HomeMy WebLinkAbout07-0016
NAUMAN, SMITH, SHISSLER & HALL, LLP
Guy P. Beneventano, Esquire
Supreme Court LD. No. 43107
Brandon S. Williams, Esquire
Supreme Court LD. No. 200713
200 N. 3rd Street, 18th Floor
P. O. Box 840
Harrisburg PA 17108-0840
Phone: (717) 236-3010
Fax: (717) 234-1925
GMAC,
Plaintiff
Counsel For: GMAC
: IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYL VANIA
v.
.
; NO. 07- 1& ~
---
I po.-
KARTIC C. DASS,
Defendant
CIVIL ACTION - LAW:
: ACTION IN REPLEVIN
NOTICE
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.
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, P A 17013
Telephone: (717) 249-3166
.
NOTICIA
Le han demandado a usted en la corte. Si usted qui ere defenderse de estas demandas
expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la
demanda y la notificacion. Usted debe presentar una apariencia escrita 0 en persona 0 por aboado
y archivar en la corte en forma escrita sus defensas 0 sus objeciones alas demandas en contra de su
persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede entrar una orden
contra usted sin previo aviso 0 notificacion y por cualquier queja 0 alivio que es pedido en la peticion
de demanda. Usted puede perder dinero 0 sus propiedades 0 otros derechos importantes para usted.
USTED DEBELLEV AR ESTE DOCUMENTO A SU ABOGADO INMEDIAT AMENTE.
SI USTED NO TIENE UN ABOGADO, LLAME 0 VA Y A A LA SIGUlENTE OFICINA. EST A
OFICINA PUEDE PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN
ABOGADO.
SIUSTED NO PUEDE P AGAR POR LOS SER VICIOS DE UN ABOGADO, ES POSIBLE
QUE ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIAS QUE
OFREZCAN SERVICIOS LEGALES SIN CARGO 0 BAJO COSTO A PERSONAS QUE
CUALIFICAN.
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, P A 17013
Telephone: (717) 249-3166
NAUMAN, SMITH, SHISSLER & HALL, LLP
Guy P. Beneventano, Esquire
Supreme Court J.D. No. 43107
Brandon S. Williams, Esquire
Supreme Court LD. No. 200713
200 N. 3rd Street, 18th Floor
P. O. Box 840
Harrisburg P A 17108-0840
Telephone: (717) 236-3010
Facsimile: (717) 234-1925
Counsel For: GMAC
Dated: January 2, 2007
NAUMAN, SMITH, SHISSLER & HALL, LLP
Guy P. Beneventano, Esquire
Supreme Court LD. No. 43107
Brandon S. Williams, Esquire
Supreme Court LD. No. 200713
200 N. 3rd Street, 18th Floor
P. O. Box 840
Harrisburg P A 17108-0840
Phone: (717) 236-3010
Fax: (717) 234-1925
GMAC,
Plaintiff
Counsel For: GMAC
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY,PENNSYL VANIA
v.
: NO. () JI - It.., GPv -r;:-.
KARTIC C. DASS,
Defendant
: CIVIL ACTION - LAW
: ACTION IN REPLEVIN
COMPLAINT
AND NOW comes Plaintiff, GMAC, by its counsel, Nauman, Smith, Shissler & Hall, LLP,
to file the within Complaint based upon the following facts:
1. Plaintiff, GMAC, an entity organized under the laws of Delaware, having offices
throughout the United States and having an office at 555 Business Center Drive, Horsham,
Pennsylvania 19044.
2. Defendant, Kartic C. Dass (hereinafter "Defendant") is an adult individual presently
residing in Cumberland County at 125 N. Enola Drive, Enola, PA 17025.
COUNT I
REPLEVIN
3. On October 23, 2003, Defendant entered into a Contract with Forbes Chevrolet, Camp
Hill, PA 17011 (hereafter "Seller") for the purchase of a 2004 Chevrolet Cavalier, bearing Vehicle
Identification Number IGIJC52F947216865 (hereinafter "Vehicle") for a net purchase price and
finance charges in the amount of Thirteen Thousand Nine Hundred Twenty-Six Dollars and 001/00
($13,926.00). A copy of the Contract is marked as Exhibit "A", attached hereto and its contents are
incorporated herein by reference.
4. Defendant, pursuant to the aforesaid Contract, agreed, inter alia, to make sixty (60)
installment payments in an amount of Two Hundred Thirty-Two and 10/100 Dollars ($232.10) each,
commencing November 22,2003 and payable on the same day of each successive month thereafter,
for a total obligation of Thirteen Thousand Nine Hundred Twenty-Six Dollars ($13, 926.00).
5. Under the Contract the Defendant granted the Seller or its assignee a security interest
in the Vehicle and its proceeds.
6. Defendant, pursuant to the aforesaid Contract, agreed that in the event of default in
any payment due under the Contract, or the failure to comply with any term or condition thereof, that
the Seller of the aforesaid Vehicle may take possession of said property, including any equipment
or accessories thereto, and for this purpose Seller may, in any lawful manner, enter upon the
premises where the said property may be and remove same.
7. On or about October 23,2003, for good and valuable consideration, the said Contract
was assigned by Seller to GMAC who succeeded to the rights and interest of Seller. GMAC,
pursuant to the provisions of the Pennsylvania Motor Vehicle Code and the Pennsylvania Uniform
Commercial Code, perfected its security interest in the Vehicle by properly notifying the
Pennsylvania Bureau of Motor Vehicles to endorse upon the Certificate of Title for the aforesaid
2
Vehicle a notice of its encumbrance upon the aforementioned Vehicle and security interest therein.
A copy of said Certificate of Title is marked Exhibit "B" and attached hereto.
