HomeMy WebLinkAbout00-02445
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FEDERMAN AND PHELAN
By: FRANK FEDERMAN, ESQUIRE
IDENTIFICATION NO. 12248
TWO PENN CENTER PLAZA, SillTE 900
PffiLADELPHIA, PA 19102
(215) 563-7000
WASHINGTON MUTUAL BANK
505 SOUTH MAIN STREET, SillTE 6000
ORANGE, CA 92868
ATTORNEY FORPLAINTITF
COURTOFCO~ONPLEAS
CIVIL DIVISION
Plaintiff
TERM
NO. OC - :2t..{4~ (?tu<'C y~
CUMBERLAND COUNTY
v.
KAREN E. GEIDEL
VIRGIL E. GEIDEL
178 RED TANK ROAD
BOILING SPRINGS, P A 17007
Defendant( s)
CIVIL ACTION - LAW
MORTGAGE FORECLOSURE
NOTICE
**THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY
RECEIVED A DISCHARGE IN BANKRUPTCY AND THIS DEBT WAS NOT REAFFIRMED, THIS
CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT
A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY. **
Y (m have been sued in Court. If you wish to defend against the claims set forth in the following
pages, you must take action within twenty (20) days after this Complaint and Notice are served,
by entering a written appearance personally or by attorney and filing in writing with the court
your defenses or objections to the claims set forth against you. You are warned that if you fail to
do so the case may proceed without you and a judgment may be entered against you by the court
without further notice for any money claimed in the Complaint or for any other claim or relief
requested by the Plaintiff. You may lose money or property or other rights important to you,
YOU SHOULD TAKE TillS PAPER TO YOUR LAWYER AT ONCE. IT YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY
CUMBERLAND COUNTY BAR AS SOCIA TION
2 LIBERTY AVENUE
CARLISLE, PA 17013
(717)249-3166
Loan #: 0010850378
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1. Plaintiffis
WASHINGTON MUTUAL BANK
505 SOUTH MAIN STREET, SUITE 6000
ORANGE, CA 92868
2. The name(s) and last known addressees) of the Defendant(s) are:
KAREN E. GEIDEL
VIRGIL E. GEIDEL
178 RED TANK ROAD
BOILING SPRINGS, P A 17007
who is/are the mortgagor(s) and real owner(s) ofthe property hereinafter described.
3.
On 311/99 mortgagor(s) made, executed and delivered a mortgage upon the premises
hereinafter described to AMERIQUEST MORTGAGE COMPANY which mortgage is
recorded in the Office of the Recorder of CUMBERLAND County, in Mortgage Book
No. 1525, Page 141. PLAINTIFF is now the legal owner of the mortgage and is in the
process of formalizing an assignment of same.
4. The premises subject to said mortgage is described as attached.
5. The mortgage is in default because monthly payments of principal and interest upon said
mortgage due 11/1/99 and each month thereafter are due and unpaid, and by the terms of
said mortgage, upon failure of mortgagor to make such payments after a date specified by
written notice sent to Mortgagor, the entire principal balance and all interest due thereon
are collectible forthwith. A copy of such notice is attached as Exhibit "A."
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6. The following amounts are due on the mortgage:
Principal Balance
Interest
10/1/99 through 411/00
(Per Diem $23.14)
Attorney's Fees
Cumulative Late Charges
311/99 to 4/1100
Cost of Suit and Title Search
Subtotal
$87,689.19
4,234.62
4,000.00
310.80
550,00
96,784.61
Escrow
Credit
Deficit
Subtotal
0.00
0,00
0,00
TOTAL
$96,784.61
7. The attorney's fees set forth above are in conformity with the Mortgage documents and
Pennsylvania Law, and will be collected in the event of a third party purchaser at
Sheriff's Sale. If the Mortgage is reinstated prior to the Sale, reasonable attorney's fees
will be charged.
8. This action does not come under Act 6 of 1974 because the original mortgage amount
exceeds $50,000.00.
9. The Combined Notice has been sent to the Defendant(s) by regular and certified mail as
required by 35 P.S. ~ 1680A03c on the date(s) set forth in the true and correct copy of
such notice(s) attached hereto as Exhibit "A."
10. The Temporary Stay as provided by the Homeowner's Emergency Mortgage Assistance
Program, Act 91 of 1983, has terminated because either:
(i.) Defendant(s) have failed to meet with the Plaintiff or an authorized Credit
Counseling Agency in accordance with Plaintiff's written Notice to Defendants,
a true and correct copy of which is attached hereto as Exhibit "A"; or
(ii.) Defendant(s) application for assistance has been rejected by the Pennsylvania
Housing Finance Agency.
WHEREFORE, PLAINTIFF demands an in rem Judgment against the Defendant(s) in the sum of
$96,784.61 , together with interest from 411/00 at the rate of $23.14 per diem to the date of
Judgment, and other costs and charges collectible under the mortgage and for the foreclosure and
sale of the mortgaged property.
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FRANK FEDERMAN, ESQUIRE
Attorney for Plaintiff
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ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
DATE: February 17,2000 FORECLOSURE
TO:
Karen E. Geidel
178 Red Tank Road
Boiling Springs, PA 17007
Virgil E. Geidel
178 Red Tank Road
Boiling Springs, PA 17007
TillS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS
SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN
AND ANY INFORMA TlON OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. IF
YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS
CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO
COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY.
This is an official notice that the mortgage on vour home is in default and the lender intends to foreclose.
Soecific information about the nature of the default is provided in the attached Dages.
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (REMAP) mav be able to helD to save
vour home, This Notice exolains how the orogram works.
To see ifHEMAP can helD. vou must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY
WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with vou when vou meet the
Counseling Agencv.
The nlllne. address and ohone number of Consumer Credit Counseling Agencies serving vour County are
listed at the end ofthis Notice. lfvou have anv auestions. vou mav call the Pennsvlvania Housing Finance
Agencv toll free at 1-800-342-2397. (Persons with irnoaired hearing can call (717) 780-1869),
This Notice contains important legal information. If you have any questions, representatives at the
ConsUIller 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 SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A
CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA
NOTlFICACION 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 "HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL
PUEDE SAL V AR SU CASA DE LA FERDIDA DEL DERECHO A REDIMAR SU HIPOTECA.
EXHIBIT A
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STATEMENTS OF POLICY
HOMEOWNER'S NAME(S): Karen E. Geidel and Virgil E. Geidel
PROPERTY ADDRESS: 178 Red Tank Rd.-Boiling Springs, PA 17007
LOAN ACCT. NO.: 0010850378
ORIGINAL LENDER: Ameriquest Mortgage Company
CURRENT LENDER/SERVICER: Ameriquest Mortgage Company
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAYBE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME
FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT'), YOU MAY BE ELIGIBLE FOR EMERGENCY
MORTGAGE ASSISTANCE.
. IF YOUR DEF AUL T HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL.
. IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE
PAYMENTS, AND
. IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE
PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE-Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must
arrange and attend a face-to-face meeting with one of the conswoer credit counseling agencies listed at the
end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO
NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR
MORTGAGE UP TO DATE. THE PART OF TillS NOTICE CALLED "HOW TO CURE YOUR
MORTGAGE DEF AUL T" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES-Ifvou meet with one ofthe consumer credit
counseling agencies listed at the end of this notice the lender mav NOT take action against YOU for thirtY
(30) dayS after the date of this meeting. The names. addresses and telephone nwobers of designated
conswoer credit counseling agencies for the county in which the propertY is located are set forth at the end
of this Notice, It is only necessary to schedule one face-to-face meeting. Advise your lender inunediately
of your intentions.
APPLICATION FOR MORTGAGE ASSIST ANCE- Your mortgage is in a 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 conswoer 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 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.
EXHIBIT A
AGENCY ACTION-Available funds for emergency mortgage assistance are very limited. They will be
disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing
Finance Agency has sixty (60) days to make a decision after it receives your application. During that time,
no foreclosure proceedings will be pursued against you if you have met the time requirements set forth
above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your
application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN
BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION
PURPOSE ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT
THE DEBT.
If au have filed bankru tc ou can still a I for Emer enc Mort a e Assistance.
HOW TO CURE YOUR MORTGAGE DEF AUL T (Bring it uo to date).
NATURE OF THE DEFAULT-The MORTGAGE debt held by the above lender on your property located
at: 178 Red Tank Rd.-Boiling Springs, P A 17007 IS SERIOUSLY IN DEF AUL T because:
A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the
following amounts are now past due: Start/End: 11/1/99 thru 2/1/00 at $739.96 per month.
Monthly Payments Plus Late Charges Accrued $3,181.84
NSF: $0.00
Inspections: $0.00
Other: $110.00
(Suspense): $0.00
Total amount to cure default $3,291.84
B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTIONS (Do not use if not aoolicable): NlA
HOW TO CURE THE DEFAULT-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, WHICH IS $3,291.84,
PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING
THE THIRTY (30) DAY PERIOD. PaYments must be made either bv cash. cashier's check. certified
check or monev order made pavable and sent to: AMERIQUEST MORTGAGE COMPANY, 505
South Main Street, Suite 6000, Orange, CA 92868, Attention: Collections Department.
You can cure any other default by taking the following action within THIRTY (30) DAYS ofthe date of
this letter. (Do not USe if not aoolicable.) N/ A.
IF YOU DO NOT CURE THE DEFAULT-If you do not cure the default within THIRTY (30) DAYS of
the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. The 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 attorney to start legal action to
foreclosure uoon VOUr mortgage property,
IF THE MORTGAGE IS FORECLOSED UPON- The mortgage 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, if legal proceedings are started against you, you
will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00.
Any attorney's fees will be added to the amount to the lender, which may also include other reasonable
costs. Ifvou cure the default within the THIRTY (30) DAY oeriod. vou will not be recuired to pav
attornev's fees.
OTHER LENDER REMEDIES-The lender may also sue you personally for the unpaid principal balance
and all other SlDDS due under the mortgage,
EYHr8'T A
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RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE-[fyou have not cured the default
within the THIRTY (30) DAY period and foreclosure proceedings have begun, vou still have the right to
cure the default and orevent the sale at anv time un to one hour before the Sheriff's Sale. You mav do so
bv navin2 the total amount then oast due, olus any late or other char2es then due. reasonable attorney's fees
and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as
snecified in writin2 by the lender and by oerformin2 any other renuirements under the mort2a2e. Curing
your default in the manner set forth in this notice will restore your mortgage to the same position as if you
had never defaulted,
EARLIEST POSSIBLE SHERIFF'S SALE DATE-It is estimated that the earliest date that such a Sheriff's
Sale of the mortgage property could be held would be approximately SIX (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 fmd out at any time
exactly what the required payment or action will be by contacting the lender.
HOW TO CONTACT THE LENDER: AMERIQUEST MORTGAGE COMPANY
505 South Main Street, Suite 6000, Orange, CA 92868
Phone (800) 430-5262 Fax (713) 835-0739
Contact: Collections Department, ext. 5931
EFFECT OF SHERIFF'S SALE-You should realize that a Sheriff's Sale will end your ownership of the
mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's
Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at
any time,
ASSUMPTION OF MORTGAGE-You may or_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, charge and attorney's fees and cost are paid prior to or at the sale and that the other requirements
of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
. TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAYOFF THIS DEBT.
. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEF AUL THAD
OCCURRED, IF YOU CURE THE DEF AUL T. (HOWEVER, YOU NOT HA VB THIS RIGHT TO
CURE YOUR DEFAUL T MORE THAN THREE TIMES IN ANY CALENDAR YEAR)
. TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING
OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS,
. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY
THE LENDER
. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW,
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY [S ATTACHED
Very truly yours,
AMERIQUEST MORTGAGE COMPANY
Cc: Ameriquest Mortgage Company
Ann: Collections Department
Account No.: 0010850378
Mailed by t" Class mail/Certificate of Mailing and Certified Mail No: Z 2t5 965 355,356
EXHIBIT A
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Pennsylvania Housing Finance Aaencv
H ' E .. .
omeowuer s mergency Mortguge Assistance Progr::tm
Consumer Credit Counseling Agencies
(Rev. 5/99)
Lye:, , r"
C =g-,~.lt":"[l C"=Ces
oamus.ston :" or Co - \ _ . .
2130 , , ,..: =Wllt"! .==n \;::. ."'"
Q ,,-,nC::J.I.Q, ....~,. _.)
P, 0, Box 13"; ---
Willi.:1=po"';: FA 17703
(S, 0) 326~)S87
F.o\.1: (570) 3""."0-
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C2 CCS af )(ar_"e3Sta~ 0'
01 Baoin S ~. .- ..~
W"1lliacu ~--
(S70) 32JP<::;,}'A 17703
F ~o_,
A.1: (S70) 32:HS26
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CL.I:N1'ON COf.;'"NTY
CCCS ofN'orJ1eastern tl~
1631 S .o\thertcn St .-
Suite 100
St:lte eoneg", PA lS80'
(814) 233-36S8 -
F_~(814)23a-36S9
COLti'MBIA COU1'i-ry
CCCS a{)(o,....he:astel"n Pennsvlvania
1400 Abingtan E.~~.lcve Park
Suite 1
CIar3<s Sumctit: PA 13411
(S70) 587-9163 or (SOO) 922-9537
FA.'{ (570) 587-913419135
31 W. ),[ar!tet S=.t
POB 1127
W"1lkes.Bar.-e. PA 18702
(570) 821'{)837 ar (800) 922-9537
F.';"'{ (570) 821-1785
ColllXllis.ian an Economics OpportUtUt"! of Lu::erne Co=t"!
163 .~ber 1:.=e
Wilkes-Bar:-e. PA 18702
(570) 826-0510 or (800) 822'{)359
F.o\."C (570) 829-166S-CAlL BEFORE FAXDiG
(570) 4554994 HAZELTON
F_,;,,'{ (570) 455-5S31-CALL BEFORE F.';""GNG
(570) 836...;090 TCNXH.o\.'<'NOCK
Booker T. Washingmn Center
1720 Holland Si::'eet
Erie. PA 16503
(814) 453-57~
FAX [814) 453-5749
John F, Kcr.nedy Center. Inc.
