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Home My WebLink About97-00510 SIWrnI-F'S r;L'IlJl,11 ' I;[[',ULAI, , ~ " ! , , ! I CAS~ NO: 1997-~051~ P CUMMUNW~ALTH UI- r~NNSYLVANIA: CUUNTY UI- CUMIl~nLANO UN ['1'1.:0 CIJMPAN IES U:NOING CUEL VS. DAVIS THIJMAS I. SR ~T AL KENNI-:TH ":. I;IJSSI-:RT . Sheriff or Deputy Sher1ff of C:UMBERI,ANP County, Pennsylvania, who be1ng duly sworn according to Jaw, says, the within ~iJMPI.A INT - MIJRT FURE was served upon I)AV[:; VlIWINIA R defendant, at 1'1'17.:00 HOURS. on the 7th day of February t.he 1 YY/. at 1~00 WEST SUUTH :5TRI-;I.:T CAllI.ISU:,. PA 1"101:3 County, Pconnsylvani.a. by hand1ng to VI~I;INIA DAVIS a t.ruco and attested copy of the CIIMI'LA INT - MIJRT I-URI-: _.CUMBERI.AND -' " together with NUT ICE and at the same time direct1ng Her attention to the contents thereof. Sh.-,riff's Costs: Docketing SC-Jrvice Affidavit Surcharge 1-;.00 J. 10 .00 2.00 So answ~9;:":;" //.~ r%-r>--.n;-..::(, -f-....:<--..<:.-~ ~. I homas K11ne. Sher111 .Jl. 10 MARK J. UDREN ."'.'::9' ~"~~ :~"'lJrn ~nd subscri.bed to before me th i.s j t.- q,. day of J.-J...... I \9 '11 A.D. ~l... c.~ 'f1'--'--Pr,j t hono ta+~ . SH~UI~F'S RlTURN - ~CGULAU CAS~ NU: 1~91-~~51~ P CLlMMUNW~;AI.TH IJF PI::NNSYL V AN 1 A: CIJUNTY UF CUMtl~;RLAND UN [n:D CIlMPANH:S L~:NDINI; CURP VS. DAV[S THIlMAS I. SR F:T AL K~NN~TH ~. GUSSERT CUMDEI/l.AN[) County, Pennsylvania, who to law, says, the within CUMP'-AINT - upon DAVI:5 THOMAS I. SR . ShQr1ff or Deputy Sher1ff of being duly sworn according MUHT FOR~ was served the defendant, at 142:;:00 HOURS, on the 7th day of F0hru~ry 1'7'71 at 1:3:l NURTH WEST STR~;ET CAI/I. [SU:" PA 1 '701:3 _, GIIMBERI.AND -' CIJlJnty, I'Qnn:3yl v~ni.~, by h~n,llng to) THOMAS L. [lAVIS, SUo a lrue and attested copy of the together with NUTlCE and at the same time directing ~is attention to the contents thereof. 1;IJMI'LAlNT - MIJRT FIJfl~; -' ShQriff's Costs: Docketi.ng Scrvice Affidavit Surcharge 113.00 :3.10 .00 2.00 So answers.} . /// ;-"'I"? P ,(///. .~ r~ ~.c.,........~ -;:.1':......0<.1. H. I homas Kl1ne, Sher1tt $~j.10 MARK J. UDREN 02/10/1997 by .~'{J( Sworn and subscriber! to before me this J(. ~ d~y of :J-<-.t.. - 1 l':l '11 ^. D. "-- 'Iv)"-^- Q. 'Nt.. j'~ 'v A O...:i: 7 Prothonotary'-r-7 MARK J. UDREN, ESQUIRE ATTY. 1.0. NO. 04302 1700 SANSOM STREET, 6TH FLOOR PHILADELPHIA, PA 19103 (215) 568-9500 ATIORNEY FOR PLAINTIFF J ~ f .. I . .. United Companies Lending Corporation P.O. Box 1591 Baton Rouge, LA 70821-1591 Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION v. Thomas L. Davis, Sr. Virginia R. Davis 453 N. West Street Carlisle, PA 17013 CUMBERLAND COUNTY NO. (77- !J ILl O.(C~ L_ Defendant(s) CIVIL ACTION COMPLAINT IN MORTGAGE FORECLOSURE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages / you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYERS REFERRAL SERVICE COURT ADMINISTRATOR 4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013 (717) 240-6200 f NOTICE .:, The amount of yo or debt is os stated In the IIUllched documcnt. The nome orthe credllor to whom the debt Is owed Is 115 nnmed in the nUllched document. Unless you nollfy us within 30 dnys after receipt of this Notice nnd the aunched documentthnlthe vlllidlty of the stilted debt, or nny portion of it, Is dlspuled, we wllll15sume thntthe debt is vlllid. If you do notify us in wrltlnl\ of II dispute within the 30 dny period, we will obtnin verllicnlion of the debt or n copy of II judl\ment nl\lIinst you, nnd mnUIt to you. Also, upon your wrlllen requcst within the 30 dny period, we will provide )'ou with the nllme nnd nddress of the oril\innl ercdltor if different from the currcnt crcditor. If you notify us In writing within the 30 dny pcriod liS stilted nbove, we wiil cellse collection of your debt, or nny disputed portion of it, until we obtnin the informntlon lhllt is required nnd mnUIt to you. Once we hnve mniled to you the required informntion, we wiilthen continue the collection of)'our debt. This Notice nnd the nUnched document is nn nllemptto collect n debt, nnd nny Informntion obtnlned will be used for thnt purpose. LAW OFFICES OF MARK J. UDREN /s/ Mnrk J. Vdren, Esquire 1700 Snnsom Street, 6th Floor Philndelphin, PA 19103 (215) 568-9500 1. Plaintiff is the Corporation designated as such in the caption on the preceding page. If Plaintiff is an assignee then it is such by virtue of the following recorded assignments: Assignor: United Companies Lending Corporation Assignments of Record to: Bankers Trust Company of California, N.A. Assignor: Bankers Trust Company of California, N.A. Assignee: United Companies Lending Corporation Recording Date Lodged for Recording Book Page 2. Defendant(s) is the individual designated as such on the preceding page, whose last known address is as set forth in the caption, and unless designated otherwise, is the real owner(s) and mortgagor(s) of the premises being foreclosed. 3. On or about the date appearing on the Mortgage hereinafter described, at the instance and request of Defendant(s), Plaintiff (or its predecessor, hereinafter called Plaintiff) loaned to the Defendant (s) the sum appearing on said Mortgage, which Mortgage was executed and delivered to Plaintiff as security for the indebtedness. Said Mortgage is incorporated herein by reference in accordance with Pa.R.C.P. 1019 (g). The information regarding the Mortgage being foreclosed is as follows: MORTGAGED PREMISES: 453 N. West Street MUNICIPALITY/TOWNSHIP/BOROUGH: Borough of Carlisle COUNTY: Cumberland DATE EXECUTED: 1/27/94 DATE RECORDED: 2/2/94 BOOK: 1194 PAGE: 913 The legal description of the mortgaged premises is attached hereto and made part hereof. 4. Said Mortgage is in default because the required payments have not been made as set forth below, and by its terms, upon breach and failure to cure said breach after notice, all sums secured by said Mortgage, together with other charges authorized by said Mortgage itemized below, shall be immediately due. 5. After demand, the Defendant(s) continues to fail or refuses to comply with the terms of the Note as follows: (a) by failing or refusing to pay the installments of principal and interest when due in the amounts indicated below; (b) by failing or refusing to pay other charges, if any, indicated below. 