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Home My WebLink About00-03758 i-'" r I' ... / ~ " - '0- ~ Spear & Hoffman, P.A, BY: RICHARD M. NELSON, ESQUIRE Attorney J.D. No, 72869 1020 North Kings Highway, Suite 210 Cherry Hill, New Jersey 08034 (856) 755-1560, Attorney for Plaintiff, Loan No. : 700184 M&TBANK 1100 WEHRLE DR" 2ND FLOOR WILLIAMSVILLE, NY 14221 PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO, 00 - 37S? Cu~l'-r~ vs. SAE YOUL CAHNG AfKJA HARRY CAHNG AND HEE JA CAHNG AfKIA LENA J, CAHNG 3 PATTON RD MECHANICSBURG, PA 17055 DEFENDANTS COMPLAINT - CIVIL ACTION COMPLAINT IN MORTGAGE FORECLOSURE NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after 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. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17103 (717) 249-3166 - .- " ,., .~"...h~'. -, ... ~ A VISa 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 deplazo a partir de la fecha de la demanda y la notificacion, Hace falta asentar una comparencia escrita 0 en persona 0 con un abogado y entregar a la corte en forma escrita sus defensas 0 sus objeciones alas demandadas en contra de su persona, Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso 0 notificacion, Ademas, la corte puede decidu a favor del demandato y requiere que usted cumpla con todas las provisiones de esta demanda, Usted puede perder dinero 0 sus propiedades 0 otros dereches importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDlATAMENTE, SI NO TIENE ABOGADO 0 SI NO TIENE EL DlNERO SUFICIENTE DE PAGAR TAL SERVICIO, VA Y A EN PERSONA 0 LLAME POR TBLEFONO A LA OFICINA CUYA DlRECCION SE ENCUENTRA ESCRITA ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUlR ASISTENCIAL LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17103 (717) 249-3166 Ill'!;) . . Spear & Hoffman, P.A. BY: RICHARD M. NELSON, ESQUIRE Attorney J.D. No. 72869 1020 North Kings Highway, Suite 210 Cherry Hill, New Jersey 08034 (856) 755-1560, Attorney for Plaintiff, Loan No. : 700184 M&TBANK 1100 WEHRLE DR., 2ND FLOOR WILLIAMSVILLE, NY 14221 PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO, tJv - 3 7 S'S? C..;;J t..u...-... vs. SAE YOUL CAHNG A/KIA HARRY CAHNG AND HEE JA CAHNG A/K/A LENA J, CAHNG 3 PATTON RD MECHANICSBURG, PA 17055 DEFENDANTS COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is M&T BANK, with its principal place of business located at 1100 WEHRLE DR., 2ND FLOOR, WILLIAMSVILLE, NY 14221. 2. The names and last known addresses of the Defendants are: SAE YOUL CAHNG A/K/ A HARRY CAHNG AND HEE JA CAHNG NK/A LENA J. CAHNG, 3 PATTON RD, MECHANICSBURG, PA 17055. 3, The interest of each individual Defendant is as mortgagor, real owner of the real property subject to the mortgage described below, or both, 4. On or about FEBRUARY 27, 1996, Mortgagors made, executed and delivered a Mortgage upon the premises hereinafter described to M&T BANK, which Mortgage is recorded as follows: Office of the Recorder of Deeds in and for CUMBERLAND COUNTY DATE OF MORTGAGE: FEBRUARY 27, 1996 DATE RECORDED: MARCH 1, 1996 BOOK: 1305 PAGE: 586 1 ~.- ~~ ~J.. . _, "J:ll:> I .... < The Mortgage is a matter of public record and is incorporated herein as provided by Pa, R.C.P. 1019(g), A true and correct copy of said Mortgage is attached hereto as Exhibit "A" and incorporated herein by reference. 5. On or about FEBRUARY 27, 1996, in consideration of their indebtedness to M&T BANK , SAE YOUL CAHNG NK/ A HARRY CAHNG AND HEE JA CAHNG AfK/ A LENA J, CAHNG made, executed and delivered to M&T BANK their promissory Note in the original principal amount of $60,000,00. A copy of said Note is attached hereto as Exhibit "B" and incorporated herein by reference. The Note is referenced herein only insofar as the terms of the Note are incorporated into the Mortgage. 6. Plaintiff is the legal holder of the Mortgage by virtue of being either the original Mortgagee, the legal successor in interest to the original Mortgagee, or the present holder of the Mortgage by virtue of the following assignments: ASSIGNOR: NONE ASSIGNEE: NONE DATE OF ASSIGNMENT: RECORDING DATE: BOOK: NONE NONE NONE PAGE: NONE 7. The Mortgage is secured by property located at 3 PATTON RD, MECHANICSBURG, P A 17055, which is more particularly described in the legal description attached hereto as Exhibit "C" and incorporated herein by reference. 8. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, due OCTOBER 3, 1999 and montWy thereafter are due and have not been paid, whereby the whole balance of principal and all interest due thereon have become immediately due and payable forthwith together with late charges, escrow deficit (if any), and costs of collection including title search fees and reasonable attorney's fees. 2 - - ~- " "_ 4' "._,,,, :,' ... 9. The following amounts are due on the Mortgage: Principal Balance $62,561.11 8.50% interest from SEPTEMBER 3, 1999 to JUNE 14, 2000 at $13,93 per day $4,254.48 Accrued Late Charges $49.33 Recoverable Advances $20,00 Estimated Attorney's Fees $3.600,00 TOTAL AMOUNT DUE $67.923.81 Interest continues to accrue at the per diem rate of$13,93 for every day after JUNE 14, 2000 that the debt remains unpaid. 10, Pursuant to the notice provisions of Act 91, 35 P,S. ~1680.403(c), and the notice provisions of Act 6,41 P,S, ~403, as governed by 12 Pa. Code Section 31.201 et seq, as amended by Act 160 of 1998 effective February 19, 1999, Plaintiff sent the combined Notice of Intention to Foreclose Mortgage and Act 91 notice to Defendants, dated MARCH 7, 1999, Copies of the notices to the defendants are attached as Exhibit "D", Defendants have failed to cure the default and Defendants have failed to meet with the plaintiff or any of the consumer credit counseling agencies listed in the notice and! or have further failed to meet the time limitations specified in the notice and!or have been denied assistance from the Pennsylvania Housing Finance Agency, 11. Notice pursuant to the Fair Debt Collection Practices Act is attached as Exhibit "E". 3 -,. c :1<:_1 .. WHEREFORE, Plaintiff respectfully requests this Court to enter judgment IN REM in favor of Plaintiff and against the within named property of the Defendants in the amount set forth in paragraph 9, together with interest, attorney's fees, and other expenses, costs and charges collectible underthe Mortgage and for the foreclosure and sale of the mortgaged premises. SPEAR & HOFFMAN, P,A. DATE:~ ~ RICHARD M. NELSON, ESQUIRE 4 -, - ~ " ,- '. < VERIFICATION The undersigned, RICHARD M. NELSON, ESQUIRE, being duly sworn according to law, deposes and .says that he is the attorney for Plaintiff and that he is authorized to make this Verification on behalf of Plaintiff, and that the facts set forth in the foregoing Complaint in Mortgage Foreclosure are true and correct to the best of his knowledge, information and belief. THE UNDERSIGNED UNDERSTANDS THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF 18 PA.C.S. SECTION 4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. DA TE:-B{tf ('9(\ ~ RICHARD M. NELSON Attorney for Plaintiff )CDI"'ir"""~"-"'-"""----'"-~--'-""'") OPl 'ENlP !MORTGAGE t HOME EQUITV !.IN!: OF CREDIT M& T Ilank. NlItional A..oclalion NOTICE TO B .RROWER: This document conttllns provisions for a \ranable mtet'e~t fete , \ Otrte , February 21. 1996 ...... .'1..... ,.,. .'- .~N.A. ;, Ref NO 360038 ,~ lorlOwer 1~. ".mt: Sae Youl Cehng ailtJa Harry CaM(1 Bartower 'os Addrn$::J Pa"on Road. Mecharnt$bUlg. Penn$ytvanlB 170ti& Bonower 2'a Name: Hee Ja Cahng alft./a Lenll J. Cahng t' BOhOWet 2's Addre-n: 3 Patton Road, Mochanicsburg, POM$vl,vantb 705.& Odw Owne,'" NaMe; ; . Otho, Ow...... Addre..: ' M0I1D80~ ,... t!1Itat6: 3 Pauon Road. MechanicsburQ. Cumberland. PA t 7055 Medmum. PrincIpa) .emwnt: SIXTV lHOU$Atll:D DOUARS AND 00 CEN1S 1&&0.000.00) ~S OPEN-EHO MORTGAGE SECURES FUTURE ADVANCES UP TO A MAXIMUM INDEBTEDNESS OF $~2AOS:OO' EXCLUSIVE OF "I" EftEST AND EXClUSIVE Of ADVANCeS THA,. MAY SE: MADE BY us UNDER THE PROVISIONS OF- RAPHS 7. 8. 9. lO. 1. 17 ANO Z2 OF THIS MORTGAGe.. 1. MtanlnQ of sante word~. In ""ll$ MortgDge. fat "you" and ,out mtran anyone $19m", thl$ m~age. whether es a bOrrower or o\kof 0Yf'l'lef. 0>> we," ..~.. o;our- and "outs"moan MaT Bunk. NatiORBt ANGelation. 54 Main Stloet. Oakfitlld. New VOIle. 1412&. fel ..the loan 119rgement" means a'home equitv line of cttdit aCCOUnt IIgreement dated the detfJ: of thi&' PlQnveue and ~ by ev81'VOn& slonln9 this martg<<ge .atl a ba<<QW~U and ua. as U1e_tO'"m$nt '!XI$t'$ now or is changed in the furure. or any ~aQtfnOnt 01 tM a~emDn\. 8$ lhe rep'_8cement exist.s when mned Of is changlJd elm mat. Wl "the Wlebteclne&s" ~. den togethe,. aU amounts payable now or bec:omlng pevable In the fuaure lII'lCter the loan egreefl1ent and this mortgage. (eJ "rhe- ~~.. ""8M 1he "'~ estate. .\$ and Jemar J)8vmenta ~bjcl In-. Sectian 2. and (fI "prior mottgape" means any docutn8nt giving .. pt~ e:ldstinq mongage hen cove,i!"IJ anv ~f \Nt ~tty. &$ \he document &XIS\$ now Of is- ~hanged In tha future. Of' ajly rep'e.cement of the daeument. as the replacement ulsts wben slgriecf. Qr ., changed 9her that. , ' Z. "~lIen. To secure 1J\f pa~ of the indsb1ed'rnns. yOU give us 8 mongage',ften coveriftO and heretJv Mortgaget- 9I'8:lIt and convay 10 us {B)the real estate commonly described .oy.Ule ed_, ....wn at tho. be9<_ of _ !"!!"QIQO as .'" '!'<<'llf! ,oal estate lend desGhbed "'ote fully . Of. the- legal de;c:I1 Jet forth in\$chedu1e A. inc1u~ all buildings and ather ntpfovemeC'4S located now at ptoced in thO Mute on. the reel ~tere and aU fixtures that are now Of bec::omlt in Ihe futuro pafl oI1he real "tate by ~ Jnsudfed In or on or affh&:ed to the real em.. (hI aU rigtqs you nave now or 60qUlre in the Muff: 'ia, the leaf est.1e or Oth8t feal est,,", becau5$ VOU own the resl est_. IncSudir'lQ. if the rea' .e~tale is J)a1t of II condontinlum 'PJ'Oi'ect.. rigtna. in the ccmmon ...eu- and faclli... of \he Coridcminium 9fOieCi. and tel ell renral paymJJU$ from any of the' teal "t$. "1M teaf ..,.U1'h1 is part of II cond"orninhun pr.oj"t or ~ unit devewpment. tho nitme 01 the eon,domin\ui1l project or atsnmd 11M devetop."'lIeI\t is set f<<lhin SCbadute A.~ ~es of ..rures die furnaces. hot wfiat heatets. balh~bs. .in~ and kitChen Cb'blneu inftafJed in a building. An eX8A1 e at a r1ghl in .._ute 1hllt ~1t$' because. ot ~ Q\'Il'net'$hip ttw toal f5stete II the fight ~o money payable be:caw;e Of 1.he ta~ of eny of the tftI GSt.te W It goys'fVi'lenral body dr beC01l$8 of tI"Y tfGll$f8t of owneqt.ip ol 3ft't of 'he feat alate instead of iu 1~ by " pemmentrtf body. Aft exemple of II rigbt in other real ,tt8t8 thSt amlN beeau... of 1M ownership 0' real4M-tate is the righllO cross the O!tmr r.at 8ftlBhJ to gel to 8 streC!l'l. 3. Latn IIIIf\Sflmt1ll. The loan Igreernent limits the totat Drinclpal .tn1OUnt of advances and readvenr;8S obtained tmd:er \he JOan _. Mda, """ ............_to\be""""'"""..In<:ipol fInOUnt shGtwn #t the beginnin(J of this mortg.. The loan 8$l'HmGnl Ph'vide$ _for an smuat Pl!'fcent&ge ra'le and ,equired ninhn\.n ~n\tm1$ th&1: een V8tY. You 8\1'" tbat \M m\Qfest tate "" ~h ,n VIe loatJ agreement wiD COf1,tinue befGre and efter . de1auh. er4IV 01 iudgmlint and fOfed~. 4.""~. You auure (,1$ thee (aJ you have. ncWfted till in WIlting' of any prior mortgllge. fb) there ;s no dofault under anv pt'1(lf monpge and f~J no prior f1"IOrtgaSe Qtol!ftNts you ftom 9iv1I'9 uS- the mortoage lIeft 'fOU lIIe fti'l'lnQ us 11\ thit mOl'\98.p. 6. ~....