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CIVIL ACTION -- COMPLAINT IN MORTGAGE FORECLOSURE
1. The Plaintiff, Norwest Mortgage, Inc., is a corporation
having been organi~ed under the laws of the State of New Jersey and
having its principal place of business at 7495 New Horizon Way,
Frederick, Maryland 21701.
2. (a) Defendant David L. Karp is an individual whose last
known address is 521 Bridgeview Drive, Lemoyne, PA 17043.
(b) Defendant Michele Karp is an individual whose last
known address is 521 Bridgeview Drive, Lemoyne, PA 17043.
(c) Defendant David L. Karp holds an interest in the
subject property as both a real owner and mortgagor.
(d) Defendant Michele Karp holds an interest in the
subject property as both a real owner and mortgagor.
(e) If any of the above named Defendants are deceased,
this action shall proceed against the deceased Defendant's heirs,
assigns, successors, administrators, personal representatives
and/or executors through their estate whether the estate is
probated.
3. (a) The residential mortgage being foreclosed upon is
secured by property located at 521 Bridgeview Drive address within
Lemoyne, Cumberland County, Pennsylvania.
(d) Escrow Advances made by Plaintiff
Mortgagee on behalf of
Defendant mortgage account
1,418.76
(e) Monthly property inspections
at $8.25, as a
recoverable expense under
the mortgage terms
(f) Attorneys' fees
Calculated as 5% of the principal
balance due, in accordance with
the mortgage terms
124.50
17,143.77
TOTAL IN REM JUDGMENT SOUGHT BY PLAINTIFF
$380,879.07
8. (a) The attorneys' fees set forth as recoverable at
Paragraph 6 (f) are in conformity with Pennsylvania law and the
terms of the mortgage, and will be collected in the event of a
third-party purchaser at a Sheriff's Sale onlv.
(b) If the mortgage arrears are to be reinstated or
paid-off prior to the Sheriff's Sale, Plaintiff's actual attorneys'
fees (calculated at counsel's hourly rate) will be charged based
upon work actually performed.
9. (a) The original principal balance of the Mortgage is
more than Fifty Thousand ($50,000.00) Dollars.
(b) Under Pennsylvania's ACT 6 of 1974, Plaintiff
Mortgagee is not obligated to serve Notice of its Intention to
Accelerate the mortgage obligation by certified and by regular
mailing, prior to initiating foreclosure proceedings.
10. (a) The subject mortgage is governed by ACT 91 of 1983.
(b) Under Pennsylvania's ACT 91, Plaintiff Mortgagee is
obligated to serve the Defendants with notice of their rights under
the "Homeowners Emergency Mortgage Assistance Program", by regular
mailing, prior to initiating foreclosure proceedings.
(c) Appended hereto and incorporated herein by reference
as Exhibit "D" are copies of the Notices required, having been sent
on the date set forth on the Notice.
(d) The Defendant filed a timely application for
financial assistance with the Pennsylvania Housing Finance Agency,
same having subsequently been denied and/or having been deemed
ineligible by that Agency.
WHEREFORE, the Plaintiff demands:
Entry of judgment in rem against the Defendants
above named in the total amount of $370,879.07 as
stated at Paragraph 7, plus all additional interest
and late charges accruing through date of judgment
entry; and
Foreclosure and Sheriff's Sale of the subject
mortgaged property.
THE
LAW OFFICES OF BARBARA A.
~r;1
Barbara A. Fein, Jsquire
Attorney for Plaintiff
Attorney I.D. No. 53002
FEIN, P.C.
BY:
ALL THAT ctRTAIN condominium Uni~ eicuAc*, lying and bting
in ~he BoroUgh ot Lemoyn8, CUmborland CoUnty, Pllnnsylvania,
described ~d. Unit: NOI 11, Bridqeporc CondominiUms, ~
tlexible oondominium, in 4 beolaracion at Bridgeporc
Assoqiaces, Inc., dAted Dooe~ber 19, 1988, ~hich hilS
huhtotore been ilubmiHed b:,..thd ~ro"islons at I:he Unltont
condominium Act, Act: or JUly ~, 1980, ~1~1 286, No. 9~ (6.
Pal cls.AI &:1101 eCI soci.) by the recording ot l:he sAid
bedhrat10n in the ottics ot the Rocorder of Deeds, . 11\ And
lor cumberland county, pennsylvania, in "iSd. Sook 358/ pag'
S71. The Deola~Al:lon pla~ wll:h al:l:ached Dwg. 381.1 site
DevelopmBn~ Plan'bY D.F. RAttensperger Associates dal:ed
ocl:ober is, 1985, roViaed Oecember 1" 1985 and FebrUAry ~,
1985 and Plans ot john Butler DaVis Assoeial:es of vA~iou~
dHd, are t:ecorded in I:hh otHcll ot I:he Rl!IC!order ot Deeds
in ahd tor cumberland Couhl:y, PennsylVanl~, in ~lan Book S1
61:. PAcj~ 91
i ANb l:he sAid beolarac!oh has been Amended and t:a9I:.a~ed by ~
r ~s~ co~r'o~iVe Amendment and nostAl:emenc of ~h. .4id
b'dtaratIon da~~~ December 29, 1986, and recorded JllnUa~y 9, 19d~
lh ehl!l ottioe of ~he Recorder ot beeds ih and fo~ CUmberland
CdU"I:Y, Penl\aytv6hIa, 1n Hieel Book 359 at ~age 3!d, togecher
Wil:k reVitidd D~dlAr6tion Pla~s Ahd plans reoord6d in kighl:. ot Way
piA~.book 9, Page 291 'f
MIDI the /laid Dl!ctal:a~ion has been tUrl:he~ Am.ndl!d bt An
Am6ndmen~ \;0 Declar~tion, dated July 5, 1989 and recorded July ~,
~9~9 at MlsOI BOOK 366 at page ~11. .
~"b, Oectiral:.ion ptans tor Buiiding NOI ~ tor B~idgeporl:
cohJominlUrod haVl! bl!en ~'corded in RighI: Q~ WaY fian book
0, Pag6 ~!I Tog.l:har wl~h 611 il\ibiat uhJivid.a hl:..etjb
Ap~Ur~enanc to the Unit il\ all CommOn ~l'~.hti ad d.t nad i~
chi beclaraHolt ot !12n I Thli pll~c'I1I:Atj. iEl lSUb~.ct: to
diillihUl:ion chrough d lutton, ill icco~dilnc' ",Uh l:ho add
bed16ra~10n, Qr as additional unibs art added be bh_ .
condominIUm through 6mendmen~. 1:0 thi Deciarabiohl The Unit:
ij mUnicipallY hUmb'red as !21 Brid9'vie~ Drive, L'~dYn',
PlII\I\iY1oJanU I
. . .
u tBheing p'r~ ot I:he Mam' preml~e. ~hich "aAbroU~k Sl
n~ 9 b, eh al. by deed r'cQ~ded a~ cUmb6tiAnd cou~l:y
R'co~det of De ods a~ Book R-j~, ~4qQ 26a, dic6d ~6rch 9
1981, did 9ran~ Ahd oonV6Y un~o 8rldqeporh Associ.~e., !ncl
I '''''EXHIBIT'
.... . C":;,
j.'.A
(;ertified true UI'" CUL'l7,r/AC'L '''I') UI <lL 1.1;1.11..... /
Pl.... nohlln R..o,aod Doc\ 01 To. ''II! I /10
L~~C~~~i'UlM-~~~~IN~OR'O^OE COIAPANY' I C //1/( ~ I/{ / (
rn~D~llrct~IAD 21705.Q9BO Ii '
~S2Di071EU
.',
(Spiel ^"o~. thl. Un. lor Rlcordb'G DIIA!
MORTGAGE
'tills MOllTC1AoB ('Se.u,lIy Instrument') Is given an ................................J,ULY....,11ll1t.......................................................1.... .
11,e tno.lg'Bor Is ....l!fI!/,~.."..l.Y.\np..J.\"p..MJ!;.I.!t~.f.1\MP.I.I.tlt.\Y.lfl.........,....................................................................................".,..
.....................h....................................................................11....................................................................................................................1
...................."...............................................................................................................................................,............................................
("Uatrower.). 111ls SecurUy Inslrument Is given to ......................................10.....................................................................................
...r.II!,p.RllD!NIIAL/lllM!.MlIIlT,QIlI1!.Cll.llMHY..IKll...............................,..................................... , which II ors.nl7.td .nd elllUIIB
under Ule 14M or ......IHf.'.TAT.!.QF..H.1W.JER3.E.V........................... I and whose dddrt'J I. ..............................................................
...llll9.9..~!lIxl.A".I1..ft1l!"!JJ.~,V.tr.e.1Mlll..IlI.llY.TQ"..Mll..,O~J.M...............................................,.................,.........................................,....
('lender'). Borrow.r owel I.e"d.r U.e p,lnclpall~m or ....TAIReE.IIUl.lllRell..f.lIRtY:.IIIHt.llll:..UftlllAlI..UI.l\UNIl/l.O....,..........,..,..,
.....t.\f.T.Y..f\HD..MQI.tAa.............................................................................................................................................................................;"
boUa," (U.9. S ...,...~.4U$ll.1lO.................). 11lh debl II tvldenced b1 Docenwer's 1101. daled th. latnb dald .1 thll StcIItllY
Ins!tUmenl ('Nolo'). which p.ovldes ror tnonO.ly paymonlJ, with lho lUll debl. Ir hol paid mller. duo and pay.bl' 011
..AUll.V"'T..l.~JlaL............... . thll Secu.1I1 Insllllrnenllecutei 10 londer: (1I) th. tep.ytnenl or thb d.bl evldelleod by thd
Nol., wlOllnlor..I, .nd .11 tenewals. .don.lo"s .nd modlneaUons bt tho Nolo: (b) Olt paymenl or aU othor ,Uml. wllh Inltresl,
lIdvane.d under paras.aph 7 10. ".oloct the .eeu.lly or this SccUtll1 Instrument: and (c) the perto.malle. or lIe.rolllet'A
eovenanlJ and agreeme"b IIndo. 1It1, Seeurlly l".!rUmenl and the Nole. For Od. putpo.e. Borrower docs hereby tnotlg.go.
,ranI and convey to le"d.. O.e roIlowlng described r,ope.lY loealed In ...CUMplIllAHlI....................... Counly. PcnnlylvanlS:
UDAL DESCRIPTION IS AtTACHED IlERUO AS SCHEDULE "A' AND MADE A
PART HEREDF,
whlcl. hlll 1I1e addless ot .......U.\JH\!P.!llV!.r.<<..Q.!\IY.L..............,.............f".......j...,...................................................,........................ ,
.lreel
.......,......~~M!!Y,ljl...Ialyr......'......"............,.................. , renn.ylvanl' .....\r-~~'c~il',;r... ('I'rore.ly Addrell'):
,
...ool!1'IIEIt wlrll all the ImptovcmenlJ how othtrcaner trecled oh lI,e propetly, .nd BlI tasttnehlJ, .~pUtlon.n.tll .hd
hxlurtl 11011' or hete.ntr . p..1 or the ~.opetly. All .cpl.cements and addlUolI1 Ih.1I al.o bo co~md by thll SceIJllly
'nslrumen!. All ot I!.c totegolnB Is tete.red 10 In Ihl. Sceu.1I1111lUumenl as the 'I'topcrly:
nORIlOWl!1t tOVENANTS 111.1 hOlfowe. I. IlwlUlIylehed orlht e.I'le hotthy toh~eytd .hd 11'llhe tl,hllo 1t10tlg.~ti.
tr.nl and tonvey IIlc P,ope.IY I"d lhat Ihe I'roperly Is unencumbered. uetpt tot entumbt.netl at toeold. UotlUwH
watranll and will derend Benetally Ihe lI~e 10 tha Prop..ly against all claims alld dem.ndl. subJecllo any tncumbUhtl>l at
teeord.
