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Home My WebLink About00-03072 , " .,' ,>,,'.,' .'''" "l";'~ ,,,,,- ',;,,;..;," ," '~."'- , , .' GOLDBECK McCAFFERTY BY: Joseph A. GoldbecK, Attorney I.D.#16132 Suite 500 - The Bourse Bldg. III S. Independence Mall East Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff & McKEEVER Jr. COLUMBIA NATIONAL INC. 7142 Columbia Gateway Drive Columbia, MD 21046-2132 Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION - LAW vs. :ACTION OF MORTGAGE FORECLOSURE MAURA A. JENKINS (Mortgagor(s) and Real Owner(s)) Term No. 24 W. Locust Street Mechanicsburg, PA 17055 Defendant(s) CiVIL ACTION: MORTGAGE FORECLOSURE 00 - dD'?:A.. C;u,( ~~ THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after the Complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a 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. Cumberland County Bar Association 2 Liberty Avenue, Carlisle, PA (800) 990-9108 Legal Services Inc, 8 Irvine Row, Carlisle, PA 17013 (717) 243-9400 A V ISO LE RAN DEMANDADO A DSTED EN LA CORTE. 81 DESEA DEFENDERSE CONTRA LAS QUEJAS PERESENTADAS, ES ABSOLUTAMENTE NECESSARIO QUE DSTED RESPONDA DENTRO DE 20 DrAS DESPUES DE SER SERVIDO CON ESTA DEMANDA Y AVISO. PARA DEFENDERSE ES NECESSARIa QUE USTED, 0 SU ABOGADO, REGISTRE CON LA CORTE EN FORMA ESCRITA, EL PONTO DE VISTA DE USTED Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA. RECUERDE: SI USTED NO REPONDE A ESTA DEMANDA, SE PUEDE PROSEGUIR CON EL PROCESO SIN SU PARTICIPACIQN. ENTONCES, LA COUTE PUEDE, SIN NOTIFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y REQUERIRA QUE USTED CUMPLA CON TODAS LAS PROVISIONES DE ESTA DEMANDA. POR RAZON DE ESA DECISION, ES POSSIBLE QUE DSTED PUEDA PERDER DINERO, PROPIEDAD U OTROS DERECHOS IMPORTANTES. LLEVE ESTA DEMANDA A UN ABOGADO IMMED1ATAMENTE. SI NO CONOCE A UN ABOGADO, LLAME AL "LAWYER REFERENCE SERVICE" (SERVICIO DE REFERENC1A DE ABOGADOS), 215-238-6300. Cumberland County Bar Association 2 Liberty Avenue, Carlisle, PA (800) 990-910a Legal Services Inc. a Irvine Row, Carlisle, FA 17013 (717) 243-9400 , , J ,,' " " ~'.' ""~'--"" ',.,,~' -""',1; " " COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is COLUMBIA NATIONAL INC., 7142 Columbia Gateway Drive, Columbia, MD 21046-2132. 2. The name(s) and address (es) of the Defendant(s) is/are MAURAA. JENKINS, 24 W. Locust Street, Mechanicsburg, PA 17055, who is/are the mortgagor(s) and real owner(s) of the mortgaged property hereinafter described. 3. On May 12, 1995, mortgagor(s) made, executed and delivered a mortgage upon the premises hereinafter described to COLUMBIA NATIONAL INC., which mortgage is recorded in the Office of the Recorder of Deeds of Cumberland County in Mortgage Book 1262, Page 938. The mortgage has not been assigned. These documents are matters of public record and are incorporated herein by reference in accordance with Pennsylvania Rule of Civil Procedure 1019(g). 4. The premises subject to said mortgage is described as attached. 5. The mortgage is in default because monthly payments of principal and interest upon said mortgage due December 1, 1999, and each month thereafter are due and unpaid, and by the terms of said mortgage, upon default in such payments for a period of one month, the entire principal balance and all interest due thereon are collectible forthwith. 6. The following amounts are due on the mortgage: Principal Balance Interest from 11/ 1/99 through 3/31/00 at 8.500% Per diem interest rate at $16.38 Attorney's Fee at 5% of Principal Balance Late Charges 12/ 1/99- 3/31/00 Monthly late charge amount at $25.93 Costs of suit and Title Search $ 70,335.19 2,489.76 3,516.76 103.72 560.00 $ 77 ,005.43 153.42 Escrow Balance Deficit Monthly Escrow amount $182.01 $ 77,158.85 7. The Attorney's Fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriff's Sale. If the Mortgage is reinstated prior to the Sale reasonable Attorney's Fees ~,ill be charged based on work actually performed. 8. Notice of Intention to Foreclose and a Notice of " '" "n I ..' , " ~ '."'; --,'" ,-, ,~ ,;' ,;;, ,.:~, i , Homeowners' Emergency Mortgage Assistance has been sent to Defendant(s) by Certified and regular mail, as required by Act 160 of 1998 of the Commonwealth of Pennsylvania, on the date(s) set forth in the true and correct copy of such notice{s) attached hereto as Exhibit nAn. The Defendant(s) has/have not had the required face to face meeting within the required time and Plaintiff has no knowledge of any such meeting being requested by the Defendant(s) through the Plaintiff, the Pennsylvania Housing Finance Agency, or any appropriate Consumer Credit Counseling Agency. WHEREFORE, Plaintiff demands judgment in mortgage foreclosure the sum of $77,158.85, together with interest at the rate of $16.38, per day and other expenses incurred by the Plaintiff which are properly chargeable in accordance with the terms of the mortgage, and for the foreclosure and sale of the mortgaged premises, & McKEEVER Jr., Esq. ""', ~' ,., """'(J " ~AR 29 '00 02:49PM P.5/6 VERIFICATION I, 00Qr'l ()V(JfVi l{er , as the representative of the Plaintiff corporation within named do hereby verify that I am authorized to and do make this verification on behalf of the Plaintiff corporation and the facts set forth in the foregoing Complaint are true and correct to the best of my knowledge, information and belief. I understand that false statements therein are made subject to the penalties of 18 Pa. C.S. 4904 relating to unsworn falsification to authorities. Date ;~91 2-0OQ #2180998 - JENKINS,MAURA A. '.' ," --, ~" '""",'OL''''-'' ','..-'-""", ,,'J; 'f,! <, '-..' EXHIBIT "A" ALL THAT CERTAIN piece or parcel of land situate in the Borough of Mechanicsburg, County of Cumberland and State of Pennsylvania, bounded and described as follows, to wit: BEGINNING at a point at the comer of West Locust Street and Lamont Alley; thence by Lamont Alley in a northerly direction, 93.00 feet to Stouffer Alley; thence by Stouffer Alley in an easterly direction, 35,00 feet, more or less, to lands now or formerly of Snyder; thence by lands now or formerly of Snyder in a southerly direction, 93,00 feet to a point on the western line of Locust Street; thence by the western line of Locust Street in a westerly direction, 35,00 feet, more or less, to a point, the place of BEGINNING, HAVING THEREON ERECTED a two-stol)' frame dwelling house known and numbered as 24 West Locust Street, Mechanicsburg, Pennsylvania, BEING THE SAME PREMISES which Eugene H, Potteiger and Nancy C, Potteiger, his wife, by their Deed dated ~ I ? . ' 1995, and intended to be recorded immediately prior hereto in' e Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, granted and conveyed unto Maura A Jenkins, single woman, Mortgagor herein, S1, ,1te of Pennsylvania } SS I ',: c'unty of Cumberland ;arded in the office for the recording of 0 ,,'!!tii 1 cnd ~(;~mberland cO,un~ in BodIil Vol. ~ Page ""itne my han eal of off . Cz:rlisle. PA this day of R rooK1262 PACE 944 , ,< . ,,~, -, -.} ~",~"''''-''" ,.,~ '", " 1\0; , i I I : February 16, 2000 EXHI,BIT A COLUMBIA NATIONAL "'Incorporated Maura Jenkins 24 W. Locust Street Mechanicsbu, PA 17055 P 344 497 138 ~e: Columbia National No. 2180998 24 W. Locust Street Mechanicsbu, PA 17055 ~ Oear Borrower, A P PEN D I X A ACT 91 T A K E ACT I YOUR HOM FOR E C NOT ICE ON TO SAVE E FRO M LOS U R E * This is an official notice that default, and the lender intends about the nature of the default the mortgage on your home is in to foreclose. Specific information iB provided in the attached pageB. '1'he HOMEOllNBR'S IIORTGAGE ASSISTANCE PROGRAM (HEHAP) may be able to help to Bave your home. ThiB Notice explainB how the programs workB. To Bee if HEHAP can help, you muBt MEET WITH A CONSllMBR CREDIT COllNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take thiB Notice with you when you meet with the COUDBeling Agency. ThiB name, addreBB and phone number of ConBumer Credit COUDBeling AgencieB Berving your COUDty are liBted at the end of thiB Notice. If you have any queBtionB, you may call the PennBylvania HouBing Agency toll free at 1-800-342-2397. (PerBonB with impaired hearing call (717) 780-1869). This Notice contains important legal information. If you have any queBtionB, representativeB at the ConBumer Credit COUDBe1ing Agency may be able to help explain it. You may alBo want to contact an attorney in your area. The local bar aBBociation may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUBS AFECTA SU DBRECEO A CONTINUAR VIVIENDO EN SU CASA.SI NO COMPRENDB EL CONTENJ:DO DB ESTA NOTIFICACION OBTENGA llNA TRADUCCION INMBDITAMBNTE LLAMANDO E8TA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) sm CARGOS AL NOMERO MENCIONADOARRIBA. PUEDES SER ELEGIBLE PARA llN PRESTANO POR EL PROGRAM LLAMADO "HOMBOllNBRS' S IlHERGENCY MORTGAGE ASSISTANCE P~OGRAM" EL COAL PUEDE SALVAR SU CASA DE LA PIlRDIDA DEL DERECHO A Rl!:DIMIR SU HIPOTECA. 7142 COLUMBIA GATEWAY DRIVE p, O. Box 3050 COLUMBIA, MD 21046 () t/r r ... [11'60 yea/' @ " '" ,,'. ,I", ^' ,^ .'..~ ,. .'",~', ""~~'," '~-'^'~""~k~",,';j',:,~," "-'" "'-'Iii .' HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRlIK YOU HAY BE BLIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HBLP YOU MAKE FllTlJRE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNERS EMERGENCY HORTGAGB ASSISTANCB ACT OF 1983 (THE "ACT"), YOU BB BLIGIBLB FOR EMERGBNCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BBEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPBCT OF BBING ABLE TO PAY YOUR MORTGAGB PAYMENTS, AND IF YOU MEET ESTABLISHED BY AGBNCY . OTHBR BLIGIBILITY REQUIRBIIIBNTS THE PENNSYLVANIA HOUSING FINANCE TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and, attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MBBTING MUST OCCUR WITHIN THE NBXT (30) DAYS. IF YOU DO NOT APPLY FOR IlIIBRGBNCY HORTGAGB ASSISTANCB, YOU MUST BRING YOUR HORTGAGB UP TO DATH. THE PART OF THIS NOTICE CALLED "HOW TO CURB YOUR HORTGAGB DBFAULT" , BXPLAINS BOW TO BRING YOUR MORTGAGB UP TO DATH. CONStlMBR CREDIT COUNSBLING AGENCIBS -- If you meet with one of the consumer credit counseling agency listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGH ASISTANCE -- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default) . If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you IDUSt fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. only consumer credit couneling agencies have applications to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. '~'" " H I ~ .'. '.-~ '.' [oJ.>,'.,:..,' , "",,<c,'c' ~':, CO" ,', , " ,,;.i~ ,- :'(f' . . YOU HUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER. FORECLOSURE KAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it recieves your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARB CtIREIlTLY PROTBCTBD BY THE FILING OF A PBTITION IN IlAIIIICRUPTCY. THE FOLLOw:ING PART OF THIS NOTICB IS FOR INFORMATION PURPOSB ONLY AND SHOULD NOT BB CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency MOrtgage Assistance). HOW TO CURB YOU MORTGAGB DBFAULT (Bring it up tp Date). NATtIRB OF THE DBFAULT - - The MORTGAGB debt held by the above lender on your property located at: 24 W. Locust Street Mechanicsbu. PA 17055 IS SERIOUSLY IN DBFAULT because: YOUR HAVE NOT MADB MONTHLY MORTGAGB PAYMENTS for the following months and the following amounts are now past due: PAYMENTS $2.101.95 NSF FEES $.00 LATBS $78.96 OTHER FEBS $8.00 LBSS FUNDS ON-HAND $.00 TOTAL $2,188.91 ~ '~'" cd " >,^" :' I , ,. ,,;.'~ . ,,' ' ;~~ ., . B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable) : HOW TO CURE THE DEFAULT -- You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $2,188.91 PLUS ANY MORTGAGE PAYMENTS AJID ru\TE CHARGES WHICH BECOHB DUB DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or IDOney order made payable and sent to: columbia National, Incorporated 7142 Columbia Gateway Drive Columbia, Maryland 21046 IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mOrtgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON n The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY (30) DAY period and foreclose proceedings have begun, you still have the right to cure the default "". :"'0," L~ "''''''''';;''V''~'''~ ~, .', il.~ ',-- ,;" , ,I, .~,'J ,~ , .of and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the Sheriff's Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this Notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriff's Sale of the mortgage property could be held would be approximately Six (6) months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the ,required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Columbia National, Incorporated 7142 Columbia Gateway Drive Columbia, Maryland 21046 EFFECT OF SHERIFF'S SALE -- You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE You mayor _ may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NQ DEFAULT HAD QCClJRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE "<', ~. '-',,;; ,',~" 'b ;.,; . ',';"'" 'J",<, , '_ '.,,,",c", ",~~'" ",,","<'~' ,'. , ~ THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS, TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ,C,' ;,,,~.' , , .'~ ,> '(l~ ~Uz~ O~ b ~ ~.i:J Co - ()N f I ~ ~ ~'Ul ~%F'[( J- Q a ( .~ 1I i)~ ri1j'-";::' 2=b "'7.-_ ~~;i f~? 2: -; -, '"l. ''ij, -~ ~~ Q8 .1 :.~ [':'i;2 ~-;';n'1 :CJQ .-) .i.. :;::;t~::-:! ~15 -::1 ~,..o cjll1 -"j e _u -< ....., :;? ~) W f-., ""'i - 0,. ~ '--"" ,"" , . , ',~ . "'.lMj;~ ".~ J . .. GOLDBECK McCAFFERTY & McKEEVER By: Joseph A. Goldbeck, Jr. Attorney I.D. #16132 Suite 500 - The Bourse Bldg. 111 S. Independence Mall East Philadelphia, PA 19106 (/.1~) 627-11/./. ATTORNEY FOR PLAINTIFF Columbia National, Inc. 7142 Columbia Gateway Drive Columbia, MD 21046-2132 Vs. Maura A. Jenkins (Mortgagor and Real OWner) 24 W. Locust Street Mechanicsburg, PA 17055 CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION : NO 00-3072-Civil PRAECIPE FOR AN ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly assess damages in favor of the Plaintiff and against, Maura A. Jenkins (Mortgagor and Real Owner), Defendants pursuant to Order of Court dated jq~VQ'1 ~ ~ (see copy attached) and for foreclosure and sale of the mortgaged premises, please assess Plaintiff's damages as follows: As set forth in Court order and Complaint Interest - 4/1/00 - 1/3/01 Late Charges Escrow Debit TOTAL $77,158.85 $ 4,553.64 $ 259.30 S 1.820.10 $83,791. 89 JOSe~~dbeck' Jr. Attorney or Plalntlff DAMAGES ARE HEREBY ASSESSED AS INDI DATE: 71ttuu.A-. f d-fJO I ,bu;" I hereby certify that the above names are correct and tha th~ precise residence address of the judgment creditor is 7142 Columbia Gateway Drive, Columbia, MD 21046-2132 and that the names and last known addresses of the Defendants is: Maura A. Jenkins (Mortgagor and Real Owner) 24 W. Locust Street, Mechanicsburg, PA 17055 Jos Att -" , .. ~.~ " ~L ~ .', -'" ""' ." ',' J ','" ~""- ,.~, " '. .' . -"...;.... - GOLDBECK McCAFFERTY & McKEEVER A Professional Corporation By: Michael T. McKeever, Esquire Attorney LD. # 56129 Suite 500 - The Bourse Bldg. III S. Independence Mall East Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff COLUMBIA NATIONAL INC. 7142 Columbia Gateway Drive Columbia, MD 21046-2132 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY vs, MAURA A. JENKINS (Mortgagor and Record Owner) 24 W. Locust Street Mechanicsburg, PA 17055 NO. 00-3072 CIVIL TERM ORDER oJ z.. , AND NOW, this J - day of ~ItNua It'f -2600, upon consideration of Plaintiffs Motion for Summary Judgment, it is (r1lA,.nf: b ORDERED: That Summary Judgment is hereby granted in favor of Plaintiff for the dollar amount due as of the filing of the Complaint ($77,158.85) plus interest at the rate set forth in the note, fees and costs and other charges in accordance with the terms of the mortgage and note and the demand of the Complaint. 'liSillIiIlt1iiliiillWi~-~ i~'~j~-"".l!!,~~flid&~~lll~~~I<i~~~' ,~ .~ i ." ,~"~,">~ "~, '. ~- "-....'"'-1-' '~~~.~.;.~ -'i1IiIiI'IIr""fir ~.,'"_, "' '~i "",""'K'. ,. . . \' 8 <::> a "Tl 5: ::x .-, -no;; :to> ::c" mm 2;:0 ::0 rnr- ~~ I -,.,.t"n '..0 -;rtiO :::':},L, ;<0 .~..-- ""0 -,-. -rt ~8 :l: (5 :Il zO Y] om :z .,.. 'i':1 :<! C,i) ~ ,'.., , , ~ "U"(~~ '~ GOLDBECK, MCCAFFERTY & MCKEEVER By: Joseph A. Goldbeck, Jr. Attorney I.D. #16132 Suite 500-The Bourse Bldg. 111 $. Independence Mall East Philadelphia, PA 19106 (2] '0) 627-1 ::\22 ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Columbia National, Inc. Vs. No. 00-3072-civil Maura A. Jenkins (Mortgagor and Real Owner) CUMBERLAND COUNTY VERIFICATION OF NON-MILITARY SERVICE JOSEPH A. GOLDBECK, JR., ESQUIRE, hereby verifies that he is attorney for the Plaintiff in the above-captioned matter, and that on information and belief, he has knowledge of the following facts, to wit: (a) that the defendants are not in the Military or Naval Service of the United States or its Allies, or otherwise within the provisions of the Soldiers' and Sailors' civil Relief Act of Congress of 1940, as amended. (b) that defendant Maura A. Jenkins (Mortgagor and Real Owner), is over 18 years of age, and resides at 24 W. Locust Street, Mechanicsburg, PA 17055. This statement is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. March 7, 2001 OLDBECK, JR. for Plaintiff <m1iUl_~" ~~ ":;;'-ii;jwtHiijlR~ilill!l:,m~~~~_~~.ir.~"-~ ......'" lIiIliIIlilllWIlJlll!tllllillliilillillilllilJiWit - ~ I, ~,~ \~ ~ "'" , -. , i CtI ~ ~' rt" E ~ ~ ~ Fb g 0 q, /t) - ./ ';$ ..-! s- ?fi~~ ~\P vo 1rn ';J3 -n h'1 "", -- :r; \ ~~ "'b ~~ J UJ .p (J, " -:=;1-r. ~o --0 -).~ ...,.,- 0 ::1' 0(') ""-l ~o :Z:rn t1 ~ "'-') 'P2 t..:> ~ ., ~ ~ ~ ~ ;[' <..> r '-Ai ! G ~ ~ ~ '" :l -t--- -... , \;~ W) ~ " , ' 'OU ,"');.u",,,;., ""'~""'.'~i ", 1"" PRAECIPE FOR WRIT OF EXECUTION - (MORTGAGE FORECLOSURE) P.R.C.P. 3180-3183 Columbia National, Inc. Plaintiff COURT OF COMMON PLEAS CUMBERLAND COUNTY, PA Vs. NO: 00-3072-Civil Maura A. Jenkins (Mortgagor and Real Owner) Defendant PRAECIPE FOR WRIT OF EXECUTION (MORTGAGE FORECLOSURE) TO THE OFFICE OF THE PROTHONOTARY: Issue writ of execution in the above matter: Amount Due Interest from 1/3/01 to sale date at $13.77 per diem Total $83,791.89 $ $ j and Costs h Goldbeck, Jr. e SOO-The Bourse Bldg. 111 S. Independence Mall East Philadelphia, PA 19106 Attorney for Plaintiff Note: Please attach description of property. 2...4 VJ Loc u ,,:A- 'Or fU- ee-~ I L5 651 PA U j7rJ5o iIlimlllflib!~~~:lIi,~m-~~g~~<il;~1!O~ii!>l~-- - 0-1 ..-1 :- ..-1 u I N ['- o M I o o ""~ OH ~~ I!il..:l ..:1>- Illtll i2i~ ire o . u>- ~~ o E-tU ~~ I!illll 1Il1!il ;~ . ~ u I'l H . 0-1 ., I'l o ..-1 -IJ ~ ., i 0-1 o U . m :> ~ I-l Q) m ~ I'l ..-10-1 ~ ., I'l Q) Q) III t:l 't:l . I'l ~ ., ., I-l I-l 0 ~ ~ -IJ I-l il ~ ~ ~w I!il I-l ~ ::l I!il m o ""0-1 o U Q) E-t I-l H 0 ~"" Q) III tll o ., "" tll -IJ I!il I-l III 0 Hl!: u~ ~ III '~. '~'~-~~~Li .. 'd Q) c-I ..-1 '" '+-l '+-l ..-1 .w I'l ..-1 III c-I PI III III o ['- -IJ0-I Q) Q) ~ I-llll -IJ tIl . tll -IJ I-l m ::l ::l,.Q u m o u ..:I ..-1 I'l . ., ~,<:l u ~~ .w ~ (JJ (JJ Q) H 'd ~ ,~,"' " -"~"-- (JJ H Q) p., III p., Q) H Q) ..c:: d c :?'" -Om mr,n Z:::t' zt;::' cn~.'> -<.2: r::::o ~o >8 ~ 'd Q) ~ Q) (JJ Q) ,Q ~ III "' , ~.lIiliIMi: ..., ,< c:> 'fi ::::J "<Il ~~ :::(i-fi r-'" 20 om ~ -< ::I:: ;l;M ='" U \JO -0 :::t ~ &- +.- >,~ I" "--~ "', " "lai GOLDBECK, MCCAFFERTY & MCKEEVER By: Joseph A. Goldbeck, Jr. Attorney I.D. #16132 PLAINTIFF Suite 500-The Bourse Bldg. 111 S. Independence Mall East Philadelphia, PA 19106 PLEAS (215) 627-1322 ATTORNEY FOR COURT OF COMMON CIVIL DIVISION Columbia National, Inc. Vs. No. 00-3072-C~vil Maura A. Jenkins (Mortgagor and Real Owner) CUMBERLAND COUNTY ALL THAT CERTAIN piece or parcel of land situate in the Borough of Mechanicsburg, County of Cumberland and State of Pennsylvania, bounded and described as follows, to wit: BEGINNING at a point at the corner of West Locust Street and Lamont Alley; thence by Lamont Alley in a northerly direction, 93.00 feet to Stouffer Alley; thence by Stouffer Alley in an easterly direction, 35.00 feet, more or less, to lands now or formerly of Snyder; thence by lands now or formerly of Snyder in a southerly direction, 93.00 feet to a point on the western line of Locust Street; thence by the western line of Locust Street in a westerly direction, 35.00 feet, more or less, to a point, the place of BEGINNING. Having thereon erected a two-story frame dwelling house known and numbered as 24 West Locust Street, Mechanicsburg, Pennsylvania. Tax Parcel #16-23-0565-038 illilli~~t&..~':llliffi'!1i,~~.iiiw1J,,~~~Ml~i~ilji;.~_L- ~~ '.-.'- ). ~-"''''l$Iilllirl~~iIIIIiIrIiIIi \" r.::; !- ,Q I~ I'I~ C ~ J - c::, -... ~ \J.J ~, ~- \:-'-- -l 0\ ~ ~ !!lIIL . ""='" .~ '. '.- ,~ - -~~~ ~ - ~ ~ c'-' {::::--. ~.l" ~ -0 ~~ ~- CJ-. ' . C;! t: ce -" ,~, ,- (') c: ~ (Bw, Z:::c Zr- CD;;::: -<2 ~O ~(') :'PO ~ . . (if:) \: o o 'I --I ~'f'- f'12] ---.;-'rm :(iCl ':-'6 --{ ;,-c=t=i t..-)-- 20 Om ?i5 -< ~ ::0 I U) -0 ::n; ra <=" .r.- ~" ,- ~ "=' ". _T' , , ,,..; ) ~ . Columbia National, Inc. Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION Vs. Maura A. Jenkins (Mortgagor and Real Owner) Defendant(s) NO. 00-3072-Civil AFFIDAVIT PURSUANT TO RULE 3129.1 Columbia National. Inc., Plaintiff in the above action, by its attorney, Joseph Goldbeck, Jr., Esquire, sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at 24 W. Locust St~eet. Mechanicsburg. PA 17055. 1. Name and address of owner(s) or reputed owner (s): Name Address (if address cannot be reasonably ascertained, please so indicate) Maura A. Jenking (Mortgagor and ~eal Owner) 24 W. Locust Street Mechanicsburg. PA 17055 2. Name and address of defendant(s) in the judgment: Name Address (if address cannot be reasonably ascertained, please so indicate) SliM);! AS ABOVE 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address (if address cannot be reasonably ascertained, please so indicate) Hlms1 4. Name and address of the last recorded holder of every mortgage of record: Name Address (if address cannot be reasonably ascertained, please so indicate) Del Norte Refi. LLC 323 5th Street Eureka. CA 95501 Pennsylvania Honsing Finance J\g'ency 2101 N. Front Street Harrisburg. PA 17110 " , "._" "T" '. ~- . , '~ , , 5. Name and address of every other person who has any record lien on the property: Name Address (if address cannot be reasonably ascertained, please so indicate) Hlms1 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 (if address cannot be reasonably ascertained, please so indicate) Cumberland ~ounty Dept. of Domestic Relations P.O. Box 320 Carlisle. PA 17013 Pa Dept. of Public Welfare Bureau of Chi1d S~ort Enforcement Health and welfare Bldg. Room 432 P.O. Box 2675 Harrisburg. PA 17105 7. Name and address of every other person of whom the plaintiff has knowledge that has any interest in the property that may be affected by the sale: Name Address (if address cannot be reasonably ascertained, please so indicate) Hlms1 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. e.s. #4904 relating to unsworn falsification to authorities. March 7, 2001 oldbeck, Jr. for Plaintiff ~iliiiMil[nllln' '. .' ~__g;:M~"'iirJ,"-~~~fuI@",~-"'",,"'- -il"-- L'-_' ",0 y~.0Ld"~ n:,<. -~ !!!II! -~..~,"' ~,"~- - "~ ".~ .- ". , . "'.'.--........lIIll." ,.,...,..~." ""'1 - .. """""'"'1iIlIiiIiJ . ., g 0 0 'n ~ ;3: :~.-~ -oc:c ". "'-1. :!J 92rn ;:0 ~~~ ::0 I Z~ ~!L w>: <D ,,<L. 1;20 -U :.::c-;; ~8 3 ~:>-- :zO ra Om )>>c: ~ ~ s::- "'" '< ~ . -" "I ,,_:.-_,Lc.;w .~ "~ GOLDBECK, MCCAFFERTY & MCKEEVER By: Joseph A. Goldbeck, Jr. Attorney I.D. #16132 Suite 500-The Bourse Bldg. 111 S. Independence Mall East Philadelphia, PA 19106 (/.15) n/.7-B/./. ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS Columbia National, Inc. Vs. CUMBERLAND COUNTY CIVIL DIVISION NO. 00-3072-eivil Maura A. Jenkins (Mortgagor and Real Owner) r.F.RTTFIr.ATTON JOSEPH A. GOLDBECK, JR., 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 Mortgage () non-owner occupied () vacant (X) Act 91 procedures have been fulfilled This certification is made subject to the penalties of 18 Pa. e.s.s 4904 relating to unsworn falsification to authorities. oldbeck, Jr. for Plaintiff ~_~;'F !!!II! , --~.L'~""' ," 7~"~" "'~~~~.~"""'~tlli; "'"""~~" .- ",~-- .w'~- ,l~.,," . '^ ' "' "..~ _,,,,,,L ':':;'," ~,^,.,""..;~, <c (') 0 ~ c: s::: ::x --l -~ ;:R,:;g :0- r-!c;:n ::;0 ,;. r-- Z::n I -om Z'- ::r:.{y OJ~ w 00 ~6 -0 ::;:it. ~8 :J\: ~6 w om :'PC ., ~ ~ ~, J:" -< ~ " -~~~, ,,;, '" '" "",-,". ""-, - ="" .!lit) .. . GOLDBECK McCAFFERTY & McKEEVER By: Joseph A. Goldbeck, Jr. Attorney I.D. #16132 Suite 500 - The Bourse Bldg. 111 S. Independence Mall East Philadelphia, PA 19106 (?-l") 627-132?- ATTORNEY FOR PLAINTIFF Columbia National, Inc. Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION Vs. Maura A. Jenkins (Mortgagor and Real Owner) Defendant(s) NO.00-3072-Civil NOTHeF. OF SHF.RTFF I S SAT,F. OF RF.AT, ES1'A1'F. TO: Maura A. Jenkins (Mortgagor and Real Owner) 24 W. Locust Street Mechanicsburg, PA 17055 THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY. Your house (real estate) at 24 W. Locust Street. Mechanicsburg. PA 17055. is scheduled to be sold at the Sheriff's Sale on June 6. 2001 at 10:00 a.m., in Cumberland County, Cumberland County Courthouse, Commissioners Hearing Room, 200 Floor, Carlisle, PA 17013 to enforce the court judgment of S83.791.89 obtained by Columbia National. Inc. (the mortgagee) against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the mortgagee the Back payments, late charges, costs and reasonable attorneys Fees due. To find out how much you must pay, you may call: (215) 627-1322 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. . ' -, '"' ~,,- ;,,~., '-'-, " ~, ,:i-" " I You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale sold to the highest bidder. calling (2]~) h27-11?2. is not stopped, your property will be You may find out the price bid by 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 the Sheriff's office at (7]7) ?40-6190 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 this 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 proposed schedule of distribution of the money bid for your house will be prepared by the Sheriff within 30 days of the Sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the posting of the Schedule of Distribution. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17103 (800) 990-9108 Legal Services. Inc. 8 Irvine Row Carlisle, PA 17103 (717) 243-9400 ~~':i-",i -.r~'~~"~'"~'"'-~.t""''"'" !II!I!I.~ ''''_.~-~~~ - ~,>~~--" -, ---, ;, l "l ~L> -., - < ,~ -'~--' ^,-," ,~..."' .I_~ "_ ~ -'-o"""-j " \ (") 0 6 c ;:He? "' ::J: -.~ :>:>- :r: ::n 293 ::;0 tTfr.:.. Z~ I -D"_m ~L \JO :00 06 ~o -0 :.cT' ZO :Jt (:J :if )>0 2,0 ~ ~ Om .&:," ~ &' -< .-, ~--""'~-. ~-' ~, """'~" " . '" , COLUMBIA NATIONAL INC. 7142 Columbia Gateway Dr. Columbia, MD 21046-2132, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PA CIVIL ACTION - LAW v. MORTGAGE FORECLOSURE MAURA A. JENKINS (Mortgagor and Real Owner) 24 W. Locust Street Mechanicsburg, PA 17055 Defendant : CIVIL ACTION - MTG. FORECLOSURE CASE NO. 00-3072 CIVIL TERM ANSWER TO COMPLAINT IN MORTGAGE FORECLOSURE COMES NOW the Defendant, Maura A. Jenkins, and answers Plaintiff's Complaint in Mortgage Foreclosure, stating in support thereof as follows: 1. Admitted. 2. Admitted. 3. Admitted. 4. Admitted. 5. Admitted. As further answer, Defendant is in a Chapter 13 Bankruptcy, No. 98-02545. Creditor obtained relief from the automatic stay sometime between October of December of 1999. Defendant is now receiving regular income in the form of child support of $200.00, plus an increase in her personal business at home. Defendant has amended her Chapter 13 plan and proposes to pay her arrears of approximately 5,500.00 through said Plan over the remaining 3 years of her plan (See Exhibit "A" attached). Further, Defendant also filed a Motion to reinstate the automatic stay that protects her home at 24 W. Locust Street during the pendancy of the bankruptcy. (See Exhibit "B" attached). The Honorable Robert J. Woodside, judge of the United States Bankruptcy Court, Middle District of ""'""" , " , ,. "- , Harrisburg, PA, has ordered a phone conference to be held on July 5, 2000 at 3:00 p.m. regarding this matter (See Exhibit "C" attached). During this phone conference, it is Defendant's hope and desire that the Plaintiff, Columbia Mortgage, will agree to allow Defendant to cure her arrears on the mortgage through the bankruptcy plan. Defendant has been paying into her plan for 2 years, via a wage attachment, and is current on all of her payments. Plaintiff would receive its arrears on a regular monthly basis from the bankruptcy court, 6. Denied. Defendant does not agree with the attorneys fees and costs. Attorneys fees and costs are included in the arrears amount set forth in the amended Chapter 13 Bankruptcy Plan. 7. Admitted and agreed. 8. Admitted. WHEREFORE, Defendant requests that this Honorable Court deny Plaintiff's request for mortgage foreclosure until the phone conference is held on July 5, 2000 between Plaintiff, Defendant, and the bankruptcy court judge. Respectfully subm' ted r 0/~~v ~~ Maura A. Jenki ,Defendant 24 W. Locust Street Mechanicsburg, PA 17055 (71 7) 691-0634 .' ~ ""'"'"~ " "",", ... :. .. COLUMBIA NATIONAL INC. 7142 Colulllbia Gateway Dr. Columbia, MD 21046-2132, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PA CIVIL ACTION - LAW v. MORTGAGE FORECLOSURE MAURA A. JENKINS (Mortgagor and Real Owner) 24 W. Locust Street Mechanicsburg, PA 17055 Defendant : CIVIL ACTION - MTG. FORECLOSURE CASE NO. 00-3072 CIVIL TERM ",., CERTIFICATE OF SERVICE I, Maura A. Jenkins, Defendant to the above-captioned Complaint in Mortgage Foreclosure, hereby certify that I have served a true and correct copy of the above Answer to Complaint in Mortgage Foreclosure by placing same in the U.S. Mail, first class, postage prepaid, addressed as follows: COLUMBIA NATIONAL MORTGAGE ATTN: KAREN LIPFORD BANKRUPTCY DEPT. PO BOX 3050 COLUMBIA MD 23412 ROBERT J WOODSIDE, JUDGE UNITED STATES BANKRUPTCY COURT MIDDLE DISTRICT OF HARRISBURG, PA FEDERAL BUILDING 3"D FLOOR WALNUT STREET HARRISBURG, PA 17101 Date: 641atl ,iJ.~i>iIi~""'A$.~__ili:\iij~ 1lIIIl, l:lli~!!!ji..r-w~~1:W~l -~-~ ,~-"...,.",~~ -""",,,., ,~~ ," - ~, . - ~. - "~-. -, "i , - ~~, L" J 1IiIIf....... ~ =-, ~"C: II ,- ... 0 0 () c: 0 ~ -.., "U) "-- mrn c:: 2-'""1 ::"t;;:; 'Y'j zP' I )= ;'11-----'-; 002;' 0'1- -,jCl --< .c.: ,'.:1{~) !<C) ,~ ~O ....;; ..;L:' :r~ .-<h :'PO 7'(~ c: C':jrn Z {,aJ ~; =! <.n -< ~ . . . '- ; ~' i -,-, ,:_"n' -Co,"~ ''l!i,~ , GOLDBECK McCAFFERTY & McKEEVER A Professional Corporation By: Michael T, McKeever, Esquire Attorney J.D. # 56129 Suite 500 - The Bourse Bldg. 111 S, Independence Mall East Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff COLUMBIA NATIONAL INe. 7142 Columbia Gateway Drive Columbia, MD 21046-2132 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY vs. MAURA A JENKINS (Mortgagor and Record Owner) 24 W. Locust Street Mechanicsburg, PA 17055 NO, 00-3072 CIVIL TERM ORDER ~ ~~J AND NOW, this ], day of ~"'Nur.l flAt ~, upon consideration of Plaintiffs Motion for Summary Judgment, it is G-teAt>I-rr: b ORDERED: That Summary Judgment is hereby granted in favor of Plaintiff for the dollar amount due as of the filing of the Complaint ($77,158.85) plus interest at the rate set forth in the note, fees and costs and other charges in accordance with the terms of the mortgage and note and the demand of the Complaint 1. t~~~ 01. 1./ ~(j I RK.3 l . , . ."""""""'0 -,._~ ,,-, -n I " ~" ~~~ -~ 0'. _.do, _-_,,, ~ '= ,~O< _ ,C '~" .~~ ~~- "-",,,,-,~ -'.'iIIiiiili D,= ?-." ><;"_~,~__"c' "" ,Y"~"i"ffil'il,~~~mnil'I~I1!l1i'Jl!~~)ljliiiPf<i1i~~~!ftJ~ 0: InJ_i. do'.,;': .,t Pi'! I: LQ '" I,,"," .,. ", "'"". "ITY "UI'),""'"'''''' I'" I' ",." v . ___....:\!..J"'IIU ..J....i,Jl,.. PENNSYLVI\NII\ , I -r. , l'.. '., - , 'L,,'--' '".~__ GOLDBECK McCAFFERTY & McKEEVER A Professional Corporation By: Michael T. McKeever, Esquire Attorney LD. # 56129 Suite 500 - The Bourse Bldg. 111 S, Independence Mall East Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff COLUMBIA NATIONAL INC. 7142 Columbia Gateway Drive Columbia, MD 21046-2132 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY vs. MAURA A. JENKINS (Mortgagor and Record: Owner) 24 W. Locust Street Mechanicsburg, PA 17055 NO. 00-3072 CML TERM PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT AND NOW, this Plaintiff moves this Court for Summary Judgment in accordance with Pennsylvania Rule of Civil Procedure No, 1035.1 et seq, for the following reasons: I. There is no genuine issue of fact or law upon which the Defendant would be entitled to relief. WHEREFORE, Plaintiff moves for Summary Judgment in its favor. ,.1" - .' '", GOLDBECK McCAFFERTY & McKEEVER A Professional Corporation By: Michael T, McKeever, Esquire Attorney LD. # 56129 Suite 500 - The Bourse Bldg. III S, Independence Mall East Philadelphia, P A 19106 215-627-1322 Attorney for Plaintiff COLUMBIA NATIONAL INe. 7142 Columbia Gateway Drive Columbia, MD 21046-2132 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY vs. MADRA A. JENKINS (Mortgagor and Record Owner) 24 W, Locust Street Mechanicsburg, PA 17055 NO. 00-3072 CIVIL TERM CERTIFICATE OF SERVICE OF PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT Michael T. McKeever, Esquire, hereby certifies that he did serve true and correct copies of Plaintiffs Motion for Summary Judgment, Memorandum of Law in Support and all supporting papers by first class mail, postage pre-paid, on 6ctober 3, 2000 upon the following: Maura A. Jenkins, Pro Se 24 W, Locust Street Mechanicsburg, PA 17055 ESQUIRE , ~, - ~- -- , --, - '.'