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a copy of which is attached hereto, marked Exhibit "A", and made
a part hereof by reference, which mortgage contains and is a lien
upon the property situate at 35 Old Stonehouse Road, Township of
Silver Springs, Cumberland County, Carlisle, Pennsylvania, 17013,
being improved upon with a dwelling.
5. Said loan was further evidenced and secured by a Note
which accompanied said Mortgage dated August 11, 1988, 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 and accompanying Note, advanced to Leroy H. Ruff and
Paulette M. Ruff, the sum of FIFTY SEVEN THOUSAND SIX HUNDRED
DOLLARS and 00/100 ($57,600.00).
7. The premises subject
specifically set forth in Exhibit "G",
part hereof by reference.
8. Leroy H. Ruff and Paulette M, Ruff 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. Leroy H. Ruff and Paulette M. Ruff are the record owners
in fee simple of said premises by virtue of a Deed dated 13, June,
1988 and recorded in the Cumberland County Recorder's Office in
Book M-33 , Page 1125
11. Judgment was previously taken October 6, 1994 in the
amount of $61,613.78 in Mortgage Foreclosure Action No. 94-4465
Civil Term which was paid current by Defendants and accepted by
to
said Mortgage is more
attached hereto and made a
Plaintiff, reinstating the mortgage,
12. The said Mortgage is in default bacause Defendants herein
have failed to make monthly payments of $514.04 that was due and
owing for the months of June, July, August and September, 1996 and
monthly payments of $526.67 that was due and owing for the months
of October and November, 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 November 4, 1996, copies of which are marked Exhibit
"C" and "0" and attached hereto and made a part hereof by
reference.
14, The Plaintiff has given written notice of default as
required by the Homeowner's Emergency Assistance Act of 1983, dated
November 4, 1996, copies of which are marked Exhibits "E" and "F"
and attached hereto and made a part hereof by reference.
15. The entire principal amount of FIFTY SEVEN THOUSAND SIX
HUNDRED and 00/100 DOLLARS ($57,600.00) has become due and payable,
together with interest at the current rate of 8% per annum,
reasonable legal fees for collection of said sum in accordance with
the terms of said Mortgage less such sums as have been paid on
account of principal of the said mortgage and costs.
16. The Plaintiff believes and therefore avers that
reasonable legal fees for collection is $ 2,870.~_.
17. The Defendants are liable to the Plaintiff for interest
at the current rate of 8% per annum unti 1 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 and thereafter
until paid.
18. The Defendants are liable to the plaintiff for the
following on said mortgage loan:
A.
Principal amount and interest
due through 11/30/96
$ 55,133.79
B. Interest at the rate of
8%% from 12/01/96 to
06/04/97:
TOTAL:
$ 2,278.00
$ 285.92
$ 2,870.59
$ 93.17
$ 25.00
$ 60,686.47
C. Late Charges:
D. Attorney's Collection Fee
E. Escrow Due
F. Returned Check Fee
19. 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, LEROY H. RUFF and PAULETTE M. RUFF, of
Mortgage Foreclosure and sale of the mortgaged property, with
damages in the amount of
560.029.61, together with additional
interest thereon, costs and all other amounts advanced by Plaintiff
until paid.
DATED:
~<.J;",fvV )\
, 1996
R~~OU(RE
100 York Road
New Cumberland, PA 17070
(717) 774-3163
Attorney I. D. No.: 09729
Attorney for Plaintiff
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M,".n I..,d nr Mille .rI.lm ror d,ml''''' ...."10.." r.ll. hi ''-rr'''rl In I,ntin ..lIhl" .\Odl,lln" Ih,d.l, Ih. nndtf h
Ii""', 1.M,' I. IUlhnflrr<J Inc-nll,d Ind 'rrl~ Ih, rll"<rt\l~, '11t1l>f'11,,", .lth" 10 rl"ll."IIlonor "....1, Mlh, rr",.,rl,nt
In Ih.luml ,"I"rd II, IhI. !\foc;u,ll, lul,um,nl, .h,t.."nt ftl'1 Ih.n du.
Unl....llndn Irwt ~,o.tfl)\hrr~l., Il'ff In .,1111111, In, 'rrlltlt1t'ln nlr,nttlth InrllnC'I,..llh.1I "ett ulrnd nt
I'O'lI'C"" Ih. dlwll.II nt Ih. tnt'ItIlhl, ""lnfTIla "(,,,,,", In In r-"llIrhll .nd 2", chin., Ih. .mnunl nftuch fMl,""nll,
If, "...,.." Nil .,IHIf'4; ,"'....."'. ", l'IIlff N.t . W."", p.I,n,lnn nf Ih, 11m' fn. rl,m,n' fI'
rntldllullttn tlI .mMtlnllorl .,( th, lum' ,,",111,,1 10, Ihll ~uIII, Inltlum'nl ,"nll1l 10, l,n,lff IIl.n, lutt'f'tlOlln
1n1"..I"" ""',n." .hlll fW'If l"f'Ifll, In ,,1,.., Ih, lIaNUI,", Ih. nflllhl.1 ""U"." r>f rlI",n.,,'. tUN"""" Inlnl"..I,
I.ndtt a".1I "Ill ht '''1"lrtd I" et>nlmtflrf r'('IrHtll~.~ .,.ln~1 ,n, .UI'('....., In Inl,,"1 ,., "filM hI nl,nd II"" f04'
,..,mtftl N' I'I4h'I"I", ~tlf, Imrllllllll,>II '" Ih, luml".,.u,"l hy 1M. ~",IIIUr Inll,"nllnl h, '''''"" "'.n, d,"","1 1",,1.
~ Iht",I.'n.ll1tw'CJel,r (Of I'cwIO."'IIIIr'Cf'IIV'll.lnlnt,,,.t An, fllfhtt,.nu h, I ,nd,r In ,.,nl,ln. ,n, II,hllM' ,tmtd,
th.1I1W't ht. .."'-" C'IInr J'fKhht, Ih, ..,rrl", of an, .llhl", l,m..1,.
II. Ill."..... 'M Alttll" ..".~ JeIl,,1 .... !II,,...III.\lIlIJI (....11'1.", Th. rl1_,n.nll.rwt ."",mtllll flf
l"'aSKu,ll, In,ll1,mml.hlll N~ .nd..,,,,f11 11I.ldCCt',"U .nd .ul,n,r41 mil" .nd I'm"'.'" Illhjttllnlh. r,ttnl,lon.
nlrtUI"rh 11, "Mr".,,'. e"_~lnt'lnd _.,,,m,nt,'hall ht rMnll1Wt ",_,n!. An, lint,,,.,, .h" en .I,nllh ,!rcurlt,
In",u""nl bul dnrt n", ,"cut. the Nnl,: e.) I. C(1 II,nlnlll Ihl. ~\IIII, In,lllIm,"1 ...1, 10 mn'II.",II'"1,.nd c"""',
Ih.1 nn""."'II",,,..1 In Ih, r'l"fWII, uml" III, trim...' Ihl, ~IIIII, In'lrum,"I; (h) I, not rrrW'll.II, nfoll..lrd 10""
lhe lum'lII'C'urtll II, Ihl. ~mlt, IMllum'nl; .n,1 (c)",tf'tlh.1 I ,nil" .nd .n, IlIh" Ro,,""" ml, "'H InUI.nd,
MOdi", 'n.-No" or m.h In, kenmmro.IHmI ..Uh "'lid In Ih, It,nll M Ihla Src:urll, I"'huminl '" Ih. N"I. .Uhnul
Ih.1 "",,.,.,,'. "",,,,,I
II. . AlII Or"..., I(lh. Int. -.rc:1I,,.1", Ihl'~IIIIt, I"~IIIII""II I. .uhjl"C'lln .1.. .hkh "'II ml.lmum """
chlr'~ .nd Ihll I.. h fln.lI, In'''rltt"1 1<1 111.1 Ih, 1,.1"".1 or nlhtr IoIIn C'hll'" C'nll...lrd fit' 10'" C'nllttl"lln
C"MnKllnn .ltll Ih. IIlIn tlc,.,..llh. I~'mllltd lI,hlt~, III,nl (.) In, 'urh INn ch"" ,hili hr ,rotund h, Ih. .mm1nl
nlf"-" In ,,,hit' I'" chu" I" Ihr rrfmlllnlllmll;.1I<1 (1I) .n, .llm' Ilrrlll, c"llltflm r""" ""UI1." .hlrh utf'tdnl
",,,"11I1d Um,11 .111 ... ,rf'unllrd In noun.", I ~~l" m" chOOllln mlh Ihl. rmlnd h, ,rdl~ln. Ih. J'lIIICII"I owPd
.ndtr 1M Nr>ltor h, m.klnl' c1lrf'<'ll",mfTIlIn ""',n.", If. "fllndf"lucn rrln.lrtl, Ihc ,tdlkllnn.1II ht 1".lrd .,.
