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Home My WebLink About06-1176 MAURICE & NEEDLEMAN, P.c. BY: Joann Needleman, Esq. Identification No. 74276 Thomas R. Dominczyk, Esq. Identification No. 85248 935 One Penn Center 1617 JohnF. Kennedy Blvd Philadelphia, PA 19103 (215) 789-7151 FORD MOTOR CREDIT COMPANY P.O. Box 6508 Mesa, Az 85216-6508 v. BRIAN PROVOST 1101 LindhamCtAptA8I0 Mechanicsburg, Pa 17055 NOTICE You have been sued in court [[you wish to defclld against the claims set fort]] in the following pages, you must take action within twenty (20) days after this complaint and notice arc 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. VauaTe 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 plaintiff. You may lose money or property or other rights important to you. Plaintiff, Defendant(s). ARBITRATION MATTER ASSESSMENT OF DAMAGES HEARING NOT REQUIRED Attorneys for Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS CaseNo.Ol.:.- //710 Cu~l ~ CIVIL ACTION COMPLAINT 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 rIND OUT WHERE YOU CAN GET LEGAL HELP. AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, ustcd ticne veinte (20) dias de plaza al partir de ]a fecha de la demanda y ]a notificacion. Haec Calla asentar una comparencia escrita 0 en persona 0 cun un abogado y entre gar a ]a corte en fomlll escrita sus defensas 0 sus objeciones alas demandas en contra de 8U persona Sea avisado que si usted no se defiende, la corte lomara medidas y puede continuar ]a demanda en contra suya sin previa aviso 0 notificacion. Ademas, la corte puede decidir a favor del demandantc y requiere que usted cumpla con todas las provisiolles de esta demanda. USled pucde perder dinero 0 sus propiedades u otros derechos importantespara lISted. LLEVE EST A DEMANDA A UN ABOGADOIMMEDlA T AMENTE. 51)\;0 TlENE ABOGADO 0 51 NO TIENE EL DINERO 5UFlCIENTE DE PAGAR TAL SERVICO, VAYA EN PERSONA o LLAME POR TELEFONO A LA OFICTNA CUY A DIRECCION SE ENCUE}.;TRA ESCRITA ABAJO PARA AVERIGUAR DONDE S6 PUEDE CONSEGUIR ASISTENCIA LEGAL. CUMBERLAND COUNTY BAR ASSOCIA nON Lawyer Referral Service 2 Liberty Avenue, Carlisle, PA 170]3 (717)249-3166 MAURICE & NEEDLEMAN, P.c. BY: Joann Needleman, Esq. Identification No. 74276 Thomas R. Dominczyk, Esq. Identification No. 85248 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 (215) 789-7151 ARBITRATION MATTER ASSESSMENT OF DAMAGES HEARING NOT REQUIRED Attorneys for Plaintiff Plaintiff, CUMBERLAND COUNTY COURT OF COMMON PLEAS CaseNo.O/c, - /171e. e;o~L'--r~ FORD MOTOR CREDIT COMPANY P.O. Box 6508 Mesa, Az 85216-6508 v. BRIAN PROVOST 11 0 I Lindharn Ct Apt A810 Mechanicsburg, Pa 17055 Defendant(s). CIVIL ACTION COMPLAINT I. Plaintiff, Ford Motor Credit Company, is a Corporation with its place of business at P.O. Box 6508 Mesa, Az 85216-6508. 2. Defendant, Brian Provost, is an individual who resides at 1101 Lindham Ct Apt A810 Mechanicsburg, Pa 17055. 3. At all times relevant, the Plaintiff was in the business ofloaning money on motor vehicle installment sales contracts, including but not limited to the note signed by Defendant(s), hereinafter more fully described. 4. On or about April 28, 2004, the Defendant(s) entered into a written Motor Vehicle Retail installment Contract, (hereinafter referred to as the "Contract"), for the purpose of obtaining financing in the amount of $24,123.00 at an annual percentage rate of 11.900%, in order to purchase a certain motor vehicle, 2004 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 arnount of $537.85 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 October 14, 2004, 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 in the amount of $16900.00, however a balance of $6263.12 is still due and owing, and a notice of the deficiency balance was sent to the Defendant See copy of the notice of the deficiency balance attached and marked as Exhibit C. 9. Pursuant to the terms of the contract, Defendant is required to pay all amounts due and owing, including any balance that may remain after the sale of the vehicle, and the Defendant 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 arnounts to $720.81 and which will continue to accrue. 