--~: . , , , . GOLDBECK MCCAFFERTY & MCKEEVER A Professional Corporation By: Kristina G. Murtha, Esquire Attorney J.D. # 61858 Suite 500 - The Bourse Bldg. 111 S. Independence Mall East Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff COLUMBIA NATIONAL INC, 7142 Columbia Gateway Drive Columbia, MD 21046-2132 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY vs, MADRA A. JENKINS (Mortgagors and: Record Owners) 24 W, Locust Street Mechanicsburg, P A 17055 No, 00-3072 CIVIL TERM AFFIDAVIT IN SUPPORT OF PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT Tun<<t AI, JA:S'/l'II/) , being duly sworn according to law, deposes and says: L I am the 1M., l' -reeA!>urer- for and representative of Plaintiff. I am authorized to make and do make this affidavit on behalf of Plaintiff; and that the facts set forth in the foregoing Motion for Summary Judgment are true and correct to the best of my knowledge, information and belief. 2, I have personal knowledge of the matters referred to in Plaintiffs Motion and as set forth below, I make this affidavit in support of Plaintiffs Motion for Summary Judgment, that the facts set forth below are admissible in evidence and I am competent to testify to the matters stated herein. .. . ~ ,,~' 3. The Defendants, MAURA A. JENKINS, made, executed and delivered a Mortgage upon the premises, 24 W. Locust Street, Mechanicsburg, PA 17055, on May 12, 1995 to COLUMBIA NATIONAL me.. 4. The Mortgage has not been assigned, 5, The Mortgage is in default because monthly payments of principal and interest due December 1, 1999 and each month thereafter are due and unpaid, At no time from December 1, 1999 to the present has/have the Defendant(s) tendered the amount of payments required to bring the Mortgage current and I have at all times been willing to accept same. 6. A Notice of Homeowners' Emergency Mortgage Assistance Act of 1983 has been sent to the Defendants by regular mail in accordance with Act 91 of 1983 of the Commonwealth of Pennsylvania on the date set forth in the true and correct copy of the Notice attached to the Complaint. The Defendants has/have not had the required face to face meeting within the required time and Plaintiff has no knowledge of any such meeting being requested by the Defendants through the Plaintiff, the Pennsylvania Housing Finance Agency, or any appropriate Consumer Credit Counseling Agency. 7. The amounts due and owing on the mortgage in question as of the filing of the Complaint are as follows: Principal Balance Interest from 11/ 1/99 through 3/31/00 at 8.500% Per diem interest rate at $16.38 Attorney's Fee at 5% of Principal Balance Late Charges 12/ 1/99- 3/31/00 Monthly late charge amount at $25.93 Costs of suit and Title Search $ 70,335.19 2,489,76 3,516.76 103,72 560,00 $ 77,005.43 153.42 Escrow Balance Deficit ""- ilL " , ' Monthly Escrow amount $182.01 $ 77,158.85 I hereby verify that any exhibits attached hereto are true and correct copies of the originals and I declare all of the foregoing to be true and correct SWORN TO AND SUBS@RiiIilI1.t);. ~~ ... """ ~ 1>'dOn/.{., ~"" . .~ f) ......a. b-", ~ before me thiS CllJ' '$ " ..... Iil)':.'" ~ ~ 'f.. ~(\a \ ~ m:::<:! ," . <= =",:1) 200~~:-= ="'\' :0- - 0 . ~;:: :;. .... I. ",,, \. /" E .. " -' ;:: ~ 4'1 .......,..oi\~ 'I'//. "1 ~,~ 7""1/"""\\\\\~ ~ ~' GI' I), . . 1/tl'14 ;rf- ~ j n ~ IltJ?1*6 1/ r <-r otary Public VlCIII L W!UIAMI NOTARY PUBLIC BALTIMORE CITY. Me MY COMM. DrS. NOV. 1._ ,- " , ,- ,,",_ , '~. '-~"-;,___iv._.. - .",__ '''" '_, :_"'. w GOLDBECK MCCAFFERTY & MCKEEVER JOSEPH A. GOLDBECK, JR. Attorney I.D.#16132 Suite 50Q-The Bourse Building 111 S. Independence Mall East Philadelphia, PA 19106 215-627-132~ BY: MICHAEL T. MCKEEVER, ESQUIRE Attorney I.D. #56129 Attorney for Plaintiff COLUMBIA NATIONAL INC. 7142 Col~mbia Gateway Dr. Columbia, MD 21046-2132 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY vs. No. 00-3072 MAURA A. JENKINS (Mortgagor and Real Owner) 24 W. Locust Street Mechanicsburg, PA 17022 PLAINTIFF'S .MEMORANDUM OF LAW IN SUPPORT OF MOTION FOR SUMMARY JUDGMENT I. PROCEDURAL HISTORY This is an Action of Mortgage Foreclosure brought against the Defendant who is the Mortgagor and Real Owner of the real property located at 24 W. Locust Street, Mechanicsburg, PA 1702~ ("Property"}. Plaintiff filed a Complaint and Defendant filed an Answer. Plaintiff now moves for Surrnnary Judgment and this memorandum is offerE~d in support of Plaintiff's Motion. II.. LEGAL ARGUMENT Summary judgment is governed by Pa.R.e.P. 1035.1 .e.L ~ Pa.R. C. P. 1035.2 provides that "After the relevant pleadings are closed, but within such time as not to unreasonably delay trial, any party may move for summary judgment...." Surrnnary judgment :Ls _ c ^ ~, I" "_ " . c "~, ,iI",.: appropriate to be entered: (1) whenever there is no genuine issue of any material fact as to a necessary element of the cause of action or defense..." Pa.R.e.P. 1035.2(1). Pa.R.e.P. No. 1141 notes that the foregoing assumpsit rule shall apply to Actions of Mortgage Foreclosure. Pa.R.e.p. 1035.2(2) requires the party who opposes the motion to provide the Court, in response to the motion, with ".. . evidence of facts essential to the . . defense which, in a jury trial, would require the issues to be submitted to a jury." Rule 1035.3 states, in pertinent part: (a) The adverse party may not rest upon the mere allegations or denials of the pleadings but must file a response within thirt:y days after service of the motion identifying (1) one or more issues of fact arising from evidence in the record controverting the evidence cited in support of the motion or from a challenge to the credibility of one or more witnesses testifying in support of the motion... Plaintiff has included an affidavit in support of its Motion for Summary Judgment, pursuant to Pa. R. e. P. 1035.4, which states in relevant part: Supporting and opposing affidavits shall be made on personal knowledge, shall set forth such facts as would be admissible in evidence, and shall show affirmatively that the signer is competent to testify to the matters stated therein. Verified or certified copies of all papers or parts thereof referred to in an affidavit shall be attached thereto or served therewith. TIle court may permit affidavits to be supplemented or opposed by depositions, answers to interrogatories, or further affidavits. The only issue before the Court is whether Defendant's Answer raises any legal or factual issue which provides a basis for denying Plaintiff its request for summary judgment. plaintiff respectfully suggests it does not. Defendants admit paragraphs 1, 2, 3 and 4 of the Complaint., ,. ~ .'" . ,-'--' 1"1" - -", ,:hi'"""" "".c"",;;:,. "~.'^- I",,,,,,~_'. ~, specifically the identities of the parties, the making, execution, delivery, recordation and assignment of the mortgage in question and the legal description of the Property. Paragraphs 5 and 6 of the Complaint contain the specific averments of default and amounts due and owing upon the mortgage required to be averred in actions of mortgage foreclosure as set forth in Pa.R.e.P. No. 1147(4) and (5). In response to Plaintiff's allegation of default, Defendant admits default, but offers to cure the arrears in a bankruptcy plan which has been dismissed and which Defendant hopes to reinstate. Plaintiff respectfully suggests this admission of default unconditionally supports Plaintiff's request for surrunary judgmenl:. Landau v. Western Pa. Nat. Bank. 282 A.2d 335 (Pa.Super.1971). Regarding Defendant's proposal to repay the arrears through a bankruptcy plan, Plaintiff respectfully suggests this is not a defenl3e to the instant foreclosure action. The bankruptcy to which Defendant refers has been dismissed; any proposal involving reinstatement of the Oefer1d~./IJ1- plan is merely speculative. While t admittedly retains the right to file bankruptcy as permitted under the U.S. Bankruptcy Code, unless and until she does s~ she remains in default and Plaintiff is entitled to proceed with and pursue the matter now before the court. The same reasoning applies to Defendant's allegations of changed circumstances: this is not a defense to the instant action and, absent repayment to Plqintiff in an active bankruptcy plan, Plaintiff should be granted surrunary judgment and permitted to proceed with foreclosurle. Thus, while Defendant's default is a legal conclusion, Plaintiff respectfully suggests this honorable Court should conclude, based upon the admissions of the Defendants and the verified facts of Plaintiff in . ,"'~'r --, , . ..-~,;., I ~,,,.., -. > __,._~i-'_;';';,.,>,,_,;_., . ~' , , , - '-, c_ '^gji its affidavit in support of its Motion, that Plaintiff is entitled to summary judgment. As for Defendant's general denials regarding/allegations that the damages are incorrectly calculated, Plaintiff respectfully suggesl:s this is not a basis to deny Plaintiff judgment as a matter of law. Default in an action of mortgage foreclosure is an absolute. Once default under the terms of the mortgage has been established, the court must enter judgment in favor of the holder of the mortgage. The question of accounting is saved for another day, specifically, after a Sheriff's Sale of the property. The Supreme Court of Pennsylvania held in Landau. supra at 335, The mortgagors are unquestionably entitled to an accounting, but that accounting is not due until the property is sold at Sheriff's Sale and distribution of the proceeds is made. Judgment in mortgage foreclosure action must be entered for a sum certain or no execution could ever issue on it. This Supreme Court decision directs a court to enter summary judgment in favor of the plaintiff/mortgagee where the defendant/mortgagor admits the default upon the mortgage. Id. at 340. Pennsylvania Courts have long and repeatedly upheld the reasonableness arid enforceability of a request in an action of mortgage foreclosure for attorney's fees equal to 5% of the principal balance of the mortgage as demanded in Plaintiff's Complaint at paragraphs 6 and 7. Robinson vs. Loomis. 51 Pa. 78 (1865); Galligan vs. Heath. 260 Pa. 457 (1919); Foulke vs. Hatfield Fair Grounds Bazaar. Inc.. 196 Pa. Super et, 155 (1961); First Federal S&LAssn. vs. Street Road Shoppi]~ Center, 68 D & e 2d 751, 75 (Bucks County) (1974). Moreover, as further explained in Paragraph 7 of Plaintiff's . ' ." ...". ", '" f' ;",..~, ",::':.. ',,' -.. "-~ Complaint, the attorney's fees demanded in Paragraph 6 of Plaintiff's Complaint would only be collected in the event of a third party purchaser at Sheriff's Sale. Defendant continues to have the option of paying all arrears and costs up to one hour before the Sheriff's Sale in conformity with the provisions of Act 6 in which case attorney's fees will be assessed based on work actually performed. ~@..... Pennsylvania Act 6 of 1974, 41 P.S. Section 401 et. seq. Plaintiff notes further, that Defendant, in '7 of her Answer, admits and agrees with Plaintiff's assertions that the attorney's fees are in conformity with the mortgage documents and Pennsylvania law. Regarding Defendant's assertions that the fees and costs are included in Defendant's amended Chapter 13 bankruptcy plan, Plaintiff notes: 1) Plaintiff has obtained relief from the automatic stay of that plan and so is not bound thereby (see, docket entries attached hereto as Exhibit E); 2) the bankruptcy has been dismissed (see, Exhibit E); and 3) Defendant's proposed plan is merely speculative and not binding upon this honorable court. Accordingly, Plaintiff respectfully suggests this response does not raise any genuine issue of law or fact and so does not bar entry of summary judgment in Plaintiff's favor. Defendant admits Paragraph 8 of the Complaint that Plaintiff fully complied with Act 91 of 1983 and Act 6, by sending the new, combined Act 91/Act 6 notice, also referred to as the Act 160 notice. III. CONCLUSION All material averments of the within motion are verified in the attached signed and sworn affidavit pursuant to Pa.R.e.P. No. 1035" Defendant cannot simply rely upon the averments of the Answer to raise > ""-. =-. >' " '~, ~'. -""",,,-U,;--,'-' an issue of fact. Phaff vs. Gardner. 451 Pa. 146, 303 A2d 352 (1973). Accordingly, Defendant's answer admits all material facts, there are no issues of material fact and the Court should grant Plaintiff's Motion for Summary Judgment. Respectfully GOLDBECK Me BY: MICHAEL ~ . . i-"o .-,- . ',,-,' ''-;';.~ -,' .- ,:,-',- :.-.~- ~, - ''';1 GOLDBECK MCCAFFERTY & MCKEEVER JOSEPH A. GOLDBECK, JR. Attorney I.D.#16132 Suite 500-The Bourse Building 111 S. Independence Mall East Philadelphia, PA 19106 215-627-1322 BY: MICHAEL T. MCKEEVER, ESQUIRE Attorney I.D. #56129 Attorney for Plaintiff COLUMBIA NATIONAL INC. 7142 Columbia Gateway Dr. Columbia, MD 21046-2132 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY VS. No. 00-3072 MAURA A. JENKINS (Mortgagor and Real Owner) 24 W. Locust Street Mechanicsburg, PA 17022 Exhibit List A Complaint in Mortgage Foreclosure B Answer to Complaint e Mortgage D Note .:_l , ,- ~- '~,,: : GOLDBECK, McCAFFERTY BY: Joseph A. Goldbeck, Attorney I.D,#16132 Suite 500 - The Bourse Bldg. 111 S. Independence Mall East Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff & McKEEVER Jr. il'l> _L' , , F,TiFf THAT THIS ': j CORRECT cr' ~~_,:.r".L FlLEC ATTORNEY COpy COLUMBIA NATIONAL INC. 7142 Columbia Gateway Drive Columbia, MD 21046-2132 Plaintiff vs. IN THE COURT OF COMMON p]'EMb c <:::> ~ 3: OF CUMBERLAND COIDii:il/!!' ~"" ~~~ ~ :ACTION OF MORTGAGE FOR~SbSUNE .J.";.' ~~ C:? <'"-~ :;:J r" o "" MAURA A. JENKINS (Mortgagor(s) and Real Owner(s)) Term No. ':;:l j--:''1;g "TJj-n- ::.)0 OL ~j;~ :'J".') :':::::;;11 o ~ =< I' ,. ji CIVIL ACTION 24 W. Locust street Mechanicsburg, PA 17055 Defendant(s) CiVIL ACTION: MORTGAGE FORECLOSURE Cx:>-2(j7~ C,UtL '-r~1 THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after the Complaint and notice are served, by entering a written appearanCe personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do 80 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 TAra;: 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. CUmberland Couoty Bar Association 2 Liberty Aven~e, Carlisle, PA (BOO) 990-910B Legal Services Inc. B Irvine Row, Carlisle, PA 17013 (717') 243.9400 A V ISO LE BAN DEMANDADO A USTED EN LA CORTE. S1 DESEA DEFENDERSE CONTRA LAS QUEJAS PERESENTADAS, BS ABSOLUTAMENTE NECESSARIO QUE USTED RESPONDA DENTRO DE 20 DrAS DESPUES DB SER SERVIDO CON ESTA DEMANDA Y AVlSO. PARA DEFENDERSE ES NECESSARIO QUE USTED, 0 SU ABOGADO, REGISTRE CON LA CORTE EN FORMA ESCRITA, EL PUNTO DE VISTA DB USTEn Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA. RECUERDE: SI USTED NO REPONDE A ESTA DEMANDA, SE PUEDE PROSEGUIR CON EL PROCESO SIN SU PARTICIPACION. ENTONCES, LA COUTE PUEDf:, SIN NOTIFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y REQUERlRA QUE USTED CUMPLA CON TQDAS LAS PROVISIONES DE ESTA' DEMANDA. POR RAZON DE ESA DECISION, ES POSSIBLE QUE USTED PUEDA PERDER DlNERO, PROPIEDAD U OTROS DERECHOS IMPORTANTES. LLEVE BSTA DEM}lliDA A UN ABOGADO IMMEDIATAMENTE. SI NO CONOCE A UN ABOGADO, LLAME AL "LAWYER REFERENCE SERVICE" (SERVICIO DE REFERENCIA DE ABOGADOS) , 215-238-6300. CUmberland Couoty Bar Association 2 Liberty Avenve, Carlisle. PA (800) 990-9108 Exhlbrt A Legal Services 1ne. 8 Irvine Row, Carlisle, PA 17013 (717) 243-9400 ~. ,-, . ~ _"01_ -,~,. ~ -, ~ COMPLAINT IN MO~TGAGE FORECLOSURE 1. Plaintiff is COLUMBIA NATIONAL INC., 7142 Columbia Gateway Drive, Columbia, MD 21046-2132. 2. The name(s) and address (es) of the Defendant(s) is/are MADRA A. JENKINS, 24 W. Locust Street, Mechanicsburg, PA 17055, who is/are the mortgagor(s) and real owner(s) of the mortgaged property hereinafter described. 3. On May 12, 1995, mortgagor(s) made, executed and delivered a mortgage upon the premises hereinafter described to COLUMBIA NATIONAL INC., which mortgage is recorded in the Office of the Recorder of Deeds of Cumberland County in Mortgage Book 1262, Page 938, The mortgage has not been assigned. These documents are matters of public record and are incorporated herein by reference in accordance with Pennsylvania Rule of Civil Procedure 1019(g). 4. The premises subject to said mortgage is described as attached. 5. The mortgage is in default because monthly payments of principal and interest upon said mortgage due December 1, 1999, and each month thereafter are due and unpaid, and by the terms of said mortgage, upon default in such payments for a period of one month, the entire principal balance and all interest due thereon are collectible forthwith. 6. The following amounts are due on the mortgage: Principal Balance Interest from 11/ 1/99 through 3/31/00 at 8.500% Per diem interest rate at $16.38 Attorney's Fee at 5% of Principal Balance Late Charges 12/ 1/99- 3/31/00 Monthly late charge amount at $25.93 Costs of suit and Title Search $ 70,335.19 2,489.76 3,516.76 103.72 560.00 $ 77,005.43 153.42 Escrow Balance Deficit Monthly Escrow amount $182,01 $ 77,158.85 7. The Attorney's Fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriff's Sale. If the Mortgage is reinstated prior to the Sale reasonable Attorney's Fees' ell be charged based on work actually performed. 8. Notice of Intention to Foreclose and a Notice of ,,' -" . , . , "' ~,.',", ,.,,," :1';;"' ;,,;,. ,. ...'" Mi . . '..~ Homeowners' Emergency Mortgage Assistance has been sent to Defendant(s) by Certified and regular mail, as required by Act 160 of 1998 of the Commonwealth of Pennsylvania, on the date(s) set forth in the true and correct copy of such notice(s) attached hereto as Exhibit "A". The Defendant(s) has/have not had the required face to face meeting within the required time and Plaintiff has no knowledge of any such meeting being requested by the Defendant(s) through the Plaintiff, the Pennsylvania Housing Finance Agency, or any appropriate Consumer Credit Counseling Agency. WHEREFORE, plaintiff demands judgment in mortgage foreclosure the sum of $77,158.85, together with interest at the rate of $16.38, per day and other expenses incurred by the Plaintiff which are properly chargeable in accordance with the terms of the mortgage, and for the foreclosure and sale of the mortgaged premises. & McKEEVER Jr., Esq. 'h'''l ~" ,,~ .~- MAR 29 '00 02:49PM P.5/6 <- ,,~ i! II ] ii I, TOli" VERIFICATION OV(JfVll../er , as the representative of the Plaintiff corporation within named do hereby verify that I am authorized to and do make this verification on behalf of the Plaintiff corporation and the facts Set forth in the foregoing Complaint are true and correct to the best of my knowledge, information and belief. I understand that false statements therein are made subject to the penalties of 18 Pa. C.S. 4904 relating to unsworn falsification to authorities. Date :~ r: \ t ~ I 2-0D() #2180998 - JENKINS,MAURA A. -~ ,~~-~ 0.; ,,~ .'- '--"-, i~;"',',' ". '-'; ,,~"- ~ - -" J"" 'yo' EXHIBIT "A" ALL THAT CERTAIN piece or parcel of land situate in the Borough of Mechanicsburg, County of Cumberland and State of Pennsylvania, bounded and described as follows, to wit: BEGINNING at a point at the comer of West Locust Street and Lamont Alley; thence by Lamont Alley in a northerly direction, 93.00 feet to Stouffer Alley; thence by Stouffer Alley in an easterly direction, 35.00 feet, more or less, to lands now or formerly of Snyder; thence by lands now or formerly of Snyder in a southerly direction, 93.00 feet to a point on the western line of Locust Street; thence by the western line of Locust Street in a westerly direction, 35.00 feet, more or less, to a point, the place of BEGINNING. HAVING THEREON ERECTED a two-story frame dwelling house known and numbered as 24 West Locust Street, Mechanicsburg, Pennsylvania. BEING TIlE SAME PREMISES which Eugene H. Potteiger and Nancy C. Potteiger, his wife, by their Deed dated ~ /2. ' 1995, and intended to be recorded immediately prior hereto ID e Office of the Recorder of Deeds ID and for Cumberland County, Pennsylvania, granted and conveyed unto Maura A. Jenkins, single woman, Mortgagor herein. Spte of Pennsylvania } 55! '>!ntyof Cumberland I! ,:.>'ded in the office for the recording of 0 '~J~ .~' i. ,ndtar{~mberla, ndCounWh~ .. .-;. , Bo<Jtall Vol:-::::- paQ8 '::};Z:6 ',-.0 . ':."0- my han eat of offi (Ie::. '''''-, '1~ Culisla, PA thiS day of R rooK1262 PACE 944 ,. '~" --', 'i; February 16, 2000 HISIT A COLUMBIA NATIONAL EX " K1ncorporated Maura Jenkins 24 W. Locust street Mechanicsbu, PA 17055 P 344 497 138 Re: Columbia National No. 2180998 24 W. Locust Street Mechanicsbu, PA 17055 @ Dear Borrower: 1 A P PEN D I X A ACT 91 TAKE ACTI YOUR HOM FOR E C NOT ICE ON TO SAVE E FRO M LOS U R E * This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S MORTGAGB ASS:ISTlINCB PROGRAH (IIBIIAP) may be able to help to save your home. This Notice explains how the programs works. To see if IIBIIAP can help. you must MEBT W:ITH A CONStlMBR CRED:IT COUNSEL:ING AGENCY W:ITH:IN 30 DAYS OF THB DATE OF TH:IS NOT:ICE. Taite this Notice with you when you meet with the Counseling Agency. This name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. :If you have any questions. you may call the pennsylvania Housing Agency toll free at 1-800-342-2397. (Persons with impaired hearing call (717) 780-1869). This Notice contains important legal information. :If you have any questions. representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOT:IF:ICAC:ION EN ADJUNTO BS DB SOMA DlPORTlINC:IA. PUBS AFBCTA SU DBRBCHO A CONT:INUAR V:IV:IBNDO EN SU CASA.S:I NO COMPRBNDB BL CONTBNIDO DB BSTA NOT:IF:ICAC:ION OBTBNGA UNA TRADUCC:ION :IIIMBD:ITAHENTB LLlWANDO BSTA AGENC:IA (PBNNSYLVANJ:A HOUS:ING F:INANCE AGENCY) sm CARGOS AL NllMBRO MBNC:IONADO ARR:IBA. PUBDBS SBR BLBG:IBLB PARA UN PRBSTAMO POR EL PROGRAM LLAMADO "HOHEOWNBRS' S BMBRGENCY MORTGAGB ASS:ISTlINCB PROGRAM" EL CUAL PUBDB SALVAR SU CASA DB LA PBRD:IDA DEL DBRBCHO A RBDDaR SU H:IPOTBCA. 7142 COLUMBIA GATEWAY DRIVE P,O, Box 3050 COlUMBIA, MD 21046 ( ," \" ." )ur(iOeur @ ,............ LlH'IDE" ,'--j ,,''j/ ~" HOMBOIiNBR'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOMB FROM FORECLOSURE AND HELP YOU MAKE FllTl1RIl MORTGAGE PAYMENTS IF YOU COMPLY WI'l'H THE PROVISIONS OF THE HOMBOIiNBRS IlMIlRGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU BE ELIGIBLE FOR EMIlRGIlNCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSIlD BY CIRCllMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MBBT ESTABLISHED BY AGENCY . OTHER ELIGIBILITY REQUJ:RIlMIlNTS THE PENNSYLVANIA HOUSING FINANCE TmlPORARY STAY OF FORECLOSURE -- under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and. attend a -face-to-face- meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MBETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR BMIlRGIlNCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO D1l.TB. THE PART OF 'l'HIS NOTICE CALLIlD "BOW TO CURB YOUR MORTGAGE DEFAULT", EXPLAINS BOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUIIIlR CRIlDIT COUNSELING AGENCIES -- If you meet with one of the COnsumer credit counseling agency listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. 1l.dvise your lender immediately of your intentions. APPLICATION FOR IfORTGAGB ASISTANCE - - Your mortgage is in defaul t for the reasons set forth later in this Notice (see fOllowing pages for specific information about the nature of your default). If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Ilmergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this NOtice. Only consumer credit cOuneling agencies have applications to the Pennsylvania Housing Fil1ance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. " ' ~ I YOU MUST FILB YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIMB PERIODS SBT FORTH IN THIS LBTTBR, FORECLOSURE MAY PROCBBD AGAINST YOUR HOMB IJlMBDIATBLY AND YOUR APPLICATION FOR MORTGAGB ASSISTANCB WILL BB DENIED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it recieves your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARB CURBNTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICB IS FOR INFORMATION PURPOSB ONLY AND SHOllLD NOT BB CONSIDBRBD AS AN ATTBIIPT TO COLLBCT THE DEBT. (If you have filed bankruptcy you can still apply for Bmergency Mortgage Assistance) . HOW TO CURB YOU MORTGAGB DBFAULT (Bring it up tp Date). NATURB OF THE DBFAULT - - The MORTGAGE dabt held by the above lender on your property located at: 24 W. Locust Street Mechanicsbu, PA 17055 IS SBRIOUSLY IN DBFAULT because: YOUR HAVE NOT MADB MONTHLY MORTGAGB PAnmNTS for the following months and the following amounts are now past due: PADlBllTS $2,101.95 NSF FDS $.00 LATHS $78.96 OTBBR FEES $8.00 LESS FUNDS ON-HAND $.00 TOTAL $2,188.91 ,.-, -,".,,~= '- i:J.. I,' I .~,,; ,.;,;',"~ ',,''-';-';..c;, .->';" ~.~.., -'''~., ',,__,;, B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable): HOW TO CURE THE DEFAULT -- You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $2,188.91 PLUS ANY HORTGAGE PAYMENTS AND r.;\TE CHARGBS WHICH BECOME DUE DURING THE THIRTY (30) DAY PBRIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to: Columbia National, Incorporated 7142 Columbia Gateway Drive Columbia, Maryland 21046 IF YOU DO NOT CURE THE DEFAULT -~ If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt, This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF' S SALE - - If you have not cured the default within the THIRTY (30) DAY period and foreclose proceedings have begun, you still have the right to cure the default " . "~ : " and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney1s fees and costs connected with the Sheriff's Sale as specified in writing by the lender and by performing any other requirements under the mortgage. CUring your default in the manner set forth in this Notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriff's Sale of the mortgage property could be held would be approximately Six (6) months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the_required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Columbia National, Incorporated 7142 Columbia Gateway Drive Columbia, Maryland 21046 EFFECT OF SHERIFF'S SALE -- You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE You mayor _ may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE ;,;-.~";,-~,:,:,",, .""~'-' , I i I I , i II ,j I' II II I II ~ II :1 " " , ,~ -,-- THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS, TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ,'- .'~'!'.I!),."r ',." y. '~: 1 i I I i I :1 'I I ;:! :'i i , .",' , " ,<, N' ; ,-~ ,'- ::"1 l~' ,:,,"-,.,'~~" " ~~,i RECEIPT FOR PAYMENT =================== Cumberland County Prothonotary's Office Carlisle, Pa 17013 Receipt Date 5/17/2000 Receipt Time 15:57:20 Receipt No. 95701 COLUMBIA NATIONAL INC (VS) JENKINS MAURA A Case Number 2000-03072 Received of PD GOLDBECK 1M Total Check... + Total Cash.... + Chang,e. . . . . . .. - Receipt total. = 45.50 .00 .00 45.50 Check No. 123578 Transaction Description COMPLAINT TAX ON CMPLT SETTLEMENT JCP FEE Distribution Of Payment ------------------------.---- Payment Amount 35.00 .50 5.00 5.00 CUMBERLAND CO GENERAL FUND BUREAU OF RECEIPTS AND CONTROL CUMBERLAND CO GENERAL FUND BUREAU OF RECEIPTS AND CONTROL 45.50 ." '.. ',~ . -,~ .' -,,- ,:;-~~^""" ",-"',, 'i'-:~ ., :1" , >i, .. -=="-,,,,"" COLUMBIA NATIONAL INC. 7142 Columbia Gateway Dr. Columbia, MD 21046-2132, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PA CIVIL ACTION - LAW v. MORTGAGE FORECLOSURE MAURA A. JENKINS (Mortgagor and Real Owner) 24 W. Locust Street Mechanicsburg, PA 17055 Defendant : CIVIL ACTION - MTG. FORECLOSURE CASE NO. 00-3072 CIVIL TERM ANSWER TO COMPLAINT IN MORTGAGE FORECLOSURE () C) c: C.J :;-- ,. COMES NOW the Defendant, Maura A. Jenkins, and answers[Rgj '~; 2;; ]) "- Plaintiff's Complaint in Mortgage Foreclosure, stating in support the{~~f a~, r::c--i follows: l-; ,-~ ::.~ 6('-:; >-C.: _. 2~ --{ :v -< m 1. Admitted. 2. 3. Admitted. Admitted. 4. Admitted. 5. Admitted. As further answer, Defendant is in a Chapter 13 Bankruptcy, No. 98-02545. Creditor obtained relief from the automatic stay sometime between October of December of 1999. Defendant is now receiving regular income in the form of child support of $200.00, plus an increase in her personal business at home. Defendant has amended her Chapter 13 plan and proposes to pay her arrears of approximately 5,500.00 through said Plan over the remaining 3 years of her plan (See Exhibit "A" attached). Further, Defendant also filed a Motion to reinstate the automatic stay that protects her home at 24 W. Locust Street during the pendancy of the bankruptcy. (See Exhibit "B" attached). The Honorable Robert J. Woodside, judge of the United States Bankruptcy Court, Middle District of E 'i~l' b rr ~ C) '1 ....: :=~ :{~ i..') ; - i" l' ~ <~ ..! ~ -< . , -,-; <<- '-,,~ ' ~--,~, , - ~, / Harrisburg, PA, has ordered a phone cQnference to be held on July 5, 2000 at 3:00 p.m. regarding this matter (See Exhibit "C" attached). During this phone conference, it is Defendant's hope and desire that the Plaintiff, Columbia Mortgage, will agree to allow Defendant to cure her arrears on the mortgage through the bankruptcy plan. Defendant has been paying into her plan for 2 years, via a wage attachment, and is current on all of her payments. Plaintiff would receive its arrears on a regular monthly basis from the bankruptcy court. 6. Denied. Defendant does not agree with the attorneys fees and costs: Attorneys fees and costs are included in the arrears amount set forth in the amended Chapter 13 Bankruptcy Plan. 7. Admitted and agreed. 8. Admitted. WHEREFORE, Defendant requests that this Honorable Court deny Plaintiff's request for mortgage foreclosure until the phone conference is held on July 5, 2000 between Plaintiff, Defendant, and the bankruptcy court judge. , b(s/6L Maura A. Jenkins, Defendant 24 W. Locust Street Mechanicsburg, PA 17055 (717) 691-0634 " " " '.' "'~, ,," ,- ",,"' ~:;;--,,~"~,~,,-,~,,:;< ~~'-M"'i., '--".~i; U}ilTEDSTATESBANKRUPTCYCOURT Middle District of Pennsylvania In Re: Maura A. Jenkins 190-56-8125 '. Chapter 13 Case No. 1-98-02545 MOTION TO MODIFY CHAPTER 13 PLAN COMES NOW the Debtor, Maura A. Jenkins, pro se, and hereby gives notice of her intent to amend her voluntary petition in Chapter 13 Bankruptcy, pursuant to Federal Rules of Bankruptcy Procedure 10009, as indicated in the attached, Amended Chapter 13 Plan. The submitted Amended Plan has been amended to add post-petition, secured mortgage arrears, plus to reflect corrections set forth in the Debtors' Amended Schedules I and J due to a change in Debtor's income and expenses, The attached Amended Plan is necessary to save Debtor's home from foreclosure. Debtor had a newborn in July of 1999 and has just begun receiving support in April of 2000 for said infant IN addition, Debtor's income has increased due to an in-home business she has established and this increase in income, in addition to the new monthly support, will enable Debtor to fund the propose plan and enable Debtor to pay her mortgage arrears and keep her home. In addition, Debtor will continue her wage attachment to fund the plan. Respectfully submitted, Maura A. Jenkins, Debtor 24 W, Locust Street Mechanicsburg, P A 17055 (717) 691-0634 Date: .--' RECEIVED Harr~Rurg, \ MAY ~22tlll I C':;~u-"r.'- B~n~'k"U";;;:-Y CO'"lIt !'.;..I~l .' r.~I" I"." -., : r.:'('\.~..:~~==~=~~~?::.'~:~'.' .(~l~;~! , L ."- ~~-~~-~s 13:23 PREMIER ABSTRACT ID=7172433399 w 1. loJ DS e- o ___ .<; AFTER r~EcnRO j N6 RETURN TO: COLUMBIA NAilONAL. INCORPORATED ;142 COLUMBIA GATEWAV DR" COLUMBIA. MD ATTN: DOCUMENT CONTROL 21046- 2 '\,;32 ~ "" ,., - .... .., i; ~~, Cl:lr".1l tn n r..l ::;., 00">' r-::1Jfl :t--o;TI ~ ~l,~,' ~l.5~ ~ >'11", c c-, 1-:; ~ I" t~ ~ ~~ I:; , ,,/) .)~ ~ " -"._'-~-lSII11~c^btlv~'rll;..l,lr",I""r'U~"1',ur'dlngllnlltl ~ '0> ..... .... MORTGAGE \W;G\B~E O\\\G\~""\. 'I'HIS MORTG^GE (US':cl1til'1I11Slrl1m~nlU) i.~gjv\:n on MAURA A. JENKINS MAV 12TH 1995 . Till': lllorlJ;(Igor i~ (~B()I'rll\V~~r~). .nli", SWlldlY Illslnllll\:lll i:o:givCll In COLUMB IA NATIONAL, INCORPOR.l',T1m which i:o: 'll"l,lmli.,,\;(1 HII,I ~;)Iislil\l,! IUlt!l,:I'lhc luw,';,Jf "ddT\~-: i,. P, 0 80)( 9050 COLUMB I.." STATE (IF MARVl.AND ,lil'l(1 whll~C: ~ARVLAND 21045-6050 (Nl..l.'l1d..:r.), Bn'rl'uwcr owe...; Lcrukll" tile f'lrlncipul :-;tllll or SiXTY Sl~V~N THOUSAND rOUR HUNOr1EO FI;:TV AND 00/100 1)\IIJurs {IJ,~, $"" . ,-. ~. (57 , 4.50 , 00), Tlli;; dub: i~ ,,,,idcllc':tf hy !311r1'1.,w<.:r's 11t,1l; dUlcd 1Ilo.: ~IlIlC tLuI\.i u....; lhi:-: :.i.:curily fl\SrrUllllml ("NIIlcHl. which f\f'il\'idfo.'S for lnlllllhfy ]'lllylll"mls. willi lll!: full dc:hl.. if ",il f>>titJ 1l"rllllr, clull ull,1 llily"hlc 1m JUNE 1 ST ,2025 . Tlii:<: SCl.:urily !US\illl1WIlI ,-:l't:tlrl~' In L....mh;r: (u) lllll n:f'lilYllu:nl uf rlw lI<.;hl cvidl:llllX~1 hy llw N,'l~', willi illll:n:....r, mld all r':IlI;w<Jls, fo.?