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MBLLON BANK, N.A., AS SUCCESSOR
TRUSTIE, for PINNSYLVANIA HOUSING
PINANCI AGBNCY,
PLAINTIPP
VS.
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NOTICE
IN THE COURT OP COMMON PLIAS
CUMBERLAND CO., PENNSYLVANIA
NO. fc',
,) j ") I (I, ClJ.../
CHARLIS E. LOPERT and
DIANI M. LOPERT,
DEPENDANTS
CIVIL ACTION - LAW -
IN MORTGAGE PORE CLOSURE
You have been sued in court. If you wish to defend against the
claims set forth in the following pages, you must take action within
twenty (20) days after this complaint and notice have been served.
To defend against the aforementioned claims, a written appearance
stating your defenses and objections must be entered and filed in
writing by you, the defendant, or by an attorney. You are warned
that if you fail to take action against these claims, the court may
proceed without you and a judgement for any money claimed in the
complaint or for any other claim required by the plaintiff may be
entered agai~st you by the court without further notice, You may
lose money, property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP,
CUMBERLAND COUNTY
Court Administrator, Cumberland County Courthouse
Carlisle, Pa. 17013 -- (717) 240-6200
NOTICIA
Le han demandado a usted en la corte, Si usted quiere defenderse
de estas damandas expuastas en las paginas siguientes, usted tiene
viente (20) dias de plazo al partir de la fecha de la demanda y la
notificacion. Usted debe presentar una apariencia escrita 0 en
persona 0 por abcgado y archivar en la corte en forma escrita sus
defensas 0 sus objeciones alas demandas en contr.a de su persona.
Sea avisado que si usted no se defiende, la corte tomara medidas y
puede entrar una orden contra usted sin previo aviso 0 notificacion y
por cualquier queja 0 alivio que es pedido en la peticion de demanda.
Usted puede perder dinero 0 sus propiedades 0 otros derechos
importantes para usted.
LLEVE ESTA DEMANDA A UN ABODAGO IMMEDIATAMENTE, SI NO TIENNE
ABOGAD 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA
EN PERSONA 0 LLAME POR TELEFONE A LA OFICINA CUYA DIRECCION SE
ENCUENTRA ESCRIDA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR
ASSISTENCIA LEGAL:
CUMBERLAND COUN'U
Court Administrator, Cumberland County Courthouse
Carlisle, ?a. 17013, - (717) 240-6200
MELLON BANK, N.A., AS SUCCESSOR
TRUSTEE, for PENNSYLVANIA HOUSING
FINANCE AGENCY,
PLAINTIFF
IN THE COURT OF COMMON PLEAS
CUMBERLAND CO., PENNSYLVANIA
VS.
NO.
(ll" , , -rL~-,
q (. ~ t' \' I c..tr-^
CHARLES E. LOPERT and
DIANE M. LOPERT,
DEFENDANTS
CIVIL ACTION - LAW -
IN MORTGAGE FORECLOSURE
COM P L A 1 N T
1. Plaintiff is MELLON BANK, N.A., as Successor Trustee, for
Pennsylvania Housing Finance Agency, pursuant to a Trust Indenture
dated as of April 1/ 1982 ("Trust") / by its servicing agent Bank
America having an office at P.O. Box 26388, Richmond, Virginia
23260-6388,
2. Defendants, CHARLES E. LOPERT and DIANE M. LOPERT are both
adult individuals whose last known address is 907 Good Hope Road,
Mechanicsburg, Pennsylvania 17055.
3. On or about October 30, 1991/ Defendants executed a
Promissory Note ("Note") in favor of Sovran Mortgage Corporation-
("Original Mortgagee") in the principal amount of $49,500.00, the
proceeds of which were used to purchase a residential property
located at 907 Good Hope Road, Mechanicsburg, Pennsylvania 17055,
which Note is attached hereto and marked Exhibit "A",
4. Contemporaneously with the execution of the aforesaid
Note, in order to secure payment of the same, Defendants made,
executed and delivered to Original Mortgagee, a certain real estate
Mortgage whJ.ch is recorded in the Recorder of Deeds Office of
Cumberland County. in Mortgage Book 1034, Page 147,. The mortgage
was assigned to Corestates Bank, N,A. / as Trustee, for Pennsylvania
Housing Finance Agency, pursuant to the terms of said Trust, and
recorded as aforesaid in Book 406, page 1018 on November 4, 1991.
Said mortgage evidences the terms of said Note, the balance of
which is set forth in paragraph four of this Complaint. The
Mortgage and Assignments are incorporated herein by reference.
5. Mellon Bank, N. A., i1g the Successor Trustee to Corestates
Bank, N.A., under said Trust and has th~ power and authority to
bring chis action in mortgage foreclosure.
6. The land subject to the Mortgage is: 907 Good Hope Road,
Hampden Township, Mechanicsburg, Pennsylvania 17055, and is more
particularly described in Exhibit "B" attached hereto, The
Defendants are the sole owners of the said land,
7. The Mortgage debt is in default due to the fact that
Defendants have failed to pay the installment due on October 1,
1995, and all subsequent installments thereon, and the following
amounts are due on the Mortgage:
(a) Unpaid principal balance
(b) Interest at $10.89 per day
from 9/1/95 to 6/1/96
(based on a contract rate of 8.350\)
$47,608.91
2,972,97
(c) Accrued/Accumulated Late Charges
and Late Charges at $18.72 per month
(d) Escrow deficit
149,76
91,51
(e) 5% Attorney's Commission
TOTAL
2.380.44
$53,203.59*
*Together with interest at the per diem rate noted in (b) above
after June 1, 1996. and other charges and costs to date of
Sheriff's Sale, The attorney's fees set forth above are in
conformity with the Mortgage documents and Pennsylvania law, and
will be collected in the eVF.!nt of a third party purchaser at
Sheriff's Sale. If the Mortgage is reinstated prior to the sale,
reasonable attorney's fees will be charges that are actually
incurred by Plaintiff.
8. No judgment has been entered upon said Mortgage in any
jurisdiction.
9. Notice of intention to foreclose and to accelerate the loan
balance has been given to the Mortgagors, in accordance with
Section 403 of Pennsylvania Act No. 6 ot 1974, but t.he Mortgagors
have failed to reinstate the Mortgage in accordancp. with the
provisions thereof. A copy of the Notice is attached hereto and
made a part hereof as Exhibit "C".
10. Defendants are not members of the Armed Forces of the
United States of Amarica, nor engaged in any way which would bring
them within the Soldiers and Sailors Relief Act of 11940, as
amended,
11. Plaintiff has complied with the procedures required by
Pennsylvania Act 91 of 1983 (Homeowners' Emergency Mortgage
Assistance Payments Program) and Defendants have either failed to
meet the time limitations as set forth therein or has been
determined by the Housing Finance Agency not to qualify for
assistance,
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7. GIVING 01' NOTICES
l'nle,,' applh,;lthh: lil~l ,(cluin:" IIl.hfr-.:,,:nt 1111:fhull. lJll~ nlitl,;1.: Ihilt n1u!'tt hI: ~~\t:n III l1le umkr thl~ Notl,' nil! hI.' jti\l,:II b~' tJdi\crinl( il
m h~ n1l1ilinl( il by fint ,I~I" I1Il1iltll n1l: lit thl.' 1.'lIpl.'rt~ AJ,lfl,'" Jhll\l.' IIf ;11 J ditft:11.'1I1 ,ltJ\lfl:~' if Il(i\l.:' Ihl.' Nute t1ol,k, II lIutll'l.' Ilf my
uiff~renl IIJtJreS",
Any nUlice thlt "'u~, b..: KI\'en 10 11u.: NUl... IlulJ...r UIIl.J...r Ihi'4 Nlllt: \\ ill be RiH:n h~' I1llJiliJll( i[ h\' fil!\t d,,~'1 Ithlil to Ihe Not<<: HI,I..Jcr
lit thl: ItJtJru!\ !IUted In Sct,;liun ,\(A) ;abCl\c ur III J I,jI'krt:1lI ~ldJII.'~' if I Jill ~i\l.'1l J lIlIlll.'l.: I,f IhJt lIi(f\:'l'lll IHIt.ln.:'\!\,
8, OIlLlGA TIONS 01' PERSONS UNl>lm TillS NOTE
If nlOr~ thin one penHn II~" Ihis NUll:, l.'lll'h 1'1.:1'UlI i~ fully ,1111.1 "er!'toll;llh' uhli~JteJ III kce~' ~II uf Ihl.: 11I11I1Ii'\(, millll,' in thi'l NIIII.:.
incluJina1he promise tu pj~' Ih..: fullllnlllUntll\\Cl': ^Il~ l''-'I''Illn \\hu i'l J /(t11If;UlIur. 'IIrCI~ ur C:1l"'ur~r uf Ihi'l NutC,,' i, 111'\11 l,bli~lIh:J to lIu
Ihe~... Ihinlt,l. ."n~' renon uho likes o\'cr thelle: nhhllllulln'l. iududinJ( thL: IIbliK.llillll'l Ilf ,I Jl,UllranlUr. l'urCI\' or clHJlIr~er Hf thi'l r\1l1C'. i~ IIhu
oblhou~d to k.:c:p 1111 of the pro"li~C'I\ "'lIl.h: ill thi" NIIle. The NUll: t lulJl,'r IH~Y l.mflul..t: it!\ rillhu Illlf.Jel (hi~ NUlL: II~Jin:'>t (lu:h pl.:f\U!l ilull\'illUJI.
h' or IltIIinst III uf U!\ lo~cthc:r. Thi!l Mlcan" thlltllllY tllle ut' II" molY hc rl,'quirl,'d lU Il:ay lilt IIf till: I.lmuullt" O\\l'd undu Ihi" N.,I....
,/, WAIVEI\!l
I ilnd Iny othc:r p(non ~\h() hll5obliKl1tilJn' umha thi!! ~lltl.: \'~Ii\... th( ril-tlle' llf r",..~cnrlllelll ",,1.1 nutke uf th,lwllllI. MIJrc~ellfnII.:IlC~ mc.IIl'\
Ih.: rl~c to require thC' Notf Uolller tu ..Jcl1lllnd pil~n1(1lI Ilf I.lI1\lJllIII'\ dlIC. -Nutice Ilf lIi~holln( Ille',"''' 111l.: ri~lll tll rl.'llllirl.: the: r\lltC Hllh.h:r
to Ki\e nOlice co other persons thac IImounl!'o dut' h.l\t' nut hCl:n llllid.
10, UNIFORM SECURED NOTE
Thi'l NIJh: is I uniform imlfUn1Cnl \\ith limit...d \,HlJli'll\\ ill '11l11l: jllli'\dktillll", III additi'lll (ll thc prOl(t,;liIJII ~i\cll tl) th... Nut.... HulJl.'r
lIn..J....' Ihi!! Note, II MortgllKe, I>e....d I)f Trust III ~ct:urit\, Deed (the ~Sl,'\'urity 111,\ulIlllt:n(l, dllted the !!,lIl11.: 1I3tl.' 11' Ihi!'. NIIII.'. prnll.'l'n Ih...
:'\ucc Bolder frl)m pOll!llblc loues \\hich miKht 1(!llIll if Ill.. !lilt ~e:l.'p Illl: prIJll\l1l.:\ \\hkh 11lI1Ih.l:' in Ihi" NutI.', Thllt Sl.:I..urlty In!\trUl11l.:lll
lIc!u.:rihc:s how Inll untJer what "onllition.'1IIl1I1~' be requill:lllllll1~lkc ill\l'll.:ui~le p,l~mCtlt in filII IIf all "llUJUIlt'\ 11)\\1." und~r thi" NIlIC, Slime:
uf chI,' conditions I,e lIescribel,j In fullo,,",:
Tran"rcr or the Prop..:rt" or u Ikndicil\lllllerl.'st in nl)rrl.w~r. If 1111 or any lurt Ilf 11le: Property IIr an~ illlell.',t III it l!li
soltJ or u;ansferred (01 if II bcncfld;al inlcrl.'u III nl/HI,\\ 1.:1 i~ sold III lIOln"(I..'ul.'d Jml Borro\\cr i" IInl .. natural pcnnn) \\ ithtlllll.cnllcr'"
prior wrillen consenl. Lender nlay. at ir.\ llPtilln, require inlllleJiall,' paYI1ll,'1l1 in hill or aU "11l11!\ ~cr.:url,'tJ Iw [hi!'. Sl,'l.urit\' In'tlUlm":lll.
