HomeMy WebLinkAbout06-1863
GREGG L. MORRIS. ESQ
PATENAUDE & FELIX, A.P.C.
213 E. MAIN STREET
CARNEGIE, PA 15106
(412) 429-7675
FACSIMILE (412) 429-7679
P A ID#69006
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYL VANIA
FORD CREDIT tid/b/a FORD MOTOR
CREDIT COMPANY
Plaintiff,
)
)) NO. ()~ -} PL2 /7 [~n
) ,-lU'-' IE.;"-~
)
)
)
)
)
)
v.
CHESTER L BRENIZER,
Defendant(s).
COMPLAINT IN CIVIL ACTION
Filed on behalf of:
FORD CREDIT t/d/b/a FORD MOTOR
CREDIT COMPANY,
Plaintiff
Counsel of Record for This Party:
Gregg 1. Morris, Esquire
Pa l.D. #69006
Patenaude & Felix, A.P.C.
213 East Main Street
Carnegie, PA 15106
(412) 429-7675
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
FORD CREDIT tidlb/a FORD MOTOR
CREDIT COMPANY,
Plaintiff,
)
)
) NO.
)
)
)
)
)
)
)
v.
CHESTER L BRENIZER,
Defendant.
NOTICE TO DEFEND
YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in
the following pages, you must take action within TWENTY (20) DAYS after this Complaint and notice
are served, by entering a written appearance personally or by attorney, and filing in writing with the
court your defenses or objections to the claims set forth against you. You are warned that if you fail to
do so the case may proceed without you and a judgment may be entered against you by the court without
further notice for any money claimed in the Complaint or for any other claim or relief requested by
the Plaintiff. You may lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS
OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAYBE
ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 S. BEDFORD STREET
CARLISLE, PA 17013
717-249-3166
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
Defendant(s).
)
~ NO. ()~-lfL.J C();L~8L~
)
)
)
)
)
)
FORD CREDIT t/d/b/a FORD MOTOR
CREDIT COMPANY,
Plaintiff
v.
CHESTER L BRENIZER,
COMPLAINT IN CIVIL ACTION
AND NOW, comes Plaintiff, FORD CREDIT t/d/b/a FORD MOTOR CREDIT COMPANY,
by and through its attorney,GREGG 1. MORRIS, ESQUIRE and the law offices of PATENAUDE
& FELIX, A.P.C. and files the following Complaint in Civil Action, and in support thereof aver
as follows:
1. Plaintiff, FORD CREDIT t/d/b/a FORD MOTOR CREDIT COMPANY, is a
corporation with offices at 575 East Swedesford Road, Suite 100, Wayne, PA 19807.
2. Defendant is CHESTER L BRENIZER, an adult individual, who is believed to
currently reside at 114 N MARKET ST ,MECHANICSBURG, PA 17055.
3. On or about December 18, 2003, the aforesaid Defendant(s) entered into a written
Automobile Retail Installment Contract (hereinafter "Contract") to purchase a "Vehicle" from a
dealer (Seller) as more fully set forth in said Contract. A true and correct copy of the Contract is
attached hereto, marked as Plaintiffs Exhibit "A" and incorporated by reference.
4. "Seller" thereafter assigned the Contract to Plaintiff, FORD CREDIT.
5. Pursuant to the terms of the Contract, Defendant(s) were to make 72 payments of
$316.30 commencing on January 17, 2004.
.
6. The terms of the Contract provide for termination upon satisfaction by Defendant(s) of
all obligations provided thereunder.
7. Plaintiff avers that Defendant(s) defaulted under the Contract by failing to make
payments to Plaintiff as promised.
8. Due to Defendant's default under the Contract, Plaintiff exercised its rights to terminate
the Contract.
9. After calculating early termination charges due to Plaintiff, Plaintiff avers that a
deficiency balance of$7,413.23 is due from Defendant(s) as of April 04, 2005.
10. Plaintiff avers that such attorney's fees will amount to $2,200.00.
II. Despite repeated request, Defendant(s) have willfully failed and lor refused to pay the
aforesaid sum due.
WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant(s), in the
amount of$7,413.23, plus legal interest from the date of breach, reasonable attorney's fees in the
amount of $2,200.00 with continuing interest at the legal rate thereon from the date of Judgment
plus costs. The damages requested are less than the maximum amount for compulsory arbitration as
set by the Court.
Respectfully Submitted:
PENNsn:VANIA SIMPLE INTEREST'VEHIClE RETAil INSTALMENT CONTRACT
B~r [and Go-Buyer) Nama aM Address (Including CQunry and Zip Code) CREDITOR (Seller Nalllflllnd Addre5ll\
CHESTER L. BRENIZER FAMILY FORD-MERCURY, NC.
