Loading...
HomeMy WebLinkAbout13-0185SKLAR ~ MARKIND Andrew Sklar, Es uire ID #65332:. ~-~-__~~° q ( ~ hi?-l.~r~ tu.t:. Lloyd S. Markind, Esquire (ID ~~2~ ~ ~`~~: ~~ ~ T ~i C ti ~'TA{~ Y 102 Browning Lane Building B, Suite 1 Cherry Hill, NJ 08003 File No.: F 1101181 2~ ~ ~ Jed i 0 P~ 3~ # 2 C~JH~RLAtfO CUUNiY ~'E~~Pi5YLVAMIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW FORD MOTOR. CREDIT COMPANY LLC Plaintiff vs. MICHAEL S GOODHART Defendant . No. ~-~ ~s C~~~I . 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 furt,ler 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 ~} ~Ib3.~S~daN~ c ~~ BSao3 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 provisiones 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) Jordan W. Felzer, Esquire (ID #38670) Sklar - Markind 102 Browning Ln, Bldg B, Ste 1 Cherry Hill NJ 08003 856/616-8710 FILE NO.: F1101181. 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 Mesa, AZ 85209 Plaintiff(s) v. MICHAEL S GOODHART I I No. I I Term I I I CIVII, ACTION I I I I Defendant(s) I 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, MICHAEL S GOODHART , is an individual who resides at 184 TEXACO RD, MECHANICSBURG PA 17050. 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 March 3, 2004, the Defendant(s) entered into a written Motor Vehicle Retail Installment Contract, Account Number 48063000000036624535, (hereinafter referred to as the "Contract"), for the purpose of obtaining financing in the amount of $14,617.38 at an annual percentage rate of 14.99%, in order to purchase a certain motor vehicle, 2000 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 $347.66 for a period of 60 months until the loan was paid in full all as is more fully set forth in the Contract. 6. Defendant(s) made monthly payments until January 18, 2005, but has failed to make any further payments thereafter, and are therefore in default of the Contract. 7. As a result of the default by Defendant(s), and pursuant to the terms of the Contract, the above- mentioned vehicle was repossessed and a notice of repossession was sent to the Defendant(s) giving the Defendant(s) the opportunity to redeem the Vehicle as well as notice of the sale date. A copy of the notice of repossession and notice of sale date are attached and marked as Exhibit B. 8. The Defendant(s) failed to redeem the Vehicle and the Vehicle was sold at auction with a credit given to the Defendant(s) in the amount of $8,100.00, however a balance of $5,296.80 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 $6,200.20 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 $1,324.20. 12. The total amount due and owing at the date of this complaint is $12,821.20. WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant(s), jointly and severally, if more than one, in the amount of $12,821.20, well as any additional interest and costs that may accrue and such other and further relief as this Court may deem equitable and just. SKL Date: November 7, 2012 Andrew S ar, Esquire (ID# 65332) Lloyd S. Markind, Esquire (ID#52507) Jordan W. Felzer, Esquire (ID #38670) Attorneys for Plaintiff 102 Browning Ln, Bldg B, Ste 1 Cherry Hill NJ 08003 856/616-8710 VERIFICATION I, ~Orrle Rowe ,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. DATE: SEC 14 2012 48063000000036624535 Our File No.: F1101181 BY: orrie owe Representative of Plaintiff, FORD MOTOR CREDIT COMPANY LLC MICHAEL S GOODHART Exhibit A oeMMfxw vaNU slNV« INTEREST VEHICLE R eT7AIL INSTALMENT CONTRACT pp~ 03/03/2004 . a~y~ 1s"~ ~~Yor, I/rna end Addrwe (trvi~do,9 Canty aM Zb f:o0., CNlGR01113NMr NMn..lltl llddre.a, ~ ~ b LD / 8 MICHAEL S GOOOHART 80B RUTH AUTO BART, INC• q 184 TEXACO RD MAR 1 0 2004 1651 HARRISBURG PIKE HECHAN(CSBURG PA 17055 CARLISLE, PA 1J013 Yaµ 1M sayer (ard hauYn, Ir ely), MY ~ 1M vaaleM daeeAbee Mtow tNr sash or on arMa Tla •CaaA Mee' Hewn aalaw u Ilw eawr ~ of tw vahaa. 