HomeMy WebLinkAbout06-4458
.
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,
PENNSYLVANIA
FORD CREDIT t/d/b/a FORD MOTOR
CREDIT COMPANY
Plaintiff,
)
)
) NO. 0(, -J.jI.Jf/
)
)
)
)
)
)
)
ei(J;L'-r~
v.
CHRISTOPHE CUSSON AND
BOBBI J VIA,
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 L. Morris, Esquire
Pa 1.0. #69006
Patenaude & Felix, A.P.C.
213 East Main Street
Carnegie, P A 15106
(412) 429-7675
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYL VANIA
FORD CREDIT tJd/b/a FORD MOTOR
CREDIT COMPANY,
Plaintiff,
)
)
) NO,
)
)
)
)
)
)
)
v.
CHRISTOPHE CUSSON AND
BOBBI J VIA,
Defendant( s).
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 TIDS 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 OFFlCE MAYBE
ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELlGffiLE 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,
PENNSYL VANIA
FORD CREDIT tJd/b/a FORD MOTOR
CREDIT COMPANY,
Plaintiff
)
~ NO, 01.. - 4'1!;p
)
)
)
)
)
)
)
et(j~L/~
v.
CHRISTOPHE CUSSON AND BOBBI J
VIA,
Defendant(s).
COMPLAINT IN CIVIL ACTION
AND NOW, comes Plaintiff, FORD CREDIT tJd/b/a FORD MOTOR CREDIT COMPANY,
by and through its attorney,GREGG L. MORRlS, 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:
I. 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 CHRISTOPHE CUSSON, an adult individual, who is believed to currently
reside at 75 OLIVER RD, ENOLA, PA 17025,
3. Defendant is BOBBI J VIA, an adult individual, who is believed to currently reside at
75 OLIVER RD , ENOLA, PA 17025,
4. On or about December 31,2003, 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 Plaintiff's Exhibit" I" and incorporated by reference,
5. "Seller" thereafter assigned the Contract to Plaintiff, FORD CREDIT.
6. Pursuant to the tenns ofthe Contract, Defendant(s) were to make 60 payments of
$379.73 commencing on January 30, 2004.
7, The tenns of the Contract provide for tennination upon satisfaction by Defendant(s) of
all obligations provided thereunder.
8. Plaintiff avers that Defendant(s) defaulted under the Contract by failing to make
payments to Plaintiff as promised.
9. Due to Defendant's default under the Contract, Plaintiff exercised its rights to tenninate
the Contract.
10, After calculating early tennination charges due to Plaintiff, Plaintiff avers that a
deficiency balance of $7,730,89 is due from Defendant(s) as of November 18, 2005.
11. Plaintiff avers that such attorney's fees will amount to $1,900.00,
12. 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 $7,730.89, plus legal interest from the date of breach, reasonable attorney's fees in the
amount of $1 ,900,00 with continuing interest at the contract 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:
GG L. MORRIS, ESQUIRE
213 E, Main Street
Carnegie, P A 15106
(412) 429-7675
'I
PENNSYLVANIA SIMPLE INTERESt VEHICLE RETAIL INSTALNENT CONTRACT
9uv-~FtflMt~ ~ llndudlng Coul'lly and ~ Code) CRlDrrGR (8elIaf......and AcId...)
loI8TCJO-VI~ JA nCCAFFERTY FORO
75 OLlVrR RO N 02 ZOlU 6320 CARLISLE PIKE
EMOLA CUnBERLAMO PA 17025 nECHANICSBURG PA 17050
DATI!
UAd
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ylMl,......,..18lldCOoll...,.,"MYI,,..,.,.....................lw...tlorOllCl'dt. n.."c.tt~.,....".,...,.,....tlJllf'*crfllMl...... The
'TaDI.... ...... tII'lown...... Ie 1M ondl"'" .,. 'ltIlhIt .,..~ you ......1Iur on cNdIt uncr. .......-- ....lMfrDnt IIId __ oIlhM--.at.
~.. 118l-.'" .... 0 m.. V.hltIeldmlIllcalanNurnbe. U_Forwtich~
FOCUS I I 3FAFP37303R1825S7 I IlKp_ 0_'
0"""",...
1989 BUrCK 500.00 IIA INSURANCE
TradII.", . .
y--.... ..... ...... """.. .... YOU MAY OBTAIN VEHICLE INSURANCE
ITEMlZAl10N OF AMOUNT FINANCED FROM A PEASO~ OF YOUR CHOICE.