8. Defendant has breached the said Contract in that Defendant failed to make the agreed-
upon installment payments due.
9. Such defaults are continuing.
10. The present outstanding balance du.e GMAC from Defendant is in the amount of Six
Thousand Six and 76/100 Dollars ($6,006.76), plus late charges.
11. GMAC sent Defendant a Notice of Default by letter dated November 16, 2006. A
true and correct copy of said Notice of Default is attached hereto as Exhibit "C" and incorporated
herein by reference.
12. Under the terms of the aforesaid Contract, Defendant agreed that in the event he
defaulted in any payment due thereunder, or failed to comply with any of the terms or conditions of
the Contract, and in the event it became necessary for the Seller or its assignees to institute a suit in
replevin for the Vehicle, Defendant agreed to pay all costs of suit and any reasonable attorney's fees.
13. GMAC has made repeated demands that Defendant make the payments agreed upon,
all to no avail.
14. The aforesaid Vehicle is presently in the control and custody of Kartic C. Dass, 125
N. Enola Drive, Enola, PA 17025.
15. Vehicles of this model and class have an average wholesale value of Six Thousand
Eight Hundred and 00/100 Dollars ($6,800.00).
3
WHEREFORE, GMAC prays that this Honorable Court enter judgment in favor of GMAC
and against the Defendant for:
a. Possession of the 2004 Chevrolet Cavalier bearing Vehicle Identification Number
1 G IJC52F94 7216865 or in the alternati ve, the market value of the car in the amount
of Six Thousand Eight Hundred and 00/100 Dollars ($6,800.00); and,
b. Reasonable Attorney's fees and legal expenses incurred by reason of the institution
of this action in replevin to repossess the aforementioned Vehicle; all as agreed to in
the Contract dated October 23,2003.
COUNT II
BREACH OF CONTRACT
16. Paragraphs 1 through 15 above are incorporated herein by reference.
17. Pursuant to the Contract, Defendant has defaulted by his failure and refusal to pay
installments in arrears, the sum of which (including late fees and unpaid charges) is Nine Hundred
Thirty-Three and 04/100 ($933.04) at this time and increasing monthly.
18. At all times material to this case, GMAC has fully and satisfactoril y conformed to and
complied with all terms and conditions required of it under the Contract.
19. Pursuant to the Contract, Defendant's default entitled GMAC to accelerate the
contract and demand that the Defendant pay all that is owed at once, a late fee equal to 2% of the
total amount of arrears, plus all other costs incurred in connection therewith.
4
20. To date, Defendant owes GMAC the approximate sum of Nine Hundred Thirty-Three
and 04/100 ($933.04), plus late fees and costs.
21. The Contract provides that in the event the Defendant did not make the agreed upon
monthly payments, resulting in a default under the Contract, and GMAC was required to employ an
attorney, the Defendant agreed to pay reasonable attorney fees and Court costs.
WHEREFORE, GMAC demands judgment in its favor and against the Defendant for:
a. The sum of Six Thousand Six and 76/100 Dollars ($6,006.76), plus a late fee equal
to 2% of the total amount of arrears and all other costs incurred in connection
therewith; and
b. Reasonable Attorney's fees and legal expenses incurred III connection with
installments in arrears; and
c. Any and all other relief which this court deems appropriate.
NAUMAN, SMITH, SHISSLER & HALL, LLP
P. Beneventano, Esquire
Supreme Court I.D. No. 43107
Brandon S. Williams, Esquire
Supreme Court LD. No. 200713
200 N. 3rd Street, 18th Floor
P. O. Box 840
Harrisburg P A 17108-0840
Telephone: (717) 236-3010
Facsimile: (717) 234-1925
Counsel For: GMAC
Dated: January 2,2007
5
VERIFICA TION
I, Elaine Sanchez, Semperian Agent for GMAC, being duly authorized to do so on behalf of
GMAC, hereby make the following statements subject to the penalties of 18 Pa. C.S. ~ 4904,
relating to unsworn falsifications to authority, and do state that the facts set forth in the foregoing
Complaint are true and correct to the best of my knowledge, information and belief.
zt~San~~
Elaine Sanchez
Semperian Agent for GMAC
Date: /"J-;) 9-00
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4105841678
PDP TITLE ADMINISTR
08:0517 a.m.
12 22 2006
5/8
RETAIL INSTALMENT SALE CONTRACT
~-'~~-_._'-'_, oealer~~._~.~~~~_ ~~-~'12-;;..o<l~.~]
Buyer (and Co-Suyer) - Name and addrp.ss (include counly and zip code) . Creditor (Seller name and address) .
KARTIC C DASS FORBES CHEVROLET, INC.
902 VALLEY STREET 3400 HARTlDALE DRIVE
ENOLA PA 1702~ CAMP HILL PA 17011
YO:J. tho l3uyer {and CO-SIJyer, if any),may buy Ih~ V9hiC'iedeSCtibed below for cash or on Credit. By signing iiliSCOriiraCt. YOuchoose 10 buy the vehicle en credit
~r.:::ar the agreementll or, the front and I)ack of this c:onl'acl. You agree 10 pay us, Ihe Credilor. the Amount Financed al~d Finan:;e Charga dl;wrdirlg to Lila
payment schedule shown below.
