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(,!-' ql,. ~a'l~ /'#'. :' MILLON BAlflt, N.A., AS SUCCESSOR TRUSTIE. for PENNSYLVANIA HOUSING PINAHCB AGBNCY, PLAINTIFP I IN THE COURT OP COMMON PLEAS I CUMBERLAND CO., PENNSYLVANIA I I VS. I NO. 1ft I /,~ (I ,t! ..)1 i.:J.." I,ll L JOHN M. FRANCIS and ELAINE K. PRANCIS DEPENDANTS CIVIL ACTION - LAW - IN MORTGAGE FORECLOSURE NOTICE 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 tor 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 OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNIX 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 plaza al partir de la fecha de la demanda y la notificacion. Usted de be presentar una apariencia escrita 0 en persona 0 por abogado y archivar en la corte en forma escrita sus defensas 0 sus 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 par cualquier queja 0 alivio que es pedido en la peticion de demanda. Usted puede perder dinero 0 S'JS propiedades 0 otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABODAGO IMMEDIATAMENTE. SI NO TIENNE ABOGAn 0 SI NO TIENE EL D1NERO SUF1C1ENTE 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 TRUE COpy FRO Court Administrator, Cumberland County courthqw,,,,mon her M RECORD Carlisle, Pa. 17013 - - ('117) 240-6200 and r YW eof,lhereunrosetllly Thl' ( COlI al Carll.... PI. L II. 1 6 ,,~ ~l l~ , . the mortgage and that the attachment of a copy of the Note is unnecessary pursuant to Rule 1019 (h) and 1141 (a) of the Pennsylvania Rules of Civil Procedure. 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 766, Page 1096. The mortgage was assigned to Philadelphia National Bank (PNB) , a~ Trustee for Pennsylvania Housing Finance Agency, pursuant to the terms of said Trust, and recorded as aforesaid in Book 301, page 445 on March 3, 1993. Philadelphia National Bank is now known as Corestates Bank, N. A., as Trustee. 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 560 Valley Street, Unit 11, East Pennsboro, Pa., and is more particularly described in Exhibit "A" 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 $14.92 per day from 9/1/95 to 6/1/96 (based on a contract rate of 12.09\) (c) Aocrued/Accumulated Late Charges and Late Charges at $19.84 per month $44,421.61 $ 4,073.16 $ 198.40 (d) Escrow deficit/credit $ -0- (e) 5\ Attorney's Commission S2.221.08_ $50,914.25* TOTAL *Together with interest at the per diem rate noted in (b) above after 6/1/96, and other charges and costs to date of Sheriff's Sale. The atto~ney'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 lie". .-....-,......-.-.., ..." 10. Defendants are not members of the Armed Forces of the United Stat~s 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 proceduras required by Pennsylvania Act 91 of 1983 (Homeowners' Emerg~ncy Mortgage Assistance Payments Program) and Defendants have either failed to meet the time limitations as set forth therein or have been determined by the Housing Finance Agency not to qualify. for assistance. WHEREFORE, Plaintiff demands judgment in mortgage foreclosure ":IN RD" for the aforementioned total amount due together with interest at the rate of 12.09% ($14.92 per diem), together with other charges and costs including escrow advances incidental thereto to the date of Sheriff/s Sale and for foreclosure and sale of the property within described. BY: Leon P H ller Attorney for Plaintiff . 