1075 CARLlSLE PIKE LOT 47 170 YORK RD.
CARLISLE, PA 17013 CARLISLEl PA
.
12/1B103
DATE
lJEC 1 5 460;,
,7.,3 J.)A;1?,cUQ 51
You,!tIII Bllver (and Co-8uy....II Iny). ....y buy '1M nlllcl' delCrlbltd lMIow for.,..h or em crvdll The 'Cllh Price" ehDwn to.lOW 11th, cnI1 prIetO 0' Ihl vehicle. TIM
.TobISllJeprlce....ownbeklwl.ltlecl"llCllpdce.BylJlgnlngthl.COft1noClyoUdtoD..tobuyonomKlltUndilll'th.-slrwemenlson IlIllfnlnlendbaekollhllconlnlct.
New/Used Year and Make .0." GVW~Truck VatJjcle lclenlllicalicn Numbllr UseForWh,,;hPurcoosed
12fJ03 FORD FOCUS I 11FAFP34303W319272 I [)(perscnal o AgrlClJftuml
NEW o eormlerdal
INSURANCE
Trade-in 19B3 DODGE 1500 VRN . 100.00 . NI"
YaarBndMtlke GI'QfiAlI~ AmounlOwtng YOU MAY OBTAIN VEHICLE INSURANCE
ITEMlZAnON OF AMOUNT ANANCED FROM A PERSON OF YOUR CHOICE.
C..h PrIce.,... . 16410.00 (1) YOU ARE NOT REQUIRED TO OBTAIN
1. ............................... ................................................... CREDIT UFE, CREDIT DISABILITY AND
2. Down Payment OTHER OPTIONAL INSURANCE. THIS
Third Party Rebete Assigned to Credbor ............................. . 3000.00 CONTRACT WILL NOT INCL.UOE THEIl
Cash Down PII)'men1.......................... ...... ....- ......... . N/O UNLESS YOU SIGN AND AGREE TO PAY
Trade-In83 DODGE $ 100.0t1J . .............N/A . 109.00 THE PREMIUM.
v_....._ -- -,- THIS CONTRACT DOES NOT INCLUDE
Total Duwn Payment ................... ....-............ .................. .......... . 3100.00 (2) LIABIL.1TY INSURANCE COVERAGE FOR
3. Unpaid Balance of Cash Price (1 minus 2) .................................. . 1331121.00 (3) BODILY INJURY AND PROPERTY
4. Amounts paid on your behall (Seller may be reta+nlng a portlun of these .maunta) DAMAGE CAUSED TO OTHERS.
TO Insurance Companlu for
Cfedll Ufe Insurence (for term of conlracl) ........................ . i~~ 'Ig
Credit Dlsabtllty Insurance (tor term of contracl).............. . IIJ!'. '2
[Tarm -.Months (Es~male)1 $ N'A ''"" no<
To Public Offlclala (I) lor lioense (!I: 36..00 ).tllle(!I: 22 50 ). & Deredit Life
reglstralion($~flfees$~; Insurer
(ii) for liling fees $ 5.0" $ k.4.A AQ rI-ll"O::TJ:"R I APJ:"~T7r:
(iii) for taxes (nQt In Cash Price) $ 803.60 . B67.10 ~mium . ,~SUred(S)
TO 10' . N/" ~ ,:-Z; :/ ._~..
To 10' . N/R Signature ...
ToFAMILY FORD-MERC~. NOTARY & DOC FEE . 52.00
To '0' . N/A Credit
Total.............. . 2618.01 (4) OOisability , >eo '"
.............................. ....-......................... ............ ...... Insurer
5. Amount Flmmeed (3 plus 4) ................... ...................... ................. $ 15928.01 (S)
$ I~o;;la 4~ 1"LIl:"~Tl:"g I Rgl:"~T71:'
FEDERAL TRUTH-IN-LENDING DISCLOSURES ~mium ~nsured.
FINANCE ,,> ~.( '"
ANNUAL Amount Total of Total Sale Signature ^~
PERCENTAGE CHARGE Anancec:l Payments Price
RATE TI10 dolla.amount Theamolll1to! Theamounl ThelOtllloost
Th8costofy~r !he cred~w;M credilpl'OYidedlO you win have of your purchase on
...,., yoll or on your paid when you oed' 0
cuodllas II yearly f8IfI """" t\pveOlIIdeall Indudlngyour Other Optionsl Insurance -~
scheduled downpayment T'''''
payments .. 3101i!1.~ $ N'.R
'" . 15928 I Insurer Premium
~mberof Amounl of EKh Whln p.,menll ~ nature
Payment Schedule q,raymlnb '- 'Ndue Credit ur. end Crwdlt Dlaalllllty In8urane.,,.
