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Home My WebLink About00-01034 . ",.--- , I'I;-"j ... PRAECIPE FOR WRIT OF EXECUTION - (MORTGAGE FORECLOSURE) P.R.C.P.3180-3183 CHASE MANHATTAN MORTGAGE CORPORATION, FIK/A CHEMICAL RESIDENTIAL MORTGAGE CORPORATION CUMBERLAND COUNTY Plaintiff, No. 2000-1034 CIVIL TERM v. NATHANK.MCNAUGHTON Defendant(s). TO THE DIRECTOR OF THE OFFICE OF THE PROTHONOTARY: Issue writ of execution in the above matter: Amount Due I .,.-",+~ 2/d/JtJ - 1fl.1tfoo l~/Ij.lY'i dt~,.J Interest from 7/26/00 - 12/6/00 $97.9-l-T.65 q 4-, 53 Q. 331 r- "'~ { c.ois $2.141.30 and Costs 12.... (per diem - $16.10) $100.058.35 TOTAL F Note: Please attach description of property.No. ! \1 1','1 I' ~ I I: . ,"" rei ," ~ ~ @ 't:l .g ~ '" S ~ or ro '" ~ p.. ~.l:02: t"'J~> ~=.., ~s~ ~~po:: ga""~ ~~t'"l ~~~ Pt::i~ ~~~ >;;J= .... ..., ~ 0 "" 2: "" > ~ t:r ro '" ~ ~, "!j ~. - ro P.- ~ Q i;;J o ""l ::\.0 a:::c ~~ ~ ..., ~ 0 c""l ~ l"J ... ~ ~l"J t'"l ~ ..., ... o 2: _, 'f ~ ~ po:: ~ t'"l 2: ~ ~ = .., o 2: ,....,,- ~, --~ -< ~ t'"l ~~ ~ 0!i2 00 ::Ct'"l l"J ~=t'"l~ ~~~~ l"Jt=i"=> t'"l > 0..., ot"'~.., ~~::l~ oooo~ ~6~0 ::l~ 1:l 0'" ~ 2:~ ~ l"J gz ~.., g;[;J ~t'"l ~g 1:l ~o O""l ~t'"l "'0 ~-< ~ -=~ l"Jo ~2: 00-= tsE; <:> ~~ >,""l ~""lr~~""~-~-"~-' ..., ~ IV o o o !J> ~ ~, _<r""'~ . , '. L_. llI'rr.<WIlt- , DESCRIPTION ALL THAT CERTAIN lot or tract of land and premises, Situate in the Township of Hampden, Cumberland County, Commonwealth of Pennsylvania, more particularly described as follows: BEGINNING at a point on the Northern right-of-way line of Kittatinny Drive (64' wide private), at the dividing line of Lot #76 and Lot #77; said point also being located 781.28 feet West of the Northwest corner of Kittatinny Drive and Tussey Court. THENCE by the Northern right-of-way line of Kittatinny Drive North 82 degrees 02 minutes 02 seconds West 20.00 feet to a point; thence by line of Lot #78 and passing through the center of a partition wall North 07 degrees 57 minutes 58 seconds East 100.00 feet to a point; thence by line of land now or formerly of J.P. Roth, South 82 degrees 02 minutes 02 seconds East 20.00 feet to a point; thence by line of Lot #76 and passing through the center of a partition wall South 07 degrees 57 minutes 58 seconds West 100.00 feet to a point on the Northern right-of-way line of Kittatinny Drive, the place of beginning. CONTAINING 2,000 square feet. BEING Lot #77 on Final Subdivision 'Plan of Mountain View Village Phase IV recorded in Plan Book 60, page 87B. UNDER AND SUBJECT to certain restrictions and conditions as appear of record in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania in Miscellaneous Book 392 page 787, Miscellaneous Book 393 page 557 and Miscellaneous Book 414, page 1102. Tax Parcel # 10-15-1285-127 TITLE TO SAID PREMISES IS VESTED IN Nathan K. McNaughton by Deed from Amy E. Geib (formerly Amy E. McNaughton) dated 6/4/98, recorded 5/6/99, in Deed Book 198, Page 1120. AND THE SAID Nathan K. McNaughton and Amy E. McNaughton were divorced by Final Decn~e entered in #1997-01593 on 7/24/97. AND THE SAID Amy E. McNaughton did file a Notice of Intention to resume prior name on 8/5/97 and is now known as Amy E. Geib. 1iI!-"''''''~~ ~1fJl ~1IiiI1IaIiIlI!l ~~~lliJa.-iJl;;,,;m . ' d,liMllill,Mj ~ "".... ,.,., "".,ie.. -'-'--"~- F~ ---- ~ - -J '\~ ~ ~ ~ ........, J o 0.:. ~~~ 't9 .~ <>() t:~~ . \~- ~ o c ~"~ ~~~. ef) ~'. - -<-,;<" r:P'"l :;:::: ~' :f::S=' ~-~ ! ~":> ;:::- '= .::, -< ..,~, . C.-) c.':; ~j) ;-.., -a :":---..: G~ i'n :.:::'? .,..~~i ~rn ~' SS -< ~, d T:-;:l i'~) (",) . ' ._'~ I' )1 I: I: t: !~ Ii :i il I: i' ., Ii I: " Ii @) - - .., ,-', . "~-- 1Itio.; " .. CHASE MANHATTAN MORTGAGE CORPORATION, FIKIA CHEMICAL RESIDENTIAL MORTGAGE CORPORATION CUMBERLAND COUNTY COURT OF COMMON PLEAS Plaintiff, v. CIVIL DIVISION NATHANK.MCNAUGHTON NO. 2000-1034 CIVIL TERM Defendant(s). AFFIDAVIT PURSUANT TO RULE 3129 (Affidavit No. I) CHASE MANHATTAN MORTGAGE CORPORATION. FIKlA CHEMICAL RESIDENTIAL MORTGAGE CORPORATION. Plaintiffin the above action, by its attorney, FRANK. FEDER1vlAN, ESQUIRE, sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at 4190 KITTATINNY DRIVE. MECHANICSBURG. PA 17055. I. Name and address ofOwner(s) or reputed Owner(s): NAME LAST KNOWN ADDRESS (If address cannot be reasonably ascertained, please so indicate.) NATHANK. MCNAUGHTON 4190 KITTATINNY DRIVE MECHANICSBURG, PA 17055 2. Name and address ofDefendant(s) in the judgment: NAME LAST KNOWN ADDRESS (If address cannot be reasonably ascertained, please so indicate.) Same as above 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: NAME LAST KNOWN ADDRESS (If address cannot be reasonably ascertained, please so indicate.) None . ~4 I ,.~ '""".1 .. 4. Name and address of the last recorded holder of every mortgage of record: NAME LAST KNOWN ADDRESS (If address cannot be reasonably ascertained, please so indicate.) Commercial Credit Corporation 6520 Carisle Pike, Suite 155 Mechanicsburg, P A 17055 5. Name and address of every other person who has any record lien on the property: NAME LAST KNOWN ADDRESS (If address cannot be reasonably ascertained, please so indicate.) None 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: NAME LAST KNOWN ADDRESS (If address cannot be reasonably ascertained, please so indicate.) None 7, Name and address of every other person whom the plaintiff has knowledge who has any interest in the property, which may be affected by the sale: NAME LAST KNOWN ADDRESS (If address cannot be reasonably ascertained, please so indicate.) Tenant/Occupant 4190 KITTATINNY DRIVE MECHANICSBURG, PA 17055 Domestic Relations of Cumberland County 13 North Hanover Street Carlisle, P A 17013 Amy E. Geib, fIkIa Amy E. McNaughton 4190 Kittatinny Drive Mechanicsburg, P A 17055 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 Pac C.S. Sec. 4904 relating to unsworn falsification to authorities. September 11. 2000 DATE ~~~~ F KFEDE ,ESQUffiE Attorney for Plaintiff Iii' ,~ '", -... -~ ~"'~_...._" 0,.'..." ~, ' '""'b',"''",'.', .......... "'~ -rJ E;;J ~~T is) 5:.- ~ G ~":,~., ~~~ Z -, -< " ",".,."", o C :,-". " ~ .'--'" f":) c...-') P1 'v ...1 Go: I ~,~s , 9 ~~~~ ::::j ':> ~ "" ..... -0 f".-.) 1'-..) (Al - ~I . ~i FEDE~andPHELAN By: FRANK FEDERMAN Identification No. 12248 Suite 900 Two Penn Center Plaza Philadelphia, P A 19102 (215) 563-7000 ATTORNEY FOR PLAINTIFF CHASE MANHATTAN MORTGAGE CORPORATION, FfK/A CHEMICAL RESIDENTIAL MORTGAGE CORPORATION CUMBERLAND COUNTY COURT OF COMMON PLEAS Plaintiff, CIVIL DIVISION v. NO. 2000-1034 CIVIL TERM NATHAN K. MCNAUGHTON Defendant(s). CERTIFICATION FRANK FEDERMAN, ESQUIRE, hereby verifies that he is attorney for the Plaintiff in the above-captioned matter, and that the premises are not subject to the provisions of Act 91 because it is: (X) an FHA mortgage () non-owner occupied () vacant () Act 91 procedures have been fulfilled This certification is made subject to the penalties of 18 Pac C.S. Section 4904 relating to unswom falsification to authorities. ~t8:il,~",,-~"e . ~ ._"'~""'""-""'~~-ri\.ilill .', .- tl"'j '_'"k~'..'''''''''' ,'.' - ".. o S < -ot::' ~~;'j 7~!'--- u:,--'~ -<;~ G,_/ ;~ 2': _-4 -< '< c.:) C) C) ';1 UJ n" ~J :l=~ (.':. r;',:? ~~ ,_J ,'V (;J ~ ~~ . " T" (:J , -(:? f , i!lJ'~ - CHASE MANHATTAN MORTGAGE CORPORATION, FIKfA CHEMICAL RESIDENTIAL MORTGAGE CORPORATION CUMBERLAND COUNTY No. 2000-1034 CIVIL TERM Plaintiff, v. NATHAN K. MCNAUGHTON Defendant(s). September 11,2000 TO: NATHAN K. MCNAUGHTON 4190 KITTATINNY DRIVE MECHANICSBURG, P A 17055 "TillS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY AND THIS DEBT WAS NOT REAFFIRMED, THIS IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY." Your house (real estate) at 4190 KITTATINNY DRIVE. MECHANICSBURG. PA 1105Q, is scheduled to be sold at the Sheriff's Sale on DECEMBER 6. 2000 at 10:00 a.m. in the Cumberland County Courthouse, South Hanover Street, Carlisle, PA 17013, to enforce the court judgment of $$97.917.05obtained by CHASE MANHATTAN MORTGAGE CORPORATION. FIK/A CHEMICAL RESIDENTIAL MORTGAGE CORPORATION (the mortgagee) against you. If the Sheriff s sale is postponed, the property will be relisted for the March 7, 2001 Sheriff s Sale. 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: I. The sale will be cancelled if you pay to the mortgagee the back payments, late charges, costs and reasonable attorney's fees due. To fmd out how much you must pay, you may call: (215) 563-7000. 2. You may be able to stop the sale by filing a petition asking the Court to strike or Opt:ll 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. ,. ., 'J ,. ''''. --"rt' f / . 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 notice on page two 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. I. Ifthe Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (215) 563-7000. 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 in the sale. To find out if this has happened, you may call (717) 240-6390. 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 the 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 house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within 30 days of the 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 distribution is wrong) are filed with the Sheriff within ten (10) days after the distribution is filed. 7 . You may also have other rights and defenses, or ways of getting your home back, if 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. CUMBERLAND COUNTY ATTORNEY REFERRAL CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CUMBERLAND COUNTY COURTHOUSE CARLISLE, P A 11013 (717) 249-3166 (800) 990-9108 .-"~""- ~" '"~ j " . -~~ DESCRIPTION ALL THAT CERTAIN lot or tract of land and premises, Situate in the Township of Hampden, Cumberland County, Commonwealth of Pennsylvania, more particularly described as follows: BEGINNING at a point on the Northern right-of-way line of Kittatinny Drive (64' wide private), at the dividing line of Lot #76 and Lot #77; said point also being located 781.28 feet West of the Northwest corner of Kitlatinny Drive and Tussey Court. THENCE by the Northern right-of-way line of Kittatinny Drive North 82 degrees 02 minutes 02 seconds West 20.00 feet to a point; thence by line of Lot #78 and passing through the center of a partition wall North 07 degrees 57 minutes 58 seconds East 100.00 feet to a point; thence by line of land now or formerly of J.P. Roth, South 82 degrees 02 minutes 02 seconds East 20.00 feet to a point; thence by line of Lot #76 and passing through the center of a partition wall South 07 degrees 57 minutes 58 seconds West 100.00 feet to a point on the Northern right-of-way line of Kittatinny Drive, the place of beginning. CONTAINING 2,000 square feet. BEING Lot #77 on final Subdivision Plan of Mountain View Village Phase IV recorded in Plan Book 60, page 87B. UNDER AND SUBJECT to certain restrictions and conditions as appear of record in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania in Miscellaneous Book 392 page 787, Miscellaneous Book 393 page 557 and Miscellaneous Book 414, page 1102. Tax Parcel # 10-15-1285-127 TITLE TO SAID PREMISES IS VESTED IN Nathan K. McNaughton by Deed from Amy E. Geib (formerly Amy E. McNaughton) dated 6/4/98, recorded 5/6/99, in Deed Book 198, Page H20. AND THE SAID Nathan K. McNaughton and Amy E. McNaughton were divorced by final Decree entered in #1997-01593 on 7/24/97. AND THE SAID Amy E. McNaughton did file a Notice of Intention to resume prior name on 8/5/97 and is now known as Amy E. Geib. illi.~_~~~~>!l~li><!,"i~m...'!tfIi<'filll1t.t""Il.: , "'~"" .'-"' ~~ ~-- """ ,-," '= 'W~' ... ,- .tLllru'r ~ -'" , . (') C.) c:: 0 :=::-.. :.n -0 Cl ;'T1 rn r~ -, -'-0 . . -C] Z ::1:; Z Lo~ , --:-I~l en c...: - 'I' -< .. , -:;;) c::: ,,' --r;; ~ -'H C ~..,'-'" i'-'") -;-..:,; , " " u )> '.' r~J c::) rn c= L ""... >' -~ :J.J -< (~ -< .._,~. !I il I, Ii Ii II I II \ . - '.......~ FEDERMAN AND PHELAN By: FRAJ{KFEDERMAN,ESQU]RE IDENTIFICATION NO. 12248 TWO PENN CENTER PLAZA, SUITE 900 PHILADELPHIA, PA 19102 (? 1 'i) 'ifi,-7000 , ATTORNEY FORPLNNTIFF COURT OF COMMON PLEAS CIVIL DIVISION CHASE MANHATTAN MORTGAGE CORPORATION , F/KIA CHEMICAL RESIDENTIAL MORTGAGE CORPORATION 3415 VISION DRIVE COLUMBUS,OH 43219 TERM Plaintiff CUMBERLAND COUNTY (!,'C:>lfT~ v. NO. olOOO - IOJ~ NATHAN K. MCNAUGHTON 4190 KITTATlNNY DRNE MECHANICSBURG, PA 17055 Defendant( s) C.IVTL AC.TION _ T.AW MORTGAGE 1I0RECT.OSTmE NOTICE **TillS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PuRPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY AND TIllS DEBT WAS NOT REAFFIRMED, THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY. ** 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 TillS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HA VB A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 (717) 249-3166 Loan#: 1500120296 ,";jJ~- ~~ .-~- L " li'~;t 1. Plaintiff is CHASE MANHATTAN MORTGAGE CORPORATION , F/KJ A CHEMICAL RESIDENTIAL MORTGAGE CORPORATION 3415 VISION DRIVE COLUMBUS, OH 43219 2. The name(s) and last known address(es) of the Defendant(s) are: NATHAN K. MCNAUGHTON 4190 KITTATINNY DRNE MECHANICSBURG, P A 17055 who is/are the mortgagor(s) and real owner(s) of the property hereinafter described. 3. On 9/15/95 NATHAN K. AND AMY E. MCNAUGHTON made, executed and delivered a mortgage upon the premises hereinafter described to SOVEREIGN BANK which mortgage is recorded in the Office of the Recorder of CUMBERLAND County, in Mortgage Book No. 1282, Page 879. By Assignment of Mortgage dated 9/28/95 the mortgage was assigned to PLAINTIFF which Assignment is recorded in Assignment of Mortgage Miscellaneous Book No. 511, Page 550. 4. The premises subject to said mortgage is described as attached. 5. The mortgage is in default because monthly payments of principal and interest upon said mortgage due 10/1/99 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. ,-"~~ ~~~ ,::.ill ~"---- ~=.=, ., .~~ ._1 '" .-~t,~,,,,~...,, . 6. The following amounts are due on the mortgage: Principal Balance Interest 9/1/99 through 2/1/00 (per Diem $19.09) Attorney's Fees Cumulative Late Charges 9/15/95 to 2/1/00 Cost of Suit and Title Search Subtotal $87,100.44 2,920.77 4,000.00 161.75 55JlJl.Q 94,732.96 Escrow Credit Deficit Subtotal 194.84 fi.illl 124M TOTAL $94,538.12 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 Sheriffs Sale. If the Mortgage is reinstated prior to the Sale, reasonable attorney's fees wiIl be charged. 8. This action does not come under Act 6 of 1974 because the original mortgage amount exceeds $50,000.00. 9. Plaintiff hereby releases AMY E. MCNAUGHTON from liability for the debt secured by the mortgage. WHEREFORE, PLAINTIFF demands an in = Judgment against the Defendant(s) in the sum of $94,538.12, together with interest from 2/1/00 at the rate of$19.09 per diem to the date of Judgment, and other costs and charges collectible under the mortgage and for the foreclosure and sale of the mortgaged properly. ~;:;~~ /~/ Fr~nk F~i1~nn:m FRANK FEDERMAN, ESQUIRE Attorney for Plaintiff - ALL THAT CSRTAlN lot or tr:Qct of land and premises, sUuate in the Township of Hampden, Cumberland County. Commonwealth ot Pennsylvania. more partlculany describq(j' as follows: BEGINNING at a point on the l"Iot1hem right-of-way line of Kittatinny Drive (64';wlde pnvate), at the dlvidlng line of L.ot #75 and Lot #77: said point also being faGatad 78.1.2:8 feet West.af the ncrthwest corner of KiUatlnny ,Drive and It.lssey Court; . , THENCE by the northern I'ight-of..way line of KJltatinny Drive North 82 degr~eS 02 ~i;:'utes 02 seconds Weal 20.00 fQet to a ~oint; THeNCe by line ot Lot #78 and passing thrt:llJgn the cen~er of a partllion wall North 07 degrees 57 minutes 58 sec::onds Eaat 100.00 feet to a pelnt THENCe by line" of'land now or formerly of J.F'. R.oth, South 82 degrees 02 minutes 02 sec:cnds east 20.00 feet to oil point; THENce by line of Lot #76 and passing through the clil:nter of a partition wall South 07 degrees 57 minutes 58 seconds' West 100.00 feet fa a point on the northertl right~ct-way line or Kiuatinny Ori....e. the place ~f eEGINNING. CONTAINING 2.000 sqtJ.are feet BEING Lei #77 00 Floal Subdivision Plan of Mountain View Village Phase IV F(ec;orded in Plan Book eo, Page 876. UNDER AN '0 SUB.JECT. to certain restrictions and conditions as appear of record in the. OHlce of the ~e=rdBr or Deeds in and for Cumberland Ceunty, Pennsylvania In MiscQllane"us 8eol< 392. Page 787. MlscellaneOu$ Book 393, Page 5$7. and Mi$Cellaneous 90Clk 414, Page 1102. IT BEING the same tract that Nathan K. Mc:Neughton and Amy E. McNaughton QY Deed dated July 3, 1997 and tetc;orded jn the Offlc.e of the Recorder of Deeds in and for Cumberland County, Penns.ylvania in Deed Scole 161, page 119, granled and con'lleyed unto Amy E. Geib (formerly Amy E. McNaughton). Grantor herein. c ToGETHEFt will) all and singular tt'1e l:Iuildlngs., improvements, ways, vvoods. waters, watercourses, rights, Uberties. privt'egti:s. hetedItaments and appul1enances to the saMe belongIng or In anyo.visa appertaining; and the reversion and re\o'erSilio",s, remainder and remainders. renls. issues and prl;lfil$ thereof, and of every part _"9 parc~t therEllof; A:NO also all ttte estate. right. title, interest. use. possessIon, property, claim and demand wh~tsoeYer Qf lhe Grantor,s) both in law and in equity. of, in and to the premi$8f!i herein dQseribed and every part and pareel therecf wllh the appurtsmances_ "To HAVe ANO TO HOLD all and singUlar the premises herein described together with the hereditamenls and appurtenances unto the Granleets) and 10 Grantae's(s') proper usa and betleOt forever. AN" the Girantor{s) CQvenant that. except as may be here!n set forth, tMey do and will FOREVER SPECI"A.LLYWARRA,NT ANO DeFEND the lands and premises. heredUil.ment!l and appurtenances hereby conveyed, ~galnst the Grantor(s) and alt other persons lawfully claiming the same or tQ claim the same. 11'1 aU references herein to a.ny parties, l3ersons. entilles or corporatlons, the LIse Qr ilIny particular gender or the plural at singular number is Intended to indude the e;ppropriaie gender or number a~ the text of the Within Instrument may require. Wherever in this instrument any party .anaU be designated or referred to by name or general reference, slJch deSignation is Intended to and shall have lhe same effect as if the words "heirs. exeCl.ltors, administrators. 