IN THE COURT OF COMMON PLEAS FOR THE STATE OF DELAWARE 

IN AND FOR NEW CASTLE COUNTY 

CREDIT ACCEPTANCE CORPORATION ) 

assignee of ) 

FIRST CHOICE AUTO SALES INC, ) 

 ) 

 Plaintiff, ) 

 ) 

 v. ) C.A. No. CPU4-16-003564 

 ) 

STEWART LIGGON, ) 

 ) 

 Defendant. ) 

Submitted: June 8, 2017 

Decided: July 7, 2017 

Joelle E. Polesky, Esquire Stewart Liggon 

Stradley Ronon Stevens & Young, LLP 7 Greenwich Court 

1000 N. West Street, Suite 1279 Newark, DE 19702 

Wilmington, DE 19801 Pro Se Defendant 

Attorney for Plaintiff 

Jessica A. Kolansky, Esquire (pro hac vice) 

Stradley Ronon Stevens & Young, LLP 

2600 One Commerce Square 

Philadelphia, PA 19103 

Attorney for Plaintiff 

ORDER

COME NOW, this 5th day of July, 2017, the Court, having held a hearing on the 

motions on May 19, 2017 and after consideration of submissions on June 8, 2017, finds as 

follows: 

 1. On November 22, 2016, Plaintiff/Counterclaim-Defendant Credit Acceptance 

Corporation (“Plaintiff”) filed an action against Defendant/Counterclaim-Plaintiff Stewart 
2 

Liggon (“Defendant”) for defaulting on a retail installment contract for the purchase of a 

2007 Chevrolet Impala (the “Vehicle”). The contract was assigned to Plaintiff from First 

Choice Auto Sales, Inc. (the “Dealer”). 

 2. On December 30, 2016, Defendant filed an Answer and Counterclaim, 

alleging the Vehicle was a “lemon.” Defendant also claims the Dealer failed to provide him 

with a copy of the Vehicle’s “CarFax” after requested. Additionally, Defendant claims he is 

the “victim of fraudulent business practices,” and seeks punitive and compensatory damages 

against Plaintiff. 

 3. On January 23, 2017, Plaintiff filed the instant Motion to Dismiss and Compel 

Arbitration, alleging the retail installment contract Defendant signed contained a provision 

which requires arbitration of both Plaintiff’s claim for breach of contract and Defendant’s 

counterclaim related to the quality of the vehicle. 

 4. On March 3, 2017, the Court held a hearing on Plaintiff’s Motion to Dismiss 

and Compel Arbitration, at which Defendant failed to appear. However, Defendant’s 

mother, Elizabeth Liggon (“Ms. Liggon”), appeared attempting to represent Defendant and 

asserted—over objection of Plaintiff’s counsel—the issue of Defendant’s competency to 

enter into the retail installment contract. The Court passed the motions until May 19, 2017, 

and permitted Defendant leave to “file any motion raising the issue of competency within 

twenty (20) days.” 

 5. On March 23, 2017, Ms. Liggon submitted a letter to the Court, on behalf of 

Defendant, stating Defendant suffers from dyslexia and cannot read. Ms. Liggon requested 

Defendant “be given the help he needs to understand these proceedings and anything else he 
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is asked to sign.” Furthermore, on April 7, 2017, Ms. Liggon submitted another letter to the 

Court, in the form of a motion, requesting the Court appoint counsel to represent 

Defendant. On May 12, 2017, Plaintiff filed a Response in opposition of Ms. Liggon’s 

motion to appoint counsel and a cross-motion to strike Ms. Liggon’s motion to appoint 

counsel. 

 6. On May 19, 2017, the Court held a hearing on Plaintiff’s motion to dismiss 

and compel arbitration, Ms. Liggon’s motion to appoint counsel, and Plaintiff’s cross-motion 

to strike Ms. Liggon’s motion to appoint counsel. At the conclusion of the hearing, the 

Court reserved decision, and ordered supplemental briefing. 

