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Home My WebLink About00-02487 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 Bankers Trust Company of California, N.A. as trustee under the Pooling and Servicing Agreement dated as of September 1,1999 Bear Stearns Asset- Backed Securities. Inc. Asset-Backed Certificatees Series 1999-5 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 Plaintiff v. Edward F. Semanko 1717 Peyton Randolph Court New Cumberland, PA 17070 Defendant (s), "- , , ~ ATTORNEY FOR PLAINTIFF . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE : NO. 00-2487 civil term PRAECIPE FOR WRIT OF EXECUTION TO THE SHERIFF: Issue Writ of Execution in the above matter: 1717 Peyton Randolph Court New Cumberland, PA 17070 Amount due $63.027.72 Interest From August 23. 2000 to Date of Sale December 6, 2000 Per diem @$17.02 (Costs to be added) 1. 804 .12 $ CIATES Mark J. U ren, ESQUIRE ATTORNE FOR PLAINTIFF ~ilJUliJjj~.~lifliiIm.il~Mltili<l~"o>:lt!~~lj"",,,,,,,,,,,~=,,",",,,,,,l>JR\jj>~'-"~*'t__\t\~lMi~~~iit!l~"'- a -=-" ~. Jif(!.~ ~~ .... .iq ~ ~ '-.l..o-t:t i.Q 6' - fI't 8 C- . . ~ . r .~ ...... ~ C' J..; 11 0 i-, "1 .l: 0 0 -.J \ ()C()~ ""'\) 0 () "" r- ~ I , j ~ w r- I ~~ -J ~ - :; - - ... ... , - - ... ~~ - ... - - - - - . 1- ~ >,--- ~ --- ........:1 Im - , .- ... ~- o ~ "DO:, nlr"; ;> ~," 2:pJ (0'>.,. ;:;;;; !f ;: :~':) 5>. 0 '-. f;: JO- < ~ ;:; <::::l <::::l b> G~ "'.:> '.0 c) -Tj 0-;",.:, ;~7 , , ',- ,~> ,~:~j ,() '-.._) , 'i :;z:,.,:' .J:J -< . =. -:,1 ALL THAT CE~ LOT OR P:tECE OF LAND S:tWA!L'E IN LOWER ALLEN TOWNSH:tP, CllMIlEllLANIl COUN!L'Y, PENNSnV:AN:tA" BOUNDED AND DESCRJ:BED AS FOLLOWS, TO WJ:T: BEG:tNN:nTG Nr A PO=, SAID PO= BEING LOCA!L'ED THE FOLLOWJ:NG N:tNE COURSES AND DJ:S'I'ANCES FROM li'ERnIE!L'ER COORDDlA!I?E 6 AS HOWN ON THE AS ";=T I'LlIN REFEREN= IlEREJ:N; (1) BY A CURVE TO THE LEFT HAVJ:NG A IlAD:IUS OF 351.97 FEET, AN ARC DJ:STANCE OF 88.75 FEET TO A FO= AT THE =ElISEcnON OF CAJ1J:TOL VJ:EW DIUVE AND Tll!: CENTER LINE OF PEnON RANDOLFH COUR!r; (2) ALONG THE CENTER L:tNE OF li'EYTON RANDOLPH C01la!L', SOUTll 20 DeGREES 02 M:tNtl'rES 43 SECONDS EAST, A DJ:STANCE OF 143.0 FEET; (3) SOUTH 25 DEGREES 57 ~ES 17 SECONDS WEST, A DJ:STANCE OF 87.0 FEET; (4) SOUTH 67 DEGIlEES 27 MJ:NOTl!:S 17 SECONDS WEST, A DJ:STANCE OF 96.0 FEET; (5) NOR!L'll 51 I;lEGREES 02 M:tNtl'rES 43 SECONDS WEST, A DJ:STANCE OF 12.28 'FEET; {6l SOUTH 26 DEGBEES 44 ~ES 40 SECONDS WEST, A DJ:STANCE or 53.84 FEET TO A FO= ON THE EASTERNMOST CORNER OF LOT 41; (7) NoaTH 63 DEGREES 15 N:tNU'l1ES 20 SECONDS 'l'lES'l!,A D:tSTANCE OF 26.0 FEE'l!; (S) NORTH 26 DEGREES 44 M:tNU!L'ES 40 SECONDS EAS'l!, A D:tS'l!ANCE OF 4.0 FEET; {9l NoaTH 63 DEGREES 15 N:tNU'l1ES ~o SECONDS 'l'lES'l!,' A D:tS'I'ANCE OF 40.0 FEET 'l!O A FO:tF.!! ON THE DJ:VJ:DING L:tNE BETWEEN LOT 43 AND 44, SAID FO= BEING THE FO= AND PLACE OF BEG:tmlJ:NG; THENCE CONTINUmG ALONG THE SAID DJ:VJ:D:tNG LnlE AND FASS:tNG.'l1liB.OUGH THE CENTER L:tNE OF A FARon WALL D:tVJ:D:tNG UN:tT 43 AND 44, SOUTH 26 ,DEGREES 44 MJ:NUTES 40 SECONDS WEST, A D:tSTANClj1 OF 24.0 FEET TO A FO:tNT; !L'liENCE NORTH 63 DEGREES 15 MJ:NUTES 20 SECONDS w2ST, A D:tSTANCE OF 26 FEET TO A FomT; !L'llENCE NOMlH 26 DEGREES 44 M:rNTJ'l!ES 40' SECONDS EAST, A DJ:S'I'ANCE OF 24 FEET 'l!0 A PO=; 'l!HENCE SOlJ'l'H 63 DEGilEES 15 MJ:NUTES 20 SECONDS EAS!t', A DJ:STANCE OF 26 FEET TO A 1'0= ON THE DJ:VJ:DmG L:INE BETWEEN LO'l! 43 AND 44, SAl:D FO= BE:tNG Tll!: 1?O:tF.!! AND FLACE OF BEG:tmlJ:NG. BEING KNOWN AS 1717 PEYTON RANDOLPH, NEW CUMBERLAND, PA PROPERTY ID NO. 13-25-0008-264 TITLE TO SAID. PREMISES IS VESTED IN EDWARD F. S=:O'HI~I:~~~ Y DEED FROM JASON A. YEAKLE AND LINDSEY J. Y , ;~~~~N3~31/1999 AND RECORDED 4/1/1999 IN DEED BOOK 196 PAGE 909 - 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 Bankers Trust Company of California, N.A. as trustee under the Pooling and Servicing Agreement dated as of September 1,1999 Bear Stearns Asset-Backed Securities. Inc. Asset-Backed Certificatees Series 1999-5 909 Hidden Ridge brive, Suite 200 Irving, TX 75038 Plaintiff v. Edward F. Semanko 1717 Peyton Randolph Court New Cumberland, PA 17070 Defendant(s) "-,,,<.\ ATTORNEY FOR PLAINTIFF . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County . : MORTGAGE FORECLOSURE : NO. 00-2487 civil term C E R T I F I CAT E Mark J. Udren, Esquire, hereby states that he is the 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 insured mortgage Non-owner occupied Vacant X Act 91 procedures have been fulfilled. Over 24 months delinquent. This certification is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. MARK J. Mark J. Udren, ESQUIRE ATTORNE FOR PLAINTIFF ;jkoll~~~;@iI.t!.~~;j(;'~k~li!1Il'>ro!l'l;.~;:9r~~"'W;''';'Oi1~'j,;;;.~1."''jtw:!<.~,'~'iif~~~~,.. ~.'3.IiIIllaiIHnl""'" ~ . () 0 c: 0 \ ,.~, s: b '" "1Jev m~.. ~ ~:fJ ci=5 "t ~0 c75(;: i'..) -'.-:,:-.'''[ --<:---;,- ,~ ~.:,:! ~.:J r:: t-; ~ ~, ~ :::0 -:-.~ ~:;; Z() ";:cO .....c.;' , -S J-;::- 2:5f ) '; r._ .~ =< f\) -<: ~ 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 Bankers Trust, Company of California, N.A. as trustee under the Pooling and Servicing Agreement dat~d as of September 1,1999 Bear Stearns Asset- Backed Securities. Inc. Asset-Backed Certificatees Series 1999-5 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 Plaintiff ATTORNEY FOR PLAINTIFF . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE v. Edward F. Semanko 1717 Peyton Randolph Court New Cumberland, PA 17070 Defendant(s) : NO. 00-2487 civil term AFFIDAVIT PURSUANT TO RULE 3129.1 Bankers Trust Company of California, N.A. as trustee under the Pooling and Servicing Agreement dated as of September 1,1999 Bear Stearns Asset- Backed Securities. Inc. Asset-Backed Certificatees Series 1999-5, Plaintiff in the above action, by its attorney, Mark J" Udren, ESQ., sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at: 1717 Peyton Randolph Court, New Cumberland, PA 17070 1. Name and address of Owner(s) or reputed Owner(s) : Name Address EDWARD F. SEMANKO 1717 PEYTON RANDOLPH COURT, NEW CUMBERLAND, PA 17070 2. Name and address of Defendant(s) in the judgment: Name Address SAME AS # 1 ABOVE 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address NONE 4. Name and address of the last recorded holder of every mortgage of record: Name Address Plaintiff herein. See Caption above. .'- , ~, " . __1_ N ,,-I ,I 'I iI [! - 5. Name ,and address of every other person who has any record lien on the property: Name Address HUNTER'S RIDGE HOMEOWNERS' ASSOCIATION 1405 HARWICH COURT, NEW CUMBERLAND, PA 17070 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 Address REAL ESTATE TAX DEPT. 1 COURTHOUSE SQ., CARLISLE, PA 17013 Domestic Relations Section 13 N. HANOVER ST., CARLISLE, PA 17013 Commonwealth of PA, Department of Revenue Bureau of Compliance, Dept. 280946 Harrisburg, PA 17128-0946 7. Name and address of every knowledge who has any interest the sale: Name other person of whom the plaintiff has in the property which may be affected by Address Tenants/Occupants 1717 Peyton Randolph Court, New Cumberland, PA 17070 STEVEN HOWELL, ESQ. 619 BRIDGE ST., NEW CUMBERLAND, PA 17070 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. MARK J. UDREN & ASSOCIATES DATED: August 22, 2000 Mark J. Attorne, -~, , ~.~i . ' ,~ijJNll iBJ 2~~illW -, MARK J. WREN & ASSOCIATES BY: MARK J. WREN, ESQUIRE ATTY I.D. NO. 04302 . 1040 N. KINGS IDGHWAY, SUITE 500 CHERRY IllLL, NJ 08034 856-482-6900 Bankers Trust Company of California, N .A. as trustee ATTORNEY FOR PLAINTIFF Plaintiff : COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County v. EdwardF. Semanko Defendant(s) . : NO. 00-2487 civil term ORDER . /)O+h l:'. r AND NOW, thiS ^ day of ..JU.Ne. , 20 0 0 ,upon consideration of Plaintiff's Motion and the Affidavit of Good Faith investigation attached hereto, it is hereby ORDERED that service of the Complaint in Mortgage Foreclosure and all subsequent pleadings on Defendant(s), Edward F. Semanko, shall be complete when Plaintiff or its counselor agent has mailed true and correct copies of the Complaint in Mortgage Foreclosure and all subsequent pleadings by certified mail and regular mail to the last known address of Defendant(s) , Edward F. Semanko at 1717 Peyton Randolph Court, New Cumberland, PA 17070 and by posting the mortgaged premises at 1717 Peyton Randolph Court, new Cumberland, PA 17070. BY THE COURT: IsJ -ffUt~ d -df>/l) J. J """';0 ,-,'"\~V f"O" l'lD::c,..,n.... ~ . '. '~, ,,,-, '." ,., ~ iJ :r'\L iY1 i1\.t:. .......Pi.:i..J 'Co .. tm T .::~.~tim'x.,y vAE~teot i here un-in set mv hand 'ar.d 'rho seal of ,aid Court at Carli:;ie, Pa: Th-' IJ~J """AI,. /T7"l .p."...6.:"..... '11L~~"":.., ' .....v. Z~ . m11p~=~~ i Ml~00!~~~lti.mm..H,~klI;,IWl1E,j,i"l.ifliU!'!~Mi~'#0'l',,"",,l;i;o-~~ll.~~~~lol- flV'lO.llll'~ ~-~~~~_..--" ~~.."~ ""'""iJ () C ? -Ow ITJr~' 2-':"- -,...-,,) ~C (/) a'~ :<4.' ~C d::C' ~..: -<' >2= z =< ~~ . . ~. o a :z:". c:: :;") r'0 '.0 () ~'j -j ~ --:- f :";7J , " ''-\1 ..c:) '\ , '::;c:) ,~;,~;~ O"'i :~ ~ -< co --..~ .-,,, c- r", !'; - ~~ . ~ _J~ " ~"" '- l 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 Bankers Trust Company of California, N.A. as trustee under the Pooling and Servicing Agreement dated as of September 1,1999 Bear Stearns Asset- Backed Securities. Inc. Asset-Backed Certificatees Series 1999-5 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 Plaintiff ATTORNEY FOR PLAINTIFF . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE v. Edward F. Semanko 1717 Peyton Randolph Court New Cumberland, PA 17070 Defendant(s) : NO. 00-2487 civil term NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: EDWARD F. SEMANKO 1717 Peyton Randolph Court New Cumberland, PA 17070 Your house (real estate) at 1717 Peyton Randolph Court, New Cumberland, PA 17070 is scheduled to be sold at the Sheriff's Sale on December 6, 2000, at 10:00 AM in the CUMBERLAND COURTHOUSE, COMMISSIONERS HEARING ROOM, 2ND FLOOR, CARLISLE, PA to enforce the court judgment of $63,027.72,obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will, be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVF.N'f' THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate a~tion: 1. The sale will be cancelled if you pay to the charges, costs and reasonable attorney's fees. you may call: (8S6) 482-6900 . mortgagee the back payment, late To find out how much you must pay, 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. more chance you will have of stopping the sale. to obtain an attorney.) The sooner you contact one, the (See notice on page two on how ,. ~ < i.'t~: . ~" 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 t~e price bid by calling 856-482-6900. I I i I , I , , i , I I , , I I i I , i 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. 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 856-482-6900. 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 ~ouse. A schedule of distribution of the money bid for your house will be filed by the Sheriff within 30 days after 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 Schedule of 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. LAWYER REFERRAL SERVICE cumberland County Bar Association 2 Liberty Avenue Carlisle, pa 17013-3387 717-249-3166 ASSOCIATION DE LICENCIDADOS BE FILADELFIA Cumberland County Bar Association 2 Liberty Avenue Carlisle, Pa 17013-3387 717-249-3166 ~~~.;;jl6;"'~~~iiiitllji~iWtliIhIlil~i!l,'.t;;IOlO&.\~.;""i""'''''''''~'''-''''lW/liJl;'~~''''''''~-lIl~'---"';'!iIdll~~~' d"",'~ "-"~.IJj "" _._~ ,., '< , " ~ (") C) c: <::;:) 0 ~ -n lJU: bo '11,,,' c:: :~ 2-+; 'n ,...' ~ -c-, Zi::"::' N ,- (j')~- CD --, ,~ , -</' .~ r;::C' " . ~r; .~o --; ~=> ;~- --'-I J;'--) .;:}2;i C ..":- t~)rn ~ s;! r..j ::0 -< " " _.>. , MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY 1.0. NO. 04302 1040 N~ KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 ATTORNEY FOR PLAINTIFF Bankers Trust Company of California, N.A. as trustee under the Pooling and Servicing Agreement dated as of September 1,1999 Bear Stearns Asset- Backed Securities. Inc. Asset-Backed Certificatee~Seiies 1999-5 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 Plaintiff v. . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE Edward F. Semanko 1717 Peyton Randolph Court New Cumberland, PA 17070 Defendant(s) PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES : NO. 00-2487 civil term TO THE PROTHONOTARY: Kindly enter judgment in favor of the Plaintiff and against the Defendant (s) for failure to file an Answer to Plaintiff's Complaint within 20 days from service thereof and for foreclosure and sale of the mortgaged premises, and assess Plaintiff's damages as follows: As set forth in Complaint Interest per Complaint From 03/23/00 to 08/22/00 Late charges per Complaint From 04/15/00 to 08/22/00 Escrow payment per Complaint From N/A to N/A $60,286.31 2,604.06 137.35 0.00 TOTAL $63.027.72 I hereby certify that (1) the addresses of the Plaintiff and Defendant are as shown above, and (2) that notice has been given in accordance with Rule 237.1, a copy of which is attached hereto. MARK SSOCIATES Mark J. Udren, ESQUIRE Atto ney for Plaintiff DAMAGES ARE HEREBY ASSESSED AS DATE: plJ.9. ~~ .::l000 INDI TED ~ /sf (lv-;-:h:, ) ~. t>R6 PROTHY ,. '," ->- -'-' , ~ " - -'-';""--"., Jl.lNI JL ;eJ 2~~@b? MARK J. UDREN & ASSOCIATES BY: MARK J. UDREN, ESQUIRE ATTY LD. NO. 04302 . 1040 N. KINGS IllGHWAY, SUITE 500 CHERRY IDLL, NJ 08034 856-482-6900 Bankers Trust Company of California, N .A. as trustee ATTORNEY FOR PLAINTIFF ,': , Plaintiff : COURT OF COMMON PLEAS : CIVIL DMSION : Cumberland County ri I, I: " i'l , " I,; l,j II I I:! " I-I !'1 v. Edward F. Semanko Defendant(s) . : NO. 00-2487 civil term ORDER AND NOW, this .20+hdayof :Jwle. . 2000 . upon consideration of Plaintiff s Motion and the Affidavit of Good Faith investigation attached hereto. it is hereby ORDERED that service of the Complaint in Mortgage Foreclosure and all subsequent pleadings on Defendant(s). Edward F. Semanko, shall be complete when Plaintiff or its counselor agent has mailed true and correct copies of the Complaint in Mortgage Foreclosure and all subsequent pleadings by certified mail and regular mail to the last known address of Defendant(s). Edward F. Semanko at 1717 Peyton Randolph Court, New Cumberland, PA 17070 and by posting the mortgaged premises at 1717 Peyton Randolph Court. new Cumberland, PA 17070. BY THE COURT: I sl -fN'm d 1~ 1'>/',) J. "'.",,1;", r"\!>,," f"OM "f...r...... ,! . '., -,.,.; -~. ...",. ,.If" ~ &"... \i a'\ !/..w-i/,J ii"i. i!.P ~~n T-2stimo;,y -~JvlF~reofl i her:e unto set my hand ';'and Oi-h& seal of said Court at Carlisle,.. Pa. TI1" I} I y f"'"\," I... I'TrI ~.m... a ...""!b!~","..., ,.M"':'. .'. ..' . roth~~O~~~ _.-L -, "~~,. -~ ~!lb. MARK J. UDREN << ASSOCIATES BY: Mark J. UdrenL Esquire ATTY I.D. NO. 043Q~ 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-4R2-6110!! Bankers Trust Company of California, N.A. as trustee under the Pooling and Servicing Agreement dated as of September 1,1999 Bear Stearns Asset-Backed Securities. Inc. Asset-Backed Certificatees Series 1999-5 909,Hidden Ridge Drive, Suite 200 IrvJ.ng, TX 75038 Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County V. Edward F. Semanko 1717 Peyton Randolph Court New Cumberland, PA 17070 Defendant (s) NO. 00-2487 civil term AUgust 9, 2000 Edward F. Semanko 1717 Peyton Randolph Court New Cumberland, PA 17070 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE,. A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAr 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 ~ GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Libert'y Avenue carlisle,! Pa 17013-3387 71 -249-3166 NOTIFlCACION I~RTANTE DATED: TO: US TED SE ENCUENTRA EN ESTADO DE REBELDIA POR NO HABER TOMADO LA ACCION REQUIRIDA DE SU PARTE EN ESTE CASO. AL NO TOMAR LA ACCION DEBIDA DENTRO DE UN TERMINO DE DIEZ (10) DIAB DE ESTA NOTIFICACION6 EL TRIBUNAL POD~~ SIN NECESIDAD DE C"OMPARARECER USTED EN CORTE ESCUCHAR PREUBA ~GUNA, DICTAR SENTENCIA EN SU CONTRA, USTED PUEDE PERDER BIENES Y OTROS DERECHOp.t. IMPORTANTES. DEBE LLEVAR ESTA NOTIFICACION A UN ABOGADO IMMEDiATAMENTE SI USTED NO TIENE ABOGADO o SI NO TIENE DINERO SUFICIENTE PARA TAL SERVICIO~ VAYA EN PERSONA o LLAME POR TELEFONO A LA OFICINA, CUYA DIRECC.LON SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE BE PUEDE CONSEGUIR ASSISTENCIA LEGAL. SERVICIO DE REFERENCIA LEGAL LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue carlisle,! Pa 17013-3387 71 -249-3166 NOTICE: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR AND THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 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 Bankers Trust Company of California, N.A. as trustee under the Pooling and Servicing Agreement dated as of September 1;1999 Bear Stearns Asset-Backed Securities. Inc. Asset-Backed Certificatees Series 1999-5 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 Plaintiff v. Edward F. Semanko 1717 Peyton Randolph Court New Cumberland, PA 17070 Defendant(s) _'r. ., 'k ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE NO. 00-2487 civil term STATE OF AFFIDAVIT OF NON-MILITARY SERVICE COUNTY OF SS THE UNDERSIGNED being duly sworn, deposes and says that the averments herein are based upon investigations made and records maintained by us either as Plaintiff or as servicing agent of the Plaintiff herein and that the above Defendant(s) are not in the Military or Naval Service of the United States of America or its Allies as defined in the Soldiers and Sailors Civil Relief Act of 1940, as amended, and that the age and last known residence and employment of each Defendant are as follows: above ~am~ a Defendant: Age: Residence: Employment: Edward F. Semanko Over 18 As captioned Unknown Sworn to and subscribed before me this day ~a. Not~c " Title: Company: Wanda Collier As'to Vice President ^~ ~~. ...~~."~-- . l.1li! .. .r MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY LD. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 0,8034 856-482-6900 BartkersTrust Company of California, : COURT OF COMMON PLEAS N .A. as trustee under the Pooling : CIVIL DIVISION and Servicing Agreement dated as of : Cumberland County September 1,1999 Bear Stearns Asset- Backed Securities. Inc. Asset-Backed: MORTGAGE FORECLOSURE Certificatees Series 1999-5 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 ATTORNEY FOR PLAINTIFF Plaintiff v. Edward F. Semanko 1717 Peyton Randolph Court New Cumberland, PA 17070 : NO. 00-2487 civil term Defendant(s) TO: EDWARD F. SEMANKO 1717 Peyton Randolph Court New Cumberland, PA 17070 NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below, ~ Judgment by Default Prothonotary Money Judgment Judgment in Replevin Judgment for Possession Judgment on Award of Arbitration Judgment on Verdict Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE PLEASE CALL: ATTORNEY Mark'J. Udren. ESqJ-1ire At this telephone number: 856-482-6900 ,~.. .,~." h;"'''j .. " MARK J. ODREN & ASSOCIATES BY: Mar~ J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. ~INGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 Bankers Trust Company of California, N.A. as trustee under the Pooling and Servicing Agreement dated as of September 1,1999 Bear Stearns Asset- Backed Securities. Inc. Asset-Backed Certificatees Series 1999-5 9'09 Hidden Ridge Drive, Suite 20'0 Irving, TX 75038 Plaintiff v. ATTORNEY FOR PLAINTIFF . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE Edward F. Semanko 1717 Peyton Randolph Court New Cumberland, PA 17070 Defendant(s) PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT. OF DAMAGES :NO. '0'0-2487 civil term TO THE PROTHONOTARY: Kindly enter judgment in favor of the Plaintiff and against the Defendant (s) for failure to file an Answer to Plaintiff's Complaint within 20 days from service thereof and for foreclosure and sale of the mortgaged premises, and assess. .Plaintiff' s damages as follows: As set forth in Complaint Interest per Complaint From 03/23/00 to '08/22/'0'0 Late charges per Complaint From '04/15/00 to 08/22/0'0 Escrow payment per Complaint From N/A to N/A $60,286.31 2,604.06 137.35 o 00 TOTAL $63.027 7? I hereby certify that (1) the addresses of the Plaintiff and Defendant are as shown above, and (2) that notice has been given in accordance with Rule 237.1, a copy of which is attached hereto. MARK /J. I rdSSOCIATES Mark!J. Udren, ESQUIRE Attorney for Plaintiff \ DAMAGES ARE HEREBY ASSESSED AS INDlkATED DATE: PRO PROTHY Hillll!!;jlMi!l!l~~IIii~illll:lIi~Ol!l;j:tl!\iefI\ilili:l,l;!"",",,>I_@i~,",,*.lWi!oili~"""'i':"~,*,,!ii\fi~i~liIIlIWIlIllii~~'~~~~,,~ ~~ , f () j 0 ~~ ~ ,",-".~ -~. .~-~~ ~ ~ ..J -...) ~ .to. ...0 . o () u F J ~" ~~- o c: <"- -VA" 1",.,/._/ 2:' 2::;'.3 05S;: -<2 !;;c " :2{~' ""C5 -c: 2: ~ ~ ~ ;2 ~, "'" r", '.j ~~ cO'") N 1,0 ~~ ,,! - . ~ :--'j "1:1 ::::: 9 <:- -- ., (~?I~; ~ :fj -< I , -J i - ~~ MARK J. UDREN << ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 0803'4 856-482-6900 Bankers Trust Company of California, N.A. as trustee under the Pooling and Servicing Agreement dated as of September 1,1999 Bear Stearns Asset-Backed Securities. Inc.Asset-Backed Certificatees Series 1999-5 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County v. Edward F. Semanko 1717 Peyton Randolph Court New Cumberland, PA 17070 NO. 00-2487 civil term Defendant(s) VERTFICATION,OF SERVICE BY CERTIFIED MAIL AND REGULAR MAI~ PlffiSUANT TO COURT ORDER The undersigned hereby verifies that he is counsel for Plaintiff in the above case and that pursuant to the Court order issued in this matter he mailed a true and correct copy of the NOTICE OF SALE to Defendant{s), by certified mail and regular first class mail, to the last known address of Defendant(s) as follows: DATE MAILED: September 7, 2000 Edward F. Semanko 1717 Peyton Randolph Court New Cumberland, PA 17070 I verify that the statements made herein are true and correct and I understand that false statements made herein are subject to the penalties of 18 Pa.C.S. 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Semanko Defendant(s) . : NO. 00-2487 civil term ORDER AND NOW, this :W+hdayof J"wJe. , 2000 , upon consideration of Plaintiff s Motion and the Affidavit of Good Faith investigation attached hereto, it is hereby ORDERED that service of the Complaint in Mortgage Foreclosure and all subsequent pleadings on Defendant(s), Edward F. Semanko, shall be complete when Plaintiff or its counselor agent has mailed true and correct copies of the Complaint in Mortgage Foreclosure and all subsequent pleadings by certified mail and regular mail to the last known address of Defendant(s), Edward F. Semanko at 1717 Peyton Randolph Court, New Cumberland, PA 17070 and by posting the mortgaged premises at 1717 Peyton Randolph Court, new Cumberland, PA 17070. BY THE COURT: I sl -fnH~ ~ 1L MI) J. TRUE C"iPY FROM RECORD ~n Testimony wl;,:;eof, I heFe unto set my hand '"md the seal of said Court at Carlisle, Pa. T~......2)'la[J;;5!~,"'~"" .~. :t~ rp:n=~41 ___f ;itj~~ , ~~""~~~liI~tlii~_~~~~~lo;jij~~iii' " ,.~ ~.~ ..c" .. ~,~ _, __ << ,- . ~ ,. .'.' " "r' -~.i!;'l!l' - ,.~ f ;:ReG 2fTl 2::l2 0550, ~6 .PC) :2:0 :SC ~ . . " ~" . . <:::> c U') I:ci r, '-' -" ::::1 - -f1'iiJJ '"(';rtl :1:1? ~~~) -1_'-.:1 r',,-1, ?(--- 0:01 ~>' .M ''-';: co -0 :::J:: - .. - <:;:) ~ ". ~- . MARK J. UDREN & ASSOCIATES BY: Mark J. Udren ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 Bankers Trust Company of California, N.A. as trustee under the Pooling and Servi~ing Agreement dated as of September 1,1999 Bear Stearns Asset-Backed Securities. Inc. Asset-Backed Certificatees Series 1999-5 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 Plaintiff ATTORNEY FOR PLAINTIFF - - COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County v. Edward F. Semanko 1717 Peyton Randolph Court New Cumberland, PA 17070 Defendant(s) : NO. 00-2487 civil term AFFIDAVIT OF SERVICE PURSUANT TO Pa.R.C.P.RULE 3129.1 Plaintiff, by itS/his/her Attorney, Mark J. Udren, Esquire, hereby verifies that: 1. A copy of the Notice of Sheriff's Sale, a true and correct copy of which is attached hereto as Exhibit "A", was sent to every recorded lienholder and every other interested party known as of the date of the filing of the Praecipe for the Writ of Execution, on the date(s) appearing on the attached Certificates of Mailing. 2. A Notice of Sheriff's Sale was sent to Defendant(s) by regular mail and certified mail on the date appearing on the attached Return Receipt, which was signed for by Defendant (s) on the date specified on the said Return Receipt. Copies of the said Notice and Return Receipt are attached hereto as Exhibit "B". 