1. Caah PrIce "......_._.~..._......_.~_._._,........_........,.............._................ . 17464.00 1') YOU ARE NOT REQUIRED TO OBTAIN
CREDIT LIFE, CREDIT DlSABlUTY AND
Z. Down Paymwtt 3000.00 OTHER OP11OHAL INSURANCE. THIS
Thll'Cl Perty ReNie AHIgrMld to CnMlltor ....._..............."..... . ./A CONTRACT WA.l NOT INCLUDE THEM
"""" ~CX"--....5W.OO...................1/'TA. . UNLESS YOU SION AND AGREE TO PAY
TfI~n $'$ $ ~DAJO THE PREMIUM,
'1'--- -- -- THIS CONTRACT DOES NOT INCLUDE
TotM Down ,..,,,..nl_.__".............,_.........,........._~.,,..........., S 3500.00 (2) UABIUTY I<ISURANCE COVERAGE FOR
3. Unptid llllance tit c.tl Price (1 minus 2) ........""...."...."".......... $ J3!J64.00 (3) BODILY INJURY AND PROPERTY
4. Amouma pId on ~ur tlehIill (Sel.... may _ ,..nlnt a pOfl\On GlIhUe ......n1a) DAMAGE CAUSED TO OTHERS.
To~CoIItp<<nIutor <<IA
CMII ur. Inaurllnllll (for term 01 contrad) '''.._.......'''''.... $
~It D1Nb1IIty I..uranca (for m d oontrad)..,......"... S ilIA
rr....~""'(~l~. ilIA
TOP~lk;OIf\c:I...(I)'r;~($ . ),t1tIe(- .0 I. . cered" LIfe <<IA
l'8g1strallon ($ I ) rut Z8. ~O ; Insurer
(Kl for flllng tees I .; $ MIA
(IO~_(""'","uh~ 931.04 . 964.54 Premium lnsured(a)
To tQ~r~ to< .,...<<xx GAP . 350,00 S1gnattxe
To lor'EC-TOTl . 1120.00
To nLl.AHt.KIT f'UKU tor~~ FEE $ 55.00/0NUllfc; 94.00
To "fA tor $ <<IA Cm"
TO\II.........."""....."""'.............""..............._..".."".............".".......... $ 2528. 54 (4) ClDisllbility <<IA
5. Amount Anancad 13 DIulJ 4)"...............""............."......................... . 16492.54. i. Insurer
$ iliA
FEDERAL TRUTH-IN-LENDlNG DtBCLOSURES Premium Insured
ANNUAL FINANCE Amo.." T....ot TotIIS." 51 nature
PERCENTAGE CHARGE FI........ p..,menta .....
RATE Tho_...... Tho........ Tho _. Tho__
Th.-COItdywt lhtCNdltwil _,-b youwlM........ at your pufthIM on
....... )'OUMOrtytJUr ....-... -- o JHA ilIA
eNd\taayurtyllO ...... ........macllI.n ....-- Other Optlonallnaural'lCe Term
- ..~
13,55 6291.26 s 16"92.5" ....- iliA $ II III
... , 22783.80 ,;'781 All 'nswet Premium
-.... -...... When ...- 51 natUre
................ Xl(] T"" ~h ...... f::. '::: ft.~1'l.1n==::
Yourpaymentsdladule . 0113lm1:U.....l
..oe, '"'" $ 379.73 llCI..... _ stMnwlln I noUDI or......-nt
.\fIII1O JOU 1odI,.
0
YOUmuetIneul'lUle........III~11
........ ~ ~ c..... wll ., to buY ...
~ lIDr..tlmlsIIoWft,
t'::t: .. be buId an dlI cuh YaIUI 01
till lI.tbnloIloII,.lluInol:nMftlNn
_~oIthepolloy.
