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McCABE, WEISBERG AND CONWAY, P.C.
BY: TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
First Union Building
123 South Broad Street, Suite 2080
Philadelphia, Pennsylvania 19109
(215) 790-1010
Household Finance Consumer
Discount Company
961 Weigel Drive, P.O. Box 8604
Elmhurst, IL 60126
v.
Barbara A. Reisinger
353 East Fort Street
Shippensburg, PA 17257
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Attorney for Plaintiff
Cumberland County
Court of Common Pleas
Number -<000 - II;
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CIVIL ACTION/MORTGAGE FORECLOSURE
NOTICE
You have been sued in court. If you wish to defend
Bgainst the claims set forth in the following
pages, you must take action within twenty (20) days
after thh complaint and notice are served, by
entering a written appearance personally or by
attorney and filing in writing with 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 proceed without you and a judgment
may be entered against you by the court without
further notice for any money elaimed in the
compLaint or for any other claim or reLief
requested by the plaintiff. Vou may lose money or
property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR
LA WYER 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 HELP.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
(717) 249-3166
AVISO
Le han demandado a usted en la corte. Si usted
qui ere defenderse de estas demandas ex-puestas en
las pag;nas siguientes, usted tiene veinte (20)
dias de plazo al partir de La fecha de la demanda y
la notificacion. Hace faLta asentar una
comparencia escrita 0 en persona 0 con un abogado y
entregar a la corte en forma esc.ri ta sus defensas 0
sus objeci ones a Las demandas en contra de su
persona. Sea avisado que s; usted no se defiende,
la corte tamars medidas y puede continuar La
demands en contra suya sin previo aviso 0
notificacion. Ademasf la corte puede decidir a
favor del demandante y requiere que usted cumpla
con todas las provisiones de esta demanda. Usted
puede perder dinero 0 sus propiedades U otros
derechos import antes para usted.
LLEVE ESTA DEMANDA A UN ABOGADO
INMEDIA TAMENTE. Sl NO TIENE ABOGADO 0
SINO TIENE EL DINERO SUFICIENTE DE PAGAR
TAL SERVICO, VAYA EN PERSONA 0 LLAME
POR TELEFONO A LA OFICINA CUY A
DIRECCION SE ENCUENTRA ESCRITA ABAJO
PARA AVERlGUAR DONDE SE PUEDE
CONSEGUIR ASISTENCIA LEGAL.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
(717) 249-3166
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McCABE, WEISBERG AND CONWAY, P.C.
BY: TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
First Union Building
123 South Broad Street, Suite 2080
Philadelphia, Pennsylvania 19109
(215) 790-1010
Attorney for Plaintiff
Housenold Finance Consumer
Discount Company
961 weigel Drive, P.O. Box 8604
Elmhurst, IL 60126
Cumberland County
Court of Common Pleas
v.
Barbara A. Reisinger
353 East Fort Street
Shippensburg, PA 17257
Number
CIVIL ACTION/MORTGAGE FORECLOSURE
1. Plaintiff is Household Finance Consumer Discount Company,
a corporation duly organized under the laws of Pennsylvania and
doing business at the above captioned address.
2. The Defendant is Barbara A. Reisinger, who is the
mortgagor and real owner of the mortgaged property hereinafter
described, and her last-known address is 353 East Fort Street,
Shippensburg, PA 17257.
3. On August 24, 1998, mortgagor made, executed and
delivered a mortgage upon the premises hereinafter described to
Plaintiff which mortgage is recorded in the Office of the Recorder
of Cumberland County in Mortgage Book 1478, Page 292.
4. The premises subject to said mortgage is described in the
mortgage attached as Exhibit "A" and is known as 353 East Fort
Street, Shippensburg, PA 17257.
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5. The mortgage is in default because monthly payments of
principal and interest upon said mortgage due October, 1999 and
each month thereafter are due and unpaid, and by the terms of said
mortgage, upon default in such payments for a period of one month,
the entire principal balance and all interest due thereon are
collectible forthwith.
6. The following amounts are due on the mortgage:
principal Balance
Interest 10/99 through 1/14/2000
(Plus $14.91 per diem thereafter)
Attorney's Fee
Cost of Suit
Appraisal Fee
Title Search
$54,488.90
$ 2,131.99
$
$
$
$
2,724.45
225.00
125.00
200.00
GRAND TOTAL
$59,895.34
7. The attorney's fees set forth above are in conformity
with the mortgage documents and pennsylvania Law and will be
collected in the event of a third party purchaser at Sheriff's
Sale. If the mortgage is reinstated prior to the Sale, reasonable
attorney's fees will be charged based on work actually performed.
8. Notice of Intention to Foreclose as required by Act 6 of
1974 (41 P.S. ~403) and notice required by the Emergency Mortgage
Assistance Act of 1983 as amended under 12 PA Code Chapter 13, et
seq., commonly known as the Combined Notice of Delinquency has been
sent to Defendant by certified mail on the date set forth in the
true and correct copies of such notices attached hereto as Exhibit
liB. "
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WHEREFORE, Plaintiff demands Judgment against the Defendant in
the sum of $59,895.34, together with interest at the rate of $14.91
per diem and other costs and charges collectible under the mortgage
and for the foreclosure and sale of the mortgage property.
~a.~. me~
TERRENCE J. cCABE, ESQUIRE
Attorney for Plaintiff
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VERIFICATION
The undersigned, Renee Turner, hereby certifies that she is
the Foreclosure Specialist of the Plaintiff in the within action,
Household Finance Consumer Discount Company, and that she is
authorized to make this verification and that the foregoing facts
are true and correct to the best of her knowledge, information and
belief and further states that false statements herein are made
subject to the penalties of 18 PA.C.S. ~4904 relating to unsworn
falsification to authorities.
~Cftc}JlQft
RENEE TURNER
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o IF 1I0X IS CHECltllD. nlls MOII.TGA-GE IS AN OPEN-END MOIlTGAGI! AND SECUllaS FllT\.III.n ADV ANCES
THIS MORTGAGE is made this 24TH day of AUGUST 19 98 . between the Mortgagor.
EDWARD A REISINGER (DECEASED)
BARaARA A REISINGER
(herein "Borrower"), and Mortgagee HOUSEHOLD F I NANCE CONSUMER 0 I SCOUNT COMPANY
a corporation orllanize<llil)d ellistiI1& under the la1l'S of PE.NNij,YLYAN I A ; ", .whose address' is
25 GATEWAY OI'?IVE, GATEWAY SQUARE ISUI TE'3fu:i'':':'MEilHAmt'SBO!lO , ?A 17055
(herein "Lender").
The followillll paraJraph preceded by a checked box is applicable.
m WHEREAS, Borrower is indebt<ld to Lender in tbe principal .~m of $ 54.858.75 ,
~nced by Borrower's Loan Repayment and Security Allreement or Secondary Mort&age Loan Agreement dated
AUGUST 24. 1998 and any exlet1Sions or renewals thereol (berein "Note"). providing 1C>t monthly installments
of principal and Interest, inoluding lUll' adjustments to the amount of payments or the contract rate il that rate is
variable, with the balance of the indebtedncas, if not sooner paid, due and payable on AUGuST 24. 2028
o WHEREAS, Borrower is indebted to Lender in the principal SUm of $ . or so much thereof
as may be advanced putSllMlt to Borrower's Revolving Loan Agreement dated and
extensions and renewals thereof (herein "Note"), providing for monthly installments, and interest at the rate and ~nder
the terms spec:ifiad in the Note. including any adjustments in the interost rate if that rate is vari.ble. and providing fora
credit limit atated in the principel Gum above and an initial ad,.anee of S
.0 SECURE to Lender the repayment of (I) the indebtedness evidenead by the Note, with interest thereon,
including any increases if the contract rate is variable; (2) future advances under any Revolving Loan Agreement; (3) the
payment of all other sums, with interest thereon, advanced in accordance herewith to protect the seeurity of this
Mortgage; aad (4) the pedortn/1I1CC of the covetl1lnb and agreements of Borrower herein contained, Borrower does
hereby mortgage. grant and convey to Lender and Lender's successors and assigns the following described property
loeated in the County 01 CUMBERLAND Commonwealth
of l'ennsy\ vani..,
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MORTGAGE
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All 1h4t certaIn pro~&rty sltueted In tha boro~gh of Ship-
pansburg In th. county of Cumberland and Commonw.alth of
Pel')l"IsylYAnl6~ being more fully desorlbsd In a fee 5lmpl~
daad dotad 0311~119B5 and record.d 03121/1eB5. among tho
land record$ of the cc~nty and state set forth ebov8, In
Volvma 101-21 Page &29,
Tax Poroel ID: 32-33-1861-007
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TOGETHF..R whh lfll [h~ iTT\pI;"Qv~mon~ nn?' ')" hcrel:l.ftt::" craJ:t;q.O WI'!. th~ propcn,L ;'1l1J 01]1 ~a~Cml!'!"l1,<:'. r;ghr~:,
$?pv;"t~n;:l.tH..:e~ <lnd rent!:, 0.11 (Jr whh:h gha!1 b~ d=.;:m;d tv be Ii"'..! rl;m::lin i:I ~r: of r.h~, :pt"o~rty "-=""e1'C,'';! b.~" thi6.
Mc~rtKi:lgc; ilInd all of tho; foregoing, co:c::~her WL th said prorx:rty erg -::hl:' !~:a.r.tc'hni.u. wtatl,! H 1hir. \In''tg~ge l~ 'n.. ...
j~~s=hold) arc hl!:;::"einsPter retcr:"od to A$, tht: '.Prc)~f'ty."
Horrowe-r C:OV!!l'lant$ tn.(\t Botf(~\A.c" i!'; \.awhlll). cd~d vf the ~3ta'tC t-.c:r~by .;onvcyed .!Lf'ld h:1~ '"/l~ righr. tC- m('~.gi:l~C,
grant at':d t:V1t\ll::l)' the :Ptopt::rty, <.1r'ld thAt the p:rQP'llrt:r is uncm<:u'(ubu.l'~~. C::;\l.;Cpt for C:OctlrT\hntm::~,!, nf re<'uru, korroll'e-t
(.;u....(,;n"r.1;s that Bor:'ow!:r willrr.<J:Hs and will d.ef<:mJ J.lencf'~!I~' Th~ T.irT~ to 'the ?:-(.t~rt.r :.Ig.";r:.sr So:! d.:L.irn::; ;",nd der'n~.i.nd5,
suhjc:ct. to en(1)rT\ nnnces: of :'I!l'cord.
t.:i'\:IFORM COVE~ANTS. Bo:-rowcC' :)ikd Lemd<;r (;OVCi'lll.I)t 8nd liI,gro;:.;! a.$ followl'i;
1. Payment of Principal a,,<, IntcV'csl /:lIl Villd~ble Rates. Thit:: mc,n~ag~ ~ecut'~~~ ..di p:.l}'m~nl::: of prinr.:j~J;o! 1m"":
i.n~eres",; du~ ('m /'I, ":'ri..N~ rate l....~il. The COnt.......:t nl!l; of jnter~st and paymt:'1"lt itt"":OU1"l't::; mar be ~\Jbje:;t to ChOJl1J::C i\S
prov:Ced tn ~hc Note. BOi:"OWo/;::"$ ,.hall pJ'OI'nptly p;.lY when dUli; 1iI11 o'l.mO\..lnts requircd by lhe: :-':v~e_
2. FUud~ rOT Ta.1te.;'li: and Jnsut'2Incc:. Subject to .&.pplic\'bh: l<Jw e,r t..aiveT h}' l.~nn~l". Ht;'lrroWe:" r;.~,a!t p:.l)' t(J L~noe..le('
on the: dli}" mont-hIy pa,rfficrHS of princtp.:tJ and im(:l"e!'l;! :ar~ p....).ablc und~r ~h~ :,'Qt..:, un"il t1"-,e ;-":vLI;! :'" paid in full, a
$t,,:m (hereln RFund....") e'l~l...j II) c>ne'twelfth u( th~ ycu],. ttl~~!:': and ~1ii;'ssme1'lts (indll.ding; c:ondo(r:i(l:lH:1 l1.:-'(~ pta:"ll"l.Ccl
U:li'r. dltv....loprT'u:!()t ilssl;:'.....mctlts. if ~J1Y) ......hil;h rn~}' attliu prlu("hy OV~( thi:; \1onl:.~e~ :"I.u<J ~rou,.,d ref't.. "Ill ~~... P('c';:..;rty,
jf .auy, pill::! onc:n:\:,>,aif::h t)f y,=a.l'ly l,H.cmiurn in.'!'lt~l1ment!'> ~O1' ha&.;trd in~Llr9nG0, f::ltue; one-twe'!fth of )'~~::r.rly r:"~m;..,rT'.
i~~t31Im~lIt~; for mo.:-:gagc Lnsut'fJl~L:~. it <<n,y. all ,&s t'ea~.n:~'1lbly t.."'Stimatoo ini'l:i.)!lY ;;lOr;. from time ll.1 time by i,t.::f,Jer ot',
rh~' ~$i~ I)f a~S<...9gr'nC'nt,. otnd ~.iJJs and (e>a.!:on:'lH~ ttCo'dmllte3 tnec"e61. HQt"t"OWCf S.h.dll n<.:lt be o~,1i~a"~ ((J rn..~;~ sud'.
pOrcTg.n'ts of FWloC.b tf" 1,(:n.j~.( tC, the (;"'~~IIt. t.hM Borrower l'r'l~k~t- $\I~I: p~.;.-'l'":;'\t:;fH~ to th~ hr)IOl::lr of a prief' rnVf'tgag~ (J!"
det:d (Jf tru~~ if ,~vl;h ho;dC"r it's :-sit im~\jt.udun!ll lender,
It Bu.rrowt:r pa~',!'; Flll'htr,. U, I.~nder, the Fut'ld.!l; ::;h<l11 be ndtl in ~=l irt.<;t\tm;\,)n thl:' d~po:::it:.; r.lr .u';<,;OWH..<:; of \\:tlch ar.e
in~llro:!d Of' .e\Hlr;&Il't~~d b>' a Pedet':ll or ~t..tl; .ug'G1iI.'l)' (indl.ldir.g Ll.lnc.cr jf Lc:nd!:r i:; :;~li:h ~n i:bticuticJf!i, Le:-tdcl' ~h;,ll
ap'(>ty Hv~ F\mds ~o :>a.y .!;Bid ':a~t:!':., "~'<:".:';$m'Gllt~, LmH:rl1tll..:>:!! flJ'~'ir.ivfYl~ ~~}u lll"u;"md n::nts. I-"mdt:::" m:l.Y npt ,~h;'ll'r;'.~ !or ";L..~
t'H)ltJing and ap:=l)'il''l,& t/:'le: }\:nds, arl<:i.I}'zing ~aid. ar.;coutJ[ or verifyint. a:ltJ c,:ompiling said :l'l!k.......~m~r.t!.= and bill::, ll....l\!'~::;
i,clll...kr plly~ B<:u.rr,wer ll'!.;r:=re,<n "'I~ the.: Fl.lndl; .;And ~P?li~.::&bJIi:' La...... p:rmit$ Lt;;ndc.:r (1) m,)~~ ::uC'h 0. ch"'r~, Ro:"(ol':t:;1' an:!
Ll.onc:~t' m.o!t.y ;lgr~ in ",.t'jr.ing ~t thli:' tlrrH~ (It" eX~\Jtiot\ (,)f thi:; t-..1ortg&gc- th;:st interc,;,.t (.In the Fl-IH..b :'>ob~,l; b~ p::w.l tf.)
B()l"'t"ower, ;'~('ld 1.l:".IC:lo\$ ~\J~h llIsrl:ecnent llO m3ld~ or i:lppli(.;a~l~ law rcqui,ex :-;w;;h inTe-reSt ,u be P.b;d., f.Cf!dt':r "h:..11 CH"t t-.""
!"c~uj,t:d to ph~ BOl"'I"O'~'c:r Iln)' i:-tt.;rt:st or cll.((ljn~.!'~ ()t1 U1C:: FunOR. T .coder .,,;1-...11 givi':;' to BOl"ruw~r. wa"'H.)ut <':!'Ia!"~~~. ~!i.
ZUlHWtJ ot.:.:C'::l'lHl'Cin.g of thli:' FUlid!. $hr.H'dng credit:~ :ind de;:bHs: to the r-urtd!l ,tnd the:: p"'\l'pO~l: fOr \o.:htc.:h d'~<:h d".bi~ ~~l thi::
r-,md... W;.Il': m$d,:,. ThO:! F\Jmls ;.r~ pledged 3D :\dc.1itiona! ~ecurit}' fof' tbc S\lm", SC":l.lr..:d br thi:; ~1'.nJ:a~c-.
J~ 'the 3:'1'l~'UIH (,,IF thl; Funds h<.;ld by Le;n.cJer. tr.l~~her with the fl.ltvr; moulhly i1~!':tallrnt:'I'lts of t'\Jnds p;:sy;.!hk Pf'~or to
the <J.'...tc d~1.t:!'; of \ax~s, asscssmcnt~. i1\.~;I.lI;";Jn(,,:c prt:'mi~r"ng ....,.,<.3 ~round :"ent~, 1'ltl:1tl L:xC:l:ed th<:': amount l"E:gl"H~<J ,0 P.::&i' ~l.;o;'J
[::l,(~. ~~~~;,,'imr:nts. insu:"'anc~ (.If'tlmium,,,, ;Jl\d gr.:Jund ren'''' ",,0: th-:)' hll dUe, ~vt,:'h ..;.;....s,; sho.a btc', "'" ROrrO\l.C':"'S op:.hlo:
~ith~J" f"trl)mptly f'Gpaid to F!()Tr6","=r Of" ct'cdited tu Hnrrt.1wcr on mo;)thb. ~nseal1lT1eOt5 of Fuwl"'. It Lh~ :!NU"'HIl1[ 0:. l~e
PuncJs l1t:-ld by L~nd.el" ....h~t:l not be s\Jffic:ir.:nt tu PJ!II}' tax>::s. a~$I::~i~ments. insurl:ln...c.:: f.1r'l::mj~lm~~ ~rd ground renl.<:, ,ao:. rhr:r
tl.1l1 dllC, Borro.....ot:r ~i}.').J; I'"'" tQ l,cJ'lucr ;:'11)' ;.lmount. n~I:!".."';:,rY 11'. m;lke \\p the deridel'l<.:)' in ('lr.~ Ol' mor~ ;'>>',rmc;H~ ::i~
l,t:odt:l" tr'IO!.!I,)' r~g~d!"~.
t1PUTi p.aYfT"l~rH in full of all ..\,Jmlio s~urcd by t.hi!l ~f()rtg:.lgc. Lendel'" ~h.,1l Pt\)l'np~lt rchmcl In nl"lrfl,,'\",:::;;' all)' fvwJ=:
held hr r.~(I.(Jt,;I'. rr ~md~r p;I;<.Iig["oph 17 hcr!:.nt tbl;: I"rop.::rty is ~cJd or the:: Pr....pc!'':)' ;~ Ol..h~twis.1: .a...qwit'~\J br Lt::nd~r.
Lcno<:r ~hl:ftl lipply, no li:l~.;r ihan imt'n<:,dj"ta;ly J,)rior lu (he sale of 'the r~rope(t~' Or \ls .>It::qll)l':itil,1:, b).' 1.lo'odli:'T, ..n.y !:Ul\d:..
t,~:d by LC:lJUer;H 'h~ ti me of applic3.tlclon .l'I!-;: A r::redit ag3i^s[ the ~t.lms $(;cut'ed by th~l'i: M()rtgagc.
3. Apphi:.::.HiOn ~>f .Pa~'met'llU:. H,':t:~pt f~)1' loan~ mad~ ;'l\,ICS\,I-1nt co Lht:: Penn~:)'j....",n;lI CO(l:3o,)rn~r Oi5~QUnt Curnp~ltl)'
A..':. .:.ll p;lym(:ri'l!: r~'c",iv=,d by J.#nder tJtldcl' rh-= NQlo and paragl'aph~ t 00100 2 het"C'of shan t>e ;.t"r>Jil:U l">r l.(.:~d~c !!r...~ i~
p\;t}mo;:nt of aml.Hlnl.,:\ ::O,"1)'<Jblc to LellucT' by 'florrower uodt:r pi:lt":IEr~j'lh 2 hel"eof, 'th~n hl :n~er(lst, S,l"l'.! ..h~n T~.. tl"I':-
pri nci~J.
4. Prit."ir :\rOE"ttage... AOQ. Dce-d of T:rulI:t: Chtoq;<:s:; ....ieo'", Borrow(;[' shall pe-rfm.m :JlJ (,r .Bo('ro\\'o;::r'~ obligd[;tW::l
u~dr,.\:" .:1t'l.) mnrtg.oa:ge. dee:d ur tr'l.l!llt, l,)r o~he(' secwri[y ;,l,J:re:;-ment with ~ li!::n which ha::> pl'i(n'j'!)' UVttT 1:lis ~h):-~.ellge.
ir'\.:I\Jding Ho('rowcr'~ (,,:()...t:n:ants tt.) nH,k(!' V""'}'ITl';lll.S \...'hen due. RtUt"('l......r-:, ~hl'lll pay or t:;su~ to be:: p:r.:d .all :3.'\et;,
C1SSes.smC(lL:~ :.II'l!j (.l(.h<::r r;h.arg~~, fiOeS ;)o,<J impositionr. tl.l1(ibvtablc to the: Prr.lperl.)" which may ::ltt;:S;l' 3 priOrity OVt::1;" ~his
Ml".lr::Si:lg~. 30nd l!:::a~,,:~hl')ld p.ilyme::n:a Of' I-~"oul'\d rl!)nt:>, ;f &oy.
$, H3:,!:l)E"d In.:nJTD.ncc. H(,l:'t'Ot':er .shll.ll kecp the llnpruvC!rnllmt:!o hOw c,,;t:Lin~ C..It h~r!:<Jftl#r :;:-r:::cc::d O'{: f.ltt: J.'rr.l~;,':'.,r
in~ur~d ~g.!li"I:H lol'l~ hy rir~, hilZ8rd9 itlU(!..lde;d .....ithin the: term "eJl;t~E'4~d coverage," IInd .'N<::h r.ftho:l'r hS.Z&t"<.JSl ;1':';: Lc.f"!<:l\l:l"
mOl)-. r<;;~w.Ln.::.
'(.he in::>\;(f;:"jt.:e t:11rrit':" pr"t,....Hjiog tl'l.C 1r\~urancO/;: 9-h.&11 be' cht.l~t:n by ~.r.e BClt'r..'.....eor :.;ubj~r.:~ to ~pprO'\'ll! b) Lende.r';
pro\'idtl~, t.h;\l su(;h approval ~h{l.ll :lot ~ unrclisofl.::l.bly .....ithheld. .-\11 iIlSVf;:mr.:e pali..:;jt;;S .md rc;ne;:w;,ls {h~reur sh511 be in
a fot'r"!'t }I...t,"c;;oi.~bro:: <.(.1 LO;l"I4ct and shall inc[ud-s; A ::T..:andJ,lrd mortgage cl"\.l~e ;n f$....o: of llnd in :t form. ::I;,;.~'cpt;.tblc to
J ..endc::r, l,e1,d<;:f' ,,,~h~jl h.wli:' 'hI;' right to huld the pnlit.:i('$ and tenew:r.l~ th~r<:=of. :wbjt:L't to l"'~ ':.~rM.S: f.1f a.n)' tT'.(')ng...~I:.
d~d "r trl;l'.t ot' \/Ul!::r !;t:l,;\lritr agrei!t.'mO:!l"t" with 1'I I.j~n which ha~ pr!.l:)f'i,.>. OV":::'c' thi3 ~lo!'t.lt~~=.
l,QI GINDoI.
...d4'78 rA~ 293
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toi,?mhi.q?~h 01 86L!.- 9~9 m::99ND!"iJ3S !D/ld)-ScoIH iJcoI 1..;:::80 00. S~ Ntli
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.
rn the cV'cn'f or 10&.{:l, BoN'ow.... shaU eive prompt flOt~.;: 10 the iNJur-Oln<:e t:2Imer- .:.and ~d,,=r. Leoder may mako proof
o~ 10S!!, if not mllde promptly by BotrOwcr.
. rf the Pro,pen:,Y is abandoned 'by BoN'Oww, or it' Dort'Q""er hils. to f"csp:md i.u LeC'lder witbip Jo days from the cia'!;;:
poticc i,; I'l'loailcd by I..cnder to Borrower tM'[ tho insurance ~4lTie:r offers to sct'U6 a c~aim for 1nsurarn;:e tJenefi~. Lend(".:f'" is
authorized. 11) oollcc;'t .nd apply tlLe iDsu;r~ Prooceds at l..erJder's Op~oo ~tber to 't'C$'tQt'atioo. 'Or repair of t.h!:l Pt'operty OT
~ the S""tr\S scc;:vrcd by thie: Morlp.,p.
6. Prc$ct"vatioQ .,od M.m~1lJK:oeI of F'fOJX:;f'lYi Leuchold$: Condorrti4iuOlS; Planned. 'Unit Dovoe!llopm.cJ)ts.
.8orrowet"' f<hall keep t.h~ Property ia eood tcPair and sha.U not com.mil: waste: '0(" pet'"mit ;tT'lpairm~[ at' dC'k:r1cr.ation of
the P'r-gpert)' o.",d. &han C:Ol;'nply with 'tbe prOvi:sions or lie)' le&:!;Cl it this Motts.age. it;: ~ a J~hold. If 1:hi~ ~ot'tgsgtl b tn..,
D uflit in ~ coodomil\iu.tn. ot a. planned umt. d.elvelopm=nt, &rrow~ shaH p:;ffoC'm all ot" Bo;;rowt:t"s obligations uno!'!!!'"
the declantiotk or C;:ovetlants !;re&.tlf.)g or. ,avenUes ,the fPondoM.iru,\'m .Ot' planned. unit ckoveloprncnt. the: b)'-lowe and
t'&gu1.'rionlll ot '(ht!:l condomiJ'\ium 01" plansv:d l,lcit dcvol0fll"O-ont. a.1'1d eonsti'l:u~t d.oc:uM.en:ts.
7. Prc>'teetioD of Lcndel"". SCl;:~rity. If "Bof't'Cwcr ta.i.h~ to perlo~rn th~ CO'\l"(:naJ\tll a..nd agreements contCtil"ib.:1 tn this
Mortgage. or it any ac;t.iQft Of" pl"OCeflding il1; <:omn't~ which tnaterially a!ft;:Ct.$ Leo.der~e. ifttet"c:50t. in the Frnp:rty, th/';n
Lender, at .t..end~'s opdon. upon l1ot1r;;c 11:1 Borrowo:t". m.ay make such appcarflnce8. disbur:sc such .::oms. :ifv;lvd.ins
t'CGSOnable attc~ys' r~. Aftd take $uch aodQn u is: n~q 1:.0 protoo:'t ~r'B inte~t.
Any ..rn,Qun1& d-isbU1"SC14 by Lender pur$"'*~t to thi.$ fl;At'agraph 7, with int.crcs~ thetoon. Zit. 1he ~Qnf.r.!.et t'8~e. sh:a.l1
~t\'\e additional indt:lh~ eof Borrower se<:ut'l!ld by thiQ. Mortta8t!:.. UnlC$S :&orrowl:It I.l.llId l.ctuk:r tlg.teo;. '10 o'thcr'
torMs of paym~t., such ilmOtmm wU bo p*ya'b1e ,~ noti~1Ill froM ~nd.er "to Bo1"t'O\Vef" R<(lK::Stine; peyme::;nt. th~f.
~-Q~hiftg c:Ql\uined ill). this pan.eraph 7 t;.hllU requir-e Lcnclc::r'lo i;t\cur &ny eXpcwoe or take ~t'l.y action hl!lr~under'.
8. Iu.spcc.tiao. Lcn&.o", tnay _~ or C"WSIc!: to b:I ~adc ~nablc l;n.t...~ai. IIp<:n'\ and i:o.~ions or ttV-: PropeTt)..
~ovjcied thai Lmd.ct- shall ,tivc Bon"'O'fI'I/"C::r' noti~ pO(),r to an)' S\lCh insp;ction specifying f"~abJ" ~#~ lher.efor
t"Ol~~ 'to. ~dor.$ in.terest in the Property.
9. CODd.~n'uurtion~ Tb.e ~ at any award ur cJtlim tQ(" damal;C(l. dit"oc; Qf" ~Qoscqur::ntial, i-n CQtn'\l!llCti01'l 'i'.'lth ;,ny
~ondemtJbbOn or other bLki~ of ,tJ'a,t!1 Propetll;Y. ()(' pan: thct'COf. Ot tot" Con....cyat\cc ion li.~u of ",ondemna\lon., 3.t'e hel"('by
aBSign.cd .-nd sba:U 'bCJ pa.i4 \Q Lender. $Ubjcct ~ ,:he terms of any m.at'tgage, ~ at "iUS; or oth~r l'lPCurity agr~mMl.l.
with 8 lion wnie-h ba$- Fiorit.]" over thi:,l; MO:II:"tc:a~.
10. Bocl"QWt;r Not Rele.SI!ld: rOI'1)earanGC By Lco.4cr Not... Waiver. Ellt&ns1on or the um~ rOt payment QI"
modifioation of 8l~oni.ZGti()o. ot the swm:. ~uf'Cd: .,by IhiR M.ort2.g~ granWd by l....on.Q~1" to 6n)' $UCCef:80r in int.dest of
Borrowet' shall not operate to .t'Ol~. .in. any rt'lanne:r. t:M liabilitY (If the original Bocrowet' and Bc>rrower-s SlJl;;;~I"~
i.tlI i.otere$t.. Lcnd.~ &hall no;' 'be ftq,uiRd to I;Or~Unlltl\CC proc;:oedi-ngs u.p..n.n s\II;b SUCCe5;O"!' or ro:.tl..lSl: 'to ~deod time for
pa.YMcnt Qf' oth=rW'i'$l!! tl).od.i(y *tl"\Or1boo.fiof!. of \ht:!! o.ums SClII:"ur"Cid by due MOrlgago by f'C:.$.SOn uf an)' tje!TIa:n.d made: by
tho W'i.u.n~l BoN'OVy-er ~d BorrQWE;t:"s 91.K:C1!!BBQn;. i~ interest, AtJ.y f'orQe",I"tl1)CC by U,t)Mt" in e~~t"c,sing any right or
rC!medy hercl.Jndcr. or or~isc .110f'dcd. by .sppHc.stlJe law, ~. not be .. wajver 01 UT ps-c;dvdo the;- (;1e:t'C.i~ 0' Al'Iy
such. right 0(" rl;!'mOdy.
it. SUccesSIon ..rQd AIild.8111s BI)u.:n.d: ,Joint allld Several Li.bilhy; Co-siC1)&f's. 'l'M covenanu. and: a,sf"oeemcnt$
he.t'ein containl!ld. shall 'bitl,<J. and tht!: rig1\'t:$ bercunder- $hall inure tot t.he ~tivc:: :n,K:Cel!ISOt"a and. a.&3:ifinB of LcndcT and
:BotfOWl!;f'. subp;t to the pro.....ilio~ Qf p6~rb~h. 16 here.ot. All r;ov~nts 4Pd. .erocmcn~ t)r Borrow=r $~aH be joint
and sevt;raJ. Any BarTowa' ...he oo"'$igns tN$ Mortgaea. but dOl.;S f)Qt elt~uto the Note. (8.) is t;ltCntiping this Mvrl,p.gc
only to. tnOrl,eagc, gran'[ and COnvey 1ta't '6ottOWcr'lS itlt.e:t'ea.t in the P1'o()CrC-Y to ~ under the t$f'1'T'l.B of this:
Monpltl:J. (b) is not pcn;onaJl)' liablo Oft "the Note Of un~t' this Mott,pzt!:. and (l.: l ajtt"~ tMrt Lender oncl :!I.ny o'ther
Bot'I'OWf;r hereund;:r may ~ to cncnd.1 modib. for-beat. Q'" M.ake .any other Sl;CQm m0d..8.tioM with regord. to 'the
tMI\"lS ot t.hi& Mortg~r or the: NI)1b whhOUl: tl'l~t BonowW'l$ consent aAd without releasins: that .8orrQwt!:r' Of' modihin.t;:
'Chit; Mortpw; 4l$ to that BOrtOwcr'$ in~ in me Property,
&2. NQ"ticc. Ex~-pt tor any C\oticc- roquil'Cd un_ appliC:-8-'ble 18.... 'to be: given in ~mo1.her ma.\"n,\er, (a) an)' na1.u.:.c to
.soz.r.ow~r pJ'ovjdcd tot' in :chis .~rtQ:a:&C :Mil be giVlO.Q by dclivwitA.& it OT by m.ailing ....uch notice by (;'e:nUl,ed molLH
9odd.T'GI.8ICd to lloffowcr at the ~ropr;rty AddcCR QT .&1 .such o'th,er address ..e Borf'oliYf:lr mllY ~ip'/lat,!; b)i nO"tice 1.0 Lender
as .Pt'V,..ided h~rf;;n, and (b) ~y notice! to Lende:-r' ~u 'be givetl. bY certiti~ mail to Lcmckr'e, ...ddr~ $uted he~~n t'lr- to
S\,K:h othw add~.as Lender may dcaiJ:Mte by nod.ce to BorrowM as provided hCf"Oln. ..t\ny .o.otice pr'ovided for in thh
MOr1$i'.&e sh.$lJ 'be!! d.e.tmod 'to .....vc bc:aJ. lJiveo. to Borr-owct' or Le~ when given in thl;!: O\::mn~r desi.en::Jled hc:t"cin,
13. Go'Vefilia.a Lur; Sevcr*bili1:Yt The state am1 l0t.7aJ It..W.5 appti~ablo to 'th;8 Monp.Ct' shall be 1.he laws of the
iw-isdilC.'Uon in whit:h the Property ;$ located. The foregoine $lt!n:tcnce z;:h..U not li-mit t"e a'PPli~~b;Lity of t".;:dcf":iJ.l1aw to
t.hts Mongaee. In the CM;:nt th.1t.t 6ny provi~ion or d.oU$8 of thil;. Mon.8a.jJ.C I:)r the Note. oont1ict.S. witb ~"plicablc; 1a'lll, 8VCll
conf1it:'t ahall not l\ffec"t ot:hQ- P'f'Ovisions. of this. Mortp&C Qf' tho Now whi~h CAn be ah'en .eftClCl: without the ~)f1icting
pf'ovir;.ic::n:\, and. ~ thi~ ~ the provisions of this Mortpp ..nd 'the No'tc: arc dcc:;l~ to be $e!lv~able. A~ v...~ hM'ein,
...coaw.... "cx.~" .a..."I.d. "attomey.~ tet::;a" include aU sum:s '0 th= =xti;lnt hOt pC"Ohlbited by 4?plica.bic Ia.w Q~ limited
herein.
J4. .8<wrowu.s CUPY... Bo.r.ro1"~r .'!lh.l!I.u be fumiBhed a c:onrotn"J.ed. c:op)' ot 'f~.Qtc ..n4.a( ~s Mortgage IU the- t..ime
of (l~t;(::ution or t!t<< rcoordadoo,._erd... ,. " ': . .80QI(~4;"C!'aGE, ~4
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07-21-07 M........ PA .,.,..",,-" ,......11.;....11...111 PMO,,,,
80/j70'd
j7~G106~S1G16 01 86[~ 919 0[99NIJI~~3S IIJ/ldJ-S~H ~~ 8c:80 00, S1 NUl
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lS. R.eh.,biliuti(")1'\ Lo.an .~gtc~.cnoe::nt. Born.lwer sh.r:ll fulfill n.1l of Borr<~W(!r's t)l)Ji&::I!;t)r)~ \JA::llO'r ,U'lr hoX\.;:;
rchahiI1ti\tit"on. impr'O\'eHTl~:1';;, repair. ot' Other lo;;n ".I;!'t;c:mt;:nt whi~h 81.1rrOWCt ~nt~f"S i:'Ho witt: I.ct,~Jer, Lc:nd&",' :.it
L.!:nder'.s: <:lptiOTl, ma)' r~q\.:ire: Borr-ow=r to C:<~c.:....te l".fld deliver to l.!:!;l~d.).l". \l'l U. 1'0,...,.. "'~t.:cpto.'e-\~ lV 1.cmu<tr, <1.r. a~~'if.r.~t.:"lt "'-
or an:' t"ii'1b.t~. c:[",irni:> llr defense.,> whi(~h Bnrrowel" may h3V~ o.~;linst pilrtic.o; .....h(. $UPi-'l.y labo~, mllr.e-:d.:-ll:!' Or N<::-\'jC...,l: \l1
~olll1.cctioli with imflro...~mt::n";s M.il.d~ lo the Pt'O~r~y.
