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A1"TOlINMV AT LAW
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NIlWCUMBDLAHD.PA 17111\1
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situate at 5235 Meadowbrook Drive, Mechanicsburg, Pennsylvania
17055, being improved upon with a dwelling.
5. Said loan was further evidenced and secured by a Note
which accompanied said Mortgage dated November 20, 1991, a copy of
which is attached hereto, marked Exhibi t "B", and made a part
hereof by reference.
6. Harris Savings Bank, in consideration of the said
Mortgage, being an open-end mortgage, and accompanying Note,
advanced to Lawrence C. Hull and Lorraine T. Hull, the sums of
money from time to time with the unpaid balance as of September 1,
1995 being TWENTY FIVE 'rHOUSAND THREE HUNDRED NINETY NINE AND
05/100 DOLLARS ($25,399.05).
7. The premises subject to
specifically set forth in Exhibit "A",
part hereof by reference.
8. Lawrence C. Hull and Lorraine T. Hull are the sole owners
of the said premises contained in said Mortgage.
9. Said Mortgage and Note have not been assigned in whole
or in part by the Plaintiff herein.
10. Lawrence C. Hull and Lorraine T. Hull are the sole record
owners in fee simple of said premises by virtue of a Deed dated
July 2, 1976 and recorded in the Cumberland County Recorder I s
office in Book S-26 , Page 218
said Mortgage is more
attached hereto and made a
11. Judgment was previously taken November 7, 1995 in tlw
amount of $28,541.28 in Mortgage F'orec 10Bure Action No. 95-5064
civil Term which was paid current by Defendants and accepted by
Plaintiff, reinstating the Mortgage.
12. The said Mortgage is in default because Defendants herein
have failed to pay thE! monthly payments of $196.93 that was due and
owing for the month of May, 1996, $196.60 that. was due and owing
for the month of June, 1996, $203.15, that was due and owing for
the months of July and August, 1996, $190.05 that was due and
owing for the month of September, 1996 and $209.71 that was due and
owing for October, 1996.
13. The Plaintiff has given to the Defendants written notice
of intention to foreclose on said Mortgage as required by law under
Act 6, dated April 6, 1995, copies of which are marked Exhibit "C"
and "D" and attached hereto and made a part hereof by reference.
14. The entire principal amount of TWENTY FOUR THOUSAND
NO/100 DOLLLARS ($24,000.00) has become due and payable, together
with interest at the current rate of 10.25% per annum, reasonable
legal fees for collection of said sum in accordance with the terms
of said Mortgage and costs.
15. The Plaintiff believes and therefore avers that
reasonable legal fees for collection is $~02.18 .
16. The Defendants are liable to the Plaintiff for interest
at the current rate of 10.25% per annum until paid and expenses as
provided in and collectible under the mortgage documents that will
accrue until distribution by the Sheriff of Cumberland County,
Pennsylvania, to be computed at the time of judgment in these
proceedings in addition to the current loan balance.
17. The Defendants are liable to the Plaintiff for the
following on said mortgage loan:
A. Principal amount and interest
due through 10/30/96 : $ 24,627.52
B. Interest at the rate of
10.25% from 11/1/96 to 6/4/96 $ 1,416.00
C. Late Charges $ 123.73
D. Attorney's Collection Fee S 1.302.18
TOTAL: $ 27,469.43
18. The Plaintiff believes and avers that neither of the
Defendants are members of the armed forces or are in the military
service of the United States of America.
WHEREFORE, the Plaintiff prays the Court to enter Judgment
against the Defendants, LAWRENCE C. HULL and LORRAINE T. HULL for
Mortgage Foreclosure against and sale of the mortgaged property,
with damages in the amount of TWENTY SEVEN THOUSAND FOUR HUNDRED
SIXTY NINE 43/100 DOLLARS ($27,469.43), together with additional
interest thereon, costs and all other amounts advanced by
Plaintiff.