Slngl. hmIlV', tNIINmLMc lJNIFonMINSTnUUEN
PENNSyLVANIA
. EXHIBIT
e
FORIA:lO" btIl10 I~.,a I bt. ~','Il
ECIlIL l1aY. 10111111
1'1115 Sr.ClJRrrV INSTnlJMr.Nt co'nhln.. IInlrornl cov.llanl. tor noUon.1 U.o and non,unltorm toven.nl. with IImlled
varlnlloll' by jurlsdlcUon 10 con.lllule a unlrorm ..eurlty'ln.trumenl tov.rlng t..1 prop.rly.
llNI"ORM CUVENANTS. boreow.r "1Il11..nder tovcMnl and agr.. II toIlOIl'S:
I. PQynlehl ut "rllldp.1 and IlItetest; I't.pa~nlenl and l.al. t~at~es. harrower Ihall pronlplly'. ~ay when du~ the
principal ot al.d Inler..11 on tho d.blevld.ne.d by Ihe Note and any pr.pllymonl and lal. thargt. duo IInder the Nol..
t FUnds tor TAXes .nd IlIsUt:lnt.. SIII,)eell. applle.bI. law or 10 a wrltt.1I waiver by ltnder, Borrower Ihall ~ay 10
l.ndcr on II,. day hlonthly paym.nt. .r. dll. und.r Ih. Not., unUI 11,0 Not. It paid In full, a .um ("Funds') tot: (a) ytatly
I.... alld a..aunlOnl. wl,leh may oUnln Pll.rlty ov.r 1I,Is S.enrlty IlIItrulllelll al a lI.n on 11,0 1'loperlYI (b) yearly I.d..hold
paYIII.nlt or gro~lId I.nl. on tho I',oforly. It any;. (~) yo..ly hourd or lltop.lly Insurance premium.: (d) yearly hood.
In.uranc. premium.. It any; (.) y..rly tnorlgng. In.uranc. p,.nllUlll., It anYI alld (I) any luml pay.bl. by bottow~r I. '
lend.r, In oceordan.o with tho provIsion. ot paragraph 8, In It.u or 11,0 paym.nl or mo'lgago In.ulance prcmlUhll. 1i1tte
It.m. are call.d 'I.!.erowltcm." I.ender m.y, at any limo, colleel and '101d FUlld. In ell amounl nollo tle.td th. tn..ltnUtn
omollnl d londor tor a todorally r.lal.d morlgag. loan m.y r.qulro rol harrower', es.row leeoUhl Undol the ~deul It~al
I:lIal. SolUemoll1 I',ocedur.., Acl or 1974 a. am.nded tram limo to 11m., 12 U.S.t. Seclloll 2611\ tl It<l. ("llI!SI'A '), Ilhl'i1
anoll,.r law thaI appllu 10 the Fund. .els ~ leller amolllll. Ir AO, t..nder Inay, al any bme, call tel' and hold "ulldllll du
amollnl lIallo uteed the lesser amounl. I.ender may o.tlmal. Ule arnouill at "und. due on the ba.I, or currthl dald dlld
rea.onabl. ..lImale. or exp.ndltures ortulUr. !:serow II.m. 01 oll,erwl.eln aecoldance with dl'pllclbla law.
'1110 ""nd~ Ihall be held In un h"Ulullon who.. d.l'o.11I are In.bred by a tederal ag.ney, In.llumenl.llllly, at ellllly (lnt/Udlns
t..nder,lt lender 1.llIeh an Inslllullon) or In any "ed.ralllom. t.oan bank. l~nd.r .hallal'ply the "undllo pay th~ I:sctoW
hems. lellder may 1101 charge nurrower rOl holding and applying tho FUndi, annually analyzln. the "etolY aCedunl, 01
verifYing Il,e E.erow lI.ms, ulllesl londer pay. hotlower Inleresl on the "ulldl and apl'llI:dble law \ltrmlls I.ender I. make
IUeh a charge, lIowever, t.endet may requlr. lIorrower 10 pay a one.llme thdr.e tal an Ind."endthl t'ol "laid 18' tepatll"!
servlco IIled by lender III cOllnecllon wldlll,l. loan, unles! apl'lI..bl.low I'rovldesotheml... Unle.. all "Sloemenll. tnado or
appllcabla low lequlros Inleresllo he paid, lender .holl nol b. rcqulled la ,,~y Ilortow.t any Inleresl 01 .a,"IIS1 on the "ulld..
1l0rro"'.I and lendel may ag,e. In wrlllng,I,nw.v.r, lI,at Int.resl .hall he paId on 110. Fund.. I.ender shall siva tn ~oltowet,
wlthoul .harge, .n anlluol dccoUnllng or IhO fund.. .howing tr.dllJ and d.bllJ 10 tho Fund. and the "urpo.. ror wblch tach
deblllo th. "und. wal mado, 11,0 round. .r. pledged a. addIUonil..eu,lIy tor all Ibm. .ocur.d hy IIdl Seeurlly 1l"IlUmelll.
It tho !'lInd. h.ld by tender .Ice.d II,. .1IIaunll p.rmltled 10 b. held by applieable law, lond.r .hall aceounllo Dorrower tal
II.. ..c... "Und, In occordaneo wllh Ih. r.qulr.monll ot appllc.ble law. It the amollnl or tho Fund. held by lender 01 .ny
lime II 1101 sumelent I. "ay Iho Eterow Item. when du., l.nd.. may 10 nolll}t narrower In wrltlng, and, In ,uth "'0 bortowet
.10.11 pny 10 tendel the amoblllti.....ary 10 make bp UIO d.ncleney. Dotrow.r .10011 mako Ul' the dencl.ney In no Inot. thall
Iwtlv. IIIOlllhly paymenlJ, all..nder', .01. dhcr.llon.
lll'on paymenlln lUll or all ,Um. ..eured hy dd. S.curlty IlIIlIum.nl, lender .10011 promplly retulld 10 norrowor allY I'und,
Ioeld by lond.I, Ir, under paragraph 21, I..nd.r .1..11 acquire or ..1111.0 l'roperty, lender, prior 10 lI.e acqul.IUon or sale or
the I'rol,.rIY, .hall apply any "und. h.Id'by I..nder al lI,e lime or aeqnhltlon or 1010 as n erodll agaln'llho sum, .eeured by
1I,l.Securlly In.trumonl.
j. Appllcallon lIt /'aynJellls. Un I... applle.blelaw provides otll.rwls., all pnymonll lecelved by lender IIlIder paragCBph. I
and 2 .hall be appll.d: nrsl. 10 any prepaym.nl ellarg.. dae under tho Nole; ..eond, 10 amounl. payablo under puagraph 2;
Ihlrd. 10 11I1.rell due: rourd" 10 principal duo; and la.I, 10 any lalo ch.rse. dUe under the Nole.
4. C~algcs; Uen~. borrower s1,all pay all lax.I, ....um.nll, charg.., nne. and Impo""onl altrlbulable 10 lI.e I'rOl'etlY
whle~ hlay allJln prlollly oV.1 1111. Seeurlly In,trum.nl, and leasehold paym.nll or sround renll, Ir any. Dorlower Ihall pay
the.e' obllgallolll Ih lI,e tnann.I p,ovlded III "e,ngralllo 2, or It noll'ald In thai manner, Borrower .hall pay thenl on 11m.
dlroctly 10 the p.uon owed paymenl. norrowel .hall promptly furlll.h III I.t,"lor all nollce. at atnounl. 10 be paid und.t 1111.
p_rngrdph. Ir Doreow.r t"ake. Ihes. paym.lIl. directly. 1I0rrowor .10011 promplly furnish to lendor t.e.lplJ' evidencing lI.e
'~aYlllenll,
Dorrower Ihall "rolllplly dl.eharg. any lI.n wlolch hu pllorlly ov.r Ihh S.cu,lIy In.trumenl unl... Dorrow.r: (.) alree. In
wrlllnglo Ih. paym.nl at Iho obllgallon I.cur.d hy th.llen In a mann.r a..cplAblo 10 I.ender: (b) conlesl. In good talth tholltn
by, br der.nd. agDlns! .nrotc.m.',1 at II,. lI.n In. legal rroe..dlng. which In th. l.nd...s opinion operale 10 plevenl III.
tntorcelllelll or.II,ol'ell; 01 (c) .eeur.. trom the hold., at thell.n an igreemont .alhraclory to lend.r ,ubordlllallnstht lIenlb
thll S.curlly In.ltulnent. Ir l..nd.I deleernlllo, U..18ny part otll,e P,ol'orly II lub/.e1 to alien whIch may aUaln prlollly o~et
Ihll Seeurlly Inltrlllll<nl, 1.0nd.1 tnay glv. norrowel a 1I0Ueoldentltylhg III. lIeh. "orrower Ihall IIl1sfY the lien or take aile bt
tnDre 01' the dell ani lei torlh above wlll,ln In day. ot tho giving at 1I01lee.
~. lIuRtd or (lraperly Insurall.e. lIorrower Ihall ke.p lIoe IoIIP,ov.menl. now ell.tln8 or he,ean., elected 011 lI,e P,ol'elly
Ih.UI.d agoln.tloll by nre. hiurd. Ineluded wllhln u,. lerm 'ealended eoveuge' and ally ollter hazard., Including noodl 01
no oIling. tal wloleh I.end.r reqUire. In.urDnee. Thh In.urnnco Ihall be hldltllalntd In tho alllounl! and rOl the ptllodl thai
lendcr lequlro.. ., he In.Urahce carrl.r p,ovldlng 110. In.Uranco .haU be thOI.1I by Borcow.r ,ubleello blld.r'. apl'toval
Slngl. raml1v tNIIAlnlllAc UNIFonlA INslnllllEIII
PENNSYLVANIA
FORIA 30JI IlII1d (P.gI 2 01. paul.'
lCIlIL nlV 01iDflt I
"
whl.h .hall hol b. uhl'~lon~bly wlUlheld. If IInrtower t.lI. 10 maintain cov.uS. d..crlb.d abov.. l.ndet may, ~I bndri'.
opllon, oblaln cov.ras. 10 prol.tlt.nd.r'. rlshll Ih 11'0 I',op.rly In accordonc. with poraBraph 1.
AlllnlUronc. 1'011.1.. and r.n.wnl. Iholl h. accepl.bl. 10 I..nd.r and Iholllhclud. a II.nda,d mo,lgaga tlau.a, l.hd.r lh.1I
have 1I1e tlghllo hold Ih. polld.. and r.n.wals, Ir l,.nd.t t.qult... boerowar .h.1I prompUy Slv. lo.lend.r ~II t..~lpll or
I'old pt.mlum. oud t.n.wal nollcOJ, In 111. av.nl or lOll, Do"ow.r .h.1I glv. prompl noU.. 10 111. 'Inlutanca .artl.r Ind
tend.r. L.nder may mok. proof of 1011 Itnol mad. promplly by Dorrow",
Unl... lend.r and bottow.r oll1.rwl.e asrca In \OIrlllns, Ih.uranc. "to...d. .hall b. Ippll.d In leslor.Uon at I.~dll at thh'
Property damos.d.lf th. teslorallon or tepllr Is eeonomlcally raaslbl. and lender" murlly II holl.lIl:nhd. Ir th. hlldhllloh
or tepall Is hot .conomlcllly teaslbla or t.nder'. Itculhy would b. I....n.d. th. InlUrlnco proceed. Ihlll bi! Ipplled Id Iha
.um. ..eured by 1It1. S,cullly Il\Iltumenl. wh.th.t Or hollh.n du.. will, any e.c... paid 10 bortowar. Ir Sorrowe. abaudoh'
lI,a I',operly, a. do.. nol an.wer wllllln 30 day" a hoUca trom t.nder lI,al lI,a Inlurane. camet h.. arr"ed 10 t.llla . clall,!.
lIten L.nd.. ma~ .olleclthe Inlurlue. proe..dl, l.nder may u.. the proc..ds 10 .'1'11. or rtslor6 th. Ilropetly 01 10 Ilay
.Um. ..ctJr.d by lid. S.ctJrlIY In.uum'III, whelh.. or nol IIltn du.. Th. 30.day period will b'lln when ilia noUc6llglVeu,
Unl." l.nder Ihd Doerower olh'l"\Vh. Isree In wrlUns. any appllcallon or "toce.dllo ~rlndpal .hall nol.xlend at ~o.lllona
lit. duo dal. of ilIa lnonll,ly p.ymenb t.reeted 10 In "It.grlplll 1 aud 2 ot ehahS. th. allJounl at Ih. pdylnelllJ. It Ulld.t
plrlsraph 21 th., Prop.,ly Is Icqulr.d by lend.t, BOrTow.t'. Ilshllo ony Insurlnco polld" and pIooted! IblulOHlltaltl
domos. 10 tho "roperly "riot 10 th. Icqulsl~oh ilt~1I ~111 \0 buder Id the .dcnl or the iUml I.ellted by thlt SttUrlly
Inllrum.hllmm.dlol.ly I',lot 10 II,. acqullllloh.
