Preview
Case Number: COSO-18-000104 Division: 61
Filing # 66107987 E-Filed 01/04/2018 02:29:22 PM
IN THE COUNTY COURT IN AND FOR BROWARD COUNTY, FLORIDA
CIVIL DIVISION
TD AUTO FINANCE, LLC,
Plaintiff,
vs. CASE NO.:
JUANITA SANTANA,
JUANITA SANTANA
6433 RODMAN ST
HOLLYWOOD, FL 33023-1762
Defendant.
COMPLAINT
COMES NOW the Plaintiff, TD AUTO FINANCE, LLC, by and through its
undersigned attorneys and sues the Defendant, JUANITA SANTANA, herein and
alleges:
1.
Ourfile# 42579
This is an action for damages exceeding $5,000.00 but not exceeding
$15,000.00 exclusive of interest and costs of this action.
The Defendant's, JUANITA SANTANA, principal residence is located in
BROWARD County, Florida.
On or about, July 22, 2012, the Defendant, JUANITA SANTANA,
executed a Retail Installment Contract for the purchase of an automobile
whereby Plaintiff agreed to provide the purchase money financing for the
transaction. A copy of said contract is attached hereto as Exhibit "A".
Pursuant with the terms of said contract, TD AUTO FINANCE, LLC
agreed to provide JUANITA SANTANA the funds to purchase the
automobile and JUANITA SANTANA agreed to repay the loan in
accordance with the terms of the contract.
Thereafter, JUANITA SANTANA breached the subject contract by failing
to make the payments as required therein.
*4* FILED: BROWARD COUNTY, FL BRENDA D. FORMAN, CLERK 1/4/2018 2:29:20 PM.****10.
11.
12.
Ourfile# 42579
As a result of the breach of the contract by JUANITA SANTANA, Plaintiff
exercised its security interest in the subject automobile and recovered
possession of same. Said automobile was recovered and Plaintiff notified
JUANITA SANTANA of said recovery and their intent to dispose of the
repossessed collateral in accordance with Florida Statute 679.611 et.seq.
A copy of said Notice is attached hereto as Exhibit "B".
Thereafter, with JUANITA SANTANA having failed to redeem the
collateral as prescribed in said Notice, Plaintiff disposed of the collateral
in a commercially reasonable manner by selling same at a private
auction with competitive bidding by ready, willing, and able buyers for
such collateral.
Thereafter, Plaintiff provided JUANITA SANTANA with an explanation as
to the application of all proceeds derived from the liquidation of the
collateral and the resulting deficiency balance due as required in Florida
Statute 679.616. A copy of said Notice is attached hereto as Exhibit "C".
TD AUTO FINANCE, LLC has satisfied all conditions precedent on their
part prior to the commencement of this action.
TD AUTO FINANCE, LLC has made repeated demand for payment of the
deficiency balance from JUANITA SANTANA, yet JUANITA SANTANA has
failed and refused to pay same.
There remains due and owing from JUANITA SANTANA to TD AUTO
FINANCE, LLC the principal sum of $7,570.98 .
TD AUTO FINANCE, LLC has retained the Firm of Hodges, Avrutis, &
Foeller, and has agreed to pay same a reasonable fee for their services
herein and TD AUTO FINANCE, LLC seeks to recover said reasonablegoverning contract.
attorney fee from the Defendant in accordance with the terms of the
WHEREFORE Plaintiff requests Judgment against the Defendant in the amount
of $7,570.98, together with interest, costs of this action, and reasonable attorney’s
fees.
Ourfile# 42579
Attorney for Plainti
P.O. Box 4137
Sarasota, FL 34230
(941) 955-730}
.
“ \
THOMAS L. AVRUTIS, ESQUIRE
Florida Bar #0369365
SCOTT D. FOELLER, ESQUIRE
Florida Bar #0002143
Email Service: PEEADINGS@HODGESAVRUTIS.COM
HODGES, AVRUT: FOELLER
/EXHIBIT
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B
Ourfile# 42579TD Auto Finance
NOTICE AFTER REPOSSESSION
OR VOLUNTARY SURRENDER
NAME AND ADDRESS (HUYER 1) NAME AND ADDRESS QUYER 2)
IJUANITA SANTANA
6433 RODMAN ST
HOLLYWOOD, FL 33023-1762
NOTE; IF YOU ARE UNDER THE PROTECTION OF THE BANKRUPTCY CODE, YOU ARE NOT REQUIRED TO MAKE PAYMENT TO US.
