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MARK J, UDREN & ASSOCIATES
BY: Mark J, Udren, Esquire
ATTY I.D, NO. 04302
1040 N, KINGS HIGHWAY, SUITE 500
CHERRY HILL, NJ 08034
856-482-6900
ATTORNEY FOR PLAINTIFF
The Bank of New York, as
Trustee Under the Pooling and
Servicing Agreement Dated as
of February 28, 1997, Series
1997-A
One Old Country Road
Suite 375
Carle Place, NY 11514
Plaintiff
. COURT OF COMMON PLEAS
: CIVIL DIVISION
: Cwnberland County
v.
C. David Spealman
Louise A. Devaric
n/k/a Louise A. Spealman
158 Kline Road
Shippensburg, PA 17257
: NO. t)') - 35/'1
6;1
United States of
federal Building
228 Walnut Street
P.O. Box 11754
Harrisburg, PA
America
17108
Defendant(s)
COMPLAINT IN MORTGAGE FORECLOSURE
YOU HAVE BEEN SUED IN COURT. If you wish to defend against the
claims set forth in the following pages, you must take action
within twenty (20) days after this Complaint and Notice are served,
by entering a written appearance personally or by attorney and
filing in writing with the Court your defenses or objections to the
claims set forth against you. You are warned that if you fail to
do so the case may proceed without you and a judgment may be
entered against you by the Court without further notice for any
money claimed in the Complaint or for any other claim or relief
requested by the Plaintiff. You may lose money or property or
other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
LAWYERS REFERRAL SERVICE
Cwnberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013-3387
717-24!h3166
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AVISO
Le han demandado a usted en la corte. Si usted quiere defenderse
de estas demandas expuestas .en las paginas siguientes, usted tiene
veinte (20) dias de plazo al partir de la fec~a de la demanda y la
notificacion. Hacefalta ascentar una comparencia escrita 0 en
persona 0 con un abogado y entregar a la corte en forma escrita sus
defensas 0 sus objeciones alas demandas en contra de su persona.
Sea avisado que si usted no se dafiende, la corte tomara medidas y
puede continuar la demanda en contra suya sin previo aviso 0
notificacion. Ademas, la corte puede decidir a favor del
demandante y requiere que usted cumpla con todas las provisiones de
esta demanda. Usted puede perder dinero 0 sus propiedades u otros
derechos importantes para usted.
LLEVE ESTA DEMA!lDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO
o SI NO TIENE EL DlNERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN
PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE
ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUBDE CONSEGUIR
ASISTENCIA LEGAL,
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, P A 17013-3387
717-249-3166
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NOTICE
The amount of your debt is as stated in the attached document. The name of the creditor
to whom the debt is owed is as named in the attached document. Unless you notify us within
30 days after receipt ohhis Notice and the attached document that the validity of the stated
debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us
in writing of a dispute within the 30 day period, we will obtain verification of the debt or a
copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an
admission of liability on your part. Also, upon your written request within the 30 day period,
we will provide you with the name and address of the original creditor if different from the
current creditor.
If you notify us in writing within the 30 day period as stated above, we will cease coUection
of your debt, or any disputed portion of it, until we obtain the information that is required
and mail it to you. Once we have mailed to you the required information, we will then
continue the collection of your debt.
This law firm is deemed to be a debt collector and this Notice and the attached document is
an attempt to collect a debt, and any information obtained will be used for that purpose.
LAW OFFICES OF MARK J. UDREN
Is! Mark J. Udren, Esquire
1040 N. Kings Highway, Suite 500
Cherry Hill, NJ 08034
(856) 482-6900
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1. Plaintiff is the Corporation designated as such in the
caption on a preceding page. If Plaintiff is an assignee then it
is such by virtue of the following recorded assignments:
Assignor: TMS Mortgage Inc. dba The Money Store
Assignee: The Bank of New York
Recording Date: 12/13/99 Book: 633 Page: 310
2. Defendant (s), C. David Spealman and Louise A. Devaric
n/k/a Louise A. Spealman are the individual(s) designated as such
on the caption, whose last known address is as set forth in the
caption, and unless designated otherwise, are the real owner(s) and
mortgagor(s) of the premises being foreclosed.
Defendant, The
United States of America is a.Defendant by virtue of a judgment,
lien, or other interest in the mortgaged property. Evidence of the
USA's interest is attached hereto.
3. On or about the date appearing on the Mortgage
hereinafter described, at the instance and request of Defendant(s),
Plaintiff (or its predecessor, hereinafter called Plaintiff) loaned
to the Defendant (s) the sum appearing on said Mortgage,
which
Mortgage was executed and delivered to Plaintiff as security for
the indebtedness.
Said Mortgage is incorporated herein by
reference in accordance with Pa.R.C.P. 1019 (g).
The information regarding the Mortgage being foreclosed is as
follows:
MORTGAGED PREMISES: 158 Kline
MUNICIPALITY/TOWNSHIP/BOROUGH:
COUNTY: Cumberland
DATE EXECUTED: 11/22/96
DATE RECORDED: 11/27/96 BOOK: 1353
Road
Southampton Township
PAGE: 1070
The legal description of the mortgaged premises is attached hereto
and made part hereof.
4. Said Mortgage is in default because the required payments
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have not been made as set forth below, and by its terms, upon
breach and failure to cure said breach after notice, all sums
secured by said Mortgage, together with other charges authorized by
said Mortgage itemized below, shall be immediately due.
5. After demand, the Defendant (s) continues to fail or
refuses to comply with the terms of the Note as follows:
(a) by failing or refusing to pay the installments of
principal and interest when due in the amounts indicated
below;
(b) by failing or refusing to pay other charges, if any,
indicated below.
6. The following amounts are due on the said Mortgage as of
5/2/00:
Principal of debt due and unpaid
Interest at 12.00% from 3/1/99
to 5/2/00
(the per diem interest accruing on
this debt is $11.18 and that sum
should be added each day after
5/2/00)
$34,000.00
4,796.22
. Title Report
Court Costs (anticipated, excluding
Sheriff's Sale costs)
250.00
280.00
Escrow Overdraft/(Balance)
(The monthly escrow on this account
is $0.00 and that sum should
be added on the first of each
month after 5/2/00)
0.00
Late Charges
(monthly late charge of $35.81
should be added on the fifteenth of
each month after 5/2/00)
1,074.35
Other Fees
20.00
Attorneys Fees (anticipated and actual
to 5% of principal)
1.700.00
TOTAL
$42,120.57
7. The attorney's fee set forth above are in conformity with
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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 in accordance with the reduction provisions of
Act 6, if applicable.
8. Notice of Intention to Foreclose under Act 6 of 1974 of the
Commonweal th of Pennsylvania has been sent to each Defendant,
certified mail, in accordance with the requirements of that act,
and copy (s) are attached hereto as Exhibit "A" and made part
hereof.
The notice specified by the Pennsylvania Homeowner's
Emergency Mortgage Assistance Program, Act 91 of 1983, has not been
sent because the Mortgage over 24 months delinquent, and the notice
is therefore not required.
WHEREFORE, the Plaintiff demands judgment, in rem, against the
Defendant(s) herein in the sum of $42,120.57, plus interest, costs
and attorneys fees as more fully set forth in the Complaint, and
for foreclosure and sale of the Mortgaged premises.
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Mark J. Udren, ESQUIRE
MARK J. UDREN & ASSOCIATES
Attorney for Plaintiff
Attorney I,D. No. 04302
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ALL THAT Cl!lR!I!AJ:N LOT OF GROtlND SI!I!l1ATE IN SOtl'l!KAb!P'l!ON TOWNSHIP, CUMIlEIlLAND
COUNTY, PENNST.LVlINIA, !liIOllE FtlLLY BotINDED AND DESCRIBED AS FOLLOWS:
BEGINNING AT THE NORTHEllLY SIDE O&' LEGISLATIVE llOtl'l!E 21006 AT CORNER OF Ll\ND
OF J. W . KLINE l!ILEYBN'l'ARY SCHOOL; THENCl!l .!\LONG THE SAID SCHOOL Ll\ND NORTH
SEVENTY-SEVEN (17) DEGREES THIRTY (30) MINUTI!lS I!lAST TWO HllNDRED ELEVEN AND
ONE IltlNDREDTH (211.01)- FEET TO A STAKE; TIIl!:NCl!l BY OTHI!lR Ll\ND NOW OR &'Omll!lllLY
OF C. ROY FIlNK AND THI!lLMA B. FlJNK, NORTH THIRTY-ON!!: (31) Dl!lGllEES SIX (06)
MINUTES WEST TWO HtlNDlilED NINE AND FORTY-I!'OUR HtlNDREDTHS (209.44) FEET TO A
STAKE AND NORTHl!:AST COlV:lER OF LOT NO. 23; THENCE Br LOT NO. 23 SOtl'l!H FORTY-
NINE DEGllEES TEN (10) MINUTES THIRTY (30) SI!lCONDS IllEST TWO HtlNDRED TWO AND
NINETY-TWO Ilt1llDI\ZDTHS (202.92) FEET TO A S'l'AKI!l AT TIlE NORTllEllLY EDGE OF THE
SAID LEGISLATIVE 1lOtl'l!1!l; THI!lNCl!l .!\LONG THE NORTHl!:llLY EDGE 01' THE SAID
LEGISLATIVE ROtl'l!E SOUTH THIRTY-ONE (31) DEGREES SIlt (06) MINUTES EAST ON!!:
HtlNDRED SEVEN AND EIGH'r-FIVE HtlNDl\ZDTHS (107.85) I'I!:I!lT TO A STlIKl!:, Till!: I1LACE
01' BI!lG:DlNING. BEING LOT NO. 22 IN A PLAN 01' LOTS FOR C. ROY lMlNK, SURVEYED BY
D.P. RA&'FI!lNSPI!lRGI!lR, R.S., ~ 7,1963, AND DULY RI!lCORDED IN THI!l OI!'I!'ICI!l OF THI!l
lilECOIlDER OF DEEDS IN AND FOR ctDiIIll!:llLAND COllN'l!Y.
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LA W OFFICES
MARK J, UDREN & ASSOCIATES
1040 NORTH KINGS HIGHWAY
SUITE 500
CHERRY HIlL, NEW JERSEY 08034
856. 482 . 6900
FAX: 856. 482 . 1199
MARK J. UDREN"
STUART WINNEG..
GAYL SPIVAK ORLOFF"..
HEIDI II. SPIVAK*..
CHRISTOPHER J. FOp..
CORINA CANJZ'.'
.ADM/1'XED NJ, PA, ~L
..ADMI7TED PA
".ADMI7TBD NJ, PA
TlNAMARlE RICH
OFFICE ADMINlSTBATOR
PENNSYLVANIA OFFICE
24 NORTH MERION A VENUE
SUITE 240
BKYN,I<<WR, PA 19010
215-568-9500
215-568-1141 FAK
FREDDTE MAC
PENNSYl,V ANIA
DESlGNA TED COUNSEL
PLEASE RESPOND TO NEW JERSEY OFFICE
May 2, 2000
CERTIFIED MAIL
RETURN RECEIPT REQUESTED
ARTICLE #7099 3400 0001 4208 3299
C. DAVID SPEALMAN
158 Kline Road
Shippensburg, PA 17257
Re:
Servicer/Mortgagee:
The Bank of New York, as Trustee under
the Pooling & servicing Agreement, dated
as of February 28, 1997, Series 1997-A
C. David Spealman
Louise A. Devaric n/k/a Louise A. Spealman
81004921
158 Kline Road, Shippensburg, PA 17257
Mortgagor:
Loan No :;e_.c,
Premises:
NOT:J:CE OF DEFAULT AND :J:NTENT:J:ON TO TAKE ACT:J:ON
Dear Borrower(s) :
The Bank of New York, as Trustee under the pooling & Servicing
Agreement, dated as of February 28, 1997, Series 1997-A, is the
holder or servicer of your Promissory Note and Mortgage on the
above premises (the "Premises") securing the Note. You are in
default of certain obligations under these documents as follows:
You have failed to make monthly payments in the amount of
$358.10 for April, 1999 through May, 2000.
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Page Two
Failure to cure the default as specified may result in
acceleration of the sums secured by your Mortgage, foreclosure by
judicial proceedings and sale of the Premises.
You can avoid the above actions by making payment to us of
$6,107.75, which includes all accrued late charges, costs, and
attorney's fees incurred to date. You may cures this default within
(30) days of the date of this letter, by paying to us the above
amount of $6,107.75, plus any additional monthly payments and late
charges which may fall due during this period.
If your mortgage so provides, you have the right to reinstate
after acceleration and the right to assert in the foreclosure
, proceedings the non-existence of a default or any other defense to
acceleration and foreclosure.
,Only if your Mortgage so provides, notwithstanding
acceleration of the sums secured by the Mortgage, you shall have
the right to have any proceedings begun by us to enforce the
Mortgage discontinued anytime prior to at least one hour prior to
the commencement of bidding at a Sheriff's sale or other sale
pursuant to the Mortgage, if you comply with its requirements
allowing such reinstatement.
You may cure your default by making payment of the amounts
indicated above to us at the address on the letterhead.
I urge you to contact the undersigned promptly upon receipt of
this letter.
V~S.
M1!.f'K J. tJDREN, ESQUIRE
~/ath
ccl: First Class Mail
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NOTICE
The amount of your debt is as stated in the attached document. The name of the creditor
to whom the debt is owed is as named in the attached document. Unless you notify us within
30 days after receipt of this Notice and the attached document that the validity of the stated
debt, or any portion ofit, is disputed, we will assume that the debt is valid. If you do notify us
in writing of a dispute within the 30 day period, we will obtain verification of the debt or a
, copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an
admission of liability on your part. Also, upon your written request within the 30 day period,
we will provide you with the name and address of the original creditor if different from the
current creditor.
If yon notify us in writing within the 30 day period as stated above, we will cease collection
of your debt, or any disputed portion of it, until we obtain the information that is required
and mail it to you. Once we have mailed to you the required information, we will then
continue the collectioD"ofyour debt.
This law firm is deemed to be a debt collector and this Notice and the attached document is
an attempt to collect a debt, and any information obtained will be used for that purpose.
LAW OFFICES OF MARK J. UDREN
Is! Mark J. Udren, Esquire
1040 N. Kings Highway, Suite 500
Cherry Hill, NJ 08034
(856) 482-6900
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LA W OFFICES
MARK J. UDREN & ASSOCIATES
1040 NORTH KINGS HIGHWAY
SUITE 500
CHERRY HILL, NEW JERSEY 08034
856. 482 . 6900
FAX: 856.482.1199
MARK J. UDREN"
STUART WlNNEG""
GAYL SPIVAK OBLOFF*""
HEIDI R. SPIVJIK""
CHRISTOPHER J. FOX"""
CORINA. CANlZ"""
.ADMITTED NJ, PA, FL
..ADM117'BD PA
...ADMITTED NJ, PA
TINA. MARIE RICH
OFFICEADMlNlS't/lATOR
FREDDIE MAC
PENNSYEVANIA
DE.WGNA TED COUNSEl.
PENNSYLVANIA. OFFICE
14 NORTH MERION A. VENUE
SUITE 24Q
BRYN AlA. WR, PA. 19010
215-568-9500
215-568-1141 FAX
PLEASE RESPOND TO NEW JERSEY OFFICE
May 2, 2000
CERTIFIED MAIL
RETURN RECEIPT REQUESTED
ARTICLE #7099 3400 0001 4208 3229
LOUISE A. DEVARIC SPEALMAN a/k/a LOUISE A. SPEALMAN
158 Kline Road
Shippensburg, PA 17257
Re:
Servicer/Mortgagee:
The Bank of New York, as Trustee under
the Pooling & Servicing Agreement, dated
as of February 28, 1997, Series 1997-A
C. David Spealman
Louise A. Devaric n/k/a Louise A. Spealman
81004921
158 Kline Road, Shippensburg, PA 17257
Mortgagor:
Loan No.:
Premises:
NOTICE OF DEFAULT AND INTENTION TO TAlCE ACTION
Dear Borrower(s) :
The Bank of New York, as Trustee under the Pooling & Servicing
Agreement, dated as of February 28, 1997, Series 1997-A, is the
holder or servicer of your Promissory Note and Mortgage on the
above premises (the "Premises") securing the Note. You are in
default of certain obligations under these documents as follows:
You have failed to make monthly payments in the amount of
$358.10 for April, 1999 through May, 2000.
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Page Two
Failure to cure the default as specified may result in
acceleration of the sums secured by your Mortgage, foreclosure by
judicial proceedings and sale of the Premises.
You can avoid the above actions by making payment to us of
$6,107.75, which includes all accrued late charges, costs, and
attorney's fees incurred to date. You may cures this default within
(30) days of the date of this letter, by paying to us the above
amount of $6,107.75, plus any additional monthly payments and late
charges which may fall due during this period.
If your mortgage so provides, you have the right to reinstate
after acceleration and the right to assert in the foreclosure
, proceedings the non-existence of a default or any other defense to
acceleration and foreclosure.
Only if your Mortgage so provides, notwithstanding
acceleration of the 'sums secured by the Mortgage, you shall have
the right to have any proceedings begun by us to enforce the
Mortgage discontinued anytime prior to at least one hour prior to
the commencement of bidding at a ,Sheriff's sale or other sale
pursuant to the Mortgage, if you comply with its requirements
allowing such reinstatement.
You may cure your default by making payment of the amounts
indicated above to us at the address on the letterhead.
I urge you to contact the undersigned promptly upon receipt of
this letter.
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Very truly yours,
MAR J. UDREN, ESQUIRE
MJUl'ath
cc: First Class Mail
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NOTICE
The amount of your debt is as stated in the attached document. The name of the creditor
to whom the debt is owed is as named in the attached document. Unless you notify us within
30 days after receipt of this Notice and the attached document that the validity of the stated
debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us
in writing of a dispute within the 30 day period, we will obtain verification of the debt or a
, copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an
admission of liability on your part. Also, upon your written request within the 30 day period,
we will provide you with the name and address of the original creditor if different from the
current creditor.
If you notify us in writing within the 30 day period as stated above, we will cease collection
of your debt, or any disputed portion of it, until we obtain the information that is required
and mail it to you. Once we have mailed to you the required information, we will then
continue the collecti(m~ofyour debt.
This law firm is deemed to be a debt collector and this Notice and the attached document is
an attempt to collect a debt, and any information obtained will be used for that purpose.
LAW OFFICES OF MARK J. UDREN
/s/ Mark J. Udren, Esquire
1040 N. Kings Highway, Suite 500
Cherry Hill, NJ 08034
(856) 482-6900
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V E R I FIe A T ION
Mark J. Udren, Esquire, hereby states that he is the attorney
for the Plaintiff, a corporation unless designated otherwise; that
he is authorized to take this Verification and does so because of
the exigencies regarding this matter, and because Plaintiff must
verify much of the information through agents, and because he has
personal knowledge of some of the facts averred in the foregoing
pleading; and that the statements made in the foregoing pleading
are true and correct to the best of his knowledge, information and
belief and the source of his information is public records and
reports of Plaintiff's agents. The undersigned understands that
this statement herein is made subject to the penalties of 18
Pa.C.S. Section 4904 relating to unsworn falsification to
authorities.
uri/
Mark J. Udren, ESQUIRE
MARK J. UDREN & ASSOCIATES
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MARK J. UDREN & ASSOCIATES
BY: Mark J. Odren, Esquire
ATTY I.D. NO. 04302
1040 N. KINGS HIGHWAY, SOITE 500
CHERRY HILL, NJ 08034
856-482-6900
ATTORNEY FOR PLAINTIFF
The Bank of New York, as
Trustee Under the Pooling
and Servicing Agreement Dated
as of February 28, 1997,
Series 1997-A
One Old Country Road
Suite 375
Carle Place, NY 11514
Plaintiff
COURT OF COMMON PLEAS
CIVIL DIVISION
Cumberland County
NO. 00-3519 Civil
v.
C. David Spealman
Louise A. Devaric n/k/a Louise
A. spealman
158 Kline Road
Shippensburg, PA 17257
Defendant(s)
PRAECIPE TO REINSTATE COMPLAINT
TO THE PROTHONOTARY:
Kindly reinstate the Complaint on the above-captioned matter.
DATE: July 6, 2000
MARK J. UDREN & ASSOCIATES
C 4'Y\
Mark J. Udren, ESQUIRE
ATTORNEY FOR PLAINTIFF
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SHERIFR'S RETURN - NOT FOUND
CASE NO: 2000-03519 P
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
BANK OF NEW YORK THE ETC
VS
SPEALMAN C DAVID 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
SPEALMAN DAVID C
but was
unable to locate Him in his bailiwick. He therefore returns the
COMPLAINT - MORT FORE
NOTICE
, NOT FOUND , as to
the within named DEFENDANT
, SPEALMAN DAVID C
DEFT MOVED TO 2936 FILLMORE DR., CHAMBERS BURG ,
PA 17201.
Sheriff's Costs:
Docketing
Service
Not found Return
Surcharge
18.00
12.40
5.00
10.00
.00
45.40
~~
.. Thomas Kline
Sheriff of Cumberland County
MARK J. UDREN
06/28/2000
Sworn and subscribed to before me
this /9 t!:: day Of~
';U<,;{) A . D .
C~ () 'h.,II,./ Aupi.
Pro onotary I
. ~
'<1110"'
SHERIFF'S RETURN - NOT FOUND
CASE NO: 2000-03519 P
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
BANK OF NEW YORK THE ETC
VS
SPEALMAN C DAVID 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
DEVARIC LOUISE A N/K/A
SPEALMAN LOUISE A
but was
unable to locate Her in his bailiwick. He therefore returns the
COMPLAINT - MORT FORE
NOTI CE
, NOT FOUND , as to
the within named DEFENDANT
, DEVARIC LOUISE A N/K/A
SPEALMAN LOUISE A
DEFT MOVED TO 2936 FILLMORE DR., CHAMBERS BURG ,
PAl7201.
Sheriff's Costs:
Docketing
Service
Not Found,Return
Surcharge
6.00
.00
5.00
10.00
.00
21.00
~~/
" ~ '
R. Thomas Kline
Sheriff of Cumberland County
MARK J. UDREN
06/28/2000
Sworn and subscribed to before me
It.'~ rf/l
this 7 day of~
02117;0 A.D.
~ t? /;ld/~. / J1 tf
P 0 honotary
~~
,.-, ~~
~"";[
SHERIFF'S RETURN - OUT OF COUNTY
CASE NO: 2000-03519 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
BANK OF NEW YORK THE ETC
VS
SPEALMAN C DAVID ET AL
R. Thomas Kline
, Sheriff or Deputy Sheriff who being
duly sworn according to law, says, that he made a diligent search and
and inquiry for the within named DEFENDANT
, to wit:
UNITED STATES OF AMERICA
ATTN: DAVID BARASCH
but was unable to locate Them
in his bailiwick. He therefore
deputized the sheriff of DAUPHIN
County, Pennsylvania, to
serve the within COMPLAINT - MORT FORE
On June
28th , 2000 , this office was in receipt of the
attached return from DAUPHIN
Sheriff's Costs:
Docketing
Out of County
Surcharge
Dauphin Co.
6.00
9.00
10.00
25.50
.00
50.50
06/28/2000
MARK J. UDREN
S~~
R. Thomas Kline
Sheriff of Cumberland County
Sworn and subscribed to before me
this }1 g- day OfQ.P'i
.20-r0 A.D.
~ D. huii., ~
ProthonotaTY
,.1
- ~~",",~
"mil
@iiite of"t4~ ~4~:riff
William T. Tully
Solicitor
Ralph G, McAllister
Chief Deputy
Mary Jane Snyder
Real Estate Deputy
Michael W, Rinehart
Assistant Chief Deputy
Dauphin County
Harrisburg, Pennsylvania 17101
ph: (717) 255-2660 fax: (717) 255-2889
Jack Lotwick
Sheriff
Commonwealth of Pennsylvania
BANK OF NEW YORK
vs
County of Dauphin
UNITED STATES OF AMERICA
Sheriff's Return
No. 1355-T - -2000
OTHER COUNTY NO. 20-3519
A1~D NOW: June 21, 2000
at 9:50AM served the within
NOTICE & COMPLAINT IN CIVIL ACTION
~
upon
UNITED STATES OF AMERICA
ATTN: DAVID M BARASCH
to NAOMI ZIMMERMAN, LEGAL SECRETARY
by personally handing
1 true attested copy (ies)
of the original
NOTICE & COMPLAINT IN CIVIL ACTION
and making known
to him/her the contents thereof at FEDERAL BUILDING
228 WALNUT ST
HBG, PA 17108-0000
~'t. ~awwJ
PROTHON01;'ARY
So Answers,
.JI!~
Sworn and subscribed to
before me this 21ST day of JUNE, 2000
Sheriff of Dauphin County, Pa.
';0
\,'~' /::>-_ /)1)
..,,~,--~~
· B"Y Deputy She f '
,;'"
'iSheriff's Costs: $25.50 PD 06/15/2000
RCPT NO 137985
RH/RM
T,
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Serve:
In The Court of Common Pleas of Cumberland County, Pennsylvania
The Bank of New York
VS.
C. David Spealman, et. al.
United States of America, Xi 20-3519 Civil
Attn: David Barasch, U.S. Attorn2y
Now,
6/12/00
,20 to (j , I, SHERIFF OF CUMBERLAND COUNTY, P A, do
hereby deputize the Sheriffof
Dauphin
County to execute this Writ, this
deputation being made at the request and risk oft~~ ~.tf
Sheriff of Cumberland County, P A
Affidavit of Service
Now,
,20_, at
0' clock
M, served the
within
upon
at
by handing to
a
copy ofthe original
and made lmown to
the contents thereof.
So answers,
Sheriff of
County, PA
20
'-
COSTS
SERVICE
MILEAGE
AFFIDAVIT
*
$
Sworn and subscribed before
me this _ day of
$
,,~.-
~ ~ ~
-
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-
MARK J. O'DREN & ASSOCIATES
BY: Mark J. Udren, Esquire
ATTY I.D. NO. 04302
1040 N. KINGS HIGHWAY, SUITE 500
CHERRY HILL, NJ 08034
856-482-6900'
'J1J
,-.-.~ jllilid?~
ATTORNEY FOR PLAINTIFF
The Bank of New York, as
.Trustee Under the Pooling and
Servicing Agreement Dated as
of February 28, 1997, Series
1997-A
One Old Country Road
Suite 375
Carle Place, NY 11514
Plaintiff
: COURT OF COMMON PLEAS
: CIVIL DIVISION
: Cwnberland County
v.
...
C. David Spealman
Louise A. Devaric
n/k/a Louise A. Spealman
158 Kline Road
Shippensburg, PA 17257
:NO. tlJ- 357f
United States of America
Federal Building
228 Walnut Street
P.O. Box 11754
Harrisburg, PA 17108
Defendant(s)
COMPLAINT IN MORTGAGE FORECLOSURE
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YOU HAVE BEEN SUED IN COURT. If you wish to defend against the
claims set forth in the following pages, you must take action
within twenty (20) days after this Complaint and Notice are served,
by entering a written, appearance personally or by attorney and
filing in writing with the Court your defenses or objections to the
claims set forth against you. You are warned that if you fail to
do so the case may proceed without you and a judgment may be
entered against you by the Court without further notice for any
money claimed, in the Complaint or for any other claim or relief
requested by the Plaintiff. You may lose money or property or
other rights important to you.
YOU SHOULD TAItE 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 WltERE YOU CAN GET LEGAL HELP.
LAWYERS REFERRAL SERVICE
Cwnberland County Bar Association
2 Liberty Avenue
Carlisle, FA 17013-3387
717-249-3166
~@~W
%(JOIC(1S'S
"_I. ' _
",~k..
I"
,
.'Irlllli!il;[:~,
.
MARX J. UDREN 50 ASSOCIATES
BY: Mark J. Udren, Esquire
ATTY I.D. NO. 04302
1040 N. KINGS HIGHWAY, SUITE 500
CHERRY HILL, NJ 08034
856-482-6900
WE HERESV CERTIFY THE
WITHIN TO BE TRUE AND
CORR~CT COpy OF THE ORIGINAL
ll"t'l'OtuiTEY FOR PLAINT I
The Bank of New York, as
'Trustee Under the Pooling and
Servicing Agreement Dated as
of February 28, 1997, Series
1997-A
One Old Country Road
Suite 375
Carle Place, NY 11514
Plaintiff
-
. COURT OF COMMON PLEAS
: CIVIL DIVISION
: Cwnberland County
v.
C. David Spealman
Louise A. Devaric : NO.
n/k/a Louise A. Spealman
158 Kline Road
Shippensburg, PA 17257
Unit~d States of America
Federal Building
228 Walnut Street
P.O. Box 11754
Harrisburg, PA 17108
Defendant(s)
COMPLAINT IN MORTGAGE FORECLOSURE
YOU HAVE BEEN SUED IN COURT. If you wish to defend against the
claims set forth in the following pages, you must take action
within twenty (20) days after this Complaint and Notice are served,
by entering 'a written appearance personally or by attorney and
filing in writing with the Court your defenses or objections to the
claims set forth against you. You are warned that if you fail to
do so the case may proceed without you and a judgment may be
entered against you by the Court without further notice for any
money claimed in the Complaint or for any other claim or relief
requested by the Plaintiff. You may lose money or property or
other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CAImOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
LAWYERS REFERRAL SERVICE
CUmberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013-3387
717-249-3166
;-1
1<
,
AVISO
Le han demandado a usted en la corte. Si usted quiere defenderse
de estas demandas expuestas ,en las paginas siguientes, usted tiene
veinte (20) dias de plazo al partir de la fec~a de la demanda y la
notificacion. Race falta ascentar una comparencia escrita 0 en
persona 0 con un abogado y entregar a la corte en forma escrita sus
defensas 0 sus objeciones alas demandas en contra de su persona.
