HomeMy WebLinkAbout00-01871
MARK J. UDREN & ASSOCIATES
BY: Mark J. Udren, Esquire
ATTY I.D. NO. 04302
1040 N. KINGS HIGHWAY, SUITE 500
CHERRY HILL, NJ 08034
856-482-6900
ATTORNEY FOR PLAINTIFF
Chase Bank of Texas, N.A.
4708 Mercantile Drive N.
Fort Worth, TX 76137-3605
Plaintiff
. COURT OF COMMON PLEAS
: CIVIL DIVISION
; Cumberland County
v.
John C. Stremmel
Mary J. Stremmel
978 Pinetown Road
Lewisberry, PA 17339
Defendant(s)
: NO. Co - /P7/
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COMPLAINT IN MORTGAGE FORECLOSURE
yOU HAVE BEEN SUED IN COURT. If you wish to defend against the
claims set forth in the following pages, you must take action
within twenty (20) days after this Complaint and Notice are served,
by entering a written appearance personally or by attorney and
filing in writing with the Court your defenses or objections to the
claims set forth against you. You are warned that if you fail to
do so the case may proceed without you and a judgment may be
entered against you by the Court without further notice for any
money claimed in the Complaint or for any other claim or relief
requested by the Plaintiff. You may lose money or property or
other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR 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.
LAWYERS REFERRAL SERVICE
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013-3387
717-249-3166 or 800-990-9108
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AVISO
Le han demandado a usted en la corte. Si usted quiere defenderse
de estasdemandas expuestas en las paginas siguientes, usted tiene
veinte (20) dias de plazo al partir de la fecha de la demanda y la
notificacion. Hace falta ascentar una comparencia escrita 0 en
persona 0 con un abogado y entregar a la corte en forma escrita sus
defensas 0 sus objeciones alas demandas en contra de su persona.
Sea avisado que si usted no se dafiende, la corte tomara medidas y
puede continuar la demanda en contra suya sin previo aviso 0
notificacion. Ademas, la corte puede decidir a favor del
demandante y requiere que usted cumpla con todas las provisiones de
esta demanda. Usted puede perder dinero 0 sus propiedades u .otros
derechos import antes para usted.
LLEVE ESTA DEMAlmA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO
o SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN
PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE
ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONnE SE PUEDE CONSEGUIR
ASISTENCIA LEGAL.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, P A 17013-3387
717-249-3166 or 800-990-9108
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NOTICE
The amount of your debt is as stated in the attached document. The name of the creditor
to whom the debt is owed is as named in the attached document. Unless you notify us within
30 days after receipt of this Notice and the attached document that the validity of the stated
debt, or any portion ofit, is disputed, we will assume that the debt is valid. If you do notify us
in writing of a dispute within the 30 day period, we will obtain verification of the debt or a
copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an
admission of liability on your part. Also, upon your written request within the 30 day period,
we will provide you with the name and address of the original creditor if different from the
current creditor.
If you notify us in writing within the 30 day period as stated above, we will cease collection
of your debt, or any disputed portion of it, until we obtain the information that is required
and mail it to you. Once we have mailed to you the required information, we will then
continue the collection of your debt.
This law fIrm is deemed to be a debt collector and this Notice and the attached document is
an attempt to collect a debt, and any information obtained will be used for t1hat purpose.
LAW OFFICES OF MARK J. UDREN
Isl Mark J. Udren, Esquire
1040 N. Kings Highway, Suite 500
Cherry Hill, NJ 08034
(856) 482-6900
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1. Plaintiff is the Corporation designated as such in the
caption on a preceding page. If Plaintiff is an assignee then it
is such by virtue of the following recorded assignments:
Assignor: Saxon Mortgage, Inc.
Assignments of Record to: Chase Bank of Texas, N.A.
Recording Date: 3/26/98 Book: 572 Page: 24
2. Defendant(s) is the individual designated as such on the
caption on a preceding page, whose last known address is as set
forth in the caption, and unless designated otherwise, is the real
owner(s) and mortgagor(s) of the premises being foreclosed.
3. On or about the date appearing on the Mortgage
hereinafter described, at the instance and request of Defendant(s),
Plaintiff (or its predecessor, hereinafter called Plaintiff) loaned
to the Defendant (s) the sum appearing on said Mortgage,
which
Mortgage was executed and delivered to Plaintiff as security for
the indebtedness.
Said Mortgage is incorporated herein by
reference in accordance with Pa,.R.C.P. 1019 (g).
The information regarding the Mortgage being foreclosed is as
follows:
MORTGAGED PREMISES: 400-402 South York Street
MUNICIPALITY/TOWNSHIP/BOROUGH: Borough of Mechanicsburg
COUNTY: Cumberland
DATE EXECUTED: 3/16/98
DATE RECORDED: 3/26/98 BOOK: 1440 PAGE: 863
The legal description of the mortgaged premises is attached hereto
and made part hereof.
4. Said Mortgage is in default because the required payments
have not been made as set forth below, and by its terms, upon
breach and failure to cure said breach after notice, all sums
secured by said Mortgage, together with other charges authorized by
said Mortgage itemized below, shall be immediately due.
5. After demand, the Defendant (s) continues to fail or
refuses to comply with the terms of the Note as follows:
(a) by failing or refusing to pay the installments of
principal and interest when due in the amounts indicated
below;
(b) by failing or refusing to pay other charges, if any,
indicated below.
6. The following amounts are due on the said Mortgage as of
2/15/00:
Principal of debt due and unpaid
Interest at 8.87%
from 10/1/99
to 2/15/00
(the per diem interest accruing on
this debt is $17.29 and that sum
should be added each day after
2/15/00)
$71,117.72
2,386.34
Title Report
Court Costs (anticipated, excluding
Sheriff's Sale costs)
250.00
280.00
Escrow Overdraft/(Balance)
(The monthly escrow on this account
is $84.87 and that sum should
be added on the first of each
month after 2/15/00)
(1,066.03)
Late Charges
(monthly late charge of $37.76
should be added on the fifteenth of
each month after 2/15/00)
113.28
Other Fees
150.00
NSF Fees
25.00
Attorneys Fees (anticipated and actual
to 5% of principal)
3.555.89
TOTAL
$76,812.20
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7. The attorney's fee 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 in accordance with the reduction
provisions of Act 6, if applicable.
8. The combined notice specified by the Pennsylvania
Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983
and Notice of Intention to Foreclose under Act 6 of 1974 has been
sent to each defendant, via certified and regular mail, accordance
with the requirements of those acts, and the date appearing on the
copy attached hereto as exhibit A, and made part hereof, and
defendants have failed to proceed within the time limits, or has
been determined ineligible, or Plaintiff has not been notified in
a timely manner of Defendant(s) eligibility.
WHEREFORE, the Plaintiff demands judgment, in rem, against
the Defendant(s) herein in the sum of $76,812.20, plus interest,
costs and attorneys fees as more fully set forth in the Complaint,
and for foreclosure and sale of the Mort
Mark . Udren, ESQUIRE
MARK .UDREN & ASSOCIATES
Attorney for Plaintiff
Attorney I.D. No. 04302
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ALL THAT CERTAIN LOT OF GIlOlIND' SJ:!rl1A!l'E ON !rIlE WEST SJ:DE OF SOIP.rH YOllX STlIEET
J:N !rIIB nrrH WARD OF !rIlE BOROtJ'GH OF MECKANICSlItlltG, COtIN!rY OF Ctl!IlBERLAND AND
STATB OF PENNSYLVANIA, BOUNDED AND DBSCElXBED AS FOz.z.owS, TO mT:
BEGJ:NNJ:NG A CORNEll OF SOIP.rH YOllX AND WEST COOVER STlIEETS; THENCE BY SA:[])
SOIP.rH YOllX STlIEB!r, SOU!rIIWARD SEVEN['!' (70) FEET !l'O CORNBR OF LOT NO. 47;
!rHENCI!l BY SAID LO'l', WES!rNl\1Ul ONE HUNDRED AND EIGHTEEN (118) Fl\lBT', MOllE OR
LBSS. TO A!rWBN'rY (20) FOOT PUBI.IC ALLEY; THENCE BY SAID ALLBY. NOR'rIml\lU)
BIGH!rr (80) li'BBT TO WBST COOVER STlIEB!r; THBNCE BY SAID STlIEET. EAS!rWARIl ONE
HUNDRED AND !rWBN'rY-ONE (121) FEET, MOllE OR LESS, TO !rHE PLACB OF BEGINNJ:NG.
BBING LOTS NOS. 43 AND 45 OF !rIlE GBNJ!lllAL PLAN AS Mld)B BY TIlE HEIRS OF JOHN
COVER, DBCEASED.
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January 12,2000
DATE:
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
This is an official notice that the mortgage on your home is in default, and the lender
intends to foreclose. Specific information about the nature of the default is provided in the
attached p~s. .
The HOMEOWNER'S MORTGAGR ASSIST ANCR PROGRAM (JIRMAP) mllY be able
to help to save your home. This Notice explains how the program works. '
To see ifRRMAP can help, yon must MERT WITH A CONSUMER CREDIT
COUNSELING AGENCY WITHIN 30 DAYS OF TRR DATE OF THIS NOTTCE. Take
this Notice with you when you meet with the Counseling AgIlJl\CY,
The nllm~ llddress and phone number of Consumer Credit Counseling Agencies serving
your County aTe listed at the end of this Notice. Uyou have any questions, you may call the
Pennsylvania Housing Finance Agency toll free at 1-800-342-2397. (persons with impaired
hearing can call (717) 780-1869).
This Notice contains important legal information. If you have any questions,
representatives at the Consumer Credit Counseling Agency may be able to help explain it.
You may also want to contact an attorney in your area. The local bar association may be able
to help you find a lawyer.
LA NOTTFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU
DERECHO A CONTINUAR VlVIENDO EN SU CASA. SI NO COMPRENDE EL
CONTENDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION
INMEDITAMENTE LLAMANDO ESTA AGENCIA (pENNSYLVANIA HOUSING
FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES
SER ELEGffiLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO
"HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL
PUEDE SALVAR SU CASA DE LA PERDIDA DEL DEIJ,CHO 1i'\.~ Suul
HIPOTECA. Page 1 of 6 C_, I:X~~~I~__~~
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HOMEOWNER'S NAME(S):
.I0HN C STRRMMEL...,_._..__~,._,._,____
MARY.I. STRRMMRL
400-402 SOlJTH YORK STRRET
MRCHANICSRURG, PA 17055
0100139R7
SAXON MORTGAGE, INC.