HoncHr. thiloption Mlall not h~ cxcrci!'ocd by unllc:r if c:\errisl,' i'l pruhibitcd b~. ft:Je:rallaw a~ of the dale of thi!'! Scc"'urity ln~uu",cll('
If LenJer cxerci!lL"l this optino. l.em.lt.:r '\hall Ki\c nllrrll\\l.'r notil."<<: of al.cdt:,.uion. Th.... notic:l:' '1hall pf(J\'idc II pc:riud uf nut 1...."I~
than .10 dlYs from the dllte tht' ",)lice i!\ dr:li\l'lell ur lllailt:lI \\ ithill \\ hidl llorlll\\l.'r IllU'It pJY all ~um" sCI."mell h~. thi~ Sc~'uril~'
InsttU01cnt. If Rorro\\cr f...ih 10 PIlY thc.:sc SUIUS prillr to Ihl.' cxpira[iull IIf this period. Lemler may invoke allY rcnu.:dil,'\ permitted
by this Security I"mument \\ithouc further nOIk-c ur lIell13nJ 011 norrU\\l:r,
(s.,1)
,I",,,,,,,.r
DIANE M. LOP
n,",,,,,.r
(Sc31)
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ISigl/ Olig;lIdl 01/(,1
Pay Without RecoNursAeAtost~~~~h~
MELLON BANK. . . t
under an Indenture of Trust wi,h
the pennsylvania Housing
Finance Agency dated
6s of April y. 1982
~ llA ~/J.. ---- -
~oieSta\e6 eant<. NA
EILEEN"', SHEEHAN
VICE PRESIDENT
EXHIBIT
-
"
LEGA~ DESCRIPTION
ALL THAT CERTAIN lot or tract ot land situate in Hampden Township,
Cumberland County, Pennsylvania, more particularly bounded and described
as tollows, to wit:
BEGINNING at a point on the center line ot Legislative Route No. 21016
leading trom Wertsville to Route 11 being 880 teet in a southerly dire
tion by said center line trom the center line ot Legislative Route No.
21039; thence South 3 degrees, 36 minutes East by said center line
tor a distance ot 131.40 teet to a point; thence by same South 19
degrees, 30 minutes East tor a distance ot 78.25 teet to a point; thence
South 68 degrees, 32 minutes West by other lands now or tormerly ot
Arthur L. shatter, et ux. tor a distance of 153.47 teet to a point on
the center line ot a private roadi thence North 4 degrees, 39 minutes
East by the center line ot said private Road 133.10 teet to a point,
thence continuing by same North 50 degrees, 5 minutes, 30 seconds West
tor a distance ot 44 teet to a point at lands ot Lloyd EbYi thence
North 52 degrees, 35 minutes East ~'>'i lands ot Lloyd Eby tor a distance
ot 163.80 feet to the point and place ot BEGINNING.
THE ABOVE DESCRIBED PREMISES are conveyed subject to and together with
the right to use the said private road, being 40 feet in width, at
~ll times hereafter, tor purposes of ingress, egress and regress to
the above described premises in common with lands now or tormerly ot
Arthur L. Shatter, et ux., their heirs and assigns and all other persons
entitled to the like liberty and with all other persons whom they may
hereafter convey a like libertYi it is understood and agreed that the
Grantees, their heirs and assigns shall pay their pro rata share
according to toot trontage with other persons using the said road for
the reasonable maintenance of said road until such time as it shall
become maintained by a municipal authority.
BEING THE SAME premises conveyed to Charles E. Lopert and
Lopert, the Mortgagors herein, by Deed trom Alice R. Amos
M. Hartman, Grantors, dated !?d.Ax.... .-::to,N1/
be recorded in the Office ot the Recorder ot Deeds in and
County, Pennsylvania
Diane M.
and Carolyn
, to
tor Cumberland
I hereby ceriit; t-h~i'the
within II I true Ind correc:t
C1Qpy of the orlglnll dcx;ument,
Mellon
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G1Jr.t'.' 'j~ r:1.:r;1~;~:lend 'f Qeeds
~ .r<1<~~d in t!l.l Jiflce fer 1M recording 0
'; '~~r ~nd !>Jr,c,lJl)'t'lrldnoj~unlV1td. 7
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Carli~le, FA thi dJY 0
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bOO~ 1034 PACE 15:3
EXHIBIT !2.
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"nkAmer.c.
December 20, 1995
NOTICE OF DEFAULT AND NOTICE OF INTENTION TO FORECLOSE
Under Section 403 of Pennsylvania Act #6 of 1974
TO: Diane M. Lopen
907 Good 1I0pe Road
Mechanlcsburg, PA 17055
Loan No. 0001772052
Mongaged Premises:
907 Good Hope Road
Mechanicsburg, PA 17055
The MORTGAGE held by Pennsylvania Housing Finance Agency (hereafter we, us, or ours) on
your propeny noted above as "Mongaged Premises" IS IN SERIOUS DEFAULT (because you
have not made the monthly paymems of $481.S2 lor the months of October 1995 and $486.23
for the months of November & December 1995 ,
Late charges (and other charges) have also accrued to this date in the amount of $66,36. The
total amount now required to cure this default, or in other words, get caught up in your
paymenrs, as of the date of this letter, is $1,453,98 (payments) + $66,36 late charges (and other
charges) = $1,520.34
IF YOU CARRY ANY TYPE OF OPTIONAL INSURANCE (such as health and accident,
accidental death, or other life insurance), THE AMOUNT DUE ON THIS INSURANCE is not
included in the total delinquency stated above, If you have questions, about this optional
insurance, call our Optional Insurance Department at (804)289-3601.
You may cure this default within THIRTY (30) DAYS of the date of this letter by paying to us
the above amount of $1,520.34, plus any additional monthly payments and late charges which
may fall due during this period. Such payment must be made by cash, cashier's check, cenified
check, or money order payable to Bank of America, FSB, 2810 N, Parham Rd" Richmond,
Virginia 23294-4400,
If you do not cure the default within THffiTY (30) DAYS, WE INTEND TO EXERCISE OUR
RIGHT TO ACCELERATE THE MORTGAGE PAYMENTS, This means that whatever is
owing on the original amount borrowed will be considered due immediately and you may lose
the chance to payoff the original mongage in monthly installments. If full payment of the
BlnkAm.,ICI Mongllll, A Division 01 Blnk 01 Amlnel, FSB
P,O, eo. 2e384 Richmond, VA 232eO'8384
EXHIBIT ~
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amount of default is not made within THIRTY (30) DAYS, WE ALSO INTEND TO
INSTRUCT OUR A TfORNEYS TO START A LAWSUIT TO FORECLOSE YOUR
MORTGAGED PROPERTY. YOU SHALL HAVE THE RIGHT TO ASSERT IN THE
FORECLOSURE PROCEEDING THE NON-EXISTENCE OF A DEFAULT OR OTHER
DEFENSE THAT YOU MAY HAVE TO ACCELERATION OR FORECLOSURE. IF THE
MORTGAGE IS FORECLOSED, YOUR MORTGAGED PROPERTY WILL BE SOLD BY
THE SHERIFF TO PAY OFF THE MORTGAGE DEBT. If we refer your case to our
attorneys, but you cure the default before they begin legal proceedings against you, you will still
have to pay the reasonable attorney's fees, actually incurred, up to $50,00, However, if legal
proceedings are started against you, you will have to pay the reasonable attorney's fees even if
they are over $50,00. Any attorney's fees will be added to whatever you owe us, which may also
include our reasonable costs, IF YOU CURE THE DEFAULT WITHIN THE THIRTY-DAY
PERIOD, YOU WILL NOT BE REQUIRED TO PAY THE ATTORNEY'S FEES,
We may also sue you personally for the unpaid principal balance and all other sums due under
the mortgage.
If you have not cured the default within the thirty-day period and foreclosure proceedings have
begun, you still have the right to cure the default and PREVENT THE SALE AT ANY TIME
UP TO ONE HOUR BEFORE THE SHERIFF I S FORECLOSURE SALE. YOU MAY DO SO
BY PAYING THE TOTAL AMOUNT OF THE UNPAID MONTHLY PAYMENTS PLUS
ANY LATE OR OTHER CHARGES THEN DUE, AS WELL AS THE REASONABLE
ATfORNEY'S FEES AND COSTS CONNECTED WITH THE FORECLOSURE SALE
(AND PERFORM ANY OTHER REQUIREMENTS UNDER THE MORTGAGE). It is
estimated that the earliest date that a Sheriff's sale could be held would be approximately June
28, 1996, A notice of the date of the Sheriff's sale will be sent to you before the sale. Of course,
the amount needed to cure the default will increase the longer you wait. You may find out at any
time exactly what the required payment will be by calling us at 1.800-535-5170 (toll free), This
payment must be in cash, cashier's check, certified check, or money order and made payable to
us at the address stated above,
You should realize that a Sheriff's sale will end your ownership of the mortgaged property and
your right to remain in it. If you continue to live in the property after the Sheriff's sale, a lawsuit
could be started to evict you.
You have additional rights to help protect your interest in the property, YOU HAVE THE
RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE
DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY
OFF THIS DEBT, (YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE
PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO
BlnkAmorlca MortQlgl, A Dlvlllon ot Bank 01 Amlrlea, FSB
P,O. Bo. 26388 Rle~mond VA 232AO,A3AA .
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WILL ASSUME THE MORTGAGE DEBT PROVIDED THAT ALL THE OUTSTANDING
PAYMENTS, CHARGES AND A'ITORNEY'S FEES AND COSTS ARE PAID BEFORE OR
AT THE SALE; AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE
ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES
TIns RIGHT MIGHT EXIST), YOU HAVE THE RIGHT TO HAVE THIS DEFAULT
CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
IF YOU CURE THE DEFAULT, THE MORTGAGE WILL BE RESTORED TO THE SAME
POSmON AS IF NO DEFAULT HAD OCCURRED. However, you are not entitled to this
right to cure your default more than three times in any calendar year.
BANK OF AMERICA, FSB
Servicing Contractor for the
NOTEHOLDER
BY: Wilmer Curtis
Copy Regular Mail
Copy Certified Mail
COLLECTION DEPARTMENT TOLL-FREE NUMBER IS AS FOLLOWS:
1-800..535-5170
Regular Mail
Certified Mail
SlnMmllica Mortglge. II Olvlllon 01 Sink Of Amerlce, FSS
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81
"nkAmer.c.
December 20, 1995
NOTICE OF DEFAULT AND NOTICE Ol" INTENTION TO FORECLOSE
Under Section 403 of Pennsylvania Act #6 of 1974
TO: Charles E, Lopert
907 Good Hope Road
Mechanicsburg, Pa 17055
Loan No. 0001772052
Mortgaged Premises:
907 Good Hope Road
Mechanicsburg, PA'17055
The MORTGAGE held by Pennsylvania Housing Finance Agency (herenfter we, us, or ours) on
your property noted above as "Mortgaged Premises" IS IN SERIOUS DEFAULT (because you
have not made the monthly payments of $481.52 for me months of October 1995 and $486,23
for the month of November & December 1995 ,
Late charges (and other charges) have also accrued to Ihis date in the amount of $66,36, The
total amount now required to cure this default, or in other words, get caught up in your
payments, as of the date of this letter, is $1,453.98 (payments) + $66,36 late charges (and other
charges) = $1,520.34
IF YOU CARRY ANY TYPE OF OPTIONAL INSURANCE (such as health and accident,
accidental death, or other life insurance), THE AMOUNT DUE ON nus INSURANCE is not
included in the total delinquency stated above. If you have questions, about this optional
insurance, call our Optional Insurance Department at (804)289.3601.
You may cure this default within THIRTY (30) DAYS of the date of this letter by paying to us
the above amount of $1,520,34, plus any additional monthly payments and late charges which
may fall due during this period, Such payment must be made by cash, ca.,hier's check, certified
check, or money order payable to Bank of America, FSB, 2810 N. Parham Rd., Riclunond,
Virginia 23294-4400,
II' you do not cure the default within THIRTY (30) DAYS, WE INTEND TO EXERCISE OUR
RIGHT TO ACCELERATE THE MORTGAGE PAYMENTS, This means that whatever Is
owing on the original amount borrowed will be considered due immediately and you may lose
the chance to payoff the original mortgage in monthly installments, If full payment of the
81/lllAmlrica MoriVIllI, A Olvlllon 01 Bank 01 Amarlca, FSB
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amount of default is not made within THIRTY (30) DAYS, WE ALSO INTEND TO
INSTRUCT OUR ATfORNEYS TO START A LAWSUIT TO FORECLOSE YOUR
MOR.TGAGED PROPERTY. YOU SHALL HAVE THE RIGHT TO ASSERT IN THE
FORECLOSURE PROCEEDING THE NON.EXISTENCE OF A DEFAULT OR OTHER
DEFENSE THAT YOU MAY HAVE TO ACCELERATION OR FORECLOSURE. IF THE
MORTGAGE IS FORECLOSED, YOUR MORTGAGED PROPERTY' WILL BE SOLD BY
THE SHERIFF TO PAY OFF THE MORTGAGE DEBT, If we refer your case to our
Attorneys, but you cure the default befort they begin legal proceedings against you, you will still
have to pay the reasonable attorney's fees, actually incurred, up to $50.00, However, if legal
proceedings are started against you, you will have to pay the reasonable attorney's fees even if
they are over $50,00. Any attorney's fees will be added to whatever you owe us, which may also
include our reasonable costs. IF YOU CURE THE DEFAULT WITHIN THE THIRTY-DAY
PERIOD, YOU WILL NOT BE REQUIRED TO PAY THE ATIORNEY'S FEES.
