HomeMy WebLinkAbout96-04840
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AL~HENY COUNTY SHERIFF'S DEPARTMENT
JOHN Me;,Z?i
Cllle' Ol'plJly
LUGLtlL L COON
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',1:,(1.1 f T.H Of SERV'CE PEI1S@AL PEI1S0tl III CHAI1GE DEPUTIZE
ATT'Y
C^SE ,,16 ~ llf({j
Exp,nLS .
V SUMMON~tf>nAEC'p!r." r /, I, 't
~ COMPLAINT 0l'lC'i' {frr f.,V I'Tfhl
NOT'CE AND COMPLA'NT (1M
REVIVAUSCI FA U<.._
INTERFIOGATORIES
EXECUTION, LEVY
GARNISHEE
.~nIER
. Add'O'l-'l./~yt4+-~
cern MA'L
POS rED
OlHEf1
LEVY
SEllED A S 1(;1,1.:
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19 .. n..' I, S'.ERIFF OF ALLEGHENY COUNTY, PA eft) I1IJ,oby (IQPul1ltl Iho ShlJ/,lI rI
_ .__ County 10 8)uJculo this WII' nrid mnko ,oluln U'ofoof according to I,W.
NOH:. OUt. Y APPLIC"Oll! ON WRIT OF EXECUTION: N D, WAIVER OF W~TCHM~N . Ally Ul:puty lilllJl" ,~",)'Iltl u!lcn i;' ''"It(h'"l! ""Y pll~l.Iel!Y ur'lc.j/ VI'lIl'" 1'>' t ,'',,,
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SI1I/a. IOVY, 00vorl160 and 0011 ollU,o porsonol pfoperly 01 tho defondont on thl;) promlSOS localod al'_ __._
MAKE
MODEL
MOTOR NUMBER
SER'AL NUMBER
LICENSE NUMflf,n
n~(fa:tf?@ 'li(Eu jIrlffl[~.
1 :L~\='16-
I ..,. ,:IH' CERTIFY 11"0 RI1TUAN Pml r~rl PH.'
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Ih
SHERIFF'S
FICE USE ONLY
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t.'I~""!ir'uCiI.!/It (I IJ'",-" ()r eCG"ll] ,n Vtl'\ell OI.l'CIlCII'\II'H 1~'IH':CI~l_._._ _.___ __.________.__~.____~...._._..___.___.._._ _
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[","."L';I.lt '."_'1 ")ulI,,: !.'I.'UWbl.' Mr.'~I.'IJ
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Nc !I'lI!r n~'r.1,' III 'l' ~"IH"'JllI! 'I.'tu"\~c. wll I!'IJ'''.C.
n, I:,) (Ir ,.~" Wll~'
You me hereby nolilled Ihal on
S"'e ''''5 been 5ellor
19___.., levy was mode In Ihe caso of..
___ , ..',_ , 19,_. , AI o'clock,
YOU MUST CALL DEPUTY ON THE MORNING OF SALE BETWEEN 8:30 . 9130 A,M,
I\T1"E'Trs
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VJli'!l) Copy . 5f~l!r,1I
'{OI:OW . S~'.lr II
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H-7 Cl.p,'!
p,,'~ c(~I!, MI ~.. 11/
,
('Note'). A true and correct copy or sold Note Is marked Exhibit 'A', attached hereto
and made 0 part hereof.
4. On or about January 31, 1984, as security for payment of the
aforesaid Nate, Defendants made, executed and delivered to Plalntllf a Mortgage
In the original principal amount of $53.000,00, sold Mortgage being recorded In the
Office of the Recorder of Deeds In and for Cumberland County, Pennsylvania on
February 7. 1984. In Mortgage Book Volume 744, Page 990 ("Mortgage"), A true and
correct copy of sold Mortgage containing a description of the premises subject to
sold Mortgage Is marked Exhibit 'B", attached hereto and made a part hereof,
5. Defendants are the record and real owners of the aforesaid
mortgaged premlaes,
6, Defendants are In default under the terms of tM aforesaid Note
and Mortgage for, Inter 0110, failure to pay the monthly Installments of principal and
Interest on sold Note whGn due,
7. Demand for payment has been mode upon the Defendants. but
Defendants hove failed or refused to pay.