6. The following amounts are due on the said Mortgage as of October 8, 1996: Principal of debt due and unpaid Interest at 10.99% from 03/01/96 to 10/08/96 (the per diem interest accruing on this debt is $12.43 and that sum should be added each day after 10/08/96) Title Report Court Costs (anticipated, excluding Sheriff's Sale costs) Escrow Overdraft (The monthly escrow on this account is $52.09 and that sum should be added each month after 11/1/96) Non - Escrow Overdraft Late Charges (monthly late charge of $32.63 should be adaed after 09/15/96) Attorneys Fees (anticipated and actual to 5% of principal) TOTAL: $41,291.00 2,759.46 250.00 280.00 300.36 7.75 195.78 2.064.55 $47,148.90 7. The attorney's fee set forth above are in conformity with the mortgage documents and Pennsylvania law, and will be collected in the event of a third party purchaser at Sheriff's Sale. If the mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged in accordance with the reduction provisions of Act 6, if applicable. 8. Notice of Intention to Foreclose under Act 6 of 1974 of the Commonwealth of Pennsylvania has been sent to each Defendant, certified mail, in accordance with the requirements of that act, and copy(s) are attached hereto as Exhibit "A" and made part hereof. The notice specified by the Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983, has been sent as required on the date appearing on the copy attached hereto as Exhibit "B", and I Defendant(s) have failed to proceed within the time limits, or has been determined ineligible, or Plaintiff has not been notified in a timely manner of Defendant(s) eligibility. WHEREFORE, the Plaintiff demands judgment against the Defendant herein in the sum of $47,148.90, plus interest, costs and attorneys fees as more fully set forth the Complaint, and for foreclosure and sale of the Mortgaged premises. #~ ~ MARK J. UDREN, ESQUIRE Attorney for Plaintiff Attorney I.D. No. 04302 .-.. _. Idded 10 whatever )'011 owe the lander, wb.:h m~ else Ir.:luje coun COli' IDd variouI inMMnto' C_ IIIOdaIllll with the~, /l)'Ollcure the defaull",lhiD tbc THIRTY (30) DAY periocl)'Oll will 1101 be rcquln:d 10 pi)' .nomey', rea or &ddiliollll coun COIwr_, The ICDdIr rqy We IUe )'011 pmollll1y COf the 1IIIpIid pnndpal ba1&nce IDd &II other I\IIIlI due lIIICIel!be 1fIDItIqI. ' .. 1f)'Oll have DDI c:un:d the cIc:f&Ull within \he 11iIRTY (30) DAY JlCfiod loci Con:clOllUC p"v....lI"BJ 11M bccun. )'011 Ili1I b&vt \he n&IU 10 cure Ihe ddlIult aDd pmoml the IIIc AI &II)' lime up 10 ODe IIout belbR tbe Shtritr, or 0Ibct IUIIiI&z o1IIciaI Conc;lOIlIR IIle, You ruy do 10 by payUlS tbe 101lIlIIIOIIIIt or the lIlIpIid lllOIIthly pIyDlIII\I phil &II)' late or lIlbcr c:!wJCIlbc:n clue, .. Mil '1 the _-,"If 1ItOtIlcy', !loci lIId COItI ~ with the l'DrccIaIun: we lIIld pafonu &II)' 0Ihcr requiRmcDla \IIIdcr !be morlp&'c, II iI Cl\im&1llII thaI !be cullCll cI&lC that IUCh a ShaUrl or othct IimII&r aIIIciaI we will be ICD\ 10 )'011 bdbn \be &ale. Of CIOUJ'IC, the &IIlOIIII1 DCeCIed 10 CUR tbc cIdlluIl will UlCrQIC the IllIIF)'OII wall You rqy tIDcI 0111 at &II)' time P&CtIy whal the rcqwml paylllCnl will be by c:aIIlnS us AI the followillSIlUlllber; (800) W.9m2, TIIiI JlI)'tIIIIlt IlllIII be cub. caabicr', cIxcIt, ccrtlftocI check or mollC)' ordct lIld IIIIIde JlI)'&blc 10 III &t the IlddtellIlaICd Ibovc. You IbouId realize that a Shcrilr. or other IimlIar otIlciaI uJc will end )'OU OWIlCfIIup of'tbc lIIOItpJCd p.~l)- lIld yew npllo rcnWn in II 1f)'Oll continue 10 Irvt in the prvpeny aftu the Shcrilrs or other IimII&r IlIIDcI&llIIe, a lawauil oouId be IWUd 10 CVIC\ )'011. YOII IhI1I 11m: the rishllo '1ICr\. 10 \he fotccIorure pt""-";hl', the DOn-exiltcoc: of'l dcCIuIt or lily other ddl:nJc that)'OlllDly have 10 .a:eleraliou or foReJ05Ure You have odditill"al righu 10 help ptO\CC\ yew inIcrcII in the propcny, YOU HAVE mE RIGHT TO SELL mE PROI'EJlTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT. OR TO BORROW MONEY fROM ANO'IHER LENDING INsnnrrJON TO PAY OFF 1liIS DEBT. YOU MAY HAVE mE RIGHT TO SELL OR. TR.ANSFER 1lIE PROP!!RTY SUBJECI' TO THE MOR.TGAGE TO A BUYER OR TR.ANSFEIU!E WHO WR.L ASSUME 1lIE MORTGAGE DEBT. PROVJOEO THAT ALL THE OUTSTANDING PAYMENTS. CHARGES AND A!TORNEY'S FEBS AND COST ARE PAlO PRIOR TO OR AT 1lIE SALE. AND THAT mE 0llmR. REQUlREMENTS UNDER. lHI! MORTGAGE ARE SATISFII!O. CONTACI' US TO DETERMINI! tlNDER WHAT CIJlCUMSTANCES TInS RIGHT MlGHI' EXIST YOU HAVE THE RIGHT TO HAVE nus DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BI!HALP, II)'OII CUR \be def&ul~ the mortpac will be I'CI1orcd 10 the IIIlDC poailion u if 110 cIcCauIl had oc:e:um:d, H_. you DC Illll entitled 10 thiI ripllO CUJV your cIef.uIt _ Ih&n lhm: I1mc:a in &II)' CIICDdar year Very truly )'OUtS, DIt. VID McMILLIN (100) 825-9022 PA_ACI'_6,DOC ,-- 1 CI ill .JI .II '" tit :r ! ill, ! c i!d :r I ... ~ I II~ 1111 '" 1II J1LH ! a. !ll I B ~ I J I I Il~ !JW>>~6d I @ 1~1tl,\ ':i..~1 added 10 wlWMr )'OU OWl: tbc lender, wludlllll)' alJo 1lldu4c: CIl\II\ mlIl11d Mll1II iIladaIlII rea -...lmd Yt'IIb IllcfaRclolurt, 1I)'IN~ tbcdcWill "1111i11\he THIIlTY (30) DAY pcnod)'VII wlIlllOl be rcquiIod III pay .aomcy'. rea or IlI4itioDal c:ouJt c:osIIICoa The ICDder GlI)' alJo IIIe )'IN pncmally for \he IIIIpIld priIlt:iJlll b&1aIlQC aDd alllllhcr IUlIlI clue IIlldcr Ibe 1lIIlrIII&C, .,-. .. 1/')'011 blYllIDt curocIlbt cIIfauIl within tbc THIIlTY (30) DAY penod aDd tom:lOI1II'C JIl'Y"""'i... baYC btpA. )'011 IlW baYC \he nJbllo C1IR t.bc dtAliJt and pm'aII\he III. It 11I7 lime lip to 0lIC boIIr IIelbni tbc 6bcrilr'. or olIIer IilnIIar gfftdal fmcloIure III&. V01II111Y do 10 by JlI7!III tbc llllaI _ of \he \IIIPIId IIIlIIIlhIy ~ pJOIIlJ'f Iall or oIher cbup lheD dIie, U MlJ u the realONblc .llOmCy'. rea &lid COIlI......