.
We may alsu sue you personally for the unpaid principal balance and all other sums due under
the mortgage.
If you have not cured the default within the thirty-day period and foreclosure proceedings have
begun, you still have the right to cure the default and PREVENT THE SALE AT ANY TIME
UP TO ONE HOUR BEFORE THE SHERIFF'S FORECLOSURE SALE, YOU MAY DO SO
BY PAYING THE TOTAL AMOUNT OF THE UNPAID MONTHLY PAYMENTS PLUS
ANY LATE OR OTHER CHARGES THEN DUE, AS WELL AS THE REASONABLE
ATIORNEY'S FEES AND COSTS CONNECTED WITH THE FORECLOSURE SALE
(AND PERFORM ANY OTHER REQUIREMENTS UNDER THE MORTGAGE). It is
estimated that the earliest date that a Sheriff s sale could be held would be approximately June
28, 1996, A notice of the date of the Sheriffs sale will be sent to you before the sale. Of course,
the amount needed to cure the default will increase the longer you wait. You may fmd out at any
time exactly what the required payment will be by calling us at 1-800-535-5170 (toll free). This
payment must be in cash, cashier's check. c.:rtified check, or money order and made payable to
us at the address stated above,
You should realize that a Sheriff s sale will end your ownership of the mort~aged property and
your right to remain in it. If you continue to live in the property after the Sheriffs sale, a lawsuit
could be started to evict you,
You have additional rights to help protect your interest in the property. YOU HAVE THE
RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE
DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY
OFF THIS DEBT, (YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE
PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO
alnkAm.rlca Mortglgo, A Division 01 aank of Amerlce, FSa
PO, Box 26388 RichmOnd, VA 23260,8388 .
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KBLLON BANK, N.A., AS SUCCBSSOR
TRUSTBB, for PBNNSYLVANIA HOUSING
PINANCE AGBNCY,
PLAINTIPP
VS.
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IN THE COURT OP COMMON PLEAS
CUMBERLAND CO., PBNNSYLVANIA
, 7
NO. 1~' ,)J,,; / (t'( ILL L
CHAR,LES E. LOPERT and
DIANE M. LOPERT,
DBPENDANTS
CIVIL ACTION - LAW -
IN MORTGAGE FORECLOSURE
You have been sued in court. If you wish to defend against the
claims set forth in the following pages, you must take action within
twenty (20) days after this complaint and notice have been served,
To defend against the aforementioned claims, a written appearance
stating your defenses and objections must be entered and filed in
writing by you, the defendant, or by an attorney. You are warned
that if you fail to take action against these claims, the court may
proceed without you and a judgement for any money claimed in the
complaint or for any other claim required by the plaintiff may be
entered against you by the court without further notice, You may
lose money, property or other rights important to you,
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFPICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY
Co~rt Administrator, Cumberland County Courthouse
Carlisle, Pa. 17013 -- (717) 240-6200
NOTICIA
Le han demandado a usted en la corte, Si usted quiere defenderse
de estas damandas expuastas en las paginas siguientes, usted tiene
viente (20) diaD de plazo al partir de la fecha de la demanda y la
notificacion, Usted debe presentar una aparlencia escrita 0 en
persona 0 por abogado y archivar en la corte en forma escrita sus
defensas 0 su~ objeciones alas demandas en contra de su persona.
Sea avisado que si usted no se defiende, la corte tomara medidas y
puede entrar una orden contra usted sin previo aviso 0 notificacion y
por cualquier queja 0 alivio que es pedido en la peticion de demanda.
Usted puede perder dinero 0 sus propiedades 0 otros derechos
importantes para usted,
LLEVE ESTA DEMANDA A UN ABODAGO IMMEDIATAMENTE, SI NO TIENNE
ABOGAD 0 81 NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA
EN PERSONA 0 LLAME POR TELEFONE A LA OFICINA CUYA DIRECCION SE
ENCUENTRA ESCRIDA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR
ASSISTENCIA LEGAL:
CUMBERLAND COUNTY
Ccurt A~ministrator:.. Cumberland County Courthou1'RUE COpy FROM RECORD
CarlJ.sle, P.a, 1,013 -- (717) 240 - 62 00 "Testi~ony whereof, I here unlo set Jny
ind Ill" ,..];.'11)1 5;. 1 C011 at Carlisle. PI
This .~t1. J' ul III f
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MELLON BANK. N.A., AS SUCCESSOR
TRUSTEE, for PENNSYLVANIA HOUSING
FINANCE AGENCY,
PLAINTIFF
IN THE COURT OF COMMON PLEAS
CUMBERLAND CO., PENNSYINANIA
VS.
NO.
'I
CHARLES E. LOPERT and
DIANE M. LOPERT,
DEFENDANTS
CIVIL ACTION - LAW -
IN MORTGAGE FORECLOSURE
COMPLAINT
1. Plaintiff is MELLON BANK, N,A., as Successor Trustee, for
pennsyl van1.a'-Housing Finance Agency, pursuant to a Trust Indenture
dated as of April 1,1982 ("Trust"), by its servicing agent Bank
America having an off ice at P. 0, Box 26388. Richmond, Virginia
23260-6388.
2. Defendants, CHARLES E. LOPERT and DIANE M, LOPERT are both
adult individuals whose last known address is 907 Good Hope Road,
Mechanicsburg, Pennsylvania 17055,
3, On or about October 30, 1991, Defendants executed a
Promissory Note ("Note") in favor of Sovran Mortgage Corporation-
("Original Mortgagee") in the principal amount of $49,500,00, the
proceeds of which were used to purchase a residential property
located at 907 Good Hope Road, Mechanicsburg, Pennsylvania 17055,
which Note is attached hereto and marked Exhibit "A",
4. Contemporaneously with the execution of the aforesaid
Note, in order to secure payment of the same, Defendants made,
executed and delivered to Original Mortgagee, a certain real estate
Mortgage which is recorded in the Recorder of Deeds Office of
Cumberland County, in Mortgage Book 1034, Page 147" The mortgage
was assigned to Corestates Bank, N,A., as Trustee, for Pennsylvania
Housing Finance Agency, pursuant to the terms of said Trust, and
recorded as aforesaid in Book 406, page 1018 on November 4, 1991.
Said mortgage evidences the terms of said Note. the balance of
which is set forth in paragraph four of this Complaint. The
Mortgage and Assignments are incorporated herein by reference.
5. Mellon Bank, N.A., is the Successor Trustee to Corestates
Bank, N.A., under said Trust and has the power and authority to
bring this action in mortgage foreclosure.
6. The land subject to the Mortgage is: 907 Good Hope Road,
Hampden 'l'ownship, Mechanicsburg, Pennsylvania 17055, and is more
particularly described in Exhibit "8" attached hereto, The
Defendants are the sole owners of the said land.
7. The Mortgage debt is in default due to the fact that
Defendants have failed to pay the installment due on October 1,
1995, and all subsequent installments thereon, and the following
amounts are due on the Mortgage:
(a) Unpaid principal balance
(b) Interest at $10.89 p~r day
from 9/1/95 to 6/1/96
(based on a contract rate of 8,350%)
(c) Accrued/Accumulated Late Charges
and Late Charges at $18.72 per month
(d) Escrow deficit
$47,608.91
2, 972 , 97
149.76
91. 51
(e) 5\ Attorney's Commission
TOTAL
2.380,~4
$53,203.59*
*Together with interest at the per diem rate noted in (b) above
after June 1, 1996, and other charges and costs to date of
Sheriff's Sale. The attorney's fees set forth above are in
conformity with the Mortgage documents and Pennsylvania law, and
will be collected in the event of a third party purchaser at
Sheriff's Sale. If the Mortgage is reinstated prior to the sale,
reasonable attorney's fees will be charges that are actually
incurred by Plaintiff.
8. No judgment has been entered upon said Mortgage in any
jurisdiction.
9. Notice of intention to foreclose and to accelerate the loan
balance has been given to the Mortgagors, in accordance with
Section 403 of Pennsylvania Act No, 6 of 1974, but the Mortgagors
have failed to reinstate the Mortgage in accordance with the
provisions thereof. A copy of the Notice is attached hereto and
made a part hereof as Exhibit "CU.
10. Defendants are not members of the Ar.med Forces of the
United States of America, nor engaged in any way which would bring
them within the Soldiers and Sailors Relief Act of 11940, as
amended.
11. Plaintiff has complied with the procedures required by
Pennsylv:mia Act 91 of J.983 (Homeowners' Emergency Mortgage
Assistance Payments Program) and Defendants have either failed to
meet the time limitations as set forth therein or has been
determined by the Housing Finance Agency not to qualify for
assistance,.
12. WHEREFORE, Plaintiff demands judgment in mortgage
foreclosure ~ REM" for the aforementioned total amount due
together with interest at the rate of 8.350\ ($10.89 per diem),
together with other charges and costs including escrow advances
incidental thereto to the date of Sheriff's Sale and for
BY:
ithin described.
foreclosure and sale of
HALLER
ller
ey for Plaintiff
#15700
1719 North Front Street
Harrisburg, PA 17102
(717) 234-4178
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7. GIVING OF NOTICES
l.'nl~~" aplllk~hl~ I"" re1luire, II ..tifr.:relU 1lll.'lhml. IUI~ l1ulin: Ih;ll mUM hI.' VJ\CIlIU IIII.' III1J~r lhl, NlIIc \I ill h~ !thclI by a.ldi\'~rh,,,, il
nr h~ ntllilinj( II b~' finl dli!t\ IIIliilll. IIII,,' >lllhe P'IJI'I.'II\ ^,hlr(,'\\ ~hun: lIr ~Il J Ltllll,.'ll,,'lIllhhlfl.:~~ i' I j(i\l: 1111: NUll.' 11t.1,!l.', II I1Ulkl.' II' my
..Jif(l:renlll..tdre,",.
^n~' noli(,'l: Ih.1 nllm hl.' ,(i\'e" In Ihl.' NIIII.' 1I"IJI:r umkr Ihi" NUll.: \\i11lu: )(.i\"l.'II hy IIIl1iliflj( ~l hy 'ir~l dl1\s lIIilll to tl1l.' NIII... Itlllde,
III the .Jdu:s!\ ~llItc:J in SI.'l.',hlf1 .l(A) ulw\l: Ilr oIt 11Ilffl.',..:1I1 Ihli.lrcs" i( I .alii ~i\I.'I\ a tlHlin: IIf IIIJl dirkrent add":!!,,,
8. OIlL.lGATIONS OF PERSONS lJNIJEIl TillS NOTE
If mu,e thlll\ one pCr5un 1I1~n" this NUllo'. l!ad1 Ill.'r\Un I, fully 1I1I1I pl!r"lIllllty IIhliK~IIC\III' kl.'cl' ull IIf tin: 11Itlllli!!l.'\ 1II:IJe ill this NIIIC:.
Inclu..tinK Ihe proml,e IU p'~' Ihe fulllln111UlIl U\\C\1. ^IIY I'CI\11f1 nhu b II KUluLllllur. SU'a.:I~' or cnllu'M:r u' ahill Nltle h III~llllhlifllh:J IU..tO
Ihc!\l: IhlnK" .,"~. renon \\hn 'Ikes O\'er lhc~e nbli"'~lilln!\. illduJil1K the Ilblil(;l.liullS 0' LI j(uaranIUl. :lurel\' ur ":IHJone:r Ilf Ihi~ Nllu:. 15 .Iso
obllR'lu:J to keep all nfthe prunli!\e" made in thi~ NOlc, The NIIIl: Iluh.lcr muy clIfuH''': ils rill.hl!\ \lmJer Itll5 NOI": "J(~lml cl&l'h ller~ul1lmll\'IJul&l-
Iy or IltIlnst lUll' us to~cther, '11115 n1cam Ihlll any Hne uf 11\ 11101)' 1.)1: rCIllIlrt.:J tu l'llY all ~lf Ihe L1mOUIlU 1I\\'I..'1I umll.:, this NUll!.