DATED: ~j?"H~"_ I (
, 1996
7
(~~/)~
ROB~RT E. MYERS, ESQUIRE
100 York Road
New Cumberland, PA 17070
(717) 774-3163
Attorney 1. D. No.: 09729
Attorney for Plaintiff
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EXIlIBIT "A"
"806006359
ND'I
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IPTlet! fOR ~235 ~ onxw,
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ALL that ce~tain pile. or parcel of land, Dituat. 1n Hampden Tow,ehlp,
eumbe~lan4 County, ,ennly1vanla, .o~e p&ttlcula~ly bounded ~,4
deacrlbed a. follows, to witl
BEGINNING at a polnt on the IAlte~ly line of Headowb~ook Drive a: the
northerly 11ne of LOt No. 21, Block A on the hereinaftlr
~ntloned p1anl thenae e10n9 .aid lin. of Headowbrook D~ive Nertl 01
d&9r.e 50 minut.. Weat, 100 fe.t to a point' th.nce by the southlc1y
11ne of Lot No. 24 North .. d.t~ee. 10 _lnute. Ealt 138.68 feet :0 a
polnt' thance by lot. on the . an of Good Hope Terrace South 01 laqr..
51 minuU' laal: 100 flllt to a ,olntl thence by the no~ther1y
11ne of Lot NO, 22 South II degree. 10 Mlnute. We.t 138.74 feat '0 ~.
place of B&GINNIMO,
&lIMO Lot NO, 23 on the Ra.ubdlvl.10n ,1an of .art of Block A, 'Lan No,
6, Good Hop. 'arml, .aid plan recorded in ,lan Book 21, 'a'8 147,
eunharland county ~ecord..
IIAVII10 T\ItlU!ON 0EC1'K1l a one .tory dUlllinUlll ~anoh-type dwell1nq lith
an attaohed one car taraqa, known and nuaoored
a. ~lJS Meadowbrook Drlve, 0004 HOpe 'arm., Heohenic.but;, ,enn'flvania,
HlrI<J the ..Ill. prellU'U whloh 1I0bort II, Ilowmal\ and Anne L. IloWlUII, M.
wlfe, by their dee4 deted July 31, 1914, and recorded in the
Offic. of the Recorder of Deed. ~I\ and for Cumber\and COunty, ,enn.ylva-
n1a, in Deed look .s., V01~. as, 'a;e 479, granted and conveyed unto
Acie' I, casri&t an4 ~rm& J, Casriec, hi. wifa, 9~.ntor. haraia,
Bein9 the same pnlllile8 which RogeJ:' E. ce.rdu , NOI1l\ll J. CaJ:rieJ:' hi.
wite, 'r1{ deed. <ed July 2, 1976 and J:'ecol'dlld in the recoroeJ:' of 1le8da
Office in cumeJ:'land CO'.Illty in &led boOK 5 26 pagel 218, qranted .1ll4'I
conveyed unto Uwrenoe c. Hull .. lDJ:'XlIine or, Hull, hie wife.
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I"~orl'~ ,. , , .1 t.J..
We //lay aim me YOIl pa.lII/wlly for Ih,' /lI/I"litl p";I/dpal /lalwl(,(~ 111I,/ .,11 ollra .III//IS ,/ue
under lire //lor/gag".
/fY014 have /101 curetl IlIe dejimll wllhill/lle I"'ny tllJY period IIIII/foree/osllre proceedings
lIaVt: begulI, you slllllwve 111(' rlgllll/l ('1m' 1/'" tI':Jilllll alii/ pre\'ell/ IlIe slIle III any lill/e up 1/1
olle 1I0ur before IIIl! sherij)'s foree/oJu/'(' .wl,'. YOIl//lIIY tI" .HI by poylllgllle 1011I/ lI//1oum of IlIe
ullpllld mOil/lily paY//IiUlls.pllL5 WIY lale or OIha cllargeJ Ihen dill'. 'IS IlIe 1'I'lulI/wble aI/oriley's
fees alld COSIS Connet'letl lVillllhe furedosllr,' slIle (1111/1 p"'};)/'I/I II11Y OIlier I'I~I/"ire//le/l/s IlIIder
Ihe //Ior/gagl!). II Is eSlilll,lIed 111/11 III/! earli('.I'/ tllI/e 1111I1 slIcll II J/lI'rijJ's sale coultl be held
would be approxill/lIIe1y Marcil 5. /997. II I/OI/c(' of Ihe d,II(' 'if IlIe sllerijJ's sail! will be J't'/I/
/() you before IlIe sale. Ofcours/!. Ihe lI11/o/lIIlneelh'd 10 CIIre lI,e ,/efilllllwill increaJe IlIe 10llger
you wail. You may filld oul al allY lill/e <'XlIClly wllallhe reqllired paymem will be by calling us
at Ihe followlllg I/1I11/ber: 232-6660 ('.rI. 292 or / -8()()'55.J-4572 eXI. 292. 17,1.1 paY//Ielllll//lS1
be in CASU. CASlJJER'S C/JECK. CERTIFIED C/JECK OR MONEY O/WER III/1J II/ode pllYllble
10 us allhe address SUII,.tI IIbove.
