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Home My WebLink About00-03075 - o~ . - -'-'",,~ -"""-;' ".;. ii-i~ . 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. THE BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING & SERVICING AGREEMENT DATED AS OF NOVEMBER 30, 1995 SERIES 1995-C c/o Rosicki Rosicki ~ Associates P.C. One Old Country Road Suite 375 Carle Place, NY 11514 plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE vEl. Term CIVIL ACTldN': MORTGAGE FORECLOSURE 00 - JO"lS C,UL'L '-r~ DEBRA A. CONRAD ZOOK AND BARRY E. ZOOK (Mortgagor(s) and Re~l Owner(s)) 601 Huntington Avenue Enola, PA 17025 Defendant(s) 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 jn 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 yo~. 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 I 8 0 LE RAN DEMANDADO A USTED EN LA CORTE. 81 DE8EA DEFENDERSE CONTRA LAS QUEJAS PERE8ENTADAS, ES AB80LUTAMENTE NECE88ARIO QW USTED RESPONDA DENTRO DE 20 DIA8 DE8PUES DE SER SERVIDO CON ESTA DEMANDA Y AVISO. PARA DEFENDERSE ES NECESSAR10 QUE USTED, 0 SU ABOGADO, REGISTRE CON LA CORTE EN FORMA ESCRITA, EL PUNTO DE VISTA DE USTED Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA. RECUERDE: 81 USTED NO REPONDE A E8TA DEMANDA, SE PUEDE PROSEGUIR CON EL PROCESO SIN SU PARTICIPACION. 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 USTED PUEDA PERDER DINERO, PROPIEDAD U OTROS DERECHOS IMPORTANTES. LLEVE ESTA DEMANDA A UN MOGADO IMMEDIATAMENTE. SI NO CONOCE A UN ]>.BOGADO, LLAME AL "LAWYER REF?RENCE SERVICE" (SERVICIO DE REFERENCIA DE MOGADOS), 215-238-6300. Cumberland County gar Association 2 Liberty Avenue, Carlisle, PA (800) 990-9108 Legal Services Inc. 8 Irvine Row, Carlisle, PA 17013 (717) 243-9400 - - ,,1, "- -~' ~ liMe! COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is THE BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING & SERVICING AGREEMENT DATED AS OF NOVEMBER 30, 1995 SERIES 1995-C, c/o Rosicki Rosicki & Associates P.C., One Old Country Road Suite 375, Carle Place, NY 11514. 2. The name(s) and address (es) of the Defendant(s) is/are DEBRA A. CONRAD ZOOK, 601 Huntington Avenue, Enola, PA 17025 and BARRY E. ZOOK, 601 Huntington Avenue, Enola, PA 17025, who is/are the mortgagor (s) and real owner (s) of the mortgaged property hereinafter described. 3. On November 28, 1995, mortgagor(s) made, executed and delivered a mortgage upon the premises hereinafter described to TMS MORTGAGE INC., D/B/A THE MONEY STORE, which mortgage is recorded in the Office of the Recorder of Deeds of Cumberland County in Mortgage Book 1294, Page 256. By Assignment of Mortgage dated November 28, 1995, the mortgage was assigned to Plaintiff, which Assignment is recorded in Assignment of Mortgage Book No. 523, Page 1139. 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 January 5, 2000, 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 12/ 5/99 through 4/30/00 at 10.250% Per diem interest rate at $7.43 Attorney's Fee at 5% of Principal Balance Costs of suit and Title Search $ 26,452.98 1,092.21 1,322.65 560.00 $ 29,427.84 Escrow Balance Monthly Escrow amount $ $ 29,427.84 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 , - -.<-,- - ,: ~ -;- I, Sale. If the Mortgage is reinstated prior to the Sale reasonable Attorney's Fees will 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 Exllibit "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 $29,427.84, together with interest at the rate of $7.43, per day and other expenses incurred by the Plaintiff which are properly chargeable in accordance with the terms of the mortgage, and for the foreclosure and sale of the mortgaged premises. By: GOLDBECK BY: Joseph A. Goldbe Attorney for Plaintif McKEEVER , Jr., Esq. - -" ,'"-~ ~,~, >> -~~- , . ~ '~'.!Iii!Jiik, APR 18 '00 12:55PM P.5/7 VERIFICATION I, , as the representative of the Plaintiff corporation within named do hereby verify that I am authorized to and do make this verification on behalf of the Plaintiff corporation and the facts set forth in the foregoing Complaint are true and correct to the best of my knowledge, information and belief. I understand that falSe statements therein are made subject to the penalties of 18 Pa. C.S. 4904 relating to unsworn falsification to authorities. Date: /j~Y~ ~~'CY' #164-1057/72688039 - ZOOK,DEBRA A. CONRAD -'i.-, , EXliWIT n l'lJ,_L. '1':Hr.1 Cl~RTfilN PROPERTY :;liOflTED IN Tli( TCW,NSHIP OF EAST PEHtlS8ORO IN rlW COUNTY or CUJ1BERUlHD MID COJ11i.ONlJERln1 OF' PE'HN~LVAnJA.1 BEING HORf i:I)U..Y Dt::SCRIBED !Ii A DEED DaTEO 12/01/87 AND ffi!CORDED 12/29/6...., AfiOKG THE LiHll! BE'CORDS Of rUE COIJNT'<' mm ~T!\TE SET fOIITH SlBOVE. iN DeED VOLUME C33 fiN', f'nGi fiGt, fn:"_ ;.,;'J' en PARCEL lD NO.: 0G-l-l-0U;i4-2.22 AOORt:SS: 1301 Hl;rlTINGTON IWE, <;'1.'lGtPcnl't$ _ < - ","Jl\, or CtIT~Ia} SS ,,-..t!G1:fit! the-llIfkf ..~:';an(f}u;;-:;.~~Ulel"eoordftlQ'o! OdJlif:lff;;;; _ Coo~ . ""'~'h.iH1d/~f><lJ)~ . ""I~.PAllt<s...:uu:'~~ () " 2 iiI-S> /'-t'".!'~e...?~ ~ e;'-' ....-"Y--..... v .00,12U.l "'( 2([3 'J_"'," ~" V~ .k''''''''~"'''ti:' , . ,. ...; " ,'-~-..;_-_.ci-.;~~" ,~ , ~-,. EXHIBIT A THE MorIn' .~-'$ ..l\l.lGNME\Il. DEBI\A (;Q~RAD WOK BARRY ZOOK 601 HUNTINGTON AVE ENOLA, PA 17035 NBRC - llECEIPT .- sEt/no: 3/&I20QO Code: r2M6039 9:32AM File: 0- m ru ru ... 0- N ". 0- N , 'L!:RRYZOOK B01I1UIlllNGTON AVE ENOLA, PA 11025 PS FORM - ..-- ll~l'Ol ~, ~ Mardi 9, :2000 RE: Loon Number 001%68lO39 Property ^ddr~m;: .601 HUNTINGTON AVE.. ENO~PA 11025 ACT 91 ~OTICE T AK.E ACTION TO SAVE YOUR HOME FROM FORECLOSURE Tfti5 is an officil1l notice that the mQrtl@gC em your bome is in default, and the lender lnte.nds to foreelox. Specit'ie infbnnation about the-nature of'~'dm"dt is onrridi:d m tho anudtcd ~ The Homeowllers' Emergency Mortgage Assist;mce Program (REMAP) may be able to help to aw your bome.7bis notice explains how the program Wl,)rks. To see: if HEMAP can ~ y~. you must MEET WITH, A CONSUMER CREDIT COUNSELING AGENCY..I'!.lTlIDI )0 j)A S OF TIlE OA Tll OF TIllS NOTICE. Tok. Ibis NOl~' wHo you ..... yo. meetwldJ the cotlmclinz.aacnc,y. Consumer Credit Counsclina AJ.em:ie-s serv~ 'YOUr county are- . u m call the Penn lveam Hon ,. Pinaace rsurJ$ wi1h imoatred hearmllClkll (:111 117.780-1869l. La Nmificaion en adJ~to e~ de SlJma. importancia. plM atCcta 9U dereclio a continuar vivieodo en su c:am. sl no oompnmdc !Ill contenido de eata nOtificion obtenga una tl"l1duecion inunertiatBMente Uamando esta agencia (Pennsylvania Housing Finance Agency) sin cargos III nunt.em ma:ionado arriba. Puedes sa elegible pam un prestamo -pOf e1 programa llamado lIJ:.J:omeowners" F.mergeney Mortgaae Auistance Program" al cual puede salva:r su iCasa de I:a perdida del derecbo a redimlr su hipoteca. HOMEOWNER'S NAME(St. PROPERTY ADDRESS: LOAN ACCOUNTNlJMBER: CURRENT LENDEI\ISERVICER: BARRY WOK DEBI\A cOIfRADZOOK 601 HUNTINGTON AVE, ENOLA, PA 171m 0071il1l103'.l The Money Store: II~I~III~~III mMIII~11 0072688039 " - ~_:c ~_ -~ - "~ ~ 'j.,,-'",.- "--,;,~- ~~-~ ,~' '. THE MoNIr ....,.." 'yDll IilaV be e1113ible for flmtnr.i;\llHlljCUl~e which can !aYe vonr home t'\.oom ~klB.ure and IreJn YOU make future mormau oavn'lenti if you comply with the provision O'f lhe HomCOWllcd ~y Mortgage Assistance Act of 1983 (1he "Act"). You may be-eligible. for Cntcrgency mortgage ~sillBl1ce .. ifyoltI default w bwn QaUsed by' circumstal1~s beyond your control. . you have- a reasonable prospect (Ifbfljng able to pay your mortgage- payments, and. .. if you meet other ellgibilil)l' requirements established by the Penn$)'lvania Housing Fiuarwe A"",oy. TEMPORARY STAY Qt.. FORP..ctOSURE- Under the: Act,. you are entitled to a tempofary stay of the foreclosure on;your ~ for thirty (30) daylliom tile date of this Nutic:e, During tbat time you must ammgc and iItWId a "fllice.krfiu:en meeting with one oftfN dOtigtlated consumer c:otlfISCilingaael1des listed at the end of thiI:i: NoUce. This meed"1l Im.l!I oeeur within the next tbiUV flO\ daw. IF VOl I DO NOT 1IEJ:LX EQR EMERO""'r.y MORTGAGE .."',,,rrANCE. YOU MUST IlR.lliJ:l Y2llIl. MORTGAGE UP TO DATE. TIlE PART OF TillS NOTICE CALLED "UOW TO CURE YOUR MORTGAGE DEFAULT' EXPLAINS HOW TO BRING YOUR MORTOA<'iE UP TO DATE. mN~IJMBa CR.EDIT COUNSELING AGENCIEs..lfyQu tlncnd it face..to-fiu:e mcedn& with one: of the OOfl$lllmlf credit ooW1S8ling agencies listed at the end ofthis Notice. the tender may NOT take fttrrbar action Dgl:lin,<;t you tbt tbitty (10) days a:ttt!t tfte- date oftbls meeting, The 1IlIIJIJ!S: addn!nes. and ~ number!. of desiDnAted ConmmeT emmseling lIgencles for the c:mmtv iD which \lOOt ptooertv is InratPil ere set furfb at the!md..2fmis Nolice. [t is only :necessary to schedule one face..to.fitce meeting. Yoo mould aeJ"isctbis lender immediatelv ofyoor intentio",. APPLICATION l-UR MORTGAGE AssiSTANCE,.. Your mOItp&e ill: in default for the n:asons set forth bter in this. Noti(:ll ($1:0 fQU1)Wing pages for~e informlltion .mouube J\ldUre of your defauh). If you have triad and are lUlable to R$Qlve Ihfs problem with the: Jeader~ yw UlIC the: ri&ht 10 apply for financial assl$lMlcc from the Homeowners' Bmrqency Mortgage Assiattmce fund. In order to- do OIls, you must fdl out, sign.and file-a eompletod Homeowners' Emergency Assimmee Applialtion with one of the dMigneted consumer &mIft coumiCUngagencie51isf:tX1 at the.;nd of this Nolk:e. Only iIlQl15UJDeI <<edit counseling ag,eiifies bave appl1catiOR$ for Ibc program and 'they wIll assist yoll in submitting a rompleted application to the Pennsylvania Housing Pinance Agcncy~ Your appUeatian MUST be fil~ or ~ked within thirty(30) days of your fitce..~e :metting, YOU MUST f1LE YOUR APPLICATION PROMPTLY. IF YOU FAlL TO DO SO OR IF YOU DO NOT FOLLOW TIlE <JlTlER TIME PIllIIODS SET FORTH IN THIS LETrER. FORECLOSURE MAY PROCEED AOAINST YOUR IlOME IMMEIlIATIlLY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. t.lllil!cY AerION. AVlliIllbI. 1.1lds lOr _ morlgat< ..,l,,,,",,, are ""'l' limilod. Thoy will be disbursed by the: Agemy under the eligibility mta'ia llStablUhed by tho Act. Tbe Pennsyfvama Housing: financc Agency bas sOOy (60) days to make It de<:i$ion after Ii receives )IOU appllealicm. Dwilt.; tbat additional lime. no foreclosure proc::eedinp will be pursued aeaiost you If)'OU bave met the time requirements ;ilCt fQrtb above. You will be noti1ied dlrectly by the Agency of m decision w yl)ut applicallon. NOTE: If YOU ARE CURI\ENTL Y PROTECTEIl BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOI.LOWING PART OF THIS NOTICE IS FOR INCORMATlON PURPOSES 0:.';1. Y AND SHOULl) NOT BE CONSIERED AS AN ATTEMPT TO COLlECT THE. DEBT. (If )'011 b4ve lilOO bankrup"'Y j'<lu ca. ,dllapply lOr __ M_gc Asoirillnoe.) ~ge LoanSerridll9 .'''-'''' '< '=- " C~i@1 I , . . -" ~ - -~ ' ..... MoNw .... HOW TO CURE YOUR MORTGAGE DEFAULTlIlrillll I...... ,.