6. Ottlspdnty, l'.emi:llloH, Malnlcnanct Ind litdltl:tloh lit lite lltoj1diYi lIortower'. l.b:IH AIlI1f1~Ub"'
lw.hblds. Dortower Iholl occupy. esl.blllh, ahd u.. IIle Property at Uorrow.t't "rlnclpol It.ldatle. IItlthln ildy ~ayt ah.t
U,e ...eUllolI ot thl. S.curlly InlllUm.nl Ind .hall con~nu, 10 occupy th. lI'operlY .1 Dottowet'l ptlnclpll telldatttt tot dI
I.oll oh. yi:at an.r IIle dol. or oectJponey. unl... l.nd.r otherwl.. aAt.e! In wrlUns, \OIhleh eons.nl .holl Hol be UnttaloH,My
\OI11I,h.ld. or unlOJs .xl.nu.Ung clrcum.l.n... axlsl which a'. b.yond borrow.t', conlrol. Dottow.r ihlll nol deilroy, dalrldS.
Or Impalt II,. "rop.tly, Illo\Olth. I',opeely 10 d.lerlorol., or commll wotl. on th. "rop.tIY, Dorrower ,h~1I b61n defdulllf ahY
tortdlUr. acllon or "roceedlns. wh.Ultr clvll or trlmlnll, II b.sult thot In lender't sood talth ludAmOl1I tould I.IUIIIII
tortell1lr. of tho !'rop'lly or alloerwh. trt~lerlolly Imp.lt II,. lI.h cr.lled by II1ls s.ctJ,lly 'n.llUmehl ar Lehd.t.t ttcUtlly
Inler.II. Uollow.r moy cIIt. lueh I derlult Ind t.lnllll.. al provided In p~tdgraph 18, by eaullhg tha atllolt at "ro~dlns 10
b. dl.mlll.d wllh a rullhS thol, In l.nd.t's lood tll~1 d.t.:,mln.Uon, preelUdal folrellur. or the Boerow.t'l IlIlatelllh the
I'roperly ot oUltr tnalerlallmpolrm.nl or the lIell erealcd by thh S.cutlly In.lrttm.hl or lOl1d..'slectJllly Intridl, Dottow.t
Ih.1I allo be In d.toultlr Dortow... during 111. loan Ipplleallon pro.m, Aav. moletlally r.I.. at lnl.cIIrlt. Intolthallolt at
lI.l.menl. 10 lehdet (or rall.d 10 provld. t.ndet \OIlth any mal.rlallnformIUan)ln .0nneeUon with III. loan avldeheed bylha
Nol.,lneludlng. bul holllmlled 10, r.p,."olallon. conc.rnlnA 1I0trower's o.cUp.ney orth. Properly at Illrlndpallesldi:nc..
Ir U,I. S.C\lClty InlllUmenll. on a I.alehold, Dorrower sh.1I comply will, alllh. provlslonl ot the Ie..., If horrower aeqult.l
fee 1111.10 Ill. I'roperly,th. I....hold Ind tho r.. UU. .h.1I nol merge unl... L.nder IS"" 10 the metser Ih wrlllnl.
7. l'.olectlon at tend.r'. Rlllhls In Ihe I"topcrly. Ir Borrow.t rallllo pertorm lite covenanb Ind IV.CI1\.nb contain ell In
litis S.elltlly Inol,umonl, 0' there Is a les.1 proc..dlns thol m.y .lgnlOclhlly Irr.ell.nder'l IIshll In tho I>roperlY (IUeh al a
pto.lledlns In blnkruplcy, probale. tor cood.mnollon or rort.llu,o or 10 .nrotee law. or r.suIIUohl),lI1.n Lender may do and
poy tor whal.v.r Is I'ec....ry 10 p,ol.dll1. valu. or Ih. I'rop.tly Ihd L.nder'. tlshlllh Ule P,operly. lend.t'. Icdonl moy
Include paylns any .um. secured by 0 lI.n wl.leh h.. p,lorlly ov.t 11tI. Security InsltUmenl. app.arlns In COUll, \Iaylns
teo.onoble allorn.y.' rees and enlerlng on Ihe Properly 10 make t.polll. AllI10ush tend... mlY lak. leUon undot thll
pa'osrlph "lender does hol h.v.lo do '0,
Arly amounls dl.bursed by l.nder under U,b po'.s,oph 1 .holl become IddlUonal d.bl or Dorrower ..ctJr.d by Ihll Securlly
In.Irum.nl. Un Ie" Borrower and l.nder ag". 10 other lerms of paym.nl, thes. omounls .h.1I bear Inl<reslliomth. dlta or
dl.bullCl1\e,1l althe Nol. 101. and .h.1I be poyable. with Inlere.l, upon nollce trom lender 10 borrower reqUasllhs \Ilymenl.
II. MoIIKlIg. Insutlnte. Ir bnder r.quired morlsog. IlIIurllhe. II a .0hdlUon at maklns 111. loin ...urad by thll S.curlly
Inlllum.nl. borrower .hall pay Ule premluml required 10 malnloln th. morlgal' InlUrahCO In tIJ'ecl. Ir, tor Iny rel.oh, 111.
motlsa!olnsuranee tov.,.se t.~ulred by I..nd.r 1'1'101 or c..I.. 10 b.ln errecl, Dorrow.r Ih.1I PlY Ih. premluml t.qulted 10
obtain toyerasa .ub.lanUally .qulvalenllo 111. ntorlgoSe Ihlur.nce pr.vloully In .rr.cI, ala cod lubsllnUllly .qulvll.nllo th.
cosllo borrower of Ih. tnorlsag. Inlll,anc. prevlou.ly In err.e1, r,ont Oh allernol. morlgal.ln.u,.. approved by bnd.r, It
lubsldnUoUy eqUlvolenl morlsas. Inluranct coveelC. Is hol avallobl.. borrow.t Ihall PlY 10 I.endee ..ch Inonlh , lum .quII
10 an..lwelnh at tho y.arly morlgase Insurlnc. premium belril "old hy Dorrow.r when 111. Inluranc. covarlS. IIp..d or
..lIled 10 be In .rree\. l.nder will aeeepl. U.e ond t.\llnth... paymenllllS a 10.. Itmv. In lieu ot morlSI!1 Insurance. lOll
merv. "Iym.nll may hO lonsor b. requl,.d, al II.. opllon or t.nd.r, It InnrlSIS. Inld,anee COVCl8&. ~n the ImoUhllnd tot
the \Ierlod lI,al l.nder reqUires' ptovldcd hy an Ihlurer app,ov.d by I..nder a!lln beeomes Ivollabl. Ind I. oblalned.
Borrower .1.111 pay th. premluons required to Inolntaln morlsos. InlUronra In .rr.ct. Or 10 p,ovld. I 1011 'tOlerve, unlllth.
t.qulr.m.hl to. morls.s. In.uraneo endl In aceordone. wllh ony wtlllen ove.m.nl between bollower Ind bnd.t Or
appllcobl.law.
Slnglo hmllv - FNUAlFUlUC UNIFonu INSTnUuEI/T
PENNSVlVANIA '
FonlA :JD38 oiIlIo Ipa.. ~ .1. Pi.tI'
C....l n..., 0111.111
,",
9. 11I~I'rr.llon. I..nd.r Dr II. as.II' n'.y In.ko re.,onlhle e"'rle, upnll and 'nlpeeUons Dr 'he I!,oper'y. Lrnder sh.1I s'.e
hotrowet noUee II 'he Um. or or pr'nr 10 .,,'nspeeUnn 'r,.clf)"nS re.son.h'e eausI ror II.. In,p"eUnn,
to. tblldrllll1~lIon. '1.. proe.ld. or any award or c10lm for d.'''"g.., dlr.ct or eon'.'1"."Ual, In eonneellon wlU, any
eondemnaUon or o~l.r laklns or any pori nrthe "roptrly, Dr ror eon.eynneellllleu or eondemnaUon, are h~r.hy assigned and
thall be ~ald 10 ltn,let. "
In Iho bvenl ot d 10'allakl"S or lI,e "roperly. the ~roeeeds shall be .pplled to the .um. leeured by 'his Slcurlly In.llbmenl,
whether or hol IIlen dUI. will, any exe... paid 10 Dorrowor. In 11'0 .vellt at a ".tUlllakln! Dr th. "ropetly In which tht r.lr "
markel vnlUa or tho "ro".rty Imm.dla,.ly borote lI,elaklng Is .qu.llo or !r..l.r than the amounl otlh. .uml leellrtd by thl.
Secutlly tnsltumenllmlnldlalely berore the lakln!. unlo.. Dorrowet an,ltend.r otherwhe ogre. In wrlUng. Ul~ lumlleeuted
by this 5eeurlly Im'rument .h.1I be reduced by Ihe amoun' Dr the proceed. mulllplled by the rollowlng !l'aellon: (a) the 10101
amount otth. .um. .eeured Immodl'lely h.rnre lI,elaklng. divided by (h) the r.lr market value orthe I',operly Immedlalely
bero,e the laking. AllY balane. .hall b. 1,.ld 10 Do'tower, In III. .\'enl or a "a,U.ltakln! or th. Prop.rly In wlolelllll. talt
mdrkctv.lu. otU,e P,0"er1Immodlal.ly h.ror. 1I,.I.klng 1.1...lhon II,. a,noUl,1 orth. ,ulhl.eoured Immodlaloly borore ilia
laklns. unl... "nrtower A" I.ender olherwllo agree In wrlUns ot unles. applicable law otheewll. "rovldes, U,. ptoceed. Ihall
b. .p"lIcd 10 tha s"m. ..cured by Ihls Securlly tnllrum.nt wh.lher or nol Iheluml a,. Iher' duo,
Ir th. I'topetty II abandon.d by boreolYor. or It, aner hollc. hy I.e"dcr 10 "ortower thai tho .ond.mnot orre" 10 /nake .h
aWArd ot .elll. a claim ror damages, horrower ralll 10 tespond 10 llnd.r within 30 days liner tho dol. the nollce It Slvttl,
lender Is auII,orl7..ct 10 collod and ap"ly the "roooedl, 01 Its opUon. either 10 ,esloroUon or repalt or th. "ropttly at 10 Utb
'Um. ,eourad by 1I,I.S.curlly Inllrumonl, whelher 0' nolth.n du.,
Unle.. I.end.r and 1I0reower olheewls. ogre. In wrlUng. any ap"lIeaUon or ptoc.eds to p,lndpal .hall hot edend bt ~oal~onb
the due dol. ot Ih. monthly paymenb ,er.rr.d 10 In parasraphs I and 2 lit cha"s. the amounl or such "aymenll,
II. IInrrllwet Nol Released; ForlJcarance lIy l.rndet Nol i Waiver. lJalcn.lon or the 11m. rot paymenl ot modrncalld"
br ,morll..llon or the 'Um. secured by 11,1, Security In.trllm.nl sranled by lendet 10 any .uccessot hllnleresl ot boUoll'et
Ihall hol operale 10 rele.,. Ih. lIa'"llty or Ihe orlglnel hotrower or Dorrowet'. IU"",,"oti In Inlerell. ltrtdet Ihall hol ba
t.qulred 10 comlnenc. ,~tocecdlng. asolnol any .Ilcce"ot In Inletell or rclUla 10 t.ltnd Urn. ror paymenl or othatwlu 'nddlty
alllo,IIutUo" br Iht luml .eeur.d hy thl. Security Inl!tumonl by lealon or any domand made by Iht IItlglllal bortow~t lit
borrow..'i lucc....or. In Inleresl. Any rorh.a,a"c. by tender In e..tclsltlll allY Ilshl ot remedy thall tlol b. i llIalvat bt ot
~teclull.lIl. o.ercb. ot any tight ot remody.
Ii. Snel:tSSors lInd Assigns D~und; .Iolnl ~nd Severil 1l.I.1IUYI to-signets. The eovollanu ahd agteeinenU or IIllt
SeCUrity In.trumenllhall bind a,id b.nom II,. ,Uce.llo" and asslg". ot londer and Darrow.,. 'UbJecllo th. I'rolllllolli ot
patostaph 11. 1I0reowet'. eoven.nls and asr.emonb .hall b. loin I and ...eral. Any botrow.t iIIhd td..lsnl thl. SecUtlly
In.trumenl bul does hot ...cut. Ih. Note: (a, II co..lgnlng 11,1. Secu,lly Insltbmehl only 10 mollSaSe, Ilt.nl illd cortv.y lItal
Uolrowet'j Inlemlln lI,e "roperly und.r Ihelerm, otthl, SecUrity In'IrUlnent; (h) Is 1101 ~arson.lly obllg'l.d III ~.y Ihe tll1l11
leeured by 11,11 Securliy Inslrumon\; and (c) Igtees II\1t1llnder .nd nl1Y othct bortower m.y agr.. to ultnd. modllYI tolbellt
ot lO.ka any accolOmodallonl with tegord '0 ~,. larml or Ihll S.curlty Inlllumenl ot II,. Nola WllI,oul !hat bottower.t
eonlOnl.