,..,.,....: II you ~ 011 your ct.bI Mrty, you wII not hBve kI p"y I pttnIIIy. CJ Compl,IIel.r.. c '--J.I.A-beIlJc:IIbkl
'"* ~ You muIt,.,..... CI'lIJSMI on 1M porton 01 MOh payment raceIved more """""
lhIr110 dayI"'-. The cl'Itlrge 112 pIlCeRI of 1M IIIe IfIlCIUl\I or StIO.OO Wlllc:hrNII inI. C ""~Addillc:NIc-r.gt
.....rIlylnteNat: you..~.lel:UritylnlerHtlnthe'orel1k:ll;belng~. C TowInQnl.lbor
=:r,;.~==,::::,.,lorot~Il~=:~=-:....~ OT..... ",A MorlIhI(Eltimlte)
prapayrl\Wlt ptInaIty. -. IVA
IlroudonotllllllyourOlll'llrlClOllllpllDnl.youm-rlall...ytIIIclItISt,..,"'~1nlIJ1hIIllllllUKt,
a well a bolhPlrtldQOOdlprAORl/w"'**lIIdlllOlWyDlfOllC!t.......IlIt.......... ~~.....~~
NON-MODlRCATlON DISCLOSURE boll.ltcllldcel:lyoulw\<tpl.l'llhlajdldlbi
Anrct\arlgl~~2!bllr1~lllCl....lIyyoull1dthlCradilor. ==~~':..t~;r::c,:
antIlCOlIIIlIcIIltollhll:llbt~......__
RlI.".lil'JeG l/IU ~""ll.M't ~' torItln"'-.cflIdAdr:llndlMlwhttlll~
_lhlIoonncl.ThI~Illr"'dIbIllIIIliIIIIIl:I
.... II .. follh on ___ lI'llhllMzlton
YOU A~E' THAT YOU HAVE READ AND AGREE ~ BE BOUND 01 Amount FNneId undIt SIcIon 4.
BY THE AR TlON PFlOVIS1ON ON THI! MYI!RI! II I! OF THIS
CONTRACT.
NOTICE TO BUYER (lfu (J~
Do not oign 11I10 contnct In blank. lkJyI,x
You .... entitled to .n euct c~V' Of the contt8ct you algn.
Koop It to PTOlOCt your IogoI rfglilo.
Buyer (ond co-Buyer) ocknowlodge thot (I) bofore=a thlo
contract,. Buyer Janet eo.Suyer) received and rev a true Progrem No.
and co~telY IIled In copy of this contract and (It) lit the QUESTIONS?
time of . a~ contract, Buy.r (and Co-Buyer) reciWiCI .
a true and Iy rllliR In copy of this contract
-!...fJJ.;) fL~~ .'
"~""","'''''''IIOIDIlIIII'''1a1DOnlrllllL ...oIMr..........naMldlrl....... PLEASE CALL US AT 1-1CJO.n7.7000
;WAmllTr..f~r-..~~""'-' ..
Y.... ue lit www.fardc..ut.com
....,
R:1/V1"'~<<J ~-"___I
"
sal UCJC FOIl ADDl1'IONAL. AGRUIIENTS
ORIGINAL
ADDITIONAL AGREEMENTS
F. Delllult: You will be 10 delauh II:
.
.wtH\ll!\~f1
A. PlIymentt end SUmmery Notice: You musl maka all
peymenls in U.S. lunds when Ihey Bre due. You may prepay your
debl 1I1 any lime w1lhout penBlty. This is a simple interesl conlract, .
The aCluallinance charge you agree 10 pay wlQJaepenaCon ~i:lur.R:J
paymenl pallQl'[lS. Tn~ actusl linan~~#.'~!~~9Xiie!rl }_e (J,~
disclosed Finll.nce Charge it you maklfyour pQymemWliB1M-~IiWI^HJ
Ihe scheduled dales or in less than Ihe scheduled amount. The
Credi/orwillspplyycurpaym&nlsfJrst lolhe aamedand unpaid
part 01 the Finance Charge and tMllto lhe Amounl Financed. The
Credi10r eerns Ihe FinenCE Charge by IlPPlylng ihe AnnUilIl
Parcenlage Rale 10 the ltfiPald Amount Financed lor the actual
lima the unpaid Amounl Finantad is. 041~t'[\~lnQ,l!f:!1jIe rv"~iXleils
repoasessed. you will 1101 have a nghl fo reinstate U\e conI/act
unlesslheCrlldlloragrees. A\~
B. Securttylntenlst: You give the Credilor a securlly interest In:
1. The vehicla B.'ld all parts or DIner goods pLII on the vehicle;
2. All mon&yor goOl;ls received lor lhe vetjcle; and (lQ l('l"f.~
3.Allln&urancepremlumsandserviCQconlraClslmanc9d oryotI.
