The URL can be used to link to this page

Home My WebLink About00-01839 ( I NORTHWEST CONSUMER DISCOUNT, INC., Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY vs. : NO. 2000 - IPJCt : CNIL ACTION - LAW CNIL TERM THOMAS F. MYERS and NANCY L. MYERS, Defendants : MORTGAGE FORECLOSURE THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after the 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 judgement may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE TH OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 2 Liberty Avenue Carlisle, Pennsylvania 17013 Telephone (717) 249-3166 d _ - " - - "( f NORTHWEST CONSUMER DISCOUNT, INC., Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY : NO. 2000- CNIL TERM vs. : CIVIL ACTION - LAW THOMAS F. MYERS and NANCY L. MYERS, Defendants : MORTGAGE FORECLOSURE THE FOLLOWING NOTICE IS BEING PROVIDED PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C. ~1601: The undersigned attorney is attempting to collect a debt owed to the Plaintiff, and any information obtained will be used for that purpose. The amount of the debt is stated in this Complaint. Plaintiff is the creditor to who the debt is owed. Unless the Debtor, within thirty (30) days after your receipt of this notice disputes the validity of the aforesaid debt or any portion thereof owing to the Plaintiff, the undersigned attorney will assume that said debt is valid. If the Debtor notifies the undersigned attorney in writing within the said thirty (30) day period that the aforesaid debt, or any portion thereof, is disputed, the undersigned attorney shall obtain written verification of the said debt from the Plaintiff and mail same to Debtor. Upon written request by Debtor to the undersigned attorney within said thirty (30) day period, the undersigned attorney will provide Debtor with the name and address of the original creditor if different from the current creditor. KA YER AND BROWN James 1. Kayer, Esquire 4 East Liberty Avenue Carlisle PA 17013 (717) 243-7922 Attorney ID #50838 Attorney for Plaintiff '''''...."" ~, ,0 , _ ",. c" f NORTHWEST CONSUMER DISCOUNT, INC., Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY ; NO. 2000 _ 1i,9 CNIL TERM vs. : CNIL ACTION - LAW THOMAS F. MYERS and NANCY L. MYERS, Defendants : MORTGAGE FORECLOSURE COMPLAINT 1. Plaintiff, NORTHWEST CONSUMER DISCOUNT COMPANY is a Pennsylvania corporation with an address of2 Liberty Street, Warren, Pennsylvania, 16365 and with a local office at 223 Penrose Plaza, Carlisle, Pennsylvania, 17013 2. Defendant's THOMAS F. MYERS and NANCY L. MYERS, are adult individuals whose last known address is 10 East Street, Mt. Holly, P A, 17065. 3. On or about February 3,1995, the said Defendants executed and delivered a mortgage note in the amount of$12,837.09 payable to Northwest Consumer Discount Company, which note is attached hereto and marked as Exhibit "A". 4. Contemporaneously with and at the time of the execution ofthe aforesaid Mortgage Note, in order to secure payment of the same, Defendant, made, executed, and delivered to original Mortgagee, a certain real estate Mortgage which is recorded in the Recorder of Deeds Office of the within County and Commonwealth in Mortgage Book 1251, Page 58 conveying to original Mortgagee the subject premises. Said Mortgage is incorporated herein by reference. 5. The land subject to the Mortgage is: 10 East Street, Mt. Holly Springs, Pennsylvania, 17065 and is more particularly described in Exhibit "B" attached hereto. 6. The said Defendants are the real owners of the land subject to the Mortgage. )-< -. ., ~- - ( 7. The Mortgage is in default due to the fact that Mortgagor has failed to pay the installment due on June 1, 1999 and all subsequent installments thereon, and the tollowing amounts are due on the Mortgage: (a) Unpaid principal balance $ 10,071.66 (b) Interest at $3.86 per day From 6/1/99 to 2/29/00 1,054.56 (c) Life Insurance and Hazard Insurance Premiums Paid by Plaintiff 777.66 (d) Bank Fees 20.00 (e) Satisfaction Fees 14.00 (1') 5% Attorney's Commission 503.58 $ 10,884.14 · Together with interest at the per diem rate noted in (b) above after February 29, 2000 and other charges and costs to date of Sheriffs Sale. The attorney's fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and will be collected in the event of a third party purchaser at Sheriff's Sale. If the Mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged that are actually incurred by Plaintiff. 