11. The total amount due and owing at the time of the filing of this complaint is $6983.93. WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant(s), in the arnount of $6983.93, well as any additional interest and costs that may accrue and such other and further relief as this Court may deem equitable and just Respectfully submitted, M NEE -El\1AN, P.c. THOM S R MINCZYK, ESQUIRE Attorney for Plaintiff VERIFICATION I, THOMAS R DOMINCZYK, ESQUIRE, verify that I am the Attorney of record for Plaintiff, FORD MOTOR CREDIT COMPANY, and duly authorized to make 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 staternents are made subject to the penalties of 18 Pa.C.s.A. 94904 relating to unsworn falsification to authorities. DATED: January 31, 2006 ------ . OMINCZYK, ESQUIRE lli~i:J!~~::- _.~ '-" ~,""J OKl.AHOMA SIMPLE II{I'I!tmsT VEHICU! RETAIL INSTAL.MEHT CONTA:ACT CMOlTOR (8IlW ........ ......) 0" 28 Z004 DATE qAY!D.~TA.bEYv~ORO 6IlAHOM"th~ 0' 73112 Vc.., "~jInl~.r...w. n.,1lYy.............bIlIIIl'IIrOMflllrlll1ndl. n..."......~MIDw. "CaIIlPrD.' n.cncllPID .1IlCM!l,*".."T_"'"",*'IIrIlJpq"IIdWlIt,..~tlllu,.........OWI:"'''~OII''bIII''''-*G1''_ __ G.1UdI V )(11_ O~ 0_ IEW 2004 FORD T~OOl CHEVROLET ,12242.98 . y___ a............ rTIMlZAnoN OF AMOUNT FINANCED 1. c..tI Pr~ ...M.._..._.__._H_...M.__.__.... ......_......_.H_....._..... S 'QO!lg.on (1) 2. DoWn P.,-nt (.JTlllrdhnyRebntAUlgnedtoCMllor......... ....H.._... $ 11;00 no ~) C..h P.Id_._......H.........._........_....._............._....... .._........ $ hllnn on (cl~Down~du. $ IIA (d)-CIIIl Down Payngnt (ll.m.2{t), 2(b), 211:)1.... $ non on ('1 T...-.m (DMeripIion Abovt)....."......................................,... $ non TolIIl Down hrmMll: lllemI2(lI).1Id ~.)I...,._..._....... 71;00 on (2) 3. UrflaId B,"n~ gf Cull Prk;8 (1 minus 2).........................._. S'1 t:ClQ fin (3) 4. Ano..- peld 011 your DIhIIf (SIllIIr may be ratIlnlng a porllon of IheN amounu) To Public 0ffIcl811 Ii) 'or Iicen.., ~u. & re-gillratio<'l lenS MIA (li)/orftinO"HS 10 nn {iii)latalllts{ooti'1CashPriceI S N/A s----1O....O!L IFAFP42X44FIl756 12242.98 -- Toln....r.nCllCornplrllqlclr. C....ItLH.L........_...... CJrf~ DlHbll/ty ,-.............-.-. T....Ut(U ~~ ;;..s.t~.vrtT.toi.fA'At"f'....... To1Ht At.l:il:> (jt(OUJTliJlJlfw~ INSURANCE ToUAVl1l :'IMLI:.T "UflU foIUUlUnUlIAllOJf fEE. To/II.l\ for If/A '-_' TIItal................................................. 5. AnlcMltFln.nced(3plua..)..._......................._.. . NtA .= :~ S~ s 99.00 S --...!li.L S 2524.00 (4) S 24123.00(5) OJ ANNUAL PERCENTAGE RATE The coli al)'Ol"cndII ulyaarfyrat. ANANCE CHARGE T"-doIl1r_1.rlI ~_.. -... Total of Total 881. Paymenb Price TlIeIn'lllf.n)Oll ThelOlll_ wIII'-_ oIyo11'p~ .....n1Oll1l8V'll Glt<ndt ......a11 Rc:loodngI"'If = .':"!:lw.lfu 3ZZ71.00 5 J977l":"UU" Amaunt Financed Tht_IoI'TtOl ...,...... 10 l'Ou 01 00 ... .... 11.90 %,8148.00524123.00, "W'I'anI~It_e:Nvmbtrot - YllUfpaymentld'lllGlM~S wiIlb<< lrll'lll $ ....u.... ,,- 537.8S )~/.lf) WIlInP~..clu. orn'!!~ o ....,..,_1: W \'OU parol! your GetIt llIIy. you wil noI hlYllo pay a pondy. ~1~=..'.~=-~;::-~.:'==~;:~==::= Socurhy IntaIW.t: Vgu .... gMng . _lIlY I...... In !hi \IlIh~ bIIlno pun:llallo1 eomr..:t:PIaue_1hlsconl..:t6oraddlllonlllnlllnnllionon--..r1ly~~ cloloI..ll.lhllrighllCl.....'.pa_mDlvoo-dobIlrl~IMfOI'IIIII.DllldUllddlll.1Ind prIpI~~IPIflIllY. JNSUJWICE YOU MAT OBTAltiI VEHICLf: lHSURANCI!: FROM A PERSON Of YOUR atOlC!. UAIIIUTT INSURANCI! COVERAGE FOR BODlL Y INJURV AND PROPEFITV DAMAGE CAUSED TO OTHERS IS NOT ONCUJOED. CREDIT UFE, CREDIT DtSABlUTY AND OTHER OP'nONAL INSURANCE ARE NOT REQUIRED TO OBTAIN CREDIT AND WILL NOT BE. PROVIDED UHUSS YOU S1QN AND AGREE TO PAY THE PAiMlUM. OCredi1urdUA Insurer $ ----!lA... Premium Insured(s) Slgnature(s) OC~dil Disabillty'HA $~ Prtlmium Insurer IllSured s """'" o ptherOptionaJlnsuraJ'lCe Term .