Vour payment schedule 71 $ 316.30 (monlhlystarting) lor the term of the contract. Tho amoun! end
~1I8. are ehown In, nOllce or ~rwmenl
wilibe: ltinal $ 315.311 JAU 17 0It glvenloyoutoday,
0
You mUSllnsure tile vehlcle. lIa charge Is
:=S:low~~~or t'h'.:1 ~ ~':n~
~~Y8"lf:~ ~.tl':e ~Oh~~ n~~:~u:,~
the Ilmlla of the policy.
0 Comprehensiw D$~08ductjble
Prepayment: II you pay off your detlt earty, you will nOI hIIve 10 pay a penalty. CoIlisioo
L.lIIe Payment: You must pey a IllIe charge on the portion 01 each payment received more
then 10 day~ late. The charge is 2 percent 01 the late amount or $50.00 'Afllch8'lllr Is lel>&. 0 Fire. TheIt.Combined Addttionlll CO\f8rage
Security Interest: You are giving a IieCUritylntarest in Ihe vehlole being purchased. 0 Towing and labor
Contract: Please see this contract for additional inlOfmation on security Interest, nonpaymenl 0 Tom Monlhs(eSllmatll)
delault.the nllhl 10 reql/lre repaymenl of your debt in lull beIore lhll llCh6Cluleddate. and Premium $
prepayment penalty.
Ifyoudonolmlllllyoureontr&C!obligll~OJlS,youmBYloseihllVllhlcllllhllIYOUllllllil1ancl~underthlsconIrac:t.
as wall as both parts and goods pili on lha vahk:le and money or goods teoelYod lor tha vahlcla. ODebl Cf:~11atlon WII,"r AGl>>endum (Optional}
NON-MODIFICAnON DISCLOSURE 11 Ihlsbol<lsc:heelled1\luhavapurohesedBdlI!ll
Any chlld~:tract:~:?inWritinlla~ signecl by you IInd theCredit(lr cancellationwalvar, Purohaee 01 U'Iis covarll\19 Is
opIionaJ ancl is notlequ,redloobtalncredit, Thelarms
andcorKilionsofltlacleblcancelalloowai'lerllt&eet
BUyeR, co.auveR: ){ lonll/nlhealtachedAdclenclumwhiohisincol;lDf'llIII(l
inlOlhlsClOl'lllaCt.Tl1aprlcaforlhade!llcancellatiOll
SIGNS SIGNS Wll<'f8rls setlor1tlOl'lttriSOOnlr'l!Cllnlhe lterrlza1ion
YOU ACKNOWLEDGE THAT YOU HAVE READ AND AGREE TO'BE BOUND 01 Amount FI<W1oed urdar Socllon..
BY THE ARBITRATION PROVISION ON THE REVERSE SIDE OF THIS
CONTRACT.
NOTICE TO BUYER
Do not sign this contract In blank. Buyar
You are entitled to an exact copy of the contract you sign.
Keep It to protect your legal rights.
Buyer (and Co-Buyer) acknowledge that (I) before signing this
contract, Buyer (and Co-Buyer) received and reviewed a true Program No.
and comple1efy filled In copy of this contract and (Ii) at the QUESTIONS?
time of slQnlnQ this contract, Buyer (and Co-Buyer) receIVed
a true and completely filled In copy of this contract. ~
J'/-"- R/? ' y .,
-
B , SIGNS EASIGNS
By slllnlnll billow, theSllll8racwpt&lhls co~erA"lllnn.. named In IInpllnlle PLEASE CALL US AT 1-800-727-7000
aulllnmen~chlld to thl, CQntrac:t, th, SIllier II to.~~~al ere '"
Visit us at www.fordcredlt.com
_ Y1J/LY R1AJ:J/...-t-C8y TlIIa ~-" II~. ""'''
Fe'7I37-Sl.....""I-....._.....l>OoM<I.1
'^
SEE BACK FOA ADDmONAL AGREEMENTS
ORIGINAL
cc
cc
F-)\H\l?~l\ "A"
ADDITIONAL AGREEMENTS
~\Hi ~ \fl; \"1'
A. 'PaY'nents and Summary Nolica: YOl! musl mako all
paymenl" "1 U.S.lund"whon Inoyaro dulO. You may prepay your
debl al any lime wilnout penally. This is a Gimple imerostconlracl.,
The aCluai finance chal9.e you agl8e 10 pay wiO!~epllruKr:fn ~olir,H:l
rayrHel1! pallems. The aolu8.1 IInanc"~.:ctmg'e\!mayJBX.cie~d I~e II ~
discloSBO Finance Chilrge if you ma~er~youi pilyinei1i!;l4iiliia~I'Hj:J
Ihe scheouled dal8s orin less than 1M scheduled arnount. The
Credilor will apply your paymerl1s !irsllO lhe eamed and unpaid
part 01 the Finance ChClrye Wl(1lhllnto Iho Amount Financed. The
Cradilor earn~ Ih" Final1c,c Charge by applying the Annual
Percenta(]8 Hale 10 the llnpaid Amounl Fil1anced lor the aClual
time the unpaid Amount Fmanced is outstendli}\l)f.lhe velll~IB,is
repossessed, yoll Will ~ot have a light 'Io','elnslat~.'ti\o -conl/acl
u~less!he CradilOr agriles A \~!