1. D. #15700 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 ALL THAT calTAIN unit ln the p~ope~ty known, na..4, an4 ld.ntltl.4 .. C~..k.ld. Vlll.,. Condo.lnlu., 1001t.4 ln la.t '.nn.~oro Town.hlp, Cua~.rl.nd County, '.nn,Ylvlnla, whloh hi' h.r.totor. ~'.n .ubaltt.d to the provi.10n. ot the Unitor. Condollniu. Aot, 681 'a. e.s. 3101 n ...q. ~)' the noor41n, ln the "'00r4.r ot D..4. orno. or Cua~.rl.n4 County, '.nn.ylvlnll. on Nov"~.r 291 198ql ln Mllo. look 301. 'I,. 71, ot I Dlcll~.tlon dlt.4 Nov..bl~ 21, 198Q, whloh unlt 1. 4..1,nat14 .. unit No. 11 1n IUd D.olaratlon. TOOlfYII wlth all rl,ht, tltle .nd 1nt.~I.t, b.ln, a 9.0909S lnterut in In4 to the Co.aon 11...ntl al 11 .ore tull)' ..t rorth ln the Ito~.1114 D.ol.ratlon at Con40mlnlum .nd D.ollrltlon 'lan.. UNDIR AND SUIJICT to all .'r....nt., oondltlonl, ......nt. and r..trlotlon. at ~.cord Ind to the P~ovl.lon., .....~nt., oov.nant., Ind ~..trlotlonl .. oont.ln.d ln th. D.ollrltlon ot Condoalniu., Dloll~atlon Pl.n., .nd By-l.wl at the C~..k.ld. Vlll.,. Condoalnlu. 'lIool.tion. IIINO I portlon ot the prl.l... whloh Vlr,lnl. R. Outlhlll. b)' h.r dud dlted 31 HI)' 198Q Ind rloord.d in the Ott101 at the hoord.r ot 0..01. ln .nd tor CUlb.rl.nd County, '.nnl)'lvlnll, ln 0..01 look S, Volul. 30, ,.,. 444, ,rlnt.d .nd oonvlYld to Hloh..l C. Hannln. an4 ~orltta R. Hannln" hl. wlt., ,r.ntor. h.r.ln. 'NO thl ,rantor. w111 'In.r.lly ..arrant and torev.r dlfend the o prop.rty h.reby oonv'Y.d. .da~P 31 rACE 655 ......., ,.lAl..~-f.1'/.(t:.fI c...~ c:... II. . ..f! .... .- "..01. ,. 11 ..~.?-:lJd'1 M'~v.:.~- .~.... 1I1"'--~ c.1t. c:. ..". 1:'" ,,,I. ~ ~ui' 'u ...... 1IlW. ~ ~,P . t' .... ..... ....... ,. 'if .>:.-:/.J.::tl I.~.~t:.. . . . ..:.._. c. 'h', 'ct,....~ . ,. t~h- A PENNSYLVANIA HpUSING FINAN~E AGENCY Single Family Programs Division 210 I North Fronl Slreel 1'.0. (lux 8028 lIarrisburg, I'ennsylvania 17105.8028 (717) 780.3870 TDD Fllr The "Iearing Impaired Only .(717)780.1869 CERTIFIED MAIL . RETURN RECEIPT REQUESTED DECEMBER 11, 1995 RE: Account NO: 5751 JOHN M FRANCIS ELAINE K FRANCIS 560 VALLEY STREET SUMMERDALE PA 17093 RE: 560 VALLEY STREET SUMMERDALE PA 17093 Dear Occupant(s): NOTICE OF INTENTION TO FORECLOSE MORTGAGE The MORTGAGE held by CORESTATES BANK, NA, TRUSTEE FOR PENNSYLVANIA HOUSING FINANCE AGENCY (hereinafter we, us or ours) on your property located at 560 VALLEY STREET SUMMEPDALE PA 17093 IS IN SERIOUS DEFAULT because you have not made the monthly payment of 606.00 for October 01, 1995 thru December 01, 1995 for a total of $1,814.00, plus late charges and other charges that have accrued to this date in the amounts of $39.68 and .00 respectively. 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 $1.913.20. You may cure this default within thirty (30) DAYS of the date of this letter, by paying to us the total amount of $1,913.20, plus any additional monthly payments, expenses and late charges which may fall due during this period. Such payment must be made either by cash, cashier's checkk, certified check or money order and made at PENNSYLVANIA HOUSING FINANCE AGENCY 2101 NORTH FRONT STREET/P.O. BOX ~028 HARRISBURG, PA 1'7105 - 8028 (717) 780-3B70/3871 or 1.800.822-7375 or TDDij