1:3.1.0111 thargcs. Ir th.loan I.cu,ed by litis Secu,hy Inllrulllthlls .ubfecllo II law which sets maslnlunllolIlI thalget, Ind
IIlallaw I, nnally Inl"pr.,.d so Ihallh. 1"I.r..1 or other loan charges eolleclod bt 10 h. eoUeclld III eonneello" with Iht loa"
txcted Ih. .,etmltted limlls, 11,00: (a) allY such loan charge Ihall b. r.ducod by Ih. amounl n.c.lIat; 10 t.ddeb th. .hatilllo
II,. ~ermll1ed 110111: ond (h) 'ny sums al,eady colloclod rrOIll Borrowtr which txctod.d "ermllled limits will b. teI\J"d.d 10
bolroWt./'. lender may choole 10 m.k. 11,1, "rdud by tedUelng the principal owed IInder tho 10101. br by tllaklns a dltecl
l!oYlOe~1 10 lIortower. It a ro/Und toduCCl p,lnclral. th. l.ducUon will he tr.alod as a parUal prep.ymelll wlthoul ally
"ropaymolll charge Under the Not.,
14. NolI.e;. Any noUc. 10 Dorrowor rrovlded ror hi 1111. Security In.bumenllhall b. gl.on by d.ll.orlllg II ot by tnallltlllll
by ntal c1m mall III1I.S! ap"Ucahl. 10'" t.qulres II.. br alloUler I"oll,od, '"he nollct Ihall be dIrected 10 th. "ro~otly Addtesj
or any ollltt addtell Dortower deslgnales by nollc. 10 Lender, AllY 1I01lc. 10 lend.r thall b. given by nul class mdlllo
lthd.t'l addr.S! IIaled herein at any oll..t .ddress I.onder de'lgnal.s by noUc. 10 Borro".r, Any nollc. provIded rot In 1111.
S.curlty 'n.lll11nonl.h.1I be deemed 10 ha.o been sl.en 10 lIonower or I.endor when slvon as "rovlded In thll patagraph,
I~. l:o'"etlllng r..It; Se'erahillty."hh Sealllly IlIIlIuIO.nl .han h. gn..rnod hy red.rallaw Ind tht law or th. JuritdlcUo"
: In 11I1,1.11 Iho Prnpelly IIl0ealod.ln lh. e.ent lI,atany p,ovlslon 0' c1au,e nrthl. Security In.trumenl Dr the Nole conlllcb willi
ap~lIcable law, IUch eonnld,hall hot BITeel olh.. prn.lllon, or 11,1, S.cutily In.!tumenl Dr the Nol. which eon b. slven err.cl
WllI,oulll,t eo"IIIeUhS ~tovlsln", '1"0 this end Ihe "rovlllnnl or 1I,Is Securlly '"lIrllmenl and th. Nole Ire doelared III be
I.vetable.
16.llbrto\~et'd tnpy. borrower .hall be gl.on on. cOllrotmod col'Y otUlt Nolt lnd orll.1s Securlly Inllrllmen\.
11. 'J'tanstrr bt Ihe Propctly bt . nen.nti~llhlertslln IInrrnwer. It all ot any part or the Prop."y ot any In'.rellln II "'
I. lold ot Itanlr.rred (Dr Ira henelldallnleccsl In Borrower 1I10ld nr trahlron.d and Borrower Is nol a natutal person) wllhoul;'
drngl. Fa..Uv - FNI.AAlFlIllJc UNIFonl.llNsrnuMfNr
~fNN'YlVANIA
FonM :J0311 0Il1llO IPage 4 at. pag..)
EClttL n.v etlOllll
llnder'l pllor Millen conllnl, lend.r nlIY, alll~ opllon, tequlre Immedl'le p.ymenl hI filii at nll,unn mUI'~ by thl,
SeeuIlly Instrumehl. 1I0wlvtt, UIII opllon Ih.U nol be emcl,.~ by I.ender It emdl' III'rohlblle~ by 1'r~".II."" II bt UII
~ale otllll, SectJtlly InllrUmenl. .
It ltllder exercises tJ,l. opUon, lender 11,.11 Alve Dorcow" no lice hr aeeelorlUbll. 1 h. noUe.lh.1I Plovld. I potlo~ 01 hollm
IIlan 30 ~'YI rrom the ~al. lite noUeell dellverod 01 mlllod I'Ih/lIu which Dorrowor mull ",y .1I,uml neutod by thll keellllly
'nllkU'nenl. It bottowet r.1I1 In pay lI,ese ,uml prlot 10 Ih. __pltlUon ot Ihh period, len~1t InlY Invoh .ny Ulnldl..
per milled by 11111 SeeUrlly Inltrumenl I'Ilthoul rurlh" hoU.e ot demand nh Dottower.
18. Dotrawer'. Rlllhl In ltrlnit,le, Ir Dorlower Inotll oor~ln ellnd/UollI, Doltnwer ,h.1I ',.ve the tlahl In ltav'
tntorcomehl ot thl, Sccurlly InlllUnlenl dlleollUuued al Iny lIh1a prior 10 th. IIlllel on (.) 5 ~.yl (ot IUeh alh.. plrlud ,.
applle.blo I.w lnlY IpedlY tor lelnd.llmenl) berot. lala at II,. rropC1ly pUllulnllo Iny pow.r nl ul. ronlllh'~ Inthll
Seeurlly 'nIlIUh1enl! or (b) onlry or a ludamonl .hrorclns Ihl, SeeuIlly Inllnhnenl. Thall eondlUonl IIa U,.I ho/towltl (.)
pay' lbll~er aU luml which Ihell wo\lld bo dUI undtr Ihll Seeurlly Inllrumehlllld tJ,a Nole a,'t no 'eeold'UolI h.~ octUIt'~1
(b) eU," any det.ull bt any bll,et tovonahla or a.,eomenlal (c) rayl .11 eapehlM Ineulted III.ntolclnl U,lIlleellllly Inll/unltlll
Includln., bUI hol IImlled la, lealondble .1I0rney" teell Ind (d) Ilktl .ueh aeUoh al hnd., In'y t,"on.bly /lqUlra \u IUUr'
t1,tlllhellen brthll S.ellIlly Inl!tuln.I,I,I..tld,,'1 rl.101I hlthb ",operly Ind Doltow.... bLIISIUollln "ay 1I11111h1lloeU"d by
UII. Se.urlly 'n.!tumenl ,hili eonUuuo un.h.nsed, Uron lehul'lemonl bi botrowtlllhl. SleIIllly InsltOhtl"1 III~ lIr.
olollSlllon. IcctJctd hereby ,hili lernlln tully olTeeU~. allt ho l.e.leraUnn hId oeeUteed, 10wIYerl thll lIabllo "'nIIJII Ih.1I
holapply III tho 08.0 ota...ler.Uon uudor partl.rlplt 11.
I~. sile bl Nolr; th.hge 01 loan Smltel, 1'h. Nole ot . perllal Inlel..1 I" tho Noll (lo,ell'a! 11I1111 thll ~'.Ullly
InlliUmtttl) lnlY be .old on. or mole Ihn.. will, aU I "rlor noU.. 10 botlow'l. A Ill. m.y l..ullln , tlllna. In Ihl III1IIy
(knowlI OJ Ute 'I.oln !lervleel') 11,"1 collocll mnnlhly payn'enl. due ulldct the Nol. and 1I1111;..UIII, IlIluulnlnl, 111... .1,0
m.y b. bnt or lnol. tho"g.. at th. I.oln Servleer unrolaled 10 . ,,10 or lire Nol.. If ther, I, . ch.nsa at th. 1.0 In RII~I.el,
Dorrowor 11I111 bo alv," wrllle,' hollee ot tho .hln.e In leeo,d.lI.e wtU, pa,".r.ph I~ abova .hd appllcabll law, till hoUel
\vIII ,101. IIle hlme Ind .ddre.. ot th. lIew I.oon Se",leor and the Idd.... 10 which "aymenl. lloould ba lIl.d., 1 h. 1,0U.. llill
aloo conlllll In, other IlIrolmlUon required by Ip"lIeablel.w.
ill. IIt1Zl1ldous Sul"tlnrcl, DolcbWet .hall not tlU.e br p"mll U.. "rlunCl, Ule, dllpolil, 11011", or 111"11 bl Illy
"'7.Jll~oUS SUb".lIeel on bl In tht jJ,o"erty, Ilo/towtt lh.11 hol do, nnl .110* .nyon. II.. 10 do, IlIythlh. I""tll". tht
!>rope,ly Ut.lllln ~loliUon at. tiny I:nvlronm.h~II.IIY, 1111 preeedll'llwo Ithtelle.. Ih.1I hol Ipply to Ih. p,.llrIcI, UII, at
lIolaa' ort the r'oporly otlm.U:quolluu" or "'tll~oUI Suhd.n.elth.l.rl ,.II...lIy t.enanlred 10 b. 'pptbpll.lelo "blnl.t
1..ldenUnl Um Ind 10 hlllnlellnnco otll,o Properly.
Ilollow.t ,hili plOlnplly .Ive 1.000de, wrlllon nollee at Iny InvelU.lllolI, t1.lm, d.m.nd, Ilw,ulI or IIlhl' 10UoII ~y In~
aoverhmolllal 0/ legulolory ..000eY Or prlYlte p.rty Involvln~ tI.. Property III~ IllY 1I1111~01l1 RuLII.n.. or Ilnvltunmll1l.1
t.w or wllleh DOllow.r "1' actUa' kllnwledse. Ir nOllolllet 100rlll. 01 I, houned by .ny aO~lCnm.nlal ot le,ul.loty 'UlllolllY,
11,11 Iny temo~11 bt other tomedllUon ot any 1I.urdou, Subd.ne. .,reellna th. rroperly II htceualYI nolto~1t 11t.1I
~rom~lIy lako all hee8""'y temedlal aellon.ln Aeeoldlllc. wllh I!IlVllOllmohUII,d.,
A. olod III Ihll ~dla.lIplt 20, 'lId7./1t~01l' Subll.I1...' at8 1I,01t Iuhll.neel denno~ a, 10110 or Iltlrit~oU' lul"I'"d' hy
Ilhvlronm.nlal L.w Ind U,e tollolVlns luhsllntes: kllnll".. htDseno, nlhet ~ammlble ot Idll. "eUoleUltt No~~t1', 10110
/1clUdd.. all~ herbicide.. ~ol'Ule lolvenll, mllerlall oolllAlnlnl 111".101 at totltl"~ehyde, .nd tldlo..Il~. hl.II,I.II, AI UI'~
In 1101. ~arl.raph 20, 'Envlronrncn~ll.lw' InOln. rede..1 IIWI Ind 1111I1 bt tJ,IIUthdleUon 1II1t,"lh. I'ropltly IIlue'll~ 11111
tol'l~ 10 hellUl,llrely 01 cnvlronmenlal "rol.cllon,
NUN.UNlJ:C1Ri\l CUIIENANtS. Dotrowd dnd I.ender n"lh.r eo~elllnl'h~ il"l II tollowll
, 111. Aecclel,tlolll ItelnOOIO$, l,oodd Ihallal.e noll.e I. bnt.o..er ~tler In I.etltlllla" /hlloll-I.. IlOII"II'. Lilith tit 1"1
. ~b..nllll bt I."omehl I. Ihl. See~llIy Ih.hu","h' Ihol hbl ~tlot I. atttl.lAI/e" udtl ~I/I,r.~h 11 uhldl .~jI!luLl, I.w
~lbHd.. blhohl<l.e,. l.tndel Ihlllllnllty 1I0ttb".. Ilt, I"'on. blhel Ihlllll/e)11.1 ~.r.ulIl (hllkl ull." ".Uh~. Id tUI' Ihl
detl""' (tlllhell'ht ~etaoll ",u.1 he ollredl ahd (d) lhat taUute I. tUIt Ihi de/'aUII II 'r.eme. lIt.t tilOIlI" Itetletllld" bt Ilta
lun,' mutod bt Ihl. Seourllt Illlhumelll, tbreclo.Ult hy Judlclll ~Ib.otdln' Alld .. I bt lhl rlojltllt, IArldet .h." /btlh..
