TD Auto Finance, LLC v. Jeremy Wilcoxson

IN THE DISTRICT COURT OF KINGFISHER COUNTY, STATE OF OKLAHOMA TD AUTO FINANCE, LLC Plaintiff, -vs- JEREMY WILCOXSON Defendant Case No. CJ-2020-12 PETITION FOR MONEY DUE ON NOTE COMES NOW the Plaintiff and for its cause of action states as follows: 1. That Plaintiff is a LIMITED LIABILITY COMPANY organized and existing under the laws of MICHIGAN; the debt sued upon arose in and Plaintiff’s cause of action accrued in the State of Oklahoma. 2. That the Defendant resides in or may be found in KINGFISHER County, Oklahoma and within the venue of this court. 3. That upon application by the Defendant, the Defendant did enter into a Retail Installment Contract and Security Agreement ("Agreement") with BOB HOWARD CHEVROLET INC, which has heretofore been assigned and sold to Plaintiff, to borrow a sum of money to purchase a vehicle. A copy of said Agreement is attached hereto and incorporated herein by reference as if set forth at this point in full and verbatim. 4. That the Defendant did fail to perform the obligations under the terms of the Agreement and are therefore in default. 5. That if required by law or the Agreement, Plaintiff notified the Defendant of his default and right to cure, but Defendant failed to cure said default. 6. That Plaintiff repossessed the vehicle under the terms of the Agreement, and the vehicle was then sold in a commercially reasonable manner. 7. That Plaintiff notified the Defendant of the sale and any deficiency remaining after the sale. 8. That the deficiency after the sale is $11548.97. 9. Interest at the rate of 6.75% per annum from the date of Judgment until paid. 10. That pursuant to statute 12 O.S.§ 936, Plaintiff is entitled to reasonable attorney’s fees. 11. Pursuant to the SCRA §201(b)(4), Plaintiff declares under penalty of perjury that Defendant JEREMY WILCOXSON is not in the Armed Forces for the United States, verified on 12/24/2019 via the U.S. Department of Defense website. WHEREFORE, Plaintiff prays for Judgment against Defendant in the amount of: Amount claimed: $11548.97; Interest: Interest at the rate of 6.75% per annum from the date of Judgment until paid; Reasonable attorney’s fees; All costs herein expended, including but not limited to court costs, sheriff’s fees, and any costs for service of the summons(es). Respectfully submitted, FABER AND BRAND L.L.C BY: Jason A. Gubbins OK #22576 P.O. Box 10110 Columbia, Missouri 65205-4000 (888) 233-3141 (573) 442-1072 FAX [email protected] ATTORNEY FOR PLAINTIFF THIS IS A COMMUNICATION FROM A DEBT COLLECTOR IN AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. F&B Acct. No: 372392 AFFIDAVIT ***[Retail]*** I, Jeremy Huggans, being first duly sworn, depose and say that I have knowledge of the facts hereinafter set forth based on a review of the business records of TD Auto Finance LLC and that if sworn as a witness I can testify competently thereto: 1. That I hold the position of Litigation Manager for TD Auto Finance LLC; 2. I have knowledge of account number xxxxxx1958 and records related to a certain retail installment contract (the “Contract”) between JEREMY D WILCOXSON and BOB HOWARD CHEVROLET INC (“Seller”); 3. Seller assigned its rights and interests in and to the Contract to TD Auto Finance LLC (“Assignee”); 4. The defendant(s) is/are in breach of the terms of the Contract; and 5. The outstanding balance on the account related to the Contract is $11,548.97. STATE OF Florida ) COUNTY OF Dade ) ss In witness whereof I have hereunto subscribed my name and affixed my official seal this 19 day of November, 2019. My Commission Expires: Notary Public RETAIL INSTALLMENT SALE CONTRACT SIMPLE FINANCE CHARGE Dealer Number 116668 Contract Number Buyer Name and Address (Including County and Zip Code) JEREMY D WILCOXSON Co-Buyer Name and Address (Including County and Zip Code) N/A Seller/Creditor (Name and Address) ROB HOWARD CHEVROLET INC PO BOX 6130 EDMOND, OK 73083 You, the Buyer (and Co-Buyer, if any), may buy the vehicle below for cash or on credit. By signing this contract, you choose to buy the vehicle on credit under the agreement set forth on the inside back of this contract. You agree to pay the Seller - Creditor (sometimes "we" or "us") in this contract) the amount financed and Finance Charge in equal funds according