\I":Il:-:i1111.-: illllllllll<liliculi(lnS '1r rll..: Now; (11) lIw puymcl1l "full lllll..:-r ~llm>... wilh inr,'r<~-:l.. Oldv.lllC':.! Illllkl' jllll'll),lraph 7 In pi"l'I<ocl Ill!: :O:CCUrilY pI' lIlis Securit)' 11l:-llnuIll:Irll: ;111<1 (e) Ih.: 1'lI,;l'l'"rlH>I\lL'~' '11' U"fl'lIW":r'S 1.:'",cllalll,: nllll .I1=l'I,,'IllCllls \Iluil:r Ihi::> S.:cllrily In."IllnmlclIl Iilld Ill.; Nulo.:. For lhi:-l pLlTpl'I:-l\.i, U\IHl1WCr ,h,o.:... heH:hy In'lrIguge. ~rl.1nl ulld OIII1\1CY It' l.,l;llder Ihe, f,'llnwil1S tlc..~rib<.l(l pruj1Cti)l loc~IIt,\(1 il) CUMBERLAND Cuullty. Pc.:nn~yl""nla: SEE EXHIBIT ';A" FOR LEGAL D~SCRIPTION (STRIKE OU1' 'F \NAPPLIC~BlF.} BORROWER ACKNOWlEOBES THAT THE sut so RECEIVED' fROM LENOEr, UNDER THE NOTE S"GURI,:" ev THIS INSTRUMENT IS, IN WHO,E OR IN PART, f N Pl:r~t~HASE MONEY OF ':!!1: lr'n:~':"r;T'{ SECURED HEREBY, lu..EGIBL~ ORIGINAl. tS\ MECHANICSBtJaG~""'" c"", whjcllh:1Slllo.:IUI,fl'I"~"i' 2l W, f'CUI1:l)'lvillli:1 17m:'6 : ;'~II' 1 ',,<1,'[ I_OCU:::~'i' ~,;Tnn;Y i'1)~OUGH OF ( ,'.1 II" "f ",cldr~'s:="); l"ENNGVLVANlA.S""11"1",,"';y_r".,.,,. <Dl,-c;AlrAI ,,""1'1 COP1 """"'31,};!9 9}9l) r A'"~"'loJ','~'!I1 ,.. 1o"""I$'JM...: 02.1809 " M;\../h",I,I;.,IV,~.lJr",'lJ; 'It,,,,',. ...,1,--, ""."".'1) """'I,"''''I\,~'''''''-'~S' . , ,,~I.. Ill", . 1~'''''D2I'l~~1 1)5/1 '1/85 ,;".1262 :",[ 838 'j: 4,4 PM EXh1bd-C \. PQ7/1S 41 " . _'C.. "",' "'" I,' , j I~ I': I: I' \ ~3-29-~G 13:23 PREMIER ABSTRACT . . . ID=717243339Ei1 PGB/15 " \~ TOGETHeR WITH 1I11 Ihe irnpl'tlven!l.:tJI~ n,IW Clt-(JCroolrICT,,'crcclcd :Oll I!\~ fll'O~rty, unci un C:l~cmL'tlls, l.Ippurlella.J~<':"':.11l1d f'ilCltll'C.<l. lUlW fir [lI.."TI.ml"1crl'l Jl<l.M <If Ihl~ pMI!"..:rly, AlhO:!'lhlc't;II1OflIS lint! 1l(~lllhlll....;~lli1lJ Ill:!,\ I.... ~"\'..:rl'd by lhis- St:l.:lIrily 111SII1.II1ll:1l1. AllllJ' Ihe Ihl'l.:guill!; is n,krr.;d :u illlh.is SL'Curily Inslrulllcl1l i~" t.he "Pn Ip..,.ly." , BORROWIiR COVeNANTS Ihlll Borrowt:r is Illwlully ~.sct!'or (~u'cS(utt:: hL"l"cby conv..:yt..'tl and hit": lIll: righJ hi I1mrl~".lte, l;t.IHI mll[ CI1I1V...'Y Ih..: f'r.'I"CflY aud IImllho ?I\Ipl)-tJy i~ llllciiciu'mhercd. ":X':";PI rot '-~'CJ.Il11hr:'."H!'-'" ..1' 1.......,,1'41. B('rtuwct W:lmll,l,.. nlld will .1~1"lld g":11..:111!ly lhe IiI/..:- III lhl', Prn!'K.'t1y IlsuilJ,.;::l :'III .:h,ims lllld o.:lllmuls, :mhi"d II) ;IlIY etle:Utllbr;III1':.::sIll' rcc<lltl. THIS SECURITY INSTRUMJ;NT (,...,mhill~ uniJ',lt1n UllVt,..'uulll.. fur'llatiulllll 1lSC lInd lltlll-tJlli(tITllI CUVUlllllllS wiJh lillljlctlv,U'i.lliUlI~ hy jllrisdiclitll"lltl e:mt;:;lilll(C.'l. Ilnirnll1) sr,;(."lIrily i1'l$l.nlmil:l\I eOv~rin!;: rc:.tl pWI'lCl'ly. UNTl::ORM COVENANts, BtlmlWCr~lldu.-nd~~rc()Yen!lnl and agrcc.n.'1 ftllJaws: 1, J)II)'lI1~1l1 or t"!'hlejp{lllll~d lllle1out) Prepnymcut UIId LQ~ ~rges; BOrtuWllr ,:;;1).0.11 pl'l)inpHy 1)01)' when tlue Ille prill..:i!)<I11If:Uld illlcl"l.:~,11111lhcdchI1.'Viilcnc.'l:IJ hYlhc N~.cnndnrr_Y_rl_ro.ppYl'li.elllllhd ltllc-clmrgcs-01uc Ulllh:tlhc N.ll..:, 2. Fllnds fIll" Tl\XCS :Iud InsunulCe. SuhjccllCl tlflJ)lii:tlble IllW'tlr II.)'U wrillcn wlliver 0)' Lcl~Jer. BOrl1.lw..:r slmlljlay In Lender ollllw duy Illlmlllly J1:lYnJcnl~ llI'C dlj~ llllt)et: rhe ~(l!~ unliTlhe NOlc'jSjll.lid infulT..n:-lUJn ("Flmtl..:) ["Ir: (;l) yctlrly tuxc.... :lIlU :J,;,<a..'":S1l1":1lll'l which muy ..Ua;n priority nvcr this So:urity-lrU;lrumCnlll.~ Illi,ell nn the Pmperlr. (h) Y',:llrly 1<::'I,.''<:lIllld ~IYI11I"llJS<lr ltrllllUd rl.'lll:( CllIl/le rrr.1Jll::rly, il':Il1)': eel yt:<lt!;y Illl;r.:lrd ur 1*IPel'ly ilL'illfnllCe pn;miUllls: ((I) )'c:.lTly n()ud hl....Ottlllee l.ncmillllls, i[':my; (el ycurly lI'lurtgll~ illsur.llt1(,'C premiums, if:\1'Y: lllld ,(t) any sums JlllY::lbll:: uy 8~m\lWer III Lcmk..'T, in :Ic~~'l'd:mc\l wilh the lll'lwb.inn:l (lrrllm~l'l:lrih 8, tnliel.l'llrthc j')."J.ymcnt of Inorl.b'llgc i'L<:Llnmcc prcmillllls. Tlle::(e iLems are (,1111\011 ~l:...el"'lw 1l.':ll1s," 1.J.:udcr t:.my. ul ull1 lilnu.cLIIIc<:\ lll1d ht,IJ Futltl.. ill ill' C\ll1t1U1IIIll'C Ju ..:...t:=(III1..: 1l11l;r;iml1lJl :II1lPlllll u h.:nd::r rot 1I rL."tler.iI1y re'a[~llllort1l:llS": klllll mo)' require for Borrower's C!icmw lH;:cuunl llllu..:;r llle l'cder-oJl Rcollli..l:lle .!icUlel11L."I11 Pru4'I.Xhll'>.:::l Ac; Lll' 1974 us ~lllC:IKlcd.rrOln lime Iu Li1l1L~, [2 U,S.C, SceLitm 2601 II{ seq. '~RESP^~). Llllk';>o,"-:i1ln.J11.:rl..w (11II! Iljlpli~ !lIJhe 1;llmL'iselS'u,J..:s.-:crUlll11UllL.lr/lli). Lemler 11IUY.:lIIlIIY Ihm:.t,:tllk-..;l :nIL] Imld j.,uul...; ill 1m alll'"IIlIII'III'I~~Xc<.:cd lh..: k'~l)r:llIl\llJ!ll. 1..cI1Ck:r m~IY <.:Slim:llc Illl.l 'llllll\Uli I\r FUlld,<: tlue ullll,.: 1'l.:1SiS' ,II' CI\Tl\,:lll dillll ;lllllll~aS'I'llahl~' \-'Slimaks.," ':"P\~lldillll'l-;O:"J' flllur.: E....:nlw 1rL."I11S or ,'llll'rwiN<: in :ICc..Il'tI:llll:l~ wilb ,qlplil':lhk 1:1110', '1110.: FundS' :llmlf [I.:; lll'ld ill :'11 illSlihllitl1\ wh'J::l.ld'~pl~<:il:: .,rc ihsurcli hy l:I rC(h:r:llll~ell<':Y, in..:IrUlllt:IlJ:llily, "I' ~'lllj\y (ill<.:lllllillt; 1.1.:1lIIl1t. ir Ll'm!.:r is ::m:h na illlo"lillllitl111 <II ill IlllY Pl'dt'l'lIl HlIlllC Loan &mk, l..t:!lI.ll~r .-:1\:111 Uf'I\ly JIll' FUlld..l" puy Ill!.: !i....crllw IlclIl:(, Lender Ill::!)' nnlchllrgt.1 BOrl\!w~'r rllr IUllclill!! :Jntl :IP1)JYllIg the fl'lIIl.h:. .ulIl!l:llly :ltmJ;.''l:ill~_lh.~ d<.:row .u:t.:41tll11. "f vcri(yill!llhc li..;crllw llemS'. 11lllu:n:. Ll....,llcr /lIlYS Elt,lrmwcl' illll:lr"'....1 ,111 Ille: r-1I1\11... "l,d 11l1pJi~':lhk' 1:1W permits Lclld..:r II> Ill:l!.:\: slll:11 II e:r\:lT~C:, However. LUllth~r llUl}' 1'CI./t1itc 'BurI'l>Wer Iii f\:1y Il lIm.:..ime: cllars.e I'llr:1I1 mdcJ)clldeHI rell! ",...1:11.: l;I;.; r..:rUl1ing ;;",rvkl.' U;!l:d hy I..t:nd'~r illt:llllllc.:e:lltlll wilh.lhis lll:lll. lllll..:..:....:lllf'lle:lhk./uw jll'U\'I.k:_ otllerwis,;. UIlI....'<;.<l.lIll 111;1\.'e:I1I<.."l11 i:: mild.: tlr<lflJ'l]ictllllc lull,' I\.."'lLli~ inten.:sllobc puid, Lcntlc:rsh:J1l111l11~ !\.:l.llIir>.....lll. p..y BOfrOWl.ll' ally tlll<.:rt:SI m I;Ilrnings on Ihe F\lnd~. BClrl'llWe:r unr.! Lcndcrm:1Y ll!'lree ill wrifln.s:, howcYl:r, Ih1.l1 i'ltCl'L'S1 ~11tl11 be "'(lid 1111 (hLl r-Ull~J:.;, l.cllt!L.'l' :'lh;l11 ,::iVl:: It) 8(lrrow~r. witl10tll Ch:ll'jjle:. nil unnuul <Ic'~"(){lllting or Ill..:. rUllll'1. .shllWillg. credi1,; !lml de:hirs \.Ilhc P\1lld.":;lIltl the Purl"ll:-.'c Jilt which 1'.:"1.:11 dl.:hic ((1 fhe Fund....wu.... mnd..:. "llt: FUhds no.: p!t:dgcd ~l.~ :IJdiLillll:J1 Sc(:~lrit.Y I'll;" :llIsllllIssecllfo:t! hy lhis Scc:uril~ JIL'1rlllntml. If lhl.l !=ulIds h~~JcI hy L.t:llder eX('"'I;Clllhc Wllnunls r~I'mlT(c\l11l he; held, by ;lrrlil.::lblc 100w. L:nder ::h:l11 ill.:Cllll1ll tu Bttrmwe:r l'lt the <.:)1.<.:....-;0:,; fLlllthdIHllx:rmh!M(.'I;: wilh IhtlI'C"I~jrcnlc:nls (If UppliC:lble 111W. If Ihe :1l1l(lIml.lf lhe PUllds Jleld hy I.cndl.lr:1I ~llIy lillle ii'\ lUll :o'"uni-eiefllllll'l:IY ihc EsUl'(IW ll-l,."lns WhL."I1 dlU:, Lcr,cl.er UlI.IY -"11 IlfJliry Borruwer in wriLing, :md. ill Sllefl t:t....e 13,,'rrr.lwcr ~llllll P:IY 'II L<.\flllef lilt: nCUltmlllL.'C<.:s.'iUry.to IIIWce'ufl, 'tlle clelicicnCY"BMl'IlWer sl-wIII1l:lkl.lll(1 Ille de:rieiene:y il1ll<lllh,ll'l~ llmlllWdl'e lnlll1fhly I1n;ymCfIL'1.-.u Lcnc!er's::oIe diSC1'C:tiol1. UPt1l1 jluytnL."l11 ill Jilll tlJ':llr Slll11S~t1ret.! hy IhisScemit.Y lnstnuncnt. Lcndershalll'roml1lly rcf\llu! [0 SCltmwcr :111)' r-t1ml'i hell} hy Lender. rf. inKier PUr.lJ,tt;lllh 2! I Lcn(!.:r shill) >1cquiro or scllll"~ Pro.rx:rty. Lendet, Jlriorlolhc :IC(IUisitiClll or l-":llc 1;11' Ihe I'rtlf'CMY, shall lIP!ll)' IIllY FIJ1lll"t hdJ hy L::ldcl' at Ihe lime ClI' &-qw:,;ili(lll or sule..(Is.u Cl'e.:lit 11&:.Ji!I."llhc SIIIllS SC:Cll1'ed hy IhisS<':ul\I'ily Inslnlllwlll, , 3, Applkll/lllllllf l'aymculs, Un/e...... uJ)plicl\b1c Juw pmv'idC$ fllhc::rwi::.-c. nil rmYlllcnts rceciYl.:d by LClIdo.:t ullder Ill,r:ll.!rafllll'l I ami 2 .shull hl.l :lpplicd: !it'S{, In {lily rtep:\yrn~lll charJ.!.C:.l 1111e under lhe Nolo.:: ,St:tllmcl. In :lllltllllJCS 11:'Y:lhlc under 1l;.\r:ll:!t:Lpb:2; Ihird,ln illl..:'.....:1 clue; J'mrrth,IO ])rincip.ll JIlC; ll.ld I.~,l,) any liltCtrlll.lr~\l."1.1LIC: t[mL..:rlh..: Nl.l..:., 4. Clmrgcs; LiOl1S, [:!orrllwet :dmll J'luyal1 1:1Xl',.;. ~Is:ic:-<.'.l"le:nls. ..:htirg.:s. Jjll~ :lnd im{1(lsi1illl!:( aUri!llllt.hlc 1<1 Ihl' ~rorlCrlY whie:h mHY .,II:llll Jlli,~riry ,"\11;)' lhis SI.-clll'ily:'III~I!,llIll.'l1l, :llId lo.":JSI:!IUld pUrU!t.:lIlS' IU gr\llHld relll,.., if lillY, Borruw..:rshull [lUY 111':'-": ,lhllJ,::IIU'llSllllhc llltmner !lJ"tivrdt.:u 1111\llt:Jg.r-lph.2. nrlillu! p:llc1m llt:l! lIlalUlt.:r, Burruw<.:tslIulI ~IY tltl:llllltllllllC dircclly III fltL.:pCI'l"1\fl \lwt:t! !1l1ymc:nl. Borru'.lI'cTshull Jlrnmptiy 1\1Il1ish 'In Lender nil JlVrit:\l.":l,J'lIllhIUnlS J(l hI;' ptlld ~lnd..:r,lhi:< ]'l.:lnlgr'l{1h. IrB"rnlwt:rln~ Ih,'SI,~ Jll'YIlH.lnls c1in.lC:l1y, 1~llrl'ClWersh,,1I p1<'lI\l[llly limlish fl' I....~lldo."l' rCCI.:I/lIScVlt!Clle:llll; lll<.:ll:lytllelll:'l, Bnmlwc:r ...lUlI1 Nllllllllly di:<'elll.lrg..: llll? lien whieh has: I"rinrilY(IVCr tilL.:: Securily fll,..lnJlnell! UIII\l.''S Bnrr"we:': (:1) ugrccS in wrltinj; lu Hie JlllylllL"lll 'lflhe f.1bhgtllieu ::cI:w'cd by the Ii~ jll Q:tnnnnc:r <lceepl4blc 1(') Lender; (h) (:(1l1!t.::;ls- ill good J;lilh Ihe liC:ll hy, llr defcnds It;@.ajn~t cnl'orcemcnL of Ihe: lien in, lc:g:ll'rroe~ins-<; whicll in (he Lc:ndtlr's opini'lIl /)llcr-.:tll: ~ll llll::~elll,lhe clIl~lrL-"'::lnc:l~1 or Ihe: lien. 01' (c'l :>eel;1rcs from the. ~l~er of the lien tltl a&=lnenl slItisfue:tury Lu I:ellt!cr ~llhllrdmallll!-! Ihe.lIC!lln IIm:Se;-:tlfll)' 1:,!~HrLlmCI1I.)J LClklcr(lctenmtlC:.'1llmllll1;Y tlllrL QfUIe: l'rol1crlyis- stlhj..-clloll liell wInch limy 1I1.lUlll llr1tl,rlJ;Y liver 1111:( Scet;nty lnstr.lmel\l.. Lemler mOl}' give Borrower n notice idclltilyillg Iltl.1 liel\, BorrOWer slmll'-::il:sl'y lh.: hellllr lukl.1I11lenr mnl'l:~lflhelle:IlO11S::CI [Mill :lbuvu wi!hill 10 d:l)'S,d'tllt:: giving "flllllk',,:. .. . II.L.EGIBLE ORIG!NAL ~.&R~'lO"'''''. COP1 ,,' 05/11/95 iQij,12fi2 PACE 339 I""~~,,O J 1'0...".3030 ~'" I' 1~;h.I._ :AAl; ..:... 0218099 3:44 PM ".",'-~ ... :~ ,',> , .-.~ , ~:.~ "",;:';f:~ --~_._-~ ~ 93-~9-SS 13:24 PREMIER ABSTRACT ID=717248339Q ,. ~ S. l{;l2.:11"d 11" Pmpctrl)' Insllrnnc:e. Bnrm\Ycr MlIll kl!l!'J! lilt: ittlf'ltovcmenu; now'cxislinu or hcreul'lur ~1ct.l 1m lite rrnp~\)' h'>>o"\ll\..'ll tJV-llinNl, II~ hy li~. h~'l incl,1ll1..~ wilhilllllC ~cr,m .CXI"lldutl ',,"Oy.tJ!llJfC/O !U1d iln)',,~r hllt:lrtL... fflCll1lhllj,! 1l111lr,lsllr nl'lldlll1;l:, Jllr Will"ll LlJMde: rt:tlUI~ ITlNlll'lll1l:C. 11ullln.''lUnlll,"OUghllll he 11'lUlfttull"-l\linllli;:,ulntllllIISlIIIO nll 11I~ \'l~rh'll.; lh," 1....1"h.:t l'CI.I\li~, 'nle it\..<:ul't.1\eI: cntriet \'lm"litlinlll~ inm.\ran(.~ $halt hc.t.~'TI hy B~ sllhjcct \{'I LCrldl,'t'~ :111111"1....111 Wll;ch ~ll:l I 11111 ht~ Illlml.'O(1nllhly wjlllbcltl. If Bm,."wc.t litlbell) ll11lil1111in l.'(IV<:Juge dCscrj~1 1I1'Jt'vc., l"':lIlll.:r I\1U)', III 1.\'rlllo.!V'~ "f1lllm, "hl~,j1\ ..'tIV~t.I/,l'" hi ptllll'cl 1..lmdur'" righls in' .lhc, Pmrcrly in IIcllon11nlle with 1)l1r;lSr:.'11h7. _ ' ^I ill:;llrall1.:l~ 1'1l1idc1\ .llltl I'Cllewul:! :;hall hI: il(:,XjlhmJl.lln l.l.lndur 1llld lih:lll include lI,,Shuldurd Inurlgugu dlUlliC. lJ.ll\',~r h\\\Jlll'.i.lW {l\o.: \'i~hl In lI\tld Ilw. \",,!it.ltl:S llofil.l. ~\\lW~~\", Ir l..cl,,\cr, TI:1.1\~ircg'i \lmmwer.$.htM jlfnmp\\1 g.lw Inl.>>llth:T lIUl't:l:tlil\IS "r j\:lid 11t1,:Jllill1n~ unt! n::ll11WJII nnlie.'UIl. In lh~ CVi,l;l1 nr:It~,.8ml'O)\r~:l1hall'Biv"-flfNnflt oulicc In lh". il1~urlll'cc em-rlt:r :llld Lender. '-ontlL'r IJ1IlY I1'lQkc /'l11l9f nflol,tllrnrilri1t\(ltll:rr~-",tly'.h~' sn'fTOWt:t., ' ,,_ , ~ '.. UJ1}~ IAmkr ilIKII:Jllrrmvcr olherwim:: lJ&JCC In.wtlllllg, IUllur.mcc e~'Mull;'tX.: ItPlllictll"o re.~l~n'llitln ell' TCfluir llrlhe p.rll[lcrl)' tJUl,llI!J:ctl, iflhe ~~I't1lljt\n ,'~ n"fI1tiri~Cc(lll,~l11ieqllx rt::t~!tllc,,!,d.,Uriijer'l'Il'I~nril'y is not 1Ct.."'Wned. If lhc n::;\\'1T1,\\1U1l m fl;~I\T I:> mIl 1:\:I'oI,l',\11c\\lI)' fc=;\blc(ll' ~1.I\(teT 3#CU'l\Y'W\Yl.l\d 00 h:;sl1,~I.'\hp lnSlllllnCC PTOL't:Cll'i ~hllll he ~1J'lfllil:ll flllhe lllllns Sl:~'IlNd hy lldl'! ~tl(;\lrily IJJ:01lnllnlint, Wh::lIl1,lr ;,r IlIlt lhl,;n tJIIl:, ......hlf Ilny'~xe~' pai~ IH A,II'n,w";I', II' Bmnlwo.:l' :lIl:lIld"ll.-l Ih..: l'nlp..:rl't, Ill' ~j,h.':\ 11(11 nn.'l\y~r wilhhi J() tlllY:; II lllijic.:~ 1'1'l111l U:nlll:r lhlll-llle hlllUr.UIC,,\: C:<lrti~'1' 11<1,'< tlIT..:n.:d III ~lllo.: :1 dllim, Ill..:" l.o.:lll!.:r nmr "',,!lcel Ih..: ifl:-.ll"oIlll.'I,." p/'llct:1:(Li, Lemll.\l' nmy, Ull..: the Iltlll:OOl.IllIH t,,;p,uir UT Mllt'l'l; Ihl: Ilr"JIl,:rl't Ill' It, l'uY llunl.'4l'Cl:tlr..:~ hy lhi~ S~':lrrily Iml11'LIUlllJll. whceher lIT Illllllu:u duu. ThL: :Itl-d:IY po.:rilld will hogin W\ll:llI\W n,l1iL'C i~ J:!.,vun, . UnIt::;''; Li:lldl:l' allcl13l1rrnWo.:r 'llhl:rwl$l;llgl'l~l,: in wriljllg,llny i1[lfllic.:llli~11l Ill' Ilrill:llUd.s h'lnillclllill.sJlIdl \lllluxlelrd or 11l.~'4111Ilnl' Ihl:,lue t\;lIl.'ld'lhe tlhltllhly I'mYll\~~lIhel't.\ti.:rJ't,..tll!l il1\WlN.I'Tll~lu: I ~nU 2 urchuAt!;\: HW-l\tL1I.\HtU t1t'thl:}lt\Yl\\I.:I\\~, If \luder llunlgnll'h 21 lhc Pr(11)Urly i$ UC4I\urcd hy I.fn~er. et~rtll\llC,r s "ghll(l ',m~ ins\I.",. "",' poli~i~ l1l\tJ ]lJ'(lcecd:. r(,;~ullit~g I'rol\l damage In Ihe: l'mrClrty rrlar to the acqur$ltion shall'pass 10 Lentlet In lhe exlent C1llhll'!II\lm:; tICCl.l1cd by 1111:'; SocurilylnstnJmcnllmmcdi~lel)'priorkilhc:acq\,ljsiljon.' " . _ . ,,-' . 6. OccnpnncYI Presol'Va1ioR, Maintenance ond PfotccUon or tlie l'roperty; B(l11'Owcr's LOlln ApplicnLlolli Lel\&tlu~lds. Bml'nwl:.l' :o;h~\tl \)Ce\'~, ~IMlli~h, M'lJ use.lht Prorel'l.)i ~ Bo~f't\ prinoltlil\ T~hllmW w\l.hln sh,\y lmy:; tiner the c:cet;ulillll HI' Ihis S(,'curil.Y Inlltnlmcnt lJnd _shall Cl.'Illlintlc 10 OCC.'l:l,flY .{hc._ p.roJ'lcrt)l il~ "Borrower's prilldpuJ r..:...iclc.:nl.'C Jill' ,If f":liSl ,.,\..: yellr (\ft~ Ih..: dale (\t'C"."llPIlIl~)'. unl(!$,\/; Lender ollJerWi:'lC: tl8recs in writing. wlli<:h CQtI$Ct\1 t>lmll IlCII he llJlr~~lli<lllmhl,. wilhJldd, III' unless o.:xlcl1IllIlin!; cil'(.'um:<<llncc:.'Ic.xi:-1 which UN. hc.Yflml B(lrmwcr.'" conlrol. Born-lwcr ti!l,dl.lllll d~:-II'lI)" d:lI1111J.!\~ \lr illlp:lir Ih..: l'flI11f.:rIY.llIlIlW thc I'rllJ'!l:rlY III tlcterinmh.::,. nr f.:(Jlllml[ WlIS(C on lhe Prollcrly. Bllrl'l,'w"w shall hI,.' lUllvl'LUlll if 11l1Y furfeil\l~l,lllClhlll ur l'I'uCcc~lln!l. whclher',civil or, crinlinul, ill hegun IIUlt in '..cnd~'s gll.,eI raidl jlldgllll'lJl l'''llld I'l\'l1Il1 ;n r~"rrdhln: or Ihl' I)rnp.:.',rl)' or olh..:rwi:IC '111l11erinlly i,Il\Il:,ir lho;: Iicn I:)'l.::llc.d hy Ihill S":I:\II'ily 1I1:-;t\"\ll\\~I\l 'If L..:\\d..:r':; S\.'\:\lri\y i\\t\:.rc'~\. (~""'I"l''',''~r mu)' I:l\~ $\\\:\\ u t~r~l\lh m'itl reins\tl\c; M flwvl\lcU ill 11l\(ngl~lph IN, hy 1.::lIlsin~ Ihe nctioll (II' procccdinn 1.(1 he- di.'(lIIis:4Cd .w1lh..1 ruling.thal, ill ,Lcntlcr'tl 'ill',d flliLh dvletlllilllllillll, pl\:dlld~:s j,ll'l~i!llrc 111' Ihc !3l1rT!l\y..:r';: :nlurc::1 in Ihu r'I'l.l['lI.:rtY:Ilr,nlhur ll\~ltc.:rjul hnl\uinlltllllllf lhe liell o.'n:ul.:t1 hy ll1i:: ,q~ll'l1ri,..,.IIl...ll1l1l1..:nl'lrJ..clldor'::NtlCnrjl)' il1illn.'l'iI. BIlrrnw~rJih~!J..:~I",~Fll:..hi Ui:liudl ij'. Barm,ul.::r; dl1rillg Ihe lmlll tl]lJlJi~ulillll l'f\lo,;~, guvc lll11h:rilllJy [illM: (IT inlt~ll"oJtll inlonn.:lfioll or '::htlcm~'lil;s 10.Lvlldcr {or ruilcd W (lrtlyjdll Lender \vilh illIY Innlurllll illl"urllllllinn) III CIlMccljon wilh Ihl.llmUl c\1ftlenoW by Ihe:Nolc. ill'lllldlllg; hlllllOllil11iled lfl. n:111'1..."'iI.::nllllilln.'olI:"Il~millg Biltnlwct':o necllp.lf1cy n(lncPr'\f1l:tly llX~1 prin<cii'UJ ~id~i~~c.II'fhis SccnrilY ,llIslnllll":lll is 111\ U Icwwh..ltl. Burl\IWI'r l'lhoUl,,'llnll'ly wilhall Uw l'fIlVi-,'4intlll,IC lh<:ll.~...lf 1:l:(~,!"I~~Ul:tt\lil't.:.'4ll.:t.: 'ide,ln,'t!\\':-PrH\lI.:rty, lhulc:l.'t"llhrlJdUlltllhl' f~:c lit!l'",h:'IJlllllllllcrltO\lnlCN.'ll.i;ndurnglllt.=( lcllhe ,"urger 10 W"lll.l~, 7, l'rlllecliol\ Ilf I..CJl(le"'~ 1~lghtR in Ihe! Prllperty. If t;flll'tl\VCr lilil.'i W rcrl\'lrtn Ihu CllVvn:Jlllli und U1,!h,:CllldU,,< I.:onlllinetl ill lhis N't:<':llrll)' 11l1\lrlllllenl, 'lr In!;,':!\.' isu l1::gal pt'~iing Jhlll may sisnilicallLly ,.fl'eel [..I.:ndllf's rigl1lN hI lhe PI'{l(lCrIY (~llch :lli:'1 pnll....'<:dillg in hUllknlj'lley, phlhul~ li\rclIndel11naliun IIr rnrl~l1l1rc Of IOqllqr.:..'l\ IU"hi"llr'rcglllmi(llllil. \l\\:\\ L"11d.:.r \\\\ty ~l\\ \Ultllll-lY 1"m wlw.\Cvcr it' ~fY lu ptl.\Icut thu val\lC- n\' ll~ Propefly, :.\\'\d l.A:.nt\Qor'~ fiahl~ ill lilt:. Pl'Clperly. Lendcr':,! Itelions l1\ny include !'J1l~hg .oil)' llums secured hy ".lien which ha.<o priority over Ihis Scc'"\ltily IIL>;lrullh:lll.llllPl.'l.lrilll; in courl. flaying rc.'\SCInablcaltonlcys' fees IUld cnll:ring on lhe'Pro{lerty 1'0 make rcpnin:;, Allhnllgl1 Lr.:tIlJ..:rIl1IlY lukclIclilm I1tltll.::r(hill)\llm~t8f1h 7.l.et.~nolhavclod(l,1lO. . AllY <UllI1UI'hl l/illbur::r.:d hy Lender under lhis pll"o'Igrapb 7:slllll1 become ~illon,I!"debt orBona~c, JIeOurcd hy Ihis SC'C1.\ril)' 11'I~ln]1\'lCll\, Unl~ Bnrrowct Ilm\ tA:ndcr ngrc:c In nl\1bT lC1'lTl~ ~ pnyTJ'II::ill1, Ihcsc amn~mls ~llll11'bcnr inlcrc.>;t rmln Ihc {lulu ~lf di:-hulN1:1TlCllt :lllhc:: NIlle ralcn,ful.llhull m, r'dyahlc, \IIilh inJI:.'l'C$t, lIJ'1C'IM nUI'lcu. rrt'lm 1..cndCt,ll'l Bn/'TflWl:t rr.:l.\w."!:UI\~ jm)'t\I\:ltL , ,_' " , . S, M/ll'l~ni:C!' Jlli'lllr:'llICC, If I..4:mlcr required InllJ'I~lIe:c inStffiU1ee n.>; II c"ntlillul1 ur:lJlllking Ih~ hl:ln oc.:etlr..:d hy lhb: SCC:\lrhy [J\::II~IIlII'tlt. l:Jl'rrll\V\,t.'4hllll puy Ihe l'NmiuOlli rt.'qllln.'l.llo lIl11lnlttlnlhc mnrl,gtlg~ 1n.'4l1l"..neuin ef(ect, lr, li'lruny 1'1.:1\"'''Il, \Iu: ImH\:p/o(c 11lSlI"lllCe 1111Vcr;18~ rctluircd hy 1.I.'T\(]cr 11I1l,S'~ or eClVk:lllCl he ill cJ'fei:t. Borrtlwcrshall"f1uy Ihe [lr<l.mil1lll.'4 n:tll1ir~d 'Il~ llhhlinl."1Ylltilge ~\Illlllaml;lll)' t:l.luiv-llltllll rn lh~ lm~rlSD8e iM~llM\nce f'll'Cvinu~l)' ill cl'fOd, IlL ll. C('I$I ~\\\'l;';Ill.I\I\lln)' ....Ll\\i\'nl"'''' In Ihl: 1.'l.'l!:1 In BtmmVCT !If Iho \1mT\p.1ls'c irn;urMce previU\l~l;y in l:orrl.lcl, rrom :m flllcma\c morlgilge in::m~r ilpp,......l.'tl hy 1~.:ll1lur. If ~l\hslDruiul1y C'lllivlllenl lIlClrlSllge im.,rruncc (;DVcr.l8e is ,nOl available, 61)rlllw..:r :-;b!l ll:\y III I ....lJdet I.'ileh Illllnlh u .slim el\tt:d II) IIlle-lwel nll 1)( lh\:." Yl.llUly lllOrlgugtl il\~ur.lnc.:e premium hcing ruh.J hy BlU'tIIIWI' wllelllhv IllsUltlnt.'l\ CIJVUn\SC kll')S~,1 Ill' l..'''''llcU 1'1 hu ill en!.:ut. L"llldur will BJlCel"l, lIS\.: Ilml'tt:tuil1lhC,"i~ l~tlYll\";IIl~ .~... ;1 h".,:s )'\:~~rvc ill liell III' t1ltlt'lgllg.: ill::l1rllOc<:, L,ll"::: reserve p.lymcnrs mllY nIl klllgcr he rl:l.)lIi/\ld. lLJ..EalD~E O~IG!N"'L iiiD11262 PA,GE 940 i,'FCll'!Tl_3D3~O b,i(~~fl ' 02.1g~ ~.GFlIP.41 1~1l"" CD3fl t)GI 111gS P",,"~.I~ -, :41\ PM ~ ., "',,_. A_''-. -. ..,.,".':C,',".'"_:,.';;' .,__.:......~.,..:i:."._" _. PQ9/IS . . . " -""""'~ "..~.,-.=~"""""" ~~~~ n ~~-29-99 13:24 PREMIER ABSTRACT 10=7172433399 PIG/IS ~ w . :lllhcoplillll "I' L~'lhl.:r, i(llll'I'I~<lg~: iJ\:>1Jr.Ulll~ CtlVl.:rugu (Ill Ihl.:,llll"I\lIlllIIll.l fur the 1~I.lI'i.l(llh;lll.,mdur rllC-j\litl.os) jll'll...id<;d by .Ill hl~'lf\!r :11'1l11 w~:ll hy L":llth:r :It.:ujJ1 ht;l:llmc.~ uVlIrlllhll.: :md i~ nhll1il1cd, BVrT{lWIl:T shull ~1l" lhC-I~l'I:llli\lllls l'OI.jui n.:d Itl Illllinhliu fl1l'rl!,;lg~' in~lItllilcc in d1'Il:l:I, I't h,lpnwitw II hlll~ I\:rwrVi:. ullli11h~ Tl....,uil'\lltll.lnlli.lr lI\~ll'll,l:lr::U iusllr;1I11.l1.l \OluL.. in w.Jl.:t1rJ'lll<':l: willi :ill)' ~Vrill\;ll U~I\'..:m~'l1l hclwcl:1l E'hlj\'llWlJr amll..lo~llclcr C1ral~[lJicllhlc hlW. 9, hl"s'P~U,~'fl. \ ,~m.\":f \'r lIs \\)}.>.:n\ m:ly l't\ukT\.'U*,'lmj't~ ~I'lj"~", \Il'"m ~,I\t\ itn\poeli,\\'r:\ II-\' Ill..: ~mrI;Tl'j. \..1.'lllll.'1 ;0;1...,\1 give 8ml'llwc-r !lI'lic1Jlllll1\< lilll'~ 1ll'IIr)'lrillt Inllll illltl'M:Clinll$I'l.lCifyi"~ n:az;nlluhlu ~1I1l'C Illf Ihe illN(K:\lli"ll, 10, Cllndc:mna!illll, The pn'lCl.Ul:\ 1lfllny nWllftl' Ill' drihn 1'01" clulllll~. ~]illWt, 11t C';Il\lllXIU~IlLUII, illl.'''I11IL'Cli11l1 willi ~Ill)' e:Mllull11lillillll nr Illh~'r lllklllg (If llny purll)r lhl: l'rnpcH)', _(lr,f~'r tll)l1V,eY"lIw illlictllll' r.:nmlcmnuliill1. ill'\.' IWI\'hy "N...igJ'c(IIUlII~hllll hl.l ]lllltll'l i..l.:Hl!.Jr, ' . , _ ' 11\ t\\u uVul\\ 111':.1. lullll t\.\kit1~ of ttv: l'l'OfIOtly,llw ru:lW.~ _llholl oo.llpplit:U Iu II\C::'lNI\\llt ~'QCl\I~1 hy lllis Scullri()' ]nslrllln\llll. whC:lhor l.r 1111\ lhen ellle. wilh 11ft)' ej(I.'\lAA raid 1(1 Bnrtnwcr, In the: cveiil or:, p:u1inlluldug: <lflhc r~n'p~~rl)' ill whil.lh 11m r...iJo 1lI:lr"c:1 vu]utll,f lhe l'wpcny inlUlwiulcly btlrorl: thl: l"killG ill ~lInllt1 or gf\."Ulcr l/1I1ll11lCUI\I~11I111I1r thl; SUtnN ~ur\ld hy Ihi'!: SCl..'Urily hllllM.lml..>fIt immQtlit'lle.\y 'odftl11: the taking, unlCSli Botrtlwer and L.enuer Clthcrwisc ugrec ill writing, lhl; SUIII:> s':1Jl1rctl hy Ihi$ Sce\lrily Instnllllcn[ shall !lc I't:dUClXl hy Ih1J ml10unr cd'lho flmcuct!s Ihllllil~l!c:tl hy (he r"..lll()wing fl1l1:li.'I1: (nl lhu flllulllllllltlIll11r'lhesu1I1$l"CCuNtl ill1ll1eUialely heron; the IlIkins. cJividCtI hy (h) lhe Joir nmrl.:cf vlIluc "r Ihe ['mper/y illlllllll.li<llcly hcfofl; the U1king, Any bninnce shllll. be paid lO Borrower, IlIlhe uvenlor t\ I)tlrlill! lllking II!' Ihe Prllpl.:rf)' ill which lhe '~Iir markel vuluc of lhl,: Pmpcrly immcdinlcly heron: the lilkillJ;! is 11.-:;... lIWll Ill\; 1,IlIhIU\\\ \'\' t\\<l. ~\I\\:-< K\.\c:\II"o:l.I immud(\.\~u1y hcl'o~ 11\1,l. \~killg, ~",\lJ.S$, atlfrow~r tmd V:.ndel' ulhet'Hi~ i.\jl.\'>;C: in writing m 1I1lJ~ ul'l'licuhl,f,j;IW lllhcrw;~1,\ I'rn\lidllS, Ihc I'lm\lC(l.(I:;; ~h"" no l!"I'lIl~J In Ih... :lllm.s :l\lCLlflld by Ilti:~ S(,.'4;uri[y Ill:olnlllll.:ul wh\llhetllt l1('llhl,;~llml'larc t1l\l1l dm:, If the PTI'I'lUtl)' is lIt"l1l,ll\Jl..u.l hy BIIMIWC1l'. lit if. nftor l:nlicl.l hy Lemler W Borrow...., IhUllllC \lOmlelllll\lr ,Irrers I,l lml"": ~ll :lw:lRII'l':otclll~'11 chlilll fllr\lnl1lll~c.\4. 8t'rR,wcr r:liltt I~l r~f"'mJ l(l WIlder wilhill30 dll)lSOI!'lur 1]led:llu 111<lIIUlicl,l iN SiVUl\, l.cuucr il'ltlllllulri:r~d tll 1.,,11.:<:1 ~nd lI{1ply Ilw !)mce\XIl'l.ulllllllI{lliOll,c.:ilher 10 1'C..'I1.lr!.1liollllf rll\1;lir !,((he f'fll\lI.:rIY l'I'I~llhuStllll~s~'CIlI'C11 II}' Ihi~ :h:cul"ily tlll'llrumcnt. whL:lhct Uflllllllwll tlll~ UIl[..:l'I.'l ]..ulldl.:r amI n'llTtl\wrlllherwil'lCflgrCt.: In wrilillj;l, allY 1.l1'rlicnliulIc,( pl'(ltlCud!l [\1 f'Jri1l~irJ:\1 :;1\<lI1l\llll.:llll'llll"r P,l,..lp.lIlu lhc IJlIl.llhlll~ tlr Ib\llllulIlhly f".IYlnl:n1s ;crl:~llc, in }'lanl{1J'Urh:> I Qnd ~ tit dlt,n~Ullhll: OlmCllllll tlf !ll.ldl f"uymclll~, 11, Ihl1'I'm"lW Nul RC'~IISt:dj Ffll'lularl:lIlce Uy l.outlel' !"JIll :1 Wnlvei', Blllr.::ll...illll ul' lh.: lime fll1" paymellf I'f Jml~IlI'jI.'tlliHl1llr' :llllorri"~I[illtll>r (he ~Ullll'l ~curctl fly lhis Sccurily 1ll.';trullI\lll[ gl'Ullh:U hy Lund..:r lu tLll)' SIICl,;n:SlIr ill inlcrc:;l .11' Blltl~lw~'rshJlII nlll "11\JTnl\llu rch:usclhc liuhilily ol"lh\lllri!limtl Burrllwl,l/, lit B(lrtl.!Wcr'SSlIcc~"'''I's in ;lll~!rL'...I. l,.cmlcr ~hU!l11(11 h.,; /'.'tluirc-d hICIIIllIllCll'-'l.\ prllL'\:\ldltlgs 'l.~i\illll:l .iIIY SllCL"-~lr ill inJureSI elr J'..:l'lI.oIl' hi ,,'/1.11.'11<1 IllllL' r"r rm)'mu1l1 llr \>\h~1"Wls": 1lI1'1\\Hy \\\l\\\rll'#\\il\1l Ill' 1\1<.:, ~M\\~ ~~1;~lf...d \'Y \hi~ ~c\Ul\)' lI\l'iln\m~1\\ lly r<Ji.l'llI\1 "I' ;my 11~',lll;'t\\! llImtu by Ih\lllrigll1t11 811rr,'\V\lT IIr Butll'Wer'll :'ltlCX~"'In; ill inlurCtlI. Any ftlrhC:llruul:c; l1y l..clll!l,lr ill cxctcisillll allY ri~lil M relllCt.lYl'lhullllllll~ n wlIiv\'!f llr.'r)'ll'l.:dudc l!l\lexcmillcnl'm\y rishl urn:luooY, 12, SUCC:f:8,qUI'~ :md Assigns lJcmlld; ,Joint l\nd St:Yel'l\) Li;lbilily, Co.sliPlel'S. Tltl,)' I:(lV~lIUll:> amlll~r"'-lllll.'lll:O: II] lhi::: SCl.1urity 1J1~II'tllllr.:llI IOhll!l hind nnd hcnclit lhu }.'UCCt:,~l'l1 11t1d 'i\.'iSigns (,r Lender ul1" Bor('(I\Y\lt, :'Ilhj\lCI h, lh\) pl"tlvishms <If )'IlIfllgml)h 17, (3(ltl'(lwer':l C:l.lVdUlnlll UJldagl'Cl,:lllt,.'JlI~ ~hllll he jO.bll ilnd sf,,\vl;l".ll. AilY l3utr~lwl:l' wlhl cl,-~igl\,-; this SCI,:IIrjlY IJI:>lnllllcnl hili tlucs nlll.::tt:Cut~ tlw Note: (n) jltL'O..:signing Ih~ SC(:urity h'l.illUl)u.:nt lJIIly lu mur1S:\lgC, ;rulIl mid COIlI/\l)' 1[lllt Bllrl'llWur'M illlUNlI hi the Properly llmler Ihe lcl'l'llS uf [his Sc(,.'urily '1\$tril1T$!I'I~ 'h) ilt nell flCl'StTlllllly ilhlignll..'1.llul"1Ylhc i'lllll1S ~cllt\lll hy Ihis SCt:1.Irity lmUnltnt:lfll. Dnd (c) agree...; lon\' lAntler Pllllony olher S,ITI'$WCf llWY llgnlu IllUX1\llld, mo(lify, rmhelltl,r m:lkc :my :WCl1!ntf\11lIillion... ~ith l'Csord 10 lhc t,cnn.'t ot'lhis StKluri()' [ulllrUlllcnlllr lh\l NUll: wilhllUt Ihul Eillfr!lwef'I'CllJJlk:lnl. 13. Lmlll Cllllrj(C~, If lh..: hUl .llI,:CIU't.'1..I hy Ihis ~cCl1tily hUltftlmClll i:; I'ilihjC(:1 in II Jaw wl1idlllCIl'lIl\..1.lilllllllJ IUllU cllilr~c-s, illltllhnl 1:1W il' nn:llly illh.lrflrClcd SOllllll the jnl...~1 (lr Illhcr lonn charge..; c.:ollcC:!\ld C1T hl hc c111lcclctl ill l,':L)lllu:c.1iul1 whll Ihc h)flll e~I,"l:c~1 \hl,,' ~fmlUc:.d limilJ'. them: (1\) an'll\'\Joh loon chnrgo shan he redl\coo hy the :mlrl\llll IIl.lCc:o:.'Wty k, 1...:dIIL~ lhe cllllr~e lu the l~tillil1....d Iilnil; ttnd (b) any., sluns,.I,n:adY,cOlliCtllc::il (roln BorroWl.ll' whi\lh Ull:\lCUUUU pl.llmltt..:d timh$ will he I'\lrulllblw 911rrowcr, Lt::ndct 111!1Y t1h~ to make [hj~ refund by I'tlducing the jlfin\lip:11 uWCf,1 lmt.lcr the Nllll,,' Ilr hy lIlukin,g u dil'Cclpuynu:n1 to_ etlrnlw~r. Ifn rctuml reduces princil~al, tbe reduction will he In:ulcd ;I~.., p'lrt;:\l pl\:]'II'YIllUlll WilhlllU Ull)' rr":pl1Yl11cnt t:hurgc 1lI1t.lerlh..:.N11lC. ' 14, Nnliet$. A\IY MIle.: 1IlI:l,\.lrr<>w~r fI"lvidcd rllt Il'l thi:\ Sw\\n\y 1~\nl\l'\Cll\ :.1'1'.\1\ \~ ~i'lell 'iY'f d...li"'\lfil\~ II \If hy lI1uHiuj,; if 11)' /irsr dux.. l1millllll~<::i appliLtl1blc Jaw AA]uire.s: \L'iC ~lr ;Jllll[hcr 11ll.1lhlJt.\, Thu'IIUlie..: ;ih~,l! be din.1elcd h, Ill': r'>ruflL:rl)' Addrl.l.'l" llt ~IIlY IlllM addn),...'! Bnrrnwcr Jt:..;igll;:llQ:; hy lIulico ILl l.t..."dur. An)' nulil."Clu l.~l\Ih:r shull he giv\ltl Il)' r'irst clnll/ollmlill.. l.~llller'" udtll'l.\.~" sl:,lt:d he~ll (It :lI1Y nlht:r l1ddrcss Lender ~le....;glltllUS' h)' INllict: lu Blll'rower, Any 1l11lj\lc prllviul.1d 1'111' il1lhi:o: ",,:clIl'iry h'l.'!lnlll1l.1111 S:lul! It:: dl.:t;l\I.:d III h:lVC hul.lrl !:iven III 6mr.\wcr ~'r L...'11tll.:r whun (l;"'~'ll ,IS 1,mviu\,1I.1 ill 11I1l't \\'lr~\~t'I\f\h. IS. GCl...r;:l'nlll~ L:I11'j Sevcl'11hilll;)', TIli$ SCl:ul'il}' 111~lrllhlcllf :>lmll [1\,.' ,!,1:owmud hy ft:t!ul',lllnw ulld llw 1mI' .11' III.' jLlrir-;diclil'l1 ill whi<.:h Ill.: Properly ir-; tlllml\lJ,ln the .......""1 I1ml :Iny rmwbdqll nl't:hlll:-,'c \lflhi:> S~Cllril)' Im,lnuJlI.:lIl"r n'L' NIUu Clll1l1j\ll~ willI tlllpJi~,.,bJ..: l"w, :mcll L'>ln1)jcl l'hull lUll iln".1l:ll11!1c-1' l)nlVi,!:inll~'lr Ibis Socllril)' In::lnIl11<.:111 <If Ilt" N,'I.' which t:IUl he glvcn.:rrcC:1 withuutlhc \llllll1leling flmvil'li,.ln, 'rn lhit::tlutl Ihul,rovlsioIlSl..lrlhis $l;t,:tltil)' In,"<lIl'lUlll,l1l1 ;lIH.J 1)11': N()[ctl!"C duc-lm'l.'lllcl \'lcS\lvel...,ble, . IU.EGiOL. OlllGIN"\. ron!1262 mE 941 3,44 PM J ,."."'~~" ,... I>I>I",":~" 021809 B . ~.eRlr^I.."I'I'l!"1 CDS? ~. 05/11/95 ""0.1.10 ~ ~~_~a_aa 1~'~C nn~UJ~n ADe~nA~~ ~3-29-9G 13:25 PREMIER ABSTRACT ID"7172433398 '. ,~~ ItI.If'lI"l"lI"'\'I".~ Clljly.l.:h'fJ'lII\'\'I':-;111l11 rll,:GIWlltlll~c.;tlllr'lI"l1lcd Cllpy l,rl!llJ NUhlillUJ nl'lhisS..:r.:l11'il)' InSlnllllCll1. 11. Trllll$lrCl' uflll~ 11ntfle1"ty (Ir:1IJellelkJ~UUh:rcst in UUI'l'flwet',IJ'ulJ Hr.llny pml urlhe Pn.'llctIY~1l1Y illll,:rL:..'il ill ills<'Illld "rrrml,..r"TI'~'d (llf il'u h\lndi(,:htllnlcr~'iI in nllrNJWct isll.llill or trllll.~tbtr1,."t1 und BnrrClwcr is lI11III'!ijllllr(I' rcr.s..n) wi!h"llll.cll.h;t'.'i Ilrillr wrlllcll c.;Otl.'iI.'1I1, 1..l:11dcr lttUy,ll! its "111;1111. rc~llIjn: inllll1,;l.lillh.: IlaYlnelll in rllll fir (Ill l'illllls sccllr,,:d hy fhi:. SC<JLII'ily Illsll'IUIlCIl!. J.lmv\ivl.1r, lhill "'PlillllllhOlli llllll~: ~:)i\\n.:i~"l~1 l1y I,ender ircx..:rcisc is j)lllhihilcd J"" l"cd.,r,d Il,W liS l'lrlh....d:lf~. ul'lhl,'l Sccmily 1l1NlnllllcllI. , If I,Cl1d~,t ~':h't.:i~"N IIIis "l'lll"" I.~ll(r"'r Shllll1l.i\lCo l;Jll11'IIVet IlI11kl,; Ill' Lll:L'\:lctillillll, '111l~ II'lfic.:e sl,:lll pt,wid..: B l'~'rj'>ll I1r1l1111~~",-: limn ,10 d;l'ys fTl1l1l 1111.1 d;ll~~ !hlJ Il.llil:1.1 is d~liv\'!'l:li I'r 1Il:1il~'d wilhill whil:h BnrmWI.1I' 11Hl-:1 fl.1Y all "1m),>: ~~'cllt",1 11Y lhi:-: ,'i'~o.:llril'y JnSlrlllll~'lll. If Ulltlmvl.1r fail~ lu p'l)lfho..'S~:lUlm; prinr III the CXpit'<iliull or !lli:-: flerilld, 1....~Il(lcr lllay Ill\l,'J,,, ~)I1Y rCllli:lli~~... f)L'11t:illl.1dhy Ihi~SC~llrily Illslrumcl1l WilhlnlllilTlhl,ltIUlli'::l,)I'Irc!Cllwml 1111 (t,lrl'l)WCt. IS. Um'l'tlWt'r'): Rlllhllo ~OIIl~I:J1c" II' BfJtnlWlolt rnt:t:l~ ct.:rl~\il1 L'lllcliliuIlS. Blln~lwl.\r shall h:IV" II III righl h' Jwv,- ~.llrorCI.'mCIlI llflhi.... ~h:c:nril,. Ill.~II'lIlnerlf tliSl.""lillUo.:tl111 ~'I1Y IlulI: pti.lr h. Ihe C:lrliern/': (II) .~ (J:IY:; (urNlIeh lillieI' )wri,,,I..., "1)j1lkuhl", l;l\v lllllY :'pl.1t.:lfy fur l'l,:illlillllulll\:Ill) hcl'lIN /'Itlleuf lhe JlmpcrlY J,urmlltn{ Inuny !'loWer 1ll'SHlc eOl1lidlll.\d illlJd:; Security In:olll'fllll\:lll; Ill' (Il) enl/}' (II' ll.iutlglnCIltenfnh:illjl lhlrl Sccurity IIlSIl'Ull1tml, Tfmsc CllllditlllllS:m: IhOlI, &rrowcr: (~I) pl\~ LeudCI' nil Slllll,-: which thl:J\ wl)ulu I~ title l.'iIl1;r thl" Sl:t.:urit)' Illstnlmenl untltllc NOlc ,~ If I1I'l \lecclertlwm hud I'cc\lm.:d: (h) l.:l\I'~":I ;U1Y cll,!rulllt or 1lI1Y f"her C1)VCllilnls nr ,lgrcgmcnls: (e) l~lYN 1111 <llC!l<.ll1sll.'l inC:Urtctl in \;.Ill'nrcill,Q thi:-; S~'l.:l1rily 111:'I1l11l11\'I,I, il1l:lu.ril1~, Imlllnl Jlmilotll(l. r,:,'snnalhlc ullunLcys' 'i..~..: t11ld (d) 11Ike... slll:h \11I11011 <is LClld..r lImy l'\;;lsllm,hly 1\:t.lllil\~ IfI.L'l.-:urr,: lhlll IIle lien oj' lhls ,~cC:llrily IllSh'lInlcnl. Lel1t1er's righls ill rile Ptn~rlY lIT1d Hnrnlwel"s \!hli!;:Ili'dl 10, I'll)' lIlt. :<lllll,'( SI.1,;IIrcd hy Ihls .~ccllrh)' 1ll:o;l<lllllcnr sl1all conJilll1C tUlc:lmlll,lcd. IJpnn rcinSr,llcl\1l,1UI l1y UllnllwO:I" lids S~'cllril)' frL'lltllltllolnt ilfullll.:: 1,1>!iglllimll> SUt:uNd hl:rl:by shi\lt tclnuin flllly c!1c"llvL\ :L-: if nlllll.lCcl<.:tatlol1 1\,,11 LI\:cllrrcll, I-lIlw\:V\~r,lhi~ tl!,:hl 11lrdI1,'lJl1lc:ihnlJ I1Clttl11llly .1/1 Jhc cnl>l,10fm:cc!cl";.lli<!n umJct pumgr,lph 17. J9. S:IIr. of Nllh~i Ch:llIl,!c of Ln:lll SC!I'vi.:.er. TIll: NOI~ utll lUIl'Iinllnrcrl!.'lt in Ihe Nllle (Itluuthcr wilh rJli:-; S..:curily I!lSlrullll.:lll) Ill"y he 1\<I1,II1HtJ ,Ir 1Il1\tlJ liml::' whhoul prinr tlfllit:c III Bnrrnwcr. A l'Illl.llnny rc.~uh In n clmngc inlht.: Clllily .(klllllVll :1,..lh~' "J~L'llll Snlilccr") lhlll cllIloc/:o; Ilwllthly pU)'Ulellt:; tlue ullder rhe Nule tlUt! Hri~ Suclll'ily 1111'1lrlllllenl. 'nICn,: "Isll limy he OIIC "r 1l111t\1 chl1l1),!l;:l'l uf thl) Lnall Scrvicor \It1ruluIL"l.1 In,, SHill c)j' Ihe NlIh:. If' Ihcl't: i~ u Ch:Ult;:C !If 1111.\ I".,'tln SL\rvic....r.l~I'I.r"w'.r will he givl.:11 wrillt:n 1l(llk'CII!'lhc dlt1Mg~! in aCI.mrd:mcc with fllll"<ig:nlph 14llh,wc tlll,1 tll'plicilhle IllW, 'n]1oI Ihllic.:l' will ,..11111' tJl~' IlHll1l: mill mldrl,1S/ol clflhe n\lW !..I111ll S~'I'\'il;'\:t llfUr Ille:lllfITl.'l'l." In whii:11 Il"YlllL'nlsslrllllld I~l,: made. 'nl\; iUlliw will :11."" c"ll1lilillllll)' "llwr illliltllllllil'll r~'t]llir~'\II'y.lllrli<':Hhlc 1:,w, 2U, UH:r.:lI'dtlll.~Slllu:l:lUCl:S, Onrr<,wloIl'sIJ:lll n,,! cmL-:I.\'lj' !J,:I'lllillht.: IWc~cllc...., IISC"displ~"al,l\lorll1\o.:, (lrl'\lle:l~ L'fllll)' l'I.I:r~ltdllllS Sllhslmll;~'S L'I' ,It il1lhc I'l'llpcmy, Bornlw\;I'shi,1l rllll c/O,lll.r nl1nw t1IlYIlIU.:cll'lc rll dn,l1tlYlhil1~ 1111i.lClil1!: Ill..: PI'PI'll..'I'ly Ill;,' is ill \'1,,1:\li"lI "rl1!1~ Hnvirnlll~l"'I'll,1 I ,I:"'. 'I'h\' )lh:c~'dilll! I",.. SCIII~'IIt.:~'lolNh:11l lint "I,ply III filL' fl1'l....;clln:.ll...\', \II" Nltlrl'I,l" "llllh' 1'1"111"")"1,1' "/'sl'I'l11 i1HlIlUilit:,-: lIf 1'!:I;Wl,llI'll' ";\Jh:<IJ"'I'~'S Ilml UTI' 1,\l'II\ll'lll/y l'\'l'lI~lli~~:d III h..: apllrl!pri:II<' I" Il<HlI1111 l'\>:<i,Il.'IUi:,! 'li'\l:.-:m"II'I nll1inu:m1l11l\;~\:'IIIc,l'rlll'<Jtly. 13nn"w.:r ,..!lalt I'r'lIl\plly /,live J.,cnd~:r Wrillell lltllit'u eli'tlny hlVu.-:Jig;rlillll, ellljm, dcnml1d. h'WoSuil "r l>lho.:r :'(:111'11 hy l'IIY g.'lVt:I'lllllcl1Url "r 1','Ct"I:Ulll')' 3!;elil:y ,)r flrl.,.lIllol t>;Il'l'y lllvnlvlJll! lhe p1'(IJ'lCtty <<lit! any Hlll'~ml'llL" SIIrn.lmll.'C "I" 13nvirlllllllcl1lal Luw I,r which Bllmlw.:r h~ aCIUill knllWIc:t:J.tI;:; if Borrnwer lCilQl.... ()r it> notiljet! hy llllY guvlolnullellllll "I' J'\:.Il111ulnty m1l11l1rily, lhlll ;Illy I\.Imnvuf nr nll:~r 1'c111l::t1ialiou llr .1I1y HlI':',IIrcIClUS Suh:;.lllllCC 1I11l:i:ling Ihe 11rllj1Crly i~ ncc,,'S$ilry, BlltrrIWcr~h,,11 fll'l'lllPll)' ltll>l.1l1ll n~~lry 1'''111Clliul tl~II~IOli in llC:t:urdtlllce Wilh EllVil'Ol1ll1lo\lllilJ Law, As. liNed in lhis 1'J<lrllgTill"h 20, "HlIZUrdOU.'lSUhsJllllctlS" ilre (/lQ.