'Personal or lega! represantaUves, $uc:c:essors and assigns" had been Inserted after ea~h and every !;Ouch designa.tion. THis IS A CONVEYANCe between partIes wttc ware f:lrevlotJsly Husband and Wife made pt.lrsl.lsnt to a F='roperly Settlement A9reEtm~nt subsequent tc a divorce and is. therefore. filxernpt from Pennsylvania realty transfer tax. IN WITNESS WHEREOF. the Grantor(s) have hereunlo JOet their hanc;l$ and seals, or if a con~QratiQn, It haa caused these pr.e:o:ents to be signed by' its proper corporate offiCl,rs and Its corporate seal to be ilIffbr:ed herale., the day and year first abo....e wrlUen. PREMISES: 4190 KITTATINNY DRIVE , ~"".......'-"";~ VERIFICATION CHRISTOPHER STUMP hereby states that he is ASSISTANT SECRETARY of CHASE MANHA TT AN MORTGAGE CORPORATION mortgage servicing agent for Plaintiff in this matter, that he is authorized to take this Verification, and that the statements made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of his knowledge, information and betief. The undersigned understands that this statement is made subject to the penalties of 18 Pac C.S. Sec. 4904 relating to unsworn falsification to authorities. H- ---------- DATE: f)-IX'OO ~ - , . . ., . , , FEDERMAN AND PHElAN Suite 900 Two Penn Center Plaza Philadelphia, PA 19102 (215) 563-7000 < ., ~ 0 fA -{Q. ~ ~ ~ ~ ~.? C) ~ (,:;''/ . . ~~~ 'U1"r -..0 Ii' () () < -" G lr) "TJf't' ;-1"1 ::s ...0 92~~) ':CJ ~ , C D ~~.: ,,",) "--, ~ ,~ ~r \ ~-... ,," " () ~ f r ~c~. :'7-" ",-, ~ ~~: .-~\~ '-=.:::C) - ~~) (ll -- .. ~ i 't z; :..> -r-.,. -- =2 (~ _.'J -< -...t.. " -L. --'.~ ..~ , -~'"-"li~J STATE OF PENNSYLVANIA, COUNTY OF CUMBERLAND } 55. Robert P Ziegler ' I, ______________________________________________________________________________Ilecorderof Deeds in and for said County and State do hereby certify that the Sheriff's Deed in which ________________ Chase Manhattan Mtg Corp fka Chemical REs Mtg Corp . ---_________________________________________________________________________________ ~thegrantee the same having been sold to said grantee on the _______7.!:}~___nn______n___n________________ day of March 2001 ___n_______n________n______________n A. D., r _____, under and by virtne of a writ______________ Execution . 13th ______________________n____n________________n ISSued on the _n____n__________n___n___________ day of _________I?"'J?!____________ A. D., 2Q_c!'Q_, out of the Court of Cornman Pleas of said County as of Civil --___________________ -______ - -... _______ - -_ __ _ ____ __ __ _____ _______ ______ _ ___ __ __ __ _ Term, . 2000 '1034 " Chase Man Mtg Corp fka Chemical Res Mtg Corp Number ______________, at the SUIt of __u_______n_____n_____n__________________n________________ . Nathan K McNaughton ___________________________________aga~t____________________________________________________ ~ duly recorded in Sheriffs Deed Book No. _____~~_!___, Page _______!~_~_. IN TESTIMONY WHEIlEOF, I have hereunto , * set my hand and seal of said office this 9?_C!.n_____ day of ___~---------------- ' -~--~ - --- ----- Iletonler 01 , Cumberland Caunly, Cartlsbl, PA My Cammission Expil1$lhe Fim Monday III jail. 2002 ::t'~~u '-~. '''''"',~~ " e_ _ I ~ ,~- "'"': '0', Chase Manhattan Mortgage Corp., f/k/a Chemical Residential Mortgage Corp. -vs- Nathan K. McNaughton In the Court of Common Pleas of Cumberland County, Pennsylvania No. 2000-1034 Civil Kathy 1. Clarke, Deputy Sheriff, who being duly sworn according to law, says on October 5, 2000 at 7:38 o'clock P.M. EDST, she served a true copy of Real Estate Writ Notice Poster and Description in the above entitled action upon the wihtin named defendants to wit: Nathan K. McNaughton, by making known unto Nathan McNaughton at 4190 Kittatinny Drive, Mechanicsburg, Cumberland County, Pennsylvania, its contents and at the same time handing to him personally the said true and attested copies of the same. Kathy Clarke, Deputy Sheriff, who being du1y swom according to law, says on October 5, 2000 at 7:38 o'clock P.M. EDST, she posted a copy of Real Estate Writ Notice Poster and Description on the property of Nathan K. McNaughton located at 4190 Kittatinny Drive, Mechanicsburg, 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: Nathan K. McNaughton by regular mail to his last known address 4190 Kittatinny Drive, Mechanicsburg, P A. This letter was mailed under the sate of October 6, 2000 and never returned to the Sheriffs Office. R. Thomas Kline, Sheriff, who being du1y swam according to law, says that after due and legal notice had been given according to law, exposed the within described premises at public venue or outcry at the Court House, Carlisle, Cumberland County, Pennsylvania, on March 7, 2001 at 10:00 A.M., E.S.T. and sold the same for the sum of $1.00 to Attorney Robert Leiberman for Chase Manhattan Mortgage Corporation, f/k/a Chemical Residential Mortgage Corporation. It being highest bid and best price received for the same Chase Manhattan Mortgage Corporation, f/kIa Chemical Residential Mortgage Corporation, of3415 Vision Drive, Columbus, OH 43219, being the buyer in this execution paid SheriffR. Thomas Kline, the sum of$928.05 it being costs, Sheriffs Costs Docketing Poundage Posting Bills Advertising Acknowledging Deed Auctioneer Law Library County Mileage Certified Mail Levy Surcharge Postpone Sale 30.00 18.20 15.00 15.00 30.00 10.00 .50 1.00 8.06 .69 15.00 20.00 20.00 - Law Journal Patriot News Share of Bills Distribution of Proceeds Sheriff's Deed , , - ~ . . . 381.65 288.30 23.15 25.00 26.50 928.05 ?~~~ R. Thomas Kline, Sheriff Sworn and subscribed to before me This i. ~ day of C#>o-jl , 200IA.D,~" O,~.~ P t onotary BrQ~~\ De ty Shenff .~ =~ii!ilii> ~~ )0,110 I.~ C'k. 3/f/1- i.~ lo9.fJ.L ._~' ~__1II" ,~~ ",.~ '" "._ .~~ """'. ~~.... _.k' "~IIiII__.ooh'I'I;;" ,. , ... CHASE MANHATTAN MORTGAGE CORPORATION, FfK/A CHEMICAL RESIDENTIAL MORTGAGE CORPORATION CUMBERLAND COUNTY COURT OF COMMON PLEAS Plaintiff, v. CIVIL DIVISION NATHAN K. MCNAUGHTON NO. 2000-1034 CIVIL TERM Defendant(s). AFFIDAVIT PURSUANT TO RULE 3129 (Affidavit No. I) CHASE MANHATTAN MORTGAGE CORPORATION. FIK/A CHEMICAL RESIDENTIAl, MORTGAGE CORPORATION. Plaintiff in the above action, by its attorney, FRANK FEDERMAN, ESQUIRE, sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at 4190 KITTATINNY DRIVE. MECHANICSBURG. FA 11055. I. Name and address ofOwner(s) or reputed Owner(s): NAME LAST KNOWN ADDRESS (If address cannot be reasonably ascertained. please so indicate.) NATHANK. MCNAUGHTON 4190 KITTATINNY DRIVE MECHANICSBURG, PA 17055 2. Name and address ofDefendant(s) in the judgment: NAME LAST KNOWN ADDRESS (If address cannot be reasonably ascertained, please so indicate.) Same as above 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: NAME LAST KNOWN ADDRESS (If address cannot be reasonably ascertained, please so indicate.) None "' -""".~~ ............ ~ . -~ I......, ~ -""'L'",-, j , . 4. ~ Name and address of the last recorded holder of every mortgage of record: NAME LAST KNOWN ADDRESS (If address cannot be reasonably ascertained, please so indicate.) Commercial Credit Corporation 6520 Carisle Pike, Suite 155 Mechanicsburg, P A 17055 I I 5. Name and address of every other person who has any record lien on the property: NAME LAST KNOWN ADDRESS (If address cannot be reasonably ascertained, please so indicate.) None 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: NAME LAST KNOWN ADDRESS (If address cannot be reasonably ascertained, please so indicate.) None 7. Name and address of every other person whom the plaintiff has knowledge who has any inten:st in the property, which may be affected by the sale: NAME LAST KNOWN ADDRESS (If address cannot be reasonably ascertained, please so indicate.) T enant/Occupant 4190 KITTATINNY DRIVE MECHANICSBURG, PA 17055 Domestic Relations of Cumberland County 13 North Hanover Street Carlisle, P A 17013 Amy E. Geib, fIkIa Amy E. McNaughton 4190 Kittatinny Drive Mechanicsburg, P A 17055 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. Sec. 4904 relating to unsworn falsification to authorities. September I L 2000 DATE :ZnJ<~~ F NK FEDE , ESQUIRE Attorney for Plaintiff , ~ - ." 1_"" !IlI~,"- ~ .. C'HASE MANHATTAN MORTGAGE CORPORATION, F/K/A CHEMICAL RESIDENTIAL MORTGAGE CORPORATION CUMBERLAND COUNTY No. 2000-1034 CIVIL TERM Plaintiff, v. NATHAN K. MCNAUGHTON Defendant(s). September 11, 2000 TO: NATHAN K. MCNAUGHTON 4190 KITT A TINNY DRIVE MECHANICS BURG, PA 17055 "THIS FIRM tS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU HA VE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY AND THIS DEBT WAS NOT REAFFIRMED, THIS IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY. ,. Your house (real estate) at 4190 KITTATINNY DRIVE. MECHANICSBURG, FA 1705~, is scheduled to be sold at the Sheriffs Sale on DECEMBER 6, 2000 at 10:00 a.m. in the Cumberland County Courthouse, South Hanover Street, Carlisle, P A 17013, to enforce the court judgment of $$97,917.050btained by CHASE MANHATTAN MORTGAGE CORPORATION, FIKIA CHEMICAL RESIDENTIAL MORTGAGE CORPORATION (the mortgagee) against you. If the Sheriff s sale is postponed, the property will be relisted for the March 7, 200 I Sheriff's Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale, you must take immediate action: I. The sale will be cancelled if you pay to the mortgagee the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call: (215) 563-7000. 2. You may be able to stop the sale by filing a petition asking the Court to strike or op,:n 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. - -~ ...... -" J . .. . '~, "'li1>t,' You may need an attomey to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attomey.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. I. 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 (215) 563-7000. 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 Sheriffthe full amount due in the sale. To find out if this has happened, you may call (717) 240-6390. 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 the 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 house. A schedule Df distribution of the money bid for your house will be filed by the Sheriff within 30 days of the 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 distribution is wrong) are filed with the Sheriff within ten (10) days after the distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT R,\ VE ALA WYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY ATTORNEY REFERRAL CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CUMBERLAND COUNTY COURTHOUSE CARLISLE, P A 17013 (717) 249-3166 (800) 990-9108 p'~~ . o.~ _J - ~ ~ . .,,',.,1- ',libb . DESCRIPTION ALL THA T CERTAIN lot or tract of land and premises, Situate in the Township of Hampden, Cumberland Coumy, Commonwealth of Pennsylvania, more particularly described as follows; BEGINNli'<G at a poim on the Northern right-of-way line of Kittatinny Drive (64' wide private), at the dividing line of Lot #76 and Lot #77; said point also being located 781.28 feet West of the Northwest corner of Kittatinny Drive and Tussey Court. THENCE by the Northern right-of-way line of Kittatinny Drive North 82 degrees 02 minutes 02 seconds West 20,00 feet to a point; thence by line of Lot #78 and passing through the center of a partition wall North 07 degrees 57 minutes 58 seconds East 100.00 feet to a poim; thence by line of land now or formerly of J.P. Roth, South 82 degrees 02 minutes 02 seconds East 20.00 feet to a ' point; thence by line of Lot #76 and passing through the center of a partiIion wall South 07 degrees 57 minutes 58 seconds West 100.00 feet to a point on the Northern right-of-way line of Kittatinny Drive, the place of beginning. CONTAINING 2,000 square feet. BEING Lot #77 on Final Subdivision Plan of Mountain View Village Phase IV recorded in Plan Book 60, page 87B. UNDER AND SUBJECT to certain restrictions and conditions as appear of record in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania in ~[iscellaneous Book 392 page 787, Miscellaneous Book 393 page 557 and Miscellane~us Book 414, page 1102. Tax Parcel # 10-15-1285-127 TITLE TO SAID PREMISES IS VESTED IN Nathan K. McNaughton by Deed from Amy E. Geib (formerly Amy E. J\,kNaughtOn) dated 6/4/98, recorded 5/6/99, in Deed Book 198, Page 1120, AND THE SAID Nathan K. McNaughton and Amy E. McNaughtOn were divorced by Final Decree entered in #1997-01593 on 7/24/97, AND THE SAID Amy E. McNaughton did file a Notice of Intention to resume prior name on 8/5/97 and is now known as Amy E. Geib. " 1- "~ '">Jj' " !.1 ',; , WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO. 00-1034 CIVIL 19 CIVIL ACTION -LAW I!i I" :Ij " , ':1 i'l TO THE SHERIFF OF CUMBERLAND COUNTY: CHASE MANHATTAN MORTGAGE CORP., f/k/a from NATHAN K. MCNAUGHTON, 4190 KITTATINNY DR., MECHANICSBURG PA PLAINTIFF(S) 17055. ':j ~ i il ::1 i!j " ;11 !i1 ~I 1'1 I I I 'I , ;!-I ':1 1 ~ To satisfy the debt, interest and costs due CHEMICAL RESIDENTIAL MORTGAGE CORP. DEFENDANT(S) (1) You are directed to levy upon the property of the defendant(s) and to sell REAL ESTATE LOCATED AT 4190 KITTATINNY DR., MECHANICSBURG PA 17055. (SEE ATTACHED LEGAL DESCRIPTION. ) /'f; 'f.:--!'" iil 1'1 I ,:I i'l '1:1 li1 ,,1 '-J , ~ i ,il 'i! :!i , " ii (2) You are also dir,e9t"l~JP a~~"t9E1,:pro,p'e.l;ly' of the defendant(s) not levied upon in the possession of __ ,. ' . ' '_~ 0 GARNISHEE(S) as follows: )1H '1.",-, and to notify the garnishee(s) that: (a) an attachment has been issued: (b) the garnishee(s) is/are enjoined from payi~1 any debt to or for the account of the defendant(S~,<?nd from delivering any property of the defendant(s) or otherwise dispclsing thereof; '. " (3) II property ofthe defendant(s) not levied upon an subject to attachment is found inthe possession of anyonec)ther than a named garnishee, you aredireetedto notify him/herthat he/she has been added as a garnishee and is enjoined as above stated. Amount Due $94,538.12 2/1/00 - 7/26/00 $19.0~/d1em tnterest 7 f?Ft/m - 17/fi/m $lfi.10kliA1l $2.141.30 Afly's Comm % L.L. $3,37B.<jJ Due Prothy Other Costs $.50 $1. 00 Atty Paid Plaintifl Paid $117.68 Date: by: Civil ~ivision aEPTEMBER 13. 2000 O'aputy REQUESTING PARTY: Name FRANK FEDERMAN ESQUIRE Address: TWO PENN CENTER PLAZA' STE 900 PHILADELPHIA PA 19102 Attorney for: Telephone: Supreme Court ID No. PLAINTIFF (215) 563 7000 12248 ~ilIIiI ~ , """"'rtoiIo~~.~ ili.w ~ .;, 'I ...1-......01.-' L rt-,,~L~~"-". - t;v,"'"" - ~,- --- ,- , ".."" . REAL ESTATE SP~LE NG.~(r \.Ill ~ J 1. ~ the sneriff levied upon the defendants interest in the real property situated in h_-y'_i- -;&,...^~d;~ Cumberland County, Pa., known and numberedas:Yl9tl ;;~i'7~ 4il1;~~'''-~1 and more My described on Exhibit "A" filed with ~ this writ and by this reference incorporated herein. ~ 'atJj...Jl'~ ;r,~ B~ "'I "\1 " -'1 I C: C ill 'J d \' .,,1\ ,i'," -, I\~ . _ -rh fj:t I'-_;""C II ,'!j, i' L, I III d3S ~_pi"-::' :11':1110 :l"\'~~H' . ,:,1, ;]:I~.Hj I ,-, - ~" ~. I ..... .""'= .--- _,r 1IIAt ~s.u NO. 29 ,..---'.... Wrtt No. 2000- 1 034 CiV11 Chase Manhattan Mortgage Corporation, flkl a Chemical Residential. Mortgage Corporation vs, Nathan K. McNaughton Atty.: Frank Fedennan DESCRIPTION ALL THAT CERTAIN lot or tract of land and premises, Situate 1n the Township of Hampden. Cumberland County, Commonwealth of Pennsyl- vania. more particularly described as follows: BEGINNING at a point on the Northern right-of-way line ofKittatln- ny DIive (64' wide pIivate), at the dividlng line of Lot #76 and Lot #77: said p01nt also being located 781.28 feet West of the Northwest .comer of Kittatinny Drive and Tussey Court. TIlENCE by the Northern right- of-way line of Kittatinny Drtve North 82 degrees 02 minutes 02 seconds We'st 20.00 feet to a pomt; thence' by line of Lot #78 and passing through the center of a partition wall North 07 degrees 57 minutes 58 seconds East 100.00 feet to a po1nt: thence by line of land now or for- merly of J.P. Roth, South 82 de- grees 02 minutes 02 seconds East 20.00 feet to a polnt: thence by line of Lot #76 and pasSIng through the center of a partition wall South 07 degrees 57 minutes 58 seconds West 100.00 feet to a po1nt on the Northern right-of-way line of Kittatinny DIive, the place of begin- ning. CONTAINING 2.000 square feet. BEING Lot #77 on FInal Subdi- Vision Plan of Mountain View Vil- lage Phase IV recorded 1n Plan Book 60, page 818. UNDER AND SUBJECT to cer- tain restrictions and conditions as appear of record 1n the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania In Miscellaneous Book 392 page 787, Miscellaneous Book 393 page 557 and Miscellaneous Book 414, page 1102. Tax Parcel #10-15-1285-127. TITLE TO SAID PREMISES IS VESTED IN Nathan K. McNaughton by Deed from Amy E. Gelb (formerly AmyE. McNaUghton) dated 6/4/98, recorded 5/6/99, in Deed Book 198, Page 1120. AND THE SAID Nathan K. McNaughton and Amy E. McNaughton were divorced by Fi- nal Decree entered 1n #1997-01593 on 7/24/97. AND THE SAID Amy E. McNaughton did flle a Notice of In- tention to resume prior name on 8/ 5/97 and Is now known as Amy E. Gelb. .