Inlbrm bUIIOi..I bt Iht IIlhI 10 .0Inll.l. an" Iteole,"lInl Ind lht "1],1 Id dJIIII Irt Ih. I'or"l"uII ~IDe..~lnl Ih.
hon...10I.n08 at . detlull Il, OJ' blh.1 det.n.e ht hor,o"'et I. leteltllll,," "'. to/etlo'UII, It Ih. ~elAull II hbl tUltd II
Ip.elned, hilder IIIU npllnn "'It ItqUlte Immedl.tt p.tmenllnlllll at .lleuIIll/t"ed ht IMI !I~tutll. In,ltUltlul ll<lIheul
IIlrll,tl demAnd .nd mAt tnlttt... IhI. SreullI, Inol,umtnl hy ludl.I.1 ~tbttt.lnl' lAnd" ,hili 1M hlll/ed I. tbll,,1 ,II
Hpenoe. I"ouued fd ~Ulluln. Ihe tem.d'd "tb\'lded In lid, p'''allph i 1,lntludla., hul holllmll.d III IlIbln'.I' tilt 'lid talle
bt 11118 tvldente Id Ih edenl petmlllt~ hy IpplluLlol.",.
SllIglO ~amll~.. FHlIAlttlLLlc UHIFonU INS/RUUE"'
PEHHSYlVANIA
'DRLI ~II 01110 IPI.. a.,. ,....1
ICII.l nw 10.1111I1
,'.
,
i1.lteledse. Upon paymenl at allium, ,ecured by thl, Secllllly In,trument,lhll Securlly 1",IIIIIIIenl and the eslate conveyed
shelllermlnale and become void. Aner luch occurrenee. I.ender Ihall dlsch.rge end utl.ty U,Is Seeurlly '",!rumenl wllhoul
cherge to lion ower. Ilorrower shall pay any reco,dallon cosl,.
2:4. W.II'"" borrower, 10 \he e.teol permUted hy applleablelaw, walvrs and relea.e, any ecror or detecls 1/1 proceeding, In
tntorce thl! Secu,lly Inslrtlmenl, and hereby walv.. the benem ot any pr'lenl or Mure lawl provldh.S tor Ilay ot e.teullon,
..Itnslon ot lime, ..em pilon trom auaehmenl,l.vy aod .ale, end homellead ..en'pllon.
i4. Relnst.ltmenl Ptrlod. Bonower'. lime 10 reln,tal. provldeclln I.a,asraph IS shall exlcnd 10 Due hour prior to \ho
commencement or bid dins ala Iherlll'ssole or oll,er ..Ie pUlluanllo 11111 SeeurUy Ihstrumenl.
2!l. i'urtl.ue MontY Mndll"lle. It any or Ihe deblsecured by Ihls Seeurlly 'ns\rUlnenlls lenllo borrower to ftcquho Utla
to the Properly,lIl1s Seeurlly '",\tulllenl.hall be a purcha.a money hlorlgage.
26. IlIlerfllllbl. Atler Jndglllenl. Bnrrower agred tll8l the Inlered rale payaLle aner a ludsmenll. enlered on lI.e Nole
or In an actlon ot tnorlgase toreclo,ure Ihill he Ihe rale payable rrom lime 10 Un,e Ullder Ihe NOle,:
i1. Itld.,s hi Ihls Secntlly IlIslrumCltI. Ir one or hlor. Ilcled aro e.eculed by Dorrower and recorded 10Stlher wltl.thll
5eell,lIy In.\tumenl, Ute covenenls and .greemenLs ot each .uch rid., ,hall. ba Incorporated Inlo and shall amend and
IlIrrlemenltha co.ehRnls and ag,eemenlo or UlI, SecuIII)/ln.trnmenl a, It the rlder(l) were a pa,1 or thl. SecUrlly 'n.ullhlenL
ICheck applicable bOl(es)1
m AdJu.table R.le RIde' I!l Condollllnlum ruder 0 14 !'amlly RIder
0 Graduated Payment RIder 0 "I.nned Unll Oe.eloPlllenl Rider 0 D1wee~ly Il.ymelll Rldet
0 Dolloeh RIder 0 Ibl. Improvemenl RIder 0 Second 1I0hlt IUder
0 Otl,e,(s) Ilpedryl
hy stoNING bELOW. Dortow~r.,:accepl' nnd .zre.. 10 lhelcrm, .nd co.enanls cOlltalned In thll SeeuIlly In.trumenlalld In
any rlder(,) ~.eculed \'y boecowet and recorded wlll,lI,
Will,.,.."
,I
,
~k2~
IIIC
ISdl1
.eecroWtt
coMMONWEAETII OF PENNSYLVANIA
COUNTY OF CUMBERLAND
On this, the 8th day of July, 1994, before a, a Notary pub1ic,
personally appeared David L. Karp and Michele Karp, husband and wife,
knewnlto me to be the persons whose names are subscribed to the
within instrument, and acknowledged that they executed same fer the
purposes therein contained.
IN'WITNESS mlEREOF, I hereunto set my hand and official sea1.
ss.
NoIarIaI Bao/
llIIne M. SniIh. t-loIaty NlIc
MIdlart:abunl1lam, CIInbilI1Rnd
My OoriVnllilm EllJ*t1 J\re:!2. 1996
c
Blngl. hmll~ - FNIlNrllLuc UNIFORU ItlSTRUlIfNr
PENNSYLVANIA
FORIl3030 ODIDO (PA,.. bl. P'IIt*'
renll Rill. lOll....'
,"
CONDOMINiUM RIDEn.
'tills CoNbOMINIUM kllll!1t Is Indde IhlJ ..alh.dAi"9U.V.~VJ.l.Q~L,,,,,,,,,,,,,,,,,'''....1 ~d b Incotpbl'led bllll
IInd ahllll be deenled 10 i1nend wd sllpplcmenl Ih~ Mortgdgc, bced bt trusl, ot Securlly !)ced (Ih~ 'B~clltlly
Inslrtlmenl1 ot Uhe bm~ dale IP.vell by Iht Undctsl@cd(the'l!ohowet')lo*celltellnttdwtr'ANolelll
h'...,....,'.".Jt.I.~.r.ft.p.'.~nAb.H.gM~.M9B.t~^9.~..~g.."p.~.<<XI.IH!r.1.....,...............................,...""I.,I.......,.....1..',..1......1111,.'1'
(lhe "Uhder") dC the same dale and coverinlllhe Ilroperly described In Ihe SecurilY Inllnlnlenl aIId lotaled al:
.............................,I...~~1.nB.ltl(f~Y'!W.~.81)(fi...tll,........................................................."............................111.1.1.1....'111.....
........,..,I..",I...............~~MQY.ttfil.r.It...1lP.f.~..............1.......................................................11.1..11..................I.III..,lllllllllllftl."
/".~'rlr Add"'"
~~je~[d~e:~r1I~~~~~.~,~..~.~,"Jn~J~~~.~T.~!f9W~.~.~~~~~~~.~,~~~~~)~.~,.~~~,~~~.~,~.~~~~~.~,~~"~,~~,~.~~~~~~.~I,~
I".m. 01 CondomIniUM 'ro/lcl
(the "Condon1lnlunl IlroJecl1, It Ihe ownels' assoclallon ot nlhet thllly which acll tot Ih~ condotn1ttlum
I'roJecl (Ihe "OwnClS' Assoclallon1 holds IIIle III ploperty Cor Ihe btnem ot Use oC III membtll or Ihareholdelli
Ihe Jlml'Crty alall Include! hOlTower's Intereslln the Owners' Assodallon and Ihe UICI, "Ioceedl and bentml or
Dortowet', Inlerest
'.
toNtlOMrNlUM tovl-:NANfS. In addlllon 10 Ihe covenants aod a~emenll m.d~ III Ibe Becutlt)'
Ihlltumenl, 1l0lTtlwet and Lendet turlhet covenant and agree IIIbUoWI:
A. tOlldomlnlunl Obllgallon,. Dortower shall perConn all ot bolTtlwet'a "bllpllunl under Ille Condotnlnlum
l'roJecl'. Consllluenl 1J0cunlenls, The "Constituent Documeots. arc the: (I) Oedaralldrl ot allY olhel documenl
which creatd the CondomioiunI J',oJeci. (U) by.lawll (iii) code oC lellUlallonll and (Iv) olhet tqulvalcnJ
docunlents. 1l01T0wct shall promptly pay, \Vhcn due, all ducs and assClSmenl1 IrnpulCd "ullu~1 10 Ihe
ConslllUellt bocuments. .,
n. UIIll~t1lnSlI~allct. !lo long d~ the Owoer~' Assoel.llon malnloJnll \\11th a lenerall)' accepted InIUrll!te carriet,
1\ "master" Or 1llanlcel" policy on Ihe coodontlnlUnt ProJecl which s ullICaciory lu Ullder and whleh "toVldel
Insurllllce toverage IJII~e".mounls, Cor Ihe periods, and Igalnsllhe hazardl I.endet requital, Includlnll fire and
hll7.ards Included \Vllhln Ihe'lenn "edended coverage,. thenl '
(I) Lendet \Valve~ Ihe ptovisioh In UnlConn Covenant 2 tur Ihe Inonthly paynlehllo Undet ot Ih~ ~eally
prentlUlrllhstllllmehl, for hdz81111nsllrance un Ihe Plopcrl~1 alld
IU} nOlTowet's obligation undet Unlttlm1 Covenanl 5 Id malnlaln hazard bllUlahee covehlllG llll lite
i'ropcrty Is deemed saUslicd 10 Ihe exlehlthal Ihe tcqulJcd cnvcl1lP' Is "Iovlded by tlwhell' AIIllclllUOll
IIoUey.
1l01T0wer shall give lender pmmpl holice ot any Ilpstltl tcqulted hlUld Inlluance cOvelalP"
III Ihe bvenl oC II dlslrlbullon ot hazard Insutance 11I0ceeds III lieU ot /eslotatlollllt tcpalt tollll~11111 . Illl. Il;llhe
!'roperlYI wbelhet Id Ihe Unllllt 10 cotnJnoll elenlcnts, ahY \1lut~cdlllayable hi boltll\\let Ite htleby ...lllritd JIId
shall be "aid Id lender tor .ppUcallort 10 Ihe sums seellred Ily Ihe Eleellrll~ !nllttJlnenl, \Vllh jIIY UcUl ~lIld III
bbrtower.
t, l>ubUe lI:1blilly !nsUtahre. 1I0ctower shall lake ll1th IIclloht U IllllY be tclllonabl6 III 1n6Ut1l Ihllllle tlWhetl'
,! Auoclalloll malntalrls a public U.bUlly Insurance "dllcy acceplable III toml, IInolllll, ~d bltehl bt tllv~t.tlI! III
lendtt.
h. tUlldttnhlllllll, The proceeds uC dny a~dtd ot tlallll tnt dllnlllP'" dlred bt conI6cjuetlll.J, ~.Ylbl~ III
Iloml\\let In connecllon \Villi any condemn.Uun I,t lither lakl1l8 ul IIU pt any "it! lit Ih~ I'ltIlibrly. ~t16IhU lit Ihe
Unll ot bt Ihe colnmon clements, ot Cot .n~ conveyance hI lieU ot cundelMillon, IJll hqlllb)' iUl8lltd :ihd .blll Ill:
poJd Id Ulldet. SUch ptoceeds sh.1I be appllell by l.thder lu thd AUIIU lecurcd Il~ Ih6 SecUtfiy Itlllttlltl@hl ...
provided In Ul1Itonn Covenll1l 10.
E. ltl1dct'. lItlot tohscl1\. 1I0"ower shall 1101, uce,,1 ahet MUtt III !.ehdet lI1d with Letld~t'. ~tlllt willie"
consenl, tithct pattilloll or subdivide Ihe I'roperly bt cOhlellllll1
(I) Ihe abandol\lnehl or tetmlnaUulI. lit Ihe clI~dpllllJtlUlrl tlltll~dl t*C4Ipl tilt Ib,"dotlltletll lit
lennltlalloll required hy law III Iht cue nlluhsla/tU.1 dclltudhlh by I1re bt IlIH~t tuulIly tlf Itt Ihe WI
ot II laking by condemnation IIr ellllnehl dOlllaul1
IAULTlsTATE CONOOUI'UUU lIlDER
Slngl. F.rnll~ . FNU~FHLlAc UnllO/m 'n.IIUmen'
FoItn SUo OIIIlId 1~'g8 I ulll
~C02:lL hll~.IDlI"al i
i
i
I,
.'