8, On or about April 24, 1996. Defendants were each moiled 0
Notice of Homeowners' Emergency Mortgage Assistance Act of 1983, In compliance
with the Homeowners' Emergency Mortgage Assistance Act. Act 91 of 1983, True
and correct caples or said Notices ore marked Exhibit "C". attached hereto and
made a part hereof,
9. On or about April 24, 1996. Defendants were each mailed a
Notice of Intention to Foreclose Mortgage In compliance with Act 6 of 1974. 41 P.S,
2
ADJUSTABLE RATE NOTE
IWITH LIMIT UN INTERl'::;;T RATE CHANGES)
Thll Oocumlnl Conlllns P,ovlslC'n. Allowing '0' Chang.. In Ih. 'nl.,.., Ral., 'nc'.....ln Ih,'nl.,..t All.
will Allullln High., Ply,n.nl.. O.c,.all. In Ih. 'nl.,o.1 Ral. will R..ult In Low., Plym.nll.
Chombe"bu'lI. Penn.ylvanio
::r...."lvIlICl. ~ .3 \ ~ 19 a:t..
213 North Prfn~ Street, Shippensburg, PA 17257
I Prupl;!rty .\Jdrl;!ddl
1. BORROWER'S PROMISE TO PA Y r-
[n ,eturn fa, a loon that [ have ,eceived. I p,oml.e to pay U,S, $ ~ 3 ,000.00 (thl. amount i. called
"principal"), plu. Inte...t, to the order of the Lender, The Lender i. Volley Bank and Tru.t Company, I unde...tond
that tho Lende, may tron.fe, thl. Note, The Lender or anyone who take. this Nato by tron.fer and who I. .ntitied to
rec.lve payment. under thl. Note i. called the "Not. Huld.r,"
2. I:'-ITEREST
Intere.t will b. charlled on that part of princi pal which ha. not be.n paid, Inter..t will be charlled bellinninll on
the date of thl. Not. and continUing until the full amount of principal ha. been paid,
B.ginnlng on the date of th,. N,ne, [ will pay interest at a yearly rate of J1!L.:,,", Thi. rote i. called ..he" Initio!
Rat. of Intere.t," The rate of inter..t [ will pay will change in accordance with Section 4 oC this Note,
The rate of int.re.t "~lulred by thl' Section and Secti,JO .1 uf this Notel. the rate I will pay both before and after
any deCault ducnbed In Sectlun 71BI uf thl' :-lute,
3. PA YME:'-ITS
IA) Time and Place of Payment.
[ will pay principal and inter..t by making paym.nt. overy month,
I will make my munthly payment. on the ~day of each month bel(inning on 1"\ P>~,-'rl. b
l8 =.d.- [ Will make th." payment. every month until [ have paid all "C the principal and intere.t and any other
charges dt!scnbl;!d bi!lnw th,lt l may o)W!! undl1r thlb ~I.H~, If,on Fr6'Q.I;~"I' Co, ~O, o~. [stllllwlt! .1mtlUnt~ undt!r thl~
:-;"te, I will pay tho.. amount. in full on that date, which i. called the "maturit.y date,"
I will moke my m"nthly paymenta at the Lend... omce located atChllmbe..burg, Pennsylvonial720l,0459 or at
a different place if reqUIred by the Note Holder,
IB\ Amount of ~onthly Payments
~Iy monthly payment wlll b. In the amount of V,S, $ 592.84 This omount will change IC tho rote of
intere.t thllt I mu.t pay chlln~e., The :-Iote Holder will determine my new rote ofintere.t and the changed amount of
my monthly pllyment in accordancl! wtth Section .l of this ~ote.
4, [:-iTEREST RATE ,\:>00 ~IONTHLY PA nIE:'-IT CHA:"GES
f.\) Chon~. Oote.
