The URL can be used to link to this page

Home My WebLink About00-04679 'Ii"" , t 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. : 2006346759 BANK OF AMERICA, NA 475 CROSSPOINT PARKWAY GETZVILLE, NY 14068 PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. &'0- Yt..79 ~..,~ vs. JANET E. BENTZ 703 CEDAR RIDGE LANE MECHANICSBURG, PA 17055 DEFENDANTS COMPLAINT.CDnLACTION COMPLAINT IN MORTGAGE FORECLOSURE NOTICE You have been sued in court. If you wish to defend against the claims setforth 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 - ~ ", . . t '" ,,-, . A VISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo 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 decidir 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 INMEDIATAMENTE, SI NO TlENE ABOGADO 0 SI NO TlENE ELDINERO SUFICIENTEDE PAGAR TAL SERVICIO, V AYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIAL LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17103 (717) 249-3166 . . , "l,"_, ,c. 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. : 2006346759 BANK OF AMERICA, NA 475 CROSSPOINT PARKWAY GETZVILLE, NY 14068 PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. N. <1(,. 79 ~ T:.-- vs. JANET E. BENTZ 703 CEDAR RIDGE LANE MECHANICSBURG, PA 17055 DEFENDANTS COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is BANK OF AMERICA, NA, with its principal place of business located at 475 CROSSPOINT PARKWAY, GETZVILLE, NY 14068. 2. The names and last known addresses of the Defendants are: JANET E. BENTZ, 703 CEDAR RIDGE LANE, 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 DECEMBER 22, 1998, Mortgagors made, executed and delivered a Mortgage upon the premises hereinafter described to CORINTHIAN MORTGAGE CORPORATION, which Mortgage is recorded as follows: Office of the Recorder of Deeds in and for CUMBERLAND COUNTY DATE OF MORTGAGE: DECEMBER 22, 1998 DATE RECORDED: JANUARY 13, 1999 BOOK: 1512 PAGE: 1107 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. 1 ~~ , ""~ " . . 5. On or about DECEMBER 22, 1998, in consideration of their indebtedness to CORINTHIAN MORTGAGE CORPORATION, JANET E. BENTZ made, executed and delivered to CORINTHIAN MORTGAGE CORPORATION their promissory Note in the original principal amount of $108,661.00. 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: CORINTHIAN MORTGAGE CORPORATION ASSIGNEE: BA MORTGAGE, LLC DATE OF ASSIGNMENT: MARCH 1,2000 RECORDING DATE: JUNE 12, 2000 BOOK: 646 PAGE: 371 A copy of the assignment is attached as Exhibit "C". 7. The Mortgage is secured by property located at 703 CEDAR RIDGE LANE, MECHANICSBURG, PA 17055, which is more particularly described in the legal description attached hereto as Exhibit "D" 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 NOVEMBER 1, 1999 and monthly 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 . , , 9. The following amounts are due on the Mortgage: Principal Balance $107,714.50 7.00% interest from OCTOBER 1, 1999 to APRIL 15, 2000 at $20.94 per day $4,146.12 Accrued Late Charges $37.41 Attorney's Fees $5.385.72 TOTAL AMOUNT DUE $117.283.75 Interest continues to accrue at the per diem rate of $20.94 for every day after APRIL 15, 2000 that the debt remains unpaid. 10. The original principal balance of the Mortgage is in excess of $50,000.00 and therefore, Notice of Intention to Foreclose Mortgage, pursuant to Act 6, 41 P.S. ~403 is not applicable. 11. The subject mortgage is secured by the Federal Housing Administration under Title II of the National Housing Act (12 U.S.c. ~~1707-1715Z-18), and as such, notice pursuant to Act 91,35 P.S. ~1680.403(c) is not applicable. 12. Notice pursuant to the Fair Debt Collection Practices Act is attached as Exhibit "E". 3 ~ 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 under the Mortgage and for the foreclosure and sale of the mortgaged premises. SPEAR & HOFFMAN, P.A. DATE: 0 j CJ.-9. /ceo ~~ RICHARD M. NELSON, ESQUIRE 4 .,.,.. , -~, t "-', . VERIFICATION The undersigned, RICHARD M. NELSON, ESQUIRE, being duIy 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 setforth 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. DATE: 0'/ ;;-oz/-C9fj I ~ RICHARD M. NELSON Attorney for Plaintiff " ','. ~" _ ~l)'" o o ~ ," n,-,.l 1-:>76 6 . : :i. : : :i:": ~.' . ...., . !..1 ,.:.: .J'. ;::: ,,':'; ~"!.. :.t. J ("C!)lH ~'. f'.., '99 ,jnN 13 PrI 3 O~ ,AFTER RECORDING RETURN TO: First EquilY Tille C"'Il- 1005 Frederklk Raai:I BaI1lmore. MD 211128 Parcel Number: ',Spa.. ^bnT~ Tit.. Un" Fot llK.rdinc ]!)a11l1 . to1IAC:ase.Nu. "'-::". Comdlo""'1I!8rth of rennsyt".nia MORTGAGE 441-5B3600~ Lg~n IC; 2269689 THIS MOR'J'(iAOS. ('IS~ri(y Instrument") is givc:n on Tho MOltlllllOf i. Janet ~. 8ent%. A Separa~ed Woman ~acembe~ 22nd, 1~9B ("Borrowtr"). This Securlcy InICJ1Jmcnt. is given to Ccrinehiar. Hc%t9a9~ corporation which 1:1 organized and oxl,lln& under ~hl; law. (lr the sta.te Qf M!.s2'i.:saippi I And whoSG ~ddress i. 5700 Broadmoor, 'suite 500, Ml.!lsicn, KS 662D2 (ILcm6Dr'). Borrower owes Lander the prinoipat sum of One ~unQred Eiqht ~housand Si~ Hund~ed Sixty DneR------- non",. (U.S, $ 108,66:.00 ). l1,i. dobt is ovid.no"""by BOrrow...'. nOle d.led the ..me date "' Ihi. SecUlity 1..lntmenl ("l'lOlo"), whioh I'tDyides: for monthly pajmclui;wlth. the full dlbt. Unol paid BUnet', due and p"Y.bIG Q'J1 :JanuaJ:'Y 1st, 2029 . Tni; S-ril)' ,~.,..._ts...ns ..1Aolcr, (a) lb. rep~menl of !be debt evidenced by the ~ote, with iDteR'f. and *'1 rell.~aI'l .e~tQIIllari:J ""4 pwdificaElaas Dr the Note: (b) the paYIftI:;Rt of aU o~blbt aumJ, with inl....t. adv...."" IIJIdor.pirapoph 1 .. pmteel tbe .security or Ihi. SecUrlly 'oslrumonl; Ind (0) Ihe perFnrm.n.. ftlA p.nnQl1T.nl, Ml\lIrl...t - "M <IIit""WAJ 111"'41.01 II~' NCIl'lGAGtFOIIMS, "~2t.7:z!!ln..,,:..,t. "O,t_l. l~.:~ .BOU~ i512 rAGf1:1l07 =.;, """,,,,,",,. -1- . . ( o o r" of Borrower's c:c,-:;nanJ:s and Ilf"mInt,S uruler tbis Security Indtumc::nt and llt& Nott. POt tbit purpose, Bonower d... hereby mOEl\l"Sc, s,an,' and ooov.y ,0 !lie l.<mdcr ,h. followioS described pn>pe,ty located in t:'LJmberland CoUN)'. PennsylvfU'lill.: See ~ttaehed Exhibit WA~ Fo~ Lsqal D.s~ription Alle~ TWP. wh;chhtit}leaddroJo[ 103 Cedar 'Rid.ge Lane, Mlilcha"ieabu;rg A/r<!A Upper I 151~,.CityJ, Pen..yl..ni. 17055 12lpCod.j ('l'roperry Mclrea."): TOG6TREIl WITH .11 the. improvements now or hClreafter fIll"ecled on We property I' and all eftUlr:.lenls., ."pun........ and rahl... now ot h=on.r . p,rt of th. prop<rl)l. AU reploeom.." nncI oddilloo, ,holl oJ,o be covered by Ihi, Security In.",mlClll. All nflb. r"",going;, ref\on'eCIto in!.h;, SC<Urily Imtru.wll..,ho "Prep"'I)'." BORROWER COVENANTS 1b.1 Borrower I. l,wfully .ei.... of lhe ....Ie h....by eonveyed ami has lhe rlglll to .""PS., srant and eon...y tho Ptopol1)' and Ilullllle PlOperI)' iJ unCll<Wllllu<:d, 0_1'1 r01 eneumbu.UB of '-ro. lIo,,,,"'o' WIl....nl. ancl .,iII d<of""d ge.....lly che tid. <0 tho PrOpeIlY again.t .11 olallll5 ond deJnan,h. .ubj.., 10 ,ny cnclllllbrancos. c(l'tCOrd. THIS SECURITY INSTRUMENT .....blD<l5 unl,..."" ...._1. lor nalional ..... and ""n"tl1lifQ,n, CO"."." wilh limited vlri.ations by jUrI.diction (0 constitute a uniform security instrument covcrinS real pto;lcrty. Bt,rrowcr .1Id Landar Covc:nan( ami agree ., follow.!: UNIFORM COVENANTS. 1. rn)'menl or Princlpa., tl1ttnJi and. Late. CbD1'gIl. llorrawer sball pay wilen due the: prineipill of, And inl....l.n. the dobl evidenced hy Ihe N...lIn4l'l' charses dllO Under u.. 1'I0ce. 2, MOJ""'; p.y....., of 'I'll.... JlIIUl'II_ OJld 0.11.. C1..rs.... Dorrow.,. ,ll.1I incl.d. t" ...h monlhly p.y.....t, Io,cthor Willi the prinCIpol end int_ asm Ibllh In lho Nolo and any lafo cllsr,.., a ,uln for (a) ,..... ...d special "SCWIlO11I' ievled 0' 10 be l<\'lod 'llaIM' the PRrp.rty, (b) l....hold pay....nt. or ll'.und r.... Ol\ lh. Pr.roerty, ancl ec) promt.... for in.a""'Qll ~red under "a"gnph 4. I. 1lI\l' y.... in .,hiol> tin> Lender m..t pay. mortg'lc jhSUrlllli;C premium CO th. Stctetary or Housh,. ilhd Urb;m. Dfsveklpmen.l. ("5oerctary"), or in any Yt;W in whicll .uch premium .....Id 1Ul"" boen:RljulNd II Left"'" <till held tho $eeulity IO'I"'ment, each ",onohly pl\Y....1 .han Also lJJclvd. eilh.., (I) . sum for u.. ......w mo...... i'$\1I'111" premium 10 be paid by Lendor .u Ibe Socrola." or (Ii)_ mOnlhly oh_ lId/ead of a "'"1"8" insuran.. premium If rhi. Se<urlIy I...,nlment hll..ld by ~,. S.......l}'. in a r........b1e ....... (0 " d._lned by. the SocnotBl)'. Bltcept for lb. "",nlltly .h..... by lh. Scerotary. Ih..e itom. U1I alllo<l .'l!sclOw l1tm.' IIIIIlhe ...ms paid to Lemkr are ailed 'Escrow Fu~d.,' LendOf' rnay. at any dmc, collegt. and hold .mOl.lnl~ for Escrow Itemt in an aggrep,e arnount not to exccc<llhe max.irnum amount Ibat may be requ.ired.Cot Borrower'. t:t~w account \lader tho Real Estate Sc:~tlcmcl1t Proc:cd.IUCS: het of 1974, 12 U.s.c:. s..tiOJl 2601 ., SIf/. lUll! 1nlJ>!<nlon1inS re,ulaliom. 24 CFR P8tI 3500. a. Ihey hlllJ' be amonded f",m time to lime C'RI!SI'A '), .....JIlINl u.. OlIs1tion or ros.",e pennilled by RIlSM for un...ieipa/ed dbbUrmnerlII of disbursetnerlU bdora <<he BOITOWCf'S ~ymlntrr arc Dvailable in rho account may l'IC'Jt be hilled on amounts dUb ror the:: matlglLge in""r~ l're.n"uln. . ......MI".Al1U'GII.Ol ".,.z"r. .,,,..~ .sod.;12 fAcr1108 " F'- ,. "., , o o. If the amountl held by Londer rOr Escrow lien" exceed ,h. amounts pcnnilled 10 b. hcld by llESPA. Lender ,hill Ic..unt k> 00''''- rot )he eiee~ fund. .. r<;quired by RBSPA. If Ih. Im.unlS of fund. h.ld by LAllder .1 any lime ~ J\OllUmc:lcn~ ~ p.,_d!o Bscraw'Uenu when dISCI, LEnder may nDtify .he BOlTDWcr and require Borrower tc make up the shorlllle .. Pl'rmUied by RBSPJ\.. . TIle'S"",w .Pwul;~lra P~Be4 ....lllldiU.n.' ...uill)' for all ,UIIII ........d by Ihll S~riIY I~"nlm"'l. If l}orrtJWa, lOlld.ro io uncler ,h. MI payll1Clll af .11 ...h "'nlS, Barrawer'. .cc.u.t ,hall be credllod "'"" th. bol..ee remainins:' fDr In: tDsfallmanr Jr_1 (a), (b), and '(c)-and any marl,a'l! bUUrlIIR" pn:mium iftStartmeln 1h"c L.ondOll1as noI become gbJlllDlI~d. to pi)' to Ih, S,ecrmBry, and Lender shan flromplly rotund any 8&ce$S funds 10 Borrower. Jmmcdiately prior to a toroclosQrO orc of the Prgpcrty Dr its acquisition by I..cndor. DOrI'DWOr'S ac:count shnll b4! erodiled wilh IlII)I bel"""" remaining fo,olll..I.II.,_ for hem. Ca), (b), and (c). 3. ApplloulIOlI orPDyn..,lis: All P'Y""" IIIlderp..agr.ph. 1 ""d 2 .1..11 be .ppJie4 by Len~.r.. follow" fin!. ID me rnonld,o inlnrrancc premIum to bo paid by Len4e.r to th~ Sc:creIlUY or to ll1c'tnonChly ellarae by (be Sccrcuuy insreall Dt the f!1Dnthly mortg,ace insurance pn:mtum: ~t to 'any tu:~, special awssmcl\tI. 16iSehofd. pll.ynlsnt5 or ground roncscand fire, Hood and l.nher Jurznrd insurano:,- prcml1UDlI, as required; Ibb!L \0. ihte~!lt dUG undld'~rh. Nota; fR!![!!l. 10 am.niDllo. of lbe principal or lho No'o; llIld EifIh, '0 .lale chara.. dUI uncler the N.le. 4. Fin. Flood alld Orher Hoard warun!:l!. Bonower shalt insure all i mpl'Clvcments 011 ~be Propart)'. whether now in existence ot 4\JbleqUCnfly ~1Cd~ "I,.'ast any b.1zards.. casu.Jlh:s, and eonUnjlenciCSi, lnc;d~ding lire. for which Lender requlrcs- Jnsur..nce. This lNuranC&: ....11 be maintained in lhe Dmnun1s and for tbe p6rinds tb;tl Lunder requires. Borrowor sh..l1 .Iso insure all improvelnonts .(In Ihe Properly.. whether ~ow in c:xiSlcnce or subsequendy ~r-=d, ag.inllit Iou by fioodJ to the eJ:ttnt required by me Secretary. ~ n iowranl;e sball b~ carricd willI companies approved by Lender. The insurance policies and llny rcmcwall shall be held by l..c.ndc:r and shall illCludc loss payable cl.Ulo.