B. Security Interest: YOll givelhe Creditor a securily interesl ill.
1.Thevehicleal1dallpartsorothergoodsputoI11havehicle;
2. All nlOnej' or goods received lor tho vehicle; and I, iJ ~ n" 1.1
3 All insurance premiums and service contlaclslinancedIDryDu
This secures paymenl 01 all amOLlnls you owo In lhis coriiractll"cf
alsosecurcsyouralheregreemenlSinlhisconlract. iI\h
1J[J.I:,J(l!
C_ Use of Vehicle - WARRANTIES: You must lake cale of
1Ile vellicle ilnd obeylllllaws in using II. You may nOj,sell,l!rJ~llt
the vllhlcle. and you mUSI keep rtlree lromlhe clalms"oILi:lltiers
You Will not use 0' permll1he use 01 the vehicle o~!siae--~i'tha
Uniled Slates, except lor up to 3G days in Canada or Mexico,
wilhOut lhe prior written CDnSel1t 01 the Creditor, II the vehIcle Is
of e type normally used lor pen;onaluse and the Crec~hl?rl or
the vehicle's milnul~clurer, extend5 II written W8rrtt,",o/. or
service conlractcoverlng the vehicle wllhln90 days frDrJ}he
dale 01 this contmct you gel implied wlIrranltell- of
merchantability andlll'rJ~ss lor a particular purpose covering
the vehiCle. Otherwise, you understand 8nda9reethBllhere
erenoeuchimplJedw5rranl~,
D. Insurance: You must ins~re yoursell Bnd the Cmd;tor'B.~i1ir,S'IJ 1
loss 01 damage to lhe vehicle, The Crodllor mUSI appmve,.the-
type anoamounlolinsural1ce. Illhe Credllorobtail1s a ra.iu[1don
ins'Jrance or ~elVice contraGts, the Creditor will Sllbt~F.E16
relurld from wnat you owe, Whlllher or not the vehlclfls
Inaured, you must P!lY, for !t IJ it Is 10sl, domage'd: or
deslroyed. r. ,-, IJ.' ,~uol
11\' ';010:;
If a charge 10' veniclB insJral'lce is shown 011 the front, the
Credilorwilllry 10 buy the coverages cheCked lorlhe lermshown.
The CraditOl is nm liable, though, if he cal1not do so. If thesa
coverages cost more than Ihe emounlshownjDr insural1ce,lhe
Creditor mal' buy them lor a shorter 1erm or he may give you
credi: 10, lhe amoum shown. II he cannot buy any insurance, he
will give you credit IDr the amouni shown. The credit will 011 made
toAIi6.Jasl paymenls due. ,,\Vi
1E.;"late Charge: You will have lOt R~y iI lale c,~~,rg~90.r} tha
portion 01 each paymenl made mdte Inan ten days: \a ~.~ T~e
charge is shown Dn the Iron!. Acceptanoa 01 a lale pa'r'lndh\ olles O~
not excuse your delault or mean that YO<l can keep makil1g
paymei"lts afterlh8y are due. The Creditor may take the slepsset
lorthinlhisconlract,i!lnerelsanydelauil.
F. Oelllull: You will be in delaull iI
You DO not make a pilymel1twllel1 il Is due; or
Y'Ol1 gilve lalse or misieadlrlg i"IO!'fl]€'~P!l:<i'!JjYP~~ r::r!"~~t ;0(.