to the payment schedule below. We will figure your finance charge on a daily basis. The Truth-In-Lending Disclosures below are part of this contract. <table> <tr> <th>Make</th> <th>Model</th> <th>Year</th> <th>Vehicle Identification Number</th> <th>Primary Use For Which Purchased</th> </tr> <tr> <td>CHEVROLET</td> <td>SILVERA</td> <td>2015</td> <td>474537</td> <td>N/A</td> </tr> </table> ANNUAL PERCENTAGE RATE 6.04% / FINANCE CHARGE $12097.15 / Amount Financed $52151.01 / Total Payments $64238.16 / Total Safe Price $6466.93 / $59905.15 <table> <tr> <th>Your Payment Schedule Will Be:</th> <th>Number of Payments</th> <th>Amount of Payments</th> <th>When Payments Are Due</th> </tr> <tr> <td></td> <td>84</td> <td>764.74</td> <td>Monthly beginning 05/28/2016</td> </tr> <tr> <td colspan="4">Or As Follows.</td> </tr> </table> Late Charge: If payment is not received in full within 10 days after it is due, you will pay a late charge of $ 24.50 or ___% of the part of the payment that is late, whichever is greater. Prepayment: If you pay off all your debt early, you will not have to pay a penalty. Security Interest: You are given a security interest in the vehicle being purchased. Additional interest costs: See the statements for more information including, if nonpayment default, any required repayment in full before the next scheduled payment date. ITEMIZATION OF AMOUNT FINANCED 1 Cash Price (including $ N/A excise tax) $52503.00 (1) 2 Total Commissions $ N/A (2) Total In 2014 RAMT RAM115 (dealer) Gross Trade-in Allowance $25068.00 Less Pay Off Made By Seller $27637.01 Equals Net Trade In $2569.01 Sales Tax $ N/A - Oem REBATE $7236.00 (3) (If total deployment is negative, enter "0" and see #4 below) $4666.99 (2) 3 Urged Balance of Cash Price (1 minus 2) $47836.01 (3) 4 Other Charges Including Amount Paid to Others On Your Behalf (Enter any lease cost of these amounts) <table> <tr> <th>Company or Company</th> <th>Lifetime</th> <th>Cost</th> </tr> <tr> <td>Cash</td> <td></td> <td>$ N/A</td> </tr> <tr> <td>Other Charges Due</td> <td>LIEN ENTRY</td> <td>$ 10.00</td> </tr> <tr> <td>FIDELITY RdHzd</td> <td>$ 500.00</td> <td>$ N/A</td> </tr> <tr> <td>Total Other Charges and Amounts Paid to Others On Your Behalf</td> <td></td> <td>$ 510.00</td> </tr> </table> 5 Amount Financed (3 + 4) $52151.01 (3) <table> <tr> <th>A</th> <th>B</th> <th>C</th> <th>D</th> <th>E</th> <th>F</th> <th>G</th> <th>H</th> </tr> <tr> <td>Vendor's Single Interest Insurance</td> <td>Paid to Insurance Company</td> <td>Other Option Insurance Paid to Insurance Company or Company</td> <td>Optional Gap Contract</td> <td>Other Charges Due to Government Agencies</td> <td>Other Charges Due</td> <td>Government Fees Not Included in Cash Price</td> <td>Government Certificate of Title Fees</td> </tr> <tr> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>N/A</td> </tr> </table> <table> <tr> <th>I</th> <th>J</th> <th>K</th> <th>L</th> <th>M</th> <th>N</th> <th>O</th> <th>P</th> </tr> <tr> <td>Other Charges (Enter must identify who is paid and describe purpose)</td> <td></td> <td>TERM CARE</td> <td>GLASS GUAR</td> <td>GLASS GUAR</td> <td>GLASS GUAR</td> <td>GLASS GUAR</td> <td>GLASS GUAR</td> </tr> <tr> <td></td> <td>SVC CONT</td> <td></td> <td></td> <td>AUTO COAL FEE</td> <td></td> <td>EZ FIDELITY RdHzd</td> <td>EZ FIDELITY RdHzd</td> </tr> <tr> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>FIDELITY RdHzd</td> <td>FIDELITY RdHzd</td> </tr> <tr> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td>Total Other Charges and Amounts Paid to Others On Your Behalf</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td>Amount Financed (3 + 4)</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> </table> <table> <tr> <th colspan="3">OPTIONAL GAP CONTRACT</th> <th colspan="6"></th> </tr> <tr> <td>You pay no finance charges if the Amount Financed, item 5, is paid in full on or before 1/1/2017</td> <td>Yes N/A SELLER'S INITIALS</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> </table> <table> <tr> <th>Term</th> <th></th> <th>Rate</th> <th>Name of Gap Contract</th> </tr> <tr> <td>84</td> <td></td> <td></td> <td>UMA TLP GAP</td> </tr> </table> NO COOLING OFF PERIOD State law does not provide for a "cooling off" or cancellation period for this sale. After you sign this contract, you may