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Home My WebLink About06-6639MAURICE & 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 P.O. Box 6508 Mesa, Az 85216-6508 Plaintiff, V. PATRICIA A SAT41AGO 69 E. Main St.#5 Newville, Pa 172414117 Defendant(s). ARBITRATION MATTER ASSESSMENT OF DAMAGES HEARING NOT REQUIRED Attorneys for Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS s Case No. Q („ -- (o ( ( &'LL CIVIL ACTION COMPLAINT NOTICE AVISO 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. Le ban demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dial de plazo al partir de la fecha de la demands y la notificacion. Hace falta asentar una comparencia escrita o en persona o can un abogado y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuer la demands en contra suya sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisions de esta demanda. Usted puede perder dines o sus propiedades u otros derechos importantes pars usted. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. I NOT ENE ABOGADO O S NO TIENE EOL DI ERO EDIATAM NTE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, SUFICIENTE DE PAGAR TAL SERVICO, VAYA EN PERSONA GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION FIND OUT WHERE YOU CAN GET LEGAL HELP. SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. CUMBERLAND COUNTY BAR ASSOCIATION Lawyer Referral Service 2 Liberty Avenue, Carlisle, PA 17013 (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 FORD MOTOR CREDIT COMPANY P.O. Box 6508 Mesa, Az 85216-6508 Plaintiff, V. PATRICIA A SANTIAGO 69 E. Main St.#5 Newville, Pa 17241-1117 Defendant(s). ARBITRATION MATTER ASSESSMENT OF DAMAGES HEARING NOT REQUIRED Attorneys for Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS Case No. C(a-tZi39 aVZCTrm CIVIL ACTION COMPLAINT 1. Plaintiff, Ford Motor Credit Company, is a Corporation with its place of business at P.O. Box 6508 Mesa, Az 85216-6508. 2. Defendant, Patricia A Santiago, is an individual who resides at 69 E. Main St.#5 Newville, Pa 17241-1117. 3. At ?all times relevant, the Plaintiff was in the business of loaning money on motor vehicle installment sales contracts, including but not limited to the note signed by Defendant(s), hereinafter more fully described. 4. On or about February 23, 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 $12,180.34 at an annual percentage rate of 16.000%, in order to purchase a certain motor vehicle, 2003 Ford Taurus more particularly described in the Contract (hereinafter referred to as the "Vehicle"). A copy of the Contract is attached and marked as ExhibiiA. 5. Pursuant to the Contract, Defendant(s) was required to make monthly payments in the amount of $208.17 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 28, 2005, but has failed to make any further payments thereafter, and are therefore in default of the Contract. 7. As a result of the default by Defendant(s), and pursuant to the terms of the Contract, the above-mentioned vehicle was repossessed and a notice of repossession was sent to the Defendant(s) giving the Defendant(s) the opportunity to redeem the Vehicle as well as notice of the sale date. A copy of the notice of repossession and notice of sale date are attached and marked as Exhibit B. 8. The Defendant(s) failed to redeem the Vehicle and the Vehicle was sold at auction with a credit given to the Defendant in the amount of $5800.00, however a balance of $4961.13 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 amounts to $220.75 and which will continue to accrue. 