HomeMy WebLinkAbout00-03227
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FEDERMAN AND PHELAN
By: FRANK FEDERMAN, ESQUIRE
IDENTIFICATION NO. 12248
TWO PENN CENTER PLAZA, SUITE 900
PillLADELPHlA, PA 19102
(215) 563-7000
ATTORNEY FOR PLAINTIFF
COURT OF COMMON PLEAS
CIVIL DIVISION
LIQUIDATION PROPERTIES, INC.
505 SOUTH MAIN STREET, SUITE 6000
ORANGE, CA 92868
TERM
Plaintiff
NO. 00 - .3.2.~ 1
CiULl ~UJ?1
V.
CUMBERLAND COUNTY
IRENE R. VAUGHN
360 RUNNING PUMP ROAD
NEWVILLE, P A 17241
Defendant(s)
CIVIL ACTION - LAW
MORTGAGE FORECLOSURE
NOTICE
PLEASE BE ADVISED THAT THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY
INFORMA lION RECEIVED WILL BE USED FOR THAT PURPOSE. IF YOU HA YE PREYlOUSL Y RECEIVED A
DISCHARGE IN BANKRUPTCY AND THIS DEBT WAS NOT REAFFIRMED, TillS CORRESPONDENCE IS NOT AND
SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT BUT ONLY ENFORCEMENT OF A
LIEN AGAINST PROPERTY.
You have been sued in Court, If you wish to defend against the claims set forth in the following
pages, you must take action within twenty (20) days after this Complaint and Notice are served,
by entering a written appearance personally or by attorney and filing in writing with the court
your defenses or objections to the claims set forth against you, You are warned that if you fail to
do so the case may proceed without you and a judgment may be entered against you by the court
without further notice for any money claimed in the Complaint or for any other claim or relief
requested by the Plaintiff. You may lose money or properly or other rights important to you.
YOU SHOULD TAKE TillS PAPER TO YOUR LA WYER 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
CUMBERLAND COUNTY BAR ASSOClA TION
2 LIBERTY AVENUE
CARLISLE, PA 17013
(717) 249-3166
Loan # 0004911806
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1. Plaintiff is
LIQUIDATION PROPERTIES, INC,
505 SOUTH MAIN STREET, SUITE 6000
ORANGE, CA 92868
2, The name(s) and last known addressees) of the Defendant(s) are:
IRENE R. VAUGHN
360 RUNNING PUMP ROAD
NEWVILLE, PA 17241
who is/are the mortgagor(s) and real owner(s) of the property hereinafter described.
3. On 3/18/98 mortgagor made, executed and delivered a mortgage upon the premises
hereinafter described to AMERIQUEST MORTGAGE COMPANY which mortgage is
recorded in the Office of the Recorder of CUMBERLAND County, in Mortgage Book
No, 1440, Page 925. By Assignment of Mortgage recorded 12/22/99 the mortgage was
assigned to PLAINTIFF which Assignment is recorded in Assignment of Mortgage Book
No. 634, Page 189.
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 5/1/99 and each month thereafter are due and unpaid, and by the terms of
said mortgage, upon failure of mortgagor to make such payments after a date specified by
written notice sent to Mortgagor, the entire principal balance and all interest due thereon
are collectible forthwith. A copy of such notice is attached as Exhibits "A."
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6" The following amounts are due on the mortgage:
Principal Balance
Interest
4/1/99 through 5/1/00
(Per Diem $36"06)
Attorney's Fees
Cumulative Late Charges
3/18/98 to 5/1/00
Cost of Suit and Title Search
Subtotal
$123,642"00
14,279,76
4,000"00
888A2
550,00
143,360.18
Escrow
Credit
Deficit
Subtotal
0,00
0,00
0,00
TOTAL
$143,360.18
7, The attorney's fees set forth above are in conformity with the Mortgage documents and
Pennsylvania Law, and will be collected in the event of a third party purchaser at
Sheriff's Sale" If the Mortgage is reinstated prior to the Sale, reasonable attorney's fees
will be charged,
8, This action does not come under Act 6 of 1974 because the original mortgage amount
exceeds $50,000"
9. The Combined Notice has been sent to the Defendant(s) by regular and certified mail as
required by 35 P.S. gl680A03c on the date(s) set forth in the true and correct copy of
such notice(s) attached hereto as Exhibit "A,"
10. Defendant's Application for Assistance under Act 91 of 1983 has been rejected
by the Pennsylvania Housing Finance Agency, a copy of which rejection is
attached hereto as Exhibit "B".
WHEREFORE, PLAINTIFF demands an in rem Judgment against the Defendant(s) in the sum of
$143,360,18, together with interest from 11/1/99 at the rate of$36.06 per diem to the date of
Judgment, and other costs and charges collectible under the mortgage and for the foreclosure and
sale of the mortgaged property.
/s/ Frank Federman
FRA~FEDE~N,ESQumRE
Attorney for Plaintiff
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Iii:
ACT 91 NOTICE
TAKE ACTION
YOUR HOME FROM
FORECLOSURE
TO
SAVE
DATE: February 14, 2000
TO: Irene R. Vaughn
360 Running Pump Road
Newville, PA 17241
THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS
SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN
AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. IF
YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS
CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO
COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY.
This is an official notice that the mortgage on your home is in default and the lender intends to foreclosure,
Specific information about the nature of the default is provided in the attached pages.
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save
your home. This Notice explains how the program works.
To see ifHEMAP can help. you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY
WITHIN 30 DAYS OF THE DATE OF THIS NOTICE, Take this Notice with you when you meet the
Counseling Agency.
The name, address and phone number of Consumer Credit Counseling Agencies serving your County are
listed at the end of this Notice, If vou have any Questions, you may caIl the Pennsylvania Housing Finance
Agency toIl free at 1-800-342-2397, (Persons with impaired hearing can caIl (717) 780-1869),
This Notice contains important legal infonnation. If you have any questions, representatives at the
Consumer Credit Counseling Agency may be able to help explain it You may also want to contact an
attorney in your area. The local bar association may be able to help you find a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUEDE AFECTA SU DERECHO
A CONTINUAR VIVIENDO EN SU CASA, Sl NO COMPRENDE EL CONTENIDO DE ESTA
NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA
AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO
MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA
LLAMADO "HOMEOWNERS EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL
PUEDE SAL V AR SU CASA DE LA FERDIDA DEL DERECHO A REDIMAR SU HIPOTECA,
STATEMENTS OF POLICY
HOMEOWNER'S NAME(S): Irene R. Vaughn
PROPERTY ADDRESS: 360 Running Pump Road - Newville, PA 17241
LOAN ACCT. NO,: 0004911806
ORIGINAL LENDER: Ameriquest Mortgage Company
CURRENT LENDER/SERVICER: Ameriquest Mortgage Company
EXHIBIT A
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAYBE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME
FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACr), YOU MAYBE ELIGIBLE FOR EMERGENCY
MORTGAGE ASSISTANCE.
. IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL,
. IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE
PAYMENTS, AND
. IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE
PENNSYLVANIA HOUSING FINANCE AGENCY,
TEMPORARY STAY OF FORECLOSURE-Under the Act, you are entitled to a temporary stay of
fOreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must
arrange and attend a face-to- face meeting with one of the consumer credit counseling agencies listed at the
end of this Notice, THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS, IF YOU DO
NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR
MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR
MORTGAGE DEF AUL r EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES-If you meet with one of the consumer credit
counseling agencies listed at the end of this notice the lender mav NOT take action against vou for thirty
(0) days after the date of this meeting. The names, addresses and telephone numbers of designated
Consumer credit counseling agencies for the county in which the property is located are set forth at the end
of this Notice, It is only necessary to schedule one face-to-face meeting. Advise your lender immediately
of your intentions,
APPLICA nON FOR MORTGAGE ASSISTANCE-Your mortgage is in a default for the reasons set forth
later in this Notice (see following pages for specific infonnation about the nature of your default.) If you
have tried and are unable to resolve this problem with the lender, you have the right to apply for fmancial
assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out,
sign and file a completed Homeowner's Emergency Assistance Program Application with one of the
designated consumer credit counseling agencies listed at the end ofthis Notice. Only consumer credit
counseling agencies have applications for the program and they will assist you in submitting a complete
application to the Pennsylvania Housing Finance Agency, Yonr application MUST be filed or postmarked
within thirty (30) days of your face-to-face meeting,
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU
DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER,
FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR
APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED.
AGENCY ACTION-Available funds for emergency mortgage assistance are very limited. They will be
disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing
Finance Agency has sixty (60) days to make a decision after it receives your application. During that time,
no foreclosnre proceedings will be pursued against you if you have met the time requirements set forth
above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your
application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN
BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION
PURPOSE ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT
THE DEBT.
(If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.)
EXHIBIT A
o.:j
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date),
NATURE OF THE DEF AUL T- The MORTGAGE debt held by the above lender on your property located
at: 360 Running Pump Road - Newville, PA 17241 IS SERIOUSLY IN DEFAULT because:
A, YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the
following amounts are now past due: Start/End: 5/1/99 thm 2/1/00 at $1,143.43 per month,
Monthly Payments Plus Late Charges Accrued $12,116.89
NSF: $0.00
Inspections: $0.00
Other: $0.00
(Suspense): $850.00
Total amount to cure default $11,266.89
B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTIONS (Do not use if not applicable): N/A
HOW TO CURE THE DEF AUL T- Y ou may cure the default within THIRTY (30) DAYS of the date of
this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $11,266.89.
PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING
THE THIRTY (30) DA Y PERIOD. Payments must be made either by cash. cashier's check. certified
check or money order made payable and sent to: FEDERMAN AND PHELAN, Suite 900,Two Penn
Center Plaza, Philadelphia, PA 19102, attention: Reinstatement Department.
You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of
this letter. (Do not use if not applicable.) N/A,
IF YOU DO NOT CURE THE DEFAULT-If you do not cure the default within THIRTY (30) DAYS of
the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt The means
that the entire outstanding balance ofthis debt will be considered due immediately and you may lose the
chance to pay the mortgage in monthly installments, Iffull payment of the total amount past due is not
made within THIRTY (30) DAYS, the lender also intends to instruct its attorney to start legal action to
foreclosure upon your mortgage property.
IF THE MORTGAGE IS FORECLOSED UPON- The mortgage property will be sold hy the Sheriff to pay
off the mortgage debt If the lender refers your case to its attorneys, but you cure the delinquency before
the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's
fees that were actually incurred. up to $50.00. However, if legal proceedings are started against you, you
will have to pay all reasonable attorney's fees acntally incurred by the lender even ifthey exceed $50,00,
Any attorney's fees will be added to the amount to the lender. which may also include other reasonable
costs. If you cure the default within the THIRTY (30) DAY period. you will not be required to pay
attorney's fees,
OTHER LENDER REMEDIES-The lender may also sue you personally for the unpaid principal balance
and al1 other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE-If you have not cured the default
within the THIRTY (30) DA Y period and foreclosure proceedings have begun, you still have the right to
cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so
by paying the total amount then past due. plus any late Or other charges then due. reasonable attorney's fees
and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as
specified in writing by the lender and by performing any other requirements under the mortgage. Curing
your default in the manner set f011h in this notice will restore your mortgage to the same position as if you
had never defaulted,
E)CH\B\T A
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EARLIEST POSSIBLE SHERIFF'S SALE DATE-It is estimated that the earliest date that such a Sheriff's
Sale of the m0l1gage property could be held would be approximately SIX (6) MONTHS from the date of
this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Ofcourse,
the amount needed to cure the default will increase the longer you wait. You may find out at any time
exactly what the required payment or action will be by contacting the lender.