- Insurer Premium Signature ClldtUf.INlCnd.D1ub111r~_ 1Or1ho1_1l1ho,,_n.__ ~.."-k!lftOtIc:o..~ glvanlQ 1'01I Igday. yDU..MqUhdtoln.....Iho.......". chIrIIl.llIownbllrM,c..-orwllVyllbuy "'~clllcllMlw""""1llIMI. ~ ~I:" e::r::: .:-:.:..: ... llnI'-oflllt policy. CJComprohar'llHlD~OoduclIbIo """'" CJFl"~"'-"'CoYIra", CJTowWoganclllllof o T..... =-.lli.A- ......"". (E"'''''''') PrI"*'m5----1ll.A. DDIbt~W"-AdIIIndulll(Oplllnll) .....bOll.~l'IU'-~.dIbt ===..;=~':c..~ ...oordllInIII ""dIIlClllllllllliorl............ .....lfl...___..~ rG..-..ThIprafllrlttdlblcancolllllWl .........III,.",.OIlllil_IoI..lIIroiulk:11 alAmoumFlna.- . A#PI~~~"'~lnIIllfMdbrYOU"d"'Cl'ldllor. ~ . :nit: ~ .trR&1Lf.8iEolJ1Mlll~IJtl~D AND AGREE TO BE BOUND BY THE ARBITAAnON PROYtSION ON not. ....._1 "yourNd or lIepecee. ooe.. the conv.c:t you .Ign, BU)'W (end co.e"",. -*,owtI4ge "* <I' befrore lllanlna Ible eontncI.. BIqI! andcompllle/w'f1 fltllaCCNInctend(Jl) n Itl true MIl ofltlle .......1t1ai<Giil:.CrIlI-:--'''''''.- -.,DAVID STAIILEY FO~ !lot ~.1_ "*OS(l'f-.o_...,.ICIIII....j SEl!IJAO(I'OIIIAOOITIONALAQREEMENd , ....MAL toennKIc:opyof . -- ."",..m No...l.J , ?-. QUESTIONS? ~ PLUS!! CALL US AT 1<<1O-727-1UOO .. Villtuaat....1ordotedlt.com - ADDmONAI.. AGREEMENTS A. ...,....11J:'r'Oll~maIie..pe.yrMlUInU.s.IundI..... Q.. ~YOUwlllbeln~llt. 1wI.,.m.-.Ywl'\'I8J'prtplIryOlll'debtalanylln1llwlltlO\/lpM- 1. YClUdIllllll....~wflInltif;due;or Illy. ll1II..1lrnpIe inlIMIt CIII1lr8Gl n. KIuIlINra charp 2. You o-w t.lM Of IIIlIIIIldInglnlc:lnftdcnonyourcrd. YOUll\JfMtapeywllldlptndon'fC4J!lpeymenlpdlml. ThIIK'tI.-I IIflPIICtIIOn 1IlItIna1o It*cantmct; or .....dlatgtrrtftfellCMd_diICIOMd~ChlrgeIl)'OU 3. Ytv...lIl111lzedbylnykal.....Ol'fIIdDnlI ......)WI'pt:)W*ll:IlnrlhlnU.IChIcUId~Ql'In....1WI euhrltyllld..notPrompllyand~ ..~PlOId.'IOAJ/Il/aYIIIInlwlbllJlPl-dfnllD.. reII.nl<<lbyou;or """andunpllclpart~lllll=lnMclawg..ndIllenIo'" "'YClU...~ptMIonOt_lIIlll1dlgllnllycu;Of ~AnIlIUlt~ n.FNnceCNrgt18.....t,,~ 5. YDUdollClt_aJI)'~~In""c:ontrw;il. k1g....AnnlId~A.-tDthe~A/ftcUIIF1rIInoId IllJ IIIe acIU11 lIIl'* thai lhI ~ An'lol.n: FInInc:ed II .youdonotQft~OIfauII,wlleNlIIlIw*'bylaw.thec..ctlor _ lTIf.yf'lqUi..yaulD~._lIIllunpllIcl'AmounI~.1IIe . ulMdanclll",*,pIflorl'ltl'\nllnCllcr.iglaM"OlW ..,lQUI'ItIduI\nMIrlllil~HeIMYI'IpOIMII(llllabldc) Ihe ltIhlde, 100. He may...... gooclItlMld In IN'" """,~wJClholdlhenlloryou. HltMiyt/llc:ttlalMlnbk:k, he wIIM!'1d you a notice. ThlIlClIic't wlUY'*YOU!MY*"'"' (buybtK:k) '" ythk:ll. II MI_ $hOW lie flII'lCllJIlt nelllMd 10 NdHm. You IIIIY .redHm tte ~lIplo....""er.dilorHl.ltO(~IoHlIR.rryovdll notl'8dlemthe.....~.KwIIll:.soId. ThemoneylromlhtMle, '-11h81l1owed~.~be \Md to ~ \lie amooot Il:lII 0Md on IIU l:OfIIrlM:!. Mowed ~,"d'IOMl)Ilid...drectrNVIto!t1fWlnglo~ vehida. hold It. pl"'~ /I lor .....IIOd... k. YwyM;'I_ mil I&galcoetapennltledbylllwa""Iowed.too.lttt.rels~ moM'tlll!l(.llUrplut), ilwill be PllidloyOll. II'" mgnevlfomthe lIIle"noI~lOl*folflhilCOnlfaeta"clOON.youwill*ll w~t\e;llIl1owtolllo\lleCredlor.lfalloftdbyl.w.ltyaudonol I*t lIlit ~ when 1htI er.di\or ukI,lIw Credlor may ctllIfQ8 youlnllllUtllltllhpllawlulrateUrllilyou!)aY H. ConIUI'Ml' A.porq: YOlI authorize FOld MoIor Credil Comp.nylOoblaln~umet'creodit reporI8 rrom ~umur~- 1ng.~.(e1*Itbur<l_)foTany'...onatldlll",.,.\lmeWl conlllll;liQllwithlhilaa::ounl l. GlIn'''~ To conllld Ford Molor CIIdiI Co~nv abool tills account, eIII ,-aoO-727.1OOO. Alto, you may maD addl8l1!111d OItl8'MIeeItlo:l c:l'\w'9I5 al_.!ul'\l(;rdil,cam,ihe law 01 Okla. homa app1lee 10 Ihlf,IXlfIlrKt If IIla IBwdoes nolllllow &lithe IIgreerrNlmaw, UliscontrBcl.lheonel lhlIt_nol allowed wlI be void.The...lollhboonlracl'W.I""~good. FTC NOTICIE& - ~~EDlT CO~;RA~~~:~~~:C~H~~ ;~N~~~~: AND DEFENSES WHICH THE DEBTOR COULD . ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. R~COVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BV THE DEBTOR HEREUNDER.. Used Motor Vlhlcl. Buye'" Gu~. II you are buyiOQ a used vehldl with IIlls CQIltr8Cl, lederal regulations may T<<IUIN a sp&eiaI 8uy<8rs Gulcle to be dlIplay6cl on 1M window 01 the venlc1a. THE INFORMATION YOU SeE ON THE WllllDOW ,.OAlVI FOR THtS VEHICLE IS PART 01= TlfIS CONTRACT. INFORMATION ON THE \WIDOW FORM Ovt:ARIDES ~~&Ic;,ONTRARY I. s.curnylntllrNt:Youghollhller.dllcraaecurtlylnterealln: 1.TheWlhlclland"'ptllIar~gootlIputontlll~ 2. AlIMOMyorlJOOCl&NCelrtIdlorlhewhldl;end 3. .....r..r&I'lCIt P*1liu'nl1l'ld MM:e ocnndIJrl&IICId lot you, ThiBlllIlU..paymenloIalIamounlayou_uodlll'lhl.oonlracl. 1t.laollollCUflllyolJ'otherllglWlNllllsw,lhI.eonlract. C. LIM of Vehicle . W.,.ntIn: You mull lake aII1I at lhe YlIlIicI8 and obey llllalWln UIlng n. You may not... or rent lhe vehicl8.nyou mU9lkMplltr..lftlmlhac\almlofolhers. Ycu wlI notUHlIfp<<n1l:1tIeUllol"~hkHOllIIldIIoltha~1II SlateI.exceptloruplo30d.yaw,canadllort.telcloo.w!1Iout1hll prior wrllan COIlIII'(of IheCrdQr.' the vltllcllll of.type 1l0l'll'lllll)' "lid lor ..-... u.. encl 1Iw er.ctttor, or lM "'1Ih1c.... --*cIunrr, utencIa . ......n -.nt)' or ..mce cllllRGtoowrlrtgthl",.ltlclllrilNnllOdlysftamlMdllloI ItlII Oonll'Kl, you get 1m'" warnlllln of _"-m.blllly a/Id tltnM. tor . pIrllcuIar purpo. elWM1"1 ItM 1I<ItII$. ou.rwt-. you undlntand and ... IlMllltllfl.1'II no.ud! lmpllfll ....ml.., ..cepl .. ~1Il"Wl" pl'llllldecl by .IIM .... D. 1nIc.lranc:.:Youmullllniu~yourselland1h8Cfedllora!illlirlRl lo.-atct.magllOthlveh"*.Thetypland8ll'lOl.--.lollMunlnce mlllltMl~bylhlCre<itor.l!IheCRldItoroblalnaalefund onlItSUItlI'lC'OfsaMr::ellllllradlJ,CradilOlwlll~lhtrefund lrom whal you 0_. W~a, not ttM whlcla "In_'d. )'011 mull P-rfor 1111' 1I1.1011,~. or dnIlopcf. If.ch.""kltlha-.hideinlurArll::.II:1hcJoononlh.lront.lhe Cnldllorwllllrylobuylhacoverageschecklldrorthellttmshown. Th. C.-.dllor i. 001 ti_, lhoIIlIh. ~ ~ CIMOl dO 10. II tll.... ~ _I mo~ than 1M amounllitlowrllor k'Ia.lronc8, thI CNdilorfII8Y buy 'Nm for a ItIorl8l' Illrm o. he may.,. you credII: for 1h8 amount anown. It IllI cannot buy IIn)' W,SUnor.ol. hi wi. 11M! you CfIIdlI tor Ihe &mOUN .hown. lllI gWlI win be mild. tolhalulpeymenlldue. e. l...ChIll'gll:YouwillhlMtIQ!lIIy.Ia,.ehlrgeonlhapolllon ot.ilChpaymlnl made monllhen Illn daytla,.. Thaehaf1lll II: thownOtllhlllronI.YOIImllSllIIBopil'frmycoalpl!idbylh.C,edilor locollltelanylld.p.l)'mtrll...8lI_.dbylBw.AorlltplInoIlol. L.l.paymantor..,.chargtdoesnol.KCUMyourOltauIlOrmNn Ihlllyou can kNp IlllkinO paytT1ftjftll an.rml)' art dU.. The Creditor may lake ItIll slope Nt forlh abovtllr the,. ia eny dlrI.utt. 1'. AeturnlIdCl'lKIICl\lIrgII:YoulllralIoPlY8..wmedchec;k charglloIS25.00!or.ltChc:hKk.drllfl.0f01h..0lder0IpaymIln' that 11 dllt!onorod Iorllny IIa50lL 'Ooe. nOl epply If purehlMd ler _1IlarC1rI1 01 'lIflolllt<l'.. IlH. In thR 0.... '"'" Cd.blor) will not_It'llDln",.ny ..lien" Of .uINlIlfU.....haldIlDIIIlIaCcmtrael.nyel.I...,d.r.n......or_". ""'ID"y........,,.......,.ln"""...llrIrD.""'nulHIIlNtol"'" ft~~ aUARAHlY h~ lI'ID Sellar to ..a lhI.,.hIc:le dallcrIblldon '*" Itont 01 ttIit eonlraClto thll Buyer, on crDdll...oh p,fII(Inwho IIlgnIIMkM.. . "GuarIInlor" guatllm_... PlI'fTl'I1t oI:lhII conIfICL TNlI.,...,.. IhlIl /I h Buytw Illilll to pay ..rmon.., I!IaIIII ow&don Ihl. c:onlIBC\, AChO'W whollllrll" allU'tlItIIorwll~ n w4'1en8lllled. E8chplllrllOl'\who IIgnIbllow.-lI'I8llleWftlbl ~llbIefor lh1who1a-.nountowedfIVWIII0'W0f1l'lOl'll0lhlrpetlGll1l5OslgnatIQGuararlly.HlrUollllral.lObll1bIllevttnlflhaCredltor doltlI 001 or 100..01... ~ (I) gIvN It.- Buyafmo..1Im11O PlY 001 0._ payments. 