,.ltI.1 ru'r.,m,,,I.ilhl1l1l.n, rrrr.,mtnl eh".fllndN Ih, Nr>I..
U. I nt,I.11ect AlI'tfU" !Ill."'. R'''I.. " ,n.rlm,nl fit' urlrlllnn nt 'rrUelhl. II.' h.. Ih. ",..1 '"
",.drlln. .n, I'fflvltlN'l "'Iht Nfll, m Ihl, !\f'(Ullt, Intt'IIn1,nl UM1IIl'lf(tlhlt !K'en"tln,ln It'I''m~.1 'ndff, .1 It. "filion,
tn" ,tqulrr Immrdl'I' rtymf'nlln full nI .11 111m' >>fill'" h, Ihll ~11I1t, 1"""lm",1 ,nd ml' Inn." ,n, "mrdl..
I"'IIIllItd ttr rt'.I"rh If, If 1"'11" u"rlflt'Ilhll t>p11Mt, 1 ,nel" Ihllll.h Ih. .1'("'1 'r'""I"rd In Iht IKMII rt"I"r" rI
l'I"I"rh 11.
.... NlltkH, An, notlrt 111 ftn"o.., rr"Ildttl ff" IlIlhl. ~1IF1t, tn~l,unl'nllhllll ht .Iun h, 1l,llvrrlnllllll b,
",.lIInl II h, fI,,1 tI... m.1I UII,"I Irrlluhlf! II. '"11.11," .... '" .noU", ",,1~1. Thc nnlk. ,hili hi Ill'Kltd In Iht
r""",I, ^dd,"' nr .n, ",h" .dd,," ""fin." 1l"I,n.I'" h, nnllct In trnrl,r, A", n",lt, In I ,od" .h.1f hi II_In h,
1,.1 clll' mill 10 I,"dflf'. .dd,,,,,ltllrd h'f,ln", In, nth" I14t,II,..1 ,nd" ct",l,n.I'" h, IIntk.ltt ftn"o." An, nnllt.
ptrwlMd ru, In IhllSKu,lIy 'nllrunltnllh.1I htdrrmrd 10 h.". bttn ,Inn 10 ",'11m." or Irndrr .h,n ,I_,n" r,o"ld'"
Mlhhpl,.."rtr,
I!I, r..'ftllllll..";l't""h1I1I,, Thl'~lIrll, In,I,um.nl ,h.II.....nvrr"td h, f","II,...nrI Ih.I.. 01111.
,lurhcllrllon 'n .hkh Ih. r,"f'I"'~ I~ 1or,1,,', In Ik, ,w.nllh'l .n, 1""_'~lnn lit CIIIlV nf IhI, ~ulll, In,luI""nl nf Itt.
N"'. mnftkl. .lth 'rr1k.hJ. I.., luch cnnlllcllhlll nnl .fr<<1 nt"" r,n"ltln", ",Ihll ~II,II, In_llllm,nl nf Iht Nnl.
.lIkh "" "'111",,, rfl"fC'I.llhnul Ih. cnnfllctlnl rrnol,lnn, To Ihl, ,nd Ih, r,n"t.lnn' of Ihll !ftlllll, 1"'IIUm,nl'"'' Ihl
Nntl".dftl.,td Irthl..-"aNr
If, JIM..-,," C.", norrn." .h.II'" ,Iun nnt ron'nrmffl cf'J" ttf Ih. Not..nd ,,(Ihll !\rcu,U, In,lntmnll.
11, T"...rtr.I I~. "IIf"I, 1M . n,INfI.I.1 ",I"n' I. liMn..,. 1f.1I n, ,nr 1""' nf I'" '"'I"fl, (I' .n,
"'Ifttlll" III. Wd nt ItlMf."rd (n, Ifl hrrnffttllllnlt,..lln flMrnWf' Ilanl.l n. I"n,f",,, .nd """nw" I. nnt. nlhll.1
pttIOft) .lU~noll."""'" rrlM .,llltft ('""wnl, I ,nllrr m", .Ilt. ,.,.IIM, ,rqul" Immrotll" pI,""nlln "'III", .1I.um.
WCII,td "" Ihl, ~lIrll, In'lIllm",l, IIn.._rr, Ihll nrdon .h.1l nnl lot urrtl"" h, 1,IIdrr If .It'cl" '" r,nhlhlltd h,
'rdM.I..... nf III' ".1.,." IhI, !\tcurll, Inll,,"","I,
If ....'"1" ...,cl"" Ihlll1rll"ll, lAnd" 11'1.11,1_. """nw" nntln ",1C'nlff.llon, 1h, "ntlt. .hlll J'f"wkl.. rt,lNt
Gln....lh." )l'jd.,. from Iht dll,lh. Milt. Ildrll,,,'" n, m.11rd .lthl" .hlth nor,"." mIl'l rl' .1I.um, ItfU,rd h,
IhhSfta,lt, In'''II,",nl_ ., ""',n." ,.11, In rt, I"'" a"m' r,1N 10 Ih. "rll.llnn C'IIlhl' rt,lfwt,l ,11I1" ""' In""" .n,
,ttntdMtl"rmllltd hr Ih"!\ftIl,It, Inllru"",,,1 'IiII1t~0,,1 fUllh.. IW>lk'rIf....m.nrlnn l1nr,nw".
II. "Off,,_,,'. 11"110 Ihl.tlll.. Ir lk>I:rl." mttlt rtll.ln c""dlllnll~, nlll'l1'4''' Ih.1I hlu Ih. II,hlIO h._.
.nrMII:."ttn' nflh~ ~u,ll, '",I,lIm,nl dl.ennll"lltd.1 III' tlm. rll,,, Irt Ih. fI,lI" rtf' (.) ~ d.y' 1M ,1IC'h nth" 1",lnd..
.rrtlc:.h1. I.. "'., lrare'" fOf' ,rln,lll.m,nl) l>rfOl' ...1. n( Ih. r'nr"rl, r'lUlllnl In .n, rnw~r 111,,1, C'onl.lnrd In Ihl.
SteIl,II, h..IIII"""I; nr (hI "'I', nI. Jud,m,nl ,n'ortln, Ihl. !\KIll II' Inlllu""nl Th".., c""dllkWIl'" Ih.1 ""',n."1
(.) 1"" I.tnrtr, .11 .um' .hlch Ih,n ."uld ... dll' untl" Ihll !\tc1l,11, In'l,um,,,1 ."d Ih. Nett. hid '"' Iffflr,,11nn
GC'tlturdl (1J) C'If" .n, d,r,lIh or .", nlh" rn'lfn.1I11 n, '1",nllnl'l (c) r'" .11 c.rrl'l.... IMII"'" In ,nfllftln. Ihl.