B"iPnnin~~ In I:) ~ the rate 'll' intere.t I wlll pay moy chanlle "n the G'T~ day of the month of
= ~ ?g\l""",- ""! ;\nd ,m that day ~v~rY~12th a :10th ICllt!cit 'JniYIJnt' hl/,t/month th~r~ufter. Each dute on which the
rat~ ot" interest could ch.ln~t! i:i cal1t.'J i\ "Change Dllte,"
IBI The [nde~
"""y chan~e. in the ,at. <,f intere.t will be ba.ed un l:hon~e. In \he [nd.~, Th...lnd.... i.Glthe "Contract [nt.re.t
Rate, Purch."e "f PrevIOu.ly Occup..d Home., :-I otional Avera~. for 011 Ma)or Type. of Lender.' a. made available
by the Ft!d~ral Helml! LI),j11 B.\nk Btll.lrd. l)r'~ the mtlnthly ilvernut! yield'ln L'nited Stated Treultury lIecuritiesl1djulSted
to a constant maturtty ll[.l yellrs J:i In..1Je available by the F'ttdertll Reserve BI)urd.
r(,ht'ck ,m{:'Illn... II/I,tl
If the Index Id nl) ItlO/ltllf avaiI01bl.... thl! ~1)tC Htllder willl:h,)t)~e a new ind~:< whkh is bUth~ upnll compnrabl~
Int"Jrm.ltliln Th~ ~lltt! Hllld~r wlil jl(lY~ lH~ ntJtkt!' I)t' this l..:hIJh:t!.
PF::-;:>O:>\'I.V.\:>II,\-"'It,~I,' [o'amily-.' ,<I-~':-<~l"/l:nl""rm In.trun...n, Iln..re.t Rote Limit)
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12.19
I'he 11.., 1o"le. I1wure r..r thl. :-;"," I. __', 11'. c"II.d Ih. "UrllOn,,1 h"t.. ..
i'lli' 11I111'<1 n'l,'nth ,.\,)11.1111.' lll.h.,.., t'llllJh' .111 'If thl' ,1.11..' _!5_ II,J~'i't hl/(Ufl'I'Mh c'h,utlll.' I lilt II I" 1..'.1111.'11 thu "Curnnt
lndl'_\."
Il" ClllculuU..n "r Ch'lIIwe.
Bl.'t'llrl' l'oIl.'h L'thlfl/illi! Dutu. thL' ~I,tlt lltddl.!r Will iJl'lllrmll1l' .m)' ch...nlllt in Ill>' nHl' of lnlurlttit. "h" NOl' HlJld.r will
t;QkullHlf thL' ,ulttJunl.,t' lhl! oll'fl'rl'I\l.'l', If JII>', hl.'tWI!I'" lhl! f:urrrtnt lnlh..x und th... l)ri~indllnJltx, If thlt Current lndex II
tll~hltr t"un thl! Urllllr\l.lllnJlfx. till' S'IIL' }I.IIJ....r wlil.add thlt lhf(l'rllltl.:lJ tll thl.' InllllJI R.lll' "r IntL'rl1lil.lr lhij Curr.ntlnd.x It'
low.r thun Ih.')r1l1lnullnd.., the :-;"1. H..ld.r \,,11 .uh""ct the d,rr.r.nc. fr"ln th.lnlli"lllut. "flnt.re.t. Th.N,,,. Hold..
will Lhlln rlllJnd lhl! rl!liuh l)flhld ,1lhhtl'll1llr :iUhlrndiun tl) thl! IH',m'i'tl'JlW'(llHlrlt..r 11('101.' pl!rt:l.'ntllr.cll pIJintIO.~'~t), Subject to
th... lunat _tJtl,ld Itl ~JtdIO" .1"}lla,III""". thltlo rlJUlhJl'd .Hnllunt wlil hl' lhl.' n........ rllll.' IJI' lI1tl'rl't1t l urn rl.'Quir...d to pay.
Th... ~l.Jtl.' Hlll-h'r ....'lIth...n dt'll'rrnlfll' llh' 111.'''''' .llnl/lJnt ,jf H\~' monthly pl'Yl1llmt thlll WI)uld bl! lSuffici~nt to "PU)' thlt
Ilulstal1dlnlll)rll1l.'lplll bolan..:... in full ull th...mJlurlt~. JUll' Jl my nl....... rolL.' 1)( Inll'rl.'lSt in IiUlllHulltiully l.'quul payml.'ntli, Thl!
rl'liult 1)( thlli l.'nkulalllln Will bt' tht" nt'W iJmlJUl1t III' my fnfmthly pUYl11l!nt.