-.hIp. c:Ialml artl' right to afve rncrngage lien. You (mute U$ that Is) yau own the J..opertv. 1& ttIe- prOPtl'ty ts free from "'Y cJIq1\. .~ lor &r\'If t.latm of 'ROrd an the date: of \M monq.. and Ie) you hlt,e tN ,tgM to gt~ ut the mortgage hllJfl yOu ... ~ ua .... ,hll ~ You .arrant f,," t~ nUt PJ~Y. .~ meant that.,-au.d 1Mt ~ tot P'f tos.~ wo $1A1f1t beCause 8I1\'t'~ otIW thBn V'OCI Nt Bn1 ctaim to lfItt/ Of the ptapeny. .z.:opt r.... any c:1pn of record on the dace of ttvs "'""- 8 p~ of Incf",bNd....., 'Veu mUlt fir( tf1tt ...lhodmt-s 7 t.... e$fUStf~. 'flMs. rar.tl d\fttvIs, You mus, on 4"', r.... ft........"..., QlfJun ft"1. !lewer",rtt or ."al<<ft chdf1l(" on Ihf! ~~ end arty o,t_ .111 tIf u1het Chat", thO'r f. ~C!. cOUfd becibma .fJ efllm" at""" DtoplM'!.., ~,~ ,~ \t'..e m(lI1P$ 'Itm vow. ..gt-^"'C\-t.A""'t.....fn1)ft~. en4.dVOJ.l""nl)lP"'II.rtfwo;f~ ItMO ",",Ii", ~btt;h rC ~ 'l3lI f*d .,..t11'~ *'Y petvtlh'. *<<'~. but .e ...u",. hot... to, p,J,'1 Whlr V'4'."llywl"60~. 'ItlUl'I",~, '~'lW \tI ~... Alt."."~ '"' atk 'IOU to do ltD. \,o.J fPN.4t PO'( '" I"~~,f ~ aa ur-t~" 00t1u;lh at. thuugh tht j " unreimburaed portion were an amount on whlc:h "you had 10 pay a finllnce charge undet the I08n lt9'faement. . 8. R.Plr~ and rebuildlnl.t. You must promptly fflPa!'or'rebuild arrv building thet 1$ now or 6tlt:omes in thfrfuture patl,l&f th$ propsny if b is dam_ed or destroyed. ,Md. if you do noT Jto so. we can. but w~ wUlt\Othave \(I. fepair or cebUild it. ~we uk you to do 80. yOU must reimburse '" for any amount W8,~V to repalr' Of rebuild .1. AJso when we esk vou to do ljIo. yoU: mus. PIIV Of inwe5t on the U('leiR\bUt$'6d poIt\On o( that Gl'r\Gur\\ h th~ the un,ejmbursed pc-rhOn were an amaunt on \-\t~eh r",' bad to oav a fi'utAC8 Charg~ undet the IC8" agreen'W1t. (t. ftet.trictions- 011 use. You must not use ItlV of the property. Of aUow .11~ of it 1,0 be used. in anv way that vlofates. 81lV legal .restriction Btfeettng it;- ~e# and, if youdO so. we-an. but W6 will ~Dt hllve to. COftUct the violelion. When wv ask VOu to do 80._ you must reimburse us for al1V amQunt we pay to conec;t it. AI.o. 'Nhsn we Hk. you '0 do so. you must pay us interGst on the UMtlmbursed CkQl'tion_ of that aMount a9: thot.Q\ Vlft tllWimburud pcIr1ion wer. an amouBt on which you h8iS t . ipsv ~e .fJnatrce . i:ttargo. l;Inder-thtY laall agreement. I 10. lnaurBPC9. You must keep "BY building tllet is now (If becc~ .lBI In the future part ot thit praperty insOfM :for our, benefit qainst lOss by (3:) fire (bI any .riskeov81'e<lbv eltter\ded eover~. fe) flood ,f the building is 1008ted in en area that has been idenri'led bV the fectersf Em6l~CV M~emenUA.~ 8$ an Ufo. t\1Ning spec.itl it~ hoar. end 10r whid\ ffooCI insurance has beGn made availAble under the 'National Rood Insurance Act of 1968 or (d) 'anV OIher risk, againft Whicl'l wo want It insured. The in$u,rance- rma1 be FO"w1ded under a policy Of ~&$ and by e conltJ$1V or com~"ies 'cc!Wtab1e to vs. W"rrhout 'IimitlllQ: the proceeding sentence, any policy PfOVldinp any of the Insunlnae must contain a $1andar6 m0!1:D8ge _clause In 0Uf favOr. You'must deUver to,us. any policV' p~ any of the ma\lf~ untes& it \$ being held by any lnstitutlo,nat fender that Is the owner of any prior mcufgaae 8~ you notltV LIS Ihrn: it is tJei!lg _ held by the InstitmtQnal tender. When we est you to do SG,,' you must rein1bUlSe us for eny premium for env ,of the insUf'!ince we pay b~$8 you do tIOf deliver to us the poIh:;v prQviding that iMur.mc6 Of because VO\J do not notify us- \hat the po1iey ~l'O\'idln:g than in;umn~ is ~ heJd by tho instilUtiQn8lI J6ncfef ~hen we .$" 'VI)Lt ~ cIo so. you must pay us inltre$t on 1116 _J>Ortionot1be_..\h0u9hthoimrolm_ . porticn were .an ~ on whieb vou hail to ~V a fiMftCC '; ~o UIlder lhe loan agreement. If any buildiAQ ih6t is. now Of ; becnmes in the future ~ of the- property ta: .d~ or ! dtoo........~OUr<<US\_...notlly""y_nv~..., i Clf thII rnsuranl;$ on the bul1ding of the d~e or destl'UCtlon end .r pulIltltlll to the- comp&J:IV whllte.,er -root of Uur d."'aee Qt j 1fe$tf\R:.~i'~. "VOudonot\1~$O-.we",,:,bu1:w.'4riI { not h1I'l1&.to....do-lO. .n.lhe-tGmPlftV'offers-to-selde.. claim.fat ' mor>>\J pay8b1a under that'insuf811Ce ar1d you do not NSpo,nd to tho- dl1im wtthin 30 dDys af1er th& date ,he ~JI'I!lY rna\e$ the affer. Ilffl: ~n.. but we will not have to. .nttkt the~. W. 0In 811DI\o nny mon&\f paid und'et erty Of fhe i"$"""CO to any uf the mdebtlldnt$. nol velpatd in any ordet we ..l'IDoIf! or Qiva rt to ~ '\Q(II,,,,", Of ~ iN:.~. TNt apptlCltton o,f 1hit.mof\6V ""ill not rebeve yOU of anY' obligation to pev .tny future nunimum i paymen' ,tqUlred under .he 101ft egte8'tn4tP, 1 11. 'qyltUlnl of tu.Q~ assestmentl. ram... ~ ... . pren_lIftS. to mali:e sur<< thet taxes. ~fS.. ground rents. 1Ie~ reflt$ end ".Iet eNtges .". t'het,vOpeftv and premiumS tar U\SUtQl'\te 'Oft l.ho pro""" ue pai4,. W."l' ~ that. ~ 'to III,., Iltmitation unp0se4 by ~ law. you must I>>V \4 tI AmOlJ(l.t$ necesS81y to paf ihoM item& peep! to me e.lt" tbit you ~ the ft'IOney fw thoK \ttfI\s '0 an., iN.tl,'Mionel ... tMt IS tM C'rWner 'Of env pl1(If monO., We WIll hold any money you: pay \5 1lM 1hMB ttem, If' en "etO. ~count. .ilI\d.-.nt.........., lntetltM (In lt$ mor'!8y to the ."\\"f'I\ 10&0WecS bt ~ tuf. T (l1f1lr It.t~t thot we lie holding m(lllef' '" .h9 ~~row account to ~ nnv ~f tholli!' It",",,,. Vlf; .,,11 pay .t YWlthut tIMt tlm. **thm IN~ It c.an be PAId WIth<l!J1 OIl, QeNIl\'y ~1 ~ 8MO\JI'Il 0\ ~ ." 'tM 0(:'0111I ac<:ao.,nt fS. ""-, ~t\ U\oe ~~.. pay fat t~ 'I~. 'f(Ib rn4i4t. ...."'" w. ",,, "0l.,I to do '4. pay \II thI dlHIlfenct' JIIrtd you rnt,It-l, wtwsn "". au y~ '~do 1l0. I>h u$ U\lcfttt on the ~ ~\OI'l of tht $.~t~.. .. ~ \M ~dpct'NJl1""erean~'(ln~i'Uct'vt'uhr"''''-''' . -.-. -a* ......' "'" '- ..1"..'''''''' Best Copy (C,Y.B. ) .. ,,'II ~ "~ff"I"'~"(""f1~1rnr~ !"t'^~-~ \.~'\'";~ ''''9.\~'!2'~'''':':'lI~''~ ~ ~'r,J~Y_""~11 ':1I')lW' ~ t':%'t!~"t(( "~"''''''''''ij$.'%'~t''l!l ~~""-~~~t !I-""-" '''';1;-;~r'~'''f, pFtf1~f'7';',~f~~~::~~~\):":;fr~\:~~.,\,\;:1,'lJJf;),{)t" .:^ fli ~l<.;:,."l~l~:"i ~;;~.--,~" ~,.:~,- '7r~<":,..~,t' ~\r,> o:'!,~" . ;;:~ ~.~'j_;.~"':'.::';(~'~F~t:"1 ,;": "<', :":.: ,-. . '. ~.,., J ,''';\'~', '" O't<<" " T ,", ~ ""' ~-~\ \~\~ ~"~...'~t .0'( pan 'Of 'lll~ m~l:tjj \;....t~,,\C~. ..~ ~, ,~,~w "'V~1<H. 'AN-/', k!-g,f ~utl.t,(:tn "J:t>> I'lQ th(~ _, ;<,:-, , ~C..w. hw, iM law v.nn t:orlUtll. 'J11:t 1;hl~ cnort\lolll:Je wllf be m~if1~~ wlllt~ decl~d in fl(<l".of';$~n~'tl wIth !fi Pl:InIllt ..vl!t.rnA ILl fI ~~~l, C::9f"t~\'ft: ~ to t!w ~J(t~!O~ M(:iMI'$8fV tG eom~'1 w~1h it, with~j~t l'tgatd ~o tlu'l t6\",' '1f 4l1V atMf $t/lit3M1.'l ibl to: ~16f.l\"ij:r,;t r, '~l..' -, ~ ~" " ,'- '.;." \' \ ,prtlt::l~~ f~<5l1i'r6.1 SllW, ' , .': /;! r:~ " '" t~~:t~tt;'r"V~l<l~'jtJ';U;i~dI~:,;.:r~r.f:ll:"~~~~'~~4-ilr;.t..mo;,..;hii w;,..;....;. <'"ii;;>; .hJ";;,,,pi~;iJ! I I tj~;Nty",~~:4~ ~~~:';;;l~~:~r~~~~~~ flnd th~ m~tij'0Be{ .~~:~~;~..~~~e~hll~:d:~jJ~~~~:f~~c~,~:g;~~~~~~~:\~ "::~" , .'m,~, ",,_QI tll',',m<l,,"",' "I~,tJ'!ts_m, <fI', *", '<~, ,",I'f, l!.f tl!'l1.f t,ner81! tJ.tIOfll:l;.tt~ '01","",' ,"~(iJi(jn.(Md,., .,Volfn'f pfcur tirf!pl,?Vaf.:S orlm'~.~I",l*~~::~': , ,_' .ji)(:t~'!ft"",U1,p,~~.H(~,tuU:a\'."~r".ljry'l-. ptlfll,g, 1lt P(llllJd pm:n:,~p~~...ml::lrtoegf.!. ' . . :'~ f<,";>*,~"':__'ii~-rrV.,~~f~d.,I!!ldfl;qt~':.!_o"n"lt~r~I'!'l:"nl,:rh'"vwltl, '_,,' ,', :',:',' ,.-:,.'::':. ,-,.:,:.'.'-,' "...^: ''''''_/; '-i::~h'Tf~.,:~_ ,t:~f'~;9d i)r;lY',T(~I!l,5'~~~~,~!",.t~m. We w~~1 j'OI6l111~ $'.":Ai~~.!M-flt cOO 4iek~w:t_~~r, ct,~. _y(.!~ iIfP.-ta ~.<: ,,::~-.;':'--,,,\ t~,~_~,~tit1 pt'~ ~r.an. 'I: N~~tO,~ ~.3;~~.b'( YOU-1St:, Intv.l ilJl. ~t :l~i' bound by aI.! pmvl;IOO# flt 0111 m~J1~. :i6l!:i NC~,I"l(lW!tdc4f;"-:', lr"x:/ ~i;: ~:~rih"._w:., d(u~o-UW!- t.~bta:tjt\M" it.. pai-d i!\ tuft. ' r.t:lipt (}f '6 <:ompf~~(td cop,; of tt'/l:! loan ~lf'..ftmen' (!Iid of ,.~,::",,:, ':fi,~~i:;;\,:-i.~J~"\:' mo.tS:iij~, -.. , ;~ ~;:;;F' c,:: ',o?: ":, i , ~ :,,-:~, : .' ~,1n;_\~!'iti~ ~ ,~aw.. 1 ~ 0' ..~h09lJl UilIiWf' ...,f tg J ~/-. ~W' ", "'f, - I. _' I . n_.......__-...." ,~":,,,',~, , /" '" ~IJ. d /? / i;'!>';i"'i'''''' ' ve ' /,ld,;, _' ,,)'1, a:0"~t.~ ~-'-,,~i'i'>:' ~h7i 'M .!' c,tlf7"' , -- (/-' l,.::':,~j".;"..,j".~,~'~'~ . ~' ..;; ,,:,",:., I 'I \ ':/..,i ,",::~ ",;'j r~{:i~;~~~~~Ll~~f _S1~V~~~" ~GN"roRE ACK;N?WLeDGM~NT :";~; i~,,{;f-jl~~t~i~~~L"ii;~ei,::~, I ". '9~~. t~,~, mo. ',".t..y r""~loc lho"w""""nod,~fi",. w~,;~,,;g Jl"'i\:'CHlIipt;~:~-W:,.~~lt~_~",'l;Ja:Harr:.{~ng:_ lUl;r~t1~ ~,. c.t"lfLg W. Lt'Nl ~t, Ca~ ~nown to ltl€l tor s;>.,~_tfaC~M1~ 1'[aV~r1\_ 11) blli: 2he.o:-~ \~~;:';;<,:,;~W/~Alh~~.r.~~,*t$r~af.e:-n~~~~, to .tht.f w.f.hm.lrmn~u~l!t'. "ntl..:k.-w.wr-etf12ed lnat MI"l~ttllf'-y'ex~wte{] ~,n,,,",::~~~?;;; ~,~I,;!<,:"~!,,>,}t*~~~,~': ..,:.., "<;-"":; , ,'-"'. ;,'.... ~a,.:_tL, ',>;;rl~l ,WitNess ,1.'mretlj~;.'(~~;Pit(} l!:f!t' my ham! ~r.d o,nicia'l.oaJ. '<.;'~':, "',",',:,',i;,' ,,' , , , ~/', Elf "1 +-f /,' ".\,,<,".-, ~~. t... ~ +i~[ ~('''"".,,; R'5j'i,if:...~-.. I ,; -------"-- 'l"~; ""~':~';~~~f~~d~:tfil~ii!:l; INo~~~'.tiltiIJl . ~:t;~(': .,:,:.,:..,,, ,.','-:':.- ~- '.;, "'"".,L '~,,,'tt:,,;~P""'" I ~:t:..:,:,:~:. . ,::',~.~,;.'~~,7~~'Jf.Y~..&~"~~~ . ~ i .,' L...'':'__ "', ,,'..... ,"-' ___' . &:/ ~>.. ',,0'. .\~; ~;''':'' ",~J~' " ':.-", ",-',: ',." ':<,:,:::"::'- --:. I,'~ny 1hm. 'u;. wini#llwfl~ ~Pi1g~, ",'I '" T i..\4Nl<. UATmN",~, -'S'OOCtAttON. ~"'1$ an Qffi.;:y ~t 54 P.I!.tm S'ttMl; OJl,;fiEtcl !-~ y'.;it,'14t2..: ,',,' , " '< ; ,~ ~' f' , {: .' '/1. ,< : ,,':li;.- -~ : ~.. _,~, ''.,~'fll.;.);..!. _,______,__.. , ''','' "" ~. 9f"'O"."", ::~ :~,~:,- F'.:;" !r,:; ~'~ 0;,;, 1. t> l,h ':-: ',;' > _i~i ,:. : 'c' I;'"'' ,i.~j; ",-,,-,. Best Copy (C.Y-B.) ~omt,., "'(1 lII..m. S8. YOul CahnQ alkl", Herrv C8hnO &noWfl1 \ '. A,ddreat 3 Patron llotl(t, MachsNC$bufg. Pel'mayWQrJltl l10':lf> Borrow" 2:'" "'ame Hell Ja Cahl'\g tI'-./d l.ane J. Cehn9 Bot1:OWl>> 2'11: Add'I.,,, 3 Palton ~olld. Mflehanlc~rO'. PenOl,ytvef\le n05~ AddNt.. of ""'*' ""'tit s.c:urhy 3 Plttlt", RVlld. Mlltlha"i~.b""~, Ctlmbeder\d. PA 11055 CJdlt Lllnlt 160,000,00 ~4l'Q.ln 00% : M..mwm. ur.e 15.9"h. Efdma.t$d inl\!.1 ANNUAL &tilMtY In\'lw.} chl'YO ~ ,ee. .0232240'lb PtIyment optlol\ ln~t-only b."CHI Ap.pra..J cost 5150.1)0 SUl'ftyeMt , _'_ __, _ _.. Thr. .,.,~h COd!.!!9.&2 MoIIIPfH Utl. In'Ilr'.n<< ....miurn M_..............."". '--__ \ M~ diaohwp r.cordlno CC*1 $.30.00 APpl:icedon'ito&" i ......._- , 1, ~ of.01MI wOf'dt,. in ,"'$ anrellmlll'lt, lo} ":i.o~~ 8,,0 ~~lJ'" mPn anyone siQIll~ this BClroement ell a borrow~r. (OJ ~\'IIe. "\Iii, W "our em! "Gt.l'Il~ mean M&T B~ l\Ialiltnal A..fh:mtlon. 54 M$ln SI'"t.'Qakfl8ld. New Vo!l" '4\2:S. ~~ "YlNt ~.. ""'am ttr& ~om'" IllQUlIY Iit'l1l ~ Cl'l1d" &1oCOUJ\t Wf:l npMt under ,.... f9JeOt1\flM. ld) -edvonctl etaoct;" moBn.-art\, IJdvmlCO ""lJ4lk SUl!J)fied bv U8 fer U"'. Wltl\ your IlCCGUnl. (0) -lM;IVaroco" maan. ~aw adwnce we INlke. \Indo. "tout *Ccour.t. (f\ .a'ns'Dn6i~ l\d'f6n\'-a",m1l61'\1o aNi atnCW1't oblOlnod 88 en tHhrDnco and OWmQ 10 Uf. .QI ~"e b.l.nco 01 yo..., tlCCOUnla nw81\8 811 outslandlng advance.. financo chzfrl1l:'s. .:hatgos for group credit file 'MUlaMt. le.tll ~""'I~.. foNi <li.~I~ a,,"~ '*'.'9" owing '&Cd", 'four acCOUM:. (ftl A1n8 fo.ajoefat." me.n. 1"0 'Ibel tlI~t"tft CClr'l'li'rnmJv d...cribed bvthll "dreo. of foal o.tatIJ ..auritV thown 81 _1M beQlnnlng 01 UtI. lI1P'eemol'lt. II) ",he tie,," ",e-anti the han On (fie foetAl.tat. boinoa iQhl'en If) \18 e. 