HomeMy WebLinkAbout97-00969
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in the Mortgage (the "Mortgaged Premises"), which Mortgage was recorded of record on or about
June 19, 1995 with the Recorder of Deeds of and for the County of Cumberland in Mortgage Book
r
1267, Page 865. A true and correct copy of the Mortgage is attached hereto, made a part hereof,
and marked Exhibit "B".
5. A legal description of the Mortgaged Premises is contained in Exhibit "B".
6. The Mortgage has not bee" assigned.
7. Defendants are the real owners of the Mortgaged Premises.
8, Defendants are in default under the terms of the Note and Mortgage by virtUe of
Defendants' failure to pay installments of principal and interest when due from June 18, 1996, to the
present time, and upon default in such payments and the failure to cure said default within thirty (30)
days after notice, the entire principal balance, accrued interest thereon, late charges, attorneys' fees
and costs and all other sums due in connection with the Note and Mortgage are collectible forthwith.
9. Notice of default and demand for payment has been made in accordance with the
terms of the Note and Mortgage.
10. Defendants are indebted to the Bank under the Note as secured by the Mortgage as
follows:
Principal balance
$15,075.63
1,037.33
Accrued interest
(through 1116/97)
Late charges
(@ $9.10 per month)
54.60
Attorneys fees and costs
(@ 20% per Mortgage)
3.233,51
REAL DEBT
$19,401.07
(Interest continues to accrue at the current per diem rate of $4,91)
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urn,," NOTIANO nl~ m!IL'Lllllua"" ON rACK I WIn! AU, ArruCAIU: alAN"" ArraOl'lllATUYPlU.ID
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LESSER & KAPLIN
PlMIUIO'UL COUOI"f10"
Robert C. GOllshall, Jr.
Novcmber 19, 1996
Pagc 2
immedialamentc lIamanda csta agencia (Pcnnsylvania Housing Financc Agcncy) sin cargos al
numcro mencionado arriba. Puedes ser elegible para un prestamo por el programa lIamado
"Homcowncr's Emcrgency Mongage Assistance Program" el cual pucdc salvar su casa dc la
pcrdida dcl derecho a redimir su hipoleca,
ACT 91 NOTICE
IMPORT ANT: NOTICE OF HOMEOWNERS' EMERGENCY
MORTGAGE ASSISTANCE PROGRAM
PLEASE READ TillS NOTICE,
YOU MAY BE ELlGmLE FOR FINANCIAL ASSISTANCE
WHICH CAN SAVE YOUR HOME FROM FORECLOSURE.AND
HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
You may be eligible for financial assistance that will prevent foreclosure on your
mongage if yau comply with the provisions of the Homeowners' Emergcncy Mortgage
Assistance Act of 1983 ("Act"), You may be eligible for emergency temporary assistance if
your default has been caused by circumstances beyond your control, you have a reasonable
prospect or resuming your mortgage payments, and if you meet other eligibility requirements
established by the Pennsylvania Housing Finance Agency. Please read all of this Notice,
It contains an explanation of your rights.
Under the Act, you are entitled to a temporary stay of foreclosure on your mongage for
thirty (30) days from the date of this Notice. During that time, you must arrange and attend a
"face-to.face" meeting with a representative of this lender or with a designated consumer credit
counseling agency. The purpose of this meeting is to attempt to work out a repayment plan or
otherwise settle your delinquency, That meeting must occur within the next thirty (30) days,
If you allend a face-to-face meeting with this lender or with a consumer credit counseling
agency identified in this notice, no further proceedings in mongage foreclosure may take plaee
for thirty (30) days after the date of this meeting,
ILXMfl61J.6AfllJolS46 _I
11199611'-116
PhIladelphia, PA 19107
1215) 563-5665
F.., (215) 864.2666
"
COLmWlA COUNTY
,
~
,
Hispanic Associ'lion of COnll'1CIOn &. Enterprises
2921.27 Nonh 51ll SIRcl
Philadelphi.. PA 19133
(215) 426-8025
F.., (215) 426-8027
Consumer Crcdil CounsclLnS Service of NorthelStern
PeMsylvlnia
Human Services BuUdinS
541 Wyomina: Ayenue
Dox 168
Smnlon. PA 18501
(717) 342.1072 or I (800) 922.9537
F.., (717) 342-8040
La C... Del Pueblo
815 W, D.lumoR Pike
KeMen Squm, PA 19348
(610) 444.3731
F.., (610) 444.3178
.