~ with lbc fuRclOl1lR III. IIICI perform lIlY lllhcr RqIlir1:mellU IIlldcr tbc 1IlOl1pp. II II -motnd IIlIt lIIe III'Ilal cIItI tballllCh . SbcrIII'. or olIIer IimIIu al!lcIaJ IIIc will be ICIIIlo )'011 bclbn: lIIe IIIc. or c:oune. the IIIIOUIll DCedeJ III = tbc dcfallll will ancreue \he I~)'OII WIlt You IIlI)' IIDd OlIlltllJ'f tlmc c:uclIy wIIIl t.bc Rq1IIRd peyIIlCDI will be by ~ us .1 the foUowiIIJ 1IlIlIlbtr: (100) 12'-9011. ThiJ ~ IIlIISt be l:'lIIh, cubiu'. tb<<1k. ~ chccIt or IIlOIIIy order and IlIIdc Jl8)'IbIe to 0I1l1bt IddteIIIlIUd 1lxM, Youllloald ~ thIl. SbcrIII'. or olbet IilIIiIar omciaIlllc will CIld you ownership of the IIllII1ppd prgpcrl)' 11II1)'011I' ricbt 10 I'CIIlIiD In It. 1I)'IN mnh."" to Jive in the propat)'lller lbc: SbcrIII'l or olbet Iiml1Ir alIIc:iaI..... .1aMui1 eovJd be JWIod 10 c:vil:t you. VOII IbI1I bIYl: lbc: n,hl to IIIIrt, in the CorecloIure ~i..., Ibe IIO/l-cxlllml;c of a dcliIiI1 or III)' olber dIferJae thIl)'IN IIIIY 11m: to IICCdcraliOll 01 flltCiClolure, You blYlalillODll ricJllllo belp prOlICl )'011I' in_ in Ibe property. YOU HAVE utE RIGHT TO SELL nm PROPERTY TO OBTAIN MONEY TO PAY OFF nm MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING lNSiTTUTlON TO PAY OFF nus DEBT. yOU MAY HA VI! nm RIGHT TO SI!LL OR 11tANSfER !HI! PROPERTY SIJDJECT TO 1l{E MORTGAGE TO A BUYER OR 'TRANSI'!REE WHO WILL ASSUME utE MORTGAGE DEBT, PROVIDED 1llAT ALL 1m! OUTSTANDING PAYMENTS. CHARGES AND ATTORNEY'S I'EES AND COST ARE PAID PRIOR TO OR AT nm SALE, AND THAT nm OTHER REQUlRI!MI!NTS UNDER 1m! MORTGACiE ARE SA11SFIED. CONTACT US TO DETERMINE UNDER WHAT C1RCUMSTANCI!S mrs RIGHT MIGHT EXIST. YOU HAVE nm RIGHT TO HAVE nus DEFAULT ctlIlED BY AN'( TImID PARTY ACTING ON YOUR BEHALF. 11 you CIIIC lbc: dcCauIt, the IIlIll1pp wlIl be rcslllRcIto the _ position u if DO defaull bad oa:umd. HDwMr,)'OIIIlI DOl cnlillcd 10 this riabt to C1IR)'OIII' defaWt 1IIOte!bln three timcli in III)' caICDdIr year. Vczy truly)'Olll'l, ~ ~ I, ; jll : 'I" II !I :1& , ! i J tit .. f . .! I h~11 .. I I J! II ; I .! = I j J J lm_~Sd .I DAVID Ml:MILLIN (100) W-9022 PA_ACT_6.DOC '=V- I ( ~. UNITED COMPANIES LENDING CORPORATION P.O, Box 1'91 . Balon Roul', LA 70821.1'91 . Phone <'04) 924-6007 _. IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 '0 PLEASE READ THIS NOTICE. YOU MAYBE ELlGmLE FOR FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS Date: September 3, 1996 CERTIFIED MAll.1IP531399818 TO: VIRGINIA R DAVIS 453 N WEST ST CARLISLE, PA 170131960 RE: LOAN #34403650168 COLLATERAL LOCA TJON:SAME Dear Borrower: Your mongage is in serious default because you have failed to promptly pay installments of principal and interest, as required, for a period of at least sixty (60) days, The tolal amount of the delinquency is $4,295.58, which sum includes the following: monthly installments due from 4/01/96 to 9/01/96, plus any late charges or escrow payments due during the same period. You may be eligible for financial assistance that will prevent foreclosure on your mongage if you comply with the provisions of the Homeowners' Emergency Assistance Act of 1983 (the. Act.). You may be eligible for emergency temporary assistance if your default has been caused by circums1al1CCS beyond your control, and if you meet the eligibility requirements of the Act as delennincd by the Pennsylvania Housing Finance Agency. Please read all of this Notice. It contains an explanation of your rights, Under the Act, you arc entitled to a temporaty stay offoreclosure on your mongage for t1urty (30) days from the date of this Notice. During that time you must arrange and attend a fact-to-face meeting with a representative of UNITED COMPANIES LENDING CORPORATION (nereinafter we, us or our), or with a designated consumer credit counseling agency. The purpose of that meeting is to attempt to work out a repayment Plan. or to otherwise settle your delinquency. That meeting must occur in the next thirty (30) days, lfyou attend a face-to-face meeting with our representative, or with a consumer credit counseling agency identified in this Notice, no funher proceeding in mongage foreclosure may take place for thirty (30) days after the date of this meeting, \-rrr j :' The name, address and telephone number of our representative is: '. ~J.UDREN,ESQUIRE N.W. CORNER, 19TH & DELANCEY STREETS 306 S. 19TH STREET PHILADELPHIA, PA 1910~IS Telepbone II (215) 732-4400 _. '. The names and addresses of a designated conswner credit counseling agencies arc ineluded on lite allaehed list. It is only necessary to schedule one face-to-face meeting, You should advisc us immediately of your intentions, If you have tried and arc unable to resolve this problem at or after your face-to-face meeting, you have lite righl to apply for financial assistance from lite Homeowner's Emergency Mongage Assistance Fund, In order 10 do this, you must fill ou~ sign and file a completed Homeowners' Emergency Assistance Application willt one of lite designated conswner credit counseling agencies listed on lite allached list, An application for assistance may only be obtained from a consumer credit counseling agency, The conswner credit counseling agency will assist you in filling our your application and will submil your completed application 10 lite Pennsylvania Housing Finance Agency.. Your application must be filed or postmarked witbin tbirty (30) days of your face-ta-face meeting. It is extremely important tbat you file your application promptly. If you do not do so, or If you do not follow tbe other time periods set fortb in tbis letter, foreclosure may proceed against your bome Immedia.ely and you will forfeit your eligibility for auistancc. .. Available funds for emergency mongage assistance arc very limited. Thcy will be disbursed by the Agency under lite eligibility criteria established by lite Act. It is extremely important that your application is accurate and complete in every respect. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application, During that additional time, no foreclosure proceedings will be pursued against you if you have met lite time requirements sct forth above, You will be notified dircctly by that Agency of its decision on your application, The Pennsylvania Housing Finance Agency is located al2101 North From Street. P.O. Box 8029, Harrisburg, PA 17105, Telephone # (717) 780-3800 or (800) 342-2397 (toll free number), Enclosed is another notice from this office under Act 6 of 1974, That notice is called a "Notice of Intention to Foreclosc", You must read both notices, since IItcy both explain rights that you now have under Pennsylvania law. However, if you choose to exercise your rights described in this notice, we cannot foreclose upon you during that time, Also. if you rcecive financial assistance from the Pennsylvania Housing Finance Agency. your home cannot be foreclosed upon while you arc receiving that assistance. DAVID R MCMILLIN (800) 825-9022 iii :E. ~f ~i ~ f~~ m cn-~ Ll1 iI a... Q. ii~ iil l1. g.5 ~a:~ oQ ~ oQ I ;; : 1 I I .. tll i I ) j ... ... I .. !J I ~ "- n .! .. I'l .! I S .. I I I J ~ ... I .. ~ I 1l I ; .! U II f a , , .. ~ f J 'II ~ J , 2.!! j E H I " - Ji , 8l ~ I :f l- g r "- Ii? "- se61 IUdy D08e WJOd Sd Sincerely, Enclosure PA_Ac:nI.OOC IT" IT" m The name, address and lelephone number of our representative is: _. -. MARKJ. UDREN, ESQUIRE N.W. CORNER. 