7us 'TaM aMe arre• ehewn ealeR b nw etpt air.. W stsnine rue tantraa4 You ahww b Out' an oredlt radar er eeraantann on Ma IreM and beak a 1Ma aenbaw. N YNr M Malty 0 h V Idwrp USED 2000 FORD MUSTANG 1FAfP4442TF187587 Ponarwt ~+baadwrr ~ Canrtvrcua rradaln ..s N/A i N/A Yasr and Malmo Or«a Nbrreltca arwm t)wlrq YOU MAY OBTAIN VEHICLE MIeURAN ITEMIZATION OF AMOUNT FINANCED FROM A PERSON OF YOUR CHOICE. t. Cwn Prke...._ ..............._.........._. 13995.00 2. Down Paynr.tR Thled PNY Rebate ANlgrad to Credpor..,,.,,...._ ................ S N/A ............ ........,.. S C ~IDoww Paymem.........S.R7A S "NIA.... S~ v~.ruw ~n`•ep ""~10wYe 2000.00 Tottl Down Peyrltertt _._._..._._._ ..............._........._..._........._._._ 5~_ (~) 3. UaWb salanea of GaA Prit» (1 mires 2)..........._ ..............._._... S ~ (91 1. Amourws paid on yov Behar (SeINr may a ndalnpw . porpar of paw amouma) To Insurance Cempanles ror $ N/A Credit Lpe bae-ena {for term d contraa) _.__...___._.. iffA-'---- Credlt DIdaMINy bwuanrx (br term d coMrad),„,,,........ SiFtA-- rf. soc (Term ~~fonlhs (Ea1In~e1e~$ To Public Oflb---'s~.vuHgeme (S~-~~. tlge (4 .,?~ 8 regletratidn (f~~) tees S (u} for rang lees 5 ' 932.88 1014.38 (e) for taxes (not In Casa Prke) 5 5~- ...... S To~r~~feT«e Meld .,... To~_~"rer =~~- To for f I FLN~RAL TIlETTFNNIENDINTi DISCLOSURES ) ANNUAL FINANCE Atnoulll Tatel of Tout Stye PERCENTAQE CHARGE FMlarlced Paynants Prba RATE °~` The amount a ' The smollm n I Ttr aw oow x,mnw a ~ ~ e a •a^ wa 1tlad m ~ p'm You w rmo w I The rbal a your O0°t YO1 you or on yoer paid when You Demo. cndn u a YeaAY fag beltee haw ntatle d IrcMtluta your earedurd 4lgxlgeYlBrt ~~ M pNu~ltt~tye d ^ 59 w Anaual~dgd Each 341 66 When Paymmta a s due Your achtduk ~~ . i 7 66 ) rqq ~ , a4/VZ/ moll be: t sad . S Preyynneak M You DeY ~ 1~ tleb! ew>Y. !"w wel not have k Wy a penalty. ts0e PeypratC You mwt pay ^ lue clw0e an ea poldon a seat payrrartl reoelve0 more Msn 10 date IaT~The.chw0a= o ^~- - ^~ xv. t+~.arrquM_«.550.00 whkhewr r qsa. 9acumy aleeren: YOU sro smog a se0ur0y irwrt in oe whlde bNlq punnes0. Corteteeb Plow ees thk cdrureol rr eA6tlond lMOrmason on eecumy Imsn:s4 nolpayment dsMtlM. Ste d011f b nOtliro mpaynam d ydu dam M hA btthre the eeladukd tlste, and tl you do rat maw Yau aoarea dt^gMa, You may loosr vwtkr wet Ya an Mrelwrg attar tea Dawes, as was r Qom Dade artd g00tla put an rra vMiar awl sway a smm atotlve9 fa ne YYltle. NON-MOOIPICATION DISCLOSURE ArM Oftsrros to this 0011` spI me^[ 60 wrltllq Md aipred OY You end IM CreWOr. $UYER.tdV! /`v,` _ ACO~BU1'En~~((D A~pE~ p KsKeJSNn~TWN ~~OV~iO~IIV K~p~6THE REVERSE sloE o6 NOTICE TO BUYER Do riot sign this contract in thank You aro erttttled to an exact copy of the contract you sign. Keep K to prcllect yrNNa~ legal rights. Buyer (end Co.Buyer) ecionowNdge that (i) ~eforo slonfnD this c~r ,Buyer (end Co-Buyer) r~elved rev a true com Islely tilled in copy of this corttreCt and (ii) at the time of n t Is contract Buyer (and t.aBlryer} rocslvs~l a true an e`~Tr'ti~di Trn copy of this oontrset. l~ stn ay egmlq r~wsawd, Me flee«aeapq tlW e0aalaet N ne Mar Atl M anted M a eepeaa ~~~8~ rtUrH q"~ ~onrMlpaI ~ s to ~nel CoMV.ly. YOU ARE NOT REQUIRED TO OB' CREDR LH°E, CREDR DISABILITY OTHER OPTNlNAL INSURANCE. ' CONTRACT WILL NOT INCt.UDF T UNLESS YOU SIGN ANO AGREE TO THE PREMx1M. THIS CONTRACT DOES NOT NN;I LIABILITY INSURANCE COYERAdE BODILY INJURY AND PROP! DAMAGE CAUSED TO OTHERS, ^Crsds LHe A/A Insurer a N/a ream Insured{s) Signature Credit N/A O Disabflily inwler $ N/A Promium Insured Signature p N1A N/A Olher Optional Inwrance Telm x/a $ N/A insurer Premium Creep UN and creel OISWIeIY Insuaena as 1« V1e aawl df Ns tonb7a. 7M anaeM end g ~ro ro~u eo0 In a nadw « asrwsnent Yau must Ineule iM whkls. H e b drown Odew~~ ~Iw Ih try tM wB la bawd en as east of ~e w Mae d rrs, bW nw morn dw Ilmld of tfa palsy. ^ CarpteherxWe ^ ar1A Oedudlbte Coaeimn ^ Fi,s• ThNIFCembinad Addiaaral Coverage ^ TowYp and Labor ^ TN ~ aaontls (Estimate) Prartsmt s N~ ^ owe Carroee11.M0on wwaa Addwdmr ICpllana0 a sas b« r ohedetl you have peraread M dad carnrealiort caber. Pllrcime a eh mvw~pa k apeorw ens r lal apMed m atria oteN. 7M!imr and