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Home My WebLink About96-02966 " CIVIL ACTION I. Plaintifl: Ford Motor Credit Company, is u corporation duly orl!anized and existinl! under the laws of the State of Delaware, and authorized to do business in the Commonwealth of Pennsylvania, with oftices located at One American Road, Dearborn, Michigan 48122. 2. Defendant(s) Nathan P. Puceta is/are individual(s) residinl! at the addressees) contained in the caption of the case. 3. On or about June 17, 1995, Defendant(s) (buyer) entered into a written Automobile Instalment Contract (hereinatler called the Contract) to purchase 11 "Vehicle" from a dealer (creditor) IlS fully described in said Contract, said purchllse to be made accordinl! to the terms, prices and conditions contained within the aforesaid Contract. a true und correct copy of said Contract beinl! attached hereto, made 11 part hereof, and marked Exhibit "A". 4. "Creditor" subsequently Ilssil!ned the aforesaid Contruct to Plaintiff, Ford Motor Credit Company. 5. Subsequently, Defendant(s) did defuult upon the uforesllid Contract by failing to make timely installment payment to Plaintiff and in accordance therewith the entire remaininl! balance became due Wid payable immediutely. 6, The aforesaid Contract further provides that in the event of default, Plaintiff mllY repossess the "Vehicle" and sell same in accord with the terms of the aforesaid Contract. 7. The aforesaid Contract further provides that buyer agrees to pay lawyers fees and legal costs permitted by law. 8. As a consequence of the foregoing, there is currently due Wid owing to Plaintiff by the Defendant(s) the following sums: BALANCE WHEN REPOSSESSED LESS: Sale Proceeds Physical Damage Insurance Premium Refund Credit Life InsurWlce Premium Refund Accident & Health Insurance Premium Refund Finance Charge Refund ADD: Earned But Unpllid Credit Charges Unpaid Late Charges Repossession Expense Balance Owing Customer Payments Received uller establishment of Deliciency SUBTOTAL Interest Plus Attorney's fees of 20% TOTAL DUE $10,094.30 5.700.00 .00 .00 .00 698.10 423.13 5.12 ...22W $ 4,651. 70 5~9.50 $ 4,062.20 182,80 849.00 $ 5.094.00 ADDI'1ONAl AIM......fI l, ,..............., .....1 ,,'"'..... ..... III ..,-.... ...u 1tIlI:, ..... "...., ,."::r..... .. .1 .IIr""- ...,.... ,lilt It........, ....... "" If, 11II... .....9, ........... -..... -- ,... 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" 1 "" 'I" HAVT, HAYT & LANDAU IV: ARTHUR LASHIN IDENTIFICATlONNe 23425 SIXTH FLOOR 400 MARKET STREET PHILADELPHIA, PA 18108.2508 (al5) _.1400 AT rOflNEV FOR PLAINTIFF PORD HOTOR CREDIT COMPANY On. American Road D.arborn, Hichigan 48122 v.. NATHAN p, PUCETA 7073 Carli.le Pike 1123 Car1i.le, PA 17013 "NOTICE "vo,", "hi 0"" "',I'd In court, If 'II)U .....\" 1(1 a"'nd "'Inu I'" (l'lm, "I 'or,,, In In. fOllow"" ".,.., yOU muu I.II'HI.on WI'n," tw,nlV (201 O'VI .',,, '"'1 com""I"' .no "OllCl'" "'lila, DW ,nlf""4' w'III," 'DDu"ne, 0"10"'11", or 0'1 IIfO'",,,, .n(l "II'" In w'Ilt"t WIt" In, COu" ,;,ou, (!lI,nl" or 001,(1'0"' In ,". (1'1"" ,t' 'O',n '9'I"n VOu. "'au", w,rnla '"It" YOu "1110 do 10 In, "'.. m.." prOC"d wllnoul ';'O\,j .no 'luOI"',,,1 m.'1 D' In. ""0 .t,I"" YOU by ,tit cou" WIII\OUI hul"" nOllc, 10' In." mono IV Cl'lm,o In ""comal,.", 0' la, In,;, 011'1" el'lm or "'1" "Qu.~t, let by tn, &:I1'lnllIl, You m.,. 10" monly or D'OD.n~ 0' o,n" "9"" ""Dor',,", to ';'ou. "VOU SHOULO TAKI THIS PAPER TO YOUR LAWV[R AT ONCE, "VOVOONOTHAV[ALAWV[RORCANNOTA~. FORO ONE, GO TO 0" T[LIPHON[ TH! O'''IC( 5[T FORTH elL.OW TO "NnOUT WHERE: vau CAN GIT LEQAl. H[I"P. LAWYER PIRERRAL SERVICE Court Administrator 4th Pl.. Cumberland County CourthousQ Carli.1., Pennsylvania 17013 (717) 240-6200 I C[RNV rn: 'Ii'- Cat', ~ .~[ TltIJ r;st. . 11111( MiD '" - --- "It.;r~ ;~ FloIlill1lf CUMBERLAND COUNTY COUR T OF COMMON PLEAS CIVIL DIVISION TERM. f~ , (?_~{Iv~ }9ftfr No. CIVIL ACTION "AVISO "L. .,." o.",.no.ao, utl.a ,n " (t)II, 5, ull.a QUI'" a,I.no.,,, d. IItU O''''lndll "DU'II"." I.. dll,n" I'lu"n'.., 1"1.., II'n. w.,n" 1201 a,II, .,. DIUO.I !;)."II 0'1, 'ten. clll. o.""no. ''f I. "Oll"('(ltln MIC. '"" ,.."", u", (omD"'"(I' ''''II' 0 ,,, '"'10''' 0 (on un ,I)oq.oo y 'nlr,,,,, Ill. (or...n '0''''' lI(rot. tu. O,f,nl" 0 tu. oOIIC.onll, 'II o.m.nOll'" (onu. d. lu D"Ion,. S.. ,v,,,OO Qu' I' ull'd no It Off.'no" I' (ort, tom,rt m'Olt1U 'f OU'O' (onll""" '. O'''''"eI' '" (onu, luY' ..n 0""'10 ""1'0 0 r'lOI,r,u(,l5r'1, AO.",OSt, I' (0'" Du,CI' OIC.au , ""'13' "" O'''''r'la.nll ~ "Qu.,r. QU' UII.O (umpl. (on 10011 '" ~Ho"""on" a..." o.",.ne,.. UII.o pu.O' P"O" elm"o o tu. 01130"0'011 U 01'01 o""nol ''''Oorun", D'" uu'a, "l.L.EVE ESTA Ot:MANQA A UN A60GAOO INMEQIATAMENTE, SI NO TI[N[ AtlClGAQO 0 SI NO TIEN[ EL QINERO SvFICI!.NTE DE PAQJ\~ TI\L. SlRvlCIC, VAVA IN PERSONA 0 LL.AME POR T[L~ONO A L.A OFICINA CuvA OIRECCldN Sf ENCU[NTRA [SCAITA ABAJO PA~A AVERIGUAR aONOE SE PUEOt CONSlOUIR ASISTtNl.:IA LEGAL, CIVIL ACTION I. Plaintiff, Ford Motor Credit Company, is 0 corporation duly organized and existing under the laws of the State of Delaware. and authorized to do business in the Commonwealth of Pennsylvania, With ot11ces located at One American Road, Dearborn, Michigan 48122, 2. Defendant(s) Nathan p, Puceta is/are individual(s) residing at the address(es) contained in the caption of the case. 3. On or about June 17, 1995. Defendant(s) (buyer) entered into Il written Automobile Instalment Contract (hereinafter called the Contract) to purchase a "Vehicle" from 0 dealer (creditor) as fully described in II8ld Contract, said purchase to be made according to the terms, prices and conditions contained within the aforesaid Contract, a true and correct copy of said Contract being attached hereto, made a part hereof, and marked Exhibit "A". 4. "Creditor" subsequently assigned the aforesaid Contract to Plaintiff, Ford Motor Credit Company. 5, Subsequently, Defendant(s) did default upon the aforesaid Contract by failing to make timely Installment payment to Plaintiff and in accordance therewith the entire remaining balance became due and payable immediately. 6. The aforesaid Contract further provides that in the event of default, Plaintiff may repossess the "Vehicle" and sell same in accord with the terms of the aforesaid Contract. 7, The aforesaid Contract further provides that buyer agrees to pay lawyers fees and legal costs permitted by law. 8, As a consequence of the foregoing, tht:re is currently due and owing to Plaintiff by the Defendant(s) the following sums: BALANCE WHEN REPOSSESSED LESS: Sale Proceeds Physical Damage Insurance Premium Refund Credit Life Insurance Premium Refund Accident & Health Insurance Premium Refund Finance Charge Refund ADD: Earned But Unpaid Credit Charges Unpaid Late Charges Repossession Expense Balance Owing Customer Payments Received after establishment of Deficiency SUBTOTAL Interest Plus Attorney's fees of 20% TOTAL DUE $10,094.30 5,700.00 .00 .00 .00 698,10 423,13 5.12 527.25 $ 4,65 I. 70 589.50 $ 4,062.20 182,80 849,00 $ 5,094.00 (/~1.J _~.AIU...... .....1 ./ltI" B*~::~'::: - ~ m...~..:w=-====Il ~...- ~~ --- ~~ n.. ,. 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STATE or MICHIGAN S, COUNTY or WAYNE AJ'rtDAVIT John P. Ialt_n being duly .worn according to law, depo... and ..ye that he 11 Attorney Coordinator for ford Motor Credit Company, and that h. 11 duly authorized to take th1l Affidavit on behalf of Ford Motor Credit Company, and the fact contained ln the attached pleading are true and correct to the be.t of hie lnformation, knowledge and bellef. P. !alt_n rney Coordinator Sworn to and eubecribed before III thh 6th day of May ,19 96 J.nnller M. Thoma. Notary Publlo. Wayne County Mlohlgan My Comml..ron Expire. January , 8, 2000 , OfFlcr or ~l:t" TlI, ~,IIEI\IFF >i!'\I Kat 30 8 16 ~l\ '96 C:..I\\ I ::,'I....l" PEIH!~i H.YAtlIA ." '" , I, , I ',I ~ ~ . , ' " , 'I, i I I I j \ , " " I'. ". " , II HAVT. HAVT & LANDAU IV: ARTHUR LASHIN IDENTIFICATION NO. 23425 SIXTH FLOOR 400 MARKET STREET PHILADELPHIA. PA "1oa.2llOt (2101828.1400 ATTORNEV FOR PLAINTIFF CUMBBRLAND COUNTY FORD MOTOR CRBDIT COMPANY C:OUR T OF COMMON PLEAS CIVIL DIVISION va. NATHAN P. PUCBTA TERM: . No, 96-2966 CIVIL PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: You era r.qu..tad to reinstate the complaint filed in the above captioned uttar. By: HAYT. HAY! & LANDAU U LASHI, QUIRE Attorney for Plaintiff II I. , " ..... (J. Ir: ~:. -"' '. lU ~~ ' .. }..1" <..'. ("j III ;.. I"'> .' - . ~.~ 9', I~\-: ',' :;< , ' . ,~':J G" l,n -Ji, ' i:~~, rl.~ I, ! t'J )' . -., .r;.,; I! FJ ,!t,11 ,", 'h!Cl.., <..; ~~tl ,:'_ii (/" u I , :/, , ' , I, " I I;' , I ... " , IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION nRIClINAL O~'a'NAI. FORD MOTOR CREDIT COMPANY vs. NATHAN P. PlJCETA NUMBER: 96.2966 CIVIL PM-ijCIPE FOR DEFAULT JUDGME~T AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of Plaintiff and against the Defendant(s) Nathan p, Puceta for failure to answer Plaintiff's Complaint, endorsed with twenty (20) day notice to plead, served upon D~fendant(s) on August 5, 1996 and assess damages as follows: Unpaid Balance $ 4,062.20 Plus Interest 182.80 Late Charges .00 Plus Attorney's Fees 849,00 Less Credits, if any .00 I, ' , TOTAL DUE: $ 5,094,00 Pursuant to PaR,C.P. 237,1, I hereby certify that notice to file this Praecipe was mailed to the above named Defendant(s) and the Attomey of Record (if applicable) on August 27,1996 and copy/copies of same is/are attached hereto. f , ARTHUR LASHIN, ESQUIRE #23425 Attorney For Plaintiff HAYT, HAYT & LANDAU 400 Market Street 6th Floor Philadelphia, Pennsylvania 19106 (215) 928.1400 , , I ~ l ! ~ , ~ ~ ~ 1 If:?~ ~ IJ .... .( ~ fr. If) -c ,.~ I, t-: ;,,1" U,I~( tF. ' ,)~, " ~. .!:.. 1...'. :;1.. J.l I,,,,",. j ~' (',1 '~ .~ ! "il " " U~I .. ;. r. <'[1.1 I .' , '1- V, I' ,IJ) ) (,j ...: , I:.J r'\~ ~ , - -- r ", " \" .~.. ,\ " " ,," S-- ~ 'S" ''r) -- .....s ~ ~ ~" ~ \:U t. " SHERIFF'S RETURN - REGULAR CASE NOI 1996-02966 P COMMONWEALTH OF PENNSYLVANIAl COUNTY OF CUKBERLAND FORD KOTOR CREDIT COKPANY VS. PUCETA ttftTHAN P WESLEY COOK . Sheriff or Deputy Sheriff of CUMBERLAND County, Pennsylvania, who being duly sworn according to la., .ay., the within COKPLAINT upon -p'UCETA NATHAN P defendant, at 1403100 HOURS. on the -21h day ot Auau.t 1922 at 184~ HUNTERS DRIVE MECH~NICSBURG. PA 170~~ County, Penn.ylvania, by handing to NATHAN PUCETA a true and atte.ted copy of the COKPLAINT together with NOTICE and at the aame time directing ~ attention to the contents thereof. was served the . CUMBERLAND Sheriff's CostSI iocketing !H~i~it urcharge 19:00 2:11 So?~~ ~ )?..:r"'~~~ K. Inomas Kl1ne, - er HAYT, HAYT & LANDAU 08/06/1996 ' by '27.04 Sworn and aubscribed to before me ... ~ this 1'1- day of ~,-..r- 19 9(, A. D. I ~ _ t,........ C, /l..Jt......- A.l.pZ; I' Prothonotary ,~ '" ~ 'D ~ \110 ~ \l.o. ..tlt~... JO ~'j~t. ::: y~.'t I ; "''I4.~ ... ~~~1: S . ~... ': ~ ~~ 'f, ~ ~:: E i~ ... ~~ ~ N ,<;) ~ <l ~ N~~ r-\ ~<s ~ "'\ "-.~ C\ IS ' ~~ ........... . ~ - ?; r-- - .. ~;~"'l ~ ~ ~ Q ..:z I '1'- '" \~; .... ~ ~:~ 4J '\1 ~ ..,.. "'l a.. r ,)~;.1 ~ -.;.J ~ ~ co <~il1 ~ ~ N ~.:J ~"; '0 \::. ~ ..... l:i1! ~ <.' l') (\--(. ......... rt, 0 ..: ~b ~ .0 d '- en ~ , 1 I ! ~ ~ I I I ~ ! ~ ~ I , I , ! I I I ,) i 1 ...1 I e:! I I I ~l I I "'I I ~f ~ "'. "'I , .! :! ~ ;~ ~I ~~. 08 ~~ iSlA i5~ .. !;: I .., ~ '< ~ I- I I ~ 'j I I I ~j I ! I I I If 1 I , ;, I , 1 I I "",:!;; I , ! I , o l s :\ I I~ 1 "" j "'::Sa! I I I 1Il- !~ .. :!l I . I I ! A: I "" . !:; I I : . j ~I I , '=0; XI ! I Is I ~l I I .1 1 I I .. I .. ... " ~ 00 " .... "" "" 0 .c M <Il .... .... 0 .... " .::J ....... "'1...,~< =0; .. '" ..:I: ~ .. !~~~ .... .. '1"4 > '.... ....0.... ~) 10. c: ; z .... "'..,=0 1 .! ... i c 1 !. e i " " " bot ,,n In ~ l' ~-t ~~ 'I, " " " l ~' I f, " ,) I I' I ! ,t ': . " " ~ \,() - tl~ ..:f i;' l.~ I,:,"r. ~~! )...... };:'~ ~{ r..: ':.J . - r-' !;~ i,.\ N 1.1 - e.: . ..U 'it . . .,ill:; [_.. ~':. " l.l~ r- ':l '-> <:1' IJ , '1.1 , , ,\' "I , " , " ' '" ".\1""'\ " ,'r .., WRIT OF EXECUTION end/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO. 96-2966 CIVIL 19 CIVIL ACTION -tAW TO THE SHERIFF OF CUMBERLAND COUNTY: Ford Motor Credit Company To sallsty the debt, Interesland costs due PLAINTIFF(S) t~m Nathan P. Puceta, 7073 Carlisle Pike, Lot 123, Carlisle PA 17013. (1) You are directed 10 levy upon the property ot the defendant(s) and 10 sell property. DEFENOANT(S) Levy on personal (2) You are also directed to attach the property otthe defendant(s) not levied upon In the possession of ___ PNC Bank, N. A., Carlisle MJ Mall, S. Hanover St., Carlisle PA 17013. GARNISHEE(S) as follows: Kindly serve Interrogatories upon the above listed garnishee. and to notny the garnlshee(s) that: (a) an aUachment has been Issued; (b) the garnlshee(s) ISlare enjoined trom paying any debt to or for the account of the detendanl(s) and from delivering any property of the defendant(s) or otherwise disposing thereof; (3) If properlyof the defendant(s) not levied upon an subject to attachment Is found In the possession of anyone other than a named \jarnlshee, you are dlrectlild 10 notify hlrrvherthat he/she has blilen added as a garnishee and Is liInjolned as above slated. Amount Due $5,094.00 Interest Atty's Comm % Atty Paid $122.34 Plalntnf Paid Dale: October 28, 1996 - L.L. Due Prolhy O1her Cosls $.50 $1. 00 Lawrence E. Welker Prolho 1+11/11 Divls~n " I~t~ Deputy by:_ REQUESTING PARTY: Arthur Lashin, Esquire 6th Flr., 400 Market st. Philadelphia PA 19106 2513 Attomeytor: _Plaintiff TelellhOne: (215) 928 l400 SIJpreme Court ID No, _ 2 H 25 Name Address: " . , I. \ !L '.1 .1 .1 ~ ~ o ~ < ~ ~ ~ ~ ~ ... ~ , I I , I I I I I , I . I , ,. I I I " , . I .', , , " " " " " " , .'1 . .' " .,' " .~ I. , . I . , , I , '1 ,'JI , , " . I , '. . , I ,. . \ II 'i' 'I; ., (i , , . .' . , I . j" ., I, . , '~i .1 " , . . ,. ') '1,1_:1 'I .",1 ,',~ .~ t~~ ,.,1 \1 ^ ;1 ~ ~ '. I I. " \. ., " " , ,. , I .'. .,. . 'I i ,j ( li'l , I i,1 " " 'f',; II' i'i.', II 'j. f, ;',1' 1111'1 'I' ili 1 , "1,1 Ijl I, "~ {II. ,i\ I f,'tJrI' ;\ql Ii ,', ~ ~ I-,Ij !-jl ~ ']'!J/\ ( J I~, 1;1 , " I ,I , , I ',' M'rY 1.11 1,/'/.:/i'{ I': I II '1'1, ., " 1'" jl!'1 r.'" ': I " " ,I, ,', , I, " , 1", Iii , ,I,: /)'lllIil'11 ill" .,'ll'!i,llll 't ,', 'j) .Jr Ij P! r Ilit/' 'I 1,1) I' ill). L,fd !/'j , , ,\ , " I: r I II:' :.11.11 ',f,l, 1,'tl,l;!I' IVI!' "I li~ill ,j,' 1 'j h, ',II ; 1 \ I 1\ ,,' I,p /j, i i',f ill1 TI\!\\ ,'I ,",)',1",' 1_1)':''1' 1'1 [' r I I: :-;1\' l.l . t- r'F,I;;lill}\I.-j ;'!I.V j'.l'l , , Iii \ll,\ 1,:'1 ~ q \ . I. \, ! I' ,-,;,( 'I:" I llio] I, ,'J, " " .. , r\ I , , , , "I , , .' '1.\ , , II.' , " ,,' 11',1 ,.j" ,', II ~ f(~ "'Y- ',>/,..J J 11 9,~r~. ~.....~' ; I ,; l SHAPIRO AND KREISMAN BY: NANCY A. WORTH. ESQUIRE AND CHERYL L. VILLAUME. ESQUIRE ATTORNEY 1.0. NO. 50696 AND 70044 SOUTHPOINT OFFICE COMPLEX 1160 WEST SWEDESFORD ROAD. SUITE 350 BERWYN. PA 19312 TELEPHONE (6101695.9240 S & K FILE NO. 96-9427 Bernett Mortgege Co. CIO BancPlul Mortgage Corp. 9601 McAllister Freewey P.O. Box 471524 Sen Antonio, TX 78216-4605 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 96- ,:J.r,'~) e;.~, VS. Berry K. Stableln 224 Brien Roed Enole. PA 170215 DEFENDANT(SI COMPLAINT. CIVIL ACTION MORTGAGE FORECLOSURE NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOUOWING PAGES. YOU MUST TAKE ACTION WITHIN TWENTY 1201 DAYS AnER THIS COMPLAINT AND NOTICE ARE SERVED. BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY AnORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIM' SET FORTH AGAINST YOU. YOll ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OIlRlLllf'RlQUI'TED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKI! 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 4TH FLOOR. CUMBERLAND COUNTY COURTHOUSE CARLISLE. PA 17013 17171 240.41200 TRUE COPY FROM RECOAD IITtItImonywh.reol.1 hlll'euntosellllYhMd IIld IIIL 01 kltiJurt al Cart/sle. 'lr. TIl" Y I Itc. Ig ,,; .^" (. .. -- . ' :'01'1 ' ",J NOTICIA LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUI ERE DEFENDERIE DE ESTAI DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTEI, U8TED nENE VIENTE 1201 DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE PRESENTAR UNA APARIENCIA E8CRlTA 0 EN PERSONA 0 POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS 0 SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE 51 USTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO 0 NonFICACION Y POR CUALQUIER QUEJA 0 ALlVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO 0 SUS PROPIEDADES 0 OTR08 DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO 0 II NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO. VAYA EN PERIONA 0 LLAME POR TELEFONO A LA OFICINA CUVA DIRECCION 6E ENCUENTRA ESCRlTA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR AIISTENCIA LEGAL. i! COURT ADMINISTRATOR 4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE CARLISLE. PA 17013 17171240-6200 ........- ,.. . . .-.....'. q , r 1 I SHAPIRO AND KREISMAN BY: NANCY A. WORTH, ESQUIRE AND CHERYL L. VILLAUME, ESQUIRE ATTORNEY 1.0. NO. 1501598 AND 70044 SOUTHPOINT OFFICE COMPLEX 1180 WEST SWEDESFORD ROAD, SUITE 350 BERWVN, PA 19312 TELEPHONE 18101895-9240 S 1& K FILE NO. 98-9427 Barnett Mortgage Co. C/O BencPlul Mortgage Corp. 9801 McAllllter Freeway P.O. Box 471524 San Antonio, TX 78216-4605 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: VI. Barry K. Stable In 224 Brian Road Enola, PA 17025 DEFENDANTISI Plaintiff, Bernett Mortgage Co.. the addre.. of which II C/O BancPlus Mortgage Corp., 9601 McAllister Freeway, P.O. Box 47524, San Antonio, TX 78216-46015, brings this action of mortgage foreclosure upon the following cause of ectlon: 1. lal Parties to MortQaoe: Mortoaoee: Broedvlew Mortgage Company Mortoaoorlsl: Barry K. Stableln Ibl Date of Mortoaoe: September 25, 19B9 Icl Place and Data of Record of MortoeQe: Recorder of Deeds CUMBERLAND County Mortgage Book 953, poge 613 Date: Septamber 26, 1989 Tha Mortgage Is metter of public record and Is Incorporatad herein as provided by Pa. R.C.P. 10191gl. A true and correct copy of said Mortgage Is attached hereto as Exhibit . A. and Incorporated herein by reference. ~"'l' , (dl Alllonmentl: Alllgnor: Broedvlew Mortgege Compeny Alllgnee:Flrlt Netlonel Benk Dete of Alllgnment: October 16, 1991 Recording Dete: October 29, 1991 Book: 406 Pege: 657 Alllgnor: Flrlt Netlonal Bank Alllgnee: BencPlul Mortgaga Corp. Dete of Alllgnment: September 1, 1992 Recording Dete: Novembar 30, 1992 Book: 432 Pege: 341 Alllgnor: BencPlul Mortgage Corp. Alllgnee: Bernett Mortgage Co. Dete of Alslgnment: AI racorded Dete AIslgnment recorded: AI recorded Book: Aa recorded Page: AI recorded 2. Plelntlff II, therefore, either the original Mortgagee named In the Mortgagel the legalluccellor In Interelt to the original Mortgagee, or II the present holder of the mortgege by virtue of the above-described AsslgnmenUs). 3. Eech Mortgagor named In paragraph 1 exacuted a Note as evidence of the debt aecured by the Mortgage. 4. The real property which Is subject to the Mortgage Is generally known as 612 York Circle, Mechanlcsburg, PA 17025 end Is more specifically described as: ALL THAT CERTAIN lot or tract of land situate In the Borough of Mechanlcsburg, County of Cumberland and State of Pennsylvania, more particularly bounded and described as follows: BEGINNING at a point on the eastern sldEl of York Street Circle, which point Is et the line dividing Lata No. 20 and 21 on the hereinafter mentioned Plan of Lots; THENCE along the same, South 89 degrees 39 minutes East, 120 feet to a point on the line of Lot No. 19; THENCE along the line dividing Lot No. 20 from Loti NOI. 19 and 8 on laid Plan, South 00 degrees 21 minutes West, 65 feet to the line dividing Loti Nos. 21 and 22; THENCE alpng the same, North 89 degreel 39 mlnutel West, 120 feet to the Eastern line of York Street Circle; THENCE along the same, North 00 degrees 21 minutes East, 65 feet to the point of BEGINNING. BEING Lot No. 21, Block J, on the Plan of Wynnewood Park, as recorded In the Cumberland County Recorder's Office, In Plan Book 23, Page 175. BEING KNOWN AS 812 York Street Circle. UNDER AND SUBJECT to e 26 feot wide building set-beck line from York Street Circle, UNDER AND SUBJEC'r to e 10 feet wide sewer easement of the Eastern portion of the premll8s, UNDER AND SUBJECT Neverthaless to ellements, restrictions, resarvetlons, conditions and rights fo way of record. BEING the same premises which Russell E. Cook and Suzenne M. Cook granted end conveyed unto Berry K. Stableln by Daed datad September 25, 1989 and recorded In the Office of the Recorder of Deeds for CUMBERLAND County on September 28, 1989 In Deed Book E 34, Pege 579. 6. The Name and melllng address of eech Defendant Is: Berry K. Stebleln, 224 BrIen Roed, Enole, PA 17025. 6. The Interest of eech Individual Defendent Is es Mortgi:lgor, Raal Owner, or both. 7. The Mortgege Is In defeult because the monthly Installments of principal end Interest end other cherges statad balow, all as authorized by the Mortgage, ere due as of November 1, 1995 and have not been paid, and upon failure to maka such payments when due, the whole of the prlnclpel, together with charges specifically Itamlzad balow are Immadlately dua and payable. The following amounts are dua as of MAY 16, 1996: Principal of Mortgaga Debt due and unpaid 8. $72.626.56 Interest currently due and owing et 9.876% par annum celculated from OCTOBER 1, 1995 at $19.65 each day Lete Charga of .33.00 per month esseased on the 16th of each month .4.480.20 Escrow Balance (Credit to Dafendant) $297.00 .'499.631 Attorney's Fees $3.000.00 TOTAL .~ 9. Interest accrues at e per diem rata of $19.65 for each day efter MAY 16, 1996 that tha debt remains unpaid, and Plaintiff may Incur additional attorneys fees, as well as othar expenses, costs and charges collectible under the Note end Mortgege. 10. The orlglnel principal balance of the Mortgage exceeds Fifty Thousand Dollers c.eo,ooo.OO). Accordingly, Notice of Intention to Foreclose pursuant to 41 P.S, I 403 Is not required. 11. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983,315 P.S, 1 1680.402c, lU lWl., was sent to each Indlvlduel Mortgagor by first-cia.. mall. Copies of the Notice are attached hereto as Exhibit "B". WHEREFORE, Plaintiff respectfully raquests this Court to enter Judgment In 81m In favor of Plaintiff and against Defendants In the amount set forth In peragraphs 8 and 9, together with Interest, attorneys fees and for other expenses, costs, and charges collectible undar the Note end Mortgage end for the foreclosure and' lIale of the mortgagad premises. SHAPIRO & KREISMAN '/ BY: ~ NANCY p.. ORTH, ESQUIRE CHERYL L. VILLAUME, ESQUIRE Attorneys for Plaintiff Dete: May 21, 1996 S & K File No. 98-9427 , , ,..,.~._......~. . ~ . . . ..' C1ff';"j, ",.,tfl. -':':"'. ' -, IENANTS. Borrower Ind Lender. enant and Igree I' follows: Prlnclpallnd Interlll; Prepaymlnllnd Lall ellargll, Borrower .hIll promptly pay wnln dUI nl"" on Ihl dlbl evidenced by Ihl NOlI Ind Iny prepaymlnllnd Iall cllarg.. due under IhI NOlI, IXII Ind Inlurlncl, SUbJect 10 Ippllcable law QI.tq ,,_~r~IQc.~,b~ L!"!Ij~ Borr9Wer .hllI pay I monthly payment. are due underthl Nole, untltl* 'NOt. Jlt:iiId Ih fl.r."nullI ('f'ul'dl' .. to l4r1y!all1l and a8lellmenls which may analn priority 0YII1111181curlty IIlItrU/Tlent, (b) Yllrly or ground renls on Ihe Property, N any; (c) Y8lrly hazard Inlurance premiums: and (d) Y8lrly premiums, H any. Theil Heml Ire called 'escrow Hems,' Lender may lllImete Ihl Funds due on the , and r8lsonable "limates of future e.crow Items I be held in In InltHutlon the depo,11S or account I of which are In lured or guaranleed by a lederal or ing Lender It Lender IS luch an InSlitulion). Lender shall apply the Fundi to pay Ihe escrow llems 'gl lor holding and applying the Funds, analy1lng the eccount or vellfying thl escrow Hems, unless er interest on the Funds end applicable law permill Lender to make such a charge Borrower Ind , wrHlng thai Interest Ihall be paid on the Funds Unless en agroemenlls made or applicable law Ie paid, Lender lhall nOI be required 10 pay Borrower any Inter"t or earnings on Ihe Funds, Lender ~r, wHhoUl charge, an annualaccounling of tho Funds Ihowlng credlll and debits to the Funds end the ach debit to the Funds was mado The Funds are pledged as additional security for Ihe suml &lcured t; .ent. f the Funds held by Lender, together with the future monthly payment' of Funds payable prior 10 escrclW Hems. shall exceod the amOlllll required to pay the escrow Items when due, the excess shall b I. ell her promplly repard to Borrower or credited to Borrower on monthly p~ymenlS of Fundi. If the I held by Lender IS not suffiClont to pay Ihe escrow items when due, Borrower shall pay to Lender any J make up the deficiency In one or more payments as required by Lender. In lull of all sums secured by thiS Security Instrumenl, Lender shall promplly relund to Borrower ender. II undar paragraph 19the Property Is sold or or acquired by Lender, Lender shall apply, no late lor 10 Ihe sale of Ihe Property or Its acquisition by Lender, any Funds held by Lender althe time of jltlgalMt Ihe sums secured by this Security Instrument. 01 Plymlnll. Unless applicable law provides otherwise, all payments received by Lender under shall be epplled: flrSI, to lale char~es due underthe Note: second, 10 prepayment charges due under tf Inti payabll under parlgreph 2: lourth, 10 Interest due: and fast to principal due, Inl. Borrower shall pay ell taxes, assessments, charges, fines and Impositions anrlbutable 10 Ihe analn priority over Ihis Secullly Instrument, and leasehold payments or ground renls, If any, h..e obligations In the manner provided In paragreph 2, or N nOI paid In that manner, Borrower shall rectly 10 Ihe person who owed payment. Borrower shall promptly furnish to Lender all nollclI oIamou ; paragraph II Borrower makes these payments dlreclly, Borrower shall promplly lurnlsh to Lender the payments promptly discharge any lien which has priority over Ihis Security Instrument unless Borrower: (a) he payment 01 the obligation secured by the lien In a manner acceptable to Lender: (b) conte5\S In goe ellnds aoaln5\ enforcement of the lien In, legal proceed'ngs which in the Lender's opinion operate to 11enl of the lien or forfeiture of any part 01 the Property; or (c) secures from the holder olthlllen an 0"1 to Lender subordinating the hen to this Security Instrument If Lander determines that any part 01 !ct to ellen which may altaln p"ollty over thIS Security Instrument. Lender may give Borrower a I lien, Borrower shall salisfy Ih~ hen or talle one or mora of the aCtions set forth above within 10 days e. JrenCI. Borrower shall keep the improvemenls now existing or hereafter erected on the Property by fire, hazards Included wilhln the term 'elC1ended coveragl- and any other hazards lor which Lenda' Thl. Insurance shall be maintained In the amounts and lor Ihe periodS lhat Lender requlrea. The )vldlng Ihelnsurance shall be chosen by Borrower subj9ct 10 Lender's approval which shell nol be ~d, :lilcle. and renewals shall be ecceptable 10 Lender and shalllnciude a standard mortgage clause, e r1ghllo hOld Ihe policies and renewals If LendH requires, Borrower shall promptly give 10 Lender remlums and renewal nollces In the e'lent of loss, BOHov.er shall give prompt notice to the Insurance .Indsr may make proof of loss ,f not made promptly by Borrower. and Borrower otherw'se agree in writing, insurance proceeds shall be applied to restoration or repair aged, It Ihe restoration or repair is econonllcally feasible and Lender's security 15 not lessened If the Is nol economically feasible or Lender's security would be lessened, the insurance proceeds shall be secured by this Secullty Instrument, whether or not then due With any excess paid to Borrower, If , the Property, or does nol answer wlthill 30 days a nOI'cp. from Lender that the Insurance carrier has aim, Ihen Lender may collecl the insurance proceeds Lender may use the proceeds to repair or restor JY sums secured by this Security Instrument, whether or not then due. The 30.<Jay period w,lI begin iven. and Borrower olherwise agree In w"'lng. an'/ appilcaliOn 01 proceeds to principal shall not ex1end or ,/ ~ lUNT ,: 205619 ... III mongageln,urance 1'1 condition 01 making the lOIn IIcurlll by Ihls Security Instrumant, ,e premiums required to malnllln Ihelr15urlncelrt effect IllJlll .u~~ 1II'I),e Isthl/equlrement lor Ihe ; In eccordlnce wllh Borrower', end Lender'e ~~igt88rnen1 OII~ !*w, ' . . Lender or h Igenl may make relloneble ent"" upon Ind Inspections d the Property, Lender 10llce It the time 01 or prior to In Insptcllon specllylng rea,oneble caUI8 for Ihelnspectlon Ion. The proceed, of Iny IWlrd or c1elm lor damages, direct or consequential, In crmnactlon Wllh ,r other tlklng of Iny perl ollha Properly, or for convayenca In lIau of condemnetlon, Ire hereby a paid to Lender. I total taking oltha Proparty, the proceeds shall be applied 10 the sums secured by this Sec'Jrlty or notlhen due, with any excess paid 10 Borrower In Ihe event of a parllaltaklng 01 tha Proparly, I Lender olherwlsa agree In wrnlng, the sums secured by Ihls Security Instrument shall be reduced by oceeds mulllplled by the following fracllon' (a) Ihelotalamount ollhe sums secured Immediately tided by (b) Ihe fllr market value ollha Properly Immedlalely belora Ihe teklng. Any ballnca shall be ,..,j "':..~' ~.. . ' , '. ,~.,r....... ,. - \ s abandoned by Borrower, or ~, after nollce by Lender to Borrower Ihatthe condemnor oHers 10 ~nle a claim for dameges, Borrower lailslo raspond to Lender within 30 days after Iha dale Ihe nollcels lorlled to collect and apply Ihe proceeds, at Its option, either to reslorallon or rapalr 01 the Properly or by this Security Inslrument, whether or notlhen due 3nd Borrower otherwise agree In wrlllng, any application 01 proceeds 10 principal shall not extend or Ite of the monthly payments ralerred to In paragraphs 1 and 2 or change Ihe amount of such payments 'lot Relelled; Forb.lrlnce by Lender Noll Wllver. EX1enSlon ollhe lime lor paymanl or rtlzellon oltha sums secured by this Security Instrument granted by Lender to any successor In shall not operata to release tha liability of Ihe original Borrower or Borrower'~ successors In Interesl. 'aqulred to commence proceedings against any successor In Inlerest or refuse to eX1end IIml lor .e modlly amorllzatlon oltha sums secured by Ihls Security Inslrument by reason 01 any demand made /Wer or Borrower's succellors In Inleresl. Any forbearanca by Lender In exercising Iny right or remedy 01 or precludelhe exerclsa of eny right or remedy. II and ASllgn, Bound: Joint and Several Liability; Co-signers, Tha covenants Ind Igraemanls of lent shall bind Ind benefit Ihe successors and assigns of Lender Ind Borrower, subjeclto the provision, ,rrower's covanlnls and agreements shall be lolnt and several. Any Borrower who co. signs this Securit:, ,nOl execute lha Nole: (a) Is co. signing this Security Instrumant only to mortgage, grant and convey ...tln the Properly under the lerms of this Security Instrument: (b) Is not personally obllgaled to pay /thls Security Inslrumenl: and (c) agrees Ihat Lender and any othar Borrower may agrea to aX1end, lake any accomodatlons with regard to the terms of this Security Instrument or Ihe Nole without sent, ges, "the loan secllred by this Security Instrument Is subject to a law which sels maximum loan N Is finally Inlarpreted so that the Inlerest or Olher loan chargas collected or to be collecled In lOIn exceed the permitted limits, Ihen (a) any such loan charge shall be reduced by Ihe amounl t Iha chargelo the permitted Iim~; and (b) any sums already collecled lrom Borrower which exceeded )e refunded to Borrower Lendar may choose 10 ma~e this refund by reducing the pnnclpal owed I making a dlrecl payment 10 Borrower. II a refund reduces prlnclpal,lhe reduction will be treated as a vlthout any prepayment charge under the NOle. , Affecting Lender', RIghts. " enactment or explralion 01 appllcabla laws has Iha eHect 01 lion of the NOla or this Security Instrument unenlorceable according to Its lerms, Lender, at Its opllon, 118 payment In lull 01 all sums secured by this Secur~y Instrument and may Invoke any ramedles aph 19. " Lender exercises this option, Landar shall take the SlePS specified In tha second paragraph 01 'Y notice to Borrower prc'Jlded lor In this Security Instrumenl shall ba given by delivering It or by is mall unless applicable law requires use of another method The nollce shall be directed to the any other address Borrower designates by nOI,ce 10 Lender Any nOlice to Lender shall be given by Ider's address stated herein or any other address Lender designates by nollce 10 Borrower Any notiCE iecurlty Instrumenl shall be deemed 10 have been gi'Jen to Borrower or Lender when given as prOVided .-- I Law; Severability, This Security Instrument shall be governed by lederallaw and the law of the Ihe Properly Is located. In the e'Jentthat any prO'Jislon or clause of thiS Security Instrumenl or the Ippllcable law, such conflict shall nOI aHect other pro'Jlslons of this Security Instrument or Ihe Note effecl wllhoutthe conlllcllng prO'Jlsion. To this end the pro'Jlsions olt~,ls Security Instrument and the ) be severable s Copy, Borrower shall be gl'/en one conlormed copy olthe Note and 01 this Security Instrument f the Property or I Benellclal Interest In Borrower II all or any parl 01 the Properly or any A COVENANTS, Borrower lnet L..netlr 'urthl' COVlnanllnet Igr" ., IoIlowa: ,nl "lmedIH, Linder lhall glvI nollCllO Borrow., prior 10 lcelllrlllon lol,lowtnllllorrower'l IInl or IlIr"mlM In Ihll Sl4lurlty Inllrume.. ~po& !?,loU!t ~lIIon ~ par~grlpha . ~ Ind 1 N provldll Olllhwlll), Llndlr lhall notify 801jO~ Df.;Jmoiit OlII*,INllIitItt).iIie tI..t.Iltr M 1M Jralhl dlfIU/I; (c) wMn lha dllaull mUll be ourad: and (d) lhal lllluralo c""IIM dlllull.. IPlolllld '1Ilon 01 IhI.uml lIoulld by Ihll Slourlty 'nltrumeM, lOllClolUII by ludlcll' proolldlnlll Ind 1111 1/1 , lhalllurlhll Inform BorrowII 01 lhe rlllhllo IIln..... 1"" IccII,,"lon Ind Ihl rlllhllo "'''1 In IhI InlllM non'I.I,"nel of I dl/lull or Iny nihil dlflnl. 