<illte). NATURE OFTHE DEfAULT, The MORTGAGE debl held by Ib, sheve _ OIl YOUfproporty 1_ al 601 HUNTINGTON A VIi, ENOLA, PA 17025IS SERIOUSLY IN DEFAUL T_: A, YOU HII YE NOT MADE MONTHLY MORTGAGE PAYMENTS for 1he following numths aRd the mUowiflg ammmtsarenow plIit dut~ N!!mOOr of Payments- Delmq~: l Delinquent Amount Due: Late Cbqe$; Reco~1e Corpot"l\tC Advtlm:es Diller Charges anI:! Advances t&ss funds in Susptfi$e: S150~ $6.011 S 110.00 $0.00 $0.00 S9lll.36 Totllll)ue: HOW 10 CURE 1'HBDEFAULT .,- YOIt may cure this dcf'iwlt within TIlIRTY (30) days ftom lbe date of Ibis 1_ BY PAYING THE TOTAL AMOIJNT PAST DW TO LENOOR, WHICH IS (TOTAL AMT DUE) PLUS ANY MORTOAOI! PA YMIlNTS ANI) LAn; CHAltGES (.... olller dwges) WHICH BEOOME DUE DURING THE THIRTY (30) DAY PFJ\IOD. Pa_ mIL" be l11lI<Ie eitber by ...~. cashier's c1:n::ck. =6ed check, or money ortlor made pllyab~ ro ~ Money Store iJt P. O. Box 96053, Chari..., N.C. 28296.o05l. IF YOU QPNOT G]]RE THE DEFAULT..lfyou do..t """ 1he<loflwll within THIRTY (30) day. or this letter date, the lender mbJw to exen:ise Us ri to accelerate the m . dtbt. this meamc 1I1at the entire outStanding. &nee of this debt wiU 'be: amsidered due im wly and you may lose the ebtmce 10 pay the mortga&e in mQRthly installment', If filll payment of the iIIilOU11t of default is. DOt It'lIlde wil:bill TIlIR1Y (30) DAYS OYTHE LETIERDATE. '1110 MoMy SlOO: ...._to In....", lheir_to marta legal action to lorec!ose\JPM your m~~. IF TIlE MORTGb9E IS FORECLOSIID UPON.. The m_d property w", b< sold by 1he SOOiff to payoff the morlpge debt. If the lender rtfm )lOW' case to its auomeys,. bot you 1l::UR' the: deli1tque1K)' before !My begin.legal proc:eeclinp *&4instyou, youwiU bave Ii) pl.)! the reasonable altuml!Sy'S fell!s 8Cb11d1y incurred up to $$0.00, f{(JWever. if legal proecedings arc Slartcd again$!: yoo. you wiD bavfl: to ply the rea&ot1abtc :aUOOJ\tY$ fees .actually ineumld even if they am over $$0.00. Any lilttofney's fees. will be added to the wnoullt y(jU -awe the lender. which may aJ!lO incJw1e 1heir [ea50nable cos1s. If YOII ~are tbl: default within the nUIlTY (JOlPAY ner.iod. vou will not ~ te:qWred to pay attorneYs' fees. .~OER REMEDIES. Tho !<n..., may.... ",e yo. """,,","Iy fur !be unp:ojd principol"'lance. and till ether sums due \lnd:e:r the Mortgtge. !\!9!:!T 1'0 CURE THE DEFAULT PRIOR TO SHERIFFS SALE. If ~ kINO not cured .he dafallh wlmin the TIl1R1Y (30) day l"'io<I and f.",,1oroHe _cedillg$ have heuun. ~ Illin llav. lIle right to cure the defauh and preVCJU the sale-at MY time up to one bourbeforethe SberlffS Sale. YOlImay do 50 by paying 1he total amount Ibm p$st due. pIllS any late chlqes. charges Ihen due, ~ab1e attorneys' fees and costs connocted with the foreclolUl'C sale and any other I<O$b Q)nnectCd with the Sberif& Siile 8$ 'peclr... in writing by 1he leocler and by pelfurmin,g any Ol~'" ""'......... un""'.... _ge. Cllfing your default in the manMr ~ fmb In this Notice wilt restore your mortgage to the same position as if you hadn.cverdcfaulu:d. Mo~l,.oonS_itll'tf " ',",: - ~~ ',--, -- ~' " "'~ .- ~~!i THE McMEy Slvtd' EA!U,..lEST POSSIBLE SHliRlfFS SALE DA m...1t is- estimated milt tbe earliest date that such sheriffs safe' roaM be held is would be approximately five (5) tltMdlS ttoIn fir<< date of this Not~. A It.Ofice oflM actual daW of the Sheri,ffi, sal., will be sent 10 you bef'bre.1he sale. or ~ the amount needed to cure Ihe default' win increase the longer you wait. Y Q\I. may find out at any timt exaetly what the Rquirtd payment oraaioo. will be by emt:atling:tbe lender, HOW TO CONTACT THE LENDtR N_.fLtllllN Address: 'telephone Number: The Monl'!)' Store P. 0.&, 96053, ChOlloUe, NC 28296~OS3 800 195-5125 EFFECT Of' SHERiFF'S SALE- You should reali7.t (hat a $heriffs!ale will end' your owombip of 'the monwed propttty and )lout riglrt 10 oeatpy it. If you- continuo to live in the propertY after the skirrs sal~ 11. lawsuit to remove you and your furniture and other beloogir!p coull! be -Started by the lender at any time. ~.~S\JMrnON Qf MORTOAOE~ You may not sen or fl1InSt'er rOUt home to a buy<< or traMferee who wit! assume. the-mortgage debt. YOU MAY ALSO. HAVE THB RIGHT '" To sell the property to obtain money to pay off dle mortguge debt.. or bon'ower mane, fi'om another lending Du.titution tt) pay off this debt .. To bavetbis default cured by any third pal1Y attingon yourbebalt . To have me mortgage nmou:d 10 we sam. po;;.l.tiQfi as if M defimh had. Q\Xi;um:d. (However. you are flat entittcd to dtis ngbr more Umn threo times. in a calendar year). . To iiSsert t'lut nOl1eXiste,," of a 4efaqh In any (OTeltPI,ft: proceeding t)t' any other tawsui[ instituted under dIe m(lrtgD&c document!. .. To J\$$trt any other defense )'OU believe you may have to $Uch attioo by the lender, -To $Oek prot<<:tiOtl uttder the tJx1eral bankmptcy Jaw. Si:n(;ctely. Default Adminilltration Department DF'l8S Mortgagu Loo" Sel"ii'kins ~ ~" .,v ,. "~ - --~ .,[, ,-~ '"j-. '~, "'-,." .. i~~ 1'HI MoNIY B,vd" ....... - ...."., ......'" fBRC .""'1Il< I!DlIIUftdCllPTFIIIIl SENTTO, ~~AllltfS1a DEBRA CONRADZOOK .. Code: 12688039 .Jl - BARRY ZOOK '" ;);01 PM rIle.: 601 nUl'o'TINGTON AVE CI .. mOLA. PA 170%5- CI DEBRA CONRAD ZOOK .. ". .. 601 HUNTINGTON AVE "- ENOL/\, PA 17025 PSFORM3800 Mweb 9, 2000 .~. ~EC~; RE, l.oanNumber DCm6lll1039 Prop"lY Address, 601 HlJNTlNGTON AVE, ENOLA, fA 17111S ACT 91 NOTICE TAKE ACTION TO SA VI! ~OUR HOME FROM FORECLOSURE 1'bm i1l an official QQti<:e that the m on Specific Infunnarlon about dm nalDre of the Itome is In defau and the I intends to foret 15D1'lW'In$.!:?~ T.. H_own",,' EmergelltY Marta'lln A'~_ Proslll!ll (IlEMAP) llllIJ' 00 obi. to h.lp to.... yoor home. Thi$-n(ltic.eex.plaw how the progmn works. m1J$f MEST W.tnl A CONSUMER CRB>JT COUNSELlNQ OF THE DATE OF TIllS NOTICIf-Take Ibis Noli;" wilb u when _ The nam,,!:.t ad~ and nhone nwnbilW ofCoosumtlf Creett COUflselin A listed at the flndoftbisNOlice.I.f~have an l.lesttOIUi cantlu:l ~~tree~.t.soo..342w2391 rsonswith. iredl1emi cencall?1 La Notificaion en adjunto n tit:' $il:mI im~ ptteS aCeCfa $U dcredlo a continuat viYiendo en su C8!Sa. Si nil tompMlde cl QOtItenido de C$ta flQtifu::km obWnga una tradutcion immed.i~ ltammdo eMa agencia (Pmldsylvania Housing Ftl':lanC:e Ag.ency) SUI Q;rgOli al nwnero mcnciobado arriba. Plllldcs ser e1egible pam un prestam.D por el progr.una l1amflllo "'Homeowners' Emergency Monpae Assistanee Program" al elmJ puedll! $\Iwr &u casa IN Ia pentida del ~ho (I ~imir su bipoteca. less ~ eo are OIlS' Finance HOMEOWNER'S NAME(S), PI<.QPERTY AIIDRESS, LOAN ACCOUNT NUMBER, CURRENT LENOERlSERVICIlR: BARRY ZOOI< DEBRA CONRAD rooK 601 HUNTINGTON AVE, ENOL,\, fA 170:15 IlO716II8639 The !'doney Store MariS. ,"-p SlU'Yiting " ~ " d ,. ,-'- .-~--- '-.,-'..'-" -C__L",'_" "- "-'--, n. MoNn' SlOB- Y.Q.-U..J1\iV bt- elildhle for fimnclal assWanM which CW1 save \lour home from roredo!Dlrp. and helD \IOU make 'future morttmJl'e navmell13 If you comply wUh the provision of tbe HQmfOWIlOIS' Emergency MOftIl"ll' Assi......"'" of 19113 (the "Aet"). Yon may be eligible fur """8""Y _, ..._.. . if)'(Wf default'.has bteB~lJ$ed by tb'eum!\tllttCet beyond rour(OOtflJf. "O~ bave a reasonable prospecr ofbeing able to pay your mottgBse paymetm. aad . jfyou meet other eligibility requirement! established by Ihe PenJt$.ylYMia Housing Finance Ae'O<)<. TEMPORARY STAY OF FORF.l'J..QSURF.- Urn.lllr' thll Act, ycu are entitled to a temponuy stay of the futeeJ(l$!.lre O1tyour~ fortbirty (30) days:tn:un the date oftbisNo1tce. During. that time )IOU must ~e and BtfeDd a ~face..ro-w;e" m~tl.3 with one ortbe designated COO$Umer ~1i11l agencies listed at tI:w end or tbis Notice. This meetinp- mUlt -occur within the: next thirtY 1]0) lIav& IF VOU DO NOT ~ fOR EMERGENCY MORTGAGE ASSlllTANCE. XQ!l M!.!&! llI!ll:W YQllS Mll!\JOAGE UP TO DATE. TIlE PART OF TffiS NOTICE CALLED 'HOW TO CURE YOUR MORTGAGE DEF,wLT" EXPlAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDlT Cot fN:SRL1NC A(lln-.lr.IPA. If you attend ;! face.to-Eate meetint: with 000 -of the- OOI1$ur11ereredit ComIstling, a~es listed at the end oftbis Notice. the lender may NOT take t1Jrther actionapinst you fur thirty (SO) dQys after1he-d$ ofth1$lI*tting. Th8 rUlm_. ~ and ~ nu.rs of'des.wnatcd consumer ooutlSll!!llht~ .8ltellCiH for the- oountv m wbir:b your DJODeItV is located are B't forth at ~ end of tills Notice It is oolynecessary to scllcdule one f"ate.to-facc meeting. You: .$bould advise this lender immediaulv ofy(lut int4ntiOf$&.- AEI'LlCATION FOR MORTGAGE ASSISTANCE, Your mortgage ~ in dcllmk fur ilio ....... se' follh law< in thi, NOO<e (... tbllowine pages fur S\'Onl& inftltmstlon aboot the..... <>f}OIl' default). !f YQL1- have tried and art unablo to noolve thi$ problem with the tender, you have the righr 10 apply far fitul.ne{jl.1 ;l.$$l$t8J\Qt from the Homeowners' Emerpooy Mmtgage Assistance fund. In order to- do this, you must fill ow:, sigo and file D eomplettd Homeowners' Emergency Assistance Applitatton with one of the des.ignated (:Q~ ere4i1: <:C)UJ\seling ag.;;~ lismt at the end uflhi& Notice. Only -wnsumer c:nxlit 1:QtInselingagencjes bave applica1ioAs for theprvgmm and th.ey will assist:you in S\lbtniuin&.t oompleted awlkatiOll tG the Pennsylvania Hflusmg: f'inanee Ageney. Your applicatiol\ MUST !;lie fiI$.i or- ~arked within thirty (30) days of your face-to-face meeting. YOU MUST fILE YOUR APPUCA110N PROMPTLy. IF YOU FAlL TO 00 SO OR IF YOU DO NOT FOLLOW TII!! OTHER TIME PElUODS SlIT FORTH IN TIllS LETIEI!, FORECUlSUIU! MAY PROCEED AGAINST YOUR !lOME lMMEf)!ATBLY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL DEDENlED. AgENCY ACTION~ Availabl~ funds for emef'JCJlG>' ,mortgage assis1anc::e are very Jimited. tbi:)' will be distlursed by the: Agency under the cliWbiUty criteria established by the. Aet. The PemJS)'lvania Housing fm;lIlu~ Agency hIlS &ixty (6(1) days to make" deeision :after ir "*,ives you appl1eatlon. During tbat additional time. no foreelosure proeecdings will be pursued against you if you bave- met tbe timo requirements. set fnrth above" You will be notified dlrectly by the AgeoC}' or its d~iskm on your applic4ti(l[l. NOTE: IF YOU ARE CURRENT!. Y PROTECTED BY TIlE FII.INO OF A PETITION IN BANKRUPTCY. THE fOLlOWING PART OF TIllS NOTICE IS FOR INCORMATlON PURPOSES Qf<tLY AND SHOUI.D NOT BE CONSlEIlllD AS AN ATTEMPT TO COLLECr THE DEBT. Of)'OU ha~c filed bankruptcy you can still apply for Emergem:)' Mortgage Assistance.) MortgGge- l.I!ICUI $el'Vidag ,~, ^ - " , . _ow, t,',-'" ,,', ,_ '. !" , -~ ""'."~.' .",. MONO' SlaB" HOW TOCIJRE YOUR MORTOAGE DEFAULT (Brill~ k...,dm). NATURlj.QKJHE DEFAULT. The MORTGAGE de1>lll<ld by the ab.velellder on,.,... propenylocat<d ,,60 I HUNTINGTON AVE, ENOLA, PA ImSIS SERIOUSLY IN DI!l'AVL T _use: A. YOU HAVE NOT MADE MONTIlL Y MORTGAGE PAYMENTS fo< the followilll\ monthii. and the following 8mOUIltsare now past due: Number ofl'ayments Delioqutln: 3 ,Delinquent Amount Oue: Lale Charges: Recoverable Corpome ArJm::tU$ OiherCbargcs.and Advances Less. funds-in Suspen.'ie~ $15036 $0.00 $ 170JlO $0.00 $0.00 $920.36 TOOl_Due: HOW TO CURE THE 'DEFAULT - You may cure this defilult within THIRTY (30) days from tbe dil1te of 1hi> I....' BY PAYING TIlE TOTAL AMOUNT PAST DUE TO LIlNDEII. WHICH IS (TOTAL AMT OUE) PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES (and other charges) WHICH BECOME DUE DURING THE 111IRTV (30) DAY PERIOD, Payme'"'..... be IIIIlde eillt.. by cash, <<I$mt\r~9 check, certified cmk, or money order made payable- to The Money -store at ft. O. Box- %053. Charlotre, N.C. 28295-0053. If VOU DO NOT CURE THE DllFAULT .