16, 'r'l'"8.ndlt"t "., the- Pn)pe::rt).. If BOl"'r'tJw;::- sd!~ (lr tran:<l((;r.4.: ~ll (.r .!In..... ;>.:;i(t C)~. t!"1!:1 T.rQPc:-t:f ,.)r ,~J'I IOte-n::....c
th!;:r'#in. c!(clud:tlt: (4) thl;; cre2lth'1I\ or ::.. lil;tl or cnl:l.lmh~Ar'l('e ~uo..:I-rdin3le !u 'hi:; r-,'lof't;g:l!li;e, (b) a lr.>inS[-=f" t.H' ~e~'j!llo:'.
d~ef'lt. nr by opcra.ti()t'\ vf law upon tbl# decsth of <1 JOInt '::t:'n.:!out. (c) th'l;; J:rant (.)f any Je;_l~hold :t'lte:re'H nf T~lr"'~' y~O!lr~; or
l!:.".~:~ nOt conVSifdoF. :.J.!'\ optioo !4' pLlt'Ch;lse. ((i) the I-:rC:;/l.t.ion ~~t .. PtJr<,;hssc !':"lnn~y $t:"C1..rrit)' int~('"\!<!:';t for ho\~...~hQJ.j
;lppli.ancc..,,;, (~) ". tr;;n~r~r to a rc:-Iative< rcsultllll;:. t'r\'un the de3th. of ;;l Bo:"rower, (n ~ trotn:..!.::-r .....:-.ero;: ,1\;:; ~pt.>1.::;~ Of
<;hddren of t1:..~ B<.>rro.....-:-r b=~ol"t";~ ;to Ownt:l' or the ptO;X-l'ty. (g) S 1:t'~~rcr resuJt1!11o; i~.,f'rI a d:l.t.!::'~ of dis";fl:.:T;c.m C'lf
m~rri'!lgc, :e~i:t) ~~;.:'.,r.Hi()t'1 1'lgl'eerr,~I1't, ot' fram ::In inciCew.:ll propc::t't)' ,:>cHlelnca'Jl ,JI,Jt:r~ement, hi Whk':h the !'.'JXl'JSt! {)f tt'.<::
~'rr.O\"ie( b'!l!COnH::':': an O\\'r":cr of the prup=rt.r, (h) oll t1':Jns(er into an it'1tel' vi WI':;: rn.1S1" in .....t:k:h. thi3' Ut".o~/"l)W'.::r ,.<<; .~m.!
rl:HT"I.1.ins: 3. bc!n~nc;:isr'Y 3tld whic:h doe:!> not ...~la.tc: (C) /I. r.r.r1~'er of ri8h-=s of Cl(..~\J~n(':~' in !.h~ pH)pert}'. ~H (j) /to:')- I.lth=-:'
transtlO'r' 4>r disposition d=:<ll,,:ribt:lci in r~gulatjon~ pres.::-ibcd hy th~ P<:der~t Home:: l.(J':;"fl Ba::lk. BCI~rd. I~():'!'"f.twl:;r ~h:'l.i:
C:S\,.I~ tu bt:- submitted inr....rmatiur. n:qult~d by Lender- 'In cv."ILlatC' the trarJl..fe::r<.:;~ ~ it ., r)/:"W lo::t.n wC',.~ b"",inh: mad",. to
tt:a ~.r:lO$fefC'c. .Bul"'rcJ.....~r wjj) conUnue to he. f)'bl ig&tec.l ufultlr The 1\,'rlT~ lJ.nd thi.<; ~Inrtgag:l:; L<nl~';::; r .t:;l~der telc~~,cs
Rorrower' irl .....ric.i.ng.
I! I.t!r:.dc, docs nut i.:iloKrc::e to BUC?"l f".."tl<'! or tl"&lls:f~r, Lender IT\<:1)' dcdat"r; ;!J! of th;; ~um~ .O':ol..-c....rcd hy tlli... .\'rC':'l~.;\~~ ,lo' ~
:mrn=r.H:nd): dl,l'i:. Iln,l paY!l.bl~_ 1~ Lentlli::' ~l'c.l"'Cbe:z su!:h option 'I) 1lt'::l.:=~c:(!l.tc:. L~nd~r sh~11 ~a!l B-ot'r().,.,.e. '11~!"L.1: of
'tl'c:cler:stion in .a.cG"rd<iaI"lc~ w:th put-agrlt.ph r2 hl:;I.~r. Sljch noti(:e $h.all rrovju~ ;t p~ri()d n( not icnc thll.'"'l 30 ~.Il.,.Y'" -;;C>rn
~he d.:a.te 4'hc notice i:o, mailed en' tle-Ijvr:red within whit:h Ror'r'o.....~'r rr":l:IY pay the :!:Urn:-o rJc>;;:lo:,~d dwe:, [f .r}~'J:rl)v,=:- r.lli!::\ to
p....y .such SuM!! pdt>r to the: ~xt-lrMion or .o.:l~ch period, T...e!"\4<;1' r'r'li:l.)", wid',OUT fl.lr'!.}v;;r llu,=~ce ~. c,lr:maod 1.1fl fk'r'r('\V<::~.
luvuk~ an)' remcdj"':5 rw:rmiHl'.::cl by pst'ssr:!ph i7 hercof.
."OK-L'NIF(JK~1 COVE~-.\.NTS_ H()rrvwee and LemJr:r fvnhc:f ~vvt:nam and I~grr:c: 35 follow:;;
f7. Aec:elenl~ior.r.; Rll!m~dies. P..n,:~pl as prnvh.lerl in. p3:nf~raph 16 h~reor. upon B(">r(o.......e-r':; bn:a(,;h or !I.!'l~'
C.o\'E!nao'l1 Of ~JOrC:l;ment of ROrrl>wec in thh. :'I.1ot'lS~Ee. includinz: the COYcruullS to pay when du~ ony' ~urr...:
.o;eC::\lred by thi.. i\lon.:ga.g~. l_ender ptiC)I- to aCf;C!leration .o;;h.U gjv~ n;.tice 1:(> 8t,>rn).""c1' :lI~ provid~d in
p>>,.:a.gnph 12 ll~Jc()f spec;ityin&:~ (1) the brc:a~h: (2) the acti()n rC:fjoired t.... ~~J'c !!Iuch brc.Btih; 0) a dale, fm!
le:9:~ th3n 30 <tors 'rum. th-c- date lhe notic::e is qIi;:..Jcd to Borro'W'cJ", by 'Which sut;h brclllch rnu::;;t be: cured: and
(4) Ib",t failure [u cure .such bre::ach: 00 "I' beroril;i t.h"" d.:tt~ sp-o:-cificd in the nc.llt<.:r;:: m:!l~' rl!!$ul1: il1 lIcr:el'"'t'~tion
vf the- .su,mR .<;eol:uril;it;l b)! 1-bj" ~'(t;)rtgase. lVl"'C'/;'JoSUl"e b:Jo' i"diciold proceeding-. and "aJe e:.f !l'1e J'r<.)perty. The::
potice! shull tUr'the.. inrorrn Bf,1orrc....WiCt' of the eight to reinstate .aFt~.. ioccd-er:!lfio-n and the- righ1 tl) .:ltSgert in th~
f,urcc]ol!lure pr()c~c:ding the oO,Q.CX.i:jlt;:TU;C of a default ot' any .',~hot' derensc of :Borrr:n~e1" tu aco;:d:;:J'~dun an"
fot'oc::J()soi'e. Jf Hlc breach is. !\f.'Jr. c;1Jrcd On Q~ before the d.at..., s.:pcc.::Hied in the tlotjcc:, Lende(, .1.l1 Lender-'$'
c~p1.ion. n'Jsy dll;!chre aU I,lr 1;he SUM.~ secut"od by this ~if.utglil-gt:: h) bt:: immc:d.ddJ/ due 3Cld pOIyabJe \\;thou':"
f~'fthC"r derns.n.;l and may fOt'cclO.:;c:: ~his :\1m;lr;~ge b~' jUdic;,al proeee.ding. Lender ~h-aH be en~ithaj to collec't
il~ such proceeding all elrl:pct'l,~e$ of fot'cc::1u!liur~. in(::tuding:, but T1nt li.mi.tcd 10. rC-I-sunllbfe a1l01"1H:'~-:';' fcc~ <lnd
coo;to; ()f d\lc;umtlntar)' t::'Vidl!!J:'H::e. Db~tr:!l.cts: and tide repo:ru.
18. nf"l'rOWer'~ Rith'l tt;J Reitutllte, ~otWlth::l~:ltl"lding Lcnd~r':.: OlL'Cc!t::rJlciCln (It Tht:' ~UfT15: b:.' th~r:: 1\.1ot"ts:;!~<: d\J-t: tt,l
17oruJ\-...t:r..o; breach. Borr~'w::( shill! hOl"'e- the l'iCb(. lu have any prlX=t;ed:i:uZ$ bocg1Jn by l.;;!r.dl'.r to enfl.1fOe l~~:~ >'1ol:l::t:ljr:f::
diSlXIf'ltlnul;d at ~ny time pr.ic.H' ~~) I#rltry elf' :'i Judgment enru~c;:;ug chit; Mongakc if; fa) :BC:ttowo!!:r p,_'y::> 1.CIl:j~r all r.:lJm::;
w!\idl would be Ht~" du~ lJnUt:!r this l\.[ur-tgilge &fl,j th~ Nt.>tc ht:ld roo accdc~l;tion occu~n:cl: (h) B()l':'fm~r ClJl'~$ ali
br~acJ,r:s c,l :.:;:y (.}thl:'t' ':::c~V~nl1nts Or llgrQQm.etHs Qr Dot.r~w~r c:ont;3.inec:! in thi.s t\1....rtel)ge: tel J;-3,vrrow~r p.:l.~'3 I!.il
l'"c:raSO:"lil$.blc ~l'Ip~tl:9~3 L:){,:vr:t;d by L.:nd(:( in O:;l'lrt)t~ing the l::t)Vens.nts lirlc.l <,sreer:'lt:n~:; r.,r BorrQw~r <.:o()t/:ltned in H.,i.;
).1t}r\,g~g~. .)/"td in cn~nn;jllg: Lttnder'~ ren'lec.HC!~ it~ pl'OVttlt::cl. in ps.tott:r:1ph 17 h<.:r~("jr, ;~.r:luuini>, Q.u~ not limitW tn,
t~"\eJn".i,lc:: "'-'.U,.>!"l'len,;- fl::e.c:: ~nd (d) :A.orro......l.:r l.iLkc!': ;;t~l(.!h "c:tIQn &.3 Ll.lndc.r ern,}' !'o=UCl...bl)-' requirt ':q a;:~"N'; th:l~ t~e lien
of l.hi~ l\'oC"tga~e, Le-t\(.lo;::r's interc"It in tl'1..., Prnp=nr 3.:'l.tl a<:.~rrower's I')bli.e:ation '(('J p:4)' the .<;~ltni:: $ec.:~Jr.;d by U1'-"; ;\1o:'':~lJgc
~;!l;ail l;Ont10\le lIulmp:i.ired.. L:poa bu!::h pa:nn-Cflt 1:U\U I;uroe: h)' BOl'n:uvl::e. tbi3; ,\.tort.g$.g:e aflLl. the '''~Ji~~~iot\~ .",eC:llr=d
h'::!"l:b;i .shall r'"L!main in flJil fnre:~ and cftcl:"~ as ~r fI(, 1:n:C:l:iiterf:ltion had r.~I;\Jt'r't;d.
19. A.$:'iie.nment ut Rent,o:.; Appc,>;.ntmcoc of Re-l.;:ClVCt'. ^~ iJ.odition:aI !".ccl!rity h~I't!lll1c..l~r. B()t'rnwer t,...r'<:':?Y "'''.:;;gl1~
((j L~ndel' lhM r~(\tP, of !hc :)ropel'ly, provided tho. Borrower ~h.(.\lI, p,.iur tIJ ac~~It::I'l::Itilll! lm,kr pGI':;.!tril~h J; bc::rl::l"".f, in
.abandQnm~'lt of th~ Pj"opc~1)'. 1'1"\'1:; the ri~bl to i;;olll:::Ct l!u)d T~l.ain stlch tr:nt'S l:lS 'lht!}' r,!:l":c,me due :lnd P~}';ISJ!:l'
LJf)(.Jn iJccclc!";:!titl0 t.ln,jc~ p.aril2,THph 7 hc~ot or s.h~ndnnr'l')f;nt ut th~ .Prope:l't)', L..::noet ,gF'\.liI.l; ,,= emi'.le:d :,~ ha.....:: ;.
1't.:t:~j"'~f o.~poilllc:L1 h) .. ':C>\Jtt to I;:ntcr Upon. t;_ke posse:\l!l.inn of ancl m3nagc the; ?ropen)' 8t'Hj ~n cl.tl:<::C't tn~ rents o!" the
P'('opcn)' ifl~l!1d.iTtS ~ho~t.' p.;a.;t due.. AI! rent~ coU~o;tcd by th~ rcx;ch'er $1~.&11 b~ applied first to pli.rm~n: of tlJ!;t (;O.~l,~ ()f
rn~n3gemt!nt of the P;"Qporty 81').(J C::(.1J1ec;tiuo of rc:nts, jnd'1~1ing, 1'ou", n~)t limitt,;'d llJ, reGt:ivll'I"~~ r(,:t:<;.. p~crr.iut'r.:. :111
t(.,ct:i.....er.!; tx,nds ~ud rt'::;:'isot\ablc _ttorI1C)'I'l' to:oeo.!i., and th.....r' :'0 th~ SUm:: ~enJr.,d by thi!'.O ~1o(t~.ll.gt:". Tli.; ro:::(;~i '.'er :;hl:al: ~~
li<tblC' 'tv lll<;:<;':~Hmt. UOI)-' (t')r tho.sC' rent~ .\kl;t.uatly l"t:"1:!'#h'e<l..
t/r.;n-s', M:tngag;e PA
OA,:J"''-l
80Qk1478rAGE. 295
l"nfilllfiIUlllUllllIllllllti~tiIIlllWUtiIUII~MIRWill!lllmWJIUI
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-20. Jf.6lell$l:. Upon pt.ymcnt Qr aJi $I.u:n& ~weKI by 1;)'1.;4 MOr1;p~. lA:m,deot e:ha1l relflase: this MQr'C.ta~ 1o:itht:ttlt charge
W Bo("t'Q'W&I". Bon-Owc-r shall pay .-II coats Of mG'Ordat5on. it any.
21. Waiver or ltofttcsUtacl. Borrower h.et'Cby waives: JlEl1 righr nr hQrne5te8d -c-x~ptiQn in th~ .Prope.t"c)" u"dcr ,!;tUe
or Fcdet'al law.
22. In1.el'$5't ~te AftM ,J'Od.Cft1CD.t.. ,BcwfDW(5t Agl"CCS the inttr"eSt "'..tAl!:: ,Payable after ~ iudgmWlt is cnt~r'$d on thl;
N~ 01' tIll un action of :m.ort.pgC".f~l06lJN!s shaU br:!I the rate stated. in the Note.
RISQIJEST"FOJi. NOTICE OF DEPAUL l'
,AND PQIUlCLOSlJllE UNPER SlJPERlOR
MOltTGA-GES OR PEEN OF TRUST
-BoJ"J"owiIIIl'
Botli"Owt::l'" and Lcm.tkr rcq~t thl: holder of An.y mQ~" d.eoed of rru~t 01' C;hM em:ur't'tonnc.'1: with a H~(l tvhi~h h~
priority over this Mort:Ne 'to gi:vCI Notil;C!l to Len4=-. at :J:..ende-r"s address set rQtth on plllge:onc of this Mortgage. of ~ny default
under the $V~io:r ~~bt:anCS' and of any ~le Dr' orber fore<:l()Bw-e lletion_
....~~~'........., Star~OfPennsylvanla}
...~~~... ...~!!~OQ.'- .CDun1yofCumb&rla("lrj 8S
..r"i::-~..;. :;;.~" ".. ,~~cgrOedin bClffi(;f)for'thefccotdlnaofDeed&
/1', ..... ~ ~. ~mndf ~Tlana County. ~
fl" bI' ~ . 800 0 -- Pag~~
, ~t..., han of otfi
',' 1~~d..~1~
. ~ J; At.- -
I" oeM
-"B.,.rt"~....."""
.i""that the ~i~ .tldd~ of the ~ (MOI"tQaBeC) ;~: f-lOUSEHOl.O
:25 GATEWAY' ODRXVE ." 'l!IECHANIB5BURG .PA 17055
00 b!:halt or tbs L;n~r_' :By; MATT .IotEAMAN
COMMONWEALTK 01' PBNNs'YLVANlA" ~!""'<!-
FINANCE
Tirle: B~ANCH "'MANP-GER
CovJ\ty sa;
1. ANNE A. ~TAFPORO 9" NoCot'y Publir; in and for said c;OU'l'ity and $tate. do bl::t"eby (;c.rtify t1\1I1
EDWARO A REISINGER ~ BARBARA A ~EISING~R
~oonally k.oown to rt\e to bI!l The samll:l porson(:5) whosc n.~c(s) 8 r e S\.1Qocl'ibc::d t.Q the forcgoi:n.s: inst["lJ.~en't.
.appco..l"ed bcfota.tne thi" day in person. ..nd acknow'Mge thaI _t.h~_ :s.i.at.lCd aon<;! dclivere:d the ~d. inr.tt'ulflotnt ~
t: ha- i.r- f~ vOluntary .act, fol:' t1':ae uses I(ttld pu.rpo...'(;d lherein ~t forth.
('":riven und~ m.Y MJ'ld and official &eat. this
My Con'u'n~&:ijC:J1"& expir'eC;.
Not...RIAL SEAL
AMN!.... lITAFFORD
PA. c::au:M1S810NER OF OEEDS
ClCll!II_ EXPlR&8 Al'Rl~ II!IOl
24th day of AUGUST
,19~"
~~~~
,oto.f')" tC
"l'his inStrument was prepared by;
~t1.~
HOUSEl-IOLO FINANCE CORf'CRATIOIt
26 GateW8Y DrI-. ~ltiEIl 07 .. "
MecnanlCllCUl'g, ~~A{\.
tSPfi>'f ~lo_ T...... L~ )'l........ed. 171M' J..,c.~ llDd Roc:Qol'de!d _
Re.turn. To:
HOUlehOld Pjn.l\~ COf'~ra:tkm
,boo.1478,~ 296 ~77 x...~ont R".4
Elmhu'I'3'h It.. 60126
07~21-9" 'MottO',. PA
PA:)t112A!l
ClIA.ICI~
111111,11..11.....111..11
80/90'd
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December 15,2000
Barbara Reisinger
353 East Fort Street
Shippensburg, P A 17257
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
This is an official notice that the mortg:age on your home is in default. and the lender intends to foreclose.
Specific information about the nature of the default is provided in the attached pages.
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEAP) may be able to help to save your
home.
This Notice explains how the program works.
To see if HEAP can help. you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY
WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the
Counseling Agency.
The name. address and phone number of Consumer Credit Counseling Agencies serving your County are listed
at the end of this Notice. If you have any questions. you may call the Pennsylvania Housing Finance Agency
toll free at 1-800-342-2397 (Persons with impaired hearing can call (717) 780-1869.
This Notice contains important legal information. If you have any questions, representatives at the Consumer
Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your
area. The local bar association may be able to help you find a lawyer.
LA NOTIFICATION EN ADJUNTO ES DE SUMA IMPOR NCIA, PUES AFECTA SU DERECHO A
CONTINUAR VIVIENDO EN SU CASE. SI NO CO E ONTENIDO DE ESTA
NOTIFICACION OBTENGA UNA TRADUCCION IMMEDI A ESTA AGENCIA
(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARG. ~I~DO
ARRIBA. PUEDES SER ELEGIBLE PARA UN PREST AMO POR EL PRO MA L ' IAtO
"HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUE SAL V AR
SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA.
HOMEOWNER'S NAME(S):
PROPERTY ADDRESS:
LOAN ACCOUNT NUMBER:
ORIGINAL LENDER:
Barbara Reisinger
353 East Fort Street. Shippensburg. PA 17257
713303-00-9706017
."""
,.~ , _n
--
.............
, CURRENT LENDERlSERVICER: Household Finance COI:poration
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS.
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE:
- IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL,
- IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE
PAYMENTS, AND
- IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY mE PENNSYL VANIA
HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE--Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange
and attend a "face-to-face" meeting with one of the conswner credit counseling agencies listed at the end of this
Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR
EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE
PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEF AUL T." EXPLAINS HOW TO
BRING YOUR MORTGAGE UP TO DATE.
C01'lSUMER CREDIT COUNSELING AGENCIES--If you meet with one of the conSlUner credit
counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days
after the date of this meeting. The names. addresses and telephone nwnbers of desilmated conswner credit
counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only
necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE-- Your mortgage is in default for the reasons set forth
later in this Notice (see following pages for specific information about the nature of your default). If you have tried
and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the
Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed
Homeowner's Emergency Assistance Program Application with one of the designated conswner credit counseling
agencies listed at the end of this Notice. Only conswner credit counseling agencies have the applications for the
program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency.
Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT
FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED
AGAINST YOUR HOME IMMEDIA TEL Y AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE
WILL BE DENIED.
-
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. CURRENT LENDERlSERVICER: Household Finance COI:poration
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAYBE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS.
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE:
-IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL,
- IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE
PAYMENTS, AND
- IF YOU MEET OTHER ELIGIBILITY REQillREMENTS ESTABLISHED BY THE PENNSYLVANIA
HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE--Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange
and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this
Notice. JHIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR
EMERGBNCYMORTGAGEASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE
PART OE THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEF AUL T." EXPLAINS HOW TO
BRING YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES--If you meet with one of the consumer credit
counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days
after the date of this meeting. The names. addresses and telephone numbers of designated consumer credit
counseling: agencies for the county in which the property is located are set forth at the end oHhis Notice. It is only
necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions.
A PPLICATION FOR MORTGAGE ASSISTANCE-- Y our mortgage is in default for the reasons set forth
later in this Notice (see following pages for specific information about the nature of your default). If you have tried
and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the
Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed
Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling
agencies listed at the end of this Notice. Only consumer credit counseling agencies have the applications for the
program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency.
Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT
FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED
AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE
WILL BE DENIED.
-
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'AGENCY ACTION--A vailable funds for emergency mortgage assistance are very limited. They 'will be
disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance
Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure
proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified
directly by the Pennsylvania Housing Finance Agency of its decision on your application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN
BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION
PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO
COLLECT THE DEBT.
(If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.)
HOW TO CURE YOUR MORTGAGE DEF AUL T (Bring it up to date).
NATURE OF THE DEFAULT--The MORTGAGE debt held by the above lender on your property located at 353
East Fort Street. Shippensburg. P A 17257 IS SERIOUSLY IN DEF AUL T because:
YOU HAVE NOT MADE MONTHLY PAYMENTS for the following months and the following amounts are now
past due: $480.89 for the months of October 1999 throug:h December 1999
Other charges:
TOTAL AMOUNT PAST DUE: $1.442.35
HOW TO CURE THE DEF AUL T-- Y ou may cure this default within THIRTY (30) DAYS of the date of this Notice
BY PAYING THE TOTAJL AMOUNT PAST DUE TO THE LENDER, WHICH IS $1.442.35. PLUS ANY
MORTGAGEPA YMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY
PERIOD. Payments must be made either by cash. cashier's check. certified check or money order made payable
and sent to:
Margaret Smith
Household Finance Corporation
P.O. Box4153
Carol Stream, IL 60197-4153
IF YOU DO NOT CURE THE DEFAULT--Ifyou do not cure the default within THIRTY (30) DAYS ofthe date
of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the
entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the
mortgage in monthly installments. Iffull payment of the total amount past due is not made within THIRTY (30)
DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged
property.
IF THE MORTGAGE IS FORECLOSED UPON-- The mortgaged property will be sold by the Sheriff to payoff
the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender
begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were
actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all
reasonable attorney's fees actually incurred by the lender even if they exceed $50,00. Any attorney's fees will be
added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default
within the THIRTY (30) DAY period. you will not be required to pay attorney's fees.
~
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OTHER LENDER REMEDIES-- The lender may also sue you personally for the unpaid principal balance and all
other sums due under the mortgage.
RIGHT TO CURE THEDEF AUL T PRIOR TO SHERIFF'S SALE--Ifyou have not cured the default within the
TillRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and
prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by paying the total amount then
past due. plus any late or 'other charges then due. reasonable attorney's fees and costs connected with the foreclosure
sale and any other costs connected with the Sheriff's Sale as specified in writin~ by the lender and by performing
any other requirements wder the mortgage. Curing your default in the manner set forth in this notice will
restore your mortgage to the same position as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE--It is estimated that the earliest date that such a Sheriff's Sale
of the mortgaged property could be held would be approximately from the date ofthis Notice. A notice of the
actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default
will increase the longer you wait. You may find out at any time exactly what the required payment or action will
be bY contacting the lender.
HOW TO CONTACT THE LENDER:
Name of Lender: Household Finance COI:poration
Address: P.O. Box 4153. Carol Stream. IL 60197-4153
Phone Number: 1-800-609-4278. Ext.
Fax Number: 630-617-7744
Contact Person: Margaret Smith
EFFECT OF SHERIFF'S SALE-- Y ou should realize that a Sheriffs Sale will end your ownership of the mortgaged
property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to
remove you and your furnishings and other belongings could be started by the lender at any time.
ASSUMPTION OF MORTGAGE-- You mayor X may not sell or transfer your home to a buyer
or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's
fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
- TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAYOFF TillS DEBT.
- TO HAVE TillS DEFAULT CURED BY ANY TillRD PARTY ACTING ON YOUR BEHALF.
- TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEF AUL THAD
OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE TillS RIGHT TO CURE
YOUR DEF AULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.)
- TO ASSERT THE NONEXISTENCE OF A DEF AUL T IN ANY FORECLOSURE PROCEEDING OR
ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS.
- TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY
THE LENDER.
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. - TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
FOR CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY, PLEASE SEE
THE ATTACHED LIST.
NOTE: Unless you notify this office within thirty (30) days after receiving this notice, that you dispute the
validity of this debt or any portion thereof, this office will assume that the debt is valid. If you notify this office in
writing within thirty (30) days from receiving this notice, this office will: obtain verification of the debt or obtain
a copy of judgment and mail you a copy of such judgment or verification. You are also advised that any
information which you supply to this office may be used by us in the collection of the debt. If you request this
office in writing within thirty (30) days after receiving this, this office will provide you with the name and address
of the original creditor.
THE PURPOSE OF TillS COMMUNICATION IS TO COLLECT A DEBT AND ANY INFORMATION
OBTAINED WILL BE USED FOR THIS PURPOSE.
SENT VIA REGULAR MAIL AND
CERTIFIED MAIL NUMBERZ 174599231
RETURN RECEIPT REQUESTED
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SHERIFF'S RETURN - NOT FOUND
CASE NO: 2000-00818 P
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
HOUSEHOLD FINANCE CONSUMER
VS
REISINGER BARBARA A
R. Thomas Kline ,Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named defendant, DEFENDANT
REISINGER BARBARA A
but was
unable to locate Her in his bailiwick. He therefore returns the
COMPLAINT - MORT FORE
NOTICE
, NOT FOUND , as to
the within named DEFENDANT
, REISINGER BARBARA A
DEFT. COULD NOT BE SERVED AT ADDRESS STATED
PRIOR TO EXPIRATION DATE.
Sheriff's Costs:
Docketing
Service
NOT FOUND RETURN
Surcharge
18.00
12.40
5.00
10.00
.00
45.40
.,~
R. omas Kline
Sheriff of Cumberland County
MCCABE, WEISBERG & CONWAY
03/14/2000
Sworn and subscribed to before me
.{3~
day of ~
this
J.pmJ A.D.
Q,,(. () n..,DOJ.A.ol ~
Pr t onotary ,
". ~.
do
MCCABE, WEISBERG AND CONWAY, P.C.
BY: TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
First Union Building
123 South Broad Street, Suite 2080
Philadelphia, Pennsylvania 19109
(215) 790-1010
Household Finance Consumer
Discount Company
961 Weigel Drive, P.O. Box 8604
Elmhurst, IL 60126
v.
Barbara A. Reisinger
353 East Fort Street
Shippensburg, PA 17257
'~~"
Attorney for Plaintiff
Cumberland County
Court of Common pleas
Number ;2.000- eftP
CuJ '-r~
CIVIL ACTION/MORTGAGE FORECLOSURE
NOTICE
You have been sued 1n court. If you wish to defend
against the claims set forth in the fotlowing
pages, you must take action within twenty (20) days
after this complaint and notice are served; by
entering a written appearance personally or by
attorney and filing in writing with 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 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 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
LA WYER 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 HELP.
AVISO
le han demandado a usted en la corte. Si usted
qui ere defenderse de estas demandas ex-puestas en
las paginas siguientes, usted tiene veinte (20)
dies de plaza al partir de La fecha de la demanda y
la notificacion. Hace felta asentar una
comparencie escrita 0 en persona 0 con un abogado y
entregar a la corte en forma escrite sus defenses 0
sus objecfones alas demandas en contra de su
persona. Sea avisado que 5i usted no se defiende,
la corte tomara medidas y puede continuar la
demanda en contra Buya sin previo aviso 0
notificacion. Ademes, la corte puede decidir a
favor del demandante y requiere que usted cumpla
con todes las provisiones de esta demanda. Usted
puede perder dinero 0 sus propiedades u otros
derechos importantes para usted.
LLEVE ESTA DEMANDA A UN ABOGADO
INMEDIATAMENTE. SI NO TIENE ABOGADO 0
SI NO TIENE EL DINERO SUFICIENTE DE PAGAR
TAL SERVICO, VAYA EN PERSONA 0 LLAME
POR TELEFONO A LA OFICINA CUY A
DIRECCION SE ENCUENTRA ESCRlTA ABAlO
PARA AVERlGUAR DONDE SE PUEDE
CONSEGUIR ASISTENCIA LEGAL.
Cumberland County Bar Association
2 Liberty Avenue
CarLisle, PA 17013
(717) 249-3166
TRUE COpy FROM RECORD
In Testimony whereof. I here ullto set my hand
~the.~. _ ."~".~Pa.
,-T~ _~ ~.)IJ~
Cumberland County Bar Association
2 ,iberty Avenue
Carlisle, PA 17013
(717) 249-3166
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McCABE, WEISBERG AND CONWAY, P.C.
BY: TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
First Union Building
123 South Broad Street, Suite 2080
Philadelphia, Pennsylvania 19109
(215) 790-1010
Attorney for Plaintiff
Household Finance Consumer
Discount Company
961 Weigel Drive, P.O. Box 8604
Elmhurst, IL 60126
Cumberland County
Court of Common Pleas
v.
Barbara A. Reisinger
353 East Fort Street
Shippensburg, PA 17257
Number
CIVIL ACTION/MORTGAGE FORECLOSURE
1. Plaintiff is Household Finance Consumer Discount Company,
a corporation duly organized under the laws of Pennsylvania and
doing business at the above captioned address.
2. The Defendant is Barbara A. Reisinger, who is the
mortgagor and real owner of the mortgaged property hereinafter
described, and her last-known address is 353 East Fort Street,
Shippensburg, PA 17257.
3. On August 24, 1998, mortgagor made, executed and
delivered a mortgage upon the premises hereinafter described to
Plaintiff which mortgage is recorded in the Office of the Recorder
of Cumberland County in Mortgage Book 1478, Page 292.
4. The premises subject to said mortgage is described in the
mortgage attached as Exhibit "A" and is known as 353 East Fort
Street, Shippensburg, PA 17257.
,1,
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5. The mortgage is in default because monthly payments of
principal and interest upon said mortgage due October, 1999 and
each month thereafter are due and unpaid, and by the terms of said
mortgage, upon default in such payments for a period of one month,
the entire principal balance and all interest due thereon are
collectible forthwith.
6. The following amounts are due on the mortgage:
Principal Balance
Interest 10/99 through 1/14/2000
(Plus $14.91 per diem thereafter)
Attorney's Fee
Cost of Suit
Appraisal Fee
Title Search
GRAND TOTAL
$54,488.90
$ 2,131.99
$ 2,724.45
$ 225.00
$ 125.00
S 200.00
$59,895.34
7. The attorney's fees set forth above are in conformity
with the mortgage documents and Pennsylvania Law and will be
collected in the event of a third party purchaser at Sheriff's
Sale. If the mortgage is reinstated prior to the Sale, reasonable
attorney's fees will be charged based on work actually performed.
8. Notice of Intention to Foreclose as required by Act 6 of
1974 (41 P.S. ~403) and notice required by the Emergency Mortgage
Assistance Act of 1983 as amended under 12 PA Code Chapter 13, et
seq., commonly known as the Combined Notice of Delinquency has been
sent to Defendant by certified mail on the date set forth in the
true and correct copies of such notices attached hereto as Exhibit
liB."
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"
~'_..........~
WHEREFORE, Plaintiff demands Judgment against the Defendant in
the sum of $59,895.34, together with interest at the rate of $14.91
per diem and other costs and charges collectible under the mortgage
and for the foreclosure and sale of the mortgage property.
,
,
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~ ~9. me t;...k-f---
TERRENCE J. ~cCABE, ESQUIRE
Attorney for Plaintiff
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I
VERIFICATION
The undersigned, Renee Turner, hereby certifies that she is
the Foreclosure Specialist of the Plaintiff in the within action,
Household Finance Consumer Discount Company, and that she is
authorized to make this verification and that the foregoing facts
are true and correct to the best of her knowledge, information and
belief and further states that false statements herein are made
subject to the penalties of 18 PA.C.S. ~4904 relating to unsworn
falsification to authorities.
~ Cftt'hYljl1
RENEE TURNER
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i13303
MORTGAGE
.
o IF !lOX IS CHECKED. nns MOR.TGA.GE IS AN OI'EN.~ND MOR.TGAGl! AND SIlCUJl.ES FUTURE A.DV ANCES
TillS MORTGAGE is made this 24TH day of AUGUST 19 ~ . betwnn the Mortgagor,
EDWARD A RElSING.1I (DECEASED I
BARBARA A Rel$INGER
(herein .Borl'Ower.), and Mortgagee HouseHOLD F I NANce CONSUMER 0 I SCOUNT COMPANY
a corp,orationorll811'zed IIl)d~$tingunder the laV/'Sot PENNll,YLYANIA,., ,whoseaddress',s
25 GATEWAV DRiVe, GATeWAY saUARE/SUITeS~~HANlesBO~G, PA 17055
(herein .Lender").
The loHowiDIl par.rc.ph preceded by a chocked bat is applleablt.
m WHEREAS, Bot'rOwer is indebted to LendM in tbe principal sum "t $ 54. ass, 75 ,
eYiaenccd by Borro..'er's Loan RC\lSyment and Security Agreement or Sec:ondary MOrlWC Loan Agreemcnt (lated
AUOUST 24, 1<198 and any exte:lSions or renewals thereof (herein .Notc"), providing for monthly installments
of principal and interest, in<:luding atIf adjustments to the amount of paymCllf$ or the contract rate if that rate is
variablc, with the balance of the inclebtodncss, if not sooner ?ald, due and payable on AUOUST 24, 2028
o WHEREAS, Borrower is indebtod to Lender in the principal _urn of $ , or so much thereof
as may be advanced pursuant to Borrower'_ Revolvillg Loan Asrecment dated and
extensions and renewal. thereof (herein "Note. " providing lor monthly installments, and interest &t the ,.,.~ and unde,
the terms specified in the Note, inoludinll all1 adjustments in the interest rate if that rate i. variable, and providing ror a
credit limit slate<:! in the principal sum above allll an initial advance of S
TO SECURE to Lendl:r the repayment of (l l the inclehtedncss evidenced by the Note, with interest thereon.
including any increases if the contract rate i. variable: (2) fucure adv~ce$ under any Revolving I,.oan Ag....ment; (3) the
payment of all other sums, with int<<est thereon, advanced in accordance herewith to protect the _urity of thi_
Mortgage; and (4) the performance of the covenantS and agrcem<ltlls of Borrow<< herein OOll,*,,,ed, BoN'ow.. does
hl'reby mortgage, grant and convey to Lender and Lender's successors and assigns the foUowing described property
located in the County of CUMIlER~ANO Commonwealth
of Pennsylvania:
AI I tnat certain proporly sltuatad In Iho borough of Shlp-
ponsburg In the county af C~berland and Commonweallh of
Pennsylvania, bBlng mOre fully dncrlbod In a tBB slmplo
deoa oat.d 03110/1965 and recorded 0312111Gea, among Ihe
land raeards of the eounly and .tate .el 10flh above, In
Velumo N-21 Page ~2<1.
Ta~ Perca) ID: 32-33-1Se7-007
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07-2'-57 M.r1p;. PA
sood4?8'AGF. 292
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ORIGINAL
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TOOE'rUF..R. will". all th~ impt'~)...~motH!. no..... .)1" h.tll"C'll.h",r' orc..'t:1;::::d Vl\ the prO,DGns, :mJ all l:'!usem.lt!'\t1:. right':',
t1ppu'i"tena.nf.:t=l; (l.nd re-nt!:, 3,11 (,r whi(:h ~haJJ be: d~m;:d. t~1 be ~lILJ r~m(;tjn ::I JX!r: (1f ~h(: p<"Opt:r:r ~n~.~t'c'J b/' t"'i~
Ma.rtl!:~gc;. and all of th'\:l' forego!ng, to:cnh~r with sll.id J')rfipr:rfY (t,\t' ;:h~ h:::a.<:l:.'h(l\U t:~tllt~ H thin ).,In..tC3,;;e j~ '.('),.< 'l'
le....~;:hold) tire he:rein3fte.r rtcr~r:-ed to 1\.0;:. tht:: "Pru~t't>.."
Borrower c:O....etl~:\t$ t"-i't l:!ott'c,,,,'ct ;lol. I:;l.wrvll,)' L:dsed vf thc o::nate r.or~(,y ~l:'>n"'cYl:d .krH~ h.2~ the ri~h~ rt:, m~'~rg<l~r::.
