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Home My WebLink About94-06374 I, " I," ,I , " I, I, "" 't.,1 "~I .\- r I" I,: I ",\,~, r~ j":" ;'.:.j -,-I 'I; I , I I' '" 'I' 't, ',I, I " 'I), I' I I I' Ii,' " " 'I' 'I' I' " '.1' , ~ .. '. ., }' I ,I '.11 ,1",-' " I " , ,I' " , ,I '.1, I , " " , ',. " I') " I " 1/ , " " 'r' "; , " "., '.....' I, i , \~I. gl" ilf' "1M, ' A\:-\i 'I'" i\ ~ " ('. f , " I 'I I,,'! , ',1 () GENERAL MOTORS ACCBPTANCE CORPRATION, P1aintiff . . IN THE COURT OF COHHON PLEAS aM!i2lIAND COUNTY, PENNiJYL VANIA : : : CIVIL ACTION - LAW v. : LEONARD H. CRAMER, Jr., Buyer : a~d MARY E. CRAMER, Co-Buyer, : NO. 94-6374 Civil 'hrm : Defendant s : P R A~g_IP f. TO THE PROTHONOTARY: P lease mark the above CI!J~t ioned matt/Jr as .at ;.f;ed, settled and discontInued. RESPECTFULLY SUBHITTED: DA ~E ~.{J.,; /1 \' ., . . ., ~~/ ~~~ ".~ '-"-,~ A rHeR '.... Ktt C. ESQUIRE 4201 Crums Hill Road P.O. Box 67015 Harrisburg, PA 17106 (717) 540-5610 SUPREHE COURT NO. 07207 ATTORNEY FOR PLAINTIFF t }. " . . GENERAL MOTORS ACCEPTANCE CORPORATION, P1alntiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PENNSYLVANIA V. LEONARD H. CRAMER, JR., Buyer and MARY E. CRAMER, Co-Buyer, Oefendants CIVIL ACTION - LAW NO. NoncIA Le han demandado a usted en 1 a corte. 5i usted QU i ere defenderse de estas demand as expuestas en 1as paginas siguientes, usted tiene Vlente (20) dias de p1azo a1 partir presentar una apar,encia escrita 0 en persona 0 por abogado y archivar en 1a corte en forma escrita sus defensas 0 sus objeciones alas demandas en contra de su persona. Sea avisado que S1 usted no se defiende. 1a corte tomara medidas y puede entrar una orden contra usted sin previa aviso 0 notlflcaclon y por cualouler queja 0 a1ivio oue es pedido en 1a petlc'JOn de demanda. Usted puede perder dinero 0 sus prop,edades 0 otros derechos lmportantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIE~JE ABOGADO 0 51 NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL 5ERVICIO. VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA E5CRITA ABAJO PARA AVERIGUAR DONDE SU PUEoe CON5EGUIR A5ISTE~IA LEGAL: l .. I,ll ~ \. Respectfully subm'cted: ~I\ \ \ \ \ II .\.",>L..I/ j. \~,\ r)l~ I I I.'} \ '2.:.. 3 'jr~ ~1 [ \.. l ill) ~"IC~ ( L( C Dated: 11-1~(N OJNlaAL MOTOR8 aCCJPTAHCI CORPORATION, Plaintiff IlK THI COURT OF CONHON PLaA8 I CUMBlllLUD COUJlTY, I PIIDl8YLVAHIA I ICIVIL aCTION - LAW I IlfO. andl I I V. LJOlfARD H. CRANIR, JR., Buyer MARY I. CRANIR, co-Buyer, Defendant. COM P L A I N T AND NOW comes the Plaintiff by and through its attorney Arthur A. Kusic, Esquire and respectfully represents the following: 1. Plaintiff, General Motors Acceptance corporation (hereinafter uGMACU), is a New York corporation having offices throughout the united states and having an office within this area at 2407 Park Drive, P.O. Box 2451, Harrisburg, Dauphin County, Pennsylvania. 2. Defendant, LEONARD H. CRAMER, JR. is an adult individual residing at 318 Charles Road, Mechanicsburg, Cumberland County, Pennsylvania. 3. Defendant, MARY E. CRAMER is an adult individual residing at 318 Charles Road, Mechanicsburg, Cumberland County, Pennsylvania. 4. On or about May 7, 1993, Defendants entered into a Retail Installment Sale contract (hereinafter "ContractU) with Rule Chevrolet, Inc. located at l60l Ritner Highway, Carlisle, Cumberland county, Pennsylvania, for the purchase of a 1992 Chevrolet G25 conversion bearing Manufacturer I s Serial No. lGBEG251(8N7114399 (hereinafter "vehicle") for a net purchaee price . and finance charges in the amount of Thirty-Six Thousand Five Hundred and Thirty-Eight 86/100 ($36,538.86) Dollars. A copy of the Contract is marked as Exhibit "A", is attached hereto and it. contents are incorporated herein by reference. 5. At all times pertinent hereto, plaintiff is the assignee 01' Rufe Chevrolet, Inc. See the aforesaid Exhibit "A." 6. Pursuant to the express terms of the Contract, Defendants agreed to pay the monthly amount due under the Contract, to wit: Five Hundred and Fifty-Seven and 61/100 ($557.61) Dollar. in Sixty (60) monthly installments, commencing June 7, 1993 and payable on the same day of each succesuive month thereafter until the total purchase amount of $36,538.86 became paid in full in 1998. 7. Defendants have defaulted in their legal obligation to GMAC pursuant to the Contract, by failing to make the agreed upon payments. 