appllcallOn relating tD this COl1l1aCi: 01 iju H:Ui-J:J ~(8)
Your vehicle is seil6([1:i~ aA!lJlcici!l.il;!lit(f,i'or fe,cler;;:ll;t1::i3,1<J
a,Jthonll' anr:lis nol promptly and unconditionally
retumed to you; or
~ YOu file u bal\~ruptc\, petiholl or one is hiM a1jnil1sl you; 01
5 You do nOI keep lInyotiler promise in Ihis conlracl
II you als m dofaull, Ihe CredilOt may require yP/-!(N pay al onCe
jlleunpall1AmounIE\9Jlf~.d, lllr: earneiJ end \J':lp'Eudpartof\?~1J
Finance Charge al1d ali other amounts duc uniJer 11115 cOnlrac[
nol-!fj(m1!.V repossess (take hack) lhe VBhlcf~I;J\9~' t:t'll1(ay also
lake goods louna lfl or on the vehlcie whell repussessed and
hotd them for YOll
IlthevenicloislakanbDce., hf)willsendyouanolice.Thenolice
will say IIlal you may redeem (buy back: lhevehicle, IIwlli also
snow the amounl needed 10 redeem. You may redeem lhe
vohicle up to Ihe lime the Credilor sells II or agrees to sell it. If
you do not redeom thi; vehicls, it will be sold
The.Cteditor will uselltle (money from IhMslllo:.las.$ lhe allowed
expenses. to pel' the amoul1l slill owed on Ihis conlract
Expenses paid asa direCl resull 01 having to retake Ihevehicle,
hOld if lor sale, and sell it are, as permitted by law, allowed
expel"lses. Lawyers' lees and legal COSIS permitled bylaw are
allowed, 100. The Croditor will pay you any money left la
surplus). YDU will pay any money 51ill owil1g alter lhosaloto the
Creditor. II you do 1101 pay this amounl when the Creditor aSk5,
the Creditor may charge you Interest at Ine hlghssl iawlul rate
unlil you pay
A\lr, ;I.V:
OCG~~Consumsr Reports: You authorize Ford Molor Cledil Com-
pany to oblain consunler credil reports.,from consumel reporting
agencies (credil bureaus) IprJ1l.!1Y reason and at allY time in con-
nf.'chon wilhd~i~ EP.2tIacl
H. Goneral: TorJct\hia\!i FbJdJMolor Credil Compar\)i'ilboul Ihis
aCCOUl1t, cali l-aOO.727-7000.JAlso, you may make a[Jdless and
olner selected ch<inges'at~IH\Nw.lordCredILcom)")rte:J.Wf"-l:l1 Penn-
sylvania appiies t.o this con.l~a.y!.lI tho law does nOI all.~~lfll ollha
agreements In lhls contract. Ine olles that ere nol aliowtld will be
void. The rest of fhis colltracl willslill be good
FTC NOTICES
NOTICE - ANY HOWER OF THIS CONSUMER CREDIT
CONTRACT IS SUBJECT TO ALL CLAIMS AND
DEFENSES WHICH THE DEBTOR COULD ASSERT ,
AGAINST THE SELLER OF GOODS OR SERVICES ,
OBTAINED PURSUANT HERETO OR WITH THE
PROCEEDS HEREOF. RECOVERY HEREUNDER BV
THE DEBTOR SHALl NOT EXCEED AMOUNTS PAlO BY
~~~.DEB.Tp~_HER["EUND.~~, ~" .,
U51ld Motor Vehicle Buyers Guide_ II you are buying a used
vehicle wilh this contract, federal regulations may require a
speCial Buyers Guida to be displayed .on the window ot the
vehiCle, T.H~ J~FORMATIO~c YOU SEE ON THE
. WINDOW "FOI=jM FOR THIS VEHICLE IS PART OF
THIS CONTR'ACT. INFORMATION ON THE WINDOW
FORM OVERRIDES ANY CONTRARY PROVISIONS
IN THE CONTRACT OF SALE_
1'0111\
GUARANTY
To cause Ihe Sellllrloselllhllvehicle described 011 lhelronl of Ihis contract 10 Ihe Ouyer, 011 credit. each person who signsbetow as
a "Guara'ntor' guarantees the payment of this contracl. This maans thai if the Buyer tails 10 pay any money thai is owad on tI1is
conllac:. each one who signs as a guarantor will pay It when asked, Each person who signs below agrelilS Ihat he will be liatJle lor
Ihe wnole am::Junt owed even il ooa or more other persons also signs this Guaranty, He also agrees 10 be liable avan illhe Credilor
does one 01 mOre 01 the, 1011 owing: (a) gives the Buyar more lime 10 pay one or more paymenls. or (bl gives II release in full or in part
10 any 01 the otllor a-Va'r'anlors, or(cl raleases anysecurily. Each GuaranloralSD slaloSlhsl hehas recaived a complelad copy of !hIs
contraCl and thl~.Guaranly at tho lime 01 signing.