'owr1ty for 1M- poym8nt of ornOVn" owing undo, thlli ag'aemont. u) "tho ",o'(U&giI" rneo"o'f1e document givlno U8 1ho 118n, and lie) "biDing cycle lYIe.ne .1iIltf!or II) lb8 penfJd thtn bo~n. on the it,., d." you cotJ obt~lIn eh edvence end end. 011 II- dll'fo .".olfiorJ bv.... lfOf eQl'nJllle. ttle 2Slhlln tho l;lolond., "'t>nlh contat",n, tbel d.... tit in the nt'ln oet",ndar mcmth Of 11>> 8ftV SUbflquob't pl:Inod tbllt tn!lglM Ofl. 1ho d&l/ .ffilt ,hat epoClrh,d 4ate "' anv ~o'.!'Idl'l( I'I'Wnttl and end. on that .pe(llftod dllt. In ftwl "eX'! calender rno1nfh, A tiftlllnco CMfge. 18 a cher". 'or the U~otfl1.1\. 1 2.,tlr.. ptriod. 1M dt4w ~104 tar yow ~ II tilt- ~iod tfurtno wNeb ...........~ IN>.OIl,...IOd''''....~Wy 10~"'" .~1thit..wSNlrilldw...I.)12Q...C~ffthe..", ' . ..... on 1M day Ii. tho ..... oft whkllt .. bitkiiJ ciy.cM WO&lId hlnt.t yo..- ~faMftGpaftOR ..... oi Uti ,t1lt1Ung ""YdH ff 1h&t" ftot 1fM ..... .. ~ .. , mUBaUk. N.A.'-' HOME EQUITY ur M~ iCIlEI ......th.. 3..c.faWnaaM~~. St.bte~l to t~ pro\AGIOI\II o.f 1l1i1ieQfQltrnent. you C":':-oii'tllun en advance- bV .Ignl"; and Ufllng It... .(ldvano. che.ck h you wcM6 '"' Or4I"1lfY ~c1t. and M W;U ma1co t1'l'b acNfmco m thO' arnWht of tho adyO,," c:f\'$Ck b,,~ tho cdvenoe et\edt. v.... trlI....'of wrtt.r dMi "'nn dMtcllfat.... ,,*,'''00. Ai.., ftlblecl to the prO"ieton. of thlli IJG~.nt.- W4 ctIIh. but we wil'I not haw 10. maklllJl'lllXMlnM bv paylfl9 llhy doemo cem. i$\ COIIMOtton Wllh lNII.greflrnflM lh.e' we cilln tegaUv tillqulre you '0 pay end thot you dO' not P~b.'ote Wo rn.eke lho advance. &It wo wm no1 mako ~ny lIdva1\ce A~ \ e-nd ot ''1'1+ cSl'" ~Ol$ ~Of ~I nl:;ccmfl.\. 4. Obfiptiop to milk. .~ by pajinw ~W1__ checb. W. will be obnI1Hed 11' I'I\IIMe e.1\ lMSv&r\Cle bv "'I'f\11 "nv edvaf\Ce ~<< pt'lleented 10 u<< for payP'lillnl 1ft lIme tor 1h$ advenc& 10 be posted to yOur /lCcovt'lt in thO' (ll'dll\tlV oour.e of OUt butlne" not letlilr titan tho lSnd of the dlaw pedod tot ~f 6OO0Uftt U-hI.. t.1 at ~ tltM .". d"ldlJ ~thl!lf to C)bv lhe odwMe CI'wrR ~ o~aMJI'l" ~no.. ~o:'HI. or "ttIJt'"~ t'm advetlGlI' wotl14 c.euse .. outf.lelldll'lll Mv.noello' ol(geed. Ihe credit 14Mi1_ for you, acc:aUf\t, you are pt4t\1btted f,om obtoinlftQ .sdiw.rMf ed\t4t\oec In. .c:(::or<tanco W1fb Section 22: 01' 24 0' we oft Coad laft'" blJl'liIMI' IIult 1~lI!ro 18 .ny dlspU1.e COIlO~11Il 'lour ecccnn! lIft-Hot'e" !fCnr .net $I'IYOfle Ra '" whoso ~ yo\ft oCCoqnt 'I open. tMI 'the alhene." ~ d. not proPerty c:.emp16led, IiQtled Of endoned Qr Ie ifCUgh1 to be v.od fOl . PUfJ)O.. Ph'htDr'led b'llhe ~onct sentence of Sacfion 300 '" tl't8t "hY ~.nCle chec\t hae b.en lolllt CPt .t(l\en Ctl ffn tlee" ..., nMrt bfI ~1 tQ eny IlhOUttr-onlfd II.... (hJ the edwtftClfl ohf;ck I. wit'll..... fer ...ll: lh4n 4100. ,. doted tr'IOtO Ihlln 6 manths wrore 11M dete It ;c ptcllitlnted 10 tnl for payment Ot.. 4~ .ltof111. dalft ~ la pt.."n1ftd to US IOf Pl!YfMM. '0\ we aUt. e<<cuced ff"Qm CkltflftO tM odv-ltftCilo Ched. by It.ct fit... perolQ~h of SeCtion 3' IK (dJ eppfi~o Uiw I",""", I>>'ohll:nt u. f'(1ftI melung tho edYanoo "', e1low yOQ to ~ the edvatlClJ. H we -rn....e IH'IV eOvCl1'lCIJ thln w.J M& MI ~M<<; 1C> tn... " woP b. C'twftad by 1m. oCl,eeme,,'. I!IIId \IVIJ wm nol Iul h~ if, M e IeIIUft 01 '"'*"'0 .r, W9 do not ,"lIltl! IIt1M'll! oCh"r """"!\lie. s. ~ on GUWiWndlM ~, You mua' I'ct -'low ",I..ouhIlartdtflO ~to uo:.,.dd.. e,Miil .....,;11c>>- \tour ",count. lIII'hll1'h on ttle dllft' of 1l!r,. ~1.~l~lI'Ilhlil"'QS~ufttot(l~f~'"If'h$vd<t"..,.~ _..I~t-="~1t\l1t4: '''''011(:0'" I .."''I!lDlMl........~. fhe~filtf(lel'lt4lJltr""e for ~I eccOWf( 100.ef'lY WIft, eVC'" will b<lI tM toY1. fO".If1ded to r.flo ....,..' 1 '4% tot, If It"'" tqlel It Oh .ql.I.dI"o""...Gf"lI.... ftftlf1loWoO' \.4' "'"" ttdMK't nGbfilr 114%.. rouMOtI ~ tM ~ ~ \14'%). 1)( tel P'<lli tfW"-" .tlO"'" .. die HGef\fIInQ. of fI" ...-.'" ...a Ib' lb. hJoM'llt ,"Ie tde'>>bl'ted .. Iftt. ~ rate by Thff W"" S"..,.JttwNI '"' .... tolbf. .,,~doct .t.tofIltV R.t.... t"- thtl ~~. TM- ~_ot wwII bit ftl..1 dft\"1M W.tlI::"..,.Joui,wj..",,_~irtttlf:' ,.~-=rfttflpffICMCII~lhltc..re""_:ft!#' ,..",twt;hthlrbiltl~ctd\t~ "~mat.. lfth.~~vd. ..\heM! bo!\t>'Q~W':dIWK~be9"OC\ "', - CCOl.l~ AGIlEEMENT .,,,.acbtlDn \ " Dale: FebhNIIV 27, 1996 t , ~; PERCeNTAGE , , ~ RATe 8.~% Inl16ev ~t)lllr Ih. dDla 0" which II blltlnO;:;18 would: have ondecl hlld your .~Unf b!lel1 qpell. on Ihsl dtml, tM..p 'ceOl_ detll WIll be the 1...( d$1l The Wolf $1""" JtJunr(l/ I. VUf;lIl"led In t cale-lId.,. rtIOnth prillCcdrngo tho CalM\dlll rntll'i1h 11'1 wh(:h ,bll 'o1\Img- cydo wouW I'ltrYlt boOUn had yOU' ftGClMln( botln open on that det$. aul1M ..nnuel peICil",tOQ__r.1e will not _~c:qo-d the ITlaJtftflum rale jlhown er 1"- "Gfnmno 01 thic eOftttlrt'illnt, /lon .nnutll po,,:en'.g. 1810 14 a cOllt 01 ~l eJq)''''ocS aa en annuel 'a1'&. Tho pnme fate C.ll be decr.:rlbed''Qen&l.ellv tle"'hllt boo ,et. )1'\ COl'POfllfO IOllne 8,la,qf,! Unlled SllUIl' mcrnll'l CO"'tflf con\Y\'\OrCleI beflkr. 1. ,o.lr ~1OdJc r.... The r.l0l1l'f pel'fodlc re[., 10' \,-'Our &CCOiJfll tOil Ony l>>1llnQ CV"oI WIll b,e., , '/'fIod Ie 1 doclm" pJtlGO$ W'llhout fO\lndlRQ. ,I Ih8 bilfirlQ o.ycIil1' endeln. 'on.le.rp ~ar, t1165. Of. If Uletlllttf\g" cycIo~~ In n 1081' vear. 11366, or "'I" antlttoJ pe,c.onhlge me lot Wvf 8'~nt lOllhe tldhno cycle. A pe.t1odt une 18 III pefc0nt8Db epplied to cCtmp'ute e dlorg" on .n 6mount for III 4l~llod (If Ifme'. ..-............--.........-.......- mlmI..,HtiII.,.,.., ~,..-,...".... ,~...._,' ..." ,"'_,,' ,...., ',_ ,4It4l_yow~t...boiv"a1tfW~of,...~ ThoM ~,......on......unw_tMt'...':=...,~.. thJ---,...h.-~W..~,~"".-aI,IiI...'- "~':":""M- ........m.........h...-.....V..._....;;;;~;;.;. ~.-...~'*"'-"'"...~....:\1'-_,., .H~e.. --- ,~............"'.. ,,' ,..., - for row-,._ce:tMlL ,~MfC*l" ,....,..:_...'.", " ,....... YOU{ :~'C:b'Qutl! CIft ~ (t fwt. ":"-0.' _~ lit -, ,'NtIbItt ,. lNMWJtd.e _prfnMntebr ....ItItM~fn.f1f'_....~ ......, "-'-0"' But 'iM .~. '., ' ,1'''. ,.... not It.lJCUd ... muiiitwu,"''';hIawnattM _ . -"",' , '~Anv~ilI ............44...'..U ~ -Wr _ -. . <ti14l-WI!~..1tlfrjclan'" fnt MY .1.'IIIIIftg~""'W1l1rttriMe8U'loOntaotftritn1'l'tWntum =~'~k~.n::'~:--' pttUUQI..,...... nottotlecl S. ~_do.. at finanw chariJ88:fw NIJno~. F"_-.... ...."Ulbit.......ClflI41tly~U~".....,k..pottM *' -~""..,.._~ " '-"'-,-'" _.., 11fl1'l'cvchl" '!M'do" ,.-.:,1"," .,.vnr, ,~o4lf'1oU, "t..~ I_k>>,.... etffl.illHfOf'eaoh., -r"'nthl-_tiJQrio~.,.~:......-~, -of~ tlCCCMlta1:...~o,~qy'.."O'lL~~;~~. tW:..::==.:.?:-~==t'e':::~~t"r.=~ ~~. _ ~~"~~~~~ilJchIIcIt ::::::..=u..r.'...-.m:__.....= ~~~..:."tlttL.JC~~r~~.=v: .. .. p lit the bIDng C4tCM. 'l>. "-...... ...........-............. __..... ~,iflJq,whJch tM ~ Of"'""'eccOunt_~,_f'!i!I,.IW'" itndClf,fhll.&vtl*"kld,fOl\fOU:llCCIOUl'It.:n.,r~~"!IItbe... irIlhfW1lt"'loiS~QnM-...kIrti~,',.1-~~:_~'f 15Vf*IIIIM ",mOmtl. TMlengdtof..~tMriad.'rhpendOb "oIiMlfIlltOf"'~ad~ .tthti...... ~-"'''t'''cyCk .....~'*kl4. -'~ t1.P_ayJIlllM" "fOUnhiltpe,.. _Wlinceot yow ecount. Yl\lUcan~v h""".'___'__." _............._ ---iMtaIIMltlCI,-'I'ou noc",t PIIV If ",-UNted 'S.",.ir fuO'llSI' 8, liM.m d.Ctlllhown,"~"~ fix f'ld"fIQCC,lII\t~"" cllH1hII "ClM'Mtdurt....v ort..~. \'OCl:.....-r .......... ~~~Wvour~~M,_~'~.. k cehI 1M "'toW IIIY"1'tltftt.... .. ,IN~. ~'..... CNIVIIJIM '. " .,. toW -of .., Iha ~ ""'*" fill .... IIlIlIWMala ..'lfllllMIthc:lwft.Oft__..~t.~jfa......__-....."... iNi>...........~ Ofl......~. n.....~'....., .- ......... .,... "**,*"....... _dint fhjf':?l-Jflit...... .,_.......;""...., ~ $IU'll\W'ed by ...,,~ 'wi; trio ~-,.......... ~__..~__IcI-'t......'"_IillIiI:iofi...: 1 - ...,..., '"... 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IG::!ll "'-= o~8 z 0 '" 0.0. ... ~ - E-i e Jl !!o oil _= , ;S '" >'"3 ~ 5 E ~ ., 5 0 '" -< 15 ~ 1ll '~-~--'.- """- C'_"'. - --L~ 0<'" '" fo<"'O< 0 5 otE ...1 stE"' 2'; fo<fo< ffi -<:fo<@ ~oo" 6 gJft .."'", :g~:1 ~I -<: 00 '" :Ii f!5>- 0< iil 0 o u u -<:-<: ~ Zfo<>- 0. 0 00. g,~~ gju '" ~~ 5 ~82'; 00 ~ ~ ",0 "' :;;5 0 zo", 0", ~ ~ OO~ ...10 ~ gjr:: u-<: >- fo<~ U ~~r:: gjO >- t i::r:: -<: ~~~ 012 ~ 0'" ~ "0 ; >-2'; n~ >-:;; ~ 0::0 ~gj 02'; ~ '" tS~ 2';fo< ~ fo<@ gj,..; fo<o< '" ...1"' ~ >-"' fo<Sfo< ~o ~ ~...1 >- ~;;:gj fu~ '" 00< ~ ~ fil :;;"' 0"'0 ~~ ~~ >- gao:;; .. '" O~fo< "0 "' ~ !;;~ 0 fo< ...1 Ofo< '" gj "'~o ~r:: ~ III 0:;; gj ;;: ~~ 00 0 "'u"' 0 U fo<o< fo< 000 ",fo< 0 ~ >-.. "" ~~f'3 ~~ ~ ~~ ~ 5 0<..0 z;' r:: 0-.>- 0-<: o , ~~ "' z"" u 0 :;;O~ ~~ ~~ "' '" fo< "';. ~ ~~u ~ :Ii 0 120 ffi::J ::;~ "' ",uO ~ ~ ;>ufo< fJl~ g]gj ~o . tiio!iJ"'" 0Clp:l.~ o~o~ ~-<: -<:fo< ~~~ 0 ~~ 0>- ~ fo< fo< ~,. fo<'" , , .,.,',,"'- ....-,,,. n l<" NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT. (the Act) 15 D.S.C. SECTION 1601 AS AMENDED 1. This law firm may be deemed a "debt collector" under the Fair Debt Collection Practices Act. Any and all information obtained during the prosecution of this lawsuit may be used for the purpose of collecting the debt. 2. The amount of the debt is stated in paragraph 9 of the Complaint. 3. The Plaintiff as named in the Complaint is the creditor to whom the debt is owed, or is servicing agent for the creditor to whom the debt is owed. The undersigned attorney represents the interests of the Plaintiff. 4. The debt described in the Complaint, evidenced by the copy of the mortgage note attached hereto, will be assumed to be valid by the creditor's law firm unless the debtor, within thirty (30) days after the receipt of this notice, disputes in writing the validity of the debt or some portion thereof. 5. If the debtor notifies the creditor's law firm in writing within thirty (30) days of the receipt of this notice that the debt or any portion thereof is disputed, the creditor's law firm will obtain a verification of the debt and a copy of the verification will be mailed to the debtor by the creditor's law firm. 6. If the creditor named as Plaintiffin the Complaint is not the original creditor, and if the debtor makes a written request to the creditor~s law firm within the thirty (30) days from the receipt of this notice, the name and address of the original creditor will be mailed to the debtor by the creditor's law firm. 7. Written requests should be addressed to Spear & Hoffman, P.A., 1020 North Kings Highway, Suite 210, Cherry Hill, NJ 08034. '~;,;.;l...."""'~~""""""Hi!!!!!~~~~~I1t\iifflt-",-j'1;;"""g,&t\illillll1l'_" ~>"'~""';;; 0", L ~ ft~ ...a Ii' ~ lI'l ~~ t ~ ~ h~ ao~ I 9 0 ~b $~ -' ..<1 , f o C') (') ;: C,) ",'l f:.:; ~ff i~::; ~;,: \ ,0 --.c~, ~., ,cf;'\ "0 '(~(!j ~"-" ,..." ;'-,'" =--=1 c:-" <:'" ~~;-:; ..l - (~'::: z :;:J ('>' 5:J , - -< , '-'~, . -; " " ,_ c~:~-,,,:'_ C~__7_<_-O";' ,,,*-'"'i-- ;:;:}_::., ',,;(:,' ~~'L,;;;,;;g;iJ(~L::*~~~~,i:~^': -', >' " "',<',-;.'