I l)) Llmlt..n I,Here.. flute Chunwe"
Thl' rull.' IJ( Inll.'rl.'~t 1 um rL'(lulrl.'d ll.J pay lihJ.1I nt.'\'...r b...lnl'rlfJltlfd IJrfJIICrl'll~l.'d 11I1 any Iilnllll,lChunlltt Dotll by morlt thllll ~
two pt!rct!ntat(1! p1llnu r:!,()'td c: nVl.' p"rt.'t!ntu~l:' pointb (11)" t '(,hl'fh tUlly lUll! hOXI from thl.' rlltl! of tnterl.',fl I hove been
paylnw,
(E) ECrectlve Dote oC Chanll.s
'['hI.' ni!W ratl.' \)( Inlttrl.'lH will h"'I.'lIl1\t' lofl'l'l tl\'I.' IIn It.H:h (.'h~1nloll.' lh.Hl' I \\IlII"I\" llll' 111'\\ ,IIlIHlJlllllr tll,\' llllll\tl\,\
payment euch month belPnnin~ 'In the first m..nthl~' puym.nt date aCter the Chun~e Date untH the amount oC my
monthly payment is again changed or I have full~' repaid the loun,
(F) Notice oC Chunges
The Sots Holder will maH or deli..r to me a notice 'JC an:) chanlles In the amount oC my monthly payment beCore
the eCfectlve date oC any change. The notice wllllndude Inrormatlon required by law to be given me and also the title
and tslephone number oC a penon who wHI un.wer uny question I may huve re~arding the notice,
5. BORROWER'S RIGHT TO PREPAY
I have the right to make p"ymenll of princlp"1 at an)' lime before they ar. due, A payment oC principal onl~' il
known u. a "pupayment," When I muk. a prepayment, I Will tell the :\ote Holder in a letter that I am doinll la,
I may make a full prepayment or a purtiul prepa)'ment without paylnllany penalty, The Note Holder will Ule all of
my prepaymenll to reduce the am,)unt oC principal that I owe under thll Sote,lC I make a partial prepayment, there
will be no delay. in the due dutes of my monthly payment. unleos the Note Holder aJll'eelln wrillng to those delay.,
;\Iy partial prepa)'m.nt will reduce the umount of m)' m()nthly paymenll only after the tint Chonlle Date Collowin~
my partial prepuyment, However, any reduction due to my partial prepayent mny be oCCset by an Intere.t rate
increase.
6. LOAN CHARGES
IC a law, which applie. to thi. loan and which .ets muximum loon charge., Is finally interpreted .0 that the
interest or other loan charges collect.d or to be collected in connection with thl.loan exceed the permitted limits, then:
II) any sach loan chllrlle .hall be reduced by the amount necessary to reduce thochargeta the permitted limit: and llil
any sums already collected rrom me which exceeded permitted limits will be reCunded to me, The Note Holder may
choose to make this rerund by reducln~ the principal I owe under this Note or by making a direct payment to me, IC a
refund reduce. principal. the reduction will be treated no a partial prepuyment,
j, BORROWER'S FAILL'flE TO PAY AS REQL'lRf:D
(t\) Lllte Chante Cor Overdue Puymenll
[f the Note Holder ha, not receiv.d tbe rull amout of any of my monthly Pllym.nts by the end oC fifteen calendar
duys aCter the date It i. due, I will pay a Inte charwe t,) the Sote Holder, The amount oCth. churwe will be .1-'," oCmy
overdue payment or princlpul und Int"r..t. I will pay th., lute chur~e only once on any la,e puyment.