01 Sorrow" 10 1001llllllon IndlollOIOlUII II 'ad.. IPlclflld, Llnd.r III.. option mlY IIqulll Immldllll Plymlnlln fulf 01 IIf luml lIoulld by Ihl' wtlhout lutlhll dlmlnd Ind mlY 101101011 Ihl. SlGurlty In.trumlnl by Judlolll proOlldlnll. Lind" Olllotllf I.penllllneurlld In pUllulng .hl "midi.. provldld In Ihl. PlIIg"ph '11, Including, bul no 'II" Ind co... 0111111 Ivldlncllo Ihl ...llnl PI,mlnld by IppflClbll'IW, ,>o.....lon, Upon accelerallon under peragraph '9 or abandonmenl ollhe Property, Lender (In by Judicially .ppolnted receiver) ,half be enlllled to Inler upon, takl possession 01 and manage the getlha renls of the F'roperty Includlnglhose pa" du~, Any lint, collecled by Lender or Ihe receiver to payment ollhe costs of management 01 Ihe Property and collecllon 01 renls, Including, bul not la.., premiums on receiver's bonds and reasonable anorneys' fees, and Ihen 10 Ihe sums secured by lenl. Upon payment of all sums secured by this Securfly Instrument, Lender shell cancellhls Security :hargelo Borrower, Borrower shall pay any recordallon co"s. nlnl Parlod, Borrower's lime 10 relnstale provided In paragraph '8 shall e)(tend 10 one hour prior to 01 bidding at a sheriff's sale or other sale pursuenllo Ihls Security Instrument. Money Mortg.ge, If any of the debt secured by 1111s Security Inwument Is lenr to Borrower 10 acquire this Securlly Instrumenl shall be ill purchase money mortgage. III A"lr Judgmlnl, Borrower agreea lhallhe Inter"t rele payable aller I Judgment Is entered on the 01 Mortgage foreeto,ure shall be Ihe rale paYlble Irom lime to lime uneter Ihe Note, hi. Slcurfly In,'n/menl. If onll or more riders ere executed by Borrower and recorded logelher with lent, the covenants and agreemenls 0' eech such rider shall be incorporated Into and shall amend and enanls and agreements 01 this Security In"rumenl as If the rlder(s) were a part 01 this Securlly 'ppllceble box(es)) Rate Rider 0 Condornlnium Aider 0 2.4 Family Rider , Payment Rider o Planned Unit Development Aider / ;' / I' I spet;lIy) tlll-4/'-"1- IJ'I , ELOW, Borrower accapts and agrees to the terms end covenants contalnlld III this Security 'Y rlder(s) executed by Borrower and recorded with II. ''1..1...''';:'':; ~/~ }- '.. ....((., , BARRY K, ST~EIN / " ,-.L-.i . - ...1; ~ '{..'~ ~""' (5.111 I .Borrow., .' ~111 . " (Sell) .Borrowe, ISUII .Bo'ro~.r (Sp.C. Silo... Hili L'n. FOf AClI:nOWI.clgml"lj ,LTH OF PENNSYLVANIA, A''').. .e>', day 01 .,'~fJG.O'I'"w County 65: , 19 t '/ , balore me, ..- ~;I.:',.;;;'F~:,,'~' :::.~ '. .....'; ,.....:.:..,,,'. ".f .f,,'..... ...... . . ALL THAT CtATA1N lot or trlet of land IltUltl In thl Borough of Ktch&nIClbur91 Collnty of cunarland and Stlto 01 I'eMOylvanll. ..,r. plrUCl.llIrly bounded Ind dolerlbld II 10110wI' 1IG1NNlNO It I point on tho ...t.rn lid. 01 York Strllt Clrel.1 which point II It tho IInl dlVldlng !.oU No4. 20 and 21 on tho hK.I....fur Mntloned 'I"" of !.oUI thone. dong tho ....1 SoUth 89 dl9rlll 39 IlI1nutu Elatl 120 flit to I point on tho Iln. 01 !.ot No. 19' thlnel Ilong thl Ilnl dlvldl"9 !.ot No. 20 from LotI NoI, 111 and 8 on Nld PIlII, Soutll 00 dll\lu.. 21 !Illnutll Ntlt, 65 flit to tII. line dlvldl'l<j !.ou NoI. 21 and 221 thlnel along tho ...., North 89 declrll. 39 alnutu Wolt. 120 lilt to tho Elaurn line of York Strllt Clrel., thIne. oIong tII. ...., North 00 declrll. 21 II1nu.l. r.lt. 65 lilt to thl point of IlIXlINNINO. KING !.ot No. 21. 81oel< J, on tho PIlII 01 lIynnovaod Pirkl II noorded In thl cunarland Collnty RlCordor'. Of lie II In Pion look 231 '19. 175. IllNa KNOHN AS 61a York Strllt Clrel.. IIDICl 'IltIl So\IlI PRDI1W NlfIOI R.....1I 8. Cook and S....,..,. M. .tookl h41bond and wlf. by their DIId dated SoptlntJor 25. 1989 and Int.nded to be fotthvlth duly rocordod. grll\ttC and conVlyocl Wlto II..... K. St4lbI.lnl 01"91. -.. ~ ~ . " " ; .. ;..... '~ '/' " ' '. ", ..' ;~: " C . ~ '... :-'::1.. "'1 , ..,.'j.:.f!1J(, l_C;' " ...../3 ' I ;......f~~'~..l.(>> ~ ) ~.:..,.,:.~" ,0 ~:5.~. ~ "I" .YO' .~ . . ,~..r r . -. "'3 . 'I"' h,~oi 'J') lilt i) . '" lllfus r~...ear,. -:;::..:...~.:-..',71.r;~~:~/...;-..t\;~=r "I" .;"": t, .-\.' .' .t",., ',. ',. . ..J,~ .,.. . ..,!,:.::f,. ..:.,.t~,..r. .!. ,..~,.l~_....;;"'", . , JA',l.l- 'f \ I. t'llt :,..;..., ~'Iot.l,( It. 1~~LlEl~Lrl[~~tlLEellE\ lEL1..LlhC~ II II,tl~.IC. I~II IL~ ~I~~f~r:i~~t~~\-" Lilt c."ci[ ell"CE' '.C.E~I~ 1-\.ECIICh'l i~hth~m. FUll !rH'I~g , ~. c tLtl,.IC IE~!~LFi~lt,~~I~~,'t~ifll,;'I!~!.li!'\;iLI\~"I"I! ~.6C~E.'!',it,~t!lt al~r1"~'t ~U(~ l~: ~~~!C.~l.5' E~t.~E~Cl ~C~'GIGE ISSI!'I~(E FL't. l~ ';~CE,;; fI.':':C ''''I~. '-:1,; "'l.H ql.l. .:...1. SICh 'NO FIL I c.C"'Pl.~'EC C'~\E~~':~' :.i~!ef!h(l'E,tlllll!t'\ELt~~LICt~l~~II!lltl~~~J ~~ I~~ 41rll""'E~'. ~h 'P~\I"'t~~ F(~ '5SI~r'~Ct ,..., ChLl IE elAlhtC F.~~ A CChIL"'. C'Eell CeLhIILI'G IGEhC~, 1"1 CChIL"IR C.IC I CCL'IELI'c ~8~~il 9~~h ~~~~(111~CL'P~~lc~I~~~hG,~L',"lC~Rpf~~~~~Ol~T~ 1~6L'II~~ .lhl_CI IG~-CY, ~CL' A~.LICAl Ch .L;I ~I FILIC C~ pt,l"Aa.IC. >1 "I_ I"I~r~ (leI CAYS CF ~~L' "'I-IC-'o" .IIII'G. IT 1\ E'I"E.~L~ I.PC~I'-I I.AI ~C~ ;ILI ~~U. AP.ljCAIIC' "C.PIL~, J; ~.L '.C 'U.l Ie, CP IF yeL [,C her FeLlC. Cl. R "I FI."CI hI F.-f. Ih r.1I l!IIE', Fe'EeLCI'," .AY P.CCHC AGAlhll ~CL. "~.l IfillflI€';UHLl. &VlILj~LE c~~O~ rc~ E~E.Cf~C~ ~C~':&;i '~SIS"~CE .~e ~t~l lt~I'EC. r..tV' ..1L.1. ~~ :l~:I.'SEC ~y TIooE "\.t~(t ....'.;f.lil ''''E tLlGC:!llIlY C"tTE-I.I L,..r"t:Ll~,.EC ~, J..e ACl. II II EAI'E"IL~ ("PC'Ilh' I.AT ,[~, 'PPLICAIIC' II OCCL'ITI A'C l_~~L.t'( 1\ E~EWY ~ESFfC'. T~t rl'.~~Y~~.I~I' ~CL51~G Fr~'~CE A~E~C' .~~Llcitl~_. (Oel.I~~~l'ilCAc~t'\C~Al :\~.(!C~C '~~!~L~!u.~!'i~~~~cl~~! ..rl.\. ::E ';\""Sl..EC ,GIYPIoST yel h "':'.. ~Ht 'Of' t..f ,life liIE'UI~E"'~"TS ~tf fc.r,.. J...c..e. lCI. _ILL J€ ~CT[~!~.. : r..EClLY by 'toe H~""('t (F tf5 _::'I:dCf, do '...1..1( 'FPLI<'I'IC~ root ~t~I,)'~~'~I' ~CI..Sl~G Ft~.~t~ :((\(Y IS L~c'r(C ~'~ICl ~C:T~ '::"i..""r SJ;;H.r. ~':H CfFlCt !:~A ;:~ i, ...:....LieI,.R~. PEhhHI..'f.u~ , 11l":~. ~E~~~~~-~;~~.!'~,llll'.~i6i(~CE,~': !~(:1'1~~ii2~!1\4S~L F.EI 'c.,,;,. t", a 7' I r : ,-:'" v':L. ~ '" .. ~'E t y "I,,"'" i:l', '~I' .~dl I' .. '-'I.. ft. . ~"" "'''z ~ -I; A", It hI'" ~ ,..., VI..I.. ~... ,.. lyE '~~..5t 'l tAt'C(~t V~LQ -l 'J: r:;~,I..':~~': \.,~r::' ,,"fLt Y~I,. Vii_ If '1o\J1.. If YC:l." 5. ~'~i.~!l"t~.~ cru~5EL~Q .:q~Ad L." 'C.H'(I~"":h ".. '. ~ . ~. . . f: C t r :. . ~ ; lo l. ~ ~ .. ,.. ....f ~':l:' " .....h'l I'"n d'. [ ". ,l..f. '," ~~c~ '~fS Le~CE' ~\Ct~ l~efll~~I~C'ef'~'hl'&t,!< -'fA I.''''. "'O.hHf JF 'fl.t. , '''IS "'O::'ICt. "":1. CA~.f,':' ~.I' "5S t 5l.1~'e, "'C I "'jf,-,CC~ -' ....' ,/" l.lo.t. J -: ,.:c. J'i.." . ~C t,;, ~:'l.~..t.\.,: ,.,....r..;.Av~ C:';;. '" ~"~.i: .. . ~ ~ i':. '.;..... 1~1. "Jlll~cr,~.:. ra j~;~~.~~... , , " , (~ " i Q\ ;.:: ..:J ..". 1 M ~~ ~, - .- :;)~. ~", a.- N .", r;" '1 u- - '~m II' t.'" " ~ ~ "'" u. "" ' , 0 (1\ " .' I " , SHAPIRO AND KREISMAN BY: NANCY A. WORTH, ESQUIRE AND CHERYL L. VILLAUME, ESQUIRE ATTORNEY 1.0. NO. 50596 AND 70044 SOUTHPOINT OFFICE COMPLEiX 1160 WEST SWEDES FORD ROAD, SUITE 350 BERWYN, PA 19312 TELEPHONE (610) 695.9240 S .. K FILE NO. 96-9427 Barnett Mortgaga Co. C/O BancPlus Mortgage Corp. 9601 McAllister Freeway P.O. Box 47824 San Antonio, TX 78216-4605 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: qio - ~1&7. a~ ~~lL Barry K. Stableln 224 Brian Road Enola. PA 17025 DEFENDANT(S) " ., , " : ... - - . ; ~.j ~'.,) -- , ,;t.' .- - ~ , , -., "q ~ ~ ":0 , '; "~I ..... " .. """,I ,,~. .-.1 ,,:: ", VI. COMPLAINT. CIVIL ACTION MORTGAGE FORECLOSURE NOTICE YOU HAVE IUN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOUOWINO PAGES. YOU MUST TAKE ACTION WITHIN TWENTY 1201 DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRmEN APl'EARANCl I'ERSONALL V OR IV AnORNlY AND FlUNG IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIM' SET FORTH AGAINIT YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAV PIlOCUD WITHOVT VOU AND A JUDGMENT MAY IllIENTERED AGAINST YOU BY THE COURT WITHOUT FURT"R NOTICI FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHIl!R CLAIM 011 RII.lIP RlQUlmD IVT.. PLAINTIFF. YOU MAY LOse MONEY OR PROPERTV OR OTHER RIOKYS IMPORTANT TO VOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT OIllCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHIRE VOU CAN GET ~GAL HELP. COURT ADMINISTRATOR 4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE CARLISLE. PA 17013 TAUE COPY FROM RECORD 17171 240-1200 lit TlItImony whel1Ol. Iller. unto set my hIIld IIld t sea 01 51 id at CarliSle, PI. T ., d ISj:L. SHAPIRO AND KREISMAN BV: NANCV A. WORTH, ESQuiRE AND CHERVL L. VILLAUME, ESQUIRE ATTORNEV 1.0, NO. 50598 AND 70044 SOUTHPOINT OFFICE COMPLEX 1180 WEST SWEDESFORD ROAD, SUITE 350 BERWYN, PA 19312 TELEPHONE (8101 895-9240 S 1& K FILE NO. 98.9427 Barnett Mortglge Co. C/O BencPlul MortSllg. Corp. 9801 McAllllter Freewey P,O. Box 47524 San Antonio. TX 78216.4605 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: vs. Barry K. Stebleln 224 Brien Roed Enola, PA 17025 DEFENDANT(SI Plllntlff, Blrnett Mortglge Co" the eddrell of which II C/O BencPlus Mortgage Corp.. 9801 McAllister Freeway. P.O. 60x 47524, San Antonio, TX 78216-4605, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Partlss 10 MortoaQs: Mortoeose: Broadvlew Mortgage Company Mortoeoorlsl: Barry K. Stableln (bl Oats of MortosQs: September 25, 1989 " (0) PIR~8 Ind DAte of Record of Morto80e: Recorder of Deeds CUMBERLAND County Mortgege Book 963, pege 513 Dltl: September 26, 1989 Th. Mortgage Is matter of public record and Is Incorporated herein as provided by Pa. R.C.P. 1019('1). A true and correct copy of said Mortgage Is attached hereto as Exhibit. A. and Incorporated herein by reference. (dl Asslanments: Assignor: Broedvlew Mortgege Company ASlllgnee:Flrst Netlonal Benk Date of Assignment: October 16, 1991 Recording Date: October 29, 1991 Book: 406 Page: 657 Assignor: First Netlonal Benk Assignee: BancPlus Mortgage Corp. Date of Assignment: September 1, 1992 Recording Date: Nrvember 30, 1992 Book: 432 Page: 341 Assignor: BencPlus Mortgage Corp. Assignee: Bernett Mol'tgege Co. Date of Assignment: As recorded Date Assignment recorded: As recorded Book: As recorded Pege: As recorded 2, Plaintiff Is, therefore, either the original Mortgagee namadln the Mortgage, the legal successor In Interest to the original Mortgagee, or Is the present holder of the mortgage by virtue of the ebove-descrlbed Asslgnment!a). 3. Each Mortgagor named In paragraph 1 executed e Note as evidence of the debt sacured by the Mortgage. 4, The real property which Is subject to the Mortgege Is generally known es 612 York Circle. Mechanlcsburg, PA 17025 end Is more specifically described as: ALL THAT CERTAIN lot or tract of lend situate In the Borough of Mechanlcsburg, County of Cumberland and State of Pennsylvania, more particularly bounded and described as follows: BEGINNING at a point on the eastern side of York Street Circle, which point Is at the line dividing Lots No. 20 and 21 on the hereinafter mentioned Plan of Lots: THENCE along the same, South 89 degrees 39 minutes East, 120 feet to a point on the line of Lot No. 19: THENCE along the line dividing Lot No. 20 from Lots Nos. 19 end 0 on said Plan, South 00 degrees 21 minutes West, 65 faet to the line dividing Lots Nos. 21 and 22: THENCE along the same, North 89 degrees 39 minutes West, 120 feet to the Eastern line of York Street Circle: THENCE along the same, North 00 degrees 21 minutes East, 65 faet to the point of BEGINNING. BEING Lot No. 21, Block J, on the Plan of Wynnewood Park, as recorded In the Cumbarland County Recorder's Office, In Plan Book 23, Page 175. BEING KNOWN AS 612 York Street Circle. UNDER AND SUBJECT to e 26 feet wide building set. back line from York Street Clrcl.. UNDER AND SUBJECT to a 10 feet wide sewer ea.ament of the Ea.tern portion of the pr.ml.... UNDER AND SUBJECT Nevertheless to ea.ements, re.trlctlons, reservations, conditions and rights fo way of record. BEING the sam. pr.ml..s which Russell E. Cook and Suzenne M. Cook granted and convey.d unto Barry K. Stableln by Deed dated September 25, 1989 and recorded In the Office of the Recorder of Deeds for CUMBERLAND County on September 26, 1989 In Deed Book E 34, Page 579. 6. The Nam. end mailing addrllss of each Defendant Is: 8arry K. Stableln, 224 Brien Road, Enola, PA 17025. 6. The Interest of each Individual Defendant Is as Mortgagor, Real Owner, or both. 7. The Mortgage Is In default because the monthly Installments of principal and Interest and other charges stated below, all alii authorized by the Mortgage, are due es of November 1, , 995 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically Itemized below are Immadlately due and payable. 8. The fOllowing amounts are due as of MAY 16, 1996: .Prlnclpal of Mortgage Debt due and unpaid $72.626.55 Interest currently due and owing at 9.875% per annum calculated from OCTOBER 1, 1995 at $19.65 8ach day Lete Charge of $33.00 per month ...e.sed on the 16th of each month $4.480.20 $297.00 $1499.631 Escrow Balance (Credit to Defendant! Attorney's Fees $3.000.00 TOTAL .ZL-.a 9. Interest accrues at a per dlam rate of $19.65 for each day after MAY 16, 1996 that the debt remains unpaid, and Plaintiff may Incur addltlonalattorneYll fees, a. well as other expenses, costs and charges collectible under the Note and Mortgage. \~,' 1,- ~l.' 1.0" III, No ,j(,j CK>G~ 30 '7 .' , .II.' . '~'l"lf.i'I\i"i;:'~":, '~~:f.!;;";;'~.:;t::, ,: :.lAl ...'-'....,..~-4:,tr#~I....~~ . II.....,........~..-r-~ \, ..._...,'..:...,' ......l:t';......~.r..,. '44'.' 'E3 Set' l ~ 0" 25 ./ '............"..'.~,,..'..IIII._.,I'.O.'., MORTGAGE THIS MO~TGAGEiSocu'rIy In""m'nI'PI g..n on SEPTE~BER 25TH IV 89 Th,mMg.gor.. BARRY K, STABLE IN, UNMARRIED rSOUOYlo,r-1 Thll Socur"Y InWumenll. Of;ln to BRDADV I EW MORTGAGE COMPANY . ~nlC"" orgln".. 'nd ,..,,'ng undtt Ih. ""'01 OHIO .'nd~no...ddlt.... 965 HIGH STREET, COLUMBUS. OHIO 4l0B5 illncl.r'! Bor,owtfownL,nalrthlPrlMCI0I.1SUmof SEVENTY.SIX THOUSAND DOLLARS ..u................... ................... ........ OCUlr1 \U S I 7&000.00 ) nUl cabll' I>JId.nced by Bouollw'''' nOli dll9cllh, 101m. dill 111"111 Slcur;ll Inllrument ,'Not,'). whiCh pro..Id" 101 monthly Plymtnll, with In, lull debl. If nOl paid ,,"llt, dUI ,nd paYAblt on OCTOBER 1, 2019 Th" Stcur"y lnlltum,nl Stcur.1I10 Lendt' (1/11'1' repaymtnl of Iht atblevldtneed bylht Nott. WI!h 1I'l1".It. and III renewall. tlC1tnllonl and ITlOdlfleallOMll. (b) Ii'll PlVfTltnl 01 all ()(her lums, Wllh Inl'rlll. advaneld Uncl,r peregrapn 710 ptOlId tn, lecuntV of U'n, SecUltty 1t'lIlrUJT'IlInl and (el 11'1, p,rtorlNnc:e 01 Borrower I cO'ltnanls ana loreemenll under 1"1$ Securltyl"Ilrumenl and tnt NOli 'O( Ihtl purpose. Barlower ClOtS n,r'by mOnQlOI, oral'll and 1;0""'y 10 1.lnder I", toltowlnG described prOP'"Y local"''' CUMBERl^ND Counly, Ponn.~'on.. sa EXHIBIT "A" A'l'l'AaIlD Pltnnlvtv."la 17055 l1ip~., tSIt..., (.property _deSr",.). MfCHANICSBURG ''''''' ~hldllll, Iholdd".. 01 612 YORK CIRCLE TOGETHER WITH all tl'1ll1Tlprovemenl, now or horealter ereclt<:! on It'le prOPll'ly. and alt easemenls. righlS apPLJ"'r"8"CI "nlsroyalllel. mlrIJr31. 011 ana OU fIO~IS arod profllS, .....al" flghlS and sloCk Ir'ICI aU t,xll..lrlf' I'\Ch or hereatter I pal'l oHI'l' prop. Iy All replacemenls and additions ,hall also be covered by lhll Secl.lrlly In'lrument All 0111'1, 10"QOlno IS r,t,ulOlD in Il'1is StcUrily I""rum,nllllh, .PrOP'"Y.. BOA~OWeR COVENANTS lhal Borrower II law1uny S-tl!ied 01 Ihe ISlalt "'''bV conveyed and 1'111I11'1, ngl'lt to monO_ot. gfanl ard conv,y 11'1, Proptny and Ihat Ihe Pror-eny 10 ungncumbered IlCc,pllor ,ncumbrlnt:II 01 record Borrow,r warran" and wllI d,fend Qenerally tho tlUe to the P/OPi"~ agBlnsl all claims and d'rTIIl"IOS. lutJlKt 10 any Incumbrances 01 record THIS SECl.,JPITY INSTRUMENT comblr,., uniform covenants 10f naliOnal uGI and non'un~o'm CO~lnanlS .....Ith IImlled ~8rl811ons by jUII!l.dlCllon 10 conSlllIle a unllorm secur.l, .r.suum.n1 covetln~ real prOPln.,. ',G! :.J:J:J tla :JI,} ACCOUNT .: 10\619 " '--. 1:I:I\,I\1:"'II'A-;'" ..~ ~. ,_ ,,,",p, ~Ioo' ....... ... 1:('"" ....0::,.", .U':"'" ,...,,,, ''''0 "It, ---..... ....'fl.~n \'"7"'\\A" ~...., ~ ~ , -, ~, - , ;',. '~.' '. ..." .. .""~' _. ~'""~. , ....... '.', ill ~r;. .. _lL'l- . . nlw 1,.\1",,1 , . ". 'IJ.,\,J,~ IENANTS. Borrower _nd ~andar, ananland agr88 II follows: Prlnc'~ ., and Inlarlll; Prapaymenlend La.. Charge. Ilarrower Ihall prompUy Pey when due nlartl the deblevldenclld by Ihe NOle and 3ny pr menlal1d lala chlrgea due und., \he NOle, axea and Inlurance. SublecllO applicable law ~lqJ. w!.!!!~~. by l.e_~.!lJ BorrSJWer,lhIIl pay I monthly paymenls are due under Ihe Nole, W1l1"" 'NQiiJli jlild 111 fl,iIr,"''Iln ('Fuilda1 aqUaI \0 l8~y tax.. and assessments which may attain prlorliy ~r thta Securtly IntlIUmenl; (b) y..~y or ground rents on the Property, H any; (c) yea~y haulrd Inlurance premiums; and (d) yea~y premiums, H any These ~ems are called 'escrow ~ems,' ~ender may estlmale Iha Funds due on the , end reasonable estlmeles of Mure escrow ~ems. I be held In an Inst~Ulion the deposits or accounts 01 whlCI\ are Insured or guaranleed by a federal or ing ~ender ~ ~ender IS such an Instrtutlon). ~ender shall apply the Funds to pay the escrow Items, 'ge for holding and applying the Funds, analyzing the accounl or VIlifying tha escrow ~en\s, unlass ar Interest on the Funds and applicable law perm lIs Lender to make such a charge, Borrower and I wr~lng thallnlerest shall be paid on the Funds.Unless an agreemenlls made or applicable law Ie paid, ~erider shall not be required 10 pay Borrower any Interest or earnings on the Funds, ~ender ar, w~hoUl cherge, an annual accounting of the Funds showing credits and deblls to Ihe Funds and the ach debit 10 the Funds was made The Funds are pledged as add,lIonal securlly for Ihe sums secured t lent. f the Funds held by Lender. togelher with tha fulure monthly payments of Funds payable pr!or to escrow ~ems, shall exceed the amount reqUIred 10 pay Ihe escrow 'terns when dUEt, Ihe excess shall t I, eilher promplly repaid to Borrower or credited 10 Borrower on monthly payments 01 Funds. If the i held by Lender IS not suHlclent to pay Ihe escrow ilems when due, BOI'rower shall pay to ~endar any J make up Ihe delicl8ncy In one or more payments as requlled by Lender. In full of all sums secured by thiS Secullty Instrument, Lender snail promptly refund 10 Borrower ender, If under paragraph 19 Ihe Property is sold or or acqUired by Lender, ~ender shall apply, no late lor 10 Ihe sale of Ihe Properly or ~s acqulsrtlon by ~ender. any Funds held by ~ender allhe time of jrt agalnsl the sums secured by Ihls Securlly Inslrument. of Paymenll. Unless applicable law provides olherwlse, all paymenls racelvlld by ~ender under shill be applied: first, to lale charges due under the Nole; secor.d, 10 prepaymenl charges due under II Inls payable under paragraph 2; fourlh, to Inleresl due; and last, to principal due. ena. Borrower shall pay alllaxes, assessmerls, charges, fines and Impositions attributable to Ihe aneln prlorrty over Ihls Secullly Instrumenl, and leasehold payments or ground renls. II any, hese obllgallons In the manner provided in paragraph 2, or H not paid In Ihal manner, Borrower shall reclly to Ihe person who owed payment. Borrower shall promptly furnish 10 ~ender all nollces of amou I paragraph, If Borrower makes Ihese payments directly, Borrower shall promptly furnish 10 ~ender Ihe payments. promptly discharge any lien which hes pllorily over Ihls Secul/ty inSlrument unless Borrower; (a) he payment 01 the obligation secured by the lien In a mann,,' acceptable to ~ender; (b) contests In goe efends against enforcement of Ihe I,en ,n, legal proceedings which 'n the Lender's opinion operate to -nenl of the lien or forleilure of any pari of Ihe Properly; or (c) secures from the holder of the lien an Jry to ~ender suboro,natlng Ihe lien to tnis Secullly Instrument If Lender determines lhat any pari of lCIIO a lien which may attain ~I/Orlly over this Secullly Instrument, Lender may give Borrower a lllen. Borrower shall satiSfy the lien or take one or more of the act,ons set fOrlh above within 10 days e, Il8nc., Borrower shall keep the improvements now exisling or hereafter erected on the Properly by flra, hazards Included wllhln the term "extended coverage" and any olher hazards for which ~endel This Insurance shall be maln'ained In Iho amounts and for the periods thaI ~ender requires, Tha )vldlng the Insurance shall be chosen by Borrower subjeCllo Lender's approval which shall nOI be ~d, )/Icles and renewals shall be acceplable to Lender and shall Include a standard mortgage clausa, a rlghl to hold the policies and renewals. If Lender requires, Borrower shall promptly give 10 ~ender remlums and renewal nOllces In lhe evenl of loss, Borrower shall glV~ prompt notice 10 Ihe Insurance .ender may make proof of loss If nOI made promplly by Borrower and Borrower other..'"'' agree in Willing, Insurance proceeds shall be applied to reslorallon or replllr aged, Illhe resloralion or repair is economically feasible and Lender's securily Is nOllessened. If Ihe Is nOI economically feaSible or Lenders secul/ty would be lessened, the insurance proceeds shall be secured by Ihls Secullty Instrument, whether or 110t then due, With any excess paid to Borrowl/r, " . the Properly, or does nol answer within 30 days a nOllce from Lender that the Insurance carrier has aim. Ihen ~ender may colleCtlhe insurance proceeds Lender may use the proceeds to repair or reStor lY sums secured by thIS Secul/ly Instrument, whether or not then due, The 30-day period will begin IVen. and Borrower othervl!se agree In wl/ting, any application of proceeds to principal shall nOI extend or .; ~ lUNT.: 205619 .... lid me geInsUl'lneeas a cond~lon of making Ihelc ecullld by Ihla Securny Inallumenl, ,e p,emlums lequlred 10 malnlaln Ihe Insula lIce In. eNl!" '19111 ~u~~ lI'11e 8Ilhe requlremenl for Ihe .In eccordance Wllh Borrower's and Lender'a ~:igrMmenI OIa~l!Iw, . '. Lender or ns agenl may make reasonabl<J enll" upon end InspecIIona oIllIe PIOperty. Lender \ollee allhe lime 01 or prior to en Inspection specifying realo/llble Quae 101 Ihl Inlpeellon Ion. The ploceeds of any eward or claim lor damages, dllect or connquenllal, In connection wllh ,r olher liking 01 Iny parl 01 the PrOp.!rlY, or lor conveyance In lieu of condlm/llllon, are hl/lby I paid 10 Lender Ilolalta'lng of the Property, the proceoas shall be applied to Ihe sums secured by Ihll Secullly or nollhan due, wllh any excess paid 10 Bmrower In Ihe event 01 a parllallaklng 01 thl Properly, I Lender olherwll8agree In wrRlng, Ihe sums secured by thIS Security Instrument ShIll be reduced I:y oceeds mUlllp"ed by the lollowlng fraction' (a) Ihe lotalamounl ollhe sums secured Immedltlely tided by (b) Ihe fair markel value 01 the Properly Immedlalely before Ihe laking Any ballnce Ihtll be \ s abandoned by Borrower. or II, aher nollce by Lender 10 Borrower Ihal the condemnor oHl/s to lllle a claim lor damages, Borrower lalls 10 respond 10 Lendel w'lhln 3U days aher Ihe dalelhl nOllce 's 10rlzed to collecl and apply Ihe proceeds, allts option, either to reslorallon 01 repall of Ihe Prop~rly 01 by Ihls Securlly Instrument, whelher or nOllhen due Ind Borrower olherwlse agree In wrlllng, eny appllcallon of proceeds 10 prlnc'pal shall nOI IMlInd or lie 01 Ihe monlhly paymenls relerred 10 In paragraphs I and 2 or changelhe amount of auch paymenlS 'l01 Relelled: FOlbearencl by LInder Not I Waiver. ExlenSlon of Ihe Ilnle lor paymenl or rtlzation of the sums secured by thIS Security Inwument granled by Lender to any successor In shall not operate 10 release Ihe liabllily of lhe original Borrower or Borrower'l succellore In Interlll 'equlred 10 commence proceedings against any successor In Inlere51 or refuse 10 exlend lime 'or .e modify emOrllzellon 01 the sums secured by lhlS Security Inltrument by reason or any d8lnand mad. lWeI or Borrower's successors In Inll/esl Any forbearance by Lender In eMl/clSlng any light or remedy . 01 or pleclude the exelclse of any right or remedy. re and Assign a Bound: Jolnland Saveral Llablllly: Co'algners. Thl covenanlland agreemlnll 01 lanl shall bind and benef~ the SucClSsors and assignl 01 Lander and Borrower, lublacllo Ih. prC)\lISlon '/lowar's covenants and egreements shell be jolnl and several. Any Borrower wll0 co. signs IhlS SecuIII ,nOlexecute Iha Nole (a) IS co. signing Ihls Security Inwumenl only III mOrlgagl, granlllnd convlY '"I In the Property under the lerms 01 this Securlly Inslrumanl: (b) Is nOI perlonally obllglled 10 pay / Ihls Secur~y InSlrumenl: and (c) agreeathal Lender and any other BOllower may agrello extend, lake any accomodatlons wllh regard 10 the telms of Ihis Secullty Instrumenl or Ihe NQI. wnholJl senl. g... If the loan secured by Ihls Securily Instrumenlis subleClto a law which sets maMlmurn loan N Is finally Inlerpreled so /hat the Interest or olhelloon chalges collected or 10 be collecled In loan exceed Ihe permitted limits, Ihen' (a) any such loan charge shall be redUCed by Ih. amounl ,the char~e 10 Ihe permitted limll: and (b) any sums already collected from Borrower which eMcolldll<l Je refunded 10 Borrower Lender may chOose 10 ma.e Ihls refund by reducing Ihe pllnClpel owe<l I making a direct payment to Borrowel II a refund reduces plll1c'pal, Ihe reducllon Will be "eatijd at e vllholJl any prepayme", charge under the Note 'Meellng Llnder'a Rights, II enactmenl or expl/atlon of applicable laws has the eHect 01 lion oIlhe NOla OllhlS Securlly Instrumenl unenlorceabll according 10 lIS lerms, Linder, al III option. lla paymenlln full of all sums ncured by thiS Secullly Instrument and may Invokalny rImed liS aph 19. If Lender exercises this option, Lender shall lake the steps speCified In thl second paregraph 0' 'Y notice to Borrower prC'Jlded tor 'n th,s Secullly Instrument shall be given by <lellvellng II or by is mall unless applicable law reQul/es "SO of anolher method The nOli CO shall be dl/eclld 10 Iha any olher address Borro",er deslgnales by nOllce 10 Lender Any nellcO 10 Lendor shall be IlI"n by \del's address stated hareln or any olher address Lendar des'gnales by nOllce 10 Borrower Any notlC, lecullty Inslrumenl shall bo deemed 10 have been g,ven to Borrower or Lender when Illven as prollOtt .,.- I Law: S,vlllblllly, This Secullly Inslrumenl shall be governed by lederallaw and Ih.law of Iha Ihe Propeny Is localed. In Ihe e'lel11lhat any prOViSion or Clause of thiS SeclJr:ly Inslrumonl Ollh. Ippllcable law, such contllcl shall nOI aHecl olhar provisions of Ihls Secullly Inslrumenl or Ih. NOlI eHecI wllhoulthe conflicting prOViSion To Ih,s end Ihe prOVISions of this Secullly Instrumen! and Ihe } be severable. S Copy, Borrower shall be gIVen one conlormed copy of the Nole and of Ihls Securlly Inwumanl I Ihe Properly or a Ben.f1clelIntereslIn Borrower If all or any parl of ilIa Properly or any &s Mllr1g. Corp, I -'!!l1' :::i-' ,'"',.,.. _.~~ .,a ~'''H1J..,.U:J:;;'''j''' . ..'.... "t"': .-......;.1. '.1. ..1:.".~_;t"~I.~~r?::..~.~.,1' ,_..:..' . .'~;.S". J...,....l", ll. 1 qlfe l a",., ~ r :'c.l..i i', ~.. .~.. 1:'; ~1" ..:;. . r. ll~CI'~:\~ ", "" ',.H" I:I~.I~C ~~C!:~I'" 'c.CjH:S~1 ,1 ~ t":~,... C t c. ~~C~.~ICS6~~G~' llel- 'cr ,1 'CIICe ,..~ ~~~~~~~~~~r~ (F ~t~~!'L~'~lil~ MC~e~~hE"~' '~E~Ct~CY ~:~fC~~: ,!q'/,.,C' O'-t". .'r.F I'" IC "~lO 'Cl ",. '"!~ 'CIIC' "L . ;; 1,1;1," F;" 'I,~ Il' '!~l T"C, ~.l'" ~" 1'\ ,.~.'.c., Jo.;;;;w ~~:~..I....S\":O~ .l."t... ~il..g ,~... ""ICE 'y u.oe ".;"G'~E j)u"elt c t-- '-I. ',i~~ ~~;~ l~Fc~w,rl:h. '"ll '~e ~E~~5YL~'~11 ~~~~l~G Fl~'~~! .~~~~, U ~(cC",)l",-~l'n. F';,i ~':''''I St. L."'Cl..&C~ ~p~.UI"G ~'i.l;5':"'S ~, '~"FIC'Cl~~" 'C~~"~l EJ:E ~~H' J~Dc"",CIA. P~E5 A'Ecrl 1~ .fq.I."'1. A C:\TI'i..'iii "'_ E"~(.C t"" Sll ..'~A. H ..-: CC"~'E"'C~ ~L. ,;,r<'I~C :, ,sr, 'lIIFIC~CIC' taIE'C~ ~-, !~~C~CiIC' '."Eet~~~.t.ri ~.......~ ,HA ACt" A l;,,"STl"'IA "C~I "i F _I,C AC' ,I .1' CUI S , M.."EkC ,.. f\' IC""AiCC Aa.-IB.. ~ ( Ell. ,~, fl. ~-E%l..c ~t. il F.C"~I.A llA.ACC '.C.E~.-~ sl E.fb l_lv .CFIC'~, ~~~I~"'CE O'QCA'.' 'l e'l' OlECE SAlY'. Il C'S~ CE l' PE.CI~A C~L we=t~~C j qeclwl~ S~ ~IPC E(&. - -'--..- ~ e,.. C..IIC"e" TC. ." 'E ElI,lblE FeA F)""I', A~~I~'A'te ,.." .Ill F~f~E_' FC-e- C\.~:ilJ"~ ..'" 'I'..",1e "'CArc&",E IF 'f..t... '..."'PLY "I" IolE PACvlS C~S (,~ r~t .;"e:.'eFI' ,.E'CE'tT .~.'C'GE '\I)~"'\E It I :. ljel 1'''~ "C'.', :I",,,tl' .i\ 1~1~1/)1.~~~A.!eC~~~~~~(I,.~?;Fr.~~;~,,,Ai~t ',~~\"Jlt,';~: '" ';~ j N':"~C./lelr' ;:l~CS)lEIr,.T..,: JE~~" "I.i Y~I,;" fllC~'~AC;r= oU"EI\ S. .\..... !'\',.I~t,':'~'"c~!7l2 F~k!i~~l~lIZ,,:Ei~!,:,;E~llt ~~l'E~II=\i ,!Ilcl:i 1 ,..~r~I~~ Ah ClP~Ah'.IC~ tF .C~~ -IG" 5. ~,~., '"~ t~'J ';~ A'E I"ll"]" ,: ",.,C"" Ii A' ~F F~.!C~C'l" ~~.1~~',:.7 I'!~f ; ~ !~!; h.i~,,":~~ ~~~f'C'~E.~:~ .,>:.I~ ~ ~~)\ht; "t'''' '''~~'E t"ra lV€ CF fl11S LtJ'l.CE'-. > ,,"~ II ... SI~"'61E c:~ l,."~" ~:.=t!.t-l.t~!~l~~~A~~~~1'llA~:tc~Cj'~_(5fl"~~.r~I)11E~i~ll~~cJ!cl~I~!~r~~:. ,,.d~ /I'd: l~~ :.l.~' C,~\..w I...... ''''E '€.I "'[OlT'Y lc C&~\. ~~ v:l. "rr~,~ 'FACe.r:-FHf "~i't.'t "I'" ''''ts LE'C\A. '=" "I'''. :..~l.,."~' '''Ft)r C:'fhSi.~I"'G AC~.,\,.'f 1:>:' [Flce (0, 'Ii S ,,~'(C , 'I: ""i' ":C CI'G '...'G'~e l,'",".!,._, ." "" FL'CE',. I. .,. II;) .~A"S ,,'~ fl-ot; :,r~ :~F r"l~ ",.~f!"~1 r...t '''WE. .C~;€~~ .l'~ rcLt~~C~: ~l.w~C~ Cf C~A PEP~ESE~r~rll~ I~: ~AhCPLI.S /I'(~r~~~( ,~.~ p. "1 'E' ."'i' ~'" "~Jt. I 1..>....~CIl ; IC.~l~..14C..:. T"'I~ . '~t:( "... I.~..,,;...(E.~ C,F c.~r' '..' ~~L,,~i;~ j'c.i~(~~~~...-"'", 'TT1\~~:4 ~.I"e...\.t..,: ../'Ir If,,(.t.':-'::. t "'H I..... :.....:;;.. T. L' :t vel... z.. rf' 1le...!. y"'.~ .:~'~l'li t~ t, yJ=il,.t..r ~EC!.." , L'.Jr.1L\....,..' ~ :r ~~ ~"'(.IO;"t.. A',,,, I...'.... .n .,,:'.d ~l,lrl It" ':"5. ; ,:'S,,"EA C~EOI' CI-~'!(ll'; "':" II II ';'LY 'ec .!I.' r .:'. ')"Cl.t..C &l;VlSE T'" '5 L:'~l~ . :~~ ~"!I..~C fr' """ =..,.,,:'.fl. r, .'. "€.I.l "<<.c.. ~:~ . l"l~:l r~" ',: CI.I: J . L.."; J ,... r .. c"; 1 ~ ~A~C~L~J "~~'~~fll( :~,~ ,. I I.. :C.. ./~.. 10 ~&~tlL"': ~:~ .~TC"lC, T. l~~e!.~'lJ "~'- "'",- EXHIBIT'\ P;" 5"KRIVV'~ RKTURN - NOT FOUND CA~K NUl 1~~~-02~~1 P Cl)1l1l0NW~;AI.TH rJ~' r.~:NN5YLVANIAI COUNTY I)F CUIlIl~:R .AND IlARN~:T'f 1l0~TI3Af3~; ClJ VS. :>,rAIl',~:JN Il"RRY 1<. _R. ._.J'aQJ1l~~_~..J,tm'... . .. ........ Sh.riff, who to l.w. ..y., th.t h. m.d. . dilig.nt s.arch n.m.d def.nd.nt, to wit I STABI.~;IN BARRY K but v.. un.bl. to locate H1m-- in hi. bailiwick. being duly .worn .ccording and inquiry for th. within H. therefore r.turns the COIlPl.AINT - IlURT ~'OR~: NpT J"!.l.UND J ... to th. wi thin namlld defendant l:lUIlJ..KULIlMJRY J( D~:.fT. IlQYF,P.AtiP L~;fT NO ~'lJRWARDINr, ADDRE;SS WITH 'ru~; !?"I~!'.B~.:';BIJRr, pus'r Un'[CE. Shariff's Costs I Dockoting Sarv'\.ce Affidavit Surch.rg. So answers I 18.00 1:3.02 .00 " 2.00 u. Thom.. 1\1.1ne, l:iher1f:t Ci33.lDZ S"APIRCI ANn KREJSIlAN 11 / 1:5/199() Svorn and subscrib.d to befora me this I~tr:::..rlayof 'r4.,........{ 19 q(", A.D. -Q-r Q ~W{t. ~. Prothono ary SHAPIRO AND KREISMAN BY: NANCY A. WORTH, ESQUIRE AND CHERYL L. VILLAUME, ESQUIRE ATTORNEY 1.0. NO, 50596 AND 70044 SOUTHPOINT OFFICE COMPLEX 1160 WEST SWEDESFORD ROAD. SUITE 360 BERWYN, PA 19312 TELEPHONE 16101 695-9240 S & K FILE NO. 96.9427 Barnett Mortgage Co. C/O BancPlus Mortgege Corp. 9601 McAllister Freeway P.O. Box 47524 San Antonio, TX 78216-4605 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: q~ - .)'1 &. 7 (j~ t~~,t. Barry K. Stableln 224 Brian Road Enola. PA 17025 DEFENDANTISI . . : . .-. ,- , ., , , ~ " , t.;': ," ,. ,- -,.J ~. . -::3 '" '::;';; . ..... " c, -, - ,;.:: ..: -. VS. COMPLAINT. CIVIL ACTION MORTGAGE FORECLOSURE NOTICE YOU HAVE BEEN SUED IN COURT, IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOUOWING PAGES. YOU MUST TAKE ACTION WITHIN TWENTY 1201 DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED. BY ENTERING A WRmEN APPEARANCE PERSONALLY OR BY ATTORNEY AND flUNG IN WRlflNG WlfH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCUD wrrHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR 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 TELfPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LfGAL HELP. COURT ADMINISTRATOR 4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE CARLlSLf, PI. 17013 TRUE COPY FROM RECORD .7171 24H200 'n Testimony whereof. I lIefe unlo set my haAd ancllh I of r..a our! al Carlisle. ~ Th :+(, cia fllH 19~ PI' ry .~ ').^' C,lrr ' f o.\S f\r,'\U,)J' j L:' , 1"~."(," (1~~.. /J:I:~1~jtf~l~ ~A.jlLfJl;~~.'" '.. " , , , ' " I , " " ' . " , , , " " , , , I:' , , ~ (dl Asslljlnments: Assignor: Broadvlew Mortgege Company Alllgnee:Flrst National Bank Dete of Alslgnment: October 16, 1991 Recording Dete: October 29, 1991 Book: 406 Pege: 657 Alllgnor: First National Bank AI.lgnee: BencPlus Mortgage Corp, Dete of ASllgnment: September 1, 1992 Recording Date: November 30. 1992 Book: 432 Page: 341 AI.lgnor: BancPlus Mortgage Corp. Assignee: Barnett Mortgage Co. Date of ASllgnment: As recorded Dete Assignment recorded: As recorded Book: AI recorded pege: As recorded 2. Plaintiff Is, therefore, either the original Mortgegee nemed In the Mortgage, the legal successor In Interest to the original Mortgagee, or Is the present holder of the mortgege by virtue of the above-described Asslgnment(s). 3. Each Mortgegor named In peragraph 1 executed a Note as evidence of the debt secured by the Mortgage. 4. The real property which Is subject to the Mortgage Is generally known as 612 York Circle, Mechanlcsburg, PA 17025 and Is more specifically described as: ALL THAT CERTAIN lot or tract of land situate In the Borough of Mechanlcsburg, County of Cumberland and State of Pennsylvania, more particularly bounded and described as follows: BEGINNING at a point on tha eastern side of York Street Circle, which point Is et the line dividing Lots No. 20 and 21 on the hereinafter mentioned Plan of Lots; THENCE along the same, South 89 degrees 39 minutes East, 120 feet to a point on the line of Lot No. 19; THENCE along the line dividing Lot No. 20 from Lots Nos. 19 and 8 on said Plan, South 00 degrees 21 minutes West. 65 feet to the line dividing Lots Nos. 21 and 22; THENCE along the same, North 89 degrees 39 minutes West, 120 feet to the Eastern line 01 York Street Circle; THENCE along the same, North 00 degrees 21 minutes East, 65 faet to the point of BEGINNING. BEING Lot No. 21, Block J, on the Plan of Wynnewood Park, as recorded In the Cumberland County Recorder's Office, In Plan Book 23, Page 175. ," .1, BEING KNOWN AS 612 York Street Circle. UNDER AND SUBJECT to e 25 feet wide building set. back line from York Street Circle. UNDER AND SUBJECT to a 10 feet wide sewer easement of the Eastern portion of the premises. UNDER AND SUBJECT Nevertheless to easements, restrictions, reservations, conditions and rights fo way of record. BEING the same premises which Russell E. Cook and Suzanne M. Cook granted and conveyed unto Barry K. Stableln by Deed dated September 25, 1989 and recorded In the Office of the Recorder ot Deeds for CUMBERLAND County on September 26, 1989 In Deed Book E 34, pege 579. 