We have obtained the vehucle described below (your vehicle) through enther
repossession asa result ofa default under your contract with us or [}_ voluntary surrender of your vehiele, whichever is checked
DESCRIPTION OF YOUR VEHICLE
Pr 7 Make ene IvEwcLE TOBSTIRICATION NUMER
2010 (CHEVROLET TAHOE 2WD |IGNMCAE38AR130159
NOTICE OF SALE: Your vehicle will be offered for sae, al a private sale beginning on December 22, 2014, and from day to day thereafier until sold,
REMAINING CONTRACT BALANCE / RIGHT TO MONEY LEFT OVER FROM SALE: If your vehicle 1s sold, the money we yet from the sale (after
paying our reasonable costs) will reduce the amount you owe If we get less money than you owe, you will sll owe us the difference If there is any money left
‘over, we wall pay this money to you, unless we must pay if to someone else
ACCOUNTING: If you want us to explain to you in writing how we have figured the amount that you owe us, you may calor write us a the number oF address
provided inthis Notice We reserve the righ! (o charge you $0.00 for the explanation if we sent you another explanation af the amount within the last six moaths,
NOTICE TO ALL INTERESTED PARTI
the contract. JUANITA SANTANA
We are sending this notice to the following people wha have an interest sn this vehicle or wha owe money under
30689899
‘SEE REVERSE SIDE FOR INFORMATION ON HOWTO GET YOUR VEHICLE BACK AND OTHER IMPORTANT NOTICES
FLPLI2345678 Papa ex enZa,HOW TO GET YOUR VEHICLE BACK: To get your velncle back, you can do one of twa things as described below, unless the box that follows 1s checked
o
the right to cure your default and renew your contract,
If this box is checked, the ony way to get your vehiele back isto pay the full amount you owe om your contract as described below; you do not have
[FIRST WAY: RENEW YOUR CONTRACT
|AT ANY TIME BEFORE YOUR VEHICLE IS ACTUALLY SOLD, you have
aright to renew your contract and get your vehucle back by peying the full
amount past due under your contract (excluding any amount that would not be
Idue except for an acceleration provision) plus unpaid charges and costs we
incurred as temized below To renew your contract, you rst pay vs the NET
AMOUNT NEEDED TO RENEW YOUR CONTRACT shown below. plus any}
lother amounts that may become due after the date of this Notice and before your
lvehicle 1s sold. Uf you renew your contract, you musi coatinus to make
regularly scheduled payments and satisfy other obligations as they come due
lunder your contract To leam the exact amount you must pay to renew your
[SECOND WA
CONTRACT
|AT ANY TIME BEFORE YOUR VEHICLE IS ACTUALLY SOLD, you have
2 eight to get your velucle back by paying the full amount you awe on your
contract (not just she past due ammount) plus unpard late charges, finance charges
land costs we mcurted as itemized below You must pay us the NET AMOUNT
INEEDED TO PAY YOUR CONTRACT shown below, plus any other amounts
Ihat may become due after the dete of this Notice and before your vehicle ts
sold. To learn the exact amount you must pay, please contact usat the address
lor telephone number provided 1m this Nouce. You must pay with a money
order, « cashier's check or cerufied funds, personel checks will aot be secepted
‘AY THE FULL AMOUNT YOU OWE ON YOUR
contract, please contact us atthe address ot telephone number provided in tus | |———— a aa
INotice. You cmist pay with a money order,» cashier's check or certfied funds, | [UNPAID PRINCIPAL BALANC! $21,032 95|
personal checks will aot be accepted. You may be required to provide proot of | |PLUS LATE CHARGES AND OTHER
Insurance, employment formation and three references costs $193.68
PLUS REPOSSESSION, STORAGE,
IPAST DUE PAYMENTS 31,452.57] REPAIR AND PREPARATION
COSTS (To Date) $400 0
[PLUS LATE CHARGES AND OTHER COSTS $193 68] EUS —pNANCE
IPLUS REPOSSESSION, STORAGE, REPAIR AND CHARGETO 12/05/2014 $170.72
PREPARATION COSTS (To Date) $400.09]
INET AMOUNT NEEDED TO RENEW YOUR SUBTOTAL OF CHARGES $21,797.35]
CONTRACT (NOT INCLUDING AMOUNTS THAT CESS REFUNDS OF INSURANCE PREMIUMS oo
MAY BECOME DUE AFTER THE DATE OF THIS
INOTICE) 52,046.25]
SUBTOTAL OF REFUNDS DEDUCTED 50.00]