HOW TO CONTACT THE LENDER: Attorney Representing Lender:
FEDERMAN AND PHELAN
Suite 900, Two Penn Center Plaza, Philadelphia, PA 19102
Phone: (215) 563-7000 Fax Nnmber: (215) 563-5534
Contact Person: Phyllis Levin, Reinstatement Department
EFFECT OF SHERIFF'S SALE-You should realize that a Sheriff's Sale will end your ownership of the
mortgaged propel1y and your right to occupy it. If you continue to live in the property after the Sheriff's
Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at
any time.
ASSUMPTION OF MORTGAGE-You may or_X_may not (CHECK ONE) sell or tratisfer
your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding
payments, charge and attorney's fees and cost are paid prior to or at the sale and that the other requirements
of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
. TO SELL THE PROPERTY TO OBTAIN MONEY TO PA Y OFF THE MORTGAGE DEBT OR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
. TO HAVE THIS DEF AUL T CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD
OCCURRED, IF YOU CURE THE DEF AUL T. (HOWEVER, YOU NOT HAVE THIS RIGHT TO
CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR,)
. TO ASSERT THE NONEXISTENCE OF A DEF AUL T IN ANY FORECLOSURE PROCEEDING
OR ANY OTHER LA WSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS,
. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY
THE LENDER
. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW,
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY IS ATTACHED
Very truly yours,
FEDERMAN AND PHELAN
Cc: Ameriquest Mortgage Company
Attn: James Brownell
Account No,: 0004911806
Mailed by I" Class mail and by certified Mail No: Z-367-127-692
E)CH\B\T A
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Pennsylvania Housing Finance Aaency
Homeowner's Emergency Mortgage Assis~nce Program
Consumer Credit Counseling Agencies
(Rev. 5/99)
LYCOllling-Clinto'Jn Counc:
CO=ission 1:'a C es,
2138 lineaL s. r o=wur'J A..tion (STEP)
p. '" ~.
. 0, Box 1328 -
~lli.:unspor-:. P.... 17703
(5,0) 326-0587
FA.'t (570) 322.2197
eccs of)fod'e""""rn po,.
201 Basin St:'eet .
Williams
(5-0) porr:. PA 17703
, 323-6627
FAX (570) 323-6'626
CLIN'I'ON eOtiNTY
cecs afNortheastern P....
16~1 S Atherton St .
SWte 100
Se:.te College, PA 16801
(8H) 238-3668
F.~(814) 238-3669
COLUMBIA COu'NTY
CCCS o{Nord,eastem Pennsvlvania
1400 Abington E."ec'~tive Park
Suite 1
Clarks Sununitt P.... 18411
(570) 587-9153 or (800) 922.9537
FA.'{ (570) 587-9134/9135
31 W. Market Sm.et
FOB 1127
WUkes-Barre. PA 18702
(570) 821-0837 or (800) 922.9537
F.-\.'{ (570) 821.1785
Coaunission on Ecanomics Opportunity af Lazerne CO\U1t:'
163 .~ber Lane
W"Ukes-Barre, PA 18702
(570) 826-0510 ar (800) 822-0359
F.-\.'{ (570) 829-1655--CALL BEFORE FA.'aNG
(570) 4554994 a-\ZELTON
FA."{ (570) 455.5631-CALL BEFORE FA.'aNG
(570) 836-4090 TUNKH..>...','NOeK
Booker T. Washington Center
1720 Holland St:'1!et
Erie, FA 16503
(814) 453-5744
F.-\.X (814) 453-5749
John F, K.onnedy Center, Inc.
2021 East 20th St=""t
Erie, PA 16510
(814) 898.0400
F.-\X (814) 898-1243
eecs of Western Pennsvlvania. Inc.
2000 Ling!..to'Jwn Road'
Har.".sburg, PA 17102
(717) 541.1757
Urban League of ~letrapolitan Harrisburg
N. 6th St:'1!et
Harrisburg. PA 17101
(717) 234-5925
F.-\."{ (717) 234-9459
Co=unir'J .>.c::ion Co= of the Capital Region
1514 Der:-v St:'eet
Har.".sbu~. P.... 17104
(717) 232.9757
F.-\.,,{(717) 234-2227
CRAWFORD COUl'o"TY
Greater Erie Co=unit"J .>.c:ion Commit'..."
18 West 9th S~t
Erie. PA 16501
(814) 459-4581
F.-\X (814) 456-0161
Shenango Valley Urban League, Inc
601 Indiana Avenue
Farrell. PA 16121
(412) 981-5310
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CllMBERl.AND COUNTY
Ftn~",..T~1 Counseling Sernc:es ofFr3.nkIin
31 West 3r.i S~t
Waynesboro, FA 17268
(717) 762-3285
YWCA of Carlisle
301 GS~t
Carlisle, FA 17013
(717) 243-3818
FA.X (717) 731-9589
Adams County Housing Aut!lOrit"J
139-143 Carlisle St
Gettysburo. FA 17325
(717) 334-1518
F.-\.X (717) 334-8326
EXHIBIT A
PEIlNSY1.VANIA BULLaTlN, VOL. 29, NO. 2:l. JUNE 5, 1999
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PENNSYL VANIA HOUSING FINANCE AGENCY
Homeowners' Emergency Mortgage Assistance Loan Program
Payments General Information (717) 780-3940 CorreslJondence
2101 NOJ:th Front Street General Information 1-800-342-2397 2101 North Front Street
P.O. Box 15206 TDD # For Hearing Impaired (717) 780-1869 P,O. Box 15530
Harrisburg, PA 17105-5206 FAX # (717) 780-3995 Harrisburg. PA 17105-5530
4/28/2000
FEDEllMAN & PHELAN
2 PENN CENTER PLAZA
SUIn: 900
PHILADELPHIA, PA, 19102
SUBJECT:
IRENE R VAUGHN
360 RUNNING PUMP RD
NEWVILLE, PA. 17241
000 Ll 0 l \ %'0 \C.
You~ application for a HOMEOWNER'S EMERGENCY MORTGAGE ASSISTAlICE LOAfI has been DENIED
pursuant to Act 91 of 1983, 35 P.S. Section 168.401-C et seq. and/or Agency
Guidelines 12 PA Code Section 31.201 et seq. for the following reasons:
DELETED IN LENDER'S COPY
You may be entitled to an appeal hearing if you disagree with our decision. We must
receive a written request for a hearing within 15 days of the postmark date of this
letter. (Appeal requests must be in writing; a ve~bal request is not acceptable).
The hearing may be conducted by a telephone conference call; therefore, you must
include your telephone number. Requests for hearings must state the reason(s) that a
hearing is requested and must be sent first class, registered or certified mail to:
Chief Counsel - Hearing Request, PHFA/HEMAP, 2101 North Front Street, P.O. Box 15628,
Har~isburg, Pennsylvania, 17105-5628. The Agency will attempt to schedule the hearing
within thirty (30) days after the request is received. When sending your appeal,
please be sure to print your name legibly and include your social security number.
You have a right to be represented by an attorney in connection with your appeal. If
you cannot affo~d an attorney you may be eligible for Legal Services representation.
You can contact a Legal Services representative through the following toll free
number: 1-800-732-3545. Please be aware that scheduling an appeal hearing does not
necessarily stay foreclosure proceedings.
DISCLOSURE OF USE OF INFORMATION OBTAINED FROM OUTSIDE SOURCE:
1. Disclosure inapplicable.
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating
against credit applicants on the basis of race, colo~, religion, national origin, sex,
marital status, age (provided that the applicant has the capacity to enter into a
binding contract); because all or part of the applicant's income derives from any
public assistance program; or because the applicant has in good faith exercised any
right under the Consumer Credit Protection Act. The Federal Agency that administers
compliance with this law concerning this creditor is the Federal Trade Commission,
Equal Credit Opportunity, Washington, D.C.
The Pennsylvania Housing Finance Agency
EXHIBIT B
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ALL THAT CERTAIN tract of land. together with improvements erected thereon known as 360
. Running Pump Road, situate in the Township of Hopewell. in the County of Cumberland,
Commonwealth of Pennsylvania, bounded and described as follows:
f.:
BEGINNING at an iron pin in a public road at corner of land now or formerly of Alfred W, Bitner.
formerly part of this same farm; thence with the said public road, North eighty-five (85) degrees
twenty-five (25) minutes East, seventy and eight-tenths (70,8) perches to a stake in the road at
corner of land now or formerly of Evans W, Bimer, also formerly part of this same farm; thence
with said land, North seventy-four (74) degrees fifty-five (55) minute East, forty-eight and four-
tenths (48.4) perches to a post on line of land formerly of Hugh B. McCune and now or formerly of
William P. Tiller; thence with said land, South forty-five and twenty-five hundredths (45,25)
degrees East two hundred two (202) perches to a stone in a run or a drain; thence South forty-two
(42) degrees west, forty-one and eight-tenths (41.8) perches to a post, formerly a black oak tree;
thence South seventy-three (73) degrees West, ninety-two (92) perches to a post; thence by land
formerly of Joseph Whistler, later John Booz, now or formerly of Charles Hassler, North sixty-two
(62) degrees West, one hundred fifty-three and two-tenths (153.2) perches to a stake in the public
road; thence with said road, North thirty-seven and five-tenths (37,5) degrees East, eighteen (18)
perches to a point in the said road; thence by same, North twenty and tive-tenths (20,5) degrees
East, fifty-nine and eight-tenths (59.8) perches to an iron pin in the center of the Newburg Road, the
place of BEGINNING,
CONTAINING one hundred fifty-three (153) acres and thirteen (13) perches.
EXCEPTING THEREFROM the following tracts of land:
1.
Three and three-fourths (314) acres, more or less, conveyed by W,H. Vaun, single man, to
Howard G. Vaun and Irene R. Vaun, his wife, by deed dated August 11, 1951, and recorded
in the Cumberland County Recorder's Office in Deed Book "R", Volume 19, page 393,
Also being the same which Howard G, Vaughn and Irene R. Vaughn, his wife, by their deed
dated May 28,1971, and recorded in Cumberland County Deed Book "C", Volume 24, at
page 503, conveyed to Howard L. Vaughn and Connie L. Vaughn,
Three acres conveyed to William E. Cramer, Jr., dated July 26. 1961, and recorded in
Cumberland County Deed Book "G", Volume 20, at page 693,
Three and seventy-nine hundredths (3.79) acres conveyed to WiHiam J. Burchfield and
Josephine L. Burchfield, his wife, dated December 18, 1971. and recorded in Cumberland
County Deed Book "K", Volume 24, at page 921.