SAXON MORTGAGE, INC
PROPERTY ADDRESS:
LOAN ACCT. NO.:
ORIGINAL LENDER:
CURRENT LENDER:
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAYBE ELIGml,E FOR FINANCIAl. ASSISTANCE
WHICH CAN SAVE YOUR HOME FROM FORECT.OSIJRE 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
ELIGffiLE FOR EMERGENCY MORTGAGE ASSISTANCE:
. IF YOUR DEFAULT HAS BEEN CAUSED BY CmCUMSTANCES BEYOND YOUR
CONTROL,
. IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR
MORTGAGE PAYMENTS, AND
.
IF YOU MEET OTHER ELIGmiLITY REQUIREMENTS ESTABLISHED BY THE
PENNSYL VANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE Under the Act, you are entitled to a temporary stay
offoreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time
you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling
agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN Tim
NEXT (30) DAYS. IF YOTJDO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE,
YOU MUST BRING YOUR MORTGAGE UP TO DATE THE PA~T OF THIS NOTICE
CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING
YOUR MORTGAGE tJP TO DATE
CONSUMER CREDIT COUNSELING AGENCTRS - 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, .nnre.qReR and telephone nllmherR
of deRigTIated consumer credit counseling agencies for the county in which the property is located
are set forth atthe end of this Notice. It is only necessary to schedule one face-to-face meeting.
Advise your lender immediately of your intentions. '
APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the
reasons set forth later in this Notice (see following pages for specific information about the nature
of your default.) , If you have tried and are unable to resolve this problem with the lender, you have
the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance,
Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency
Assistance Program Application with one of the designated 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 MUST FUE YOUR APPLICATION PROMPfL Y. IF YOU FAIL TO DO SO OR IF YOU
DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN TIDS LETTER,
FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR
APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED.
Page 2 of6
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AGEKCYAC.TION - Available funds for emergency mortgage assistance are very limited. They will be
disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing
Finance Agency has sixty (60) days to make a decision after it receives your application. During that time,
no foreclosure proceedings will be pursued against you if you have met the time requirements set forth
above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your
application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN
BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION
PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO
COLLECT THE DEBT.
(If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.)
HOW TO CURE YOUR MORTGAGEDEFAUL T (Bring it up to date).
NA TURF. OF TlIR nEF AUT,T - The MORTGAGE debt held by the above lender on your property located
at: 400-402 South York Street
Mechanicsburg, PA 17055
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:
Montbly P"Yments of $840.00 for November, 1999 tbrollgb .Jannary, 2000 = $2,520.00
Monthly' .ate Charges of $37.76 for November, 1999 tbrollgb December, 1999 = $75.52
Other charges (explain/itemize): Deferred ',ate Charge = $..17.76
Otber Fee = $50.00
NSF Cbarge = $25.00
TOTAL AMOUNT PAST DUE:
$2,708.28
B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use jf not applicable):
N/A
HOW TO CURE THF. DEF AUT ,T - You may cure the default within TIIIRTY (30) DAYS of the date of
this notice BY PAYING THI!; TOTAL AMOUNT PAST DUE TO THE LENDER, WInCH IS $ 2,708.28 , PLUS
ANY MORTGAGE PAYMENTS AND LATE CHARGES WInCH BECOME DUE DURING THE TIllRTY (30)
DAY PERIOD. Payn1f~ntq mURt he manf'l either h.y caqh, c:l~hlP.r'R check certified check or money order rmuip.'payahle
and Roent to~
Mark .J. Udren & Associates
1040 N. Kings Highw"Y, SlIite 500
Cherry Hill, N.J 08034
You can cure any other default by taking the following action within TIIIRTY (30) DAYS of the date of
this letter: (Do not use if not applicable)
N/A
W YOU no NOT CURE THE DEFAUI.T -- If you do not cure the default within TIIIRTY (30) DAYS
of the date of this Notice, theJender intends to exercise its rights to accelerate the mortgage deht. This
means that the entire outstanding balance of this debt will be considered due immediately and you may lose
the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not
made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to
foreclose upon YOIlt:..mnrtgagellproperty.
Page 3 of6
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lE,THE,M.oRTGAGEJS F.oRECLOSED. UPON - The mortgaged property will be sold by the Sheriff
to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency
before the lender begins legal proceedings against you, you will still be required to pay the reasonable
attorney's fees that were actually incurred, up to $50.00. However, iflegal proceedings are started against
you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed,
$50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other
reasonable costs. Ifyou cure the default:withinJhe TlITRTY (30) DAY period, yOIl will not be required
to...pa)' attorney's fees.
.oTHER I.F.NllER REMEDffiS - The lender may also sue you personally for the unpaid principal balance
and all other sums due under the mortgage. If your debt has been discharged in bankruptcy without your
having reaffirmed it, then lender cannot pursue this remedy.
FIGHT TO CURE TIm. DEFAill,TPRIOR TO SRRRIFF'SSAI,E If you have not cured the default
within the TIllRTY (30) DAY period and foreclosure proceedings have begun, you RlilI have the right to cure
the..defauIt and prevent the .ale at any time 11.}) to one hour hefore the Sheriff's Sale. You may do '0 hy
paJling the total amount then past due, plu. any late or other "hR1:gp" then due, reasonahle attorney's fee. ann
costs connecten with the foredo.ure sale ann any other co.ts connected with the Sheriff's Sale as specified
in writing hythe lenner ann hy performing any other requirement. "uner the mortga~. Curing your defalilt
in the manner set forth in this notice will restore your mortgage to the same position as if you had
never defaulted.
EARUEST POSSffiI.E sm.RIFF'S SAI,E DATE It is estimated that the earliest date that such a
Sheriff's Sale of the mortgaged property could be held would be approximately 6 months from
the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale.
Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any
time exactly what the required payment or action will be by contacting the lender.
flOW TO com ACT TIm. I,ENDER:
Name ofI.ender/Servicer:
Address:
Meritech Mortgage Services, Inc.
One Ridgemar Center
6500 West Freeway, Suite 400
Fort Worth, TX 76116
800/874-9516
N/A
Customer Service Department
Phone Numher:
Fax Number:
Contact Person:
1i:FFECT OF SRRRIFF'S SAI,E You should realize that a Sheriff's Sale will end your ownership of the
mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's
Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at
any time.
ASSUMPTION OF MORTGAGE - You _ mayor ...x..-. may not (CHECK ONE) sell or transfer your
home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding
payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements
of the mortgage are satisfied.
Page 4 of6
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NOTICE
The amount of your debt is as stated in the attached document. The name of the creditor
to whom the debt is owed is as named in the attached document. Unless you notify us within
30 clays after receipt of this Notice and the attached document that the validity of the stated
debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us
in writing of a dispute within the 30 day period, we will obtain verification of the debt or a
copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an
admission of liability on your part. Also, upon your written request within the 30 day period,
we will provide you with the name and address of the original creditor if different from the
current ereditor.
If you notify us in writing within the 30 day period as stated above, we will cease collection
of your debt, or any disputed portion of it, until we obtain the information that is required
and mail it to you. Once we have mailed to you the required information, we will then
continue the collection of your debt.
This law firm is deemed to be a debt collector and this Notice and the attached document is
an attempt to collect a debt, and any information obtained will be used for !that purpose.
LAW OFFICES OF MARK J. UDREN
Isf Mark J. Udren, Esquire
1040 N. Kings Highway, Suite 500
Cherry Hill, NJ 08034
(609) 482~6900
Page 5 of6'
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YOlI MAY AI,S.QJIAYE TH"R RIGHT;
. TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR
TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSmON AS IF NO DEFAULT
HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS
RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR
YEAR.)
. TO ASSERT THE NONEXISTENCE OF ADEF AULT IN ANY FORECLOSURE PROCEEDING
OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS,
. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION
BY THE LENDER.
. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSIlMER CREDIT COlJNSEUNG AG"RNCIES SERVING YOUR COUNTY
(Fill in a ll.t 0/ all Counselill/f A.gencie..ll.ted in A.."J1endix C, FOR THE COUNTY in which the
property l. located. using additional pages if nece....ary)
CIIMRRRI,AND COlJN1'V
CCCS of Western Pennsylvania, Inc.
2000 Linglestown Road
Harrisburg, PA 17102
(717) 541-1757
FAX (717) 541-4670
YWCA of Carlisle
301 G Street
Carlisle, PA 17013
(717) 243-3818
FAX (717) 731-9589
Financial Counseling Services of Franldin
31 West 3rd Street
Waynesboro, PA 17268
(717) 762-3285
Community Action Comm of the Capital Region
1514 Derry Street
Harrisburg, PA 17104
(717) 232-9757
FAX (717) 234-2227
Urban League of Metropolitan Harrisburg
N. 6th Street
Harrisburg, PA 1710l
(717) 234-5925
FAX (717) 234-9459
Adams County Housing Authority
139-143 Carlisle St.
Gettysburg, P A 17325
(717) 334-1518
FAX (717) 334-8326
Page 6 of6
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RETURN RECEIPT REQUESTED adjacent 10 the number,"
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V E R I F I CAT ION
Mark J. Udren, Esquire, hereby states that he is the attorney
for the Plaintiff, a corporation unless designated otherwise; that
he is authorized to take this Verification and does so because of
the exigencies regarding this matter, and because Plaintiff must
verify much of the information through agents, and because he has
personal knowledge of some of the facts averred in the foregoing
pleading; and that the statements made in the foregoing pleading
are true and correct to the best of his knowledge, information and
belief and the source of his informati'on is public records and
reports of Plaintiff's agents. The undersigned understands that
this statement herein is made subject to the penalties of 18
Pa.C.S. Section 4904 relating to unsworn falsification to
authorities.
Mark
MARK
dren, ESQUIRE
UDREN & ASSOCIATES
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SHERIFF'S RETURN - NOT FOUND
CASE NO: .2000-01871 P
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
CHASE BANK OF TEXAS NA
VS
STREMMEL JOHN C ET AL
R. Thomas Kline
,Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named defendant, DEFENDANT
STREMMEL JOHN C
but was
unable to locate Him in his bailiwick. He therefore returns the
COMPLA1NT - MORT FORE
NOTICE
, NOT FOUND , as to
the within named DEFENDANT
, STREMMEL JOHN C
DEFENDANT NO LONGER RESIDES IN CUMBERLAND COUNTY
RETURN NOT FOUND AS PER ATTY
Sheriff's Costs:
Docketing
Service
NOT FOUND RETURN
Surcharge
.00
6.20
5.00
.00
.00
11.20
~
' v
R. ' hornas Kl ine
Sheriff of Cumberland County
MARK J. UDREN
04/24/2000
Sworn and subscribed to before me
day of ~
.D.
~d-
r-, . ~ '--~'~',
'"
SHERIFF'S RETURN - NOT FOUND
CASE NO: 2000-01871 P
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
CHASE BANK OF TEXAS NA
VS
STREMMEL JOHN C ET AL
R. Thomas Kline
,Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named defendant, DEFENDANT
STEMMEL MARY J
but was
unable to locate Her in his bailiwick. He therefore returns the
COMPLAINT - MORT FORE
NOTICE
, NOT FOUND , as to
the within named DEFENDANT
, STEMMEL MARY J
DEFENDANT NO LONGER RESIDES IN CUMBERLAND
COUNTY, RETURN NOT FOUND AS PER ATTY.
