General Motors Acceptance Corp. v. Stoval

872 N.E.2d 91, 374 Ill. App. 3d 1064, 313 Ill. Dec. 331, 2007 Ill. App. LEXIS 716
CourtAppellate Court of Illinois
DecidedJune 29, 2007
Docket1-06-1858
StatusPublished
Cited by53 cases

This text of 872 N.E.2d 91 (General Motors Acceptance Corp. v. Stoval) is published on Counsel Stack Legal Research, covering Appellate Court of Illinois primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
General Motors Acceptance Corp. v. Stoval, 872 N.E.2d 91, 374 Ill. App. 3d 1064, 313 Ill. Dec. 331, 2007 Ill. App. LEXIS 716 (Ill. Ct. App. 2007).

Opinion

PRESIDING JUSTICE QUINN

delivered the opinion of the court:

This case arises out of a cause of action filed by plaintiff General Motors Acceptance Corporation (GMAC) against defendant Lula Stoval, seeking the entry of a replevin order to recover an automobile and damages for breach of contract. GMAC appeals from orders of the circuit court granting judgment in favor of defendant and denying GMAC’s motion to stay the circuit court’s findings and reopen evidence. On appeal, GMAC contends that the circuit court erred in granting judgment in favor of defendant where the court improperly applied notice provisions under section 9 — 611 of the Uniform Commercial Code (UCC) (as enacted by Illinois, 810 ILCS 5/9 — 611 (West 2002)); the court improperly found that GMAC was required to produce a copy of a notice allegedly sent to defendant; and the court improperly held that the failure to provide such notice under section 9 — 611 of the UCC was an absolute bar to the entry of a deficiency judgment against defendant. GMAC also contends that the circuit court abused its discretion by denying GMAC’s motion to stay the judgment and reopen evidence in this case. For the following reasons, we affirm in part, reverse in part, and remand.

I. Background

On July 8, 2005, GMAC filed a verified complaint against defendant seeking to recover a 2002 Chevrolet Cavalier automobile and money damages. 1 Count I of the complaint asserted a cause of action for replevin pursuant to section 19 — 101 of the Code of Civil Procedure (Code) (735 ILCS 5/19 — 101 (West 2002)). Count II sought damages for breach of contract against defendant for the full amount claimed to be due to GMAC pursuant to a sales contract for the vehicle at issue and interest, attorney fees and costs incurred by GMAC.

Defendant was served with process on August 3, 2005, and a replevin hearing was scheduled for October 11, 2005. On or about September 12, 2005, the vehicle at issue was recovered from Birdie Moore, whose address was provided by defendant. On October 11, 2005, count I of GMAC’s verified complaint was voluntarily dismissed with prejudice. The vehicle was sold for $5,300 at a public auction on October 13, 2005.

On March 21, 2006, the circuit court held a bench trial as to count II of GMAC’s complaint. The parties submitted a bystander’s report of the proceedings, which showed that Mike Pappas testified for GMAC and defendant testified on her own behalf. The circuit court received into evidence: (1) a copy of the retail installment contract executed by defendant in conjunction with the purchase of the vehicle at issue; (2) a copy of the certificate of title for the vehicle at issue; and (3) a copy of the “Post-sale Calculation of Surplus or Deficiency Notice” (Deficiency Letter), which was sent by GMAC to defendant.

Mike Pappas testified for GMAC that he was an account collection manager and was responsible for collecting defendant’s delinquent account. Pappas testified that on August 22, 2002, defendant executed a retail installment contract in conjunction with the purchase of the vehicle. Pappas testified that pursuant to the terms of the retail installment contract, GMAC was granted a security interest in the vehicle purchased and GMAC perfected its security interest by recording its lien of the vehicle’s certificate of title. Pappas testified that, on or about April 6, 2005, defendant defaulted on the payments required of her pursuant to the retail installment contract and failed to cure the default at any time subsequent thereto. Pappas then testified that on July 8, 2005, GMAC filed suit to recover the vehicle and collect on the balance due to GMAC pursuant to the retail installment contract. Pappas testified that GMAC obtained possession of the vehicle on or about September 12, 2005, from Birdie Moore, whose address was provided by defendant.

Pappas testified that based upon his review of GMAC’s records regarding the events in question, after recovering the vehicle GMAC sent to defendant a “Notice of Our Plan to Sell Property” (Notice). Pappas testified that the Notice informed defendant that GMAC had recovered possession of the vehicle due to defendant’s default under the retail installment contract and would sell the vehicle at public auction on a date certain if defendant did not redeem the vehicle by making certain payments to defendant. Pappas testified that the vehicle was subsequently sold at a public auction at Milwaukee Auto Auction, in a commercially reasonable manner on or about October 13, 2005.

