body panels, pair, or vehicle identification item; O• Applicable Law: You agree drat this contract will be gov ed
all dented, scratched, rusted. pitted, broken or missing trim by the laws of the state of Ponneylvania.
and grill work; all scratched, cracked, pi led. or broken glass; P. General: This contract contains the entire agreementbe ar.
all faulty window mechanisms: all broken or burned out IightR; Seller and you relating to the sale and financing of the for
i
all electronic- meitureUOns;-alt interior-rips, stains, -'burns or vehicle. H any part of this contract is not valid, all otherpar't tay
worn areas: and' all damage which would be covered by valid. If Seller doesn't adorCe Seller's rights every time, ler
collision or oompretirsive insurance whether or not such can still enforce them later. Seller will exercise all of Sellarrs ghts
insurance is actually force. in a lawful way.
If you have not made the repairs before Inspection of the vehicle If the last installment paymerr under this contract is a bal
payment, Assignee has assigned to QI Exchange, in, its cap
-
loon
icity
Para B,
under graph you will owe ft estimated coals of such as Assignee's qualified intormodiary, its rights (but n its
repairs, ever. H the repairs are not made prior to your sale of the obligations) with respect to the purchase and sale of :his vat e.
vehide m the Seller. It you disagree with the estimated costs dill
repairs, you may have a repairs made at your expense prior to Suver acknowledges and accepts assignment of this con to
our sale of tine vehfds. the Seller. the Assignee (and any successor to Assignee). Buyer lso
'=,Your.sal?bkthievehudeaofhe;8elkr `__ _. .. _ -•
0. Security lnterast: You give the Seller a security interest in:
1. The vehicle and all parts orother goods put on the vehicle;
2. All money or goods received for the vehicle: and
3. All -insurance premiums and service contracts financed for.
you.
This secures payment.gqf all amounts you owe under this contract.
It also secures your oftSer agreements in this contract.
aooepis this provision ds. notloo 'ot any suchr -by
Aasignse or anyone else without furttter noires:-t "Buyerl1ws
consent and notice specifically includes any .ass nment.of the
security interest in ihe•vehide imatacedpursuant.to tdia•eontract.
E. Use of Vehicle • Wanartties: You must take care of the
vehide and obey all laws in using it. You may not sell or rent the
vehide., and you must keep ); free from the claims of others You
will no, use or permit the use of the vehicle outside of the Unrisd
Slates, except-for up to 30 days in Canada or Mexico, without
the prior written consent of the Seller. lithe vehicle is of a type
normally used for personal use and the Seller, or the
vehicle's manufacturer. extends a written warranty or service
contract covering the •vseliicM w whin 90 days from the date of
phis contract. you gat Implied-warrantles of merchantability
and bliess for a particular purpose covering the vehicle.
Otherwise, you understand and agree that there see no such
Implied warranttea, except as otherwise provided by low.
F. Vehicle Insurance-. You must insure the vehicle against loss
or damage from collision. fire or theft. You must name Seller as
the toss payee under the insurance policy. The Seller must
approve tho type and amount of insurance. If the vehicle is lost,
damaged or destroyed, you must pay the Seller what Is still
owed.
You agree that the Seiler can make a claim under the insurance
policy. You authorize the insurance company to provide Sorter
any iniormation Seller believes necessary to make a claim. You
must use insurance proceeds to repair the vehicle, unless the
damage to the vehicle is considered a total loss. It the damage
to the vehicle is considered a total loss, you must use the
insuranee-.proceeds to pay what you owe the Seller. If your
Insurance on the vehicle doesn't pay all you owe, you must pay
_ - -rNfla:ie Sltlf.OWBO._
NOTICE -ANY HOLDER OF THIS COHSUM CFiEOf;
CONTRACT IS SUBJECT TO ALL 'CL S AND
DEFENSES WHICH THE DEBTOR COU ASSERT
AGAINST THE SELLER OF GOODS OR ERVICES
.
OBTAINED PURSUANT HERETO OFt THE
PROCEEDS HEREOF. RECOVERY HERE NDER.BY
THE DEBTOR SHALL NOT EXCEED AMO WS PAID
BY THE'DESTOR HEREUNDER.'
Used Motor Vehicle Buyers Guide. If you &!b ying a
used vehicle with this conb'act,_federtl regu i .-May
.
require a special Buyers Guide to be disp! il .
od on the
window of the vehicle. THE.iNFORMATIO I Y. SEE,ON
THE WINDOW FORM FOR THIS VEHICLE i PART OF
THIS CONTRACT. INFORMATION ON TH 'WINDOW
FORM OVERRIDES ANY OONTRARY"PRO IS" IN
THE CONTRACT OF SALE
Gulls pera cornpradors de Velllptloe aldos, LA
lNFORMACION QUE APARECE EN LA VENT VILLA DE
ESTE VEHICULO FORMA PART-E DE ESTE. ONTRATO.