5. The Na~e and mailing address ot each Defendant Is: Barry K. Stableln, 224 Brian Road, Enola, PA 17025. 6. The Interest of each Individual Defendant Is as Mortgagor, Reel Ownerl or both. 7. The Mortgage Is In default because the monthly Installments of prlnclpel and Interest and other charges stated below, all as authorized by the Mortgage, are due as of November 1. 1995 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges speclflcelly Itemized below are Immediately due and payable. The following amounts are due as of MAY 16, 1996: Principal of Mortgage Debt due and unpaid 8. $72.626.55 Interest currently due and owing at 9.875% per annum calculated from OCTOBER 1. 1995 at $19.65 each day Late Charge of $33.00 per month e88essed on the 16th of each month $4.480.20 Escrow Balance (Credit to Defendant) $297.00 ~1499.631 Attorney's Fftes $3.000.00 TOTAL .~ 9. Interest accrues at a per diem rate of $19.65 for each day after MAY 16, 1996 that the debt remains unpaid, and Plaintiff may Incur additional attorneys fees, as well as other expenses. costs and charges collectible under the Note and Mortgage. 10. 'rhe original principal balance of the Mortgage exceeds Fifty Thousand Dollars (.501000.00). Accordingly, Notice of Intention to Foreclose pursuant to 41 P.S. I 403 Is not required. 11. Notice pursuant to the Homeowners' Emergency Mortgage Asslstanca Act of 1983, 35 P.S. I 1680.402c, ~ ug., WIlS sent to each Individual Mortgagor by first-class mall. Copies of the Notice are attachad hereto as Exhibit "8". WHEREFORE, Plaintiff respectfully requests this Court to enter Judgment In Ram In favor of Plaintiff and egalnst Defendants In the amount set forth In paragraphs 8 and 9, together with Interest, attorneys fees and for other expenses, costs, and charges collectible under the Note end Mortgage end for the foreclosure and sale of tha mortgaged premises. SHAPIRO & KREISMAN Data: Mey 21, 1996 BY: ~ NANCY A. ORTH, ESQUIRE CHERYL L. VILLAUME, ESQUIRE Attorneys for Plaintiff . S & K File No. 96-9427 I /1'" /. \.....-, I,..... LId' tOil Iff, I~ J{" .. {):!t!,:;' i.O 7 ~- '1"::' '... "'~":'~"..'''i''~ . ,~";o~~,;'~-~.~!Jo:a""\'~'~~~t,;~..... ......, ,.,.lAt ......",....."""'..". ....'_"'~jl;:.:l."........~.............'..~. 1" . ',', .,r'". ." .~. ....t1.~. ('~l~."'" '.. .' 'En 1';- oJ ".. 2C ... 25 - ,,: ' ., II,t" ....... '''',.~,', 'II ilI._.,,,, a.'N MORTGAGE THIS MOATQAQErStcu,~y In"rum."," "Q"n on SEPTEMBER 25TH 18 19 ThtmonQ'Q"tI' IARRY K. STAILEIN. UNMARRIED rSOUo-A''') Thll Security In\!rum,nlll Ot/,n 10 IROAOV IEW MORTGAGE COMPANY ,..hlCh" OIQ.nlllCl.'" ''''lInQ u"'''ln.II.., 01 OHIO ."'..h"...dd'..'" 965 HIGH STREET. COLUMBUS, OHIO 43015 n."'''.' BOtrow.r~" I.lnd,r lh, prlnclOIllum 01 SEVENTV. SIX THOUSAND DOLLARS ...................... ........ ........... ......... Oollar, (U S. 1~OOO. 00 'Thl' d.blll .~Id.ncld by 8o(tQYItr'1 noe. dltt'd Ih, urn, dll, ISlh,. Slcyr:l, Inllrum,nl,.NOI"I. .,."ieh ptO'olCltllQl monlhlv Plvm,nll, Yl'lth lh.lull (Jib!, "nol paid ..111.,. du,and Plyabl' on OCTOBER 1, 2019 This SICU'"Y lnltru~nt ItcutlllCl ~Ind" (I' Ihl r,paymenl of 11'1, debl '~"'Incl'd by 11'1, Nol" VIollh Inl""t, and all "new"I, 'k1lnllonl and modlliceuons tb) 11'1, Plymtnl of III Oil'll' sums. wllh Inler"l. advllnctO url(Ier pt'lgrapt'l? to PfOltcl th, II\:U'lIy of Ih.s StcUflly Inllruf'llnl and (el 11'1, pt"ormanc. 01 Borro.",,, I COytt\lnlllf'ld to,umlnllundtr 11'11' Stcurlly lnllrumtnltnd lno NOli 'O( Ihls purpcll.e. BOff()illtt 00" hlreby mortgagl. o,ant Ind CO"....y 10 L.nd., Ihlloltowlng described property Ioc:IllClln CUMBERLANO County, PtM.~YI"" sa !lCHIIIT 'A' At'I'AOI!D lONcI\ ho.lh.Idd.... 01 612 YORK CIRCLE P'MlyiVlnll 17055 GjpCoall 111t"1I (.ProPI"Y "ddrl".l. MECHANICSIURG ICtvI TOGET~iEA '/,'ITH atl lhl Impro~'em,n" now 0' nerealt,r "'ClIO on Ihe proP.rty 'l'ld ,II ."emenll rlOhlS appu",nl"" '.nls. royaIU'. mlr'fral. Q~ lno OU r'Qhl'S Ind CIOIIII, ....lIer rlQhl\ and ,lOCk and 11I11)(1urll r'C,l, or h.,..rt.r, PI" at 11'1. prOP'_ Iy All "plaelm.nll and additions ,hili ,110 Of CO~trtd by 11'111 Secu'lty Inltrumlnl Allor Ii'll for,gOlng'I rel'HId 10 In Ihil Security lnllrum.nllll". 'Prop.""". BORROWE" COVENANTS INI Borro....., II lawfully Itilld 0111'11 1'1111 h,'tOy f;onvlytO.nd has Ii'll rlQht Ie mono.g.. grlnl.nd con.",y Ii'll Proptrty Ind Ihalltl. Property I' un,ncumb.rtd '''C,pl 'or Incumbrar'lCII 01 ff'C'Drd Sorrower warrlnll.nd will dll,ncl gonlrllly Ih.Mlf 10 lhl P'Op,rt~ lOftini'll all cla\mllnd d.mands. 'utllt,t 10 eny 'ncumbr.nctS 01 r'CO/d THIS SECURIT'V INSTRUMENT comCIr','S unllorm ca~.n.nl" lor nallonll UII'nd non.ur,,torm CO"ll'IInll 'Nllh I)miled ~llrlallon" bV IUII,dlClion 10 CO"51Iul. 8 uI1110tm securl!, 1r:$I'um'nl cOYlnng 'tal pro~e".,. ~JC! (J!):J II:! !)l,} ACCOUNT '; 205619 " '-..... I: C:'I>'.I\C....I "A~." "-..;.'~ ~II,"II r...,..rlll,r(Vu.,....c"gl..~I\T ~,......, 'r''l(l ., ."1 --.... """... f L n ~ ;... " , "tI\ ~ ,., .;...,/'''~: . .... ' 1"':- \\ A 'I ~~, IOp\ .'u~'-""""~.' -./.:.... ~;:",' ~~..It'7. "'v J;ii.l. ...,.r- ,~. .' IENANTS. Borrower Ind Lender I enanl end Igroell loIl0W5: Prlnclr .1' lInd Interell; Prepavmen1end Lale Charge~ 15orrower lhall promptlv PaV when dUI nlerM Ihe debl evidenced bV Ihe Nole and anv pr menlllnd lall charges due under Ihl NOlI, axlllnd Inlurlncl Sublec110 Ippllcable law Q<<.Iq.. W!!~'!)-lNtlv,.,.by ~l!.~J!~ Burr!'Wer . 'hall paV I monlhlv pavmenls ore due under Ihe Nole, unll "* 'NOel Iii pilei lit fI.M,".lUm ("Fuildl'l eqIIII to I8rlV \8lCes Ind a5586smenls which may analn prIorfly over Ihll Securfly InatR/man!; (bl VllrlV 0: ground renlS on the Property, lIanv; (c) vearlv hazard Insurance premiums: and (d) yearly premiums, lIanv, These Kemsare called .escrow Koms,. Lender may estlmeta Ihe Funds dUI on thl , Ind reasonable estlmales 01 future escrow Ilems. I be held In an InslKution the deposits or accounls 01 which are Insured or guaranteed bV a federll or ing Lender II Lender II such an Inslllution) Lender shall apply the FUMSIO pay Ihe escrow Items, 'ge for holding and applying Ihe Funds, enalyzing Ihe account or velltylng the escrow Kems, unlell er Inleresl on the Fllnds and applicable low perm,ls Lender to maka such a charge. Borrower and ,wrKlng Ihal Inleresl sholl be paid on the Funds Unloss an agreemenlls made or appllcablellw Ie paid. Lender sholl nOl be required to pay Borrower InV InlOrest or aarnlngs on thl Funds, Lender ~r, whhout charge, an annual accounting 01 the Funds showing credits and debllslo the Funds end the 3ch deblllo Ihe Funds was made The Funds are pledged as add,tiollal seeurllV lor the sums secured b \enl. Ilhe Funds held by Lender, togelher wilh the future monlhly paymenlS 01 Funds payable prior 10 escrow hems, shall exceed the amounl required 10 pay the escrow Ilems when due, the excellshall b I, either promptly repaid 10 Borrower or cred,ted 10 Borrower on monlhly paymenls 01 Funds. II the i held by Lender is nol suHlclenllo pay Ihe escrow Ilems when due, Borrower shall pay 10 Lender any J make up the deficiency in one or more payments as required by Lender. In full 01 all sums secured by lhis Secullly Inslrumenl, Lender shall promptly refund 10 Borrower ender, If under paragraph 19the Property Is sold or or acquired by Lender, Lender shall apply, no lalll ior 10 Ihe sale of the Property or hs acqulsKlon by Lender, any Funds held by Lender allhe lime of lK agalnslthe sums secured bV this Secu,lly Instrumenl. of Pavmenlt, Unless applicable law provides otherwise, all paymenls received by Lender under shall be applied: IIrsl. to lale charges due undertho Nole; second, 10 prepayment charges due under I Ints payable under paragraph 2; lourth, 10 Interesl due; and last, to principal due. enl. Borrower shall pay all lues, assessments, charges. lines and Imposlllons anrlbutablelo Ihe analn prlorKy over this Securlly Inslromen!. and leasehold paymenls or groond rents, If any, hese obllgallons In the manner provided In paragraph 2, or K nOI paid In thaI manner, Borrowar shall rectlV 10 Ihe person who owed paymenl. Borrower shall promplly furnish to Lender all nollces of amou I paragraph. If Borrower makes these payments directly, Borrower shall promplly furniSh to Lender Ihe paymenls. promptlv discharge any lien which has priority over this Security Instrument onless Borrower: (a) he pavmenl of the abligallon secured by the lien In a manner acceptable 10 Lender; (b) contests in gee efends agaInst enforcemenl ollhe lien In, legal proceedings which In Ihe Lender's opinion o09ralelo llenl of the lien or lorlerture of any part olthe Property: or (c) secures from the holder of Ihe lien an ~ry 10 Lender subordlnallng the lien 10 this Security InSlrument If Lender del ermines thai any part 01 lctlo a lien which may "nern priority over this Securlly Instrumen!, Lender may give Borrower a I lien, Borrower shall S3l1Sty the lien or lake one or more of the aCl,ons sel forth above within 10 days e, Jranc.. Borrower shall keep the Improvemenls now exlsllng or hereafter erecled on Ihe Property bV fire. hazards InchJded WIthin the term "extended coverage' and any other hazards for which Lende This Insurance shall be maintained in lhe amounls and for the periods lhat Lender requires, The )vldlng Ihe Insurance shall be chosen by Borrower subleCllo Lender's approval which shall not be ~Id, :lilcles and renewals shall be acceplable to Lender and sh~1I include a standard mortgage clause. e rlghllO hold Ihe policies and renewals. If Lender requires, Borrower shall promptly give to Lendar remlums and renewal notices In the evenl of loss, Borrower shall give prompt nOllce to the Insurance _ender may make proof 01 loss If not made promptly by Borrower. and Borrower olherwlse agree In wrlllng, Insurance proceeds shall be applied 10 ,estorallon or repair aged, IIlhe restoration or repair is economically feasible and Lender's securlly Is nOllessened. If the Is not economically Icaslble or Lender's security would be lessened, lhe Insurance proceeds shall be secured by this Securily Inslrument, whether or nOl then due, with an" excess paid to Borrower, If ,the Property, or does nol answer within 30 days a notice from Lender thai the Insurance carner has aim, Ihen Lender may colleclthe Insorance proceeds. Lender may use the proceeds to repair or reslor BY sums secured by IhlS Security Instrument, whelher or notlhen due, The 30-day period will begin Iven, and Borrower othelVllse agree In wnling, any appllcallon of proceeds 10 principal shall nol extend or ., '---. . v.~ : " , ~.. ;. '.' .. '. ... ~",." ," .~....~.. ",.. , , ''', ':" \ \ '. ~ "..- ed m( ge Insurance 16 I condhlon 0' making Ihe Ie ecured by this Security Instrumenl, 1e premiums required 10 maintain Ihe Insuranca In.eHl!<''! 19111 'u~,~ ~rT.',e as th~.requlremer,1 for the i In Bccordance wllh Borrower's Ind Lender's wr1t\i.,,-:igr.erJienl or IPP/lCUfilaw. . -- Lender or hs Igent may make reasonable entrtUs.'upo.; and Inipecllonioi ih'IProperty, Linder lollce sl the time of or prior 10 In Inspecllon specifying reasonablo cause lor Ihe Inspacllon. lon, The proceeds of any award or dalm for damages, direct or consequential, In connection wilh ,r other laking 0' eny part oflhe Property, or for conveyance In lieu of condemnallon, are hereby e paid to Lender, I tOlaltaklng of the Property, tho proceeds shall be applied to Iha sums secured by Ihls Securlly or notlhen due, wllh any excess paid 10 Borrower. In Ihe evenl of a partlatlaklng of Ihe Prop<3rty, I Lender olherwlse agree In wrhlng, Ihe sums secured by Ihls Security Instrument shall be reduCed by ceeeds mulllplled by Ihe following Iracllon: (a) Ihe tolal amount 01 Ihe sums ucured Immediately tided by (b) the fair market value 01 Ihe Property Immediately bofore the laking Any balance shall bl s abandoned by Borrower, or If, aher nollce by Lender 10 Borrower thallhe condemnor oHerSIO Jllle e claim for damages, Borrower lalls to respond to Lender whhln 30 days after the date the nollcels lor~ed 10 collect and apply the proceeds, at lIs opllon, either to resloratlon or repair of Ihe Property or bylhls Securlly Insllument, whelher or notlhen due. 3nd Borrower olherwlse agree In wrlllng, any appllcallon of proceods to principal shall not extend or lIe 01 Ihe monthly payments referred to In paragraphs' and 2 or change the amount of such payments 'lot Released; Forbesrance by Lender Not e Welver, ExtenSion of Ihe limo for payment or ~Izatlon of the sums secured by this Security Instrument granted by Lender to any successor In shall not operate to release the lIablllly 01 the original Borrower or Borrower's successors In Interesl. 'equlred to commence procaedlngs against any successor In Interesl or refuse to extend time for Ie modify amortization 01 the sums secured by this Security Instrument by reason 01 any dernand mad IWI< or Borrower's succenors In Interesl. Any forbearance by Lel'lder In exercising any right or remedy . of or praclude the exercise 01 any right or remedy, II Ind Assigns Bound: Jolnllnd Severel Liability: Co-signers. Tha covenants and agreemenls of lent shall bind and banefh Ihe successors and assigns of Lendar and Borrower, sublecllo the provision ,/lower's covenar,ts and agreements shall be joint and several, Any Borrower who co-signs this Sacurit ,not execute the Note: (a) Is co. signing Ihls Security Instrument only to mortgage, grant and convey "eSlln the Property under Ihe terms of this Security Inslrument; (b) Is ntlt personally obligated 10 pay Ithls SlK'ur~y Instrument; end (c) agrees that Lender and any other Borrower may agree to extend, laka any accomodatlons wllh regard 10 the terms of this Security Insllument or the Note whhout sent. gn If the loan secured by thle Security InstrumMtls subject to a law which sets maximum loan N Is finally Inlerpreted so Ihat the Inlerest or other loan charges coli acted or to be collected In loan exceed the permlned limits, then: (a) any such loan charge shall be reduced by the amount Ilhe charge to the permlned IImrt: and (b) any sums already collected from Borrower which exceeded Je refunded to Borrower. Lender may choose to make Ihls refund by reducing the principal owed t making a direct payment to Borrower, If a refund reduces principal, Ihe reduction will be treated as a vhhoUl any prepayment charge under Ihe Note, 1 Affecting Lender', Rights, If enactment or explrallon of applicable laws has Ihe effect of ;Ion 01 the Note or this Security Instrument unenforceable according to Its terms, Lender, al hs option, ate payment In full of all sums secured by Ihls Security Insllument and may Invoke any remedies aph 19, If Lender exercises this option, Lender shall lake the steps specified In the second paragraph 01 'Y notice to Borrower prcvlded for In this Securlly Instrument shall be given by delivering ~ or by is mail unless applicable law requires use of anOlher method. The notice shall be directed to the any other eddress Borrower designates by notice to Lender, Any notice to Lender shall be given by Ider's address Slated herein or any other address Lender designates by nollce to Borrow", Any notlc( iecurity Instrument shall be deemed to have been given to Borrower or Lender when given as provldec I Law: Soverabll~y, This Security Instrument shall be governed by lederallaw and the law of the Ihe Property Is located, In the event Ihal allY provision or clause of Ihls SecurilY Instrument or the Ippllcable law, such conlllct shall nOI effect olher provisions of this Security Inslrument or the Nota eHecl withoul the conflicling provision. To this end Ihe provisions of this Security Instrument and the J be severable, s Copy, Borrower shall be given one conformed copy 01 the Note and of this Security Inslrument. I the Property or a Beneficial Interest In Borrower, If ail or any part of the Property or any A COVJ>".t.NTS, Borrower and Lender lurther CO\lenen' 'nd agr.. IS follows: ,n: AI III, Llndl/ lhall gl.. noUCI 10 Borrowlr p. . ICCIll/aUon fol.lowlng Borrower'l IIn. or Igreemlnlln Ihll Security Inlllume", ~~l ~IoLl!!~lllIon under PII!grlpha 13 Ind I It provld.. o'l/hwllll, L.nd.r lhall notify Bal/ollier Of,Al'nOriO IIlii.Htil'/IDliI(ll).tIili cfefaull: (bJlhe Jr'lhe def.ull: (c) wh.n .h. dlf.ull mUll be curad: and (d) lhal lallul. 10 curalhe del.ulla. IJ*lllfad ,.tlcn ollh. luml IIcur.d by thll Slcurlty Inlllume"" fOIlClolUII by judlcl.1 proceedlngl .nd ..,. 0 , Ih.1I furlher Intorm Borrower ollh. right to IIlnll.t. .ltl/ .cc.l.llllon .ndlh. rlghllo ''''" In the Ing Ih. non'lxlll.ne. of. d.f.ult or .ny olher d,'.nll 01 Bo,,~wl/ 10 .cc.l.lll1on.nd for.alolulI. II ..d.. lpeclfl.d, L.nder .tlla option m.y IIqulll Imm.dllt. pey""nlln full 01.11 luml IIculld by Ihl wlUlClul fullhl/ d.m.nd Ind mlY fOIlCloll Ihll S.curlty 'nllrum.nl by 'udlcl., proc..dlng. Lendl/ oll.et .1I.xpenl..lncu".d In pUll ulna Ih. IIm.dl.. provld.d In thll pallgllph Ill, Including, bul no , fl...nd COltl of 1111. avld.nc.to Ih. .Ilt.nl permlnld by Ippllc.bI.l.w, '>o..a..lon. Upon acceleration under paregraph '9 or abandonmant olthe Property. Londer (In by Judicially appolnlad race Nor) shall be entltlad 10 enler upon, lake po$Sas&lon of and manegelhe 9c\ the rants of the Property Including those past due, Any renls coUeclad by Lender or tho racelver 10 payment of Iha COSIs or managemenl of tho Propert)' and collecllon of renlS, Including, but nol fees, premiums on receiver's bonds and reasonabla anorneys' lees, Ind then 10 the sums secured by lant. Upon payment of all sums secured by Ihls Securlly Instrumenl, Lender shall cancel this Svcurily :harge 10 Borrower, Borrower shsll pay any recordation COSIS. nent Period. Borrower's time 10 relnslale provided In parvgreph '8 shall extend 10 olle hour prior to of bidding 01 I sherrtf's sale or other sale pursuanllo Ihls Secullty Instrumenl. Money Mortgege. If any or the debl secured by Ihls Security Instrument Is lent 10 Borrower to acquire this Securlly In"'umenl shall be e purchase money mortgaga, lie Aller Judgment. Borrower agrees that Ihe Inlerlllt rate paYlble alter a Judgment Is entered on the 01 Mortgage foreclosure shall be Ihe rIte paYlble from time to time under the NOtl, his Security Instrument. If ona or more riders are executed by Borrower and recorded logetherwllh "nl, the covenlnts Ind Igreements 01 each such rider shall be incorporalad Inlo Ind shall amend and enenls and agreements of this Security Instrument IS ~ Iha rlder(s) were I part of this Securlly 1ppllcable box(es)) Rate Rider 0 Condominium Rider 0 2-4 Femlly Rider , Paymenl Rldar o Planned Unit Developmenl Rider / ; .I / ,I IptClfy) cl y.J..... /-.J.... . Ii II I:LOW, Borrower accepts and agrees to the terms and covenanls contalnad In this Security 'Y rldar(s) executad by Borrower Ind recordad Wllh lI, ""_1...\.;:.../ ./l -, ' ~f'~ t-' '....;(, ",'. ,',' BARRY K, ST~EIN I"'-../.--.J- . \., .../ l. >..1.../ ,___ - . . ...~~ 1~t11 .Bot,!,)w., ,~; IStel1 .80,'OWIt IStll) .80no.,..., (s..,.c. Belaw 'hll Litle '0' Ac_"owl.Clg",e"11 ~LTH OF PENNSYLVANIA, County 65: ^ -:tA. .. i - dayof ....'-.pu..rt./...... .... , 19 (. '/ , belora me, "~ . -.,.--' AL~ THAT CtRTAIN lot or troet of land oltuot. In tho Borough ot """hanieobu<91 County of cumborlend ond Stlt. of P.nnoylvonll. hOr. partlcullrly bounded end dolerlbod "' follow., BEGINNING .t . poInt on tho ,,"ttrn .Idt of York Strttt Clrel'l which point i. ot tho hn. dlvldin9 t.ot. NoI. 20 and 21 on tht htrtlnoftor ...ndoned PIon ot t.oUI thone. 01""'l tho ......, South 89 dl9rtt. 39 IIlinut.. Eut. 120 toet to . point on tho I1n. ot t.ot No. 19, thtne. 01""'1 tho hn. dlvldil19 t.ot No. 20 trOll t.ou NoI, 19 ond 8 on Mid Pl"'l South 00 df9r... 21 IIllnutt. Iit.t, 65 t.ot to tho Uno dlvldllllj t.ot. NoI. 21 ond 22, thtne. 01""'l tht ...., North 89 df9rtt. 39 IIllnut.. Ho.t, 120 feet to the tAat.rn line of York Street Clrcl., th.ne. elonq the ~, North 00 df9ro.. 21 IIllnut.. Eaot. 65 t... to tho point ot IUXIINNIIlG. IIII1lG t.ot No. 21, Block J, on tho PIon ot WynntllOCld Pork. .. rooorded in tho CIloarlond County Record.r'. ottle'l In PIon Book 231 PI9' 175. IIIINCl _ AS 61~ york SUttt Clrel.. 11I11<<1 nIII SAllE PII.ZMIW WlII01 Ruo..U E. Cook end SUZIM~II' ook, h~lbond ond wit. by tholr 00Id doted SoptOlltltr 251 1989 ond Intended to be to thwlth duly rooordod. 9rO/lt.. end ocnv.yed unto Berry K. Stabltln, .11191. eon. . ~ t Ie '. ;...." . , , / . . . .' "" . .. .. . ..." I. . :..::, '. , ' :' '..:-;1(';.,.. , J.. ;,..,!:~;,,~qS3 "~/3 ~,:;"~,:,~",, ,0 ~~~ ..:" ,..", ,j ~ . . . ::-r I . hJa~ !lJ3 fll1 ~Ii / IfIfus Mor1lI'pw Ccwp. I ~-..IUo:X'.T ....i... -.,.., ~-, ,"_ ..I':t~:~'!,l...., :,,",' .....".t;.,f :-!;, .\r- . ", :/;_\l.~.. ',' ,_' 'J',1 f..!;" . . . . ~, . ',,'.s,", Jj'.~~~, 11. lq~t l ", ., ~ f :. Co '- el', ~.. .:." e ~ ":j" ..t.. . f', l1Ce'.~:b~ ", LC,,, ..~.!['. I"HI~e '1\'11 Y . fAil!' .1, 'e," e .H."lelb~'C '. 11C1' .cr _I ~crleE ,.~ ~~,~~~~~~~t~ CF ~c~~!'LVjhl"5 ~C~EC~h!.~1 L~(~CEhC' ~:~,t:~: 'IP'I",e' "'t"O "11.r t'LE l~ .~~P 'CL ...' '.11 "t'!C~ ,.~ ~. ; ,L1;a;r /~, ..If,c II .11 HeE :.IC.; e" I 'I Y.L '.~'. ~.:.:... l;:f~1. Sl..'I ,,~ '"ill) ,~\" ..ult Fl,J !.Jilt filoC"GA'e P"IItE" 5 I~ .,"'l.. 'i,l "L'b I...c ..rl:... C'"" I.! .E....\Yl....I. .~LSI.C .I',,!! CI'!, At 11001.1)".;)91. FC~ ~~.~tS~ I.j~C~'~~ ~p~'~I~G ~~~s:~s ~. ,crl,'C'CIC"" 'C~L'lt El:C SL" I.Pt""Cl.. PLel ..ecl' Jl ..rtlr:.., t. (:\fl"t..I; .IVIE\l.C 1::1\ ~u "SA. H "'c CC"~~E~C~ ~l. c;..r,""t :1,,11, .LI!.IC!Clt.. t~'e'c. L" !"c~'i'e.. i~.(e{A~'~t'[E ~.~"'.."c " A ACI..e. P'''Sll '''A .eLI"i F ",.., 'e" YI , , CH S . "..e"t '''C1 ",oc . illU. P I I I l AP . ~'I~~A.t ~,; il PRe .... ll"Ace '"c.e~...! I~ E.fb f..~y .e'lt,~! ~Sslsl.'ce PPQ~.'.. al (Lf" . PLeOE I'LVAO IL C'SA oe la PEICI:' eEL ..fC,tCh. j l;eCjllq~ SI" "'lPC E<':A. ----,---- -' "A. eLIIC.E~' lE~IC~: c~..ILI~t~lE'~.~c~!~'~fl~~,A~~~~~~..e!II~'I.e'~b~.~~t~~~It~ei!; .;.E:.'~'I' 'OE.a~'el '~.It.ei al')IT",E 'il:- l~'el II"! "CI'I, ~!'A~~~ ~~: fE I~ e~. (~ R~,tc :~~~lli~~~:~C:E;Y~ i t~r~~~ ~~F ,~~~ .I'.! ~ ,,,,~.,,h~ '~e~~E T co F.\L.r," '~I;.'.eEla.l 01,. ..I~: ",: 1~..t~t'A:\ll"e~!'~~ ,\k!~l"~IIZcy:Ei~I:';E~llc i~l'E~'I~'i .!lIC::i II tl.""I..l .. ,.PL....III;.. t. YCLA olt"ls. ~~~~~\RT:~.f'IleY~~..i!IO;~III~iCclif..~..~PCI~~TcA11.YE,.,~!~E~~'.I~:e ~L.I~G T." V!oe Y L .L.I ......Ce ... 'T~E"C' .FAt ., .FAt 0 'l~ h~ ..I"'. i IO.EJ:IiiE t""U lYE l..F '"IS l(hC Q, ;... .1ft4 , 0' ~ ....IIE C:',I....E'i ~:.~trKC;t~!~lA~~A~~!~~Y~l.~:Ec~LI.I-E~;.~~.l.lllle~i~II~eL!leIEI~!l'~~~. ,,.I~ flott:II~":' :'1..5T ech.w l/lil 'I'll ~E. It'tt...TY ~c c,,~\. l' ':L H"'r · ..ee":-'''f '(ElI"r .,," '.IS l~'ceR,~. ,"" \ ~~I~I~~~'.~:~ 11~I,S:l~I~~!~%a.lc~~~l(L.!~~(ltl~cr'~f ~tlle ~~~1~~1'~~ I ':1 LAYS a ~Ii: Y"'t :,'~ :~F '..I~ .....:. I',~, flol~ "Me. aC_;E~S .a'l,C 'tLL~~C~~ ~~flor(~ CF CUA PEP~Es~~r.rl~€ I~: -, ~AhCPLL5 ~(~,~~~( ,~.~ .- -p'C, -El 1It1"l:. sl... 1,' ~I;-:. '" "..'~>~tl1 il'.~2'."'CC r-.~ .,.~t!. .'.C '~"l:iq c. ~<Il'i~"': .i~'I~.U C~IOIl cl~,~,Ll"; ;~~~~~f{ .J~~t5"'~:~(~~r;_F~~i '~EtJ)~:. "~:::I!toC~~clS,hC\lEh'~l!!~E~~l~ j",...~:;..r:L' :r "el..'; t..rE"'IC""~' ~~.')i,,~,~::~f!(.:J ~;J~,..~)~:tLlt.~ECf~f::.: ~f I :::~~E~~l~lf. ',-:~': ~~;l:~f).; ;l ~~~~f ~I~ry (te) ="5. CL.l . 1.~J...r . oCI; FACt I Lf ~ ~'~'~L~) ~~~I~A~i :~~p ~.~. :c. _1~~~ ~,~ .~IChIC. T' 1~Zt!-~CI2 ", '. "~'- ----_.~- ----- -..--_. - -- .-------- ........ 'EXHIBIT'\ 2J' I IfIfus ~CGlp, I ....;-w""......:-" ...04.t;.:.;.,.~.'i>"':'~~' - I' .~~~~...,~...{...,.~ "/." .~...;\,~.-~...~Ii.'1 ."-'. .,' "" ., {," .. . '{Ii , ..,... . .,--~' " ..~:. ',', :..... ../. . .<l.r.u....:."n.. ' . ~ : ".~_~' .t ,"" -. ~.. ',"' I " JJ'.L'.' ll. t~'t =.;.;..., t r /. ~L [ "" 1r.~LlEl~L,~I~~~lLE~I~E\ LELI'_LE'CI IS II,tl,.IC. I>AI IL> ifH' ~g I ~ .Ie ts'U,.IO IE, !~LF~~I!rl!~lEf't~,'j~,~'le~E.l~!.'a~Ll\c.I'I~ ~~GC~E'.tr,i~,~!(l~ J'~rl'I~(~ 'iC~ r~~ ~~~!C.,(;11 ~~t~~E~~' ~C~'Gac( alSl~tA~(E Jl't. l__...ce,,' It.: cc n-IS. yo:\,; "'\';51 FlL.L ':1..l1, SfG'- AND F L.l .. CC"'PL~'EC t~~\E~~\:c' :L~5~eri'Cl't~tllllle~~l(ELI~~LICfllK~IE~II~I{l~J t~ I~~ 1.1U'~"'E~T. ~f\ 'Pj:~IC"l...'" FC~ ass Jr,,..c~ ".I, ~"'L" It eUlhlC F;'" A CC'IL'" C'HII C,L.SELI" ACE'O. T>t CC'I~'U CIlC r CCL'SEll"; t~~~~l y~~~ t~~~(IIE~CL'P~~lc~I\~~"IE~'I.'CUlpt~~~f~Oll~~ A~EL'flk~ .T",cE Aol,cy. 'CLl '~F~IC.l C. "L~r ~E FILEe CR ptll.AO.lC, 01 .1' '~I~" C1C) CAYS CF ,~~~ F&CE.'C.~A~~ ~EE'I~G. II I~ (lT~E"iLT I"PCOU,' T.U HL FI~E lC~1 APFLlOIIC' F'C"PT~Y. JF ':L '.c t,tI:L I" CI IF YCL ec .ct FeLle_ C1~IR r.I FEllces 1.1 ~_.I. I' '.IS LE"E~, FCoHLCILH -61 PICCHe "11'11 leLI >L"l J"''''E~I'reL'f. AV&IL.eLE cW~c~ rc; E~E~Gi'.CY ~C~';~:E ISSIS'j~CE I~! ~t~' LI~I'~C. r..fY ..ell ~~ :IS~n..'SEC ey 'toE i('i"Ct ....".;EA '''"E iLIGI91LIFY (:'1 (-..1 t.,1r'cLI';~EC ~y 'toe ,cr. II 1\ E.,OI"EL' I"PCOTI'T T..T 'eL" IPPLICATIC. II 'EC~'ATE '.C C_"~L.I( I' E_EWT 'EIPICT. T.E 't":'.,"IA 'C~SI" FI.A'CE "'E'C' ~~~LIClfl~,. (O~l'I~~'l.E'c'cEt'tc~lL ;T~.(!C~c 1~!{~L~lu,f!6i~~~~cl~~~ _gL eE ~\".Sl.EC- acil,,-Sf YCl.' IF "":'.. ~,hE 10FT t...f ,1,.e &(".dHIlIt"""'5 SeT F....r,.. .s:C.E. Tel. -ILL ~E "'CTl~!:... :!..:ECHY OY rl-e HE-"C., ~F In .t'IS1Ct, ~~ '~~A '~~Llc.rIC" r~c ~l"f.~'~_Ahl' "'C\"51~G FI~.~ti :CE"Y 15 LCCAtEt AT ~ICl ~C;T~ j:"L.."T 5f~Etr, I=CST CF'ICE t:C.4. ::~;. "':'~"ljeI..AC. PEh"'nl.~'''1I l71t;~. ~€~~~~~'~;~~"l'~,I!lll.~j&i~eCEl~'; !~c:lli!~i~ll!1~4S\L F.E! 'L",;.I. 'I~Zf~r:i~~tk\\'I' 'Ar! c-';cl eILA'CE' "CoE.IT "'I.,CI'C.\, i~f~t'"ll\. FI!I' l~ ':Clr:~',. ,:~ ~., ;~CEI~~ j~~r-~. ~,~~""~~ Il'" .l~,r '~ill~'T :: .~ ,"'[~"'51.f~.., ,.~t ,.~; ,...,E" :~:: .. ':: 't"...~SI; It. tAtliCIH 'ell; ~IC....T :L~~ ~E r:;eCL(!~: L..;C' ~~IL~ .~~ j~ . . V~.y T~UL' 'C~'S, ~""II~!I.t~.. CCU'IILt. ~:' ~A~~ L:j~ 'C~I~ sr"'I:h , : r:c L" :,., - "- ~ ~~c~ r~IS LE"Cf~ ~~C~~ 1~~~TI~~ETC'e~~~<'ll~e,r~ "II LA". ,.c.l..u" I' ,tl.. , '"II 'CIICe. '':L 01.1.';1 .61 HSllh'CE. " '"'C 1 .-.t.-ceet: ./ /" ,.' l..t..1 - I';'" J ~... r - , :' ,u.";i-l.\.t :-'." r~.L"" ~~ Li c:' ~. ,.. I':' ...il.... , ;:"~i .: U .. I~~ !~TC~lC. r. 1!;~'-eC~~ - - .- -----. .-.----.--- -- .~,-- - '-'---'r- -_.-~--- --__.___ Bernln Mortglgl CO. VI. 'Irry K. 5tlbl,ln VERIFICATION Thl undlrllgnld. In olllelr of the Corporltlon whlgh II thl Plllntl" In thl forlgolng Complllnt or In offlcllr of thl Corpol'ltlon which II the I"vlelng Iglnt of P1llntl", Ind bllng luthorlled to mlkl thll v"ifleltlon on blhllf 01 Plllntl", herlby verlfl.. thlt thl fletl Nt forth In thl foregoing Complllnt Ire tlkln from rlCordl melntllned by pIl'lOnl IUllOrvl.ld by thl underllunld who ""Intlln the bUllnl.. recordl of thl Mortllllll hlld by Plllntlff In thl ordlnlry eour.. of bUlln..1 Ind thlt thON fletl Ire true Ind correct to thl bllt 0' thl knowlldgl, Information I.nd bl",' of thl undl,.lgnld. 'UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF ,. PA.C.S. SECTION 4804 RELATING TO UNSWORN FALIIFlCATlON TO AUTHORlTU!S. Dltl: 5/31/96 ~~'J7 me: Jamea L. DeLoach nt~: Vice President Compeny: Barnett Mortgage Co. LoIn 10711180 9.'427 VERIFICATION N.ncy A, Worth, ESQUIRE, hereby stetes that she Is the Attornay for the Plelntlff In thl' eetlon, thet she Is authorlzad to make this Verlflcetlon, and that the stetements mllde In the foragolng COMPLAINT IN MORTGAGE FORECLOSURE ere true end corrllct to thll belt of her knowledge, Informetlon end bellaf. Tha undersigned understands that this statement herein Is made subject to the peneltles of 18 Pe.C.S, Sec. 4904 relating to unsworn felslflcatlon to authorities. SHAPIRO & KREISMAN Deted: 5/~/q~ i,l! QIT" ~ j " "l"'t; ~~ 'II Nu'! n n 111\;\ 'JG 'j p ~: , I'll" . I ~..' L ,., " , "I ,,'.11 \ ~ ~ ~ " " " , l ., I . " \ , II! , , " " , , r :' " ,\' 1/" i' " , " , , ' , ,;, 'I I"' , , " " " ,., , '"1' tllr/ ;40 q'7P~(I' ~"!~r~u J}lJ L I'll \VrtJJ/jr ,/ II: <-I i'.L, L: HI~, i l','; ':. ~ ) . ..... f'" .' I"> d,. ) C); f.~\ L ., I,. ' ('~J , ...It r. (. . ;1;"1 r I' )0_ .....: ,. I" I U U' ; ) @) ,I ~~ . ~ @ ~~ ~ ~ ;~ ...: ...:l U Z~ 0 ~ ~" ~ Up. Z P:: O~ I:t: ~ 0 :cp. '0 ~ ~ :c . OU..:l ~ U p. 0 ~ ~~ ~~ . ~!: .... ~ c.:J \t s ~ c.:Jc.:J ...: ...:...: c.:J 5 ~ f" 00 c.:Jc.:J ..:l E-< E-< ~ , P:: ~B <~ , p:: E-< ~ ...: U alal al ...: ....,. . ~ HIIUlli" AD-I' ~iI' """liI, ....1tI1 d .... .I "fllDlOOA~""U"1"'''' . . ~ , .. . . I'!' . " 'el . " 11I',hll:' ," I;L 11'liN ANI-,IWr.l.i u. , M', 111,1, i', 1\:''/'' t/U; 1'" JI I . ,/)~ '.11,:, / I' 1.:lilHliJllIH:~1 'I'll III ,'I-:/liI'."(1 VM, 1/\: CtJlJN I''{ In 1.'.t.J!'Il\I:r\'LI~IlU , I ~'(lld'~ ,r.!' [I! IH rf ltJl 11.: I 1/ ,'.j' .j..,,,;. ,e , 'J',. , ,; I'MIU,I r. HI\I/I\\ I.. ".......-..,....,'-.'. H. I'hl)l!l~]:_;: 1':1' p':' 1 /' ',-1I-",'''J.1.I, '.)) U"'\JIJI:.}' '6hl~'r 1 t t l)t l:llt'IH!:id,ldlli 1.'iil)IlI',-, l'I:'lll\. yl,'/illl' J, l.ll; l:-'~lil'J '111,ll}' 1,:i\111j ji 'Il"~\'rdln~j /""> .1W, , F:I 1 '/1',',J "I', 'of\'lhlfi n'.l!TlI}I.~ Ilf_l-TI\lIAI'lj' ',',u,lIl.]:.1 II IJIII,,"','( h ., "y llli I. t..,:".! t .) t. I;~ r:; N.J j \ r; q;" ~'''l.l': (l1'1::p;;1 1 ~.~ , ':'Ij ';1'.,:. .,~~,-.',~~Jl.' ddy ';'.1f 'I.. "I I. I I lill'l : 1/IQ) 11\'1111' 1.1 ( , .. I II Ie 1\ i I, I I'le I ._.11.12 J_..1:)",__._;. ,n .~_'._.' _-r_.._,f ~~l!i.J: t.!:~!:U,.'_I;!.~.ui~.!,-J. . J~h..",1:J.~~L'~ ..,' , Ii I'll', 1,"1 ,A Ill" C't')t.l,n t.y, ,] i'. r 11\:1 'in-l ;1, I: I '::':S l: '." J ': ,', i' i' (, J I;j/:' ,J I t. ,~(! III': j/ !)I1LL.!:.LltL ,...tl'..I:.~L:J:.qbL:c__,_ +; '-"O~.' j h'i" ,,),1 h _J~~.:.I~~'.~____.._____.~._~~_ , -~.,----,....,..-...-,- , .---~-~_._.---I-.--~,~ tl.Ll1,1~ ltlJ'!;;ll 1:".lIllll\I.~nt',J' :IIWI'IIII! U:ln 1< ,WA!3 1~i:'IUhlll.l' '1',J'!If:. "A'I'Il,111."IU, NI:II i'el/iJ'.,N," ;!Wld Fl" [11:1'1' U I~ ,I, VJC\ '.I ',:' A :~~ 'i"--' " !.)I~ ", ,'" ,/ , .lU ':dH:.:~.r;j ":.J' , '" . ::;." ,/~ 'f - ~.....<:.:<,:',' /, ' , '. ' If:/.: .? . h;/~e . ' , .!f ;....' ",rl_.'t n ~ ,c::....~- , I' I r\; -t'TFi;~,.,:~-;':3'--1'~ I-~ 1:r:,~~-~-~.-~Tt:;:'T"i7r-:--,-;--~----- l'l..lhf,. [,:1 1.., 1",HI_1I'~ ,~. lltd,I..I~!\ '/Itl,' '-",.I 'I"}'?,:'" ".'t, "C 1. f ,1.: "',J \ -~ iJ i-' I . '''',::''':kl~'( Lr~q" ' , .: 1__ J ') 1 (.I~J 'II (':1:':" :]\]I-~ I'~\.JI: l..:h:lrq~:I ,;:,. :-;,,,,, t.1" 1.',1 I {I 'HIUw ~:'Juh;'j'''\ Ii (,.... 111.1 'I q; p" ". ~,9,;,~,~I~ 1,i,\('S ,r :ij', Iii' " , I . SHAPIRO AND KREISMAN BY: NANCY A. WORTH, ESQUIRE AND CHERYL L. VILLAUME, ESQUIRE ATTORNEY 1.0. NO. 50596 AND 70044 SOUTHPOINT OFFICE COMPLEX 1160 WEST SWEDESFORD ROAD, SUITE 350 BERWYN, PA 19312 TELEPHONE (6101 695.9240 S & K FILE NO. 96.9427 Barnett Mortgage Co. C/O BancPIUI Mortgage Corp. 9601 McAllister Freeway P.O. Box 47524 San Antonio, TX 78216.4605 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: qC,- ~'7&7 (!~~~~,l Barry K. Stable In 224 Brian Road Enola, PA 17025 DEFENDANTlS) . : . '- .. '7 , - " , - ..;-: -- - .., , '. ;] .,. " " , . '. " ,.." ..... .. - ; '.:: ~ ; VI. COMPLAINT. CIVIL ACTION 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 1201 DAYS AFTER THIS COMPLAINT AND Nl)TICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY AnORNEY AND FlUNG IN WRrTlNG WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS alET FORTH AGAINST YOU. YOU ARE WARNED THAT II' YOU FAIL TO DO SO THE CASE MAY PROCHD WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT wrrHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OIlIllLIII' REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR 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 ro FIND OUT WHERE YOU CAN GET LEGAL HELP. COURT ADMINISTRATOR 4TH FLOOR. CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013 TRUE COpy FROM RECORD 17171 240.6200 In Testimony wherllOf. I here unlo set my haAd and Ih I of ~,;;! ou" al Carlisle, ~(. Th ~ +f, 1Ia fLl6,.l.. 19-!lc- ('.:\C;: I C\\S ry . , ;.",.. c SHAPIRO AND KREISMAN BY: NANCY A. WORTH, ESQUIRE AND CHERYL L. VILLAUME, ESQUIRE ATTORNEY 1.0. NO. 60696 AND 70044 SOUTHPOINT OFFICE COMPLEX 1160 WEST SWEDESFORO ROAD, SUITE 350 BERWYN, PA 19312 TELEPHONE 16101 696.9240 S & K FILE NO. 96-9427 Barnett Mortgage Co. CtO BancPlus Mortgage Corp. 9601 McAllister Freeway P.O. Box 47524 San Antonio, TX 78216.4605 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: vs. Barry K. Stableln 224 Brien Road Enola, PA 17026 DEFENDANT(SI Plaintiff, Barnett Mortgage Co., the address of which Is CtO BancPlus Mortgage Corp., 9601 McAllister Freeway, P.O. Box 47524, Sen Antonio, TX 78216.4606, brings this action of mortgage foreclosure upon the following cause of action: 1. (al Parties to Mortoaae: Mortaaoee: Broadvlew Mortgage Company MortQaQorlsl: Barry K. Stableln (bl Date of Mortoaoe: September 25, 1989 (cl Place and Date of Record of Mortuaae: Recorder of Deeds CUMBERLAND County Mortgage Book 953, Page 613 Date: September 26, 1989 The Mortgage Is matter of public record and is Incorporated herein as provided by Pa. R.C.P. 1019(g). A true and correct copy of said Mortgage Is attached hereto as Exhibit. A. and incorporated herein by reference. , . . " : ~ , " ' " (dl AsslQnments: Assignor: Broadvlew Mortgage Compeny Asslgnee:Flrst National Bank Date of Asslgnmant: October 1 e, 1991 Recording Date: Octobllr 29, 1991 Book: 406 Paga: 657 Assignor: First National Bank Asslgnea: BancPlus Mortgage Corp. Date of Asslgnmant: Septamber 1, 1992 Recording Data: November 30, 1992 Book: 432 Page: 341 Assignor: BancPlus Mortgage Corp. Assignee: Barnett Mortgage Co. Date of Assignment: As recorded Date Asslgnmant recordad: As recorded Book: As racorded Page: As recorded 2. Plelntlff Is, therefore, either the original Mortgagee named In the Mortgage, the legal successor In Interest to the original Mortgagee, or Is the present holder of the mortgage by virtue of the above-described Asslgnment!s). 3. Each Mortgagor named In paragraph 1 executed a Note as evidence of the debt secured by the Mortgage. 4. Tha real property which is subject to the Mortgage is generally known as 612 York Circle, Mechanlcsburgl PA 17025 and is more specifically described as: ALL THAT CERTAIN lot or tract of land situate In tha Borough of Mechanlcsburgl County of Cumberland and State of Pennsylvania, more particularly bounded and described as follows: BEGINNING at a point on the eastern side of York Streat Circle, which point Is at the line dividing Lots No. 20 and 21 on tha hereinafter mentioned Plan of Lots; THENCE along the same, South 89 degrees 39 mlnutell East, 120 feet to a point on the line of Lot No. 19; THENCE along the line dividing Lot No. 20 from Lots Nos. 19 and 8 on said Plan, South 00 degrees 21 minutes West, 65 feet to the line dividing Lots Nos. 21 and 22; THENCE along the same, North 89 degrees 39 minutes West, 120 feet to the Eastern line of York Street Circle; THENCE along the same, North 00 degrees 21 minutes East, 65 feet to the point of BEGINNING. BEING Lot No. 21, Block J, on the Plan of Wynnewood Park, as recorded in the Cumberland County Recorder's Office, in Plan Book 23, Page 175. , "...'1 ! . BEING KNOWN AS 612 York Street Circle. UNDER AND SUBJECT to a 25 feet wide building set. beck line from York Strltet Circle, UNDER AND SUBJECT to a 10 feet wide sewer ea8ement of the EB8tern portion of the premlsBs. UNDER AND SUBJECT Nevertheless to easements, restrictions, reservations. conditions and rights fo way of record. BEING the same premises which Russell E. Cook and Suzanne M. Cook granted end conveyed unto Barry K. Stableln by Deed dated September 25. 