11. The total amount due and owing at the time of the filing of this complaint is $5181.88. WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant(s), in the amount of $51.81.88, 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, MAURICE & NEEDJFMAN, P.C. JOA)N/NBEDLEMAN, ESQUIRE Att y for Plaintiff VERIFICATION I, JOANN NEEDLEMAN, 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 statements are made subject to the penalties of 18 Pa.C.S.A. §4904 relating to unworn falsification to authorities. BY DATED: November 13, 2006 ncn cn.7a:r MVLZ MEREST VEHICLE RETAIL INSTALMENT CONTRA -DATE ?r lend Co•e44e4 Name and Adprpa PneWdirg Canty rte Lp Cod.) CRHWTOa roster Name and Address) ATRICIA A SANTIAGO FREEHOLD FORD INC. 2 HRINDLETOWN RD 3572 ROUTE 9 SOUTH 1 RAN NJ 08533-1808 FREEHOLD NJ 07728 You, "m 11- (and C-"r, it any), may buy Ns whfae d"aft" below for cash or on credo The cash pits is Mown below as 'Cash Pdp ? Thor credit pbe is shown below" -Tat 6218 Pd--" BY signing "" Co MM , You chooas to buy the whi* on CrsMt under the agnemeras on the front end bask of Ids c ftoL USED 003 FORD 1PAFP55U63A264200 Personal 0 AgeWtuw 1 0 Cananadsi TmdNn rear andaAWa s N/A N/A INSURANCE Groan Alowanp ""w'm owrtg YOU MAY OBTAIN VEHICLE rt r-MM"ON OF AMOUNT FINANCED INSURANCE FROM A PERSON OF 1. Cash Prim (bicMdFt 743.34 YOUR CHOICE. 2 Down P p $ ..,? tax) ...._.».........»...._..._ i 11887.34 (t) eye CREDIT LIFE, CREDIT DISABILITY AND Third Party RabaN Assigned To Creditor ..._..._ _ N/A OTHER OPTIONAL INSURANCE ARE C&A Down Paymsm...___.._._._.„_....„_._..._... _ ? NOT REQUIRED TO OBTAIN CREDIT Trade-In (dasarffAfan ebax),,,,„,,,,»,»,_?,.._.•,. „ f-"?-Rj7C- AND WILL NOT BE PROVIDED UNLESS Total Down Payment _$ 1200.00 YOU SIGN AND AGREE TO PAY THE 9.Unpaid BapftcsafCash Wlee(t minus ._,,...._.._..„,,,.....__._._?(?g? PREMIUM. 4. Amounts paid on your baol (Sow may be ratWrdng a portion of tow amounts) To Public Officials (0 forofBOlal fees n(iioense, tkle OCredit Life 3 repwauon leasf 99.& and for filing Nos •- N/A t• N/A Insurer (m for Was (not in cash Ns /or: Price) S /A = •? Premium Insured(s) To losuranw C Croft Lib ..... .»............... __.. $ N/A Signature(s) Credit Disability Imunnes _.._»....___i.__............».._._...._..„.. $ ToFRE?DID ItiC IpDOC F8 _._ .».__».._... = Credit TOW f 0Disability Insurer To for 3 t- $ N/A To fonG11P- t Premium Insured Total A Amoust Pines (3 plus 4) „...».-„__..».i?•__.._._._„....._...„_._. s ('? Signature FEDERAL TRUTH-IN.LENDING 04SCLOWMS 0 N/A ANNUAL FINANCE Amcunt Total of Toth Said Oihsr pt?al surance Twm PERCENTAGE CHARGE Financed Payttt•lIS prig SA_ RATE 7M loser an., TM anwwd a nee -ow` The told pa Insurer Premium The tart ot your aw crest via to I'mridN you 'A hew of yaw Pwc an on crew as a Y"* rose L7O Yaw tiefrs have mwhan eals a you kwklantp Pair Signature satelkded a: Croft us and Clem DNWmty Nsuglwe an 16.00 6 : 1218 0, 8 s 19D90.2(1 for the wren at tM oomrea Th amount amt c.wrapee an shown in a notice or sprsament ' given b you today. I 93 Numbwof Annual of Each Whoa P;Z§an due PWM Schedule- "y"ams Payment 0 Debt tonaahasonwwsrAddn-(opseW) K mid bas N cheawd you hm pndurd a debt Your paymrd rdndnh 298.17 --- -- i x41 be: rnonpiq, 4li5iiD apsorrel mq is nei rotation is dsylnlha I fied $ 298.17 APR 80 2004 Mawnaaw4NMaendeb crowd mwaw 0 an am blh New oftolu t Addeas m which i " lnc&Paabd NN MN aaMnaeL The pip jr the in matandset nofAnnumf find unNrSecum 4. Pra?yman? pry molt Pay- Ma ".Ynw8norhawNpayapnsft. 41i Paymandz ?W 1 ?. daYaMw..I. afiai•e on Pee partlon r saris paynwM receimd more than • tnyer - YoupaawYwwNdef rpersonot,IanrtY drimnahold dw dwp is e%a1M - th is WWM Nor 0. whkewwr b tea Otherwise. IM charge In 7.54 of the iN amount or $W whichever left Seeudy lelaneb You re phfrg a sso?aiy h •» vehkk ConVaot: PNaw ass V" convia tr a0dflbny, on as being yPubgsteet, non wymrx' daauL aNr rfyu to cootie Wave, 0 al Ysur ^ 1. fus bsbrd Ym adwwanyd daN, rte Progr8111 Na pepsynant greasy. e. .nor el•ntea by Yau sM iM cndaar. QUESTIONS? 