HomeMy WebLinkAbout05-4460
II
SILVERMAN BERNHEIM & VOGEL
BY: Daniel S. Bernheim, 3d, Esquire
Lauren R. Berschler, Esquire
Identification No.: 32736, 88209
Two Penn Center Plaza, Suite 910
Philadelphia, P A 19102
(215)569-0000
(215)636-3999
CfTIZENS AUTOMOBILE FINANCE. INC.
747 Dresher Road, Suite 120
Horsham. P A J 9044
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
Plaintiff
v.
EARL MAY, Jr.
303A Salt Road
Enola, P A 17025
NO. 0$ _J./1../I,O (!;uiL~
n')
Defendant
NOTICE
You have been sued in court. IfYOll wish to defend against the claims set forth in the
following pages. YOll 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 ajudgment 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 plaintifI You may lose money or property or other rights
important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LA WYER AT ONCE. [1' YOU DO
NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW.
THIS OFFICE CAN PROVIDE YOU WITH !NFORMATlON ABOUT HIRING A LA WYER.
IF YOU CANNOT /\FTORD TO HIRF A L\ ~'YER. THIS OFFICE MA Y BE ABLL
TO PROVIDE YOl,' WITlI [NFORfVIAnON ',BOli r AGENCIES THAT MA Y OFFER
LEGAL SERVICES TO EUGIBLF PERSO~:S '\ i. A RElY fCED FEE OR NO FEE.
COURT ,.\UMIN[STRt\TOR
4: 11 Floor, ('urn berland (\11I11ty ("\)l111house
(~trj islt:o F/\ ! 70 13
1717) 24tH,lOIl
F:\\VPC;']'Jl( I( s:; lh64',Mi\:v-58J,('olllpbjn[ l)g:~(I,~ ',\ pd
SILVERMAN BERNHEIM & VOGEL
BY: Daniel S. Bernheim, 3d, Esquire
Lauren R. Berschler, Esquire
Identification No.: 32736, 88209
Two Penn Center Plaza, Suite 9 I 0
Philadelphia, P A 19102
(215)569-0000
(215)636-3999
CITIZENS AUTOMOBILE FINANCE. INC.
747 Dresher Road, Suite 120
Horsham, PA 19044
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
Plaintiff
v.
EARL MAY, Jr.
303A Salt Road
Enola, P A 17025
NO.OS -(I'I~ C;()il~
Defendant
CIVIL ACTION COMPLAINT
Plaintiff, Citizens Automobile Finance, Inc., by its attorneys, Silverman Bernheim &
Vogel, files the instant complaint and represents as follows:
1. Citizens Automobile Finance, Inc., ("Citizens"), is a corporation with a
registered place of business at 747 Dresher Road, Suite] 20, Horsham, P A 19044.
2. Defendant, Earl May, Jr., ("Defendant"), is an adult individual who is believed
to be residing at 303A Salt Road, Enola, PA 17025.
COUNT I - BREACH OF CONTRACT
3. Plaintiff incorporates by reference paragraphs 1 through 2 inclusive as if set
forth in their entirety.
F\WPC T\DOCS\31664\May-S83\Complain\.0823tl5.wpd
4. On April 23, 2004, Defendant purchased from Faulkner Harrisburg, Inc., a 2001
Pontiac Grand Am Automobile, with a Vehicle Identilication Number 1G2NW52E61C226123,
(the "Automobile"). Defendant's lease required him to tender 60 monthly installments of
$259.14 to Citizens. The transaction was evidenced by a certain Retail Installment Contract (the
"Contract"), which was given to Citizens on April 23, 2004. A true and correct copy of the
Contract is attached hereto as Exhibit "A."
5. On or about December 23, 2004, Defendant defaulted under the terms of the
contract by virtue of his failure to pay to Citizens the sums due and owing thereunder, whereby
Citizens, on June 29, 2005, demanded complete payment of all of the sums due and owing. A
true and correct copy of the demand is attached hereto as Exhibit "3."
6. At or about the time Defendant defaulted under the terms of the Contract, by
failing to make his monthly payments, Defendant informed Citizens that the automobile was
totaled and despite repeated demands failed to provide Citizens with the names of the insurance
carrier or allow Citizens to view the damage to the vehicle.
7. Under the terms of Contract, Defendant is required "to have physical
damage insurance covering loss or damage of the vehicle for the term of this contract", and that
Citizens would be a loss payee on the insurance policy. See Exhibit "A", ~ Required Physical
Damage Insurance.