-Ifyou do not eure ihe defanll withl. THIRTY (30) doys of this letter_ lbeJeDderintends ta excN:iMits right to accelerate th~.:m.9~ !hit: D:'IWl$ tIm the en\iR out~g baltmce of this debt will be considenld due immediately and you may lose ibc- mlm" to pay me morigilge in monthly l:Il;talbnetm, If fuD payment of the amutmt &f d8fa.uk is not made within THIRTY (30) DAYS OF THE LETTER DATE, Tho MOIley Store a1.. ~'" to _Ihel, tlt\OtlleY' to start n. legal action to foreclo$c ut)OfI '!lour mortewred tll'(IDeltY. JIJ'flE MORTGAGE IS FORECLOSED UPON-. The t11OJ1pg<d propet1y will be"W by the Sheriff 10 payoff the mortgage debt, If the lender refers fOur ease to its auomeys. bur )'00 cure the dellnqucml;)' before they begin legal pr-o~ i1:gaiast Y1lUI you win bm!c: to pi)' tba R:MODabletUomey's feesactllally incom:d up 10 $So.oO. lIowever, if legal p.,.ee<llnll' "" _ asalnsI you. you will have 10 pay tllll reasOflab!.e att-Dl.'lleY"s fees actually incurred even iftbey are over $jO.oo. Any IlItlomey's fees will be added w tbe amount you owe the lender. whim mll}',pl$<) inchtde tbe1r reasonable ~, !f yW. cure the clefauh within the THIRTY (30}OAY ner.tod. YOU wlllllf)t be reQUired to pay auontevs' fee$. OTH~R LENDER REMEDIES- The lender may ;jllso sue you personally forthe oopaid principal balance, and all otlrerl;llm&due underme Mongage, &lGHT TO CURB THE DEFAUl.T PRIOR TO SHERIFFS SA1&- If you have not ..oW ihe lIef.ok wlthilllhe THIRTY ($0) day period and foreclosure prol;ueding$ have: bo&Un. you still.ha.ve the right to cure the de:f.mll and prevent the &ale at any time- up to 000 hOUf hefhre tfm Sht::ciflS SaIt-. You may do so by payinglhe totu1 amount tben past due pl\li atl)" late charges. charges thea due. remnable attorneys" fees, and costs conneded with the forec.losure sale aud any other costs Wfl~tted with the Sheriffs Sale as specified in writing by the lender nnd by performing any omer requ:iremel1ts under flu:, m.ortpge.. Curing your default in the mmn~ SEll ti)nh in: this Notiee wUl restore your mortgage to the- same- posltJoo as if)'ou bad never defaulted, Mottg~ 1.0Gb $et'll'lfillg ~ c . '-,; , '-~--. -, =' --_.,._,-._ '..i.,~-'_"' '~, = ". MoND'sroa' EARLIEST POSSIBI.E SHERIFF'S SAl.E DAn;. It is estimated lllal1h, ....U... date !bat such "'_ sale- could be held is would be approximately five (5) months- from the date ofthi5 Notiee, A QQ\[(;e of the actual dm (Irlhe Sheriffs Side will be IICIlt 10 you before the sale. Of course.,. the amount needed. to cure the defllllh will inmase the: lQnger you wa.R. Y()O may find out at an)' time: oxactI)' whilt '!be reqnired payment or action will be by tonlacting. the lender. HOW TO CONTACf nm LENDER Name ofLeflder Addms: Telephone Number: The Money Srore P. O. Box 96053, Clmrlotte, NC :nZ96-W" 800 795~5125 EFFECT OF SHERlFPS SALE- V"" ,11wkI...u.. lllala ""rim oaI, wUl end yo", "",,""'ip of the mortgag<<l property nd your ri8fJt to occupy if. If you tontinue 10 live in the property .&1: 1bc- sheriff's sille. it lawsuit to remove )'QU and your fwnitme Md other belongings could be ~d lty the lender at any time, ~~!!~PT10N OF MORTGAGe.. You may not satl or 1ram.fer your borne to a buyer or In!nljferee who win as5ume themongagedtbt YOU MAY ALSO IIA VE THE IUGHT .. Tb sell the property to obtain mlJmlY tv p$y off the mortgage dC!bt. or bonowcr mOflCY from another lending instilUtion to pay offtbi~ debt . To have this defantt cURd by Imy 1htrd party Kling OIl YOW' behalf. . To b,",~ the: mortgage resJoied to the same .,a$1lim as if no dd'uull had otcmrc:d. (However. you are Mteodtled to mis right more than three: times In It "lendilr YeIlf), . To assert the nooexistence of a default in any furec:tosure proceeding or any othtt lawsuit ill$tituted under the mmgage documents. .. 't6 ~ any o1her deftnse )'W belie\le you may have \0 SIlcb aeUon by 'd't$ ~. ..TO' ~ _ ond<rthc f<dml baoknlpu:y law. Sil~ly, .Default Administlailon Department DF98l MotftJC$ge LMlt 5ervldltg ',;:> , - --'>;""""'..iIili.dl1iiA:l1llU Iiiiii_~""w,-..o.,"",--~",""",""" ..,,- - -., ~ """'-~- """~ " "~~ --I ""~! lfiIIIll(~"'" ~_ElI~~. ~. . .,- '-'~-i:W~~ __" ,.'''P" _ F "'.>'_. ,",__~~~.~.~,o-,__._c~>"_~_,,, r ~ t.sl. 1 ~ .'/f 8 0 0 0 g h f~- (.--:Jr -n q 1::, rc~ ::1: ..~ 0 '1 92-~f] ~.. :r:n -'< J llr- &i c- o ~~; '-'c;rn .-J '~o I {~ t r:r'-i ::"'-:.0 ~ U ~ ~R -~:::I -r :-B .. ";'-: F 5,2() Pc: '-'> am -, -I L. j:; J =< w "..., -< ".' ~ . ..~I c(J tJ r~ (b ti . )..) i- ~7'J ?J ~ .~ t- fJ ~ ~ ,9 r 0} . , , ~- y ~ - .. . , SHERIFF'S RETURN - REGULAR CASE NO: 2000-03075 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND BANK OF NEW YORK THE ET AL VS ZOOK DEBRA A CONRAD ET AL KENNETH GOSSERT , Sheriff or Deputy Sheriff of Cumberland County, Pensylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon ZOOK BARRY E the DEFENDANT , at 0017:20 HOURS, on the 31st day of May 2000 at 601 HUNTINGTON AVE ENOLA, PA 17025 by handing to BARRY ZOOK a true and attested copy of COMPLAINT - MORT FORE together with NOTICE and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 18.00 9.92 .00 10.00 .00 37.92 ~~'l-t:~~ R. Thomas Kline 06/01/2000 GOLDBECK, MCCAFFERTY, MCKEEVER Sworn and Subscribed to before By: H~ / epocy he~ff me this 7~ day of ~ Mo-o A.D. fl. . {l. ~ ~notary ,~ .i I., 'C' ~;,.,~:~ ~- - f SHERIFF'S RETURN - NOT FOUND CASE NO: 2000-03075 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND BANK OF NEW YORK THE ET AL VS ZOOK DEBRA A CONRAD ET AL R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named defendant, DEFENDANT ZOOK DEBRA A but was unable to locate Her in his bailiwick. He therefore returns the COMPLAINT - MORT FORE NOTICE , NOT FOUND , as to the within named DEFENDANT , ZOOK DEBRA A DEFT. NO LONGER RESIDES AT ADDRESS STATED, NOW RESIDING AT: 314 LINDA ST, DEER PARK, TX 77536 Sheriff's Costs: Docketing NOT FOUND RETURN Affidavit Surcharge 6.00 5.00 .00 10.00 .00 21. 00 "-. County GO 06 MCKEEVER Sworn and subscribed to before me this ? ~ day OfQuu- :2~ A.D. ~Q.~~ Pr t onotary '" - ~ . , ,,';';' " - _0. - -n, w_.' ~ y ,- 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. I HEFiE8Y CERTIFY THAT T~"~ is ... ,i\ND CORRECT <.),' 'hi: ORIGINtl.L FILc.u THE BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING & SERVICING AGREEMENT DATED AS OF NOVEMBER 30, 1995 SERIES 1995-C c/o Rosicki Rosicki & Associates P.C. One Old Country Road Suite 375 Carle place, NY 11514 Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE VS. Term CIVIL ACTld'N: MORTGAGE FORECLOSURE D6 - .JO'7S C;ucl Y02-rl DEBRA A. CONRAD ZOOK AND BARRY E. ZOOK (Mortgagor(s) and Real Owner(s)) 601 Huntington Avenue Eno1a, PA 17025 Defendant(s) 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 ~ay 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 USTED EN LA CORTE. SI DESEA DEFENDERSE CONTRA LAS QUEJAS PERESENTAOAS, ES ABSOLUTAMENTE NECESSARIO QUE USTED RESPONDA DENTRO DE 20 DIAS DESPUES DE SER SERVIDO 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 r: 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 PUEDE, SIN NOTIFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y REQUERlRA QUE USTED CUMPLA CON TODAS LAS PROVI$IONES DE ESTA DEMANDA. POR RAZON DE ESA DECISION, ES POSSIBLE QUE USTED POEDA PERDER DlNERO, PROPIEDAD U OTROS DlSRECHOS IMPORTANTES. LLEVE ESTA DEMANDA A UN ABoGAbO IMMEDIATAMENTE. 81 NO CONOCE A UN ABOGADO, LLAME AL "LAWYER REFERENCE SERVICE" (SERVICIO DE REFERENCIA DE ABOGADOS), 215-238-6300. cumberland County Bar Association 2 Liberty Avenue, Carlisle, PA (800) 990-9108 TRUE COpy FROM RECORD III Testimony whereof, I here unto set my hand &10....... of "'" ~.IiSie. Pa. _T~~~~,~~:~ . . . , dry Legal Services Inc. a Irvine Row, Carlisle, FA 17013 (717) 243-9400 - ~ L " -~i,'" . _ ,,,,'-,"-'. "-lii!,.; COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is THE BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING & SERVICING AGREEMENT DATED AS OF NOVEMBER 30, 1995 SERIES 1995-C, c/o Rosicki Rosicki & Associates P.C., One Old Country Road Suite 375, Carle Place, NY 11514. 2. The name(s) and address (es) of the Defendant(s) is/are DEBRA A. CONRAD ZOOK, 601 Huntington Avenue, Enola, PA 17025 and BARRY E. ZOOK, 601 Huntington Avenue, Enola, PA 17025, who is/are the mortgagor (s) and real owner (s) of the mortgaged property hereinafter described. 3. On November 28, 1995, mortgagor(s) made, executed and delive:r:ed a mortgage upon the premises hereinafter described to TMS MORTGAGE INC., D/B/A THE MONEY STORE, which mortgage is recorded in the Office of the Recorder of Deeds of Cumberland County in Mortgage Book 1294, Page 256. By Assignment of Mortgage dated November 28, 1995, the mortgage was assigned to Plaintiff, which Assignment is recorded in Assignment of Mortgage Book No. 523, Page 1139. 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 January 5, 2000, 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 12/ 5/99 through 4/30/00 at 10.250% Per diem interest rate at $7.43 Attorney's Fee at 5% of Principal Balance Costs of suit and Title Search $ 26,452.98 1,092.21 1,322.65 560.00 $ 29,427.84 Escrow Balance Monthly Escrow amount $ $ 29,427.84 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 ~~ o' , -~ -, --C.-11RI Sale. If the Mortgage is reinstated prior to the Sale reasonable Attorney's Fees will 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 $29,427.84, together with interest at the rate of $7.43, per day and other expenses incurred by the Plaintiff which are properly chargeable in accordance with the terms of the mortgage, and for the foreclosure and sale of the mortgaged premises. By: GOLDBECK BY: Joseph A. Goldbe Attorney for Plaintif McKEEVER , Jr., Esq. ". C'_ ~ ~.. ,-_ ""' - --~ '''; - .' .--.'" .'; I __.~_'"._ r..J" r ~ _ 1 Hr~.LO t:Ji':J .L'::""JJrn VERIFl:CATION I, as the representative of the Plaintiff corporation within named do hereby verify that r am au.thorized to and do make this verification on behalf of the Plaintiff corporation and the facts set forth in the foregoing CompLaint are true and correct to the best of my knowledge, information and belief. I u.nderstand that false statements therein are made subject to the penalties of 18 Pa. C.S. 4904 relating to uns~orn falsification to authorities. Date: 'jL~O/~ "" ~~~.~ #164-1057/72688039 - ZOOK,DEBRA A. CONRAD ~. ..., EKHHHT !l IlLL THIlT CERTA1H ?ROf'fHTY SITUATED IN THE TOWNSHIP OF EAST rftfNSBORO IN filE COUNTY Of ClJHSERl.AND m.!O CQMHONIIEP.l11l OF peHN~YLVAN1A. BEING t',OftE \:l)U.V !n:SCRIBEO I~ A or:m OOTfD !V0l/8"1 ANn !fE.CORDED \:;:....;::S/8'?, AHONG THE LiiNfi BeCOODS Of THE COUNTY f1.ND STil-TE SET fORtH: JlBOVE. iN DEED VOLUnE C33 f,W~ j'flGJ: 861. ,-,", ;'i',f' 1m PARC€L !D ~O.: (UO-!.:t-OO'34-2~2 flODR!::SS: S01 i-lllIHiNGTOIi AVE. . '''ofp; "'ltY<<~J$S .