< in favo, of, and in a form a<ceplablelo, Lendcr, In the evem at 10ss, Borrower shaU give. Ulldcr imrDCldiate no[ic:~ \\y mail. Lender may Inab proof of los'll it not m.de prol1lp!ly by Borrower. Each lnmr"".. "",,,pany e..eomed is be..by aumorlzed aIld direcled '0 milk. paymeot for such 1011 dirca~ly ro l.A:ndar, instead or to Borrower del to LcndClt jalnUy. All or ;ah)' part of the inllqnm" procudl may ~ applilKl by Lel\der, ill ils option. either (a) (0 tb~ reduction of Ihe illdtt.todp"s undll:r the: Noee and Ihi. Sec.Pfily In'trument, first 10 iIIny delinquent al'nOunts applied lP 1hc order In paral:.rnph 3, and then to prtpllymcnt or princip.l, or (b) ,e Ihe ........d.. or rapair uf the damagC<ll'ropcrty. Any .pplication of the proceeds '0 ,he principal ,blIlI not extend or po",po.e tile due dBl. or 'hel1lOll'hly plll'ments which D/ll referred to in p....groph 2, or change;: lJIe ,n1O"nl of such paymenlJ. Any e).:~$$ jn$\1ranc:e proceeds over an arnoUnl rcquirod 10 pa)' aU OUI5IRr:.ding. indob,C<lofl$$ under Ihe Note and Ihl. 5KUrity 1..lrumen.sh.1I be p.id ,. the onlily 'egally endded th...to. In. tile tY'enl of foreclosuJ'C of Ibi. Sl~rity Instrumenl or o~h~r lmlder of lilJe 10 the PtOpt:rty &hat c~linGuishes (he indebtedMl$', aU tight, litlc and inrm:sl of Borrower in and 10 inS\Inmcc policies b\ ron::e shall pIli '0 Ihe purch...r, 5. OI:CUpilbay, l'reserrlltlon. Mtlln~.ncc and l'tutectlon af thft Propaty; Borrower's Loah Applic:.Uon; u...I,aldll, Bom>WC! shall occupy, ...ebli..., and Use 'he Properly a. Borrower's principal r..l4cnce wilhin sixty doy. aner Iho ......u." or tbi. Securi'y In'INRlo.I (.r ",Ubin ,IIIIY d.ys .r a lator sele Dr tr...."..t of the Propenyl and shDll CQndnuc 10 ac:c:apy lhe PropertY as 8ortQwec's princJp.' lcsillonc:c for QI least one yellr aRcr the dale of occ.upancy. unt~s Lc:nder determines that teqlli.remenl will CAUse undue hardship fear Borrower. or tmles& extenu.t1lh11 c:irc:unulrancss e:.:ist whieh a~ beyond Borrower's conlrol. Banowet' shAn noUty Lender of any e:xtl:louadng cite,*mst"ntlCS~ Borrower $han not commit wilde or d~.roy. dama.ge or substanlIally chance thl; Properly or allow the PropertY to detCl'iol'Nc. rea$on.blc \YClI and 1ear eltcepted. Lender may nn5pCct rhQ 'Propeny if lhe Property is Y'ac:u\t OJ'' abandoned or 1he loan is in derault. Lender may take reasonable aclion to prDtect ,pd pn:sc.rvc 1I11cb vacant or ., C!ltt4RfPAl "~.I,Ol 'Illl.Jal'1 lnlll"'~ aooK 1512 'ACf1109 -,- 1""~..~' :S~ ~ . . , ,. obandon.d Prop."Y' Ilorrowa, '''0110 b. In dar,.1l if B~rt.W.', during lh. lo.n .ppli~ pre.';'" gnv. ,n.,.rlolly rat.. or in.eeurot. Inform.lIon or .tal.ments ,. Und.r (or f.il.d ,. provld. LendW<h OilY ",...rinl inrorma'i.n) in oonncoll.n wltll lho 10.. evtdonced .by ,h. N..., In.ludlnG, bu' no' limited to, ,epres.nlOtlon' e.nceminll Ilorrow"". """,,p.ne)' of 'h. Proporty os . p'indnll re,ld.n... lr Ibi. S.curity In''nlmenl i. on n ,...abeld. Borrew.r .ITa"oomply with ,he p",vi.lOns or Ih.I..... 11 B.rtOwer seq.iru fee 1i,1. t.lllO ",operlY, II.. I...ehold and re. UI1. .ball no, be mCfll.d .n1... Lend'" op". tho mo'S.r in wriling. 6. C.all....n.IIOP. Th. p.....,el. .r onY aWard or e1.im fo' dam.a", dirtel .r eon.oq'CfIllal, in c01\Ooclion Wilh any oond,....alion ar olb.r lIleinS'.r onY .part ..f III. ProperlY, ., rOf ...~.y.... in plaoe Dr .<o"Oomn..i01\, arc "o",by o..lgnod .nd shall b.p.\d I. Lo1Idar 10 .b. ..,enl 01 ,he full amount .llh. ind.b,.d.." Ih.. rem.ins unp.i~ ..d..- 'h. 1'1.... """ ",i. SeCUritY lnSItUmmL l.o1I<l" .hall .pply 'UCh procee<l' '0 .he rod..ti.. of 'ho ind.bled.... und.r tho Na.e IIlld Ibis Security In"",m.nI, first ta o.yd.linquCII. amou.l. applie<l in Ihe ord.r pr...idccl i. parasroph 3, an<llb.n \0 prepaym.nt or principal. A.y .pplle,'ion or 'h. p.....d. 10 tlla p,;nei}'1Ol.hall nal o.,..d a' paSlp.n. 'he due dale allh' monthl1 paymenU, whir:l\ are ~efer..d.la.i. paflsraPh 2, or oh..S' ,h. omolln' o! ,uch paym.n... Any...... proceed' over a. am..nt required 10 (lOY all aUtsllllldi.S inde~ledne" \lndor lho Nal. and thi. Sc:cority In.trume., ,hall b. paid 10 tl,e cnllty 1000-'ly ...illed ,h."lD, 7. Cllo.." 10 narro..o. and ProllCllon of I..nd...'. niSi,,, In lb. 1'..perlY, aorrower .ball pl1y nil govc"'mclIlIl ar m.nl.lpol chalS", fin.. an<llmposltio.. .1"t arc nollncl.ded in paragtllph 2, Barrowar .h.1I p.y Ih... obllS.lian. o. time d1...1I1'0 the ..,i1y which i. awed lbe payment. If r.uura 10 (lOY w.uld .dv."c1y arreet Lender's in.oresl in th. !'nlp.,ty, upon Lender'. ........, BorroWer .ball pro"",IlY furnish '0 1..0I,do, reeeipt. cV~dcl1~inS lhC$l: plym<:nlS. Ir IloTfOIll'Cr r.il.la make IMI. p.y...n1S .r th. paymcll" required by parasraph ~, or r.iI. ,. pcrre,'" any .,h.r c.v.nonll and os""men1S eondln.d in 'hi. S....,IIY InJtnlm01lI. 0' 'h..ols a lcS.l pfOceodi.s Il.at .."y .igntn.a.lIY arr... Lendor'. righ" in ,he P"""rlY t..ch at 0 p.....dinS In banlcruPI.y, ro, oo.de...alio. or 10 ."Ioroo law. or ",gula'ion.), .hen Lend.r may do and PlY wba.over i. ....sury t. pr.'''' ,h. vol.. of .he Property ""d Londer'. riahtsl.tI.. PrvporlY, including psym...' .11..... h...-ml incur.naa .nd nlher ile"" menti.n.d I. pa"aroph Z. Any .m....t. disburocdby Lo1Idcr ..d", 1I.ls parqraph "'all ",oom. .. addition.1 delll or Ilon'owe' .mI b. .e<1lr.d by Itu. Socurl'y lnslrumonl... Those .rriOUOl. .hall baar i...""1 f'.... Iho date oldl.bu'lOmBnl. at ,he NOle talc. ;and at 'he: option Dr Lendet, sball be imrfu!dialdy due and payable:. Barrow.r .hall p1Vmp'ly disob..p any Ii.n whieh h.. priorilY oyer 11Ii. Se.u.lIy Inslrum.OI I1n'''' BOTtaw.r: ta) .a.... i. ",rldn. '{o ,..:payment of .he obllSalion .oourod by.lh. li... I. · ma"ner l<cop,abt. In Lend..: (n) co.tests in Spad rai,h ,he lien by. or def.nd. asoinsl .nf.,oo....lor th. lien in, legal pro.eedlng. whioh in 11,. u.der'. oplni.n ap"". to p...enl Lb. ..r.rce....t of III' Ii..; ., te) ..cureS [,om tI.. I.ulder u' Ih. lion an .gte....n. Salislaolo." '0 Lo.der ...bordin.tins .h.lien '0 thi, s","r;'Y I.Slrum.n!. IIl.oll<1.r dotermi... Ih., any pa" .r 11" Prop.rly i. subjecl 10 . lien whlc:ll II\1lY atlllin priority oyer ,his SeCUrity 'nslrmncnl, lender may g". Borrower. 1lOll.. Identirying Ibe lit". ea""lVCI' .\,.n ,.,;.r1Ihe Ii.n 0' lake anc .r rriO,..r .he ..,;on. .0' r.tlh ahoY. wilhin ID d.y.."r tb. Sivlng or noli... 8. Frl:S. t.cnder mtY collect fem; .nel charges aurhorl~ 1)y l;bc Scc.rlaar')'. 9. GrosmdJ lor All!llelU'lltion of DObI. (a) Vetoult. Lender may. """op' ~ limited by "sula,ions ilS.ed by Ihe Secre,arj', In the .... or paym." dC{IUItI. require Imllledlale paymsnl in fun of aU.",,"s sec:ured. by this sec:urilY lnlltrumcnllf: (I) s.rrow.r dor..,,,, by r.ilI.g 10 pay In 1\I11 any monthly poymen' req.,red by .l1i. Secu,;'y Insuument prior ~o ar on Ihc: clue date: of lh~ nlSS.( moitt1\ly p!)'mcnl. at (ii) porrower rler.ulll by rai1il14, lor. pc,;od nr thirty day., t. perr.,n. .ny o.ller .bUS.lloos con,nl.od in this Sc~rilY TltllJUn1cnt. (Il) 5.1. Wl1h.1I1 ercdll Approval, Lender ,hall, il p.rmhtod by applicftbl. law (meludl'B S..';o. 341[d) allbe Oarll-SI. Oerm.in Depa.;,a." l.."ituclon. ACl 01 1982. 12 U.S.C. 110Ij'3(dJ) .nd wilh .be prior "l'proval ar 'h. secre...". require immedia.. p.ymen. i. rull ar.ll su,n. ....lIred by Illi. Soeurlly InSlrllmenl if: .'..,~.... " Pacl'I""" 11'1""'";~ "-4AtP"~ PoIDU,ot Boud5i2 fAot1110 ...... .. ,..~ 0,,' ~, -, o . :~!~.:~: (i) All or pan or the ProperlY I or a bencfic;jallnterO$f in n U\Jsl ownitlS nU Dr IJan of Ibe. Properl)'. is sold or'Otberwt.-c U1U1$fc:trI:d (athCh' ,Inra by dat'ire or doncnt). and (ii) 'Jl1a Praplll'ly.i. D.' o"",,plod by the pur.lI..... .r gr.nr.o a. his .r her principal residenca, or Ih. p.rcba.,., .r' .r"'!toe d..S so .CCUpY the Property hUI his Dr hIlT credit /la. 1101 bee" .ppnwed in accor4~ willa Ibe nqlliftll'ft'cnts af Ibe Secretary. (I:) No Waiver..!' c:1~llIan;ls- occ.ut'th., 'NQuld permh Lender to reqUire irnmod'ace payment it! full. bu[ l.e:nde,r ~oes nof Rquirc: ludl paYilJCtllS, Lender does nOl wlIivc hi riShts 'NUh r~pect co subuqqent ayenu. (0) R..ul.ti.... .r HtlD Secrclllt)l- In many circums.UlCCS rosul'Li_ issu.d by lhe SecllllDry will Urni. Lendor'. fish". ;p ,b. ""'" cC p.y...... d.r..lts, 10 /<qui", bnmeolillc paY1JlJll\1 in filll and foroclo.. ir nD' pIleS. This 5ecUii1)' .lnSlfllmcnt. does noE aulhDrize ac:clI:lleration 0' foreclOSl,lrD if hol pcmn;t~cd by tecul;ations Dr..h. Sr:c....'Y.. . (c) M.rtgaga NOII_l'llo. !Iarrow.r agice, lhallf Lh;, Scc:urlly In.llIImonl antllh. NOlo arc aal dOlurmined la.be unglbla for IMU"",O.undct diu N.donalll.usia, Act \Hilbia UO c10ya ftom lhc dalo lIeroaf, Lender may. Al il. "",ion, ..quin immllllla.o. paym.nt in fUll of .11 ..... .....n:r.I by thl. s..urity Insl",mtnt, A written. sfillrcmeJlt of any aUlhari_d ..cnt of &he Soo~ary_ dated lublequcnt to 60 dq,ys from 1he- cftlll!~ hereof. d..llnInJ 10 IlIIlire llIil'Sr;c1Irily I..lrum""l and Lbo NOlO, .ball b. duemocl conalusi.a p",af of .uch inIllJj.ibl1lt)'~ N'olwhhsiA1Idlng thl! foRgoinl, tbis option mny not be clC.crdscrd by l.t:ndef when lhe u~ajbbUJty Df inJUtafI<lC; is solely due tD Londcr's failure to renllc a morta.aAI!: inSl1fftl'1ce pl'6mium to the Secrelary. . lO~ RclMtIlIAMwt. Borrower has.. debt Ie be, reinstlted JI Lender balli m}uired irt'I1'ncrli.ale paYlntnl in FuJi bccauee of Borrower's 'ail".rc,to pay an amQunt due tinder the NOli:; or _tblS S",urity InSIl'Ilh'e:1t. Thts ri&ht i1I'plies even aftcr.foredosuce proceediftJ. andn,'itu1ed. To.reinl'tate tbe S<<urily IIlIJtrV-'nel'lt. Borr,oWer .tbllll rtndor- in JJ lump lIum .u .mwntii rC4wre4 to bring Doriower'& account currant IflCludinS. 10 'he tlXtcnl Ihey are: obligations oC Dotrower under tbls Security In.numcnl. ro",=losurc: costs and ~.lIQnlblo and C\1sRJmary aUomer" fecs nlid eillipcnscs, p,Dperly assaclato<l WillI Ille rorcelasure plOccodiag. Upon reinSlRI""'..t by Borrower, Ibi. S..urlty IM.,umen' .nll Lh. obli.a'ianS \h.1 i. .............11 'remain in .a..t a. if Lend.r hacl nol roqui'.d immediRle paym.1Il In 1'1I11. H~we.vor, Lender ilii not Rqu~ to permit n:iNtatemetll if: (i) Lend<< has accepted rc:insnltement af'1er lbc comn~l!InCcmGllt af roreclasuA;: pracc:edin&s within two years immttlialQly preceding the: cornmencemenl of' a -curr~nl foreclQlure protccdin,. (ij) reinJJaJClJ1CllJ wjJI pteduac fon:closurc On different Btounds in the rl)l~rt:. or (iii) reinslatement will adversel)' affect Ihe priority or the lion crc21tcd by this See\lrlry Inscrumtm'. U. POI'l'O",r Nat Relaued~ FN"haarallcc By Lender N'at 4 Woi.er. !!xlen.ian of lhc Hmo of pa)f.ncbt or modification of amoniwion of the sunu .secured by this Security In$lrument granted by Lander (a an)" SlIC13:110r il\ inlarest of DOrTOwcr mati noc opemc co rele.set the Habilitr of the originar Don-owcr or BOl1"'wcr's 5Uccc.w:Or ill interelE. I..cndcr ,ball nOl.be rtquii'Cd 10 commeiac:e. proceedlRJI iJaBinsl Iny SUCCGslCIt in in~arost of refulIo 1a extend Urn;: tDr paymon, or otherwise m~ry omoniu~an of the IUms secured by this Sec"rilY rftltl'lll'tt~nt hy rcnson of an)' d.mancl made.by th. origi..., Barmw.r or borrower'. .ucocssors l~ in........ Any r.'~rancc by Lenll.r in ...",Ising :\~y r,,,hi Qrrcmccly .hall J\Qt be. waiver of or precJ~e IbDcxexiJe of1lrty riGht or ramedy'. 1.1, Succ:1lCSOl"I dDel AssiJns Bound; JDint .nd SLWerol UobiUly; Co-$tgne.... The; w"c:nanrs and Agrecl11cnl.s of 'his sec"'tilY (IUItrllmlllm: mall bind and benefit the. sucx:tlso(s and. assi&fts of Lender llI1d narl'Ow~r. 511bjcef to ll1l: I'",.i.ionr of poragl'/lpb g(b). Bor",_'. eo....."".. end _....1lU .hllll b. jDill' and ...CflII. Any Jlatra..., who CO-sigD' this S",,~rlIY InslrumeDI b~l. doO$ n.. ....ul. IIle Note: (aJ is ....igning 11I1. Sccllrily Inslrumet\t only'. monlaBIlI. IJI"UIt and' coftvey r!ult8grruMr'. lnferar in dtc" Property under rhe terms of [bi, Sect.rrrly 'nJtnfmc:nc~ (b) i. nDI per.anally obll&..cd to pay th. .u,", ..""",d by Ihis Securhy 100'",lI\Onl; and (aJ agrees Ib.1 lend.r .nd a.