ADJUSTABLE RATE RIDER
1 YEAR ARM
tON YII,l'UIWV I~'u. R.tl (.,11
,
'11l1S AU.lU51'AIIU: RAn: RlllliR b mall: Ihb ,1I",~".~l.I.V~Y,J"L....,,,,..,,,..,,,,,,,,, and b IncolJ'OIIl,d
Inln o"d .h.U be dcem"lln IIn",,1 .nd 'l/ppl,m'"llha Mlllla'Il<, Ilel..! III TIU" IIr Sccullly Ilcell (Iha 'S"ullly
hnlnutlcnle) or the lame 11.le &Inri by the ulItfeulV1el1 (ltle -t1nllnwcr-) In ICtU,C I1nrrnwc,'. ^dlull,MIS ltale
Nllla (Ih. "Nol.'J II/ .TH1.PRUOlHIIAL,HoMl,MORTOADl,COMPAIIY,.IHC...",..",."."""..".""..."".."",,,,,,,,..,,..,,,,,,,
(lha 'I...den nllh. 11m. dolo and .nverlna Ih. prol",ly 1I...rlhc,111I Ih, Seeulily In.llUm.nl and localed .11
,Jli.BIllOOIYIII'l.DRM,.LtMoYHI.P.A..IIJAI,.CIl'"''1......llI'.........".." ,....:".."",.."".......".."."""....,,,....,,""'..,,..,,..,,'
'I'm: NUltl:IINTAINS I'RII~ISIllNS AlI.oWING I:lln CllANGI~~ IN 'Illt. IN1Mtsl'
itA....: ANti 'lIIE MlIi'mll.V "AVMEN..., 11lE NUlli 1.IMn!lllll1 AMllllf'{t 111I1
nURRlJ\VF,lt.S I"HERtsl' RAn: cAN CIIAN(;t A'" ANV ONE TIMt ANIJ Till! ,
MAXIMUM RA1E Tim nOIlRIIWER MUST I'AV. '
Ahlll...lllNAI. CUV~.NAfor"!l, In a.!dlllnn 10 Ih. "'venollll .nd 'alC,m.nl' m.da hI Ih. Securily In,ltum'hl,
lJarrower and Lender nJrtlaer coveRAllt Ind Iwee II rallow.:
A. INTERUT RATE ANb MDlmlLV ~AVMINT cltANolB
1110 Nola ~Iovld.. Inr IIJI 11II1I.llnlcr..1 1.10 III .....I.IQQ""",,, ~" S"lIon 4 .llha Nol. ~Iovld.. lor ,hllllt'llh
Iha Inl..... 1.1. .nd Iha Inonll.ly p.ym,nl., II rollo"'"
A. IImREST RAn ANb MOIlTIlLY ~AvMINT cllANols
(AI Ching. b.I..
'Ih. 1n1.1<" 1"0 I 11Im ~.i )nay ,h.na. on Ih. nllt d.y Dr .AUllUlt,.II.IL"""".lllld ~h Ihal dlY tv<tY Ulh
Inonlh Iher.oII.t, Ilaeh d.l! un ",hleh Iny Inlcr," ilia could ,h,uJlClII tiUed . 'ch.hat b.Ie,' ,
(dl Th.lndu
b.glnnlna wllh Ih. mal Chan.. D.I., my Inlereol tal. wm he b...d on III Ihd,". the 'lhd,"'lIlhd IlIttfJV
.ve'." yield nh IInll,d Sial" TI,u.ry IOCurilld .dJu,l.d 10 I toll".hl h1.II'Hly 01 ohe Y,'1o .. l1I.d6
mll.bI. hy Ih. "edetaln.."". nOlld. 'lh. mo" recenl Iud.. haule .hll.b'" .. .r Ihd d.l. ~! dlY. bdldhl
mh ch",.. 0.1. I. ..lied 11.0 .C.n'nllnll....
Illhd Ihd.. II hO Innger ...Ii.b1.,lh, Nola IInld.r will ,huolO I u'lIIlnd.klilhl,h II b.1ed UI>oIl tohl~i1lhld
hllntm.llnn, 'l'he Nola IIolder will sl.aln. nollce or 11.1. ,hnlce.
(el 1:.loul.lloo of I:h.hgU
1I,Iore tI.h Ch.nga '><Ie, Ih. Nol. IInl.l.r wUl caleul.le Iny nOlv Inletul 1.ld by .ddlll,
, ......lwun~.I'.~,.n'~'Dhlhk.P.IlF..nl.DuAlnl'LI,'.'.IYrI....".....,,,..,.......,,..,,..,,..10 Ih. cultthl Ihd... the N~I.
1I0ld,t will Ih.n rnunlllh. IClull nllhl..ddlllnn 1".11.."...... on...IIlI,lh Dr on. flCICOnl'ga jlulhllb,12!~I,
SubJectlu Ih. IImll. ,1.led In Seellon 4(0) 1."0"', lid. round..! .mounl wUl be my hallllidal<.1 tilu Ulllllllld
u.d Ch.nga b.te.
'11.. Nol. 1I01d.r wllllhen d.l.nnIn. II.. .mnl/nl ollh. Inunlhly ~.YIn.nllh'l "'o.1eI be lulnclelllld ItI'4Y
Ih. unpaid ~,Indpallhal 1.1n e.peel,d In ow. .llha Change 11.1. 'n mil on Ih. In.lurily elald .1 illY heW
Inl.",.. CAla In l.b.I",lIaUy .qual p.ym,nll. lha t..ull ollhll ..Ieulalloh Will he the nOlI/ .lnnUhl oll1lV
Inonlhly p'YIn.nl.
(DI Utrtlla bo Ihl.tllll ~,I. th.ng..
'l'h. Inletullol. IlU1Ilcqlll",d In p.y .llh. m.. Ch.hge 0,1. 1YI11 nol be glColer Ihlll ,..,R,'.9.9,....." '" ollell
Ihlll ,,,A.m....,,.. 'Y., '11.,,"011,1, my Irll..... t.l. "'III h...t he In,rused Dr deetulcd n'l ,ny lInal6 Chili.
1l.1. by more Ihon ...lwA.Am.nl.gl.""nIA.l....~,AP.O,l\I...."..............""......."',,....,..,,'"",,,,,,...,,...rlOht Ih. 1.1. ot
!hI,re.1 I ha.. be.n p.yln, ror 11.0 ~,"cedlnl 12 Inonlh.. My Inl.",.1 ilia ",Ill IlCver ba ....tct Ih",
."!.~,~P.O..,....%,,
(II ~t1..II.. b.l. ofl:h.ngll
My h.'" Inl..... t.l. wUI becotn. ellccll.a on ..,h Ch.nge D.le. I ",10 l'Iy Iha unounl "r my h'w mOhlhly
p.YIn,nl beglllllllll 1111 1100 fir.1 monlhly p.ym.nl d.lc .n,t lho Ch.np l)ala "nlll lho unounl .r In,
lnl1l1lh1y plymchl thanaeJ IllIin.
(Flllolld 01 ch.ng..
11,0 Nola Ilolder 11I111 d,lIver ot 1n.1l10 In' . nollea Dr .ny ,h.hge.ln InV Inl...st tlld and Ih. lU1Iounl ot IllY
Inohthly ~.ym'nl balota Iha .11..11.. d.la 01 .ny th.ngo, '11.. 11011.. ..lIllndudo !nform.UoK ,""ulIool b1
low 10 he glv,n'n. .lId al.n Ih. 1111, and I".phon. nUlOber Dr 0 petlOn ..ho ..W ....lOt any q...llnh IlIUy
have tfgnnUna1ha Imllce.
.'
FlIDE"."RUoI
'01,
lea..."" '1Il1AL
(0) llmU. an Int....t Rolo Chong..
The In..,..l ,... 1 .. requlrod to po, .t tho Ur.l Chango Doh "Ill not be .r....,. than ....~
.r I... thM ".II'~. ,...,...,h",.1 In..,.... uta .II1U nIWI,. b, IMr...... or d..r...... on '"~
IInl.' Chan,. Dol. bt 1101" I".. Iwo ,.runb,. ,olnh I I."UI fro' thi ,..t.
I' l"t.,.ut I: hOWl bun ,orin, for Iho ,,,...dl,.. II .onl".. tiy Snter." rat. ..111 no.".,. III
g,.ut.,. Ihen U....X.
(EI Err.errvo Dol. a' Chong..
H~ hlw l"t."..I r,l, will b..o.. ",..tlv' on ..oh Chen" D,I,. I: Mill PIV Iho ...un' ., '1 h'~
..onlhb ,.~~, bl,lnnln, on Ihl U,..t ..."IhI1 ,.~..."t If.t. ..1.,. Iho than,. D.t. unUI Iho ...ur,I
.f or .-nlhlv ,.,..", ohan... _,oln.
(F) Nolle. 01 Chong..
1~ ~o,. Hald.,. wt11 ".Iv.r .r ..11 t. .. . not Ie. .f o"y chan,.. In ., 1n'.r..t rot. In4 the
IlItOWlt ., II)' ~'hb ",",,, b,'or. 1M .,,,,41,,. dot. of 1M' ,hln,l, Th- noUt. "Ul In_Iud.
In,.,...Uo,, .......,..11I b1 11.. t. b. ,Iv.,. ., WId 1"0 the tit., Met t.l.~on' ~.,. .. . "",on Wto
.Ul 1ft...,. an1 ....tJon I "'1 hlv, t.....dln. 'h. noth..
j,'
5. BORROWER'S RIOHT TO PREPAy
t hut th. rbht to ,ate_ ,.rllenh ., ,rlnol,d .. any U". b.,o,.. tM,. ar. due. llt.,""l., ,...no....l
onb .. II"..", ., . ....,....,.'".... When I ...Iet . ,,.....~"t. J wUl t.ll Ih. Nol. Nold.,. 'n ""U'n, thal I
.. dolhl .0.
I .,,. .... . full '''',IV.-nt .,. ,.,.tlol ,,..,.r..nt. vlthout ...rln. .,..v ,t....ro.nl ahlr.', Tha Mota
Hold,,. vlll ~.. oIl o' 'V ,r,,'~nt. to t'du.. th. 'MOunt of ,rlnol,.l thot I ow. ~d... th..
Mot.. If I .lko . ,.rtlol ,r.,.,eont, th.t' viii b. no ohlnt.. In t~ dUo d.t.. .f wy IOftthlv
,.,.lnt. unl... the NoI. Hold.,. ..r... In v"llln. to th... Ghan.... "1 ,.,.t1.1 .,.,.,eont IIY
nduc. the MOUnt of 011 Nnthb ..penh ,tt.,. the fir. I Ch.n.. D.t. faUavlnt __ ..,.Uel
1I'....1OInl. HovIV''', ~y ".duatlon duo to Illy ..,11.1 "....v.onl "1 b, 0"'1 b,. an 'hl'r..I ~at.
.no,.....
I, lOAN cHAROES
If . to", vhloh ...,u.. to 'hit loon and vhl&h "" ...1_ Joan w,...., .. Unelb lhht,,....d ..
thot Ihl lnt.,...I Dr othor lo.n oh.r,.. o.II....d or to b. ooll.olod In oonnletlon with thl. loan
......1 tho ,.,..IU.d II.U., 'Mnl CIS IOn, .uch loan chit,. .h.1l b. "adulld by th. MOun' hI.....r_
'A ",*,oo 1M ohar,. to t.,. ,.nUbd Uolt. ond 1111 IftY 'UI. ,lr.'dY oalllClt,d "00 11I0 Wlhh
'.o..d.d ,.t.l,ttel 1101'. vll1 b. r,'und.d to ... Th. Nal. Maid.,. '.V choo.. '0 .... thl. r.fund b~
....duoln' lha .."lMI,.1 t 0" LWWI,,, 'hh NoI. 0" 1111 .llIlng . cUu.l "WIIIn' to II. Ii. re'und ........
,rlnol...l, tho ",duG"on will bl trhhd .. . ~.tll.l 'ro'....anl,
7. BORROWER'S FAILURE TO PAY As REQUIRED
(A) l.t. Charg.. lor Ovardu. Poym.nt.
I' th. Hal. Hold.,. h.. not ".o.I~.d tho full ..ount 0' on,. -.nthl_ Jl.~.nl b,. the and 0' l'
a.len".,. d.,. afhr 'h. d.t. 1l b Ifu., I .111 III.V 16 10" ch.,... 10 tho Hot. Holda". 'hi
aaount 0' th. ch."a will ba .....% 0' .; ov."doa ,.,.lnt of ,,,lnol,.l an. Jnla,..'t. I Nlll
,.y ihla l.t. chat,. ,to.,'ly but onlV one. on .ach 1.1. ,.,..nt.
(H) O,'oull
l' t "A no' "V tho full '.DUnt .1 ..oh -.nthly ,Iy..n' on Ihl ~.I. II 1. du" twill b. Jn
d"MJI'.