2,
3.
4.
One and seven hundred twenty-one thousandths (1.721) acres conveyed to Hugh E. Beam
and Marguerite D. Beam, his wife, dated May 23, 1974, and recorded in Cumberland
County Deed Book "S", Volume 25, at page 83,
Two (2) acres conveyed to Richard C. Aby and Alice A, Aby, his wife, dated August 7,
1974, and recorded in Cumberland County Deed Book "S", Volume 25, at page 823,
. Lot in Hopewell Township conveyed to William E, Cramer, k. dated July 8, 1977, and
recorded in Cumberland County Deed Book "R", Volume 27, at page 338,
5.
6.
Five and four hundred ninety-three thousandths (5,493) acres conveyed to Roger L. Vaughn,
dated October 11,1982, and recorded in Cumberland County Deed Book "Z", Volume 29.
at page 293.
8, Lot 9 conveyed to Amos K. King and Malinda E. King recorded June 3. 1996 in
Cumberland County Deed Book 140, page 343.
7.
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VERIFlCA TION
Virgilio Andaya hereby states that he is FORECLOSURE SPECIALIST of AMERIQUEST
MORTGAGE COMPANY mortgage servicing agent for Plaintiff in this matter, that he/she is authorized
to take this Verification, and that the slatements made in the foregoing Ci'lil Action in Mortgage
Foreclosure are true and correct to the best of hislher knowledge. infonnation and belief. The undersigned
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understands that this slatement is made subject to the penalties of 18 Pa. C.S, Sec. 4904 relating to unsworn
falsification to authorities.
DATE:
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
COMMONWEALTH OF PENNSYLVANIA
LIQUIDATION PROPERTIES, INC.,
Plaintiff,
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
v.
IRENE R. VAUGHN
Defendant.
NO. 00-3227-CIVIL TERM
NOTICE TO PLEAD
TO: Liquidation Properties, Inc.
You are hereby notified to file a written response to the attached Preliminary Objections of the
Defendant, Irene R. Vaughn, within twenty (20) days from service hereof or a judgement may be
entered against you.
ffL-
. Weigle, Esquire
os P.Ruane,Esqurre
Attorneys for Irene R. Vaughn
WEIGLE, PERKINS & ASSOCIATES - ATTORNEYS AT LAW - 126 EAST KING STREET - SHIPPENSBURG, PA 17257~1397
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
,
COMMONWEALTH OF PENNSYLVANIA
LIQUIDATION PROPERTIES, INC.,
Plaintiff,
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
v.
IRENE R. VAUGHN
Defendant.
NO. 00-3227-CIVIL TERM
DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT
The Defendant, Irene R. Vaughn, by her undersigned legal counsel, Jerry A. Weigle, Esquire, and
Joseph P. Ruane, Esquire, preliminarily objects to Plaintiffs complaint pursuant to Pa Rc'P, 1028
(a)(I) as follows:
PRELIMINARY OBJECTION RAISING LACK OF SUBJECT MATTER JURISDICTION
1. The Defendant, Irene R Vaughn, resides at 360 Running Pump Road, Newville, Pennsylvania
17241.
2. The Plaintiff initiated this mortgage foreclosure action by filing a complaint in this Court on or
about May 25, 2000.
3, On March 11, 1999, the Defendant executed a Notice of Rescission whereby she rescinded the
loan and mortgage transaction which was consummated on March 13, 1998, between Ameriquest
Mortgage Company, the original lender, and the Defendant and which transaction is the subject
of this mortgage foreclosure action,
4. The Defendant served the Notice of Rescission, attached hereto and marked "Exhibit 1," on the
original lender, Ameriquest Mortgage Company, by regular and certified mail.
5. Accordingly, the Defendant asserts that this Court lacks jurisdiction over the subject matter of
this action as a result of the rescission of said mortgage transaction and preliminarily objects to
this complaint pursuant to Pa R.C.P. 1028 (a)(I),
WEIGLE, PERKINS & ASSOCIATES - ATTORNEYS AT LAW - 126 EAST KING STREET - SHIPPENSBURG, PA 172S7~1397
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WHEREFORE, the Defendant respectfully requests that this mortgage foreclosure action be dismissed.
Respectfully submitted,
WEIGLE, PERKINS & ASSOCIATES
By:
Ptl---
J A Weigle, Esquire
tto ey I.D. #01624
Joseph P. Ruane, Esquire
Attorney I.D. #71577
Attorneys for Defendant
126 East King Street
Shippensburg, P A 17257
(717)532-7388
WEIGLE. PERKINS & ASSOCIATES - ATTORNEYS AT LAW - 126 EAST KING STREET - SHIPPENSBURG, PA 17257~1397
11I11
NOTICE OF RESCISSION
March 11, 1999
To: Ameriquest Mortgage Company
. Please take notice that the undersigned, Irene R. Vauglui, residing at 360 Running Pump Road,
Newville, Pennsylvania 17241, hereby rescinds the loan and mortgage transaction which was
consummated on March 18, 1998, between Ameriquest Mortgage Company, the lender and Irene
R. Vaughn, the borrower, and which involved a loan of money (loan number 491 1806-5583) and
a mortgage taken on the property at 360 Running Pump Road, Hopewell Township, Cumberland
County, Pennsylvania. The grounds for rescission include violations of the Truth in Lending Act,
15 V.S.C. gl601 et seq. and fraud.
Accordingly, demand is made upon you under the provisions of the Truth in Lending Act to
return to the undersigned all money and property and to take the necessary action to terminate the
aforementioned security interest. The undersigned, Irene R. Vaughn, shall not be responsible for
the return of any consideration tendered in this transaction because she was not the recipient of
any of the benefits of this transaction. <
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Irene R, Vaughn
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Josephine L Burchfield
Attorney in Fact for Irene R, Vaughn
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VERIFICATION
I verify that the statements made in the foregoing pleading are true and correct. I understand that false
statements herein are made subject to the penalties of 18 Pa, C.S. 4904, relating to unsworn falsification
to authorities,
g~.V
IreneR.Vaughn ~
sephi Burchfield, Attorney-in-Fact for
rene R. Vaughn
WEIGLE. PERKINS & ASSOCIATES - ATTORNEYS AT LAW - 126 EAST KING STREET - SHIPPENSBURG, PA 17257-1397
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PRAECIPE FOR LISTING CASE FOR ARGUMENT
(Must be typewritten and submitted in duplicate)
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
Please list the within matter for the next Argument Court.
CAPTION OF CASE
(entire caption must be stated in full)
Liquidation Properties, Inc,
(Plaintiff)
vs,
Irene R Vaughn
(Defendant)
No. OO_,??7 Civil 'Tprm 2000
I. State matter to be argued (i.e" plaintiffs motion for new trial, defendant's demurrer to
complaint, etc.):
Plaintiff's Response to Defendant's Preliminary Objections
2. Identify counsel who will argue case:
(a)
for plaintiff:
Address:
Joshua B. Sears, Esquire
2 Penn Center Plaza
Suite 900
Philadelphia, PA 19102
(b)
for defendant:
Address:
Jerry A, Weigle, Esquire
126 East King Street
Shippensburg, PA 17257-1397
3, I will notifY all parties in writing within two days that this case has been listed for argument
Date:
sl-:rf ID
4, Argument Court Date: October 11, 2000
J os a B. Sears, Esquire
Attorney for Plaintiff
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FEDERMAN & PHELAN, L.L.P.
BY: JOSHUA B. SEARS, ESQUIRE
IDENTIFICATION NO. 83419
SUITE 900, TWO PENN CENTER PLAZA
PHILADELPHIA, PA 19102
(215) 563-7000
ATTORNEY FOR PLAINTIFF
Liquidation Properties, Inc.
505 South Main Street, Suite 6000
Orange, CA 92868
vs.
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
CIVIL DIVISION
No. 00-3227
Irene R. Vaughn
360 Running Pump Road
Newville,PA 17241
CF.RTTFTCATF, OF SRRVTCR
I hereby certifY that a copy of the Plaintiff's Response to Defendant's Preliminary Objections,
Brief and attached documents were served upon counsel for the Defendant by first class mail, postage
prepaid, at the address and on the date listed below:
Joseph p, Ruane, Esquire
126 East King Street
Shippensburg,PA 17257-1397
DATE:
2llLIJU
J h , Sears, Esquire
A omey for Plaintiff
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FEDERMAN AND PHELAN
BY: JOSHUA B. SEARS, ESQUIRE
IDENTIFICATION NO. 83419
SUITE 900, TWO PENN CENTER PLAZA
PHILADELPHIA, PA 19102
(215) 563-7000
ATTORNEY FOR PLAINTIFF
Liquidation Properties, Inc.
505 South Main Street, Suite 6000
Orange, CA 92868
vs.
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
CIVIL DIVISION
No. 00-3227 Civil Division
Irene R. Vaughn
360 Running Pump Road
Newville, PA 17241
ORnRR
AND NOW, this
day of
, 2000, upon consideration ofthe
Preliminary Objections of Defendant, Irene R Vaughn and Plaintiffs Response thereto, it is hereby
ORDERED and DECREED that the said Preliminary Objections are overruled.
Defendant has a period of twenty (20) days from the date of this Order within which to file an
Answer to the Complaint
BY THE COURT:
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FEDERMAN & PHELAN
BY: JOSHUA B. SEARS, ESQUIRE
IDENTIFICATION NO. 83419
SUITE 900, TWO PENN CENTER PLAZA
PHILADELPHIA, PA 19102
(215) 563-7000
ATTORNEY FOR PLAINTIFF
Liquidation Properties, Inc.
505 South Main Street, Suite 6000
Orange, CA 92868
vs.