9, WAIVEIIS
IlInd Iny ()thc:r person ~\'hu hilS obllfitlJllun~ unJcr tilt! !'\lltll \\lli\'c the: rl)tllt" II' pr(,'5CmI1ICIII oint.! 110cll,'a.: I" di'lIIllf1IU. "I 'ra.:..a.:ntlllClll- IIlcall!!
chc riKhlto require che NOle Uolt.!er tn dCn\anJ Pol)'n\CIII tI' anHJunU duc. .Nulic~ IIf di~hllIlUr" 1l\e:~1I1' Ihl.' rl~hl to rCllulrc II\!: NUlc HolJc:r
to Ith'e nOlite It) OIher p.:non'J that lIn10unn JUI: h;l\C not hCl.'n ,'LIll!,
10, UNIFORM SEClJRED NOTE
Thi'l N'JlI.' is I unlfurm il1!HrUnll:nl "lth limileJ \o';lri.1I11II'" ill SOllie: jllri..dil.'tillll\, III aJ,lltllllllU the prulc("tiull jl.i\l.:1l to the Nuu.' HIllJc:r
IIllder thi" NOlc. II Mortgllfitc. Decl! o( Tru5I ur ~c:curlty l>a.:cJ III,,: .Sl~l'urity Imrru/1lcnt-l. JIIleJ the Ulll~ Jatc AS Ihl!'. Nllta.:. prf)tC\:l!'. Ihe
f"UIC Hol..Jer from possible 10$!Ies which miKhl rC:5111t if I Jo IWI keel' till: rrol\li~l." "hid\ IIIHlkc in ,lih NOh:, That SCI,;urity Instrulllcnt
t.h:5I.'rihes how .nd unl!cr ",hltl.'oncJithJl1~ I mLiY be requircd IU IllJke if1I1IlI.'Ji~11.' p"~'lI1ellt in (ullof ,IIIUlll)U/ll!l I 0\\1: untlL'r Ihi\ Note, Sume
IJf Ihe: contJitiuns are JC5('ribcd IS follow5:
Trdn"rer or the Prop~rty or 11 nl:ncOcinllntercsl in nf)rruwt.'r. If 1111 many IlJtllIr the Prnpctly ur ;IllY il1lcrc\t ill it h
s,ulaJ or tu.nsferrcaJ (or if. bltncflci~llntt:reu inllIJIII/\\Cr is l'iulJ ur Itllndcrll.'lI allLJ UnHU\\Cr i" lun "";llmal pa.:r!!ltn) \\ illlllllll..a.:nlla.:r\
prior "rluel'l eonsenl. L..end(r n1ay. Ilt iUflption. require il1ll1lclliatc pllyml.:lll in (ult of 1111 \llIlU SC(,'Uh:J by this SC~\Jlit\, ImtrlIl11a.:llt.
Ho\\'c\'cr. this oPlion l\halll1nl h( e:\ercise:J by Lcnlll.'r if c~l.'rrir;c i\ prohibited by fr:lIr:rllllllw as of the date of thIS Security In!itrUOlenl.
If Lender exerclsn Ihis urtll,". l.A:naJcr !Ihl&ll j(i\'c nUClo\\a.:r notica.: IIf JtCcllmniol\. The: nOlkc ,hili prmljt.!c II pc:riutJ IIf not Ic~s
Ihlln 3H days from the dllte the nOlicc 'S ~h:li\'crc:d ur n\;Ii1r:J \\ hhin "lIkh Uuunn a.:, nlU'l1 poly 1&11 ~um!l !it.'cllrcJ hy thl~ SCl'lIril)'
Instrun\ent. If Borrowe, fillll~ tu pay these sums prim 10 the l.':(plnuion ..( thi~ pc:rillll. l..t:llJc:r nlllY invoke lU\Y rCI1lr:lIil.''' permittca.l
by Ihill SeeurilY In!llrument wlthoul further notil.'c or dcnllUlJ UII nnUU\\ c:r.
WITr..;ES5 Tim HANDIS) AND SEAl.iSI OF TIll-: UI'lJERSIGNEIl, ~'
CHARLES E. LOPf1\
DIANE M. LOI!~
15<,11
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R rse to the order of
Pay Without ecou A AS TRUStEE
MELLON BANK. N. . t
under an Indenture of Trust wl.h
the pennsylvania Housing ,
Finance Agency dated
t:j.s of April y 1982
~ llA ;?2~ -
~QC'~te6 Sant<. NA
EILEEN M, SHEEHAN
EXHIBIT _
"
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LEGA~ DESCRIPTION
ALL THAT CERTAIN lot or tract of land situate in Hampden Township,
Cumberland County, Pennsylvania, more particularly bounded and described
as follows, to wit:
BEGINNING at a point on the center line of Legislative Route No. 21016
leading from Wertsville to Route 11 being 880 feet in a southerly dire
tion by said center line from the center line of Legislative Route No.
21039; thence South 3 degrees, 36 minutes East by said center line
for a distance of 131.40 feet to a point; thence by same South 19
degrees, 30 minutes East for a distance of 78.25 feet to a point; thence
South 68 degrees, 32 minutes West by other lands now or formerly of
Arthur L. Shaffer, et ux. for a distance of 153.47 feet to a point on
the center line of a private road; thence North 4 degrees, 39 minutes
East by the center line of said private Road 133,10 feet to a point;
thence continuing by same North 50 degrees, 5 minutes, 30 seconds West
for a distance of 44 feet to a point at lands of Lloyd Eby; thence
North 52 degrees, 35 minutes East by lands of Lloyd Eby for a distance
of 163.80 feet to the point and place of BEGINNING.
THE ABOVE DESCRIBED PREMISES are conveyed subject to and together with
the right to use the said p~ivate road, being 40 feet in width, at
all times hereafter, for purposes of ingress, egress and regress to
the above described premises in common with lands now or formerly of
Arthur L, Shaffer, et ux., their heirs and assigns and all other persons
entitled to the like liberty and with all other persons whom they may
hereafter convey a like liberty; it is understood and agreed that the
Grantees, their heirs and assigns shall pay their pro rata share
according to foot frontage with other persons using the said road for
the reasonable maintenance of said road until such time as it shall
become maintained by a municipal authority.
BEING THE SAME premises conveyed to Charles E. Lopert and
Lopert, the Mortgagors herein, by Deed from Alice R. Amos
M. Hartman, Grantors, dated f?d',.,.{;-(__ '- '?O,NrJ/
be recorded in the Office of the Recorder of Deeds in and
County, Pennsylvania
Diane M.
and Carolyn
, to
for Cumberland
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l~"'j"tv ,)1 Cum~~~ler.d d' f Dlleds
~.~Cli(~~d in t!,l.~ .)fhee fer th~ recor '"90
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~itn"...ll my h,md a d .,al 01 oltie 0 , 19s.t-
Car\i~le. FA thi' dJY 0
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I hereby corti;'; ih~i'the
within II a true and correct
Clopy of the original document.
MeIlO~A,
By ~.
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bOO; 10.34 PACt J 5:3
EXHIBIT ~
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December 20, 1995
.
NOTICE OF DEFAULT AND NOTICE OF INTENTION TO FORECLOSE
Under Section 403 of Pennsylvanla Act #6 of 1974
TO: Diane M. Lopert
907 Good Hope Road
Mechanicsburg, PA 1705'S
Loan No. 0001772052
Mortgaged Premises:
907 Good Hope Road
Mechanicsburg, PA 17055
The MORTGAGE held by PelUlSylvania Housing Finance Agency (hereafter we. us, or ours) on
your property noted above as "Mortgaged Premises" IS IN SERIOUS DEFAULT (because you
have not made the monthly payments of $481.52 for the months of October 1995 and $486.23
for the months of November & December 1995 .
Late charges (and other charges) have also accrued to this date in the amount of $66.36. The
total amount now required to cure this default, or in other words, get caught up in your
payments, as of the date of this letter, is $1,453,98 (payments) + $66.36 late charges (and other
charges) = $1,520.34
IF YOU CARRY ANY TYPE OF OPTIONAL INSURANCE (such as health and accident,
accidental death, or other life insurance), THE AMOUNT DUE ON nns INSURANCE is not
included in the total delinquency staled above. If you have questions, about this optional
insurance, call our Optional Insurance Department at (804)289-3601,
You may cure this default within THIRTY (30) DAYS of the date of this letter by paying to us
the above amount of $1,520.34, plus any additional monthly payments and late charges which
may fall due during this period. Such payment must be made by cash, cashier's check, certified
check, or money order payable to Bank of America, FSB, 2810 N, Parham Rd., Richmond,
Virginia 23294-4400,
If you do not cure the default within THIRTY (30) DAYS, WE INTEND TO EXERCISE OUR
RIGHT TO ACCELERATE TlIE MORTGAGE PAYMENTS, This means that whatever is
owing on the original amount borrowed will be considered due immediately and you may lost.
the chance to payoff the original mortgage in monthly installments, If full payment of the
B.nkAm.rlca Mortgage, A Oivl.'on 01 Sank 01 Amerlc., FSB
P.O, Box 28388 Richmond, VA 23280,8388
EXHIBIT ~
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amount of default is not made within THIRTY (30) DAYS, WE ALSO INTEND TO
INSTRUCT OUR ATTORNEYS TO START A LAWSUIT TO FORECLOSE YOUR
MORTGAGED PROPERTY, YOU SHALL HAVE THE RIGHT TO ASSERT IN THE
FORECLOSURE PROCEEDING THE NON-EXISTENCE OF A DEFAULT OR OTHER
DEFENSE THAT YOU MAY HAVE TO ACCELERATION OR FORECLOSURE. IF THE
MORTGAGE IS FORECLOSED, YOUR MORTGAGED PROPERTY WILL BE SOLD BY
THE SHERIFF TO PAYOFF THE MORTGAGE DEBT. If we refer your case to 001'"
attorneys, but you cure the default before they begin legal proceedings against you, you will still
have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal
proceedings are started against you, you will have to pay the reasonable attorney's fees even if
they are over $50,00. Any attorney's fees will be added to whatever you owe us, which may also
include our reasonable costs, IF YOU CURE THE DEFAULT WITHIN THE THIRTY-DAY
PERIOD, YOU WILL NOT BE REQUIRED TO PAY THE ATfORNEY'S FEES,
We may also sue you personally for the unpaid principal balance and all other sums due under
the mortgage,
If you have not cured the default within the thirty-day period and foreclosure proceedings have
begun, you still have the right to cure the default and PREVENT THE SALE AT ANY TIME
uP TO ONE HOUR BEFORE THE SHERIFF'S FORECLOSURE SALE, YOU MAY DO SO
BY PAYING THE TOTAL AMOUNT OF THE UNPAID MONTHLY PAYMENTS PLUS
ANY LATE OR OTHER CHARGES THEN DUE, AS WELL AS THE REASONABLE
ATTORNEY'S FEES AND COSTS CONNECTED WITH THE FORECLOSURE SALE
(AND PERFORM ANY OTHER REQUIREMENTS UNDER THE MORTGAGE), It is
estimated that the earliest date that a Sheriff's sale could be held would be approximately June
28, 1996, A notice of the date of the Sheriff's sale will be sent to you before the sale. Of course,
the amount needed to cure the default will increase the longer you wait. You may fmd out at any
time exactly what the required payment will be by calling us at 1-800-.535-5170 (toll free), This
payment must be in cash, cashier's check, certified check, or money order and made payable to
us at the address stated above.
You should realize that a Sheriff's sale will end your ownership of the mortgaged property and
your right to remain in it. If you continue to live in the property after the Sheriff's sale, a lawsuit
could be started to evict you,
You have additional rights to help protect your interest in the property, YOU HAVE THE
RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE
DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY
OFF THIS DEBT, (YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE
PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO
aankAmerlca Mortgaoe, A Division of aank of America, FSa
PO 80. 'A.1AR Rlrhmnnrl \lA ''':I.,,:;n.,:l1AA ...
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December 20, 1995
.