Sheriff's Costs:
Docketing
Service
NOT FOUND RETURN
Surcharge
.00
.00
5.00
.00
.00
5.00
, --=
R. Thom;~ Kline ' ,
Sheriff of Cumberland County
MARK J. UDREN
04/24/2000
this J..GtR..
dcn--V
.
Sworn and subscribed to before me
day of ~
, r' '" ~,
-
.
SHERIFF'S RETURN - OUT OF COUNTY
CASE NO: 2000-01871 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CHASE BANK OF TEXAS NA
VS
STREMMEL JOHN C ET AL
R. Thomas Kline
, Sheriff or Deputy Sheriff who being
duly sworn according to law, says, that he made a diligent search and
and inquiry for the within named DEFENDANT
, to wit:
STREMMEL JOHN C
but was unable to locate Him
in his bailiwick. He therefore
deputized the sheriff of YORK
County, Pennsylvania, to
serve the within COMPLAINT - MORT FORE
On April
24th , 2000 , this office was in receipt of the
attached return from YORK
Sheriff's Costs:
Docketing
Out of County
Surcharge
DEP. YORK CO
18.00
9.00
10.00
39.05
.00
76.05
04/24/2000
MARK J. UDREN
~ ~
R. Thomas Kl ine '
Sheriff of Cumberland County
Sworn and subscribed to before
this JJo~ day of 11 i7.J
~l1A .
,~;::to':::;;~
~V
me
SHERIFF'S RETURN - OUT OF COUNTY
CASE NO: 2000-01871 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CHASE BANK OF TEXAS NA
VS
STREMMEL JOHN C ET AL
R. Thomas Kline
, Sheriff or Deputy Sheriff who being
duly sworn according to law, says, that he made a diligent search and
and inquiry for the within named DEFENDANT
, to wit:
STEMMEL MARY J
but was unable to locate Her
in his bailiwick. He therefore
deputized the sheriff of YORK
County, Pennsylvania, to
serve the within COMPLAINT - MORT FORE
On April
24th , 2000 , this office was in receipt of the
attached return from YORK
Sheriff's Costs:
Docketing 6.00
Out of County .00
Surcharge 10.00
.00 County
.00
16.00
04/24/2000
MARK J. UDREN
Sworn and subscribed to before me
this ~~[c... day of Il. (if
j"'{'
~o-vIJJ.DA r
~,~~,
~?J
',:i!l
COUNTY OF YORK
(lor2)
OFFICE OF THE SHERIFF
SERVICE CALL
(717) 771-9601
28 EAST MARKET ST.. YORK. PA 17401
-- , ----- -
SHERIFF SERVICE INSTRUCTIONS
PLEASE TYPE ONLY LINES 1 TO 12
PROCESS RECEIPT, and AFFIDAVIT OF RETURN DO NOT DETACH ANY COPIES.
1, PLAINTlFFISI 2. COURT NUMBER ?()u,l "71 ri Hi 1
Chase Bank of T-exas , N.A. 4. TYPE OF WRIT OR COMPLAINT
. Notice & Complaint in
3. DEFENDANT/S!
John C. Stremmel" et. al. Mortgage Foreclosure
SERVE 5. NAME OF INDIVIDUAL, COMPANY, CORPORATION, Etc. TO SERVE OR DESCRIPTION OF PROPERTY TO BE leVIED. ATTACHED. OR SOLD.
. John C. Stremmel -
6. ADDRESS (STREET OR RFO WITH BOX NUMBER, APT NO.. CITY, BORO. lWP., STATE AND ZIP CODE
AT 978 Pinetown Road, Lewisberry, PA 17339 '" ,
7. INDICATE SERVICE: a PERSONAL " PERSON ''',CH~IlGE. n__ dbEPU!lz.cum laeEIiIr~ol o 1sr_~s '~AlL o P9~TED Q OTHeR
NOW .J/,',>j/1J1J19
York COUNTYtoexe"ut
to law. This deputation being made atlhe request and risk of the plaintiff.
8. SPECIAL INSTRUCTIONS OR OTHER INFORMATION THAT WILL ASSIST IN EXPEDITING SERVICE:
sheriff of
o rding
Cumbecland
C:..J
OUT OF COUNTY
COMBEBIJ\ND
;i"!
~ ,--;:
( ~) ...-"
.. '0:> ~ ~
.-,;" ~ .~" .",. #--"- -,,'- ....-.
,,""~-fJ'. . " - ---:
NOTE ONLY APPLICABLE ON WRIT OF EXECUTION: N.S. WAIVER OF WATCHMAN" Any deputy sheriff levying upon or attaching any property undf["~~thin w'!'!t may [eave
same without a watchman, In custody of whomever Is found In possession, after notifyIng person of levy or attachment, without liability on the part of such deputy CST the- sheriff !o any
plaintiff herein for any loss, destruction, or removal of any property b~fore sheriff's sale thereof. ,-" :----::..;
9. TYPE NAME AND ADDRESS of ATTORNEY/ORIGINATOR and SIGNATURE 10. TELEPHONE NUMBr,~ 11. DATE FILED
Mark J. Udren, Esq. ,','
104Q.~. Kin s Hi hwa , Ste. 500, Cher.ryHill, NJ 08034 (856) 482-6900' 3/27/00
12. SEND NOTICE OF SERVICE COPY TO NAME AND ADDRESS BELOW: (This area must be completed if notice is to be mailed).
Cumbetland County Sheriff
",",c ' SPACE BELOW FOR USE OF THE SHERIFF ONLY - DO NOT WRIT!; .BELQW THIS LINE
SIGNATURE OF AUTHORIZED CLERK 14 Date Received 15. ExpirationlHearlng Date
J. Ludwig 3/30/00
ADVANCE FEE PAID BY ATTY
13. I acknowledge receipt of the writ
or complaint as indicated above.
4/26/00
16. HOW SERVED: PERSONAL
RESIOENCE ( )
POSTED (
POE
OTHER ( )
SE_E REMARKS
turn a NOT FOUND because I am unable to locale the individual, company, corporation, etc, named above.
INDIY. UAL SERVED I LIST ADDRESS HERE IF NOT SHOWN ABOVE (Relationship to Defendant)
~
41.AF IRMEDand~lil~thi"
MEUSSA J, SHA,FFER.1IIotaiy Public
42,da of City' dl.~WYork Caun " '
mlss~ lJ,n :<:pI 96
44. Signature of
. h r'Fr
45. Signatwe of York
J~~!l'gree(l,Chief Deput for
S_Q AN5.WER.
48.
4/17/00
lie 46. Signature of Foreign
MY C MIS N EXPI I L&:) Goun Sheriff
50.1 ACKNOWLEDGE RECEIPT OF THE SHERIFF'S RETURN SIGNATURE
OF AUTHORIZEO ISSUING AUTHORITY AND TITLE
1. WHITE" Issuing Authority 2. PINK. Attorney 3. CANARY - Sheriff's Office 4. BLUE - Sheriff's Office
u.
49. Dale
43.
51. Dale Received
""'~D~~1:lrvblK~C ""
~-----,..,-------,-------------------------------
11 ~;2)
OFFICE OF THE SHERIFF
.'
SERVICE CALL
(717) 771-9601
"-~-
2B E!\STMARK1OT ST.. YORK. Pi( 17401
INSTRUCTIONS
PLEASE TYPE ONLY LINES 1 TO 12
DO NOT DETACH ANY COPIES.
2, COURT NUMBER 2 0 _ 1 7
4. TYPE OF WRIT OR COMPLAINT
N0ti~e & Complaint in
C. Stremmel, et. al. ~ortgage Foreclosure
5. NAME OF lND1V1DUAL, COMPANY, CORPORAJ10N, ETC. m .SERVE OR DESCRfPTlbN OF-~ROJ5!:FtrY TO BE" LEVIED. ATTACHED, OR SOLD.
John C. Stremmel
6. ADDRESS (STREET OR RFO WITH BOX NUMBER, APT NO., CITY, BORD, TWP" STATE AND ZIP CODE
978 Pinetown Road, Lewisberry, PA 17339
o..PEftSONIN-CH GE .. 1$:puTlZEt:'um .fl:L~ _0 1ST ciA$s MAIL _ QPOsTe:D. O_OTHER
, 'Ul_LStlEilIFfOF_~~~QYNTV.J~A. do he....~ d-"putlze the sheriff of
,~~OrK CQUNTY,to execute this Writ and make return thereof according
to law. Th!~ deputation being made at the request and risk of the plaintiff. ~E~JFF _ OF y~~f~ UWTY
,S. SPEClAllliMTRUCTIONS OR OTHER INFORMATION ntAT WILL ASSIST IN EXPE(jITING SERVICE: ~- C umbe i-+.an-d
,:'t.r; 1'l ~".
", SHERIFF SERVICE _.
!ROCESS RECEIPT, an~ AFFIDAVIT OF RETURN "
" PlAINTIFF"1Si
, Y ,
C~ase Bank of Texa~,
3. DEFENDAffiISl
.John
N.A.
SERve
.
AT
~7. INmCATE
NOW
..
C:)
00'l' OIl' CDllNTY
~
=
~ FEE PAID BY ATTY
c....)
'....
._. ___ _ -::z.. _ _ __. _" _.1- _ ____ ___m___ _ _ ___:....,..,
NQ-TE ONLV APPLICABLE ON WRIT OF EXECUTION: N.B. WA~- A OF WA1CHMAN. Any deputy sheriff levying upon or attaching any property under within writ may leave
same without ~ watchi'lJan, in custody of whomever is found !n pass , ion, after notifying person of levy or attachment, withoulliability on the part of such deputy or the sheriff 10 any
plalntfff herein jar any loss, destructfon, !=lr r'e!l1ovaT of any propertY .efore she!jff's sare thereof. ; ___ _ '
9. TYll::r~D'~~;O'tur~NEVfORI~INATOR and SIGNAliJRE_." ; _; ___--_ _. ~ _ - ____un: 10. ~PHONE N~~BEA-
lOi1o...lt. . s Hi hwq !?te,' '500,Cher.rY.frill,~1f8OJJ:-~,;,z~..~ (856:lc>482:-6900
12- S~;~,'" . "I: OF ~t;RYI~,c9pV Tq NAME,,~lJ. ACOAE_55 BELO.W: (ThlQ area- mu~t completed If n Ice Is .to~II~_
land County Sheritr "
~~ ~, .
11. DATE FILED
3/27/00
..~ :'':'''';';1,-5:_ , _~. _,
13.1 acknowl~~ receipt of the writ::--' ,.-,
or 6o...n'lpl~as indic:ated above.