2021 East 20th St:'eet
Erie, PA 16510
(814) 898-0400
FA."C (814) 898-1243
CCCS of W..ter:l PeWISvlvania. In",
2000 Ling!..""wn Road'
H.u:o'..sburs, PA 17102
(717) 541-1757
Urban League of ),(et:'Opolitan Har.'..sburg
N. 6th St:'eet
Ham.burs. PA 17101
(717) 234-5925
F A."C (717) 234-9459
C.,=unit"! A",::on Comm of the Capit:1l Region
1514 Det":"'1 Street
F.arr'..sbu:;;. PA 17104
(717) 232~9757
F.';""C (7171 23+-2327
CRAWFORD COlJ~'TY
Greater Erie Cammw:::it:... .~=on COr."'......~:-...ee
18 West 9th Stre~t
Erie, P." 1650 I
(814) 459-1581
FA.1: (814) 456-0161
Shenango Valley Urban Le~e. Ir.c
601 Indiana Avenue
Farrell. PA 16121
(412) 981-5310
C'tJl\1BERLA.'lD COCNTI'
F~Co~e~gSern~sofF~m
31 West 3ni Street
Waynesboro. PA 17268
(717) 762-3295
YWCA of Carlisle
301 G Streot
Carlisle, PA 17013
(717) 243-3818
F.';"'{ (717) 731-9539
Adams COUIlt"! nousmg Aut!lorit'J
139-143 Carlisle St
~tt"JSb1lIi. PA 17325
(717) 334-1518
F.';",{(7171334-8325
EXHIBJT A
PEHNSYl.VANIA BlJUETlN. VOL 29. NO. 2:l, JI.INE 50 1999
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ALL. tho following described real est.u.te, together wH:h the improvcmenta thereon
'eroc:ted,. lring omd being situate in south Micklleton 'l"oWnShip. CI.lmlx>rla.nd O:>unty,
li.''''!'lsylvarua, bourlded omd limited as follows: .
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BEGI1'INING at a steel pin set on the. southeJ:;I'l/l'lOst dedicated right-Qf~;'y line, of
Reel,Tank Iload, I1lso I<l'lown as 'l'cwnshJp JilQad '1'-542, said ,pin mark.ing, the point 'of
jOinder of the line which ext:c:mds between Iots 1>10. 1 and 2 on the hereinafter
nocnticncd s~ivisicn with said dediCOltec:1 right-of-way line, atlQ,said, pincal60
,bcinc; l="tOO SOuth 84 degrees 16, minutes SO seconds East for a distarice of' ,
240_89 feet from a concreto ...,numcnt wh.ich marks the northw."sternmost'corner 'of
the puxcel of which this tract was once a: part. thence extending in aitd along
the southornmost dedicated right-of-way line of !'led Tank; Road by ail arc or curve
to tJ'le left having a radius of 337.37 feet, a chord bearinq,of North 77 c3egrees
8 minutes 20 soc:onds East. for an arc distance of 218:82 feet. to, a pin on the
&Outnerrun:>st dedicated. right-Of-way line of Red'l'anl< Jioad.. a1:,Lot No. 3 on the
hereinafter lIlentioruad Plan of Lots; thence depoirtinq ,fran the, southernmost
dedicated right-of__y line and. C!!Xter>:ting- alon;r Lot No~' '3 on the hereinafter
men.t.ionec:1 Plan of Lots. the following- 'two "ecUrses'''ia:1d''distanl:E!s, ' South 8' dec;lrees
29 nu.lUttes 1,) seconds East for a dist:arlce of 291.25 f_t to a, steel pin. thence
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continuinq iUong LOt No.3, South 81 degrees 30 minutes 50 secol"lds. West for a distance
of 171.09 feet to a steel. pin at Lot No. 1 on the hereinafter rrent.1oned Plan <?f .'/,
Lots; thence continuing ,and extendincg along lot No.1, Nor1::h 17 degrees 26 rrunutes'
15 seconds West for a di stance ,of 278.24 feet 1:0 a steel pi n <)n the southOrTll1'Ost
dedicated right-of-way line 'of ReO Tank. Foaa, said pin marking the PlaCG of
BEGINNING. ' ,
CON1'IIINING L198 Peres. and BEING designAted, as let No. 2 on .. Final Plnn of Minor
s~ivj.sion prepared for' Kiroba.. Inc., by ~y Lee Daclter ~ Asscx:iates, dat:ed
July 31, 1979. =d recorded in the Office of the Recorder of I:Cec:1s in and for
~land County. l?eru=ylvani.a. in Plan l3ook. 36, Page 144$.
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HAVING thereon erec:tec:1 a dwe11inq house k.n~ and numbered as 178 Red Tank. Foad.
Boiling Springs, Pennsylvania 17007.
BEING the same pr<omi ses '-'hich were eonveyed by Paul. R. Young. ~I. and Ki m R. . '{~,
his ,..ife. fo:tmer1.y Kim R. Mixe1l. to Paul R. Your:g. II. and Ki,!, R. Younq. his w>fe"
by deed dated January 24. 1986. and rec:onled January 27, 1986, >n CUmb:u:"J,and,
County' Deed book S, vol.. 31, Page 20.
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SUBJBCT, HOWEVER. to the fo11=;n9 restrictions:
1. No> ...,bi1e homes or trailers shall. bo,. placed UlX>n the wi thin descri bed premises.
2. No aceumulatlonof debris. j\IDl<. or unJ.icenscd vehicles shall be maint:aincd,
ulX>" the wi thin described premises.
3. No dwelling ....ith a finished livincg area of less than 1.100 square feet shall
bel constructed on the pre'mises.
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VERIFICATION
FRANK FEDERMAN, ESQUIRE hereby states that he is
attorn~y for Plaintiff in this matter, that he is authorized to
take this verification, and that the statements made in the
foregoing civil Action in Mortgage Foreclosure are true and correct
to the best of his knowledge, information and belief. The
undersigned understands that this statement is made subject to the
penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn
falsification to authorities.
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FEDERMAN AND PHELAN
BY: FRANK FEDERMAN, ESQUIRE
Identification No. 12248
Suite 900
Two Penn Center Plaza
Philadelphia, PA 19102
(215) 563-7000
Attorney for Plaintiff
WASHINGTON MUTUAL BANK
PLAINTI FF
COURT OF COMMON PLEAS
vs.
CUMBERLAND COUNTY
No. 00-2445
KAREN E. GEIDEL
VIRGIL E. GEIDEL
DEFENDANT
PRAECIPE TO SUBSTITUTE VERIFICATION
TO THE PROTHONOTARY:
Kindly substitute the attached Verification with
respect to the Complaint filed in the instant matter.
1-:-~~~
FRANK FEDERMAN, ESQUIRE
Attorney for Plaintiff
Date: April 27, 2000
VERIFlCA TION
Virgilio Andaya hereby states that he is FORECLOSURE SPECIALIST of AMERIQUEST
MORTGAGE COMPANY mortgage servicing agent for Plaintiff in this matter, that he/she is authorized
to take this Verification, and that the statements made in the foregoing Civ.iI Action in Mortgage
Foreclosure are ttUe and correct to the best of his /her kno,,;,le~ge, information and belief. The undersigned
Wlderstands that this statement is made subject to the penalties of 18 Pa, e.s. Sec. 4904 relating to unsworn
falsification to authorities.