This .lIllUffi paymenl 01 all amounts you owe In Ihis corilrac01ftU
atSOSecures yourotheragraernenls in this contract. A\~l
uO,I;,)Ol
C. U.e of Vehlele - WARRANTIES; You must lake care 01
Ihe \lfthida and obey all laws in using h. You may no\,lj,eU or :fanl
Ihe vehicle, and you mUSl keep itlree rrom the cLainl5l-'o1{~bUfls.
You llAn nOt use or permit the UN 01 lite vshC1B aJlSkfeo~rlhb
Unltad States, excepl lor up 10 30 days in Cenada or Mexico,
wllhout the prior wrilten consent 01 the Credilot. II the ....hlcle Is
or.l type nor,,.,,"')' uhd for f)etaDmlJ use and the Cte4I.t9l> ar
the vehlcle'l manul.ctlJrBr, extends II written w.rrl!.n..~ or
servlee contrecl covering the vehlclflwlthln 110 oye fii?fIl'.the
data 01 this contraat you get Implied. wamlnttU1 of
mercluJntablllty and fliis, for a partlcul.r purpose covering
the vehicle. Olherwlae, you undersl:lnd end egl'tlll thellhere
ere no euch ImpUed wartan~,
D. tnlu,.nc.: You mU51 Insure yours&ll and II\! Crad!lorra~lffi!St.ll
lass 01 damage to the vehlele. The Credilor muSI eppn:WiB. .the'
type ll.nd ImDlml of inaursnce. II ~ Credilor ObWns 8 rl!4Jru;I on
inlurance or service contracts, Ihe Credilor will sub!\Wj1 ftle
reluna from what you owe. Whether or not the ....i!l~"'"lil
IrnrU18d, )'ou mUll P.!'.V, for It II It II lost, demegea] ar
destroyed. " , , fN . dJo 1
nQ '..alOt
II a Charge lor vehicle InsLlhlll~ce Is shown on the lront, !he
Creditor wlllllY to buy the coverages checked fOr the lerm sl1owrr.
The CradilOr Is notlillble, though, 1/ ha caMl:lI do so. 11 these
coverages COSl more then the amounl shown lor insurance, the
Cretflor msy buy them tor 8 shot1Br tarm or he mal' gwe you
credit lor the emount shown. II he cannot buy Iny insurance, he
will give you credit lor tha amOUnl shown. The credit will be made
laJrnj~s1 paymems due.. A \10)
,~~'~Ie ChlrSI: You will have to,..~"y a late cn.'M"'i th,
ponlon 01 eeeh paymenl made mdle Ihsn Ian day.t.UI. , ,~e
charge is shown on the Ironl. Acceptance of II Jale pa &;ea 0 ~ .
not ellcuse your delaull or m&e.n that you can keep making
payments efter they are due. The CrlJdjlor may take the sleps set
10rthinthfscorllrac~ "there isenydBfault.
1. You do not make a paym8l1twhen It Is dUll: or
2. You gave Ialse or misleading inl~@ijl'.rL'qlmYPu}. q~~!I ~OL
appilcation releling to lhlscontracl: or .11\.1 H:Ufl:) ;:281
3 Your vehicle is seized:l:ij!.aRlIloealiStal.eJor re..d&~W3iRJ
aUlhorily IInd is nOI promplly and unconditionally
relurned to you: or
4. You Iile II bankruplcYPlllilion or one is laeaagainsl you; or
5. You do nol keep Bny other promlsa inlhls contract.
II you are In de1aull, the Creditor may require y~o~ pay at once
the unpaid Amounl E\JJlM.d, the eameCl and ijI?R!!i;d parl 01 W"if
Finance Charge and all other amounts due under lhis cOlltrac[
OUHgrrMYlspossess(takabackllhevehlcle,il\9<1, H,~yaliO
take goods lound in or on /he VBI'IidB Wh~n le~es'sed and
hOld Ihem tor you.