8. To date, despite repeated requests Defendant has failed to provide Citizens with
the insurance information.
9, Additionally, the Contract also provides that a default occurs upon "any event
which substantially impairs the value of the vehicle." See Exhibit "A", ~ Default.
F:\WrC :'nOOCS\31664\May' S83\ComplainUI82305, wpd
10. Thus, as Defendant has defaulted under the terms of the Contract by failing:
(I) to make payments when due, (2) to properly insure the vehicle. and (3) due to the fact that
the value of the vehicle has been substantially impaired, the following amounts have become
immediately due and payable to Citizens, which pursuant to the Contract includes attorneys fees
and costs of collection incurred by Citizens:
Principal
Accrued Interest
(through 8/23105)
Accrued Late Charges
Attorneys Fees and Costs
TOTAL
$] 2,069.06
514.81
25.90
1,206.90
$13,816.67
Interest continues to accrue at the per diem rate of $1.98.
I I. Accordingly, as Defendant has failed to comply with the terms and conditions
of the Contract Defendant is in breach of the Contract.
12. As a result of Defendant's breach, Citizens has been damaged in the amount
of$13,816.67 plus $1.98 per diem from August 23, 2005.
WHEREFORE, Plaintiff, Citizens Automobile Finance, Inc., demands Judgment in its
favor and against Defendant, Earl May, Jr., in the amount of $] 3,8] 6.67, plus continuing
interest from August 23,2005, at the per diem rate of$1.98, plus additional attorneys fees and
costs of suit.
COUNT II- UNJUST ENRICHMENT
13. Plaintiff incorporates by reference paragraphs I through 10 inclusive as ifset
forth in their entirety.
F:\WPC 'T\DOCS\31664\May-583\Complaint.OlH305_\vpd
1\
14. Defendant has been unjustly enriched in that he has had use of the vehicle due to
the loan which Citizens granted unto the Defendant and for which the Defendant has
wrongfully and without justification or cause refused to pay despite demand.
WHEREFORE, Plaintiff Citizens Automobile Finance, Inc., demands Judgment in its
favor and against Defendant, Earl May, .Ir., in the amount 01'$13,816.67. plus continLling
interest from ALlgust 23, 2005, at the per diem rate of $1.98, plus additional attorneys tees and
costs of suit.
Respectfully submitted,
SILVERMAN BERNHEIM & VOGEL
\
)
By
aniel S, Ber
Lauren R. Be chler. Esquire
Attorneys tor PlaintitT,
Citizens Automobile Finance, Inc.
Dated: August 23,2005
F....wPC T\f}OCS\31664\May~583\Complajl1tUg2305 _wpd
VERIFICA nON
I, Michael Hecht, being duly :"WOl'l1 according to Jaw, depo,e and say thaI am a .lcgal
specialist with Citizens Automobile finallCe, Inc., .nd say that the facts set forth 'I Citizen~
Automobile Finance, Ine,'s Civil Action Complaint are true llnd correct to thebe: oJ'my
knowledge, information al.ld belief. I understand that the statements therei.n are n "de subject to
the penalties of J 8 Pa.C.S.A. ~ 4904 relating to UIlswom falsification to authoriti, l,
~~!~
Dated: ?klr
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RETAIL INSTALLMENT CONTRACT
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N01tCr. to Mff'E.N Of' U8I!D OR DalCWlTMTION VlIMCLU, THI! INI'CRMAT1QN YOU lei! ON ntI WINOOW I'OMll'OR THIS VIHlClJ! ..
,"NIT OF THIf CONTFIACT. lHFOIIMA~ ON ntI WlflDOW I'OftM OYERIU;lEIANY COWtftARY f'RO'MIOHIlItlME tl:ltmlACT Of' SALE.
A\RSO -. LOS COIIPfIAIlOllU DE AUTOS DI' U80 0 Dr DEIlI08"fRI.Ol6N: LA IfrlFO".....CIC* QUE ueno VE l!M LA. 'OllIIA DE
Vsn-ANIUA PARA UTa YiHlCULO I' ,""" DE enl! CQHTRATCI. u. ~ Ulo \.A FOMIA DE VD/TANllLA DOMI,."
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IF"fOU HOTMEETYO R CTOB GA N Y U YL TH V HICLE.
