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Home My WebLink About96-01575 1 ~ ~ & ~ ~ ~ .- ,/ /" J ~ v., ~ ''I :~ H ~1 .....1 , i 1 .. r f ,..,I , } ,J ~- .-.' '} ,f, '-- B () 'J -:r f'- .. 0 \1J ).. IJ lfi I:) l.(l G0 "1- ( (~ (J Ii) l;\ .:J 'J I' , 'of- '::t ('J r{l if]: W H ":t ,I :i ,.( ~ -' r,~ . .- -~~ ;'jl ..... ,.... :,; :J .a: , [I- " :,,j .:::f ,', :) 0. ;1_' ".g .J,..... . - _.)n tr~ 'oj ;-~~ ii: (g ....j '. '.14.1) . OOIJllHa"'rn'pol~lllOlJl "'I_.....~....,I""I".~.. lY'JI1li.Y1'i ]l'f . 6. The following amounts are due on the mortgage: Principal Balance Interest 4/1/94 through 12/1/95 (Per Diem $15.71) Attorney's Fees Cumulative Late Charges 8/13/92 to 12/1/95 Cost of suit and Title Search Subtotal $67,450.70 9,567.39 3,372.00 445.54 750.00 81,585.63 Escrow Credit Deficit Subtotal 0.00 1. 586. 64 1. 586.64 TOTAL $83,172.27 7. This action does not come under Act 6 of 1974 because original mortgage amount exceeds $50,000.00. 8. The Temporary stay as provided by the Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983, has terminated because Defendant(s) have failed to meet with the Plaintiff or an authorized Credit Couseling Agency in accordance with Plaintiff's written Notice to Defendants, a tr.ue and correct copy of which is attached hereto as Exhibit "A". 9. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. S 1692 et seq. (1977), Defendant(s) may dispute the validity of the debt or any portion thereof. If Defendant(s) do so in writing within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will obtain and provide Defendant(s) with written verification thereof; otherwise, the debt will be assumed to be valid. Likewise, if request~d within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will send Defendant(s) the name and address of the original creditor if different from above. WHEREFORE, PLAINTIFF demands Judgment against the Defendant(s) in the sum of $83,172.27, together with interest from 12/1/95 at the rate of $15.71 per diem to the date of Judgment, and other costs and charges collectible under the mortgage and for the foreclosure and sale of the mortgaged property. '1-;- tit, ~~ r ~ /s/ Frank Federman FRANK FEDERMAN, ESQUIRE Attorney for Plaintiff @ ~.",lIon Mortgage Company \ ~J Tnv\, Sueet Hou"on, T."", 1700~. J~9q "-' ........'NCI "oo..,s P 0. 80' 2SSl HllU\ton. Te1JS 112~2. 288" 71J,llHOOO PAGE 2 IF YOU ATTEND TO FACE.TO.FACE MEETING WITH THIS LENDER, OR WITH A CONSUMER CREDIT COUNSELING AGENCY IDENTIFIED IN THIS NOTICE, NO FURTHER PROCEEDINGS IN MORTGAGE FORECLOSURE MAY TAKE PLACE FOR THIRTY (30) DAYS AFTER THE DATE OF THE MEETING. A MELLON MORTGAGE REPRESENTATIVE CAN BE REACHED AT: P.O. BOX 2885 HOUSTON. TEXAS 77252-2885 3100 TRAVIS STREET HOUSTON, TEXAS 77006- 3699NSUMER CREDIT (713) 535-7000 1-800-6')7-5126 SEE ATTACHED SHEET IT IS NECESSARY TO SCHEDULE ONE FACE-TO' FACE MEETING. YOU SHOULD ADVISE THIS LENDER I~~EDIATELY OF YOUR INTENTIONS. IF YOU HAVE TRIED AND ARE UNABLE 1'0 RESOLVE THIS PROBLEM AT OR AFTER YOUR FACE-TO-FACE MEETING. YOU HAVE THE RIGHT 1'0 APPLY FOR FINANCIAL ASSISTANCE FROM THE HOMEOWNER'S EMERGENCY ASSISTANCE APPLICATION WITH ONE OF THE DESIGNATED CONSUMER CREDIT COUNSELING AGENCIES LISTED ON THE ATTACHED SHEET. AN APPLICATION FOR ASSIS- TANCE MAY ONLY BE OBTAINED FROM A CONSUMER CREDIT COUSELING AGENCY. THE CONSUMER CREDIT COUNSELING AGENCY WILL ASSIST yOU IN FILLING OUT YOUR APPLICATION AND WILL SUBMIT YOUR COMPLETED APP- LICATION 1'0 THE PENNSYLVANIA HOUSING FINANCE AGENCY. YOUR APPLICATION MUST BE FI~ED OR POSTMARKED. WITHIN THIRTY (30) DAYS OF YOUR FACE-TO-FACE MEETING. IT IS EXTREMELY IMPORTANT THAT YOU FILE YOUR APPLICATION PROMP- TLY. IF YOU DO NOT DO SO, OR IF YOU DO NOT FOLLOW THE ORDER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY ~m YOU WILL FOREFEIT YOUR ELIGI- BILITY FOR ASSISTANCE. EXHIBIT "An -- .......-... .......H ,... ...- ...... ,..., -- ......... -. .......-.~ - _.,. I ,___ --- ....,.,- -- ".4--. ..- --...- _Cllt____~__.. -- ...... ...-- -..... M __ ""--...,.....- ...,11..... .......-... ""....- ..."""............... ....-- -- ..... a...... &---. -.-. ..... .- --~~........-.,. -~... -......... --- -"'It 1_ .....,..,. -- . -.....-.... -..,.. I'" "'".....,., ----..... 1-- .............- ....,. I'" ............. ........ -..... j ................ -............ ------ .-~ --................. , "-..........., A4 1"'--"- j .'It '... , ""....." 11'llt.'-'.... 1'-- : MlMAU.I't~ CIlMiInIl i ..._.-- i~,,,,,,. .....,..... ...- --- PI!NNSY1.VANIA HClUSlNG "'NANCI AGINCY HOMl!OWNl!R'S I!M!IIGINCY MOIITGAGl! AUlSTAHCI! 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'--. ~. - MClUIIG CICUQ, _..... III N.......... .....,. II... ",I1I11ol'" ...'"....".. -- - --... t. ..... .... .-0.... ~..... II. IItM t'laI""" ..~........" -- ....... ...... ....... ....... I .... II If...., C8ft'II'- Ie __.- "--ca ... .. -.... ...". '... "'..- ..............1... -- ~ .. ...................... IIDtrOII~QIlIl& ... r _ _ ....... a... -... .--".'" -- ..""4...... -- ..... o..e... 0--. _.......... - I IGffaCIIMfca.trm~__ _ 0... ......." --... ,... .,,,,,,.- ".'.""1111 -- -... EXHIBIT "A" EDWARD B. KROMER 1106225 VERIFICATION ELLEN HANSON hereby states that he/she is ASSISTANT SECRETARY of MELLON MORTGAGE COMPANY mortgage servioing agent for Plaintiff in this matter, that he/she is authoriaed to take this Verification, and that the statements made in the foregoing Civil Action in Mortgaga Foreclosure are true and correct to the best of hiS/her knowledge, information and belief. The undersigned understands that this statement i~ made subject to the penalties of 18 Pa. C.S. Seo. 4904 relating to unsworn falsificatio~ to authorities. J I I:lt/.J /(0)/j,!~, a/j- 2LLEN HANSON ASSISTANT SECRETARY DATE: ?JII11~ ,- '.'J f'"; C III -, i>~ lL _ (;' ,J-,;:; t::l t':' , , " C': " ... I' r- :.:.) 0 cr u ... .' J . 1 ,< ~ '" '-' "I <:i "'~ ; ~ 1~) '" 0 I pi ~..~ "f"&. Q <. LI: <~ 1;1 ~ h i!ia ~ != c 31 Q" 0 'J J ~ ~~ ~ i ~ ~ j; H ~ .. ~ ~ ~~ ..- 2 ~. 0(- !J ill;: g '" ~;l: .1 u ~C:C :u j:g ~ !l- ~-= ~ ,.. 3~ I .j ..~~! j l,d;l ';0 cc n i'j-a ,] bj8~ ~ .!:occ ~ .. . ~ o \U '< ~o ~o '" . . .. ! I <ii '" e-o .... Q '" I ~ ~ ~ .. '" i : ~ z . ~ :3< '" '" :z< :iN ...:i :x:o..N o.. 0 "'- "''''''' :;jS;- "'< :ZUo.. ~:z . ;;;:z< "''''...l "'o..- ... "" "'No.. ~ . ....... ~ li~ JH . - j ~ ~ '" '" ... :>: o '" '" ~ 6....:~~ -~>~"''''''',~.' ,.., .,t .;' (if ' r'} ~ "'O?~" ,:' . "." ...~ . .'..:1.... "51. ../ ..:- liMit , Ili~Jt ! Illia j 1) J .' J b lUll ~ Jih it [;1 jJlf:! ~t'lU U~~jh ! ! ~i;~~! ~ ~h~ilj :j j~ iH 1 ::i ~~=~ljl :! 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"(/J' _ .7', 0:- - Q ~ l- I/) ~ :::I " ~ ::: ll: ~ ~ ~ H ~ ~ lie" - . - ~-~ ",:.. c- c ;- " " , , L~ t, c.;.>; -;..., C_" Lt \"" c:: ., c; " :.) ".L 1- 04 ,,- r- .-:.. 0 w' U Jo MELLON MORTCAGE C01~~i,m ~UKU~"LAND COUNTY ':'..JU!,'l' Uf COMMON PLEAS CIVIL OIVISION vs. EDWARD B. KROMER CAROLYN M. KROMER NO. 96-1SH ("; ::J n 'of 1'1 l i Ill" I I I III tl,.\ .d.".,\j.,' .';1). ; ,-l,': (.....t II <I;' ....1 L,;'-,'llt . _,Ii ..cL; t i ll'd (',:.Il \..t"C_'i,-,ct ',' !Ul.'dt...d dt :' "I ", - " "J " ~ \ ) ofL't ~on, by its,: ct.", date: th~,: tt.", l'ol1€iwi(1ij 1,~.Q CRAIV~ G~r ~-- AMENDED AFFIDAVI'l' ~Ul':':UI\Il'l' '1'0 RULE 3129 li\tnc!.:lvit .:... 1) .' '" \ ,: ~ ME.kt..ON..MQR'I'GAGE CU,'lP;,rj'{, attorney, FRANl( fTUl.I':>':'::, praecipe toc tilL' I,-;cit ,){ informat Lon conCllI'n i.lhJ tll'_' ROAD. CARLJ,,~L~..._!,An 1,701]. 1. Name and ":H.1dn:...'s:~ ,::.,t U'.-:I1~:r(:-',) ul" l",.'l_dt.t..!d O'..:n~r:(:::j): NAME I.;,SI' 1',!lU,m ADDRESS (~I' address L' lllllut Lv t't'.\~~o[hluly ~,scertained, i,Lt..I.',,,-, :'U lrl\.lLcdtt.;') EDWARO ll, ,};RQMER l~~ CKAIN9 CAP ROAP ..:....~L:;L;;t k-'~ l7l!~~ ~LYN M. K~QMER 1:> u~,'i,IjI9.nGALRQ&~ Cill<LISLE, ..\'b,__~ 7011 2. Name ilnd '-lddress O[ [)c>[('nd"nt(,:) ill tt._, judqment: NAME l.i\~; [' i-:1I0\'HI ADDHESS (i f address ,',IIIII,"r 1)1.' rbIC;onably ilscertained, ! I'_"i'.-'" ';0 indie':'lte) SAME AS j>.BO'l~ ) . Ndme ~ll\d d'.11I"l''-" .t ." I')." judqment i~~ _\ !'l..'{.ut ~l L ."(1 ,J, lli" II t ,_;:' ';,'IIU~;l..' Ii (JL"'jIJ~:L.tY t.o be sold: NA,ME " ,l It,'"" ,\iJUIH::SS (If address '_'IIIII'..lt I)..' l":'l;~ui\~djly ascertained, ljl!.' 1.-"'1.' ;-~,j illdicdtl~) l!.QHli '>- (') ; r:-. c; ;:; I 1.1 ~~ f) ~ '. 1'.- 1.._ Q, 1,' 0", (- ';'1 lJ.1 G.:' , - f L~ " t-- :.:J u C" , , 'J ,-- . . PRAECIPE TO \ RJ!-ISSUE WRIT or IlJ(ECUTION PRAECIPE FOR warr OF EXECUTION-(l'YIORTGAGE FORECLOSURE) P.R.C.P. 3130-3133 ....~..!!Q."Iff6liJ...(;lltllM'L_.................. IN THE COURT OF ComlON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ...--....-....................-..-...-......-."...........- VI 96-1575 . NO............................................._..._T.nn 19....... , \ ...ItlIIAIIL.8.....lIIltfJlJ1.......;....:.._........:......... . - PRAECIPE TO'RI!-ISSUE WRiT or EXECUTION - PRAECIPE FOR WRIT OF EXECUTION (MORTGAGE FORECLOSURE) cABoLYB M. KRl>>IER . ........._.n..................__...._.._......._.._......~............ - To the Dir.ctor oC the OCfic. oC .-:-... .. Issu. writ ot .:ucution fi. the abol" matter: . Amount Due '- $..B.:l..lll..027........ ' 'i~ 1/,/17 Interest trom 12/V97 TO SALE $............................ and Costs. ^' 1>'.71 '" '.'dd._ ... .... ._. AIIOT7l!Y I~r th, Plllinli8(1) '..' Not.: PI,as. attach description oC Prop,rty. Vi c; t- ..s. -\ . ~ '<::.) ~ f' "J ~ '\) .... .... " \:r- ............ ,- 0' ~ " oJ I (~ 1l1( , ~ ( I ..' r'\ ... \"'-- <- .J .. ",/", ,I- ( )1 \ ... ~, w --::!-- ~', U' ..., ,I , ,. 'I ~ ", I' l .~ ' ~_l... ~ - '.1 - u. ,.. , C.. cr .J \..Y:l ~ 's-- IX:) ~ ...... f'l \:s'-- '<) '~ --~ ~\n' ~~ .... 0'. L,: ..:J ,.-~ v: U,ll (', . .. C-'I ~. J " -- y~ .. ..' ; C,;:/ -; U,!l _.J, C " J L:,'> ..... ,I- r' ,.. .. 1I r- V cr t"~ ..,., O. ;.l, ~' ,'~ 111' ~} " ,'- ~... l,." y: ,_. '-' , u.' _.1, c:: ~ L,. '- 'L; r::: .,;. '.#' U You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS ZVEM Ir THE SHERIrF'S SALE DOES TAKE PLACE. 1. be sold calling If the Sheriff's Sale to the highest bidder. 12151 563-7000. is not stopped, your property will You may find out the price bid by 2 . sale if of your You may be able to petition the Court to set aside the the bid price was grossly inadequate compared to the value property. 3. The sale will go through only Sheriff the full amount due in the sale. happened, you may call (215) 563-7000. if the buyer pays the To find out if this has 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff on This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO MOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFrICE LISTED BELOW TO rIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY COURT ADMINISTRATOR 4 th floor Cumberland county Courthouse (717) 240-6200 ALL THAT CERTAIN lot or parcel of land, SITUATE in the Township of North Middletown, County of Cumberland and Commonwealth of Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the Southwestern side of Crane's Gap Road (LR 21031), 24 feet from the center line at the Eastern corner of Lot NO. 7 on the hareinafter mentionen plan of lots; thence by the Crane's Gap Road (LR 21031) by a curve extending to the right and having a radius of 3,520 feet an arc length of 14.52 feet; thence by Crane's Gap Road (LR 21031) South 45 degrees 0 minutes 31 seconds East, a distance of 71 foaet to a point at Lot No.5; thence by Lot No.5, South 43 degrees 59 minutes 29 seconds West, a distance of 125 feet to a point; thence North 46 degrees 0 minutes 31 seconds a distance of 85 feet to a point at Lot No.7; thence by Lot No.7, North 43 degrees 45 minutes 18 seconds East, a distance of 124.97 feet to a point the place of beginning. BEING Lot No. 6 on a final subdivision plan on 10 lots recorded in Cumberland County Plan Book 53, Page 22. CONTAINING 10,656.992 square feet or .2447 acres. BEING known as 150 Crains Gap Road, a/k/a Crane's Gap Road, Carlisle, PA 17013. PARCEL NO. 29(151251)51 TITLE to said premises is vested in Edward B. Kromer and Carolyn M. Kromer, husband and wife, by Deed from Robert e. Goodling and Judy J. Goodling, husband and wife, dated 7/23/92 and recorded 8/11/92 in Deed Book V35, Page 272. SEIZED in execution and to be sold as the property of Edward B. Kromer and Carolyn M. Kromer. ... ell 1.1. ..:l ~. .. ,.,j :; ~ lLI~' , C? ; ~. : [c.. u.. j I.,. 