New or Used Year
NEW
Nit
CAVALIER
Year 1998
Make PONT I At
l~lJC~2F94721686S
MbdeJGRANDn~. 9
Vehicle IdentiflCatfo~ ~ ~r "~"Prima Use for Which Purc~ased
personal. fami!y, or household 0 agriCUltural
o business 0
Make and Model
Your trade-In I. a:
- --
FEDERAL TRUTH.IN.LENDlNGDISCLOSURES lnIurllce. You
ANNUAL FINANCE Amount TObII of Paymante T 0..1 hie Prloe this contract req
who Is acceptabl
PERCENTAGE CHARGE Financed The amount you · The total cost of other insurance t
RATE The dollar The amount of wUI havu paid after your purchase on not buy other i
The cost of your amount Ihe credit provided to you have made all credit, including approval process.
credit as a yearly credit wOl COlit you or on your payments as your downpayment
rate. you. behalf. scheduled. of $ F>11)(llIfl11 mm is If iUly Insurance
from the namlld
9,2 % . 2796. 8L . 11129.28 $ 13926.88 $- 19926.00 terms and condit!
Your Payment Schedule Win Be: Check the Inau
Number Amount When Payments Or as Opt
of Payments of Payments Ate Due Follows
bm $ ~_'l~. tOl Monthly beglmlng t t j'~~ JIIIl' o Credit Ute:
o Credlt Disabi
-
lItll Cbarg.. If a payment is not received in full within 10 days after itls due, you will pay a late charge. If the Premium:
vehicle Is a heavy commercial motor vehicle, the charge will be 4% of the part of Ihe payment that Is late. If the Credit Ute $
vehicle Is off-highway business or farm equlpmen~ the charge will be 5% of the part of the payment thaI is late,
Otherwise. the charge will be 2% per month of the part of the payment that Is late, figured based on a full Credit Dlsab
calendar month for any part of a month that Is more than 10 days late.
Pr.paym.at. If you payoff all your debt early, you may be entitled 10 a refund of part of the finance charge. N/A
Security Internt. You are giving a security interest In the vehicle being purchased.
:MdlflOIiII III'ormadan: See this contract for more information Including lnformatJon about nonpayment,
. . default, any reqUired repayment In full before the scheduled date, prepayment refunds and security interest N/Q .,
may buy the physical damage insurance
ulres (see back) from anyone you choose
e to us. You are not required to buy any
o obtain credit. Your decision to buy or
nsurance will not be a factor In the credit
IS checked belOW. policies or certificates
Insurance companies will describe the
ons.
ranee you want and algn below:
Ional Credit InauranCfl.
o Buyer n Co-Buyer
lity (Buyer Only)
ility $
N/A
N/A
(Insurance Company)
ITEMIZATION OF AMOUNT FINANCED
'1 Cash price (Including any aocesaorles, services, and taxes)
'2 Total down a 8nt = If n five enter .0' and.... linQ 4H'bolow
!..... Gross trade.ln $ . -payoff by sen'r S N/A
,i = net trade-in $ 2010. 00 _ + cash $ N/A
,.. + olher (describe) REBATE $ 4000. 00
3 Unpaid balance of cash prfr.e (1 minus 2) ____ _
., ; 4 Other charges Including amounts paid to others on' your behalf (Seller may
. keep part of these amounts.):
A Cost of optional credit Insurance paid to the Insurance
company or companies
Ute Term N/A $ N/A
Disability Term N/A $ N/A
B Other Insurance paid to the insurance company
(describe) N/A Term N/A
C Official fees paid to govemment agencies
. D Government taxes not included In cash price
E Govemment Ucense and/or registration fees
(Home Offrce Address)
$ IG393~00 (1)
Credit' life Insur~ aAd' C~edlt disability Insurance
are not required to oblaln credit. Your decision to
buy or not buy credit life insurance and credit
disabUity insurance will not be a factor In the credit
approval process. They will. nor bePtovi~ unless
you sign and- agree to pay.the eXtra cost Credit life
. insurance and credit disability insurance are for the
term of this contract unless a different term for the
insurance is shOwn below,
$ 6000. 00 (2)
$ 10J9:i. ee (3)
Other Insurance.
o N/A
N/A
Term
$
N/A
Type of Insurance
Premium $ N/ A
$
$
$
N/A
N/A
623.70
N/A
(Insurance Company)
$ 6.00
F Government certificate of tiUs fees
(Includes $ 5. 00securlty Interest reCOrding fee) $ 27.50
G Other charges (Seller must IdenUfy who Is paid and
describe purpose.)
to DEALER tor DOC FEE: $ 55.00
to COMM OF PA forTIRE TAX S 5.00
to for $ N/A
to for $ N/A
In rnMM n~ 00 f....nt.l I rM&:' &:'&:'&:' <t 14 IlIIlI
(Home Office Address)
I want the insurance checked above.
X
Buyer Signature
10/23/03
Date
X
CO-Buyer Signature
10/23/03
Date
4105841678
. .
1 Cash price (Includlng any acceuories, services, and taxes)
2 Total down a ent = If ne alive enter .0. and see line 4H below
Gross trade-In S . -payoff by seller $ NI
= net trade-in $ 2000. 0e + cash S N/A
+ other (describe) REBATE $. 4000.00 $ 6000.00 (2)
3 Unpaid balance of cash prl~~.!T1lnus.~)n___ ___-$ 10J95. 00 (3)
4 Other charges including amounts paid to oUlers on your behalf (Seller may
keep part of these amounts.):
A Cost of optional credit Insurance paid to the Insurance
company or companies
ute TermN/A $ N/A
DIsabIlity Term N/A S N/A
BOther Inaul8l1Ce paid to the Insurance company
(describe) N/A Term N/A
C Oftlclal fees paid to govemment agencies
D Goven'ment taxes not included In cash price
E Govemment license and/or registration fees
P DP TITLE ADM INIS TR
F Government certlllcate of title fees
(includes $ 5. 08iecurlty Interest recording fee) $
G Other charges (Seller must identify who Is paid and
describe PUIJ)088.)
to DEALER forDOC FEE s
loCO"'" OF PA forTlRE TAX s
to for $
to for $
to COHH OF PA torON LINE FEE $
to DEALER for ON LINE FEE $
H Net trade- tn payoff to S
Total other charges and amounts paid to others on your behalf
5 Amount flnariCed (3 + 4)
6 Finance charge
7 Total of payments - lime balance (5+6)
08:05:51 a m.