- SPEAR & HOFFMAN, PA BY: RICHARD M. NELSON, ESQUIRE ATTORNEY LD. NO. 72869 1020 N.KINGS IDGHWAY, SUITE 210 CHERRY IDLL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF M&TBANK PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO. 00-3758 SAE YOUL CAHNG A/KJ A HARRY CAHNG AND HEE JA CAHNG A/KJA LENA J, CAHNG DEFENDANTS AFFIDAVIT PURSUANT TO RULE 3129,1 M&T BANK, Plaintiff in the above action, by its attorney, Richard M, Nelson, ESQUIRE sets forth, as of the date the Praecipe for the Writ of Execution was filed, the following information concerning the real property located at 3 PATTON RD MECHANICSBURG, PA 17055: 1. Name and address ofOwner(s) or Reputed Owner(s): SAE YOUL CAHNG A/KJ A HARRY CAHNG AND HEE JA CAHNG A/KJA LENA J, CAHNG 3 PATTONRD MECHANICSBURG, P A 17055 2, Name and address ofDefendant(s) in the judgment: SAE YOUL CAHNG A/KJA HARRY CAHNG AND HEE JA CAHNG A/KJA LENA J, CAHNG 3 PATTONRD MECHANICSBURG, P A 17055 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: NONE 4, Name and address of the last recorded holder of every mortgage of record: M&TBANK 1100 WEHRLE DR., 2ND FLOOR WILLIAMSVILLE, NY 14221 PNC BANK. NA 2730 LIBERTY A VB, PITTSBURGH, PA 15222 PROVIDIAN NATIONAL BANK 295 MAIN ST, TILTON, NH 03276 'E' ;;,-.~ -: "< - , -,.""," ,,--.,' ~" '-, d " ,- ", -.',;0,<,"; ~;:>_ ,,--, '~_', - ,.C_'>_,"_'___"_,' :~~_~-' '';'; ,;-"-~;".,,,-~;__:, Ti~:0g\i<[~;~~,\'~"':;:>" _<____}~::i - " 5, Name and address of every other person who has any record lien on the property: NONE 6, Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: MECHANICSBURG BOROUGH BARRY L. HECKARD TAX COLLECTOR 605 SOMERSET DR. MECHANICSBURG, P A 17055 DOMESTIC RELATIONS P,O, BOX 320 13 N. HANOVER ST. CARLISLE, PA 17013 COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE - LIEN BUREAU OF COMPLIANCE DEPT. 280946 HARRISBURG, P A 17128-0946 ATTENTION: SUE BLOUGH TAX CLAIM BUREAU 1 COURTHOUSE SQUARE CARLISLE, P A 17013 CAROLYN MCQUILLEN TAX COLLECTOR 1044 PINE ROAD CARLISLE, PA 17013 CHARLES E. PETRIE, ESQ. 3528 BRISBAN ST. HARRISBURG, P A 17111 7, Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT(S)/OCCUP ANT(S) 3 PATTONRD MECHANICSBURG, PA 17055 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa,C,S, ~4904 relating to unsworn falsification to authorities, SPEAR & HOFFMAN, PA ~. NELSON, ESQUIRE ATTORNEY FOR PLAINTIFF 'i~~;':_~';,-,,_~,-,:,~~,,: ~,~<~'''; , ~. :';,," -"e,,-c,;:,i-..'--'-- "'''''''''<fu'''ss'''..M..,""',,,c..,' ""~"""",,,"..,, ".. ~ ,-"',',, "->,;---", - , (') r" "".." ~ C.--=I :./) "'T) r;"' ,-'~l ~T; ['", ~~u Z I zt en )"--- (,;: -.) -< ~:;, r:' ~-:~~I <: ~, ? )> ,...., ~~~ "'! C) ~ 7:" :::> .. .j" ::<l ~ Iv -, "j'~"~" .'" ",_"__,,"". . ->i.'- <"_ ;';;"r.'_ c"," . " ,\"_ ""'~""" -. -,? <;:;2.L;X:;;AJ,,":-,;i~i;;; -'~ ->J}~/.~<- '. -" ~ " IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY. PENNSYL VANIA CIVIL DIVISION PRAECIPE FOR WRIT OF EXECUTION M&TBANK () Confessed Judgment () Other vs, File No, 00-3758 Amount Due $71.300,96 .; SAE YOUL CAHNG AlK/A HARRY CAHNG AND HEE JA CAHNG AlK/A LENA J, CAHNG Interest Atty's Comm Costs TO THE PROTHONOTARY OF TIIE SAID COURT: The undersigned hereby certifies that the below does not arise out of a retail installment sale, contract, or account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended, Issue writ of execution in the above matter to the Sheriff of CUMBERLAND debt, interest and costs upon the following described property of the defendant( s) County, for 3 PATTON RD.. MECHANICSBURG. P A 17055 PRAECIPE FOR ATTACHMENT EXECUTION Issue writ of attachment to the Sheriff of CUMBERLAND County, for debt, interest and costs, as above, directing attachment against the above~named gamishee(s) for the following property (if real estate, supply six copies of the description; supply four copies oflengthy personalty list) and all other property of the defendant( s) in the possession, custody or control of the said gamishee( s). (Indicate) Index this writ against the gamishee( s) as a lis pendens against real estate of the defendant( s) described in the attached exhibit. DATE: August 24. 2000 SignatuJE.~ Print Name: Richard M. Nelson. Esquire Address: 1020 N. KingS Highwav. Suite 210 Cherrv Hill. N,J, 08034 Attorney for: M&T BANK Wi;:<:..iJ::"',:'d <"ii~ ,1 ~:i<i;'-' . 'i,:'""""i"'~; ,.'.<j ,; ~,~;, ~ ...'...... ~j;;;,'c..;......',.."\"""~&.,"..........v......'........'....,..w..x"......""'"..;,.. ......,....,c;..'.."..,.. ,..' ~..'_..,_...".._".......--,"'_.. :t o c :?: -oC',:' In;\, z: -Fr'- -'--'-- ~< ~C; ):-:::""." :Zb >c:: Z -I -<. ~~"? -.. :/l '''-1 -0 I , \ -, (J~ ,~ ~-;:..~ .:,..) :~c;~rr ~ '::J r0 / '2 ,'~ r:'c',""""""""~" '. -,.';' ';.,",,'" -~--'. -'- , -_':-o;.::;;j,;,',. _ _.~ ,;-~::..:,- .',-- ," ;',;;~-~o--~ -";:-;~;~_,t~i:-'~.:),-__ ,-.;,,"l;",il;;-'-'~"'. ","::'-,<",:; ','. ;~"" ", _, ";-: .c ALL that certain piece or parcel of land, situate in Mechanicsburg Borough, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit; BEGINNING at a point on the Northern side of Patton Drive which point is also the dividing line of Lots No, 19 and 20, Block C, on the hereinafter mentioned Plan of Lots; thence along said dividing line North 10 degrees 23 minutes West 1 14.3 8 feet to a point on the lands now or formerly of Cumberland Wilson Estates, Inc,; thence along said land North 79 degrees 42 minutes 30 seconds East 65.08 feet at the dividing line of Lots No, 18 and 19 on the hereinafter mentioned Plan of Lots; thence along said dividing line South 10 degrees 23 minutes East 114.28 feet to a point on the Northern side of Patton Road; thence along the Northern side of Patton Road South 79 degrees 37 minutes West 65.0 feet to a point and place of BEGINNING, BEING lot No. 19, Block C, on the Final Plan ofPart of Blocks A, C, D, E, F, G, and H Wynnewood Park as recorded in the Cumberland County Recorder's Office in Plan Book 30, Page 116. UNDER AND SUBJECT to a 25 foot building set back line. BEING THE SAME PREMISES WHICH W.D.C., Inc" A Pennsylvania Corporation by Deed dated 6/26178 and recorded 7/3178 in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania in Deed Book W 27, Page 920, granted and conveyed unto Sae Y oul Cahng and Hee Ja Cahng, His Wife. PROPERTYID# 18-21-0287-021 ~ii''''''''",,,,,,,''''''''''' "- -, -'--'d,{ , ,,~' , ,"",c,,~" "":,,,",,,~,,,,,,,,"","'"'''''''' ." . _ . ...._"1. ....;;""""''''''''',,4''...'''''"','';;'',,',.,," """,'.,,, ',"'"",," '" ""'~"~""'''''''':) ~~ - ?:: FD \}.-. cJ c:, 9l ........ ~-(~~~~ cl' G"' -~ CJ".I ~ ~ b ~ <6 ~ 0 '::~I C c " ~/") -0 ~_.. 0-'1 1"1'1 C. ~:J Z ~) Z , (/) (, Co< ,'n y C) -co ~-~ C , 2:: C' " )> c.) , ' c: ~ ;;:- :::> -J ""'- t'"" -< '" ""'" '~ Ii '" C\ . \~ " "','''0"__,"_0 '" / ,- --, ~ ',,,--;-- >.,:,,; ~;;C';k;-t,'>:>", - -- '-T - k "" _ -" ;'_ ",_t,/:< ~ .- ,'d'" ">----" :~,;; -,:~;,,;-':i;;~;--sij,,,! :--,p~,,:,,:~: " ",;;;'\i;;j <, SPEAR & HOFFMAN, PA BY: RICHARD M, NELSON, ESQUIRE ATTORNEY LD, NO. 72869 1020 N, KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF LOAN# 700184 M&TBANK 1100 WEHRLE DR., 2ND FLOOR WILLIAMSVILLE, NY 14221 PLAINTIFF, vs, SAE YOUL CAHNG AlKJA HARRY CAHNG AND HEE JA CAHNG AlKJA LENA J. CAHNG 3 PATTONRD MECHANICSBURG, P A 17055 DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET 00-3758 PRAECIPE FOR JlJDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROlHONOTARY: Enter Judgment IN REM in the amount of$71,300.96 in favor of the Plaintiff and against the defendant(s), jointly and severally, for failure to file an answer to Plaintiff's Complaint in Mortgage Foreclosure within 20 days from service thereof and assess Plaintiff's damages as follows and calculated as stated in the Complaint: Principal of mortgage debt due and unpaid Interest at 8.50% from SEPTEMBER 3,1999 to SEPTEMBER I, 2000 (364 days @ $13,93 per diem) Accrued Late Charges Recoverable Advances Attorneys Fees TOTAL AMOUNT DUE c-~ Richard M. Nelson, ESQUIRE Attorney for Plaintiff $62,561.11 $5,070,52 $49.33 $20,00 $3,600.00 $71,300,96 AND NOW, judgment is entered in favor of the Plaintiff and against the Defendant(s) and damages are assessed as above in the sum of$71,300,96 'UUL o PRo4 ;( o((j_~ ~,~, ~""i' -"', ~-hc'J;.' .'<: -,,-..&--;,c':;i" "-"'illili. -,~ >'2... "-^~-~--"~, - ," '.. "",..",,,","'"'''' ~..=" ,d,,""''''H'" '''''''''''''''"'''''''*..'''' .11 ... ,,_. . """,,,',,,',i,,"""""""""',,,,,,, ""~,,.,,' """''''''''~''1 , '. 0 '::::I' c: C) ~'~. (n ~<-, i-rJ .........'; rnn-: <J Z::l, Z!" , ~;;~ c'": yC~ -ct :>c ~.~-~ z,.' Ye:: '-;y :~ Z ,:;:> ~ ::< -< <?d,<<N n_. ~ j'm~ I. -.-;,,- '.'-"",' !-'I I .' Spear & Hoffman, P.A. BY: RICHARD M. NELSON, ESQUIRE Attorney J.D. No. 72869 1020 North Kings Highway. Suite 210 Cherry Hill, New Jersey 08034 (856) 755-1560, Attorney for Plaintiff, Loan No. : 700184 M&TBANK PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO. 00-3758-CIVIL SAE YOUL CAHNG A/KJA HARRY CAHNG AND HEE JA CAHNG A/K/A LENA J, CAHNG DEFENDANTS CERTIFICATION OF MAILING NOTICE PURSUANT TO RULE 237.1 The undersigned hereby certifies that a Written Notice ofIntention to file a Praecipe for the Entry of Default Judgment was mailed to Defendant(s) and to his, her or their attorney of record, if any, after the default occurred and at least ten (10) days prior to the date of the filing of the Praecipe for the Entry of Judgment. A true and correct copy of each Notice is attached hereto, sent as stated, SPEAR & HOFFMAN, P.A. Dated: 7-;1.$-00 BY: RIC~: NELSON, ESQUlIlli Attorney for Plaintiff -,~._.~ ~ ~ -- ' -)j .' Spear & Hoffman, P.A. BY: RICHARD M, NELSON, ESQUIRE Attorney 1.D. No. 72869 1020 North Kings Highway, Suite 210 Cherry Bill, New Jersey 08034 (856) 75S-1560, Attorney for Plaintiff, Loan No, : 700184 M&TBANK COURT OF COMMON PLEAS CUMBERLAND COUNTY PLAINTIFF, vs. DOCKET NO. 00-3758-CIVIL SAE YOUL CAHNG A/KIA HARRY CAHNG AND BEE JA CAHNG A!KJA LENA J, CAHNG DEFENDANT(S) NOTICE To: BEE JA CAHNG A!KJA LENA J. CAHNG 3 PATTON RD MECHANICSBURG, PA 17055 Date of Notice: 7';1.~ -00 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET HELP: Cumberland County Bar Association 2 Liberty Avenue Carlisle, P A 171 03 (717) 249-3166 , i '!d? ~"'. 'i A'~'/) J::k:,f:~ ;fl:Z:/ .",.,) ! Richard M. Nelson, Esquire Attorney for Plaintiff TIDS LAW FIRM MAY BE DEEMED A "DEBT COLLECTOR" UNDER THE FAffi DEBT COLLECTION PRACTICES ACT. ANY AND ALL INFORMATION OBTAINED DURING THE PROSECUTION OF TIDS LAWSUIT MAY BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. . _'" -tJ., -, ,:."" ~, >,,- , , ,. Spear & Hoffman, P,A, BY: RICHARD M. NELSON, ESQUIRE Attorney LD. No, 72869 1020 North Kings Highway, Suite 210 Cherry Hill, New Jersey 08034 (856) 755-1560, Attorney for Plaintiff, Loan No. : 700184 M&TBANK PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO. 00-3758-CIVIL SAE YOUL CAHNG AIKI A HARRY CAHNG AND HEE JA CAHNG AIKIA LENA I, CAHNG DEFENDANT(S) NOTICE To: SAE YOUL CAHNG NK/A HARRY CAHNG 3 PATTON RD MECHANICSBURG, PA 17055 7.~5 -t]O Date of Notice: IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS, YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE, IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET HELP: Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17103 (717) 249-3166 <T--?& ~~') ~/- t,,"'/s->4,:r;/Y2 /, .....:-,:~ ~ " '(~''{:'''''=''~' '" ,,," &." ~"'iO -1.",<", ~,,.. "---=---- ~"', Richard M. Nelson, Esquire Attorney for Plaintiff THIS LAW FIRM MAY BE DEEMED A "DEBT COLLECTOR" UNDER THE FAIR DEBT COLLECTION PRACTICES ACT. ANY AND ALL INFORMATION OBTAINED DURING THE PROSECUTION OF TillS LAWSUIT MAY BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. '~ _ ,,' - _ ~_ , -,-~.'" ,.> ,;'----' "c '~ - - --~_c__ _ _j-"'" _ "~'" '.;,,;c.. ;.', '.