ITEMIZATION OF THE AMOUNT FINANCED
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CREDIT INSURANCE: YOU CANN01' BE DENIED CREDIT SIMPLY BECAU5E YOU CHO05E NOT TO BUY
CREOrr INSURANCE. CREDfT UFE INSURANCE AND CREDIT ACCIDENT AND HEAL1M INSURANCE ARI
NOT REQUIREO TO OBTAJN CREDIT. INSURANCE WILL HOT BE PROVIDED UNLESS YOU IIGN AND
AGFlI!E TO PAY THE ADomONAI. CHARGE. ThI pal/d.. or ~ lUIaII tr1 \t1I m.- wm ClIKIlblIIIII g"lfII .nd
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THIS CONTRACT POES NOT PROvtDE FOR AUTOMOBIl..E UABIUTY INSURANCE COVERAGE FOA
BODlL Y INJURV AND PROPERTY DAMAaE CAUSED TO OTHERS.
IMPOR1"IoNT: THE TERlII5 OF THIS CONTRACT ARE CONTAINED ON 80Tl1 SlOes OF THIS PAOE-. READ 'fME A\)I)\l1OHAl.
TEAMS ON REVERIE SlOI! BEFORE! SlONING aEL.Ow.
NOTICE TO BUYER.
00 NOT SIGN THIS CONTRACT IN BLANK.
YOU ARE ENTITLED TO AN EXACT COpy OF THE CONTRACT YOU SIGN.
KEEP IT TO P OTEC YOUR LEGAL RIGHTS.
a..y.. Co-E1uv-<
Slg,.. SIgns
BY StGNING BELOW. YOU A 0 LEDGE THAT YOU HAVE READ BOTH SIDES OF THIS CONTRACT. YOU
ALSO ACKNOWLEDGE REC1t'I'T OF A TRUE AND COMPlETELY FILlED IN COPY OF THIS CONTR4CT AND A
COpy OF THE Nil. l GRO , INC. PRIVACY NOTICE AT THE nUE YOU SIGN THE CONTRACT.
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AIIignedlo; CHLlIllSAU1omoO,Ia"""",,,,.lno. _
V SILVERMAN BERNHEIM & VOGEL
Attorneys at Law
JlUREN R. BERSCHLER
DIRECT DIAL (215) 636,3965
a-mail: Iberschlertfilsbv!aw.oom
OF ('X)UNSEL
JONATHAN A. SAIDEL
MARY B. STEIN
Two Penn Center Plaza
Suite 910
Philadelphia, PA 19to2
p, 215.569.0000
F, 215.636.3999
Semry Office Plaza
216 Haddon Avenue
Suite 704
Westmant, NJ 08to8
p, 856.858.9499
F, 856.858.4606
www.sbvlaw.com
June 29, 2005
CERTIFIED MAIL. RETURN RECEIPT REOUESTED
AND FIRST CLASS MAIL
Earl May, Jr.
303A Salt Road
Enola, P A 17025
RE: Contract date: April 23, 2004
Citizens Bank's Account No.0271-2702163177
Original Loan Amount: $13,407.52
Amount due as of June 29, 2005: $12,500.84
Dear Mr. May:
Please be advised that this firm represents Citizens Automobile Finance, Inc.,
("Citizens"), with respect to collecting a debt as set forth above. We wish to afford
you an opportunity to clear up this matter.
We are writing to notify you that we have been instructed by our client,
Citizens, to prepare a law suit against you. This action is being taken because despite
previous notices requesting payment you have failed to make payment on the debt.
When suit is filed it may give rise to the following consequences:
]. To defend the suit, it may be necessary for you to appear in court.
2. If a judgment is obtained against you, you may be required to pay court
charges, interest and attorneys fees in addition to the money that you now owe.
3. lf a judgment in obtained against you, a writ of execution may be issued
ordering the seizure and sale of your personal or real property.
4. A judgment is a matter of public record and can affect your credit.
F:\WPCNETOOCS\31664\May-SB3\30day,demand.wpd
SILVERMAN BERNHEIM & VOGEL
According to our information on April 23, 2004, you entered into a Retail
Installment Contract ("Contract") for a 2001 Pontiac Grand Am, in the principal
amount of $ 13,407.52. As you are aware, you have stopped making payments on the
Contract and have informed the bank that vehicle was totaled. As you have failed to
let Citizens view the damage or supply Citizens with the name of your insurance
carrier, you are in default under the terms of the Contract.