12 22 2006
6/8
$ 1639~. 00 (1)
Credit life Insurance and credit dIsability Insurance
are not required to obtain credit Your decision to
buy or not buy credit life insurance and credit
disability insurance will not be a factor In the credit
approval process. They will not be provided unless
you sign and agree to pay the extra cost. Credit Ufe
Insurance and credit disability Insurance are for the
lerm of Ihis conlract unless a different term for the
insurance is shown ~erow,
Other Inaurance.
$
N/A
o N/A
,_N/A
Tenn
Type of Insurance
N/A
$
$
$
Premium $
N/A
N/A
623.70
N/A
(Insurance Compan)'} .
$
6.00
(Home OffIce Address)
27.50
I want the insurance checked above.
55.90
5.00
N/A
N/A
14.00
3.00
N/A
X
Buyer Signature
10/23/03
Dafe
x
Co-Buyer Signature
10/23/03
Date
$ 73".20 (4)
S 11129. 21 (5)
$ 2796. 80 (6)
$ 13926. 00 (7)
ANY INSURANCE REFERRED TO IN THIS
CONTRACT DOES NOT INCLUDE COVERAGE
FOR PERSONAL LIABILITY AND PROPERTY
DAMAGE CAUSED TO OTHERS.
I" you do not meet your oontractual Obliptlona, you may loae your motor vehicle.
tmw THIS CONTRACT CAN BE CHANGED. This contract contains the entire agreement between you and us relating to this contract. Any change to the
::XJntJ'act must be In 1{~ it. No oral changes are binding.
Buyer Signs X . Co-Buyer Signs X . .
If any part of this contract Is not valid, all other parts s~y yaUd. We may ~lIlyC)r refraln from enforcing any of our rtghts under this conlract without losIng them.
For example. we may extend the time for making some payments without extending the time for making others.
See back for other Important agreementa.
Do not algn thl. contract on a Sunday.
Notice to Buyer.
You are entitled ,to an exact copy 01 the coritract you sign. Keep
10/23/03 Co-BuyerSlgns X " ) A- Date 10/23/03
Co.8uVlrllnd OIlier nen - A CO-buyer is a person who is responsible tor paying the entire deDt. An other owner Is a person whose name is on the lille 10 the vehicle but does
not have to pay tho debt The co-buyer or other owner knows that we have a security Interest in the vehicle and consents to the security Interest
Other owner signs here X Dale 10/23/03 Address
CredllorSlgns X FORBES CHEVROLET, INCeale 10/23/03 ByX ~ -l/d,..-& ~
~.Jou agree tp the terms of this cootra~t. You confirm that before YOU sianed this cpntdract, we g"ve,it
::i), YOP..1 and YOhU were fr.ee te) .take .t and review It. You confirm t a'l you receive a complete y
.. ~I Efd-'n copy.W en s ea It. I }
}uyer Signs X . Date 10/23/03 Co-Buyer Signs X AI I+- Dale 10/23/03
I Seller assigns ils interest in this contract to General Motors Acceptance Corporation (GMAC) under the terms of the GMAC Retail Plan agreement.
I
I ,. Assigned with recourse Assigned without recourse or with Ii ited recourse
ORBES CHEVROLET, INC.
SeUer By TIlle Seller
~1 09 PA 812003 (For Use in the State of Pennsylvania) (1 of 4) Notice: See Other Side
';opyrlght 2001 General Molors Acceptance Corporation. All Rights Reserved.
-; ~
Title
\. !li(;!t".\L
4105841678
POP TITLE AOMINISTR
, OTHER IMPORTANT AGREEMENTS
,.
.f-fV1. YOUR OTHER PROMISES TO US
E' .. It the vehicle I. damaged, Clatroyed, or ml..lng. You agree to pay
us all you owe under this contract even if the vehicle Is dama~,
destroyed, or missing. '
b. U.lng the vehIcle. You agree nol to remove the vehicle from the U.S.
or Canada. or to sell, rent, lease, or transfer any interest In the vehicle
or this contract withOut our written permission. You agree not 10 expose
the vehicle to misuse, seiZUre, confiscation, or involuntary transfer. "
we pay any repair bHIs, storage bills, taxes, fines. or charges on the
vehicle, you agree to repay \he amount when we ask for It
c. SecurIty Inter..t. You give us a security Interest In:
1. The vehk:le and BII parts or goods Ins1aI\ed In it;
2. All money or goods received (proceeds) for the vehicle;
3. All Insurance, malnten&nCe, 58fVice, or other contracts we finance
for you; and
4. All proce8da from Insurance. maintenance, ..rvlce, or other
COlltracts we finance for you. this Includes any refunds of
premiums or charges from the contracts.
This secures payment of all you owe on this contract n also secures
" your other aoreements In this contract. You will make sure the title
:/ shows our security Interest (Hen) In the vehicle.
,n d. Inaurance you muat have on the vehicle. You agree to have physical
damage Insurance covering loss or damage to the vehicle for the term
of this contract. The Insurance must cover our interest In the vehicle. If
you do not have this Insurance. we may, If W8 decide, buy physloal
damage Insurance. If we decide to buy physical damage Insurance,
we may buy Insurance that covers your Interest and our Interest In the
vehlde. If we buy this Insurance, we will tell you the charge you muSt
pay. The charge will be the premium for\t1e Insurance and a f1n~
charge at the highest rate the law permits... .