COy.
DATE:
00
SHERIFF'S RETURN - REGULAR
-'"
CASE NO: 2000-02445 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
WASHINGTON MUTUAL BANK
VS
GEIDEL KAREN E ET AL
CPL. TIMOTHY REITZ
, Sheriff or Deputy Sheriff of
Cumberland County, Pensyl vania , who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
GEIDEL KAREN E
the
DEFENDANT
, at 0014:45 HOURS, on the 3rd day of May
2000
at 178 RED TANK ROAD
BOILING SPRINGS, PA 17007
by handing to
KAREN E. GEIDEL
a true and attested copy of COMPLAINT - MORT FORE
together with
NOTI CE
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
18.00
4.34
.00
10.00
.00
32.34
So Answers:
~~~J<~'
R. Thomas Kline
me this N<t:
day of,
05/04/2000
FEDERMAN & PHELAN
By: ~~' ~a-
~rilf-
Sworn a,nd subscribed to before
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"', P othonotary,
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SHERIFF'S RETURN - REGULAR
. -,
CASE NO: 2000-02445 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
WASHINGTON MUTUAL BANK
VS
GEIDEL KAREN E 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
GEIDEL VIRGIL E
the
DEFENDANT
, at 0014:45 HOURS, on the 3rd day of May
, 2000
at 178 RED TANK ROAD
BOILING SPRINGS, PA 17007
by handing to
KAREN E. GEIDEL (WIFE)
a true and attested copy of COMPLAINT - MORT FORE
together with
NOTICE
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
6.00
.00
.00
10.00
.00
16.00
~~~e'~~f
R. Thomas Kline
05/04/2000
FEDERMAN & PHELAN
me this. 1S't:!=
day of
Sworn ano."Subscribed to before By:
~ .',. 0lrnJ-0 A.D:
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P ,othonotary ,
-
r
FEDERMAN AND PHELAN
By: FRANK FEDERMAN
IdentifIcation No. 12248
Two Penn Center Plaza - Suite 900
Philadelphia, PA 19102
(215) 563-7000
Attorney for Plaintiff
WASHINGTON MUTUAL BANK
505 SOUTH MAIN STREET, SUITE
6000
ORANGE, CA 92868
: CUMBERLAND COUNTY
: COURT OF COMMON PLEAS
Plaintiff
: CIYlL DIYlSION
vs.
: NO. 00-2445
KAREN E. GEIDEL
VIRGIL E. GEIDEL
178 RED TANK ROAD
BOILING SPRINGS, PA 17007
Defendant(s)
PRAECIPE FOR JUDGMENT FOR FAILURE TO
ANSWER AND ASSESSMENT OF DAMAGES
TO THE PROTHONOTARY:
Kindly enter judgment, in rem, in favor of the Plaintiff and against KAREN E. GEIDEL
and VIRGIL E. GEIDEL, Defendant(s), for failure to fIle an Answer to Plaintiffs Complaint
within 20 days from service thereof and for foreclosure and sale of the mortgaged premises, and
assess Plaintiffs damages as follows:
As set forth in Complaint
Interest 4/1100 to 6/8/00
$96,784.61
$1,596.66
TOTAL
$98,381.27
I hereby certify that (I) the addresses of the Plaintiff and Defendant(s) are as shown above,
and (2) notice has been given in accordance with Rule 237.1, copy attached.
?/1tIM to .1/.IJ./'i/W1/'fl'o../
FRANK FEDERMAN, ESQUIRE
Attorney for Plaintiff
DAMAGES ARE HEREBY ASSESSED AS INDICATED.
DATE:
b .1J.aJ
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PRO PR BY /.e.?--'
**TIllS FIRM IS A DEBT COLLEcrOR ATfEMPTING TO COLLEcr A DEBT AND ANY INFORMATION OBTAINED WILL BE
USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY AND TIllS DEBT WAS
NOT REAFFIRMED, THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLEcr
A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY. ..
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FEDERMAN AND PHELAN
Frank Federman, Esquire
Identification No. 12248
Two Penn Center Plaza
Suite 900
Philadelphia, PA 19102-1799
(215) 563-7000
ATTORNEY FOR PLAINTIFF
WASHINGTON MUTUAL BANK
COURT OF COMMON PLEAS
Plaintiff
CIVIL DIVISION
vs.
CUMBERLAND COUNTY
KAREN E. GEIDEL
VIRGIL E. GEIDEL
NO. 00-2445
Defendant(s)
TO: KAREN E. GEIDEL
178 RED TANK ROAD
BOILING SPRINGS, PA 17007
DATE OF NOTICE: MAY 24. 2000
THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT.
ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. IF
YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS
CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN
ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN
AGAINST PROPERTY.
IMPORTANT NOTICE
You are in default because you have failed enter a written
appearance personally or by attorney and file in writing with the
court your defenses or objections to the claims set forth against
you. Unless you act within ten (10) days from the date of this
notice, a Judgment may be entered against you without a hearing
and you may lose your property or other important rights. You
should take this notice to a lawyer at once. If you do not have a
lawyer or cannot afford one, go to or telephone the following
office to find out where you can get legal help:
CUMBERLAND COUNTY
CUMBERLAND COUNTY BAR ASSOCIATION
2 LIBERTY A VENUE
CARLISLE, PA 17013
(717) 249-3166
Frank Federman, Esquire
Attorney for Plaintiff
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FEDERMAN AND PHELAN
Frank Federman, Esquire
Identification No. 12248
Two Penn Center Plaza
Suite 900
Philadelphia, PA 19102-1799
(215) 563-7000
ATTORNEY FOR PLAINTIFF
WASHINGTON MUTUAL BANK
COURT OF COMMON PLEAS
Plaintiff
CIVIL DIVISION
vs.
CUMBERLAND COUNTY
KAREN E. GEIDEL
VIRGIL E. GEIDEL
NO. 00-2445
Defendant
TO: VIRGIL E. GEIDEL
178 RED TANK ROAD
BOILING SPRINGS, PA 17007
DATE OF NOTICE: MAY 24, 2000
THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT.
THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE
INDEBTEDNESS REFERRED TO HEREIN, AND ANY INFORMATION OBTAINED
FROM YOU WILL BE USED FOR THAT PURPOSE.IF YOU HAVE PREVIOUSLY
RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS
NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A
DEBT, BUT ONLY AS ENFORCEMENT OF LIEN AGAINST PROPERTY.