 7. In Delaware, only attorneys admitted to the Bar of the State of Delaware or 

attorneys admitted pro hac vice may appear before the Court on behalf of another individual.1

 

Any attempt by a non-attorney to appear before the Court on behalf of another is 

considered the unauthorized practice of law.2 The Delaware Supreme Court has held: 

“The unauthorized practice of law is prohibited so that members of the public 

will receive legal representation only from a person who has demonstrated his 

or her competence to practice law by passing the bar examination, as well as 

the character and fitness examination, and who is subject to the Delaware 

Lawyers' Rules of Professional Responsibility.”3

8. In the instant matter, Ms. Liggon has filed a motion to appoint counsel on 

behalf of Defendant. Defendant claims Ms. Liggon performs all of his legal work because 

he does not understand legal proceedings.4 Ms. Liggon is not a party to this litigation. 

 

1 See In re Estep, 933 A.2d 763, 766 (Del. 2007).

2 See id. 

3 Id. 

4

 Although Defendant claims he does not understand these legal proceedings, his assertion is not supported 

by the record. Attached to Plaintiff’s supplemental briefing are dockets from several cases filed by 
4 

Moreover, Ms. Liggon is not an attorney admitted to the Bar of the State of Delaware—or 

to the Bar of any state for that matter. Therefore, when Ms. Liggon filed a motion on behalf 

of Defendant, she was engaging in the unauthorized practice of law, and as such the motion 

is not properly before the Court. Accordingly, the motion to appoint counsel filed by Ms. 

Liggon is DENIED and Plaintiff’s cross-motion to strike is GRANTED. 

9. Plaintiff also brings a motion to dismiss and compel arbitration, arguing the 

Court lacks subject matter jurisdiction over this dispute because the parties’ financing 

agreement contains a provision which provides for arbitration. Specifically, Plaintiff 

contends the language of the arbitration clause requires the arbitration of any disputes: 

“arising out of or in any way related to this Contract, including but not limited 

to, any default under this Contract . . . the purchase, sale, delivery, set-up, [or] 

quality of the Vehicle . . . . “Dispute” shall have the broadest meaning 

possible, and includes contract claims, and claims based on tort, violations of 

laws, statutes, ordinances or regulations or any other legal or equitable 

theories. 

. . . 

Either [Defendant] or [Plaintiff] may require any Dispute to be arbitrated and 

may do so before or after a lawsuit has been started over the Dispute or with 

respect to other Disputes or counterclaims brought later in the lawsuit.”5

10. Defendant opposes Plaintiff’s motion to dismiss and compel arbitration, 

arguing the Court should not enforce the agreement because he did not read nor 

comprehend the arbitration provision. In support of his position, Defendant maintains he 

suffers from dyslexia and only has an eleventh (11th) grade education. However, Defendant 

 

Defendant. The record shows that Defendant has previously filed actions in the Superior Court, U.S. District 

Court of New Jersey, U.S. District Court of Delaware, 3rd Circuit Court of Appeals, and U.S. Bankruptcy 

Court. Therefore, Defendant cannot maintain ignorance of this Court’s proceedings, when he is able to

litigate in courts with more complex rules of civil procedure. 

5

 Plaintiff’s Motion Ex. A at 5. 
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concedes that he entered into the retail installment contract for the purchase of the vehicle 

without the assistance of Ms. Liggon—because he wanted to purchase the vehicle on his 

own. 