0' 1 ' ... c.J' " ~'1: ' ( J L...:' n. ~1- I ~, I'. r- <..' 0"' ) WK~REFORE, Defendants pray this Honorable Court to continue Plaintiff's foreclosure action pending resolution of the case at Docket number 94 Civil 2988. Respectfully submitted, ARTHUR T. MCDERMOTT & ASSOCIATES c< ~. ~t.fZ <:..:- > Arthur T. McDermott, ~8qulre 50 East High Street Carlisle, PA 17013 (717) 243-7807 ~ of triable fact. Driscoll v. Carpenters District Council of Western Pennsylvania, 370 Pa. Super. 295, 536 A.2d 412 (1988). A summary judgement is to be entered only in the clearest of cases where there is not the slightest doubt of triable fact. Cercone v. Cercone, 254 Pa. Super. 381, 386 A.2d 1, 3 (1978) Defendants ~ created a genuine issue of material fact. As their answer says, "Defendants dispute the validity of the debt and demand verification thereof." As the answer and the record also make clear, Defendants have sued the sellers of the property at 150 Crain's Gap Road, Robert E. Goodling and Judy S. Goodling for rescission, due to many serious defects in the home. See Appendix F of Plaintiff's Brief. The title itself to the property is thus a matter of dispute. Plaintiff relies heavily on Pa.R.C.P. 1029(b), which requires a specific denial of the opposing parties allegations. But Defendants here have specifically alleged that the title to the property is in dispute. Defendants have also specifically alleged that there is a dispute over the validity of the debt. The validity relat9s not only to payments that Defendants mayor may not have made but also to the defects in the home itself. These defects include deteriorating concrete blocks, cracking jambs and frames, roof and warped siding, and many other defects more fully listed in the Defendants' Third Amended Complaint against the Goodling_. See Appendix F of Plaintiff's Brief. If Plaintiff or its agent inspected the home and negligently failed to uncover discoverable defects or had actual knowledge of the defects, or that gave rise to them, then Defendants might have a counterclaim 2 against Plaintiff invalidating their debt to it. This dispute over validity of the debt should satisfy the court that there is an issue of triable fact. IV. CONCLUSION For all the reasons described above, Defendants request that the court dismiss Plaintiff's motion for summary judgement. Respectfully submitted, ,~J i,rr'fG Dat /tJ"'Yl U~ (.J~'/) It;' ~hn Wesley Weig'l III, Esquire 50 East High Street Carlisle! PA 17013 (717) 24..$-1985 3 AFFIDAVIT OF SERVICE I hereby certify that I am this date serving a copy of the attached Brief in Opposition to Motion for Summary Judgement on the attorneys for Plaintiff: Shawn A. Bozarth, Esquire 120 South Street Harrisburg, PA 17101 Michele M. Bradford, Esquire Federman and Phelan, P.C. Suite 900 Two Penn Center Plaza Philadelphia, PA 19102-1799 Service by first-class mail. ?:tf.J- ~ trr6 Dat , J n Wesley We gel I 50 East High Street Carlisle, PA 17013 (717) 243-1985 AUG-13-96 TUE 13,~e P..02 , , " FEDERMAN ~ND PHELAN 8YI Micnele M. Bradford, Esquire Identification No, 69849 TWo Penn Center Plaza - 8uite 900 philadelphia, PA 19102 Attorney for plaintiff (315) 561-7000 IillU2llf MORTGAGI COMPAN'i . 3100 TRAVIS STR!!'l' 1 COl/RT OF COMMON PLEAS HOUSTON, TX 77006-3899 I CIVIL DIVISION vs. CUMBERLAND COUNTY NO. 96-U15 IDWARD 8. ~RnMER CAROLYN M. JROMP.R 150 CRAINS GAP ROAD tABLlSLI. PA ~13 CONSENT JUbO~ AND NOW, This ~ day of ~vJv;1 , 1996 it is hereby alJreed by and betwssn Mellon Mortqaqe Corporation (hereinafter "plaintiff"), by and through its counsel, Michele K. Bradford, and Edward 8. ~romer and carolyn K. ~romer (hereinafter "Defendants"), by and throu9h thelr counRR1, John W. Weiqel III, a. follows. WHIR"AS, Plaintiff is the holder of the Mortgage on the property, looated at 150 Cralna Gap Road, Carllsle, fA 17013 (har.tnafter I'eferred to u "Kortgaged prelllhe."); WHIRIAS, Defendant, arR the mortgagor. and real owners of the Mort9aged pr..ls..; WHIRKA', the mortgalJe 1, In default because monthly payments of prIncipal end Intereet upon said Illortgaqe due May 1, 1994 and each month thereafter aro due and unpaid; WlIIIl""O, by the ter",1I of Mid mortgago, upon default in s\lch fIlIY.S/lt,. tor a pulod of one month, the flntire prinoipal balanoe ."" . U 'u'--rellt due thereon are due forthwith1 W"'IlIlA'. Ph Int 1 U f !led . mortgaqe foreoloaure complaint .Indt.er t.he "Complaint") aqa1net mortgllgors on March 22, 1996; 1 l AUG-13-96 .,.. \.. , TUEi: 13:4121 P.03 . '. WHERt.AB, the parties to thia Consent Judgmene are deeirou. of resolving the iaaues raised in the Complaint. AND NOW THEREFORI, each in consideration of the promise. to the other, to be legally bound thereby, Plaintiff and Defendants agree a. follows, 1. That an in ~ judgment shall be entared by the Court in the .u~ of $83,172.37 plus interest from December 1, 1995 at the rate of $15.71 per diem and other costs and charges oollectable under the 1II0rtgage, and for the foreclosure and eUe of the Mortgaged premises. a. That Detendants' Answer shall b. disll'llissed with prejudice. 3. That in any future bankruptcy filing by Defendant., the automatio stay will not apply to Plaintiff'. mortgage foreclosure aotton. 4. That in the event that, prior to a Sheriff'. Sale, it i. determined that Plalntiff has expended sums with regard to the Mortgaged Premise., inoluding but not limited to real estate taxa. and insurance, or if Defendants have made such payments, and a credit against tha judgment is due, then Defendants vi11 stipulate with Plaintiff to the reassessment of damages in order to increa.e or decrease the judgment to reflect the expenditure and/or pa)'lllent. made by Plaintiff and DefendantB, respectively. 5. That Defendants w111 peacefully vacate tne Mortgaged Pre~ises by Friday, November 1, 1996, and will ensure that the Mortgaged Premises will rema in vacant until Plaintiff or it. assignee takes possession of the Mortgaged Premises. 6. That Plaintiff may currently list the Mortqaqed pre.ises 2 p.04 AUG-13-96 TUE .3.4. .~. . ., tor Sheriff" Sale, but the Sale will not occur before November 1, 1996. 7. plaintiff aqree. to withdraw without prejudice ita Motion for Summary Judgment, In consideration of Defendante' consent to the vithin consent Judgment. 8. That thh Consent Judgment may be executed in oounterpart. 9. The attorneys exeouting this consent Judgment have done so only after havinq di.cu.sed the termS vith their r..pective oUante and having obtained their con.ent to b8 bollnd by the terms of this consent Judgment. Datel_JiJi Cj Il.n, 1,! lJ 1 l\...., )fichl cnele M. 8ra or, !squ Attorney tor plaintiff -ie~ w U~j)1J[ n w. weigel Ifl., Esquire Attorney for Defendants Datal (M..,I/,-J 17/(<[(;. CONSENT JUDGMENT APPROVBD BY THE COURTI .1..../a6' Date~' -fwd\. ] ,,"_,J _ , . ,... - .-- \ PRAECIPE FOR WRIT OF EXECUTION-(!dORTGAGE FORECLOSURE) P.R-C.P. 3180-3183 ...!:I!h!:.9.~..~9~.T.g~!!Ll:.Q.t!r.~~X......................... IN THE COURT OF CO~I:'tION PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA .....-....-......................-...-.......---............ VI \ No................~.9.::J.?I?..............._.......T.rin 19....... " EDWARD B. KROMER .......--.........................................-................... CAROLYN M. KROMER ...-.__.....................__.........._....._.........~............ PRAECIPE FOR WRIT OF EXECUTION (MORTGAGE FORECLOSURE) ... To the Dir.ctor of the Oeric. of .a-:- ~ Issu. wtit ot .:tlCuUon in the abo\'. matter: . Amount Du. $.IlJ.,J.7.~.,.U........ " \' . Interest trolD 12/\/9;-SALE AT $............................ and Costs. $1;.71 PER DIEM " f1L(U,li' 1\:,,1., !\VVlfIUi ...............;f .JjI.l..*-lw.Ul..u.u. .........-. . ...---.. AtlOT7l!Y lor ch, PI4inCi6(,) Nott: PI.as. attach description of Property. .. ~i-~ I J I '" ~. .... ~ ~ .. u Eo; ~ , I I I I I ! ~I ~ ~I I J,i I "'. !, I i cl cl Z Z Q 0:> I , I '" ... llr.:: Oz cr.< <> C=l.,J ...:,.. c.:n ~ ~~ l!. .... "1 :l!'";. I 8~ : ::.z i O~ I i;;8 ! ~o i 8~ . !'... ! = " ~ ~ ,.... c:l cl Z:E Z -::l U -. i_ I.. Z ,- 0 i~ fj ..... " Iii 5 ~~ ~~ > .. tJ' 00 :t C=l.... "'... .! ><~ ..... t:: = i~ ~~ ... ~ "".9 " '" ~ 0" ~' !~ en :: .. ;z; . " '" fool; :~ ~ 0 2(:. u ~~ -' r ~~ u.... c '" ~~' '" c::~ ! C3 . !;l .:0: 0;:: .z. ::. Q .. ~ . - ~ en "';z; C=l'" ~ > ~~ c.,..... i ;z; u I 3 ~~ ::: .. I, il ....l < 11 < ;oj ~ I :- ~ - ~ - , ~J CJ ~, >G ~ r -' " .., .'.l I '~ ','. " ,-, '7) ':r- .":t1 ,0 )6 .:H !o '1m -I ~"e-! ~ -.....(":'l'V"\ ,~ r-. .~ r-.. '- f' . I I ;~l (/\ '^ ~ ~J <:", \1', ~~ -..; ('. r f::'. .1 -,' '. ...'b ~. . -.1 r' () ~, ;;;. :: · ~i: ~ "" ~ <:' 'U &. . . ALL THAT CERTAIN lot or parcel of land, SITUhTE in the Township of North Middletown, County of Cumberland and Commonwealth of Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the Southwestern side of Crane's Gap Road ILR 41031),44 feet from the center line at the Eastern corner of Lot NO.7 on the hereinafter mentioned plan of lots; thence by the Crane's Gap Road (LR 41031) by a curve extending to the right and having a radius of 3,520 feet an arc length of 14.52 feet; thence by Crane's Gap Road ILR 21031) South 45 degrees 0 minutes 31 seconds East, a distance of 71 feet to a point at Lot No.5; thence by Lot No.5, South 43 degrees 59 minutes 29 seconds West, a distance of 125 feet to a point; thence North 46 degrees 0 minutes 31 seconds a distance of 85 feet to a point at Lot No.7; thence by Lot No.7, North 43 degrees 45 minutes 18 seconds East, a distance of 124.97 feet to a point the place of beginning. BEING Lot No. 6 on a final subdivision plan on 10 lots recorded in Cumberland County Ph.n Book 53, Page 22. CONTAINING 10.656.992 square feet or .2447 acres. BEING known as 150 Crains Gap Road. a/k/a Crane's Gap Road, Carlisle, PA 17013. PARCEL NO. 29(151251)51 TITLE to said premises is vested in Edward B. Kromer and Carolyn M. Kromer, husband and wife, by Deed from Robert e. Goodling and Judy J. Goodling, husband and wife, dated 7/23/92 and recorded 8/11/92 in Deed Book V35, Page 272. SEIZED in execution and to be sold as the property of Edward B. Kromer and Carolyn M. Kromer. You may need an attorney to assert your rights. The sooner you contact one, the mort! chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) YOU KAY STILL BI ABLI TO SAVI YOUR PROPIRTY AND YOU RAVI OTHIR RIGHTS 8Vl:N Ir Tn SHIRIrP' S SALI DOIS TUB PLACI, 1. If the Sheriff's Sale is not stopped, your property will be Bold to the highest bidder. You may find out the price bid by calling (215) 563-7000. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call (215) 563-7000. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. amount buyer. you. You have the right to remain in the property until the full due is paid to the Sheriff and the Sheriff gives a deed to the At that time, the buyer may bring legal proceedings to evict 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff on This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOOLD TAJtB THIS PAPBR TO YOUR LAWYIR AT ONCB. IF YOU DO NOT HAW A LAWYIR OR CANNOT APfORD OHl, GO TO OR TELBPROHl THB orrICI LISTID BBLOW TO rIND 00'1' WHIRl YOU CAN GET LBGAL BKLP. CUMBERLAND COUNTY COURT ADMINISTRATOR 4th floor Cumberland County Courthouse (717) :;140-6:100 :- '" ~-; . UI~ <..),c b" , ~: , .-..., !::J;, '-.' u:' . j FO ;. 1'_ . ~ U "- , . . HI.' '-0 . ..' ~l'lQ\"",r~"'I]liJCHlt__ :Jut,~otUa""ilI~. 'Y'}PW'I'il1'r .. . .- ~ . , t " . 5. In tbeir Answer, Defendants attempt to deny paragraph 6 of the complaint, which avers the amounts due on the Mortgage. True and correct copies of Plaintiff's Mortgage Foreclosure Complaint and Defendants' Answer are attached hereto, incorporated herein by reference and marked as Exhibits C and D respectively. 6. As averred in paragraph 7 of the Complaint, this action does not come under Act 6 of 1974 because the original mortgage amount exceeds $50,000.00. 7. As averred in paragraph 8 of the complaint, the Temporary stay as provided by the Homeowner's Emergency M~rtgage Assistance Program, Act 91 of 1983, has terminated because Defendants bave failed to meet with the Plaintiff or an authorized Credit Counseling Agency in accordance with Plaintiff's written Notice to Defendants. 