Srn,II, 1"'11"",,"'. Ineludln.. hili nol: IImll'" 1ft, "."",.hl. '"ntn,," ftHI Ind (Il) ,.... IIlfh IICI"'" II tlnd.. "'"
".II)ft.h1, "qulrt In "'Uft Ihlllh. II... of Ihlt ~Ilfll, 1,,'llum,nl. I ",d,,'1 ,I.hll \" Ih. r'''II''I, .nd nn"o.,,'.
crhIll.linIt It, pi' I~' auml Iftll'''' b, Ihl, ~.,IIJ In,lrum,"1 ah.1I c""IIIIII' unch."I.... """" IIln'I.I,m,nl h,
lItntm.", Ihl.~",lt, I"llrumtnl.nd Ih.nIllI,"IM, worl"td "trrfl, Ih.1I ,,,,,,.1.. ,,,11, ,fI'Kllu II If"" !tC'ul,,,II..,, h.d
0<<:11',", Ih,.,,,er, Ihl. ,llhlln ,tlnll.l. .hlll nnllrrl, In Ih. ra'" nf 'N,I".II"" IInd,. rlt"flrhl I J Mil,
iOOi 913 fl&l GCl
CONVF.IlTIIIU; MtM IUIJMt
...,.,_..C"l
TH'S cOfot'tf'. TlII.I Anl.IUIII" "'... Ifll.\11h. "" III _All'JUJJ__.. "II__.M 1.1",,,,,,,...1.11111I11.11I
thin he ......... III.".,.... ......I,I"fk_N 1M "'""".,..I1rrr1l ,.. ,,,,.1 '" :k(IHIl} fk',f.,tw. ~Nl/lII, 1"..,"""'11"" r>f.he 11- d,"
,1'1"" " lhe ""'I'M:~II~ ".onCWi"~"1 '!1<<~ 19"0-"" fM'I'.ftlhl. AI'" Nnltlltw 'NIM'''I hI
1~.u.ltJ6nI!Q.Un9!iit"'1!9~.__--...J....-----~_.lltw 'l.tlllk,",
of'" 'W4t~ 'If.::~~,:,: r.t'-1,' ~:~fC ~':-,'1':'llm.-...... ,.",."
j.,,,,.,,,."""'''1
AIet,tnHUCDtlJUIf"II. .....wIlIollI.'...te"."...'..Il4.',.'...."'"M....',,'1w ~t(\llll~ I.., 1nI_1l1. 1.".,01..11.11II L....,'lHtht'
N\'flIIIlI "'" It'" .. ,....~
A. INTr.Rr.~T RATF. ANII MONTIII.V rA'/MF.NT CIIAN(;F.S
tUI"OnCOHTAINI PlOVISloNS AUOWINn 'OIll'IIANOU IN 1IIP.INTU.....
'ATI ANn Tllr. JlIHNTIII.V 'A\'MfNt, " ll1P. UH"un un INuu~n,
IO..OW"" MONfll1.Y P"VMF,NTS \\1I1.."lIIrmU." ,"..INJUnT un
tl/ICIUlIflI, In..ow",'" ~ION'IlI.\' 'UM'NTS \\1111. "I LOWU, O~ 1111
tllANnl PAf'.llllllrrclfl'.P ,nnW. IHI..OW'.. MA\' ('ONY'..' 1111
APJUIlU.... .AU tOAN I!'\ITO A ,."'0 RAU, uyn PA't'M'P\I" ruU.'t'
A~'o.n7,INO I.OAP\I.
11w t"ntt po".....'OI III 1"111.11"",.,, ,.,. of 7 .'00
pI,_"" It ffll~..:
.. IPfTlIlrJlT IATI AN" MoNTtII.V p"VMrNT CIIAN(;U
tA~ C1l1tf11t nlf"
Thllntt~ t'" 1,,11I,.., "", .1I.n,. onlhe nr'ld.~ of ..pt..h.r
ffWMlh .....11", 'Mh II... '"' ..hl,h m~ Inlrr'" ul. et'IJld rh!>le I. tllI.d.
OJ, lheNnttJ'"l~ldtlrOICh.n't'''IIMI".t''.I"Ht.ttdlhttrllMl.hI'
,II!...., IlId'onlh'ld.~.~,ry ~Ih
"rllln,' Ollie"
1_' t....,....
.."IMI". ...IIh 1M n"l 01,,".. O~~,,.,~ Inl.,,,, ,.It "III tit hl'(d nn.n Intln 1'ht "Indn" 1.lhr 'n..I, '~'C1." ,1e"1 nfI
\I,.lIrll ~'II" '",'Ury If(lflll'" ,dJUII,d hl.,onollnl "'lIIlUh~ IIr ~~ ,u'o, I' mi. 1....lI.hk ",1M rrrtr"I".\t,It
I...,d. tht Jt.ntIItt'tJl\ Indu II,utI ,ull.hl... nl lhl dill' H tll" tltr"'l nch (hu,t "," II nlltd ItIt 'C.,,,,"llndrl,"
1f1"'lndt, hllCllnnrr' .~.II.hll.lht NoI. 1101&, ..lIlchorl\t .M...lnMI ...hlfh', hltc,1 IIrnn (fWl1r."ttI. Inrlw,,"11nn 1he
NeI. II"'" .1Il11~. '"' Mlln nl Ihl. clmln,
Ie) C.k...tII,,,!If Ch,"'"
IIrfrM' tI,h 01.". 0.1.. lhe NoI. 1I111dt, ....11I nlrwl.1I my M"" Inlnt" nl' b~ IIftU", tvo an41 50/l9!--
~,ftl... p"ntl l~ "I In Ihf C""lnllM~', 1hr NoI, IMrttr ..III Ih," UlUM I'" IUIIII nf Ihl. IddlltM hi IN 1It"..t
OM.llhlh nf tIM ,.,UIII'I' mint If),US'' Tbll ,nulldfd "I'lnu"I...1II tit my lit... hllm" "I~ "nlillhr 'lul ('''~nrr Illlt
nw N....llnldt' ...llIlh," drltl'mhW the .IlW"lllnl' flf lilt nlfln,hI~ I'lyn..nllhlll""'lJI,' ~ 'lIlfidtn'ln Itr'Y Ih~ fIIhttlr.ll.m
'.IWCIIII"ntW "Ihtr.h.~,t f)." In run fin Ih. m.lu,llyd~It II nlyllt.III't"lI'l..tlll~lI"'I."II.I1) (qll.1 r.)1tW'1II1 1hr ,,'lIlllIIlhll
uk.III"",.1II ht lhe lit_ lmoll"l"f my monlhly ".,nwnl,. .
IOJ '"'III~. 1lI1. nI ChI"."
My 11...111I'''1' ,.ft..1lI Nt""" tf(.cIIYf fin ,lKhCII.n,. O~lt I...lllrty lilt 'Im"UlllllflllY M'" rnnnlhly rl)'""nl he,I""ln,
"" the "rtl \'IIM1hly ,.)'m.n' dill .n., Ih. (h,",1I Oil. unlil,he Im"lIn' nf my Pnllnlhl~ rl)"""1 chi"'" .,.1"
(..) "'''kt'' Chilli"
the Ihl4, IInIMI...1II Mil...""' m~lIln"", . IWI4lc' "' .ny rh.lI,e,ln m~ 11I1.1t,1 fllr .",1 Ih. ,,,,,,,'"10' m~ ",""lhI)' ,.)''''''114
""(1ft II" .rlhth. d.1I nf '"Y ,h,"" Tilt IWllln ....11I 111(1"...111101"1,'1"'1 !fqlll"d"~ I..... '" tot ,1",," nit 'M ,1,,, Ih, 1111, '''''
telt""'""' nltt\'lhu of. 1'I,,,'n ...hI. "III."I"~' '''Y qlt~o""" I m" h~'..t ",."II",,~ "".Iet If 1m,)' rnll'''' m)' '''All'' fl'n~hkd I"
1St"...... , flf ,hi. ",,,,.. 1M I'IoIln ....m .1'" IndlHk IN fnUn_ln, Inruflflttlnn'
tit II" nutl IlIlt".1 ,." t "m r'Y If I chnnlt '" 'lII\~t" "" In.,, 1111" . nud III.er..' ult k1,"~
tlU 1M .mollnt n' '"' ""... ",,,"II,I~ r.,"",r'l1 ,llhI n.td "It flf Inlrrrd; ,",1
llln .dllr, lIlIiII rnn,'lhr'ln I' d~~,fln'" 1M ,hit IN nntlt~ I' ,lUll, II)' "lIlchl mllll ,lftll" 1I11i1.ltllvrrlnl ,,,,,,,,.dnculIIC'tt1
"'lilt 'OfftIlh" ulldrr m" "qlll" .videMI". d" ,"""iliull"" nf'''' Nnt. I" rrnvhk'IIf. Oud Illlffl,1 ,U.