0' (b)8l-' roIMHIn lull orin pari \0 ;anyot~OlhIrGuaranloni, or(el....... "'f HCUttty. EacIl GuaranlOr1lDO Dt"..lhathll has rec.ivId D e~'1&d oopyotlhis oontrlIclllfldlhi.G\I8f'DIlIy.tIhDtlmIotslgnlng. Gu.ranIOl """""~ ,,- -- READ THIS ARBITRATION PROVISION CAREFULLY AND IN rrs ENTIRETY ARBlTRATlON AIblIrlldon III a mlllhorl 01 .-wInilDny dalm. d1"11UIl, or COIl~ (coIIIocl""~, D .CIaim.J wiIhoIIl .I~ '-wIIIIt kn oourt EIlh.- ~ ~("rj~'~-=:~~y-=~=:.e'~;':f'IeW : ~~":r:1n ~~=:v or otMtwI1e; ::It Claima.~ng!he IrllerpfWlion.llCOP' Of..wlly of thil cIwM. or:=1ly ol "'Y UIl1l: 8) Claim. a.TwMn yvu and Ill. our.mplov-. 'lI'"tD, DIlQCllUOra, _Igna, Dub..., Of lifflliatM: 4) Cl.I"" .ri.inlil out of Of f1lIlIlInlillOyaur .pp1illalion fliruedll. lhielllllltrllCt,or.....rMIIltlnglnlnl8c1lonorr<llBllonahlp.lnckIdlnglhalwtlhlh.cltI.illr.or",.,.soohrelallonllhlpwtlhlhlrd..rlllawhodCJ notDlgnIhll_1. ~,:.:.s~~~'t:~leQ~Y~, "- you aOO_ BQI'IIlItowalvathe IollowWlg righll: .~ . =:gig :~::l~~ ::..~=~~:~ OR A CLASS i'J;lUIlllER IN ANY CLASS CLAIM YOU I/IAY HAVE AliAINST US wtIETlIER.. COURT OR IN APlBlTMllON MOAD RlOIfT'S TO OISCO~ AS ARE AVAILABLE IN A LAWSUIT FIGHT TO APPEAL 'nil!: DECISION OF AN AIt8I'nlATOR . antE" AtGHTS ntAT ARE AYAII.A8LE IN A LAWSUIT !'!!lis YI"ie~.:!G~UD: If. CliOm 11118ltllb""', you Dnd WI will wnci_lo ""..1I'Hl foIowing rigIIII, without nglll' U 'ntClllm:1)Rlghllolllablnkrupkylnoourt;2IRlQhtlotnlorc5th11l11CUrItjr~lnthll ~lIhiclll,whIItIoIrllr~Dnorlhrough.cau"oIlaw;3)RlQtIItollll<ll"'Oalaclionloent6raell'l"~'dIdSlon;1nd4)R/gtIl Ior~lhaI.acou~rJlaWI'IIY"'wMlhlrIl'HlDrbllr1lor..e-lildQ~. . =..:~ ":::1~~",? .~ balow inii ihl other PDrTy 10 &WI .rbltrI.llon. Tha Ippllcabl. IUIa& (lhll "RuIlls.) mil)' bIo . A....rIcDn _ "-_lion I"AM"). 111..800-778-7171. or _..,;tr.org; ~ : ~~~~~~~:~'-~'{' I.,..~~ . ........wnfllol--....Au_ ~.;.. .11biCootrliClta~lolhehderalAnlilrllllonA(:l 19U.S.C.lll11Mq.)Mdlhe~AuI_otE 'rb/IrMIon~""blln1fll1llngwltl'lIUP;IlIrtlngoplnlon.W.wIl ~J~,Tf25.re;::-~~-:.:"...-r;.-~~~:~of~~~~~W: Ihaflbl.........encllhe..rn.ln!ngplOYll.kinashDllbloet*lfoecl ~,__... "vOljP,___HOT_-.l ~ Date of Repossession 11-12-2004 ".PRN". Date of Notice Date of Contract Ford ~ Credit Company 11-16-2004 04-28-2004 P.O. Box 152271 IRVING. TX 75015-2271 Account Number. 036893573 (877) 896-n56 8uIIllf BRIAN PROVOST CobUIIllf ANN PROVOST DESCRIPTION OF PROPERTY Yea, Make 0 New 2004 FORD 0 Used BRIAN PROVOST 'vehicle Identification Number: 1226 DOUG Hill RD 1FAFP42X44F117256 HUNTSVillE, Al 35810 Model Body MUSTG 2DR NOTICE OF OUR PLAN TO SELL PROPERTY We have your property described above because you broke promises In our agreement 0 PRIVATE SALE: We will sell the property described above at o PUBLIC SALE: We will sell the property described above at public private sale sometime after 10 days from the Date of Notice sale to the highest bidder on the date below (or any adjoumment shown above. date). The sale wilt be held as follOW$: Date of Sale 1 Time of Sale I Place of Sale I I You mayattenc the sale and bring bidders if)':lU want The money that we get from the sale (after paying our costs, including reasonable attomey's fees and legal expenses if permitted by law) will reduce the amount you cYoNe. If we get less money than you owe, you will still owe us the difference. If we get more money than you owe, you will get the extra money, unless we must pay it to someone else. You can get the property back at any time before we sell it by paying us th'J full amount you owe (not just the past due payments), including our expenses. To learn the exact amount you must pay, call us at the telephone number above. If you want us to explain to you in writing how we have figured the amount that you owe us, you may call us at the telephone number above, or write us at the address above and request a written explanation. If you need more information about the sale call us at the telephone number above, or write US at the address above. We are sending this notice to the following people who have an interest in the property described above or who owe