You should relllize IlulI II JhaUTs Jllle Ivill ('1/" yaur ()\vl/I!/'shlp of III/! //lor/gaged properlY
and YOllr rl}:11I /0 rel/lIlill ill il. If you Wlllillll(' 10 IiV<' ill III.. pmpeny llfia IIIl~ sherijJ's Sllft'. a
lawsull COllld be Slimed /0 evicl you.
You Illlve atJdlllollal rl}:III.I' 10 Irelp pru/{'cl YOllr illl/!reM ill lire proper/Y. YOU lIA VE nJE
R/GUT TO SELL mE PROPERTY TO OBTA/N MONEY TO PA Y OFF mE MO/lTGAGE
DEBT, OR TO ROUROW MONEY FlWM ANomER LENDING /NS11TUTJON TO PAY OFF
TfJ/S DEBT. (YOU MA Y /JA VE 11JE RIG/JT TO SELl. OR TRANSFER 11JE PROPERTY
SUBJECf TO 11JEMORTGAGE TO A BUYER OU '/uANSFEUEE W/JO W/LL ASSUME T/JE
MORTGAGE DEBT. PROViDED T/JAT ALl_ mE OUTS1itNDING PAYMENTS. C/JARGES
AND ATfORNEY'S FEES AND COSTS ARE PAID PUJOR TO OR AT 11/E SALE, AND T/JAT
mE omER REQUIREMENTS UNDER TlJE MOUTGAGE ARE SATISF/ED). CONTAcr US
TO DETERMJNE UNDER WHAT CIRCUMSTANCES TEUS R/G/JT MIG/JT EXJST. YOU /JA VB
THE RJG/JT TO HA VE TlJJS DEFAULT CURED BY ANY H/JRD PAUTY IlerlNG ON YOUR
BEHA.LF.
/fyou cure Ihe tlefallll. Ihe //lor/gage will be reswred /0 lire sa//le posilion as ifno defaflll
had occurred. However. YO/I are /1011!/l/illed I/Illtis /'ighllO Cllre Ylll" ,/('fill/II more OW" Illfee
limes in allY calendar yellr.
Sincerely yours,
J. W. Slrader. Jr.
CoUl!elhllls/REO M(lIIager
JWS/Jjc
We //lay also .l'lIe YOII p",.wnally for Iht' IIIIpoid prilldpallwlance I/lld all OIh", SU1/~I' dll('
uruJer the //IortWI!I('.
If you have 1101 cured Ihe defallll wilhilllht' Ihirty day p",iod amlforeelo.l'lIre pro.::eedinlls
have begun. you .will ha~'(' II/(' right 10 Cllre II/(' deJillllt olld pre vell/ tht' .II/Ie many time' lip to
one hour before II/(' sherijJ'sforeclosllre .wle, YOIIII/oy do,w by payillll Ihe lolal ClIl/OlUlt oftlw
unpaId mOfllhly paymMlts.pllls any lalt! or olh", charlle.I' Illl'n dlle, as Iht' r('cLw/wblt. attorney's
fees aruJ costs connected wilh the forecfo.l'lIrt' .wle (alld perform any other reqldre//lents ,mder
the /liar/gage). It Is esti//latt'd Ihm II/(' earliest dale IhclI sllch a shaijJ's sale could bc' held
would be approxi//lately March 5. 1997. A 1I0licc' of Ihe time of the sl/('riff's .wle will be sell/
to you before the sale. Of call role. the amoullt needed It! ClIre Ihe default will illcrease the 10llger
you wait. You may find Ollt at any time exactly whallhe reqllir(~d paymelll will be by calling us
al thefollowillg nllmber: 232-6660 t'.ft. 292 or 1.800-554-4572 ext. 292. 71/is paymefll//lllst
be in CASU, CASHIER'S CHECK. CERTIFIED CIIECK OR MONEY ORDER ami made payahle
to liS at the address statc'd above.