INET AMOUNT NEEDED TO PAY YOUR CONTRACT
[Your vehicle will not be sold until the date shown in the Notice of Sale section
(NOT INCLUDING AMOUNTS THAT MAY BECOME,
DUE AFTER THE DATE OF THIS NOTICE) $21,797.35]
lon Page |, atthe earhest AFTER THAT DATE, BUT BEFORE YOUR
VEHICLE IS ACTUALLY SOLD, YOU CAN STILL PAY THE FULL
|AMOUNT YOU OWE ON YOUR CONTRACT TO GET YOUR VEHICLE
BACK
NOTE If this box ss checked and your vehicle was repossessed, you must also provide proof that you have paid the required $15 fee to the appropriate law
1 enforcement authonty forthe receipt ad filing of the report of repossession, The auction will not release the vehicle without proof thi the repossession report
fee has been pard
IF YOU ARE UNDER THE PROTECTION OF THE UNITED STATES BANKRUPTCY CODE, THIS NOTICE IS SENT FOR THE SOLE PURPOSE
OF NOTIFYING YOU OF YOUR STATE LAW RIGHTS, AND IS NOT INTENDED AS AN ATTEMPT TO COLLECT PAYMENT. YOUR
OBLIGATION TO MAKE PAYMENT TO US IS SUBJECT TO DISCHARGE, AND MAY HAVE ALREADY BEEN DISCHARGED, IN
BANKRUPTCY. ENTRY OF THE DISCHARGE ORDER IN YOUR BANKRUPTCY CASE RELEASES YOU FROM PERSONAL LIABILITY TO
MAKE PAYMENT TO US.
Ifyou have any questions about the sale of your vehicle of any other matters covered in this Notice, alease call or write us We are avatlable tthe phone number
below from 8.00 AM to 10.00 PM Easiem Time, Monday through Friday
ITD Auto Finance PO Box 551080, Jacksonville, FL 32255
866-659-1173
[BATE NOTICE MAILED:
12/05/2014
RAIL THE
30689899
Pe2d2
weaEXHIBIT
C
Ourfile# 42579TD Auto Finance
TWAKEDOOEL OF VENICLE
2010 CHEVROLET TAHOE 2WD
Date ACCOUNT
02/27/2015
AUYER'S NAME AND ADDRESS (CO.BLYERS NAME AND ADDRESS
JUANITA SANTANA
6433 RODMAN ST
HOLLYWOOD, FL 33023-1762
The following 1s an explanation of the amount of deficiency (or surplus, tf applicable) following the disposition of your vehicle
(1) Secured obligation, including late charges, return check fees, penmutied
legal fees and interest, finance charges or credit service charges due, at date
‘of repossession. $2390 91
(2) Gross disposition proceeds. 3 1420000
(3) Secured obligation after deducting amount in item (2) 8 7.19091
(Repossession, storage, preparation and disposition expenses, including legal
fees related to the current disposition of the vehicle, if any 5 ages
~ | (5) Other credits or rebates such as msurance refunds, extended warranty or
service contract refunds, or post-repossession payments, 7 pr
[| (6) Deficiency Amount (or surplus, if applicable)
4 (If the total of items 2 and 5 exceeds the total of items | and 4, a surplus
exists In that event, the amount of the surplus is shown on this bne in
parenthesis, You will receive a check m that amount.) $s
Future debuts, credits, and charges, mcluding additional credit service charges or interest, rebates and expenses may affect the amount
of the deficrency (or surplus, if applicable). To obtain additional information about your account, please call the telephone number
below, Monday - Friday from 8 00 AM - 6:00 PM Eastern Tune
We are sure you want to settle your account. We may be able to work with you tn establishing payment terms To make
arrangements, 11s unportant that you contact this office by telephone without delay
TD Auto Finance
PO Box $5100
Jacksonville, FL 32253-1080
1-866-251-9400
30689899
$4.291-6863 (2/15) SIMPLE INTERESTHonces, Avrutis & FOELLER
Attorneys at Law
201 Fletcher Ave., 2™ Floor
Sarasota, Florida 34237
Thomas L. Avrutis In Reply address firm at:
Scott D. Foeller ‘Telephone (941) 955-7300 Post Office Box 4137
Retire ‘Teiecopier (941) 953-7625 Sarasota, Florida 34230
John M. "Jack" Hodges
JUANITA SANTANA
6433 RODMAN ST
HOLLYWOOD, FL 33023-1762
RE: TD AUTO FINANCE, LLC
Our File Number: 42579
Dear Sir/Madam :
This letter has been given to you along with a law suit that has been filed on behalf of
our client. Please understand, our intent is not to harass or burden you but rather to
try to establish a conduit for communicating in hopes of resolving the outstanding
balance owed to our client. Realizing the importance of this situation, we respectfully
ask that you contact our office.