NOTICE OF DEFAULT AND NOTICE OF INTENTION TO FORECLOSE
Under Section 403 or Pe,lUISylvanla Act #6 or 1974
TO: Charles E, l..opert
907 Good Hope Road
Mechanicsburg, Pa 17055
Loan No, 0001772052
Mortgaged Premises:
907 Good Hope Road
Mechanicsburg, PA'17055
The MORTGAGE held by PelU1Sylvania Housing Finance Agency (hereafter we, us, or ours) on
your property noted above as "Mortgaged Premises" IS IN SERIOUS DEFAULT (because you
have not made the monthly payments of $481.52 for the months of October 1995 and $486.23
for the month of November & December 1995 .
Late charges (and other charges) have also accrued to this date in the amount of $66.36. The
,total amount now required to cure this default, or in other words, get caught up in your
payments, as of the date of this letter, is $1,453.98 (paymenli;) + $66.36 late charges (and other
charges) = $1,520.34
IF YOU CARRY ANY TYPE OF OPTIONAL INSURANCE (such as health and accident,
accidental death, or other life insurance), THE AMOUNT DUE ON THIS INSURANCE is not
included in the total delinquency stated above, If you have questions, about this optional
insurance, call our Optional Insurance Department at (804)289-3601.
I
You may cure this default within THIRTY (30) DAYS of the date of this letter by paying to us
the above amount of $1,520,34, plus any additional monthly payments and late charges which
may fall due during this period, Such payment must be made by ca.~h, cashier's check, certified
check, or money order payable to Bank of America, FSB, 2810 N, Parham Rd., Richmond,
Virginia 23294-4400,
If you do not cure the default within THIRTY (30) DAYS, WE INTEND TO EXERCISE OUR
RIGHT TO ACCELERATE THE MORTGAGE PAYMENTS. This means that whatever is
owing on the original amount borrowed will be considered due inunediately and you may lose
the chance to payoff the original mortgage in monthly installments, If full payment of tOO
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amount of default is not made within THIRTY (30) DAYS. WE ALSO INTEND TO
INSTRUCT OUR ATIORNEYS TO START A LAWSUIT TO FORECLOSE YOUR
MORTGAGED PROPERTY, YOU SHALL HAVE THE RIGHT TO ASSERT IN THE
FORECLOSURE PROCEEDING THE NON-EXISTENCE OF A DEFAULT OR OTHER
DEFENSE THAT YOU MAY HAVE TO ACCELERATION OR FORECLOSURE. IF THE
MORTGAGE IS FORECLOSED. YOUR MORTGAGED PROPERTY WILL BE SOLD BY
THE SHERIFF TO PAYOFF THE MORTGAGE DEBT. If we refer your case to our
attorneys, but you c'ue the default before they begin legal proceedings against you. you will still
have to pay the reasonable attorney's fees. actually incurred, u\' to $50,00, However, if legal
proceedings are started against you, you will have to pay the reasonable attorney's fees even if
they are over $50,00, Any attorney's fees will be added to whatever you owe us, which may also
include our reasonable costs, IF YOU CURE THE DEFAULT WITHIN THE THIRTY-DAY
PERIOD. YOU WILL NOT BE REQUIRED TO PAY THE ATIORNEY'S FEES,
We may also sue you personally for the unpaid principal balance and all other sums due under
the mortgage.
If you have not cured the default within the thirty-day period and foreclosure proceedings have
begun, you still have the right to cure the default and PREVENT THE SALE AT ANY TIME
UP TO ONE HOUR BEFORE THE SHERIFF'S FORECLOSURE SALE, YOU MAY DO SO
BY PAYING THE TOTAL AMOUNT OF THE UNPAID MONTHLY PAYMENTS PLUS
ANY LATE OR OTHER CHARGES THEN DUE, AS WELL AS THE REASONABLE
ATI'ORNEY'S FEES AND COSTS CONNECTED WITH THE FORECLOSURE SALE
(AND PERFORM ANY OTHER REQUIREMENTS UNDER THE MORTGAGE). It is
estimated :hat the earliest date that a Sheriff's sale could be held would be approximately June
28. 1996. A notice of the date of the Sheriff's sale will be sent to you before the sale. Of course,
the amount needed to cure the default will increase the longer you wait. You may' fmd out at any
time exactly what the required payment will be by calling us at 1-800.535-5170 (toll free). This
payment must be in cash, cashier's cheek. certified check. or money order and made payable to
us at the address stated above,
You shou1,d realize that a Sheriffs sale will end your ownership of the mortgaged property and
your right to remain in it. If you continlle to live in the property after the Sheriff's sale, a lawsuit
could be started to evict you,
You have additional rights to help protect your interest in the property, YOU HAVE THE
RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MOkTGAGE
DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY
OFF nns DEBT. (YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE
PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO
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WILL ASSUME THE MORTGAGE DEBT PROVIDED THAT ALL THE OUTSTANDING
PAYMENTS, CHARGES AND ATIORNEY'S FEES AND COSTS ARE PAID BEFORE OR
AT THE SALE,AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE
ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES
TIDS RIGHT MIGHT EXIST). YOU HAVE THE RIGHT TO HAVE TIDS DEFAULT
CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
IF YOU CURE THE DEFAULT, THE MORTGAGE WILL BE RESTORED TO THE SAME
POSITION AS IF NO DEFAULT HAD OCCURRED. However, you are not entitled to this
right to cure your default more than three times in any calendar year.
BANK OF AMERICA, FSB
Servicing Contractor for the
NOTEHOLDER
BY: Wilmer Curtis
Copy Regular Mail
Copy Certified Mail
COLLECTION DEPARTMENT TOLL-FREE NUMBER IS AS FOLLOWS:
1-800-535-5170
Regular Mail
Cenified
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Mail
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MELLON BANK, N.A., AS SUCCESSOR
TRUSTEE, FOR PENNSYLVANIA
HOUSING FINANCE AGENCY,
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
VS.
CHARLES E. LOPERT AND
DIANE M, LOPERT,
Defendants
CIVIL ACTION - LAW
NO. 1996 02851
IN MORTGAGE FORECLOSURE
IMPORTANT NOTICE
TOI DIANE M. LOPERT
907 GOOD HOPE ROAD
MECHANICSUBRG, PA 17055
DATE OF NOTICE: JUNE 28, 1996
THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT.
'rHIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS
REFERRED TO HEREIN, AN ANY INFORMATION OBTAINED FROM YOU WILL BE USED
FOR THAT PURPOSE.
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST
YOU, lmLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS
NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING, AND
YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS, YOU SHOULD
TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT HAVE A LAWYER
OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW
TO FIND OUT WHERE YOU CAN GET LEGAL HELP,
COURT ADMINISTRATOR
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013
(717) 240-6200
PURCELL, KRUG & HALLER
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BY
Leon P. Haller
1719 North Front Street
Harrisbu.rg, PA 1.7102
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HELLON BANK, N.A., AS SUCCESSOR
TRUSTEE FOR PENNSYLVANIA
HOUSING FINANCE AGENCY,
PLAINTIFF
VS.
CHARLES E. LOPERT AND
DIANE H. LOPERT,
DEFENDANTS
IN THE COURT OF COMMON PLEAS
CUMBERLAND CO., PENNSYLVANIA
CIVIL ACTION - lAW
NO. 1996 02851
IN MORTGAGE FORECLOSURE
PRAECIPE FOR WRIT OF EXECUTION
{MORTGAGE FORECLOSUREl
P.R.C.P, 3180-3183
TO THI PROTHONOTARY I
Issue writ of Execution in the above matter on the real estate
located at '07 Good Hope Road, Kechanica~urq, Cumberland county,
pennaylvania as follows:
Amount Due pursuant to
JUdgment filed 7)11/96
Interest
(at the per diem of
$10.69 from 6)1)96 to 12/4/96)
Late charges
(at $18,72 from 6)96 to 12/96)
Escrow deficit
TOTlL
**Together with any additional interests,
date of Sheriff's Sale.
By
$ 53,203.59
$ 2,025.54
$ 112.32
S 1. 500.00
$ U,8U.45**
to the
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LEON . HALLER 1.0. 15700
ATTORNEY FOR PLAINTIFF
1719 North Front Street
Harrisburg, PA 17102
(717) 234-4178
Dated: September 6, 1996
Attached is a description of the real estate.
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LEGAL DESCaIfT~QN
ALL THAT CERTAIN lot or tract of land situate in Hampden Township,
Cumberland County, Pennsylvania, mor.e particularly bounded and described
as follows, to wit:
BEGINNING at a point on the center line of Legislative Route No. 21016
leading from Wertsville to Route 11 being 880 feet in a southerly dire
tion by said center line from the center line of Legislative Route No.
21039; th~nce South 3 degrees, 36 minutes East by said center line
for a distance of 131.40 feet to a point; thence by same South 19
degrees, 30 minutes East for a distance of 78.25 feet to a point; thence
South 68 degrees, 32 minutes West by other lands now or formerly of
Arthur L. Shaffer, et ux, for a distance of 153.47 feet to a point on
the center line of a private road; thence North 4 degrees, 39 minutes
East by the center line of said private Road 133.10 feet to a point;
thence continuing by same North 50 degrees, 5 minutes, 30 seconds West
for a distance of 44 feet to a point at lands of Lloyd Eby; thence
North 52 degrees, 35 minutes East by lands of Lloyd Eby for a distance
of 163.80 feet to the point and place of BEGINNING.
THE ABOVE DESCRIBED PREMISES are conveyed subject to and together with
the right to use the said private road, being 40 feet in width, at \
all times hereafter, for purposes of ingress, egress and regress to
the above described premises in common with lands now or formerly of
Arthur L. Shaffer, et ux., their hei~s and assigns and all other persons
entitled to the like liberty and with all other persons whom they may
hereafter convey a like liberty; it is understood and agreed that the
Grantees, their heirs and as~igns shall pay their pro rata share
according to foot frontage with other persons using the said road for
the reasonable maintenance of said road until such time as it shall
become mai,ntained by a municipal authority.
SUBJECT TO Deed of Easement dated April 5, 1995 and recorded in
Misc. Book 494, Page 751; ALSO SUBJECT TO Declaration of Taking
dated March 16, 1995 and recorded in Deed Book 119, Page 711,
HAVING THEREON ERECTED a dwelling known as 907 Good Hope Road.
BEING THE SAME PREMISES WHICH Alice R. Amos and Carolyn M. Hartman
by deed dated October 30, 1991 and recorded in Cumberland County
Deed Book J-35, Page 524 granted and conveyed unto Charles E,
Lopert and Diane M. Lopert.
TO BE SOLD AS THE PROPERTY OF CHARLES E. LOPERT AND DIANE M. LOPERT
UNDER CUMBERLAND COUNTY JUDGMENT NO, 1996 - 02851,
Parcel: 10-17-1033-034
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CHARLES E. LOPERT AND DIANE M. LOPERT - REAL OWNERS
A SCHEDULE or DISTRIBUTION, being a list of the persons and/or
governmental or corporate entities or agencies being entitled to
receive part of the proceeds of the sale received and to be
dJsbursed by the Sheriff (for ....pl., to bank. that hold mortiai..
and a\lnioipaUU.. that ar. ow.d ta...) will be filad by the
Sheriff of this County thirty (30) days after the sale and
distribution of the proceeds of sale in accordance with this
schedule will, in fact, be made unless someone objects by filing
exceptions to it within ten (10) days of the date it is filed.
Information about the Schedule of Distribution may be obtained
from the Sheriff of the Court of Common Pleas of the within County
at the Courthouse address specified herein.
THIS P~~ER IS A NOTICE or THE TIME AND PLACE OF THE SALE or
YOUR PROPERTY.
IT HAS BIIN ISSUED BECAUSE THERE IS A JUDGMENT AGAINST YOU "
IT MAY CAUSE YOUR ~OPERTY TO BE HELD. TO BE BOLD OR TAKEN TO
PAY THE JUDGMENT.
You may have legal rights to prevent your property from being
taken away. A lawyer can advise you more specifically of these
rights. If you wish to exercise your rights, YOU MUST ACT
PROMPTLY.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR
TELEPHONE THE OrrICE SET rORTH BELOW TO rIND OUT WHERE YOU CAN GET
rREI LIGAL ADVICI:
Court Administrator
Court Administrator's Office
Cumberland County Courthouse
Carlisle, pennsylvania 17013
Phone (717) 249-1133
THI LEGAL RLGHTS YOU MAY HAVI aREI
1. You may file a petition with the Court of Common Pleas of
the within County to open the jUdgment if you have a meritorious
defense against the person or company that has entered judgment
against you. You may also file an petition with the same Court if
you are aware of a legal defect in the obligation or the procedure
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LEGAl, DESCRIPTION
ALL THAT CERTAIN lot or tract at land situate in Hampden TownShip,
Cumberland County, Pennsylvania, marc partioularly bounded and descri~ed
as follows, to wit:
BEGINNING at a point on the center line of Legislative Route No. 21016
leading from Wertsville to Route 11 being 880 feet in a southerly dire
tion by said center line from the cent~r line of Legislative Route No.