You shollld realize Ihola sh(.rij)"s mIl' will elld YOllr tJlvllersl1ip oflhe //Iortgaged properlY
and your ri!lhllO re//lain ill il. If YOII colllilll/{' 10 iiV<' illlhe pmperlY ({fic'r Ihe shaijJ'.f sale, a
lawsllit could be sltJrted 10 evicl you.
You have additional rilllllS 10 help prolecl YOllr illlerest in the property. YOU HA VE TilE
RIGHT TO SELl. THE PROPERTY TO OBTAIN MONEY TO PA Y OFF TilE MORTGAGE
DEBT, OR TO BORROW MONEY FROM ANOTlIER LENDING INSTITUTION TO PAY OFF
TlIIS DEBT. (YOU MA Y IIA VE TllE RIGIIT TO SELL OR TRANSFER THE PROPERTY
SUBJECr TO THE 'MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME TilE
MORTGAGE DEBT, PROllIDED THAT ALL TlIE OU7:5TANDING PAYMENTS, CIIARGES
AND A7TORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT TlIE SALE, AND TllA T
TIlE OTHER REQUIREMENTS UNDER TilE MORTGAGE ARE SATISF/ED). CONTACI' US
TO DETERMINE UNDER WIIAT CIRCUMSTANCES TJ//S RIGHT MIGIIT EXIST. YOU IIA VE
TILE RIGHT TO HAVE TlllS DEFAULT CURED BY ANY TlIIRD PARTY AerlNG ON YOUR
BEHALF.
If you cure the default, the mortgage will he reslOred /0 the same position as ifno default
had occurred. However. YOII are not elllitledla Ihis right IV cure your dtfault more than three
limes in any calendar year.
Sincerely yours.
J. W. Shader. Jr.
Collections/REO Manager
JWSl.ljc
YOIl 1II11Y be eligible fOJ' flnandul ussbtalll~e that will pl'evellt foreclosure on your
lIIol1guge if YOIl comply with Ihe provisions of Ihe 1I011leoIVllers' Emergellcy MOl1gllgc
Assblunce Acl of 19113 (Ihe "Acl"). YOll lIIay be eligible 1'01' elllel'gcncy tcmponll'y
lLSSbtunce if YUill' defalllt hilS been callscd by drclllllslallccs beyolld YOllr cOlltrol, YOII hllve
u rellsollable prospect of I'(~sllllling YOIII' 1Il0l.tgage paYlIlellls, and if YUIl IIIcet olher
eligibility reqllirelllellts cstablbhed by thc Pennsylvania HOllSillg Finance Agellcy. Please
read ull of this Nolicc. II cOlllalns an explanation of yonI' rights.
U~der the AdJou are entitl~d to a tempor.uy stay of foreclosure on your mo:tgage for
thirty (30) days fronithe'dale of this Notice. During lhat time you must arrange and attend a
"face-to-face" meeting with a representative of this lender, or with a designated consumer credit
counseling agency. The purpose of this meeting is to attempt to work out a repayment plan, or
to otherwise settle your delinquency. This meeting must occur in the next (30) days.
If you attend a face-to-face meeting with this lender, or with a consumer credit
counseling agency identified in this notice, no fllrther proceeding in mortgage foreclosure may
lake place for thirty (30) days after the date of this meeting. The name, address and telephone
number of our representative is:
Howard Stein, Collection Counselor
Harris Savings Dank, Second and Pine Streets, 1'.0. Dox 1711, Harrisburg, PA 17105
(717)-232-6660 ext. 291 or 1-800-554-4572, ext. 291.