1I1hsvehicloislakenbacx. he will send you a notice. Ttlenolice
will say that you may redeem (buy back) lhevehicle. llwl\l alsa
show the amount needed 10 radeem. You mllY redeem the
veiJJcle up to Ihe timetl\e Credilorsells 11 oragress 10 sell It. II
you do nol redeem the vehide, it will be sold
The\'CI'l!lditor will uselttle1inoney Irom tbliralleHI$$ the allowed
expenses, 10 pay 'he amount sill! owed on Il1ls CIOrIlract
Expenses paid!lS a direct resull 01 hailing 10 retake the vehicle,
hold It lor sale, and sell II are, as permllted by law, Allowed
expenses. Lawyers' less llnd leQaJ cosls pennJlleD by law st8
allowed, 100. The Creditor wDl pay you any money lell (e
surplus). Youwlll pay any monay 1l1UI owing alter the sale to Ihe
Credlror. 1I yoo l:ID rlDl pay thIs &mounl when the CredilOr asks,
lhe Gredllor may charge you inlereslatlhe hlghe51laWlut rele
unlUyou pay. A\II, A\!'.
O~G;~Con.umer Fi~rts: You authorizG Ford MOlor Credit Com-
pany 10 oblain conSLimer credit reportslrom coll6um&r reporting
agencies (credil bureeusll.9n ~~y reason and et any lime in con-
neclionwlthd~~~21.racl.
H. General: Tolladh'iltlt FMdlMotor Credll Compa'rlyC'a&out this
llccount. calJ j-aoo-727-7J:J6G.~, you may meke a'tldtilss and
olher aeliiCleEl changes''Ill :lr(ww.lordc(d.dlt..c,,"rJtIf~:!\It Penn-
sylvaniaappliestolhiscon}{~111.lllhelawdoesnolaliJ\,(\1lllatthe
agreemenls In 1his contract, the onls thel are nol allowed wUI be
1I01d. The resl 01 this contrac1 will still be good.
~OIJS.\
FTC NOTICES.
NOTICE" ANY HOL.DER OF THIS CONSUMER CREDIT
CONTRACT " SUBJECT TO A.. CL.AIMS AND
DEFENSES WHICH THE OEBTOR COU1.D ASSERT
AGAINST THE SEL.L.ER OF GOODS OR SERVICES
OBTAINED PURSUANT HERETO 0" WITH THE
PROCEEOS HEREOF, RECOVERV HEREUNDER BY
THE DEBTOR SHAL.L. NOT EXCEED AMOUNTS PAID BY
THE DEBTOR HEREUNDER.
III'" , "
Unci Motor \llIIhlcle Buy.rs Guide. If you are buying e. used
vilhicle with this contract, federal regulations may requira e.
specllD 8uyBJS Guide 10 be displayed .9n the window or \he
vehicle. T.H~ J.~FORMATIO~~ YOU SEE ON THE
. ~NDOW"'F 2'" FOFl THIS VEHICLE IS PART OF
HIS CoN'rR' CT. INFORMATiON ON THE WINDOW
FORM OVERRIDES ANV CONTRARY PROVISIONS
IN THE CON'1'RACT OF SALE.
GUARANTY
To c~ Ihe Seller to sell the vehicle described on the lront of lhis contract to the Buyer, on credit, each pe~n who sigm!1eiow e
a 'Gda'ranIOJ" guare.nlaes lhe payment ollhls contract ThIs means thaI II the Buyer laUs 10 pay any money lhat is owed on this
COntract, aach one who signs al a guarantor will pay It when esked. Each person who slgll$ below agr8as thaI hil will be lillble lor
the whole amounl owed even if one Of more Clthlr persons I!i1I5o signs this Gua~nlJI. He alsD egrees 10 be liable even ilthe Credilor
d08& one or more of.I.Ile.lollowing: (II) giv8slhe Buyer more flm!t to pay one or morepaymanls, or (b) gives e release in lull or in pari
10 any 01 the olher O\i8.'&nlors, or (C) releases any aecurlly. each GUarenlor also stales Ihal he has reeeNed a completed copy otthls
contract Bnd to'll.S. GuaranI)' a/ !hg lime oJ sJgnin9.
~
G..rantor .
GUaranlor
Address
Address
READ THIS ARBITRATION PROVISION CAREFULLY AND IN ITS ENTIReTV
ARBITRATION
Arbllr'.ation Js iI melhod 01 resolvin~ any claim. dispute, or controversy (collecllvely, a 'Claim')'wlthoUlllling a lawsuit in court. Either you
or Creditor ('us' or .we') (eacll. a Party') may choose II any Ume, Including after a laWliuif Is lUeo', to hava llny ClalfTllalalad 10 !hIS con-
traCI decided by arbilralion. Such Clalrna include but are nollimillMlto the lollo.....ing: 1) Cleims in conlraCl, lort, regulatory or otherwise: 2)
Claims regan:hng the IIlterpretatlon, stope, or valldlly at this, clause, or llrbltrabillty 01 anr Issue; 3) Claims between you anti us. our
employeeli, llgBr1ts, SUCC4tssora, assigns, subsJdi~rJ&s, or effiliat8s; 4) Claims arising oul 0 or felating to your appUcation for credR, this
contrad, or My resulting transaction,or relationahlp, including lhat with the dealer, or any such relalionihlp with thire parties who do not
siljnlhiacontract. ., . .