11. A motion to dismiss based on an arbitration clause goes to the court's subject 

matter jurisdiction over the dispute and is properly reviewed under Court of Common Pleas Civil 

Rule 12(b)(1).6

 When considering such a motion, the Court may consider documents outside 

the complaint, including the arbitration agreement at issue.7

 In Delaware, “courts lack 

subject matter jurisdiction to resolve disputes that litigants have contractually agreed to 

arbitrate.”8

 The arbitration clause in this matter is governed by the Federal Arbitration Act 

(the “FAA”).9 Section 2 of the FAA provides: 

“A written provision in any maritime transaction or a contract evidencing a 

transaction involving commerce to settle by arbitration a controversy 

thereafter arising out of such contract or transaction, or the refusal to perform 

the whole or any part thereof, or an agreement in writing to submit to 

arbitration an existing controversy arising out of such a contract, transaction, 

or refusal, shall be valid, irrevocable, and enforceable, save upon such grounds 

as exist at law or in equity for the revocation of any contract.”10

12. Both Federal and Delaware public policy favors resolution of disputes through 

arbitration. As such, the Court will grant a motion to dismiss for lack of subject matter 

jurisdiction when the dispute clearly falls within the arbitration clause of the contract.11

 

However, a party may waive their contractual right to arbitrate by actively participating in a 

 

6 See NAMA Holdings, LLC v. Related World Mkt. Ctr., LLC, 922 A.2d 417, 429 (Del. Ch. 2007). 

7 See Acierno v. New Castle County, 2006 WL 1668370, at *1 n. 8 (Del. Ch. Jun. 8, 2006). 

8 Id. 

9 See Plaintiff’s Motion Ex. A at 5.

10 9 U.S.C. § 2. 

11 See NAMA Holdings, LLC, 922 A.2d at 429; Healy v. Silverhill Const. Co., 2007 WL 2769799, at *1 (Del. Com. 

Pl. Sept. 19, 2007).
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lawsuit or by taking actions inconsistent with their right to arbitrate.12 This waiver is not 

lightly inferred, and “the party seeking to prove a waiver of arbitration must do so by clear 

and convincing evidence.”13 When considering whether a party has waived its right to 

arbitrate, the Court must analyze three factors: (1) the amount of non-arbitration action a 

party takes in prosecuting or defending a claim; (2) whether the party stated that they will or 

will not be moving to enforce the arbitration provision; and (3) whether the nonmoving 

party would be prejudiced by an untimely demand for arbitration.14 

13. In the instant matter, the retail installment contract signed by Defendant 

contains an agreement to arbitrate. Although Defendant claims he did not read the 

arbitration provision, “a party to a contract cannot silently accept its benefits and then object 

to its perceived disadvantages, nor can a party's failure to read a contract justify its 

avoidance.”15 In reviewing this agreement, I find that Plaintiff’s claim for breach of contract 

and Defendant’s counterclaim related to the quality of the vehicle clearly fall within the list 

of “disputes” the parties agreed to arbitrate. Therefore, the pivotal question the Court must 

determine is whether Plaintiff’s actions in the course of this litigation evidence a clear intent 

to waive arbitration. 

14. Plaintiff filed the instant action on November 22, 2016. On December 30, 

2016, Defendant filed an answer to the complaint, as well as a counterclaim related to the 

quality of the vehicle. After Defendant raised a counterclaim, Plaintiff moved to pursue 

arbitration and filed the instant motion on January 24, 2017. The record does not show that 

 

12 Healy, 2007 WL 2769799, at *1. 

13 Id. 

14 Healy, 2007 WL 2769799, at *2. 

15 Graham v. State Farm Mut. Auto. Ins. Co., 565 A.2d 908, 913 (Del. 1989). 
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the parties engaged in extensive litigation or discovery. Further, Defendant has not shown 

how he would be prejudiced by Plaintiff’s demand for arbitration. Therefore, I find that 

Plaintiff has not waived its right to arbitration. Because I find that a valid arbitration 

agreement exists between the parties and the parties’ claims fall within the scope of the 

agreement, Plaintiff’s motion to dismiss and compel arbitration is hereby GRANTED. This 

matter is dismissed and will proceed to arbitration. 

IT IS SO ORDERED. 

 

 ____________________________ 

 Alex J. Smalls 

 Chief Judge