9UVER: Oasuv__ X • • Credit NOTI E TO RETAIL BUYER ft:ign this coa?yAe! U blank. You sedilled b s Copy of tM twratreot at IM1• not Buyer (_Y tflgn Keep it he protect yotanhow Nghts (And CO-Buyer) aakowledge Brlyr) befa?n donlna this contrael. Bu sr rwsWad and twvlaxrad a trot s?eom0 Yin )aft y we o ot swpy?lved PLEASE CALL l18 1800-727 7000 Y n Dopy o on nw?(? 00- ar) or r Visit us at wxw.toMCrodf COM ^ 50 SACK FOR AWMCNAL AGREEM MM teMr fu ? i. r _-' ORIGINAL EXHIBIT ADDITIOMAL AGREEMENTS A. Peywau": You naMlmYkeail payrarrr• in.UA fiA &Afarr May . also Is You . may ppay yaI dab4? parraAhl. This Y 4 {Yel?t burnt Th4 aobrM SnarrOe ONLY Monad ft dedoaad Fbw" «Ch rzM CLCrnaNSbWManM.aolwikAadaataa IMathewnrd? amaN YatrpaymeMaAAbeapp14d _ rspaN Pot d tlb Pima Charge and Mrr 10 ft "Ploy Mme MANI FaronMapa Aft it NYdwmatl by I'lliffinolid for ft actual time Mr Yb vnM Maur- ' i Fk= B. Saourky Irdorsak You rrV? r Five eb Cbdbr a eOOteEy raareallrc 1,iha ow a antdpubacarerpeoWPuenabwWde; P N . Now r prods nodyed far ft vshkN; arm a. N knrara praadane ad aryls arraob')kwrald 4iwi! O. Dahmb You wN be In detain It ?5r r r ?• 1. You do not rake a PFP" when kb dNk,Mp,.:r d 2 You But No or mweaft.i a(peyyq aM1w4)a99?1 „^ 4ppo"M mom b MIe extaOM, or a. YOU, v I Is sahad by any loot, MNK or adrel auMorAr and Is rbl porrpl y oral wmrwftn* 4. Yaw Dpi agbaryou; or yaupay paMlbn or orb 4 Wad apakW yoq err b. You do not 4%MV.ftr te aye M you do" Eb Cmdbor may ragNN you yyb per?ra?ry pMp or" an and -Al aFl? bus Uraif'tlda'eo arut No may rpoNeN (take uaoq Mb vaMole ao. He may also 11111 pooch found b tln velrbt when repossaeNd am hold them for you. This "urn paynwd of AA o Ar1101w you on rk4r tit ftl back M bLberd you a noke. The hake M etc eeorea your ra aarr aprsrnerde in 1* oordract. °pMr?" ,'' M Pre = d,e a vehiCN t 'M d W&M n to mom no v*May MMlla room it w8 wo C ue.avafdot•INrranperYaumwtbkecaredfbvehldAi:;U illlcb UP 10 ft kne ft Cbdlbr Nis U «ag wic so IL it and obey M kawa in wNp I. YOU n not as or w llkrvMdilN you der not redeem ft vehicle, It rwAl M aft and YOU ARM 1140111610 Mrr M daNna d Oft"' Y r1y? use or pared err used are rslrld- oubift d alb '$b or Maw, "Othold ft prior IN, 1?N IN 30 In 0116 C?ndbr?N Mfi N!" Is Ots taw normapy °0 used for personal aN and Ira Crum". r," valuaN's mawlasNaa, OaYeN a wNNOe a ervlN 4aMraet aovaHrrp me I dM wumn p ?Mam Eb dw? duo abEMae, You pt k*W wrwass ON nbrgynn6edgq arm knpEed warranUa Was MM tllera W4 4ue1! D. MrrYanaa: YYaayy rlarM ilalk4 yOUraeM and Uwe •: y ap4 bbut ee ar drrrpe'6'Me Voldde. The Mlo and amotlid M* be qW-d by ft Nlrm on knrarae or Service o wdcw,. afire a b bind bon what you owe. whdtra or nol'tha76hbb b MburrkyounwdpeybrMMMbgK mww`a TWA DOES HOT NauoE IMMU do a Y uASI1rr FOR NOOILY MAY OR PROPERT WITHOUT MOCH you Y Y E'OT OPERATE ?B W"WfucLe ON INiNYY1YS. E a Mfyor wbuI is adh n On port, the T b rol Lba?raa tucked forfM Mm down. I he " do Ma. N Mass mwmpe cad ante Ylen ft amoo MOM forivewrrce, ft buy tom Ior a shorter W OW you orn for go ust Mown. M Ito car" buy or M. may ona he bOY any. braansa• he to ft tad pl l t P ,notNor lose rrayre Mown. 71b asdd wN be meals yrebnia also. L Lab Pay M YOU wN ham q pay a We #Mpe on lho slam dPfis onro 0 moo met* You VA also Myeb?pMie.TMdoge wT lass pold Crodlbr Is an eum" eaonwy for 001000M Ynwalsoy the aywalNMbyf Mulborbooledaybbpp Nalbwep by law. Aprsplrrca of a lea pyrrbta or late don rot.. mare your dakA or marl ft! you can keep mpdq paper" = e Ow ftray ne dus. The CradMor a" fake In aePlsd lorar below any dafaraL F .F,y. ?Relurned Check Ckapd YWraMpee b pay a clod( W is ddragnd due to N Medal" kwo In ft n The moray km ft tale, 10N Me