(C) Nal/e. alO.loull
If I ... In d.fault. tho Not. Ilold., ..r IInd e. . ..rUt.n noU.. t.Uln. .. th.t Sf r do not ~oy
tho ov.,.du. oaaunt bv . o.tt.ln d..., the Hot. Hald." ...y ".~I,.. .. 10 ,.y l...dl.t.ly tho full
..aunt of p,lnel,.1 which h.. not b.en ,.Id .nd .u tho In"t..t 'hat J 0... on 'hlt MOunt.
That da', "".t b. .t l...t " d.r. ..to,. th. d... on ..hlch 'ha noUu 11 d.llv.,.d 0,. ..Il... to
...
(0) No Wal... by Not. Holdar
rvln 1', at . il.. when Z .. In d.'oult, th. ~ot. Hold." do.. hat ".~It. .. t. ,a,. 1...41~til_
In full a. d..o"lb.d abova, tho Nola ".ld.r viii .tlll ha.' th. right to do '0 If J .. Ih daflUlt
a' . 1.h,. U...
IE) Poym.nt or Nolo Hold.r'. Co.t. and Exp.n...
II tho Mo'. Hold.r hot raqult.d III' '0 ,.y 1...dl.t.l. In lull.. d..arlbed .bo.., tho Hot.
Hold.,. viii h... tho "lghl to b. ,.Id b.ak by... for All of It. a..t. and ..,an... In ,"f.".j~
thb Mot. to tM ..tan' not .tohlblbd bll' ."Uubl. 1Iv. Tho.. ..,.n..' 1"Ilclda, 'oro .....h,
t...onabll .UarMlvo" 1....
8. OIVINO OF NOTICES
Unl... .,.llo.bl. 1.. ~.~I,... . dlff.t.nt .athad, tny nolto. 'ht' lU.t b. ,Ivan t. .. Under- thl.
Mot. viii b. ,1.1n b, ".llvarln. It or b1 ..11In. It by fir.' al... ..tl ,. .. .t thl t".,.,.t_
Add,.... abova or .t a dt.f.rant addt... 11 I Ilv. lho No', Haldo,. . no'loe of _y dl"or-nt Iddrtl..
Any nolioo Ihat .u.l b. ,I~~ 10 lhe ~ol. Hold.,. Und.,. Ihl. Not. ~111 be ,IYIn ~1 ..111n. it by fl~.,
01... IItl to thl NoI. Hold.r .t \ha tddr... .I.t.d In s.ollon SIAl aboV6 ~ at . dlff.tlnt Id4r.'.
If I .. IlvIn a noUe. 01 Ih.' dllt.,en\ .ddr....
AIU'"""",_
,of.
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>- ,."'~',,,,,-,,,,>.,,,..- ,,,,,,p.--'.-,.., ~_.
arm UUU IYl (CI \....14
~ev, O~IO~er 1.993) Notice of Federal Tax Lien
llstrlcl Serial Numbsr Far Opl/anll U.. by Rlcardlng Ollie.
,,~--..., . , - ,;,'~r.)I=.ll':I<;"~' ;. ^Iv
AI provldld by ..ollona 8321, 8322, and 8323 01 the Inlernal Rovenue q L,- '-l ;),.3/ f:'Tl
COde, we arl giving a noUct IhallaxlI (Including Inlerlll and penalties)
hava blon aaseaaed agalnallha followlng,namld laxpayer. WI havo made
I domnnd for paymlnl ollhla liability, bul II romalns unpeld. Thorelore, C1 t..,:>> ,..,
the" I. a lI.n In favor 0' Ihl Unllld SI.lu on all property Ind rights 10 ~ :~ 'JI ;11
proparty belonging 10 thla laxpayor 'or Ihe amounl 01 Ihese lexu, and '"':1' .- "J
additional penaltlll, Inloroal, Ind cOlta (hit may accrue. ell ...~ ..~
~.. '" "I
;,":1
~ame 01 Taxpayer 1 , '-' ,
OAV, [I I. " MICHE.l-1O l(i\I1P ...:', ~~
r.. -., :1.:.(
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. ~.. 'f 1
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C;.~.\ 2.R 1 ~I(,E:V I EW liR . ',-
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1.ld'lUYtoii, . I'A 170Q3..13130 .. (;1 .'.
IMPORTANT RELEASE INFORMATION: For each assessmenlllsled below. .,&C?UD ~d
unless notice cl lien Is rellled by tha dais given In cclumn (e), Ihls notice shsll,
on th. day lollowlng such dale. operala as a certlllcate 01 release as dellned I:.l>..lol I ;t'ii'<?-,<:f
In IR"c 6325(8). !l...1 11/4<1.7
.. Tax Period Dala 01 Laal Day lor Unpeld Balance
Kind of Tax Ended Idenlllylng Number Assessmenl Rellllng 01 Assessment
(a,l (b) (e) (d) (e) (I)
1040 12/31/31 231"62-7/:"1 J 12/20/95 1)1/1 ~/C:'6 16312,55
~Iace 01 Filing
Prot.honotary Total $
Curnb.rl~"d County lE.312.6S
C",,-1 ; .1. PA ,1'71:113
This nollce waB prepared and Blgned al I' i t:.t:..bUI-'lh. F'A
, On this,
:.i.,:
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Ihe 08thday 01 Jo.ly
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. ,
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~4~tn~":tn'~~ll' je\<J4
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IHOTI, CIIUIIG.'" 010111011 IUlhO/lUoay IIW '0 '"k. .oknowlldgmtnlt I. no' ""nlll1Ia 'hi VIUdllV of NoU.. 0' Fodllal TI.nln
Pltv, Plul, 71.4eB. ~ITI .2 c,a, 401) . . ,.
, ' Psrt 1 . Kg B Ice Form 668 (V) (c) (Rev. 10193)
. .~.
I", . I
,
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TllIo .
r'lan~glll'
23-0l.-0000
.
:.',
. .:....
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.,..,
1llIlIRh,.$ , MORTGAGE
....,
NolWss/ Mar/gaga, /nc,
7495 Naw Horizon Way
Frodsr/ck, MD 2'703
IMPORTANT: NOTICE OF HOMEOWNER'S
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
(ACT 91 NOTICE)
PLEASE READ TIIIS NOTICE. YOU MAY BE ELIGIBLE FOR
FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS
November 07, 1996
SENT VIA CERTIFIED MAIL AND REGULAR MAIL
David L Karp
521 Bridgeview Drive
Lemoyne PA 17043-0000
Re: Loan No. 3529997
Dear David L Karp
Your mortgage 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 total
amount of the delinquency is $ 9,884.67. This sum includes the
following: monthly payments of (a) principal and interest in the
amount of $ 2,738.56 for 3 months; (b) taxes and insurance escrow,
if applicable, in the amount of $ 475.60 for 2 month(s) and
$ 482.21 for 1 month(s), accumulated late charges in the
amount of $ 219.08, and (d) other charges in the amount of $ 16.50
for 3 months beginning with the 09-01-96 payment. less any credits
or unapplied funds in the amount of $.00. You may be eligible for
financial assistance that will prevent foreclosure on your mortgage
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 circumstances beyond your control. and if you meet the eligibility
requirements of the Act as determined 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 mortgage for thirty (30) days from the date of this Notice.
During that time you have the right to arrange 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 to otherwise settle your
your delinquency. That meeting must occur in the next thirty (30)
days.
BR511/45A/ACT 91
I~:',}re!""r~,h' ",
I,::..,;,:,O!:?-,,\" "
',.. -......-.... ":"'~-~.,.,_-.f~~ ,'.?
.,.
IIIORWIST MORTGAGE
.1.0.
Norwss/ Mor/gsgs, Inc.
7495 New Horizon Way
Frsdsrlck, MD21703
3529997
November 07, 1996
Page Two
If you attend a face-to face meeting with this lender, or with a
consumer credit counseling agency identified with this notice,
no further proceeding in a mortgage foreclosure may take place
for thirty (30) days after the date of this meeting.
Our name, address, and telephone number is: Norwest Mortgage, Inc.
(Norwest), Borrower Counseling Department, 7495 New Horizon Way,
Frederick, MD 21703, (800) 253-7654.
The name and addresses of designated consumer'credit counseling
agencies are shown on the enclosed listing.
It is only necessary to schedule one face-to-face meeting. You
should advise us immediately of your intentions.
If you have tried and are unable to resolve this problem at or
after your face-to-face meeting, you have the right to apply for
financial assistance from the Homeowners' Emergency Mortgage
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. An application for assistance may only be obtained from
a consumer credit counseling agency. The consumer credit
counseling agency will assist you in filling out your application
and will submit your completed application to the Pennsylvania
Housing Finance Agency. Your application must be filed or
postmarked within thirty (30) days of your face-to-face meeting.
It is extremely important that you file your application promptly.
If you do not do so, or if you do not follow the other time
periods set forth in this letter, foreclosure may proceed against
your home immediately and you will forfeit your eligibility for
assistance.
Available funds for emergency mortgage assistance are very limited.
They will be disbursed by the Agency under eligibility criteria
established by the Act.
It is extrem~ly important that your application is accurate and
complete in every respect. The counseling agency will help you
to fill out the application. 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 the time
requirement as set forth above. You will be notified directly by
that Agency of its decision on your application.
BR511/45A/ACT 91
PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S
EMERGENCY MORTGAGE ASSISTANCE PROGRAM
Alleghany (cont.) Elk Lawrence (cont.)
Urban Lgue,-Hsng. Cnslng, Srvc. Housing Authority Social Services
1 Smithfield Street-3rd Floor 424 Water Street 33.39 S. Jefferson Street
PllIsburgh, PA 15222 JOhnsonburg, PA 15845 New Castle, P.A 16101
(412) 281.1130 (814) 965.2532 (412) 858-7258
Blair Fayette Mercer
Consumer Counseling Service Community Act. Agency Valley Urban League
500-02 Third Avenue 137 N. Beeson Avenue 39 Chestnut Street
P.O. Box 278 Unlontown, PA 15401 Sharon, PA 16146
Duncansvllle, PA 16635-0278 (412) 437.6050 (412) 981-5310
(814) 896-3546
Tri-County Prtnrshp,-Indep. Living Community Action
Crewford 680 Coolspring Street 309 Ohio Street
Unlontown, PA 15401 Sharon, PA 16148
Associated Family Services (412) 439.1434 (412) 342.6222
213 Center Street
Meadvllle, PA 16335 Washington/Greene Somerset
. (814) 337.8450
Community Act, Corporation Tableland Services, Inc.
Erie 22 W. High Street 131 N. Central Avenue
Waynesburg, PA 15370 Somerset, PA 15501
Bayfront NATO,lnc. (412) 852.2893 (814) 445-9628
Martin Luther King Center
312 Chestnut Street Community Act. Corporation ForrestIWarren
Erie, PA 16507 315 E, Hallman Street
(814) 459.2781 WaShington, PA 15301 Economic Opportunity Council
(412) 225.9550 P,O, Box 547
Booker T. Washington, Inc. Warren, PA 16385
1720 Holland Street TrI-County Prtnrshp"lndep. Living (814) 726.2400
Erie, PA 16503 69 E. Beau Street
(814) 453-5744 Washington, PA 15301 Westmoreland
(412) 223.5115
Erie Independence House, Inc. Consumer Credit Counseling Sr
2222 Filmore Avenue Lawrence Chamber of Commerce Bldg.
Erie, PA 16506 662 N. Main Street
(814) 838-7222 Consumer Credit Cnslng. Service Greensburg, PA 15601
25 N. Mill Street, Ste. 406 (412) 838.1290
Greater Erie Comm. Act Agency New Castle, PA 16101
18 W 9th Street (412) 652.8074
Erie, PA 16501
(814) 459-4581
PI~. 2 012
PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S
EMERGENCY MORTGAGE ASSISTANCE PROGRAM
Berks Susquehanna York (cant,)
Community Action Program TREHAB Center of NE PA Communlly Legal Services, In
Budget Counseling Center 7 Lake Avenue Law Center North Central
247 N, Fifth Street Montrose, PA 18801 3838 N. Broad Street
Reading, PA 19801 (717) 278-3338 Philadelphia, PA 19140
(215) 375-7888 (215) 227-2400
Delaware Phlladelphl:l LAW Center Northeast
3207 Kensington Avenue
H.O.P.E. Phil. Cnct Comm. Adv. Housing Assoc. Infonnatlon Prog. Philadelphia, PA 19134