- 'uP, ~ ,-- I~~J")"', 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, Esqnire, Editor ofthe 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, VIZ: OCTOBER 27, NOVEMBER 3,10,2000 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. SWORN TO AND SUBSCRIBED before me this 10 day of NOVEMBER. 2000 NOTARIAL EAL LOIS E. StlYOER. NcltaryPub!ic '., Carlill~ 110.0. Cumberland Caunty. PA , My CammiOlion Expir.. March, S. 2001 , ~~,~WL~)\LYUo:-r.J- ~ ' , _ WrltNil.2000-l034 ~-- '-~errii ~ Chase "'anfiil!iinMOilgageCorp. -'f/f(/A Chemical R..ldentla' Mortgase Corp, ~.~""'ilat~a~~~hTI~'" ',~'_ Alli""iiiiRFeae"""n "c'- ~_DESl;R1PT10N _"i'ALCtfIA~lot-:tr tract of land and =,;;-p-rtftiisCSj Situate In'" the Township of . Rampden, Cumberl~nd County, '~":~~onJ;'ealth of Pennsylvania, more o_~1ffi'l.ticulaTly-~asfonows '~EGINN!NG at a point. on the ~orthem ri~tw .~., . -ar hne or- Klitatmny Drive (64' W1d~ ':0 , fet'anlie dMding line of Lot 1t7&-.md Lot ';:..._ ; sa.ldp?m~ also being located 781.28 feet -7~ ox. fhe .No~tlw"es.t_ comer of Kittatinny _~~_DriveandThs~}'Court. ' ". ,-".--- d_ . , :~CE bv- the Northern right-of-way line of ~__, ~ttalJnnfl,";leN<:ifth 82 d~es 02 minutes ~~1\\:is.. ~es.t W.OC. feet. to a point; thence ~~l~n~ _of~~-~assiilg through the ,~<<QI ~~a~ltion wall North fJl degrees. 57 ~~--:stl se<:oruis"Ern It ''J:OO feet to a p<?m!:; ~ lhen:Ce-~ 1i~e'of land now ~r formerly of J.P. !loTh. -SOUth 81 0'12'''' 02 mmules 02 seconds Dst__lU.rKH~Tto -a "P.i:Jint; thence by line ol Lot r~ ~~n4, Pil!'>sing through the cen!er of a -~fhffiffiwal1 South rtI ae: refS fiJ rmnutes 58 ~ "\Vest 100.00 feet to a poinl on the __ No.rll1!:m right-of-WilY l~e ofKittatinny Drive, ,:__]IDf,p~c,', ol,b egil1nfng." : _CONTAlNlNG 2,000 squ.re f<<l. ,."JEIN:G LQt *77 on Final Subdivision Plan of "_-:l0OuntaU<W_~\rVi1~ Phase N recorded in ~- TI~rDlWlls~st&BfE6 t~' c~rtain restrictions and conditions as aflpear of re<:oro in the Office of the Reconfer of Deeds in and for CUfubedolnd Cou~\y: _ Pennsylvania. in Miscellaneous - bOOK 392 page 787, ~dlaneo~s _ _~ook 393 page SS1 and ~eUan~ous Book 414, page 1102- ~'fij Parcei WI0.lS.lZSS.1!7. -'tTfLE 1'0 SAID PREMISES 15 VESTED IN '_Nathan 1(. McNaughton by Deed from Amy E. G.mJlormerl1 Am~ E. ~kN('''"'ton) daled ~141 'l8, _oled SI6799, m De<d &'" 198, Pag.112!1. AND'TItFSAID NathanlCMcNaughion and _h.-McNauWtton were divorced by Final Ei'~ "- "lteredmlil997-01593 on 7124m. ',_, . i1lE'S,AllJ~E~'Na-"ghton did fife __ n en1ii5i1 to resume prior name on _~I~(_an&:iS_~JR~:.:i~_~F1Jg..G(!i~_____ - ,- ~ " - " .,,-- ." - ""~. t J , THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 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 Acounts Receivable Manager of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot-News and The Sundav 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 fheir regular daily and/or Sunday/ Metro editions which appeared on the 31 st day of October and the 7th and 14th day(s) of November 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 recordE,d in ~;:::',::~:::"'"' 01 Do~, '" M' ''''.'G,"".mO,""~I'M',"'',"'.M.m COpy Sworn to and subscribed before his 1st day 0 ece 2000 A.D. S ALE #29 i Notarlal Sea' Terry L Russell, Notary Public Harrisburg, Dauphin County My Commission Expires June 6, 2002 Member, Pennsylvania ASSOCiation Of Notaries CUMBERLAND COUNTY SHERIFFS OFFICE CUMBERLAND COUNTY COURTHOUSE CARLISLE, PAc 17013 My commission expires June 6, 2002 . Statement of Advertising Costs To THE PATRIOT,NEWS CO., Dr. For publishing the notice or pubiication attached hereto on the above stated dates $ Probating same Notary Fee(s) $ Total $ 286.80 1.1;0 288.30 Publisher's Receipt for Advertising Cost The Patriot News Co., publisher of The Patriot-News and The Sundav 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. By.................................................................... - -,ilt!l:,;. SHERIFF'S RETURN - REGULAR CASE NO: 2000-01034 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CHASE MANHATTAN MORT CORP VS MCNAUGHTON NATHAN K SHAWN HARRISON , Sheriff or Deputy Sheriff of Cumberland County, pensylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon MCNAUGHTON NATHAN K the DEFENDANT , at 0013:35 HOURS, on the 1st day of March 2000 at 4190 KITTATINNY DRIVE MECHANICSBURG, PA 17055 by handing to NATHAN MCNAUGHTON a true and attested copy of COMPLAINT - MORT FORE together with NOTICE and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 18.00 8.68 .00 10.00 .00 36.68 r~--t:~t R. Thomas Kline 03/03/2000 FEDERMAN & Sworn and Subscribed to before By: '" ,,'-'~ me this <<--7 day of ~ ~ A.D. q~, CI~~ rothonotary I ~-- , . --~J, ''''''7,'','; ~';:<. , .,.:'..,' ...,. --'k' .' '. , - ~. .' - ......... .. CHASE MANHATTAN MORTGAGE CORP, Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA v. : NO. 2000 - 1034 NATHAN K. MCNAUGHTON, Defendant : CIVIL DIVISION - LAW PRAECIPE TO ENTER APPEARANCE To: Prothonotary of Cumberland County Please enter the appearance of Robert B. Lieberman, Esquire for Chase Manhattan Mortgage Corporation for the limited purpose of oral argument only. ~~,~ Robert B. Lieberman, Esquire 500 North Third Street, 12th Floor Harrisburg, P A 17108-1004 (717) 236-1485 '-'~"''''', -'g,il :11 Iii ,01 '" ill II: Ii' ,;1 'I' III 'il III 1,1 ;1' iil Iii L ii Iii ;11 ~!I 'II ill I"',' , !i II ,I; III Iii ill III iil III II III' ','1,'1 :! 'iI ]1 :!i :11 :11 :11 'I' " 11 "I I, II I II I I II I I II I I I I I , I ii"" "io ~<" ",,' ",," .:,'6,";,,,.'"" ~. , ,'" '""";;"j,,,,:;,;" "'" "" ,.. I .. ~~ ,.. n " C ~~f~j 3i ~~; UJ~'".. ~~. -"'--- "-", 5~ ~~~: :=; -< c;. (:;) ,- r',,) C;"; ;it, ~ '-.-.~ L -,::_1 " ~::2J ---.::-=-C; ~-,-;;t:CII ~::":; ..1:'" ::D ~~ ,,-. ,",~. ~1OIllIlia .~ ."- ~"'--~-LItil ~0 \ .t ~;~) -.---- . FEDERMAN AND PHELAN By: JOSHUA B. SEARS, ESQUIRE Identification No. 83419 Two Penn Center Plaza, Suite 900 Philadelphia, PA 19102 (9.1 ~\ ,,1i~7000 Attorney for Plaintiff Chase Manhattan Mortgage Corporation, FIKIA Chemical Residential Mortgage Corporation 3415 Vision Drive Columbus, OH 43219 Court of Common Pleas Plaintiff : Civil Division Cumberland County vs. No. 2000-1034 Nathan K. McNaughton 4190 Kittatinny Drive Mechaniesburg, PA 17055 Defendant PT,ATNTIFFS RRTF.FTN STWPORT OF ITS MOTION FOR STTMMARYJTm~MF.NT 1. n1~FF.NnANT'S nF.FAT1T~TTN1)F.R THE MORT~A~F. 011 September 15, 1995 Defendant, Natilan K. McNaughton and, executed a Promissory Note in l,wor of Plaintill's predecessor in interest, Sovereign Bank, in tile principal sum of $90A40.00, said sum being payable in equal, consecutive, monthly instalhnents of principal and interest of approximately $663.62. On tile same date, Delendant made, executed and delivered a Mortgage on the property at 4190 Kittatinny Drive, Mechanicsburg, PA 17055 (hereinafter ti,e "Property"), as collateral for the Promissory Note. The Mortgage has been assigIlerlto PlaintilT, as is addressed in PlaintiJTs attached Motion. Defcnd:mt defaulted under the Mortgage and Note by failing to make payments due October I, 1999 and each month thereaIler. By the express terms of tile Mortgage, upon default in such payments for a period of one mOl1th, the entire debt is immediately collectible. 011 December 5, 1999, due to Defendant's default, Plaintill'mailed Delendant notice of its intention to foreclose on ti,e Mortgage by certified mail to Defendant at his last known address. Defend:mt, however, failed to CUre Ule default. True and correct copies of the notices are attached hereto, incorporated herein by ,,--," ~ ~ ~"- "'- ~. ~. l<WiiOW~i" 4 reference, and m'lfked as Exhibit E. Because Defenchmt Jailed to take the necessary affirmative steps to cure the delinquency, PlaintiJI was left wilh no allemative bulla foredose in order to recover its Uljjust financial losses. Accordingly, the present action was libl 011 February 24, 2000. To date, Defendant has not brought the account current. II. PI AIN'f'TFFIS RNTITT .RO TO STTMMARY]Tmr.MF.NT AS A MATrF,R OFI AW SUBullary judgnlcnt is a l11eans to "elinlinate the waste of time ::Uld resources of both litig::mts and the courts in rases where a trial would be a useless formality." I it", v Rolln"r. 389 Pa.Super. 451, 567 A.2d 691 (1989); Fir,t v 7"1n 7"1n T"lnl't", 45'1 Pa,Super. 548, 55!, 686A.2d 18,20 (1996), A Motion for Summary Judgment shall be granted if the documents of record show there is no genuine issue as to any material fact and tlmt tlle moving party is entitled to judgment as a matter oflaw. Pa.R.C.P. 1035.2(1); All"n v M"rriw"oth"r, 413 Pa.Super. 410, 411, 605 A.2d 424 (1992); R"o,,,1 v New Rtvrl Hoking Co In", 410 Pa.Super. 591, 593, 600 A.2d 610 (1991). The moving party bears tlle burden of demonstrating dearly that there is no genuine issue of triable fact. nri",(,()1J v f":lTpf'ntf'T'" ni",trirt r()llnril ()fWf'",tf'nl Pf'lln<:.ylv:lni:., 370 Pa.Super. 295, 536 A.2d 412 (1988); ollirnwrl, 525 Pac 205,579 A.2d 863 (1990); Allen, 413 Pa.Super. at411; Beasel, 410 Pa.Super. at 594; Hmv<'r v Wh;tlnork A"or , 371 Pa.Super. 443, 381 A.2d 524 (1988); ROlno" v Hygi"nir Son;tot;on Co., 705 A.2d 841, 848 (Pa.Super. 1997). In response, the nonmoving party may not rest upon tlle pleadings, but musl sellorth specific tacL, demonstrating a genuine issue for trial. PldY v r.,'rnPr, 451 Pac 146, 303 A.2d 826 (1973); nl1joi v O"nni,,431 Pa.Super. 366,370,636 A.2d 1130, 1132. Rule 1029(b) of tllC Pennsyl",mia Rules of Civil Procedure specifically provides: Averments in a pleading to which a responsi,'e pleading is required are admitted when not denied specifically or by necessary implication. A general denial or a demand for proof, except as provided by subdivision (c) and (e) of tllis rule, shall have tlle effect of an admission. It is well settled tllat a general denial is lmacceplable and deemed an admission where it is dear that tlle defendant ,,,,, adequate knowledge and tllat tlle means of information are witllin the control of tlle defendant. ~,-.._~~. ~. _~.w,~ ~ ~'~I!ilfL' . FJi" v Of"ew_ki, 368 Pac 578, 84 A.2d 188 (1951). rprrnne v rerrnnp, 254Pa. Super. 381,386 A.2d I (1978); rily nfPhihrl..lphi" v H..rth, 114 Pa.Cmwlth. 475, 482, 539 A.2d 468, 172 (1988). r.nndrirh. A m""lTl 2d S I 029(c)( I), p. 280. A general denial effectively manifests an admission to the facts averred in the complaint. """in- v Mihll-'f, 371 Pa. Super. a02, 308, 538 A.2d 28, 31 (1988); Mil,lmPI" v M()nl~nmf"ry Cnll1lly T"v Chim Hllre;lIl, 671 A.2d 285, 288 (Pa.Cmwlth. 1996), Onc purpose in dcmanding a specilic denial is to enable dIe parties to locus upon lhe disputed ("cIs and to assist dIe Court in defining dIe issues for trial. Hngl,'y H"rling IV R.."", v Sln"rl, I I D&C 3d 303, 310 (Chester Co. 1979). Plaintin'submits d>at, in d,e Answer, Defendant has effectively admitted every allegation of d,e Complaint. Although Defendant purports to deny paragraphs five and six of the Complaint, which aver dIe default and dIe amounts due on dIe Mortgage, respectively, Defendant's avemlents amount to nodling more than general denials and demand lor proof. Defendant generally denies the amount due nnder the Mortgage without reference to what he believes to be the correct amount due, or reference to any good reason to believe that the amount sought is erroneous. Unquestionably, Defendant kno~vs specifically what payments he made on dIe Mortgage. Accordingly, because Defendant is charged widl having snfficient knowledge upon which to base a specific denial widl respect to d,e avennents contained in paragraphs five and six of dIe Complaint, a general denial is insufficient to raise a genuine issue of fact. (;prrnllf" v rf"frOl1f", supra; City ()f Phibr1f"lphi~ v Hf"ftlf"fJ supra. The Pennsylvania Superior Court has held dlat, in order to raise a genuine issue of fact, defendants may not rest on dIe pleadings, but must sustain dIe burden of presenting facts to counter Plaintiffs avennents. New YClfk r:1l;ur1i~n M()fler~~ v nie'I'lC'I, 524 A,2d 951 (Pa. Super. 1987). W~..h;llgton FtYll"f::t1 S~n~n~ ~nd T fl~1l As_nri"linn v SI..in, 515 A.2d 980 (Pa. Super. 1986);. A party will not be able to rely on 1029(c) ,md be excused from answering averments based on a lack of infonnation where that party has sufficient information at its disposal to answer sllch allegations. COll1n;w hy Prt"::ttf" v R::tinhnw A....()ri::tt("~, 138 Pa. COl1uuw. 56, 587 A.2d 357, 358 (1991). The Pennsylvania Superior Court recendy reiterated this principle in anodler mortgage foreclosure ~~ ~...- - "I "J( ~ case. The Court held that the mortgagors' general denials in their answers to the Complaint must be considered admissions. Fir" Wi,mmin Tn'" r:n v Str""<<cr, 439 Pa.Super. 192,653 A.2d 688 (1995). The Court reasoned that the only persons with knowledge of the amount due, besides the mortgage company, would be the mortgagors. Therefore, if detcndant mortgagors do not plead specilic facts in response to the allegations in the Complaint regarding the detault and the amount due, the defendants are deemed to have adlnitted the allegations, and sUlll1nary judgITIcnt lor the mortgage company is proper. Fi....j Wi"rran.::in Tn 1.::1 Cra v Str~n""f'r, supra. In determining if an answer is a general denial, the Court must examine the pleadings as a whole. r:nmmw hy Prp"tP. "'pP. at 61, 587 A.2d 357, 360 (1991). A review of the pleadings as a whole in the instant case reveals that Defendant has failed to sustain his burden of presenting facts, which contradict the elements of Plaintiffs claim. Defendant's general denial of the amounts due and the default should be viewed as admissions by tllis Honorable Court. III. ATrORNRYFFRS AND r:OSTS ARF. RRASONART.R As to tlle attomey fees recited in paragraph six of tlle Complaint, it should be noted tllat paragraph seventeen of the Mortgage clearly indicates tllat Defendant is liable for a reasonable attomey commission, costs of suit, and costs of title evidence if Defendant defaults on the loan. The attomey fee claimed in Plaintiffs complaint is less tlmn five percent of tlle principal balance due on the loan. \Vhen Plaintiff was preparing its foreclosure Complaint, it could not know how much thc attomey fces and costs would be upon completion of tlle foredosure action. Plaintiff could not know whetller tllC Defendant would contest tlle case and, if so, how extensively. Accordingly, Plaintiff used Pennsylvania case law as a guide. Plaintifl. estimated an attomey fec of less tlml livc percent of IllC principal balance. Attomey lees arc enforced in order to compcnsate Illc Plaintiff for the reasonable and necessary expenses of collection, '111e Superior Court has held tlmt it is inequitable for a mortgagee to expend sums of money tor attonley fees in order to collect sums owed to him. F~.::tgfltp FntP1Tu;"p" Tn,. v H~nk ~nr1 Tnl"t C'nmp"ny nfOfrl York Rood, 236 Pa.Super. 503, 345 A.2d 279 (1975). i,'~'~"~~i<ol"'~' "~"". ~." J__ _ilIiiI;fj.,;",.". v As a general rule, attorney fees, which are reasonable will be pennitted by the Court. A requested fee of live percent of the outst;U1ding principal balance has been granted by the Court. Pennsylvania Courts have long and repeatedly concluded that such a 5% provision is reasonable and enforceable. R()hlno.:()t1 v T 110mio.:, 51 Pa. 78 (1865); Fi.-...l Fpr1f~r~l S~"ill~ ~1lr1 T f)~n Ao::.o::.ori~lli()1l v Strt~f't R()~r1 Shopping rpntf'r, 68 D&C 2d 751,755 (1974). It is importmIt to note that the attorney fees called for in the Mortgage are mmed by the mortgagee, not the attorney. They are not limited to the actual allorney fees but cover also the extra charges made necessary because the mortgagor failed to Ined his obligation. Fr'llllkf'v H::Itfif'lrl F~lr ~r()l1nr1o::. R~7;1;1rJ Tnr, 196 Pa.Super. 155, 173 A.2d 703 (1961); J-hrprr v r.f)",,,JirlO'FrI R"hhFr r", 284 Pac 444, 131 A. 356 (1925) , In Fprlpr:ll T "nn Honk "rB"";",,,,,, v Fp'npr. the Superior Court held that an attorney fee of 10% of the original loan amount was not unconscionable. 410 A,2d 344 (Pa.Super. 1979). Recently, the Superior Court cited Eetner in conflTIl1ing tlIat an attorney fee of ten percent included in the judgment in a mortgage foreclosure action was reasonable. r;,iro'1) v M"rri,villp J-b"'p,,,n Rp"lty, 662 A.2d 1120 (Pa.Super. 1995). Importantly, Plaintiff clearly outlined how Delendant could avoid paying PlaintiIrs allorney fees in tlIe Notice of Intention to Foreclose Mortgage, which was mailed to Defendant. Defendant, however, failed to take tlIe necessary affmnative steps to cure tlIe delinquency, but rather has opted to litigate, which has resulted in more attorney fees. Additionally, Plaintilf submits that tlIe amount demanded for costs of suit and title search in Plaintiffs Complaint is neither excessive nor unreasonable. Moreover, the reasonableness of allorney lees does not create a genuine issue of material fact, which precludes the entry of summary judgment. Fi.