31 W, Marke! Sllee!
Wilkes.D.m:. PA 18702
(717) 821'()837 or 1 (800) 922.9537
Fa" (717) 821.1785
Media Fellowship House
302 S, laeltson SIRe!
Medi.. PA 19063
(610) 565'()846
Commission on Economics Opponuniry of Luzcmc Counry
211.213 Soulll Main SIRe!
Wilkes.Dam:. PA 18701
(717) 826-0510 or I (BOO) 822'()359
Fa" (717) 829.1665 . "II berore I..in.
(717) 455-4994 Hule!on
Fad (717) 455.5631 . "II berore raxin.
(717) 836-4090 TunkhaMOCk
Philadclphla Counsel of Communhy Advancement
100 Nonh 171ll SIRe!, Sui.. 600
Phil.delphia. PA 19103
(215) 567.7803
Fa" (215) 963.9941
Tabor Community Services. Inc.
439 E, Kin. SIRel
Lan,,",..r, PA 17602
(717) 397.5182 or I (800) 788.5062 (Homeownen only)
Fa" (717) 399-4127
CRAWFORD COUNTY
CLARION COUNTY
Booker T. Washin&toD Center
1720 Holland SIRe!
Erie. PA 16503
(814) 453.5744
Fa" (814) 453.5749
Consumer Ccedi! CounseJinS Service of Western
PCMsylvania, Inc.
YMCA Duilding
339 Nonh Wuhinglon SIRe!
Duder. PA 16001
(412) 282.7812
Oreller Eric CommuniI)' Action Commincc
18 WeSl 91ll SIRe!
Erie. PA 16501
(814) 459-4581
Fa" (814) 456-0161
CLEARFlELD COUNTY
John F. Kennedy Cenlcr. Inc.
2021 E. 20th SIRe!
Erie. PA 16.510
(814) 898-0400
Fax' (814) 898.1243
Keyslone Economic Development Corporation
1954 M.ry On.. Lane
10hnSlown. PA 15901
(814) 535.6556
Fax' (814) 539.1688
Shcnango Valley Urlnn League. Inc:.
601 Indiana Avenue
Fam:n. PA 16121
(412) 981.5310
Indiana Counry Communiry Action Program
827 Waler SIRel. Box 187
lndi..., PA 15701
(412) 465.2657
Fa" (412) 465.5118
cm.WERLAND COur.TY
Consumer Credil Courueling Service of Western
PeMsylvania, Inc.
5()()'()2 3rd Avenue
P,O. Do< 278
Duncansville. PA
(814) 696-3546
Consumer Credil Counselinl Service of Western
PeMSylvania. Inc.
2000 LingleSlown Road
Harri.bufl, PA 17102
(717) 54H757
CLINTON COUNTY
Financial Services Unlimited
117 W, 3rd SIRe!
Waynesbon>. PA 17268
(717) 762. 3285
Lycoming.Clinlon Counlics Commission for Communiry
Acuon (STEP)
2138 lincoln Sucel
P.O. Do< 1328
WiIIi.mspon, PA 17703
(717) 326,0587
Fax' (717) 322.2191
Urban League of Meuopolian Harrisburg
25 N. Fronl Sucel
Harrisburg. PA 17101
(717) 234.5925
Fad (717) 232-1985
339 North W;uhinglOn Slreet
DUller, PA 16001
IlI3)S6)'3663
Ful (m) 81>l.l666
MIFF1.IN COUNTY
La Cm Del Pueblo
81S W, D.llimore P,ke
KeMen Square. PA 19348
(610) 444-3731
Ful (610) 444.3178
Consumer Credil Counseling Service or
Weslern PeMsylvanil, Inc.