~ otber Borrower may aaree to .,.,.t~cf. modifY I forblJtal' or make IIn)' llCCommedndons With resal'd ED (h~ ,c:.rmtl of (his: SceuriEY Instrument 01 OJ, Note wiUaout Chll borrower', conSent, ~R('Al"8ClII1.Ol r.;t< 1 ol"' fl lIUll~'S:#fi--~ :~ ':" ~., ,llOod512~d1U '-'if >" -" o o 1]. Notices, Any DoH" 10 Bo('(Owcr ptoVidecl tor in this Securi~)' Il\su"men~ shan bu given by delivcring it ot by maili~. i, by Iir.1 clWIl\&U .iII... .ppli<lbl',I.w .....ires ~,. af anol~.r mllhod, 1'h. noli~ .hall be 4i..e..a 10 lh. Property AcltI"", or ."y .Ib.r odd.... B.rrow" aullo.l.. by o.liee to LelId.r, ^D9 nallc. la LcIIcler s~.lI be givelI by fltSl el... mail 10 Lend....s lI!Ia..... s..,OII h.",h1.r IfI9 oddr.., !.onder d..i8~a'.. by no'iee to Borrower. Any n.llet: pmYidcd for in lhi, Security. !nstrUinonl ,han be deemed lD hivo been given '0 n.rrower or, Lend.. whon liven .5 provirJe4 In thit pualraph. 14. G.vernlng Low; S.n....blllly. Thi. Seeority In"llImon,sban be go..rned by Fed.",lla" ..d ,h. low of Ill' jurildiclion i. .....hleh tho PrOpcflY is locatod. In lIIo ....I thl! *"y p",.!.jo, ar el.u.e af rbi, Seeurilr'nstromenl or the NOle co.nicU wilh appllCllble I.w, such conlll.. shall na, afr.cl other provisions af 1hl, SecurilY Insllllment or tbl: Note ",hjch can be Jivon e!fOQl without tbQ connictil'B provision. To chi. cnd lhe provisions of this Security lnSlrtUll.nl ontllho Nal< ... deCIoml I~ be .......ablo. . 18; Damn'"'' CoPy. Barra_ sball be ai.en .n. confo..."od cof'y of tile Note and of II';> SeeurilY InstJUl\'\tl'd. . Ui. JbZQrcJous Sub$C.mxs. Borrower shall not qJ.Ulf! or permitlhe presence. un, di'pDJaJ. Ilora;e. Of r;.lcase .r any 1I....dOlls Subs\a!lC" an or iBJhI' prap...,. Barraw" .hail "'" d., n.r .\low..y....I.. 10 d.. anylhing .rreed.. dr. prapeny, thol II bi,viol.'h....of any I!nvIto.....tal Law. Tbo prccodinQ lwo ...Ie.ceo .110\1 aot .pply to the presence. use. or stotage' on ltie Prapctty- of small qUa1Ilicles of Haurdaus S\\bltan= that arc: generally ..cognized I. ... appropriAlo 'a nonnal reoldcnUal uses and to maialDl1anoe 01 ~l. Property, Borrower lJ$n promptly- give Lender wrineIi noliCG gf al1)' i1'lvesligation, claim. dc.mand. I.wllutt or o_El'cr aclion by any lovernmcml.' or teAlllillary aSlIl:nay or ptlvate put)' invalviDa the Proper1.,. and._ any Hazardous Su'bsIRI1CC, or EIlVlTQnnnta,l La.w of wldc:h IlorrD\Wr hU lemal knawlccl.ge. It Borrower ICl.ms, 01' Is nodned by 7JtI.y g,overnmc.nll\l ar rcgula10ry Dudtoril)'. that any remaval or goO,er remediation of any Huardaus Substal1ces affecting' Ihe ProperLy i.s ncall"", llorrowor sball prompdy .... .U ._.ry rem.dial .eti... in accar<lancc will, l!nYironm..,al Law. As us<<l in lbts paragroph 16, .H...'d.... Stlbslan.... aro ,b." substance. defined a. IOziear ~e...rda.s SubSlarJW by EnvirODmen'" Law and lh~ ..CallowJJtI IUbstlU'lCle$~ IB$Otine. kcrose;.nc:, (llhoT {111n1r'l'&able or tDKic pelrol..... prod..... lo,i< pesticides and herbioid<.. ..lalll. 101..n... mOlerl.l. eo...III;na n,beslOl or rorm.ldehyd., and radi....i.. ...'erI.ls. ,A. u.ed in "'i' par.grapll 16, 'E..han...n',1 Law' mea.. fedenl low' and law, of lho jurisdiclion whtre Iho propeny is loeatec1lbal DIlate to healtb. alftly or environmental pro,cCtien, NON-UNifORM COVllNANTS, norrowe. and Lcl\de. 11111hcr e..ct\IIIl' .nd 'aree.. rollows: 11. Assi#I'IMDllt or Rents,: 8Qtr(1wer uncondlc,ionally "$i.,.ns omd trans fen to ~ndet' aU the tents and rcvenue..~ 01 the p~ny. SorruWet lILulhoriza LoendOr or Lender'. agenll to col1eoi. Ihe rents Md revenllcs and hc:n;by direcui I;QCh lc::natU ~f Ibe Ptoperly to pay Ehe rents to Lander or LePdel"s l.en1l. Hawcvc:r, priQf liO Lender', notice 10 Barrower of Domnvcr'5 btstl1 of my covcnanE at agreement in lI'le Securtty [nstrum~t. lJal1'QWCJ' shnn co1lcd and r...;'. all ruds and r........ of tile Properly ..' ",..\CO for l~. hencli, of Lender ond Borrower. Thi. lIS$i8nll\Oll' .f fents colliticvICII an llllllGOlute- IWlgnml;J\C lAd not an assisnmcnl rot addillolllalseoCurlty only. II LelIde, 81." ..11.. .f bleach 'a Borrawer, ell III _Is rec:.jved by Borrow.r shall be held by llo,",wor as truslee fof bc;l1CIfillllf I"tdIder only, 1.~ ~ a'ppUed to ~he Willi ,.:cURd by the Security 11lltr'\lITll:nt: (b) Lender shall be eo,hled 10 call'" ami l<COiv. .1.1 of I~.,,,,,,,,.r Iho PropUly: and (e) each lenon' or the property .~.II PllY all ren'. due and unpaid 10 Lend.r or Lender'. 'Soill on LCndo,'. wrilten demand t.lhcIOlla.'. . Burrower bu nol QICllled any prior ossIlnment of lb. rents and has nol I.d will nol perrorm any ael lb., WOUld p,e.en, Le.d.. from ...rel,;n, il. ril;blS UlIder this parl,hph 17, Lender .hall not be required-Io ente-rupan. taka contral af or mainl"in Ih~ Ptapeny befora lOr nfccr gl~nlJ RoUec of breach to Borrower. However, Lendcr or a judlt:lally appointed rt:Qcivcr may do so at I'lPy tilllle there is A breft.eh. Any applicatioll or ran~s shallllOI (:urc or WllYt: any default or invalidate all)' olbaf right pr rcmi!:dy or Lendc(. This assisnm.nt of' rc:nls of the Pmperty shan terminate when the debt secured by Ihe Security Instrument is paid in ru~l. , ~RCrAlI11Hl4LOl f'ou~....la lnlli."lpe;"'~"" ~ood512 IAGI1112 '-0 J~~ ~~ ] 1- - -~I ~~. c o ! I. For<<ladre Proeedllft. It Lett4e:r nquires IMmediate payment if} run undor paragmfJb 9. Lender mAY rOf4CIO$e Ihilt Seourlly Ibslrumenl by Jlldid.1 pr_edlJlg. Londer .baR he oolllled 10 eolleot nil ..pen... 11I".rred I" pOl'$Glng lbo r_... "",vlded In Ibl' I"'ta."'pb IS, Inol.dlna. b\llllot litftll",lo, allor"o;.' r... .nd coSIo ot ,"10 ..Idon.... If th. Lender" interest 10 this Security 1..lru",.,,1 Is held by tb. Se...1aJ'l' .lId 'h. S.......". ..,,,,,1... lnomedl... ""ymlDl In run u.der l'arag....ph 9. the S....lary m.; I"voke tho nOl\ludlola, pow.,. or '01. provlil""" lb. SIIIIIo Famll; MOng.ge Fo....luSllrc Au 01' U94 ("Aet"IIIZ U.S.C. 3751.,soq.l by Nquooti.C . r......I....'" """",IStI..er design.'ed ilod.,. tho ...., 10 ""mm....., r....I...Jre a.d 10 ...n II.. I'....p<l'l; OB provldod In lho 11<1. NolhlJlg In lb. pr_dj., s<PI_ .boll deprive Ih. SL....I.'; of an; "Ighl. olbenYI.. .nilnb'" to. Lender undor this .......mph is or.pplieoble'ow. J9. iteleo.'le. Opoo pl\Ymenl of 011 su,", .....'od bylhi, S...,lly JOIIN...nt. lhi, Seeu,ilY In.',,,menl ."d ,ho C$le'. Convoyed .hall terminate aM beoomo: void. Meet sudt o~u""""", L.nder ,haU diO<lulrga end 'e'i,ry <hi, So<urlW In.flUlllI/It willlo"" eha'go 10 Ilonower. :aor,ow., .haUI>>Y any roc:ordAtloo "'". 20~ Wa.\'en. Borrower. (0 (he: Ufent permlnf!d by .ppliab:\e law. waiVQ$ and Rlleasu In)" error ot d~rec(s it'! proceedinp 10 cur.,.o Ihi, Scourll)' InsllUmcnl, Ind 1I<,"y we;ves lh. lmlen, of any p....... or luluro I.IV. p,,"vidin. for Slay of eA1=QUllio~ eXknsian or time, 8xI!lmptil:lh from attacbrncml.. leVy at'ld lIale. und hOmestead eXl:mption. 21. f\tin.stah:tment l-etlod. DorRl'wer1& lIme 10 reJnsuuc _prov;dad in parllgrllph ID shall oJClefKl ID or<<; lIoter plior ~o the conUZlcru:e.mc.nl of bidding ill " shoriff. ~ale Of olber $-ale: J)\1T!W al\t , 10 Ihis 5cOJriiy h'lstrument. %2. I'urth... Monl)' Mortgage, If any of Ih. debt .oo,...d by 'h" Sec\l'hy 'nstrulO.OI i. len, I. Borrow., t. >aruirco lill. fO lhe Prvperly, 'hi. Scoutily In"",.,.ol shllll be a pnJ'dllse .,anO)' mO"g.ge. 23. fnter-cst RAte After J'u<lgnumt. borrD\Ner agretl$ (hill lhe- inuactc rale p.yablc nrtcr RJud.~mcl'\t is ctllercd on the Note arin Aa. nctiollofmortg*S,8 fcneclosureshall be chI: rate payabJe rrom li~ (0 time under the No(e. 24. Riders to this Sec1l11t)' haS'C'fV111tbt. If one or mon: riders are Q:EteI1le4 by Borrc:nver Emd rec:orr.1ed logelbcf wil1l1bia Security Insl"'lm=t. the QJYCl1unlS of eacb 1\I~h dder shall ~o incotporau.-d into Md mall ambnd ;jnu suppJerncnl file cqvcnltlll. ~ agroemeJU or rbiI' Scc4Itity Jnslnuncnt u if lhe ridcr(.s) were D pitN of thi:t SllC\IrilY '"alll<N' 1000c:Ir IppJittlll. box(es)). O>.doll\inlom "ider B atowi.QEqllilY Rider 0 Oth.r "p""ir)'l PllIIJlIcd Uoi! /)0..1"1''''''' Rider Graduored Peymo.r J<ide, ,. ~-4RCPAI "-"J.OI rap 7 "It '''''''~ .800K1512 PAGtltiJ .. T. ~ o o /."I;~j,.....~- BY SIGNING BllLOW, BorroWCr a=pl. and aareos 10 lb. t..... ..n'"ined in ,hi. S<C\1Til~ In"fUlnen< .nd in 1\1'1)' rid.cr(.) exccuted by Borrower and recorded with it. Witt'lI!rSSCIl: 9 _~'JL/ n.1~~ (S..I) .DottoWC'f (seal) .gatIDwcr (Sesl) .l!llllna.....llr (LJr~' J#e~-~. Bentz. (S..\) .ponuWllr (S...I) _tJOI'rawer (So.n .Do,ftIw.., (Scnll .1IUlnIWI!'i' (S""I) _DUfWWllT CcrliriCtltc: or Ruklcnee I, Kimborly Jo lh~ wilbin-named Lender b; lIowell . do hreby 'ortley thll~ tllC COJTcCl addtm of P 0 Sox 291S4 Shawn.a Ki..ion. KS 66201 .......,,:"ii,~j;. ",\~::",:;;,:, ", '-': '.If..~l~~ '-0'..:.;,'1.;.. :"f,' '~.:, :: .::" <~!A:"?', known 10 me (0: sath~rat jl ..PJ'OVC:~) to l;)cl'~\'~\; 1'01'.011 whose name i. ""bscribed 10 the wilhin in'l""".n. ond ac~nu"'l.dg.d 'b. ' ~' ~E' ", " :, ~~~ : ;. ..ecu.cd lb. ,,,,,,. ror .h. pUIJlO'" h.r.in ..ntained. " t~j'~k:, ".., ::1!t"'..;:i. IN WITNESS WHl!ll.Jl.OP. 1 h,,"'hIO ...ltI}' hand and offici.! seal. 'i, ~ "';~::~';'~,.::;l:;;~t~'~~l My CommisslDh 6J<pirCs: '. . ,.,.'~:.:.,.,: ","}."t ;.:,:' ........'ti;..;./o 1Ikl'a1l1l$1III1 ~......,...,; JutIiIIN."O'fO"~~Pll1'll'lc: ::1_ f"i.ll-. WfS' Lwnpcd''TWp., L~er coulllY NV CIllftlIlblltlT' EJP1l'AS JuIoI29. ,,.. Member. ~nItI ASSQ(:IIUQnd Nmali<tfi WilncsslllY hand Ibis 22~d doy of COMMONWEALTH OF PENNSYLVANIA, Onlhi$. personalJy appallred ..1"net F... EJen1;Z 22nd d., of oecember ~"'RlrA.I"~I.OI -" 7'F""'.~' . noc.mb.' 1"a j),/'/'I,.Qx.{22, t.},-db-{.~J.A.. ' c I Aai:nlaft..=ltdcI Cumberland Coulll)' SS: .' 199B , beroro me, 1119 undCTsigned o!fiCC!r. 111 t!-h,~ TillCtlfOffirtr p'llIl (1111 6ood512 fAGd114 . ~~ 'i , .V '0 NOTE PI No. Multi.late 441-50;36001 DeceMber 22nd, 19~a IDate) IJoan 10: 27.69889 103 Cedar Ridge ~ane MechanicsbuI"g A/KIA Upper Aller:t 'l'wp, PA 17055' jPTOllerty ^dtlre~~l 1. PARTIES "Borrower" means each person siglling allhc end of this Note, and the person's successors and assigns. "LendcrM means Corinthia!l Mortgage Corporation and its succe.o;;sors and assigns. Z. BORROWER'S PROMISE TO I'A Y; IN'rEREST In return for a loan received from Lender. narrower promises (0 pay Ihe principal sum of One Hundred Eight 'J'hou$and,51)! JlulJdrfld Sixty Onf!t-------- Dollars (U.S. $ 108,661.00 ), pills interest, to the order of Lender. Interest will be charged 011 unpaid ]lrincipal. from lhe date of disbursement of ,the IOalll)TOcccds by ~cndcr. at the rale of Seven percent ( 7.000 %) per year until the full amount uf principal has- been paid. 3. PROMISE TO PAY SECURED Burrower's promise 10 pay is secured by a l1lorlgnge, deed of trust or similar security instrument thm is "'<lIed the same date as this Nute imd' called.the "Security Instrumcnt." Thc Security Inslnnncnt protects the Lender from losses which might result if Borrower defaults under this Nole. 4. MANNER OF I'A YMENT (A) Time Borrower shaJJ make a payment of "rind!,al and jnlcrcsl 10 Lender on the firsl day or.eneh monlh beginning on February 1st 1999. Any principal and interest remaining on Ihe first day of January 2029 , wHJ be due on that date, whicJI is called the "Maturity Dale." (n) .