$iant ar:d c..VJ1"'1;l.:" the Pi'Qpt:t'ty, osnd t.hAl ;he t-'.Oper;t~. is unc....,cU(nl:x!.l.~!). l::;\\:cpc fur el"icumhl"'...ncl:".~ of' rC"Curu, HI'HrO~\'l:.'r
,~u...t,:n,,("."S tha.t Gor:"o''''cr W;4rr</.:ltl:i Clod will dor~ntJ ~~nera!l>' Th~ r.in!"l to 'the P:"'t.Ipc'rt.Y "-g.:";nSt 3:! (.;I.:..im:.; ;/,nd dem~.ndG.
s:uhject to c:ftt:'um hnmccs or :'e'cora,
Cl\:u:c:rP..M c.:OVE:'\iANTS, Uo:,rowcr lu\d lAUld!!:t" COVCI'AI\t ~nd :l~rcc a.:!l follvWili
1. Pl:I.yrnent of Pf'inci~.al a.l\d Intcrc;.:t ",t Vlnhl.olc Rates. Th.it:: T:'H'rt~agt.' ~ecl.J1"~~~ ....11 p").'t;1erHS (It' princ;~.;l "'II...!
intcrcs,; due: (m ~ V;:trillbJc= rate tOAt"l. The:: (:ontr;jt.':l f3.t~ of jnh:rl;eS~ and p~yt'fH:'rH MnountG m.1" Ix- Ii~J"je;:t to <.:hat1gc ,tS
pr-ovicll:d to the No,te. BOrt(H"'~i.s ~luIl prol'nptly puy when dUIi; .::1.11 8:T1.Q\.mtS req,uired U}' lbt: ;'\l)~"',
2. Funds rur T:l~c.s: .ana In,iul'l:inec:, Subject to .app1iC<tbh: IiiYo' C)1' wai\'l!:T h}' 1.!!!.nnt".T. gorr\:lwe:' !'.;!~all p....y tt> l.....!t<J~('
on the: dos.,)' mom;hl}' pa.Ymt:ntS of principill and imtre:c:r 1tr~ peW.,!>l!:' I.>nde:or th= ,\.Q'I;t;, uncil c~. ,"Ol.ft i:; paid in f\,Lt!, a
$l,:m (hcre:in "Puods") e<:j~I",J tl' one' twelfth ~,t the )'e./,lrly t3:<d and ;:&G&l;.e5smc:nts (inchu3in:: t.:ondorr:ifl~um It.:;(: ptCl.:'.lt\c<.l
lJ:)it d~V8h:'lprrum[ il~~l::r.smet1t:9, if :ltl,y) .....hic;l'\ m&.~' attllin privdty over tbis ~1tn'll."i1ge. i\mJ IIlrCluf\d rC('lt.. '-Ill ~~<": P(',:,~.ty,
;! ,~W)'. ,pll1lli ()l'I=-twolf'::n 01 :;cady pl'er:niutTl in..<;t.;lllment$ ~ot' h~"p..rd in::::l"Iranvft, plWf cn.:'"hveJfth of j'~.:~rl)" premium
i~:n31l:"f\t!'nL:; ror mo:~gag:e iOSUI'IUlCe.. it l:Iny, all .&S te3r,.(J:...:lbl)' ~timated it\iti.;ally l)ClC from time: tu time by Lr.::r';d<::r \:>t't
rht!: b.r&$i$ "f I!$SCSSn"lcnt~ ;md olUs and tt,:l~n:.~le c;~tim.ut~ th~N!-()f" Borr'.)WCf ~t\.:ltl n~l be: ,'bli~;s-:::;:d lU m:,lkt;; sueI"',
ptt.>'m~:'.Ita or PUUdl: tr" I,l;:::l.d-:i' to the- eX!l:ut ~h<u B(',rrow!'"f tndk<:t. s\I~I: pa,i'J":"tefHs to the: OQI<jt;;:, of a ptjG~ tT'.Qrtgagc: (~.
d(:(.'d cJt tru:;.: if ,o;;uf.;h hold~r i,.. ISH im:lti'-\.Itluna.1 lendet,
It Bt.Jrcow<::'t' paY$; :Funt'~ fh I"~nder, the l'Ul'ld!l shilll b(' helJ ill lln in"o;:ti~uTjt')n d'l":: d,~po"'it:;. ~Jr a';',:(')ll!'1t.~ IJr \\:tll.:h are;
it!~ufed or .e\'ar;m'te:;~d- b,r 3- PedMl!J Or nf...tl;: .&gc~\))' (iw.:ludin& Ll.:ncct' if Lc:nder ;:; t1v,,"h !In i:lsticutivrli, r,e:idCl' ~1l.~1I
:ip()l)' th~ Funds to ~3.y said ':a';c.er., /l.:'l..........:..smrcnt.". \m:ll.lr/l.m:-:: t;'l-n:anhHY't~ a:It.l ltliuvad r~nts. I.l.;rlCi~r I'nl'l)' not (,hl'l~'t;~'; till" "0"'"
l'H)lding and appl)"ins;: the: l\:nds, illlalYl:ing $I,'1id ilc,:coum or \."crifyin.i: tl;lO c.:umplling !'l.liid :l'~l"--=:'t~mt;\r.ts and bill!':, 1II'\1e-~:.;
LC.HWc,'r plSJI~ Borr<1lwer In:t:=rc.q~ ,",1'1 Tnt: Fund" .:.nd -l'ppJi:~~bJ," lul-Y p:rmir;:; l..tH1ac:r ({J m.;lk;e :;u"h " (.'h\ll;"~, R"'f'rr.)"-'cl' (iln;'
L.t~t\dot.l" r'1'J.1A}l ,;lgree in wrhins 'll1. th~ lime nl' ex~u.tio1l. Co)f (hi:;. r-..4'orq~:.&GC: that lMterc""t on till;' F....IlJ,. :o.b~,I! b'O palu (I,)
Um.tOWeT, and ur.l~~ $\.1<:1\ ~Srl:eme-n~ ,:=; ro3<S~ Or l:Ippllcao.l/:l' law rGct\Jirc~ l-ilJch inu:'rGSt ~o be: P&;t1, 1.t:I,d~1"' ~h;;oll ,"wi }-.~
r'cc;ui:,cd. tu Ph;t Borl"o\~'c:l" IIny ;ntl:!r';;St or Gll.J"njt~..~ ()T1 tJl~ Fund.I{. J.Cflde-r ,~"'...;,Jl ~h'J:' to B01'rul.-I't!r. WlIht.HIt Cl'l":'.':~, ~J'\
1:l.UlHUlI ,ll;c;.;.tt)l)'t'i1\g or tt'll:! F\mdt~ ~ht.~wing ctedib~ and d~bjls to the f:IJ1'l.dr. ,tnd l.ht: ptJl'''O::1t: rl'lr I-"hk:., ~$(.~h d...bit t~, the:
Fwuh: W;.l~ m{'+d,:", Th-.e Fwnc.ls .n,\' pledged i:I.~ 3c1ditlona! socut'it)' for' the! S\lm:;. .::JC:';t.lTl.aJ b,r dli!; \'i"n~i:lgl:'.
Jf lh~ a~.TH.lUnt ("It th.; lIunds held by J.eruJ.<C!-r, tt~"e:rher with the fl)tVr~ mUJllhJy il~.U:sJJmt,mt5 of t"und:t j')::lyah1!t f'1ri,~t' to
th~ dUe d::!Lt:$ of ;a)t.;S. asscs:;:mC:I\tl'l, iTWI,lI";'\o.c.:c prl:r"!\i'.Jr'n~ :iU',tl J::I'rovnd l"e:"ltl'l. stl:o.lI c);C'c:ed ~ht;'; a.mount ro:Ql.lrt:!tJ ~Q Ptii' ~1~io;J
t:s:Koo, ;:l.~~:.smr;;:nts, in.su:oance. pl'~mium,o:;. ".,d gt'I..~\.Ind rents ';l,ll: the)' fall d\.l~, .vv~h I;X<,;'1:25 sh3.H 'bcr, at Rllr1"'Qv.'~r'A op':k.o:
~ithe.t' f'tn):T\pt1y r~paid t,~ Rori(')'Yo'er Or cr(ldi1.~~ lu Snrrt.,.....c:;:t on mo;)th.1y instil.Jlm~J')ts of Puml~, If Ull.~ amrJtml I.,f Il:c-
P'lncJ:; held by l.etl.d.~t !',hfd riot 'be s\JCfiC'it:nt tel p.)y 'taxes, .fi~l!:~l:;.m,=m:5. insur::lth.:c rJt'~mj\lm(: ;:t",:j ground r=nf.-=: '10;. rht':r
fl,o\J dl,'C, B~.tro\.'''ol:r l';l);t]i pll'" 10 1.cfl!Je;:r 1:Iny 1)mount ncc.:cf..~:s1"'Y tl'~ m:tktl IIp the- deric.i~t'lcy in Cll'\~ 01' mOor-=: ;:'I..).tncl'l(~ ~J':
l.cndcr r'r'11l!.)' Teq~llrll:.
t'puu roaJ'm~l'\t in f~IJI ~r till l,l\..lm~ SC;'l;vrcd b~' thb ~'[vrtguge. L~ndc!lf" ~""II pftirnpt!y r<::-fl.lncl In nt'lrrl..'h"el' lJ.!1)' fvwJ!:=
ht:dd hr I.o;fu::lt'.lt, [r ~JJ1d/:l'r P"olJ'iJigroph 17 hOicnt lbr: Propt:rty is ~nJd or ~ht;;li Prupc:-I'':y llll lll.h=rw!stl .:Jt:qUi:"IIH.1 br l.endP;lot.
1..-et\Q.;r ~"ll:dl ;tpply, no li:tt.;r ~han imnlc::di\ltIj!Iy ,priur lu the; s:Ue or 'the f~ropcrt), ()l" il~ I4t:CJllil=:i.til,':\ b}' Lt'n,j~r. ;l:tly j'\)fld.:~
tv;ld ,,~" I-c:tJuer;H 4ht;l; d me of applics.tli"l-n tl"':l -" eredit ag3i^st. the ~\ltnS. ~ccuf(:d by ud!'; M9r't(t~G.lC.
3.. A,pphC.3.tiOn t>f P8).'menu. 8;o:c!;p~ ft)r loans m;:;d<:! P\.lt$uant w Lh~ Penn~)'j'l,'~t1:$ CO(J,::!:1,)rn~r l:-"j:,;c;(H:nt Cornp"hY
A~t. ::;11 ~:,1.yml:r,'t~ l'-ecciliv-..ld 0.)" 1.4ndcr undel" the Not!; i.\nd pO:i.t'l:l.S;J'.tL})hl': I _'n4 2 h,=,re'uf !:halt b~ :.lppTh::u b)" L.t::;d~r- tlr~~.;:-t
,,~}m(l:nt. uf amt"tlllt~ ?3)';Jble to l.e-lIUeT hy F!urrowi:lr und<<1" p:::lt'llzr1'!.J"h 2' her~of. th~:\ tn intt'l1'(:st. 301'1<:':: ~h~n ft.. l~,,::-
pf'int;jpo.l.
4, flrif.\f :\'-IOI"T,tillge,o; and. D~cd of '1'ruJot: (:hlllrs:(:~; Lie~':;.. 8t..lrroWClt' shall pe:;rrm'm '.oil ()f H.O('t'()\\'c:r'~ otllitat:t'Il~:-;
u.r:d~t .1n)' mnugc,t:gc. ac\:'u ur tr\.l!it t,lr Other secIJrity :.t.J:r~::mcmi with l:lo li!l:n which has prir:..ti-;y n'o't:r 1~ljs MI):'~E~g~,
il'\.:hJding Horro'Nc."'l'I co...cnants. 'Co t'l,&Jc:c V::l.J'rn~rn.s wh.on. dut:." At'lrl"n.....el" s.helll pay o. t::1\Il'~ tu be::: paId all ;3Xe~:.
;"SS.e-S:>n'i.c(1L'~ :m~ (H-hc:r charges:, 'il'lol!lS: ~o.cJ impositi(ltlr. Atttjb~Jtablc to the Prtlpt:rly which may ::!t1.ain 3 p,:t)rit)' OVer -;hi::-
Ml"lrtglllg",. ,9.00 11:':':l~'E!~'ll"Jld p<Olymtlc\:s Of' I:;tCHH'\Q 1"'~M:;', a' &tl~.
$, H3z;);(d In:uu-n.ncc, H<'I:'\"Ol\'e.r shall k::c.;P tho; lIHp.l'Uvc:n'Tl.li:!tll.:- "o;.h-lo o;xi~t.itlar.:. I.lr IH~rl:<.lrt.;r =rect:,j t"I~ tJ:;: l-'rt":11;';",;'-
il'l:lurt;:'d ag.uir..:U !(I.~:O: by rire:, hLl2ard.~ inulu~cd wjf.hin the term "~;o;len41;d l;()v~r.&.3c," liPid !,Hl<:h l'J~~cr ha:r.arc$; ll~ r.t.f'l<~I:t"
1t1~)-' rCl.Il;i:n:, .
The lmi\;r.'lt'i..:e ~;ilrri~:- pt'"r''''H~ins tfie lft:llUranct#' $hvll 1:ot; t:hum:n hy t!'l<:: B':II.'rIJW!:i :;ubj"'<':~ to :)ppro\'=.J D) Lendc::l';
provld<:l\1. t.hl\l $vch appro~'lll ~hl:l~1 :lot bd' untcuofl.:i~IY withheld. ..-\11 (M;'l,lr~nr.:~ pt.lJid~ .!Illc.1 rt;t\tt-w;;ls It;tm:(.)t sh~lI be in
a fr:,rl":\ lILt;cj.)'i.abl<: tv l..t:n4r:t a.nti shall 'nclud~ :t ::TJlnd.:,lrd mQrtgs.S6 cl.:&u::;e ;n f~"'or of ll.r'ld in ~ fnrm ~,,;'"'cplable t.")
Lend'::i. t.cl"ldet' ,.~h1'lil h.H-'~ ~~li;: right. tl.') hLlld th~ pnth.:ics: scd l'enew~:~ ~h~(,G:()f, )~111:ojt:l):t t(Jo lht: ~.~r(T'),S f,~f 471)" 1T\(,)i'ti:to.S;.:,
4~ at trl)J'.t or uth~r' :;'l::!t,mrH)' Qgt'e~mlliel'lt with n J.!tl;n which hu 'PI"lOrlt;.' O...""r" thi::! ~{o:rtA~li:~'
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"" tb6 ovent of 105-9. Bot-cOWl!>t' ",hall IPve prompt tLOtVc:t:l 1:Q the. inl:nJ.["~ctJ Q2mes- .:u'\d ~dt!r. Lender m~)I make: proof
of loss If not made promptly by Bof1'Qwcr.
ft the propwty is :!I1)a.odor:\cd 'by Bof1'Oww. or it Bon"Ower tlJlils 'to rc:spqnd 'kI Le:t\der whhip 30 cIa)'s ttOM the date
p,otiQC i,; rt'\ai.1c:d by Lender to BolTOwer th&.t the in:s.utan= li:!omer off~p; to sct:~~ a cia.im tor insun1WC ~ncri1.s" LAt\d,e;r- is
auth.orized. 'to c:ol1~ "Ad apply ~ inB\ar~ ~ at ~dcrs option cHhe!:" to -rCS!Ontiotl or repair ot tht!: PfOpcrty Of"
to 'h~ ."..... so<;unxl by this Mor\PS".
6. FrC$ct'vatiom ~J)d MainfC;:;a:UIQl:I 01 Pro~rtTi L.ea&eholds:: CoDdornit1tums: Plal1Q~d. Unit DovcrlopMl:"ts.
Borrower 5lha11 Jc.eep th~ Propt=r'Cy in eood. tc'P&ir and shan tl.ot co-mmi~ was\C o. ~mi.t h-t"L-pairme:\t: Crt' dC'&I:rior"'-tiQCl. of
tbe Pn.rpe:n::r Drtel sh.U cort\~y with the pro-vieions: crt 110)" Ica.so it this MOttsaB~ is O'tl: :1 }ONehold. !11:hitt ~ot't.ga-8~ i:; ~'I
D uni'C in >> e~omin.ium 01" a planned unit 4l!1velopnu:l'.It. BorrowllW' shall porf'orm 0111 of: &.t'OWet's obligations undt!;t
th.c decJat"8tiol" or C:ovOlU,ftts ~~rl:.og of. covorrUO.l ,the ~m.in1\)m .Of' pJttr~ned UD:.it d.;ovclop.rn~t, the b)'.J;)we. and
t'egu.1..~ons ot d'l,l!I COndomtl'\iutn. or planru:O ~t. 4evt;ltoprncmt, ,,\"1d eonatituen.t d.oc;:ume:n.ts.
7. Prot'.ectioD 01 .Lca.aer'lt S~\lTity. If :eoI't'O'IYC'c 1.1= to ,x:rfo.rn till;:: co~nant$ and a:f'~rnents contPjl'\ed in. this
Mortga.ge. or if an)" a~iQn or P~n.8 iB comtfl~ which materia.lly atret:~ l,.enckr'o i.l'rt~t. in tho Pro~tY. then
IJCO:de:r, a'l: .t.cmdet"" opdon. upon noti~ 10 .9oJ'fO\\l'CII', May fY)a.1cc sucb appearl'l"Ic=s. disbl,)~ S\X:h ::U""S, inl;1vdins:
t'CB8Qnable MtoM:M!:)'S. r~. And tlikl!l $uch .od,QrI as. i8 o~ry 'tQ prot~t; Lender"s in'tt:Je!lt.
Any .amQUtlt$ di~burscd by Lcnol!l1" purs~t to thi.$ puagraph 7. 'With. intet'CSt. ~bctoon. ;II!. th.c: ~Qntf'3et ta~c. $h:a11
bc:<<>me; addidanal i~bt:oancu. of Borrowel" seC:l,]t6d by ,~i8 Mort~gl!;.. tJnJ~ Borrowl!lt aDd Lender- agr~ '10 other'
toi"mS Qf payment, such IIl'Oount.s :m.n he pe.yabte;; upon notior;t;l from 'l...cnd.u- 'to Bo1"t'OWCI'" t'1;('(UI;;9tine payment thC1'eQf.
KQ1.hiftg c;Ont$lt\od in this p&n.&i'*ph , ~..1I :rcqui"" Lcnc:1cr t.o inc\n' NlY eXp::wrc or takl:!i t.fl.y actIon hereunder.
8. lu:specdoo. Lcndot May t.ak~ or C&1..1$l!; to b:I made;; ~t!.ab\~ e::ntries U-po1\ a.nd i!).~lons or t.h'-; Prop;rty.
prQ.vj~4 that .I..l:ndt:t' ~1t ltivc Bcn;-1'ow~ t1Oti~ pr\01' to a.n)' S\1Ch [nsp.;r::tion. s~ityint f"~fta.blc Q~'U4e thl!lr.efor
reh.lo:t 'to 1.d\dor.$ itlterest in t.hs- Property.
9. CODcll;l,n'l;:tl&1.ioD. The ~ of any AWaro. or iLlJa.ixr.a for dam8g~ dit'oct. or ~Qnsoequl!:'t\t.ia.l. in C;:QI'lC\l!lOt.iol'l .....hh _0.>'
condenn"l&'lton or O'ihct taki-Ag ot tla.e Proper~y. 0[" part thereof. Or lot" convcyanclI; in Heu of ~oJ:l.do:mnat'Qn. are her(:oy'
asaigncd a'04 sba11 bo ))ald \Q Lend;:;:" 4Wb~ ~ ll:ae tcnru; of Any rncl"tgage. dMd. of trUSt or 01ncr ~uri'ty ag.r~me1"l:t
with. a li.t:ln which hu$ prSOrtt.t over thi:; Mortg.,p.
&0. BortQwlC'r Not. Rele.sed; rorl>6arabCte By t.caGCC Not ... W.iv~:t'. BX't6t'l:&on ot the tim~ r.ot' payment 'Or
modit1aat1on of a1)"J.orU.z.tioa. of thD sum$. ~uf'Cd ,.by 'thifl Mortt/lgc grantW by lAnd<:i1" to an)' $UCCl!:SSOr in intCt'est of
BorroWcf shall not opera'CC ~ .t'O!~, ,io any rn.il:nnet", eM liability Qt the orig;inal &!"C'OWI:l" and BorfOWer-'s &tx;~~t'S
in inWf"1;$L Lcn~ ~al1 no;. be 'tCquind 'CO I;O~tnetl.CC proc::~nts up.illS"l s\,IIl;h $uccessol:" 61'" ~use to o:;!ltte:od time: [Qr
poymcc't Qr othcr'wj$1e t11-odify .t.mot"tiz9tiO!l of thl:! ~lJms secured by this: Morlgap \?y ~ (Jof an)" 4l;!-rnand made by
~ vri;e.in.l Bot'tOwc. $f)d BoITOWI:r"s SI,)COMSO"" tp intef'c&t. AtJ.Y tOf'"~u.rfl.l\Qc by ~1l'1de.f' in e~~tc,sing any ri~h.t or
r<:medy here\mdcr. Of C>1'h.e:nY'1~ ~t'Oi'dc4 ~y :tq:JpJi"'bJe tAW. sh*-11 not be ~ WAivl:l:t' of UT pr~l,,1(;\e the (;~~ Or any
such right or tl:!rnedy.
U. SUCcesson -.04 AJiJd8:tlls BI)'U~d.: Joinl .ad Severa! Liabilhy; Co-.sic~e;:t's~ "1M:: ~ovenantJ; llInd ag,1'eC:mcntS
hal"t:in c:onm('lf:d shall 'bind. and the right$, bereuhdr:r $hall inure U). the ~t;vc s\W(:~ts and. 4S9:i8M Qf Lend.er and
BotrowlI!:r, subjccl. to The prvvieion:s q( p8rtt;gto.ph 16 ht:n!lOt. All covC!1\JJInts a1'\d. .e:tocmcn~ t.,r Borrow:r s\"J,aU be joint
~nd several. Any ~owU' who oo-siens t~$ Mortp~ but; dow not CltCl::utl:! t}lIc NQte, (a) is: QO-~igning 'Chis M(,IrLp~1:;
only to mortpse, grant. ao.d ot;onYI!IY t~t aoN'Owcr~5 itttctCSt in lnG Prol?=ft-y to I...enc::1er u-ndcr 'lh= terms of thi$
M.cn1-p~l;I'. (b) 1$ not ~1)" liablo Oft the- Note ot Un4eC' thia Mottpze. and (l,:' a~ tm.,t LcrId.~ one! :!In.)' m:hcr
Borrowc:n" hM~undct Ma.y a.ero; to extend, modify, fotbear. of' Make any ot.h<< SQ:C)J'tU'l'lodatiQ~ wi'lh cegord ~('J the
\ett't\s or thf$ Mongllge O~ the NQUI whhau'C that Borroww's consent and 'Witbout l"elea.sin. tha.t Borrt.'l:wt:!:" 0.. modlfyin~
-chi.c; Mafigap ~ to that. Bol"tOVJ'c:r'$ in.tucs't j~ the PrOperty.
12. Notice. Ex~-pt tor any c\ot1c,,=, r-t>quil'Cd \J.tt._ ..pp1i~-8-'ble Ja."'i 'to he: given in "nother mannef, (a) any f\cticc to
Bot-i'ow.;.~ ptoV'ided tor in ,his ~tt&6ec sholl "be givott. by dcti"-c-rin~ it or by m.aiLibg ~uc'h notice by cr:niried m-..U
1JIdd.r't:lSBCd to &N'o'Wcr at the ~OO'pc:rty Addrc;q. lJor' at such othet &ddt'OSG -N Bot.rOWfJlT may d.;:l;ig::1'ilite by notice ro tender-
aa pro....id-od. bo:r(!;n, and (b) _y ao'Cic~ to LMder,d,.atJ "oe given \'Jy cct'tititKl mail to Le-ndArr'$ ..d.dr~ ~tated he~Ln n:- 10
such 6th&t addn:p;,aa Lender M.b)" dc:JiaMt6 b)' notice Q) SorroWM as proY'i4td het'ein. An)' .o.oti4;fiq,.ravidod. tor in ('hi:::
Mort~11>'8' sm..1J be: ~tncd to have ~ Jiv~ t:o BoT!:"Clwet' or ~ when Sivetl in th~ ma.nn.~r desi.enlJ1<<1 he't'cin"
13. Ooveftlicl: L_w; Scvll;;r,tbiUty. The- etatc and. l(N;:aJ 1a."N's appticablo 1:0 this Mort~.o.f:d shall I;:le the l.tl\-'S ot the
j\l;\odic:'\JQn in which the. Pt'Opc:::rt)" i.c& located. The roregoin, $Illt\tencc sb~Jl not Itmlt t216 a.ppliotl.\:Iitity of r'l:der~) law to
~ls MOrt'gaec. In tht C1AMt that' aftJ" pn>vision or d.o~ of this- Morr,gaF or the Not"- ~Dn;CtB whb ~pp)iea.\)lc bOor, svcJ':t.
ClOnfliec shall no; ~rtect other pOvisiou. of this, Monp&e O~ tho Noto whiQh can 'be ,ll;ivcn eftClCt without ~h~ Cl.>llrJ:i<c'tin~
provitoSo-O, and. to tj1.i!J; t:n:Id 'Che proviBions of this Mo",p~ ,"ad the Now: a.:tc dcc:t.,-ed to be $f:!Iv<<ablc. As- ~ h<<'ein.
"cOlSbs." ",e.K~" .a..."'l.d. -3.t'tOt'1'\4!!yso. feca" iCClude aU &um:s 1Q the;: l:Xtl;lnt not pC'Qpi'oitod by 4pplieabh:: 1&"\10' or limited
herein.
)4. S:orrowc...s CupY. Borro..,.~ .:t.hal! 'be tumishcd a confot'Med. l;OpJI ~ l~ote anc.\..Qt~:; Mort5;ag.C u ~he time
of olt:'Cution Or &fie-r t'ocorthuioo. 'hercat.. .' '. ~ ' B013K:L4:1CS ,aGr. ~4
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15. ltc:h;;Jbilitation I.nan Agteemeo.t. Borr~H'..er sh~ll fu-lfill /ill vi BQrrowcr.s t.1!;\1ia.::t!;t)n~ ufI::!er <ln~' hQ:n..:-
rchahilitl\tif'on. itnpr"o\'I::TTl'l:i!m:;. repair, or oth(lr In,,n &I:j:t'l.:le:ml:nt which 81.1rrt)Wcr' !:!nt~rs i:':-!.c:) witt". l.Ct.<.Jl;':I"'. Lcndl,'. ::I.,
l.ender'$' ""Ptit./", ~iJ)' r-::quire 13t}r:-ow.cr t.O e:<~ute find dctive,r to Li:md,~~. il'\ 0. to:,"'" ",<::r.::G?to.1;.l.; ly Let,!.!"".. Cir\. all:':ie,r.!Y\(::"lt ...
ot ar.r t'ii'1h.t~. d:;luTli:> ~)r de((:ns~<; whIch Bt'lrl"'(.lw~t' may h3ve .:l.C:lin:;t p.!Irtic.o; wh(~ $up~...b' I...tX'.):,. m1tr.~ri.'tl$ Or W::-\'l'~,-,.-'l; ~n
~ol1ncction. .....jtJ\ imflt'OVt'.mll;l;n-::s Made to the PtQ~.=Y.
16. ~I'rand~-t CJI thl;' PrUpl:Tt)', 1f BOt"N)Wl::r sellN or tra"~(t.:r..(;. ~II 0;'( ./:1(11 P;1rl ~)~. c~~~ f'rope=-t). ,'H" -lItl jnCCW~6C
~h~r~i n, elCcludi\\g (11) the (:rte~tklll or a lic:-tJ or com.lmhrArh.'O: ~uburdln.:n~ tv (hi:; ~'JOtt~~i:e. (b) IS tr.ltrls[-er bS !Je,-,j~lo:,
dtsCC'm, or b)' operatio:"\ or Jaw I1pon t11~ dea~h o/.;:l. joim ':COi:int, (c) thl:: $i:rant of /it""')' ;e;.I'~ehold :tHt:r~~t nf thl'"tot: Yc~n; f)T
II:!'~~ t)uC (;C)nt1tifli,nF. an op'tioC'l ~n pi..lrch~e. (c;l) the I.:rclI.tton ~)r IlL p-uro/;h3sc :":"u"me}. ~urity i.l'I.t~r~st tQr [")ll",:~ho[d
:tppH.anC'c.q, (e:) ~"'r&nSf~T tu Q rc18tiv~ resul'tLLtt, rr~')m th~ dl!;'3Ith IJ~ 3 Bot'r"OlI.'er, (0 tl tnm:-o!o::-r .....!'.er~ ~h.c $rv~~5~ flf'
children c)f U',~ BOl'"ro\'l'<:r b.....:OM~ :to owner or the pt'Of'el'tr, (;) s, tl"::.n.(lf~,. tesultl%11oj from 0 del,.T!:~ of dj~~();";";oll nf
marriegc. :egaJ llaepilTation I'Igreerr,eo:nt, ot' from ::l.n itlcic.etl~"l propel't)' :;.c'tlclnc(Jt .1Jr:r~f:ment. t'li ~\'hk~h ih~ ~po'JS~ -e.1~' t"'.<::
~'rrowcf' btlicOr11t!,;: an O\\-'r':ter Qf the prupc:rt)', (h) .II. tnJnsfer int<J an rnt~r vi..'oJ; rru,:., in .....I:ic.::h the llt!l~l"r.o\"'o:;r ,.If .'uo;.)
rem.1ins 3. bt.!tn~(il;:iSlry 3fld which dOC':!l n<,,)t rll#la..c: [() " trom.'cr of righ:;!>....f o(.'cl,Jp.3n(:}" in tht: pf<.)pct"t}'. C'lf (j) 11::.1" I,ltho:!'
tro.n:!'>ter" <(}r dlspor.ido^ g~r,:ripcci in r-r::guJations i'1"~5o:.::-ibcd by t"'~ Pcdenf,l Home: LO.&fl Ba:lk BrJ~<d. Ik.:,rr.lwer !:h/\I:
C1!l.~ ~u ~ .submitted inf'orml1tiun n:CjuLted by Lendet to cv",tvatl: the tTam~rcr~~ ~ If ... new lo:n wt!::r<:" bo:-ing fl"\~d~ lu
the ~.r;\osfc:I'l:'C:. Bun-c)w~1'" ,"'ill <.:ontioue to be. obligSlteu utu.l~r lhe: i\'ClU": I.Ind thi! ~Inrtgasc: wnl~:iG r."f:der tclt:I:!l".cs
RQrrowcr ifl .....ri~inG.
I! r.I::r7.Qcr docS (Iut lOl.":Tt;!C to .such ;,".."\If'l or t1'lin\$tcr. Lender 1T'I;:ty dc::daJ"L: ~1I of th'C' :turn:-; .<:t..."l.:vrc::d hy tt1i~ :'-.tcOI'lJ.:llge :(~ ~
:mmec.Hate:l)' c!ue ;Jn~l palo'able!, If Lcn~e:' t:;l:crc:io;;:e~ su~h opt!(m to Ilh':I:<=~c:r!l.te, Lender ::;'{l::il! fT':.aH BOft'().....'U r1U:ll.:= of
JotI'c':e1c:r::.tion in olI.ccc.Il'd;lJlCee ",,:rh ptll"agl"i:Lph 12 hCl'dVr, Sut;h noti.ce ~hall r>1'OVi-e.h:e 14 p~ri()d flf m.lt ic!l.!: thlln 30 cll>)''l. ::om
-;he d.:L~~ lhd noticQ. 1:-. mailed Coli' dcljvl;!rt!d withi\"l whit:I\ 'Borrov,;t:r r'l':z)' p~y the: :t;\JI1"l-:'i <.1cc:1Dr~d due, [f .t}~'J::-cH"=r [:sil::; -::11
;)l:l.Y .$t)o;h '9utr'l~ pritlr to the e:'fplrMlon or NUl.:h period, i..=n4<:r r'l"'UI)', .....~thout rurthl:r nutice ()r tJ~m8nd Lln Bc,rT('Jly<:r.
iu.....oke iiln)' re:lT:l$djr'::-:; f"::l'tnin~d o}-' P3t'~B1'":.Iph 11 nct'oot.
S'OK'-L'NI.FC:H'O.1 COVE:o...~.\NTS, Hnr"T{twCl' and LeJHJ~r furtht:t CVVl:nant a!)c:! ;:'$r~c:: 3S f('l1J(')w!::;
17, Ae:~:e1ef:'t1,iot"l~ R~ml:-dies, P.lCc.:~p~ as p""'lV-ide:d'i.n p3t'agnpn t6 b~re-()f. upon BO,.'O......CT.S bn.:3<<,:h or &f1Y
C'(',....c:na",t <~t' IIErE!i;!ment nt 'Bn.TTl,lWCI' il'1 thi~ .'1(,ll'lS~E~, 'ncludin~ ~hc- C-OYCIP..}tS t(,) pay when du~ tiny ~um..:;
,"~C:'lrcd by th,~ i\lot't:&age:e. !~ender prit"H'" to acc,:l;ll;ration ""llhatl give nt~cic:e t(, Borru.\4'C1' :n pr:o\'ided in
I"',;"~gtaph 12 tJ.l:'re:ot ,~pe(,:it)'in&:: (1) tb~ orei!lc;h: '2) ..he aCl;()n f"C',",uircd tt'J c\.t:tc: ~\Jch brco",h: (3:) _: c1,3l~. (/tJl
J~$~ than. 30 4a.f:l lrulT\ th~ dale lhe no~ice i$ ~..ih::d 10 Bo,rrowel", by whioh ~uch brelllch n'lU$t be eured: and
(4) tb"t railute- r.u cure such bl"'each. 00. O~ beTore thts d"t<o :sp<:-cificd it"!. thC' t1t,Jt\c;,:l:: may r~$ult ill acc:c:l~f"llti()n
uf Ihll:' $Um:'f: ."t4!lcur.;4 b).. \.t);", \1(()rtgage. tvt"t:et;:JOSUI"i:: b)' judicial pToQecding, and ~8Jl!; ot the. Pr'.Jp~rty. Th..
n.()ti~f: ~hDJJ fue-thel" infOrrn Borr<....WiCl' or the right i(t reinstate- ...hc.;-r eocedel'iuivn IiInd the right tl) .lIo:;'$crl in the
rnrc~]o4.,)rlll p,nocedil1K tho!!! no.a.-c:l(.l.~ll;!nc.;c. of a defAult (')r any C'jtb,c:r dcrensc Or :BorrQ'Wc:l" tu ,'t,ec~lc:raliun ane'
fotcd()s\uc. Jf tbe: bre:ach is t'It'J1 cured On OT before the chUe $pcc:Hied in the not.i..:~, Lender. ;.al Londt:.~'$
upl,jon, n':I8y dc;:.c::lue aU t,lr ~hc SUM~ :secured h)' thi:s. Murt.JCogl: 1U be::: immedil:l.tcJy due an-d payablE! ";thoIJ.":'
hl:l"thl:'r de:tnlln4 at.ul m.oy fc)rc~lo.:;Cl' this MurlE-lI,sc b~' jucJic;ial :pt'occcdins:. Lender fhall he entitled tC) colJcct
i1' such Pl"o..:oc:d.\ng aU e:~PC:1\~f;!$ of forc:c1m;Llr~, including, but not limited 1n. reasunllbrl; a11:(J'tJ)e).'~' fees -<lnd
C:C)~t<l: of duc.::umt'ntar)' C:'Vidc.r'l<:e. nb.$trl:f.cts and title reports.
18. Un:tri.JWer's Righ'l to .Rcit.l.stat~, ~olwtthr.~~t'ldrng Lcndc:r'~ Oll,.'cc:lt!r.lf.titlll ()t thl:: ~~lfTl::; b;.' tfiH'; M(.lt'tS.~f.~ d....-I.: tc.l
ISClt'rr""\'l::!r"!i: breach I Borrn.....:::r shalt h~\-'~ the I'ietl' lo havQ An.... prolX=cr::diz1l!i:.$ "lx:gun by Ll;!ndl,;r to c:nfl;or-cc:; l.!w; :'\101 :l:j;i!r:1;!
diS<.:nncirlUtld At ~~l'y time prlur ~o tmtry or tt .hJ(,tf;mOt'lt enrnrc:::ng thilJ Mongage if; (11) Borrower p..,ys J..~,ddr all t:bmt=:
Wllidl would t>e thllln dlJ~ Ut'lUt:r ~his Mut'tgl'ge il:itl'J th~ N01C: h:t.d 1"':0 3.cc:cJl.:l"'liItiQn ocCurn.:d: (h) 13(:Il'I'Cm:<:r .~.ut~::; all
brt::achcs elt iI.!";'}' (.'ltho:t' ~u\.ter'li:1m8 01" :l.gfQO:l':'I.cflt.s Qt DOl.ro.....!;!r fOontaioed in thi$! Murtg::l,ge: {c) ~....rrower P"'Y3 I!.:t
l"'e;a$O:"I.l!lble= ';l:otp~t:lge~ inl,::vr:c;:::S b)' 1...c:=nd<::r in >::t'1rnt'<;;ing the> CI)'/cnantS Isnd ~.srcemt:n~:;; e,f' norrQ".'e:r co()r.l:Iined ;:1 rhi'J.