B. CONVr.RSION TO FIXF.IIINTF.Rf,STRATF.
~
:iJ
2
".. NI'ItI .I,n rrnwldtllhc linn"""" .n ortlnn let 1000~fllllI, .lilu."h', lit, In.n Inln . Owl Inlt",1 1111 In.,, II rolhl"":
s. CONVr..SION to flX'.O INnU~T ..\11.
tAJ .., (}piN I.. ('0""'"
('lII,ht ~,.t anll .ub~.q\l.n't _O'r'I,. f)11t1,..1 ",.~t1I'W'rtlht ..111I".hl, ,." 'nsnlwhlrllt.r1b, IhltN""ln'"
. nud 11I14,nl fer. 1ntII 10 hr rl,lly rrr.1d I" tuhll."IIIII, f'1l1.llIIfIlllhl)' r.)'mrnll nr rrlnclflul."d Intrr'll O~tr Ih. '1",.llIlr'I' II'''' fir
.......
<<". .., "u. ....", l"tI,,,,.rtd M",,'hl, P.,mrnl' "
III chortt"lil(""~'" I"' nltdlnl"'" raI'. 1M N..... n",dr, .111 wllM 'n,;....'t (If I"";"; 'hJI will ,.~", "I' ,qll.1 IG the
"191 nlll) 1M "ctr..lllnnM' I...." Mnrl,.,. Cnf1"I'flllim'lll'lIIllrtd Nr1 Vif'4Y" M.d., dch...,,~ not )0')..", nH'd tilt rnn(I,""
.~.II'" .., ...)', pr"" ,.llhfo 0'"" 0..."" ....hl.h' 'IIrth. m, npllon," c~~ht,'lu~ lilt "ltn .1,1I1t11 rtf IWIlI ptnfllll'l p"I"1
,,)1''11 II "" ,,"" '''''Illrt'd N.I Vltld 1I,,,.II,hl.. ,tit ~.it~ Il"hlt~ *111.'.'J1/"~I"," 11M nud IlIltlrlllll" hy It.ln. 'll'If'IIfl""''' n,Url
TIw ",'" n.,rllrtt"... "" .11I tlrtnnlt .rr.,II.., on the CII"",, "," tin whlelll ~'fV&6 '0 I flltd Inltlft' ,,"
. 11M! Int.'Ut. rllte vtll not M ct",na"d hy ,""fill thAn ....~..~.~rrttnt..~ rotnt'\!WoMY
c~e dAte. 1'tWI new tnt.rut ute 1,,,,11 not ffC"~"!lIfI. tn A u.. ,r~II~_..r \h,," ...,.... .IIbnvtJ
im,.UWIllA.llll.f'."V.t~.\, I...;. ,.llln8 ~L,.I"""IoI"P/llll!.~--nt or,l/1O Indo.
iliOA 313 rlt! GG7
./.......
.., '"
I
CONVERTI8LE ARM NOTE
c -No PI)'mrnl C.pl
'J"
~
TIllS NOTE CONTAINS rROVISIONS A....OWING FOR CIIAN(;FS IN MY INTERF.ST
RATE AND MY MONTlILY PAYMF.NT. II' MY INURESI' RAn; INCRF.ASF.s, MY
MONTlILY PAYMF.NTS WILl. BF.IIIGIIF.R.IF MV INTF.RF.Sl' Ro\TE IlF,CRI:ASES, MY
MONTlILY PAYMF.NTS WII.I. BF. LOWER. ON TIIF. CIIANGE DATF.tSI SPECIFIED
BELOW, I MAY CONVERT TilE AIlJUST.\8LE RATF. LOAN INTO A FIXED RATF.,
LEVEL PAYMENT, FUI.LY AMORTIZING I.OAN.
AUGUST 11 , I~ .M- New Cumber land
ICil~1
pennavlvanta
ISh,...1
15 Old /ItonehouUl Road, Carliele. PA 17013
, IPn'r-'n~ ^,Jdn,""1
.. BORROWER'S PROMISE TO PAY
In relum for .Io.n th" I h.ve received. I promi,e '0 pay U.S. 5 57 .600.00 IIhi. an1<1unllHalled "prlntlpll",.
plu. in'ere... '0 the urder or 'he Lender, The Lend,r i. HARRIS SAVINGS ASSOCIATION
I undenland thai the Lender may tnln!\rer Ihi~ Note. The Lender or anyone who takc~ lhb'l Nl)IC by trun!lrcr and who is enlilled (u re<<lye
paymenll under ,hi. NOI' i. called ,he "No'e Ilolder,"
2. INTEREST
11I,erell will be char,ed on onpaid principal on"I,he foil amounlor principal ha, be,n paid, I will pay in',r"'.I. ywly ,"ie or
7.500 %. The intcrcsl rilt: I will PIlY will c:hanBc in accnrd.-nc:e with Sectinn 4 or this Nule.
The interest rate required by this Section 2 and Sec::iun 4 ur Ihis Nole is the rale I will pay both bcrur-c ilnd areer :my ddault
d<l,ribcd in Seclion 8(B) or ,his No..,
J. PAYMENTS
IAI Time and Pia.. or Paym'nls
I will pay principal ,nd inlClCIl by making paymen" every monlh,
I will make my mon'hly paymcnll on the r;nl day or ,ach monlh beginning on .l2l;tober 1 , 19.8.lL. I will m.ke
Ihese payments every month until I have paid i111 or the principal and intere~t and any other ch:dric!i described below that I may': owe
undellhi. NOle. My mon'hly p.ymenl\ will be applied '0 inleres! before principal. ILon September 1 .2018 .1
)till owe amount! under this Note. I will pay thmc amount' in rull on Ihal dale. whic:h hi c:alled the "mlllUrit)' dare."
I will make my mon'hly p.ymenll.1 Second and Ptne Street a
Rarr1aburR. PA 17101 0' al a differenl pia" ir ,equired by the NOIe !Iolder,
(8) Amount or My Inlllal Monthly Psym,nl.
Each or my inili.' monlhly pay men IS will be in ,he amounl or U,S, 5 402.76 . Thi. amounl may chanK..
IC) Monlhly Paym,nt ChlnltS . ~"
ChlAngu in my monlhly paymenl will reOc:cl changes in thc'thc interest rale thai I must pay, The NOIC: Holder will delermine my
new inlcrest rate and the changed amOURI or my monthly paymenl in ilcc:ordanc:c with Seclion " or lhi!i Note.
4. INTEREST RATE AND MONTIILY I'AYMENT CIIANGES
(A) Ch.nge Dlln
The inlcrest rate I will pay may change on the lint day or ~.l'r.ftIhIlllY' 1 , 1<89-, and on thai day cvcryL2-th month
therearrcr. Eac:h d::lle on whic:h my inlerc51 rale could c:han,c is r.alfed a "Chao,e Dale. '.
(8) The Indu
Be,lnninl wilh ,he finl Change [jale. my interell.... Will be baled on ,n Ind" , The "Inde,' i'lhe weekly avcrage yield on
Uniced Stales Treasury scc:urities adjusted to a con!tant malurity uf one yeurs. as made availabll.: by the Federal Reseoe
Boord. The mo,. reeenllnd.. r;,ure ..ailable as or the da.. 4~ day' berore each Chanle Dale I. called Ihe "Cumnllnde.."
Ir the Indu i! no longer available. the Note Jtolder will choo~ II new in<iu whic:h i, blUed upon c:(\mparilble inronnali"Jn. The
Note Holder will give me nOlice of Ihis choice.
(C) Cllculallon or Chan."
B~ore each Chan,e Dale. 'he Note Holder will..leul... my new in..re" 'ale by addingTvo and 50/100
pere,nlO.e points ( 2.50 'ilo) 10 the CUlTenl Ind... Th. No.. Ilolder will Ihen ",ond the ""oil or Ihi. addllion 10 Ihe n..re'l
one.eighth or ont\! peKcnla,e poinllO. 12.5%). nli~ rounded amounl will bt my new inteR!1 nit unlillhe ne~1 Chin" Ollie.