oontlbona a Me trot raltdaYeon waMr as td Oar, r the wNdte6 lldderrtlun rdttch r ir0arabrleed into dis coreacf. Thspn v far tlw debt uecdatfon view r aw ram en ~ir opdrea in rte nemewian a Amount Financsd under 9ecuon ~. &+Yw Program No. QUESTIONS? PLEASE CALL. US AT 1.900.72T•TO00 OY Malt ue es www.tordoredx.com esom re ixi..a w a l4.aw. ws~..wr nm w anal ass aAat aCR AOOmtYNAL AlaeHalaNTa ORIGINAL ADDITIONAL AGREEMENTS A. Paynunta and Summary Notke: You must make ail Payments h U.S. fwds when they are duo. ~ ou n>aY Pr®PaY Yovr debt al ary tinrb adtltotrt pemdty. Thlf is rt airr~9:lnafeaf tdllltid. The at:krel fUranq Charge you agree to'paysal tlepertd your payrrterrt pMlems. Tftd actual 6rwrtcs Chargo mtiy!dtoollle :the dacloaW Rrerne Charge if you make your paymerss alsr than the aerraduad dales or in less man ate sritsONed amourn. The CrodMor wi6 WFUY you Dttyments lirtd to the earned and urpekl part d tlta Flnettea ChMge end then to Ina Amount Flnencad. The CreMOr same the FMana Charge DY applyutg the Annwl ParCMllage Rant b Mrs upaid Amotprt Fnprnad Jgf,.me ecWal hma Mta tcrpaid Amount Flnancsd V otAatwtding, 6 Mte vehkte M repoesesced, you wit not hwe a right b reineare the connect unless Mte Creddor agtsp. B. Saeurlty Interest: You giw the Crodaor a sear'dy Interest In: t, The veldts and ~ pare «omar gcotle put on the vMldl; 2. AB rwrtay a goods reoNwtl ku me vMk1e; and - . . 3. AB fnsurarroa prstrdurna and NMCe oontraca ifrtencad for you. Fnb 96our69 payment d all amounq you awe in mia camreet. It, 8160 beRllaB yaw star ttgreernema a rob oortnad. - . k'•. G Use of Vehicle WARRANTIES: You must take tors W the whole and rriay as laws M uekp a. You may rutt sell or iarN' the veldts. attd you mtnt keep k file from Mta clsims d oMisrtt.. . You wll not rase « pendt Mn use d Mta whicb onside d me linked 8taMa, eaoapt for W to 30 data In Canada « fJeafco, witltad the pri« wt{ttM eeroent d the Crodilw. N tlta which la d • typo nonaagyl uNd for paraaW tw and tlr CrodMOr, or _ the vaMea'a mbttdaoturerr ettMMs ^ wrMan warranty or servfae wntraet rnwrhtg ate whka wNhkt MO days tram the " tlata of Btis ogMrN.i, Y~ 9M fetplkitl wamntlN d merclanbfagiry and finNss (a • particular purpttN COYarfrt9 the vahkle. Olhetwae, you understand end agree that Iherc en tw such knptlsd wsrrantlas, r F. DafauM: You w6t be In default H: , 1, You do rtOt rrrnk6 a payment when it t6 due; Or": ~. 2. Yau gave tales « misbad'vq infarrrwtton on your credit eppncadon rabdrtg b Mss cordracl; or- 3. Year vaflica b Nboed by arty IoCSI, sent, «adarol . authority and b not promptly and tkrcatdhfonahy returned to you; or 4. You Bb a bankruptcy patkion or ane b Iced against you; a 5. You do ndl keep any ofhw pnxnba m Ihb oonlreCL It you aro m default lire Credk« may requtrt you to.paY at orate - me urpaitl Amount F7nancad, tits wined and weak) pan d me Flnarroq.~hatgs and dl dMr anquna tlue under this aomrect. Ha may roptuww (take back) the wMele, ttn. He may also take ggooods found In or on the vMtole when repotiaeeNd ant hold them for yar. h the VaMde a fakM back he wa rirW you a notice. The notice will say mat you may redaern (btN beck) 1M vshtca. It win abo show the amount needed b redeem. You may redeem ma vehlds up to the gme the Cradt« aNb h «agross to eNl it. H ydu dD r101 redeem the Vahide. h wN ba wkl. a The Credtor wpl use dra rwrtay from dta agile, leas the agowed 6aparraN, b pay tM amorxn still owed an mis oonuatl. EtgramN paitl as a diroel rsauk of having b retake ma whlcW, hold M for tea, and sell it are, as pemdded by law, allowed eloperou. liwyNa' Uw and agal twat )lalmaea by aw aro a6owed, too, The Creditor wd6 paY Ya+ arrY rtrorray all (a surplus). You w61 pay any money atiY owing a60r pre sak to the • Credhor, It you do not pay mis amount when Mae Credtor asks, Mae Creditor may charge you interest at me ttlgheq bwlul rate anal you pay. G. Consumer Reports[ You authod~ Ford Motor Crodit Cam• pant b obtetn Consumer credit repods,.lrom COnaumWl reporting agartcias (trade iwreaua) I« any reason and at