For Hearing Impair.ed (800) 346.3597 If you do not cure the default within THIRTY (30) DAYS. we intend to exercise our ri ht to a~celerate the mort a e a ents. This means that whatever s ow ng on t e or g na amount orrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the 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. If the mortqaqe is foreclosed, your mortgaqed property will be sold by the SherIn: to pay off the mo~aqe deot. II we refer your [At[) U) 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 tees, 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 fee will be added to whatever you owe us, which may also include our reasonable costs. If you cure the default within the thirty day perio~ you wlll not be required to pay~ torney'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, ou still have the ri ht to cure the default and prevent the sale at any t me u to one our e ore t e S erl 's oreclosure sale. You may 0 so Y paYlnq t e total amount of the unpa d month- I~ ents and an late or otner char es then due as well as the reasona e attorne 's fees and costs connected w t the foreclosure sa e an per orm any ot er requlrements un er t e mortqaqe. It is estimated that the earliest date that such a Sheriff's sale could be held would be approximately five months from the date of this Notice. A notice of the date of the Sheriff 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 the following number: 717-780-3870. This payment must be made payable 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 of the mortgaged property and your right to remain in it. continue to live in the property after the Sheriff's sale, 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 THIS 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 WII,L ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS. CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY 'fHIRD PARTY ACTING ON YOUR BEHALF. ownership If you a lawsuit Y-YO\l cure the default , the mortqaqe same riosition as if no default had occured. ent t e to t s r g t to cure your e aUTt any calendar year. You have the right to assert in any foreclosure proceeding or any other lawsuit instituted under the mortgage documentG, the nonexistence of a default or any other defense you believe you may have to any such action. will be restored to the However, you are not more than three times in If you maintain credit, life or disability insurance in connection with your. mortgage loan, your failure to pay premiums with your payments may have already resulted or may result in the future in the lapse or a cancellat ion of that insurance by the insurance company. If the insurance lapses or is cancelled, reinstatement of tne loan will not reinstate the insurance, and you will have to apply to the insurance company and qual ify for replacement insurance if you wish to retain it. . . i . Com"'tt item. , IIM/Of 2 'or ..,dlllon" ItMCel. . Com""t It"'" 3. 1M .. . b. '; I' 'rttU your name ~ Idd"" on the "V.,.. 01 thi. tOlm 10 thlt W, 1:1" . rllllln Ihll Clrd 10 you. I "nlCh lhi, fOfm llot lh, hon' 0' thl m,'lpllce. or on the beck" .pln do.. nOI permit , t. . Wrll''''''I''m''.c''PtR.qu''"d''~nlhtm''lpI'I:'belowth..nlcl.numbli' 2. 