8. No judgement has been entered upon said Mortgage in any jurisdictioll. 9. Notice ofIntention to Foreclose has been sent to Defendant by Certified Mail, as required by Act 91 of the Commonwealth of Pennsylvania, on the date set forth in the true and correct copy of such notice attached as Exhibits "C" and "D". 10. Defendant's are not members of the Armed Forces of the United States of America, nor engaged in any way, which would bring him within the Soldiers and Sailors Relief Act of 1940, as amended. ~ ~ ': '" + .< ,"--- WHEREFORE, Plaintiff demands judgement in Mortgage foreclosure "IN REM" for the aforementioned total amount due together with interest at the rate of 14.51 % (per diem), together with other charges and costs including insurance premium advances incidental thereto to the date of Sheriff's Sale and for foreclosure and sale of the property within described. KA YER AND BROWN , __ " _~1 ., '~', ,. _ .' _~ ,.ow ~, - -- . ~v"...u......." ul~'-'\"I...h, ......II..u-',,1 MY~RS. THDMAS F.. ; NANCY L. lO E STREET ~rr HOLLY SPRINGS, fA 17065 2/03/95 227 P~NI\OSE PLi..CE CARLISLE, fA 17013 22(JJIJ o E ~ "" u o " c . ~ t Account No.: ate: ANNUAL FINANCe ~mo~nIFlll..n"d 'rol1lolPlymlnll YOUR PAYMENT SCHEDULE WILL BE: PERcENTAGE CHAHGf '...mo..,' 01'""" ,.... .""""', v"" ..~I l':.~~:~~~1 AMo",,"'O'"."'IN'il- 'AT! lMo.."'....un' O'.".'."\'OIlQO''''' h._. ~.", In<l ,.~ _..............10"[ 1lI...." or,..., 1M "od" will.." ~... ".11, n". m'Ot.n Ply. 1 189.33 3/09/95 ",.",,""""," ~ m..IsI.."'od.... ,.J 'oj 119 199.31 q 14.51 % $11321.84 S 12585.38 S 23907. ee (e) DeSll3.'-lA'reSAN ESTIMATE !NSURAN EAGflEE.MtNT C,.di,llil. insurane. and ",edit dlsabJlilf ,n$u'aIIee al. IIll; .ellul.od 10 oblain eredil, and will nOl 00 p,ovidell ullle>> you siQIl and agloe 10, pay Ilia add,llo,llal,;O.L @OECSlEASINGTERM no" ", PAEMIUM SIGNATURE S,n 'e C'ed" I.~e . U19.70 IJW"Wa>l1c,m:lIl 5'11"""'''''//- /_, ,..-rSillnalure,---:JTo.""" .1di"" .In,nIC'ed11L,le Me....u'ence. i<>;'e ."""o.o.~ml . IB24.Ba lfWew""'er<><lll S'Il""~'( _:.-// ",f? Non",u,,,: T -0 .l<Iinl e.edi' Disobilol~ d:.llI>Jlilvinsu'ance. YOIl may oblem p.epcOly Inwl1'nce 110lT\ ~flYDl"ItI you Wo\Il\, pT~&I.I \111: lMUI:~~Omf>any ;~ ~'!~c \0 Ilia <:I&I.I;\or. llYO\lgll\,;oll1l\c'illgooda In.&\lran,;e 110m 0' lhrougll Ilia <:IcdllOl.ll will ~ IQr a le,m 01:......0- monllls a d you will pay $ .~ ,..,., . NOTICE 0 PROPOSEO (CREOIT} INSURANCE Th.. Slgner/o) 01 thi.eo'llr~cl hereby la~c(s) nollce IlIal g.oup ",edililia losurance ,;ove.age and/or g'dUn credll ac,;;dcnl ana heallll ;ns\llance ,;overage will be applicable 101111. convect il 50 ma.ked on llli. caol.acl aod each such lypc 01 coverege will be W"llen b~; USUFE CREDIT LIFE INSWl:ANCE COMPANY SCHAUNBURG, Il 60173 "'"u"En.s......... Aa",,"., This 10lurance. :lUbJeCllo e<:ceplenco b~ llle lnsuler covers <lOly Ill" person signing 1110 'equul lor su~1\ inau.~oce. Tho amQunlol clla,ge i. indic~led 10' nClllrpO 01 C'Mil ,"su'an,;" 10 be purchased. Tile lerm 01 insu.ance will CCmmeOce eS 01 llle dale lhe ,ndebleanelS islocu"ed ~od will expire dO Ille ollgioal sd\edule4 malu,;\y dal" 01 \118 iMeblednas.s, Subiec\ IlllCCeptall,;.. by tile lnw,,,, an<1 wltlUn 30 day., llIo,e will be de(lvetcd lC ltI.c ;MUled. debtc< II- c.'U_ lihca'eollosu,ancc",o,elullydeacr;tlln lh"lOsu.ance.lolhecveololp,epaymentClrllleindebledlleJS...lcluodClrirl$uraocechelgeswill be made wlle,educ. PllOPERTYINSlifWlCE: BuyerS aglee to keeplhe properly insured 10 Sellets salis(actiol\. BuyerS may pUlcl\ase sucli in~urance through any in~UI~~crr company or agenl ollheit cII01Cll. Buye.rs arc respllllsi"ole lor o"ola'millg sucllln5WanCll.lllllW\ler, ilBUYCIs laillo kecplhe leal properlY saf'slar:lolUy insured dUling tile lorm or lhis agreeme~~ Guyers he.eby aulllori~e Soller, al Selle,'S op~oo, to pUlchase aJll' lequlleel insural\Cll. Sello. may ellher requesl (mmw,ate leim~u.rsemenl from Buyers (or me eosl 01 such illS\lraoccorlllayaddLllcin$UlaOCCPlcmiumlolhaun~idtr.alaneeolIhi5agreel\lCnlandCh"lgcinlerCSlonila.lS% per year. SoKIIIl'Y: YO~iue g,",IIg l..curi:r,"le.esl.;;-i&fl'~~-t<)TInt:.