only cancel it if the seller agrees or for legal cause. You cannot cancel this contract simply because you change your mind. This notice does not apply to home solicitation sales. The Annual Percentage Rate may be negotiable with the Seller. The Seller may assign this contract and retain its right to receive a part of the Finance Charge. HOW THIS CONTRACT CAN BE CHANGED. This contract contains the entire agreement between you and us relating to this contract. Any change to this contract must be in writing and we must sign it. No oral changes are binding. Buyer Signs ________ Co-Buyer Signs X ________ I am not sure how this contract works. If I have questions, I can ask. We try to explain our contracts. If you have questions about the terms of this contract, read the summary of your rights at the bottom of this contract. If you still have questions, ask your lawyer for help. See back for other important agreements. NOTICE TO RETAIL BUYER: Do not sign this contract in blank. You are entitled to a copy of the contract at the time you sign. Keep it to protect your legal rights. You agree to the terms of this contract. You confirm that before you signed this contract, we gave it to you, and you were free to take it and review it. You confirm that you received a completely filled-in copy when you signed it. Buyer Signs X ____________________ Date(s) 3 APR'16 Co-Buyer Signs X ____________________ Date(s) N/A Other owner signs here X ____________________ Seller signs here X ____________________ BOB HOWARD CHEVROLET INC Date 3 APR '16 <table> <tr> <th>Seller assigns its interest in this contract to</th> <th>To Auto Finance LLC</th> <th>(Agreement) under the terms of Seller's agreement(s) with Assigee</th> <th>Assignee will assign account</th> </tr> </table> FORM NO. RIAK-SF-04 ORIGINAL LIENHOLDER OTHER IMPORTANT AGREEMENTS 1. FINANCE CHARGE AND PAYMENTS a. How we will figure Finance Charge. We will figure the Finance Charge on a daily basis at the Annual Percentage Rate on the unpaid part of the Amount Financed. b. How we will apply payments. We may apply each payment to the interest and unpaid part of the Finance Charge, to the unpaid part of the Amount Financed and to other amounts you owe under this contract in any order we choose. c. How late payments or early payments change what you must pay. We based the Finance Charge, Total of Payments, and Total Sale Price shown on this front on the amount due at the final scheduled payment. If you pay early Changes may take the form of a larger or smaller final payment or, at our option, more or fewer payments of the same amount as your scheduled payment or a smaller final payment. We will send you a notice telling you about these changes before the final scheduled payment is due. d. You may prepay. You may prepaid all or part of the unpaid part of the Amount Financed at any time without penalty. If you do so, you must pay the earned and unpaid part of the Finance Charge and all other amounts due at the time of delayed payment. e. Your right to refinance a balloon payment. A balloon payment is a scheduled payment that is more than twice as large as the average of your earlier scheduled payments. If you are buying the vehicle primarily for personal, family or household use, you have the right to refinance the balloon payment if the terms are favorable to you than the terms of the contract. This provision does not apply if we adjusted your payment schedule to your seasonal or irregular income. 2. YOUR OTHER PROMISES TO US a. If the vehicle is damaged, destroyed, or missing. You agree to pay us all you owe under this contract even if the vehicle is damaged, destroyed, or missing. b. Using the vehicle. You agree not to remove the vehicle from the U.S. or Canada, or to sell, rent, lease, or transfer in any manner the vehicle or this contract without our written permission. You may not assign the vehicle to misuse, secure, confiscate or involuntarily transfer. If we pay any repair bills, storage bills, taxes, fines, or charges on the vehicle, you agree to repay the amount when we ask for it. c. Security Interest. You give us a security interest in • The vehicle and all parts or goods put on it; • All money or goods received (proceeds) for the vehicle; • All insurance, maintenance, service, or other contracts we finance