-...t N~ti()n:.ll H~nk ~Hld Tnl~t r() or Nf'\\tnT1" Fnrir(), 40 D&C 3d 228 (1985), Import;llltly, PlaintiJf recognizes this Honorable Court's equitable authority to set attorney fees and costs as it deems reasonable. Therefore, there is no issue of material fact regarding attorney fees. ~~=~ '~.-' , IV. PI.A INTIFF'S MORTr.Ar.E FORF.CI .oSTJRF. Ar:TTON OOF.<; NOT COME TJNnF.R ACT fi OF 1974. As ",'erred in paragraph eight of the Complaint, the noGce pro\'isions of Act 6 of 1974 do not apply to this case. SecGon 103(a) slates: Before any residenGaI mortgage lender may accelerate the maturity of any residential mortgage obligaGon, commence any legal acGon including mortgage foreclosure to reco\'er under such obligation ... such person shall gi\'e the residenGaI mortgage debtor notice of such intention at least thirty days in advance as prmided in d,is secGon. (emphasis added.) 41 P.S. S403(a). Section 403(a) applies only to residential mortgages. Section 10 I defines a residential mortgage as, "an obligation to pay a sum of money in an original bona fide principal amount of fifty dlousand dollars ($50,000) or less ...11, 111e Act 6 notice prmision (S403) does not apply to d,e within case bccause the original loan amount exceeded $50,000.00. See Anrler<nn (;nnt""rt;ng Cnmp,ny \' O,"gll<'rty. 417 A.2d 1227 (Pa.Super, 1979). Neverdleless, it should be noted that Plaintiff sent Defendant notice of its intention to foreelose on the Mortgagc, which outlined the necessary steps Defendant should take to a\'oid foreclosure. True and correct copies of tlle Notice ofIntention to Foreclose Mortgage letters are attached hcreto, incorporated herein by reference, and marked as Exhibit E. Because Defendant failed to t<'lke tlle necessary affirmative steps to bring the loan current, Plaintiff had no altemati\'e but to commence foreclosure proceedings. V. OF.FF.NOA NT' IS NOT F.T .Tr.TRI ,F. FOR FMF.Rr.F.NCY MORTr.Ar.F. ASSISTA NCF. TlNOF.R ACT 91 OF 19RR Dclcndant's Mortgagc was insurcd by dIe Federal Housing Administration (dIe "FHA'" The Mortgage plainly st<'ltes, at d,e top of dle lirst page, tllat it is an FHA MOrlg'dge. A copy of the Mortgage is att<'lched as Exhibit A. Because Defendant's Mortgage is insured by dle Federal Housing Administration (FHA) under Title II of the National Housing Act, Defendant is not eligible for emergency mortgage assistance. 35 P.S. SI680.401c(a)(3). 12 U.S.C.A. SI701-1715z-18. Accordingly, as Defendant is not eligible for assistance, no notice \vas sent. -_..'~ t.-. '~~,-". . . . VI. CONCT .TJSTON The purpose of the summary judgment procedure is to prevent vexation and delay, improve the rnachincry of jus Lice, prmllotc the expeditious disposiLion of G:L~es and avoid unneccssary Lrials when no gcnuine issuc of matcrial fact is raised. III making its detcnuinatioll, the Courtrllust accept as true all properly pleaded (acts. a~ 'well as all reasonable inferences, which might be drawn therefronl. 'Thnl1lp"(lIl v N~...nn, 379 Pa.Super. 115,535 A.2d 1177 (1988), "Ilirnwrt, 527 Pa.330, 591 A.2d 703 (1991). The Court must restrict its review to material filed in support of and in opposition to the Motion for Summary Judgment, and to uncontroverted allegations in the pleadings. Pa.R.C.P.I035. Ovprly v K"", 382 Pa.Super. 108,545 A.2d 970 (1989). Plain tilT submits that it has demonstrated sufficient facts to warrant summary judgment in its favor. Defendant executed the Mortgage knowing that he would be responsible for the payments. Defendant has admitted the existence of the mortgage in his Answer to the Complaint. PlaintilT has provided an affidavit that Defendant is in debult and set forth the amount owed by Defendant. Therefore, Plaintiff maintains that it has produced suflicient evidence to establish a prima facie case for mortgage foreclosure. Once Plaintiff has satisfied its burden, Defendant has a responsibility to demonstrate facts, which would create a genuine issue for trial. EhaII, supra. Defendant has failed to sustain his burden of presenting faels, which would contradict the clements of Plain tilTs claim. Plaintiff respectfully submits that the allegations of the Complaint are, in fact, uncontroverted. Defendant has had use of the Property rent-free at PlaintilTs expense long enough. Defendant's Answer has been interposed for the purpose of delay only. Plaintiif requesL' that its Motion be granted so that it can recover the uqjust financial losses it has incurred to date. ~ . - L-."U """L . . . , - . WHEREFORE, Plaintilr respectfully requests that an in = judgment be entered in its lavor for the amount due ,,;th interest and costs as prayed for in the Complaint, lor laredosure and sale of the mortgaged properly. .~'^"~ \1 ~ Jo ua B. Sears, Esquire Attorney for PlaintiJT ,~~ L"-'- .~ 'u Argument Court Chase Manhattan Mortgage Corp., FIKI A Chemical Residential Mortgage Corp., Plaintiff v. Nathan K. McNaughton Type of Case: Motion: ,", ~~'~'<:~ - , .~ ". ~ --,~~~~~IItI~!" ~1 ~(;y5f \V'1~ Co \~ '1(,~ , Wednesday, July 26, 2000 Before Oler, J. and Hoffer, P.J. l~5 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 00-1034 c:;. L ~t.?' ':>v '::.071 ~r t) fl 0 ~6 ,n v ro'>\/' X:'" f' .\i'~ \;)--V 1""" ~~ ","v ,. ,,? CIVIL ACTION Mortgage foreclosure Plaintiff s Motion for Summary Judgment Factual Summary: On September 15, 1995, Defendant executed a Promissory Note in the principal sum of$90,440.00 and executed a Mortgage on the property at 4190 Kittatinny Drive, Mechanicsburg, P A 17055 as collateral for the Promissory Note. Defendant defaulted under the Mortgage and Note by failing to make payments due October 1, 1999 and each month thereafter. On December 5, 1999 Plaintiff mailed Defendant notice of its intention to foreclose on the Mortgage. Defendant failed to cure the default and this suit was filed on February 24,2000. Issue: Plaintiff's Argument: (1) Whether Defendant's general denials in its Answer to Plaintiff's Complaint should be viewed as admissions by the court, therefore warranting the grant of the Motion for Summary Judgment? Whether the attorney fees and costs requested by Plaintiff are reasonable and should therefore be awarded? (2) (1) Defendant knows specifically what payments he made on the Mortgage; therefore, his general denial is insufficient to raise a genuine issue of fact. His general denials must be deemed admissions. (2) Plaintiff claims that the Mortgage clearly indicates that Defendant is liable for a reasonable attorney commission, costs of suit, and costs of title evidence if Defendant defaults on the loan. In addition, Defendant failed to take the necessary steps to cure his delinquency thereby choosing to litigate, resulting in increased attorney fees. Plaintiff cites caselaw to support his contention that the requested attorney fees and costs are reasonable. Finally, the reasonableness of attorney fees does not create a genuine issue of material fact. ~Iil"""" ~., ,~~ ~ << l ~~'l!tlUlJ~ Argument Court Wednesday, July 26, 2000 Before Oler, J. and Hoffer, P.J. Chase Manhattan v. McNaughton (conL) Defendant's Argument: (3) Plaintiff makes additional comments in is brief that the mortgage foreclosure does not come under Act 6 of 1974 as it relates to the notice provisions; and that Defendant is not eligible for emergency mortgage assistance under Act 91 of 1983. ~",:,",~ID-=T SUBMIT A::::J " . ',,': " ,,', ,,~/ -', " '.J. . ", .' R;,DERMAN AND PHELAN 'by: FRANK FEDERMAN Identification No. 12248 Two Penn Center Plaza - Suite 900 Philadelphia, P A 19102 (215) 563-7000 Attorney for Plaintiff CHASE MANHATTAN MORTGAGE CORPORATION, FIKIA CHEMICAL RESIDENTIAL MORTGAGE CORPORATION CUMBERLAND COUNTY COURT OF COMMON PLEAS Plaintiff, CIVIL DIVISION v. NO. 2000-1034 CIVIL TERM NATHAN K. MCNAUGHTON 4190 KITTATINNY DRIVE MECHANICSBURG, P A 17055 Defendant(s). PRAECIPE FOR ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly assess Plaintiffs damages against NATHAN K. MCNAUGHTON, by Order of Court dated July 26, 2000 as follows: As set forth in Court Order Interest - 2/1/00 - 7/26/00 TOTAL $94,538.12 $3,378.93 $97,917.05 ~~n~ F K FE , ESQUIRE .... Attorney for Plain iff DAMAGES ARE HEREBY ASSESSED AS INDICATED. (~ PROPROTHY 1- (3-00 flu t DATE: '-",~ '.........', ..--' __IIlIIlilIl!II--~' ..i. .. ~~!biIIW KJlI!I. ~ , "~..\- ~ - ", (') C s. ~tl~ zc,., U)<,;:' ~c ~~~~ , .- 2 o '-'''' -' ~ ';6 . ,. I I ", j .1 or ,I I, II n ~ \../ (,'. -.~:0:\ ,- ., ::-),"-\"o "-, ~; -< ----;;";:i ....,,, ", ;;-.....:1 (., _._, ,..~::~"c"~.;tl,,.,, axblmsj,lmcnaughtoD FEDERMAN AND PHELAN By:]OSHUA B. SEARS, ESQUIRE Identification No. 83419 Two Penn Center Plaza, Suite 900 Philadelphia, PA 19102 (9.1 'i) .!in.'l-7000 Attorney for Plaintiff Chase Manhattin Mortgage Corporation, F!KIA Chemical Residential Mortgage Corporation 3415 VISion Drive' ColUIIlbus,OH 43219 ' : Court of Common Pleas " Plaintiff : Civil Division : Cumberland County ,,'W. .1.-.', "'_,-:;;;,:.,;' Na~ K. McNaughton , 4190 Kitlatinn 'Drive' ". ,Y" . ,'" ","'.Mechainicsburg.PA 17055 ',"'i,""'",' ,,,",' '" """,' Defendant s, ' : No. 2000-1034 OROF.R -Y\-~~',. ::;::?~Y"." '/';-'-','C:;_~;:,;'f':'"::'::;;"-;"", "~'Z'tL :r ~'l( . , , , 2000, upon ('Onsideration:~f ", "AND NOW, this' day of .;;;.'~'" i> Plaintill's Motion for Summary Judgment and Brief in Support thereof, and Up~l{ ~Olisidcration of the Response, if any, flIed by Defendant, the Court determines that PlaintiJT is entitled to Sununary Judgment as a matter oflaw, and it is hereby: ORDERED and DECREED tlmt an in = judgment is entered in favor of PlaintilT and against , Defendant, Nathan K. M,-Naughton,for $94,538.12 plus iIiterest from February 1, 2000 at tlle rate, of $19.09 per diem and otller costs and charges collectible under the mortgage, for foreclosure and sale of the mortgaged property. BY THE COURT: d( :; J. '-"--'-"^'" 1 J ,I ., i! 11 i! 'I .! " :1\ \. ... --'''-'''-',-':,,!,; . ,. "'" EEDER]dAN and PHELAN 'By: FRANK FEDERMAN Identification No. 12248 ATTORNEY FOR PLAINTIFF Suite 900 Two Penn Center Plaza Philadelphia, PA 19102 (215) 563-7000 CHASE MANIlATTAN MORTGAGE CORPORATION, FfK/A CHEMICAL RESIDENTIAL MORTGAGE CUMBERLAND COUNTY CORPORATION COURT OF COMMON PLEAS Plaintiff, CIVIL DIVISION v. NO. 2000-1034 CIVIL TERM NATHAN K. MCNAUGlITON 4190 KITTATINNY DRIVE MECHANICSBURG, PA 17055 Defendant(s). VERIFICATION OF NON-MILITARY SERVICE FRANK FEDERMAN, ESQUIRE, hereby verifies that he is attorney for the Plaintilf in the above-captioned matter, and that on information and belief, he has knowledge of the following facts, to wit: (a) that the defendant(s) is/are 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. (b) that defendant NATHAN K. MCNAUGHTON is over 18 years of age and resides at 4190 KITTATINNY DRIVE, MECHANICSBURG, PA 11055. This statement is made subject to the penalties of 18 Pac C.S. Section 4904 relating to unsworn falsification to authorities. ~~A~JA~ F K F DE N, ESQUIRE --, Attorney for Plaintiff .'~~' . "d'~'~ '~..~~ '~~~""""--.i_l'r ' ~ -""'- Ill'"-.......'~ ~ ~ ~ C' F E ~- I -:Jo-., t' C'- ~ ~ ~ --.... o - 0j --- ,,~ ~< @~ c ~ A ~ ~ ~ ~ ""<l ~~.......... ~...... ~ \ Cf 6 ~ J' r ; ~ , *M! . c C,) (-~, C ,r"'. ~~'-1 ~~ ;::0- u-, _.::::! -0 l.'_:': r.-,! 0; ~.~ -,':] ,- /C.. rT'i 2: V C{J 0' -< - , (~) r:: c.- '-0 or: -"r"; ...:*- -T\ ...> C -~. S;~ (') ":;'''' ~, () c5 rn );:>- S; r;;~ -.; :..~ ~.) "1>- '';0 ~~ (A) -< I ~ ! ... /,...... FEDERMAN AND PHELAN By: JOSHUA B. SEARS, ESQUIRE Identification No. 83419 Two Penn Center Plaza, Suite 900 Philadelphia, PA 19102 /9.1!i) .'ili;l.7noo Attorney for Plaintiff Chase Manhattan Mortgage Corporation, F/KIA Chemical Residential Mortgage Corporation 3415 Vision Drive Columbus, OH 43219 : Court of Common Pleas Plaintiff : Civil Division : Cumberland County vs. : No. 2000-1034 Nathan K. McNaughton 4190 Kittatinny Drive Mechanicsburg, PA 17055 Defendant C'F.RTIFIC'ATION OF SRRVTC'F. I hereby certif'y a true and correct copy of the foregoing Plaintiff s Motion for Summary Judgment, Brief in support thereof and Praecipe for Argument was served by regular mail on counsel for Defendant on the date listed below: Timothy J. Colgan, Esquire Wiley, Lenox and Colgan, P.c. 1 South Baltimore Street Dillsburg,PA 17019 DATE: (P'\4 ,00 .~ Josh a B. Sears, Esquire Attorney for Plaintiff , "V,.,,,,,,-,-",,,,t."'-''-'_'''''''-~=;''~'''-;.,,,,==,~,",_j',"-,,,..c.,d,''cJl-"''---'''''',,~~ , -''''";"'''--'--~"'"'''''..:'''" ~"'~"""~--'~.",~ _,-""'""_;.,,,-,-,",,-,--,,_" .b,-,;~ .-""r'-,,_,",-,",-"y- "-"''''''''_C'~"'__ -",-"._--,,'""'-,"-"'--'&~"'"'"'' ;'.J;_-,,--,",'--".,,'L_-,--,.~ (') 0 9 C 0 Ii g ~ .J ""{J(C ~- 9? rT' ~- .;::- -..,-, , .-...... I ,;'.,-' Z);- .i.'iC) (/) ? U' ~~~:~ ~) .:< "'?,': !;20 ;po ~st~ ~O ::J: -0 - -::~nl :PC - ~ ~ N ....,. 0" ~ "liS" ,.~ .. ~~ !llili..U .1- - &I:~'I )i { , t~ P"R A IWTPF FOR T TS'T'Wn rASF FnR A RnTTMFN'T' (Must be typewritten and submitted in duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argument Court. CAPTION OF CASE (entire caption must be stated in full) Chase Manhattan Mortgage Corporation, F/K/ A Chemical Residential Mortgage Corporation 3415 Vision Drivc Columbus, OR 43219 Plaintiff vs. Nathan K. McNaughton 4190 KittatiImy Drive Mechanicsburg, PA 17055 Defendant No. lmL1 Civil T1ivi.;nn 2000 1. State matter to be argued (i.e., plaintiff's motion for new trial, defendant's demurrer to complaint, etc.): Plaintiffs Motion for Summary Judgment 2. Identify counsel who will argue case: (a) for plaintiff: Address: Joshua B. Sears, Esquire 2 Penn Center Plaza Suite 900 Philadelphia, PA 19102 (b) for defendant: Address: Timothy J. Colgan, Esquire 1 South Baltimore Street Dillsburg, PAl 7019 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: Date: June 14, 2000 ~~ ~ ~'C___:"'" "'"'..o--'L , ";,n".,,, "'''-'''--'--",--.!,""".,""~_L_,;,,,-,"~,. ,_ , ",--,--"".,-, .L'-'--'.=.-'--__.,.~~,_,"_,"V.- ,-,,~''"';.,:,''"< _"'---'^.",~"c'_,,',.',."'- ''''''''...e''-'~._ ."..""",. .. "\... (') 0 0 c: c:> -" :g: t..-. -U OJ c:: ~ r- 'r g} I .. rTl Z'l .')i..,../ ~.:.:: t.n '?~CJ L_ '<.CJ :P" ~)~~ ?Zo -" -- ~g - ~~':::.f'P - '::', ~ '" )> (1' ~ .- . 'F ,--, - CHASE MANHATTAN MORTGAGE CORPORATION, FIKIA CHEMICAL RESIDENT],AL MORTGAGE CORPORATION Plaintiff vs. NATHAN K. MCNAUGHTON , . .,'.-. , --..' '" ,~ .- --- , ~" .' , " ,"' r _._~~';.- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA No. 2000 1034 CIVIL TERM CIVIL ACTION -- LAW ACTION OF MORTGAGE Defendant FORECLOSURE NOTICE TO PLEAD To: CHASE MANHATTAN MORTGAGE CORPORATION, F/K/A CHEMICAL RESIDENTIAL MORTGAGE CORPORATION You are hereby notified to file a written response to the enclosed Answer within twenty (20) days from service hereof or a judgment may be entered against you. Dated: s/zllt70 I I Respectfully submitted, T~~~ Wiley, Lenox & Colgan, P.c. 1 South Baltimore Street Dillsburg, PA 17019 (717) 432-9666 LD. #77944 CHASE MANHATTAN MORTGAGE CORPORATION, FIKfA CHEMICAL RESIDENTIAL MORTGAGE CORPORATION IN THE COURT OF COMMON PLEAS OFCUMBERLANDCOUNT~ PENNSYLVANIA Plaintiff vs. No. 2000 1034 CML TERM CIVIL ACTION -- LAW NATHAN K. MCNAUGHTON ACTION OF MORTGAGE Defendant FORECLOSURE ANSWER AND NOW comes the Defendant, Nathan K. McNaughton by and through his attorney, Timothy J. Colgan, Esq., and file this Answer. 1. Admitted upon information and belief. 2. Admitted. 3. Admitted. 4. Admitted. 5. Denied. After reasonable investigation Plaintiff is without knowledge or information sufficient to form a belief as to the truth of this averment. 6. Denied. After reasonable investigation Plaintiff is without knowledge or information sufficient to form a belief as to the truth of this averment. 7. The averment is a conclusion oflaw to which no answer is required. If an answer is required, same is denied and strict proof thereof is demanded at trial. 8. Admitted. ,~ ,.-. ~., . e" ,",' . " ,~- - _.. ,.. -~~ 9. Denied. After reasonable investigation Plaintiff is without knowledge or information sufficient to form a belief as to the truth of this averment. WHEREFORE Defendants demand judgment against Plaintiff and request dismissal of Plaintiff's suit with court costs to be borne by the Plaintiff. Dated: ~/u /tJl) ( I Respectfully submitted, Tim~~ WILEY, LENOX & COLGAN, P.C. 1 South Baltimore Street Dillsburg, PA 17019 (717) 432-9666 I.D.#77944 _'_._ 0 ~," _ ,.'_.,"' _. _ _ " ,~,' ,-,--' ~," ,','-.' . "". VERIFICATION I, NATHAN K. MCNAUGHTON, verify that the statements made in this document are true and correct to the best of my knowledge, information, and belief. I understand that false statements herein are made subjectto the penalties of18 Pa. C.S. ~4904, relating to unsworn falsification to authorities. Date: 3-~1- 00 ~/fI~~ NATHAN K. MCNAUGHTON Defendant - " ~ -I ' ,'~"", ,., " '~'" -, , ',-' -.' ,~, >-,~-- " -" >. ,-,' '~ ~,,~"- ' : -; ','. CERTIFICATE OF SERVICE I, Timothy J. Colgan, Esquire hereby certify that I am this day serving a copy of the foregoing document upon the person(s) and in the manner indicated below, which service satisfies the requirements of the Pennsylvania Rules of Civil Procedure, by depositing a copy of same in the United States mail, first-class, postage prepaid, as follows: Frank Federman, Ebq. Attorney for Plaintiff Federman & Phelan Two Penn Center Plaza, Suite 900 Philadelphia, PA 19102 Date: 5/21 / tV ( I By: WILEY, LENOX & COLGAN, P.C. T~~ Supreme Court J.D. #77944 I South Baltimore Street Dillsburg, PA 17019 (717) 432-9666 S:\CLIENTSlCOLGAMMCNAUGHTiANSWER WPD o " "'0" 5"~. CI.l >~ ::t :::: 0 " ~ " ~ c:r e- ~ -..