1989 end recorded In the Office of the Recorder of Deeds for CUMBERLAND County on September 26, 1989 In Deed Book E 34, Page 579. 5. The Name and mailing eddress of each Defendant Is: Borry K. Stableln, 224 Brian Road. Enola, PA 17025. 6. The Interest of each Individual Defendant Is a8 Mortgagor, Real Owner, or both. 7. The Mortgage Is In default bacause the monthly Installments of principal and Interest and other charges stated below, all a8 authorized by the Mortgage. are due as of November 1. 1995 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below era Immediately dua and payable. 8. The following amounts are due as of MAY 16, 1996: Principal of Mortgage Debt due and unpaid $72.626.55 Interest currently due and owing at 9.875% per annum calculated from OCTOBER " 1995 at $19.65 each day $4.480.20 Late Charge of $33.00 per month assessed on the 16th of each month $297.00 $1499.631 $3.000.00 Escrow Balance (Credit to Defendant) Attorney's Fees TOT~L .~ 9. Interest accruesat a per diem rate of $19.65 for each day after MAY 16. 1996 that the debt remains unpaid. and Plaintiff may Incur additional attorneys fees, as well as other expenses, costs and charges collectible under the Note and Mortgage. " \...L,' "- vI' If" I" ". '"'" ,~ QJ~':;' ~Q 7 .,~..~~~~-;,"t'i~~;;'~~'f.:; :J,UI .. .-'....~~~..t".....~'............,..a!..t,,~~;:...~.,,~~, .. '.., '. . ......' 'l....'..':"(',7~...:n.,... ."" . , , "1 !::' {; '" :5 " :...... .....I,...~~. '..lIII,_. .,e.'1t MORTGAGE THIS MORTGAGI rso<:u,,,,, 'n""m.n,', '. Q'In on SEPT!MiER IS TH " 89 TlllmOolglgOfll BARRY K, STABLE IN, UNMARRIED ("Bo"O\'I'''' Thl' Secur!fy Inlltum,ntll ;"1" 10 BROADV I EW MORTGAGE cor~PANY ,~n..n '. ClQ.n..", 'nelll,."ng uncll"nlll~.ol OHIO .""~no...dO'",,, HI HIGH STREET, COLUMBUS, OHIO 4l0BI 1"\.."".,', lorrcmtr~" Lind" thl PMt'OIt lum a SEVENTY.S I X TfolOU5.ANO OOLl~R5 ...................... ...........................Ooll.rl(US' iEGOO.OO I Ti'UICtbl 1,.vldtnCId by lotro\\tr i"CIt C2'!~ 11'1, um, d'l' lilt"" Stcyr I, Inlltumtnt ,.NOI"I, ....h.eh ~'0\1(]" lor monlNy PAymenl' .,..,,1'\ Il"Itlull d.bt, II nel Plld urt.." dUI.nd Ply' bit on ac TOBER I, 2019 Thll Security Inllrum,'" IICU,,,IO Llnd,r ('III'l, r'Plymenl of the CI'bl '~ICI.ncad by It" Nol.. 'WIlh Inl.r"l. and III "newlll. ,."n'I()l'lI'nd mod"k:lI)()f'tI. (b) 11'1, Plvm.nl at III QlI'I.r lums. 'WII" Inl'tlll. .d....nctcJ Under Plt'graph 710 ptOCed 11'1, IlCumyol 1"11 SICUtllY InlUum'r'l1 .M (c) In, I:lt1101lni1'l" 01 BouO"#Jlr I ca~'f'lInll and 'Qr.,m,nll und.r \1'11' Ste:utlly Inlltl,jrnenl ,nd In, Notl, "0' 1"1' pU'pou Borro'W.r ClO4' n,"by monglg', Q'lnllnd cl)n...y 10 L'nd" Ii'll loIlowing d"crlbtd proptrtt looalocl.. CUMBERLAND c:ow.V, P.nn,~'"n.. SII EXHIBIT "A" A'l'l'AaWl wNcII "'"111I add".. GI 612 YORK CIRCLE P.M.ytvlnll 17055 IZt~tj lllt,,"1 ,Property Add''''.). , MECMANICSBURG ,Ct>! TOQETHER 'tilTH ..11". Impro.....m.nl'l MaN or ",r18n" I"~~to on In,prCOI"Y Ind II' .."m,nll f((;lnIS IOPUr':'''' flnll. royllllll. mlr,'al, o~ 11'10 gll flQt1lllr(l 1"01,1'1, "'Iler "gl"l'I Ind 1I0eM and 11I1,.,urn rCIr or 1'lItr"n" I Pin all!"' ~ IV .lJ1 r,plac.m,nll .t'Id Iddlllonl ,h,UIlIl) Ut co~'rtd by 11'1.1 S'curlty In"'um,nl Allor lJ'It1oflgomg.I rtl'HId 10 ,n It":: Steurlty In"rum,nl II Il'It .ProPltny. eOAROWER COVENANTS INiI Bou'J'N,r II lawfully SlIIId of In, '\II!' :'lerlby COn.",.,.1O .nd "" tn, rlghlle mongag', Qrant and con~,y Il'lt Proplrty end lhalthl P,oPlrty " un,ncumalrtd '.':'1'11." tn(umbranCII of flcorQ Borrow,r .....rr.nll and Will deF.nd 'iilnereU.., 1r'L, 1111110 1"1 Prcp,,,.., ''iillnll all (lar,'TIS II'Id dlrnal"oOI, IvOI.Clle:. ,fly Incumbrances 01 rt~o'a THIS SECURITY IF'jSTAUMENT comblr,ts vnlfOfm (0....',..111' 'or nellc",1 Ulil.nd non.ur,~o'm COlllnanl' ......11'1 h!Tllltd VltllllO"" by 1l..11'!tdICI1cn 10 conSlrullf oJ vn"Ofm ,tClJf,!, ,rst,,,,m.nl cO.....f1ng flal proo."y b;Cl 1I!):J II:! !) I,} ACCOUNT .: IOSI19 ", '-- ClIa,"'C.,.., \',.....a ..~..._ "....... ,..., Uf'1 ... I:('Inll."C:"OIUIl'l'I"T r"'..... 1,.\0" '1 --..... . I"" 1"- "A'l ;"'.~J".~ ..'~~ ...... .~({.,. .. :', . '..... . ... -. ..."~_.._' .-~- ..It .. ~ I . . . <;fr... . .". ';-l'i1J. " -. fI...l.,........ I I "', "'oJ.. -.J ~ , tENANT S Borrowel' and Lender I enant and agree as follom. Prlnclr.' and Internt: Prepayment and UJle Charge" 'lorrllY<er snail prompll'f pay when due nterllt the debt evidenced by tho Note and any pr mentand lata charges due under the NOI axaa and Inaurance, SublOClto applicable law Qt..lq#, W!.IlJ~li"fli~_by ~!..ngJ!~ Borr?,!ar, ahall pay I monthly payments are due under the Note, \lid m. 'tlOi,1I paid lh II1.'"ltllm ('Fu~a'l aqUa/IO :arly laXes and assessmenls which may allaln priority over Ihla Security lnelrtjment; (b) yearly or ground rents on the Property, ~ any; (c) yearly hazard Insurance premiums: and (d) yearly premiums, ~ any. These nema are called 'escrow lIems,' Lender may estimate the Funds due on It ,and reasonable eslimales of future escrow Items. I be held In an Instrtutlon the deposits or accounts of which are Insured or guaranteed by a federal c Ing Lender ~ Lender IS such an InstrtUllon) Lender shall apply the Funds 10 pay the escrow Items. 'ge for holding end applying the Funds, analyzlnglhe account or verifying Ihe escrllY< rtems, unlen er Interest on the Funds and applicable law permits Lender to make such a charge. Borrower and ,wrrtlngthallnlerest shall be paid on the Funds Unless an agreemenlls made or applicable law te paid, Lender shall not be reqUIred to pay Borrower any Interest or earnings on the Funds. Lender ~r, wllhout charge, an anmJal accounting of tlte Funds shOl',lng credits and debllsto the Funds and 3ch debillo Ihe Funds was made The Funds are pledged as additional security for the sums securt l~nt. Ilhe Funds held by Lend~r, logether with the fulUre monlhly paymenls of Funds payable prior to escrow rtems, shall exceed the amount required to pay the escrow Items when due, Ihe excess she I, either promplly repaid 10 Borrower or credited 10 Borrower on monthly payments of Funds. If the ; held by Lender is not suHlclentto pay the escrow items when due, Borrower shall pay to Lender a. ) make up the defiCiency in one or more paymenls as required by Lender, In full of ell sums secured by this Security Instrument, Lender shall promplly refund to Borrower ender. If under paragraph 19the Property Is sold or or ecqulred by Lender, Lender shall apply, no I ior 10 Ihe sale of the Property or rts acqulsrtlon by Lender, eny FUrlds held by Lender at the tlma of jrt agalnalthe sums secured by Ihls Security Instrument. . 0' Payment a, Unless applicable law provides otherwise, all paymenls received by Lender under shall be applied: first, 10 late charges due underthe Note: second, to prepayment charges due und, ,nta payable under paragraph 2: fourth, to IntereSI due; and lasl, to principal due, ena. Borrowltr shall pay all taxes, assessments, charges, fines and Imposlllons attributable 10 Ihe analn prlorrty over this Security Instrument, and leasehold payments or ground rents, It any, hese obligations in Ihe manner provided In paregraph 2, or It not paid In that mannar, Borrower sha reClly 10 the person who owed payment. Borrower shall promptly furnish 10 Lender all nollces of an ; paragraph, If Borrower makasthese paymanls directly, Borrower shall promptly furnish to Lender the payments promplly discharge any lien which has priorlly over this Security Instrumenl unless Borrower: (a) he payment of the obligation secured by the lien In a manner acceptable to Lender: (b) con~esls In efends against enlorcement of the lien In, legal proceedings which In the Lendar's opinion operate 11ent of the lien or lorteilure of any part of the Property; or (c) secures from the holder of the lien an ~ry to L.ender subordinating the lien 10 tnis Security Instrument. If Lender determines that any part !ctto a lien which may anain PrIOrity over this Securrty Instrumenl, Lender may give Borrower a llien. Borrower shall satisfy the lien or take one or more of the aCllons set forth above within 10 da', I e. Jranc., Borrower shall keep the Improvements now existing or hereafter erected on the Property by fire. hazards Included within tha term "extended coverage' and any other hazards for which Llr This Insurance shall be maintained in tha amounts Bnd for Ihe periods thaI Lender requires. The )Vidlng Ihe Insurance shall be chosen by Borrower subject 10 Lender's approval which shall nol be 91d, Jllcles and renewals shall ba acceptable to Lender and shall include a standard mortgage clausa. e rlghlto hold the policies and renewals If Lender requires, Borrower shall promptly give to Lender remlums and renewal notices. In the event of loss, 80rrower shall glva prompl notice to the Insurar .ender may make proof of loss If nol made promptly by 80rro'/;er. and Borrower otherwise agrea In writing, insur3nce proceeds shall be applied to restoration or repa aged, 'f the restoration or repair Is economically feaslbla and Lender's security Is not lessened. If I~ Is nOI economically feasible or Lender's security would be lessened, the Insuranca proceeds shall secured by this Security Inslrument, whelher or not then due, \\Ith any excess paid 10 Borrower, If ,Ihe Property, or does nol answer within 30 days a notice from Lender that the Insurance carrier ha aim, then Lender may collect the insurance proceeds l.ender may use the proceeds to repair or re, 3Y sums secured by Ih,s Security Instrument, whether or notlhen due. The 30-day period will begll Nen. al1d f3orrower othe"'i1se agree in Writing. any applicatlo'1 of proceeds to principal shall not extend ( ~ lUNT.: 205619 ... ell m~ wO ;nsuranc~ 8S a cond~lon 01 making the Ie &cured blthls Socur~y Instrument, ,e premiums required to maintain the Insurance In. e/fll(;l! !lJllIsuch lime IS the requirement for Ihe .In accordance wllh Borrower's and Lender's wjiri.en~iigrailli~oti~~i!!t\N. . " Lender or ~sagenl may make reasonable enlrtes'upon and Inspactlons 01 the Prop81ty, Lender 101lce etthallme alar prior to an Inspeclion specifying reasonabla causa for Ihe Inspecllor, lon, The proceeds of any award or claim lor damages, direct or consequential. In connecllon Wllh ,r olher laking 01 any pa~ 01 the Propeny, or lor conveyance in lieu 01 condemnallon, are hereby e paid 10 Lender, I total taking orU,e Propeny, the proceeds shall be epplled to the sums secured by Ihls Security or not then due, wllh any excess p.1ld to Borrower In the event 01 a panlaltaklng 01 the Propeny. I Lender otherwise agree In wr~ing, the sums secured by this Security Instrumenl shall be reduced I oceeds multiplied by Ihe lollowlng Iraction (a) the total amounl of the sums secured Immediately tided by (b) the lair market value of the Propeny Immediately before the taking Any balance shall t, :,...,~"., ~""" ,".- . .. r .....: .." .,' -;. .. .' . ~.. ... \ s abandoned by Borrower, or If, aher nollce by Lender 10 Borrower that the condemnor oHers to altle a claim for demages, Borrower falls to respond to Lender w'thln 30 days aher the date the nOllC lorlzed to collect end apply the proceeds, at lis opllon, either to resloratlon or repair of the Proper1', by Ihls Secullty InSlrument, whether or notlhen due, and Borrower otherwise agree In writing, any appllcallon of proceeds to prlnClpel shall nOl eXlend c' lte of the monthly paymenls referred 10 In paragraphs 1 and 2 or change Ihe amOunf of such payme 'lot Raleased; Forbearance by Lender Nota Waiver, Extension at the time for paymenl or ~Ization of the sums secured by this Secullty Instrumenf granted by Lender to any successor In shall not operate to release the liability of the original Borrower or Borrower's successors In Interest 'equlred to commence proceedings against any successor In Inleresl or refuse 10 extend time for :e modify amonlzallon 01 lhe sums secured by this Security Instrumenf by reason of any demand IT" IWer or Borrower's successors In Inferest Any forbearance by Lender In exercising any right or rem. . of or preclude the exercise of any right or remedy, "Ind Alllgns Bound; Jolnland Several L1abll~y; CO'llgnera, The covenanfS and agreements C' 18nl shall bind and benefit the successors and assigns 01 Lender and Borrower, subject to Ihe provi! ,rrower's covenants and agreements shall be joint and several. Any Bottower who co.slgns this Sec , not execute the Note: (a) Is co. signing this Secullty Instrumenl only to mongage, grant and convei 'est In the Property under the lerms of this Security Instrumenl: (b) Is not personally obllgeted to pa.. Ithis Secur~y Instrument: and (c) agrees that Lender and any other Borrower may agree to extend lake any accomodations with regard to the terms of this Security Instrument or the Note without senl. gIS, If the loan secured by this Security Instrument Is sublectto a law which sets maximum loan N Is finally Interpreted so that the Interest or other loan charges collected or to be collected In loan exceed the permitted limits, then: (a) any such loan charge sha'l be reduced by the amount ,the charge to tho permitted limit: and (b) any sums already collected from Borrower which exceec Je refunded to Borrower Lender may choose to ma~e lhis refund by reducing the pllncipal owed I making a direct payment 10 Borrower. If a refund reduces principal, the reduction Will be treated a! vithout any prepaymenl charge under the Note. 1 Affecting Lender'. Rights. If enactment or expiration of applicable laws has the eHect of lion of the Note or this Secullty InSlrument unenforceable according to Its lerms, Lender, at its optic 3te payment In lull of all sums secured by this Security Instrument and may Invoke any remedies aph 19, If Lender exerCises this option. Lender shall take the steps specified In the second paragra~ IY notice 10 Borrower prC'lided for In this Securrty Instrument shall be given by delivering it or by ;s mall unless applicable law requires use of anolher melhod. The notice shall be diracted to the any other address Borrower designates by nollce to Lender Any nOlice 10 Lender shall be given t lder's address Slated herein or any other address Lender designates by notice to Borrower, Any nt ;ecurity Instrument shall be deemed to have been given to Borrower or Lender when given as pro', ..-- I law; Severabll~y, This SeCuTlty Instrument shall be governed by federal law and the law of the the Propeny is Iccated.ln tho e'lent that any provision or clause of this Securily Instrument or the Ippllcable law, such conllict shall not aHect other provisions of tills Security Instrument or the Note eHect wlthotJtthe conlllcting provis'on. To this end the provisions of this Secullly Instrument and t~. } be severable, s Copy. Borrower shall be gIVen one conformed copy of the Note and at lhl~ Security Instrument , the Propeny or a Beneficial Interest In Bottower, If all or any pan of the PrOPerly or any ~ CC"'"'ANTS. 50rrO'N~r and Lorder further co'enan' 'nd agr" u tollows: ,nj A. I... L.ndor Ih.1I gi'" IlOUC. IU Borrowor po ) .cc.lor.Uon lOI,lowlng BOl/owor'l IInl or .gtl.m.nl In Ii'll. S..,ullty Inltrum.nt (~~~~,I.oLl!~lIllo,:,,~ pat!lI,.ph. '~.r> N p,ovld.1 olorhwll.), L.ndor Ih.1I no Illy BorioiIV" OI,;.-mo"golblt.tllt"OfI.@,ihiel.,.uII: {bJln. JtI Ih. d.f.ullj (c) wh.n Ih. d"'UII mUll be cutld~ .nd (d) lhol f.llure 10 our. Ih. 1I.,.u11 tI lpoolll ,.1I0n 01 Ih. .uml I.cured by Ihll S.CUrlty Inl"um'n!, lOtlclolure by lulllc',' ptoctldlngl .nd ul. I Ih.1I 'urlhor Inlorm BOl/owor 01 Ih. rlghl 10 relnlt.to .IIor ,cc,'or.Uon.nd Ih. rlghl 10 ...orl In \~ Ing Ih. non,"'llInc. of . d.I.ull or .ny othor d,'.n.. 01 Borrowor 10 .cc.lorlllon.nd lotlclOIUrl ,.lI '" lpoclfl.d, L.nd,r .t II. option m.y tlqulrt Imm.dlll. paym.nl In lull 01 .lIluml ..outld by w1lhoU1lurthor d.m.nd .nd m.y loroclo.. Ihll S.curlty Inllrum.nl by lull,c',' ploclldlng. L.ndor oll.et .1I..ponullncurrod In purlulng lh. rom.dl.1 plovld.d In thll por.groph ''',Including, but 'I... .nll cOlli 011111. ..Id.nc.lo Ih. .><t.nl pormltt.d by .ppllc.bl. I.w. '>ou.nlon, Upon acceleration under paragraph 19 or abandonmenl Of the Property, Lender (In by judicially appointed receiver) shall be enllUed to enler upon, lake possession olll'ld manage the ~cl the renls 01 the Property Including those past due, Any renl5 collecled by Lender or the receiver to paymenl ot the cosls 01 mandgemenl ot the Property and collection of renls, Including, but nel tees. premiums en receiver's bonds and reasenable attorneys' fees, and then 10 the sums secured t 'ent. Upon paymenl of all sums secured by this Seculily Inslrumenl, Lender shall cancel this Security :harge to BOl/ower, Borrower shall pay any recordaUon COSIs, n.nl Period, Borrower's time 10 relnstale provided In paragraph lB shall e>Ctend to one hour prior 10 ot bidding at a sheriff's sale or olher sale pursuanllo this Security Inslrument. Mon.y Mortgaga, II any of the debl secured by this Securily Inslrument Is lenllo Borrower to acqui this Securny Instrument shalf be a purchase money mortgage II. AIt.r Judgm.nt. Borrower agrees Ihal the Interesl rele payeble efter a judgment Is enlered on th 01 Mortgage foreclosure shall be Ihe rele payable tram time 10 time under Ihe Nole, I'll, S.eurfly Instrum.nt. II one or more liders are executed by Borrower and recorded logelher witt lenl, tho covenanlS and agreements of each such rider shall be incorporaled into and shall amend a enanls and agreements 01 this Security Inslrument as d the rlder(s) were a part 01 thl, Securfly lppllcable OOx(es)) Rale Rider 0 Condominium Rider 0 2-4 Femlly Rider , Payment Rider o Planned Unll Developmenl Rider , i / ;' I I ,/ .peedy) <l'f/......(~ tJ II I' ELOW, Borrower accepls and egrees 10 It,e terms and covenants contained In Ihis Securlly 'Y rlder(s) e.ecUled by Borrower a"d recorded W'lh n. 1/ ,I ry..-J..,v:...:J ,") --. ' ~/.\ ("" .....;..c. " , ' BARRY K. ST~EIN /. I /' . ,~ - __ .../: ... .J..,:::,~........ (SUI .BoUDW.' ~aJ, . " IStal, .Borrow., ISUI, .80"o~', tSpec;. Bela.". HII. L.ln. Fo/ ACllflow1ed;m.,,11 \LTH OF PENNSYLVANIA, Counly 55: .... -oJ).. , ~, '. . ~ day of _',.... fJ U 0'. /'" ~ ,19( ./ , before me, -....--- ~ '., . " Al.~ THAT CFJlTAIN lot or troct 01 land .It....t. In tho Iloro"'lh of llechanlc.buri. COUnty 01 ClWoerlond and Stott 01 P.nn.oylvanlo. II10n po.tltularly bounded ond de.crlb1d .a tollow'l BmGINNtNO at . point on the ..,ttrn lid. 0' York Street Clrcl., whlch point 1. ot tho lln. dlvldlni Lot. Noe. 20 and 21 on th. h.rolnolt.. mentioned Plan of LoU I thonc. olOt'l<j tho ..... SOUth B'I dlllrH. J9 lIIlnutN Eut, 120 fHt to 0 point on tho lIn. of Lot N<l. I'll thonc. olon<j tho lIno dlvldl"'l Lot No. 20 f.... LoU No.. 111 and B on ..Id Plan. South 00 dellro.. 21 !Illnuto. ....tl 65 hot to tho Uno dlvldlll\l Lot. No.. 21 and 221 thlllco alon<j tilt ...., North B'l dellrH. 39 Illnuto. Wo.t, 120 fett to the taatlrn lin. of York Street Clrcl.~ thine. &1Qn9 the ...., No.th 00 dt<jr..o 21 Illnuto. Eut. 65 fo.. to tho point of IIIXllllNrtla. BEING Lot No. 21. Blod J. on ClI. Plan 01 Wynnowool Park. COUnty Recordor'. Olflcol In Pion Book 2J, POio 175. BEING _ AS 61a Xork SU...t Clrclo. IEII<<l nDl SAIII: PRDlISES W1tIClf RutMU E. Cook and SlUAM~M' ook. hu.bond and vito ' by tlltl. Doed "'ted Sept_r 251 l!lll9 and l"tondtd to be fo thvlth duly roccrdedl i.an: and convoyed ,",to Ilorry K. Stabltln. 01ll\l1l_. / ,. ; . , ;,< " " I " , ';., .;, . ~....., ':- /'. , ' , , " " . ''-'', ~ a: ~. '"" ~ :: ...:-; ~c.: . ,., , .,...~~ . ~..... ~ 'f(;... 'J"~ ;t~~:,:.1S3 .. ..,..'.,-~0 ":"*"'.j~ I~ --:-/3 ~~ , ': b-oi ~J~3 Il(t ~ 17 I ,. li/fus Mong. ''''J>, I ..:- .....-::f.-,~a.7\".:-,.. 'lA(1t..;,-,.-..~... , '7c;~~?:!,:"~ ~ t' .. l'~IU,,,,"f:..~~.~.~ :~" . "'. '.l;, .. . ;.~,~:i!., ,J,l ',I.. ~" L I, ,t;1 'It ~ ... ,;, ~ r .:. c i. ii', '.. .~ to to" ":&" "t.. . r, I 'CC1'~:~~ '" ,C.. 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"~'Io T"'15 L:"CEA, ~II if)'1. 4 ~~l~i~i!"!~!~',~!":~=\l~!~80~tGl~r..lc,.i~:\1~1~Crol~ Itl~E =~I'~;I,I~ ( ;) ...IYS 1~ E Y~r. ~.T~ '~~ ~IS ...:~ !'.~. ''''to """E, ''=.....E5~ .\,~ hl..~~"'C~: ~.I."":C" CF CUIi P(P~Est~'d"'I'1f I~: ". '-. ~i~CPLI.S fIo'.'~~;~ ~~.; -,0; -\:., eEl ..1"1_ 51' ...,t ~I,M, ,).~f~>~Cll il"~l5""" T~~ 'll~~1 ~~c &~;;(~~(~ CF ~i~:~'~':: .C~S~~E' C~lOI' ~i~'~~LI"~ t~~:Stfi J~~iS~i:~(:~:.~;li '~€tJ7t~. ,;~~'!~c~~cISAEe~~E~'~l!~t~~~l~ p...~:;..'..L' :~ VeL.. 1',Ji..nr:'5. 'f~','; .:'-'7,1-( I~ t'" "=II..l..' ~iC~'.~. _' "~..i FiIL!~ Ir> PAl :,;"..:.r., ~'.d"LI...~",d ~ ::I.l'~I'H. &..... 1...,-:.. ;(. :: "E.'w -({,I. ~:~ , l"~:)r:" ~j: .n ..l.:..,d U.J.r, lee) .:atS. CLf. J .. l....J"..., r .. cO: 1': ~A~C~l~~ ~..~r~&w' :~,; ;.. ~. :c. ",.,.... ;:..:.t L I.~ _' ~", '''''CPtIC. " 7-:1t!"l;el~ ". ...~.- --,--- --'-------.------.---- --.-------..-.-" " VERIFICATION Nencv A. Worth, ESQUIRE, herebv stetes thet she Is the Attornev for the Plelntlff In this ectlon, thet she Is euthorlzed to make this Verification, and thet the stetements made In the foregoing COMPLAINT IN MORTGAGE FORECLOSURE are true end correct to the beat of her knowledge, Information end belief. The undersigned understends that this statement herein Is made subJect to the paneltles of 18 Pa.C.S. Sec. 4904 relating to unsworn falsification to authorities. SHAPIRO & KREISMAN Dated: 5jJa./q" BY: ~ NANCY A. ORTH, ESQUIRE Attornev for Plaintiff '..'." , . ., , " .J i 'I I :1 >Ii I:' IT ,,I J' 'f I) I ' . 1"'-] ;l~' . 'i, I ,j \ ,( ',"'" : IJ; 'I' , ~;,' t' :, t" " , '1,',1;\ I 't'i.l I, f:!. ,) , I ' llt'v: "~I "', :">;,1 ' 't" i ' 'il'iill , ,IV,,!!,"l f"J1"', ;t.' . , 'II" 'I' ',', " !" ; i: :j':, 'i" ;,' l,' I , .' I. ,'; ,,'L ; ,1b;, Ii' ~:I ',~:I'I; :ji i.' ''1' ,I, ",\, /J ji, " I"} '" 'i' I, I, . \ ' 1.,1 ~i I, '"t, . ~ I I ',.ll . I' (, , 1"'.. 'it \ i " \ I " "r' , , ~ - , ,. '.' ,. , . I I ". I ~ I', ,01 I i " I ,I !! \ , . . .. I . \ .. tfi ~,. ti ,I ~j \., ~' I,' . I i I I, I. - r.':.... ~;) rJ ! \ , \ , ( ~. I ,: I :\ i( I . , , I I I " . 1:'" '...<Il "'\ III III :.\ ...-lolttJ; .~ Ill~ - :>,;j C. 1tl,C ..... . lJl ~~ ~ :>. 8: ~.., ... ~N (... -! dl;~ if 1 ... ..." "'- '~~=fI':\ .,; if- i ~.. :Jt"! ~ . . . ..~i . Q) R J ';1 ill ~ ~ i ' ,.{,.~!, co ~'" a~ f ~'Il ~i~~ I I , . .> :,',~~ . :' , . " . . . ... . i,1 " . p, I\~; . . ,.' ~J.;' ":... ' 10'11"14' i jl, . Li. I : , ','.j ~ . I ~, , . \ . '-.--'7.-..... .1,,,. _'_.._. .. .' . . . " I , I ~. , " ',. .' . \ '1,' " \ ~..., '" l' , 'I' e , " 'f1,\ V ;' 1'\ ".' ~. ~ ~' . , I , . ,/Ji .' jl., <), f I' , ': \' ~ , \ ;ft I' ~l ' t I ' I, , I. , , /wi . , " . ; ./ I F I , / . ' SHAPIRO AND KREISMAN BY: NANCY A. WORTH, ESQUIRE AND CHERYL L. VILLAUME, ESQUIRE ATTORNEY 1.0. NO. 50596 AND 70044 sOUTHPOINT OFFICE COMPLEX 1160 WEST SWEOESFORD ROAD, SUITE 350 BERWYN, PA 19312 TELEPHONE (610) 695.9240 5 &. K FILE NO. 96.9427 Barnett Mortgage Co. C/O BancPlus Mortgage Corp. 9601 McAlllstar Freeway P.O. Box 47524 San Antonio. TX 78216.4605 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: qt, - ~'1 &7 (j~ ~L~.l Barry K. Stableln 224 Brian Road Enola, PA 17025 DEFENDANT(SI - . - - .' '. -, , ..' '-',' - ,,;' -- .. ,., .~ , '. ~ "I' , ,,' .M ;:., .., . . -, ; .. '.:.: :. " VS. COMPLAINT. CIVIL ACTION 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 1201 DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BV ENTERING A WRmEN APPEARANCE PERSONALLY OR BV ATTORNEY AND FlUNG IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST VOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BV THE COURT WITHOUT FURTHER NOTICE FOR ANV MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEf REQUESTED BY THE PLAINTIFF. VOU MAV LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO VOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO No'r 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 4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013 TRUE COpy FROM RECORD 17171240-6200 In Testimony wherao1, I here unto set my haAd and th I of r,;l 011" at CarliNe, Pa,! Th :.+f, CIa' [Ll4-1. t 9...i.lc.. ._.'/ ",-~n ry . Ylr'J1 \0;; 1.:\'-.. I C\\S " L, ',' I,.' ! " ,,' ,I, ! , , , , -...-", ". '., ...--.-.-......... , ., I' '" l! " ., PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. , ' \ , , ' , ' t i I . ' ....j NOTICIA LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUI ERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, USTED nENE 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 SUS DEFENSAS 0 SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDf.. LA CORTE TOMARA MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVI50 0 NOTIFICACION Y POR CUALQUIER QUcJA 0 ALlVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE PERDER DINERO 0 SUS PROPIEDADES 0 OTROS DERECHOS IMPORTANTE5 PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. 51 NO nENE ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO. VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. COURT ADMINISTRATOR 4TH FLOOR. CUMBERLAND COUNTY COURTHOUSE CARLISLE. PA 17013 (717) 240.6200 ld) AsslQnments: Assignor: Broadvlew Mortgage Company Asslgnee:Flrst National Bank Date of Assignment: October 16, 1991 Recording Date: October 29, 1991 Book: 406 Page: 657 Assignor: First National Bank Assignee: BancPlus Mortgage Corp, Date of Assignment: September 1, 1992 Recording Date: November 30, 1992 Book: 432 Page: 341 Assignor: BancPlus Mortgage Corp. Assignee: Barnett Mortgage Co. Dete of Assignment: As recorded Date Assignment recorded: As recorded Book: As recorded Page: As recorded .2. Plelntlff Is, therefore, either the original Mortgagee named In the Mortgage, the legal successor In Interest to the original Mortgagee, or Is the present holder of the mortgage by virtue of the above-described Asslgnment(s). 3. Eech Mortgagor named In paragraph 1 executed a Note as evidence of the debt secured by the Mortgage. 4. The real property which Is subject to the Mortgage Is generally known as 612 York Circle, Mechanlcsburg, PA 17025 and Is more specifically described as: ALL THAT CERTAIN lot or tract of land situate In the Borough of Mechanicsburg, County of Cumberland and State of Ponnsylvanla, more particularly bounded and descrlbad as follows: BEGINNING at a point on the eastern side of York Street Circle, which point Is at the line dlvlolng Lots No. 20 and 21 on the hereinafter mentioned Plan of Lots; THENCE along the same, South 89 degrees 39 minutes East, 120 feet to a point on the line of Lot No. 19; THENCE along the line dividing Lot No. 20 from Lots Nos. 19 and 8 on said Plan, South 00 degrees 21 minutes West, 65 feet to the line dividing Lots Nos. 21 and 22; THENCE elong the samel North 89 degrees 39 minutes West, 120 feet to the Eastern line of York Street Circle; THENCE along the same, North 00 degrees 21 minutes East, 65 feet to the point of BEGINNING. BEING Lot No. 21, Block J, on the Plan of Wynnewood Park, as recorded In the Cumberland County Recorderls Office, In Plan Book 23, Page 175. BEING KNOWN AS 612 York Street Circle. UNDER AND SUBJECT to e 25 feet wide building set-back line from York Street Circle. UNDER AND SUBJECT to a 10 feet wlda sewer easemant of the Eastern portion of tha premises. UNDER AND SUBJECT Nevartheless to easements, restrictions, reservations, conditions end rights fa wey of record. BEING the same premises which Russell E. Cook and Suzanne M. Cook granted end conveyed unto Barry K. Stableln by Dead datad Septamber 25, 1989 and recorded In the Office of the Recorder of Deeds for CUMBERLAND County on September 26, 1989 In Deed Book E 34, Page 579. 5. The Name and moiling address of each Dafendant Is: Barry K. Stablelnl 224 Brien Road, Enola, PA 17025. 6. The Interest of each Individual Defendant Is es Mortgagor, Real Owner, or both. 7. The Mortgage Is In default because the monthly Installments of principal end Interest and other charges stated below, all as authorlzad by the Mortgage, ara due as of November 1,1995 and have not been paid, and upon failure to make such payments whan due, the whole of the principal, together with charges specifically Itamlzed below are Immediately due and payable. 8. The following amounts are due as of MAY 16, 1996: Principal of Mortgage Debt due and unpaid $12.626.55 Interest currently due end owing at 9.875% per annum calculated from OCTOBER 1, 1995 at $19.65 each day Late Charge of $33.00 per month assessed on the 16th of each month $4.480.20 $297.00 Escrow Balance (Credit to Defendant) $1499.831 Attorney's Fees $3.000.00 TOTAL .~ 9. Interestaccrues at a pel' diem rate of $ 1 9.85 for each day after MAY 18, 1998 that the debt remains unpaid, and Plaintiff may Incur additional attorneys fees, as well as othar exponses, costs and charges collectible under the Note end Mortgage. 4._'_ ~ _~... 4 ._.__..- .-....' ..,--'- /, \101>--, "- ,...., tCllJlft /10 Jt" O:?<!.s ~o 7 .......,.... ...,.. ....~....,...,. '. ~.~.~;'I\"~. _ " ....\.~~~,. ~"'~'."~~L,.;~tHl. . ..,i..h....:e""""'~~,.~~A .~~~i.... ....I:'...,,~... 'L. .,..,.,.......... ., .~.:t~.~.....~:T '6-.' '&3 El' ~ ~ '" :5 ,I: ~..." >>...,,.., ~.~.'" "'_.'''' o.'~ " MORTGAGE THIS MOATO'OS iSocu,rty '""'Umlnl'j., 0"" on SEPTEMBER 25TH 10 19 ThtmonOl~O'" BARRY K, SUBLE1N. UNMARRIED r8olt~''') Tn.. Slcutlty In,trlJm'r'lIlI ".t" 10 BROADY IEW MORTGAGE COMPANY ,,,,",,,",, orOl""'" lno 1""'"0 I.nd,nneIlwIof OHIO Ind....hOU.dc:H.Ull 9~5 HtGH STREET. COLUMBUS, OH 10 4108\ ('l,",w'! lIo"owttown Lena., U'l, gfll'lCIOII ,um of SEVENTY .SI k THOUSANO DOL LARS ....................... ...........................OI,)lI.r,(U5 S 16000.00 ) ThIIQ'bll"vlCl,nc~byBo"Q\I'IoIr''''Cl'' dllto Ih, lime dll, n 11\'$ S'CU',I~ Inllrumant l-Noll"). ""hieh ~rO'ld" lor monl/'lly Plvm.nll with Ihtlull d.et. It not PlId Ultlfr, dl,lf 'nd PlVlblt on ac TOBER I I 2019 Thll Secur"y 1"'lrumenc IKurllla L.lndlt ("11'1. rfIPoly",.nf of Ih'11.bl l'Ild.ncld by 11'1, Noll, 'iflll'llnllr"l. and .11 r.~.ll, .lnenllon,.nd n"lOcU11C1Itonl: (b) In. PlV'".nl of .11 otl'l.r luml. Wllh Inlttlll. lId'lI"Ctd undlr par.oraph 710 PfOlKI U,. IICU'"Y of 1"'1 SKUllly In,lrym.1'lI Ind Ic) Ih. performanc. of BorrOWtt 'COIII","ll.na ,or"m.nll und.r 'I'll' Securlly InlUutnt"l .nd In. Noe._ '01 11'111 purpolt. Bouowtt ao" ".,.by mongao.. 0""1'1\1 con"IY 10 L.nder I", loIIOW1no dll':t.btd pr~n)' localtll'" CUMBERLAND Coun"/. PIM'yl~.niI' " SEI ElOIIB1T 'A' A1'I'AaIEll wNch "",,," odd"" 01 612 YORK CIRCLE P."n.~.nll 17055 1Z0\:ooll IIIIMlI ('Prolllny.dd'....). MECHANICSBURG ,r;." TOGeTHER WITH ,II In. ,mprO"',m.nl' now or I'I.r.lfI.r .rl-:11O on I'" prCPI"Y Il'ld .lIl1um,nll r.~hIS eopUnlrl r.ntl. rov'llIlI. mll'.,..I. od end OIlS rlQhtll/'ItJ prolits. .....ter righI' II"ld ,lOCh and 11I1.lnurn 1'-;/11 or hl"lfI,r. PI" oIlnl C I)' All ttpllClm,nll .nd Iddlllonllhlll.l,o De co...,rerd by Ihll S.curllV Inllrum.nl All of Ihl'or.golng I' r.f,rrerd 10 in II"..., Security Intlrum.nl II '''' "!tropeny' BOAFlOWEFI COVENANTS lhal Bortower 1,1.W'f~lIy ,ollld 0' \h,"1111 h.rlby con'llyld Ind ha, 11'1. rlOhllO mO"Olg., Qr.n'lnd conv.y I"e Proplfty and Ihellt'l. Prop.fty II untncumbtttd l"c,pllor ,ncumbrlnCII of rtcord BOtrO'Nlr warranl,.nd wJI del end gln.,.lty IhlllllllO 11'1, PrOIJIr1Y1otlnltlU clalm,.rod d.mar'IC'. lutljKIIO any tncumOranets 01 "~cord THIS SECURITY INST~UMI:NT comtllr,t$ unllofm CO"'ln.nll 101 n.t.c~1 1.111 Ind non.ur,r4crm eo....na,.,ls wllt'l IImlled '1allalions by Jwll~IC:'On 10 cc.nSllull a uniform 'fCll/,I, ,1'.5!r\.lmlnl eO"'lrlng rill prOP'M'f OJC' Ua:.J II:! a J.} ACCOUNT I: 20\619 " '-- CC...'\C.....1 \'''...' & . OR. 0.... ~",~l, __,..,... I ',." r:('In.. ,,,,C:"'C1If1IH.,,T __......... ''''0 " ., -....... ......" .~~n 1":"\\A" :....::,~~~..,~~ - ~.: "-~ .... . ..."~-' .....~.. . It . .r. . r....fo... _ ..", . ~-. - . .rr. ... ""1" 1..... ",.t I ... '........1 IENANTS Borrower and Lender. enant and agree IS IOIlows Prlnclr" and Inlernt; Prapaym.ntand uteChtrge. I:lorrower shall promptly poly when d~e nterllt the debtev1cJenced by the Note and any pr mentend late chargel due under the Not ullend InaurancI, Subject to applicable law Qf..lq f,~!!l~~.~_ by .I-!..~!~ Borr!'W" . ahall pay I mO'1thly paymenls are due under tile Note, unll tne 'NOli Iii piId III ~1l1iim ('Fuilda') equal 10 !4rly taxes and assessments which may analn priority over this Security I",,'rumen!; (b) yearly or ground renlS on the Property, H any; (c) yearly hazard Insurance premiums: and (d) yearly premiums, ~ eny These Items are called 'escrow Items' Lender may estimate Ihe Funds due on It , and reasonable eslimales ot tuture escrow Items. I be held In an Institution the deposits or accounts 01 which are insured or guarantaed by a lederal c Ing Lender d Lender IS such an Institution) Lender shall apply the Funds 10 pay the escrow iteml. -ge tor holding and applying the Funds, analy2ing the account or vellfylng Iha escrow Items, unlass er Interest on the Funds and applicable law permits Lender to make such a charge. Borrower and I writing Ihat interest strall be paid on Ihe Funds Unless an agreement Is mada or applicable law 'e paid, Lender shall not be requited to pay Borrower any Interast or earnings on the Funds, Lender ~r, without charge, an eMual accounling 01 thll FundS Sho,'"ng creo,ts and dllblts to Ihe Funds and lch debit 10 Ihe Funds was made Thll FundS are pledged as addllional security tor Ihe sums secure lent. I the Funds held by Lender, together With tl1e lulurll monthly payments 01 Funds payable prior 10 e,scrow Items, shall exceed the amount requited to pay the escr~w Items when due, the excess s~e " either promptly repaid to Borrower or credited to Borrower on monthly payments of Funds. It the i held by Lender Is not suHlcient to pay the escrow ,Iems when due, Borrower shall pay to Lender a: , make up the defiCiency in one or more payments as reqUl/ed by Lender. In full 01 all sums ucured by this Securrty Instrument, Lender shall promptly relund to Borrower ender, It under paragraph 1 91he Property Is sold or or acquired by Lender. Lender Ihall apply, no I lor to the sale ot Ihe Property or Its acquisition by Lender, any Funds held by Lender at Ihe time 01 JIt agelnsl the sum~ secured by this Security Instrument, . 