-l:U1';~1 t::1J A I : lDEASTSraErTIlTHm.lYSPRlNGSCIlIISERlI1JjDPAl7CbS flhogletlsJ6......UD.- Nan.lllillgio$ul..nCllI.L!....Cll1..- Pilp1r"'.III:hyo.op"yPl1eollryau Om.y 00 will nPI IIil... 10 par. peo~llr; 0 m~y l&J ....m 1101 b.. .0l,Ued 10 a 'eluII" 01 perlollhl llllMe. ell.rQe. "',"U"'pUOII; $lImeone buVmg Vau. h<luu ",av. s~bjecllo COOlll~on.. bo allowed 10 auu",. 1Il1 .emaind., 0111I1 mO"g~Q" 00 lne ""Qinaltel"'s. 501 yo"r ';Olll..e, documenlS 10' .IIV aadi1ia"..llOlor",allan .bout IIaOP1Vmllll, dll~ull. .IIV .e'lul/Ud rcpal'melll ill lull bel\ffO 11I1 lenudulld d~'. alld P"lIoIy",IOI ...Iuods aAd pell.WIs. FEOERAl. RESERVE BOARD H.Z I-O~N MOOEI- FORM ~\klllOlUu1 H-3-Amount Financed Itemization Model Form 1283,.09 0.00 P'em. 2.00 ","ounIFmancC(lol$ $ Pel50nal PlOp. Floaler Ins. $ Nola/yFel 2000. (10 . 461 ..0 I.U.I. $%~l'1 ':In Ot/lcr(Spccily~~ . AmOl,l<\t9(v<mto~<ru<l'{<:1.cll'l $ ?1 ()() Properly Aepc/t Fee . 0 IVI $ 165J.50 Amounlpaid 00 your accoum $ 0 00 THlolnsurancoPrem;um $ 0 on mounlpaid 10 Qlllers QO youlbehall . f).oe Aeai EslaleAppral...IFcc $ 0 O() $ 0 00 Crcr;lll AeporlFee . 0 00 S tllq 7(\ CI~I lile \r)S\llanct: l'n~mi\lm . (0, f\{\ f\tal~\i\laS\llvFl)'Fee $=-';1':1 ng TolaIOt/l'erCl1a'ge$ S 1824.89 Cre<1ilOlsatlililylllsurencePremium . 1.'. 00 RacQrdlngand $alisla;lionFces t::>!";R~ ~!l AmCunLFinaoCCll 0 (T(T P,opartylnW.fQoCflPl-emi\im $ 0-OD.-AUO(llfly'5 FileS . <;>"'t "1t Pl~I>iI\O \ir.~r.t.1l t.ha'91l. NOTE SECONOARY MORTGAGE l.OAN Thh,agrumenllfaubJecl10 IlleprovllJonl01 lhc SccClndaryMorlga~.l.<lanAc:l. . 1Ii CON5tOEAAjlON el .. loan ma~e bf l/Ie "b~.-a namod unoer 01111 ~bO\'e ~1IJce. In ~COfdanCe w~h Iha Pl/lMylyania 5econdarv, M~IlQ.;. Lean Ael. I./Ie u~,ersi~nlld ioinllr ~nd se"","IIV p"mIse Ig ~r ~ Ihe erCer el $aid Lco~... ill il> ~bo.e elliee the A,"e~nl Fia.l1ll;rlIll'IiocipaQ attove slaled logel!lcr wUh lolllCSI en lIllPild -Pnn<:tpallra.l.lllocs allhg abg.. st~led rille lAnnual Pllelnla~1 Ratll. paymenl sllaU be rna~ III conSCWlive mOlll./llr inll.1lImIfTlIS asabQ'le indi~lld.llmr being cllhe ess~ blginnmg en l./lllilatrll d~~ dale Jill" lhe lilsl rulallnllUlI aII~ eonlinurng on ~ nll1rdayel ue/lsvcu.dlngmcnlhltllllOlinl:iu_dlnglnestalcddueCalelorlhelinalinltJllmanl.hymCOISsh.1llbelolheamounlelinslallmo?lllhcwnabc.",glherwilelllehn.1llll.ll.1llllll!nlshaUbeC<lUallOlhe ~ ~_Jl ~ 1lI1C1U\ loWlll'6.l\t;loull.... \lWI~ all'! \m;I;.\lIIII:lI\ ~ II \Il\lllll\\oo at \lI\ lIc\W "'"ll! .~d w~\\QIl\ IICIl!.e ~ 1kll\Mlil,IflldU \\Ie u.1il\ \11_;'\ lla\.~ lell\.......i~~ ~~\IIi.d h",llndellCQrlh" wUh awued charges al once due arid payable. AlIIIIOCr. lees and COWL ~I> ma~ b. elIatQed aller dela~1I il ItlCfled 19 an Illemoy nOI a nlarie~ emplllyoe ell!lc leMot. II nOI pre/llblltd by law Ihe "n~e1J~od and ear:h 01 Ih"o do willve 1M .ienl and ~'lIelil el any law ol P~nnsVIv/101a 0/ any olher Sllle eUl1Ijlling prop'tlv. loai ~ porlMi~ Irom ~I.. alld ill.Y\' ~o ma~e en ..ill ellal. dO also wolve tho 'Ijlllllll inq.\$oIIO/1 ~nll to/lleOl lellie WIlllomnilllA 1II0rrlll willi lull Ilberly Ig scllllle Jam, on 11,,(, latios. Wmll~l~se 01 ClJOrlll111eOll; dg also waov. alld tllUSl io;ctar allhey may ~U leliel kom aIlapl"alSelllCoL Slay or uempUon laws ell'enllSrlvlIlia er allY Slate nOW or hele"lllr In lertD. Any jud~"'l .nl"td hlleon or any prior nott lor w/llclllhiJ nOle is in w/lolo o. in pari medi.II~ly or imrnCdial.lf. a lfnowallilall ~e seway 101 the ~aymcoI /I,rCCl ~nd 01 any IUM.MI. Which is in lIInoleel ill pOll medl.>ttlrlll immedlllcly a 10000w"I hellol, E,oh m."'r. eo....~ktt, M<lluer. Q'IW.nIO'. 1",,11 or oloer pilllV "ertlo waives noll<< 01 demMd. d.faul~ ~'el..,. aII~ IIOt;c:e el ~rol'll and non.pavmenl. an~ lolloor cenl,n's lo"llhe 11cl," hOlOal mar gIant ellltnllllil It ulens.... 01 lima wiIIloul ncuce 10 ancl w'lh\llll release ~om IlabUiIY 10 illIY oj lhClO. The ~....pIaOl:e ~v!he hglQcr h.....r 01 Illy PiI\'lOCIl~ \lafliol paym.n~ chatgC$ cr IIlC$ as hercl/l relllved.allU.d.'I"lLrnl/l'lIme.shillno'beellll.idoredilawaiverell./l.li~hLloen!creepaymwoJaIlsu~...".nlil\Slallmenl.lpulluillllolhelermJheregl,whcoiindilllh.salllCshilllboe<llllB dUD.lll 01 lhO l'Ilhl 10 Inleice .nv ollne eondl~cnsol 'lllsll'J'oom.nl. lna~rdonc' wlthltltpr<lilWOll$oJUIC.slCOl\l:liIYMorlg~l4ilukl.oJPw.nsvlva<lia.w.