-'~,,,,.,,,,',_.c--, : .'1 SPEAR & HOFFMAN, P.A, BY: RICHARD M, NELSON, ESQUIRE ATTORNEY LD. NO. 72869 1020 N, KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF M&TBANK PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs, DOCKET NO, 00-3758 SAE YOUL CAHNG AlKJA HARRY CAHNG AND HEE JA CAHNG AlKJA LENA J. CAHNG DEFENDANT(S) AFFIDAVIT OF NON-MILITARY SERVICE RICHARD M. NELSON, ESQUIRE, being duly sworn according to law, deposes and says that he is attorney for Plaintiff in the above-captioned matter, that he makes this Affidavit on Plaintiff's behalf, and that the statements in this Affidavit are true to the best of his knowledge, information and belief. Defendant, SAE YOUL CAHNG AlKJA HARRY CAHNG AND HEE JA CAHNG AlKJA LENA J. CAHNG, is over 21 years of age, His last employment is unknown. Defendant is not in the military service of the United States as contemplated by the Soldiers' and Sailors' Civil Relief Act, as amended, This Affidavit is made in connection with the judgment upon a note and mortgage secured upon the premises located at 3 PATTON RD MECHANICSBURG, PA 17055, BY: -~ RICHARD M, NELSON, ESQUIRE SWORN TO AND SUBSCRIBED BEFORE ME TIllS ~1fM DAY OF Augllsr ,2000. A42Aft.-.-C . uJ~ August 24, 2000 Sharon E. Woodard A Notary Public of New Jersey My Commission Expires 3/29/2005 ". ".~, -- ~ ~",,,-',, - ." --,--"..." " ".. . _,--~. - ,--- - ,-", ~, ~'~'"''';'b,:;; -'-" SPEAR & HOFFMAN, P.A. BY: RICHARD M. NELSON, ESQUlRE ATTORNEY LD, NO, 72869 1020 N, KINGS fiGHW A Y, SUITE 210 CHERRY fiLL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF M&TBANK PLAINTIFF, COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY vs, SAE YOUL CAHNG AlKJA HARRY CAHNG AND HEE JA CAHNG AlKJA LENA J, CAHNG DEFENDANT(S) NO. 00-3758 CERTIFICATION OF ADDRESS I hereby certify that the correct address of the judgment creditor (Plaintiff) is: M&TBANK 1100 WEHRLE DR., 2ND FLOOR WILLIAMSVILLE, NY 14221 and that the last known address(es) of the judgment debtor (Defendant (s)) is (are): SAE YOUL CAHNG AlKJA HARRY CAHNG AND HEE JA CAHNG AlKJA LENA J. CAHNG 3 PATTONRD MECHANICSBURG, P A 17055 BY: - " '~-"'_ _". "-,,, --.1-'-;;:' -,..~," ~ ' . '..r.,', - -"-"<.:-,"- .'----'. -'''-~, _OJ:;;''_ -_~_'-r,;'-' ic;,;',;.;~-:;-;"t;'_" ~^~_-~ \i SPEAR & HOFFMAN, P.A. BY: RICHARD M. NELSON, ESQUIRE ATTORNEY LD, NO, 72869 1020 N. KINGS IDGHW A Y, SillTE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF M&TBANK PLAINTIFF, COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY vs. SAE YOUL CAHNG NKJA HARRY CAHNG AND HEE JA CAHNG NKJA LENA J, CAHNG DEFENDANT(S) NO, 00-3758 CERTIFICATE OF SERVICE We, Spear and Hoffman, P.A., Attorney for the Plaintiff, hereby certify that we have served by first class mail, postage prepaid, true and correct copies of the attached papers upon the following person(s) or their attomey of record: SAE YOUL CAHNG NKJA HARRY CAHNG AND HEE JA CAHNG NKJA LENA 1. CAHNG 3 PATTONRD MECHANICSBURG, PA 17055 CHARLES E. PETRIE, ESQ. 3528 BRISBAN ST. HARRISBURG, P A 17111 Datemailed:~Oo SPEAR & HOFFMAN, P.A, BY: U ~ RICHARD M. NELSON, ESQUIRE --ill uNo'", -.,-~",",,- - -'.- ,- - -~, ~,~~~ "- __"'__k '-,' :...k;),-:",~~~ ~:,,::- :.,=,-_,,;- -- OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS CUMBERLAND COUNTY LAWRENCE E, WELKER Prothonotary TO: SAE YOUL CAHNG NK/ A HARRY CAHNG 3PATIONRD MECHANICSBURG, P A 17055 M&TBANK PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO, 00-3758 SAE YOUL CAHNG NK/A HARRY CAHNG AND HEE JA CAHNG NK/A LENA J, CAHNG DEFENDANTS NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below: )( Judgment by Default o Money Judgment o Judgment for Possession o Judgment on Award of Arbitration o Judgment on Verdict o Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATIORNEY Richard M, Nelson. ESOUIRE at this telephone number: (856) 755-1560 " ,:'L- ,~ ,-;'-:;",'~-.Y u'~_~",,__~_,",' "_0" "', , , ~ ~,.-, -,- ~-'--""'-'~;-'-{.~>).~ "'I . . , OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS CUMBERLAND COUNTY LAWRENCE E, WELKER Prothonotary TO: HEE JA CAHNG NKJ A LENA 1. CAHNG 3PATTONRD MECHANICSBURG, PA 17055 M&TBANK PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs, DOCKET NO. 00-3758 SAE YOUL CAHNG NKJA HARRY CAHNG AND HEE JA CAHNG NKJA LENA J, CAHNG DEFENDANTS NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below: )( Judgment by Default D Money Judgment D Judgment for Possession D Judgment on Award of Arbitration D Judgment on Verdict D Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY Richard M. Nelson. ESOUIRE at this telephone number: (856) 755-1560 _, _,-,c;_ .c. ",~,"- --,0;. ~~-,~;", "_, '_ -c. -'-- ~_,_. " _ ~ -'. ;--_',^,~'., 0..,; --:"p" " . OFFICE OF TIIE PROTHONOTARY COURT OF COMMON PLEAS CUMBERLAND COUNTY LAWRENCE E. WELKER Prothonotary TO: CHARLES E. PETRIE, ESQ. ATIORNEY FOR HARRY J. AND LENA J. CAHNG 3528 BRISBAN ST. HARRISBURG, PA 17111 M&TBANK PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs, DOCKET NO. 00-3758 SAE YOUL CAHNG AlKJA HARRY CAHNG AND HEE JA CAHNG AlKJA LENA J. CAHNG DEFENDANTS NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below: )( Judgment by Default o Money Judgment o Judgment for Possession o Judgment on Award of Arbitration o Judgment on Verdict o Judgment on Court Findings IF YOU HA VB ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATIORNEY Richard M. Nelson. ESOUIRE at this telephone number: (856) 755-1560 ..;> ", ;-".", ''c'' ,~<;<"_'''-\',~.' ~~ ..~ '""- Ch ~ ~ 1: ~ ~~~~ - .. ~ ~ ~~ ....~ ~ ~' ................ ~, ~ ....... E;>'- -- ( ,'".."'..,-,.,, ?D ~' ~ ~ r ~ ' ~....... -1\ ~ ;r S~.'t.: --.--"j V-l.~'-: -< r' ~E~ :>>~ L_ Z ::2 c.~_',,,,-_ ., r' " C ;;'j.- :/) ,"" ~lJ . (., ~ ,~.) -;"1 -~~ 21.'1'-; ""-0,. 5'"] -< r..:? :::> ;"1 . IN 11IE UNITED STATES BANKRUPTCY COURT FOR THE MIDDLE DISTRICT OF PENNSYLVANIA INRE: Harry J Cahng and Lena J. Cahng It (J1J ~ 376f BKY CASE NO. 00-006681RJW M&T Bank CHAPTER NO.: 7 MOVANT, vs. -,----:"':"";;'" , ___~.--- r<,afn::.i.Jtjr.,:;l n \ _,\~. ' ",,,' 'I'J"'\ 11 US.C. SEerr F~:':':;J r:,:_<c~ l:~:: 8a'",,'upt1.8 " C\6r\(>>~~~2P.~:V c\eh" per~~ Harry J Cahng and Lena J. Cahng RESPONDENT(S)/DEBTOR(S) Markian R. Slobodian, Trustee RESPONDENTrTRUSTEE ORDER MODIFYING 9362 AUTOMATIC STAY AND NOW, this l:::,'i;r\/ day of '3'L\ rc., 2000, at the MIDDLE District of Pennsylvania, upon failure of the Debtor to file an answer within the time allowed, appear or otherwise respond to the Motion of the above-named Movant for Relief from the Automatic Stay, and for good cause shown, it is: ORDERED AND DECREED that the Automatic Stay of all proceedings, as provided under 9362 of the Bankruptcy Reform Act of 1978 (The Code) II, U.S.c. 9362 is modified to allow the above-named Movant, its successors or assigns to proceed with, or to resume proceedings in mortgage foreclosure, including, but n0HHnited to, Sheriff's or Marshal's Sale on Patton Road, Mechanicsburg, PA 17055; and to take action, by suit or otherwise as permitted by law, in its own name or the name of its assignee, to obtain possession of said premises, FURTHER, this order shall take effect immediately without regard to Bankruptcy Rule 400 I (a)( I). IN ~rtJ, W~a UNITED STATES BANKRUPTCY JUDGE cc: Richard M. Nelson, Esquire SPEAR & HOFFMAN, P.A. 1020 North Kings Highway, Suite 210 Chery Hill, NJ 08034 856-755-1560 Harry J Cahng and Lena 1. Cahng 3 Patton Road Mechanicsburg, P A 17055 Charles E, Petrie, Esquire 3528 Brisban St. Harrisburg, P A 1711l Markian R. Slobodian, Trustee 801 N. Second Street PO Box 11967 Harrisburg, P A 171 08-1967 Loan no, 700184 d';. " '''''' ~.lit~~~IiiOO~ii~~i!l~'8\Wzr"'== ^ -^ . ~ ." - ".- " ._0 ~'iiiliW~l"o ~ -" !llllIliill.U ., ~ """, () S uFo, IT'II::~;' Z"h Zi en .:> ~i.< -~ .1> ,., -':0>1.. ~(-.:: )>'---; ~ --I -< "'-'--, .....: '=oi,.. . C') o V) :'1 ,'J I C": u S:) :::> 23 5S ~~ '" '~ . ", ,'- ," .,-_'__;.'._ 0'-- ",,_ ," -", ':_;i _', - ""''''"~ ,~\:~:- "-~;;",_ ..;.c- ;. '-e - , ~-; J .... SPEAR & HOFFMAN, PA BY: RlCHARD M, NELSON, ESQUIRE ATTORNEY LD. NO, 72869 1020N, KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF M&TBANK PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs, DOCKET NO.00-3758 SAE YOUL CAHNG A/KJA HARRY CAHNG AND HEE JA CAHNG A/KJA LENA J. CAHNG DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: HEE JA CAHNG A/KJA LENA J. CAHNG 3 PATTONRD MECHANICSBURG, PA 17055 Your house (real estate) at: 3 PATTONRD MECHANICSBURG, PA 17055 is scheduled to be sold at Sheriffs Sale onDECEMBER 6, 2000at: CUMBERLAND COUNTY COURTHOUSE 2ND FLOOR, COMMISSIONERS HEARING ROOM I COURTHOUSE SQUARE CARLISLE, PA 17013-3387 at 10:00 a,m. to enforce the court judgment of $71 ,300,960btained by M&T BANK against you. NOTICE OF OWNER'S RlGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: I. The sale will be canceled if you pay to M&T BANK the amount of the judgment plus costs or the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call: (856) 755-1560. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered, You may also ask the Court to postpone the sale for good cause. 3, You may be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights, The sooner you contact one, the more chance you will have of stopping the sale, (See notice on page two on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RlGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. ~ " '" co '-. -, "" -", ' - - . -"'; ,W ,;: """<'<- , ',;0--,< _ .' ~~, _ ,',,,, <':;..J~,-,g~~\ -:,,'U>1;~~~'t;\:~;'; ,_,,", ~ ~' . I, If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (717)240-6390. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property, 3, The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call (717)240-6390. 4, If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5 , You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you, 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than JANUARY 6, 2001. This schedule will state who will be receiving the money, The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 7 . You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale, YOU SHOULD TAKE lHIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY COURlHOUSE I COURTHOUSE SQUARE CARLISLE, P A 17103 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT TIDS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. " -< ,- -,",- - ~' . '".~ ;' 0_,'"_ '_""',_~. .".= -. -~- " ,- " ~"'~"C,, ""8""'~""~;'''''''''''''C'''~' e'~ . , . ~ '~, ' ",i" """;~' ",..",,, o C, S. r-,VC," 1J..\r~ ~;~; ~C., ~(::- .::;-.;CJ ~C ~ <- ~ C:;::. ,<-- ~ e.0 '-n ~':J c:- -'-~'.I \'? :::> [0 ~F'F,,," ' , ~ ::<\ "~ ',J,J -.-.::; , , '= ,- . . .'~:,. '''- ,J.._ '"' ;<'r;,,-;--O -,,'.;c,,',_ " . ~ SPEAR & HOFFMAN, P.A. BY: RICHARD M. NELSON, ESQUIRE ATTORNEY LD. NO. 72869 1020 N. KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF M&TBANK PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs, DOCKET NO.00-3758 SAE YOUL CAHNG NKJA HARRY CAHNG AND HEE JA CAHNG NKJA LENA J. CAHNG DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: SAE YOUL CAHNG NKJA HARRY CAHNG 3 PATTONRD MECHANICSBURG, P A 17055 Your house (real estate) at: 3 PATTONRD MECHANICSBURG, PA 17055 is scheduled to be sold at Sheriffs Sale on DECEMBER 6, 2000 at: CUMBERLAND COUNTY COURTHOUSE 2ND FLOOR, COMMISSIONERS HEARING ROOM I COURTHOUSE SQUARE CARLISLE,PA 17013-3387 at 10:00 a,m, to enforce the court judgment of $71,300.96 obtained by M&T BANK against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: I, The sale will be canceled if you pay to M&T BANK the amount of the judgment plus costs or the back payments, late charges, costs and reasonable attorney's fees due, To find out how much you must pay, you may call: (856) 755-1560, 2, You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause, 3 . You may be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale, (See notice on page two on how to obtain an attorney,) ,.