01 Paymlnt., Unless applicable law provides otherwise. all paymants received by Lander under shall be applied: flrsl, 10 lale charges due underlhe Note: second, to prepayment Charges due und, ,nlS payable under paragraph 2; fourth, to Interest due: and last, 10 principal dua, Ina. Borrower Shall pay all taxes, assessments, charges, fines and Impositions anrlbutable to the analn prrorlty over th'S Secul/ty Instrument, and leasehold paymenls or ground rents, If any. hese obligations In the manner prcvided In peragreph 2. or d not paid In that manner, Borrower sha rectly 10 the person WhO owed payment. Borrower shall promptly lurnlsh to Lender all notices of al' ; paragraph, II Borrower makes these payments directly, Borrower shall promptly furnish 10 Lender the payments. promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) he payment 01 the obligation secured by the lien in a manner acceptable to Lender: (b) contests in elends against ol1forcement 01 the lien In, legal proceedings wh'ch ,n the Lender's opinion operate "ent 01 the lien or fcrleiture 01 any part 01 the Prcperty; or (c) secures Irom the holder of the lien an ,ry to Lender subordinating the lien to tnis Security Instrument. If Lender determines Ihat any part 1Ct tQ a hen which may analn pnOllty over this Security Instrumenl. Lender may give Borrower a 1 hen. Borrower shall SBtlSfy the lien or take one or more 01 the acr,ons sellorth above w,thln 10 da. a. Jranc., Borrower nhall keep Ihe Improvements now existing or hereafter erected on Ihe Property by fire. hazards Included w'thln the term "extended coverage" and any other hazards lor WhiCh Ler This Insurance Shall be maintained in the amounts and for Ihe periodS that Lender requires, The )vldlng Ihe Insurance shall be Chosen by Borrower subject to Lender's approval which Shall not be ~Id, :lIlcles and renewals Shall be acceptable to Lender and Shall include a standard mortgaga clause. e right to hold the pOlicies and renewals If Lender requires, Borrower shall promptly give 10 Lender remlums and renewal nolices In the event 01 loss, Borrower shall give prompt notice to Ihe Insurar .ender may make proof 01 loss ,I nOI made promptly by Borro....er and Borrower otherwise agree in writing, Insurance proceeds Shall be applied to restoralion or repe aged, IIlhe restoration or repair Is economically feas'ble and Lender's secullty Is not lessened If rr is not eccnomically feasible or Lender's secunty would be lessened, the Insurance proceeds shall secured by this Secullty Instrument, whether or not then due, ....,th any excess paid to Borrower If ,lheProperty, or does not answer within 30 days a notice Irom Lender thet the Insurance carner ha aim, then Lender may collect the Insurance proceeds Lender may use the proceeds to repair or reo ay sums secured by this Sacul/ly Instrument, whether or nOlthen due. The 30-day period Will beg.. iven. and Borrower OlhelVllse agree In wilting. any application 01 proceeds 10 principal shall not extend ( / AI JUNT.' 205619 , 00 m( ga in\uranca as a cor1dnlon 01 making the Ie QCured by lhls Sacur,ty InSlrumenl. 1a premiums required 10 maintain Ihe Insurance l'j.a".I!I",' !\1I11 '\J.~ !If)).a as.lhe!equlramenl for Ihe o In Iccordance wllh Borrower's and Landar's 'o\~ih.igr..,",", 0; 'PPllCG1i.!taw. ., -- Lender or ns agenl may make reasonabla entrle$'upoo Ind InspeCllons 01 the Property, Lender 'Ollce .tlhelime 01 or pllor 10 an 'nspaCllon specifying reasonable cause lor Iha Ins~cllon lon, The proceeds 01 any award or etalm tor damagas, dlreCI or consoqu6nllal. In connecllon Wllh ,r 01 her teklng of any pan ollha Propeny, or for conveyanca in lieu of condamnallon, are hereby e paid to Lender. I 10lal laking of Ihe Property, Ihe proceeds sl'all be appll8':llo Ihe sums secured by Ihls Securlly or nolthen due, with any excess paid 10 Borrower In Ihe avenl 01 a panlallaklng of the Propeny, I Lender olherwlsa agree In wrlt,ng, the sums secured by lhls Sacurlty In61rumenl shall be reduCed t oceBds multiplied by Iha lollowlng IraCllon' (al the lolel amount oltha sums secured Immedlalely Ilded by (b) Ihe lair markal valua ollhe Propeny Immedlalely before Iha laking Any balance shall b. \ s abandoned by Borrower. or If. aMer nOllca by Lende,'lo Borrower thatlha condemnor oHers 10 ;llIa a claim lor damagas, Borrower tails 10 respond 10 Lender wlth,n 30 days aMer Ihe dare Iha nOllC 'orUed to collecl and apply the proceeds, at 115 option, e'lMr to resloratlon or repair ollhe Propany by this Sacul/ly Instrumanl, whelher or nOllhen dua 3nd Borrower olherwlse agraa In wrillng, any application of procaodsto principal shall nOI eXlend or Ite of the monthly payments relarred to In paragraphs 1 and 2 or change the amounl 01 such payme ~ot Rela.sad; Forbaarlnce by Lender Nol. W.lver, ExtenSIon of the lime for paymenl or 11zallon or the sums secured by this Security Inslrument granled by Lender 10 any successor In shall nOI opera Ie 10 rel~asa the liability of 1M ol/glnal Borrower or Borrowar's succassors In InlaraSl 'equlred to commence proceedings against any successor In Interesl or reI use 10 extend lime for ;e modify amonlzatlon 01 tha sums secured by IhlS Securlly Inslrumenl by reason of eny demand II' lWer or Borrower's succassors In Inlerast. Any lorbaarance by Lender in exarcislng any right or rem. . alar preclude Ihe exercise 01 any right or remedy. lI.nd Alllgns Bound: Joint and Severel Liability; CO'llgners, The covenants end agreemenlS 01 lent shall bind .nd benef~ Iha successors end assigns of Lender and Borrower, sublectto the provll ,/Tower's covenants and agreemenlS shall be lolnl and several. Any Borrower who co-signs this Set. ,not execute the Nota: (a) Is co'signlng Ihls Security Insl/umant only 10 man gage, grant end convey '''tin the Property under the lerms 01 this Securily Instrumonl: (bl is not personally obllgaled 10 par ,thiS Security Inslrumant; and (c) agrees Ihat Lender and any Olher f:!orrower may agree 10 extend, ,ake Iny acr.omodatlo~s wllh regard to the terms 01 this Security Inslrument or Ihe Note without sent. glS. It Ihe loan secured by IhlS Securily Instrument is subject 10 a law which sels maximum loan N Is finally Interpreled so Ihallhe InlereSI or olher loan charges collacled or 10 be collected in loan excead Ihe permitted IIm'ts, Ihen' (a) any such loan charga shall be reduced by Ihe amounl .the charge 10 Ihe permitted IIm'1: and (b) any sums already collecled Irom Borrower which e.ceee: le refundad 10 Borrower. Lender may choosa to ma.e this relund by reducing Iha principal owed I making a dlrecl payment 10 Borrower. II a refund reduces pnncipal, Ihe reduCl,on ....,11 be Irealed as vnhOUl any prepayment charge under tt'e NOle. I Alflcllng Llnder'l Rights, It enaclmenl or expl/allon 01 applicable laws has Ihe eHect of ;Ion 01 the Note or Ihls Secullty InSlrumanl unenforceable according 10 Ilslerms, Lender, 11 haptic 31e payment In full of all sums secured by Ihls Secullty Instrumenl and may invoke any remedies ~ph 19, If Lender exarclses Ihls opllon, Lander shall take the steps specllied In lhe second parlgrlpr IY nollce to Borrower prC'Jided for in Ihis Security InSlrumenl shall be given by delivering n or by ;5 mail unla.s applicable law requires use of anolher method The nolice shall be direcled 10 Ihe any olher address Borrower designates by nOlice 10 Lender Any nOlice 10 Lender shall be given b', ,del's address Slaled herein or any other address Lender designales by nolice 10 Borrower. Any ne iecullty Instrumenl shall be deemed 10 have been given 10 BorroY/er or Lendar when given as provk ..-- Il.aw; Severability. This Secullly InSl/umelll shall be governed by fedarallaw and the law or Ihe the Propany 's located. In the e"enllhal any proviSion or clause 01 thIS Secullly Instrumenl or Ih~ Ippllcable law, slJch conllicl shall nOI aHecl 01 her prOVISions of this Secullty InSl/Umenl or Ihe NOle eHecl W,lhoullhe conllicl,ng prOVision To this end lhe provisions Ollhis Secur,ty InSlrumenl and th( ) be severllble. s Copy, '3"rrower shall be g!\'en one conformed copy ollhe NOle and of this Security Insl/umen!. 1 the Propeny or a Beneflclellnt.reslln Borrower. It all or any pan of the Propeny or any ~~,;ii;;'~:;~ ~ ,'~:t,.':'~":'~":'.'. . .:. ", . Al.~ 'l'HAT CElITAIN lot or tract ot lard olt""to In tIlo BoroU\)h ot _hoIlleabur,. Co\lI\ty ot t\lntlorland and Stoto ot Porwylvanlo. Ill.. particularly bounded and dtlerlbld .. followlr $EGINNINa .t I po1nt on the 'AAt.rn Itd, of Yock Street Clrcl., whlch point 1a at the lln. d~Yldln9 ~ta ~, 20 and 21 on the h'r'lnaf~'r mentioned Plan of t.oUf thene, .1009 th, 1oIJN, South 89 df9t'H' J9 lI\1nut.. toUt, 120 t..t to . polnt on tIlo IIno ot Lot No. 19, thone. 01""9 tIl. Uno dlvldll'oCj Lot No. 20 trClll ~oto No.. U And I on uld Pllll, SOuth 00 Of'QrH' 21 &tnut,. ....t:, 65 fe.t to th. lint dlvldlnq Lota Noo. 21 and 22: thone. 01""9 tho ..... Ilortll a9 clt9rMo 39 a!ouuo WI.t, 120 teet to thl E&at.rn l~ne of York Str..t Clrel.s thine. lion; the ...., Ilortll 00 clt9rM' 21 Nout., lutl 85 tMt tQ tIIo point ot IIIXlIHIIlNO. BEING Lot No. 21, Block J, on tII. Plan of Wynn.lIOOd Park, .. recorded In tho t\lntlorland Co\lI\ty Record.r', Ottleo, In Plan Book 23. P,g. 175. BEINO _ AS 812 ~ork StrMt Circle. IEn<<I no! SAllE PRIIIISI:S WHICH R.......U E. COok and Su.zaM~"' ook, huabend ~h by th.lr Cood d4ted SeptOlltlt. 25, 1989 and Int.ndod to be to tIIwltll duly 'toO ,gron and ecrwoyod WltO lorry K. Stableln, oll'oCjle ...... .. ~ , ;. . z..... ~. " '" / '. , ' " . " '. ~, .. . .. 01 '" ....., 'of" :. .:-::c.;.,.. . :. ;':''!:~;1' ~qS3" ~/3 ./:::..:.~,:~ ~~ , ., -.. "3 'I"' blOl ,):) ,~" ;) , I . '. . VERIFICATION Nency A. Worth, ESQUIRE, hereby stetes that she I. the Attorney for the Plaintiff In thl. action, that .he Is authorized to make thl. Verification, and that the statement. mede In the foregoing COMPLAINT IN MORTGAGE FORECLOSURE are true end correct to the best of her knowledge, Information and belief. The under.lgned understands that this statement herein Is made subJect to the panaltles of 18 Pe.C.S. Sec. 4904 relating to unsworn falsification to authorities. SHAPIRO & KREISMAN Dated: 5fJa./qt;, BY: ~ NANCY A. ORTH, ESQUIRE Attorney for Plaintiff ~F '-\" , " ~ .. I , I , '~ i', ,\~ i I': I I '~ i I' , ., , ')}, ": Ii" 'JJ ~,;1 ':', " 'I' 'iI' ,: ;i, ;'-'J rr: ," t-)J' j' I '~, t 1 'lfJ! J, J ,1'1'" ! ' OJ'l ; ","~ .' cl :1 1:,11" " or,; .... ,: " i'Il!: ,! ~[I'I \fl;",~!, ;;:'\1'11 ' l;:,'i-.L' 'h,: 'I. i" L\tlJri I ;'-,1.'1) ; t'-l"'..,f , ';.,Vi !),) \'1',1.1." ,1''\') i./ , !,!I ::J' 1.: 'I ',,~ ~\. f' : I -.." I"J',!' '_'illll j, ' '.,_,1 t':~ 1'1,;, 1'\li\,' , I:,) , I_,J 'i,"; , , '\ . . ~j~~ , ~ l~ I ~'it 01 so. i ~i . i ~ ~i o 0 0 ,...1 \" H, " , , , , , , * 'J ~ I ~' ",., ,t r' ,~ '. ' ~ . " .' , jj I J~ I I, '. \ 1 " , I i i " "" '. i' '" It.' , I~\" " ~ " " '1'/' ' '1.1 ""1.. ;'. ,h r "I' " '~''f'\ ' ~ ~'.ljn" I '\~;' ,. , '.;~t.~, " , f' .1;' I,:' , , }". ~. '! ,~ , , :~" , , , I ',' " " I I \ ''J !li \ '" ;, \', t 'I l" \ I, , . I I, 'i ( r', , . ' \ , '~ ill. , " j' .' ,. , ll, t ~" oW' CIRTIrICATB 0' SlaVIC. 1'1 -,11 ; ~ I, Barbara A. Shadel, an employee of the law firm of Purcell, Krug & Haller, do hereby certify that I served a true ann correct copy of Plaintiff's Praecipe for. Listing Case for Argument upon the following by depositing same in the United States Mail, First Class Postage, Postage Prepaid, addressed as follows: Michael Bangs, Esquire 302 South 18'h Street Camp Hill, PA 17011 Attorney for Defendant, Barry K. Stablein , " , t1L){ ,b..1i. /11...... (~ Jl~, A-IA. Barbara A. Shadel " Dated: 1/!A'i/1? " l , " "I, , I ~ 1'" ,( B LI':, , .. , N ~' "" r'c. ,'~- : f!j" "il (;f I ,,!.It [;'~L ( I, t.J.l [, LI,~ tl. (J'I ( 0 (),) .I "'""'/'" " " ',. t'. i;- L,.; .,'. i/J I ." 1I,t' I ('L r ' 1,1.. " ,'. I ("1 C- (". ';'' ~ 'J i.J. , " J .. :J.. I . , -'" " t., , U ,,- '.J ~ Nao.la" .......' .....".. _nu. ...... 004"""1WW'I1I.'1I'1. " ~ . ~ -l:l . ' ~~p . ~: ~ ! ~ ~ ;I': ~ 1 ~ ~ ~ . " .. .. " . I i<oo-,' .1 i' , , " , . " , , " , , I , .. , , ,', , " I " , , , , " "'-' I,' " '. , , , " , , , " , , , I , I ~ i,1 , , " , , I , ' ~ W '" ~ ? o ~ I , ! I! ", i ': , " :1 ,"r' " " , , " ,. STAnllilN ~.~"lHniWJljIUl~kI4 HOMES IDE LENDING, INC., SUCCESSOR BY MERGER TO BANCPLUS MORTGAGE CORP" Plaintitl' vs. ) ) ) ) ) ) ) ) ) IN MORTGAGE FORECLOSURE IN TIlE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 96-2967 CIVIL CIVIL ACTION - LA W BARRY K, STABLEIN. Defendant RESPONSE TO MOTlON.fOR SUMMA~Y JUDGMENT AND NOW comes the Defcndant. Barry K. Slablein. by and through his counsel, Michael L. Bangs, Esquire. who tiles this Response to Plaintiffs Motion for Summary Judgment and in support thereof avers the lollowing: 1, Admitted, By way of further response, the Complaint was filed but not served on Defendant and appears to have been reinstated on or about August 12, 1996. and April 24, 1997, 2, Admitted, 3. Admitted. By way offurther response. the Defendant's reply to New Mattcr appears to have been filed on December 8, 1997. 4. Admitted. 5, Admitted in part. It is admittcd that Defcndant denied or partially denied the avennents as stated by Plaintiff, The Complaint and Answer speak lor themselves, Defendant's list of allegations which were "denied or partially denied" fails to identify the response to the allegations which were denied or partially denied and therefore the Complaint and Answer is the best cvidence of Defendant's response to Plaintiffs Complaint. 6. Admitted In pW't, Detendant's responscs are admitted, The original Answer is itsclf the best sourcc of cvidence of Detendant's response to Plaintitl's Complaint. 7, Admitted, 8, Denied, The substance of Paragraph 3 of Plaintiffs Complaint. reprinted In PlaintitT's Motion for Summary Judgment, alleges that Defendant '.. "executed a Note as cvidence of the debt secured by the mortgage," However, PlaintitT fails to identity or attach to the Complaint the HNote." 9. Denied, The Affidavit provided by Plaintilhttached as Exhibit A is a copy ofa mortgage document. 10, Admitted, II, Admitted, 12. Admitted, By way of further response Plaintiff pleads a mortgage amount of $76.000,00 (Plaintiffs Complaint Paragraph I, Exhibit A) of September 25. 1989. and an affidavit of November II, 1995. as a result of which $72,626.55 is alleged to be due and owing; Defendant would not have knowledge as to specific amounts by which the mortgage was or was not reduced or knowledge of.., "other expenses, costs and charges collectible under the note and mortgage" and therefore would be without sufticicnt information to rcspond, 13. Dcnied. Although Defcndant did not use thc language ... "after rcasonablc investigation," the Defendant's rcsponsc is in compliancc with the Pcnnsylvania Rules of Civil Proccdure. 2 14. Admitted in part. It is admitted that Plaintill' has alleged ~ default by Delendant and provided an affidavit; however Delendant has denied some or requested proof (lfthe substance of the allegations and therelore the Motion lor Summary Judgment cannot be used to verify that which Plaintill'has plead, 15. Admitted. 16, Admitted. 17, Admitted, 18. Admitted in part. Delendant admits that Plaintill'has submitted an affidavit concurrent with the filing of the Motion lor Summary Judgment; however, the pertinent provision of the Homeowner Emergency Assistance Act slates that notice is documented by a certificate of mailing obtained from the United States Postal Service which has completion of which has not been filed or even suggested by PlaintilT. 19. Admitted, The pleading speaks lor itself. 20. Denied, Defendant has sufficiently plead allegations in his New Matter. PlaintitThas not requested any discovery regarding same, 21, Denied, The affidavit sets lorth the amount which Plaintiff claims to be due and owing. By way of further response Defenda'lt has attempted to seek mitigation and resolution with the "Freddie Mac" corporation which has represented itself to be the current owner of the mortgage, 22. Admitted in part. PlaintllTis the assignor's's assignee of the mortgage, , I I I , 3 ~~ ~ I ! " I, " ' . 23, Denied. The admissions by Delendant. to the extent Delendant has admitted ." (' alleglllions. and the allcgations of Plaintiff arc such that thc cast: is not ripe lor summlll')' JI,; Judgment. If',11 24. Denied, Defendant denies that Plaintiff is entitled to summlll')' Judgment. .1 WHEREFORE, Delendant respectfully requests this Honorable Court to deny Plaintiff's '1 ,I , Motion for Summary Judgment. Respectfully submitted, " I'"~ ~ f-AiLV---tul f. &-ilbj'l.. MICHAEL L. BANGS Attorney for Defendant 302 South 18th Street Camp Hill, PA 17011 (717) 730-7310 Supreme Court ID #41263 ,. , I', ,I " " 4 VERifiCATION I hereby writ')' t1l1llthl: Ktull:ml:nIK mudl: in the lorl:going Response to Plaintiff's Motion for Summlll')' Judllml:nt url: trill: and ClIrrl:ct. I undl:rstand that false statements herein are made Aubjel:\ tll thl: ~n"ItIl:K III' IlIl'u.(' .S, Sl:ctlon 4904. rduting to unsworn falsification to lluthorltll:8. [)u\C;__-'::'~ I~ VLlAll l A.t6..bLL~ ""- BARRY K, STABLEIN "I' I' ; , , I, il , " 'I " " " '>, '" 'j.. Il; /.. ;'" ~ " .. r.'- I 'i' ,~ -. '.[" ~:. '~ ,). - I' ::.~ '. J ;': I' .... j ],:,'j 1',1' 0', ,,~ ::. ' ')\1': 'I'; - i, ',1 fJ. II' m ",reI . , lu !,t)o.. /, L... ;1 ~j ,... '" ~~ '" 4 u 0 ~ ~~ .... . !:: ~ u . l'-~ .f.'! '" :;J ~ '0 !;: ~ '" ~ S , ~~ au '" ~ ~ ' ~ :J . ~ " ~ '" z '" g~i '" "''' '" '" '" ""' t "<3 '" '" :; . 0 ~ . U) ... ~ . . o . (3f-< :> ~ ~ , ~ ...8 f-<o< ) 5 ,,",0 f-< ;; ~e fiX U) C) ~ f-< ;~ <fJ , j~ ~ '" '" ~ i>< '" ~ u el~ ~ ~ '" I '" - ".. ' N" ...., . " . , -lor BARNETT MORTGAGE CO., C/O BANCPLUS MORTGAGE CORP., PLAINTIFF IN THE COURT OF COMMON PLEAS CUMBERLAND CO., PENNSYLVANIA VS CIVIL ACTION-LAW NO. 96 2967 CIVIL BARRY K. STABLEIN, DEFENDANT IN MORTGAGE FORECLOSURE PRAECIPE TO ENTER APPEARANCE TO THE PROTHONOTARY: Kindly enter our appearance as Co-Counsel on behalf of the Plaintiff in the above matter. DATE: February 12/ 1997 PURCELL, BY .... 'LeC! P. Haller I.D. # 15700 Attorney for the Plaintiff 1719 North Front Street Harrisburg, Pa. 17012 717-234-4178 LPH/nwf Ene. . . , ..-,.,), -- '0 ~'! C,: ( I.. .. III ~ 1 (....1 , , c.):- , , II:' '-".. S); r-r q: . L :' I !11J j! ~. j 1/;'- c..: I'. . .i r" , U (.l"I U I 6 !: (II t) ~~ Ii Jp~ ~d ~ ~~<.~ \l g;; " .. ~ ~ . , " " . ..- .,' . ....... I . .. '1 ..... . . , , f! ,,'" "-) , " ',' " /" " " , , , " ;'!I \ I " I .1 " ,I ., '" ,'1 , I, ., , !j , " ;' ;' " , Lj , ,I II' i' , , ,'; If; , ,; ., J , i'l! ,..' " , I,; , , , , , I'll " , I ,I . 1 ., ....J ~ ~ - U. I ';? o ~ - "iiL .0 , .. '1,1.., , " .. I'" , I " I , , ',I, ,'i " II' ," , , 'I " , , "\li~ ~' , ) .,.- , , ':1 " y "I , , " '.1 , , 'I' "I , I .,! , .' ' , ' I , :' " , .: , I!" '.;1 " " 'I' .1 1', 'I " I. , "i;' " " 1', '. i ," i;,j .. , " " \ , .\f,J ~ I I ,II ,',1 l-ri1,1i! ~j \)1' j , :::> Q/ ~ I ,i , " II " i' 'i" " , , ,,' i' , " " ,',I }, " ,,' " , ", " " 1'1 , ' 'Ii , " '" ), , 1_1 I " J I, I" " ;; .. i " , " 'I , " ',' , ,,-, I , , , 'I' I ,I, I, " , ii' , I,' " , " ,( " 'd - , ,', ,',I " I , "I , . II .. " , , If' ~ ! ,', " , " " " ~' " i" , , ,'I, , ',I, I , , " I, ' 1,11, I, ;\, " , , " , . " , " " " ~i .1,'" ",' ,. ',~ 1, ,'." I <O~Or-F\CI: v f)7~ ,~t "r~:nltRI OF il ' n?O \,\\\2\llll en fC, ' " . ,". " 'I \,~".,lJ'\~T,{ 'C\J};\~'~. '::',~"\llt\!l, PEI'li,<,)1!.:' ,I z ~~ <0 !:: t: ~ ~ ..:l~ E- ~ 0;2 '" ""I;> ~ ~ zt,; .....0 uo.. ~ " ioo '" :J ~ '0 '" ~ E " <O~ ou "" '" '" ~ u . u \t~ u"" '" z ~ f "''-' ~ :> !i r, '" . '-'< .u 0:: . ~ J o . <'-' 00 ..:l '" ~ 0 <.!lE- I;> ~ Vl ~ , . E-oU E-o'" . . '" l c- . ~~ 0<0 E-o , .. . ~:l: Vl 0 ~ '" Vl , !:::J ~ '" ~ '" ~~ ~~ ~ gJ 0 ~u '"'''' '. . .......1".40-..1",'...14.1'......". ClfIIWOI1 OO.l'\lWnl,.,..,....YI.''11W . IIJ il ~' mAR I ~ I!:J!:J/I) .. . ASSIGNED TO JUDGE: BARNETT MORTGAGE CO. C/O BANCPLUS MORTGAGE CORP., PLAINTU'F VS IN THE COURT OF COMMON PLEAS CUMBERLAND CO., PENNSYLVANIA CIVIL ACTION-LAW NO. 96 2961 CIVIL IN MORTGAGE FORECLOSURE BARRY K. STABLEIN, DEFENDANT ORDER FOR SERVICE AND NOW, TO WIT, THIS r; '"' DAY OF ~&)~l, , 19'7, upon consideration of the within Affidavit, it appearing that a good faith investigation and effort to locate the Defendant has been made by Plaintiff, it is hereby ORDERED that service of the Complaint be made by posting a copy of the original Complaint on the most public part of the property located at 612 York Circle, Mechanicsburg, Pa. 17055 and by forwarding a copy of the Complaint by certified/registered mail and ordinary mail (service to be complete upon mailing) to the Defendant, Barry K. Stablein, at his last known address at 126 North Fayette Street, Shippensburg, Pa. 17257 and by publication pursuant to Rule 430 (b); AND FURTHER that in the event this case should be reduced to judgement and execution shall be issued, I service upon the Defendant pursuant to Rule 3129 (c) (1) (i) C shall he effected by mailing copies of the required notices to the Defendant at her last known addresses by registered/certified mail and ordinary mail (service to be completed upon mailing) and by H ~_T (, ' ~ 1":-': r, "' ( " , , , ' , en ,'I"i , ',! ': \. ,,J " . I' , .. I,.. ;~,I , Li';:., jll~V'/ ":i,'\ I " I " , " ,r, , " " , , I ," 'I' , BARNSTT MORTGAGE CO. C/O BANCPLUS MORTGAGE CORP., PLAINTIFF VS IN THE COURT OF COMMON PLEAS CUMBERLAND CO., ~ENNSYLVANIA NO. 96 2969 CIVIL BARRY K. STABLEIN, CIVIL ACTION-LAW MORTGAGE FORECLOSURE DEFENDANTS AFFIDAVIT OF RBASONABLE INVESTIQATION COMNO~TH OF PENNSYLVANIA COUNTY OF CUMBERLAND 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 Pursuant to Rule 430, that he has the 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 balief, to wit: That he has attempted to confirm the whereabouts of the Defendant in the above case, by cor.duc~ing a reasonable search, which search included one or more of the follow~ng as indicated by the checkmark: x That he has contacted the U.S. Postal Service to obtain the x last known mailing address or any forwarding addresses, That he has attempted to locate the persons of similar name to the Defendant, however he has not been able to locate any. ,.....SHAPIRO & KREISMAN SOUTfIPOINT OFFICE COMPLEX 1160 WEST SWEDESFORD ROAD, SUITE 350 BERWYN. PA 19312 FcblUllry 28, 1996 Pos""os/tl' M~cabu..., PA 1702S Request ror Chllllle or Address or Boxholder IlIrOnlllllloll Needed ror Serylce or Lellll Process PI_ (uml.h Iho now add,... or n.mo and .lr...1 .dd...... (if. bo.hold.r) li,r Ih. fulluwin~: NAME: ADDRESS: BaITJ K. StubMn 612 York Cin:I., M""hllllicohurll, PA 17025 NOTE: Tho namo and IPI known Iddrc.. ai'll roqoiml for chllll~. of .ddr... inlorl11lllion. Tho nom., if known, IIIId pool oflico bu. add...... Ii'll roqoirod for bo,holder informutlon, Tho followinll infonnalion i. provided In Iccord.nco with 39 CFR 265.6(d)(6)(i.). Ther. i. no fee ti,r pruvidin~ buxhuld.r infonnalion. Tho filll or providin~ chlln~. of oddre.. intormulion i. woivod in uccordunce wllh 39 CFR 265,6(d)(I) ond (2) ond correopondinll Admini'll'1llive Sopport Manoal 352,44u and b, I. C.pacity of R"'lu....lcr (e'll' proce.. ..rwr, .llomey, ""rly r.pr...nltn~ hilll"U): ATTORNEY. 2. SlalOIo or I'llllul.lion Ihal empowers me 10 ..rve pruee.. (nul r"'luir.d whon r<<lo..I.r i. un allomey or u p.rly aCllnll pm .. . excepl a corporalion IClinll pro so mO'1 cile .Iolole(.): N/A 3, Tho nlme. of all known partie. 10 Ihi. Illillation: BanePluJ MOr/l/alf' Carp, ~J, Barry K, Stabltln 4, The coort in which Ihe c.... h.. heen or will be heurd: 17" Court 01 Comlllan PI,aJ 01 CUMBERLAND County 5, The dockel or olher idenlifyinll number if one hu., been i..ocd: NIA 6, Tho ClpllCity in which Ihi. individuol i. 10 be ..rvod (e.II, deti:ndlllllur wiln...): DEFENDANT WARNING nfE SUIM/:iJ/OftI OF '~'11Jri1'OlUlAnlJN TO O'TA:N AND U3( ClIANrJ'" 0'- ADD~I~ lfil"OICM..tno!rl fJlf 'OXJWWl1f INWHMAJION hHC AN""Uftrc~': O",IJllPIAN 1PIr. ~IJfV1f"E 0' I.J.h4L I'ffOCI:sS IN CONNIC7JON wml ACWAL 0It H05/IEC77V1i lmatnON ('OUllJIIDULT IN (lUMINAL I'INALnLlINcWtJINfi A fiNE III" 1/1' TO Slt/,IUJ 0If IM/ltAONIoIANT ON rJJ TO... YOlO 1'... l')U.vT OF "" fn 'QIf CllANCir 0' AINJMM 1N1'OItMATlON Of NOT MOItt UlAN J 1'l.4NS, 011 'Ont nnLE I~ U,oS,C, ./f"'J, I lOfllnlty thllth. .bav. In(ormallon i. INII .nlJ !.hal Ih. 81,hlrlo:" inrllrll111lllm i. 1It:.:l.!lllJ Inl.! '4111I hit UlWl.! 1I111.,ly fllr Mltf'\llt.:1t Ill' 11t.,lIlllrut.:lIu in !:unnll..:lltlll with 1,,;11111 or pro,.""I.. 11'1"'10)' cktiAJ .h~ I /'J ADDRESS: Shppil\l & KNilllllun 5i,naluI'lI Suulhpuilll Ollh:.: CUllIlll.:, KIlO. 5<11 Lt,al A..11tI1\1 1.,lnt"J NlIoll\'; 1160 WltN SWIHlllllrm'\t RJ., Suillt HO Dol"\'~'n, P^ Jl,lJ 12 S .. K FilII Nunlhlfr: 'Il6.9427 FOR POST OFFICE USE ONLY .A. NI. !:h.n,,, o( .1.!.J,.lIllN.r un Il It, , NEW AODRESS ur BOX HOLDER'S POSTMARK Nol known.I .dd,.... ~Ivlln NAME .,,~ STREET ADDRESS Muv.d. l.n no (ul'WlnJlnIlIJdNI. No au..:h .dd...... Plaintiff: Barnett Mortgage Co. County: Cumberland \II. Term N: 96-2967.Civil Defendant: Barry K. Stablein Loclte: BARRY K, ST ABLEIN Address Given: 612 York Circle. Mechanicsburg. PA 17025 224 Brian Road. Enola. PA 17025 CONfJl)ENTJAI. INVESTIGATIVE SERVICES INC ATTENTION: Michele Nold SHAPIRO & KREISMAN 1160 West Swedesford Road Suite 350 Berwyn, PA 19312 SK File N: 96-9427 AFFIDAVIT OF GOOD FAITH INVESTIGATION LAST KNOWN ADDRESS ~ North Fayelle Street, Shlppensburg, PA 17257 INQUIRY Of U.S. POST OFfiCE (FOIAl 9112/96 - U .S, Post Office indicates the subject Is not known at the Fayelle Street address, SEARCH Of LOCAL TELEPHONE DIRECTORIES &. PHONE COMPANY OPERATOR CONTACT There is no telephone number subscribed to the subject in the Shlppell8burg area, PENNSYLVANIA DMV RECORD SEARCH Search reports that Darry Slablein's registered address is 126 North Fayette Street in L./'" Shippensberg, The subject's date of birth is March 29, 1955 and his operator's number is 16836836, NEIGHBOR CONTACTS Contact WllS made with Mr, Rowan who resides at 126 Nort/: Fayclle Street. Mr. Rowan's telephone number is 717.532-9535, Mr. Rowan advised that Barry Stablein worked for his wife, but did not llve at their residence. He does not know Ilow to reach the subject. I CERTIFY UNDER PENALTY OF PERJURY, THAT TIlE FOREOOINO IS TRUE AND CORRECT. TO TIlE BEST OF MY KNOWLEOOE, lUNDERSTAND THAT FALSE STATEMENTS m\REIN ARE MADE)lUllJECT TO TIlE PENALTIES RELA T1NO TO UNSWORN FALSIFICATION TO AIJTIIORITlES, . " . /. ,/ AFFIANT: /,/-, ,(, c' DIANE COWAN SWO~N & SUBSCRIBED J3EmRE ME THIS ;;()rJ.l OF 'XIJ~' 199k:> NOTARY PUBl.lC 2.1.1 Snurh Urh Street PhilJdelphia, PA I ~ I 07 (21.5) .146,74110 IHOO) 50.1.7400 NOTARIAL SEAL FREDERIC A, BLUM. NOIIIy PubliC CIIY 01 Phl~phj.. ""~. CoIl"1Y My Com......1oIl e... . Fib, 1 1, 2000 fax (215) ~H,\,OI69 : PENNSYLVANIA DEPARTMENT OF TRANSPORTATION BUREAU OF DRIVER LICENSING BASIC DRIVER INFORMATION SEP 05 1996 PAGE 1 .'/ DRIVER, BARRY K STABLEIN 126 N FAYETTE STREET SHIPPENSBURG, PA 17257 DRIVER LICENSE NO DATE OF BIRTH SEX RECORD TYPE 16836836 MAR 29 1955 MALE REG LICENSE DRIVER LICENSE (DL) COMMERCIAL DRIVER LICENSE (CDL) ------------------------------- --------------------------------- LICENSE CLASS , LICENSE ISSUE DATE, LICENSE EXPIRES I NED RESTRICTIONS LEARNER PERMITS LICENSE STATUS C MAR 28 1996 MAR 31 2000 1 CDL LICENSE CLASS , CDL LICENSE ISSUED I CDL LICENSE EXPIRES , CDL ENDORSEMENTS , CDL RESTRICTIONS I CDL LEARNER PERMITS , CDL LICENSE STATUS I NONE NONE PROBATIONARY LICENSE (PL) --------------------------------- PL LICENSE CLASS PL LICENSE ORIG ISS PL LICENSE ISSUED I PL LICENSE EXPIRES , PL LICENSE STATUS OCCUPATIONAL LIMITED LICENSE (OLL) --------------------------------- OLL LICENSE CLASS , OLL LICENSE ISSUED I OLL LICENSE EXPIRES I OLL LICENSE STATUS I " ... END OF RECORD ... ' \..' ",',i I ~ "'" ~ \.!) ~ ,.., ~ q:' E t ~ , - , I " ," , , " " , , " , , ,I , , " , ' , , , " I " ," " ..'........ .....".) , L-, ,., I I.,' '"t " I, " " 'I " , ' " " , 1 ' ," " 'I i', '" " " /, " I" , '. " I' " , I'" ", ,,' " , " .. ~ ~ ~ , I ., " " I' " 1',' , '"~ ,,' " " " , ' , I , " '.', , , , " '1 ,." . , " ., ' " , " , " , '\ " " , , " I' ',I , " 'I ',' " , , , " , It, ,I ,I 1 "1 I;, ',' , Iii ,I i; , " ir,' " _',"1 ~ 1'1 1,1 IJ, ,I '~;~ ,,' " ~ '" , " " , ~ ~ " " , ", '. ' , , , , , " I:,i I ,,' " .i' " In Novembl:r, 1995, Delendant becume unable 10 make his mortguge payments of S826.00 per month, Deli:ndunt sought the ussislnnce of Consumer Credit of lIurrisburg III February. 1996. und ultempted to work out u payment plnn with I'luir,titl' through August. 1996, Unbeknownst to Defendant. u Compluint in Mortgage Foreclosure was tiled on May 28, 1996, It was apparently reinstated on August 12, 1996, and again on April 24. 1997. when it was ultimately served on Delendant. There has bee no discovery by either purty. On January 28. 1999. Defendant. in rr:sponse to a request by the Federal Home Loan MortgBge. commonly known as Freddie Mac. requested mitigation loss assistance; notice of Defendant's request was provided to counsel for I'laintitl'. The within-captioned brief is tiled in support of Defendant's position, STATEMENT OF OUESTIONS PRESENTED A. IS THE WITHlN.CAPTIONED CASE RIPE FOR SUMMARY JUDGMENT? ANSWER IN THE NEGATIVE SU(;(;ESTED, ARGUMENT A. THE WITHIN.CAPTIONED CASE IS NOT RIPE FOR SUMMARY JUDGMENT. The standard for granting summary judgment is well settled. Summary judgment may be granted only when the pleadings. depositions. interrogatory answers and admissions establish that no genuine issue of material fact exists and that he is entitled to judgment as a malter of law. . , summary 2 The real estate which is the subject of the Mortgage and Note is located at 612 York Circle, Mechanicsburg, Cumberland County, Pennsylvania. The Note and Mortgage are in default owing to the fact that the Defendant has failed to pay the installment due November 1, 1995 and all installments thereafter. Prior to the commencement of the foreclosure action, the Plaintiff sent an Act 91 Notice to the Defendant. However, he failed to reinstate his Mortgage, forcing the Plaint iff to file this act ion, " II. Statement af Ou..tians Pre.ented A. Is the Plaintiff entitled to Summary Judgment by reason of the Defendant's admissions and failure to allege a valid defense? B, Was the Plaintiff required to comply with the notice procedures of Pennsylvania Act 6 of 1974? C, Did the Plaintiff comply with the notice procedures of Pennsylvania Act 91 of 19B3? III. Araument A. THE PLAINTIFF IS ENTITL,ED TO SUMMARY JUDGMENT BY REASON OF THE DEFENDANT'S ADMISS10NS AND FAILURE TO ALLEGE A VALID DEFENSE. Rule 1141 cf the Pennsylvania Rules of civil Procedure states that Rules relating to civil actions shall apply to actions of mortgage foreclosure. Rule 1035.2 provides that: "After the pleadings are closed, but within such time as not to unreasonably delay trial, any party may move for summary judgment in whole or in ? part as a matter of law (1) whenever there ie no genuine issue of any material fact as to a necessary element of th~ cause of action or defense which could be established by additional discovery or expert report, ' , . " A Motion for Summary Judgment may properly be granted only if the pleadings, depositions, answers to interrogatories and admissions on file, together with the affidavits, if any, show that there is no genuine issue as to any material fact and that the moving parties are entitled to an entry of judgment as a matter of law, Entry of judgment is proper where the case presented is clear and free from doubt and where trial would be a fruitless exercise. Potts Mfa. Co. v, Loffredo, 96 Dauph, 413, affirmed 340 A.2d 468 (Pa. Super, 1974), The only issue before the Court is whether the Defendant's Answer or New Matter raises any legal or factual issue which provides a basis for denying the Plaintiff its request for summary judgment. In his Answer, the Defendant admitted the identity of the Defendant and his current address, as well as his execution of the Note and Mortgage for the subject premises. The Defendant denied the averments pled in Paragraphs lc, ld, 3, 7, 8, 9, 10 and 11 of Plaintiff I s Complaint, (The Defendant's denials to Paragraphs 10 and 11 will be addressed in Sections III.S, and C, of Plaintiff's Argument.) In response to ~aragraphs lc, ld and, 2 of the Defendant's Answer, Plaintiff verifie~ in itel Affidavit filed contemporaneously with its Motion, the Pla,intiff' s identity and business ad~ress. In his Answer to Paragraph 3, the Defendant 3 denies as a conclusion of law that he is the original Mortgagor, The Plaintiff verifies in its Af f idavit that the Defendant is the onl y Mortgagor. Rule 1029 of the Pennsylvania Rules of Civil Procedure governs the proper procedure for a party to respond to factual pleadings, Rule 1029 reads in pertinent part: " b) Averments in a pleading to which a responsive pleading is required are admitted when not denied specifically or by necessary implication. A gener- al denial or a demand for proof, except as provided by subdivision (c) and (e) of this rule, shall have the effect of an admission, c) A statement by a party that after reasonable inves- tigation the party is without knowledge or informa- tion sufficient to form a belief as to the truth of. an averment shall have the effect of a denial. In Paragraphs 7, 8 and 9, the Plaintiff averred the fact of the Defendant's default and the amounts owed on his del inquent Mortgage Note. In response, the Defendant generally denied Plaintiff's factual averments, claiming to be without suffici~nt knowledge to ascertain the issues of default and the amounts outstanding, Contrary to Rule 1029, the Defendant failed to aver "after reasonable investigation" that he could not respond to the averments. Thus, the Defendant should be deemed to have admitted the fact of default, as well as the outstanding amounts. Furthermore, the Defendant, along with Plaintiff, are the only persons who are in a position to know of the fact of delinquency and the amounts outstanding. . New York Guardian CorlJOratlon v, Dietzel, 362 Pa, Super, 426, 524 A,2d 951 (1987), The spec if. ic averments of default and amounts due and owing, and the fact that 4 , I no cure has been effected by Defendant is verif ied in the signed and sworn Affidavit filed contemporaneously with Plaintiff's Motion. The Defendant also avers as an affirmative defense the Plaintiff's alleged violation of the Pennsylvania Unfair Trade Practice and Consumer Protection Law, The Defendant simply alleges the Plaintiff violated the Act, but raises no specific issues, nor I, \ .1, has the Defendant further developed his averments, Such bald assertions are not sufficient to prevent the entry of a summary judgment against the Defendant, In the case of New York Guardian Corooration v, Dietzel, 362 Pa. Super. 