alawd alpruea, wW be eusedd IN pay ab gnaw MN owed on ttaa COMMM Allowed aN bb vNrld o- laM PnWn kx solo. MW sell kL? q Limisra- fRaft dab IpYporlkfsdbylawYlaabwed,g IfftriIs any morgy tI (a s wpkK), 0 will be PLO JD-Yq . M the nXNyy krr M. Nle 4 MBA ow 1 brc3aiilor y wawft= ?uI 'yC,da r?ioc.y Mill rased when ft CrrWr ask., -y cops you farad at Ire hvmd iawkd rate urN you pay. IL Consumer Report: You aukrorise Ford klaor C ,*M a(ap(dX?rtorW?trasbplkom k Oomractian?Yl•+u I "tl !7 . r, AF" L Ooneral: To cooled Ford Maw c Nm Company aboa ft, "MUn, CAN 1400.727.70W. Ato. You may make ad"as Arm OMr eelsolsd dbnpw d wwa brdroftoom. The law d Nero Jersay apPW$ b dda car*&a M shat low dew not a" M do ato yOK TTM e real of ode coy*" will ones W be p?oodd Mkrlred wN be 11 15 UUMIJIMT TO ALL WHICH TN's DEBTOR COULD ASSERT 1'"B ANT f1?ER'OE ODORWf>f? .THE S HEREOF. RECOVERY HEREUNDER NY 5?! !MALL NOT EXCEED AMOUNTS PAID Used Me%, Yahkla ayyre OMda q ypu an 6uykq a uad wnrGa WM aw wool sow Afay rapdra a •P•ctt ByYare M la" 011b T o a You iEE? ON THE wnbodwr POW FOR TTlteMb YaaCLA M PART OP THIS CONTRACT. WORMTION ON THE WINDOW PORK OVEMM ANY CONTRARY MOMMONS N THE CONTRACT OF LUL as saw. Too pow" wr as Saud ylshua &V ...Ipso a auiagrrea Iralaer d drill Corraaee ry eWnr, d.ln.s, w..bta Which Yoe gray have NNW as Sear a esnr 1 'ever d ow Ad i.; OUARMITY T O Now Me S@1W Is ad Ub Vddde dwabulft the ka t of art contract b are Buys, an OWL aaM Person who alprb below As a *a- 6" pwrous ft b k When ? Mean 11M M Ms Buyer hr to pay say mor" Mal is awed on oft conUaa, Each below @grew I" arse Woad am Y oo n@ or alas sayer prsma IraN dpb Vk GNMgy. He person who deb N S be e lia MW M ? N fu be rack lose ft wno or don mere d fat IabwirS (8) OWN Ms Boyer mall Ikea 10 Pay ab a r PAynr else ft Of p)) Oves release in w a in pat a Any a ft W- Orbranfora, r (t) bbaeae any U=W. Elder Ow mw Also aloha sus he has roook ed a =Vhftd copy of eda cminct and M (iuraaf• in fat ON, d alpniq is ourarw Addws deneda aor rany rip iaryrCaoiN ai rebtlNMli kwiudnp 1101 w?M the ?br of, or relaft IN your apoEralbRforasd, Mb ally ouch ralaaanlYp wM Mid Brea who do nol g?lpp?? :? Rifer y • e ¦ M Pou rm we sees to welve ltd fabwiq eptrb: • IEOIIT TO A ==I BY A .NICE OR JURY • MIGHT TOP CLAN R ENENTATNE OR A CLAIO MEMBER N ANY CLASP CLAN YOU MAY HAVE AO BROAD - ANWT US WMtT1/pNp IN COOU IT OR N MNfRATiOH • tIEHT TpTO APIM pEpEpR?af ARERgATpq A LAMINIR • OTMM INONft THAT AIM AVANJ N. IE ad. A LAWSUIT f I n. ) M a CYba6 arbbrafad, You acrd we wN mill n e b have alb baoadrp WRIMA wdykrp sale by ---- alp, or tlsagh a cowl of brr ryda. b? ION r b?eMap w obis aiErMO ee l k _- -' Ma wlrlde. wlbfrw Ora d lase raNwr aAradrar En arblaslor ara?i44eedda4tt It a0 A) to wglrM Mat a Elft Pw 7 'j v Effie aN lonany aaeodes" bataY;MW to oabr Fry b are arbNaaon, The sPPNWJ* owe (eb 7Idw7 may be JAM.E•IEnaaaY. aA t CAAA- 001 ?•EOD7a7p, r wwwA*MM This earibliat Is at low al ba IOU b io ft 1411 . r s ?j' •..PRN"' Ford Motor Cradle Company P.O. Ban 31111 a TAMPA, FL 336313111 (877) 348-5290 'r P'03TFTOM00024 PATRICIA A. SANTIAGO 69 E. MAIN ST. NEWVILLE PA 17241-1117 Repossession ion 01.152006 r Date d Contract 02-232004 385543 66 . SANTIAGO DESCRIPTION OF PROPERTY Y ? New ?x Used Vehicle Identification Number: 1FAFP55U63A264200 Model TAURS Body SEDAN NOTICE OF OUR PLAN TO SELL PROPERTY We have your property described above because you broke promises in our sgrean,erd. ? PRIVATE SALE: We wN sari the property described above at Private ads aametlme sitar If days from the Data of Notice shown above unless -teemed by you prior to such sale. ? PUBLIC SALE: We will sal the property described above at public sale to the highest bidder an the data below (Or any adjournment date). The