Sea avisado que si usted no se dafiende, la corte tomara medidas y
puede continuar la demanda en contra suya sin previo aviso 0
notificacion. Ademas, la corte puede decidir a favor del
demandante y requiere que usted cumpla con todas las provisiones de
esta demanda. usted puede perder dinero 0 sus propiedades u otros
derechos importantes para usted.
LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. SI NO TIEllE ABOGADO
o SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVJ:C:i:O, VAYA EN
PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DlRECCION SE
ENCUENTRA ESCRITA ABAJO PARA AVERIGUAll DONDE SE PUEDE CONSEGUIR
ASISTENCtA LEGAL.
Cumberland County 'Bar Association
2 Liberty Avenue
Carlisle, P A 17013-3387
717-249-3166
,
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NOTICE
The amount of your debt is as stated in the attached document. The name of the creditor
to whom the debt is owed is as named in the attached document. Unless you notify us within
30 days after receipt of this Notice and the attached document that the validity of the stated
debt, or any portion of it, is disputed, we will assume that the debt is valid. H you do notify us
in writing of a dispute within the 30 day period, we will obtain verification of the debt or a
copy of a judgment against you, and mail it to you. H you do not dispute the debt, it is not an
admission of liability on your part. Also, upon your written request within the 30 day period,
we will provide you with the name and address of the original creditor if different from the
,
current creditor.
.
Hyou notify us in writing within the 30 day period as stated above, we will cease collection
of your debt, or any disputed portion of it, until we obtain the information that is required
and mall it to. you. Once we have mailed to you the required information, we will then
continue the collection of your debt.
This law firm is deemed to be a debt collector and this Notice and the attached document is
an attempt to coll~ct a debt, and any information obtained will be used for that purpose.
LAW OFFICES OF MARKJ. UDREN
/s/ Mark J. Udrelll, Esquire
1040 N. Kings Highway, Suite 500
Cherry Hill, NJ 08034
(856) 482-6900
UII_'
: i .._.
.~~- -
.
-
l_~L
1. Plaintiff is the Corporation designated as such in the
caption on a preceding page. If Plaintiff is an assignee then it
is such by virtue of the following recorded assignments:
Assignor: TMS Mortgage Inc. dba The Money Store
Assignee: The Bank of New York
Recording Date: 12/13/99 Book: 633 Page: 310
2. Defendant(s), C. David Spealman and Louise A. Devaric
n/k/a Louise A. Spealman are the individual(s) designated as such
on the caption, whose last known address is as set forth in the
caption, and un1ess, designated otherwise, are the real owner(s) and
mortgagor (s) of the premises
United States of America is a,
being foreclosed.
Defendant, The
Defendant by virtue of a judgment,
lien, or other interest in the mortgaged property. Evidence of the
USA's interest is attached hereto.
3. On or about the date appearing on the Mortgage
hereinafter described, at the instance and request of Defendant(s),
Plaintiff (or its predecessor, hereinafter called plaintiff) loaned
to the Defendant (s) the sum appearing on said Mortgage,
which
Mortgage was executed and delivered to Plaintiff as security for
the indebtedness.
Said Mortgage is incorporated herein by
reference in accordance with Pa.R.C.P. 1019 (g).
The information regarding the Mortgage, being foreclosed is as
follows:
MORTGAGED PREMISES: 158 Kline
MUNICIPALITY/TOWNSHIP/BOROUGH:
COUNTY: Cumberland
DATE EXECUTED: 11/22/96
DATE RECORDED: 11/27/96 BOOK: 1353
Road
Southampton Township
PAGE: 1070
The legal description of the mortgaged premises is attached hereto
and made part hereof.
4. Said Mortgage is in default because the required payments
-" ~ ........
~=~
.~ _k ~WI!IillII.'ilIiilIll!Ni
have not been made as set forth below, and by its terms, upon
breach and failure to cure said breach after notice, all sums
secured by said Mortgage, together with other charges authorized by
said Mortgage itemized below, shall be immediately due.
5, After demand, the Defendant (s) continues to fail Or
refuses to comply with the terms of the Note as follows:
(a) by failing or refusing to pay the installments of
principal and interest when due in the amounts indicated
below;
(b) by failing or refusing to pay other charges, if any,
indicated below.
6. The following amounts are due on the said Mortgage as of
5/2/00:
Principal of debt due and unpaid
Interest at 12.00% from 3/1/99
to 5/2/00
(the per diem interest accruing on
this debt is $11.18 and that sum
should be added each day after
5/2/00)
$34,000.00
4,796.22
Title Report
Court Costs (anticipated, excluding
Sheriff's Sale costs)
250.00
_280.00
Escrow Overdraft/(Balance)
(The monthly escrow on this account
is $0.00 and that sum should
be 'added on the first of each
month after 5/2/00)
0.00
Late, Charges
(monthly late charge of $35.81
should be added on the fifteenth of
each month after 5/2/00)
1,074.35
Other Fees
Attorneys Fees (anticipated and actual
to 5% of principal)
20.00
] 700 00
TOTAL
$42,120.57
7. The attorney's fee set forth above are in conformity with
"
~ ~ .~.. 0
I ~ "
'- .<"
~,
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 in accordance with the reduction provisions of
~ct 6, if applicable.
8. Notice of Intention to Foreclose under Act 6 of 1974 of the
Conunonwealth of Pennsylvania has been sent to each Defendant,
certified mail, in accordance with the requirements of that act,
and copy(s) are attached hereto as Exhibit "A" and made part
hereof.
The notice specified by the Pennsylvania Homeowner's
Emergency Mortgage Assistance Program, Act 91 of 1983, has not been
sent because the Mortgage over 24 months delinquent, and the notice
\
is therefore not required.
WHEREFORE, the Plaintiff demands judgment, in rem, against the
Defendant(s) herein in the sum of $42,120.57, plus interest, costs
and attorneys fees as more fully set forth in the Complaint, and
for foreclosure and sale of the Mortgaged premises.
\.nV
Mark J. Udren, ESQUIRE
MARK J. UDREN & ASSOCIATES
Attorney for Plaintiff
Attorney I,D. No. 04302
].' ~ 'u ~ ~
-~.- liJ",,"~.1 ~1<I.d<Iiilhlli-i,
ALL !l'HM! CEI\!l!AIN La!l' Oli' GROmm SZ!l'UA!l'B :IN SOll!l'll>>IP.l'ON !l'OIVNSHZP, CI""".......'WI)
COtlN'l'l!.', ~SY.[,VANJ:A, IllDllII li'llIoLY BOlJNDl!lD AND DZSCRIBBD AS i'OI.I.awS:
BIllGZNNJ:NG A!l' !l'III!l NOR!l'IIE1lLY 5mB 01' LEGULA!I!:tVI!l ll.Oll'rB 2J.00& A!l' CO_ 01' LlINtl
01' J.W. JaoDlEl ~ SCHOOIo; !l!HDCl!: AIoONG !l!1lE SAm SCHOOL LlINtl IIOR!I!H
s~-SZVBN (77) DBGllUS THZRT1!' (3D) MINU'US !!lAST !I!WO HllIi1DUD lW!:WN AND
ONB HtlNDUD!l'H (2J.J.. OJ.) Ii'EI!lT 'I!O A STAKB: !I!IIBNCl!: BY O!l'lll!lR IoaND IitCiIf OR 1'0ma:1lLY
01' C. ROY I!'ll:lIK AND THI!:IoMl\, B. 1'U1Ilt, NOR!I!H THZRTY-ONB (3J.) ~BS S:cr: (0&)
Mn1U'1'ES 'IIl!\ST !I!WO IltINDUD NDlZ AND 1'0RTY-fOUR HllIi1DllEDTHS (209.44) Ii'EI!lW 'I!O A
SWAICB AND IIOR!l'IlEl\ST CORNER 01' IoOT NO. 23: THBNCE BY IoOW NO. 23 SOIlTll i'ORTY-
NINE DE_S Tm (10) mNt1'J!ES THZRTY (30) SECONDS 'IIl!\S!I! 'rIfO HllIi1DUD 'rIfO AND
NINl!lT1!'-'rIfO ItTJm)UI)THS (202;92) nET TO A STAKB AW THENOR!l'_Y EDGII 01' !l!ll1I
SAJ:D IoBGZSI.AT:tVI!l aouwz: TIIBNCZ AIoONG !l'III!l NORTIIB1lI.Y IIDGI!l or !l!HII SAm
LEGIs.I.lW:tVI!l ROIl'l'B SOIlTIl !l'HZRTY-ONB (3J.) DEGlIBIIS SD (06) MINUD.S lU,ST ONB
HllIi1DRlCD SBVb AND BIGHT-I':tVI!l IIlmI)IU!lI)'1'HS (101.85) lI'l!lBT WO A SiDKl!l, TIlE PJ:.l\CE
, 01' BBGINNINGI. BIllING 1.0'1' NO. 22 IN A n.AN 01' LO!l'S i'OR C. ROY lI'tlIIlK, SIlKYl!lYBD BY
D.P. RAlI'li'ZNSPBRGD, R.S., MAY 1, 1963, AND Du:L1!' UCOBDBD IN WIIB OllTZeE 01' !l'1IB
1Il!:COBDD 01' DEEDS :IN AND I'OR c:mmzllLANIl COUlIl'l!Y.
,-'
.~
^-~
; L_. ~-';I
-:
.
LAW OFFICES
MARK J. UDREN & ASSOCIATES
1040 NORTH KINGS HIGHWAY
SUITE 500
CHERRY HILL, NEW JERSEY 08034
856. 482 . 6900
FAX: 856. 482 . 1199
MARK J. UDJJENO
STUART WINNEG..
GAYL SPIVAK OIlLOFF"*
HEIDI R. $P/VAKO"
CBRlSTOPIIER J. FOXO..
CORlNA~
.ADMIfTED MI. PA, F.l.
"ADMI7TIlIJ, PA
-ADMrITBD NJ. PA
T.INA MAlllE BlCB
0FFlCB JlDMJNlSl'lIATOR
PENNSYLVANIA OFFICE
:u NORTH MERION AVENUE
SUITE :uo
BRYN MA WR, PA 19010
n5-S6B-95fJO
ZI5-568-II41 FAX
FREDDIE MAC
PENN.fOY1.VANTA
DESlGNA TRD COlJNSEl.
PLEASE RESPOND TO NEW JERSEY OFFICE
May 2, 2000
CERTIFIED MAIL
RETURN RECEIPT REQUESTED
ARTICLE #7099 3400 0001 4208 3299
C. DAVID SPEALMAN
158 Kline Road
Shippensburg, PA 17257
Re:
serv~cer/Mortgagee:
The Bank of New York, as Trustee under
the Pooling & Servicing Agreement, dated
as of February 28, 1997, Series 1997-A '
C. David Spealman
Louise A. Devaric n/k/a Louise A. Spealman
81004921
158 Kline Road, Shippensburg, PA 17257
Mortg~gor.:
Loan No::
Premises:
HOTiCE OF DEFAULT AND :J:J\lTEN'I'iOH TO TIUI'll! ACTiOH
Dear Borrower(s):
The Bank of New York, as Trustee under the Pooling & servicing
Agreement, dated as of February 28, 1997, Series 1997-A, is the
holder or servicer of your Promissory Note and Mortgage on the
above premises (the "Premises") securing the Note. You are in
default of certain obligations under these documents as follows:
You have failed to make monthly payments in the amount of
$358.10 for April, 1999 through May, 2000.
~u~lrlilBIT A
,l ".~"i:li;tG
-
-~r'..:1
Page Two
Fail~re to cure the default as specified may result in
acceleration of the, sums secured by yo~r Mortgage, foreclosure by
judicial proceedings and sale of the Premises.
You can avoid the above actions by making payment to us of
$6,107.75, which incl~des all accrued late charges, costs, and
at.torney's fees incurred to date. Yo~ may cures this default within
(30) days of the date of this letter, by paying to us the above
amount of $6,107.75, plus any additional monthly payments and late
charges which may fall due during this period.
If your mortgage so provides, you have the right to reinstate
after acceleration and the right to assert in the foreclosure
, proceedings the non-existence .of a default or any other defense to
acceleration and foreclosure.
,Only if your Mortgage so provides, notwithstanding
acceleration of the sums secured by the Mortgage, you shall have
the right to have any proceeding.s begun by us to enforce the
Mortgage discontinued anytime prior to at least one hour prior to
the commencement of bidding at a Sheriff I s sale or other sale
purs~ant to the Mortgage, if you comply with its requirements
allowing s~ch reinstatement.
You may cure your default by making payment of the amounts
indicated 'above to us at the address on the letterhead.
I ~rge yo~ to contact the undersigned promptly upon receipt of
this letter.
VSIiPS'
MARK J . COREN, ESQUIRE
I; ,
~/ath
eel: First Class Mail
c'
c'
, "
,
-" ~'lIi:lt.'
NOTICE
Tbeamount of your debt is as stated in the attached document. The name of the creditor
to whom the d~bt is owed is as named in the attached document. Unless you notify us within
30 days after r~eipt of this Notice and the attached document that the validity of the stated
debt, or any portion of it, is disputed, we will assume that the debt is valid. Hyou do notify us
in writing of a; dispute within the 30 day period, we will obtain verification of the debt or a
, copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an
admission of liability on your part. Also, upon your written request within the 30 day period,
we will provide ,you with the name and address of the original creditor if different from the
current creditor.
If you notify us in writing within the 30 day period as stated above, we will cease collection
of your debt, or any disputed portion of it, until we obtain the information that is required
and mail it to you. Once we have mailed to you the required information, we will then
continue the collecticnofyour debt.
This law fmn is deemed to be a debt collector and this Notice and the attached document is
an attempt to collect a debt, and any information obtained will be used for that purpose.
LAW OFFICES OF MARK J. UDREN
Is! Mark J. Udren, Esquire
1040 N. Kings Highway; Suite 500
Cherry Hill, NJ 08034
(856) 482-6900
7099 3400 0001 4208
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I
LAW OFFICES
MARK J. UDREN & ASSOCIATES
1040 NORTH KINGS HIGHWAY
SUITE 500
CHERRY HlIL, NEW JERSEY 08034
856. 482 . 6900
FAX: 856.482 .1199
MARK J. UDIlEN"
STUART WIfolNEG..
GAYl. SPIVA!< QRLOFJ700.
HEIDI R. Sl'1;YAK""
CHRISTOPHER:I. FOp..
CORINA CANlZ...
*ADMI7TED fiIJ, :;A, 111..
"ADM11TED,PA.
-ADMI7TE/1 NJ..r!-
TINA MARlE.KiCH
OFFICB ADMINIS1'1lAJ'OR
FREDDIE MAC
PENNSnVANIA
DE.<;IGNATED COUNSEL
PENNSYLVANIA OFFICE
24 NORTH MERlON AVENUE
SUITB :uo
BRYN MAWR, PA 19010
215-56&-9500
215-56&-1141 FAX
PLEASE RESPOND TO NEW JERSEY OFFICE
May 2, 2000
CERTIFIEJ;l MAIL
RETURN RECEIPT REQUESTED
ARTICLE #7099 3400 0001 4208 3229
LOUISE A. DEVARIC SPEALMAN a/k/a LOUISE A. SPEALMAN
158 Kline Road
Shippensburg, PA 17257
Re:
Servicer/Mortgagee:
The Bank of New York, as Trustee under
the Pooling & Servicing Agreement, dated
as of February 28, 1997, Series 1997-A
C. David Spealman
Louise A. Devaric n/k/a Louise A. Spealman
81004921
158 Kline Road, Shippensburg, PA 17257
Mortgagor:
Loan No.:
Premises:
ROT~CE OF DEFAULT AND ~HTERT~OR TO T~Y. ACT~OR
Dear Borrower(s) :
The Bank of New York, as Trustee under the Pooling & Servicing
Agreement, dated as of February 28, 1997, Series 1997-A, is the
holder or servicer of your Promissory Note and Mortgage on the
above premises (the "premises") securing the Note. You are in
default of certain obligations under these documents as follows:
You have failed to make monthly payments in the amount of
$358.10 for April, 1999 through May, 2000.
I,i..~~" ~~.
-,~-
~l
" "'~ ~ _,ll...<i-s:',
Page Two
Failure to cure the default as specified may result in
acceleration of the sums secured by your Mortgage, foreclosure by
judicial proceedings and sale of the Premises.
You can avoid the above actions by making payment to us of
$6,107.75, which includes all accrued late charges, costs, and
attorney's fees incurred to date. You may cures this default within
(30) days of the date of this letter, by paying to us the above
amount of $6,107.75, plus any additional monthly payments and late
charges which may fall due during this period.
If your mortgage so provides, you have the right to reinstate
after acceleration and the right to assert in the foreclosure
I proceedings the non-existence of a default or any other defense to
acceleration and foreclosure.
Only if your Mortgage' so provides. notwithstanding'
acceleration of the 'sums secured by the Mortgage, you shall have
the right to have any proceedings begun by us to enforce the
Mortgage discontinued anytime prior to at least one hour prior to
the commencement of bidding at a .Sheriff' s sale or other sale
pursuant 'to the Mortgage, if you comply with its requirements
allowing such reinstatement.
You may cure your default by making payment of the amounts
indicated above to us at the address on the letterhead.
I urge you to contact the undersigned promptly upon receipt of
this letter.
Very truly y~urs,
J. UDREN, ESQUIRE
lath
. cc: First Class Mail
,J.~.~",~_.~
" ,
'"'!If)
NOTICE
The amount of your debt is as stated in the attached document The name of the creditor
to whom the debt is owed is as named in the attached document. Unless you notify us within
30 days after receipt of this Notice and the attached document that the validity of the stated
debt, or any portion of it, is disputed, we will assume that the debt is valid. Hyou do notify us
in writing of a dispute within the 30 day period, we will obtain verification of the debt or a
, copy of a judgment against you, and mail it to you. Hyou do not dispute the debt, it is not an
admission of liability on your part Also, upon your written request within the 30 day period,
,
we will provide you with the name and address of the original creditor if different from the
current creditor.
If you notify us in writing within the 30 day period as stated above, we will cease collection
of your debt, or any disputed portion of it, until we obtain the information that is required
and mail it to you. Once we have mailed to you the required information, we will then
continue the collection of your debt
. This law firm is deemed to be a debt collector and this Notice and the attached document is
an attempt to collect a debt, and any information obtained will be used for that purpose.
LAW OFFICES OF MARK J. UDREN
Is! Mark J. Udren, Esquire
1040 N. Kings Highway, Suite 500
Cherry Hill, NJ 08034
(856) 482-6900
oil" ~ -"lOf' ~
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V E R I FIe A T ION
Mark J. Udren, Esquire, hereby states that he is the attorney
for the plaintiff, a corporation unless designated otherwise; that
he is authorized to take this Verification and does so because of
the exigencies regarding this matter, and because Plaintiff must
verify much of the information through agents, and because he has
personal knowledge of some of the facts averred in the foregoing
pleading; and that the statements made in the foregoing pleading
are true and correct to the best of his knowledge, information and
belief and the source of his information is public records and
reports of Plaintiff's agents. The undersigned understands that
this statement herein is made subject to the penalties of 18
Pa.C.S. Section 4904 relating to unsworn falsification to
authorities.
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Mark J. Udren, ESQUIRE
MARK J. UDREN & ASSOCIATES
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WE HEREBY CERTIFY THE \y
WITHIN TO BE TRUE AND /
CORRECT COpy OF THE ORIGINAL
ATTORNEY FOR PLAINTIFF
MARK J. ODREN &: ASSOCIATES
BY: Hark J. Udren, Esquire
ATTY I.D. NO. 04302
1040 N. KINGS HIGHWAY, SUITE 500
CHERRY HILL, NJ 08034
856-482-6900
The Bank of New York, as
:Trustee Under the POOling and
Servicing Agreement Dated as
of February 28, 1997, Series
1997-A
One Old Country Road
Suite 375
Carle Place, NY 11514
Plaintiff
-
: COURT OF COMMON PLEAS
: CIVIL DIVISION
: Cumberland County
v.
C. David Spealman
Louise A. Devaric
n/k/a Louise A. Spealman
, \
158 Kline Road
Shippensburg, PA 17257
: NO. dmnJ - 35/9
,
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United States of America
Federal Building
228 Walnut Street
P.O. BO:ll: 11754
Harrisburg, PA 17108
Defendant(s)
COMPLAINT IN MORTGAGE FORECLOSURE
YOU HAVE BEEN SUED IN COURT. If you wish to defend against the
claims set forth in the following pages, you must take action
within twenty (20) days after this Complaint and Notice are served,
by entering 'a written appearance personally or by attorney and
filing in writing with the Court your defenses or objections to the
claims set forth against you. You are warned that if you fail to
do so the case may proceed without you and a judgment may be
entered against you by the Court without further notice for any
money claimed in the Complaint or for any other claim or relief
requested by the Plaintiff. You may lose money or property or
other rights important to you.
YOU SHOtJI,D 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.
TRUI Ci()pV FMOM' ~~WYERS REFERRAL SERVICE
III T~ wfl8mo1, I here utrJlM ,.,. liIilrl and C,ounty Bar Association
)).10 of t fc.." " ' . "IDJ , 2 L1berty Avenue
r.' "do ,,y Carll<::z"!- ~)Carlisle, PA 17013-3387
. '. .' lJ" (/ 717-249-3166
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AVISO
Le han demandado a usted en la corte. si usted guiere defenderse
de estas demandas expuestas ,en las paginas siguientes, usted tiene
veinte (20) dias de plazo al partir de la fec~a de la demanda y la
notificacion. Race falta ascentar una comparencia escrita 0 en
persona 0 con un abogado y entregar a la corte en forma escrita sus
defensas 0 sus objeciones alas demandas en contra de su persona.
Sea avisado que si usted no se dafiende, la corte tomara medidas y
puede continuar la demanda en contra suya sin previo aviso 0
notificacion. Ademas, la corte puede decidir a favor del
demandante y requiere que usted cumpla con todas las provisiones de
esta demanda. Usted puede perder dineroo sus propiedades u otros
derechos importantes para usted.
LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO
o SJ: NO TJ:ENE EL DJ:NERO SUFJ:CIENTE DE PAGAR TAL SERVJ:CJ:O, VAYA EN
PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE
ENCtJENTRA ESCRITA ABAJO PARA AVERIGtJAR DOHDE SE PtJEDE CONSEGOIR
ASISTENCtA LEGAL.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, P A 17013-3387
717-249-3166
,~ ~~~
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NOTICE
The amount of your debt is as stated in the attached document. The name of the creditor
to whom the debt is owed is as named in the attached document Unless you notify us within
30 days after receipt of this Notice and the attached document that the validity of the stated
debt, or any portion of it, is disputed, we will assume that the debt is valid. Hyou do notify us
in writing of a dispute within the 30 day period, we will obtain verification of the debt or a
copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an
admission, of liability on your part. Also, upon your written request within the 30 day period,
we will provide you with the name and address of the original creditor if different from the
, ,
current creditor.
If you notify us in writing within the 30 day period as stated above, we will cease collection
of your debt, or any disputed portion of it, until we obtain the information that is required .
and mail it to. you. Once we have mailed to you the required information, we will then
continue the collection of your debt
This law firm is deemed to be a debt collector and this Notice and the attached document is
an attempt to colll,lct a debt, and any information obtained will be used for that purpose.
LAW OFFICES OF MARK J. UDREN
Isl Mark J. Udren, Esquire
1040 N. Kings Highway, Suite 500
Cherry Hill, NJ 08034
(856) 482-6900
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1. Plaintiff is the Corporation designated as such in the
caption on a preceding page. If Plaintiff is an assignee then it
is such by virtue of the following recorded assignments:
Assignor: TMS Mortgage Inc. dba The Money Store
Assignee: The Bank of New York
Recording Date: 12/13/99 Book: 633 Page: 310
2. Defendant (s), C. David Spealman and Louise A. Devaric
n/k/a Louise A. Spealman are the individual(s) designated as such
on the caption, whose, last known address is as set forth in the
caption, and unless designated otherwise, are the real owner(s) and
mortgagor(s) of the premises being foreclosed.
Defendant, The
United States of America is a,Defendant by virtue of a judgment,
lien, or other interest in the mortgaged property. Evidence of the
USA's interest is attached hereto.
3. On or about the date appearing on the Mortgage
hereinafter described, at the instance and request of Defendant(s),
Plaintiff (or its predecessor, hereinafter called Plaintiff) loaned
to the Defendant (s) the sum appearing on said Mortgage,
which
Mortgage was executed and delivered to Plaintiff as security for
the indebtedness.
Said Mortgage is incorporated herein by
reference in accordance with Pa.R.C.P. 1019 (g).
The information regarding the Mortgage, being foreclosed is as
follows:
MORTGAGED PREMISES: 158 Kline
MUNICIPALITY/TOWNSHIP/BOROUGH:
COUNTY: Cumberland
DATE EXECUTED: 11/22/96
DATE RECORDED: 11/27/96 BOOK: 1353
Road
Southampton Township
PAGE: 1070
The legal description of the mortgaged premises is attached hereto
and made part hereof.
4. Said Mortgage is in default because the required payments
:' ~
~~~
have not been made as set forth below, and by its terms, upon
breach and failure to cure said breach after notice, all sums
below;
(b) by failing or refusing to pay other charges, if any,
indicated below.
6. The following amounts are due on the said Mortgage as of
5/2/00:
Principal of debt due and unpaid
Interest at 12.00% from 3/1/99
to 5/2/00
(the per diem interest accruing on
this debt is $11.18 and that sum
should be added each day after
5/2/00)
$34,000.00
4,796.22
, Title Report
Court Costs (anticipated, excluding
Sheriff's Sale costs)
Escrow Overdraft/(Balance)
(The monthly escrow on this account
is $0.00 and that sum should
be 'added on the first of each
month after 5/2/00)
250.00
.280.00
0.00
Late. Charges
(monthly late charge of $35.81
should be added on the fifteenth of
each month after 5/2/00)
1,074.35
Other Fees
Attorneys Fees (anticipated and actual
to 5% of principal)
20.00
1 700 00
TOTAL
$42,120.57
7. The attorney's fee set forth above are in conformity with
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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 in accordance with the reduction provisions of
Act 6, if applicable.
8. Notice of Intention to Foreclose under Act 6 of 1974 of the
Conunonweal th of Pennsylvania has been sent to each Defendant,
certified mail, in accordance with the requirements of that act,
and copy(s) are attached hereto as Exhibit "A" and made part
hereof.
The notice specified by the Pennsylvania Homeowner I s
Emergency Mortgage Assistance Program, Act 91 of 1983, has not been
sent because the Mortgage over 24 months delinquent, and the notice
\
is therefore not required.
WHEREFORE, the Plaintiff demands judgment, in rem, against the
Defendant(s) herein in the sum of $42,120.57, plus interest, costs
and attorneys fees as more fully set forth in the Complaint, and
for foreclosure and sale of the Mortgaged premises.
'-fL/
Mark J. Udren, ESQUIRE
MARK J. UDREN & ASSOCIATES
Attorney for Plaintiff
Attorney I,D. No. 04302
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JILL THA~ CI!l1I!I!UN I.o~ 011' G!llllINIl SJ:!I!lIA~Z :IN SOtl'J!IW<<P.l!ON ~OWIiISHJ:P, CllMBl!lllIdoml
c:otJNn, PZmTSn.VlUttA, IlID1U! Il'tJ:LLY BotlNDl!lD JINIl DZSCRJ:BI!lI) AS Il'OLt.OWS:
BZGJ:NNJ:NG U ~IIZ lJOR!I!IIZRLY SJ:IlI!. 011' :r.I!:GJ:SLA~J:Vl!I llOtI'rZ 21006 U CO_ 011' :r.lIml
011' J. W. laoJ:Nl!l m.~ sexOOI.; ~1IZNCl!l J\I.ONG ~IIZ SAJ:I) SCIIOO:r. :r.lIml NOM!H
SI!:VBN'n'-SZVEN (77) DZGRBI!:S ~HJ:R'J1Y (30) KDlU'rBS ZAS~ !I!NO HtlImEU!lIl l!:LI!:VZN AND
01lZ IlURIl1lZIl~H (2U. 01) I!'ZZ~ !I!O A S'rAIQ\: ~1IBNCl!l BY OTIIZR :r.lIml NOW OR 1I'01lMZ1l:r.Y
Oli' C. BOY li'\INIt JINIl ~H_ B. li'\INIt, NOR!I!II TIIJ:Rn-om!: (31) IlBG1IZl!:S SJ:X (06)
KDlU'rBS 'IlZS~ !l'IfO 1ItINIlEU!lIl NJ:Nl!. JINIl 1i'0R!I!r-lI'otlR HtlImRBIl!l!HS (209.44) I!'ZZ~ !I!O A
S'rAIQ\ JINIl NORTHEA.t~ COIlllZ1l 011' :r.0~ NO. 23 ; 'l!.IIBNC1!l BY :r.0~ NO. 23 SOll'l!H 1I'0Rn-
NJ:NI!l DZGRBI!:S ~m (10) IlIJ:NIl'l!ZS !I!IIJ:Rn (30) SECONDS WEST !l'IfO HllNIllIEIl !l'IfO AND
NJ:NI!l'J1Y-!l'IfO IlURIl1lZIl~HS (202. 92) I!'ZZ~ !I!O A S'rAIQ\ U ~1Il!I 1if0R!l!IIl!IB:r.Y EIlGZ 011' TIIZ
SlIJ:I) :r.EGJ:S:r.l\!I!J:Vl!I IlOll'l!Z; ~HmCl!l J\I.ONG !I!IIZ NoaTHBB:r.Y l!.IlGE OIl' ~HI!l SAJ:I)
:r.EGJ:SLA~J:Vl!I llOlITZ SOUTH ~HJ::al'r-Om: (31) DZGRBI!:S SJ:X (06) IlIJ:Ntl'J!l!:S ZAS~ om!:
HtlImEU!lIl SZVZN JINIl ZJ:GHT-II'J:Vl!I HtlImEU!lIlTHS (101. B5) Il'EZlI1 1I10 A S'rAIQ\, lI1HZ I!:LACZ
OIl' BZGDTdmG. BZJ:1ilG :r.OT NO. 22 J:N A PLAN 011' :r.Oll1S II'OR C. ROY 1l'tlNK, SUKYZYZIl BY
D.P. IIAIl'Il'Z!ilSPZRGZa, :a.S" IIG.Y 1, 1963, AND DI.T.LY RZCOIlDl!.Il :m !I!IIZ ORJ:CZ OI'!I!IIl!:
RZC01lIlE!l Oli' DZEIlS :IN AND li'o:a c:m.m1!l1lId\NIl CClllN'J1Y.
i,
,
I
LAW OFFICES
MARK J. UDREN & ASSOCIATES
1040 NORTH KINGS HIGHWAY
SUITE 500
CHERRY HHL, NEW JERSEY 08034
856. 482 . 6900
FAX: 856. 482 . 1199
MARK J. UDIIEN"
STUART WlNNEG..