any time In con- n(tctlott tWlh ihb contract. D, InWnnos: You mull town yourseX antl ttte CreWlor agalrtst „ loan d dertaga b the vahkye. Tha Ceditor Rtuat approve Mre~ .:. H. Oanenh ~o•orxdact Ford Mdor Crad6 Cttrttpany ebom dda type and aIMUm d lrburance. If the Cfetllt« adaina a refund on ~ eooount, cell 1-600-727-7000. Akd, you msyunake;additte6 and irntuentce or servbe eadeacts, the Credh« will wbtrad the ~ retund from whet you owe. Yeltallrar or nd tM vslMde b ether satead dtangea m www.brderedil.oom. The law of Pann- eylveraa ap~ies to ws tnrrtrocL M the law dace not allow all d the knwsd, you must pry for h N k Ic bat, damagd, or_ agrawnenro in this contract, dts ones that are ant albwed wiA De dsNroYsd• . ~ ( void. The reel d fhb contrad will edit be good. If a charge for vehcle ineuranae Is shown on the fn:nt, the G4addor wit Iry to b1rY the OOWrogN checked far the tarot shown. The Credtor b rot 6alaa, enough, if hs cannot do w. h Mtsse eoverogsa coat mate man the amaax shower for InauranCa, the Rstluor may Iwy roam for a shorter term or he may glw you dsdt for Mae emwtt shown. If M cannot buy any irtiurarro9, he will gNe you croAt I« the amount shown. Tha cretlh wIl be made to me last payments Ore. E. Leta Cnerga: You will heVe to•psy a fate dtarga dn.atje pprtlon d eadr payment rttWe more than ten days tats. Tfre: charge a shown on the front. Atxeptartca d a late Payment tkt~ not etmuee your tlefaun dr mean that you part keep mskitg payments Brier they are due. The Credhor may take the steps set foAh 'af this conhad. It Iltero b arty tlalaull. N~ C NO (ICES NOTICE -ANY HOLDER OF THIS CONSUMER CREDtT CONTRACT IS SUBJECT TO ALL CLAIMS AND OFFENSES WHICH THff DEBTOR COULD A6BERT AGAINST THE SELLER OF GOODS tH1 SERVN:ES OBTAINEp PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. AECOYERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY ~THE'DEBTQR.NEREUNDER. r _' . p Used Motor Vehleb Buyers Guide. It you are buying a vastl vehicle wllA Mrs comrad. fedsrol regtdatiorte may require a ap•dal Buysn Gu1W b ~ on lire window d me vehicle. THE -INFORMATON YOU SEE ON THE WINDOW FARM FOR THIS VEHICLE IS PART OF THIS CONTRACT. EdFORMATX)N ON THE WlIOOW FORM OVERAWES ANY CONTRARY PROVISIONS IN THE CONTRACT OF SALE. OtMRAFRI' To caws the Seker to NB Oe wldca described on the front d rob aornrad Io the Buyer, on credit, aeon person who signs below as a •ciueronbP gttarantaes me payment d fhb urfdract. Thb rrtaaru that if Mae 6uysr fats b DM errY money that b owed on mis mnaerd, east one who sfpte w a 9varardor VIII pay k when asked. Each parson who signs tlebW apnea Met M wN Da Baba for ms vAnb amount owed even X one or m«e Darer partteru also signs mb.Gttaranry. He sits agrasa.to-ba Jiaba.awn itatra.Credbr Does ana or more d M idlaadrq: (a) givN 1M Buyer more time b PaY one or more payments, a (b) gHes a roaaaa in lull or b pen b any d the omen Gwrernon, «{c) rolaatws say seeurhy. Eaetr Guarantor also ease that he has rot»twd a completed Dopy d ihb contract and rob Gwremy at the tkne d elgnkrg. Guarent« Address Guarantor Atldreas ArbJrslion is s method d roadvirt>~ any delm, dbpua, tx Don or CredlDa 1'ta' or'we•)) (each, a PsdyJ may CltooY u anY tract decided by arbhrodon Sudt Claims indutM but N's not III Clurrra repenting Mrs ktMrpraatlon, stwps, er vakdky of this MWbyNrla. pant, strcoaNOr& aNigna, auMitalfts0. « aN6 wreraeL a wry ranking Inrrsadlon « relatiatship, ineltdtng aflpr this Donned. cY (ddadNey, a 'Calm') without Mng a IawsuD in coon. Eitttar y InCkldkrg Mar a gwwd a IPad, b hsve arty CWm altered b rob U b Iha talowirtg: t) Chime N contr~t. ton, ~bry «oMtanraet e, or arbhr d kutw; 3) gNms you and w, t 4) Claims arising out of « rotating b you epp6catbn for credit, s vM me dealer, a any such relatlonship with IMrd peNN wtq do r R~IdiTS YOU AND WE AGREE TO QAlE UP it anMr you a we arwae )u srwiau a tram, man you and vra spree t0 waive lha following rights: • RIGHT TO A TRIAL. WHETHER AY A JUDGE OR JURY RIDHi TO PARTKXPATE AB A CLJIBS REPRESWTATiV! OR A CLASS MEMBER IN