a* will be held as foibvra: g111 Time of Sale Plea of Side You may attend the sale and bring bidders if you want. The money that we get from the sale (after paying our costs, including reasonable attorney's fees and legal expenses if permitted by law) will reduce theZamount you owe. If we get less money than you owe, you will still owe us the difference. If we get more money than you 0*, you will get the extra money, unless we must pay it to someone else. You can get the property back at, any time before we sell it by paying us the full amount you owe (not just the past due payments), including our expenses. See How To Get Your Property Back for an itemization of amount owing. To learn the exact amount you must pay, calfbs at the telephone number above. If you need more information abiiut ttie sale call iu at tt 'e__ telephone number above, or write us at the address above. If you want us to explain to you iq writing how we have figured the amount that you owe us, you may call us at the telephone number above, or write us at thwaddress above and request a written explanation. We are sending this notice to the following people who have an interest in the property described above or who owe money unde your agreement: 1) The buyer and any cobuyer named above; 2) Any dealer/original credltor named below; 3) If there are other people, they are named on an attachment sent with this notice. NOTICE OF REPOSSESSION The property is presently stored at: MANHEIM AUTO AUCTION HOW TO GET YOUR PRttIRCROAD To get your properly back, pay us this amount by certified check or money order before the vehicle le sad. Unpaid Balance $_ 10420.47 Pius Costs: Repo Expenses $ 40000 $ $ Plus Late Charges $ 20.00 Lose Finance Charge Rebate $ Less Insurance Premium Rebate $ TOTAL $ 10,840.47 (Pk,sexees marred If default atthe a dmr Ofrepoesesaion exceeded 1a days a parnd leas rabde rewNW alter tie date d thle notlte.) Your property won't be sold until 15 drys alter the date of this notice at the EARLIEST. After the you can ail got I back any time before ire actually sold. If you do, well have no further cWm on It But the longer you wait, the more ooata Qnduding repalm) you may have to pay. If you have any questions about this, please call us. C ? The properly hen been (or will be) WU W to: you with your deale'l"10yg pl cradiW the dedenbrgirel creditor is to sell the property and pay you any ( 'nai yWito )r) aUfnd the as agreement pay it to the dsaI9QIIgkw aedlar. money left over. If you owe money FX1 PERSONAL PROPERTY: Any personal property farad in the vehicle may be reclaimed by you within the next 90 days or, in accordance with state law. by c0ntK ng this affka. T1101101 I the personal property shall be disposed of accordingly. ? Creditor has assigned to Its quepfied intermediary (01 Exchange, LLC) Its rights (but riot its obliigatlan) with respect to the sale of each vehicle listed above. PAYMENTS: AI payments b us must be by certified check or money order. MILEAGE DISCLOSURE: If you are axon, that the mileage reflected on the vehicle's odometer Is not accurate for any reason, please contact us so that we can accurately MW the v*"* mlimp : INSURANCE RIGHTS: If you don t vent II gel you property back, ? the ?? ??y or the ?? creditor to make we that any Insurance has been carxol" You hove a right k gei.) far all premium refunds. CAROLYN L. CASSICK FFNA 1laeas7.Yn Ox ROAM bilbn.m.,. NOT M WNd. ° HABIT RI n M U.SA. CUSTOMER/CUSTOMER FILE ;r y . ' Z m [5 .'?i. ?vy,?:yr• Yrs. •g f{l??? .tN. +' ? ?t m S5v%5 ?.g-' .: c?'h•. .. . r :' .. •..A:'r.1;:4 ?'?i•c:..i a. i IJw?MandAOa'N??ofSr n (di`? fm04orMMts: ----- .• ' 38120 Amrheln, '.ivonlet, Ml 88150 03 o=too o ?,?,,., ? oon ?«romwwe?n o •. ":""' d.r., • ' JqN AM N a &*bm cows* 1 *N- ,em ,- Nu.