GAn SPIVAK ORLOFF*""
HEIDlR. SPlVAP*
CHRISTOPHER J. FOX".
COBlNA CAN/Z-
.ADMI7TED NJ, PA, n.
"ADMl7TED PA
-ADMI77'BD NJ, PA
TINA MAJUERICH
OFFICE ADMINlSl'BATOR
FREDDIE MAC
PENNSYLVANTA
DESTGNA TED CDrlN,4;ET.
PENNSYLVANIA OFFICE
24 NORrII MERION AVENUE
SUITE 24(J
BRYN MAWR, PA 19010
%15-568-95fJO
%15-568-1141 FAX
PLEASE RESPOND TO NEW JERSEY OFFICE
May 2, 2000
CERTIFIED MAIL
RETURN RECEIPT REQUESTED
ARTICLE #7099 3400 0001 4208 3299
C. DAVID SPEALMAN
158 Kline Road
Shippensburg, PA 17257
Re:
Serv~cer/Mortgagee:
The Bank of New York, as Trustee under
the Pooling & Servicing Agreement, dated
as of February 28, 1997, Series 1997-A '
C. David Spealman
Louise A. Devaric n/k/a Louise A. Spealman
81004921
158 Kline Road, Shippensburg, PA 17257
Mortgi;lgor:
Loan No. i"
Premises:
Ho"rCE OF DEFAm." AIm nrrl!:HTrOH "0 TlUI'R AC"rOH
Dear Borrower(s):
The Bank of New York, as Trustee under the Pooling & Servicing
Agreement, dated as of February 28, 1997, Series 1997-A, is the
holder or servicer of' your Promissory Note and Mortgage on the
above premises (the npremises") securing the Note. You are in
default of certain obligations under these documents as follows:
You have failed to make monthly payments in the amount of
$358.10 for April, 1999 through May, 2000.
~N\l.~"IBIT A
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Page Two
Failure to cure the default as specified may result in
acceleration of the sums secured by your Mortgage, foreclosure by
judicial proceedings and sale of the Premises.
You can avoid the above actions by making payment to us of
$6,107.75, which includes all accrued late charges, costs, and
attorney's fees incurred to date. You may cures this default within
(30) days of the date of this letter, by paying to us the above
amount of $6,107.75, plus any additional monthly payments and late
charges which may fall due during this period.
If your mortgage so provides, you have the right to reinstate
after acceleration and the right to assert in the foreclosure
<< proceedings the non-existence .of a default or any other defense to
acceleration and foreclosure.
. Only if your Mortgage so provides, notwithstanding
acceleration of the sums secured by the: Mortgage, you shall have
the right to have any proceedings begun by us to enforce the
Mortgage discontinued anytime prior to at least one hour prior to
the conunencement of bidding at a Sheriff I s sale or other sale
pursuant to the Mortgage, if you comply with its requirements
allowing such reinstatement.
You may cure your default by making payment of the amounts
indicated 'above to us at the address on the letterhead.
I urge you to contact the undersigned promptly upon receipt of
this letter.
ve(ilfJs,
MARK J. UDREN, ESQUIRE
I: ,
~/ath
cCf First Class Mail
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NOTICE
The amount of your debt is as stated in the attached document. The name of the creditor
to whom the debt is owed is as named in the attached document. Unless you notify us within
30 days after receipt of this Notice and the attached document that the validity of the stated
debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us
in writing of a dispute within the 30 day period, we will obtain verification of the debt or a
, copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an
admission of liability on your part. Also, upon your written request within the 30 day period,
we will provide you with the name and address of the original creditor if different from the
current creditor.
If you notify us in writing within the 30 day period as stated above, we will cease collection
of your debt, or any disputed portion of it, until we obtain the information that is required
and mail it to you. Once we have mailed to you the required information, we will then
continue the collecti~n of your debt.
This law firm is deemed to be a debt collector and this Notice and the attached document is
an attempt to collect a debt, and any information obtained will be used for that purpose.
LAW OFFICES OF MARK J. UDREN
Isl Mark J. UeJren, Esquire
1040 N. Kings Highway, Suite 500
Cherry Hill, NJ 08034
(856) 482-6900
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LA W OFFICES
MARK J. UDREN & ASSOCIATES
1040 NORTH KINGS HIGHWAY
SUITE 500
CHERRY HILL, NEW JERSEY 08034
856. 482 . 6900
FAX: 856. 482 . 1199
MARK J. WREN-
STUART WlNNEG"
GAlL SPIVAK ORLOFF*".
HEIDI R. SPIVAK*>.
CHRISTOPHER J. FOX"..
CORINA CANIV**
.ADMl1TBD NJ, "A, Fe.
"ADMITTlID rA
-ADMI7TBD Nl, "A
TINA MARIE RICH
QFMa ADMIN1S7'BATOI
FREDDlE MAC
PENN,<;nVANTA
DE!\1GNA TED COUN,<;RT.
PENNSYLVANIA OFFICE
24 NORTH MERION AVENUE
SUITE 24Q
BRYN MAWR, PA 19010
215-56IH/5D/J
215-568-1141 FAX
PLEASE RESPOND TO NEW JERSEY OFFICE
May 2, 2000
CERTIFIEJ;) MAIL
RETURN RECEIPT REQUESTED
ARTICLE #7099 3400 0001 4208 3229
LOUISE A. DEVARIC SPEALMAN a/k/a LOUISE A. SPEALMAN
158 Kline Road
Shippensburg, PA 17257
Re:
servicer/Mortgagee:
The Bank of New York, as Trustee under
the Pooling & Servicing Agreement, dated
as of February 28, 1997, ,Series 1997-A
C. David Spealman
Louise A. Devaric n/k/a Louise A. Spealman
81004921
158 Kline Road, Shippensburg, PA 17257
Mortgagor:
Loan No.:
Premises:
NOTiCE OF DEFAULT AlID ilil'TEN"riON TO TlI.TI'~ ACTiON
Dear Borrower(s):
The Bank of New York, as Trustee under the Pooling & Servicing
Agreement, dated as of February 28, 1997, Series 1997-A, is the
holder or servicer of your Promissory Note and Mortgage on the
above premises (the "Premises") securing the Note. You are in
default of certain obligations under these documents as follows:
You have failed to make monthly payments in the amount of
$358.10 for April, 1999 through May, 2000.
I""",-=~
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page Two
Failure to cure the default as specified may result in
acceleration of the sums secured by your Mortgage, foreclosure by
judicial proceedings and sale of the Premises.
You can avoid the above actions by making payment to us of
$6,107.75, which includes all accrued late charges, costs, and
attorney's fees incurred to date. You may cures this default within
(30) days of the date of this letter, by paying to us the above
amount of $6,107.75, plus any additional lllOnthly payments and late
charges which may fall due during this period.
If your mortgage so provides, you have the right to reinstate
after acceleration and the right to assert in the foreclosure
, proceedings the non-existence of a default or any other defense to
acceleration and foreclosure.
Only if your Mortgage so provides, notwithstanding'
acceleration of the 'sums secured by the Mortgage, you shall have
the right to have any proceedings begun by us to enforce the
Mortgage discontinued anytime prior to at least one hour prior to
the commencement of bidding at a ,Sheriff's sale or other sale
pursuant to the Mortgage, if you comply with its requirements
allowing such reinstatement.
You may cure your default by making payment of the amounts
indicated above to us at the address on the letterhead.
I urge you to contact the undersigned promptly upon receipt of
this letter.
Very truly y~urs,
Class Mail
NOTICE
The amount of your debt is as stated in the attached document. The name of the creditor
.:to whom the debt is owed is as named in the attached document. Unless you notify us within
30 days after receipt of this Notice and the attached document that the validity of the stated
debt, or any portion of it, is disputed, we will assume that the debt is valid. Uyou do notify us
in writing of a dispute within the 30 day period, we will obtain verification of the debt or a
, copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an
admission of liability on your part. Also, upon your written request within the 30 day period,
\
we will provide you with the name and address of the original creditor if different from the
current creditor.
Uyou notify us in writing within the 30 day period as stated above, we will cease collection
of your debt, or any disputed portion of it, until we obtain the information that is required
and mail it to you. Once we have mailed to you the required information, we will then
continue the collection of your debt.
. This law firm is deemed to be a debt collector and this Notice and the attached document is
an attempt to collect a debt, and any information obtained will be used for that purpose.
LAW OFFICES OF MARKJ. UDREN
Is! Mark J. Udren, Esquire
1040 N. Kings Highway, Suite 500
Cherry Hill, NJ 08034
(856) 482-6900
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V E RTF I CAT ION
Mark J. Udren, Esquire, hereby states that he is the attorney
for the Plaintiff, a corporation unless designated otherwise; that
he is authorized to take this Verification and does so because of
the exigencies regarding this matter, and because Plaintiff must
verify much of the information through agents, and because he has
personal knowledge of some of the facts averred in the foregoing
pleading; and that the statements made in the foregoing pleading
are true and correct to the best of his knowledge, information and
belief arid the source of his information is public records and
repor~s of Plaintiff's agents. The undersigned understands that
this statement herein is made subject to the penalties of 18
Pa.C.S. Section 4904 relating to unsworn falsification to
authorities.
\%Yt/
Mark J. Udren, ESQUIRE
MARK J. UDREN & ASSOCIATES
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MARK J. UDREN & ASSOCIATES
BY: Mark J. Udren, Esquire
AT~Y I.D. NO. 04302
1040 N. KINGS HIGHWAY, SUITE 500
CHERRY HILL, NJ 08034
856-482-6900
The Bank of New York, as
Trustee Under the Pooling and
Servicing Agreement Dated as
of February 28, 1997, Series
1997-A
one Old Country Road
Suite 375
Carle place, NY 11514
Plaintiff
v.
C. David Spealman
Louise A. Devaric
n/k/a Louise A. Spealman
158 Kline Road
Shippensburg, PA 17257
United States of America
Federal Building
228 Walnut Street
P.O. Box: 11754
Harrisburg, PA 17108
Defendant(s)
~
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WE HERESY OERTIFY THE
WITHIN TO BETAUE AND ~
CORRECT COPY Of: THE ORIGINAL
ATTORNEY FOR PLAINTIFF
-
: COURT OF COMMON PLEAS
: CIVIL DIVISION
: cumberland County
:NO.
r20--0rJ ~ 35/ f
,
~
COMPLAINT IN MORTGAGE FORECLOSURE
YOU HAVE BEEN SUED IN COURT. If you wish to defend against the
claims set forth in the following pages, you must take action
within twenty (20) days after this Complaint and Notice are served,
by entering 'a written appearance personally or by attorney and
filing in writing with the Court your defenses or objections to the
claims set forth against~u. 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 F:J:ND OUT WHERE YOU CAN GET LEGAL HELP.
TRUE (.,()py FROM REOORo LAWYERS REFERRAL SERVICE
<:~wher8of, l,*elHltll8tltmv~erland County Bar Association
, It;&U of ~ It Cartble.~" 2 Liberty Avenue
Qf..1:!j Carlisle, PA 17013-3387
717-249-3166
~~""'''' "~"
AV1SO
Le han demandado a usted en la corte. si usted quiere defenderse
de estas demandas expuestas ,en las paginas siguientes, usted tiene
veinte (20) dias de plazo al partir de la fec~ de la demanda y la
notificacion. Hace falta ascentar una comparencia escrita a en
persona 0 con un abogado y entregar a la corte en forma escrita sus
defensas 0 sus objeciones alas demandas en contra de su persona.
Sea avisado que si usted no se dafiende, la corte tomara medidas y
puede continuar la demanda en contra suya sin previa aviso a
notificacion. Ademas, la corte puede decidir a favor del
demandante y requiere que usted cumpla con todas las provisiones de
esta demanda. Usted puede perder dinero 0 sus propiedades u otros
derechos importantes para usted.
LLEVE ESTA DEKANDA A UN ABOGADO 1lIMED1ATAKENTE, 81 NO T1ENE ABOGADO
o 81 NO T1ENE EL D1NERO StJF1C1ENTE DE PAGAR TAL SERV1C10, VAYA EN
PERSONA 0 LLAME POR TELEFONO A LA OFICINA CtJYA DIRECCION SE
ENCtJENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE 8E PtJEDE CONSEGtJIR
ASISTENcrA LEGAL.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, P A 17013-3387
717-249-3166
,"".""<"'''''''~' ~ ,'~
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NOTICE
The amount of your debt is as stated in the attached document. The name of the creditor
to whom the debt is owed is as named in the attached document. Unless you notify us within
30 days after receipt of this Notice and the attached document that the validity of the stated
debt, or any portion of it, is disputed, we will assume that the debt is valid. H you do notify us
in writing of a dispute within the 30 day period, we will obtain verification of the debt or a
copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an
admission of liability on your part Also, upon your written request within the 30 day period,
we will provide you with the name and address of the original creditor if different from the
, \
current creditor.
If you notify us in writing within the 30 day period as stated above, we will cease collection
of your debt, or any disputed portion of it, until we obtain the information that is required
and mail it to. you. Once we have mailed to you the required information, we will then
continue the collection of your debt.
This law firm is deemed to be a debt collector and this Notice and the attached document is
an attempt to colllle! a debt, and any information obtained will be used for that purpose.
LAW OFFICES OF MARK J. UDREN
Isl Mark J. Udren, Esquire
1040 N. Kings Highway, Suite 500
Cherry Hill, NJ 08034
(856) 482-6900
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1. Plaintiff is the Corporation designated as such in the
caption on a preceding page. If Plaintiff is an assignee then it
is such by virtue of the following recorded assignments:
Assignor: TMS Mortgage Inc. dba The Money Store
Assignee: The Bank, of New York
Recording Date: 12/13/99 Book: 633 Page: 310
2 . Defendant (s), C. David Spealman and Louise A. Devaric
n/k/a Louise A. Spea1man are the individual(s) designated as such
on the caption, whose. last known address is as set forth in the
caption, and unless designated otherwise, are the real owner(s) and
mortgagor (s) of the premises being foreclosed.
Defendant, The
United States of America is a,Defendant by virtue of a judgment,
lien, or other interest in the mortgaged property. Evidence of the
USA's interest is attached hereto.
3. On or about the date appearing on the Mortgage
hereinafter described, at the instance and request of Defendant{s),
Plaintiff (or its predecessor, hereinafter called Plaintiff) loaned
to the Defendant (s) the sum appearing on said Mortgage,
which
Mortgage was executed and delivered to Plaintiff as security for
the indebtedness.
Said Mortgage is incorporated herein by
reference in accordance with Pa.R.C.P. 1019 (g).
The information regarding the Mortgage, being foreclosed is as
follows:
MORTGAGED PREMISES: 158 Kline
MUNICIPALITY/TOWNSHIP/BOROUGH:
COUNTY: CUmberland
DATE EXECUTED, 11/22/96
DATE RECORDED: 11/27/96 BOOK: 1353
Road
Southampton Township
PAGE: 1070
The legal description of the mortgaged premises is attached hereto
and made part hereof.
4. Said Mortgage is in default because the required payments
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have not been made as set forth below, and by its terms, upon
breach and failure to cure said breach after notice, all sums
secured by said Mortgage, together with other charges authorized by
said Mortgage itemized below, shall be immediately due.
5. After demand, the Defendant (s) continues to fail or
refuses to comply with the terms of the Note as follows:
(a) by failing or refusing to pay the installments of
principal and interest when due in the amounts indicated
below;
(b) by failing or refusing to pay other charges, if any,
indicated below.
6. The following amounts are due on the said Mortgage as of
5/2/00:
Principal of debt due and unpaid
Interest at 12.00% from 3/1/99
to .5/2/00
(the per diem interest accruing on
this debt is $11.18 and that sum
should be added each day after
5/2/00)
$34,000.00
4,796,.22
, Title Report
Court Costs (anticipated, excluding
Sheriff's Sale costs)
Escrow Overdraft/(Balance)
(The monthly escrow on this account
is $0.00 and that sum should
be 'added on the first of each
month after 5/2/00)
250.00
. 280.00
0.00
Late, Charges
(monthly late charge of $35.81
should be added on the fifteenth of
each month after 5/2/00)
1,074.35
Other Fees
Attorneys Fees (anticipated and actual
to 5% of principal)
20.00
1.700.00
TOTAL
$42,120.57
7. The attorney's fee set forth above are in conformity with
~.""",,,~
~~ ~~ ~.
-
-
ll';;>1fllllfull!,;
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 in accordance with the reduction provisions of
Act 6, if applicable.
8. Notice of Intention to Foreclose under Act 6 of 1974 of the
Conunonwealth of pennsylvania has been sent to each Defendant,
certified mail, in accordance with the requirements of that act,
and copy(s) are attached hereto as Exhibit "A" and made part
hereof.
The notice specified by the Pennsylvania Homeowner's
Emergency Mortgage Assistance Program, Act 91 of 1983, has not been
sent because the Mortgage over 24 months delinquent, and the notice
\
is therefore not required.
WHEREFORE, the Plaintiff demands judgment, in rem, against the
Defendant(s) herein in the sum of $42,120.57, plus interest, costs
and attorneys fees as more fully set forth in the Complaint, and
for foreclosure and sale of the Mortgaged premises.
'-r~
Mark J. Udren, ESQUIRE
MARK J. UDREN & ASSOCIATES
Attorney for plaintiff
Attorney I.D. No. 04302
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lIIoL ~1lA~ ~ :LO~ 011' GROUND S:I!l!UAH :IN SOtl'l!IllIMI1'J!ON ~OIINSH:IP, CUMBI!lll:LAND
COllNTY, PI!lNNSY.I.VlIN:IA, IliI01lE II'U:LIi!C BOUNIlED AND IlI!.Sca:rllJ!:Il AS Il'O:L:LClIfS:
Bl!.G:Iml:rNG M ~HI!. NOR!elIE1lIoY S:IIlI!. or :LI!lG:ISLA~:IVI!. 1lOU'r1!. 2100& M COlWEll. 011' :LAND
011' J.W. KI.:rNI!. m.~ SCHOO:L; ~1II!.NCl!l AIoONG ~HI!. SA:rI) SCHOOI. :LAND NOm!Il
S~-SEVI!.N (77) IlI!.GlilEES ~K:IR!I!Y (30) KINtI'rI!.S BAS~ !I!Wll HlmIlRI!.l) I!.I.I!.VI!.N ANI) ,
OHl!. I!lINIl!lJ!:IlTH (211. 01) 1l'I!.I!.~ ro A STAKI!.: !eH1!.NCI!. BY O!eHI!.R :LAND NOW OR rollMl!.llIoY
011' C. IlllY Il'IlN1t ANI) ~HI!.:LMlI. B. 1l'IlN1t, NOR!eH '!H:IR!n'-<lN.I!l (31) IlI!.GRBI!.S s:rx (0&)
H:INtl'rI!.S Wl!.S~ ~o 1lllNIlllJ!:Il N:tIl1I!. ANI) 1I'0Rn-rOUP. IlllNIlRl!:Il!l!KS (209. 44) 1l'I!.1!.~ ~O A
STAKI!. ANI) NOR~IIEAS~ COllNER 011' :LO'r NO. 23; !eHI!.NCI!: BY :LO~ NO. 23 SOtl'.I!H 1I'0Rn-
N:rNI!. IlI!.GlilEES ~I!.N (10) KINtI'rI!.S !eH:IRn (30) SI!.COJ:IIl)S Wl!.S~ !I!Wll 1\tlNI)llJ!:Il !I!Wll ANI)
N:IHI!.!I!Y-!I!Wll 1lllNIlllJ!:Il!eHS (202. 92) 1l'I!.1!l~!20 A S~AD A~ ~HI!. NOa!I!_Y I!lDGI!. 01' '!!1m
SA:rI) :LI!.G:Is:r.l\!e:IVl!. 1lOU'r1!.; ~III!.NCI!. AIoONG '!!1m NORTHI!.Mi2' I!.IIGI!l OIl' leIII!l SA:rI)
:LI!.G:Is:r.l\!e:IVl!. IilOll'R SOU!eH !eH:IR'l'1'-ONI!l (31) IlI!.GlilEES S:IZ (06) KINUftlS BAS~ 0NI!l
I\tlNI)EII!lI) SEVI!.N AND I!.:IGHW-I':IVI!. 1\tlNI)1II!.II'l1KS (107. 85) 1'I!l1!.~ ~O A STAKI!., !IlKB P:LllCI!.
, 011' BI!.G:DlN:ING. BI!.:rNG:LO'r NO. 22 :IN A l':Ll\N 01' :LO~S Il'OR C. ROY 1l'UUK, StlKYI!.= BY
Il.P. lUIll'Il'I!.NSPI!.1lGl!IR. lI..s., ~ 7, 1963, ANI) IlU:LY IiUICOElDI!.II :IN ~HI!. OIl'll':Iel!. 011' ~HI!.
lIECOlU)1!.II. 011' IlEI!.IIS :IN AND 11'011.' CUMBI!l:ElIol\lllIl COU11'l'lI!.
"
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LA W OFFICES
MARK J. UDREN & ASSOCIATES
1040 NORTH KINGS HIGHWAY
SUITE 500
CHERRY HlLL, NEW JERSEY 08034
856. 482 . 6900
FAX: 856. 482 . 1199
MARK J. UDREN*
STUART WlNNEG"
GAYL SPIVAR OKLO_
HEIDI R. SPIVAK""
CHRISTOPHER J. FOXO"
CORINA CJ.NlZOOO
-ADMITTED HI, PA, F.L
"ADMI1TBD PA
-ADM17TED HI, rA
77NA MARIE RICH
OFFICE ADMlNIS7llATOJI
PENNSYLVANIA OFFICE
Z4 NORTH MERlON AVENUE
SUITE Z40
BRYN AlA. WR, PA 19010
215-568-9500
ZIS-S6&-1141 FAX
FREDDIE MAC
PRNNSYLVANIA
DRSlGNA TED COTINSRl.
PLEASE RESPOND TO NEW JERSEY OFFICE
May 2, 2000
CERTIFIED MAIL
RETURN RECEIPT REQUESTED
ARTICLE #7099 3400 0001 4208 3299
C. DAVID SPEALMAN
158 Kline Road
Shippensburg, PA 17257
Re:
Serv~cer/Mortgagee:
The Bank of New York, as Trustee under
the Pooling & Servicing Agreement, dated
as of February 28, 1997, Series 1997-A '
C. David Spealman
Louise A. Devaric n/k/a Louise A., Spealman
81004921
158 Kline Road, Shippensburg, PA 17257
MortgCi.gor:
Loan No.:
PremiseS:
".'~,-c.;_'
NOTiCE OF DEFAULT AND iNTENTiON TO TaY~ ACTiON
Dear Borrower(s):
The Bank of New York, as Trustee under the Pooling & servicing
Agreement, dated as of February 28, 1997, Series 1997-A, is the
holder or servicer of your Promissory Note and Mortgage on the
above premises (the "Premises") securing the Note. You are in
default of certain obligations under these documents as follows:
You have failed to make monthly payments in the amount of
$358.10 for April, 1999 through May, 2000.
~.v\l.~,wBIT A
~~
"
".
u....dJlY~~:~,
-
Page Two
Failure to cure the default as specified may result in
acceleration of the sums secured by your Mortgage, foreclosure by
judicial proceedings and sale of the Premises.
You can avoid the above actions by making payment to us of
$6,107.75, which includes all accrued late charges, costs, and
attorney's fees incurred to date. You may cures this default within
(30) days of the date of this letter, by paying to us the above
amount of $6,107.75, plus any additional monthly payments and late
charges which may fall due during this period.
If your mortgage so provides, you have the right to reinstate
after acceleration and the right to assert in the foreclosure
, proceedings the non-existence .of a default or any other defense to
acceleration and foreclosure.
,Only if your Mortgage so provides, notwithstanding
acceleration of the sums secured by the Mortgage, you shall have
the right to have any proceedings begun by us to enforce the
Mortgage discontinued anytime prior to at least one hour prior to
the commencement of bidding at a Sheriff's sale or other sale
pursuant to the Mortgage, if you comply with its requirements
allowing such reinstatement.
You may cure your default by making payment of the amounts
indicated'above to us at the address on the letterhead.
I urge you to contact the undersigned promptly upon receipt of
this letter.
ver;;:7'
( It.
MARK J .UDREN, ESQUIRE
I: '
MJ!o-/ath
ccp First Class Mail
NOTICE
The amount of your debt is as stated in the attached document. The name of the creditor
to whom the debt is owed is as named in the attached document. Unless you notify us within
30 days after receipt of this Notice and the attached document that the validity of the stated
debt, or any portion of it, is disputed, we will assume that the debt is valid. Hyou do notify us
in writing of a dispute within the 30 day period, we will obtain verification of the debt or a
, copy of a judgment against you, and mail it to you. If yon do not dispute the debt, it is not an
admission of liability on your part. Also, upon your written request within the 30 day period,
we will provide you with the name and address of1the original creditor if different from the
current creditor.
If you notify us in writing within the 30 day period as stated above, we will cease collection,
of your debt, or any disputed portion of it, until we obtain the information that is required
and mail it to you. Once we have mailed to yon the required information, we will then
continue the collecti~n of your debt.
This law firm is deemed to be a debt collector and this Notice and the attached document is
an attempt to collect a debt, and any information obtained will be used for that purpose.
LAW OFFICES OF MARK J. UDREN
IsI Mark J. Udren, Esquire
1040 N. Kings Highway; Suite 500
Cherry Hill, NJ 08034
(856) 482-6900
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LA W OFFICES
MARK J. UDREN & ASSOCIATES
1040 NORTH KINGS HIGHWAY
SUITE 500
CHERRY HILL, NEW JERSEY 08034
856. 482 . 6900
FAX: 856.482 .1199
MARK I. UDREN'
STUART WlNNEG..
GAYLSPlVAK ORLO_
llElDlR. SPlVAK"*
CHRISTOPHER I. FOp..
CORINA CANlZ."
~.v:APA,PL
-ADMl1Tim Nl. P'"
TINA MARIE RICH
OFFlCBAI1M1Nl1lTBAmR
FRRDDIE MAC
PENN!i,Yl.VANlA
DESlGNA TED COUNSEL
PENNSYLVANIA OFFICE
24 NOlfrH MBRION AVENUE
SUITE 24Q
BRYN MAWR, PA 19010
215-568-95fJO
215-568-1141 FAX
PLEASE RESPOND TO NEW lE1lSEY OFFICE
May 2, 2000
CERTIFIEI( MAIL
RETURN RECEIPT REQUESTED
ARTICLE #7099 3400 0001 4208 3229
LOUISE A. DEVARIC SPEALMAN a/k/a LOUISE A. SPEALMAN
158 Kline Road
Shippensburg, PA 17257
Re:
Servicer/Mortgagee:
The Bank of New York, as Trustee under
the Pooling & Servicing Agreement, dated
as of February 28, 1997, Series 1997-A
C. David Spealman
Louise A. Devaric n/k/a Louise A. Spealman
81004921
158 Kline Road, Shippensburg, PA 17257
Mortg~gor:
Loan No.:
Premises:
NOTiCE OF DEFAULT AND ilrrENTiON TO T1l1l'll! ACTiON
Dear Borrower(s):
The Bank of New York, as Trustee under the Pooling & Servicing
Agreement, dated as of February 28, 1997, Series 1997-A, is the
holder or servicer of your Promissory Note and Mortgage on the
above premises (the npremisesn) securing the Note. You are in
default of certain obligations under these documents as follows:
You have failed to make monthly payments in the amount of
$358.10 for April, 1999 through May, 2000.
"-,~~,~,,.
-
....J.J
-
','. ~'~"
page Two
Failure to cure the default as specified may result in
acceleration of the sums secured by your Mortgage, foreclosure by
judicial proceedings and sale of the Premises.
You can avoid the above actions by making payment to us of
$6,107.75, which includes all accrued late charges, costs, and
attorney's fees incurred to date. You may cures this default within
(30) days of the date of this letter, by paying to us the above
amount of $6,107.75, plus any additional monthly payments and late
charges which may fall due during this period.
If your mortgage so provides, you have the right to reinstate
after acceleration and the right to assert in the foreclosure
, proceedings the non-existence' of a default or any other defense to
acceleration and foreclosure.