0 Rlltricted aellv.ry t 'Ii . TM Al1uM "'Cllpl wllllhow 10 whom Ih, ,"lei, w.. dth"'" tnet \h. dill f I & "IKv,,..d, ,. Cantult oltm.ller or ,... '}3' Artlcll Addrolood to: 4.. Artlcll Numb., . . . ~ 9 oSl" " E~ I~ 4b. Sorvlcl TYPI : stoO vJh.~f. 0 RIglllorld ~~ IW Iil-ef"rtlflld Sun> 17d' 3 0 bpron Mill 7. 01.. of Ollivlry ~ /J..Ja ~ S. Addr....... Ad .nd I~. I. pold) ':) IS' I 1110 with to r,cllvl the following IIrvic.. Itar In ..tr. 1001: 1. 0 Addr....... Addu'I' 1: 1\ II 1\ IS! -I I: dJ! , I I " 15. ~ 8. ip ,.II Signltur. IAdd'.....1 1;1 *u,..~,~ ,i. I' 'I III ; 1:.I!l IIi: 1:1. i II ;J 'IS iJ 11 SENDER: . Compllle Item' 1 end/or 2 for eddlUonl1 ..McII. . Com!)lelllte"" 3. .nll 4. . ~. , 'rinl ./ltur n,me ,net eddre.. on the ,evlr.. of Ii'll. rorm 10 thet w, cln r"urn Ihl, clld to you. . Aneth thll form to Ihe 'ronl or the ",eUplen, or on the blclllf 'plce dOli nOI plrmlt. . Wrile "Altum "ecelpl"equlltld" on the ""lIpl,cI ~tow the ,rtIcl, numlNr . Th' "'turn ,.,c'lpt will .hOw to whom the If'ticll w., deUvI"d ,.,d lh, d,t. d.livlred. 3. Article Addre".d to: 'tU.I.GrOt ,... ., toll Ik~~ S~;;:;,4 S 1)el9!. 2. 0 Remlctld OIUvory Consult oatmeat.r for fll. 4.. Artlcl. Numb.r 2 '19 SIc.! 4b. S.rvic. Typ. o RIglllorld Gl.e.ttlllld o bpron Mill 7. Date of Oeliverv I J./).. 8. Add,....... Ad and tee is p,ldl ~;;J 5. ..... OFFIce: or TI" SII'~I" CII""' '/'~ liAr Z8 3 IU PH '96 (; I\ill !,; i .i:' PCNI13)'LI/A/IIA " " ' " C~ ,~W '=iT\] 1= IS?) tiV\) , , , " , " r MBLLON BANK, N.A., AS SUCCESSOR TRUSTIE, for PENNSYLVANIA HOUSING FINANCE AGENCY, PLAINTIFF IN THE COURT OF COMMON PLEAS CUMBERLAND CO., PENNSYLVANIA VS. NO. 1(" .)1 jj (11 t't ( JOHN M. FRANCIS and ELAINE K. FRANCIS DEFENDANTS CIVIL ACTION - LAW - IN MORTGAGE FORECLOSURE NOTICE 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 OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. ~ERLAND 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 abogado y archivar en la corte en forma escrita SUB defensas 0 sus obj eciones 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 oCros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABODAGO 1MMEDIATAMENTE. 51 NO T1ENNE ABOGAD 0 51 NO T1ENE EL D1NERO 5UF1CIENTE DE PAGAR TAL 5ERV1CIO, VAYA EN PERSONA 0 LLAME POR TELEFONE A LA OF1C1NA CUYA D1RECC10N 5E ENCUENTRA E5CR1DA ABAJO PARA AVERIGUAR DONDE 5E PUEDE CON5EGU1R AS515TENCIA LEGAL: ~UMBERLAND COUNTI TRUE COPY , Court Administrator, Cumberland County courthctwlfist, FROM RECORD Cat'lisle, Pa. 17013 -- (717) 240-6200 MId monywherlOf.lhereuntOIllIllY ' Thl I ~ 01 ColI III Cirri.... PI. \ II ( III (j t',' the mortgage and that the attachment of a copy of the Note is unnecessary pursuant to Rule 1019 (h) and 1141 (a) of the Pennsylvania Rules of Civil Procedure. 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 766, Page 1096. The mortgage was assigned to Philadelphia National Bank (PNB), as Trustee for Pennsylvania Housing Finance Agency, pursuant to the terms of said Trust, and recorded as aforesaid in Book 301, page 445 on March 3, 1993. Philadelphia National Bank is now known as Corestates Bank, N. A., as Trustee. 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 560 Valley Street, Unit 11, East Pennsboro, Pa., and is more particularly described in Exhibit "A" 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 $14.92 per day from 9/1/95 to 6/1/96 (based on a contract rate of 12.09\) $44,421. 