300.Q2 31d Avenue
Po," omcc Do. 278
Duncansville, PA
(814) 696-3346
Medii Fellowship House
302 S, Jackson Slreel
Medi., PA 19063
(610) 363.os46
We.atheriution Office
917 MifOin Slncl
Huntinldon. PA IU32
(814) 643.2343
Philldelphia Council ror Community Advancemenl
100 Nonh 171b SlreCl
Suite 600
Phil.delphia. PA 19103
(213) 367.7803
F..., (213) 963.9941
MONROE COUNTY
Commission on Economics Opponunity or
Luzerne Counl)'
211.213 Soulb Main Sire"
Wilkes.Da"., PA 18701
(717) 826-0310 or 1(800) 822-0339
Fa" (717) 829.IU3. Call before fuiol
(717) 433-4994 Hazellon
F." (71 7) 433.363 I . C.II befon: luinl
(71 7) 836-4090 TunkhaMock
MOImlUR eoVIm'
Consumer CRdit Counsclina Service or
NOMeastern PcMSylvania
Human Services BuUidna
341 Wyontin, Avenue
Do. 168
Se"on,on, PA 18301
(717) 342.1072 or 1(800) 922.9337
Fu' (717) 342.8040
Consumer Credil Counselin. Service or
NonhelSlern Pennsylvania
Human Services BuUidns
541 Wyominl Avenue
Do. 168
Scranton. PA 18301
(717) 342.1072 or 1(800) 922-9337
Fu' (717) 342.8040
31 W, Markel SlreCl
Wilkes,Sa",. PA 18702
(717) 821-0837 or 1(800) 922.9m
Fax' (717) 821.1783
NORTIL\MPTON COUl"l'Y
31 W,MarlcClSlreel
Wilkes.Da"., PA 18702
(717) 821-0837 or 1(800) 922.9337
Fa" (717) 821.1783
MOr..GOMERY COUNTY
Consumer CRdit Counselin, Service or
Lchilh Valley
3671 CRscenl CDun East
WhitehJlI, PA 18032
(610) 821.01011 or 1(800) 220.2733 (717) and (814) ONLY
Fax' (610) 821-0137
NORTIIUMBERLAND COUNTY
Acorn Housing Corpol1tion
8-16 NOM Broad SlreCl
Phil.delphia, PA 19130
(213) 763.2333
Fa" (215) 765.1427
Consumer Credil Counsclina Service or
NonhelStem PeMlylvarUa
Human Services Builidng
541 Wyoming Avenue
Do. 168
Seronlon, PA 18501
(717) 342.1072 or 1(800) 922.9m
Fu' (717) )42.8040
AM Credit Counseling InstiNle
144 U5I Dekalb Pike, Suile 100
Kinl 01 Prossia, PA 19406
(610) 354.9922
Budgel Counseling Cenler
247 NOM Fiflb SIre"
Readinl, PA 19601
(610) 375.7866
Fa" (610) 376,6575
31 W.MllkelSlreCl
Wilkes.Ba",. PA 18702
(717) 821'()8J7 or 1(800) 922.9537
Fu' (717) 821.1785
Communiry Action Development Commiuion
113 Easl Main SUtet
Norristown, PA 19401
(610) 277.2123
Economic Opponunity Cabinel or
Schuylkill Counl)'
118 Nurweilian Slreet
Poluville. PA 17901
(717) 622,1993
Fu' (717) 622-0429
Consumer Credit Counselinl Service or
Delaware Valley
1211 Chesmul Street, Suite 400
Phibdelphia, PA 19107
PERR\' COUNTY
Comumer Credil Coun,e1in. ScrvlCC
of Wemm PeMsylyama. Inc.
2000 L1n.lcslown Road
H.m.bu.., PA 17102
(717) 541.1757
302 S. Jacbon Slrect
M'dlO. PA 19063
(610) 56J.0846
Financial Servin Unlimiled
117 WeSl3rd SII<e!
W.ynuboro. PA 17268
(717) 762.3285
Philadelphia Council for Communil)' Advancement
100 NO,"1 17111 Slree!
Suhe 600
Phil.delphi., PA 19103
(215) 567.7803
Fill (215) 963.9941
Urb.1n Le"ue or Me!ropolilln lI.m.bura
25 N, Fronl Slree!
H.m,bur" PA 17101
(717) 234.5925
Fill (717) 232-4985
Urb.n L<"ue or Phil.d,lphi.