With this in mind, we respectfully urge you to contact our office to discuss the options
available in hopes of avoiding further Court involvement. Please call our office at 941-
955-7300 or 888-808-0808 and ask to speak with the person assigned to your file -
42579.
Sincerely,
HODGES, AVRUTIS & FOELLER
Preview
Case Number: COSO-18-000104 Division: 61 Filing # 66107987 E-Filed 01/04/2018 02:29:22 PM IN THE COUNTY COURT IN AND FOR BROWARD COUNTY, FLORIDA CIVIL DIVISION TD AUTO FINANCE, LLC, Plaintiff, vs. CASE NO.: JUANITA SANTANA, JUANITA SANTANA 6433 RODMAN ST HOLLYWOOD, FL 33023-1762 Defendant. COMPLAINT COMES NOW the Plaintiff, TD AUTO FINANCE, LLC, by and through its undersigned attorneys and sues the Defendant, JUANITA SANTANA, herein and alleges: 1. Ourfile# 42579 This is an action for damages exceeding $5,000.00 but not exceeding $15,000.00 exclusive of interest and costs of this action. The Defendant's, JUANITA SANTANA, principal residence is located in BROWARD County, Florida. On or about, July 22, 2012, the Defendant, JUANITA SANTANA, executed a Retail Installment Contract for the purchase of an automobile whereby Plaintiff agreed to provide the purchase money financing for the transaction. A copy of said contract is attached hereto as Exhibit "A". Pursuant with the terms of said contract, TD AUTO FINANCE, LLC agreed to provide JUANITA SANTANA the funds to purchase the automobile and JUANITA SANTANA agreed to repay the loan in accordance with the terms of the contract. Thereafter, JUANITA SANTANA breached the subject contract by failing to make the payments as required therein. *4* FILED: BROWARD COUNTY, FL BRENDA D. FORMAN, CLERK 1/4/2018 2:29:20 PM.****10. 11. 12. Ourfile# 42579 As a result of the breach of the contract by JUANITA SANTANA, Plaintiff exercised its security interest in the subject automobile and recovered possession of same. Said automobile was recovered and Plaintiff notified JUANITA SANTANA of said recovery and their intent to dispose of the repossessed collateral in accordance with Florida Statute 679.611 et.seq. A copy of said Notice is attached hereto as Exhibit "B". Thereafter, with JUANITA SANTANA having failed to redeem the collateral as prescribed in said Notice, Plaintiff disposed of the collateral in a commercially reasonable manner by selling same at a private auction with competitive bidding by ready, willing, and able buyers for such collateral. Thereafter, Plaintiff provided JUANITA SANTANA with an explanation as to the application of all proceeds derived from the liquidation of the collateral and the resulting deficiency balance due as required in Florida Statute 679.616. A copy of said Notice is attached hereto as Exhibit "C". TD AUTO FINANCE, LLC has satisfied all conditions precedent on their part prior to the commencement of this action. TD AUTO FINANCE, LLC has made repeated demand for payment of the deficiency balance from JUANITA SANTANA, yet JUANITA SANTANA has failed and refused to pay same. There remains due and owing from JUANITA SANTANA to TD AUTO FINANCE, LLC the principal sum of $7,570.98 . TD AUTO FINANCE, LLC has retained the Firm of Hodges, Avrutis, & Foeller, and has agreed to pay same a reasonable fee for their services herein and TD AUTO FINANCE, LLC seeks to recover said reasonablegoverning contract. attorney fee from the Defendant in accordance with the terms of the WHEREFORE Plaintiff requests Judgment against the Defendant in the amount of $7,570.98, together with interest, costs of this action, and reasonable attorney’s fees. Ourfile# 42579 Attorney for Plainti P.O. Box 4137 Sarasota, FL 34230 (941) 955-730} . “ \ THOMAS L. AVRUTIS, ESQUIRE