~elUidmqM.l.eW\daIt~"0l41oaM.IOle\lipllllct~is~WI~~odIl1U1CU<\<1o'W,!\od. PllUal werllS ctlnl~incd m Ihe nUllWU be ctII\Sil~ed in lha sin~ular as llle egnLtxl may lequire and mo ctlnslr~elion, Yilidily and ellcel heroo! shall be ~OI'Ofn.d Irf lhe law~ el POnllllIYln~. AIIpa1111lnl> Jl\ildl h...eon sbil~ bll/lplica l~sllO inle'co! 10 dalt 01 palmlnl anC IIle remaindlrlhln 10 p(inCipilL . SECURI1Y AGREEMENT Ihilloan am In ellulr luffIS due undo'lM Nole, Ih. MOrLga~1 alllllh~ S.,;umy Apfll~mClll Ire seCll'e~ by 1 mOll;a;' en rc"l ellale de$Crllle~ ~cJow (the "PlllllillfJ. whlcll5Uurily il\le'llt mar allcel aller....qulfCll PIO~IIlY In the 101m II SutI~UMt il~ssiolll,~~da'llA"im.o<ovcmtnlsana "pairs Ig IIIe Prcrniso, ",,0 Ih~ ,ell'S il<ld prellls trom '110 Plomt... InO "'nQ."",~l.iQn (>>"0"''''' U ii"Y. Tnis MlIIllIagewl~<:o'''IoI"..~m.ad.'oOcr'oWtrbvL.nd'', . ADORES!; J G E,1.f;T SrnEF3 crrYORMUNr~rPAUT'VM" J-,lnll v ~DRT'II'lQ "'OUNT'Vr.!!Ml'l~!;>! l>~rn ~T.^TFPl> 17('1.... ZIP ~t"".. /Ias llle flghllO 1Pli1r Ihe lIIo&oCli5 or andllli Illy .dliOdJ 01 unCl}ne~ premiums el insw"nce lioan,'~ cr loqllile~ hlleund'll. ll:Ic paywei\l ellhe unp.i<l balance 01 BOllow,!'; iIlllebled~.:;s, SEtUIIU~~(: te$eCuleUICpa~~ll!\lIisi<lOll...\Ii(.lII~~~idI<lCiCb1\lwIltl\.lIWJtZll\l M\~~.ll>1\\Q\lM~dIlt~ml~ \Mllm,\M~lg~ZlldIl\'~\l1iI1A;1ttmt!\\,.M.ijlVJl\l\\l1t\Q.~\O Barrcw:er by Ltnd.r,lIor\cwer t1Cre\r; ~"nls Ie Len~er a lWlrilr inl"'" uMot lht pennlvlvania lI~ilorlll Commllcial Co~, In lhe ple~OfIY ~osorille~ balow. . . TllIlolIowlOG dlKrlbt<l mcllll v.hiolc\sllogOlo.r wilh I~ .,ocssi..l, IIldlll.....lOlorOVfIllMIS aod repaiIJ. MAKE" COLOR" SER'AL NO. l100V STYLE MOOEL'VEAR OTHER 'CE:NT'F'C;,o."'ON " A" BCllcwers o.Ual".lll9O<ls .',Yl:ry ~ind IIOW 1(N;~led in 0' ~boullhO bg,ldwols ~,emiies al thu aa~ross aOGve S1aloa as pOlmilled b~ Slal, and lCdorallawl, 0' ~lln~ aad,,"110 whiClls.cb prepolly maV bl hClealler remG~'c. REAL ESTATE LOCATED AT:10 EAST STREET HT HOLLY SPRINGS PA 17065 Ollie. p,opcny now owned by OOHowcrs as lollllwj aod lll,aled allhe abllvo adll.CSS, unless lIlherw'$o ,nd,caloll. ~;~~~~~~l~re~~~llale.al speclliell above arc also {;OVC, Cd; nowcvar .Ih,s 5hall 001 be COflslruelllll mean Illallhc Lendar consents 10 any sale 01 a.ny ~~~~~I~;~~~~~~~~~T~~ri'E~~~~~~~ll~~~~~~~~~g ~~~~~~~~~~~~:N"c~:HE REVERSE StoEHEl'IEOF kREJ.,PkRTGF T\1E I ACKNOWl.EDGE RECEIVING A COMPL.e:'rEL V FIl.LED-1N COPY OF THiS CONTRACT ON TME_ DA Tf OF TMIS LOAN ANO OBTAINING OISCl..~SURE OF T 5 OF THt:.l..QAN PRIOR 'iG CONSUMMATION OF THE lOMI "tAANSt\CTION "to W\1ICK IT ...",lI\T:.5 :"WlTN 0 h havehelcun\o.ellheirh~nll~~~'~~~"""""'ISEAl.; ."..."",...", "...". /,"11'-)"" :,~. ,111f"'"'""".' ""','" ~EA" ............................................................(SEAL) ...................<.......................................ISEALl NOTiCE: SlOE REVEASe SIDE FOR JMPORTANT INFORMATION AEV,3J&3 ,< " '" 1 z " , qiQl~r~ E-t .. ~ ~ 0 ~ t.l p.. tIl H ~ "" tIltll <Xi <Xi <Xi ~~ I~ ;:s ~~ ~ e ~~ ~ 8~ *-+ & 0 1><>-- E-tt.l Q t.l tIl tIl~ ~ ~ ~z ii1 0 ~ :I: E-t SE '0 > lI'l '" 0 ..... .... E-t "" ...: [;j Po< E-t tIl tIl '" Z E-t H tIl ~ 00 ...: '" "" tIl .... 0 ~ .... H <i> .. g .. " a .. ~ .~ 0 ~ ~ It . , al ] MORTGAGE THIS MORTGAGE ("Security Instrument") is given on .......f.J!:.~)W~..L~................................"......... , 19 .9.~.... . The mortgagor is ....:J:RO'~..EWK..m':e:M..MW..I'IM'!CX..l.J;;~..mJ;;RS....................................... ..................................................... ("Borrower"). This Security Instrument is given to .J'lQR'l1l.\'mll'J:..C9l'Is.UMER .....D:LS.COJll'/'J:..COMP.MY...........................".."........................................... , which is organized and existing under the laws of ....C.OMMQNw.EALTH..OE'..P.EN.NSX:LVANJ:A..... , and whose address is 227..l'ENRO.SE..ElACE...... "..... . CARLI SLE. . J!A. .17.013..............."...."."..................."......................".............................. (' 'Lender' '). Borrower owes Lender the principal sum of ...Ml.v:~..:J:nQ1J:Sm..