Only if your Mortgage so provides, notwithstanding'
acceleration of the 'sums secured by the Mortgage, you shall have
the right to have any proceedings begun by us to enforce the
Mortgage discontinued anytime prior to at least one hour prior to
the commencement of bidding at a .sheriff's sale or other sale
pursuant to the Mortgage, if you comply with its requirements
allowing such reinstatement.
You may cure your default by making payment of the amounts
indicated above to us at the address on the letterhead.
I urge you to contact the undersigned promptly upon receipt of
this letter.
very truly y~urs,
J. UDREN, ESQUIRE
Class Mail
-
-,
'. ,I
-. '.~~",
NOTICE
The amount of your debt is as stated in the attached document. The name of the creditor
:to whom the debt is owed is as named in the attached document. Unless you notify us within
30 days after receipt of this Notice and the attached document that the validity of the stated
debt, or any portion of it, is disputed, we will assume that the debt is valid. Hyou do notify us
in writing of a dispute within the 30 day period, we will obtain verification of the debt or a
, copy of a jucllgment against you, and mail it to you. Uyou do not dispute the debt, it is not an
admission of liability on your part. Also, upon your written request within the 30 day period,
,
we will provide you with the name and address of the original creditor if different from the
current creditor.
If you notify us in writing within the 30 day period as stated above, we will cease collection
of your debt, or any disputed portion of it, until we obtain the information that is required
and mail it to you. Once we have mailed to you the required information, we will then
continue the collection, of your debt.
This law firm is deemed to be a debt collector and this Notice and the attached document is
an attempt to collect a debt, and any information obtained will be used for that purpose.
LAW OFFICES OF MARKJ. UDREN
Is! Mark J. Udren, Esquire
1040 N. Kings Highway, Suite 500
Cherry Hill, NJ 08034 '
(856) 482-6900
-",
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VERIFICATION
Mark J. Udren, Esquire, hereby states that he is the attorney
for the Plaintiff, a corporation unless designated otherwise; that
he is authorized to take this Verification and does so because of
the exigencies regarding this matter, and because Plaintiff must
verify much of the information through agents. and because he has
personal knowledge of some of the facts averred in the foregoing
pleading; and that the statements made in the foregoing pleading
are true and correct to the best of his knowledge, information and
belief and the source of his information is public records and
repor~s of Plaintiff's agents. The undersigned understands that
this statement herein is made subject to the penalties of 18
Pa.C.S. Section 4904 relating to unsworn falsification to
authorities.
uri/
Mark J. Udren, ESQUIRE
MARK J. UDREN & ASSOCIATES
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,
SHERIFF'S RETURN - OUT OF COUNTY
CASE NO: 2000-03519 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
BANK OF NEW YORK THE ETC
VS
SPEALMAN C DAVID ET AL
R. Thomas Kline
, Sheriff or Deputy Sheriff who being
duly sworn according to law, says, that he made a diligent search and
and inquiry for the within named DEFENDANT
, to wit:
SPEALMAN DAVID C
but was unable to locate Him
in his bailiwick. He therefore
deputized the sheriff of PERRY
County, Pennsylvania, to
serve the within COMPLAINT - MORT FORE
On July
31st , 2000 , this office was in receipt of the
attached return from PERRY
Sheriff's Costs:
Docketing
lut of County
Surcharge
Dep. Perry Co
6.00
9.00
10.00
63.44
.00
88.44
07/31/2000
MARK J. UDREN
~
R. Thomas Kline
Sheriff of Cumberland County
Sworn and subscribed to before me
this ~t
c2~
day of
~
y
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Serve:
:In The Court of Common Pleas of Cumberland CIrunty, Penn.sylvania
The Bank of New York
VS.
C. David Spealman, et. al.
C. David Spealman
No. 20-3519 Civil
Now,
7/18/00
, 20 €) fb , I, SHERIFF OF CUMBERLAND COUNTY, P A, do
hereby deputize the Sheriff of Franklin
County to execute this Writ, this
deputation being made at the request and risk ofthe Plaintiff.
, .r~~-t:~#
Sheriff of Cumberland County, P A
Affidavit of Service
Now,
,20_, at
0' clock
M, served the
within
upon
at
by handing to
copy of the original
a
and made known to
the contents thereof
So answers,
Sheriff of
County, PA
Sworn and subscribed before
me this _ day of , 20
COSTS
SERVICE
MILEAGE
AFFIDAVIT
$
$
.c
-oi..J
In The Court of Common Pleas of Cumberland County, Pennsylvania
The Bank of New York
.VS.
C. David Spealman. e t. aI.,
Serve:
Louise A. Devaric. n/k/a
Louise A. Spealman
No. 20-3519 Civil
Now,
7/18/00
, 20 Q C , I, SHERIFF OF CUMBERLAND COUNTY,P A, do
hereby deputize the Sheriffof Franklin
County to execute this Writ, this
deputation being made at the request and risk of the Plaintiff.
.' r~~'
SberiffofCumherland County, PA
Affidavit of Service
Now,
,20_, at
o'clock
M, served the
within
upon
at
by handing to
a
copy of the original
and made known to
the contents thereof.
So answers,
Sheriff of
County, PA
Sworn and subscribed before
methis_dayof ,20_
COSTS
SERVICE
MILEAGE
AFFIDA VIT
$
$
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SHERIFF'S RETURN
In the Court of Common Pleas
of Perry County, Pennsylvania
The Bank of New York
vs
C. David Spealman
214 Maple Ave
MarysvilIe, Pa. 17053
NO. 20-3519
George W. Frownfelter, Sheriff, who being duly sworn according to law, says that he
made a diligent search and inquiry for the within named Defendant to wit, C. David
Spealman at 214 Maple Ave. MarysvilIe, Pa. 17053 but was unable to locate himlher
in his bailiwick. He therefore returns the Complaint in Mortgage Forclosure, NOT
FOUND ", as to the within named Defendants C. David Spealman. Above stated
property is vacant. Marysville Post Office states Mr, SpeaIman's forwarding address is
634 Northfield Rd, Lititz, Pa. 17543-8355
()f;sM
Sworn and subscribed to before me
this _ day of ,2000,
George W. Frownfelter
Sheriff of Perry County
-
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In The Court of Common Pleas of Cumberland County, Pennsylvania
The Bank of New York
VS.
C. David Speaiman. et. ai.
C. David Spealman
Serve:
No.
20-3519 Civil
Now,
7/18/00
, 2D C> () , I, SHERIFF OF CUMBERLAND COUNTY, P A, do .
hereby deputize the Sheriff of Perry
County to execute this Writ, this
deputation being made at the request and risk of the Plaintiff
,,' ~~~~
Sheriff of Cmnberland County, P A
Affidavit of Service
Now,
,2D_,at
o'clock
M. served the
within
upon
at
by handing to
a
copy of the original
and made lmown to
the contents thereof
So answers,
Sheriff of
County, P A
Sworn and subscribed before
me this _ day of
20
'-
COSTS
SERVICE
MILEAGE
AFFIDA VIT
$
$
..
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SHERIFF'S RETURN - OUT OF COUNTY
CASE NO: 2000-03519 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
BANK OF NEW YORK THE ETC
VS
SPEALMAN C DAVID ET AL
R. Thomas Kline
, Sheriff or Deputy Sheriff who being
duly sworn according to law, says, that he made a diligent search and
and inquiry for the within named DEFENDANT
, to wit:
SPEALMAN DAVID C
but was unable to locate Him
in his bailiwick. He therefore
deputized the sheriff of FRANKLIN
County, Pennsylvania, to
serve the within COMPLAINT - MORT FORE
On July
31st , 2000 , this office was in receipt of the
attached return from FRANKLIN
Sheriff's Costs:
Docketing
Out of County
Surcharge
Dep. Franklin Co
18.00
9.00
10.00
48.12
.00
85.12
07/31/2000
MARK J. UDREN &
S.~~
R. Thomas Kline
Sheriff of Cumberland County
ASSOCIATES
Sworn and subscribed before me
this ~ day of sl-
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SHERIFF'S RETURN - OUT OF COUNTY
CASE NO: 2000-03519 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
BANK OF NEW YORK THE ETC
VS
SPEALMAN C DAVID ET AL
R. Thomas Kline
, Sheriff or Deputy Sheriff who being
duly sworn according to law, says, that he made a diligent search and
and inquiry for the within named DEFENDANT
, to wit:
DEVARIC LOUISE A N/K/A
SPEALMAN LOUISE A
but was unable to locate Her
in his bailiwick. He therefore
deputized the sheriff of FRANKLIN
serve the within COMPLAINT - MORT FORE
County, Pennsylvania, to
On July
31st , 2000 , this office was in receipt of the
attached return from FRANKLIN
Sheriff's Costs:
Docketing
Out of County
Surcharge
6.00
.00
10.00
.00
.00
16.00
07/31/2000
MARK J. UDREN
~~
R. Thomas Kl ine/
Sheriff of Cumberland County
& ASSOCIATES
to before me
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SHERIFF'S RETURN
REGULAR
CASE NO: 2000-03519 T
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF FRANKLIN
BANK OF NEW YORK
VS
C DAIVD SPEALMAN
GUS ALEXIOU-DEPUTY , Deputy Sheriff of FRANKLIN
County, Pensylvania, who being duly sworn according to law,
says, the within COMPLAINT-MORT FORECLS was served upon
SPEALMAN C DAVID
DEFENDANT
, at 1150:00 Hour, on the 21st day of July
the
, 2000
at 158 KLINE ROAD
SHIPPENSBURG, PA 17257
SAME
by handing to
SAME
a true and attested copy of COMPLAINT-MORT FORECLS
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
Mileage
So Answers:
9.00
15.00
6.00
10.00
8.12
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GUb ~-~
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By 0
e u b erl
07/24/2080 y
UDREN
Sworn and Subscribed to before
of ~
A.D.
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SHERIFF'S RETURN
REGULAR
CASE NO: 2000-03519 T
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF FRANKLIN
BANK OF NEW YORK
VS
C DAIVD SPEALMAN
GUS ALEXIOU-DEPUTY , Deputy Sheriff of FRANKLIN
County, Pensyl vania , who being duly sworn according to law,
says, the within COMPLAINT-MORT FORECLS was served upon
DEVARIC LOUISE A
DEFENDANT
, at 1150:00 Hour, on the 21st day of July
the
, 2000
at 158 KLINE ROAD
SHIPPENSBURG, PA 17257
SAME
by handing to
SAME
a true and attested copy of COMPLAINT-MORT FORECLS
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
.00
.00
.00
.00
.00
.uu
GUO~
By " - -~~ -
00/00/06E~ y erl
SEE ATTACHED SHEET FOR COSTS
Sworn and Subscribed to before
~.5 day of ~
~A.D.
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I!AlUt J. lJDREN Ii: ASSOC:rA'1'ES
BY: Mark J. Uciren, Bsquire
AT'1'Y I.D. NO. 04302
1040 N. KINGS HI~Y, SUI'1'B SOO
CHERRY HILL, RJ 08034
856-482-6900
" The Bank of New York, as
,Trustee Under the Pooling and
Servicing Agreement Dated as
of February 28, 1997, Series
1997~A
one Old Country Road
Suite 375
Carle Place, NY 11514
Plaintiff
v.
C. David Spealman
Louise A. Devaric
n/k/a Louise A. Spealman
158 lCline Road
Shippensburg, PA 17257
United States of America
Federal Building
228 Walnut Street
P.O. Box 11754
Harrisburg, PA 17108
Defendant(s)
:lI1Ill11lli!ilflL ~
ATTORNEY FOR l'LAJ:R'1'I:FF
: COURT, OF COMMON PLEAS
: CIVIL DIVISION
: ~rland County
TRUe copy FROM RECORD
In Testimony whereof, I hereunto set myltand
~and"'" m'" ~, ." "Pa.
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COMPLAINT IN MORTGAGE FORECLOSURE
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YOU ~VE BEEN SUED IN COURT. If you wish to defend against the
claims set. forth in the following pages, you must take action
within twenty (20) days after this Complaint and Notice are served,
by entering a written appearance personally or by attorney and
filing in writing with the Court your defenses or objections to the
claims set forth against you., You are warned that if you fail to
do so the case may proceed without you and a judgment may be
entered against you by the Court without further notice, for any
money claimed in the Complaint or for any other claim or relief
requested by the Plaintiff. You may lose money or property or
other rights important to you.
YOU S1l0m.D TUB '1'1lJ:S l'APBll '1'0 TOUR LA'lIYEll AT ONCE. 'IF YOU DO NOT
:!lAVE A LA'lIYEll Oil CAlmO'1' AFFORD ORB, GO '1'0 OR '1'ELEPBORE '1'Jm OFFI:CE
SET FOR'l'B BELOW '1'0 FJ:RD OU'!' WHDB YOU CAN GET LEGAL BELl'.
LAWYERS REFERRAL SERVICE
cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013-3387
717-249-3166
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MAD: J. tJDllElIT to ASSOCIATES
BY: Hark J. UdreD, Esquire
AT~ I.D. NO. 04302
1040 N. ~INGS KIGBNAY, SUITE SOD
t"1nmRY KILL, NJ 08034
856-482-6900
ATTORNEY POR PLAIR'rIi'l!'
The Bank of New York, as
:Trustee Under the Pooling and
':Servicing Agreement Dated as
of February 28, '1997, Series
1997-A '
One Old Country Road
Suite 375
Carle Place, NY 11514
Plaintiff
: COURT OF COMMON PLEAS
: CIVIL DIVISION
: Cumberland County
v.
.
.
C. David Spealman
Louise A. Devaric
n/k/a Louise A. Spealman
158 Kline Road
Shippensburg, PA 17257
:NO.
United States of ,America
Federal Building
228 Walnut Street
P.O. Box 11754
Harrisburg, PA 17108
Defendant(s)
COMPLAINT IN MORTGAGE FORECLOSURE
YOU HAVE BEEN SUED IN COURT. If you wish to defend against the
claims set forth in the following pages, you must take action
within twenty (20) days after this Complaint and Notice are served,
by entering a written appearance personally or by attorney and
filing in writing with the Court your defenses or objections to the
claims set forth against you., You are warned that if you fail to
do so the case may proceed without you and a judgment may be
entered against you by the Court without further notice for any
money claimed in the Complaint or for any other claim or relief
requested by the Plaintiff. You may lose money or property or
other rights important to you.
YOU SKOULD TAXE mIS PAPER TO YOUR LAWYER AT ONCE. Il!' YOU DO NOT
KAVE A LAWYER OR CUNOT Al!'l!'ORD OD, GO TO OR TELEPKOD THE OFFICE
SET l!'ORTH BELOW TO PIND OUT WORE YOU CAN GET LEGAL DLP.
LAWYERS REFERRAL SERVICE
cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013-3387
717-249-3166
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llvrso
Le han demandado a usted en la corte. Si usted quiere defenderse
de estas demandas expuestas ,en las paginas siguientes, usted tiene
v~inte (20) dias de plazo al partir de la fe$ de la demanda y la
notificacion. Race falta ascentar una comparencia escrita 0 en
persona 0 con un abogado y entregar a la corte en forma escrita sus
,:defensas 0 sus objeciones alas demandas en contra de su persona.
Sea avisado que si usted no se dafiende, la corte tomara medidaa y
puede continuar la deJll..nda en contra suya sin previa aviso 0
notificacion. Ademas, la corte puede decidir a favor del
demandante y requiere que usted cumpla con todas las provisiones de
esta demanda. Usted puede perder dinero 0 sus propiedades u otros
derechos importantes para usted.
, 1 . ,
LLBVB :lSTA DDAlmA A tIN ABOGADO TMlnmtATAlui1n:.IS, SI JIIO TIDE ABOGllDO
o SX JIIO TJ:ENB BL- DDnmO SUFJ:CJ:ER'l'B DB PAGAIt. orAL SBItVXCJ:O, VllYA D
PERSONA 0 LLAHB POll. TBLEl!'ONO A LA OI'ICJ:NA CUYA DXUCCIOIl' SB
EHCUBR'l'JiI.A BSCRITA ABAJO PAllA AVBJI.IG11U DORDB SBPUEDB CONSBGUrll.
ASJ:STERCrA LBGAL.
Cumberland County BiII1' Association
2 Liberty Avenue
Carlisle, P A 17013-3387
717-249-3166
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NOTICE
The amount of your debt is as stated in the attached document. The name of the creditor
~ whom the debt is owed is as named in the attached document. Unless YOlll notify us within
30 days after receipt of this Notice and the attached document that the validity of the stated
debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us
in writing of a dispute within the 30 day period, we will obtain verification of the debt or a
copy of a judgment against you,. and mail it to you. If you do not dispate the debt, it is not an
admission ofliabDity on y~ur part. Also, apon your written request within the 30 day period,
we will provide you with the name and address of the original creditor if ditIerent from the
, \
current creditor.
If you notify us in writing within the 30 day period as stated above, we will cease coDection
of your debt, or any disputed portion of it, until we obtain the information that is required, .
and mail it to. you. Once we have mailed to you the required information, we will then
continue the collection of your debt.
This law firm. is deemed to be a debt collector and this Notice and the attached document is
an attempt to coll~ct a debt, and any information obtained will be used for that purpose.
LAW OFFlCES OF MARKJ. UDREN
Is! Mark J. Udren, Esquire
1040 N. Kings Highway, Suite SOO
Cherry BiD, NJ 08034
(856) 482-6900
~-
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1. Plaintiff is the Corporation designated as such in the
caption on a preceding page. If Plaintiff is an assignee then it
is such by virtue of the following recorded assignments:
Assignor: TMS Mortgage Inc. dba The Money Store
Assignee: The Bank of New York
.Recording Date: 12/13/99 Book: 633 Page: 310
. 2. Defendant(s), C. David'Spealman and Louise A. Devaric
n/k/a Louise A. Spealman are the individual(s) designated as such
on the caption, whose last known address is as set forth in the
cap1;ion, and unless designated otherwise, are the' real owner (s) and
mortgagor(s) of the premises being foreclosed. Defendant, The
United States of America is a.Defendaht by virtue of a jUdgment,
lien, or other interest in the mortgaged property. Evidence of the
USA's interest is attached hereto.
3. on or about the date appearing on the Mortgage
.
hereinafter described, at the instance and request of Defendant(s),
Plaintiff (or its predecessor, hereinafter called Plaintiff) loaned
to the Defendant (s) the SUIII appearing on said Mortgage,
which
Mortgage was executed and delivered to Plaintiff as security for
the indebt.edness.
Said Mortgage is incorporated herein by
reference in accordance with Pa.R.C.P. 1019 (g).
The information regarding the Mortgage, being foreclosed is as
follows:
MORTGAGED PREMISES: 158 Kline
MUNICIPALITY/TOWNSHIP/BOROUGH:
COUNTY: CUmberland
DATE EXECUTED: 11/22/96
DATE RECORDED: 11/27/96 BOOK: 1353
Road
Southampton Township
PAGE: 1070
The legal description of the mortgaged premises is attached hereto
and made part hereof.
4. Said Mortgage is in default because the required payments
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have not been made as set forth below, and by its terms, upon
breach and failure to cure said breach after notice, all sums
secured by said Mortgage, together with other charges authorized by
said Mortgage itemized below, shall be immediately due.
5. After demand, the Defendant (s) continues to fail or
refuses to comply with the terms of the Note as follows:
(a) by failing or refusing to pay the installments of
principal and interest when due in the amounts indicated
below;
(b) by failing or refusing to pay other charges, if any,
indicated below.
6. The following amounts are due on the said Mortgage as of
5/2/00:'
Principal of debt due and unpaid
Interest at 12.00% from 3/1/99
to 5/2/00
(the per diem interest accruing on
this debt is $11.18 and that sum
should be added each day after
5/2/00)
$34,000.00
4,796.22
. '1'i tIe Report
250.00
..
Court Costs (anticipated, excluding
Sheriff's Sale costs)
Escrow OVerdraft/(Balance)
(The monthly escrow on this account
, is $0.00 and that sum should
be 'added on the first of each
month after 5/2/00)
Late Charges
(monthly late charge of $35.81
should be added on the fifteenth of
each month after 5/2/00)
280.00
0.00
1,074.35
Other Fees
Attorneys Fees (anticipated and actual
to 5% of principal)
TOTAL
20.00
1,700 00
$42,120.57
7. The attorney's fee set forth above are in conformity with
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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 in accordance with the reduction provisions of
~ct 6, if applicable.
, 8. Notice of Intention to Foreclose under Act 6 of 1974 of' the
C01lllllonwealth of Pennsylvania has been sent to each Defendant,
certified mail, in accordance with the requirements of that act,
and. copy(s) are' attached hereto as Exhibit RAR and made part
hereof.
The notice specified by the Pennsylvania Homeowner's
Emergency Mortgage Assistance Program, Act 91 of 1983, has not been
sent because the Mortgage over 24 months delinquent, and the notice
, . d
is therefore not requ1re .
WHEREFORE, the plaintiff demands judgment, in rem, against the
Defendant(s) herein in the sum of $42,120.57, plus interest, costs
and attorneys fees as more fully set forth in the Complaint, and:
for foreclosure and sale of the Mortgaged premises.
'--rL/
Mark J. Udren, ESQUIRE
MARK J. ODREN &: ASSOCIATES
Attorney for Plaintiff
Attorney I'.D. No. 04302
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/
IAW OFFICES
MARK J. UDREN & ASSOCIATES
1040 NORTH KINGS HIGHWAY
SUITE 500
CHERRY Il1U.., NEW JERSEY (18034
856. m. 6900
FAX: 856. m .1199
MARK J. UDllJlNe
87UART WlNNBG**
GU'L SPIVAK OllLO_
HB1DI R. SPIVAK""
CBIIIS2'OPBER J; ~
CORlNA~
~~I"A,"
~,NJ',JtA
DNA MARIE RIClI
ClmCBADIllNII2ZU'O.I
PBNNm.VANlA. OPFlCll
:u NORT1l ME1l1ON A VENrl1l
svrrB :uti
B1lYN MAII'R, PA utIlO
:US-S~!I5t1O
:ns.s~1l41 FAK
1l1lRnnTR MAC
PRNNSYT.VANlA
DESTGNATF.n CnlJN.~RT
PLEA&B IlBSI'OND TO N1IW JEBSBY OPFlCll
,
May 2, 2000
CERTIFIE:Q MAIL
RETURN RECEIPT REQUESTED
ARTICLE #7099 3400 OOO~ 4208 3299
C. DAVID SPEALMAN
~58 IUine Road
Shippensburg, PA ~7257
Re: . Servicer/Mortgagee:
MortgliLgor:
Loan No: :"'"
PremiseS:
The Bank of New York, as Trustee under
the Pooling &: Servicing Agreement, dated
as of February 28, ~997,Series ~997-A
'C. David Spealman
Louise A. Devaric n/k./a Louise A. Spealman
8~00492~
158 Kline Road, Shippensburg, PA 17257
MOTrc_ OJ!' D_J!'1DLT liMn :IJ!lI-rJ5JA':tOM TO T1l1Ml! 1C!'l'rOJl
Dear Borrower (s) :
The Bank of' New York, as Trustee under the pooling &: Servicing
Agreement, dated as of February 28, ~997, Series 1997-A, is the
holder or servicer of your Promissory Note and Mortgage on the
above premises (the nPremises.) securing the Note. You are in
default of certain obligations under these documents as follows:
You have failed to make monthly payments in the amount of
$358.~0 for April, 1999 through May, 2000.
l,.;..v~ltaBIT A
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Page Two
Failure to cure the default as specified, may result in
acceleration of the sums secured by your Mortgage, foreclosure by
judicial proceedings and sale of the Premises. '
You can avoid, the above actions by making payment to us of
$6,107.75, which includes all accrued late charges, costs, and
attorney's fees incurred to date. You may cures this default within
(30) days of the date of this letter, by paying to us the above
amount of $6,1.07.75, plus any additional monthly payments and late
charges which may fall due during this period.
If your mortgage so provides, you have the right to reinstate
after acceleration and the right to assert in the foreclosure
, proceedings the non-existence -of a default or any other defense to
acceleration and foreclosure.
,Only if your Mortgage so provides, notwithstanding
acceleration of the sums secured by the Mortgage, you shall have
the right to have any proceedings begun by us to enforce the
Mortgage discontinued anytime prior to at least one hour prior to
the commencement of bidding at a Sheriff's sale or other sale
pursuant to the Mortgage, if you comply with its requirements
allowing such reinstatement.
You may cure your default by making payment of the amounts
indicated'above to us at the address on the letterhead.
I urge you to contact the undersigned promptly upon receipt of
this letter,. . '
Very truly ypurs,
J t1DREN ESQUIRE
M..L/at~ ' "
~~~ First Class Mail
d.... '.
~
__~::'i
NOTICE
The amount of your debt Is as stated in the attached document. The name of the creditor
, to whom the debt Is owed Is as named in the attached document. Unless you notify us within ,
30 days after receipt of this Notice and the attached document that the validity of the stated
debt, or any portion of it, Is disputed, we wiD assume that the debt Is valid. If you do notify us
in Writing of a dispute within the 30 day period, we Win obtain verification of the debt or a
, copy of a judgJnent llgllfn"t you, and JDliiI it to yon. If you do not dispute the debt, it Is not an
, ,
admission of liability on your part. Also, upon your written request within the 30 day period,
\
we will provide you with the Dame and address of the original creditor if different from the
current creditor.
If you notify us in writing within the 30 day period as stated above, we will cease conection,
of your debt, or any disputed portiOD of it, until we obtain the information that Is required
and man it to you. Once 'we have maned to you the required information, we wiD then
continue the coUediGn of your debt.
This law firm Is deemed to be a debt coDectorand this Notice and the attached document Is
an attempt to collect a debt, and any information obtained will be used for that purpose.
LAW OFFICES OF MARKJ. WREN
Is! Mark J. Udren, Esquire
1040 N. Kings mghway; Suite 500
Cherry Hill, NJ 08034
(856) 482-6900
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lAW OFFICES
MARK J. UDREN & ASSOCIATES
1040 NORTH KINGS HIGHWAY
SUITBSOO
CHERRY l11IL, NEW 1ERSEY 08034
BS6 . 48Z . 6900
FAX: 856. 482 . 1199
MAR&' r. lJDR1l1P
STUAl/T WlNNBG-
GAll. SPWAK OJtI.Ol1ll*O'>
11BJ1J1 R. SPW.u-o
ClllUS7'01'l1B1l J. FOZO"
CORINA. ~
~".\JIA,A
-.mIlTI'BD NI, "A
77NA MA.JUE BlCH
--
PBNNSF1.VA,NU OFFlCll
24 NOlrl'IllllIRION AVIlNl1B
SU1T814tJ
BUN AM~ PA.l!J/J10
~
2ls-s68-1141 FAX
FllF.nDm MA.C
PENNSYT.VANTA
DESIGN A TEn cnUNSEL
PlEASB RESPOND TO NEW rBBSEr OFFlCll
,
\
May 2, 2000
CERTIFI~ MAII.
RETtmN RECEIPT REQUESTED
ARTICLE #7099 3400 0001 4208 3229
LOUISE A. DEVARIC SPEAIrMAN a/k/a LOUISE A. SPEAIrMAN
158 Kline Road.
Shippensburg, PA 17257
Re:
Servicer/Mortgagee:
The Bank of New York, as Trustee under
the Pooling << servicing Agreement, dated
as of February 28, 1997, Series 1997-A
C. David Spe..1man
Louise A. Devaric n/k/a Louise A. Spe..1m,""
81004921
158 Kline Road, Shippensburg, PA 17257
Mortgagor:
I.oan No.:'
Premises:
HOT:IC!B o:r DBl!'AM.T AlII]) Dn,,,,NT:rOlr TO '1'1.11'. AC!T:IOlr
Dear Borrower,(s) :
The Bank of New York, as Trustee under the Pooling << Servicing
Agreement, dated as of February 28, 1997, Series 1997-A, is the
holder or servicer of your Promissory Note and Mortgage on the
above premises (the D Premises R) securing the Note. You are in
default of certain obligations under these documents as follows:
You have failed to make monthly payments in the amount of
$358.10 for April, 1999 through May, 2000.
~""""~ ~
~_ -,"' ",_..do""';"",.
Page Two
Pailure to cure the default as specified may result in
acceleration of the sums secured by your Mortgage, foreclosure by
judicial proceedings and sale of the Premises.
You can avoid the above actions by making payment to us of
$6,107; 75, which' includes all accrued late charges, costs, and
attorney's fees incurred to date. You may cures this default within
(30) days of the date of this letter, by paying to us the ab01Te
amount of $6,107. 7S, plus any additional monthly payments and late
charges which may fall due during this period.
If your mortgage so provides, you have the right to reinstate
after acceleration and the right to assert in the foreclosure
. proceedings the non-existence of a default or any other defense to
acceleration and foreclosure.
Only if, your Mortgage so provides, notwithstanding
acceleration of the'swns secured by the Mortgage, you shall have
the right to have any proceedings begun by us to enforce the
Mortgage discontinued anytime prior to at least one hour prior to
the commencement of bidding at a .Sheriff' s sale or other sale
pursuant 'to the Mortgage, if you comply with its requirements
allowing such reinstatement.
You may cure your default by making payment of the amounts
indicated 'above to us at the address on the letterhead.
I urge you to contact the undersigned promptly upon receipt of
this letter. .
""_-h.
"
Very truly ~s,
J. tlDREN, ESQUIRE
I'ath
cc: First Class Mail
"'""-
,
,
''''''d
NOTICE
The amount of your debt is as stated in the attached document. The name of the creditor
.'to whom the debt is owed is as named in the attac:ll:ted document. Unless you notify us within
30 days after receipt of this Notice and the attached document that the validity of the stated
debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us
in writiug of. dispute Within the 30 day period, we wiD obtain verification of the debt or a
, copy of a judgment agaill~t you, and maD it to you. If you do not dispute the debt, it is not an
admission of liabmty on your part. Also, 11poIl yoUr writtw request within the 30 day period,
,
we wiD provide you with the name and address of the original creditor if different from the
current creditor.