>E;_ -'" ~ -..> - e.-< ~ ~ g. ~ tv - 0 .., ~~~~ "'-C/.)~ 0"" or a- g - ~ ~ i ~ Ro g 5 ~ :-0 o --- - . . n c <'" -oeD rnrn Z';J:] z~. (f) ~." -</ l:2 C) :E:0 G:::(-) >c.: :z :< ",'--.,'-F'>'. ~-!'",,' "'~ "0,'0" "~"~oT"W"'''\'!!7''_'''',''~'':-'''f''B''''~'J'''':'''''''~'''''~O''-' 'r,<;''--C~"'''"''''''"",,"~-,",,~~~~_'_'''''';_'':'~'''''''_'' o o :Jt """ -;;0 N -J --0 :::JJ: y: N \0 o -n :::! f~1p -nrn ~;~ ~~ o:n --.,..C) (jen 04 ~ -~",e,,,~,,,_--,__, _. -'-""-'_~''''''"'-''_':=,' - '- _- - oI.lIlliiJI~~ "'"" ~. ~ " t-. '-Jft!!..a", , r , I axb/msj/mcnaughton FEDERMAN AND PHELAN By: JOSHUA B. SEARS, ESQUIRE Identification No. 83419 Two Penn Center Plaza, Suite 900 Philadelphia, PA 19102 (9.1.';) iifiJl..7000 Attorney for Plaintiff Chase Manhattan Mortgage Corporation, F/K/ A Chemical Residential Mortgage Corporation 3415 Vision Drive Columbus, OR 43219 : Court of Common Pleas Plaintiff : Civil Division : Cumberland County VS. : No. 2000-1034 Nathan K. McNaughton 4190 Kittatinny Drive Mechanicsburg, PA 17055 Defendant ORnER AND NOW, this ;u. tL day of "J '-' ( I , 2000, upon consideration of Plaintiffs Motion for Summary Judgment and Brief in Support thereof, and upon consideration of the Response, if any, ftled by Defendant, the Court determines that Plaintiff is entitled to Summary Judgment as a matter oflaw, and it is hereby: ORDERED and DECREED that an in = judgment is entered in favor of Plaintiff and against Defendant, Nathan K. McNaughton, for $94,538.12 plus interest from February 1, 2000 at the rate of $19.09 , . \. I ' ~ per diem and other costs and ch(lfges collectible, u~lder the mortgage, for foreclosure and sale of the mortgaged property. BY THE COURT: d( :; ~ -Ql }..\].C~1'~ -f1()l).fP -1 '~ ,0 0 ~s i , , ~ _T" T""' , nn I\H ~~'.I' Pl'i 3~ r5 ,",,',. ,.."". ,-" j'" L"" ,,,'-,' 'I"T'{ \..I1_i'/Ii..."i.::';"', r-/-:L.J 1...J'..........) \11 PEN~;SYLV!~.N;A 4tt.oo /JcL "!!!:t QK...::l/ 9"fJ1S R~ 1000fO "', I,', '.; , J _I ~ '~.'~'7""""'-' ~-""~f" ,-~ / . ~_,-..,,_..~, ~~''''1'''''''_~ "_.~ ~&_" . -., l!!i",~ 1 , ( . FEDERMAN AND PHELAN By: JOSHUA B. SEARS, ESQUIRE Identification No. 83419 Two Penn Center Plaza, Suite 900 Philadelphia, PA 19102 (9.1.';) 'i1i~7000 Attorney for Plaintiff Chase Manhattan Mortgage Corporation, F!KIA Chemical Residential Mortgage Corporation 3415 Vision Drive Columbus, OR 43219 Court of Common Pleas Plaintiff Civil Division Cumberland County vs. : No. 2000-1034 Nathan K. McNaughton 4190 Kittatinny Drive Mecbanicsbnrg, PA 17055 Defendant THIS FIRM IS A DEBT COUECTORATI'EMPTING TO COLLECT A DEBT. ANY INFORMA110N OBTAINED WIlL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY AND THIS DEBTW AS NOT REAFFIRMED, THIS CORRESPONDENCE IS NOT ANDSHOUW NOT BE CONSTRUED TO BEAN ATTEMPT TO COUECT A DEBT. BUT ONLY EFFORCEMENT OF A LIEN AGAINST PROPERTY, MOTION FOR STTMM A RY JTmr.MF.NT Plaintiff respectfully requests that the Court enter an Order granting summary judgment in its favor in the above-captioned matter and in support thereof avers as follows: I. There are no material issues offact. 2. Plaintiff is seeking only an in rem judgment in this mortgage foreclosure action. 3. Defendant, Nathan K. McNaughton, has fIled an Answer to the Complaint in which he has effectively admitted all of the allegations of the Complaint, as is further addressed in Plaintiff's attached Brief. 4. In his Answer, Defendant improperly denies paragraphs fIve and six of the Complaint, which aver the default and the amounts due on the Mortgage. True and correct copies of Plaintiff's Mortgage Foreclosure Complaint and Defendant's Answer are attached hereto, incOlporated herein by reference, and marked as Exhibits C and D, respectively. ~~- .~~ ~. ,..- ~~ "~ J , '>itr~~j , 5. Defendant has failed to sustain his burden of presenting facts, which contradict the averments of Plailltifl's Complaint. 6. Defendant admitted in paragraph three of his Answer that he executed the Mortgage and that the Mortgage has been assigned to PlaintiIf. True and correct copies of the Mortgage and Note are attached hereto, made part hereof, and marked Exhibits A and AI, respectively. 7. "The Mortgage is due for the October I, 1999 payment, a period in excess of seven months. An Affidavit confirming the default and the amount of the debt is attached hereto, incorporated herein by reference, and marked as Exhibit B. 8. Defendant has admitted that the notice provisions of Act 6 of 1974 do not apply to this case. 9. Defendant is not eligible for the Homeowners' Emergency Mortgage Assistance Program, Act 91 of 1983, because the Mortgage is insured by the Federal Housing Authority. 35 P.S. SI680.401c(a)(3). Nevertheless, Plaintiff sent Defendant notice pursuant to Act 91 of 1983. True and correct copies of the Notice of Homeowner's Emergency Mortgage Assistance Program is attached hereto, made part hereof, and marked as Exhibit E. 10. Defendant has the right to reinstate the loan up until one hour before a scheduled Sheriffs Sale. WHEREFORE, Plailltiff respectfully requests that an in = judgment be entered in its favor for the amount due plus interest and costs as prayed for in the Complaint, for foreclosure and sale of the mortgaged property. Respectfully submitted, ~ Jos ua B. Sears, Esquire Attorney for Plaintiff - "Nt .l i ~ h 'A .~ ~: iil " ~i , ~~\\ \'5 Cl() \'-0:), o.(p ~'H)~~11 ~O-'l; ~ ,.:" ,. .:.:-; '':i .t'~.: d.'d ----rn 1900' f;i~:~:.:'~~ ;'. ;:I~,:l.:":!i r '~;:I'r~.ra".li Vt HEEvs ...,.... f,UI.I:ii COUIITY~i" '95 Sfl' 2U RfllO 30 .. :;;'':':11' , ..0 : dt.,~:...U',~ ~c.'"'t ;J.t.-~<-P/3k5I( f:l 5"". LOAN NO. 010.& 61:1 -(j;'3JibJ. JSpauAbovtl nsr. Unlt For R_dlng ballll / COMMONWEALTH OF PENNSYLVANIA I'.."'....NO. I FHA MORTGAGE . ... _ 50S.. I . , . AFTER RECORDIN MAIL TO: Soy.retgn Blnk 23 f King St eet Lln~llt.r. P 11603 ThIs Mortgage r ecurfly lnatrumenr) II given on 5 . pt. II b ",f' 1 5. I t 9 s . The MortgagOlIa III than k. Koll "!lhID.1l .nd All' -[. ";II.u,hton whose address Is 490 lUt.Unn)' Drfu.K,chanIClbllrg.PA 11055 rBoirowar1. Th1a S urfty Instnlmsnlla given 10 50"..,1'11 a.n -. _, "" whlchlsorganlzed 8ldstInaunderthelawlof th, Unlhd Stat.. of Allulu ,andwhoseaddreula 1130 Blrk'hl" 8lvd. W'DII,..ln,,'A 11110 ("Lendef).80rr0wer Lendetlheprlnclpalsumof Ilnat)' ThoUland FOIlr Hundrtd Fort)' Dollar. .nd n /100 001181'8- (U.S. $ 9 O. 4 0 . 00 ), This deblls 8\/Idencsd by Borrower's note daled the same date as Lhls Security Instrument 1, whIdI provides (or montNy paym8ll1l. with the full debt, "not paid eartlar. due and payable on D c t 0 I r I. , 0 Z S . ThI8 Secway Instrument S8cwealo Lender: II) the repayment of the debt. evidenced by the Not wllh lnteresr.1I1d aD renewals. extenslons,and modUlcatlona; tb: dte payment of aU other 8UI1\l1. with lnIor..., WId" ParalJlllph 610 prcIeCt lb. .1lClll1Iy 0I1h1s Socwfly InaInImonl; end (e) lb. porformai1co 01 Borrower's and agreemenlS under U1f8 Securfly II18IrWnent. and the Note." Far this purpose, Borrower does hereby:morIgJg8. and canvey10 L.enderthe IoIIowk1gdaacrlbed pRprty locatecIln ,,: r-,\-' ".i'.',:ti>~.~.:~.i:......(:.~.-_:...'.::. ~,~,,,,,~~-,-~ "_' -:::?-";i' -",-,{ ~';;;';-'~;i~j;': Cu.blrl.nd" '_v'.-: '-" -,,:,,'':'' ,: - , eoumv.PeMl)'lvanJa:"'o-".. ','>':;l-,;~?",:,~.t0':';"\"'Q'ji.-j:"-!;"'i:-,~f.~$-!~i1~,~~;' SEE ATTACKED SCHEDULE _:_'.'_, --"",,-,--',,-,R,.-~, -'iI'"-'''-''---''' :';'~;,~::::,~;D:i:~~~:i:~~X~;;;[~,~, """"'~_J""'.';";"""-'.' . .*,"",>;,Y,"" o ' :;; 4190 Kttt.tlnny'Orlv. {SIr..I) ("property Address'; K.oh.nlcabufl ICily) TOGETHER all the ImplOV8lll8nt8 now or hereafter 8NlCCed on the property, and all easements, rIghIs, eppurlen&nces. renIa. inlneral. 01 and gal righla and,proftls. water rIgh1s and stock and all lbclurea now 01 ,. hereafter a part at the . All replacemenla end Idd1IIon8 shall also be cOvered by this Security InstrumenL AU at the foregoing III rei 10 In Is Security Instrument ee the "Properly," S IhoIBomlwo, ~ IawI1itv ..Ized oIlhe....18 hereby convovod.nd has th. rtght 10 rwey the Property end IhaIlhe Property III unencumbered, except lor encwnbrancel of recant wm defend generallv the tide 10 the Property egalnst all dalma and demands, subject 10 any d. . ,ooK1282 rAC[ 879 FHA PENNSYLVANIA MOR GAGE FORM ISC/FMOTPAIIOO91/{UJlj- PAGEIOF4 ~- . ~I "'-' LOAN O.OlO-80S16U 1. Payment 01 Pdnclpal, tntereal and Late Chug.. Ba<<ower shall pay when due th prindpaI of, and Interest (ln, Ihe debt IlVldenced by the Note and,late charges due under the Note. 2. Monthly paymenll 01 Taxe..lnlurance and OIherCharget. BOItOWer ahaIJ Inc:l eln each monttlfy payment, togel.herwMl\ha prlnclpaI and lntar&8l U ~.bth ",.the tf9te aniI.lWtlale ~ea. an ofeny (e) taxes and speclal asaeaamentslevled Olto be lavIad 8Qairdd th8:ftropIrty, (b)!8uehoId payments or round rente on the Property, and (0) prem/Wnlror Inauranca re~1red by ParBwaDh 4. Each monihIY Installment for I&em8 (a), (bJ and (0) shalf equal onHwelflh of the annual 18 reuanably esllmated by Lender, D1us an amoWlI atifflclent 10 niaIntaIn an additional balance 01 not me than GnHbcth clUte .sllma'ed emounte. Tile lutIllMUeIllRIOUI1llor eacI\ Item _be _ by Lende, .. perlod or.dIIIg 0116 month before an Item WO&lId become delinquent. Lender ahaU hold the amounts CoIfected ItUSI to pay 1181118 (a), (b) .nd Ie) belore th.y bocom. dallnquanl. ~ ...nyllmo the loIaI 01 the pa~ hald byLendorforllama la), (bl and Ie), tog wIJh the 'utu"unonthly peymenla for such Items payable to Lender pJfor to the due dale8 01 $iich hema, exceeds mote Ihan one..slxth tha esllmated amount of paV!'le,. required to pay IMICh Ilem8 when due. and . paymanl8 on Note are cunvnt.1hen Lender shaD ellherrefurid the fXC8U overGnHb:lh ofthllt8tlmated ~ orcredlt Ihe &XC88Iover onlHlbclh otthe estlmllled peymenta 10 tubsequent ~ by Borrawer.lIlthe opUclnof ~r. lithe mUte paymsnts made by SO......, lor Item (.1. (bl. or (e) Iilkisumclani.. P8ythe __dull. _ _ l'8)'..larideiany amount rwceasar)' lO make ~ lite deflcJenoton Ql'bel0f8Ih8dat:lrd1ellem becomes due: - .. _' ' As used In thIS SeCUllty Instrument, "S8~ means the SeCretary of Hou~1I and U an D8Y8Iopment or his at hor deelgnee. 'n'llllYY'" "'which the Lend"'_pay.ftIOlllIB\l6..........._..1 S_._........ payment shall also Induae ellher. (l) an Installment Of the.iIllnu8I. . .. mortgagl/nSurance prem! m to be paid by Lend. .r" the Secrel8JY, or (IQ a monlhly charge Instead of. ~ InSurance premium If !his See /ty InsIrum8nt Ii: held by the Secretary. Each monthly lnst8I1menl of UJe fnOItglme tnlurance prem1Um IlhaD be In an nt sufficient to acr:umufale Ihe rull annual mortgage Insurance premium wllh LilndefOll8 mc;mlh ~ ta lhe dale-the full MuaI mmtgage Insurance premium Ia dueto the Secre,tary: OIl dds_Secwtty InsbUtnanl ~heId bYlhe S , each monthly charge shall be In an amOunt equal 10 0llEHw8lfth of ons-halt percent oI1he oiJtstindlng ~1paJ 8fIC8 due an !he NoIe. If Borrowertendars 10 Lender the fUll'paymenrof8ll8.Wll8. ...... redbythla. _. I ent,BortOW8I'sBCcounl shall be credited wUh die balsnce remaJnInQ' for8ll1nstilU~ for Itema~. (bl and (0) and mortgage Insurance premium /nslallment thai Lencf8l'has not b8c0meObUaalicflO_pllyto Ih'~, Ind_Le er shall promptly rerund any excess funda 10 BOJrOWer. Immedl8te1y prfgr 10 a _foreClosure sale-of the PI'OP8ItV or It& iii qulsWoil by Lerider, SO.........accountahallbecredilad"!l!h<!'y:ba/am:a._lII_lor (II). !b)ar.d (el' " Appdcallon 01 Paymentl. AU payments under ParaQl8Pfis t and 2 shsII b" applied LenCler 88 fol ows: fl.Bm. 10 Ihell)OrtgagB InalJl'llflCt premium to be paid by LerKI81 to the SecreI8fY or rO e monthly charge by Ih, Sacra1aIylnslB8d oIthemonlhly_ll8_1lIOmlwn; ~, to any 1axf8. apeclat assessments, leasehold PI_Is or ground renls, and Insurance premiums, as required; II:::UBQ, to Intetesl due under the Note; fQlHlIJ:I.loamonJzallonolth.prfnclpololthaNola, EIEIIl, ..late chergea duB ...... the Note. 4. Fire, Flood .nd Odaer ~.II11. urine.. BDROW. .. or ahalIlnaure. aD ImproventenlS on he Property.,. Vj whothar now In axlalenc. orsubasqual1llY8l8cIad. .ga/nal811V~~ _, andconlillgenclncl_....'..._ Lender requlreslnsurance.lhla lnauninCelfia11 be ~!l~,1n-'1ha8Jl1<<)WJte ancUor Ihl perl a-1h1d urid:el'requIres. Borrower shalf also Insurealllmprovements_'on theP"'peI1y, Whether now In ~C8 or sub entfy srected.. .gelnallo.. by 'ood." the...8I11 requIied by the S_ i'JIlnsUJallC8 _ be ca_ w h companlaa IIPpIOYed by Lender. The Inswance pcUcles and any nmewafs shaD be,heId by Lender and ahaJIlnclude osa payable,cI8U8e8ln favor of. and lnafonnaccaplabl8lo. Lenaer. ,_ _' _, __',c_ ':>" ,'" ' '" the..... 01..... _ _ gIvol.8llder __by mal. L.lldarmay mil )lIOoI 01..... not mad. """"DIlY by B_. Each_companyconcamad 1a1i8raby.~andd ed.._pavmant for such losS cf/leCtly to l,ender,lnstead 01 to Borrower-andtG:L8i1der;ll1!l:dIY. AlI-OI;~ ~ 01' '1nsw&nCe ~ may b. .pplled by Land", 81l1aoptJon, _ (a)" the.~lIon oItho lnifabIedn8aB imdorl Nota and thIa S8CtUIty Instrument, IIrst 10 anydelfrimient amOlJnl8 epplled.1n lite ordS.JIn:Pa:reariph3._and lI1en 10 p. paym_~ 01 prtncIpaI, 01 (h}"lh. reslOlBlIon or repafr oIth. _all "",pany. AnY....lc8lJoii oI1h8 proceada 10 ih _ ahalI. not extend or postpone the due dale 01 Ute monthly paym'nIB--Wtifch, are ref8IJ8d,1O In ~amgraph ,01 change the amount of such payments. Anrexcess Insurance~. ~ an lUT!!KBIl. re~ 10. 'P8..y y. &laU 0 g Indebledness under .he NoI. ar.d thl. Securlly lOaInImanI oltallbe oaId ..theOl\llly.lagally _ thereto. In lhe evant, of toredosure 0' thIS SecurfIy Instrument ot_otheltransleroftlda 10 aha Prope Ihat 8ldIngulshes Ihe lndebledneas. aU right, tItIeand trdetest oI_BOI1'OW8I'lnand-to_InsUrance,~ In force shiJI IOthe P.UfChaser. &. Occuplncy. Pre8l1'Va11on, MI~.nd'Pratii_otlh.~-.rty;B0naWer"8 'Appl~~ Lee.ehald.. Barrower.r.u occupy, eatabR8h;.and use the'Prtlpertyaa B~s prlJ1cJpal sldence_WfthIn -.Jxty days. .Itet Ihe 6XecuUon of this Secwfty_lnstrWnenl and shslI ContInu8to_OCCl,IP)':1he Prape:rty aa 8 :s~ residence far aI-leaat one yearafterlhedateof~."unl'...:1he'S~I;fs18nnlne8 reQulr;mentwll ClU18 undue hardship lor BCIIrOW8r, or unless ext8nUIttng CJIcuinaIancu .',WhIdi are bayond Be IS _contrcl Borrower shall notify Lender. Qlan'1 extenuating circumstances. Borrower shall not commit wasla or de oy, damage or subslantlaUy change the Property Of aUow Ihe Property 10 d_aterlarale" reasonable wear and ~pted. LellCl8rmay Inspecc Ihe ProperlY If the p~ II vacant<< abandoned ,Ollhe loan I8lndefalA. LeI:KIer hill ,tske reasonable acIIon to pro\eC\ and pl88GN&auehwcan\ or abaNloned PlOp8It'f. Bomwm ehaIS-a18Ob8lnd9faull somwm during d\a loan appllcallOn process, gave materially fall18,orlnaCcurate-lnIonnatlon orstal8menl81o Lend r (orfall;d 10 provide Lender wIIh any malelfallnfonnallon) In connection with the ~ 8vldenced by ~ ~OJ8,-lnclud g. but not limited to. rapresenlal_10flS concernlng Borrowefa occupancy allhe Property-Q a, DJtncIpaJ resld8llce.1I s Security lnstnlment 1& on a leasehold. ScmowerahaU compywfth the prOvlsIons of,ttut1iase,1' BCIn'O'N8J' a!XIultes fee I to IhEi Property, the leasehold and "8 tide 8h81I not be merged unIese Lender agnlBS to'tha merger In wrIUitg. ~ C=B .. to BOJrOwer end proteGtlon of Under'. RIg,.. In the PraPIlt1. SoIroWer pay all ~ or mun1cl chargea.llnes and 1m)KJSlllQr!s tIlEd are not lncIIjfed In ParagraPh 2. Banower sha pav.these CIbII~ns on Uma acIIy Iolho anlllywh\ch '.llVIiId the P8ym8ll1." 1_" pay_ advaraaly .ftacl. .........In the Property, upon Lender's request Borrower shall pi'cn1pUyMnlih lo'LeridIlr receJpts 8vldenclng BIle payments. " Botrowerf. to mak.lhese paymenll orll1. e p(Ilymen18 req~ by para". h 2,.orl8"S perlonn any_ather covenan18 and sgreemen18 contaIned In thl8 SecurllYlnatrum!ll1t. orlher8ls a legarprocaedlng t may aignll1c$nUr ellecc Lender's rights In the ProperlY (such as 8 proCeeding In' bankruptcy, lor ci:ind8nm8tlon or a enfarce Taws or regufsllons), Ihen Lender may do and pay whetever 18 fI8:08SSllIY 1o.prolBQt tha Wfue, of lhe flrc Met Lander'8 . rlght8 In the Property. lricIudlng 'payment of taxe.. hazard lnaur8nce and olher Ite~, menUen Paragraph 2- Any amounls disbursed by Larider under IhIs PamgraDh shaD become an additional debt of errower and be , secured by thIs Security lnslrUmenl These amounts shall bear Inleresl from the dale o( dIsburse enl, at the Note rate, .nct atlhe option 01 Lender. shaD be Jmmedlalely due and payable. 7. Condemnsllon. The proceeds of eny award or claim for dlll1lages, dlrecC or consequenU I, In QCInnectlon wIth eoy condemnatlon ot Q\h&f ta1dng of any part of the Ptope~. or tor conveyance tn Jllaca of amnallon, are hereby assigned and shall be paid 10 Lender to the 8Xlent at lhe full amount of the Indebtedneas thet re elns unpaid under lI1e Nolo end this S::curlty Instrument. Lender shaU epply StlC~ proceeds to the reduction otlhe Inde ledness under the Note and Ihls Securlly Instrument, first 10 any dennquent emounts appUad In the order provlded I parawapn 3, and Ihrn to prepaymenl of prlnclnaf. Any appllcallCN'l of ah8 procelKle to the princIpal ah8U nol extend r postpone Ihe due FltAPENNSYLVAmA MOR'rGAGIk FORM 2/11 r'iC/FMOTPA//o&ll/{2-911-L p~eaQF4 .. Bo.d28:~ PIG! &8 ) ,I' ~ ,). >' . .