~J.GR1:..aT)mnU;l;>..:J:R:r.Rl'X..llJ;;VJ::N..P.O.LJ..MS. .....ANll...tU;I'IE..C:BN1:&................ Dollars (U.S. $ ..12.837...0.9.........). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ("Note"), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on .......E~al1MY..9......2.QQ~....................................... . This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of a11 other sums, with interest, advanced under paragraph 7 to protect the security of this Security Instrument: and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender the following described property located in .....................C.T)ffi}!l~...................""................................................ County, Pennsylvania: BRIEF LEGAL DESCRIPTION ALL THAT CERTAIN PROPERTY SITUATED IN THE BOROUGH OF MT. HOLLY SPRINGS IN THE COUNTY OF CUMBERLAND AND COMMONWEALTH OF PENNSYLVANIA, BEING MORE FULLY DESCRIBED IN A DEED DATED 09/26/89 AND RECORDED 09/29/89, AMONG THE LAND RECORDS OF THE COUNTY AND STATE SET FORTH ABOVE, IN DEED VOLUME 34E AND PAGE 888. TAX MAP OR PARCEL ID NO. 2332-2336-112 ADDRESS: 10 EAST ST. to c.n . '"T\ n'l ;:::; ...... N .0 .... &OoK1251 PAGE 58 PENNSYLVANIA-Single Family-fannle Mae/fl8ddle Mac UNIFORM INSTRUMENT . . (") c: 3:: ~:.! ..~1 OJ c; c; ~ 0 r~ p'-' ['1 1- :::0 :;':1 ...,.. 0 ::.. rl .--t t::J ;U :';J o C) I'~ o"TJ- Co rn z",'" -1m;':; -< 0 -r. 1 en'- -0 ~ ~ ~ Form 3039 9/90 X (page I 0[6 pages) ,\ f I ( I 22. Release. Upon payment of all sums secured by this Security Instrument, this Security Instrument and the estate conveyed shall terminate and become void. After such occurrence, Lender shall discharge and satisfy this Security Instrument without charge to Borrower. Borrower shall pay any recordation costs. 23. Waivers. Borrower, to the extent permitted by applicable law, waives and releases any error or defects in pro" ccedings to enforce this Security Instrument, and hereby waives the benefit of any present or future laws providing for stay of execution. extension of time, exemption from attachment, levy and sale, and homestead exemption. 24.' Reinstatement Period. Borrower's time to reinstate provided in paragraph 18 shall extend to one hour prior to the commencement of bidding at a sheriff's sale or other sale pursuant to this Security Instrument. 25. Purchase Money Mortgage. If any of the debt secured by this SecUrity Instrument is lent to Borrower to acquire title to the Property, this Security Instrument shall be a purchase money mortgage. 26. Interest Rate After Judgment. Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note" 27. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agreements of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements oftms Security Instrument as if the rider(s) were a part of this Security Instrument. [Check applicable box(es)] D D D D Other(s) [specify] Adjustable Rate Rider Graduated Payment Rider Balloon Rider D D D Planned Unit Development Rider Condominium Rider D D D 1-4 Family Rider Biweekly Payment Rider Second Home Rider Rate Improvement Rider BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. wilfsses:" . /l ~:~~.~...".....~... 0+~!)~..~V...... ~~.~~;~~~~~ Social Security Number......................"..".........:....."..... .....tI.~........i..:~...../(/~....................(Seal) I 0..... -Borrower Social Security Number.. ......................... .............."""... COMMONWEALTH OF I'ENNSYLV ANIA, .................C.r:?.r!1.($..~.~~rJ........................ County ss: 0" On this, the .......?..,~.?........ day of .....~..@..!J.~:t..................... , 19 .J;C, before me/ViG.1!..~f..~....i),.. \..'i.?,A:!-,.~t.""~............. the undersigned officer, personally appeared ~l\&.Ittl...E~~..........:r.~..$......:1..~!>.... ..,1(.ti:.'!(,~.:r......\,,~....M..:(,.~).............................................................................................. known to me (or satisfactorily proven) to be the person .~..... whose name ?....~..... subscribed to the within instrument and acknowledged that, .......:J.!:!.?::t.......... executed the same for the purposes herein contained. """. .