~J<.)rtx:lor..:l. .).1'\(1 in te"for<.:iug I.el".dc:r'" rcmedlc!Il ;l~ p~'o...itll:!d in ps.ro1.t,r-llpn 17 ht.:rtenf, i:'lC':lvt.liu);. Q-V~ not limite(j t,...
rc.u..'mn~hl~ ;t'.l(.lt'I'I~>'~i' fee-c:: lInd (d) ROrr(\.....I,lT to1l.ktel't Jil~l(;h :.u:tlon &3 LCi"1uc:.r nUl}' r'e~lma"I).. require ';1/ a~"\lrt': nl~lt t!\~, lien
CJt thi,::; Mortgage, Llll't\lJer's it\ter~~t in th!..:o Pr"pe=rty and a~1rrower's f)bli,i:atlon trJ pili.)' the .O::~ltns $C't.:;Jr;:-d by tln.<: ;\1o:"~~lIgl;:
:l!ulll l;ontil'\\Jd unimptlir~d. Cpo"" such pay.nCI'lt II.n~ cu.r~ h)-' Borrawct", thi$ ,\.tonS~.I;e :,m.:J the c.,:.li!:-lHiClt\f:J ...,.eeurc,J
hl#rc;b~. shtl.lJ :-t:main j(l fuil ft'lrcc and ~ttl;:C't. as if n(l lScce=terlltion h..i:l.d O<;IJl"li'rr.::d.
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(() Le:nde:r ll'l~ fo:'.i'Itll: or ~hc :"rop~\'"ly. Pfovided tho.~ BOff'(JWer ;<::ho.lI, PI.jOI'" t,) aCI.:ItJt::r~til1f1 ~md('r p~r;108l'"llrtl J -:' b..:r~~r. in
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P'.open)' im:ll1dL1"l(: cho~ pl,LSt dUe-. ,"\11 rent~ c:otlc':tcd oy the r=coch'or ~h311 bl:' applied tlr.::t to p:l.)'m~n': o-f till:: o:.:O;::1;~ I)f
rrvma.gc:mlJflt Or lhe p:"'(.1portJ.' .!ll'lcJ C'1,,1Ilectiun of rt:nts, in~~11ldi1lg, but L'\m limited ~!,). rec~jv"'I'':-~ rc,:t~~. p~crniul'r,!l illl
t<"cCliYe.':; 'bonds ~nd r~~sot'l.liIble ~ltC)rnc:>'I'l' t~~l;, and th~tl to the S:Vn'lJ:l :'4eer:IJr't:'d by thi:-.. ~1oft~~t::I:!. Ttl;l rCI.:l::L'.'er 5hl1i: ~e:
liao\:>Je- tu r:li.;(,.:l/UUL only r()1'" these- re:ntlli ~c:t.lJal1y rl:'Cr:f\"C'd.
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No~ o~ in an Mtion of mortpgo,.f~l<?9I,lN!I ~aU be the rattl staWc1 in the Note.
RiQlien;.FoJl NOnc;::e OF P~PAUL1'
.AND l'Qll.BCLOST.m.l!. UNPEIl. SUPeRIOR
MORTG~aES OR PEEN OF TRUST
BOt,("Owt:r af.ld I...cn~ requwt the holder of a.n.y m9J"tS:&J:e. d.eed of ft'1Jst ot' (I'{h<< enCUr'l1bnno:: with a 1i1'Jt1 whi{;h h~
p:riont)' over this MorCgMt8 to giVo Notio:l to .LcnrJc:r. At Lcnd(it"s &ddreas set rotth on l?11,&t!tone (Iof this Mol"'tgage. ot *flY dc!alJ\t
UnQClt' the S\i~O.r ooeumbre:ncs and or any $!lite: or ome:r foroc;:losUfC 3c:tiotl.
Stat\! of P~nnsylvilnfa }
. County of CUmberJaf"id as
eoorded in 0 cHice tor the C"Cc:::otdinq (if Deed;;
and f erUlI'ld Ct)lJnty~ ~
S a _P.~"\Q,", EDWARD A REISINGER
x~~n,.5_ ~~~j~"'\1,~~-,..l:~::A$ED) p,.", ~_
~ 7"" ~ BARSARA A ~s~ ('-5.".-<.
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at tho ptcc;~ add~ of the. L.endet' (Mortgaseo);~ 110USEHO'-O FINANCE
25 GATEWAYIODR%VE.-~ECHANIaS8URG.PA 27055
On behall <>1 <I>. Lc.,4Ior: By; 101....;....: .>lEIlI'IAN I Tltl.: BRANCH. -'MANAGER
COMMONWEALTllO'PPBNNS.YLVANlA,. ~........~ Coun<y...;
1. ANNE A STAFFORD . . . NoCWY PubUI; in a.nd fot' uid c:QU1"ity And State, dQ bl:t'eby tcrtify lb.."
EDW"'RD A REISINGER & BARBARA A REISINGER
p:TiilOn-SUy k.nown to mt; to be The same! pcrson(e;) WbOEiC n6.Mc(s) are su'bt;e;ll'ibod tQ the forcgoi1'\g instrv.mlllnl:..
.&PP=l'roo before Me this (lay in person, 4J\d ac'knowJ4ldgc that _th~_ :si~ and. deli.vcred the sai.d. itl.MC'\lnvtnt ~
'hnair free voluntary .act, for' thl!!l uses iltnd purpo-$d therein:-et forth.
C"nven under my Mfld and official ~. this
24th day 01 AUGUST
.19 98 .
My ComMission expiroc>.
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NotARIAL SeAL
AllH~A, 8TAFFO~O
. PA CCl(HlSSlONER o~ DEEDS
lIY llClWollllllall EXl'IRSS lllL 1001
~l'bis iostrVfT1l:Z"1.t ...IIS pt"Cp.l!l.t'oo by:
~t1.~
HouseHOLD FINANCE CORI"CRATIOI4
25 GatEroiGy 01'1'119, &.!Ite 107 .. "
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December 15, 2000
Barbara Reisinger
353 East Fort Street
Shippensburg, P A 17257
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
This is an official notice that the mortgage on your home is in default. and the lender intends to foreclose.
Specific information about the nature of the default is provided in the attached pages.
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (}lEAP) may be able to help to save vour
home.
This Notice eXJ'lains how the program works,
To see if HEAP can help. vou must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY
WITHIN 30 DAYS OF THE DATE OF THIS NOTICE, Take this Notice with you when you meet with the
Counseling Agency,
The name. address and tJhone number of Consumer Credit Counseling Agencies serving your County are listed
at the end of this Notice, If you have any questions. you may call the Pennsylvania Housing Finance Agency
toll free at 1-800-342-2397 (Persons with impaired hearing can call (717) 780-1869.
This Notice contains important legal information, If you have any questions, representatives at the Consumer
Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your
area, The local bar association may be able to help you find a lawyer.
LA NOTIFICATION EN ADJUNTO ES DE SUMA IMPO~RIA' P, UES AFECTA SU DERECHO A
. CONTINUAR VIVIENDO EN SU CASE, SI NO CO Br!iNTENIDO DE ESTA
NOTIFICACION OBTENGA UNA TRADUCCION IMMEDI .' ttA EST A AGENCIA
(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARG Mr:f,(I~DO
ARRIBA. PUEDES SER ELEGIBLE PARA UN PREST AMO POR EL PRO MA L [mO
"HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUE SAL V AR
SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA,
HOMEOWNER'S NAME(S):
PROPERTY ADDRESS:
LOAN ACCOUNT NUMBER:
ORIGINAL LENDER:
Barbara Reisinger
353 East Fort Street. ShipJ'ensburg. PA 17257
713303-00-9706017
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-
CURRENT LENDER/SERVICER: Household Finance COl:poration
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS.
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE:
- IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL,
- IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE
PAYMENTS, AND
- IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYL VANIA
HOUSING FINANCE AGENCY,
TEMPORARY STAY OF FORECLOSURE--Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty (30) days from the date of this Notice, During that time you must arrange
and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this
Notice, THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS, IF YOU DO NOT APPLY FOR
EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DA IE, THE
PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEF AUL T." EXPLAINS HOW TO
BRING YOUR MORTGAGE UP TO DATE,
CONSUMER CREDIT COUNSELING AGENCIES--If you meet with one of the consumer credit
counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days
after the date of this meeting. The names. addresses and telephone numbers of designated consumer credit
cOlmseling agencies for the county in which the property is located are set forth at the end of this Notice, It is only
necessary to schedule one face-to-face meeting, Advise your lender immediately of your intentions,
APPLICATION FOR MORTGAGE ASSISTANCE-- Y our mortgage is ill default for the reasons set forth
later in tIllS Notice (see following pages for specific information about the nature of your default). If you have tried
and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the
Homeowner's Emergency Mortgage Assistance Program, To do so, you must fill out, sign and file a completed
Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling
agencies listed at the end of this Notice, Only consumer credit counseling agencies have the applications for the
program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency,
Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting.
YOU MUSTFILE YOUR APPLICATION PROMPTLY, IF YOU FAIL TO DO SO OR IF YOU DO NOT
FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED
AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE
WILL BE DENIED,
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-
-
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CURRENT LENDER/SERVICER: Household Finance COI:poration
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS.
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE:
- IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL,
- IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE
PAYMENTS, AND
- IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY 1HE PENNSYLVANIA
HOUSING FINANCE AGENCY,
TEMPORARY STAY OF FORECLOSURE--Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty (30) days from the date of this Notice, During that time you must arrange
and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this
Notice, THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR
EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. 1HE
PART OF THIS NOTTCE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT." EXPLAINS HOW TO
BRING YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES--If you meet with one of the consumer credit
counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days
after the date of this meeting. The names. addresses and telephone numbers of designated consumer credit
counseling agencies for the coun1;y in which the property is located are set forth at the end of this Notice, It is only
necessary to schedule one face-to-face meeting, Advise your lender immediately of your intentions,
APPLICATION FOR MORTGAGE ASSISTANCE-- Y our mortgage is in default for the reasons set forth
later in this Notice (see following pages for specific information about the nature of your default), If you have tried
and are unable to resolve this problem with the lender, you have the right to apply for fmancial assistance from the
Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed
Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling
agencies listed at the end of this Notice, Only consumer credit counseling agencies have the applications for the
program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency,
Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting,
YOU MUSTFILE YOUR APPLICATION PROMPTLY, IF YOU FAIL TO DO SO OR IF YOU DO NOT
FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED
AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE
WILL BE DENIED.
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AGENCY ACTION--Available funds for emergency mortgage assistance are very limited, They 'will be
disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance
Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure
proceedings will be pursued against you if you have met the time requirements set forth above, You will be notified
directly by the Pennsylvania Housing Finance Agency of its decision on your application,
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN
BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION
PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO
COLLECT THE DEBT,
(If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance,)
HOW TO CURE YOUR MORTGAGE DEFAULT (Brin~ it up to date).
NATURE OF THE DEF AUL T --The MORTGAGE debt held by the above lender on your property located at 353
East Fort Street. Shippensburrl. P A 17257 IS SERIOUSLY IN DEFAULT because:
YOU HAVE NOT MADE MONTHLY PAYMENTS for the following months and the following amounts are now
past due: $480,89 for the months of October 1999 through December 1999
Other charges:
TOTAL AMOUNT PAST DUE: $1.442.35
HOW TO CURE THE DEF AUL T-- You may cure this default within THIRTY (30) DAYS of the date of this Notice
BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $1.442.35. PLUS ANY
MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURlNG THE THIRTY (30) DAY
PERIOD, Payments must be made either by' cash. cashier's check. certified check or money order made payable
and sent to:
Margaret Smith
Household Finance Corporation
p,O, Box 4153
Carol Stream, IL 60197-4153
IF YOU DO NOT CURE THE DEFAULT--Ifyou do not cure the default within THIRTY (30) DAYS of the date
of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the
entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the
mortgage in monthly installments, Iffull payment of the total amount past due is not made within THIRTY (30)
DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged
property.
IF THE MORTGAGE IS FORECLOSED UPON--The mortgaged property will be sold by the Sheriff to payoff
the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender
begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were
actually incurred, up to $50,00, However, if legal proceedings are started against you, you will have to pay all
reasonable attorney's fees actually incurred by the lender even if they exceed $50.00, Any attorney's fees will be
added to the amount you owe the lender, which may also include other reasonable costs, Uyou cure the default
within the THIRTY (30) DAY period. you wiII not be required to pay attorney's fees.
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OTHER LENDER REMEDIES-- The lender may also sue you personally for the unpaid principal balance and all
other sums due under the mortgage.
RIGHT TO CURE THE DEFAOLT PRIOR TO SHERIFF'S SALE--Ifyou have not cured the default within the
THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and
prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by paying the total amount then
past due. plus any late or other charges then due. reasonable attome.y's fees and costs connected with the foreclosure
sale and any other costs connected with the Sheriff's Sale as specified in writin~ by the lender and by performing
any other requirements under the mortgage. Curing your default in the manner set forth in this notice will
restore your mortgage to the same position as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DA TE--It is estimated that the earliest date that such a Sheriff's Sale
of the mortgaged property could be held would be approximately from the date of this Notice. A notice of the
actual date of the Sheriff's Sale will be sent to you before the sale, Of course, the amount needed to cure the default
will increase the longer you wait. You may find out at any time exactly what the required payment or action will
be by contacting the lender,
HOW TO CONTACT THE LENDER:
Name of Lender: Household Finance COI:poration
Address: P,O, Box 4153. Carol Stream. IL 60197-4153
phone Number: 1-800-609-4278. Ext,
Fax Number: 630-617-7744
Contact Person: Marllaret Smith
EFFECT OF SHERIFF'S SALE-- You should realize that a Sheriff's Sale will end your ownership of the mortgaged
property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to
remove you and your furnishings and other belongings could be started by tlle lender at any time,
ASSUMPTION OF MORTGAGE-- You mayor X may not sell or transfer your home to a buyer
or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's
fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied,
YOU MAY ALSO HAVE THE RIGHT:
- TO SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE DEBT OR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT,
- TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF,
- TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEF AUL THAD
OCCURRED, IF YOU CURE THE DEF AUL T, (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE
YOUR DEF AUL T MORE THAN THREE TIMES IN ANY CALENDAR YEAR,)
- TO ASSERT THE NONEXISTENCE OF A DEF AUL T IN ANY FORECLOSURE PROCEEDING OR
ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS,
- TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MA Y HAVE TO SUCH ACTION BY
THE LENDER,
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- TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW,
FOR CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY, PLEASE SEE
THE ATTACHED LIST.
NOTE: Unless you notify this office within thirty (30) days after receiving this notice, that you dispute the
validity of this debt or any portion thereof, this office will assume that the debt is valid, If you notify this office in
writing within thirty (30) days from receiving this notice, this office will: obtain verification of the debt or obtain
a copy of judgment and mail you a copy of such judgment or verification, You are also advised that any
information which you supply to this office may be used by us in the collection of the debt. If you request this
office in writing within thirty (30) days after receiving this, this office will provide you with the name and address
of the original creditor,
THE PURPOSE OF THIS COMMUNICATION IS TO COLLECT A DEBT AND ANY INFORMATION
OBTAINED WILL BE USED FOR THIS PURPOSE.
SENT VIA REGULAR MAIL AND
CERTIFIED MAIL NUMBER Z 174 599 231
RETURN RECEIPT REQUESTED
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McCABE, WEISBERG AND CONWAY, P.C.
BY: TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
First Union Building
123 South Broad Street, Suite 2080
Philadelphia, PA 19109
(215) 790-1010
HOUSEHOLD FINANCE CONSUMER
DISCOUNT COMPANY
v.
BARBARA A. REISINGER
.,
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Attorney for Plaintiff
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
NUMBER 2000-818 CIVIL
PRAECIPE TO REINSTATE COMPLAINT
TO THE PROTHONOTARY:
Kindly reinstate the Complaint in Mortgage Foreclosure in
the above-captioned matter.
Q uC"
TERRENCE J. McCABE, ESQUIRE
Attorney for Plaintiff
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-
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McCABE, WEISBERG AND CONWAY, P.C.
BY: TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
First Union Building
123 South Broad Street, Suite 2080
Philadelphia, Pennsylvania 19109
(215) 790-1010
Household Finance Consumer
Discount Company
961 Weigel Drive, P.O. Box 8604
Elmhurst, IL 60126
v.
Barbara A, Reisinger
353 East Fort Street
Shippensburg, PA 17257
Attorney for Plaintiff
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Number ;2006 -fi?
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 (20) days
after this complaint and notice are served, by
entering a written appearance personally or by
attorney and filing in writing with 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 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 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
LA WYER 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 HELP.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
(717) 249-3166
AVISO
Le han demsndado a usted en la corte. Si usted
qui ere defenderse de estes demandas exwpuestas en
las paginas sfsuientes, usted tiene veinte (20)
dies de plazo al partir de la fecha de la demanda y
la notificacion. Hace falta asentar una
comparencfa escrita 0 en persona 0 con un abogado y
entregar s la corte en forma esc,rita sus defenses 0
sus objaciones alas demsndas en contra de su
persona. Sea avfsadc que si usted no se defiende,
la corte tomara medidas y puede continuar la
demands en contra suya sin previo aviso 0
notificacion. Ademas, ls corte puede decidfr a
favor del demandante y requiere que usted cumple
con todas las provisiones de esta demands. Usted
puede perder dinero 0 SUS propiedades U otros
derechos importantes para usted.
LLEVE ESTA DEMANDA A UN ABOGADO
INMEDlATAMENTE, SI NO TIENE ABOGADO 0
SINO TIENE EL DINERO SUFICIENTE DE PAGAR
TAL SERVICO, VAYA EN PERSONA 0 LLAME
POR TELEFONO A LA OFICINA CUY A
D1RECCION SE ENCUENTRA ESCRITA ABAJO
PARA AVERIGUAR DONDE SE PUEDE
CONSEGUIR ASISTENCIA LEGAL,
Cumberland County Bar Association
2 liberty Avenue
Carlisle, PA 17013
(717) 249-3166
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McCABE, WEISBERG AND CONWAY, P.C.
BY: TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
First Union Building
123 South Broad Street, Suite 2080
Philadelphia, Pennsylvania 19109
(215) 790-1010
Attorney for Plaintiff
Household Finance Consumer
Discount Company
961 Weigel Drive, P.O, Box 8604
Elmhurst, IL 60126
Cumberland County
Court of Common Pleas
v.
Barbara A. Reisinger
353 East Fort Street
Shippensburg, PA 17257
Number
CIVIL ACTION/MORTGAGE FORECLOSURE
1, Plaintiff is Household Finance Consumer Discount Company,
a corporation duly organized under the laws of Pennsylvania and
doing business at the above captioned address,
2, The Defendant is Barbara A. Reisinger, who is the
mortgagor and real owner of the mortgaged property hereinafter
described, and her last-known address is 353 East Fort Street,
Shippensburg, PA 17257.
3. On August 24, 1998, mortgagor made, executed and
delivered a mortgage upon the premises hereinafter described to
Plaintiff which mortgage is recorded in the Office of the Recorder
of Cumberland County in Mortgage Book 1478, Page 292,
4. The premises subject to said mortgage is described in the
mortgage attached as Exhibit "AU and is known as 353 East Fort
Street, Shippensburg, PA 17257.
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5. The mortgage is in default because monthly payments of
lHincipal and interest upon said mortgage due October, 1999 and
each month thereafter are due and unpaid, and by the terms of said
mortgage, upon default in such payments for a period of one month,
the entire principal balance and all interest due thereon are
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collectible forthwith.
6, The following amounts are due on the mortgage:
Principal Balance
Interest 10/99 through 1/14/2000
(Plus $14.91 per diem thereafter)
Attorney's Fee
Cost of Suit
Appraisal Fee
Title Search
$54,488,90
$ 2,131.99
$ 2,724.45
$ 225,00
$ 125.00
S 200,00
';',
GRAND TOTAL
$59,895.34
7. The attorney's fees set forth above are in conformity
with the mortgage documents and Pennsylvania Law and will be
collected in the event of a third party purchaser at Sheriff's
Sale. If the mortgage is reinstated prior to the Sale, reasonable
attorney's fees will be charged based on work actually performed.
8. Notice of Intention to Foreclose as required by Act 6 of
1974 (41 P.S, ~403) and notice required by the Emergency Mortgage
Assistance Act of 1983 as amended under 12 PA Code Chapter 13, et
seq., commonly known as the Combined Notice of Delinquency has been
sent to Defendant by certified mail on the date set forth in the
true and correct copies of such notices attached hereto as Exhibit
liB. "
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WHEREFORE, Plaintiff demands Judgment against the Defendant in
the sum of $59,895,34, together with interest at the rate of $14.91
per diem and other costs and charges collectible under the mortgage
and for the foreclosure and sale of the mortgage property.
~'\.l./V1. CfL. ~. rn (' t;JrR---
TERRENCE J. cCABE, ESQUIRE
Attorney for Plaintiff
m", '
VERIFICATION
The undersigned, Renee Turner, hereby certifies that she is
the Foreclosure Specialist of the plaintiff in the within action,
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Household Finance Consumer Discount Company, and that she is
authorized to make this verification and that the foregoing facts
are true and correct to the best of her knowledge, information and
belief and further states that false statements herein are made
subject to the penalties of 18 PA.C.S. ~4904 relating to unsworn
falsification to authorities.
~cruhJtjA
RENEE TURNER
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.13303
MORTGAGE
.
o IF 80X IS CHI!CKIlD. mls MOIl.TG/lGS IS AN OI'EN.END MOR.TGAGI! AND SEClJllt!S I'tlT\.lIl.ll ADVANCES
TillS MORTGAGE is modo this 24TH day of AUGU$l 19 ~ ' between the Mortgagor.
EDWARD A RE ISINGER (DECEASEDl
BARBARA A REISINGER
(herein 'Bor1"ower'), and Mortgagee HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY
a corporation organized l\l)d existing under the laws o,~ PENIoISj,YLYAN I" 1 ., ,whose address'ts
~5 GATEWAY DRiVe, GATeWAY saUARE/SUfTeSUf?~?ME~HANICS80RG, PA 17055
(herein 'Lender').
The followinl paragraph preceded by . ch~ed box is applicable.
m WHER'8AS, Borrower is indebted to LendM in the principal sum of $ 54. BSS, 75 ,
Cvldenccd by Borrower's Loan Repayment and Security Agreement or Secondary Mortg8ie Ulan Agreement dated
AUOUST ~4. Igge and any extensions or renewals thereof (herein 'Note'), providing lor monthly installmel',lS
of principll1 and interest, including u)' adjustments to the amount of payments or the contract rate if that rate is
variable, with the balance of Ihe indabt;x\neas. if not sooner pald, due and payable an AUGUST 24, 2028
D WHEREAS, Borrower is indebt;x\ to Lender ill the principal .Um of $ , or so much thereof
as may be advanced pursuant to Borrower'. Reyolvlllg Loan Agreement dated and
extensions and renewals thereof (herein "Nole'), provld;ns for monthly installments. and interest at the rate and ullder
the terms specified in the Note. (nc:luding any adjustments in the interest rate jf that rate i. variable, and providing far a
credit limlt stated in. the principal sum above and an initial advance of $
TO SECURE to Lender Ihe repaYment of (t) the indebtedness evidence<! by the Note, with Interest therco1'\.
Includlns any increases IIlhe contract ram i. variable; (2) turutO adva~es under any Revolvingl,.oan Agrtement: (3) Ihe
payment of aU other sums, with interest thereon. advan~ in accordance herewhh to protect the aecurilY of this
Mortgs.ge; and (4) rho perPormanco ot the coV""""lS and agreem""lS of Borrower herein coll141l>ed, Borrower doP'..$
hereby mortgage, grant and convey to Lender and Lender's sueces.sors and assigns the following described property
located in the County of GUMBERt-ANO Commona'C$.lt~
of Pennsylv'\\1I1a:
All IhH certoln property .Itualed In the borough of Shlp-
p.noburg In the county cf Cumbarlend ond Commonw.elth of
Pennsylvanle, bolng more fully dncrlbe. In 0 tes slmpl.
d.ed detsd 03/19/1965 ond recorded 03121/1900, among the
land rooord$ of Iho county end 01010 .el forth .bovo, In
VglVMO N-21 Pog. 629.
Tox Percel ID: 32-3g~ISe'-007
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TO('HZ'l.'U:F.R. whh all th~ impfO....!;'l'mCnt~ nn'l'o" .)r h.c.:I"C'l:i71.cl" tlrc:,=~;;:d on the pnJJ:,lGI t~, am.! ,,11 ~aSemen[,<:" ri~hr,:"
fI.?:pu...te:tl.;t.l'\~=li ,!oDd rc-nu:, 0.11 C'Jr whlc:h Shllll bo dc..;:m~ tu bo 1l.11rJ r-"m::!in t:I p"'r~ Clr t~W propt!rl.11 !.:n\"etc..j b\6 tl;i~
Mc;.rt:g~gc; i)nod aU or 'tlv. t"orcgoLng, cQgclht-r wLth said prnpr.rry (r,\;, .hl:' t~io;t'llni.u c~tah! if thi~ ~Inrte~s~ i:;" '("11":. ~ ..
J-r;~~;:hold) af'e hl!:::,ein;;rte.r rbfc:r:,(:d t("t As:. thl:: "Pm~t't}....
Horro,^,d1' r::oVel'lanI$ thM J:30tl'(,"'~t 1); lawf\'tI}, !:ei~d l,lf (hI: C3't8i:O hcn~Q)' f;onvcycd and. h:!.:'r ~h(!. ri~h't te) m(.:-rg...,sl:,
,grant .!L~d .c..VJ\\II::l.}' the Pt'opt::rt)'. and. t.hAl, ~ht;; pl"Qp'=.t~. is unc-.ncUtfl~nH.J" .;:\\:cpt for enCUmhi;tnc.:~!, of r<<urcJ, l-iQrrO\l'c:-r
<,:u'o"l.;n;,r,.'tS that Gor:"owc::r w.l4rr~Hlli iLnd wit1 4~f~rtrJ #cncr~!I>' Th~ tiut': to 'the P:-c.lpc'rt.:t ;tg;linst I./,:t ~I:tirn:j :md de.m~ondG,
suhjec't to eneum hranccli of :"tfcord,
t.:.i\:U~ORM COVE~ANTS, U-o:"ro.....cr ~t'ld r...emd.;r (:OVCf'\4l"1't and :r.~rl;'; a.s rolluw;<,j
1. Ptllynv~ri.t of Principal an.d [nterc:lt !:It V~rh:libl'C Rates. Thi~ mf,/ort.g;a;:c ~e"urt.:::l a.11 p:.l~.rn<;:nu: (It' pr-int:i;'l111 I'll..!
infct"c;S";; d'-l~ I'm " 'o"tolrillblO rote:: It)~l''1. The:: (;Ontr~!:t r3ttl' of irlt~r#.:s~ and p&.ymt!'l'lt ;lmountG mar be ~\jbje;;t [Q c:h.tn~c: ,lS
proviced in the Note. BQl"tc'Jl'-'fj:l"S fohaJl prol'.n.I>t1y ptJ.1' when dl.J~ .:1.11 amounts requia'!:'d b>' the ~v~e,
2~ FUI1c.1!1 r(:,or Tl1~e.s: uncllnau'I'l:Inec:, S'Jbjcct to .ll.pp1i:':::i,1bJt= Iiiv.' or waiveT h~' l,~nrl"'r, l'tNroW!;;" ....halt po:.!.)' to l.<:om..lt:r
on the: dlJl.}" mon;hly pAfm~ntS ot princirm' and im(:re~t' :trd- pa~'a.bl-= under UI!:l ,"OtG. until t~,~ .'\Ull: 1:;. pilla in full, a
St,lm (here-in "Futlds") e!::q~lal tl) one'twelfth ut tht: )'c.erJy tS...'cee un..! i1$$~$:::mctlt$ (irr.chldin:: cOl"1domifl:~lm :t:-,d pltl:lnccl
u:lh d~Vtl'h)pmtHll ~S~f;r,.c;:met1t9. if ~ny) which M-&.>' atuiu pr'ivC'hy Qv~r thi~ ~1tJ1'l~:1ll:~ :..uu ground re(lt.. 1.11' ~:-'t'l Pt'o~.ti"
jf' .all)', pll1~ OflCl-hvalf'~" or )-'c:a.dy 5Jt'c1Tlium i~ti:lUment!i ~o.,. ha&nrc:1 im:a,lranc~, ptu!:!; ()no:~t.....elfth of )'O::l!.fl)' p:-cmium
il'l~tal1m!:l'71I.:; t'or mo:-:gagc insul'l!IlH.:e. it ~Oly, all .&.s te;'\1I('~:"';Jbly es:timated ini'ti.)lJy qnt;:! from time: tC.1 timl: b)" l~ct\dcr 0(,
rht'l: ~$i~ l')f ~s.sc:33m~nt" omd oil!s 3nd r~uon3bt= t:Gdmnte3 thereof, BOl"fQWCI' $t~<llI nut 'be c,t1Ji{1:i'r;:cd lv rn1"l~~ such
P6)'n'I<.:tl.'tt af i'\md~: l("'l J.~nd~t eCJ tbe ':::!(!~TI(. ~h;:l~ Bnrrowcr 1'1"I~k<>t. :;:\lI;'~ p~./'l':'\c:nls to thc= hc:>ltir;;:r Qr a ptiGr rT"of)rtgagc (g.
deed (Jf till~: if $t.u,;h holdC'r is 1'111 iJl:::;thu~JlJnal lcndet.
U BUrn)~l't'S" pa~.5 PIIl'l.t1.'l' r,) I,~nder. the Pu"d.fo i!;h<ill b..:- hclc.l ill 1l:1 i".'1tiuujt1O thl$ d~?Q!,iit:.; pr ac,;....c.Hmt..q ur \\hhlh are
Ltl!'tuted 01" .euOl.ratl't~e;:rJ br a 1-'edsr$.1 or robtCl .u.,Ccnl)Y (tucluding L~nG<::t il Lender i:; :;l,.h;h !lfl hb[itulivrd, r.e:ndel' i'lh:,ll
~(.l{')l.>' ,hI::! F\mdG 1(') =,3.)' said ':b.:t.er;, H..I{.<I;C"'..$S.n'l.eut."l, ll'\.!:l~rllru:e ~"feft\iuln~ Il:UJ gruu:td r~nt!'i. I.t;ru.1cl" m:'lY nf.t f~hR.:'nc: fur '-';.'
holdlrlg al\~ a.ppl)'jl'llt 'tJ'lc: FI.:l"Jds, illlal)'l:.ing ~'l.td ~t,:COUllt t)r veri.tj'in~ t1m.l cumplling l'l.,,;d A<;~~"HTlCl-lit~ ~nd bill:~, 11....Ie-s::.:
LelluCo't" Pl!lY~ Borl"'.(\wer lr.:~"e.qt '"I" the..: Fundw ,;;r.nd t'tpplic:t:lbll:l' ~aw ~rmits LundeI"' ,~) m,";\Ic:~ ~uch tI. t.'hllll'.!<:(';', R~rro\\'et :..n!!
L~7n(.!lt,r l"r'L~y ;ll!:r~ in \!t'fitin,g lilt th~ timtl: Clr ,;x".ou,tioz\ vr t"lt! Mortg~g;c t.hl:l.l intel"c1ot on the: FL..l!u:> ~hi.ll! 0" paid tf)
n()rt'ow~T, and urdo:::6$ 'f:\l~I\ ~Sl"t:ement is; made Or l:lppJic>A.~I~ !Cl.W fcquirc~ l'luc.;h inU:r'dSt .f) be: p&;d. l.cl\d~r o::hlOll 1'1I.1~ l--~
te<;u;:~cl tn ph>, Horto\'l'cr l:Iny t:'l.'tc=r.;st or ctlmjt\~'" em ~ht F1.mdR, '.onder ~hl,1J gh:/;' 'to Botl"tJwtt'l". Wlthr.Hlt ~r,a:-..~~, :;H\
al.mH~all llt:r..-':;.It)l'1t'h\g of thtf Fum1~; shr.,winiil erediu: i!lnd d<<=bHs tr,.'t ;h~ r:Ut'l.c:1li {Lnd lhe: plJl'pO~c.: (,'Ii .....hicn t:.;II,~h J'~'bjt tr.) the:
rlmd... w;a...: m$dl:". Tho.: Funds ..rl.!' pledged ~(; Additional eocut"ity far enc G1.lffil'l liCI.:Ul'"lJc.! 'by thi:: ~fc,r~~l:IAC',
l~ t.he 8;'rwunt (,It thr; FundA hold by J.~lldcr, tr,)~'thcr with the fl.l'tvrc mOlllhly i,~...al:l.llmt.:.,ts of r'ut'lds (.I~Y:.lhl!: pri.,t to
(he due d::t.tt...~ of 'aXI;:S, asscs:;:mel\t:q. i1\tilJt"1JOr.:C premi'.Jr'r1~ .:i;r./J J:\'round :,c:,n.lI. .'It,atl l.:l<il:::t:;H;!d 1ht.': amollnt l'E:ql.lrr;4 'to p::.,' !l~jo:.:l
tlf1.:C:S, lS~~'-liim~n\S, insu:"anc.:l! pttlmlum,OIll. ~I'ld. gt'l~un'd rent!>: ).Jl the)' fall d\.l~, oli\..lr,;h ,"X';l;S."; $h:a:l hI:. at RoC'rrJ\lo-:r',s. up-:.k.o:
~itht:S' E'!'l'(Irnptly ro.:lpaid to 'At)rl"()l'o.er Of" c;r~ditc~ to aarrt;l'.l/Cf on l'r'lo:nhJy insuJlmcnts (Jf 1'Ilfltl'f(. Ir t.hc: s'l"1"1.()unt Q:' 11':.,=
Pllnus ho:ld by J.err.der I".hfi;l riot be s'Uffi,'ic.:nt tel p),l~' 'taxGs, $.~ll:~=tlomernllli. in..<rur&l\lJl.' r~:'~mjlim:,'l "I'd grouod r=n~o; a... rhr:r
r,,1I d\IC, BottOl,o,'ot:r ::h~Jj pll~' to l.C'l'lucl' ::llIY ;,ImC'Ju.nt n~C's."\ol:IrY ll'. 1'T,,~kc: IIp the- di!'rlch:n~)' in on..: 01" mU'l"~ PS'~'f1"lCI~U ;,j'J::o
l.c:ndcr t'til:l,)' r~~!li rl:!.
tlpun p,'lI,.l'me;:nr in full !)f nil ..lo1mtio s<:(Oyrcd b)' thi!l ~'(C,jIrtg:lg=, L~nd~C" :$11,,11 Pl't')I~\ptty r-::f~mcl In nnrrOWI:I' a:l,)' rVllus
hedd h,)' 1..;1'Ioo;;t. rr mlcll:tl" ~l"ugroph 17 herent the rropt:tty ia :mld or the Prvpr:I':Y i~ IIl.he:r.....Is:t: .Jt,;qui:'e:c.f !,)' l.::nder.
(",enQ.t;:1' PltlOll ;s.pply, no Ii:lt~r ihaC'J imf'f'tll:dhltlilb' J,)dor lu th~ s:\lc or "the Prn~('t)' t"11' its "'C(lllh:;l.t((.\:\ b)' l.~t'ld~r. .n.y Futld:~
ht:lu J:,y Lc.:tltlt!r O'IC 'tit!- (Ime or applicatIon n.':l '" (:r~it aS3ingt the: ~Um:i sCduted by thi:; M()rt.g41gc,
J. A,p~lic3ti()n t>( J>a30'menu" ~;~<;I;!p~ (()r loanfl m;:"do;l; P\,ltS\,l.$,n,t W Lln:: Pl:!nn::.).i...~l'l:a COtl:!;eJrT1"l'f l)i~i;OI.HH Cump"ny
Act. ~1I p:t.ym<l:riu. ttl:Clclliv",cJ by I.~nder undel' the: NcltQ and pas.rkgf~ph~ t .;'nd :2 h~r,=l,)r ~h::l.1t b~ :,lpptieu b~' 1.l.'ildl:!1'" t!r~~ i:"l
p~Hn.;nt ()f a.(ri.t"J\lllt~ ~'.1:t.:tble to l~ellclcT b)' Rurro'ol'or und~1" piH'llg'l'lto(lh 2' ho:r~or, th/;':'\ hI ;I"ltl:r(:s~. ~1'ld ~hl:n fr,' tho:
prinC::\pQl,
4. priur l\rOC"t'~"8e;ll: and Deed of Tru.5t: (:h81r8(:$; I,.i.c~a, Horrowc:r shall pt;r(tlim 011 of B(Jrtowcr'~ Qbli~Ctt:(1l11:'l
l.Ir.dt,,\;" .:11'1)' rnnrtg8S'Cl. d-::c-c..l ut tt'U:it ur o~hr;:r sCC'urit)' "'J:rt:~ment with l:l lit:n which ha.~ pri(~ti~)' tI"'~r t:I;S Mo-:"~.ellgr:.
it':.aI\JQ.ing UOl"t'owcr':f c:u...e:n:a.MS to n~~kQ' Vli,rm'#flLS when due, Rtl'r().....~r e.hAl1 pay Or t::1\I~ tQ ~ plJ.:d 311 Ui"I\et:,
ll.SS~t'l'lCi'1r.:-~ af1Q r.H-hcr charge-fl, titlCi!S tlncJ impositiotlr. anril:lv'ta'blc to the: fJrtlp=rl.y Il'h1c:h may :sH:t.;n a pr:f..'lri~)' OVq ~hLS
MC,.lt"~gcagl), tnd 11:'a:1~hl)Jd P"'ymttl':s Of' gt()~lt'\c;i rl;lMG, iF ttfly.
$, Htlio'.illl'd In:'UJrl1n<;c. Bat'rowc.1'" :sh~tI 1c;e-~p rbo Ln'lflrUYC!me!H:> h..)w wXlt:.tifll.:. l.J:r' hl:!i';:iJ.t'~t:r ::rcct::,j C'I:': lJ;l::! "'f't'lI)'t,;...~.
in;;urt;:-a ag.uit,,$( lu.'I':'1 hy tir!:, hu.z.ardl& if.llJludccl wi r.hin, the eOi'm .'~xlt:u-c.te:d C'()ver.&.llt.:," 30(1 .~;~II:h fJ~hcr ha;tat't:3~ Klol. f.C'n~~~r
m...y r'l:lC,ll.:i:rl:l, .