251.3 Soulll 24111 Slree!
Phil.delphl.. PA 19103.5529
(215) 731-4100
Fill (215) 731-4112
Weatheriulion aroce
917 Mimin Sene!
Hunrinldon. PA 16652
(814) 643.2343
PIKE COumY
Consumer Credil Counsclina Service of
Nonhcaslem Pennsylyania
YWCA 01 Carlisle
301 G Sene!
C.rlisl.. PA 17013
(717) 243.3318
F.lI (717) 243.3948
Human Servin Builidnl
'41 Wyomin. Avenue
BOI 168
SeranlOn. PA 18501
(717) 342.1072 or 1(800) 922.9537
F... (717) 342-8040
PHILADELPHIA COumY
Acorn Housina Corpention
846 NOM Broad Sen"
Philad,lphla. PA 19130
(215) 763.2333
Fill (215) 765-l427
31 W, Marke! Sene!
Wilkes.B.rre. PA 18702
(717) 821-0831 or 1(800) 922.9537
Fill (717) 821.1785
POTIER COumY
AM Cmli, CounscllnllnsblUl<
144 EaSl O.blb Pik,. Suil< 100
Kinl or Prussia, PA 19406
(610) 354-9922
Nonhem Tier CommuniI)' Action Corp.
135 W, FouM Sene!
Emporium. PA 15834
(814) 486-1161
Fill (814) 486-3370
Centro Pedro Cia vcr
3565 NOM 7111 Sene!
Phil.delphia. PA 19140
(215) 227.7111
F.lI (215) 227.7117
SCHUYLKn.L COUNTY
Budgel Counsclin. eenler
247 NOM Filth Sene!
R"dlnl. PA 19601
(610) 375.7866
Fa.. (610) 37~575
Consumer Crtdil Counseling Service
of Delawan: Valley
1211 Chestnul Slreet. Suite 400
Phil.delphla. PA 19107
(215) 563.5665
F.lI (215) 864.2666
Commission of Economics Opponunil)'
of Luzercne County
211.213 Soulll M.1n Sene!
Wilku.B.rre. PA 18701
(717) 826-0510 Or 1(800) 822-0359
F... (717) 829.1665. C.11 berore r"in,
(717) 455-4994 Hnehon
F... (717) 455.5631 . C.1I belore IlIlnl
(717) 836-4090 Tunl<h.Mock
Hispanic Associllion of Contl1CIOn &. Enlerprises
2921.27 NOM 5111 SIre.'
Phil.delphl.. PA 19133
(215) 426-8025
Fill (215) 426-8027
Housing Auoctation of Oellwlrc Valley
1314 Chumul SII<e!
Room 900
Phil.delphla, PA 19107
(215) 545.6010
Fill (215) 790.9132
Economie Opporrunil)' C.bin" or SchuyltiJl Counl)'
118 Norweil'" SII<"
Ponsvill.. PA 17901
(717) 622.1995
F... (717) 622-0429
658 NOM Wins SII<"
Phil.delphi., PA 19123
(215) 978,0224
Fa" (215) 765.7614
SNYDER COUl'on
Media Fellow)hip House
Consumer Credil CouMCling Service of
WeSlCm Pennsylvania. Inc.
2000 Linglestown Road
Ham)burg, PA 17102
00.168
Seranlon, PA 18~OI
(717) 342.1072 or 1(800) 922.9~37
Fa" (717) 342.8040
John F. KCMCdy Cenler, Inc.
2021 EasI10th SUCCI
Ene, PA 16~10
(814) 898-0400
Fu' (814) 898.1243
31 W, Mark" S're"
Wilkes,Ba"" PA 18702
(717) 821.(1837 or 1(800) 922.9537
Fa" (717) 821.178~
Consumer Crtdil Counulin. Service or
WCS(COI PCMsylVlnia. Inc.
YMCA BuDdin,
339 NOM Washin,l<>n S"'e'
BuUer, PA 16001
The Trthab Ccnlcr of NOMeastem PCMsylvania
WAR!lE.'j com.n
7 Lake Annuc
Bo.339
Monuol<, PA 18801
(717) 278.3338 or ~(800) 982-4045
Fill (717) 278.1889
Booker T. Washin'lon Ccnecr
1720 Holltnd S're"
Erie, PA 16503
(814) 453.~744
Ful (814) 453.~749
185 ElmJra 5",,,
P,O, Do. 218
Troy, PA 16947
(717) 297.2101
Gruler Eric Community Action Commincc
18 We" 9Ih S"'el
Erie. PA 16501
(814) 4~9-4581
Fa.. (814) 4~6.Q161
OcnnanStrtcl
P,O, Bo. 389
Dushore, PA 18614
(717) 928.9668
Warren Farrell Counties Economic
Opponunil)l CouneD
1209 Pcnmylvlnia Avenue,West
P,O, Do. 547
Warren, PA 16365
(814) 762.2400
Fa" (814) 723.(1510
His MaJesl)l FeUowship Churtb
207 PeM Avenue
P,O. Do. 104
AlheOl. PA 18810 (Wed.Fri)
(717) 888-6024
W ASIIINCTON COUNTY
17 Crafton 5",,,
WeUsboro. PA 16901
(717) 724.~252
Action Housing. Inc.