>~ .. " :: ~r~~1\ IN WITNESS WHEREOF, I hereunto set my hand and official seal. My Commission expires: Notarial Seal " . Charies D. Gallagher, NOlaJyPublic ,,/ B ~"I-~ . _"'" McScrlisle Borc, CEumberiaJnd County ...............;....Ly..O.r.~r. ..... ........k..L~;.'~:._...~~ .~ y ommlSSlon xplres uly 9, 1998 Title of Officer " "'" Memller. PennsylvaniaAssociallon of Notades . I certify that the precise place of business of the within named Mortgagee is ...22Z...EENll.OS.E..:P.LACE............ .................................CARLJ... .. .SLE..:P.A...l.7.01.3..............................~......... ......................................~.. ........................... '. .~ t ........................ . .' ,,: ~ ,!,.~\., . L-U :',~\"~ItYf..'fI!!!!.<tc t, . ............~.......................... ........... ...................................... <.;. .""~...._",. 0 Co ~ h:>rAi~ ~..." ,:, .,..' ,,', .... . II '-'~ ~",. ,. .. " . : '.i .... ..,' _.i>~. ." ~~. . eyOffi. ce for RecordmgofDeeds m ~r ..............~...... .....................77...... J;.... .......... .. .-:~~:'"~ .' ,. --" . .......... " in I!IIo . ".. "- ...... ..... No. ......................... Page. .. .................. ~ . ~.' "-. ...:;,~qt~ ;'t' . "Sp,,~ ,'!,.~..al.\j,1.'5.......... Recorder ..................................................................... ..~.. ~- ~:: '~~. . V'~-".. (;7................. , -' ~ . .1';0' I -, .!' 't , .J. -, \,.., aooK1251~' fi3 :,J Fonn 3039 9/90 X (page 6 of6 pages) " . . ' uate: ;,1..../ ~~ lJlrpJC -i ACT 91 NOTICE ',~kE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortaaae on your home is in default and the lender Int.ends to foreclose. SDecific information about the nature of the default is orovided in the attached caoes. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAPl may be able to helD to save your home. This Notice exolains how the Dr09ram wo~ To see if H.EMAP can helD. you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this notice with you when yOU meet with the"Counselina Aoencv. The name, address and ohone number of Consumer Credit Counselina Aaencies servlna your County are listed at the end of this Notice. If vou have anv auestions. you mav call the Pennsvlvania Houslna Fina.nce ADenev toll free at 1-800- 342-2397. (Persons wUh ImDaired hearina can call (717\ 780-186Q\. This Notice contains important legal information. If you have any questions~ representatives at the Consumer Credit Counseling Agency may be abl.e to help explain it. You may also want to contact an attorney In your area. The local bar association may be able to help you find a lawyer. LA NOT/F/CAC/ON EN ADJUNTO ES OE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIA SU HIPOTECA. HOMEOWNER'S NAME(S): Thomas. F. & Nancv I,. MYers PROPERTY ADDRESS: 10 F.aA.t Sf:.. MI::. Hnl1,y S'Drin2s. LOAN ACCT. NO.: 220111 ORIGINAL lENDER: Northwest Consumer D1scount (;0. CU"RRENT LENDERlSERVICER: Northwest ConsU1'lM!r Discount Co. Pa. 17065 HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: . IF YOUA DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL. . IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS,AND . IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE-Under the Act. you are entitled to a temporary stay. of foreclosure on your. mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-ta-face" meeting with one of the consum.er credit counseling 'agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (30\ DAYS.1FYOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCF.: VOll MUST B.RINGYOUR MORTGAGF lIP TO DATE THE PART OF THIS NOTICE CALLED "HOW TO CURE YOllR MORTGAGE DEFAULT" I'XPI AINS HOW TO BRING YOUR MORTGAGE UP TO DATE CONSUMER CREDIT COUNSELING AGENCIES-If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names addresses and teleohone nllmbers of rlp'!1;innated consumer credit cOlln!1;p-lino aoencies for the countv in which the Droop-rtv is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediatelv of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE-Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU Ml!JIT FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PAOCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION-Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of Its decision application. NOTE:1F YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have flied bankruptcy you can stili apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Brina it UD to date.l NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property Iccated at: .LO Ei'"Sl: :n:.. fit;. tlO~.LY 3-prmgs, l"a. .1/uo.;) IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: . Hay, 1999; June, 1999; July, 1999; Angus~. 