Under the terms of the Contract, you agreed "to have physical damage
insurance covering loss or damage of the vehicle for the term of this contract." You
also agreed, under the terms of the Contract to make Citizens a loss payee on the
insurance policy. Further, your delinquency, as you are currently past due for
December, 2004, also constitutes a default on the Contract. These defaults allow
Citizens to demand from you payment of all the sums due and owing.
Thus, as of June 29, 2005, you owe the following amount to Citizens: the
principal sum of$12,069.06, with accrued interest of$405.88, late charges of$25.90,
and $0.00, in other expenses, for a total due as of June 29, 2005, $12,500.84, plus per
diem interest of$1.98. In addition, you are responsible for the costs of collection
incurred by Citizens with respect to the subject Contract.
Unless you notify me within thirty (30) days of receipt of this notice that you
dispute the validity of this debt, or any portion thereof, we will assume that this debt
is valid. If you notify me in writing within the thirty-day period that the debt or any
portion of the debt is disputed, I will obtain verification of the debt and mail a copy of
the verification to you.
If you make a written request for it within thirty days hereof, I will also send
you the name and address of the original creditor if different from Citizens.
Please make arrangements to pay this debt and/or provide Citizens with the
name of your insurance carrier. I trust you will give this matter your immediate
attention.
THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. THIS IS AN
ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
Sincerely,
BY:
cc: Citizens Automobile Finance, Inc. (via fax)
F:\WPCNE1\DOCS\31664\May-5R3\30day,dcnlund,wpd
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CERTIFIED MAIL RECEIPT
(Domestic Mall Only; No Insurance Coverage Provld~d)
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(Endo_Requlrodj
CJ AeaItIcted Delively fee
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. Complete items 1, 2, and 3. Also complete
Item 4 If Restricted Delivery II! des'''''''.
. Print your name end address on the.reverse
so that we can return the card to you.
. Attach this card to the back 01 the mallplece,
or on the front If space permits.
1. Article Addressed to:
toxl !V\{!..YI Jr.
3D?> /\: !:So..\-\ kDo.6--
E'c\D \0-.. \?f\ \l b 21.:)
3.5eNlce Type
~cerIIfled Mall 0 Exp/esS"MalI. .
o Regl_ Jlt R8tum Aec&lpI for MeICli8IidiSO
o ln$Ured Mall 0 C.O.D.
4.. Restricted DelIuery'/ (ExtI8 Fee) 0 Yes
2. ArtIcIeNumber
(ll8nsrerflonllBl'lfl(le IabBI)
, PS Form 3811, FebruaJ)' 2004
7003 3110 0003 1439 8797
Domestic Retum Receipt tQ2595-Q2-M-1540 :
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SILVERMAN BERNHEIM & VOGEL
BY: Daniel S. Bernheim, 3d, Esquire
Lauren R. Berschler, Esquire
Identification No.: 32736, 88209
Two Penn Center Plaza, Suite 910
Philadelphia, P A 19102
(215)569-0000
(215)636-3999
CITIZENS AUTOMOBILE FINANCE, INC.
747 Dresher Road, Suite 120
Harsham, P A 19044
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
Plaintiff
v.
EARL MAY, Jr.
303A Salt Road
Enola, P A 17025
NO. 05-4460 Civil Term
Defendant
PRAECIPE TO DISCONTINUE WITHOUT PREJUDICE
To the Prothonotary:
Pursuant to Pa.R.C.P. 229, mark the above-captioned action discontinued without
prejudice.
Respectfully submitted,
SILVERMAN BERNHEIM & VOGEL
.~
.
B
Daniel S. Ber eim, 3d, Esquire
Lauren R. Ber ehler, Esquire
)
Dated: September 26, 2005
F \WPCNI -\DOCS\31664\'v1")'_5~3\Praecipe_Di,continuc O'l2W'.wrJ
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SHERIFF'S RETURN - REGULAR
CASE NO: 2005-04460 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CITIZENS AUTOMOBILE FINANCE IN
VS
MAY EARL JR
RICHARD SMITH
Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
was served upon
MAY EARL JR
the
DEFENDANT
, at 1653:00 HOURS, on the 9th day of September, 2005
at 303A SALT ROAD
ENOLA, PA 17025
by handing to
EARL MAY
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
18.00
12.80
.00
10.00
.00
40.80
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i - >>S;":'?'>.~"'~~ ,~__
R. Thomas Kline '
09/12/2005
SILVERMAN BERNHEI
Sworn and Subscribed to before By:
me this
day of