19TH & DELANCEY STREETS 306 S. 19TH STREET PIlILADELPHIA, PA 19103-6615 Telepbone II (215) 732-4400 The names and addresses of a designated consumer credit counseling agencies arc included on the allacbed list. 11 is only necessary to schedule one face-Io-face meeting, You should advisc us immediately of your intentions, If you have tried and arc unable to resolve this problem al or after your face-Io-face meeting, you have the righl to apply for financial assistance from the Homeowner's Emergency Mongage Assistance Fund, In order to do this, you must fill out. sign and file a completed Homeowners' Emergency Assistance Application with one of the designated consumer credit counseling agencies listed on the allached list. An application for assistance may only be obtained from a consumer credit counseling agency, The consumer credit counseling agency will assist you in filling our your application and will submit your completed application to the Pennsylvania Housing Finance Agency.. Your application must be filed or postmarked witbin tblrty (30) days of your faee-ta-face meeting. It Is extremely importanl tbat you file your application promptly. If you do nOI do so, or if you do nOI follow the otber time periods set fortb in tbis lener, foreclosure ma)' proceed against your borne immediately and you will forfcil your eligibilit), for assistance." Available funds for emergency mongage assistance are very limited, They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely importanl tbat your application is accurale and complete in every respect. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decisinn after it receives your application. During that additional time. no foreclosure proceedings will be pursued againsl you if you have mel the time requirements SCI fonh above, You will be notified dircct1y by thaI Agency of its decision on your application. The Pennsylvania Housing Finance Agency is localed at 2101 Nonh Front Street, P.O, Box 8029, Harrisburg, PA 17105, Telephone # (717) 780-3800 or (800) 342-2397 (loll free number), Enclosed is another notice from this office under Act 6 of 1974. ThaI notice is called a 'Notice of Intention to Foreclosc'. You must read both notices, since thcy both explain rights thaI you now have under Pennsylvania law, However, if you choosc to exercisc your rights described in this notice, we cannot foreclosc upon you during that time, Also, if you receive financial assistance from the Pennsylvania Housing Finance Agency, your borne cannot be foreclosed upon while you arc receiving that assistance. Sincerely. .. !! - ~ III .. ;1; ~a. ~ g: Glf~ : i~H ~ U)o.e i a.1~h: !!la:~8.ll ~ tit tit DAVID R. MCMILLIN (800) 825-9022 ~ .... oQ Enclosure PA_ACT9l.DOC .. I'l .. Jl ~ I n II ! ~ f IllInB i 566L I~dv '009& WJO~ Sd I ~ .. ~ ~ ~ .. V E R I F I CAT ION The undersigned, an officer of the Corporation which is the Plaintiff in the foregoing Complaint or an officer of the Corporation which is the servicing agent of Plaintiff, and being authorized to make this verification on behalf of the Plaintiff, hereby verifies that the facts set forth in the foregoing Complaint are taken from records maintained by persons supervised by the undersigned who maintain the business records of the mortgage held by Plaintiff in the ordinary course of business and that those facts are true and correct to the best of the knowledge, information and belief of the undersigned. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Date: / ~r /?7' I I t!~ I Name: Olristman MJrgan Title: Litigatim Spacialist Company: Ulited CaTpanies Lerdlrg Corporatim t . r \0 \.... 1 ! ('~ , " ( i i'.' , l ! C ,- I - " ; ~i I ; . \ ;.. ~ Lf" , --' ~ \~ , ....." .~ <-) I"" '-J. ' ~ '" ,J ?-) ~ rr<. -- ~ ~ 11 rn ,~ I...,; " ". ,,- '\1 ~ ...... ...:j- ~I \1" ~ '0 >- en f'~ c,. ..' ,.:.:- '. r UJf=-~ co ( ,.,- ): ct~" - .J 1I..' C?:; ,-:,.1 -, , ,-" ..-,'. (" I L:..l' " G:l' j,' ,j ; :..:J 1':',- '.J >~ .- I'- :~) U a- U MARK J. UDREN, ESQUIRE ATTY. I.D. NO. 04302 1700 SANSOM STREET, 6TH FLOOR PHILADELPHIA, PA 19103 (215) 568-9500 ATTORNEY FOR PLAINTIFF Unlted Companles Lendlng Corporatlon P.O. Box 1591 Baton Rouge, LA 70821-1591 Plaintiff v. Thomas L. Davis, Sr. Virginia R. Davis 453 N. West Street Carlisle, PA 17013 COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO. 97-510 CIVIL Defendant(s) DATE: March 4, 1997 TO: Thomas L. Davis, Sr. 453 N. West Street Carlisle, PA 17013 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Courthouse Carlisle, P A 17013 (717) 240-6200 NOTIFICACION IMPORTANTE USTED SE ENCUENTRA EN ESTADO DE REBELDIA POR NO.HABER TOMADO LA ACCION REQUIRIDA DE SU PARTE EN ESTE CASO. AL NO TOMAR LA ACCION DEBIDA DENTRO DE UN TERMINO DE DIEZ (10) DIAS DE ESTA NOTIFICACION, EL TRIBUNAL PODRA, SIN NECESIDAD DE COMPARARECER USTED EN CORTE 0 ESCUCHAR PREUBA ALGUNA, DICTAR SENTENCIA EN SU CONTRA, USTED PUEDE PERDER BIENES Y OTROS DERECHOS, IMPORTANTES. DEBE LLEVAR ESTA NOTIFICACION A UN ABOGADO IMMEDIATAMENTE SI USTED NO TIENE ABOGADO, 0 SI NO TIENE DINERO SUFICIENTE PARA TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA, CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASSISTENCIA LEGAL. SERVICIO DE REFERENCIA LEGAL Cumberland County Courthouse Carlisle, PA 17013 (717) 240-6200 MARK J. UDREN, ESQUIRE ATTY. 1.0. NO. 04302 1700 SANSOM STREET, 6TH FLOOR PHILADELPHIA, PA 19103 (215) 568-9500 ATTORNEY FOR PLAINTIFF Unlted Companles Lendlng Corporatlon P.O. Box 1591 Baton Rouge, LA 70821-1591 plaintiff v. Thomas L. Davis, Sr. Virginia R. Davis 453 N. West Street Carlisle, PA 17013 COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO. 97-510 CIVIL Defendant (s) DATE: March 4, 1997 TO: Virginia R. Davis 453 N. West Street Carlisle, PA 17013 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HEI,P. LAWYER REFERRAL SERVICE Cumberland County Courthouse Carlisle, P A 170 \3 (717) 240-6200 NOTIFICACION IMPORTANTE USTED SE ENCUENTRA EN ESTADO DE REBELDIA POR NO HABER TOMAOO LA ACCION REQUIRIDA DE SU PARTE EN ESTE CASO. AL NO TOMAR LA ACCION DEBIDA DENTRO DE UN TERMINO DE DIEZ (10) DIAS DE ESTA NOTIFICACION, EL TRIBUNAL PODRA, SIN NECESIDAD DE COMPARARECER USTED EN CORTE 0 ESCUCHAR PREUBA ALGUNA, DICTAR SENTENCIA EN SU CONTRA, USTED PUEDE PERDER BIENES Y OTROS DERECHOS, IMPORTANTES. DEBE LLEVAR ESTA NOTIFICACION A UN !