If you notify us in writing within the 30 day period as stated above, we will cease collection
of your debt, or any disputed portion of it, until we obtain the information that is required
and mail it to you. Once we have mailed to YOll the required information, we wiD then
continue the coUection of your debt.
This law firm is deemed to be a debt collector and this Notice and the attached document is
an attempt to collect a debt, and any information obtained wiD be used for that purpose.
LAW OmCES OF MARKJ. WREN
Is! Mark J. Udren, Esquire
1040 N. Kings Highway, Suite soo
Cherry BiD, NJ 08034
(856) 482-6900
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VERIFIC:Il.TION
Mark J. Udren, Esquire, hereby states that he is the attorney
for the Plaintiff, a corporation unless designated otherwise; that
,he is authorized to take this Verification and does so because of
the exigencies regarding this matter, and because Plaintiff must
verify much of the information through agents, and because he has
personal knowledge of some of the facts averred in the foregoing
pleading; and that the statements made in the foregoing pleading
are true and correct to the best of his knowledge, information and
belief and the source of his information is public records and
repor~s of Plaintiff's agents. The undersigned understands that
this statement herein is made subject to the penalties of 18
Pa.C.S. Section 4904 relating to unsworn falsification to
authorities.
\..Jfi/
Mark J. Udren, ESQUIRE
MARK J. ODREN &: ASSOCIATES
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THE BANK OF NEW YORK, as
Trustee Under the Pooling and
Servicing Agreement Dated as of
February 28, 1997, Series 1997-A
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO, 00-3519 - CIVIL
v,
C, DAVID SPEALMAN, LOUISE A,
DEVARIC, a/k/a LOUISE A,
SPEALMAN and UNITED STATES
OF AMERICA,
Defendants
TO: Plaintiff
YOU ARE HEREBY NOTIFIED TO
PLEAD TO THE ENCLOSED
NEW MATTER WITHIN TWENTY
(20) DAYS FROM THE DATE OF
SERVICE HEREOF OR A DEFAULT
JUDGMENT MAY BE ENTERED
AGAIN T YOU.
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FOR DEFENDANTS
DEFENDANTS' ANSWER WITH NEW MATTER TO PLAINTIFF'S COMPLAINT
IN MORTGAGE FORECLOSURE
AND NOW, come Defendants, C. David Spealman, Louise A,
Spealman, a/k/a Louise A. Devaric, by and through their counsel,
Cunningham & Chernicoff, P, C" and files their Answer to the
Plaintiff's Complaint in Mortgage Foreclosure, and in support
thereof, avers as follows:
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1, After reasonable investigation, Defendants C, David
Spealman and Louise A, Spealman are without knowledge or
information sufficient to admit or deny the averments contained in
Paragraph 1, and strict proof thereof is demanded, if relevant, at
time of trial.
2. Denied, It is specifically denied that Defendants
Spealman are the real owners and mortgagors of the premises
referred to in Paragraph 2 of Plaintiff's Complaint. It is further
denied that evidence of United States of America's interest in the
subject property is attached to Plaintiff's Complaint. As further
answer, Defendants incorporate Paragraphs 9 through 20 of their New
Matter herein by reference,
3, Admitted,
4, The averments contained within Paragraph 4 represent
conclusions of law to which no responsive pleading is required, and
such averment is therefore denied. As further answer, Defendants
specifically deny that the mortgage referred to in Paragraph 4 of
Plaintiff's Complaint is in default for the reasons were fully set
forth in paragraphs 9 through 20 of Defendant's New Matter herein
incorporated by reference.
2
.
5, Denied as stated, Defendants Spealman are not subject
to the terms of any "Note" in favor of the Plaintiff and therefore
are not required to pay installments of principal, interest, or
other charges, for the reasons more fully set forth in paragraphs
9 through 20 of Defendant's New Matter, herein incorporated by
reference,
6. The averments contained within Paragraph 6 represent
conclusions of law to which no responsive pleading is required, and
such averment is therefore denied, As further answer, Defendants
Spealman are no longer parties to the Mortgage referred to in
Paragraph 6 of Plaintiff's Complaint for the reasons more fully set
forth in Paragraphs 9 through 20 of Defendant's New Matter, herein
incorporated by reference, Accordingly, Defendants specifically
deny any implication that they are responsible for the amounts
listed as due and owing on the aforementioned Mortgage in Paragraph
6 of Plaintiff's Complaint.
7. The averments contained within Paragraph 7 represent
conclusions of law to which no responsive pleading is required, and
such averment is therefore denied,
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8, The averments contained wi thin Paragraph 8 of
Plaintiff's Complaint represent conclusions of law to which no
response is required, as such averments are therefore denied.
WHEREFORE, Defendants respectfully request judgment in their
favor and against Plaintiff, and ask this honorable Court to
dismiss Plaintiff's claim with prejudice,
NEW MATTER
MOOTNESS
9, On or about January 14, 1998, C, David Spealman filed
his voluntary Petition for relief under Chapter 13 of the United
States Bankruptcy Code ("Code"). Thereafter, on October 27, 1999
his case was converted to the Chapter 7 proceeding under the Code,
and Markian R. Slobodian, Esquire, was appointed Chapter 7 Trustee,
10, At the time Defendant C, David Spealman's Chapter 13
case was converted to a Chapter 7 proceeding, Defendant C, David
Spealman, along with his wife, Defendant Louise A, Spealman, owned
the property located at and known as 158 Kline Road, Shippensburg,
Cumberland County, Pennsylvania (the "Real Property"),
4
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11. At the time C, David Spealman's Chapter 13 proceeding
was converted to one under Chapter 7 of the Code, the Trustee took
possession of all property of Defendant C, David Spealman's estate,
including the above referenced Real Property,
12. On or about July 19, 2000, the Trustee filed his Motion
to Approve the Sale of the aforementioned Real property free and
clear of liens, claims and encumbrances, A true and correct copy
of the Motion is attached hereto and incorporated herein as Exhibit
flAil.
13. The Motion provided for the proceeds from the sale to
be utilized to pay in full the sum owed to Allfirst Bank, as
secured by the Allfirst Bank Mortgage, Thereafter, any net
proceeds would be paid to The Money Store on account of the sum
owed to The Money Store as secured by The Money Store Mortgage,
14, A true and correct copy of the Trustee's Motion to
Approve Sale of Real Estate Free and Clear of Liens, Claims and
Encumbrances was served by first-class mail, postage prepaid, on
The Money Store at 1100 Corporate Center Drive, Raleigh, North
Carolina 27607, on July 19, 2000,
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15, A Notice to creditors and other parties in interest of
the sale of Real Property free and clear of liens, claims and
encumbrances and distribution of proceeds was served upon The Money
Store on or about July 20, 2000, A true and correct copy of the
Notice is attached hereto and labeled as Exhibit "B",
16. The Notice provided, in part, that a copy of any
objection to the Motion must be served on the Chapter 7 Trustee,
Markian R, Slobodian, Esquire, with copy to Debtor's counsel,
Robert E, Chernicoff, Esquire, on or before the close of business
ten (10) days from the date of the Notice,
17, Neither the Chapter 7 Trustee nor the Debtor's counsel
received an objection to the Notice from The Money Store,
18. On August 1, 2000, the Court entered an Order approving
the sale of Real Property free and clear of liens, claims and
encumbrances and approving distribution of proceeds as set forth in
the Motion, A true and correct photocopy of the signed Order is
attached hereto as Exhibit "C",
19, On Monday, August 14, 2000 at approximately 2:00 p,m"
and pursuant to the aforementioned Court Order, Defendants Spealman
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sold the Real Property which is the subj ect of the Plaintiff I s
Complaint in Mortgage Foreclosure to an unrelated third party, A
true and correct photocopy of the HUD-1 Settlement Sheet is
attached hereto as Exhibit "D",
20, At settlement, all terms of the Bankruptcy Court's
Order were complied with. Specifically, a check in the amount of
$4,359,11, representing the net proceeds from the sale after costs
and payment in full to the first priority mortgage holder, was
placed in the first class mail addressed to The Money Store in
accordance wi th the Court I s Order. A true and correct photocopy of
the check forwarded to Plaintiff is attached hereto and labeled as
Exhibit "E",
7
WHEREFORE, Defendants respectfully requests that judgment be
entered in their favor and against Plaintiff and ask that this
Honorable Court dismiss Plaintiff's Complaint with prejudice.
Respectfully submitted,
CUNNINGHAM & CHERNICOFF, P,C,
Date:
'8, I "t-Oe
By:
He ry , Van
I,D, #83087
2320 North Second Street
P,O, Box 60457
Harrisburg, PA 17106-0457
(717) 238-6570
(Attorneys for Defendant)
F:\HOME\MSM\DOCS\ANSWERS\Spealman
8
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VERIFICATION
COMMONWEALTH OF PENNSYLVANIA
ss:
COUNTY OF DAUPHIN
I, Henry W. Van Eck, Esquire, being duly sworn according to
law, deposes and says that he is the attorney for Defendants, in
the within action; that the Defendants cannot make verification to
the Answer to Plaintiff's Complaint in Mortgage Foreclosure because
Defendants cannot timely come to Harrisburg to sign this
Verification; that the Defendants cannot travel to Harrisburg,
Pennsylvania to execute this Verification prior to the filing of
the Answer to Plaintiff's Complaint in Mortgage Foreclosure; that
it would be inconvenient for Defendants to travel to Harrisburg,
Pennsylvania to file the Answer to Plaintiff's Complaint in
Mortgage Foreclosure personally; and that the facts set forth in
the foregoing Answer to Plaintiff's Complaint in Mortgage
Foreclosure are true and correct to the best of their knowledge,
information and belief,
U)r Lk
Van Eck, Esquire
SWORN and Subscribed to
before me this 18th day
of August, 2000,/.1
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NOTARY PUBLIC
Notarial Seal
Linda B. Deaven. Notary Public
Harrisburg, Dauphin County
My Commission Expires Feb. 25. 2002
Member. PennsylVania AssoCtaliollo1 Notane.
"..Illt.:.
, .
IN THE UNITED STATES BANKRUPTCY COURT
FOR THE MIDDLE DISTRICT OF PENNSYLVANIA
In re:
[-;
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C, DAVID SPEALMAN,
a/k/a CARL DAVID SPEALMAN,
CASE NO, 1-98-00205
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CHAPTER 7
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Debtor
TRUSTEE'S MOTION TO APPROVE SALE OF REAL ESTATE
FREE AND CLEAR OF LIENS. CLAIMS AND ENCUMBRANCES
f/
The Motion of Markian R, Slobodian. the Chapter 7 Trustee in
the above captioned case (the "Trustee") to Approve the Sale of
Real Estate Free and Clear of Liens, Claims and Encumbrances, is
as follows:
1, On or about January 14. 1998, C, David Spealman
("Mr. Spealman" or "Debtor") filed his voluntary Petition for
relief under Chapter 13 of the United States Bankruptcy Code
("Code"), Thereafter. on October 27. 1999, his case was
converted to a 9hapter 7 case.
2. Mr. Spealman, along with his wife Louise A.
Spealman, owns an improved parcel of land, containing 0.73 acres,
more or less, located at and known as 158 Kline Road,
Shippensburg, Cumberland County, Pennsylvania, also known as
Cumberland County Tax Parcel No. 39-32-2285-007, on which exists
the Debtor's residence (the "Property"),
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3. Mr. Spealman, together with his wife, has entered
into an Agreement for the Sale of Real Estate (the "Agreement")
with James W, Kendall (the "Buyer"), dated and accepted April 24,
2000, Attached hereto as Exhibit "A" is a true and correct
photocopy of the Agreement.
4, Debtor proposes to sell the Property to Buyer for
the sum of Fifty-Five Thousand and 00/100 Dollars ($55,000.00).
5, Debtor and Trustee believe that the purchase price
, for the Property constitutes fair and reasonable consideration,
Further, the Buyer is an unrelated party to the Debtor and it is
believed that the sale is a sale in good faith under Section
363(m) of the Bankruptcy Code,
6. The Debtor's interest in the Property may be subject
to the following judgments, mortgages, liens, encumbrances and
other claims (collectively, the "Liens and Claims") :
(a) Mortgage in favor of Dauphin Deposit Bank &
Trust Company, in the principal amount of $58,000.00, dated May
28, 1987, recorded on or about May 28, 1987 in Cumberland County
Mortgage Book 866, Page 174 (the "Allfirst Mortgage"), First
Union National Bank is the successor-by-merger to Dauphin Deposit
Bank & Trust Company, the initial mortgagee, As of April 30,
2000, Allfirst Bank is owed the sum of $39,592,55, plus
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additional interest and charges,
(b) Mortgage in favor of The Money Store/TMS
Mortgage Co., in the principal amount of $34,000,00, dated
November 22, 1996, recorded on or about November 27, 1996 in
Cumberland County Mortgage Book 1353, Page 1070 (the "Money Store
Mortgage"), The Money Store assigned the mortgage to The Bank of
New York, as trustee, on March 8, 1999 and again on December 13,
1999.
(c) Judgment in favor of First Union National Bank,
in the amount of $560,292,67, docketed to #490-N-1997, entered in
Dauphin county on February 26, 1997, and exemplified in
Cumberland County on June 3, 1997.
(d) Judgment in favor of Mayfair Creamery in the
amount of $24,800,34, docketed to #1994-955, entered on February
28, 1994.
(e) Real estate taxes for 1998 and 1999 and any
other taxes returned delinquent to the Cumberland County Tax
Claim Bureau.
(f) Unpaid 2000 county, township, library, and
school district real estate taxes,
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7, Mr, Spealman and the Trustee seek to sell the
Property free and clear of all claims of Louise A. Spealman,
pursuant to Bankruptcy Code Section 363(f) and (g), Louise A.
Spealman has consented to the sale of the property,
8, The Property shall be sold free and clear of all
liens, encumbrances, claims and interests of any nature
whatsoever.
9, Debtor and Trustee propose to pay costs and expenses
associated with the sale of the Property as follows:
a. Any notarization, incidental recording charges,
abstract fees, and closing costs customarily required to be paid
by the Debtor, as seller,
b. Any past-due real estate taxes and present real
estate taxes owed on the 'Property, prorated to the date of
closing,
c. Transfer tax, if any, imposed on conveyance of
the Property up to one percent (1,0%) of the total purchase price
consideration.
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d. All costs associated with the Trustee's
administration of the proceeds of the sale, including the
presentation of this Motion, in the amount of $1,000.00, subject
to further review and approval of the Court,
e, The sum of $1,000.00 to the Trustee's Estate
Account for the benefit of general unsecured creditors,
f. All costs associated with the preparation of
the conveyance instruments, and normal services with respect to
closing, including legal fees owed to Cunningham & Chernicoff,
P,C" in connection with the negotiation of the Agreement, and
the preparation and effectuating the closing, in the amount of
$3,000,00.
10. Subsequent to the payment of the costs of sale as
set forth above in Paragraph 9 above, Debtor proposes to pay all
past due and present real estate taxes, prorated to the date of
the sale, Thereafter, the proceeds will be utilized to pay in
full the sum owed to Allfirst Bank as secured by the Allfirst
Mortgage, Thereafter, any net proceeds would be paid to The
Money Store on account of the sum owed to The Money Store as
secured by The Money Store Mortgage,
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11. In the event there is a dispute as to the
disposition of the proceeds net of the sale, the Debtor requests
the approval of the sale with any disputed proceeds to be
escrowed,
WHEREFORE, Markian R, Slobodian, Esquire, Chapter 7 Trustee
herein, respectfully requests that this Honorable Court enter an
Order:
a, Approving the sale of the Property, free and
clear of any claim or interest of Louis A. Spealman, pursuant to
Bankruptcy Code Section 363(f) and (g), and free and clear of all
liens, claims, and encumbrances except for those claims that
consist of easements for utilities and rights-of-way of record;
b, Approving payment of the costs and expenses
involved in the sale as set forth above in Paragraph 9;
c. Providing for payment of the net proceeds to
lienholders in the order of the priority stated in Paragraph 10;
d. Authorizing and ordering the Debtor and Louise
A. Spealman to execute any and all documents necessary to
effectuate the sale of the Property and the Equipment; and
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e. Providing such other and further relief as is
just and proper.
Respectfully submitted,
By:
Markian R. Slobodian, Esquire
801 North Second Street
P, O. Box 11967
Harrisburg, PA 17108-1967
(717) 232-5180
1-<'~
Date:
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Chapter 7 Trustee
f:\home\msm\docs\motions\speaLman
E X H I BIT
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STANDARD AGREEMENT FOR THE SALE OF REAL ESTATE
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PA LICENSED BROKER
I..ISTINC 8R.OKER (COmpIUl7)
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ADDRESS
PH FAX
DESIGNAl'EIlAGENT rOR SELLI!ll (It appl1ca11'"
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PA UaNSED BROKi:R
SELLING BROKER (C......,)
ADDRESS
PH FAX
DESIGNA7EII AGENT rOR IUYU. f" .ppllaWol
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SEU2a(S), C. DAVID &
158 nine ReI. .
aprU 2000
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8UYER(S): Ja.es W. E.eJWa11 or
6088 Hally Pitcher Ibry.
ASSIGNED
Chaab4rsburll. la. 17201
. called llJhayer."
2. PROnJlT'Y (1.ae) SeDer ~bl.Cf'MS to $ell and COIIYC1 to Bu1Cl'. who hen.)'.~ 10 patCh..:
ALL nuT CER.TAIN lot or piece oIlfOO1lcl with bundlnp and ,iaapronrriftttl 0Icre0a encttd. ttUQ'. bcnm as:
158 Dine Rd... Shi'DOenaburR. Pa. 17257
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J. TERMS (1.00)
(A) PvrcItaM. 'Price Wi 'r::? 9"i.... "l"hftll..."d nn 11.11'1".
00Il0n
.hidli will 1M paid 10 Seller b7 BUJeI' :u follows:
(8) CashordledcMsipin"dUsAQcemeaC
(0 Cab or c:beck whhin _day, of1be e:ucutioa oItbisA~1.:
(D)
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(p) Deposit! paid on IC:COUQI of put'dt* price 10 be held by Uwn. Broter. ullle&S 01herwisc stated hue:
55.000-
1)1).000.-
CAb. wh.ic,', or ccnifiod, cbedI: u dme: of settlement:
(0) Se.l1er', wriaallPPtO"aJ 10 be on Of bJorc: 28 Arrr1_1 2000
an StXtkmcm (4 be made ora OC' bel'0te: 30 JUDa 2000
(I) Conveyante from seUer wiD be l>>' fee Simple deed of special warrant)' uNeu othuwiJC SIlled heR:
(J) Plymcnc of rransfc:r ta:cet will be. divided equally betweeft Buyer and Sc1Jcf W'Iless ocbtrwisc swed hdc:
(K) At lime of secllemal.1.1ha tollowin. will bo adjusted prHlI&on ,daily buia; bccwac:o 8liycrand Soller, reimbu#ins 'Where lJIPIiclble: taxa;
ft:t\U; intcr=l on monpce U$U'Q\pt:iofts: COfIdomiaWm kcs and Ilomeownuuscidman _ if Iny. \Vlttr lDdIcwMWCffooa" Way. totedIer
\IfUh any olber1ienable municipal scrwice.1'be cbarps are 10 be prootMed forlba'period(s)~cmf: $1:l1cr"";11 ply lIP 10 11'I4 iDcludUlS_
cSale of senlemtnr:: Buycr w11l ply for all days foRowiq seuJcmmt, unless ~ Slated here:
.. FIX11JIlES . PE1ISONAL PROPERTY (1.ocl)
(A) INCLUDED ia rbis sale ud pu:rchasc price aM ad cdsr:ina: items pennaneruly insuIJcd in 1M Propeny. free rrllicns. iftchadint pJwnbift&:
hntins; liShcioS fi:uure, (induclJn& dwlddias ID4 ce:ninS rans): war IrCllIIUW systems; pool, sod sp. equipment; aance,door opctICI$
:and tranSnlillC:l"r, '*ridon U\~ sbrubbcr)'. plantinp and unpocted na; an)' re.maiGin1 bQlinllDll cool;lnc tuela ,1Ore4 011 die
froperty a11bc Iimc of uaIcmcftt; wall 10 walt carpetiar, window co"'crio; hard",... shades. blinds; bunt.in air corKtidonen: lluall.ia awn.
IDees: ud the rupJovcn WllcM ochcrwi.$G statod. Also ioc1lIded:
(B) LEAS'E.D items (lam, DOl 0WDed by SdJct):
(0 EXa.t1DED raxlUrtS .net imas:'
.. Sl'ECJAL CLAtlSES (1.00)
tA) 0 Buyer and Sdlct have I'CICCival the Consumer Noci<< u IlISoplcd by !be Swc ReII !ltu&C Comrailsion" 49 PI. Code t3S.366.
(I) 0 Bu)'Cl' aM Se1kr have receive&1 & lwernent 01 their ~ve estimated. c10Iinl cous bc:torc :lignina d'lis ~L
(0 Cl Buyer tw rece.i.~ the Se1lct', Property DbcloS\lrc Stltunenl Went sipins IhUApccmcnt.I'rcquired by law. (Sco Noci.cc., Wommicm
Rcprdi.nc the Seller's Propen:y Disc1ol.u~ Ace.) .
CD) 0 Bu)'Cl' bu rc=ivcd 1M Ocposil Money Notice (for coopcnrivc salea when Lislinc Bmer is ho1dinS deposir l'Aoney) 'ceCore sipne this
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l:I Sale.l: Settlemenl of Other PropeR)'
CondII,<ncy A_lPAR FoIm 130)
Cl Salo A Senlemw or emu Propeny COCICinscnr:y
....lch !tipt to ComiDue MutetiA. Addendum
(pAR """" 131)
(1) Buyer hereby discloses to
1EALTOR I INVESTOR
(G) Buyer reserves the right
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Seller that he 1, Petma~ liceused
to place deed to Corporation name
aT Ttusc
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StGtr Inl'dJil$:
corntCKT f'S.'j:qy1.VAl'l!A 4.SSOC1"TION or'lE..\1:rolSti I'"
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" ~ MORTGAGe CON1lN"E.~CV (1.00)
" 0 WAI\'lS.D. l'h'1"1e is NOT conlin&enc on rncnpsc titllncinc.
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79 (A) ~caklSc::cnrinpRIrpoftB\rftf~'I'I'lOftIqt"....:iItl.fol1ows:
" ), ~ofJlJonrplOMS 1S.000-
n 1, Minim.. term l.n )'CVI
11 J. T"jpeolmct1J"Je f't\VV ...nm<:.,."RTP ..... """" ~rrT'f
a 4, InlmS\' talC ~ tt,; hnwcYet. 8U7!t 'CI'tCS to accept tM butrtsl,..". IN.' be tonlmiltld " the _"PIe lender. DOC to
~ excetd a muimwn in1CrcK" ot 1.:) ,.
" ~, 'O\5CQW\t poina. \oM orlpaakrn.lot.n placement atIIS oUler r_ char;od 'oy u.. tender u. pcrl:a'Itap: ot 1M mOr1&l1c loan (cllcludidl
11 .n11'l\Oft&J.ae inswInccpaniuma orVAftlftdiq,fec)ftCKlOuccc:d 'otmemonpplG:WI.
11 Th:: i1ltl:ftSt ~ 3nd *' provisiON rcq,uftd by 8\1}'Q' an QtisfLOd if. mortpce.1ender lNkcs I'Waileb3e to BU)"I' 1M nthC to IUUII\lcC an
" inlQUI. rile II or \do.., 1M M.J;imum Ifttfil'Ul laIC cpecifiect hlrcilll wilh 1M percemap (ces aI or below tbc amowc specifie4 ~ BU)Ia'
Sf ,p'lt$,Sd\cr the ripe. u: $cIa', _ optioft and as ,amiad by the bdinc instiMion and, appUcab&e taws. to contribu~ fiuncial1y, wilbou1
11 p"om~ o( Mimbunc:n'lCllL fO the Buyer INJJot leader 1IO make the ,bow !ami a'llilabk 10 ."yer.
~ (8) WilhinlOdaysofd'le~oflhis~&.BU)'ttwillmatc.eccapltf2d"wrip=rnortaJ.CelllPticadonlO:LrUpoft$i'bIc~JcrId.
C3 in& iMi~tkft. The St:IDn; Broker, It an1. odle:rwi:s'l (he UaanS Brokw. it autbGrized to eomatlUlk::lle with dwltndtr l'of lbe 1*'JlOSII
If 01 asciIdQg III the dIOC"tIII' loan proctSIL
16 (C) 1. Upon receip 0' & mcnt2CC commicnenl.lluyer ~ Scllina Broker will JI'OI'ftPIly dc.Iivcr lL copy of Ihe CClfnmitmcnt to Listin& BlObi'.
II if u.y. ~isc!D Seller.
II 2. Monpaecornmim;m.daIe 15 J1m~ 2000 , If l wrictn commitmenl is not NOIriwed 'by
" Listina: 8rObr. it any. ochcrwise by Sdkr. by the cbo.-e'" ..,..... aacf SdIIf";tp'M &0 a&cft411M c:amm~r dace- uatiI SdIer,.....
" miMw WI Acreaneal ia 'lrridq.
. 3. Sd2erbIJ ih:opdolt (0 ram_iii: dUI~ in writillt.CC1 or alter -monPl' CClMUlmCrlldlIw. iflht motfJIIC~
" a. I$IQvsJ'Mt1lll1il1hcdaofscaJe:awm.0It.
U b. II CClfXIJrbd..lbe.. ~ atalemeat fII.., other JII'OSMf11,. 01.
a c. CoatainI any ocbtr condition hOC spcci6c4 in. dais ~L .
M 4.. 10 !be CVcral Scl1c:r dots DOC tcnninue IhiI A.poemenl u JlI'owidcd Ibove.IuJU hn lhI optiCIQ Q) amil'\lllll. this AI*ft'CM in wriIinI if
IS lIlI: morcpcc cammianeru:
Ii L 11 ~ obtIme4 ~ or vtrad amtl11lle due of SCIdemenl. OR.
fl b. Is conditioned upan the sale .ncI sttUane:n.I or la7 oCher Ift'OPeI1l' w1dch do I'IOC OCN' by lhD daIo ollCU1e2nent. Clk
" c. Conuins Illy o1hct ocnditioa noI specified in Thit A.pwnCnt which IlI)'tl'i, UMble to ~ by dIe:" of seU1ancn1.
" .5, U Ibis ApCl:l'llC:llI is ttrmiN1ed. III specified in pan.~' (C) (%). (3) Of (4).111 depoUttnOfties ~OI\ accou.rW. 01 pGR:bqc pric:c will
,OIl be rctUmcd to ''''yet. 8vyer IIIUl be rcsponsibll: fw any pmniUlN for moch8\id. Uen iDnrMce ..vur IiIJo $eIf'Cb. or tee for cancdblioa
~O~ of same. if any: AND/OR. any prctniWII (or Rood iftNrUCt arr6/ot fire inmInce wUh CUcNkd ~ iMlUIftQO lIindet ebar&es or
~ot CSMeI\ation fee, i.f ifty. AND/OR. 1ft)' tppmisaI fen aocI", ~ ill IdvInct 10 mocqpatleodef.
'03 (1)) If lhc: l'I\OftIAIC ienda req\lires rlpIin to 1ht PrOpeirt't, 9U)'WwiD. upDn teoeipr. cfd(vcr. copy o(1I\e rnonpp fQw:kr", RqUirtmencs 110 tJuina
1\1 Broker. if ~y. ~ to scUcr. SCUlt '11m, whhiQ s: day, 0' receiplofd\e lender', requirtma\llt. notify Buyer whether Scntr wbl ruIt:e: the.
11)$ rt(luind repairs II SelJa'" upcnae.
'" \, IIs.u..cbooJa 1O..w.... Buyer..,,_... Propmy""_IO'" REl.!ASB setlonh I. panppl\ 2S aldris_
tal 'Z. Ir Seiter chooelcs QOt to lNke lhc n:quind ~ &.ryer ..nil, widPn S dayS, GOtif)' $oller ia wridna o(Buyer'l ebokt co leImilUl dais
'01 Apeeme:nl 01. ~ 1he. ~uited ~irs ~ ~'s: o.pease _ wilb Seller's JlCflfti$sioa. which willl'lCK be IUIRaSOUbly witbbcld. 11
101 Seller 4eIIid BI.l)'U pmnitcian 10 m&Jte tK ttquited rq.ain. 8\1YC1' ma)'. widlln S cll.ys or Sc1lcr", 'dcniai. Icnninlle: Ibis A&mmeN. II
HI 9vye1' liIftninl._ 1I:ris A;roemenl. 111 depo$it monies plid on ICcOW'II of purdwe price will be reswnod promptly to Bu)V aa4 Ibis
U1 Apcmedfwin be VOID.
112 (E) Sdler Assht
m x:a::x NC'I'APPLICABLE
11& CI AnLICABU!. Sc11cr..."U pay.