8. For the reasons set forth in the attached Memorandum of Law, Defendants' purported denials are improper under the Pennsylvania Rules of civil Procedure, and should be deemed to be admissions. ~~EREFORE, Plaintiff respectfully requests judgment be entered for the amount due with interest and costs as prayed for in the Complaint and for foreclosure and sale of the mortgaged property. Respectfully submitted, ichele M. Bradford, Es Attorney for Plaintiff 2 - , J'J:DDXD UD 'BBLAII By. KICBBLJ: K. BRADfORD, BSQUIRB Identification Mo. 69849 Two .enn Center 'lala - suite 900 .biladelpbia, 'A 19102 (2151 563-7000 @ Attorney for 'laintiff KBLLOM KORTGAGI COM'ANY 3100 TRAVIS STRBBT BOUSTOH, TX 77006-36'9 VI. BDWARD B. DOMER and CAROLYlI K. DOMER 150 CRAIH8 GA' ROAD CAaLISLB, 'A 17013 . CUMBERLAND COllll'l'Y COURT OJ' COMMON 'LBAS . CIVIL DIVISION NO. 96-1575 'LAINTIJ'r's BRIBf IN 8UPPORT Of ITS MOTION J'OR SUMMARY JUDGMENT I. DEJ'ENDANTS' DEfAULT UNDER THE MORTGAGE On AUGUST 13, 1992, Defendants EDWARD B. KROMER and CAROLYN M. KROMER executed a Promissory Note with Plaintiff's predecessor in interest, HART MORTGAGE CORPORATION, in the principal sum ot $68,300, said sum being payable in equal, consecutive, monthly installments of principal and interest of approximately $525.17. Defendants made, executed and delivered a Mortgage of even date therewith on the premises at 150 CRAINS GAP ROAD, CARLISLE, PA 17013, as collateral for the Promissory Note. Said Mortgage was duly recorded in the Office of the Recorder of Deeds of CUMBERLAND County in Mortgage Book No. 1082, at Page 837. Defendants defaulted under the loan agreement as payments of the monthly installments of principal and interest upon said Mortgage due MAY 1, 1994, and each month thereafter, are due and unpaid. By the express terms of the Mortgage, upon default in such payments for a period of 1 month, the entire principal balance and interest due thereon are collectible forthwith. Because Defendants failed to take the necessary affirmative steps to cure the celinquency, Plaintiff was left with no alternative but to foreclose in order to recover its unjust financial losses. Accordingly, the present action was filed on MARCH 22, 1996. As of this date, Defendants have not brought the account current. II. PLAINTIFF IS ENTITLED TO SUMMARY JUDGMENT AS A MATTER OF LAW Summary Judgment is a means to "eliminate the waste of time and resources of both litigants and the courts in cases where a trial would be a useless formality." Liles v. Balmer, 389 Pa.Super. 451, 567 A.2d 691 (1989). A Motion for Summary Judgment shall be granted if the documents of record show there is no genuine issue as to any material fact and that the moving party is entitled to judgment as a matter of law. Pa.R.C.P. 1035(b); Allen v. Merriweather, 413 Pa.Super. 410, 411, 605 A.2d 424 (1992); Beasel v. New Blvd. Bakinq Co. Inc., 410 Pa.Super. 591, 593, 600 A.2d 610 (1991). The moving party bears the burden of demonstrating clearly that there is no genuine issue of triable fact. Driscoll v. Carcenters District Council of Western Pennsvlvania, 370 Pa.Super. 295, 536 A.2d 412 (1988); affirmed, 525 Pa. 205, 579 A.2d 863 (1990); Allen, 413 Pa.Super. at 411; Beasel, 410 Pa.Super. at 594; Hower v. Whitmark Assoc., 371 Pa.Super. 443, 381 A.2d 524 (1988) . In response, the nonmoving party may not rest upon the pleadings, but must set forth specific facts demonstrating a genuine issue for trial. Phaff v. Gerner, 451 Pa. 146, 303 A.2d 826 (1973). Rule 1029 of the Pennsylvania Rules of civil Procedure specifically provides that: 2 b. Averments in a oleadinq to which a res~onsive pleadinq is required are admitted when not denied soecificallv or bv necessary imolication. A aeneral denial or a demand for orOOf' exceot as orovided bv subdivision (cl of this rule. sha 11 have the effect of an admission. (emphasis supplied). c. An averment shall be deemed to be denied if proof thereof is demanded and the pleader states either (1) that after reasonable investigation he is without knowledge or information sufficient to form a belief as to the truth of the averment, or (2) that he is without such knowledge or information because the means of proof are within the exclusive control of an adverse party or hostile person. The pleader shall not be required to state what investigation he has made or to rely upon information received from an adverse party or hostile person. It is well settled that a general denial is unacceptable and deemed an admission where it is clear that the Defendant(s) has adequate knowledge and that the means of information are within the control of the Defendant. Ella v. Olszewski, 368 Pa. 578, 84 A.2d 188 (1951); Cercone v. Cercone, 254 Pa. Super. 381, 386 A.2d 1 (1978); Goodrich-Amram 2d S1029(c) (1) p. 280. A general denial effectively manifests an admission to the facts averred in Plaintiff's Complaint. swift v. Milner, 371 Pa. Super. 302, 308, 538 A.2d 28, 31 (1988). It is clear that Defendant(s)' Answer is a misuse of the provisions of Pa.R.C.P. 1029. Misuse of Rule 1029 is an admission, and such an admission will support Summary Judgment. In this respect, it is submitted that in the Answer, Defendants have effectively admitted every allegation of the Complaint. Although Defendants purport to deny paragraph 6 of the Complaint, which aver the amounts due on the mortgage, respectively, Defendants' averments amount to nothing more than 3 general denials and demand for proof under Rule 1029(c) is required. Defendants generally deny the amount due under the mortgage without reference to what tbey believe to be the correct amount due or reference to any good reason to believe that the amount 1I0ught is erroneous. Pa.R.C.P. No. 1029(b) requires a specific denial to Plaintiff's averments. One purpose in demanding a specific denial is to enable the parties to focus upon the disputed facts and to assist the court in defining the issues for trial. Boalev. Hartina & Reese v. stuart, 11 D&C 3d 303, 310 (Chester Co. 1979). Unquestionably, Defendants know specifically what payments they made on the Mortgage. Accordingly, because Defendants are charged with having sufficient knowledge upon which to base a specific denial with respect to the averments contained in paragraph 6 of the Complaint, a general denial is insufficient to raise a genuine issue of fact. Cercone v. Cercone, supra. See New York Guardian Mortaaae v. Dietzel, 524 A.2d 951 (pa. Super. 1987) (in order to raise a genuine issue of fact, Defendant(s) may not rest on the pleadings, but must sustain the burden of presenting facts to counter Plaintiff I s averments) i Washinaton Federal savinas and Loan Association v. Stein, 515 A.2d 980 (pa. Super. 1986). A party will not be able to rely on 1029(c) and be excused from answering averments based on a lack of information where that party has sufficient information at their disposal to answer such allegations. Commw. bv Preate v. Rainbow Associates, 138 Pa. Commw. 56, 587 A.2d 357,358 (1991). In determining if an Answer is a general denial, the 4 Court must examine the pleadings as a whole. Comrow. bv Preate. SUDra. at 61, 587 A.2d 357,360 (1991). A review of the pleadings as a whole in the instant case reveals that Defendants have failed to deny Plaintitt' s allegations with sufficient particularity. Defendants' general denial of the amounts due should be viewed as an admission by this Hono~able Court. III. DE~ENDANTS HAVE ~AILED TO BRING THE LOAN CURRENT Defendants have been afforded notice of the default under the Mortgage, but nonetheless have failed to bring the loan current. l~en Plaintiff's representatives concluded that the loan was not likely to be reinstated, Plaintiff decided to exercise its rights under the Mortgage, to accelerate the loan and proceed with foreclosure to recover its losses. IV. ATTORNEY'S FEES AND COSTS ARE REASON~BLE As to the attorney's fees, $3,372, recited in paragraph 6 of the Complaint, it should be noted that paragraph 13 of the Mortgage clearly indicates that Defendants are liable for 511 attorney's commission if Defendants default on the loan. Attorney's fees are enforced in order to compensate the Plaintiff for the reasonable and necessary expenses of collection as it has been deemed inequitable for said mortgagee to expend sums of money for attorney's fees in order to collect sums duly owed to him. Eastaate EnterDrises. Inc. v. Bank and Trust ComDanv of Old York ~, (236 Pa.Super. 503) 345 A.2d 279 (1975). As a general rule, attorneys' fees which are reasonable will be permitted by the Court. A requested fee of 511 of the outstanding principal balance has been granted by the Court. Pennsylvania Courts have long and repeatedly concluded that such 5 a 5' provision is reasonable and enforceable. Robinson v. Loomis, 51 Pa. 78 (1865); First Federal Savinas and Loan Association v. street Road ShoDDina Cente~, 68 D&C 2d 751, 755 (1974). It is important to note that the attorney's fees called for in the mortgage are owned by the mortgagee, not the attorney. They are not limited to the actual attorney's tees but cover also the extra charges made necessary because the mortgagor failed to meet his obligation. Foulke v. Hatfield Fai~ Grounds Bazaar. Inc., 196 Pa.Super. 155, 173 A.2d 703 (1961); HarDer v. Consolidated Rubber Co., 284 Pa. 444, 131 A. 356 (1925). Plaintiff submits the amount recited for cost ot suit and title search in Plaintiff's complaint is neither excessive nor unreasonable. V. PLAINTIWW'S MORTGAGE WORECLOSURB ACTION DOES NOT COMB UNDER ACT , OW 1974 As averred in paragraph 7 of the Complaint, this action does not come under Act 6 of 1974, 41 P.S. Section 401 et seq. because the original mortgage amount exceeded $50,000.00. The provisions of Act 6 specifically exclude residential mortgages in excess of $50,000.00. Tne term "residential mortgage" is defined as a mortgage on a one or two family dwelling in Pennsylvania where the original bona fide principal amount ot the loan is $50,000.00 or less. 41 P.S. Section 401. Because the instant mortgage obligation exceeded $50,000.00, Plaintiff was not obligated und.r Section 403 to provide notice of its intention to foreclose. See Anderson Contractina ComDanv v. Dauahertv, 417 A.2d 1227 (Pa.super. 1979) . VI. THE TEMPORARY STAY AS PROVIDED BY THE HOMEOWNER'S EMERGENCY MORTGAGE ASSI8TANCE PROGRAM. ACT 91 or 1983. HAS TERMINATED The Tempora~y stay pursuant to Act 91 of 1983 has 6 . terminated due to Defendants' failure to meet with Plaintiff or an authorized credit counseling agency in accordance with Plaintiff's written notice. True and correct copies of the Notice of Homeowners' Emergency Mortgage Assistance Act of 1983 are attached hereto, incorporated herein by reference and marked as Exhibit E. Act 91 of 1983 requires that notice be sent by the Mortgagee to the delinquent Mortgagor by first class mail addressed to their last known address. 