8. Pursuant to the provisions of the contract, GMAC recovered the vehicle on or before November 9, 1993 and gave Defendants notice of the right to cure in accordance with law. copies of said notices sent to the Defendants I residence via certified mail are attached hereto, made a part hereof and marked Exhibit "B". 9. Because Defendants failed to avail themselves of their right to cure, Plaintiff sold the vehicle at a private auction. 10. After applying the net proceeds from the sale to Defendants I account there rema ined a def iciency balance in the ,. amount of Eleven Thousand One Hundred and seventy-Nine and.74/100 ($11,179.74) Dollars. As evidence whereof, a copy of the statement evidencing the deficiency balance along with copies of Plaintiff'. correspondence to Defendants are attaohed hereto, made a part hereof and marked Exhibit "C". 11. plaintiff has made demands upon Defendants for the balance due, which demands remain unheeded. 12. Pursuant to the terms of the contract, Defendant. agreed to pay reasonable attorney fees and court costs in the event that plaintiff forwarded the matter an attorney for collection. 1~. plaintiff avers that the amount due and owing does not exceed the jurisdictional amount requiring arbitration referral by local rule. WHEREFORE, Plaintiff prays your Honorable Court to enter Judgment in its favor and against Defendants in the amount of $11,179.74 along with interest at the rate of 6' per annum, reasonable attorney's fees and the costs of this proceeding. RESPECTFULLY SUBMITTED: -]. . / ", J ,-:/ . / ART UR A. S C, 4201 C>:,ums Mill P.O. Box 67015 Harrisburg, PA l7106 (717) 540-5610 SUPREME COURT NO. 07207 ATTORNEY FOR PLAINTIFF Dated I 1/-1-91 , V. 11M 'HI COURT or COKKOM .L1a8 I CUIIII.LUD COUllTY, 1.....yLVUIl' I ICIVIL ACTIO. - LAW I IMO. aD1S1 I I G..IRAL KOTO.. ACCI.'UCI CO.'ODTIO., .laintiff LIOIIUD H. CIl".I., .nt., Juyer IlUY I. cauD, CO-Juyer, Def8DISaDts v I . I r I C A , 10M I, r.", W"~'\~A,.,L, the ~ 5e.c.rc..+~j-- of GENERAL MOTORS ACCEPTANCE CORPORATION, verify that the statements made in thie complaint are true and corl'8ct and that I am authorized to make this Verification on behalf of GENERAL MOTORS ACCEPTANCE CORPORATION. I understand that I false statements herein are subject to the penalties of 18 Pa, C. S. Section 4904, relating to unsworn falsification to authorities. (., GENERAL MOTORS ACCEPTANCE CORPORATION B ! i I , 'I, i' .} 4 n. Uci 4!:3 ....W _.n t"J~ '.1, ::::. - N S 5 Cll) I Q ~ " fiB RnAllIN6TA~ENT SALE CONTRACt ; . 088465 . :. ... ..N Buy. (_co, oM Addte60 (Include County and Zip CQde) ~OIWW B. 'ClWIER. JR. KU.t !. CWIEJ. 318 CHARLES RD. 1601 IUtner R1gh_y MBCIlANICSBllRQ PA 1705' C'OHlI Carli.l. PA. 17013 'Itlu.lhelluyer(ond eo.lIuytr. WIllY). maybuytr.8 wNcIedeocrlbold below forCQ/I or on CI8dIl The <UI1 prtcu I. s/lQwn below.. "cun Pnl:e." TIle credit priCe Ie -- "i lleIow.."1lal SIIe PrIot~ Sy ~ngl/lillccnlnlct. you c/!O<lM19.buy ll'le vehicle on crt<lll uOOe,lhe'er-nlntaon till frQnland blrXDI tNloon..- '. . I ntrllCl NumMr , Ct8cli!Q< (5el1<< N"",e,oo AddtetiIII Rule CbeV1:'olet. Inc. ...~~ ...~. -' ~ ~ - .........Of1lll_ YouOUl"lDbuyandtl1e('~_toMlltheflJUowfngveNcllI. NeworUMd -.-.. .......00_ BodyT'"", VeIIfdIt1d".'Il..Glkl..No. It truck-0MaaII bocIy IIIl mojot i\lemaof 1qUi""*,, 1IllId, IG KBN7 U.1Qr Which "- '*""'* 0 IllI'cuIlUtll :;b~ .- A.'AL rvso.uo"IAG1 ~ Tbe cot! of your Cl'tdIt.... yQl1yrw. flJWl~~ Thadoa.r omOWlllll<<. credilwlll catt you, . ~ PI....... The emoul'lt or CIlIdtt pr~ v;ded ro you 01' on your ~l T_0I~4lI . The emounl you wIIl.Mve pald alle< you have _III pay-_. mflftlS.. ~eduled. 11 ?~ ,. .. , q~,; IIn . ?C:; ,oo.nn . 11 4~1a ~n 'nlIlII &lie """ ' . TIle IOlaI COIlor you< llurdlua on.credt.tnd~.... ~O[ rn-..' payinenlo/ '-3.,nA' 71. 'e . 1". 'i':i~.g" Alllourlol ",:m.nt. 557. 1 WIlen "'"ymoNS Iv. Due I MonIIlJy beginning 06-07-9 Or .. FOil"'" , LlllaClllrge.lfe~lallQ(pmldln lUll within 10 days o!tI!r iI "due. you wtll pay.Ial>l~.ltIt1eVllhiclo pUlChMed '" 'l'ItlaYycomm~1I motorVllhlcJo.!/I. ~wln 'la4%o/lN'l\'IOU/Ilolthe psymentlhllllslate.lftl1e ~Id.purchued Ie otl./lIgI"""Y busln_or flJtm equip"*1L _ cbarge 10111 be 5% oIlhumourlIo' the peymlntllWJeIlle. 0It0Itwfte. lI1ec/lllrgeWffI be 2% petrnontll on 111. amounlof It1epeyment thIItle G. eomputlld on 1he baalaot ,lUll caiIInaar momII fl:rlny ta..u.,.lIlImorrtl1pe1fodln_.fl0~. . . . .....pe)"...'llfyou payollaltyaurdllflleartyyou ""Ybe ontitll<110 I nolUnd Ofportoflllo Hnanc.t:hll'ge. --.my...