{IoClJn'h8O#1iq i''"~t.....,,,,,,, /&nor. fflg'ot 8 "01:- ~fU~ ' 'C.ltny~~~ . . ".PA,.., oI"~. () . Oll'ot-A:...ltt...,i;[~ ./7' ... /--.:p,tJ{'"...;;r",~ ~.' ,/7/"".... ioo~ 1~1J.1 mE 2H3 , "'~ ,; , -;.ili;; -" ---~ EXHIBIT A .",. MoNn' $.tJd' ..I\I.IGNME1\l. ...- NBRC DEBRA CONIWl ZOOK BARRY roOK 601 HUNTINGTON AVE ENOLA. PA 110:15 - R...,n ..- sENftO: _000 9;32AM -"" ..........- 'lIHI'LPOSUIGIM<<IKD tr '" ru I\J ... tr ru ... tr N Ccde;~ FIie: MardI 9,2000 . . i , I I \ pSfOllM seoo iI-- BARRY ZOOK 601 tlIlNTINGTOlI AVE ENOlA, PA 11025 l\-c.tIl! --, - RE; Loan Number 01)12688OJ9 Property AtkJre$$: -60J IWNTlNGTo."'l{ A VI:,. ENO~ PA 1'1O%S At:T 91 NOTICE- TAKE ACTION TOSA VE YOUR HOME (<'"ROM FORECLOSt.lltE this is- an official notice that the mortgage on. your bome is in ueiault, and the lertder Intends to tbn!:dose. Specific infbnnat}on about thC"nlltUre:~d:le dt::faylt is provided in 1bo arlilebed Pl!'P. The Homeowners.' Bmel'gem::y MDft&age Assistance Prngram (HEMAP) may be able to help to $3ve your borne. This notic:e e~plllins how the program WQrk~ To see if HEMAP can he~ YOU. you must MEET W~,. A CONSUMER CREDIT COONSELJNG ~.9ENCY .wrmIN 30 r>A S OF lEE OA TE OF nus NOTICE.. Take Ibis Notiec wkb YOII w1u:n YOII meet wiltJ the cotmscUnll:: iOOIDtY. of CQnswner Credit Counselmlt .Aleneit'S !iM'ing vour oounfY ID't U h!ye iJJY autStions. you may <:alllhe PennsvlYfDla l'IQWilng Finance rsulIswilhim . dhe:arim~amealI717-78()..18691. La: NmifJcaion ell. adjumo es de SlltM importanda. pues afccta 1IU defetho a CODtinuar viviendo en m casa. 5i no cornprendr: eI c-ontenido de es;la notiracion obtenga una ttad1Kc:ion immedialDD1el1fe Jlamando csra agencia (Pennsylvtmia Housing Finance Agency) sin cargtlS al uumero mencionBdo mriba. Pu. aer .legible pam llll preslllmO pm e1 pm!!""". 11_ "Ilom_ Emergeocy MoItgage Assistance Program" al cual p\l.<<!'e ;!lahra:r su casa de Ia petdlda del derectlo a redimir $\I bipoteCa. 1I0MEOWNER'SIoIAME(S): BARRY ZOOK I>EIIIIA CONRAI>ZOOK PROPERTY ADDRESS: 601 HUNTINGTON AVE, ENOLA. PA 17ll1S WAN ACCOUNTNUMBf.R: 00'/26l111039 CURRENT LENDEIVSERV1CER: Tho Money 5<0.. IIII~~I.II~IIIIIIIII~I.~I 0012688039111BRC ;;, ,'-,;, "r;1- '1!@1fj ;-' ~ , ;,', 1'H5 AtONIY' S'J'OU" Yon mav be cliRibIe for fmaneialrwilltance which can saW! V()llr home from f~losure and beto vou l.1Ullr.e fi:riute rnortotre DavJtWt(l if yoo c(Jlllply with the provision of me HomeowntJ"$" ~ MorMe Assi5lance Act of 1983 (the "Aet"'). You may btte~ib]e for cmergeecymortgage 8$Si$tance . ifYQIlr default has bwn caused bycjrcumsQn~ beyond your control. . you .have a reasmable prospect ofb~.ing able ro pay your mortg.age payments. and . if you meet oOlue-ligibilityrequiremelll5 esrablishcd by the Pemsylvania Housing Flna~ Agency. TEMPORARY STAY QI.,FORECLOSURB- Under 1ht Act, you are entitled to. temporary stay ofm. foreclosure IJJJ your tnO~ for thiny (30) da,ys fiom the date of this N(lfk:e, DurfR,g that 1ime you must arrange and atmod a "face.to-fllce" meeting: witb one ofdw designased consumer <:ounsdil1g agencies Ibled I1t 1he end of Ibm: Notiee-. This moetinl! must occur withill the next tbinv Go): daft IF YOU no NOT tllFLX fQR EMERGENCY MORTGAGE A."''''ITANCE. YOU MlJST BRlKQ XQ!.!!!, MORTGAGE UP TO DATE. TIlE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGB DEfAULT" EXPl..AINS HOW 'TO BRINQ YOUR MORTGAGE UP TO DATE. CONSUMER. CREDIT COUNSELING AG~Es.. Tryon anend it face..to-fact meeting with ODe of the WNIlmllf mtdil OOUflSeling agemeies li*d at the: eftd of Uris Notice. the lender may NOTtake further action against you fortbirly (30) days A'l\er the 4ltte of'tbis meeting. The nA""'_. l'lddrenes and ~ numben, or de1I.i&rttated oonsumer CDIJJ1Seliu lWeI1Cles 'tbtthe tOUi1tV in whkh yOllJ' OfOnertv is ~ are w: forth at the.~tbis. Notice.. It is ollly necessary to schedule ooe ~filce meetin;. Yl)ll should advise this lender immedilitelv of your int~ntiops. APPLiCA nON FOR. MOR.mAGE ASSiSTA'NCF... Your .mortgage- is in default for ~ reasons set forth larccin thisNotil:O (see followmgpages. farJpllf;iflc infomutioo about1be nature of your det1utt).If you have tried ami are ~ to resoJva this problem Willi the Jender. you have Ihe: ri&bt to apply fbr financia1I1$$K~ee from the HODlCQmlel$' Em~nq ~ Assistance Fund. In order ta do this,. you tnU'!l1 fill out. $ign Md tile a completed Homeowntd t1mergency Assistance Application with <me of the designated e:onsum.er l;redit COll~Iing.lIlsenCies lmod # th4 tnd of this Noll,.\:,. 0R1)t ~QDSIIlIler "redit counseling agendes have- applications fOrllle program and they wIll assist you in subntittiDg a completed application 10 me Pennsylvania Housing Finance: Agency. Your Application MUST be filed or ~ked within thirty (3t)) days of your face..w-.fac<l' meeting. YOU MUST mE YOUR APPLICATION PROMPTLY. If YOU FAlL TO DO so OR IF YOU DO NOT FOLLOW THE OTHJ;R TIME PElUODS SET FORnI IN THIS LEITER. FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENiED, ~f..."'.Y ACTION_ Available funds fur emergency l1WrtgI'Igt: assistance are vet)' Iin1lted. They will be disbursed by the Agency lmder the eligibility criteria established by tho Act. Tho Pennsylvallia HollSing finance Agency has sixty (60) days 10 make a deci$lM. after it receives you applielll'ion, During that additiomd time" no roreclosuro: pTiIX'eodlngs will be ~ fl8,8mSl you if you haw mtt the timl: ~f:I; ~ fmth above. You will he notified dlrectly by the Agency of i~ decision on your applianion. NOTE; IF yO\) ARB CURRENTLY VROTllCTED BY TIlE FILlNO OF A PETmON IN BANKRUPTCY. THE FOLLOWING PART OF TIllS NOTICE IS FOR INCORMATION PURPOSES ONLY AND SHOUL!) NOT BE CONSIERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you ba.. moo bankrup.cy )~. can ,till apply fur l!mergoncy Mortgage Ass;stllllce.) ~rt9CIge leon $~roticm9 ",. MolIn B,vd" ,~- HOW TO CURE YOUR MORTGAGE DEFAULT (_;;upto dato). NATURE O.-THE DEFAl,lLT. The MORTGAGEdebtbeld by 11I0.00.._ OIl y...."""""" loomed at 601 HUNTINGTON AVIi, llNOLA. PA 110251S SERIOUSLY IN DEFAULT1>eawoe: A. VOU HAVE NOT MADE MON1HI. V MORTGAGE PAYMENTS for 1he followins rnoodts and the IOllowing amounts are now pu due: Number ofPayment$ Delinq~t Oelioqumt Amount Dmr. LareCll"8"" Rec:overable CurpQrBte: Advances Other Charges and Advancea Less funds in Suspe1i$C; T..aal.Oue: 3 $750.36 $0.00 $170.00 $0.00 $0.00 S!l2O.36 HOW TO CURE THS.OEPAULT"~ Y01I may curettris det8ultwithin TIlfRTY (10) days ftom. the date of 11I..1_ BY PAYING THE TOTAl. AMOUNT PAST DUB TO I.END.EI\, WHlClllS (WTAL AMI' DUE) PLUS ANY MORTGAGE PAYMENTS AND LATE CHAltOES (1Illd _ ,~) WHICH BECOME DUB DUllING THE THIRTY (30) DAY PERIOD. PaymenlS m"" be lnllde 0_ by <:asb. cashier's che!;:k, wrtiflCd dle<:k, or money micr made- payabkl to The Mone)' Stofeo at P. O. Box 960S3. Cna.-I",",. N.C. 2gz96.0051. IF VOU DO NOT CURE THE DEFAULT -If you dono' """ tb.ddllllt willi.. THlltTY (30) days or this letter date, the lender lnllmd1i 10 exercise ib ridll to BCcel.emtethemortMafl debt. 1'1rl9 mean$ that !he entire out$landmg lmIan.;;e of this debt will be amsJdered due immediately and you may lose me dlance to pay the m~ Ie monthly installment$. If full payment of tlle tunoUnt of default is- not JUde- within. THJRTY (30) DAYS OF THE LETTER DATE, 'fIw MQne)' Store aJso intends It> insuuet their auomey$ to stan: a legal action to- foreclose ~~ your mortJWled oroperty. IF THE MORTGA9E IS FORECLOSED UPON-. Tho mortgaged property will be sold Ily 1he Sheriff to payoff the morlgage debt. If the Jcn4er ttfm your case to its atkJmeyS,. but you cure the delinquency before ~y begin legal proteedmgs ag.ainst you. you will have to-pay the reasonable ~ fetS actually incurred up to $:SO,OO. f{Qwt\tcr, if legal proeccdin:gs are started against: you. you will bave to pay th~ :fClI!IOMb1e I!ttotm:y's fees adulllly incumd even if they are Ovet $$0.00. Any ~$ fees. wilt be added. to tbe: amount ~ O'W-t' !he lender. wblch may also indw1e their ~abJc wsts. !f YOU "UN ibll: defauh wlthinlMntlRTY (JO)DAYner.iod. yOU wiD DOt 00 ftQuiredfO paX attOn1eYs'fcu. OTHER LENDER Rh,",!~D1ES- The 10..1e.- may also SII. yoa """...Uy lOr !be ..paid p<in<ipll babnce. and all other &i1nS due under the Mortgage. IUGIfl' -ro CURE TIlE DEFAULT Plt.OR TO SHEIUFF'S SALI!. 1f)'Ool have not aned !be delllllk wililio tb. THIR.TY (30) day period .... for<<1osure proe..llings have bcgllll. you s1in bave 1he right to cure the default and prevent the sale at any i:ime up to one hcmr'before-the Sberiff&SaIe. YQumaydo 50 by paying. h total amount tben past due plus any late charges. charges then due. ~ attorneys" .fees and costs COflnei:ted with the forecJoswv Mk 11M any other costs CI)mle(2Cd willi. the Sberiff$ Sale 8$ ,,,,,,!lied in writiog by 1he leotIer .... by perfunnins "'Y other teqllirem_ ..."'" the ruongago. OJ... )'oor default in 1he manfier set fOl1b in this NI)tIee will restore your tn()ftgage to tbe!5illlnC position as if you had m::~ defaulted. Mo~~nS"'"itlng " " " '.,: ',__ll._'_ ~ ~!!-: 1'HI MoNIY SrcJn' F.ARL1EST POSSIBLE S:HE1UFPS SALE DATE- Il is estimated t!lat the earliest dlIte that such meriff!l sate colSJd be held is would be approximat:ely fwe (5) months from the dale oftbis Nof~. A notice oflhe ~tl.lal date afthe Sheriffs salt will be sent l.o you befOre: the sale. Of CiOUI1e. the amount needed to eure Ihe demult will increase: the longer you waiL You may find om at any time exactly what the lequirtd payment oraetiOll will be by contacting me lender. !lOW '\;0 OONTACTTHE LSNOER Name tlfLender AddrtSi: Telepbl)nt Number: The Money Store P.o. Box 96053, Clt_. NC 282'16_3 800 79S.SI2S EFfECT OF SHERtFF'S SAL&. You should realinI dill a Wriffs sale will end your ownenbip of me mongBJ:aI property and )10.... right to occupy it, If ~U- tont1.nue to live- in. the propeny after the ,beril'rs sak::~ ~ lawsuit to remove you and)'Wl' furniture an4 other be~ ooukI be: $l8t1cd by tbe lender- at lilY ume. !!~S\;'MPT10:N Of MORTGAGE-- You may not sell or transfer your bome to a buyer or ~ who wlfl 3S!Ume: tIlo mortgage chlbt. YOU MAY ALSO HAVElHE RiGHT . To. sell the property f:o. -obtain money to pay off the ~ debt. or borrower money from Mother lertd:ii1g mstitution to pay offlhisdebt. . To bavetbis cMauJt cl,1ttdby;my driJd party acting onyourbelJtJt . To have the mon,gage restored 10 the S8lUC po1ifi<m as if no default hatloccutred. (However, you are not entltkd to Uti" right more illan throo- times. ii'i tIi ealendar year). Tc. M:Jert the nonexisteJlCf of a default bt ally foMcn~ proceed'"mg or any other lawsuit instituted under the mortgage dootnnePts. .. 'fQ i\ssert any other defense you belie\'e you may have to $llch action by -the Iendet. -To _ pror~i(m undu the federal bankruptcy law. Sinccrd;-. Default Administmkm DepIIrtmlmt DF98S Mortgosu J.gg" hMdng -~ -:,.