ANY CLASS CWM YOU MAV RAVE AGAINST LrS yeHETIIISR n1 COURT OR R/ MINTRAnON • /gpAD RIBNTB TO pSCOVERY AS ARE AVAILABLE IN A LAWSUR • RIWIT70 AP/EAL THE FNICISIaI qF AN ARBITRATOR • OTHER RIGIf18 THAT ARE AVAILABLE Mf A LAWSINT R hla Yau Alt/ iMe DO OIYe Uo: If a Calm a arbitrated, you and we w61 twrranue la haw tM bsowkp rip!p, rAMrout waiving ttrb on prov on tta arty ) b file brrltrtghgway in court; 2) Right b snlorce Mw security btrorad m me vNsde, wheeler o~dutr a W t ~arblt ilsor a>a iHb at Nodryt action b enforce the amltratoia decision; and A) Rlgitt to request that e Either Pany rra1N cdnad anY ossocatbn babes cad ma dMr Pany n sled arbiraaon. The app)cabts rues (ifs "Rrrlis'1 rnaY w abtafnsd from M aeWdatton. ArrMdCan ArDitratbn Atteodatlon ('AAA'), at 1-(100.778.7879. «www,adr.org, . J.AM.S16MbptRa, u 1.60414&1660, or www.lamf2dccdn; hlasortal ArtrMregOn F«um, at 1.6044742371, «www.arbbrum.oom. ti Mare a a twrN6ct Wtvrean the Rules and rob convad, lids connect Mad ggopv~sm. Thb acntrad b wbjecl b the Federal Arbitration Apt (9 U.S,C. $ 1 el aaq.) trW 1M PWarM Rules d ENdettce. TM arhiYalion dectttion shat De in wn6ng wim a wppoNng ophbn. Wa wN pay your )dial raeaorrba osbtkW)on fees acrd a Ns (rot ktdueng anomey lea, axapt wltero topNtADla aw dheNASe provMesl kr i axwas d E126. We wlit psy th. wheb tYing as_if _wa domard arbihetbn first. AnY Parton d mia atbitralion dense thst b 1nMaloroaaba FC,ae/alM4W IFwNa•Mb4.+Y MDi ,r W61 FA Exhibit B "'PRN^' Fad Mdor Credit Canpany P.O. Boer 3076 COLUMBIA, MD 21045-6076 (800) 677-0730 MICHAELS. GOODHART 184 TEXACO RD MECHANICSBURG, PA 17050 Dots d Repoeseeelon 12-01-2004 Date d Ndiee Date d Contract 12-09-2004 03-03-2004 Account Nurrrber: 036624535 r MICHAEL S. GOODHART Cdw DESCRIPTION OF PROPERTY Year 2000 Make FORD ^ New ~ Used Vehicle Identification Number. iFAFP4442YF187587 Mold MUSTG eodr 2DR NOTICE OF OUR PLAN TO SELL PROPERTY We have your property detcribed above because you broke promiws in our sgreement Q PRNATE SALE: We wNl ear tM property described above at prtwh eye aomedrrrs after 15 days from 1M Dah d Nafke shw,n above unless redeeawd M you pnortosuch sale. ^ PUBLIC SALE: W e will aer the property described above at pubtlc acts to the highest bidder on the doh below la arty adioummertt date). The sde wlr bs held ore idkxee: Dab of Sob Tiara of Sala tslaoe of Sale You may atterW the Sala and bring biddere d you want. NOTICE OF The money that we get from the sale (after paying oLr costs, including reasonable attorl~y'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 Bad( for an Itemization of amount owing. To team the exact amount you must pay, call us at the telephone number above. If you need more inforrnatiort 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 undo 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 preserNly stored al: MANHENNSAUTO AUCTION HOW TO QET YOUR PROPERTY BACK To get your propeAy bads. pay us this amount by certNied chxk a morwy order txstore 1M vaMde la sold. Unpaid Balance $ 14,100.95 Plus Costs: Repo Earparws $ 360.00 S S Plus Lark Charges $ t 3.9D Less Flnaraee Charge Rebate $ Lela Insurance Prerrium Rebate ~ TOTAL S 14,474.85 (Flue exparses Incurred ff defeat at the tlrrre d repoesasbn exceeded ~ 6 days and less rebarts received after the date d this notice.) Your property wonR be sold until 15 days arfler 1M deb d this raofce at the EARLIEST. After that you can 91111 get h beck any tlme before k'a ecwary BOId. If you do, we II haw no further cldm on k. But the Iorger yvu wdt the more rneh (irwkdkrg repeire) you trey now to pay. If you haw any questions about Mi9, pkue CEN us. ^ TM property has lien (a wit be) rektrcrsd b: (deeder/orgirrel creditor) Under our agr6earerd with your deahdoriginal creditor, the dealer/original credits is to sdl the property and Pay You any money Irrtt over. K You v+re naney agar Ms sale, you will pay it to the deelsrloriginsl sedilor. ^ PERSONAL PROPERTY: AnY Pad ProPatY found M the yehlde may bs recldrned by you wlthln the neod r30 days w, In