61 $ 4,073.16 (c) Accrued/Accumulated Late Charges and Late Charges at $19.84 per month (d) Escrow deficit/credit $ 198.40 $ -0- (e) 5\ Attorney's Commission $2.221.08 $50,914.25* TOTAL *Together with interest at the per diem rate noted in (b) above after 6/1/96, 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. '.'1 ... 10. Defendants are not members of the Armed Forces of the United States of America, nor engaged in any way which would bring them within the Soldiers and Sailors Rel ief Act of 11940, as amended. 11. Plaintif f has complied with the procedures required by Pennsylvania Act 91 of 1983 (Homeowners' Emergency Mortgage Assistance PaymentD Program) and Defendants have either failed to meet the time limitations as set forth therein or have been determined by the Housing Finance Agency not to qualify for assistance. WHEREFORE, Plaintiff demands judgment in mortgage foreclosure MIN RDM for the aforementioned total amount due together with interest at the rate of 12.09% ($14.92 per diem), together with other charges and costs including escrow advances incidental thereto to the date of sheriff/s Sale and for foreclosure and sale of the property within,described. & fiALLER /,/1 Leon P, H Her Attorney for Plaintiff 1.0. #15700 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 BY: PENNSYLVANIA HOUSING FINANCE AGENCY Single Family Programs Division 2101 North Front Street P.O. Box 8028 H~rrisburg. Pennsylv~ni~ 17105.80:8 (717) 780.3870 TOO For The He~rin8 lmp~ircd Only .(717)780.1869 CERTIFIED MAIL - RETURN RECEIPT REQUESTED DECEMBER 11, 1995 RE: Account NO: 5751 JOHN M FRANCIS ELAINE K FRANCIS 560 VALLEY STREET SUMMERDALE PA 17093 RE: 560 VALLEY STREET SUMMERDALE PA 17093 Dear Occupant (s) : NOTICE OF INTENTION TO FORECLOSE MORTGAGE The MORTGAGE held by CORESTATES BANK, NA, TRUSTEE FOR PENNSYLVANIA HOUSING FINANCE AGENCY (hereinafter we, us or ours) on your property located at 560 VALLEY STREET SUMMERDALE PA 17093 IS IN SERIOUS DEFAULT because you have not made the monthly payment of 606.00 for October 01, 1995 thru December 01, 1995 for a total of $1,814.00, plus late charges and other charges that have accrued to this date in the amounts of $39.68 and .00 respectively. 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 $1,913.20. You may cure this default within thirty (30) DAYS of the date of this letter, by paying to us the total amount of $1,913.20, plus any additional monthly payments, expenses and late charges which may fall due during this period. Such payment must be made either by cash, cashier's checkk, certified check or money order and made at PENNSYLVANIA HOUSING FINANCE AGENCY 2101 NORTH FRONT STREET/P.O. BOX 8028 HARRISBURG, PA 17105.8028 (717) 180-3870/3871 or 1-800-822-7375 or TDD" For Hearing Impaired (800) 346-3597 If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our riqht to accelerate the mortqaqe paYments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortqaqed property. If the rnortqaqe is foreclosed. your mortqaqed proper~y will be sold by the SherIff to pay off the mortqaqe deot. If we refer your Om. ~) case to our attorneys, but you cure the default before they begin legal proceedings against you, you will st~ll 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 