--. \W "gM1ga-.uily In_ inlhevel1ldeboing ~un:h_, "*lllIOnlIllnl'1lnn8tlon: SIe",. ottler side or 111 Is contrael for mo.. Infon'ndtion Inclucln", infcrmA'ion ebout I'IOnpoymen1. der....'llll1l' lOQulrf<j repayment In lull belcre 1I1aICl'leduled~. ~ _e OIld security In'... . . , ,. :,:,-,:~"'~""~'.'1. t '-r.. .;..-". ': fTBIaAlION.OfI AMOUNTPINAH<'a- f c.tIl'rtcu (InoludIng otty ...,..,ries.....-. and ~I alb1al Downpaymenj" Nel1lade-1n $ 2" 082 .26 +O!/Ier~) :". ':''':'' -'~lIIa 'lQQ? . ~- .'. . ..:... - ",-,. .j ~ .:.- :~ !.'~ ,,~:~ 1;"_' ~~ . Cosh Downpsyme", S S 1 .000.00 s 28.558.26 (1) - .. ...... ' , - aUnpe/d ~O'c.h "'-(1 ,"'"""2) . ohr Cn.r;.alnclud1ng AmrlunIo "-Id TOCllhors on .'Illur Be""',:' . .a CoeIolR4qutledl'hylliOllO~ 1nlIuraI1CO?4i<Jlol/Ieln.."""",C<lmil4llyNamlld BeIow-Covoring o....-lDlIleV.hIr:(e . . '. '. .. .- .:;=:".-- - --=-=- .! -. . ---- - - ,. ... CoIl 01 OPlfqnlU.'~~.."., .fIepaiU_l'aId io lIle inourw>al Company N.."Od llelow-COverlng " CartalnMat:lllinlcW IlI!>airo ,. .. . . . 5 ....----- - -._- '''0 Coetoiapfllinj,jCNdllLJleln1/or_anlIf_,nll1"""",, lot''''' Thfm oltNsContm:t Paid 10 the . IraIl'_Com~orComt,lanl"Nlimed'IleIow. . . ~. ..' . .' ~i' . ....un._..-. :.. _ """'~~"!~fl_S..__~..:ll.". _~_.._S .~._f_r_tD~ent~'. . . . .' '. s. ':.,1WiNai1ildl.ll.ledihCalll/lHge" ---", ------~-~ --- -. . S .~" ..to' I!'GIMnVn_~II'Il1IOI'''~n''''~I~) 'Ucn:i;=~i~lt 4.~____S- ~ !L.. . ..~I"''''~~omtII... . c" . I ' 20.00 ' ."' " . "O",""C~(w..""'.r!lflYwtiowtll-"~andd~bopu~ --"--;:-- .... . '.. : '___' ::_ __C ___=.~--::~__: '. :::: ,. _ .. . - ..1llIIohro.n.'~~~~on'lb"r~...;~___~______.__.............:. } .. 24.00 ca.) . .Amourcflrlllwd..,~~...), . _:__' '._m~__.__"":"""'''''':''''':''''~_~_---,.-~~... .=~~ \:.;~~~ot~~;"'~.t.~!:.. ~=..=~.._ _:_~:- ':';:~_:--~'.' ..;:~ ,.", . J .'~9ohed.dO_i___of~_557.61 ......_~.~......... ,... .. , "r.R'V"t1'OnTp.T MIlke n.a. r."P1HCJl: r.r....!'l!lIC MOllo) ___$~082',2~ /21 _~_~$:'2~::A7~..QO . (3)"<. s 1'\." n_.A~ " "u.a...! "0..... ,~ OTHERIMPORTANTAOREEMENTS Own...hlp .nd Rlak 01 Loaa. You .gre. to p.y th. Cr.dltor all you ow. under Ihl. conlr.c:t lMln if Ih. vehlcl. Is d.maged. d.stroy.d or missing. You ogr.. nolto r.move Ih. vehicle lrom Ih. Unlt.d St.les or C.n.da or to s.lI, r.or, I.... or olherwl..tr.n.I.r .ny Inl.r.slln Ihe \'Ohl- cl.orlhl. conlract wlthoullhe Credilor'. wrinen permission. You agree nOI to expo.. the vehicle 10 mlsus. or conllscallon. You wilt make sure Ihe Creditor'. s8<il'rlty Intereal (lien) on Ih. vehicle Is shown on the title. 11th. Creditor p.ys'llllt'ep.lr bill., .Ior.g. bills, lax.s. IIn.s, or olh.r charges on Ih. vehicle, yol1llQre.to repay Ih. .mounl wh.n Ih. Cr.ditor asks for It Securlly Int.r.a.. You are giving Ihe Credllor e secunly Interest In the vehicle being purChased and any accessories, eqUlpm.nl and ",plac.. menl parts Inslall.d in Ihe v.hlcle, The secunly Inler.st also covers (1) insurance premiums a"d charges lor service conlraClS returned 10 the CredilOl (2) proc.eds 01 any Insurance policies or service conlroct on Ihe vehicle and (31 proceeds 01 any Insurance policies on your Ille or h..lth which or. Ilnanced In Ihls conlract This secures pay...,enl 01,11 .mounls you ow. In this conI roc I. or which you may owe under any separate Insurance finance agreement with Ihe Creditor or Ihe Credl. lo,'s assignee, and :n any transfer, renewal, edenSlon or asslgnmenl of this contract. It also secures your olher agreements In thiS conlract Pr.peym.nl R.lund. You can prepay alt 01 your debt and get a relund 01 pert 01 the Finance Charge. The refund will be ligured by the Acluarlal Method excepl thaI no relund Will be paid which results In a nel finance charge 01 less Ihan $10. There will be no refund paid 10 you if IllS fess Ihan $1.00, Req~lr.d Phyalc.1 D.m.g. In.uranc.. You agree to have physical damage insurance covenng loss or damage 10 Ihe vehlc/e lor Ihe lerm 01 this conlr.cl. At any lime during Ihe term 01 Ihls contract, II you do nol ',.ve physical damage insuranc. which covers bolh Ihe Inlerest of you end Ihe Credllor In the vehicle, Ihen Ihe Credllor may buy illor you lithe Cradllor does not buy physical damage insu'ance which covors both In leresis In Ihe vehicle, it may, If it decides, buy insurance which covers only Ihe Creditor's inleresl The Credilor is under no obllgalion 10 buy any insurance, but may do so II II desires. IIlhe Credilor buys e,lher of Iheso coverages, 'I will let you know whallype II is and the charge you