LA INFORMACION CONTENIDA EN EL FO LARIO D.E
LA VENTANILLA ANULA CUALOUIER PR S10N OUE
ESTABLEZCA LO CONTRARO Y QUE APAR ZCA EN EL
CONTRATO DE VENTA_
-Does not apply if purchased for commerdel or agric Mural use. In
Thal case, you (debto0 will nee assert against allassignee or
subsequent holdet.of.this.Costrsa airy claims, defy es,=br-Mdb
which you may have against theSeller-or manuraeturer aillhevohiciiii,
GUARANTY
To cause the Seller to sell the vehicle described on the front of this contract to the Buyer on credn, each person who signs belovr as a
"Cwaramor" guarantees the payment of this contract. This moans that if the Buyer tails to pay any money that is owed en is contract,
each person who signs as a guaranfor will pay it when asked. Each Guarantor who signs below agrees that he will be 1 two tot the
whole amount owed even If one or more other persons also signs this Guaranty. Each Guarantor also.agrreas to be Gtr
r one or more of the o owmo fell gives the Buyer more time to pay one or more oaymsnls, or (b) gives a raWa a in full or
in part to any of the outer Guarantors, br (c) releases any security. Each Guarantor also states that he has reserved a oo ted copy
of this contrnc. and this Guaranty at the lime of signing.
Guarantor Address
Guarantor Address
READ THIS ARBITRATION PROVISION CAREFULLY AND IN ITS ENTIRETY
ARBRRATION -
Aroilretion is a method of resolving any claim, dispute, or controversy (collectively, a 'Claim') without filing s lawsuit in court Either you
or Sevier ("us" or 'we') (each, a `Pamr) way cnoose at any Ume, indudn9 offer a lawsuit is filed, to have any Claim re wed to this
contrad decidedjby arbftration..Such Chime include but era not limited to the fol irAng: 11 Claims in contra:,, tort, regulatory o otherwise; .
2) Claims regarding the interpretation, scope, or vaNdlly of this clause. or arbitrabiity of any issue; s Claims between u and us,
your/bur employees, agents, successors, assigns, subsidiaries, or amriiates; #) Claims arising out of or rebating to your a ication for I
credit. This contract. or any resulting transaction or relationship, including that with the dealer, or any such relationship with ' ird parties
t
who do not sign tnls contract. i
RIGHTS-YOU AND WB AGREE TO GAVE UP
if either you or we choose to arbhralo a Claim, then you and we agree to waive tie following rights:
RIGHT TO A TRIAL, WHETHER BY A JUDGE OR JURY
. RIOHTTO PARTICIPATE AS A CLASS REPRESENTATWE DR A CLASS MEMBER IN ANY CLASS CLAIM YOU AY HAVE
AGAINST US WHETHER IN COURT 08 IN ARBITRATION
• BROAD BIGHTS TO DISCOVERY AS ARE AVAILABLE IN A LAWSUIT
• RIGHT TO APPEAL THE DECISION OF AN ARBITRATOR
OTHER RIGHTS THAT ARE AVAILABLE IN A LAWSUIT
Richtts You And We Do Not dive Uo: If a claim I. arbitrated. you and we will corrinue W have the following rights, with waiving
this arbitration provision as to any palm: 1) bight to file bankruptcy in court; 21 Right to enforce the security Interest in ore vehide,
whether by repossession or through o court of -law; 3) Right to take legal action to enforce the arbitrator's decision: and ) Flight to
request that, a court '01 law review whether the arbitrator exceeded its authority.
You may shoos ttio organization to conduct the arbitration subject to our approval. The,applicable rules tthe "Rules) may a obtained
from the select organization. If there is a conflict between the Rules and this contracl, this contract stwl govern. This ontracf is
subject to the F t U.S.C. § t of sec.) and the Federal Rules of Evidence. The arbitration decision shall in writing
with a supporting opinion. We will pay your total reasonable arbitration tees and expenses (not Including attorney fees, a p. where
applicable law ottnarwise provides) in excess of $125. We will pay the whole filing fee if we demand areitraticn first. Any p on of tnis
arbitration clause that is unenforceable snail be severed, and the refraining provisions shall be enforced.
FC T71417Vl M 19)' (PimicAs C®horn omy WT Gel uso.; SEE 07 HEM SIDE FOR ADDITIONAL AG3EEMEIM
FC 1707.9-S6'FC 176?7.RCO
Exhibit B
"'PRN"'
Ford Motor Credit Company
P.O Be. 17948
GREENVILLE. SC 29606-8948
(877) 805-7187
PILOVZOO200040
RONALD E. STINE
2827 SHIPPENSBURG ROAD
BIGLERVILLE PA 17307
Date of Repossession 07-01.2011
Date of Notice ]-Ieo' Conhad
07-06-2011 --2010
Account Number:
Buyer RONALD E. STINE
Cobuyw
DESCRIPTION OF PROPERTY
-
Year
2010 Make
FOR E.-
? Used
Vehicle Identification Number.
Model
FOCUS Body
4DR
NOTICE OF OUR PLAN TO SELL PROPERTY
We have your property described above because you broke promises in our agreement.
Mx PRIVATE SALE- We will sell the property described ? PUBLIC SALE: We colt 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 nail 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 IageI expenses if
permitted by law) will reduce the amount you owe. If we gel
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 alt 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 RD
MANHEIM PA
HOW TO GET YOUR PROPERTY BACK
To get your property back pay us this amount by certified check or
money order before the vehicle is sold.