Guarantor": Address
L
Guaranlor
Address
READ THIS ARBITRATION PROVISION CAREFULLY AND fN ITS ENTIRETY
ARBITRATION
kbilration is a method 01 (eSOlvin~ any claim, dispute, or cOl1lroversy (collec~lvaly. a 'Claim')" without Willg a lawsuit in CDurl. Either you
01 Credllor (.us' or .Wf/) {each, a 'Party") may chooso al anylrme. Including a(tor a lawsur.: IS fried, 10 have any Claim relalad 10 thiS con-
IraCI deCided by arllllrallon, Suetl Claims Include but are not limited 10 the tollowlng: 1) Claims In contracl, tort, regulatory or olnerwlsll: 2)
~~~7:,~::t~~~~t~~~UI~~;~;~;:,tl~~~i~~~~'lJ~~i~:I;i~~ ~; ~7i~ia~~~s:i ~~aia':lI~arib~:~~ ~~Ia~r ~~~~~~ti~6 ?~a~~~r baep~iic()a~i~110~0~~~ed~: th~~
contract, or any resulling lransaction,or relationship, including Ihat with the dealer, or any such relationship willllhird parties who (Jo not
sign lhls contracl '
RIGHTS YOU AND WE AGREE TO GIVE UP
II mthcr you or we choose 10 <JIDltraJe a Claim, thell you and we IIgree to waive Iile lollowing rights
RIGHT TO A TRIAL, WHETHER BY A JUDGE OR JURY
RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR A CLASS MEMBER IN ANY CLASS CLAIM YOU MAY HAVE
AGAINST US WHETHER IN COURT DR IN ARB1TRATION
BROAD RIGHTS TO DISCOVERY AS ARE AVAILABLE IN A LAWSUIT
RIGHT TO APPEAL THE DECISION OF AN ARBITRATOR
OTHER RIGHTS THAT ARE AVAILABLE IN A LAWSUIT
=~,~r~~I:n~r~~~o~~~~o ~~~ ~1:~m~1l1\ l~fg~l~gr;i:: ~~~t~~~c/~u c~~~t~J ~1~~~7~ine~~~d~c:~h: ~~ec~~li~~~~~{~ti~. fh~I~~~c~~~j~~lf~~~
oi repossession or through a court.ol law; 3) Right to lake le.gal aclion to entorce lhe arblll~tors. oec:sioll. and 41 Right \0 rroquost that a
court 01 law review wnetner Ihe arbitrator exceoded Its aUlhOrlty.
;~l~:~~e~~~'m~~~ta~~~~~~:iOallny associa!ion ~ below. a,nd the Olt"!.er Paltj'._I':..$la~arbltratibn ~e appllc~S~/lJl~3.rl~tJ"o l~U~~:i) may be
American Arbitration Association ("A.M.'j:at t.800.778.7879, Dr ~ad(~ojg;
. J,A.M,S,IEndlspute. a: H:lOQ-448-1GSO, or W'r\lw.lamsadr.com:
. Nallol1ai Arbitration Forum, at 1.BOO-474.2371, or www.arD-lorum.com I
If IIlers IS n conlljCI uelwEen the Rules arid Ihjs ccnlracl. Ihrs contract s,hall govem. This contra~t i.s ~UlrjBCt to Ihe Fe::Jern: Ar~ilration ACI
1m use, ~ 1 el Sti,l) anlf Ihe Federal Rilles of EVldencb. The &rbnrallon deCISion shall be 'n .....rll<l19 .....'11' a supporting ofJlnlon. We wll:
flay you' fotal reasonable arbitration lees,and expenses (nollncludlngatlOmey lees. except whem appllcabte law othelVl;se proVides) Inl
p.xces, 01 $1;>5. We 1'1,11 pay n,a wllDle IJI",y tee It WB dp.mand arbilralion 11.'"51. Any portion ollnl-, ;"\J1Ir~tlon claU5e thai IS unenlorce"ble I
, ellall b6 sevsr"d, ~nd 1.'1" rOIT,alnlllg proV'SI~)rlS shall be Bnlorcsd. .._.-------.J
FCI70:l1'O'N"3 1""'''",_",,,,,,,,,,''''''""''1
. .
.
VERIFICATION
The undersigned is an authorized agent of the Plaintiff and verifies that the facts and
statements made herein are true and correct based upon my knowledge, information and
belief, and are based upon and have been obtained from a review of the facts and
information contained in the business records of the Plaintiff supplied to us by Plaintiff.
Counsel has signed the verification as a matter of time and convenience. The verification
of the party will be provided if requested. The statements are made subject to the
penalties of 18 Pa.C.S. Section 4904, relating to unsworn
Date: March 27, 2006
-,'~
Gregg . Morri Esquire
Patenaude & Felix, A.P.C.
213 E. Main Street
Carnegie, P A 15106
(412) 429-7675
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GREGG 1. MORRIS, ESQ.
PATENAUDE & FELIX, A.P.C.