'{'h~ Inst;(~;"J(:e e:nrrtt'!r PfY)\'uJins rho- Jrtaur:ina;t $~udl ~ cltC);m:n by :;PI# Hoe'ru"'r11" ':;UQ~: tu fJppro\'.:aJ b} Lenderj
provided, t.hi\t touch. 3.ppt'o....o.l $hfJ.ll :VJt bo unrctlsotl,~bly withheld. .-\11 iJ)S\,lf;;Lnlo:f# .pt1J1~jt;S <trill rc:ttf;:w:,ls d:tr(;(J.r sh::lll be in
a ft:.lrm J1(.I;'C:jJ'i.abr~ tV L!;n4~t anti shall ,nc[uda If. ::und.;ard mortgage eIO;\J:li~ ;n ftl""or of ~nd in II Fnrm !;l;:.....c!::H01ble U"I
J .enc1c:I", r ,el,d~t' ..;:h",jl h"i'o'~ ChI; right t" h(lld Ul~ pr)lit,;jc~ and tetl,ewAlt; th~rGof, ~)ubjc~t tu th~ ;.l.lrl"'t).5 f"~f 4:1)' ",(')..-tt:a~':,
dc;c::c.! CJr trl~t or Iltfll::!r .';l::!l;\JriU~ agf!tt:ometlt with 1"0 I,it:\n which ha.~ pl"lorit>. ov~~ thh ~Jc,'~...t,l;"-~~'
07~71'91 MOrl9"S. "'/fIt
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ltn the ClV'Cn'l of lost:!. 'Bot-t-ow~ <<hail eive promp~ notVc';: 1:0 the ina'Uot".;..1\c", c:u'-nl::f" artd lJ;nder. Lender' f'n~y r:r,akc:: oroof
of loss if nO'J mado ,pTOmptly hy .Eco-t't'Owcr. ,
If th.e Pto~y i.s .bandoned. 'by Borrowor. Or i.f 33o-rn>Vo'er flJils ~ l'"~p;Jnc:! 1.1:1 LcE'\aet' wLt.biJ\ 30 dayS t'tQ1"f1 the datI:
potiQ';: i,; E"t\ai.1cd 'by Lcnd.cr to BorrOwer that: tho iD.5vran= I:!url~r orf''CP: t() SCUl6 a ciaim tor inSUrBnl,): bencfit:!l. Lr-t\dt.:t' is
authorized to col1~ ...nd apply tM iD5\l.1"~ pre.ct;cds at lM'tdcl"'s option clthe.r to I'CS'lQt'a.t:LOO or repair 01 'Ehl!! Property Or
10 'the .\\",-8 SCC;1,.ln:d by ibis Morlgaae. '
6. Pr-l;$CfV.a1;OIl ~iCtd M-taialC;:aa.lW<;l 01 property; LeA.51chohb: Condominiums; PJaJ1D~d 1.1.o.it DC'vCllop'tn~"t~
Borrower (;hAlt k.c:cp the. Propt:r'Cy in ~ood tcpail" and sb.aJl not oommit; wuw o. permit lmpairmcm't ot' dC1crior"'-ti.Qt\ of
tbQ- Prope:tt)' Dr\d. ah.U CQ-M#:r with "the provisions gr p,D)" ICtZl..'\110 it this Mortgage is ~ a ')~hold. It 'thi$ .\.Iortga~C' hJ o,~
a UtU1i in," coodomi.nium. Ot a. f-lanned un1't. (ll!lveloptrle:nt, BorroW'et" shall perform all of BonowC"("s obligations under
t~ d.eclandork Of c;ovet1An'ts c;.ruting ot. co"orniC& ,the C:QnOotnim\)'(l'\ ,or plbnned unit dl\:velo-prnent, th" b)'..tawe and
:nsguJ4rlO:nS ot ~hc condQ.mEnium or plann.o:1l.lft:it d-:VoZc)pl.runlt, ~d c0n6.qrUetlt dOl;UMetlts,
7, Prot:ee:tion of Lcna.cl". SCfPl,Irlty, n '6orrawcr l.alt$ to po=rlQlirn th.;: c:ovc:OiU\t3 ra.nd agl'~mel'\ts c.t:.m.-it'led ir. this
Mortgage, or if an)" acot:;Qn or pl'OC6Oding ill eom"",~ which materially atret.:~ ~nd~r'~ intet'e30t in. tho Pro?CI"tY. thr;n
Lcnc:h:r, at Lender-'a option. uIXln notlc:o 1(>>, :9orroW'>1", ma1 make such apPclu.."t\Ce:s. disbl.'r;9;(: S\JCh ~un"ls. im:lvd.in.&
reasonable attorneys' r~. a.nd tal(e .$uch 8.;.dQ:r:L $a. is nClOCl!lat6t')" 'to' protect l..cn&ir's iQ'Ct;fdt.
Any..rrtQtJfl.'ts disbut'SCd. by Lcn~C"' purtu..n:t to midi p4t"&gnIph 7. wim interest ~h(:tcon. .Ilt 'tho ~ontT.aCt rst;c, .:d1.all
bc:OOme; addit.ioaal i~b't.ed.nc:M ot Borrower secur6d by t)"ia MangaBl!l. UnJr:$& :Bof'ro~t and Lcnd.e:t ag.:r~ 110 o1:hcf'
toc:t'1nS of payme:flt, guch amounts sh.tn 'be pf-yable:: ~ noti~1l' from l.A=l\atr to BQ't'f'OWCf' f1:'i.luc;sti~ payment thO'eCQf,
KQthi.....,g t;.Onte.iflcd in this paneraph '7 f-hotJl 'l'Cqui't&fl Lcn~.r 'lQ itlc-ur e.nY c:ll:~w;e or tako ~dY 8..l'nton hbr~undcl".
8. 1u.'JW:Cdoo. Lcndot m.ay tak;$ or C&USC!l to 'bc;I made. ~1'iablo I;:Jlttk09. upotl. and inGpeCtlons or th~ Property,
pt'avf<:h:d. that ~det" sh4U &ivo .Bon"~'fV~ f.lotiot pri"l' 'to any S~h Ins~tion .sp;citying ~tla.bJo ~Dv.:;e Ih~t.'e:fot"
rchllO:S ~ ~de:r.$ Inmrcat iu the ProPC!l""I:)'.
9. CODdomn.tiOD. Th.e- ~ of a.n)l award or ~lllim for dAmageo. dit"oo; or l;:Qnsequenl.;.a1. in C:Qm'\~tion o;r..ith ..n}
cond~mt)~11:10I1 9. 'Other bkir.t.S 'of the Pl'ol?"~' or par~ thereof. 01" tot' convcyan.c;.: in litu of ~ond~tnnatir)nl 3.r15 hcre,by
&!:Signed ,e:nd. ahaU \;lei J)8i<1 to I...t:nd=rl ~'bject to lbl!!: terms of any rnot'~ge:. de.cd. of \.i"us.~ or O-c.hl;f ~'Jnty IlosrQe.n'I~nt
with 8 U.on whIch !Ns$ Fiority OVtf' thi~ ;M.Dd'tea~.
10. Bortt>wcr Not Rele..t:e4j r()(t),e-aranoc By l.A?adcr NQt ... W..ivt::t, Ext~sion ot the 'time:: tOt payment or
moditiClation ot ax:nonlZQtiOQ ot the sum$ ~utcd "by thia MOrttll8OC: gran~ by 1.t;.no~l' to any $UCceesor in interest of
Borrowc" shall not o.:peratt:: t.Q .rol~l ,in Any r'1'1anner, 10M liability of the origfnaJ BorrowCiI" and BoTfOWet'"'S suc;o/;l:S$Ors
i:n. .in'tOrdL Lc11dt;:l" &had!. DO(. be f"CCluin:d to eOP,:'\mettcc pr<x:cedi-ngs u.p..nm: su;:b $UCCcssor Or t'cf\.w.: ~ O/#1l:te:nd 'time [gr
pcym<:-Q't or othCTW;'~ tf1.odlt)' Amo%'tb9riO%l of thl:' -ClLllnS sr;.ro~ by s1U$ MorlPSO 'by /-C:.ltBOn u.f aD" ~rn4M made b,.
1hc;I vri~n~l BoftQw.;r Md; Bon-owet"s -9\.ilCCesson. i", Interest. Any tor'beo-ra.i\Ce: by Lc:rl':ldc.t in d~rc:is;ng :any 'l"ight or
rl:medy hcn::l,,1rdcr, or o!:'b.erwlSCl .tlorded. oy lIpplio;.'bIo Ia.w, sht.u .f)O't be ~ '9.'.ivct" of UT ptc:d~ the CU;t'Q1:;W; 0' o\-ny
sw:h. rieht or TClmedy.
11. SUooeSIlOU .qd A~ad.pl!t BOu.:n.d; Joint *Dd Several Li.bUhy; Cowsilj:Qa'fs_ "1hc: ~oven.!ilnts;: and a.tree-tnoo't$
h~II.'eiA contait'll!ld shall bind. and the righ't$ bMCunder $ban inun:: to. the ~ivc G\W';:ClSlSOt'S ant.! a.$l!ligns of Lct:l:dllU" and
BottOWII!l'f, subp;l. to the provioions qt p6rcl1;t&ph. 16 liereot. All covl;!tl.$nts and ~~men~ Qr Borrow:r el\ul be joi'lt
and scv~raJ, Any BonQweC" who oo""'$ign.s 'ttai$ Mo~*,~. but dow t)Qt eltO(:utJ:I the Note. (4) is l;O~e:ignin8 1:hi~ Mvrt.pge
only to tnOrtg3SC, grant. a.nd C'onv6y th.!.l 6ort'Qw~lS, intet'CSl in 't.hG Propoert)' to ~ ur.dcr 'th.~ tet'tn~ of 'thi$
Monza)tl;\'. (b) is not ~1:y l1ablo on. the- Nc>te Cd uncUt t.his Mott~ze. and (l;1 ,fl~ t~1: Le-ndc.r ond. any o~her
Borrowc:-r nere:undr;:r t'r!Ia)" ~ to C2rtCnc:l, Modify, fotbc.ar~ Qr make any o-th.er 8.CCQr"nt"t'lod.r.dQM with (,e"gofd t('J the
'\.ef'ms ot thJ$ MOr1:glltge O~ 'the NI')Ul withou't. t.hu Bos;roW'I#'" C()n,sc!lnt *Ad witb(Jut releasina tha.t So.rrr:awcr or modifyin.&;:
lhie; Mot'tpp ~ to 'that 130I"'tOwcr"$ in:tu~ in, the 1>t'OpCf'tY,
1:2. No.1ice. &r;;t;!pt tor any C\ctlco reqUlred uo.~ a.pp1i~",'bfo la.... to be given in .nother mllnne.J", (a) any t"ta"f.i<.:c to
Botrow~ pt'Ovidcd for in t.his ~tta.llao sh41l 'be give.D. by deUvcritJ.~ ic. or boy mailing ~uc'h not.ice by t::c1'"titied mtL\t
IIddT~ to &f1'owc.r a:t. the P1'OP"ty AddrclS3 ~r at such o'th$I" 81ddl"CGG N Borro,...I;IT t'l'tay d~pa.tl! by nodc:.e to Lender
81j. prQ....idod b<lrC:=~r'l.1 Af),d (b) ..ny notil;:e to LAmder ~lJ 'be give.l\ by cet'titicd. muil tc:) Lcn&:r'e .:a.dd~ $tatea hC;I"l;ln t"Jr to.
such OthM addrep,KQ Lender tnbY d~:dJtAA-t$ b)' noUoe 1:0 BorT'()WM as p1"ovtded herein. At\)' .o.Ot.ii;", -pra....i.dc=d fo.r tn ~hir;::
Mon.p.~ .moll ~ deemed 'to have bc::cn .-ivd.l. to Borrower" or ~ when giVUr. in th-= ('('i2nn.f:r desi.PJl1c=c1 hc'l"drl.
13. OOV6:t:a.ioa L.",; Sevcr..hilh:r. Th.o cna.te ancllOQal law.5 appticablo to this M()rtp.~ shall be the I.U.'9 of the
jt.U"'i$dic-don In whieh the Pt'O,poc:tt;y i.flloca.tcd'. The fore,go!o-= s.=t'.IttnQC 511.,11 not Hmlt the awlic::a.bitit)' of .t-'edcral law 'to
this Mortgac:c. In ch1!:; cv.=nt: that' 6dY prOvision, or d.o.U$e or this Mot"'t,S:age Qr tl'1I!:: Note ~nnieta wi-c.h ~ppHcablQ law, SI,.IC1'1
QOnf1iC1: shall noe Attecl. othet- provisions..of ~.!. Mon.p&t.C 0'1" 1iho N~ whit;h can. be Sivc:o cttGQ't witholfC ~h~ l.>>1.1fliccin~
pl'ovit;;ion, and to 11:",14' ~o:f tha pr-ovisioDS ot this Mortpp .tl:d ~ No",,=, tII.:fC -dt:Ct~ to ~ ~vm'.ablc. A~ ~~ ~ln.
"e~w.:' "e.X;pcnst:G" a.,"Ld -a.tt:onulY.i' fees" ioclude aU sum:s '1;0 m= =xtQ'nt not ?"t;*,'eXtt;d by 4pplicablo la,w Q~ tifD-ited.
herein.
]4. S,Ot'ro'WCI'.s CupY. Borro\V~('" lSh511 w tutfliBhcd & conrCt~e4 r:op'y ~ l~ote .Ilin~ ~s Mortta.s.c at. "ho: ume
of ....oution or oftet tccot'd.liO<l'l\..t=f.. " ": , ~OGK~4;...a'AG'" ~4
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15. Reh..bilitatil'"m I-o."'n A8t\!;:6me-Q~. BOrrt1Wo::r shl:.ll fuJrlJI 0'111 or BQrrm.l,'['!r'~ f,lbJi8::l~;t)(J~ \/ndel" ur.~' hQ:n~
rchabili[~Tinn, improl,h'~TT1'\:!:-n:, r&pl1ir, or othOI" In:;:n ~ol'l:c:mr:n1; which 81.1f'!o.....cr ent=-rs i:'lto witl"', I.cr,dl:':-t"', L~ndl.., at
Lender'" oOpthm, rnlJ)' r~vil'e Horr-ow;r to C:<~Ut~ ~nd dctivc:r t() Leudf.\l". in G. rot'"" ~"::r.:e?,!~\;-l<;, lU !.ctHl~r, ~l'\ a!l:'li~nrnc~t ...
or an)" ri.-;b.:.:l. c.:[i,lim~ ur dettn~~'i which Bl'Irrt.lwd:1" may have .:l.(ioin:rt ~rtic."i who ,.up,J!t lalx,)~, mM.t:!f'i.llt~ 0.1' !;t::,\'j~,,1:11 lt1
~Vl1.nc~[io" with im()t't)\'~ml;:n-:s Made: to the PtO~t'I;:t.
16, "r'rander c)I the PrupC:Tt)'. if :ao.rfJW~r soliN or tfoln);(c.:r.l; :.11 (.r .lit't..... p:;In of ~hl!l r'rop-=:-t)' ()t'" "~tl ,nC~t.e.':;C
cll!;:.C'o;:iF1. c-:!Ccludr~lg (4) thc C::l"~.ilth'1ll or a lic:n or onmlmh:-i\I'l,,'e ~ub.~rdtI'l3le to (hi:i ~'lor't~~.i;e, (b) Il tr~l"1sfer hi !.,1e~'j.fll::,
desc-r:nt, nC' br opcratkll"l vf law upon tbt:- dC8tn 01 <l jol:'lt ':r:-l'I::int. (c) th~ s;rant ()f ~(Ir !c;,I~hr;)ld :ntt:rl!;<a of ThrC:'~ }"lU:l flr
I!:!'~ nO( cnntlfi(Jinp; an optiun ~n puroh:lSe, (4) the I.:rclI.don uf ;: PUrt;h3Sc !':'Ion!::)" S<:'Cl.lr.it,). in,t=re.et fyr h(l\~",~hol,j
:'ppH.ancc.""" (!::) a trantf'cT to Q telatiye:: r=~uJtLLJt. rr~')m tho d~th uf ;I Bot"r"O""'er, (0 l:\. !TI1n:~!C'r w::ero;: ~h;: ~("'(.,~:~:: Of'
t:hiJdrerl of thr,. B(~Trt)w~r b~Jomot: :tn ownc:1" ot the p(,Oi'C..t~'. (g) .s tl"~nt.fQ'" tesulti:ll:: rl'\.,m is d!:~I'~1:: of dj~''''~J.:..if.Hl of
mlil"riegc, :C'g:!l.lli~p:Jr..Uun ~gl'eerr:.l!!l1t, OJ" frorn :l.n inciCell~l\! propt:t't)' $cttlcJnl:;fJt .:IJc:Tt;r:ment, OJ V..hk~h the: ~polJe~ ~,f th<:l
~"ro\".e"t" b~c(.lm=,. an OW!":!!:!r of the pr~'p=rt)', (h) a tT;;1nstcr into un lnt~l' Vj\'tl':: rrLl.:.""t in wtdc.:Ji ~h9 ll~:,t'.,\~".;l'" ..'1' .\ucJ
rem;linE lI. b...r'l~n<;:i3f"Y 3tH! Wh\l'I:O dOi;:t nc-.>t rc:la1.l;l t() 1,1 Cram:;'cr ot rigl1~s of (J(..Cl.Jp.llrl(:,)" in the ptvpeN)'. ('It (j) I:I::~' '.'thel'
tn,,(lst~t (;::or dlsposidot\ c:l:~r.;ribCl".i itl. re:gulatJonlll fll"~$L:ribcd hi th~ Fcdc:nd Home C.Ooi!irl Sa:1k. Bottrd. '~("I:"rr,m'r::r ~h;"l.l:
Ciil~ ~u be: submitted ;nrortt\~ti:ur. rt:quited by Lender In c:v(llvatc- thd. trarlnfcrc!: i!!l l' .'\ l".lt;':w lo::an we-...<: b...jr'l~ rl"H~dl,:! \u
[h~ ~ran:ifc:r,=,c. EsuC"nn..'=r w1H continu<=, to be ,>talig!ltcu uru.1l;!r lhe: i'\:t,toM und t"i,!l ~lnrt~8&C: t;nl<;,~ L..:a\uer reh.::J:.r-.f:s
Rurrowcf i fl writing,
I! r,end.::r docs (lvt OlXft!e to BUC!\ r.."!:lrt or trl!lIu.f~r, Londer ml)Y del.l!!n. all ot the: ~um~ ,lo:l..-<':\Jr~ h)' thio.; ,\'iol'~~.;lge :,~ ~
:mrnec.'li3tc!)' due :In,! pal'!11::I~. l~ Le:ncJer t::-.:erci:;:e-J sut:-h Qpti()n tn II':Ct=:c:race:, LC:rlder :>f1.::aJi rr..lIll BC.H.I'C).....t:( n~j:ll:1;:: of
)t!'t;eletl:l.t;"n in Jjc<:(.Ird.:ltlc~ wlth. ptltll.grilpr. t2 hcn::vt, S\It;h notice ~hall rot'CIvi-:.fo:: ~ period l'1r rl(;I[ ieu: th.n:,,\ 30 cll:l.J"1i;. ~:C>m
-;he d.:Lt~ ~h~ n.......ti~u it. mailed 01' ucIjvll!rc:d withl('l whh.:t\ 'BoL"ro.....e:r rt:21)' p.l.y rh-.:= !:\Jm~ cJC!,;lorcd dul'l:. rt l'}~'J: wVo~r C::lit~ ':0
~;:)" ,$lJ.(;'h -9umft prlr,r to the:: ~~pirMIon or -Nw.:h period, t.t!on4'='f IT'ltL)', .....i.thout rllrl.h~r llCJl:[(,'e. or f.1t:mal'ld ~lrl fklL"rowo::!'..
ir!'vuke a(1)1' rt!mediM$ f"':rrninl;lc 0,)0' p31"iSIsnph 17 hctoot.
S'Ol\:-L'NIF{)f{.\1 COVE:-"~.\.NTS. Hnrnnvcr nnd 1.~lIcJt:r further CI)"'c:nam atld ner~t;: as fOllaw!:i:
'7. Acc:elcf.a:tioo; R~mC\'cHos. p..(r.:~pc as prt,viderl in. p:s:r.agouph 16 h~r-c~.>t, Upun BOr"..o.."er's bro.:a~tl nr .!I.r'lY
cC>....cnat1't or I:IKn::.;:men~ ot 'RorS"f)wer ir\ lhis ;\1(')t't~.ir:Q, includinE the ~O\'cn;!illt~ eo pay w!'aen du~ on,)' olI.l.!mo:
seC:\lrcd b)' thh. Mocttatt:. l~cnder priC'U'. to iIIc<<,:.;:Jc:ra1iQQ .,h~U cive tlt,~ice 1'(1 3orru.wt:-r :lI$ provided in
(1J1,..agf'aph 12 h.\::l'r-cor .'\lp~itying) (1) tbe btea.r.:hi (2) 1.he 3ctl(ln reo'}'u.i.rcc:l. tc-, eutc :ouch brcovh; U) a daloC, nut
lest. th;l.n 30 daY~ lnun th~ dillt~ the not.lt;e is n;:lltlU'C'd t('J BC)rr-owc:r. by \.vhich iuc.:h breach rnt.!:l!'t be cured; ill"lcl
(4) tb.:;lt: t~HutG tu cure 5u~h brc.lIIcn ('10. CJt lu:T(,rC' 'thIS tbt~ sp,=,C'Uicd jn 1he: nl:o'tic;~ ma)' t'1!=$ult: io ac.a-:cll":rlltiun
ut lhC' .sum~ ,..eeIJrol;.:;I b>" ttli", ~((~rt;:a$iC. r",rer;:Jol!lut't; by judic.i2l1 pToQccding, .and o:aJe ~r the Prf-Jpe-ny. 'f),=
n<)tic~ $hOH tUr'~he.. inform Borrl{,,,wO;::1" of the right to rcinstatC' .ahl;'r V1coeLeruiun and the right tlJ .o:;'$ort in tbe
r,urcoJosiJrD p,ool;cditlK thl!! n()Ac"S:ILIl!T1~C rJt a def:urlt or acy t"ltb.cr derenso or Borrower t(.) /!c~eh::t'aLjul'1 anC
rorcc::Je)st:lrC. 11 tbe: breach i~ tlt'lt l;ured On Q1' before the date; spec::Hiod in tile notice. Lender, :..t Lcnd~J:"$
np'f.lon, may d~clare aU t,1( the ~UM,1i .Jecut'cd b). this Murtgl#ge H) be: immed.i,l:ft:c:J3I dlle and p.:z.yabJe ''1ithou1'
hlrtnn dem!llnd aod mQ.)' f()te~lO,:;o t;bi:;, MurlJ:~'gc b}' judh:ial proceeQlns:, Lender $h311 be en1'tl(,:d U.'I COIJCl'l:f.
ill stich j:'r"oc:ec:d.{na all elrl:pc:t\;:fol;S of forcclol;tlre, incfuclinB. but nC."I't li:nit~ci tn. rCl'sunllbrc 81HJotlH:.!o'S' fet:$ .<l.nd
l:Oll;tll; of dvcumtlntar)' eVlde:nc:e. Ztbstu,c:ts and tit1. r4;:pOfU, .1
J 8, f$nfTi.tWcr'l: Ritht t~ .RcioJSI.llte, ~o'tWtthr.~ilIl'\di.nt 1.end.;r's ~u':cc:lt::r.;ltitln ()f thl:l' ~UfTl:;: b)-' [hI:"; \\.1tgts:;:ze;..: QV~ eu
lwrr('I\\'~r'... breach, BClrrnw:lt shall h.a..'C' the ri/.:.l'l(. lI.J have 1.ln~' prCX:f:cdi:ngs bt:gun !:oy Lll!ndcr to e,ntl,)rce \!m: ;-"fol~I:;:!.)r;l;!
di~'rI1'I.tinucd A1: ~ny time pr.ic,IL" tfl lffltry elr It judgmct'l't cntorr::n8 (hit.! MQrtf;ag,e if: {3) Borrow>:r Po)lf::> L~n~=r all !'l\~m~
w!l;ch WQt,Jld 1:)c th~n d~,1:' llfU,kr ~hjs MI')l"t$ilt;e f:lt,,J lh~ Nt,)te h:td no 3.Ccclt':l"l!ItiQn Qccul"r:.:d; (h) lj:1)~"'''n-.:~r ":\lfl:!:; ~Ii
brea(:'J,r.s Ctt Wl"'.;j' (.1thco(" t:-c~\'=nantS ()r Il.grQotrl.C'tlt.'t Qf' DOuQ.....~r ,,'oneafne(! iu Th;$ Murt~~gd: (c) J;;J.Vtn".....lO-r p-'-:-.~ Il.:'
t"l'.1aso:'l.l:f.blt! o;::llpetHle;oil in.c.:vr:"d b)' 1....;n,j(:r in c:nrr'lt'(,;in,e tht:' Ct)'/S;::n1U'US :iltld -1\gl'eernt:n~::: r"F DOl"rQwt!or <;onr..Ilinee,J: i:'l '111',(
~'Jurt1::agCl, ,)"d in ct\!nr<:iUg I.el".C1et'Fj rc:mcdic!C ;a~ pl"Ovic.,h:d in pat4t,r"ph 17 hc.:r=nr, ir,<:Io..Il.l,itl", QU' nt)t limited .tn.
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Colt tllis Mo('tg:.1li:=, r.l;'nd~r's i1"lt4!rc!st in. tl'zu Pr~)p~ny .1tlcl Bc:.1rfOWer's obli$atioo tt".l t'lit.)' the ~llms $C'(':~Jr-;d by tln.lo: ;\1o:'':~lIgg
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hl#fe:DY sh/:l.JI rc.:main in fuil 'l..n.:e and crtt:~t as it t'1CJ :acc:=fc:ration. had r.l<;I)Url't:d,
19. A/UllJ.nmc:tlt ur Rent>,;:; App~in1mcnc (It R.~ecl....et. t\Ct l)OditiCmOiI :'.c:q~rjcy h":l't!llm.l:;:r. B'lrrnwe:r !"'Nt:;,)' oU;.;ig;1l1l'
tU ,1..t:ndi!lr' Ihfl rf,'!nt~ o.r :he i)roi'l$r1y. provided thQ.~ BotttJwer I:iho.lI, Pl.jut" '1.1 <:Ic~ltlt::(,t:ltll~n ~ln,Jr..t pal':!~rar.h P hlJr"c<,f. in
abandot'H''f'll:lflt of ~h~ l"l"'OPQ(l,)', h~".l;l; ch.; fifthL m collect I!Ind Tt:tOih'l .sll~.h r=nt'S liS thilt,)' Io:.tl'c:omo: d~le ::Ir.d p~>':ll;oJ~.
tJpcm ac;;clcr:stir1n un.deL" pari;:l2Tl:lph 7 her~ot c,r ah.1ndnnt'l")Qt'It ut the "pCOpet1,)', LrSnat:'t zl'\lllj (1= enti'.lcd :.~ ~ta\''.:: ..
rL:!:'~1...to\r ~ppojllll'l:c.l h~ It emltt t.,) t:nter Upotli, t:tKe posse.........inn of ant.! ml2.n~gc the Pruper1;)' and to CUl:c::C1 tl"lt: femeS ()f tilt::
P'ropert)' ir,~llldlf'\S thoD-to' ?,OI..St due. .t\l! rento cotlc:etcd by thCl r~ch'cr .':)hbll b~ applied. tir:s\ to pli)'m~n': of till; (':O:H:1 C)r
m:ijn.a.semlJnt or ~he PtoportJ.' .!u'uJ ct"Uecaiot'l of r~nts, including, 'bUt n(Jt limited ty. rt:c1:liveJ"l'; rl,:L:<;. ptcmiucr.;\ :111
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liabJe tu ~l;(,.lUVrH unly rnr thOSe- rent" tlctV6.tly 1"t:'Cc:tnx1.
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..~. (Le1eaSl;'. Upon payment ot ail $1.I:rn6 ac:c;wcd by 1'P)1I ;:"'!ort~~. Lonc!eot Ehall release ihis Mor'l:taae. ..itlu)tlt chs.t"ge:
to. Borr'Q"'VIt$t. BQfTOwct' lJha.H pay ~1 c05'U; of nx;otda:Q9n. it &t\y.
21. W..ivc:r of .uotn.Q:i'Caatt. B<irrcrwc;" hereby 'C1ta.i:vcs A11 righ't nt homestead cx=znpclon in th~ P/:"Otx'r1)" undQr ~te:te
or p~et"a11aw.
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Now or In ar"l $Cuon or tnort$lge:..t~l~Vl"4!l shaH 'be the rato Zitatod it. m..: Not.e.
. RiQiiES1;.FOJl, NOnCE OF P~PAUL T
. ,AND PQRECLOSl.m.li UNPi!R SUP);:{UOll.
MORTGo'\o.GES OR PEEDS OJ' Tll.UST
BottOwe::r and Lenct.::r ~~1. the bold<lr of 6.n.y mQft~age, dbed of tt'USt or oo;he-r enr.:~]1"r"'I br.mc.."'C with i1 U"'tl whi~h h~
p.1"iontj OVu this Morrwe to giYG N'oti~ toLcnrJq-, at 1...cndc:.1"'s &dd.rcas set fotth on pl!lgc on.;: of th1s1vlol'"tga.ge. of t'n.y dcfau\1;
unQar the s\1p6rior eoCUftl,b~ce Ilnd of an)' $ale or I)met' for~IQSurc 8.c:ttiQn.
....~~~~.."..... Srate of Pe-nnsylvanla }
_.r77'~: ~~.::; OQ' ,County of cumberland SS
.....,J.~~.;,. .:;:0'7. .... ~ecQrded in lit cHit;:, for the rocordlng Qf Dead:!;
I~' ~. ."' " ,~and f arlaM C'lJniv. ~
rift, ,~' ,soo 0 _pag~",\~ EOWARD P. RE:t5INGER
, ';;0'." . 'Vh"." ~ t7 d-,~OEC=ASED) ~ .
. .h~ day 1.:'& .
'~ . j , 4&'7"' A~ .. .bu./ t: --:z ~--
.: 0001' 8p.ReARA A ~S'I 'f-B.m-..
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"t'ho. ,be """';.....dd..... of 'ho ~ (MortSllJlO<:);" HOUSEHOl.D FINANCE
26 GATEWAY,ODRXVG.'~ECHANleS8URG.PA j70~5
On bohalfof ,holJ:tl40r;:Sy: M.p.:..,: ,>lEA"A" I Tltl",BRANCH";.;ANAGER
COMMONWEALT1l0FPSN'NS.YLVANIA., ~........'" COI'"'r.'"
1. ANNE A STAFi=ORn . . a. NDCIiIt'Y Public it\! and lot :!laid (:t)Ul"tt, and $t&tc:. do hcrcby ccrtity that
EDWARD A REISI~GER & BARBARA A REfSING~R
pt;::'r$0n.8J1Y known to me to ba the SlIm. ,pcr3On(5) Wh05C .l'l*,,^c(s.) 8 r e- sU~r'ibcd tQ the foregairlg instrument.
Appco.,-ed bcfoto rt'1e thi~ day in pcr-eon, ...nd ao'know~tlc:tgo tl1al _th<i_ t$i.arJ.Cd and dcliVQf"t:a the s:&.LG iJV"u\J.m.l!:n~ oS,;
~ha-ir f~ voluntarY' AQt, for t'he: uses v.t'ld p~ therein $et forth.
C-nv~n 1J.nd=- my h;tnd and o~ficial~. this
24th day ot AUGUST
. 19..n.. '
My Cortu"t:ltssh;u"& ex.pi.rccli;
~~~
I Ot4ry JC ':PI
NOtARIAL S&H
AlIN!A. STAI'FORO
,~~_lllS:SlONliR Dr OEEOS
.., llIIIOlI EXPIRES Al'RI~ 11001
Jl"his iost:rume::t'l.t was pt"cpl!l.('cd by:
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HOUSEHOLO FINANCE CORI"'CRATIOIf
25 ~ DrIve, St.IIte 107 ,",
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December 15, 2000
Barbara Reisinger
353 East Fort Street
Shippensburg, P A 17257
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
This is an official notice that the mortgage on your home is in default. and the lender intends to foreclose.
Specific information about the nature of the default is provided in the attached pa~es.
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (}-IEAP) may be able to help to save your
home.
This Notice explains how the program works.
To see if HEAP can help. vou must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY
WITHIN 30 DAYS OF THE DATE OF THIS NOTICE, Take this Notice with you when you meet with the
Counseling: Agencv.
The name. address and phone number of Consumer Credit Counseling: Agencies serving: your County are listed
at the end of this Notice, If you have any questions, you may call the Pennsylvania Housing Finance Agency
toll free at 1-800-342-2397 (persons with impaired hearing can call (717) 780-1869,
This Notice contains important legal information, If you have any questions, representatives at the Consumer
Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your
area, The local bar association may be able to help you find a lawyer.
LA NOTIFICATION EN ADJUNTO ES DE SUMA IMPOR NCIA, PUES AFECTA SU DERECHO A
CONTINUAR VIVIENDO EN SU CASE. SI NO CO E CONTENIDO DE ESTA
NOTIFICACION OBTENGA UNA TRADUCCION IMMEDI teESTA AGENCIA
(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARG M~EO
ARRIBA, PUEDES SER ELEGIBLE PARA UN PREST AMO POR EL PRO L 0
"HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUB SAL V AR
SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA.
HOMEOWNER'S NAME(S):
PROPERTY ADDRESS:
LOAN ACCOUNT NUMBER:
ORIGINAL LENDER:
Barbara Reisinger
353 East Fort Street. Shippensburg. P A 17257
713303-00-9706017
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'CURRENT LENDER/SERVICER: Household Finance COl;poration
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAYBE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGi\GE PAYMENTS,
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE:
- IF YOUR DEF AUL T HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL,
- IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE
PAYMENTS, AND
- IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYL VANIA
HOUSING FINANCE AGENCY,
TEMPORARY STAY OF FORECLOSURE--Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgagefor thirty (30) days from the date of this Notice. During that time you must arrange
and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this
Notice, THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS, IF YOU DO NOT APPLY FOR
EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE
PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT." EXPLAINS HOW TO
BRING YOUR MORTGAGE UP TO DATE,
CONSUMER CREDIT COUNSELING AGENCIES--If you meet with one of the consmner credit
counseling agencies listed at the end ofthis notice, the lender may NOT take action against you for thirty (30) days
after the date of this meeting, The names. addresses and teleJlhone numbers of desig-nated consumer credit
counseling agencies for the coun1;y in which the property is located are set forth at the end of this Notice, It is only
necessary to schedule one face-to-face meeting, Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE-- Your mortgage is in default for the reasons set forth
later in this Notice (see following pages for specific infonnation about the nature of your default), If you have tried
and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the
Homeowner's Emergency MOligage Assistance Program, To do so, you must fill out, sign and file a completed
Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling
agencies listed at the end of this Notice, Only consumer credit counseling agencies have the applications for the
program and they will assist you in submitting a complete application to the PelU1Sylvania Housing Finance Agency,
Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting,
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT
FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED
AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE
WILL BE DENIED.
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CURRENT LENDER/SERVICER: Household Finance COI:poration
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS,
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE:
- IF YOUR DEF AUL T HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL,
- IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE
PAYMENTS, AND
- IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYL VANIA
HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE--Under the Act, you are entitled to a temporary stay of
foreclosure oil your mortgage for thirty (30) days from the date of this Notice, During that time you must arrange
and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this
Notice, THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR
EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRlNG YOUR MORTGAGE UP TO DATE. THE
PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEF AUL T." EXPLAINS HOW TO
BRING YOUR MORTGAGE UP TO DATE,
CONSUMER CREDIT COUNSELING AGENCIES--If you meet with one of the consumer credit
counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days
after the date of this meeting, The names. addresses and telephone numbers of desi~nated consumer credit
coul1Seling agencies for the county in which the property is located are set forth at the end of this Notice, It is only
necessary to schedule one face-to-face meeting, Advise your lender immediately of your intentions,
APPLICATION FOR MORTGAGE ASSIST ANCE-- Your mortgage is in default for the reasons set forth
later in tlus Notice (see following pages for specific information about the nature of your default), If you have tried
and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the
Homeowner's Emergency Mortgage Assistance Program, To do so, you must fill out, sign and file a completed
Homeowner's Emerge!lcy Assistance Program Application with one of the designated consumer credit counseling
agencies listed at the end of this Notice, Only consumer credit counseling agencies have the applications for the
program and they wilI assist you in submitting a complete application to the Pennsylvania Housing Finance Agency,
Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY, IF YOU FAIL TO DO SO OR IF YOU DO NOT
FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED
AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE
WILL BE DENIED.
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'AGENCY ACTION--A vailable funds for emergency mortgage assistance are very limited. They 'will be
disbursed by the Agency under the eligibility criteria established by the Act, The Pennsylvania Housing Finance
Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure
proceedings will be pursued against you if you have met the time requirements set forth above, You will be notified
directly by the Pennsylvania Housing Finance Agency of its decision on your application,
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN
BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION
PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO
COLLECT THE DEBT,
(If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance,)
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date).