-llIcc Payment shall be madc at 5"100 E3ro<')dmoot"', suite SOD, Mission, KS 66202 or al such plncc as Lender may designnlc in writing by notice 10 Borrower. (C) Amount E.,clt monthly payment of principal and illtere.'1t will be in lite amount of U.S. $ 722.93 . This amount will be part or a larger 'monthly payment required by Ihe Security Instrument. that shall be aJlplicd to principal, inlerest and olher items in the order described in the Security In~trument. em AlloIIll:C to this NfJJC rnr ,mymt'lIt ndju.'ifmcllts If an allonge providing for ptlyment adjustmcnts is executed by Dorrower together with Ihis NOle, Ihe covenants of Ihe allonge shall be inCQrporalcd into and tihall amend and supplcment Ihe covenants of this Notc as if the allonge were a pari of this Nole. [Check applicable box) OGradualed Payment Allonge DGrowing EtJuity Allonge DOther (specify) 5.IJOIlROWEIl'SIIIG"T"-OI'II/!I'AY Borrower has Ihe right to pay the debl evidenced by this Note, in whole or in IlOlrl, without charge or penalty, on the firsl day of any month. Lender shall accept prcpayment 011 other days provided thai Dorrower pays il1lere~1 0I11he amount Jnclmid fur the remainder of the month tn the cJttent required by Lender and permittcd by regulations of tIle Secretary. If l1urrower makes a partial prcpayment, there will be no changcs in Ihe due date or in the amounl of (he monthly payment unless Lender agrees in wrilJng 10 those changes. ~ nlA Mulllstllile Fixed Rate Nole - 10/95 ~.lRI!l80ll-01 lp VMr MDnTGAGE fORMS -18001&21_1291 0 ~ A' P'lII'tol2 1nI1Ial1l-rt:.C:.J ~:Iff ~_c,~ ., -~"~ ~-, -' e C 6. nORROWEIt1SFAILUIUJ:.TOJ.AY (A) Late Charge for Overdue l'nymcnts If Lender ));t.', ,Wi received lhe fullll1()J1lhly payment rCljuired by the Security Instnuncnl. as described in Paragraph 4(C) of this Note. by Ibe end of fifteen calendar days after the payment is due. Lender may collect a latc charge in the amO\lnt of Four JJcrcCnl ( 4.000 %) of the overdue amount of each payment. (8) Ilernult Jf Borrower defaulls by Jailing 10 pay in full any monthly payment, then Lender may, Cx.ccpt as limited hy rcglllalions of the Secretary in the case of tJaYl1lcnl defaults, require. immediate payment in full 9f the principal bahmcc rC1l1nillin~ due :md nil accrued intcrc.'ll. Lender Play choose nullo exercise Ihis option wilhonl waivin~ its rights in the evcnt uf any s\lb~c(lucnt default. In many circumstances regulations .i.~sucd by the Secretary will limit Lender's rights to require immcdiate I)aymcnt in fun in Ihe Ct1SC of pAyment ddaults. This Note docs 110t authorize acceleration when not J>ennilled by HUD rcgulfltions. As used in Ihis Notc, "Secretary" II1Ci\l111lhe Secr~t~ry nf IlulISillg and Urhan J>eveh)l)lIlent or hi~ or her dcsignee. (C) J'aYlllcJll of Co...I... nJld J~pCJiSC8 If Lender has re(luircd immediate paymcllt ill full, as described abovc, Lendcr may rcquirc Bor'rower 10 pny cnst!i amI expenses jncluding rensonnble nnd clL~loJJlnry :Jllorlleys' fees for cnforcing this NOte 10 the eXlent not Ilfohibitcd by applicable law. Such fees and costs shall bear illleresl from the date of disbursement at the same rate as the principal of this Note. 7. WAIVERS Borrowcr- and nllY olJler person who hns oblifCnlions under this Notc waivc the riglus of prescntment and notice of dishonor. "Prescntment" mc.1ns lhc right 10 rC(luire Lender to demnnd p:Jyment of amounts dUe. "Noticc of dishonor" means the right to require Lender 10 give notice 10 oilier persoJls IJml amounls duc bave nol bcen paid. 8. GIVING 01' NOTICES Unless applicable law re(luires n different 1l1elhod, any notice Ihat must be given to Borrower under this Note will he given by dcJivcring ;1 or by mailing il by firsl class IJ)nj! 10 Borrower at thc Jlroperty i1dtlrcss above or al n differCJII atldrc.o;s jf Borrower has given Lender a notice of Borrower's different address. Any notice Ihal must be given 10 Lendcr under l.his Note wiil be given by first l;lass mail to Lender at the address slilled in Parilgraph 4(B) or al a different address if Borrower is given a notice of that different address. 9. OBLIGATIONS OF I'ERSONS UNDIlR TillS NOTIl If more than onc person sigll,) Ihis NOIC, each pcr.wn is fully and 'lcrson.llly obligalcd 10 keep all of fhe pmmisc... made in Ihill NOle, including Ihe prmllilic to p:JY Ihe full :Jmo1ln! owed. Any person who i!i II .guarantor, surely ,or endorser of thili Nute is also oOlig,11cd to do tbese Ibings. Auy Inm~im wbo lakes OVer these obligations, including lIie obJigations of n guaranfor, surely or endorser of this Note, is also obligated 10 keep all <?f the promises made in this Note. Lender- may enforce ils rights undcr Ihis Nolc a,!ilninSI'C:K'h I'crS{lJ) imJivldunJJy "r nll,nillSI all ...iJ:lUnloric... IlJgclhcr. Any nne Jler!iuJI signing tbis Nnlc may be rc'lIuircd 10 lmy all of Ihe al110UllIS owed under this Note. BY SIGNINU BELOW, Borrowcr acccpts and agrees 10 the terms and covenants conlained in this Note. ~z~, Jan E. Bentz ~'-n. tV / rlll f Sf. ~17 if)j/ (Seal) (Seal) .O",rowe, -Pn'IOWet (5..,1) (Scill) -lJurnlwer .JJturl,lwer (Seal) (Seal) .tm,rowe, .fj",mwet (Seal) (Seal) .nOlTOwe, .IJOUtlwtt Pnq.y2ot2 _ -1R 1961Hl.Qt ~ ,~ _e. . '" Certificate of Residence ~(l~dress o{Jrantor , Document Prepared by: Wh d d . '1 to DIONNE D. MCMORRIS en reear e Itw : CORIN1mIAN MORTGAGE CORPORATION 5700 BROADMOOR, STE 500 MISSION, KS 66202 DIONNE D. MCMORRIS Project BKMARGB2 Assignee Loan #: 2269889 Assignee Loan #: :2006346759 Investor #: 'Pool iI: ' Property Address: 703 CEDAR RIDGE LANE MECHANICSBURC 1,5 <::8 '\ (L, J IRrJ f"J C"("~^. Vi..) i.. Ii I ~:, "J r:' "',' I ..". '. j f ". I!\ H EO 0 R [) (" t~,' ;'1" .j~:LE":D .'UMBE - "0 .it ,. S -RLAND COUN-I v_ '" I I ,t,\ '00 JUN 12 . An H 3~ 00481276CD PA 17055 ASSIGNMENT OF MORTGAGE For good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, CORINTHIAN MORTGAGE CORPORATION, A MISSISSIPPI CORPORATION whose address is 5700 BROADMOOR. STE 500. MISSION. KS 66202 does by fuese presents hereby grant, bargain, sell, assign, transfer, convey, set over and deliver, without reconrse, unto BANK OF AMERlCA. N.A, the following described mortgage (the "Mortgage"), together with the certain promissory note( s) described therein (the "Note( s )"), together with all rights fuerein and fuereto, all liens created or secured thereby, and any and all interest due or to become due thereon. State of Recordation: Pennsylvania Recording Jurisdiction: Recording Book: 1512 Page: 1107 Document No: Recording Boola: Page2: Document N02: Recording Date: 01-13-1999 Recording Date 2: _ __ Original Mortgagor(s): JANET E. BENTZ, A SEPARATED WOMAN Original Mortgagee: CORINTHIAN MORTGAGE CORPORATION Date of Mortgage: 12-22-1998 Origina! Loan Amount $108661.00 Property Location: UPPER ALLEN TOWNSHIP Tax ID #: 42-24-0792-001B Comments: LEGAL DESCRIPTION (SEE ATTACHED PAGE - IF REQUIRE The Assignee hereby certifies that BANK OF AMERICA. NA 's precise residence is 475 CROSSPOINT PARKWAY. GETZVILLE. NY 14068-9000. IN WITNESS WHEREOF, the undersigned entily by its Board of Direc s or by all due authorily has caused this instrument to be executed by its duly authorized officer(s), representative(s) l' tto in-Fact this 03-01-2000. DATE OF TRANSFER: 03-01-2000 By: Williess ~~ ~:~: <:b. IA.A, -^-^-. '::) Name: Williess D. MCMORRIS Title: State of KS County of JOHNSON On tlris, the 03-01-2000 , before me, the undersigned authority, a Notary Public dilly commisssioned and qualified in and for the State aud County aforesaid, personally came and app eared R. SALTER ,address being 5700 BROADMOOR. STH 500. MISSION. KS 66202, pelSonallyknown to me, who acknowledged herlhimselfto be the SR VICE PRESIDENT of CORINTIHAN MORTGAGE CORPORATION, A MISSISSIPPI CORPORATION, and thatslhe as suchSR VICE PRESIDENT ,being duly authorized to do so, executed the furegoinginstrument for thepllIposes therein contained by signing the name ()fthe corporation by herlhimself as SR VI CE PRESIDENT. In w.' s wh reef, her to set my hand and official seal. .' 'l This space for Recorder's Use Only CUMBERLAND Certificate No: Certificate No2: Ward Number: R: SALTER ~~ D. STEPHE S ASST. SECRETARY t J. LITVAK Notary Public State of Kansas " . . ~~ N * My Commission Expires: 03-20-200~ . BOOK S4fj PAGE ~71 ;'111 .. , All THAT CERTAIN piece or parcel of land situate in Upper Allen Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to-wit: BEGINNING at the point of intersection of the northerly right-of-way line of Cedar Ridge Lane, a private street, (50 feet wide) and dividing line between Lots Nots. A-2 and A-3; thence along said dividing line North 31 degrees 56 minutes West, a distance of 85 feet to a point at the common open space; thence along common open space South 58 degrees 4 minutes West a distance of 24 feet to a point at the dividing line between Lots Nos. A-I and A-2; thence along said dividing line South 31 degrees 56 minutes East a distance of 85 feet to a point on the northerly right-of-way line of Cedar Ridge Lane; thence along said right-of-way line North 58 degrees 04 minutes East, a distance of 24 feet to the point and place of beginning; being Lot A-2 on the Final Subdivision PlanforCectili' Ridge Townhouses prepared by John C. Brithart, Surveying and Mapping Services, as revised on January 15, 1978, recorded in the Cumberland County Recorder of Deeds Office in Plan Book 32, page 73. BEING THE SAME property conveyed by Rocca A. Ortenzio and Nancy Ortenzio, Husband and Wife to Janet E. Bentz, Single Person, by deed dated 5/24/94 and recorded 6/6/94 in Cumberland County Recorder of Deeds, deed book volume 106, page 612. HIVING THEREON ERECT a two-story townhouse dwelling unit known and numbered as 703 Cedar Ridge Lane. PROPERTY ADDRESS: 703 CEDAR RIDGE LANE, MECHANICS BURG, P A 17055 BOOK 646 PAGE ~72 , ,~, "..,.... ~..,~ "j-- , *, , . ,'l}J!l ;;::v.() ;;:: tl1 ~ () tl1 > -"0 > ~ 0 ~ '" ~g~ F 0 ;0 00 -tl1Z ;<: ~ 8 ~;o-l ~ 0 Z " o;c '" ~ ;;:: ~>- > ;; ~ 0> z;;::z ;;:: z 000;;:: ~ ;;:: 0 >00 ~ 0 '" "';0;0 ~ ;0 '" - -l '" "''''Q Z > '-'C> > t-< S=io 1> Q '" tGmtn '" '" ...v.() () -l ~gO ~ ~ ~ '" 0 0 ;;:: ~ ~ 0 -l ~ ~ 5 Q Z > Q '" I HEREBY CERTIFY THAT THE PRECISE RESIDENCE 01;' BANK OF AMERICA, N.A. IS 475 CROSSPOINT PARKWAY, GETZVILLE. NY 14068-9000. WITNESS MY HAND ~S ~CH 1, 200~l' . r t J. LITVAK' \ Notary Public' ~ State of Kansas . J. LITY. , NOTARY PUBLIC . ~ MY ISSION EXPIRES: 03-20-2002 ,. .~2'#)_.__._.State oll'e;:nsYlv~::L. . ~!,.! . ~~~;l~7r;~ftice 10' t~erecordi-rigOT1WJOr------ .:. eet. in and fo, Cumbllrland County, paj7/ i~..J. Book~ Vol =- Page . . \Nitn~~$ my hand 8['d sfM.l.t:/ olflce ~ . ..l2 c.' '^ar\\s\e PAthlS C2:::.~- _dayel .z A. ...., --.---u.. .,. A 7<'Y'<"". aarr BOOK 64fi PACE ~73 .. - (~fI-\ L J -<(tBt" o EXHIBIT A ALL THAT CERTAIN PIECE Olil; PA1\CI!\L OF"LAND SI'l'UATE IN uppEl'.. ALLEN TOJINSHIp, CUMlIEllLAND COUN'rY, pENNSYLV1\NIA, MOB pAllTIc:llLABLY BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT: BEGINNING AT THE POINT OF IN'l'ERSEC'J!ION OF THE NORTHEllLY RIGHT-OF-WAY LINE OF CEDAR RIDGE L/lND, A PRIVATE STBET, (50 FEET WlDE) .AND 'l'HE DIVIDING LINE BETNI!:EN LOTS NOS. A-2 AND A-3; THENCE ALONG SAID DIVIDING LINE NORTH 31 DEGREES 56 MINUTES WEST, A DISTANCE OF 85 FEET TO A POINT AT THE COMMON OPEN SPACE; THENCE ALONG COMMON OPEN SPACl!: SOUTH 58 DEGIlEES 4 laNUTES WEST A DISTANCE OF 24 FEET TO A POINT AT THE Drv:rDING LINE BETNI!:I!:N LOTS NOS. A-1 AND A-2; THENCE ALONG SAID DIVIDING LINE SOUTH 31 DEGUES 56 laNU'rES EAST A DISTANCE. OF 85 F1!lET 'l'O A POINT ON THE NOR.'rHl!lllLY RIGHT-OF-WAY LINE OF CEDJIa RIDGE LANI!:; THENCE ALONG SAID RIGHT-Or-WAY LINE NOR'fH 58 DEGREES 04 MI,"().,,,,S EAST, A DIS'fANCE OF 24 FEET TO THE !?OINT AND l'LACE OF BEGINNING; BEING LOT A- 2 ON THE FINlIL SUBDIVISION FLAN FOR CEDAR RIDGE 'fOWNHOUSES PREPARED BY JOlIN C. BRILLHM'f, SURVEYING AND MlI1'PING SERVICES, AS RBVZSED ON .nINl1ARY 15, 1978, RECORDED IN THE CUMlIERLAND COUNTl!' RECORDER OF DEEDS ORZCE ZN PLAN BOOK 32, PAGE 73. HAVJ:NG THEREON ERECTED A 'l!WO-STORY 'fOWNHOUSE DWI!:LL:ING UNZT mOWN AND NIlMBI!:llED AS 703 CEDAR RIDGE LANI!:. "'''!', v IIIIIIIIIIIiIII "... , ... . o o 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 pQlJion 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 Plaintiff in 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 & Hoffinan, P.A., 1020 North Kings Highway, Suite 210, Cherry Hill, NJ 08034. '<,- . r~ '-II -..l ~ "< "- '" ..... " ",- 11_.. ~1!"'