Number Two O.ICWI)' Center
9lh Floor
PinsOO'lh. PA 15222
(412) 391.1956
602 'h Chur;h S"'e'
P.O, Do. 97
Honesdale, PA 18431
(717) 258-4987
CommuniI)' Action SouthwcslCm
22 Well Hi,h S..el
WaynesOO'l, PA m70
(412) 852-2893
103 Warren S..el
P,O, Do. 709
Tunkhannock. PA 18657
(717) 836-6840
UNION COUNTY
Comsumcr CRdh Counsclina Service or
Western PCMSylvanil, loc.
I NOM Gltc Square
2 Garden Ccnler Drive
OreeOlOO'l, PA 1~601
Lyc:ominl.cHnlon Counties Commission for
Communil)l A"ion (STEP)
2138 lincoln 5.."
P,O, Bo. 1328
WUliamspon. PA 17703
(717) 326-0587
Fa.. (717) 322.2197
Housin, Opportunities, Inc.
133 Smnlh S"'e'
MeKeespon, PA 15132
(412) 664.1590
Fa.. (412) 6()1.(1873
Consumer Credit Counseling Service of Weslem
PeMsylvllUa, Inc.
500-02 3rd Avenue
POll om" Bo. 278
Dunclnsville. PA
(814) 696-3546
Mon.Valley Unemployed Commince
120 E. 9lh Avenue
Homcs"ad, PA 15120
(412) 486-1161
\VA YNE COUNTY
VENA.'jGO COUNTY
Consumer Credit CounselinJ Service of
NOMelstem PeMSylvania
Grelter Erie Communiry Action Comminec
18 Wesl9th Suter
Erie. PA 16~01
(814) 4~9-45UI
Fa" (814) 4~6.Q161
Human Services Buildin.
'41 Wyomin, Avenue
Bo. 168
Seran,on. PA 18~01
(717) 342-1072 or 1(800) 922.9537
602 '.1 Churth SUCCI
P.O, BOI 97
Honud.le, PA 18431
(717) Z'8-4987
103 W.nen Sin"
P,O, BOI 709
Tunkl11nnock, PA t8"7
(717) 836-6840
YORK COUNTY
American Red Cross. Hanover Chapter
'Z9 Charl~le S",,,
K.nover, PA 17331
(717) 391.19'6
Consumer Cndll CouJU<lin. Scrvk.
01 WUlem P.nnsylvania, Jnc:,
2000 LinSI,,'OW1l ROId
Karrisbu", PA 17102
(717) 541.1757
912 Soulh Oeo". S....t
York. PA 17403
Kou'inJ COUIICU 01 York
116 North Oeo". S.....
York, PA 17401
(717) 8'4.1541
Ful (717) 84'-1934
LESSER & KAPLIN
"0""10"''''' (O.,OI"TIOII
Robert C, GOlIShal1, Jr.
November 19, 1996
Page 2
,
i
ADDITIONAL MONTHLY PAYMENTS AND LATE CHARGES WHICH MAY FALL DUE
DURING THIS PERIOD. Sueh payment must be made either by cash, cashier's check, certified
eheck or money order, and made at Mellon Bank, N.A. Two Mellon Bank Center, Room 152.AB50,
PillSburgh, PA 15259.0001, Attention: Mr, Robert R. French.
IF YOU DO NOT CURE THE DEFAULT WITHIN THIRTY DAYS, WE INTEND TO
EXERCISE OUR RIGHT TO ACCELERATE THE MORTGAGE PAYMENTS, This means that
whatever is owing on the original amount borrowed will be considered due immediately and you may
lose the chance to payoff the original mortgage in monthly insrallments. If full payment of the
amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys
to start a lawsuit to foreclose your mortgaged property, If the mortgage is foreclosed, your
mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If we refer the case
to our attorneys, but you cure the default before they begin legal proceedings against you, you will
still have to pay the reasonable attorney's fees actually incurred up to $50.00. However, if legal
proceedings are started against you, you will have to pay the reasonable attorney's fees even if they
are over $50.00. ,Any attorney's fees will be added to whatever you owe us, which may also include
our reasonable costs. IF YOU CURE THE DEFAULT WITHIN THE THIRTY.DAY PERIOD,
YOU WILL NOT BE REQUIRED TO PAY THE ATTORNEY'S FEES.