NATURE OF THE DEF AUL T --The MORTGAGE debt held by the above lender on your property located at ill
East Fort Street. Shippensburg. P A 17257 IS SERlOUSL Y IN DEFAULT because:
YOU HAVE NOT MADE MONTHLY PAYMENTS for the following months and the following amounts are now
past due: $480.89 for the months of October 1999 throul$h December 1999
Other charges:
TOTAL AMOUNT PAST DUE: $1.442.35
HOW TO CURE THE DEFAULT -- You may cure this default within THIRTY (30) DAYS of the date of this Notice
BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS :1>1.442,35. PLUS ANY
MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY
PERIOD. Payments must be made either by cash. cashier's check. certified check or monev order made payable
and sent to:
Margaret Smith
Household Finance Corporation
P,O. Box 4153
Carol Stream, IL 60197-4153
IF YOU DO NOT CURE THE DEF AUL T--Ifyou do not cure the default within THIRTY (30) DAYS of the date
of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the
entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the
mortgage in monthly installments, If full payment of the total amount past due is not made within THIRTY (30)
DAYS, the lender also intends to instruct its attomeys to start legal action to foreclose upon your mortgaged
property.
IF THE MORTGAGE IS FORECLOSED UPON--The mortgaged property will be sold by the Sheriff to payoff
the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender
begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were
actually incurred, up to $50,00. However, if legal proceedings are started against you, you will have to pay all
reasonable attorney's fees actually incurred by the lender even if they exceed $50,00. Any attorney's fees will be
added to the amount you owe the lender, which may also include other reasonable costs, Uyou cure the default
within the THIRTY (30) DAY period. you will not be required to pay attorney's fees.
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OTHER LENDER REMEDIES-- The lender may also sue you personally for the unpaid principal balance and all
other surns due under the mortgage,
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE--Ifyou have not cured the default within the
TIDRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and
prevent the sale at any time up to Ol1e hour before the Sheriff's Sale. You may do so by paying the total amount then
past due. plus any late or other charl?es then due. reasonable attorney's fees and costs connected with the foreclosure
sale and any other costs connected with the Sheriffs Sale as specified in writinl1 by the lender and by performing
any other requirements under the mortgage, Curing your default in the manner set forth in this notice will
restore your mortgage to the same position as if you had never defaulted.
EARLIEST POS1';IBLE SHERIFF'S SALE DA TE--It is estimated that the earliest date that such a Sheriffs Sale
of the mortgaged property could be held would be approximately from the date of this Notice. A notice of the
actual date of the Sheriff's Sale will be sent to you before the sale, Of course, the amount needed to Ctu'e the default
will increase the longer you wait. You may find out at any time exactly what the required payment or action will
be by contacting the lender,
HOW TO CONTACT THE LENDER:
Name of Lender: Household Finance COlJlOration
Address: P,O, Box 4153. Carol Stream. IL 60197-4153
phone Number: 1-800-609-4278. Ext,
FaxNurnber: 630-617-7744
Contact Person: Margaret Smith
BFFECT OF SHERIFF'S SALE-- You should realize that a Sheriff's Sale will end your ownership of the mortgaged
property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to
remove you and your furnishings and other belongings could be started by the lender at any time,
ASSUMPTION OF MORTGAGE-- You mayor X may not sell or transfer your home to a buyer
or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's
fees and costs are paid prior to or at the sale and that the other requiremellts of the mortgage are satisfied,
YOU MAY ALSO HAVE THE RIGHT:
- TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF TIDS DEBT,
- TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF,
- TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEF AUL THAD
OCCURRED, IF YOU CURE THE DEF AUL T. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE
YOUR DEF AUL T MORE THAN THREE TIMES IN ANY CALENDAR YEAR.)
- TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR
ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS.
_ TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY
THE LENDER,
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,- TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW,
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FOR CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY, PLEASE SEE
THE A TT ACHED LIST.
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THE PURPOSE OF TIllS COMMUNICATION IS TO COLLECT A DEBT AND ANY INFORMATION
OBTAINED WILL BE USED FOR TIllS PURPOSE.
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NOTE: Unless you notifY this office within thirty (30) days after receiving this notice, that you dispute the
validity of this debt or any portion thereof, this office will assume that the debt is valid. If you notifY this office in
writing within thirty (30) days from receiving this notice, this office will: obtain verification of the debt or obtain
a copy of judgment and mail you a copy of such judgment or verification, You are also advised that any
information which you supply to this office may be used by us in the collection of the debt. If you request this
office in writing within thirty (30) days after receiving this, this office will provide you with the name and address
of the original creditor.
SENT VIA REGULAR MAIL AND
CERTIFIED MAIL NUMBER Z 174 599 231
RETURN RECEIPT REQUESTED
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SHERIFF'S RETURN - REGULAR
CASE NO: 2000-00818 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
HOUSEHOLD FINANCE CONSUMER
VS
REISINGER BARBARA A
DAWN KELL
, Sheriff or Deputy Sheriff of
Cumberland County, Pensylvania, who being duly sworn according to law,
says, the within REINSTATED COMP-MORT/FORE was served upon
REISINGER BARBARA A
the
DEFENDANT
, at 0014:17 HOURS, on the 30th day of March
, 2000
at 313 DWELLING COURT
SHIPPENSBURG, PA 17257
by handing to
BARB REISINGER
a true and attested copy of REINSTATED COMP-MORT/FORE together with
NOTI CE
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
18.00
13,02
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10.00
.00
41.02
So ;;~~t
R. Thomas Kline
03/31/2000
MCCABE, WEISBERG & CONWAY
Sworn and Subscribed to before
By:
\Jo.uYV\ -A . W
Deputy Sheriff
me this t., ~ day of
O~ 'a2U1rO A.D,
q...,~Q ~ ~
, Prothonotary ,
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McCABE, WEISBERG AND CONWAY, P. C .
BY: TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
First Union Building
123 South Broad Street, Suite 2080
Philadelphia, PA 19109
(215) 790-1010
Attorney for Plaintiff
HOUSEHOLD FINANCE CONSUMER
DISCOUNT COMPANY
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
v.
NUMBER 2000-818 CIVIL
BARBARA A. REISINGER
PRAECIPE TO REINSTATE COMPLAINT
TO THE PROTHONOTARY:
Kindly reinstate the Complaint in Mortgage Foreclosure in
the above-captioned matter.
TERRENCE J. McCABE, ESQUIRE
Attorney for Plaintiff
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McCABE, WEISBERG AND CONWAY, P.C.
BY:, TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
, First Union Building
123 South Broad Street, Suite 2080
Philadelphia~ Pennsylvania 19109
(215) 790-1010
Household Finance Consumer
Discount Company
961 Weigel Drive, P.O. Box 8604
Elmhurst, IL 60126
v.
Barbara A. Reisinger
353 East Fort Street
Shippensburg, PA 17257
Attorney for plaintiff
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Court of Common gleas-
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CIVIL ACTION/MORTGAGE FORECLOSURE
NOTICE
You have been sued in court. If you wish to defend
against the claims set forth in the following
pasas, you must take action within twanty (20) daya
after this complaint and notice are served, by
entering B written appearanca personally or by
attornay and filing in writing with tha court your
defenses or objections to the claims set forth
asainst you. You ara warned that If you fai l to do
so the case may proceed without you and a judgment
may be enterad against you by the court without
further notice for any money claimed in the
complaint or for any othar claim or ral ief
requested by the plaintiff. You may lose money or
property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR
LA WYER 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 HELP,
cumberland County Bar Association
2 Liberty Avenue
carlisle, PA 17013
(717) 249-3166
AVISO
Le han demandado a usted en la corte. Si u9ted
qui ere defenderse de estas demandas exwpuestas en
las paginas aigulentea, uatad tlene velnte (20)
dlaa de plazo al partIr da la facha de la damanda y
la notificacfon. Hace felts asentar una
comparencie escrfta 0 en persona 0 con Un abogado y
entregar a la corte en forma esc,rite sus defensas 0
sus obJecfones alas demandss en contra de su
persona. Sea Bvisado que sf usted no se defiende,
la corte tomara medfdas y puede c:ontinuar la
demanda en contra suya sfn prevfo avfso" 0
notiffcacion. Ademes, la corte puede decidir a
favor del damandante y requiare que usted cumpla
con todas las provisiones de esta demanda. Usted
puade perder dlnaro 0 sus propledadas u otros
derechos Importantes para ustad.
LLEVE ESTA DEMANDA A UN ABOGADO
lNMEDIATAMENTE, S1 NO TIENE ABOGADO 0
SINO TIENE EL DINERO SUFICIENTE DE PAGAR
TAL SERVICO, VAYA EN PERSONA 0 LLAME
POR TELEFONO A LA OFICINA CUY A
DIRECCION SE ENCUENTRA ESCRJTA ABAJO
PARA AVERIGUAR DONDE SE PUEDE
CONSEGUIR ASISTENCIA LEGAL,
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
(717) 249-3166
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McCABE, WEISBERG AND CONWAY, P.C.
BY: TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
First Union Buildi~g
123 South Broad Street, Suite 2080
Philadelphia, Pennsylvania 19109
(215) 190~1010
Attorney for Plaintiff
Household Finance Consumer
Discount Company
961 Weigel Drive, P.O. Box 8604
Elmhurst, IL 60126
Cumberland County
Court of Common pleas
v.
Barbara A. Reisinger
353 East Fort Street
Shippensburg, PA 17257
Number
CIVIL ACTION/MORTGAGE FORECLOSURE
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1. Plaintiff is Household Finance Consumer Discount Company,
a corporation duly organized under the laws of Pennsylvania and
doing business at the above captioned address.
2. The Defendant is Barbara A. Reisinger, who is the
mortgagor and real owner of the mortgaged property hereinafter
described, and her last-known address is 353 East Fort Street,
Shippensburg, pA 17257.
3. On August 24, 1998, mortgagor made, executed and
delivered a mortgage upon the premises hereinafter described to
plaintiff which mortgage is recorded in the Office of the Recorder
of Cumberland County in Mortgage Book 1478, Page 292.
4. The premises subject to said mortgage is described in the
mortgage attached as Exhibit "A" and is known as 353 East Fort
Street, Shippensburg, PA 17257.
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5. The mortgage is in default because monthly payments of
principal and interest upon said mortgage due October, 1999 and
each month thereafter are due and unpaid, and by the terms of said
mortgage, upon default in such payments for a period of one month,
the entire principal balance and all interest due thereon are
collectible forthwith.
6. The following amounts are due on the mortgage:
Principal Balance
Interest 10(99 through 1/14(2000
(Plus $14.91 per diem thereafter)
Attorney's Fee
Cost of Suit
Appraisal Fee
Title Search
$54,488,90
$ 2,131.99
$ 2,724.45
$ 225,00
$ 125,00
S 200.00
GRAND TOTAL
$59,895,34
7. The attorney's fees set forth above are in conformity
with the mortgage documents and Pennsylvania Law and will be
collected in the event of a third party purchaser at Sheriff's
Sale. If the mortgage is reinstated prior to the Sale, reasonable
attorney's fees will be charged based on work actually performed.
8. Notice of Intention to Foreclose as required by Act 6 of
1974 (41 P.S. ~403) and notice required by the Emergency Mortgage
Assistance Act of 1983 as amended under 12 PA Code Chapter 13, et
seq., commonly known as the Combined Notice of Delinquency has been
sent to Defendant by certified mail on the date set forth in the
true and correct copies of such notices attached hereto as Exhibit
liB. "
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WHEREFORE, Plaintiff demands Judgment against the Defendant in
the sum of $59,895.34, together with interest at the rate of $14,91
per diem and other costs and charges collectible under the mortgage
and for the foreclosure and sale of the mortgage property.
~'l..tNl Cf!- 9. me. ~
TERRENCE J. ~cCABE, ESQUIRE
Attorney for Plaintiff
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VERIFICATION
The undersigned, Renee Turner, hereby certifies that she is
the Foreclosure Specialist of the Plaintiff in the within action,
Household Finance Consumer Discount Company, and that she is
authorized to make this verification and that the foregoing facts
are true and correct to the best of her knowledge, information and
belief and further states that false statements herein are made
subject to the penalties of 18 PA.C.S. ~4904 relating to unsworn
falsification to authorities.
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RENEE TURNER
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MORTGAGE
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. 0 IF ;!lOX IS CHECKllD, nns MO:Rro"Gl': IS AN' O.l'13N.l'lND MO:RTGAGB AND SEClJR.I2S FVTI.JR,U ADVANCES
day of AUGUST
19 ~ ' between the Mortgagor,
TI1IS MORTGAGE is maclo this 24TH
EDWARD A RE I SINGER ( DECEASED)
BARBARA A REISINGER
(herein 'Bo(l"ower'),andMortgagoe HOUSEHOLD FINANCE CONSUMER OISCOUNT COMMNV
a corl?OratioA orgsn!~ ~d existing under thelaVla o,~ PEN~~YLYAN II. , .,
25 GArEWAY DRIVE, GATEWAY SOUAREISLl'TE'~iW';';'MEilHAII'IC'$St)kG, PA 17055
(herein 'Lender' ).
The following paragraph preceded by a chl:Cked box is applicable.
m WHJ'i:REAS, Borrower is indebt>XI to Len~ in the prinoipal e~rn 0/ $ 54, ass, 15 ,
evrctcnocd by Botl'ov.'er's Loan Repayment and Security Agreement or Sec:onda1'l' Mort~ge Loan Agreement dated
AUOUST 24, 11:198 and any extetlSiolll/ or renewals thereo! (hetein 'Note'), providing lot monthly installments
of prin<:ipal and interest, including 8:11 adjustments to the amount of paymentS or tho contract ra~ if Ihal rat6 is
varlable, with the balance of the indcbtodness, if not sooner pald, due and payable on AIJGUST 24, 2028
D WHEREAS, Borrower i$ indebtod to Lendor in the principal sUm 0/ $ , or so much thereof
as may be advanced pursuant to Borrower's Revolvitlg Loan Agreement dated slid
extensions and renewal. thor-eof (horeln .Note'), providing for monthly ins14lJments, and interest al the rate an<l Ul1der
the terms specified in the Note, including any adjustments in tile Interest rate i/ that rate is variable, and providing for a
credillimit stated in the prlnolpa[ sum above and a1'1 initial adyanoe of S
'TO SECURE to Lendor- the repaymll1'lt of (IJ the indeblednes.s evidenoed by the Note, with interest thereon,
Includlng any increases !lthe eontraot rate ie variable: (2) fututll advances under any Revolvingl,.oan Agreement: (3) the
paym~nt of aU other sums, with interest thereon, advanced in accordance herewhh to protect the _urity 0/ this
Mortgage; and (4) the performance of the cov.....nts and agreements of Borrower herein eonl4ttled' Borrower do....
hereby mortgage, grant and conver to Lender and Len"-er's successors an"- assigns the followinll described pl'operty
loeat<<! in the County of CUMBERLANO Commonwealth
of Pe411syl V4'oia:
,
,whose address is
All Ih41 cartaln proporty .It''et.~ In Iho borough af Shlp~
pon.burg In Ihs eounty of Cumbsrlend end Commonwselth of
Penneylunla, bolng more fully doscrlbed In ate. ,Impls
doad dotod 03/1g11gS5 and recorded 03/Z1/1ee6, among lh.
land records of the cO~l'Ity and stote set forth abo.e, In
Vclume N-Z1 Pogo 52S,
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. TOOE.l'UER, will". all th~ impro\,..t'lme:-nm no"1o' 1)1' h.t;roC'l:l.he:- t:lf'at:~Qd ":11\ fhc- pnJ1)GI't,)o, l,m..! 1~/1 I;lllsem.ent,~. I'i~ht'l',
"??V-;"t~t\:..nc.:q i!.nd rc-nts, 0.11 (,r whh:h shllU bo (.le.;:mcd tel bQ l:lIlt! rc:main ::t p~r~ or r.htl pC'opt!rl.)' I.:,,\.c't'c..;:! b.)"" thio.
Mc,rtgt1gl:; tlnd all or t)v: foregoing, togt:,ther with said (Jrnpr:rl.l' (0:' ;:hl:' h::!a~~III.,to t:!:tatl;! if thir. ~lnl'tc,:)ge. i:\ "('ll.~ . ..
l'l;::>.~chold) arc hc:oeioo'!rIer Nterrcd to A::t tht:: "Pru~rt>',"
J1orrnwO::1" c:O....t!:tla:H$ thM aOtl"(H~'C't ;101 lawf\lll)' l;:ci!led ",r fn1; o:s't&'tc to.Cf'~9)' l;:cmvcYt"d ll.n.d 1'1:1.:'1 thl;: rl~h'l, tel m~':-tga.!:1c,
grant lIt:;d (.."VI1Ye,l>. the Prope:rty, Qnd th"" 'he prOpl:lrt)" is uncnCU1'n~1"tl'tJ. C:::'\l.epc for c:oaumh,;1ncl;',": r,lf r<<uru, kQrrt.H~'.....r
l.:u.n:n:.tr.ts that nor:"owcj'! w:trnHts lI.nd will 4er!;l'nd ,ecncrll.H)' Th~ tlr.!\": to thc r>n'pert:,. lI.g;\inSt ,:t (,I1:..i:mlj :&n.d dem~~nds,
,s:uhjeCt to enCl.Im hranccli of :"e'cofd.
t.:i\."U:C::J'RM c.:OVE~ANTS, Borro.....er ~n.d LC:lrldl;t" r;OVCI\Az'l.t .!:tnd :1~r~~ .a.s folh..nv:o:.:
1. J:'~').ntr:nt or PrincipaL and Interc~l ttt \'"ni:ublC! R.ates. 'rhir.; T:lf).rt,,-e.g~ ~eC\Jr~{1 all p~}o.r:'Vm\s ('It' prinei::"!:;,l Iffl'..!
in~croS" d~3l!: ,'m .... "';:l.ri~blo rate If")Fln. The:: cOntr~.:t r3td' ot jmll:rf:!~n l:l.nd p~yment rlmQlJn-i.G mAr 1:x:: :=';~Jbjc:::t to l.:h:nJ;:c ,)S
prnvic!ol!:4 in ~hc Note. BOr;"(H....~rS ~haJl promptly poj' -when duo.;; ~Il amc)'Jnts rcquJ:n:t.I U). th~ ~.():C'.
2. FUl1c..l.!5 rC3>r TI:l;.tl:!.s .and. In.s-ul'ttnc:-c:, Subject to -*.pp1iC::;,.bh: lilVo' or ~'aiver loW 1.!::.nrll".I", Ht;\rrowo:: rohall p.ol.Y co L~ndtl('
on the: da)' mon"hls' parm<:.:ms of prlnel1M1 il:nd iflt~rt!~'[ nrd' pa)'&ble tJndel" HIf:t ,"o,,~, uncil tb!! ,'\uLI;l i:i pa.id. in fu(J, a
Sllm (hcrcln "Z:ut'lcls") iO!'l'lo\l ~lJ one'twelfth ur th= yearJ)' ta..'(~ unoJ ;L'$S~srhCtltS (iflt,~IHdin:: cOl'ldomirl~u... l't.i\d plh:'lOCt!
u:lh d~""tl'klpm~rlt tLS.tO~ro$mem~. if .o.:1Y) whil."h tY\a>' o!lttldu pri(JC'hy ov'!#( 'lihis ~1U1'1.~'11f:t$ Ml<J ground rel'll" 10m ~~L"'i Pr.:,?:.t,)"
if .an)', plU:! (')t'l.Cl~twalf~f\ Qr )'c:a.d)l' pt"'=1nium In$t~lIment5 ~()t h:'t"'~trd im'::1.lrencl!I, plU~ I,)ne..t.....cHfth of }'O::ll.r1y ("'.~mium
i.n:'ltal1m~1tL:1 for mor.gage tnsut'f.ll~t:(:l;, It i1OlY, all .&.!O teo.!",.('J:"!.:lbly t,.'1Hlmated ini'l:j~lJy in~ from rirr.~ tl.t timq b)" i:..r.::r,dQ.f '''0
rhl":: l;I.rl$i' l-..f dSSC::9:!h'n<:'I\t~. and bills and t~.1son:\bh:: l;Gdmute:3 thel"c!<)l. RQI"r'.:'WCf :;'~\..:l:1I Ul.:lt be: c'tlri~.Hr;d ~u rn1,l1-<1; ;such
p4)'mc:tl.19 of }'undl~ t.C' I.l;:'nd~t m che: C:~U~Tl~ lh.u B(lrtCl\\'t:1' 1'r'I:!.1<<:tl G\,/I;h pl:l,i'f:'\cnh:: to thl: hctol:=r or a ptiGI" rr.f'rtga~t: ~I:"
dcc:d (Jf trul{: if .!luc,:h hoJdC'r i~ :m hi:s~h\.l(ltJnal lendet,
{t Burr()wc:-r pa)l'5 1-~llnt'J.r.- r" f ,f;:!ncter, the Ful'\d!t shllll b~ hclcJ .in 1l.:1 in.'ilttmrit,n th", d~lX't,itu t)r Uc:...C.HU'U~~ or \\ hiuh Me
Ltllltured Or S\I:LI"u'Il't=l::d or a .Pedat;!!.! Or r.f;cb -btl;t'11J)" (includinG Ll"lnc~t if Ltmder is ,!,\I.l\l'h Slrl h1:otiEutilJuL r,cndcI' l':h~111
apf')t)' thl;! P\mds 10 ~3.J' SQid ':a~~~, "....4[,~.:;'Sz'l\cllt.'f, In!tur/lru.:'I!! t'l'(:Ini\,,&n:!i a.:uJ. ~rt.JvHd runt:>. l~cnd(:::, m^y npt j~h~:'(;(': tor '~(.,
holding and ap~I)'r1'lt: the: PI,:l'lds, ilflil.1Yleing: $1J.id tlt,:CQum c)r \'t;:'dr:,'inJ: "ilcJ f;umplling !'laid M~MtT\~r.1' 411d. bill.'\', lInle-$:::
Lc.llut:r f.lay~ 13f)I'I"t"w/er In:erc.q( ,',n, the.: Fundlli .:end ltppHc~bl~ law ~rmics Lunder f.f) mo';\1(e "ut"h to ch!:ll"~, Rc:ll"rc)\"'l:l' t\n:!
L.\~t\dor.t' I'r'l:.y .:1gr<O!d in \I,'(i~ins ~t the:' !Irn~ nf 1;'l(I#CUtioJ'I. C,Jr &",r", M'ortgage th::!.t intllllrlll:$t (In thl::' FLu..J,. :.lwl! b; P1'Utl tl.1
H()I"t'ow~r, ~Lnd \lrIlc$i: ~vo:h ~Sr!:cmc:l'n~ LSO made Or tlppJlc:a~l/:t lCi.w requircx l1uch imercst :0 be;' P&:r.1" 1.e:lld~r c::h~1I "I"I! t-O'!
tCGuirc:d. tn ('J1I1 .Bot'to\\'c/" IWY jn'lClr~S;C or C1l1.rllit\~.l"I em tJ1Ci:l F'\Ind~. r ,cfld~/" t'lh..lI ~11...1:' 'to BOfI"UWI:!:I". 'l\'H"~)~lt c;r,aq.~I;l. <Iii
II.lUlul!Il f1t:t......;lvo'dng of thtl FUIlatC s;;hr.1Wing credirs :!l.nd t)t;:tl,Jt, cO' the T=und.t; (In<;l r.h~ pU1"pCt~~ (.'Jr "ohic:h ~Cldl c.h:bi~ t~, t~lC:
rwub: wu,:;: m.adlot" Th':ol Func.l.s ;.r.., pledged:.tr.. Adc,l.hional i:C<lut"ity tar ~hc sum::;. lic:l:UrlJJ b,)" ,hill M,,('r.~C1*c-.
U lha aml.,lunt tit th.,: Fvnda h,t.:ld by f.eud.er, tr,'gether with the rutl"lrl# mon~hl)' il':.$l1l1.!Imunt,s: of J:-'vnd:::. S'Jayuhl~ prh)1' tt.l
the d\.Jc d;:t,t\..~ ut 'a:c~s, asses:;:r"t:\.I:t\U';, ir~II,tr;.lnec premi~ms silcJ arQurld rcmoS. :::h.all L:~C::l;\ld~1 thl;': amount ri!:~I.Il"'~tJ, ';,0 P:J>' !'laioj
tlS):l;S, ;S~tl$m~nlS, inl'l1J:-ancl! ptll!mlum~ "I1'1d. gt'I)\Jnd renh: ;l,l;: t"~)' fait du~. $ueh ..Xl;'ce:::. shall 'bt!, a.t Rllrrr,.'l",'C'r'!. up't{(~n:
t:litflcr ~n:I('1\ptly r~p3id t~~ E()rl"l')'Yo"c:r Or' t:tuditecl to Snrrt,1wr;:t on n'lo:lthJy inscilJlmc::ntS <"If Pllllt.l.~, [( thtl arnn\l111. I):' Ihl:'
I'tlmJs ht:'Jd t'ty I.endef' t,htt;l riot ~ s\Jtric;:il:nt tel P.\l~' 1a:o:os, ~~!l:~~m,=m$, Jn5Ur:il1lol&; r,t:'~mhlm$ :;tn:J ground rcn"o; a~ rhr:r
((,Ill d~lc Saof't'O\,l,'tU' l'Ih3l1 \0""'1 to LenuC'r IlIny ~m()unt ngc.:I:$.,~r)' h'~ rn:tkCl \\p the d.tlc:hu'IC,l>' tn on" QI' mOrl:: i"h,)'meIH~ ~'.o:.
r ,t:ndc:r M~,)' rl:!Cf~11 rl:l.
llputl p.,*J'tT1f::ru in full c,,! All -\IIvmli- sf:<;urcd bj' th\lI MfJrtgugo, L~ndeC"' 311;11 pl't')rnptly .rc:r~lI1d tn nnt"rvh''=I' IUI,)' fVllu::::
h~'d h,)' J.o;:fll:Jo:;t. If \lIlcJtii" ~r<.tgrDph. 17 hel"ut'Jt th~ rropt:rcy is :tnld or thli;l Prupcl':Y i~ fJf.hl:!rw{::ld .3":Qui'l"~1l b). l.end""r.
t,~l\c:l..;t" F-t'ltfll lll.pply, nu li:l~~r ihaC'l im(t'u~'d.itftlill)' J.)rJ<Jr lU th~ Ro\lc Or 'the f.rn()Qrt)' ('Ir ils :tCClllb:;itlt,~l\ b)' J.~t'uj~r. .ny l:Ul'1d:~
h!;rld to}, Lc:tJu~r ~H 4hf# tl me or applics.tll')-n 11$ oil c:rcdie Asain.s:t the ~Ums. secuted by thi~ Mt,.r~~~g;c,
J. ,~ppli~l3;t10t1 "f Pa,.'m~tliu, r.;,lU"'!;lp~ for IQan~ I"ntldT;l: P\,ltSV..$,1'\t w, Lh~ Pl:lnnr..,)'i\'.;LtI:. Cc:m!l:urT1':l'r l)isl;Qum (':OrT"lp~tl1o'
"'\'IH. tall p:.Joyn'l/:ri.u: :l"4Cld:i\'..,~ Oy 1,l;lnd~r unde.. the Note;. and p~rb.!V.a.pl,;<; I ~nd 2- hero:vr ,chall be :,lp~H<elJ t1~' l.t.'ndl:!l'" f!r~!: In
p/#..)m~nt uf amnUnll:l ~',t:t.:lbl<:: to l"CIIUC'T by F.lorrow:.r und\l:'t' ptlrllKrllph 2 h<:l'l:of, ~h,=:'l. ~Cl lntl:rCot:u. :ll'l.;! ~tu~n Tr,l tho:-
prlnC;:'l'al,
4, prior i\rcu''f$a8e~ and. .Dc~d of "'ru.st: c;:.h.t:rg(:$; I,.-lar"" BtJrrowClt sh.all f't'rful"'m illl ~~r Borl"ower'" Q~lit,Hh'II~:O;
uc:do:' :!.l'l:t rnnrtgltgQ, deC'y ut tnm't VI" o~llQr sec.'urit)" ;,1,J;rc;;:mcn1O with /:I ti!l:n which ha."'i pl'i<,tti'l:,)' lI\'~r 1~1;$ Mo:-~.e2\cr;.
incllJd.ing Hot'tOwC'rtli C:C2'o'Co'Ri\nt$ to f&Hilke 1)/:I,)'m"-nl.'3 whon dUIi:, Rnrl"('.....rtr shftll payor C:IIIl<<: It,) ">c pa:d ;UJ n,lie!.,
ll.~::>c.ssm.C1l'l.tl'} :,11'\4 tither charso!'Sl', rinc!:!s: l)ncJ ImpositiQilr. Anril:tvtablc to the: FJrc.lpCllrt,r which may lttt.ain ~ pdorit), OVc.:r ~hi:!.
Mt,)rtB~SI). ..nd Ir:M'f:hc)Jd poCl}'mun-:s or gtO\Il\Q r.;oM:J, i~ any.
$, HCl2l'ltd. Jnl'lUTl1nce. B<lffower :shAll k:~/#:p rho im?I'uvC!rne:~t:. 1'...11..- clli~tinJ.:. IJT h!:!rl;l;.lfu:r crcctod 1'1:": 1111:: J.'rr:1't'I",i'
Inr.ur.;-a 8&:.bicl;!.t :CUSlt by tire. hLl,nrdB inult./dccJ wit.hin the:: term "eXLt!'~lded Covc=NI.S-C," find ,'~Id, 'J~~l#r nsjt8l'OS uJ>t r.1:..nol;h.H'
ITl.oc)>' rC~Ulrl:,
Thtt rnS\;rlCfll.liO! l:/trI"Ft!r' prt,l\"H,iing tho J1\:-,ul"l.IftC'ct ~huJJ be.; c:hu=c:n by ~)-lQ l$O&'rlJWI:'l" ::ubj~~~ tu o.ppro\'~1 b) L~ndel':
providC:ld, 'thM $(,l(.:h appro\"aL :,;h.$1I :lC'Jt be unrcuof1sbly withheld" ..-\11 i~)$\I(~nl,:~ pCJHdezs ,!tI\r.l r=/If;!Wbls It:tlrc:ur sh:dl be in
" f(J.r't:'l M.t;C:rmlb:~ LV l..=nd.c:r and slHll1 intl(ud~ If. ~:rJlnn)}rd mQrtg9.gS ell.lu=-c in f&~'or or ill'ld in .. tnrm i:ie...t:l='tab16 ~n
J .erldC:I", I,onder ,..:haiJ tun-.oft 'hI;' right t~l huld. the I'tllit:lc/i: and renew,a,!ll; th~rGof. :Hlbjt:E::t tu tbtl :erm,!; I,..r a,,), m.nt'~g4t.~'...,
dcc:;cS eft tl'l,:,ot or utrl,=r .';.1::!1,,:',~riUt agre""(th!!l'lC with n 1,It.:n which hA~ prinrlt.>' ov.:.1" chb ~fo:t.c:Ij,~~,
· ,-,,.,, ".".... 'A uq I. "'" 1I1111mDI U Illlm~ ~IIIlilm~iIftmiBIwl ll1fi111' ~lifll"'llllm/ll1ll JlIIIIII
,.40:3' 174'
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bi.?m';i,C;t?t'; 01 86>:.1. 9t9 0>:98NDI()1>3S IIJ/ldJ-S=lH 1>" .1.C:80 00. 5t NtH
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J'Ji1 th.e event of 10G-ll'. 'BoNowe:t' shell Q:;ive prompt floti.cc: "to tone 1t\l3",c-;y.nce. c::amq- artd 1An.du. Leodcr m.;\y make;- proof'
of 1= if ncn macro pro=p<ly by ao"""wor, '
If the Propt;'T't)' ia .bAndonc:d. 'by Bof't'OWOf". or it: Bort'Qwer hils 'to rC:3pQnd 1.0 Lc"de.t whhin 30 days ttQ1"f1 the datI:
patio: t,; rt\aUcd 'by Lender to Borrower thet tho Insutanec gurier offc:rs to scntl!o a claim for insuranl.::f: 'l>::ncrl",. Let\d.er is
auth0t12od to collcr;;'C ...nd apply ~ iIlO\11'~ prQ(;.CCds at ~dCl"'.s option dther to 1i"C$tQtatioa or repair 01 the Ptoperty Or
10 thl: $'l.U"J"S ~1,.In:d b,y 1hi.e: Morlpge. .
6. Pre$ctVa1ioQ. 4#d M.in~..Q-OrOI 01 prop-ettYi Leasehold$: Cood.orrtiQium:J; Pl;tnD.~c1 Volt Dovelopom.t;"t,..
Borrower ~1 keep the ProP'=11'Y in e:ood. toPair and,:ib.all not co.mmi1:: waste o. permit fn"Lpa.icmc::;\t Ot dC1.c:rlcr.:ttioa of
the- Pwpett)' u.zui ah.ll co.r't\ply wiw 'the piovieions 'Qr p.ny loa.se it this Mottsago is otl a l~hoJd. It 'thi~ MOr'1.gaJjiltl i:i 1;.>1,'1
D ufl.i-r in I eoodcminium (lot ;!. planned unit. (t~velopmeotl &rroW'~ shall pOrfo,"tn aU ot' ~rrowe-r's oblito\tions und~t
'the deolan~iQt\ or c;ovttlAnta ~~~g ot. sovorniO& ,the ~Qndor.o:.inil,lm ,or pladtl6d UDh 4~veJop-rnCl"l.t, the brfawe .s.nd
r-egul4"!:tons ot 'Che condominium or pl~ V:lU1. dr:vt;lloprnon'C, and C;OI'l.&~t:ucttlt dO;ume:nts.
7. 17C1o'teetioQ 6f Lcn<<kr'. S~\'rlty. If ,&ttowcr t..th~ to pcrfor;m o;h.;:. covcnant.a ~c:ll!l=tc:ements cQntC'in6d. in this
M'g.rtgagc. or if an)" ac;t.ion. Of' pl"OC6Odlng iir; c:omn'l~ which fnateria.U;y 8lrcc:~ Londe-r'e: tntc:r'c:.\t. in tho Property, "thr;n
Lender, 31 ~ndt:'t'& op1lcn, upon not!~ '"' 13orro,vest', mal n'l.akc S\;n::h appcarl'1\ce;s. disbl,)t$IC S'\.JIC:h ~l1mS, ;nc:ludins
l'ca.GQfLI!I.ble .a'ttarnll!:,)'s' r~. atld tzlkCl $uch .IO'dQrJ, u is n~t')" 'tQ prot6<:t; ~r's irrtoTC9L
~ .artlQunts d.iltburscd. by Lcnd~t' purau.;..n.t to 'thilJ 'PM'agraph 7. whh. intot'CS\ ~hetoon. lit th.<:' OQr\t<O\Ot f81:C, tdls.l1
bO::o,me addhlonal IDOr;sb~ of BortQwel' ECt;:'~%"6d by t~i,9. Mor;gll,&l!:. UnJ~ .BorrO"'t:It a.nd Lca.d.ct' agt~ '1:0 ocher
, U:i:HnS of p8ym<:r'lt, such atnoun1a 8MJI 'be ~ya'blo upon notlc:o from U::1'i.dtr to Bo1't"Owct'" T1;:(lucstin, paymcM thC:fCOf.
, l";QtmAg oontail'lC<l 110 this pan.pph 7 ~IlU t'Cqui~ Lender '1.0 incur .ny CX~.D$C or uko f.r\Y smlon he,reundcr.
8. I'a."pccdoo~ Lcnd(,t May tU:" or e..use to 'bt;I made ~t'1Ablo r:::ntric:s upotl It.nd lnc;peations or t~'-' ?ropel"t}.,
provicled. that Lr;n<!ct- shal1 ativc Bol:'T'o"'t:f' notice priQ.f' to any ;S:\1Ch [nspc;ction sp<;cityi~g ~tle.blCl !;!o.l,L$e lher.e:for
l"ah.l'ltd 'to Ln\d~'$ In.terest in the Pro:pot"i:)'.
9. COJ:ulcsmn.tiOD. Tbt plOCWA.I" of MY award OJ' elaim for &mageo. dit'DCl; or 1;:Qrs.sequcn.tial. in t;Qot'\eotion l'r'hh an}"
cond~mtJ(s110J1 'Or' Qihcft t::a.ki~ of tl'a-e Proper~y. or par~ thereof. Or fot' <:;on"l:lyatlc:'C in lieu of <:ondO::1"r.\nllltiot'l, tll"l!s hereby
tLmigncd *'fId shall bel pald. 19 Londet', ou'bjc.c:e e<.t -,:b,e tcrfrlS of any m.C:I1'~ge, d.6cd. of t.rUSt or other :o:cClJri'ty llg.rQC:rn.ef'1t
win a llot.l whIch b.U$ pt'iorit)" OV,Cf' thi:;, Mot'tgll-P', .
10. BortowiD'J:' Not Relo,,~d: Fo.rbeara!!<CC' By ,J...,e1:J;dcr NQ" ... WoIlivc:t. 8ttMsion ot the dnii;! tOt payment 0,"
rnodU'tcation ot az::o;ortlz.otio.tl of tha sum$. ~utcd -,by dlifl' Mt::Irft08-e; g;r&n'k:<J by Lond<:Z' tc an)' $UCC&$Of' in irtt.efest or
: Borro~e:t' shall not 09Cf'atl; to .r-ol~f .i:o any ttt.&nnet". U\$ HabIlity Qf the orlgit1*l BorroWIlill" and Bortower-'s ElU"~t$
, in. inw~ Lc:o.rJl;t" mall not be :roquitr;rJ to. ,;olJ\mta'lCC pro.;o&dinp. u.p.,tf,m: suc::h $UOCCS5Qr' Or C'Ctu.o:.c ~o I!llxtc:ocl tim~ tor
P'U'yMon't or othe:r'W;~ ~odUy A:.monizo;io:l1 of thl;l tcLlms 9C:C\.'Ir-cd b)" 1:11160 MoriPBO \:loy ~n. uf an)' e;tI;-m3tJ.d. matit: by
.' ~ t,n"i~n~l Bo:rt09Icr and BorroWEr's J1\,)l.,"CI!ISl5:OIl\ i>>. Interest, AtJ.:f torbeD.rMCC by U;ll'lMt' In c:lte::C'Clisioj: .my rl.ehl or
re-med)' hcre\,jl,.d.cr. or o!:b~llSO fltotd.cd. 1;0)' ~"'p1iO&-ble law. sh.U no't be t' wAIYer ot UT ptc:t:lvde thC' ~~~ or any
such right: or rl;lfl'ledy.