426, 524 A,2d 951 (1987), the Superior Court indicated that a defendant may not rest solely upon the averments contained in the pleadings in support of a defense to a motion for summary judgment. A defendant has the burden. to present facts "by counter- affidavits, depositions, admissions, or answers to interrogato- I' r I, ries" . B. THE PLAINTIFF WAS NOT REQUIRED TO COMPLY WITH THE NOTICE PROCEDURES OF PENNSYLVfu~IA ACT 6 OF 1974, Act 6 of 1974 (41 P.S, Section 101 Stt..... ~), instituted provisions to protect certai~ mortgage debtors in Pennsylvania. under the Act, a "residential mortgage" is defined in Section 101 as "an obligation to pay a sum of money in an original bona fide principal amount of fifty thousand dollars ($50,000.00) or less, evidenced by a security document and secured by a lien upon real , t 5 estate located within the Commonwealth It The Act further provides in Section 403 that before a mortgagee commences a legal action against a holder of a residential mortgage, it must first provide written notice to the mortgagor which must be sent by certified mail, In this case. the Defendant denies as a conclusion of law and raises as an affirmative defense Whether the Plaintiff was required to comply with Act 6, The Defendant's Mortgage Note was f.or $76,000.00. Act 6 of 1974 does not apply to the Defendant's obligation, since the Act only pertains to obligations of $50,000,00 or less. Thus, the Plaintiff had no obligation to send the Defendant an Act G Notice prior to the commencement of its foreclosure action, C, THE PLAINTIFF DID COMPLY WITH THE NOTICE PROCEDURES OF PENNSYLVANIA ACT 91 of 1983, Act 91 of 1983 (35 P.S, ~1680,401 ~~) provides authority to the Pennsylvania Housing Finance Agency to make loans to residents of Pennsylvania who qualify under the terms of the Act. Section 403c requires a mortgagee who intends to foreclose, to send to a mortgagor at his last known address, Notice in compliance with Section 403c(b), Act ~1 only requires that the Notice be sent by regular mail, not that the mortgagor acknowledge receipt, In this case, Defendant states as a conclusion of law and avers in his New Matter Plaintiff's non-compliance with the Act, In response, Plaintiff has averred in Paragraph 12 of its Affidavit the mailing of the Act 91 Notice on January 11, 1996 to the Defendant's last known address, Plaintiff has also attached a true (, ,\ I' " I " , " " . '.' I '" ...!> ~ - e ~ -.J 4- I I , " II '.' i' ,,, " " I , , , " ~, " ',I :,', " ,I, 1',1 , , : :1 '11, , I , " I " " " '" " " 'I" " " " , " , , ,II , ' , " , ", " ,', ":;1 ;J "il :1-\ Ji .' ~ <,j ,I ,1 " ,'-, 'I' , " ': , , 'I . 'I' "1; I , , 'i: ",II' ',\ I' :/, , ',1,~;Li " /, 'i ~ i , . (,: '0 .,' c,. " I..' III','! (.... (Jj " /I~, (",t )', I (-1'i: , ,',.I 1 ~I: (I t.1 11'1 J', ,,' , 'IL, ., II '" , (.j 'J ti' l,j ~ . 1/1 o J~ n J ; ~ ~ >l ~ ~ ~ H ~ ~ 'J < g Ii: .::: .. ~. ~ ~ . . . 3. Denied. Plaintiff's ellegatlon is a conclusion of law to which no reaponsa of pleading is required. 4, Admitted, 5, Admitted, 6, Admitted, 7. Denied, Plaintiff's allegation is a conclusion of law for which no response of pleading Is required; to the extent a response Is deemed necessary, Plaintiff Is without sufficient Informetlon or knowledge to know the precise amount of Plaintiff's claim for Interest and "othar charges" and strict proof thereof Is demanded at the time of trial. 8, Denied. Plaintiff is without sufficient Information or knowledge to know the actual amounts of the Itemized charges alleged by Plaintiff and strict proof thereof Is demanded at the time of trial. 9. Denied. Plaintiff Is without sufficient Information or knowledge to know the exact amount of per diem Interest or authority to impose same and strict proof thereof is demanded at the time of trial. , 0, Denied, Plaintiff's allegation Is a conclusion of law for which no response Is required; to the extent a response is deemed necessary. Defendant specifically denies that he received the correct statutory notice in accordance with the epplicable and governing rules and requirements, , ,. Denied. Plaintiff's allegation is a conclusion of law for which no response of pleading is required; to the extent a response Is deemed necessary, it is specifically denied that Defendant received the required statutory notification pursuant to the governing and applicable statutory rules and requirements, WHEREFORE, Defendant demands judgment in his favor. NEW MATTER 12, Defendant Incorporates herein by reference each and every allagatlon sat forth above as If pled separatoly es a defense. 13. Plaintiff failed to properly service Defendant notice in accordance with the Mortgage Foreclosure Rules pursuent to the Pennsylvania Rules of Civil Procedure; The Homeowner's Emergency Assistant Act and the Mortgage Foreclosure Statutory Requirement end, therefore, Plaintiff's Complaint In Mortgsge Is not valid, 14. Plaintiff's claim for mortgage foreclosure Is invalid because Plaintiff violated the Pennsylvania Unfair Trade Practice and Consumer Protection Law. 15. Plaintiff's claim may be barred in whole or In pert by the Homeowner's Emorgency Assistence Act, the Mortgage Foreclosure Act, end Mortgage Foreclosure Rules. 16. Defendant has satisfied part of the mortgage Indebtedness as pled by Plaintiff and therefore does not owe Plaintiff the amount as alleged by Plaintiff. WHEREFORE, Defendant demands judgement in his favor and against the Plaintiff . ~::inz ) {MICHAELL.BAN~ Attorney for Defe?dant 302 South 18th Street Camp Hill, PA 1.,011 (717) 730-7310 Supreme Court ID #41 263 I' BARNETT MORTGAGE CO, Plaintif f v. IN THE COURT OF COMMON PLEAS CUMBERLAND CO., PENNSYLVANIA NO. 96-2967 Civil BARRY K. STABLEIN, Defendant CIVIL ACTION - LAW IN MORTGAGE FORECLOSURE PLAINTIPP'S RBPLY TO NEW MATTBR AND NOW, comes the Plaintiff, Barnett Mortgage Co" through its Servicing Agent, Homeside Lending. Inc:, formerly known as BancPlus Mortgage Corp" and through its attorneys, Purcell, Krug & Haller, and files the following Reply to New Matter: 12. The PlaintIff incorporates herein by reference the averments set forth in Paragraphs 1 through 11 of its Complaint. 13. Denied as a conclusion of law to which no responsive averment is required, In further response, because the original principal balance of the Mortgage exceeds $50,000,00, the Plai.ntiff had no obligation, pursuant to Pennsylvania Act 6 of 1983, to send a pre-foreclosure notice to the Defendant. An Act 91 Notice was sent to the Defendant, pursuant to the Homeowner's Emergency Assistance Act of 1983 (35 P.S, !i1680.402c ~ ~), A copy of the Act 91 Notice dated January 11, 1996 was attached as ~xhibit B to the Complaint, 14. Denied as a conclusion of law to which no responsive averment is required. 15. Denied as a conclusion of law to which no responsive averment is required. statutory provisions. The Plaintiff has complied with all C..TIPICAT. OP a..VIC. I, JILL M. WINEKA, ESQUIRE, do hereby certify that I served a true and correct copy of Plaintiff's Reply to New Matter upon the following by depositing same in the United States Mail, First Class Postage, Postage Prepaid, addressed as follows: Michael L. Bangs, Esquire 302 South 18th Street Camp Hill, PA 17011 Attorney for Defendant, Barry K. Stable in " l )'/}. Ji M. Wineka, Esquire At rney ID # 58802 PURCELL, KRUG & HALLER 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 Attorneys for Plaintiff Dated: /:;'/1111 NOTICIA LE HAN DEMANDADO A USTED EN LA CORTE, 81 USTED QUIERI DEFINDERIE DE EITAI DEMANOAS EXPUESTAS EN LAS PAGINAS SIGUIINTES, UlTED niNE VIENTE 120t DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA D!iMANDA Y LA ...onfICACION. USTE!O OEBE PRESENTAR UNA APARIENclA ESCRlTA 0 EN PERSONA 0 POR ABOGAOO Y ARCHIVAR EN LA CORTE EN FORMA ESCRlTA SUS DEFENSAS 0 SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI USTED NO SE DEFIENDE. LA CORTE TOMARA MEDIOAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN PREVIO AVISO 0 NonFICACION Y POR CUALQUIER QUEJA 0 ALlVIO QUE ES PEOIDO EN LA pmCION DE DEMANDA. USTED PUEDE PERDER DINERO 0 SUS PROPIEDADES 0 OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. 51 NO TIENE ABOGADO 0 II NO nENE EL OINERO SUFICIENTE DE PAGAR TAL SERVICIO. VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFlclNA CUY A DIREcclON SE ENCUENTRA ESCRlTA ABAJO PARA AVERIQUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. COURT ADMINISTRATOR 4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE CARLISLE. PA 17013 (717) 240-6200 ,I. , , , , .~. j BEING KNOWN AS 812 York Stra.t Clrcl., I 'j UNDER AND SUBJECT to . 215 faat wid. building s.t-b.ck line from York Stre.t Clrcl., UNDER AND SUaJECT to a 10 fa.t wid. .aw.r e...m.nt of the Ea.t.rn portion of the pr.ml..., UNDER AND SUBJECT N.verthelall to ....mant., ra.trlctlons, raservatlon., condition. end right. fo w.y of record, BEING the ..me pr.mls.s which Rus.ell E. Cook and Suz.nn. M. Cook grant.d and convayed unto Barrv K. Stablaln by Dead dated Sept.mb.r 215, 1989 and r.corded In the Office of the Recordar of Deed. for CUMBERLAND County on Septemb.r 28, 1989 In Oaed Book E 34, Pag. 1579, 15. The N.me end mailing addra.. of Bach Oafandant I.: Barrv K. Stable In, 224 Brian Road, Enol., PA 17025. 8. Th. Int.r..t of ..ch Individual Defendant I. a. Mortgagor, Ra.1 Owner, or both. 8. 7, Th. Mortgage I. In default bacause the monthly Installments of principal and Inter..t and other charges statad balow, all as authorized by the Mortgage, are due .. of November 1. 19915 and have not be.n paid, and upon failure to make such payment. when dua, the whole of tha principal, together with charges specifically Itemized below ara Immediately due and payable. The following .mounts are due as of MAY 16, 1996: Principal of Mortgage Debt due and unpaid $72.626.56 Interest curr.ntly due and owing at 9.875% par annum calculated from OCTOBER 1, 1995 at .19.65 each day $4.480.20 L.t. Charge of $33.00 per month .......d on the 16th of each month $297,00 Escrow Balance (Credit to Oafandant! $'499,631 Attorn.y's F.es $3.000.00 TOTAL .~ 9. Int.r..t accru.s at a per diem rate of $19.65 for Bach day after MAY 18, 1996 that the d.bt r.malns unpaid, and Plaintiff may Incur additional attorneys fees, as well all other expanses, costs and charges collectible under the Note and Mortgage. .~I~~, ~l,.,.~ 'ENANTS BOIrower and Lind., .ananland agr. ..follows: Pr\nclpaland Inlerll'; Prapayman.and Lela Chargaa.Borrower Ihall promptly Pay When due ,nlWllt on "" debl tvldanClld by t/le Nota and any Pllpayrnenl and Iala chargea due under "" Nota, Ill.. and Inluranca, SubjllCllo applicable law ~,J o.,,~ . .~..~ B~,9War ,,*1 illY I monthly paymentl are due under t/le Note. _...~Jj_.. ('fiiidt1....1o .arly laX.. and alaealmenl~ Which may a"eln prIorlly Over thll SacIdy """"*'t;' (b) veanv or ground renta on tha Property. ~ any; (c) yearly hazard Inluranca premiums; and (d) yearly pramluml. ~ any ThOle ~ema are called '85crow ~ems,' Lender may 8lltlmalelhe Funds due on Ihe , and rea~onable eSlimalea 01 future 85crow Ilema I be held In an Inslltutlon Ihe deposlla or accounls 01 which are Insured or guaranteed by a federal or ing Lender II Londer is such an InSlltutlon) Londer Ihall apply the Fundi 10 pay Ihe 85crow Ileml 'ge for holding and applying tha Funds, analyzing Ihe accounl or verltylng Ihe escrow lIems, unloss er Inlerest on Ihe Funds end applicable law perrnlls Lender to make such a charge Borrower and I wr~lng thallnteresl sholl be paid on the Funds Unloss en agreement 15 made or applicable law II palcl. Londer shall not be required to pay Borrower any Interest or earnings on Ihe Funda Lender ar, w~hOUl charge, an annual accounting Of ttlO Funds sl10'o'llng credlls and debits 10 the Funds and Iho 3ch debllto the Funds was mado Tho FlJllds aro pledgOO as additional security for the sums socured by lent I Ihe Funds held by Londor, togelh.r wllh Ihe lutur. monlhly paym.nlS of Funds payable prior to escrow 'tems, shall .xc.od Ih. amounl required to pay the escrow 1101115 when du.. the excess .hall be, " ell her promplly repaid 10 Borrower or credltod to Borrower on monthly paymonts 01 Funds If Ihe i held by Lender IS not suHiclentto pay the us crow Ilel11s whon due, Borrower shall pay 10 Lender any J make up Ihe dellclency In one or more paym.nts as required by Lender In full of all sums securOO by this Security Instrument, Lender shall promptly refund 10 Borrower ender. If under paragraph 1 9the Property Is sold or or acquired by Lender, Lender shall spply. no later lor 10 Ihe sale of the Property or III acqulslllon by Lender. any Funds held by Lender at the lime of ll1agalnsl the sums secured by Ihls Security Instrumenl. 01 paymantl, Unless applicable law provides otherwise. all payments received by Lender under shall be applied: first. to tate charges due under Ihe Nole; second, to prepaymenl charges due underthe Inla payable under paragraph 2; fourth, to Inte,est due. and la6l, 10 principal due, ani. Borrower shall pay aU taxes, assessments, charges. lines and Impositions a"rlbutable 10 Ihe a"aln priority over thIS Secll"ly Instrumel1l. and leasehold paymenls or ground rents, If any, hase obligations In Ihe manner provldOO In paragraph 2, or if not paid inlhat manner. Borrower shall reClly 10 the person who 010'100 payment. Borrower shall promplly furnish to Lender all nollcee of amount ; paragraph. If Borrower makes these payments dlreclly, Borrower shall promptly ILlrnlsh to Lender the paymenls promplly discharge any lien which has priority over Ihis Security Instrument unless Borrower: (a) he payment of the obligation secured by lhe lien In a manner acceptable to Lender, (b) contesls in good elendt agalnsl enlorcement of Ihe lien In, legal proceed,ngs wh'Ch In the Lender's opmlon operate to Tlenl of Ihe lien or forfeiture 01 any part of the Property, or (c) secures from Ihe holder of the lien an ory to Lender subordinating Ihe lien to this Security Instrumenl, If Lender determines that any part of ,ct 10 alien whlct1 may analn P"Otlly over this Securlly Instrum~nt. Lender may give Borrower a ! lien, Borrower shall 5allsly Ihe lien or take one or moro ollhe actions set forth above within 10 days e, Jranea. Borrower shall keep the improvements now existing or hereafter erected on Ihe Proparty by IIrfl. hazards included wllhln the term 'extended coverage" and any other hazards for which Lender This Insurance shall be maintained In the amounts and lor Ihe periodS lhal Lender requires, The )vldlng Ihe Insurance shall be chosen by Borrower sublectto Lender's approvaf which shall not be lld, Jllcles and renewals shall be acceptable to Lender and shall Include a standard mortgage clause e right to hold the poiicles and renewals II Lender requires, Borrower shall promplly give 10 Lender remlums and renewal nollces In tho event of loss, Borro'/.er shall give prompt notice tp the insurance .ender may ma~e proal of loss If notmada promptly by Borro.....r and Borrower olherwlse agree In Writing, Insurance proceeds shall be appllOO to restorallon or repair agOO. If the restoration or repair 15 economically feasible and Lender's secu"ty Is not lessened lithe Is not economically leaslble or Lendor's security would be lessen.d. the insurance proceeds shall be secured by Ihls Security Instrumont. whelhe" or not then due With eny excess paid to Borrower, II . the Property. or does not answer within 30 days a notice from Lender thaI the insurance cerrier has aim, Ihen Lender may colleclthe insurance proceods L.nder may use the proceudsto repair or restore ay sums secured by this Security InSlrument, ....hether or not then due, The 30-day period Will begin Iven and Borro....er olhel\'II';e agreo In <.rillng any application of proceeds to principal shall not extend or .' AI lUNT.; 205619 lid mQrlQlgtl InlulIllC.....a cond~1on 01 making the loan lacurlld by Ihla Sacur~y Inllrumen!, .,. premium. required 10 malnlaln the InlurancalrLO"~ U!ll!! ,~IIC,~ !Im,a ..Iho requlreme_nller Ihe lln accordance wllh Borrower'. end Lender', _.......r<< ~liw. " Lender or ~. agenl may make reasonable en!rIIe upon and Illspec:Iloi,IGi 'itiPropelly, linder K11lce allheUme 01 or prior to an Inlpectlon lpaclfylng reasonable cauaeler Ihelnlpectlon Ion. The proceeds 01 any eward or claim for damages, direct or consequential, In connection with ,r other laking 01 any part 01 the Property, or ror conveyence In lieu of condemnation. are hereby e paid 10 Lender, 110181 taking of Ihe Property, the proc~eds shall be applied 10 the sums secured by Ihls Securlly or notlhen due. with any excess peld 10 Borrower In the event ala partial teklng 01 Ihe Property. I Lender olherwlle agree In writing, Ihe sums secured by Ihls Security Inltrumentlhell be reduced by octeds multiplied by Ihe lollowlng fraction: (e) Ihe total amount 01 the sums secured Immedlalely Ilded by (b) Ihe lair markel value of Ihe Property Immediately before Ihe laking Any balance shall be \ \ 5 ebandoned by Borrower. or If. after notice by Lender to Borrower Ihalthe condemnor oHers to lllle a claim for damages, Borrower lails 10 respond 10 Lender wllhln 30 days after Ihe dale Ihe nollce 15 !orlzed 10 collect end apply Ihe proceeds. allls option. ellher to reslOrallon or repair 01 the Property or by Ihls Securlly InSlrument. whelher or nol then due 6nd Borrower otherwise agrae In wrlllng, any appllcallon of procel!ds to principal Ihall not exlend or lie of the monlhly paymenls referred 10 In paragraphs 1 and 2 or change Ihe amount 01 luch peymenls ~ol Released; Forbeerance by Lender Nola Waiver, Exten"on 01 Il1e lime lor paymenl or rtlzatlon 01 the lums secured by Ihls Security Inslrumenl granled by Lender 10 any successor In shall not operale 10 release the Iiabllily 01 tha original Borrower or Borrower'l 5ucce66ors In Interell 'equlred 10 commence proceedings against any lucce650r In Inlerest or reluse 10 extend time for ill modify emortlzatlon of Ihe sums lecured by Ihis Security Instrument by re860n of eny demand made lWer or Borrower's succe550rsln Interell Any forbaarance by Lender In exercising any right or remedy 'of or praclude Ihe exerclla of eny rlghl or remedy II and A..lgna Bound: Jolnland Severel L1ebllfly; CO'llgnefl, The covenanls and agreemenls 01 "nlshall bind and benem Ihe SUcce~sorl and alslgns or Lender and Borrower. sublecllo Ihe provlllons ,rrower's covenanls end agreemenls Ihall be lolnt and several. Any Borrower who cO-Ilgns Ihls Securily . nOl execute Ihe Note (a) 15 co-signing Ihls Securily Inslrumenl only to mortgage, grant and convey 'eSlln Ihe Property under the lerms of this Securily Instrumenl; (b) II nOI perlonally obllgaled to pay I this Security Inltrument; and (c) agrees that Lender and any Olher Borrower may agree to extend, lake any accomodatlons wllh regard 10 thaterms 01 this S~curlly Inllrument or Ihe Nole without sent. g... If the loan secured by this Security Instrumenlls subject 10 a law which sels maximum loan If Is finally Interpreled 10 Ihallhe Inlerest or other loan charges collecled or 10 be collected In loan exceed the permitted limits, then la) any such loan charge shall be reduced by the amounl Ithe charge 10 the permllled IImll. and (b) any sums already collected from Borrower which exceeded )8 refunded 10 Borrower Lender may cl,oose to ma~e Ihll refund by reducing the principal owed I making a dlrecl paymenllo Borrower If a relund reduces prlnclpel. Ihe reduction will be !reated as a vllhout any prepayment charge under Ihe Note I Affecting Lender', Rlghll, If enaClment or expiration of appl,cable laws has the eHect 01 ;Ion oIlhe Note or this Securlly Inltrument unenforceable according to 115 ferms, Lender. at lIs option. 31e paymenlln full 01 all suml secured by Ihls Securlly Instrumenl and may Invoke any ramedles aph 19, If Lender exercl5es Ihls opllon, Lendor shall lake Ihe sleps Ipeclfled In Ihe second peragraph 01 'Y notice 10 Borrower prC',lded lor In Ihls Security Instrumenl shall be given by delivering It or by ;s mell unless applicable law requires use of another method The notice shall be directed 10 Ihe any olher address Borrower designales by notice 10 L~nder Any notice 10 Lender Sl1811 be given by lder's eddress staled herein or any Olher address Lender deSignates by notice 10 Borrower Any nollce lecurlty Instrumenl shall be deemed 10 have been given 10 Borrower or Lender when given as provided I Law; Severability, This Security Instrumenl shall be governed by lederallaw and Ihe law 01 Ihe Ihe Property is located, In the event Ihal any provi"on or clause 01 th,s Security Inslrumenl or the Ippllcable law, such conlllct shall not aHect other provisions 01 this Securlly Inslrumenl or Ihe Nole eHect without the contllcling prOVision To Ihls end the provisions of Ihls Security Instrumenl and the ) be I&verable, s Copy, Borrower shell be \liven one conlormed copy of Ihe Note and of this Security Inslrumenl , Ihe Property or a Beneficial I nlereslln Borrower If all or any part 01 the Property or any I / ,/' A COVENANTS, Ilorrowtr.nd Lender lurthtr COY_IlI.nd Igr. IlloIlQWI: ,II; ...,rnedlell, und....hall ~ nollce 10 IIorro_ prior 10 _II....lIon Io\lOwlng _"0_" lint or .gr..ment In ItJ. 8ecurlly 1","ume"~"'~I!"l*.!D'1p/II la."!' 'J. ".. 1/ proYlde. ol.rhwll.). L.nd.r .h111 nollfy .....~_~_1IlIIIIIIll' tllllItI ,), ",elhe d.,.ull; (c) ",hln IhI d.,.ull mlAl be ewed; .rld (dl IIIIlllIIurellO ollflltle default.. .jIIOIlled , , ,.1I0n 0' lhe .um. lIeurld by Ihll Security IMtrument, toraclolur. by Judlelll proelldlnll' .nd III. 0' , IIIIlIlurlher Info,m aOllo",er 01 .he r1llhll0 ..Inltal. .It" ..e.I".lIon .ndlhe rlllhllo ....rlln lhe Inglhe non...III.1lC4I 01 . d.I.ull or .ny olher dll.n.. 01 8orrower 10 .cell"llIon .nd loraclol' "' If 'Id II lpeolflld. Under III.. option mey raqul.. Immldllll plymenlln lull 01 .11 luml lacu..d by Ihll wllhout lurlh" dlmand .nd mlY 10llCl01l .hl. Slcurlty Inll,umlnl by Judlclll ploclldlngl.lnd" 01l1Ot .11 ..pen"l Incurr.d In purIL,lnlllh. ..midi.. plovldld In Ih'l paragraph 1 II. Including. bul nol . II...nd COlli 0' IIIt.evldlnello Ih. .nln' pe,mlnld by .ppllclbl. I."" ,>o.....lon, Upon .ccelerallon under paragraph 19 or abandonment of 'h, Property. Lender (In by judicially Ippolnted reCeNgr) Ihall be entitled 10 ,nter upon, lak, p<lSlelllon 0' and manage the 'lC\ Ihe renls 01 tha Property InCluding Ihose PMI due, Any renll collected by Lender or Ihe receiver 10 payment of Ihe costs of managemenl 01 the Property and collection of renlS. Including, but not leel, premiums on receiver's bllnds u"d reasonable allorneys' lees, and then to Ihe sums secured by lent Upon payment of all sums secured by Ihls Sijcuroly Inst,umenl, Lender shall cancet this Securily :IIIrgeto BOllower, BOllower shall pay any recordation costs nenl Period, BOllower's time to relnslate provided in paragraph 16 shall eX1end 10 one hour prior 10 01 bidding ala sheriffs sale or olher sale pursuant 10 Ihls Security Instrument Money MOrlg.ge, If any 01 the debl secured by Ihls Security Inslrumentls lent to BOllower 10 acqUire Ihll Securliy Inwument shall be a purchase monay mortgage 'Ie AIt., Judgm'nl. Borrower agrees 'hatlhe Interll$' rate payabla alt., a Judgmenl II enlered on Iha 01 Mortgage 'medolure shall be the ra.e payable Irom time to time uod., 'he Note, hll Security Inltrumenl. If one or more riders arij executed by Borrower and recorded logelherwilh rent, Iha r.ovenants and agreements of each such ,ider 5hall be Incorporaled Into aod shall amend and enentl and agreements of this Security Inslrument as ~ the rlder(s) were a part oI.hll Secur~y .ppllcable box(es)) Rate Rider 0 Condominium Rider 0 24 Family Rider , Payment Rider o Planned Unit Developmenl Rider ;peclly) <l '! I.-~ I..... L II '/ , ELOW, Borrower acr.epl~ and agrees 10 the lerms and covenanls contained In this Security IY rlder(s) execUled by Borrower and recorded wilh ~, 'Al...lf..) /' ", ~ -i, '" ,\ ..) t " BARRY K, ST~tEIN IStII' ,BorrO~tt (-1--/ " _'",Ii /- "...~ :..., ~.'l , " ISIt,,) ,80uovrtt ISell) ,BonoYt.r ISp."...,Q.... TI'II. L.I"'. 'DI ACIH1uvrlttJgmtn,} ,lTH OF PENNSYLVANIA. ~ "tA. 0' ',' . day of ,. f) ,~~ I) t'~, .... County IS ,19( I , before me, . I ___.._ ALl. 'IlIAT CIl\,'AIN lot or troct of llllld oItuoto In tho BorOUolh of Hochonlcobul'9' Oountr of CIIItlorlond ond ~toto of PorulOylvanlo. lIOn PArtlculorly bounded ond dIt.cr btd A. tlJ l1ow. , BmltfHOO tt .. poLnt on the '''''hrn Did. of York SteNt Clrcl., which point 11 ot the 11no dlv'dll\? t.otl Noo. 20 lIlld 21 on tho honlnolttr ..ntlonod Pion of Lot., thence .lolllj the NInO, South 89 dVlllC'H' J9 wnute. !ut, 120 t"t to to point on tho 11no of t.ot No, 191 thonco olong tho lIno dividing Lot No. 20 frail t.ot. Noo. 19 one! 8 on Nld Pion, South 00 doojn.. 21 ...nutoo Nllt. 65 foot to tho line dlvldhl\l t.oto Noo. 21 one! 221 thonco 01""9 the ..... North 89 <legrooo 39 ...nut.. Nltlt, 120 rHt to the Eutern la.ne ot York Str..t Circl., thenc, along the MIM, North 00 cIooiroo. 21 II1nut.. e..t. 65 root to tho point ollllXllr-.IN;. BIUN; loot No. 21. Block J. on tho Pion of Wynnowood Pork. u ncordod In tho CUntlorlone! Oounty Rocordor'. oruc.. In Plan Book 23. POll' 175. IIlNO KNOWN AS 612 York Stroot Clrcl.. IIINCl M SAlle _ISM WlIlc'H Ruoaoll e. Cook one! Suzonno~' ook. h~IPond ~f. by tholr Dood dotod SoptOlltloI 25. 1989 one! Int.ndod to be f tIllIlth duly rICO . grontod one! convoyod unto ..rry ~. Stabl.ln. 11"'l10 _. ~ ,,; ,. :~.... . ~ / " " '. , ..,' " ,. . . ,.:--O::l.t':.. , ,..:j.:~~ IC.:',;> " / ~ (~lr.:.: f:.u , mf,." " .:~:.:~"~ ~f.3 'i:~ b,:O' ~J'13 fl" !) I~' . , ~s Matllrr,. CGfJI> I ~,,;,""';fjIy,;~i.l~OSlfl". ~~-: , ,.~:or~l '. " ~ ,'i\:tJ'[;, " " " "" , ,~,." '. . ,;;,t:~~~~:'~:'; .:~(\ J"'~~~' 11. lq~t l .~,..., ~,;. c; L. ~ 1 ~I 'I.;." t" (;" ,. I ~ , r" 11r.C '-':'=t)'i i~\,kit~ ~~~!ti!,IC7~'I'C L, '~ji." 'If .H_I'IOb".C P, I lei' I" 'I ,eIlC( ,..~ ll.....,..\."""t;..:.lt~ CF ~t"fiI.~n"""""l'IS "'CtfE.':l>IhE...S- a:JIoHCE""'Y ~c..tr; i,.~ ~ljllll'ftl~"tF~'I~~'-~I,ilct~~E l~lr'~I,clc~:_I~~IElloll.tCI!E~'_ ~~ ,..;~.., F~.:t"Cl 51.,:~t '!'l toiLP YCl" .....",E FlJty~f. "'C~'G ~e Pi'fIllE"''i) I~ ..( "t~L ~(~t I ~~C~~Ar C"". CALL 'toE ~E~""5YL~'''I' toL~~I"C fl"'~~! ~r (, .. r L C I:lli.;>> J..~... J', ,. Fell Sj::A"(~'" l."~I.,,'~~ ~P~Akl"G H'SC,",S L' "'~"FI(..ct,..~. r'l A('~I.."( ~~:( 5l..",.. l"~Clilj"'Ct&, P~,ES 'FEe'" ~1.. ';.fiot.'.1-1.. A (~'fl"l.lll d,I~\cc 1:" 'iLJ "HA. ~l ,,': CCJlFIiE"CI ~L tt~~~~ttC ~~,~s':otkll~'et~1~~5vt~I~~~' ~~ell~'i'~~~~~~ct~~lF.I~)~~!~I~ o~oC\ I~ ""(kC ~ 'ClC'IC': .." Ie., P~!tt 'EA !l OUlt ~IPI _, P'!SlA.~ F_' il '~C",I"I lLI.ILC '.c.!c." If E~IR !'CV .C'Ie'Cf II'I'II'C! ..CO.... IL (Ltl P~!O! II~YA. I~ CIII OE LI PEACICI eEL l.fi:'t~"C A ~Hcr"'ll.l St.. pol~C ECI. Ce,."Jt (,lJSfCr-EIo, lt~\C~~ '~,!Ll~~~lE.~~~0~!.tlt~I~~L'2~~~lOhC~II~IIM!'~~~Y~\\~~~'l~Ci~; .;"(:.'~il' (.'.0\'01 '~.'OIOE l'I~\II'iE ICI:" l~'il 1'" -oc,-" T.f' "1'1' ~r fllr., jl~E F A ~Il'Eff~I:;" Y T ""FOi....y A~ H ~( If ~'.I... ~..'AIJ 1 ...0: ".[ '''' (t!'f C Q 1.." TA~,C I: "E'f' ,,"' LIO'" ~ . ,"" ."" ~ kH\(.,,~d ,~~~~, ,. 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'~r.~i.:iC,l'~' CF Ct'!.."t.1 ~ 'uL"'Clt~ ,li..r, ~~ ..h ,'- ~ All' ""~: .' \(lir:;lL' l.1\i' ~A('("Tl:..F' l' "'E.~.~l"'" . f""',C(,IIf'l'f :' YCl.oi f.,rf"",rll:~~. 'f' "",,; ..: ~ f i ,t ~ t_ I ~ t.. l. ~ I: il"l f k l C ~ '. ' 1"l',\ll..'" "r~ r ,l.l~(I~AI.. AI'i, 1\" tll Ll~...l ~lAll It~) lon'S. '~'II.i~[" :'EOII CC~'!~LI", 'T. I' l~ "lY 'HIlA" , ',~I"Cl..ilC Al.;\ll5E 'to- ! U:~..l; l~t FAILEe T~ ~AY o..o.r,rl, (I ,'_ .. €.I.I !of (lj, ,. -:.: A I" ~ . !.. ,>; ~ tl~l . 1,~J~~~r . cCl~ ~Ah'~l~J ~~~I~'~l C~~~ "H~ L l' ~ ~At. '~TC~lC. 1. l~lt~.~ClJ tr. '... d_.. "''':..." ", -, EXHIBIT'\ ~., .1';""" ..'.'1:.'1.' 'j."' .~-...~"-~""~~. C':'\ ....7"'1.. ,." 'IV,; ~ 11\ ~...".,.. .~ ':f . .,A '. 'f. .' or' " .~... " "~;".,,f)(,"':t~1 ',':'. /,"_,'" ".' '.... , J"'u ". Y 11. 1 'llt :0..,.,., ~,;. ~L( It, 1~~L~tl1Lr~tL~~~Lt~llE\ LELI',CEhCl II 1/,~/\,lC, I~" IL~ ~I~!f~,ri~~t~~\'" \,Jrt ,.....eE e"l':o.c~ I L~CQ€~'y 1~5~iC'I~~~1 iU~thJlW FUI. h.?~.cc Ill/Ice tl It. C tS,~/\,lO IEL!CCFiel~I~~'lE.'c~,fj~.~'I~~'.l~E.'aiLI\~.I"I! ~~GC~('C"Fi~,~~!~E !'~Es'a~\t F~C~ '~t ~~~~C_'l.~' ~~f~r,E~C' ~C~rGAG[ "SSI5'a~'E F~~C. l'" ,;toCE" fl,; cc rtol~, ,:t.; fIot.;H FilL l:l,'. SIGh At'O FILf a CC"'Pl~TEC t~~\t~2\t~' :~~~eefihCl'e.tl\1\lt~~~f[Lt~fL1Clll~~IE~I'tll~~~ E~ f~~ A",(~~(~l. ~h 'P~llC'II~~ F(~ '5~ JT'~Ct "..y ~hlY el cel"hft F~(~ . 'ChIC"'. c-eCII CeChIELl.C .ce.c,_ I.. CC.'~"t. CIEOII CCCh\(LI" ~~~~~l 9~~~ ~~~~(,I!'CL,p~t,c~I\~~hC,EL',"ICURpt~~~.~OI~l~ '~EL'lk~ .lh.'ce 'oE'Cl, 'cc' '~FLIC.'leh "C;I ~E FILEC CR ptll"~KEe, oli." r~l~rY CJC) CAY~ CF YC~~ F&'E.'C-~&~~ ~EErl~G. tr l~ ('''E'~U I""C"." I..., 'CI. Fill l,:yl .PPLlc'IIC. FIe"PILl, :, LL "C 'U.L Sl, CR IF '"L lC hCl Fell" CI"ER o! FEPICCI Ii I ...r. I. "'S ltlH~, 'C"EeLeR'. ." '.CCHD 'CAI.II lCcI "c>t '",....e CI.arH 't. A\ltlljJLt 't.."c~ rc.. Elot ~-:'i'.C'f' ".-:\or':~;i "~~I~r"'CE I~e 'i't~' ll"'I'I::[. r"t' ..ILL,l~ ~ISll..io~tC I'I'Y '''''l "I.~.""C' l."'';~~ '''''E f.LIGr:!lllr, C~IT~IO[.l l ,jrAt'll~...t:C ~~y rrE "". If lS [l'~t~EL' ,,,pc~r'~T T~" 'I:L' APPLI'ATIC~ IS ,'c~g.rf .~c l_~~Lt'[ lr. l'i'E~Y ~t~~~C'. '''''t: rl"""~'L_""'lj ~C~5l~G fl~'h(E '~E"'(' i~~LICit'~" I.El.I~~Yl.,IC'cet'\C~'L ~\!.r!C~c '~!E~L~!U.~!6&~~!~cl~t~ IOrlL d. ~\""Sl"EC ".11\51 'f''':l If ..'~;. l-J\lt "FT tto~ n"'t QEQ\,dAt..r::",rs ~E' f:..r,.. 1:..1~.E. 't'r::l" -ILL ~~ "C'Il'lt~... !"ItCll' bY 'toe 'CE"'" .:~ ITS .tLl~l~f. ~~ ,~~~ AP~Ll("IC~ '~t ~l~t.}'~~A~'A ~C~5t~~ Fl~A~C, :'.('" IS LGe'fEe "~lCl ~C~,~ F~~~r S'~~tr. ~C~T CFFICt ~C~ ;:~ i. "'~~I$a~RG. PEh~S~L~'hll 17l(~. l!b~~t~'ti,~.,i..llll'.li6i~~CE,~"lfc;i!!!~li21!l\4S~L F.E! 'Col,", l~ 4CClr:,.~. .~~ ~.. .~CEI~~ '.,~l._. '~ll~\"~~ 1,-'0. .'~tl ,~lll~~1 Ie ~ 'r~ l.. "'/;.. ..I" 1... t I.. ..... ' . , "I",. r.....' h.~ h(. "HE ...~: (.t'l.,l..~t ,[" t.~t;.Ct5~ 'CL~ "Ie,., ~;. j: r >~Cl,f:!r.:.: \"j.:.~:, lIIt1ILt: ..~\" 'oo V~.., '''l.:L' 'Ct...~. ~.~'e~T!t,~~.~ CCU~5tL~~ ~:~,~,~i L~'~ 'C~l~l~~"'IC~ " T :C.: ~~.:'" ''''I~ LEhCE" v.ct.. :~t; jl~~E'I~tElCF!~~~Ehll~t.lk ',.'1'1..':'1\16 L'h. t'lC..t~E~. IF h.1.. t.~. :... 'toolS ,",C"Ci. Y(l. CA~.~,':' ," ,.., .SSISI,'CE, "'(' "'''.-ceef: /' .......~r l, l.t. J - ~.. C J 'j 'o' T - tel i ~~I,~~L\": ,..~~r~A~L (:~~~ ~. ~;~~t .. LF .. f C.. ..~1'..,. \.:.~. A"'C'.lC.. T.' 1a~I:.~.et:i~ '.,.... I (..., ", I '" ,,, l,r' " , , " I... , ,; , ; , r", : I. , I I.i " ii' , ..."\ I , I ";';', (.)1 1Il< <H ~~ ~> o-l ~ Z>< Cl: alll ::J ~! ~8 U~.l Cl: o I~ 10 au ~ I- Z OHZ HUZUH "" .... "... 0.- uc .... ~ I'CI Cl.-i <c.. Cl I-< Cl: o X I-< I-< ~ Z 0: < al .- c I'CI 'tl . c Z ill H... ~ ill o-lQ al < I-< 1Il , > li<: >< Cl: Cl: < al KIll "".. _Ollln. ""I~" ..."", <*1iIltO; 004W1t'lWOI1'jWlI".,.. Ul ~ < o , Z '0 c.. 0 OUI-<Cl:1-< HZ 0 1-<....Cl:UI-< ::J W Z I-< 'Cl W < HClCl:Cl::l I-<ZW<Ul Ul....:tClO::N alQ I-<::l.,., ::JZ>< 0:: c...., Ultolo:lO N 0-1 :t. >< 0: ~ 0: tol 0 Ul t... c.. <Otl) 0 H . I-<....Ulo-1I- < o-ll'Cl >:CUlo:l~~ ~ "d ~~ 1" 5 ~ . . -, . .. -, rnih ""'110' " I Rlllm 10: Mi~'IIlmDlll ~otpoI'llon " o. 110, C~ CA 16OOt-171O '"nd An~ HoUoII 10 Alliin". A__i.nJrnont o~ Mort..... 'or Good end VIlI.", COII,",lIon, the IIJlnulnC, 01 wNcIIll hallb, 'clInoflltdged, IhI 1Ildtr"""' FlIST HATlCHN. I~J .. Hlt)qnal linking AllodltlOll ' , 1I~1H"1l11 I,VII YIIW111lOt Avl/1llt, an 1lIt: ~"IU (AlaIntl D, I I PI"lnt. lion COftVt1, lIIen~ DIIGUl.J II """,. IIId III mr IN dtl0rh4 1/10II"... loOilMr "Uh I eertl~ /1010(.) 'IKIe,' lMIlIn With' Ilfll, .1 Ion.. Ind .", "",I M or 10btoOllit fJllhlilOllIOl IANCIlU8 MOilrllA06 COf!'..J. Tim Corporlllon ,.o..i. 411l~ aln I' TX TUII IA..9lt1l animorlllllll reCOl' II \lit allll 0' PA. eMI, 0' CUlnDlfIInd. olldll R.cordl 11: 1111'" Al Iooklv lID. H3 on Plgl all 0' tlm:.::: ,~~ ":1~81G1 C~.", ,.s ~ 'I ~. if. . II ~~ ~ . !'I ~. !I :~ ~'~'" Ii a~~ 1 ~~~ ;: ,~ ... fj WITH..a WIIMOf. 111I .,,'"', OOl>>lIWOlI hll CIVil' 11I1 111111III011110 "' mevl,d II I..'"d h</I\IIIIIII ,,111 P10001 ollotr wIIO wu IUf .vtlIlIIIlld " I '"0ll1l0n 0' ft, !Ioard 01 _ector.. fj~' ~"~ ekttl992 " ~.?di~rfllt{tUZ'JJ My OO~j",I.n Ixplll. Hlloh 10, 1'" r'lr"'~ ~" ft, I, I~onl ~'" II HAn'llmlnl aOlfOllll0n '.0, lox 1'10, CIMpl. 1, CA 'HO', IlaOI , 1.1 L." ""101 Ind L." 10"'1'0 lnv..IOI " O'S""'S' neo I ".011 'A OllllDnhft' PlN^L A.m.O ,.1.111 .OUI 11 US 'ilL HI _- ...~=.t._~ , "Ill. -- 10,11II ....t ..flt..O' eOOK 432 rlCl 341 . " C.RTIPICATZ OP S.RVIC. I, Barbara A. Sha.del, an employee of the law firm of Purcell, Krug & Haller, do hereby certify that I served a true and correct copy of the Voluntary Subst i tution of Homeside Lending, Inc., Successor by Merger to BancPlus Mortgage Corp. as Plaintiff, Pu~'suant to Pa.R,C,P. 2352 upon the following by depositing same in the United States Mail, First Class Postage, Postage Prepaid, addressed as follows; Michael L. Bangs, Esquire 302 South 18'" Street Camp Hill, PA 17011 Attorney for Defendant, Barry K, Stablein ~ , /j , /' " UI.J6..A.t-- (I . yJI...c.../-t.L- &arbara A. Sradel Dated: ;/~jq1 \ SHAPIRO AND UIISMAN BYI NANCY A. WORTH, ISQUIRE ATTORNIY 1.0. NO. 50596 8OUTHPOINT OFFICI COMPLIX 1160 WEST SWIDISPORD ROAD, SUITI 350 BERWYN, PA 19312 TELEPHONE 610 695-9240 Barnett lIort9age Co. COURT OF COIINON PLIAS PLAINTIFF CUMBERLAND CQUNTY VS. NO:96-2967 civil Barry R. Stable in DErINDANT(S) PRA2CIPE TO SUBSTITUTE VERIPICATION TO THE PROTHONOTARY: Rindly .ub.tituh the attached Verification in the a~ve- captioned civil action. Re.pactfully Submitted, SHAPIRO , UEISMAN BYI A4' NANCY At/ ORTH, ESQUIR Attornsy for plaintiff 96-9427 . IIrnttt Mortg.ee Co, v., Itrrv Ie, It.bllln VERIFICATION Th. underllgned, .n olllel' of thl Corporttlon which II thl P1llntlff In the torqolng Complaint or en offlctr of the Corpol'ltlon which II thl IIrvlclng .glnt of "llntlff, .nd btlng .uthorlled to m.k, thl. verlflc,tlon on blh.lf of PI.lntlff, htreby verltl.. that thl f.cta lit forth In thl fori going Compl.lnt .re takln from recorda maintained by IIIl'IOn. ,ulllrvllld by thl underllgned who mllntlln the bUllnl.. record. of the Mortg88t hlld by Plllntl" In the ordlnlry cour.. of bu.ln..1 Ind thlt thO" tlCt. Ire true end correct to thl bllt Of the knowlldgl, Inform.tlon Ind belilt af the undtrllgntd, I UNDERSTAND THATFALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THI! PENALTIES OF 11 PA.C,S. SECTION .904 RELATING TO. UNSWORN FALSIFICATION TO AUTHORITIES. Dltl: 5/31/96 '~/J me: James L. DeLoach Tltl.: Vice President Camplny: Barnett Mortgage Co, LOIn 10781110 ......27 , , I 'I I, >- T'~ l'" p~: tt~, ~.