musl pay, ,I any The charge Will conslsl 01 tne COSI 01 Ihelnsurance and a IInance charge, at the highest lawful conlraCI rate. You agree 10 pay the charge in equal Insla/menls, elltler along wllh Ihe paymenls shown on the paymenl schedule. or as J separate accounl set up tor this purpose Iflh. vehlclelsloslor damaged, ~ou agree thatlhe Creditor can u.e any insurance 9fJttlemenl oilt1er to repair the veh!cle or to apply 10 you!' deb I L.I. CII.'g.. You Will have 10 pay a lale charye on .ach payment received by the CredItor more than ten days late, The charge 15 shown on lhe front Accept:!nc.e 0' a lale payment or lale charge does nol excuse your 13te payment or moan Ihat you can keep making payments alt.r Ihey are due. The Credilor may also la<e the steps sellorth belOW If Ihere IS any lale paymenl OptIon.. 'nlur.nee or S.rvlcl Conl,.ct.. ThiS cantract may conraH1 charges for optional insurance or service contmcts II tho vehicle IS reposa8:\sed, you agre9 thaI rho CredItor may claim bench's under Ihese confracts and terminate them fa obtain re'unds for unearned charges Insur.llce or S.,vlc. Conlr.CI Charges R.turn.d 10 Crodltor. If any charge ror required Insurance IS relurned to the Creditor, II may be crl:uJ. ited 10 your account or used to blJY similar Insurnnco or insurance which covers only Ihe Credllor'. 'nlera1l In the vehicle. Any relund on oplional insurance or ~ef'\llce contracts obt~lned by Ihe CredHor Will be credl!ed 10 your accounl Cr.dlt~ to your accoum will include bolh the amounr3 received by lhe Creditor and the unearned Fin.1rctit Ctlarg(t~ on Iho~e amount'3 fhe'itl credits will be applied to a:os many or your In5talment:i .lSlhey Will covor, - . ~ break Jny 01 Ihe agreemenls ,n Ihls conlracl (dol au II), Ihe Credllor can I.kell,e vehicle from you, eller giving yo., .ny nollce required by law. To take Ihe vehicle Ihe Creditor c~n enler your property. Or the prop.rty wher~ ills stored, so long aslt Is done peacelully. IIlhere is any personel property In Ihe vehicle, such as clolhing, Ihe Creditor can slorell for you. Any accessories, equipment or replacemenl parts will remain wllh Ihe vehicle Oelllng Ihe ~1'B.Ck AIl.r Repoaae.slon. IIlhe Credllor repos- sesses Ihe vehicle you have Ihe rlghllo gel II back (redeem) by paying Ihe .enl"e amounl you owe on Ihe conlract (not jusl past due pay,nenla) plus any lale chalyes, Ihe cosl of lak'ng and slorlng the v~hlole and other expenses thallhe Seller or Ihe Credllor has had. In figuring the enl". amount you owe 011 the conlmcl, Ihe Creditor will give you a refund lor port 01 Ihe finance charge figured the same as II you lIad prepa,d your contract Your right 10 redeem will end when the vehlcfe Is sold S.le 01 the R.possessed V.hlcle. The Credllo, will send you a wrlllen nolree 01 salo alleast 15 days betore selling Ihe vehicle. II you do nol redeem Ihe vehicle by thedale on Ihe nolice, lhe Credllor can sell it. The Creditor w,lI use the nal proceeds of the sale to pay all or part 01 your deb I The nel proceeds of sale Will be figured Ihls way: Any fale chargos and any charges for taking and storing lho vehicle, cleaning end advertising elc.. .nd any reasonable a"omey lees and court cosfs will be sub- Iracled Irom Ihe selling price. II you owe Ihe Credllor lesSolhan Ih. l1et proceeds 01 sale, Ihe Credlto, w,lI pay you Iho difference, unless raquired 10 pay It 10 someone el.e. For example. the Credllor may be requIred 10 pay a lender whO has given you a loall and also 19<en a security Interest In the vehicle. II you owe more thall the nol proceeds of sale, you will pay thll Credllor IIle d,Nerence belween Ihe nel proceeds 01 sale and what you owe whon Ih" Credllor asks for II. II you do nol pay Ihis amounl when asked, you may also be charged Interesl at IhI! hlghesllawful rate until you do pay all you owe 10 the Creditor COllection Co..s. If tho Creditor hires an anornoy to collecl what you owe, you Will pay the a"orney's reasonable tee and any courl cosls. Delay In Enlorclng Rights and Ch.ngBS 01 this Conlract. The Credl- lor can delay or relraln from enlorclng any ollis nghls under Ihls con- trar.1 without losing them. For example, the Credllor cen ex lend Ihelime for making some payments wllhout exlendlng others Any change In torms 01 this conlracl musl be In wnllng and signed by Ihe.Credl!or No oral changes aro binding. II any part 01 this contract is not valid. another ~ar15 will remaIn enforceable Warranllaa S."er Disclaims. You undersla.nd thallI the v.hlcl. Is principally used 'or busln.ss or agricultural purpo.... 