Unpaid Balance $ 226208094
plus Costs: Rep. Expenses $ 225600
$
Plus Late Charges $ _ 2024
Less Finance Charge Rebate
Less Insurance Premium Rebate
TOTAL $ 22,454.18
(Plus expenses Incurred If default at the time of repossession exceeded
16 days and less rebate received after the date of this notice.)
Your property won't be sold until 16 days after the date of this notice at
the EARLIEST. Aber that you can still gel t back any time before its
actually sold.
If you do, well have no further claim on it. But the longer you wait, the
more costs (ktduding repeirs) you may have to pay.
If you have any questions about this, please call us.
? The property has been (or will be) returned to:
(deelerlodglnal creditor)
Under our agreement with your dealedoriginal creditor, the dealer/original creditor is to sell the properly and pay you any money left over. If you owe money
otter the sale, you veil pay it to the dealerlodgmal 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 vehicles 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 dealerlonginal creddcrto make sure that any insurance
has been cancelled. You have a right to gel credit for all premium refunds.
KYDIA S. EDWARD
FFNA i 1OW37 Jan 02 Prexous ediuom may NOT be used. CUSTOMERICUSTOMER FILE
Printed in U.S A
Exhibit C
FORD MOTOR CREDIT COMPANY
P.O. BOX 31111 STATEMENT OF SALE
TAMPA, FL 33631-3111
Date: August 24, 2011
Account Number -?
RONALD E STINE
2827 SHIPPENSBURG ROAD
BIGLERVILLE PA 17307
L ?
The following property has been sold
Year: Make: Model: Vehicle Identification Number
2010 FORD FOCUS
Gross balance owing on your contract (1) $ 22,229.18
Deduct: Finance Charge Rebate (2) $ 0.00
Balance owing prior to sale (3) $ 22,229.18
Deduct: Gross proceeds of the sale (4) $ 13,200.00
Balance less gross proceeds of the sale (3 - 4) (5) $ 9,029.18
Add: Expenses of retaking and storing, and any attorneys' fees (6) $ 459.75
allowed bylaw, and expenses of reconditioning and selling.
Deduct: Insurance Premium Rebate (7) $ 483.95
Other. (8) $ 0.00
Deficiency" (9) $ 9,004.98
Surplus" (10) $ 0.00
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 online 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 194501
Mesa, Arizona, 85216-6508 P.O. Box 55000
877-492-2865 Detroit, MI 48255-1945
FFNA 11990-FC 01/04 Previous editions may NOT be used.
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1 -r E M 111 fY
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
-s
f R
2012 JUL 17 AN 9: c 6
CUMBERLAND COUNTY
PENNSYLVANlPA
Ford Motor Credit Company Case Number
vs. 2012-4168
Ronald Eugene Stine
SHERIFF'S RETURN OF SERVICE
07/11/2012 11:21 AM - Dennis Fry, Deputy Sheriff, who being duly sworn according to law, states that on July 11,
2012 at 1121 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Ronald Eugene Stine, by making known unto Sharon Stine, Mother of Defendant at
2827 Shippensburg Road, Biglerville, Cumberland County, Pennsylvania 17307 its contents and at the
same time handing to her personally the said true and correct copy of the same.
RY, DEP
SHERIFF COST: $50.45
July 12, 2012
SO ANSWERS,
RON R ANDERSON, SHERIFF
Ic Co';, ,Suite Snenft 1e'eoS.ott !n;;
IN THE COURT OF' COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL~/ANIA
CIVIL ACTION -LAW
FORD MOTOR CREDIT COMPANY LLC I
I ~ ~5 ~~. Clearview Avenue I No. 12-4168-CIVIL
Mesa, .A%, 85:09 I
I
Plaintiff(s) I
I CIVIL ACTION
I
v. ~ PRAECIPE FOR WR][T OF EXECU~hION
~ (Money Judgment)
RONA,L.D EUGENE STINE a/k/a RONALD ~
E STINE I
2827 SHIPPENSBURG ROAD ~
BIGLERVILLE PA 17307 ~
Defendant(s) ~
TO THE PROTHONATORY:
(1) Issue writ of execution in the above matter, directed tc~ the Sheriff of CUMBERLAND County,
against RONALD EUGENE STINE a/k/a RONALD E ST'INF, ,defendant(s)
(2) and against. ORRSTOWN BANK, 427 VILLAGE DR, CARLISLE, PA 17015 gan~nishee.
AMOUNT DUE
INTEREST
from:
September 21, 2012
PLt1S COSTS
~ a4.ao ~~.a4~.
~S"~.yd'_ C'~c-f ~ .
Iv 3.75 - ~~ ~~
qtr. s~ - ., ,~
a. ~~ - ,~
~~~zs ~o
• S D ~ ~- Dated: October 17, 2012
FILE NO.: Fl I'-0583
c ~~ sYs ~
~ # aSa-2~8
$13,163.49
$`>6.06
And `Sklar, Esquire (ID #65332)
Llo .Markind, F,squire (ID #52507)
Jord W. Felzer, Esquire (ID #386701
Attorneys far Plaintiff
Sklar .,, Markind
102 Browning Lane, Building B, Suite 1'
Cherry Hill, New Jersey 08003
(856) 616-8'710
.,~.