IMPORTANT NOTICE
You are in default because you have failed enter a written
appearance personally or by attorney and file in writing with the
court your defenses or objections to the claims set forth against
you. Unless you act within ten (10) days from the date of this
notice, a Judgment may be entered against you without a hearing
and you may lose your property or other important rights. You
should take this notice to a lawyer at once. If you do not have a
lawyer or cannot afford one, go to or telephone the following
office to find out where you can get legal help:
CUMBERLAND COUNTY
CUMBERLAND COUNTY BAR ASSOCIATION
2LIBERTY AVENUE
CARLISLE, PA 17013
(717) 249-3166
Frank Federman, Esquire
Attorney for Plaintiff
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FEDERMAN and PHELAN
By: FRANK FEDERMAN
IdentifIcation No. 12248
Suite 900
Two Penn Center Plaza
Philadelphia, PA 19102
(215) 563-7000
Attorney for Plaintiff
W ASIllNGTON MUTUAL BANK
: CUMBERLAND COUNTY
Plaintiff
: Court of Common Pleas
vs.
: CIVIL DIVISION
KAREN E. GEIDEL
VIRGIL E. GEIDEL
: NO. 00-2445
Defendant(s)
VERIFICATION OF NON-MILITARY SERVICE
FRANK FEDERMAN, ESQUIRE, hereby verifIes that he is attorney for the
Plaintiff in the above-captioned matter, and that on information and belief, he has knowledge of the
following facts, to wit:
(a) that the defendant(s) is/are not in the Military or Naval Service of the United
States or its Allies, or otherwise within the provisions of the Soldiers' and Sailors' Civil Relief Act
of Congress of 1940, as amended
(b) that defendant KAREN E. GEIDEL is over 18 years of age and resides at 178
RED TANK ROAD, BOILING SPRINGS,PA 17007.
(c) that defendant VIRGIL E. GEIDEL is over 18 years of age, and resides at 178
RED TANK ROAD, BOILING SPRINGS, PA 17007.
This statement is made subject to the penalties of 18 Pa. CoSo Section 4904 relating
to unsworn falsifIcation to authorities,
f~ I~/WI#M./
FRANK FEDERMAN
Attorney for Plaintiff
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(Rule of Civil Procedure No. 236 - Revised)
W ASIllNGTON MUTUAL BANK
: CUMBERLAND COUNTY
Plaintiff
: Court of Common Pleas
vs.
: CIVIL DIYlSION
KAREN E. GEIDEL
VIRGIL E. GEIDEL
: NO. 00-2445
Defendant(s)
Notice is given that a Judgment in the above captioned matter has been entered against you on
JUNE 'f ,2000.
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By DEPUTY /,kJL-
If you have any questions concerning this matter, please contact:
FRANK FEDERMAN. ESOUIRE
Attorney for Filing Party
SUITE 900
TWO PENN CENTER PLAZA
PHILADELPHIA PA 19102
(215) 563-7000
"TillS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY
RECEIVED A DISCHARGE IN BANKRUPTCY AND TIllS DEBT WAS NOT REAFFIRMED, TIllS IS NOT
AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY
ENFORCEMENT OF A LIEN AGAINST PROPERTY. **
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PRAECIPE FOR WRIT OF EXECUTION - (MORTGAGE FORECLOSURE)
P.R.C.P.3180-3183
WASHINGTON MUTUAL BANK
Plaintiff,
CUMBERLAND COUNTY
v.
No. 00-2445
KAREN E. GEIDEL
VIRGIL E. GEIDEL
Defendant(s).
TO THE DIRECTOR OF THE OFFICE OF THE PROTHONOTARY:
Issue writ of execution in the above matter:
Amount Due
//
$98.381.27 ./
Interest from:6/8/00 -12/6/00
$2.926.77 and Costs
(per diem - $6.17 )
$101.308.04 TOTAL
;It'k ~h~AA
F FED , ESQUIRE
TWO PENN CENTER PLAZA
SUITE 900
PHILADELPHIA, PA 19102
Attorney for Plaintiff
Note: Please attach description of property.No.
.
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DESCRIPTION
ALL the following described real estate, together with the improvements thereon erected, lying and
being situate in South Middleton Township, Cumberland County, Permsylvania, bounded and limited
as follows:
BEGINNlNG at a steel pin set on the southernmost dedicated right-of-way line of Red Tank Road, also
known as Township Road T-542, said pin marking the point of joinder of the line which extends
between Lots No. 1 and 2 on the hereinafter mentioned subdivision with said dedicated right-of-way
line, and said pin also being located South 84 degrees 16 minutes 50 seconds East for a distance of
240.89 feet from a concrete monument which marks the northwesternmost comer of the parcel of
which this tract was once a part; thence extending in and along the southernmost dedicated right-of-
way line of Red Tank Road by iIl1 arc of curve to the left having a radius of 337,37 feet, a chord bearing
of North 77 degrees 8 minutes 20 seconds East, for an arc distance of218.82 feet to a pin on the
southernmost dedicated right-of-way line of Red Tank Road, at Lot No, 3 on the hereinafter mentioned
Plan of Lots; thence departing from the southernmost dedicated right-of-way line and extending along
Lot No.3 on the hereinafter mentioned Plan of Lots, the following two courses and distances: South 8
degrees 29 minutes 10 seconds East for a distance of 291.25 feet to a steel pin; thence continuing along
Lot No.3, South 81 degrees 30 minutes 50 seconds West for a distance of 171.09 feet to a steel pin at
Lot No. I on the hereinafter mentioned Plan of Lots; thence continuing and extending along Lot No, 1,
North 17 degrees 26 minutes 15 seconds West for a distance of278,24 feet to a steel pin on the
southernmost dedicated right-of-way line of Red Tank Road, said pin marking the Place of
BEGINNING.
CONTAINING 1.198 Acres, and BEING designated as Lot No. 2 on a Final Plan of Minor Subdivision
prepared fro Kimba, Inc., by Rodney Lee Decker & Associates, dated July 31, 1979, and recorded in
the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Plan Book 36,
Page 146.
HAVING thereon erected a dwelling house known and numbered as 178 Red Tank Road, Boiling
Springs, Pennsylvania 17007.
TAX PARCEL NUMBER: 40-12-0342-033B
TITLE TO SAID PREMISES IS VESTED IN Virgil E. Geidel and Karen E. Geidel, his wife by
Deed from Paul R Young, II and Kim R Young, his wife dated 1/26/87 recorded 1/30/87 in Deed
Book "L", Volume 32 Page 941.
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WASHINGTON MUTUAL BANK
CUMBERLAND COUNTY
Plaintiff,
v.
COURT OF COMMON PLEAS
KAREN E. GEIDEL
VIRGIL E. GEIDEL
CIVIL DIVISION
NO. 00-2445
Defendant(s).
AFFIDAVIT PURSUANT TO RULE 3129
(AffIdavit No, I)
WASHINGTON MUTUAL BANK, Plaintiff in the above action, by its attorney, FRANK
FEDERMAN, ESQUIRE, sets forth as of the date the Praecipe for the Writ of Execution was fIled the
following information concerning the real property located at 178 RED TANK ROAD, BOILING
SPRINGS, PA 17007.
1. Name and address ofOwner(s) orreputed Owner(s):
NAME LAST KNOWN ADDRESS (If address cannot be
reasonably ascertained, please so indicate.)