~-~' ~~~ ~,,:, ~ , . " " " i! II ,I !I l! , Ii H 11 ~l II ., " ii 'Ii "~I ';-,';-',,; 'f""'~ .i:, li i,\ ~I " ~ 111il1il11i111 .' . ., ~, : " LOAN NO, OIO-605l6'3 dale of the monlh payments, which are referred 10 In Paragraph 2. or change the amounl of such paymenls. Any excess proceeds er an amount required lQ P,yaU OUI8!aNtlng Indebtedness under the Nole and this Secwlty Instn.lmenl shad be Id 10 the entity legally entld" thereto: . : !' .. :,) 8. Fees. Lend may collect fees and charges aUlhorlzed by the Secretary. t. Ground, 10 AccIleratlon of DebL (a) Default. er may, except as Umlled by reguIallona'l8sued by the Secretary In Ille casa of paymenl dafaulls require Immed ta payment In full of aD 8UIT\8 secwed by1hla SecurIIy Instrument If; .' (I) B defaultl by _glD pay In lull any llIClllIhIy pllyrJ1llll required bylhl. SocurIIy InstMn.rn pilar Ia or Ute due date of the next n10idttIy payment. or (ll)Bo . defallll.byfallng,far.pelIodallhlllydayo,lDpodannanu_. obllgallanacarlllllnedlnlhla $i l/lIIJIlIlIonl.. . , . Ib) S.I. _0 CrldftApproval. Ldn/l,;ohoI, N.......... Wii>ollaabl.taw.... wIIII....- ,p._M' 0I1ha $earatary:'18q1l o'lrnril_poymantJrtfljlllhlllha__by'IhIiSOaiiliiYlnshiJlriJ;;.ii: '"..- (I) AU part of the P,.,ny, or a beneIIdallntel8Sc-liI a ItUst owning all or part of the Properly, Is sold or alii . _eel (aIho<lhanbydovlill ard-'l by Iho B.......... and (II) Th. _II nal-.pltd by Iho ....."...,argJ8liloo.. hit ar her pr!nclD81...Id..... arlh. or Rranlee,d:08IIO occupylhl Properly buI: his GI' her credl haS not heen approved In _ wll\IhaIaqulremonlaOl....Soaral8lY. (0) H. Waiver. I aInlwnsIancao occurlhol_ pllnnllLondorlo ~ lnunodlolo paylI1on1ln fuI~ buI Land" daaa nal 18qlllr . ouoh payrnanto, LlIndard... nalWa1v8 larfghlo_ ioopllcilo OIlbooqllonl ova.... (d)RoaIlIlOo 01. HUDs.,"""",.. .In.rnany~......,. .rw._loouodbylha. S.oaral8lYwDllImIlLond'~' dghte.lntha dpaymentd~ 1o""~paymenI:-lnfUl-andklrecloHVnol-pakL lNsSeourlly I.......ntd. nal iwIhol1zo oacoIanIlIon ar__' nal plllIl1lIled by""""'" 0I1h. S.arotaJy. (I )Madgl'" ,lln.ured. Borraw.~,ll\Bti~JhII ~'lnstrumenl and the nata s8CtlRlCtlhereby nOl lleellglbl.lIll' 1lnd00.....".....'/lOuoIliG~WIIhIn.. DAU bornlhodale ha,oal Land"nlliy;.I"'llIiIfqftqna~~Ii1II,BnytfiIiI~Ii"PBiaaIlIJlIi"Nqulro_"""I\llYI1!.ntlnlullaloll ' sums seCurect 'Ifds "curtly lnsIrwn-,nt; liinftli!il ataI$IIei!l-of~..~~arlzed agent of the se'crelarydaled ::ta:' 'O~~~~~i~;:r~:~=_ib1::/J:'J==~n~=a~the. cpUon may noI exercised by Lender when the unavaDilbDIty or lnaliranpe Is solely due to Lender's faDura to remlt .llIllIlgag. "P'~1I'"11lIoIhaSoaratary..,,,,.,,, .' ,,," ".", " 10. Relnltllem nt 'SorrOwBrhai- .~lOba,~'IfLenderhas iequfred lmmedJaIe,payment In full because al Sorrowef.1aI1l ~ pay anamountdua 1lI1lI......IhIoSOCIIllIy InstMnonl.ThIs light ""pll.. oven _ " .fDracloswo " .ilritli1s!llillad-r.:reInslldalhal__"""leiidorln.lump.....olI ..::"ntaraq~eel 'BprroiyIlf~unl~ '101ha8l!lantthayare OIB.........IlI1lI... >('~:asli~:lIie"~' ~., '''~'~ '"~~ti*:'~~" Dbllo'U.Dnslhol.. . '." 'iI18Irilniiilll(l' liChd . . """..'.' ...... InU...,. _, " .." '. Lenaerrsnot. 10 . " ,8ft8tUutCoinmencemaniaf 1'_,foredaawJ~'-_'" ,,"meI1l'f;iacwtentfO(eidosure' J;H''''.'_OO.'' , '. '. .. 1n...._arllllt!$oN_wIll ''''''d8" ""'.'."'afflctlhilt - ~~;!~IU..;.:l"'4.>'IiW;;i':",11~,~;";r''.~i: :;- '..;',' >h->',,,,"",>.,..'"~./--""_~' -,.. " . ,,' '..W-' -~~~~Ih'>"~,,'.':'iJ "dj'il,;-.:;..,.,'b,."'"l.i,~','._""_""",' ":_-",^-11.BOtrOWtt ea t _ " ver. 1;II11,lIUn"", IhlllRJUlpaymenJor ".-0'.'"-": " modlllc:allonal '.ollha.. ,,'" ,1hIo'$~~arantadbyl.aJ)d8rt.anyOll_In. Interest of Borrower 'nof'Oplnde'lO:i1iIeue:lhi__'-IWOf,lh8'oifQfri8I:Borrawer or-tDrrown 8UCCesSOlln Interest. Lender shall naI be, Iocomn'!',ncE! ~"s aglJnpl::Ga~ In lIrtBresI or refuse to extend lime for =:'orIg. ~~~:."..::'.:=~==;"'~.~~= or remelly ohaU nal ._ al ar proclud.............. "'""i' ~ghtarNmedy. 12.SUCC"1 8. nd.Aa. 'Ia.", n.'BOUndi Jolnt.nd S. ....... l.lIabIIIIYl._, ' n_'. C C.,0-810.... The. cavenantsanclagreemems of IhIlSocurIIy Int ohaU bind and _....OIl_..l\1dasolgno allinderand Borrawo" oubj.ctlolll. provlolonaolPala. pho.b.Bo_'ciovana!lIeand.~_IleJOlrnand_MyBorrower- co-slgna IhIs Seeu ,Instrument buI, does-riot-execute thl ,N~,e: '(a) r.,eo:-s1gn1ng Ihla Sec,udty Instrument only 10 mortgage, granI. . convey that Barrower'8,1nI8{8Sl '" ",,'pwperty,~erthB iannI of lhIs Se~ Insln.llnent; (b) Is not p8rIonaIIy obi 'to pay the.sums aecurecf bv<1hIs SecwIly Instrwnent; and (c) agrees'lhaI Lendar and any Olhtr BOtfOW8r may agree 10 exlBnd. modIr, forbear or make any accommodatfons-wlth regard 10 the lerms of thls_Securily Instrument or the No e without that Borrower's consent. 13. NoUceL noiIce 10 Borrower provided for In this Security Instrumsnl8ha1t be given by delivering It 01" by mailing II by IfI'st mal unless 8JJP11t!8b1e law requlles usa 01 anoIheI melhad. The notice shall be directed to the ~raperty Addre$S or other addl'888 Ban'OW8r d88lgnalea by I\DIIc8Ia Lender. Any noUelta Lender shall be given by fltst cl8S8 mal 10 er'8 addl'88lSlated herefn or any address Lender daslgnales by notice to Borrower. My nollce provided far In Ihfs S curtly Instrument shaD be deemed to have been given to Borrower or Lender when given as provided In this para rapti 14. Governing ,w: SeverablUIy. ThIs Security InstnJmanl shall be governed by Fedarallaw and Ihe law of the Jurlsdlctlon In which ' Property Is located. In the eventlhet any provisIon or dause of this SecurIIy InshUment or the NOll conDlct8 wllh a lcabIe law. such conlUcl shall nat affeCC ather r:!ravlslana of this SeculilY Instrument or the Nole which can be glven em wIlhaUl1he conBlcllng provision. To II1Is end the provisions of thls Seeurlly Instrument and Ihe Note are decIarecllo e severable. 15. Borrower's opy. Barrawer shall be given one confonned copy of this Securtly Instrument 18. A8slgnment Rents, Borrower uncondltlanally assigns and transfers 10 Lender aQ'lhe rents and revenues of lhe Properly. q aUlhorlzes Lender or Lender's agenlllO coDeCllhe renls and revenues and hereby dlreds each tenant a1lhe Prepe 10 pay Iha rants 10 Landar. or 1.0. ndeta'8.DIl ents. However, prior 10 Lender's natlcato Borrower 01 BorroWefe breach 0 anycovel'llnl'ongreen1,nlln tha Secumy Inst~t, Bonawar IhaII collect and,recelve aU rents and revenues oIlhe roperty as ,trustee for,the benelU of Lender ancI8~owar. this aaslgnmen~ of rents conslhUles an absollrtB asslgnmel\t not an asslgnment far additional SlICUliIy Only. . .' If Lender glv8t 8 of breach 10 Borrower: (8) i111 renIa reCeIved by Barrower shaD be held by Borrawer1lS truslee for benefh 01 Lender my, to be applleclto the sums secured bv1.h8 Se~ Instrwnent: (b) Lender shall be enthled 10 coiled and receive aI of the renl:li of lhe Property: and (c) eacti IeJ1aflt of 1118 Property shall peyall renls due and unpaid to lllndar Ollllndet agent on Lendet. written demand 10 1!1.llInanL " , ' , B9rrower has no execUled any prior a~ignmenr ofilia' rents and has not and wDI not perform ,any act thai would prevenl Lender lrom rc1slng hs rights under this Paragraph 16. . Lender shaD not e requlritd 10 enter upOJ\, iake COntra 'af'ai.nialntaln the Property befOre or after gIving nollce of breach to 'Borrower. CNlever. Lender or a JudlclaUy appolnled receiver may do so a~ any time there Is a breac~, Any appllcellon of renls I nOl cur, orwalYe any "'&faull or JnvaIldate any ather right ar:remedy of Lender. This ' assIgnment of rents the Property shaD l8nnftiate when the debl secured by Ihe Securily Inslrumenlls paid In full. FHA PENNSVl.VAHIA M TGAGE FOAM, ' " Z/91 ISC/FMDTPAlj0881/(2--i .L . P~E3OF" Bomct282 rACE 881 I~~~k , -~ .'~' a!;f' -' '. '::.;.1;, :i.i d'i LOAN NO. 10. II 57 113 NON..lJNJFORM COVENANTS. BonOW8l' and Lend8t1utlher covenant and agIN as krDowa: 17. ForeclDlur8 Procedure. If Lender ~ ImmedJaIe payment In U under P8:l:8Gl8P B, Lender may 1nlUal8 _bvJudIclalP"""Odlngtond/.._ony_rBri1eiI~""Dlbyoppllcibl'l .LondBtohallbo ",_loco!ei:tolle1lp"".._lnplll1lCltlglllB_ "_""""'17./ndud/ng. but not limited to. reasonable atlclm8y8'1eeB and COlI&I 01.... to the Ildent permIIted 'I BCC8p1abla law. ...R.I..... Uponpo\'l!lBlllolollaumo_bylNoSecllrlyI..........,lhIB_ ond..._. conveyed &hall termfnale aiid beGomevold.. AlfsJtsuch 0CCWNnClI LBnderahalldlschalge ana dslylNs Security Instrument wIlhout cf\arge to Borrower. BClII'OWeI'thaII pay III)' recon:IaIIon costs. ".W"""'. _.lo....___bvappllcoblelaw._ond_ Bffl!(O!d"....1n CrocoOdlnQ...onI_lhl,S_lnotnlmenI, ondliorlby,_Il1o_oIony_ _""",j>rovIcIlng ..otayol.................sJonoltlme,OllBlllpIIanlrom_l8vyondoal..Bi1d...... lll<BIi1jlIIo.. 20. Relnstatemel1t Period. BontHI8I"stJme IoJtl1.natatepnMded In PuagraJm 10 8haII nd to one hour prior to the commencement aI bidding ala sherill'l 11II, or other sale purIUlUIl to this SeCurIty nL 21. PW'ChI.. Money Mortalg.. If any oUbe debt slKU'8d by this SocurIly InstnJmenIls I nt to Borrower 10 ..qu>. JIIleIo !hoP_y. "'" SocwJty _ _boa"""'__ 22.lntentt RaleAnerJudgmlnL Bonpweragreelthat 1hI1nlereat._~. after. gmenl: Is entered on the Note or In an acUon of mortgage foredoaure IhID be the ndI payable frDm drile 10 time It Ih8 Nol8. Rfd....tothfsS.curUyhatfrument. lfoneOlmorerlrlerllU8~by8Q11DW11tand edtogeCherwflh lhIsSocuriIyl_lh._oI__rIdBt....bo~noond_ ondsuPlll-" the covenan18 and agreemenllof thIa S~llVJlrumenlas Id1I rlder(s) were.... a part ofthJII Securlly Instrument IChackapP/l:alllallOlc(esjJ, .' ..... . . . O_01OBt O_Pa__ 0 rowIngEqullyRldor OPlanned Unit Development Rider . ~Ottter {SpecIyJ FHA Escrow Payment Ridei:' BY SIGNING BEL.OW. Bonower accepta and agrees: to the tennI contaJned In pagea 1 I""rumordond Inonyrld,~o) _iliad bye.......,ond __It. ,rtft~t:- COMMONWEAI.THOFPENNSYL~~j) tk Onllda,lho If'lLdaYoI Ir~ ._.... lhaunderalgnedofilCer.perttOnal/yIlPP "UU K. IIoIlau.ahton ud Ail known to me (or eaUafaclorUy proven) to be the person. whose name' a r a aub and acknowIQdged that t h., execu!ed Ibe same for the purpose herein cantaIned. IN WITNESS WHERE'OF, I hereunto set my ha'~ and offtcIaI seal. My CommIssIa EIlzabeIhHGl8lI~SeaI . HanI~!JI!lp.n='~PI*'c MyCommlu/Oii e . N~lIl98 T1l1eofOlllow CERTIFICATE OF RESIOENCE I. CI.Innie L. WillialDe COItSCfaddressollhswhhlnnamedlenderJa1130 Berk.shire Bouhvard. WIlnessmy hancHhls L3th dayof Septelllber. 1995 ",.ntorLand., BOO! 1282 rACl 882 FHA PEHHS't\.VANIA MORTlaGE FOAM ICCjFMOTPA!/08Ql!12'8n-l PAGe4 OF4 2/lf - ~.~ ~~" 1illi - .' - ._--_._~"',...~,,,.~~. .....-..~-..,. -".. "'~. ... ALL'mAT CERTAIN lot or lrad olland sltullfc (a Hlmpdllll T< oa"" Ctunbc,lad Coulllly, CollUaOllWcDJlb oC PCIllUylyw. mof. plldillllllcd)' bolUlllcd ad dc4Cri .Q IoJlows, to '0911: BEGINNING allpoml oad. amtbcm ria1l-o/4'a)' J1aa ol}Ci '11 die dMdlDlllfDe at Loll 76 ami Lot # 71j IIi4 poiat "',beiDa IIOdhMaI eoIDOl' 01 XinaWmy Dtfvo llIId T8aso)' Collrt;' TJIINCI by the AOJIhIra dgbI-ot-w.r Dae olKlllolbmJ D.dw: N 82 depccI 02 Dlillllles 02 .conds West 20.00 teol to . pohlt; 11IENCB by lip 01 Lot m IIUI p iOI throap tilt oonlcr of a partida w.J1 Norib 07 dCIfUlS1 mJD"'J8$1COAds~ 100.00 feet to poiDt; TJlJ!HCB by Ifae aC IlIUIltQW or ronncdJ ofJ.P, W, SoulJa 82d~02m11u1a 02_ . EI$l20.00 fccllo. poiol; THENCE by Jb at Lot m ad pueiDJ tlaouab IJac CID8IeI of . parWi ..u SoIll& rn ileaI'M. " mUaulef S8 molllls Well 100,00 tat to . polDt OD lbe IIGJibta ri8h1-o1-wa liu oIIOIIWDD)' Dlin. Ihc pl..,.ofBEOINNINO. J Drive (64' wJdcprivAlc). II 181.28 feet 'NUl of tbe CONTAJ,NINO 2,000 IlJIIatC tecl. BEING Lot m OD Fillll Subdiv.ls!ol Pig otMouatUa View ViIlll PhIlP IVRccotdcd ill PICD Book 60, Pip 81B. BIIlNC PART OP THE SAME PIlEMISEB _ 'lb S4S 0 parlllcrPlp, lmIiD8 aDd lloiIl. blJliAea II sas Group, aPeGoqInail II April 18. 1994, .... JCCOrdcd ApdI 29, 1994 .. Ibo otfic;o of tile Cumbcdaad COW" husylYllllam Jhaord Boot lOf. h. 719, JnD1c Born", IDe. I PoJmsyIwul'a corpotetfOD. II&t 0"01011 .Ida. lip, . Pouaylvaall Umilcd partamblp.lt)' D.1d dIlcd rein of Duca I. wi lor ud COGVIyed Ull.lo Vin" . . '" 0' PonnSYlvanla } o 'u:ly of CUmberland 55 7'iO. 'IrdlJd In~lhe ollice tOIl e recording . and I blfrlillld oun~~ .:)" - r-.:ooo VoC Pagll riLJ' ....ltIltllblmy han d 81 f of ellrli"I.. PA Ih av 80011282 rAG( 883 - ~-,,~;-: I " ,'I ,:I! ';1 ~i I;:: 'II :;;, , i' l, "1.:~J,L;: ;',i ;,~jl APflllCNAUS, NA T H-I 8 LNIlII1I-8GS769] FHA ESCROW PAYMENTS RIDER THIS ESCROWPAYM NTS RIDER If made this 15th dayof Slptubu. 19115 ,andlB Incorporaled Into and ahall deemed 10 \UIlend and supplement the Mortgage. Deed 01 Trust or Secwlty Deed rSecurl\y Instrum of the same dale given by !he undersigned rBorrower-)10 secwe Borrower's NolerNole'lo 5Ilv...e gn alink, I F.dllr.ll SlIvln,. lenk covering the property described III the Securlly Inslrument and located 81: tt.ltlnny Orlvl."lchlnlclburg.PA 17055 (Property Address' TS. In ~on 10 lhe coven&lll8 and agreemenl8 made In the Securlly er further !covenant aN"'gree 10 amend Paragraph 2 01 the SecurfIy Payments ofTsx8S, Insurance and 0Iher Charges.- by subsUtUllng the tex! of followln~: 2. Monthly Pay nil of Taxear.!naurance" , .nd, ',011I, ., Chlll1l,a. BClfI'OW8I' shall Include In each monthly paym , together WIIJI the pllhclpallUKllntereat as set forth In the Note and any lala chargee. a sum f (a) Iaxe8 anl;I special aSlle8sinenIs' levied or 10 be levied agalnsl the Property, (b) Jeasah paymenl8 ,or ground rentai 'On Ihe Property, and (e) premluma for InsuranC8--reqUlred' Paragraph.. In, any Y!J8IIn which the 1.enaer musI pay II mortgage Insuran~ premium to e SecretarY of HoUsfrig lmd Urban Development rSecretafy"'), or Iri eny year In WhIch such lum woutd haVe been req~:1f Lender IIlII held the Secwtly InalfUment. each mDl'dhly paymen shall aleo h:ldUde eIlheri (I)t';1IWn fpl' the 8MUlII moIIgage Insurance premium to= Lender 10 the ~'or a ~ chal:uelnl1eacf of a mortgage Insurance mil' 8_S8CUrflyJ~I8~., ;Ihe Secr&IUy,rn a reuonableamount 10 bod...... byllul croIary.ExceplICI(IluI~.cho~'byllul~.""'I.mo... catted "Escrow ltema" the sums piId to:L8ndir ...~ed ,EaCraw Funds.. Lend., may, at any tIm", coUscI,Ud. hold arnounIiJ'for Escrow llemaln an aggregate amount not 10 exQeed the maXI! amount that may be required fof Borrowefl escrow account under the Real estate SetUem nt Procedu~,AcI' 01-18.,74, 1:~ U.S.C.126011LJ.tQ. and implementing rogulallono,.4 CPR 3600, os theymoy bo.- /arm /Ime.. /Ime ("RESPA'. _thaI the cushl()n or reserve nnItted by "ESPA for ~ dl8bursement& or dfribwsements befOle the Borrower'. ymenta are' awllable In the account may noI be basad on amounts due- for the mortgage Ins C8 premium., _, _ _ ' If the amounts held Lander for EscrOw Items exceed lhe amounta pennlhed to be held by RESPA, LIPdar shall d wIIh lhe exCa88 hJnds'lsllHlWred by RESPA. If the amounts of funds hefd by Lender at Ill)' are notllifflalent 10 ,pay~the Escrow Ilsms when due, Lender may nollfy the Bcmower arid require Borrower to make upilhe shortage or dellclency as pennlltsd by RESPA. The escrow Funds re pledged' as adcfttIonaI seCurfIy for ad sums securud by ibis Secwlty Instrument. If Borrower ende1'8 to U. nder ~e full PaYn1e. nt of aU SU. ch sums. Borrower's accounl shaI1 bo _lhld with . bolanco _0 ,....oJf ~m...1Iemo (0)-:='. ond (el ond ony mortgagelnsurence pi' um Installment IhiII Lender;has ncit become ted 10 pay to the Secre~, and Lender proll1JlllY ~ any excesS fundeto Borrower. tely prior to a foredoaure aaIe of e Property or lis acqulslUori IW Lander, 80rr0wer'. account Shall be credited wlIh any baIan remaining for aD Installments for hms (I). (b), and (c). BY SIGNING BELOW. orrower eccepta and agrees 10 the terms and provisions In this Escrow PaymentaRlder. ' ~A. ~/L zd:}-. ,s..n Nathan 1(. MC.lua~ BOrTOWaf A!:~N~~9~~~ Bo!:~ (Se81) Borrower (Seal) Borrower ioo! 1282 PACE 884 MULTISTATE -=HA ESeRO PAYMENTS RIDER ISC/FESCROWPMTRIDu/IO 95/(0595}.L 5/95 FHACASENQ. 441-50599]-0 . ':1' " L~ ii II I 1 i i ,i ;i 1i i:1 1,1 i I I , -'i ;i! ,i " :~j '!I :11 !j II II 'I Ii Ii I' I II I]$il ~j " " " il ~i ~i I'i fi ~i ~i " l! ~ .~ ~. - " ~" " " I~I..U/O'''''''''/b . LOANNO. 0 I 0 - 6 0 516 9 3 FHA CASE NO. 441.505993-0 STATE OF PENNSYLVANIA FHA NOTE September 15. 1995 4190 Kfttatfnny rfve."ec~anfGlbur8.PA 11055 [I'nIpoIlyAdd....J 1. PARJ1ES 'Borrowe" means each peI80Il nfng elthe end d this Note, 8IId the peI8OIl's SUCCSSSOlS snd ssslgns. 'Larider" means ,~__o_'I,.r. f,lIn Ban,k. Federa 1 Sav f nSI Bank ' ~:,:~,~~;t:~::,~~. _.. ,-' i BORROWER'S PROMISE TO" :r; .INTEREST In retUm for a lo8n.rilcslved LsncIer, Bomlwer promises to pay the prfncIpe/ sum d ,--,,;,/: It '~,_i:t':~J:Y'~J;~h.'oj~;~.Jt~, ~,E"lt!l:_~~."H, n,d,~~~~., t.~:~,~:Y ':_0,011. r._ "..n.~, _noll 0 0 "'_ ,': " ,'.. Dalla.. (1J.S. $ " 9 0, H 0 . 0 0 "" I, plus Into!est to the 0RIer d Lander. 1_ wBl be charged on unpaid princlpaJ. from the date lidlsburilement dthe lOin procseds by Lander, slthe rate dEl 9 h t .' . ...., <~~'Tal!'~.":;'" i'~'i' .' pen:snI ( 9 . 