O
~ r ~..-,~-~.
~~..:
1V ',rsr
fV
~ <<~ ~.
..~: c~~-~°~:
~ ~
IN ~T~HE ('OURS' OF' COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLV:~NI,A
CIVIL ACTION -LAW
FORD MOTOR CREDIT COMPANY LLC : No. 1:2-4168-CIVIL
1335 S. Clearview Avenue
Mesa, AZ, 35209
Plaintiff(s)
v.
RONALD Et1GENE ST~INE a/k/a RONALD E
STINE
2827 SHIPPENSBURG ROAD
BIGLERVILLE PA 17307
L)efendant(s)
WRIT OF EXECUTION NOTICE
THIS PAPER IS A WkIT GF EXECUTION. IT HAS BEEN ISSUED BECAi1SE THERE [S A JUDGMENT
AGAINST YOU. IT A~IAY CAUSE YOUR PROPERTY TO BE HELD OR TAKEN '~I'O PAY THE JUDGMENT.
YOU MAY HAVE LEGAL RIGHTS TO PREVENT YOUR PROPERTY FROM BEING TAKEN. A LAWI~'ER
CAN ADVISE, YOU MORE; SPECIFICALLY OF THESE RIGHTS. IF YOU WISH TO EXERCISE 'Y'OC1R
RIGHTS, YOIJ MUST ACT PROMPTLY.
THE LAW PROVIDES THAT CERTAIN PROPERTY CANNOT BE TAKEN. SUCH PROPERTY IS
SAID TO BE EXEMPT. TI-IERE [S A DEBTOR'S EXEMPTION OF $300.00. THERE ARE OTHER
EXEMPTIONS WHICH MAY BE APPLICABLE TO YOU. A SUMMARY OF THE MAJOR EXEMPTIONS ARE
LISTED BELOW. YOU MAY HAVE OTHER EXEMPTIONS OR OTHER RIGHTS.
MAJOR EXEMPTIONS t1NDER PENNSYLVANIA AND FEDERAL LA~'/
i $300.00 STATUTORY EXEMPTION
2. BIBLE, SCHOOL BOOKS, SEWING MACHINES, UNIFORMS, AND EQUIPMENT.
i. MOST WAGE AND UNEMPLOYMENT COMPENSATION
~l. SOCIAL SECURITY BENEFITS
CERTAINf RETIREMENT FUNDS AND ACCOUNTS.
~i. CERTAIN VETERAN AND ARMED FORCES BENEFITS.
7 CERTAIN INSURANCE PROCEEDS.
SUCH OTHER EXEMPTIONS AS MAY BE PRO`/[DED BY LAVV
IF YOU HAVE AN EXEMPTION, YOU SHOULD DO THE FOLLOWING PROMPTLY: {1 j FILL OUT
THE AT"I~ACI{ED CLAIM FORM AND DEMAND FOR A PROMPT HEARING; (~) DELIVER TI{lE FORM OR
MAIL 1T TO TIIE SHE'RIF:F'S OFFICE OF AT THE ADDRESS NOTED.
YOU SHOULD COM~~ TO COURT READl''i'O EXPLAIN YOUR EXEMPTION. IF YOU DO NO'f COME TO
COURT .AND PROVE YOUR EXEMPTION, YOU MAY LOSE SOME OF YOUR PROPERTY.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A ILAWYER, GO
TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PF:OVIDE YOU \~'1TFi
INFORMATION ABOUT HIRING A LAWYER.
IF YOU CAN7VOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE y'OU WITH
INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PEF'.SONS AT A
REDUCED FEI: OR NO FEE.
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD ST
CARLISLE, PA 17013
717/249-3166
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUN"~~Y_
PENNSYLVAI\(IA
CIVIL ACTION - [,AW
FORD MOTOR CREDIT COMPANY LLC : No. 12-4168-CIVIL
1335 S. Clearview Avenue
Mesa, AZ, 85209 :TERM
Plaintiff(s)
v.
RONALD F.tJGENE STINE a/k/a RONALD
E STINE
2827 SHIPPENSBURG ROAD
BIGLERVILLE PA 17307
L)efendant(s)
WRIT OF EXECUT[ON
(Pa. R.C.P. 3252)
Commonwealth of Pem~sylvania
County of CUMBERLAND
TO THE. SI-IERIFF OF CUMBERLAND COUNTY:
To satisfy the judgment, interest and costs against: RONALD EUGENE STINE a/k/a RONALD E
STINE ,defendant(s):
L You are directed to levy upon the property of the defendant(s) and to sell defendant's(s')
interest therein:
(2) You are also directed to attach to the property of the defendant(s) not levied upon iin the
possession of, OR:RSTOWN BANK, as garnishee, ANY AND ALL BANK ACCOUNTS IN
THE NAME OF RONALD EUGENE STINE a/Wa RONALD E STINE and to ;notify the
garnishee(s) that
(a) an attac~h~nent has been issued:
(b) except as provided in paragraph (cl the garnishee is enjoined from paying any debt to or for
the account of the defendant and from delivering any property of the defendant or otherwise
disposing thereof:
(c) the attachment shah not include
(i) the first $10,000 of each account of the defendant with a bank or other financial institution
containing a.ny funds which are deposited electronically on a recurring basis and are identified as
being fiords that up~~n deposit are exempt from execution, Levy or attachment under Pennsylvania
or federal lave .