11. SuocessQrli aad AJl,Q,*:tlIs Bc)'Ll:ttd: 1uint aDd Sever1ll Li.bU'ity; Co-sif,*.-rs.. 'J'he cove--nantto and agtoOC'mont$
, hl!:lN:la c:oSlt3iI."J1!ld shall 'bitl<l. and tlw: ri&1\tG bot'Cundl!:r $halJ inure to. the ~tivc 5WiC'~t'B Bn4 ~gns or Le:nd~.I" and
Bor"J'<)Wd~ eubJc:x:c to the proviojou q( PSt"4lt'4ph Jd hereot. All C'o,..~nts al1d ~vc:emcnt.:l: Qt :Borrower $~an be ,JoiF1,t
'and s.G'V.;raJ. ~'V1y &.-rawer who oo~gn.s ttq$ More..~ bu't dOr$ J')Qt eltcc:utt;l the N'Qtc, (6) is QO-aianing "his Murt-"~QC'
only to. M0r1P8C, grant and C'onv~y tta:t Borrower's itltet'CSt in ~'ht!l ProF(:)' to- L::n&n- under 't.htl! terms of thi$
Man.PJ!I;l'. (b) is not pc:rsonoU)' liablCl' CIA tho Nc>ta ot un~(' 'this Mottp.,ee-.. and (\:) Aqee::J t~'I: l...c-tl.a~ ond any ot.hcr
Borrower MrElund<:=r may .~ to extend, Modify, forbear'. ot Make any o-the1' sc:com rn.odadoM with t"r:gard t('J the
t!!ttms ot \hi$ MonglllF ot' the l"JQ'UI wt'd1ou'C that. Bono'W'!#,'., <consent and Vo'jtb~ut relea.sina: tha.t Bo.nvC\'ct" Of" t'l"locHfyio.l;
'ChI" ~o:l1i'pP tb to 'that Bt:ll"tOwcr'$ in.tuest in the> P1'OpCr'tY,
12. NQ1ice. .E~l;i1)-p1: tor .any *",oti<lo roqutre<l UQ~ e.pp1i~.(I.'b1a .1&.... w be given In ,~mOthOt' n1l1nne:rj (ta) an)' f"\c1.k:c to
BOffow"'t" ptQvidcd tOt in this Mc,:.tta.*ac sh.o.lI ~ givo.c. by dcUvorinl i~ or by m.ailing ~Kl'h. notiCe 'by t::~ifi.od ml'-it
~d.d.l"c4SOd to. J;k.t'towcr ..1. the Prop::fty Addrcq ot" .Ai SlJ(;h oth~t addrC::$s .a Bot't'o'l\l'or may dil;:IJdgJ\8.te by Tlottc:.e: to l.end.er
as pro..,idcd bordn, Ao.d ('b) ~y notit:~ r.o lMtdcr' ~1I be given by ccrtiri~ mail to Lom!w'o .a.d~ $tated hef'j;ln (If" tCt'
such Otb6-r .dd~.B.S. Lcndor mq ~i&r\Ate b~ nodee'tO BorrQw&t as prQvt4ed herein. An)" D.o\h;e t'.I"o....idcd. tor [n 1:h.it=
MQrt~~ SM.tJ 'be: deem.ed. ~ ,tLave ~ r:lv-cta to BorrowC1" or I.A1\.dbto whcm live.t1 in thQ C1'\~nn.er dcsi$l1lJ.tcd. hc-'C'dn.
13. 00\16r:o.lDI: I...*,,; Scvcr*bitity. The &"tS.te anc1 locaJ law.15 &pptic.e.blo to this Mor1Sa.~ s:haU j;:)e the. l.t~.s ot the
h,ariedielion In whiClh the:! Pt"Opcrt:;y 1.0 loca:tcd. Tho rot'Cgoitl~ $Cntence &h~ll J"tot Umh the .'PP1iotJ.'bHit~. of r.edcral law 'to
thill' Mortpc:=. In tht cvc:nt tM't 6'ft.)" p-ovision or el4~ of 1his Mortgage or the!:: Note wnt1ict.S whh ~pplicablQ Jaw, 8l,1.C::fl.
eonfli~ shall not ;\ftec:t ether provisions. of 'thi.s. Monw:-~ Qt 'tho N0t4 whioh CAn. boa Sive:n .e4tG::t without thf# lo>>1.1nicdn.it
ptovir;Jcu", a.o.d 'to t}l.lt: crttd tho pmvtaionB ot this Mortpi:C ..nd th~ No~ &:to dect...,."d. to be $c!I'Vetabfc. As- v$cd he-tC;in.
""QlS:W," -6Xpcnacs" a.,"1d ..at1:Q~"Jr' tees" l.ocJudc all BUTn$ {(lo th=- ~tl;l'nt nO't pl'Qhibited by 4p,pliCliblc la.w Qr limited,
nct'c:-in.
J4. ))otrowCX"s CupY. Borrowor :lh.a1! 'be turtUsbcd & conrOn-ned. COP)' 01' 1~C1k: .nclat. VU:i Morttag.c at- ,.h.: time:-
of .""",,urion or oft4r rccordOlion '.ltorc:ot.. .' '.: , BOOK 4;/c:l 'AGE, ~4
07-21-11 fA...,.... PA "".0.;';;" ." . i...I...II.........IIII. '''0''''3
80/t>0'd
p~~,06~S,~,6 OL 86~~ 9,9 0~9aNIJI~~3S IIJ/ldJ-S~H ~~ Bc:B0 00. S, N~f
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15. R.t!h~biJiU.tt(m r.aan Agtc-emcl1t. Borr~m"lI;!>r lBh.1ll.11 fvUJ,11 /ill ut 13Qrrt'JWcr'", (,tl;l1ig~~h)n~ uode-r \tzU' h(lom.::
r.chahilitA ri()n. impr"C:)\'C:IT1~m. rf:opnil"', 0(' orh'::r InlJ:n "",l'l:c:rn~m: which 8l,lrroVt.'cl' '::nh::rs i:"lto witt:. J..c.tu)r;'.r-. (~,=nd',' at
l.et1-de.f'J;; .cPtiVIl, mlJ)' require Bor;-owC'r ~O e~C't:Ut~ find dellvt.r m l.~ndl.\l". in 0. (0:'"", ,,<::rJc:.?~lIo~11;: \o:J !.t=m.!~r. \In .a~":i'f.n~~::'~t ...
ot ,'I.")" ei;qht!!. cliA.im~ ur d.~({ms~.. whi<:h Bnrif,n.I:cr m:..y h::lve .1(;.iinst ~rtie.o; Wh(l ~uflPb Iu.brj:'. m"'r.e::l"'iJlt~ Or :1e=,\,jr,:lo1,t Lll
~oun.cC'tio 1\ with im(lt'o\'~m/;!'n-:s tn~de ~o the Pt~~rcy.
16. ""r.nsfer t'Jt the:- Prupcrt).. If B'H"C'"Qw=r SCillN Ill' tran:'l(cl".~ JII/1 (.f .&l....... p:;tn C~~ chI:! r'rop,=,:-t)' \"J/"" -!lrl 11le~('eSt
~lp:r,=in. cxcludrttg (n) the ert=':ltkHI of :!L Ih:n C}r 01\t:Lln".hr...t'l.~~ ~ub'.)rdin4t\!l to this. MOl't~i'lJ;e. (b) It tr;.r.n$-ccr by lJe\'isl::'.
deea<:nt, or b)' cperatl(ll'\ uf law \Ipon (hI:: death of Q joi:l.t :CMI:l.Ut, (0) th~ s;rl.lnt of 60r :ew$eh(1[d :nlt:rt::c;t nf t~\rt:'~ .r~1H"1'l nr
f~,~~ lluC cc)nthiflil"\1: ~rl optio(.r ~n puroh.:)se, (d) the c:rcltt\on t"Jt I:l, pUr~h3sc f:'\/'lnf::Y ~I.lrit,). In.t=rei1:t flJr h(IU,,;~hc.l,j
:nppll.anco.<t, (e) :. ,r:;.n..el...r It) G relative=: re:iluJt1tlt; rr~"lm the de'6'Ih IJf a Bot't'o\l,lcr. (t) a tnl"lJ\l~C'l" .....ho:::r~ ~ht; $t"V~::;: Or"
childrefl of tr.r= B(~rrow~r l>;COl'r"i~ :tn Owner Qr lho!:e pl;'opel't~'. (g) .!l tt'3/'1t.fQr tesulttuJ.{ ir~'/Ti il d!:'''''l'!::t:l of dj~':,(~:':r;Of\ nf
ml!ord;,go. :~g.l!IJ llf~~tlrinj()n Agreement, 01" fl"'Qm ::l.n incic!ell~:I.! propctt}' $C:ttlo.mClH oll;:rt;!:f;mcm, OJ' (~'hk~h thCl ,t;POUSI: ~)r tho:::
Be,rro\\:c:r b=C:(.lm~,; an O\\'(';e::r Qf the prnpl:!rt.)-', (h) a. tr<:ll'lstcr into un [ntc:-I' Y;wu; frllST in .....t:lc.:h tb~ U<'l:'t'o\\'cr ,:0; .\mJ
rt:::fT>;:l.ins :!L b.:ntlrlt.;\3r)l o1\d \\'ht.c:h doc$ l'l<'.lot rr:lat.C' t() * Cr"m~'er of rigMs of O(.ocvp.lIn(:',r in the pwpcrt}.. ()r Ci) 1lI::J' l.lthC'l'
tl"anfit.ezo (:or disposition d:~l,:ribQ"J in rt:~uJadons: fll"'~Sr.::-Jbcd hi th~ :rcdc:r~( Home::: C.o~r1 Ba:Ji,:, BOArd. aO:'rr,H'o'cr s:hl\l:
C:$.\.I~ ~CJ be:: sub:'niu~d infort'r'\l.\tLun rfllCjuited by LcndGt tn c:v(lluiltC' the uarlldct'i,;l:! a!l 11 ., new loaf) were- bo:oing f'/'lIsdf;:l 1u
th~ trlln:;(c:I'C'C'. BUl"'nJwl:\'r \\'il! c:~'mUnu~ to be. f)t:'oll~!I~C:cl \HlU~r the: ;-':CltM. I,Ind tl'li.!l ~lnrtgll:Sc t:nl~'N Lc.'t'H.Jcr rch:.tl~,~s
Rorrot....ct' if' writing.
It r.tlr..,.e:r docs (II:Jt ~grt:e to such Mtl"l .or tt'al~$;'rCI"', Londer mtt;,. OClJIat'to ",If of th'C' ~urn~ .~f..-Cvrcx.t hy thl.; ,\'!orlg:<I,ge ~,~ ~
:mrne:=(.Jiuc!)' dv'! :In,1 pa:j'!;clc:. If Lcnul!.'" t:';>.:t:l~i:;(;"J such opti(Jn to ""':L,~:QI'IlCC. I.~nde::r ~h.llrj rT::JH BUt'l'ch"'l:r n~':!I.:i; of
~1't,'clC::l'&.tiCJn in ~c(,l(,Jrd.:itlc~ w:th ptltagrllph 12 hCI.t:Vt'. Sut:h noti(;~ ~h.all p1'C1V1de )I period !~r IlC.H i(;:~ t2\M'I 30 cJa,r1ll. ::om
.h~ d.:a.ttt 4hd tl.(.ItiL:~ i~ mailed tll' "erivl;!rt:d withl\"l wl1tt:h. BorrcHve:r n":21Y ~y rhc !;\.un~ u!Jc:lorcd duc. rr J-ll'1:ro\lot!r f::ill;l;:o
Vll.y $~h '$um."s PTlur to the Cl:lI'pir-""tion or ,kUL:n period, T..t=n4o::t' mtloYt .....i-chout rUrT.'\l~r Iludt.'c Or thtmal'\d l.,m B<:'ltl"1.:H'>''=''.
tuvu)tc an)' rt:!m~di~ p.::-frnith:lC by par"&~r>.lph 17 hCtoot.
.\!Oro.:-L'NIFC:JUM <';(,)VE~'.'\.NTS. :!iorTvwC'r and J .c:muer (urtht:r c'.IVtmam: and rt,t::rt,.!= 3S f",IJ(')WIO~
t7. Ae(:~ler.Qt.iot:lj Rcmodios. f:,(c.:otpt as 'p1"c'lvidc:rl In p.:.:rilg'raph It) b~r(;(.)f'. ~run BQr1"O..,.'I:T'S Ot'l.:'$c.:tl Clr .!l.I'l}'
C()-\'rHU,l')'t 'Or ~lo':rcc;:men'C ot 8orrt)wel' in this .\-fOtt:QbZO. includins. ~he CO"'cn;tllle~ CoO pay wtJ~n dut:li lIIn,)' ~urno:
.Oilec\I(c:d by tbl'il i"lons.ag=. l.c:nder pt"inr to acc.:QI=r<lI'Cion ,~ta:J1J gjve tr~~~lce t(l Borrower :'lllr provided in
['1..orail..1illp.h 1:2' ht'r-cor spet:il'ting: 0) 1b4 ~.l'o.a.ch: (2) 'he acti(1n f'c-~uircd k, C:t1tC' :ruch 'brcauh; 0) b d~t;;, nUL
l~$$ th;:t.n. 30 dG.Y~ Irum thO! d.a1.11:1 the nocrcc is n;1;1Ued t(') Borrower. by ..."hfoh $ouch br/;,D.ch lTlUoll't bo cured: at'\c1
(4) tbo.,t failure tu cure such breach Q.o. o.t bl:rut'C1 ,ht:l dAt~ specified in 1hC' nt,:lttc;.:~ may I"l!l$ul'( io l:Il:.'c:elt':l't1tiun
....r Ihe: .sum," ~ce\u'",o:;I b).. t-hi:t ~CC::')l"'tgasc:. r4)C"'e-~lol!lu"c; b)' judlei2ll proQC'editr.g. and l:ale: ~t Ul.~ p,.r.lp"rt;'. '[he
f.a<>tfc-t:= shuH tUttb~,. iQrOrrn BC,)rn,,,,wQ1" .or the right te' reinstate ,art~r lJIcCcletttEivn and the richt tu ~:;.S!ert. in. ~be
fnrco10&UI:D prt"/l1,)\lOClding th= tlOAc)lJ~t~Tlct: or a defAult Or 1Iny c'lHv..:r dl:rens6' or nnrrQ'Wc1" t"J AC'l;i;irCl'utlun anC:
foreclosure. Jl Hu: breach is ~lc'Jt r:urcd on Q'f beforl: tht.l d.cuc spec;Uicd iu thc noH-ceo Lcnd.::t. UE Londet.f'$
npEiOA, 1'n8y r::I~clarc all '-It l:hc s:urtll~ $ocutcd b)' this. MuZ"tgogl;; ~u bo::. fmmc-diJ:ltcJy due 31'foj p:!yabte nHhou,,:,
C"IJ"1hc'r demllnr;l and rnCl'y fOttot:I-o.:;o this MorlJ:'-.g:c by lUdh:hlJ :procCc9!n~. Lender -$:h~JI be en'tlth:d 'i!,... CO(lcc't
ii' such prococd.tng 1111 C';~Pc:l"\~Q5i or (("u"",clu/Iilut"ol). inciuding. but n',"l't: limited to. rCI'$tJn:abrc at'H'l'l'J)l:....,;. f(:(:$ .und
C'c:)ctc or dvt.:umtntar)' oCvldc.nC:i:. DbJl1n,c:ts and tide report.'!. ,j
J 8. U~":z',.c,H"cr'$ Ri,tht to ,Re=in:ir'ate. ~otwith:;ea:'ldi.ng l.cndel"'u 1I(,'Cc:hmul~ln (It the:= :'l'Uty\!'l: b).' thu'l M(.\i'tSlJf;~ d\,l.... ttJ
aor.l'()"'.tlr...... brcsch, ;B:w'rnw;:t SlblillJ h.ol\-'O' tho I'i~h(. lu have an.... prcx:CC'difIB,'J ~g1Jn by Ll;Indul' to (:nt....rr:c '-"1$ ~lol:b:;t~t;!
diS<Jl'u\(inut:d 6.t an,)' tlml: prlc:.lt' ;0 r:tltry or ^ JucJf;motlt cnrurc:a\g chi!.! l\.jQnltasc if; C"J Bortowi:r P.,,\rS J.-c'u:1l::lr all r.llm~
w!lich wt""ufd b<: tht,\:n d~,1l:' Ut'l~r Chis Ml.)t'tgngc f:l1'/rJ th=- Nt)tc had no 3.0CCIL:t"IHirm oc:curn.:c.1: (h) ~OI'l'fH.,:~r ''.:\tf~~ ~Ii
brea-c1'1t::s ~r ~r..)' Qlhct' ~U\'~nilma ()I'" tt.GrQorn.c:'1'\ts Qr- DO.i'l'O.....l;l'T c:ontafnc(1 iI' thi", Mur:8~8ct: !cl .ijvrm"'~r P"''>'s tl.:1
r'CIiSoO;'\J$blt!i ~xpc(.!:selt i:loI:ur:C1d b)' Ll;!nd<::( in c::t'ltr'Jt'(,:ln,e: ttu: Ct,l'''l;mants aCid ~.sreor:u::n~1't r;lt norrr,,)''''er eot'ltl:dned i:i r,r,ios
~!t.'rt81l1A:Cl :J"d iu tltl!tlr~illS r.~L'\~<:r'l'i rc:m(lc.1Ie~ a~ p,'ovidl:!tI. rn pArd';:'rlaph 17 hc.:rl:!nt. ifo(.h.rcljZl~. bUG not limitl.ld tn.
;c:=J.,..,unlll~l~ iHLUrne)'$' r=c:o.c;: ,find (d) Rarr('llwcr tilt..I:elll 'jll,1Ctn uc::dQn &.3 t~tmc.1cr nuy I'CL'\U/I.Hbly require ;11 a:';""1't: lhllt th~ lilm
or till. MonLtl1t~. C.~IH.fcr'~ int4t"~!'it in tl'a~ Pr4'perw 4;:\<.! Er,1rrowcr's c'Jbll,t:<<tlon t() pill,)' tk~ ,1l1lM..!:l t:('~~.rr-;d by ll11~ ~fo:"':$:'I.l$a
uludl c;C1ntinut!f unimpaired. L'pon bUill-! pOl.)"ln<::I'lt ti.ru.1 cu.rl#' 11.)' aCII'ro.1Y~r. tbis .\.rQr~",!lo.l;:e' :,.IIul the ('1bligMfol'L!I I"..:'cur=d
h.:rGb,'l,ghtt.1I rc::matn In !ult 'l'Uo,:(: and cttt:c::~ as if nu :u:C:l:!foi;:raciot!. "'.lI.Q Ql;1,l\.rtr'f./d.
Z'>. .4$...Ie.nmcn1 ut 'Rent~; Appu-!n1monc (It R.t:cclvct. ^~ Gdditic.'.rnoli{ r..e:C\.:rity hl::tl:!'llllu=:!r. .B()rrov,'t',f' hrl't:;,Jo' aJ;.;;Ig,u::
eu 1~l!:l\dI!H' lh~ rcontl: or the i-'ro~arL."'. provid.::a ~n4~ BOttl"Jwer Oho.lI, pl'iur Cf) 3c,,:e-Jt::l"atfnll !.lOdc'" pal'll$f'llr.h J" h'.lf'c("or. in
abandonmcflt of 1h~ rmpl;o'1Y. tltl"'~ ~hg t'iRht. m 1;011=1:1 ",'d r~t\lin su~h r=ntos: ilSl tht')' I,.!:!C:(lm~ due :If'ld t=':,)'~\J:.ltl!"
LJpcm i2c~;clc:r::r.cir1n !,lndcC' p~r"'.et.rHph 7 he!l1"t:liot ot' .sn.1nctnnmr.ltl.t ut the .!-'ropettr. LcncJ~r .BI'Ulli '\"1= ecuh/cd :1' tH,!\''.;! ~
J'l.!cotillvO{ a,P(:roilltcLl h.> Cl. court tU I:;:ntcr Uf)OfI. t:\KC ?QS:$e:;ninn of i.f1u mi:lni:l.gc: tho Propert)' I!Itld ~() cul:"":!.:1 t1'II:.' remu ()( tilt:
Pro pert)' iru:llldlf'lS thot~ p.l,l$t; due. ",\II rcnt~ collt:!c;:tcd' by thr: rc::cicJ"oi $ll~11 b~ applied tiTlSt to pll.)'m~n': Qf tlll: (;0:::1:'\ vr
m:m.a.gcrruI1"It of th'! P:"oportJ.' I!IJ'l.cJ ~1,..tl1ec.t.i(.m of re:=nts, inc1w;Hrlg, but n'Jt limiEc:d. tu. rc:x:~ivl!;<I"!i: rUl!'i. p:~rnlul'r:.~ :11I
t"c.~cC'iY~r.H bends bfUl r~..QSOfLttb1c ~lltf.)rnc)'A t~~SI anrJ thu-f1 tu th(! B\Jml:l $,et.'~u'rld by thl~ MOft,tl:.:::tl;':e!. Tlt~ rt:ccl'o'er :inti I. ~e::
lia-1:-Jc:: tv ;L1oX,:~'UIU emly '^r those' rents! "~c.uall'y rt:C~!\'a<J..
lIT~21~91 Mllr19"S1I! PA
OPtI::/'!o\!,
Boo~:1.478'AGr. 295
HWml Mil ~III~ llnN~allll ~~DIIIIII~llIlllIIn fil//I!ln M IIII/I/mll 11M m /11/
PA\lu1144
80/S0'd
p~c_06~S_c_6 01 862~ 9_9 0299NIJ!~~3S IIJ/ldJ-S~H ~~ 8c:80 00, s_ N~r
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. ~, Jl.e1ca~. Upo-ta pAymc:nt Qr ali $U:n::U~' SI;;l;1,u;etd by 1:f\f1t. ~fort~ge. IAnd~ GhaU r~16:a.sc ihis MQrtgag.c withoUt chsrgc;:
t.o 'Bor~a", Bon"Cwct' 9hall pay #11 e05't8 Qt n:cotdation. it e:ny.
21. Waiver of e:om.~..si'Co-..:t. Borrow'X hen:b)' .....a.ivcs ""U tigh't nt homestead e.xwnption in the 1?rc~T~:t undor ,stll.tc
or pcdet"sllaw.
22~ I:a....al'$S"t R..t.o Mtl:ir 1'Q.<.t,t:m.CD.1.. Borrower Ag~ tl'J.~ intl!%'Cat f/iI:~ p3;yab{e a.ftcr ~ judgml;:]')t lS cnt~ud on ~hl;
No~ Ot' [n an t\cuon or mortsagc..t~lq6Il.,lt'l!!I s1;all 'be the rate- Gtatc<1 in the: Note"
RiQl:iEST.,FOJl. NOnCB OF P:al"AUL'l'
,AND FQR.ECLOSlJ:Rl! lJNPllR SlJIi'EroOl<
MORTG~GES OR DEEOS OF TR.lJST
-B(<I~(loa>.t'
w~r"(l_"'''
"
f h~ "r<ft at d~ ,pt"CQj:!;GAcklf"C::8$. of t;hc ~ (Mo&'"ts~) I~ HOUSEHOLO FINANCE
25 GATEWAY, OOI!%VlO ," '/!IECHANIBS8URG .PA 2701:;5
an behaLI 01 tho Uol\d<>.: By; MATT. ,"lI~RMAN! Tltl,,: BRANCH "'MANAGER
COMM:ONWBALTK OF PBN,"S,Y.l, VANIA,., ~.......<I- Countyos,
1., AN N E' A S T A F i= OR ~ ' . a. NoWY Publit; ita a.nd IQ~ Mid t:Qunty and state. OU hcr-e'by cct"tity tha'
EOWARD A REISI~~EA & BARBARA A REISING~R
~$OA81lY "nown to me to be The Sltnll;l pct'SQn(~)' Wh05C n.~e(s) 8 r a su'b6el'i'bcd tQ the fort;,oing instrument.
.appco.reQ belate l't1C W,,(i.a:y In~. oJnd .acknoW1~so thal_t;~_ tU.af.t.cc3 ~ncl dcUvcn:d the ~id ;Mtt\lm~nt ~
~ha:t%" f~ volunt.ar)' AOt, tor ~h* uses (LJ'td purpo~ therein set forth,
O1vlI!:n und.e:1" my rn.nd .and official fiCQl, this
My Cc:n~'u'ni&Sio^ cxpirCG:;
24th dAy of AUGUST
,19~,
NOTARIAL SeAL
AHHSA. STAFFORD
>_ PA CCllIIJ8$lOHSR 0" DEEDS
... l:OIiIIlSllIOII EXPIRES APR L 1001
/L...,.A- ~ ~~
IOt4ty' '0
07~2'-$7 MottOA,6 PA
~:::'J..m""'t..... pt"o"a,cd by:
~
HOUSE!HOI..O FINANCE CORI"'CRATION
2$ Gat>,.MiIy DrIve, St.IIllEl1 07 " ".
MecI'1E11'1fcsourg, MA<4.U4j"j~ , 'A\\
(SPflQ:lt :I;lolo- Tt-iill l..~ ~.~."Tbd. Po.- l.c~ "ad ~DCO:t'dor) M
\ R.cturn To~
Ho~hofd PinAnea COtp"r.;!.don
,bOOK14?8rAGf" 296 577 Lo.mOM Ro'"
:E1mnur.s'h- It.. 60J 26
PA~t1UA~
OA.ltll~
'.1111..11.11.........
80/90' d
v~c~06~S~c~6 01 86~~ 9~9 0~99NIJln~3S IIJ/ldJ-S~H ~~ 6c:80 00, S, N~f
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December 15, 2000
Barbara Reisinger
353 "East Fort Street
Shippensburg, P A 17257
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
This is an official notice that the mortgage on your home is in default. and the lender intends to foreclose,
Specific information about the nature of the default is provided in the attached pages,
T!J.e HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (:HEAP) may be able to help to save your
~
This Notice explains how the program works.
}o see if HEAP can help. you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY
:wITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the
Counseling Agency.
The name. address and phone number of Consumer Credit Counseling Agencies serving your County are listed
at the end ofthis Notice, Ifvou have any q.uestions. you may call the Pennsylvania Housing Finance Agency
toll free at 1-800-342-2397 (Persons with impaired hearing can call (717) 780-1869.
This Notice contains important legal information. If you have any questions, representatives at the Consumer
Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your
area, The local bar association may be able to help you find a lawyer,
LA NOTIFICATION EN ADJUNTO ES DE SUMA IMPOR CIA, PUES AFECTA SU DERECHO A
CONTINUAR VIVIENDO EN SU CASE. SI NO CO E CONTENIDO DE EST A
NOTIFICACION OBTENGA UNA TRADUCCION IMMEDI !!' ..' !A ESTA AGENCIA
(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARG . . M~EDO
ARRIBA, PUEDESSERELEGIBLEPARAUNPRESTAMOPORELPRO MAL 0
"HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUB . SAL V AR
SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA.
HOMEOWNER'S NAME(S):
PROPERTY ADDRESS:
LOAN ACCOUNT NUMBER:
ORIGINAL LENDER:
Barbara Reisinger
353 East Fort Street. Shippensburg. PA 17257
713303-00-9706017
"~~ ~" -
,L-. ~u....." e." II
, ~
--"~I:
CURRENT LENDERlSERVICER: Household Finance COl.:poration
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
you MAYBE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SA VB YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS.
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE:
- IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL,
- IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE
PAYMENTS, AND
- IF yOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYL VANIA
HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE--Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty (30) days from the date of this Notice, During that time you must arrange
and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this
Notice, THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR
EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE
PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEF AUL T." EXPLAINS HOW TO
BRING YOUR MORTGAGE UP TO DATE,
CONSUMER CREDIT COUNSELING AGENCIES--If you meet with one of the consumer credit
counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days
after the date of this meeting, The names. addresses and telephone numbers of desi~nated consumer credit
counseling agencies for the county in which the property is located are set forth at the end of this Notice, It is only
necessary to schedule one face-to-face meeting, Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE-- Your mortgage is in default for the reasons set forth
. later in this Notice (see following pages for specific infonnation about the nature of your default), If you have tried
and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the
Homeowner's Emergency Mortgage Assistance Program, To do so, you must fill out, sign and file a completed
Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling
agencies listed at the end of this Notice, Only consumer credit counseling agencies have the applications for the
program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency,
Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting,
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT
FOLLOW THE OTHER TIME PERlODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED
AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE
WILL BE DENIED,
~.~
. _.~U
=~
, '
,',",~ .
CURRENT LENDER/SER VICER: Household Finance COI:poration
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
you MAYBE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS,
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAYBE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE:
- IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL
,
- IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE
PAYMENTS, AND
- IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA
HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE--Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty (30) days from the date of this Notice, During that time you must arrange
and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end oftrus
Notice, THIS ME$TING MUST OCCUR WITHIN THE NEXT (30) DAYS, IF YOU DO NOT APPLY FOR
EMFlRGENCYMORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE
PART OF TIDS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT." EXPLAINS HOW TO
BRING YOUR MORTGAGE UP TO DATE,
CONSTJMER CREDIT COUNSELING AGENCIES--If you meet with one of the consumer credit
counseling agencies listed at the end of this notice, the lender may NOT take actiori against you for thirty (30) days
after the date of this meeting, The names. addresses and telephone numbers of desi~nated consumer credit
counseling ae:encies for the cotmty in which the pro.perty is located are set forth at the end of this Notice. It is only
necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions,
APPLICATION FOR MORTGAGE ASSISTANCE-- Your mortgage is in default for the reasons set forth
later in tlns Notice (see following pages for specific information about the nature of your default), If you have tried
and are unable to resolve this problem with the lender, you have the right to apply for fmancial assistance from the
Homeowner's Emergency Mortgage Assistance Program, To do so, you must fill out, sign and file a completed
Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling
agencies listed at the end of this Notice, Only cOllsumel' credit counseling agencies have the applications for the
program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency,
Your application MUST be filed or postmarked witllin thirty (30) days of your face-to-face meeting,
YOU MUST FILE YOUR APPLICATION PROMPTLY, IF YOU FAIL TO DO SO OR IF YOU DO NOT
FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED
AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE
WILL BE DENIED,
,""'-==->,.....,,, h .", "~
O~
'-
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, I
AGENCY ACTION--Available funds for emergency mortgage assistance are very limited. They 'will be
disbursed ?y the Agency under the eligibility criteria established by the Act, The Pennsylvania Housing Finance
Agency has sixty (60) days to make a decision after it receives your application, During that time, no foreclosure
prcceedings will be pursued against you if you have met the time requirements set forth above, You will be notified
directly by the Pennsylvania Housing Finance Agency of its decision on your application,
NOTE: IF YOU ARE CURRENTLY ,PROTECTED BY THE FILING OF A PETITION IN
BANKRUPTCY, THE FOLLOWING PART OF TIDS NOTICE IS FOR INFORMATION
PURPOSESONL Y AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO
COLLECT THE DEBT,
(If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.)
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date),
NATURE OF THE DEFAUL T-- The MORTGAGE debt held by the above lender on your property located at 353
East Fort Street. Shippensburg. PA 17257 IS SERIOUSLY IN DEFAULT because:
YOU HA VB NOT MADE MONTHLY PAYMENTS for the following months and the following amounts are now
past due: $480,89 for the months of October 1999 through December 1999
Other charges:
TOTAL AMOUNT PAST DUE: $1.442.35
HOW TO CURE THE DEF AUL T-- You may cure this default within TIDRTY (30) DAYS of the date of this Notice
BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $1.442,35. PLUS ANY
MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE TIITRTY (30) DAY
PERIOD, Payments must be made either by cash. cashier's check. certified check or money order made payable
and sellt to:
Margaret Smith
Household Finance Corporation
P.O, Box4153
Carol Stream, IL 60197-4153
IF yOU DO NOT CURE THEDEFAULT--Ifyou do not cure the default within TIDRTY (30) DAYS of the date
of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the
entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the
mortgage in monthly installments, If full payment of the total amount past due is not made within TIDRTY (30)
DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged
propertt,.
IF THE MORTGAGE IS FORECLOSED UPON--The mortgaged property will be sold by the Sheriff to payoff
the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender
begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were
actually incurred, up to $50,00. However, if legal proceedings are started against you, you will have to pay all
reasonable attorney's fees actually incurred by the lender even if they exceed $50.00, Any attorney's fees will be
added to the amount you owe the lender, which may also include other reasonable costs, Ifvou cure the default
within the THIRTY (30) DAY period. you will not be required to pay attorney's fees.
. '-"' ",.~.~-
-"'1~ '-"""-
~ .
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OTHER LENDER REMEDIES-- The lender may also sue you personally for the unpaid principal balance and all
other sums due under the mortgage,
RJ{iHT TO CURB THE DEF AUL T PRIOR TO SHERIFF'S SALE--Ifyou have not cured the default within the
THIRTY (30) DA Y period and foreclosure proceedings have begun, you still have the right to cure the default and
prevent the sale at any time up to one hour before the Sheriff's Sale, You may do so by paying the total amount then
past due. plus any late or other charges then due. reasonable attorney's fees and costs connected with the foreclosure
sale and any other costs connected with the Sheriff's Sale as specified in writing by the lender and by performing
any other requirements under themortga@:e, Curing your default in the manner set forth in this notice will
restore your mortgage to the same position as uyou had never defaulted.
Name of Lender: Household Finance COJ:poratiol1
Address: }' .0, Box 4153, Carol Stream. IL 60197-4153
phone Number: 1-800-609-4278. Ext.
Fax Number: 630-617-7744
Contact Person: Marl1aret Smith
J
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EARLIEST POSSIBLE SHERIFF'S SALE DATE--It is estimated that the earliest date that such a Sheriff's Sale
of the mortgaged property could be held would be approximately from the date oftbis Notice. A notice of the
actual date of the Sheriff's Sale will be sent to you before the sale, Of course, the amount needed to Clu'e the default
will increase the longer you wait. You may find out at any time exactly what the required payment or action will
be by contacting the lender,
HOW TO CONTACT THE LENDER:
EFFECT OF SHERIFF'S SALE-- You should realize tl1at a Sheriff's Sale will end your ownership of the mortgaged
property and yom' right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to
remove you and your ful'l1ishings and other belongings could be started by the lender at any time,
ASST1MPTION OF MORTGAGE--You mayor X may not sell or transfer your home to a buyer
or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's
fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THERIGBT:
- TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAYOFF THIS DEBT,
- TO HAVE THIS DEFAULT CURBD BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
- TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD
OCCURRED, IF yOU CURE THE DEF AUL T. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE
YOUR DEF AUL T MORE THAN THREE TIMES IN ANY CALENDAR YEAR,)
- TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR
ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS.
- TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MA Y HAVE TO SUCH ACTION BY
THE LENDER,
~""~~""W~
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.
- TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW,
FOR CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY, PLEASE SEE
THE ATTACHED LIST.
NOTE: Unless you notifY this office within thirty (30) days after receiving this notice, that you dispute the
validity of this debt or any portion thereof, this office will assume that the debt is valid, If you notifY this office in
writing within thirty (30) days from receiving this notice, tlris office will: obtain verification of the debt or obtain
a copy of judgment and mail you a copy of such judgment or verification, You are also advised that any
information which you supply to this office may be used by us in the collection of the debt. If you request this
office in writing within thirty (30) days after receiving this, this office will provide you with the name and address
of the original creditor,
THE PURPOSE OF THIS COMMUNICATION IS TO COLLECT A DEBT AND ANY INFORMATION
,OBTAINED WILL BE USED FOR THIS PURPOSE.
SENT VIA REGULAR MAIL AND
CERTIFIED MAIL NUMBERZ 174 599 231
RETURN RECEIPT REQUESTED
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SHERIFF'S RETURN - REGULAR
CASE NO: 2000-00818 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
HOUSEHOLD FINANCE CONSUMER
VS
REISINGER BARBARA A
HAROLD WEARY
, Sheriff or Deputy Sheriff of
Cumberland County, Pensyl vania , who being duly sworn according to law,
says, the within REINSTATED COMP-MORT/FORE was served upon
REISINGER BARBARA A
the
DEFENDANT
, at 0012:38 HOURS, on the 5th day of May
, 2000
at 313 DWELLING COURT
SHIPPENSBURG, PA 17257
by handing to
BARBARA A. REISINGER.
a true and attested copy of REINSTATED COMP-MORT/FORE together with
NOTICE
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
18.00
12.40
.00
10.00
.00
40.40
So Answers:
~~~-C?~i
R. Thomas Kline
me this
.et::;", .
/0' ~, day of
05/09/2000
MCCABE, WEISBERG & CONWAY
BY:"~ ~..b.,
Deputy Sherif~
Sworn and Subscribed to before
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McCABE, WEISBERG AND CONWAY, P.C.