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
CIVIL DIVISION
No. 00-3227 Civil Division
Irene R. Vaughn
360 Running Pump Road
Newville, P A 17241
PLEASE BE ADVISED TIlAT THIS FIRM IS A DEBT COLLECTOR
ATTEMTING TO COLLECT A DEBT ANY INFORMATION
RECENED WILL BE USED FOR THAT PURPOSE. IF YOU HAVE
PREVIOUSLY RECENED A DISCHARGE IN BANKRUPTCY AND
THIS DEBT WAS NOT REAFFIRMED, THIS CORRESPONDENCE IS
NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATlEMPT
TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN
AGAINST THE PROPERTY,
PLATNTIFF'S RRSPONSF, TO nF,FF,NnANT'S PRRT.TMTNARV OR.TF,CTTONS
Plaintiff, Liquidation Properties, Inc., by its attorney, Joshua B. Sears, Esquire, hereby files the
within Response to Preliminary Objections of Defendant, Irene R. Vaughn, and in support thereof
states as follows:
PT ,ATNTIFF'S RRPT ,v TO nF,FFNnA NT'S ASSF,RTTON OF T ,ACK OF STJR.TF,CT M A TTRR
.TTJRTSnTc:TTON
I, Denied. Plaintiff is without information sufficient to form a belief as to the truth of the
averment contained within paragraph I,
2, Admitted,
3. Denied, Plaintiff is without information sufficient to form a belief as to the truth of the
averment of paragraph 3. By way of further response, Defendant has presented no proof of receipt by
Plaintiff of the alleged "Notice of Rescission," In addition, such alleged "Notice of Rescission," fails
to be addressed to any individual or any location of Plaintiff. A true and correct copy of the alleged
Notice of Rescission is attached hereto, made part hereof and marked as Exhibit A, By way of further
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response, Defendant's attempt to rescind the Mortgage underlying the instant foreclosure action fails
to meet the requirements as set forth by 15 U.S.C.S, 91635(a) which provides that in the case of any
consumer credit transaction in which a security interest is retained or acquired in property which is
used as the principal dwelling of the person to whom the credit is extended, "the obligor shall have
the right to rescind the transaction until midnight of the third business day following the
consummation of the transaction," Defendant executed the Mortgage on March 18, 1998. A true and
correct copy of the Mortgage is attached hereto, made part hereof and marked as Exhibit B. As
Defendant's alleged Notice of Rescission letter to Plaintiff dated March 11, 1999 is nearly one year
after the date of execution of the Mortgage and the three business days subsequent to the execution of
the security instrument, Defendant's notice of rescission is without effect as to the underlying security
instrument Defendant's attempt to rescind the Mortgage fails to comply with 15 U's,C.S, 91635(a)
as Defendant attempted to rescind the Mortgage outside ofthe third business day following
consummation of the transaction.
4. Denied. Plaintiff refers to its response in paragraph 3, above, By way of further
response, Defendant attaches no proof of mailing by either regular or certified maiL In addition,
Defendant's alleged notice of rescission fails to contain an address or individual ofthe P1aintiffto
which such notice was allegedly sent A true and correct copy ofthe alleged notice of rescission is
attached hereto, made part hereof and marked as Exhibit A.
5. Denied, The averment contained within paragraph 5 is a conclusion oflaw to which
no response from Plaintiff is required, By way of further response the right of rescission provided by
15 USCA 91635 "does not apply to the creation, retention or assumption of a first lien or equivalent
security interest to fmance the acquisition of a dwelling in which the borrower resides," French v.
Wilson, D.C.R.I. 1978,446 F. Supp. 216, Thus, Defendant's alleged notice of rescission is without
effect as the mortgage is a first lien on the subject premises as evidenced by Plaintiff s title report, a
true and correct copy of which is attached hereto, made part hereof and marked as Exhibit C.
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WHEREFORE, Plaintiff respectfully requests that the Court overrule the Defendant's
Preliminary Objections and direct the Defendant to file an Answer to Plaintiffs Complaint.
Respectfully submitted,
FEDERMAN AND PHELAN
Date:~
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ARGUMENT COURT- AUGUST 30.2000
BEFORE HOFFER. HESS. and OLER
#24
Liquidation Properties, Inc,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
v,
NO, 00-3227 CIVIL TERM
Irene R Vaughn,
Defendant
CIVIL ACTION- LAW
Motion:
Defendant's Preliminary Objections
~
Briefs: Plaintiff's Brief in Support ofIts Response to Defendant's Preliminary Objections
No brief filed by Defendant
Facts: Plaintiff filed this mortgage foreclosure action against defendant mortgagor who
is in default on a mortgage on 360 Running Pump Road, Hopewell Township,
Cumberland County, Pennsylvania,
Arguments: Defendant filed preliminary objections to Plaintiff's Complaint, Plaintiff
argues that because its complaint contained the requisite averments under
the Pa. RC,P, governing mortgage foreclosure actions, Plaintiff's
preliminary obj ections are meritless. Plaintiff requests that the court
overrule Defendant's preliminary objections and direct Defendant to file
an answer within 20 days.
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FEDERMAN & PHELAN, L.L.P.
BY: JOSHUA B. SEARS, ESQUIRE
IDENTIFICATION NO. 83419
SUITE 900, TWO PENN CENTER PLAZA
PHILADELPHIA, PA 19102
(2.15) 563-7000
ATTORNEY FOR PLAINTIFF
Liquidation Properties, Inc.
505 South Main Street, Suite 6000
Orange, CA 92868
vs.
COURT OF COMMON PLEAS
Cumberland COUNTY
CIVIL DIVISION
No. 00-3227 Civil Division
Irene R. Vaughn
360 Running Pump Road
Newville, PA 17241
PT ,A TNTTFF'S RRTRF TN STlPPORT OF ITS
RESPONSE TO nF,FF,NnANT'S PREUMTNARY OR.mc.TTONS
I. TNTRomrc.TTON
Plaintiff has filed a Mortgage Foreclosure Complaint because Defendant is in default under
the mortgage. In response, Defendant has filed frivolous Preliminary Objections merely to delay the
foreclosure action.
II. PT .ATNTTFF'S MORTGAGF, FOREn ,OSTlRE C.OMPT ,A TNT C.OMPT ,TRS WITH THE
PENNSYTVANTA RTlT.F,S OF nvn, PROc.F.nTlRF.
Plaintiffs action in mortgage foreclosure is based upon an action at law to foreclose a
mortgage, not to enforce a personal liability. Pa,R.C.P. 1141. Rule 1147 of the Pennsylvania Rules
of Civil Procedure sets forth the averments that are required to be plead in a mortgage foreclosure
complaint. The Rule provides:
The Plaintiff shall set forth in the complaint:
1, The parties to and the date ofthe mortgage, and of any assignments, and a statement of
the place ofrecord of the mortgage and assignments;
2. A description of the land subject to the mortgage;
3. The name, address and interest of the Defendant in the action and that the present real
owner is unknown ifhe is not made a party;
4. Specific averment of default;
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5. An itemized statement of the amount due; and
6, A demand for judgment for the amount due.
Instantly, Plaintiffs Complaint comports with the aforesaid requirements. Paragraph 2 states
the name, address and interest of the Defendant. Paragraph 3 recites the execution of the Mortgage,
including the date that the Mortgage was made, and also sets forth the date of the Assignment (if any)
along with the information concerning the recording of the Mortgage and Assignment. Paragraph 4
refers to the legal description of the land, Paragraph 5 states that the mortgage is in default.
Paragraph6 provides a breakdown ofthe amount due on the mortgage. The Wherefore Clause sets
forth Plaintiffs demand for judgment.
Accordingly, Plaintiffs Complaint complies with the pleading requirements as set forth in
Pennsylvania Rules of Civil Procedure,
give notice to potential future creditors or purchasers of the mortgage as to who the record owner of
III. rONc:J ,TTSTON
For the reasons set forth herein, the Preliminary Objections are meritless and have been
interposed for the purpose of delay only, Plaintiff respectfully requests that this Honorable Court
enter an Order overruling Defendant's Preliminary Objections and directing Defendant to file an
Answer to Plaintiffs Complaint within twenty (20) days ofthe Court's Order.
WHEREFORE, Plaintiff respectfully requests that the Court overrule Defendant's Preliminary
Objections and direct the Defendant to file an Answer to Plaintiffs Complaint.
Respectfully submitted,
FEDERMAN AND PHELAN
Date:
glf//JD
, I
,
NOTICE OF RESCISSION
March II, 1999
To: Ameriquest Mortgage Company
Please take notice that the undersigned, Irene R, Vaughn; residing at 360 RUlU1ing Pump Road,
Newville, Pennsylvania 1724 I, hereby rescinds the loan and mortgage transaction which was
consummated on March 18, 1998, between Ameriquest Mortgage Company, the lender and Irene
R. Vaughn, the borrower, and which involved a loan of money (loan number 491 1806-5583) and
a mortgage taken on the property at 360 Running Pump Road, Hopewell Township, Cumberland
County, Pennsylvania. The grounds for rescission include violations of the Truth in Lending Act,
15 V.S.C. S 160 I et seq. and fraud.
Accordingly, demand is made upon you under the provisions of the Truth in Lending Act to
return to the undersigned all money and property and to take the necessary action to terminate the
aforementioned security interest. The undersigned, Irene R. Vaughn, shall not be responsible for
the return of any consideration tendered in this transaction because she was not the recipient of
any of the benefits of this transaction,
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Irene R. Vaughn
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josephine L. Burchfield
Attorney in Fact for Irene R. Vaughn
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EXHIBIT "I"
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VERIFICATION
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I verify that the statements made in the foregoing pleading are true and correct. I understand that false
statements herein are made subject to the penalties of 18 Pa, C.S. 4904, relating to unsworn falsification
to authorities.
G
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Irene R. Vaughn
q~.J
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osep 'ne Burchfield, Attorney-in-Fac
Irene R. Vaughn
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for
126 EAST KING STREET - SHIPPEN58URG. PA 17257.1397
WEIGLE. PERKINS & ASSOC1AT!::S - ATTORNEYS AT LAW -
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WIlCZI rcconlcd mail 10:
AMERIQUES! MORTGAGE COMPANY
P.O. BOX 11507
SANTA ANA.CA 9Z711
Ulan No. '911806-~513
MORTGAGE
THIS MORTGAGE ("Sc<uri'y I"""""",,') is al'ell OQ
IRENE R VAUGHN
MllItll
II. 1991
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('Borrower.). This Sc<uril)' 1llStlUlm1l b al.elllO
AMERIQUEST MORTGAGE COMPANY
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odoltou is 1100 TOWN A COUNTIlY RD.. STE. JlXl
ORANGE. CA 9216& (~. _......l.cooloI- dle plodpol_ 01
Ooc Homdnod T......, Fi"" Tbou>aDd aod 001100
Donm (Us, S 125.000.00 ).
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proc<Cl1he -"y 0I1Ilh SmIri,y ~: and Ie) tile pc::fom-. ,01_', -. _ ............. _ tlllI
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LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART IlEREOP
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lillllIlliiIi____kiariiIIlllllil"".... ""~""'---"I'_loI/riIoIIiIollib~i~lliIlilWll'~...J- ~ " "lIIiIlIiMMIi
-
~:,I k i~~-"'~' '~~'iL"c
TOGETHEJl wrrn 0I11b< ~mrnt._.'" IlnaIlcrmaaloa lIlr~.IIld.n ~. ..1Ild
PIN"" now '" h<n:aIIcr . pan 01 Ib< 1frnl><ltJ, AD "'I" . IIld addirloaa sIlaIl .... be _ .., dail Scaait)o
I""""""". AU .01 Ib< ~ is rtlomd 16 io d1i15ocw;IJ __ .lIlr "I'n>pmy.'
BORROWER COVl'NII.Io'TS lha Ilorrow<1 is bwfoD, ....... oIl1lr _1ImIly ~ IIld IIa lIlr riP. .. _.
J'''' snd conv.,. Ib< Propcny snd lhaIlh< Pmpmy is . ...d."""" lor ......t.t>. 01 _. .......... .......
snd will dcleN! ~\,\he ,i.k \0 \he Pmpmy....... >II el......1hd _.1lIbjcct 10 IO'f __4>._, 01_.