If the vehicle Is lost or damaged, you agree that we may use any
insurance settlement to reduce whal you owe or repair the vehicle.
e. Wh.t hllJipena 10 returned Insurance,' ....lnten.nCe, """ce, or
other contr.ot charge.. If we get a refund of iOSURlllC8, maintenance,
service, or other contract chargeS. you agree that _ may apply the
refund and the uneamed finance charges on the refund to what you
OW8.
2. YOU MAY PREPAY IN FULL
You may prepay all of your debt and ge1 a refund of part of the Finane'e
. Charge.
'.~ How we will calculete your Finance Chllrge refund. We will figure !he
Ii refund by the Actuarial Method using the payment dates In this contract,
except that you will pay at least $10 of total finance charges. We wi. not
pay you a refund If It Is less than $1.
=-. IF YOU PAY LATE OR BREAK YOUR OTHER PROMISES
a. You may owe late Char,... You will pay a lale charge on eaCh lale
payment as shown on the fronl. Acceptance of a late payment or late
charge does not excuse your late payment or mean that you may keep
making late payments. If you pay late, we may also take the steps
described below.
b. You may have to pay all you owe at once. If you break your
promises (default), we may demand that you pay all you owe on this
contract at once. Default means:
1. You do not pay any payment on time;
2. You start a proceeding In bankruptcy or one Is started against you
or your property; or
3. You break any agreements in this contract.
08:06:103.m
1 2 22 2006
7/8
.... '") ~
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e. We may take the vehicle from you. If you default, we may take
(repo888$S) the vehicle from you If we do so peacefully and the law
allows it If your vehicle has an electronic tracking devlce, you agree
that we may use the device to find the vehicle. If we take the vehicle,
anyaccessones, equipment. and replacement pWts will staY_with the
-vehicle. If. any personal. items are in the vehicle, we may store them for
you at your expense. If you do not ask for these Items back. we may
dispose of them as the law allows.
f. How you can get the vehlcl. blcJc If we take It. If we repossess the
vehicle, you may get It back by paying the full amount you owe us (not
Just pest due payments), InclUding expenses (redeem). We will taU you
how much to pay to redeem. Your right to redeem enda when we sell
the vehicle.
If we IlIpossess the vehicle, we may, at our opllon, allow you to get the
veh/de back before we sell It by paying all past due payments. late
charges, and expenses (reinstate).
g. W. will aell the vehicle " you do not get It blck. If you do not
redeem, We wi sell the vehicle. We will send you a written notice of
sale before selling the vehicle.
We win apply the money from the sale. less allowed expeoses, to the
emouot you owe. Allowed expenses are expenses we pay as a direct
result of taking the vehicle, holding it, pr&palfng n for sale, and selling It
ReaSonable attorney fees and court costs the law permlta are also
aIlQW8(hxpenses.1f any money.ls left,(surplus), we Wi' pay It to you. If
IY1<ltle, from the sale Is not enough to pay the amount you owe, you
must pay the rest 10 us. If you do ~ pay this amount when we ask, we
may charge you interest.at the t:lIghest lawful rate untfl you pay.
h. What - may do about optlona' Ineurance, malnten.nce, aervlce,
or other contracts. This contract may contain. charges for optional
insurance, maintenance, service, or other contracts. If w. reposse88
'Ihe,vehlcle, we may claim 'benefits uncler these conti'acts and cancel
them to obtain rafund. of unearned charges 10 reduce what you owe or
repair the vehicle. If the YehIcIe I. a totallo!ss bec8uselt Is confiscated. . '
damaged, 0/" SfOIen, '.we may ClaIm benefits unde;tti8.. contracts 8nd
cancel them to obtain refunclaof unearned chal'gea to reduce what you
owe.
4. WARRANnES SELLER DISCLAIMS
The following paragraph does not affect any wananties covering the
vehicle that the vehlcle manufacturer may provide. The foRowing
paragraph also does QQ1 apply at alllf you bought the vehicle primarily for
parsonal, family, or household use.
Un.... the Seller makea a written warr.nty, or enter. Into. service
contrllC1 within 90 days from the date of this contract, the Seller
make. no warrantl.., expre.. or Implied, on the vehicle. and there
will be no Implied werrantlea of merchantability or of f1tn... for a
particUlar purpose.
5. Uaad Car Buyer. Guide. The Information you ... on the window
form for thla v.hlcle la part of thl. contract. InformatIon on the
window form ovarrld.. any contrary provision. In the contract of
.....
Spanish Translation:
Gura para comprador.. de vehrouloe UNdo.. La InformacIOn que ve
en ., formularlo de I. ventanllla par. e.te vehfculo forma parte del
prea.nt. contrato. La Inform8elftn .....1 '...,...,,1.,... _ J. .__0__1"_ "'_,_
4105841678 PDP TITLE ADM INISTR
cnarge at me rngnest rate the law pennits.
If the vehicle is lost or damaged, you agree that we may use any
, insurance setUemeot to reduce what you owe or repair the vehicle.
e. What happeM to returned Insurllnee, maintenance, service, or
other oontraot charg... If W8 get a refund of Insurance, maintenance,
service, or other contract charges. you agree that we may apply the
refund and !he uneamed finance charges on the refund to what you
owe.
2. YOU MAY PREPAY IN FULL
You may prepay all of your debt and get a refund of part of the Finance
Charge.
How we will c.lcu.... your Fln.nce Charge refund. We wlU figure the
refund by the Actuarial MethOd using the payment dates in this contract,
except that you will pay at least $10 of total finarlce charges. We win nol
pay you a refund If It Is less Ihan $1.