35 P.S. section 1680.403c(a). The statute specifically provides that notice pursuant to the statute shall be deemed received on the third business day following the date of the mailing of the same. 35 P.S. section 1680.403 c(e). The letter notice contained the name, address and telephone number of Plaintiff's representative, who Defendant(s) could have contacted to discuss their mortgage delinquency and the possibility of qualifying for emergency mortgage assistance. Notwithstanding the receipt of this information, Defendants failed to take action that would have resulted in a temporary stay of the proceedings. Because the homeowners failed to meet with the Plaintiff or an approved consumer credit counseling agency within the period specified, and failed to meet other time limitations under Act 91, the Temporary Stay under Act 91 of 1983 has expired. Plaintiff, therefore, has properly complied with Act 91 and it permitted to proceed with its foreclosure action. Additionally, Plaintiff submits the Pennsylvania Housing Finance Agency would now consider the homeowners ineligible for assistance due to Defendant(s)' failure to satisfy the procedural time requirements of Act 91 of 1983 7 VII. DB~BHDANTS ARB THB REAL OWNERS or THE PREMISES AND THE PROPER DI~EHDANTS HERIIN In their Answer to Plaintiff's Complaint, Defendants attempted to confuse the issues by referring to an action they had filed at 94-2988 CIVIL TERM in Cumberland County. A true and correct copy of Complaint filed at 94-2988 is attached hereto, made part hereof, and marked as Exhibit "F". That Complaint is againat the former owners of the Mortgaged Premises alleging a failure to disclose defects in the Premises and requesting that the Agreement of Sale be voided. However, Kromers' action against the Goodlings is irrelevant to Plaintiff's foreclosure action against the Kromers. Plaintiff has filed this foreclosure action against the Kromers because of the Kromers' default in monthly payments on Plaintiff's loan to the Kromars. A foreclosure action must name as defendants the mortgagors and real owners of the property. Pa.R.C.P. 1144. Plaintiff has done so, as the Kromers are the mortgagors and real owners of the Premises. The Kromers' Complaint does not mention returning the property to the Goodlings. Even it that is what is contemplated by the Kromers, such an Order has not been entered by the court, as the Kromers' case is still pending. - If the Court grants Plaintiff's within motion, Plaintiff will take the property to Sheriff's sale to recover its losse.. The Kromers' will still be able to pursue their action against the Goodlings to recover their losses. Most importantly, Plaintiff is entitled to a jUdgment for foreclosure due to the Kromers' default on the loan, in accordance with the terms ot the mortgage. The mortgage does not provide for any exceptions to Plaintiff's right 8 to foreclose in the event that Defendants wish to rescind their Agreement of Sale. Finally, Plaintiff is the party who is ultimately injured by any defects in the Premises because that reduces the value of its collateral. VIII. CONCLUSION The purpose of the summary judgment procedure is to prevent, vexation and delay, improve the machinery of justice, promote the expeditious disposition of cases and avoid unnecessary trials when no genuine issue of material fact is raised. In making its determination, the Court must accept as true all properly pleaded facts, as well as all reasonable inferences which might be drawn therefrom. Thomoson v. Na~, 379 Pa.Super. 115, 535 A.2d 1177 (1988), affirmed, 527 Pa.330, 591 A.2d 703 (1991). The Court must restrict its review to material filed in support of and in opposition to the motion for summary judgment, and to uncontroverted allegations in the pleadings. Pa.R.C.P.1035; Overlv v. Kass, 382 Pa.Super. 108,545 A.2d 970 (1989). Plaintiff submits that it has demonstrated sufficient facts to warrant summary judgment in its favor. Defendants executed the Mortgage knowing that they would be responsible for the payments. Defendants have admitted the existence of the mortgage in their Answer. Plaintiff has provided an affidavit that Defendants are in default and set forth the amount owed by Defendants. Therefore, Plaintiff maintains that it has produced sufficient evidence to establish a prima facie case for mortgage foreclosure. Once Plaintiff has satisfied its burden, Defendants have a responsibility to demonstrate facts which would create a genuine issue for trial. Phaff, suora. Defendants have failed to 9 Ilrn\lltkd. huwc\lcr, mal the ,\oltlllll.ll(ur ~hilll he cllllllclJ In collcc' ;1Iul n:IOIill Uk: ~.anl rcnL1, 1.\.'11\',', ,lIIt1Illllril" 1Il1l11 Ild.lUII hc,cuntlcr: TO HAVn AND TO HOLD'IOllIJ llnJpc.ly. hereby gr:uut4l. WIUt the allPllflCnlU1CC,1, lInLO ~IlJ Mnrlllag~'c In 11,'1 UWII1l.1C forever: TlliJ ImJenluro is millie, huwl:vcr. suhjcct IIJ UIC rnllmllinj ruvCnanL'I. CUlllliulln,'1, OIgrecmcnLS iIIIlJ'III"llullum. OIll1llht: Mongalor covenant.! ;11111 JgICC.'l: l. lllal'll1c MurlgaMllr will jlrllllllllly pay lhe 1'11IIi:il'illnf alUlllllcl('~'1t nil the illlkhlcllnc,,'I ~vlllcn(CII!ly the ~;Il" Noll', ~ll lhe lime.. iUllI in the manner lhclellll'flI\1ulCtI. WIlh prlvllcllC rc.~rvcd III pll:I'i1Y ;\1 .1IlY IUIlC. wilh"lIl prrllllHlIIllI 1\"1" 1111: "Ill''', indcbh:tJnl:.'" or ilfly I'ilI' lhcrcuf Illll/(',j.' than the .1l1lUlllll IIf one 1II'1li,lIm(,lI1. or 1I1l~ hundred llull.v' (\ 1OCl.IH)), whu..hr...,cr I' leu, PrcpuymcnL III filII ,hall he: uedllt.1 nil lJle .1,lIe rcrcllIl"tl. P,uII,.1 prr.paymclll. IIlher Ih;m fln.m m,l.ll1lOrlll .111I' .1.11\', 1I,'rtl nul be: crcdiletlunol tJlC I1C.\1 f.,lIuwlll'; 1l1.'lillhncllt ,llIe 1Ii111: IIr IlullY llay, Jller .~Il!.;h I'rcp,l)'lIlCIll, WlllChcwI I' ,';11110 2. Tu nlllle fully IImh:t'! tJlC ~I'UlfllV of 111/' Mllf/~aw", ~IC 1\fIlIIM01~llf ,h;IIlI'OlY III the Mprl,ll:l.lt1'1' ,I~ llll'l"" 1111I.1." Illl' ICIIll, flf 1111.' Un,1 n.'l hcrcllmltr.f 11.11cll) III ,lIlthullIlln "lid I.:lIncllrrclIIly wllh, elll;h 1I111lllhly Imw.lhlll'lIlllr pllm:ll'al ,lIhlll1ll'1nl uno I said Nute i, fully Ilaltl, tile fllllnwlIlM 11111I1: (01) ^ 1um et)llllltll tile ~rllUlld fCIII.', If any, l1e1111ue, 1111111110 Jlfl'lIliUIl,'lh;u WIll tlr.llX"cnlll.~ dtle O1lllll'ayahk 011 Ilulicie.'t of lire_ amI "tiler /loa/aliI 1II'llllam:c, l'lu.'l la.1C1, ;\"-1C.1_,ment,. ;tOil ~wcr and waler rent1, ne'l .Iue nn lll.~ 1"('1lIlM~1 eoverell hy thiS MI111ijOlNC (all ,\.1 t~'1l1ll1all'l hy tile M"IINaK~, ami .If wludt the MUr1!lOlllllr 1,' IItllllkd) 1.'\'1 ,11I1111ll~ .11rcady [JllUJ I.hcrefur divllJcil hy !Jlr. IllIllIhtr tll lIIt11l1h., In elnll'e hcfllrc line mllm" P'IIl, In tlle d.ll~ wllt'n ~lI\h ~rlJtllltl rent'. pfcmjum~. 1.ue.1, a.'~1~mCllL~. ;ll\lJ ~wer alltl wnler rent1. Will ha:nme due. ~lIlh 11111I'1111 he 111'111 hy MlllI),lOl).lI.'(' III lt1,5t 10 pay said ijtfluOII r('.nL" I"ClIllllln.1, t,UC.1, ;L"\C.'-'l1lcnt" mid sewer ;ultl WOller rent'l. (h) TIle 31UlrcgJIC III tJlC ;ul1l1l1nl'l rayahk pllr51101/11 tll.~lIl1paral.!ral'h fOIl ;111.1 thme IIayal1lc /Ill tht~ Iklll ..1t,11I1.... p;llcl in II !IIIHle payment c.xh IIUlnt", III he ;1111111("11 III the ltlllllwtll~ IlclIIS III the mt..ler 11.11cIJ: (I) FnllllllllclIt'l. lale.1. .LUl~'~ll1l'lIt1, .~ewcr .11111 Willer rClll'l, rire aloll nlh\'( h;lIartl U1~ural\!:e plt'llIltItII~, (II) mlcrr.'llllllJl1.1ll,.hl;.lIIll (III) amuruuuiun III Ute IlruU:lllilIIlIIl1l.1,lchl. I-\ny llcficicncy in tlte 11I11C11UIl III lInv "liCit aNl(fCllrllc: munthly payment 111011 cnmlllllte an cven! nf IlrfJull ht'r<'Ill11h'r ;llIll under said Nole, unleu lI1atlc ~lIl1d hy MllflAaKnt prim tn tlla due IlllIe IIf Ihe ne~t'lI(h paymtn!. 1\1 MllflltOl/:l":''1 "1'111111, Monlagnr will (lllY" "Iale eh:UAe' /lul e~cccdinK lUlIr pt:', &:clllum (4'lr) II( any in11011lrnenl when pautmlUt (hilll lilteru (1.1) dllY.. an<< tJlC due iJ:tlc tllerenl In cO\ler the collIa e.l1}(llSC invnl\ll!tl in hant..llinll llcliOtlllcnl p.1ymcllt'C. hI/I .'lIth "'3IC chuge" shall nUl he payable (lilt of till: I1rl1cCCtI.1 1I( any 1.1le Olrnleln $.111~(Y IlIe indcilICdnc.'l'_1CCluclJ hl'rchv, IInlc." ,uch proece:ds of :my we mUlle In .1;ui1fy Ihe IlIIlehletlnc.'.' 1t'Currd I,rrehy, un II:"" ~l1dl (lrncccd., are 1uHKICIl! llll1i1rhoIJ:c lhe enure indehlcdness alld alltUllll('f &:tl1l~ .lUll c"l)Cn~' ~eclircllthe'ehy. J. If thc InUll uf tile payment' matJc hy Mml!;illlut, ulldcr (31 u( llilUlMtollh 2 prn.:cllillg, "mll eun"d 11ll" ,1II11lllll! .If payment' aclually matle II)' MUrlllagcc :1,1 tru.'let I'llr ~ruuOlI renL,. tl;u~.'. i1."'\C...~menL'l. 1Cwer II' waler n'nlA, III 1l15UranCC IlremlUl115. as tile CiUe may I~. .'Il1eh etce.1S .,hall hc c'edllell"n .'llh1ellllenl f3yrncnL. III he made hy MmlQo/:1If hlr 111Ch IlCll1' or. at MnrlgaRco's oponn. a., 11\1."ee. ~hnll he refllndetl In MnrlM.:I~Hl. I , hllwevcr, 1Ilth Innnthly pO\'lIltnL'I ~hi111 11111 he' ~IlHicienl 10 plaY ~meh itelll1 when the ~allle 'Ihall ht::cmne due ;llll) PilYi1hlc, Ulcn Mllfll;;1llllr .~II.,II\'ay III ~hlrl~O~\'C :1.' IIlli\ll'-C any amount necessary 10 mako up the IJeficicncy wltJlin lJurty (:\0) IliI)" Olller Wtllltll Illlln:c (fIllII "'llfl"',INt'(' ~l..'III1t1lhe amount of tI1a deficiency. which noucc may he lIivell hy mad, Il al i1tIy time MUllllrlglll m.tU tenllrr In MU,litrlNCC, in iKCilnlancc Wilh Ihe [JnlvisionJ herrnf. UIC filII payment tI( tilC cntirc iOllehlcdnc.".. reprc.1Cnletl herehy. Mlltllti1~r,', i~' 1lI1,'k'e. ~hall in comllUunl tI1e 0110011111 ul'llll.;h iOllthICllnc".1. eredilln 1.1111 ac&:IIUllluf Murlllillllll nllY ,rcIllt !lalmll:e n'lIlaulinp: under tI1c prnvislnnJ of (il) IIf IlatilRtlIph :., If Ihrre ,hall he .1 t1elaulI ullder .my of tJtC pmVl~lon' nf IllC Nule ilml Ihi'l Mmlll:ll/.e .1CCUllng tJ1C same. which ,c.'l1l11S III " "uhlte _~ale IIf Ille IlrClllI~' cnvl'rrt! IherehY, or If IIllc In Ule plllllCrly I" 1l1l1,,'rwl~ acqullcd by ilia MnrtilaICcc after Ihe llcfallll. Ihe MtIIlaaKec, iI.' 1l111ICC, 1110111 apply, allhc lime tll tJlC CUllllllCIIl'ClIIelll tI( .'lId_ proccctJings or .11 lhe lime tJlC prnl'~rty i~ ulhtrwii\e IICtlllllcd hv tJle Mnrljttlgce. the halnnc.c lhen rellll1llllng hi Ihe crcllit nl Mnrlgognr under (n) 0' 1'lVilglnllh 2. <1.'1 a cfttlll UIl Ihe mle,c.,t atelllCl1 ami IlllpnltJ, and lhe halaucc Ull Ihe luincillnllhcn remaining unpaid un tho Nnle, 4, Murlg3gnr shall"rlY III MllrlllaRt'C all gllllllltl rent1, la.1C5. :\~~"~mcnl1. .'.ewer JIlII walt'r renL" 0111I1 allnlhc, ChiVKCS anti clairnll assessetJ or levied al any Ume hy any lawful illlthulIIY "I"'" tJle (llCmi,sc, eCl\lerctl hy lilt' MnrltlaNe which. t1y any presenl or future law m II1W~, 'utall hove Iltlllrity ,in liell nr paymclIl III the tJehl rep,esented by ,Qid f'Irll'tc anll ~lUcd by tI1i.. MOUlage. and provisiun lor iJlc paymcnt of which I~ lIut IItherwi'lC mooc herem, such Ilaymtl\l 111 he matlc hy Mur'IUlnt within thirlY (30) tlays aflu denlantl hy MnrllJiJgee, ~t.lting tJle ilIl1Ulllll, ,. The principal int..lchletlne.U herehy cvitiL:ncell allllscclIlClI rCIUc.'1ClllS mnlley i1l:lImlly U,~IJ lllr Ihe ilClllIi.'iltllltl tI( IIr fur ImpruvcmCnlS to lhe pteml$C.' $CCuroo hy ~1l1 Mongilgc, 6. Mortgagor will continually mainlain h:1/:1t'l1 iluurnncc, lIe 'Inch lyl'C nr lypc.' ami amnunl' ;1., the MnrlJtllJtt'e may (nlm time 10 lime require, on the i.tnprnvcmcnt'l1tlw fir hercaHcr nn .'laid IUCml1c.1. anti e.eC(l1 when paymcnt lllr llll.ull.h pn:miUlftS h;u: the~lnfore been made under (011 1)( par.1!(raph 2 heren(, will pay pmmplly when tluc any premiumJ Iherefor, ^lIinsurancc .shall be QfTied III cumplll1ics a"proved hy, MOIlgaMcc anti tI1e puliclc.'J .lIId renewals thereof shall be held by Mnrtgalco and hav! lIuached lhereln loss [JaYOlhle c1au,~' In favm .,( anti in fnrm acceptable tn MnrtRagee. In even' nllf,". MnrIRit(lOf will lIi\le immediate notice hy mall 10 MllnjtaNce, .11111 MnnKiJKCC may make pronlu( lo.'U Ie nlll made prmnlltly hy Mnrtll&<<or. Each insurance cumpany cnllct:rIICIJ i, herehy i1lltJlorin:d ;lud ,hrO;letllo make llayrncnL fur 'lllch IlL'" llircclly III Mllltlalec insltJll of 10 Mortgagnr anti MUllltill(eC Jllinlly. The in.,urance pmcccd:'i, Ilr tiny p:VI tJlcreof. I":1Y t'C Olf1f1licd by Mnr11lDIRC ill il.'l nptiQn either 10 the rtducUlln lIf ule itldehlcdnc.._, Ilr III tJte rt.'1luralilln or !Cpalr o( the IImfltr1l' damagro.. In lhe .,'lc IIIId ahsolute Illsc:relion nf MlIIlRilgce, III event tll lnra;lnsure Ilf the Mnrll(aKc nr lIan.,Cc, tlf \JlIc In tllC lIlHr18ii.cclIWltfleny in pattial ur lutal cl,tingllnhlllclll lIr the Nllle IIl:rchy 5CcLlrctl, :III rillhl. 11I1e, ;11111 intere~l tlf M41fl~;)llnr in and III any in~lIf:mce I'nliclc.'l tJlen ill fo~e ~hnlllla."ln Ihe I'llrChiL\Cr IIr jo[ralllec IIr ~h.tll he ci1IIlcle,l allllthe ci1IIccllaunn l,wcccd_" iC O1lly, retained hy MnrlKOIjtcc, rull puwl'r 11 her~hy !;1\Il~1l111 MllIljo[OIwre III ~clllc m clllllllrlllni'lc illl dalllli\ limier ~lIrh I"nlicie'lllWIIU tleuN"..I. 'C(Cl~C anti (((cipt (ur i1l1ll1i1l\c)'~ hCt:llllltlllt Il;Iyahle Ih\'reUlltlcr, 7. MlIr1ltilROr .~hallllnll:.'crlllc IIr filt: of reronl ;lily 1lI11l1l1l1{'tlt Ililltdl illlpll~_1 .1 rc.~IIlCUlln lll'lllltht "-lie Hr Illllllmncy IIf tJte \ttnl}Crty hCrCIIIIIc.14:lIhcd un Ih~ hil~l~ III racc, (1Ill1r III &:feell . .. I () \.'1 .. 