~ )1. . !II" ~/l" L.. , II, U ," L,; " t:~', .r L) ~' :.l~ lLi " ;0" ~ ; f lJ~~ :-.:; . It:.) '.'1Ll.. .' ~j (J " '\ ,,, . . " ,"J ,'''-I _,I) (;. \ I " " " " , , " " . './ " " , , " " ,I I' I " , , , , ' " , ',l,:Jj f ' I'; .\', ) " J I" " " Ii" I '1.1 'I d!\{;t.tIJ r'. " " ''.' I II , " , , ',' " I, '_1"1 ,I. I I ':~ ,,::/ -'i"!!;"1 1"/1' . :':J~ ~. .'j{' ;' I :,~ II" t Iii,) I<~ .ijf :J;- \L(:}: ") /, "I' i" " :,'}' ,},';- i, ,,1" :1 "._'~ , I , 1 " I' , , , , ", VI I;; ::> ~ II I~ Co I " ii, , , ",I " " " , I' ", , " 1 f" .1" " , I, I', l,i,~, ,I)t \);J' '!' Ii j'; lilll 'Hr" , .....M 'I ii, " " ,j ',I. ,:'-( 'II t ~' It' 'I 1 " " , \'1 " , d' , ;'1', I, I, " " rJ,' , " " , , , ' " ," '. . ,I , " , , " 'T ... ',..: J , " " I , i' ~, , , .t \ ; .. f" , I i , <, :,J , , " I """, . r....~" ,\ , q " " , ' . , \ r ;J'I .' I' . ~.. " , , i~ \" \ . '" , , '11;,,' I"~ ':1. , ,I: ; . F , I I .. ITAULUN AfI'I21H1"'N'III~KI. HOMES IDE LENDING, INC., SUCCESSOR BY MERGER TO BANCPLUS MORTGAGE CORP.. Plaintitl' IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA ) ) ) ) ) ) ) ) ) IN MORTGAGE FORECLOSURE NO. 96-2967 CIVIL vs, CIVIL ACTION - LAW BARRY K. STABLEIN, Delendant AFFIDAYlI BARRY K, STABLElN, being duly sworn. deposes and says as follows: I , i ,I, I I 1. I am Barry K, Stablcin. mortgagor of the property located at 612 York Circle, Mechanicsburg, Pennsylvania. 17025. 2, On or about September 25. 1989. I secured a mortgage on the property with Broadview Mortgage Company in the amount of $76.000.00; the mortgage was subsequently assigned to Homeside Lending, Inc.. Barnett Mortgage Co.. c/o BancPlus Mortgage Corp. 3. Since September, 1989. my mortgage payments have been approximately $9,900.00 per year; however I do not know what amounts have been applied to principal and what amounts ,; ,I I I I ; 'I I have been applied to interest. or what other charges the bank is seeking, In lI,jovember. 1995. I began to experience dilliculty in making the mortgagc payments of $826.00 per month, 4. On or about February 8. 1996, I met with Consumer Crcdit Counseling Service of Greater Harrisburg in an attcmpt to establish a repayment schedule with the mortgagee, ~ ., . 5. In March. 1996, I proposed a rcpayment schcdule to BallcPlus Mortgage Company and their law firm; I advised BancPlus and their counsclthatl was totally disabled and unable to work, 6. From May through August. 1996. I attempted to establish a rcpaymcnt schcdulc with Homeside Lending Co, At various timcs I rcquestcd specific payoff amounts of which I was unaware and as w~lI. 1 challcngcd thc right of thc mortgagcc to collect counsel fccs, 7, Unbeknownst to mc. a Complaint in Mortgagc Foreclosurc was tilcd in this Court on May 28,1996. and was apparcntly reinstated on August 12, 1996. and again on April 24, 1997. 8. On January 26. 1999, 1 scnt a certified lctter to First Amcrican Loss Mitigation Serviccs in an attempt to rcsolve my delinquency pursuant to protection ollered by the mortgage owner: Fcderal Home Loan Mortgage Corporation (Frcddie Mac). A true and correct copy of my request is attached hereto and incorporated herein by rclerence; notice of my request was provided to counsel for Plaintiff. l',1 .r\(L~/.. ;,~il...l,,( (I '0- ~. ST BLEIN SWORN TO AND SlJBSC;RIBED BEFORE ~E1tIIS /-'1 DA Y OF \ .1t l1\.Wl iL ( . 1999, ~ !LG lL, In))l(, NOTARY PUBLI ,,--.... ..,.....-...' r.~-.._....,. . .' l,., ~ '. ' " \'J\'j' "I t . - " ' i ,".', \' I '.1 " I'". \ ,.,. I ,d J 2 . January 26, 1999 Barry Stablein P.O. Box 386 Mechanicsburg. Pa 17055 First American Loss Mitigation Services 10 Commerce Court New Orlea~s. La 70123 RE: Your letter(copy enclosed) 1 Dear Mr, Beauchamp: I apologise for not being able to contact you sooner, I am a ~1abetic with many complications. I was in the hospital in October 1998 and November 1998 with major surgery ha'ring been performed, Because of the anastesia and other drugs used follow- ing my surgery I was medically unable to contact you. My medical condition is the reason for my being behind on my mortgage. I am very interested in saving my home. Please send me the details on how I can accomplish this. Sincerely. Barry Stablein " " .. ~. , '., " " .f; '\ \ " " , . P 1f21l 'ID'I Dall ..... . 7) 1'~c7 c..thd ,.. . . I!I>odII DII*Y'" ~Id 001""1 ,.. '*""" Showln9 10 _1_0.'_ iDlltI_'_ I ",TA. ~:IOI ~ I ~ ,I,-zoS i' ~ \1. . o. Le ;:;-: N , , rP ). ", " '! . i '\-1 ' (If. fi;. I ..1 , U.'. ~, , 1'. \, I. LJ I' r'.' tJ ~'\ '.J mo<( 0<(.... ~~ I:l.> 3~1 . ~ ..:I . . z>o . 0 p.. 4--l '" om U+JO::f.4-4 c ~~ Z 0.-< III ~ ....1-4(,)...., 'C Ow CIJ c . c ~ S ~ UI:l. 0<( "0'I~.,..j :z CIJ E-< - ~ ..:I t:ll-<t:llll ........ .... \t~ t.. . :ZCIJoO;'-< W CIJ > : o . I ....:l:t:l'" ..:10 00; (5 G 0 0 ~ 0 E-< o:l 0 . ~ . ~ 7 ; E-, '" ...: .... . '" ...ow ~I.o 0 E-< ~ )5 ~ ::lO"'....~ ..:I 1-<:1: m ~ O:Z"'~~ 00; Uo<(NU W om . ..:II<E-< 0 IIl::l :.: w"'", "" .... IIl..:l ~ :t:w",..:IO m C1JI:l. >0 E-<o:l ....;1: W UU '" ~ .> ~UZ . '" Z O....Z ::l00; > 00; ....UZU.... ::t:Cf)1IJ o:l 1.wt.....lDUIU. '...H.....n". OIiIlIlllOlOO."""'~"'n""'" HOMES IDE LENDING, INC., Successor by Merger to BANCPLUS MORTGAGE CORP. , P].aint~,ff IN THE COURT OF COMMON PLEAS CUMBERLAND CO., PENNSYLVANIA NO. 96-296'7 v. BARRY K. STABLEIN, Defendant CIVIL ACTION - l,AW IN MORTGAGE FORECLOSURE STATE OF FLORIDA SSI LOAN NO. 10756190 AFFIDAVIT Tracy Crawford, being duly sworn, deposes and saysl 1. That she is a Vice President of lIomeaide l"llldlng, Inc., Successor by Merger to BancPlus Mortgage CQrp., whidl haB a bus inBBB address of 9601 McAllister Freeway, p, O. Box 47524. San Antonio, Texas 78216-4605, and has personal knowledge of the facts hereafter Bet forth. 2. That Homeside Lending, Inc., Successor by Merger to BancPlua Mortgage Corp. 1s the owner and holder of a Note dated Septllmber 25, 1989, executed by Barry K. Stable!n in tho odginl,i amollnt of $76,000.00. A true and correct copy of the Not." WitH att.whed to Plaintiff's Complaint as Exhibit "A". 3. That said Note 1s secured by a Mor..tqage IJxflcut.ed by flnl'\'Y K. Stablein, as recorded in Cumberlund COllnt y Mon.qa'l" Book 'l'd, P.l'1<'1 '; 13, in the Records of Cumberland County, PI~nnRyl viln i.l. 'l'ho Mon.'Jago was assigned to First National Bank on October 29, 1~91 and recorded in Book 406, J?age 657; further assigned to ElancPi\1II Mort.'lil<Je Corp. on November 30, 1992 and recorded in Book 432, P,J'Ju H]. lIoll111llide Lending, Inc. is the Successor by Merget. to IlmwpiuH Mort<Jll'lo Corp. True and correct copies of the Mortgil<j8 and Allul'lllmmJt'a IIt'l! .H,t.ached heret.o. 4. That the present owner of n~c'H'd Ilf Stablein, whose last known mailing addrslIn Pennsylvania 17025. t.ho pl'lJpeny ill Bat'ry K. ill ;1'-4 Brian (load, Enola, 5. That said Note is now in default, installment being November 1, 1995. 6. That the outstanding balance, exclutJive of .lttorney's fees and costs, as of December 31, 1998 is liD folloW~1 the dUI! dilte of the last Present principal balance Interest from 10/1/95 to 12/]1/~8 Escrow advance Late charges due IlIspection fees BPO/Appraisal fee $ '72,626.55 23,108.74 1i,'158.41 I, .120.00 244.30 .___ 85.00 Total to pay loan in full $lll1,'>43.00 7. '.QIa~ 1Gte_t "c~, bOlll the 1.t .YO of Ja""lluy, 1''', at: tbII " . '1"- lQ ~4 "",""".-. ' . . That the IlIClnthlv pa)'lll.nt h $ 826.00 t. Tbal: l.gal t... incurnd to clat. .re . 1.800.00 10. That legal co.t. incu~~ed to Gate are $ 756.5l 11. That the amount n.c....~ to r.in.tat. the moztwawe, .xolulive of .tto~ey'e feee and COBte, a. of Pec.mb.~ 3~. ~,.. L' a, follow.. 38 Payments @ $826.00 Late charges Escrow shortage BPO/Appraisal fee Inspection fees $31,388.00 1,320.00 520.86 85.00 244.30 TOTAL TO REINSTATE $33,558.16 12. That by 1.tt.~ 4ate4 J~uary 11, 1"', the Plaintiff leut by ngu.la:.: mail. a copy of the kt J1 Notice to OtIfandUlt at hi, la,t Imowa aellSl:"", A true anel C:Ol'l:'ect c:opy of the Act t1 NoticI wa, attachacl to Plaintiff'. COmplaint au 2xhibit "B". HOMIS!1). LIRDIJIG, t~CPL'O'S MORTGAGE SUCCGRSOr by Merger By: Tracy Crawford, Vice Pre t . 8WO~ \t.o and eub~ibed ~fol'e 1M thi, ~ llay of l X('t' n'X~ .' un. 1\ III A/1 /I l C il/lYvJ 01......- ~ary Piific My COmmieeion Ixpi:.:el: fSDL) '"!//I'H''' OI,INA C, JOHNSON I,'fi:~i} MY COMMISSION' CC 7378B3 I~i, ,,i EXPIRES Apn127, 2001 ~::r. r:,r;r.iJ Ilnndtd Thill Not'l'l P~bhc UI"Jlrwnllls TOTiIIL II.. ACCOUNT ,: 20~619 , "UNIFORM COVENANTS B.orrower and lender covenant and agree 88 follows: . : 1, Pivmlnl or Prlnclplllnd In'orl.': Pro~vmlnllnd Loll Charga., Borrower .hall promptlv PaV when dUI Ihe principal of and Inlere.' on 'he deblevldenCed "V 'hi NOle and anv ",epovrn.ntand lall chargel dUI under Ihe NOI., 2. Fund. ror Taxl.lnd Inlur.nce. 5u~18ct lo appllclbl81aw or 10 It wrlllen waiver by lender. Borrower ahall pay tQ lender on Ihe day monthly payment. ar. due under the Note, unllllhe Note I, paid In ruu, 8 lum (-Fund'") squaliD one.twelhh of: (a) y.ariy taXUI and l"lument, which may allaln priorIty OVQrlhla Security Instrument; (b) yearly leasehold payments or ground rentl on the Property. If any; (c) yearly hazard inlurlne. premiums; and (d) Vllliy mortgagelnsuranCB promlums, I' 811Y. These ltemfS 'Ire called .olcrow lIoms . Lendor may 8sUmale thQ Funds duo on tho blt.sJa 01 current data and reasonable estimates 01 fulure escrow Items, The Fundllhall be held In en InsUlullon the deposits or 8ccour:11 or which ar.lnsured or guaranleed by a foderal (Jr Ilale agency (Including Lender II Lender Is such an InsUlutlon), Lendor shall apply Ihe Fundi 10 pay th, escrow lIems Lender may nol charge for holding and Ipplylng tho Funds, enalyzlng thu accounl or verifying the escrow lIoms, unless L.nder pays Borrower Interest on the Fundi and appllclb/ellw permits Lender to mike luch. charge, Borrower end lender may .greeln writing that Interest shall be paId on the FUnds,Unless all agreement III made or applicable law requlr81 Interest to be paid, Lender shall not be roqulred to pay Borrower any Interest or earnings on the Funds. Lendar shall g""810 Borrowor, without chorge, an annuulacc;ounllng of the Funds showing credilS 8nd debits to the Funds and tho purpoII lor which each debit 10 the Funds was made. The Funds are pledged 86 adlJllIOf1al security lor the sums secured by this Slcurlly tn!Strumenl. If Ihe amount or Ihe Funds held by Lender, together wllh the ruture monthly pAyments 01 Funds pllYllble prior 10 the due detfs 01 the escrow Items. shall exceed the amounl required to pay Ihe escrow lIoms when due, Ihe excess SNII bu, at Borrower'l opllon, either promptly r.pald to Borrower or credited to Borrower on monthly paymenls 01 Funda. It Ihe amount of the Funds held by Lender Is not suNlclent (0 pay thrr escrow lIems when dUd, Borrower shall pay to Lender Bny amount nectuary to make up the deficiency In one or more Plymenl.5 BS requited by Lender. , Upon payment In full 01 aU lums secured by this Security Instrument, Lenderlhall promptly rerund to Borrower .ny Fundi held by Lender. It under paragraph 19 the Property II sold or or acquired by Lender, Lend.r ahall apply. no laler lhan Immedlololv prlorlo Ihe ..II of tho Property or liS ocqulslllon bV Lender, .ny Fundi hold bV Lende, 11th. lIml 01 application II I credll _gall,.t the lumli lecured by thll Security Inslrument. 3, ApplIcation 0' P.ymlnt.. Unless applicable law prO\lId61 0lhorwl58, all payments received by Lender urder paragraphs 1 and 2 shall be Bpplled: IIrst, to lale charges duo under th., NOle; second, to prepayment charges due under Iho Note; third, to emounts payeble under parllgraph 2; fourth, to Interest due; and la61, 10 principal due. at, eh.rg.l; L1enl, Borrower shall pay all t8X8S, assessmenlS, cherges, fines and ImposUlons attributable to the Property which may attain prlorlly over this Security Instrument, and loasehold payments or ground rents, It any. Borrower shall ply these obligations In the mannar provided In paragraph 2, or II nol paid In that mannar, Borrower shall pay them on Ume directly to the person who owed payment. Borrower shall prompUy furnish 10 Lender all notlCII olamounl to be paid under this paragraph, It Borrower makes theae paymenls dlreclly, BOrlower shall promptly furnish to Londor recelpll .....Idenclng the paymenls. Borrower shall promptly discharge Bny lien which has priority over Ihls SeclJIlly lnslrumenl unlesl Borrower: (a) agrllsln wrlUng to the payment 01 Ihe obligation sacured by the lien In a manner acceptable to Lender; (b) contesls In good lalth Ihlllen by, or defends egalnst enforcemenl (lllhe lien In, legRI proceedIngs which In tho L,ender'lS opinIon operate to prevef1tthe enforcement or Ihellen or lorlelture or any part 01 the Property; or (c) IIcures from Ihe hordtu of the lien an agreement satisflctory to Lender subordinating the lien 10 Ihls Securlly Instrument. If Lender del ermines thet eny part 01 thl Property IssubjBct to 0 lien which may attain prlorlly over 11116 Securily Instrumen!. Lender may gIve Borrower B notlceldentilylng the lien. Borrower shall sallsfy the lIen or take ana or more of Ihe Bcllons set forth abo....e wllhln 10 days 0' Iho giving 0' notice, &, Hlnrd Inlurance. Borrower shall keep tho Improvements now 8xl511ng or hereafter erecled on the Property Insured 8g81nlll08s by tlr8, hazards Included within Ihe term "extended coverage" and any other hazards lor whIch Lender requIres Insurance, This Insurance shalt be malnlalned In Iho amou.,ls and for the periods that lender requires. l'he Insurance carrier providing Ihe Insurance shall be chosen bV Borrower sublect to Lender's approval which shall not be unreasonablv wllhheld, All Insurance poIlcles and renewals lihall be Bcceplobleto Lender and shall Include a slandard mortgage cleuse, Lend.. shall havelhe right 10 hold the policies end renewal., If Lender requl,es, Borrower shall prompllv give ',0 Lande' all receipts of paid premiums and renewal nollcns. In the event ot loss, Borrower shall give prompt nollce to thelnslJrance carrier Bnd Lender, Lender may make prool of loss If not made prompUy by Borrower. Unless Lender and Borrower otherwise agree In wrlllng, Insurance proceeds SMII be applied to restoration or repair of the Property damaged, IIlhe restoration or repair Is economically leoslble and Lender's sQcurlly Is not lessened. It the restoration or repair Is not economically lea!ilble or Lender's security would bele6sened, the Insurance proceeds sholl be applIed to the sums secured by thIs Securlly Instrument, whether or not then due, with any excess paid to Borrower. II Borrower abandonl the Propel1y, or does not answar within 30 days a nollce horn lendor IhQllho Insurance carrior has oHered to sellle a claIm, Ihen Lender may collect the Insurance proceeds. Lunder may U50 the procoeds 10 repair or restore the Property or to PRy sums secured by this Security InslrumRnl, whelher or not then due. The 30-dBY period wUl begin when the noUce 15 given, Unless Lender Bnd Borrower otherwise agree In writing, any application 01 proceeds to principal shall not elC1end or poslponethe due date of the monlhly paynHHlls relerred to In paragraphs I and 2 or change the amounl olthe paymellts, If under paragraph 19 the Proper1y Is acquired by Lender, Borrower's rlghl to any rnsurenCl~ policies and proceeds resulUng from dlmageto Ihe Property prior 10 the acquisition shall pass to Lender 10 the ex1enl of the 'iums socured by Ihls Security InstrumentlmmedlalQ{y prior to Ihe acqlJlsltlon. 8, Pr...rvIUon Ind Malntenenc. at Property; Leaseholds. Borrower shall not destroy, damage or substantially change (he Property, allow tho Property 10 delerlorate or COlT'mlt wasle, If this Securlly lnslrumentls en a leesehold, Borrower shall comply with the provisions of the leailo, end If Borrower acquIres lee tlUe to the Property, thele8sehold and ree Utle ahall nol mergo unless Lender agrees to the merger In wrlllng. 7. Prol.ctlon 01 L.ond.r', Rlghtlln Ihe Property; Mortgagelnlurance. If Borrower lalts 10 perlorm the covenanls and agreements contained In this Security Inalrument, or thore Is a legal proceeding that may significantly oNect Lender', rights In the Property (such as B procuedlng In bankruplcy, probato, for condemnation or 10 enrorcelBw8 or rllgullllo".), Ihon Lender "'oy do and P8'( 'or whel"ve, I. nece,sa'Y 10 prolecllhe value ollhe Proparty Bnd Lender's 'Ighl. In the Property. Lender', Bcllons may Include paying any sums secured by alien which has prlCJrlty over Ihls Security Instrumenl, appeellng In court, payIng reasonable oltornltys' ffltfS Bnd entering on Ihe Property to make repairs, Although Linder may like .ctlon under this paragraph 7, Lender does nof have todo 60. Any amounts disbursed by Lender under this paragraph 7 shall becolne additional debt 01 Borrower secured by thIs Security Instrumlnt. Unl." Borrower and Lender agree to other terrnl 01 payment thel9Bmounls shall belr In1erllt 'rom thl dati 01 dllburument Illh, Note rille and Ihall be paylble, with Interelt, upon n011e1 rrom Lender 10 Borrower ~;;nir' ~ f;.'" \~,; ~'t' 11 ACCOUNT .: 105619 fpqlllltlugpevmunl, . If L.nder required nlQrtgago In5Uf81lCB 0' a condlllon 01 moklng Ihe loon 6ftCurocJ by Ihll S.ecurlty IIl6Hunuml, p'ouowwr ,hall p.y thl premlunls required 10 malOlal" Ihltln!JufA"cu In effect unlllluch 111m, II 'hv ,equlrl!menllor Iho Inlur.nr.ltermlnal" In accordance wllh BonolNg,', and Lende,', wtillen ."rellTlolll or applicable law. e, Inlpecllon. Lende' or It.egolll may 1110~U ruaaollllble unlrlUI upon and lllipoclions ollho Property, Lunder lhall give Borrowe, nOllc. al the Urn. of or prior 10 an Inlpotllon 6puclfylnu rUlI.lonablu CBUII tor Ihalnl5pucUoll e. Condemnlllon, 'the proceoo' 01 ony award or clulm 101' dOIllIIUOI, direct or COIl5UQuonllot, III connection wllh Iny condemnallon or olhe, taking 01 allY pert 01 Ihn Proporty. or lor con\lOY8neo In 1I0u 01 condon1l1Dllon, are horeby 1..lgnlld Ind lhell be paid 10 Lendor In thl event 01 slot.ltsklng ollhe Property, tho procoods shnll bo uppllod 10 Iho Gums sucurod by Ihlll Sucurily Inwument, wheth., or nollhen due, with Iny .lCCOII paid 10 Borrower. In Iho ovonl 01 0 partIal laking ollllo Proporty. un/e.. BOlrower and Lendor Olhorwl$O agreo hi wrlling, the IUIllI 6Gcurod by Ihll Sucurity In6lruIllllnllilloll b. roduc.)d by Ih. ..noo"1 of Ihe plOC.edlS mulllplltd by Ihelollowlng Iracllon. (8) III.lolal omounl 01 Ihe sum6 secured Immedlalely belore the lIking, dIvided by (b) the Inlr markul vulue ollho Property Il1lmodlnfoly before Ihe laklno. Any balance 6holl be paid 10 Borrower It Ihl Property II abandoned by BDrrower. or II, oltor nollee by Lendor hl Borrowur that Ihe condol1lllor ollera to make In Iward or 11111. I claim 'or dalT\llgll, Borrower Ilnalo rlap(md 10 Lender within 30 dlY'lher Ihl dltl the nollclls glWn, L"lder II authorized to collect and apply Ihl proceedll. 01111 opllon, ellhur 11.3 rOllorollo'1 or repolr ollho Property or to the .um. .acurtd bV Ihla S.curlly Inatrument, whelher or not then dUI Unl... Linder Ind Borrower oth.NfI" Igr..ln wrlllng, any appllcallon 0' proceodl to princlpel Ihall nol elClend or POllponllhe dUI dll' of Ihe monlhly paym.nll relorred to In peragrlphl 1 and 2 or chanoe the amount of .uch paymenll, 10. Borrow., Not ""..aid; Forbearlnce by Lender Noll Wllver. E>rtenslon 01 the lime for pBymfint or modlllCltlon 0' .mortlzatlon of Ih. Gum. IIcured by this S.curlty In51rUmftpt grlnted by Lender to any Bucc"sor In Inl"'" of Borrower lhall not oper.t.IO rll....th.llIbUlty 0' Ih. original Borrower or Borrower'a IUCClllo"ln Inttralt. Llnd.r lhall not be requlrod 10 commence proceedlnUlllgaln~t Iny SUCClll6Qr In Inter'61 or relusu to .)(1000 Ume lor paymenl or olherwlll modify amortlZllIon 0' the sums secured by thll Security Inslrument by rOBlon 0' ony demand made by Ih. ort,ln.1 Borrow.r or Borrower'a IUCCIUOtlllnlnter8lt. Any lorbo8ranr;e by Lender In exercIsing Iny nuht or '8m8d~ IhllI nOl b.. wllvlf 01 or predud.lh. 'lCorclao 01 any right or remedy 1'. SucC.lloralnd AIIlgnl Bound; Jolnl and Severll L1lblllty; CO'llgner.. The covonants and agreemenls 01 thll Securlly Inslrumenlshlll bInd 8nd benollllhe 6uccellor, and esslgns 01 Londor end Borrower, subJe~t 10 the provlllol\lS 01 plragrlph 17. Borrower's covenanlllnd agreoments shall bo Jolnl al'\d IUveral. Any Borrower who cO'llgns this Securily Inllrumenl bUI doea nol execule Ihe Note: (I) Is cO'6lgnlno Ihls Oecurily Inslrument only to mOl10lJgo, grant and convoy that Borrower'slnler"t In the Property under Ihe lerllls 01 lhls Security Instrumenl; (b) Is nol personally obligated to poy the lums secured by Ihls Securlly Inslrumenl; ond (c) ag,e05lhol Londor and any othor Borrower may agrae 10 o)l'end, modify, forb""r or ll18~e any accomooallonll with regard 10 the lorms 01 thIs Security Inslrument or the Nole without thai BOflower'. consent. 12. LOIn Chlfg... If thlloan secured by Ihl5 Security Inslrumonlls subjecllo aluwwhleh 68tS malClmum loan chergll, .nd lhalllw 1IIInally Inlerpreted 10 Ihatlhe Inlerlst or other loan r.harges collocted or to bo Col'lIcted In connection wUh the tOlln elCceed the pormllled IIml!s, then: (a) any such loan chargo sholl be reducod by Iho amount I1tclllary 10 reduce the charge 10 tho permllled IImll; and (b) Imy 8ums already collected from Borrower whIch elCceeded permlned limits will be relunded to Borrower. Lender may choosy 10 make thll refund by reducing the princIpal owed under the NOlI or by making I dlrlct peym.nllO Borrower. lIa refund rad..JclI principII, the reduction will belrealed 1'1 perttal prepayment without any prepaymenl charge under the Notl. 13, LlglalaUon Affecting Lend,,'a Right., II onactmenl or 8xplraUon 01 applicable IlIws has tho etrect 0' renderIng arlY previllon of the Nailor Ihls Seeurlly Inslrument unonforcRBble accordIng 10 I!slerms, LElI1der, 01 It I opliOrl, mey "qulr,lmmedlale paymenl In fun or allllum5 secured by Ihls Security Ins!rument end may Invoke Bny remedies permitted by peragrlph 10. II lender exercls8llhls opUon, lender shell takelhe sleps specIfied In the second paragraph 0' paragraph 17, 1.. Netic... Any nollc'lo Borrower provided for In Ihls Securlly Instrument shall be glv,n by delivering It or by ITIIUlng It by flra' cll" m.O unlelllppllclblellw requlrel ulle 01 8,,0ll'ler melhod. The noUce shall be dIrected 10 Ihl Property Add"" or any other addre" Borrower desIgnates by 1101lce 10 lender. Any nollce to Lender shall be given by IIral dlle maU 10 lendlr'slddrell ataled herlln or any olher address Lender deslgnalell by nollcl to Borrower. Any noUell provided 'or In Ihl. Security Instrumentlhall be daemed 10 have been given to Borrower or Lender when gIven I' provided In Ihll paragraph, 15, Govlrnlng LAw; S.v"lblllty, ThIs Secur"y Inslrument shall be governed by loderallaw and Ihe law 0' the Jurlldlellon In which thl Property 1,loclled. In Ihe evenl thatlny prO\llslon or clause or Ihll Security Instrumenl or lhe Not. conftlctl with eppllceble'aw, such conlllcl 6hall not arrecl Olher provIsIons of Ihls Securlly Instrument or Iho Note which can be glvln ,"eet wllhoullhe connle:lno provision. To this tnd the provisIons or this Security Instrumenl and the Note are dld.red to be severable 18. Borrower'a Copy. Borrower shall be glve'l one conlormed copy 01 the Nole nnd ollllls Securily Insuumen!. 17. Trana'.r oflh. Property or I BlneflclllInter"lIn Borrower, II all or any part or the Property or any Intereslln II Is sold or Iransrerred (or II e bene/lclal hHorest In Borrower Is sold or lranslerred and Borrower II nol 8 nelurel per.on) without Lender's prior written con8l1ll,lfmder may, Rt il6 opUun, require Immediate payment In full of all sums secured by thl, SecurIty Instrument. However, Ihls option shall nol bo exorcl&ed by lendElr If elCElrcisels prohIbited by federalllw IS 0' the dale 01 this Securlly Inslrumenl. II Lender exercls" Ihls option, lender Shall give Borrower nollco 01 Ilccelerollon. Tho nollce 6holl provide a period of not '.11 than 30 days from the dats Ihe noUes Is dollvered or mailed within which Borrower muM pay olllurns secured by this Securlly Inslrument. If Borrower lallSlo PIlY Ih06e sums prior 10 Iho elCplmllon 0' Ihls period, lendor may Invoke ony remedl.. permitted by Ihls Security Inslrumenl wllhoul lurther nollce or or demanu on Borrower 1'. Borrower', Right 10 Relnallt., If Borrower mtolS certaIn conditions, Borrower 6holl hovo Iho rlghl to have enlorc.ment of thIs Sdcurlly Instrumenl discontinued at any Ume prIor 10 lhe earlIer or: (aJ 6 days (or such olher period as Ippllcabl.law may lpeclry for relnslalernanl) belore safe 01 Ihe Propeny pUfluont to any power 01 sale conlalned In Ihll Security InstrumlJnt; or (b) enlry 01 a Judgment en'orclng tt,is Security In"lrument. Those conditions are thet Borrower' (I) paY' Linde' IlIluml which then would be due undlr thll Security In,lrumenllnd Ihe Notl hid no Iccelerlllon occurred; (b) cure, Iny dtfMull ollny other covenanlS or aareem.nls; (c) pays all elCpenses Incurred In enforcing Ihls Security Instrum.nt, l",cOOlng, but nor limited 10, reasonable Inorneys' fees; and (d) takGtlluch Bcllon as lender may realonably require to Issure lnet Ihlll,n of this Securlly Inslrument. Lender's rIghts In Ihe Propurty and Borrower's obllQlUon fa Ply Ih.luml lecuted by Ihls Security Instrumenllhallconllnu. unehenged. Upon relnslalement by Borrower, Ihll SICU'~i Inlt,umlnllnd Ihl oIlIlglllonl lecurlld heroby lhell rerneln fully ""ecll". II If no Icc8l1'llIon hid occurrild, How.vlf, Ihlulghllo ,"lnll8l..""11 not IPply In thl CI.. 0Ilcc8l1'"lloo unde' pa'lgrophl '3 Of '7, :f'"':' 'I",' 'I' , \ \ \ 1 , NoN'UNIFORM COVENANTS, Borrower.nd L.nd.r lurth.r covonanl and .gre. ..tollow", ~ 11. MalllNllIonl "'.mIdi... LInd., lhall g1'v1 noUGlto II:rfow., pilot to Ica.III.Uon 'o\lowlng lfOflOWII', brlUh o'.ny Clo.,.,.n' ur Igtl.mlntln thl. IltGurlty 'n'''umlnt (but not prlot to eooller,lIon und" p"'Wlphl 13 and 17 uNi.. .pptloabl.llw ptovtd.. otllhwl..). Linder .hall nottfy 'om~w., 0', among oiNt thing.: (I) the d,lault: (bJ thl actlon'requlted to cur. thl dlfaulll (0) when thl default mUI' be IllUlld: end (d) thl' fallur, to CUI' thl default.. lpeclllld mlV 'Hull I" IOCell'11I0" 0' In. lumlllourld by thl, SeDUlity Inluumlnt, 'oltela.utl by ludlolll pu~ce.cUng' and ..I, 0' the 'rD'-fly. Land., ,hili tullhl' Inlorm Ek.rrowl1 01 1M rlghl to "'Mlatl ,rt" Icul,rltlon Ind thl ,Ighl to ....,. In thl 'arKlal"'l PfoCl"dlng the non.,.lltlna. 0" d,f,ult or .ny oth., daran'. 01 Bo"ow., to 10Clal"atlon and loraololu'" II thl daf.u1II, not oured .1 .peclflld, undlr .tlll option may requl'l Immedllt' paym,ntln lull 0' III lurnl 'ltCutld by thll Security In.llumln' wI,hout rurther dlmllnd and may forMlolI thl. aeoUllty Inlllumln' by ludlclll proc.edlng. L,nd.r .ha!! "lntlUtd 10 0011101111 l>>Cpln... Incurred In pur,u1ng thl remedle, provided In thll JWIg'lph tit Including, bUI not lIm1tld to, 1"0''''')''1' I... and COI" 0' tltll Ivldlnct to 'hi ''''Int p'"nlued by IppllclbllllW. 20, L.nd., 'n Po.....lon, Upon .ccalor.llon under pa,.gr.ph 10 or .bandonm.nt of Iho Proporty, Londor (In pIfIOIl, by .g.nt or by judicially .ppolnted rac."'.,) .hall be .nlllled 10 .nl., upon, Ilk. po.....,on oI.nd manag.th. Property.nd 10 coIllCllh. "nl. oIlh. Property Including Iho.. pall du., Any r.nl. coll.Cled by L.nder or Ih. r.c.'vII IhaJI be .pplled 1Ir1110 paym.nl of Ih. co." 01 manag.m.nl ollh. Prop.rty.nd colloctlon 0' renl., Including, bul nol limited to. rlC'8lver', fHl, premium, on recelv,r'. bond, and roalonablo ottornev,' fOil, IInd then to Iho Gum" secured by Ihl. Sacurlly In.llum.nl. 11, R".... Upon payment olallllUOllllcured by thl, Slcurlty I"alrum.nl. Lender ahull cancellhla Securlly InlllUm.nt without chatgeto Borrow,r. Borrow" shall pIIy any record.llon COlli. III. ...In'lItlmlnl Plrlod. Borrower'eUOlllo relnllat. provided In paragr.ph 18 lhalllxt.r)d to on. hour prior to Ihl comm.ncemlnt 01 bidding It I Iherl"',..le or othlt 1aI1 pUtlusnt to thl, Security tnllrument. 23, Purch... Mon.y Mortg.g.. ".ny of Ih. d.bl ..cured by Ihl. Sacurlly '..,rum.n,l,'.nl,o Borrow.r 10 .cqulre till. 10 \h. Property.lhl. Sacurlly Inllrum.nl.hall b.. purcha.. mon.y mOrtg.g., 14. In'I,.,t Rat' Aft" Judgment Borrower agre., that th.lnt,,"t rale payable Ift.r I Judgment Is entered on Ihe Notlor In In action of Mortgage 10rlClo,utl ,hall be the rIle pay.b1. Irom Umetf) UmB under th, Notl. 25. Aldl... to thle 6ecurtty Inatrumlnt. II ani or more ride" are IXQCuled by Borrower and recordltd loglther wllh thl, S~rtty Instrum.nt, the covenlntslnd Igreement' 0' elch such rider Ihall be Incorporated Into and lhall.mend and luppl.m.nt thl COVlnan11 end agreements of thl, Security I"altument all' the rlchlt(a) we,. I part 01 this Security Inllrum.nl. (Ch.ck .ppllcabl. bole(..)) o AlJju.l.blo R.lo Rldor 0 Condominium Rider 0 2.4 Fomlly RIUer o Graduated Payment Rider 0 Planned Unll Oevelopment Alder ~ Oth.,(.) (.poclty) tl;/..,J-d-" fI" BY SIGNING BELOW, Borrower accept. and agrees to 'ho terms and covenanls contained In Ihl, Securily Inltrument and 11\ any rlder(s) executed by Borrower and recorded wllh It. ~X~ (:' --&~ (( _(;xldJe~ BARRY K. I \51111 .lIOffc:tW1t 151111 .BO,rowlr ISII'I .Botrcwtl ,Jk~1 ~If 11,""llow 11'11. Lln. 'Of AcIkn_l.dgmlnlj COMMONWEALTH OF PENNSYLVANIA, On Ihl., th. ~ b-tf. d.y 01 , ~p.D..rr..j,..u.J Ihlt underllgntd officer. personally Ippe.red Counly 1& ,106'! ,boforeme, "JJ1 K. ""lUll! known 10 me (or s8tlsfaclorUy prOVln) 10 be the person who.. name sublcrlbed to Ihe wllhln Instrument Ind acknqwled~" that he IKlcuted the lime forth. purposeI herein contaIned .....' \",(f." .- /' ').....1...., .~.. " ~,., ,'~ ......>o.~ tvsi.,.~ ,~., ";':ti i,~i~ j' '.)i:;;' e..Lu", K lINt...; l)'~r,~,,~.!W IL /J ' ,,~'!t;., " '- M.~ r't<..J..<.<..-<./, j'ij~"h\" 111.01 Olfle", .. tN WITNESS WHEREOF, I h.ve h.rounlo..1 my h.nd ond olflelol..ol, My Comml..lon ..plre.: ,3 -I ~ q 3 NOrAII"ul.Al. IUINl, /OSIlIl,NOTAIIY~uellC H_OIN m. CUlleIIl1.N<O COOHTY M'fCCM.flS~ ~AIS MARClf 13. I", W-.___oIHo_ ACCOUNT ,: 205619 800K 953 'ACE 516 , .~ 'I,.'" " ! ' ~, ~ t 'jI.;tlf '1,'1 , ,If.,";.. ,j, , . I',' , " -f '. " I, ALL 'I'IlA'l' CIER\'AIN lot or trlc~ of Ilnd Iltuatl In thl Borough of Mechenlclburg, OOUnty of CUmberland and Stlt. of PlMaylvanla, II1Drl particularly bounded Ind dalCrlbtd .. fOUOIIII B2GINNING It I point on thl ...torn oido of York Stroot Circlo, which point II It tho Uno dividing Lot. 11oo. 20 and 21 on thl herllnafter ...ntiontd Plan of Lotol thoneo Ilong tho ...., SOUth 89 dOt,jr... J9 mnuto. lut, 120 to.t to I point on tho Uno of Lot No. 19, thonco along tho Uno dividing Lot No. 20 frOl1l Loto Hoe. 19 Ind 8 on Mid Plan, South 00 dOt,jroo. 21 mnutol IIolt, 65 toot to tho Una dividing LotI 11oo. 21 and 22' thoncl along tho ...., North 89 dOt,jro.. 39 minuto. ....t, 120 f..t to tho lutorn Uno of York Stroot Circler thonco along tho ....., North 00 dollr... 21 mnut.. Eolt, 65 f..t to tho point of ll!lllINNING. &lING Lot No. 21, 810ck J, on tho PIon of Wyn".w",,", Park, III rocorded In tho CURDtrllnd OOUnty ~ord.r'. Offlc., in Plan Book 23, PIg. 175. &lING I<NOItl AS 613 York Str..~ Circlo. &lING TH! SAIl! pIIiIlIS!S WHICH Rue..ll 8. Cook and Suzanna M. k, h.oband Ind wifo by their Doed doted Soptomoor 25, 1989 and intonded to be fo thwi~h duly recorded, granted and ",,"voyed unto Barty K. Stable in, 01n91. man. i t I .. '~f! t~:' , ). I , , / , ~ \ . I , . , " " , 1 /""", , " , , ,.. .. ~"-" ": -t:.,,,,.:riJ)...~ , ," ,';.ip~~:1\~ti~h"n.Ylv.nl. ~'C'C, ,; ".r~ J'~~~~- 9lJ('l,II',q.t.<;umborlarld' I "\,1 \',; ....j..> ',,' :.' ,j,,;!f.illlQ1J(d' . rl~h. Oltlco (ur lIil: tl.'r"'I.~r;,," r,,' I ">: ~.,,' .:\J':"j..>t.H1, ll;'lI'~~~r)rl,m~(;("t If)', i'.:..t',..,-::")/3 . '". \\ . ,'~' J., ~," ~., ~VIIl.~......;.. r','"'I" \""" . .\1 ,. ."....~,. nyh Md:J'J:1IC'i"'II~.,.: ~ ",",', 'Cnl~lf:,P' 'I" V';>A'y ,\;5d Y I '," -J':~,,: "'(I~':d.,J""" . t , ,~ .. .". I""'f"', . DCoi U53 fAGE 51 i I "'---'" .> II/U/i' 13:01 0110 11& '1&3 IiII.o03/011 ' DEF4VLT ij ; I ~,o ~':'A",... ~,~~Rt. .~lJ.')-FI~( <<~I: ..l. ...,,(1, . ,r 1I1....US ~.'.IMtfR,.,.. UUUNTI"'A. '91 OCT 29 Al'll1 2! 'I 1 ( ~ ,,' 'l :~I' ~ t Asr:IUN~mN,(, 01' HonTOMI:: ALL Mii:N RY TH~Sr:t pnli:E;r.NTI1. thl\t nro..r",,~w Hort',MOllO COInI'An~. orQan\aet1 and e:lt'i."l;.1.na under. t.he towt\ "t thea ~It'.t\le of Ohin. bar,aln., ...11.. "...11""', t.l'b.natel"" I\nrl &Cr\;1b over \mto t.n.: rlr.t Natlcn.l "nk located at _ 4990 v'....,r~~ljl. ^vonult --_______...__...____...1 S.n 01.'.0, _^. 911]1- -.--.- ita Suocoacmra end/or' ^".lanlJ I . r.~t'\:;ft \n Hr~;;.:ift-,,""'-c;;:;.I:.""~I~.;;16, ';;;cu tll.;t II-;;'j dellvered by: "rry K. lubl_A.n, unmarriod lorQugh of M.Qh.n~~.b~r9, 612 North York Street eirel;, M.ch.nlcebur~~170 TOI Iroo4vlow Mort,.,. Compony ($76,000.00) KNOW a Corporat.lon harabv .rane., ,'.j,' 1, tit, !,t.' " .~ ' . "1" , , t/.I ~ l .}: ',., I f;"" the 2Stn day of lI,pl';.mb~!...~ I L9 89 And ln Volume No. ,,5) ____PCt.flft toll;), ~ iSl)'" recorda ot CU"'~1'1.n4 Count.y. PA to.'ther witl) the Note nec\lr~d thar~l)y ~I,d vdfdrr~d to tller~1n: and All due and to beceme due therllon. "'Acnrdltrj or '~hlt and O\lm" IN WITNEOS WlIll:nIl:O~. ....1.1 [h'onelvlew HOl'tllalle C"'"l'ony hM' cn\l8lel to 'ele 81,ned to th... Pl"8.I'lt~ 1. t,ft :':;cmlo,' V J c. tf:~B~IJnt... S. L. at ColumbuA. Ohlo t t.hl" _ dAY ot _ b 19-!.!-. .\t,. ""me SchenClk, A. 0'1 :~ , j, I j , ;: 'A , .j Slaned and GcknowladQad In el,. Preaano 0[: tlrlOAllV JEW HOi'lT(lAOr~ COMPANY __ , "V~ fly: $, t.. !~chenclt, S.nlnr Vi~~ Pr,,~\d.nt STATr:t OF OtllO COUNTY OF ~RANKLIN ; I, .I_len n. CarmichA.l, LJ, NotAry Puhlic in and tor .1\1d ot:lunty 1n th. at.at. at'ore.eld. hereby c.rtl1'y that, S. r.,. Sehenok. p.~'"rm..llv ',nown eo mil to be t.he Sen10r Vice P.l'.et.dent. of nroadvilw Hort-eo,. CompAny, 1\ r.orl'olarfltlon or.an1zad .nel axat1n. \1nelar the lowe or I;he St;au or Oh10, MeI pereonelly kr"lcwn t.o ",. to be the lIa,ne c>erl'lon whoetJ nM,'" 1" eUbllcl'lhltd 1~O tha tor..oin, 1natrument. 8&p.ared b.torfl 11111 ",ht. d^y \1'\ ~,.tr.on anrl tlt.cI IIr.lmnwlerl,.. r.har. .. .uch Sen10r Vi-c. Pr"'.Lctant, h. 1I11JIHld and cJellv.l'lIej 1~h. .ale1 lnar,rument .. San10r Vice PveDldent af $ftl(l onl'portltlen, P\lr$\I~nt tn ftuthnr1ty .lven hy the Boord of O!.rl&otor. of .!",Sd cOl'Doret\en, "IS hilS t.'e~ "nd vnlunt.ftry ar:l~. and the frflle and voluntal'Y t\Cll'; ,..nri d".rt of "",\el ('lOl'I"'~,.^t:.\on. fer th., UMU' and 'P\lrpoae. therflin aot fort',h, IN W1TNr~SS THTmr.OI'. I off1clol a..l. thl.. 1v>1(-. hfloVlJ IhJI'lIll1n~'" :8.l~nt"Jd my IlAfTU" Ane! aff1:ced my d~y nf -.b1.~It.L_~Z-.-I<'~~~j) Hel61'\ H. Cltrmlchftftl NOTAny PIJOLIC ., '?