21039; thence south 3 degrees, 36 minutes East by said center line
for a distance of 131.40 feet to a point; thence by same South 19
degrees, 30 minutes East for a distance of 78.25 feet to a point; thence
South 68 degrees, 32 minutes West by other lands now or formerly of
Arthur L. Shaffer, et ux. for a distance of 153.47 feet to a point on
the center line of a private road; thence North 4 degrees, 39 minutes
East by the center line of said private Road 133.10 feet to a point;
thence continuing by same North 50 degrees, 5 minutes, 30 seconds West
for a distance of 44 feet to a point at lands of Lloyd Eby; thence
North 52 degrees, 35 minutes East by lands ~f Lloyd Eby for a distance
of 163.80 feet to the point and place of BEGINNING.
THE ABOVE DESCRIBED PREMISES are conveyed subject to and together with
the right to use the said p~ivate roa~, being 40 feet in width, at \
all times hereafter, for purposes of ingress, egress and regress to
the above described premises in common with lands now or formerly of
Arthur L. Shaffer, et ux., their heirs and assigns and all other persons
entitled to the like liberty and with all other persons whom they may
hereafter convey a like liberty; it is understood and agreed that the
Grantees, their heirs and assigns shall pay their pro rata share
according to foot frontage with other persons using the said road for
the reasonable maintenance of said road until such time as it shall
become maintained by a municipal authority.
SUBJIICT TO Deed of Easement dated April 5, 1995 and recorded in
Misc. Book 494, Page 751; ALSO SUBJECT TO Declaration of Taking
dated March 16, 1995 and recorded in Deed Book 119, Page 711.
HAVING TH~REON ERECTED a dwelling known as 907 Good Hope Road.
BEING THE SAME PREMISES WHICH Alice R. Amos and Carolyn M. Hartman
by deed dated October 30, 1991 and recorded in Cumberland County
Deed Book J-35, Page 524 granted and conveyed unto Charles E.
Lopert and Diane M. Lopert.
TO BE SOLD ^S THE PROPERTY OF CHARLES E. LOPERT AND DIANE M. LOPERT
UNDER CUMBERLAND COUNTY JUDGMENT NO. 1996 - 02851.
Parcel: 10-17-1033-034
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MELLON BANK, N.A., AS SUCCESSOR
TRUSTEE FOR PENNSYLVANIA
HOUSING FINANCE AGENCY,
PLAINTIFF
.
.
IN THE COURT OF COMMON PLEAS
CUMBERLAND CO., PENNSYLVANIA
CIVIL ACTION - LAW
NO. 1996 02851
IN MORTGAGE FORECLOSURE
VS.
CHARLES E. LOPERT AND
DIANE M. LOPERT,
DEFENDANTS
R!TURH OF S!RVIC!
I hereby certify that I have deposited in the U.S. Mails at
Harrisburg, Pennsylvania on ql')~ I It) '<"I'L, a true and correct
copy of the Notice of Sale of Real Estate pursuant to PA R.C.P.
3129.1 as follows:
To the Defendants herein and all lienholders of record by
regular first class mail (Certificate of Mailing form in compliance
with U.S. Postal Form 3817 is attached hereto as evidence), and
also to the Defendants by Certifi6J Mail, which mailing receipts
are attached. Service addresses are as follows:
Diane M. Lopert
907 Good Hope Road
Mechanicsburg, PA 17055
Charles E. Lopert
907 Good Hope Road
Mechanicsburg, PA 17055
DOMESTIC RELATION OFFICE
CUMBERLAND COUNTY COURTHOUSE
HIGH AND HANOVER STREETS
CARLISLE, PA 17013
COMMONWEALTH OF PENNSYLVANIA
DEPARTMENT OF PUBLIC WELFARE
POBOX 8016
HARRISBURG PA 17105
James C. Costopoulos
13 So. Hanover Street
Carlisle, PA 17013
DOMESTIC RELATIONS OFFICE
CUMBERLAND COUNTY COURTHOUSE
HIGH AND HANOVER STREETS
CARLISLE PA 17013
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PURCELL, KRUG & HALLER
Attorneys for Plaintiff
1719 North Front Street
HarriSburg, PA 17102
(717) 234-4178
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used aqainst you.
2. After the Sheriff'. Sale you may file a petition with the
Court of Common Pleas of the within County to set aside the sale
for a qrossly inadequate price or for other proper cause. This
petition MUIT .1 rILID .Iroal Tal .aIRIrr', DIID IS DILIVIRID.
3. A petition or petitions raising the legal issues or rights
mentioned in the preceding paragraphs must be presented to the
Court of Common Pleas of the within County. The petition must be
served on the attorney for the creditor or on the creditor before
presentation to the court and a proposed order or rule must be
attached to the petition.
It l\ specific return date is desired, such date must be
obtained from the Court Administrator's Office - civil Division, of
the within County Courthouse, before a presentation of the petition
to the Court.
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A copy of the Writ of Execution is attached hereto.
PURCELL, KRUG & HALLER
Attorneys for Pl~intiff
1719 North Front street
Harrisburg, PA 17102
(717) 234-4178
, '
..
,
" .
~AL DESCRIPTtQH
ALL THAT CERTAIN lot or tract of land situate in Hampden Township,
Cumberland County, Pennsylvania, more particularly bounded and described
as follows, to wit:
BEGINNING at a point on the canter line of Legislative Route No. 21016
leading from Wertsville to Route 11 being 880 feet in a southerly dire
tion by said center line from the center line of Legislative Route No.
21039; thence South 3 degrees, 36 minutes East by said center line
for a distance of 131.40 feet to a point; thence by same south 19
degrees, 30 minutes East for a distance of 78.25 feet to a point; thence
South 68 degrees, 32 minutes West by other lands now or formerly of
Arthur L. Shaffer, et ux. for a distance of 153.47 feet to a point on
the center line of a private road; thence North 4 degrees, 39 minutes
Eaat by the center line of said private Road 133.10 feet to a point;
thence continuing by same North 50 degrees, 5 minutes, 30 seconda West
for a distance of 44 feet to a point at lands of Lloyd Eby; thence
North 52 degrees, 35 minutes East by lands of Lloyd Eby for a distance
of 163.80 feet to the point and place of BEGINNING.
THE ABOVE DESCRIBED PREMISES are conveyed subject to and together with
the right to use the said p~ivate road, being 40 feet in width, at \
all times hereafter, for purposes of ingress, egress and regress to
the above described premises in common with lands now or formerly of
Arthur L. Shaffer, et ux., their heirs and assigns and all other persons
entitled to the like liberty and with all other persons whom they may
hereafter convey a like liberty; it is understood and agreed that the
Grantees, their heirs and assigns shall pay their pro rata share
according to foot frontage with other persons using the said road t'or
the reasonable maintenance of said road until such time as it shall
become maintained by a municipal authority.
SUBJ!CT TO Deed of Easement dated April 5, 1995 and recorded in
Misc. Book 494, Page 751; ALSO SUBJECT TO Declaration of Taking
dated March 16, 1995 and recorded in Deed Book 119, Page 711.
HAVING THEREON ERECTED a dwelling known as 907 Good Hope Road.
BEING THE SAME PREMISES WHICH Alice R. Amos and Carolyn M. Hartman
by deed dated October 30, 1991 and recorded in Cumberland County
Deed Book J-35, Page 524 granted and conveyed unto Charles E.
Lopert and Diane M. Lopert.
TO BE SOLD AS THE PROPERTY OF CHARLES E. LOPERT AND DIANE M. LOPERT
UNDER CUMBERLAND COUNTY JUDGMENT NO. 1996 - 02851.
Parcel: 10-17-1033-034
MELLON BANK, N.A. AS SUCCESSOR
TRUSTEE FOR PENNSYLVANIA
HOUSING FINANCE AGENCY,
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYINANIA
VS.
CHARLES E. LOPERT AND
DIANE M. LOPERT,
CIVIL ACTION - LAW
NO. 1996 02851
Defendants
IN MORTGAGE FORECLOSURS
MOTION FOR SERVICE OF NOTICE OF SALE
IN REAL PROPERTY ACTION
IN ACCORDANCE WITH RULES 3129(b) (2)
OF PENNSYLVANIA RULES OF CIVIL PROCEDURE
Plaintiff, Mellon Bank, N.A. As Successor Trustee for
Pennsylvania Housing Finance Agency, through its counsel, Leon P.
Haller, Esquire, hereby respectfully submits:
1. Plaintiff has brought a mortgage foreclosure action
whereupon it seeks to foreclose against certain property owned by
Defendants located at 907 Good Hope Road, Mechanicsburg, PA 17055.
2. Defendant Charles E. Lepert was personally served with the
Complaint June 5, 1996 at the property address and also served with
the Notice of Sale, October 28, 1996 at the Dauphin County Prison.
Def.endant Diane M. Lopert was personally served with Complaint, June
5, 1996 at the property address, however since that time has
apparently abandoned the property. The Sheriff of the within County
has not been able to locate the whereabouts of Defendant Diane M.
Lopert and the property in question is vacant. The Plaintiff
believes that the Defendant has no interest in the property and has
no desire to oppose the Sheriff's Sale.
3. Plaintiff has conducted an investigation in order to
determine the whereabouts of the Defendant, through its attorney, by
attempting to obtain a forwardIng address from the post office, the
Department of Transportation, Credit Bureau, and also by attempting
to obtain a phone number for the Defendant, but no information has
been received from any of the sources.
4. The Sheriff, heretofore posted the Defendant's property with
a Notice of Sale or Handbill. Notice of Sale was also sent notice of
the Sale by ordinary and Certified mail. Sufficient notice has,
therefore, been given to the Defendant.
5. Plaintiff believes that service by mail in accordance with
Rule 430 (as allowed by Rule 3129 (B) (2) (ii) (A) will be ineffective
and that a Special Order of Court is required.
6. The Notice of Sheriff's Sale scheduled for January 8, 1997
has been published in the legal journa~ and a newspaper of general
circulation for three weeks to sale which provides ample published
notice of sale.
7. Plaintiff requests an Order approving service by posting a
copy of the Notice of Sale or Handbill on the most public part of the
property under P.R.C. P. 3129.
WHEREFORE, Plaintiff requests that your Honorable Court approve
and direct service as above set forth.
'1
BY
Leon P. Haller
Attorney for Plaintiff
1719 North Front Street
Harrisburg, Pa. 17102
(717) 234-4178
,;,
MELLON BANK, N.A. AS SUCCESSOR
TRUSTEE FOR PENNSYLVANIA
HOUSING FINANCE AGENCY,
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
VS.
CIVIL ACTION - LAW
NO. 1996 02851
CHARLES E. LOPERT AND
DIANE 11. LOPERT,
Defendants
IN MORTGAGE FORECLOSURE
AFFIDAVIT OF REASONABLE INVESTIGATION
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF DAUPHIN
SS
Leon P. Haller, being duly sworn according to law, deposes and
says that he is the attorney for the Plaintiff in the above action in
mortgage foreclosure, that he has personal knowledge concerning the
facts set forth in the attached Motion for Service of Process of
Notice of Sale Pursuant to Rule 3129, ~hat he has authority from the
Plaintiff to make this affidavit, and that the facts set forth in the
affidavit are true and correct to the best of his knowledge,
information, and belief, to wit:
That he has attempted to confirm the whereabouts of the
Defendant in the above case, by conducting a reasonable search, which
search included one or more of the following as indicated by a
checkmark:
X That he has contacted the U.S. Postal Service to obtain the last
--known mailing address or any forwarding addresses.
X That he has attempted to locate persons of /ilimilar name to the
--Defendant, however he has not been able to locate any.
~__That he contacted Directory Assistance for any new listing for
Defendant.
~I[.-l""
.. ,
DocnTrans, Inc. * Investigation Services Division
2207 CbeStnul Suw. IsI Floor, Philadelphia, PA 19103
21.5-7.51.9630 · FAX: 21.5-7.51-9631
AFFIDAVIT OF GOOD FAITH INVESTIGATION
AFFIANT IS THE PRINCIPAL OF DocuTran5, 1m:., WmCH PERFORMS INVESTIGATIVE SERVICES. AND STATES THAT
HE HAS MADE A GOOD FAITH INVESTIGATION BY PERFORMING EACH OF THE FOLLOWING ACTS SET FORTH
BELOW:
< > DEFENDANT(Sl and/or SUBJECTlSl AND lAST KNOWN ADDRESS:
Charles E. Loppert and Diane M. Loppert
907 Good Hope Road, Mecbanincsburg, PA 170.5.5
< > INOUIRY OF U.S. POST OFFICE'S NATIONAL CHANGE OF ADDRESS FILE (NCOAl:
A:l of 11/13/96, Ibere is no malch found for eUher subjecl.