The NOle Holder will the!n delnmlnt: the! amounl or the monlhl)' pa)'menllh:u would M ~u(ficlC:nllo rfpllY the rnnciplllllm
upecled 10 owe al the Change Date in rull on the malurity date at my new inlere!1 rJtC in ~ub~lanlially equal paymen.s. The ruull of Ih,.
calculolllon will be the new amount or my monthly paymenl. *
NUL T1STATI CONY'''''ILI .lAM HOT'-3 0' 5 v.., 'r...ury Indoll (No ,.""'ftt c.,... ,~, 'q"'l '.....~~ 'H\.MC lJnHonW ....tNf'lMt
,I<
EY.. ) \ IR'T Pc>
1\1) 111..'\.\1 U1h.'U."'1 f,ll\.' \.\olllll\.'l.:llllll..'elteLII\C 'H1eJLIl"--Il.lIl~l'IJJIL' 1....1111',\)' IIII..' JllhlUllllllllIY n.:\.\o r1Julllhly P,I)IIIC'lll bcVHlIIllIK
un lhe fir,. munlhly paYllle-nllJ31C' arrer Ihe Chan,e Dale unlillhe amllllnl IIr Ill:' monthly paymenl ,:h..nie~ allain.
IF.I NUlln or ChuRn
The N,n~ JfllhJC'r will &1<Ii...('r." mail III l1\e .3 nnll&:e or uny chan,llcli HI my inlcrC'\1 r:llc and lhe amounl or my mnnlhly paymenl
hdlH~ the drecli\lC' dar~ or any chan(le. Thc nOllce wllllncludC' lnrnnnillltll1 required by luw hI hC' plven mC' .:and al50 Ihe lille and
telepholle numhcr or a pcr'\On wh" will iJlH'tNer any que\tillllllYlay ha\lC' regardll1,llthe nol;cC', If I Ill,.)' (_In\'C'r1 my I,)an JS provided In
Section 5 or Ihls No Ie , the nollce will also Include the J'l'lllo\N1nl.l in,.,)flnaIH,":
II) the nxed anlerest nUe I will pay ir I choose 10 conver1 my loan inln a Ihcd inl("re\1 ralc loan:
Iii) the amounl or my new morlhl)' paymenl III Ihe fixed nJle or InlC're~l; and
Hiil ad:llc. notll1ore Ihan 1.5 ',hays rrom the Jale thc ntltice i" i.l-ivc:n. by which Imu"texeculeand lJeliverlo Lender IIdocurncnl
in Ihe (orm Ih31 Lender lIIay 1'C4uirc cvitJencin, Ihe mtldifkj,lliCln llf the Note fo provide rur a fi.lled inlcrest ralc.
5. CONVERSION TO FIXED INTERF.ST RATE
1M My Opllon to Con'..1
On ,h. f1rat and eubuQuent Chun~u 0;".1\1. I m,y con..n ,h. .djuSI.bl. r".loun ..id.nc.d by ,hi, NOI. in'o
a nxcd InleftSl nale loan 10 be (ully rtPllid in subMantially (4uul monlhly payments or princlpalllnd inlleresl nver the remaininglerm or
Ih. lo,n.
(Bt My Find R.t. or In I..... and MO.lhly Paym....
If I choose 10 convcn 10 a lixcd inlercst rolle, the Note ~hlldcr will "el the lixed roUe tJf intereSllhac I will pay OIl il rale cquallo lhe
,um of (i) Ih. Federal Hom.lu,n Mon~'Be Corpora,ioo', RU4uir.d N., Yield for 6O.d,y d.Ii..ry of )0 y"', n.ed r.'. mong.ge,
ilvailable 4.5 days prior 10 Ihe (,hanse Dale on which I elll..'rl"i'e my nplion 10 conven. plu" (ii) three.eillhth'\ or one percenlage point
(.:\7.5'K), I(no such R~4uired Nel Yield is OIvil.ilable.lhe NUIC' Jlllldcr "".ill determine Ihe fhed inlcrcsl rlJlC by using II comparable figure.
The new fixed interest ralc will becume erfeclive on Ihc Chan@:e Dille nn which I ennloen 10 a Ihcd inlerest r:lle.
My monthl)' paymenh allhc new nxed inleresl ralC will bc~il1 as or the lint mOnlhly paymcnt after IhC' Chiln(!e Date on which I
con\lerl. The mnnlhly payment will he Ihe JmOUnllh,1I is nece~sary 10 rcpay in /"ulllhc principal I 01111 e""pecled 10 owe alth31 Chang.e
Dale in !tubst;mlially equal paymcnrs on Ihe maturity dalc 1.11 my lixed inlerClif rlUe,
Ie) How 10 Con....
I( I choose to eon...cn. I will be required lu si@:nanddelivertothe Note Jlulder Ihe document e\lidcncing the modificillion or the
Note wilhin Ihe period !(cl in Ihe NOle Holder's nOlke as provided in Seclinn -1lEI abo....c. Ir I do nOI do Ihis within Ihe specified period, I
will not ha\le an nphon hI con"Crl unleu I can e:~ercisc anolher uprinn un olher Chanr;c Dales as indicl1led in Section .5(AI. In thai case.
Ihe inlcrc~c rate thai I will pay will conlinuc to adjusI in accordance Wilh S('clion ~'.
6. BORROWER'S RIGIIT TO PREP,\Y
I have the rillhl 10 rIllJk..: paymenl" or principal at any lime bc(me Ihc~ arc due. A paymenl or principal only is known 35 a
"pn:pl1ymcnc:' When I make a prepl1ymenl. I will tell Ihe NOlc Holder in writins lhat 1 am doing ~O.
I may make a (ull prepaYlllcnl orpanial prepayments wilhuUI payin1!: any prepaymenl eharg:c. The NOle Holder will use all or my
prepayments 10 reduce Ihe amount of princiPllllh.1l I owe undcr lhi~ Note. Ir I mJ~e:l partial prepaymenl, Ihere will be no changes in (he
duc .lilies uf m)' monlhly puyrnenh unlelis Ihe Noec Uolder ayrce~ in wriling Itllho,e l:hanges. My p:mial prepilyment will reduc..: Ihe
amounl of my monlhly payment~ arrer the nnl Chan8e Dale rolluwin8 my panial prepayment. However. any reduction due In my
panial prepuymcnl may be (Irf\(1 by an inlere~1 rale incrculic.
7. LOAN CHARGES
rr a law. whit.'h ilpplie'\ 10 Ihi" 10ilO and which ~et~ ma:Cllnum loun charge" j, nnally inl':rpreled ~o Ihallhe inlcre~t t"tllher loan
eh..rl:le~ cullected or 10 be c()lIc~lcd in cunncclion wilh thi, Inun eXl:l.:cd the ~rmilh.:tJ limns. fhen: Ii) any !'Iueh loan charie !\hall be
reduced hy Ihe amnunr necessary 10 reduce the char~e h) lhc pcrmillcd limll: :Inll tii) any 'IJlm alrcad:, enllel,'lC'd rrom me "",hil:h
e.llc..:e,ktl pcrmilled rimih willllc rcfundclllo me. The NOlc Uohkr may chnn\~ In l11ukc Ihb rdund hy reducin~ the principal I uwe
under Ihili NOle or by making adirecl pil)mCnl 10 me. Ir a r('(un~ rl.:duc:e, prinCipal. the redUl':li~)I1 will be Ireateda~ a panial prepayment.
8. BORROWF.R'S FAILURE TO PAY AS REQUIRF.I>
IAI La.. Chug.. ro. Overdu. Paym'.I'
If Ihe Note: Hulder hil~ nlll recci\'cd rhe rull amounl uf any mnnlhly paymenl by Ihe cnd ur 15
calend..r day' ..(fer Ihe dalc it is due, I will pay a laic char~e 10 lhc NUle tlultkr, The amoUnltl!" Ihl.' \':nar!!fc will lx' ~. 00 ~~ 1)( my
uverdlk: puymenl or principal and i(1lCrc'il. I will pay lhi\ laic char~e promplly bUI IInly IInl'C nn citeh 1011(' paymcnl.
181 o.r.ull
I( J du nOI puy Ihe full amuunlllr each monthly puymenl un the dale II I' du.:. I WIll he In dl.'lauh.