<1,-- ~ ,--. ~ ,. <f4 1"HJi MoIlEr S'r'oU' ,..."" """"'" """'.. .......'" rBRC .- nEflllllnl&a!lI'fFIES SllNTTO, l'tl'IN.POmfl'tNIJIUS .. DEBRA CONRADZOOK .JI - cooe: 72688039 BADY WOK '" 3;OfPM Fi,e: 6$1 HUNTINGTON AVE '" .. ENOLA. PA 17&>5 '" DEBRA CONRADZOOK IT' '" ... 6011\UNTlNGTON AVE a. ENOU\, PA 17025 PS FORI13800 Ii/I~. RlCElPTFOI Mat'd 9, ZOOO ":'If! RE: lmn Number oon_, ProvoCrlY Addres:i: 601 HUNTINGTON AVE~ ENOLAt PA 17.15 ACf 9) NOTICE TAKE ACTION TO SAVE YQUR HOME FROM FORECLOSURE This is Sll offic41 mm~e tbaf die mM on our lrome is in dcf.tu .and the lender inNnds to ~/4$e. S'JlCCwe ittftnmation lItrou:t the nature ofthq IS pnwidcd in lhe attadted oues. Th.e: Homeo\\'Dm' Emer&eDCY Mort@sge Ass,istanoe Program (HEMAP) may be able 10 help 10 save your h-ome. This notice explains hw the program. works. To see .if HEMAP can help you" you mmt ~ WIm: A q)NSlJMER ~.EDJ't COUNSELING ^G~Y WJTmN 30 DAYS OF THB DATE Of THIS NOTICE. Take this NQtice with YOU when you .'.':eetwitbtbccounseliD2:~CY. The name. addresJ. and phone nwnbw of Consumer Qtdil Counseling listed at the elKloftbisNotiee. If have II' ou call A!l;t:n'CY toD ijoee at t..-soo..S42.W (-persons with innlaired hem am caIJ La Notificaion .en adjunto es de- $lmla fmportaDcm. plIeS afe(:~ $U derecho a -contilwat viviendo en su assa. Si no compomde c) I>>ntenido de e$.a notificion obtenia- lID8 traduedon. ~ llamando em agenda (Pennsylvania HOUSirtg Finanoo Agone)') sin ~argos al numero mc:nciomtdo arribll- Puedes $" ertgible pa.m on prestamo pOT e1 programa llamado "Homeowners' EmelglillC)' MonJage: AssiManee Progran" at cuaJ pum $i11var su em. de Ja peRtida del dereclko a redimir su hipoRca. [ eountV are . Finance HOMEOWNER'S NAME(S): pROPERTY ADDRESS: LOAN ACCOUNT NUMBER: CURRENT LENDERlSERVlCER: BARRY ZOOJC DEBRA CONRAD ZOOK 601 HUNT1NG1'ON AVE, ENOLA. Pill7O:l5 lIO'11688039 The: MlJM)' Store Ma*'9eipl.oan $ilnlking , '~ TIm MoNEY srou- Ym!..Dui-XJ~sL~igihIe for ithlltlcial a.ssistlmce whieh (:00 !a\'e '\IOlit' home from fureclMllre and helD )1011 make future morlPllP.e Da\'ments if you comply with the provision of the Honte()WI1Or$' Emwgency Mo1fgage AssistanceAct of191>> (the "Ad'). Yon may be eligible tor ~mergeney mongtge ~i$tanee . ifyourd<fauhm.sbten"'ustdt>y.............boyOlldyourC\'JtlltOl. . YO!J have a reasonable prospect ofbeing; able to pay your mortgagt paymtnl$, and . j r you meet other eligibility reqnirmleDt! eslablishlNl by the Pel'lll$ylv.rna HouJing FinlUlte A~""", TEMPOJU.RY STAY OF FORFn.osURE~ Under the Act. you are entitled to.. temporary stay of'the fQreclo5u:re ot1 yom' mort~ forthil'ty (.lO}days 1iom the date ofUliJ Notice. During thAt'time)'ou mU$t armng. and _. .,........f;(.. meellogwltb "",.rJbe de~pted _-ins_d" Iist<d at ~ end of this Notice. This meetin!! mm:t oteur within the next thirtv 1'30) daY&.. IF YOU DO NOT APPLY fQI\ EMEROENCY MORTGAGE ASSISTANC~. X.QY Ml.!E Il!!!!!Q Y.m1R MORTGAGE UP .0 OA'TE. THE PART OF THlS NOTICE CAlLED "ROW TO CURE YOUR MORTGAGE DEfAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE1)P TO DATE. CONSUMER CREDIT COUNS'ELlNG A(lRNCfES.. If you atttnd a faee..to.faee meeting with ~me .of 111. """,,,,",,.r<<1h .lllllIseling....lbr<<1111Jbe el1lIof1bis Notice, the _ may NOT tate_ action agamstyOll furth.irty (30) day;l after~datlc (Jfthi$ ~ng. 'Ilul_... addnllL_ and ~ numbers of desianated con&Umet cowseline: ~ for the eountv ill wltidl. vour nropmtv is InmtNI are ~i!lt forth at the end of Ibis Narice It is only nttessary to schedule one li1c:e-to-face meeting. Yoo.should advise this lender immediateJv of your inwndOJl$, i\PP'UCATION FOR MORTGAGE. ASS1STANCF.- Your mortgage is in de:fanlt fur the- ~ons set fortb later in this Notice (see fotlowill3 pagt$ forspeeific information.about the-lJIIture otyour aet'ault). If you have tri<<i and are UM~l(l to mafve this problem with tile lender. )W have the ri,ght to apply for fifUlntiall$$i$t&l'Ice fJlOln tbc Homeownet'$' Emergeooy Mortgage Assis1ence fund. In ordtr to do thii, you must fill out, slgo and file a cotnplettd Homeowl1U5' .Emergency As$i$lanCoe AppliUltiou witb one of the des_cd co~ -er<<rll ~QF,lll$ll:lms agelJl:'i4$Iiil-@d.t1heendQfdUlNol.ilxt.OnIy-tcmsumerc;redil cO'UllSeling agentk$ have- appUcations for the program and they will auist)lOu in S\lbmit1irtg.a c;Omplt:ted application to the Penns.ylvania Hoosil1g Fillanee Age",)', Yoor applteatioB MUST bll; fikd 0"- postmarked within thirty (W:) days of your face.tll-Cace meeting. YOU MUST me YOUR APPUCAtlCN PROMPTLY, IF YOU FAIL TO DO SQ OR IF YOU DO NOT FOLLOW TIlE OTIlEll TIME PEIllOOS SbT FORTII IN TIllS LEITER, FORECLOSURE MAY PROCEED AGAINST YOUR !lOME IMMEDIATELY AND yom APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY _ ACnON. Available funds for cmerge.nG)' DlOrtgage assislanee are very JinWed. They will be disbursed by the Agency under the ellgiblUry criteria established hy the. Act. Thllll PWlJl$-71vania Housing rmam::e Agem:y has sixty (60) days 10 ImIk<l' a deeision llfttr it nx:eives you appJicatilM. During that additional time, 1IO foreclosure proceedings will be: plJf!ucd against yotl if yon have- met too time requirements set furth above. You win be notified directly b)' the Agency of iI5 deenkwl on your app1ieation. NOm: IF YOU ARE CURRENTLY PROTECTED BY TIlt FlUNG 01' A PETITION IN BANKRUPTCY. TIlE FOLLOWING PART OF THIS NOTICE IS FOR INCORMATION PURPOses ONLY ANa SHOULD NOT BE CONSIBRED AS AN ATTEMPT TO COLl.ECT TIlE DEBT. Of""" have filed blimkrup~ you can still apply f-or Emer.g,eney Mortgage A8:sisianee-.) Mortgttptoan SerYidalif ". . -._-, . . -, -~ n. MONIY 5:;_11' HOW roCURE YOUR MORTGAGE DEFAULT (BriI>. it '" """"'J. NATURE O!' THE DIll'AUL T - The MORTGAGE dcl>lhold by Ihe above tender OIl your property located attl<ll HUNTINGTON AVE, ENOLA. PA 1702SISSERIOUSLYIN DEFAULT_use: A- YOU HAVE NOT MADE MONTIlL Y MORTGAGE PA YMEN1'S ro.lbe following mont:h$ and the foIlowintant<lUrrtsare now past due: Nwnber of1'ayments Delinquenl; 3 Delinquent Amount Due: Late Charges: Re:Q)verab!eCotpl;rrnte- A4vam:e$ Olhofo,lIfIll'$attdMvan_ Uss. funds in Suspen.w: TmlDue: $7SG.36 $0.00 S 170.00 $G.OO $G.OO S!l2l1.36 'HOW TO CURE: THE DEFAULT -- You may cure this default within THIRTY (30) days from !he date of lID. 1_ BY PAYING THE TOTAL AMOUNT PAST DUE TO LENPJ;R, WIlICIlIS (TOTAL AM'/' OtJ.E) PLUS ANY MORTGAGE PAYMENTS AND LA1E CHARGES (and other dtarge:,) WHlCH BECOME DUE DIIRlNG THE THIRty (30) DAY PERIOD, ..,.....",...." be l1llldo .IIh... by <:ash, .caWer's c~-k, certif't4d GReek. or monll!cy order made payable to Tbl: Money Store at .P. 0, Box 96053. Chad."", N.c. 2829;;'00;3. if YOU DO NOT CUIUl THB DEfAULT -If you do not ,,,,,,lb. delltult withIn nIlRTY (3G) lhoys of thisIU)b!!rdat'e. the Jeoder intends to ~ise in rildU 10 accelerate tb~.:m.~ Tbi.$ 1'l'lC!al1# that the emir~ uurJU!nding balimce of this debt wi.ll be considered due immediately and you may lose die cb~ to pay the- ~e in monddy in.$lil:.ll.ments. If fun payment of the amolU\l: of default is not made within THIRTY QO} DAYS OF THE LEl'TER DATE. The Ml)fte)' S'IOre also intends to i~~ dreIr enorneys to .start a fegal adlon. to fl)r~lolie !loon your m~ property. If 1116 MORTGAGE IS FDEECLOSED UPON., Th. mortg>&<d propcny willl>e sold .y lbe Sheriff to payoff the mortgage debt. If the tender refer.; your case to its a:unmeys, but: you cure the delinquem:y before lhey begin legal pr..,...ungs ,go;'", you, you will bavc to pilY lb. _1""_1' fees _ally iIl<<IJm1 up to $50,00. Howcver, if legal pro<:eedingl are started against you. yoa wiU have 10 pay tile reasonable atrorney's foo$ aetually tncwted even !fthey are over jj(J,OO. Arty attorney's fees will be added w d1{:~ nlnOunt you owe the 1ern1er. whidl m~ . include dlcir reasotUlblo ~ !f you. ~I$ the detauk within the THIRTY GO)DA Y !)er.iod. you willaot be required to oav anomevs' fees. OlllER LENOER: ({EMBOlES- The knder may also s.ve you petoonaIy fur ihe unpaid prin~jpal balance. and all other sumstlue ondu the- Mortgage. 1tI0HT TG CUIlE mE DEPAULT PRIOR TO SHERIFF'S SALE- If you have not eunoI the lIef.uk within ,be rnlRTY (30) day l"'lod ...d foJU<!oson> plOCellllltlg$ ..... beJ!Ull, you "ill lIaYe tile right to cure the clef-mil and pnweni the sate at any time up ro OPe hour hefote !tel SberifTs Sale:.. Y Oil may do so by paying the total amount then past due pi\!$ $fiY Iatc: dl.argcs, charges then due. RO!l$(In" ~ fees and costs connected with th, fQl'tCtosure sale ~d any otner costs toIlottted wkh the S'herifIS Sale as specified in writing by 1be lender and by pafonnina any other -requireme'nts nnder 1he mortgage. Curing your default in lhe manniU' set ti)r!h in this Noticl:will res:lme your ID011gag.e to-1M nme-posltkm as if you Md -fleverdtfaulted. ~iIoooSel'Vking -~' .- '''fi#i ;;'"", ., ~~". I'HE MONEY ....." EARLIEST POSSlBI.E SlIERIPI'S SALE OATIl-It Is "'imlll<d lbatlh, ....1...1 ..lOlbat """' oheril& .. '..I4....1d Is ,,",14 b, epproximat'ly live (S) 1Ill>Illlts!rom lbe ilalO of1lris Noti<e. A 1lOli", oft.. actual (fa<<! oftbc Sberif& Sale will be unt to you before 1he sale. Of COUJ'SIe,. the amount needed to cure the default wm increase the longer you wait. Yw milly fmd out 4t any rime ~y what the' reqWred paymcmt or action Wt1l be by contacting tile lender < HOW TO CONTACT THE LENDER Name of Lender Addr,." Telephone Number: The Money S~ P. 0.80><96053, CllIlf_, NC2llZ96-00'3 800 79'-$ 12$ EFPECT OF SlIERlFI"S SALE- You ,,,,",14 _ Ibat. ohori/l$ $1\1. ..ill """)'0<0' _ip of lbe mortgagtd property an(} yom right \0 occupy it. If you eorrtinue to live in the property .fter tlte SberiIf'll sale. a lawsuit to J'eI'DOYt you and your fllOritltt" and (ltber beton:gin:g$ fXlUld be Qrted by the lender at any time. ASSUMPTION OF MOtrrOAGBo- You milY not $~I-or tramfer YOW'" lJome to a buyer oI,IT tran$feree who will aasume:'th.c JJ'tOItgage dtbt. YOU MAY ALSO IIA VE THE RIGHT . To sell1b1i! p.ropt'I1y to obtmn ffiQIW'Y to P'Y Qff the m(J~ debt,. or borrower OlQI'tC"y umn anotbtr lending institutio.n to pay offtbiulebt . Tn tmve \hi$- default cured b)r any lblrd party Kling on 100J' behalf. . To have ~ mortglge ~ ro the woe)Xl$ilion Il$ ifoo dd'aukhad oceurred. (However, you are not entitled to mil right more than dJrn~ times in a ea:Jemk year). . To DS$I!1:l1 the nonexistence of -a dmtllt in any fOll:!closw:e proetedfug or any other lawsuit il\SUtuted under the morlgage documents. . 'to.a$Wt any other defense you believe you l\tQY h!l.lf.e to iUCR iiWtion by the Itlmkr. .To &f:ck j:irott!Ctiol:\ under1ht\ fedtml bankruptcy law. SinW'ely, Default Administration DepmtJnent DF985 Mort;clgelooin-$e.rvidtlg "" . @fft) ~\ ~ ~ ~ i I i - .-,,~,- !.......--~ ~ ~'Il""'ll'I un""",,,,~"~- -~ , ;IF f:' " c .:, (;!J.Y \ J ~) '_i, " [~!ft.""'" '''~- "~~ -,,"... !:~iilfl' ,-fV ~ ~ CiE5 ifU ..' , ~! ,~ro""~~ _,_Llii"!U!i!<~".,_ '_M ,~~,~bdl!!1:1~ _ _f;'j~ml~JWm!'