1\1:U'-: 11. r~r:c "",1:., ". l\hlrlMaRUr Willlllll ,ul!er ,Illy lit'1I 'Ilpermr III the hen cfl":1letl hy llll~ MnrIR:1KC In au.xil In Ilr III hl': cnflllfed "8alnl\l tJle I1rem.,cs ct1veretl by tlll.'l MlIIIKi1JJC. Mtlrt"ilKlll ,hall nlll COtnlllll IIr pernlll Wil.1IC; ami '';halllrlallIlJln Ihe (lnll'('-t1y in :as M,tlCltJ CllmJiunn as al flfC.1C:I1I. re.uunahle WC<1f JnllleM ~.1,lt'plrtl. U,"IM ,my ';ulllrc m In JIIilll1l:un, Mllll~;lHrt'" al lL'lIllllun. molY o.:Jll.\C rea.~nnable lIlaUlIenan&:c .....mk III he I'crlnrmcd .lllJle LIl11llf MIIIIKaJl,llf. .JIPAllI10', ...,., ~l' ~'''a<. '1 MIlr1l1allce ;IMU hll'l''': Ihe r1ylll UI pay .my l4r11unll ft~IIL', III.u:_" .L1tC-umcnL', $ewer Jnll wlllrr renL.. 3ml all lither dlarg':i ,md c1ilJln.1 Whll:h Murl~.IIlHf 1Ia., ,Iyreellln pay IlIlll!:t Ihe letln.'I hrreM, In Jllvall1"C .lnll I,ay Jny sums lIt mUlley thai in ll-'I Jllllllln~nI may he nl."n:.'\~U)I III (lCtli.:1,'1 qr Ilrr1cr....e 11111 tille III IhlJ prcmnCIJ (llvcr..'11 hy litiS MnrlllaKe, lit (IIr inSlll'anCtI Iltl."llIl1un, lit 11Ir JOy JlIlllmi/t'11 Il1l\IRlctlallCa wllrk, AllY ;\IIIf1ul1l ur ;lfllllllllLl 10 rallJ lit illlvllnCed .maU be alltJa) 10 lhc prllk:lpalllrhf. \lIaU l~ InlC~rt'l .II the talc I'tlIVllll'l1 (ur lA tlll1 ,uim:lpld mdehlCllne1.~ Imm tllC dale ut paymenl fit atJvancc. 'u1I1.hall he ll'tllrclllty UII'I Mm1llnH;c rill.1hl)' wIth ')ijul ('lrlllnIJal1li:hl .lIIlI imcre,t thereun. Mnrlllnllee. dIlLS llflUllIl, illsn1hllll 1'If cnlltl..:ll I.. I'll: iuhru)l;lIcd III JflY It...n, dalln, lit .Icmantl rMIII hy ii, IIr IJiu:hiU'IICll wlth mllney advanced hy it ami ~lIrttl hv ttll!t MmllC.ltj:c. 'nle J'laylll~,'IIL' ,\1111 .w.lvlllll;e, ~u milllu ,11,\11 he payahle in al'ftflll11llillely ~lllal mnnlhly l'aymenLS e~ICOllinM liver _tll(h IhltlUtb ,lj llIay he ,IIIIUlI 1I1'''n liy lhl: "'''''1I-1111lf .mtl MllrlllUIi~e, hill nul l)e.,llnd the IluG ll:lle ur the final 1n~IoII"ntnl of the princlpill LJehL rll cvcnl u( failure to .l!lrec IIn Ihue lit mallltll)l, the wllllle p( Ihe 'tllln lit Sllm, su pail' lit :nlvan-.:t\1 1hilli he dlll1 iUllllJayahla thirty (10) tluy, J(I!,!r ,km.lntl hy MOfliagee, HI, Thl.' Iicl' ill' lhn ....ltlrI1l3I1cc ~hall tcmillll tll rull fun'l! OIlIlll'lrtl.'l .Iurinll: pmlllllllC1IICnI ot euen~iun lit lIle time lit .' paYlllcnl III till: illllchlL'IIIIt:~,', nr JOy p:"1 thefenl, Willt:h II'iClUfC,. II, Up"'" IIIU r"'lHeSI n( MutlgJNCC, ~hltltj;_lltur ...11.111 L'~alllc illlIlllcliver ;1 ,upplclllcmal NllIc ur NUIe! (IIr lhe 'Ill" lit ...umi ;klvill1(l:llllt politi lIy Mnflllllllcc (ut lilt! allcralllln, 1lIl1llcnU/-<lliun Ilf impnlYCmClll of lllc 1II1U1gaiell prnllClly ml\tlc OIl :\lllfl)l"l1ur'~ O'tllle'l; .tnll hlr lnilUlIl'nllnCO III ~alllllrnll~tly, IIr IIf1llllul renL'. IlUC', ,I.'.s~~mnenl$. :lewet allll wall!t rrnl~, anll illl IIlill't lh.tr~c" .1Il1l d:um, "''(C:m~11 ur levied .1!tlm111 ~.llllllflll'Ctly Ily .lUy fuwllll .lulhnriIY.llr 1!If ;lIlY uther "urpm.: elsewhete ,1l1lhllfJ/l'd h('tl!IlIllJl!r .s.lul NUlC llf NoIC1 ,:;1,..11 hI.' \~'lIrctI hy tJli1 Mlltlllagc UII ,I fliltll', wilh anll JS rully as If the ;unnulllS ,Ialed In ,ut.:!t NUl&: llf Nule1 were llarl nl UIlII '1.11(,1111I IJIC NUl.: hcn:hy 'ltA..:urttl. $<1111 $Ullfllclllcnlul Nnl~ nf NUles shall heat InlcrC~1 .11 Ihe ral.: prnvrilcII fur III Ule ptlllClflul intlehlcllnc\s .lnl' 1hilll he I",yallle In :I1'flnl1lmmcly equul monlhly paymenlS (ur ,lIlh IlCtlUtI as l"-'IY he allnxd IIpnn by MntlgaKlIt :uul Mllnji:'lllce. In CVtnt III (mlu,e III .lll~e tin dale Ilt mlUurilY. the whnlc Il( till: ~lIm IIf Slllll't ~I advJnct'd flf paid shall he .Jlle.1ll11 flltyable thiny OOl JilY~ anCf IJcmaml hy Mnnaagt'c; bllt In 110 ~'V~1l1 _111illl .llly 111t.:h lIliUUtlly ur .fue Jaie e.'\lclllllll:yunll Ill" due llillc Ilf thl! IInal in'\talhnt'IU Il( lhc ptincrflll.l drhl. I~. If till: lnllchICtIIlCS.'t S<<llfell hl'rchy he 1l1111filnh.'ell IIr in,uretJ l&nilet TillclH, Unlltti Stlt~ Ct~e. such Title: and Rl'yulutluns lUlled theret/mlct alltl in elrcel till Ihe ILllt: hcren( .~h;dl guvcrn the rile/III. llUIle.1 ilnd lIahllilie.s nt Ihe plVtie.s hcreln. allll :lIly IlfllVI_11111l't II( !hi, I" IIlher In,lttllIlenL't c~cculet' in I;llllnccuun wuli ~.I'11 lnllehh:dness which 1V1'I illcon5lSlcnt willi ~;lltJ Tillc I" RCKUhllllll'l.tIC herehy amendcd III t:1I1l{llrllllhctCIII. U. It. ,II itn)' lime, :.I Wru uf e"l.'Clllmll O..-funey JlIIlllmcnl) lit IIlhet e~ccuUnn i!'l pruperly issu~llIpon a judgment uhlllincllllr'im 'Wid NUll!. or i( JIl .\t.:linn Ill' MutIK"YC J:ura:IIISlltO lit ,lilY ull'cr Jflflflll'rialc ac:Unn Ilt p",c~dinllo rnri!Clnso u IllUfIMllltC I~ in~lilulcd 1I1NlIll1t un,lt!r Ihl' Mlln!{age..1n JltllmeY'1 cllmmiuiull u( fl~' I"cr !.:clllum ( .f.O %) ur -'utili principal dcllt shdll he 11IlY:lhlc, alltll'\'&:nvcr':ll ill ,1I1tliulln In ,111 rrlllt.:llllll i1nlll11l0te"ll am' all ulhOt recnver:lhle ~lIm.. then due. IllKcther with cn,ts l~;" ~tlll. 14, If ;lll)' deficiency 111 Ihc ;Ull0lllll of any OIg11rcKalc mlllullly pilymcllIlIlcntillllell ill (h) n( plltllgruph 2. shnlllllll bo made MHIMI hy MlIrtKa~ut prillr III Ihe lJIl&: tIme: III Ifll: ne,11 1111.:11 lmymelll, IIr i( dcf;.ndt he madu at any timc in ally o( the CllvenaOl.! ami ;lljl't'l'lIICIIL'I hcrem, tlr III \JII! NUlc $CCufClI, Ihen allll in ~vcr)' '\II..:1l t:ll$l!, lll" whnlc princifl>ll deht shall, alllle fllllion ur MIIJll:a......c. hccumc: .Iuc anll paynhle immctliillely. Paymcnt Ihcrcllf <llltl ..II illlCre.., accmet! thereon. will. an 3UIltlley's \'111111111'1.'11110 a'l hcn:inht'fl1rc lIICnlllmCtt. lIlay he cnfllrced anti l'a:llVCtfil al mice, anYlhinK herein cnnUlllletllU Ihc cnnllilty IlIIIWl1h~lillhltnlt III Ihe (!~t'llIllr any hrl';lCh IIr il~Y !.:IJVCllillll, ClI111liuIlU. lit aKrccmclU II( ,,,",,It' NIIIC, lit ul"hi, MlIr1I1Ullc. il shall he lawrul fur .\Iutl~;lKCC In \llll\'r lllMln an 0111I1 ~inKlll3t the hlOll. huil&ling.,. and IIlher riMhL', curtlureal and inCllfJlf1te.11. &mlllcd hy \IllS MIlf1!lilgc. and Iu lake ptl~~1.,iun Ill' the 1a111C. amluf Ult: n,-ultcS ami Clluip&ncnllhcrein. O1I1dlll have, hold, mannlCe. 1Cl1SC to UIlY IlCfSllllllr IlCr.lnn,. use- 3.l1L1 IIJlCralC the !alne in 'UI:h 1l11ltcl~ and 1111 $llch ICnns and rUt such perkJeb of time lU Mnrlg.1gC8 IIllly Ilccm p"'fICr in ils snle IUstreUlln, MUr1lilgnr ilgm:iny; th>lt he .,hall ;lnll will, whenevet requesltd by MI)nplr.c so In do, a.'t'lI!(Il, ltilllsfer, JIlll delivet 1In10 Mnrllllllee any lease ur ~ubleusc; and In cullccl and receive 311 renLs. issues, ami pmOLs o( ~lId IllHtI.Ilill;cd premise1 3ft11 every pW'1 thercH!"; ror allnt which slud NUIO ~hall be il surficienl warranl whether tit not such lelL1C IIr suhlease hn., hocn i1SJigned; and In IIlWtC f",1n lirno In time 311 tea.'tOnllble alter:Uinns, renovations. repairs, and rCltllk'ellt\'nLs Ihereln. After IlctJU(ung the COSII)( such altenllinns. n:nuvilliun5. tepn,,,, fCploc:emculS, !UltlthO e:tpe.llfoCS Incident Itllili-.lllll. ,1111' rCliIulInN l~n'.'le~~lltn ll( l'le mnrlJl:llKCII P'llpctt)'.lJle lIIill1:lgemcnt ilfld Il!lenuinn !hcr~tJ(.lU1t1tn kcepingthe _1llIne IImperl.,. insutCll, bJ appl.,. i1n.,. n::,itluo nr 1uch ,CnI!l. i,!uc:t, and I'RlfiL' In thIS flllYInCIII nf (3) :lJllfOuntl tents, taJlC'_'. charget. chutll.Of. a."''(C:1lilllcnLS. .'k:wcr and waler renL,. OUltJ any olhet lieU5 \JIll( mil.,. he I)fJnr ill lien nr payment In tllO deht sccuraJ by this MlltlgilKe, with in!l;:fCSI IIlerenn, (h) prcmuun.s (ur 'l,111Iul.'turnnce, widl inu:rc.'tl thcrenn. tc) llle illlerest ilfltJ I'rincipl1l due 3ftd v.:t:llr~'tl hy tlli, MIl(1)111llc Wllh ,111 cn~l:t anll J.llllmey''t {t.'c."; ill '111:11 mllet lit IJriurlly J5 MurllCiltlCC may deletmine. Jny sblllle. law. (1I!l;IIllIl, nr use IH Ihe: I.:olllfary tllllwilh.'1IWlillll)( 'nlC la'un!l lit flns.U'uinn II( the Il\fltlgugcll prelllt~ hy Mnrlg:lKcc. as herein pmvi&.letJ, 'thall nUl relieve an)' IJerillllt by Mnrlllllltl:L.llr prcvl.'nllJlc enlnfCcmcnllll any i1{ the r~lIlcdiCj Ilru'l'ilkll "y 1nill Nule 11' Ih15 MllrtllilgG. rr~...: fl'llll'lhc, l"lI\'ukd hy lillll Nule ;lml llll'i MnrlMaltC ilr .llly mht:, IIIllchlCt.JUC~'t tllcrelllllrt)vi&.letl IIr 5Ctluetllly this 'l"II~:i~c. ,11I11 flit the lk:rtllflllilnl:C Illlhe cn..cltalll:'l. \'unlhhlln~. and :tllreemcnl5 u( 1r.1ill NUle ur thi5 MUflgagc MC cumllli1Liv~ ,lilt! lPlltllHl'nl, arlll mav he flllf\Il~'t1 'Ill Illy, Ilr m{t:I."~I...dy. or IUl!clhl't. ;11 lhe '1llle IlhcrcHllll ur MUllg..gec, ;tml may Ilt.: " lCrll>;l.'l! .1" 1111\'11 .h 111(;1;11111 tllCll.'ltlr ~Ilallllt:lllr !'!{ovlJ)[m, IJl;lllll ~.L'lC de/aull ,hilll he malic inllle pnymcnl'" ,my lII~t.llllllelllll( pflOClpul i11ll1 mlere'I, or any olhet jl:l'r'IlIt:tU hetclll;Jhuve qr In lhe (Imlhlltln~ Ilf '\aId fl'Cllt:d Nule fl",'l'illell for. llf In Ule kt'CPIllI and fltt(unnallce hy lhe ~lurl~ta"Ur 0" ,Illy ~UVCIl.lnlllf _l~tcrlllcllt llllll;llllt'lllhnclIl IIr III 1I11~ Murl.p~e In Ix:: hy 't.11tl \1orlKDlflf kepI Mil jlerrnnned, III tIll' 1II.lImCt anll allhe rllne 'pc(ill~d (Ut ule jlCtfllfmannt lhereof. .un::: default Will enlllle MlInlDllet rlH\Jlwlth 10 brin. MIll ~It.: UIII ,Ill 1\\"11111I of Mur11l"Yc FlIfl'C:IH~Ilt1: "l)tln lJll' IllIlenlure III MllrlKl1IIC, lit lu jll~IlIlIlC ,III)' IIttlet appmprinle actinn IJt pml.l'l:lhnll tll liIR'C:JU\C .1 IlIllrlll:1I1t:. ,lfIl1ttJ llfllceetl merelln In JuilY:lIIcnl anti ClttUlllln. ror fC(uvny ur 1lI1d princilml tleblor mlll'l ,11Ii1 ;1I1 1II1~re'il rhcwnn amJ ;all luller 't\lln~ It~rehy -w:curetl. IIlM,clhcr with ,lQ ,1III1mcy', 1.:llmmiuiun rur cllllec:linn. 3., ,lh1rC'Io:IIII, ,11I1. I.:mL't .IUJ "'Ill'n'iC' lit ~ll(h ['If(I(C...JIII~, Jmlln PUt..uc .lny .1nlt all IIlller :1(Jproprlale le,nlllt t'quil.1hlc remc:tJ1es ,,' /l K' ,....._,.<,....r.Jm. , ", , " " LIl 45l-84l VA ASSUMPTION POLICY RIDER NOTICE: THIS LOAN IS NOT ASSUMABLE WITHOUT THE APPROVAL OF THE DEPARTMENT OF VETERANS AFFAIRS OR ITS AUTHORIZED AGENT. TillS ASSUMPTION POLlCY RIDER is ml1llc 1111' /JII. clay or AUI.cut .19 91 .willS mcnrponncd inen .1flJ ullul M llcemClJ II) amcnll anll JlJl1pltmcntll1o Murllli.O, Deed uf Trull, or Deed to Secure Debl nnsllllmenn lit the JAlne Ilate herewith, .11I\1en hy !.he undl.'rs1llne.1 n,fClr1l1illlnr~) It) Ja:unl the Monllllo,', NnlG ("Nule~) ot the W111S clule 10 linn Ml1nfll'. Cd"', (~!'r1otl.allecf') Jntl t:livcnnll Lhc: rrnJ'Cny de..'lwhcllln lhc: IUlllUmcm JIll. IIK:Jlcd OIl: iU nlCceuors and USian! \" " " '. HI} CI'Il;/f1lf/l'/" ('''mt', Gap RvuJ. ToJWIIIJup .'f .v",,1t MiJlIIl!tUlI, Cllmbt'lrlu/ltl c.,wuy, Gm""C)t11ll611Ith of PCllnsylvrmia J'1 ("""'11)' ,\JoJru'l Nmwith.unmJinll aU)'UUnIlIO tJll: (UIlIt""y fel (urm in the InsllUmenr. MUltKa.~ and Mur1lalor herehy acknowledles anti 3l1fee" III the fulfllwinll: GUARANTY: Shuul" lilt: [kp4tunent I,f Veteran, Afrain (ailnr ,efuse In is.,uc iLS Ilu:trnnly in (ull amount within 60 lIays flllln the ,talC thai thi11uiln wlIuhJ nnnnally hecnme elilCihle (Ilr slIeh guat:&l1ly emnmiut!tJ upon by the Departmenl of Velerans M(Jlu unller lhe plllvi,iulIS lI( TitJe lH nf tJlI~ U.S. Culle ~Ve{ernns Renelil.5". thIS Mnr1Yl1jeo may lIec:lare tJle indchledne:'ls herehy s<<urrl! !II unce l'Ues anlJ Jl.1Yllhlc and may (nra:lnse imllletJhllely or may ellcrci.'k! any other r1ahLS hereundet or rUe ally olhct (lmpet action as hy blw provi,lcd. TRANSFER OF TIm PROPERTY: If allllr ally pnn II( Ihe ProperlY Ilr any interesl in it is ~lld or lIans(ened, this loan mati tM: immttJiately Ilue anll pllyllblc upnn lIamfcl (";wumptinn") 1)( the property ~urinl such 10M 10 :lJIy trans(eree ("a,uumer"). Irnleu the acccf)rability of lhe assumpunn 3nd tr.1JIs(cr or lIIiJ loan is cstAblished by the Oepattmcnc of Veterans !\trout! or its authorized illlenl plll.1W1nIIU seetinn 11117A orChllptcl17, TIllIS 3M, United Stale.s Code. t\" ;JulhnmCllllMsrer \"ilS.ulmpliun") nf the IlrtlflCrly shall also he subjecl to lIlJdhionm covcnanLS and agreements oU sel rnuh helllw: (ill ,\SSUMPTJON FUNDING FEE' A ree ellllllllll nne.hal( IIr I percent (.j:O~) or Ill" unpa!