3. IF YOU PAY LATE OR BREAK YOUR OTHER PROMISES
.. You may owe late charge.. You will pay a late charge on each rate
payment as shown on the front. Acceptance of a late payment or late
charge does not excuse your late payment or mean thaI you may keep
making late payments. If you pay late, we may also taKe the steps
descr1b8d below.
b. You may have to pay all you owe at one.. If you' break your
promises (default), w8,I'I'IaY demand that you pay all you owe on this
contract at once. Default means:
1. You do not pay any payment on Uma;
2. You start a proceeding In bankruplcy or one Is Slaned against you
or your property: or
3. You break any agreements In this contract.
In figuring what you owe, we will give you a refund of part of the
Finance Charge as If you had prepaid In fun.
c. You may have to pay collection coata. " we hire an attorney to
collect what you owe. you will pay the reasonable attorney's fee and
court costs. as the law allows.
d. Summary Notlea A-uardlnSl Prepayment and Relna"tement. You
can prepay all of your debt and get a refund of the Finance Chatge. If
you default and we repossess the vehicle, we may, at our option. allow
you to get the vehicle back before we &en It by paying ail pul due
payments, late c:harges. and expenses(relnstate).
08:06:54 a.m.
1 2 22 2006
8/8
h. What we may do about optional In.urenee, maintenance, aervlce,
or other contracta. This contract may contain charges for optlona
Insurance. maintenance, service, or other contracts. If we repossess
the vehicle, we may claim benefits under these contracts and cancel
them 10 oblain refunds of unearned charge. to reduce what you ow. 01
repair the vehicle. If the vehicle Is a tota/Ioss because It Is confiscated.
damaged, or stolen, we may claim benefits uncler Ihese contracts and
cancel them to obtain refunds of unearned charges to reduce what you
owe.
4. WARRANTIES SELLER DISCLAIMS
The following paragraph does not affect any warranties covering the
vehicle that the vehicle manufacturer may provide. The following
paragraph also does !!21 apply at all if you bought the vehicle primarily for
personal, family, or household use.
Un I... the Seller makes a written warranty, or anters Into a service
contract within 90 day. from the date of thla contract, the Seller
make. no WlII'...ntle., 8xpre.. or Implied, on the vehicle, and there
will be no ImpUed warranllea of merchantability or of fltn... for a
particUlar purpose.
5. u_ C. Buy.... GuIde. The Information you ... on the window
form for this vehicle Ie part of thla contract. Information on the
window form overrld.. any contrary pt'ovlalon. In the contr.:t of
.....
Span"" Tranalatlon:
Gufa pwa compradorea de vehlculoe uaados. La InformacIOn que va
en eI formularlo de .. ven"nU" patII .... vehfculo forma pa.... del
prenme conU'ato. La Informacl6n del formu"rfo de.. ventanll" deja
aln .fecto tode dlapoelol6n en contrarlo con"nlde en .. contralO de
ven...
8. APPUCABLE LAW
Federal law and Pennaylvanla law apply to this contract
HOTlCE: ANY HOLDER OF THIS CONSUMER CREDIT CONtRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH
THE DEBTOR COULD ASSERT AGAINST THE SELL~ OF, GOODS OR SERVICES OBTAINED PURSUANT
HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED
AMOUNTS PAID BY THE DEBTOR HEREUNDER.
PDP TITLE ADMINISTR
08:03:40 a,m.
1 2 22 2006
I I I
C~~TIFICATE OF TITL~,FOR~ V.~.t!JS:LE
,OS?
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COCKEVSVIlLE NO i!lDlO'
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ALLEN OIIEHLER'
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CITY STATe .
V FINAHCW. INIITITlJTION HUlMEA
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4105841678 POP TITLE AOMINISTR 08:04:23 a.m. 12222006
. (TYP.E OR PRINT) CertJficale of Tille must.be aubmlttlld wilhln 20 days, unless the PUlChaser l8 a registered dealer holding the vehicle few resale,
'~+ WARNING. FEDERAL AND STATE LAWS REQUIRE THAT YOU STATE THE MILEAGE
(ODOMETER READING) IN CONNECTION WITH THE TRANSFER OF OWNERSHIP.
FAILURE TO COMPLETE OR PROVIDING A FALSE STATEMENT MAY RESULT IN
FINES AND/OR IMPRISONMENT.
4/8
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IMPORTANT NOTICE
Please be advised that In lieu of notarization on thIs form. verification of a person's
signature by an I.sulng agent who Is flcensed as a vehicle dealer by the Pennsylvania
State Board of Vehlcl. Manufacturer.; Dealers and Salespersons. or Its employee Is
acceptable. The signature and prlntect name of the IssuIng agent or the Issuing agent'.
employee. date of verification, the ISSUing agentJIlcensed d.al....hlp.s deal.r Identifi-
cation number (DIN) and business na~. must be listed In the space provided for
notarization. Vehlcl. seller and purchaser must sign only. In the presence of an officer
.mpowered to administer oaths or an 'authorized agent as Identified above.
,.
.
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SUIl8CRI8ED AND SWORN
TO BeFORE ME:
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C. OCHECK Hi:RE IF APPLICATION FOR DEALER TTTLE';AND QOMPLErE SEcn~ D. nTUNQ FEES'
~a.F.llQl(l{l ~....,llUJ."", .~Ul..."
. ....,. . .
Attorneys At Law
Please reply to
P. O. Box 840
Harrisburg, PAl 71 08-0840
Guy P. Beneventano. Esquire
Guyobenny@nssh.com
November 16, 2006
Via Certified Mail No. 7005 0390 0002 9075 9705
and Re2Ular Mail
Mr. Kartic C. Dass
p.o. Box 245
Enola, P A 17025
In re:
GMAC Account #020-9047-20404
2004 Chevrolet Cavalier
Dear Mr. Dass:
Please be advised this office represents GMAC and in that connection, your overdue and
delinquent account has been referred to this firm for advice and the appropriate action if not
resolved promptly. This letter is an attempt by GMAC to collect a debt, and any information
obtained from this letter will be used for that purpose.