~ --I I '" "-, . -~ 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 215-627-1322 Attorney for Plaintiff THE BANK OF NEW YORK AS TRUSTEE IN THE COURT OF COMMON PLEAS UNDER THE POOLING & SERVICING AGREEMENT DATED AS OF NOVEMBER OF CUMBERLAND COUNTY 30, 1995 SERIES 1995-C c/o Rosicki Rosicki & Associates CIVIL ACTION - LAW P.C. One Old Country Road Suite 375 :ACTION OF MORTGAGE FORECLOSURE Carle Place, NY 11514 Plaintiff Term No. 00-3075 CIVIL TERM vs. BARRY E. ZOOK AND DEBRA A. CONRAD ZOOK (Mortgagor(s) and Record Owner(s)) 601 Huntington Avenue Enola, PA 17025 Defendant(s) PRAECIPE TO REINSTATE COMPLAINT Kindly reinstate the Complaint in the above captioned matter. BY: , Jr. MS-0246 "....~ - .~ ..o-J , . -~ - , . *' " , , .IN Tj![E COURT OF COMMON PLEAS OF CUMBERLAND COUNTY THE BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING & SERVICING AGREEMENT DATED AS OF NOVEMBER 30, 1995 SERIES 1995-C c/o Rosicki Rosicki & Associates P.C. One Old Country Road Suite 375 Carle Place, NY 11514 Plaintiff vs. BARRY E. ZOOK AND DEBRA A. CONRAD ZOOK (Mortgagor(s) and Record Owner(s)) 601 Huntington Avenue Enola, PA 17025 Defendant(s) Term No. 00-3075 CIVIL TERM PRAECIPE FOR JUDGMENT 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. Enter Judgment in favor of Plaintiff and against BARRY E. ZOOK and DEBRA A. CONRAD ZOOK by default for want of an Answer. (X) Assess damages as follows: Debt $ 30.393.74 Interest 12/ 5/99 to 9/ 7/00 Total $ (Assessment of Damages attached) I CERTIFY THAT THE FOREGOING ASSESSMENT OF DAMAGES IS FOR SPECIFIED AMOUNTS ALLEGED TO BE DUE IN THE COMPLAINT AND IS CALCULABLE AS A SUM CERTAIN P'ROM THE COMPLAINT. I certify that written notice of the intention to file this praecipe wa.s mailed or delivered to the party against whom judgment is to be entered and to his attorney of record, if any, fter the default occurred and at least ten days prior to the date of the f ling of t s pra cipe A c p f the notice is attached. R.C.P. 237.1 /' AND NOW II f , oZtrrl , Judgment is entered in fay r f THE BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING &0 SERVICING AGREEMENT DATED AS OF NOVEMBER 30, 1995 SERiES 1995-C, and against BARRY E. ZOOK and DEBRA A. CONRAD ZOOK by fault for want of eLD Answer and damages assessed in the sum of THIRTY OUSAND THREE HUNDRED NINETY THREE DOLLARS AND 74 CENTS ($30,393.74), s per the above ,J_. certification. e'l'-'" . ~"., ~ - ~ ~ ~N!j", r , GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr. Attorney I.D.#16132 Suite 500 - The Bourse Bldg. III S. Independence Mall East Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff THE BANK OF NEW YORK AS TRUSTEE IN THE COURT OF COMMON PLEAS UNDER THE POOLING & SERVICING AGREEMENT DATED AS OF NOVEMBER OF CUMBERLAND COUNTY 30, 1995 SERIES 1995-C c/o Rosicki Rosicki & Associates CIVIL ACTION - LAW P.C. One Old Country Road Suite 375 :ACTION OF MORTGAGE FORECLOSURE Carle Place, NY 11514 Plaintiff Term No. 00-3075 CIVIL TERM vs. BARRY E. ZOOK AND DEBRA A. CONRAD ZOOK (Mortgagor(s) and Record Owner (s) ) 601 Huntington Avenue Enola, PA 17025 Defendant(s) ORDER FOR JUDGMENT Please enter Judgment in favor of THE BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING & SERVICING AGREEMENT DATED AS OF NOVEMBER 30, 1995 SERIES 1995-C, and against BARRY E. ZOOK and DEBRA A. CONRAD ZOOK for failure to file an Answer in the above action within (20) days (or sixty (60) days if defendant is the United States of America) from the date of service of the Complaint, in the sum of THIRTY THO SAND THREE HUNDRED NINETY THREE DOLLARS AND 74 CENTS ($30,393 74). I hereby certify that the above names are correct and that the precise residence address of the judgment creditor is c/o Rosicki Rosicki & Associates P.C., One Old Country Road Suite 375, Carle Place, NY 11514 and that the name(s) and last known address (es) of the Defendant (s) is/a" BARRY E. ZOOK, 601 Huntington Avenue, Enola, PA 17025; . BRA A. CO ZOOK, 601 Huntington Avenue, Enola, PA 17025; r . , "'~ ' ....- -. ~ ~ "';ilii-:'-~ ,. ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly assess the damages in this case to be as follows: principal balance $ 26,452.98 Interest from 12/ 5/99 through 9/ 7/00 2,058.11 Attorney's Fee at 5% of principal balance 1,322.65 Late Charges Costs of Suit and Title Search 560.00 $ 30,393.74 Escrow Balance $ 30,393.74 . !I I fJ AND NOW, thJ.s f . "'u day of damages are assessed as above. , '""-"~..:--. VERIFICATION OF NON-MILITARY SERVICE The undersigned, as the representative for the Plaintiff corporation within named do hereby verify that I am authorized to make this verification on behalf of the Plaintiff corporation and that the facts set forth in the foregoing verification of Non- Military Service are true and correct to the best of my knowledge, information and belief. I understand that false statements therein are made subject to penalties of 18 Pa. C.S. 4904 relating to unsworn falsification to authorities. 1. That the above named Defendant, BARRY E. ZOOK, is about unknown years of age, that Defendant's last known residence is 601 Huntington Avenue, Enola, PA 17025 and is engaged in the unknown business located at unknown address. 2. That Defendant is 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 Action of Congress of 1940 and its Amendments. Date: 72688039 - ZOOK,BARRY E. , ,- ,-- -. "~ > ~ VERIFICATION OF NON-MILITARY SERVICE The undersigned, as the representative for the Plaintiff corporation within named do hereby verify that I am authorized to make this verification on behalf of the Plaintiff corporation and that the facts set forth in the foregoing verification of Non- Military Service are true and correct to the best of my knowledge, information and belief. I understand that false statements therein are made subject to penalties of 18 Pa. C.S. 4904 relating to unsworn falsification to authorities. 1. That the above named Defendant, DEBRA A. CONRAD ZOOK, is about unknown years of age, that Defendant's last known residence is 601 Huntington Avenue, Enola, PA 17025 and is engaged in the unknown business located at unknown address. 2. That Defendant is 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 Action of Congress of 1940 and its Amendments. Date: 72688039 - ZOOK,DEBRA A. CONRAD h .'.,," , .. ~ "~ ...;.'" TO: DEBRA A. CONRAD ZOOK 314 Linda Street Deer Park, TX 77536 THE BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING & SERVICING AGREEMENT DATED : AS OF NOVEMBER 30, 1995 SERIES 1995-C c/o Rosicki Rosicki & Associates P.C. One Old Country Road Suite 375 Carle Place, NY 11514 Plaintiff vs. BARRY E. ZOOK AND DEBRA A. CONRAD ZOOK (Mortgagor (s) ) (Record Owner(s)) 601 Huntington Avenue Eno1a, PA 17025 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE Term No. 00-3075 CIVIL TERM Defendant(s) 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. TO: DEBRA A. CONRAD ZOOK 314 Linda Street Deer Park, TX 77536 DATE OF THIS NOTICE: August 7, 2000 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP: Cumberland County Bar Association 2 Liberty Avenue, Carlisle, PA (800) 990-9108 /s/ JOdeph -A. (jotdtech. Jr. GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr., Esq. Attorney for Plaintiff Suite 500 - The Bourse Bldg. III S. Independence Mall East Philadelphia, PA 19106 215-627-1322 tii ". - ,'.", .' -~- "~" TO: BARRY E. ZOOK 314 Linda Street Deer Park, TX 77536 THE BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING & SERVICING AGREEMENT DATED : AS OF NOVEMBER 30, 1995 SERIES 1995-C c/o Rosicki Rosicki & Associates P.C. One Old Country Road Suite 375 Carle Place, NY 11514 Plaintiff vs. BARRY E. ZOOK AND DEBRA A. CONRAD ZOOK (Mortgagor (s) ) (Record Owner(s)) 601 Huntington Avenue Eno1a, PA 17025 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE Term No. 00-3075 CIVIL TERM Defendant(s) 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. TO: BARRY E. ZOOK 314 Linda Street Deer Park, TX 77536 DATE OF THIS NOTICE: August 7, 2000 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP: Cumberland County Bar Association 2 Liberty Avenue, Carlisle, PA (800) 990-9108 /s/ JOdeph --4. (Jotdbect. Jr. GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr., Esq. Attorney for Plaintiff Suite 500 - The Bourse Bldg. III S. Independence Mall East Philadelphia, PA 19106 215-627-1322 . . TO: B~~RY E. ZOOK 601 Huntington Avenue Eno1a, PA 17025 THE BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING & SERVICING AGREEMENT DATED AS OF NOVEMBER 30, 1995 SERIES 1995-C c/o Rosicki Rosicki & Associates P.C. One Old Country Road_Suite 375 Carle Place, NY 11514 Plaintiff vs. BARRY E. ZOOK AND DEBRA A. CONRAD ZOOK (Mortgagor (s)) (Record Owner(s)) 601 Huntington Avenue Enola, PA 17025 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE Term No. 00-3075 CIVIL TERM Defendant(s) THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTXNG TO COLLECT A DEBT OWED TO OUR CLXENT. ANY INFORMATXON OBTAXNED FROM YOU WXLL BE USED FOR THE PURPOSE OF COLLECTXNG THE DEBT. TO: BARRY E. ZOOK 601 Huntington Avenue Enola, PA 17025 DATE OF THIS NOTICE: August 7, 2000 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP: Cumberland County Bar Association 2 Liberty Avenue, Carlisle, PA (800) 990-9108 /s/ JOdeph --4. (lotdbeck. Jr. GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr., Esq. Attorney for Plaintiff Suite 500 - The Bourse Bldg. III S. Independence Mall East Philadelphia, PA 19106 215-627-1322 ~ -- .;'- " ~"- - j TO: DEBRA A. CONRAD ZOOK 601 Huntington Avenue Eno1a, PA 17025 THE BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING & SERVICING AGREEMENT DATED : AS OF NOVEMBER 30, 1995 SERIES 1995-C c/o Rosicki Rosicki & Associates P.C. One Old Country Road Suite 375 Carle Place, NY 11514 Plaintiff vs. BARRY E. ZOOK AND DEBRA A. CONRAD ZOOK (Mortgagor (s)) (Record Owner(s)) 601 Huntington Avenue Eno1a, PA 17025 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE Term No. 00-3075 CIVIL TERM Defendant (s) 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. TO: DEBRA A. CONRAD ZOOK 601 Huntington Avenue Enola, PA 17025 DATE OF THIS NOTICE: August 7, 2000 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COID,T YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP: Cumberland County Bar Association 2 Liberty Avenue, Carlisle, PA (800) 990-9108 /s/ JO:Jeph.A. (Jotdteck. Jr. GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr., Esq. Attorney for Plaintiff Suite 500 - The Bourse Bldg. 111 S. Independence Mall East Philadelphia, PA 19106 215-627-1322 , . ..--' """~",-"'"""""'iIi,,,, iliti'iJiJlMul..&liT ~-<li""",,~ .,~',,*i_~_<_'>__"_" - ''';' '~..if_'''''';'I'''''->=''~~-~' _"""" .~ ~ ~~ ~ to ' '. ~ ~~~Q ........... .~ 10 ~ ! ....... ~ ~ ~ ~ .~ r ::r: r 1cf ~ .::J( ~ h;0 lJI" .,....... ~ G- ~ " "' 1 ~ i ~ , 8' \ , "".""--~~ ' f; .. . 't- ro ____--'----_c.'-.-.-_~______"~,'__~~_.,__w!l,;._....L--,,----j , " I """-.,~""'--:"'~'-'-'---...,.~.,-__'_'___;_,--'----'--'---'-'-l------:---:~-~ -'-'"'-:----'""'--~,._--~------'---'---------'"._.