Florida Bar #0369365 SCOTT D. FOELLER, ESQUIRE Florida Bar #0002143 Email Service: PEEADINGS@HODGESAVRUTIS.COM HODGES, AVRUT: FOELLER /EXHIBIT A Ourfile# 42579RETA IROTALLHENT SALE COWTHACT aoe woe nae VIGNE (Contmat tumor TT See fag ato emnens Res a, 730-1750 3 30TH NE punters THOT cotupce sins PENBROKE PRE, FL 3009 wig Goan SLES ee aN NS Scee aa cn Phe ta ate een daa Se se RSI Pe ae eset ait tensa = iis Wann intent [ = 2 fecomoe| sew [ott “SE | vonwesemnaee | rmmun tein eee = Reeser wweo | aio | Site romesemsoss [Sears o ' a ERTS =e Deer ae npr S-S%] ¢ 5368.17] ¢ _29492..5)} oor Payment Schedule Wil be ‘anaemia ean para fob aaa Poppe gsm aa Ct enya esa rear inane vee ash muerte Inman Sv ha coz tno Mowat awash saa, noccomamectenis 19 ed wrinkle a wd ean ‘TaramenoF our Tonmnpeagt 082 Beas) sdssis.z6in ‘ aa 1 Septem ese pre on a uk 2 See canoe noc Apu Bo i 1a OR areas — ame aT FB 26 | | ccna slam Goa zadmmints + usBamaiereinisetestrennOr $B = 2 SEER S INTL. eee eretett eee eee a ‘SO ema barat tarred tron pen haa — tone mm ESTAR GAP iiga—— om a= [ier sc sen nine (lca tke icin ranean Sst ogee ree rem | | Oa Stach tory eae enn ean og ek free | | A ‘etn reo ohne ac Ditebe hie ares Linge Siena eed ye Sp9 kt poe - Sigeanedeenosemautertr raat or asic tsctctar at erdesaras = Bees nds aa Wo camera gargs RB Triana] | ABR ASRAIRE COVERAGE coer rae SOS NGtir Mien uke Shigeo gree er neLUaeO Eos ctngme ai sabe reore 'ELLER'S OMT TO CANCEL -BujradCo ujr par, rv lw See Wo Cavel sooo ie bask wien ges he oer harigicto cnet win ce iy —————— No GOOLING OFF PERIOD, Sata aw dona not provide fora “cooing oo” cancelation porid for his sale, After you sign this contract. Your ray ony cancel tithe aster areas ofr legal use. Yau cannot cancel ua contact simply because ‘you change your mind, This nollee does nat apply to home solletatlon sales. ‘The Annual Percentage Rate may bo nogollanlo with the Seller The Sellar may aeeign thie contract ela age ese pat ofthe anos Core Fahl aerogaming ale eeseynsoue, Se Tera ics tp a eet to eT at TTT TR [Bie oat evga rede ne bm Exact le oarngrot ap {NOTICE TONE AUER: jbo aos Wis camps You nd ov aia ay Wa apes VE 1 copy ofthe carract you sign Koop 1 protest you egal igh ‘rtgas iste ect i eotct acoder ae a stead t creos oa NT the toto ang raver ge conf ot you rected 8 completa edn copy won yu ign auger Sit, oni D1P2D 20 iyeSigre X_____oas, Bist Seat a Amecee gromstaaenbans Meenas man ga coos reo nme tebe “ait dhe werees———grae S$" be —— me Fie Seanimiannomae TANCE LLC iii carton ston pact na ine Gases haat rainy egasir dace SAT AUTONET i ee ne ae eee+ pape reer oy ones {Sam Re (OTHER PORTANT AGREEMENTS NOTICE: ANY HOGEER OF THS CONSUMER CREDIT CONTRACT 1 ce nse mo pens ; homed tg fonee Chage. 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Cutorapartevsica fnewtwatttrosiecue ls 1 Denre tie ape ores Pavan ke tree age adn sa can bese Uste coum crnans eti efear yes then civ ened an WUE sence Oona fev 3 he eto wan ease ey Seer tanawatea se ethic ae. tm pay turbo © WARRANTS SELLERS" ‘es Se daa on Etc, Yo apes apy st ‘enn aye ra he eto eon a eens, na waranoe parse pled nine velar Seon Sissi a sso ase eet acne ‘Te iecudpene guerre Rope tach tern es ansesegy myo ps nes Gna rem wc EOL ea 9) an tute, we wore ee teoepeed Gs an a ca Siovedfortones nbtrans,uncacrats * ten eteiteaet pu anne ety Sire tecstricc meccacay tana Sodevtne site yours Sota pepe ficiencboyataatocrtess “This secures payment ot af Wo ae secures jour hae agreements ts conta. Yeu wil make Bue st pre s {ate or cote ne aos, rb ema pt ol vei conel, La aria oa a. Bormmqusmonnetee metab Sra i ree seo ep Sieguttanpsep bas enter iy