115 C S . muimvm.1OWtId Buyer's CCSI:J" ptmUtred by die mcnpp: bdcr.
115 tJ
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PHANA,IF APPLICABLE
lFl I'J.""'..>ly_....~IIIy___ofdOs_Bo,yerwill...be.bIl......IOCOIIlJ'letedlopun:Jwoof... '"
Preptit)' detcn'bed herein t1r1O illCllt an)' penalty by fodme of uiDuc ~ dcpOlsits or otherwise unless Buyer bas beeA PVerl, in ~
cktce wil:b,HUDmlAarVA rcquiremenu. &...-ritten swanetlIby,1he Federal Houirir\J CommisIioncr. Vctc::rus A:dmiftiseradon. OI'a Direct
~ tadct scbin& fOtdl1be lCl9n.iJed YI1\IC of lbc ~ 0' '* lcs$ than S (the cIoDar amoua: lO be
insetIed is the sales,price.. SlId in !his A~). B.,.. ..;u.'IIM!he pri...iJep and apcian of pRlCtC\diRJ with con.sununatioq ollb; eon-
na llrilho1.l1 reprl110 Ibt Imf.IUlIl or Ihc: wai- val_on. 11M: appniscd. valaaiion is.mYCd 3&10 cScttnnine die mWmum mocqaee the
~ o'Housina and Ulbm Development wm Laswe. WI) does nocwuranr the "'Ilue net the COI'dition ofllte Propeny. BU)ef Jh001d
wi>ly bJmoeJr_dI.1. dlo price 004...- of"" PIopcny..~
w>noln1> Scc:llonl010all''''18.1S.c.._.ofHooisbl&lIlllUlllln~pr_,_lor'''_ot,..1nIlo-
cncina in any"'~ ~ tctiOIlI of mch cSepanmen1... nW:es. puteI. 'G1IUS orpub1ishes laY afantnlknowinc Ibt same 10 be fIlM...1hd be
ftaed I\Ol men !baD SS.C<JO orimPdaoocd DOt men _ twO,..n. orbe4"
(0) us.~. or-,1ll4 U.... o..do.- (IIllI)) NDnC&to PlJaCIlASEaS:
)U7U''s ,.l'''m1'A l-.J"t.-A:
a 'Baye'Ms received 1M ktrD Nodce "Pot Your Proteccion: Oct. &me ln$ptc:6on'" (see Nodc.es aM Wonnation on Propeny CcndidoQ
lnspoolioos),B.,... undonllllds ... ;lOpo...... of """" 1ft indopondoN home ......lIlll his lhooch' obo.. d1b bel... sI&nlnc \Ilio
A........,<
JlII)'tr'slnilials Date
no Co-tlficatioa ~!be undcnia,ned. seU~s) snc! BU)U(s) partY 10 tfIb lnbSaCtion c::Kb ccnify dw the rams or IIIis cOnlnel torpurebue va
aue to 1bt 'be" of oarbawltdce 1M belief. 1M. thar an)' ocbcr apemeN CI'l~ imo by any ollbcse ~ in CQanIlCIloa with dhs.Q'VICIO-
rioQ is IUIchod to this ApemcnL
7. Il<SPU:TlO~ (1-98)
(A) SelkthcrCb)' I&reKfO pennitinspediollS b)' authori_~~CCltifiets. iasuzu's reprtSenwi~ sutYC)'ors., monicipalo8"lCiaIs:
and/or Bl,Iyer "" may'or& rtq\IiJed by Ihe '-dIns insdUldoM, it Inf, Of Uu.amnS.'udea. Seller iunher asms to pmnir Ill)' ocMr inspsc:dan&
rcquitcci by 01' provided (or in . ttnnS 01 dIis Ap:emcnr.
(B) Buyer ~ N ripe ao IftIJcc ..~Icmcn& ...Jk.dIroash inspection ollhc Property. 8V)"C1's ri&hl1O 1Mb Ibis ~ is DOC wai<ttd,
by any ocbcr pn:M$&<<\ of Ihi$ Aancmcnc.
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.. PROPERTY I~SPF.CT10i'oi CONT1NGF.NCY (1.(J(l) :lI.l
J:ji WAJvED. BII)'t, undel'"WMb th.I BII}CI' hIS lhe ~on !O ~ inspmiOM nlllw Propen)' (tee Pr~)' tnlpcc;rinn Ind l:iIwironmtmal '''1
Noriccs), BUYER WAIVES THJS omON o1I'ld 1IftCI1O the REl...BASS _ tanh in pan;raph 2.' 01 lhis ~ l~
C.et.2creD ' \~I
(A) W:dlin _<hi)" OrIN uec:utioo o(lhiIA~ B~er.., B\I)'t1's IKp8l'IM.IIlo:I)'choccc tn ~ intpec:'IiotlSlltdlorconiflcadonaeom. IU
p\ctc04 'or l~ Of od'<r-visc qu.sJiGed prorwionah (see P'ropeny lnspocrion Del EnvironmenQI Nccic~). Thil COl'fincencY dues '* ~y n,
It)tI'Ie(olto.....ict.uiuingoorMlitiClnslr'd/(ltill:m:l: 160
fB} Othtr ;:I'O<wisiol\s ot 1M Apeema1t 11'101)' provide; fur insp::lions mdlor catif'lCOIricns that ue noc wli~ or "fiend by BII)"U.s elccrioa ~:. \11
(Cl [f Buyer is nollOlrishc:d wim ~ condirion or the Property 1$ !.bled in an)' wriUCft 1'C9OIt, Bll)"U will. within Ihe limt Jive.. I'or completinc tS:
inspectiotts: 1fJ
a Opdoa 1 lit
I. Acc:qx 1M Property ""';Jh the ia(orrnaticn swed i1'lN ~,) WI aaree It) !he RELEASE WI fanh \n puolJr'lpb 2S or thi. Apeet1'IeQl. liS
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2. TmniNiIe Ihc ^cmmt<< in wrmnl by lIOlioe It) Li$tin, Brobt. ir :aD)', OIherwisc to ~11er, wilhin 1M time p..etl for in:tpoedoft. ill wbieh '&7
cue all deposit l1'lCfIa paid on ICCOWt of putt:twe price will be mumc:d prompdy 10 9uycr and th~ Apemem wUl be vom. tU
CJ Optioal 'I m
I. Ac:cc:pc: 1hc Propeny wim me intcrmMion swcd ill ,lhc ~s) and aaree to !be R.El.EASE SCl for1h in ~ 1S f1f lhl, As:reemw. 1111
UNLESS tbe.1JXIl CCSlIO ~oma dac eonditions CClDWned in die report(s) is more 1I\an S 171
2. 11 !he focal COlI to ccmC1 1M conditions ~ ill rJlc: rtpOft(s) EXaEDS Ihc amOlJl'll spec.itied in par:apph 8(C) (Opdoa 2) I. 1lZ
BuyCT wi1l dtli..- th. rwport(s) to Llstln. lroter, tflny, ot.hcrwi:lIIIlO~, ""hln the lira. =",en Ibr iMpedion, ' ltJ
L Seller wilL wilbin _ days or teeeivina: Ihc: rcport(s). iaronn B\l)'er in ....riDnS orSellu's choice' lO: m
(I) Make rtpairs 'before scuJcmcnc SO thu die l'UNinills CO$IIO rqJIirtoDdidoM contained in rhe 1'q)OCl(s) i. leu than or equal 10
1M :m\OlW spedGod in pmlgnph 8 (0 lOption 1) I.
(2) Credit Buyer U4~cmcnI (or me 4itrcwa ~ tho ~ ~ ofn:pairinS_ COIldhiool conWzwd in the npon($)
and the .ImOUM spccifted in pu'I.pIflb . (I:) (Opdoft 1) I. ThiI OIMiOft rnuIC _ aceplable 10 the I'ftCll'fPF lender. ir:lny.
(3) NOI'matel"qlQitlaNltlOtcredielU)'CtusellJerMclefcr_'1dCtcctaincood1fions:CONi.InocI indlef'e9Otl(s).
1l. It Seller chrma 10 maJce repUJs: 01 c:ctdic 'Buyct'., xn:Iecilea1..IJ*iW in t'IfIl'IP' 8 (C) (Opdon ~ 2" 8u1'" --ill ~..
ProptCt)' and apu 10 the 1tELEASB.. Ccnb ia puaarapIa 2S 01"", ApemaIL
c. If Seller cbooIa DOC 10 make cepaUs Inlf 1lQIlD CIIlfit 8l1)'V" scaIernent. fJIt II SelIc r. to cbooM _, option wIthiII die....
&Ivca. 8ll)'a'wiJI. widUn _days:
(1) AQcepIllle Propc:ny with dlc infomlariclft saze4 in the repon(l) IIfld. qRC 10 the. REl..EASE Cl tonh in pln4t2pb 2S 01 thi&
A_OR
(1) TerminaI:I!he ~ in wrilinC by QOCice to LisUnl Broker. if any, OUlUWlsc to Seiter, in which ease aU .11 mocia
paid on XOCUM of purcbue price wiD be teOJmCd promptly to Buyer UM.I this AptemeI\t ..,ill be VOID,
9, WOOD INFtST..nON COl'lTll<GENCY (HO)
o WAIVED, Buyulllldcntatlds 'lIW 8uyethaslhcopdontoreq,uestlt\aE1IIoPrapcnybe: itlspecscdrOtwood~by.ccnificdPc.uCcntcoI
Ope:rucr. BUYER. WAlves nus 0PTt0N' and acrea lOft RELEASE set rom in PllJIPFh Z ofdlis ~
nx=
IA) Wid'lin -60- d4ys of the euc:udon. of dris ApemenI. BIl)'U, U Bvya"s expenII, will obtUra a...nlllen .WOIJd.DaIrO)'iq Weee w.:.l:lIIIoa
lm~ Rcport" from l ctnirsed tat ContrOl Operuot- and wiD cllli". it IDd all cuwoni".l5oc:umenu and =Wil'lp provided by !be Pea
Comrol Opnlor to Usrinl Droller. ir any, otherwise 10 SeUer. The.." is 10 be.. saIlsfactot)l to and in ClOmpJlance 'M&h appJk&bk.lIYt'1.
mottpee: MId Wine insOMions.ltW'J/ol fedetall1lSllrinS and CiuaanteeinaAat:rrc'J tcqUiranaIlS. ir any. Tlle "".pci;rion wnt incl'" III *""
ily visib~ m4 aetU$ible ua.; or aU str'UCMa on !be Propedy h.ihe roUowina strI.Ieturca. ...hic:h win noI \Ie iupccted:
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(B) If !he inspeclioa moCl1s cvidc:nct of awe 'infCSCltion(s). Seller lIJUI. at SeDer., upeIlse aad before .u1emenl, (0 !leU for GYI We=- 1tI
Uon(,), in llCCOtdance w;mlflp1iCllble taws. ,"
(0 U dle inspeeUon rcvcsls lbN,e trom ICtive ill(eSQdon(s) orpftYiovs ia(~ Buyv, Ie Bll,.er', cqlCftlC, has the option ~ obcain a wnl- llO
Ietl report by I plOreuionsI conn:tOl'. borne inspection saW:e, 01' JUVCCUtaI mginecr1bat it limited 10 lCINCQIl'Il dtlcM&t 10 tho Propcny ClDSOCI :0'
by ~lI'O)'inI orpoisnu; and s pmposaIlO repair !be d:am:ap. Buyer wiU deliva die: S1rIICtucsl damap ft:potf and OOI\'C'Crivc ptOPClIlII to
wtint: Broker, ir &nY, C\Ihcrtftx to Sellu. wi1hin _ days oldeliverinllhc mJiNl inspec1ion ~
(0) Wnhin 5 dayS 01 reccivill' die swaurrl damaae report and tlllmIClive pIOpOIal. ScJ~ will advise Buyer whcthtr StUel \lfill~. II SeUet'S
e.xpe:nse ;and bcfon seatanerL any SInlC\UnI cbmqe from Jdivc fJIt prcovious infeIwioa(s).
(2) 1f Sdb' chooses to repair m.octunl c!unqt: reveaJcd'o)' lhe rcpon. RII)'tI' Aacees 10 KCCpC dw Pcopecty u repaired lUId~s 10 the IlELEASE
",rl<1llin""""""2.5 ollhb__
(F) If Setler cbooxs noc to repair SlnlaUI'II damap ~Ied b,. Ihr:: Mpoct or I'alIs to respond wilhln lb. time ptft. BU)'tT. widUn 5 ~)'S of
cecei...inS Selb', nocice. M11 tIOli!y Sdlet in wrUinc of BlI)'U"s ~cc TO:
I. Accept me. Ptopetty wich Ihc cIldias itvtalcd by dlc inspection. wi1hlM absaancnl 0' price and 2SftlC 1ft tile: 1U!LEASS _ (em ill pan-
_2.5ol"~A_OR
2. Make die repairs before sc:aIcmcnt. if ICqQiml by die l'ftOl'tCaP lctlda. ir 11I)'. II BuyCl"s exp::aIC and. willi Sellcr's perm1sdCft. 'Mlicb will
not be IIftreuonably wilbJld4. in which cue Buyer KCtplS 1M Pcopcny and apeu to !he RELW! set lri in puw.plph 15 01 Ibis
A.pcc:menL II SeI'" lbbcs Buya' permicsion to mab: IN rqrraif'S. hyer ""r. widlift , days of Seller's cItai~ rermiIIIa: th1s Apeement.
If Boyer """"- ... A_ oil dop>oil....... poKt.. """""" ot ponWoc price 111a111oc .......s prompd, .. _ IllII ...
Ap:emeIl.( wiD be vom, Ok
3. TermW.lC this ~ in .hidI cue all 4eflocit rnclI'lia paid on ICCCWIt of JMChase price ..,iU be rczutntd prompdy 10 .~ya' wi
....A_..;]11ocVOID,
RESID!:.'<ItAL L&AD-BASEll PAINT HAZARD JlEl)lIcnON ACr Nonez IlEQUlREll FOR PROPEImSS
BUlLT IEFORE Ill?1 (HO)
U NOT Al'l'\JCABLE
o APPLICABLE
(A) Sdk!' rtpretmtl that: (c:hcck 1 OR 2)
o 1. Se:11u bas no 1cftcoIo.1cdsc=nc:emin& lbe presefICI:: oflead-bucd plinl3l'ldlnr lea40bued painth.t.urck i.tl or about lite P'ropu!y.
o 2. Seller- has IalowIedCC QC!be ptafClCe or lead-based pail'll an4foc Je.ad.bosed peinl blzltds in rJlabove dNI Prapen7. (1'nMdc: !he- basis tor
c5c1cnninin&!Nt ~ paint aacl/Ot twards eciw. the 1ceaDon(s). II>> condiciOll ot the. painted sllrl'GCCS. m\d OM available:: infomu.
lion eonc:emin& $clkr's knowledge of die ~ oll~ paifttllldlot \ead..bued plun hswds.)
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o I. Seller has tIO .epons or records pen:aWnllO Ictd-based jl&int and/or Ud-bucd paim huard$ iD Of :abovl me Propmy.
o 2. SeI~ lias pt'OYi<Sc:d Bu)'U with:ill avt.illble rec.otds atd repons pmainiac to Jesd.bI.tl:4 pain~ lAd/ot1cad.b&scd psinl ba.:Qnls in or abaul
dlePtQpc:ny.(Ust~) ,
(0 Bu,....s "datcrwledctlMOt
Cl I. hyer 11M :uei-.ed the: pIlnphleal'rouit YCIU'Fturlil'yfro111 uGdill Yowl'HOtrW .l'Idbu read !he t...ud Wamin~St:lleme.ncc:omaincd. in lhis
~menl. (See !nvimme.nal N'Cll.ice.s).
811)'W'sInitlalt Date
o 2. Buyer hu r9'r\cwvcl Sdkr'. d.i.\CloslIJ"e oi lalowl'\ ~bzMd pailu mdlcr \aci.~ pllint 1I.u:ards. IS idcruir.cd in ptnpptlll'l(A) "Il4
bas ~i"cd the recorda and rcpom ~ (01cad-o..sed pa"l'1f wIIor Jn6.bued jlaine I\awd:s identified in puap3ph lQ(B),
au "I Daac
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8u)'u h.u . 10 I}aY period (ullless Bu)'cr ~ ~Iet.,. in ","lln,lO. ~puiod otlimc) 1O~'t...~ WCUlll41lUdl,befotc I'''. ..1
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~ WAIVED. 8\1)'cr undamandllhar Buyer h.u die ri&Jll1O conduct 1 riJIt lIIa1tAal& or ilUptlaion 01 d>> Property de . WI ~.a.:
~t.5Cd p.aint ~or Jead.bucd plinl hawck. Bl1Y!R WAIVE.' THIS RlCiHT and asrcn 10 .... RJU...!A.$E ~ ~~ ~ of :~
lhtl Aveaoent. ....... III pan.........u 01 .~
o tu.c'TED )U
I. 8~. . Bu)'Cl"s ~penIC. chooKs lO o~n I risk ~ ao4Jor iDspwlon of the PTopcny ror Jead..buect lNint IIWl/oI ~.baSCCI ~:
p.I.Int hu2tOI. The nde ur.nsrnenf lNJIWlhSJlCCbcn WlU be cCllllpb:d -idlin _ caap.llfttlentC\lw of"" 4'"reerne'-: :"
"10"' unless BU)'CfNSdJCI arc to sdilf'ercncpniodo(amc). IS.., CI\UDCn
2. Wjchift the tlmt set tortII abcNc for ohtalalna dM riM UMSSmeat Iltd/or inIpedIoa of the Prostcrt)' 1'01' 1tacI.. .' MdIor ;:
Iead-kled paint "-z:ards. Bu)'U' "" deHYcr 10 Lisdnc lrobr, it aD,. ~he to s.~ S writren list 01 the Sf"ltic buanIous :,u
c:ondilions ci~ ,it'. the report and rho$o ~riOIW. ~ by 8.... ~ wilh a cop)' ordlerisk ~llttdIotiDlpocOOn ttport. M
J. Seller I'My. w,dUn _ days of ~t:eIVtlll dte lb. w ~s). SUbmlll wriBCn CCXTOCM ~ 10 BII)'eI". 'T1Ic: comtedve proposal .ek
~1I~. ~l\Otbe U~tedto.thc~oClhercrnedW.i?"CClfIlJlWI)'.2nd'COInplcdondatetoreomcaiveI'llCalUJ'd.,SdluwiJtpro.. all
vide ceruflClllon trom a risk SS3l:UOf or lfISpcClOr that c:omcbve measureobav. been cnodc sadtt'ar:ronl,. on or bclOft! 'lhe wmplcdon disc n~
4. Upon reeeivin. die eon"KtlYO propxlIl. Bayer. wifhin $ cb)'S. ....iII: 1 . h4
I, Accqx lhe corrective JlI'QPO$IJ aM tho Propeny in wrWn80 and aaree 10 !he Rl!LEASE sa: (anb i6 pans:nph %S of cbisApemcnL l)1
~ ~
b, Thtmin.ttie. this A~t in.wriftn;. in _hieb ca.se.ll1~l moaiu ~ 01\ x.etlW1\ of~ price vn1J be rerurncd ptempd)' tel
10 Bu)'CI' and this Agccmenl wUl be VOrD. 'IiI
S, Should Seller I'ai) 10 mbmlt.a writkn COIT'eCt.ive proposal wftIria the time _torth in pana~ 10(0)3 otdUJ~nl, lhen Sura: z,;;
",i~n S driys. wU1: . 7U
.l. Accep: die Property iD writinS. and "11M 10 dle RSL.EA.S!. ronll. in puavaph 2$ vllhiI A~ oa !Ii:.
b. TenninaIe this A;rccmcal in ...alinC. iD _hich cue an ~1DOftia paid 1Ift.aeount or pwclwe,.....iD bD -.mad pcornpd'l JfI
IDBuyuandthis~VtillbeVOIO. or
IS) c.r_ By dp!n'rIli'''-.B.ycrondSeUaccttilydoo_oIlho1r.."...... _"doobeAoI_~ m
JADON CONT1HCI!NCY (1-110) , , .. Il1
(/I) SdJez.......... "'"" <chock approprialo "'ponoc(s)) '"
tl I, Sd.......llOl:llowIedp.............doo_.._of.-. '"
o :z. Sella has _Icd.. that dle PIopa<y ........., 011 !be duos, by doo -l'~, w....t......., oJpl\> -I<,...~ an4 wi" doo lZZ
m\lhs of an tellS il\d'1CaICd below: In
DATE TYPE OF TEST RESULTS Uricocuriel.l1l1u or worbnc lcvds) 17"
m
l7'
'1'
'"
2iI
lU
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...
WAIVED. Buyer understands lha 'BlI)'Ct bas the opcion 10 ttque:Sl1hal1hc Propeny be iaspeclCll (or Mort by. ceni604 inspoculrCCH R.adon 'II::
Notice). BUYER. WAIViS nus OPTION ~ ~ 10 tile REt..&ASa tee cocm ia p.nppb 15 of dIis~. us
P EUlcrsD '"
(B) Bu.yer. u Buyer.s c:qleMe. bas !be option 10 obtain. !'rom I eenirlCd inspcaor,lndoa _of rhc Ptap:ny and wOl~.CO\IY of. _ U.
repon co J..isIing Broker. ifUl'y. o.hc.rwisa to $eUer. wilbin _Uys oldle wcucion. oItbis ApeaeaL (SM Ldon Nodca.) 2M
I, 11......."JlOst...,.aIl..._ofDdoobef...o.OZ_.te.dol.~B."'_dloP1q>aryIlld_..... '"
IW.EASE SCf (onh in panar:aph 25 of Ihis Aarecrnem. .!11
:z. .'dle...."I'Ost......bdoo_oIndooll........sn.O.OZwwtinckyeb(....,.,......,'''''-8uy..will.wiohift_..... '"
of rccdpc of !he Tal results: 81
p Optlool ...
L &cePf rho Pcopercy ill wriring and Igree to W RSL!ASE sea rcrm in pwasr:lph 1$ of dIis AQeemen.t. OR. 2M
b. Termirwe dUs Agrccmcm in wridne. in wbic:h case all depadt monia plid oa XCClW1I or pun:hatc: price win be Ittumcd pcompdy IS'
iii) Bu)'Cl' _ thUA.pcmenlwm be VOID. OR. nt
Co Svbmh a wriam. ccwtectivc proposal>> Usdq 8rotu. if' an'l. 0IhcrwiIc >> s.nc lbe COfftCliwe propaaI wUI illdllde. bue ItOl be lIS
limited 10. 'Cbc I\ImC of the cctlif'aed mili;aDon company. prootisi_ for pI)'IftW. i1tcl~ raau; UId COIDpleUoa" (otcaftlC'- 2"
'live meIIUIU. 10'
(1) Wichin S days ofreceivinl tho eotrtctive propo$II, ScIkr. .1
(a) .........dootalllS.I..._..~..wrilina.laollkilweBuyer_...I'ropofty......-..dl& '"~
, RELEASE... I...... ponpl9h 2S of 1his "- OR '"
(b) N.,.......dlo""""oIlhe_..po>poaI. ...
a) Should Sd1ct laOC ..~ 10 !be tamS of !be conecdve I'fOPOUI CI' WI to ttSpODd wiU-ia 1M drDe ,Civat. Buyer will. whhin S 1M
dI.)'$. dec1 to: 301
(:I.) Ac:cepc 1hc Proptny in vnitin,:and acree 10 tho UUASE see (onh in pan,ataph 15 of !hi. Ap:crnall. OR 107
(b) TenninaJe. this Ag,rument in writin,. in which ease all cStposi& nlona paid Oft &CCOUnt ol purt.hase price..,;1I be renamed lOS
. ptocnptly 10 'BuyCl' ~nd this ApancnI will 'De VOID. 3ll,
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COPIES OF ALL...VAlLAllLE tEST REPORTS will be defNued .. 8_ wiIh 1his..._ SI!LLJ!R DOES NOT WMIWlT
EITllEll Tllll ME1lIODS OR Rl!$ULTS OFllIE lESTS,
Seller hu \now1cdcc lhIIlhc Propetty ~ radon rtduaioo InCISUl'U on dlc dace(s) and b)' rbc mclbocl(l) bldic:a_ below:
D^TE RJoDON RSlltJCnON MtmlOD
III
o Optloo 1
a.. Aeecp1lhc Propc:ny in writing and a:ree: (0 ltle RawS set forth in paraanpll. 25 or this Apemem, OR. .
b. Submit 11. wrincn. emteti.... proposal to 1..istiA& Broker. if' any. Cllhtnwise to Se11er. the comcQ'4'e;:.opoW will include. bue nor. be
lUnited 1O.1.hc IWM ol1hc ccnificdmidpdOll Q':Impaay: P""'isicns ror paymcnc. includln& mesa.; and <:cmplcdcn dale (orcomc. ;1.
tivG mC:1SWCiL Seller win pay . Lmx.imum 0( S IOww Ibe.IOCII COIl. at ~don mcl reteSts. which ""II be 3"
completed. 'tJy lItl11ernctl\.
(I) tIthe rotal COSt orremediarion andn:teStSSXCSDS!be amouncspecil"ledin puaanph 11(8) (0pri0n1) b. Sdler",m. widlin 31'
S days of receipt. oIlhc 0011 oframediadoft. nodfy 8uyeria 'lrrilina ofSdlu'sdIoice 10: 31'
(I) Pay ror the U)QI. cost of remediaion and r=ms. in wbicb cue Buyer KCCJlCS lhe Propeny IIId ape. to fbo ttEl.EASl! III )'II
ronhiap6npph1Sorlhis~OR 319
(b) NotpayforlhcIOWOOftofteme'd"iaUon.wreo;sU. 3U
(2) II $cller r:hoos,e, IlOIlO pay rot me toW COlt ~ rcmcdlaricrl and retesU, or jf Seller ,.ill to daooM eldMr optiGn wuw. lilt :111
tiMe pen, 81l'let wi11. widM , da)'S. noal)o Seller in 'IfftI'iq olB\lYU's cAoicc to: m
(1) PlY !be ditfcrencc betvo-een SclIc:t's comribt.llioa to remcclbtion ancl r=:su and !he K1IIaI CDSIl.hetco(. in whie" cue m
Buyer acupa ... Propony and ...- " ... RELEASE", 10M i. ~ " of 1his"""""l OR
(b) Tcrmwu: thil A8Teem~c. in "'I\ic:h Cll&' all ~ mooles paid on ~ount ofpurch:ast pric.c will be returned PfOmptly ~~
10 !uyu.wl 1IU$ A~ .....iU be VOID,
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STATUS or WATER (1-00) ~o)
(A) Sd1ct tCpruents!lhat dli~ propettJ is served by: 2)1
o Public WUI:t JSJ
:ax OtHitt Wawr W
o CommwUty Wittr 1)1
a N~ m
o m
(I) WAttJt. SERVICE INSncnoN' COrmNGDlCY 13'
o WAIVED. Buyer d:nowlcdps 1hal Buyer his rho opdan 10 ftequea an iD.$pocrion of ttsc ..... *"tce ror the Property. BUYiR WAlVES UI
nus omON lOd aptes IlClIhe: Jl.EL.J!ASB see tonh in ~ %5 ot lhis Apcmcnl :Jt
iii ELI!C1'ED '"
1. B\lyet bu!he cprion. within _da)'l ofthc eMCUrion otddt ApcemelK aDd u BU)'a"s CXpense.lO dc:HVCI' 10 tAtin& Broker. ilany, )41
octlcrwise 10 Sdkr,' wnllm inspedicn report by .~fied. pcofe:srioMI wucr1C:$1inS compa,ny otthequaJiry IftdIor quantiry of die 1V:11er 3U
""""= ,.,
2. Seller agrees tclloealt and. PfO"'MSc OCCC$I to me OIHilC (Of~) WIller systa'D. if applkabJo, 1& $dl'cr', expense. If required by dII U'
~cn compInY. Seller 2Iso qrees to IaIOrC rh: Pnlptny pdcr [0 ~ J45
3., If the repot1 tneab dqt IN _alICr service does Id meu" anmftNln ~ or any applicabJc pcrMlCIMal ao&hority andIot tailllO s.I
,.w)l' 1M ttC\lIi~ f'ar~ lI'odIorq1lUQl)''' by !be morIpfIlcader. ifd)', theu Sellerwill, ..vithin_ da)$ ofreceiprol ~1
the report. fKldf'y Buyer ill writinc of Sdlc:r.s choiC$lO: JlI
L U~!be VlSrer scMcc to the minimum accepcabk: ~ before ICUlcmem. in w!Ud.l esse Bu)'Cl' tceepU!he Propmy lI'Id "pees ~,
to the RELEASE set rcnh ill panpflh 15 cl this Apeemenl. Ok ISO
b.. Net upSf*Se !he Wlla' savic:c. 3$1
4, If Seller choOSeS Me 10 lIpara6lltlo $CIYio: 10 minimum. aeecpable lC'IIeIs. or r.us to n&pcIIId wtchIn dM IbM aI'reo, BII)'CI' ..nil, wtilhin 3P
_days,cilber: 2SS
L Accepr lhe Propeny and !he _W.aMce -. if ~b)' 1hemoctpte.... ifaay.ItIIdIot.)' JO'l'erMlCIIQIlMIIhorir,. vpJI'Ide .u.
!he wucr scrvierilefon seaIancN ell' widdruhe Ii_ teQIIlnld b7 _1DClftpp Sander. if any. and/or 11'I)' p.emmul1lllU1hclrky, II J5S
1I\ly".._.........ScIIer.....................MI1......~_...._..JIloIlilJiASll...f9cdtia '"
_2Sol...............IISe11cr-_palllinlco..vppdo...____ ooIlItiaS.,.otSdlor'. ...
oIooIw........."...............If__dli.....--slI...,..........poid.._"__pricc.m... >I.