Ie, Nolin or o.r.ull
Ir I am in ddaull. Ihe Note Uc.ltJer may ow.:nd me a wrillcn ntllll.:~ Iclljn~ me Ihall!"1 dtl nul pay Ih..: tl\lerdue amount tl)' J cenaln
dale. Ihe: Nor~ Holder may requirt me lU pay immediulcly I~A..' lull al1ll)Unl or ptln...ipul which ha... nil! hC'...n paid and dlllh... InIl:rc,llhall
o-.c un Ihol: "mounl. Thai dillC mu~1 be ill lea~l JU day' after Ihe- dale tin ""hll:h Ih... nulll.'e 1'1 dehver...d or mailed 10 me
~ 10) No We.... by 1'101. !lold..
Even Ir" al a lime: whl.'n I ;un. in dcrJull, Ihe NOle Jlold\,'r l.h)('i mil rC4uire m. e tu pay Immcdlalely In lull a' de'\l.'nt't:lJ "b4,vc. the
ole Jhllder Will ,'ill have IhC'JlllhllU dlJ '\0 Ir I am in cJdaull al a larer limc
.. The interest rate W{.J\ rr',b<!! changed by more th.an..,2.0.o. ~~rcent.".p.e points 06' l\rY
.-: change date. n,e new e~ rnte shnU not inerea!!e j 1', .,e gr!'nter thnn .. .'.~..
z ~~vW~~. initial inter st rate, Le. a ceiling of .1.J.',~\, reWlrclle!!" of Rny movement of
,. - ~-
~ ,.
....
-'
(EI !'Iym.nl 0' NOI. 1I0Id.r', Cosl. Ind F.....n...
n the NOle Ht)ldcr hll!\ required me In PU)! imn\cdilllcly in full iJ\ ..Jc\crihcd ahuVl:. Ihe NI)IC Uuh.lt.:r will h"...c Ihe ri~hllU he pllid
blilck by me ror ullor il\ "o~h and cxpcn\c:\ 10 the c..lcnt nnl prllhihilc.:d by applkubh.: haw. Thl1!\c ckrcn!\Cl'l include. fllr cllumplc.
rcu\un..blc alhlmcp' fccs
9. GIVING OF NOTICF.S
Unlc" ;lpplicilblc law require, jJ dil'[crcnllm:thtkl. ...lIl)l nlllil.'c IhI.lII11U\1 bI: );ivcn h) nll; under lhb NUh: will be ~i\lcn by
ddivcrint; it ur by ml.lilin~ II by lirs' I7la\s lI1i.1illU m..: at the Property Allure" ubi)"''': llr at J dillcrcnt i.uJdn:" if I ~iyc the Niue Holder a
nolice nf my t.Hrrcrcnt address.
Any nUlice lhut 11I1.1\' be given lulhe Nole Hulder under Ihb Nllle will be ~ivcn hy l11uilin).! il by 11,\1 cia" rnuillnlhc Nine "older
ullhe IIiddrcs\ ,Haled in Se.:thm )IA) above or al a dilTcrcnll1ddrc" it' I am l!ivcn a notice "I' thaI din'en:nl address.
10. OBLIGATIONS OF !'F.RSONS UNDER TIllS NOTE
If more than one ~nl1n silins Ihis NIIIC. each person is fully and pcr!'tonally ubligaled It\ keep all tlr the promise... made in Ihi5
NOle. includin~ lhe promise 10 pay the full u"WUnl uwed. Any p..:r...on who i~ u guurantllr. !'turely or ~ndmscr of Ihb Nuu: i!'llllsu
obli,lIh:d to do Ihese thintt~. Any ~rMm wholakcsuverlhc!'tc ubli~iJtit'"!'t. including the tlblilti.ltitm!'t uru ~uaranlt)r. ,un:lytllenduNCror
thb Nole. j:oi III~o t)bli~iJlcd tll keep all nflhe promhes mad..: in thh. NOle. The Nole Holder muy enrnn:c its ri~hh undcrlhis NOle OIl:ain:oi1
each p:r~on individually ,Ir lJ~lIinst all or us tC\Mether. This means lhal anyone ut' us may ~ n:quircd to pay all or the lImt1unt!i owed
under this NOle.
II. WAIVERS
I uno any olher person who has obligalion:\ unoer Ihis NOIc wai\lc thc rights uf prescnlmenl and mllice or di~honC)r.
"Prcsentmcn'" means the riihi 10 rcquire lhe Note ~hllder rn dcmund pllyment or amounls duc. "Notice or dishonor" means lhe rilhllO
require the NOle Holder tl) ~ivc Ol)fice tn other persons lhat amounts due hllvc nol been paid.
U. UNIFORM SECURF.D NOTE
This Note is a uniform instrument wilh limite.:t \luriations in ~ome jurisdictions. In addition to the pmtcctions given 10 the Note
Hold.r und.r this No,.. a Mortgage, Deed uf TruSl Of Securi'y Deed Uhe "Security In'\rument"). dated ,h. ,am. date as this No'..
prolects Ihe NOle Holder from po!S.sible lusses which might result ir I do nol keep the promisc!S. which I make in thi1 Note. The SecurilY
Instrumenl describes how and under whal conditions I mllY be required 10 make immediale paymenl in full of all amounts I Co'Ne under
lhis Note. Some or lhose condilions arc described as follllw~:
Trlnster of the Properly or I Benenciallnlerc!llln Borrower.lrall or any pan ol'lhc Prupert)' OI'uny in(erc~1 in il i,
sold Of Irllnsl~rrtd (or if a beneficial interest in Borrower is sold or Iransrcrred ilnd Durmwcr b nol a nalurlll person) wilhoul
Lender's prior wrinen consenl. Lcnder may. ill in oplion. require immediate paymcnl in full of all sums seeurcd by this
SecurilY Instrument Uowever, this option ~hall nol be ellertised by under if elterci~e is prohibited by federal law IS of the
dUle or this SecurilY Instrumenl. Lender Mlso ~hllll nol eltereise this op'ion in connecllon wilh any sale or Iransfer occumn,
prior tOll conversion 10 II (jlted interest r.tle ir: la) Bonower causes 10 be submined 10 Lender infonnalion required by Lender 10
eVlllulJte the inlended transferee 115 if a new loan were hein" mllde 10 Ihe Iransreree: and lb) Lender reasonably detennines Ihal
Lender's security will nbl be impaired by Ihe loan assumption ilnd Ihatlhe ri~k or iI breach of any covenant or I"rt'emenl in lhrs
Security Instrumenl is aceeplllble 10 Lender.
To the utenl permitted by appliclJble law. lender may charge a rellsonable fee as a condition 10 l..ender's constnl to
(he 10lln a~sumplion. Lender may also require Ihe uansferee to siln an as'iumplion asrcemenllhlll is acceplable 10 It.m!er.:md
Ihal obli.ales the trJnsferee 10 keep all Ihe promises ilnd a~rcement~ made in rhe NOle and In this Security Inslrumenl.
Borrowtr will continue to be obligaled under lhe Nole and this Securily InMrumenl unle~s Lcnd~r releases Bonowcr in
writin,.
I(Lenderuercise, ltleoption to require immedinle paymenl in rull. Lender shall.ive Bonowernolice of aCl:'eleration.
The notice shin provide:l period ornolless IhiJn 30days from Ihe dale lhe nolice is delivered or mailed within which Bonower
must p,y all sums secured bylhi\ SecurilY Inslrumenl. Ir Bonower rails lopay these sum~ prior 10 lhe eltpiralion Oflhi'period.
Lender may invoke any remedic, permiucd by Ihis Security Insnument without runher nOlice or dem3nd on Bonower.
WITNESS THE H^NOCS) AND SEAUS) OF 1lIE UNDERSIGNED.
.~ JP /~
o:.~~
Paulette H. Ruff
"~-
(Seal)
. 8ofrower
(Seal)
. Borrower
(Seall
. Borrower
ISi~. Or;.,,,,,1 0."1
N lj~~~\t~
".!:I:, ~"llh "I'llIl1d "":'111'1"1
II{), Ho\ 1;.11
I liII'lIShUI'I!. 1'I'llII"yh',II11,1 t 7111,-..1 ;11
i 1 ; I:~;\l i. .111-11
September 9, 1996
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
Paulette M. Ruff
35 Old Stonehouse Road
Carlisle, PA 17013
Dear Mortgagor:
The MORTGAGE held by the Harris Savings Dank (hereafter we, us, or ours) on your
proper1y located at 35 Old Stonehouse Road, Carlisle, PA 17013 IS IN SERIOUS DEFAULT
because you have not made payments of $514.04 for the months of June, July, August, and
September, 1996. Late charges (and other charges) have also accrued to this date in the amount
of $88.38. The total amount now required 10 cure this default, or in other words, get caught up
in your payments, as of the date of this lettcr is $2,144.54.