for you and • Any funds from insurance, maintenance, service or other contracts 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. It also secures your other agreements in this contract. You will not be able to take out our security interest (lien) in the vehicle. You will not assign your own security interest to be placed on the title without our written permission. d. Insurance you must 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 we choose, buy physical damage insurance. If we decide to buy physical damage insurance, we may either buy insurance that covers your interest and our interest in the vehicle, or buy insurance that covers only our interest. If we buy either type of insurance, we will tell you which type and the charge you must pay. The charge will be the premium of the insurance and a finance charge computed at the Annual Percentage Rate shown on the front of this contract. If the vehicle is lost or damaged, you agree that we may use any insurance settlement to reduce what you owe or repair the vehicle. e. What happens to returned insurance, maintenance, service, or other contract charges. If we get a refund of insurance, maintenance, service, or other contract charges, you agree that we may subtract the refund from what you owe. 3. IF YOU PAY LATE OR BREAK YOUR OTHER PROMISES a. You may owe late charges. You will pay a late charge on each late payment as shown on the front. Acceptance of a late payment 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: • You do not pay any payment on time; • You give false, incomplete, or misleading information on a credit application, • You start a proceeding in bankruptcy or one is started against you or your property, or • You break any agreements in this contract. The amount you will owe will be the unpaid part of the Amount Financed, the unpaid part of the Finance Charge, any late charges, and any amounts due because you defaulted. c. You may have to pay collection costs. If we hire an attorney who is not our salaried employee to collect what you owe, you will pay the attorney's fee and court costs the law permits. The maximum attorney's fee you will pay is 25 percent of the amount you owe, unless a court awards an additional fee. d. We may take the vehicle from you. If you default, we may take (repossess) the vehicle from you if we do so peacefully and if the law allows it. If your vehicle has an electronic tracking device, you agree that we may use the device to find the vehicle. If we take the vehicle, all items in the vehicle except fuel and replacement parts 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. e. How you can get the vehicle back if we take it. If we repossess the vehicle, you may pay to get it back (redem). We will send you a written notice of redemption. • Your right to redeem ends when we sell the vehicle. f. We will sell the vehicle if you do not get it back. If you do not redeem, we will sell the vehicle. We will send you a written notice of sale before selling the vehicle. We will apply the money from the sale, less allowed expenses, to the amount you owe. Allowed expenses are expenses we pay as a direct result of taking the vehicle, holding it, preparing it for sale, and selling it. Attorney fees and court costs, if the law permits, are also allowed expenses. If any money is left (surplus), we will pay it to you unless the law requires us to pay it to someone else. If there is not enough money to pay the amount you owe, you must pay the rest to us unless the law provides otherwise. If you do not pay this amount when we ask, we may charge you interest at a rate not exceeding the highest lawful rate until you pay. g. What we may do about optional insurance, maintenance, service, or other contracts. The contract may contain charges for optional insurance, maintenance, service, or other contracts. If we demand that you pay all you owe at once or we repossess the vehicle, we may claim benefits under these contracts and cancel them to obtain refunds of unearned charges, if we repair or replace the vehicle. If the vehicle is a total loss because it is confiscated, damaged, or stolen, we may claim benefits under these contracts and cancel them to obtain refunds of unearned charges to reduce what you owe. 4. WARRANTIES SELLER DISCLAIMS Unless the Seller makes a written warranty, or enters into a service contract within 90 days from the date of this contract, the Seller makes no warranties, express or implied, on the vehicle, and there will be no implied warranties of merchantability or of fitness for a particular purpose. This provision does not affect any warranties covering the vehicle that the vehicle manufacturer may provide. 