(ii) each account of the defendant with a bank or other financial institution in which fiends on
deposit exceed $10,000 at any time if all funds are deposited electronically on a recurring basis
and are identified as being funds that upon deposit are exempt from execution, levy or~ attachment
under Pennsylvania or federal law.
(iii) any funds in an account of the defendant with a bank or other financial institution that total
$300 or less. If multip~~.e accounts are attached, a total of g>300 in all accounts shall nc~~t be subject
to levy and attachment as determined by the executing officer. The funds shall be set aside
pursuant to the defendant's general exemption provided in 42 Pa.C.S. ~ 8123.
(3) if property of the defendant not levied upon and subject to attachment is found in the
possession of anyone other than a named garnishee, you are directed to notify such other person
that he or she has been added as a garnishee and is enjoined as above stated.
Amo~.~nt Due
Interest from:
September 21, 2012
Costs
Seal of the Court
$13,163.49
$`i6.06
X19.70
CUMBERLAND County Prothonotary
By
Deputy
Date:
MAJOR EXEMPTIONS UNDER PENNSYLVANIA AND FEDERAL LA~ti'
1. $300 statutory exemption
2. Bibles, school books, sewing machines, uniiforms and
equipment
3. Most wages and unemployment compensation
4. Social Security benefits
5. Certain retirement funds and accounts
6. Certain veteran and armed forces benefits
7. Certain insurance proceeds
8. Such other exemptions as may be provided by law
Plaintiff: FORD MOTOR CREDIT COMPANY LLC vs. Uefendai~t: RONALD EUGENE STINE a~k'a
RONAC.D F, .ST/NE
Coin°~ &~ Terre No. COURT OF COMMON PLEAS OF CUA~IBERL.AND COUNTY, PA No. l?--1168-CIVIL
TO THE SHERIFF:
CLAIM FOR EXEMPTION
I, the above named defendant, claim exemption of property from levy or attachment:
1. From my personal property in my possession which has been levied upon.
(a) I desire that my $300 statutory exemption be
^ (i) set aside in kind (specify property to be set aside in kind);
^ (ii) paid in cash following the sale of th.e property levied upon; or
(b) I clairn the following exemption (specific property and basis of exemption):
2. From my property which is in the possession of a third party, [claim the following exemptions:
(a) my $300 statutory exemption ^ in cash; ^ in kind (specify property):
(h) Other (specify amount and basis of exemption):
I request a prompt court hearing to determine the exemption.
Notice of the hearing should be given to me at: (Name, Address & Telephone Number}
I verify that the statements made in this Claim for Exemption are true and correct. I w~derstand that false statements
herein are made subject to the penalties of 18 P.A.C.S. 4904 relating to unsworn falsification to authori~ies-
Date: Defendant(s):
Phone #~: Address:
-- City Zip-_
THIS CLAIM TO BE FILED WITH: Office of the Sheriff of CUMBERLANDCouety
1 COURTHOUSE SQU~,RE, ROOM 303
7I 7!240-6390
NOTE: Under paragraphs (I) and (2) of the writ, a description of specific property to be levied upon or,• attached may
be set forth in the writ or included in a separate direction to the sheriff.
Under paragraph (2) of the v/rit, if attachment of a named garnishee is desired, the garnishee's name should be set
forth in the space provided.
Under paragraph (3) of the writ, the sheriff may add as a garnishee any person not named in this writ wt~io may be
found in possession of property of the defendant. See Rule 31 11(a). F'or limitations o~n the power to attach tangible
personal property, see Rule 3108(a). (b) Each court shall by local rule designate the o~t~icer, organization or person to
be named in the notice.
EXHIBIT "A-("
[N THE COI;IRT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANL4~
CIVIL ACTION -LAW
FORD MOTOR CREDIT COMPANY LLC: : No. 12;-4168-CIVIL
Plaintiff
TERPv1
vs.
CIVIL ACTION
RONALD EUGENE NINE a/k/a RONALD
E STINE
Defendant
NOTICE TO CO-OWNER OF ATTACHMENT PROPERTY
Date: October 17, 2012
The Bank account or other property that you own with the defendant(s) above-named have beer? attached by
plaintiff, FORD MOTOR CREDIT COMPANY LLC , to satisfy a judgment obtained by the plaintiff against the
defendant. Your money or property may soon be taken even though you owe nothing to the plaintiff.
If some of the funds in the account or some of the property held by the garnishee, Bank of America, belongs to
you, you should contact the bank or garnishee to see if it is defending your fund or property against garnishment. If
the bank of garnishee is not defending against garnishment of property, you can prevent garnishment b~, filing a
Petition with the Sheriff.
To protect your fund , or property, you should complete the attached Petition to Intervene Stay and Set Aside
Writ of Execution as to Non-Judgment Debtor Property and file it in the Office of the Sheriff within fifteen (15) days
after the date of this notice.