3. If a Return Receipt is not attached hereto, then service was by personal service on the date specified on the attached Return of Service, attached hereto as Exhibit "B". 4. If service was by Order of Court, then proof of compliance with said Order is attached hereto as Exhibit "B". All Notices were served within the time limits set forth by Pa Rule C.P. 3129. This Affidavit is made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. Dated: October 24, 2000 MARK J. UDREN & ASSOCIATES BY: f;VL- Mar J. Udren, Esquire Attorney for Plaintiff ;'" , ~ ' >i !ili!l:1 ."'~ - -, ._;.~....- '~'-""_tio;~." ......,'. -~,' ,-~;;-(.:;....",~..._~~_.~.."",--. .'k. "'-"'-4- '';''':>.' .:-J,i ,,'_. "",-:,--,.",'" """,-, ."..." ,.C." ......,.i~., -..'...'<'. n .. _ ._..,'~'" .' _ ,_, "'e,_ _._' 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 Bankers Trust Company of California, N.A. as trustee under the Pooling andServicing Agreement dated as of September 1,1999 Bear Stearns Asset- Backed Securities.Inc.Asset- Backed Certificatees Series 1999-5 909 Hidden Ridge Drive,Suite200Irving, TX 75038 Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 00-2487 civil term v. Edward F. Semanko 1717 Peyton Randolph Court New Cumberland, PA 17070 Defendant(s) DATE: September 7, 2000 TO: ALL PARTIES IN INTEREST AND CLAIMANTS NOTICE OF SHERIFF'S SALE QE'JiEAL PROPERTY OWNER(S}: EDWARD F.SEMANKO PROPERTY: 1717 Peyton Randolph Court, New Cumberland, PA 17070 Improvements: RESIDENTIAL DWELLING The above captioned property is scheduled to be sold at the Cumberland County Sheriff's Sale on December 6. 2000, at 10:00 AM, at the COMMISSIONERS HEARING ROOM 2nd FLOOR COURTHOUSE CARLISLE PA. Our records indicate that you may hold a mortgage or judgment on the property which will be extinguished by the sale. You may wish to attend the sale to protect your interests. A Schedule of Distribution will be filed by the Sheriff on a date specified by the Sheriff not later that 30 days after sale" Distribution will be made in accordance with the schedule ~~A exceptions are filed thereto within 10 days after the fil\ng of tF.Le' schedule. . ~''TI- -~j{<%."''''a.''''' ~ '3 i~ L.'--"" ,,_.... .,---,~" '-m e- d~' 2 '~'m \~~ ~~ ,\ - , ..(,- """ Cl ~ ~ ,..... :- u- '--'--.. o.-~ c:? ''-.1''1_, ./ ~ ';: i'- .'" Ie 'f> :J ~ .-, ~.-'L~ .... "U C/J fi~ ~ ~ ~ ~ ~ ~ co co .... O'l '" ... '" N ~ c: Q)>~ (tl> '" ... 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Ud~en, Esquire ATTY LD. NO. 04302 1040 N, KINGS HIGHWAY, SUITE 500 CHE:RRY aII,L, NJ 0803'4 856-482-6900 Banke~STrust Company of California, N.A" as trustee under the Pooling and Servicing Agreement dated as of September 1,1999 Bear Stearns Asset-Backed Securities. Inc.Asset-Backed Certif:!.catees Series1999~5 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 Plaintiff v. Edward F. Semanko 1717 Peyton Randolph Court New Cumberland, PA 17070 Defendant(s) , "Mi~~' I 1 ATTORNEY FOR PLAINTIFF : COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County 0 0 0 c 0 -n -.>' en kfll >- -nee rTt mrn -u z::n :Sd ~r;:: co /"5 \ :2: :::,0 ~o -0 ~,_ -r, ~ ...,:--r-\ ~ Qo - ~g - orn '" -< ~ ):>- 0 '~ i NO 00-2487 civil term ~ SERVICE BY CERTIFIED MAlT, A~ REGnT,AR MAIl;. PURSUANT TO COURT ORDER The undersigned hereby verifies that he is counsel for Plaintiff in the above case and that pursuant to the Court order issued in this matter he mailed a true and correct copy of the NOTICE OF SALE to Defendant(s), by certified mail and regular first class mail, to the last known address of Defendant(s) as follows: . DATE MAILED: September 7, 2000 Edward F. Semanko 1717 Peyton Randolph Court New Cumberland, PA 17070 I verify that the statements made herein are true and correct and I understand that false statements made herein are subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. Dated: MARK J" UDREN & ASSOCIATES l'/'b(~-~- Mark J. Udren, Esquire EXHIBIT B . MARK J. UDREN & ASSOCIATES BY:: Mark~. Udren, Esquire ATTY I~D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHE~Y HILL,NJ 0803'4 856~482-6900 Bankers Trust Company of California, N"A. as trustee under the Pooling and Servicing Agreement dated as of September 1,1999 Bear Stearns Asset-Backed Securities. Inc.Asset-Backed Certificatees Series ,1999-5 : 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 Plaintiff v. Edward F. Semanko 1717 Peyton Randolph Court New Cumberland, PA 17070 ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 00-2487 civil term Defendant(s) ; VERIFICATION OF SERVICE BY CERTIFIED MAIT. AND- REGULAR MAJl;.o PImSUANT TO corm'!' ORDER The undersigned hereby verifies that he is counsel for Plaintiff in the above case and that pursuant to the Court order issued in this matter he mailed a true and correct copy of the NOTICE OF SALE to Defendant(s), by certified mail and regular first class mail, to the last known address of Defendant(s) a\3 follows: DATE MAILED: September 7, 2000 Edward F. Semanko 1717 Peyton Randolph Court New Cumberland, PA 17070 I verify that the statements made herein are true and correct and I understand that false statements made herein are subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. Dated: MARK J. UDREN & ASSOCIATES \v'h/'-- ---~- Mark J. Udren, Esquire ~~B~B,.. 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If you want a return receipt, write the certified mail number and your name and ado on a return receipt card, Form 3811, and attach it to Ihe lront oltha article by means 0 gummed ends il space parmils. Otherwise, aNix to back of article. Endorse front 01 al RETURN RECEiPT fi.;(;U.::5TED aJjd,;:~ni!o ~h~ number. 4, It you want delivery reslricted 10 the addressee, or 10 an authorized agent of addressee, endorse FlESTRIClED DELIVERY on the front of the article. 5, Enter fees for the services requested in the appropriate spaces on Ihe front of receipt. If retum receipt is requested, check the applicable blocks in item 1 01 Form 38i a. Save this receipt and present il if you make an inquiry. 1D2595-99-M-2. ~.-... 'J!,fE~r:p;~~';~:~i.'~~~~~i;~I~~~~i.~;f'!;!t::':'-... .. ... 1../ .,.... .' ';.'>'..' .' ,~.. ,- ;;;;~:'::;;;~ ~fE,;~';r,:;~~~~i~;;~;~.{~~;['1;:iTl.;~;~1~~~";i~~!,;i:' ,'"I' EXHIBIT B \11," . _~;,.-'r' ....':"'"'~' ;.;.--"- . 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"en O. 05. ~ ."J] .' .J] i -nO> .' -I:) "TIi/l . .I _u ._, Itj I , ~~L ;::0 , i :ni~ , i , CI;I;;-+ , I , 3:0 I I .- , i I I i ~i'- i I 0." I I I I I I I I. ,.. 5:. CD 9...~ rJjCo3 lD~lD "m~ 0.0" ~cno. z> ~3: ~ll ~. ~ :s:: )> ~:n 0:>; ....c.. o. 2CF 00:"'0" c",,:n:! -2m -lG)ZC mc.o~:; g:I:)>- oi5cn~ ::r:OOlf. :EO )>Q -<~ m (JJ CDOO" '" OO-:Cn ~o~~e _,0..... -.(1) g (D!!...;: a. a.~"O' .. 0.0 CD 03 m5'5:n~ ~ ~.....(ll 1">11:0::2" g:(D1tI3 <nno:c ~o ::T(D Ola!!n !g,~. o~ ..... !' 00i/;'9 ~~~~ ~:f_;;>r' O,,~Q) S,OlD'O "0 (II C. '1:1 o9!S;6 ~5'w'S! =s~:=?iil rn a CD 0" a a fs1 0" " " 2 '" Q "tl 8,g ~ ~ 9: 3-. >r 3' a-5'!:1 D) ~;'3 ~ no"C l:l) O-::r ::! ~.~~ Q. 1lIl=(D ~ o:r~ li) ~m Cir:.l'5 sa. erO c. :0 =.....0) <1>' 0 ~ ~ .. ' - "-~!!t ~ ...~.... JUN 1 9 200010 '. MARK J. UDREN & ASSOCIATES BY: MARKJ.UDREN, ESQUIRE ATTY I.D, NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 . 856-482-6900 Bankers Trust Company of California, N.A. as trustee ATTORNEY FOR PLAINTIFF Plaintiff : COURT OF COMMON PLEAS : CIVIL DMSION : Cu:nberland County v. Edward F. Semanko Defendant(s) . : NO. 00-2487 civil term ORDER , IJQ+h 1:'. r", AND NOW, this ^ day of JWJI... , 2000 ,upon consideration of Plaintiff s Motion and the Affidavit of Good Faith investigation attached hereto, it is hereby ORDERED that service of the Complaint in Mortgage Foreclosure and all subsequent pleadings on Defendant(s), Edward F. Semanko, shall be complete when Plaintiff or its counselor agent has mailed true and correct copies of the Complaint in Mortgage Foreclosure and all subsequent pleadings by certified mail and regular mail to the last known aQdress of Defendant(s) , Edward F. Semanko at 1717 Peyton Randolph Court, New Cumberland, PA 17070 and by posting the mortgaged premises at 1717 Peyton Randolph Court, new Cumberland, PA 17010. BY THE COURT: /5/ -f,nn'm 11L f)/l) J. . TRUE C~?Y FROM RECORO qn T &stimor.y vilkieof, I haFe utito set my hand 'and the seal of said Court at Carlisle, Pa. . IJ J "'\"; ,. ~tJI;;;~ J , 1~,1ilIii1~~~~>iillI~ti&I~_,II4"""j;>!"~""'~'-"'~~ ~!l~!lii1I 0,,<'_' ~_ <0.', __"" ~ - ~c_ , ,_ ,_0_,,",. <v,~ ~, - ",-"" ',__C 111' -~jf/.8;Ul!~ffiIW~- - ,. ~" iIiH',: (') C} :r'~) ~;:; 0 ~,~ "'T] c;.:.' '-') rn " ~:-... ~ :r) ;,,--,, " Z l~]~~_, (j) 0 'T- -< __n...! ~~) r- ,"--' 'oS '-.' -u .,,', .;c' n :~',: :_~ t5 > 0 L__ rn C :.:? C -"4 Z :l~ ::< :D '0 -< .~ 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 Bankers Trust Company of California, N.A. as trustee under the Pooling and Servicing Agreement dated as of September 1,1999 Bear Stearns Asset-Backed Securities. Inc Asset-Backed Certificatees Series 1999-5 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 Plaintiff v. Edward F. Semanko 1717 Peyton Randolph Court New Cumberland, PA 17070 Defendant(s) "" "- ATTORNEY FOR PLAINTIFF . COURT OF COMMON PLEAS : CIVIL DIVISION . Cumberland County :NO. CO-~l{?l C?;(J~L '-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 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 --~. '.~c^. AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas dernandas 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 importantes 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 AVERIGOAR DONDE SE POEDE CONSEGOIR ASISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, Pa 17013-3387 717-249-3166 ~. , -, ~ ,> '4 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 ohhis 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 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 ,-~ -- - ~ - -.- ~~ !d'i~ 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: North American Mortgage Company Assignments of Record to: Bankers Trust Company of California, .N.A. as trustee under the Pooling and Servicing Agreement dated as of September 1,1999 Bear Stearns Asset-Backed Securities. Inc. Asset-Backed Certificatees Series 1999-5 Recording Date: Lodged for Recording 2. Defendant 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 and mortgagor of the premises being foreclosed. 3. On or about the date appearing on the Mortgage hereinafter described, at the instance and request of Defendant, Plaintiff (or its predecessor, hereinafter called Plaintiff) loaned to the Defendant the surn 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: 1717 Peyton Randolph Court MUNICIPALITY/TOWNSHIP/BOROUGH: Lower Allen Township COUNTY: Cumberland DATE EXECUTED: 3.31/99 DATE RECORDED: 4/1/99 BOOK: 1530 PAGE: 983 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 surns secured by said Mortgage, together with other charges authorized by '," :'...~,;! said Mortgage itemized below, shall be immediately due. 5. After demand, the Defendant 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 3/22/00: Principal of debt due and unpaid Interest at 11.4% from 11/01/99 to 3/22/00 (the per diem interest accruing on this debt is $17.02 and that sum should be added each day after 3/22/00) $54,488.16 2,433.86 Title Report Court Costs (anticipated, excluding Sheriff's Sale costs) 250.00 280.00 Escrow Overdraft/(Balance) (The monthly escrow on this account is $0.0 and that sum should be added on the first of each month after 3/22/00) 0.00 Late Charges (monthly late charge of $27.47 should be added on the fifteenth of each month after 3/22/00) 109.88 Attorneys Fees (anticipated and actual to 5% of principal) 2.724.41 TOTAL $60,286.31 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 ehe 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. c ",' "i", " ~.'G 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 eligibility. WHEREFORE, the Plaintiff demands judgment, in rem, against the Defendant herein in the sum of $60,286.31 plus interest, costs and attorneys fees as more fully set forth in the Complaint, and for foreclosure and sale of the Mortgaged premises. Mark J. Udren, ESQUIRE MAR V J. UDREN & ASSOCIATES Att rney for Plaintiff Attorney I.D. No. 04302 i'~"-=-~ ~ ~ '."ilhillr'~""'-~" - ~ ,"" ....~ .