-- ~.,,--. - --- ,--- - ",,-~ -'--""-' '_"d " ' " ',',:,.".,,',1 -""--,_,'l:s-"~J,~;"n:;~'J.'_~'",,, ..' . . I. . '- ~--- " YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTIIER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1, If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (717)240-6390. 2, You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property, 3. The sale will go through only if the buyer pays the Sheriffthe full amount due in the sale. To find out if this has happened, you may call (717)240-6390. 4, If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5 . You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6, You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later thanJANUARY 6, 2001 This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule, 7 . You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale, YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT HA VB A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE TIIE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY COURlHOUSE 1 COURTHOUSE SQUARE CARLISLE, P A 17103 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT TIDS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ,'" ",', ' , ",,",;,,-".c.,"'" ,""",,;, ",', '"'' --~ - ~ . ~ -~,- - .,-." ".. " -,";-. '",,",''>'''''' "",' ,,;, . "", """""U " 0 c:' C C~ ~ c./) ::;," -0 [Ie ;--q rn C:-:, "~Q Z ::~. fo en e-- -< ,- ~:.:: I <- .'-c :$ c: ~~ 0 )> c -' ) '::J :2: :::> ~ :.<i [ '" -< . <". -. ~" "'~," ~- ';,' . ._.. e~'. ,__," ,;J '-"" ,'~._,," '-'.., ,.', ~ j , Spear & Hoffman, PA Richard M, Nelson, Esquire Attorney LD. No. 72869 1020 N. KINGS IDGHWAY, SUITE 210 CHERRY IDLL, NJ 08034 (856)755-1560 Attorney for Plaintiff . "~;;-,;",:,;:.... '4;:':~;,,;";;,;;';~'-~,. ''- .~,j4o.'~,-:, ,,~;;,,;.--; .:_~"-:i:;:-,:3.-i,';~;';~G;:, ,,',' ~;:'_j, . ",; ~,~, ,; M&T BANK vs. SAE YOUL CAHNG A/KJA HARRY CAHNG AND HEE JA CAHNG A/KJA LENA J. CAHNG Defendant COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. 00-3758 CERTIFICATION OF NOTICE TO LIENHOLDERS PURSUANT TO P A R.C.P, 3129.2 (C) (2) I,Pat Bonkowski, Paralegal to Richard M. Nelson, Esquire, Attorney for Plaintiff, hereby certify that Notice of Sale was served on all persons appearing on Plaintiff's Affidavit pursuant to P A R.C.P. 3129.1, by United States mail, first class, postage prepaid, with Certificates of Mailing, the originals of which are attached as Exhibit "A". The undersigned understands that the statements herein are subject to the penalties provided by 18 P.S. Section 4904. Respectfully submitted, SPEAR & HOFFMAN, P .A. 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S . ~ j;; D- ~ ~ i <:......: ::E ~E .f j;; j E ;; o .. ~ ~ ,~~ ~ ~li .J "0. ,g'li1 ~'ll z> iii .~ e_ ra: "',' ' ~ ;;,,, "~'M~"- ,,-, ,.c """ r/',~," ,",1'" _ ,iI",.,' " - h-~-'~-_'';'';''") ;-- '." ~.-" " ""I' ~" * 0 0 () c: C:) -n s: U'l utG ,.." -T'l. rnn-~ "0 f~ Z=C N -..:.:~m Zlj; (0,,', I-V ~):~ '1J ~L:_. :~~ !;2C -0 ~O ::;l: '.::",~,(:; ~~11 5>~ 0' ..-l Z. r:- ~ =< .t:'" 0< , ~ , 1" SHERIFF'S RETURN - REGULAR ( CASE NO: 2000-03758 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND M&TBANK VS CAHNG SAE YOUL ET AL DAWN KELL Sheriff or Deputy Sheriff of Cumberland County, Pensyl vania , who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon CAHNG SAE YOUL A/K/A CAHNG HARRY the DEFENDANT , at 0011:32 HOURS, on the 21st day of June , 2000 at 3 PATTON ROAD MECHANICSBURG, PA 17055 by handing to SAE YOUL CAHNG a true and attested copy of COMPLAINT - MORT FORE together with NOTICE and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 18.00 6.20 .00 10.00 .00 34.20 ~~~~ R. Thomas Kline ' Sworn and Subscribed to before 06/22/2000 SPEAR & HOFFMAN By : \\ 0 II ^ n \V o..u5"'n 0 ~ Deputy Sheriff me this 7 ~ day of q,a., 2/f7JO A.D. nt, t2~ '1~honotary ,~~ ...' CASE NO: 2000-03758 P SHERIFF'S RETURN - REGULAR #' COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND M&T BANK VS CAHNG SAE YOUL ET AL DAWN KELL , Sheriff or Deputy Sheriff of Cumberland County, Pensyl vania , who being duly sworn according to law, says, the within COMPLAINT - MORT FORE CAHNGHEE JA A/K/A CAHNG LENA J was served upon the DEFENDANT , at 0011:32 HOURS, on the 21st day of June , 2000 at 3 PATTON ROAD MECHANCISBURG, PA 17055 SAE YOUL CAHNG by handing to a true and attested copy of COMPLAINT - MORT FORE NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 6.00 .00 .00 10.00 .00 16.00 Sworn and Subscribed to before this 7 ~ day of ~ ~ A.D. <;IX' . 0 'J'ru/~;..., ~/ P honotary me So Answers: r~JOe."~~~ R. Thomas Kline 06/22/2000 SPEAR & HOFFMAN By: ~~ -J ~ Deputy Sheriff -~ ~ r'::i,i .. STATE OF PENNSYLVANIA, COUNTY OF CUMBERLAND } SS. Robert P Ziegler ' ~ -----------------------------------------_____________________________________Ilecorderof Deeds in and for said County and State do hereby certify that the Sheriff's Deed in whieh __________nn__ Landholding lnc ---_________________________________________________________________________________ B thegr,antee 6th the same having been sold to said grantee on the ______n__n_n_____h___nh_________hn__n_ day of DEcember 00 _________h_____________n______________ A. D., ; n___' under and by virtue of a WriL___h________ , Execution . 5th _n_______________n_________h__n_hn__n_h_ISSUed 00 the _________nn_______h__n______n___ day of __________n~_E!P_t_h_____ A. D., n__Q,oOut of the Court of Cornman Pleas of said County as of Civil _______________________________ _________ _________ __ _____ __ _________ __ __ ____ __ _____ Term, . 00 3758 . M & T Bank Number _nh_____h__' at the swt of ___________hn___h____n_h_______hn_____________n__n____ _ __________ ____________________ __ __ againsL_ ________~~_~_ _~9~ !__g~l..E!g__~!r_~_ _Ii 9-}:rx _~_ ___ is Jee Ja aka Lena J duly recorded in Sheriff's Deed Book No. ____?_~i?n__, Page ____?_l!____. IN TESTIMONY WHEREOF, I have hereunto set my hand and seal of said office this __~~=~__ day of __m~__m__-:__~A. D.~ 19-~L -----~~#~~n;~ ~IIdCllunIV.c:allisle. :. ReconIel of Deed~"""lhe first Monda' 01 JaIl. lA, Comftlil5lGll "-- "-, . <-...- -M""'- -" M&TBank -vs- Sae Y oul Cahng aka Harry Cahng and Hee Ja Cahng aka Lena J. Cahng In the Court of Common Pleas of Cumberland County, Pennsylvania No. 2000-3758 Civil William Diehl Deputy Sheriff, who being duly sworn according to law, says on November 2, 2000 at 9:40 o'clock AM. EST, he served a true copy of Real Estate Writ Notice Poster and Description in the above entitled action upon one of the within named defendants to wit: Sae Y oul Cahng aka Harry Cahng by making known unto Harry Cahng at 3 Patton Road, Mechanicsburg, Cumberland County, Pennsylvania its contents and at the same time handing to him personally the said true and attested copies of the same. William Diehl; Deputy Sheriff, who being duly sworn according to law, says on November 2,2000 at 9:40 o'clock AM.EST, he served a true copy of Real Estate Writ Notice Poster and Description in the above entitled action upon one ofthe within named defendants to wit: Hee Ja Cahng aka Lena Cahng by making known unto Harry Cahng, Husband at 3 Patton Road, Mechanicsburg, Cumberland County, . Pennsylvania, its contents and at the same time handing to him personally the said true and attested copies of the same. Kathy Clarke, Deputy Sheriff, who being duly sworn according to law says on October 5, 2000 at 8:13 o'clock P.M. EDST, he posted a copy of Real Estate Writ Notice Poster and Description in the above entitled action upon the property of Sae Y oul Cahng aka Harry Cahng and Hee Ja Cahng aka Lena Cahng located at 3 Patton Road, Mechanicsburg, Cumberland County Pennsylvania according to law. R. Thomas Kline, Sheriff who being duly sworn according to law, says he served the above Real Estate Writ Notice Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to one of the within named defendants to wit: Sae Y oul Cahng aka Harry Cahng by regular mail to his last known address 3 Patton Road, Mechanicsburg, Pennsylvania. This letter was mailed under the date of November 2, 2000 and never returned to the Sheriff's Office. R. Thomas Kline, Sheriff, who being duly swom according to law, says he served the above Real Estate Writ Notice Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to one of the within named defendants Hee Ja Cahng aka Lena Cahng by regular mail to her last known address 3 Patton Road, Mechanicsburg, Pennsylvania. This letter was mailed under the date of November 2, 2000 and never returned to the Sheriff's Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, says that after due and legal notice had been given according to law, exposed the above described premises at public venue or outcry at Court House, Carlisle, Cumberland County, Pennsylvania on December 6,2000 at 10:00 O'clock AM. EST and sold the same for the sum of $ 66, 150.00 to attorney Jill Winkea for Landholding, Inc. It being the highest bid and best price received for the same Landholding, Inc. of 620 Liberty Avenue 3rd Floor, Pittsburgh, P A being the buyer in this execution paid to Sheriff R. Thomas Kline the sum of $ 67,673.00 it being mortgage plus costs. Sheriff's Costs; Docketing Poundage Posting Bills Advertising Acknowledging Deed 30.00 1323.00 15.00 15,00 30.00 ''''<I~~..~, " , Law Library County Mileage Certified Mail Levy Surcharge Legal Search Law Journal Patriot News Share of Bills Distribution of Proceeds Sheriff's Deed Sworn and Subscribed To Before Me This.;?,.....( Day of 4.1", ... ... ~ f 2000, A.D. ~Il" 0. 1/,v,;,. "~- P 0 onotary "~ .50 1.00 12.40 1.07 15.00 30.00 200.00 297.95 252.45 23.15 25.00 26.50 $ 2,308.02 Pd By Atty 1/24/01 - ^ ;r~;! so~~~~ R. Thomas Kline, Sheriff By~~tl:- Real Estate Deputy ~ ~' 30,00 :1)' P c.k. 3/.J.2s' flu, 101/1..1- Writ No. 2000-3758 Civil M& TBank , ~ ,~ " ~:;i\,; "" ..;,J :ri', '" SCHEDULE OF DISTRIBUTION SALE # 26 DATE FIELD January 5, 2001 -vs- Sae Y oul Cahng a/kJa Harry Calmg and Hee Ja Chang a/kJa lena J. Chang 3 Patton Road Mechanicsburg, P A Sale Date Buyer Bid Price December 6, 2000 PNC Bank Real Debt Atty Writ Costs DISTRIBUTION Amount Collected Sheriff's Costs Legal Search Credit Writ No 2000-3758 with Refund advance costs $ 66,150.00 $ 71,300.96 122.20 $ 71,423.16 $ 67,673.00 2,1 08.02 200.00 65.364.98 $ 00,000,00 1,000.00 S~~.rf~ R, Thomas Kline, Sheriff By&:t..... J/-7r Real Estate Deputy J ~ :i~..:~ . , , '" TITLE REPORT THE PREMISES ENDORSED HEREON ARE SUBJECT TO THE FOLLOWING ITEMS, WHICH WILL BE EXCEPfED IN THE POliCY UNLESS SATISFACTORY EVIDENCE PERMITIlNG THEIR REMOVAL IS PRODUCED. SHERIFF SALE NO. 26 Held Wednesday, December 6, 2000 Date: December 6, 2000 TAXES: Receipts for all taxes for the years 1997 to 1999 inclusive. Taxes for the current year 2000, Company assumes no liability for private supply of water or sewer. Receipts to be produced if services are lienable. WATER RENT: SEWER RENT: MECHANICS' AND MUNICIPAL CLAIMS: MORTGAGES: JUDGMENTS: Possible unfiled Mechanics Liens and Municipal Claims, Listed Under Other Exceptions Below, Listed Under Other Exceptions Below, INSTRUMENTS TO BE PRODUCED: dated in Cumberland County Deed Book Deed from Cumberland County , 2001, and recorded Sheriff to , 2001, , Page RECITAL: Being the same premises which W.D.C., Inc., a Pennsylvania Corporation, by Deed dated June 26, 1978 and recorded July 3, 1978 in the Office of the Recorder of Deeds in and for Cumberland County, Carlisle, Pennsylvania, in Deed Book "W", Volume 27, Page 920, granted and conveyed to Sae Youl Cahng and Hee Ja Cahng, his wife, OTHER EXCEPTIONS: 1 , The identity and legal competency of parties at the closing of this title should be established to the satisfaction of the closing attorney acting for this Company, 2. Rights or claims of parties in possession, if any, other than the owner. 