!I~.Jfiljil~~",-_,~_~ o ~...... ",- " ~~" r'~~ ~ ~~j"l \~tli;J C") C <-~ -061 rnf',--! ~!.{[: -<4 ~'C.~] ~'c-'-" ~(-) PC': 2 ~ ,"- . . .. , <::> D L. S -~ (.0 o o 'n -,.., -.-:j;, ',:::J J:~ -'I'" -;.~ <c:) " ...., C; 'i ~:c_, ;- f1 '.,..1 :;"'1 ::0 -< G ~ "" .. -C ?\ ~ .<;. 0 d ~ Cl t r J~.~l'!Ijjl..~~",w"'<W"''3:m;-~r;~~;~To;1f',''!;,-nM1#"~~~.!~M<<!i~'!li,"1<'i'~W'H'~'''''iH',Wll}j:i1!!'~," . ~ ~mft!~ . i (~~;~ 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. : 2006346759 BANK OF AMERICA, NA PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. NO.00-4679-CIVIL JANET E. BENTZ DEFENDANT ACCEPTANCE OF SERVICE OF COMPLAINT IN MORTGAGE FORECLOSURE I accept service of the Complaint in Mortgage Foreclosure on behalf of JANET E. BENTZ and certify that I am authorized to do so. ~,(!:!t II, JOOO ~TE ~~ / LISAM. ASON, ESQUIRE AUTHORIZED AGENT FOR JANET E. BENTZ TURO LAW OFFICES 28 SOUTH PITT ST. CARLISLE, PA 17013 "- ."""""""'_. ~ -- - ,"' "" :J.'Y~! I , " 1) , 1 iiJi '''~~"~^ ~,6JIlJ ~"l'fM~!l ~ ~~ ~,~.~~ ...~~,,,,,_.....4l~,," l_~ -, nliltlll!l;!$ll"",,,,, =-~-- 0 <:;> ,'-", C 0 ~;>r~l ~.:: ~".! v f~~ .- ", fTi l'T - .. 3: .~ , " (?: --, c.;:, -(~ U) " -< ':,d !<: l~) '-,-1 " ~ C () Ci ~.::.: , fll J> s;:; ::::J ...,-~; ~ '"'--.) :i:J ~ cr~ ~::: '. r I ~. ,0 IT1 n r'l'l ~ ~~ n bl ia ,... '-" oil'- I I _~_~,.d"""_~'l'!ff,AA'!\"st~f~~Ilmf''''':wiWolffi'if;P';'f~liI,_,~_"~ ~'UfIflIlI" ~~ , I SPEAR & HOFFMAN, PA BY: BONNIE DAHL, ESQUIRE ATTORNEY I.D. NO. 79294 1020N. KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF LOAN# 2006346759 BANK OF AMERICA, NA 475 CROSSPOINT PARKWAY GETZVILLE, NY 14068 PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET 00-4679 CNIL vs. JANET E. BENTZ 703 CEDAR RIDGE LANE ~CEU\N1CSBURG,PAI7055 DEFENDANTS PRAECIPE FOR JUDGMENT FOR FAILURE . TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Enter Judgment IN REM in the amount of $127,984.09 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: " " ',I Principal of mortgage debt due and unpaid Interest at 7.00% from OCTOBER 1, 1999 to September 10, 2001 (709 days @ $20.94 per diem) Accrued Late charges' Attorneys Fees $107,714.50 TOTAL AMOUNT DUE t29,Y~ BONNIE DAHL, ESQUIRE Attorney for Plaintiff $14,846.46 $37.41 $5,385.72 $127,984.09 i I I 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$127,984.09 (I""z,;. R.KO-'~: rRO PROTHY d j 'i ;i,',."J."i..,,,. -'C<,""_"__"" ,'_,,,,,," - .', -->~-, - ,.'""i' "," -" - -," ~----- -,.'- , ..", ,. r"'~>"' " "-~" "\ .~ ~.oO"o." ""., , , ..'...,....lC JU,Ul!1. )\!I.lllLi! . . ,,-'<\J~!,J '! , " "'0 C" ". ,_ ~_:..Jji .' 0 r' ,-_,/-,)'~ ,~_ 'c-_"""'~1''''-''''''_''''''''o_ .:;, <.~'--li ,"";"';""'U'''''''"',,,,.,..~,... .'_c_.,'"._' 'E \; ~ ~ -"" "'- ~- ,," -- -, '-,-,"""-._",, - ~ . , , p ;0,',,'.. "'C' '" ,h"."~" ...... ~,. ,,,,.,",0,,,,,,,. ,... . ..';; 'Y' r (') 0 ~ U, vC,-~ 1'-"1 rr-rn: '" z" 1'';.) 2(- (I)",.. en -<-:;:: <Co ~o ~F:~ -., " )0. tc_ "----t~, ?- ::J ~ 01 ..., r , 1-> r <' <:; ~ ~ - <- -<> ~ ...." "-l -c:- t( '"0 " ----'h ;,::----U h-l -,'--, C:,; .: -~ \~-} );! 5:J ~~ ~ if '" ~ ;J ~ ,,,-_~ . . 'N r ~i !I II i: j :! I :1 " ;1 :l ,;! " ) ,I ) ,;; !1 ;j ! ',j rl I 'I ;i , '-I I i I I I :j 1 I ! i ! '! I i J! '.,", SPEAR & HOFFMAN, P.A. BY: BONNIE DAHL, ESQUIRE ATTORNEY LD. NO. 79294 1020 NORTH KINGS HIGHWAY SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 FAX (856) 755-1570 ATTORNEY FORPLAThITffF BANK OF AMERICA, NA PLAThITffF, vs. JANET E. BENTZ DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. 00-4679-CIVIL CERTffICATION OF MAILING NOTICE PURSUANT TO RULE 237.1 The undersigned hereby certifies that a Written Notice of Intention 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. Dated: &\\l.Q\O \ SPEAR & HOFFMAN, P.A. By:AL~ {/ BONNIE DAHL, ESQUIRE Attorney for Plaintiff '",-'':Y''' 'C,"~" "T ' -, "C," . -0._ ,."M _ , ,e__,'" _,' _",,_ "". _"~,, ,,_ , ';, . ~__'. _ ,,~,~ -",,--- . '. - 1- . it'l >- tr: r~-; 1l,1-:-) &i.! Z:~~ (?~ "'1 !~!J ;::': Lr C) ..".... .. tn c: ~ .:z :~ -c( 0.:... C):? ~-:( :-~) ;:; :;f~ .-_)lU :_!.:CL ..;::..:; ...., o (~ ';''- LL.. ~,O ''.J 0, ld V:i a '. '_"'-;'-0 ~," ',-._F."'\ '7'. --.~ '-".' .. " ,d .. .~ ,~~ ...w,......"... ,~0" ....,',.,~.,.. 'rTlI,"'[l'iI"'" " ~~~T!J " ~~ y: ."- , o o SPEAR AND HOFFMAN, P.A. BY: BONNJE DAHL, ESQUIRE ATTORNEY LD. NO. 79294 1020 NORTH KlNGS IDGHW A Y, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 FAX (856) 755-1570 ATTORNEY FOR PLAINTIFF, LOAN NO. : 2006346759 BANK OF AMERICA, NA PLAlNTIFF, COllI< r OF COMMON PLEAS CUMhERLAND COUNTY vs. DOCKET NO. 00-4679-CNIL JANET E. BENTZ DEFENDANT(S) NOTICE To: LISA M. GREASON, ESQUIRE AS ATTORNEY FOR JANET E. BENTZ C/O TURO LAW OFFICES 28 SOUTH PITT STREET CARLISLE, PA 17013 Date of Notice: 8/16/01 IMPORTANT NOTICE I' YOU ARE lNDEFAULT BECAUSE YOUHA VE FAILED TO TAKE ACTION REQUIRED OF YOU IN TIDS CASE. UNLESS YOU ACT WITHlN.TEN DAYS F~'.OM THE. DATE OF TIDS NOTICE, A JUDGMENT MAY BE ENTERED AGAlNST YOU WITHO. ,T A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YO SHOULD TAKE THIS NOTICE TO A , . LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER ,R CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT \Y:flERE YOU CAN GET HELP: Cumberland County Bar Ass~ciation 2 Liberty Avenue '. Carlisle, P A l7!O3 (717) 249-3166 ~N~g~ Atto~ey for Plaintiff TillS LAW FIRM MAY BE DEEMED A "DEBT COLLECTOR" UNDER THE FAIR DEBT I COLLECTION PRACTICES ACT. ANY AND ALL INFOl,lMATION OBTAINED DURING THE PROSECUTION OF TillS LA WSillT MAY BE USED F9~ THE PURPOSE OF COLLECTING THE DEBT. .' -~ J .,- . . 111 >- c:: i'S ," ~":::-;;' it ~) (~) .~:--=-- [---, ~'L' [~-= > ;--- L. (5 In c: ~ i::: ,2: .:::J< 0-.0 ~~t HI q G ~~.,,_IJIIIII:_''!f'!, Q. l~D "'" Q LtJ v, t.::\ '0"., ]' .' - jpi/' -~~_!l8ll ~ 'Tp,,,"~ "d'" (1~.f1l\ IJ.;,;~aJl' ~, '.'- ,. _~."_ ,_c~ ~.- IlUir'jt I" , "~~ _Y~~"iI\'1~il$!,*';lm,,"~l'<'f1J1''''''<1i'-;2'l'l'lii;;;'-'i!j~'';J'[WiWi1~I:ffi'li!l'~'ffiiMiWf~ffiWi!iiJ.E\9'iWl!'iffl~~iI",~ )" r r SPEAR & HOFFMAN, PA BY: BONNIE DAHL, ESQUIRE ATTORNEYLD. NO. 79294 1020 N. KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAThITWF BANK OF AMERICA, NA PLAINTWF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO. 00-4679 CIVIL JANET E. BENTZ DEFENDANT(S) AFmDA~TOFNO~~ITARYSER~CE BONNIE DAHL, 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 Plaintiffs behalf, and that the statements in this Affidavit are true to the best of his knowledge, information and belief. ,~ \1 ,jl 'jl ;11 jl (; Defendant, JANET E. BENTZ, 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. :1 :;:1 ., This Affidavit is made in connection with the judgment upon a note and mortgage secured upon j Ii! the premises located at 703 CEDARRlDGE LANE, MECHANICSBURG, PA 17055. BY: Pn[/:~ "BONNIE DAHL, ESQUIRE hi ''; " , SWORN TO AND SYl},SCRIBED BEFORE ME THIS ~ DAY OF'2P~m~f,'20~. .) '-I -'! i ;-1 i,,; -';! ., I I , i I i September 10,2001 'j 1 " i J -'''_'" .i-'-','_ ""- _,""'C, "",,_p, '"," , "- ,,_,~>r_'.,,"~ ,,^ . liI ,~, ,.,.. -,' """"~ ~-, ~ ~~"'" ">'. ..- o c v~~ ~fi )>c; L.. ~--_ >e:: z: =< . ~- ';- ~- " '<-~ "' ~,," c.) 'f, "T; N (], " , ~" => (T, '".' "Ii. -:~'t'" \ " .~ ., ~,',' ~I 11 :J ,', " (1 j ',I " , :j .1 I 1 1 .I I i SPEAR & HOFFMAN, PA BY: BONNIE DAHL, ESQUIRE ATTORNEYLD. NO. 79294 1020N, KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAThITWF BANK OF AMERICA, NA PLAThITWF, vs. JANET E. BENTZ DEFENDANT(S) COURT OF COMMON PLEAS CIVIL DMSION CUMBERLAND COUNTY NO, 00-4679 CIVIL CERTIFICATE OF SERVICE We, Spear and Hoffman, PA, 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 attorney of record: JANET E. BENTZ 703 CEDAR RIDGE LANE MECHANICSBURG, P A 17055 TA"_<d~1 -~, -. ---'-,-~.-- .-'.--'-'- , ~ - . --~ -~ "--, -"-,,' -- '--< BY: SPEAR & HOFFMAN, PA A,~~ 1l0NNIE DAHL, ESQUIRE -~" " I~ 1lI '.,,'-"0. C. ,h'" ,,.,,.,,.p. . ".v...,.."".,...,........ .."...... ,..... .'p .', '" ~___ _,. .__ .\t c",., ,~", ~,.,_ ~,C->T"; .,' "_-'''-',_:''!_:'~1_' - ""-,' >..." '-,,'----,---~--,..- 0 C:..-e c: <- co ""tJi-~ i1i "'nf~;:-i " Z::L 7~'_- ,""-,J CJJ;" (J''I ~< ""~ ~.:: .~ '.-' Z>-~. -=;:-<.....-" 0) ~=-) ......C :2:: ::J 51 =< :"0 (;, ~, IjjniT.,.'t"j""'Y'" ',>,--~:,_ ""_"_"~_,-__:' ~__'. .c. ,~e ___~_ -'i~_ .....,..,. SPEAR & HOFFMAN, PA BY: BONNlE DAHL, ESQUlRE ATTORNEY I.D. NO. 79294 1020N. KINGS HIGHWAY, SUlTE210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF vs. COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY BANK OF AMERICA, NA PLAINTIFF, JANET E. BENTZ DEFENDANT(S) NO. 00-4679 CIVIL CERTIFICATION OF ADDRESS I hereby certify that the correct address of the judgment creditor (Plaintiff) is: BANK OF AMERICA, NA 475 CROSSPOINT PARKWAY GETZVILLE, NY 14068 >< and that the last known addressees) of the judgment debtor (Defendant (s)) is (are): ij :j! ,Ii :ii ., :J ~I I JANET E. BENTZ 703 CEDAR RIDGE LANE MECHANICSBURG, P A 17055 ::j !i I :1 .:;! BY: :11 j Cj ., ':'j ,:j '-<1"'." .~_. ~ ^A"{~' ,,"'"". - . - - ".'- ",. _.0_.._'_.""""'_,,,"'__'- O___',_,~ . ",",,"0' _ " ~r"...;__ 7,~_" ..>. l' - " ""'H,~,,,,,,II!!II!L, ".", ...dd.' dd' , 'C " * ~,~, .' .~.,,~ ., ">. ~ ~ '<R, .-., bEl'.,,,- ~,,~,;;,-. _)',;J '; -, ..,'...,'- , - w' '1ffr "'-']j:L~:i."i'"~~ "fOOl" .""~"",..,,~-, (') C) c.: 5: (l) .'UfT' ,,1 rn (r~ -0 22: :".,J z: C/J .o-~:- c- , -< .::- ... ,- e:; ~-T ~ -.:..- ~~ , .-"" '-::- ~ 1...J Z ::;::! ~ ,:;) :-=CI 0"" -< .~,. ,"," r ~,_ , d.. ., ., I ,j il ~! ~! i! l: ! i , ,. " !i II 1:1 11 " " 1-i iJ U ~." !~ ,< ," , j; !~ ;,' ;-1 ':) :i 'I i i , ; , 'I I 'I , H , . LAWRENCE K WELKER Prothonotary OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS CUMBERLAND COUNTY TO: JANET K BENTZ 703 CEDAR RIDGE LANE MECHANICSBURG, PA 17055 BANK OF AMERICA, NA PLAINTIFF, vs. JANET K BENTZ DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. 00-4679 CIVIL 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 I:IA VE ANY QUESTIONS CONCERNING TillS NOTICE, PLEASE CALL: ATTORNEY BONNIE DAHL. ESOUIRE at this telephone number: (856) 755-1560 - "--'f .'t'" _ h~_ < -," -, -, ,.<, ,. -.- ',~- " -~"-, . ~, f-_ - '--' i" ,'":e,.'.".",' ill 'b~...'" _. .". ""~,....".....",....,..V""~,.,,,,,. - ~ ,,- '-0- '-'~'i".'''o'C'' ",_""",~./___'_ , .. "" ",.~ ," ~ r-'", ", =,~,,~ "-_,.,'._'__""",,./r_' ,'~" '~'~,-- (") C' C) C ,.., '. 5,. ej") --0 u::' ," IT1 '~J ~.7 <- ~j;i, :'J cr, C C,. -"0 :;; C': -,- ,~ b '> c:: ,,,;.J ~ ::) -< tY'" " -"'1!~~,,-, ~'~"~ "'"-".- ,,--, ff---'~ . .. "'.. -'_D'.---' $ 1 :1 .i ',j ~ ! i '! -i 'd ;j '1 A , ':1 ':1 ! , ,I ,'j I 1 ] I I I 1 .] 'i ",....".. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY. PENNSYLVANIA CIVIL DIVISION PRAECIPE FOR WRIT OF EXECUTION BANK OF AMERICA, NA ( ) Confessed Judgment vs. () Other File No. 00-4679 CIVIL Amount Due $127.984.09 Interest $1.809.44 Arty's Comm Costs JANET E. BENTZ TO THE PROTHONOTARY OF THE 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 forreal property pursuant to Act 6 of 1974 as amended. Issue writ of execution in the above matter to the Sheriff of CUMBERLAND County, for debt, interest and costs upon the following described property of the defendant(s) 703 CEDAR RIDGE LANE. 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 garnishee( s). (Indicate) Index this writ against the garnishee( s) as a lis pendens against real estate of the defendant( s) described in the attached exhibit /J. DATE: September 10. 2001 S;gnature: A /~.d / Print Name: BONNIE DAHL. ESOUIRE Address: 1020 N. KingS Highwav. Suite 210 Cherry Hill. N.J. 08034 Attorney for: BANK OF AMERICA. NA . H . _ _ ~,., ._,. ~-. .~ - <--" ... -""''''- !l ~dLn,' . V',~'",'~""""L n",'".,rr"N' .",. ~""';" , ,~- ,. """"',,"'''''' '-'~"/ 0'<'" 'C,.. .._ -Ttn("~- (") c:: c; ~ -r,~fi3 C,I)- P. I11r--" 1', ~~; V :'0 " (T, '- r.::'C.: '- ....c, ...,.., " 2".~, ~ 71..,' :1.-':: '" ~C. ~ ..t> c:: C4) "" Z -: -< ,~ ;;b ~ ~ '9-> ~ I~ ~ ~ -""0 ~-'~,'f-,,:,"-, ,,,,, l',\-~~:'_ " -- .. 