0.000 ''') per year unllthe 3. PROMISETOPAYSECUREO Ioo"",e(s promise to pay Is same date ..this NoIe 8IId cellsd which might result I Borrower d 4. MANNER OF PAYMENT (A)T1rne B~ shall malee a pa Kove.ber _1. 1995 . Ally be due on \hsI date, WhIch Is called I (I) Place Payment shall be msde at 1130 _ BlYd., WyomJssJng. PA 19610 or sl such place.. Lander may deal In wrIlIng by nodce to Bomlwer. (CI Amount Each monthly payment d 8IId IntsnIsI will be In the amount 01 $ 6 6 3 . 6 I . ThIs amount wBl be part d a larger n\onlI1Iy payment uIrsd by the SecwIly Instrument, \hsI shall be appllsd to p~ncIpe/, lnIeresl and other Items In the DRIer described In the $!lcurfty III8IIUm8I1I. (01 Allonge to this nol8 far pa ent adJustments . an allonge providing for : adlustmenla Is execuIsd by BomlwerlDglIIher with this Note, the covenants d the sllongs shall be and shall am8lld 8IId supplement the covenants of this Note .. . the aIIongs were s pan of this Note. [Check ap box.J o Graduated Payment All 0 0IhSl' [specify] o Growing Equity Allonge S. BORROWER'S RIGHT TO PRE :r Borrower has the ~ght to pay debt evfdsncad by this Note, In whole or In pall, wfthout charge or panafIy, on the first day of any month. by a molIgage, dsed of trusl or similar security Inslrument \hsI1s dal8d the "SecurItY 11l8IrUmant.' The SecurIty IIIllInunenl protecls the Lender from lossee underllila NoIe. 01 ptfnclpal and _to Lender on the III8t day of eac!I mon/II beg1mIng on 8IId IntsnIsI remaining on the fIIst day of 0 c to b... 2 0 I 5 ,will meIurIty elate. 6. BORROWER'S FAlWRE TO PA (AI Lsle Cherge tor Overdue P ents If Lander has not recelvsd the I monthly payment lIlqulrsd by the Security Instrument. .. dsscrlbed In Paragraph 4(q of this Note, by the end of n caJendar daye after the payment Is due, Landsr may collect a late charge In the emount of F . . r percent ( 4 . 0 0 0 0 %) of the overdue. a",aunt of each payment ISC/FFOOllJT"""92{(0492)-L P_'01'2 FHACasoNo. 441-505993-0 4/" L lLlt i :1 ;i i ~: I 'II II :1 II " ,I ~i il ji :1 II il il 'I " 'I 1! :1 -..............."'''-''-~ " 1-- ~~ ""~ -" ."I1I!;1' LOANNe. 010-6057693 (8) D""'un U Borrower d""'uIIs by laDing I pay In full.ny monthly paymant then Lander may. exc.pt as limned by ragulaUon. a11ha Socratary In Iha case aI pa nt d""'uIIo, raqulra Immadlale payment In full a11ha p~nclpal baI.nce ramaJnfng due .nd all .ccruad Int.raot. Land may choaoa not 10 exarcIoa thla Optlon wIIhouI waiving IIa r1ghla In the evant of any suboaqu.nt d""'uIlln many I ragulallono lseued by Iha Sacratary wDlllm. Land.... ~ghla 10 raqulra Immedlale paymant In full In Iha aI paymant dofaulla. ThIa Note does not .uthorlze .ccel.ration when nol permllled by HUD ragulallons. used In thlo Note. "Secretary" maano Iha Socratary of HousIng and Urban DavaJormont or hla or her d.s1g IC P.ymant 01 CoslS'ilnd Ex .na.a U Lander haa raqulrad Immed paymant In full. as dascrIbed above. Lander may raqulra Borrowar 10 pay costa and oxpensas including raasonabI and CU8lomary aIIomey8' faea for 8I1fon:Ing IhIa Note. Such faea .nd costa shaD bear IntarasI from Iha dilIe aI dlo nt atlha same 1'818 as the prtncIpaJ a11h1a NoIe. 7. WAIVERS Borrower and any other pe dishonor. 'Presentment" means masna the ~ght 10 raqulra Lander who has obIlgeUone under thlo Note waive the r1ghla of presentmenland notice of right 10 raqulra Lander 10 demand payment of emounl8 due. 'NoUce of dishonor" give nolIce 10 other paraona Ihat amounts due have not been paid. 8. GMNG OF NonCES UnI... applicable law raqulraa be given by dellverfng . ... by maD address. BOITOWIlI' has given Land My nolIce Ihat must be given stated In Paragraph 4(8) ... at. d 8. OBUGATlONS OF PERSONS ff more than one penon signa made In thlo Note. including tIie , end..- aI thIa Nota 10 eIoo obi obIlgallona riI . guarani.... surety Nota. Lander may enfan:e.. r1ghla My one person slgnlng.1hIa Note BY SIGNING BELOW. B different method. any nolIce Ihat must be given 10 Borrower under thla NoIe wDl . by IInl class mello Borrower atlha property address above ... at . dlllarent . nolIce rilllorrowar'a dlllanlnt add..... Lander WIder IhIa Note wII be given by IInl class maD 10 Lander .Ith. address address. Borrower 10 given. nolIce rillhat dlllarant .dd..... DER THIS NOTE Note, _ IJ8I'8OI1Io fully and paraonaJIy obIlga1ad 10 keap all of th. promises 10 pay the full amount _. Any Peraon who 10 a guaranlor. surety or 10 do Ihase things. My paraon who ... ouar these obligations, including the endo"",, rillhIa Note, 10 also obIlgaIad 10 keep all riI the promises mad. In this er thIa Note .galnal_ penon Individualiy or agalnal all s1gnatorfeslOgalher. be raqulrad 10 pay aD of Iha amounts _ Wlderthla NoIe. accepts and .g....1o the tanns and ClMInants conlaIned In this Note. .~~tftd- ~ f. mdlOl~~-" A.y . McN.ughton (8EAI.) - ,,...,;:'--;.. (8EAI.) - (SEAl) ......., (8EAI.) - PAY TO 'IHE ORDER OF CHEMICAL RFSIDENTIAL RTGAGE CORPORATION WITIIOUT IUX:OURSE THIS !J- DAY OF OG~. 1995. SOVEREIGN BANK F.S.B. PAUL 'Mf01JICllII8llF WlTftOtll' R<<lltIISr CIffMa rfS/DENrlALIIORTGAGE Cllal'ORA11OH -_.i .1St:.~1I1192{(0482)-l PAGE 2 OF 2 FHA.CaMNo. 441-505993-0 4{92 . . - -~ ~ ,., 1;1 ~..... - ilY__ PLAINTIFF'S AFFIDAVIT IN SUPPORT OF ITS MOTION FOR SUMMARY JUDGMENT STATE OF ) ss. COUNTY OF ) , being duly sworn according to law, deposes and says: 1. I am employed in the capacity of of Chase Manhattan Mortgage Corporation, mortgage servicing agent for Plaintiff in the within matter. 2. In said capacity, I am familiar with the account that forms the basis of the instant foreclosure action and am authorized to give this Affidavit. 3. All proper payments made by Defendant have been credited to Defendant's accounts, 4, Defendant's mortgage payments due October 1, 1999 and each month thereafter are due and unpaid. 5. The amounts due on the mortgage were correctly stated in the Complaint as follows: Principal Balance Interest 9/1/99 through 2/1/00 (Per Diem $19.09) Attorney's Fees Cumulative Late Charges 9/15/95 to 2/1/00 Cost of Suit and Title Search Subtotal Escrow Credit Escrow Deficit TOTAL $87,100.44 $2,920.77 $4,000.00 $161.75 $550.00 $94,732.96 $194.84 $0.00 $94,538.12 6. Mortgagor has failed to reinstate the account or offer any reasonable solution to cure the arrears on the past due mortgage payments. 7. Plaintiff provided mortgagor with a Notice of Intention to Foreclose Mortgage, but Defendant did not take the necessary affirmative steps to avoid foreclosure. 8. Plaintiff did not provide notice under Act 91 of 1983 to Defendant because the subject mortgage is insured by the Federal Housing Administration. -~._- """'-,,",,- . -.~ -=" " ........ - I-~II!(;.J 9. Plaintiff continues to suffer unjust financial losses as it pays the taxes and insurance on the pr6perty as they become due to avoid a tax upset sale andfor loss to its collateral, all of which accrues to the benefit of Defendant and to the severe detriment of Plaintiff. 10. Plaintiff properly accelerated its mortgage to protect its interests. /tt-q io MICHAel. DAVIS ASSISTANT SECRETARY Chase Manhattan Mortgage Corporation ","''',''''''''''''".". ._., I'-'?-.\AL. S.e-- "'" l'6' ~:J' .~( ..\ SUMMER M: WINEGARDNER 1 . 1Notory Publrc, Stale of Ohio . oJ My Commission Expires ....:' r 0-<->' Nov. 18, 2002 .".....IE of ,...,. ......"",,.~ File Name and Number: Nathan K. M 1500120296 <~..""~:"_.~~d "-<"!II!lilIf1! If ,~"~ - :,"~~-.~"-~ =-~%- ..,;~,. ...._- if, " ~!, , ~ i . I: !,,, i I ii, Ii I' " it Ii I U' I~' l' '; , , I " ))oot~o2..~lo ft" ECEIVE D ' MAY 0 1 2000 MAY' 52000 " "" r .~ '. L..~oUI.i "'- ~ - . ~,~c,_..,J . " ~l>ll~ FEDER.i\1AN AND PHELAN By: FRANK FEDERMAN, ESQUIRE IDENTIFICATION NO. 12248 TWO PENN CENTER PLAZA, SUITE 900 PHILADELPHIA, PA 19102 (? 1 'i) 'i1>1.7!l!lO ATTORNEY FOR PLAINTIFF COURT OF COM1vION PLEAS CrvIL DrvISION CHASE l\ifANHA TT AN MORTGAGE CORPORATION, FIKJA CHEMICAL RESIDENTIAL MORTGAGE CORPORATION 3415 VISION DRIVE COLUMBUS,OH 43219 Plaintiff TERM NO. ~- JOJ't (?,Ul{ '1~ CUMBERLAND COUNTY v. NATHANK,MCNAUGHTON 4190 KlTTATINNY DRIVE MECHANICSBURG, PA 17055 ~-, -,' Defendant( s) , CIVIl. ACTTON _ I.AW MORTr.Ar.R FORF:CI OSITRR NOTTCR --THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMA nON OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY AND THIS DEBT WAS NOT REAFFIRMED, THIS CORRESPONDENCE IS NO:r AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY. -- 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 TIDS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE,PA 17013 (717) 249-3166 Loan #: 15001202Q6 FEDERMAN AND PHE!..AN ATIORNEY FiLE COpy PLEASE RETURN We hereby certify the within to bo a true and correct cC;JY of the orig!ncl mod of record FEDERi'l.AN AND PHELAN '1; ,'~~ =~J . =',~,:, L Plaintiff is CHASE MANHATTAN MORTGAGE CORPORATION, , FIKfA CHEMICAL RESIDENTIAL MORTGAGE CORPORATION 3415 VISION DRIVE COLUMBUS,OH 43219 2. The name(s) and last known address(es) of the Defendant(s) are: NATHAN K. MCNAUGHTON 4190 KITTATINNY DRIVE MECHANICSBURG, PA 17055 who islare the mortgagor(s) and real owner(s) of the property hereinafter described. 3. On 9/15/95 NATHAN K. AND AMY E. MCNAUGHTON made, ex;ec\lted l\ild delivered a mortgage upon the premises hereinafter described to SOVEREIGN BANK which mortgage is recorded in the Office of the Recorder of CUMBERLAND County, in Mortgage Book No. 1282, Page 879. By Assignment of Mortgage dated 9/28195 the mortgage was assigned to PLAINTIFF which Assignment is recorded in Assignment of Mortgage Miscellaneous Book No. 511, Page 550. 4. The premises subject to said mortgage is described as attached. '.4- .' 5. The mortgage is in default because monthly payments of principal and interest UPOIl said mortgage due 1011/99 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. =. ~ , - ~ , . .' ~.'\!oI'fr;, 6. The following amounts are due on the mortgage: Principal Balance - Interest . 9/1/99 through 2/1/00 (Per Diem $19.09) Attorney's Fees Cumulative Late Charges 9/15/95 to 2/1/00 Cost of Suit and Title Search Subtotal $87,100.44 2,920.77 4,000.00 161.75. .5.5ll.fill 94,732.96 Escrow Credit Deficit Subtotal 194.84 llJlQ 124..S4 TOTAL $94,538.12 7. The attorney's fees set forth above are in conformity with the Mortgage documents aiJ.d Pennsylvania Law, and will be collected in the event of a third party purchaser at Sheriffs Sale. If the Mortgage is reinstated prior to the Sale, reasonable attorney's fees will be charged. '-. .,' ~~,.,-. !. ,; ~, :, . ,,-, ..', '.. , ( , 8. This action does not come under Act 6 of 1974 because the original mortgage amount exceeds $50,000.00. 9. Plaintiff hereby releases AMY E. MCNAUGHTON from liability for the debt secured by the mortgage. WHEREFORE, PLAINTIFF demands an in rem Judgment against the Defendant(s) in the sum of $94,538.12, together with interest from 211100 at the rate of$19.09 per diem to the date of Judgment, and other costs and charges collectible under the mortgage and for the foreclosure and sale of the mortgaged property. !<;.! Fr~nk Fp.np.Tnum FRAJ{KFEDE~,ESQUlRE Attorney for Plaintiff Al.L. THAT CERTAIN lot or tract of lend ~d premlae.s. .sJh.utte In the ToW1'ts"'p at HampqeM, Cumberland <;ol.mt.y. CQ~rnQ"Wealth 01' Pennsylvania, mate partlcul'lilrty described as follows: BEGINNING at a point an Ute northern rfQht"Or~w.y line of Klltatinny Onve (64'.wlde piivate). 'It the dividing line of Lcl#76 /1M L.et #7'7~ said pclnt also being located 781.28 reet wesl'Q(U'l1ll northwest camet of Kiltatlnny Drive ancf Tusaey Court: . , THSf'IICE by the northern tj9h~f-way line 0' KJltatlnny Drive North 82 <:ieg~~s 02' .:niii~e~ 0< seconds Weat 20.00 feet to a point: Tt-IENCe by line of Lot *78 a"Q pas.lns through the center of a par1IUcn wan North 07 degrees 57 minutes 58 seccncs East 100.0Q reet to a point; THENce by tine af'land now or formerly of J.P. Roth, SQulh 82 degree. 02 mJrrules 02 seconds I!a3t 20.00 teet ta .. point: THENce b~ Un. of Lot #76 and p-as$ing through the center or a partition wall South 07 degrees 57 mlnlJt~s 58 seCClncta West 100.00 reat to a 5'olnt on the nQrthem rlght-af..way lin. Qr ~tta1inny Cri...e. the place at SEGINNING. . . CONTA!NING ~.OCO square feet.. BeiNG LoI #77 on Final Subdivision Plan of Mountain View Village Phase IV R~corded in Plan Book eo, Page 878. UNDER ANO SUB.JECT. Icu:ertlllin tostricUons_and conciltions as appear of rlt:cord in the Office of the f\ecordBr or CaeQ:s in and ror Cumberland County, Pennsylvania In Miscellaneous Bool( 392, Page 787. Mhlcefl&nClQ'-Is Book 393. Page 557, ii1nc:f MfseellaheQus BOOK 41-4, Page 1102.. " IT BE)f\lG the same ttaot that Nathlll'l )(. Mc:N4Ughlon and Amy E. McNaughton by Deed dilled JUly 3, 1 B97 anet recorded in the Ofnc:e of the Recorder of Ce..de In and for Cumberland County. Pennsylvania In Deed Boole 181, page 119, gr.anltld and C:of'lveye:d untc,Amy e.. Geib CtClclT1erl)' Amy E. McNaughton}. Grantcrr herein. TCGETHEi,fl with all and lJf"gular""e DuJkUngS. fmprovemenb. ways. waocla. waters. waterc:oursCls. rlgh\S~ liberties. privileges. hetedltamenta and app~rtenance$ to the same belcnglng '=Ir In anywJsQI apgllll'talning: and ttle t'W8V1!tratcn and nav....icns. remainder end remainders, ",,"bs. Issues and profits therear. and of every part ..,d parcel ther.tIIt: AAD alsa all the estate. rtght. title. Interest. use, PC:SS12SS'C1n. property, Qlarm llnet t;femend' wtMtscrev.,r of the GrantorCs) both In law and rn liICliulty. at, In _net to Ihe pr.",bas herein daaerlbed and ewery part and parcel thereo' wU" the appl.zrtenanc:e.s. TO HAVE A,NC TO HOLD all and _ingUlar the premises herain desQibed togeU'l.t \lVith the hereditaments .net eppurtenances ,lInto"th./~,ra,"t.els) ~~~..~ Grantee's(s") pro~er use ana ~enent forever. AND the 'Qrancor(s) covenant that. elteept ~ ~aY b. herer" ~~t forth. 1"ey do ~nd will FOReVE:fl SPSCLALL-YW,AR.RANT AND DEFEND the rattds and premises, hereditaments a"d appurtenances hereby -cOnveyed. ;against the GrantQt{s) IIn4 aU other persona lawfully c:Iaiming the same or to claim \he same. In an references hGre~n to any parties, persona, .nlilfes or CClfiloratfans, the ~Ise or any 5'articuJar gender or the plural Qr alngullII" number Js Intended to include the appropnate gender elf' number as the text of ttle wtthln Int.trurnent may require. Wherever In this instrument any party sl'\an be designated or referred to by name or general reterence, $ut:h deslgn_tren i. fnte"deCl to ."c.f shaff have the same effect as if the ward's "heIrs, ..ec;utof$. administrators, peBcmal or legm represantaUv8$, successors and assigns" nad been Inserted attlltr eaCh and etlerf such desIgl1ii1tlcn. THIS 15 A CClHVSY A-NCE betweef'l partles who were previously HLlsband and Wife m~cle pursuant to a Property Settlement Agreement subsequllnt to a divorce and is, th.refcre. ex.empt from Pennsylvania realty transfer ts)(. lN WITN~SS WMERECF. the Grantac(s) have hereunto lIiet their hBncls and !Saals. or if a c:orporaUon. \t hlliJ.s c::aused these pr.esenta to be signea by its proper c:orporete offlcar~ and Its carF:loratG ~e;al to be aJfb:ed heralo, thfl day and year first .cove written. PREMISES: 4190 KIT'l'ATINNY DRIVE - .. .r.-.,... -.w.tl. i I I ! I I , i I - 1",_ ~ '"'iii VERIFICATION CHRISTOPHER STUMP hereby states that he is ASSISTANT SECRETARY of CHASE MANHA IT AN MORTGAGE CORPORATION mortgage servicing agent for Plaintiff in this matter, that he is authorized to take this Verification, and that the statements made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best ofms knowledge, information and belief, The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. ~/ -- DATE: 9-IR.oO ~~ ~ L,~< . --~~ - ~ -~I , ~, rt:"~! CHASE MANHATTAN MORTGAGE CORPORATION, FIKIA CHEMICAL RESIDENTIAL MORTGAGE CORPORATION IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff vs. No. 20001034 CIVIL TERM CIVIL ACTION -- LAW NATHAN K. MCNAUGHTON ACTION OF MORTGAGE Def~ndant FORECLOSURE NOTICE TO PLEAD , To: CHASE MANHATTAN MORTGAGE CORPORATION, F/KJA CHEMICAL RESIDENTIAL MORTGAGE CORPORATION You are hereby notified to file a written response to the enclosed Answer within twenty (20) days from service hereof or a judgment may be entered against you. Dated: S/Z/ /tnJ / I Respectfully submitted, T;m~~~ Wiley, Lenox & Colgan, P.C. I South Baltimore Street Dillsburg, PA 17019 (717) 432-9666 !.D. #77944 ~~ -., " _.........._...~ ~"~. '-i!iJ~" CHASE MANHATTAN MORTGAGE CORPORATION, FIKlA CHEMICAL RESIDENTIAL MORTGAGE CORPORATION IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA Plaintiff vs. No. 2000 1034 CIVIL TERM CIVIL ACTION -- LAW NATHAN K. MCNAUGHTON ACTION OF MORTGAGE Defendant FORECLOSURE ANSWER AND NOW comes the Defendant, Nathan K. McNaughton by and through his attorney, Timothy J. Colgan, Esq., and file this Answer. 1. Admitted upon information and belief. 2. Admitted. 3. Admitted. 4. Admitted. 5. Denied. After reasonable investigation Plaintiff is without knowledge or information sufficient to form a belief as to the truth of this averment. 6. Denied. After reasonable investigation Plaintiff is without knowledge or information sufficient to form a belief as to the truth of this averment. 7. The averment is a conclusion of law to which no answer is required. If an answer is required, same is denied and strict proof thereof is demanded at trial. 