AIGHTS YOU AND WE AGREE TO GIVE UP
11 81tner you or we CnClOlie to .artlllra'e a Claim, lhen you and we 8ljree 10 waive the lollowing righls:
RIGHT TO A TRIAL., WHETHEf:I BY A JUDGe OR JURY
RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR A CLASS MEMBER iN ANY CLASS CLAW YOU MAY HAVE
AGAINST US WHETHER IN COURT O!:lIN ARBITRATION
BROAtJ 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~hlS You And W. 00 Not ~e UD: If a Ciaim Is Irbl1raled, you and we will continue 10 hav!! lhe following righls. wllhoul waivln9 this
a flralfOn prOVlllOfl as 1D.any Jm: J) R)ghlla fjje bankruplC)/ in COU": 2) Right 10 enforce the secunty intEllest in the vellicla, wfieiher
by repossession or lhrough a court 01 law; 3) RighI 10 lake legal action 10 enlorte the arbl1relo~s. deCISion: ana "I) Rig/ll to request thaI a
COUrl of law review whelher the artlitrator exceeded ItS authority. .
Eilher Party musl conlac/. any aS5oc1lil/an beloW alld Ihs &lller Pllny 10.Stan "ll.rtIiirallan. The applicflble,rules Une "p"l,tlef) may be
olllarnedlromthe"ssOClallon. , _...~.., " " -_"::..,_:.> ....__::.... _J"l .uJU:l 7<::::;:;
. Amarican Ar!:litnUlon Altoclahon ("AM"), 811-aOO.778-7879, or www.adr.orgj
. J.A.M.S./Endispule, 811-800-44-8'1660. or WWW.IBmsadr.tom:
. NaHonal Arbitrallon ForUm, at 1"aOO-474"2371, Of _.arb-Iorum.com.
111hara is 8 connicl between lhe Rules and IhiS contreCl, !hl8 conlracl Shall gov&m. This conlracl Is subjecllo lhe Federal Alilllralion Acl
(9 U.S.C. fi 1 et seq.) end tha F.edelai R. ".le5 of Evidence. The artlUration .declSIon shall be in '<'Irihnll. with a supporting opinion. We wi;'1
pay YOUI tolal reesonable arbitration lees and ellpensss fnolmcludlng anomey lees, except where appllcabls law otheM'ise provides) in
excess of $125. We will pay the whole mil'lg fee If we O'emand arbitration first. Any P'Ql1it1n ollhili arbilralion clause lha! is llnenlorceable
snaIl be seuerea,8ndthe rernalrllng P'(TYIlIlOI1SSnell be enlorcla.
FC:T131.!;I.I\!03 1~,..io""_mlY""_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, infonnation and
belief, and are based upon and have been obtained from a review of the facts and
infonnation contained in the business records of the Plaintiff supplied to us by Plaintiff.
Counsel has signed the verification as a matter oftime 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 falsification to authorities.
Date: July 19, 2006
gg 1. Morris, quire
Patenaude & Felix, A.P.C.
213 E. Main Street
Carnegie, P A 15106
(412) 429-7675
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SHERIFF'S RETURN - REGULAR
CASE NO: 2006-04458 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
FORD CREDIT ET AL
VS
CUSSON CHRISTOPHE ET AL
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
CUSSON CHRISTOPHE
the
DEFENDANT
, at 1932:00 HOURS, on the lOth day of August
2006
at 75 OLIVER ROAD
ENOLA, PA 17025
by handing to
CHRISTOHPE CUSSON
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
Sworn and
18.00
13.20
.00
10.00
.00
41. 20 ~
~ Qj:J!>1Dl.
Subscibed to
So Answers:
r'~~
R. Thomas Kline
08/14/2006
PATENAUDE & FELIX
By:
before me this
day
D
of
A.D.
