INTHE CIRCUIT COURT on: ST, Louis COUNTY . 1 MIDWEST ACCEPTANCE CORPORATION, an 3 5:5 - CORI U. WINFIELD Plaintiff, Division No. .4:St. Louis, Mo. 63136 (OVER $3000.00) Defendan?s). PETITION ON CONTRACT 1. Plaintiff states on [lag?2009 defendant(s) errecuted and delivered to ALLSTAR MOTORS . payee thereon, for value received, a written contract, in and payable in the State of h/lissouri,_ wherein defendant(_s) prornised to pay to the order of said payee 8 239 . 5 with interest at the highest lanul rate per annum and'With 1.5% attorney's fee on the balance due thereon if said contract is placed in the hands. of i an" attorney for collection. A veri?ed copy of said contract, marked EXhibit A, is attached hereto and made a part hereof. . i . 2. That payee, or payee's endorsees, fer value and before default, endorsed, assigned and delivered said contract to plaintiff, who is the owner and holder of said contract. That there is a default thereon by Virtue of non?payment of amdtints when and as required in said contract. . 3. Plaintiff states there is a balance due on said note of 4880 - 93 plus interest as provided therein from 2427.20] 0 (original balance, $8239 . 50 less: payments, 2012 . 27';Q1nterest, ;38. 6O sale ofrepo, 3050. OO;1nsurance refunds, plus repo costs, 1 103 - REF . $237. 90 4. That demand for payment has been made but defend'ant(s) failed to pay and said contract has been placed in the hands of an attorney for collection. . . 7 5. That any repossession and subsequent sale of security herein was done in compliance With applicable state and federal laws including providing of all notices to cure, notice of sale and demand for de?cienCy balance (Detailed facts/allegatiOns of de?ciency in Exhibit which is attached hereto and made a part hereOf). plaintiff prays judgment against defendant(s) in the amount Of $4880 . 9 3 balanCe due on said contract, plus interest from 1 24320] 0 ,y and attorney's fee as provided therein, judgment to bear interest at contract rate (29 . 75 0/o) and its costs. - i? VAN and FLOOD, i is 11-1173 James Van Dille #222?' Patricia A. Flood #27692 102411 Attorney for Plaintiff 1420 .Strassner - . StsLouis, Missouri 63144 . This is an attempt to collect a debt and any information Obtained (3 962?1 1 15 fax (314) 962?2379 will used for that purpose . a Midwest Acceptance Corporation 4 woo/on 4 DATE - . Buyer (and (to-Buyer) Name and Address (include Zip Code) CREDITOR (Seller Name?and Address) CORI- 9391 ST. 1115.3 PRRK 2ND FL ST. ?ll 53:24. ET LOUIS, MCI 6311217? You, the Bu er (and Co?Buyer, it an may buy the vehicle described_ below for crash or on credit. The cash prlce is shown below. as ?Cash Sale rice". The credit price shown below as "Tom! Sale Price". By signing this contract, youchoose to buy the vehicle on credit under the agreements on tho front and of this contract ?N?clir?or use?" ?3 . 7, Us a cone HEDGE Eig?slp ADDITIONAL SECURITY: . . l?lk? ll Year and make . Allowance Amount (Ming 3 ITEMIZATION OF AMOUNT FINANCED . (1) Cash Sale PriceW30) (2) Down Payment - - CashDownPayment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. tibia? ma Trade?in mesc?ption AboveTotal Down Payment .. . . ?3593?- map} (3) Unpaid Balance of Cash Sale Price (1 minus 293(3) (4) Amounts Paid on Your Behalf ,3 To Public Of?cials (7) for license, title regionation fees . ?a n; for o?icial fees (Lien Perfection on ?lls) . i i ?ll) for taxes (not in Cash Sale PriceTotal to Public Officials .. 5. JET . To Insurance Companles for Credit Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Credit Disability Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 Total Credlt insurance Premiums . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3; 4 ?x To 1mmcm: lumbar: Isl-?ltd IlVlel?thll?lLlTotal 1 I .4394 33(4) (5) Amount Financed (3 91924FEDERAL DBCLOSURES ANN FINANCE Amount Financed Total of Payments Total Sale Price PERCENTAGE CHARGE The amount of credit The amount you will have I The total cost of your pur? pmvided to you or on paid after you have made chase on credit, including TM 510"?? amount the your behalf. all payments as scheduled. your of The cost of your credit as a cram yam" ?mu?2n. 7&3. 3 4., {34-3. on 239.512; 13, can. 13:2: 3.3, an Your Pa men! Schedule Will Be: {Alz??nlinfi??ac?ffarm? .Number?ffawlanl?ii beginning El 3 1' W3 Late Charge. If a payment is not paid in full within 15 days after it is due. you will pay a late charge of 5% or the late payment not to exceed $25.00 a minimum late charge of $10.00. Prepayment. If you pay off this contract early, you may have to pay a Minimum Flnanca Charge. Security Interest. You are giving a security interest in the vehicle being purchased and in the additional security (if any). Additional Intonna?on: See other side of this contract for more including informatlon about nonpayment, default, any required repayment in full before the scheduled date, prepayment refunds and security Interest. . Some of the terms listed above have different names under Missouri law. The ?Amount Financed" is ?Principal Balancef?. The ?Finance Charge? is ?Tlme Price Differential?. The ?Total of Payments? is ?Total Amount of Time Balance?. The ?Total Sale Price" is ?Time Sale Price". .. A. Vehicle Insurance (Required Physical Damage insurance): - YOU ARE REQUIRED TO INSUBE THIS VEHICLE INSURANCE MAY BE OBTAINED mom A censor: OF YOUR LIABILITY INSURANCE COVERAGE FOR BODILY AND PROPERTY DAMAGE CAUSED TC omen-s Is NOT INCLUDED B. Credit and Other Optional Insurance: . I Credit life insurance and credit d?sabllidty lr?SLgance are rig; required to obtain. (goon, tgrill bfeecprg?lded leessyou sign and agree t( a the remlum. 5i ou ave ecl ou wantt rs suranccLife and AXH .y . Term pa qw?q Macy Premium . . El Credit Life Only Term Premium 5 mm You understand that if there is more than one signer of this Insurance requesl,?only the signerl?) of?ithe reqtjest Will be covered by credit life, and if there are two only?th'e ?rst signer of this insurance request will be covered by accident and health. You acknowledge that the seller filled in the blank spaces to show the premium and term of the Insurance before you signed. I . I . USED moron yEl-llCl?E BUYERS GUIDE. If you are buying a Used vehicle with S. this contract federal regulations may require a special Buyers Guide. to be crewman cn?the wlndow once vehicle. THE YOU SEE cums FCRM FOR nus VEHJCLE IS PART OF nus CONTRACT. INFORMATION ON FORM ANY CONTRARY IN THE Signature - I CONTRACT CF SALE. NOTICE TO BUYER. Do not sign this contract tantrum you read it or if it contains any blank spaces. You are entitled to an exact copy of the contract you sign. Under the law you have the ?ght to pay off in advance the full amount due and to obtain a partlai refundny ?nance charge. We agree to sell and you agree to the described aboye. You Ice to pay us the amount ?nanced plus ?nance charges accruing on the unpaid balance at the contracted role from/(Mays date until palcl in full. 3 terms on the reverse slde are also part of this contract. If you agree to be bound by all or the terms of contract,ng Sign your name below. All persons signing this contract are equally responsible for paying it in full. of a {garland completely ?lled in copy of this contract at the time of signingsigning be! w,,lhe Sallorfccepls this Contract. I, I. aft" 3 ball? mill? .