accordance with state law, by contaedng this office. Thereafter. the persond properly shat W diapoeed d aCCa~dingly. ^ Creditor has assigned to its qudfied intermediary (QI Exdrenga, LLC) its righb (but rwi its obligations) with respect to the acts d each vehicle rated share. PAYMENTS: All payments to ue rrxut be by cenHled check or money order. MILEAGE DISCLOSURE: If you aro awwe that the mleage reflsdod on the whkle'e odometer b nd accurate for any reason. pleats contact ue so that yre Can aoouratdy report the vehiol6'S mileage. INSURANCE RIGHTS: If you deny went to gel your property back Dell Ms irrsuronee campsny sites dealer/origind credits to make aura Met any insurance nee been cancelled. You haw a rlgM 1b gel credk for dt prernlum refunds. SHERIGEORGE FraaA ~tesesi a.~ m r+~. eenbn. m.y sores w.d. CUSTOa,ERiCUSTOMER FILE PrInM In U.a.A, Exhibit C ' Ford Motor Credit Company PO BOX 3076 COLUMBIA MD 210456076 800 6770730 DATE: 2005-01-19 0389 MICHAEL S. GOODHART 184 TEXACO RD MECHANICSBURG PA 17050 STATEMENT OF SALE Account Number: 036624535 The following property has been sold. Year Make Model Vehicle Identification Number: 2000 FORD MUSTG 1FAFP4442YF187587 Balance owing on your Contract (1) $ 14,114.85 Deduct: Finance Charge Rebate (2) $ 0.00 Balance less Finance Charge Rebate (1 - 2) (3) $ 14.114.85 Deduct: gross proceeds of the sale (4) $ 8,100,00 Balance less gross proceeds of the sale (3 - 4) (5) $ x,014.85 Add: Expenses of retaking and storing, and (6) $ 552.00 any attorneys' fees allowed by law, and expenses of reconditioning and selling. (7) $ o.oo Deduct: Insurance Premium Rebate (8) $ 1,270.05 Other: (9) $ 5296.80 DeflClenCy*" (10) $ WA Surplus" The Surplus/Deficiency will change based on monies received by us (credits) or additional allowed expenses ~ interest added to your account (debits}. Surplus' or Deficiency"" If the sale resuUed in a surplus, a refund for the difference wfil be ma4ed to you. "" If the sale resulted in a defciency, you should immediately remit the amount shown on line 9 to the address for payments shown bebw. For additional information call or write: Mail deficiency payment to: Ford Motor Credit Company Ford Motor Credit Company P.O. BOX 8508 DEPT 194101 MESA ARIZONA 85216-6508 P.O. BOX 55000 (800} 732-2284 DETROIT MI 48255-1941 FFNA11990 01AD4 Previous editions may NOT be used. -_.. - - tceY SELLER'S COPY ((~ 150525 2 1 14 15-0383 . ' ( / EI ~ ~ ~ 005 / LANIIB'i'ER iif~1 4p it ' lIAIiEIM Pit 17"J1JgT89 f 47171 tfr~f-3571 FiAJIl7l71 t36~~4865 IFAFP4442VF1@7397 PA 1/0'3/80X3 7090809 --- +- PAID +f yEAq MAKE MODEUSUB SERIES BODY COLOR Eft If+iT R PS PB AC ES TOP CC Et 4X TL SRS SI R 2000 FQRD MUSTANt3 2DCV SILVER 6G 6RY L C 5 X X X X X CV X X X D X ANN CONDa NOTESa REPOaCOtS3PDtCONVERTIE3LE - RETAIL REP083E38ION . • S i GREEN t i NO Ti R.B. -1 NO i SOS i -- --- ~____ ` ' i iF - - ~LERK ¢OLD BY U~( MAA iLIGHTBlLIC3HTSiLIGHTSiLI{3HTS! i i = i ~ i i ! ! i i i SALE i : BELI..ER i i t7R OFOUIPIRE AVtF Ht• TO _ -- - - --- -- - - LICENSE NO. TAB ~~~~~ r~`~M,orla ~,,,o ale Crc"~ 29370 116262 fMU-0111 FlSflD IOTQI CREDIT C~ANtt ICAN RD PO B@x f73' a~f Ml ~8IP1 .~ 5066419 7 1110 ~ P P[iMR•IfA A!!10 I~iH ItC ~ 48+01 •$T BNMIIYAB R7A0 C 14P3=l100~ !~ ~~8 N MAR! ALDRIDRr _ A PN11'0 IO BCAMED s 301 • ~tG4 -~Cd. E R X __ --- X L ~rrt:a~aASEC~acara? ;CLEAN O ROtKili O AVERAGE NOTICE: • Do not repurchase or titrartce without certificate of ririe. • Auctan retsina security interest in vehide tmtil goat funds received. ODOMETER DISCLOSURE STATEMENT 8~if'S~.S Oiscloaure fo-m FEDERAL tAw (AND 8T71TE tAVK tF APPCICABL~ tiEOWREa THAT vOU STATE TFtE MpLEAbE t1PON TRAN~ER OF OWNERaIaR FAlLUP1E TO C01dPLETE OR pRONIDMIGAF SfATEMEP(r1YMYREStA.TINFINEBANWORIMPRt80 .!'y~yy prNy to ~. U.u of my -aiawl~dve th. odom~te- roadh+c L i yh t s Lwg~nd a rotlscts ua amount of maeaga in a:osss of its msdanic~ wrtita. W /DRIVE ~ (2)1 hereby cortlly thtl Uis odomafer resdh-p Ts NOT the acaral mYeegs -WARNMNi -ODOMETER DISCREPANCY oUNGM>IfAMI18ifEilMWllltIFDCOPYGF000MErER a~~rt• scat as tmF rf roe a *rrtat To rdwreton ttutuscr ro ~ s FiEiD MOTat l7EDIT COPfINY cae~.