KAREN E. GEIDEL
178 RED TANK ROAD
BOILING SPRINGS, PA 17007
VIRGIL E. GEIDEL
178 RED TANK ROAD
BOILING SPRINGS, PA 17007
2. Name and address ofDefendant(s) in the judgment:
NAME LAST KNOWN ADDRESS (If address cannot be
reasonably ascertained, please so indicate.)
Same as above
3. Name and address of every judgment creditor whose judgment is a record lien on the real
property to be sold:
NAME
LAST KNOWN ADDRESS (If address cannot be
reasonably ascertained, please so indicate.)
None
,,;
.
4. Name and address of the last recorded holder of every mortgage of record:
NAME
LAST KNOWN ADDRESS (If address cannot be
reasonably ascertained, please so indicate.)
None
5. Name and address of every other person who has any record lien on the property:
NAME
LAST KNOWN ADDRESS (If address cannot be
reasonably ascertained, please so indicate.)
None
6. Name and address of every other person who has any record interest in the property and whose
interest may be affected by the sale:
NAME
LAST KNOWN ADDRESS (If address cannot be
reasonably ascertained, please so indicate.)
None
7. Name and address of every other person whom the plaintiff has knowledge who has any interest
in the property, which may be affected by the sale:
NAME LAST KNOWN ADDRESS (If address cannot be
reasonably ascertained, please so indicate.)
Tenant/Occupant
178 RED TANK ROAD
BOILING SPRINGS, P A 17007
Domestic Relations of
Cumberland County
13 North Hanover Street
Carlisle, P A 17013
I verify that the statements made in this affIdavit are true and correct to the best of my personal
knowledge or information and belief. I understand that false statements herein are made subject to the
penalties of 18 Pa. CoSo Sec. 4904 relating to unsworn falsifIcation to authorities.
August 22. 2000
DATE
2~~.~
FRANK FEDE AN, ESQUIRE
Attorney for Plaintiff
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WASHINGTON MUTUAL BANK
Plaintiff,
CUMBERLAND COUNTY
v.
No. 00-2445
KAREN E. GEIDEL
VIRGIL E. GEIDEL
Defendant(s).
August 22, 2000
TO: KAREN E. GEIDEL
VIRGIL E. GEIDEL
178 RED TANK ROAD
BOILING SPRINGS, PA 17007
""THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION
OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN
BANKRUPTCY AND TillS DEBT WAS NOT REAFFIRMED, TillS IS NOT AND SHOULD NOT BE CONSTRUED
TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY.""
Your house (real estate) at 178 RED TANK ROAD, BOILING SPRINGS, P A 17007, is
scheduled to be sold at the Sheriffs Sale on DECEMBER 6, 2000 at 10:00 a.m. in the Cumberland
County Courhtouse , South Hanover Street, Carlisle, P A 17013, to enforce the court judgment obtained
by WASHINGTON MUTUAL BANK (the mortgagee) against you. If the Sheriff's sale is postponed,
the property will be relisted for the _MARCH 7, 2001 Sheriff s Sale.
NOTICE OF OWNER'S RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriffs Sale, you must take immediate action:
1. The sale will be cancelled if you pay to the mortgagee the back payments, late charges,
costs and reasonable attorney's fees due. To fInd out how much you must pay, you may
call: (215) 563-7000.
2. You may be able to stop the sale by fIling a petition asking the Court to strike or open the
judgment, if the judgment was improperly entered. You may also ask the Court to
postpone the sale for good cause.
3. You may also be able to stop the sale through other legal proceedings.
~Oj
You may need an attorney to assert your rights. The sooner you contact one, the more chance
you will have of stopping the sale. (See notice on page two on how to obtain an attorney.)
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER
RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE.
1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may
fInd out the price bid by calling (215) 563-7000.
2. You may be able to petition the Court to set aside the sale if the bid price was grossly
inadequate compared to the value of your property.
3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To
fInd out if this has happened, you may call (717) 240-6390.
4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the
property as if the sale never happened.
5. You have the right to remain in the property until the full amount due is paid to the Sheriff
and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict
you.
6. You may be entitled to a share of the money which was paid for your house. A schedule of
distribution of the money bid for your house will be fIled by the Sheriff within 30 days of the sale. This
schedule will state who will be receiving that money. The money will be paid out in accordance with
this schedule unless exceptions (reasons why the proposed distribution is wrong) are fIled with the
Sheriff within ten (10) days after the distribution is fIled.
7. You may also have other rights and defenses, or ways of getting your home back, if you act
immediately after the sale.
YOU SHOULD TAKE TillS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HA YE
A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED
BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY ATTORNEY REFERRAL
CUMBERLAND COUNTY BAR ASSOCIATION
2 LIBERTY AVENUE
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013
(717) 249-3166
(800) 990-9108
" ..
~
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DESCRIPTION
ALL the following described real estate, together with the improvements thereon erected, lying and
being situate in South Middleton Township, Cumberland County, Pennsylvania, bounded and limited
as follows:
BEGINNING at a steel pin set on the southernmost dedicated right-of-way line of Red Tank Road, also
known as Township Road T-542, said pin marking the point of joinder of the line which extends
between Lots No.1 and 2 on the hereinafter mentioned subdivision with said dedicated right-of-way
line, and said pin also being located South 84 degrees 16 minutes 50 seconds East for a distance of
240.89 feet from a concrete monument which marks the northwesternmost comer of the parcel of
which this tract was once a part; thence extending in and along the southernmost dedicated right-of-
way line of Red Tank Road by an arc of curve to the left having a radius of 337.37 feet, a chord bearing
of North 77 degrees 8 minutes 20 seconds East, for an arc distance of218.82 feet to a pin on the
southernmost dedicated right-of-way line of Red Tank Road, at Lot No, 3 on the hereinafter mentioned
Plan of Lots; thence departing from the southernmost dedicated right-of-way line and extending along
Lot No.3 on the hereinafter mentioned Plan of Lots, the following two courses and distances: South 8
degrees 29 minutes 10 seconds East for a distance of 291.25 feet to a steel pin; thence continuing along
Lot No.3, South 81 degrees 30 minutes 50 seconds West for a distance of 171.09 feet to a steel pin at
Lot No. I on the hereinafter mentioned Plan of Lots; thence continuing and extending along Lot No, 1,
North 17 degrees 26 minutes 15 seconds West for a distance of278.24 feet to a steel pin on the
southernmost dedicated right-of-way line of Red Tank Road, said pin marking the Place of
BEGINNING.
CONTAINING 1.198 Acres, and BEING designated as Lot No.2 on a Final Plan of Minor Subdivision
prepared fro Kimba, Inc., by Rodney Lee Decker & Associates, dated July 31, 1979, and recorded in
the Office of the Recorder of Deeds in and for CUIIiberland County, Pennsylvania, in Plan Book 36,
Page 146.
HAVING thereon erected a dwelling house known and numbered as 178 Red Tank Road, Boiling
Springs, Permsylvania 17007.
TAX PARCEL NUMBER: 40-12-0342-033B
TITLE TO SAID PREMISES IS VESTED IN Virgil E. Geidel and Karen E. Geidel, his wife by
Deed from Paul R. Young, II and Kim R. Young, his wife dated 1/26/87 recorded 1/30/87 in Deed
Book "L", Volume 32 Page 941.