~~,- ...!;1Jj " ~ = TIlA~ CER~AJ:N LO~ OR PIECE OF LAND SI~~E IN LOWER ALLEN ~OWNSHIP, ctlMBEllLl\ND COUNTY, PENNSYLVANn, BOUNDED AND DESCRIBED AS FOLLOWS, ~O WI~: BEGINNING M A POINT, SAJ:D POINT BEING LOCA~ED ~HE FOLLOWING NINE COURSES AND DJ:S~ANCES FROM PERIMETER COOlUllNA~E 6 AS HOWN ON ~HE AS-BUIL~ PLAN REFERENCED HEREIN; (1) BY A CURVE ~O ~HE LEF~ HAVING A RlIDIUS OF 351.97 FEE~, AN ARC DJ:S~ANCE OF 88. 75 FEE~ ~O A POINT A~ ~HE INTERSEC~ION OF CAPI~OL VIEW DRIVE AND ~HE CENTER LINE OF PEYTON RANDOLPH COUR~; (2) ALONG ~HE CENTER LINE OF PEYTON RANDOLPH COUR~, SOUTH 20 DEGREES 02 WINUTES 43 SECONDS EAS~, A DJ:S~ANCE OF 143.0 FEE~; (3) SOUTH 25 DEGREES 57 WINUTES 17 SECONDS WES~, A DJ:S~ANCE OF 87.0 FEE~; (4) SOUTH 67 DEGREES 27 MINUTES 17 SECONDS WES~, A DJ:S~ANCE OF 96.0 FEE~; (5) NOR'!!H 51 DEGREES 02 MINU'l!F.S 43 SECONDS WES'!!, A DJ:S'!!ANCE OF 12.28 FEE~; (6) SOUTH 26 DEGREES 44 WINUTES 40 SECONDS WES~, A DJ:S~ANCE OF 53.84 FEE~ '!!O A POINT ON '!!HE EAS~ERNMOS~ CORNER OF LO~ 41; (7) NOR'!!H 63 DEGREES 15 WINUTES 20 SECONDS WES~, A DIS'!!ANCE OF 26.0 FEE~; (8) NO~H26 DEGREES 44 WINUTES 40 SECONDS EAS~, A DIS~ANCE OF 4.0 FEE'!!; (9) NOR~H 63 DEGREES 15 WINUTES 20 SECONDS WES~, A DIS~ANCE OF 40.0 FEE'!! ~o A POINT ON '!!HE DIVIDING LINE BETWEEN LO'!! 43 AND 44, SAID POINT BEING '!!HE POINT AND PLACE OF BEGINNJ:NG; 'l!HENCE CONTINUING ALONG ~HE SAID DIVIDING LINE AND PASSING '1'HROUGH '1'HE CEN'I!ER LINE OF A PAR'I!Y WALL DIVIDING UNI~ 43 AND 44, SOUTH 26 DEGREES 44 WINUTES 40 SECONDS WES'!!, A DIS'!!ANCE OF 24.0 FEE~ ~o A POINT; '!!HENCE NOR~H 63 DEGREES 15 MINUTES 20 SECONDS WES'!!, A DIS~ANCE OF 26 FEE~ '!!O A POIN~; ~HENCE NOR~H 26 DEGREES 44 WINUTES 40 SECONDS EAS~, A DJ:S'!!ANCE OF 24 FEE~ ~O:A POINT; ~HENCE SO~ 63 DEGREES 15 WINU'l!ES 20 SECONDS DS~, A DISTANCE OF 26 FEE'!! ~O A POINT ON '!!HE DIVIDING LINE BETWEEN LO~ 43 AND 44, SAID POINT BEING 'l!HE ,,"OINT AND PLACE OF BEGDlNING. BEING LO'r NO. 44 AS SHOWN ON '!!HE AMENDED FINAL PLAN OF IIlJN'I!ER'S RIDGE UCOlUlED IN PLAN BOOK 58, PAGl!: 62, AND AS MORE PAR'!!ICOLAlILY DESCRIBED ON AS- BUIL'!! ,PLAN OF SEC'I!ION III, IIlJN'I!ER'S RIDGE DA'!!ED AUGUS~ 9, 1990 AND RECOlUlED IN PLAN BOOK 61, PAGE 23. u ~~,' ~"" Mar-27-00 12:10pm From-EMC MORTGAGE CORP SERVICE CENTER 'h +9729312997 T-945 P,04142 ,-920 IMC",. . " MORTGAGE CORPORAlION P 931 149 107 February 2, 2000 VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED Copy Via Regular Mail 02/0112000 1974153 EDWARD F SEMANKO 1717 pEYTON RANDOLPH CT NEW CUMBERLAND, PA 17070 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This i. an officialllOti~e that the mortgage On VOUt home is. in default and rhe lender IlItend. to foreclose. Specific infonn.rion abour the nalUre ofrhe default is provided in the .llached pages The Homeowners' Emergency Mongage ASSlsrance Program (HEMAP) may be able ro help to saVe your home, Thl, notice explains how the program works. To see ifHEMAP can help Vou" vou must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN ,0 DA Y!l OF THE DATE OF THIS NOTICE, Take tili. Notice With vou when vOu meet wirh the counseling agencv. The name. ad(fre~~. and ohon.:o 'lumber of ConSl,mer Ctedir C.ounselina Aeenc,es ~r\'ill1'!. \tour cOl.,"[\( are lisled ar [hI':' end ofthi. Notice Ifvou have anv Quesrions yOU mav cantne Penn.vlvania Housin~ Finance A.enev toll free arl-800-342- 2397 Iper<:ons with ImDaired hearing call call 717-780-18691. La Notificaion en adjunto es de suma imponancia. pues ~fecti'u derecho a continuar viviendo ell su casa Si no comprencle el conr~nido de esta nOlilicjon obtenga un~ traduccion immedlalamente lIamando esra ag<ncia (Pennsylvania Housing finance Agency) sin cargos aJ numero mencionado arrip~. puedes ser "egible para un presramo por el programa liamado ""Homeowners' Emergency Morrgage ASSIStanCe Program" ~I cual puede 5alvar su "~sa cle la perclidll delcl<recho . reclirnir su hlpoteca, HOMEOWNER'S NAME(S) . EDW ARDI' !lFMANKO PROPERTY ADDRESS. 1717 PEYTO]l;' RANDOLPH NEW CUMBERLAND. PA 17070 LOAN ACCOUNT NUMBER: 1974153 CURRENT LENDER/SERVICER: EMe MORTGAGE COMPANY YOLl mav ht:' ~Ii~ihl~ for financial iIlSsisranc~ which can <:;liVe y;our home from forecloc:.Llrc and help ~Ou make t'Urure monga.e pavmont. if you comply widl the provision of me Ifomeowners' Emergency Mongage Assistance ACt of 1983 (the "ACt") You may be eltgible for emergency mongage assistance; If your default has been caused by circumstances beyond your comrol, you have a reasonable prospect of being able to p~y your mongage payments, and if you meet oth~r eligIbIlity requirements eStablished by die Pennsylvania Housinl; f;nanee Agency. TEMPORARY STAY O~" fORECLOSURE- Under die ACt, you are entirled to a tempotal)' stay oflhe foreclosure on your mOrtgage for thirty (3Q) diYS !Tom tne date orthis Notice. During that time you must arrange IIIltl atrena a ''face-ro- face" meeting WIth one of the aesignarea consumer coullseling agencies lisled althe end of tni. Notice, Tlti. meeting must orelJJ' wJlhin the nell.t rhirrv /301 daYS. II' YOU no NOT APPLY FOR EMF-RGENCY MORTGAGE ASSI!lTANCE. YOU MUST BRING YOUR MORTGAGE liP TO DATE. THE PART 01' THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEI'AUL T" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO "n Qe.IE.. '; .', '~- r' 'Ii, Mac AnnUl Ridge II, 909 Hicldlln Rlagl DrivI. Sune 200, IrYing, Texes 76038 MAI~'NG ADDRESS: P.O. 1Ioll.141358, Irvinp, Texas 75014-1368 ExhIbIt A '. ... .-,",,_..- ~<~- ~~" " ,. '........ Mar-27-~O 12:10pm Frcm-EMC MORTGAGE CORP SERVICE CENTER ~~ -,.~, +9728312997 T-945 P,05/42 F-920 ( Page IwO 1974153 CONSlIMER CREDIT COIINSEI./NG AGENC!ES- If you all<nd a facHo-fac;: mO.ling witll on. of tile consumer credit couns<lmg agtncies li~t;:d at tile end of tills NOlie., Ibe lender may NOT lake furtber aClion against you lor lbiny (30) days afier tbo date of III Is meeling Tbe name< aadresses and lelepholle numbe.. of de<l~nated cOllsumer coonseling ,gencies for rhe counl, in which your property IS lOCated are '01 forth at the end \)fthis NOllce. It is only neces~ry to scbedul;: onelilce-Io-face meeting. You should advise Ibis lender imm;:dialcl, of your imentions. APfLlCA TION FOR MORTGAGE ASSISTANCE- Yuur mortgage is an default for the reasons Set fortb later in Ihis Notice (see fullowingpages fo",p<cilic information abool Ibe nature ofyuur defaull) If you haw tried and arc unabl.lo resol,.this problem wilb Ihe lender, you ha,e the rilll\[ 10 apply for linancial assistance from the Homeowners' Em<rgency Mortgag;: A>sistance I'und In orL!er 10 dll this, you muSt fill out, sign and tile a compleled Homeown.rs' Emerg<ncy Assistanc< Application with on. ofth< designated cOllsum<r eredl! counseling agenci<s lisred al rbe <nd of this NOlice Only consumer credll counseling agencies ha.e applicallllllS for the proyam and l\iey Will assisl yoo in submiuing a completed applicalion to the Pennsylvania Housing Finan~e Agency. Your applicalion MUST be filed or postmarked withm thirty (30) days of your fac..m-face meeling. YOU MUST FILE YOUR APPLICA TIOlli PROMPTLY. IF YOU FAll. TO 00 SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETHa. FORECLOSURE MAY PIWCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION l'OR MORTGAGE ASSISTANCE WILl8E DENIED AGENCY ACTIOI'!- Availabl;: funds for emerllency mongag. 3SSlStaIIC< are 'ery IimiL<d. They will b. <lisburse<l by 'be Agency under tile eligibili'y crilena established by Ibe Act. The Pennsylvania Housing finance Agency bas sixtY (60) days 10 mal<.e a d<cision aCrer It recei\'<. you applicalion During tba' addi!lonalmne, no foreclosur< proceedings will b< pursuecl against you il"you have melthe time requlremems set fonh abo,e You will be notified direcrly by the Agency of ils deciSion on your apphcation. NOTE: IF YOU ARE CURRENTLY PROTECTED BY UtE FILING OF A PETITION IN BANKRUPTCY. THE FOLLOWING PART OF THIS NOTICE IS FOR IN FORMA TION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you ha.. meL! bankruptcy you can still apply for Emergency Monga::c Assistance) HOW TO CU~E YOllR MORTGAGE DEfAULT/Bnne il UP 10 dald NATURE OF THE DEFAULT - The MORTGAGE debt held by the abu,e lend<r on your property located al 1717 PEYTON RANDOl 1'1;1 NEW CUMBERLi\.ND. PA 17070 IS SERIOUSLY IN DEFAULT bec~\lSCl : A. YOU J-1A VE NOT MADE MONTH1. Y MORTGAGE /'A YMENTS for rh< followlOg monlhs and lhe following amounts are now pas, due: (a) 3.0 Paymenls @ $549.32 $1,64796 (b) Lal< charge(.) : $54 94 (c) Orher charge(s): NSf & Aclvanc<s $0.00 (d) Less. Credit Balance ($0"001 (e) TOlal amount requir<d as of 02/01/2000: $1.70~.90 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (ifapplic.ble) ; HOW TO CIlRE THE DEFAllLT- You may cure this ddauh Wltllin THIRTY (30) days from the dale ofrhi> leller BY PA YING THE TOTAL AMOUNT PAST DUE TO LENDER. WHICH IS, $1.102.00 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES (and olbor charges) WHICH BECOME DUE DURlNG TIiE THIRTY (30) DA Y PERIOD Payments mUSI be made ellller by easb, ca.hier's ch;:ek, certified check. Or mon<y order made p.yabl. 10 EMC Mortgage Corporallon al PO Box 1413S8.lrving, TX 75014-1358. I" .... ~, w. ,. 1 .~ar-27-eo 12:IOpm From-EMC MORTGAGE CORP SERVICE CENTER +9728312997 T-945 P,06/42 F-920 Page 3 1974153 IF YOU DO NOT CURE THE DEFAUI.T-Ifyou do not cure the defallltwilhin THIRTY (30) days uf thl. letter date, me len<l... intends to exer~ise ils ri~ht to accel.....t. the Dlon~.ee debl. This meuns thut Ihe emire uUIStan<lins balance uf this debt will be considered due immediately, and you may lase the chance to pay Ihe mortgage In montllly Installmenls. Iffull payment ol"rhe amount of defuull is not made wilhin THIRTY (30) <lays of the leller date, EMC Mortsage Corpllration alsll intends IU inStruct their attOrneys to sran a legal aclion to foreclo.. uPQJl vour mOrtga.eo propem IF THE MORTGAGE IS FORECLOSED UPDN-. Tbe murtgaged properry will be sold by Ihe Sheri/TIll payoff the mortsage debt, If the lender rc:fers your case to ils anomeys, but you cure llie dehnqllency before Ihey begin legal proceedings asam.I you, you will haVe 10 pay Ihe reusooable anorney's fees ;1Clually incurr.d up to $50.00. However. if legal proceedings are sIarte<lasainsI you, you Will have 10 pay loe reasonable anomey's lees aClually Incurred even if they are over $50 00. Any attomey's lees will be added to Ihe amount you Owe Ihe lender, which may also include Ihell reasonable COSIS. Ifvou cur. Ihe default within the THIRTY (30)D.. Y period vou will not be required to pav attomevs' fee.. OTHER LF.NUER REMEDlES- The lender may also sue you personally tor the unpaid principal balance, and all other StIItlS due under tbe Mortgage" RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALt;- If yo II have not cured the defaultwitbm Ihe THIRTY (30) da,y penod andloreclosure proceeding,; have besun, you StIll have the right to cure the default and prevent the >lIle at any time up to one hOllr before tlle Sheritfs Sale. You may do so by paying the 'ot.1 amo..nt then past d... pluS any lale ehllfges, char8es men due, reasonable anorneys' tees and COSts connected with Ihe foreclosure ~le and any other cOSts connect.a with the Sheriff s Sale as spccifiea in writing by tile lender and by perfomling any other requirements uncler the mongage. Curing yOllr default in Ihe manner sel forth in Ihis Notice will resture your monguge to lbe Sllme posirion as if you oad never defaulted. EARLIEST POSSIBLESHERIFF''l SALE DATE. It is estimaled Ibar Ihe earliest date thuI such sheriff's sale could be hdd is would be approJ<imately live (5) months from the date uflllis NOlice. A notice ofth. actual date of the Sheriffs Sale will be sent to you belore the .a\e. Of course, the amount needed to cure the default will increase Ihe longer you wait. You may lind oul al any lime exuctly wh.t the required payment Or actIOn will be by cOlllactmg Ihe lender. HOW TO CON"f ACT TH F. LENDER Name of Lender' Addre<<' Telephone N..mber EMC Mort~ilf!t: POBux 14135K Irvlll2 TX 7511\4.1358 800-436-7397 EFFECT OF SHERIFF'S SALE. YOll should realize Ihal a sheriff's >ale will end your ownef$hip orlhe murtsage<l propelty and yOur nglll to occupy it If you contmue 10 live in rhe properry after the sheriffs sale, a lawsuil to remove you and your furniture .nd other belongings could be started by tbe lender at.ny lime, ASSUMPTION OF MORTGAGE- You may nOt seU Or transfer your borne 10 a buyer or transltte. wou will assume the mortgage debt, pruvided [bal all the out>lalldmg payments, chlltges and anorneys' fees and coStS are pala pllor to or at the sale ana Ihat the other requirements orthe mortgage are satisfied YOLJ MAY ALSO HA YF THE RIGHT To sell the property to oblain money to pay offtlle mortgage debr, or bOrrower money trom another lendms institution to pay uffthis debt. To have this defuull cure<l by any third party aChng on your b.half. To hove the mortgage reslored ro lhe same posinon as ifno def~ull llad occurred. (However, you are nOI <lllitled 10 this right mllre lhan three times in ~ calendar year). To a.sert th~ nonexistence ofa def.ult in any for~closure proceeding or .ny other la\\,suit instituled under tb. mortgage aOcuments. To assert any ulher defense Yl>U believe you may have to such aClion by tile lender. To seek proteClion under the federal bank:ruptcy law. Sincerely, EMC Mortgille Corporalion We are anempJing JO collt:cl a debt, and any infomllnion that we receive may be us~d for that purpose:. ~. l~.: I V F. 