THIS SECURITY INSTRUMENT cnmbiO<l unilono CO'_ I"'........ ..., a>:Iooo.unil""" CIIV<IIGJ willa 1_
Vuill~ by jurisdic1ioa 'to c::onRttute:ll uniform 'IC'C'VritJ a.scr~ ~ real propctty.
CNIFORM COVENANTS, Bo"""" IIld l.cndcr _.... and ....... Iol.....:
1. PI""",. 01 PriDdpoJ and In''''''', Prcpo,.- ODd 1M< C1Iorp. Ilomtw<r sIlaIl pn>l1lXl, pay wl>co .... 11II:
princip2J of and intrreSt on the debt rvMknccd by tbt N<XC.wI m'.".......l......A md bile dl.arJcs due ao4er Ik Nocc.
2. fuuds ror Tua and Insura~. Subject 10 Ippl~ II.. or 10 I wrinm nivn bJ Lmdcr, Borro-rrcT thall p;ty 10
l.cndcr on lh< doy monthly p"ymcnu 1(< due uod" Ib< Nooc, _UIb< Note is paid ill lun. . ..... ("1'IInds.) lor: (iI ~y .....
IIld "l<ISmmu whicll may ,,\>in priori'y .." this Security 1m<nlmcm II II"" oa lh< I'n>pmy: (1)) ~, Ic8cboId paymcDlJ
M J"",nd (Cn.. on lh< I'ropeny, ;1 "": Ie) yearly "-'I at ~ ........,., pmnhanI: lei) ~y Rood --. pmnhanI.
if any: Ie) ymy mort"..c insunnct pmmumI. if any: .a en any turN payJbk by ~ 10 1..mckr. III IaXmSanc:e with
the provision! o( pan;nph S. in lieu o( the payment of mx1&1Ct iasunra pmniunw. 'Thew iIcrm ft alled *Eacrow IlcmI..
l..c:ndcT may. II my time. collect and hold Funds in III amouat DOl 10 na:cd lbc ma.dmum Ir1'DIDI I kadcr (or I (edcnll)'
n:1_ lt1:JnpJe 10m may <OqUin: I.r Borrow,,', """'" _ _ \he Icdmlllnl Eaa. ScltIc1rc1l _ Aa 01
1914 lIS omrndcd (rom 'ime \0 11m:, 12 U.S.C. Scttioo 2601 tI "'I. ("IlESPA .), anIcta --..... lIla 1ppI;., '" lk Funds
Jets a Icsser Jm3IUaI. If 10. l.endcT may. at my time. collect and bold F1dlds in 1ft armum DOlIG naoed Ihc taWf 1rMUJW.
Lmdcr rT13Y CSlinutc the .zmount o( Funds due on me basis of CUtmI:C da.a and I'aIOnIbIc nrimMct 01 npmdiNtCI u( future
EKrow 1te'l'nS or otherwise in accOt'dmcc Yo-ith applk.able Law.
~ Funds shall ~ held in 1tl i~ilUlion ..bow ('tpotiu an: insurtd by I fcdcnl 1JC"n'Y, insI~itJ. or aMity
(includin, l...mdcT. i( LtndcT is JUCh :an institutiop) or in _'I Feden.I H.7~ Loan 1Lmk. Lender-..,I appI, Ihc FUDd:llIO pay the
Uc:row It"",, l<ndcr may "'" chatJ' Bunow" 1M Iloldm& and appl,.v.. .... Funds, 1II>Il<al1y ....)'2i'" .... """'"' _. '"
verilyio, .... Escrow I....... ani", l<nd<t part Ilomtw<r ....... oa 11II: l'uods aad appliablc .... pmIliu Lemler 10 .... IUdl
. ehM,e, How",.., l<nd<t,may _ire Bunow".. POY I __ ca... lor. b..Icpcadcu .......... II< roponioa....ice
used by I..mlcr i. conncdioo willi thi, lnan. _ appliablc: .... provi<Ica 0Illenrb<. Ilalaa . "5'-" j. madl: or
'l'Pliobl' I.... n:quim ;1lI<n:sl '" be paid. l<nd<t sIaIl .... be _u.d 10 POY Ilomtw<r .., _ '" anliIIp oa die Funds,
BorT""''' IIld l<ndcr may Um: in wrilin.. howcv".lIla ....... sIlaIl be paid oa.... l'uods, l.aldcr _ p.... 1lorrow<1.
without dlu-sc. an mmW ~ntin, of me Fuads. Ib&:Jorbaa CRdiIs md debits 10 me faD:k _ Ibc parpcm for which each
debi"o the Funds "'IS madl:, '!be funcls "" plcdJcd IS ocIdit_ -, lor all _1OC1II'CII'" dMSecurity 1I1,"","ell!,
II the Funds held by l.cndcr..<<Cd the amounts pcrmirt<d 10 be bdd'" 'l'l'I-..... lndcr tbal1 _ ,ollorrow<1
In< the ,sen. FlInd. in aca>rdma: with die _immu .1 applicable law. II die __ 0( dlc Funds bdd by l<nd<t . ...,
lif1"lC' is not sufficiC'Ot 10 JnY the EscrOW' hems ....hc'n due. L.mckr mlIJ to nodfy Borrowct in WfII1nI, Ind. in IUdl CZJC' ~
sh.aJ1 P:llY 10 Lcndc1 the mnun1 ncct1W)' 10 make up lhc dd"tcic:Dq. Borrower tbaI1 fRIkc ...' 1ht dd'Kic1I:y in no ~ dun
IwelvC' mnnthJy payments. II LcndcT's !WIle dl.crt'llon.
Up"" p.I)'ITC1U in lull 01 ~I Ill"" ""'red by 1his Security ~ laldcr tbal1 prT."pdy ..- .. Ilomtw<r In)'
Fund, held by l.cndcr, II. under p"'.r>p/Ill. l.cndcr sIaIllaI'litt '" Id1 .... Pl!lpcny. laldcr, print 10 die ~;.it.... '" qJ,
nI .... ProperTy, shall apply lilY Funds held by l.cndcr . die 'im: 0/ acquisilioo '" Ilk II . aaln ..- Ib< ""'" ..cum! ..,
Ibis ScaJrilY 111StJ'U1T'1mt.
J, Appllcadoo 0( I'll,........ Un'", applicJbl< I... p""'idca~..n paymcllII-md'" laldcr _ panvaphs
I IIld llluJl be applied: firll. '" ..y P'"l"ymcllI charJa clue _11II: ~ _. .. -" poyable under par"""'" 2,
third. 10 1m"", due; lounh. '" principal clue: IDllasl. .. ray .... charJa clue _\he _,
4. Clwza: Umo. Bunow" dull pay 011 ...... _"''''. cMrsa. filll:l and in1>o<i'iora Il1ribuubl< '" "" Pmpmy
.hKh !NY aru.in prioril)' mCT Ihit. SC::curifY In.\(tumml. _ k-=hoId ptymeftU (tf' JfOlIftd n:nal.. if .,. Borrmm- tball pay
thne obIiprioas in the man!'C1 provtckd in p~ 2. t1t i( DOC paid in dlat maMCT. Borrowtr daal1 pry fhem on time: dirtctl)'
In 1M pd10fI owed prymcnl. BorroWc'l' lhall pmmp<<ly furnish to Lndt:r aU nodea o(:IIt11OUftU &0 be' paid undrr this pInlJn:ph.
rf Borrower rrW:n thc:1rc pa}"T'tY1\1$ diret.1Iy. Burrower shall ~Iy (\Irnish to ltnda rtaipb evic.kncin, lhc paymr:nu..
BorrowCT WlI pmmpdy diw.:h.uj;C' any lien ...hKh I\.as priority aver Ibis Sealrit)' ItUlrurnmt vnJcu 8nrrowcT: fa) IIn:cs In
wriling to the pa,.,.nma or t,h( nbliJ,Mion JeCUrcd by the Ikd in I manncT acecplahlc 10 Lmdcr. (b) conICsU in a:ood (aith the lien
by. Of ddmds Ipinsl mfMcmrnt or 1M Ben in. kJaI proceedin... which tn the LcndcT', opinion orcnte 10 ptn'mt lhe
m(orecrnnu o( the lim: or te) IeCUre1 (rom the holtkr of the 1ia1 an I~ s.ui.(a:toty 10 LcndcT subordiMIinllk lieu to
this SctIJrity IllJIrumcnt. If lcNl" dctmnilll:llh" ray part 01.... Pn>pmy I. IIIbjcd 10 . litn which may llIIIin priorhy ._
this SctIJri'y IllJIt\lmcnt. l<ndcr may ,iv< Bunow.. I notice Idcntllyin,the: lim. Borrower lIIAI utl,ry the: litn Of ,.. _ Of
more of the actillftS lei forth above within 10 d.J!'~ or the siYln, of Dalke.
~~~~ "ElIi
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c>'..aMI'AI,..,OIat .....41_ Z~ 1440
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5: /IaDnI << l'Topmy 1--., aon-., _ ..., dlC L....._.... """ 01"'"'1 << Ilm:oftcr ...mcol 011 dlC
1'ropcrty ~ 'C.... Iooa by fin:, ""'-"'b ioc;l..o..I ..111I.. !be lml\ ...- _....... IDd ..y ocher "-'Is. Ift<hoclb>1
nood, or nood"'J. 1<< . bO:ll Lm.Ic\' _irft ........,.. This ........... WlI be maloLsIncd In !be ......... ..s 1<< !be pcrIods
Ill.. Lcnd<t _ires, Th< """""'" carrier pnnldina dlC ilalnoce IIWI be _ by 110I"""", subj<a 10 !.coder', _,;
..hich sIull DOt be _y ..ilhbcl4, II Bonuwct laiIs 10 maiouI........... dcocribcd ..... Lcndct ...,. . Lcndct',
"l"ion. obWn _crace 10 pn><<ct Lcndct'. riihU in !be ~ in _ '- _ pan,""" 1,
All insunncc poliein ODd """",01, dI.aIl be o=plAtolt 10 Leader ao4 ...llodudc a IlIncbtd mon_ claIac. Lender
IIWI ",.. l!lc ri&h'1O bol4lhc policies and .......01.. I( Leader n:qulm, ~ IIWI prompdy live 10 Lcadcr 011 RSlripu 01
paid premiums and n:ncwaI OOC1cn. In the C'VcnI o( loa. 80rrvwcr sball ,lYe prompt DOCk:c 10 chc insurmcc cznitr and LmdCT.
lctIdcr may make prool 01 Ion il DOt ma4c p<omp<ly by ~,
Un.1C'S1 Lender and Bonowcr at:bcrwiw "m: in ...-miDc. insunncc pnx:ccds shall be tppIicd 10 J't"IlCf'airoa at rrpair o( ~
ProprNt)' cbrnaSed. I( the mtPntion or tq)air is ml'nOI1'IieaIly (caibk and la1dcr.. tccurilY i, ant k:ucncd, If me rnaonrion or
repair i, not cconorniaIly I...ibl. or lctIdcr', ",,,ril1 wouJd be 1aocncd,1bc Insunna: pro<<<dsllWl be applled 10 Ihc.....
secured by this S<<urity lnstl'lltl"l:nl. ....hcthct or not tbm 4uc, wt\!l ~, nccu paid. to Borrower. If 8orTOwct abrYJoM the
Propc'rly. or don not ansWCf within 30 Wi)', J MIke rrom Ltndcr m.. lbc _nra arritr hat ofJerallo teltle a e1 Jim, lhcn
l<ndcr may ",Ilea Ihc insunncc procml', Lender may "'" l!lc proacds 10 IqIIir or I'tIIOl'C the Propcrry 0( 10 pay .....