'B-J~~i; <A '"" .. c: ~ ~ '" ~, , -,,,",,,- ALL THAT CERTAIN piece or parcel ofland situate in Upper Allen Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to-wit: BEGINNING at the point of intersection of the northerly right-of-way line of Cedar Ridge Lane, a private street, (50 feet wide) and dividing line between Lots Nots. A-2 and A-3; thence along said dividing line North 31 degrees 56 minutes West, a distance of85 feet to a point at the common open space; thence along common open space South 58 degrees 4 minutes West a distance of24 feet to a point at the dividing line between Lots Nos. A-I and A-2; thence along said dividing line South 31 degrees 56 minutes East a distance of 85 feet to a point on the northerly right-of-way line of Cedar Ridge Lane; thence along said right-of-way line North 58 degrees 04 minutes East, a distance of 24 feet to the point and place of beginning; being Lot A-2 on the Final Subdivision Plan for Cedar Ridge Townhouses prepared by John C. Brithart, Surveying and Mapping Services, as revised on January 15, 1978, recorded in the Cumberland County Recorder of Deeds Office in Plan Book 32, page 73. BEING THE SAME property conveyed by Rocca A. Ortenzio and Nancy Ortenzio, Husband and Wife to Janet E. Bentz, Single Person, by deed dated 5/24/94 and recorded 6/6/94 in Cumberland County Recorder of Deeds, Deed Book Volume 106, Page 612. HAVING THEREON ERECTED a two-story townhouse dwelling unit known and numbered as 703 Cedar Ridge Lane., Mechanicsburg, P A 17055 Property ID# 42-24-0792-00lB ~ , '- --~ <>' ,""'''''' ,.", - -, ~ ,-, " =,". ~:':"o-n_ - ~~- ,1 ',1 '-I :1 i I .1 I '! d '-:f 'i SPEAR & HOFFMAN, P.A. BY: BONNIE DAHL, ESQUlRE ATTORNEY LD. NO. 79294 1020 N. KINGS ffiGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF BANK OF AMERICA, NA PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY VS. DOCKET NO. 00-4679 CIVIL JANET E. BENTZ DEFENDANTS AFFIDAVIT PURSUANT TO RULE 3129.1 BANK OF AMERICA, NA, Plaintiff in the above action, by its attorney, BONNIE DAHL, ESQUlRE sets forth, as of the date the Praecipe for the Writ of Execution was filed, the following information concerning the real property located at 703 CEDAR RIDGE LANE, MECHANICSBURG, P A 17055: 1. Name and address of Owner(s) or Reputed Owner(s): JANET E. BENTZ 703 CEDAR RIDGE LANE MECHANICSBURG, P A 17055 2. Name and address ofDefendant(s) in the judgment: JANET E. BENTZ 703 CEDAR RIDGE LANE 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: BANK OF AMERICA, NA 475 CROSSPOINT P ARKW A Y GETZVILLE, NY 14068 CORINTHIAN MORTGAGE CORP. 5700 BROADMOOR, SUITE 500 MISSION, KS 66202 5. Name and address of every other person who has any record lien on the property: NONE ,,"~-,"->--"- ~,.~,~, ~",,~';\" "-" ~- ., - -,-. ,-"." .'~io+oj;iJ~ ')~~ , '\....... 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: CEDAR RIDGE HOMEOWNERS ASSOCIATION C/O STEPHAN EDDY PO BOX BVoxz265 MECHHANICSBURG, P A 17055 DOMESTIC RELATIONS P.O. BOX 320 13 N. HANOVER ST. CARLISLE, P A 17013 COMMONWEALTH OF PENNSYLVANIA DEPARTMENT.OF REVENUE - LIEN BUREAU OF COMPLIANCE DEPT. 280946 HARRISBURG, PA 17128-0946 ATTENTION: SUE BLOUGH CUMBERLAND COUNTY TAX CLAlM BUREAU I COURTHOUSE SQUARE CARLISLE, PA 17013 LISA M. GRASON, ESQUIRE AS ATORNEY FOR JANET E. BENTZ C/O TURO LAW OFFICE 28 SOUTH PITT STREET CARLISLE, PA 17013 CAROLYN MCQUILLEN TAX COLLECTOR 1044 PINE ROAD CARLISLE, PA 17013 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) 703 CEDAR RIDGE LANE MECHANICSBURG, P A 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&H~:&;J ~AHL' ESQUIRE Attorney for Plaintiff '__"h_,__. - "- -. . , .-.~ .. - . - -' -""~ ~. - _ ~ '.'" c; _ ; ,,'~.._... ...h..... ..."H....H ,...."..,.... .. .!..,.... . ... h"." ,".~-- "..,< ,~ _0'" - ,~'. " .,. "'...'....~'..ll...'". iTiI?"'z"t -"""'"'~-''' . I.. . --""0 0 c=:. C $.: u') -cJCCi r'lj l'Tlrr U .2 ""1', 2: i~ p".) (J) (.;', -<>-' f<c.') -~'. 5("',; ...j,;' -~-!. ~~Ci ':"'J c~ P-c z: ?6 =< _. ..~ -< ~~~!"~~ ~- .,^" .,-,~,~ ". ",,,,,,,,,';";";- A s' f: " , ~i ~i ti ~: " II J ,':1 " 'J ;1 , :j ;,j 'j :! , ~ '1 j 'I A ,] j 11 " ;~ , ,I j SPEAR & HOFFMAN, PA BY: BONNIE DAHL, ESQUIRE ATTORNEY LD. NO. 79294 1020N. KlNGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAlNTIFF BANK OF AMERICA, NA PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO.004679 CIVIL JANET E. BENTZ DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: JANET E. BENTZ 703 CEDAR RIDGE LANE MECHANICSBURG, PA 17055 Your house (real estate) at: 703 CEDAR RIDGE LANE MECHANICSBURG, P A 17055 is scheduled to be sold at Sheriffs Sale on MARCH 6, 2002 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$127,984.09 obtained by BANK OF AMERICA, NA 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 BANK OF AMERICA, NA the amount of the judgment plus costs or the back payments, late charges, costs and reasonable attorney's fees due. To [md 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 ri ghts. 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.) , .'. , , . ",,,~- "-- , - "';'~ ''''-' "::',, , " , , - ~ , " . - ~ " - -, ..4 'i , -;1 , ,:[ ii ! ! :! i!jl ,1 J -~ YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. L If the Sheriffs 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 fmd 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 APRIL 6, 2002 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 TillS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HA VB 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 COURTHOUSE 1 COURTHOUSE SQUARE CARLISLE, PA 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. ,-;.,> - "1 -~" , "''".- ,-,',-, --',-" , " -'.-.=, ." to' -,?,,^ ~"' ...., ''';'',' ,_.~j_. ~~. "'-"'-"'" ~ ,'~ -~" , ,~~"'>' ~ , -"~_'-LJ-IU_-_r-' . ..d, ,~~~~. "'-" - - C'~-~-~~ ill "111t' 'I" ,~ 0 0 C ~~,. Cl) '1J r];~ Pl '.. IT! 2 !..; , -0 .. :;.:: r..v ~) Co C" .- --< ~. -:'j (~~ r:: " 3-:;; ....J -0 -. C) -,'". :=1 C) 2 0 / s:: ;:,.,) 0 i""n ~ C ;~ Z -, _)~I -< Ul -< ~I ----,"' ,,_.J_",,-. ....... '""'t. ." i ,.1 1 ~i ,j ':1 " i , I I i .1 1 " ~, .V SPEAR & HOFFMAN, PA BY: BONNIE DAHL, ESQUlRE ATTORNEY J.D. NO. 79294 1020N. KINGS IDGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLArnTITF BANK OF AMERICA, NA PLArnTITF, vs. JANET E. BENTZ DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. 00-4679 CNIL CERTIFICATION BONNIE DAHL, ESQUlRE, hereby verifies that she is the attorney for the Plaintiff in the above captioned matter, and that the premises are not subject to the provisions of Act 91 because it is: (X ) an FHA mortgage () non-owner occupied () vacant () Act 91 procedures have been fulfilled This certification is made subject to the penalties of 18 Pa.C.S. section 4904 relating to unsworn falsification to authorities. '7!'.,,<._>,'c _'d,C_," ,_d'~",=_, A~M BONNIE D~, ESQUlRE "- Attorney for Plaintiff '-,-, ". --" -- ,~,"'-~<.,._~,-~ ' >" - - ,,- ., . " - 0" _ 7', ~. _'"""'-~_,","'_ :' >', '"," ,,-e>, ,-", '>::~,~ ' --!l'!'II~> ~" ~_~ J c ,~" v....,..... _... 'ililiT....' ~'.'~'.hc.;,>,,"".A 0 0 C} C -',':- "" U) -art! Pl -n DlfTi <J Z::>-:'l i....., 63 S~,~ cr~, C:.". ~~: ... v '----_--h :::;.:: i, :~(_) ;;';0 '^) (~5 , )>c --.1 ", -1> ~ -I .1='"" j:!, -< --. -,", -~- . " _"7?o~",_, -~' ,.;; , IN THE UNITED STATES BANKRUPTCY COURT FOR THE MIDDLE DISTRICT OF PENNSYLVANIA ...../ INRE" J anet ~lizabeth Bentz BKY CASE NO. 00-03176/RJW BA Mortgage,LLC (a wholly owned subsidiary of Bank of America, NA) successor in interest by merger of NationsBanc Mortgage Corporation MOVANT, vs. CHAPTER NO.: 13 11 US.C. SECTION 362 Janet Elizabeth Bentz RESPONDENT(S)/DEBTOR(S) Charles 1. Dehart ill, Trustee RESPONDENT/TRUSTEE ORDER MODIFYING 9362 AUTOMATIC STAY AND NOW, this .;lq'T1~ay of~ 2001, 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 oithe Bankruptcy Reform Act of 1978 (The Code) 11, US.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 not limited to, Sheriffs or Marshal's Sale of 703 Cedar Ridge Lane, Mechanicsburg aka Upper Allen Twp., P A 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 talce effect immediately without regard to Bankruptcy Rule 400l(a)(1). JsJ flOOert J. WOOdside UNITED STATES BANKRUPTCY JUDGE cc: Robert W. Cusick, Esquire SPEAR & HOFFMAN, P.A. 1020 North Kings Highway, Suite 210 Cherry Hill, NJ 08034 856-755-1560 FILED HARHJSBURG PA r JUN 29 m ~ Clerk, U.S. Bankruptcy Court " ,- ~ ~"~ .ii' ^ '" - "^ >''MHli4.t~~~'"''~~tilirf~i*,''~..>i~Tt:Mmft&';;l-llM'''''''''"''ll'-'\~~:~rnw~l!.iW~ill~.ili!lin~i;;')~;M:'Jl.lI;1!~A. ~~, ~ ~ 'OIlOl , f"',.;",AA,CJjl",,,~",.,,,,,,,,,, - ' "-~ " .~. ~"- - """'~~il~'~~ = ,~I. jjlij_~IiIlIillIll:.. ,"" o c [fj}f ~/~~---' :s ::-~ t.:-:c. ~f:-;:' Pc! "?- ~ ,':) 01 c":) ':.-') q] i'\jc 0" . -~; --'1 ::? '. --..:{(~) ~,~ :0 -< S<? I ! '" ~ . ... Spear & Hoffman, P .A. BONNIE L. DAHL, ESQUIRE Attorney J.D. No. 79294 1020 N. Kings Highway, Suite 210 Cherry Hill, NJ. 08034 (856) 755-1560 Attorney for Plaintiff BANK OF AMERICA, NA COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO. 00-4679 CIVIL JANET E. BENTZ Defendant CERTIFICATION OF NOTICE TO LIENHOLDERS PURSUANT TO PAR.C.P. 3129.2 (C) (2) I, BONNIE L. DAHL, ESQUIRE, Attorney for Plaintiff, hereby certify that Notice of Sale was served on all persons appearing on Plaintiffs Affidavit pursuant to PA KC.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, PA AY~ BY: BONNIE L. DAHL, ESQUIRE ",-"..,,- ',--~- - -,,,-, .- "- - ~--.- ., -r ~-" ci' .. :3 '" Ql .... .:-a ri' " c ~ '< ~ Ul Ul .. o' c.z $"~ m ~~ , , g-9,. '" o' o . . ~ :Jl-i .j? n . . - <' Z . c ~3 Jlla . ~~ -,,-: 0; ;1;0 g Ii ~" " 0 ,\ ~ i 1 I 1 I '1 l 3 ;r:: c ~ ! CD .. o o 3 ... ;; Ii D. ~ .i " ~ i ~ HI np F ~htho: ;[-~mi~a ilUnU "~~I.H~ !!l ~I!, Ill;;g!; ~! g. . p-i~~h ~~",~au ~~I~hg n~~~(it~ [a;.il.i ~ .~~~~ l'l. ~.fo1~ r;::; <.II: .!:""aoO ...~u~ g~i ,~ ,,_..;I!l'~ ID go .-00, i3~~h il~~3~.E 3 ~'~~R~ ~a.E' 5l!l .g'8 iiri III 3 . -." u.< s.~:;"' ihul .g~~g!iJ g.~3. g2 III 8.:e.~ 5'3 t3 III g-o 1Il_. madU ~g3'1l1:2~ -<Ol!!-g;lii'~' '-J 1 , ":) ,.- - -, "-1 ,~ - "'-3 CD a- ~ ".... OJ OJ 0..." (1) 0 ~.g" ::l )> ... ~ , " ~ 5:-0(')(') (') ~ -I ~ ~:H ~lJo I r~ ..... (1) 0-(1) Ol 0l0l W'pO Ol 0 o 00. ~ X ~ g :. ~ W ::TOJenOl ~ ]I g>~ .z. 3 ::l. : ~~. J (1) III ~ ~ (') ::rO_""" I '" e- (1) Ol X (1);;0 (1) _ _::l - ~~ . ::l-~ Ol 0' C . a. ::l OJ"lJ -. -0(1)(1) ~ Ol = tCl Ol -. ::T 18- ::l o < Ol )>a:&~ a., 0 ;;0 T~ ~ ::](1) < (1) j; - ;;0 c mI ...,I.o""~ 3 ~ C (1) w a ~g ..... Ol ~ ~~ ~ tCl 0.0 ~c. (I) en - ~" ;;0 o' ~~ 0.3 W ::l t ,... ::l ..... .(1) ~ -0 '<(1) III '" < )> 0 ~~ ~ (1) Ol :;: 00 ::l ::l ~ C (1) ..... ::l ~~ 0 (1) 01 Ul o. ril5- 01 )> 0 III ::l ~ ~ 0 g iir - g' ~ . ~ . ~ !:t :c a ,,- .. !l' " <;- I I ,,/' ~.~ ~~ ,,~'1 ( ""- \~ ," ~/ 1~\. . <' v.'" t 'f~ ;//,: ') ,-~.,,' .)' f-:>f" /~ ,\ " , , [ft- / '~~" . ~ . ,,' '.< ~ ~" ~ > ~ 3 ~(j) 0-0 NCD all) , z..... ~. ll) ::l "'2;c. .r- ::l I;>:en I 1= en 0 I~ -.3 enll) ::::1'::l :;: ll) ':< z . 3 . !!. ~ j i 1: "- ii m !> Ul ii . ~ . il. " ~ o '" o' . (j) c ;:;: CD N ~ o 1: ~ . , = oO::J:D~ 1 O~c2: e ~O"'lii'. [ Z.li~ - "" .. ~!!. 3 OJ!!. '3 ~O':n- .. ~:>' Jll Ii ;;::I1 i!!:~ cg lIIl1!~::J ~g i~ Ib a.::I n ."l'I ;::&N:~' III Cm- i'- o:t DD;PQ l~ ~:EcQ ~ ~~~~i~ .~ sH-Il "il'~!C;:~ :II r'" S:i' ~ 1f J!!:<:=~~ii 1:-!!t ~ iil if r=:---i f; 6 D" !! III 6" g !l- ii~ ~ c~ . 0. 01lU~ ..Ii a"... o C/) ~ g-irlll O. .. 0 J'l 0: o a. ~_!!.ll):I :: t~lfi. :';iifl fli':c ~~J::u CtO. ~~g1 l~ ~t~,\ ~?:'f ~~'~:\{f~ ~, )J -~: :~~t~~;~'JP](ll~ ;; il''' -~ II:t~ ~ ~ L..'lIiI'1 il'~= 11'1 ._re~ll~ ,})<. ''r;~' ~t;:. "" ~ t..;> *~- 'I Ii . ~ '1 ,I J , ) i '1 ;:1 3 'I I '1 i .1 ! ;,) ~ "- -."- ." 0, :3 ... ~ :" ;!' " ~ ~ '<! ur~ "z $"~ t\) ~g " g-s. '" o' n . . <0 ~ JJ-i .0 ", is. 0"1. ;1;0 2 I " o . 3 l -n~ ~ >: . ~ ." ~ !II: c .. .. III .. (') ~ '0 ~ Do ~ I i .:" 0 3" 3l<l":i :; ~~M lPSi;o 1"~!I!