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FEDE~andPHELAN
By: FRANK FEDE~
Identification No. 12248
Suite 900
Two Penn Center Plaza
Philadelphia, PA 19102
(215) 563-7000
ATTORNEY FOR PLAINTIFF
WASHINGTON MUTUAL BANK
Plaintiff,
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
V.
CIVIL DIVISION
KAREN E. GEIDEL
VIRGIL E. GEIDEL
NO. 00-2445
Defendant(s).
CERTIFICATION
FRANK FEDERMAN, ESQUIRE, hereby verifIes that he is attorney for the Plaintiff in
the above-captioned matter, and that the premises are not subject to the provisions of Act 91
because it is:
() an FHA mortgage
() non-owner occupied
() vacant
(X) Act 91 procedures have been fulfIlled
This certifIcation is made subject to the penalties of 18 Pa. CoSo Section 4904 relating to unsworn
falsifIcation to authorities.
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
WASHINGTON MUTUAL BANK
Plaintiff
CIVIL DIVISION
vs.
No. 00-2445
KAREN E. GEIDEL
VIRGIL E. GEIDEL
Defendants
AFFIDAVIT OF SERVICE PURSUANT TO RULE 3129
COMMONWEALTH OF PENNSYLVANIA
SS:
CUMBERLAND COUNTY
I, FRANK FEDERMAN, ESQ., attorney for WASHINGTON MUTUAL
BANK, hereby verify that on AUGUST 25, 2000, true and correct copies of the Notice of
Sheriffs Sale were served by certificate of mailing to the recorded lienholder(s), and any
known interested party, see Exhibit "A" attached hereto, and the Notice of Sale was
sent to defendant(s) on AUGUST 25,2000 by first class mail and certified mail return
receipt requested, see Exhibit "B" attached hereto.
ERMAN, ESQUIRE
r Plaintiff
Date: November 1, 2000
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3. Article Addressed to:
VIRGIL E. GEIDEL
178 RED TANK ROAD
BOILING SPRINGS, PA 17007
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" 178REDTANKROAD
~ BOILING SPRINGS, PA 17007
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I also wish to receive the
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4b. Service Type jgJ CERTlI'IED
7. Date of Delivery
8. Addressee" Address
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TO:
VIRGIL E. GEIDEL
178 RED TANK ROAD
BOILING SPRINGS, P A 17007
SENDER:
REFERENCE:
DMK
SALES
PS FORM 3800 SEPTEMBER 1995
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RETURN
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TO:
P"969 056107
KAREN E. GEIDEL
178 RED TANK ROAD
BOILING SPRINGS, PA 17007
SENDER:
REFERENCE:
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SALES
PS FORM 3800 SEPTEMBER 1995
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Receipt for
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Washington Mutual Bank
-vs-
Karen E. Geidel Virgil E.Geidel
In The Court of Common Pleas of
Cumberland County, Pennsylvania
No. 2000-2445 Civil
R. Thomas Kline, Sheriff, who being duly sworn according to law, says this writ
is returned STAYED.
Sheriff's Costs:
Docketing
Poundage
Advertising
Posting Bills
Law Library
County
Mileage
Certified Mail
Levy
Postpone Sale
Surcharge
Share of Bills
Law Journal
Patriot News
30.00
18.25
15,00
15.00
.50
1.00
7.44
2.98
15.00
20.00
30.00
23.15
428.15
324.15
$ 930.62 Paid by atty
12/01/00
Sworn and subscribed to before me
~rs: ~
, ,/~e
II
R Thomas Kline, Sheriff
This .2)""", day of /..!)p.lO M< fl." ,)
2000, A.D. Qtl(. Q /'h/Pd,. 1 ?4'
P 0 onotary
BYiJt..~~
Real Estate Deputy
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WASHINGTON MUTUAL BANK
CUMBERLAND COUNTY
Plaintiff,
v.
COURT OF COMMON PLEAS
KAREN E. GEIDEL
VIRGIL E. GEIDEL
CIVIL DIVISION
NO. 00-2445
Defendant(s).
AFFIDAVIT PURSUANT TO RULE 3129
(AffIdavit No. I)
WASHINGTON MUTUAL BANK, Plaintiff in the above action, by its attorney, FRANK
FEDERMAN, ESQUIRE, sets forth as of the date the Praecipe for the Writ of Execution was fIled the
following information concerning the real property located at 178 RED TANK ROAD, BOILING
SPRINGS. PA 17007.
1. Name and address ofOwner(s) or reputed Owner(s):
NAME LAST KNOWN ADDRESS (If address cannot be
reasonably ascertained, please so indicate.) ,
KAREN E. GEIDEL
178 RED TANK ROAD
BOILING SPRINGS, PA 17007
VIRGIL E. GEIDEL
178 RED TANK ROAD
BOILING SPRINGS, PA 17007
2. Name and address ofDefendant(s) in the judgment:
NAME LAST KNOWN ADDRESS (If address cannot be
reasonably ascertained, please so indicate.)
Same as above
3, Name and address of every judgment creditor whose judgment is a record lien on the real
property to be sold:
NAME
LAST KNOWN ADDRESS (If address cannot be
reasonably ascertained, please so indicate.)
None
-
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4. Name and address of the last recorded holder of every mortgage of record:
NAME
LAST KNOWN ADDRESS (If address cannot be
reasonably ascertained, please so indicate.)
I
,
!
None
5. Name and address of every other person who has any record lien on the property:
NAME LAST KNOWN ADDRESS (If address cannot be
reasonably ascertained, please so indicate.)
None
6. Name and address of every other person who has any record interest in the property and whose
interest may be affected by the sale:
NAME
LAST KNOWN ADDRESS (If address cannot be
reasonably ascertained, please so indicate.)
None
7. Name and address of every other person whom the plaintiff has knowledge who has any interest
in the property, which may be affected by the sale:
NAME LAST KNOWN ADDRESS (If address cannot be
reasonably ascertained, please so indicate.)
Tenant/Occupant
178 RED TANK ROAD
BOILING SPRINGS, P A 17007
Domestic Relations of
Cumberland County
13 North Hanover Street
Carlisle, PA 17013
I verify that the statements made in this affIdavit are true and correct to the best of my personal
knowledge or information and belief. I understand that false statements herein are made subject to the
penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsifIcation to authorities.
August 22. 2000
DATE
FRANK FEDE AN, ESQUIRE
Attorney for Plaintiff
:ul~"-
,
~ ,
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,
,
WASHINGTON MUTUAL BANK
Plaintiff,
CUMBERLAND COUNTY
v.
No. 00-2445
KAREN E. GEIDEL
VIRGIL E. GEIDEL
Defendant(s).
August 22, 2000
TO: KAREN E. GEIDEL
VIRGIL E. GEIDEL
178 RED TANK ROAD
BOILING SPRINGS, P A 17007
""THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION
OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU HA VE PREVIOUSLY RECEIVED A DISCHARGE IN
BANKRUPTCY AND THIS DEBT WAS NOT REAFFIRMED, THIS IS NOT AND SHOULD NOT BE CONSTRUED
TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY.""