~rNS?~wauowe_rtr+ss~~~nr~~a..s.,w.t~+u~;+.cfa.anev-. t, / 9ELLIN© AIfCItOM AfiiUAfiE~ Rl0 ft111y1 A{iA1~iTEES soaE Try T-!E OoOatEtBS Now RE/~OS PRICE fi; 8 s 100. 't11E ~ ~ 'i'!E OdO~T'ae11 41 S32 O i 8 t~ ~ Tt~~ AND TD TtE BEST of AK F~IIENT NOT YALID FOR EXPORT ~ TIaT R REFtECts THE ACTUAL rum of TI+E VEFIICLE DESCRIBED l1N, UNLESS NOTED L~FFER£NTLY ABOVE. F~ s ~~ . ~~ Fa vaMr norrMd I hartbp ~N. wlpn a irandsr tIN vMddr. d~eaibs0 On dd5 dOCtIlNnt - A m tM P timed at NR !~ ~~ 7RANgFERpR~ 61t;NATURE tSEl1ERI fi{ r./ .T X NOT A RECEIPT OF PAYMENT o NAME of ts~+oR) NET s e •353' Andrew Sklar, Esquire(ID#65332) Lloyd S. Markind, Esquire(ID#52507) Jordan W. Felzer, Esquire(ID#38670) Sklar—Markind 102 Browning Lane, Building B, Suite I Cherry Hill,NJ 08003 9 TA 856-616-8710 A P P 14 Attorneys for Plaintiff 3: 4 3 FILE NO.: FIIOI181 1 f3 COUNTY �71;'NSYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION-LAW FORD MOTOR CREDIT COMPANY LLC :No. 13-185 CIVIL Plaintiff TERM vs. CIVIL ACTION MICHAEL S GOODHART Defendant PRAECIPE TO ENTER DEFAULT JUDGMENT TO THE PROTHONOTARY: Please enter a default judgment in favor of Plaintiff,FORD MOTOR CREDIT COMPANY LLC and against Defendant,MICHAEL S GOODHART ,for failure to answer or otherwise respond to the Complaint. 1. The Complaint was served upon defendant on January 15,2013 by Sheriff. A copy of the Proof of Service is attached hereto as Exhibit A. 2. A Notice Praecipe to Enter Default Judgment was served upon Defendant by regular mail on FEBRUARY 8,2013. 3. A copy of the Notice is attached fte 0,00.0men A copy of the Certification of Service of the Notice is attache 4 - 9 -1 4b+C. Pursuant to the Notice,Defendant had 10 days in which to answer the Complaint. The ten (10)days expired on FEBRUARY 20,2013. Pursuant to Rule 236 of the Supreme Court of Pennsylvania,you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below. Assess damages in the principal amount of$5,296.80, being the amount demanded in the Complaint,together with contractual attorney fees of$1,324.20 and interest of$6,564.57 for a total of $13,185.57,together with costs of this action. SKLAR MAILKIND Andrew Sklar,Esquire(ID#65332) Lloyd S. Markind,Esquire(ID#52507) Jordan W. Felzer, Esquire(ID#38670) ATTORNEY FOR PLAINTIFF Date: 0%� aiOsb P-- CIL to-)'Sn SOCZ Ux N. �'' /`w -/ Lloyd S. Markind, Esquire(ID#52507) Sklar—Markind 102 Browning Lane, Building B, Suite I Cherry Hill,NJ 08003 856-616-8710 Attorneys for Plaintiff FILE NO.: F 1101 181 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA CIVIL ACTION-LAW (Rule of Civil Procedure No.236)Revised FORD MOTOR CREDIT COMPANY LLC : No. 13-185 CIVIL Plaintiff TERM vs. CIVIL ACTION MICHAEL S GOODHART Defendant CERTIFICATION OF NON-MILITARY SERVICE Lloyd S. Markind,Esquire, hereby certifies and says that he is the attorney for the plaintiff,that he is authorized to make this certification on behalf of plaintiff;that the above-named defendants MICHAEL S GOODHART reside(s)at 184 TEXACO RD,MECHANICSBURG PA 17050;and that the defendant(s)MICHAEL S GOODHART is/are not in the Military Service of the United States,nor any State or Territory thereof or its allies as defined in the Soldiers' and Sailors' Civil Relief Act of 1940 and the amendments thereto. Affidavit also certifies that the address of the plaintiff is 1335 S. Clearview Avenue, Mesa,AZ, 85209. 1 verify that the foregoing statement of facts are true and correct to the best of my knowledge, information and belief, I understand that false statements herein are made subject to the penalties of 18 PA. C.S.A. 4904 relating to unswom falsifications to authorities. SKLAR—MARKIND Lloyd S. Markind,Esquire(ID#52507) Date: ATTORNEY FOR PLAINTIFF Exhibit A SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheri# Jody S Smith Chief Deputy , Richard W Stewart Solicitor OFFICE OF THE$kSAIFF Ford Motor Credit Company LLC vs. Case Number Michael S,Goodhert 2013-185 SHERIFF'S RETURN OF SERVICE 01/1512013 09:05 