You may curc this dcfault within TIIIRTY (30) DAYS of thc datc of this Icttcr, by paying
to us the above amount of $2,144.54 plus any additional monthly payments and late charges
which may fall duc during this period. Such payment must bc madc either in CASH,
CASHIER'S CHE.CK, CERTIFIED CHECK OR MONEY ORDER, and made at any of our
offices.
If you do not cure the default wilhin THIRTY (30) DA YS, wc intend to exercise our
right to accelerate the mortgage payments. This mc.lns that whatever is owing on the original
amount borrowed will be considcrcd due immcdiately and you may losc the chance 10 payoff
the original mortpge in monthly installmcnts. If full paymcnt of thc amount of default is not
n",.lc within THIRTY \.\0) n,\ YS. wc also intcnd t" illstru~t our attorneys to start a lawsuit 10
flllCdll.IC y"ur n\lll'l~al:\'\1 plopl'll). Illh,' l\lllltl'~II'" is 1"'Tl'~hlS,'d. ynur nlllrlgage property will
1)(: iII,hI hy Ihe sheriff III pay 011' Ill\' 1Il,"II'''~'' .khl. II In' I,'k.. y"ur ,'~\sc In our attnrt1eys, but
you cure lhe default hcfure Ihey hegill legal prm;cedings againsl YOII, you will still have to pay
the reasonable attorney's even if they arc over $50.00. Any ~llorncys fees will be added 10
whatever you owe \IS, which may ~Iso include our reasonahle emls. I f you cure the default
within the THIRTY (30) D^ Y period, you will not be reqllired to p~y ~llorncys fees.
t:.~t\\(~lr C
----
. ~
-
.. .-_. -,. .'~ - "',., .......-, ~ .'- ..... ...... ~'~""'~,"'~. ...,~ - .,.........- .--..,. ~-
-".
We! may also sut you pu.wllally fa/' Ihe Ullpaid pr//leipallmlana alld all OIha sums due
under lire mortgage.
/fyou have nnt CIIrl'd Ihe drfaull wilhilllhr Ihirty day paiod (//ulforrc/o.wrr proCC'l'dillgJ
have bl'gwl, you JliIIlwvr Ihe righl 10 CIIrr Ihe drfill/II allilprrl'e/ll Ih(' .wle 01 any lime up 10
one! hour before Ihe .rllu/fT.r filrrcfO.fllre .wll'. You may do .why payillg IIIe IIIwl (U/lOIIIII of Ihr
unpaid momllly paYlIIl'nls pl'Lf any laIC or orha clwr/ieJ IIIell dul', ILf rI,e reasonable allomeY'J
fet's and COJIS C01ll,ecrrd wilh Ihe .!orrclo.II/f(' .wlr (a/lll f'rtfonll allY OIhrr rrquirl'1/lrlllJ Ilnda
Ihe 1II11/'I/ia/ie). It iJ I'Slilllal<'d Ihm Ihr I'arlir.ll ",III! Ihlll .filch II .1"e/,/fTJ sail' could hr hrlt/
would be! approx//II(lIl'ly Marcl, 5, 1997. A lIolicl' of Ihl' dalr of Ihr .lha!/J's sale will he selll
/0 you before Ihe sale. Of CO/US<', Ihe lImollllllleedrd III cllre Ihr drfaull will inereasr Ihl' IOllga
you \Vait. You lIIay find 011I at allY ti/lle aactly wlwl Ihe rl'quired paymelll \Viii be by callillg us
atlhe fo//owillg number: 232.6660 r.t/. 292 or 1.8(}()'554-4572 I'.tl. 292. This paYlllrnt III/1SI
be in CASlI, CASll/ER'S ClIECK, CERTIFIED CIIECK OR MONEY ORDER olld modr payable
10 us at tire addre.f.f Jlaled abovr.
You slrould realize that a shaiff'J .rale will elld YOllr oWllaship of Ihe mortgoNl'd property
alld YO/II' righl /0 remain ill il. If ytJlj cnlllilllW ro 111'1' ill Ihe properlY li(rer Ihe Jher!/J'J Jail!, a
lawsllil could be starll'd 10 I'vict you.
You have acldil/ollal rig Ills 10 hrlp pmlrcl YOllr illl('lrJI ill Ihe properlY. YOU 11.4 VE TIlE
RIGIIT TO SELl- TIlE PROPERTY TO OBTAIN MONEY TO PA Y OFF TflE MORTGAGE
DEBT. OR TO BORROW MONEY FROM ANOmER LENDING INSTITUTION TO PA Y OFF
mls DEBT. (YOU MA Y flA VE TilE RIGIIT TO SELL OR TRtlNSFER THE PROPERTY
SUBJECT TO TlIE MORTGAGE TO A BUYER OR TRANSFEREE WlIO WILL ASSUME TlIE
MORTGAGE DEBT, PROVIDED TIIAT tlU. mE OUTSTANDING PA YMENTS, C/lARGES
AND A7TORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR lIT mE SALE. AND T/lAT
TIlE OTflER REQUIREMENTS lINDER TIll: MORTG,JGE ARE SATISFIED). CONTAcr US
TO DETERMINE lINDER WI/AT CIRClIMS'/iINCt:S I'fII.\' IUG/lT MIGIIT EXIST. YOU /ltI vI:
TIlE RIGI/T TO lIAVE Tll/S DEFAun CURED BY ANY HIIRD PtlRTY ACnNG ON YOUR
BEIIALF.
/fyou cure Ihe drfault, Ihe /IIorlgage will he rl'sroml iO Ihc Sllll/I' POSilioll as ifno default
had occurred. However. you are lIolc/IIillrd to lhis rigllllO curl' your defilllltmore Ihall Ihree
timeJ in allY calelldar year.
Sillcerrly your.f,
J. W. Shader, Jr.
CollectionslREO Manager
JWSIsjc
,
Wl! may also SUI' YOII ptwmtllly for 11r<, III/paiti prillciplll balallCt' a",i all ollrer slims ,im'
under lire mortgag<,.
if you IIdVl! lUll cured lire d''fallll \Villrillllrl' Ilrirty day pcriod (lllllfilrl'closurt! proc('t!dill)(J
have bl!gun, you slillllave lire rl)(11I It! wrl' lire dl'fallll ,,1/,/ prt!venl IIr<, sail' al allY Ilmt! Itp 10
Ollt IIour btfilre IIIe sllalff's filrl'clo.wr<, .wl,'. YOUII/oy do .w by {loyill)( IIII' lotal atnOllnt of lilt!
ullpaldmonlhly paYlI/tn/S plll.l allY lalt! or OIlra clwrll<'s Ilrl'l/ due, 'Ll 11r<, rl'lLWlloblt aUorlleY'J
fus and COSIS conlll'cll'd witll II/I' filr<,clo.!Itrl' .wll' (all,i p,'/form allY OIlrl'r rl'qulrl'tnelll.l IIl1der
Ilrl! mortgogt). 11 is tSllmmedlllal Ilrt! l'arlll'SI dOle Ilrol .well 'I .llrerlJf'J soie could be IrI'Id
woultJ be approxlmattly Marcil 5, /997. A 1I0lice of Ihe date of 111<, shtritrs .rale \VIII bl! Jt!1II
10 you btforl! Ihe salt. Of CO/lrst', IIIe all/oulIIlIl'l'dl'd It! cure Ilrt! dl'fill//I wllllnaelLlt IIIe 10llger
you wail. You may find oul al allY lime exaclly IVllalllle required paymenl IVill be by callillg us
allllt following nWI/ber: 232.6660 1'..t1. 292 or 1.8()().554.4572 I'.xl. 292. 71liJ paYIllClllmllsl
hl! ill CASfI. CMIIlER'S CflECK, CERT/FIED C/lECK OR MONEY ORDER 11/1(1 II/atit! pllYllblt!