¦.n?A aw« Q1: aa+R. tva?,y fum6ry Am riw. ow x U0117120559S50 7Q05 03 NR@VftVd l w w ItD fut vw FN F« FM FM FN SP-029208484 90 0003 0904 5355 FRANCESCA F. MCTIGHE 3122ND ST U01 17l20559954 7005 0340 (1003 09 PITTSBURGH PA 16215 Q4 5393 ?• JJ-038375633 51 JEFFREY W. KLINGER RDi BOX 832 JB-035412862B-036412882 FRANK T. SMALL JR COALTOWNSHIP PA 17866 61 PINE HILL OR 7QQS Q39Q (1003 ELKTON MD 21921 Q904 5362 U0117no559955 JO-033918684 ST 7005 039(1 0003 ^' EVEN G. HR7AN > g04 O RR 3 BOX 218 ' 5409 U0117/20569952 TROY PA 16947.9426 .• ; JB-030137909 JAMES TIERNEY 3 RUBY STREET 70(15 Q3gp OD03 0904 S371 U0117t20659ft fB LANCASTER PA 17803 I gA 0 748225 DONNA J. SINGERLING 418 DELAWARE O ?Q05 0390 aa03 09(14 S?! :, u - R BANGOR PA 18013 36 , 117/20659963 JB CL 4 438554388 P ATRICIAA. SANTIAGO 7003 039(1 0003 0904 5386 p y I' 69 E. MAIN Sr. NEWVILLE PA 17241-1:117 4i Ford Motor Credit Company PO BOX 31111 TAMPA FL 33631-3111 877 3495260 DATE: 2006-04-05 P0410T00000036 PATRICIA A. SANTIAGO 69 E. MAIN ST. NEWVILLE PA 17241-1117 STATEMENT OF SALE Account Numbet 036554368 The following, property has been sold. Year Make Model Vehicle Identification Number. 2003 FORD TAURS 1FAFP55U63A264200 Balance owing on your contract (1) $ 10, 440.47 Deduct: Finance Charge Rebate (2),$ 0.00 Balance less Finance Charge Rebate (1 - 2) (3) $ 10.440.47 Deduct: gross proceeds of the sale (4) $ 5,800.00 -Balance less=gross proceeds•of fhe•sale-(3---4}- _.,-,_ (5) $ 4.640.47 Add: Expenses of retaking and storing, and (6) $ any attomeys' fees allowed by law, and 625.50 expenseWof reconditioning and selling. Deduct: Insurance Premium Rebate (7) $ 0.00 Other: (8) $ 304.84 Deficiency" (9) $ 4961.13 Surplus* (10) $ NIA The Surplus/Deficiency will change based on monies received by us (credits) or additional allowed expenses & interest added to your account (debits). Surplus* or Deficiency" * if the sale 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 shows below. For additional information call or write: Mail deficiency payment to: Ford Motor Credit Cbmpany Ford Motor Credit Company P.O. BOX 6508 MESA ARIZONA 85216-6508 DEPT 194101 55 (800j 732-2264 " P.O. BOX X 55000 DETROIT MI 48255-1941 EXHIBIT FFNA11990 01104 Previous edftions may NOT be used. Lpi O r-,7 11? r ,0(/1 SHERIFF'S RETURN - REGULAR CASE NO: 2006-06639 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND FORD MOTOR CREDIT COMPANY VS SANTIAGO PATRICIA A DAWN KELL , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon SANTIAGO PATRICIA A the DEFENDANT , at 1812:00 HOURS, on the 29th day of November-, 2006 at 69 E MAIN ST #5 NEWIVLLE, PA 17241-1117 by handing to PATRICIA SANTIAGO a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 9.68 Affidavit .00 Surcharge p0.1 10.00 \,\\' ° .00 ? 37.68 Sworn and Subscibed to before me this day of , So Answers: R. Thomas Kline 11/30/2006 MAURICE & NEEDLEMAN By C )cxt Y\ Deputy Sheriff A. D. MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 Charlene A. Taylor, Esq. Identification No. 203920 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 (215) 789-7161 Attorneys for Plaintiff FORD MOTOR CREDIT COMPANY Plaintiff v. PATRICIA A SANTIAGO Defendant(s) CUMBERLAND COUNTY COURT OF COMMON PLEAS CASE NO. 06-6639 civil PRAECIPE TO ENTER JUDGMENT PURSUANT TO STIPULATION AND CONSENT TO THE PROTHONOTARY: Pursuant to the attached Workout Agreement for Payment and Consent to the Entry of Judgment, kindly enter Judgment in favor of Plaintiff, and against Defendant, PATRICIA A SANTIAGO in the amount as follows: Principal Amount $ 4238.57 TOTAL $ 4238.57 MAURICE & NEEDLEMAN, P.C. ESQ. Date: October 9, 2007 MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 Charlene A. Taylor, Esq. Identification No. 203920 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 (215) 789-7161 Attorneys for Plaintiff FORD MOTOR CREDIT COMPANY Plaintiff V. PATRICIA A SANTIAGO Defendant(s) CUMBERLAND COUNTY COURT OF COMMON PLEAS CASE NO. 06-6639 civil 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: PATRICIA A SANTIAGO 69 E. MAIN ST.