(8) OeCault
[f I do not pay the filII amollnt or each Inonthl~' p,.yment <In lime, I will be in defuult,
(C) :o.:otice oC OeCault
[( [am in dl.'t'uult. thl! !':f)le Hohler m,lY ::lend nle u v.:rltti!n nlltket~t1inK me that if I do nut pay thel)verdueamount
by J. t:ltrtuin date, thl! ~Iltt" Hulder may require me to p.lY Immediatli'ly the full amlluntl)( principal which hus not b~l!n
pwd lSnt\ ;"1 the intl'rl.'Mt that (I)We' 1m th.lt amount. That d,ltl.l mu~t he atlcUlft:30dllY1\ after the dott" on which the notkt!'
is maill'd tll mt:' lIr It' it Iii nut m.J1h~lt. ,Ill Jay:; .\ftl:'r thi! dillt> Iln whkh it it~ di!hvl.'rl'd to mI!.
II)) Puym~nt of ~I)tl! Uuldl.r.!; Cor;tK und lo:xpl'nSl'S
If tnt.' Snlt.' Hl)ldl'r h.11i n.quird 1111.' tu pll)' Ilnrnt~dl~ltl'ly In t'ulll'li dt.'IH.'nbl'u "bove, thl! ~tltl.' lh)hll'r will hove th~
nl(~\t tl) h.. pllld ba..:k for ;111I)rit~ (.tlKt~ and expemh'g in l'nf,)rCln", thil! Nl)te to tht' t.'xtcnt nl)t pruhibttl!d by applil:ubll'
law Thl)~t.' 1':qwnli"tS indud,.. for ...'<."npll.'. "',hlllllllhlti .1ttllrnl~y:t' (t..l':oI,
K, GIVING IW NO'l'ln:l:l
Unl... opplkobl.low "'101". a dlrr.,.nt m.th",I"r lIivlnll notko, any n"tk. that ma.t b'lIlv,n to m.ander thl.
Not. will b'lIl ve.n by d./iv.rlnlllt 0' by mal/inli It hy tI,.t cia.. malladd'.....d 10 III' at th.I'",perty Add"..abov,o,
at a dirr...nt a,M,... Ir r IiIYt the N"t. H.,ld., a nullc. "I' my dlrr.,.nt add....,
I\ny nutk. that ma.t belllYtn tu the Nut. Hold., under thl' Not. will b.l(tven by mulll"li it by lI..t cia.. mall to
the Not. Hold.. at the odd,... .tat.d In !:l.cthm :l1I\labo.. 0' ot a dlfr.,ent add.... if lam Iilv.n a Mtle, or that
dl((...nt add'...,
II, 08LIGATION!:l OF PEltl:lONl:l UNUER THIl:l NOTE
I( mo.. than 'm. p..."n .liln. thi. Nut.. .ach p..."n I. fully llnd p...onully obllliat.d to kt!fp allortb. p,oml...
mod. In thl. Nut., indudlnll the p,oml.. to pay th. full om"unt ,)w.d, Any p...on who I. llliua,anto" .urety, 0'
.ndo...r ,,(thl. Not. I. 111.0 obliliat.d to do th...thlnll', Any perRon whu tak..".., the ,)bllliation. und"thl. Not.or
llny p...on who tok..ov", the "b/illatiun of lllluorontor, .urety, or .ndor..r ,,(thl. Not.l. ol"),,bIlIiBted tll krttp allor
the prom,... mod. in thi. Nut., Tho Not. Hold.. IIIOY .n(orce it. rillhl. onder thl. N"t. allaln.t each per.on
Individually ur olloln.tollofu. tOIl.th.r, '1'hl. m.lln. that llny 'Hl",fu. mllY b. re'lul,.d tu pay 1111 urth. amountlow.d
und.. thi. Not.,
10, WAIVERS
I and any ,'th.. p...on who hu. obllllotl,m. und.. thi. Not. walYt Ih. rillht. u( p....ntm.nt and notle. o(
dishono" "Pres.ntm.nt" m.an. the rillht to rO'lulre the Not. Hold., tu d.mond Pllym.nt of amount. due, "Notic.or
dishonor" m.ans the rilllH to reqolre th. Not. Hold.. to iii.. notic. that amount. due hllve not been paid,
11. THIS NOTE SECURED BY A MORTGAGE
In addition to Ih. protectiun.lIl..n to tho Not. Huld.. und.. thll Nut., a Morlllllll', dat.d the ..m. 01 thil Note.
prot.cta the Not. Hold.. from po..lbl. 10.... which mlllht re.ult If I dOl nut k..p the pruml..1 which I make in thi.