The names and addresses of design.ltl~d consumer credit counseling agencies are shown
on the attached sheet. It is only necessary to schedule one face-to-face meeting. You should
advise this lender inllllediately of your intentions,
Your mortgage is in default bec.\lIse you have failed to p.\y promptly installments of
principal and interest, as reljuircd, for a period of at least sixty (60) days. The total amount of
the delinquency is $829.98, which includes late charges totaling $30.15. That sum includes the
following:
MONTH I3lLLED
May IS, 1996
June 15, 1996
July IS, 1996
August 15, 1996
AMOUNT IlILLED
$196.93
$196.60
$203.15
$203.15
Your mortgage is also in default for the following reasons: None
If you have tried and are unable to resolve this problem at or after your face-lo-face
meeting, you have the right to apply for financial assistance from the Homeowner's Emergency
Mortgage Assistance Fund. In order to do this, you must fill out, sign and file a completed
Homeowner's Emergency Assistance Application wilh one of the designated consumer credit
counseling agencies listed on the attachment. An application for assistance may only be obtained
from a consumer credit counseling agency. The consumer credit counseling agency will assist
you in filling out your application and will submit your completed applicalion to Ihe
Pennsylvania Housing Finance Agency. Your application must be filed or postmarked, within
thirty (30) days of your face-to-face meeting.
It is extremely important that Y(l\1 file your application promptly. If you do /lot do so,
or if you do not follow the other lime periods set forth in this leller, foreclosure may proceed
against your home ill1mcdiiltely.
IDHARRIS"
1M SAVINGS BANK
~n:1 ~11I11l Sn'tHld Slll'l'l
1'0. 11",1;11
IliIrIISUUrH. l'l'IlIlSylvillli,1 17105.171l
71712:U;..III-11
ACT 91 NOTICE
.~ '.
TAKE ACTION TO SA VE YOUR IIOME FROM
I'ORECLOSUlm
The Commonwealth of Pennsylvania's Homeowner's Emergency Mortgage Assistance
Program may be able to help you. Read Ihe following notice to find out how the program
works.
If you need more information call1he Pennsylvania Housing Finance Agency at 1-(800)-
342-2391.
La notificacion en adjunto cs de SlIma ill1portancia, plies afccta Sll derecho a continuar
viviendo en su casa. Si no COll1prc:nde el contenido de esta notificacion oblenga una traduccion
immediatamenle lIamanda esla agenda (Pennsylvania Housing Finance Agency) sin cargos al
numero mencionado arriba. Puedes ser e1egible pam un prestamo por el programa lIamado
"Homeowner's Emergency Morlgage Assistance Program" el cua1 puede salvar su casa de la
perdida del derecho.a rcdill1ir su hipoteca.
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNERS'
EMEI{GENCY Main-GAGE ASSISTANCE I'HOGRAM
I'LEASE READ TillS NOTICE.
YOU MA Y DE ELlGIULE FOlt FINANCIAL
ASSISTANCE WIIICII CAN SA VE YOUR 1I0ME FI{OM
IIOHECLOSUKE AND IIEL(> YOU MAim FUTUI{E
MOKTGAGE (>A YMENTS
DATE:
RE:
TO:
MAILING ADD.:
PROPERTY ADD.
FROM:
ADDRESS:
August 19, 1996
Account No. 1806006359
Lawrence C. Hull
5235 Meadowbrook Drive, Mechanicsburg, PA 17055
5235 Meadowbrook Drive, Mcchanicsburg, PA 17055
Harris Savings Dank
Second and Pine Slreets, P.O. !lox 1711, Harrisburg, PA 11105
~)Ot\B,-r D
You lIIay LH! cllglblc for I1l1alldala!>~btallce thaI will PI'cvclIl fOI'cclo~ure 011 YOIII'
1II0rtgage If Y{)ll cUlllply wilh lhe provbillll~ uf Ihe II III IICO WIIl'I'S , EIIICI'I:CIICY M{)I1gllgc
Assbtauce Act uf 19M3 (11Ic "Acl"). YIlII lIIay he l'Iil:lhlc f,ll' elllel'gell('Y lelllpllnlry
ussbtallc(! If YOIII' defaull hlls heell caused hy dl'culIIstallce.~ heYlllld youl' cOIIIl'ul, YOII have
u rCll~ollnblc PI'ospccl of re~ulIlillg Y{)III' lIlol'll:age pllYlIlellls, a 11I1 if you lIIeel olher
ellglbiHly rC(luh'ell\ellt~ e!>lublbbed by Ihe l'eulI~ylvallla lIomlllg Fillallce Agcllcy. Please
reud all of Ibis Nolice. It cOlltaills all explllllaliulluf YUill' rights.