0' II you are Informed In writing prior 10 58lelh.llh. v.hlcl.l. .old on .n "as Is" bul. and Ihal yuu .re raaponslbl. '0' Ih. .ntlre rllk ..10 the quallly 0' perform"n~o 01 t~. vehlcl.. Ih.re Is no Implied w.r- ranty 0' m.rchantablllty, no Irnpl'.d warr.nly 01 IIln.a. lor a pilllc- uler purpose .nd no Implied ....rranly which .xt.nds beyond lhe desc,lpllon ollh. v.hlcle on Ihe oth.r sid. 01 till. conlracl. unl.as the Sell.r .x'ends a wrlllon warranty or ,.rvlc. contreel within 110 days Irom Ih. dale 01 Ihls conlract. . An Implied warranly 01 melchanlab,llIy generally mea'), Ihallhe vehicle 's III lor Ihe ordinary purpose lor which .uch vehicles are generally ueed A warranty 0' fltnoss 'or <1 particular puqJose Is a warranly Ihal may arise when Ihe Selle, has reason 10 know Ihe particular purpose for which you r.qu"e Ihe vehlclo and you reiy on th.. Geller's skill Gr jUdgment 10 lur. nlsh d suitable vehicle This proVISion does nol afiecr any wJrrantles covering 1~1. vehiCle which may bo provided by Ihe vel,lcle manulaalurer US.d C., Buy... Guld.. Th. Inlormallon you... on Ihe wlrMlow .. ,~ OTHER IMPORTANT AGREEMENTS Own...hlp .nd Rlak 01 Lo... You ogre. 10 pay the Credllor all you owe under this conlrac1 ewn II the vehicle Is damaged. destroyed or mlllllng. You agree not to remove the vehicle Irom Ihe United Slates or Canada or to sell, renl, lease or olherwlsetrBnsler ony Inleresllr\ the ""hi. cle Of this conlract wllhoulthlJ Creditor', written permission, You agree not 10 .xpose the vehicle 10 misuse or conllscallon. You will make sure the CredllOr'sSe<;llrlty Inlorest (lien) on Ihe vehicle Is shown on Ihe IllIe. II the CredllOt pays "",,-,op.lr bills, etorage bille, lues, fllles. or olher charges on the vehicle, yo\l\Qree 10 repay the amounl when the Credllor aske for II Securlly Inler..t. You ere giving the Credllor a secunty InlereSlln the vehicle being purchosed and any accessories. equipment and replace. m.nl partslnslalled In Ihe vehicle, The securlly Inlerest also covers (1) Insur.nce premiums ond charges lor service conlracts returned 10 Ihe Credllor (2) proceeds 01 any Insurance policies or service conlract on Ihe vehicle and (3) proceeds 01 any Insurance policies on your hie or heellh which are IInanced In this contracl, This secures paymenl ot .11 amounts you owe In Ihls conlract. 0' which you m&y owe under any sep.rate Insurance IInance agreement wllh tho Credllor or Ihe Credl' lor'. aeslgnee. and in any transfer, renewal, oxtenslon or assignment 0' Ihls contract. II also secures your other agreemenls In this conlracl Pr.peym.nl R.lund. You can prepay all at your debt and gnl a retum! 01 part of Ihe Fin once Charge. The refund Will be figured by Ihe Actuarial Melhod except Ihal no relund will be paid which results In a netlln.nce charge 01 less than $10. There will be no refund paid to you II It Is less than $1.00, Required Phy.loal Oam.g. Insur.nc.. You agree to have physical damage Insurance covering loss or damage to the vehicle tor the lerm of this conlract AI ony liMe during the lerm ollhls conlract. II you do nol have physical damage Insurance whlc'1 covers bolh Ihe Interest of you and the Creditor In Ihe vehicle, then the Creditor may buy II for you lithe Creditor does nOI buy physical damage Insurance which cove's bolh Inleresls In the vehlclo. II may. II it decides. buy In~urance which covers only the Creditor's Inlarest The Creditor Is under no obligation 10 buy any Insurance. but mny do so 1111 deSires. lithe Credilor buys either 01 Ihese cove'ages, II Will let you know whatlype ills ond Ihe charge you musl pay. II any, The charge Will conslsl 01 the cost of the Insurance and a Ilnance charge, althe hlghesl lawlul contract rale, You agree to pay Ihe charge In equellnstalmenls, .Ither along wllh the paymenls shown on Ihe paymenl schedule, or as a separate account set up tor Ihls purpose IIlhevehlcte IS loslor damaged, you agree Ihallhe Creditor can use any insurance s.llIementelther 10 repair Ihe vehicle or 10 apply 10 youI' debt Lal. CherUB. You Will have 10 pay a lale charge on each paymenr received by the Creditor more than len days late, Tile charge IS shown on Ihe 'ranI, Acceplance 0' a late paymenl or lale charge does not excuse your lale paymenl or mean that Vou can keep making paymenls alter they are dlJe, The Creditor may also lake Ihe steps sel torth below II there Ie any lale