egoneerctueeeee ears: © Opler sereeCamnae Snbaocmcri teominis ' SnotenGnet «mua elas enzo Yor ‘Savaen ry Toe ezse Dy ae Teel ud eta ogee ny sven coed By Iaesioby yea earapslnazare we may tarany —__*HOCLaMLea ren Dew ean ety simataarcns enlaarme he 7 teal Giemutewmansctrntiemntess 7 Risener prac a i Stes veal cech pean east Fotis eecpeninek ied Riimderiaecoortsewontitess ft a d's Ses Pre Rirealsetgutasbetosarietsnvecetiots _ feastcondipichttcs aa dele eens SxoResmmtemcmey nissan hence com eo rpc 7 Gee or cope fa vehi & serdongendCotctencoman. item mona ein, © Seeraet neencomaeg ae nn ee Cuncouramesrtacoce Reeerbeasayy wate beh oe earn ates ae Pcemeeutel "ea seamen, a sora ‘adleuen seen eon ene aes You aye Fa ‘ronay mtn wed Dan wet oucns ingen ‘Regecaranba yaupovsoan wonlte eaten nbereb eat retenuby @ beconedtessua sega = a tren Se nae Yu de peyret x mean tl you ve ard tho law of he shoe ct ou akbiess shown on the Sa lap copa Sonera oad ais Sr nt re ett yun yt cn gd by Seta aye Ysera ttt yt sou d ir eo wy yore rare you ne net ima semen ha one aoa anaes canoe ‘ina tee. see Sa has amber ty stad on ee score ean ncaa. Yee Saxena cca oe ty rc sans on oe eyo Donat rogram mca Sly Some ct {sete ene cae un some gun onary ar ane nae gh «ee ttle re tng och re om et mu ge av me ie sd peerage aac en, our py sane orege) Yo Sper ned ese ete yuma ney eamtneva serine cobeanten aan ease | tear cpio mast gi oe Des a ean Saha ean cre ea eR Pee peaneerbnew tes eee emmy nh te mo eae ein genet dot ‘cralfexgnses ince by Sckerin ing tho vate a you, Ie roaabe Fore 7 ‘in ee inset en oe oes dng evan aha he oes {eat octane snaffle Coagetotbe vce You mat pay sah cot or eon ‘ots conetobeveakeusit vse is organ 1 Shean at sabia aramneth not ‘CLARUS AO DEFBNSES WHICH THE DEBTOR COULD ' TOLL [Sem aoanst WE GeAER OF cOcOS on Senere STAND PURSUAY HERETO 03 WRT PROCEEDS MEMEO WECONERY HREVIOER BY THE DEBTOR 6¥ALL NOT EXCEED ALOUNTS PAID BY THE DEBTOR HERELNER Teac NCTC geo & pana enya hast taxine Play Usa hen tay scent a war chet 0 Hoe cas iota ag sy sbi ca owe! acersny Gas cess ha Bier Ge ma a eC De Snel Da eanarkrr Po ate papa ore ra soo.EXHIBIT B Ourfile# 42579TD Auto Finance NOTICE AFTER REPOSSESSION OR VOLUNTARY SURRENDER NAME AND ADDRESS (HUYER 1) NAME AND ADDRESS QUYER 2) IJUANITA SANTANA 6433 RODMAN ST HOLLYWOOD, FL 33023-1762 NOTE; IF YOU ARE UNDER THE PROTECTION OF THE BANKRUPTCY CODE, YOU ARE NOT REQUIRED TO MAKE PAYMENT TO US. We have obtained the vehucle described below (your vehicle) through enther repossession asa result ofa default under your contract with us or [}_ voluntary surrender of your vehiele, whichever is checked DESCRIPTION OF YOUR VEHICLE Pr 7 Make ene IvEwcLE TOBSTIRICATION NUMER 2010 (CHEVROLET TAHOE 2WD |IGNMCAE38AR130159 NOTICE OF SALE: Your vehicle will be offered for sae, al a private sale beginning on December 22, 2014, and from day to day thereafier until sold, REMAINING CONTRACT BALANCE / RIGHT TO MONEY LEFT OVER FROM SALE: If your vehicle 1s sold, the money we yet from the sale (after paying our reasonable costs) will reduce the amount you owe If we get less money than you owe, you will sll owe us the difference If there is any money left ‘over, we wall pay this money to you, unless we must pay if to someone else ACCOUNTING: If you want us to explain to you in writing how we have figured the amount that you owe us, you may calor write us a the number oF address provided inthis Notice We reserve the righ! (o charge you $0.00 for the explanation if we sent you another explanation af the amount within the last six moaths, NOTICE TO ALL INTERESTED PARTI the contract. JUANITA SANTANA We are sending this notice to