\icsubstl1nccsdennt=U us tuxic f)t htlltUrtlll1l5SullHlunccs hy Envjnlll1l1t.:11ltlr LtlW (Inti lhu rnl!nwin8 su!lstanCC,ll: j;lI"o;oli/lc, kt:1'Wiiene. other J10mlrurhlctlf Lo",i~ petroleum I\rndlrel~. ltlxjc rl.'I\licide.'l :111(1 herbicide:o;, vnlutile ~olvenls. ll1U1l.!rjuls ;crnlainlng tIIlhC$t(lS or fmlnaldchydc. tlnu nl,l1mlclivt:: 11wlcri"Is., ,\:-: lL..l.:t! illlhis purll~I~Iph 20. "Envirunmcnllll Ll.lw" !ncan." lederol Jaws lIncllaw$of the.juti$tliclioll whl,)rc lhe Iltlll)CrlY is!l'~'lIlcd 111:11 rcl:lIc h1!ltlllllll.J;o1I'clY tlrenviml1ntcIllll1 prolcelilln, NON.UNlrORM COVENANTS. Bnm\wctllntll..l:nder fllTlhert'lIVl,}Jlllnl :lIld:lgrcu<L." fnrlows: 2.1. t~~.l;dcl'all"l1; Rc:madie,," Lender sllDII c:ive ".l\ti&;e: lo DOtl"Clwer pl'iol' 10 tlceehwl1lion fuU(lwing llon'owl::"'~ hl'e:lcll jlf allY cI"'c:nUlItllt" :lgl'ceme;llt il1lhis Sce:nrHy Jltilrl1lUent (but not prlnr to qee:elel''ntloll undeJ'pamgl'nph t 7 llU Ius!! :lJllllicllhtt'! hl\l' t1TUvlrlo!! OU1Cl~'1iso)" Lendll!" sllnlluotil';y liorrm'l1cl' of, :unollgoLlu;r tJllngs; (0) lbe defalllt; (h) the llelinll l'Clfllh"cd III CIII~ the de;funll; (c) when the dar:U1llIltUst be etll"tdj 11II.d Cd) thtlt f4I1\1l'e to CUI'I! the c1c:t'111l1l 11,$ Ill'ccificrl UIilY 1'e!!IJII. ill llc-c:c:)crnliolIUf ~hc St'Imr SlICll1'1ld by tbis'Sceurity 11l.!llMllnellt, rQl'Cclosunt by .iurlid:d 111'llccecJill}: :tlld ~arl~ flf l!i", Pl'll)lerly. Lellclel"shllU rlll.thv.r IUfu'111 DUl"I'tIWCt!' oftht: l"illhl tu ~insta,h:, atl.er ;lccc:ll:m(jlln illld III!'! t'i)!:hllu a.~,~cl'f Illlhcfnl"tcl(l~qurtll)l"tl.!'ecJitlgthQ 111'I1l'"CXistellCeo!:n defulIlt 1II'lll1yotbe:rdcfense IJf nOI'I'uwer f<l IICl'l~lcl'lllillll :\lId rm'oclNUl'Il. Jf the dc-fault it; Iml C:llI'Qd n~ specified, l..cndcI', :It its option, Ilt:'l}' l'ecJull'l: iUlIlleclilllC' !'llYllll.'l11 ill ftlll rrr 1111 SlIlilS seclil~.rl ,:~, fhlll SC'cntily 1Jl811"\1I1I1:1It without furtJu::I' cJCJI}lIIuJ unci IlIllJ' fl>l'cdmt~ lhill SCI'IlI'Uy hlSll'UIlUllll by Judiei:J lwm:t'cdilll.!' I.elldel' sll:lll be cutllleclll.l cCllJeclllJl ~peIlSl,1S IUCltl'l'llcJ ill pUI"~IIilll!;hc l'flIllCdlC!l pruvJelecl ill thig !.lIH':lI,:J'nph 21. inC:lndlnl,!,hut nl}llhnilcd lu, ullul'lleys' fee'llurl '~llstsllflilll!..."'idt'''<'1J In I Ill: l':.:fl'llt IWl'llli'lcd hYl\lll1Iit':lhl/;'I:J\\', 12, Rch~usl.'. IJI,.,r: jl;I)'lm!1l1 "J'at! lillll!~ SllCllI\:\1 fly lhi," Sc.:l,:lItily Ill:,lrllluCII', lll;s Sl.!curilY IIlSlfllmcnl ,tIlLJ 111,: I,:.-:IIU", cllllVl.!yo.:d slJ:\l1 Icrmimll.: m1d h~etmle Vllj(l. After s(lc,h t1I,.'t:lItrcn(lU, Lend!!r SIIllH di~r.:hurgl.\ lllltllillli:;(y lhjs S':'::lIriIY II1:'itl'lllll~~1I1 will"'1I1 dmrl!~ 10, Blltrnwct, Bru,rtlwer:;hl'lJI pay aTlyl't.~Cnt,lllljr!n ..'1.l."l[s. Iw:cmu: O~IGIrw. iiiOi1262 rACE 942 ~'liiFlrpA)lj"'51 CD5P 05/11/95 "~I" ',,"~ /O....303~O ). 1~llllll1: 0218 99 3;44 PM PI1/IS . . "H .J. ~^ ~_, 'c ..,;,.-,=-~ ~~-" " ',. ",.~,',",;...c.;-G,^" -," '''"', S3-?9-SS 13:26 PREMIER ABSTRACT ID=7112433399 P12/15 ., ,i,~ ;1 . 23. Wll!VCI'/;, 13url'l"lwcl'. In lhe extenl penniued hy lIpplical:le law, w~,iveS. al\u ~\SI$ Ul\>, ~ml' 01' ~k.rl.:cl:'. iI' ])tol.'CCdi1l8S III enlill'(~c lhis Sct:\ltity l/Vllrumcnl. und hcrcbt Wllives lhc bcncJ'i~ or 1l1I)' prv..<;cnl or fulure lUw:..PfMidillg for :<blY oj' CXl:culil'lll, c)l.len...;i"n nrlillll:, fJS.c.mplicm (n\ln aUllCll!nc"l. lev)' ancJ'snlc"and homc:.stcud CXclnptio'n. 24. ReIIlSl:llement Pl:riod. Borrow\lr', Lime to I'dIlll1:t1c.: pfovidcu in p;ll1lgraph 18 shall extend Lo ()llC h\Jur l'l'iur It! Ih~ C,lllllllCIICl.lIl\\;lI\ 'lr hidLlillg: ;11 ullh~rij'i'tl fo'alc.: 1)1' t1llu:r:.'1l111 \'lur::llll\nllu Ihis Securily Instrullwnl, 15. l~m'Chll~ Mtlncy MlIrtgnge. If ony nf the dcl'lt ~trred hy t1ikc:.$Mcurity Inslnllnc.:tll, is lell! 10 Btltrtlwl:l' IiI 11ct]uin: lillc Illlh~' l)nlpcl'ly,lhis.~I.'l.:llrjly Inslnnncnl ,.Jlolll~c \1 flUl'ChU~C'llitlllcy IllCltlgullc. 16, Illlcl'CS( Illlle AOur "Jlldf;l:IU"I~J. Burrower "gr!;:!.:... !hllllho imuJ'l:5t.tule paynble ~niu- II judSll1<.\!ll i~ l.llllcrcd t'llllte Nt1lc m hi UllllCli'lll 1lI'IO'lrllltlgc ]'uNdlll.lllll'CshDlI he rile ra{~ payahlc; fWm lime l(l time! llnder Ihe Nole. 27. RI(h~I'I: l., fhlll SC"lI..lly 11Illlj'lIIUtlol.lf 1111..: Ilrllllltll ridt:fl'lllI'U cXuCUlcd hy Bntn.lwcr llnd rcl:ul1.lcd l\lgo.:rhcr willt Uli".; St:c.;llrily 1ll.."llrUllll'I\I,lhc ellVcll\ml::i l\lld ugtcc:lm:nls 'lfr'-lIclt such rid.:rl;hull he illo;:Ql'pOfillc.:d int(l.md .:;hlllllLl\\CIld ;Ind I'lllpP]CIllCl1l Ihc <.~lV\~mIl11s Illlllllsrct:I1lClll:; ur Ihis S\~tJllrily In."llnnill.'fll n.'! if lhc'ridc.:r~"i) wr.:rc U pUI'1 Ill' (his Sr.:cutily h,slnuU",Ill, ICh..:",k ill'plic:lhlc h<,X(C;ol'] ~_ Ad,iII:;lilhh.: I{UI..- Rillt"r , (lrlllhml'fI.lI':lym"'"1l1 l{ider .I Blllllll'li~{itll.t _> V.A, Ridl'r ~ CllIld\lminilllll Ricler R 1.4 Pallllll)' Ril]l:t , PIlI!lIll.:d UlJi!l)cvc!nI1I1lelll Ridl.:t f:li\vcckly Pnymt:l1J I{hb "i Rule 1l1lpn\Vtlllllllll Rid",'r ..... St'l~lIltl HUlllr.: Ri(kl' . ..Olllllm'\11:Pl'dryl ' [:IV .'i!1i~JJ\;c; (IW.oW, 11"I'n)"'.:t 11t:Cl.:pl:; illllJ i1grccs III Ihe lcrms 1111d C'lYC11Unls COl1/:liucd IIlSlnll1l~'1ll ;\IId ill UIl)' rilr"rt.~l"')(~,(;ll'r.:il hy Durr~'wcr IIml rCI.:,II~Jcl] wilh ii, '11';"",,,, ,/ t.b)}~i..~r_&!:'.-1 .__~=,e~_ MA AA A. JENKI, S ill Ihi:- Sl'l.:lJ~iIY \~w"tl .\1","'1"",'1 I .s.:~ill lij]GIBCi((j~I"I!LA.1.:'" .I,\"r\'OI\"-[ IS,'all __.(So.;;tll .n.'n""~"r 1."1:'1."""" cCI'ljn(;;I{CI,l'lll',~irll,'JJcc ~ CINDV LEWIS lId\lr..::-;.'illl'lllnvilhill-Il'I!l\",'d Mlll'lgat:cc is p, 0, BOX ~.J050 COLUMB I A, ,du hl:reby cl:rlir'y 11l:'11 Ill" ';.'rl'~L'1 MARYLAND 21045-8050 WiIIW!<Slll~'l:nll>lll>is 1:2'rH dll:">!' MAV 199G ._L,:, n ( l '-rJ-' -C=:~\," C I NDV LEW I g A,~,'''I''I' Mnl'I_,,-,,:",.,. COMMONWl~AJ.:rn()Fl)ENNSYLVANlA, ~uph,() CUUlll.)' $.';: OlllIIIS.IIl\: 1;<'11 tL1Yo!' i11w)-- /11],':;- .hCr(ll'l:IIW,lhl:\IJubsigll\:ll "mC..:r, p~:I'l'l<"WJ1)' :q1Pl,:l.lWd f(JrHl(! II "'].1'4X;"5 r; Illr.: p..:rM'1I .v11lJ:'l.! llllllle ,~ suhscribed :1' Ill\.' wilhll\ illslnu ":;'(<,:clll,,,d IIN ~li'lll" 1'''1' lh" pllrp'~""s IWI'<.:ill <.I1"lIl"illCd. IN WrTNI!SS WNRI~unl:, Ill\:rl.~lllllcl~cl Illylmnd illltr My Clltllll\is,"lj,'11 n~tlirc,"l: ",r]" ,'fOI'ri~\lr D=_!:uM.\f MY r....."'''''.''....,~ '''' .., C..'lSAll":r.r !~,,'~t CDr,P ~",~"l~!l' F1"r",J03fj 9190 05/11/95 3:44 PM looi12G2 PACE 943 0218098.'3 !- ~-2~-6B 13;26 PREMIER ABSTRACT -"'''''''''''"'''''''', ID=717243339S1 . :I; EXHlIlIT "A" ALL TIIAT CER1'AIN piece 01' parcel of land situate in the Borough of Mltchanicsburg. Count}' of Cumbel"land and State of Pennsylvania, bounded iltnd described ns follows. to wit: BEGINNING at a point at tbe corner of West Locust Street and Lamont All~y; lhet\ce by Lamont Alley in a northerly direc:ticn, 93.00 feet to Stouffer Alley; thence by Stoufrel' Alley in an easterly direction. 35.00 feet, mare or I"". to lallds now or fonnefly of Snyder; tllence by lands now or formerly at Snyder in a southerly direction, 93.00 feet to a poiut 01\ the western line of Locust Street. thence by the western line of Locust Street in a westerly direction, 35.00 feet. more or less. to a point, the platle of BEGINNING. HAVING THEREON ERECTED. two-story frame dwelling house known and numbered as 24 West Locust Slreet, Mecbanicsburg, Pennsylvania. PEING TilE SAME PREMISESwhioil Eugene H. Potteiger and Nancy C. Potteiger, hi.s wife. by thir Deed dated ~ ' '? , 1995, and intended to be recorded immediately prior l1ereto in t e. Office of the Recorder of Deedll in Rnd for Cun,berland County, Pe.nnsylvania, granted and conveyed llnto Maura A. Jenkins. single WOOltll1, Mortgagol' herein. ':_', ";'~ of pcnnsvlvania } 5S " "1'1'/ of Cumberland 'I , drll;!d in l-"a ottlce tar ,he rec01'dlnQ of DII',ll1 ..:1. ,;ndt,QnC.u.mberlandCoun~ ' ;"mtl,\ao~~"VOI:"':::...-F-ag8 () . '!iUWU mv han al of otfi ,al5 CHli(Jld, PA tltis dayat . 18.,!..;::. R raoi 1262 PACE 944 P13/1S \~ " -- . ~ NOTE MAY 12 ,1995 HARRISBURG PENNSYLVANIA In';-I (SIotel \1 24 W. LOCUST STREET BOROUGH OF~*?ENNSYLVANIA 17055 . . ~~~imN~~s~~a;"" ,~,i,..~._,: 1. lIORROWER'S PROMISE TO PA V In return for a loan tbat r have received, I protnise to pay U.S. "principal"), plus interest, to !he order of the Lender. The Lender is ****....**67,450, OO(this amount is called BIA NATIONAL INCORPORATED I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the "Note Holder," 2.1NTEREST Interest will be charged on unpaid principal until the full amount of principal has been paid. I will pay interest at a yearly rate of -0/"............8,500 %, The interest rate required by this Sectinn 2 i.s the I"ate ( will pay hath befo\.e and after any default described in Section. 6(B) of this Note. 3.rAYMEN'fS (A) Time and Place orl)nYlIlcnts 1 will payprulcipal and interest by making payments every month. 1 will make my monthly payments on the 1 ST day of each mouth beginning on JULY 18T 19 ~ . 1 wit! make l'hese payments every ;;th~c paid all nfthe principal and interest and any other charges described h~lnW that I may owe tinder this Note. My mont/1ly paymcnts will be applied lo ill!crc;;t before principal. If, on JUNE 18T 2025 , ] still Oll'l' ,1I1l()UIl!,~ under this NOll', I will pay lhosl' ,Ull<JUlllS ill 1\111 "" :1",1 daW, which is called till' "mnwrity date. ' I will makcmy mnnthly r.1ymcntsllt P,O, BOX 3050, COLUMBIA, MARYLAND 21045-6050 or ata differcntplace if required by the Note Holder. (B) Amount of Monthly Payments My monthly payment will be in the amo1.lntofU.S. $ ....*******...518.64 4. BORROWER'S RIGHT TO PREPAY l have the right to make payment" ofpri1lcipal at any time before titeY are dUe. A payment of principal only is known as a "prepayment." Whtm I make a prepayment, I will tell the Note Holder in writing that I am doing so. t may make a full prepayment or rartial prepayments without paying any prepayment charge. The Note Holder wi1ltlse all of my prepayments to reduce the amount of principal that I owe under this Note. If I make a partial prepayment, there will be no changes in the due date or in the amount of my monthly payment llnless the Note Holder agrees in writing to those changes. 5. LOAN CHARGES If a law, which appli(,5 to this loan and which sets maximtml loan cbat'ges, is fmally interpreted so that the interest or other loan charges collected Dr \0 be c\)IJeclcd in cOlmection with this loan exceed the permiUcd limits, then: (i.) any such loan charge shall be reduced by the amo\lnt necessary to reduce the charge to the permitted limit; and (Ii) :illY sums alre~dy collected from me which exceeded permitted limits will be refunded to me. Tl1e Note Holder may choose to nHlke this refund by reducing the principal! owe undet. this Nute or by maki.ng <I direct payment to mC'. If a refund reduces principal, the reduction will be lreated as a partial prepayment. 6. BORROWER'S FAILURE TO VA V AS REQUIRED (A) Late Charge for Overdue Payment.. [f the Note Ho]der ha" not receiwd the ru)] (lmouut of any l11'_lIlthll' payment hy the cnd or FIFTEEN calendar days after the_ (\;.\[0.:', it is du_c, l will ptlY U late charge tu tile Nt)to.:' Holde\', The amOullt of the charge wiU be of my overdue paymelll OrPl'lJlcLpal and interest. I will pay !bis late charge promplly but only once all each late payment (.B) Default If I do not pay the fuU amouot of each monthly payment on thc datt., it is due, I will be in default. (C) Notice of Default If I am in default, the Note Holder may send me a written Dotiee telling me that if I do not pay the overdne amount by a r.:ertaindate, the Note Holder may require me to pay immediately the fun amount of principal which has not been paid and all the interest that r owe on thaL amo\,\nt. That date ffill,st be at least 30 days after the date on which the notice is delivered or mailed to me. (0) No Waiver By Note Holder Even if, at a time when r am in default, the Note Hr-lder does not reL)uire me to pay immediately in full as described above, the Note Holder will still have the right to do so if I am in default <It a later time. (E) Payment (If Note Holder's Costs and Expenses If the Note Holde!' htl:' required me to pay immediately in full ;1::. described above, the Note Holder will have the right to be paid back by me for all of its costs l-lnd expenses i1\ enl'orcing this i'lote to the extcnt not prohibited by applicable law_ Those expenses include, for eXan:lple, reasonable attmneys' fees. [Xhibrr- ]) MUI~TISTATE FIXED RATE NOTE - Single F~mily -FMIAlFlil.MC UNIFORM INSTRUMENT 3200A FNS1 05! -11! 95 Pa!2<: I ui2 3: 44 PM Form 320012/RJ 02180998 5'1< , "~ ;..' ~ ""' ~, "'"'j 1: ~ 7. GIVING OF NOTICES . Unless applicable!rlw I'l'qllin~s:l different nwthod, ~l'Y \)('1:\:," '~l"~! h' :;iVt'11lllll1c ullrl\:r thi~ Nut.; will be given hy dclivc:ring il (II by mailing it hy first dlls,,; mail to me lit the Pmpl'rty Addn''''~, :-:1.;"",, "1" ,( :'1 dillerent ac1c1rl:ss if 1 give th,' Note Holclc:]" a n()li~l' 01 illY different address. Any notice thfll must he given to tlll' Note Helder t'llCkr I-hi~ Note 1"lll he given by mailing it by firsl clast; mail (0 the Note Hold,'.\" [1\ the address stated in Section 3(A) above or at a differentaddl'cs~ if I ;;m given a n,)(ice of that different address 8. OBLIGATIONS OF PERSONS UNDER THIS NOTE i~ If more than one pefson signs this Note, each person is fully and personally ubligated to keep all of the premises made in this Note, including the promise to pay the full amount owed. AlJ.Y person who is a guarantor, surety or endorser of this Note is also obligated to do these things, Any person who takes over these obligatioos, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promi~es made in this Note. The Note Holder may enforce its rights under this Note against each person individuallY or against all of us together. This means that an)' one ofus may be required to pay all of the amounts owed under this Note, 9. WAIVERS [ and any other person who has obligations under this Note waive the rights of presentment and notice of dishonor. "Presentment" means the right to require the Note Holder to demand payment of amounts dUe. "Notice of dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. 10. UNIFORM SECURED NOTE This Note is a uniform instrumellL with limited variations ;1', ..;01llt: juri:>diclions. In addition to the protecuon given to the NOle Holder under this Note, a Mortgllgc, Deed of Trust or Security Deed (lhe "Security Inslrument"), dated the same date as this Note, protects the Note Holder from pos:;ibJe losses which might resclt if I do not keep tlle promises which I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts r owe under this Note, Some of the conditions are described as follows: Transfer of tbe Property or a Beneficial Interest in }lorrower. If all or any part of the Property or any interest in it is sold or l1'ansferred (or if a beueficial interest in Bon-ower is sold 01" lI'i.l11st'el'l'o::d and BDlTower is not a natural persoll) withoUl bmdcr'spl'ilH written consent. Lender may, at iffi option, require immediate payment ill full of all sums secured by th.is Security Instrument. However, this option shall not be exerci::;cd by Lenderil' exercise is prohihited hy federal law as of the date ofthis Security lnslnllnCI1l If Lender exerci..<;es this option. Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Insl1'ument, If Borrower fails to pay these suros prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrumentwithout furthernotice or demand on Borrower. WITNESS THEHAND(S) AND SEAL(S) OFTIfE UNDERS[GNED. 1 i-- hlO,l/11 VOl ((, G/1/(C0L1 MAURA A. JENKINS! (Seal) -BOIm...., (Seall -BOTTOwe. (8oal) .Boltowor WITH~UT RECOI:IRSE PAY TO THE ORDER OF - ~~I""".A"""'TEll BY:~1~""-' 0( ~ -...."'EAstJiiSi; (SiR!! Original Only) 32.ooB FNS1 05/11/95 Pag,,2of2 8:44 PM 02180998 ~ - ~ ' liIi.i!ji"rl.,-'~"~W',~'~'W&IJiI,fiillI~~!iiIi.'Iiail~~~;ajUI1ii;B~iIIIliIIlllil_isliiMI ~~- li\lII. LL.1j!iU~_,.. .. "">,,,-,,- _ '_~"'-'""" _I' '" ,~ _w, "-'" ,,,.-, " ',',<^-,-- ..........."'~~lIirIiBilIi ,,"'.' " 'l . , . 0 c:::: 0 C C) ~'-l .,",- CJ ". \: ;,-\ , , n .-1 :J_~ ! /C C' (.)1 [': ~.:.--:) -,'" " 'J '" "- C"J '-:--? ~,,; '--...: ~;-;:; ----i , :?~. -j I '" :<. -<. . ,~ . -" , .' , ~,-' ';-<"'-~.\' , " "" liit: ) "t PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and subnitted in duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter f= the next Argunent Court. -----------------------------------------------------------------------------------.---- CAPTION OF CASE (entire caption ImJSt be stated in full) COLUMBIA NATIONAL INC. 7142 Columbia Gateway Drive Columbia, MD 21046-2132 (Plaintiff) vs. MADRA A. JENKINS (Mortgagor and Record Owner) 24 W. locust Street Mechanicsburg, PA 17055 (Defendant) No. 3072 Civil TERM 3>> 2000 1. State matter to be argued (i.e.. plaintiff's lIDtion for new trial, defendant's danurrer to canplaint. etc.): Motion for Summary Judgment 2. Identify counsel who will argue case: (a) f= plaintiff: Michael T. McKeever, Esquire Address: ~he Bourse Building - Suite 500 100 S. Independence Mall East Philadelphia, PA 19106 (b) for defendant: Maura A. Jenkins Address: 24 W. Locust Street Mechanicsburg, PA 17055 (215)627-1322 (717) 691- ~634 3. I will notify all parties in writing within two days that this case has been listed f= argunent. 4. Argument Court Date: January 3, 2001 Dated: NoVe...oU ~"t I ;) OOl> ::L~"" WJliIii!iiiilit"""'" "'0. ;lM!rn!\li!_ni"11!lM.~~~f;-;g~~~~i~~!lL~~ ':,';;'i...,;;,~ rt~........ !,!\,It,~~, ~ -,,-- ,~ _~ J .' ~ ''- ~, ~ ",,' ",c" " , '\:<.," ~ , r ( (') <.7.> 0 c: 0 ~n -o~ t:1 -, n1m n, '~hl~n Z:u C") zC;:: I ,~;~:,~d ~z <;;0 ~CJ ,'_~' ,l~ V '''"1'',,' ~O ',-. -r; 3: ~~2R -0 >c: ;i~m '-' Z -! =< r;:- ?5 {.oJ -< " ,c ,e-"'_ -, -, A'"' "' --.~-~<~- ''''''''-'0'''~ :- I.iC j"lt . GOLDBECK McCAFFERTY & McKEEVER A Professional Corporation By: Michael T. McKeever, Esquire Attorney I.D. # 56129 Suite 500 - The Bourse Bldg. 111 S. Independence Mall East Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff COLUMBIA NATIONAL INC. 7142 Columbia Gateway Drive Columbia, MD 21046-2132 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY vs. MAURA A. JENKINS (Mortgagors and Record Owners) 24 W. Locust Street Mechanicsburg, PA 17055 NO. 00-3072 CIVIL TERM CERTIFICATE OF MOTION FOR SUMMARY JUDGMENT SERVICE OF PLAINTIFF'S PRAECIPE TO LIST CASE FOR ARGUMENT DATE Michael T. McKeever, Esquire, hereby certifies that he did serve true and correct copies of Plaintiff's Praecipe to list Motion for Summary Judgment for Argument to be held on January 3, 2001 by first class mail, postage pre-paid, on November 27, 2000 upon the following: Maura A. Jenkins 24 W. Locust Street Mechanicsburg, PA 17055 T. MCKEEVER, ESQUIRE " d~~&a1~,\li~!iii:i~'J4lI:iItI~~~'irkiI~t~_>>_~1dl !I!'!I", ". "" ,~'. ~",-,~- ~.-;~"" rn WUft j'-' .~ ~ , , ~" ..,' ,w",-n"" ,. , (') 0 0 c: 0 "Tl s:: 0 "Om f"~ mr-n C? n 2:'1] ZC" I "''';,"'11 C/)2 co =:; ;~.,~1 ~L "'"~j i ~.:::;() ;<0 -0 ",",', ~o -:t" i'~:_0 5>,0 ~5,fcg c:: ~ c- 5;! (,) =n -< ~ -~ ~~: . ~] ',,- o'''-'t!; SHERIFF'S RETURN - REGULAR CASE NO: 2000-03072 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND COLUMBIA NATIONAL INC VS JENKINS MAURA A CPL. TIMOTHY REITZ , Sheriff or Deputy Sheriff of Cumberland County, pensylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon JENKINS MAURA A the DEFENDANT , at 0020:19 HOURS, on the 22nd day of May , 2000 at 24 W LOCUST ST MECHANleSBURG, PA 17055 by handing to MAURA JENKINS a true and attested copy of COMPLAINT - MORT FORE together with NOTICE and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 6.20 .00 10.00 .00 34.20 So Answers: ~~~~t:~1 R. Thomas Kline Sworn and Subscribed to before OS/23/2000 GOLDB::~' ;~;;~ De y Sherif ' me this J~ day of ~ ,L(J7J-i) A.D. ~O}ndj, )-{~, rothonotary , ."_ ~.." _" ~, i I., ,I .b' , J,-.c-' ob.~',"'<-' &. ,",'- ~ '~-"-" '-~ -liilld;iliti; PRAECIPE FOR WRIT OF EXECUTION - (MORTGAGE FORECLOSURE) P,R.C.P 3180-3183 Joseph A. Goldbeck, Jf. Attorney LD.#16132 Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-627-1322 Attorney for Plaintiff COLUMBIA NATIONAL INC. 7142 Columbia Gateway Drive Columbia, MD 21046 IN THE COURT OF COMMON PLEAS Plaintiff vs, of Cumberland County MADRA A. JENKINS Mortgagor(s) and Record Owner(s) 24 W. Locust Street Mechanicsburg, P A 17055 CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE Defendant( s) No, 00-3072-CIVIL PRAECIPE FOR WRIT OF EXECUTION TO THE PROTHONOTARY: Issue Writ of Execution in the above matter: Amount Due $83,791.89 Interest from 04/01/2000 to 01/03/2001 at 8.5000% (Costs to be added) ERTY & McKEEVER k, Jr. .., . _~"-~I '" '1Ulli"" ~" " "11 r~" '"~'!iIillil~~ 'IM.'-~~~~I.::.~ ?CJ C r (J [ ~\ 4Q..{g \ ;--. - - ~ D r ...l:::: -0 o 0- ~ w -- ~, ~ ~ ~~ + kf ~ ,A'I.I.!il!llJ!I!l_,.._", ,. , .... .,<"j" -,_ )~, r,,1, ", - ,,-_ ----tq ,,,. ,~ '" , '9-" " '-> " * W ~ ~v,..o"l-:l::~ "7D()~o~8 QC,CQ , ~~ :;::- 'i-~ , r;Y:- - .... .... .... V-I -- ~ D , , ~ ... -"-~ . ,I~.."~ VI , Ir . (") ....., 0 = ~~ = 'I .,,- ... -l -CJ r;"' I-n r-n L~_; ITl n1r:= '"';'> V::J -om -~,. " C/~! f'-' :)]y - -, 9,6 r:' -"i .,,-:- :!:'J'> Oil .. ~ -,.t:) L:','-'-'-, ;:'-~-fn );2>(= 0 ~::'i ,.' .~ _.-i UI 5J --:." C'\ -< . . " -- ,.:,,,., -~"" , ,,, '''~l;'' l '. 'B -. ,," ,~ ~:'~, i '1f, \ GOLDBECK, MCCAFFERTY & MCKEEVER By; Joseph A. Goldbeck, Jr. Attorney I.D. #16132 PLAINTIFF Suite 500-The Bourse Bldg. 111 S. Independence Mall East Philadelphia, PA 19106 PLEAS (215) 627-1322 'i j ATTORNEY FOR COURT OF COMMON CIVIL DIVISION Columbia National, Inc. Vs. No. 00-3072-eivil Maura A. Jenkins (Mortgagor and Real Owner) CUMBERLAND COUNTY ALL THAT CERTAIN piece or parcel of land situate Mechanicsburg, County of Cumberland and State of bounded and described as follows, to wit: in the Borough of Pennsylvania, BEGINNING at a point at the corner of West Locust Street and Lamont Alley; thence by Lamont Alley in a northerly direction, 93.00 feet to Stouffer Alley; thence by Stouffer Alley in an easterly direction, 35.00 feet, more or less, to lands now or formerly of Snyder; thence by lands now or formerly of Snyder in a southerly direction, 93.00 feet to a point on the western line of Locust Street; thence by the western line of Locust Street in a westerly direction, 35.00 feet, more or less, to a point, the place of BEGiNNING. Having thereon erected a two-story frame dwelling house known and numbered as 24 West Locust Street, Mechanicsburg, Pennsylvania. Tax Parcel #16-23-0565-038 " ,; "--"l,, '" < 1'01 s:: Z ~~ Uo ~ f' u "0 ... f-i~O 0"" ~~ Zo U 1'01 = "" i:S cj ~ ~ ~ < ~ o u ~ ~ ~ '" 1::' " '" "'~ '" ~o,,(2 'E~: 0"'''-' lll"_"" ~ (]) f/.l <- ~ " OJ) ":]:5] ~3~"~ <r::C;"'=t,J::l ::8 ~'" g ~ ::8 o 6 ---I z o ... S u~ ~ 1: 1'01 iil ....Si o ~ "" '" ~~ ~- o '" ... Q 1'01 i:I u ~ .:i~ '"'" "IJ ,!'I " '" ;@E: '0 '" <::1<8 ">> < e ^il 0 ~~ ,..., ... " "'1:1 " " ~u "" '" ~g fti "" ~ 2J.-o'Q)>.b ~5~8~ ~!f", ~ C') ~ ~ ~ ~,~ "'0"", , ~~,..::;:.a~ ~::8o~'" .::c= 11:'-.-0 ~ 0 ~ ",0 "" :s~ ~ c3 "~ '" ,--~ ;".b. , ;, ,. ~','." "'i. ~< \;. ~ " , \~~ ~ " ,. {: ~W' ~ ~~. ~~ ~,., ," ~."~ ~" " _~_m.~-=J -~Mw. WRIT OF EXECUTION andlor ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 00-3072 Civil CIVIL ACTION - LAW TO THE SHERlFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due COLUMBIA NATIONAL INC., Plaintiff (s) From MAURA A. JENKINS (I) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) Ifproperty of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify himlher that helshe has been added as a garnishee and is enjoined as above stated, Amount Due $83,791.89 Interest 41112000 TO 1/3/2001 AT 8.5000% L.L. $.50 Atty's Comm % Due Prothy $1.00 Other Costs Atty Paid $121.20 Plaintiff Paid Date: FEBRUARY 27,2004 CURTIS R. LONG (Seal) Protho~ fI ~ ~ ,..,." _. 'A.J'L r-- Deputy REQUESTING PARTY: Name GOJLDBECK MCCAFFERTY & MCKEEVER Address: SillTE 5000 . MELLON INDEPENDENCE CENTER 701 MARKET STREET PHlLADELPffiA, PA 19106-1532 Attorney for: PLAINTIFF Telephone: 215-627-1322 Supreme Court ill No. 16132 ~ - . /i , ~-"'- ""'~--> . , - .<,--, "~.." ll:1i2i ilik j' / ., Goldbeck McCafferty & McKeever BY: Joseph A. Goldbeck, Jr. . j~tto~y I.D_ #16132 Suite 5000 - Mellon Independence Center 70 I Market Street Philadelphia, PA 19106-1532 215-627-1322 Attorney for Plaintiff COLUMBIA NATIONAL INC. 7142 Columbia Gateway Drive Columbia, MD 21046 IN THE COURT OF COMMON PLEAS Plaintiff of Cumberland County vs_ MADRA A. JENKINS (Mortgagor(s) and Record Owner(s)) 24 W. Locust Street Mechanicsburg, PAl 7055 CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE Defendant( s) No. 00-3072-CIVIL AFFIDAVIT PURSUANT TO RULE 3129 COLUMBIA NATIONAL INC., Plaintiff in the above action, by its attorney, Joseph A. Goldbeck, Jr., Esqnire, s"ts forth as of the date the praecipe for the writ of execution was filed the following information concerning the real property located at: 24 W, Locust Street Mechanicsburg, PA 17055 l.Name and address ofOwner(s) or Reputed Owner(s): MADRA A, JENKINS 24 W. Locust Street Mechanicsburg, P A 17055 2. Name and address ofDefendant(s) in the judgment: MADRA A. JENKINS 24 W. Locust Street Mechanicsburg, P A 17055 3. Name and last known address of every judgment creditor whose judgment is a record lien on the property to be sold: DOMESTIC RELATIONS OF CUMBERLAND COUNTY PO Box 320 Carlisle, P A 17013 P A DEPARTMENT OF PUBLIC WELFARE - Bureau of Child Support Enforcement Health and Welfare Bldg, - Room 432 P.O. Box 2675 Harrisburg, P A 17105-2675 4. Name and address of the last recorded holder of every mortgage of record: ," Ilwk_~ I /.., , , .. DEL NORTE REFI, LLC 323 5TH STREET EUREKA, CA 95501 PENNSYLVANIA HOUSING FINANCE AGENCY 211 North Front Street PO BOX 8028 Harrisburg, P A 17101 DANIEL CARUSO 12 BRIARWOOD COURT CAMPHILL,PA 17011 WINCHESTER GARDENS AND M, SCHUSSLER II CREEK ROAD CARLISLE, PA 17013 5. Name and address of every other person who has any record interest in or record lien on the property and whose interest may be affected by the sale: 6, Name and address of every other person of whom the plaintiff has knowledge who has any record interest in the property which may be affected by the sale, 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale. TENANTS/OCCUP ANTS 24 W. Locust Street Mechanicsburg, P A 17055 (attach separate sheet if more space is needed) 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. Section 4904 relating to unsworn falsification to authorities. DATED: February 19. 2004 , . i!l!1iil~-'l~_lf.J~Nti~~'Iii;~~~~ldW~_""""" ~ !i!iIk., ,,__ =". ""_J,J~~~"," -," ''''''::''''''.1"",.;:-: '............ '. '""-":, " , '. '\. " ~ ..- " (') ...., = 0 C c--, 'I :< .r- ..." .-1 "j-; I-n t"-:; fT !"T'J " 0:> nlp f" -om ,'., :DO -,\ -.,J 06 ~, >.~ ---1" -,~~ :\:;~ ::.1:)1 1...--:; :-.ft: ~C) .-c- C} BIT! ,",. " c:: C) --.-1 :5 (J1 p- -:,: en ~ n~, ~ ;.","""",,","- 'J: ,,,:,, ,- "'." ~-- ,'~ ~- '(" F .... . 00-3072-CIVIL GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A- Goldbeck, Jr. Attorney I.D.#16132 Suite 5000- Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff COLUMBIA NATIONAL INC 7142 Columbia Gateway Drive Columbia, MD 21046 IN THE COURT OF COMMON PLEAS of Cumberland County Plaintiff vs. CIVIL ACTION - LAW MADRA A. JENKINS Mortgagor(s) and Record Owner(s) ACTION OF MORTGAGE FORECLOSURE 24 W. Locust Street Mechanicsburg, P A 17055 Term No. 00-30n-CIVIL Defendant(s THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT, TIDS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: JENIGNS, MADRA A MAURA A. JENKINS 24 W. Locust Street Mechanicsburg, P A 17055 Your house at 24 W, Locust Street, Mechanicsburg, P A 17055 is scheduled to be sold at Sheriffs Sale on Weduesday, June 09, 2004, at 10:00 AM, in Commissioners Hearing Rm 2nd FL Courthouse to enforce the court judgment of$83,791.89 obtained by COLUMBIA NATIONAL INC. against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay to COLUMBIA NATIONAL INC., the back payments, late charges, costs and reasonable attorney's fees due, To fmd out how much you must pay call: 215-627-1322 2. You may be able to stop the sale by filing a petition asking the Court to strike or open 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. . '-" L-- . ~. ~ f , (' 00-3 on-CIVIL You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice below on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES NOT TAKE PLACE. I. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid price by calling the Sheriff of7 I 7-240-6390, 2. You may be able to petition the Court to set aside the sale if 1he 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 the Sheriff of717-240-6390. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened, 5, You have a 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 1hat 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 1he money bid for your house will be filed by the Sheriff thirty (30) days from 1he date of the Sheriffs Sale, This schedule will state who will be receiving 1hat money, The money will be paid out in accordance with this schedule unless exceptions (reasons why 1he proposed distribution is wrong) are filed with 1he Sheriff within ten (10) days after the schedule of distribution is filed, 7, You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HA VB A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE TIlE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 .'11'" ~-.,'- "'iilUijiilt1l11~Rii,~. ~"~l\:!h~....JiMBlli\~ ~ ,- li.'0'!IJr - I ..;. ^ ,~.'o_:<' "1'. - """-'\iliIIiIi_....... - , '~ ., 0 "-> r- = 0 ~ = -""" -n .." --I r>-1 ,- CD fil-n r- :"0 -om .-.J :1;0 CJ L -,'U ,J:'t~ ;;~=F1 :~',( ~n r;' ,.- 0 (~) (it ...:<.. .,_1 _.~ <:"-'1 );;": -( .-=0 O~ -< - . , l ~ ,. ';'k .'~imli 03/13/2001 08:53 FAX 215 627 7734 GOLDBECK Ii!I 001/001 GOLDBECK McCAFFERTY & McKEEVER A Professional COIporation Suite 500 - The Bourse Building IllS. Independence Mall East Philadelphia, PA 19106 (215) 627-1322 (215) 627-7734 (Fax) j\'l~hA. ;UldheL:k,lr Cl:lry t. M C::lJ'J'erly Jvfich,lcl T McKeever J<l"\:.:L;I\a G MUM.h:l. March 13, 2001 R. Th, mas Kline Sherif's Office 1 Cou 1l,ouse Square Carlisl~, PA 17013 RE: COLUMBIA NATIONAL INC. vs. MAURA A. JENKINS I NO. 00-3072 CIVIL TERM PROPERTY ADDRESS: 24 W. Locust Street, Mechanicsburg, PA 17055 SHERIFF'S SALE DATE: June 6,2001 Dear Sir/Madam: As a result of the filing of a Petition in Bankruptcy, kindly stay the Sheriff's Sale '"ith reference to the above-captioned matt,r and return any unused costs_ The bankruptcy filing info:mation is as follows: Date filed: February 12, 2001 Case number: 1 01-00689 Chapter: 13 Judge: ROBERT J. WOODSIDE Thank you for your cooperation. Very Jr. JAG/ilr MAR 1< ?~~1 ~9:0S 215 627 7734 PAGE,01 .,~- ~. "'c \ "\ ,_ I J ( 1 I \ '""'__< ".'-11 GOLDBECK McCAFFERTY & McKEEVER A Professional Corporation By: Michael T. McKeever, Esquire Attorney LD. # 56129 Suite 500 - The Bourse Bldg, 111 S. Independence Mall East Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff COLUMBIA NATIONAL INe. 7142 Columbia Gateway Drive Columbia, MD 21046-2132 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY vs, MAURA A. JENKINS (Mortgagor and Record Owner) 24 W. Locust Street Mechanicsburg, PAl 7055 NO. 00-3072 CIVIL TERM ORDER oJ AND NOW, this J ~ day of :JI'lNu(.l ft"( z,.. I ~, upon consideration of Plaintiffs Motion for Summary Judgment, it is G-lZAtJ'f"f b ORDERED: That Summary Judgment is hereby granted in favor of Plaintiff for the dollar amount due as of the filing of the Complaint ($77,158,85) plus interest at the rate set forth in the note, fees and costs and other charges in accordance with the terms of the mortgage and note and the demand of the Complaint. j".' - " ~' tlJlji~,~~., UNITED STATES BANKRUPTCY C MIDDLE DISTRICT OF PENNSYLVAN PA PROCEEDING MEMO/ORDER OF COURT FINAL HEARING CHAPTER: 13 Appearance(s) for PlalntlfflMovant idi R. Spivak, Esquire aIi..a Joy Myers, E'squlro bia alln. DECISION: _ GRANTED SUSTAINED (CLERK"S OFFICE USE ONLY) CASE NO.: 1-01-00689 ADV NO.: vs HEARING November 3, 2003 DATE: TIME: 10:00 a,m. RECORD )Kf NO RECORD 0 Appearance(s) for Defendant/Res ndent ro-5e Debtor DENIED APPROVED Other Appearance(s) Other Appearance(s) DENIED WITHOUT PREJUDICE TAKEN UNDER ADVISEMENT within WITHDRAWN IN OPEN COURT OVERRULED Briefs Due from Proponent otherwise, proceedIng to be dismissed without prejudice. Briefs Due from Opponent days, within days, SeWed. Stipulation within 30 days. Othe~e, proceeding to be dismissed without prejudice. Findings and conclusions dictated at close of hearing Incorporated by reference. Debtor to Fde Amended within otherwise, upon certification 0 case is dismissed or 0 case Is converted to Chapter 7. days TRANSCRIPT ORDERED BY Reopen upon payment within 30 days of 0 required filing fee 0 an assessment In the amount of CONTINUED TO: (date) AT REQUEST OF TRIALlFINAL HEARING DATE SET: (time) Discovery deadline: Stay Continued Until Final Hearing OTHER.... IT IS SO NOTED Courtroom Deputy Deted: ,. (place) Pre-Trial Motion deadline: lin R ulred ~ED - ~ John Thomas, Bankruptcy Judge o Mailin Not Re ulred MDPA_PROCEED.WPT_RB",JIIJ USBC PAM - LIVE - V2.3 - Docket Report . 