- If no other Assignee ls named in a sonata: attached ?to'this contrabt,"the Seller assignsit lo" so" Acceptance Corporation wllhout recourse underthe sof ent? on aback of this trap, I . PIBTIIRS . . - . Bv, . 11-1173 EXHIBIT Detailed allegations/ facts of de?ciency: Dates of statutory notices: l.l Late Payment Letter: - . 7'21?2009 Letter mailed to Defendant(s) at last known address notifying of default in payment and date by which payment needs to be made to' avoid acceleration of account. 2. 2nd Late Payment Letter (if necessary): 2?22-20l Letter mailed to DefendantCs) at last. known address notifying of default in payment and dateby which payment needs to be made to avoid acceleration of account if first default was cured . 3. Notice of Sale: I 9?vl3?20l0 Letter mailed to Defendant(s) at last known address?notifyin'g of date after which collateral will be: sold at private sale and of right to redeem collateral helbre sale. (Exhibit 4 attached hereto and made a part hereof by reference). 4. Demand for De?ciency: ?4?201 I . Letter mailed to DefendantCs), at last known address notifying of results of disposition of collateral setting out details including all charges and credits and demanding payment of deficiency balance, if any, to avoid institution of suit, (Exhibit 5 attached hereto and made a hereof by reference). 7 MIDWEST a Phone (314)351-8500 ACCEPTANCE . 59.00 Hampton Avenue Fax (314148178011 CORP. St. Louis, MO 63109 . September 13, 2010/ . NOTICE OF OUR PLAN TO SELL PROPERTY Cori U. Win?eld . St. Louis, MO 63136 Certi?ed #70071490000058121809 Subject: a; of 2002 Dodge Caravan We have your 2002 Dodge Caravan because you broke promises in our agreement. It is our intention to ?le for a repossessed title and dispose of the- collateral as follows. We will sell the 2002 Dodge Caravan at private sale sometime after 9/23/10. A sale could include a lease or license. /?er 2134GP443 02R765477 ?t we get from the sale (after paying our costs) will reduce the amount you owe. ifwe get less The money that . money than you owe, you will still owe us the difference. If we get more money than you owe, you Will get. Wo- M. the extra money, unless we must pay it fd?someone else. 0 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. To learn the exact amount you must pay, call us at 314?35 1? 8500. If you Want us to explain to you in writing how we ?gured the amount that you owe us, you may call us at 314?351?8500 or write to us at 5900 Hampton Ave, St. Louis, MO 63109 and request a written explanation. There will be no charge for this written explanation. If you need more information about the sale, call us at 314?351-8500 or write to us at 5900 Hampton Ave, St. Louis, MO 63109. We are sending this notice to the following othgr. people who have an inter who owe money under your agreement: none.? est in the 2002 Dodge Caravan/0r You are expected to retrieve any and all personal belongings contained in the vehicle within ten (10) days of this notice. Should there be personal items, they are being stored along with the vehicle at Tri Star Recovery 320 S. Florissant Rd. St. Louis, MO 63135 telephone (3151.) i21?6900(by appointment only). Sincerely, MIDWEST I CCEPTANCE CORP. 4! fir/1!, a 0nd Georg Collection Manager cc: Cori U. Win?eld Sent by regular mail as?" Exhibit a V/?gat?i MIDWEST Phone (314) 351?8500 ACCEPTANCE 5900 Ham?idn Avenue Fax (314) 481-8011 CORP. St. Louis, MO 63109 January 4, 201 1 NOTICE OF SALE OF