aver $50.00. Any attorney's fee will be added to whatevet' you owe us, which may also include our reasonable costs. If you cure the default within the thirty day period, Y2l:L w~ll 1I0t be required to pay at. torney'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 ri ht to cure the default and revent the sale at an time u to one hour e ore t e S er~f 's orec osure sa e. You may do so Y paYlng t e total amount of t e unpa month- 1 y payments and any late or other charqes then due , as well as the reasonable attorne 's fees and costs connected witn the foreclosure sale an er onn an at er. re u rements under the mort a e. It is est mated t at t e earllest date t at such a Sher ff's sale could be held would be approximately five months from the date of this Notice. A notice of the date of the Sheriff 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 the following number: 717-780-3870. This payment must be made payable 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 of the mortgaged property and your' right to remain in it. continue to live in the property after the Sheriff's sale, 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 THIS MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTI1~TION 70 PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE r10RTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. ownership If you a lawsuit If you cure the default..L, the mOl'tqaqe will be restored to the same Qosition as if no default had occ1.lred. How'.lVer, you are not entitled to this rlght to cure your default more than three times in any calendar year. You have the right to assert in any foreclosure proceeding or any other lawsuit instituted under the mortgage documents, the nonexistence of a default or any other defense you believe you may have to any such action. If you maintain credit, lite or diBability insurance in connection with your mortgage loan, your failure to pay premiums with your payments may have already r:esulted or may result in the future in the lapse or a cancellation ot that lnsurance by the insurance company. If the insurance ldpse~ or is cancelled, reinstatement of the loan will not reinstate rho insurance, and you will have to apply to the insurance company and quality for replacement insurance if you wish to retain it.. ,.. . . i . ComtMt.e f..m. , MdIOf 2 for td4IUONl 1""'1. I, Com9lttl II.".. 3. IN 4, · It. . II'tlnl your "1m. ,nd Idd,... on the 'I'll'" 01 IN. 101m .0 th'l WI tin ',' ....,n "" co.. .. you. I An.eh thlt 'orm to the bont oltht mallP"u, 01 on th. blell I' .pln dOt. 1'101 pI""I.. 1_ . t I . Wtllt""tlUrnA,u1plfll'QIJ.."cI'.'onthemlllpllclbllowtht.nlcl.nl.lmbtr 2. 0 R.ltrictld DIllv,rv ~ '0 . Thlllltturn "'Cllp' will .ho.... 10 whom 1M ,nlc;11 ... "th."d Ind \hI dlt, f f , i d,IIYI',d. .. ConltJlt oltmlltl' or II. ',i 3, Arllclo Addronod to: 40. Artlclo Numbe' . . . ~ 9 oSl" , E~ I~ 4b. SOlvlco Typo ; sto~Vci Sf. -, 0 Roglatorod :-.t fill' [Jl..ef'rllflod s I 7d' 3 0 Exp,... M.II 7. O.te 01 Dollvory ~ /J..Ja ~ 8. Add..n.... 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Add.... 2. 