~~""." u,,",", ,~,;'Ji ~) ""'~ 0 o~ '.""""",. &C~t 1/, .__,:_o:.~.!..!.._7zj-&CI7.qlc , THIS DOCUMENT PREPARED BYI Broaav~aw Mort,a,_ Compony 9611 HI.h Strut Worth1n.ton, Oh10 4300e Qomt. 1/: l~l07 .~ eoax 40(; ~AC[ (;5'7 , " RICI1VIO OATI 12/16/97 15:03 'ROM :210 525 7153 1I/1t/" 13,01 0110 on nu DIfAVLT ! \ ! " 1 & /. D' 0.1..0 ; RlCOIq IIq1l111ed bl 1 RII.,n 10: f.. MinlGltnl/ll COIPOI.HOIl f,O, 10. 1710, C'lI'jIbll, CA IOOOP-1710 '""~ A"V NOlIo" 10 Allton.., Aaatanft1ent of" Mort.... FOI Good and Vllulbll COIlIIdlllllon, Ih. lullldlllCI 01 w~ch II hOllbV IcknowlodOld, th. undo'IIO/Ild. FIRST HA TIONAL BAlK . N.II01lIi !Ink/no AllocllHOIl who" Idt.11 II ,"0 VI.wridO' A'......, Sen 01100, CA 9l12~ (AIIIQIlOlI bl ""I' pr....11 do.. COllVlV. o,onl. bItO.In. III lullon. 1""1,, Ind 101 0," Ihl dllcrlbld '"011010', 100.lhll wllIIllla celllin nolll.' d"g/b.d lhetlln with II ill""I. .llenl. Ind enl nghll due 0/ 10 b.coml du. thl/lan 10: IANCr\.US MORTGAGE CORP.. Tex.. COIpOIlllon f,O. 10. 4162, Sin Anlonlo. TX 7125& . (AllIonll' .Iid II\C/IOIIlt II IIcO/clod In Ih. SI.,. 01 PA, Countl 01 Cumb,neno, 01111;111 R,co,o, =/2&1BO II Book/,ollm.1IIl1I POS on D'OI 613 II MotloIOOl..: 81111 K, SllbloIn MofIOIO....: .'Old,l.w MO/IOIOI COll1ll'" r' " IN WITNESS WHEREOF, Ihl undl/llon.d CO/pOIlllan hll nUled INI nlllum..' 10 bl OlCulld .. I lOll,d "',lrumtlIl bV III plOplI .rn.II who WI' "" lulhO/lud bl I 'lIoIullon 0' "I bOlld 0' ~"CI.r~ Stili ., CallOlntl COII'lIV 01 Slnll Cia,. . On Stplltnbl/ I, 'P92, b.,olO m., Ih. undolllgn.d, , NOlarl PUbnc 10/ IIld Counll Ind, Slale. plllonall IDQII'ld S1ev", f,llerie,.PII,on,ly known to mo 10 b, Ihe p,"on Ihll ..,cul,d Ihi 10lOgolno ".llUmenl, and IC1<nowledllld Inll Ita II Vic. Prelldl/ll 01 fIRST HA TlOHAL BANK IIld till! hi ..lCIlted In. 100egolnO n.I'umenl QlJlluant 10 a ...OluIIO/\ 0' III bolld of dt.CIO/I Ind Ihll .uell lXlcullon 10'1 dono II Ihl I'" ICI Ind d"d 01 'IRST HA TtONAI. BANK, t:{f(!1f.7itr~~.;fdU./A)) My Commil.ion Exptrtl March 10. lf9' 'r.~.r.d by. I. S. Stan. P',111 Hanlt'mlnt Corp4:at1un P.O. 10. 17 O. C'~pb.ll. CA 'He', U202 Ut LN't '4119202 2nd LN'1 10"8190 Inv..tor '1 OH7t3lieH .,CO, 37.041 FA Cwa~'r1Ind 'INAL A.3S2,0 'NI,136 r0136 11 323 'HL 2S2 , I I Oltllt S6911ml111 1 ,en FIlS1 HA TlDHAL UNK 'VI ~.rf.l~"~ V1CI Pruid.nt 4 { " ! ~ ; lOOK 43:'>' PACE 341 RICI1VID DATI 12/16/97 15:03 fROM :210 525 7153 .tlff J' l~ (1""111" A. WCIllO CQIIIU I' III/I "' lIOTMY,,*"=<AlJ'OIlHlA ::.' _AOlMACCUNTY " "c-~_H",l"'" 1lI0~/0!1 tD N 'I ~ ~ ,~ '.... .... n " l.:~'" [I) n ,", "'glo' P :1.1'.; )..1t':'I :. ~'"" . C' ,. . ' ~. C"I I' ,~ .., i', c: r,J . . at ,..., ,- -4 r" .., -( O.J , ",- ... ... . HOMES IDE LENDING, INC. SUCCESSOR BY MERGER TO BANCPLUS MORTGAGE CORP. Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 96-2967 CIVIL TERM VS. BARRY K. STABLEIN Defendant CIVIL ACTION - LAW - IN MORTGAGE FORECLOSURE NOTICB OF SHBRIFF'S SALE OF REAL ESTATI PURSUANT TO PENNSYLVANIA ROLl OF CIVIL PROCBDURE 31~9 TUB NOTICEI That the Sheriff's Sale of Real Property (real estate) will be held: DATE: WEDNESDAY, SEPTEMBER 1, 1999 TIME: 10:00 O'clock A.M. LOCATION: Commissioner'S Hearing Room 2nd Floor Cumberland County Courthouse Carlisle, Pennsylvania 17013 THB PROPBRTY TO BE SOLD is delineated in detail in a legal description mainly consisting of a statement of the measured boundaries of the property, together with a brief mention of the buildings and any other major improvements erected on the land. (SEE DESCRIPTION ATTACHED) THE LOCATION of your property to be sold is: 61~ YORK CIRCLB, MECHANICSBURG, PA 17055 THE JUDGMENT under or pursuant to which your property is being sold is docketed in the within Commonwealth and County to: 96.~967 CIVIL TERM 'It is: 'fHB NANB (S) or THE OWNBR (S) OR REPUTED OWNBRS of this property , I I BARRY K. STADLEIN A SCHIDULI 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 disbursed by the Shftriff (for example, to bank. that hold mortgage. and muniaipalitie. that are owed tax..) will be filed by the Sheriff of this County thirty (30) days after the sale and distribut ion of the proceeds of sale in accordance with this sch~dule will, in fact, be made unless someone objects by filing exceptions to it within ten (10) days of th~ date it is filed. Information about the Schedule of Distribution may be obtained from the Sheriff of the Court of Co~mon pleas of the within County at the Courthouse address specified herein. THIS PAPIR IS A NOTICE or THI TIME AND PLACE or THE SALE or YOUR PROPERTY. IT HAS BIEN ISSUED BECAUSE THERE IS A JUDGMENT AGAINST YOU. IT MAY CAUSE YOUR PROPERTY TO BE HELD. TO BE SOLD OR TAKEN TO PAY THE JUDGMINT. 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 TAKR THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR TILEPHONE THE OprICE SIT rORTH BELOW TO rIND OUT WHERE YOU CAN GmT PREE LEGAL ADVICEI Cumberland County Bar Association 2 Liberty Avenue Carlisle, Pennsylvania 17013 Phone (717) 249-3166 '" THE LEGAL RIGHTS YOU MAY HAVE ARB I 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 com9any 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 obligat ion or the procedure used against you. i ,/ I i ,I I LEGAL DESCRIPTION .\LL THA1 CUTAIN loe or '..c I 1 ~.r., C."o,y 01 C...borlood 00: ~. '::d .1'"It. 10 'ho loro..h of Huh.ftlce_ t y bo.od.,~ ood '....lb." .. to 110:. ~ ""I,h or hftft.ylv.ft!e, "0" ,art leul.,_ DIOIH~tNe 'C . ,.lnt Oft tho "'1 Id II .t tho Iln. 'IVl"lnl Loc. No. .r;o' ::: York Scr,., Clr.'., ~hlch "10' 't." e/ :...., .h.nco ,t.n. tho ;,.. .; h;~ 'h. her.lnolur ...nlton" 110 hot co. ,.10, 0" tho 'In, ' ., ou, d...... 39 ,"Inut.. h.l, 10' Lee "" 20 I.... Lit. 1101 19.r ;0: 110. 191 th.nco .Ion. 'h. IIn. "Ivld- "." '.e--. 6' fe.. to .h. II~. dl'~dl o~ ..Id PliO, '.ulh 00 d...... U lOin_ the U", '~orth 19 do r... 39 v o. 011 II... 21 ,nd 221 Ih.nco .'on. York Icr"" Clrchl :h,nco ","lnutOl 1/..., LIO feu to the ....nn IIn. 0' 6l rCOt '0 Ih. ,.Inl 01 IEGtllll~~3, eh, ....., H.rth 00 d..r... 2' ..lnu... "'1, DIlIIC 1.0: II.. 21, .lock "J" on Ih " Cu..berl,"~ Coun,y a,c.r".r'; 0111 · l.n,',' l/yO".woo" ',rk, .1 r.c.rd'd In lh, ro, n 'n look U, .,.. "" HAYING 'h....o .r....d . ""'1I10! ho... nU,"bor.d 612 Y.rk '.r"1 Clrc',. VIIOlR >NO 'VIJECr to . 2' ",t vide bUlldl Clrcl., ft. ..e-b.ck Iln, Iro.. Y.rk 'tr." ~~~:~.:~~ IV.JECr to 0 10 fe.. vld. ..wn .......n. .f' ,ho "lCern ,.relon of ,he V~DIR >N~ IV.JIer, NIVE.THEI.IS!, co .......nt., dl e len, ,'n" rl.h.. 0' ".y .f ..cord, fllCrl"lon., r..nVItIOnl, con- HAVING THEREON ERECTED A DWELLING KNOWN AS 612 York Circle, Mechanicsburg, Pennsylvania BEING THE SAME PREMISES whicn Russell E. Cook and Suzanne M. Cook, by their Deed dated September 26, 1989 and recorded in Cumberland County Deed Book E34, Page 579, granted and conveyed unto Barry K. Stablein. TO BE SOLD AS THE PROPERTY OF BARR~ K. STABLEIN UNDER JUDGMENT NO. 1996-2967 CIVIL TERM PARCEL NO. 18-22-0519-184 ,. ..J,l,M~,,~ Homeside v. g~tb18in Cumberland County sale 9/1/99 u. S. POSTAL SIRVIC. CERTI'ICATI 0' MAILING (In comDliance with Po.tal Service 'orm 3877) Received from: Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 One piece of ordinary mail addressed tOI Firedex of Harrisburg 553-559 Division Street Harrisburg, PA 17110 Postage: Postmark I " u. S. POSTAL SERVICE CERTIPICATE OP MAILING (In comclianca with po.tal Service 'orm 3877) Received from: Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 Postage: One piece of ordinary mail address Timothy McMahon, Esquire PO box 803 Harrisburg, PA To~;: . Postmark I 17108 -0803 ;' ( \0., f)"\ . !j' ,'\ '\.\'.' c" . ."':', " " '" . . .-\t. . '" ,l'~ " " I : " , I' , I: I' I. ,I , [) \: I , I: ,I I" . " 6. Name and address of every other person who has any record ' intere.t in the property and whose interest may be affected by the salel UNKNOWN 7. Name and address of every other person of whom the Plaintiff has knowledge who has anr inten.t in the property which may be affected by the sale: TENANTS IF ANY '" DOMESTIC RELATIONS OFFICE 13 North Hanover Street Carlisle, PA 17013 Timothy McMahon, Esquire PO Box 803 Harrisburg, PA 17108-0803 (In the preceding information, where addresses could not be reasonably ascertained, the same is indicated.) I verify that the statements made in this Affidavit are true and correct to the best of my personal knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 PA C.S. Section 4904 relating to unsworn falsification to authorities. Leon P. Haller PA I.D. 1115700 Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 DATE: August 25, 1999' . - ", , , fr. o. ?;; " '" f.-.; & ~;S .r lJ! .. I.: ; ,. ). ~r..: ( . l '.~ . '., I' ~ . ' ".. ...;:-"': I.JI ( !"~ , " .!ll <":. 1'/ ) " '.'~ f !' (". tj '';; ~+' !,.. "~ ...., " ,I ..t , ~,~ II, \" ::J " 0 ('/1 U , ',' " '. . . . j BARNETT MORTGAGE CO., Plaintill' : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYL VANIA v. : CIVIL ACTION.. LAW BARRYK. STABLElN, Defendant : No, 96-2967 CIVIL TERM IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT BEFORE HESS and OLER, JJ. ORDER OF COURT AND NOW, this 30th day of March. 1999, upon consideration of Plaintitrs motion for summary judgment, and fllr the reasons stated in lhe accompanying opinion, Plaintiff's motion for summary judgmenI is grunted. BY THE COURT, Jill M. Wineka, Esq. Leon P. Haller, Esq. Purcell, Krug & Haller I" 19 North Front Street Harrisburg, P A 17 \02-2392 Attorneys for Plaintill' Michael L. Bangs, Esq. 302 South 18th Street Camp Hill, PA 17011 Attorney for Defendant ,: , 3/:3//'19. _ c.,~"" "" J"a... it\. ".s,~. FlI.F'J..()J:r-rCE or- '(J'" ". :r')TNlY 99 W(? 10 r;; :it :17 el'l: .I ;'1')' I, j I,'...J\'~Y :'1'1\,' ,. '.. , ' 'i " " , 'I df " I. " , , jf ! ~ I" "I .' I' I' I, ~, ~. . f!. BARNETr MORTGAGE CO.. Plaintill' : IN THE COURT OF COMMON IILEAS OF : ClJMBI:RLANDCOllNTY. PENNSYLVANIA v. : CIVIL ACTION.. LAW BARRY K. STABLElN. Delendant : No. 96-2967 CIVIL TERM IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT BEFORE HESS IInd OLER, .JJ. OPINION IInd ORDER OF COURT OLER, J., March 30,1999. In this mortgage loreclosurc action, PlaintilT mortgagce has filed a motion lor summary judgment against Dclendanl mortgagor. Defendant opposes the motion on thc grounds that (I) "hc does nol posscss information regarding the spccilic amounts or othcr charges as alleged by Plaintill:'" (2) "Plaintill'did not document noticc of the . Act91' Notice with a certificate of mailing nor has Plaintiffsuggcstcd a ccrtilicatc of mailing was tiled,") and (3) "Defendant has attempted to effect repayment or reinstatement of the subject mortgage:') This matter was submitted 10 the court on briefs atthc argument court held March 3, 1999. For the reasons stated in this opinion, Plaintill's motion lor summary judgment will be granted. ST A T[MENT OF FAC.l.S The record in the present case consists of a complaint, an answcr with new maller, a reply to new matter, Plaintill's motion lor summary judgmcnt. and an affidavit of an officcr I Defendant's Briefin Rcsponsc to Plaintifl's Motion lor Summary Judgment, at 3. 2 ld" at4. ) ld.. at 4. .' , of the lending institution, In addition, an answer to the motion lbr sunllllary judgment and an atlidavit were submitted by Delendant to the Cumberland County Court Adminislrator.4 1)laintilrs complaint, tiled May 28, 1996, allcgcd that Plaintill' Barnett Mortgagc Company was the assignee of II $76,000.00 mortgage on property at 612 York Circle, Meehanicsburg Borough. Cumberlund County. I'ennsylvunia. ~ Dclendant, Barry K. Stablein. was identilied as the mortgagor ,)1' the property. residing at 224 Brian Road. Enola. Cumberland County. Pennsylvania,. The complaint averred that the mortgage was in delimit due to the IIbsence of any payments on the underlying debt and associated charges since November I, 1995.1 A copy of the notice allegedly mailed to Delendant pursuant to the Homeowners' Emergency Mortgage Assistance Act" on January II. 1996. was attached 10 lhe complaint." This "Act 91" notice advised of lhe proccdure Ibr the mortgagor's meeting, within 30 days. with a representative of the lender or a consumer credit counseling agency li.lr the purpose of initiating a resolution of the lbreclosurc issue. inler alia."1 As of May 16. 1996, according to the complainl. the amount due under the mortgage 4 These were submitted to lhe Court Administrator with Defendant's Brief in Response to Plaintiff's Motion for Summary Judgment. S Plaintiff's complaint, paragraphs I, 4. · Plaintiffs complainl, paragraphs 3, 5-6. 1 Plainlilrs complaint, paragraph 7. M See Act of December 3. 1959. P.L. 1688. ~ 403-C. as added. 35 P.S. ~ 1680.403c (Main Vol. and 1998 Supp.), "Plaintill"s complaint. paragraph II. Exhibit B. 10 Jc/, 2 ;;.. was $79,904.12." Interest was said to be accruing at the rate 01'$19.65 pl;r day.ll Defendant's answer admitted the exislcllce of the mortgage and Dclendant's place of residence,l] denied on the basis of an absence of sutlicient int(Jrmation or knowledge the amount of the debt claimed by Plaintitl:14 und denied that he hud "received the required statutory notilication pursuullt to the governing and' npplicuble stututory rul&;s und requirements."15 In new llIutter. Detendunt alleged the t(Jllowing: 13. ()Iaintiff titiled to properly service Detendant notice in uccordance with the Mortgage Foreclosure Rules pursuant to the Pennsylvuniu Rules of Civil Procedure; The Homeowner's Emergency Assistant Act and the Mortgage Foreclosure Statutory Requirement and, lherefore, Plaintiff"s Complaint in Mortgage is not valid. 14. Plaintitl"s claim for mortgage toreclosure is invalid because Plaintitl'violated the Pennsylvania Untitir Trade Practice and Consumer Protection Law, 15. Plaintitl"s claim may be barred in whole or in part by the Homeowner's Emergency Assistance Act. the Mortgage Foreclosure ACI. and Mortgage Forcclosurc Rules. 16. Defendant has satisfied part of the mortgage indebtedness as pled by Plaintitl'and therefore does not owe the amount as alleged by Plaintiff.l" Plaintiff's reply to the new matter reiterated its averment that proper statutory notice II Plaintiff's complainl. parag~aph 8. Il Plaintiff's complaint. paragraph 9. I] Defendant's answer wilh new maUer, paragraphs 1,5. 14 Defendant's answer with new maUer. paragraphs 7-9. 15 Defendant's answer with new maUer. paragraph II. I" Defendant's answer with new maUer, paragraphs 13-16. 3 had been provided os indicated in the complaint. 17 While conceding Ihat Delendant had made some pllymcnts undcr the mortgllgc, Plaintill' also reiterated its averment that no payments had been made since November I, 1995. Plaintill's motion lor summary judgmenl was filed on February I, 1999. It rcasserted the lactual basis lor the claim in mortgage Ihrec1osure, pointed to the various admissions and general denials in Dcfcndant's nnswer, and noted the contcmporancous ming of an allidavit in support ofthe motion for summary judgmcnt,IM The affidavit rclerred to in Plaintill's motion lor summary judgment was excI:uted by Tracy Crawlord.19 It statcd that she was 0 vice president of the present mortgage holder,21l reallinned on the basis of personal knowledge the existence of the mortgage, the absence of payments since November I, 1995, and the mailing of the Act 91 Nolice to DefendWll at his last known address on January II, 1996,21 and itemizcd lhe amounts due os of December 31, 1998, as follows: 6. [Tlhe outstanding balance, cxclusive ofattomcy's fees and costs, as of Deccmber 31. 1998 is as lollows: Prescnt Principal Balancc Interest from a 10/1/95 to 12/31/98 Escrow advancc Late charges due Inspection fees BPO/Appraisa1 fee Total 10 pay loan in full $ 72,626.55 23,308.74 5,958.41 1,320.00 244.30 85.00 $ 103,543.00 17 Plainti ff s reply to ncw matter, paragraphs 13, 15. ,1M Plaintiffs motion lhr summary judgment. paragraphs 1-23. 19 Allidavit ofTracy Crawl(ml. filcd February 1, 1999. 20 Id., paragraph I 21 Id., paragraphs 3-5, 12. 4 7. [lJnterest uccrues Irom the 1st day of January, 1999, at the rate 01'$19.64 per diem. , 8. [TJhe monthly payment is $826.00, 9. [I. ]egallees incurred to date arc $1,800.00. 10. [I. legal costs incurred to date arc $756.51.ll Defendant's answer to the motion Illr summary judgment Slated, inter alia, that "Defendant would not have knowledge as to specific amounts by which the mortgage was or WIIS not reduced or knowledge of.., 'other expcnses, costs and charges collectible under the note and mortgage' and therelore would be withoul sutlicient intormation to respond:'2,l With respect to the Act 91 notice, Defendant's answer to the motion statcd that "Delendant admits that PlaintilThas submiued an atlidavit concurrent with the tiling of the Motion for Summary Judgment [alleging the mailing of such a notice]: howcver, thc pcrtinent provision of the Homeowner Emergency Assistance Act statcs that noticc is documented by a certificate of mailing obtained trom the Unilcd Slates Poslal Scrvice which has complction of which (sic) has not becn filcd or even suggested by Plaintitl'."24 Defendant's answer concluded lhat "the case is not ripe tor summary judgmenl."2~ The atlidavit submitted by Defendant to the office of the Court Administrator read in its entirety as follows: I. I am Barry K. Stablein, mortgagor of the property located at 612 York Circle, Mechanicsburg, Pennsylvania. 17025. 2. On or about September 25, 1989, I secured a mortgage on the property with Broadview Mortgage Company 22 Id,. paragraphs 6-10. 2J Defendant's answer 10 motion lor summary judgment, paragraph 12., 24 Id.. paragraph 18. 2~ Id,. paragraph 23. 5 in thc amount of $76.000.00: the mortgage was subscqucntly assigned to Homcside Lending. Inc., Bamctt Mortgagc Co.. c/o BancPlns Mortgage Corp. 3. Since September, 19119, my mortgage payments have becn approximately $9,900.00 per ycar; however I do not know what amounts have bcen applicd to principal and what amounts have becn applied to interest. or what other chargcs the bank is seeking, In Novembcr. 1995. I began to expcricnce dill1culty in making thc mortgage payments of $1126.00 per month, 4. On or about February 8, 1996, I mct with Consumcr Credit Counseling Service of Greater Harrisburg in an attempt to eSlablish a repayment schedule with the mortgagee. 5. I n March, 1996, I proposcd a repaymcnt schcdule to BancPlus Mortgagc Company and their law lirm: I advised BancPlus and lhcir counsel thaI I was totally disablcd and unable 10 work. 6. From May through August, 1996, I attcmpted to establish a rcpayment schedule with Homesidc Lcnding Co. At various times I requested specilic payoff amounts of which I was unaware and as well, I challenged the right of the mortgagee to collecl counsel tces. 7. Unbeknownst to me, a Complaint in Mortgage Foreclosure was tiled in this Court on May 28, 1996, and was apparcntly reinslated on August 12, 1996, and again on April 24, 1997. 8. On January 26, 1999, I sent a certitied letter to First American Loss Mitigation Services in an attempt to resolve my delinquency pursuant to protection otlered by the mortgage owner: Federal Home Loan Mortgagc Corporation (Frcddie Mac). A true and correct copy of my rcquest is attached hereto and incorporated herein by reference: notice of my rcqucst was 6 . provided to counsellor PlaintilT.lo As noted previously. the issue of Plaintlll"s motion lilr summary judgment was submitted to the court on briels. Delendant's brief maintains that the case is not ripe lor summary judgment lor three reasons: ... Plaintill' alleges specific amounts paid or not paid as a basis for its allegation of delimit. Delendant docs not know the specific amount in delimit as alleged by PlaintilL.. Defendant would have no way of knowing lhose specific amounts or the other charges.... Dclendant has provided an affidavit allesting that he docs not possess information regarding the specific amounts or other charges us alleged by Plaintift:27 ... Plaintill'did not document notice of the "Act 91" Notice with a certilicate of mailing nor has Plaintilf suggested a certi1icate of mailing was liIed.2" Finally. Delendant has allempted 10 ellect repayment or reinstatement of the subj.;:ct mortgage: first by meeting with Consumer Credit in February. 1996: second from May through August. 1996: and most recently with First American Mitigation Loss Services as of January 28,1999.2" DISCUSSION Under Pennsylvania Rule of Civil Procedure 1035.2, a party may move for summary judgment as a malter of law "( I )whenever there is no genuine issue of any material fact as to a necessary clement of the cause of action or defense which could be established by additional discovery or expert report. or (2) if, aller the completion of discovery relevant to the motion. including the production of expert reports, an adverse party who will bear the 20 Affidavit of Barry K. Stablein, liIed with Court Administrator on February 26, 1999. 21 Defendant's Briefin Response to Plaintiffs Motion for Summary Judgment, at 3. 2" Jd.. at4. 2" Jd, 7 burden of proof at trial has failed to produce evidence oflacts essential to the cause of action or defense which in a jury trial would require the issues to b~~ submitted to a jury." The purty adverse to the motion "may not rest upon lite mere allegations or denials of the pleadings ...,"JI) The party opposing the motion must tile a response within thirty days oller service of the motion identifying (I) one or more issues oflact arising from evidence in the record controverting the evidence cited in support ofthe motion or from a challenge to the credibilily of one or more wilnesses testifying in support oflhe motion, or (2) evidence in lhe record eSlablishing the faClS essential to the cause of action or defense which the motion cites as not having been produced.J' With respect to mortgage foreclosure actions. a defendant's averment that he or she is without sufficient infonnation to fonn a belief as to lhe correctness of the debt claimed due on the mortgage will usually not suffice to avoid the grant of a mortgagee's motion for summary judgment. New York Guardian Mor/gage Corp. v, Die/zel. 326 Pa. Super. 426, 524 A.2d 951 (1987). "Unquestionably, apart trom [the mortgagee, the mortgagoris the only party] who would bave sufficient knowledge on which to base a specitic denial." Id. at 429, 524 A.2d at 952. In addition, although proof of the mailing of an Act 91 notice may be supplied by a certificate obtained from the United Slates Postal Service,llthe court is not aware of any rule requiring the filing of such a certificate or precluding proof of mailing by atlidavit, for 30 Pa. R.C.P. 1035.3(a). HId, J2 Act of December 3, 1959, PL 1688, ~ 403-C. as added, 35 P,S. * 1680.403c(e) (Main Vol. And 1998 Supp.). 8 . . ... HOMES IDE LENDING, INC. SUCCESSOR BY MERGER TO BANCPLUS MORTGAGE CORP. Plainti ff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 96-2967 CIVIL TERM vs. BARRY K. STABLEIN Defendant CIVIL ACTION - LAW - IN MORTGAGE FORECLOSURE HOTICI OF SHIRIFF'S SALI OF RIAL ISTATZ PURSUANT TO PINNSYLVANIA RULI OF CIVIL PROCZDURI 3129 TAKI NOTICI c That the Sheriff's Sale of Real Property (real estate) will be held: DATE: WEDNESDAY, SEPTEMBER 1, 1999 TIME: 10:00 O'clock A.M. LOCATION: Commissioner's Hearing Room 2nd Floor Cumberland County Courthouse Carlisle, Pennsylvania 17013 'I THI PROPIRTY TO BI SOLD is delineated in detail in a legal description mainly consist.ing of a statement of the measured boundaries of the property, together with a brief mention of the buildings and any other major improvements erected on the land. (SEE DESCRIPTION ATTACHED) THE LOCATION of your property to be sold is: 612 YORK CIRCLI, MICHANICSBURG, PA 17055 THI JtlDGMBNT under or pursuant to which your property is being sold is docketed in the within Commonwealth and County to: 96.2967 CIVIL TIRN . ... is: THB NAMB(S) or THB OWNBR(S) OR REPUTED OWNERS of this property BARRY K. STAlLEIN A SCHEDULE or DISTRIBUTION, being a list of the persons and/or governmental or corporate entities or agencies being entitled to receive part of t.he proceeds of the sale received and to be disbursed by the, Sheriff (for example, to bank. that hold mortgage. and mun1a1pa11t1.. tbat are owed taxe.) 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 or THE TIME AND PLACE or THE SALE or YOUR PROPERTY. IT HAS BEEN ISSUBD BECAUSB THERE IS A JUDOMBNT AGAINST YOU. IT MAY CAUSB YOUR PROPBRTY TO BE HELD. TO BE SOLD OR TAKEN TO PAY THE JUDGMJINT. 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 Y:lUr rights, YOU MUST ACT PROMPTLY. YOU SHOULD TAKI THIS PAPIR TO YOUR LAWYER AT ONCE. GO TO OR TBLEPHONl THE OPPICE SET rORTH BELOW TO rIND OUT WHERE YOU CAN GET PRBB LIGAL ADVICEI Cumberland County Bar Association 2 Liberty Avenue Carlisle, Pennsylvania 17013 phone (717) 249-3166 THB LBGAL RIGHTS YOU MAY HAW ARE I 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 uBed against you. , , " " , , , , " >- CI ~ cr: C";' ..~ ". \-.. .. ~:1.\r 1I !'~"'I ~~ 'I ~,.) ;,' 1...)1;: H. (,~- .,/ ;:: (~l ~ .~! ~.:! (lj;'~ tI" "'r" - I'p" " ... ,t' r;) Ei.-'! C"'.::; dIE . J. ex! trJ ,. I :>. ,~ '" B G"\ " " , , ,I I' , HOMESIDE LENDING, INC. SUCCESSOR BY MERGER TO BANCPLUS MORTGAGE CORP. Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 96-2967 CIVIL TERM vs. BARRY K. STABLEIN Defendant CIVIL ACTION - LAW - IN MORTGAGE FORECLOSURE PRAICIPI TO THB PROTHONOTARY or THI WITHIN COUNTY I Please enter JUDGMBNT "in rem" in favor of the Plaintiff and against Defendants Barry K. Stabl.in for failure to plead to the above action within twenty (20) days from date of service of the Complaint, and assess Plaintiff's damages as follows: Issue Judgment per Court Order dated March 30, 1999 in the amount of $103,543.00 PURCELL, KRUG & HALLER By ~.--r --r::-~ p~;ller PA I.D. 1115700 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 " g.;, ~ c,- :t ~ , " <t. v ::- 1:;:1 {i ~ ~0 ('"; (': I..: ,. .-~ 'B ,'" -. UI ~ . <'? ' 'of' (.)~ . - ,)..,; 8 [.1- "., . -, I"" 'z c.;);, fl., ' .,' , ,~j f' Ii, ..';i5 CJ -0 ill' -, J'" ,"" .1 t'" -'. 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E-oO U Z '" "'ow ::l0"'....t:l OZ"'E-<< U<NUt:l ... 100:E-< W"'-C '" :t:CIl"''''O E-oo:l ....:1: z~ci~z W l>:: ::l en o 3... ,'" w.oO ... :I: L< worn Olll::l ....IIl... mCIJc.. WUU :l:UZ O::l< . 101. Htlt- ~O"ld;1. "'1" .....1". (lIrttWO. OOAo~'Mlt1l1"I-l'tW ... C III 'C . C Z III ........ W CIJ ...0 o:l < E-< m '" o ~ z o ....E-< E-<Z ow :1:;:;: t:l UlO - ::l r" ,.., ~ H>< 1:04 0:; z< 3~ ~ > :.: >< '" '" 00: ~ ~ : ~ " ~ ~ '~~~ < o o. II :f IJ :: '1- ~ ~ )5 ~ ~ 'I , . , HOMESIDE LENDING, INC., SUCCESSOR BY MERGER TO BANCPLUS MORTGAGE CORP., Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND CO., PENNSYLVANIA NO. 96-2967 Civil v. BARRY K. STABLEIN, CIVIL ACTION - LAW Defendant IN MORTGAGE FORECLOSURE PLAINTIPP'S MOTION POR SUMMARY JUDGMENT AND NOW, comes the Plaintiff, Homeside Lending, Inc., successor by merger to BancPlus Mortgage Corp., by its attorneys, Purcell, Krug & Haller, and files the within Motior, for Summary Judgment, and avers in support thereof the following: 1. This action in mortgage foreclosure was originally commenced in the Court of Common Pleas of Cumberland County by Complaint filed to No. 96-2967 Civil on May 28, 1996. 2. Defendant, Barry K. Stablein, (hereinafter "Defendant"), filed an Answer with New Matter to Plaintiff's Complaint on or about June 30, 1997. 3. The Plaintiff filed a Reply to New Matter. 4. In his Answer, Defendant admitted or partially admitted the averments in Paragraphs la, 1b, 1c, 4, 5 and 6 of the Plain- tiff's Complaint. 5. Defendant denied or partially denied the averments in Paragraphs 1c, Id, 2, 3, 7, 8, 9, 10 and 11 of Plaintiff's Complaint which averred as follows: 1. (c) Place and Date of Record of Mortgage: Recorder of Deeds CUMBERLAND County Mortgage Book 953, Page 513 Date: September 26, 1989 Escrow Balance (Credit to Defendant) (499.63) 3.000.00 Attorney's Fees TOTAL 79.904.12 9. Interest accrues at a ~er diem rate of $19.65 for each day after MAY 16, 1996 that the debt remains unpaid, and Plaintiff may incur additional attorney's fees, as well as other expenses, costs and charges collectible under the Note and Mortgage. 10. The original principal balance of the Mortgage exceeds Fifty Thousand Dollars ($50,000.00). Accordingly, Notice of Intent ion to Foreclose pursuant to 41 P.S. ~ 403 is not required. 11. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S. ~ 1680.402c, ~ ~., was sent to each individual Mortgagor by first- class mail. Copies of the Notice are attached hereto as Exhibit "8". 6. The Defendant's Answer to Paragraphs 1c, 1d, 2, 3, 7, 8, 9, 10 and 11 reads as follows: l(c). Admitted in part. It is admitted that the date and place of mortgage is Cumberland County as alleged; the remaining averment is a conclusion of iaw to which no response of pleading is required. l(d). Denied. Defendant is without sufficient informa- tion or knowledge to admit or deny the assignments of the subject mortgage as pled by Plaintiff and same is therefore denied and strict proof thereof is demanded at the time of trial. 2. Denied. Plaintiff's allegation is a conclusion of law to which no response of pleading is' required. 3. Denied. Plaintiff's allegation is a conclusion of law to which no response of pleading is required. 7. Denied. Plaintiff's allegation is a conclusion of law for which no response of pleading ia required; to the ey.tent a response is deemed necessary, Plaintiff is without sufficient information or knowledge to know the precise amount of Plaintiff's claim for interest and "other charges" and strict proof thereof is demanded at the time of trial. 3 8. Denied. Plaintiff is without sufficient information or knowledge to know the actual amounts of the itemized charges alleged by Plaintiff and strict proof thereof is demanded at the time of trial. 9. Denied. Plaintiff is without sufficient information or knowledge to know the exact amount of per diem interest or authority to impose same and strict proof thereof is demanded at the time of trial. 10. Denied. Plaintiff's allegation is a conclusion of law for which no response is required; to the extent a response is deemed necessary, Defendant spec if icall y denies that he received the correct statutory notice in accordance with the applicable and governing rules and requirements. 11. Denied. Plaintiff's allegation is a conclusion of law for which no response of pleading is required; to the extent a response is deemed necessary, it is specifically denied that Defendant received the required statutory notification pursuant to the governing and appl icable statutory rules and requirements. 7. In r.esponse to the Defendant's denials in Paragraphs 1c, 1d and 2, the Plaintiff verifies in its Summary Judgment Affidavit filed contemporaneously with this Motion, its identity as the current holder of the Mortgage and its business address. 8. 1n Paragraph 3 of his Answer, the Defendant denies as a conclusion of law that he is a signator and mortgagor on the Note and Mortgage. 9. These facts are confirmed in the Plaintiff's Summary Judgment Affidavit. 10. Rule 1029 of. the Pe~nsylvania Rules of Civil Procedure governs the proper procedure for a party to respond to a pleading. Rule 1029 reads in pertinent part: 4 b) Averments in a pleading to which a responsive pleading is required are admitted when not denied specifically or by necessary implication. A gener- al denial or a demand for proof, except as provided by subdivision (c) and (e) of this rule, shall have the effect of an admission. c) A statement by a party that after reasonable inves- tigation the party is without knowledge or informa- tion sufficient to form a belief as to the truth of an averment shall have the effect of a denial. 11. In Paragraphs 7, 8 and 9, the Plaintiff avers the fact of the Defendant's default since November 1, 1995 and the, amounts outstanding on the Mortgage Note, 12. In his Answer, the Defendant denies his default and outstanding amounts owed, claiming to be without sufficient information to respond to the averment. 13. Contrary to Rule 1029(c), the Defendant failed to make any averment of "reasonable investigation" before generaily denying the factual averments. 14. In response, Plaintiff verifies that the Defendant is in default under the terms of the Mortgage Note and verifies that the Defendant has failed to timely pay his mortgage payment from November 1, 1995 to the present. 15. In response to Paragraph 10 and in his New Matter, the Defendant denies Plaintiff's compliance with Act 6 of 1974. 16. The Plaintiff was not required to send an Act 6 Notice to the Defendant since his original mortgage obligation was in excess of $50,000.00. 17, In Paragraph 11 and in his New Matter, the Defendant also denies Plaintiff's compliance with Act 91 of 1983. 5 18. In its Affidavit, plaintiff verifies that by letter dated January 11, 1996, the Plaintiff sent an Act 91 Notice to the Defendant at his last known addr.ess. 19. The only other issue raised in the Defendant's New Matter was that the Plaintiff violated the Unfair Trade Practice and Consumer Protection Law. 20. No specific allegations have been made and the Defendant has done nothing to develop his bald allegations since his New Matter was filed in June of 1997. 21. Upon Affidavit filed concurrently with this Motion, the status of the mortgage payments made to and received by Plaintiff is verH ied and reveals that Defendant is in default under the terms of ,the Mortgage and that no cure has been effected. 22. The Affidavit further indicates that Plaintiff is the owne;r and holder of the Mortgage Note dated September 25, 1989 executed by the Defendant in the amount of $76,000.00 for real estate situated at 612 York Circle, Mechanicsburg, Pennsylvania, of which the Defendant is the record owner. 23. By reason of the Defendant's foregoing admissions and the documentation of default without an allegation that the default has been cured or d09umentation thereof, there is no longer a triable issue of fact or law. 24. There being no defense to Plaintiff's Complaint, judgment should be entered in favor of plaintiff and again'ilt Defendant, Barry K. Stablein. 6 CIRTIPICATI OP SIRVICI I, Barbara A. Shadel, an employee of the law firm of Purcell, Krug & Haller, do hereby certify that I served a true and correct copy of Plaintiff'a Motion for Summary Judgment upon the following by depositing same in the United States Mail, First Class POBtage, Postage Prepaid, addressed as follows: Michael Bangs, Esquire 302 South 18,h Street Camp Hill, PA 17011 Attorney for Defendant, Barry K. Stablein , , '!J.-d..A{'-f<A/,- {;''lLtIU,,-''-l ( _ Barbara A. Shadel Dated: I /~1 /11