We may also sue you personally for the unpaid principal balance and all other sums due
under the mortgage, If you have not cured the default within the thirty (30) day period and
foreclosure proceedings have begun, YOU STILL HAVE THE RIGHT TO CURE THE DEFAULT
AND PREVENT THE SALE AT ANY TIME UP TO ONE HOUR BEFORE THE SHERIFF'S
FORECLOSURE SALE. You may do so by paying the toral amount of the unpaid monthly
payments plus any late or other charges then due, as well as the reasonable attorney's fees and costs
cOMeeted with the foreclosure sale, and perform any other requirements under the mortgage, It is
estimated that the earliest date that such Sheriffs sale could be held would be approximately ninety
days. A notice of the date of the Sheriffs sale will be sent to you before the sale, Of course, the
amount needed to eure the default will increase the longer you wait. You may fmd out at any time
exactly what the required payment will be by calling us at the following number: (412) 236-1560.
This payment must be in cash, cashier's check, certified check or money order and'made payable
to us at the address stated above.
You should realize that a Sheriffs sale will end your ownership of the mortgaged property
and your right to remain in it. If you continue to live in the property after the Sheriffs sale, a
lawsuit could be started to evict you.
ILXM/l611'6S1I94l<l)
111996/1.00
LESSER & KAPLIN
UO'''''O/ll"" c:g"OI"f101ll
Robert C. Gottshall, Jr.
November 19, 1996
Page 3
You have additional rights to held protect your interest in the property. YOU HAVE THE
RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE
DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAYOFF
THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY
SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE
MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES
AND A nORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT
THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US
TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MUST EXIST. YOU ALSO
HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON
YOUR BEHALF.
IF YOU CURE THE DEFAULT, THE MORTGAGE WILL BE RESTORED TO THE
SAME POSITION AS IF NO DEFAULT HAD OCCURRED. However, you are not entitled to this
right to cure your default more than three times in any ealendar year,
Very truly yours,
Mellon BarJ:. N.A.
LESSER & KAPLIN, P.C.
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By: Leona Mo B ero
Attorneys for Mellon Bank, N.A.
LM/cd
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LESSER & KAPLIN
'10,..110"''''. (01'0."'10"
Jill Gottshall, a/kla Jill E. Gottshall
November 19, 1996
Page 2
ADDITIONAL MONTHLY PAYMENTS AND LATE CHARGES WHICH MAY FALL DUE
DURING THIS PERIOD, Such payment must be made either by cash, cashier's cheek, eertified
check or money order, and made at Mellon Bank, N.A, Two Mellon Bank Center, Room 152.AB50,
Pittsburgh, PA 15259-0001. Aucntion: Mr. Robert R. French,
IF YOU DO NOT CURE THE DEFAULT WITHIN TIDRTY DAYS, WE INTEND TO
EXERCISE OUR RIGHT TO ACCELERATE THE MORTGAGE PAYMENTS. This means that
whatever is owing on the original amount borrowed will be considered due immediately and you may
lose the chance to payoff the original mortgage in monthly installments, If full payment of the
amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys
to start a lawsuit to foreclose your mortgaged property, If the mortgage is foreclosed, your
mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If we refer the case
to our attorneys, but you cure the default before they begin legal proceedings against you, you will
still have to pay the reasonable attorney's fees actually incurred up to $50.00, However, if legal
proceedings are started against you, you will have to pay the reasonable attorney's fees even if they
are over $50.00, .Any attorney's fees will be added to whatever you owe us, which may also include
our reasonable costs. IF YOU CURE THE DEFAULT WITHIN THE THIRTY-DAY PERIOD,
YOU WILL NOT BE REQUIRED TO PAY THE ATTORNEY'S FEES,
We may also sue you personally for the unpaid principal balance and all other sums due
under the mortgage. If you have not cured the default within the thirty (30) day period and
foreclosure proceedings have begun, YOU STILL HAVE THE RIGHT TO CURE THE DEFAULT
AND PREVENT THE SALE AT ANY TIME UP TO ONE HOUR BEFORE THE SHERIFF'S
FORECLOSURE SALE. You may do so by paying the total amount of the unpaid monthly
payments plus any late or other charges then due, as well as the reasonable attorney's fees and costs
connected with the foreclosure sale, and perform any other requirements under the mortgage, It is
estimated that the earliest date that such Sheriffs sale could be held would be approximately ninety
days, A notice of the date of the Sheriffs sale will be sent to you before the sale. Of course, the
amount needed to cure the default will increase the longer you wait. You may fmd out at any time
exactly what the required payment will be by calling us at the following number: (,\12) 236-1560.