.......t JllOllIl>!lY" loya sad Illis,,-.;D... VOID. OR _ ..
b, Ttrminuo !his Apeemenf. I.. which C&'IC all deposit lIlOftia pI&d OIl ICIl:OUnI of purdIlIIe price wW be mumcd prompc1y to Buyer ..
sad "'~"_wiIl'" YOID, '"
11 ST..ros 0' Sl!WElt (1.00) '11
(A) Seller repmcms lhlt PftlperIY is JUYed by. 31J
o Public Sewer :IN
:J:D. Individual On-1ot Sewap Disposal $:rs=n (See Sewqo Notice )) m
o lDdi.\liduaI 0n010l $cwt.ac Disposal System in Proxirni17 tn Well (See Sewage Notice 1: see Sc.w. Nodco 4, if 1ppl1eabIe) HI
o Coaunullily Scwop ~ SyslolIl III '
CI _.... P=U. ExanpdoolS<c s.w.,. Nod<c 1) ,..
o HcIdin& Tuok (See s....c. Nodce 3) ,..
o None (See Sew. Nodc::e 1) I"
o None AYailablelPennir Limicadons in Eff'ecI (See Sew. NoUcc $) ~."
o m
(I) lNDMDlIAL ON.LOT SllW..G81llSPOSAL JNSnCTlON CON1'lllGIlNCY '"
.DI. WAIVED. B\I)'U acknowlcdp tMt Buyer bat Ihc opdon lO n=quad: an ~ ~Iot _wace dispopJ iNpmion or1hc Properly. BUYER ,\U
WAIVES nus omON and apecs to !he R'ELEASE see rMh in puqrapb 25 of lhis Apocmcnf. ns
o EUCIEIl '"
I. 'Buyet' ha., !he aption. within _ days or rhc CUQlQoo or !his Aareemw and II Buyer's expeme. 10 ckIiver 10 LisdnIBloka'. if m
lAy. othuwise to Seller, a wrincn inspection repM by a fl'Wified. pro(ess1onallnspccsor of dlo indi'tiWaJ on-Iol sawsac dispoaI S)'denL .11'
1. ~nu aar- to locale. and provide XCISS 10 the indMdlaal on-Jot Jewqa 4itpo1a1 S)'SIem. and. if ret&UirecI by 1M iDspecdon compu,.. 21'
ernpc)' me seprIc uk. II: Seller's CXpenlC. Sd1et also.I#MS to rescore 'lhe PsopmJ prior 10 tcaJemcnl. 211
3. 11* report rewals defecrs thu . ftClC raquire: expwicn or Itplacemerl: of tile exbtfn, SCWIp disposiI syaem. Seller ....ilI. 'llIidWI At
_ days of ftlCeipc of the repotL lIOIity Bu)'U' ill wridnJ of Scner"s ~ 10: 3H
.. Coma 1he defectS bc:fon:: scuIcmect. indudinr: reftsIS. II Seller', npcuc. in which cue BUJCI' IoClCliCpb !he Ptopaty aM apees 10 .
,bel\ELEASE...lonh .._2' .r1hia~OR '"
b. Not eorrecf the dd'eca. or if S~l1cr fAlls 10 l"tSPOOd .......Ihc ti_IiWIL Buyer will. widlift _ days. ei1hc:r. as
(1) Aocept!he Properly and the sy$WIft and. ifrcqllindbJ" morIllP lcDlIcr.ilany. and/or my JO.to._~ 1lIIIIority. correQ #I
die defccc, beIon:: scaJcmcm: arwilhin!he lima required by die rnorraaae lendct.ilany.lI'IdIoraay aowrnmeetal,aultlorily, II 311
Buyer.. $Ole Clpenst:: 1nd with SeBer's pennlulon. 'IItbida will DOl be: ~ whhbdd.1Ild aaree 10,. lEl.EASE sa. ;)II
reem iI'I p.v1&fIph '2S oIrhis A~ Ir Sener denies Buyw pamiaioG to camec!be det'ectI. hyu may. widliD 5 days of 31.
Sd1cr',_il1. 1CI'min&& tisApamcm.IIBuycr aminu:s tis ~ all cScposi\ monies paid on accclImt Of purcbUe .
.... will... ..1UlIlOd plOllIPIly.. loyer....Illis...........;u... YOID. Ol!. '11
(1) TcmMaoo.... _. j. wrilillI.lo wllidl.... sII dcpooi._ poid Oft _ 01,............ .;U ... """"'" m
_1O_snd1hia.............;U...VOJD. ,..
". 11 lhc: !1:p)rt revt:als 1hc nocd W) C':lpand orJ't,Jaco 1Jle existiftl indivilbl OIl,Jot ""I&' disposaJ syswn. SeDer roaYo 'fri1:biA_ days DI
or the RPOrt. wlrmit. comcti.. propoullO Scnin.8Tokcr. if any. odlerwia 10 Bu,.er.1'be oomctive propoul wiU inchade-.lIut not be:: SIS
limiled to, the nan'Ie of Ihe remediadon company: prcMsions. forpayrnmr. iKllIdiac mesa: lid ~OQ 4ue lor ClOItflal\'C QltISIRS. 3N
'lJlithil\ 5 ~)'$ of rec:eivina $d1et', eomctive~. or It aO eomctIYt,propoaI is nctiveclwlthin the time civen. BuycrwiU: 311
a. A&rtt lO me termS oldle ccndvc pI'OJ)OStI. ifany. in wridnj. in which cue Buyer ICCCpCIIhc Property and a&mS 10 Ihc RE1..EAS! ~
sel font! in paneraph 2S oftbisAgreemetll, OR. 3"
b, ..""" oM l'Iopcny ON!...._ ..... ~ -"'<I by'" _ -. ~ lIlY, """Of my ...........taI..lhorily......."" ...
6eiecu belOte sea!emea1 or wilhiD !he time rt:qtIi~ by lhc monpp lender. if 1nJ, andfor any sovemmentGl aatborit)'. II: IlIYu's 411
tole expense &rod willi Seller's permission. ..,hicb wiJl QGt be uaceUOMbly wilbbeld. and I&JU to eM lE1..SASE tel forth in put- 411Z
&f29h 2S orthisApemeAl.lf Seller 6enies B\I~ pcrmiAioQ to ~ tho dcfClCtS. BuyCl' may. wUbin5 days of Sc11et'sdenbL.~ .03
milwe this A&ro<<nem. rt B\lycr lCmIil'latCt this ApcmcnI. III deposit- memes paid Oft accoun& r:4 pardwe price wiD be rtCl.&med .~
pranptly 10 Bll)'u 2nd lb.i.IAlRematI will be VOID. OR t8S
c. Tcrminale lhis A~I ill. wriMI. in wbic:b C&$e an dr:posiI monies paid on ICCOWlt of pwc:base price will be reNn'Jed prcmpdy ..
to B\I)'er1DdlbisAp:ancMwmbcVOm. &01
14. NO'TlCES. ASS8SSMENTS .. Cllll'T1FlCA'RS OF OCCIIl','NCY \,.00) '"
tAl ScJ1cr rcpcesen~ u oCSdlct's UCCUblXl oltbis Apemcnt. ltw no pubUc: iftlPfOvetnenr. condominilW Of homcowaer wocialion sssessmentI "Ill
bave'been macIc aSalnsc:hcPropcny which mnoUtlUlpaid and dwno noriceby allY punmUll Ql'JNblic authority ba& beelI served IlpanSelIu '1'
Of anyctle on SeJler's behalf. irK:1udina noiiccs rdlCins 10 vi,oTaiON of _ins. bousirIB. building. satft)' Of' ril'C or&NIlCU whM:h l'CINin ."
UDCOlTec'.m, and lI\ac Selkr ~ of no c:oCldinon U\a\ WOUld COI'Inill.llC violadon 01 any such orclinanca whic:h remains unconected. unJns &U
othuwi.te ~d hue: m
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Selwllliti.als:
.17 1u1ctlftil'<l~
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tal ~elk~ \till.....' of no olhu pull:nll,1 J'KIli..'Cs (illCludint: viol,nOlU).and useSSllWn" eJUpt .u ItNlows:
(0 In lhe eVelU ~y noricu (inc:ludin.vioWiOtl$) and UUSUMrlr5 Ire recti-t.ftu tualli&m 0( This ~cnI Jl\d bd'on: tettlm\cnt. Seller \!rill
IKltir, 8\1)'Ct'tn wrilin" wicbin' daY' of tecti.vin, 1M ooric. Of ~.,.. Selle( will:
I. COt(lpl)' ....ith nacicusaciUlts.smetUl ~Sd.Iu.'~il\ ...hlch~ kya ~s 1M Ptnreny and .I;red to 1hcr tlEl,.Wlt ~ roM
III P^"'I~p" 23 q( Ihis ^sreetTlCltt. OR
2. NOT CQrI'lply wim noricc. and .wessnw:ntl I( StUet'. c.\pctIH. in which ~ Bll)'Cf willl'lCllity $clkr ....ithin , dlys in ...nrinC rhal 8U)'tt
will: .'.
01, Comply...ilhtlOlica.uld~QlBllYU'snpcna:&nd~wIMRELWaSotlrMhin~15oll"n"'~,oa'.
b. Tc:rmiGAlC tNl A~t. in whidl cue s11 deposit rnonic::t pIIi(l! OIl account of purchase price will be; tellIrnctt prcmp&Jy 10 8U)'er
lIldllUsA_wiUbeVOlO, "
USll)'tl' raas to PCltir, SdI<< wUflin * time O'<tft, B"'ltr ~ the PTopm, ,nd aa,na to tbt UUhSE 1ft bib;',.,... ".1
anph1S"....A..--. ",'
(0) Bu)'et is a4vtud that ~ CO a pubUc road may require iu.uance ot 4 hi,hWl)' occupancy pcnnil from dlc ~ orT~ "1
(El 1! requim:! by taw. wilNn _. ~ of 1ht =ecutiN1 of 1M Agrcemenr. Sel1l:r wiU Ot&t ror delivery tn $cllialS !:mil:e:t. ir 1ft)'. ochuwbc ':"'2
'(lBll)'~onotbcfon::~ , .'\,
I. A eenir~lion from 11M: appropri4tc; ImnsiQpal dqlllnmenl Of' dr:parnnems dl\Closinl node. or My unc:orrel:lCd viollllon of ~ houJ. 'i'
ing. 'oui1dirllo- SllfCQ' Dt fire ordinarx:es.. ^NDJO~ ..
2. ^ ceairlC8lC pe:nnininc 0Cl::l1tWlC}' of me Propmy. In l1le C'\'cm ttpaitc/unpt'Q'o'emo;_ &Ill ~fl:<l rot me. ~~f\(e. of'ltIc wtiSiI::ltO. Selk-t .~
will. wilhin S clays ot SeISer', receipt of the nquit'etMrIrI. notify Buyer 01 1M tCqIIiRntCTIt't and whc.tbct' Seifer willlNtc me toq1Iitcd
rcpt.inJ'improvemeacs iii Sdlcr'$ expen~ U
If SeJlcr dIQOSU QOl: 10 INQ the rco.",iRd rtp*inlimptQvt~ Ruyet'...;u. widtin S ~ notif':t ScIlCf' il\..man, of BlIYdscMit:elO 1Qmi. ".
IWl: ,1'11$ Apmcnl ORl1'IW: ~ tepllitsIimprovemeob ae 9ll)'tt's npmsc md witJI SeIIu'I JlCmlission. which ..,iIJ Ill,)( be~)' wi. '.~
held, If SelJer 4c:nicl 811)'Cr penniulOD to mU.e lito required repairs. Buycrmay. ~chm S day, o( Seller's deniaL ICrminarc IfliI ~ U ,:.
Buyer ~,t!lis"~nt.atI ~~pIi4on KtoorAofputtMlcprieewitl"renu_JI"'I'I'lJl'dYlO l~aDlIltli;JApcrneIlI '"2
I.Q ...m be VOID, . J.lJ
.... 15. TrTLE. SURVEYS a COSTS (1000) . '-W
IA) Tho~....bo"""1"l"''''''_''a11I__'''''_'''!XClll'TlNOHO_''''IoIJooins:-'' ...
deed ~ biItQrle~don ~lricdOfttOtordinanca. bul1dlqtalriclriorls.ontiftltlCU.'tallCmCMo(--.~'fi&iWc'llpOl'l I~
IIw ground. easemcaa of teCOnI. prlvUeps or nlhU of public: lelVice COl'l'IPI_ it any. ocIJ,er...,i;c N title IClme above described rul alIC ...
...ill be ,ood tnd /'IWhulblo lftd $tIC" u will 'be insured by . tqlUtlbJe lido Insunnu Company at rbc rtauW nlCI. :.a
(9) In me ~eat Seller is una1Ilc to live l soo6 and ~.lid. aodwcl\.. will '-Womd. bY 10 rt~'t\~~ x 1tlc ~mcs. ~I'
as specir~ in ~ 15(;'>' Bu)'tt will have ltIe oplion JlIIciq ""lido.. Sd~ CIn :lve: wirhol,lr ~11'l:ho price 01 cttleias qaid d
~llJ'lODics pU:I by Buyer 10 SdJet Oft IlCCO\.lnI of pllIthaJc price and ~IScr will reirrtbtmc Buya' lor any COCI; incVl'ftl<t by Buyer (or diose iIentJ !:I'
spoQrlCd il'l pa,p.ph 1S(C) lIiJ\d, In pua" t!{D}1\tmS(I).(1).(3):" in d'1CWier-cvcm1l'acte will be no f\lnbetliabi\hy Ol~'PdonCll ,.:
oiohcr ofdlO pu1lqholtul an4... ~I will_ VOID, '"
(C) An)' svrvey or SIlrYf:)'S wbic:llr /Ill)' be required by 1M 11110 lGsunMe Cornpaay or die ~ ItlOt'M)'. (or tbc ptqWlllion of.at adcquafc .s.
Iep dtscripdotJ of me PI'openy t<< 1bo cOncctiolllbueof>, wiD be __d and ..Iii for by ScIJcT. However. any ~....ey." sut'tt)'S dalited b1 IU
IIIyet' or requhfd by lhc 1IIOftlP8!lI1cnder will be securecl and JIIid lor by Bv)'Ct, ~s
(D) BuyCl' will ~y few aM roUowinc: (1) ~ ptttniwn tor mccblnia lICft iNunnov lIDdior tille -.rcb. or fee 'ar canee.l1adcn of s;mc" if Mly: ~I
(2) Tl'Ie: ~iums for flood insuBdCC: and/or rite il'l.1lldrlQO with exfeftdcd covcn.p, insurMee binder ebar&eS Of' canceU&lion flee. it any.: :l!!1
(J) AppniuJ fees: and Wrp {llid in o\dvance to monpae lender, if .AY. (4) BII)'Cf'S; CIlSl'ouwy sealtmcnl CO$tJ and ICl:nW$o ~
I" ZONlNO CLASS11ICAnOPl (1.00) '"
Failure o( this Apec.menr to QOCltlio 1l'le. zoNn' dQ.SiflCllliols (~in easel vrhcte W: prt:lpen)' land. exb plltCc:1 thereof. jt sulldi...kSablel is Jmlttf ..."
solely or primarily R) pen'lliz: sin&1e-fami1:yl1welUJte$) wil1lC.lhiI A&rurrlCllC voidable at the opdon ()f!he allyet. and. if voided. IIr1 depOsiu 4t.1
lerIdertd by the Buyc:rwiU be tautflCd 10 lbe BIlJerwi.dlau1 any req,uin:menr Cotcourc action.. lCJ,
Zoaing C1assUk:atJon: .q4
a EUC'TEJ). WidUd _ days of die e:uculion of IIlis Apt:emcm. 8l.1)'et w:m 'fcriIy l1Iat ,die i=:c;isIinJ use 01, die Propaty IS ~
i$~t1\1bt:Mr41belAClsAOl~'QJW"wm.~..tIMe _
&l- tor ""_a,IlOli!y u..;.s Urc""" if "'Y. oohcrwbc SiItu.;. """'1hot 1M ozlsrin,... OItloc "'-..... pcnn;...I Old "'" '"
Agreement -iU be VOID, in which case .11 deposil monies paid on 4CCOUlI& 01 purcl'l~ price wilt t!I mumed prornpd)' 10 8u;oa:. a.,tr'J .u
bilure 10 reIpOM .ithin tbt dme pvea \till (Qadiaute a W,A.1VIR. 01 dds ~.1Id aD 0Ibee' c.tn:fta oIdllt "Ve.eman mnain ill .In
tdl'Qr(.M\4cftcd.. ~A
17, COAL 1'000C! m
Iii NOT APPUCABL! '"
o .r\P1'UCA3U .m
'J)ns tlCOiMEHT WAY NOT JRU.. caWIT, TlAHSFD.l<UIlX OIl ltGIIIP. TKt Tn'l.I TOM etW.UIO a&cHTS Of SUPI'OttT \.INOEJ!;NFA1CN Sl.ItFACI WfO no(
DE3CllltD ~ QP!RUD TQ HliUJN, AND nw OWNfI 01 O\llWFl'l t;t# SUCH COAl. w...'i KA.VI '11":~:\'~ luenf TO AIMOVIALLAOI cc.ALAHD m
fH lH..a' CQNNECnCN. D4MAOt WAY JES\IS.1' TO 'nit. JURtAa o..nu I,AkO ANI) IIN'f NOCIIlL 'I;~ ~ emu",,~ <:iN CIa IN SUCl'II,.VID. (l'tIis '16
ftOl;\ce is set rarth tc\ 1M ~provicb:l itI$eaiQn t Q(lMMoC1\!ly 17.19S7,P.I.. 9&4.)48~,,~lcdpc uhe May 1IIot~~lbe in
rilhe of prote:aion .apina:subsidt.nce lesullilla (nxf\cod D'liDina opr:mricN.lftd Ibat_~ ~~bcn:ifs!1Mf be pI'OItaId froal duftI&e 4,..
dUe to mlne su~ by, priYlleconUXf with !be ownm: o(rhc economic ilIeteIu ioltit COIl. nil ~1c:d,aI'ICOI is lNIdc lor rtIc ~ .n
of eonlp)yina with 1he pl(\'l'isiool oISerioa 14 of 1M 'BM\1'lO\l$ M"n S*~ V4d \be 1.I;nd <:tlIII:ICY'o~t\on A.e1,Q( April'11, \9"." 1U'JG'101l=$ ..
to "en the deed trom Selkt which cbd wiU coolaia &be tlon:uid proviston. It,
18. POSSESSION (1-98) '"
tA) Pos$essioR i$ 10 be ddivered by 4ecd. k.cys and: 4IJ
\. i'tlysia.\ posst$Si<lr. ~ l.V\W:aS\t buildinl(ifany) ~O(:Ietn. free afdc1x\, at' ~ and t\ttIeQ{ !l(~ANDiOR. '*
2. A$$igtllT1enl ul c:xisIirlCleaseCS).lOlcchcr wilh any xcurity deposi,!,.and i~ II dmc of seulemetu. ifPropeny i. teIIllnl.o:eupiecl aI the: .n
cxte\IDon of this AgJeemcnI or unlDs ocfIet\lIise specified herein. Buyer will ad:nowled#c wSlins bsc(sl by initialing said le&se(:i) U J!5
fune of si&t'inS of lhiJApemttlt, 'If~ illttlanloOCt~ . ~l
(8) Selter wilt Mt enter Wo any dtA' leases.. written exrtnSi~ of ~is~ leases. if iItIy. or .ddinonal ]~ 'or the Propcny v,itholll e:xprcsscd '"
wrinc.o consenlor 8\l)'C'l'. 4St
". RECORDING(3-8$) ThisAptcrsx:ntwilloorbcceccrdcdinlheOfflce !orlheboxdinsoIDcecl$Qfm m'jollwrolfl(e orpl~oIp..brlC~ .:"
and U' Buytt ~ Of pc:mU'O Ibi.$~tto 'be ~dcd.Sdld ma, ~ to UUl such IQ, U l ~~tl\isAgrocm.;t\L .(\t
10. ASSIGN~'T (US) 11U:SAgrectnenl wU1 be bindins upcn tho ~s.ltlcirrt$pccdvc 1tCin. ~1~ctiVd, I~"nd successan:. uz
and to The: axtcnl tlSipab)e. on ltle assip -A die petiu Mteto. tl bcin. a.pn:lI1y undetSlood. bowcYa', IN.f BIlYU wiU IIOr lrW\Sfcr or :wip'tlIif ,~
Ageemen&' withwllhe written oonJal( 01 Se1lu. "'"
11, DErosrr.. UCQl/!RY FlJl'D (1~) ,,'
(A) Deposiq; paid by Buyer wilhin. 30 day$ of semement....m be by w.h. cashiu's Of eutilicd cl1oclr:. OeposilS. reprdlcu 0I:N form 0( pt)'mcrw: ,US
and the jlCtSOI\ ~ted as payee. wiD be: paid f,O Broker ~ PUTy W:leMfJC,d in p&tlShPh 3<f1. w~ will tetlIin rhcfn in.\n ~w X"01lI'lI ~I .f1;
CtlflS\l1l'llT\..lOft oftenninaWnoflhisAgtt.en\Cnl;"'~()ttIU~ 'JI11t\ U1 ~W:.t.bk la-~&nd Itl;ul"'\~n$, A."J \lnCuh6dclM:dt~ I!~t ..U
IN.ybcheldpcndin&the~a(d1isoffu, _,,j~
(EI) In:tc :venl of" disp'de 0'\'" ;tlotk:mcnr to dcpclsU monies. a brob::r MIdinC lhc ~t is requIred by lhe Rub sr.d )bplllKU ol:he Slallt saG
Real estate Commission (49l"a. Code ~3S,327) to rrainlh: monic.s in exrow \IIIa1 ~ dispore is ~t~od. lit the:: e"IeTlt of '.itIprion fol4le' $6'
mutt\ of (kpOS\l monile$. 1. blom "'ill. dlttrib.lle rJoc tnnnica '" direcled!)y I. r5NJ. ordu of court ~ lhr; wrir=t ~erlt of the putic,S. 81l}"U' ;0
.;wj Seller avec !hat. in the ~ AdY btokct or .Jfiliucd lic:l:rl~ 'I joined itIlitipticn ~Of ~ i'fI'llm >It l.k~j( IT\()f\ltJ. rho ~Uo.l"l'le)'1 fc~.and -so.
cos~ ~( '1l~~ licenJ<<( S) 'MIll be ~14 ~r ~ ~~r.z l~!n'r~ a.em. :~~
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{Cl A RC:ll c.sr:Ue Reco..c;/y Fund UIJU to rClnHIU", .Iony pc;~,tL, '*110 na..-c QOLloulCa J rin-u ;1"11 J\Il:l""c;nt "PIn.", . Pc;nn.~)'l..~nl.il RI&l C''''Jc: ".'t
~~i liC'CI)KCl o....ina to fraud. misl"C~on. Of deceit in" tell C$lMI fI'lIftUt1ion and....ho b.n bccTIlINblo to coIloa 1hejudamenf afttrtl'-r. 1r
~~ in& L11 te.~ aM..equitable ~ fcl,r comptcw rJcr.ils ~ 4w F\ltlIL call Ol7'llU.14S&. '# (100\ '1201\\3 \..iWn Ptsw)tf_} ri jU
W' (711) 78J....qj4 (outside PcnnsylYmla), sa
", U, CONOOMlNlt'Mn'LAl<NEO COMM~'NlTY (HOMEOWNER ASSOCI.nON) WAU NOTICE INIO)
xii NOT APPLICABLE
o APl>LICABUo CONOOMINJ\IM
Buyer IclmovtkdJCS 1bt lhe Prapetty j, a unir of a ~nium IIw is primuiJy run by II unit owners. ~ltlion.IJ407 of !he Uniform ~IJ
Condominium Atr 01 PmmylY2IIia requires Stilet to furnish Buyer lWilt! a Ceniticacc of Jtcsaw IInd cgpics 0I1he ~iwn o:Seebmion .f I
(orJw:t ~ pld and ~l.lM byt~ &ad. 1M Met to! rtpWlOM 0( NII1oOdI'Oion.
o APPUCABU. PUNNED COMMlJNITY (II0MEOWNER ASSOClIJION) ".
Buyer acknowledges 1hal: tJle Property is PItt of. plonncd COl'M\W\iry,. clefinedby tile Uniform Planned CommUDicy A'=t. (Set DctinWcaol 111
Pl~ned CommuniI)' Notice (or d.: dclinw.oa ccntlined in lhe Ace). 1$<<)7(1) of the Act: MqWl1S SeDu '>> fumish Buyer wiltt "copy ot Iht i'l
Decla:..uion (ocbct Ihan pJaa; and plans}. rbc bylawS, tho nab Ind reau1ations of the usociadoa.. JtId a Catifbcc c:oncai"in,1hc pr'Q'fislcns $1:1 II'
fOrth illlS4O'7(a) of the ACt, 51'1
(A) Within _ days 01 the c:ucurinn a(dti'A~t. Sdler wiD submil a ~ to die wcehwcn for.a C::nirlCale otResaJe arw:llhe doc. ~I
llmC1\tI nc:ee.ssary to enable Sellet 10 eofI'lply with thc:Act. ThcAd.~lhutt:e.~i.l~to pnwide~~'Wid\La ,"p
10 days of SelLer's request. U3
(8) Under !he Act. Seller is nO( lI.ble JO RU)'l=!' rnr lhe r.sil1Jre OfdWy o(the usocLuion to provide tbe Ceniru:ue in.a timdy manner. noria.$eUet Sl~
H1 li:lblc 10 Buyer for.any en'OIWOUS intom\ldon provided by tho; .u:sociaDo", and incNdcd in dlc CcttirlCl&e. !:s
,,~ 1C} 'Ru)'criNY 6ccl~ ltUs~1 VOiD u any time before Bu)'ef.s receipt of Ihe assoelrion dOCUIt*US Jftd for, da)'llhcfuf'cet.ORIWiI Uli
$~I JlCulcrnenl. wbicheYu cccurs fim. B\lyer', nonce clcclatin, "'iI ~r void mUSl be in writina: tbctearta' aJl cI$posia mOClics will &. <:7
.1$ flmlmcd 10 Bu)"Ct. R'
u, (0) In me event die u.sociation Us the ft_ 10 buy lba ~ Cripr oflinf rctvsan.. an6I1IOUIOCiadoa. cxcrdscs lha risf\c. Seller will reiaIbune \D
sa, 8uya' for.1I mnnicIpo.id by Bllyeton accounlotpmcbue prkc and (araflYCOStIinQmcdb, Buycr(or. (I) 1llcpaniumfGrmccJllllicslim w
;J1 insunnce Md/or lillel scardi. or rco tor canc:cJr.aon or Mme. it.Yo (2) n. ~ for 000cI iMunnce IDlfIor lIfIlns1Innce whb.... ~t
,n ........... ......... billdo' chIrEn <<_1aIioo r.o. II.." (3) ...,.m... rea -.I dq.o poI4 .. _... __ """"'jf Oly. '"
~ (4) B~',~u:uIemefttCOllSIl\dICCNlls. m
'" 23, lIIAINTIlNANClI" RISK OFL06S ('~ ,. ..
(A) Sdler wiU maintllia !he Propcny. pwnds.. fixtureS. Ind Any pet'SOI'l:II properl)' spcifically sdIodvled>hcrtia in ics present tclId1icrn. nonDlIl '"
'NeU and tear cx~ "iUi
(8) In tiN: l:YCf\t.any ~yaem f1I appliance inc:l\lded in the Die of cbc Propcrcy ttils and Scllct cb;s noc .,or rq>J1CI: the tlCnl., ScIJcr will prompd, 131
noliCy au)'tt in. writinl of Scller's dlolcc 10: 331
I, Repair or rcpll1CC t:JlO fouled ~ 01' avpliance Were MftJcmcnc or Cltdl.r 8U)"ct &I ~l for lhe (.air muter value oflbc: biJed sys. $II
tern or 'P'PIik'tl?t {\hii ~Ion fl\USC be ~ 10 oJw:. monp.te \eMcor.lf 11Io)'). t1\ act. c-. 'W/Cf ~~ptIIo me Ptapcn, aM 'IfCU 10 "'
the R.EUA$1i:;su fonh in p;uaanPh 2S of Ibis A&teemenr. OR 1:.,
2. Maka no repairs or replacements. and IKlI =4i1 ~urer II scubncnI for ~ f,ir market V:IIlue of Ihc ,.,1ed S)'Snt rx Ippliw:e:. in Maich ~).
casc Bll)'tt ..ill notify Seller in ..nling within 5 days Of before seakmetll. whicbeYu i$ ~.lhaf. BlJ)'cr lWm:
.a. Acccpr tbc ProperlY and acne to me R!LEASS SCI fonh in J*IPPIll$ 01 dlil Apeelnenl, OR
Sol~ b. Terminate this Ayccmau.. in which cue .aU deposil monla paid on aceowlI: of pndwc' pricc WIll be I'CCUnICI! prompdy to BV)'U' !.t),
~ anchhisAj1temcnt...nQ be YOn>. ,,;
~) (0 SeUer ~m bcv risk oCloa (ram fite OC' oW:r ~ u.ntil limeof' _1emcN. In lhc. C'Itnt of __po \,oJ Rft, fit ~hcr wu:aIt1D 10 VIJ JlCtIP- l'l
~. erty incltaded in Ihi, sale IW Is IlOC repaired or JtPIaced prior ro seufemenl, luyer wiD have the option ot rescindiAa dlliI Aarecmcm Md "S
5" prompd)- rcceh,in. all mDftiClpllidon .cC'OUnI ofpun;:ba:lepric:eOl'ot~llbcPropcnyinics lbcft I:Or'dlliOCltOpMwithlboproceedc ~,~
:liSt or ~ insur.we t'CCOYCI:'/ ~aiNlble by Seller. Buyer is hereby norifJeCI aw Buyer ma)' iASlate Buyer's equilable intcresl in this- Pmr=nY" tII ~
$51 thetmleole::cecudonoflbiIA~t. ~Sl
$.$1 24. WAIVU; Of CONnNGENC1F..S '1-(0) ~1
In lhc evenlmil Aarecrnelll is conlinseru an Buyer's risJIc 10 inqlCC'l and/orn:p.atr lhc Prvpcny. Bu)'a''J taUu" to a:ercise aft1 otBU1Ct's 0pCI0.s ";
with"' th. time nmlb~lftlhecontidcene:J prowWoa(sl trillCOftStltutea WAlVlloftbat<lO'\tiftl;tftt)'wJBlI,..lICt~tM~ !I'I..