3, Unrecorded easements, discrepancies or conflicts in bonndary lines, shortage in area and encroachments which an accurate and complete survey would disclose. 4, Payment of State and local Real Estate Transfer Taxes, if required. 5. Public and private rights in the roadbed of 50-feet wide Patton Road. 6, Conditions, easements and restrictions shown on or set forth on the Final Plan, part of Blocks "B", "C", "D", "G", and "H" of Wynnewood Park, recorded in Cumberland County Plan Book 30, Page 116. 7. Building and use set back line of 25 feet as imposed by Deed of W.D.C" Inc" recorded in Deed Book "W", Volume 27, Page 920. 8, Mortgage in the amount of $60,000 given by Sae Youl Cahng, also known as Harry Cahng and Hee Ja Cahng, also known as Leana J. Cahng to M & l' Bank, National Association dated February 27, 1996 and recorded March 1, 1996 in Mortgage Book 1305, Page 586. .-" .I , ~' Complaint in Mortgage Foreclosure filed by M & T Bank as plaintiff against Sae Youl Cahng, Harry Cahng, Hee Ja Cahng, and Leana J. Cahng as defendants on June 19, 2000 in the Office of the Prothonotary of Cumberland Connty to File No. 00-2758. Default Judgment entered September 6, 2000 in the amount of $71,300.96. 9, Mortgage in the amount of $27,000 given by Sae Youl Cahng and Hee Ja Cahng to Providian National Bank dated February 12, 1999 and recorded March 1, 1999 in Mortgage Book 1522, Page 1055. 10. Mortgage in the amount of $83,075 given by Sae Youl Cahng and Hee J. Cahng (Harry J. Cahng and Leana J. Cahng) to PNC Bank, National Association dated March 5, 1999 and recorded March 22, 1999 in Mortgage Book 1527, Page 983. Complaint in Mortgage Foreclosure filed by PNC Bank, National Association as plaintiff against Sae Y oul Cahng, Harry Cahng, Hee Ja Cahng, and Leana J, Cahng, as defendants on October 24, 2000 in the Office of the Prothonotary of Cumberland County to File No, 00-7518. 11. Rights granted to Pennsylvania Power and Light Company by instrument recorded in Miscel1aneous Record Book 141, Page 517. 12. Rights granted to Bell Telephone Company of Pennsylvania by instrument recorded in Miscel1aneous Record Book 143, Page 27. 13. Rights granted to Mechanicsburg Water Company by instrument recorded III Miscel1aneous Record Book 184, Page 589. 14. Rights granted to Pennsylvania Power and Light Company by instrument recorded III Miscel1aneons Record Book 196, Page 96.. 15. Rights granted to Pennsylvania Power and Light Company and Bell Telephone Company of Pennsylvania by instrument recorded in Miscellaneous Record Book 218, Page 580. 16. Rights granted to Pennsylvania Power and Light Company and Bell Telephone Company of Pennsylvania by instrument recorded in Miscellaneous Record Book 227, Page 946. 17, Satisfactory evidence to be produced that proper notice was given to the holders of all liens and encumbrances intended to be divested by subject Sheriff Sale. 18. Real estate taxes accruing on and after January 1,2001 not yet due and payable, It is to be noted that no search of Domestic Relations Records has been made to determine support arrearages regarding House Bill 1412, Act 58 of 1997, nor has any search been made for environmental liens in Federal District Court., j Ro ert-G:-Frey-:-Agent---~-- Note: This Title Report shall not be v id or binding until countersigned by an autli signatory . . f " . -~ '0 """ L_ "'Ii;. , REAL ESTATE SALE NO. 26 WIit No, 2000-3758 Civil M&T Bank vs. Sae Youl Cahng. a/k/a Harry Cahng and Hee Ja Cahng. a/k/a Lena J. Cahng Atty,; Richard M. Nelson ALL that certain piece or parcel of land. situate in Mechanicsburg Borough. Cumberland County. Pennsylvania. more particularly bounded and described as follows. to wli: BEGINNING at a point on the Northern side of Patton Drive which point is also the dividing line of Lots No, 19 and 20. Block C. on the here- inafter mentioned Plan of Lots: thence along said dividing line North 10 degrees 23 minutes West 1 14.38 feet to a po!nt on the lands now or fonnerly of Cumberland Wilson Es- tates. Inc.; thence along said land North 79 degrees 42 minutes 30 seconds East 65.08 feet at the di- viding line of Lots No, 18 and 19 on the hereinafter mentioned Plan of Lots: thence along said dividing line South 10 degrees 23 minutes East 114,28 feet to a point on the North- em side of Patton Road; thence along the Northern side of Patton Road South 79 degrees 37 minutes West 65.0 feet to a point and place of BEGINNING, BEING lot No, 19, Block C. on the Final Plan of Part of Blocks A. C. D, E. F. G, and H Wynnewood Park as recorded in the Cumberland County Recorder's Office in Plan Book 30. Page 116, UNDER AND SUBJECT to a 25 foot building set back line, BEING THE SAME PREMISES WHICH W,D,C.. Inc.. A PennsyIva' nia Corporation by Deed dated 6/ 26/78 and recorded 7/3/78 in the Office of the Recorder of Deeds in and for Cumberland County. Penn, sylvania in Deed Book W 27. Page 920. granted and conveyed unto Sae Youl Cahng and Hee Ja Cahng. His Wjfe. PROPERTY lDlt 18-21-0287- ' 021. --<- ~ j "" , ') 'P-'l1J , , .. , SPEAR & HOFFMAN, P.A. BY: RICHARD M.NELSON, ESQUIRE ATTORNEY LD, NO, 72869 1020N. KINGSIDGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAlNTIFF M&TBANK COURT OF COMMON PLEAS CUMBERLAND COUNTY PLAINTIFF, vs. DOCKET NO, 00-3758 SAB YOUL CAHNG AIKIAHARRY CAHNG AND HEE JA CAHNG AIKIA LENA J, CAHNG DEFENDANTS AFFIDAVIT PURSUANT TO RULE 3129.1 M&T BANK, Plaintiff in the above action, by its attorney, Richard M, Nelson, ESQUIRE sets forth, as of the date the Praecipe for the Writ of Execution was filed, the following information concerning the real property located at 3 PATTON RD MECHANICSBURG, PA 17055: I, Name and address ofOwner(s) or Reputed Owner(s): SAB YOUL CAHNG AIKIA HARRY CAHNG AND HEE JA CAHNG AIKIA LENA J. CAHNG 3PATTONRD MECHANICSBURG, PA 17055 2. Name and address of Defendant(s) in the judgment: SAB YOUL CAHNG AIKIA HARRY CAHNG AND HEE JA CAHNG AIKIA LENA J. CAHNG 3 PATTONRD MECHANICSBURG, PA 17055 3, Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: NONE 4, Name and address of the last recorded holder of every mortgage of record: M&T BANK 1100 WEHRLE DR., 2ND FLOOR WILLlAMSVILLE, NY 14221 PNC BANK. NA 2730 LIBERTY A VB. PITTSBURGH, PA 15222 PROVIDIAN NATIONAL BANK 295 MAIN ST. TILTON, NH 03276 ,,'__ ___u,__, , . -~ 'I:-'r-- ,- j .. .. Name and address of every other person who has any record lien on the property: NONE 6, Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: MECHANICSBURG BOROUGH BARRY 1. HECKARD TAX COLLECTOR 605 SOMERSET DR. MECHANICSBURG, PA 17055 DOMESTIC RELATIONS P,O, BOX 320 13 N, HANOVER ST. CARLISLE, P A 17013 COMMONWEALTH OF PENNSYL VANIA DEPARTMENT OF REVENUE - LIEN BUREAU OF COMPLIANCE DEPT, 280946 HARRISBURG, P A 17128-0946 ATTENTION: SUE BLOUGH TAX CLAIM BUREAU I COURTHOUSE SQUARE CARLISLE, PA 17013 CAROLYN MCQUILLEN TAX COLLECTOR 1044 PINE ROAD CARLISLE, P A 17013 CHARLES E. PETRIE, ESQ. 3528 BRISBAN ST. HARRISBURG, P A 17111 7, Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT(S)/OCCUP ANT(S) 3 PATTONRD MECHANICSBURG, P A 17055 I verify that the statements made in this affidavit are true and correct to the best of my personal Imowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.CS. g4904 relating to unsworn falsification to authorities, SPEAR & HOFFMAN, P.A. - ~. NELSON, ESQUIRE ATTORNEY FOR PLAINTIFF "' - '- AC 'J " ,- ".~,,~ . ' (' , ,..... , SPEAR & HOFFMAN, P.A. BY: RICHARD M, NELSON, ESQUIRE ATTORNEY J.D. NO, 72869 1020N. KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FORPLAll{DFF M&TBANK PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO,00-3758 SAE YOm CAHNG AlK/A HARRY CAHNG AND HEE JA CAHNG AIK/ A LENA 1. CAHNG DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: SAE YOUL CAHNG AlK/A HARRY CAHNG 3PATTONRD MECHANICSBURG, PA 17055 Your house (real estate) at: 3 PATTONRD MECHANICSBURG, P A 17055 is scheduled to be sold at Sheriffs Sale on DECEMBER 6, 2000 at: CUMBERLAND COUNTY COURTHOUSE 2ND FLOOR, COMMISSIONERS HEARING ROOM I COURTHOUSE SQUARE CARLISLE, PA 17013-3387 at 10:00 a.m. to enforce the court judgment of $71,300.96 obtained by M&T BANK against you. NOTICE OF OWNER'S RIGHTS YOU MAYBE ABLE TO PREVENT TIDS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: I. The sale will be canceled if you pay to M&T BANK the amount of the judgment plus costs or the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call: (856) 755-1560, 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may be able to stop the sale through other legal proceedings, You may need an attorney to assert your rights, The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney,) - --, , - ~""-'- "' ~d I .~---.. YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. I, If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder, You may find out the price bid by calling (717)240-6390. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property, 3. The sale will go through only if the buyer pays the Sheriff the full :;unount due in the sale, To find out if this has happened, you may call (717)240-6390, 4. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sal e never happened, 5, You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution ofthe money bid for your house will be filed by the Sheriff no later thanJANUARY 6, 200 I This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule, 7, You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE ALA WYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY COURTHOUSE I COURTHOUSE SQUARE CARLISLE, PA 17103 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT TIDS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ~. L lJ%&",," , ( , . -. . , , SPEAR & HOFFMAN, P,A. BY: RICHARD M, NELSON, ESQUIRE ATTORNEY J.D, NO, 72869 1020 N. KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF '>, ~ ...- M&TBANK PLAINTIFF, COURT OF COMMON PLEAS ,CUMBERLAND COUNTY vs. DOCKET NO.00-3758 SAE YOUL CAHNG AJKJA HARRY CAHNG AND HEE JA CAHNG AJKJALENA J. CAHNG , DEFENDANTS . NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: HEE JA CAHNG AJKJA LENA J. CAHNG 3 PATTONRD MECHANICSBURG, P A 17055 Your house (real estate) at: 3PATTONRD MECHANICSBURG, P A 17055 is scheduled to be sold at Sheriffs Sale onDECEMBER 6, 2000at: CUMBERLAND COUNTY COURTIlOUSE 2ND FLOOR, COMMISSIONERS HEARING ROOM 1 COURTHOUSE SQUARE CARLISLE, PA 17013-3387 at 10:00 a,m. to enforce the court judgment of $7l,300.96obtained by M&T BANK against you, NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT TIllS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be canceled if you pay to M&T BANK the amount of the judgment plus costs or the back payments, late charges, costs and reasonable attorney's fees due, To find out how much you must pay, you may call: (856) 755-1560. 2, You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered, You may also ask the Court to postpone the sale for good cause. 