BY: TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
First Union Building
123 South Broad Street, Suite 2080
Philadelphia, PA 19109
(215) 790-1010
Attorney for Plaintiff
Household Finance Consumer
Discount Company
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
v
Barbara A. Reisinger
NUMBER
2000-818 Civil Term
ASSESSMENT OF DAMAGES AND ENTRY OF JUDGMENT
TO THE PROTHONOTARY:
Kindly enter judgment by default in favor of Plaintiff and
against Defendant in the above-captioned matter for failure to
answer Complaint as required by Pennsylvania Rules of Civil
Procedure and assess damages as follows:
Principal
Interest from 1/15/00
through 6/13/00
TOTAL
$59,895.34
AND NOW, this
/4ik
$ 2,251.41
$62,146.75
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TERRENCE . McCABE, S-QUIRE
J~
, 2000,
day of
Judgment is entered in favor of Plaintiff, Household Finance
Consumer Discount Company and against Defendant Barbara A.
Reisinger and damages are assessed in the amount of $62,146,75,
plus interest and costs,
BY THE PROTHONOTARY:
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McCABE, WEISBERG AND CONWAY, P.C.
BY: TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
First Union Building
123 South Broad Street, Suite 2080
Philadelphia, PA 19109
(215) 790-1010
Household Finance Consumer
Discount Company
v
Barbara A. Reisinger
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Attorney for Plaintiff
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
NUMBER
2000-818 Civil Term
CERTIFICATION
Terrence J. McCabe, Esquire, attorney for Plaintiff, being
duly sworn according to law, deposes and says that he deposited
in the United States Mail a letter notifying the Defendant that
judgment would be entered against him/her within ten (10) days
from the date of said letter in accordance with Rule 237.5 of the
Pennsylvania Rules of Civil Procedure. A copy of said letter is
attached hereto and marked as Exhibit "A."
SWORN TO AND SUBSCRIBED
BEFORE ME THIS /3 f'JIDAY
OF ::J (//1 e.. , 2000.
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TERRENCE J. CABE, ESQUIRE
Attorney for Plaintiff
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OFFICE OF THE PROTHONOTARY
COURT OF COMMON PLEAS
CUMBERLAND COUNTY COURTHOUSE, CARLISLE, PA 17013
LAWRENCE E. WELKER
Prothonotary
To: Barbara A. Reisinger
313 Dwelling Court
Shippnsburg, Pa 17257
Household Finance Consumer
Discount Company
v
Barbara A. Reisinger
May 26, 2000
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
NUMBER
2000-818 civil Term
NOTICE, RULE 237.5
NOTICE OF PRAECIPE TO ENTER JUDGMENT BY DEFAULT
IMPORTANT NOTICE
You are in default because you have failed to
enter a written appearance personally or by
attorney and file in writing with the Court
your defenses or objections to the claims set
forth against you. Unless you act within ten
(10) days from, the date of this notice, a
judgment may be entered against you without
a hearing and you may lose your property or
other important rights. You should take this
notice to a lawyer at once. If you do not
have a lawyer or cannot afford one, go to or
telephone the following office to find out
where you can get legal heLp:
Court Administrator
Cumberland County Courthouse
Carlisle, PA 17013
(717) 240-6200
NOTIFICACION IMPORTANTE
Usted se encuentra en estado de rebeldia por
no haber presentado una comparecencia escrita,
ya sea personalmente 0 por abogado y par no
haber radicado par escrito con este Tribuna!
sus defensas u objeciones a Los reclamos
formulados en contra suyo. AL no tomar la
Bccion debida dentro de diez (10) dias de La
fecha de est a notificacion, el Tribunal podra,
sin necesidad de comparecer usted en corte u
oir preuha alguna, dictar sentencia en su
contra y usted podria perder bienes u otros
derechos importantes. Debe llevar esta
notificacion a un abogado inmediatamente. Sf
usted no tiene abogado, 0 si no tiene dinero
suficiente para tal servicio, vaya en persona
o llame por telefono a la oficina, nombrada
para averiguar si puede conseguir asistencia
legal,
Court Administrator
Cumberland County Courthouse
Carlisle, PA 17013
(717) 240-6200
If you have any questions concerning this notice, please call:
Terrence J. McCabe, Esquire
McCABE, WEISBERG AND CONWAY, P.C.
First Union Building
123 South Broad Street, Suite 2080
Philadelphia, Pennsylvania 19109
at this telephone number: (215) 790-1010
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VERIFICATION
The undersigned, TERRENCE J. McCABE, ESQUIRE, hereby
certifies that he is the attorney for the Plaintiff in the within
action and that he is authorized to make this verification and
that the foregoing facts are true and correct to the best of his
knowledge, information and belief and further states that false
statements herein are made subject to the penalties of 18 PA.C.S.
Section 4909 relating to unsworn falsification to authorities.
Jo (\f\O~~m(' GJp
TERRENCE J. cCABE, ESQUIRE
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McCABE, WEISBERG AND CONWAY, P.C.
BY: TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
First Union Building
123 South Broad Street, Suite 2080
Philadelphia, PA 19109
(215) 790-1010
Attorney for Plaintiff
Household Finance Consumer
Discount Company
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
v
Barbara A. Reisinger
NUMBER
2000-818 Civil Term
AFFIDAVIT OF NON-MILITARY SERVICE
COMMONWEALTH OF PENNSYLVANIA:
SS.
COUNTY OF PHILADELPHIA
The undersigned, being duly sworn according to law, deposes
and says that the Defendant is not in the Military or Naval
Service of the United States or its Allies, or otherwise within
the provisions of the Soldiers' and Sailors' Civil Relief Act of
Congress of 1940 as amended; and that the Defendant, Barbara A.
Reisinger, is over eighteen (18) years of age, and resides at
313 Dwelling Court, Shippensburg, PA 17257.
SWORN TO AND SUBSCRIBED
BEFORE ME THIS 13ft, DAY
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OF , 2000.
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Nj PUBLIc:'
GlOFi/1 cNOTARI^'
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TERRENCE J. McCABE, ESQUIRE
Attorney for Plaintiff
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OFFICE OF THE PROTHONOTARY
COURT OF COMMON PLEAS
CUMBERLAND COUNTY COURTHOUSE, CARLISLE, PA 17013
Curtis R. Long
Prothonotary
To: Barbara A. Reisinger
313 Dwelling Court
Shippensburg, Pa 17257
Household Finance Consumer
Discount Company
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
v
Barbara A. Reisinger
NUMBER
2000-818 Civil Term
NOTICE
Pursuant to Rule 236, you are hereby notified that a
JUDGMENT has been entered in the above proceeding as indicated
below.
Curtis R. Long
Prothonotary
X Judgment by Default
Money Judgment
Judgment in Replevin
Judgment for Possession
If you have any questions concerning this Judgment, please call
Terrence J. McCabe, Esauire at (215) 790-1010.
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IN WE 0JURl' OF CCMDN PLFAS OF ClM3ERLI\ND COUNl'Y. PENNSYLVANIA
CIVIL DIVISION
v.
File No. 2000-818 CV
Arrount Due $62,146.75 ,/'
Interest 6/14/00
Atty's Cornn
Costs
HOUSEHOLD FINANCE CONSUMER
DISCOUNT COMPANY
BARBARA A. REISINGER
TO THE PROIHONOTARY OF THE SAID COURT:
The undersigned hereby certifies that the below does not arise out of a retail
installment sale, contract, or account based on a confession of judgment, but if it does,
it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as
amended; and for real property pursuant to Act 6 of 1974 as amended.
PRAEX::IPE FOR EXECUTION
Issue writ of execution in the above rratter to the Sheriff of Cumberland
County, for debt, interest and costs upon the following described property of the
defendant(s) 353 E. Fort Street, Shippensburg, PA 17257
(See attached description).
PRAECIPE FOR ATl'ACHMENT EXEnlTION
Issue writ of attachment to the Sheriff of Cumberland County, for debt,
interest and costs, as above, directing attachment against the above-named garnishee(s) for
tha following property (if real estate, supply six copies of the description; supply four
copies of lengthy personalty list) 353 East Fort St., Shippensburg, PA 17257 .
and all other property of the defendant(s) in the possession, custody or control of the
said garnishee ( s) .
(Indicate) Index this writ against the garnishee(s) as a lis pendens against
real estate of the defendant(s) described in the attached exhibit.
6~11-()O
Signature:,jQ }v'\(J/7V1"o 0 IYl r (A1-
Print Name: Terrenle J. McCabe, Esq.
123 S. Broad St., Suite 2080
DATE:
Address,
Attorney for:
Phi1a., PA 19109
Plaintiff
Telephone:
(215) 790-1010
Supreme Court ID No. :
16496
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Notes. If real property, supply six copies of description including improvements and an
original and copy of affidavit of ownership (PaR.C.P. No. 3129).
If lengthy personalty list, supply four copies of list.
To index writ, file separate praecipe with writ.
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All that certain property situated in the Borough of Shippensburg
in the County of Cumberland and Commonwealth of Pennsylvania, being
more fully described in Deed dated 3/19/65 and recorded on 3/21/65.
Being known as 353 East Fort Street, Shippensburg, PA.
Tax I.D, No. 32-33-1867-007
Improvements: A single family dwelling
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UNITED STATES BANKRUPTCY COURT
FOR THE MIDDLE DISTRICT OF PENNSYLVANIA
In re: Barbara Ann Reisinger
Chapter 7
Debtor
Bankruptcy No. 1-00-00655RJW
AND NOW, this
ORDER
13(h day of ~ ,t~
, 2000
it is hereby
ORDERED that the automatic stay of Bankruptcy Code
~362(a) be, and the same hereby is, MODIFIED to permit Household
Finance Consumer Discount Company, to foreclose its mortgage,
and, without limitation, to exercise any other rights it has
under the mortgage or with respect to the property located at:
353 East Fort Street, Shippensburg, PA 17257 and bearing Tax
I.D. #32-33-1867-007.
Rule 4001(a) (3) is not applicable and Movant may immediately
enforce and implement this order granting relief from the
automatic stay,
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Robert J. Woodside
United States Bankruptcy Judge
cc.: Attached Service List
Mortgage dated August 24, 1998 and recorded August 26, 1998in the
Office of the Recorder of Cumberland County in Mortgage Book 1478
Page 292.
Household Finance Consumer Discount
Company , ;l1sburg, PA
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McCABE, WEISBERG AND CONWAY, P.C.
BY: TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
First Union Building
123 South Broad Street, Suite 2080
Philadelphia, PA 19109
(215) 790-1010
Attorney for Plaintiff
Household Finance Consumer
Discount Company
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
v
Barbara A. Reisinger
NUMBER
2000-818 Civil Term
AFFIDAVIT PURSUANT TO RULE 3129
I, Terrence J. McCabe, Esquire, attorney for Plaintiff in
the above action, set forth as of the date the Praecipe for the
Writ of Execution was filed the following information concerning
the real property located at 353 East Fort Street, Shippensburg,
PA 17257, a copy of the description of said property is attached
hereto and marked Exhibit "A."
1. Name and address of Owner(s) or Reputed Owner(s):
Name
Address
Barbara A. Reisinger
313 Dwelling Court
Shippensburg, PA 17257
2. Name and address of Defendant(s) in the judgment:
Name
Address
Barbara A. Reisinger
313 Dwelling Court
Shippensburg, PA 17257
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3, Name and last known address of every judgment creditor
whose judgment is a record lien on the real property to be sold:
Name
Address
Borough of Shippensburg
To be provided.
First National Bank
To be provided.
Plaintiff herein.
4. Name and address of the last recorded holder of every
mortgage of record:
Name
Address
Plaintiff herein.
5. Name and address of every other person who has any
record interest in or record lien on the property and whose
interest may be affected by the sale:
Name
Address
None,
6.
Plaintiff
which may
Name and address of every other person of whom the
has knowledge who has any interest in the property
be affected by the sale:
Name
Address
Occupant(s)
353 East Fort Street
Shippensburg, PA 17257
Domestic Relations
Cumberland County
P.O. Box 320
Carlisle, PA 17015
I verify that the statements made in this Affidavit are
true and correct to the best of my personal knowledge or
information and belief. I understand that false statements
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4904 relating to unsworn falsification to authorities.
6-1>-00
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All that certain property situated in the Borough of Shippensburg
in the County of Cumberland and Commonwealth of Pennsylvania, being
more fully described in Deed dated 3/19/65 and recorded on 3/21/65.
Being known as 353 East Fort Street, Shippensburg, PA.
Tax I.D. No. 32-33-1867-007
Improvements: A single family dwelling
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McCABE, WEISBERG AND CONWAY, P.C.
BY: ~ERRENCE J. McCABE, ESQUIRE
Identification Number 16496
First Union Building
l23 South Broad Street, Suite 2080
Philadelphia, PA 19109
(215) 790-1010
Attorney for Plaintiff
Household Finance Consumer
Discount Company
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
v
Barbara A. Reisinger
NUMBER
2000-818 Civil Term
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: Barbara A. Reisinger
313 Dwelling Court
Shippensburg, PA 17257
Your house (real estate) at 353 East Fort Street,
Shippensburg, PA 17257 (more fully described as attached) is
scheduled to be sold at Sheriff's Sale on September 6, 2000 at
10:00 a.m. in the Commissioner's Hearing Room located on the 2nd
Floor of the Cumberland County Courthouse, 1 Courthouse Square,
Carlisle, Pennsylvania 17013, to enforce the court judgment of
$62,146.75 obtained by Household Finance Consumer Discount
Company against you.
NOTICE OF OWNER'S RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriff's Sale you must take immediate action:
1. The sale will be canceled if you pay to Household
Finance Consumer Discount Company the back payments,
late charges, costs, and reasonable attorney's fees
due. To find out how much you must pay, you may call
Terrence J. McCabe, Esquire at (215) 790-1010.
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2. You may be able to stop the sale by filing a petition
asking the Court to strike or open the judgment, if the
judgment was improperly entered. You may also ask the
Court to postpone the sale for good cause.
3. You may also be able to stop the sale through other
legal proceedings,
You may need an attorney to assert your rights. The sooner you
contact one, the more chance you will have of stopping the sale,
(See the following notice on how to obtain an attorney.)
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY
AND YOU HAVE OTHER RIGHTS
EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE
1. If the Sheriff's Sale is not stopped, your property will be
sold to the highest bidder. You may find out the price bid
by calling Terrence J. McCabe, Esquire at (215) 790-1010.
2. You may be able to petition the Court to set aside the sale
if the bid price was grossly inadequate compared to the
value of your property.
3. The sale will go through only if the buyer pays the Sheriff
the full amount due on the sale. To find out if this has
happened, you may call Terrence J. McCabe, Esquire at (215)
790-1010.
4. If the amount due from the buyer is not paid to the Sheriff,
you will remain the owner of the property as if the sale
never happened.
5. You have a right to remain in the property until the full
amount due is paid to the Sheriff and the Sheriff gives a
deed to the buyer. At that time, the buyer may bring legal
proceedings to evict you.
6. You may be entitled to a share of the money which was paid
for your real estate. A schedule of distribution of the
money bid for your real estate will be filed by the Sheriff
on a date specified by the Sheriff not later than 30 days
after sale. This schedule will state who will be receiving
that money. The money will be paid out in accordance with
this schedule unless exceptions (reasons why the proposed
schedule of distribution is wrong) are filed with the
Sheriff within ten (10) days after the filinq of the
schedule of distribution.
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7. You may also have other rights and defenses, or ways of
getting your real estate back, if g you act immediately
after the sale.
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 LISTED BELOW TO FIND
OUT WHERE YOU CAN GET LEGAL HELP.
LAWYER REFERRAL SERVICE
COURT ADMINISTRATOR
4TH FLOOR,
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PENNSYLVANIA 17013
(717) 240-6200
OR
CUMBERLAND COUNTY
BAR ASSOCIATION
2 LIBERTY AVENUE
CARLISLE, PA 17013
(717) 249-3166
.
All that certain property situated in the Borough of Shippensburg
in the County of cumberland and Commonwealth of Pennsylvania, being
more fully described in Deed dated 3/19/65 and recorded on 3/21/65.
Being known as 353 East Fort Street, Shippensburg, PA.
Tax I.D. No. 32-33-1867-007
Improvements: A single family dwelling
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McCABE, WEISBERG AND CONWAY, P.C.
BY: TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
Firs~ Union Building
,123 South Broad Street, Suite 2080
Philadelphia, PA 19109
(215) 790-1010
Attorney for Plaintiff
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Household Finance Consumer
Discount Company
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
v
Barbara A. Reisinger
NUMBER
2000-818 civil Term
AFFIDAVIT OF SERVICE
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I, Terrence J. McCabe, Esquire, attorney for the Plaintiff in
the within matter, hereby certify that on the 17TH DAY OF JULY, 2000, a
true and correct copy of the Notice of Sheriff's Sale of Real Property was
served on all pertinent 1ienholder(s) as set forth in the Affidavit
Pursuant to 3129 which is attached hereto as Exhibit "An.
Copies of the letter and certificate of mailing are also
attached hereto, made a part hereof and marked as Exhibit "B."
lJgA~~J~~
TERREN E J. McC BE, SQUIRE
SWORN TO AND SUBSCRIBED
BEFORE ME THIS 17TH DAY
OF JULY, 2000.
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McCABE, WEISBERG AND CONWAY, P.C.
BY: TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
First Union Building
123 South Broad Street, Suite 2080
Philadelphia, PA 19109
(215) 790-1010
Attorney for Plaintiff
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Household Finance Consumer
Discount Company
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
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Barbara A. Reisinger
NUMBER
2000-818 Civil Term
AMENDED AFFIDAVIT PURSUANT TO RULE 3129
I, Terrence J. McCabe, Esquire, attorney for Plaintiff in the
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above action, set forth as of the date the Praecipe for the Writ of
Execution was filed the following information concerning the real property
located at 353 East Fort Street, Shippensburg, PA 17257, a copy of the
description of said property is attached hereto and marked Exhibit "A."
1, Name and address of Owner(s) or Reputed Owner(s) :
Name
Address
Barbara A. Reisinger
313 Dwelling Court
Shippensburg, PA 17257
2. Name and address of Defendant(s) in the judgment:
Name
Address
Barbara A. Reisinger
313 Dwelling Court
Shippensburg, PA 17257
3.
whose judgment
Name
is a
Name
and last known address of every judgment creditor
record lien on the real property to be sold:
Address
BOROUGH OF SHIPPENSBURG
201 DYKEMAN ROAD
SHIPPENSBURG, PA 17257
First National Bank
To be provided.
Plaintiff herein.
4 Name and addE~_ffBlriF lIcor,d,ed holder of every
mortgage of 'rec~:~~ ^nl III ~ess
Plaintiff herein.
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interest in
affected by
Name and address of every other person who has
or record lien on the property and whose interest
the sale:
Name Address
any record
may be
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6 . Name and
Plaintiff has knowledge
affected by the sale:
Name
address of every other person of whom the
who has any interest in the property which may be
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Address
Occupant(s)
353 East Fort Street
Shippensburg, PA 17257
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Domestic Relations
Cumberland County
P.O. Box 320
Carlisle, PA 17015
I verify that the statements made in this Affidavit are true and
correct to the best of my personal knowledge or 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.
July 17, 2000
cCABE, ESQUIRE
Plaintiff
DATE
EXHIBIT "P:.'
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. McCABE, WEISBERG AND CONWAY, P. C.
BY: TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
123 South Broad Street, Suite 2080
Philadelphia, Pennsylvania 19109
(215) 790-1010
Attorney for Plaintiff
Household Finance Consumer
Discount Company
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
v
Barbara A. Reisinger
NUMBER
2000-818 Civil Term
DATE: July 17, 2000
TO: ALL PARTIES IN INTEREST AND CLAIMANTS
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
OWNER(S): Barbara A. Reisinger
PROPERTY: 353 East Fort Street, Shippensburg, PA 17257
IMPROVEMENTS: Residential Dwelling
The above-captioned property is scheduled to be sold at the
Sheriff's Sale on September 6, 2000 at 10:00 a.m. in the
Commissioner's Hearing Room located on the 2nd Floor of the
Cumberland County Courthouse, 1 Courthouse Square, Carlisle,
Pennsylvania 17013. Our records indicate that you may hold a
mortgage or judgments on the property which will be extinguished
by the sale. You may wish to attend the sale to protect your
interests.
A schedule of distribution will be filed by the Sheriff on a date
specified by the Sheriff not later than 30 days after sale.
Distribution will be made in accordance with the schedule unless
exceptions are filed thereto within 10 days after the filing of
the schedule.
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STATE OF PENNSYLVANIA,
COUNTY OF CUMBERLAND
} 55.
Robert P Ziegler
I, __________________________________________________________________________~___Recorderof
Deeds in and for said County and State do hereby certify that the Sheriff's Deed in which __________n_n_
Household Finance C DC.
______________________________________________________-_____________________________ ~ the grantee
the same having been sold to said grantee on the __~:_~______________n_nn_________________n_ day of
September xx2000
nn_____nn__n___n___n_______n_n_ A. D., 19n_nn_' under and by virtue of a wriLn____n_____
Execution 14th
______________________________ _ __ ___ __ _ __ ___ __ _ _ issued on the ___________ _____ _n n ___ __ __ ______ ___
June xx2000 .
day of __________________________ A. D" bnn__' out of the Court of Cornman Pleas of saId County as of
__________!lJ-_'Ll..L______ _____ _ _,. __ _ __ _____ _ ____ n __ _____ n _ __ n _____n n_ n __ ~__ n Term;~ QD.ll. __
Number __I!!L_n____' at the suit of __nl:!~~~_~I.!~J_<!._~.!!U,U:U;._____mm______n_m_____________
. Barbara A Reisinger :.
___________________________________agalllst____________________________________________________ ~
duly recorded in Sheriff's Deed Book No, _z.~~________, Page ~~nnn__'
IN TESTIMONY WHEREOF, I have hereunto
set my hand and seal of said office this ~_'!!:.____ day
~1;Ai)in---:_~_ ::~:
, R
Remer of Deeds. Cumb9rland County, Caltisle, PA
My Commission upiles Ihe fillt MoAdi, ol Jan. 2OlI2
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Household Finance Consumer Discount
Company
-vs-
Barbara A. Reisinger
In the Court of Common Pleas of
Cumberland County, Pennsylvania
No. 2000-818 Civil
Timothy Reitz, Deputy Sheriff who being duly sworn according to law, says on
Julyl8, 2000 at 4:46 o'clock P.M. EDST, he served a true copy of real Estate Writ Notice
Poster and Description in the above entitled action upon the within named defendant to
wit: Barbara Reisinger by making known unto Barbara Reisinger at 313 Dwelling Place,
Shippensburg, Cumberland County, Pennsylvania, its contents and at the same time
handing to her personally the said true and attested copies of the same.
Timothy Reitz, Deputy Sheriff, who being duly sworn according to law, says on July
18,2000 at 5:00 o'clock P.M. EDST, he posted a copy of real Estate Writ Notice Poster
and Description in the above entitled action upon the property of Barbara Reisinger
located at 353 Fort Street, Shippensburg, Cumberland County, Pennsylvania according to
law.
R. Thomas Kline, Sheriff who being duly sworn according to law, says he served the
above Real Estate Writ Notice Poster and Description in the following Manner: The
Sheriff mailed a notice of the pendency of the action to the within named defendant to
wit: Barbara Reisinger by regular mail to 313 Dwelling Place, Shippensburg,
Pennsylvania. This letter was mailed under the date of July 19,2000 and never returned
to the Sheriff's Office. \tP
R. Thomas Kline, Sheirff, who being duly sworn according to law, says that after due and CI\\Jv
legal notice and been given according to law, exposed the above described premises at S~
public venue or outcry at Court House, Carlisle, Cumberland County, Pennsylvania and
sold the same for the sum of $ 1.00 to Attorney James Flower, Jr. for Household Finance
Consumer Discount Co. It being the highest bid and best price quoted for the same
Household Finance Consumer Discount Co. of961 Weigel Street, P,O. Box 8604
Elmhurst IL 60126 being the buyer in this execution paid to SheriffR. Thomas Kline the
sum of$ 533.17 it being costs.
Sheriff's Costs
Docketing
Poundage
Posting Bills
Advertising
Acknowledging Deed
Auctioneer
Law Library
County
Mileage
Certified Mail
Levy
Surcharge
Law Journal
Patriot News
30.00
10.45
15.00
15,00
30.00
10.00
.50
1.00
24.80
1.98
15.00
20.00
130.55
153.86
~~ ~
Share of Bills
Distribution
Sheriff s Deed
Sworn and Subscribed To Before Me
This /(,f(:: Dayof()~
2000, A.D. Q1'" ,t2 /hnl:._, #
Pr tb:onotary
23.53
25.00
26.50
$ 533.17 Pd by arty
9/29/00
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R. Thomas Kline, Sheriff
Byfl,t;-; --,' -It/7!I;:-
Real Estate Deputy
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]iimu.e.b.,oLShipp,ensbuT..g in the County of
~rl~no" ,and, ComnwJ:ll\'.;alth 01
~i\'an4\ b#in& U1Ot.e, fully d~cribu1 in
~~ JIJ9J6S.w..d record,ed pn 3121/65.
~~~'P ,~ ;E.l, East ,.Iyrl Stred,
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to .. ' t
THE PATRIOT NEWS
THE SUNDAY PATRIOT NEWS
Proof of Publication
Under"ct No, 587, "DDmued MaD 16,1929
Commonwealth of Pennsylvania, County of Dauphin} ss
James L. Clark being duly sworn according to law, deposes and says:
That he is the Accounts Receivables Manager of THE PATRIOT-NEWS CO" a corporation organized and existing under
the laws ot the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market
Slreet, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of THE PATRIOT-
NEWS and THE SUNDAY PATRIOT-NEWS newspapers of general circulation, printed and published at 812 to 818
Market Street, in the City, County and State aforesaid; that THE PATRIOT-NEWS and THE SUNDAY PATRIOT-NEWS
were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously
published ever since;
That the printed notice or publication which is securely attached hereto is exactly as printed and published in
their regular daily and/or Sunday and Metro editions/issues which appeared on the 1 st, 8th and 15th day(s) of
AUgust 2000, That neither he nor said Company is interested in the subject matter of said printed notice or
advertising, and that all of the allegations of this statement as to the time, place and character of publication are
true; and
That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this
statement on behalf of The Patriot-News Co, aforesaid by virtue and pursuant to a resolution unanimously passed and
adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in
the office for the Recording of Deeds in and for said County of Dauphin in M,iSC7eous Book "M",
Volume 14, Page 317. . {}, 4.
PU B~~Cp~TION swo~-;~~~~~~~:r~~~-~:t~~--~-;;~-~~-~;;:---~;;;~~~
S ALE #49 Notarial Seal
Tef!}ll. Russell, Notary Pu c
Harrisburg, Dauphin County
Mv Cotn!T,i!'l;slol'l Expires June 6, 2002
-_..--
Memtler, Pennsytvania Association otanis
NO ARY PUBLIC
Ission expires June 6, 2002
\
.
CUMBERlAND COUNTY SHERIFFS OFFICE
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA. 17013
Statement of Advertising Costs
To THE PATRIOT-NEWS CO., Dr.
For publishing the notice or publication attached
hereto on the above stated dates $
Probating same Notary Fee(s) $
Total $
152.36
1.50
153.86
Publisher's Receipt for Advertising Cost
THE PATRIOT-NEWS CO" publisher of THE PATRIOT-NEWS and THE SUNDAY PATRIOT-NEWS, newspapers of general
circulation, hereby acknowledge receipt of the aforesaid notice and publication costs and certifies that the same have
been duly paid. THE PATRIOT-NEWS CO.
By""",.,.,.,.,.......,................".,."..,................."
PROOF OF PUBLICATION OF NOTICE
IN CUMBERLAND LAW JOURNAL
(Under Act No. 587, approved May 16, 1929), P. L.1784
STATE OF PENNSYLVANIA :
ss.
COUNTY OF CUMBERLAND :
Roger M. Morgenthal, Esquire, Editor of the Cumberland Law Journal, of the County
and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland
Law Journal, a legal periodical published in the Borough of Carlisle in the County and State
aforesaid, was established January 2, 1952, and designated by the local courts as the official legal
periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly
issued weekly in the said County, and that the printed notice or publication attached hereto is
exactly the same as was printed in the regular editions and issues of the said Cumberland Law
Journal on the following dates,
V1Z:
JULY 28, AUGUST 4, 11, 2000
Affiant further deposes that he is authorized to verify this statement by the Cumberland
Law Journal, a legal periodical of general circulation, and that he is not interested in the subject
matter of the aforesaid notice or advertisement, and that all allegations in the foregoing
statements as to time, place and character of publication are true.
REAL ESTATE SALE NO. 49
Wrtt No, 2000-818 Clvtl
Household Finance Consumer
Discount Company
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vs.
Barbara A. Reisinger
SWORN TO AND SUBSCRIBED before me this
11 day of AUGUST. 2000
Atty.: Terrence J. McCabe
All that certain property situated
in the Borough of Shippensburg in
the County of Cumberland and Com-
monwealth of Pennsylvania, being:
more fully described in Deed dated '
3/19/65 and recorded on 3/21/65. ,
Being known as 353 East Fort Street,
Shippensburg.PA.
Tax1.D, No. 32-33-1867-007.
Improvements: A single fam1lY'
dwelling.
NOTARIAL SEAL
LOIS E. SNYDER. NolGr'Public
Carlitle 10.0, Cumberlond Caunty, PA
lAy CommiAion bpi_March 5, 2001
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McCABE, WEISBERG AND CONWAY, P.C.
BY: TERRENCE J. McCABE, ESQUIRE
Identification Number l6496
First Union Building
123 South Broad Street, Suite 2080
Philadelphia, PA 19109
(215) 790-1010
Attorney for Plaintiff
Household Finance Consumer
Discount Company
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
v
Barbara A. Reisinger
NUMBER
2000-818 Civil Term
AFFIDAVIT PURSUANT TO RULE 3129
I, Terrence J, McCabe, Esquire, attorney for Plaintiff in
the above action, set forth as of the date the Praecipe for the
Writ of Execution was filed the following information concerning
the real property located at 353 East Fort Street, Shippensburg,
PA 17257, a copy of the description of said property is attached
hereto and marked Exhibit "A."
1. Name and address of Owner(s) or Reputed Owner(s) :
Name
Address
Barbara A. Reisinger
313 Dwelling Court
Shippensburg, PA 17257
2. Name and address of Defendant(s) in the judgment:
Name
Address
Barbara A. Reisinger
313 Dwelling Court
Shippensburg, PA 17257
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3. Name and last known address of every judgment creditor
whose judgment is a record lien on the real property to be sold:
Name
Address
Borough of Shippensburg
To be provided,
First National Bank
To be provided.
Plaintiff herein.
4. Name and address of the last recorded holder of every
mortgage of record:
Name
Address
Plaintiff herein.
5. Name and address of every other person who has any
record interest in or record lien on the property and whose
intereat may be affected by the sale:
Name
Address
None.
6 '
Plaintiff
which may
Name and address of every other person of whom the
has knowledge who has any interest in the property
be affected by the sale:
Name
Address
Occupant(s)
353 East Fort Street
Shippensburg, PA 17257
Domestic Relations
Cumberland County
P.O. Box 320
Carlisle, PA 17015
I verify that the statements made in this Affidavit are
true and correct to the best of my personal knowledge or
information and belief. I understand that false statements
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herein are made subject to the penalties of 18 Pa.C,S. Section
4904 relating to unsworn falsification to authorities.
6- 1>-00
J.Q Jl/110/tA A 4 //)(' ~i~
TERRENCE J. ~CCABE, ESQUIRE
Attorney fol Plaintiff
DATE
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All that certain property situated in the Borough of Shippensburg
in the County of Cumberland and Commonwealth of Pennsylvania, being
more fully described in Deed dated 3/19/65 and recorded on 3/21/65,
Being known as 353 East Fort Street, Shippensburg, PA.
Tax I.D. No. 32-33-1867-007
Improvements: A single family dwelling
EXHIBIT "j}\'
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McCABE, WEISBERG AND CONWAY, P.C.
BY: TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
First Union Building
123 South Broad Street, Suite 2080
Philadelphia, PA 19109
(215) 790-l010
Attorney for Plaintiff
Household Finance Consumer
Discount Company
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
v
Barbara A. Reisinger
NUMBER
2000-818 Civil Term
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: Barbara A. Reisinger
313 Dwelling Court
Shippensburg, PA 17257
Your house (real estate) at 353 East Fort Street,
Shippensburg, PA 17257 (more fully described as attached) is
scheduled to be sold at Sheriff's Sale on September 6, 2000 at
10:00 a.m. in the Commissioner's Hearing Room located on the 2nd
Floor of the Cumberland County Courthouse, 1 Courthouse Square,
Carlisle, Pennsylvania 17013, to enforce the court judgment of
$62,146.75 obtained by Household Finance Consumer Discount
Company against you.
NOTICE OF OWNER'S RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriff's Sale you must take immediate action:
1. The sale will be canceled if you pay to Household
Finance Consumer Discount Company the back payments,
late charges, costs, and reasonable attorney's fees
due. To find out how much you must pay, you may call
Terrence J. McCabe, Esquire at (215) 790-1010.
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2. You may be able to stop the sale by filing a petition
asking the Court to strike or open the judgment, if the
judgment was improperly entered. You may also ask the
Court to postpone the sale for good cause.
3. You may also be able to stop the sale through other
legal proceedings.
You may need an attorney to assert your rights. The sooner you
contact one, the more chance you will have of stopping the sale.
(See the following notice on how to obtain an attorney.)
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY
AND YOU HAVE OTHER RIGHTS
EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE
1. If the Sheriff's Sale is not stopped, your property will be
sold to the highest bidder. You may find out the price bid
by calling Terrence J. McCabe, Esquire at (215) 790-1010.
2. You may be able to petition the Court to set aside the sale
if the bid price was grossly inadequate compared to the
value of your property.
3. The sale will go through only if the buyer pays the Sheriff
the full amount due on the sale. To find out if this has
happened, you may call Terrence J. McCabe, Esquire at (215)
790-1010.
4. If the amount due from the buyer is not paid to the Sheriff,
you will remain the owner of the property as if the sale
never happened.
5. You have a right to remain in the property until the full
amount due is paid to the Sheriff and the Sheriff gives a
deed to the buyer. At that time, the buyer may bring legal
proceedings to evict you.
6. You may be entitled to a share of the money which was paid
for your real estate. A schedule of distribution of the
money bid for your real estate will be filed by the Sheriff
on a date specified by the Sheriff not later than 30 days
after sale. This schedule will state who will be receiving
that money. The money will be paid out in accordance with
this schedule unless exceptions (reasons why the proposed
schedule of distribution is wrong) are filed with the
Sheriff within ten (10) days after the filinq of the
schedule of distribution.
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7. You may also have other rights and defenses, or ways of
getting your real estate back, if g you act immediately
after the sale.
Y9U 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 LISTED BELOW TO FIND
OUT WHERE YOU CAN GET LEGAL HELP.
LAWYER REFERRAL SERVICE
COURT ADMINISTRATOR
4TH FLOOR.
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PENNSYLVANIA 17013
(717) 240-6200
OR
CUMBERLAND COUNTY
BAR ASSOCIATION
2 LIBERTY AVENUE
CARLISLE. PA 17013
(717) 249-3166
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All that certain property situated in the Borough of Shippensburg
in the County of Cumberland and Commonwealth of Pennsylvania, being
more fully described in Deed dated 3/19/65 and recorded on 3/21/65.
Being known as 353 East Fort Street, Shippensburg, PA.
Tax I.D. No. 32-33-1867-007
Improvements: A single family dwelling
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WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OFCUMBERLANO)
NO.
2000-818 CIVIL 19
CIVIL ACTION - LAW
TO THE SHERIFF OF
f'11mh;;)rl;:mn
COUNTY:
To satisfy the debt, interest and costs due
Household Finance Consumer Discount Company
PLAINTlFF(S)
from Barbara A. Reisinger
353 E. Fort Street
Shippensburg, PA 17257
(1) You are directed to levy upon the property of the defendant(s) and to sell
OEFENOANT(S)
SA? attached dp.scriptinn
(2) You are' also directed to attach tlleprop,erty of the defendant(s) not levied upon in the possession of
GARNISHEE(S) as follows:
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and to notny the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is/are enjoined from paying any
debt to or for the account of the .deJe.!').~~!J)J~), <\ncJfr<;lmdelivering any property of the defendant(s) or othe~!se disposing
thereof; .... 'u," . ..... "'~_.'." ... .".... ,. ..u
(3) If property ollhe defendant(s) not levied upon an subjectto attachment is found inthe possession of anyone other
than a named garnishee , you are directed to notify him/her that he/she has been added as a garnishee and is enioined as above
stated,
Atty's Comm
Atty Paid
Plaintiff Paid
%
L.L.
Due Prothy
Other Costs
$.50
$1.00
Amount Due
Interest
$62.146.75
6/14/00
5]98.82
Date:
June 14. 2000
Curtis R. Lonq
Prothonotary, Civil Division
by: '1~"< k ~~ ,9j
Deputy
REQUESTING PARTY:
Address:
Te=ence J. McCabe. Esg.
123 S. Broad St., Suite 2080
Phila. PA 19109
Attorney for: Plaintiff
Telephone: (215) 790-1010
Supreme Court ID No. 16496
Name
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REAL ESTATE SALE No.~~ \
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interest in the real property situated in .J~R'~ .'^ 1-(; "~
Cumberland County, P3" known;;r1d numbered as: ~~
..JI 'ffI)AfJli'll' ana more \;;;ibed on Exhibit "A" filed with
this writ and by this reference incorporated herein.
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