16,HOW ~.Fu: PffiSONAL
17.9 her .fy-ftl'ld'
Ll'
.- . ~
'.-"'1. j [ SIGNATURE OF AllT1--fO I
J. Ludwig
___ I'oSlEb( )
----
14. Date Received
3/30/00
INE
15. Expiration/Hearing Date
4/26/00
) SEE REMARKS
PoE
VATTE
22.REMARKS;
<'f ~S)
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35.95
4O:~tOueorAefund
43.
Deputy, for / /. '
. CI~ I/~
?
47,~ tel 00
48. Date
4/17/00
-?~,
49. Date
51. Date Received
4. aWE ~ Sheriff's Office
I
~
COUNTY OF YORK
(2 of. 21
OFFICE OF THE SHERIFF
SERVICE CALL
(717) 771-9601
28 EAST MARKET ST,. YORK. PA 17401
SHERIFF SERVICE INSTRUCTIONS
PLEASE TYPE ONLY LINES 1 TO 12
PROCESS RECEIPT, and AFFIDAVIT OF RETURN DO NOT DETACH ANY COPIES.
1. PLAlNTIFFlS/ 2. COURT NUMBER ::>0.,' R71 ",,,' 1
Chase Bank of Texas, N.A. 4. TYPE OF WRIT OR COMPLAINT
3, DEFENDAlITISI Notice & Complaint in
John C. Stremmel, et. al. Mortgage Foreclosure
SERVE { 5, NAME OF INDIVIDUAL. COMPANY. CORPORATION, ETC, TO SERVE OR DESCRIPTION OF PROPERTY TO BE LEVIED. ATTACHED. OR SOLD,
~ Mary J. Stremmel
....".....- 6. ADDRESS (STREET OR RFD WITH BOX NUMBER, APT NO., CITY, BOAD, TWP., STATE AND ZIP CODE
AT 978 Pinetown Road Lewisberry, PA 17339
7, INDICATE SERVICE: a PERSONAL a PERSON IN CHARGE EPUTlZE C uml:a!lln-J.ooLd
NOW '1/?q /00 1Q _I, SHERIFF OF)VX)J!l)( COUNTY,
Vnrk .co.UIII]Y t~e,x"cl!te .
to law. This deputatIon beIng made at the request and rIsk of the plaintiff.
8. SPECIAL INSTRUCTIONS OR OTHER INFORMATION THAT WILL ASSIST IN EXPEDmNG SERVlC :
a p:OSTED 0 OTHER
e sheriff of
ording
;y
Cumbe:rland'
:::::.:.:.J _-"~'
OUT OF COUNT(-,)
CUMBEPJ.J\ND ',j
-0
-,
'-
.~ ----
NOTE ONLY APPUCABLE ON WRIT OF EXECUTION: N.S. WAIVER OF WATCHMAN. Any deputy sheriff levying upon or attaching any .property urtcie'r withIn w~ ~ay leave
same without a watchman, In custody of whomever Is found In possessIon, after notifying person of levy or attachment, without liability on Ihe part of SUC? Prputy or th~ pheriff 10 any
plaintiff hereIn for any loss, destruction, or removal of any property before sheriff's sale thereof. N
9. TYPE NAME AND ADDRESS of ATTORNEY/ORIGINATOR and SIGNATURE 10. TELEPHONE NUMBER 11. DATE FILED
Mark J. Udren, Esq.
12. SEND NOnCE OF SERVICE COPY TO NAME AND ADDRESS BELOW: (This area must be completed if notice is to be mailed).
CUmberland County Sheriff
~ '''ii'''''' , SPACE BELOW FOR USE OF THE SHERIFF ONLY ~DO fJCTWFilTEEIELOW THIS LINE
SIGNATURE OF AUTHORIZED CLERK 14. oa1e Received 15. Expiration/Hearing Date
J. Lutlwig 3/30/00 4/26/00
13.1 acknowJedge receipt of the writ
or complalnl as Indicated above.
16,HOW SERlIED: PERSONAL~
RESIDENCE ()4,.
POSTED (
POEt )
SHERIFFS OFF ( )
OTHER ( )
SEE REMARKS
22. REMAR
41.AF
7th 44. ignature of
,-
2000 45. Signature of York
JJl\\'Im som\.green,
e
47. Date
48. Date
Chief Dep
Sheriff
4/17/00
49. Date
51. Dale Received
4. BLUE - Sheriff's Office
(2 c42)
F-:-
.- _"'~"""'Il._"'i'''~ . ;?;~--':J_.~-~_
COUNT'/' di= YD8I< "
OFFICE OF THE SHERIFF
28 ~MARKET'W.. YORK. PA 174(}1
J..' -
:ii
"
SERVICE CALL
(717) 771-%01
~
f'
,
-~
:~
, ,
, . ,
SHERIFF SERVICE
""'h ", '
f'ROCESS F!ECEIPT, and-AFFIDAVIT OF RETURN
INSTRUCTIONS
PLEASE TYPE ONLY LINES 1 TO 12
DO NOT DETACH ANY COPIES.
1. PLAINTIFFl:W . ~
Chase Bank of Texas,
N../l..
2. COURT NUMBER ~1
4. TYPE OF WRfT OR COMPLAINT
-NotIce & Complaint in
Mortgage Fore~losure
-noN. El'C. ro-SERVJ:: dA D.ESCRIPtION OF ~ROPERTY TO B LEVIED, ATTA HED. R OLD,
i
; 1
3. DEFEND
,fohn C. StremmeL et; al.
SERVIi ~{ 5, NAME OF INDIVIDUAL. COMPANY. OR 0
. -'- Marv J. srremme'_
_ ~,'__ 6. ADDRESS (STREET OR RFD WITH BOX NUMBEA',APT NO" CITY, BORO. lWP., STATE AND ZIP CQOE
AT -~ 978 Plnet own Road , Lewisberry. PA 17339
.7.It!QICATE~V1CE: o PERSONAL ~-pERSON.I~gHARGE EPOl1ZE tUrof:a!lriJran.l'1'- Q1STCLASSMAlL OPOSTEO o OTHER
NOW '/". or. :~j9"::""'-J,~Hr;}'ll.FOF~)tJCQ.lINTt.,g!" rJi !\e'1iby cJ!,pulizetl1li!lIierr _ Ql "
t~ Ynrk "c-Q!JJ~T'L!QJ!j!;~.c.ut~,!hlsWrltJm!;l roj.l<.!lr~~.9t!t,<;!iordlna..._~
t~ law. ~!$-deputatlon being made at the request and risk of the_ PI_alntiff. _ SHERIFF -~F- - ~}fW~l:IJ-"~.lw1
8. SPECIAL ~!rrRUCTIONS OR OTHER INFORMATioN THAT WILL ASSIST IN EXPEDmNG SERVICE, '-~'i",q1i':flan.d
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NOTE ONLY APPLICABLE ON WRIT OF EXECUTION: N.S. WAIveR QF WAtcHMAN. Any dep~ty sheriff levying UPO~ or attaching ;my' ~-rOperty un~; withIn ~it -n)ay leave
same withoufa:watchman, in custody of whomever Is found In posSessIon, after notifying person of levy or attachment. without liability on the part of such ?eputy or tlie sheriff 10 any
plaintiff hereIn f~r any Joss, destruction, -or removal of any property before sh~rfrf's sale -thereof. -., I ( , , . ,
.9. TYPE NA~~~ND AD_ RESS of ATTORNEY/ORIGINATOR. ~nd STGNADJAE:f . 10. TELEPHONE NUMBER -11. DATE FILED
Hark,", Udren, Esq. " "
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12: SEND N ~ _, ~E OF SERVICE COPY TO NAME AND A[jOaES~ B~l-OW: (ThIs ~~ mU8~ be compreted if ni?tlce Is to ~ malledl.
~l<ind county Sheriff" "..'" ' .i'; , .', . .cd"
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f,:';"~!' C B L.Q FQRU E..O THE HOE
13.1 acknowl~~ receipt of the writ SIGNAiUAE OF AOiIi""""O 15. ExpfrationIHearing Date
or.~rnplainfaslndicat~.above. J. Luclwig -.- 4/26/00
16,HOWSE~ED' PERSOflAl \.4... RESIDENCE ()<t POSTED( j "POE () , 'SHERJfPt OFFJ. ) ,,",' OTHER ( ) SEE REMARKS
17.0 I hareh ----'-<-certify and return a NOT FOUND because I am unable t locale: th~ iiidiviQuaJ, company, corporation, etc, niun~ above. (Sea remarks below.)
1 ~ 0 DIVIOUAL E ED I UST ADDREss ;RE IF NOT SHOWN AB"o1Je (Relationship to Defendant)
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17th 44. Signature of
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Counly _nff
James vangreen,
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48. Date
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42. day of ',;, 11 ' '. "
Chief .Dep\..\t;y for ,; /
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49. Date
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51. Date Received
4. BLUE ~ Sheriff's Office
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HAlUC J .;~EN & ':~~t:~~lO;~rh~"~~i~~~
BY: Hark J. Udren, Esquire
A'l'TY I.D. NO. 04302
1040 N. KINGS HIGHWAY, SUITE 500
CHERRY HILL, NJ 08034
856-482-6900
ATTORNEY FOR PLAINTIFF
Chase Bank of Texas; N.A.
4708 Mercantile Drive N.
Fort Worth, TX 76137-~605
Plaintiff
. COURT OF COMMON PLEAS
: CIVIL DIVISION
: CUmberland County
v.
John C. Stremmel
Mary J. Stremmel
978 pinetown Road
Lewisberry, PA 17339
Defendant(s)
.
: NO. 00 - JP7(
CUl('r~
COMPLAINT IN MORTGAGE FORECLOSURE
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 persona'lly or by attorney and
filing in writing with the Court your defenses or objections to the
claims set forth against you. You are warned that if you fail to
do so the case may proceed .without you and a judgment may be
entered against you by the Court without further notice for any
money claimed in the Complaint or for any other claim or relief
requested by the Plaintiff. You may lose money or property or
other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR 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.
LAWYERS REFERRAL SERVICE
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013-3387
717-249-3166 or 800-990-9108
"
.tRUE COpy, F1R()14~RD
in r$$!ffflOftY ~rnirlt!!f~.Itiere~;. hand
f _'fsald '''It'C lialC: Pa. \
ana ne", ,\ , ' .,
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'nOtary
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AVISO
Le han demandado a usted en la corte. si usted quiere defenderse
de estas demandas expuestas en las paginas siguientes, usted tiene
veinte (20) dias de plazo al partir de la fecha de la demanda y la
notificacion. Hace falta ascentar una comparencia escrita 0 en
persona 0 con un abogado y entregar a la corte en forma escrita sus
defensas 0 sus objeciones alas demandas en contra de su persona.