3. You may be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you wiIl have of stopping the sale. (See notice on page two on how to obtain an attorney,) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN 1F TIlE SHERIFF'S SALE DOES TAKE PLACE. ,.., , " ,- , ..-. ~ 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (717)240-6390. 2, You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale, To find out if this has happened, you may call (717)240-6390. 4. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5 , You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gi~es a deed to the buyer, At that time, the buyer may bring legal proceedings to evict you, 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than JANUARY 6, 2001. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale, YOU SHOULD TAKE 1HIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT HA VB A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE 1HE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY COUR1HOUSE I COURTHOUSE SQUARE CARLISLE, P A 17103 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT TillS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ;...- -; "' '&0 . '- ALL that certain piece or parcel ofland, situate in Mechanicsburg Borough, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit; BEGINNING at a point on the Northern side of Patton Drive which point is also the dividing line of Lots No. 19 and 20, Block C, on the hereinafter mentioned Plan of Lots; thence along said dividing line North 10 degrees 23 minutes West 114.3 8 feet to a point on the lands now or formerly of Cumberland Wilson Estates, Inc.; thence along said land North 79 degrees 42 minutes 30 seconds East 65.08 feet at the dividing line of Lots No, 18 and 19 on the hereinafter mentioned Plan of Lots; thence along said dividing line South 10 degrees 23 minutes East 114.28 feet to a point on the Northern side of Patton Road; thence along the Northern side of Patton Road South 79 degrees 37 minutes West 65.0 feet to a point and place of BEGINNING. BEING lot No. 19, Block C, on the Final Plan ofPart of Blocks A, C, D, E, F, G, and H Wynnewood Park as recorded in the Cumberland County Recorder's Office in Plan Book 30, Page 116. UNDER AND SUBJECT to a 25 foot building set back line. BEING THE SAME PREMISES WHICH W.D.C., Inc" A Pennsylvania Corporation by Deed dated 6/26/78 and recorded 7/3/78 in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania in Deed BookW 27, Page 920, granted and conveyed unto Sae Youl Cahng and Hee Ja Cahng, His Wife. PROPERTY ID# 18-21-0287-021 ~=~~ , <...:..~ I, " . ' ,.~~~" . , . , .. . WRIT OF EXE(WTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO. 00-3758 CIVIL 19_ CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: M&T Bank To satisfy the debt, interest and costs due PLAINTIFF(S) f~m Sae Youl Cahng ajkja Harry Cahng and Hee Ja Cahng ajkja Lena J. Cahng, 3 Patton Road, Mechanicsburg PA 17055. DEFENDANT(S) (1) You are directed to levy 1I00n the property of the defendant(s) and to sell Real est ate loc a ted at 3 Patton Road, Mechanlcsburg PA 17055. (See attached legal description.) "j." ""'"l . ~\., ",., (2) You are also directed to allach the property of the defendant(s) not'levied upon in the possession of _'._ -. C'" "",~~.\"i."."."'~",,<>~.;.........,,; " . .~.~",<,=>~i,,,,,".,...":_.,,, .i&,(. "~v (',,' .)Jl~~ ;t~ :1l;~ji;;;;;!>.. '; . "GARNISHEE(S) as 101l0ws: , and to notWy the garnishee(s) that: (a) an ati'i&Hli1I1en\f;tasbeen issued; (b) the garnishee(s) is/are enjoined lrom paying any debt to or lor the account of the defendant(s) and irom delivering any property of the delendan1(s) or otherwise disposing thereof; , , " --L..::,:.,'>~~",........,,,,c,.:-~,;,,,,,;,. :),,-:.-;i;,}~,-,,}~ ' "; '\ J .'" ';. (3) 11 property.~thEldefend~ntt~) nQtlElvied upon an subject to allachmenl Isfouriailftl1ePo$Session 01 anyone other than a named garnishee~youafeCl[fectedrenbiifYhrnitherthat he/she has been added as a garnishee and is enjoined as above stated, LL Due Prothy Other Costs $.50 $1.00 Amount Due $71,300.96 Interest Ally's Comm % Ally Paid $122.20 Plaintiff Paid Date: ~p.rrp.mhp.r 'i :1000 ClIrtis R. Deputy by: Address: REQUESTING PARTY: Name Richard M. Nelson, Esq. 1020 Kings Highway', Ste.210 cherry Hill NJ 08034 plaintiff Allorney for~ Telephone: Supreme Court ID No, (856) 755-1560 72869 t-- . .4 --... , REAL ESTATE SALE No~"~'" Of'\. ,~ ~., P.tL 6; '}.rrIr> the sheriff levied ullOO the defendam::. ""," ;0 the real prooeoy sltuallld 104ft,/", .".:l71~L- , 'Hi,berland County p~ , \<nnWfl 'lnd numbered as: q'/l/LJL.. ..J)'..,., and more Ill';" oescribed on exhibit "A" filed with this writ and by this reference incorporated herein. 'alll:~Lt, 8:, >= By: r;t:::Z~~1' E=0 c:::;:n1 C\@ c;:::::::s G:e> GVi1 VI~!V.Al),"SNH3d ~!lS!~'tPt8 00 I Hd EO r L d~S AINfi[~~~~l~:i"n~ ,HIll3HS .11l 30 J:;I::LlC .~- ~ ~" .. ~, ' REAL ESTATE Si\1LE NO. 26 -,~,,-~.,,--,'--~' . ,~.....~~_,,",~,:t Writ No, 2000-3758 Civil M&T Bank vs. Sae Youl Cahng, a/k(a Haily Cahng and Hee Ja Cahng, a(k(a Lena J, Cahng Atty.: Richard M, Nelson ALL that certatn piece or parcel of land, situate in Mechamcsburg Borough. Cumberland County, Pennsylvania, more particularly bounded and described as follows, to Wit; BEGINNING at a pOInt on the Northern side of Patton Drive which point Is also the divldlng Une of Lots No, 19 and 20, Block C, on the here- inafter mentioned Plan of Lots; thence along said divldlng Une North 10 degrees 23 minutes West 114.38 feet to a point on the lands now or formerly of Cumberland Wllson Es- tates. lnc,; thence along said land North 79 degrees 42 minutes 30 seconds East 65.08- feel at the di:' -" vlding Une of Lots No. 18 and 19 on the hereinafter mentioned Plan - of Lots; thence along said dividing Une South 10 degrees 23 minutes East II4,28 feet to a point on the North- ern side of Patton Road; thence along the Northern side of Patton Road South 79 degrees 37 minutes West 65,0 feet to a point and place of BEGINNING. BEING lot No. 19. Block C, on the Final Plan of Part of Blocks A. C, D, E, F, G. and H Wynnewood Park as recorded in the Cumberland County Recorder's Office in Plan Book 30, Page II6. UNDER AND SUBJECf to a 25 foot bullding set back Une. BEING THE SAME PREMISES WHICH W.D.C" lnc" A Pennsylva- ilia Corporation by Deed dated 6/ 26(78 and recorded 7(3(78 ill the Office of the Recorder of Deeds 1Il and for Cumberland County, Penn- sylvania ill Deed Book W 27. Page 920"granted and~c.9nYeYl'duntn Sae Youl Cahng and Hee Ja C,uillg, His Wife. PROPERTY ID# 18-21-0287- 021. _~. '~'_-W . ! L...~ " .. , " PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), p, L.1784 STATE OF PENNSYLVANIA : ss. COUNTY OF CUMBERLAND : Roger M. Morgenthal, Esquire, Editor of the Cumberland Law Journal, ofthe County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the BOr0ugh of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues ofthe said Cumberland Law Journal on the following dates, VIZ: OCTOBER 27, NOVEMBER 3, 10,2000 Affiant further deposes that he is authorized to verifY this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. ~ Roger M, Morgenthal, Editor . SWORN TO AND SUBSCRIBED before me this 10 day of NOVEMBER. 2000 Not NOTARtALSEAL LOIS E. SNYDER, Notary Public Carliol. Boro. Cumborlond Caunty, PI< My Commiuion Expi....March 5.2001 ".'.'-RE/(L'iSTATCSAl.ONO:2Q- , W,it No, 200Q-37S8 , Cl,ilTerm' , . MlltsanJ' YO Sa. Youl Cahng AIKIA' Hal'1'Y Cahng . , ' aMdH.. JaC\lhng AIKIA ' t.en3J,!;ahng Arty: Richard M. Nelson DESCRiPTION ALL_ that '~ertain riek or parc,el. of land, situate in Mechanicsbur,s; . Borough, Cl.lItibe'rland County, Pennsylvan!it, more particUlarly bounded and det>cribed as ! follows; to wH; BE~INN!NGa\ a pailit on the Northern side of Patton Drive which point is' also the dividing line.of Lots No. 19 and 20; Block C, on lhe hereinafter mentioned Plan of Lots; thence along said dividing line North 10 degrees 23 rriklUtes West 114.38 feet to a point on the lands now or formerly of Cumberland Wilson Estates, Inc.; thence along said land North 79 degrees 42 minutes 30 seconds 'East 65.08 feet I at the dividing, 'line of Lots NOs. 18 and 19 on the hereinaller mentioned Plan of Lots; ~henl:'e a1~ng sa!d ~ividing line South 10 ?egre~ 23 mmutes East 114.28. feet to a pomt on the Northern ,side of patton Road; thence ~long the: Northern side of Patton Road'South 79 degrees 37 minutes \V6t 65.0 fed to a point and place of BEGINNING. BEING Lot No, 19, Block C, on the Fin,\ P~n o['p,rt of Blocks A, C, D, E. F, G, ,nd H }\,~newood 'Park as reronled In the Comberland CQunty Rc.wrder's Office iit Plan Book3D, Page 116.' . UNDt.R AND SUBJECT to a 25 foot building Sl!lbackline. ,. BEING THE SAME PRE.';!lSES which Wo.c, In'.,. a Pennsylvania Corporation by ~ dated 6126ns a'ri.d recorded 7/3178 In the: Office of the Recorder of Deeds in and for Cumberland Courilj; PelmsyIvania in De<d Book W ZJ. Page 920, granled..and conveyed unto Sat Youl Dhng al'ldHee-JaCahng.'Hi$~\iife.. ' ~.]'.R.9]'ER1YID #1B-2~:~L,__,_>_,_ .' -'>.-~' , .. THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No, 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss James L. Clark being duly sworn according to law, deposes and says: That he is the Acounts Receivable Manager of The Patriot News Co" a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of Th e Patriot, News and The Sunday P~triot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot, News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Metro editions which appeared on the 31st day of October and the 7th and 14th day(s) of November 2000, That neither he nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in '~;~::,::~:~:m;"g " 000," '" ,.. ""'"O,""'",,"""s?7'"oo"","'.~..mm COpy Sworn to and subscribed before me ' 1st day of ecem 2000 AD. S ALE #26 Notarial Seel Terry L. Russell, Notary Public Harrisburg. Dauphin County My Commission Expires June 6. 2002 Mambel, Pennsylvania Association of Notaries y commission expires June 6, 2002 CUMBERLAND COUNTY SHERIFFS OFFICE CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA. 17013 Statement of Advertising Costs To THE PATRIOT-NEWS CO" Dr. For publishing the notice or publication attached hereto on the above stated dates $ Probating same Notary Fee(s) $ Total $ 250,95 1,50 252.45 Publisher's Receipt for Advertising Cost The Patriot News Co" pUblisher of The Patriot-News and The Sundav Patriot-News, newspapers of general circulation, hereby acknowledge receipt of the aforesaid notice and publication costs and certifies that the same have been duly paid, B~.,.,."""""",."""""""""___.""",,,.,"""""" 3<Jj- ~. L I " ',:", .,' ,,,l L.J , .4['- . ,~ -L1L <l .IilI''''" $ 1000.00 Advance Costs Paid 09/08/00 Assessed Valuation $ 10120 Real Estate No 26 Atty Richard M. Nelson Writ No. 2000-3758 Civil Term M& TBank -vs- Sae You! Cahng a/k/a Harry Cahng and Hee Ja Cahng Alk/a Lena J. Cahng 3 Patton Road Mechanicsburg, Pa Real Debt Interest Atty's Fees Atty's Writ Costs Escrow Late Charges $ 71,300.96 122.20 Sheriff's Costs Docketing Poundage Posting Bills Advertising Acknowledging Deed Auctioneer Law Library County Mileage Certified Mail Levy Surcharge Postpone sale Out of County Legal Search Law Journal Patriot News Share of Bills Distribution of Proceeds Sheriffs Deed 30.00 1323.00 15.00 15.00 30.00 10,00 ,SO 1.00 12.40 1.07 15.00 30.00 297.95 252.45 23.15 25.00 26.50 TAXES 2000 County, Library & Boro Taxes 2000 School Taxes 473.11 1558.48