~ "'. I /: .t'-e 1..--. , DocuTRANS PROCESS SERVING. COURT FI 1..1 NG 2207 ctit,;;;;Street' Philadelp,hia, "PA 19103 215-75t-~630 FAX:.215-751-9631 ,A,'P:f1Ij:t~t~~~~~ilY:IC~ I CO~RT TERM & NO. . 66- 075 DATERE EI ED <I .... "' .. Philadelphia Association of Professional Process Servers PLAINTIFF(S) THE . BANK OF NEW YORK AS TRUSTEE UNDEB. DEFENDANT(S) DEBRA 1\;. CONRAD ZOOK 314 Linda Street Deer Park, TX. 77 536 COUNTY CUMllEB.l.AND SERVE BY ,-,.,' SERVE AT o Subpoena o Notic~ of Real Estate Sale o Other COMPANY CONTROL NUMBER ~..- - } .J -/(;1[: SPECIAL INSTRUCTIONS a PLEASE SEB.VE. THE A>>OVE NAMED DEFENDANT OR PERSON .INe CHARGE Tl. ~- Served and made Known to DaDraii;' Coniilu!ooK . ,~.~- - -..-~~,,---'-T__ ~~,---=,-- -"on<tt1e 17th oay01. July , ~200!lat 7120 o'clock, p 11.1., at 314 .Linda Street. D"lilr Park. Texas 77536 , Com;;'onwealth of Pennsylvania, in thei~ann~r' described below: xg Defendant(s) persOnally served. : ' o Mull family member with whom'saio Ciefenoant(sj resloe(s). Relationship i.s D Adult in charge of Defendant',s r~si,d,enbe who refu$ed to give name or relationship. o Manager/Clerk of place of looging' in Which Defenoant(s) res;oe(s). D, Agent :cir,'persc>n in' charge of-DeJ8n~a~t's office Qr usual _place of busin'ess. .~.....,. .' o Other , County of Harris ( !'in officer of said ,Defent:lant company. ii ;'1 .',! I"~ DESCRIPTION AGE .40's HEIGHT .5'6" WEIGHT 12Slbs. RACE White .....SEX Fel1lllle dyed blei~ hair miasillllteeth i On the oay of Defendant not founobecause: 0 Moved ,19_,.t o Unknown. 0 No Answer o'clock, o Vacant 0 Dlher 11.1., ." ,-.',:~. ;$e, ~: c~~ S~El)'arak'c ,~,,-\-C~;ng~~,y :1V~;;~::~::g;~,a~, deposes and says that he/she is proce!;is server herein names; allcj tt:lat the facts ,herein set forth above, are true and' correct t,o th " est of their knowledge, information and beHef. -.".-,~"~ --<<-, t.-,ko-- - - ~M~ , , : Prpcess Server I'Competent Adult ~:' DEPUTIZED SERVICE Now, this, oayof 19 _, I do hereby deputize the Sheriff of County to s~.rv.e this- o Sum~on~ o Complai~t:. 0 ~ther and make retum thereof and" according to Law. j,; By (Comp_etent ,Adut~l, '.." County Sheriff's Check $ .)~;~;::fsNa:;~~~~:?JJ=w~,. . TelePhone#J~5-lPf11:1 W . 10entiflcatlonU 111990 Philadelphia Assoc, 01 ProfeSSional Process Servers Rev 1 ;'''-'::, For .J1'IIt flrlrf ATTEST . PRO PROTHY /,," , ""'""c"" DATE \. 1,,, " , '-.tiIJ ,o. ".",..'" . . , "'-.... ,., " "~ ~~~, ." -'''-. .. , PRAECIPE FOR WRIT OF EXECUTION - (MORTGAGE FORECLOSURE) P.R.C.P 3180-3183 Joseph A. Goldbeck, Jr. Attorney I.D.#16132 Suite 500 - The Bourse Bldg. 111 S. Independence Mall East Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff THE BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING & SERVICING AGREEMENT DATED AS OF NOVEMBER 30, 1995 SERIES 1995-C c/o Rosicki Rosicki & Associates P.C. One Old Country Road Suite 375 Carle Place, NY 11514 Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION - LAW ACTION OF MORTGAGE FORECLOSURE vs. Term No. 00-3075 CIVIL TERM BARRY E. ZOOK AND DEBRA A. CONRAD ZOOK (Mortgagor(s) and ReCord Owner(s)) 601 Huntington Avenue Eno1a, PA 17025 Defendant(s) PRAECIPE FOR WRIT OF EXECUTION COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND TO THE SHERIFF OF CUMBERLAND COUNTY, PENNSYLVANIA To satisfy the judgment, interest and costs in the above matter you are directed to levy upon and sell the following described property: PREMISES: 601 Huntington Avenue, Eno1a, PA 17025 See Exhibit "A" attached AMOUNT DUE $ 30.393.74 j Interest from 12/ 5/99 $ through 9/ 7/00 (Costs to be added) $ Prothonotary, Common Pleas Court of Cumberland County, Pennsylvania Deputy Dated: (SEAL) M_m.....;.,'~'~-'-~'iI1lli!ili8ill.j~ibIliielti~!ei~!!!~lali;kjj~~~iltl!.~~~d_ -i-',' ...........,~~ '"~~II!iiiiliI-=' "~'j~="""",,,","M" -y_ ~~IiiiiII_ ~ - ., cnnc..,on nH:<J t>:l"':<Jntl:J W:J:'~1cl >-'cn PJ "q:: H10 OZt>:l 'd ::SO(llO?;; oQ ~ H >-',:: rt. p,H1cn (J)1cl:J:' ~ 0>-'021 - :<J t:l t>:l Z LQ t-'-Icl Iclt>:ll:""' t--' 0 ~:<J t>:lt>:l >-'t-'. :J:'c.., o (J) (J):<J I>iI PJ ~>; ><: >-'t>:l:<Jtl:J 'U(J)rt "l(llt:l(J)(J)'U'Ug'l1i] ~n - ,:: p, \0:3: ~ Icl 21 ::y. 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ALL THAT CERTAIN tract or parcel of land with the buildings and improvements thereon erected situate in East Pennsboro Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to-wit: BEGINNING at a point at the Northwesterly corner of Huntington Street and Chester Avenue; thence along the Northerly line of Huntington Street South 87 degrees 30 minutes West, 100 feet to a point; thence North 87 degrees 30 minutes West, 142 feet to a point at the Southerly line of a 15 feet public alley; thence along same North 87 degrees 30 minutes East, 100 feet to a point on the Westerly line of Chester Avenue aforesaid; thence along same South 2 degrees 30 minutes East, 142 feet to a point the place of Beginning. Being premises known as No. 601 Huntington Avenue, formerly known as 25 Huntington Street. PARCEL # 09-14-0837-222 IMPROVEMENTS consist of a residential dwelling. BEING PREMISES: 601 Huntington Avenue, Enola, PA 17025. SOLD as the property of Debra A. Conrad Zook and Barry E. Zook. TAX PARCEL # 09-14-0834-222. Suf6.f'ECI To f'l~st Hor+~o-.<1~ .1Iiil~'^ """ ,'- ,....". ,"",w . 1,.,_ ,?,"," "- ?',~ - ~ , -- ''',"'~'" " , ~"""""'-'''M'''''''''''' '-~ ~ -'~.....,,-..,~ , . ':'H' '-"-,"; ~~ ~ ,:.,.~ =~~'~ ;.",,,,.;..-, , - fD , ~ l.N C> ~ 'j'J () UJ ~ ~~ )<...) ~--.. ........ ~ -:-;-J . ''ij ~ ~ ~ ~ 2, r . . ~"~-'- - " . ~ ~ w~rf }::: ............ r ~ F;S' ~:b ~ "J ~i~ ~ ~ ~. ~. "" " " ~-~ ..." __ ~ c,;___ -'- ___,",,',_'" ,-~" --I. ,', '~~'.i,' "." J-v ~ GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr. Attorney I.D.#16132 Suite 500 - The Bourse Bldg. III S. Independence Mall East Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff THE BANK OF NEW YORK AS TRUSTEE IN THE COURT OF COMMON PLEAS UNDER THE POOLING & SERVICING AGREEMENT DATED AS OF NOVEMBER OF CUMBERLAND COUNTY 30, 1995 SERIES 1995-C c/o Rosicki Rosicki & Associates CIVIL ACTION - LAW P.C. One Old Country Road Suite 375 :ACTION OF MORTGAGE FORECLOSURE Carle Place, NY 11514 Term Plaintiff No. 00-3075 CIVIL TERM vs. BARRY E. ZOOK AND DEBRA A. CONRAD ZOOK (Mortgagor(s) and Record Owner (s) ) 601 Huntington Avenue Enola, PA 17025 Defendant(s) AFFIDAVIT PURSUANT TO RULE 3129 THE BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING & SERVICING AGREEMENT DATED AS OF NOVEMBER 30, 1995 SERIES 1995-C, 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: 601 Huntington Avenue, Enola, PA 17025 1. Name and address of Owner(s) or Reputed Owner(s) : BARRY E. ZOOK 601 Huntington Avenue Enola, PA 17025 DEBRA A. CONRAD ZOOK 601 Huntington Avenue Enola, PA 17025 - --, , ~. -. a 2. Name and address of Defendant(s) in the judgment: BARRY E. ZOOK 601 Huntington Avenue Enola, PA 17025 DEBRA A. CONRAD ZOOK 601 Huntington Avenue Enola, PA 17025 3. Name and last known address of every judgment creditor whose judgment is a record lien on the property to be sold: 4. Name and address of the last recorded holder of every mortgage of record: 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: EAST PENNSBORO TOWNSHIP 98 South Enola Drive Enola, PA 17025 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. (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 <~ ,J-,,~ " " ,~' . subject to the penalties of 18 Pa. C.S. Section 4904 unsworn falsification to authoriti cAFFERTY & Mc seph A. Goldbeck, Jr., torney for Plaintiff DATED: September 7, 2000 lIiillli@i_llf"~ -'- _DO _t-'I!ii;f 'ffll;rL- J '~, ~....;.;., ~';'","'.L_ J1]_ - ~=. "' .<c.<~ ."- ". i<:liI ~~--"'i\ilJdl*l1r'-N' ,~-. ,,, "' - ,'.-' co...... "~~ <__ . ~f~ t 1-- ~ ",. ;:; "' ~, iJ "'- ~~ ~ r ~ L ~ ,~ -, -,~. ~ii"c- .. , 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 215-627-1322 Attorney for Plaintiff THE BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING & SERVICING IN THE COURT OF COMMON PLEAS AGREEMENT DATED AS OF NOVEMBER 30, 1995 SERIES 1995-C OF CUMBERLAND COUNTY c/o Rosicki Rosicki & Associates P.C. CIVIL ACTION - LAW One Old Country Road Suite 375 Carle Place, NY 11514 :ACTION OF MORTGAGE FORECLOSURE Plaintiff Term vs. No. 00-3075 CIVIL TERM BARRY E. ZOOK AND DEBRA A. CONRAD ZOOK (Mortgagor(s) and Record Owner(s)) 601 Huntington Avenue Enola, PA 17025 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: BARRY E. ZOOK 601 Huntington Avenue Enola, PA 17025 Your house at 601 Huntington Avenue, Enola, PA 17025 is scheduled to be sold at Sheriff's Sale on December 6, 2000, at 10:00 a.m., in Cumberland County, Commissioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA 17013 to enforce the court judgment of $30,393.74 obtained by THE BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING & SERVICING AGREEMENT DATED AS OF NOVEMBER 30, 1995 SERIES 1995-C 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 BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING & SERVICING AGREEMENT DATED AS . . H -~ ",", ,-'.- '-'- ~~.~ OF NOVEMBER 30, 1995 SERIES 1995-C, 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. 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 Sheriff's 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 of Cumberland County at (717) 240-6390. 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 of Cumberland County at (717) 240~6390. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have 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 Sheriff's 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 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 HAVg A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. ,-", - ,. 'I :1 il 'I II 'I II , ~ I I :1 'I I il [I il 'I II il ill II II il 1 1 I I I I I I I i - 1-".- .10'; ^ . CUmberland County Bar Association 2 Liberty Avenue, Carlisle, PA (BOO) 990-9108 Legal Services Inc. a Irvine Row, Carlisle, PA 17013 (717) 243-9400 "", ~ ." c c I , 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 215-627-1322 Attorney for Plaintiff THE BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING & SERVICING IN THE COURT OF COMMON PLEAS AGREEMENT DATED AS OF NOVEMBER 30, 1995 SERIES 1995-C OF CUMBERLAND COUNTY c/o Rosicki Rosicki & Associates P.C. CIVIL ACTION - LAW One Old Country Road Suite 375 Carle Place, NY 11514 :ACTION OF MORTGAGE FORECLOSURE Plaintiff Term vs. No. 00-3075 CIVIL TERM BARRY E. ZOOK AND DEBRA A. CONRAD ZOOK (Mortgagor(s) and Record Owner(s)) 601 Huntington Avenue Enola, PA 17025 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: DEBRA A. CONRAD ZOOK 601 Huntington Avenue Enola, PA 17025 Your house at 601 Huntington Avenue, Enola, PA 17025 is scheduled to be sold at Sheriff's Sale on December 6, 2000, at 10:00 a.m., in Cumberland County, Commissioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA 17013 to enforce the court judgment of $30,393.74 obtained by THE BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING & SERVICING AGREEMENT DATED AS OF NOVEMBER 30, 1995 SERIES 1995-C 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 BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING & SERVICING AGREEMENT DATED AS ~ -- -,~, ~j i OF NOVEMBER 30, 1995 SERIES 1995-C, 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. 