Sea avisado que si usted no se dafiende, la corte tomara medidas y ,
puede continuar la demanda en contra suya sin previa aviso 0
notificacion. Ademas, la corte puede decidir a favor del
demandante y requiere que usted cumpla con todas las provisiones de
esta demanda. Usted puede perder dinero 0 sus propiedades u otros
derechos importantes para usted.
LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO
o SI NO TIENE EL DINERO StJFICIENTE DE PAGAR TAL SERVICIO, VAYA EN
PlllRSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE
, .
~CtJENTRA ESCRITA ABAJO PARA AVER~GtJAR DONDE SE PtJEDE CONSEGtJIR
ASISTENCIA LEGAL.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, P A 17013-3387
717-24973166 or 800-990-9108
-i:j
NOTICE
The amount of your debt is as stated in the attached document. The name of the creditor
to whom the debt is owed is as named in the attached document. Unless you notify us within
30 days after receipt ofthis Notice and the attached document that the validity of the stated
debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us
in writing of a dispute within the 30 day period, we will obtain verification of the debt or a
, copy of a judgment against you, and mall it to you. If you do not dispute the debt, it is not an
admission of liability on your part. Also, upon your written request within the 30 day period,
we will provide you with the name and address of the original creditor if different from the
current creditor.
If you notify us in writing within the 30 day period as stated above, we will cease collection
of your debt, or any disputed portion of it, until we obtain the information that is required
and mail it to you. Once we have mailed to you the required information, we will then
continue the collection of your debt.
This law firm is deemed to be a debt collector and this Notice and the attached document is
.
an attempt to collect a debt, and any iilformation obtained will be used for that purpose.
LAW OFFICES OF MARK J. UDREN
Isl Mark J. Udren, Esquire
1040 N. Kings Highway, Suite 500
Cherry Hill, NJ 08034
(856) 482-6900
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1. Plaintiff ,is the Corporation designated as such in the
caption on a preceding page. If Plaintiff is an assignee then it
is such by virtue of the following recorded assignments:
Assignor: Saxon Mortgage, Inc.
Assignments of Record to: Chase Bank of Texas, N.A.
Recording Date: 3/26/98 Book: 572 Page: 24
2. Defendant (s)is the individual designated as such on the
caption on a preceding page, whose last known address is as set
forth in the caption, and unless designated otherwise, is the real
owner(s) and mortgagor(s) of the premises being foreclosed.
3. On or about the date appearing on the Mortgage
hereinafter described, at the inst~ce and request of Defendant(s),
Plaintiff (or its predecessor, hereinafter called Plaintiff) loaned
to the Defendant (s) the sum appearing on said Mortgage,
which
Mortgage was ~xecuted and delivered to Plaintiff as security for
, .
the indebtedness.
Said Mortgage is incorporated herein by
reference in accordance with Pa,.R.C.P. 1019 (g).
The information regarding the Mortgage being foreclosed is as
follows:
MORTGAGED PREMISES: 400-402 South York Street
MUNICIPALITY/TOWNSHIP/BOROUGH: Borough of Mechanicsburg
COUNTY: Cwnberland
DATE EXECUTED: 3/16/98
DATE RECORDED: 3/26/98 BOOK: 1440 PAGE: 863
The legal description of the mortgaged premises is attached hereto
and made part hereof.
4. Said Mortgage is in default because the required payments
have 'not been made as set forth below, and by its terms, upon
breach and failure to cure said breach after notice, all sums
-,,,<! .~
secured by said Mortgage, together with other charges authorized by
said Mortgage itemized below, shall be immediately due.
5. After demand, the Defendant (s) continues to fail or
refuses to comply with the terms of the Note as follows:
(a) by failing or refusing to pay the installments of
principal and interest when due in the amounts indicated
below;
(b) by failing or refusing to pay other charges, if any,
indicated below.
6. The following amounts are due on the said Mortgage as of
I 2/15/00:
'Principal of debt due and unpaid
Interest at 8.87%
from 10/1/99
to 2/15/00 '
(the per diem interest accruing on
this debt is $17.29 and that sum
should be added each d~y after
2/15/00)
$71,117.72
2,386.34
Title Report
Court Costs (anticipated, excluding
Sheriff's Sale costs)
Escrow OVerdraft/(Balance)
(The monthly escrow on this account
is $84.87 and that sum should
be added on the first 9f each
month after 2/15/00)
250.00
280.00
(1,066.03)
Late Charges
(monthly late charge of $37.76
should be added on the fifteenth of
each month after 2/15/00)
113.28
Other Fees
150.00
NSF Fees
25.00
Attorneys Fees (anticipated and actual
to 5% of principal)
TOTAL
3.555.89
$76,812.20
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7. The attorney's fee 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 in accordance with the reduction
provisions of Act 6, if applicable.
8. The combined notice specified by the Pennsylvania
Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983
and Notice of Intention to Foreclose under Act 6 of 1974 has been
sent to .each defendant, via certified and regular mail, accordance
with the 'requirements of those acts, and the date appearing on the
copy attached hereto as exhibit ,A, and made part hereof, and
defendants have failed to proceed within the time limits, or has
been determined ineligible, or Plaintiff has not been notified in
a timely manner of Defendant(s) eligibility.
WHEREFORE, the Plaintiff demands judgment, in rem, against
the Defendant(s) herein in the sum of $76,812.20, plus interest,
costs and attorneys fees as more fully set
and for foreclosure and sale of the Mort
forth in the Complaint,
ddses.
Mark Udren, ESQUIRE
MARKUDREN & ASSOCIATES
Attorney for Plaintiff
Attorney I.D. No. 04302
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ALL lrHAlr a:reMrN :t.o:r OF GROtmD. SJ:!l'UATE ON !rIlE W!:s:r SJ:DlI OF SOVlffi YOllK SlrlU!:l!::r
IN lrllJ!: Frr.l!H WA1lD OF lrHE BOROUGH OF MI!:CIll\NZCSBtlRG, COtlN!l?r OF CUMBlIIlLANl) AND
S= OF I1ENN=VAN:IA, BOtmD!:D AND DlISClU:B!:D AS FOLLOWS, lrO WXlr:
BEG:INNXNG A COBNER OF SOU'J!H YOllK AND WES:r COOVER STl\l!:I!:lrS; :rHENC!: BY SAJD
SOU'J!H YONt S:rllJ!:l!::r, SOll'J!lD'llUU) S!:VJ!:N'J!% (70) l!'l!:!:ir :ro CoI\N!:R OF LOlr NO. 47;
:rHl!:NCl!: BY SAJD LOir, WES'l!WARD 0Nl!. HUNDlIED AND !:rGH~ (118) FElIir, MOIl!: OR
LESS, irO A ~ (20) FOOT I?1m[.J:C AJ:iLF.Y; !rllENCl!: BY SAJD ALLlIY, NOR'rHWlUlD
lIJ:GHiI!Y (80) F!:!:T irO m:Slr COOV!:R S:rBE!:lr; THl!:NCI!\ BY SAJ:D S'.I!l\E!:ir, J!:AS'l!WA1lD 0Nl!l
HlJNDE<E:D AND ~-ONl!: (121) E'I!:!:'J!, NOIl!: OR LESS. lrO !rIlE I1LAC!: OF B!:GJ:NNJ:NG.
B!:J:NG LOTS NOS. 43 AND 45 OF !rIlE Gl!:NERAL PLAN AS NN:ll!: BY = HEJ:RS OF JOlIN
COVER, DECl!:AS!:D.
January 12, 2000
DATE:
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
This is an official notice that the mortgAge on your home is in default, and the lender
intends to foredose. Sp"cifi.. information ahout the nature ofth" default is provided in the
attached pajpls. .
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (JIEMAP) may be ahle
to help to save your home. This Notice explains how the program works. '
To see ifHF.MAP can help, youmust MEET WITH A CONSUMER CRRDIT
COUNSEI,ING AGENCY WITHIN 30 DA VS OF THF. DATE OF THIS NOTICE. Ta~e
this "Notice with you when you meet with the Counseling AgI!nqr.
The name, address and phone numher of fonsumer Credit Counseling AgIlncies serving
y""r County are listed at the end of this Notice. If you have,any questions, you may call the
Pennsylvania Housing Finance Agl!nqr toll free at 1-800-342-2397. (persons with impaired
hearing ..an call (711) 780-1869).
This Notice contains important legal information. If you have any questions,
representatives at the Consumer Credit Counseling Agency may be able to help explain it.
V ou may also want to contact an attorney in yoUr area. The local bar association may be able
to help you find a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SOMA IMPORTANCIA, PUES AFECTA SU
DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL
CONTENDO DE ESTA NOTIFlCACION OBTENGA UNA TRADUCCION
INMEDITAMENTE LLAMANDO ESTA AGENCIA (pENNSYLVANIA HOUSING
FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES
SERELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO
"HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL
PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECJ\O.A .~IMIR SUl
HlPOTECA. Page 1 of6 . EXI"!~~I~__~~
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HOMEOWNER'S NAME(S): ,JOHN C..5TREMMEL...__._,___._..,..___.
MARY.J STRF.MMF.J.
PROPERTY ADDRESS:
40ll-402 SOllTH YORK STRF.F.T
MF.c."ANTrSRURC'~ PA. 17055
LOAN ACCT. NO.:
ORIGINAL LENDER:
CURRENT LENDER:
010013987
SAXON MORTGAGF, JNC
SAXONMORTGAGF~ JNC
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAYBE ELlGTBI.E FOR FINANCIAL ASSISTANCE
WHICH CAN SAVE YOIJRHOME FQOM FORECLOSIJRE AND
HEI.P YOU MAKEFUTIJRE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE, PROVISIONS OF THE HOMEOWNER'S
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE
ELIGffiLE FOR EMERGENCY MORTGAGE ASSISTANCE:.
. IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR
CONTROL,' ,
, .
IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR
MORTGAGE PAYMENTS, AND
IF YOU MEET OTHER ELIGmiLn'YREQUlREMENTS ESTABLISHED BY THE
PENNSYLVANIA HOUSING FINANCE AGENCY.
.
.
TEMPORARY STAY OF FORECI.OSURE - Under the Act, you are entitled to a temporary stay
of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time
you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling
agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE
NEXT (3Q)DAYS. IF YOU DO NOT APPLY FOR EMRRGENCYMORTGAGEASSISTANCE,
YOU MUST BRING YOUR MORTGAGE UP TO DATE THE PART OF THIS NOTICE
CALLED "HOW TO CymE YOlm MORTGAGE DEFAULT", EXPLAINS HOW TO BRING
YOlm MORTGAGE lIP TO DATE
CONSUMER CREDrr'COIJNSEI.ING 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 name!<, Htltl""'~e~ and tel~hone numhers
of designated consumer credit counseling aglmcies for the county in which the property is located
are set forth atthe end ofthis Notice. It is only necessary to schedule one face-to-face meeting.