0 Rlltrlctod Ollivory ....) B. Addr'ssee', Ad .nd foo II p.ld} 6. Igna rt tntl ! PS 'or~ 3811, ~lCom~' 1 891 . ' .v... lU'OI ,... _ 1G1 . .f' '. COMPANY NAME: PENNSYLVANIA HOUSING ~INANCE AGENCY VERIFICATION I verify that the statements made in the foregoing Complaint are true and correct. I understand that falseatatements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. By Dated, 1-1-:;.5 -<.jy , Title H IJA-<...., t;.Gt .,<.- e~t..~,'-~ ...b.UL.t...Cu; ....;;..L"-yL.: eeL, .....1:.( ~~!lc.;~', " . JOliN W, pURCJ;LL HOWARD D. KRUO LEON p, HALLER JOHN W, PURCELL JR, VALERIE A. OIJNN JILL "I, WINEKA LAW OFFICES g;~ ~ &: ,g~ 1719 NORTH FRONT STREET HARRISBURG. PENNSYLVANIA 17102.2392 TELEPHONE (717) 234..1178 FAX (717) 23).1149 Joe,PH HIIILIY ll....'ooal ANTHONY DISANTO 0' COUNIIL HIIIlIHIV ,... QOVIIlHOft ftClloO 1"'1_ October 8, 1996 Office of the Sheriff Cumberland County Courthouse Carlisle, PA 17013 In Re: Mellon Bank vs FRANCIS Civil No. 1996-29.53 Dear Sir: Thea hove capitoned monage has reinstated in the amount of $7,639.60 therefore WE REQUEST AJJL ACTION BE STAYED. I I' LPH: cjb , MELLON BANK, N.A., AS SUCCESSOR TRUSTEE, FOR PENNSYLVANIA HOUSING FINANCE AGENCY, PLAINTIFF VS. JOHN M. FRANCIS AND ELAINE K. FRANCIS, DEFENDANTS IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW NO. 1996 2953 IN MORTGAGE FORECLOSURE NOTICE or ENTRY or JUDGMENT TO THE ABOVE-NAMED DEFENDANTS: r, You are hlilreby notified that on .4"/;,,....L.....- 10 1(19~ the following judgment has been entered against you in the above- captioned matter: $50,'14.25 and for the sale and foreclosure of your property at 510 Valley street, Summerdala, PA ill Dated: )~,_. '/.. ./a 11'14 17013 Au,,, ""L.. P 0tLlCjT >- ~ PROTHONO N/il.Y Attorney for Plaintiff: Leon P. Haller 1719 North Front Street Harrisburg, PA 17102 Phone: (717) 234-4178 I hereby certify that the following person(s) and their respeotive addresses are the proper individuals to receive this Notice pursuant to PA R.C.P. No. 236: John M. Francis 560 Valley Street #11 Summerdale, PA 17093 . Elaine K. Francis 560 Valley Street #11 summerdale, PA 17093 LEGAL DES~RIPTION ALL tHn C.ltAII IInU ln the property known, na"d, an4 identitl.d a. Cr..k.ldl Vl1ll" Condo.lniu., 100ltl4 ln II.t 'Inn.boro Town.hip, eu.berllnd COllnty, '.nn.ylvlnla, whloh ha. h.r.toror. b..n .lIb.UUd to the prov hlon. ot th. Unltol" Condo.iniu. lot, 68, ... C.S. 3101 It ...q. by thl r.oordlnl ln the 1II00rdll' or Dlld. Otr1O. ot Cu.b'l'l.nd County. 'ennlylvlnll, on Nove.bll' 291 1984/. ln Hllo. look 301, .... 71, ot I Oeclarltlon dlt.4 Nove.bel' 20, 19h, whioh unit i. deal,nated ... unit No. 11 in llid D.olaratlon. rOOITK.. with aU I'l.ht, tlth and lntlr..t, bein, a 9.09091 intel'eat in an4 to the Coa.on Ehaentl II 11 .ore tully nt tOl'th in the ator...ld D.ollr.tion or Condomlnll1m .nd D.olaratlon 'lln.. UNO.. AND SUBJICT to all Ilr....nt., oonditlonl, ......nt. and r"l:l'iotlon. or r.oord and to the provi.lon., ......nt.. oov.nant., .nd 1'..tl'lotlon. .. oontlln.d ln the D.ol.rltion or Condomlnll1m, D.ol.arltlon 'l.n., 11Id 8y.1I". ot the Creekslde Vlllale Condo.inill. Anooiatlon. BEING KNOWN AS 560 VALLEY STREET #11, CREEKSIDE CONDOMINIUMS, SUMMERDALE, PA, UNDER AND SUDJECT TO the conditions and restrictions as set forth in prior deeds, and as recorded in Declaration of Condominium as recorded in Misc. Book 301, Page 71. BEING THE SAME PREMISES WHICH Michael C. Manning and Loretta R. Manning by deed dated December 5, 1984 and recorded in Cumberland