For addition information, you may call the Sheriffs Office at 7l 7/240-6390
"YOU SHOCiLD TAKE TN, IS PAPER TO YOUR
LAWYER AT ONCE. IF YOU DO NOT HA vE A
LAWYER OR C'A,~'NOT AFFORD ONE, GO TO OR
TELEPHONE THE OFFICE SET FORTH BELOW TO
FIND OUT WHERE YOU CAN GET LEGAL HELP. "
CUMBEFLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD ST
CARLISLE, PA 17013
717/:49-3 l 66
"LLE~E EST DEA~IANDA UNABOGAUO
IMMEDIATAMENTE. Sl NO TIENE ABOGADO O
SO NO TIENE EL DINE;RO SUFICIEN;rnE DE P,9 GAR
TAL SER ~ICIO G'AYA F;N PERSONA O ;'.LAME POR
TELEFONO A LA OF/CINA CUYA D1R1;CCION SE
ENCUE.~VTRA ESCRITA ABAJO PARR .AERIGUAR
DONDE SE PUDE COTJSGUIR ASISTEIVCL4
LEGAL. "
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUT]-[ BEDFORD S"f
CARLISLE, PA 17013
717!249-3166
EXHIBIT "F"
Andrew Sklar, Esquire (ID# 65332)
Lloyd S. Markind, Esquire (ID#52507)
Jordan W. Fetzer, Es-wire (ID #38670)
Sklar ~ Markind
102 Browning. Lane, Building B, Suite 1
Cherrv Hill. NJ 08003
(856)616-8710
Attorneys for Plaintiff
FILE NO.: 1,1 100583
IN THE COCJRT OF COMMON PLEAS OF CUMBERLAND, F'ENNSYI.VANIA
CIVIL ACTION - LA,W
FORD MOTOR CRED[T COMPANY L,LC : No. 12-4168-CIVIL
Plaintiff
vs. :CIVIL, ACTION
RONALD :EUGENE STINE a/k/a RONALD E
STINE
Defea~dant
PETITION TO INTERVENE, STAY AND SET ASIDE
WRIT OF F',XECUTION AS TO NON-JUDGMENT OF DEBTOR PROPERT'`s'
($40.00 to file -must bey in form of attorney's check, cashier check, certified check or mone~r' order only)
This petition respectfully represents:
1. I, ,the Petitioner, am a party in interest and hereby move to intervene in this
garnishment proceedings pursuant to PA.RCiv.P. Nos. 3121 and 21.36 et seq.
2. the plaintiff has attached personal property belonging to me currently in the possession of the garnishee.
3. This attached property consists of:
[ ]money held in a bank account held in common or jointly with defendant
]other (specify _ _
4. The Writ of Execution must be stayed and set aside as to my property because the plaintiff does not have The legal
right to attach and/or garnish property other than that belonging to the judgment debtor in this matter.
5. I verify that the foregoing statements of fact are true and correct to the best of my knowledge, information and
belief. I understand that false statements herein are made subject to the penalties of l8 PA. C.S.A.4904 relating
to unsworn falsirications to authorities.
Date:__ __
(Petitioner)
(Address)
(Telephone)
EXHIBIT "G"
Andreti Sklar, Esquire (ID# 65:332)
Lloyd S. Ma.rkind, Esquire (ID#52507)
Jordan W. Felzer, Esquire (ID #38670)
Sklar , Mar;kind
102 Browning Lane, Building B, Suite l
Cherrv Hill. NJ 08003
(856)616-8710
Attorneys for Plaintiff
FILE 'NO.: 'F (100583
IN THE COURT OF COMMON PLEAS OF CUMBERLAND, PENNSYLVANIA
CIVIL ACTION - LA W
FORD MOTOR CREDIT COMPANY LLC : No. I~;-4168-CIVIL
Plaintiff
vs. :CIVIL ACTION
RONALD EUGENE S~['INE a/k/a RONALD E
STINE
Defendant
APPLICATION TO PROCEED IN FORMA PAUPERIS
(PROPERTY CLAIM/PETITION T'O INTERVENE,
STAY AND SET ASIDE WRIT OF EXF,CUTION)
TO THE SHERIFF:
1. My personal property is subject to levy or attachment due to a judgment against another person.
2. Because of my financial condition, [ am unable to pay the fees and costs of filing my Property Claim
form/Petition t~~ Intervene, Stay and Set Aside Writ of E,~ecution; and to defend my property
interests.
3. I am unable to ,obtain funds from anyone, including my family and associates, to pay I:he costs of this
litigation. I understand that I have a continuing obligation to inform the Court of improvement in my
financial circumstances, which would permit me to pay the costs incurred herein
4. I verify that th. foregoing statements of fact are true and correct to the best of my knowledge,
information and belief. I understand that false statements herein are made subject to the penalties of
18 PA. C.S.A.4904 relating to unsworn falsifications to authorities.
Name:
Address:
Telephone: __
EXHIBIT "H"
Plaintiff: FORD MO"COR CREDIT COMPANY .LLC vs. Defendant: RONALD EUGGNF. STINE a/kia RC»'AI D G ST1NF,
Court K Term ~`~o. COURT O1~ COMMON PLEAS OF CUMBERLAND COUNTY, PA No. 12-4168-CI~'ll.