GMAC has advised you that under the terms of a Retail Installment Sale Contract, you
are delinquent in paying the August, 2006, payment in the amount of $204.26, and the September
and October, 2006, payments in the amount of $232.10 respectively, plus late charges in the
amount of $27.84 for a total delinquency of $696.30.
Unless you dispute the validity of the debt described above within seven (7) days of the
date of this letter. we will assume that the debt is valid. If you notify us within seven (7) days
that the debt is disputed, we will obtain further verification of the amounts owed and mail such
verification to you.
Pursuant to the terms and conditions of the Retail Installment Sale Contract with GMAC
that you signed, you are hereby called upon to cure the default by paying the sum of $696.30
within seven (7) days of the date of this notice. Please be advised that GMAC reserves the
right to pursue all of its rights and remedies as indicated by the Retail Installment Sale
Contract, which may include repossession of the vehicle. You are also called upon to pay the
attorneys' fees incurred by GMAC in connection with your default. Specific information
concerning these attorneys' fees will be provided to you after GMAC's receipt of the total
delinquency.
Superior analY0is, Effective 0olution0. S incel871,
Nauman Smith Shissler & Hall. LLp. 200 North 3rcl Street. Harrisburg. PA 17101 . 717.23().:~O1O. fax: 717,234,HJ25. www,nssh,cum
Kartic C. Dass
November 16,2006
Page 2
If you fail to cure the default, GMAC will declare the entire amount you owe under the
Contract IMMEDIATELY DUE AND PAYABLE. YOU MAY CONTACT GMAC FOR THE
TOT AL AMOUNT DUE.
If you wish to correspond to GMAC directly please contact:
GMAC
Attn: J. Buffington
P. O. Box 410688
Charlotte, NC 28241
You may also call J. Buffington at GMAC at 704-357-7084.
If you do not dispute the validity of the debt or otherwise promptly make the delinquent
payments, then, GMAC will exercise its remedies, including (but not limited to) filing a lawsuit
against you for the repossession of the 2004 Chevrolet Cavalier and for breach of contract. If
GMAC is forced to file a lawsuit against you, it will seek payment of the entire amount you owe
under the Contract.
I trust you will act to pay the delinquent payments, and thus avoid the expense and
embarrassment of such litigation.
Respectfully yours,
/7~"
~Guy P. Beneventano
GPB/sb
cc: J. Buffington
GMAC
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NAUMAN, SMITH, SHISSLER & HALL, LLP
Guy P. Beneventano, Esquire
Supreme Court I.D. No. 43107
Brandon S. Williams, Esquire
Supreme Court LD. No. 200713
200 N. 3rd Street, 18th Floor
P. O. Box 840
Harrisburg P A 17108-0840
Phone: (717) 236-3010
Fax: (717) 234-1925
GMAC,
Plaintiff
Counsel For: GMAC
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY,
: PENNSYL VANIA
: NO. 07, It.,
v.
: CIVIL ACTION - LAW
KARTIC C. DASS,
Defendant
: ACTION IN REPLEVIN
PRAECIPE FOR ENTRY OF APPEARANCE
Please enter the appearance of Guy P. Beneventano, Esquire, and Brandon S. Williams,
Esquire, as Attorneys for GMAC, the Plaintiff in the above captioned case.
NAUMAN, SMITH, SHISSLER & HALL, LLP
P. Beneventano, Esquire
Supreme Court LD. No. 43107
Brandon S. Williams, Esquire
Supreme Court LD. No. 200713
200 N. 3rd Street, 18th Floor
P. O. Box 840
Harrisburg PA 17108-0840
Telephone: (717) 236-3010
Facsimile: (717) 234-1925
Counsel For: GMAC
"
Dated: January 2, 2007
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NAUMAN, SMITH, SHISSLER & HALL, LLP
Guy P. Beneventano, Esquire
Supreme Court LD. No. 43107
Brandon S. Williams, Esquire
Supreme Court LD. No. 200713
200 N. 3rd Street, 18th Floor
P. O. Box 840
Harrisburg P A 17108-0840
Phone: (717) 236-3010
Fax: (717) 234-1925
GMAC,
Plaintiff
Counsel For: GMAC
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, P A
v.
: NO. 07-16 Civil Term
Defendant
CIVIL ACTION - LAW
ACTION IN REPLEVIN
KARTIC C. DASS,
PRAECIPE
TO THE PROTHONOTARY:
Please enter judgment in favor of the Plaintiff, GMAC, and against Defendant, Kartic C.
Dass, for failure to plead to the Complaint in this action within the required time. The Complaint
contains a Notice to Defend within twenty (20) days from the date of service thereof. Defendant was
served with the Complaint on January 5, 2007, and an answer was due on or before January 25,
2007.
Attached as Exhibit "A" is a copy of Plaintiffs written Notice ofIntention to File Praecipe
for Entry of Default Judgment which I certify was mailed by regular mail to the last known address
of Kartic D. Dass, which is at least ten (10) days prior to the filing of this Praecipe.
Please enter judgment pursuant to Pa.R.C.P. 103 7(b), 1071 and 1084 for possession of a 2004
Chevrolet Cavalier, VIN 1GIJC52F947216865, and for $6,006.76, plus costs, for failure of the
Defendant, Kartic C. Dass, to file an Answer to Plaintiff s Complaint within twenty (20) days of
service thereof.