SHERIFF'S RETURN - REGULAR
", ~
CASE NO: 2006-04458 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
FORD CREDIT ET AL
VS
CUSSON CHRISTOPHE ET AL
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
VIA BOBBI J
the
DEFENDANT
, at 1932:00 HOURS, on the 10th day of August
, 2006
at 75 OLIVER ROAD
ENOLA, PA 17025
by handing to
CHRISTOPHE CUSSON, FIANCE
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
6.00
.00
.00
10.00
.00
16.00 ;;../
q/~~IJ{, q.-.
So Answers:
~~~L<,~~
R. Thomas Kline
08/14/2006
PATENAUDE &
Sworn and Subscibed to By:
before me this day
of A.D.
.-,
GREGG L. MORRIS, ESQ.
PATENAUDE & FELIX, A.P.c.
213 E. MAIN STREET
CARNEGIE, P A 15106
(412) 429-7675
FACSIMILE (412) 429-7679
P A ID#69006
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
Defendant( s).
)
)
) NO. 06-4458-CIVIL- TERM
)
)
)
)
)
)
)
FORD CREDIT tld/b/a FORD MOTOR
CREDIT COMPANY,
Plaintiff,
v.
CHRISTOPHE CUSSON AND
BOBBI J VIA,
PRAECIPE FOR
DEFAULT JUDGMENT
Filed on behalf of:
FORD CREDIT tJd/b/a FORD MOTOR
CREDIT COMPANY,
Plaintiff
Counsel of Record for This Party:
Gregg L. Morris, Esquire
Pa J.D. #69006
Patenaude & Felix, A.P.C.
213 East Main Street
Carnegie, P A 15106
(412) 429-7675
,
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYL VANIA
Defendant(s)
)
)
) NO. 06-4458-CIVIL- TERM
)
)
)
)
)
)
)
FORD CREDIT t/d/b/a FORD MOTOR
CREDIT COMPANY,
Plaintiff
v.
CHRISTOPHE CUSSON AND
BOBBI J VIA,
PLAINTIFF'S PRAECIPE FOR DEFAULT JUDGMENT
TO: PROTHONOTARY
Please enter a judgment against the Defendant(s), above named, for failure to file an Answer to
Plaintiff's complaint.
Amount claimed in Complaint
Interest from November 18, 2005
Attorney's fees
TOTAL
$7,730.89
$851.12
$1,900.00
$10,482.01
With continuing interest on the principal amount of$10,482.01, with interest at the legal rate,
plus costs of suit.
I hereby certify that a written notice of intention to file this praecipe was mailed to the
Defendant(s) and Defendant(s) counsel (ifknown), after the default had occured and at least ten (10)
days prior to the date ofthe filing of this praecipe. A copy ofthe Notice is attached.
G L. MORRIS, ESQUIRE
atenaude & Felix, A.P.C.
213 E. Main Street
Carnegie, P A 15106
(412) 429-7675
,../
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYL VANIA
Defendant( s)
)
)
) NO.06-4458-CIVIL-TERM
)
)
)
)
)
)
)
FORD CREDIT t/d/b/a FORD MOTOR
CREDIT COMPANY,
Plaintiff
v.
CHRISTOPHE CUSSON AND
BOBBI J VIA,
PLAINTIFF'S AFFIDAVIT OF NON-MILITARY SERVICE AND MAILING OF
NOTICE PURSUANT TO PA.R.C.P.I037(b)
COMMONWEALTH OF PENNSYLVANIA )
)
COUNTY OF ALLEGHENY )
Before me, the undersigned authority, a Notary Public in and for said County and State,
Personally appeared Gregg L. Morris, Attorney for and authorized representative of Plaintiff, who being
duly sworn according to law, deposes and states that the Defendant(s), CHRISTOPHE CUSSON AND
BOBBI J VIA, is not in the military service of the United States of America to the best of his
knowledge, information and belief and certifies that Notice ofIntent to take Default Judgment was
mailed in accordance with Pa.R.C.P. 237.1, as evidenced by the attached copy.
GG . 0 , ESQUIRE
t e & Felix, A.P.c.
213 E. Main Street
Carnegie, P A 15106
(412) 429-7675
Sworn to and subscribed brfore me
this~dayof St~bv 200V,
~ 'Y\~
Notary Public
NOTARIAL SIAL
ERIN N BALTZELL
Notary PubIc
CftIfE.IC)IOUGH. AUE$lENY COUNIV
Mv CommIItlon Expne ..... 21, 2010
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
FORD CREDIT t/d/b/a FORD MOTOR
CREDIT CO.,
Plaintiff
v.