213 E. MAIN STREET
CARNEGIE, PA 15106
(412) 429-7675
FACSIMILE (412) 429-7679
P A lD#69006
IN THE COURT OF COMMON PLEAS OF CUMBERL ND COUNTY,
PENNSYLVANIA
FORD CREDIT tJdlbla FORD MOTOR
CREDIT COMPANY
Plaintiff,
)
)
) NO. 06-186 CIVIL TERM
)
)
)
)
)
)
)
v.
CHESTER L BRENIZER,
Defendant( s).
PRAECI E FOR
DEFAULT GMENT
Filed on behal of:
FORD CRED T t/d/b/a FORD MOTOR
CREDIT CO PANY,
Plaintiff
Counsel of Re ord for This Party:
Gregg 1. Mo . s, Esquire
Pa J.D. #6900
Patenaude & elix, A.P.C.
213 East Mai Street
Carnegie, P A 5106
(412) 429-767
IN THE COURT OF COMMON PLEAS OF CUMBER NO COUNTY,
PENNSYLVANIA
FORD CREDIT tidlb/a FORD MOTOR
CREDIT COMPANY,
Plaintiff
)
)
) NO.06-186 CIVIL TERM
)
)
)
)
)
)
)
v.
CHESTER L BRENIZER,
Oefendant( s)
PLAINTIFF'S PRAECIPE FOR DEFAULT JU GMENT
TO: PROTHONOTARY
Please enter a judgment against the Defendant(s), above amed, for failure to file an Answer
to Plaintiffs complaint.
Amount claimed in Complaint
Interest from April 04, 2005
Attorney's fees
TOTAL
$7,413.23
$1,049.97
$2 200.00
$10,663.20
With continuing interest on the principal amount of $1 0,663 20, with interest at the legal rate,
plus costs of suit.
I hereby certifY that a written notice of intention to file t is praecipe was mailed to the
Oefendant(s) and Oefendant(s) counsel (if known), after the defa t had occured and at least ten (10)
days prior to the date of the filing of this praecipe. A copy of the N tice is attached.
R IS, E
atenaud & Felix, A.P.C.
213 E. M in Street
Camegie PA 15106
(412) 42 -7675
IN THE COURT OF COMMON PLEAS OF CUMBER ND COUNTY,
PENNSYLVANIA
FORD CREDIT tJdIb/a FORD MOTOR
CREDIT COMPANY,
Plaintiff
)
)
) NO.06-186 CIVIL TERM
)
)
)
)
)
)
)
v.
CHESTER L BRENIZER,
Defendant( s)
PLAINTIFF'S AFFIDAVIT OF NON-MILITARY SERVIC AND MAILING OF
NOTICE PURSUANT TO PA.R.C.P. 103
COMMONWEALTH OF PENNSYLVANIA )
)
COUNTY OF ALLEGHENY )
Before me, the undersigned authority, a Notary Public in d for said County and State,
Personally appeared Gregg L. Morris, Attorney for and authorized epresentative of Plaintiff, who being
duly sworn according to law, deposes and states that the Defendant s), CHESTER L BRENIZER, is not
in the military service of the United States of America to the best 0 his knowledge, information and
belief and certifies that Notice of Intent to take Default Judgment as mailed in accordance with
Pa.R.C.P. 237.1, as evidenced by the attached copy.
G G E
Patenaud & Felix, A.P.C.
213 E. M in Street
Carnegie P A 15106
(412)42 -7675
N01AlllAL SEAL
TERESA LLESKO
Notary Public
CARNEGIE BOROUGH
ALLEGHENY COUNTY
My Commission Expires Feb 11. 2008
GREGG 1. MORRIS, ESQ.
PATENAUDE & FELIX, A.P .C.
213 E. MAIN STREET
CARNEGIE, PA 15106
(412) 429-7675
FACSIMILE (412) 429-7679
P A ID#69006
IN THE COURT OF COMMON PLEAS OF CUMBERL ND COUNTY,
PENNSYLVANIA
FORD CREDIT tJd/b/a FORD MOTOR
CREDIT COMPANY
Plaintiff,
)
)
) NO. 06-186 CIVIL TERM
)
)
)
)
)
)
)
v.
CHESTER L BRENIZER,
Defendant(s).
IMPORTAN NOTICE
Filed on behal of:
FORD CRED T tJd/b/a FORD MOTOR
CREDIT CO PANY,
Plaintiff
Counsel of Re ord for This Party:
Gregg 1. Mo is, Esquire
Pa l.D. #6900
Patenaude & elix, A.P.C.
213 East Mai Street
Carnegie, PA 5106
(412) 429-767
IN THE COURT OF COMMON PLEAS OF CUMBERL ND COUNTY,
PENNSYLVANIA
FORD CREDIT t/d!b/a FORD MOTOR
CREDIT COMPANY,
Plaintiff
)
)
) NO.06-186 CIVIL TERM
)
)
)
)
)
)
)
v.