< > INOUIRY OF TRANS UNION CREDIT BUREAU SOCIAL SECURITY NUMBER ADDRESS SEARCH:
~. S. II: 209-46.1607. Charles E. Loppert. As of 9/92, subjecl's address is reponed as:
907 Good Hope Road, MecbanicsbUlg, PA 170.5.5. Monlb and year of birth: 3/.59.
< > SEARCH OF TRANS UNION SOCIAL SECURITY NUMBER LOCATOR:
Diane M. Loppert. Social SecurilY Number: 144-64.~042. As of 2/9.5, subject's address is reponed as:
907 Good Hope Road, Mecbanicsburg. PA 170.5.5. .
< > SEARCH OF LOCAL TELEPHONE DIRECTORIES and/or TELEPHONE DIRECTORY ASSISTA~~
As of 11/14/96, Ibere is no listing found for eUher subjecl.
< > INOUIRY OF CUMBERLANr.. COUNTY VOTER REGISTRATION:
As of 11119/96, Ibere is no record found for either subjecl.
< > SEARCH OF PENNSYlVANIA DEPARTMENT OF MOTOR VEHICLE OPERATORS INFORMATION:
As of 11/1.5/96, Ibe address for Charles E. Loppert is reponed as: 907 Good Hope Road, Mecbanicsbulg, PA 170.5.5.
Dale of birth: 3/6/.59, Operalors II: 1918.5136
The address for Diane M. Loppert is reponed as: 907 Good Hope Road. Mecbanicsburg. PA 170.5.5.
!Jale of birth: 1212.5/60, Operators II: 2119.5936
I VERIFY, UNDER PENALTY OF PERJURY, THAT THE FOREGOING IS TRUE AND CORRECT, TO THE BEST OF MY
KNOWLEDGE. I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES
RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES.
AFFIANT: ~.".L a;t~
Nalale COOle
NAME OF AFFIANT
Sworn & subscribed before Ole Ibis
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3. Plaint.iff has cond1,1cted all investigation in order to
determine the whereabouts of the Defendant, through its attorney, by
attempting to obtain a forwarding address from the post office, the
Department of Transportation, Credit Bureau, and also by attempting
to obtain a phone number for the Defendant, but no information has '
been received from any of the sources.
4. The Sheriff heretofore posted the Defendant's property with
a Notice of Sale or Handbill. Notice of Sale was also sent notice of
the Sale by ordinary and Certified mail. Sufficient notice has,
therefore, been given to the Defendant.
S. Plaintiff believes that service by mail in accordance with
Rule 430 (as allowed by Rule 3129(B) (2) (ii) (A) will be ineffective
and that a Special Order of Court is required.
6. The Notice of Sheriff's Sale scheduled for January 8, 1997
has been published in the legal journal and a newspaper of general
circulation for three weeks to sale which provides ample published
notice of sale.
7. Plaintiff requests an Order approving service by posting a
copy of the Notice of Sale or Handbill on the most public part of the
property under P.R.C. P. 3129.
WHEREFORE, Plaintiff requests that your Honorable Court approve
and direct service as above set forth.
BY
T"eon P. Haller
Attorney for Plaintiff
1719 North Front Street
Harrisburg, Pa. 17102
(717) 234-4178
n FIE.-,l~
DocnTnms, Inc. * Investigation Services Division
2207 Cbestnul SlIeel, IS1 Floor, Philadelphia, PA 19103
2IS-751-9630 · FAX: 2IS-7SI-9631
AFFIDAVIT OF GOOD FAITH INVESTIGATION
AFFIANT IS THE PRINCIPAL OF DocuTrans, Inc., WHICH PERFORMS INVESTIGATIVE SERVICES, AND STATES THAT
HE HAS MADE A GOOD FAITH INVESTIGATION BY PERFORMING EACH OF THE FOLLOWING ACTS SET FORTH
BELOW:
< > DEFENDANTCSI and/or SUBJECT(SI AND LAST KNOWN.AQ.QBll&
Charles E. Loppert and Diane M. Loppert
907 Good Hope Road, Mechanincsburg, PA 110SS
< > INOUIRY OF U.S....POST OFFICE'S NATIONAL CHANGE OF ADDRESS FILE (NCOA):
As of 1lI13/96, there is no match found for either subjecl.
< > INOUIRY OF TRANS UNION CREDIT BUREAU SOCIAL SECURITY NUMBER ADDRESS SEARCH:
~, S. #: 209-46-1607, Charles E. Loppert. As of 9/92, subjecl's address is reponed as:
907 Good Hope Road. Mecbanicsburg, PA 170SS. Month and year of binh: 3/S9.
< > SEARCH OF TRANS UNION SOCIAL SECURITY NUMBER LOCATOR:
Diane M. Loppert. Social Security Number: 144-64.8042. As of 2/9S, subject's address is reponed as:
907 Good Hope Road. Mechanicsburg, PA 170SS.
< > SEARCH OF LOCAL TELEPHONE DIRECTORIES and/or TELEPHONE DIRECTORY ASSISTANCE:
As of 1lI14/96, there is DO IiSlillg found for either subject.
0;; > lNOUlRY OF CUMBERLAND COUNTY VOTER REGISTRATION:
As of 11/19/96, there is DO record found for either subject.
< > SEARCH OF PENNSYLVANIA DEPARTMENT OF MOTOR VEHICLE OPERATQB.UtlFORMATION:
As of 1lI1S/96, the address for Charles E. Loppert is reponed as: 907 Good Hope Road, Mechanicsburg, PA 170S~.
Date of binh: 3/6/59. Operarors II: 19185136
The address for Diane M. Loppert is reponed as: 907 Good Hope Road, Mechanicsburg, PA 17055.
J.)ate of binh: 12/25/60. Qperalors #: 21195936
I VERIFY, UNDER PENALTY OF PERJURY, THAT THE FOREGOING IS TRUE AND CORRECT, TOTHE BEST OF MY
KNOWLEDGE. I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES
RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES.
AFFIANT: cJtE.I-i'..{L. {"?,/h-
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NAME OF AFFIANT
Sworn & subscribed before me this
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LEQAL-QESCRIPTION
ALL THAT CERTAIN lot or tract of land situate in Hampden 'l'ownship,
Cumberland County, Pennsylvania, more particularly bounded and described
as follows, to wit:
BEGINNING at a point on the centor line of Legislative Route No. 21016
leading from Wertsville to Route 11 being 880 feet in a southerly dire
tion by said center line from the center line of Legislative Route No.
21039; thence South 3 degrees, 36 minutes East by said center line
for a distance of 131.40 feet to a point; thence by same South 19
degrees, 30 minutes East for a distance of 78.25 feet to a point; thence
South 68 degrees, 32 minutes West by other lands now or formerly of
Arthur L. Shaffer, et ux. for a distance of 153.47 feet to a point on
the center line of a private road; thence North 4 degrees, 39 minutes
East by the center line of said private Road 133.10 feet to a point;
thence continuing by same North 50 degrees, 5 minutes, 30 seconds West
for a distance of 44 feet to a point at lands of Lloyd Eby; thence
North 52 degrees, 35 minutes East by lands of Lloyd Eby for a distance
of 163.80 feet to the point and place of BEGINNING.
THE ABOVE DESCRIBED PREMISES are conveyed subject to and together with
the ri~ht to use the said private road, being 40 feet in width, at
all times hereafter, for purposes of ingress, egress and regress to \
the above described premises in common with lands now or formerly of
Arthur L. Shaffer, et ux., their heirs and assigns and all other persons
entitled to the like liberty and with all other persons whom they may
hereafter convey a like liberty; it is understood and agreed that the
Grantees, their heirs and assigns shall pay their pro rata share
according to foot frontage with other persons using the said road for
the reasonable maintenance of said road until such time as it shall
become maintained by a municipal authority.
SUBJECT TO Deed of Easement dated April 5, 1995 and recorded in
Misc. Book 494, Page 751; ALSO SUBJECT TO Declaration of Taking
dated March 16, 1995 and recorded in Deed Book 119, Page 711.
HAVING THEREON ERECTED a dwelling known as 907 Good Hope Road.
BEING THE SAME PREMISES WHICH Alice R. Amos and carolyn M. Hartman
by deed dated october 30, 1991 and recorded in Cumberland County
Deed Book J-35, Page 524 granted and conveyed unto Charles E.
Lopert and Diane M. Lopert.
TO BE SOLD AS THE PROPERTY OF CHARLES E. LOPERT AND DIANE M. LOPERT
UNDER CUMBERLAND COUNTY JUDGMENT NO. 1996 - 02851.
Parcel: 1.0-17-1033-034
"
...
STATE OF PENNSYLVANIA,
COUNTY OF CUMBERLAND
} 55.
I, ___ __.. !l_o_~~~_t__~: _ .z_~ ~~..l_~~. ___. ________ _m____......_m ____ ____ __ _m_m_ ____ Record" 01
Deed. In and for .lld Coonly and Slale do hereby .ertily thlt Ihe Sheriff'. Deed in which ____n__________
_____ _______. ____. __~_'!.!!!"_n _. !l_a_,!~ _!llL ________ ____n_n____n________n___________ Is th. g"lnte.
the .Im. havinK b.... .old 10 .ald Kranl.e on th. _____n_______I!~!'_._____.n_n______________h__ day 01
____.n___.____!_'!lI':'!',rJ... "h_h__...__"_ A. D., 19_..9_~_"h' und.r and by virtu. 01 I writ___________.....
m_m_mo._____~~~_c:~~~."!~.._ m_'_ __ _._ _. ___.._I..oed 01\ th. _.__~~ ~~_~_ n m_____n.._m_________
clay 01 ___~.!'y.~!!!'_b_'!.~___n__ _ ___. A. n., 19.~~_ __, oot olth. Court 01 Comman PI... of ..Id COUMy a. 01
_____________________c_~~~..1__._ _.._ __ __ _ n n..____ __ _____ _. _ _.n ___.. _n__.._ __ n __ _ T.nn, 19_~~ n__
Number ...~~_5_~______ _,11th. .uit 01 _M.fl.l..1-'~.~_~_^_~~_ ~_~_~~.._'!.':!~:_".~~~_r__!:."_'!.~~.e.._~~:._~!~!'..'!.~~ y_~~~a
Housing Finance Agency . Charles E. Lopert " Diane M. Lopert
__________n____nnn______ __ __.. _ aKam.1.. _ 0__ nn____ __ __hU______n__ _h_n_nhn___ __ __.. Is
duly record.d in Sh.riff', Deed Book NO~~~h_mh__' Page __~~~_~____...
IN TESTIMONY WHEREOF, I hay. h.reunto
<.'~-
oct my hand and ..01 ol.aid olli.e Ihis n'________ dlY
of -R1I:~xr7frl)-1 f} 1~-~Z---
~ilLf!~~-;;n;.;,.
NOTARIAL SEAL
RECORDER Of DEEDS, NOTARY ~BlIC
CARLISLE CUMRERlANO CCUNTV COURT HOUSE
MY COM'~ISS")N EXPIRES JANUARY I, 1998
"
;,
.'
Mellon Bank N.A. As Successor
Trustee for Pennsylvania
Housing finance agency
vs
Charles E. Lopert and Diane M. Lopert
Stuve Whislnr, Deputy Sheriff, who being duly sworn according
to law, says on October 7, 1996 at 12.08 o'clock P.M., E.D.S.T.. he
posted the property of Charles E. Lopert and Diane M. Lopert at 90 I
Good Hope Road, Mer:hanicsburg, Cumberland County, Pennsylvania with a
copy of Real Estate Writ, Notice Poster and Description according to
law.
R. Thomas Kline, Sheriff, who being duly sworn according to law,
says he made diligent seach and inquiry for one of the within named
defendants, to wit. Charles E. Lopen but was unable to locate him in
his bailiwick. He therefore deputized the Sheriff of Dauphin County,
Pennsylvania to serve the within Real Estate Writ, Notice Poster and
Description according to law.
DAUPHIN COUNTY RETURN. And Now. October 28, 1996 served the within
Real Estate Writ, Notice Poster and Description upon Lopert Charles E.
by personally handing to Lopert Charles E. 1 true attested copies of
the original Real Estate Writ, Notice Poster and description and making
known to him the contents thereof at Dauphin County Prison 501 Mall
Road, Harrisburg, Pa. So answers, J. R. Lotwick, Sheriff of Dauphin
County, Penna. by David P. Miller Deputy Sheriff.