\BOGADO IMMEDIATAMENTE SI USTED NO TIENE !\BOGADO, 0 SI NO TIENE DINERO SUFICIENTE PARA TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA, CUYA DIRECCION SE ENCUENTRA ESCRITA !\BAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASSISTENCIA LEGAL. SERVICIO DE REFERENCIA LEGAL Cumberland County Courthouse Carlisle, PAl 7 0 13 (717) 240-6200 :>: C' e:. ,,, j..:' l' J ~.. (~-; ()" .'..( l-l.. - @) ~.~ r '. r:.; :;1 '" (, ii~ l' ...., r~ . .~" .' ,... CJ C' .... ,. '" ~ nl 4' ~~ 1 . ~ ~ ~ .... - ~ 1-: ~ <:) , ) ..... :I 0 ~ ~ <:) '0 ~ . '0 <;) .... ... -.9 .. <:I Q , ~ C"6 Q ~~ "" . ....... ~~ ::t- .... ilU ~ '~, -'~ ~_l U ~~ , , .... ~ .~ ~ .~ ... M UI r-I H 0 ~ r- r-I 0 M II r-I . Z . II O~ 0 ~ II r-~ H II r-I ~ t:l: II .. . H II o .~ Z II 'l' N ~~U1 0 H II r< '" ~ "-' ~ I ~ H ~ ~ II en N gj ~~ 8 H II Z 'l' lD ..:l :> II 0 0 r< "-' II H rz:IUI ~ ~ II B r< N IIlH UI Z II lfl ~~~. rz:I 0 H II l;: ~ !a II ~ i II en rz:IH M 8~ rz:IUl~ <II- <II- <II- <II- <II- <II- ~u 0 ..:l>U1 0 gj ~~ HO r< rz:I ~ r<M OUl en ~E-< UI - 0 ON": rz:IE-< QI~E-< r< 0 rz:I UI ~U1~ UI rz:I ..:l H H E-< JJr<N >< rz:I rz:I ii: E-<H ~ ~ H r< ::t: "-'E-< <ll~ !3~ I !i r~ E-< U1E-< E-< 0 II "-' enri@l 0 ~~U1 S::ZUl -0 OU II :E III ~ ~ ~Z: Qlrz:I t:l:lfl U II 0 OUlE .. "-' H~:E Hen 0 II U ..:l N QI 0 ~ 0 '080 ::t:' r< II E-< ......-1 H>< ~ ~ [g o U10"-'''' lfl II 0 UI III fiilDO'O t:l:::t: H ~O..:llD , II rz:I ~ I rz:I "-'E-< ~ 0 U1MO " lD rz:Ilfl r- II E-< II 0 rz:IEQlH 0 rz:I ~ U1L1lr-l IJIJUI ~ en II H 0 II ~OJJQI U1~ ::t: UI ~'l'1 rz:I ~ II e5 ::t: II ~ rz:IHIll"-' E-<"-' UI UI E-< " . .!o::':OE-< lfl II E-< II ~....o UI UI ~~~ H~OHHr< 0 rz:I 8 0 III r-O::t:N Z ~ H U :E r<U1"-'~ Q '0 n :'-: -.J '" . J , --:: , 'T1 q , - ,--:: "J ,: i1 CI I;' , :,'"") -~ ".. :,1 ,- ," C-' ;111 I , ,. ~J ~ LJ -.; >- c' ;., t; ". ; ~ ~ , Ut!~) <'0 C)- i"::: ~ .. ~ L:.. V , '.;) C.1' l:.t;', ,-; --'I ':,", U:;' -. " --; ,. r- -' 0 l7' U Mark J. Udren, ESQUIRE ATTY 1.0. NO. 04302 MARK J. UDREN & ASSOCIATES 1700 SANSOM STREET, 6TH FLOOR PHILADELPHIA, PA 19103 (215) 56B-9500 UNITED COMPANIES LENDING CORPORATION P.O. BOX 1591 BATON ROUGE, LA 70821-1591 ATTORNEY FOR PLAINTIFF , COURT OF COMMON PLEAS CIVIL DIVISION Plaintiff v. cumberland COUNTY THOMAS L. DAVIS, SR. 453 N. WEST STREET CARLISLE, PA. 17013 VIRGINIA R. DAVIS 1000 WEST SOUTH STREET CARLISLE, PA. 17013 :NO. 97-510 CIVIL TERM Defendant(s) C E R T I F I CAT E Mark J. Udren, Esquire, hereby states that he 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: An FHA insured mortgage Non-owner occupied Vacant X Act 91 procedures have been fulfilled. This certification is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. MARK J. UDREN & ASSOCIATES A~ Mark J. Udren, ESQUIRE ATTORNEY FOR PLAINTIFF >- '- 11": N r-; i-~ .. , , Cl (,1) lLl_ . C)-'-; '. u.::" _h.. C) j,~ ...1 I', -0 (.J' (", It.;.- [I:"~ .... Jill f:.. - I ~ :..1. ", r- :':; 0 cr U Mal.. J. Udren, ESQUIRE 'ATTY 1.0. NO. 04302 MARK J. UDREN & ASSOCIATES 1700 SANSOM STREET, 6TH FLOOR PHILADELPHIA, PA 19103 (215) 568-9500 ATTORNEY FOR PLAINTIFF , UNITED COMPANIES LENDING CORPORATION P.O. BOX 1591 BATON ROUGE, LA 70821-1591 Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION v. cumberland COUNTY THOMAS L. DAVIS, SR. 453 N. WEST STREET CARLISLE, PA. 17013 VIRGINIA R. DAVIS 1000 WEST SOUTH STREET CARLISLE, PA. 17013 :NO. 97-510 CIVIL TERM Defendant(s) AFFIDAVIT PURSUANT TO RULE 3129.1 UNITED COMPANIES LENDING CORPORATION, Plaintiff in the above action, by its attorney, Mark J. Udren, ESQ., sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at:453 N. WEST STREET, CARLISLE, PA. 17013 1. Name and address of Owner(s) or reputed Owner(s) : Name Address THOMAS L. DAVIS, SR. 453 N. WEST ST., CARLISLE, PA. 17013 VIRGINIA R. DAVIS 1000 WEST SOUTH ST., CARLISLE, PA. 17013 2. Name and address of Defendant(s) in the judgment: Name Address SAME AS 1I1 ABOVE 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address NONE 4. Name and address of the last recorded holder of every mortgage of record: Name Address Plaintiff herein. See Caption above. YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. t 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 215-568-9500. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call 215-568-9500. I' \ 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 the 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 within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after. the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHIlRE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Court Administrator 4th Floor, cumberland County Courthouse Carlise, PA 17013 717-240-6200 :>:: ('I 2:~ !'7 '-... ~-- l~j I.JJ ~ .: {)~ , " t,._ l~i ~ , " ,:'< I.' " ('. L:.lr : ~.~.~ , ,-- -', 2; r-- -~. en U .... C") ~ [-: 10.-,1 ~-~ 6j III ~-~ ~ -' ~ ( ). i;;: '. ' (', ,-'l '.:) (" 11_" C'" . L' ;..~ ,:- '- I.'. r- '. , C c;- (; MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, ESQUIRE ATTY I.D. NO. 04302 1700 SANSOM STREET, 6TH FLOOR PHILADELPHIA, PA 19103 (215) 568-9500 ATTORNEY FOR PLAINTIFF United Companies Lending Corporation P.O. Box 1591 Baton Rouge, LA 70821 COURT Of COMMON PLEAS CIVIL DIVISION Plaintiff v. Cumberland COUNTY Thomas L. Davis, Sr. Virginia R. Davis 453 N. West Street Carlisle, PA 17013 NO. 97-510 Civil Defendant(sl NO LEINHOLDER NOTICES REQUIRED Dated: October 16, 1997 MARK J. UDREN & ASSOCIATES h~ Mark J. Udren, Esquire Attorney for Plaintiff BY: ~ ,~ United Companies Lending Corporation vs Thomas L. Davis, Virginia R. Davis In the Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 97-510 Civil Term Robert L. Fink, Deputy Sheriff, who being duly sworn according to law, says on Octobcr 7, 1997 at 3:25 o'clock P.M., E.D.S.T., hc posted the property ofThomas L. Davis and Virginia R. Davis at 453 N. West