Pappas testified that the method of sale employed by GMAC was calculated, over the course of the many thousands of transactions that GMAC was involved in, to recover the greatest amount of money for the vehicles sold at the lowest average cost to GMAC. Pappas testified that at the time of the vehicle’s sale, defendant’s account had an unpaid balance of $16,153.97. Pappas testified that the vehicle was sold for $5,300. Pappas testified that prior to the sale, GMAC spent $310 to repossess the vehicle and transport it to the Milwaukee Auto Auction, spent $120 to store the vehicle at the Milwaukee Auto Auction and recondition the vehicle in preparation for sale, and spent $30 on sale costs incurred by the Milwaukee Auto Auction. Pappas testified that after the sale, defendant was entitled to, and did receive, as credits against her account the sums of $131.61 as a rebate of unearned insurance premiums and $325.78 as a refund of defendant’s unearned service contract. Pappas testified that after all appropriate debits and credits were applied, defendant owed GMAC the sum of $10,856.58.

On cross-examination by defendant’s attorney, Pappas testified that he did not have a copy of the Notice to show the court nor had he seen a copy of the Notice prior to testifying. Pappas also testified that the Notice was generated automatically by GMAC’s automated billing and collection software at the time that the vehicle was voluntarily surrendered to GMAC.

Defendant then testified on her own behalf. Defendant testified that she signed the retail installment contract admitted into evidence and that she was listed as an owner of the vehicle on the certificate of title. Defendant testified that upon being served with GMAC’s lawsuit, she agreed to voluntarily surrender possession of the vehicle and assisted GMAC in the recovery thereof. Defendant testified that she did not dispute the calculation of the deficiency balance claimed by GMAC but did dispute that GMAC was entitled to collect the claimed balance. Defendant testified that she received the Deficiency Letter and stipulated to the foundation necessary for its introduction into evidence. Defendant testified that she did not receive the Notice.

Prior to closing arguments, the circuit court asked the parties to address the following issues: (1) whether GMAC was obligated, as a matter of law, to send the Notice to defendant; (2) if GMAC was so obligated, whether GMAC satisfied its burden of proof that it had, in fact, sent the Notice to defendant; and (3) if GMAC had not satisfied its burden of proof on this issue, what was the resulting consequence thereof.

Free access — add to your briefcase to read the full text and ask questions with AI

Related

Boehm Electrical Contractors, LLC v. Edward Rose Development Co.
2026 IL App (5th) 241159-U (Appellate Court of Illinois, 2026)
LK Commercial Investments, LLC v. Albi Express, LLC
2025 IL App (5th) 240892-U (Appellate Court of Illinois, 2025)
The Equitrade Group, Inc. v. Beam
2025 IL App (1st) 221275 (Appellate Court of Illinois, 2025)
Mitchel/Roberts Partnership v. Williamson Energy
2025 IL App (5th) 240354 (Appellate Court of Illinois, 2025)
Mitchell/Roberts Partnership v. Williamson Energy, LLC
2025 IL App (5th) 240354-U (Appellate Court of Illinois, 2025)
Zinkan v. Krones Concrete
2025 IL App (5th) 230471-U (Appellate Court of Illinois, 2025)
Landmark Credit Union v. Burnidge
2024 IL App (2d) 240123-U (Appellate Court of Illinois, 2024)
Hall v. Nash
2024 IL App (1st) 231374-U (Appellate Court of Illinois, 2024)
Veseli v. Jusufi
2024 IL App (5th) 230560-U (Appellate Court of Illinois, 2024)
In re Marriage of Rozdolsky
2024 IL App (2d) 220423-U (Appellate Court of Illinois, 2024)
Overland Bond & Investment Corp. v. Calhoun
2023 IL App (1st) 221804 (Appellate Court of Illinois, 2023)
In re Marriage of Free
2023 IL App (1st) 211466-U (Appellate Court of Illinois, 2023)
People v. Brown
2022 IL App (4th) 210351-U (Appellate Court of Illinois, 2022)
People v. Pope
2020 IL App (2d) 190854-U (Appellate Court of Illinois, 2020)
In re Marriage of Svigos
2020 IL App (1st) 181897-U (Appellate Court of Illinois, 2020)
In re Marriage of Kent
2020 IL App (2d) 190905-U (Appellate Court of Illinois, 2020)
Stola v. American Workman Professional, Inc.
2019 IL App (1st) 182410-U (Appellate Court of Illinois, 2019)
Malek v. Gold Coast Exotic Imports, LLC
2018 IL App (1st) 171459 (Appellate Court of Illinois, 2018)
People v. Rucker
2018 IL App (2d) 150855 (Appellate Court of Illinois, 2018)
In re Commitment of Bice
2018 IL App (2d) 170148 (Appellate Court of Illinois, 2018)

Cite This Page — Counsel Stack

Bluebook (online)
872 N.E.2d 91, 374 Ill. App. 3d 1064, 313 Ill. Dec. 331, 2007 Ill. App. LEXIS 716, Counsel Stack Legal Research, https://law.counselstack.com/opinion/general-motors-acceptance-corp-v-stoval-illappct-2007.