Not., That Mortllall' d..crib.. how and und.r what condition. I mllY b. required to mak.lmml!<!iat. payment in l'ull
of all amount. low. und.. thl. Not., Some of tho.. condition. are d..crib.d in Uniform Cov.nont 17 of that
Mort!lall', which provid.s as follow.:
"Tran,,'.r or th. Prup'rl)'1 A..umptlon. tr all 'If I1nv PIt,\ Ilrth. P"lptrty t)f 110 !nIl""" thu'ln I'
.Qld .)r tranlf.rrtd by Rorruwlf WlthIHJlLA"d.,', prior wrlttfn l.'\Jnnnt, ududln.r 181 thltl.'ndUl)n .,( II
IIltn." ..ncumbrllnu.ubordlnlltlf [I,) Ihi. ~Q'tlClIlI" tbl th" ~"'iltlon 0(" pur~'hl1" m'Jn')' ..cunl)' mt.,..l
(or hOUllhqld appU.nCt'.. tel II tran.(., by d.VII., dflunt or b)' IIp.,...uun Mhlw UPIl" Ih. dlllthtj( "IHnl
Ifn.nl I)' td) lh. .arunl Q( lIn)' t"ullhold Int.".t <J( Ihr" )'11I11 tj' If.. nut conlatntnlllln UPUIJn lrJ
pu,eh.u.. LAnd" "''')', lit undrrr'. option, dftl4r. 1111 Ih. .um. Itcu,.d b)' Ihl, MlJrtllllC' to btt
immtdlal.l)' ~u.'nd pl)'abl., L.ndtr .hall h4\1' wlljvW'd .uch IJpllon 10 .n',lmll. If. pnor IIJ th.lIIl. I)'
tnn.(.,. LAnd,r Gnd th. pt'rllJn t.IJ whum th, Pr'lp,rty I' I.)'" "1111 IJI' !rlln.(",.,d 'lIIch IIIfJ'..m..nllM
WrIllnK thllt Ih" crrdll'lr .uch P'FlIJn I' .ati.(actury hI [..nJ" and thllt th.. Inl.,r.t plI)'lIbl,on th, .um.
.tc:,ut'IJ b)' thl' MIJ'11111111 .hltll b.1l1 .uch IIItI' alll,lIn,ll" ,hllll rf'lll,lnl, I( undt' hll' wl&ivIld th..lpUun to
oIcc.h"lItl p",vldrd In Ih.. PII'III1'lIph 17, IInd II Brlm)W,,., .un'"..", In Inl",,.1 hl.l...xt'Cuh..1 II wnU.n
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BlJrrow.r nullClt IJ( Jcc,lrrlltllJn In J~'~'llrlllln~'" wuh PIl'lllCTllph 1-1 h"h'llf Such nlJtI~'.. .hl)1I prll\lhJ.. ol
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lum. df'C.'lllrrd du., Ir ~JrrI)W" rllil. II) Pl.)' .uch .urn. pM'lr tu th.. .."plrlllLun "hu~'h p.n1Id. u.nd" mil)',
W1lhllul (urth" 11IJ1ICfllrdl'lIlund un BllfTI)Wrtr,ln..."klt ,Iny "mltlh... pt'mutll't1 by pllrllllruph I~ hl'uu(."