FINANCIAL STATEMENT
(a) Nami~
Address.
Phone Number
(b) Gmplovmerr If you are recently employed, state
Pmployer_
Address
Phone number Salary or Wages Per MontF
(c) Other Income within the past twelve (12) months:
E3usiness or Profession:
Interest:
Pensions and Annuities:
Support I'aymcnt,: _
Unemployment Compensation/G1'orkers Compensation:_
Public A;sistancr
(d) Other Contributions to ~iousehold Support
(Wite)(Husband) Name:
If your (\t'ife/ilusband) is anplo:,~ed, state:
Employe:
'type of yti'ork:
Contributions from Children.
Contributions tiom Parents:
Oder Contributions:
(e) Property O~~ncd.
Cash:
Savings Accow~~t:
Real P rate (including Home:):_
Motor Vehicle: Make: Year:
Stocks/[3onds:
(f) Debts and Obligations
Mortgage
Loans:
(g) Persons Dependent Upon You for Support:
! Wife'I Iusband 1 Name.
Children, ifany~.
'Jame.
Name.
Social Security Number:
Dividends:
Social Security Benetits:
Disability Payments:-
Other:
Type of Work:
Salary or wages per month:
Checking Account:- __
Certificates of Deposit:
Cost: Amount Owed:
Rent:
Other:
Name:
Other Persons:
Name: ___ _ __ Relationshi
EXHIBIT "H-1"
Age:
Age:
Age;
IN THE COURT OF COMMON PLEAS OF CUME3ERLAND COUNTY, I'ENrdSlr'3.VANIA
CIVIL ACTION -LAW
LLC
FORD MOTOF: CREDIT COMPANY ; No. 12-416E-CIVIL
Plaintiff
~'s~ :CIVIL ACTION
RONALD EUGENE STINE a/k~'a
RONALD E STINE
Defendant
INTERROGATORIES IN ATTACHMENT
T'O: ORFSTOWN BANK ,Garnishee:
You are required to file answers to the following interrogatories withiin twenty (20) days after
service upon you. Failure to do so may result in judgment against you.
At the time you were served or at any subsequent time did you owe the defendant(s) any
money or were you liable to him (her/them) on any negotiable or other written instrument,
or did he (she/they) claim that you owed him (her/them) any money or were liable to him
(her/them) for any reason?
At the time you were served or at any subsequent time was there in your possession,
custody or control or in the joint possession, custody or control of yourself and one or
more persons any property of an_y nature owned solely or in part by the defendant?
At the time you were served or at any subsequent time did you hold legal tithe to any
prop arty of any nature owned solely or in part by the defendant or in which tyre defendant
held or claimed any interest?
~. At the tirrie you were served or at any subsequent time did you hold as fiduciary any
property in which the defendant had any interest?
At any time before or after you were served did the defendant((s) transfer or deli~~er any
property to you or to any person or place pursuant to your direction or consent and what
was the consideration thereof?
At any time after you were served did you pay, transfer or deliver any money or property
tot he defendant(s) or to any person or place pursuant to his (her/their) direction or
otherwise discharge any claim of the defendant(s) against you?
If you are a bank or other financial institution, at the tune yoi.i were served ou~ any
subsequent time did the defendant have funds on deposit in an account in which funds are
deposited electronically on a recurring basis and which are identified as being funds that
upon deposit are exempt from execution, levy or attachment under Pennsyl~,~,ania or federal
law? If so, identify each account and state the reason for the exemption, thf; amount being
with'~eld under each exemption, the amount of funds in each account, and th~_ entity
electronically depositing those funds on a recurring basis.
8. If you are a bank or other financial institution, at the time you were served oi~~ at any
subsequent time did the defendant have fiords on deposit in an account in which the funds
on deposit, not including any otherwise exempt funds, did not exceed the amount of the
general monetary exemption under 4l Pa.C.S ~ 8123? [f so, identify each account.
9. How much is the value of any property in your possession belonging to the defendant(s)?
Date: October 17, 2012
An ~rI"ar, Esquire (ID #b53 y2)
LI arkind, Esquire (ID#52507)
Jor n W. FeLaer, Esquire (IG #38670)
Skl ~ Markind
102 rowning Lane, Building B, Suite 1
Cherry Hill, NJ 08003
x(856) 616-8710
Disclosure
You are hereby advised, pursuant to the Fair Debt Collection Practices Act, that this firm
is deemed to be a debt collector attempting to collect a debt and any information obtained will be
used for that purpose.
WRIT OF EXECUTION and/or ATTACHMENT
l'OMMONWEAL"TH OF PENNSYLVANIA) NO 2[112-4168 Civil
('OU1~I"I'Y OF CUMBERLAND) CIVIL ACTION -LAW
"('O T:HE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due FORD MOTOR CREDIT COMPANY, LLC,
Plaintiff (s)
From RONALD EUGENE STINE A/K/A RONALD E. STINE, 2827 SHIPPENSBURG ROAD,
BIGLERVILLE, PA 17307
(I 1 You are directed to levy upon the property of the defendant (s)and to sel I
(?) 1'ou are also directed to attach the property of the defendant(s) not levied upon in the possession
of
GARIs1ISHEE(S) as follows:
ORRSTOWN BANK, 427 VILLAGE DR., CARLISLE, PA 17015
and to notify the gan~ishee(s) that: (a} an attachment has been issued; (b) the garnishee(s) is enpoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of tt~ie defendant
(sj or otherwise disposing thereof;
(7) If property of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify himlher that he/she has been added as a
garnishee and is enjoined as above stated.