Street, Carlisle, Cumberland County, Pennsylvania with a copy of Real Estate Writ Notice Poster and Description according to law. Kathy Clarke, Deputy Sheriff, who being duly sworn according to law, says on July 8, 1997 at 8:12 o'clock P.M., E.D.S.T., she served true copies of Real Estate Writ, Notice, and Description in the above entitled action upon one of the within named defendants, to wit: Thomas L. Davis Sr. by making known unto Thomas L. Davis Sr at 453 N. West Street, Carlisle. Cumberland County, Pennsylvania its contents and at the same time handing to him personally the said true and attested copies of the same. Timothy Reitz, Deputy Sheriff, who being duly sworn according to law, says on October 9, 1997 at 1:57 o'clock P.M., E.D.S.T., he served true copy of Real Estate Poster in the above entitled action upon one of the within named defendants, to wit: Thomas L. Davis Sr. by making known unto Thomas L. Davis Sr. at 453 N. West Street, Carlisle, Cumberland County, Pennsylvania, its contents and at the same time handing to him personally the said true and attested copies of the same. Kenneth Gossert, Deputy Sheriff, who being duly sworn according to law, says on October 9, 1997 at 1:57 o'clock P.M., E.D.S.T., he served Real Estate Writ Notice and Description in the above entitled action upon one of the within named defendants, to wit: Virginia R. Davis by making known unto Virginia R. Davis at 1000 W. South Street. Carlisle, Cumberland County, Pennsylvania its contents and at the same time handing to her personally the said true and attested copies of the same. Jody Smith, Deputy Sheriff, who being duly sworn according to law, says on October I. 1997 at 10:55 o'clock A.M., E.D.S:r., she served true copy of Real Estate Poster in the above entitled action upon one of the within named defendants, to wit: Virginia R. Davis by making known unto Virginia R. Davis at the Cumberland County SheriIT's Office, Carlisle. Cumberland County, Pennsylvania, its contents and at the same time handing to her personally the said true and attested copies of the same. R. Thomas Kline, Sheriff, who being duly sworn according to law, says that he served the above Real Estate Writ Notice, Poster and description in the following manner: The Sheriff mailed one of the within named defendants, to wit; Thomas L. Davis Sr. a notice of the pendency of the action by regular mail to his last known address at453 N. West Street, Carlisle, Pennsylvania 17013. This letter was mailed under the date of October 10, 1997 and was never returned to the Sheriffs Office. R Thomas Kline, Sheriff, who being duly sworn according to law, says that he served the above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed one of the within named defendants, to wit: Virginia Davis a notice orthe pendency of the action by regular mail to her last known addrcss at 1000 W. South Street, Carlisle, Pcnnsylvania 17013. This letter was mailed underthe da~e of October 10, 1997 and was never returned to the Sheritrs Office i)~ r-! ,. " .' , " I \' " ' t...,{ ~:...... '.\ J : .. ~. : · . .... ......,.. . ..,.. OOJFi " '" .. _. .... .. en ;}t __ ~ 7 17 Y 7 the sherHf loviod upon the delcn(I,,'" Interest In the real property situated In ('(11., Co " (... l-5iH {, !{~ Cumberland County, Pa., knO'Nn and numbured as: 7'S3 }J (<b~JI.-~.L, ('""('\. CL. C. and more fully d8:cribEltl on Exhibit "A" filed ':', this writ and by this l'filer6nce incorporated herein. [j,::~e: (.. :< 7 ' '? 7 By:a l <cj'.q;-!Lt2..i.,:-1..cl:J<- ;2.~l {;;;I.i",- ft'p-,-t;- ~q' .. ,".1 ' L6, ~V erg /Z "Of , , ~.!.... . _.' .; .~;,j.10 YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 215-568-9500. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call 215-568-9500. 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 the 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 within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Court Administrator 4th Floor, Cumberland County Courthouse Carlise, PA 17013 717-240-6200 j)I'O- {kt. @~t i L lNeHIS Ih:U11 O~'rl. ,[:hc ~atriot Phunt' H'I.H2U(, AUlJunllOK Dcpt. 1\\.Hl!7 OAILI I ..~ "iCJI.U~ -- I ,[:hc fuming Be\Us I, I 2' I , ~unda~ ~atriot'Rc\Us I I I al I I I'll 110\ ;,::,:/"j II \lllIISIII.HI;, 1'.\. 17111.i 1'1Il):\E 1717, :!:..-dilllfl , -; i." I I ,~ Complete Coverage or Pennsylvania's Third Largest I ,1 I I and ~I"st Proli table ~larket , I I 61 I I CUMB020 OCT [, NOV 1997 - ~I , I CUMBERLAND CO SHERIFFS OFFICE I 81 1 I , COURT HOUSE 9! I I CARLISLE, PA 17013 10 i I I ; 11 i I 121 I / ~- CAlL" "..TJ: / G- -." 7.1" I a I I ! INCHES" 10 R c; ~I" _heM 114 i I I NOTARY LESS FPD CAlL. Y 1 00 > .--.- . .._-~ . : " 1 I NET CAILV /C. .3 75 i 1,6 ! I I ~'CJ(.I.J" "ATE INCHES. ,.tR INCH. : 17 ~ i i I liB: ! 5..... "ATE 1~HC:5 , PIA INCH : 19 : 1 I LESS FPO SUNDAY 120 . , > 1 I NET 5PN 121 ,- , .:; I ! 22 i , SALE NO. t , , i2a i I METRO WEST ,2_ , , , -. , ,- I DUPLICATE :26 I , I I TOTAL DUE > : 27 ~ I i , 28 I r' , I .;; : : 291 1 I , lao i ! I 1 al I I ! . ! I I ~ II , , ! . I I , , I ; :\bk~ ~ht'Ck p;1yabl~ to Th~ P3tnot'~eW5 Co. All advertising received subject to approval by Publi.her. THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No 587 Aooroved Mav 16 1929 Commonwellth of Penneylvlnll, County of Oluphln} II Frank J. Epler being duly sworn according to law, deposes and says: Thlt he Is the Controller of THE PATRIOT-NEWS CO., e corporation organized end existing under the lews of the Commonwealth of Pennsylvania, with its principal office end place of business at 812 10 818 Market Street, In the City 01 Harrisburg, County 01 Dauphin, State 01 Pennsylvania, owner and publisher of THE PATRIOT-NEWS and THE SUNDAY PATRIOT-NEWS newspapers of general circulation, printed and published at 812 to 818 Market Street, In the City, County and State aforesaid; thet THE PATRIOT-NEWS and THE SUNDAY PATRIOT-NEWS were established Merch 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which Is securely attached hereto la exactly as printed and published In their regular delly and/or Sunday and Metro editions/Issues which appeered an the 21 st and 28th day(s) 01 October and the 4th day of November 1997. That neither he nor said Company Is Interested In the sublect mailer 01 said printed notice or advertising, and that all 01 the ellegatlons of this ststement as to the time, place and chsracter of publication are true; and That he has personal knowledge of the facts eforesald and Is duly authorized and empowered to verify this atstement on behalf of The Patrlot.News Co. aforesaid by vlrtus end pursusnt to a resolution unanimously passed end adopted severally by the stockholders and board 01 directors of the said Company and subsequently duly recorded In tha office for the Recording of Deeds In and lor said County of Dauphin In Miscellanaous Book "M", vO;:~~~':;~I:~ ~~~4:k.