money under your agreement: 1) The buyer and any cobuyer named above; 2) Any dealer/original creditor named below; 3) If there are other people, they are named on an attachment sent with this notice. D The property has been (or will be) returned to: (dealer/origlnalored.Of) Under our agreement with your dealer/original creditor, the dealer/original creditor is to sell the property and pay you any money left over. If you aNe money after the sale. you will pay it to the dealer/original creditor. []] PERSONAL PROPERTY: Any per$CI1al 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. o Creditor has assigned to lts qualified intermediary (QI Exchange, LLC) it$ righ~ (but not it$ obligatiOn$) 'Nith respect to the sale of each vehicle listed above. PAYMENTS: All payments to us must be by certified check or money order. MILEAGE DISCLOSURE: If you are aware that the mileage reflected on the vehicle's odometer is not accurate for any reason, please contact us 80 that we can accurately report the vehicle's mileage. INSURANCE RIGHTS: If you don't want to get)':lUr property back. call the insurance company or the dealer/original creditor to make sure that any insurance has been cancelled. You haw a right to get credit for all premium refunds. GRACE X. GUILLEN FFNA 11988 Jan 02. PrfNkJus editlonlJ may NOT be used. CUSTOMER/CUSTOMER FILE Prirted 10 U_S.A Ford Motor Credit Company PO BOX 152271 IRVING TX 750152271 677 6967256 DATE: 2005-02-12 P01 JD400000636 BRIAN PROVOST 1226 DOUG HILL RD HUNTSVILLE AL 35810 ANN PROVOST 112 SW 15TH ST MOORE OK 73160 STATEMENT OF SALE Surplus. The SurpluslDeficiency will change based on monies received by us (credits) or additional allowed expenses & interest added to your account (debits). Account Number: 036893573 The following property has been sold. Year Make Model 2004 FORD MUSTG Balance owing on your contract Deduct: Finance Charge Rebate Balance less Finance Charge Rebate (1 - 2) Deduct: gross proceeds of the sale Balance less gross proceeds of the sale (3 - 4) Add: Expenses of retaking and storing, and any attorneys' fees allowed by law, and expenses Of reconditioning and selling. Deduct: Insurance Premium Rebate Other: Deficiency.. Surplus* or Deficiency** Vehicle Identification Number: 1FAFP42X44F117256 (1) $ 24,099.69 (2) $ __~00_ (3) $ 24 099.69 (4) $ _lMO_O,O.Q, (5) $ 7.199.69 (6) $ 761.0lL (7) $ (8) $ 332.34 1,365.23 (9) $ 6263.12 (10) $ N/A * If the sale resulted in a surplus, a refund for the difference will be mailed to you. ** If the sale resulted in a deficiency, you should immediately remit the amount shown on line 9 to the address for payments shown below. For additional information call or write: Ford Motor Credit Company P.O. BOX 6508 MESA ARIZONA 85216~50B (800) 732-2264 FFNA,1990 01104 Previllovs editioJ')s may NOT be used. Mail deficiency payment to: Ford Motor Credit Company DEPT 194101 P.O. BOX 55000 DETROIT MI4825~j-1941 (0 .(A ;:j ~ U{ ~ ~ ~ - ~ B "i <f- ~ ~~r- E "--i .".G " , -,., (,". r':'l . .,-' SHERIFF'S RETURN - REGULAR CASE NO: 2006-01176 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND FORD MOTOR CREDIT COMPANY VS PROVOST BRIAN WILLIAM CLINE , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within NOTICE was served upon the PROVOST BRIAN , 2006 DEFENDANT , at 0010:46 HOURS, on the 6th day of March at 1101 LINDHAM COURT MECHANICSBURG, PA 17055 APT A8I0 by handing to BRIAN PROVOST a true and attested copy of NOTICE together with COMPLAINT and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 8.80 .00 10.00 .00 36.80 Sworn and Subscribed to before me this ,;JIM day of ~-'~ ~Jhl;J4is y A.D. So?