County Deed Book A-31, Page 555, granted and conveyed unto John M. Francis and Elaine Francis. TO BE SOLD AS THE PROPERTY OF JOHN M. FRANCIS AND ELAINE K. FRANCIS UNDER CUMBERLAND COUNTY JUDGMENT NO. 1996 - 2953. PARCEL: 09-12-2993-071B-U11 c.. ". ." .., ~ j ~ oJ '1; ~~".,)~p. ,. ~ 0- ~ ..., ;.) Qi' ^ "'" vi "" ~ 0.; ~ 'l ';) ...: '~ "C ..... ... \' , " '" is: JOHN M. FRANCIS AND ELAINE K. FRANCIS - REAL OWNERS A SCHEDULE OF DISTRIBUTION, being a list of the persons and/or governmental or corporate entities or agencies being entitled to receive part t)f the proceeds of the sale received and to be disbursed by the Sheriff (for .xample, to bank. that hold mortgag.. and aunicipaUti.. that ar. ow.d t.x..) will be filed 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 PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF YOUR PROPERTY. IT HAS BEEN ISSUED BECAUSE THERE IS A JUDGMENT AGAINST YOU. IT MAY CAUSE YOUR PROPERTY TO BE HELD. TO BE SOLD OR TAKEN !lQ 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 OFFICE SET FORTH BELOW 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 ARBI 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 '>'- ,-"t p' . . ..;J ,:;1 (~ ~~ , ,-, i.of. .j ~\;' " j f" I' . .~ .,' \.... "\ .;~~ 9\ C' t":. ,'r) " l.t- o" .."l.' L~ ' ,~ - 11....j I 1,1' In. <J. " " , " .J 1"._ ..i' " I, , , ,', '" , LEGAL DESCRIPTIO~ ALL rur C.RrAII IInU Ln ~h. proper~r known, n..eel, anel lden~LtLleI .. Cre.k.Lell VLll..e Conelo.LnLIII, looat.d Ln la.~ 'enn.boro Town.hLp, CII.berl.nd COllntr, 'enn'rlvlnll, whLoh hie herltotore been 'lIb.L~~.d to ~h, provl.10n. ot the Unltor. Condollnl111 Aot, 68, 'a. e.s. 3101 u ...q. by the reaordlnc In the Ileaorellr ot Duell OttlO. ot CII.b.rl.nd COllnOy, 'enn,ylvlnl., on Nov..b.r 291 198q4 In Hleo. Book 301, ",. 71, ot a D'clara~lon da~ed Nov,.ber 20. 198 , whloh IInl~ la dulenated .. IIna No. II ln .ald Deolaration. TOOlrNI. wl~h all rl,h~, ~I~le and In~ero.t, b.ln, . 9.0909S Inttr.u In .lId ~o ~h. Co..on El...nt. II 10 1I0r. tlllly ..10 torth In ~h. ator...ld D.olaratlon ot Condomlnl111 .nd D.clarltlon 'lan.. UND.. AMD SUBJICT to all ..ro,..nt., oondl~Lon., ......nt. .114 r..trlo~lon. ot r.cord .nd to tho provl.Lon., ......n~.. OOYln.nt., al\4 r..trlotlon. .. oont,Ln.d ln ~h. DeclaratLcn ot Con4011nll1., D.olarl~Lon Plan., Ind By-lawo ot the Creek.Ld, Vl111" Condollnll1. Aaaool.Uon. BEING KNOWN AS 560 VALLEY STREET Ill, CREEKSIDE CONDOMINIUMS, SUMMERDALE, PA. UNDER AND SUBJECT TO the conditions and restrictions as set forth in prior deeds, and as recorded in Declaration of Condominium as recorded in Misc. Book 301, Page 71. BEING THE SAME PREMISES WHICH Michael C. Manning and Loretta R. Manning by deed dated December 5, 1984 and recorded in Cumberland County Deed Book A-31, Page 555, granted and conveyed unto John M. Francis and Elaine Francis. TO BE SOLD AS THE PROPERTY OF JOHN M. FRANCIS AND ELAINE 1<. FRANCIS UNDER CUMBERLAND COUNTY JUDGMENT NO. 1996 - 2953. PARCEL: 09-12-2993-071B-U11 ~. ~ ": ., (, ':\'J, . ~ 0:" pC , .)~~ , ft' ~, ',-: ')"'l. 'ti L ..~ ',:', .' t'; f':, r.i fij ~ " :,'~ fLl' 0.. '; 'rr) l.. I Go. /, .... ,. ", ':i u ,vl (J I, 'I ,..... .It .. ~ I: ..:. I .. . .'( 111(" '-J " ; (..~( , .., n::, l.~_ '" ';..1 ~' ". ~,. . 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