Dauphin County return hereto attached.
R. Thomas Kline, Sheriff, who being 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 I Diane M. Lopert a notice of the pendency of the
action by certified mail marked DELIVERY ONLY TO ADDRESSEE, to her last
known address at 907 Good Hope Road, Mechanicsburg, Pennsylvania 17055.
This let ter was mai led under the da te of October 22, 1906 and was
returned to Cumberland County Sheriff's Office on November 7, 1996 with
reason check UNCLAIMED. Letter is hereto attached unopened.
R. Thomas Kline, Sheriff, who being 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. Charles E. Lopert a notice of the pendency of the
action by regular mail to his last known address at 501 Mall Road,
Harrisburg, Pennsylvania. This letter was mailed under the date of
October 22, 1996 and was never returned to the Sheriff's Office.
R. Thomas Kline, Sheriff, who being 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 withir. named
defendants, to wit Diane M. Lopert a notice of the pendency of the
action by regular mail to her last known address at 907 Good Hope Road
Mechanicsburg, Pa. 170~)5. This letter was mailed under the date of
October 22, 1996 and was never returned to the Sheriff's Office.
SALE WAS POS'fPONE TILL' JANUARY 8, 1997 per instruction from
Attorney Haller.
ORDER or COURT SIGNED BV .JUDGE HESS TO HAVE SALE ON ,JANUARY
8, 1997.
R. Thomas Klino, Sheriff, who boinq duly sworn according to
law, says that atter due and legal notice had been given according
to law, expnsed the within described premises at public venue or outcry
at the Court Hous", Carlis le, Cumher land County, Pennsylvania on
January A, 199'1 at 10,(10 o'clock ^.M.. E.S.T., and snld the same for
In the Court of Common Pleas
Cumberland County, Pennsylvania
No. 96-2851 Civil Term
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CHARLIS II. LOPIRT AND DIANB M. LOPIRT - REAL OWNIR8
A SCHIDULE OF DISTRIBUTION, being a list of the persons and/or
governmental or corporate entities or agencies being entitled to
receive ~art of the proceeds of the sale received and to be
disbursed by the Sheriff (for .xample, to bank. that hold mortqaq..
and municipaUti.. that Ar. oVlId tax..) wi 11 be filed by the
Sheriff of this County thirty (30) days after the sale and
distr ibution of the proceeds of sale in accordance with this
schedule will, in fact, be made unless someone objects by filing
exceptions to it within ten (10) days of the date it is filed.
Information about the Schedule of Distribution may be obtained
from the Sheriff of the Court of Common Pleas of the within County
at the Courthouse address specified herein.
THIS PAPIR IS A NOTICI OF THE TIME AND PLACE OF THE SALE OF
I.Q.llR. .RROP ERl'.L.
IT HAS BEEN ISSUED BECAUSE THERE 18 A JUDGMENT AGAINST YOU.
IT MAY CAUSE YOUR PROPERTY TO BE HELD. TO BE SOLD OR TAKEN TO
fAY THE JUDGMENT.
You may have legal rights to prevent your property from being
taken away. A lawyer can advise you more specifically of these
rights. If you wish to exarcise your rights, YOU MUST ACT
PROMPTLY.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR
TBLEPHONE THE OFFICE SET FORTH BE~OW TO FIND OUT WHERE YOU CAN GET
FREE LEGAL ADVICEI
.
Court Administrator
Court Administrator's Office
Cumberland County Courthouse
Carlisle, Pennsylvania 17013
Phone (717) 249-1133
THE LEGAL RIGHTS YOU MAY HAVE ARE I
1. Ycu may file a petition with the Court of Common Pleas of
the within County to open the judgment if you have a meritorious
defense against the person or company that has entered judgment
against you. You may also file an petition with the same Court if
you are aware of a legal defect in the obligation or the procedure
I
~~RIPTION
A(.L THAT CERTAIN lot 01: tract of land situate in Hampden 'l'ownship,
Cumberland County, P,mnsylvaniil, more particularly"bounded and described
as follows, to wit:
BEGINNING at a point on tho center line of Legislative Route No. 21016
leading fl:om Wertsville to Route 11 being 880 feet in a southerly dire
tion by said center line from the center line of Legislative Route No.
21039; thence South 3 degrees, )6 minutes East by said conter line
for a distance of 131.40 feet to a point; thence by same south 19
degrees, 30 minutes East for iI d istilnce of 78.25 feet to a point; thence
South 68 degrees, 32 minutes West by other lands now or formerly of
Arthur L. Shaffer, et ux. for a distance of 153.47 feet to a point on
the center line of a private road; thence North 4 degrees, 39 minutes
East by the center line of. said private Road 133.10 feet to a point;
thence continuing by same North 50 degrees, 5 minutes, 30 seconds West
for a distance of 44 feet to a point at lands of Lloyd Eby; thenc~
North 52 degrees, 35 minutes East by lands of Lloyd Eby for ~ Qlstance
of 163.80 feet to the point and place of BEGINNING.
THE ABOVE DESCRIBED PREMISES al:e conveyed subject to and together with
the right to use the said p~ivate road, being 40 feet in width, at \
all times hereafter, for purposes of ingress, egress and regress to
the above described premises in common with lands now or formerly of
Arthur L. Shaffer, et ux., their heirs and assigns and all other parsons
entitled to the like liberty and with all other persons whom they may
hereafter convey a like liberty; it is understood and agreed that the
Grantees, their heirs and assigns shall pay their pro rata share
according to foot frontage with other persons using the said road for
the reasonable maintenance of said road until such time as it shall
become maintained by a municipal authority.
SUBJECT TO Deed of Easement dated April 5, 1995 and recorded in
Misc. Book 494, Page 751; ALSO SUBJECT TO Declaration of Taking
dated March 16, 1995 and recorded in Deed Book 119, Page 711.
HAVING THEREON ERECTED a dwelling known as 907 Good Hope Road.
BEING THE SAME PREMISES WHICH Alice R. Amos and Carolyn M. Hartman
by deed dated October 30, 1991 and recorded in Cumberland county
Deed Book J-35, Page 524 granted and conveyed unto Charles E.
Lopert and Diane M. Lopert.
TO BE SOLD AS THE PROPERTY OF CHAPLES E. LOPERT AND DIANE M. LOPERT
UNDER CUMBERLAND COUNTY JUDGMENT NO. 1996 - 02851.
Parcel: 10-17-1033-034
![
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ORDER OF COORT
,
.,
AN) 1'Oi.
pursuant to Pa. Rule
,i
of Civil PrtICedure 3123.l(b), a heanng is set for
U1 court Roan No.
CI.rrilerland County Courthouse, Carlisle, Pennsylvania. The Sheriff of
C\.JItlerland County shall notify the parties of the t1/lll and place for the hearing.
By the Court,
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J. R. LOTWICK
IHIIlIFF OF DAUPHIN COUNTY
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Charles E. Lo~ert
96-28~1 Civil
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October 22. 1996
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Proof of Publication of Notice In The Patriot and The Evening News
an~.d!.h~rt ~~n~,~t,~,!!!,I.~!:~!.~s
('ommll1l,weallll of P~"","lvn"la, }
Co,mt" of nalt7JlIIn ..:
"""""".""."."."...~\t~IM1.~.Ll:I!IJ:.r.!'i.W""""....."...,,,,,..,beinl\' duly ~worn accordini' to law, deposes and says:
Autlt. COJ1trolh'r
Thlt he Is the .."."""",,,..,,,,,.,,..of THE PATRIOT .l'iEWS CO., a corporation orll'unlzed and exlstlni'
under the lawI of the Commonwealth of PennKylvanla. with It~ principal office and place of business at
812 to 818 Market Street, in the City of Harrl,burll', Counly or Duuphln, State of Pennsylvania, owner
and publllher of THE PATRIOT and THE EV~:Nll'iG NEWS and the SUNDAY PATRIOT. NEWS
new.paper. of Il'eneral circlllatlon, printed allll published at A12 to 818 Market Street, in the City,
County and State aforesaid: that THE PATRIOT and TilE EVENING NEWS and the SUNDAY
PATRIOT. NEWS were eshbllshed Mlrch 4th, 1854, and February Il1th, 1917 and September 18th,
10.9 re.pectlvely, and all have been continuously published ever since;
That the printed notice or publication which is securely attached hereto Is exactly al printed and
.Mutrtl WOJrllt 22nd and 29th daytl
published in their re&'lllul"unronl alia Illuel which appeared on the ..".""""""""""..........,..............,.."."
of October and the 5th dny of Nuv~mber 1996.
........................................................................,...."....................................................,.....................,...,............,1.............
That neither he nor seid Company il intere~ted in the subJ~ct matter of laid printed notice or adver.
tllln.., and that all of the allell'ations of this Itatement as to the time, place and character of publication
are true j and
That he hll per.onal knowledge of the facti afor,"ald and is duly authorized and empowered to
verify thl. Itatement on behalf of The Patriot.News Co. arore.aid by virtue and pursuant to a resolu.
tlon unanimously pa..ed and adopted severally by the stOCkhtlders and board or dlrectorl of the said
Company and .ublequently duly re.:orded In the olllce for the R rdinll of Deeds in and for said County
of Dauphin In MI",.lIon.oll.Il....k "M". \'..Iu",. II. POl. ~ 17. ,-
."., .. X.... .. ","..,,.. .........:....................1. J~..;..~ili:L".....;;............................
_.--=. '-l.;" "'. ,. ..' Sworn to and .~)MCrlbe4 '9': .iJ.,.....t~.~.t\.....day of
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a...~I.._M.'" Statement 01 Aavertising Costs
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To THE PATRIOT.NEWS CO., Dr.
For publishing the notice or publication attached hereto on tha
above stated datel ' ...,.....~.~.?..:,~.L..
l.ou
Probating lame .'"".......................
298.83
Total ...,......,..,...............
Publisher's Receipt for Advertising Costs
THE PATRIOT.NEWS CO.. publisher nr THF. PATRIOT and THE EVENING NEWS and the
SUNDA Y PATRIOT.NEWS, new"paper. or I\'eneral circulation, hel'eby acknowledge receipt or the
aforel&ld notice end publication costs and certifies thlll the Kame have been duly paid.
TilE PATRIOT.NEWS CO.
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PROOF OF PlJ8L1CA TION OF NOTICE
IN CUI\IUERLAND LAW JOURNAL
(Under Act No. ~1l7. approved May 16. IlJ2lJ). p, L.171l4
STATEOFPENNSYLVANIA :
ss.
COUNTY OF CUMDERLAND :
ROller M. Morllenthal. EsquIre. Editor of the Cumberland Law Joul'l1al. of the County
aud State aforesaid. being duly SWOI11. acclll'ding to law. deposes and says that the Cumberland
Law Journal, a legal periodical published in the Borough of Carlisle in the County and State
aforesaid. was established January 2. IlJ52. and designated by the local courts as the ofticial
legal periodical for the publication of all legal notices. and has. since January 2. IlJ52. been
regularly issued weekly in the said County. and that the prillled notice 01' publication allached
hereto is exactly the same as was Plinted in the regular editions and issues of the said
Cumberland Law Journal on the following dates.
viz:
OCTOBER II. Ill. 2~. IlJlJ6
Affiant fUI1her deposes that he is authorized to verify this slUtement by the Cumberland
Law Journal, Illegal periodical of generul circulation. and that he is not illlerested in the subject
matter of the aforesaid notice or advel1isemel1l. and that all allegations in the foregoing
sllItements as to time, place and character of publication are true.
JUIAI, aftAft aAL& NO. 11
Wril No, 96.2851 Civil
Mellon Bank. N .A. I As Successor
Trullt~ For Pennsylvan1l:1 Houllln8
F\n8nct Aaency
va.
Charle. E. Loper! aJ1d
DIane M. Loporl
AtlY,; Lton P. tfnller
LEGAL DESCRIPTION
ALL TIlAT CERTAIN lot or lrocl or
land tIJlUulIe In Hampden Township.
Cumberlnnd County. Pennsylvania,
more particularly bounded and de.
scribed as (ollows. to "'11:
"EGINNING at B point on Ihe ceu.
ter line of lfglslaUve Route No.
21016 leading rrom Wertavllle to
Route 11 brl"" 8AO ff'rt In n l\OIlth.
/~-~I LL------
Rng~1' . Morgenthal. Editor
SWORN TO AND SUBSCRIBED before me this
~day of OCTOBER . IlJlJ6
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