~~ R. Thomas Kline 03/07/2006 MAURICE & NEEDLEMAN BY:~y~ v Deputy Sheriff MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 Thomas R. Dominczyk, Esq. Identification No. 85248 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 (215) 789-7154 FORD MOTOR CREDIT COMPANY Plaintiff Attorneys for Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS v. CASE NO. 06-1176 BRIAN PROVOST Defendant( s) PRAECIPE TO ENTER JUDGMENT TO THE PROTHONOTARY: No answer having been filed in the above Civil Action, kindly enter Judgment in favor of Plaintiff, and against Defendant, BRIAN PROVOST in the amount as follows: Principal Amount Interest to Date Costs Attorneys Fees $ 6263.12 $ 941.34 $ 92.30 $ 0.00 TOTAL $ 7296.76 MAURICE & NEEDLEMAN, P.C. BY: MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 Thomas R. Dominczyk, Esq. Identification No. 85248 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 (215) 789-7154 Attorneys for Plaintiff FORD MOTOR CREDIT COMPANY Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS v. CASE NO. 06-1176 BRIAN PROVOST Defendant(s) CERTIFICATION OF NOTICE TO ENTER DEFAULT JUDGMENT It is hereby certified that a written Notice of Intention to File the Praecipe was mailed on 04/03/2006 to Defendant, BRIAN PROVOST, against whom judgment is to be entered after the default occurred and at least ten (10) days prior to the date of the filing of the Praecipe. A copy of said Notice dated 04/03/2006, a copy of the receipt for certified mailing to the Defendant and affidavits of service of said notice are all attached hereto. MAURICE & NEEDLEMAN, P.C. BY: MAURICE & NEEDLEMAN, P.e. BY: Joann Needleman, Esq. Identification No. 74276 Thomas R Dominczyk, Esq. Identification No. 85248 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 (215) 789-7154 FORD MOTOR CREDIT COMPANY Plaintiff Attorneys for Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS v. CASE NO. 06-1176 BRIAN PROVOST Defendant( s) CERTIFICATION OF ADDRESSES It is hereby certified that the parties have the following addresses: Plaintiff: FORD MOTOR CREDIT COMPANY P.O. Box 6058 MESA AZ 85216 Defendant: BRIAN PROVOST, 1101 Lindharn Ct Apt A810, MECHANICSBURG, P A 17055 INCZYK, ESQ. 'ntiff MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 Thomas R. Dominczyk, Esq. Identification No. 85248 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 (215) 789-7154 FORD MOTOR CREDIT COMPANY Plaintiff Attorneys for Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS v. CASE NO. 06-1176 BRIAN PROVOST Defendant( s) AFFIDAVIT OF MAIL SERVICE STATE OF NEW JERSEY SS. COUNTY OF SOMERSET THOMAS DOMINCZYK, ESQUIRE, being duly sworn according to law, deposes and says that she is an attorney at law and that on 04/03/2006(date) he/she rnailed a written Notice of Intention to File the Praecipe to Defendant, BRIAN PROVOST, atllOI Lindham Ct Apt A810, MECHANICSBURG, PA 17055 by certified mail, article nos. 71555474410024491014. Copies of the receipts evidencing said mailing are attached hereto, A copy of the signed green card evidencing receipt of said mailing is attached hereto as welL BY: SW.O RNTO AND~UBSCRIBED befo~ rne this ;;l " y S/~ !4nc;, 200 .'(j1, N~2W . !XL. ~ A NrJrR..!1 !'C NEW JERSEY My Commission E>cp.I"; 1110112009 " MAURICE & NEEDLEMAN, P.e. BY: Joann Needleman, Esq. Identification No. 74276 Thomas R. Dominczyk, Esq. Identification No. 85248 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 (215) 789-7154 FORD MOTOR CREDIT COMPANY Plaintiff Attorneys for Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS v. CASE NO. 06-1176 BRIAN PROVOST Defendant(s) AFFIDAVIT OF NON-MILITARY SERVICE STATE OF NEW JERSEY SS. COUNTY OF SOMERSET THOMAS DOMINCZYK, ESQUIRE, being duly sworn according to law, deposes and says that she represents the Plaintiff in the above entitled case and that Defendant, BRIAN PROVOST, is over 18 years of age; the occupation of Defendant is unknown and to the best of Plaintiff's knowledge, information and belief, Defendant is not in the military service of the United States, nor any State of Territory thereof or its Allies as defined in the Soldiers' and Sailors' Civil Relief Act of 1940 and the amendments thereto. BY: EDL MAN, P.c. MA SWORN TO AND,JUBSCRIBED r;"'!