NAUMAN, SMITH, SHISSLER & HALL, LLP
,~-~
P. eneventano, Esquire
upreme Court LD. No. 43107
200 N. 3rd Street, 18th Floor
~
P. O. Box 840
Harrisburg P A 17108-0840
Telephone: (717) 236-3010
Facsimile: (717) 234-1925
Counsel For: GMAC
Dated: February 9,2007
Exhibit "A"
N.aUUlaIl Smitll
Attorneys At Law
Please reply to:
P. O. Box 840
Harrisburg, PAl 7108-0840
Guy P. Beneventano, Esquire
Guypbenny@nssh.com
January 29, 2007
Kartic C. Dass
125 N. Enola Drive
Enola, P A 17025
RE: GMAC v. Kartic C. Dass
No. 07-16 Civil Term
GMAC Acct. No.: 020-9047-20404
Our File No.: 9768-1440
Dear Kartic C. Dass:
Enclosed herewith is our Notice to you that you are in default because you have failed to take
action in the above-captioned matter. Unless action is taken within ten (10) days, we will file with
the Prothonotary of Cumberland County our Praecipe to Enter Judgment.
Sincerely yours,
. A72?~~
~---iuy P. Beneventano
GPB/sm
Enclosure
cc: GMAC
Superior analysis. Et't'ective solutions, Since Jil7J
\Iauman Smith Shissler & Hall, LLP · :200 \Iorth 3nj Strr~et 9 I1mrisburg. PA J7101 .717.236.3010' fax: 717,:234,1025. www,l1ssh,com
NAUMAN, SMITH, SHISSLER & HALL, LLP
Guy P. Beneventano, Esquire
Supreme Court I.D. No. 43107
Brandon S. Williams, Esquire
Supreme Court I.D. No. 200713
200 N. 3rd Street, 18th Floor
P. O. Box 840
Harrisburg P A 17108-0840
Phone: (717) 236-3010
Fax: (717) 234-1925
GMAC,
Plaintiff
Counsel For: GMAC
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, P A
v.
: NO: 07-16 Civil Term
KARTIC C. DASS,
Defendant
CIVIL ACTION AT LAW
IMPORTANT NOTICE
TO: Kartic C. Dass
DATE OF NOTICE: January 29, 2007
YOU ARE IN DEF AUL T BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
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 (l 0) 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 LA WYER 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 COWIty Bar Association
32 S. Bedford Street
Carlisle, P A 17103
Telephone: (717) 249-3166
NAUMAN, SMITH, SHISSLER AND HALL
/.~ ? K ~,
By: /?~ /. ..,.1_ _______ (~
G6yP. Beneventano, Esquire
Supreme Court ID# 43107
200 North Third Street
P.O. Box 840
Harrisburg, PA 17108-0840
Telephone: (717) 236-30 I 0
Facsimile: (717) 234-1925
Counsel for: GMAC
Date: January 29, 2007
..
CERTIFICATE OF SERVICE
I hereby certify that on the date listed below I served a copy of the foregoing Notice by
depositing in U.S. First Class Mail a copy of same addressed as follows:
Kartic C. Dass
125 N. Enola Drive
Enola, P A 17025
- ~j)'l,,[ (~I j(--f
Sherry A. May; Paralegal to //
Guy P. Bene-J'entano, Esquirk'
Dated: January 29, 2007
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NAUMAN, SMITH, SHISSLER & HALL, LLP
Guy P. Beneventano, Esquire
Supreme Court LD. No. 43107
Brandon S. Williams, Esquire
Supreme Court LD. No. 200713
200 N. 3rd Street, 18th Floor
P. O. Box 840
Harrisburg PA 17108-0840
Phone: (717) 236-3010
Fax: (717) 234-1925
GMAC,
Plaintiff
Counsel For: GMAC
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
vs.
: No. 07-16 Civil Term
KARTIC C. DASS,
Defendant
ACTION IN REPLEVIN
NOTICE OF JUDGMENT
TO: KARTIC C. DASS
You are hereby notified that on :r ~ c. ~ 1..1
has been entered against you in the above captioned case:
, 2007, the following judgment
Judgment in favor of Plaintiff, GMAC, and against Defendant, Kartic C. Dass, as follows:
Possession of the 2004 Chevrolet Cavalier bearing Vehicle Identification Number
IGIJC52F947216865, and for judgment in the amount of $6,006.76, plus interest, late fees,
reasonable attorney fees, costs of collection, costs of repossession, costs of storage and all other
charges as provided in the contract or as provided by law, and increasing monthly.
Judgment was entered pursuant to Pa. R.C.P. 1047 for failure of Kartic C. Dass to file a
response to GMAC's Complaint twenty (20) days of service thereof.
f~
I hereby certifY that the proper person(s) to receive this notice under Pa. R.C.P. 236 is:
Kartic Dass
125 N. Enola Drive
Enola, P A 17025
,
,
~
NAUMAN, SMITH, SHISSLER & HALL, LLP
Rj?~
y P. Bene~ntano, Esquire
Counsel for GMAC
Dated: February 9, 2007
CASE NO: 2007-00016 P
SHERIFF'S RETURN - REGULAR
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
GMAC
VS
DASS KARTIC C
RONALD HOOVER
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - REPLEVIN
DASS KARTIC C
DEFENDANT
was served upon
, at 1351:00 HOURS, on the 5th day of January
at 125 N ENOLA DRIVE
ENOLA, PA 17025
KARTIC C DASS
by handing to
a true and attested copy of COMPLAINT - REPLEVIN
the
2007
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
Sworn and Subscibed to
before me this
of
18.00
13.20
.00
10.00
.00
41 .2 oj
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1#': l)~
day
So Answers:
r~~<~
R. Thomas Kline
01/08/2007
NAUMAN SMITH SHISSLER & HALL
BY:~~
DepU~Sheriff
A.D.