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 Sheriff's 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 of Cumberland County at (717) 240-6390. 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 of Cumberland County at (717) 240-6390. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have 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 Sheriff's 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 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 HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU .CAN GET LEGAL HELP. ,1 u- " .....", CUmberland 2 Libert County Bar (BOO) 99b_A9venue, Carl ~ssociation lOB ~sle, PA Legal Servo B Irvine R~~es Inc. (717) 243 9 I CarlisI _ 400 e, PA 17013 - -_---'i:<lli~~~f'<".'"~;.~".. "~~lO'i"'<>I;;j"",,,,,-~' -~..~,~,_':'-" ....',~,- ;..~->~",'-~-"~" "-._'~~-'- 'i''' ,iJ:P'l ~.r ~ \" ~ r r ""- r- :b r ! ~ * r ~ . ~--,,; . .......~.. ,.... ~ '4; . GOLDBECK McCAFFERTY & McKEEVER Joseph A. Goldbeck, Jr. Attorney I.D.#16132 Suite 500 - The Bourse Bldg. 111 S. Independence Mall East Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff THE BANK OF NEW YORK AS TRUSTEE IN THE COURT OF COMMON PLEAS UNDER THE POOLING & SERVICING AGREEMENT DATED AS OF NOVEMBER OF CUMBERLAND COUNTY 30, 1995 SERIES 1995-C c/o Rosicki Rosicki & Associates CIVIL ACTION - LAW P.C. One Old Country Road Suite 375 :ACTION OF MORTGAGE FORECLOSURE Carle Place, NY 11514 Term Plaintiff No. 00-3075 CIVIL TERM vs. BARRY E. ZOOK AND DEBRA A. CONRAD ZOOK (Mortgagor(s) and Record Owner(s)) 601 Huntington Avenue Enola, PA 17025 Defendant(s) CERTIFICATION AS TO THE SALE OF REAL PROPERTY I, Joseph A. Goldbeck, Jr., Esquire hereby certify that I am the attorney of record for the Plaintiff in this action, and I further certify that this property is subject to Act 91 of 1983 and the plaintiff has complied with 11 the provisions of the Act. sepH A. Gol eck, Jr. torney for Plaintiff ~. - ;_:~"lftJUtJl!l!lIiiIlftWi...... ~,L- " ~~" ~~lIl;~' ,~ ' - " ,~ ri^ l~ ~ l e- ., ~ '... '"' }-" <:- <:!,r d.- " ~ c,:~ ~~ ~ . ~- ~ If .~ --=-" t The Bank ofN ew York as Trustee In The Court of Common Pleas of UnderThe Pooling & Servicing Cumberland County, Pennsylvania Agreement Dated as of November 30, 1995 No. 2000-3075 Civil Series 1995-C -vs- Barry E. Zook and Debra A. Conrad Zook R. Thomas Kline, Sheriff, who being duly sworn according to law, says this writ is returned STAYED. Sheriff's Costs: Docketing Poundage Advertising Posting Bills Law Library County Mileage Certified Mail Levy Postpone Sale Surcharge Share of Bills Law Journal Patriot News 30.00 11.08 15.00 15.00 .50 1.00 19.84 6.71 15.00 20,00 30.00 23.15 232.85 144.90 $ 565.03 pd by arty 12/01/00 Sworn and subscribed to before me This 2/.JJ.J- day of ~ ~ 2000,A.D.G!.'" a fM,I#I'<i ~ P othonotary ~P'~ ,.J' R. Thomas Kline, Sheriff BY~ Real Estate Deputy \ ,stl EM.. 3C:i..4- ~ ,~ ~, . .~,- " - - ,--< "-1_ ~_ -"._". . ~ .i_,___ _'....'_m' --:.~ 4 I 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 215-627-1322 Attorney for Plaintiff THE BANK OF NEW YORK AS TRUSTEE IN THE COURT OF COMMON PLEAS UNDER THE POOLING & SERVICING AGREEMENT DATED AS OF NOVEMBER OF CUMBERLAND COUNTY 30, 1995 SERIES 1995-C c/o Rosicki Rosicki & Associates CIVIL ACTION - LAW P.C. One Old Country Road Suite 375 :ACTION OF MORTGAGE FORECLOSURE Carle Place, NY 11514 Term Plaintiff No. 00-3075 CIVIL TERM vs. BARRY E. ZOOK AND DEBRA A. CONRAD ZOOK (Mortgagor(s) and Record Owner(s)) 601 Huntington Avenue Enola, PA 17025 Defendant(s) AFFIDAVIT PURSUANT TO RULE 3129 THE BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING & SERVICING AGREEMENT DATED AS OF NOVEMBER 30, 1995 SERIES 1995-C, 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: 601 Huntington Avenue, Enola, PA 17025 1. Name and address of Owner(s) or Reputed Owner(s): BARRY E. ZOOK 601 Huntington Avenue Enola, PA 17025 DEBRA A. CONRAD ZOOK 601 Huntington Avenue Enola, PA 17025 , '" ' ~- , " -:0,,'."_ "-;jj;',' J , 2. Name and address of Defendant{s) in the judgment: BARRY E. ZOOK 601 Huntington Avenue Enola, PA 17025 DEBRA A. CONRAD ZOOK 601 Huntington Avenue Enola, PA 17025 3. Name and last known address of every judgment creditor whose judgment is a record lien on the property to be sold: 4. Name and address of the last recorded holder of every mortgage of record: 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: EAST PENNSBORO TOWNSHIP 98 South Enola Drive Enola, PA 17025 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. (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 ""'~~ . -, .-,:;,;;,.;,,,;:;, '-'" -.'a.;,' , subject to the penalties of 18 Pa. C.S. Section 4904 relating unsworn falsification to authoriti's. DATED: September 7, 2000 ,; -~'iii&, j H u i_I "~I 'j II II !I -, " ij Ii I' II ,I 'I :1 i~ Ii il " II i, i, jl ,I II II II , I " ; I , ii II I! ',i :1 I I i I I :ru , -., .., ._ .~, w, __ '" ~, O'T , "!1,!FF (:i ~ , ry SEP 1,1 'J )-',1 .l J , >" L. , - ,,-', , , '''- ,,~, mMlm)"!FG!~ ~'~,,",,,,"'~""'" ~.," !_!I~,,"~!'llIliWrn11'tlm!l. ~'JI~][I.,. ~"~ . . , ~ _!Ill' ~~ ~~ ~"'. "'-"'"--'- ~~-- ~ "~, - <" ~~~~, 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 215-627-1322 Attorney for Plaintiff THE BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING & SERVICING IN THE COURT OF COMMON PLEAS AGREEMENT DATED AS OF NOVEMBER 30, 1995 SERIES 1995-C OF CUMBERLAND COUNTY c/o Rosicki Rosicki & Associates P. C . CIVIL ACTION - LAW One Old Country Road Suite 375 Carle Place, NY 11514 :ACTION OF MORTGAGE FORECLOSURE Plaintiff Term vs. No. 00-3075 CIVIL TERM BARRY E. ZOOK AND DEBRA A. CONRAD ZOOK (Mortgagor(s) and Record Owner (s) ) 601 Huntington Avenue Enola, PA 17025 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: DEBRA A. CONRAD ZOOK 601 Huntington Avenue Enola, PA 17025 Your house at 601 Huntington Avenue, Enola, PA 17025 is scheduled to be sold at Sheriff's Sale on December 6, 2000, at 10:00 a.m., in Cumberland County, Commissioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA 17013 to enforce the court judgment of $30,393.74 obtained by THE BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING & SERVICING AGREEMENT DATED AS OF NOVEMBER 30, 1995 SERIES 1995-C 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 BANK OF NEW YORK AS TRUSTEE UNDER THE POOLING & SERVICING AGREEMENT DATED AS _c . " , " '''-!h>-. OF NOVEMBER 30, 1995 SERIES 1995-C, 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. 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 Sheriff's 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 of Cumberland County at (717) 240-6390. 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 of Cumberland County at (717) 240-6390. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have 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 Sheriff's 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 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 SHOULP 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. "",,-~ Il~t", Cumberland County Bar Association 2 Liberty Avenue, Carlisle, PA (800) 990-9108 Legal Services Inc. 8 Irvine Row, Carlisle, PA 17013 (717) 243-9400 > I.. "" ~" ,\.~.,-- "-~ ""' , <', --"'-, \~" , ALL THAT CERTAIN tract or parcel of land with the buildings and improvements thereon erected situate in East pennsboro Township, Cumberland county, Pennsylvania, more particularly bounded and described as follows, to-wit: BEGINNING at a point at the Northwesterly corner of Huntington Street and Chester Avenue; thence along the Northerly line of Huntington Street South 87 degrees 30 minutes West, 100 feet to a point; thence North 87 degrees 30 minutes West, 142 feet to a point at the Southerly line of a 15 feet public alley; thence along same North 87 degrees 30 minutes East, 100 feet to a point on the Westerly line of Chester Avenue aforesaid; thence along same South 2 degrees 30 minutes East, 142 feet to a point the place of Beginning. Being premises known as No. 601 Huntington Avenue, formerly known as 25 Huntington Street. PARCEL # 09-14-0837-222 IMPROVEMENTS consist of a residential dwelling. BEING PREMISES: 601 Huntington Avenue, Enola, PA 17025. SOLD as the property of Debra A. Conrad Zook and Barry E. Zook. TAX PARCEL # 09-14-0834-222. Soe,.JECI '10 f'l',St Hor+':)C\q~ , f. .,,,",, lIII1F""", Off' 0:: \,j SB' \'C, I'; . \" . ,-". ,"-, \nflff- -,,'\'<,:,r~ ''1 J , oj ",I'; . , ""~ 1!M'/ill~~~~!JIl!lfU"~I'l>ffi~~'l!I~~t@~\l!m~~i;I!i~ff~\ll!!!I~!!!!!\l\!! ~~ ..._'- - .~~.~ -~,~-~ -"--"'-,," WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO. 00-3075 CIVIL 19 CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLEAND COUNTY: THE BANK OF NEW YORK AS TRUSTEE UNDER THE PCDLING To satisfy the debt, interest and costs due & SERVICING AGREEMENT DATED AS OF NOVEMBER 30, 1995 SERIES 1995-C from BARRY E and DEBRA A CONRAD ZOOK, 601 HUNTINGTON AVE, ENOLA PLAINTlFF(S) PA 17025. DEFENDANT(S) (1) You are directed to levy upon the property of the defendant(s) and to sell REAL ESTATE LOC1\,TED AT 601 HUNTINGTON AVE, ENOLA PA 17025 (SEE ATTACHED LEGAL DESCRIPTION). (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of __ ');;j"';" GARNISHEE(S) as follows: and to notny the garnishee(s) that: (a) an att;l1lJ:\ment has been issued; (b) the garnishJle(s) is/are enjoined from paying any debt to or for the account of the defendant(s) and from delivering any property of tliedefendilm(s) or'otli1erwise disposing thereof; (3) If property olthe defendant(s) not levied upon an subjectto attachment is,found in the possession of anyonel)ther than a named garnishee, you are directed to notify him/herthat he/she has been added as a garnishee and is enjoined as above stated, Amount Due Interest $30,393.74 from 12/5/99 - 9/7/00 LL Due Prothy Other Costs $.50 $1. 00 Atty's Comm Atty Paid Plaintiff Paid % $130.92 September 11, 2000 CURTIS R. LONG O,aputy Date: by: REQUESTING PARTY: JOSEPH A COLDBECK JR ESQUIRE Name 3UI'fE :;00 'filE OOURSE' DLOO Address: '111 S INDEPENDENCE MALL EllST PHILADELPHIA PA 19106 Attorney for: Telephone: Supreme Court 10 No. PLAINTIFF (215) 627 1322 16132 --------~=""'-~m.iel;),!"a!H~Jili;j,:;';!;l'-' "." -"""'~." ,~, ~ ,- --~_;.:.,.w......~~- ,~,--", ,- -~" -, ~ _',,-,;,., ~_ _"""~'_' REAL ESTATE SALE NO.?J~ Ofl ~ I r.. ~ the sheriff levied upon the defendants interest in the real property situated in E:::-f ~ ~~ 1;,0 Cumberland County, Pa., known and numbered as:t41IL:I::.;t-~ F ~4.. - and more fully described on exhibit II A" filed witb this writ and by this reference incorporated herein. 1late:.J...oL .k"/r___ B~e~ t,-'! ~ ,.,-~ ,I. . : " ~ I ,I : .J d r) " 2 i:1 d3S Al.k';,.. I il:) ;:f,:jHr?r.;~:- ~,! ~.~ ,: .d:!O = .. ~. d " (~) c;;;J c;;;J = @ ijVi)