CHRISTOPHE CUSSON AND
BOBBI J VIA,
Defendant
)
)
) NO. 06-4458-CNIL-TERM
)
)
)
)
)
)
)
)
IMPORTANT NOTICE
Filed on behalf of:
Ford Credit t/d/b/a Ford
Motor Credit Co.,
Plaintiff
Counsel of Record for This
Party:
Gregg 1. Morris, Esquire
Pa I.D. #69006
Patenaude & Felix, A.P.C.
213 E. Main Street
Carnegie, P A 15106
(412)429-7675
/
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
Defendant
)
)
) NO. 06-4458-CNIL- TERM
)
)
)
)
)
)
)
)
FORD CREDIT t/d/b/a FORD MOTOR
CREDIT CO.,
Plaintiff
v.
CHRISTOPHE CUSSON AND
BOBBI J VIA,
To: Christophe Cusson
75 Oliver Rd.
Enola, P A 17025
Bobbi J. Via
75 Oliver Rd.
Enola, P A 17025
Charles E Petrie, Esq.
3528 Brisban St.
Harrisburg, P A 17111
Date of Notice: August 31, 2006
YOU ARE IN DEF AUL T BECAUSE YOU HAVE F All..ED TO ENTER A WRITrEN
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 DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAYBE
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. 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 MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
CUMBERLAND COUNTY BAR ASSOCIATION
2 LffiERTY AVENUE
CARLISLE, P A 17013
800-990-9108
By:
regg . Morris, Esquire
Patenaude & Felix, A.P.C
213 E. Main Street
Carnegie, P A 15106
(412) 429-7675
I, Gregg L Morris, attorney for Plaintiff, Ford Motor Credit Co., hereby certify that a true
and correct copy of the foregoing document was served this date by US First Class Mail, postage
prepaid upon the following:
Christophe Cusson
75 Oliver Rd.
Enola, P A 17025
Date: August 31, 2006
Bobbi J. Via
75 Oliver Rd.
Enola, P A 17025
j1
Charles E Petrie, Esq.
3528 Brisban St.
Harrisburg, P A 17111
./
-
GREGG L. MORRIS, ESQ.
PATENAUDE & FELIX, A.P.c.
213 E. MAIN STREET
CARNEGIE, P A 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 Vd/b/a FORD MOTOR
CREDIT COMPANY,
)
)
) NO. 06-4458-CIVIL- TERM
)
)
)
)
)
)
)
Plaintiff,
v.
CHRISTOPHE CUSSON AND
BOBBI J VIA,
Defendant( s).
NOTICE OF ORDER,
DECREE OR JUDGMENT
Filed on behalf of:
FORD CREDIT tld/b/a FORD MOTOR
CREDIT COMPANY,
Plaintiff
Counsel of Record for This Party:
Gregg L. Morris, Esquire
Pa I.D. #69006
Patenaude & Felix, A.P.c.
213 East Main Street
Carnegie, P A 15106
(412) 429-7675
,/
.....
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
FORD CREDIT t/d/b/a FORD MOTOR
CREDIT COMPANY,
)
)
) NO. 06-4458-CIVIL- TERM
)
)
)
)
)
)
)
Plaintiff,
v.
CHRISTOPHE CUSSON AND
BOBBI J VIA,
Defendant( s).
NOTICE OF ORDER. DECREE OR JUDGMENT
TO: ( ) Plaintiff ( X ) Defendant ( ) Garnishee ( ) Additional Defendant
You are h~bY notified that the following Order, Decree, or Judgment has been entered
against you on e F--J9 ;tOob
t
( ) Decree Nisi in Equity
( ) Final Decree in Equity
(X) Judgment of ( ) Confession
( X) Default
( ) Non-Pros
( ) Verdict
( ) Non-suit
( ) Arbitration Award
( ) Court Order
(X) Judgment in the amount of$10,482.01, plus cost.
( ) District Justice Transcript of Judgment in the amount of$
plus costs.
( ) If not satisfied within sixty (60) days, your motor vehicle operator's license wil be
suspended by the Department of Transportation. /1
Protho~~
By
If you have questions concerning the above, please contact:
Name of Attorney: GREGG L. MORRIS, ESQUIRE
213 E. Main Street
Carnegie, P A 15106
(412) 429-7675