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 'information is public records and reports of Plaintiff's agents. The undersigned understands that this statement herein is made subject to the penalties of 1.B Pa.C.S. Section 4904 relating to unsworn falsification to authorities. Mark J. Udren, ESQUIRE MARK J UDREN & ASSOCIATES ;!!I!\W;II!llIIll<j,j~l!illI!/;l~1IlIa!;;-'ll!t""'i~~f2;,j~WMi!ii;l,j~'~I~\c!:l!fi'il~~~!O~~~~~" l~ ~~~ -C~ B o~o --t';::: , () bC>- 1) I otF~ J "> .~, , _.. . ~~ o c ~- -::~ \ , IT ~ '.--": Z'" ~.;;-~;,~ ~~;~~': PC:: z --j -<. C::'i C::' ~ -'~'J ~_::,] - ""~1MlII ') ~,) C::.'::' v --"'" r:'? :..) lY' - 9 to ~-" w - " , " MARK J. UDREN & ASSOCIATES BY: MARK J. UDREN, Esquire ATTY I.D. NO. 04302 1040 N. KINGS IDGHWAY, SUITE 500 CHERRY IllLL, NJ 08034 856-482-6900 Bankers Trust Company of California, N.A. as trustee ATTORNEY FOR PLAINTIFF Plaintiff . : COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County v. Edward F. Semanko Defendant(s) : NO. 00-2487 civil term VERIFICATION OF SERVICE BY CERTIFIED MAn.AND REGULAR MAIL PIJRSUANT TO COlJRT ORDER The undersigned hereby verifies that he is counsel for Plaintiff in the above case and that pursuant to the Court order issued in this matter he mailed a true and correct copy of the Complaint in Mortgage Foreclosure to Defendant(s), by certified mail and regular first class mail, to the last known address of Defendant(s) as follows: DATE MAILED:Jll~ 17m) 2WO Edward F. Semanko 1717 Peyton Randolph Court New Cumberland, PA 17070 I verify that the statements made herein are true and correct and I understand that false statements made herein are subject to the penalties relating to unsworn falsification to authorities. Dated: ::J ul{j \ (+h ) '2fJ.J.) MARK J. UDREN & ASSOCIATES ~ Mark J. Udren, Esquire Attorney for Plaintiff + ~ fJ ~ o 05 <5 m m c: ~ m~ .~~,Jt ~ ~ DODD " " _,g~=~~ (J 2 ~ a. ~-o -e ::i ~ o ~ Q) 0 E ~i:5 ~~ (J)"O c__ . <c.m ~"Eo~ c.;?-$rs~E "!!l-t;Q)as~ ffi~-g:5~ Q) NO"Cl E ~ ~ ....:11 ffi~.9 g. mE m ..."O~ ~i~@~c :!:::Q)cOo2. (IJtr... lD.$- 2:t=;5?;:::5~ c."<:t >-m..c- gEc:5~B o~~g~5 . . . ~ E ~ ~"'iii E" ,g g; - ~ ~~ m " " '" ~ " ~:g :g:' '" '" ~ffi ~c6 .1J~ .!!!.~ " " ~ ~ " ~ ~ ::;; , .. :& ~ g wO: ~gq ~1D q w,;:: 0 DidO >< ci " - 8.:E~~ ~]~"2 Ill:: ~ ..... .E 15 2' ~ ~O~ <'5 ~ C k;; .f;~ ~ ~..9-Q..r-- d-d-e;- ~~~ \X . ~ i~~1 <=dr--S : \,)0 !-..;;:: J! o 1 "' i ~ ~ '" " C ~ " '0 :s w " 0: .. '" ,,e/\. , , ""' ~iUtliU",j~~.~"-~ " , ilIU",o.ill,~IIIil-lli.1~~i;-I~~ ~"'..~~.~': t I If: , ,r"' 'Xl ' J ~I~~ , /0 ii1 l';~ ~ ~ $ C} '/r ~ ~~'-ifi <~"'i'JfNno i3 ... /,-", '" ... """ .. NelON .. -DON rr ",.0 ~~"'~ U"J <Q r'I .., ..-. m POstage $ <Q~ ::r r=r S; Certified Fee m~",.., =r C CJ . Return Receipt Fee J" 0,,;; (Endorsement ReqUired) .., .0 'I Restricted Delivery Fee C \ " (Endorsement ReqUired) ClIO C1~O ::r CI m rr " " r I'J) ~>- ~ O~ g OJ: 0 m~CJo-' ~<5:gZ. ltoelc:nW-J Offi~!:::f := 0::0 52 ~ >- :i;:)Z V .0 "")"" :10::0 0:.... ~ i1 H;!IiU1II$!if;o;&\:illr<h~~'N!H:i!<ll!<ffiidb.!,,,,~~iMII " '0, ^'" ~~. ~. .. ~~..,..~~\i'~""'s.I C', ".- . ~~~llilllll ~q .~........ o c: <' -0f.6 ~~,}:'_:. (fJ ,,:.::_. -< .~; r,:::c; ~2 ~ -<.. ~ F , CO C:J f".,) , h~1 9 ." ,_.," d~~ '- :iJ -< ~, ,~ -::;I 'j;) " _--:...~. - L .e". 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 Bankers Trust company of California, N.A. as trustee under the Pooling and Servicing Agreement dated as of September 1,1999 Bear Stearns Asset-Backed Securities. Inc. Asset-Backed Cercificatees Series 1999-5 . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : NO. 00-2487 civil term plaintiff v. Edward F. Semanko Defendant(s) PRAECIPE TO SUBSTITUTE VERIFICATION TO THE PROTHONOTARY: Kindly substitute the attached Verification for the Verification attached to the Complaint in Mortgage Foreclosure with regard to the captioned matter. MARK J. UDREN & ASSOCIATES DATED: August 22, 2000 BY: Ma k . Udren, Esquire Att rney for Plaintiff ""',~ "~.,~-~ , ~~,. ,\\c:>~ iCY1'-l The undersigned, an officer of the Corporation which is the V E R I FIe A T ION Plaintiff in the foregoing Complaint or an officer of the Corporation which is the servicing agent of Plaintiff, and being authorized to make this verification on behalf of the Plaintiff, hereby verifies that the facts set forth in the foregoing Complaint are taken from records maintained by persons supervised by the undersigned who maintain the business records of the mortgage held by Plaintiff in the ordinary course of business and that those facts are true and correct to the best of the knowledge, information and belief of the undersigned. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Date: G/ &;- 00 ~~ ktlLL- ""1rame . T'tl'. WandllCQJUer CJ. e. <lUst. VicePresideut ompany: i 'lli~ilJll~~!k%1\O!."m!im".i1L"'ii!l!lX,[;~!Iil~H<l,*"ijlmlikl:t"tII1l;:;_..",,~~"".di.~};!~;I"""~'""~ ,~, , ~ FO' .h_ ~1Iii_IdIIIIlJalllltllfU -~lll>.iII!, ..-;J!ioIIl ~ ,-'~ o c: ""- -ot{ rnc'-: /---,. 2l::, (j) ,,': - =-</,', yC,: ~l~') ):?"c.:.. :;;:: ':2. c c:;) ~ '7) r~.) ,[) (I -=n ~_.~') '-:'? r (::. li.,' ~~ -I 1 I I I I . ",'1 ::< J.l' ~~ ~ < , " '~ , ~~ ~ SHERIFF'S RETURN - REGULAR CASE NO: 2000-02487 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND BANKERS TRUST CO OF CALIFORNIA VS SEMANKO EDWARD F CPL. TIMOTHY REITZ , Sheriff or Deputy Sheriff of Cumberland County, Pensyl vania , who being duly sworn according to law, says, the within REINSTATED COMPLAINT was served upon SEMANKO EDWARD F the DEFENDANT , at 0018:13 HOURS, on the 14th day of July , 2000 at 1717 PEYTON RANDOLPH COURT NEW CUMBERLAND, PA 17070 by handing to POSTED PROPERTY AT ABOVE ADDRESS a true and attested copy of REINSTATED COMPLAINT together with IN MORTGAGE FORECLOSURE, NOTICE and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Posting Surcharge 18.00 10.54 6.00 10.00 .00 44.54 So Answers: r~~--~~l R. Thomas Kline 07/17/2000 MARK J. UDREN ---- Sworn and Subscribed to before By: me this :20 day of ~;r A.D. j . Jl~lJLW) . AJ- , 'Prothonot ry -r c:r ~. -" 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 Bankers Trust Company of California, N.A. as trustee under the Pooling and Servicing Agreement dated as of September 1,1999 Bear Stearns Asset-Backed Securities. Inc. Asset-Backed Certificatees Series 1999-5 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 Plaintiff v. Edward F. Semanko 1717 Peyton Randolph Court New Cumberland, PA 17070 Defendant(s) . ,- ~ - ~ . ~-~"'Li ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. '00-2487 civil term PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Kindly reinstate the Complaint on the above-captioned matter. DATE: June 28, 2000 MARK J. UDREN & ASSOCIATES ~ Mark J.. Udren, ESQUIRE ATTORNEY FOR PLAINTIFF , ~~;si!liliillmJi.~~'L'i\:;!!j,i"''''~'''''h.~t.i",j..~",~~.,~.iiW''''''''lli__"",,~~-'''''' , , ~. ~. --- -~ ,_. .",.", ,'~,- " allltll'j~~~- "~"""'1", ~~ (") c:: _s:: vo:' 1Tir;t~ 2:-"' _ _C' 2:r' (/) .... fj(~- ~oQ 5'> c:: 2: =< J""~_._''''_ ~', I o o '- C- r= ~ "j"! r~ ,,11 '-:~(i'} '_'.r_, -:-j~/ g~ s;! :n -< o .U :.1r " ~ '::;, W , ~.<J.-'.- . MARK J. UDREN & ASSOCIATES BY: MARK J. UDREN, ESQUIRE ATTY I.D. NO. 04302 1040 N. KINGS IDGHWAY, SUITE 500 CHERRY mLL, NJ 08034 856-482-6900 Bankers Trust Company of California, N .A. as trustee Plaintiff v. Edward F. Semanko Defendant(s) AND NOW, this 'Zoo" day of 1- . -"~; JUN 1 9 2000!/J ATTORNEY FOR PLAINTIFF . : COURT OF COMMON PLEAS : CIVIL DIVISION : Cwnberland County . : NO. 00-2487 civil term ORDER , 20 64 ,upon consideration of Plaintiff s Motion and the Affidavit of Good Faith investigation attached hereto, it is hereby ORDERED that service of the Complaint in Mortgage Foreclosure and all subsequent pleadings on Defendant(s), Edward F. Semanko, shall be complete when Plaintiff or its counselor agent has mailed true and correct copies of the Complaint in Mortgage Foreclosure and all subsequent pleadings by certified mail and regular mail to the last known address of Defendant(s), Edward F. Semanko at 1717 Peyton Randolph Court, New Cwnberland, PA 17070 and by posting the mortgaged premises at 1717 Peyton Randolph Court, new Cumberland, PA 17070. BY THE COURT: ~~ /..,_ j.}-OO R\\5 "id,!!I!!I!WiWlliliilllih;~'Milt<i~"!k";IH"*!nj;;"'''-~i''.r~''''tlo:ih<l;~;@,iJ,;;"",, "_"'''''''J;"".,~",,<'i.'t!iJl;:!;,,ii:i'l!t'\l#.1<ii.!&J:Il' _W"<~'j~"*"""""""~ "l~&JiIt~l>iilij~lN~~-t f'~r" U... DO JUiJ ? :,'1 !,,',',".l!~ f-il") _ "U' ,,,,,::" ',., 1"(',iJI'Tv V ~~".~4._;;!~,i~'; '/U ,"},_~' ,\ , PEr~NSYLVi\N!A I ! -"""'''''''''''llI'- ~ ~~~-, . <~-" "~ ~~ ~ ~~-' - MARK J. UDREN & ASSOCIATES BY: MARK J. lODREN, ESQUIRE ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 Bankers Trust Company of California, N.A. as trustee ATTORNEY FOR PLAINTIFF Plaintiff . : COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County v. Edward F. Semanko Defendant(s) . : NO. 00-2487 civil term MOTION FOR SPECIAL SERVICE PURSUANT TO SPECIAL ORDER OF COURT Plaintiff, by its counsel, Mark J. Udren, Esquire, moves this Honorable Court for an Order directing service of the Complaint in Mortgage Foreclosure upon Defendant(s), Edward F. Semanko by regular mail and certified mail and in support thereof avers the following: 1. Process was unable to be served at the then last known address of said Defendant(s) at 1717 Peyton Randolph Court, New Cumberland, PA 17070, which is the mortgaged premises. A copy of the Return of Service is attached hereto as Exhibit A. 2. Pursuant to Pa.R.C.P. 430, Plaintiff made a Good Faith Investigation, the report thereof being attached hereto as Exhibit B. 3. Said investigation was unable to determine an alternate address for said Defendant(s). 4. The last known address of Defendant(s) is as set forth in the attached Exhibits. ~~,""""._h___'~~= ~L , " "'==lM; .. WHEREFORE, Plaintiff prays and respectfully requests that this Honorable Court enter an Order pursuant to Pa.R. C.P. 430 directing service of the Complaint in Mortgage Foreclosure by regular mail and certified mail upon said Defendant(s), Edward F. Semanko. MARK J. UDREN & ASSOCIATES By: Mark J. dren, Esquire Attome for Plaintiff ~.o;hH'iL"Il"'''''''' ~ -> " ~ Mii-" MARK J. UDREN & ASSOCIATES BY: MARK J.UDREN, ESQUIRE ATTY I.D. NO. 04302 1040 N. KINGS IDGHWAY, SUITE 500 CHERRY IllLL, NJ 08034 856-482-6900 Bankers Trust Company of California, N .A. as trustee ATTORNEY FOR PLAINTIFF Plaintiff : COURT OF COMMON PLEAS : CML DIVISION : Cumberland County v. Edward F. Semanko Defendant(s) . : NO. 00-2487 civil term MEMORANDUM OF J,A W Pennsylvania Rule of Civil Procedure 430(a) specifically provides: (a) If service cannot be made under the applicable rule the plaintiff may move the court for a special order directing the method of service. The motion shall be accompanied by an affidavit stating the nature and extent of the investigation which has been made to determine the whereabouts of the defendant and the reasons why service cannot be made. NOTE: A sheriff's return of "not found" or the fact that a defendant has moved without leaving a new forwarding address is insufficient evidence of concealment. Gonzales vs. Polis, 238 Pa. Super. 