PM-Deputy Valerie Weary, being duly sworn according to law, served the requested Complaint& Notice by handing a true copy to a person representing themselves to be Tracy Goodhart,wife of defendant,who accepted as"Adult Person in Charge"for Michael S.Goodhart at 184 Texaco Road, Silver Spring Township, Mechanicsburg, PA 17050, VALERIeN%ARY,DtPUTY SHERIFF COST:$38.00 SO ANSWERS, January 17,2013 RONRrY R ANDERSON, SHERIFF ic)Co4ntyS44%$NOedf,TetwsoR,Inc. Andrew Sklar, E,-,quire(ID#65332) Lloyd S. Markind,Esquire(ID#52507) Jordan W.Felzcr,Esquire(ID#38670) Sklar—Markind 102 Browning Ln,Bldg B,Ste 1 Cherry Hill NJ 08003 (856)616-8710 Attorney for Plaintiff File No.: F1101181 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNS'Y'LVANIA CIVIL ACTION-LAW (Rule of Civil Procedure No.236)Revised FORD MOTOR CREDIT COMPANY LLC :No. 13-185 CIVIL Plaintiff TERM V& CIVIL ACTION MICHAEL S GOODHART Defendant NOTICE OF INTENTION TO TAKE DEFAULT TO: MICHAEL S GOODHART 184 TEXACO RD MECHANICSBURG PA 17050 DATE OF NOTICE:February 81,2013 IMPORTANT NOTICE You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten(10)days from the date of this notice as set forth above,a judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to a lawyer at once. I'you do not have a lawyer or cannot afford one,go to or telephone the following office to find out where you cait get legal help: CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD ST CARLISLE,PA 17013 717/249-3166 � 1lvD i Andrew Sklar,Esquire Lloyd S.Markind,Esquire Jordan W.Felzer,Esquire Attorneys for Plaintiff deed e You are hereby advised,pursuant to the Fair Debt Collection Preedces Act,that this firm is desased to be s debt collator attempliat to coliett a debt and say information obtained will be used for that purpose. I t L S KLAR^-MARK I N D 102 BROWNING LN, BLDG B, STE 1 •• i CHERRY HILL, NJ 08003 ADDRESS SERVICE REQUESTED 'Wmwft�Ps"""Was 02 1P $ 000.460 0003155574 FEB 082013 MAILED FROM ZIP CODE 08034 J MICHAEL S GOODHART 184 TEXACO RD MECHANICSBURG PA 17050 I Andrew Sklar, Esquire(ID#65332) Lloyd S. Markind, Esquire(ID#52507) Jordan W. Felzer, Esquire(ID#38670) Sklar—Markind 102 Browning Lane, Building B, Suite 1 Cherry Hill, NJ 08003 856-616-8710 Attorneys for Plaintiff FILE NO.: F 1101181 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION-LAW (Rule of Civil Procedure No. 236)Revised FORD MOTOR CREDIT COMPANY LLC : No. 13-185 CIVIL Plaintiff VS. TERM MICHAEL S GOODHART CIVIL ACTION Defendant CERTIFICATION PURSUANT TO Pa. R.C.P. 237 The undersigned hereby certifies that on FEBRUARY 8,2013 1 mailed a true and correct copy ,by regular mail, of NOTICE OF INTENTION TO TAKE DEFAULT to: MICHAEL S GOODHART 184 TEXACO RD MECHANICSBURG PA 17050 I certify that the foregoing statements made by me are true. I am aware that if any of the foregoing statements made by me are willfully false, I am subject to punishment. SKLAR—MARKIND Andre klar,Esquire(ID#65332) Lloyd S. Markind,Esquire(ID#52507) Jordan W. Felzer,Esquire(ID#38670) ATTORNEY FOR PLAINTIFF . .. . . .. ... ._ Andrew Sklar, Esquire(ID#65332) Lloyd S. Markind, Esquire(ID#52507) • Jordan W. Felzer, Esquire(ID#38670) Sklar—Markind 102 Browning Lane, Building B, Suite 1 Cherry Hill, NJ 08003 856-616-8710 Attorneys for Plaintiff FILE NO.: F 1101181 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION-LAW FORD MOTOR CREDIT COMPANY LLC : No. 13-185 CIVIL Plaintiff vs. TERM MICHAEL S GOODHART CIVIL ACTION Defendant TO: MICHAEL S GOODHART 184 TEXACO RD MECHANICSBURG PA 17050 Date: March 21, 2013 NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania,you are hereby notified that a Judgment has been entered against you in the above proceeding as m1kcated below. X Judgment by Default r: Money Judgment �+ Judgment in Replevin Confession of Judgment for Possession Judgment on Award of Arbitration Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE,PLEASE CALL: ATTORNEY: Sklar—Markind Andrew Sklar,Esquire Lloyd S. Markind, Esquire Jordan W. Felzer,Esquire at this telephone number: 856-616-8710