#5 NEWVILLE, PA 17241-1117 , PC. B Date : October 9, 2007 EDLEMAN, ESQ. for Plaintiff MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 Charlene A. Taylor, Esq. Identification No. 203920 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 (215) 789-7161 Attorneys for Plaintiff FORD MOTOR CREDIT- COMPANY - Plaintiff V. PATRICIA A SANTIAGO Defendant(s) - - CUMBERLAND COUNTY COURT OF COMMON PLEAS CASE NO. 06-6639 civil AFFIDAVIT OF NON-MILITARY SERVICE STATE OF PENNSYLVANIA COUNTY OF PHILADELPHIA SS. CHARLENE TAYLOR, ESQUIRE, being duly sworn according to law, deposes and says that she represents the Plaintiff in the above entitled case and that Defendant, PATRICIA A SANTIAGO; is over 18 years of age; the occupation of Defendant is unknown and to the best of Plaintiffs 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. MAURICE & NEEDLEMAN, P.C. BY: SWORN TO AND SUBSCRIBED before me thislo day of O Z t , 2007 Notary Public & - COMMONWEALTH OF PENNSYLVANIA Notarial Seal Agnes Beiland, Notary Public City Of Philadelphia, Philadelphia County My Commission Bores Jan. 20, 2009 Member, Pennsylvania Association of Notaries MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 Charlene A. Taylor, Esq. Identification No. 203920 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 (215) 789-7161 Attorneys for Plaintiff FORD MOTOR CREDIT COMPANY Plaintiff V. PATRICIA A SANTIAGO Defendant(s) CUMBERLAND COUNTY COURT OF COMMON PLEAS CASE NO. 06-6639 civil AFFIDAVIT OF CONSENT TO JUDGMENT STATE OF PENNSYLVANIA COUNTY OF PHILADELPHIA SS. JOANN NEEDLEMAN, ESQUIRE, being duly sworn according to law, deposes and says that Defendant, PATRICIA A SANTIAGO has entered into a Workout Agreement for Payment and Consents to the Entry of Judgment, a copy of which is attached hereto. MA BY: SWORN TO AND SUBSCRIBED before me this /0 day of O-Z;t , 200,7. Notary Public & NWLF4M4N, P.C. JOXn?EfSLEMAN, ESQ. Afto ev for Plaintiff COMMONWEALTH OF PENNSYLVANIA Notarial Seal Agnes Beiland, Notary Public City Of Philadelphia, Philadelphia County My Commission Expires Jan. 20, 2009 Member, Pennsylvania Association of Notaries 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 l1J /tSy-/1JJ FORD MOTOR CREDIT COMPANY CUMBERLAND COUNTY COURT OF Plaintiff COMMON PLEAS V. PATRICIA A SANTIAGO CASE NO. 06-6639 civil WORKOUT AGREEMENT FOR PAYMENT AND CONSENT TO THE ENTRY OF JUDGMENT THIS AGREEMENT is made between FORD MOTOR CREDIT COMPANY c% Maurice & Needleman, P.C. 1617 John F. Kennedy Boulevard, Suite 935, Philadelphia, Pennsylvania 19103, hereinafter called the "Plaintiff"and PATRICIA A SANTIAGO of 69 E. MAIN ST.#5, NEVWILLE, PA 17241-1117, hereinafter collectively called the "Defendant" WHEREFORE: 1. The Defendant acknowledges having executed to the Plaintiff a Retail Installment Contract ("Note") under the terms of which Defendant promised to make certain payments of principal and interest to the Plaintiff according to a schedule more specifically set forth in the terms of the Note. 2. The Defendant acknowledges having failed to pay interest and principal as required by the terms of the Note and is in default of the Note. 3. The Defendant acknowledges that there is immediately due and owing from him'to 4w the Plaintiff under the Note $5613.57, consisting of principal, interest, and attorney's fees (hereinafter the "Amount Due") and the Defendant acknowledges having no set-off, credit, or claim against the Amount Due. 4. The