CHESTER L BRENIZER,
Defendant( s)
To: CHESTER L BRENIZER
114 N MARKET ST
MECHANICSBURG, PA 17055
Date of Notice: May 12,2006
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAI ED TO ENTER A WRITIEN
APPEARANCE PEROSONALL Y OR BY ATIORNEY AND FILE WRITING WITH THE COURT
YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU
ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A GMENT MAYBE ENTERED
AGAINST YOU WITHOUT A HEARING AND YOU MAY LOS YOUR PROPERTY OR OTHER
IMPORTANT RIGHTS.
YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT 0 CEo IF YOU DO NOT HAVE A
LAWYER, GO TO OR TELEPHONE THE OFFICE SET FOR BELOW. THIS OFFICE CAN
PROVIDE YOU WITH INFORMATION ABOUT HIRING A LA WYE .
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THI OFFICE MAYBE ABLE TO
PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT A Y OFFER LEGAL SERVICES
TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIA T ON
32 S. BEDFORD STREET
CARLISLE, PA 17013
717-249-3166
By:
I, GREGG 1. MORRIS, attorney for Plaintiff, FORD CREDI Vd/b/a FORD
MOTOR CREDIT COMPANY, herby certify that a true and corre t copy of the
foregoing document was served this day by US First Class Mail, p stage prepaid upon
the following:
CHESTER L BRENIZER
114 N MARKET ST
MECHANICSBURG, PA 7055
Date: May 12, 2006
GREGG 1. MORRIS, ESQ.
PATENAUDE & FELIX, A.P.C.
213 E. MAIN STREET
CARNEGIE, PA 15106
(412) 429-7675
FACSIMILE (412) 429-7679
P A ID#69006
IN THE COURT OF COMMON PLEAS OF CUMBERL ND COUNTY,
PENNSYLVANIA
FORD CREDIT tJd/b/a FORD MOTOR
CREDIT COMPANY
Plaintiff,
)
)
) NO. 06-186 CIVIL TERM
)
)
)
)
)
)
)
v.
CHESTER L BRENIZER,
Defendant(s).
NOTICE F ORDER,
DECREE 0 JUDGMENT
Filed on behal of:
FORD CRED T t/d/b/a FORD MOTOR
CREDIT CO P ANY,
Plaintiff
Counsel of Re ord for This Party:
Gregg 1. Mo . s, Esquire
Pa I.D. #6900
Patenaude & elix, A.P.C.
213 East Mai Street
Carnegie, P A 5106
(412) 429-76 5
L
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IN THE COURT OF COMMON PLEAS OF CUMBERL ND COUNTY,
PENNSYL VANIA
FORD CREDIT tJd/b/a FORD MOTOR
CREDIT COMPANY,
Plaintiff
)
)
) NO.06-186 CIVIL TERM
)
)
)
)
)
)
)
v.
CHESTER L BRENIZER,
Defendant(s)
NOTICE OF ORDE
DECREE OR JUDG ENT
TO: ( ) Plaintiff ( X ) Defendant ( ) Garnishee ( ) Additional efendant
You are hereby notified that the following Order, Decree, or udgment has been entered
against you on rrt...:J.'i ~ " d..nOf.a
( ) Decree Nisi in Equity
( ) Final Decree in Equity
( X ) Judgment of ( ) Confession
( X) Default
( ) Non-Pros
( ) Verdict () Court Order
( ) Non-suit
( ) Arbitration Aw d
( X ) Judgment in the amount of $1 0,663 .20, plus cost.
( ) District Justice Transcript of Judgment in the amount 0 $
plus costs.
( ) Ifnot satisfied within sixty (60) days, your motor vehic e operator's license wil be
suspended by the Department of Transportation.
~l'
By
Deputy
If you have questions concerning the above, please contact:
Name of Attorney: GREGG 1. MORRIS, ESQUIRE
213 E. Main Street
Carnegie, PA 15106
(412) 429-7675
SHERIFF'S RETURN - REGULAR
CASE NO: 2006-01863 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
FORD CREDIT TDBA FORD MOTOR CR
VS
BRENIZER CHESTER L
JASON VIORAL
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
was served upon
BRENIZER CHESTER L
the
DEFENDANT
, at 1600:00 HOURS, on the 18th day of April
, 2006
at 200 N FREDERICK STREET
MECHANICSBURG, PA 17055
by handing to
CHESTER BRENIZER
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
17.60
.00
10.00
.00
45.60
q..,
r-~~~<~
R. Thomas Kline
04/19/2006
PATENAUDE & FELIX
~ Jo1J(,
A.D.
Sheriff
Sworn and Subscribed to before By:
me this I'll/!?
day of
Prothonotary