5. Used Car Buyers Guide. The information you see on the window form for this vehicle is part of this contract. Information on the window form overrides any contrary provisions in the contract as follows: Spanish Translation: Guía para compradores de vehículos usados. La información que ve en el formulario de la ventana para este vehículo forma parte del presente contrato. La Información del formulario de la ventana deja sin efecto toda disposición en contrato contenida en el contrato de venta. 6. SERVICING AND COLLECTION CONTACTS You agree that we may try to contact you in writing, by e-mail, or using prerecorded/artificial voice messages, text messages, and automatic telephone dialing systems, as the law allows. You also agree that we may try to contact you in five alternative ways if you specify your telephone number you provide us, unless the telephone number is a cell phone number or the contact results in a charge to you. 7. APPLICABLE LAW Federal law and the law of the state of our address shown on the front of this contract apply to this contract. NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER 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 HEREBY UNDER. The preceding NOTICE applies only to goods or services obtained primarily for personal, family, or household use. In all other cases, Buyer will not assert against any subsequent holder or assignee of this contract any claims or defenses the Buyer (debtor) may have against the Seller, or against the manufacturer of the vehicle or equipment obtained under this contract. Form No. 553-OK 8/14 TD Auto Finance DATE 05/29/2018 ACCOUNT NO. MAKE/MODEL OF VEHICLE: 2015 CHEVROLET SILVERADO 1500 BUYER'S NAME AND ADDRESS: JEREMY WILCOXSON CO BUYER'S NAME AND ADDRESS The following is an explanation of the amount of deficiency (or surplus, if applicable) following the disposition of your vehicle (1) Secured obligation, including late charges, return check fees, permitted legal fees and interest, finance charges or credit service charges due, at date of repossession $ 43,132.13 - (2) Gross disposition proceeds. $ 31,750.00 = (3) Secured obligation after deducting amount in item (2). $ 11,382.13 + (4) Repossession, storage, preparation and disposition expenses, including legal fees related to the current disposition of the vehicle, if any $ 1,338.08 - (5) Other credits or rebates such as insurance refunds, extended warranty or service contract refunds, or post-repossession payments $ 1,171.24 = (6) Deficiency Amount (or surplus, if applicable) (If the total of items 2 and 5 exceeds the total of items 1 and 4, a surplus exists. In that event, the amount of the surplus is shown on this line in parenthesis. You will receive a check in that amount.) $ 11,548.97 Future debts, credits, and charges, including additional credit service charges or interest, rebates and expenses may affect the amount of the deficiency (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 Time We are sure you want to settle your account. We may be able to work with you in establishing payment terms. To make arrangements, it is important that you contact this office by telephone without delay TD Auto Finance PO Box 551080 Jacksonville, FL 32255-1080 1-866-251-9400 NAME AND ADDRESS (BUYER 1) NAME AND ADDRESS (BUYER 2) JEREMY WILCOXSON NOTE: IF YOU ARE UNDER THE PROTECTION OF THE BANKRUPTCY CODE, YOU ARE NOT REQUIRED TO MAKE PAYMENT TO US. We have obtained the vehicle described below (your vehicle) through either ☒ repossession as a result of a default under your contract with us or ☐ voluntary surrender of your vehicle, whichever is checked. DESCRIPTION OF YOUR VEHICLE YEAR: 2015 MAKE: CHEVROLET MODEL: SILVERADO 1500 VEHICLE IDENTIFICATION NUMBER: 4537 NOTICE OF SALE: Your vehicle will be offered for sale, at a private sale beginning on April 24, 2018, and from day to day thereafter until sold. A sale could include a lease or a license. The