Advise your lender immediately of your intentions. '
APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the
reasons set forth later in this Notice (see following pages for specific information about the nature
of your default.) , If you have tried and are unable to resolve this problem with the lender, you have
the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance,
Program. To do so, you must fill out, sign and :!ile 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 :!iled or postmarked within thirty (30) days of your
face- to-face m~ting.
YOU MlTST mE YOUR APPLICATION PROMPTLY. IF YOU FAll.. TO DO SO OR IF YOU
DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER.
FORECLOSlJRE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR
APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED.
Page 2 of6
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AGENCYAC.TION - A vailablefunds for emergency mortgage assistance are very limited. They will be
disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing
Finance Agency has sixty (60) days to make a decision after it receives your application. During that time,
no foreclosure proceedings will be pursued against you if you have met the time requirements set forth
above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your
application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN
BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION
PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO
COLLECT THE DEBT.
(H you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.)
BOW TO CIJRE YOUR MORTGAGEDEF AlJI,T (Bring it up to date).
i"!A TURF. OF TJIF. DF.F A ULT - The MORTGAGE debt held by the above lender on your property located
at: 400-402 Soutb York Street
Mechanieshurg, PA 17055
IS SERIOUSEY IN DEFAULT because:
A. YOU H,A vB NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the
following amounts are now past due:'
Montbly P"}'meuts of $840.00 for November, 1999 through .January, 2000 - $2,520.00
Montbly Late Cbar-ges of lt~7.76 for November, 1999 througb December, 1999 = $75.52
Other charges (explain/itemize): Deferred I,ate Cbarge $37.76
Otber Fee- $50.00
NSF Cbarge = $25.00
, TOTAL AMOUNT PAST DUE:
$2,708.28
B. YOU HA VB FAILED TO TAKE TIIE FOLLOWING ACTION (Do not use ;fnot applicahle):
N/A
"ROW TO CURF. TJIF. DF.F Aill,'f - You may cure the default within THIRTY (30) DAYS of the date of
this notice BY PAYING THE, TOTAL AMOUNT PAST DUE TO THE LENDER, WInCH IS $ :Z.70H.28 , PLUS
ANY MORTGAGE PAYMENTS AND LATE CHARGES WInCH BECOME DUE DURING THE THIRTY (30)
DAY PERIOD. Payments. mUSit he manp. either hy ca~h, c~ul.hier's; chec~ certified check or mnn~ order mtuip. payable
and ~ent tn. f
Mark J. Udren & As"",-,iates
1040 N. Kings Higbw"}'4 Suite 500
Cberry Hill, NJ 08034
You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of
this letter: (Do not use jf not applicahle )
N/A
TF YOIJ DO NOT CURE TJIF. DEFAill,T -- If you do not cure the default within THIRTY (30) DAYS
of the date of this Notice, thlliender inten~tIl exercise its rights to accelerate tbe mortgage debt. This
means that the entire outstanding balance of this debt will be considered due immediately and you may lose
the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not
made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to
tiludOSltJl.pon your m.ortgaged..property.
Page 3 of6
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IE TBE,MORTGAGE.IS FO,RECLOSEll Ul'ON - The mortgaged property will be sold by the Sheriff
to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency
before the lender begins legal proceedings against you, you will still be required to pay the reasonable
attorney's fees that were actually incurred, up to $50.00. However, iflegal proceedings are started against
you, you will have to pay ail reasonable attorney's fees actually incurred by the lender even if they exceed ,
$50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other
reasonable costs. If:)'QU~lIlub::faultMtbin.the TlJTRTY (30) DAY period, you will not be required
tQ.pa):,attomey's fees.
OTHER I.ENDER RRMEDmS- The lender may also sue you personally for the unpaid principal balance
and all other sums due under the mortgage. If your debt has been discharged in bankruptcy without your
having reaffirmed it, then lender cannot pursue this remedy.
RIGID TO. CURE TIm DEF Am ,T PRIOR TO. SJJF.RIFF'S SAI .E If you have not cured the default
within the TIIIRlY (30) DAY period and foreclosure proceedings have begun, you .-till have the right to cure
the. defanlt and prevent the sale at any time up to one hour hefore the Sheriff's Sale You may do so I1y
pa}'ing,the total amonnt then past dn", pIns any lat" or oth"" chargll-q thP.n rolf>, ......nnahle attorney'. fees and
CllStu:QIlDect<;p with the foreclosure sale and any other cost. connected with the Sheriff's Sale as llPecified
in writing by the IP.nQ"" and I1y performing any nth"" requirement. nnd"" the mortgage. Coring your defalilt
in the manner, set forth in this notice will restore your mortgage to the' same position as if you had
never defaulted.
EARI.IEST Po.SSml.E SHRRIFF'S SAI,E DATE - It is estimated that the earliest date that such a
Sheriff's Sale of the mortgaged property could be held would be approximately '6 months from
the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale.
Of course, the amount needed to cure the default will mcrease the longer you wait. You may find out at any
time exactly what the required payment or action will be by contacting the lender.
Ho.W TO. CONTACT TIm I,ENDER:
Name ofl.ender/Servieer:
Address:
Meritech Mortgage Serviee$, Ine.
, One Riclgemar Center
6500 West Freeway, Snite 400
Fort 'Worth, TX 76116 '
1100/1174-9516
N/A
Customer Serviee Dl:partment
Phone Number:
Fax Nnmber:
Contact Person:
EFJ:ECT o.F SHERIFF'S SA I ,E - You should realize that a Sheriff's Sale will end your ownership of the
mortgaged property and your right to occupy it. If you continue to live in ~e property after the Sheriff's
Sale, a lawsuit to remove you and your furnishings and other belongings coUld be started by the lender at
any time.
ASSlIMPTION OFMo.RTGAGE- You_mayor ~ may not (CHECK ONE) sell or transfer your
home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding
payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements
of the mortgage are satisfied.
Page 4 of6
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NOTICE
The amount of your debt is as stated in the attached document. The name of the creditor
to whom the debt is owed is as named in the attached document. Unless you notify us within
30 days after receipt of this Notice and the attached document that the validity of the stated
debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us
in writing of a dispute within the 30 day period, we will obtllin verification of the debt or a
copy of a judgment against you, and mall it to you. If you do not dispute the debt, it is not an
admission of liability on your part. Also,. upon your written request within the 30 day period,
I '
we will provide you with the name and address of the original creditor if different from the
current creditor.
If you notify us in writing within the 30 day period as stated above, we will cease collection
of your debt, or any disputed portion of it, until we obtain the informatiom that is required
and mail it to you. Once we have mailed to you the required information, we will then
continue the collection of your debt.
This law firm is deemed to be a debt collector and this Notice and the attached document is
an attempt to collect a debt, and any information obtained will be used for that purpose.
LAW OFFICES OF MARKJ. UDREN
/s/ Mark J. Udren, Esquire
1040 N. Kings Highway, Suite 500
Cherry Hill, NJ 08034
(609) 482~6900
Page 5 of6
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YOU MAY.ALSQ1IAYE THE.lUGHT.:
.
TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR
TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF TIllS DEBT.
.
TO HAVE TIllS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
.
TO HAVE THE MORTGAGE RESTORED TO THE SAME POSmON AS IF NO DEFAULT
HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE TIllS
RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR
YEAR.)
.
TO ASSERT THE NONEXISTENCE OF ADEFAULT IN ANY FORECLOSURE PROCEEDING
OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS,
.
TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION
BY THE LENDER.
.
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TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSIlMER CREDIT COUNSEI,ING AGENCIES SERVING YOUR COUNTY
(Fill in a liw 0/ all Counseling Agencies li.led in Appendix C, FOR THE COUNTY in which the
propertJ! is located. using ad,!itionalpages if nece..saQl)
CIJMRRRI.AND COUNTY
CCCS ofWestem Pennsylvania, Inc.
2000 Linglestown Road
Harrisburg, PA 17102
(717) 541-1757
FAX (717) 541-4670
YWCA of Carlisle
301 G Street
Carlisle, PA 17013
(717) 243-3818
FAX (717) 731-9589
Financial Counseling Services of Franklin
31 West 3rd Street
Waynesboro, PA 17268
(717) 762-3285
, Community Action Cllmm of the Capital Region
1514 Derry Street
Harrisburg, PA 17104
(717) 232-9757
FAX (717) 234-2227
Urban League of Metropolitan Harrisburg
N. 6th Street
Harrisburg, PA 17101
(717) 234-5925
FAX (717) 234-9459
Adams County Housing Authority
139-143 Carlisle St.
Gettysburg, P A 17325
(717) 334-1518
FAX (717) 334-8326
Page 6 of6
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V E R I F I CAT ION
Mark J. UdJ;en,Esquire, hereby states that he is the attorney
for the Plaintiff, a corporation unless designated otherwise; that
he is authorized to take this Verification and does so because of
the exigencies regarding this matter, and because Plaintiff must
verify much of the information through agents, and because he has
personal-knowledge of some of the facts averred in the foregoing
pleading; and that the statements made in the foregoing pleading
are true ~nd correct to the best of his knowledge, information and
belief and the source of his informati'on is public records and
reports of Plaintiff's agents. The undersigned understands that
this statement herein is made subject to the penalties of 18
Pa.C.S. Section 4904 relating to unsworn falsification to
authorities.
J
Mark
MARK
dren, ESQUIRE
UDREN & ASSOCIATES
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H(;r.~f.',"',:hy' (~'1~1n'~~'~-:-~'-~~if)"
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MARX J. UDREN & ASSOCIATES
BY: Hark J. Udren, Esquire
ATTY I.D. NO. 04302
1040 N. KINGS~IGBWAY, SUITE 500
CHERRY ~ILL, NJ 08034
856-482-6900
'ATTORNEY FOR PLAINTIFF
Chase Bank of Texas, N.A.
4708 Mercantile Drive N.
Fort Worth, TX 76137-3605
Plaintiff
. COURT OF COMMON PLEAS
: CIVIL DIVISION
: CUmberland County
v.
John C. Stremmel
Mary J. Stremmel
978 pinetown Road
Lewisberry, PA 17339
Defendant(s)
: NO. 00 - /P7(
GUL[<Y~
COMPLAINT IN MORTGAGE FORECLOSURE
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 TAItE THIS 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.
LAWYERS REFERRAL SERVICE
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013-3387
717-249-3166 or 800-990-9108
,"
1.; ~ \ . .) / '
;- '__ ,~_ _. ,\~,"': V I
TRUE e.oP~.~" REGQI!U)
In Testimony;wIltlreof.J~!lhto..timyhand
and 'the seaI,l)f ~'~~atCar 1$1.8. PJ.