paymenl. Optlonallnaur.nce or S.rvlce Contrect.. ThIS contract may contain charget for optional insurance or serVice contracls, II Ihe vehicle 15 rapolISeseed. you agree thai Ihe Creditor may clall" benelll, under the,. contracls and terminate them fa oblaln refunds for unearned charges. Insurano. c.r Servlc. Conlracl Chargll R.turned to Crodltor.1I any charge lor required Insurance Is returned to the Creditor, It may be cred- ltrald to your account or us,d to buy similar insurance or insurance which covers cnly Ihe Crodltor's inlereslln Ihe vehicle. Any relund on oplional I~surance or servlco conlracts obtained by the Credllor will be credited 10 your accounr Credits 10 your accounl will Include bolh Ihe amounts receIVed bV Ihe Creditor and the unearned Finance Charges on Il,ose amounlc, rhe"e credils will be applied 10 as ma"y 01 your in11atmenls as Ihey Will cover, btfglllning with lhe 'inal tnsralmen! YOU Will b~ notlliO<j of what IS June R.qulred R.psymsntln Full Be,ore the Sch.duled Date, II vou 1<111 to pay any paymant according 10 the paymanl schedule, II a pror.eed. Ing In benkruptcy. recelvershlo or Insotvency IS star led by VOll or against you or your propeny; or II you breal< any 01 rhe agreements In this contracl (dela"It), Ih" Creditor can demand Ihar you pay "" yOU ow~.on this conlract al once. upon giVing any nollce requlrad by law. In IIguring what you owe, the Creditor will give you a relund 01 part 01 Ihe Flna~ce Charg.lIgured Ihe same as II you had prapaid in full ".po.....lon 01 Ih. V.hlcl. 10' ,.lIure to Pay. Reposse'",on ~..nslh.t. It you lalllo pay according to I~.. p<lymenl ",hedule or ,f yoe - ~ break uny ollhe agreemanls In Ihls conlract (dafaulI), the CredllOf can lake "'e vehicle "om you, a~er giving vou any nollc. requlrad by l.w.1b lake 11'0 vehicle Iho} Creditor can enler your property. or Ihe property where it Is stored. so long as Ills done peacelully, IIlhere Is any personal property In I~e vehicle. such as clothing, Ihe Creditor can slore It lor you, Any accessories. oqlllprnenl or replacamenl pa~s will rom.ln wllh th. vehicle O.ltlng Ihe~I'!lack Aller R.pon...lon.lllhe Creditor repos. sesseslhe vehicle you have tho right 10 gellt back (redeem) by paying I~e "nllle amounl you owe on the conlracl (nollusl past due paymenls) plus any lale charges. Ihe cosl Of taking and slorlng Ihe vehicle and olher expen5e~ Ihallhe Seller or Ihe Creditor has had, In IIgurlng the enllro amounl you owe 01\ Ihe conlmct, the Creditor will give you a retund tor port of the finance chargo figured Ihe oame as II you had prepaid vour contract Your rlghllo recaem will end when Ihe vehlcf.ls sold Sal. ollhe R.pos.....d V.hlcfe, The Creditor will send you a wrlllen nollce 01 sule ulleasl15 days belore selling Ihe vehicle, II you do nol redeem Ihe vehicle by Ihe dale on Ihe Ilolice, Ihe Creditor can sell It. The Credllor Will use Ihe nel proceeds at tna sale 10 pay all or part of your debt The nel proceeds 01 sale Will be IIgured this way: Any lale charges and any charges lor laking and sloring the vehicle. cleaning and advertising elc.. and any reasonabl" a"orney feas and court CO$ts will be sub. Iracled trom Ihe selling price, /I you owe Ihe C,adltor less than the lIet proceeds 01 sale, Ihe Creditor Will pa, you the difference, unless required 10 pay It to someone else, For ..ample. the Creditor may be required 10 pay a lender WhO has given you aloan and also laken a security intereslln Ihe vehicle, If you owo more than the net proceed~ 01 sale. you will pay the Creditor Ihe dlllerence belween Ihe net proceads cl sale and what you owe whom Ihe Cradllor asks for 1111 you do nol pay this amounl when asked, you may also be charged Interest allhe hlghestlawlul rale unlll you do pay all you owe to Ihe Creditor Collection CoalS. IIlha Credllor hlras an a"orney to coliecl what you owe, you Will pay Ihe a"orney's reasonable lee and any courl cas Is. Delay In Enlorclng Rlghls and Changll ollhla Conlract. The Credl. lor can delay or relraln from entorclng any of Its rrghts under this con- Iract without losing Ihem, For example, Ihe Creditor can extend the lime lor making some payments without extending olhers. Any change In terms 01 this contract musl be In wrlllng and slgrred by Ihe,Credllor No oral changes are binding, II any part olthls conlraCl,S nol valid, all olher parts Will rarnaln enforceable, WarranUII Seller Dlsclelms, Vou undarsta,nd lh.tII lh. v.hlclel. principally u..d lor bualne.. or agricultural purpoa.., Or il you ara Inlormed In writing prior to ..Ie Ihalth. vehlcle'e sold on an "as Is" baal. and Ii'lal you are ra.ponalbl. lor the .nllr. rl.k a.to the quallly 01 performsnce olth. vehlcl., th.ra Is no Implt.d war. ranty of m"ohanlablllty, no Impll.d w.rranty ollltn... 