the following people wha have an interest sn this vehicle or wha owe money under 30689899 ‘SEE REVERSE SIDE FOR INFORMATION ON HOWTO GET YOUR VEHICLE BACK AND OTHER IMPORTANT NOTICES FLPLI2345678 Papa ex enZa,HOW TO GET YOUR VEHICLE BACK: To get your velncle back, you can do one of twa things as described below, unless the box that follows 1s checked o the right to cure your default and renew your contract, If this box is checked, the ony way to get your vehiele back isto pay the full amount you owe om your contract as described below; you do not have [FIRST WAY: RENEW YOUR CONTRACT |AT ANY TIME BEFORE YOUR VEHICLE IS ACTUALLY SOLD, you have aright to renew your contract and get your vehucle back by peying the full amount past due under your contract (excluding any amount that would not be Idue except for an acceleration provision) plus unpaid charges and costs we incurred as temized below To renew your contract, you rst pay vs the NET AMOUNT NEEDED TO RENEW YOUR CONTRACT shown below. plus any} lother amounts that may become due after the date of this Notice and before your lvehicle 1s sold. Uf you renew your contract, you musi coatinus to make regularly scheduled payments and satisfy other obligations as they come due lunder your contract To leam the exact amount you must pay to renew your [SECOND WA CONTRACT |AT ANY TIME BEFORE YOUR VEHICLE IS ACTUALLY SOLD, you have 2 eight to get your velucle back by paying the full amount you awe on your contract (not just she past due ammount) plus unpard late charges, finance charges land costs we mcurted as itemized below You must pay us the NET AMOUNT INEEDED TO PAY YOUR CONTRACT shown below, plus any other amounts Ihat may become due after the dete of this Notice and before your vehicle ts sold. To learn the exact amount you must pay, please contact usat the address lor telephone number provided 1m this Nouce. You must pay with a money order, « cashier's check or cerufied funds, personel checks will aot be secepted ‘AY THE FULL AMOUNT YOU OWE ON YOUR contract, please contact us atthe address ot telephone number provided in tus | |———— a aa INotice. You cmist pay with a money order,» cashier's check or certfied funds, | [UNPAID PRINCIPAL BALANC! $21,032 95| personal checks will aot be accepted. You may be required to provide proot of | |PLUS LATE CHARGES AND OTHER Insurance, employment formation and three references costs $193.68 PLUS REPOSSESSION, STORAGE, IPAST DUE PAYMENTS 31,452.57] REPAIR AND PREPARATION COSTS (To Date) $400 0 [PLUS LATE CHARGES AND OTHER COSTS $193 68] EUS —pNANCE IPLUS REPOSSESSION, STORAGE, REPAIR AND CHARGETO 12/05/2014 $170.72 PREPARATION COSTS (To Date) $400.09] INET AMOUNT NEEDED TO RENEW YOUR SUBTOTAL OF CHARGES $21,797.35] CONTRACT (NOT INCLUDING AMOUNTS THAT CESS REFUNDS OF INSURANCE PREMIUMS oo MAY BECOME DUE AFTER THE DATE OF THIS INOTICE) 52,046.25] SUBTOTAL OF REFUNDS DEDUCTED 50.00] INET AMOUNT NEEDED TO PAY YOUR CONTRACT [Your vehicle will not be sold until the date shown in the Notice of Sale section (NOT INCLUDING AMOUNTS THAT MAY BECOME, DUE AFTER THE DATE OF THIS NOTICE) $21,797.35] lon Page |, atthe earhest AFTER THAT DATE, BUT BEFORE YOUR VEHICLE IS ACTUALLY SOLD, YOU CAN STILL PAY THE FULL |AMOUNT YOU OWE ON YOUR CONTRACT TO GET YOUR VEHICLE BACK NOTE If this box ss checked and your vehicle was repossessed, you must also provide proof that you have paid the required $15 fee to the appropriate law 1 enforcement authonty forthe receipt ad filing of the report of repossession, The auction will not release the vehicle without proof thi the repossession report fee has been pard IF YOU ARE UNDER THE PROTECTION OF THE UNITED