"""red by Illi, Security Instrument, .'hcth<f or not lllcn due, Th< JO.<by period will bql. w1lcn 1bc IIl1lIcc is liveD,
U.I... Lcndct on<! _er O<hcrwiIC ""'" i. writinl. *,y aoplialion of proacds 10 prindJ>alllWt IIl1l nI<nd oc
"""pone lhc due da. 01 lhc """'IIIly ".ymca.. rc:I<rmI1O in panarapba I and 2 OC dlJnac 1bc .,.... of 1bc paymcoIJ, I(
under psnJrapII21l!lc Property is acquiml by Lcnd<r. ~', ri,~IIO"y Insunna: policies and pnx=IJ "",Jltin, lrom
darN,e f , the Property prior &0 the acquisition shall pau. 10 1.cDdcr &0 ~ C1U'Dt oC me JWnI scam:d by dUs Securit, InscnrrncDI
imm~"U2tel)' prior' to dlrC acquisilkm.
6. Occupo.." "'-"'aUon, M........... oad .....cell.. 0( the I'ropcr1YI ... 0.'"'' Lou """'Ialloo:
Lcucbolds. Bo_ WlI ocxupy. ClUb""'. and use 1bc ~ II ~', prino:ipal rmdcrloc _in ,ixry days aIIer l!lc
ucculion o( this SecurilY fnSUUJTlC'n1 and shan cominue 10 occupy the Propcrry .. 80rr0wct', principal residcnc:r ror I( I~ one
ycu a(ta the date o( occupancy. unleu t...crllkt otl\('twiise ap'CIel in writin,. which COMc!lt thalt DOt be ~t,. widlhctd.
nt unlc=1s extcnuatinl cin:umstancc'S exist ..hich an:: beyond 80rr0wcT's control. Bronu,rm than DOl dcsr:n)y, cbtnalC' or i.r
the: Pl"OpCTly, 21law the Property to dc:terionu. Of cOfT'rnh waste on the Property. 8orrowcT shall be In ddaull i( any rorrriNre
Jdion or pl'OC<<din.. wbcther civil 01 criminal, is b(pD dulla Lmder', JOOd 'ahh judJII'CDI muM muh in rorlciNre or Ihe
Property or o1bcrwiIC rnacriollylmpair l!lc lien creoud by ohio Sccuriry ,..""""'" << Lcndct', -.rtty _, Ilom>w.r_
cure lU<h a 4claui1lDd rc:inJuI<. II provided i. pancnPb II. by -.in,1bc IOn oc pn>ceodint 10 be dilmlllal willi . nllinl
Ilur. in Lcndct', .ood lailll 4ctcrmi..lion. pnclu4cs lorf,;_ 01 the ~'........ It. the Propcrry or ocher'_criaI
impJ1mw:n1 or the lien m:::Iled by lhi, SceurilY Instrwncnc Of' 1.eadcr', ~7 'iD&creA. Borrower thall aI.o be in dd'aall if
Borrower. duri.l1bc loan applic.uion plOC<Sl. pve ....crially 101.. oc Iaoa:urar !al""""'ion OC IlaI<11laIlI to U:ndcr (llf failed
10 provide Lcndct with ..y muriol Inlormatlon) In _ion willllbc 1?0o nldcnccd by the NoIc. iodudin" 1M .... limiled
10. rcprctCllwions conccmi., Borro..er', ocxupancy 01 the Property II . prindpaI..._. II II';, Sccuriry '01",..".11I is 011 a
lC2SC'hold. BorrowCT' sJuJl comply Wilh all the providonl o( tM lease. I( Bnmrwcr acquira tee title 10 the Propc:ny, !he
l~hold and !.he fcc title sMlt Mt mercc: wdat t.endcT q,rul to the mcrscr ill writinf..
7. PrOCedloa ot J..mdcr', RI&hUi In tM Property. I( Borrower (aillto perlonn the (O'tC'D.IfI1I and Jlrmnenls,tonlJlincd in
litis SecurilY lru:uumcnr, or Ihcr~ is 2 Ic,al prnc.ccdios ttut may .iplirlQlttly .ffc:ct 1.m:SeT', ristltt in the' PmpeTty 'such as I
proceedinl in b;uU:Nptcy, p1obJlc. (or tOncktmarion or (orldtun: or to cn(Q1"C:e law; Of repIJltoru). then Lender may do and
p1)' (or ...halcvCT i. Ao:cuacy to prule-..1 the: wl1uc: u( the PTopmy and tm1cr.1L rizhtl in the Property. lmdcT', actions. mzy
include paying any JUms JeCUrcd hy a lien which has priorilY evrl' this Security InstJ'Ul1Y'l1I. apparin& in c:aun, payinl
rcasmuble anomey,' fces and CIllcrins on the PTopl:r1y 10 make replin. AlthnuJ,h l.cndCt'may take lCtion. uDder dli, pat'1Cnph
7, lender docs not have 10 do JO.
A.y amounu di,buncd by U:ndcr under Illi. PIlJI"l'h 7 WlI become additional debt of Bo"""", ICOIr<d by 1IIi,
Sm.rily I.strument, U.I... Borrower and l.cndcr 'I". 10 o1bcr ImnI of p,ymcnt. lhcsc IITlOIIIllI WlI beat lDlcral from the
,btt n( disburscrnmr at: 1M Note U:le and ,twl be payable. with intertst, upon notice 'rom LenckT ID 90nuwer n:queldtll
payment.
8. Mortptt lnmnnet:. If Lrndcr required roortP.sc lnsurance a& I condition or makins the loan ICCU.M by chi. Sec.vrity
Instrument. Borrower ,tull pay the premiums requimllo mainu.ln the mottPCe Insur"lDCe in df'ect. 1(, (or 6IJ'I reMOn. tM
morrple iOlU<1llC< ""'cule required by l.cndcr lopICSor _10 bo I. <If"". So"""CT WlI pay th< pmniu.. rcquir<d 10
obuin covc'Ule IUbsunlwly equlvalCtlt 10 t.hre monPle i~nncc p1'C'YiouIly In dTc:ct. . I aKt wbtlanriaJt)' equiv:alenl to me,
totI 10 _CT of \he """'I'S' 100u,-< prc:o<loutIy Itt eff"". I""" .. 01....... """'_ Ittauret _cd by lctlJcr. II
subslandally cqulvaJcnl mm1lale jn.J\lrance ctn'tTJ,e II Mf rvaUabl<<:. ~ IhaII p.,. 10 Under ed month . turn equllO
onc'I,.,eI11ll .1 Il1< ycarly Jml1g'ge imuflllC< premium being pilei by Ilonuwcr wbm lilt ma.nnr::e ClMnIf lapocd '" eaJCd 10
be i. .flcrt, l<ndcT ..ill a=pt, UlC and tcui. <hctc paymcny, If of """'PI' inNrsnce. ...... ......e
1 RECl L V
O~I'AJ~l~n _....1... i4III tw.'" ~ ,...:1021 140
. IM1440rMt oSZ7
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._"......' ~. -'~""'-lIl5llillUMh l~liliIi,IIj-)I~!3JhwslliiILUd_..""'....--<-,.i:iMP;,'"
paymenu may IlO I""J" be !<qUiml. . lbc: "",ion ~f lA:Ddcr. IC Illlll1J'IC ioour-.: COY<nJt (Ia lbc: _ ond lor dl< period
IIuI lcncIcT requim) """,ided by... insurn app...a! by lA:Ddcr OJ'" bccomcs IY1ibblc ond is ....-. I\anow<r tlWl poy
the pn:miums ~uircd 10 mainuia monJJ'C:"il\S\lt'2l'Kf: In dTca. or &0 provide lloIIl"CICt'VI:. uaaU the requin:mnl (or nmtAC'
insurance ends in ~.nth any ...rinm lr.m:nw:aI b."f'fIUI Bornnra _l...CDdC1 or appliable bw.
.. Imp<<tloa. U:adcT or iu. .a~ may make: f"C2Ioa.a!tIc C"IKJ'ia apoa JDd'. ioat or me f"ropertJ. lmdcr thall JM
Borrow~ notice Jl the (~of Of prior to an inspcaioa specifriat rcu.o~e '** (ot lbc inspcdioa..
10. Condcmnalloa. The proceeds or any award Of' cl= rot d.arnaaa. dircc! Of coatequcntbl, in ~ioa wiIb my
condemnadoa. or other ukins. of any part or lht Propmy. or for coaY'C')'1D:C lD lic1I o( con4t:rmaIion. ~ bmby aaipcd and
tlWl be paid 10 L.nckt,
In lbc: event of a ""al takinS of lbc: l'ropcT1y. lbc: pro<c<da shall be applied 10 lbc: ""'" omamI by llti. Scc-.1riry I...""""".
.'hc1h<t 0' IlOC then due. "jib ...y <>en' paid '0 Ilomro.r, .. dl< CYClll of I panUl taklnJ of lbc: I'ropcT1J ra woilidt lhc: fair
mark" .alue of lbc: l'ropcT1y inonaluldy bel"" lbc: IKiDlIa cquallO or _ dua dl< .,.... of lbc: .... _ by IIliI
Sccuriry lrutrummt irmal~d,! before the lakin,. unJca ~ md Lmdct ocherwiw 811ft ia wrilldl. cbt...... teeurat b)r
thi. SmImy In,,,UI'''''' shall be mluea! by lbc: ....... of lhc: pro<c<da ....llIplicd by lhc: folJm.oioJ flXlioo: (II lhc: IoIIl
amounl of dlc SWIll _ inonali.dy bef"" dlc taklnJ. di.ided by (b) dl< Calr markcl .alue of dlc I'ropcT1J inmcdiIIdy
bt:'orc lhr utioc. Aft)' balaar:::e trhall he raid 10 Borrower. la cbe c:'YeDt' or a partial Lltin. or Ibt Pn:tpcny ia -ila Ik 'ail
marlcct YaJuc o( lhc PTopeT1y b:rm:dillc:ly before 1M lakinc it leu cb.Ia me IIDJCIaI of the ..... tICCURd ilDncdiatd)' bdcn cbc
ukloS. llllI<SI Ilomtw<r and L<Ild<r _Ie IS'" in wri.... or __ "l'PI- ... adlawbc: pnMdcs. dl< 1"'- _
be zpplkd 10 the' sumllCCUred by Ibis StcunlY In'StNn1mt.1:lc1bcf or noI.:1ht IUmI ft Ibca M.