'or a pertlc- ular pU'p.:Jse and no Impll.d warranty which .xtends beyond the d..crlpllon of Ih. v.hlcle on th. oth" sid. ollhla oontract, unl..a the Sell" exl.nds a wrlltan warranty 0' sarvlc. contract wllhln 110 days Irom Ih. date 01 this contract. . An Implied warranty 01 merchanlabllitv generally means thal'lhe vehicle IS lit for t~e ordinary pllrpose lor which such vehicles are generally uaed A warranty 01 IItness for a particular pur~ose IS a warranly Ihal may arise when the Seller has reason 10 know the parllcular purpose lor which you require Ihe vehicle and you rely on Ihe 6eller's sl<llI or judgment 10 lur. nlsh a sullable vehicle. This prOVISion does not aNecl any watrenlles covering Ihe v.hlcle which may be provided by the vehicle manulacturer U..d Car Buy... Guld.. Th. Inlorm.lIon you ... on the window lo,m lor 'hls v.hlcl.'I. p.rt olthl. contre.t. Inlorm.llonon th. win- dow lorm overrld.s any contrary provl.lons In th. conlract 01..1.. Notice 01 Subelltutlon 0' Contract, II Seller oblalnod Ihls vehicle from Oenaral Motors Corporation (OM) on Instalment creditlerms, Ihls conlraCI will be subsllluted by Seller for and replace the Seller's obllga- lion to pav OM for the vehicle you are purchasing. This substllutlon wilt nol change Ihe amount you have ayroad 10 ~ay the Seller, the paym.nt schedule, the IInance charge or any 01 your lights and duties lor this purchase The term. 0' Ihls conlracl .al lorth your enllre and only obll- gallon 10 Seller, OM, or any other holder 01 Ihls con,rac!. . , NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH " THI DIBTOR COULD ASSERT AGAINST THE SEllER OF GOODS OR SERVICES OBTAINID PU"'UANT HIRETO OR WITH THI PROCEEDS HEREOF. RECOVERY HE"IJUNDI!A BY THI' n..ATnll.....l' UI\'I' .v...... ". . , " I. ,. " ElCBI1lIT "8" ,!,,",! - GENERAL ~.\.1roRS ACCEPTANCE COR. JRATlON COnln1('rCC" "ark. 2407 Park OTh,r, I hrri~bur~, P..nnllylvanla 17110 Mlllln~ ^ddre~.: 1'.0, Hox 24~1, Ihrrl6burg, Pennlylvllllal1105 'I t1erhon(': 717.~41.4200 B.^NrIlP,~ TIIRf)U(illou't fliP WfllHO Ul1\. Ul'IVR ot'rlCIl.S DI!.TROIT November 9, 1993 Leonard H. Cramer, Jr. 318 Charles Rd. Mechanlcsburg, PA 17055 Re: Account Number 062-1805-88465 -Dear Mr. Crampr: Since you have not made your payments, we have ta~en your vehicle. It is to be held at Lawrence Chevrolet. 6445 Carlisle Pi~e. l>1echanlcsbura. PA, It must be held at least untl I 9:00 a.m. November 24. 199~. It will be sold at a private sale at any time after that. (A sale includes a lease.) To get your vehicle bac~ you must pay all past due payments, plus e~penses. Then you must start your monthly payments again. You can get your vehicle bac~ any time until It Is sold. As of the date of this letter you must pay: Past Due Payments (3 of $557.61 and one of $.00) Late Charges E~penses Total $ 1,672.83 $ 33.45 $ .00 $ 1,706.28 A Iso, your contract requ I res you to have phys i ca 1 damage insurance on the vehicle. You must provide proof of this Insurance to redeem your vehicle. The longer you walt, the more you may have to pay to get your vehicle back. Only reasonable e~penses may be charged. They must be the direct result of reta~lng, storing and selling the vehicle. We can also charge you the costs of getting It ready for sale and reasonable lawyers' fees. If the vehicle is sold, the unpaid balance, e~penses and other liens will be deducted from the sale price. If any money is left, it must be sent to y~u within a reasonable period of time. If you do not get the money, you may have the right to sue for It plus any penalties fi~ed by law. amount you owe, YOU STILL OWE If the sale price is less than the total THE REST. If you have insurance or a service contract through GM, G , C or CIM as part of your contract, we will cancel it. Ma~e sure a . rage you no You have a right to credit for any refunds. L. Witman Credit Department Certified Mall Regular Mall lAW:jap 1S!I"lA flt.v 4/'11 " " , 'l,f, " '\/' ,...., " "', " '~l .,. -, ~'i'~ r , , ,(),r:-, ..,t. '< " ~" , ~, l,.i.) t,') ..,.,/ ~. I." i, t :' . , - "'. , , " I', ...... I.........., .,' ---. .