~ prillcivuJ balance or this luan as III' me dute u( lnU15fer of the pmllt!'tly shall he pllYllblt: 31 the timo IIf lrnn~(et :0 the mnnlilllce or iLt iuUhonzetl 3gcnl. ll'I IIUSlet: tur the Sc:crelMY of Veter.u1!1 Alfai", I( Ihes ilSsumer fnils to ~y Ihis ree: OIl me time or transfer, tho reo sho.lI L:lInSUlute an iuhJiLiunal tlebl [I) Itun .uleatJy secured hy this innlumenl. ,haJl hem' intere.,t .iU me nile herein provided. and. al UIC n(llinn or IIlc mortgagee of tile 100Jehtl:tlne.u herehy stt:urCll or my tnu1sf~ree thcreof. ~hall he immedlalCly dllo :lJId payable, This fee ~ automaucally waived it the iIS..,umer is cllempl undcr the provisions of 38 U,S,C; 1819 (b). (h) 6lSUMPTlON PROCES1l.MfLQJAR.....Q.fi4..Upnn applicalinn fur .ppmvalto allow iWumption and lransrcr or thjj IlIun. a pnx:cssinll ree may be "larKed by me mllnallle8 or iLS alllhnrizctl aaent for dctcnninina the crulllwonhlne.u of the a.5SlImrr and !luhscqucnlJy revisin.1he holder's ownership rr.conls whcn an approved ltInSret II completed. Tho unounl or . I. litis chlU'll shllll not exceed Ibo muimum established by the Oepanmenl or Veterans A(rlW'S ror . loan to which _!Jon ...'. '1':~:,.'~.~ ....~:.' :t, ; lKI7AII(Ch.ple,J1.TiIleJ8,UnilCllSlIteSCodellppla. ,'" ._ ~"...,~)..__", (el ASSUMPTION INDEMNITY LIABILITY: I(!his obllla,",. is .......... !hen !h. _mer Iici.b1 ip... 10 _me " . ilIl or ltae Qbllll1UnnS 1)( thCI vtIUWI under the tmn. ortholnslrUments creaLlnI and SClCunne tho 10IIt.lncludlnl theobllptlon ,;' ~" ;.,,!:<:~::;,::::.\ of tho Vc&erIR IQ indemnify tho OepInment or VeLetlns Affllirs to tho Qtent or any claim paymenllrislnl &om the parlnay .., \. .' to I ~..." l ' or il1SU/1lllCO of !h. il1ll.b,.d.... ete4ted by !his insuumcnL:; 'r..~~.I~"" ":,::~ :;';\~~<::::.f~ , IN wl'rnnss WJiF.REOF. Mnnldlor(l) has C.1;cclJlcd mis A\'Iulnpuun Polley Riller. ' ~J.;.~,.r. ''''.'' . ."\)~':~t \"! ...:> .' ':)"'~~; ',.;;:,~~'{i;~'!;'<":.::'''..., '.1.,:' , , . . ~' . ....,,~..~ ',;,. ~~~.,.~.~:;.~"" (Seal) I"; "~.\~;';J'~',~..\:. . ,~".. l' ~ J.::F,;;. '., MWIp,lot . I..; :; ,,:;~-.'~ ::". . ~' lrV'IA',j^_'/I."- "",',:.'," ,!<.: '. ~!LLLl~L (Seal) !.....:.. " ..' MonPlor . '.. . ~:~~.i,::.'" i . " I , ~. " .... '. \ ~~IA.\.. (Seal) Munilllur ~-- u......"../A EdWflrrJ 8, J(ro,U6' .' ..... -....'. .. .... (.~..I) Mung31lnr f)att!:P //d Co.IlO(vtt,\f, t, , , . . , ,;' ~ ~. '.~.. . .., ..,.~. <\. iiiai108.? PIC, 842 <et>..S'll '''UI "..,. IU1IHOAUI "lJlWI Il>1ll91 "1lCI lIOOIUI./.Jt1 , ~0'3!ll:ld , ~ , ~:80 '36. l.0 ~.,! P LAIJI'l' I PI' '. U'I'IDAV'I'l' III StTPPOR'l' 01' %'1" lI00rIOH 1'0R Sl:lXJCll.ltY Jtn:lGM1l1l'1' STATt OF TEXAS ) . ss. COUNTY OF HARRIS ) ELLEN ~~SON, being duly sworn according to law, deposes and says: 1. I alii 8IIIployed in the capacity ot ASSISTAN'r SECRETARY ot Plaint!tt in the within matter. 2. In said capacity,' I alii tam.iliar with the account that forms the basis ot the instant toreclosure a~ion and am authorized to give this Attidavit. 3. Detendants mortgage payments tor the month ot BaX 1, l!!li and the months subsequent thereto are due and unpaid. 4 . The amounts dUlil on the Illortgaqe were correctly stated in the Complaint as follows:' '. Principal balance Intera.t 4/1/94 through 12/1/95 (par dielll $15.71) Attorney's fae cumulative late charges (8/13/92 to 12/1/95) Cost of suit and Title Search S\4btotal Escrow deticit 'tOTAL 67,450.70 9,567.39 3,372.00 445.54 750.00 81,5aS.n 1. 586.64 83, 172.:l1. 5. Mortgagors have failed to tender a payment since commencement of the Mortgage Foreclosure Action to Plaintiff which would bring their loan current. 6. Defendants have failed to reinstate the account or o!te~ any reasonable solution to cure the arrears on the past dua mnrt~age payments. FEDERMAN AND PHELAN By: FRANK FEDERMAN, ESQUIRE IDENTIFICATION NO. 12248 TWO PENN CENTER PLAZA, SUITE 900 PHILADELPHIA, PA 19102 in5} 563-7000 ATTORNEY FOR PLAINTIFF MELLON MORTGAGE COMPANY 3100 TRAVIS STREET HOUSTON, TX 77006-3699 COURT OF COMMON PLEAS CIVIL DIVISION PlaintiU TERM NO. 91.; - J57S CUMBERLAND COUNTY I .9. 11/1 t-i.~ OJ 3/, 'a/7 f., v. . EDWARD B. DOKER CAROLYN M. DOMER 150 CRAINS GAP ROAD CARLISLE, PA 17013 Detendant(s) CrvYL ACTION - LAW MORTGAGE FORECLOSURE NOTICE ThIs Is an attempt to collect a debt and any Information obtained will be used for that . purpose. You have been sued in Court. It you wish to detend against the claims set torth in the following pages, you must talee action within twenty (20) days atter this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your detenses or objections to the claims set forth against you. You are warned that it you tail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice tor any money claimed in the Complaint or tor any other claim or reliet requested by the Plaintitf. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU 00 NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FINO OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY COURT ADMINISTRATOR 4TH FLOOR CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013 (717) 240-6200 We hereby certify the within to be a true and corrr~ct copy of the ord1al filt~d of record FEDERMAN AND PHELAN ~':7"'" ... . . 1>." . . '-' ..... . .,..' . .~"'.""'-'.'''''''''~f''''''''''''li~I.''''' . ,It '. ~:' . r.. ":"'-;-", ~ .. .:",:.,....,j>' . .."~ . ..::;- . . WHEREFORE, Defendants pray this Honorable Court to continue Plaintiff's foreclosure action pendinq resolution of the case at Docket number 94 Civil 2988. Respectfully submitted, ARTHUR '1'. HCDERHOT'l' , ASSOCIATES ~ ~~ Art ur '1'. JfcDermott, 50 East High Street Carlisle, PA 17013 (717) 243-7807 --......... I!:squ.ke " --- V!lU'I~ION or pLEADINGS I verify that the statements IllAde in the attached docUlllent ue true and correct. I understand that fuse stat8lllents herein are made subject to the penalties of 18 pa. c.S. Section 4904, relatinq to unsworn falsification to authorities. Dates 019~ 41 J-~I tf6 Date: . EDWARD B. KROMER and CAROLYN M. KROMER, Plaintiffs vs. I IN THE COURT OF COMMON PLEAS OF I CUMBERLAND COUN'l'Y, PENNSYLVANIA I I CIVIL ACTION - LAW I I NO. 94-2988 CIVIL TE~~ I I JURY TRIAL DEMANDED I I ROBERT E. GOODLING and JUDY S. GOODLING, and WOLFE , SHEARER REALTORS, Defendants THIRD AMENDED COMPLAINT COMES NOW, Plaintiffs by and through their attorney, Arthur T. McDermott, Esquire and files this Third Amended Complaint and states as followsl 1. Plaintiffs are Edward B. Kromer and his wife Carolyn M. Kromer of 150 Crain's Gap Road, Carlisle, Cumberland County, Pennsylvania. 2. Defendants are Robert E. GoOdling, 258 West Baltimore Avenue, Carlisle, Cumberland County, Pennsylvania and Judy S. Goodling, 505 S. College Street, Carlisle, Cumberland County, Pennsylvania and Wolfe and Shearer Realtors, 33 South Pitt Street, Carlisle, Cumberland County, Pennsylvania. 3. On July 23, 1S92, Plaintiffs purchased the property at 150 Crain's Gap Road from Defendants Goodling. Wolfe and Shearer Realtors were the Real Estate Agents for the parties. 4. The Contract for Sale (Exhibit A) and the Deed (Exhibit B) are attached hereto. 1 5. The home was advertised as "virtually a new home." (See exhibit C) Oefendants knew and failed to disclose to Plaintiffs the following facts: al The modular home was built by Getty's Builders and sold originally to a Mr. Ray Salisbury. b) Salisbury experienced many problems with the home and filed a lawsuit for damages at No. 3715 Civil 1986. C) The law suit was settled, and as a term of the settlement, the home was removed from the Salisbury property to the current lot where it was at sometime subsequently placed on a foundation and sold to Defendants Goodling. dl The Goodlings knew or should have known the history of the home and willfully failed to disclose the known defective condition of the home. e) The Goodlings retained Wolfe and Shearer Realtors to list and sell the home. f) It is believed and therefore averred that Wolfe and Shearer Realtors also knew or should have known the defective nature of the home, and failed to disclose the faulty construction to the Plaintiffs. 5. The home is presently deteriorating due to its original defective conditions and having been placed on a faulty foundation. 2 7) mortar between bricks and bricks themselves are cracking. 5) Sidewall (carport) 1) carport is dropping; 2) siding buckled and cracking; J) door jamb cracked at all corners and starting to separate at bottom C) back of house (towards hill) 1) roof is warping and bulging; 2) shingles are loose and lifting; J) vinyl siding warping and b~cklinq; 4) aluminum framing of windows is warping, and wooden parts separating; 5) seals in patio was not properly installed, causing water leakage between panes of glass. D) Sidewall (basement entrance) 1) siding is warping; 2) aluminum facing on roof warped and buckling. III. Inside House A) Kitchen 1) door does not close properly and on moist or humid days will not lock; 2) mould growing on walls; J) drywall seams on ceiling exposed. 5) Dining Room 1) patio door jambs cracking (see II.C.5 above) 2) stud near doors is bulging; J) wall repaJ.red by former owner is cracked and separating; 4) heater separating from wall. 4 C) Living room 1) studs in wall toward kitchen are bulging; 2) archway framing cracked along studs; 3) warping above archway towards ceiling; 4) nail pops on wall towards bedroom; 5) mould and cracks in corners; 6} door jambs cracked on front wall facing road; 7} door not hung properly or out of plumb; 8} framing cracked on picture window; 9} windows do not operate properly; lO} window sill warped; 11) mould growing in all four corners of room; 12) wall towards carport has a bulge; 13) heater separating from wall; 14} ceiling cracked and drywall seams exposed. D. Hallway 1} all door jambs are cracking; 2} cracks at joint of ceiling and wall; 3} entrance to utility access cracked.. E. First bedroom 1} woodwork along floor separating from wall; 2) window frame cracked in corners and separating; 3} window doesn't work properly; 4) door is not plumb. 5 F. Bathroom 1) sink separating from walll 2) tub is sinking, there are cracks around tub and walll 3) drywall seams cracking by tubl 4) toilet not sealed properly. G. Master bedroom 1) door frame cracking I 2) closet door not levell 3) window frame crackingl 4) window will not open; 5) nail pops by window. H. Third bedroom 1) ceiling cracked by entrance; 2) door jambs cracked and separating at closet and entrance to room; 3) wall is cracked at top right corner of closet door and at tope left entrance door; 4) mould in two corners and along wall; 5) window frame splitting; 6) cracks in walls from frames; 7) window is dropping on right side. 7. It is believed and therefore averred that the majority, . if not all of the above defects are caused by initial building defects, and settling due to an unsatisfactory foundation. 6 MELLON MORTGAGE COMPANY, . IN THE COURT OF COMMON PLEAS OF . Plaintiff . CUMBERLAND COUNTY, PENNSYLVANIA . . . vs. . . . . EDWARD B. KROMER, and . . CAROLYN M. KROMER, . . Defendants 96-1575 ENTRY OF APPEARANCE TO THE PROTHONOTARY Please enter my appearance on behalf of the Defendants, Edward B. Kromer and Carolyn M. Kromer. Respectfully submitted, :,1 John Wesley Weigel III, Esquire. 50 East High Street Carlisle, PA 17013 (717) 243-1985 Date- ~\ .. . - . I WITHDRAWAL OF APPEARANCE . TO THE PROTHONOTARY: Please withdraw my appearance on behalf of the Defendants, Edward B. Kromer and Carolyn M. Kromer, who are now represented by John Wesley Weigel III, Esquire. Respectfully submitted, g/~/qc. Date I ~~. .-?~C' \ Arthur T. McDermott, Esquire 251 S. Pitt Street Carlisle, PA 17013 cc: Michele M. Bradford, Esq. Shawn A. Bozarth, Esq. Edward and Carolyn Kromer ... "'" f.; co ,. v; ; .., If M i~ ':-' :r. ) " Q.. ,~ -1-....; C '- C7\ ,',I} ... I h~ .... 1" ~~ .;lfe ~ - ~ '" d 0'> MELLON MORTGAGE COMPANY, . . Plaintiff . . . . vs. . . . . EDWARD B. KROMER, and . . CAROLYN M. KROMER, . . Defendants . . IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TO THE PROTHONOTARY ENTRY OF APPEARANCE 96-1575 B. Kromer and Carolyn M. Kromer. please enter my appearance on behalf of the Defendants, Edward "~"'-.<l--lL ~ ! ? 16 Dat~ Cc;,: Michele M. Bradford, Esq. SHawn A. Bozarth, Esq. Edward and Carolyn Kromer Respectfully submitted, ,t:,~,- '''/iL.-{: {J,~'/Jm. 6l6hn Wesley W~gel th, Esquire. 50 East High Street Carlisle, PA 17013 (717) 243-1985 ~ ir. N '- .::t [;~ I~ :!: .. <;)~ N :I: ~ !;-... .'''