362, 357 A.2d 580 (1976). Notice of intended adoption mailed to last known address requires a "good faith effort" to discover the correct address. Adoption of Walker, 468 Pa. 165,360 A2d 603 (1976). An illustration of a good faith effort to locate the defendant includes (1) inquiries of postal authorities including inquiries pursuant to the Freedom of Information Act, 39 C.F.R. Part 265, (2) inquiries of relatives, neighbors, friends and employers of the defendant and (3) examinations of local telephone directories, voter registration records, local tax records, and motor vehicle records. As set forth in the Return of Service marked Exhibit A, the Sheriff and/or Process Server has been unable to serve the Complaint in Mortgage Foreclosure. A good faith effort to discover the whereabouts of the Defendant(s)has been made as evidenced by the attached Affidavit of Good Faith Investigation marked Exhibit B. ~~~ ~~-~'~ , " ". t,' WHEREFORE, Plaintiff prays and respectfully requests service of the Complaint in Mortgage Foreclosure upon Defendant(s) by regular mail and certified mail. MARK J. UDREN & ASSOCIATES By: Mark J. dren, Esquire Attorne~ for Plaintiff \"'"~~ ^'-''''''''":, SHERIFF'S RETURN - NOT FOUND CASE NO: 2000-02487 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND BANKERS TRUST CO OF CALIFORNIA VS SEMANKO EDWARD F 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 SEMANKO EDWARD F but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE NOTICE , NOT FOUND , as to the within named DEFENDANT , SEMANKO EDWARD F 10 ATTEMPTS WERE MADE TO EFFECTUATE SERVICE, HOWEVER DEFT. COULD NOT BE SERVED PRIOR TO 5/19/00. Sheriff's Costs: Docketing Service Not Found Return Surcharge. 18.00 33.48 5.00 10.00 .00 66.48 S~~~/ R. homas Kline Sheriff of Cumberland County MARK J. UDREN & ASSOCIATES OS/26/2000 Sworn and subscribed to before me this day of A.D. Prothonotary EXHIBIT A - "~ : Jun~13-00 09:00am From-PLAYERS ASSOCIATION 636Z300558 T-T30 P OZl03 F-443 PLAYERS NATIONAL LOCATOR AFFIDAVIT OF GOOD FAITH INVeSTIGATION Loan Nl.lmber: 0019524 Attorney firm: MARK J UDREN & ASSOCIATES Case Nl.lmDer: SI.IDjea. EDWARD F SEMANKO AKA. EDWARD SEMANKO Last Known Address. 1717 PEYTON RANDOLPH COURT NEW CUMBERLAND, PA 17070 Last Known NumDer: ( I - Michael K Gross. Dellig Ol.lly sworn accollMg to law. deposes and Says: 1. I am employeQ in tne capaCity of President for Players National Locator. ,2. On 05/30/2000. I eondl.lctea an investigation IOta the whereallouts of the aDalle named defendam(S). The results of my investigation are as follows: CREDIT INFORMATION. A. SOCIAL SECURITY NUMBER:181-42-8639 6, j;;.MPLOYMENT SEARCH: Unable to locate a good employer for Edward F SlImanko. C. INQUIRY OF CREDITORS: Creditors indicatlld that Edward F Semanko is residing at 1717 Peyton Randolph Court, New Cumberland, PA 17070 wim no valid home nllmber. INQUIRY OF TELEPHONE COMPANY - A. DIRECTORY ASSISTANCE SEARCH: Directory assistance had no Iistin!l. Contacted 717-931-1752 and spoke to Edward's IIx-wife who stated Edward lives at 1717 Peyton Randolph Court, New Cumberland, PA 17070. INQUIRY OF NEIGHBORS. NlA INQUIRY OF POST OFFICE. A. NATIONAL ADDRESS UPDATE: As of May 26, 2000 the National Change of Address (NCOA) has no change for Edward F Semanko from the last known address. MOTOR VEHICLE REGISTRATION- A. MOTOR VEtiIC~E & DMV OfFICE; The Pennsylvania Depilltment of Drivel$ Licensing has Edward F Semanko listed at me last known adClress. OTHER INQUIRIES. A. DEA TI1 RECORDS; As Qf May 26. 2000 me SOCial SlIc\lrity Administration has no death record on file for Edward F SlImanko and/or a.k.a,'s unCler his social security nllmber, EXHIBIT B Jun-13-00 09:00am From-PLAYERS ASSOCIATION 6362300558 H30 P, 03/03 H43 . . B. PUBLIC LICENSES ( PILOT. REAL ESTATE, ETC. ): None C. COUNTY VOTER REGISTRATION: 11Ie Cumberland County Voters Registration Office hu Edward F Semanko listed at the las' known address. AOOITIONAL INFORMATION ON SUBJECT - A. DATE OF BIRTH: August 1951 ---- / .c AFFIANT Micnael K Gross ~, ~ ~OTAA'Y SEAL' KOSl1ne M. Scan NOIll/)' Public t'y~oi8 CQunty, Slale of Missouri mlll1SSlOn Ex9ires 9/2J2OO2 Players National Locator 16201 Westwoods Business Park Drille St. Louis, MO 63021 Phone: (636) 230-9922 Fax: (636) 23()..0558 EXHIBIT 8 ~loA&l..- ~~ ~~- -""")(;/j " . VERIFICATION Mark J. Udren, Esquire, hereby states that he is the Attorney for the Plaintiff in this action, that he is authorized to take this Verification, and that the statements made in the foregoing MOTION FOR SPECIAL SERVICE PURSUANT TO SPECIAL ORDER OF COURT are true and correct to the best of his knowledge, information and belief. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. Sec 4904 relating to unsworn falsification to authorities. MARK J. UDREN & ASSOCIATES Date: (,~ lo~OO Mark J. dren, Esquire Attorney or Plaintiff ~"- ~ .\71-,1 . .. .. ' . MARIO. UDREN & ASSOCIATES BY: MARK J. UDREN, ESQUIRE ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY illLL, NJ 08034 856-482-6900 ATTORNEY FOR PLAINTIFF Bankers Trust Company of California, N.A. as trustee Plaintiff : COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County v. Edward F. Semanko Defendant(s) . : NO. 00-2487 civil term CERTIFICATE OF SERVICE I, Mark J. Udren, Esquire hereby certify that I have served true and correct copies of the attached Motion For Special Service upon the following person(s) named herein at their last known address or their attorney of record by: x Regular First Class Mail Certified Mail Other Date Served: (p - r 1:>. 0 D TO: Edward F. Semanko 1717 Peyton Randolph Court, New Cumberland, PA 17070 MARK J. UDREN & ASSOCIATES By: Mark J. Attorne 11~;ll!mail~llj~nB,w;t;<Mf.,ili&_"l!J_~1OlILl~'IIl#._AAI","~~i~l"'i6''';';>~<:i~illil!iM!;W~i1I!~~~>~l#iI!l\Mll~.!lIli.-.iU I ~. " "~ ~ . I , I i I I . 0 0 () ~ C) -T"! ~~ ,. ""D-r3~j ~~2 rl ,". ~ I~~.~ , L.- c'-; ! (D , -< C~ :, '.~) r::: -,., y; :> t'""') :J~ (:~j , "- " . :--~ 0 ;-n i ('\ ~ C () !.., -~ z 2Q :::<! ~ 01 '< . <.-' ~~ ~,-- ,.. -.~ 1f/; . ~ -.'1l1 , . " SHERIFF'S RETURN - NOT FOUND 1 CASE NO: 2000-02487 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND BANKERS TRUST CO OF CALIFORNIA VS SEMANKO EDWARD F 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 SEMANKO EDWARD F but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE NOTICE , NOT FOUND , as to the within named DEFENDANT , SEMANKO EDWARD F Sheriff's Costs: Docketing Service Not Found Return Surcharge 18.00 33.48 5.00 10.00 .00 66.48 so-; R. Domas Kline Sheriff of Cumberland County MARK J. UDREN & ASSOCIATES OS/26/2000 Sworn and subscribed to before me this /.....A- day of ~ d-01t0 A.D. Q.~~ (2 ~/~ Pro h notary ;1': '--"",_ . - i. " ~ MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY RILL, NJ 08034 . 856-482-6900 Bankers Trust Company of California, N.A. as trustee under the pooling and Servicing Agreement dated as of September ~,~999 Bear Stearns Asset-Backed Securities. Inc Asset-Backed Certificatees Series ~999-5 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 Plaintiff v. Edward F. Semanko 17~7 Peyton Randolph Court New Cumberland, PA ~7070 Defendant(s) , J """"'.~, WE HEREBY CERTIFY THE . WITHIN TO BE TRUE AND .J\ J CORRECT COpy OF THE ORIGINAt' - ATTORNEY FOR PLAINTIFF - COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County TRUE COpy FROM RECORD In Testimony whereof, I here unto Sitllr)' hand "" ... ... .. said~, flisl,e, Pa, . This ..o~~~ clay 0 .', ~"r;;") \... ~ ~ 9 ..... r d othonotary : NO. 00 - ;l4P7 CtJ;(T~ 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 TRE 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 ~70~3-3387 717-249-3~66 .'" ""'~ ,~~ ~ ,.'. " , " "' 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 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 importantes para usted. LLEVE ESTA DEMANDA A 'lJN ABOGADO IMMEDIATAHENTE, SI NO TIENE ABOGADO o SI NO TIER EL DIRRO Stl'FICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA 0 LLAKEPOR TELEFONO A LA OFICINA ctJYA DIRECCION SE ENCt1EJlTRA ESCIUTA ABAJO PARA AVERJ:GUAR DONDE SE PtJEDE CONSEGUJ:R ASJ:STENCJ:A LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, Pa 17013-3387 717-249-3166 ,~- ..2;. ~~-~ '< 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 obtain verification of the debt or a copy of a judgment against you, and mail it to you. Hyou do not dispute the debt, it is not 8IIl 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. Hyou 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 Isl Mark J. Udren, Esquire 1040 N. Kings Highway, Suite 500 Cherry Hill, NJ 08034 (856) 482-6900 . . .' 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: North American Mortgage Company Assignments of Record to: Bankers Trust Company of California,N.A. as trustee under the Pooling and Servicing Agreement dated as of September 1,1999 Bear Stearns Asset-Backed Securities. Inc. Asset-Backed Certificatees Series 1999-5 Recording Date: Lodged for Recording 2. Defendant 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 and mortgagor of the premises being foreclosed. 3. On or about the date appearing on the Mortgage hereinafter described, at the instance and request of Defendant, Plaintiff (or its predecessor, hereinafter called Plaintiff) loaned to the Defendant 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: 1717 Peyton Randolph Court MUNICIPALITY/TOWNSHIP/BOROUGH: Lower Allen Township COUNTY: Cumberland DATE EXECUTED: 3.31/99 DATE RECORDED: 4/1/99 BOOK: 1530 PAGE: 983 The legal de$cription 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 ~iOii' iii t~ ,. 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 3/22/00: Principal of debt due and unpaid Interest at 11.4% from 11/01/99 to 3/22/00 (the per diem interest accruing on this debt is $17.02 and that sum should be added each day after 3/22/00) $54,488.16 2,433.86 Title Report 250.00 Court Costs (anticipated, excluding Sheriff's Sale costs) Escrow Overdraft/(Balance) (The monthly escrow on this account is $0.0 and that sum should be added on the first of each month after 3/22/00) 280.00 0.00 Late Charges (monthly late charge of $27.47 should be added on the fifteenth of each month after 3/22/00) Attorneys Fees (anticipated and actual to 5% of principal) 109.88 2 724.41 TOTAL $60,286.31 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 I 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. ~.. -....... ,~ .-, "~ii, 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, ac~ordance 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 eligibility. WHEREFORE, the Plaintiff demands judgment, in rem, against the Defendant herein in the sum of $60,286.31 plus interest, costs and attorneys fees as more fully set forth in the Complaint, and for foreclosure and sale of the MOrtgagej!'~reoises. Mark J. U ren, ESQUIRE MAR ! J. UDREN & ASSOCIATES Att rney for Plaintiff Attorney I.D. No. 04302 r',;;!iiJ&W~#' ~~~~:... -,,',. :"/J" ALL '!I!HA!I! Cl!:R!rA:[N LOT OR PJ:ECE 01' LAND SJ:TUATE J:N LOWER ALLEN TOWNSHJ:P, CUMBERLAND COUN'l'r, PI!:NNST.r.VANJ:A, BOUNDED AND DESCR:IBED AS FOLLOWS, TO WJ:T: BEGJ:NNJ:NG AT A POJ:N'l!, SAJ:D POJ:NT BEJ:NG LOCATED THE FOLLOWJ:NG NJ:NI!: COURSES AND DJ:STANCES FROM PERDill!