1 'I r Page 1 of 16 CREDS, 2002, CLAIMS, REINSTATED U.S. Bankruptcy Court Middle District of Pennsylvania (Harrisburg) Bankruptcy Petition #: 1:Ol-bk-00689-MDF Assigned to: Mary D France Chapter 7 Previous chapter 13 Voluntary No asset Date Filed: 02/12/2001 Date Converted: 11/05/2003 Maura A Jenkins 24 W LOCUST STREET MECHANICSBURG, PA 17055 SSN: xxx-xx-8125 Debtor Steven M. Carr 119 E. MARKET STREET YORK,PA 17401 717 843-8968 Trustee Charles J. Dehart, III P.O. BOX 410 HUMMELSTOWN, PA 17036 717 566-6097 TERMINATED: 11/05/2003 Former Trustee Lawrence G. Frank Law Office ,of Lawrence G, Frank 2023 NORTH SECOND STREET HARRISBURG, P A 17102 717234-7455 TERMINATED: 12/03/2003 Former Trustee Markian R Slobodian 801 N Second St Harrisburg, PA 17102 717232-5180 TERMINATED: 12/10/2003 Former Trustee United States Trustee PO Box969 Harrisburg, PA 17108 717-221-4515 Asst. U.S. Trustee represented by Maura A Jenki~lS PRO SE "~_. " ~~- , ' , ... ,'~ 'f;: USBC PAM - LIVE - V2.3 - Docket Report 1 " f Page 2 of 16 Filing Date # Docket Text 02/12/2001 1 VOLUNTARY PETITION under chapter 13 , [CR], ORIGINAL NIBS DOCKET ENTRY #1 (Entered: 02/12/2001) 02/13/2001 2 ORIGINAL DOCUMENT. All Missing Documents, Plan and Summary Filed. Re: Item # 1, [CO], ORIGINAL NIBS DOCKET ENTRY #2 (Entered: 02/13/2001) 02/13/2001 1 APPLICATION to pay filing fees in installments [Complied] (Entered: 02/13/01], [CO] ORDER for payment of Filing Fees in Installments: fees due by OS/21/01 [Complied] [Entered: 02/13/01], [CO] FEE PAID REC. #571541-BR Re: Item # 3, [BW], ORIGINAL NIBS DOCKET ENTRY #3 (Entered: 07/02/2001) 03/05/2001 1 CERTIFICATE of Mailing of Notice of 341 Meeting, Objections to the plan are due 15 days after meeting held. , [CA], ORIGINAL NIBS DOCKET ENTRY #4 (Entered: 03/05/2001) 04/06/2001 5- ENTRY OF APPEARANCE of JOHN D, SCHLOTTER, ESQUIRE of McCalla Raymer Padrick Cobb Nichols & Clark LLC on behalf of COLUMBIA NATIONAL, INC., [SP], ORIGINAL NIBS DOCKET ENTRY #5 (Entered: 04/06/2001) 04/09/2001 Q 341 meeting not held-to be rescheduled, , [CA], ORIGINAL NIBS DOCKET ENTRY #6 (Entered: 04/09/2001) 04/23/2001 1 CERTIFICATE of service of notice of rescheduled 341 Meeting, [CA], ORIGINAL NIBS DOCKET ENTRY #7 (Entered: 04/23/2001) 05/07/2001 B. MOTION for relief from stay filed by COLUMBIA NATIONAL, INC. as loan servicing agent for Federal National Mortgage Association [fee pd. $75,00, rec. #569482-KZ] (Entered: 05/07/01], [BW] CERTIFICATE OF NON-CONCURRENCE (Entered: 05/07/01], [BW] REQUEST for admission [Entered: 05/07/01], [BW] REQUEST for production of documents, [BW], ORIGINAL NIBS DOCKET ENTRY #8 (Entered: 05/07/2001) 05/07/2001 .2 ORDER that answers are due on OS/29/01 Re: Item # 8, [BW], ORIOINAL NIBS DOCKET ENTRY #9 (Entered: 05/07/2001) 05/14/2001 10 CERTIFICATE of service Re: Item # 9, [BW], ORIGINAL NIBS " ~ -~ ' <:=.~ -...- '>C.~"'__. ,~_ .=~~ 1"""""'......_, . 1 .......~-~ lWIt""'c",': USBC PAM - LIVE - V2.3 - Docket Report . :. 1 t Page 3 of 16 DOCKET ENTRY #10 (Entered: 05/14/2001) OS/24/2001 II Amendment to Schedulers]: D,F AND 1. FEE PAID, RECEIPT #570217, $20.00, Re: Item # 2, [CR], ORIGINAL NIBS DOCKET ENTRY #11 (Entered: OS/24/2001) OS/24/2001 12 341 meeting held. , [CA], ORIGINAL NIBS DOCKET ENTRY #12 (Entered: OS/24/2001) OS/24/2001 il ANSWER by DEBTOR/RESPONDENT Re: Item # 8, [SM], ORIGINAL NIBS DOCKET ENTRY #13 (Entered: OS/25/2001) OS/24/2001 14 ENTRY OF APPEARANCE of DEANNA LYNN SMITH on behalf of Debtor, [SM], ORIGINAL NIBS DOCKET ENTRY #14 (Entered: OS/25/2001) OS/24/2001 15 Amended Ch, 13 Plan [requested proof of service] Re: Item # 2, [BW], ORIGINAL NIBS DOCKET ENTRY #14A (Entered: 06/12/2001) 06/01/2001 16 ORDER to show cause for failure to pay filing fee on 06/26/01 at 09:00 A.M. at Federal Building, Blll1kr\1ptcy Courtroom [3rd Floor], Third & Walnut Streets, Harrisburg, pA 17101, [BW], ORIGINAL NIBS DOCKET ENTRY #15 (Entered: 06/01/2001) , 06/04/2001 17 ANSWER by Debtor to Request for Admissions and Production of Documents Re: Item # 8, [BW], ORIGINAL NIBS DOCKET ENTRY #16 (Entered: 06/05/2001) 06/06/2001 18. Amendment to Scheduler s]: D AND SUMMARY OF SCHEDULES. Re: Item # 11, [CR], ORIGINAL NIBS DOCKET ENTRY #17 (Entered: 06/06/2001) 06/20/2001 19 MOTION TO DISMISS BY TRUSTEE WITH NOTICE SETTING HEARING on 06/14/01 at 02:00 P.M, at Federal Building, Bankruptcy Courtroom [3rd Floor], Third & Walnut Streets, Harrisburg, PA 17101, [BW], ORIGINAL NIBS DOCKET ENTRY # 18 (Entered: 06/20/2001) 06/25/2001 20 CORRESPONDENCE from Movant requesting matter be listed for hearing, Re: Item # 8, [JG], ORIGINAL NIBS DOCKET ENTRY # 19 (Entered: 06/26/2001) 06/26/2001 22 PROCEEDING MEMO re hearing not held. Debtor did not appear or make payment. Case to be dismissed. Per phone call from Debtor-will pay fee py Friday or case will be dismissed Re: Item # 16, [JG], ORIGINALNIBS DOCKET ENTRY #21 (Entered: 06/27/2001) --"".~"~ -~ .... __J ~, " ' '= ,,1/ """_ " J :L~~ USBC PAM - LIVE - V2.3 - Docket Report Page 4 of 16 '. . t 06/27/2001 21 CORRESPONDENCE SETTING HEARING on 08/24/01 at 03:00 P.M. at Federal Building, Bankruptcy Courtroom [3rd Floor], Third & Walnut Streets, Harrisburg, PA 17101 Re: Item # 8, [BW], ORIGINAL NIBS DOCKET ENTRY #20 (Entered: 06/27/2001) 07/13/2001 23 NOTICE to creditors that answers/objections are due on 07/30/01 Re: Item # 19, [BW], ORIGINAL NIBS DOCKET ENTRY #22 (Entered: 07/13/2001) 07/27/2001 24 OBJECTION by Debtor and request for hearing Re: Item # 19, [BW], ORIGINAL NIBS DOCKET ENTRY #23 (Entered: 07/30/2001) 08/01/2001 25 CORRESPONDENCE SETTING HEARING on 09/13/01 at 02:30 P.M. at Federal Building, Bankruptcy Courtroom [3rd Floor], Third & Walnut Streets, Harrisburg, PA 17101 Re: Item # 24, [BW], ORIGINAL NIBS DOCKET ENTRY #24 (Entered: 08/01/2001) 08/24/2001 26 PROCEEDING MEMO: phone conference held - test taken - not ordered - Filius and McLucas Reporting; Clerks Office to set another hearing the week of September 17,2001. Re: Item # 8, [CL], ORIGINAL NIBS DOCKET ENTRY #25 (Entered: 08/24/2001) 08/27/2001 27 CORRESPONDENCE SETTING HEARING on 09/18/01 at04:00 P.M. at Federal Building, Bankruptcy Courtroom [3rd Floor], Third & Walnut Streets, Harrisburg, PA 17101 Re: Item # 8, [BW], ORIGINAL NIBS DOCKET ENTRY #26 (Entered: 08/27/2001) 08/30/2001 28 MOTION to withdraw by Deanna Lynn Smith, Esq" as counsel for Debtor Re: Item # 14 [Disposed], [BW], ORIGINAL NIBS DOCKET ENTRY #27 (Entered: 09/04/2001) 09/04/2001 29 NOTICE to Debtor[s] of counsels request to withdraw. Response due on 09/14/01 Re: Item # 28, [BW], ORIGINAL NIBS DOCKET ENTRY #28 (Entered: 09/04/2001) 09/13/2001 30 Amended Ch. 13 Plan [SECOND] [requested proof of service] Re: Item # 15, [BW], ORIGINAL NIBS DOCKET ENTRY #29 (Entered: 09/14/2001) 09/13/2001 11 ADVERSARY PROCEEDING FILED NO. 1-01-00225A Debtor vs, Pa. Housing Finance re: to determine validity priority or extent of lien in property [Entered: 09/14/01], [BW] TERMINATED, [BW], ORIGINAL NIBS DOCKET ENTRY #30 (Entered: 10/31/2001) 09/13/2001 32 ADVERSARY PROCEEDING FILED NO. 1-01-00226A Debtor vs, Security National Servicing re: to determine validity priority or extent I ~,,,,,,- -'IlIIilIIiIiI.&I . ~ '" -- ~ " ~" ....... ,~~ '$ USBC PAM - LIVE - V2.3 - Docket Report Page 5 of 16 of lien in property [Entered: 09/14/01], [BW] TERMINATED, [BW], ORIGINAL NIBS DOCKET ENTRY #31 (Entered: 10/31/2001) 09/13/2001 33 Amendment to Schedule[s]: D & F [Fee requested] Re: Item # 2 [Entered: 09/14/01], [KZ] FEE PAID Receipt # 574359., [BR], ORIGINAL NIBS DOCKET ENTRY #32 (Entered: 09/25/2001) 09/13/2001 35 PROCEEDING MEMO re hearing held - stip, to be filed, Re: Item # 24, [CL], ORIGINAL NIBS DOCKET ENTRY #34 (Entered: 09/14/2001) 09/14/2001 34 NOTICE TO DEBTOR[S] OF DEFECTIVE AMENDMENT $20.00 FILING FEE due by 10/04/01 Re: Item # 33 [Complied], [KZ], ORIGINAL NIBS DOCKET ENTRY #33 (Entered: 09/14/2001) 09/18/2001 36 STIPULATION by Parties Re: Item # 19 [Entered: 09/18/01], [BW] APPROVED by the court. , [BW], ORIGINAL NIBS DOCKET ENTRY #35 (Entered: 09/18/2001) 09/18/2001 37 PROCEEDING MEMO: phone conference held - counsel to eventually withdraw the motion. Re: Item # 8, [CL], ORIGINAL NIBS DOCKET ENTRY #36 (Entered: 09/18/2001) 09/21/2001 38 ORDER granting withdraw of counsel Re: Item # 28, [BW], ORIGINAL NIBS DOCKET ENTRY #37 (Entered: 09/21/2001) 10/22/2001 39 CERTIFICATE of service [requested Notice and Matrix] Re: Item # 30 [Entered: 10/23/01], [BW] CERTIFICATE OF MAILING RE: NOTICE ON CHAPTER 13 PLAN AMENDMENT Objections[requested Matrix] due on 10/29/01 Re: Item # 30, [BW], ORIGINAL NIBS DOCKET ENTRY #38 (Entered: 11/05/2001) 10/25/2001 40 MOTION of Debtor to suspend payments for three 3. months [requested concurrence of Trustee], [BW], ORIGINAL NIBS DOCKET ENTRY #39 (Entered: 10/25/2001) 10/29/2001 41 CERTIFICATE OF CONCURRENCE ofTrustee Re: Item # 40, [BW], ORIGINAL NIBS DOCKET ENTRY #40 (Entered: 10/30/2001 ) 01/02/2002 42 MOTION for relief from stay RE: COLUMBIA NATIONAL INCORPORATED. FEE PAID. RECEIPT #577510, $75.00. [Disposed] [Entered: 01/02/02], [CR] CERTIFICATE OF NON-CONCURRENCE, [CR], ORIGINAL ,- ~"' ~~"~.~ - "'. "-, -,-- -.'.....,. 11M ':'1" USBC PAM - LIVE - V2.3 - Docket Report Page 6 of 16 . , , NIBS DOCKET ENTRY #41 (Entered: 01/02/2002) 01/02/2002 43 ORDER that answers are due on 01/22/02 Re: Item # 42, [CR], ORIGINAL NIBS DOCKET ENTRY #42 (Entered: 01/02/2002) 01/04/2002 44 CERTIFICATE of service Re: Item # 43, [DS], ORIGINAL NIBS DOCKET ENTRY #43 (Entered: 01/04/2002) 01/14/2002 45 MOTION TO DISMISS BY TRUSTEE WITH NOTICE SETTING HEARING on 02/14/02 at 02:00 P.M, at Federal Building, Bankruptcy Courtroom [3rd Floor], Third & Walnut Streets, Harrisburg, PA 17101 Re: Item # 1, [DR], ORIGINAL NIBS DOCKET ENTRY #44 (Entered: 01/14/2002) 02/14/2002 46 MOTION FOR ORDER TO PAY TRUSTEE WITH CONSENT OF DEBTOR [Disposed], [DR], ORIGINAL NIBS DOCKET ENTRY #45 (Entered: 02/15/2002) 02/14/2002 47 ANSWER by DEBTOR Re: Item # 42, [DR], ORIGINAL NIBS DOCKET ENTRY #46 (Entered: 02/15/2002) 02/14/2002 49 Amended Ch, 13 Plan Re: Item # 30, [CR], ORIGINAL NIBS DOCKET ENTRY #48 (Entered: 02/15/2002) 02/15/2002 48 ORDER to pay trustee. Re: Item # 46, [DR], ORIGINAL NIBS DOCKET ENTRY #47 (Entered: 02/15/2002) 02/19/2002 50 CORRESPONDENCE SETTING PRELIMINARY PHONE CONFERENCE on 02/28/02 at 09:00 A.M, at Federal Building, Bankruptcy Courtroom [3rd Floor], Third & Walnut Streets, Harrisburg, PA 17101 Re: Item # 47, [DR], ORIGINAL NIBS DOCKET ENTRY #49 (Entered: 02/19/2002) 02/20/2002 ~ STIPULATION by the parties re: Trustee's Dismissal Notice Re: Item # 45 [Entered: 02/20/02], [KZ] APPROVED by the court. Re: Item 50, [KZ], ORIGINAL NIBS DOCKET ENTRY #50 (Entered: 02/20/2002) 02/28/2002 52 PROCEEDING MEMO: phone conference held. Stipulation to be filed, Re: Item # 47, [JG], ORIGINAL NIBS DOCKET ENTRY #51 (Entered: 02/28/2002) 03/05/2002 53 CERTIFICATE OF MAILING RE: NOTICE ON CHAPTER 13 PLAN AMENDMENT due on 03/15/02 Re: Item # 49, [DR], ORIGINAL NIBS DOCKET ENTRY #52 (Entered: 03/06/2002) 03/08/2002 54 STIPULATION to lift automatic stay, Re: COLUMBIA NATIONAL <, "~, ~J~ ~ ~ " " , , L,. ~_ ~,'. " ."'.'-" ~--, "i[.' USBC PAM - LIVE - V2.3 - Docket Report Page 7 of 16 . . INCORPORATED[Requested Concurrence of Trustee to be filed] Re: Item # 42 [Disposed], [DR], ORIGINAL NIBS DOCKET ENTRY #53 (Entered: 03/08/2002) 03/20/2002 55 ORDER confirming amended plan Re: Item # 49, [DR], ORIGINAL NIBS DOCKET ENTRY #54 (Entered: 03/20/2002) 03/27/2002 56 CERTIFICATE OF CONCURRENCE of the Trustee Re: Item # 54, [KZ], ORIGINAL NIBS DOCKET ENTRY #55 (Entered: 03/28/2002) 03/28/2002 57 ORDER approving stipulation Re: Item # 54 [Entered: 03/28/02], [DR] This entry disposes of motion. Re: Item # 42, [DR], ORIGINAL NIBS DOCKET ENTRY #56 (Entered: 03/28/2002) 04/17/2002 58 CERTIFICATE OF DEFAULT by COLUMBIA NATIONAL INCORPORATED Re: Item # 57, [DR], ORIGINAL NIBS DOCKET ENTRY #57 (Entered: 04/1812002) 05/06/2002 59 ANSWER by DEBTOR Re: Item # 58, [DR], ORIGINAL NIBS DOCKET ENTRY #58 (Entered: 05/07/2002) 05/06/2002 60 Amended Ch. 13 Plan [Requested Notice to be sent to creditors] [Also, Requested Motion to Modify Plan be filed] , [DR], ORIGINAL NIBS DOCKET ENTRY #59 (Entered: 05/07/2002) 05/08/2002 62 MOTION to Modify Plan by DEBTOR Re: Item # 60 [Disposed], [DR], ORIGINAL NIBS DOCKET ENTRY #61 (Entered: 05/09/2002) 05/08/2002 63 MOTION to avoid a lien with COLUMBIA NATIONAL MORTGAGE CO, [Disposed], [DR], ORIGINAL NIBS DOCKET ENTRY #62 (Entered: 05/09/2002) 05/09/2002 61 CORRESPONDENCE SETTING PRELIMINARY PHONE CONFERENCE on 06/06/02 at 10:30 A.M. at Federal Building, Bankruptcy Courtroom [3rd Floor], Third & Walnut Streets, Harrisburg, PA 17101 Re: Item # 59, [DR], ORIGINAL NIBS DOCKET ENTRY #60 (Entered: 05/09/2002) 05/09/2002 64 ORDER that answers are due on OS/29/02 Re: Item # 63, [DR], ORIGINAL NIBS DOCKET ENTRY #63 (Entered: 05/0912002) 05/14/2002 65 CERTIFICATE of service Re: Item # 64, [SM], ORIGINAL NIBS DOCKET ENTRY #64 (Entered: 05/15/2002) - -~--, ,;" c_" .' ~ USBC PAM - LIVE - V2.3 - Docket Report Page 8 of 16 05/14/2002 66 CERTIFICATE OF MAILING RE: NOTICE ON CHAPTER 13 PLAN AMENDMENT due on 06/03/02 Re: Item # 60, [SM], ORIGINAL NIBS DOCKET ENTRY #65 (Entered: 05/15/2002) 06/03/2002 67 ANSWER by COLUMBIA NATIONAL INCORPORATED Re: Item # 63, [SP], ORIGINAL NIBS DOCKET ENTRY #66 (Entered: 06/04/2002) 06/03/2002 68 OBJECTION to plan by COLUMBIA NATIONAL INCORPORATED Re: Item # 60 [Disposed], [SP], ORIGINAL NIBS DOCKET ENTRY #67 (Entered: 06/04/2002) 06/03/2002 69 OBJECTION to plan by BOROUGH OF MECHANICSBURG [LETTER] Re: Item # 60 [Disposed], [CG], ORIGINAL NIBS DOCKET ENTRY #68 (Entered: 06/04/2002) 06/06/2002 70 PROCEEDING MEMO: phone conference Not held, Matter to be set for hearing with visiting Judge along with Objection to Plan by same creditor, Re: Item # 59, [JG], ORIGINAL NIBS DOCKET ENTRY #69 (Entered: 06/06/2002) 06/07/2002 71 CORRESPONDENCE SETTING HEARING on 06/12/02 at 03:00 P.M. at Federal Building, Bankruptcy Courtroom [3rd Floor], Third & Walnut Streets, Harrisburg, PA 17101 Re: Item # 8 [Entered: 06/07/02], [DR] CORRESPONDENCE SETTING HEARING on 06/12/02 at 03:00 P.M. at Federal Building, Bankruptcy Courtroom [3rd Floor], Third & Walnut Streets, Harrisburg, PA 17101 Re: Item # 68, [DR], ORIGINAL NIBS DOCKET ENTRY #70 (Entered: 06/07/2002) 06/10/2002 72 CORRESPONDENCE from Movant confirming that matter will be heard on June 12,2002 at 3:00 p,m, Re: Item # 71, [JG], ORIGINAL NIBS DOCKET ENTRY #71 (Entered: 06/10/2002) 06/12/2002 73 PROCEEDING MEMO: conference held - test. taken - not ordered - Filius and McLucas Reporting; Debtor to make payment by 6-21-02. Matter continued till August 21st at 11 :00 a.m. If Debtor does not make a payment by June 21, 2002, Judge Bentz to take immediate action, Re: Item # 62, [CL] , ORIGINAL NIBS DOCKET ENTRY #72 (Entered: 06/12/2002) 06/13/2002 74 CORRESPONDENCE SETTING HEARING WITH JUDGE WARREN W, BENTZ on 08/21/02 at 11:00 A.M, at Federal Building, Bankruptcy Courtroom [3rd Floor], Third & Walnut Streets, Harrisburg, P A 17101 Re: Item # 8 [Entered: 06/13/02], [NP] CORRESPONDENCE SETTING HEARING WITH JUDGE WARREN W. BENTZ on 08/21/02 at 11:00 A.M, at Federal Building, Bankruptcy Courtroom [3rd Floor], Third & Walnut ~~ l::'j, ,i I: Ii iJ " ;,j " ~ -- - ..... ~ ~ ~'. '~ " ,J ", " , Ji.Mliww.af" USBC PAM - LIVE - V2.3 - Docket Report ., Page 9 of 16 , . Streets, Harrisburg, P A 17101 Re: Item # 68, [NP], ORIGINAL NIBS DOCKET ENTRY #73 (Entered: 06/13/2002) 06/14/2002 75 ORDER that debtor is to make payment by June 21, 2002, Matter continued till August 21,2002 at 11 :00 a,m. If debtor does not make a payment by June 21, 2002, Judge Bentz to take immediate action. Re: Item # 68, [DR], ORIGINAL NIBS DOCKET ENTRY #74 (Entered: 06/18/2002) 0711 0/2002 76 CORRESPONDENCE SETTING HEARING with Judge Warren W, Bentz on 08/21/02 at 11 :00 AM, at Federal Building, Bankruptcy Courtroom [3rd Floor], Third & Walnut Streets, Harrisburg, PA 17101 Re: Item # 67, [DR], ORIGINAL NIBS DOCKET ENTRY #75 (Entered: 07/10/2002) 08/21/2002 77 PROCEEDING MEMO: phone conference held. Movant to fax payment documentation to debtor and Judge Bentz, Debtor to respond on or before September 4, 2002, All matters held over to September 11,2002 at 2:30 p.m. No further notice required as both parties were present. Testimony taken, but not ordered. This entry also relates to docket #62 & #67. Re: Item # 8, [JG], ORIGINAL NIBS DOCKET ENTRY #76 (Entered: 08/21/2002) 08/22/2002 78 CORRESPONDENCE sent to Judge Bentz per his instructions at the hearing held August 21,2002. Attachments include Order dated June 14,2002 and payment history of Debtor. Re: Item # 8, [JG], ORIGINAL NIBS DOCKET ENTRY #77 (Entered: 08/27/2002) 08/26/2002 79 ORDER fixing hearing date on 11/06/02 at 09:30 AM, at Federal Building, Bankruptcy Courtroom [3rd Floor], Third & Walnut Streets, Harrisburg, PA 17101 Re: Item # 8 [Entered: 08/29/02], [DR] ORDER fixing hearing date on 11/06/02 at 09:30 AM. at Federal Building, Bankruptcy Courtroom [3rd Floor], Third & Walnut Streets, Harrisburg, PA 17101 Re: Item # 63 [Entered: 08/29/02], [DR] ORDER fixing hearing date on 11/06/02 at 09:30 AM, at Federal Building, Bankruptcy Courtroom [3rd Floor], Third & Walnut Streets, Harrisburg, PA 17101 Re: Item # 68, [DR], ORIGINAL NIBS DOCKET ENTRY #78 (Entered: 08/29/2002) 09/06/2002 80 ADVERSARY PROCEEDING FILED NO, 1-02.Q0222A [DEBTOR vs GENERAL ELECTRIC AUTO FINANCE SERVICES, INC.] re: To RecoveiMoney or Property, [DR], ORIGINAL NIBS DOCKET ENTRY #79 (Entered: 09/09/2002) 09/06/2002 B1 ADVERSARY PROCEEDING FILED NO, 1-02.Q0220A [DEBTOR vs NEXTEL PARTNERS,INC.] re: To Recover Money or Property , ~,- 00'" ,J----'. "i~1 USBC PAM - LIVE - V2.3 - Docket Report Page 10 of 16 '. [DR], ORIGINAL NIBS DOCKET ENTRY #80 (Entered: 09/09/2002) 09/11/2002 82 PROCEEDING MEMO: phone conference not held - order was issued on 8/26/02 fixing a new hearing date on 11/6/02 at 9:30 a.m.; the parties are aware of the new date. This entry also relates to docwnent #67, Re: Item # 8, [CL], ORIGINAL NIBS DOCKET ENTRY #81 (Entered: 09/12/2002) 11/04/2002 83 ENTRY OF APPEARANCE of VICKI PIONTEK, ESQ, on behalf of DEBTOR, [DS], ORIGINAL NIBS DOCKET ENTRY #82 (Entered: 11/05/2002) 11/06/2002 84 PROCEEDING MEMO: conference held Creditor to file Amended Claim. Court will provide Order confirming the Amended Plan. Re: Item # 8, [JG], ORIGINAL NIBS DOCKET ENTRY #83 (Entered: 11/06/2002) 11/07/2002 85 ORDER confirming amended plan Re: Item # 60 [Entered: 11/12/021, [DR] This entry disposes of motion, Re: Item # 62 [Entered: 11/12/02], [DR] This entry disposes of motion. Re: Item # 68 [Entered: 11/12/02], [DR] This entry disposes of motion, Re: Item # 69, [DR], ORIGINAL NIBS DOCKET ENTRY #84 (Entered: 11/12/2002) 11/07/2002 86 ORDER denying Re: Item # 63, [DR], ORIGINAL NIBS DOCKET ENTRY #85 (Entered: 11/13/2002) 12/23/2002 87 ANSWER by DEBTOR to Trustee's Certification of Default , [DR], ORIGINAL NIBS DOCKET ENTRY #86 (Entered: 12/23/2002) 12/30/2002 88 CORRESPONDENCE SETTING HEARING with Judge John J. Thomas on 02/10/03 at 10:00 A.M, at Federal Building, Bankruptcy Courtroom [3rd Floor], Third & Walnut Streets, Harrisburg, PA 17101 Re: Item # 87, [DR], ORIGINAL NIBS DOCKET ENTRY #87 (Entered: 12/30/2002) 02/03/2003 89 MOTION of Debtor to redeem property [1994 Dodge Caravan] [Requested Original Signature of Counsel to be filed], [DR], ORIGINAL NIBS DOCKET ENTRY #88 (Entered: 02/04/2003) 02/04/2003 90 ORDER that answers are due on 02/14/03 Re: Item # 89, [DR], ORIGINAL NIBS DOCKET ENTRY #89 (Entered: 02/04/2003) 02/10/2003 91 PROCEEDING MEMO re hearing not held - trustee's office reported J., ,. ' IIliiiiiill ~,,; USBC PAM - LIVE - V2.3 - Docket Report Page 11 of 16 this matter has settled. Re: Item # 87, [CL], ORIGINAL NIBS DOCKET ENTRY #90 (Entered: 02/10/2003) 02/13/2003 92 OBJECTION by WESSELS USED AUTOS Re: Item # 89, [SP], ORIGINAL NIBS DOCKET ENTRY #91 (Entered: 02/14/2003) 02/18/2003 93 CORRESPONDENCE SETTING HEARING with Judge John 1. Thomas on 03/31/03 at 10:00 A.M, at Federal Building, Bankruptcy Courtroom [3rd Floor], Third & Walnut Streets, Harrisburg, PA 17101 Re: Item # 92, [DR], ORIGINAL NIBS DOCKET ENTRY #92 (Entered: 02/18/2003) 02/18/2003 94 ADVERSARY PROCEEDING FILED NO, 1-03-D0030A [DEBTOR vs FIRST UNION NATIONAL BANK] re: To Recover Money or Property, [DR], ORIGINAL NIBS DOCKET ENTRY #93 (Entered: 02/19/2003) 02/18/2003 95 ADVERSARY PROCEEDING FILED NO, 1-03-D0031A [DEBTOR vs G.H. HARRIS, INC.] re: To Recover Money or Property, [DR], ORIGINAL NIBS DOCKET ENTRY #94 (Entered: 02/19/2003) 02/20/2003 96 CERTIFICATE of service Re: Item # 90, [DR], ORIGINAL NIBS DOCKET ENTRY #95 (Entered: 02/20/2003) 02/20/2003 97 CERTIFICATE of service Re: Item # 90, [DR], ORIGINAL NIBS DOCKET ENTRY #96 (Entered: 02/20/2003) 03/10/2003 98 MOTION to withdraw as counsel for the debtor by Vicki Piontek, Esquire, [DR], ORIGINAL NIBS DOCKET ENTRY #97 (Entered: 03/10/2003) 03/12/2003 99 CORRESPONDENCE SETTING HEARING with Judge John 1. Thomas on 05/05/03 at 10:00 A.M, at Federal Building, Bankruptcy Courtroom [3rd Floor], Third & Walnut Streets, Harrisburg, PA 17101 Re: Item # 98, [DR], ORIGINAL NIBS DOCKET ENTRY #98 (Entered: 03/12/2003) 03/31/2003 100 PROCEEDING MEMO re hearing held. Motion granted. Record taken, Statement of all compensation to be filed within 10 days, Re: Item # 98, [JG], ORIGINAL NIBS DOCKET ENTRY #99 (Entered: 04/01/2003) 03/31/2003 101 PROCEEDING MEMO re hearing held. Record taken, Motion granted. Objection to be withdrawn. Re: Item # 89, [JG], ORIGINAL NIBS DOCKET ENTRY #100 (Entered: 04/01/2003) 04/10/2003 102 ADVERSARY PROCEEDING FILED NO. 1-03-D0120A [DEBTOR . ~ - "0 'WlJ USBC PAM - LIVE - V2.3 - Docket Report '. Page 12 of16 vs FIRST UNION NATIONAL BANK a/k/a W ACHOVIA BANK] re: Injunction, [DR], ORIGINAL NIBS DOCKET ENTRY #101 (Entered: 04/10/2003) 04/15/2003 103 STATEMENT OF COMPENSATION by Vicki Piontek, Esquire Re: Item # 98, [DR], ORIGINAL NIBS DOCKET ENTRY #102 (Entered: 04/15/2003) 05/02/2003 104 ENTRY OF APPEARANCE of STEVEN J ADAMS ESQ on behalf of FIRST UNION NATIONAL BANK a/k/a W ACHOVIA BANK , [DS], ORIGINAL NIBS DOCKET ENTRY #103 (Entered: 05/02/2003) 05/07/2003 105 Motion to Modify Plan Filed by Maura A Jenkins (RE: related document(s)60). (pearlman, Susan) (Entered: 05/07/2003) 05/07/2003 110 Amended Chapter 13 Plan Filed by Maura A Jenkins (RE: related document(s).6Q, [105]), (pearlman, Susan) (Entered: 05/16/2003) 05/15/2003 106 Request for Notice under 2002 Filed by Heidi R Spivak of Law Offices of Mark J Udren & Assoc on behalf of Columbia National Inc , (Rushow, Brian) (Entered: 05/15/2003) 05/15/2003 107 Motion for Relief from Stay. Filing fee due in the amount of$ 75.00 Filed by Heidi R Spivak of Law Offices of Mark J Udren & Assoc on behalf of Columbia National Inc , (Ripple, Dawn) (Entered: 05/16/2003) , 05/15/2003 Receipt of Motion for Relief from Stay Filing Fee, Receipt Number 595382 Fee Amount $ 75 (RE: related document(s)[107]), (Ripple, Dawn) (Entered: 05/16/2003) 05/15/2003 108 Certificate of Non-Concurrence Filed by Heidi R Spivak of Law Offices of Mark J Udren & Assoc on behalf of Columbia National Ill(: (RE: related document(s)[107]). (Ripple, Dawn) (Entered: 05/16/2003) 05/15/2003 109 Request for admission Filed by Heidi R Spivak of Law Offices of Mark J Udren & Assoc on behalf of Columbia National Inc (RE: related document(s)[107]), (Ripple, Dawn) (Entered: 05/16/2003) 05/16/2003 111 Notice sent to pro se debtor for mailing fixing answer/objection date (RE: related document(s)110), (Pearlman, Susan) (Entered: 05/16/2003) , 05/19/2003 112 Order (RE: related document(s)[107]), Answers are due on: 6/3/2003. Hearing scheduled for 6/11/2003 at 01 :00 PM at 3rd & . , ~'" , , DSBC PAM - LIVE - V2.3 - Docket Report " Page 13 of 16 Walnut Streets, Bankruptcy Courtroom (3rd Floor), Federal Building, Harrisburg, PA. (Ripple, Dawn) (Entered: 05/19/2003) OS/23/2003 113 Certificate of Service Filed by Heidi R Spivak of Law Offices of Mark J Ddren & Assoc on behalf of Columbia National rnc (RE: related document(s)[112], [107]), (Ripple, Dawn) (Entered: OS/23/2003) 06/04/2003 114 Answer Filed by MauraA Jenkins (RE: related document(s)[109], [107] ). (Ripple, Dawn) (Entered: 06/05/2003) 06/04/2003 115 Certificate of Mailing re: Notice on Chapter 13 Plan Amendment Filed by MauraA Jenkins (RE: related document(s) 11 0 ). Last day to Object to Plan Confirmation 6/29/2003. (Ripple, Dawn) (Entered: 06/05/2003) 06/11/2003 116 Correspondence filed by Heidi R Spivak: of Law Offices of Mark J Ddren & Assoc on behalf of Columbia National rnc, to cancel hearing. Matter will be settled by stipulation to be filed within thirty (30) days, (RE: related document(s) [I 12] ). (JG) (Entered: 06/11/2003) 06/13/2003 117 Motion to Dismiss Case for material default and hearing notice to parties. Filed by Charles J, Dehart III (RE: related document(s)l ), Hearing scheduled for 7/10/2003 at 02:00 PM at 3rd & Walnut Streets, Bankruptcy Courtroom (3rd Floor), Federal Building, Harrisburg, PA. (Ripple, Dawn) (Entered: 06/13/2003) 06/19/2003 118 Certificate of Mailing re: Notice on Chapter 13 Plan Amendment Filed by Maura A Jenkins (RE: related document(s)110 ), Last day to Object to Plan Confirmation 7/12/2003. (Ripple, Dawn) (Entered: 06/19/2003) 07/03/2003 119 Stipulation by debtor and Ch, 13 trustee in satisfaction of the Trustee's Motionto Dismiss. Filed by Charles 1. Dehart III (RE: related document(s)[117]). (Ripple, Dawn) (Entered: 07/03/2003) 07/03/2003 120 Order approving Stipulation (RE: related document(s)[119]), (Ripple, Dawn) (Entered: 07/03/2003) 07/14/2003 Adversary Proceeding 03-120 Dismissed. (DR) (Entered: 07/16/2003) 07/16/2003 Adversary Proceeding 03-31 Dismissed. (DR) (Entered: 07/16/2003) 07/17/2003 121 Stipulation between Debtor and Columbia National, rnc, in Settlement of the Motion for Relief from Automatic Stay. Filed by Heidi R Spivak of Law Offices of Mark J Ddren & Assoc on behalf - -. U.I~ '~~ ". " ",., -~-, -'," , "'~'~ "'"',,--,1 USBC PAM - LIVE - V23 - Docket Report " Page 14 of16 of Columbia National Inc (RE: related document(s)[107]), (DR) (Entered: 07/17/2003) 07/17/2003 122 Order approving Stipulation (RE: related document(s)[121]), (DR) (Entered: 07/17/2003) 09/11/2003 123 Order Confirming Chapter 13 Plan (RE: related document( s) 11 0 ), (DR) (Entered: 09111/2003) 09/23/2003 124 Certificate of Default Filed by Heidi R Spivak of Law Offices of Mark J Udren & Assoc on behalf of Columbia National Inc (RE: related document(s)[122] ). (DR) (Entered: 09/23/2003) 09/24/2003 125 Answer to Certificat~ of Default Filed by Maura A Jenkins (RE: related document(s)[124] ). (SP) (Entered: 09/24/2003) 09/25/2003 126 Notice to Parties: (RE: related document(s)[125], [124]). Hearing scheduled for 11/3/2003 at 10:00 AM at 3rd & Walnut Streets, Bankruptcy Courtroom (3rd Floor), Federal Building, Harrisburg, PA. (DR) (Entered: 09/25/2003) 10/14/2003 127 Motion to Dismiss Case for material default and hearing notice to parties. Filed by Charles J DeHart, III (RE: related document(s)l ), Hearing scheduled for 11/13/2003 at 02:00 PM at 3rd & Walnut Streets, Bankruptcy Courtroom (3rd Floor), Federal Building, Harrisburg, PA. (JR) (Entered: 10/14/2003) 11/03/2003 128 PraecipelWithdrawal Chapter 13 Case. Filed by Maura A Jenkins (RE: related document(s)l). (DR) (Entered: 11/0412003) ( < "- D Proceeding Memo: Hearing held on Columbia National's certificate of 11/03/2003 129 ------ default and Debtor's answer thereto, (1) Debtor withdraws current "- request to dismiss this Chapter 13, (2) Court dismisses new Chapter 13 filed today. (3) Relief from stay is granted Columbia National, v except that foreclosure sale cannot occur for sixty (60) days, Notice of this disposition to be served by the Clerk. (RE: related document(s) [125], [122], [124] ). (EW) (Entered: 11/04/2003) 11/04/2003 130 Certificate of Service Filed by the Clerk's Office, (RE: related document(s)129 ). (DR) (Entered: 11/04/2003) 11/05/2003 131 Praecipe to Convert (Absolute Right) to Chapter 7. Trustee Charles 1. Dehart removed from the case. A new Trustee will be appointed. Filing fee due in the amount of $ 15.00 Filed by Maura A Jenkins (RE: related document(s)l), (DR) (Entered: 11/06/2003) 11/05/2003 Receipt of Conversion Fee. Receipt Number 602350 Fee Amount $ "" ......""', - .1" ~ , "" ~ . !lEi USBC PAM - LIVE - V2.3 - Docket Report " Page 15 of 16 15.00 (RE: related document(s)[131]). (DR) (Entered: 11/20/2003) 11/06/2003 132 Orderre: filing fee due in the amount of$ 15.00, (RE: related document(s)[131]), Fee due on: 11/13/2003, (DR) (Entered: 11/06/2003) 11/07/2003 133 Application to Employ MC Walker Realty as Realtor Filed by Maura A Jenkins, (DR) (Entered: 11/1012003) 11/12/2003 Tentative Date for Meeting of Creditors. THIS IS SUBJECT TO CHANGE. . 12/19/2003 at 09:00 AM. (DB) (Entered: 11/1212003) 11/1712003 134 Order Dismissing Case (RE: related document(s)[132]), (DR) (Entered: 11/17/2003) 11/1912003 135 BNC Certificate of Mailing. Service Date 11/19/2003, (Related Doc # 134) (Admin.) (Entered: 11/20/2003) 11/19/2003 136 Motion to Reconsider Order and Reinstate Case, Filed by Maura A Jenkins (RE: related document(s)134 ), (DR) (Entered: 11/20/2003) 11/19/2003 137 Motion to Avoid a Lien with Daniell Caruso. Filed by Maura A Jenkins, (DR) (Entered: 11/2012003) 11/1912003 138 Final Report and Statement of Post-Petition Debts Filed by Maura A Jenkins (RE: related document(s)[131] ). (DR) (Entered: 11/20/2003) 11/1912003 140 Individual Debtor's Statement ofIntentions Filed by Maura A Jenkins, (BR) (Entered: 11/21/2003) 11/2112003 139 Order Granting Motion To Reconsider and Reinstating Case, (RE: related document(s)[136] ), (DR) (Entered: 11/21/2003) 11/21/2003 141 Order (RE: related document(s)[137] ), Answers are due on: 12/11/2003, (DR) (Entered: 11/21/2003) 12/02/2003 142 Order Approving Employment of M.C. Walker Realty as Real Estate Agent. (RE: related document(s)[133] ). (DR) (Entered: 12/02/2003) 12/03/2003 143 Rejection of Trustee's Appointment, Lawrence G, Frank removed from the case, Filed by Lawrence G. Frank, (BR) (Entered: 12/05/2003) 12/1012003 144 Rejection of Trustee's Appointment. Markian R Slobodian removed from the case. Filed by Markian R Slobodian, (DP) (Entered: 12/12/2003) I ..- --, -'I -~ . -,~, , , ~ ' , --" L~ USBC PAM - LIVE - V2.3 - Docket Report .' I t. ~ Page 16 of16 12/12/2003 Tentative Date for Meeting of Creditors, THIS IS SUBlliCT TO CHANGE. , 1/28/2004 at 02:00 PM. (BR) (Entered: 12/12/2003) 12/31/2003 145 Request to BNC - Meeting of Creditors . 341(a) meeting to be held on 1/28/2004 at 03:00 PM Holiday Inn Ho1idome, 2000 Loucks Rd, York, P A 17404 Last day to oppose discharge or dischargeability is 3/28/2004 (BR) (Entered: 12/31/2003) 12/31/2003 146 Order directing the Debtor to file a List of Post-Petition Debts in a format seperate from the debts listed in her original schedules within (10) ten days or the case will be dismissed. (RE: related document( s) [138] ). (DR) (Entered: 12/31/2003) 01/02/2004 147 BNC Certificate of Mailing. Service Date 01/02/2004. (Related Doc # 145) (Admin,) (Entered: 01/06/2004) , PACER Service Center I Transaction Receipt I I 01127/200415:58:59 I Ip ACER Login: l~a0060 IIClient Code: I IDescription: IIDocket Report IICase Number: 111:01-bk-00689-MDF I IBillable Pages: 118 IICost: 110.56 I ~- , ,~- . ~ ..;' ,,' "-" "w .- "-(" """,;;,,,: "',... ,_ _"., "'_~. """'O~! " . GOLDBECK McCAFFERTY & McKEEVER A Professional Corporation Suite 500 - The Bourse Bldg. 111 S. Independence Mall East Philadelphia, PA 19106 (215) 627-1322 FAX (215) 627-7734 JOSBI'H A. GOLDBECK, JR. GARY E. McCAffERTY MiCHAEl T. McKEEVER KRISTINAG_MUWJ1lA Ocm:her 3, 2000 Office of the Prothonotary CUMBERLAND COUNTY COURTHOUSE I Courthouse Square Carlisle, PA 17013 RE: COLUMBIA NATIONAL INC. VS. JENKINS COURT OF COMMON PLEAS OF CUMBERLAND COUNTY NO.: 00-3072 CIVIL TERM Dear Sir\Madam: Enclosed herewith please fmd an original and a copy of Plaintiffs Motion for Summary Judgment with regard to the above-referenced matter. Kindly file the same of record with the Court and return a time-stamped copy in the self-addressed stamped envelope enclosed herewith. V~_ -:) yo" ~~~ "#"" MICHAEL T. MCKEEVER MTM/nb Enclosure cc: Maura A. Jenkins, Pro Se Lynne Collins No.: 2180998 r /lJ- C~p r - - ~ ." ," ''''',---~ h- "',"'"",',,,,:,,'~~-'~'--<"""~ "."',-,~,~,-"__,",,>~,,.,c' ,", "-il .. .. GOLDBECK McCAFFERTY & McKEEVER A Professional Corporation By: Michael T, McKeever, Esquire Attorney LD, # 56129 Suite 500 - The Bourse Bldg, 111 S. Independence Mall East Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff COLUMBIA NATIONAL INC. 7142 Columbia Gateway Drive Columbia, MD 21046-2132 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY vs. MADRA A. JENKINS (Mortgagor and Record Owner) 24 W, Locust Street Mechanicsburg, PA 17055 NO. 00-3072 CIVIL TERM ORDER AND NOW, this day of 2000, upon consideration of Plaintiff's Motion for Summary Judgment, it is ORDERED: That Summary Judgment is hereby granted in favor of Plaintiff for the dollar amount due as of the filing of the Complaint ($77,158,85) plus interest at the rate set forth in the note, fees and costs and other charges in accordance with the terms of the mortgage and note and the demand of the Complaint. '-'''',:' BY THE COURT: 1. "-- '" "~,,," ' _ ",.,'_, "~,c,'o' ",,,0' "~'\''''_ '" IS, , '- GOLDBECK McCAFFERTY & McKEEVER A Professional Corporation By: Michael T, McKeever, Esquire Attorney I.D. # 56129 Suite 500 - The Bourse Bldg. III S. Independence Mall East Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff COLUMBIA NATIONAL INC. 7142 Columbia Gateway Drive Columbia, MD 21046-2132 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY vs. MAURA A. JENKINS (Mortgagor and Record: Owner) 24 W, Locust Street Mechanicsburg, PA 17055 NO, 00-3072 CIVIL TERM PLAINTIFF'S MOTIONFORSU~YJUDGMENT AND NOW, this Plaintiff moves this Court for Summary Judgment in accordance with Pennsylvania Rule of Civil Procedure No, 1035,1 et seq, for the following reasons: 1. There is no genuine issue of fact or law upon which the Defendant would be entitled to relief. WHEREFORE, Plaintiff moves for Summary Judgment in its favor. -, ~~.. ','0, >__, h," ,,'--' '~_~'~--_"..;.,_"""", ^'~-,k..