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AMENDMENT TO ADJUSTABLE RATE NOTE
THIS AMENDMENT TO AD,JUSTABLE RATE NOTE i~ mad~ thi~ ~I'\N0 (>.<;2. '-1.31""- day of
~..ul'>l;l.'1' . 19 ~ and i~ incorporat~d into and ~hall b~ d~~m~d to l1m~nd and ~upplem~ntthe
Adju~ltlbl~ Rat~ Note of th~ ~ame dote Ithe "Not~") giv~n by th~ underKigned (the "Borrow~r") to Valley
Bank and Tru~t Company (the "Lendd'), The Note i~ ~~cur~d by 0 Mortgag~ and AdJu~table Rate Rid~rof
the ~ame date,
ADDITIONAL COVENANTS
Notwith~tanding th~ cov~nant~ and agr~~m~nt~ mode in th~ Not~. Borr<lw~r and Lend~r, Int~lIdinllto
be lellally bound hereby, (:ov~nant and agr~e a~ follow~:
Beginning on th~ dat~ of th~ Note and cOll~r.aing untiltwelv", month~ after the dote ofth~ Note. the
~o't!yr will pay interest at 0 y~arly rotA! of · '~I, The firsttwelv~ (I~) monthly payments will be
$ --.:.. each, Beginning tw~lve (12) months after the date of th~ Not~ and continuinll unti~ \\Venty.four
(24) months after the datA! of the Note. thl! Borrower will pay interest at a yoar~5ab~of ':l "l" The
thirteenth (l3th) through the twenty,fourth (2-11h) monthly payments will be $ ~_ each.
Commencing twenty,four (24) month~ after the delle of the Note. the rate of interest and the monthly
payment will be adjusted in accordance with the terms of the Note, The rate adjustment to be mode twenty.
four (24) months after the date of the Note shall not be governed by the 2% limitation on any Change Dote
provided for in the Note, The rate oflnterest Borroweris reqUired to p"y shall not be increased or decreased
twenty.four (~4) months after the dote of the Note by more th"n ,1% from the Initial Rote of Interest.
Tho Borrowers hereby empIJwer any Il.ttorney of any court of record within the United States of
America or elsewhere to appear for the Borrowers and. with or without complaint filed. confess judgement,
or a series of Judgments. against the Borrowers in favorof any holder hereof. as of any term, for the unpaid
balance of the principal debt. additional loans or advances alld all other sums paid by the holder hereof to
or on behalf of the Borrowers pursuant to the terms of th~ Note or said Mortgage. together with unpaid
interest thereon. costs of suit and a reasonable attorney'~ commission for collectiun. on which Judgment or
j"dgments one or more executions may issue forthwith upon failure to comply with any of the terms and
conditions of the Note or said Mortgage, For so doing. the Note or acopy ofitshall be a sufficient warrant.
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f: ',~ '~' '1 j ~I,t :j: I .
ACT91
IMPORTANT: NOTICE OF UOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE PROGRAM
PLEASE READ nllS NOTICE.
YOU MAYDE EUGlDLE FOR FINANCIAL ASSISTANCE
WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND
HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
Dale: April 24. 1?'!6
RE: Account No 191 S 180
TO:
FROM:
EVllI1geline VOYIlJ10S, 2111'1 Pnnce Sired, Shlppensburg, PA 17257
VALLEY BANK Al'o'D TRUST COMPANY
You may be eligible for flnanclulasslstance that will prevent foreclosure on your
mortgage if you comply with the provisions of the Homeownen' Emergency Mortgage
Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary
assistance If your defllUlt has been caused by circumstances beyond your control, you have
a reasonable prospect of resuming your mortgage payments, and if you meel olher
eligibility requirements established by the Pennsylvania Housing f'inance Agency. Pleasc
read all of this NOlice. It conlallls all explallatioll of your rights.