J5S aad aenes to the R.ELEASE set tertb In pArapaph 15 of dli'.~1.
j,:'f 25. RF.I.F.ASR (1-00) RuJet"' hereh.y reJeates.. quit dainIs lAd tormr ~ SILLER, ALL BROKERS. dteir LICENSEES. EMPLOY. ~....
'..ES, and any OmCER or PA lITND 01-8111 GOt 01 cheat and anI other PDSoN'. nIM. or COAPOIYnQN who _, he Ibbll _, or ~!i
throulb Ihem.. fnm lilY and.n dai-.lO$3tS or deaunds. iadudtac. tnU ACK ...fled &0. 1*1OD8I 1tIjbria lAd pt'OpII17....... and allot .41
'hC consequences lhlllf'tOl. "Mlller ftOW lCaown or AO(, WflIkb ma'.... J'rom Iht PNIfICI cIltrlllilel or 0_ woo4obortnllDMctl........ .. ~
Ie.d.~d paint h.,.nts. tlPirnnmetttal bazards. 11\1 defects In the IDcUvIduaI 00.101 stWtCt disposal S)SU'.. or .wdlnde:s hi IIIe OIHIM H:
watu Ja"Vic:e ,,-Stem.. or IftJ ddt...1S or coadUions on thc ProperlJ'. l1Ik rtlasot wiltSlln'M~
'" 26, REPRESENTAnONS (1-G1l1
!liil ~ l Bu)et' understandS w.r any repmcnQljons. claims. adva'lisin... promcdonal aaiYides, bmchun:I or plans of any kind made by Sellet. BroIras. m
!S-) lheir licensee!,. employee$, n(r1ClCrS, or plirtners arc noel PM or rhisApeemenr IInIet, U.prell}y incorpomod Of SIlled i,. dlis ~
60' ID) It is ,ndentoodlha, Buy" bu impeded'" Properl)' Won """" 110o .........'Gnd1iofio& IixoIreo ODd.., _..- ...
,.. spedllcoJl, __ lM",in},,, bos WlI", dlO ria/l'lO do...1IllI blslIptId lO_ Rio Is _-.-...... ...
~1i7 stated In dds lcreemenL BII)'eI' ICbIowJedtcs that Brok.crs, tWr...... _pJoJ.s. oftka1 or JIQI1Mn!lm _ malt.......... UI
564 dtll\tJaft'l-bIatioIor~tJlthtstrtsdunltoadaelatldllt~u.e..ClClditSalll<'AtIN._~'..t... I ~1
55. cOGdilions, the permiUed IIfeS. or 01 eondttloDs ~ in PM: IoaJe .hen- the ~ it sltaated; MI' bin !hey" alalllll:hlalc:al AI'
S10 In.qMCtIoa of any 01 the S)S1CmS COIttailled rberdn. .m
$71 cO It is l\anber underSIood tb:u tills Acreemen1 ~ the ...hole 2.sra:menc bctwccn Selk:r iIId Buyu Iftd thete aft GO cch=r tcnn.c, ablipriofts. ",
SI: covenantS. RpmaulUons. sta:temeaa; or condlrions. onl Of otherwise, of any kind whatsocYcr ,=onccrnina IhiJ we. PIlI'IJlermOre, Ihif, m
sn A~t wilt not be alte:rtd. amencStd.. chanced. or modified excepc in wriling: c~ltICd by the p:uric.s. m
SJ4 (D) The headinp. ~ons-. and line marnbcn in \IIis Apccmenl .n: munl only tl) nuke il cuiet to find the pan;npbs. $'4
", 11, nMF.OFm?ESSENa:.DEF'ULT(1~ OJ,
$15 The uid time fOf ~11nd an Olbcr ~ ""*md II) fer Ibc pcrfomlltlCC or my oltbe otllipzicN of tJlilAar=ncnc ~ b=by lJfeed 10 be 315
$11 of lhe esse:r.:e of this AartemcaL For dlC putpOICI of dUs Asrcement. number nf days -.n11 be COUI'IItd &em the date of e.:c.ecution. by w:luclinl chi:: U7
Sla day this ~ WIS ~ctUted and includinc the !IU day of lhe time period. Sl\<ndd Bu~ $7'
$1. (A) fail 10 rrWte.any addirioNl pl)'1nCIUS.as sp:dficd ill P=~ 3: OR 5Jf
Sill (8) Furnish fabc 01 inccmplcce: iiWnnatiol\ ~ Seller. Usdnl Bmer. $eJlinI Brolcr. or !be mar1pp "=nc5cr. if any. COftCa1:lil\l Buyu's lcpl or 5.0
Sll fil\lnci:al stIluS, or fail 10 l:CC'pCnte in me pm:essina of lbc tnCft&IJC 10M 2f:/P1icuicln. ...kid! IC# wcuk! mulr in !he biJu~ fO obtain ilc $fl
~ appro't1.l d a mortPte \ou\ ~ommilmef\\; OR m.
SI3 (e) VjolwortatltOrulfill:andJlCrfmnaayocbu'lanUorccndirionsofthisA~ gJ
S&ol. Ihcn in such cue. Seller tw lhe opcicn of ~wnin. aD sums paid by Buyer. includin, 'lhc dlposil monies. I) on account of puI'dwe price. or .~
S15 2) u monilS to be applied 10 Seller's damaces:. 01 3) u IiQ\lidalCd da"""n lOt' Neb brtaclt. 3S seUcr /MY deer, unlU$ oIhtnrfs:e c.hecbd 515
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o Se.llu is limilld 10 rcu.ininC SUIM paid by Bu)'Cl', irICludina ~I monles. as tiqutd.ated <hmI~. SOil
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thu \i&bi1it'j Ql' obliption ar4 l!\is ~ will be VOlO, ~~
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(8) Th:ISd1in&Brokui'A.plfotB~.
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md PToeed1:Ircs 01 the Home SeDcnJHome 9u)'Ch DispulI;I Resolution Sysrem. Any llreernem: lPChed lbrouch I mecfiMion confcztncr and f1:
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(D) Bu}U and Seller ac1cnow1cdp thai. Iht;y have received. tad. and IIf'dtrttlncl n Rides and Prcccdutes or lho Honue SelJasnt'ome 8~eu 'l':-~
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Ilona TO PAIlTIl!S: WIIDI 51_ nus AGUVIENT IS A BINDING CON'l'llACT. RI!!>N " __. ....... tFUlorlWl
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WITNESS BV'\'EIl ~ II;.. ~ DATI! 24 An 00
BuyerName(printlJ"~-C: v. Zl!RDAl.L 0.. A!IlSTtfIIJ1l '"_______ SS.
MaiUncAddless 6088 HOLLY p'T"I't!IIRR 1IVf~ "IUMIlnC2tmllC 'P.t 17201
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IN THE UNITED STATES BANKRUPTCY COURT
FOR THE MIDDLE DISTRICT OF PENNSYLVANIA
In re:
C, DAVID SPEALMAN,
a/k/a CARL DAVID SPEALMAN,
CASE NO. 1-98-00205
CHAPTER 7
Debtor
CERTIFICATE OF SERVICE
I, Henry W. Van Eck, Esquire, hereby certify that on this
date, a true and correct copy of the foregoing Motion to Approve
Sale of Real Estate Free and Clear of Liens, Claims and
Encumbrances and Proposed Order were served by first-class mail,
postage prepaid, to the persons named on the attached service
list.
Date: :JU/lj 1'1, ~O
By:
t10 w. U"" fek
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Service List
Office of the U. S. Trustee
P,O, Box 969
Harrisburg, PA 17108
Ann K, Fiorenza, Esquire
United States Attorney
Federal Building
P, O. Box 11754
Harrisburg, PA 17108
United States Attorney General
P. O. Box 227
Ben Franklin Station
Washington, DC 20044
John J, Condridge, Sr.
Attorney General
Financial Enforcement Section
Office of Attorney General
15th Floor, Strawberry Square
Fourth & Walnut Streets
Harrisburg, PA 17120
Internal Revenue Service
Special Procedures Section
P, O. Box 12051
Philadelphia, PA 19106
Robert E, Chernicoff, Esquire
Cunningham & Chernicoff, P.C.
2320 N, Second Street
P. 0, Box 60457
Harrisburg, PA 17106-0457
David M, McCanney, Esquire
111 North Sixth Street
P, 0, Box 679
Reading, PA 19603
Philip H. Spare, Esquire
Snelbaker, Brennaman &
Spare, P.C,
44 west Main Street
Mechanicsburg, PA 17055
~ .
-____,'"""""'i,""-----"""",,
The Money Store
Attn: Vonise Ragland
Loss Mitigation/NC4725
1100 Corporate Center
Drive
Raleigh, NC 27607
Commonwealth of Pa.
Department of Revenue
Dept, 180406
Harrisburg, PA 17128
Pennsylvania Department of
Labor and Industry
1171 South Cameron Street
Room 103
Harrisburg, PA 17104-2501
Internal Revenue Service
P,O, Box 57
Bensalem, PA 19020
Advancillaries, Inc.
d/b/a Avalon Dist,
1 Avalon Drive
P,O. Box 536
Canal Fulton, OH 44614
Mrs, Louise A, Spealman
158 Kline Road
Shippensburg, PA 17257
Mr. C, David Spealman
158 Kline Road
Shippensburg, PA 17257
Richard Placey, Esquire
Caldwell & Kearns
3631 North Front Street
Harrisburg, PA 17101
-
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,
-n".~"~ ~-lGil!<
Bert & Nancy Thornton
% Ronald Butler, Esquire
500 North Third Street
12th Floor
Harrisburg, PA 17108-1004
Cumberland County Tax Claim
Bureau
1 Courthouse Square
Carlisle, PA 17013
Eugene E, Pepinsky, Esq,
Keefer, Wood, Allen &
Rahal
210 Walnut Street
P,O. Box 11963
Harrisburg, PA 17108-1963
Allfirst Bank
113 Market Street
Harrisburg, PA 17101
First Union
604 East High Street
Carlisle, PA 17013
Mayfair Creamery
1619 North Center Avenue
Somerset, PA 15501
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~,":':"'>":~:VED Harrisburg.
n ~vi.-'!.I''J PA
IN THE UNITED STATES BANKRUPTCY 0
FOR THE M DDLE DISTRICT OF PENNSY
JUL J!~9.iOOO
T
Par
ankruptcy Court
Deputy Clerk
In re:
C, DAVID SPEALMAN,
a/k/a CARL DAVID SPEALMAN,
CASE NO, 1-98-00205
CHAPTER 7
Debtor
NOTICE TO CREDITORS AND OTHER PARTIES IN INTEREST
OF A SALE OF REAL PROPERTY FREE AND
CLEAR OF LIENS. CLAIMS AND ENCUMBRANCES
AND DISTRIBUTION OF PROCEEDS
Markian R, Slobodian, Trustee herein, has filed a Motion to
Approve Sale of Real Property Free and Clear of Liens, Claims and
Encumbrances and Approving distribution of Proceeds (the
"Motion") for the sale of certain Real Property known as 158
Kline Road, Shippensburg, Cumberland County, pennsylvania (the
"Real Property"), Such sale is to be free and clear of all
liens, claims and encumbrances, except easements now existing for
utilities, as well as rights of way, and certain restrictions and
declarations of record, all as more fully set forth in the
Motion, The sale is proposed to be for a total consideration of
$55,000.00, Such sale is to be to James W. Kendall, an unrelated
party.
The disposition of the proceeds from the Real Property sale
is more fully set forth in the Motion which has been filed with
the Bankruptcy Court, A copy of such Motion may be obtained from
the Clerk's Office of the Bankruptcy Court, The Trustee proposes
to pay, generally, all present and past due real estate taxes
prorated to settlement, certain charges and expenses in
connection with the sale of the Real Property including an amount
of $1,000,00 to the Law Office of Markian R, Slobodian, Trustee
herein (subject to review and approval by the Bankruptcy Court),
and an amount of $3,000,00 to Cunningham & Chernicoff, P.C"
attorneys for Debtor, for services in connection with the sale,
Also, the sum of $1,000.00 will be paid to the Trustee's Estate
Account for the benefit of general unsecured creditors, The
Trustee further proposes to pay a portion of the proceeds from
the sale to Allfirst Bank on account of its loan secured by a
mortgage on the Real Property. Thereafter, the Debtor propose to
pay The Money Store the balance of the remaining settlement
proceeds on account of the secured claim of The Money Store
against the Real Property,_
~ ~~ c .~,
-
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Anyone wishing to object to the Motion must do so in
writing. Any Objection shall be in accordance with the Rules of
Bankruptcy Procedure, must set forth the basis for such
Objection, and must be filed with the Clerk of the United States
Bankruptcy Court at the address set forth below, on or before the
close of business 10 days after the date of this Notice. The
objecting party shall appear at any hearing on this Motion.
Unless Objections are timely filed, and the objecting party
appears at the hearing, the Court may approve the Motion as set
forth above,
A copy of any Obj ections to the Motion must be .served on the
Chapter 7 Trustee, Markian R, Slobodian, Esquire, P. O. Box
11967, Harrisburg, Pennsylvania 17108-1967, with copy to Debtor's
counsel, Robert E. Chernicoff, Esquire, P.O, Box 60457,
Harrisburg, Pennsylvania 17106-0457, such that they have receipt
of such Objection on or before the close of business 10 days from
the date hereof,
CLERK
UNITED STATES BANKRUPTCY COURT
MIDDLE DISTRICT OF PENNSYLVANIA
P. O. BOX 908
HARRISBURG, PA 17108-0908
Date:
5
,~
ohi<;..""'~~ J'"'"".'''''''-''''~'''i'-t~>
IN THE UNITED STATES BANKRUPTCY COURT
FOR THE MIDDLE DISTRICT OF PENNSYLVANI
FILED Harrisburg, PA
\ ~UG"'~ ~Mr
lerk, V,S, Bankruptcy Court
Depot Cieri<
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In re:
C, DAVID SPEALMAN,
a/k/a CARL DAVID SPEALMAN,
CASE NO. 1-98-00205
CHAPTER 7
Debtor
ORDER APPROVING SALE OF REAL PROPERTY
FREE AND CLEAR OF LIENS. CLAIMS AND ENCUMBRANCES
AND APPROVING DISTRIBUTION OF PROCEEDS
The Motion of the Chapter 7 Trustee, Markian R, Slobodian,
Esquire, to Approve the Sale of Real Property Free and Clear of
Liens, Claims and Encumbrances and Approving Distribution of
Proceeds (the "Sale Motion"} having come this day before the
Court, and following notice to creditors in the above case and an
opportunity for a hearing thereon, and the Court believing that
the sale of the Real Property (as defined below) is in the best
interests of the Debtors estate, and that each such sale is made
in good faith, and that the consideration offered is fair and
reasonable, it is
HEREBY ORDERED that:
1, The Trustee is authorized to sell the Real Property
known as 158 Kline Road, Shippensburg, Cumberland County,
Pennsylvania (the "Real Property"), under the terms of and
pursuant to an Agreement dated April 24, 2000, between the
Debtor, as Seller, and James W, Kendall, as buyer, (the
"Agreement"), Such sale shall be to James W, Kendall for the
total consideration of $55,000,00,
2, The sale of the aforementioned Real Property shall
be free and clear of all liens, claims and encumbrances, except
for easements and rights of way of record or as may exist upon or
under such Real Property, All liens will attach to the proceeds
in the order of their priority subject to the distribution set
forth in this Order, The first secured lien against the Real
Property is the mortgage granted to Allfirst Bank in the amount
of $39,592.55 as of April, 2000. The second secured lien against
the Real Property is the Mortgage granted to The Money Store in
the principal amount of $34,000,00, Both mortgages are recorded
in the Office of the Recorder of Deeds of Cumberland County,
Pennsylvania, Other liens consist of real estate taxes unpaid
and owing,
II
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3, The sale shall be free and clear ef all claims,
liens and encumbrances, except easements ef municipalities and
utilities, subject to. the distributien set ferth in this Order.
4, The distributien ef the funds generated by the sale
ef the Real Preperty shall be as fellews:
i, Any netarizatien er incidental
recerding fees required to. be paid by
the Debter as Seller,
ii. Any past due real estate taxes, and
present real estate taxes ewed en the
Real Preperty, prerated to. the date ef
the sale.
iii. Any costs associated with the
preparatien of the deed er nermal
services with respect to. clesing,
iv, Trustee's cammissian in an amaunt
af $1,000,00 payable to. Markian R,
Slabadian, Chapter 7 Trustee, payable an
accaunt af services in cannectian with
this sale, subject to. review and
appraval by the Caurt,
v. The sum af $1,000.00 to. the
Trustee's Estate Accaunt far the benefit
af general unsecured creditars,
vi, Attarney's fees in an amaunt af
$3,000.00 payable to. Cunningham &
Cherniceff, P.C" payable an accaunt af
services in cannectian with this sale,
V~L Thereafter, payment to. Allfirst
Bank an accaunt of the sum awed to.
Allfirst Bank as secured by the Allfirst
Martgage.
v~~~. Thereafter, any net preceeds
wauld be paid to. The Maney Stare an
acceunt ef the sum ewed to. The Meney
Stere as secured by the Meney Stere
Martgage,
5, The sale is to. a gaad faith purchaser and far fair
market value within the meaning af 11 U.S.C, ~363(m) and In re
Abbetts Dairies af Pennsylvania, Inc" 788 F,2d 142 (3rd Cir,
1986) .
2
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6, The Debtor is empowered and ordered to execute any
and all documents necessary to effectuate the sale of the Real
Property.
7, Any capitalized terms not defined herein shall be as
defined in the Sale Motion,
8. Fed, R, Bankr. P, Rule 6004(g) is not applicable,
and the Property may be sold and purchased promptly,
9, The Clerk's Office is to provide the Debtor with
certified copies of this Order, upon payment of the normal fees,
as are necessary to be recorded in the Office of the Recorder of
Deeds of York County, Pennsylvania.
BY THE COURT:
('0/. ~Illlerl J. l&'8llIIlIfle
Robert J, Woodside, Chief
United States Bankruptcy Judge
Date:~\..a..~. \\~~~
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A U.S. DEPARTM@NToFHOUSING and URBAN DEVELOPMENT OMBNo.2502-0265
SETTLEMENT STATEMENT
. . TITLE"PRO
CAPITAL ABSTRACT LOS9lprlnl
CORPORA TION B, TYPE OF LOAN
11 North Carlisle Street 1,{lFHA 2,{ JFMHA 3.1] CONV. UN\NS,
4.{ JVA 6. ( ) CONY, INS,
Greencastle, PA 17225 e, FILE NUMBER: I 7. LOAN NUMBER'
121
Phone: (717) 593-0900 FAX: (717) 597-2436 a. MORT, INS. CASE NO,:
C, NOTE: This form is furnished 10 give you a statement of actual settlement costs. Amounts paid to and by the selllement agent are shown, Items marked
'(p,o.c.)' were paid outside the closing; they are shown here for informational purposeS and are not included in the totals,
D. NAME AND ADDRESS OF BORROWER: E. NAME AND ADDRESS OF SELLER: F. NAME AND ADDRESS OF LENDER:
KENDALL, JAMES W, SPEALMAN , C, DAVID
AND LOUISE A,
G. PROPERTY LOCATION: H. SETTLEMENT AGENT: L SETTLEMENT DATE:
39-32-2285-007
158 KLINE ROAD CAPITAL ABSTRACT CORPORATION 08/14/00
SOUTHAMPTON TOWNSHIP PLAC,E OF SETTLEMENT:
CUMBERLAND County CENTURY 21 - CHAMBERSBURG, PA
J.'SUMMAflY,OF BORROWER'S TRANSACTION: K. SUMMARY OF SELLER'S TRANSACTION:
100. GROSS AMOUNT DUE FR'OM BORAPWER 4OQ,QROSS AMO,,",NT DUE TO SELLER
101, Conlract sale$ price . ~~UUU,Uu 401.Conlract sares price 550UO,OO
102. Personal prop'arty 402,Personal property
103, Settlement charges to borrower (Hne 1400) 1161,75 403.
10'L <\04,
'" 405.
Adjustments for items paid by seller in advance Adjustments for items paid by seller in advance
106.CityfTownlax to 406.CltyfTownlax to
107_Counlylax 08/HI OOto 12/311 00 l05,5l 407,Counlylax 08{14{ uOto l2{31/00 l05,51
10B.Assessmenls to 40B,Assessmenls to
109. School 08/14/00'006/30/01 l048,76 409. School U8{14/ OOto 06/30{ 01 1048,76
110. '0 '" to
'" 411,
112, 412.
120. GROSS AMOUNT DUE FROM BORROWER 57316,02 420,GROSS AMOUNT DUE TO SELLER 56154,27
200. AMOUNTS PAID BY OR IN BEHALF OF BORROWER 500, REDUCTIONS IN AMOUNT DUE TO SEL/..ER
201. Deposit or earnest money 501.Excess deposit (see instructions)
202. Principal amount of new loan(s) 502.Setllemenl charges to seller (!lne 1400) 9151. 52
203_ Existing loan(s) taken subject 10 503,Existing loan{s) taken subject to
204. 504.Payoff of First Mortgage Loan
ALLFIRST 41J,45,38
>OS 505.Payo11 oi Second MOI\gage Loan
MONEY STORE 4359,11
'" 506,
207. 507.
208 508, COUNTY TAX 302,48
208 509. SCHOOL AX 1B5,78
Adjustments for items unpaid by seller Adjustments for items unpaid by seller
210.C\\yFrownlall to 51l:r.C\\y(fown tax to
211. Counly lax to 511.COuntytax to
212_Ass8ssmenls to 512.Assessments '0
'" school to 613. School to
214. 514.
215. 515,
2Hi. 516,
217. 511.
218. 518.
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220. TOTAL PAID BY/FOR BORROWEA 520. TOTAL REDUCTION AMOUNT DUE SELL-EA 56154,27
300. CASH AT SETTLEMENT FROM OR TO BORROWER 600, CASH AT SETTLEMENT TO OR FROM SELLER
301. Gross amount due from borrower (line 120) 57316,02 S01.Gross amount due to seller (line 420) 56154,27
302. Less amount paid byffor borrower (line 220) 61Y2.Less reduction amount due se!~r {line 520) 56154,27
303. CASH ([Xl FROM) ([ ] TO) BORROWER 57316.02 603.CASH {(XI TO) ([ ] FROM) SELLER 0,00
Buyer or Borrower's Signalure
Seller'sSignalure
HUD-1 Rev,5/86
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U,S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT
SETILEMENT STATEMENT
701.
702,
703.
704.
800.
801.
a02,
803.
804.
805.
aoo,
807,
806,
809.
810.
811.
900. ITEMS REQUIRED BY LEND,~R~TO BE PArD IN ADVANCE
901.lntereslfrom 08 14 00 1008 31 00 @$
902. Mortgage Insurance Premium for mo, 10
903. Hazard Insurance premium for yrs. to
904. yrs. to
L SETTLEMENT CHARGES 121
700, TOTAL SALES/BROKER'SCOMMISSION based on prlee $ 55000,00
Division of Commission (line 700) as follows: Total:
$ to
$ to
Commission paid at Settlement
0,00
OMS No. 2502-0265
Page 2
PAID FROM
SELLER'S
FUNDS AT
SETILEMEN'T
ITEMS PAYABLE IN CONNECTION WI'TH LOAN
Loan Origination Fee %
Loan Discounl %
Appraisal Fee 10
Credit Reporllo
Lenders Inspeclion Fee
Mortgage Insurance Applicat\on Fee to
Assumption Fee
Iday
905.
1000.
001,
1002
1003,
1004,
1005.
(l(Jl;,
1007,
1008,
1100, 'TITl.E CHARGES
101. Settlement or closing feeto
1102, Abstracl or litle search to
1103. Title examination to
t 104. Title insurance binder to
105, Document preparation 10
106, NOlary fees 10
1107, Attorney's fees to
(includes above items No,:)
108, Title Insurance 10
(includes above ilems No :)
Lender's coverage $
Owner's coverage $
99,65
Imo,
Imo,
Imo,
Imo,
Imo.
Imo.
Imo,
Imo,
RESERVES DEPOSITED WITH LENDER FOR
Hazard Insurance mo, @$
Mortgage Insurance mo.@$
City{Town lax mo,@$
County tax mo.@$
Assessments mo. @ $
mo,@$
mO.@$
mo.@$
22,99
CUNNINGHAM & CHERNICOFF
3000,00
CAPITAL ABSTRACT CORP,
1000,00
1000,00
1109
1110,
1111.
1112, TRUST COMM MARK SLOBODIAN
1113. TRUST ESe MARK SLOBODIAN
200. GOVERNMENT RECORDING AND TRANSFER CHARGES
201. Recording fees: Deed $ 27 . 50 Mortgage $
1202, City/counlytax/slamps: Deed$ 1100. OOMorlgage$
1203. Slale lax/stamps: Deed $ 0 . 00 Mortgage $
1204.CERT ORDER CUNNINGHAM & eHERNICOFF
55,000
Mise, $
27.50
550,00
550,00
25,50
5,00
205,
1300, ADDIT10NA1. SEH1.EMENT CHARGES
1301. Survey 10
1302. Pest Inspection 10
1303.98 TAXES TAX CLAIM
304. 99 TAXES TAX CLAIM
303, FINAL C,F,J,M,A,
400, 'TOTAl. SETTLEME.NT CHARGES (enter on Ilnes 103 and 502, Sections J and K)
1161. 75
1715,77
1847.17
33,58
9151,52
,-
Pa,ties agreo thaI no flablmy Is assumed by Sememenl I\gen1 101 lhe aeeuracy 01 inlormalion lurnished by mhels liS shown on the HUD-\ Sl!\\\emelll S\alamen\. Sll\\\emenl AWln\ D1l1eby ellpll!Ss\y
raserves tha light to deposit any amounts eolleeled tordisbursemllnl i nanlnteleslbealingllecountinllFedelally;nsuredinslilUlionandlocredi!lInyinlerestsoearnedloilsownaccounlasaddillonal
compensa1ion for ilsservlces in lhistransaction.
HUe CE.R'TIFICATION OF BUYERS AND SELl.ERS
I have carefully reviewed the HUD-l Settlement Statement and to the best of my knowledge and belief, it Is a true and accurate statement of all receipts and disbursements
made on accountby~thistrans tio, Ifurt r rtifythatlhavereceivedaCOPYOlth~HD::Jtateme
tI.,;f"7"~
BuyelorBorrower'sSlgnlltu,e
Soller'sSlgnllture
Sallar'sNewAddross&Phone'
Buyer'sAddrass&PhOne
TheHuO.lselllem~IISlat
enl which I have plepa'ed is a tlueandaeeurateaccounlo! thislr ansae1ion.lhavecaused 01 will cause the lunds 10 be disbursed In accordance wilhlhisslatem ant.
'4/1+,(=
SelllemantAgant Data
WARNING', It is II crlmo to khowinllly make raise statemenls 10 lhe Unitad Stales on this Of any simirar torm. Penalties upon conviction can include a lina IInd imprisonment.
Tl1le 18: u.S. Coda Sect'on 1001 andSeCllon 1010.
fordetailsseo
HUO-l Rev.S/BB
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CERTIFICATE OF SERVICE
I, Henry W, Van Eck, Esquire, do hereby certify that a true
and correct copy of the Answer to Complaint in Mortgage
Foreclosure, Together with New Matter in the above-captioned matter
was placed in the united States Mail, postage prepaid, certified
delivery, in Harrisburg, Pennsylvania on this date on the
following:
Mark J, Udren, Esquire
1040 N, Kings Highway, Suite 500
Cherry Hill, NJ 08034
Respectfully submitted,
CUNNINGHAM & CHERNICOFF, P,C.
Date:
8,-(t:;-6e
By:
. Van
I,D, # 3087
2320 North Second Street
P.O, Box 60457
Harrisburg, PA 17106-0457
(717) 238-6570
(Attorneys for Defendant)
/
,
-_. -~~,
MARK J. UDREN & ASSOCIATES
BY: Mark J. Udren, Esquire
ATTY I.D. NO. 04302
1040 N. KINGS HIGHWAY, SUITE 500
CHERRY HILL, NJ 08034
856-482-6900
The Bank of New York, as
Trustee Under the Pooling
and Servicing Agreement Dated
as of February 28, 1997,
Series 1997-A
One Old Country Road
Suite 375
Carle Place, NY 11514
plaintiff
v,
C, David Spealman
Louise A. Devaric n/k/a Louise
A, Spealman
158 Kline Road
Shippensburg, PA 17257
Defendant(s)
!---~
,--oj
- -'"
-.,'-
ATTORNEY FOR PLAINTIFF
. COURT OF COMMON PLEAS
: CIVIL DIVISION
: Cumberland County
: NO, 00-3519 Civil
PRAECIPE TO DISCONTINUE WITHOUT PREJUDICE
TO THE PROTHONOTARY:
Kindly mark the above DISCONTINUED WITHOUT PREJUDICE,
upon payment of your costs only.
DATED: December 17., 2000
~.
Mark J, Udren, Esqu~re
Mark J, Udren & Associates
Attorney for Plaintiff
-
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