Amount Due $I3,IFi3.49 L.L. S$.r0
Interest FROM SEPTEMBER 21, 2012 - $56.06
Atty's C~~mm Sr& Due Prothy $2.25
Arty Paid 5202.20
Plaintiff Paid
Date: OCTOBER 22, 2012
(Seal)
REQUESTING PAR;CY:
Name :ANDREW SKLAR, ESQ.
Address: SKLAR ~ 1V9ARKIND
Other Costs
-~ ~.
L
David D. Buell, Prothonotary
c,,.~ ~ / e ,~r~
Deputy
l02 BROWNING LANE, BUILDING B
SUITE 1
CHERRY 1-TILL, NEW JERSEY 08003
Attorne}' 1~~r: Plaintiff
"Celephone: 856-616-8'710
Supreme Court ID No. 65332
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
Ford Motor Credit Company Case Number
vs.
Ronald Eugene Stine 2012-4168
SHERIFF'S RETURN OF SERVICE
10!24/2012 02:21 PM -William Cline, Deputy, who being duly sworn according to law, attached as herein commanded
all goods, chattels, rights, debts, credits, and monies of the Defendant, in the hands, possession, or control
of the within named garnishee, Orrstown Bank, 22 S Hanover Street, Carlisle Borough, Carlisle, PA 17013,
Cumberland County, by handing to Chastity Bucher, Head Teller, personally three copies of interrogatories
together with three true and attested copies of the Writ of Execution and made the contents there of known
to her.
The writ of execution and notice to defendant was mailed on October 25, 2012 to Ronald Eugene Stine
AKA Ronald E. Stine at 2827 Shippensburg Road, Biglerville, PA 17307.
SO ANSWERS,
/ ~-'" fl
October 25, 2012 RONN' R ANDERSON, SHERIFF
William C1-ine, Deputy
Andrew Sklar, Esc:uire (ID #65332)
Lloyd S. Markind, Esquire (ID #52507)
Jordan W. Felzer, Esquire (ID #38670)
SKLAR ~ MARKIND
102 Browning Larie, Building B, Suite 1
Cherry Hill, New Jersey 08003
(856) 616-8710
Attorney for Plaintiff(s)
Our File Number: F1100583
.; ~_; , r~
4~ ~~ 3~r s ~ ~;
«~ ., '
_' ~'~ s ~~~5 ~f ~ '~;~a, ~~~t ~'~
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION -LAW
FORD MOTOR CREDIT COMPANY LLC
Plaintiff
vs.
RONALD EUGENE STTNE a/k/a RONALD
E STINE
Defendant .
No. 12-4168-CIVIL
TERM
CIVIL ACTION
PRAECIPE TO DISSOLVE ATTACHMENT
TO THE PROTHONOTARY:
Please dissolve the attachment as to garnishee, ORRSTOWN BANK, in the above captioned
action.
o.: p ~B~l ti
A ew Sklar, Esquire (ID #65332)
L yd S. Markind, Esquire (ID #52507)
J rdan W. Felzer, Esquire (ID #38670)
Attorneys for Plaintiff
Sklar ~ Markind
102 Browning Lane, Bldg B, Suite 1
Cherry Hill, NJ 08003
(8S6) 616-8710 phone
(8S6) 616-8716 fax
~k ~q sod ~
~~ Loo~a
~~a~3o~S
f ~~
~~
{
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
R Anderson
4 ody S Smitht+t
Chief Deputy
l I Jl Its " ` ,
Richard W Stewart ' �� `�� i`'
Solicitor :
P NNS YLWAMA
i
Ford Motor Credit Company Case Number
vs.
Ronald Eugene Stine 2012-4168
7
SHERIFF'S RETURN OF SERVICE
10/2412012 02:21 PM-William Cline, Deputy,who being duly sworn according to law, attached as herein
commanded all goods, chattels, rights, debts, credits, and monies of the Defendant, in the hands,
possession,or control of the within named garnishee, Orrstown Bank, 22 S Hanover Street, Carlisle
Borough, Carlisle, PA 17013, Cumberland County, by handing to Chastity Bucher, Head Teller, personally
three copies of interrogatories together with three true and attested copies of the Writ of Execution and
made the contents there of known to her.
The writ of execution and notice to defendant was mailed on October 25, 2012 to Ronald Eugene Stine
AKA Ronald E. Stine at 2827 Shippensburg Road, Biglerville, PA 17307.
0610412013 Ronny R.Anderson, Sheriff,who being duly sworn according to law, states this writ of execution is
returned as ABANDONED. No action on writ in over 6 months.
SHERIFF COST: $88.40 SO ANSWERS,
June 04, 2013 RbNtrY R ANDERSON, SHERIFF
i int;i'r:�tx
She,if'.?eleOSC-ft M-