~il"hi:: 0, J- il il." "''' ~ _C!r.~a ! "i~ -.d'l 'tI '" Wi ~ 19 o a a; CII a ~-I ~ ; '1l . ~ .'ll.~" ~ it lt~g!i !!II ;,s00. iii~!i~. ~~;:;~;;{i! ..,~ S."..o -;:t@.3olD;:J Q!rl~~r<lit" g _;,s;" ,. " h- "i ~ ...~~~~ !I ~-"'''' ~ i:t! H~"~" o C/)~g ~ a. ;:Jf8W' <U S'~ .,:ill'i "il'l(lO" o' i=_0>3h -3 <l~ i ji'(S3'i:iil -~. ~ g,~. 3 a ft _.glir ~s..ilhi! .w8!!'~11l3 lD < 111 ~al!!. i:~ 8.~" if~ ~~ 8l "g -=;;:g ~ ~~.~ g a._. <'l !;i;a g ~ i&.!,~5'3 <<I 1I):f-g ~-. m il.ca m ! g. .00' 3 "tJ 0 ~ ;:J ~O[~/jj'~' .r~ ...,....,., ~ ~ " 0- X ,.r -,'- " "'" ',-" ~. fu' ::L (jj' .CD -u )> p', '" Ii, _.:.' , ~ ,_.......,1 ';)~~\ .'. .~~ f' ~.~ ~:." _ '_:,;;C , '~4~"" -_...""".~ ./ .-/ I . . Dil! x co c Cil III c P. ~ 0 ~ c; E W . -.. co CO CD 0 ::J )> N ) ~ f;? r: fl' . CJ) p)> II of:l8'<:: c 3~ ,.- - ::J lJ ::r CD 0> 3!~ -''< .. ::; 0' ~ CJ) ~ ~i ~ i _ CD - [Tl ~' CO CD ::J N t' en-3 \ ""'" I -=; Illo o...~ =(ta. .... i ~[j) 0-0 NCD Ow , z..... 1.-, W ;;:J F6.a. . ;;:J ~(O J: ...000 J:=ll -.3 (Ow ::r;;:J ::E w '=' z o 3 o 2- 1:: " 3 m j> !!I if o ~ o il. " i o '" o' o en c ;::;: CD N ~ o 1:: ~ ~~~ ag~~.1 i' lD!a_ c. o.~i3 .. "" 3 DO o~ -g ~a~if i .;!::~ Ie (IIJ!!!!!.:J CD (II 0 g.:D ;:a~~ !!.CDQ,l\l ~ ~i'~ l\l ~ oJ: ~~ l!lg Fo" ~ DOil'9 !~i.i ::J'~...~ sd'!.g " III Q. "0 g " ;: a S:i'su" - (II _..:1. ~i;l:":"~ ~ 6 "" ! III 6" g ~ :;;il' JJ~ . < -. .. ~i <" !!.! ~. . " !l' ~~ ll!~ 00 ~ g.g>~ OlD l!:!: ::s III III o~*~~~ ~ " HV" I~. - -'" III ~( i ~'iS1, f 9..~~1~ m ~ ~ ~~~../ --:I{J is' ....~,?, b'~,"\'(;~ ~ - %~" j ) I'-.- ~ . ".J''''''~'\\\1 -<i"J s: ~ ,::-pr:>:,,:~;;~ ,~I, ! -, ,J "'-"'~'!!.!1'1'\ ;;\.:.' ::ID '1_;,1 il ~ ~--'" . ~;:f",';I' 3 <J. "\[~ I'!!!!!. Lil h(!~ if ~ li,jH I". lD CJ; ~.'.'!. ,1'1' .J'o ~ [III '~i I ! l ~nJ UiL~~ t~ "" ~ ' ., 'i' 'J:- * ,', '" " ~. ,', .,""'1"'" n ,. ., -,. I . '_.';'7C, ," "-,, ,,~ !!!ifIl!l ". ~~ ,,~-,-,. .-~-, -~ ." ""- '"'-'--'~- - !_:~7'-'(,~ ;, '1[1I"\" 0 0 0 c " ;;:: 0 :::i -UW ,- ~"~i fTI mm -I Z::v ..,..,rn 6;5::: 0" S~6 ~a :<>- ~,_l:-+l ~o :Ji:: ~~() ~2 - On1 .. ~ ~ W U, -< ;,~-. ,Illr1 "n,''''' ,. "'.'". .".~,,~~,~ SPEAR AND HOFFMAN, P.A. BY: BONNIE DAHL, ESQUIRE ATTORNEY LD. NO. 79294 1020 NORTH KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (609) 755-1560, FAX (609) 755-1570 ATTORNEY FOR PLAINTIFF APR 0 5 ZOOZ .) BANK OF AMERICA, NA COURT OF COMMON PLEAS CUMBERLAND COUNTY PLAINTIFF, vs. DOCKET NO. 00-4679-CIVIL JANET E. BENTZ DEFENDANT(S) ORDER AND NOW, this J 5" day of fl(lor\' ,200'1, pursuant to Plaintiffs Motion for Special Service and accompanying Memorandum of Law in Support thereof, it is hereby ORDERED that Plaintiffs Motion is hereby GRANTED; 'l, H :rj Service shall be deemed proper upon the following methods: certified and regular mail :!:; I "I ! ~ Posting Property located at: 703 CEDAR RIDGE LANE MECHANICSBURG, P A ,1 ~"i Q,,"\l~ ~ ..;;". ~)",J Lo.w Other, as required by the Court: :),,",,,"'c.R.. CWo;).. ~~ q ~Q,.,e C--1~=L. It is further ORDERED that all subsequent pleadings shall be deemed properly served upon 17055 " 'i V' :1.' ~: -; " "1 defendants by the above methods of service or the methods of service as prescribed by Rule 440 of the ':.1 :n :~ -'j il 'I I !1 Pennsylvania Rules of Civil Procedure regarding service oflegal papers other than original process without further application to this Court for allowance of special service../~ J. t O~ -1.5 -0:;).. J6 i 2> pea-R q. ':~ :, ,." i , j , 0o~~J h~ .~ ,',",,' - ." -",' f.~' " ,. ,". .,,~ ,"" ".".,. ,,,,,.,.<<' , . ". ",'-~ "'-'.'- --';;,,;';"''-...ii.~. J.,_~. " ,....".. . . ...~ ,-, il"""""'" ~il.liill '""''lilt"....:..' '--",~, , - ) , '? '-'-~".- " '--,-, -~ r-11 En-(iL~F'(\!: 11,___'''' .....t lv<_ OF 'n-:r: ;JFOTHOj,-]OTARY 02 APR I S Ml iO: 39 CUM8EHLA'iD COUNTY PENNSYLVANIA - ... ~ I _J , ., ~,., -- .' - ^"-~. ~ . SPEAR AND HOFFMAN, P.A. BY: BONNIE DAHL, ESQUIRE ATTORNEY LD. NO. 79294 1020 NORTH KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF, LOAN NO. 2006346759 vs. COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY BANK OF AMERICA, NA PLAINTIFF, JANET E. BENTZ DEFENDANT(S) NO. 00-4679-CIVIL MOTION FOR SERVICE PURSUANT TO SPECIAL ORDER OF COURT Plaintiff, by and through its counsel, BONNIE DAHL, ESQUIRE, moves this Honorable Court for \1 ~! an Order directing service ofthe Notice of Sale upon the above-captioned Defendant(s) by Certified mail and regular mail and by posting of the premises: 703 CEDAR RIDGE LANE MECHANICSBURG, P A 17055 " ~" ;1 ., and in support thereof avers the following: :\ ,j 'I :i j L Attempts to serve Defendant(s) with (Notice of Sale) have been unsuccessful, as indicated by the Return of Service by the Sheriffs Office (Legal Process Server) and/or proof of additional attempts at service attached hereto as Exhibit "A". , ,,,I 2. Pursuant to Pennsylvania Rule of Civil Procedure 430, Plaintiff has made a good faith j 1 :1 'l ,I effort to locate the Defendant(s). An Affidavit of Reasonable Investigation setting forth the specific inquiries made and the results therefrom is attached hereto as Exhibit "B". , '.1",'", ~ _~ ",d, _,__"', ,_,.F' ".c' " ~- ,-- .. - .~ -. 'j' ~.~ WHEREFORE, Plaintiff respectfully requests this Honorable Court enter an Order pursuant to Pennsylvania Rule of Civil Procedure 430 directing service ofthe Notice of Sale by certified mail and regular mail and by posting of the premises. Respectfully submitted, SPEAR & HOFFMAN, P.A. ~ BONNIE DAHL, ESQUIRE i: , B ~ ; ~;1 ;'1 'I 'j ," ::1 q I , .., -j , 1 .1 1 1 ,~ ., I j , I :1 ,)1 :_~ j 'I l , ::1 '.1 -11 "I J i ! I I I I -,;j "'i.-, 0_ ~ ,"" - ,"'"" ." "--,,,"- '1' -; -, '~-. , ". , . -- "- ,- -r SPEAR AND HOFFMAN, P.A. BY: BONNIE DAHL, ESQUIRE ATTORNEY LD. NO. 79294 1020 NORTH KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560, FAX (856) 755-1570 ATTORNEY FOR PLAINTIFF BANK OF AMERICA, NA PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO. 00-4679-CIVIL JANET E. BENTZ DEFENDANT(S) ~ ~ c' r c' ~' 1'j II ,. ~ " ~j II l! ;J ~ !j [i 'I i! ti " i'i ., ~ '1 ~ " ~~ ~J [1 !l ;i :'1 :,1 ',) '; .~ ',~ J :1 , , .1 :,j , il .1 l , .. MEMORANDUM OF LAW IN SUPPORT OF MOTION FOR SERVICE PURSUANT TO SPECIAL ORDER OF COURT Plaintiff, by and through its counsel, BONNIE DAHL, ESQUIRE, submits this Memorandum of Law in Support of its Motion for Service Pursuant to Special Order of Court. Pennsylvania Rule of Civil Procedure 430(a) specifically provides: (a) If service cannot be made under the applicable rule, the plaintiff may move the Court for a special order directing the method of seIVice. The Motion shall be accompanied by an Affidavit stating the nature and extent of the investigation which has been made to detennine the whereabouts of the Defendant(s) and the reasons why service cannot be made. Note: A Sheriffs return ofUNot Found" or the fact that a Defendant has moved without leaving a new forwarding address is insufficient evidence of concealment. Gonzales VB. Polis, 238 Pa. Super. 362, 357 A.2d 580 (1976). "Notice of intended adoption mailed to last known address requires a good faith effort to discover the correct address." Adoption of Walker, 468 Pa. 165,360 A.2d 603 (1976). An illustration of good faith effort to locate the defendant includes (1) inquiries of postal authorities including inquiries pursuant to the Freedom of Infonnation Act, 39 C.F .R. Part 265, (2) inquiries of relatives, neighbors, friends and employers of the Defendant, and (3) examinations of local telephone directories, voter registration records, local tax records and motor vehicle records. As indicated by the attached Return of Service marked hereto as Exhibit "A", the Sheriff (Legal Process Server) has been unable to serve the Complaint in Mortgage Foreclosure (Notice of Sale). A good faith effort to discover the whereabouts of the Defendant(s) has been made as evidenced by the attached Affidavit of Reasonable Investigation, marked as Exhibit "B". ,~ ';">-. ' ~ '-"7"~ 1"''-'>:: -", __,~.~'._ t-, -'-'-, - " -.---,~. -- ~ --, - -[, -' "-' -' ,'- ,. --~1' WHEREFORE, Plaintiff respectfully requests service of the Notice of Sale by certified mail and regular mail and by posting of the premises by the Sheriff. Respectfully submitted, SPEAR & HOFFMAN, P.A. ~ BONNIE DAHL, ESQUIRE ~L i ,,-~. '-',"- -"--c~-'-,,, -, 0 ',,-. ~ ~;_-" .<__,__--"---,---,-"~--'"' _, ___-,~, ,_, .1, - F_ ~-_c- ~,,"- '-- "~ "'-1'" -- "','-' .,_c VERIFICA nON BONNIE DAHL, ESQUIRE hereby states that she is the Attorney for the Plaintiff in this action, that she is authorized to make this Affidavit, and that the statements made in the foregoing MOTION FOR SERVICE PURSUANT TO SPECIAL ORDER OF COURT are true and correct to the best of her knowledge, information and belief. The undersigned understands that this statement herein is made subject to the penalties ofl8 Pa. C.S. ~4904 relating to unsworn falsification to authorities. [j " il ~ SPEAR AND HOFFMAN, P.A. BY: BONNIE DAHL, ESQUIRE ATTORNEY I.D. NO. 79294 1020 NORTH KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 FAX (856) 755-1570 ~1 fi . 11 il ;-i i:j ~I " , , J :1 . "1 .;1 ~ j " . I ~ j l :'~ ,J H fl I J "j 'j !! .1 (~ -.' -"-,,-- ,--"', ,-, - ,< -,~" -"'-'"'"-,_.-:-,,-- ,,' ..,,~- ',-",', -,~,-,' - - '-"'. ~" -,/ --",--l'" -,,"..~,,-. . . SPEAR & HOFFMAN, P.A. BY: BONNIE DAHL, ESQUIRE ATTORNEY I.D. NO. 79294 1020 NORTH KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560, FAX (856) 755-1570 ATTORNEY FOR PLAINTIFF, S & H FILE NO. BKB-P-085, LOAN NO. 2006346759 BANK OF AMERICA, NA PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO. 00-4679-CIVIL JANET E. BENTZ DEFENDANT(S) ~l a il J1 ~ " ; CERTIFICATION OF SERVICE I hereby certify that on the d.;l.. day of f-?M~ h ,20 u"2I have served or caused to be ~, " !i 1 ~ ;:: served a true and correct copy of this Motion for Service Pursuant to Special Order of Court on all parties 'j; '<I ~~I '~1 -Ii !.l named herein at their last known address or upon their attorney of record by first class U.S. mail, postage prepaid to the addresses listed below. ~j :'1 SPEAR & HOFFMAN, P.A. .1 i I 1 ;! ':1 "" 'I J BY: ~ BONNIE DAHL, ESQUIRE ATTORNEY FOR PLAINTIFF "1 ;j 'I J '-1 JANET E. BENTZ 703 CEDAR RIDGE LANE MECHANICSBURG, PA 17055 'j 1 ;.1 :l '\ . <' _.c' .. " . ?\ 7.....-- ." ,_v~. -'TS'> . . " ". . . .. '. .. , " , '. .. ,~" .. Bank of America VS Janet E. Bentz In The Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2000-4679 Civil Term R. Thomas Kline, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant, to wit: Janet E. Bentz, but was unable to locate her in his bailiwick. He therefore returns the within Real Estate Writ, Notice and Description as NOT FOUND as to the within named defendant, Janet E. Bentz. A check a the Post Office revealed the defendant moved and left no forwarding address. Kenneth E. Gossert, Deputy Sheriff, who being dilly sworn according to law, states that on January 3,2002 at 6:30 o'clock P.M., E.D.S.T., he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Janet E. Bentz at 703 Cedar Ridge Lane, Mechanicsburg, P A 17055, according to law. Sworn and subscribed to before me This ~ day of 2002, A.D. Prothonotary =~"~ . So Answers: r~ .....e:~~ R. Thomas Kline, Sheriff BY )0(((-& JWLtj~/, Real Estate eputy " . PLAYERS NATIONAL LOCATOR AFFIDAVIT OF GOOD FAITH INVESTIGATION Loan Number: BKB.P-08S Attorney Firm: SPEAR & HOFFMAN PENNSYLVANIA Case Number: SUbject: JANET BENTZ A K A' JANET E BENTZ. JANET E MOWERY Last Known Address 703 CEDAR RIDGE LANE MECHANICSBURG, PA 17055 Last Known Number: ( ) . Michael K G'oss. being duly sworn according to law. deposes and says 1. I am employed .n the capacity of President for I'laye's National Locator. 