8. Admitted. . ~, ~". oJ- " .....,"1:",:: 111 I':' :: H ill; ,'I', " 'I" :i :," ii' 9. Denied. After reasonable investigation Plaintiff is without knowledge or information sufficient to form a belief as to the truth of this averment. WHEREFORE Defendants demand judgment against Plaintiff and request dismissal of -- Plaintiff's suit with court costs to be borne by the Plaintiff. I:: , Dated: ~ /2-( / t7lJ 1 I Respectfully submitted, d.-~ Timothy J. Co gan," Ire WILEY, LENOX & COLGAN, P.C. I South Baltimore Street Dillsburg, PA 1'7019' (717) 432-9666 J.D. #77944 [I I i: I " , i' " ]' I " 11 i' II I 11 il " I' II II' ,: II " !' I ]I :: I; i, I, ._~ -- .~ _, ~-~ J VERIFICATION I, NATHAN K. MCNAUGHTON, verify that the statements made in this document are true and correct to the best of my knowledge, information, and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. ~4904, relating to unsworn falsification to authorities. Date: '5 - ~ 1. Od ~/fI~~ NATHAN K. MCNAUGHTON Defendant .' w" " .< ~~- _ L "~~-"-~r" CERTIFICATE OF SERVICE I, Timothy J. Colgan, Esquire hereby certify that I am this day serving a copy of the foregoing document upon the person(s) and in the manner indicated below, which service satisfies the requirements of the Pennsylvania Rules of Civil Procedure, by depositing a copy of same in the United States mail, first-class, postage prepaid, as follows: Frank Federman, Ecq. Attorney for Plaintiff Federman & Phelan Two Penn Center Plaza, Suite 900 Philadelphia, PA 19102 WILEY, LENOX & COLGAN, P.C. Date: 5/21 / tV ,I 1 4~ Timothy J. 0 g uire Supreme Court J.D. #77944 I South Baltimore Street Dillsburg, P A 17019 (717) 432-9666 By: S'ICLlENTSICOLGANlMCNA UGH71ANSWER WPD ~. - -b:liJ0 ',:,>g..".lIl!.'..."1iI; ~. .^'--_:~ '.- ,'<\,,' " ,- .,::j~~.~~, Loan #1500120296 o CHASE ChaSr} Manhattan Mortgage Co,rporation 3415 Vision Orive Columbus, OH 43219-6009 1-800-848-9380 Collections 1-800-582-0542 TDDfText Telephone NA'I'IVJ:'-l K. MCNAUGI-ITON 4190 KITTATINNY DRIVE Ml~CHAmCSBlJ~~~,' PA 17055-9139 '~"":;'~,:'- 1j,~~ 12/05/1999 Cert!'fied Ma.!'I Return Receipt Requested RE: Loan Ifl.~Q91?'9~96 IIIIf~~ IleT 91 NOTICE if,il""L' TA~~CTION TO SAVE YOUR HOME FROM FORECLOSURE This is all the lender default is offIcIal notice t,., the mortgage on your home is in default, and itl"te.nds to foreclos.',"::- Spe(~ific inforrua:tion about the nature of the provided in the en~sed pages. ..,;;,W! The HOMEO\,NER; S MORTGAGE: ASSLl;im.cJih,PROGRAH (HEJ.L"J?) may be able to help save your hOTU<';, This Notice explains how tl\e'~'j?1:.i:i'gram works. .~~,~,~;;;~~ 1'0 "'''''' :Lf llEM..I"P can help. you mus.t MEET';Wrm A CONStiMER CREDIT COUNSET,ING AGENCY WnmN 30 DAYS OF THE DATE OF TiiIs NOTICE. Take this Notice with you when you meet with the CCJunseling Ager::c:y. The name. address and phone number of':'~:~or.{s'Umer Credit Cow'""lseli.ng Agen.cies ser.vin.g your Coun:!:y ar'~1 listed at the end of this Noti.ce. If you hav'8 any question.oS. you trUlY call th+? Pennsylvania. HCl'l1sing :B~i.nanee Agency .toll free at 1-800-31;2-2397. (Persons with impaJ.r.'ed hearing can call (717) 780-1869.) This ~:k;<tice cor:::tains :i.mpc.rtant legaJ. infonn,at:lo,n. If Y'OIj, have any quest.ions. r,,"~pr"2s(,;-:,n'tativ'e.;;-; at the C<;.nsllllH::'!-r Cr'(~dit Counseling r\gency may bE;'. able "to help E"2Xpl.d:i..:-. it:., ':{ou may a.lso ',.;raX1."t to c:cnt.:a.::;:t an at-t.::):!::-r.,~~y in )'{)ur area. 'The local bar. a.'3so(~i.at:l,oi'l ma:y" be ablE to help yo~.J. find a la~...f)"ez:.. NA'l'HM'I ,it.' !1CNAUGH'rciN 12/05/1999 Page Ziti 'ij;""''-:'_O. LA NO'rm:rCACION EN ADJUNTO ES DE: SUM.A IMPOR'I'ANCIA. PUES A.."'El.'TA SU DERECHO A CONTI~ VL1IJiWDO F.N SD CASA. SI NO COMPRENDE EI. CONTENIDO DE ESTA . ""m""1 "'" "",,""WN """'''''''''''' """"""" ""'A AG"""A (PENNSYLVAN.. 'OUSilIG FINANCE AGENCY) SIN CARGOS AL NUMERO MENCroNADO ARRIBA. PUEDES SER .. IBLEPARA UN PRESTAMO POll. EL PROGRAMA LLAMADO "HOMEOWNER'S EMF.RGENCY M .. ,AGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU GASA DE LA PBRDIDA DEL, . CEO A REDIMIR SU HIPO'I'F.CA. HOMEO';"1!ER' S .~ : K. MCNAUGHTON MCNAUGlITON (Ose 1) PROPERTY ADDRESS: 'ITTATrl~rl DRIVE. MECEUUfrCSBURG, PA 17055-0000 LOAN NUMBER: 150012 Current Manhattan Mortgage Corporation . . ~ . " IIOMF.oWNER' SEMERGENCY MORTGAGE ASSISTANCE P!lOGR.AM ;;..,....,,1 YOU MAY BE ELIGIRT.F. FOR FINANCIAL AS;3;i:STANCE Wl'U.QH_CAN-!2AY.lLIQ!lB HOME..KRO.!:! FOREC:\&.SURE AND HELP YOU MAKE~F~ MORTGAGE PAU!ENTS. IF YOU COMPLY WITH THE PROVI " F THE HOMEOWNER.' S EMERGENCY ~IORTGAGE ASSISTANCE ACT OF 1983 (THE ", .... "). YOU MAY BE ELIGIBLE FOR EMF.RGENCY MORTGAGE ''''-If!,'.,,;''), ASSISTANCE: ::"..m, IF YOUR DEFAm.T Hi\. USED BY CIRCUMSTANCES BEYOND YOUR CON~rItOL. U' YOU HAVE A REASONABLE P . F BEING ABLE TO PAY YOUR 110RTGAGE PAYMmffS, MID ESTABLISHED BY IF YOU MEET O~~ ELIGIBILI~;i THE PENNSYLVANIA HOIJSING E'I""" TEMPORARY STAY OF FORECLOSURE - Under the Act. you are entitled to a te!:lporary stay of foreclosure on your mortgage 'for .thirty'::{301 days from the date of this No.tice. During, that time you must arrange a~',-..:,;:::a':tt-~d a nfac.e-.to-face~ meeting wi.th one' of ,the consumer credit cot.U1sel.ing as~.*~..~~_~.>listed a-t .the end of this Noti"e. THIS MEETING MUST OCCUR WITHIN THE NEXT~DAYS. IF YOU P_O NOT APPLY IQJ3 E.l1i::R~.iENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR I1QJj,1:YAGJI,JIE TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOm:, MORTGAC)::__.QIlp'A1I1Ti" EXPLAINS HO;L:ITLaEI!:!~} ,{.QJ[ILNQB.Tql~91;._E\:'"TQ,J!A.'I1;. o CHASE Certified Mail ::<''," '{" NATHAN K.' NCNAU(1HTON 12/05/1999 ''fI.'!",:',,'!,.. Page 3"" :r~~i:~;;::i -,;.,;...-,-', """"'-,"'''' -,\,,,,:;~'-::.':: CONSUMRR!,"i::REDIT COUNSF.!.TJiIG AGENCIES - If you credit jB'db.'l. . 19 agencies listed at .the end take action inst you for thirty (30) days IlliLn ;:.QJID..!ti < forth_qj;_tl1 to-face IDee meet with one or the consumer of this NoUce. the lender may NOT after the date of this nteet:tng~ - ,". um r c;.111.lLf>1.L.thlL~'1.i!;:Lthll---ll.NDertY is located are set f is N ic. It is only necessary to schedule one face- Advise your lender ~~~~ of your intentions. APPI,,;J;!:lA'J;;rON_ R'l'GAl,"'&"ASSIST~q; - Your mortgage is in default for the reasons set forth Is' . his No.tice (see following psgesfor specific :LnfcJr.."mat:!.on about th {:lture of your default). If you ha'l'.,tla 'tried and are ur~hle to resolve th blem with the lender. you have the right to apply financial assistance the Homeowner's Emergency Mortgage Assistance Program. To do so. ust fill out, sign and file a completed Homeowner's Emergency Assistance .. Applica'tionw'ith one of the designated consumer credit counseling ag iated at the end of this Notice. Only consumer credit counseling agencies have applications fer the program aIld they will assist you in $ubmitting"'il-ccmplete~applidi'ticin"'to "the"Pennsylvania Housing Finance Agency. Your applioation MUST be filed or postmarked within thirty (.3()):4aysoj;'you,,';;face~,to-fac:meeting. :,'L'_"';-." ,"'_ 'C" '.' '";._:,~;;/:.. " . ~~. for YOU !!lUST FILE YOUR APPLICATI FOLLOW THE OTHER TIMEPERIQD AGAINST YOUR HOME IMMIIDIATEL BE DENI1ID. Y. IF YOU FAIL TO DO SO OR IF YOU DO NOT TH IN THIS LETTER. FORECLOSURE MAY PROCEED YOUR APPLICATION FOR MORTGAGE .ASSISTANCE WILL ~ ACTION - Available fun ~,emergency mortgage assistance are very limited. They will be disbu ''', he Agency under the eligibility crite.ria established by the Act. The Pennsylv sing Finance Agency has sixty (60) days to make a decision after it rece applica.tion. During that time, no foreclosure proceed:!.ngs will be pu ainst you if you have mErt the time reqlli.rements set forth above. You wi .tified directly by the Pennsylvania. Housing Finance Agency 0..".".. "....,ecision 011 your application. NlYl'E: IF YOU ARE CllRRENTLY PROTECTED~"ji' FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NO'rICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED.AS AN A'l.'rEMP'l' m COLLECT THE DEBT. (If you have file,d bankrup.tcy you can still applY' for: Emt~!:'genc)r !1ortgage Assis'tancf=. ) NATHAN K. MCNAUGHTON 12/05/1999 Pag.l'~ 1.,1; BOW TO CURE YOUR MORTGAGE DEFAULT (:!!!;.;!,n~..i:!;~ ,',-';',":t'l NA~'URl~ OF THE ;DEFAUL~' - The MORTGAGE debt held by the above lender on your propertY-lo.d a:t-;-... 4190 KITTATINNY DItIllE. MJ;~CHANICSBURG. PA 17055-0000 IS SE!(IQUSLW DEFAULT 'because: ~",-,:,ji YOU HA1I1i~9i#J.ADE MONTHLY MORTGAGE PAYMENTS for the follO'.ring months and th" foIlow.tlfg" "" rl~ now past due: Starting through December 2000 at $2.428.71 per month. Total Monthly Rayment" P~ru._D Late Char.."". O"ther ~ $2.428.71 ~ $12.07 $97, II, '-,'-'..,'-- 'roTAL AMOUNT DUE TO CURE DEI!'AULT: $2.537.92 " " I'JQ1LI9 CURE THE DEJ:'AlJLT - You may cure the default w:ithin THIRTY (30) DAYS of the date of this Notice BY PAYING THE TOTAL AMOnNT PAST DUE TO THE LENDER. wIHCH IS $2,'537.92, PLUS ANY E PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE 'llHRT'l (30) DM . . Pa)rments must.J;>e made ,,!l,,;l!;ll!Ol:..l1.Y._.!::.ll!ii.\h cash;!,!'~r":"'~_~l>"ck. !;.,,_t"J:.ti ron ' d ~de ...>l"::l<!.Q.l.'uID!L~_<m.!;~ Ma_nh.S1.!;..1;.e.,D,...J.1Qrtgap,g...l';9J;'.t?,( IJ' YOU P!J.J!QI...J ou do no't Cill"e the defaul1: w:I. thin THIRTY (30) nAYS of the . the ]pnder intends to ~j;_;!,.!.!.f!_;f,:!;:g right'! ~gge1.epate th~1!!Q.tt.&age de.bt. 111i tha"t the en"tire outstanding balarl<'" of this debt will. he consider .. ediately and you may lose the chance to pay the mortg..,ge in tllonth,~y~s~_, ants. If full payment of the total amount past due is not made wTthin 'l:'FqRT'l (30) DAYS. the lande." also irrte!1cls to instruct its attorneys to lii:.irt,,:!l;j,gal action to for_eg19~~..Jl11.qg.,Y9.m;: mortga&..G..4.-R:t'.9P"~1;.1:t'. ';':'.',: ':: ,':'" . :_'f!1~~~ o CHASE C,ortified Mail . '",,"'" ~i.:i.TH.AN K. MCNAUGHTON 1"'o.I'99~ -' .t., 'nl J.",":J Page .5 .. .-, q IF 'l'IIE JroRTGAGE IS FORECLOSED UPON - 'TIle mortgaged property will be sold by the Sheriff";""o Pit~, off the mortgage debt. If the 1erlder refers y,>ur case to its a.t'torneys. hJ\~ yot:! cur.e the. delinquency h-efor~'! 'the lender beg:Lns legal proceedings I&IIin"t you. you will still be required to pay the reasorlable attorney's ~~s that were actually incurred, up to $50.00, However, if the 'If?";:", legal proce~~gs are started aga:tnst you, YOll w.LlJ. have to pay all reasonable attot'ney's :i'!s actually incurred by the lender even :l,f they exceed $50.00. Any" 8,~tot'ne,:{~~:~f~~.:~ will be added to the amount you owe the lender. which may a1s" J.nclude.""other" r b1e costs. If....xc;m C1!l;!iL...t.t!J;)_4,!i\t:!l.yJ,t wiJ;1!i+.L.:.l;he 'J.1II1ITX 1J.Q.L 0 t e~11'1'red to 1lav attQ.~~~_fJ~~t~. Q1'Im;FLLm'mmL~.J; pr:tnc:ipal balance ~ e l€~nder ma:;:t also sue you per Bonally for .the unpaid -~other sums due unde!." thla mortgage. RIGm~_'t'{LGJ!mL'mE D . ,;" OR TO S~.1ITr.:.s...lMlJ.'i - If you have not cured the defacclt w:l.thin the orH"!'RT'l'''t30) DAY pedod and foreclosure proceedings ha'le begun. ::L9.1LJ'tiu...hs.l1:!U;,~J~.ll.I1t.....!;!Lr..1.!.,;.!i)_ the d_'.:.f!l,J.\,l:l:...J,"I),\Ljl~..th!i)_,_".llle at any ~ up to one nil);!'" before 'the ~ff's Sale, ":(Q.\L1llsIY do IlQ by D",,y:ing the. :!;Q:J;J!1 amoun't then past due. plus anv late or other charg,<,s the.n due, reasonable a.ttcrnev's fees and costs connected with the forecJ.Q_~ure sale ang any other costs connected with the Sheriff' s Sale as soecif;!,eg...:i.n,...w:r.;!.J;;1ng by 'the lende];, lill!L1.1yoerforming. any oth r nts d r tb~,.Jl1.Qtlg",.,~. Curing your def,,~tl t in the lIIaDner set fo " Notice will restore your mortgage to the same position as :if you defaulted. EARLl" POSSIBLE HER! that such a Sheriff's Sale 0 appro:x:imately six (6) months actual date of the Sheriff's Sale well, course, the amount needed 'to cure the "'Iii t. You may find out at any time e ",'ill be by con'tacting ,the lender. DATE - r't is estimated that the earliest date tgaged property could be held would be date of this Notice. A notice of the t to you before the sale. Of . ... will increase the longer you ,~~ t1~1Iiha't the requir.ed payment or action ":!/;.l;~,"ij,~:: f);QILTIL!;9N:;rAL"l' TIlE Lm@~.; N~m~_Q..f._Lender: Chase Manhattan Mor'"tgag.? Corpora-tion Address: .3415 Vision Drive Columbus. 011 1,3219-600'" Phone Number: (800) 81,8-9380 Ji' a~_ Ntk~!-if;t~..~._;. (614) 4,22~5381 .couJ;,~S:;.t._f_t;',r$..9J!..:.. Scoi:t Ca.steel . NATHAN K. MCNAUGh'TOn 12!05!19?9 Page 6 ::'"h_" m'Ee']~ "OF SHERIFF' S SALE - You should reaaz" tha't a Sheriff's Sale will end you,:: (~e"rsh.ip_ of tht::!- mt.'1!:tgaged proper'cy and you:!:' right to OCCUPY" l't. If you continue to ';t'~ve in the pr:ope.rty after the- Sberiff's Sale. a Imlis'l1::t.t to ,r-emove you ",:d YOUl:'~rniSh:l.n&S and oth.or. belongings <,auld be s'tarted by the lender at aIrJ t::cme. '."''''''.','''' J ~ ~~~~ MS!!!:!.l~rION ''''. OR .AGE - You might be eligible .to sell or transfer Y'Jur heme tC) a buyer or'f~'t:ee who will assume th., mortgage debt. p,rovided ,that a11 the of.lts'tanding ,'~~t..s ~~~~s: and s:ttorneyl s fees and cos-ts are paid pt'ior to or at the sale and t~~:.~~!j;':!,; other requirements of the mortgage ar", satisfied. To de'termine elig:Ibi:" au must contact our office to v""rify the assumabUity of your proper.ty. :"'.'.'""'\~~ . 'fa SELL ~rHE PRO '''''1'0 OBTAIN MONEY TO PAY OFF THE MORTGAOg DEBT OR TO :BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF nus DBBT. I9J.L~ ALSO HAVE TIlE RIGHT: . 'TO HAVE TIlIS DEFAlJ:Ll' CURED BY Al-rI THIRD PARTY ACTING ON YOUR BllliALB'. . TO !lAVE TILE MORTGAGE RESTORED TO THE SAlm POSITION AS IF NO DEE'AULT HAD OCCTJRRJ;:D, n- YOU CURE ~T. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT Mo~f')'Tr.aU!:g TUmS IN ANY CALENDAR Yl;;AR.) ~$ . TO ASSERT THE !lONEXISTll:tice. OE' A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTIT"@'JJ UNDER THE MORTGAGE DOCUMElITS. Ir~~~~[:;~~ . TO ASSERT ANY OTHER DEFEN;S'J't?l:PY BELIEVE YOU 11AY !lAVE TO SUCH ACTION BY mE LENTl Ell. . !~&"",''f!'i;f,;'?'; ~~t@r.Iil~J:~:~:) . ~l'O SEEK PROTE:CTION UNDER l'HE FEDERAL BANKRUPTCY I"P.\,. :i:':"::-"~ Chase Mai1hattan M:clrtgag,e Corporation :f.s' atte.mpting to collect a. deht and any irlfoT.'Wl-tion obtained 'will be used fo.t',::i,::;h,~,t pur.po8e. Sin(:~€rely . GOVEFc.NM":trr NA'I'IONAl. MORTGAGE ASSOCIATION by ~ Co.do1 Scott Ca:stee,l L()ar~ C01..L."'1.se,lor: Chase Manha:tt.an l'r1ot'tg,ag,e Corporation :r:.fl<::. 1.0SUt'i:;: 173,1/31'28577 A. 1 ?.3!Y2t-1CD/WED .. . '. Consumet"' ~ r e ~ ~ ~ G (j~f].}~-,?J- i 1:1 ~ ^,~.g.~_[~;.;l t tlQt~f:H.-:l.it:J.,Qn To; I, nate, Name of Mortgagee; __.._..._..__._..._..__.__.~_.__.._...______ AddrH~:;s : In a.ccordanc.e with the P€:nnsyll~~ania J::!:omeo"lvne.r' is gm(~;rgenc.y M~")r.tgage Assis1.:ance Pr-ogra.m (Act 91 of 1983). we have been appro,s'ched for moet.gage CClilllS~::li~:g assistance by: Name of Appli.cant Address ___.~~'.'_"'_'_"____'.'_._~_'__ :~:;::::'''~;~''2::... ':.::;:;. Telephcne Nu.mber Mo t'tgage 'Loan Ntullbe r Address of property on which mortgage is :Ln default. if different from aDoV'e. The counseling agenc:y met w:i.-th th~~ above, na:med applicant on who hav.= mortgage. from Date indicat.?d that they j'~".;O;f!!!\?~'" than si~ty (60) days delinquent on their p,s')rments and ha.ve recM:ved _.notification of intention to foreclosure ~~~ ~B':~:::r: --"..,..~-_.._---~_.....__.__..._._..._-,_._..._-_._..,_.-.-.-.-.-.-.-.-,-....,..---.--..------.-----.-- """"."~'," "",,""":""'_"0_'_"'. , ::.':;fi;,~,~c:',_:,:"'.i!t);,::-" , ~---_._,.,_..._,_._,.._...._---_.__._._.._-- ..-.-.-.-..-...----...-...-.-.....-----...-.--.- Name and Address~of Mortgagee In ac:c.ordance witll. the HomeOv.i'ller t:_s Eruergt'.::nc:? Mor.tgage Assis-tance Prog,r::am. thi.s :l,8 t.c inform you tb,at: 1. If the delinquency cannot b/~ r(~soJ..led 1'.N':i'tl:dn the 30-day f()rbearance pexiod, as p.n.::.~tided by la".N ~ tho ;3pp1:i~:i:-!.n-t listed a.bove ma.y appl~r' to the i\-::r1.H.::y-l\larda Housing Fj.!l.i3.nce Agency fer Hc;meo......ne,z: I s E.nlB.rgf.~!.1CY Mortgag~? Assis.tancE: . 2. By a copy of this N.~)t:Lc!a.. ',,/6 are noti,f'y:Lng all ot~her TI1or.'t",gagees. if any. ':...ib.ich t1H~ :applic.'?-!,'!:1"t h,3.s :i.nd:Lc:ated as. also haviGg, a fficlctgr3.ge on the prOpl~rt,:/ :1.d.-:::,nt:i.f:i.ed .~,bc,ve, 3. It i;-:; our unde.rs1.:anding .that thf? 3()-d:::-i:l forbear-".'l.nce Pf::ct.:::,,:i ::..n .,,"'hi~:h 1}i'':::; ;'::1 r~; no'.," in en.ds on '.'___._._..........._.__..._._._._._._._._...~..._..___. '"L N<:.} 1,€:?:>a:L action t.:) 1:;:'::-1.f,,::::rcE" the ffiQ::'tgage md? ()c,cur: during .this b:iLbE'.arc.~,fl.ce- p€-~riod. unless pr'oc,\2dur~.~1 t,irne lim:it:s wet',::: nCl't met by th8 hC1:D..~o'\...-r'I.er'. ---....-, ~ ~-~~=, . - " ."~ .. !~" ,. . , " . I, VF.RTFrCATTON Joshua B. Sears, Esquire, hereby states that he is the attorney for Plaintiff in this action, that he is authorized to make this verification, and that the statements made in the foregoing Motion for Summary Judgment and Brief are true and correct to the best of his knowledge, information, and belief.. The undersigned understands that this statement herein is made suqject to the penalties of 18 Pa.C.S. 34904 relating to unsworn falsification to authorities. 1o.ll{,Qo ~~~~ Date Attorney for Plaintiff ~~ - "OOlIifSllL~wJf", " , " ,-J ~ ~\ 'J . i , 'I o c ~. -oZC1 m~Tl 7:_::cJ 2-"-1... Sf: ~~~~ :;::l.:J 2''''0 ..2;:C'1 :J>C: ~ .. . (,7)' C~~ L...., C',:::; r."'" I u" ,,.;. 0'>