10 us allllt atldrt!ss Jlatcd above.
You Jllould realiZl! Ilrlll Il.llrcriff'.! .!IIIt, will el/" your oIVllaship of IIII' mnrtgaged properlY
and YOllr rl811/10 reII/o ill ill il. If YOII COlllillltt! 10 live ill lire property ofttr lire J/lrTiO's Jlllc, a
lawsuit could be .liarit'd 10 t!vicl you.
You IIal'e addilinllol rigllls 10 IIr1p proll'CI YOllr il/le/'esl ill IIII' pm{lalY. YOU IIA VE TflE
RiGIIT TO SELL TIlE PROPERTY TO OnTAIN MONEY TO I'A Y OFF TilE MORTGAGE
DEBT, OR TO BORROW MONEY FROM ,INOTIIER LENDING INS7'lTUTlON TO PA Y OFF
TlIIS DEBT. (YOU MA Y IIA VE TilE RiGII.,. .,.0 SELL OR TRANSFEU TilE I'ROPERTY
SUBJECT TO T11E MORTGAGE TO A nUYEI( OR TRANSFEREE WIIO WILL ASSUME TIlE
MORTGAGE DEBT, PROViDED TIIAT ALL mE OUTSTANDING PAYMENTS, CHARGES
AND ATTORNEY'S FEES AND COS7:\" ARE PAID PRIOR TO OR AT TIlE SALE, AND TIIAT
TIlE OTllER REQUIREMENTS UNDHR TilE MORTGAGE ARE SATISFIED). CONTACT US
TO DETERMINE UNDER WIIAT CIRCUMSTANCES TIllS RIGIIT MIGIIT EXIST. YOU flA VB
TllE RIGUT TO flAVE 71I1S DEl-iIULT CURED IJY ANY HIIRD PARTY ACTING ON YOUR
BEliAl_F.
If you cure lilt! "I'faull, lilt! mortgage wil/III' rl'JlOred 10 Ilrl' ,Wille posilinll as if IIn dl'faull
'/(/d occurred. 11owt!ver, YOII art! lUll I'lIIilh'd 10 l"iJ rig'" 10 Cllre YOllr dl'fOlll1 more IIItllI I"ret!
limt!J ill allY calelldar year.
Sillcerely YOllr.!,
./. W. SlIm/er, Jr.
Colll'cliolls/REO MUllOger
JWS/Jjc
You may be eligible for nn:lnclalas.~lstance that will prevent foreclosure on your
mortg:lge If you comply with the provisions of Ihe lIomeowners' Emergency Mortltal:e
As.~lslance Act of 1983 (Ihe "Acl"). You may he eligible for emergellcy lemporary
assistance if YOllr derail It has been callsed by circllmstances beyond YOllr control, YOII have
a reasonable prospect of resulllillR YOllr mortgage paYlllellls, :ll1d if you meet other
eligibility reqlllremelll.s estahlished hy lhe Pennsylvania \lousing Fin:lnee ARency. Please
read :III of this Notice. It cOlIl:lins :111 expl:lIIalioll of YOllr rllthls.
Under the Act, you arc entitled lo a temporary stay of foreclosure on your mortgage for
Ihirty (30) days from the date of this Notice. Dllring that 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 pllrpose of this meeting is to attempt to work Ollt a repayment plan, or
to otherwise settle your delinqllency. 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
take place for thirty (30) days after the date of this meeting. The name, address and telephone
number of our representative is:
Stacy Armstrong Collection Counselor
Harris Savings Bank, Second and Pine Streets, P.O. Box 1111, Harrisburg, PA 11105
(7:1)-232-6660 exl. 293 or 1-800-554-4512, exl. 293
The names and addresses of designated consumer credit counseling agencies arc shown
on the attached sheel. It is only necessary to schedule one face-to-face meeting. You should
advise this lender immediately of your intentions.
Your mortgage is in default because YOII have failed to pay promptly installments of
principal and interest, as reqlnred, for a period of at 1C.1st sixty (60) days. The tot.11 amount of
the delinquency is $2,144.54. That slim includes the following: Payments of $514.04 for the
months of June, July, August, and September, 1996 plus a $25.00 fee for a returned check and
late charges totaling $63.38.
Your mortgage is also in default for the following rc.1sons: None
If you have tried and are unable to resolve this problem at or after your face-to-face
meeting, you have the right to apply for financial <Issist.1llce from the Homeowner's Emergency
Mortgage Assistance Fund. In order to do this, you mllst fill Ollt, sign and file a completed
Homeowner's Emergency Assistance Application with onc of the dcsignated consumcr crcdit
counseling agcncies listed on thc attach men I. An application for assisl.1nCC may only be ohtained
from a consumer credit counseling agency. The consumer credit cOllnseling agency will assist
you in filling Ollt your application and will submit your completed application to the
Pennsylvania HOllsing Finance Agency. Your application mllst be filed or postmarked, within
thirty (30) days of your face-lo-face meeting.
,
YOII IIIny be elil:ible rOI' financial asslslance lhnl w',1I prevenl rorec1osnre 011 yOllr
morta;age Ir you comply wilh Ihe provislollS of Ihe lIoll\(,o\Ylle.~' ElIll'rl:ellcy MUl11:a~e
^s..~l~tance Act or 19lU (till' "Acl"). VOII lIlay Ill' ('Ii!:ihle for elllel'~ellcy lemporary
llSSl~tance ir YOllr dcl':l\Il1 hns hel~1I callsed hy dI'CIIII"lalll'es beyolld your cOlltl'ol, YOII have
l\ reasonahle prospecl or r('slllllill~ yOIlI' IlIo..l~al:(' paymellts, a III I If YOII lIleel olher
eligibility requlremellls eslahlished hy the l'e.lIlSylvallia 1I0llsilll: Fillallce ^I:ellcy. l'le:lse
read a\l or this Notice. It cOlllalns :111 explanation of your I'll:blS.
lindeI' Ihe Acl, you arc elllillcd 10 a lemporary slay of foreclosure 011 your mortgage for
thirty (30) days from Ihe date of Ihis Nolice. During lhal lime you musl arrange alld allend a
"face-to-face" meeling wilh a representative of lhis lender, or wilh a designated cOllsumer credit
counseling agency. The purpose of this mceting is to allcmptto work out a repayment plan, or
to otherwise sellle your delinqllency. This meeting musl occur in lhe next (30) days.
If YOII attend a face-to-face meeting with this lender, or with a consumer eredil
counseling agency identified in Ihis notice, no further proceeding in mortgage foreelosure may
lake place ror Ihirly (30) days after the date of this mceting. The name, address and telephone
number of our represent..llive is:.
Slacy Armstrong Collection Counselor
Harris Savings Dank, Second and Pine Slreets, P.O. Dox 1711, Harrisburg, PA 17105
(717)-232-6660 exl. 293 or 1_800-554-4572, exl. 293
The names and addresses of designated consumer credit counseling agencies are shown
on the allached sheet. It is only necessary to schedule one face-to-face meeling. You should
advise Ihis lender immediately of your intentions.
Your morlgage is in default because you have failed to pay promptly inslallments of
principal and inleresl, as required, for a period of atlcasl sixty (60) days. The tolal amount of
the delinquency is $2,144.54. ThaI sum includes lhe following: ['aynlenls of $514.04 for the
months of June, July, Augusl, and September, 1996 plus a $25.00 fee for a returned check and
laIc charges lotaling $63. J 8.
Your mortgage is also in defaull for Ihe following reasons: None
If you have tried and arc unable 10 resolve Ihis problem al or after your face-to-face
meeting, you have Ihe righllO apply for financial assistance frum the Homeowner's Emergency
Mortgage Assistance Fund. (n order to do this, you musl fill out, sign and file a completed
Homeowner's Emergency Assistance Applicalion wilh one of the designatcd consul11er credil
counseling agencies lisled on Ihe altaclul1enl. An applicalion for assislance may only be obtained
from a consumer credil counseling agcncy. The consumcr credit counseling agency will assisl
you in filling out your application and will submil your completed applicalion 10 the
Pennsylvania Housing rinance Agency. Your applkalion must be tiled or poslmarked, within
thirly (30) days of your face-Io-face meeting.
I
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