- GENERAL MUI'ORS ACCEPTANCE CORI'VRATION Commerce rark, 2407 I).,k nrivt. t1arri.blJr.. Ptnnlylvlnla 17110 Mallin.. Addr!:..: r.o. Doll. 2451,lIarrllbur..I),nn'yhlniaI710S Ttltrhont: 71 '.541-4100 IUNCIII'.5 tllJlnllfillOUT 1f" WOAl.Il IXICUTIVIO,.ICU DUIOIT November 9, 1993 Mary E. Crlmer 318 Charles Rd. Mechantcabur& PA 17055 Re: Account Number 062-1805-88465 -Dear Ms. Crlmer: Since you hive not mlde your plyments, we have taken your vehicle. It 15 to be held It wrence Chevrolet. 6445 Carl151e Pike. Mechlnlcsbura. PA, It. must be held It lelst until 9:00 I.m. November 24. 1993. It will be sold at a private sale at any time after that. (A sale Includes a lelse.) To get your vehicle blck you must PlY III past due plyments, plus expenses. Then you must stlrt your monthly payments again. You can get your vehicle blck Iny time until It Is sold. As of the date of this letter you must pay: Past Due Payments (3 of $557.61 and one of $.00) Late Charges Expenses Total $ 1,672.83 $ 33.45 $ .00 $ 1,706.28 Also, your contract requires you to have physical dlmage Insurance on the vehicle. You must provide proof of this Insurance to redeem your vehicle. The longer you Wilt, the more you may have to pay to get your vehicle blck. Only reasonable expenses may be charged. They must be the direct result of retlklng, storing Ind selling the vehicle. We C3n also charge you the costs of getting It ready for slle and relsonable llwyers' fees. If the vehicle Is sold, the unpaid balance, expenses and other liens will be deducted from the sale price. If any money Is left, It must be sent to you within a reasonable period of time. If you do not get the money. you may have the right to sue for It plus any penalties fixed by law. It the sale price Is less than the total amount you owe, YOU STILL OWE THE REST. Certified Mail Regular Mall If you have Insurance or a service contract through GM, GMAC, HIC or CIH IS plrt of your contract, we will cancel it. Make sure:!}.ny er c~verlg. you no longer want !s clncelled. Clll lhe Insurance company orc, ler to do this. You have a right to credIt for any refunds. . Contact us to get your vehicle back. If you have any u "~~. !irs know. ~A~~ff L. Witman ~~:~,{..;~ e",,, 0"",.... "", ~:' ,~' LAW: jap d'UU II." '1'.1' J"., ~", ' ~,- , , , , " ,,"It . r, '. ,j' '- "J -,r .,.r " C'l, (.1':',: ::.- <; -'I ...;: ~, ."lj f....., '" ..1..,.,') ('.:: . r, ~ '> ", ."~ 00-') ,,, { ~ '-i I' " . \ i' . , , " ,I EXHIBIT "c" '"", GENERAL l'vnHORS ACCEPTANCE COR:'-:RATION (:Qmrnclct Park, 1407I'.,k f)riVl',lhrrlll"lIr~, Pennsylvania 11110 Mallln& ^ddreftl: P,O, nOl( 24~1,lIarrlllburR, l'cnlll'ylvanlaI7105 Tdcphull": 711.~"1,42tln n"'ANr;'lfJ TIIIII)1)11110111 TIm wnRLI) DXIU.:UTIVI! o't'ICas OI1TRQIT December 15, 1993 Leonard H. Cramer, Jr. 318 Charles Rd. Hechanicsburg, PA 17055 Re: Account Number 062-1805-88465 Dear Mr. Cramer: As shown on the enclosed form, the repossessed vehicle has been sold and a balance of $11,179.74 remains due on your account. Under the terms of your contract, you are responsible for payment of this amount. GHAC is willing to work with you in settling this obligation. most urgent that suitable arrangements be made without delay. me at 717-541-4020 for assistance in this very important matter. However, it is PI ease contact Very truly yours, B.J. Good Special Collection Department ?", J~ BJG:jap Ene. O'I'JC 0""'. 'I/UI 'r I, , I,' .J " '.1"'\1 'o,,:t. " . I' " 'I C'.. ....-;. " ,.. (:\ u...,: ~ .,. ,,' . ... ~ I :'1' f.") "- ..',' ['"' . ..:'" <" " 'I' "".. '-' '-...J ~, GENERAL IVhJTORS ACCEPTANCE CORI-RATION Comrt\~tc:~ I'ark, 241)11'ark UrlVl!, thrrilhlJrll. I'l.!llrlllylvllIlllt 17110 MallhlR ^dd,CIII: P,O, nox 24~1, JII"i",hurll. Peflllll)lvaIllIl17111~ Telephone: 11M41.4l00 INANeHRI TllllOUfUIOUT TItR 'Nono lUlICU'r1YI apPle,.. on.OIT December IS, 1993 Mary E. Cramer 318 Charles Rd. Mochanicsburg, PA 17055 Re: A.:count Number 062-1805-8846S Dear Ms. Cramer: As shown on the enclosed form, the repos$essed vehicle has been sold and a balance of $11,179.74 remains due on your account. Under the terms of yuur contract, you are responsible for payment of this amount. GHAC Is willing to work with you in settling this obligation. most urgent that suitable arrangements be made without delay. me at 717-541-4020 for assistance in this very important matter. However, it is PI ease contact Very truly yours, B.J. Good Spacial Collection Department ... BJG:jap Enc. f , ~~ " ""ue 11I.\/.IIIUl , , " " ~'J ....1' ...~ r;: (J"~)~ '." I " "j\ :.. "":: ., fn ..-., f, oJ.. ,-rJ : /, . , .", In . 'wi '-' .' .