~ ,".~;'. ,,-,' .,C, ~-';"~:i , "- GOLDBECK McCAFFERTY & McKEEVER A Professional Corporation By: Michael T. McKeever, Esquire Attorney J.D. # 56129 Suite 500 - The Bourse Bldg. III S, Independence Mall East Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff COLUMBIA NATIONAL INC. 7142 Columbia Gateway Drive Columbia, MD 21046-2132 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY vs. MAURA A. JENKINS (Mortgagor and Record Owner) 24 W. Locust Street Mechanicsburg, PA 17055 NO. 00-3072 CIVIL TERM CERTIFICATE OF SERVICE OF PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT Michael T. McKeever, Esquire, hereby certifies that he did serve true and correct copies of Plaintiff's Motion for Summary Judgment, Memorandum of Law in Support and all supporting papers by first class mail, postage pre-paid, on October 3, 2000 upon the following: Maura A. Jenkins, Pro Se 24 W. Locust Street Mechanicsburg, PA 17055 "::~, '-,' .",. c,,' ~_-,"'__; "' ,_~T_'>~" " 'd ' '~" ~ " GOLDBECK MCCAFFERTY & MCKEEVER A Professional Corporation By: Kristina G. Murtha, Esquire Attorney LD. # 61858 Suite 500 - The Bourse Bldg. 1 liS, Independence Mall East Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff COLUMBIA NATIONAL INC. 7142 Columbia Gateway Drive Columbia, MD 21046-2132 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY vs. MADRA A. JENKINS (Mortgagors and: Record Owners) 24 W. Locust Street Mechanicsburg, PA 17055 No. 00-3072 CIVIL TERM AFFIDAVIT IN SUPPORT OF PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT TUn"! N. ;J~m 1-1 , being duly sworn according to law, deposes and says: I. I am the f)f;'Jt' ,er?A5Urer . for and representative of Plaintiff. I am authorized to make and do make this affidavit on behalf of Plaintiff; and that the facts set forth in the foregoing Motion for Summary Judgment are true and correct to the best of my knowledge, information and belief, 2" I have personal knowledge of the matters referred to in Plaintiffs",~otion and as set forth below, I make this affidavit in support of Plaintiffs Motion for Summary Judgment, that the facts set foRh below are admissible in evidence and I am competent to testify to the matters stated herein, ~~ ~ ~. " , '- 3, The Defendants, MAURA A. JENKINS, made, executed and delivered a Mortgage upon the premises, 24 W. Locust Street, Mechanicsburg, PA 17055, on May 12, 1995 to COLUMBIA NATIONAL INC.. 4, The Mortgage has not been assigned, 5. The Mortgage is in default because monthly payments of principal and interest due December 1, 1999 and eaehmonth thereafter are due and unpaid. At no time from December 1,1999 to the present haslhave the Defendant(s) tendered the amount of payments required to bring the Mortgage current and I have at all times been willing to accept same_ 6. A Notice of Homeowners' Emergency Mortgage Assistance Act of 1983 has been sent to the Defendants by regular mail in accordance with Act 9 I of 1983 of the Commonwealth of Pennsylvania on the date set forth in the true and correct copy of the Notice attached to the Complaint. The Defendants haslhave not had the required face to face meeting within the required time and Plaintiff has no knowledge of any such meeting being requested by the Defendants through the Plaintiff, the PelUlsylvania Housing Finance Agency, or any appropriate Consumer Credit Counseling Agency, 7. The amounts due and owing on the mortgage in question as of the filing of the Complaint are as follows: Principal Balance Interest from 11/ 1/99 through 3/31/00 at 8.500% Per diem interest rate at $16.38 Attorney's Fee at 5% of Principal Balance Late Charges 12/ 1/99- 3/31/00 Monthly late charge amount at $25.93 Costs of suit and Title Search $ 70,335.1 9 2,489.76 3,516.76 103.72 560.00 $ 77,005.43 153.42 Escrow Balance Deficit "._~ " -' "~~ <__i ~', " I, '"' --;' ~, ,- > _"'''~ _ .'" ,",.,.', :";1 , Monthly Escrow amount $182,01 $ 77,158.85 I hereby verify that any exhibits attached hereto are true and correct copies of the originals and I declare all of the foregoing to be true and correct SWORN TO AND SUB~(\\R!IlilIi'i)i, ~\\..'OOVVI./. )://~ ..~o'" .....(1 ..-"'~ before me this Clp'$ '" ....... ^ 13.)':. Y' ~ " ....,.0 t\."d' \ ..... m" '<: '\" \ ~ --:, \<.- = i!: : I) 200n~: - :: :; \' '010S 'A ",0 \ '\:l'~\. i~~ Ii .0 ^ .0 :::::; }~.......~." ~ z ~.... *otary Public ~/l /11 ~\\,~ 111/JI1I11I1\\\~ " u -- (ftl'14 ,,] f1-5.:J/ /It(?A--G d<r VICKI L W1WAMS ' NOTARY PUBLIC BALTIMORE CI1Y, MD MY COMM. EXPs, NOV. 1. 2002 -,",-,. .' ~ -, '-c ,~.. '~" ",'.^_, o~"L,,~ "",_,~,_='.'"'''' ""'~4- '''''~"",'~,;,''~ ' filti GOLDBECK MCCAFFERTY & MCKEEVER JOSEPH A. GOLDBECK, JR. Attorney I.D.#16132 Suite 500-The Bourse Building 111 S. Independence Mall East Philadelphia, PA 19106 215-627-1322 BY: MICHAEL T. MCKEEVER, ESQUIRE Attorney I.D. #56129 Attorney for Plaintiff o' COLUMBIA NATIONAL INC. 7142 Columbia Gateway Dr. Columbia, MD 21046-2132 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY vs. No. 00-3072 MAURA A. JENKINS (Mortgagor and Real Owner) 24 W. Locust Street Mechanicsburg, PA 17022 PLAINTIFF'S MEMORANDUM OF LAW IN SUPPORT OF MOTION, FOR SUMMARY JUDGMENT I. PROCEDURAL HISTORY This is an Action of Mortgage Foreclosure brought against the Defendant who is the Mortgagor and Real Owner of the real property located at 24 W. Locust Street, Mechanicsburg, PA 17022 ("Property"). Plaintiff filed a Complaint and Defendant filed an Answer. Plaintiff now moves for Summary Judgment and this memorandum is offere!d "',~~.,. in support of Plaintiff's Motion. II. LEGAL ARGUMENT . Summary judgment is governed by Pa.R.C.P. 1035.1 ~ seC[. Pa. R. C. P. 1035.2 provides that "After the relevant pleadings are closed. but within such time as not to unreasonably delay trial, any party may move for summary judgment...." Surrnnary judgment is -. . '.' " ~ ~ c ,1-, ' 4" ~,'_=' "~ -""'_..~"';' '" ''''-_'"," ,,,-;0.,,- -.". '-"~'I appropriate to be entered: (~) whenever there is no genuine issue of any material fact as to a necessary element of the cause of action or defense..." Pa.R.e.P. 1035.2(1). Pa.R.e.p. No. ~141 notes that the foregoing assumpsit rule shall apply to Actions of Mortgage Foreclosure. Pa.R.e.P. 1035.2(2) requires the party who opposes the motion to provide the Court, in response to the motion, with ".. .evidence of facts essential to the . . defense which, in a jury trial, would require the issues to be submitted to a jury." Rule 1035.3 states, in pertinent part: (a) The adverse party may not rest upon the mere allegations or denials of the pleadings but must file a response within thirty days after service of the motion identifying (1) one or more issues of fact arising from evidence in the record controverting the evidence cited in support of the motion or from a challenge to the credibility of one or more witnesses testifying in support of the motion... Plaintiff has included an affidavit in support of its Motion for Summary Judgment, pursuant to Pa. R. C. P. 1035.4, which states in relevant part: Supporting and opposing affidavits shall be made on personal knowledge, shall set forth such facts as would be admissible in evidence, and shall show affirmatively that the signer is competent to testify to the matters stated therein. Verified or certified copies of all papers or parts thereof referred to in an affidavit shall be attached thereto or served therewith. The court may permit affidavits to be supplemented or opposed by "depositions, answers to interrogatories, or furtherc_effidavits. The only issue before the Court is whether Defendant's Answer raises any legal or factual issue which provides a basis for denying Plaintiff its request for summary judgment. Plaintiff respectfully suggests it does not. Defendants admit paragraphs 1, 2, 3 and 4 of the Complaint, - - ~~ ,L j~'. ,~,,' ~ ' '''~- ." ,,~,-.- ."".;' ~'" '"~ ''--.Z' specifically the identities of the parties, the making, execution, delivery, recordation and assignment of the mortgage in question and the legal description of the Property. Paragraphs 5 and 6 of the Complaint contain the specific averments of default and amounts due and owing upon the mortgage required to be averred in actions of mortgage foreclosure as set forth in Pa.R.C.P. No. 1147 (4) and (5). In response to Plaintiff's allegation of defauI1:, Defendant admits default, but offers to cure the arrears in a bankruptcy plan which has been dismissed and which Defendant hopes to reinstate. Plaintiff respectfully suggests this admission of default unconditionally supports Plaintiff's request for sununary judgment. Landau v. Western Pa. Nat. Bank. 282 A.2d 335 (Pa. Super. 1971) . Regarding Defendant's proposal to repay the arrears through a bankruptcy plan, Plaintiff respectfully suggests this is not a defense to the instant foreclosure action, The bankruptcy to which Defendant refers has been dismissed; any proposal involving reinstatement of the {lei(: ,Jj.w f- plan is merely speculative. While t admittedly retains the right to file bankruptcy as permitted under the U. S. Bankruptcy Code, unless and until she does so, she remains in default and Plaintiff is entitled to / proceed with and pursue the matter now before the court. The same reasoning applies to Defendant's allegations of changed circumstances: this is not a defense to the instant actiQ~ and, absent repayment to Plaintiff in an active bankruptcy plan, Plaintiff should be granted summary judgment and permitted to proceed with foreclosure. Thus, while Defendant's default is a legal conclusion, Plaintiff respectfully suggests this honorable Court should conclude, based upon the admissions of the Defendants and the verified facts of Plaintiff in -- " ~"" -- "~j its affidavit in support of its Motion, that Plaintiff is entitled to summary judgment, AS for Defendant's general denials regarding/allegations that the damages are incorrectly calculated, Plaintiff respectfully suggests this is not a basis to deny Plaintiff judgment as a matter of law. Default in an action of mortgage foreclosure is an absolute. Once default under the tenns of the mortgage has been established, the court must enter judgment in favor of the holder of the mortgage. The question of accounting is saved for another day, specifically, after a Sheriff's Sale of the Property. The Supreme Court of pennsylvania held in Landau. supra at 335, The mortgagors are unquestionably entitled to an accounting, but that accounting is not due until the property is sold at Sheriff's Sale and distribution of the proceeds is made. Judgment in mortgage foreclosure action must be entered for a sum certain or no execution could ever issue on it. This Supreme Court decision directs a court to enter summary judgment in favor of the plaintiff/mortgagee where the defendant/mortgagor admits the default upon the mortgage. .ill... at 340. Pennsylvania Courts have long and repeatedly upheld the reasonableness and enforceability of a request in an action of mortgagre foreclosure for attorney's fees equal to 5% of the principal balance of the mortgage as demanded in Plaintiff's Complaint at paraeraphs 6 and 7. Robinson vs. Loomis. 51 Pa. 78 (1865); Galligan vs. Heath. 260 Pa. 457 (1919);. Foulke vs. Hatfield Fair Grounds Bazaar. Inc.. 196 Pa. Super Ct, 155 (1961); First Federal S&L Assn. vs. Street Road Shopping Center, 68 D & C 2d 751, 75 (Bucks County) (1974). Moreover, as further explained in paragraph 7 of Plaintiff's ~ ~ -. ~~ '"' ~, ,~-,'" -".. <<-",," , ~ , ..~ Complaint, the attorney's fees demanded in Paragraph 6 of Plaintiff's Complaint would only be collected in the event of a third party purchaser at Sheriff's Sale. Defendant continues to have the option of paying all arrears and costs up to one hour before the Sheriff's Sale in conformity with the provisions of Act 6 in which case attorney's fees will be assessed based on work actually performed. SE!e. Pennsylvania Act 6 of 1974, 41 P.S. Section 40l et. seq. Plaintiff notes further, that Defendant, in 17 of her Answer, admits and agrees with Plaintiff's assertions that the attorney's fees are in conformity with the mortgage documents and Pennsylvania law. Regarding Defendant's assertions that the fees and costs are included in Defendant's amended Chapter 13 bankruptcy plan, Plaintiff notes: 1) Plaintiff has obtained relief from the automatic stay of that plan and so is not bound thereby (see, docket entries attached hereto as Exhibit E); 2) the bankruptcy has been dismissed (see, Exhibit E); and 3) Defendant's proposed plan is merely speculative and not binding upon this honorable court. Accordingly, Plaintiff respectfully suggests this response does not raise any genuine issue of law or fact and so does not bar entry of surmnary judgment in Plaintiff's favor. Defendant admits Paragraph 8 of the Complaint that Plaintiff fully complied with Act 91 of 1983 and Act 6, by sending the.g.~w, combin'3d Act 91/Act 6 notice, also referred to as the Act l60 notice. III. CONCLUSION All material averments of the within motion are verified in the attached signed and sworn affidavit pursuant to Pa.R.e.P. No. l035. Defendant cannot simply rely upon the averments of the Answer to raise , .- -K ,-,'.- ~.-'" " <" L,.>"t_,~ ;',,_"-,~,.,,;<_", '_',,,,", "'" ,"_'-" - "". , L an issue of fact. Phaff VS. Gardner. 451 Pa. 146, 303 A2d 352 (1973). Accordingly, Defendant's answer admits all material facts, there are no issues of material fact and the Court should grant Plaintiff's Motion for Summary Judgment. Respectfully submitted, GOLDBECK MC~~RTY MCKEEVER /~ ./-- -:.::'~'/ BY: MICHAEL T. . c,.J,;,_ "" . .' . "-~ ,-'-,- .. ,'-,--.., '"'" ~ ". ;c. ~, "" J1.i:; " ~ ~ GOLDBECK MCCAFFERTY & MCKEEVER JOSEPH A. GOLDBECK, JR. Attorney I.D.#16132 Suite 500-The Bourse Building 111 S. Independence Mall East Philadelphia, PA 19106 215-627-1322 BY: MICHAEL T. MCKEEVER, ESQUIRE Attorney I.D. #56129 Attorney for Plaintiff COLUMBIA NATIONAL INC. 7142 Columbia Gateway Dr. Columbia, MD 21046-2132 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY vs. No. 00-3072 MAURA A. JENKINS (Mortgagor and Real Owner) 24 W. Locust Street Mechanicsburg, PA 17022 Exhibit List A Complaint in Mortgage Foreclosure B Answer to Complaint C Mortgage D Note '-'<f',~";' .~, ~,L- --, "'~ ~. GOLDBECK McCAFFERTY BY: Joseph A. Goldbeck, Attorney LD.#16132 Suite 500 - The Bourse Bldg. III S. Independence Mall East Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff & McKEEVER Jr. i r! I :j- 'f TH,<'\T TH\ .:' r-', .,~-l;:;EC r ATTORNEY COpy COLUMBIA NATIONAL INC. 7142 Columbia Gateway Drive Columbia, MD 21046-2132 Plaintiff IN THE COURT OF COMMON PlLEMb S~ 0 OF CUMBERLAND Comijlji ?: CIVIL ACTION - rJ~"; ~: C~E --.. v :ACTION OF MORTGAGE FOR~tpS~~ .J.- ~~ ---:? -'j ~...) -~:.... f ''',) vs. MADRA A. JENKINS (Mortgagor(s) and Real Owner(s)) Term No. 24 W. Locust Street Mechanicsburg, PA 17055 Defendant(s) CiVIL ACTION: MORTGAGE FORECLOSURE Cx:.>-207~ C;UtL c.)~) THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. NOTICE You have been sued in court_ If you wish to defend agaiost the claims set forth in the following pages, you must take action within twenty {20) days after the Complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You ~re warDed that if you fail to do so the case may proceed without you and a judgment may he 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 ilnportant. to you.. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAW A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET to'ORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP_ CUmberland County Bar Association 2 Liberty Avenue, Carlisle, PA (SOO) 990-910S Legal Services Inc. B Irvine Row, Carlisle, ~^ 17013 (717) 243.9400 A V ISO LE HAN DEMANDADO A USTED EN LA CORTE. SI DESEA DEFENDERSE CONTRA LAS QUEJAS PERESENTADAS. ES ABSOLUTAMENTE NECESSARIO QUE USTED RESPONDA DENTRO DE 20 DIAS DBSPUES DE SER SERVlOO CON ESTA DEMANDA Y AVISO. PARA DEFENDERSE ES NECESSARIO QUE USTED, 0 SU ABOGADO, REGISTRE CON LA CORTE EN FORMA ESCRITA, EL PUNTO DE VISTA DE USTED Y ctJALQUIER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA. RECUERDE; 81 USTED NO REPONDE A ESTA DEMANDA, SE PUEDE PROSEGU!R CON EL PROCESO SIN SU PARTICIPACION. ENTONCES, LA COlJ'I'E PUEDE, SIN NOTIF1CARI0, DECIDIR A FAVOR DEL DEMANDANTE Y RBQ1JER.lRA QUE USTED CUMPLA CON 'l'ODAS LAS PROVISIONES DE4&STA DEMANDA. POR RAZON DE ESA DECISION, ES POSSIBLE QUE USTED PUEDA PERDER DlNERO, pROPIEDAD U OTRQS DERECHOS IMPORTANTES. LLEVE ESTA DEMANOA A UN ABOGADQ IMMEDIATAMENTE. 51 NO CONOCE A UN ABOGAOO, I,LAME AL "LAWYER REFERENCE SERVICE" (SERVICIO DE RBFERENCIA DE ABOGADOS) , 215-238 6300. Cumberland County Bar Association 2 Liberty Avenue, Carlislr, PA (BOO) 990-9108 Exhibit A Legal Services !onc. 8 Irvine Row, Ca:cli~le> I'll. 17013 (717) 243-9400 ." ~,."., '.' .. -^~ o -rl :=1 j-\I! ,li-n -.'y ~~~~ ~2tj (5rfl ~ ::< ,~ " ,~ v_ ". . ~"_;, . _~,_;. ,_~ .".__ ~~- _""~_" 0;-' ""'_~"'-'_. ,_, -'-Ok]; rOMPLAINT IN MO&TGAGE FORECLOSURE 1. Plaintiff lS COLUMBIA NATIONAL INC., 7142 Columbia Gateway Drive, Columbia, MD 21046-2132. 2. The name(s) and address (es) of the Defendant(s) is/are MAURAA. JENKINS, 24 W. Locust Street, Mechanicsburg, PA 17055, who is/are the mortgagor(s) and real owner(s) of the mortgaged property hereinafter described. 3. On May 12, 1995, mortgagor(s) made, executed and deli vered a mortgage upon the premises hereinafter described to COLUMBIA NATIONAL INC., which mortgage is recorded in the Office of the Recorder of Deeds of Cumberland County in Mortgage Book 1262, Page 938. The mortgage has not been assigned. These documents are matters of public record and are incorporated herein by reference in accordance with Pennsylvania Rule of Civil Procedure 1019(g). 4. The premises subject to said mortgage is described as attached. 5. The mortgage is in default because monthly payments of principal and interest upon said mortgage due December 1, 1999, and each month thereafter are due and unpaid, and by the terms of said mortgage, upon default in such payments for a period of one month, the entire prlncipal balance and all interest due thereon are collectible forthwith. 6. The following amounts are due on the mortgage: Principal Balance Interest from 11/ 1/99 through 3/31/00 at 8.500% Per diem interest rate at $16.38 Attorney's Fee at 5% of Principal Balance Late Charges 12/ 1/99- 3/31/00 Monthly late charge amount at $25.93 Costs of suit and Title Search $ 70,335.19 2,489.76 3,516.76 103.72 560.00 $ 77,005.43 153.42 Escrow Balance Deficit Monthly Escrow amount $182.01 -,----." $ 77 , 158 .85 7. Toe Attorney's Fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriff's Sale. If the Mortgage is reinstated prior to the Sale reasonable Attorney's Fees 'lll be charged based on work actually performed, 8. Notice of Intention to Foreclose and a Notice of ~~ Homeowners' Emergency Mortgage Assistance has been sent to Defendant(s) by Certified and regular mail, as required by Act 160 of 1998 of the Commonwealth of Pennsylvania, on the date(s) set forth in the ,true and correct copy of such notice(s) attached hereto as Exhibit "A". The Defendant(s) has/have not had the required face to face meeting within the required time and Plaintiff has no knowledge of any such meeting being requested by the Defendant(s) through the Plaintiff, the Pennsylvania Housing Finance Agency, or any appropriate Consumer Credit Counseling Agency. WHEREFORE, Plaintiff demands judgment in mortgage foreclosure the sum of $77,158.85, together with interest at the rate of $16.38, per day and other expenses incurred by the Plaintiff which are properly chargeable in accordance with the terms of the mortgage, and for the foreclosure and sale of the mortgaged premises. & McKEEVER Jr., Esq. - - ~ Lr - -,' '" ^, ' ~ - :, :--~ '::;",- _,c_ 'C ili MAR 29 '00 02:49PM P.5/6 VERIFICATION I, 0Dlli'\ Ovf-fM '-fer , as the representative of the plaintiff corporation within named do hereby verify that I am authorized to and do make this ve;cLfication on behalf of the plaintiff corporation and the facts set forth in the foregoing complaint are true and correct to the best of my knowledge, information and belief. I understand that false statements therein are made subject to the penalties of 18 Pa. C.S. 4904 relating to unsworn falsification to authorities. Date:~']1 2.,000 #2180998 - JENKINS,MAURA A. ,,-~:' " " ~"-- ,", ',--, , >,' -. -~--- "'~, -.. - -." - ....'1iiI1 'f EXHIBIT "A" ALL THAT CERTAIN piece or parcel of land situate in the Borough of Mechanicsburg, County of Cumberland and State of Pennsylvania, bounded and described as follows, to wit: BEGINNING at a point at the comer of West Locust Street and Lamont Alley; thence by Lamont Alley in a northerly direction, 93.00 feet to Stouffer Alley; thence by Stouffer Alley in an easterly direction, 35.00 feet, more or less, to lands now or formerly of Snyder; thence by lands now or formerly of Snyder in a southerly direction, 93.00 feet to a point on the western line of Locust Street; thence by the western line of Locust Street in a westerly direction, 35.00 feet, more or less, to a point, the place of BEGINNING. HAVING THEREON ERECTED a two-stol)' frame dwelling house known and numbered as 24 West Locust Street, Mechanicsburg, Pennsylvania. BEING THE SAME PREMISES which Eugene H. Potteiger and Nancy C. Potteiger, his wife, by their Deei! dated ~ ' 2 , 1995, and intended to be recorded immediately prior hereto in t e Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, granted and conveyed unto Maura A. Jenkins, single woman, Mortgagor herein. ,:,:\,t;, of Pennsylvania } 5S .~ :. 'mly of Cumberland ' ,:nied in the office for the recording of D.:~, .~. ; , .:nd~~rnberland Coun\Yi\~ ", , Bodd! vol:-::::.......f>age~ ''''''. :"'n- my him eai of off' llc::::. ''''~. . 1~ Culisle, PA thiS day of R BoOi<1262 PAGE 944 ',~ ~-.- .,' , . ,,~ - ~. February 16, 2000 HIB1l A COLUMBIA NATIONAL EX. Klncorporaled Maura Jenkins 24 W_ Locust Street Mechanicsbu, PA 17055 P 344 4'17 13/1 Re, Columbia National No. 2180998 24 W. Locust Street Mechanicsbu, PA 17055 Q ~ Dea.r Borrower: A P PEN D I X A A TAKE YOU R F C T A 91 NOT ICE CTION TO HOME FROM ORE C LOS U R E * S A V E This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEO_'S MORTGAGE ASSISTANCE PROGRAM (IIEHAP) may be able to help to save your home. This Notice explains how tbe programs works. To see if HEMAP can help, you must MEET WITH A CONSllMBR CREDIT COUNSBLING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE:. Take this Notice with you when you meet with the Counseling Agency. This name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housing Agency toll f~ee at 1-800-342-2397. (Pe~sons with impaired hearing call (717) 780-1869). This Notice contains ilDpo~tant legal information. If you have any questions, ~epresentatives at the Consume~ Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your a~ea. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUKA IHPORTANCIA, PUES AFIlCTA SU DB:Rll:CBO A CONTINUAR VIVIENDO EN SU CASA.SI NO COHPRENDE IlL CONTENIDO DE ESTA N<1.rIFICACION OBTENGA UNA TRADUCCION INMEDITAHllIlTIl LLAJIANDO IlSTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL lIUHIlRO HENCIONADO ARRIBA. PUEDIlS SIm IlLEGIBLIl PARA UN PRIlSTAMO POR IlL PROGRAH LLAHADO "HOHSOWNERS' S IlMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL COAL PUlIDB SALVAR SU CASA DE LA PERDIDA DEL DBRBCBO A RlIDIMIR SU HIPOTllCA. 7142 COlUMBIA GATEWAY DRIVE Po. Bo, 3050 COlUMBIP" MO 21046 . . .Our(j()/I' \ eliI' o ,........- .."m>ER , _.," _,C_,,"' "' " '~'-;i;t-'" '--~0..,."_""'.'__", -_.__," ~. _,' , ;,(a' HOImOiiNER'S EMllRGENCY MORTGAGE ASSISTANCE PROGRJ\H YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOlm FROM FORECLOSURE AND HELP YOU MAKE FOTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOImOWNERS EMllRGBNCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU BE ELIGIBLE FOR EMllRGBNCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BElrONDYOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU UET ESTABLISHED BY AGENCY . OTHBR ELIGIBILITY RIlQUIRllMBNTS THE PENNSYLVANIA HOUSING FINANCE TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and. attend a -face-to-face- meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING HUST OCCUR WITHIN TIlE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR EMllRGENCY MORTGAGE ASSlSTANCE, YOU HUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CORE YOUR MORTGAGE DEFAULT", BXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSmmR CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling agency listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting.. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASISTANCE -- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). If you have tried and are unable to resolve this problem with the lender, you have the right to app~y for financial assistance from the HODI9O>IIfilr's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner' s Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit couneling agencies have applications to the Pennsylvania Housing Finance Agency. Your application HUST be filed or postmarked within thirty (30) days of your face-to-face meeting. -" , ~, -1- ~ Iii' - '._ '~- _ ,,~_. ,',.,',p'"," YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE HAY PROCEED AGAINST YOUR HOME IMMEDIATELY lIND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION - - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it recie-ves your application. During that time, no foreclosure '-proceedings, will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylv~ia Housing Finance Agency of its decision on your application. NOTE: !F YOU ARE CllRENTLY PROTE..,.<lW BY THE F!LING OF A PETIT!ON IN IlANKRtWTCY. THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSB ONLY lIND SHOULD NOT BE CONSIDERED AS AN ATTEIIPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance). HOW TO ~ YOU MORTGAGE DEFAULT (Bring it up tp Date). NATURB OF THE DEFAULT - - The MORTGAGE debt held by the above lender on your property located at: 24 W. Locust Street Mechanicsbu, PA 17055 IS SERIOUSLY IN DEFAULT because: YOUR RAVE NOT IilADE MONTHLY MORTGAGE PA1!HENTS for the following montbs and the following amounts are now past due: PAYMENTS $2,101. 95 NSF FIlBS $.00 $78.96 '-, LATES OTHER FEES $8.00 . l>ESS FUNDS ON-HAND $.00 TOTAL $2,188.91 "':"0'" c-,.,-" ,~ 't; ~- '.' ,< .J_ 'S " ~ ','" p ,. ~O' , 'r._~_,,_, - ,- -;'",,' ;,-~'J' " c:.~ B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable): HOW TO CURE THE DEFAULT -- You may cure the default ..ithin THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $2,188.91 PLUS ANY MORTGAGE PAYMENTS AND r.dTE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to: Columbia National, Incorporated 7142 Columbia Gate..ay Drive Columbia, Maryland 21046 IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON -, The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY (30) DAY period and foreclose proceedings have begun, you still have the right to cure the default '~~ . ,', '" ~. . "";c,'_,,__"',;," "'X'A.^"i-''',,,:_, '~,. ';":';,iiJ and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the Sheriff1s Sale as specified in writing by the lender and by performing any other requirements under the mortgage. CUring your default in the manner set forth in this Notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriff's Sale of the mortgage property could be held would be approximately Six (6) months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cura the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Columbia National, Incorporated 7142 columbia Gateway Drive Columbia, Maryland 21046 EFFECT OF SHERIFF'S SALE -- You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. JlSSUMPTION OF MORTGAGE You mayor _ may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the Jl\Qrtgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE H^ '"',"' -,', "', ,-- -~-- ." A' - c, ,'_ "iiij THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS, TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY ".-;{',;;.~ ~ .-, ,,-'-- ~ .J:!.jg: RECEIPT FOR PAYMENT =================== Cumberland County Prothonotary's Office Carlisle, Pa 1712113 Receipt Date Receipt Time Rece i pt No. 5/17/2121121121 15=57=2121 9571211 COLUMBIA NATIONAL INC (VS) JENKINS MAURA A Case Number 2121121121-121312172 Received of PD GOLDBECK 1M Total Check... + Total Cash.... + Chang.e. to . . . .. iloilo - Receipt total. = 45.5121 .121121 .121121 45.5121 Check No. 123578 ------------------------ Distribution Of Payment ------------------------.---- Transaction Description Payment Amount COMPLAINT TAX ON CMPLT SETTLEMENT JCP FEE 35.00 .5121 5.121121 5.121121 CUMBERLAND CO GENERAL FUND BUREAU OF RECEIPTS AND CONTROL CUMBERLAND CO GENERAL FUND BUREAU OF RECEIPTS AND COl\ITROL 45.5121 v ,~'_~"~ ~ -" "U' ,,=_ O_"~ -.w,", ~~._, - ~_-,,~ ,~-~"..... COLUMBIA NATIONAL INC. 7142 columbia Gateway Dr. Columbia, MD 21046-2132, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PA CIVIL ACTION - LAW v. MORTGAGE FORECLOSURE MAURA A. JENKINS (Mortgagor and Real Owner) 24 W. Locust Street Mechanicsburg, PA 17055 Defendant : CIVIL ACTION - MTG. FORECLOSURE CASE NO. 00-3072 CIVIL TERM ANSWER TO COMPlAINT IN MORTGAGE FORECLOSURE o CJ C CJ COMES NOW the Defendant, Maura A. Jenkins, and answers[R~ ;:c ~J' L Plaintiff's Complaint in Mortgage Foreclosure, stating in support the~~f a~, c:('-; follows:, ~,~ :::: )';:(? l__ ~. -7 ~..:! :.-.> -< ()l. 1 I. Admitted. 2. Admitted. 3. Admitted. 4. Admitted. 5. Admitted. As further answer, Defendant is in a Chapter 13 Bankruptcy, No. 98-02545. Creditor obtained relief from the automatic stay sometime between October of December of 1999. Defendant is now receiving regular income in the form of child support of $200.00, plus an increase in her personal business at home. Defendant has amended her Chapter 13 plan and proposes to pay her arrears of approximately 5,i<90.00 through said Plan over the remaining 3 years of her plan (See Exhibit "A" attached). .Further, Defendant also filed a Motion to reinstate the automatic stay that protects her home at 24 W. Locust Street during the pendancy of the bankruptcy. (See Exhibit "B" attached). The Honorable Robert J. Woodside, judge of the United States Bankruptcy Court, Middle District of E'i~1 b If 1) C) " .... _L;,':"J -- 'J; -', r ..1....1 .' .::-) '- iI"' _:~; -< "- .-.~~ ,- ,. , / Harrisburg, PA, has ordered a phone conference to be held on July 5, 2000 at 3:00 p.m. regarding this matter (See Exhibit "C" attached). During this phone conference, it is Defendant's hope and desire that the Plaintiff, Columbia Mortgage, will agree to allow Defendant to cure her arrears on the mortgage through the bankruptcy plan. Defendant has been paying into her plan for 2 years, via a wage attachment, and is current on all of her payments. Plaintiff would receive its arrears on a regular monthly basis from the bankruptcy court. 6. Denied. Defendant does not agree with the attorneys fees and costs: Attorneys fees and costs are included in the arrears amount set forth in the amended Chapter 13 Bankruptcy Plan. 7. Admitted and agreed. 8. Admitted. WHEREFORE, Defendant requests that this Honorable Court deny Plaintiff's request for mortgage foreclosure until the phone conference is held on July 5, 2000 between Plaintiff, Defendant, and the bankruptcy court judge. Respectfully submitted , b( !/6( Maura A. Jenkins, Defendant 24 W. Locust Street Mechanicsburg, PA 17055 (717)691-0634 "1';"'- 1 - ~- ~- _-I ~ " " ,," , -,,-.'