,-Tlris/l~~~r:~'.,_. ,...~~~
Pr<<. notaty
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,"""""",,=.6l'I!flii
AV:rSO
Lehan demandado a usted en la corte. si usted quiere defenderse
de estas demandas expuestas en las paginas siguientes, usted tiene
veinte (20) dias de plazo al partir de la fecha de la demanda y la
notificacion. Race falta ascentar una comparencia escrita o.en
persona 0 con un abogado y entregar a la corte en forma escrita sus
defensas 0 sus objeciones a. las demandas en contra de su persona.
Sea avisado que si usted no se dafiende, la corte tomara medidas y
puede continuar la demanda en contra suya sin previa aviso 0
notificacion. Ademas, la corte puede decidir a favor del
demandante y requiere que usted cumpla contodas las provisiones de
esta demanda. Usted puede perder dinero 0 sus propiedades u otros
derechos importantes para usted.
LLEVE ESTA DEKANDA A UN ABOGADO J:1lMEDJ:ATAKENTE, S:r NO TJ:ENE ABOGADO
o SJ: NO TJ:ENE EL DJ:NERO SUFJ:CJ:ENTE DE PAGAR TAL SERVJ:CJ:O, VAYA EN
PERSONA O. LLAME POR TELEFONOA LA OFJ:CJ:NA CUYA DJ:RECCJ:ON SE
, '
ENCUENTRA ESCRJ:TA ABAJO PARA AVER;tGUAR DONDE SE PUEDE CONSEGUJ:R
AS:rSTENCJ:A LEGAL.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, P A 17013-3387
717-249~3166 or 800-990-9108
'-"~'_ - _e
-
, NOTICE
The amount of your debt is as stated in the attached document. The name of the creditor
to whom the debt is owed is' as named in the attached document. Unless you notify us within
30 days after receipt of this Notice and the attached document that the validity of the stated
debt, or any portion of it, is disputed, we will-assunie that the debt is valid. If you do notify us
in writing of a dispute within the 30 day period, we will obtain verification of the debt or a
copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an
admission of liability on your part. Also, upon your written request within the 30 day period,
we will provide you with the name and address ,of the original creditor if diifferent from the
current creditor.
If you notify us in writing within the 30 day period as stated above, we will cease collection
of your debt, or any disputed portion of it, Until we obtain the information that is required
and mail it to you. Once we have mailed to you the required information, we will then
continue the collection of your debt.
This law firm is deemed to be a debt collector and this Notice and the attached document is
,
an attempt to collect a debt, and any information obtained will be used for that purpose.
LAW OFFICES OF MARK J. UDREN
/s/ Mark J. Udren, Esquire
1040 N. Kings Highway, Suite 500
Cherry Hill, NJ 08034
(856) 482-6900
~
,
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1. Plaintiff is the Corporation designated as such in the
caption on a preceding page. If Plaintiff is an assignee then it
is such by virtue of the following recorded assignments:
Assignor: Saxon Mortgage, Inc.
Assignments of Record to: Chase Bank of Texas, N.A.
Recording Date: 3/26/98 Book: 572 Page: 24
2. Defendant(s) is the individual designated as such on the
caption on a preceding page, whose last known address is as set
forth in the caption, and unless designated otherwise, is the real
owner(s) and mortgagor(s) of the premises being foreclosed.
3. On or about the date appearing on the Mortgage
hereinafter described, at the instarce and request of Defendant(s),
Plaintiff (or its predecessor, hereinafter called Plaintiff) loaned
to the Defendant (s) the sum appearing on said Mortgage,
which
Mortgage was executed and delivered to Plaintiff as security for
the indebtedness.
Said Mortgage is incorporated herein by
reference in accordance with Pa,.R.C.P,. 1019 (g).
The information regarding the Mortgage being foreclosed is as
follows:
MORTGAGED PREMISES: 400-402 South York Street
MUNICIPALITY/TOWNSHIP/BOROUGH: Borough of Mechanicsburg
COUNTY: Cumberland
DATE EXECUTED: 3/16/98
DATE RECORDED: 3/26/98 BOOK: 1440 PAGE: 863
The legal description of the mortgaged premises is attached hereto
and made part hereof.
4. Said Mortgage is in default because the required payments
have 'not been made as set forth below, and by its terms, upon
breach and failure to cure said breach after notice, all sums
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secured by said Mortgage, together with other charges authorized by
said Mortgage itemized below, shall be immediately due.
5. After demand, the Defendant (s) continues to fail or
refuses to comply with the terms of the Note as follows:
(a) by failing or refusing to pay the installments of
principal and interest when due in the amounts indicated
below;
(b) by failing or refusing to pay other charges" if any,
indicated below.
6. The following amounts are due on the said Mortgage as of
I 2/15/00:
'Principal of debt due and unpaid
Interest at 8.87%
from 10/1/99
to '2./15/00
(the per diem interest accruing on
this debt is $17.29 and that sum
should be added each d~y after
2/15/00)
$71,117.72
2,386.34
Title Report
250.00
Court Costs (anticipated, excluding
Sheriff's Sale costs)
Escrow Overdraft/(Balance)
(The monthly escrow on this account
is $84.87 and that sum should
be added on the first 9f each
month after 2/15/00)
280.00
(1,066.03)
Late Charges
(monthly late charge of $37.76
should be added on the fifteenth of
each month after 2/15/00)
113.28
Other Fees
150.00
NSF Fees
25.00
Attorneys Fees (anticipated and actual
to 5% of principal)
TOTAL
3.555 89
$76,812.20
., ,
7. The attorney's fee 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 in accordance with the reduction
provisions of Act 6, if applicable.
8. The combined notice specified by the Pennsylvania
Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983
and Notice of Intention to Foreclose under Act 6 of 1974 has been
sent to each defendant, via certified and regular mail, accordance
with the 'requirements of those acts, and the date appearing on the
copy attached hereto as exhibit ,A, and made part hereof, and
defendants have failed to proceed within the time limits, or has
been determined ineligible, or Plaintiff has not been notified in
a timely manner of Defendant(s) eligibility.
WHEREFORE, the Plaintiff demands judgment, in rem, against
the Defendant(s) herein in the sum of $76,812.20, plus interest,
costs and attorneys fees as more fully set
and for foreclosure and sale of the Mort
forth in the Complaint,
dd'ses.
Mark Udren, ESQUIRE
MARKUDREN & ASSOCIATES
Attorney for Plaintiff
Attorney I.D. No. 04302
".I; "
_.
."',.,
ALL THAT CEllTADt LOT OF GllOllNP . S:t~ ON TIlE WEST S:tDE OF SOIJ'nl YOlIK S'rIlEET
:IN THE F:tnH 1UI1Ul 01' THE BOllOUGIl OF MZCHAN:tCSBtl1lG, COtlN'n' OF CtlMIlZltUllND AND .
STATE 01' PZl'INSn.Vl\NJ:A, BOllNPZD AND DESC1l:tBZD A.$ FOIoLOWS, TO W:tT:
BEG:tNN:tNG A coImZll OF SOU'l!H YOllK AND WEST coOVZ1l S'rIlEZTS; THENCE BY SA:tD
SOU'I!H YOllK S'rIlEZT, S~ sEVENfi nO) FEE'l! 'l!0 coImEll 01' LOT NO. 41;
THENCE BY SA:tD LOT, WES'J!WAl\D ONE HllNPllED >>1D E:tGHTZEN (118.) I'EET, MOllI!: OR
IoZSS, TO A~ (20) FOOT I?llIlIo:tC ALLEY; THENCE: BY ,SA:tD ALLEY, N01I!r1lI'IlIBD
z:tGHft (80) FEET TO WES'l! coOVZ1l STllZZT; THENCI!l BY SA:tD S'l!llI!:ZT, ZA.$'J!WAl\D ONE
1lUND1lEIl AND ~-ONZ (121) FEET, MOllI!: OR IoZSS,'l!O 'l!1IE ~ OF BE:l3:tb1N:tNG.
BE:ING LOTS NOS. 43' >>1D 45 OF THE GENZlUIL PLlIN A.$. NlIDE BY 'l!HE HE:tRS 01' JOHN
COVER. DECZA.$ZD.
""-
-
January 12, 2000
DATE:
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
Thi- is a'; offieial notice that the mortgage on your home i_ in default, and the lender
intp.nds to foreclose. Specific information about the nature of the default is provided in the
attllehed pages. .
The HOMEOWNER'S MORTGAGRASSIST ANCE PROGRAM (JIEMAP) may be able
to help to save your home. This Notice explains how the program works. .
To see if REMAP can help, you' must MEET WITH A CONSUMER CREDIT
COlJNSEUNG AGENCY WITHIN 30 DAYS OF TRE DATE OF THIS NOTICE. Take
this Notice with you when you meet with the Counseling Agenc:y.
The namEl, address and pbone number of fonsumer Credit Counseling Ageneies serving
your County are listed at the end of this Notiee. If you, bave any questions, YOII may eall the
Pp.nnsylvania Housing Finance Agenc:y toll free at 1-800-342-2397. (persons with impaired
bearing can eall (717) 780-1869). .
This Notice contains important legal information. If you have any questions,
representatives at the Consumer Credit Counseling Agency may be able to help explain it.
You may also want to contact an attorney in your area. The local bar association may be able
to help you find a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SUMAIMPORTANCIA, PUES AFECTA SU
DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL
CONTENDO DE . ESTA NOTIFICACION OBTENGA UNA TRADUCCION
INMEDITAMENTE LLAMANDO ESTA AGENCIA (pENNSYLVANIA HOUSING
FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES
SER ELEGffiLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO
"HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL
PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO ii'\.fED~ SUl
HIPOTECA. Page 1 of6 . EX~!~I~_~-.-J
~~......,..."
HOMEOWNER'S NAME(S):
JOHN C STREMMEL-___._____ __.._____
PROPERTY ADDRESS:
MARY.T STRRMMRI.
401\..402 smITH YORK STRRET
MRCHANTCSRURr., PA 17055
01 0013987
SA XON MORTr.Ar.t<:, INC.
SAXON MORTr.Ar.E, INC
LOAN ACCT. NO.:
ORIGINAL LENDER:
CURRENT LENDER:
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
yon MAYB.EELIGmT.E FOR FINANCIAl, ASSISTANCE
WHICH CAN SAVE YOUR HOME FROM FORF,CI,OSURE AND
REI,P YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE
ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE:
. IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR
CONTROL, -
, '
IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR
MORTGAGE PAYMENTS, AND
IF YOU MEET OTHER ELIGIBiLITY REQUIREMENTS ESTABLISHED BY THE
PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECI ,osnRE Under the Act, you are entitled to a temporary stay
of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time
you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling
agencies listed at the end of this Notice. Tms MEETING MUST OCCIlR WITHIN THE
NExT (30) DAYS. IF VOU DO NOT APPLY FOR EMERGENCV MORTGAGE ASSISTANCE,
YOU MlTST BRING YOUR MORTGAGE lIP TO DATE. THE PART OF THIS. NOTICE
CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING
YOUR MORTGAGE lIP TO DATE
.