Under the Act, you are entitled to a temporary ~Iay of foreclosure on your morlgage for
Ihirty (30) days froni'!he'dale of this Notice. Dllring thaI lime you IIIl1sl arrange and aHend a
"face-to-face" lIIeeting with a representative of this lender, or with a designated consumer credit
counseling agency. The purpose of this meeting is to attemplto work oul a repay men I plan, or
to otherwise settle your delinquency. This meeting must occur in the lIexl (30) days.
If you aHend a face-to. face meeting wilh this lender, or with a consumer credit
counseling agency identitied in this notice, no further proceeding in mortgage foreclosure may
lake place for thirly (30) days "ftCI' Ihe date uf this meeting. The name, address and lelephone
number of our representative is:
Howard Stein, Collection Counsclur
Harris S...vings Bank, Second and Pine Streets, P.O. Dox 1711, Harrisburg, PA 17105
(717)-232-6660 ext. 291 or HlOO..554-4572, ext. 291.
The names and addresses of designated consumer credit counseling agencies are shown
on the attached sheet. II is only necl!ssary to schedllle pne face-to-face meeting. You should
advise this lendcr imlllediately of your intentions.
Your mortgage is in default becausl! you have failed to pay promptly installmcnts of
principal and intere~t, as required, for a period of at least sixty (60) days. The total amount of
the delinquency is $829.98, which includes latc charges totaling $30.15. That SUJll includes the
following:
MONTH DILLED
May 15, 1996
June 15, 1996
July 15, 1996
August 15, 1996
AMOUNT DILLED
$196.93
$196.60
$203.15
$203.15
Your mortgage is also in default for the following rc.1sons: None
If you have tried and are unOlble to rcsolve this problcm al or after your face-Io-face
meeting, you have the right to apply for tinancial assistance from the Homeowner's Emergency
Mortgage Assistance Fund. In order to do this, you must till out, sign and file a completed
Homeowncr's Emergency A~sistance Application with one of the designated consumer credit
counseling agencies listed on the attachment. An application for assistance may only be obtained
from a consumer credit counseling agency. The consumer credit counseling agency will assist
you in filling out your application and will submit your completed application 10 the
Pennsylvania Housing Finance Agency. Your application musl be filed or poslmarked, within
thirty (30) days of your face-to-f.lce mceting.
11 is extremely important thill YOII file your applicatiol1 promptly. If you do nol do so,
or if you do not follow the olher time pcriods sct forth in this Ictler, foreclosure may proceed
against your home immediately.
. SHr II II 1,':3 BETUliN . 1;[IJllL AI<
1;^S~: NUl 1'J'Jh."'fil':l2 P
CI'MM\JNW~:AI,TH IW 1'~:NNSYI.VMllAI
CIJIINTY IJF CIJMH~:RL^ND
"^nrl!:~ SAV INliS UANK
--
vs.
HUl.I, I.AWK~:NCt:; C ET AL
-
MICllM:1. BAflR[CK ' Sher1ff or Doputy Sheriff of
CUMBCHLANU County, Penney 1 van la, who be lnll du 1 y sworn accordip9
to law, says. the wlth1n COMPI.AINT - MURT FOR~: was served
the
upon. HIII.L LURI1AINE T
defendant, at 1011il.1/J1/J HOURS, on the 18th day of December
..J
1 ':/':/6, at
52::):) M..:^OUW8RlJIJK OR (V..:
...J
M~:CIIAN It;:H~URt3" PA I./",'j:i -' \;IJI'II3I::RLAND
COllnty, rJ(:>nnaylvon~a, by handlng to I.AWK~;NCt:: C. HULl.
AIlI!I.T IN 1~ltARI;f:
a I.rue nnd aucsteol ',;Opy of the CIJMI'I.AIN',' - MlmT FI)R~:
1',,,qr'I',her with NUT [l;~:
and at the same time dlrectl.ng \U.!L att.en\. ion to the contents t.hereof.
~
.J
~llrriff'B Costs:
Docketing
Service
Affidavit
Suroharge
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R. Tl\OI11i!lsl\Tine. "hen
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1'!f.~ODCKT C. MYEB:3
12/19/l'3"I(,
by
Sworn and eubacr 1.bert to bftlfore me
Ih~S 31AJ-. day of iJLu...J---.-
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