~ ~~-" , ,-,'-.',- -" ,- " -- "'" UNITED STATES BANKRUPTCY COURT Middle District of Pennsylvania In Re: Maura A. Jenkins 190-56-8125 " Chapter I3 Case No. 1-98-02545 MOTION TO MODIFY CHAPTER 13 PLAN COMES NOW the Debtor, Maura A. Jenkins, pro se, and hereby gives notice of her intent to amend her voluntary petition in Chapter I3 Bankruptcy, pursuant to Federal Rules of Bankruptcy Procedure 10009, as indicated in the attached, Amended Chapter 13 Plan. The submitted Amended Plan has been amended to add post-petition, secured mortgage arrears, plus to reflect corrections set forth in the Debtors' Amended Schedules I and J due to a change in Debtor's income and expenses. The attached Amended Plan is necessary to save Debtor's home from foreclosure. Debtor had a newborn in July of 1999 and has just begun receiving support in April of 2000 for said infant IN addition, Debtor's income has increased due to an in-home business she has established and this increase in income, in addition to the new montWy support, will enable Debtor to fund the propose plan and enable Debtor to pay her mortgage arrears and keep her home. In addition, Debtor will continue her wage attachment to fund the plan. Respectfully submitted, Maura A. Jenkins, Debtor 24 W. Locust Street Mechanicsburg, P A 17055 (717) 691-0634 Date: RECEIVED Harri~Rurg, I MAY 1-2 illOII I >--------< Ci~:.:cJ U.S-. D(}I;kn.ij./CY CO~Ht r::-,,~ _~_~_--:-,__c",-: >'! t":'~':.~l ~~-_._< -"'. - ". '-- -v ~~-~~-~~ 13:23 PREMIER ABSTRACT ID=7172433399 l . (DJ (>.'; e.. ~ AF11:R r~E:CORO I N6 RETURN TO; COLUMBIA NAiIONAL, INCORPORATED 7142 COLUMBIA GATEWAV OR,. COLUMBIA, MD ATTN: DOCllMENT CONTAOL 21046- 2l.P2 l;g ::3 = - .... """ ._-~'-ISll:'~I/^hpv."llJ",I';I",J-'""R..",,...diltgllltl"l MORTGAGE ,uJOGIB~r. D~\G\ll"\. THIS MOlrn.,^ClE rSo:t:urily Ill."lmm",nf#) i,~ givt:l1 nit MAU~A ^, JENK1NS MAY 12TH 1995 . TIll.: 1JI0ng~lgllr is ("'l3ol'rpw.:r-), 'Il,i:< S<'.'lll'ily Jll:;lmlll..:tll isgivl.-1'Iln COLuMBIA N^T10NAL fNI.ORPORt'.n:O Wllkh is''l~mlin:d ;111.1 <,xt<lillg lllHIl:1' lhc ).IIw;-;"f "drlro:,;..;:;'" P, 0 sox :3050 COLUMB I;" ,(;: " = ::3 'OJ .... "" ~ <; :;e~, w"' ." r" (")0 ''> .::tIO ,., r-;:llr, }'>.o:tl Z;;; ,~,' g ~.~;- c('-,r'l ==6,''"' ~~.;; ::~ , ,./):J; ~ ,. STATE i"JF MARYLAND ,und whll~ .',;ARYLAND 21045-6050 (~Ld\der~), l3l''-rMlwcr ,\we:, Lender Illc prineipul Mlln.1C SiXTY SEV'CN ! HOUSAND FOUR HUNPRECl fo-l ;:lY AND 001100 D"Il1.1rs(lJ,~, $'" ,., ~. G7, 450, OOJ, Thb;dchi i""vi.!",,,c,,,.! by Bllrfl.,wo.;r's uult.: durd lIIC';:UllC dulc .....; Illi:; ,'SI:~llril)' 11I....lnl1w:nl (~Nll!\:~), \Vhit:h l~r,,,,itlL"" fur Jntll11hly f111ymelll:o;, wi Ii! lhc filII licht. if IJcit pllid ciltlicr. due.: tmll Jl;lY~lhlc "" JUNE 1ST . 2025 This SCl.:urily IUSltllllWll1 ."CellrL'S In u..11(lcr: (II) lhc TI.'I'l;,IYlll..:nl of Ib,' lk:hl o:vidcner.:d hy ,h.' N.tl.'. willi illle~l. lIml ;.11 r':Il,,:witls. L';(I..:nSlllh.'t .lIlt! llllldi/iCLlliil/lS l}f Ill..: Nlllc; (b) illl: rtlYllM11 ,,1':>11 .Hlla slllm;, willi illl<'l\~...l, "dv;'lle..:d Lll\lkr 11Hl;I!:.r;lrh 7 I" I"llit'd lhc :-:ccHrily nf lhis Seemil)' hL...lnllllclll; ,H,d Ie) Ihe pc.."l'fUrIIHlllC" "f !l"t)'o~w",r's C:"I'\'llanh; :\I\ll "'1:l'I",:)1lC'I::< IlHlI,:f Ihis S~lJ"iI'y Illsltulllo.JllI ulId Ill...: N"ll:. Fpr lhb Ilur['K~. B.lrruwn .1,,0..:.... hl:n.:hy lllllrlgngl.l. ~1"..nI1m.! cOIlVo.:y 1(1 l..ender Ih...:, Ii..nnwing tk...~rib..xl J'lJupcll)' luC.,I...:d ill CUMBERLAND CLlunty, PCllrl$ylvllni..: SEE EXHIBIT "A" FOR LEGAL O(;:SCR.1PTlON (STRIKE Din iF INAPPLICABLE) BORROWER ACKNOWLEDGES THAT THE suL SO FROM LENOEr~ UNDER THE NOrE SECURr:,:,' f3V THIS INSTRUMENT IS, IN WHOLE PARr, I N Pl~~;~HASE MONEY OF .;~!I: p~'n:'':"r:;T\1 $ECU~ED HEREBY, fS\ MEt;fD.NICSB1JM ~s,,<<,. C",I. IW:GIB~E DRIGINAL wlliellll.I."lh.:;ul,II"",~"r 2,1 W. ['O:lIu,-;yltl"l1i:, j'7!)SS :;~lf""~kl LOCU~~T ~.;Tnn"Y :"")ROUC;;H OF ( ,""PC,\:;,,.;ddr,~':<"); RECEIVED OA IN PENNSVlll^MA.!("~II., ,-",,"V I',..~_~-, M~../r-r~.l,l;" [tI,,'. !Jr"1 ,); .j h",'. ,1,10 I'"".,..,,, F.,..,>>::ll,l39 !t/90 \' l\n"""l"','~'" ,.. ~'''''l&':~ '..:. 021809 G...(iFllf'^1 "'''~.I CDP1 _";.,r.,,,.~~ "..~. ,\~,..,r'." l>I'>Q>>11.1~OI 1)5/1'1/!:J5 ..4.4 PM . u;,;;12\;2 :;.;e S38 EXhJ6d-C '" ^ "~" ' P97/15 ... . <,,;~~;, . ,.' -, --, ,-~, 'r ~~ . , ~3-29-ge 13:23 PREMIER ABSTRACT ID=1l72433399 P98/lS . TOOE"fl-laR WITH IIU Ihe.: imprUVClI!COh; "'l\ll (lr'hl:l'C;.lJ\cr;.'~lcd:on lhe prop:tty, lIncl till c,l:-;cnlelllS, lI[lpurlcmmc,,:....ulllllixlll!'~ It,lWur 11l:rC:ll'ler" [lil.Nltflhl: fl"'!'kll1y, AI1'r>:J'IIi\I,."UIT\ImI:-;~i"d.lldllilim1.-!:dlillJ Ul"'l h.' <;"I'crl,d hy lltisS~urily lrt'oilnmu.:tll. All llflh..: 11'n.:~uiug i"n,r. rr.:d :,'111 lh.i.~Swuri(y hl.~rumt:l\i u.... l.hlJ "I'tlll""!'IY," BORltOWJ::R COVSNANTS lIml BorroWer is lllwl'l.lily ~licd:(j( 1,~..l.'illl.~le JWrWy.(..'nn"'9"'-U "lid Jll~" lh.: rit:hl Il' 1\11)f\!l;."~c. ;nmllll1lll,.'nn'llt:.)' Iht:. r"-~I1' m'l\ll1~1I \l~ Ph~Y kc. \l1lclicumhl.''J,,=d. .;~~pI. (uf ',\h~\mlhmnL"':;-; ,\r r.;....'rl\. l3o".ower W;Jmllll,.: llllll will .krell,1 S'-'Il.:rulJy tht,l till.: l;l lh.., Pr.,.",.:11Y lf~i""I'~1f .:l"ilus illld Uc.:lIlilrlll", suhjccI III ;lI1Y .:IlCUl1lhr.lhL~ ur rcc"r<l. THIS s13CURITY INSTRUMGNI c.llllltinl:S Ullifllrtll .....WCUllhls fUr'tr.llivnul LI.-W UIjJ Illl.ll"tllli(urm (:"Vemllll:-; willi rimilctl vi\tiatiOJL" hyjllri~1.licti(1t1I(1 Cnll:'\litulc '1 unl(tWll! $l.;(..iI~IY instrument ~ring real "ru~"y. UNIFORM CQVENANiS. e~Itn,wer tllW u."f\4..~ COV~\l1t\t o.oo..~ fNlows: J. 11lIY1l1eul or 1-I'il,cipTtI I'md JIlICJ'Qtj Prepflymeut Dud'l.ut::- ~rges.:' BonuWCt$hull prtJlllplly 11;.1)' Wllcll dUll lne prindpulllf <lml illltllW\ nil the t\t;;N cvi.:lcncctj h)' lhe Nro'N and ~y.p:rc.NJymcllllU\d 1nlc;'clmrccs uue uuder 111e N,'lc. 2. Flll1ds (fIr -r"xes ~lId 11lsurtUlC:c. Subj~llo aplllii:Dblc bl.W i;r (o'Ii y.rriUciJ waiver by U:udcr. Borruwer sll,dll':IY 10 lcnt1cr nnlh\:' tlay Illunlhly paymcnl~ nrt dlie 1Illt1ct,lhe t-'(l{c. Im1i1 .lh~ Notc' is ]W.lid in. full. nSUlll ("Puml..") r..f: (a) yearly Lul(.~ :!lId a......'>L..-.:.,'au..'tlf$ which lU",y <llhltn priority nYd' ihi~ Selwrify,'lni<uumcinlll.~ Q li!-'ll on the Prot'erty; (\'1) ~":llrly lcu.."Chulcl pilynwnlsur ~rntllJd rclll:1l1l1lhc PtnJ'll:My. ir :lllY: Co) y~t!y 11l.1;f..mll.lr /,l'Il('ll.:/'Iy illsl.lrtlncc pn.:llli\UIIS; (tl) YC"oIrly 11001.1 il\s\ll'Il\'lt,.'U flr.:m\Il'u..... if ~I'\Y; (~) y.;arly U\U'I~ein~I1'llUCC premi\lms. U 1\l.l)'; mIll (I) lt1tIy :il.ltns ~\~ by B1>n\JWl:r 10 Lcndl:f'. in :leJ..,.I'tI:l!lC1.l Wilh ,he pmvi"illns tI( J'Ilragrnl'ih 8, lllliCtI'or fh~ p:iYlnCllt of mortgage in..;lImncc: prllmiulll:-;. Thl."Sc 'l\:'Uls .ll''lI (;llll~'ll"ll'WrolV IJ\,.'111So. u'Il1kr t:lay. III un)' lilnu, l:ttllt.'Ct ltllt.1 huM f11l1111.... ill JUllll\14Mllll Ill.ll" clt(:e':ll Ih.: nlllillin1l!1ll llllllllllll .1 kllth.:r fur.. rl.'tlerally rcbtlcd lllorlgllgc 1(1<111 ma)' ruquirc ftlf Borrower's C.~c"JW J1C(.'OUIlJ wider lhe f(.l(Jcl"'.!1 Rc-.tlli...tlll~ Sdll":lIIClll Pnll,'\.'(lur<.:;li Aci "r 19741CO 8lTl<:tKIcc.I.frOln lime III tillll.... 12 U,S.C. Sccli.)Jl 2CiO I 6{ seq. rRESPA -). \11\\..;:0;," \\I\nll\l.lr \;11.\1 Ih~ll tlfll"lli~ll\ n~ l'I1:I\&.;~I:{ u<(l$\Uf l&'11I\l.II\1.. If *,}, LeIU!..:' l\\uy,ul1UI}' !i11\~.:.....\\l~1 :ll\U h"ld Fllllds ill ml 111ll''Itlllnl1l\,' l:"(:I,;~llhl: It:S!fur :1Il111tnlt. L..:ml::r llI<1Y t:lllimalulh.... 'Ilmmnlll( nJlltl>l clue u" Ihl,; 1~ISj" 'If t.'IITl'l:nl daln ,Hili n:;l.~l'l1ahh. l~tiIIHll..~ ,If llXfl\'JllliIUI'l"l'i ,,1' rUllll"": E.;cnlw h~IlJ;o: ,II' ,,1lll"rlv.lsc ill aL'C<"'ll;l]lq~ with Hjll'lil';lhk 1i1\ll. '/11": FUlldsshul1 1\,,; hl.ld itl :UI ihSlilUlttlll wlltl;':t,l ,j':p'lloIils- ~rc ill:\III't-"Ii.hy u ICl.I..:r:11 Olg":llcY, irl:'llflllll....nfllltly, ,JT l'lIlily (illcllllli1\1l- 1.Al\I1I~'f. if I.l'lll\":r 1;-; ,aleh 1m i\\t:lillllil\ll) \\1 ill :\l\:<' Fl'(koml H'II\W LIt;I\1 81111\:.. 1.J.:\ldIM :;IIlII! ~\M..ty Ill.., 1'\llll!...I,1 pllY (h(: fi-.t:I't'w ll\.llllS. lUllIlcr IIIU)' 11111 L;II1rg.l: 8<1fr<1w"r !i'T 11111llill& <llltl apl1Jyin!,: lhe PUtltl-:, .11HIlllllJy :lllulY'l.ill.:: Iii.' l,;Sl:ruw .ICt;'lllllll, "r vcrifyillg Ilw B..>;c/'t'\lIII\l'lIL~. IllIl~l.." LC'I~cr Pit)'S n...ll't'tl\Vcl',inlcn..':'l "11th..:: FUlllls;llld :lpl'lit'"hll' law pennit... Lo.:ndcr I.> llmkll such ;1 t,ll~lr!-'tl, J.!rlw....vcr. Ullld\:'r l1luy tcJ1uirc cBlll'Tuwer 1\' puy 11 'lIl1:-lilll<,.l (;1I;'T~l: for ;111 illd"flc-l1d....UI TC:1J \.'SIal.: lll:t rcpt1rlillg :I\:rvk'1.. u~\.111 hy f...clld..lT in cIllIllet:lit'n \1JrllUhis IIl:lH. lllllt.lSS;'l'f'li\l;ll~ll' hI\\' pl'll\'i,k:_ u\.l\c:wl,'.;\,l. Unl~:> illl ~\gr<:<.>\\ICHl i:-: lII:'ldc ~IT l\fIpliCllhh:- \uw l't:l1~I(t>::S in\<;t\..-sl \0 be rmid, LCt1ller ...haU lUll. h.... r<l~\l\iT\l~l h'l~'\)' Borrower .111)' jJrl.:ru.~l or r,:urJ1inSs on the FundI!. 8Mr,'w<..'f and Umtlcr m"y atlree ill wriling, howcwr, IImt illlett;~l shall be paicl"lJ llli.: follntL.., Lcu(ld .slwll give III Bt'tfllwc:r. withOlIl dll.,rllt.'.,- all UllnlUll .Ii1..'Coullling or tht: Fuml...., ~lu,\Villg CI\:Jils un!! dchilS \lllhe Fl)l1,l"1.rllt! lhl: purpllSe fllf whio.:h each debit ll.llhc FLlnu.<; WJIS tn.llb. The Fhlld~ nn.: plcdgetJ .l"; tllhliliullal ~/.:llrilY r"r:rll !<lmIS=I.,,-..f hy Ihis S':l;lIril~ h..~lrJllntllU. If III<.: Fuudll hchl by u.~lld<sr '"'1.L'\.'....1 Ill... UlllClU",S pcnnhlcJ III hu hull.! hy app!ic'lblc: luw, 1.":l:1u<"" sh:\ll ~l,;e(llUrll(l BnfflIW\lT l~lr IJ'l.:l;xel.lS:01 Fltlld~ illlll."Cmlll\nl..'C wilh IJ~ 1\"'lI~jrefllenl:O: nraMli.l:1Ihlc I.tw. Il'l!lc:llnnlml \)I'lhc runds hdll hy Ll,.'l'KII;f'l1\ ;lilY liml' i:-; llnl :."nicil,.'ll\ ht }'I:\Y Ill\: &c:nlW H\..'lTts wh.:n'I,!\II,::. WW,cr nilI)' snnl,lli.fj Bonuwcr illWyiling, :".0.. ill $m:h (;,1,,0;":: BI'(/'I.Jwcr :-;JwH pay hl ~fllJer lhe m:t.llunl TIC~"'\Ury lO make. up.1hc, dcfil.:icocy,. 81),mWCT shl'lll m,lkc II/" '1m Jdici...,\L'y ill Ill'llltU'\: lllillllWdvl: Illlmlhly poymalf."';al Lcnde"~8$Oloo~lic)ll. UPl.1l.lj""ylul.:lll illli/IJ .Ifnll SllllL" SL"Cllred hy thi... Sl..'curit)' 1n.<t1Tllment; LcmJCtl'ih<tJJ l'rom{l!ly tcfllnd to Borrow..:r .IIlY FtUlu'..b.:ld /'Iy L':lldt:.f, If, IRltll.lrpUrn~,..lllh 21. Lcn,ll:r ...11111J ~lltirc ~)rscllllie Property, Lender, .mar 10 lhe ;1l;qlli~ilbIlllr 1:i~II.l-1)r Ih.; j'n1f'l.'T1" ~h;\\1 upply Ilny Fm\llo; hdJ hy L.::lller 'illlhe \im\.lrul\l.:quisiliol1 0\' $;'llem\ l> IlIIlt.lill\g:1ill,<;\ lh~ ~\llIIS M:<;!.ll'Cu 11)' Ilti:-;S\"'\.'llrilr InSlrllllll:UI. 3. Al'plic:lllullu( l'llYIIlCIIIS. Unlc::... uJ'lplil..lIhlc Jaw prllvid~ othc:rwisv. ~1I pllynltlnts n.:cciVI.-o by u1ld..:.r 1I11llt.'r \X1r.:lgr:lflh.-: I .lIld 2 shull he lllll"licd: fil':'l, let WI)' rn.~lym;;Hll;hnr~~ ow under Ih.... Nok~ sllcul1cl, It, :lltlnUIIL.; \1;'!y;,lhlt: l'nder l'i.m1l:H~IJlh 2: lhir.!. III inl.:J'C:SI dll~ Jilurth. 10 prillcIJ'lit1 due; 1I,td~. It) IIIIY lillc (1hufg~ due Intd..:r Ih..... Nl'lc. 4. Ch'll~~; 1-lens. Br.rfI.wer :d1n\1 'flWY ~\ !;.lXl\.':;, ~~~e"\:>.-eh:i18~, lilWS Ul'll,\ h>>P(lSilhl'll1:i OIllrihnl;k.\"; 1n 11ll' Prup....Tl)' which HI;I)' allllill rri'lrHy ,'v.;r Ihis SL"t:unry"ln,<';IMIllII'IlI, alKIIC:lSllh.lld j)llylllclllS \~r gr<lllllil I'Cm:-:, ifllllY. BOM'<lw~ shall Jlay Ih~~ llNij.t.rllI'Usilllhc lIl1Ulncrpl~l"ltlr.:J illl~U,."g.f"4Jlh.2..llrirnnl fJllid in Ih.,llllillUll:t. Burh\w",rshilll pllY lhclll "II Ii/lit.: dircclly In l!lc\lI,:r,<:t>o IIW,;:J !'JIytriCOI. &irrowcl'sfulll (1fOn\i'tly J\lnlish 'Ill LclldcrDIIIl~Ili~~ VfUllh'unlS I., hI.o /'tIli,1 unller rhi", )lUrllgrnl"h. 1f'f:k.rn,w".,.lttnk~lh~~~ pl'YlI1\lFlls llih.'Cf.ly, B,lrmwctllhllll prnlllJllly lilFlli:-;h 11.I....:nd..:!' n:c.:.ipl.'" ~vidCl'l\,'il\~ \hC.}\:l)'\l\CI\\$. BnrnlW1;r shull prompt I)' di:1clmrgu IIflY li~l which h..-w pOl'rilY,1VCJ' tbis Sccurily lilslrumenl unl.....'<< 8UTrtlwcl'; (il) ng~ in writing lit lhe ruyl1lCl11 or Ihe (lb1iSllllou liCCl,11'C() by the lien in a' manner 1.1C\lcplablc Ie) t..mdcr; (h) C(lIllCSlIl ill Boo<1 rllhh lbc licm hr. lir dCr""cJs u,<I;rn;t l.'t'lfotccmcnt of the lien in. leg'll" rroceeding:-: which in the Lchtler':.: Opllli\l/l orcrolW tu flTCVCllI lhe CI$Ul'Ct.'lncul or (he liot; Dr (c) $er.Urc.s from'.lb~ holder of !he lien an llogn:clnl.lnl :>ltli~ftl(.1ol)' lu t..u\'\i.M ):\Il'\o,l\'t.lit\~lllllg the tiett III \hi:-: St.:cttril)' lR$lfl.tIDC:I\t, It' Len<lcr dClctt'Rini:s 11\~\lW$' l'i-Itl orthc ~y is. ~\Ih.l":C\ {():1 IJ....II Wlli.:;h lll11y 1I11.lfn /'lri!lriIY IIV1.'r lhi:; Sc;::cGrilY IIl:t'lroJmehl. Lender may. give Borrower 1'1 notict: ic./culiryiug IheliCII_ Borrcsw....: shull s:lli~ry Ih.: licn tlf lilKl1 t11u:nr mol\:: (Iftlle Ilelirm~ ~CI fm1h "buve wilhill I 0 ~ll1Ys (If Ihe giving..t n,lliL'c. . . "' IllEGIBLE ORIG'NA~ ~.GRr...~~!.lIO"."'1 ' COP1 OSl11J95 Woi(12f;2 PACE 339 J ~""..:]G:3n ~DG ,.. O"2"~~~8 MI"", ...~ 3:44 PM ...-,,--- "~- '--~-"~~ "'" , " - 93-29-99 13:24 PREMIER ABSTRACT ID"'717243339Q S. U:~::r.~wd IW P~~er", tnS\'lI"l'n<<. Bl')J'l'f)\~CI' shull kl!'~ ~hc imrrovc:mQll$ now'cxislrng Of heNancr ~lcd 1m the Properly 1II.."ul'Cl1 :.lJJ.am:l1 l(~ hy tire, h:Iit'.1l1'd:t rnclmu.:d wllhlll tho h.."/'lTl "CXlt:lldul.h:(l'lCtllBc~ and iJn)'.~r hU:l1\nh:, hrch1(1ing Ilt1tlds III' /1, 'm1inlt. fill' whir.:h Lunde:' R\(!llin.~ it\lJOl\t",.m~ This itbU.Ir.u~ ~h\ln hi n\II'n\uin~\ il~ '\\i::~m\\\;ll\l> ,\Il0 ItlT Ihe peri, Ill... lhlll 1.1.1111cr I'CtJlli~. TIle in:-'''l,117J1W c."\TTicT pl1"widing rh~ il"1$tlrnncc shall be Cn(~fl I-Iy Borrower $\lhjcclln Lcnder'.., ;'Ipprl.vnl whid, sll.:lIl nul h(~ 1I11~<(1OOh[y wilhlll.:J,1. If &UrHWct rniJ::;lo muilllllin t.'(Iw;rngc clc...~crjb.:tl ohmIc.. L..:nckr llWY. HI 1..-r1l.J..:r;ot "Pli.m. "hl.li,l "\'V~I';It;1! hi pml\:'L'1 L.m(li,ir'~ righ.s in .he:, PJ'(>~r!y in nl:o::()/'t1.\ncc willi 1'I:\r:lgr.lpll'7. ^Il in:iI1Wl\":o.: \'Iolli4'i..::, tlnt! n:.l\l:w\ll~ ~I\:.1.Illu: t\~:c.lllu.i\w 1.\, Lct\(~r UI\\1 ~h~\n illcl\ldc a :,;I,\IKlnnl \'lluf\e"gc c\.m1\C. LC!!:,I<:r ~llilll hilw.lllr.:- I'i~J~JuJ.\tdrl,dltl- f'itllicic;lI~ rt..,\(.'w~IS"; Ifl..cJM;k:1' r~!itc&; Bft~~~.$l~"lt fll't~mplly llive}n J..cnckr .1\1 ~Cl"'[:o pf l'\.:llll /'lf1JII1I1UJ1$ lInd n..:l,eWlIl hj)hl:Cl'. In fill; cvc,,'. nf: 1t*,-.Bnr~:llht\1J 'Bl\"(~' I't(l/npt l'Iullcc III lh.: inSllr,mL'l.' C:lrt1.::1' :lIllI Lctllkr. Lender !noy fT)ake ptfll.)f orloi:tl ifM! mad-=:pl:'C'mntlY.':hy BtlrT(J""_cr, _ _ _ . l.Inl~ L.,:mkr \\I1l1 Blll1t"1\VCr ofhcrwi$C asree in.wriJillg. illl'lllmnCC p~ Shlllfhc Dpplied 10 re:._lorniilln or fCrMir uf llv.: rttl~t(y dUllU\\!.I..'d. il" Hu:: rc~:Mmli~\n m n:puir II' 1:<:(~\I,)mie."lly' r~~ihl~'a-nd .~,';; IId...\r\\y i~ !lot '~~tltl. If llw ~hlr.l[illn ur r":j1l.Iir j" l\11l1.'Ctlllt1mi<:1Jlly fc:a.-;iblc: or u:nder's sccuri,fY'wI1uld he ]t:S:.~t:(I.-lhc in~tll1lnw flmL'el:cLo; :'Ohllll he ll(rflli,,'d II' Ibl,; :O:\II11S Sl,'~'lrcl] hy lhis S~urily l~""n\;fll, Wh.:l(rll.'r \'r 1'1011 ,lhl.'11 dlle. wilh 'illY "'xc.:....." p"i~1 h. B,'rr"w"r. If" B'.m.w"r ..,hillltl,"l..; II", l'n'[l~'rlr. ,,, t',,~-,; 11l,1 an.......V\."t wl1hiil :10 Ullf.':l Illllic;c: ftlllll u:ndl.:r "I;II.t'l:: hr.lIU'.IlIt."tJ l.:.arr;('r Iws nlTcro.:d t.) ~1l1~:1 .:bi/U. 111':11 wnd.:r mllY cnllCCllllil ill~UI".IIU::"; IlrolCll..;,l... LcJI(~ 11l;1Y"t1Sl:. rh.:: j\fUcuctlN III r'-'flUlr I>r rl:.~l(,r", \tI.,; 1'T<'I\\;l"IY IIr \\' IlUY ~\\\\,,\~I,;~\r..:.\ hy lhi~ S\':'~\'ri\y 111:-;\1'\\\I\>.:hl. WI\cd\\.."1" III 1"11"1\ lhen 1.Ille, The :\O-IliIY rcri.,,\ will h(.l~ill Wllenlh..: Iwlit'C is,g;v.:n. Unk-ss Lt.'mJ..;r an,l Burrow.:r Illh..:rwi.:tl: ;JSI'i~ ill writilly..my ilfll'lilllllil>lll1r j'Jr\ll;~:dll tll (1tincipul shull nol uxlu!llJ or J\(.\'Ilfll'lllt' Ihelllll,;liilll'l,fU".:i mpl)!hly ":IrnWlIbIMctl\:d In ill r<IN.I~ropJ~ I untI2,urc~II"llgc Ih~Ll!"11mlt tlrlhcll:lymcllr~. U' limIer 1'>Ul'1lgr:.'ph ;lltht: Prnperly l$lIOCl\urcd hy Lender, Bortll"lvcr s nghll'luny If\SUf1IOI.:C rOIICI~ Ulu.l )ltoc_t.'Ctbll\;l'll.llllng rrom tk.ml.lg:c In the 1'1operl.y rmarto the acquisition shnU'~'lS lCt Lender In 111e: CXlel\t of n'C-~lIm:<: l'CCllrctl hy lhi:; SccmilylnslmmcnlimmediJllclypriOTlQlhcacquisilitll'l., , " . 6. Occnpnncy. Presllll'vution. Maintenance 800 PiotuUOlt of. tlte lTopertYj UOt1'OWt.r's. u~n Apptk.,\t\<m; LC4seblllcls. BllttllW\lrl'lh.ull (lecnp)', ~ah1iS'h, alull~,tOO Prol"Crly M Bormwcr'$ prIncipal rc:iidence whhin sixly dQ)':i ;!rlet Ihl,; cx,,;cllli,1ll III' Ih;s SL.t:urily ll18tnlmcnf and .$hall Cl.lnJint1C 10 OCCl!py the Pro(lerty ll-: Borrower's prindl'll! r.....-;iucnce 1;11' <II kill'll . 'II..: )/....ut art....t lhe d:lle (If C.c.;lIpall~, tmlcs.<; Lender othe:tWisc agrcC::; in writirtg, which CQl1.-.clhl $1",11 lUll he- IIf'fl::ISllrmhly w;lhllcld.llr llnk..-.s ....XlcJ1uulinl;cil't..1rm:lbmcc."exi:l1 which nre. oo)'flnd Bnrmwcr:s C1mlrol. Borruwcr 1ih,lll.lHl\ \k-,.;Ifll)'. d:\l)l:l~\'_ llf imJY.llr Ibe I'T1I1'"'ctl)'. \l\lllW II'\\:' Pn"1fl\;J'I)' jo lic1crinmlc. ror 1J(JIllmil w,~..lc on Iho Properly. ~l'rr<.>wef ..11<111 he ill ,r...-fuull if ;\ny J',>rfdlu~.... ..ctJ,lllllr l'll'tJcco.:tlintt. wh~lhet' civil or Ori111iTul1. i~ Iwgutl Ihal in Lender':; """.1 failh i(llk1l1~'111 ~'''lIhl r.'Sall ;n r"rreilul"C nf lhl' Pml"<',fIY or tl!h~rwi>IC llllltc:rintly i"'p<\(1" the liel' I.:r<.::lwd hy lhis S"curilY In"s(n;nIL'1l1 Ill' l..L'lld"r"...; ",,':lIrily il1tCrL~L fjitrrl'l"..h.:f m:.>y ClIre ~lch n dcfllUlt mlt! reinsl"I". a.~ /ltovidt;J ill PUWl;II11ph I il, hy t":nISll1g 11)1,; l."Ictillll or fI~ding l\I 11~, (lISl11j:;.~ wilh_.1 ruling. IlwI, ill ,Lender'oS glltxl r..ilh t1r.:-II,;Tlllit\.llil'll. pr....dlur.;-: );wt'ciwre I,I' Ih....l3l1rTtlw..:r'::: :nh;fl;sl ill lhe 1~,pcl1im_tllht:r lII"lcrilll imf\Uinlll.:lll Ilr [hu liell etcl.lh:d hy Ih;" .Ik"'l)nl,Y In....lnllllenl .lrl.cslllcr'l'i)\Ct.'l1r;l)' illlrm.:....l. B'lrt"wi.,.~hulbll'i. hc.ihtlcl':mlr irBorrn~l.:r. during lhe t\lUll "J)I\lk'1.lll.1l111I'o..;.........-:. guvc u\tlt<:.ril.\tly r~l';";'(lr imlccllr'"oil<:.tnthttmtliO\\ or ~I.\tem\::n!,s \nL\:Iv.kr {or r~il~;j III l'rl.wiJ.... Lclltlct wilh .IllY llltlleriul inll1MllilliI1Jl) IIllJ(lnnccllnn Wilh lite IUi1ll cvidclWCl.J by Ihc, Ne_lt; ;UChldiug. hUll1(Jllilllih;d 10, n:PTL."';t.'T1I,llillll." cllncerning BI'r01Wct':; llCcup.tlncy MIne Pr.tJWrry n,..:I flriljci~J rc.-;idl,l1rcl.l. If lhis SI,;L'\lrily h1......nnn.....111 i~ j'l\ II h.~'sdl.,ltl. Hlltl'tllWr ;:h:lll e.\mply wHh;j!1 lhl; ]ll'1lvi;.;ions ,lrlh.:lc;\.<lC.-_1f BnnnwC:I"llI.:qllil"l;....,i.:c liUc.IIHhe Pr"perlY. Ihe lc:.1,"ch..rd:1I1tlllll> fl."C lillt's!Ulll"u! illcrl{~ mtlCSll Lc.ntfcruStm:s li'lhemcri;cr in wrilfi.i~. 7, l'\'lItcCt\ll\1 'If I..<;udc,"!; 8.11\l1t1'> 1\1 the. Prtlpcl't:y. If ~\rr-.\Wct I\\ils I{\ flerl"l)rl't\ Ihe. C\Wl,;fi:\l\\:; and 'J.>>t'l;cm.:lIls l'\1I11ilhwtl in lhi:; ,"it'l.1Itily lll..-:rtlllll...nt. llr IJWI'C is"" 11.11:111 pl'cll.:\X\Jing Ihalmay !tigniti~lllly .lff't::ct Lender's riglul'l illlhc- Prnpc-rlY {."w.:), :l..;;1 proc.......dillg in h:.n*nll'IL')'. (lhlhutc., rl'retm,k:tllrntli'M~ or fnrlcilurc tlr 10 L"lll~rt;" lJl~'1Ir-J'l,."8I1l;lli(lI'sl, 111':'1 Lcl1,Jt.:r I.m)' .Ill :llld P:IY rut whulevct is n~'W,y 10 pfl.ltcc.l lhe vahle of lhe Properly .lmtl L-cmlot'$ righlS in rhl,; Properly. Lelldds: Ilclie'lHS mllY illC'lude !J9ying any gums secured hy ::a ,HiM which ha,( priority over thi, Sc:t.1.lrity \I-.:>lt\\I\\\.'1\I, ;'lf1~\Tins in 1:4'\'", J1t')'i.ng l\:;aS{lOOblc.&t\on>>ys' f~ QOO Ultuing ('If\ 1hc l'roperty 10 lll:)k:c ~bs. ^\HlOl\gn Lend...r nlllY luke lIdilln under lhh:pu.mj;hlflh 7. LeI1det~ OOl ~vc: Ind(l:$')~ Any i.\lllllUnlll diglmrst:d by I...enikr unde!!his par.lltJ1l[Jb "_shall beCome) ootJitiona:l debt nf13o~-~,n::d hy lhis SecUrilY In:.'llnnn..:nl. Unh:.."", BollOWct and Lender agra:: 10 olhc:r lerms of f>'Iymcnt~ ',hcsc ammmf:; shall'benr in[crc:..-;t frPm 1111,: tl.l.llc IJr c1ishuJ?:L-mt."I1t illlhe- Nmc tale- u."ltl ghull he ('l<lYl1hl~. with inll:l'C$t, 1I]'IOn notice fmm Lc:ndct.ltl 50nnwcr rc'luC!o1jIJ~ p;tilnell!. , . . " . 8. Mllrl"ngt' rll~t1rl\ncc. If Lclldc.t J'Cquirod Jnllrlj;uge inslll1lllt.:C lL"l n r.:undilidllllf-lllilldng the lellln (M:C1Itt:U hy lhis S<.:t;urity !t\.'4t~Il\H:I\t.. Bl,rc\lw"r :-llmU \"Iy II\C ~M"ltltU$ required t(llm\intui\\ the loongugc in:;\\t'.mc" in err~. tr~ fnr any fL~lSllU, Ill..: 111lHl:;;J~\.: inSllfilllCC CtlVeJ'\l~e 1't.'1.l\lil'cd "y Lt:ndtlr Ja~ elr C~ l(l he ill c:rr~c::t. Borrower ~hall puy lhe pr.:miul11," rt."ll1ired j'l.,hl:!!n l....lw...l;c l'lulll-oi31l113lly e<]ui"alenl flllhe tllOTlso.ge inslll'DnClC flrclVio~ly in cffect. ill u cosL :-:uh...'tl1l/i.lf1y ...quil'"lcnl I.. lilt.: 1."1;1:<1 Itl Bnrrnwc:r IIf Ihe t1hlt1jp1gi: inwrancc prcvir~ly in erfed, rrom :m Allcnurl(l IllMlgnge ill$llTt;f "PPf'<1Y....,t1 hy LCl\l1t:r. If 1<1.lhslDnliully t:quivul.:nl lII(lrtgagc insunlOCC: C(lVCr:I$C is not ,,It'tdlable, $\)tl,\W>lt.:l" :--h;1\l1"t:1Y In 1.o:~)l1<.:t 1.:"<1t:b mnl'll!\;.). :lll\n Ci.}\1411 Itllll)t>>IWclnh hflhl: )'cl.lriy mortgugt: illSUr..lrn:c premium hcjng p:lld Ily BurrlrWct wl.el! Ill..: il1suNlm;u CllYiU'ag.C J<lpst:III'lr ....ca.""'.J 1(1 he ill cl'lh:l. 1.c1l(Jct will at.'l.:l."flI. I$C QIHI'rctwn 1Itc:'t: !'J<.lYlllCI1!:-l a-: ;; h~-: I\,~rvl~ in liell :If 1Il0rlgllg.: illSllntnl.'l;. l.or.;.s rt....-.;crvc f'OIymcnts IlU\Y 1'\11 kll'll....., he fl:l.\uircd. IUEGltlLE ORIGINAL iQi1262 PAC! 940 J Fo",,_ 30~.ht.. rw~ t o.;7Jtt9f ~"(;AlPJl.l l'''-'';' CD3P- Of,11'1/95 ""....I.(~ 1:<1-1\. PM ~ PQ9/1S . I ,~ . iII_ ~ 'f l1JEm'llllQ'::JW' '1';,,",,,, T.' v - .- ~-- - - Na-29-9& 13:24 PREMIER ABSTRACT . . . ID=7172433399 PIS/IS :llll,C 11l'lil'lI "I' L"lhll~r. if Im'rI~i13'" ill....llr:lIll.."'" I:tJV(:t"olgo.: (ill lh", ilIn,llllllllIIJ fur tIll: I\uri....llh:.ll Lcllllur rcqllill..~) pl~.....idc\1 by .111 hl....lln:r~JppIlW\'"J hy L..:ndcr:l!lui" k."I;\lllIC:I..v~il~hJ.::U1d is (Ihl"incil. Bl'rrL1WI.'T sIndl {lilY lhe ])l'l;lllilllll:i I'l.XJuin.....J III m:linlnin 1lI1'rll!ilt!:l.: ill,,'umill;e illl'((~I. Ilr Il'fll'llvillc IIlt,llS Nlll;.rVC, umillh.. 1'I.:"luit\:!/lIclll fur IIll1rtj;!1!,:<:: im'IIr,lllCC ":1111:: ill uecllrJtmw wilh all)' wrillullIgf\'I.:nll'lll hclwllcill BI'l'\\,w1.:;rand /...l.1llder nrap!'llk~"hlc luw. 9. Inspoclllln. 1.~~1I11cr or it~ ilgl.-'flII\1lIY !nuke t!:US!'II"I.fc CfIlril.'l'llJpulIlllJtI jn:~rcelj'\I\:S"1' Iii... PfII(l\:tly. 1.,l'llt!\'r !-h"lI 8ivc Bomlw"'t n,>lit.'Ctlllhelill1c.II'.lr flrilltlllull ill.";I'\t,'l:lilln~I"-'t:j(yin$ Na~Ollllhlc 1....1t:-:C li.ltlhc il\.";pt.'llli"ll. ..lO. Cl)IUI<:lllllil!inn. TIle Pllocccd:: 1'( ~ny :lWtIfU Ot dcUil1 for cbll1ll~"" dirccl._ or cnl~llcllIi;lI, illl..,'llIlccli.ll\ with ~1l\Y CQndl.lUlIIiI{illl\ lit llllll:r luktul:. (If tiny purt (1f the P/'(\t'Cl'ty, ~f fllr Cl.'\I\v,="YI.\Il.W. ill lieu \\r com<<:l'\l\\l\inll_ ~Ir\: 1\\'\'..-1':-0 iL"t...ign.:d:Il1"~mll hCj'iilid 1.1 LendUf'. In the eVcllI .11' :I 1011111 hiking uf II"" Propl:fl.y. tht: pr~~ ldlOln be.llpplicc.llu Ibc.sUm,~ lI't:(.,tl~d hy Ihis SCl.'lltilY lo...lnllncnl. whether." IltlllllCll dllC. wilh IIny exl.'l..~ fl:Jid In Bonm"ct. 11'1 rhe eveill of:r pur1inl IlIki"tt nflh-: l~nl"t-r()' jn whidllllc. r"ir 11\~\r\;......\ VI.lh~ ur tl'oc 1>1\'~r\:f ~l1~mWlalcly ~'C>I'''''' Uw. Illklh& is equal 10 or &TC:ldcr lhan t\1U UIIIOl.IIlI III' Ihe SUlns Sllcun.:u hy lhi.s Sccurily hLo;(rtuncnl imm~l\le1y lrefore tile taking, unless Borrower and Lender Cllht=rwise agree in wrHillli:.lhc SUIllS s..:ellro.l hy lids !;C(.:urily Il'1Iitrtlmanl $hilll !'Itl reduccd "y lhe amount (If the pmc..""L'i 1uuhiplied hy lhe folluwillg rr;ldillll: (ill Ih..: hlllllllllltl411ll1\(the:,lllll.s:--CCllrCl.i illlmc..litllcly hcforu Ihe 1!lking,divltk:-tI!'oy (h) Ih\! Jilir llIur!.d "ul"'" [If Ihe I'rnpt;:rly ilnm<:tlirrtcly hcforl:i lhc tnkiTlg. ^n)' b1\inn", :shllll be paid to Borrower. ill the eV..:lll ,,1' ,I p<lrlhll l'-lkiUl: ..1' Ill..: Jlnlpo.:rl)' ill which lhe 'nir murkcl Vtl!U": uf tlw PrtJpcrlY illllll..:ditllcly ncl'oru [hI: taking is 1...-:0.... lIWll 11 III (11111111111 ..,. Ih.: ';11t11." I\\lcurul imllledilllcly hefore Ihl.! llI1,ing. Lllll~ 81lrroW1tr 1IJl(II....:ndct lJlhcrwisc il31\:C ill wrilillg "r ulllcss :lppti!:l.hl.t-I;l\Y lllherwi~ pnwillcs. lhe prm:l....cds I'lul!ll"1c llflflliOlllO Ihq .sums s~t.'1[recl h)llhis SI..'t.'urily luslrlllw;1I1 whcll,er llr "l.lllhl,;SlIlIlS:UC lhclltlu<.l, If the l'mpcrly is "handlllh:d hy Burruwtlt, tlr if. aner l:lllicc hy LenLlcr {(I Bormwer IIUll thc cc,nwlllll<lr "ff.:rs It! lllilk":~lI ~Iw:InIIt\'St:llk:. d:Jilll f"rl~lIml,",'CS', Bortnwer r~liJ.: It! reg!X>nd {C1lAndcr wilhin JO t!olYlI Olrtcr lhl.l t!:lh:: Ill.: llOlit;.: is ~ivell, Lend..:r js@lllllri:.-.ut1h,""'llleetandppplyth..:lll'tX:l.:lld.... ell il:>~lptlOJl.cillh.:rln ~lt,,..Jlioll Llr rep:lir l.ftll..: l'fPll.:rIY ur !lllh,,:sUl\Iss<'cltt"\.'11 h)' Ihis ~:t.'llril:t j.,,:-.1rllmcnl. Whl~lh.:t or "'" lhcl,duc. UnJ..os.... LUllllcl' illwl n,IrT1IWI..r tl(hcrwisculln:.o.: jn wriling,llllY al)rH~:alinllllf proceeds ld prlllci(l:.11 Sh>lll lUll eXll'll\! llr p.ISlP'lIIU Ihelh,..., lllllt~.,r"ll~ 1iI1'"lhly j\ilymcllls;cferrc;.lll'J in j'l;Il\lgl'U]lh:;: I qnJ 2 nrf.lh,mg.ulhe :unOIIIII .IC!:lIch pI.IYU]clll1<. 11. Ullrl''(IWtlr Nul Released; l"lll'bcm,r:m<< By LClldcl' NlIl \1 Wt\lve,'. ax.ta~kl\) II( I!\<.: lime (i'I' l}\\,m~\\\ III lllutfilkl.llipl1 "f :\It'(lf!i:o'~llillll l1r lh.: Slllll;'l ~elllU.l hy lhi:;: Sccurily IIlSITlIUll.:nl ~ml)(t.:J l1y L..llll!.::r In "\lY ~l11;":l'ss"r ill illlerq:l "r Bml'tlw\'rshall Illll "/ltlmle I" rdc:lse the Hlthilily (lflhcuri~i,wl Burrnwurllr BnrrLlwur's:O;\lcco.......'r,: ill illlvf\,':l. /...t;,lucr sllulllJlI\ 1'1<..' rl'I[lIiwd h, COllllllClll..~ pml'l.:cdiJl.!,~ ;1.~ttiIlSI i111Y SUCt..'(,,"I,"llr ill infurusll,r n:J\L~<' hl1.'Xh'utllill\t' j;'r 1....1)1\\\\:1\\ llr \,\h.;rwi~ 1I11>I\i\) i.llll\\r\i'l;\\inll nr \I~, s\\lI\.'.\ l:iO:c.)\ft:d hy Ihi\'O Sl:cllThy In,SltInllt;nl hy r"'-:N'II ,.i' :111:-' lklllal.,! mud..: by Illl:: lITi);!ilwl a"mn\lI.'T L1r Borrlllv.:r's S1\e<:\.';">..o(tlr:; ill illll.'TClott, AllY fom.;tltullt:..: by Lcnder in cxc:r"i...ifl~ :IllY rl~11I or rcnH:dy s.h:dllll>l he" wlIivt::r Clr .lr pn:dtldc Ihe clIcrr;t'lr.: ol';my tighlll' t\.'111uUY. 12. Sllc~e,~'lUI''<; :mcl Assigu$llJmudj "(lint And S~nrnl Li~bility; Cj).sJ~~eJ'S. -1110) c::n\ll.l.lILuu,: amlllgrt:'<.'tlI'-'lIl:: "I' lhis SC'-'\Irity 1llSlrutli\Oll! lotJ211l hhlll (Iilt1 N:nclit 1111: ;.;uc~I"S :md a-.signs (If t..ender- l\fid Borrllwer, "'llhjlo'l.'1 tn the prtlVL'll.Ill~ "I' P;tnlgr:Jl,b 17, am'ower':;: 1.'1.l't'ctllJlll:lllmJ :lgrt.;:mI.'11b~- sh.1)1I hc,i(l.tnliln~1 sewr..!. All)' Bl.lrTllWr;r wIlt! c".~igll'" lhis Scclltlly lu,:lrllllll..'lll hulllue.'lIltII':ll,t.'Clllc tbe Noh.:: (a) ~ CO-:o.lgllltlg thl;> S~t.ltl(y Instn\JllclIL ollly ill murlg;lg..:, ,ranI .mll COII\lI.:)' 11l:ll Bllr"lwcr':; inlcm:I ill the Property undw Ihc. lcrnu; uf Ihis Sccl1rily 11'll'l'lrtllTl(:fll; (h) is. nfll flCr.:.;(I11.:\lIy llbligtlJud 1111');1)1 Ihe ,"lUllS sct:IlIl..'11 hy lhis Sc<.'urity In:.;Jnllnenl; Ilnd (0) agtcc.'i.lhll(. Lender (11\1.1 nllY l)lhcr B"rr\lwer llmy tlgrt:C 10 exleml. lIH,dify, r"rhellt IIf make ;myaccolllmnd<llion... '-Vilh rcgilrd 1(\ (he lenns of IhisSccurily hL<;trumo.:nl IIr lllc Nute wilhmlt Ilml Ei.lrn,wur'~cIll....;unt. 13. Lntlil Clllln.rc~ If Ihe hJiJIl ::cCltn.'tI hy lhis SCllutlly hL~tnllll":1l1 is :luhjeclln II !llW which SC{S ll\,-"r.lt\mm IOt\ll d,iLrgl;s, mull/HlI l;,W is rifl:llly illletptCll..1.1 .'iO IIml Ihe illlCl'C'$I (IF olher 10.10 charge... eol1t,.'Clcd Clr l() hc cllllcclcd ill OJllllcclitln with Ihe. hl.'1n e,lc,-'Cd lhe purmilletllimils. lhc:n: (t') any ~..uch loon chargo shoJI he reJnclXl hy IIIC ;l1llllUnl lIccC:-:Sary 1(1 l'l,d\Jce the t:hllr~e IiI Ihe J~fnlill"..d limil: !lnu (h) an)' :,'urn... alNady c:ollcc:lciJ from Borrowc.l' which ':xc,,~...J {Il.:tl\\iuw HIIIII.$ will hi.: n::r\"ili\ (<l Bmn,\wcr. ~1\dt.'T t\'\ll.y <ll~ lo.\nakC \hk-_~rund by rt.ducing \hc ptllll..-iJT,11 \lW~\ lllltlcr thl,; N\ll-:'Ir hy muklngtl din:f.1 paymt:l11 to. Borrowu.lfa refund reduces rrinciJ'l&ll, Ille rcdudion will hct~h.:d il:>\ a p:lrlitll pl\:p:lylllelll willlllUl ,IllY Pfl.lptl)'lIJCJlt chul'gc lllKk::rthcNnlc. 14. Nlllice.<;. All)' 1I.,licl! III Bt.m.w-:r pl't1vidcd fur in lhis SCCllrity 11'll-1nlfllcnl sll:1I1 ht:: givul "y deliv.:rillt: II ..r IlY IrmilillI; il hy firl'.t cl1lSS IImil uIII..:.s.... applicable htw Wt-Iuires II:lC or :IlJtll1lcr ll.clhotl. Thc nt1Licc :;111111 h.; (Iin.:eletl lull!.: l~rufICr1y Addrc....'.; IIr "IlY t1lh..:r addr~~ BnmlWCr UCSil:lll<llC:> ny IlUlil..'t: In Lender. Al1)1llUliec Itl LClKJl.lr .sIUlII he ~ivcn hy lin.:l. C\U:lS "mill.. LCtl,(.:r's (Ickln::t'i sl:I{I..'1.1 hCl'l.'1n or :my tllher U(klro.~' ~ndcr 11r.:.';gmlll."S !'ly IIUlit;u lu Bllrl'tlw<.:r, AllY nnlkc pr'lViJ...d r"r ifllhi... S"curilY 111.o.;lnullelll s:\;111 ht: dl.:l;lll.:tlli. hav.: hccn !:ivclllu ElltrT.IWet ~Ir Lclldurwh':lI giwlI "" pnlviu....t.Illl11llsl'r.lti'ltr<trh. 15. GnvCI'lIlng 1":11"; Scvel"l1hllilY, 11lis Sccurif}' In:llr1lllll.'111 shall h..: ~llYI.'I1JC\J hy fetletilll..w ;.lIl11llw law ,If Iht' .illril>l.liclillll ill which Ihc l)n'f'CTI}' ;~ l'IC:IleJ. Inlh..: ,,"Wllllhlll :IlIY pNlvil'litt'1 M dUll.";": .1l'llli:o: SI:1..11rily 11l~lnJ\ll\.,'\II"r 11,,' NIIlc ..""llielS wilh apllliclIhle laW, ~tdl .....lIllliel ~htlll hili ;,1rr.:Cll.llhcr Ilnl"is.i'III.";'lr lhi:: Sl...'CurilY (l\~I"l\n<.:l\1 <IT tl\l.: N.,lt: which t;:1ll hc giv..:n ..:rled willlllllllhcllllllllll:ling flfHvi::il.ln. Tn lhil'cUU the Iwvisions\,[{hisSCl.:\Ifily l'I.'i{rUJIlelll ;,lld Ihr.: Notl;:lre d..:el:lrcd h, he lo.'1..'vcrable. ,,"~t. IIJ.EGiOL~ ORIGINAL rooK 1262 fAtE 341 ".,..4.!n '/. '0"" "'l'rvlliDO D~;~~~~!aa~ ~-GR'P^I. I"'"'' CDS? j: OS/11195 3:44 PM 1>l,<_"a._QQ t~'r::IC ~n~UTV" ~D~~nA~~ ~3-29-~S 13:25 PREMIER~ABSTRACT ID-7172433391S1 " ~~ Ill. n"I'nl\l'l'I"_~ (;(lllY. Lillml\V~'I'~lllIll r~GiVl:ll 'lll':IOUlII'lI111cl! copy I.nllu N"lc:uIlJ 'lflhbS<.:I:'Il'II)' In,,'ilflllllcm, 17. TI'all~rL'I'Urlh~ 1'1"flll~l'ty ""''' lJclle!"u:.i;d Il1lcl"Q$L l:11101TUwel''. Ifull IlTllny p;lr~tlrllIU Pnllll;J'IY~IllY illlct..:.....i ill ir bl~)ld "rlrmlsfi.'rl'l.'d (mil'.. hL.:tldiciul filler..:....' jlll~JtTllwl:t i:'\:.;nldor Imn,...1i:tn;(/ :md Gnrmwcri:'\ 11111 :1'lijl(llrld j'!cr:><lJ1) Willu'llll..o..:rltlcr's Pl'im \Vrlllcn 1,:111'I,"':Clll" !.A:Udcr In:lY.II! il:,\ "1'111111" rClluin.: illllllctliOllc 1l1'Ylm:n1 in l'nll 01':,11 "'llllS ~'!.:Ilr..:d hy IlliN SccllyiJ)' 111.~11"III11Clll. J.I.lII/..:vur, lhis"'Pliull ~hllli Cl'III>t'(~Il.'.rl.:l::;cd hy tundcrire'JC~;rcha: is p""hillil.:d h,. fc,I,'ral IllW ;l:'<1l'lh~, d:lf~'llflhJ,'ISCC1IriIY 1l1sIMlmcIll. If I,<:lllkr l'~.'r<:i.~l"'lhi,,<'pli'lll.l.<:mlcrshulll,;:ive li.lIm,'wur n'lfi<.-c 'If ll(:l.,-,h:mfil'll, '1111;' 1l.,rll'cNlwll ['r,wid.: a l,.'d,ul "I'lllll 1.:...;,-.: rlmn ,10 ,1:1~ l'r"l1llhc d:"lll~ lhe lllllit..'l.; is dc:lil"'l"l:d 1',r lIwJI,'d wilhill which f::lnfmw.:l' 11Il~-':1 I'my un -;lIn,,-':.~I.:&:\lf<:,1 by Jl,i~ S'~cllrlly In,,-.:lrlllm'llI. rr'l~lltrt1\lI.:r r:dls l~l flOY fhl."'"C,-.:Ulu~ priur rolJrecxl"i..llillll ol'lhi)o; p.:rilld, I~ndct m;\)' Ill'",.I",: :1I1Y r\;lllcdi,..... 1'll:l11lilfetl hy lhi~!-;ccllrily 111.:Hrun\CI1t Wilhtlu( rurlllcr 1111[11.:<,: l)T dCl1ll1ntJ Clll (tllrrllwcr, 11'1, lllln1IW~'l".o; rtj~hl jft RoII\SI~te. lJ' SnrnlW\lr lll(:cl:,\ cCrl~\ijl Clllldi{illn~, I3Uf1'lIwcf shall h:w<.: 1111; ngllt II' h:,v.' ~'lIlilrl.'l..:l1U:llll.l'lhi:-: ScclIri:y IU:-llrl1ll1Cllf disCUlllil1l1!'..d;11 :1llyrltl1C pli.lr II> fhc C:lrlierllf: (11):'i 1I:IYs (l'I'NIlC!] "HI!:r J,.-I;"IJ ..., "I'l'lk'uhl..: lalv mllY ~p,,"dry l~lr rcinslll!1,l111CrJ() hcrl1~ .'I1.lleoJ'lllc I'l'tlflcrly pUrxtllml h) UIlY f'l"wcr "r~1I1c Cll1lrai'Il.l,1 illlll!s SI.'L"tlrilY rIl:-Hl'1lm~'JlI; l'r (11) e,ml ry I'!' 1l,iLltlSlTlcnlCl'lr(\l"Cill~ Jhi,. SccuriJy 11l~Il'\fll1cmr, T/1Cl;;C cllnditl'lllS UTI.: thul. &rruwer: ell) rl:l~ L..:l1dl.ll' an Slllll:'\ whic.:h thell WiJl\Jcl b-= uUt!; \.-nu.;r lhl.l; S!;Curily lll,~tnlment Qnc.llhc NOle .~~ if on :l=I~r:.,linjl hud lI,:clIfr",d: (Il) CII1\';( :IIlY dllf:ml1 or Illly ll:l,cr ~V'::h:ml:; or il.\:':l"ClImenl.-.:; (c) J'><l'y:l. 1111 eXf'lctlsc:,\ Inellrrt.'l1 in CIlI'orcillg rhi~ SCilurily IIlN1I1111Wl1t. !rlchre/jug, lmll,,'! limited !eI. r':'''~l1nuhJI.l ufllln1l:YS' Icl:,...-; :ultl {cJ) l:lkr;.-.: sneh ;lclinl1 ,~-.: LUl"llk:r lImy l'I,;m'lllI:,hly I'~".(lllil\: III .~"'lllr~ 111.11 lIle licll OJ' Ihis St:l.:lIrll)' lnSlrunlt:nl, 1..c.:11(lI.lr's righls ill rhe flmflcrly lint! l":lMrllwcr's l.hJi!;mi"l\ 10, I'IlY lhl" Slll\1"; :<:C<:ll1l.:d l1y Ihis S....cllrlly hl,.;I,II111<.:nl shlllf cnnlllll1(:: 11I1ch:mglld. lJp(lfl rdl1s!:lll.:lllClll hy Burnlw,:l'. I !IiI' ~,'clldl)' Ill~lmll1;:ll( iUld the vhliglllkl11s~ccur<.:tl hl.lrlll1y :;/",11 h::lnuil1 I'illly el1cl.:lh,c ;1,--: iJ'nll nccckr:,!ioll 11Hd "I1ClIl1\;li. Hll\\'cv<,~r./his ri,;hllr1 Tl'hl$l;l(c.~balJ 1l11tufll'll;y -1111l1(,:.cnsc.Mllccdllr.,ti(m undllrrllrU1W.lph 17. J9. S:l!(!. or No!e; Ch:lllj,!:e: MLoan St!I'Vi.::et". TIle Nul::: or.n [ltlrtill1 in'~"( in lhe Nulc (toI:~hcr wilh rhis S<':C:llri!y J/lSlnrlll<.:111) nmy!l.: snld lIlll.:l "f ll111tc limes withelUl pri"rnulicc: I.. Bnrr<,,>wc-r. A sulc m.ny rcsull illll..:hall~ in Illc (;Illtly .