..,~ ,- Cl.. .j~ ~ ' . en 'j~ I &,tJ C; ,:Z JLJ~ F'= ;::l !H oct ~ '" '3 en u PRAECIPE FOR LISTING CASE FOR ARGUMEN1: (Must be typewritten and submitted in duplicate) TO THE PROTHONOTRARY OF CUMBERLAND COUNTY: Please list the within matter tor the next: o Pretrial Argument Court W Argument Court .------------------------------------------------------------------------------------------------------ CAPTION OF CASE (entire caption must be stated in full) Mellon Mortgage Company Plaintiff " , '/ , . I.' vs, Edward B. & Carolyn M. Kromer, Defendant No 96-1575 I. Slate Malter to be ar81Jed: Motion tor Summary Judgment 2. ldentilY counsel who ",ill argue case: (a) for plaintiff: Addreso: Shawn A. Bozorlh. E.qulre 110 Soulh Stnel. Harrlsbul'J. PA 17101 (b) for defendant: Address: Arlbur T. MeDennott, E.qulre SO E. Hllh Stnet, Carll.Ie, PA t7013 1 I will notilY all partie! in writing within two day. that this CIL<e hu been li.1L-d Ibr argument 4. Argument Court Date: Call of Argument Li.t Date: ,(I ((\ L. Shawn A. Bozarth, Esquire . ,,' ,', .,' .,., .' ,'. ,.;,' f~ r. '. . ,~ }~ "'. F; :1 r!:' ~, 1 " ':.'-',-_.' t :",,::. ~ :; , ", ,n'; I'. '.t;,..' ," ~:: Ii' '! , t' :' . , :; j .\ ~. : , . .. , '. .. ~ I; ~.'/ 1111 !i(~~U~ I:J~ fln -t' ..<,"" q<.. (=1.,......- C, I"-L~"-L' "';/.1'\ You may need an attorney to assert your rights. The sooner you contact one. the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attc)rney.) YOU KAY STILL BE ABLB TO SAVB YOUR PROPERTY AND YOU KAVB OTHBR RIGHTS BVDf IF THB SHBRIFI" S SALB DOES TAItE PLACE. 1. If the Sheriff's Sale is not stopped. your property will be sold to the highest bidder. You may find out the price bid by calling (215) 563-7000. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has hap51ened. you may call (215) 563-7000. 4. If the amount due from the Buyer is not paid to the Sheriff. you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time. the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff on .~,'" I I 3, I (I',' 7. This schedule will state who will be receiving that mdney. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Af'l1ol/'/ I';\'J. 7. You may also have other rights and defenses. or ways of getting your home back. if you act immediately after the sale. YOU SHOULD TUB THIS PAPER TO YOUR LAWYER AT ONCE. IP YOU DO NOT KAVB A LAWYER OR CANNOT APPORD ONE, GO TO OR TELEPHONE THE OPPICE LISTBD BBLOW TO PIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY COURT ADMINISTRATOR 4th Uoor Cumberland County Courthouse (717) 240-6200 ALL THAT CERTAIN lot or parcel of land, SITUATE in the Township of North Middletown, County of Cumberland and Commonwealth of Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the Southwestern side of Crane's Gap Road (LR 21031), 24 feet from the center line at the Eastern corner of Lot NO.7 on the hereinafter mentioned plan of lots; thence by the Crane's Gap Road (LR 21031) by a curve extending to the right and having a radius of 3,520 feet an arc length of 14.52 feet; thence by Crane'. Gap Road (LR 21031) South 45 degrees 0 minutes 31 seconds East, a distance of 71 feet to a point at Lot No. 51 thence by Lot No.5, South 43 degrees 59 minutes 29 seconds West, a distance of 125 feet to a point; thence North 46 degrees 0 minute. 31 .econds a distance of 85 feet to a point at Lot No.7; thence by Lot No.7, North 43 degrees 45 minutes 18 seconds East, a distance of 124.97 feet to a point the place of beginning. BEING Lot No. 6 on a final subdivision plan on 10 lots recorded in Cumberland County Plan Book 53, Page 22. CONTAINING 10,656.992 square feet or .2447 acres. BEING known as 150 Crains Gap Road, a/k/a Crane's Gap Road, Carlisle, PA 17013. PARCEL NO. 29(151251)51 TITLE to said premises is vested in Edward B. Kromer and Carolyn M. Kromer, husband and wife, by Deed from Robert e. Goodling and Judy J. Goodling, husband and wife, dated 7/23/92 and recorded 8/11/92 in Deed Book V35, Page 272. SEIZED in execution and to be sold as the property of Edward B. Kromer and Carolyn M. Kromer. J , 5. Name and addr~ss of every other person who has any record lien on the property: ~ LAST KNOWN ADDRESS (if address cannot be reasonably ascertained. please so indicate) BmII 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: ~ LAST KNOWN ADDRESS (if address cannot be reasonably ascertained. please so indicate) H2O 7. Name and address of every other person whom the rlaintiff has knowledge who has any interest in the property which may be affected by the sale: ~ LAST KNOWN ADDRESS (if address cannot be reasonably ascertained. please so indicate) T'SNANTI OCCt1PANT 1~ CRAINS GAP ROAD 'C LISLE. PA 17013 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. DBC'll!MRS. 5. 19 9 6 DATE <1/(/ i ~{{ ':}(rLUlrnt1f1 FRANK FEDERMAN. ESQUIRE Attorney for plaintiff ~ FORM" 48157 TO REORDER CALL MOORE BUSINESS PRODUCTS 1-800-882.3811 ;)ft. 'h''':' "~l~l..... _ '.,I'UH~~,_~,.t:..rAn"tl - .. . .c. .. t F~LO ~NO TEAR HERE f @2) '1I0f.u41S idfllOlll;l UJnllll:i Ilu,sn lO' no.< ~UlI4.l. .... J jU l~ ~ .fJsl ~ . ll~h!~ I :t JI o ,j ,; ,J .., ..,. : I J J f ~ ~ J 4 j ,. ~ ;}' ~iJ J II. I s j I" · s II Ii q ~ ~ ~a Q,3 ~ ~ : ~ II ~ l i ill: ! H . ~ ;~ Q !!l ~ ~ w i u ~ )8(0 j .... I .9- j '" 11 ~ ~ I I " !I ~ '" m cr M~ .11 u; ~~ ill 8 <tl --j I I ~ i ~ j a " ~ j ~ ! .. .. " ~ CD oj Ix ~ ~ ~ I, '1I01^JaS Id,aoal:l Ulnlill:lllu,Sn la' no.< ~U~4.l. ~ ~ 11 ~ J! ~ I i ld ~ ~I IT" .l! ~ a ~ 6 ~I IT" ~ ~ ~ B j ~ ii! ~ ffi i ~ I ~~o~]~~ i~ (J ~ ~; ~ --" !~ C- Ij )8( l~J ~ 1 -l-i...-L!__ ! ~ ~ ~ i -; 1-~ ~ j' j ; j .. J ~ . "] -~; . ! ~ J J 1 5 , ~ ~ 1 . ;, 9 ~ "j 'j l' n PI ij ~ i! J ~ ~! 1'4 ~ i j\ .2- ~ -1 .. 1 ~; HI~, e ~ j 1 II Ii : d ~ Ii,' u.d .1:;.11 -(- rn.. . e.., FORM" 48157 TO REORDER CALL MOORE BUSINESS PRODUCTS '.800-882-3a,~,,!,('.r'!'."l.Ii'>ll_ ti ."~,;,,,;,,~. '.~':'. .. t ;OLD AND rEAR HERE f ,. i j I " ! " ~ @Q) .9- I I" ;3 I~ 1.1.> ~] I i ~ a j I ~ " ~ 3 ~ Ix ... ~ ~ ..-.- .-,-, .,... a. c:; -1 ...~ c:; , '.1: ( . ~J.... -" :; . . '. 1::.- 1.___0 :', ~~(' ," i~ L6: . (".; ; '.: I ~ C', 1'::..1 "'-. 1..' 'u.. ,~ L... 'j ~ F- a- U Mdlon Mortgage Company In the Court of Common Pleas of vs Cumherland County, I'ennsylvania Edward B. Kromer and Cmolyn M. Kromer Writ No. 96-1575 Civil Term Steve Whisler, DepUly Sherin: who heing duly sworn according to law, says on June 30, 1997 at3: 19 o'clock P.M., E.D.S:I'., he posted the prnperty of Edward II. Kromer and Carolyn M. Kromer at ISO ('rains <lap Road, Carlisle, Cumberland County, Pennsylvania with a copy of Rcal Esta": Writ, Notice Poster and Description uccording to law. Dawn Kdl, Deputy Sheriff, who being duly sworn according to law, says on April 25,1 997 at 10:40 o'clock AM., EoD.S.T., he served a true copy of Rcal Estate Writ, Notice, and Description in the ahove entitled action upon one of the within named defcndants, to wit: Edward B. Kromer by making known unto Carolyn M. Kromer wife of Edward B. Kromer at 1722 Walnut Bottom Road, Curl isle, Cumberland County, Pennsylvania, its contents and at the same time handing to her personally the said true and attested copy of the same. Dawn Kdl, Deputy Sheriff, who being duly sworn according to law, says on April 25, 1997 at 10:40 o'clock A.M., E.D.S.T., he served a true copy of Real Estate Writ, Notice and Description in the above entitled action upon one of the within named defendants, to wit: Carolyn M. Krorner by making known unto Carolyn M. Kromer at 1722 Walnut Bottom Road, Carlisle, Cumberland County, Pennsylvania its contents and at the same time handing to her personally the said true and attested copy of the same. Steve Whisler, Deputy Sheriff, who being duly sworn according to law, says on June 30, 1997 at2:41 o'clock P.M., E.D.S:r., he served a true copy of Real Estate Poster in the above entitled action upon one of'the within named defcndants, to wit: Edward B. Kromer by making known unlo Carolyn Kromer wife of'Edward B. Kromer at 1722 Walnut Bottom Road, Carlisle, Cumberland Counly, Pennsylvania its contents and at the same time handing to her personally the said true and attested copy of' the same. Steve Whisler, Deputy Shcriff: who being duly sworn according to law, says on June 30, 1997 at2:41 o'clock P.M., E.D.S.T., he served a true copy of'Real Estate Posler in the above entitled action upon one of'the within named defendants, to wit: Carolyn M. Kromer by making known unto Carolyn Kromer at 1722 Walnut Bottom Road, Carlisle, Cumberland County, Pennsylvania its contents and atlhe same time handing 10 her personally the said true and attested copy of'the same. R. Thomas Kline, Sheriff, who heing duly sworn according to law, says that he served Real Estate Writ Notice Poster and Description in the following manner: The Sheriff'mailed one of the within named defendants, to wit: Edward B. Kromer II notice of the pendency of'the action by regular mail to his last known address lit 1722 Walnut Bottom Road, Carlisle, Pennsylvania 17013. This letter was mailed undcr the date of' July I, 1997 and was never returned to the Shcrin's Office. R. Thomas Kline, Sherill', who being duly sworn according to law, says that he served Real Estate Writ Notice, Poster and Description in the following I11l1nner: The SherilTmailed one of the within named dclcndants to wit: Carolyn M, Kromer a notice of' the pendency of the action by regular mail to her last known address at 1722 Walnut Bottom Road, Carlisle, Pennsylvania 17013. This letter was mailed under tl1\: dale of July I, 1997 und \Vas never returned to the Shcriffs Ollice. R. Thomas Kline. ShcrilTwho being sworn according to law, says that after due and legal ~ JQLLON MORTGAGIl COMPANY I CUMBERLAND COUNTY I COURT OJ' CONHOII PLEAS I CIVIL DIVISION v.. IDWARD B. IROKBR CAROLYN N. KROMER I 1i0. U-1575 AJ'rIDAVIT PURSUANT TO RULE 3129 LAffidavit No. 11 MELLON MORTGAGE COMPANY, Plai.ntiff in the above action, by its attorney, FRANI< FEDERMAN, ESQ., sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at 150 CRAINS GAP ROAD. CARLISLE. PA 17013. 1. Name and address of owner(s) or reputed Owner(s): ~ LAST KNOWN ADDRESS (if address cannot be reasonably ascertained, please so indicate) EDWARD B. KROMER 150 CRAINS GAP ROAD CARLISLE. PA 17013 CAROLYN M. KROMER 150 CRAINS GAP ROAD CARLISLE. PA 17013 2. Name and address of Defendant(s) in the judgment: ~ LAST KNOWN ADDRESS (if address cannot be reasonably ascertained, please so indicate) SAKIl AS ABOVE 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: ~ LAST KNOWN ADDRESS (if address cannot be reasonably ascertained, please so indicate) IlQU rIDIRY.. and PHILAH BYI rRANK rlDIRXAN Identification No. 12248 suite 900 Two Penn Center Plaia philadelphia, PA 19102 (215) 543-7000 ATTORNEY rOR PLAINTIFF "LLO. KORTGAGE COMPANY I CUHBERLAND COUNTY I COURT OF COKMON PLIAS I CIVIL DIVISION v.. I IDWUD B. DOKIR CAROL YJf K. DOKIR I NO. '6-1575 CERTIFICATION FRANK FEDERMAN, ESQUIRE, hereby verif ies that he is attorney for the Plaintiff in the above-captioned matter, ana that the premises are not subject to the provisions of Act 91 because it is: ( an FHA mortgage ( non-owner occupied ( vacant (XX) Act 91 procedures have been fulfilled This certification is made subject to the penalties of 18 Pa. C.S. section 4904 relating to unsworn falsification to authorities. -i~jJ~ FRANK FEDERMAN, ESQUIRE Attorney for Plaintiff , MELLON MORTGAGE COMPANY . CUMBERLAND COUNTY . . COURT OF COMMON PLEAS . va. I CIVIL DIVISION I EDWARD B. DOMER . . CAROLYN M. DOMER I NO. 96-1575 NOTICE OF SHERIFF'S SALE OF REAL PROPERTY APRIL 10, 1997 TOI EDWARD B. KROMER CAROLYN M. KROMER 150 CRAINS GAP ROAD CARLISLE, PA 17013 THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT AND ANY INfORMATION OBTAINED PROM YOU WILL BE USED FOR THAT PURPOSE. Your house (real estate) at 150 CRAINS GAP ROAD. CARLISLE. PA 17013, is scheduled to be sold at the Sheriff's Sale on Wednesdav. SEPTEMBER 3. 1997 at 10:00 a.m. in the Cumberland County Courthouse, South Hanover Street, Carlisle, PA 17013, to enforce the court judgment of S83.172.27 obtained by MELLON MORTGAGE COMPANY (the mortgagee) against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate actionl 1. The sale will be cancelled if you pay to the mortgagee the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call: (2151 563-7000. 