If"'" I'ropcT1Y is _ by So"",,'.,. or if. In., Ida by lcncIcT 10 IlomJwrr dullbc: ".4..... on... 10 rn:U<'"
lward or Kfll( 1 claim (ot lbmaJe'I. BrirrowCT f1illlO rc:spond lU t..a.kr widUD 30 d.ryt afIcr d'IC dalc d:Ic Mice is ,ivca
Lrnd.r i. authoriud 10 (011<<1 and apply lhc: procm1s. . iu "",loa. ridlcr 10 t<SlOt1rioo or !<pair ol dl< I'ropcT1J or 10 dlc ""'"
Kt'\Hld by this SmartlY InstNm:1lI. Wthc1hcr or DOt then due.
UnJcu LmdcT and BofTO"m' otherwise I,m: in .. rilina. lilY appIic:alioa. 0( pnx::ccds 10 princ;:p.I stull COlI ntmd or
poslpor.< "'" due cbl< of "'" rnoalhly Pllnw:nU n:fcmd 10 io ~ I ond 2 or c:I\qo dl<....... ol _ J>Il-.
11. B.... .....u Sol Rdawd; f~ratK'e 811...cndcr Not. Walycr'. Euensian of !be ~ Inr payment<< modif.c.ion
o( am:.tftiutioa. or the: W1T\l teQlrtd by mil Seturity tMtNlMtll snmcd by L.c:Mer fro 1If11UlX.'cStCX iD ta&aat at 8onowet thai,
no{ opcntc 10 releue !.be liabilily of the original BorrowCf or Bomtwrr', IUCCaIOR in intC'l"Clt. l.cDder shall DOl: be ~ircd &0
commmc.e procccdinp lllinst any IUCCC1SOt in irucrnr or reru,e to cxlC'ad lime (or paymmI or otbcT'wisre modify .-noni12lklft
of the SUrt'd S<<\U'tc! by this Security Instnunmt by rason o( InY demand made by the ori,uw 80mJwcr or Borrower's
succtROn in interest. Any (orbnrwe by l..:ndtf in C'lcrcisinC In)' ripl or remedy 1h&l1 noI be a waiver o( or pn::cludl: !he
C'J,cn:ise of any riJI1I or mncdy.
12. 5<x<ason and Molcm Bound: Join' and Sn<nl Uablllly: C......pl<l'S. The coYclIIl1II and 1s=ncntS or llIi.
SmltllY hUltul'T'Crl1 sh.a.Il bind and benefit 'the IVCCt'SIOn met ..Isn' of l..mdcr and fkJTT'O'W(t. subjcd to the provistons of
paragraph 17. Borrower', COVClW'lU and agrecm:nlS sbaJI bt joim and lCYCI'aI. Any Bom:wcr who c:o-siJnS this Security
fMturT'c1l bul don no( CJ.ccutc die NOIe: (1) is co-sisninllhil Security Instrument only 10 mor1lJCe. Crw and COIIYC)' that
BorTOWCT" intCTC't1 in the PropcnY I,lndCT !he IrnnI of this SeC'lIrily lR1u"menl: (b) iJ not pc'T'I(KWly obliptcd to pay the sums
l<<1lred by thi. SmIriry Inst.umall: and(.)IS=OdullA:Ddcrond...yo<b<r8orTowcrmay.sm: 10 atmd. _if}. forbear or
make any accornnxxlaions with rtptd lO the km1S or diu SetVriry Instrument or Ihe Note wilhoul duI fJorrowtr', cortJmt.
13. Loan Charsa. If lbc: 10111 "':ura! by thi. Sccwiry 1011111'""" i. I1Ibjc:ct 10 I IIW wbidl .... muinl.on 101I1 cb"l<S.
anr.I tulaw is OnaJly imcrprcted to thai lbc intm:st,or other 10m chlt'JCS collcc:tcd Dr to be collected in Q)flftCC(ion with the-
10111 a=d lbc: pmni.1<d limJu. thaI: (a) 111) _ 10111 clwJ< tlWl be mlllC'-d by lbc: amounl ........, 10 """'" lIl< dwJ<
10 .Ii< pmnilla!limi.: and (b) lilY I1Ima already CllII<Clcll from 80rT0wcr wbldt ex<<<da! pmnined limiu "jll b< rrllmdallO
Borrow.,. lcncIcT may dIoosc 10 malt, thi. refund by mlll<lns "'" prin<lpal ow<d w>d<t dl< Not< lit by matinS I dirm
p3)'mml 10 Borrow." IC I muod mlllC<l principal. "'" mlllCtion will be .n:>led II I panbl P.....,"~. ._ IIl1
P"'P'ym<n' clws< lIlIdcr lIl< N",o,
... Nalka. Any ","a 10 Sorrow., """,idal ror in Ibis SmIriry IIlSII1I1TItI1. shall be JiVcll by ckIiY<rin& it lit by mailin,
i. by r,n! dill mailll1ll<s. applicabl, law !<qUim 1lS< of _ method. The llOCice shall be dirmc:d 10 dl< I'ropcT1J Add_
0' ...y Il<h<r addn:as 80rT0w., cksiS"I<S by llOCa 10 lcncIcT, Any llIlIa 10 lcncIcT shall be SI..n by r,n! dill mail to
lcndC1'S ~dtelS Slated herein or any omer addn:u l...mder designatC'S by notice to Bo1'T'OWC't. Any ftC'IfKt provided (or in thit
SecurilY Instrumc-nl sh.a11 be d<<med 10 have been ,ivCD to 8orrown' or l..CDdcr when liven .. provided in Chis par;III"IPb.
15. Go,,",I.& Low: Snrl'lblll.y. Thi. SmIriry 1_ shall be JOYmal by fedml I.. aod dl< ... oldl<
ju,ildiclinn in wbkb dlc Prnperly i. Inc.md, In dl< CV<1II dullll1 proYIsion or dlUll: of Ibis Secnrity ......- or lbc: _
connictJ with appliablc law. auch conni=t shall MI atred 0Ibcr provisioot o( this Security Inrlt"llml:rlt or the Noc.e wbicb CIa be
,ivm e(rect without Iht conflicting provision. To this end lhc provisiona of chis Sa:uriIY Inscmmmt and thl: Note II"t dccbml
In be sacrablc.
16. Bomrwn-", Copy. Borrower stull be ,i"'eft onccoa(onnr:d cop)' ofthC' Nottand oflbis QY IV.
-
Q.....(I'AI...'o.O' _...__ J_ ........
.
IM1440"" 1928
1_ So. "11*'5513 -;;;;;;-:I02t MIl
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rr.
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:iIll1llil_,_&iiti!ilJlt~l'_"''''-"" J.d!!ll:lL~'i
11. Tnnsfcr 01'''' Pr.9crt,or a ~ ,...... Ia aorr-. I( 111 or ",.,,.. 0(.... "'-" or",., 11II.- io it
u snld Of lnnsrcmd lor it a bcftri"K~ intcTcsC in Borrower illDId Of c,..{mallDd Botrowcr is noI . IIIRInIl ~, wftDouI
Lender', prior wril1<ll _. l<ild<r ma~. _ iu "I"ioo. n:quin: _* paym<nl ill full of III ..... ...- b)' ...
Sealri., l/lSlnuncnt. Howner. this "I"ion WlI ... ... <><n:iocd b)' Lcodcr i( ....... II fI"lbibilal b)' _ .... .. O{.... <la.
or this Sc<:uriIY InstnImClll,
Ir Lcodcr......... this ......,.. Lcodcr WIlli.. _ ....... 0( aa:dmIioo. Tbo ....... WI! ,......w. a p<riod 01 DOC
\<sI thm JO d.1)'1 Il'On\ .... _ .... ...ico is ckll'<ftd '" IIlIiIed wi/lliQ _ _ ..- pay III ..... ...- b)' thh
Sealri., '/lSl""''''. II llomtw<t hill.. pay Ihn< _pr'tor ., .... nplnUoo of 1Ili. p<riod. l<ndcr ...,. invoke ",., n:mcdieI
pcrmiued b)' thi. Security IIUltlU1l<III withou. Ntthcr "'1<< or demond GO Ilorrowct.
II. Bomowcr'. Rl&hl I. RrimtaI.. If Bom>w<t __ ccrWlI cuocIitioal. _ WlI ..... .... riaJlt 10 .....
",Ion:<m:nt o( thit Sc<:uril' InstnImClll di""""i_ _ ",., lime prior to .... earlier 0(: (al 5 d.1yt (or oorn ocll<t p<riod ..
'f1l1ic:abk law may specify (or mftSUtCTnC'l'U) bdore uk o( lbC Propcrry pan:a.w 10 III)' po'WCf of uk coauitliN ill ldis
Security Instnarnc:tl:: or (b) Cf1U'1 of a judpnmt rnfomaclbil Senrity ~. Thorc condit.. n'" 80rr0wtr; (a) fIZY'
l-<Ddcr Ill_ _ite _ ,.".]d b< due: under this Security I""""""" ... .... _ .. il DO aa:dmIioa bad ....",..a: lbl
"',.. any dolaull 01 ",., otbcT "..",..." or 'Irmn<oU: (el prys III "'_ _ io mlon:m, dlis Snorily ....l1IIllCCIl.
includins. bu1 001 IUnited 10, rrason.abk MIOmCyS' fees: _ (d) takes. tudI xdoa _ ltDdcr may f'C:IM8IbIr require'1o asure
that the I~ o( this Scasrity lnstt'\lmt'fd, L.mder's ripu i:D me Prop:rry ad lIonvwcros obli,._ 10 ply ~ __ KCUmI by
thi. SealrilY I"""""",, WlI _i.... undun;<d. Upcoo n:i_w ..~.. b)' _. dlis 5<<ority 1_ ... ....
(lblica;o.'tS tcC'IIft:d bcn:try Qall n:nWn "...11)' dfcai..'C _ i( GO K:Edcraioa bad 0ClI::III'TCd. ~, "n ripe ~ ~ tN.l\
... 'I'!'ly ill.... """ 01 -.... under J'O"sraplll7.
19. Sol<: 01 Sol.. CIloDI< 01 Looa Son...... Tbo _ or a paniaI ....... ia .... _ (1<JS<dl<t _idllllis Security
'nsa:nun:m) may be 10Id ODe' Of ft'lOf'f lirnc1 .'ithuul prior DOtio: 10 tlorrow'I::. A uJ~ rn...,. result in J char.ec in Iht emit}' (bot.'1I
".... 'Loan Sm'iceT"l ilia o>Ilcas rronthly P>l- dut _.... _.... thll s.c.r;,y .""""""", 110m: aIIo...,.......
