791 A.2d 1041 FORD MOTOR CREDIT COMPANY, Plaintiff-Respondent, v. GILBERTO ARCE, Defendant-Appellant. A-3166-00T1Superior Court of New Jersey, Appellate Division.Argued February 4, 2002 Decided February 26, 2002 On appeal from Superior Court of New Jersey, Law Division, Special Civil Part, Middlesex County, Docket No. DC-9718-00. Page 199 Gail Chester argued the cause for appellant (Middlesex County […]