STATES BANKRUPTCY CODE, THIS NOTICE IS SENT FOR THE SOLE PURPOSE OF NOTIFYING YOU OF YOUR STATE LAW RIGHTS, AND IS NOT INTENDED AS AN ATTEMPT TO COLLECT PAYMENT. YOUR OBLIGATION TO MAKE PAYMENT TO US IS SUBJECT TO DISCHARGE, AND MAY HAVE ALREADY BEEN DISCHARGED, IN BANKRUPTCY. ENTRY OF THE DISCHARGE ORDER IN YOUR BANKRUPTCY CASE RELEASES YOU FROM PERSONAL LIABILITY TO MAKE PAYMENT TO US. Ifyou have any questions about the sale of your vehicle of any other matters covered in this Notice, alease call or write us We are avatlable tthe phone number below from 8.00 AM to 10.00 PM Easiem Time, Monday through Friday ITD Auto Finance PO Box 551080, Jacksonville, FL 32255 866-659-1173 [BATE NOTICE MAILED: 12/05/2014 RAIL THE 30689899 Pe2d2 weaEXHIBIT C Ourfile# 42579TD Auto Finance TWAKEDOOEL OF VENICLE 2010 CHEVROLET TAHOE 2WD Date ACCOUNT 02/27/2015 AUYER'S NAME AND ADDRESS (CO.BLYERS NAME AND ADDRESS JUANITA SANTANA 6433 RODMAN ST HOLLYWOOD, FL 33023-1762 The following 1s an explanation of the amount of deficiency (or surplus, tf applicable) following the disposition of your vehicle (1) Secured obligation, including late charges, return check fees, penmutied legal fees and interest, finance charges or credit service charges due, at date ‘of repossession. $2390 91 (2) Gross disposition proceeds. 3 1420000 (3) Secured obligation after deducting amount in item (2) 8 7.19091 (Repossession, storage, preparation and disposition expenses, including legal fees related to the current disposition of the vehicle, if any 5 ages ~ | (5) Other credits or rebates such as msurance refunds, extended warranty or service contract refunds, or post-repossession payments, 7 pr [| (6) Deficiency Amount (or surplus, if applicable) 4 (If the total of items 2 and 5 exceeds the total of items | and 4, a surplus exists In that event, the amount of the surplus is shown on this bne in parenthesis, You will receive a check m that amount.) $s Future debuts, credits, and charges, mcluding additional credit service charges or interest, rebates and expenses may affect the amount of the deficrency (or surplus, if applicable). To obtain additional information about your account, please call the telephone number below, Monday - Friday from 8 00 AM - 6:00 PM Eastern Tune We are sure you want to settle your account. We may be able to work with you tn establishing payment terms To make arrangements, 11s unportant that you contact this office by telephone without delay TD Auto Finance PO Box $5100 Jacksonville, FL 32253-1080 1-866-251-9400 30689899 $4.291-6863 (2/15) SIMPLE INTERESTHonces, Avrutis & FOELLER Attorneys at Law 201 Fletcher Ave., 2™ Floor Sarasota, Florida 34237 Thomas L. Avrutis In Reply address firm at: Scott D. Foeller ‘Telephone (941) 955-7300 Post Office Box 4137 Retire ‘Teiecopier (941) 953-7625 Sarasota, Florida 34230 John M. "Jack" Hodges JUANITA SANTANA 6433 RODMAN ST HOLLYWOOD, FL 33023-1762 RE: TD AUTO FINANCE, LLC Our File Number: 42579 Dear Sir/Madam : This letter has been given to you along with a law suit that has been filed on behalf of our client. Please understand, our intent is not to harass or burden you but rather to try to establish a conduit for communicating in hopes of resolving the outstanding balance owed to our client. Realizing the importance of this situation, we respectfully ask that you contact our office. With this in mind, we respectfully urge you to contact our office to discuss the options available in hopes of avoiding further Court involvement. Please call our office at 941- 955-7300 or 888-808-0808 and ask to speak with the person assigned to your file - 42579. Sincerely, HODGES, AVRUTIS & FOELLER