'" """' dun", 01 !be Loan Sm'icct Illltetaled '" a uk 01.... Nol..llthcn: iI aduna< o(tho Loan _.11oo,...... wi b<
li\'C'n .'rincn notic:c of lbc chanCe: in 1l.XOr'Wr~ ..;th pIJ<If;Dpb 104 ~ IDd appIK:lbk lIw. 1M 1X'lllia: .nlltlUk' Ihe AGT1C and
.s.Jtn~ 1)( &he IIC'W Lam $,n-\.io:r and the addrnl 10 1II'ba pI')'maItJ tbouJd b: 1naIX. Tbc nocia: ..oil also coauia ., PdJcr
jn(ormatton ~ircd b)" appltcablc bw.
10. Jt&z:a.rdoaI ~. Borrown stuJl not CIItIC' or rt"'l'Tftit w pmrc1ICC, IlK, disposal, tiIOt'1IIC'. or ~ of atJ'f
H.u4dnus Stlbsunc:a 00 01' in me Pmpmy. ~ tball ft.( do, heW' allow anyone die 10 do. m)1hiac alJcttin, the'
PropcnY WI is in viol.iort Df any Envi~ Law. The prc-:cw1in. two ICDCCDC:'a Ih&IIIkIC JppI, 10 me p:-ncDC(. ~. or
~orllC' 00 lM PropcT1,. or small qt1I"litics of HazardoUs Sublun.:.cs r.h.aI ft ,mmJly f'CQ)p'aizrd &0 be ~c to oormal
rcsidmtial uses anc110 rnainIcftanCc u( lhc Pmpcny.
llomtw<t WlI ~Iy P" Lcnclcr wrinCCl ...ico o( ",., _iplloo. claim. demond. _ or -. actioa b)' my
lov<'t1\lllC>1Ul or ...,.laory 1J""l' or priva.e party ...01-... ....1'n>p<tt1...my H_dous _ or Eo.h_...,lUl Uw
01 _hich 80"""".... acnaalltnm;led,.. Ir fIono,..,. 1camI. or II ...irlCd by my ,..Cl1lllkmlII or ~ ~, ilia
111'1 mroval or otbc1 mnedi.-.ion of.ltl'J tfl1..vdous Sub5unet IfrCClm11hc Propcny it nec:cssary, Borrower thtJI ~'1lakc
all necns.ary n:mr:dial actions ia accordM'lC( ...jlb Environmenul Law.
As uKd in this pan,nph 20, ~Hu.ardous SuhsUnca. 1ft lhosc substances dc(mo;Ias fade Of Iwxdoas IUhAIo.- by
Environmmul Law and dIt foIlO'~rin, subsunca: psolioc. Urnscne, oIha ftllmllblc or lOde pcIJ'DInan producu. lode
pc:$1M:idn and herbicides. yobtilc tolVC'11I1, maamals c:onuiain& 211best0l or foimaldcbydc, and radioactive' IJIIIcNll. As axd in
.his para,rap/l 20. .En_i""""""->l Uw. rncons Icclc:nI low> ... I.... 01 .... juriadiaioo ........ .... Propcny ill<<-ated duo
rC'l~lc 10 hcahh, wet1 Of e!Jvironmcnlll proteCIion.
NON-UNIFORM COVENANTS. BnfTOWcr and LCDdcr l'urthcT coYmm( and apu . (OI1OW1;
21. AttelerstlOft: RenMd1e&. Under shall aln DOtke ... .~ prior to ~..... r..no-t... a..... ___ "s bn::ach
of .n7 cowman. or IItI"'fC"Mm' In Ibis ~'maiI1 l_twnalII ~uI DOt pi<< t. ~ aDder ........ t7 ....
applicahl. Ia" proofda ..bmoU<l. ....ckrobaJl 001111 ......._ 01. __ ... lhUlp: (al .... cIof_: (1)1 t'" aclloa
r<quIrod to CUT' ,''' cIofaul'; lei .hOll Ih< cIofaaJl _ ... and: ..... (ell,.... r.n.... 10 ..... .... cIofnll OS ~tIed 1M)'
......, In a<<d<t1l'1oa 0( 1M IUIl1I I<<IIrld b)' Ibll _, "'nmmI. londoRft by JudIdII pi - _....... 01....
Propm,. I.."ckr obaJI lurl.....lnlonn 110<""".. of.... rtpl \0 ..........aII... tc<<knlloa......... rtpllo ....1. 1M
lorec....... proc<<dinl 1M _...I<tmce 01 a cIofaaJ' or ..,....... cIof_ 01 ~ \0 tc<<knlloa ..... r~. II
Ih< lIdaul'll IlOl eumI II ~fied. ....dcr. .,11a "1"100. 11IO' n:quI....-....-r- In IldI 01 aD _ .......... b)'
Ihit Securlt, '/lSlnmsml wilhout Iurl..... _ and OWl' londooe lblI Securlt1 1..._ b)' JadIdaI __III.
I...ckr ....11 he mulled to coli"" .11 "'_ Incurred 10 punaloc .... nm<dIeI pt'O"tdcd .. 'bIs panvapb 21.
Indud1rtt. but DO( limited 10, aUOl"M1l' rea .Dd C'O&I 01 duC' C'YkIeate to lhe alCDI: pcnnlttcd by .~ ....
22. Rd.... Upnn paymml 01 all..."" ICCUrcd b)' thil SocurilY loatnuncnt. thia Security 1_ ... .... ......
,,,,..eyed Wlll<m1inate mol become ,aid. Mid ouch oa:wrm<:<. Lcnclcr WlI diJduta< ... ..illy thi. Suurit11mtr1Ol1m1
"I BnrTll"'C'T. BnIlt11lo"CT diall pay any recordation, COIU. 1....cndcr INJ dw',c Borrowc:r I (~ (or rdcasm, this Sccunty
InslNrt"le1'Il. bur only if the fee is pOlid 10 a Ihird pmy lor ~icn rmdmd and the dutcinl or the fee is pmnincd wwkr
1f"Plk'ablc law.
13. W.lyn"l. BorTmll'C1, In me cllml pmnincd by applicable law, waives and ~eucs:at)' error m dcfa.u in prnccedinp
10 m(orrc Ihis 5<<urilY InJu\lmcnI. and hcrc'by w:irYC'i the brndi. o( any prnenI or tutut't IIWI provldinC ror 112}' o( CUCUlion,
:"IC'IUinn o(li~. ncmpdon rrom alUChlTl:'Tll, IcY)' and u1c, and bonrAc.ad ~ion.
U. Reinslalanmt Period. BolT'OW('l"s litnc' 10 rrinst.I&c provided ia panct;Iph 18 IhaJI ormd 10 one hour pr;r.r 10 me
~ of triddin, M a shcT'ifr, sale or other .. punu.anl1O Ibis Security lrtsuumcnt.
2.5. Pure.....:'.I....,. )Iortp... I! 111, 01.... dc:bt ICS:IIr<d b)' dill Securit, tmu-.m= iI..... to fIono,..,. '0 ocquin: Inle
'0 !be l'roprny. thi, Socuriry I.."'unem 11I111 b<. pun:l1acc - monPa<, () V
-
Looa No. ...11_$51] -;;;;;;-..,..,..
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u. _.... An.r J '. . IIomlwa "P"'"..... ...... fa pI7lIIIc _ a)oolpaa II __.. 1k1laoe
or 10 .. acdoa of IllOl1pSC ......:10.... obaII be ... ;. porobIc _ _ .. _ _ 1kIlaoe,
. ,
Z7, JlIdcn to ... -,. L..t. --"- II _ or __ rIoIcn ... ...- ..,. IIomlwa _ -*'I ......., willi dda
S<=ilyJ-...._aod... .olcadl_rloIo:roballbe..................____ ,,'
... "" " aod ... . ollllia SccoriIy b.lc. . I( _ rWcr(s) _ a .... Ill... SlarirJ L..
1Clla:t~~ '"':;~
~ h7-11idct
ibIloaa ItOi<t
VAllidct
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"'-ell UIlk ~. . .. tilb
__to..-.. llidct
0dla(J) I~I
~ 1-4 "-"'7 alder
......". ,..,..... -
---
BY SIGNING BELOW. Bonowcr _ aod "P"'" OJ... _ aod _ _Ia dda s-ilJ 1._--... aod
la ..,. ridot(.) .......w by Bonowcr aod ~ willi..
Wi~:
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.
J/ ~ ~ \f 0 J -:J11S-11l
IllENERVAlJGHN' .........
(Seal)
.........
(Scof)
.........
(ScaI)
.........
CmlIIaI< III It.. .
I. SJ!NJ g. ~f~
1ll<__M....,..b
, "" .......,. emir, .. dlc COITCQ addrcos of
Willll:ll my 1uod dliI
1100 TOWN .t COUNrRY RD.. STl!. JOO
ORANGE. CA 92S6&
I i'-" day of
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p<r1Oll _....,.' ~_"'_r~_____.....,..___... J.:,) ~:.....~
<=Wsllll< Am: tor Ill< porpoo:s bcrria -.ioed, //7.' /'"} ~J>
My IN WTI1'/ESS WHEREOF. I - ... Ill)' baod aod officW tal"./ /.V ~~ ' .....
- Soor
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COMM()!>oWEALTII or PE1<'SSYLVA.'i1A,
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All tlla. cenuo pnpenr 1A .1>0 rOlOISllU of .......11. ClXIIlt"t ot ~~~. 1:>4
O:'....O.1.IDL%1I ot tnuybu1la. "_1 t. D. .11.01.010'.110. 1Io1lll .... h11, uocrillH lJl
_ ...ocI n/22/H. &D4 _ariAg _ oM 1.... rocor4a At tl>o ~ .... 'uto _ torth
~. 10 lOOk 102. poqo 110..
1~uc14ifO /OIl .93!
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. . .
VRRTFTCATTON
Joshua B. Sears, Esquire hereby states that he is the attorney for the Plaintiff in this action,
th.at he is authorized to make this Verification, and that the statements made in the foregoing
Response to Preliminary Objections are true and correct to the best of his knowledge, information and
belief.
The undersigned understands that this statement herein is made subject to the penalties of 18
Pa.C.S. Sec. 4904 relating to unsworn falsification to authorities.
FEDERMAN AND PHELAN
DATE:
~ l~ (fV
By:
B. Sears, Esquire
Au ey for Plaintiff
Suite 900, Two Penn Center
Philadelphia, PA 19102
(215) 563-7000
'eJJ::,"fi/t
~,
.
r
IN THE COURT OF COMMON PLEAS
COUNTY OF CUMBERLAND
COMMONWEALTH OF PENNSYLVANIA
FEDERMAN AND PHELAN
By: FRANK FEDERMAN, ESQUIRE
IDENTIFICATION NO. 12248
TWO PENN CENTER PLAZA
SUITE 900
PHILADELPHIA, PA 19102
(215) 563-7000
Liquidation Properties, Inc.
Plaintiff,
No. 00-3227
v.
Irene R. Vaughn
Defendant
Mortgage Foreclosure
PRAECIPE TO DISCONTINUE FORECLOSURE ACTION
TO THE PROTHONOTARY:
Kindly mark the above captioned foreclosure action as discontinued without prejudice.
l()'rf~
Date
~~
Fr Federman, EsqUlre/Jbs
Attorney for Plaintiff