This payment must be in cash, cashier's check, certified check or money order and made payable
to us at the address stated above,
You should realize that a Sheriffs sale will end your ownership of the mortgaged property
and your right to remain in it. If you continue to live in the property after the Sheriffs sale, a
lawsuit could be started to evict you.
ILXMll6lH&II9<Hl_1
11I_140l
LESSER & KAPLIN
,.O'IIIIOM"1. ,0.'01"rI0"
Jill Gottshall, a/kJa Jill E. Gottshall
November 19, 1996
Page 3
You have additional rights to held protect your interest in the property. YOU HAVE THE
RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE
DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAYOFF
THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY
SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE
MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES
AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE. AND THAT
THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US
TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MUST EXIST. YOU ALSO
HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON
YOUR BEHALF.
IF YOU CURE THE DEFAULT, THE MORTGAGE WILL BE RESTORED TO THE
SAME POSITION AS IF NO DEFAULT HAD OCCURRED, However, you are not entitled to this
right to cure your default more than three times in any calendar year.
Very truly yours,
Mellon Bank, N.A,
LESSER & KAPLIN, P,C.
By:
LeZ~
<.-I
Attorneys for Mellon Bank, N.A.
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SIIERIFF'S nETU[:U - REGULAR
CAS~ NU: 1~97-00~b~ P
CIJMMONW~ALTH UF P~;NNSYLYANIA:
CIJUNTY llf CUMH~:RLAND
M~:I.LUN IlANK N A
YS.
LJUTTSHALL ROIl~:RT C JR ~T AL
T[MUTHY R~TI~ . Sheriff or Deputy Sheriff of
CUMDEHLAND County, Pennsylvania, who being duly sworn accordIng
to law, says, the withIn COMPI.AINT - MURT FURE was served
upon LJUTTSIlAI.I. J[L1. A/K/A J [I.L ~ liUTTSHAI.L the
defendant, at 20~J:00 HIJURS, on the 2bt~ day of FDbruary
19Y? at
';:.31:; IlRANDY LAN~:
Mf':CIlANICSDUIlG" PA 17055
County, Pennsy lvania, by handi.ng
a true and at teste,j copy of the
together with NUTICE
and at the same time directing Her attention to the contents thereof.
,CUMBEHLAND
to JILL GUTTSHALL
GIJMPLA WT - MIJRT FIJR~:
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Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So answ?~~
6.00
.00
.00
2.00
H. Thomas KlIne, ~herlf1
58.00 WOLF BLOCK
02/27/1997
by
Sworn and subscribed to before me
this L ~ day of 'nt.~
1~ "1 A.D.
llt..<-CL~~,
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Exhibit "B"
WOLF, BLOCK, SCHORR AND SOLIS-COHEN
By: Leona Mogavero, Esquire Attorney for Plaintiff
1.0. No. 38388
350 Sentry Parkway - Bldg. 640
Blue Bell, PA 19422
(610) 941-2464
MELLON BANK, N.A.
Mellon Bank Center
Philadelphia, PA 19101
COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
vs.
ROBERT C. GOTTSHALL, JR. and
JILL GOTTSHALL alk/a JILL E. GOTTSHALL
6315 Brandy Lane
Mechanicsburg, PA 17055
No. 97-969 Civil
TO: Jill Gottshall alkla Jill E. Gottshall
DATE OF NOTICE: April 28, 1997
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 OBJECl'IONS 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
Court Administrator
Cumberland County Courthouse - 4th Floor
One Courthouse Square
Carlisle, PA 17013-3387
(717) 240-6200
WOLF, BLOCK, SCHORR AND SOLIS-COHEN
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BY: t/'t..-c.--~
Leona Mogavero, Esquire
IlXMIldELO.U-'2S4OJ1I616.'
042197/10,20
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