money that we get from the sale (after paying our costs) will reduce the amount you owe. If we get less money than you owe, you will still owe us the difference. If we get more money than you owe, you will get the extra money, unless we must pay it to someone else. REMAINING CONTRACT BALANCE / RIGHT TO MONEY LEFT OVER FROM SALE: If your vehicle is sold, the money we get from the sale (after paying our reasonable costs) will reduce the amount you owe. If we get less money than you owe, you will still owe us the difference. If there is any money left over, we will pay this money to you, unless we must pay it 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 call or write us at the number or address provided in this Notice. We reserve the right to charge you $0.00 for the explanation if we sent you another explanation of the amount within the last six months. NOTICE TO ALL INTERESTED PARTIES: We are sending this notice to the following people who have an interest in this vehicle or who owe money under the contract JEREMY WILCOXSON HOW TO GET YOUR VEHICLE BACK: To get your vehicle back, you can do one of two things as described below, unless the box that follows is checked. ☐ If this box is checked, the only way to get your vehicle back is to pay the full amount you owe on your contract as described below; you do not have the right to cure your default and renew your contract. FIRST WAY: RENEW YOUR CONTRACT AT ANY TIME BEFORE YOUR VEHICLE IS ACTUALLY SOLD, you have a right to renew your contract and get your vehicle back by paying the full amount past due under your contract (excluding any amount that would not be due except for an acceleration provision) plus unpaid charges and costs we incurred as itemized below. To renew your contract, you must pay us the NET AMOUNT NEEDED TO RENEW YOUR CONTRACT shown below, plus any other amounts that may become due after the date of this Notice and before your vehicle is sold. If you renew your contract, you must continue to make regularly scheduled payments and satisfy other obligations as they come due under your contract. To learn the exact amount you must pay to renew your contract, please contact us at the address provided in this Notice or call us at 866-659-1173. You must pay with a money order, cashier's check or certified funds, personal checks will not be accepted. <table> <tr> <th>PAST DUE PAYMENTS</th> <td>$2,821.56</td> </tr> <tr> <th>PLUS LATE CHARGES AND OTHER COSTS</th> <td>$114.61</td> </tr> <tr> <th>PLUS REPOSSESSION, STORAGE, REPAIR AND PREPARATION COSTS (To Date)</th> <td>$550.00</td> </tr> <tr> <th>NET AMOUNT NEEDED TO RENEW YOUR CONTRACT (NOT INCLUDING AMOUNTS THAT MAY BECOME DUE AFTER THE DATE OF THIS NOTICE)</th> <td>$3,486.17</td> </tr> </table> SECOND WAY: PAY THE FULL AMOUNT YOU OWE ON YOUR CONTRACT AT ANY TIME BEFORE YOUR VEHICLE IS ACTUALLY SOLD, you have a right to get your vehicle back by paying the full amount you owe on your contract (not just the past due amount) plus unpaid late charges, finance charges and costs we incurred as itemized below. You must pay us the NET AMOUNT NEEDED TO PAY YOUR CONTRACT shown below, plus any other amounts that may become due after the date of this Notice and before your vehicle is sold. To learn the exact amount you must pay, please contact us at the address provided in this Notice, or call us at 866-659-1173. You must pay with a money order, a cashiers check or certified funds, personal checks will not be accepted. <table> <tr> <th>UNPAID PRINCIPAL BALANCE</th> <td>$42,805.02</td> </tr> <tr> <th>PLUS LATE CHARGES AND OTHER COSTS</th> <td>$114.61</td> </tr> <tr> <th>PLUS REPOSSESSION, STORAGE, REPAIR AND PREPARATION COSTS (To Date)</th> <td>$550.00</td> </tr> <tr> <th>PLUS FINANCE CHARGE TO 04/09/2018</th> <td>$233.51</td> </tr> <tr> <th>SUBTOTAL OF CHARGES</th> <td>$43,703.14</td> </tr> <tr> <th>LESS REFUNDS OF INSURANCE PREMUMS</th> <td></td> </tr> <tr> <th>GAP</th> <td>$474.07</td> </tr> <tr> <th>SUBTOTAL OF REFUNDS DEDUCTED</th> <td>($474.07)</td> </tr> <tr> <th>NET AMOUNT NEEDED TO PAY YOUR CONTRACT (NOT INCLUDING AMOUNTS THAT MAY BECOME DUE AFTER THE DATE OF THIS NOTICE)</th> <td>$43,229.07</td> </tr> </table> NOTE If this box is checked and your vehicle was repossessed, you must also provide proof that you have paid the required $15 fee to the appropriate law enforcement authority for the receipt and filing of the report of repossession. The auction will not release the vehicle without proof that the repossession report fee has been paid ☐ NOTE If this box is checked and your vehicle was repossessed you must pay $250 directly to [blank] for storage costs in order to reinstate or redeem your vehicle Please contact [blank] at [blank] for acceptable payment type(s) prior to your vehicle being returned to you at the address listed below. 