1999 Other charges (explain/itemize): re~ed check fee: Ji20.00 TOTAL AMOUNT PAST DUE" $817 .210 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not aDolieahle): 't'\""r ." .,,"~~_."..,,' ~"""',r~~_ /~?~cpp-'> ACT 91 N"OlICE ~iAKE ACTION TO'SAVE YOUR HOME FROM FORECLOSURE ' uate: :n 0-1-';' This is an official notice that the mar-tnaae on vour home is in default. and the lender Intends to foreclose SDecific information about !he nature 01 the default is orovided in the attached oaoes. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP\ may be 'ab.le to helo to save vour home. This Notice exolsins how the OTooram works. To see if HEMAP can helD vou must MEET WITH A CONSUMER CREDIT COU.NSELlNG AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOT-ICE. Take this notice with vou when you meet with the Counselina Aaencv. Th'a-name address and ohonenumber of Consumer'Credit Counsellna Aoencies servin9 vour County are listed at the end of this Notice. If vou havE! anv auestions. vou maY can the Pennsvlvania Housina Finance Aqencv toll free at 1..800- 342-2:397, [Persons with imriaired hearina can call (717) 780-1S69\. :; This Notice contains important legal information. 11 you have any questions, representatives at the Consumer Credit'Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawy~r. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIEN DO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRlaA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DF LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. ~ HOMEOWNER'S NAME(S): Thoma';:" F. & Nancy L. llyers PROPERTY ADDRESS: 120r1~. .. . Hr. Holl" Snrin.s. Pa. 17D65 LOAN ACCT. NO.: ORIGINAL LENDER: Northve.st Consumer DiSCQtmt Co. CURRENT LENDERlSERVICER: Northwest Consumer Discount Co. 'I HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM I YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IFYOU COMPLY WITH THE PROVISIONS OFTHE HOMEOWNER'S EMERG~NCY MORTGAGE ASSiStANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE AS~ISTANCE: . IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL. 3 . . IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND , . IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY TIjE PENNSYLVANIA HOUSING FINANCE AGENCY. . ,TE~PORARY STAY OF FORECLOSURE-Under the Act, you are:entitled t01a temporary stay of foreclosure on your mortgage - '. for thirty (30) days, from the date of this Notice. During that time yo;u must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling'agencies listed at the end of thi~ Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT 1301 DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE" THE PART OF THIS NOTICF CAII"ED "HOW TO CURF ""OUR MORTGAGE DEFAlILT" EXPI AINS HOW TO BRING YOllR MORTGAGE liP TO DATE. " " CONSUMER CREDIT COUNSELING AGENCIES-If you meet with one of the c;onsumer credit cO,u'nseling agencies listed at the end of this notice, the lender may NOT-take action against you for thirty (30) days after the date (H this meeting. The names addre!';ses and t~rA'nhnne number!'> 9f desionated consumer credit cOl/aselino aoencies for the count" in which the orooedv is located are set forth at the end of this Notice It is only necessary to schedule one face-to-face meeting. Advise your lender im!TIerliatelv, of your intentions, ~PpLlCATION-FC;>-R MORTGAGE ASSISTANCE-Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so,' you must fill out, sign and file a completed Homeowner's Emergency Assist~nce ~rogratn Application with one of the designated consumer credit counseling agencies listed at the end 01 this Notice. Only consumer credit counseling agendes have applications for the program and they will assist you in submitting a complete application to the Pennsylvania. Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU Ml!lIT FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. . AGF.NCY ACTION-Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania H9usin9 Finance Agency has sixty (60) days to make a decision af ". receives your application, During that time, no foreclosure proceedings will be pursued against you if you have met the e-"f irements set forth above. You will be notified directly by the Pennsylvania Housing .Finance Agency of its decis' on YOUf pplication, NOTE: I~ YOU ARE CURRENTLY PROTECTED BY THE FILING OF A .PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emerg~ncy Mortgage Assistance.) ./ / OF THE E at t. t. 0 Y pr ga, a. IS SERIOUSLY IN DEFAULT because: . (." A. YOU HAVE NOT MADE MONTHLY MdilTGAGE PAYMENTS fOf the fc,!Jowing months and the following amounts are now past due: Hay, 1999; June, 1999; July, 1999; Auguat; 1999 HOW TO Cl1REYOUR MORTGAGE DEFAULT fBrina it uo to date,l ULT-The MORTG~GE debt held by the abov~..:~nder on your property located at: Other charges lexplainJitemize):"te.t.umea. c:nec.1t :tee.; 420.uO TOTAL AMOUNT PAST DUE '817 "24 B, YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not us!'! if n~t aoolicable): HEMA RtWo.S, page 1 7/99 ,~~~~~,..- -' " = - - - , .""') . , . . VERIFICATION OF PLEADINGS The foregoing document is based upon information which has been gathered by my counsel and myself in the preparation of this action. The language of the document may, in part, be the language of my counsel and not my own. I have read the statements made in this document and to the extent that it is based upon information which I have given to my counsel, it is true and correct to the best of my knowledge, information and belief. To the extent that the contents of the statements are that of counsel, I have relied upon counsel in making this Verification. I understand that false statements herein are made subject to the penalties of 18 P A. .S. s 4904, relating to unsworn falsification to authorities. Date: I-a-o ~ .- _.~- -". " .,,-,-,- " -- -. ( ..~ CASE NO: 2000-01839 P SHERIFF'S RETURN - REGULAR COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND NORTHWEST CONSUMER DISCOUNT IN VS MYERS THOMAS F ET AL CPL. TIMOTHY REITZ , Sheriff or Deputy Sheriff of Cumberland County, Pensylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon MYERS THOMAS F the DEFENDANT , at 0020:06 HOURS, on the 4th day of April , 2000 at 10 EAST STREET MT HOLLY, PA 17065 by handing to THOMAS F. MYERS 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 3.10 .00 10.00 .00 31.10 r"~~-(:~~ R. Thomas Kline me this J/ ~ day of 04/05/2000 KAYER & BRO~ ~ - ---:: By: .. 7 ~eri< f Sworn and Subscribed to before ~ (2(nJO A.D. q.t(. (l )'hd). -. ~~ othonotary \c:J - 0'; SHERIFF'S RETURN - REGULAR I" .~ CASE NO: 2000-01839 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND NORTHWEST CONSUMER DISCOUNT IN VS MYERS THOMAS F ET AL CPL. TIMOTHY REITZ , Sheriff or Deputy Sheriff of Cumberland County, Pensylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon MYERS NANCY L the DEFENDANT , at 0020:06 HOURS, on the 4th day of April 2000 at 10 EAST STREET MT HOLLY, PA 17065 by handing to THOMAS F. MYERS 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 6.00 .00 .00 10.00 .00 16.00 So A;;~~~ R. Thomas Kline me this / I (b.< day of 04/05/2000 KAYER , BROWN ~ By: Z;:. - -:~ v dSherif Sworn and Subscribed to before ~~ ~ A.D. qr;L-(;- ~ '$ti r thonotary , -. ~ . NORTHWEST CONSUMER DISCOUNT, INC., Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY : NO. 2000 - 1839 CIVIL TERM vs. : CNIL ACTION - LAW THOMAS F. MYERS and NANCY L. MYERS, Defendants : MORTGAGE FORECLOSURE PRAECIPE TO ENTER JUDGEMENT BY DEFAULT To: Thomas and Nancy Myers 10 East Street Mt. Holly, P A 17065 Date of Notice: May 8, 2000 YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FOR THE AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGEMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOUMA Y LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOUR SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 2 Liberty Avenue Carlisle, Pennsylvania 17013 Telephone (717) 249-3166 ,;'\~ . ".,