Your house (real estate) at 178 RED TANK ROAD, BOILING SPRINGS. PA 17007, is
scheduled to be sold at the Sheriffs Sale on DECEMBER 6. 2000 at 10:00 a.m. in the Cumberland
County Courhtouse, South Hanover Street, Carlisle, PA 17013, to enforce the court judgment obtained
by WASHINGTON MUTUAL BANK (the mortgagee) against you. If the Sheriffs sale is postponed,
the property will be relisted for the _MARCH 7, 200 I Sheriff s Sale.
NOTICE OF OWNER'S RIGHTS
YOU MAYBE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriffs Sale, you must take immediate action:
1. The sale will be cancelled if you pay to the mortgagee the back payments, 'late charges,
costs and reasonable attorney's fees due. To fInd out how much you must pay, you may
call: (215) 563-7000.
2. You may be able to stop the sale by fIling a petition asking the Court to strike or open the
judgment, if the judgment was improperly entered. You may also ask the Court to
postpone the sale for good cause.
3. You may also be able to stop the sale through other legal proceedings.
~~ "' " .,
""";,1:1-.!
.
You may need an attorney to assert your rights. The sooner you contact one, the more chance
you will have of stopping the sale. (See notice on page two on how to obtain an attorney.)
i
~: I
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER
RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE.
1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may
fInd out the price bid by calling (215) 563-7000.
3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To
find out if this has happened, you may call (717) 240-6390.
I
t
I
2. You may be able to petition the Court to set aside the sale if the bid price was grossly
inadequate compared to the value of your property.
4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the
property as if the sale never happened.
5. You have the right to remain in the property until the full amount due is paid to the Sheriff
and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict
you.
6. You may be entitled to a share of the money which was paid for your house. A schedule of
distribution of the money bid for your house will be fIled by the Sheriff within 30 days of the sale. This
schedule will state who will be receiving that money. The money will be paid out in accordance with
this schedule unless exceptions (reasons why the proposed distribution is wrong) are fIled with the
Sheriff within ten (10) days after the distribution is fIled.
7. You may also have other rights and defenses, or ways of getting your home back, if you act
immediately after the sale.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE
A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED
BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY ATTORNEY REFERRAL
CUMBERLAND COUNTY BAR ASSOCIATION
2 LIBERTY AVENUE
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, P A 17013
(717) 249-3166
(800) 990-9108
,
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DESCRIPTION
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ALL the following described real estate, together with the improvements thereon erected, lying and
being situate in South Middleton Township, Cumberland County, Permsy1vania, bounded and limited
as follows:
I
I
,
I
I
i
!i
BEGINNlNG at a steel pin set on the southernmost dedicated right-of-way line of Red Tank Road, also
known as Township Road T-542, said pin marking the point of joinder of the line which extends
between Lots No, 1 and 2 on the hereinafter mentioned subdivision with said dedicated right-of-way
line, and said pin also being located South 84 degrees 16 minutes 50 seconds East for a distance of
240.89 feet from a concrete monument which marks the northwesternmost comer of the parcel of
which this tract was once a part; thence extending in and along the southernmost dedicated right-of-
way line of Red Tank Road by an arc of curve to the left having a radius of337.37 feet, a chord bearing
of North 77 degrees 8 minutes 20 seconds East, for an arc distance of 218.82 feetto a pin on the
southernmost dedicated right-of-way line of Red Tank Road, at Lot No.3 on the hereinafter mentioned
Plan of Lots; thence departing from the southernmost dedicated right-of-way line and extending along
Lot No, 3 on the hereinafter mentioned Plan of Lots, the following two courses and distances: South 8
degrees 29 minutes 10 seconds East for a distance of 291.25 feet to a steel pin; thence continuing along
Lot No.3, South 81 degrees 30 minutes 50 seconds West for a distance of 171.09 feet to a steel pin at
Lot No. I on the hereinafter mentioned Plan of Lots; thence continuing and extending along Lot No.1,
North 17 degrees 26 minutes 15 seconds West for a distance of278.24 feet to a steel pin on the
southernmost dedicated right-of-way line of Red Tank Road, said pin marking the Place of
BEGINNING,
I
I
I
I
1
I
I
I
CONTAINING 1,198 Acres, and BEING designated as Lot No. 2 on a Final Plan of Minor Subdivision
prepared fro Kimba, Inc., by Rodney Lee Decker & Associates, dated July 31, 1979, and recorded in
the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Plan Book 36,
Page 146.
HA VlNG thereon erected a dwelling house known and numbered as 178 Red Tank Road, Boiling
Springs, Pennsylvania 17007.
TAX PARCEL NUMBER: 40-l2-0342-033B
TITLE TO SAID PREMISES IS VESTED IN Virgil E. Geidel and Karen E. Geidel, his wife by
Deed from Paul R. Young, IT and Kim R. Young, his wife dated 1/26/87 recorded 1/30/87 in Deed
Book "L", Volume 32 Page 941.
--
"'.,;'
.
WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO,
00-2445 CIVIL 19
CIVIL ACTION - LAW
TO THE SHERIFF OF
CUMBERLAND
COUNTY:
Washington Mutual Bank
To satisfy the debt, interest and costs due
PLAINTIFF(S)
from Karen E. & Virgil E. Geidel, 178 REd Tank Road, Boiling Springs PA
17007.
DEFENDANT(S)
(1) You are directed to levy upon the property of the defendant(s) and to sell Real estate located
at 178 Red Tank Road, Boiling Springs PA 17007 (Se~ attached legal
descriptio:Il~ )
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(2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of
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GARNISHEE(S) as follows:
and to notKy the garnishee(s) that: (a) an al~~bHment has been issued; (b) the garnishee(s) is/are enjoined from paying any
debt to or for the account of the defendant(s) and from delivering any property of the defendant(s) or otherwise disposing
thereof;
, _ ,', '_,. '''':''~''~'''''"",..' .. ^'-- . ,
(3) If property ofthe deiendant(s) not levied upon an subject to attachment is found in the possession of anyone other
than a named garnishee, you are directed to notify him/herthat he/she has been added as a garnishee and is enjoined as above
stated,
Amount Due $98,381.27
I 6/8/00 - 12/6/00
nterest
$2,926.77
L.L.
Due Prothy
Other Costs
$.50
$1.00
Atty's Comm
Atty Paid
Plaintiff Paid
%
$120.34
Date:
August 25, 2000
CURTIS R. LONG
. Civil Division
by:
Deputy
REQUESTING PARTY:
Name Frank Federman, Esquixe
Address: Two Penn Center Plaza, Ste. 900
Philadelphia PA 19102
Attorney for: Plaintiff
Telephone: (215) 563-7000
Supreme Court ID No. 12248
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REAL ESTATE SALE NO'. if'
On ~ 31, ~rO the sheriff levied upon Ute d8f8ndams
interest in the real property situated in t..-A /L4'If/:LJit~~~
Cumberland County, Pa, knl"^"~nd numbered as: }7~ /;J/-;{.-AI t-.I.-
~t2Arif"i/? aM more "icribed on exhibit "A" flied with
this wrtt and Oy this reference incorporated herein.
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