\TI!lR COOlUlJ:NATE 6 AS HOWN ON TIlE AS-BUJ:LT PLlIN REFERENCED HEIlEJ:N; (1) BY A CURVE !!'O THE LEFT HAVJ:NG A lUIDJ:US 01' 351.97 FEE!!', AN ARC DJ:STANCE 01' 88.75 FEET !!'O A POJ:NT AT TIlE :tNTEBSECTJ:ON 01' CAl'J:TOL VJ:EW DRJ:VI!l ' AND TIlE CENTER LJ:NE 01' PEYTON 1UIl'IDOLPH COt/R'r; (2) ALONG 'rIlE CENTER LJ:NE 01' PEYTON 1UIl'ID0LPH COt/R'r, SOUTH 20 DEGREES 02 MJ:Ntl'l!ES 43 SECONDS EAST, A DJ:STANCE OF 143.0 FEET; (3) SOUTH 25 DEGREES 57 MJ:Ntl'l!ES 17 SECONDS WEST, A DJ:STANCE 01' 87.0 FEET; (4) SOUTH 67 DEGREES 27 MLNUTES 17 SECONDS WEST, A DJ:STANCE 01' 96.0 FEET; (5) NOR!rH 51 DEGREES 02 MDlUTES 43 SECONDS WEST, A DJ:S~E OF 12.28 FEET; (6) SOUTH 26 DEGREES 44 MJ:Ntl'l!ES 40 SECONDS WEST, A DJ:STANCE 01' 53.84 FEET !!'O A POJ:NT ON TIlE EASTERNIdOST CORNER OF'LOT 41; (7) NORTH 63 DEGREES 15 MJ:Ntl'l!ES 20 SECONDS WEST, A DJ:STANCI!: 01' 26.0 !'EZT; (8) 'NORTH 26 DEGREES 4,4 MJ:Ntl'l!ES 40 SECONDS EAST, A DJ:STANCE OF 4.0 li'EET; (9) ~RTH 63 DEGREES 15 ~ES 20 SECONDS WEST, A DJ:STANCE 01' 40.0 FEZT TO A POJ:NT ON THE DrvmJ:NG LJ:tlE BETNEEN LOT 43 AND 44, SAJ:D POJ:NT Ill!:J:NG TIlE POJ:N'l! AND PLACE 01' BEGJ:NNJ:NG; TIlENCI!: CONTJ:Nt1J:NG ALONG TIlE SAJ:D DJ:VJ:DJ:NG LJ:NE AND PASSJ:NG TIIROUGH 'rIlE CENTER LJ:NE OF A PAlln W7lLL DrvJ:DJ:NG UNJ:T 43 AND 44, SOUTH 26 DEGREES 44 MJ:Ntl'l!ES 40 SECONDS WEST, A DJ:STANCE OF 24.0 FEET TO A POJ:NT; TIlENCI!: NOR!rH 63 DEGREES 15 MDlUTES 20 SECONDS WEST, A DJ:STANCE OF 26 li'EBT TO A POJ:N'l!; THI!lNCl!l NOIl!lm 26 DEGREES 44 MJ:Ntl'J!ES 40 SECONDS EAST, A DJ:STANCE OF 24 FEET TO'A POJ:N'l!; THENCE S~ 63 DEGREES 15 MDlUTES 20 SECONDS EAST, A DJ:STANCE 01' 26 FEET TO A POJ:N'l! ON TIlE DrvmJ:NG LJ:NE BETNEEN LOT 43 ANI) 44, SAJ:D POJ:N'l! BEJ:NG THE POJ:N'l! AND PLACI!l 01' BEG:D1NJ:NG. Ill!:J:NG LOT NO. 44 AS SHOWN ON TIlE AMENDED FJ:NJlL PLlIN 01' IIlJN'rZR'S lUDGE IU!:COlUlED J:N PLlIN BOOK 58, PAGE 62, AND AS MORE PARTJ:CULl\1\LY DESCIUBED ON AS- BUJ:LT PLlIN 01' SECTJ:ON J:J:J:, HtlN'l!ER'S RJ:DGE DATED AUGUST 9, 1990 AND RECOlUlED J:N PLlIN BOOK 61, PAGE 23. ,~". , Mar-27-00 12:10pm . From-EMC MORTGAGE CORP SERVICE CENTER " '" +9728312997 T-945 P,04/42 H20 IMC MORTGAGE CORPORATION P 931 J.49 107 FebNat) 2, 2000 VIA CERTIFIED MAll RETURN RECEIPT REQUESTED Copy Via Regular Mail 02/0112000 1974153 EDWARD F SEMANKO 17171'EYTON RANDOLPH CT 'NEW CUM]:IER)..AND. PA 17070 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This i~ an officialnotlcc thar the moneavt- on "our home is in defalJtt. and the l~nder tntendc; to foredose. Spc-cific informalion ahOulthe nam", oithe defalllt is pro"id~d in the allach~d paees The Homeowners' I'mergency Mongage AoslStance Program (HEMAl') may be able ro help to sa". YOllr home. Tlw notice e"plains how the program works. To see if HE MAP can h.lp "ou. VOII musr MF.ET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN ~o DAYS OF THE DATE OF THIS NOTICE, Take Ihi~ NOlice wllh Vall when "Ou meet wilh the cOunsehn~ agency. 'T'he name. addTell;~ and phon," oUlnber of Consumer Credit COlln'llelina Agencies ~i,u!. \fnur cOlIn[\( are Hsred ar [he' C:lId ofthi~ NOlice IfvolI ha"e an" queslions vOu mav call the Penn,,,lyania Hou~in", Finance Agency loll fu.e at 1-800-342- 2397 (pe...ons Wilh ImDaired hearin~ call call717-780.1869\. La NOlificaion ell adjunto es LIe suma imponancia, pues _feclll'u derecho a conlinuar yiviendo en su easa Si no comprende cI contenido de esta notili.jon oblen811 un~ traduccion immedtatamenle Illlltlanlio eSTa all"ncia (Perms)'l,,"llia Housing FinanCe Agency) sin cargos al Rumero mellciDnado an-il>a. Puedcs seT <legible para lllI prestamo pDr et program_ Ilamado "Homeowners' Emc:rgency Mongage Assl>lance Program" a\ cual p~ede salvar su casa de la perdidli del (j<rccho a redimit su hlpoTeca, HOMEOWNER'S NAME(S) . EDW ARD F SEMANKO PROPERTY ADDRESS. \717 PEYTO:N RANDOI.PH NEW CUMBERI.AND PA 17070 LOAN ACCOUNT NUMBER: 1974153 CURRENT LENDERlSERVICER: EMC MORTGAGF. COMPANY You may he: l!'ligihll: for financial ilSsistance which can C:alV'e "our home from fOr@c)o'l.l1rcandhelpyoumakefuture monlla!!:e pa"mcnT' if you cDmply wilb Ihe provision of !/Ie HomeDwners' Emergency Mongage Assistance ACt of 1983 (the "Act") YOu may be ehgible for emc:t$enc)' mongage assistance; If your default has been caused by ciTcumStanecs be)'ond )'our comrol, you have a rcasonable prospect of being able to payYDur mongage payments, anll if you meet other eligibility rcquitemen15 estllblished by Ibe Pennsyl"ania Housln~ finance Agency. TEMPORARY STA Y O~' FOREcLOSURE- Under the ACt. you are entitled 10. tc:mpol'al)' slay oflhe foteclosure on your morrgage fDr thirty (3Q) days li'om tIIc date or Ibis NOTice. During thai time you mUSI artalllle and attend a "'face-lo- facc" m~eling With one oflhe lIesignated cDnsumer counseling agencies li.1l:d at tbe end of Tbis NOTice, Thi. meelin!!: must occur wllhin the ne"t IhiT!\< /30\ cia".. IF YOU no NOT APPI.Y FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE lIP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPI.AINS HOW TO BRING YOUR MORTGAGE liP TO... ge.n. , .-: ... 'f Mac Anllur Ridge II, 909 Hidden Ridge Drive. Sune ~QO, Irving. Tex.. 76038 tAAl~'NG ADDRESS: P.O.IIa" 141358.lnring. Texu 75014-1358 \EXhibltA , ... .-.....-.... "Yl" ~ - ~ " ~ " . Mar-2T-00 12:IOpm . " From-EMC MORTGAGE CORP SERVICE CENTER , ; +9T2BS 1299T 7-945 P. 05/42 H20 pag,e two 1974153 CONSUMER CREDIT COllNSEI.lNG AGENCIES- If)',,\! alknd a tltce-Io-face m""ling with one ofthe consumer credit counselmg agencies lisled al the end Oflhls Notice, the lender ml)' NOT raJo.e flltlher attion againsl you for Ihln)' (30) days lllier Ihe dale oflhis meeling The name. addre.ses and lelephone numbe~ of de<umared cOllsumer counseling 'Ilencle. for the counl~ In which your property IS located are "'I fOM al the end oflhis Nonce. It is only neces'lllry 10 Schedule Ooe lace-la-face meeting. You should ad~ise this lender immediatrly of your intentions. APl'LlCA nON fOR MORTOAGF. ASSISTANCE. Your mongage is m defaull for the reasonS set fOrth later in this Notice (see following pages for spo:c:ilic inflll1llalion aboul the nalure DC your default) If you lI3vc tried and arc llllabk to resolve this problem w ilb the lender, you ha~e the right 10 apply for financial assistance frum Ihe Homeowners' Emergency Mongage Assistance Fund In onler to clo this, you musl fill OUI, sign and tile a complelcd Homeowners' Emergency Assislance Application wilh one of the designaled CllDSlIIIICT credll counseling agencies listed allhe end of Ihis Norice Only consumer credit counseling agencle> have appliclltl11IlS for Ihe program lndrhey WIll aSSist you in submitting a completed application 10 the PennsYI~ania Housing finance A$ency , Your application MUST be filed or postmarked withm thirty (30) days of your fac....to-fac. meeting. YOU MUST fILE YOUR APPLICATION PROMPTL Y. IF YOU FAll, TO 00 SO OR If YOU 00 NOT FOLLOW THE OTHER 'riME PERIODS SET FORTH rN THIS LETTER, FORECl.OSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE wrll BE DENIED AGENCY ACTION. A~ailable funds for .mergency mongage 3Sslstance are very limiu:C1. The)' will be C1i.hu",eCl by the Agency under the eligibility critella established by me ACI. Tile Pennsylvania Housing fioance Agency has sixI)' (60) days 10 make a d.cision lIfrer II receiVe, you applicalion During that additional time, no foreclosure proc.edings wilf be pursuecl against you il"you have met thi: time requlr.ments sat forth abo~e You will be notified directly by the Agency of its deciSion on your apphcation. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETlTION IN BANKRUPTCY. THE FOLLOWING PART OF TKIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN An'EMPT TO COLLECT THE DEBT. (If you h...ll\ed bankr..ptcy you can .liII apply for Emergency Mortgage Assistance) HOW TO CU~E YOllR MORTGAGE DEFAULT/811M ir up 10 date\ - NATURE OF THF. DEF'AlJ!-T - TheMORTGAGE debt held by the above lender on your property localed at 1717 PEYTON RANDOLPH NEW CUMBERl.AND. PA 17070 IS SERIOUSI.,Y IN DEFAUl.T heeduse : A. YOU I-tA VE NOT MADE MONTHlY MORTGAGE I'A YMENTS for the lollo""ng montlls and lI,e following alllounts lire now paS! due: (:>) 3,0 Paymenls @ $549.32 B. VOU HAV~ FAILED TO TAKE THE fOLLOWING ACTION (ifapplic.bJe): HOW TO CI IRE THE DEFAUl T- You may cure rhis <lefuult Within llilRTY (30) days from the dal< ofthb Jeller BY PA VINO THE TOTAL AMOUNT PAST DUE TO Ll::NDER, WHICH IS, $1.102,911 PLUS ANY MORTGAGE PAYMENTS AND /..ATE CHARGES (and om<r charll<s) WH1CHBECOMJ: DUE DURING THE THIRTY (30) DAY PERIOD Payments musl be made ellller by cash, cashier's check, certified check, or mone)' order made payabl. to EMC . MOl1gage COlpOranon al PO Box J413SB, Irving, TX 75014-1358. ,~' ,~~r-2T-00 12:10pm .. From-EMC MORTGAGE CORP SERVICE CENTER ,-. v_ .. ! +972B31299T T-945 P.06/42 H20 .. Palle3 1974153 . IF YOU DO NOT ClIRE THE DF-FAUI.T. If you do not cure the defa~lt..ilhin Tl-URTY (30) days of thl.letter date, the lender intends 10 e.ercise if< ri~hl to accell!rdle the mon~.pe d~bt. This me~ns thai the entire outStanding balance of this debt wllIlle conside",d dlle immediately, and you may lose the chance II> pay lbe mortlllllle In monthly Installments. If full payment ol'the amount of default is nOt m~de within THIRTY (30) days oCthe leller date, EMC Moltgag,e Corporation also int<nds to instruct thc:lr allomeys to stan a legal action to foredu.... IlP<lT' vour mon:lla~ed propel'\)' IF THE MORTGAGE IS FORECLOSED lJPON-. The mon:gaged propeli)' will be sold by Ihe SheritTto pay olTthe mortgage debt. If the lender refers your case to its anorneys, bul you cure the debnqllency before they begin legal proceedings agamst you., you will ha~eto pa)' lhe reasonable attorney's fees :lclually incumll up to $50,00. Howe~er. if legal proceedings arc started ltgiinSl you, you Will ha~e 10 pay the rellSonable attorney's ICes actually mcurred even if they are over $50 00. Any anomey's tees will be added to Ihe amount you owe rile lender, which lIIlly also inclllde theIr reasonable costs.lfvou cure: Ihe default within Ihe THIRTY (30\D.. Y period you will not be required to pav attome~s' fee.. OTHER LENDER REMEDlES- The lender may also sue you porsonally tor the unpaid principal ballll\ce, and all other S\llTls due under the Mongage. RIGHT TO CURE THf. DEFAIIL T PRIOR TO SHERIFF'S SALE- If you have not cured the detltult within the Tl-URTY (30) dll)! period lInd ibreclosure proceedings have begun, you stIli ha~e Ihe right 10 cur< the defalllt and prevl:t1t the >lIle at any time up to one hour before the Sheritfs Sale. You may 110 so lly paying the tot.1 amo..ntmen pasr d.... plus any lale charges, cbarges men dUe, reasollable attorneys' lees ancl COSts connec:tcd wilh Ibe foreclosure sale and any other cOSts connectl<d with the Sheriff's Sale as specified in writing by the lender "lid by performing any other requiremenls under the mortgage. Curing your default in the tnllMer sel forth in this Notice ..ill reSlore your mortgage to tile $Hme position as if you had ne~er defaulted. EARLIEST POSSIBlF. SHERIFF'S SALE DATE. It is estimated that the earliest date that such sheriff's sale could be held is would be approximately ti~e (5) months from the date of this NOlice. A Ilotice of the ~ct~al date ofthcSherif!'s S3le will be sent to you before the sale. or cOllrse, tbe amoWlt needed 10 cure me derallll will increase melonller yOIl wait. You may lind out ~l any time el<llctly what the require<1 paymenl Or aCllOll will be by cOlI\act,ng Ihe lender, HOW TO CONTACT THF.lENDEIt Name of lender' A<1dre.. . TelephoQe Number EMC MortP8ac:: POBox 141358 hlD~ TX 751114.13S8 800-436-7397 EFFf.CT OF SHERIFF'S SALE- YOII should realize that a sheriff's >'lIe will end your ownership of the ml>ltgaged propc\t)' and your nghlto occuPy il Ifyoucomlnlle 10 live in the prope\t)' after the sheriff's s~le. a lawsuillo remove you and your furniture and other belongings could be started by the lender at ~ny tIme. ASSUMPTION OF MORTGAGr.- You may nor sell Or transfer your home 10 a buyer or transferee who will assume lhe moltgage debt, pro~ided thai all the ollt>lalldmg paynlentS, charges and anomeys' fees and CIlSts are paid prIOr to or :It the sale and thai the Other requircmentsofthe mortgage are satisfied . yoq MA Y ALSO HA VF THE RIGHT To sell the prope\t)' to obtain money to pay ofl'lhe moltgalle <Iebl, or IlOrrower money from another lendmg institution to pay off this debr. To ha~e this defi4ull cured by any third pany aCbng on your behalf. To h~ve the monllage restored to lhe same positIon as ifno default had occUlWd. (Howe~er, YOII are not entided to this right more rhan Iluee times in a calendj1( year). To assert the nonexistence of a default in any foreclosure proceeding or ~ny other lawsuit instituted under the mortgage documents. To assert any other defense YUll believe you ma~ have to such lil.'tion by tile lender. To seek prolection llllder the federal bankruptcy law. Sincerely. EMC Mangage Corporation We art: anempting to coll~t a debt, allll any information Ihat we receive !lIay be uSlld for that plltpOSC:. ~~.-~ ~ ",. J'~;':' . . . , " V ER I FIe A T TON 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 information 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. , I I , I Mark J .J Udren, ESQUIRE I MARK J { UDREN & ASSOCIATES ~ ,-., -,', APR ZO A j ..... ,I! iii r ;~)Q ~ I:n:iiJ ~ ~ IMJ ~ ~ ~ ~ [fi@ 'OFF~{~;E O[~ T'l~., SHEHIF-F CU~~- "'')U:HY ~ ; '0 r,_': ~,. ,i r ,...: (~ \i i \J,).' r I ,\ , ',) ~ l._ , ;-."." ,'--, " . , '.. '~ " b~.~ r~m!i<l~>I:'!l~~~W(I'J1li~l<',,:!';;ijIlt_g^,I''''~J:'~_~~'~W''l'i;~f-V!Rl'""$!!'wa.