(kllmvn liS Ih~' ~L":1I1 _'.;.'l'vk:l.:r~) IIIaI c:ullCl,-ISll1UlIll,ly ptlYJlrl.lnf;:; elu..:: Lll1tk-r rhe Nlllt.:"ml~ Ihis Security Inslrlfllll;lll. '111l:1\.: ..1S(1 1ll:IY hu 1111e.: ,It 11l,'1'l.1 dl<lIlg~ <If Ihc Ln~n Scrvic....r nl1Tl.:l:1l(::(j II) H sule Ill' lhe NuJc, II" there is 11 eh:llll:.C tlr 11m l,..':ln S:u-vic.:t. BI>I'r.,w.'r will he t1;vcll wnUell nntfc.'I.lCll'lhc I.:h:ll1l;': in ~II.:Cnn:1t11lCC wilh /'ltll"..ls:ruph 14 "howc: unci llJ1fl]je..hlc I:IW. "l1:IlIIUli"'l' ",iJl.-':I:Jf~' II,l' 1l:UIW (I!ld i1l1drlo'S,-': "rlhe l1e,lW !...-1l1l1 S~.I'\.ict.'r "l1d t/rl.l :lddn.'l'1S If' which f'lt'yI11....11IsshIl1l1c1 he.: mmlll. 111..., lUllil.':~ \Vii! ~11.~Jl <', !lUllil' H11Y, lfll<.'~ iuf,mll.:lli'>ll TI,'(ll,ir..:d I>)' l'11f11icuhlc 1:111'. 211. Hn;o;:lI'dl'l1s SllhJ:(:lllI.:CS, (J.lrl'1,WIJ1'sh:t1J nll! ~';nl"{C,.lj' p<,wlnilll1e.: ]lrCSCllc":. lfSl.l.tlis]'l,~-;t:l.ShIl1IgC. "tl-cle:lsI,; P['IIIlY l'hl;.'~lrd"\ls Sllh-;l:llle~':I I'll tIT ill Ihl:' I'mperlY, Born.lw":I'slInll full do, llnr HlInw ;1/lyol1cclsl.l ill d.... allYlllil1~ ;Ini.:clilll:: lllo.: hllll\,'l'ly IImr I~ ill ";,,Ialj,," ql':m~ Hnvirlllllncl,'~,l I,::\\". '1'11,. ;Jl\'c,'clill~ Iwp ~""l'lll.'ru.:~'s sllt,llll"l ilpply l" Ih~' rl.....-.:..:U<.C.'N., "r,~I'II1'J:". '>111111' J'r"I'<'11,\' "J'.~lll:,11 \lllalllili.:.-.: .,!, !-J1",:lJ,i.,,~-.: .':UI'~llllI<T1'1 !lial lire,: l,!cl1<lr:Jlly 1....t,.,,:,:lli...,,'/I,. h.: "I'J'''''I'I"I:II" I', Il"r:n;d l...,~iJk'1ul;\r 'I:">l:S :lllil III m,tlnll.'1I:ll1C.... ,\iIIU;,PTllll""rJy_ 13''''r,''v.'r 1'1i"'"I'"u1\pll)' give l"':llll\:r wrillCllll<>lkl.l <li'UIl,:.' 11l'......Slio::,tilln. claim. dClntmd. r.,w1'1nil"f lIlh..:r;,cll"ll h)' <lily E-"Vo.:l'IUlII.:IlIUl or m<;lIhlhll'Y a!,:cll~"Y <II' l)r1"':I(<: l'lIl'ty lll\'"lvill~ lllc PI'npt.:rly and :.lily Hm'.:mJ'lll" SIIh:llllll........ "r l~nvirnlllll\;I1IHI 1..:lw Ilrwhi..:h BlImlWcr hu.~ acl\llll knuwlt.:u.L!::: if Bl,lI'l'ower Jcum.<:, llr i:; llotilic:d l1y ~l!Jy g(lV..:nlllll,:l.1!:l! "l r<:J,:llkll\lty ,"Hllmil>', IIml :111)' !\:.\nnv:.l1 lit nlJ:cr l't:1Il.:diOllh"Jll Ill' :I11Y HIl....nrdmL~ SUnshm-..:c nJ1i.:l.:ling llle jJmf\l,:rly is l1t:e'-'$:,r,l', !:Illrmwl.ll'sl..,II rlfj'llljlrlyf:d';<'::lll nee<.1tl.S:lty h:tncc.IiuJ UCli~lo:-;in lli.--wrdl.lllcc Wilh Ellvirul1nllllllllJ Luw. As l~";l:d in lrll~ )lilrugruph 20. "'Hm.",tlrt!oLl..'i SUI'7S,o.ll.:t::>'" tlrt: Lllo..~CsL1bst:lnc:e$ddinl:f.l us to:dc: {,r lm~unlt)usSl..lbs(uI1cc''' f1y Glwironnlt.:lllall.llw und lh.: fnllnwing $uh:>t:lncc,,,;: t,:llWfille, kerosene, (l(hr:r n~mlT1UhJCtlr l.o;cie J}Ctrulcmn rmldu:.:ls, l(>Xic.: p"'':':licidu:; "rld hCfhiddcs:. \lnlutill.\ Mlveflls, lllalcJ:iul:: eonl;\inil1g .,shc::;[os or rmm:Jklchydc., tlllu f1JditJUClivl: flwll.lrk,k ~\:-1 1:,.;.:<1 ill iJli~ pl1rllt;:1'l11l1110. "'EnvirunmCnlld LlI\v~ mClIn..<; I'cdcl"<ll J..~ and IllW:; of Ihejufisc.licliull whc.ru the I'mpcrly isl(l(:alccl rll:11 n:hllc III htllllrb.S.1Icly LJrCnVimllltlClIll.l( I'll'l'l~"cliull, NON.UNJr(3Io:.M COV8NANTS, 8'm'(lwcrulld Lcnd~r Il1rthe:c:nvcmlJl( :md :Igl'Cuu.<; rnJlows: .21, r\..:cc!J.:mfil'L1. RCllln{lil!.~.I~cllder5lanII I::ive notice l.o DDrmw(t(' pl-jor 10 llcc:ell:I':Ition fullowing D.orl'(lw<:,r'!< 111'1::11.:11 oJ' :my ~"lI\'(ln;lllf 'lI"":IgJ~Ille:1l1 in1bis Sl:Clll"ity 1~:;1('lllllent {hIlt not prlnr 1n l1ttelel''ntlon underparn&!'llllh 17:1n te$.~ :IJllllic:lh!{' 111\1' {ll'llvJdQS oth(!!'wisc). Lcnd\wsh:l/lulltlry Rtlrrn\'Vcr or, :unol1J:otl1(ll" tblnz:,s: (D) tile default: (Il) the l'dlull l'c'rn;rcclltll.:ut'C the de:fl1olf. (c-) wilen the dc(:mlt 1llust be etl1"t:d; ;m.d (d) thllt f4Uure to eUI'll the: dCJ':luJl a.s IIpedfiec!l1ll1Y l'e"rnlf. iUI.lC'<.:c1ernHoll Clf ~hc S"IIl~ sccm-ecl hy this SeclIl'ily lllsh'UllIel.1t/ forecloslll'll' by .incllCllll pl'llecccliu~ mId ,'::111: lit lbe "r'upcI1y. Ll:Jul::Z" .~lmJJ rm11lr.Z" iuflll'll D01'lYlW(M"oftbe rlg-hl !Il rcinslatl:' aner acccJl:l.:.rliCllllmd lilt' I'h!!ll lu :1.~.~CJ1 ill II!efnreclMIII"'Io! Jll~lc~'cdin~t11c nl)n~Jsren.c::enr;\ dcl':mJllll'lll1ynt!tel'defenst'. j~J' nCll'l'ulvcr In '1/:l'dcl'l1!illll :llld fm'cclo&lll'c, Jf tlll.:: dernl1H r;; !lul C1Il'l:cJ :'IS SPecine:cl, Lendel',..l.t its f'lptiCll1, Ill:\,.. l"C:IJuh'e fnllnlldiall' !}:lYlllcnl ill fnll or nil $lllilS $cCllI><<1 I:.~' Uli.~ S('<:llrify lllSt!.'luuellt wirhnut (m'lhcl' clelm.ncJ :lIld mal' n>l'edll"(~ l11i:,: Sel'III'jly 111.:;h'U!Ill\ll1 hy judicid I'.,,(:(,'cdinj,!:. t.mJ,ICI' stmll be enfitled to I.:CllIccl :.11 IIXJ)l;!lISc.~ lnc:nl'I'c-d ill PIlI'_~Hill~;hc 1'l!ll1cdl(:..~ ()l'Ilvided iu thi:: lllll';l;t;:r:lpll Zl.ll.ld:rdill~,bllt notlhnil(ld hJ, nlr<lrncyl'l' rCC.~;lllcl <'O$I$nt IHI., ,",vklt"ll<'e In I hi: ~':.:I(,llt !ll!l')lliu'c:cl hYl'llllJje,',}hl~ J:ll.,. Z2. Rck-:lsl:. lip,'rl parl:l~!I11 '1J':,J! :-;1II1l1i~cC:\ln.,\1 ''.y lhi;,,> .'.;c,:curily Illslrlllllulll.lI,i:: S<':CllrilY 11l~ITlII111':/ll :md IJW ...."I:uC l"lllVl.lyc..:d ~11:l1J r.,:mliwll.: :lnd hUC:llme void. Afler such OCL:lln\:nCe, Lender shull di,:;clll1fSc ulld Sl.111~!'Y Ihis S;:euril"l' 11'I.~rl'llllcl)1 wi I h. 'I If I.'hnr.!,!<.: II, Bllrr'lwcr. BOrrflWllf ~ilall !J:1y :my recrmJurjnn 1.'l.\."Is. II.l.!;GI8U: OItIGINAL BiiOi11262 PAG! S42 O,3J'1IPA) It.~~) CD5P ,.,~, "'~I~ /"ortn3031O $~O X '"""."rrA---J.i- 021BO'SSft 05/11/95 3;44 PM PIl/IS . . 93-29-09 13:26 PREMIER ABSTRACT ID"'7172433399 . ,~ " P12/15 23. WI\iven;. Bml'l"Iwcr. [n the eXlcnl pcnnillCtI l1y IIPtl1ical:lt: Ill\\', wllivt:S unJ /'CICllS~ Ilny error (lr ,Jc!Cl,'IS ill prol,'CCtJill~s 10 en/im:c l!1is Secutity Inslntt'DClll. and hereh>: wnives lhe bcncti_t or AAY pre.~l Ot fulure law:-,p",...idiilg for :>!ny tlr Cl(cclrl;nn, e>:hmsion orlil1lc, exemption froln QUacll!nc()I,le~ and'salc,.and homcstcnd c=xemplion. 24. ReillS[lllemenl Period. Bnrrowcr'$ time to rciru.1;llc flfuvidcd in pal1lgraph I g shall extend lu {me hum flriur III the C'llllllll:llCCm""m ;Irhitldill# ill a:dwriJ"ts .!ll.\lc OJ' other :-talc flUI::I\IIlIl11U Ihi..<; Security Inslnllnc.nl. 25. PUfcha!Ii.!~MlliHij' Morignge. If nny of the dcbt :;c:.':\lred hy t1ii:r.St:c1.1rlly IO$tnltnt..1,1_ is lenl 1'1 Born.wet II' l\<''(luirc{illt.: hllhl..-I'r'lflCrly, Ihl",S<<llrity IiW1\It\'\Cnll'llt'ltt he" p';lrclw.."tC-I\\(iMY m(l1-lpgc, 26. Inlcl'C$t Rule Ancr Judgmenl. Borrower IIgf'l:r.:.,<: !hlll 1111:; imcrest-i-utt: paynble une,- u judgment is <.l.lllc.~d "II ihc Nlllcllr ill1ll1 iICli.,tlllfmllngagc liltUClIisun:shall he 'li~rall1;p"-yahlerrom lime loumeundc.riheNole, 27_ Riders l"lhUiSe~'nlily Illl'II'Ul1lClIl.lr 1111": Ill-lLIlltc rid!:rs IIRlllXcillllcd hy Bnrrl.lwcr :md n:curllcd [(lg<.:lh!:rwilh lhi~ ScclIrily IIlSlrlllll<.:111, Ill..: CllvclllLnl:: ulltlllgtcCIIlClll:-; 1'( '''Uell ~Hl:h. ritltl-r shull he ill\.'Orporuh:c! illlt~:lml Nl;llI umen.! ,md :-;U[lplclllcnt Iii., '-~lV~:1I:1I11S ,Ill11 agr!;l.1I111;llls nf Ihi,", Sl~cllriry In'\ll1llllcnl as if lhc'rillcl'(s) Wo.;Tl.lll pUrl of lJll:> Sl>curily 11l..<o;lnrlllclll.jCh.:ck "l'l,lr":~lhlc 1'II'X(C:lll [J Adjlt....trlhlc '(illl' Rickr o Qrmhmll\l_ ":1)'11I0:111 Ridl.."T B.lI3.lll1'\t'II{lt11.t ,V.A. Rid,-r ~ Clllltll'minillln Rider 81-4 PIlmily Rider PI:ltllll'd Ullil D.:vdnpli\Clll Rider ,BiwCt:kly PllyulI.:nl i{i,kr .I Rulc IlHl"n,vl.llll!lll Ridl.-r [J ~k-clll\Il Hllllle Rilkr , _,Olh..:n,:l!l:pn'iJ'y! C:iY sl(i,'-lU'~{; ltEJ.OW. [i"rrllw.;t m:c;.:pls i1lld ,Igr..:s::-; I" Iii,; lcrm:-; "t.d r,;,lVC1HII:I:-; corl';lim.:d in Im,lrllllWlIl ;Ull) ill "II.\" rid"q,..\ l.'s~",,"h_:.1 fly D"rrllwcr Ill"] 1'C,;'lIth:11 willi il. ~'^ ~ I 'J l' .uluW.\tl. I, '/.~_ MA RA A, JENKr, S \VI"""""// V ~~"~"'L_/_~_ ____/--/F~ ~_ ILl1GIBI.i'.'Oj\IGIWO.~ i,l.;,,:ill j'll:",""_" Ccrlificl(l' "rlll':,jrl.'lLcl' I, CINDY LEWIS add"';::>'~l'rllll" wilhil'-Il;IIIII.'d M<ll'!f:ag..:,; i~ p, O. 80X :~050 COLUMB I A, lhi:-- Sl'l'llfIlY t'>c.':) _11.."""" I-"..:~d ) -1.\,...",\\-,., (S..:;.I) .r~,.,,-,.\wr WiIHl':--)ollllyhmHlllcis ,till ht.:rcby co.:rlil'ylhu! II,,,: C-,,!"....l'l MARYI.AND 210i\.5-G050 12TH da)-'ni' MAY 1995 1 '- o( l, J_c,-,"\ CINDY LEW I r---- -- -- ~upr.,t1 CUUlltY!)I;: COMMONWl~Ar.:rll Of'])ENNSYL VANIA. Olllhis,ihe J,), /II <lm!'..:r, p..'l~ 111:111)' ~Ip)l<::!.rcd 11)t},r . h(!r(lr.; ml:_lh,; llmlcr:-;i:p\l.:d (by ul' '-j/f)a>-{ ((JrmlJ 11. 'J.f"J(;O;i '\.~c-'" "r ~-l""_~,,::,-, known III U1o.:: (lit salisr.:lc!urilfl"'-: ....~. l\iep":''SPII lVh'k:'..:lUI11\c ,> :-1Ih...erih..:,1h,lhcwilhillillSlnLJIoil II imd;lCkJ111Wh:dgcdI ;Il_/~':' it.. ,;x,-,<.:.U",llh";:-li,nw f.'rlh'~l'llr"">!'l~h,'r..:jll ,-,(lIJt,lillcd_ IN wrrNn~S W~l F,R \jOF, 1 hl:r\~IUllll scl my l\:\ml imd My Clll1lmis.,,;,'1I H:-lI,irl.'>l: I",&R.~""J :-, , <mD..-ll~IP1\1 I~ ,."tJ;, CD5P 05'1"95 booi12fi2 PAtE ~",""1~'" J:./I.4 PM 943 l'..rm 3039 !l!~IO 021BG9S~ ---..""" ~,. .---ici!.~_-' %!\"""" ~. > oj ~~-~~-ss 13:26 PREMIER ABSTRACT ID"'7172433399 . ~ EXHIBIT "A" ALL TIJAT CER'rA1N piece OJ' parcel of land situate in the Borougl1 of Mechanicsburg, County of Cumberland and Stale of Pennsylvania, bounded And described .I.!i follows. to wit: BEGINNING at a point at the corner of West Loc~t Street and Lamont Alley; thence by Lamont Alley in n northerly direction, 93.00 feet to Stouffcr Alley; thence by Stollffel' Alley in all easterly direction, 35.00 feet. mere or less. to lands now or formerly of Snyder; t1lence by lands now or formerly of Snyder ia a southerly djrection, 93.00 feet to a point 011 the west~rn Jjne of Locust Street; thence by tlle western line of 'Locust Street ill a westerly direction, 35.00 feet, more or less, (0 a point, the place of BEGINNING. HAVING THEREON ERECJ'ED a two-stOIY frame dwelJing house knowll and numbered CIS 24 West Locust Street, Meobanjcsburg, Pennsylvania. BEING TilE SAME PREMISES which Eugene H. PolteigOT and Nancy C. Potteiger, his wife, by their Deed dated ~ ,., , 1995, and intended to be recorded immediately prior hereto in e Office. of the Recorder of Deeds in and fOl' CumberlAnd Connty, Pennsylvania, granted and conveyed unto Ma1.Jra A. Jenkins, single WOnHIl1, Mortgagor herein. '..':'1 of pennsylvania} SS , "1'1'1 of CtSmberland " . ,rl\J:l~ in ,h8 Qriloe. tOt Uta recordinG of De, ...:1. _nd~c.u,nlberlandCou!,W>.."tf.v ., ~ e:~U<<. Vol- Page~ \ :":Hn~",Vh'~~," , 9'5 Ga:iiJht. PA this day elf , . ,~..: - - boiK1262 rACI 944 P13/15 >I;,,';";' . . Non: MAY 12 .1995 HARRiS.JURG PENNSYLVANIA "",I (S",kJ 24 W. LOCUST STREET BOROUGH OF~*?~NNSYLVANIA 17055 *MECHANICSBuRa~"-' 'S~'.' 1.IiORRDWER'S PROMISE TO PA V In reOJm for a loan that I have received, I promise to pay U.S. "pri.acipaJ"), plus interest, to the order of the Lender. The Lender L<; ***** **67 ,450. OO(this amounl is calkd BIA NATIONAL INCORPORATED I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the "Note Holder." 2. INTEREST lo.terest will be chargc'd on unpaid principal until the rull "moUl~t of principal has been paid. I will pay interest at a yearly rate of **......8.500 % The interest rate reqllin'd hy this Section 2 is the rate r wj1J pay bmli bef(1r~ and ;Jfter any default described in Section 6(B) of this Note 3. Pi\. YMENTS (A) Timc and I'lac\' or l)a:Vlnellt.~ f will P<lY principal ,md i.nren'sT hy making paymellTsevery ll111urh. I will make my monthly p,lyments on the 1 ST day of each month beginning 011 JUL V 1ST 19 ~ I will make Iht,S" payments every ~~c paid all nftlie principal aud interest and any other charges described b~ln\\l that r may owe \lnder thi.::: N()I~ My monthly payment.'i will h\' applied lP illlcr~sl before principal. If, on JUNE 1ST 2025 ,I ",ill "we ,\\\n'll11\S \l1v.kr this N()l~, I will P(IY \1\",;,.: ,\\l\,J\Jm~ ill I"\\ll nIl '.11.\\ date, which is calJed the "111i1li1rity dato:' [ wi!! llwh' my lll/lIl!lll.\' payment:- ;,[ P. 0, BOX 3050, COLUMB I A, MARY LAND 21045 ~ 6050 or at a differcntpJace if required by the Note Holder (l') Amount or Monthly Payment,> My monthly payment will be in the arnountof U.S. $ ......*....... .......*518.64 4, BORROWER'S RIGHT TO PREPAY r have the right to make payment.'i ofprindpaJ at any time before tJley ure dUe. A payment of principal only is known as a "prepaymcDI'.' When I make a prepayment, I will tell the Note Holder in writing that I am doing SQ. r may make a full prepayment or partial prepayments witi::out paying any prepayment charge, The Note Holder will use all of my prepayments to reduce the amount ofpl"incipaJ that I owe under this Note. ff J make a partial prepayment, there will be no changes in the due date or in the amounl or my monthly paymem unless the Note Holder agre~<; in writing to those changes. 5. LOAN CHARGES (f a law, which applil's to this loan and which sets maximum loall charges, is finally interpreted so that the interest or other loan charges collected or [0 be clllleclcd in connection with this loan exceed the pennincd limit.'i, then; (i) any such loan charge shall be reduced by (be amowlt necessary to reduce the charge to the permitted limit; and (ij) any sums alrc<ldy collected from me which exceeded permitted limits will be refunded to Ill\';. The Nt}\:e Holder may ChrK)f,e to make (hi.,,- refu\)d by rduci\\g the pru\dp<l.ll owe under this Nut~ I)t by making directpaymenl to me. Ir a ref~llld reduces principal, the reduction will be trealed as a partial prepayment. 6. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payment.., If the Note Holder hns Ill!{ rcceiv~'d the full :lmOUllt of any m..lIl/hly P"YIll\'f1( hy the end or FIFTEEN calendar days after the d,ul' it is due, I will p:lY a late charge l.. the Nl.l,e Holder. The amount of the charge will be of my overdue payment Ill' principaJ and'interesl. J will pay this laic charge promptly but only once on cach late payment (B) DefauU lfJ do not pay the full amount of each monthly payment on the date it is due, r will be in default. (C) Notice of Default 1ft am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Bolder may require me to pay immediately the full amouDt of principal which bas not been paid and aJl the interest that I owe on thal amount That date mu~1 be at least 30 d3ys after the dllte on which the notice is delivered ormalled to me. (D} NQ W...ivcy Ry NQtt. Holder Even if, at a time when I am in default, the Note Hf.Jder c.Jo..-.s not r~Y:\lire me to pay immediately in full as described above, the Note Holde! wil1still have the right to dl) $0 if I am in default al a later tillt'o (E) Payment of Note Holder's Cost<- and Rx~nses rfthe Note Holder na" rl'quircd me to pay inuTlcdbncly in full a:-, d<',,<;erihed above, tbe Note Holder will bave the right to be paid back by me fOf all of its ellst:i <lml t'Xp"IL<;eS ill enforcing tbb i>Jole to lht' exlc'nt 110\' prohibited by applicable law. Those expenses include, for example, reasonable attol'll':)'s. fees. 5~~ EXhJblt Jj MUL'fISTATE FIXED RATE NOTE. FNS1 Single fanlil~' .1<'/'I.MA/FliI,MC t;i\iiflORM INSTRUMENT OE l11 ! 95 Pa)"'; j oJ; 2 3 : 44 PM Form J2t10 12/1lJ 021S0998 3200A '" "~.\' ,~ ~ ~ ~"-J" ~ 7. GIVING OF NOTICES Unl(,'.'.s applil'<lhlc I:1w I"<'quire:, ~1 diIT,>I"t'nll1h'rh,)ci, ~r:" 1;('; ," ," by mailing it by fir"l das.; mail I!) Ille at till' Prnflt"rry Addr." h' diffel"ent:l.ddrc-s::. . i-,' '!:wlll<l 1l1l" tmdn Ihi> :-Jok will he '-!i\.-cn hy ,kir'h"l"IIl" il cO; ! "I ,1;1"1','1\:01 ;I\kln'''.~ il" I !live' till' Nnl,'. Holck;' <l iHlllc'\' "\1- fl)'; Any nnticc thaI1l111.~1 he giv.:n In rh(' Noh.' HoJd,~r t'ndcr (!:I' N\'te ',';il b,' .>:!iven by mailing it by fir>l Cl,lSS lll<lillo the Null' H.)ldlT;l1 the address stated in S,:ctin!l 3(A) l1hl1vC or at;\ diffel"t'"ntaddrc_,:, i( r ,:Ill i!civ~n a ilo(ice of that different addre::;s. 8. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than on~ person signs this Note, each person is fully and, personaJly ubligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. A'lY person who IS a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations. including t~ obligations of a guarantor, surety or endorser oftb.is Note, is also obligated to keep all of the promises made in this Note. The Nore Holder may enforce its rights under this Note against each persoll individually or against all of llS together. This means that anyone of!!s may be required to pay all of the arnountsowed under this Note 9. WAIVERS I and any other person who has obligations under tlJjs Note waiv~ the rights of presentment and notice of dishonor. "Presentment" means the right to require the Note Holder to demand payment of amount.~ due. "Notice of dishonor" means the right to requite the Note Holder to give notice to other persons that amounl<; due wve not beeu paid. 1&. UNIFORM SECUREIl NOTE This Note is a unif(1I11l instrument wi!h limited variati()n~ jj; .~(lm" JlIrisdiction:-<. In additiun to the protection given to the Note Hold":l under this Note, a Mortgage, Deed of Tnls! or Security Deed (lhc "Security In:;:trumem"), dated the same date as this Note, protects lhl' Note Holder from po%ible lo.ssc$ which might rest:lt if I do not keep the promises which I make in this Note. That Security Instrument describes how aud tinder what conditi,)n!' I may be: ~equircd to make imm"clillle- payment in fullo[ all amounts f owe under this NOll', Some' of the conditions are described as follows' Transfer of the Property or a Beneficial Interest in i;orrower.1r all or any part of the Property or any interest in it i.,; sold ur transferred (or if a heudicial interest in Borrower is sold or tr<Jl1sfelTed and Borrower i.,; nllt a natural person) without LCllder..~ prior written consent, Lender may. at it:; option, require immeo.rli:lle payment 111 fllll of all sums seew'ed by this Security Inslrllm~n( However, this oprion shall not be exercised by Lender if exerl.:isc is prohjhit(~d hy federal law as of the date of this Scctlrity Instrument If Lender exercises this option, Lender shall give Borrower notice of acceleration_ Tbe notice shall provide a period of not less than 30 days from the date the notice is delivered or maill"d within which BOlTower must pay all SlIms secured by this Security Insttument. If Borrower fails to pay these sums prior to the expiration of this period, Leuder may involo.e any remedies petmitte.d by this Security Instrtlmentwithout further notice or demand on Borrower. WITNESS THE HAND(S} AND SEAL(S) OF THE UNDERSIGNED. 1 f.- )//{lLl/["oi ((, ~/1l/U71/) MAURA A. J ENK I NS( (Seal) -l3o"'o~'<, (Seal) -Borrow," (Seal) -130"'0".< WITHOUT RECOlclRSE P c' _" , AY TO THE ORDER OF -.~. ~~"'<XiiiPORA'" BYf' tm../J<';uc{' J-~ ~~ (Sif:tI Original On/v) 32-00B FNS1 nF./ "1 Iql; P.."..')",') ':J.IlA au -~,." ~, '" -~ -,- L; ..... """ '.' )' L '~~_ ~ L ,,,,,;;"" .- - _""~ ",_;,' '-~r. -"'""C"",; COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND } SS: I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify that the Sheriff's Deed in which Federal Natl Mtg Assoc is the grantee the same having been sold to said grantee on the 9th day of June A.D., 2004, under and by virtue of a writ Execution issued on the 27th day ofFeb, A.D., 2004, out of the Court of Common Pleas of said County as of Civil Term, 2000 Number 3072, at the suit of Columbia Natl Inc against Mama A Jenkins is duly recorded in Sheriff's Deed Book No. 264, Page 1595. IN TESTIMONY WHEREOF, I have hereunto set my hand OJt-tt:: day of , A.D2004 ecorder of Deeds ~kln~"=~='~ ," Columbia National, Inc. VS Maura A. Jenkins ,^ <,-',- '=O-'C.." In The Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2000-3072 Civil Term Harold Weary, Deputy Sheriff, who being duly sworn according to law, states that on March 04, 2004 at 1: 1 0 o'clock PM, he served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendant, to wit: Maura A. Jenkins, by making known unto Megan Remsnyder, adult daughter of Maura A. Jenkins, at 5 East Maplewood Ave., Apt. #1, Mechanicsburg, Cumberland County, Pennsylvania, its contents and at the same time handing to her personally the said true and correct copy of the same. Cpl. Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on April 06, 2004 at 5 :41 o'clock P.M., he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property ofMaura A. Jenkins located at 24 West Locust Street, Mechanicsburg, Pennsylvania, according to law. R Thomas Kline, Sheriff, who being duly sworn according to law, states he served the above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to the within named defendant, to wit: Maura A. Jenkins, by regular mail to her last known address of 5 East Maplewood Ave., Apt. #1, Mechancisburg, PA 17055. This letter was mailed under the date of April 06, 2004 and never returned to the Sheriffs Office. R Thomas Kline, Sheriff, who being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Courthouse, Carlisle, Cumberland County, Pennsylvania on June 9, 2004 at 10:00 o'clock A.M. He sold the same for the sum of $1.00 to Attorney Joseph Goldbeck for Federal National Mortgage Association. It being the highest bid and best price received for the same, Federal National Mortgage Association of Two Galleria Tower, Suite 600, 13455 noel Road, Dallas, TX 75240- 5003, being the buyers in this execution, paid to SheriffR Thomas Kline the sum of $642.33. Sheriffs Costs: Docketing Poundage Posting Bills Advertising Acknowledging Deed Auctioneer Law Library Prothonotary Mileage Levy $30.00 12.59 15.00 15.00 30.00 10.00 .50 1.00 13.80 15.00 Surcharge Law Journal Patriot News Share of Bills Distribution of Proceeds Sheriffs Deed $ 20.00 172.40 213.28 29.26 25.00 39.50 642.33 !l.} Sworn and subscribed to before me So Answers: This~dayofC1.u,mr r~~....!'~~ q ~ R. Thomas Kline, Sheriff 2004, A.D. '-<f1.v (), ' 'nt...-PJ,..." ^fii I . I cf:t r. ,I P rcfthonotary BY Vd ,_ dfVU.iC.VJ . Real Estate eputy ~~ (JV 3 lJ, b'O I. p- ~<lI...'tJ f......,. I is' 3 ~'I' V _ ~. _ ,0 ~" [ 0'- . , f Goldbeck McCafferty & McKeever BY: Joseph A Goldbeck, Jr. Attorney LD. #16132 Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-627,1322 Attorney for Plaintiff .. COLUMBIA NATIONAL INC. 7142 Columbia Gateway Drive Columbia, MD 21046 IN THE COURT OF COMMON PLEAS Plaintiff of Cumberland County vs. MADRA A JENKINS (Mortgagor(s) and Record Owner(s)) 24 W. Locust Street Mechanicsburg, PA 17055 CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE Defendant( s) No. 00-3072-CIVIL AFFIDAVIT PURSUANT TO RULE 3129 COLUMBIA NATIONAL INC., Plaintiff in the above action, by its attorney, Joseph A. Goldbeck, Jr., Esquire, sets forth as of the date the praecipe for the writ of execution was filed the following information concerning the real property located at: 24 W. Locust Street Mechanicsburg, P A 17055 l.Name and address of Owner(s) or Reputed Owner(s): MADRA A. JENKINS 24 W. Locust Street Mechanicsburg, P A 17055 2. Name and address ofDefendant(s) in the judgment: MADRA A. JENKINS 24 W. Locust Street Mechanicsburg, P A 17055 3. Name and last known address of every judgment creditor whose judgment is a record lien on the property to be sold: DOMESTIC RELATIONS OF CUMBERLAND COUNTY PO Box 320 Carlisle, P A 17013 P A DEPARTMENT OF PUBLIC WELFARE - Bureau of Child Support Enforcement Health and Welfare Bldg. - Room 432 P.O. Box 2675 Harrisburg, P A 17105,2675 4. Name and address of the last recorded holder of every mortgage of record: _ ~" " '-'0' _ -,,, J, 0'"' w,Jj DEL NORTE REFI, LLC 323 5TH STREET EUREKA, CA 95501 . PENNSYLVANIA HOUSING FINANCE AGENCY 211 North Front Street PO BOX 8028 Harrisburg, PAl 71 0 I DANIEL CARUSO 12 BRlARWOOD COURT CAMP HILL,PA 17011 WINCHESTER GARDENS AND M. SCHUSSLER II CREEK ROAD CARLISLE, P A 17013 5. Name and address of every other person who has any record interest in or record lien on the property and whose interest may be affected by the sale: 6. Name and address of every other person of whom the plaintiff has knowledge who has any record interest in the property which may be affected by the sale. 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale. TENANTS/OCCUPANTS 24 W. Locust Street Mechanicsburg, P A 17055 (attach separate sheet if more space is needed) 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. Section 4904 relating to unsworn falsification to authorities. DATED: February 19, 2004 . ,:.... .1 _.'" 00-3072-CIVIL " GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A Goldbeck, Jr. .... AttorneyI.D.#16132 Suite 5000- Mellon Independence Center 701 Market Street Philadelphia, P A 19106 215-627-1322 Attorney for Plaintiff COIcUMBIA NATIONAL INe. 7142 Columbia Gateway Drive Columbia, MD 21046 IN THE COURT OF COMMON PLEAS of Cumberland County Plaintiff vs. CIVIL ACTION - LAW MADRA A JENKINS Mortgagor(s) and Record Owner(s) ACTION OF MORTGAGE FORECLOSURE 24 W. Locust Street Mechanicsburg, P A 17055 Term No. 00-3072-CIVIL Defendant( s THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: JENKINS, MADRA A. MAURA A. .JENKINS 24 W. Locust Street Mechanicsburg, P A 17055 Your house at 24 W. Locust Street, Mechanicsburg, P A 17055 is scheduled to be sold at Sheriffs Sale on Wednesday, June 09, 2004, at 10:00 AM, in Commissioners Hearing Rm 2nd FL Courthouse to enforce the court judgment of $83,791.89 obtained by COLUMBIA NATIONAL INC. against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: I. The sale will be cancelled if you pay to COLUMBIA NATIONAL INC., the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay call: 215-627-1322 2. You may be able to stop the sale by filing a petition asking the Court to strike or open 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. - ~I ~ "I - " , _ .- d I I I I 00-3072-CIVIL * .... You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice below on how to obtain an attorney). YOU MAY STilL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES NOT TAKE PLACE. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid price by calling the Sheriff of7 I 7-240-6390. 2. You maybe 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 fmd out if this has happened, you may call the Sheriff of717-240-6390. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have a 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 thirty (30) days from the date of the Sheriffs Sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the schedule of distribution is med. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE TillS 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. LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 " ' ~-~ , " "."'. " " .;J " 0< "''''ilth GOLDBECK, MCCAFFERTY & MCKEEVER By: Joseph A. Goldbeck, Jr. Attorney I.D. #16132 PLAINTIFF Suite 500-The Bourse Bldg. 111 S. Independence Mall East Philadelphia, PA 19106 PLEAS (215) 627-1322 ATTORNEY FOR COURT OF COMMON CIVIL DIVISION Columbia National, Inc. Vs. No. 00-3072-Ci.vil Maura A. Jenkins (Mortgagor and Real Owner) CUMBERLAND COtillTY ALL THAT CERTAIN piece or parcel of land si.tuate in the Borough of Mechanicsburg, County of Cumberland and State of Pennsylvania, bounded and described as follows, to wit: BEGINNING at a point at the corner of West Locust Street and Larr~nt Alley; thence by Lamont Alley in a northerly direction, 93.00 feet to Stouffer Alley; thence by Stouffer Alley in an easterly direction, 35.00 feet, more or less, to lands now or formerly of Snyder; thence by lands now or formerly of Snyder in a southerly direction, 93.00 feet to a point on the western line of Locust Street; thence by the western line of Locust Street in a westerly direction, 35.00 feet, more or less, to a point, the place of BEGINNING. Having thereon erected a two-story frame dwelling house known and numbered as 24 West Locust Street, Mechanicsburg, Pennsylvania. Tax Parcel #16-23-0565-038 _~ ....."" .A " .~~~" -~- ~~ -~.~...---. " . J.._6., WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 00-3072 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due COLUMBIA NATIONAL INC., Plaintiff (s) From MAURA A. JENKINS (i) You are directedio levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attac1nnent has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant( s) not levied upon an subj ect to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify himlher that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $83,791.89 Interest 41/1/2000 TO 1/3/2001 AT 8.5000% Arty's Comm % Arty Paid $121.20 Plaintiffpaid Date: FEBRUARY 27, 2004 LL $.50 Due Prothy $1.00 Other Costs CURTIS R. LONG (Seal) prothon~ [} 77!~~ "-.ay' IJ~ 0 -I Deputy REQUESTING PARTY: Name GOLDBECK MCCAFFERTY & MCKEEVER Address: SUITE 5000 - MELLON INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106-1532 Attorney for: PLAINTIFF Telephone: 215-627-1322 Supreme Court ill No. 16132 !li&li.It_.~"W '''"'~j;s"'1\j~~!"I,'Ji;<l!:.~~l.'F",,,-~,',,W~~l!!ili,i",.i'lliiL>,,j~,;,~jAA!;~__ '" '"' ~!ilJl!i_i!illiif~-~ ~_~ nltBrll~ ~~"""~ Real Estate Sale #23 On Mar<:h 01, 2004 the sheriff levied upon the defendant's interest in the real property situated in Mechanicsburg Borough, Cumberland County, PA Known and numbered as 24 W. Locust Street, Mechanicsburg, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: March 01,2004 By: JocLujVvui-0 Real Est~t&'Deputy ,."ii:" ',1 '1 ".\ ...'-., J I .\, ~: 11 (~, ~ ,'r-' 17 sa 'I .h J ,~)j~;_""i<_, ' :!J:;\j\1~':1n;,:";;: ' -..~ ;\ '~~~j~,{) 'IIII! , , , '-.." ~,,,,,,, , ~ ~ ~ ~ .l; REAL ESTATE SALE No. 23 Writ No. 2000-3072 Civil Term Columbia National, Inc. Vs Maura A. Jenkins Ally: Joseph Goldbeck DESCIPTION ALL THAT (;ERTAIN piece or parcel of land situate in the BC;:~ll.,gh of Mechanicsburg, CoUDty of Cumberland and.'.State ofPennsyh'ania, bounded and descnlled a~ :fuUows, 10 wit: BEGINNING at a point at the comer of West ; ,Locust Street and L3.mant Alley; theuce by :'" LamonJ..Alley in a northerly direction, 93.00 feet to,Stouffer'Alley; thence by Stouffer Alley in ~t1. ',easterly direction, 35.00 feet, more or less, to . lands !lOW or fonnerly of Snyder; thence by lands ,now or fonnerly of Snyder in a southerly direction, 93.00 feet to a point on the western line . of Locust Street; thence by the western line of ,Locust Street in Jl westerly direction, 35.00 feet, more or les~, to :! point, the pl~e of BEGlNNING_ HAVING thereon erected a two-story frame dwelling house knO'W'll and numbered as 24 West Locust Street, Mechanicsburg, Pennsylvanla. TAX PARCEL No. 16.23.0S6s.o3~ " I 0-- "j," -j~ .\l - ...-"..J .""h,,' . . THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16,1929 Commonwealth of Pennsylvania, County of Dauphin} ss Michael Morrow, being duly sworn according to law, deposes and says: That he is the Controller of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot-News and_The Sundav Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Metro editions which appeared on the 27th day(s) of April and the 4th and 11th day(s) of May 2004. That neither he nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording 01 Deeds in and lor said Cou ... I Dau n in Miscellaneous Book "M", Volume 14, Page 317. PUBLICATION COpy SALE 1123 NOTMLI>.l. Terry L Russell, Notory Pu C Oty 01 Horrisburg. Dauphin CZU2006 My Commission expires June , P ylvanlaAssoclallonolNotarMy commission expires June 6, 2006 Member, enns CUMBERLAND COUNTY SHERIFFS OFFICE CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA. 17013 '''. Statement of Advertising Costs To THE PATRIOT-NEWS CO., Dr. For publishing the notice or publication attached hereto on the above stated dates Total $ 213.28 Publisher's Receipt for Advertising Cost The Patriot News Co., publisher of The Patriot-News and The Sundav Patriot-News, newspapers of gene'ral circulation, hereby acknowledge receipt of the aforesaid notice and publication costs and certifies that the same have been duly paid. By........... n n n....................... n n n n n n n n n n........ , ,-- = :1::%1.., REAL ESTATE SALE NO. 23 WIlt No. 2000-3072 Civil Columbia National, Inc. vs. Maura A. J enltins Atty.: Joseph Goldbeck ALL THAT CERTAIN piece or par. eel of land situate in the Borough of Mechanicsburg, County of Cumber- land and State of Pennsylvania, bounded and descrtbed as follows, to wit: BEGINNING at a point at the cor. ner of West Locust Street and La- mont Alley; thence by Lamont Alley in a northerly direction, 93.00 feet to Stouffer Alley; thence by Stouffer Alley in an easterly direction, 35.00 feet. more or less. to lands now or formerly of Snyder; thence by lands now or formerly of Snyder in a south- erly direction. 93.00 feet to a point on the western line of Locust Street; thence by the western line of Lo- cust Street in a westerly direction. 35.00 feet. more or less, to a point. the place of BEGINNING. Having thereon erected a two. story frame dwelling house known and numbered .as 24 West Locust Street, Mechanicsburg, pennsylvania. Tax Parcel #16.23.0565.038. ^ .- . , ~ J. . . _.~. ': . \ " PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16,1929), P. L.1784 STATE OF PENNSYLVANIA : ss. COUNTY OF CUMBERLAND : Lisa M~rie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, 'being duly swom, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established:January 2, 1952, and designated by the local courts as the official legal periodical for the publication ofalllegal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: APRIL 16,23,30,2004 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. SWORN TO AND SUBSCRIBED before me this 30 day of APRIL 2004 NO L SEAL LOIS E. SNYDER, Notary Public Carlisle Bora, Cumberland County My Commission Expires March 5, 2005