----------------------- COpy ~worn to snd sub$di'lbed before me ~hls 24th da~f Neber 1997 A.D. SAlE III NoI!lIlal Sca,V' ,// .~.;; .;.... ~ Mo.. 1 TItlY l, R""'.:1. NOli'" /? L~ ,~(.U\.... a - HOIlr.burg, Do,' 6 f1eI.",,,,.. l<I'1 Commi"",,, E.p".s June ., :~1V ~ UItrt#. ilia 1998 J&:,~:.':' ~. ~tl(~~.. J CUM8ERLAND COUNTY SHERIFFS OFFICE ,l).iui..;; , .. . COJRTI-OUSE :tHAT Arl Iot~ CARliSLE, PA, 17013 Statement of Advertising Cosh ~ , ~~~. To THE PATRIOT-NEWS CO., Dr. ~~ For publishing the notice or publication attached hereto ~~Wc on the above stated dates $ , ~'W Slreet a ~ B Probating same (1) Notary Fee(s) $ I~ ~~'fo'!'1he0l~ Total $ ~~lJ~~~nrJ; sheri s Receipt for Advertising Cost =.\7.Jm~ mJ5~ t er of THE PATRIOT-NEWS and THE SUNDAY PATRIOT-NEWS, newspapers of general ;.~ P0g0444 lceipt of the aforesaid nollce and publication costs and certifies that the same have baan duly paid. THE PATRIOT-NEWS CO. 162.75 1.00 163.75 By.................................................................... TAX YE 1997 REAL ESTATE TAX NOTICE ** COUNTY ** CARLISLE BOROUGH MARCH 1, 1997 1840 1247 MAKE CHECKS PAYABLE TO: DARLENE MOYER, C/O CTCB 19 S HANOVER ST., SUITE 102 PO BOX 128 CARLISLE, PA. 17013-0128 H o MONDAY-FRIDAY 8AM - 4PM U PHONE 717-243-3725 R S COUNTY LIBRARY BOROUGH 10%P 23.0M 10%P 1.5M 10%P 38.0M 41.47 2.70 68.52 42.32 2.76 69.92 46.55 3.04 76.91 %P M %P DURING PAY M THIS PERIOD THIS AMOUNT DISCOUNT FACE PENALTY MAR & APR MAY & JUNE AFTER 6 30 112.69 115.00 126.50 ACCT NO 06-20-1798-229 DAVIS, THOMAS L. SR. & VIRGINIA R. 453 N. WEST STREET 0453 NWEST STREET LAND LESS THAN 1 ACRE HOUSE CARLISLE PA 17013 IF TAXES ARE IN ESCROW FORWARD THIS BILL TO YOUR MORTGAGE COMPANY ON 1/15/98 UNPAID TAXES TURNED OVER TO CUMBERLAND CO. TAX CLAIM BUREAU $1.00 FEE FOR ADD'L RECEIPTS REQUESTED PAID: $ 112.69 04/30/97 BATCH NO. 043090 VALIDATION NO. 000184 . . I 0 )...stJ PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LA W JOURNAL (Under Act No. 5!l7. approved May 16. lY2lJ). P. L.17!l4 STATE OF PENNSYLVANIA : COUNTY OF CUMBERLAND : SS. Roger M. Morgenlhal, 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 courl~ 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 of the said Cumberland Law Journal on the following dates. viz: OCTOBER 10.17.24.1997 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal. a legal periodical of geneml 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 os to time. place and character of publication are true. IlEALUTA'I'I:8AlJtKO.1 ~ Wrtt No. 97.510 Civil Roger M. Morgenthal. Editor ~ Unlted Companies Lending CorporaUon VB, Thomas L. Davis. Sr.. Virginia R. Davis Ally,: Mark J, Udren ALL 1llAT CERTAIN lol of ground wUlt Improvements thereon erected situate In the f1tIh Wan! of the Borough of Carlisle. County of Cumberland and Common~alLhorPennsylvanla. bounded and descrtbed as follows: ON the West by North West Street: on the North by lot now or fonnerly o(Churlc5 D. SlrD)'er; un Lllr: C.&:.! lJ) a prtvate alley: and on the South by property now or fonnerly of Emmell R. \\\:xxI.: rontAlnlng In front on II8Id North West Street a dlstance 01'28 feel nnd nmntnf,t at an even wtdth for n deplh of 100 fert. more or less. to lhe prtvate alley aror~atd. BEING Tax Parcel .06.201.798. 229, TI11.E 1'0 SAID PREMISES IS ___ _.._ . "'__-'_ r_ __.1 SWORN TO AND SUBSCRIBED before me this 24 day of OCTOBER. 1997 NOTARIAL At lOlS E, 5NYDER, Nokl'Y Publoc Corl,d. lloro, Cumb.rIond County. PI. M., Commulion bpi,., March 5, 2001 fORM 1. VOLUNTARY PETITION' Plge 2 ~ame of Debtor(s): Gudjon J. Ol.fsson FILING OF PLAN FOtCh&Qltf8. II, 12.,,(1 13 c.... onty. ChK..D~II00nar.OO'. I I ... cooy of cl.Cfot'l ptOpo..d DIM dal.a ,XI 0.0101' ,"1&"0"0 ft'-. 01'" ""tPl'" Ih& 11m. allOW<<! by Ilalll". rul.. or OICl" '. anacnl'lS. tlIll'I.cOl.ll1. PRIOR BANKRUPTCY CASE FILED WITHIN LAST 6 YEARS ," lI'IOfa In.,. on.. &nacn adelrtoONllIIHfI LOC&IIOnWJltf.F,ltld j ~Numo.t O.'aF.It'd NONE PENDING BANKRUPTCY CASE FILED BY ANY SPOUSE, PARTNER. OR AFFILIATE OF THE DEBTOR I" """. ,"on on., on..," ....,,_ ....'I Name 01 OeOtOl I c.u. Humoet Col. NONE R.t1.l1Ot\1t!.o I ~.na JUCl9& REOUEST FOR RELIEF o.otOl II .'tg'blelor at\d '1q\ol.1I1 '."., In acc.otdanca ....lh the '''&Of'' 01 tltlit 11, United Sla'" Coa., .~ In lht' l>>I,'IC)r'I. SIGNATURES , '\1. \.'11' \,~" U'\ l~\..". 'L ATTORNEY .1 i ~ . / .:; II , ....""'.i A. I"IUliIn... ..nam.y \ uoo. INDIVIDUAL/JOINT DEBTOR(S) CORPORATE OR PARTNERSHIP DEBTOR I dtctwa und., ~ 01 perJU'V lhalll'l. ,nformatlOn 511'OVldMlln Inll poIlltlOn " lru. and I Cltel.,. u~et' Dlna/ty 01 ~ury Ihall,... 'nlOfma!1Qf'l pt~ In lhl. petlllon "Inla and "","", (OffKt atlClll'I.Ii I M'l'I DHn ~Itlon,.~ 10"'- In., petItion on c.rwf ot the O&ClOt. , SEE: SIGIIA'!'URE PAGE AT!' ACHE.') ~ ~~;uf~j.P~I;':~~U~ "ualOf'l,.j::t~1IIon ~" \ ) " ~; 1~~~~~~~~tG lnaPioaYaj UOl. · ~~ur!,j~~,t:D~ble ~IJ~; ~~~~~,~~~ ~DlOlIO I-,Ieln.. ~'1Il1()ll U.l' I uoo. fllWa'DlOf't . CQrPOlallQ(lf1hng underCI'IaQt" II, Iton.brt ....... anac".., ano",*,- ~dlt\l' ~ltlOl'l. TO BE COMPLETED BY INDIVIDUAL CHAPTER 7 DEBTOR WITH CERTIFICATION ANO SIGNATURE OF NON.ATTORNEY PRIMARILY CONSUMER DEBTS (See P L, 98.353 I 322) BANKRUPTCY PETITION PREPARER (See 11 U,S,C, 1110) I am aww. It\ar I may ptoc"" und" CI'IaDf., 1,11,12, Of 13 otll11, Il,UMed S1ar"~" l,Ina,~&nd I ceft'f'y ltlar' am. oanWPlcy pellllOt'! at.pare'" d,"nect in II U.S.C. t 110.1tW. ttl. '-ltef ball.DIe una.,.KI'l tueI'l tI'l~I.', and tI'lOOM la QtOCH(J ur\d., cPI&I)l" rot wen 1,IIe ;)I,pelltd U'III aocu~nt 101 compenUhon. And In.,. Plavt ptCMCIect tile dlfOlOt'M\t'l. cOO'( 0111111 oocument. It. am r'Oi'~1td by an aflOIn..... E.""bol "9. PI.. been comOoelecl Not Applicable , Not Applicable ;J'V1ltG Of fypea NatN 01 ean.f1.IPlCY PetitIOI'! Pr.oar,' SlqflatvreolDeDtOl Do,. Not Applicable Sacw s.cunty NumlM1 , Not Applicable Sogn.IUI,of..oonto.DfOl 0.1. ".'''"' r_~ EXHIBIT "B" Name and SooaI SecYrlty numlM1 of... cen" 'narrw.c2uatllfllflO pI'OWI<! or.....,1<I ,"pr'~lI'lII6ocUl'T'l."t: (To be completlO by anOtney tor .naMdU&l cnaotll 1 d'DlOtII' Mln prlmallty con'um" d.blll Not Applicable I, In. aflomey lor the d'OCOfII' natl'IId In the 'OfIl901~ petitIOn, dlCW. ,,,.. . t'IeYot .nlorl'lld IN "mor. ,,,.,, 0f'II petIOf't pr.p,ated In.. docum.nt. anacn .adltoonal.'Vl'lId II'IIetI aetllotlll mar (tie,"'" OfIhey1 mayprocHG Ul'lderc"apc,,1, II, 12,0113011111. 