>~!!iiV!~F.!~~~1Ilm1ij~_%~r~~~!f;\!ll' . . - . \ I Bankers Trust Company of California N .A. -vs- Edward F. Semanko In The Court of Common Pleas of Cumberland County, Pennsylvania No.2000-2487 Civil R. Thomas Kline, Sheriff, who being duly sworn according to law, says this writ is returned STAYED. Sheriff s Costs: Docketing Poundage Posting Bills Advertising Law Library County Levy Postpone Sale Surcharge Certified mail Mileage Law Journal Patriot News Share of Bills Sworn and subscribed to before me This C291b day of JrI1...ud...J 2000, A.D. Qt,J2 )n,JdL~/j}~,;' P ot onotary 30.00 16.95 15.00 15.00 .50 1.00 15.00 40.00 20.00 1.60 21.08 377.00 288.30 23.15 864.58 pd by atty 03/09/01 ~~~ R. Thomas Kline, Sheriff By~:)lt4- Real Estate Deputy ,..... . .~ I. ~1) 1YI..--31 (,9'f '{3f uk, / b'f . \> : ,--, . - . ~Ri. ' 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 Bankers Trust Company of California, N.A. as trustee under the Pooling and Servicing Agreement dated as of September 1,1999 Bear Stearns Asset- Backed Securities. Inc. Asset-Backed Certificatees Series 1999-5 909 Hidden Ridge Drive; Suite 200 Irving, TX 75038 Plaintiff . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE v, Edward F. Semanko 1717 Peyton Randolph Court New Cumberland, PA 17070 Defendant(s) :NO. 00-2487 civil term AFFIDAVIT PURSUANT TO RULE 3129.1 Bankers Trust Company of California, N,A, as trustee under the Pooling and Servicing Agreement dated as of September 1,1999 Bear Stearns Asset- Backed Securities. Inc, Asset-Backed Certificatees Series 1999-5, Plaintiff in the above action, by its attorney, Mark J. Udren, ESQ, , sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at: 1717 Peyton Randolph Court, New Cumberland, PA 17070 1. Name and address of Owner(s) or reputed Owner(s) : Name Address EDWARD F, SEMANKO 1717 PEYTON RANDOLPH COURT, NEW CUMBERLAND, PA 17070 2. Name and address of Defendant(s) in the judgment: Name Address SAME AS #1 ABOVE 3, Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address NONE 4. Name and address of the last recorded holder of every mortgage of record: Name Address Plaintiff herein, See Caption above. ~,~ "'" ,,~- - ~" ,", - '---", , 5. Name and address of every other person who has any record lien on the property: Name Address HUNTER'S RIDGE HOMEOWNERS' ASSOCIATION 1405 HARWICH COURT, NEW CUMBERLAND, PA 17070 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 Address REAL ESTATE TAX DEPT. 1 COURTHOUSE SQ., CARLISLE, PA 17013 Domestic Relations Section 13 N. HANOVER ST" CARLISLE, PA 17013 Commonwealth of PA, Department of Revenue Bureau of Compliance, Dept. 280946 Harrisburg, PA 17128-0946 7, Name and address of every knowledge who has any interest the sale: Name other person of whom the plaintiff has in the property which may be affected by Address Tenants/Occupants 1717 Peyton Randolph Court, New Cumberland, PA 17070 STEVEN HOWELL, ESQ. 619 BRIDGE ST., NEW CUMBERLAND, PA 17070 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, MARK J, UDREN & ASSOCIATES DATED: August 22, 2000 r~;v/ Mark J,I ul.ek, ESQ, Attorney for Plaintiff Ii , I" '''~\ 1\ lO\ 'jiWit\n1iY; djlj!)j!.. <= q;; """VJUlliUJ.t.-,/ , MARK J. UDREN & ASSOCIATES BY: MARK J. UDREN, ESQUIRE ATTY LD. NO. 04302 1040 N. KINGS IDGHWAY, SUITE SilO CHERRY HILL, NJ 08034 856-482-6900 Bankers Trust Company of California, N .A. as trustee ATTORNEY FOR PLAINTIFF Plaintiff : COURT OF COMMON PLEAS : CML DIVISION : Cumberland County v. Edward F. Semanko Defendant(s) . : NO. 00-2487 civil term ORDER . 1l0+1. . 1':'. r AND NOW, tlns..c. day of JlI.Ne. , 2000 ,upon consideration of Plaintiffs Motion and the Affidavit of Good Faith investigation attached hereto, it is hereby ORDERED that service of the Complaint in Mortgage Foreclosure and all subsequent pleadings on Defendant(s), Edward F, Semanko, shaH be complete when Plaintiff or its counselor agent has mailed true and correct copies of the Complaint in Mortgage Foreclosure and all subsequent pleadings by certified mail and regular mail to the last known address of Defendant(s), Edward F. Semanko at 1717 Peyton Randolph Court, New Cumberland, PA 17070 and by posting the mortgaged preniises at 1717 Peyton Randolph Court, new Cumberland, PA 17070. BY THE COURT: /51 ~,,;"YI d l1Ml) J. n;:: r~,;y" 1:"0" "O:C,""'\!?'" " -" ':" ,.,~ " II J'",y ~V:l llt.~' t.Ji~:i.,.;I '.' ',' t.' f' k . ..' d 'ill j ;~~ ~;ll')t,y '//n.)teo.] 1 flar-e un-m ~er my nan '::arid i-he Seal o'f said Court at Car-11~lBo Pa~ .~~.hi' .m..2~~::1alf PLJ:~....~.:.,. . ,(g). ~.~r\ . .~, " J J ... . . . roth~~:~~; . .' - '" 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 Bankers Trust Company of California, N,A, as trustee under the Pooling and Servicing Agreement dated as of September 1,1999 Bear Stearns Asset- Backed Securities, Inc, Asset-Backed Certificatees Series 1999-5 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 Plaintiff ATTORNEY FOR PLAINTIFF . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE v. Edward F, Semanko 1717 Peyton Randolph Court New Cumberland, PA 17070 Defendant(s) : NO. 00-2487 civil term NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: EDWARD F. SEMANKO 1717 Peyton Randolph Court New Cumberland, PA 17070 Your house (real estate) at 1717 Peyton Randolph Court, New Cumberland, PA 17070 is scheduled to be sold at the Sheriff's Sale on December 6, 2000, at 10:00 AM in the CUMBERLAND COURTHOUSE, COMMISSIONERS HEARING ROOM, 2ND FLOOR, CARLISLE, PA to enforce the court judgment of $63,027,72, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale, NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SAI.E To prevent this Sheriff's Sale, you must take imm@diatA a~tion: 1. The sale will be cancelled if you pay to the charges, costs and reasonable attorney's fees. you may call: (856) 482-6900 mortgagee the back payment, late To find out how much you must pay, 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. more chance you will have of stopping the sale. to obtain an attorney.) The sooner you contact one, the (See notice on page two on how - ~, - ~...- ~ . 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 856-482-6900. 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 856-482-6900. 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 after 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 Schedule of 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, LAWYER REFERRAL SERVICE Cumberland County .Bar Association 2 Liberty Avenue Carlisle, Pa 17013-3387 717-249-3166 ASSOCIATION DE LICENCIDADOS DE FlLADELFIA Cumberland County Bar Association 2 Liberty Avenue Carlisle, pa 17013-3387 717-249-3166 . =' - '" :;';-, '\~\~.~ " ALL THAT CERT.AJ:N LOT OR P:IECE OF LAND S:ITUATE :IN LOWER ALLEN TOWNSHIP, CllMBEELANIl COtlN'rY, PEmisn.>nwa, BOUNDED AND DESCRIBED AS FOLLOWS, TO WJ:T: BEG:INN:rNG AT A PO:INT, SAID PO:INT BE:ING LOCATED THE FOLLOWDlG N:INE COURSES AllIt) D:ISTANCES FROM PElUMETER COOIlDDlATE 6 AS HOWN ON THE AS-'llUILT PLAN REFERENCED HERE:IN; (1.) BY A ClJRVE TO THE LEF'!! IlAV:ING A lAAD:IUS OF 351..97 FEET, AN AP.C D:ISTANCE OF 88.75 FEm'!! TO A .po= AT THE =EI\SEC'!!:ION OF CAP:ITOL VJ:l!:W DlUVE AND TIlE CEN'llER L:INl!\ OF PEnON IUlNDOLPlI COURT; (2) ALONG '!!lIE CENTE1'l. L:tllE OF PEY'rON IUlNDOLl1H COURT, SOUTH 20 DmGREES 02 wrNUTES 43 SECONDS EAST, A DJ:ST1lNCl!l OF 1.43.0 FEET; (3) SOUTH 25 DJ!:GREJ!:S 57 MINUTl!:S 1.7 SJ!:CONDS WEST, A D:IST1lNCE OF 87.0 FEJ!:T; (4) SOUTH 67 DEGREES 27 MINtlTl!:S 1.7 SECONDS WEST, A DJ:ST1lNCl!l OF 96.0 Fl!J!:T; (5) NORTH 51. DJ!:GREES 02 MINtl'rES 43 SJ!:CONDS WEST, A DJ:S~CE OF 1.2,28 FEET; (6) SOUTH 26 DJ!:GREJ!:S 44 M:INUTES 40 SECONDS WEST, A DJ:STANCE OF 53.84 FEET TO A PO= ON THE EASTE~ST CORNER OF LOT 41.; (7) NORTH 63 DJ!:GREES 1.5 MDltlTES 20 SECONDS WEST,A D:ISTANCE OF 26.0 FEJ!:T; (8) NORTH 26 DJ!:GREES 44 MINIl'n:S 40 SECONDS EAST, A D:ISTANCJ!: OF 4.0 FUT: (9) NORTH 63 DJ!:GRI!:J!:S 1.5 MINIl'n:S ~o SJ!:CONDS WEST, A DISTANCE OF 40.0 rUT TO A PO:INT ON THE D:IVJ:D:ING L:tllE BETWl!:l!:N LOT 43 AND 44, SAID PO:IN'r BEJ:NG THJ!: PO:INT AND PLACJ!: OF BEG:INN:rNG; THENCl!: CONTnlUntG ALONG 'l!HE SAID D:r.v:rDJ:NG LJ:NE AllIt) PASSntG.TIlE.OUGll THE CENTER L:tllE OF A PARTY Wl\LL D:IV:ID:ING UN:IT 43 AND 44, SOInH 26 ..DEGREES 44 MDltlTES 40 SECONDS WEST, A DISTANC~ OF 24.0 FEET TO A PO:INT; THENCE NORTH 63 DEGREES 1.5 MJ:NUTES 20 SECONDS ~ST, A D:IS~CE OF 26 FEET TO A POnt'l!; THENCE NORTH 26 DEGREES 44 MINUTES 40' SECONDS EAST, A DISTANCE OF 24 FEET TO A PO=: THENCE SOUTH 63 DEGElEES 1.5 MJ:N11TES 20 Sl!:CONDS EAST, A DISTANCE OF 26 Fl!ET !r0 A POnt'l' ON THE DJ:VJ:D:ING LINE BETl'Il!:EN LOT 43 AND 44, SAID POnt'l' BEING !rIlE PO:INT AND !'LAC!: OF. BEG:INN:ING. BEING KNOWN AS 1717 PEYTON RANDOLPH, NEW CUMBERLAND, PA PROPERTY ID NO, 13-25-0008-264 TITLE TO SAID PREMISES IS VESTED IN EDWARD F. SEMAN:O'HI~I~~~~ SON BY DEED FROM JASON A. YEAKLE AND LINDSEY J. YEAI<L , ;~~D 3/31/1999 AND RECORDED 4/1/1999 IN DEED BOOK 196 PAGE 909 - " ~ 'B.%,_ '~~i);- - .'" "... , , WRIT OF EXECUTION. and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO. 00-2487 Civil Tenn CIVIL ACTION - LAW TO THE SHERIFF OF Cumberland COUNTY: To satisty the debt, interest and costs due Bankers Trust Company of California, N.A. PLAINTIFF(S) from Edward F. Semanko, 1717 Peyton Randolph Court, New Cumberland, PA 17070 DEFENDANT(S) (1) You are directed to levy upon the property ot the defendant(s) and to sell See Legal Description (2) You are also directedJ?jiltt~B~ t~.e. Ptpp!:,~yqt the detendant(s) not levied upon in the possession of ?.''' GARNIS'HEE(S) as follows: and to notity the garnlshee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is/are enjoined from paying any debt to or for the account ot the defendant(s) a,ndfrom delivering any property ot the defendant(s) o(.otherwise disposing ~~; .~ . (3) If property ofthe defendant(s) not levied upon an subjectto attachment is found inthe possession of anyone other than a named garnishee, you are directed to notify him/herthat he/she has been added as a garnishee and is ilnjoined as above stated. Amount Due $'" n?7 77 from 8/23100' to 12 6/00 Interest Por Diem e$17 . ()2 Atty's Comm % Atty Paict $183.02 Plaintiff Paid - $1,804.12 L.L. Due Prothy Other Costs $.50 $1.00 Date: Auqust 29, 2000 Curtis R. Long Prothonotary, Civil Division ~d~-P, Q.~/Ust.r-- Deputy REQUESTING PARTY: Name Mark J. Ddren, Esq. Address: 1040 N. Kings Highway, Suite 500 Cherry Hill, NJ 08034 Attorney for.: Plaintiff Telephone: 856-482-6900 Supreme Court ID No. 04302 , jl-_-.-......,_._''''''~-~'''''''''''''''~~-_'''',_cl''.S__'-.," ......,,_..., ".-- I>'~- ~'~,~""~"lIIi!!lCf- '-.f.i'''' "_.- ~... - ~--- \ REAL ESTATE SALE No. 1<6 ., , On a~ j / ,;J..rpD the sheriff levied upon the defendants . ~' Interest in the real property situated in~, ", A.QL~ -f/nAN.-.Il:r ~ Cumberland County, Pa., known and numbered as: 1711 ~/e' .._~~~ ~~d more fuily .:itlscribed on Exhibit "An flJed with this writ and by this reference incorporated herein. 1la1e:(:(J./.'j,J ;p, ~ ~~..4- ,,,,",,, ."'("1>', I ,'i:';-.;' \.."" ;'!,::lO -:' ... r"", I: '110 m.,! Qt,:, '\1iJ'l1.. .~.~~: ~'<l:1 GJ.I~'J ~ll~i:\{,". ' _:'-1j:l;~ jJ~iI;ji11t~ .;;,;, .' :n:"J'.~(~ . ~ ~,~ _.~ . ., ~ ~ - - - - - - - , ~, ,-...... 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 Bankers Trust Company of California, N,A. as trustee under the Pooling and Servicing Agreement dated as of September 1,1999 Bear Stearns Asset-Backed Securities, Inc, Asset-Backed Certificatees Series 1999-5 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 Plaintiff v, Edward F, Semanko 1717 Peyton Randolph Court New Cumberland, PA 17070 Defendant(s) . P" ,",-- ,"-- " '~"'<~";- ;; ATTORNEY FOR PLAINTIrF . . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : NO. 00-2487 Civil Term PRAECIPE TO MARK SETTLED. DISCONTINUED AND ENDED AND SATISFY JUDGMENT TO THE PROTHONOTARY: Kindly mark the above captioned matter SETTLED, DISCONTINUED AND ENDED AND JUDGMENT SATISFIED, upon payment of your costs only, DATED: July 18. 2001 /7U ad' ~ Mark J, Udren, Esquire Mark J, Udren & Associates Attorney for Plaintiff 'll!Iiiii.IIill~~~~~_~~G~IIl~~~~''''' .~ ',' r ~". ,~ ~~ ".. ~ -, ",. - ,~ ~ 0 ,-,,," -'"~~" ~ ~- ~ ~til o ~; ri~f'i: ;':'::'. Z~. u~ - ~, ~::::: .~~:c 'f' ?i -"~~ ,.-'- ~;~ ~ -~ j f'-...) -"".) n'") r