/ii;,~?i5~,~ ) ~ltary PUb'C/+ Y 'f I(Y~~8LY L. PAPERA A NOT~FlY PI lei. Ie OF NEW JERSEY My Comml$$IOIl Expires 1110112009 , Sullo 935. One Penn Center 1617 John F. Ken~y Blvd. Philadelphia, PA 19103 tel. 215.665.1133 fax 215.563.8970 WW'ItI.mnlawpc.c:om Donald S. Maurice Member NJ Bar Board Cer1lfled CI1ldIIOlS' R~hlS Law American Board of Certlf..lion Joann Needleman Member PA & NJ Bar Thoma. R Domlnczyk Member NJ, NY,& PA Bar TIClE NUMBER: 155 5474 4100 2449 1014 April 3, 2006 Our File No. 3084 VIA CERTIFIED & REGULAR MAIL BRIAN PROVOST 1101 Lindham Ct AptA810 MECHANICSBURG, P A 17055 RE: FORD MOTOR CREDIT COMPANY v. BRIAN PROVOST CUMBERLAND COUNTY COURT OF COMMON PLEAS, CASE NO. 06-1 176 Dear BRIAN PROVOST: Enclosed please find a ten (10) day notice of default which is self- explanatory. This is being served upon you due to your failure to respond to Plaintiff's Complaint served upon you on 03/06/2006 . Unless an answer to Plaintiff's Complaint is filed with the Court within ten (10) days from the date of this notice, a default judgment may be entered against you, If you would like to discuss a resolution to this matter, please caU our office at 908-575-0220 ex. 21. Thank you for your prompt attention to this matter. ,ESQ, FEES Postage per piece Certified Fee Return Receipt Fee $0.39 2.40 1.85 ARTICLE ADDRESS TO: BRIAN PROVOST 1101 Lindham Ct Apt 810 MECHANICSBURG PA 17055-4300 fax 908.575.0632 Total Postage & F_: $4,64 TTEMPT TO COLLECT A BT AINED WILL BE USED IS A DEBT COLLECTOR Postmark Here " MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 Thomas R. Dominczyk, Esq. Identification No. 85248 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 (215) 789-7151 FORD MOTOR CREDIT COMPANY Plaintiff Attorneys for Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS v. CASE NO. 06-1176 BRIAN PROVOST Defendant( s) IMPORTANT NOTICE TO: BRIAN PROVOST 1101 Lindham Ct Apt A810 MECHANICSBURG, PA 17055 DATE: April 3, 2006 YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO FILE AN ANSWER IN THIS CASE. UNLESS YOU TAKE ACTION WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAYBE ENTERED AGAINST YOU WITHOUT A HEARING, AND YOU MAY LOSE YOUR RIGHTS TO DEFEND AND THEREBY LOSE PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP: CUMBERLAND COUNTY BAR ASSOCIATION LAWYER REFERRAL SERVICE 2 Liberty Avenue, Carlisle, PA 17013 (717) 249-3166 MA ,P.C. BY THOMAS DO ClYK, ESQ Attorney for Plaintiff . " e MAURICE & NEEDLEMAN PC :. 250 STATE ROUTE 28 STE 203 ~ BRIDGEWATER, NJ 08807 ~ . ~ . DeHv.ry Add.... City 8tet. ZIP + 4 Cod. CERTIFIED MAIL 7J.SS S~711 ~1oOO i!~~' ],Q],~ RETURN RECEIPT REQUESTED .-.. AM' ~ Te: 1",111,.,111""1,1"1,1,.1"1,,11.11,,,11,,.,,,11I1,",1,,1." "BRIAN PROVOST 1101 Lindham Ct Apt 810 MECHANICSBURG PA 17055-4300 .-.- - . ," -..-,,-. in !Ii )i " t N (:) ~ ;-0 \\. "~ ~ () 0 "" 0 = C C:':'::l -n 0"' C> .-1 ~ :L:-n -- .l::. ~ n1F 4 -11\-n I -,-~o - u'i ;.~ J- ~ ~ W .. ~ ....c:: -~., "\ ::.~~ ~ ...-,-.. .:,:--) ~ ,':_;"'\'\ ~ ) C c.) >::..~i r -:t- -, (~' ~.o ..-c, t'.' .< ~. ~. MAURICE & NEEDLEMAN, P.c. BY: Joann Needleman, Esq. Identification No. 74276 Thomas R Dominczyk, Esq. Identification No. 85248 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 (215) 789-7154 Attorneys for Plaintiff FORD MOTOR CREDIT COMPANY Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS v. CASE NO. 06-1176 BRIAN PROVOST Defendant(s) () Notice is hereby given that a judgment in the above-captioned matter has been entered against you in the amount of $7296.76 on ...)t... . \ e... S :J.6Dl&. I () A copy of all documents filed with the Prothonotary in support of the witilln joogmool i, 00010"". tt~ rothon erk by: If you have any questions regarding this matter, please contact the filing party: Name: THOMAS DOMINCZYK, Esquire Address: Suite 935, One Penn Center at Suburban Station 1617 J.FK Boulevard Philadelphia, PA 19103 Telephone No.: 215-789-7154 (This Notice is given in accordance with Pa.RC.P. 9236)