.
CONSTJMER CREDIT'COUNSEI,ING 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 oftbis meeting. The names, AnnT""ses and telephone numhers
of desi8!'Ated commmer credit counseling agencies fOT the county;n which the property is located
are set forth at.the end of this Notice. It is only necessary to schedule one face-to-face meeting.
Advise your lender immediately of your intentions. .
APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the
reasons set forth later in this Notice (see following pages for specific infonnation about the nature
of your default.) - If you have tried and are unable to resolve this problem with the lender, you have
the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance.
Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency
Assistance Program Application with one of the designated consumer credit counseling agencies
listed at the end of this Notice. Only consumer credit co:unseling 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 MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU
DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN TIDS LETTER,
FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR
APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED.
Page 2 of6
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AGENCYACTION - 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
Firnmce Agency has sixty (60) days to make a decision after it receives your application. During that time,
no foreclosure proceedings will be pursued against you if you have met the time requirements set forth
above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your
application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN .
BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION
PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO
COLLECT THE DEBT.
(If you bave filed bankruptcy you can still apply for Emergency Mortgage Assistance.)
HOW TO CURE YOUR MORTGAGRDEFAUL T (Bring it up to date).
NA TIJRE OF TfI'"R DEFA 1JI,T The MORTGAGE debt held by the above lenderon your property located
at: 400-402 SOllth York Street
Mechanicshurg, PA 17055
IS SERIOUSEY IN DEFAULT because:
A. YOU HA vB NOT MADE MONTIIL Y MORTGAGE PAYMENTS for the following months and the
following amounts are now past due: .
Monthly PlQ'rnents ofS840.00 for November, 1999 thrnllgh January, 2000 - S2,520.00
Montbly Late Cbarges of S37.76 for Novemher, 1999 through Decemher, 1999 - $75.52
Other charges (exp1ainlitemize): Deferred I,ate Cbarge - $37.76
Other Fee- $50.00
NSF Cbarge - $25.00
TOTAL AMOUNT PAST DUE:
S2,708.28
B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable):
N/A
HOW TO CURE TfI'"R DEFAID,T - You may cure the default within THIRTY (30) DAYS of the date of
this notice BY PAYlNG THETOTAL AMOUNT PAST DUE TO THE LENDER, WInCH IS $2,708.28 . PLUS
ANY MORTGAGE PAYMENTS AND LATE CHARGES WInCH BECOME DUE DURING THE THIRTY (30)
DA Y'PERIOD. PaymP.t1fi:: mUlllt he m~(1f"! either hy oaq,h, caoqhier'!{ chec~ certified chp.c1c nr money order manp. payahle
and !tent to. 1
Mark .J. Udren & Associates.
1040 N. Kings.Bighw")', SlIite 500
Cberry Hill, N.J 08034
You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of
this letter: (Do not use if not applicahle )
N/A
IF YOU DO NOT CURE TfI'"R DEF AUL T -- If you do not cure the default within THIRTY (30) DAYS
of the date of this Notice, thtiender intp.udLtllexercise its rights to accelerate the mortgage deht. This
means that the entire outstanding balance of this debt will be considered due immediately and you may lose
the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not
made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to
foreclose IIpjm.J'llll~lIllll1gaged property.
Page 3 of6
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IE THE.MORTGAGFcIS. FORECLOSED- Ul'ON - The mortgaged property will be sold by the Sheriff
to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency
before the lender begins legal proceedings against you, you will still be required to pay the reasonable
attorney's:fees that were actually incurred, up to $50.00. However, iflegal proceedings are started against
you, you Will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed .
$50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other
reasonable costs. Ir)'ou cure the defaultMthiuJbe THTRTY(3Q) DA V period, fOil wm not he requirm
t~pa):,attomey's fees.
Ol'llEP I.ENDER RF.MF.Dms - The lender may also sue you personally for the unpaid principal balance
and all other sums due under the mortgage. If your debt has been discharged in bankruptcy without your
having reaffirmed it, then lender cannot pursue this remedy.
BIGHT TO CURE TIm. DEJ?Am,T PRIOR TO SHF.RIFF'SSAI.E - If you have not cured the default
within the TIIIRTY (:10) DA V period and foreclosure proceedings have begun, you still have the Ii ght to cure
thltdefault and prevent the sale at any time up to one hour hefore the Sheriff's Sale You may do so hy
pa)dng the total amount then past due, plus any late or oth"" "harges thP.T1 due, reasonahle attorn<:y's fees and
!:llStaJ:ODDect'1d with the foreclosure sale and any other costs connected with the Sheriff's Sale as 'lpecified
in writing by the IP.T1d"" and by performing any oth"" reqpirernents under the mortgage. Curing your defaUlt
in tbe manner, set forth in this notice will restore your mortgage to the same position as if you bad
never defaulted.
EARLIEST POSSffil,E SHF.RIFF'S SAI,E DATE - It is estimated that the earliest date that such a
Sheriff's Sale of the mortgaged property could be held would be approximately 6 months from
the date oftbis Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale.
Of course, the amount needed to cure the default will increase the longer you wait. V ou may find out at any
time exactly what the required payment or action will be by contacting the lender.
HOW TO CONTACT TIm. I.ENDER:
Name of I,ender/Servicer:
Address:
Merite"h Mortgage Servi"es, Ine.
. One Ridgemar Center
6500 West Freewa,y, SlIite 400
Fort Worth, TX 76116
800/874-9516
N/A
Cllstomer Servi"e Department
Phone Number:
Fax Numher:
Cnntaet Pen.on:
EFFECT OF SHF.RIFF'S SAI.E - You should realize that a Sheriff's Sale will end your ownership of the
mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's
Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at
any time.
ASSIlMPnON OF MORTGAGE _ You _ may or ~ may not (CHECK ONE) sell or transfer your
home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding
payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements
of the mortgage are satisfied.
Page 4 of6
"m
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-
NOTICE
The amount of your debt is as stated in the attached document. The name of the creditor
to whom the debt is owed is as named in the attached document. Unless YOIll notify us within
30 days after receipt of this Notice and the attached document that the validity of the stated
debt, or any portion of it, is disputed, we will assume that the debt is valid. ur you do notify us
in writing of a dispute within the 30 day period, we will obtain verification of the debt or a
copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an
. admission of liability on your part. Also, upon your written request within the 30 day period,
,
we will provide you with the name and address of the original creditor if different from the
current ereditor.
If Y01l notify us in writing within the 30 day period as stated above, we will cease collection
. of your debt, or any disputed portion of it, until we obtain the information that is required
and mall it to you. Once we have mailed to you the required information, we will then
continue the collection of your debt.
This law firm is deemed to be a debt collector and this Notice and the attached document is
an attempt to collect a debt, and any information obtained will be used for that purpose.
LAW OFFICES OF MARK J. UDREN
Isl Mark J. Udren, Esquire
1040 N. Kings Highway, Suite 500
Cherry Hill, NJ 08034
(609) 482~6900
Page 5 of6
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YOU MAY.ALS.O~.THElUGHT:
. TO SELL THE PROPER1YTO OBTAIN MONEY TO PAY OFF TIIE MORTGAGE DEBT OR
TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF TInS DEBT.
. TO HAVE TInS DEFAULT CURED BY ANY THIRD PAR1Y ACTING ON YOUR BEHALF.
. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSmON AS IF NO DEFAULT
HAD OCCURRED, IF YOU CURE TIIE DEFAULT. (HOWEVER, YOU DO NOT HAVE TInS
RIGHT TO CURE YOUR DEFAULT MORE THAN lHREE TIMES IN ANY CALENDAR
YEAR)
. TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING
OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS,
. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION
BY THE LENJ?ER.
,
. TO SEEK PROTECTION UNDER TIIE FEDERAL BANKRUPTCY LAW.
CONSpMER CREDIT COUNSEUNG AGENCIES SERVING YOUR COUNTY
(Fill in a liot qf all Coun..eling Agencie.. li.fed in Appendix Go FOR THE COllNTY in which the
pro pert)' i.. located. using additional -,,'Wes if nece,."ary}
CIIMRRRI.A ND COllNTY
CCCS of Western Pennsylvania, Inc.
2000 Linglestown Road
Harrisburg, PA 17102
(717) 541-1757
FAX (717) 541-4670
YWCA of Carlisle
301 G Street
Carlisle, PA 17013
(717) 243-3818
FAX (717) 731-9589
Financial Counseling Services of Franklin
31 West 3rd Street
Waynesboro, PA 17268
(717) 762-3285
, Community Action Cllmm of the Capital Region
1514 Derry Street
Harrisburg, PA 17104
(717) 232-9757
FAX (717) 234-2227
Urban League of Metropolitan Harrisburg
N. 6th Street
Harrisburg, PA 17101
(717) 234-5925
FAX (717) 234-9459
Adams County Housing Authority
139-143 Carlisle St.
Gettysburg, P A 17325
(717) 334-1518
FAX (717) 334-8326
.
Page 6 of6
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V E R I F I CAT ION
Mark J. Udr.en, Esquire, hereby states that he is the attorney
for the Plaintiff, a corporation unless designated otherwise; that
he is authorized to take this Verification and does so because of
the exigencies regarding this matter, and because Plaintiff must
verify much of the information through agents, and because he has
personal knowledge of some of the facts averred in the foregoing
pleading; .and that the statements made in the foregoing pleading
are trueapd correct to the best of his knowledge, information and
belief and the source of his informati'on is public records and
reports of Plaintiff's agents. The undersigned understands that
this statement herein is made s.Ubject to the perialties of 18
Pa.C.S. Section 4904 relating to unsworn falsification to
authorities.
J
Mark
MARK
dren, ESQUIRE
UDREN & ASSOCIATES
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MARK J. UDREN &: ASSOCIATES
BY: Mark J. Udren, Esquire
ATTY I.D. NO. 04302
1040 N. KINGS HIGHWAY, SUITE 500
CHERRY HILL, NJ 08034
856-482-6900
ATTORNEY FOR PLAINTIFF
Chase Bank of Texas, N.A.
4708 Mercantile Drive N.
Fort Worth, TX 76137-3605
Plaintiff
. COURT OF COMMON PLEAS
: CIVIL DIVISION
: Cumberland County
v. :NO. 00-1871 civil term
John C. Stremmel
Mary J. Stremmel
978 pinetown Road
Lewisberry, PA 17339
Defendant(s)
PRAECIPE TO DISCONTINUE WITHOUT PREJUDICE
TO THE PROTHONOTARY:
Kindly mark the above DISCONTINUED WITHOUT PREJUDICE,
upon payment of your costs only.
pI/l_ /
Mark J. Udren, Esquire
Mark J. Udren & Associates
Attorney for Plaintiff
DATED: May 23, 2000
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