Under the Ac~ you Ille enUlled to 0 lemponry stay of foreclosure on your mortgage for ihiny (30) days from the
date of this Notiee During thot time you must llITllJ1ge llI1d ottend a 'foce.lo.face' meeting with 0 representlltive of this
lender, or with 0 deslgnaled conrumer credil counseling ogency The purpose of this meeting iSlO anempllO work oula
repaymenl plllJ1. or to otherwue settle your delinquency. T1us meeting must occur in the neNt (30) doys
!fyou al\end a face.to.foce meeling with this lender, or with 4 consumer credil coUll5eling agency identified in
this notice, no l\u1her proceeding in mortgage forecloMe may lake place for ihiny (30) days lItler the dale of this
meeting, The name. address IlJ1d lelephone number of our reprmn14tive is:
Michael E. AllemlUl, CoUection Supervisor
VALLEY BANK AND TRUST COMPANY
3607 Derry Slree~ PO, Box 4662
HJlJTinburg. PA 17111
Telephone Number: (717) 237.6173 or 1(800) 336-3049
The names llI1d Address of designoled colUumer credil counseling agencies Ille shown on the attoched sheet. II
ia only necesslll)llo schedule one foce'lo.face meeling, You should odvise this lender immedialely o{your inlentions,
Your mortgoge is in defoult because you have failed to pay promp~y inslaJJmen~ of principal and interest, u
required, for a period of allea.st sixty (60) doys, The lollli amounl of the delinquency is $25.668.30, Thai awn includes
thefoUowing: Monlhlv pa\men~ of5l03 94(or Scot throullh Dee 6 1991 3nd Ian 6. 1992 and 5479 7Hor Feb
throullh Dee 6 1992 and JIUl 6, 1993 IUldS4l2 3l for Feb thr~ullh Dec 6. 1993 and Ian 6, 1994 llI1d 5432 70 for
Feb throullh Dec 6. 1994 IlJ1d Inn 6. 1995 Md 5410 19 for Feb throullh Dee 6, 1995 and 1M 6. 1996 IlJ1d 5454 68
for Feb Mill IlJ1d April 6 1996, Dlus 10telMd other chIll4..)of50 QQ.
I
The Pennsylvllllio Housing FinllJ1ce Agen.:y CIlJ1 be reoched TOLL FREE 011(800)342-2397,
ACT91
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE.
YOU MA Y BE ELIGIBLE FOR FINANCIAL ASSISTANCE
WHICH CAN SAVE YOUR nOME FROM FORECLOSURE AND
HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
Dale: April 24, 1996
RE: AccoWlt No.: 591~I~O
TO:
FROM:
John S. Vayan05, 213 N Prince Street, Shippensburg, PA 17257
VALLEY BANK AND TRUST COMPANY
You may be eligible for "nancial Aubtance that will prevent foreclosure on your
mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage
Assistance Act of 198,} (the "Ar.t"). You may be eligible for emergency temporary
assistance If your default hAS been caused by circumstances beyond your control, you have
a reasonable prospect of resuming your mortgage payments, And if you meet other
eligibility requirements established by the Pennsylvania Housing Finance Agency. Please
read all of this Notice. It contains an explanation of your rights.
Under the Act, you are enutled to a temporary stay ofrorcclosure on your mortgage for thirty (30) days from the
date of this Notice, Dunng that time you must arrange and allend a "face,to.face" meeting with a representative of this
lender. or with a designated conswner credit counseling agency, The purpose of thIS meeting is to attemplto work out a
repayment plan, or to otl'<rWlSe settle your delinquency. This meeting must occllr in Ih,: next (30) days,
lfyou attend a face.to.face meeting with thIS lender, or with a consumer credit cOWlseling agency identiJied in
this notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days after the date of this
meeting, The name. address and telephone number of our representative is:
Michael E Alleman. Collection Supervisor
VALLEY BANK AND TRUST COMPANY
3607 Den)' Street, POBox 4662
Harrisburg, P A 17111
Telephone Number (717) 237-6173 or I(SOO) 336.3049
The names and address of designaled consumer crewt cOWlselins agencies are shown on the attached shee~ It
is only necessary to schedule one face. to. face meeting, You should advise thiS lender immediately of your inlenlions,
Your mortgage is in defaull because you have failed 10 pay promptly installments of principal and inlerest, as
required, for a period of alleast sixty (60) days, The lotal amounl of the dellnquency is $25,66g,30, That sum includes
the following: Monthlv oaments of5503 94 for SeOl, throullh Dec 6.1991 and Jnn 6.1992 and 5479.74 for Feb
throuoh Dee 6.1992 and Jnn 6. 1993 andS452 35 for Feb lhrOIl!/h Dec 6,1993 and Jan ~, 1994 and $432 7Q1slr
Feb throu.h Dee 6. 1994 Bl1d Jan 6, 1995 ilnd 5450 59 for Feb throuih Dee 6, 1995 Bl1d Jan, 6, 1996 and $454 68
for Feb.. Mar Bl1d April 6. 1996. plus lele (and other char.e,)of SO 00
,
The PennsylvQJtla Housing FinBl1ce Agency CIll1 be reached TOLL FREE at 1(800)342.2397,
"
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