2 On 08/19/2001. I conducted an investigation into the whereabouts of the above named defendant{s). The results of my investigation are as follows CREDIT INFORMATION. A. SOCIAL SECURITY NUMBER: 194-44-8200 B EMPLOyMENT SEARCH: Unable to locate a good employer for Janet. C. INQUIRY 01= CREDITORS Creditors Indicated that Janet Is living at 8284 Wallace Lalle. Manassas. VA. 20109 with no valid home phone number. Janet flied chapter 13 bankruptcy in July 2000 with attomey Dorothy L Molt. ClIse # 2000-03176 with no release date given. INQUIRY 01= TELEPHONE COMPANY. A. DIRECTORY ASSISTANCE SEARCH' Directory asslstanc:e has no IIsUng for Janet Sentl. INQUIRY OF NEIGHBORS. We contacted 703.331-6S73 registered at 8282 Wallace Lane and spoke with a neighbor who stated Janet Bentz is living at 8284 Wallace lane. ManaMas. VA. 20109. INQUIRY OF POST OFFICE. A. NATIONAL ADDRESS UPDATE As of August 16. 2001 the National Change of Address (NCOA) has no change for Janet from 8284 Wallace Lane. Manassas. VA. 20109. MOTOR VEHICLE REGISTRATION. A. MOTOR VEHICLE 8< OMV OI=I=ICE We were unable to locate any current drivers licensing Information. OTHER INQUIRIES. A DEATH RECORDS: As of August 16. 2001 the Social Security Administration has no death record on file for Janet Bentl and or a.k.a.'s under her soclel security number. ZI9-, lO/90'd 881-L 8m0EZ9!9 NOILVI~OSSV S~3AV'd-WOJ, welZ: II ZO-OZ-Je~ , ,~" ~~~-~ r . . . B PUBLIC LICENSES (PilOT. REAL ESTATE. ETC ) None Found C COUNTY VOTER REGISTRATION: N/A ADDITIONAL INFORMATiON ON SUBJECT - A DATE OF BIRTH- 07/52 ~~ ~ ----- AFFIANT .. NOTARY SEAL" Kristine M. Scott. Notary Public 51. Louis County. Slate of Missouri My Commission Expires 91212002 Players National Locator 113 Old State Road, Suite 104 St. Louis, MO 63021 Phone' (636) 230-9922 Fax: (636) 230-0558 .,. 1 ZI9-~ lO/lO'd BBI-l mOOEZ9E9 NOI1VI30SSV S~3^V'd-WOJ~ welZ: II ZO-OZ-Je~ '"ll$.. (') '-=-~ r- ,- ..::-. ".'." ,-r. L~! i ~ :) =2 , . '- . i' " , , :! ".".) (,,) ::lJ ~ 1""~~l"*"lU)_I~,~IJrei"l""l,,,,_,=.,,~,~~~.~,,,,,,,,,,,,,,,,~~,!'IY"''';:!'!\'"'''>l!''1'f",~"i!ll~t':n~ii!~,~'~~\I:..~~~~;;Y!'li~,"'~~n~ifA"""", ~..",~~ c'':'''' , .- COMMONWEALTH OF PENNSYL V ANlA } COUNTY OF CUMBERLAND SS: I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify that the Sheriff's Deed in which Bank of America. LLC is the grantee the same having been sold to said grantee on the 5th day of June A.D., 2002, under and by virtue of a writ Execution issued on the 26th day ofSeotember, AD., 2001, out of the Court of Common Pleas of said County as of Civil Term, 2000 Number 4679, at the suit of Bank of America. NA against Janet E Bentz is duly recorded in Sheriffs Deed Book No. 252, Page 3753 IN TESTIMONY WHEREOF, I have hereunto set my hand and seal of said office this /9 ~ay~, AD. 2002.. Recorder of Deeds - ~ ~ ,~ 'e ~- - , h .' f~~~. .j , Bank of America VS Janet E. Bentz In The Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2000-4679 Civil Term R Thomas Kline, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant, to wit: Janet E. Bentz, but was unable to locate her in his bailiwick. He therefore returns the within Real Estate Writ, Notice and Description as NOT FOUND as to the within named defendant, Janet E. Bentz. A check a the Post Office revealed the defendant moved and left no forwarding address. Kenneth E. Gossert, Deputy Sheriff, who being duly sworn according to law, states that on January 3, 2002 at 6:30 o'clock P.M., E.D.S.T., he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Janet E. Bentz at 703 Cedar Ridge Lane, Mechanicsburg, P A 17055, according to law. 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 within described premises at public venue or outcry at the Court House, Carlisle, Cumberland County, Pennsylvania, on June 5' 2002 at 10:00 o'clock A.M. He sold the same for the sum of $1.00 to Attorney Bonnie Dahl for Bank of America, LLC. It being the highest bid and best price received for the same, Bank of America, LLC of 475 Crosspoint Parkway, Getzville, NY 14068, being the buyer in this execution paid SheriffR Thomas Kline, the sum of$834.47, it being costs. Sheriff's Costs: Docketing Poundage Posting Bills Advertising Acknowledging Deed Auctioneer Law Library Prothonotary Service Certified Mail Levy Surcharge Postpone Sale Law Journal Patriot News Share of Bills Distribution of Proceeds Sheriff's Deed $30.00 16.36 15.00 15.00 30.00 10.00 .50 1.00 13.00 1.66 15.00 20.00 20.00 297.95 270.30 24.20 25.00 29.50 $834.47 paid by attorney 07/11/02 - '. Sworn and subscribed to before me This ;UJ ~ day of r;."r4Y 2002, AD. Q:fu" ()~ 7h,j'j'L)~ rothonotary ';~"" So Answers: ~~,,-t:p~ R Thomas Kline, Sheriff By\1~~ Real Estate eputy v ~ 3o.vi J.5O Ci<- Y1:3'11 tu. J). 4('~1 .~ ~ . WRIT OF EXECUTION and/orAlTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO. 00-4679 CIVIL 19 CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: Bank of America, NA To satisfy the debt, interest and costs due PLAINTIFF(S) 'i/anet E. Bentz, 703 Cedar Ridge Lane, Mechanicsburg PA 17055. rom (1) You are directed to levy upon the property of the defendant(s) and to sell at 703 Cedar Ridge Lane, Mechanicsburg PA 17055. - C1escrlptlon. ) DEFENDANT(S) Real estate located (See attached legal (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notffy the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is/are enjoined from paying any debt to or for the account of the defendant(s) and trom delivering any property of the defendant(s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to nomy himlherthat he/she has been added as a garniShee and is enjoined as above stated. Amount Due Interest AllY'S Comm Ally Paid Plaintiff Paid $127,984.09 $1,809.44 L.L. $.50 $1.00 % Due Prothy Other Costs $72.00 Date: Setpember 26, 2001 CURTIS R. LONG Prothonotary, Civil Division ~. by: ~t" 0. )')1100.., REQUESTING PARTY: Name Bonnie Dahl, Esq. Address: 1020 N. Kings Highway, Cherry Hill NJ 08034 Plaintiff Deputy Ste 210 Attorney for: Telephone: (856) 755-1260 Supreme Court ID No. 79294 f '~"O'<':rr~~ _,' ,""","~~ "'~,' ':' ! -. - ~=--~ "" . . --I ~~, ~ I REAL ESTATE SALE No, '3 On October 25,2001, the sherifflevied upon the defendant's interest in the real property situated in Upper Allen Township, Cumberland County, P A, known and numbered as 703 Cedar Ridge Lane, Mechanicsburg, and more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: October 25,2001 By: :}rWS~ Real-Estate Deputy ,,:\6 "' \ \~", .A \ CJ '(,s, '\ ~\\\.\1' \ ," , ,,' ~1 &\S c \. ,.oJ \ \)? \';\:\ ~\) \\ -'<. ,~;".\', \\'., ,,' ,. -~ . i~"~ '\"-..... ... )..!-",:\,\'o ,",'<0- ,> .. " ~ CVil c:;:j!i] c;:::::J Gi) lriiiJ ,~ ." .."......,~"1fI _ r~' .....~,~ .r ~k~,~~'" _~~!lIl'l~~~'!1I-m'f"'1p!~'f!Ohr"'1l:lilf>ruIi~<J'~\ffi'~W~~\lilWE~f"'.l!fi'I'P;W''''''Fq~~IiI'~'''''''_Il!l!Jl'll~'' . ~ SPEAR 8l. HOFFMAN, P.A. BY: BONNIE DAHL, ESQUIRE ATTORNEY LD. NO. 79294 1020 N. KINGS HIGHWAY, SillTE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTWF BANK OF AMERICA, NA PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO. 00-4679 CNIL JANET E. BENTZ DEFENDANTS AFFIDAVIT PURSUANT TO RULE 3129.1 BANK OF AMERICA, NA, Plaintiff in the above action, by its attorney, BONNIE DAHL, 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 703 CEDAR RIDGE LANE, MECHANICSBURG, P A 17055: 1. Name and address of Owner(s) or Reputed Owner(s): JANET E. BENTZ 703 CEDAR RIDGE LANE MECHANICSBURG, P A 17055 2. Name and address of Defendant(s) in the judgment: JANET E. BENTZ 703 CEDAR RIDGE LANE 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: BANK OF AMERICA, NA 475 CROSSPOINT PARKWAY GETZVILLE, NY 14068 CORlNTHIAN MORTGAGE CORP. 5700 BROADMOOR, SUITE 500 MISSION, KS 66202 5. Name and address of every other person who has any record lien on the property: NONE .91" -If ~~ ~ 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: CEDAR RIDGE HOMEOWNERS ASSOCIATION C/O STEPHAN EDDY PO BOX BVoxz265 MECHHANICSBURG, P A 17055 DOMESTIC RELATIONS P.O. BOX 320 13 N. HANOVER ST. CARLISLE, P A 17013 COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE - LIEN BUREAU OF COMPLIANCE DEPT. 280946 HARRISBURG, PA 17128-0946 ATTENTION: SUE BLOUGH CUMBERLAND COUNTY TAX CLAIM BUREAU 1 COURTHOUSE SQUARE CARLISLE, P A 17013 LISA M. GRASON, ESQUIRE AS ATORNEY FOR JANET E. BENTZ C/O TURO LAW OFFICE 28 SOUTH PITT STREET CARLISLE, PA 17013 CAROLYN MCQUILLEN TAX COLLECTOR 1044 PINE ROAD CARLISLE, P A 17013 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) 703 CEDAR RIDGE LANE 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. g4904 relating to unsworn falsification to authorities. SPEAR&HOF~;J 8AHL, ESQUIRE Attorney for Plaintiff ~,._.>- -"~ >..> 'f" - REAL I!IS'PATE _ NO.3 Writ No. 2000-4679 Civil Bank of America. NA vs. Janet E. Bentz Atty.: Bonnie Dahl ALL TIIAT CERTAIN piece or par- cel of land situate in Upper Allen Township. Cumberland County, Pennsylvania, more particularly bounded and described as follows. to-wit: BEGINNING at the point of in- tersection of the northerly right-of- V<a!lline of Cedar Ridge Lane. a pri- vate street. (50 feet wide) and di- vi~ line between Lots Nots. A-2 and A-3; thence along said dividing line North 31 degrees 56 minutes West. a distance of 85 feet to a point at the common open space: thence along common open space South 58 degrees 4 minutes West a distance of 24 feet to a point at the dividing line between Lots Nos. A-I and A-2: thence along said dividing line South 31 degrees 56 minutes East a dis- tance of 85 feet to a point on the northerly right -of-V<a!lline of Cedar Ridge Lane; thence along said right -of-way line North 58 degrees 04 minutes East. a distance of 24 feet to the point and place of begin- ning: being Lot A-2 on the Final Subdivision Plan for Cedar Ridge Townhouses prepared by John C. Brlthart. Surveying and Mapping Services. as revised on January 15. 1978, recorded in the Cumberland County Recorder of Deeds Office in Plan Book 32. page 73. BEING TIlE SAME property con- veyed by Rocca A. Ortenzio and Nancy Ortenzio. Husband and WIfe to Janet E. Bentz, Single Person. by deed dated 5/24/94 and re- corded 6/6/94 in Cumberland County Recorder of Deeds. Deed Book Volume 106. Page 612. HAVING THEREON EREcrED a two-story townhouse dwelling unit known and numbered as 703 Ce- dar Ridge Lane. Mecbanlesburg. PA 17055. Property ID# 42-24-0792-001B. ,C_,,'_ '"--" ,-~ PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L,1784 STATE OF PENNSYL VANIA : ss. COUNTY OF CUMBERLAND : Roger M. Morgenthal, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication 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: JANUARY 25, FEBRUARY 1, 8, 2002 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 8 day of FEBRUARY. 2002 NOTARIAl. S LOIS E. SNYDER. N~ ~~L CariisilI Bow. Cum!Je,..... """,. My ComI\1i8SIOII Expires March 5. 7'" . , r~ ...mmrn~ILERaCTED a two-stol)' _. ~Wtillip..[ uni.~ k,nQWO and numbered as .- RRIge. Lane, Mecl1anicsbuq:, PA I7035.' _ _ . Property ID #42-244.0792-00IB. , " THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Michael Morrow being duly sworn according to law, deposes and says: That he is the Ass!. Controller of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot-News and The Sundav Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuousiy 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 29th day(s) January and the 5th and 12th day(s) of February 2002. That neither he nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and ' That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of auphin in Miscellaneous Book "M", Volume 14, Page 317. PUBLICATION COpy s ALE #3 Sworn to and subscribed Notarial Seal Tony L. Ru"OlI, NotaJy Public Hantsburg, Dauphin COUnty My Comnllsslon Expires Juna 6, 2002 NO ARY PUBLIC Member, Pannsylvanla Association 01 Notaries My 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) $ Totai $ 268.80 1.50 270.30 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. By.................................................................... -~I1Il'l'H_~ ~~