11, United Slaln CQnformlf'9 10 I", 'optOpn&l, omc,., ~or", tor ,acn penon. Cod', and h..... "ol"n.., 1I'l. reh" t\'all.ble Utldll luen ch&DIII. , Not Applicable x Not Applicable So9narUl. 01 eankNPf(y P.IIIIOn Prepar., $lgn.,1JI.ot...no",.... Dal' A baIIWOIC'f petitIOn pr'oar.f, ''''uf,IO comPlY ".,er, tI'Ie prowrs.ont 011&11 tt'Id U'II ~..,...., Rut" 01 a.nWDt(y PrOCltOuII may rltlull In "net or Im~tnIf'I1 Of both. II US,C. 1110; II V,S C. 11M. Case Nurber: '/'~~~/~; .~t~~j:-i: .' ""'.-'1 r., i-,~":: ft,;;:-,- , "'.'. ':",' ",C '--.": .. ,. ., :,;'. ".' 'j , , -','{. ," ~, " ' " , '-, , "'~:<'~.', . "" '.:f.; ...~; , ~ . < '/!; :,; j;r:r . '::.l! ~". '" " .:. ,,' 'c,' '~:>-'. ;.';' . \' '.-,' , " '-' ."': ";\J'~'" <""" .> \' ~> " '1 ~ ' , ~"""~. ''J... 3- .~, J" ~-:-t";'J',,:~ \.~~~~~ "..J'." , :', ',:p.:' :"'/I:;;'>~, 'S"t~6t~~:-.:.,{,"/j';:~.il<;:',;; . r l' , ',.~, ""t'l}:-':.L(....,;.\~"''l: ~:};:.I. ,'" li ;'i-':?"')""J '" ' . ,~:"':>::{Yl;?,~i1]~:r;'\'_ ','[-- '\,"> -. l' . .,.'." ,"" , ,'~~ ~--:.- '.~., '. ' :, , '",. ,"" \ .~. ? ,~,,~ '!i ,',' ",' . . ',...' ':',': .t:..... "', 6, The following amounts are due on the mortgage: Principal Balance Interest 7/19/96 through 1/19/97 (Per Diem $15.50) Attorney's Fees Cumulative Late Charges 4/19/91 to 1/19/97 Cost of suit and Title Search Subtotal $56,566.81 2,836.09 2,828.00 184.90 550.00 62,965.80 Escrow Credit Deficit Subtotal 0.00 0.00 0.00 $62,965.80 TOTAL 7. This action does not corne under Act 6 of 1974 because the original mortgage amount exceeds $50,000.00. 8. The Temporary Stay as provided by the Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983, has terminated because Defendant(s) have failed to meet with the Plaintiff or an authorized Credit Counseling Agency in accordance with Plaintiff's written Notice to Defendants, a true and correct copy of which is attached hereto as Exhibit "B". 9. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. S 1692 et seq. (1977), Defendant(s) may dispute the validity of the debt or any portion thereof. If Defendant(s) do so in writing within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will obtain and provide Defendant(s) with written verification thereof; otherwise, the debt will be assumed to be valid. Likewise, if requested within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will send Defendant(s) the name and address of the original creditor if different from above. WHEREFORE, PLAINTIFF demands Judgment against the Defendant(s) in the sum of $62,965.80, together with interest from 1/19/97 at the rate of $15.50 per diem to the date of Judgment, and other costs and charges collectible under the mortgage and for the foreclosure and sale of the mortgaged property. ~~ a: -~- .'~"'- FRANK FEDERMAN, ESQUIRE Attorney for Plaintiff ills ~xtremely imponant thaI your application is accurate and complete in every respect. The Pennsylvania Housing Finance AgencY has sixty (60) days to make a decision after it receives your application. During that additional time, no foreclosure proceedings will be pursued against you if you ha\"e met the time requirements set forth above. You will be notified directly by that AgencY of its decision on your application. The Pennsylvania Housing FInance Agenc~" Is located at: 2101 North Front Street Post Office Box 8029 Harrisburg, PennsylvanIa 1710S (717) 780-3800 or (800) 342-2397 Under separate cover, you will receive another aotic: from the lender. That notice is cnlled a "Notice of Intention to Foreclose". You must read both notices, since they both explain rights thaI you now have under Pennsylvania law. However, if you choose to exercise your rights described in this notic:. the lender =nOI foreclose upon you during that time. Also, if)'ou receive linancinl assistance for the Pennsylvania Housing Finane: Agency, your home cannot be foreclosed upon while you arc receiving thaI assistance. Sincerely, Kenneth E. Dearslyne Vice President E~\-\\B\T "B' DESCRIPTION ALL THAT CERTAIN tract or parcel of land SITUATE in the Township of Lower Allen, County of Cumberland and Commonwealth of Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the Southerly line of Creek View Court at the comer of Lot No. 24 of the hereinafter mentioned Plan of Lots; thence by the southerly line of Creek View Court North 22 degrees 43 minutes 27 seconds East, a distance of 5.0 feet to a point; thence continuing along the southerly line of Creek View COUrt by a curve to the right having a radius of 25.00 feet, an arc distance of 39.27 feet to a point on the southerly line of Creek View Drive; thence by the southerly line of Creek View Drive South 67 degrees 16 minutes 33 seconds East, a distance of 125.0 feet to a point at the comer of Lot No. 26 of the hereinafter mentioned Plan of Lots; thence by Lot No. 26 South 22 degrees 43 minutes 27 seconds West, a distance of 78.0 feet to a point at Lot No. 24 of the hereinafter mentioned Plan of Lots; thence by Lot No. 24 North 49 degrees 31 minutes 52 seconds West, a distance of 157.49 feet to a point, the place of beginning. BEING Lot No. 25 of the Final Subdivision Plan for Phase I, Beacon Hill Village of Creekside, recorded in Cumberland County Plan Book, page 113. UNDER AND SUBJECT to the Declaration of Covenants and Restrictions recorded in Cumberland County Miscellaneous Book 319, page 556. Also under and subject to a Pedestrian Easement as recorded in Cumberland County Plan Book 50 page 113. Under and subject to the By laws of Beacon Hill Community Association recorded in Cumberland County Miscellaneous Book 319 page 525, and all reservations, restrictions, easements and rights-of-way of record. BEING NO. 1810 Creekview Court, BEING TAX PARCEL NO. 13-250010-306