Defendant desires to satisfy the Amount Due and therefore makes the above representations to induce the Plaintiff to enter into the within agreement for the payment of the Amount Due. 5. NOW THEREFORE: For good and valuable consideration described below, the parties agree as follows: a. Plaintiff may enter judgment against Defendant for the amount due and the Defendant consents to the entry thereof. b. The Defendant shall make payments of $150.00 a MONTH due 12/15/2006 and on the same day of each month thereafter until it is paid in full. C. Interest shall continue to accrue at the rate of 6.0% d. All other terms of the Note, unless otherwise set forth herein will remain unchanged. e. All payments under this Agreement will be made by check payable to "Maurice & Needleman, P.C. FMC Attorney Trust Account" at 1617 John F. Kennedy Boulevard, Suite 935, Philadelphia, Pennsylvania 19103. Please reference the file number 4863 on all payments. 6. During the term of this Agreement, the Plaintiff will forebear from enforcing its judgment for the collection of the Amount Due provided the Defendant is not in default of any of the terms or conditions of this Agreement and makes all payments timely. 7. The Defendant will deliver to the Plaintiff, with a signed copy of this Agreement, answers to the "Questionnaire" simultaneously supplied to the Defendant with this Agreement. 8. EVENTS OF DEFAULT. The following shall constitute an Event of Default under this Agreement: a. The Defendant fails to pay, when due and payable, any scheduled payment as set forth in paragraph 5 b. above, and such scheduled payment remains unpaid for more than ten (10) days b. The Defendant fails to return the Questionnaire. 9. PLAINTIFF'S REMEDIES UPON DEFENDANTS' DEFAULT. In the event Defendant fails to cure any default after Notice thereof as described above, Plaintiff will be permitted to commence execution proceedings forthwith. 10. This Agreement does not alter, amend or modify the Defendant's obligations to the Plaintiff under the above Note, unless otherwise set forth herein. This Agreement does not alter, amend or modify the Defendant's obligations to the Plaintiffunder any other document which is not named herein. 11. The Defendant acknowledges that as of the date of this Agreement he has no claim, whether known or unknown, against the PlaintiffAND HEREBY WAIVES AND GIVES UP ANY AND ALL CLAIMS HE MAY HAVE AGAINST THE PLAINTIFF AS OF THE DATE OF THIS AGREEMENT, WHETHER KNOWN OR UNKNOWN. 12. THE UNDERSIGNEDACKNOWLEDGES HAVING READ THIS AGREEMENT, 3 UNDERSTANDS IT, AGREES TO ITS TERMS AND HAS RECEIVED A COPY OF IT, WITHOUT CHARGE. ia& _ Gf- 'x"z- ,- Dated: i l --1 G - UGC PATRICIA A SANTfAGO Defendant By: Dated: Jo a eman, Esq. Att ey r Ford Motor Credit Company 4 na v -Ts` C -n Fn P ' • ' co Y l y 1 7+ p _ ti •ri W r. MAURICE & NEEDLEMAN, P.C. BY: Joann Needleman, Esq. Identification No. 74276 Charlene A. Taylor, Esq. Identification No. 203920 935 One Penn Center 1617 John F. Kennedy Blvd Philadelphia, PA 19103 (215) 789-7161 Attorneys for Plaintiff FORD MOTOR CREDIT COMPANY Plaintiff V. PATRICIA A SANTIAGO Defendant(s) CUMBERLAND COUNTY COURT OF COMMON PLEAS CASE NO. 06-6639 civil () Notice is hereby given that a judgment in the above-captioned matter has been entered against you in the amount of $4238.57 on /a ?g c () A copy of all documents filed with the Prothonotary in support of the within judgment is enclosed. Prothonot /Clerk by: If you have any questions regarding this matter, please contact the filing party: Name: Joann Needleman, Esquire Address: Suite 935, One Penn Center at Suburban Station 1617 J.F.K. Boulevard Philadelphia, PA 19103 Telephone No.: 215-789-7154 (This Notice is given in accordance with Pa.R.C.P. §236)