2. You may be able to stop the sale by filing a petition' asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. J. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) YOU KAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IP THE SHERIPP'S SALE DOES TAKE PLACE. 1. be sold calling If the Sheriff's Sale to the highest bidder. (215\ 563-7000. is not stopped, your property will You may find out the price bid by 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sa le will go through only if the buyer pays the Sheriff the lull amount due in the sale. To find out if this has happened, you may call (215) 563-7000. 4. If th~ amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff on ((""r, .7./'177 . This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distributiop. is wronv .are filed with the Sheriff within ten (10) clays after Il',.f .1.i,'l'1. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IP YOU DO .Of HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OPPle. LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY COURT ADMINISTRATOR 4th floor Cumberland county Courthouse (717) 240-6200 ALL THAT CERTAIN lot or parcel of land, SITUATE in the Township of North Middletown, County of Cumberland and commonwealth of Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the southwestern side of Crane's Gap Road (LR 21031), 24 feet from the center line at the Eastern corner of Lot NO. 7 on the hereinafter mentioned plan of lots; thence by the Crane's Gap Road (LR 21031) by a curve extending to the right and having a radius of 3,520 feet an arc length of 14.52 feet; thence by Crane's Gap Roed (LR 21031) South 45 degrees 0 minutes 31 seconds East, a distance of 71 feet to a point at Lot No.5; thence by Lot No.5, South 43 degrees 59 minutes 29 seconds West, a distance of 125 feet to a point; thence North 46 degrees 0 minutes 31 seconds a distance of 85 feet to a point at Lot No.7; thence by Lot No.7, North 43 degrees 45 minutes 18 seconds East, a distance of 124.97 feet to a point the place of beginning. BEING Lot No. 6 on a final subdivision plan on 10 lots recorded in Cumberland county Plan Book 53, Page 22. CONTAINING 10,656.992 square feet or .2447 acres. BEING known as 150 crains Gap Road, a/k/a Crane's Gap Road, Carlisle, PA 17013. PARCEL NO. 29(151251)51 TITLE to said premises is vested in Edward B. Kromer and carolyn M. Kromer, husband and wife, by Deed from Robert e. Goodling and Judy J. Goodling, husband and wife, dated 7/23/92 and recorded 8/11/92 in Deed Book V35, Page 272. SEIZED in execution and to be sold as the property of Edward B. Kromer and carolyn M. Kromer. WRIT OF EXECUTION end/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO. 96-1575 CIVIL 19_ CIVIL ACTION. LAW TO THE SHERIFF OF CUMBERLAND COUNTY To sallsly the debt, Interest and COSIS due ___Me llo~.-!I.?r t gage __~ompa n y lrom 17013. Edward B. and Carolyn M. Kromer. PLAINTIFF(S) 150 Crains Cap Road. Carlisle PA (1) You are directed 10 levy upon Ihe property 01 Ihe defendanl(s) and 10 sell at 150 Crains Cap Road. Carlisle PA 17013. (See attached Legal DEFENDANT(S) Real estate located Description.) (2) You are also dlrecled to aUach Ihe property ollhe defendant(s) nollevled upon In the possession of GARNISHEE(S) as follows: and to nolHy the garnlshee(s) thaI: (a) an allachment has been issued; (b) the garnlshee(s) Is/are enjoined Irom paying any debt to or for the account of the defendant(s) and from delivering any property 01 the defendant(s) or otherwise dispoSing thereol; (3) II property 01 the delendanl(s) not levied upon an subject to aUachment is found In Ihe possession 01 anyone other than a named garnishee. you are directed to nOlily hinvherthal he/she has been added as a garnishee and is enjoined as above slaled. Amounl Due $83.172.27 Interest 12/1/96 to 9/3/97 @ $15.71/dien LL Due Prothy Other Cosls $1.00 AUy's Comm % Any Paid :;1814.17 Plainllll Paid \ Dale: April 14. 1997 Lawrence E. Welker PrOlhono ry, C by ~#. , Oepuly REQUESTING PARTY: Name Frank Federman. Esquire Address: 2 Penn Centl!r, Ste. 900 Philadelphia PA 19102 Anomey lor: Plain tiff Telephone: (215) 563-7000 Supreme Court 10 No. _______________ .u_ . THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Und8r Act No 587 ADDrOlled Mllv 181m C_.a...1tll ot PIIA.uyJn.aJ., Cou.acy ot DaullbJzl1 .. MIt:tIiHl/Mtxrow being duly sworn accordi.ng to law, deposes and says: Th.1 h. I. Ihll A..I.lanl Conlrall.r 01 THE PATRIOT-NEWS CO., . corporaUon org.nlzed .nd .xl.Ung under Ih. I.WI ollh. Commonw..lth 01 P.nn.ylv.nla, with II. principal office .nd pl.ca 01 busln... al 812 10 818 Markel Slr.el, In Ihe City 01 Hsrrlsburg, County 01 O.uphln, Slsle 01 P.nn.ylv.nla, owner .nd publisher 01 THE PATRIOT. NEWS .nd THE SUNDAY PATRIOT-NEWS newspaper. 01 gen.rsl clrculaUon, prlnl.d and publlsh.d .1812 10 818 Mark'l Slra.l, In Ih. City, County snj Slate .foresald; Ihal THE PATRIOT-NEWS .nd THE SUNDAY PATRIOT.NEWS w.r. est.bll.hed March 41h, 1854, .nd S.pt.mber 18th, 1949, rasp.oUv./y. .nd all h.v. ba.n contlnuou./y publl.hed .ver 'Inc.; That Ihe prlnt.d nollce or publlcsUon which Is securely allachad h.ralo Is .xacUy .a prlnt.d snd pUbliShed In Ih.lr regular .ndlor Sund.y .nrt Melro .dIUonall..u.a which spp.ared on Ih. 22nd and 291h day. 01 July and the 5th day(s) 01 Augu.t1997. Th.t n.lth.r h. nor s.ld Comp.ny Is Inl.r.sled In th. subject mailer 01 said prlnt.d nolle. or sdv.rtlslng, .nd 1h.1 .11 01 the .1I.g.Uon. ollhls stal.m.nl as 10 Ih. 11m., plac. .nd characler 01 publlcallon are Iru.; end Tha' h. ha. personal knowledg. 01 Ih. l.c18 aloresald and I. vlrlu. .nd pursuanl to . re.olutlon un.nlmously p....d .nd .dopted ..v.rally by Ih. .Iockhold.rs .nd board 01 directors 01 the said Company .nd subaaqu.nlly duly r.cord.d In the alllce lor Ihe Recording 01 Ouds In snd for said County 01 Dauphin In Mlscalleneous Book "M", Vatume 14, P.ge 317. ~ ,f COpy 0' PUBLICATION ,~;~'~.;~i{ . ..- ,.--" It J,;-...... 'Jl.;:'f;"'.c,,.,,,,,;',:.,, " --" l~~f~' L ..... T."YL:.:11.1~~ . l M ' tU~~ .I~~ My c~:::~:1~ ~:~':}:~ju:~ 991 ~-/Not.,y Public IE' ' ."'~It~:rci CUt.1=::.:n."::I~OFA:sS/on uplres Jun. 6, t99/J "., ~on~ '~zt Offrom~'=terbO: =S~A. 17013 ii, "';~~i 1111...... o. Ab.rtlslo. COstL I rJl....maxo:: radii of I8at To THE PATRIOT-NEWS CO., Dr. ,r~o.~~.!C'~.~ For publishing Ihe nolle. or publlcaUon allach.d her.to an Ih. . ~ 31. ........ .bov. .lated dales. .203..... ! 1Llilt~~kat= ProbaUng same . 1.00 .=~~~ Tolal .204..... '. O'iaaflletloOpontatLatNo.7; her' 8 ReceJ.pt for A4vertJ.8J.ng C08t T ,17f lot No. 7. NoI1tt 41 ~ ' 18 MCOndIEoIt. a ~....... olTHE PATRIOT-NEWS .nd THE SUNDAY PATRIOT-NEWS, newspapers 01 general cl ~ I8at 10 0 P<*1I the place of elpl 01 Ihe elor8Seld nctlce snd publication co.ls end certlfl.. th., the same hava b.....1IUGlof No. 6 on a fInoIlUlldIItion i~~=: I ,1lEtlG known oa IjO CIIlilI ~ J~c:lMrl Qa1e'. Gql Rood. CoIl- ;;, ,AllCEL NO. 29 (151251) 51 '~''','l\ll.E 10 Ilid, PI8!11IIaI II \I8Itect In .:~ ond <:crotro M. ond wtIe. \lv Dead from E. GoocIIna ond Judy J. IilaocIna. huIbond CI1d wlte. dated 71'l31'12 CincllllCOIdad 81111'12 In Dead Ioclr ~ Poga 272. SElZB) In 8ll8CUtlon ond to be IOId : Gl.1IllI ~ of EdWard 8. I<Iomat lot. . THE P~TRIOT.NEWS CO. By.................................................................... ~.!J-' :l 6- PROOf' Of' l'lIIlLICATION OF NOTICE IN Clll\lIIERI.ANU LA W JOlJRNAI. (Und~1' Al'l N", 5X7, appl'owd M:IY If>, 1')2')), p, L.17X.\ STATE OF PENNSYLVANIA : ss. COllNTY OF ClJl\lUERI.ANU : Roger M, 1\I0rgcnlhlll. "\qllll'\', ""illII' or 11ll' ('lImonland I.a\\ JOlIl'l1al, "I' Ihl' County and Stat~ atilr~said, being duly """1'11, al'l'IIrding ,,, la\\, lil'pO'I'., and .'ay.' thaI th~ CIII11I,<,rland Law Juul'llal, a I~gal p~l'i"dkal puoli.,hl'd in 11ll' n"r"ugh "I' Carlisll' in the C"unlY und Stall" aforesaid. was establish~d Januury 2. 11)52, ulld ,bigllall'd hy th~ '''"ul "uurts as the unkial legal pcriodicul fur the Pllblkutiun ur all kgalnulk~". and hu." Silll'~ Junual'Y 2, 1952, been regularly issued weekly inthl' suid CIlllmy. and that till" prinll'd 1l"lice or puhlkaliun ulluehed heretu Is eltaclly the SUlnl' as wus pril1l~d in 1111' I"<'glllur l'liitiuns amI isSlIl'" uf tl1l' said Cumbel'lund Law Journal Oil Ihe r"II"wing dute", viz: JULY IX. 25, Al!(llISTl.l'HL.. Affianl further deposes th:ttl1l' i, aUlhori/l"d to vl"riry this stutement by the Cumberland Luw Journal. a legul periodiclll ur genl"ral dl'culuti"Il, ulld thUI he is nut interested in Ihe subject mutter of the aforesaid nOlice Ill' adverti.\l'nll"IlI, and Ihat 1111 allegatiolls ill the flll'egoing statements us 10 time. place und chal'Uctl'1' or poblkatilln arc lru~, IILU. UTATI: IAI.& 110, :I Wril )/0, 96.1575 Civil Mellon MortguJ;tc Com(mny \'S. Edwdn:1 f:I. Kmrner Rnd Carolyn M. Kromer Atty.: Fmnk Federmon ALL TIIAT CERTAIN 101 or porccl or tond, SITUATE In IIlc Town.hlp or North Mlddletuwn. County of Cum- berland IUld CommonMnlth orr..nn. sylvania, mo", partlcolarly boundod and d_ribed sa rolJowa, to wtt: IlEGINNJNG at a polnton the South. """ltnIslde or Crane's Gap Rood (LR 21031J. 24 feet from the cenler line at the Eastrrn corner of Lot No. 7 on the hereinafter menUoned plan of 101s; thence by the Crunt's Gap Rond (LR 21031) by a curve extending to Ihe I1Aht and havtnJ.( it r.ullus of 3.fi20 lr-rt un un' lrnglh flf 1 ,1,!12Ii'rt; Ihrmce by Cram~'s Gnp Road (LR 21031) South 45 deg""", 0 minute. 31 ~conds EUSl.ll dlstanceof71 fert I 10 a point at lot No, 5; thence by Lot No.5, South 43 degl'r'e9 59 minutes 29 ~cond9 West, IJ distance of 125 fed to il point: thence North 46 de- Wt't'8 0 mlnules 31 8('conds a dls- lance of 85 (ed to a polnl at Lot No. 7; thence by Lot No.7. North 43 degrttos 45 minutes 18 seconds East, a distance of 124.97 (eet to u point the place or bel!lnnlng. BEING Lot No.6 on n final sulxU. \'tHlon pin" on 10 lots rrcordt'd In Cumberland County Plun Buuk sa. POj(e22. COl\'TAJNING IO,65f3.99'J !';CIUUl'r' f~t or .244 7 al~rr!'4. DEING known ,l.'j 150 CraJu"l nan ~71/i . Rogt. I'v~,~genth:tl, Editor SWORN TO AND SUBSCRIBED befure me this --Ldayor AUGUST. 1997 .-~~_L_ __ Notary NOT ARJAlSEAl LOS E. SNYDER, Nota.... Public CariWe "ro, CumiN<land Co,,"1)' PA My Camml.....lopi.... March 5, 2001 ! t j'l I' , .' . VERIFICATION OF PLEADING I veri fy that the statements made in the attached pleading are true and correct. understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. j'-3/-1f Date 17 ;' 'f ~' I La ittt/t II ..Ul7Li',L Carolyn M. Kromer MELLON MORTGAGE COMPANY Plaintiff : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYL V ANlA : 96-1575 CNIL TERM v. EDWARDB. KROMER AND CAROL YN M. KROMER Defendants : CNIL ACTION - LAW c , ., .', .- - " -. '" f ~ ,. " "':1 . J , I " " ,. , :J ;1-:-, - -~i - ,- i -- ; ~,rn .. .:1 ::> ;-.. ~ . I - In =< PETITION TO MARK JUDGMENT SATISFIED NOW COME the Defendants, Edward B. Kromer and Carolyn M. Kromer, by their attorney, John Wesley Weigel III, to petition the court pursuant to 42 Pa.C.S. 8103, alleging as follows: I i. On March 22, 1996, Plaintiff filed its complaint in the above matter to foreclose its mortgage on Defendants' residence at 150 Crane's Gap Road, Carlisle, Cumberland County, Pennsylvania. 2. On August 13, 1996, Defendants entered into a consent judgment that allowed plaintiff to list the disputed property for sale on or after Now:mber I, 1996. The consent judgment was approved by the court on September 23, 1996. 3. Plaintiff took title to the premises at 150 Crane's Gap Road, at a sherifCs sale held on October I, 1997 " 4. The statute of limitations for ajudgment creditor to petition-for a deficiency judgment is six months. 42 Pa.C.S. 5505. 5. Plaintiff has failed to avail itself of the right to petition for a deficiency judgment. It is therefore barred from ever filing such :l petition. 6. Defendants are entitled by law to have the judgment against them marked satisfied. 42 Pa.C.S.A. 8103. . . -Exhibit "A" - ,- ''') (1; r . . l!,I' (',. ( , f; ~ ( " f' ,-, t. I 1:...' . ( , . (...C ", r' . L- U' , " -- \.~ . ~ ..oJ .. ~.. l~,1 , " , .. .~l i;,"'" , , I ; \ . 1"1 '" I , , ,. " C) 1 , '-' (J --