COLLATERAL AND POSSIBLE DEFICIENCY Cori U. Win?eld St. Louis, Mo. 63136 CY Because you defaulted on your loan, we repossessed the 2002 Dodge Grand Caravan securing the loan. We sold this collateral on 12/22/2010. Dear Ms. Win?eld: The deficiency is: $4880.93 Here is how we calculated that amount. Total amount due at the time of the repossession $6227.23 Plus interest and Late Due 838 60 Less Unearned Credit Insurance 0000 Less Unearned Gap or Warranty Insurance 237.90 Net amount due Lender prior to sale (calculated as of 12/22/2010) $6827 93 Proceeds of the sale $3050.00 Net amount due Lender after sale $3777 93 Expenses of Sale Repossession Charge 420.00 Storage Charges 360.00 Title Charge Diagnostic/T owing Charges 174.00 Selling Fee Charge 124.00 Total Expenses $1103.00 Deficiency $4880.93 1f the sale resulted in a de?ciency balance, interest will continue to accrue on that balance at the rate of $3.98 per day until the loan is paid in full. If you have any questions or wish additional information you may call us at (314) 351?8500 or write us at 5900 Hampton Ave, St. Louis, MO 63109. Sincerely, MIPWEST ACCWE CORP. . A) (Mew Raym nd George Collection Manager May Exhibit '1 ease-e - - Luv Va; tam: THE CIRCUIT COURT (3F ST. LOUIS I ?m NOV 1 STATE $313.5th 0 JOAN i LEHK. ST. LOUIS COUNTY MI CORP. Gate: mam-n ifs. Case P-iumben 11 E'i?weien .539: C0121 U. Defends-a disli- DEFAULT JUDGMENT F?Baintiffi appears: in persen ande attorney. The {Befendentgej eithau? calf-ed t?uee nut The mini fi??d? the Befen?en?e?} 'zn defeust. "arm-5 ruee now-x being, submitter; t0 We emu-c upen the pie?dings anti af?uence, and the smart being fair-j advisee? in the Fie?nt?f?fe} ersf?i?ed {a a defauft judge-semi. ii'li?fJE'FiECr, anti DECREED that the Piaint?ffie} have and retever 'J'l fret-r; the Deferadami as fe?ewe: 43313.93 Prindeai 23433 Miter-est 733-? Him-Refs fee-5 $539335 "hated ewe 2:35.311 mete- ene?u .- 4451 fee- specie} sen" t3 beer centred interest. ?That t: the best ef amant'z Mania-Edge and belief the is {are} in civilian ?fe Hen-:1: ?53151; ejnr new - L. memm?? 22232 cm 3.151.001) #37693 .33 use: 341%- 3'5' LEE-35F. WEE-1 1 2 5; 1' 51; and?iencg? t? - - (.9 Tm? 3r: eater-re: ee?eet a debt and an}; ?Jet's, attained wait, deed fat that purge-5e . 3,313.: .9 Case ILED NOV 1 a Zen JUAN M. GILMEH CIRCUIT CLERK, ST. LOUIS COUNTY State of Missouri City of St. Louis ss. Raymond Brewer, being duly sworn, deposes and says: That he/she is the agent of Midwest Acceptance Corporation, a Missouri Corporation, and that he/she is duly authorized to make this af?davit; that the annexed Statement of Account is taken from the original books of entry of the Corporation and that upon information and belief the principal balance of $4 880.93 plus accrued interest of $1,284.98 calculated from 12/22/2010 through 11/10/2011 at an annual percentage rate of 29.75% and attorney?s fees of $732.14 shown due is correct; that the total amount of the Judgment taken is $6 898.05: that the said balance with interest thereon is justly due and owing Midwest Acceptance Corporation from Cori U. Win?eld; that no payments have been made thereon, and that there are no offsets or counterclaims against the same to the best of deponent?s knowledge and belief. The defendants named therein are not in the military service. Dated at St. Louis City, Missouri, this i day of November, 20g. Midwest Acceptance Corp Subscribed and sworn to before me this day of ember, 201?1. LYNDA M. MYERS NOTARY PUBLIC-NOTARY SEAL OF 0 STATE JEFFERSON COUNTY a COMMISSION 1090663 2 . . OMMISSION 06/27/2014 My Expll?es MY 0 I -