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. If you have any questions about the sale of your vehicle or any other matters covered in this Notice, please call or write us. We are available at the phone number below from 8:00 AM to 8:00 PM Eastern Time, Monday through Friday <table> <tr> <th>MAKE PAYMENT TO</th> <th>PHONE NUMBER:</th> </tr> <tr> <td>Tru Auto Expressions<br>PO Box 551080, Jacksonville, FL 32255</td> <td>866-659-1173</td> </tr> <tr> <th colspan="2">MAIL TYPE:<br>☐ First Class Mail ☒ Certified Mail</th> </tr> </table> TD Auto Finance NOTICE OF DEFAULT AND THE RIGHT TO CURE AND INTENTION TO REPOSSES NAME AND ADDRESS (BUYER 1) JEREMY WILCOXSON NAME AND ADDRESS (BUYER 2) You are in default of your Retail Installment Contract dated 04/13/2016, on your vehicle described below YEAR 2015 MAKE CHEVROLET MODEL SILVERADO 1500 VEHICLE IDENTIFICATION NUMBER 4537 NOTICE OF DEFAULT: You are in default of your contract because ☑️ You are late in making your payment(s). We may have accepted late payments in the past. Nevertheless, we demand prompt payment now and in the future under the terms of your contract. ☐ You have failed to observe the following requirement(s) of your contract Following is the detail of your past due payment(s) <table> <tr> <th>PAST DUE PAYMENTS</th> <th>DUE DATE</th> <th></th> </tr> <tr> <td></td> <td>12/28/2017</td> <td>$764.74</td> </tr> <tr> <td></td> <td>11/28/2017</td> <td>$762.60</td> </tr> <tr> <th>PLUS FIXED VALUE PAYMENT (if applicable)</th> <td></td> <td>$0.00</td> </tr> <tr> <th>PLUS LATE CHARGES</th> <td></td> <td>$76.37</td> </tr> <tr> <th>PLUS MISCELLANEOUS FEES</th> <td></td> <td>$0.00</td> </tr> <tr> <th>PLUS ADDITIONAL PRINCIPAL DUE - Simple Interest Only</th> <td></td> <td>$0.00</td> </tr> <tr> <th>AMOUNT NOW DUE (not including amounts that become due after the date this notice is mailed)</th> <td></td> <td>$1,603.71</td> </tr> </table> The LAST DAY FOR PAYMENT/CURE is 02/05/2018 RIGHT TO CURE THE DEFAULT: You have a right to correct your default until the LAST DAY FOR PAYMENT/CURE (above) by paying us the AMOUNT NOW DUE (above) and any other amounts that may become due before you cure the default and correcting any other nonpayment default that exists. If you do so, you are no longer in default and you may continue with the contract as though you did not default. NOTICE OF INTENT TO REPOSSES: If you do not cure your default as provided above, we may exercise rights against you under the law. Our rights include the right to repossess the vehicle without further notice to you or court proceeding. We may, in some cases, sue you to obtain a judgment to require you to pay your entire remaining contract balance. If the vehicle is repossessed, or voluntarily surrendered, it may be sold and you may owe the difference between the net proceeds from the sale and remaining balance due under the contract. You may be obligated to pay reasonable costs of collection, including, but not limited to, court costs, attorney fees and collection agency fees. All amounts due stated in this notice must be paid by the LAST DAY FOR PAYMENT/CURE, regardless of any payment due date described in subsequent billing statement(s) you may receive If you have any questions, contact us promptly, at the number below, Monday through Friday from 8 00 AM to 10 00 PM Eastern Time, Saturday from 8 00 AM to 3 00 PM Eastern Time, and Sunday 1 PM to 5 00 PM Eastern Time MAKE PAYMENT TO TD Auto Finance PO Box 16035, Lewiston, ME 04243-9517 PHONE NUMBER (800) 556-8172 PROOF OF MAILING I certify that on the date indicated below I sent by ☑️ First Class Mail □ Certified Mail a copy of the above notice to the person(s) at the address(es) stated in the above notice. SIGNATURE Zaachem Jackson TITLE CSR DATE CERTIFIED / DATE MAILED 01/24/2018