511 Welsh Street 658-60 N. Watts Street (215) 427-4850
Chester. PA 19013 Philadelphia, PA 19123
(215) 872-3500 (215) 978.0224 Law Center South
1228 S. Broad Street
Harrisburg NW Counseling Service, Inc. Philadelphia, PA 19148
5001 N. Broad (215) 271-2500
Urban League-Metro. Philadelphia. PA 19141
25 N. Front Street (215) 324-7500 Allegheny
Harrisburg, PA 17101
(717) 234-3253 Urban League of Philadelphia Consumer Cldt Counseling Sr
4601 Market. Ste. 2 South 309 Smithfield Street. Ste. 20
Fair Housing Council Philadelphia, PA 19139 Plltsburgh, PA 15222
1228 Bailey Street (215) 476-4040 (412) 471-7584
Harrisburg, PA 17103
(717) 238-9540 New Kensington C.D.C. Council of 3 Rivers American
2513-15 Frankfold Avenue 200 Chartes Street
Lancaster Philadelphia, PA 19125 Pittsburgh, PA 15238
(215) 427-0350 (412) 782-4457
Tabor Communlly Services, Inc,
439 E. King Street Phil, Cncl. for Ccmm. Advncmnt. Elder.ado, Inc.
Lancaster, PA 17602 100 N. 17th, Ste. 600 320 Brownsvllle Road
(717) 397-5182 Philadelphia, PA 19103 Plltsburgh, PA 15210
(215) 567-7803 (412) 381-6900
Lehigh
Garfield-Jubilee Association
Consumer Credit Counseling Srvc. Philadelphia Housing Dev. Corp. 5138 Penn Avenue
3671 Crescent Court East 1234 Market Street-10th Floor Pittsburgh, PA 15224
Whllehall, PA 18051 Philadelphia, PA 19107 (412) 685-5200
(215) 821.4011 (215) 448-3137/(215) 448-3132
Hili Communlly Dvlpmnt. Cor
Luzeme 2015-17 Center Avenue
Tenants' Action Group-Phil. Pittsburgh, PA 15219
Communlly of Economic Opprtny. 21 S. 12th Street-12th Floor (412) 765-1320
211-213 S. Main Street Philadelphia, PA 19107
Wilkes-Barre, PA 18701 (215) 575-0700 Housing Opportunities, Inc.
(717) 826.0510 133 7th StreeUP .0. Box 9
McKeesport, PA 15134
Schuyklll York (412) 664-1590
Economic Opportunity Cabinet Housing Counc!! of York 3 Rivers Cntr-Independant Liv
118 E, Norwegian Slreel 116 N, George Street 7110 Penn Avenue
Pottsville. PA 17901-2921 York, PA 17401 Plltsburgh. PA 15208
(717) 822-1995 (717) 854-1541 (412) 371-7700
PIO.l012
..
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THIS LABEL CAN BE AffiXED
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IlIIlIRWIiST MORTGAGE:
"".
Norwss/ Mor/gsgs, /nc,
7495 Nsw Horizon Way
Frsderick, MD2t703
IMPORTANT: NOTICE OF HOMEOWNER'S
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
(ACT 91 NOTICE)
PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR
FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS
November 07, 1996
SENT VIA CERTIFIED MAIL AND REGULAR MAIL
Michele Karp
521 Bridgeview Drive
Lemoyne PA 17043-0000
Re: Loan No. 3529997
Dear Michele Karp
Your mortgage 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 total
amount of the delinquency is $ 9,884.67. This sum includes the
following: monthly payments of (a) principal and interest in the
amount of $ 2,738.56 for 3 months; (b) taxes and insurance escrow,
if applicable, in the amount of $ 475.60 for 2 month(s) and
$ 482.21 for 1 month(s), accumulated late charges in the
amount of $ 219.08, and (d) other charges in the amount of $ 16.50
for 3 months beginning with the 09-01-96 payment, less any credits
or unapplied funds in the amount of $.00. You may be eligible for
financial assistance that will prevent foreclosure on your mortgage
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 circumstances beyond your control, and if you meet the eligibility
requirements of the Act as determined 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 mortgage for thirty (30) days from the date of this Notice.
During that time you have the right to arrange 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 .to otherwise settle your
your delinquency. That meeting must occur in the next thirty (30)
days.
....,
~MORTGAGc
."10.
Norwest Mortgege. tnc.
7495 New Horizon Way
Frederick, MD 21703
3529997
November 07, 1996
Page Two
If you attend a face-to face meeting with this lender, or with a
consumer credit counseling agency identified with this notice,
no further proceeding in a mortgage foreclosure may take place
for thirty (30) days after the date of this meeting.
Our name, address, and telephone number is: Norwest Mortgage, Inc.
(Norwest), Borrower Counseling Department, 7495 New Horizon Way,
Frederick, MD 21703, (800) 253-7654.
The name and addresses of designated consumer credit counseling
agencies are shown on the enclosed listing.
It is only necessary to schedule one face-to-face meeting. You
should advise us immediately of your intentions.
If you have tried and are unable to resolve this problem at or
after your face-to-face meeting, you have the right to apply for
financial assistance from the Homeowners' Emergency Mortgage
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. An application for assistance may only be obtained from
a consumer credit counseling agency. The consumer credit
counseling agency will assist you in filling out your application
and will submit your completed application to the Pennsylvania
Housing Finance Agency. Your application must be filed or
postmarked within thirty (30) days of your face-to-face meeting.
It is extremely important that you file your application promptly.
If you do not do so, or if you dp not follow the other time
periods set forth in this letter. foreclosure may proceed against
your home immediately and you will forfeit your eligibility for
assistance.
Available funds for emergency mortgage assistance are very limited.
They will be disbursed by the Agency under eligibility criteria
established by the Act.
It is extremely important that your application is accurate and
complete in every respect. The counseling agency will help you
to fill out the application. 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 the time
requirement as set forth above. You will be notified directly by
that Agency of its decision on your application.
BR611/45A/ACT 91
PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S
EMERGENCY MORTGAGE ASSISTANCE PROGRAM
B.rka Suaqueh.nn. York (cant.)
Communlly Adlon Program TREHAB Center 01 NE PA Community Legal Services, In
Budgat Counseling Center 7 Lake Avenue Law Center North Central
247 N. Fifth Street Montrose, PA 18801 3838 N. Broad Street
Reading, PA 19801 (717) 278.3338 Philadelphia, PA 19140
(215) 375.7888 (215) 227.2400
Oal.war.. Phlladelrhla Law Center Nnrthaast
3207 Kensington Avenue
H.O,P,E. Phil, Cnd Comm, Adv. Housing Assoc, Inlonnallon Prog, Philadelphia, PA 19134
511 Welsh Street 658,60 N. Watts Street (215) 427-4850
Chester, PA 19013 Philadelphia, PA 19123
(215) 872-3500 (215) 978-0224 Law Center South
1226 S. Broad Street
Harrisburg NW Counseling Service, Inc. Philadelphia, PA 19146
5001 N, Broad (215) 271.2500
Urban League-Metro, Philadelphia, PA 19141
25 N. Front Street (215) 324-7500 Allegh.ny
Harrisburg, PA 17101
(717) 234-3253 Urban League 01 Philadelphia Consumer Cl'dt Counseling Sr
4601 Market, Ste. 2 South 309 Smllhfield Street, Ste. 20
Fair Housing Council Philadelphia, PA 19139 Plltsburgh, PA 15222
1228 Bailey Street (215) 476-4040 (412) 471.7584
Harrisburg, PA 17103
(717) 238.9540 New Kensington C.D.C. Councll 01 3 Rivers American
2513.15 Franklol'd Avenue 200 Charies Street
Lancaster Philadelphia, PA 19125 Pittsburgh, PA 15238
(215) 427.0350 (412) 782-4457
Tabor Communlly Services, Inc.
439 E, King Street Phil. Cncl, lor Comm. Advncmnt. Elder-ado. Inc,
Lancaster, PA 17602 100 N. 17th, Ste, 600 320 Brownsvllle Road.
(717) 397,5182 Philadelphia, PA 19103 Pittsburgh, PA 15210
(215) 587-7803 (412) 381-6900
Lehigh
Garfield-Jubilee Assoclallon
Consumer Credit Counseling Srvc, Philadelphia Housing Dev. Corp, 5138 Penn Avenue
3671 Crescent Court East 1234 Market Street-10th Floor Pittsburgh, PA 15224
Whitehall, PA 18051 Philadelphia, PA 19107 (412) 665-5200
(215) 821-4011 (215) 448-3137/(215) 448,3132
Hili Community Ovlpmnt. Cor
Luzeme 2015.17 Center Avanue
Tenants' Adlon Group-Phil. Pittsburgh, PA 15219
Community 01 Economic Opprtny. 21 S. 12th Street-12th Floor (412) 785,1320
211-213 S, Main Street Philadelphia, PA 19107
Wilkes-Barre, PA 18701 (215) 575-0700 Housing Opportunllles. Inc.
(717) 826.0510 133 7th StreeUP.O. Box 9
McKeesport. PA 15134
Schuyklll York (412) 884-1590
Economic Opportunity Cabinet Housing Council 01 York 3 Rivers Cntr-Independsnt Llv
118 E. Norwegian Street 116 N, George Street 7110 Penn Avenue
Pottsville, PA 17901-2921 York. PA 17401 Pittsburgh, PA 15208
(717) 622-1995 (717) 854-1541 (412) 371.7700
Pagelo12
PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S
EMERGENCY MORTGAGE ASSISTANCE PROGRAM
Alllghany (con!.) Elk Lawrence (cont.)
Urban Lgue..Hsng. Cnslng, Srvc. Housing Authority Soelal Services
1 Smlthneld Street.3rd Floor 424 Water Street 33.39 S. Jefferson Street
Pittsburgh, PA 15222 Johnsonburg,PA 15845 New Castle. PI. 16101
(412) 281.1130 (814) 965-2532 (412) 658.7258
Blllr Fayette Mercer
Consumer Counseling Service Community Act. Agency Valley Urban League
500-02 Third Avenue 137 N. Beeson Avenue 39 Chestnut Street
P.O. Box 278 Unlontown, PA 15401 Sharon, PA 16146
Duncansvllle, PA 16635.0278 (412) 437.8050 (412) 981-5310
(814) 696-3546
TrI.County Prtnrshp..lndep, Living Community Action
Crawford 680 Coolsprlng Street 309 Ohio Street
Unlontown. PA 15401 Sharon. PA 16146
Associated Family Services (412) 439.1434 (412) 342.6222
213 Center Street
Meadvllle. PA 16335 Washington/Greene Somerset
(814) 337-8450
Community Act. Corporallon Tableland Services, Inc.
Erie 22 W. High Street 131 N. Central Avenue
Waynesburg, PA 15370 Somerset, PA 15501
Bayfront NATO. Inc, (412) 852-2893 (814) 445-9628
Martin Luther King Center
312 Chestnut Street Community Act. Corporallon ForresllWarren
Erie, PA 16507 315 E. Hallman Street
(814) 459-2761 Washington, PA 15301 Economic Opportunity Counclt
(412) 225-9550 P.O. Box 547
BookerT. Washington, Inc. Warren, PA 16365
1720 Holland Street Trl.County Prtnrshp..lndep, Living (814) 726-2400
Erie, PA 111503 69 E. Beau Street
(814) 453-5744 Washington, PA 15301 Westmoreland
(412) 223.5115
Erie Independence House. Inc, Consumer Credit Counseling Sr
2222 Filmore Avenue Lawrence Chamber of Commerce Bldg.
Erie, PA 16506 662 N. Main Street
(814) 838-7222 Consumer Credit Cnslng. Service Greensburg. PA 15601
25 N. Mill Street, Ste. 408 (412) 838-1290
Greater Erie Comm. Act Agency New Castle, PA 18101
16 W 9th Street (412) 652.8074
Erie, PA 16501
(814) 459-4581
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VERIFICATION
The undersigned, an officer of NORWEST MORTGAGE, INC. the
instant Plaintiff, or its servicing agent, being authorized to make
this Verification on behalf of Plaintiff, hereby verifies that the
facts set forth in the foregoing Complaint in Mortgage Foreclosure
are taken from the 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.
I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO
THE PENALTIES OF 18 PA.C.S. SECTION 4904 RELATING TO UNSWORN
FALSIFICATION TO AUTHORITIES.
Date: ":> \~ - 9,
Title:
Company: NORWEST MORTGAGE, INC.
-
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
Barbara A. Fein, Esquire / I.D. No, 53002
Suite 109, 275 Commerce Drive
Fort Washington, PA 19034
(215) 653-7450
Attorney for Plaintiff
COURT OF COMMON PLEAS
NORWEST MORTGAGE, INC" CUMBERLAND COUNTY
Plaintif f,
v. NO. 97-1461 CIVIL
DAVID L. KARP, MICHELE KARP,
and THE UNITED STATES OF
AMERICA,
Defendants.
PRAECIPE TO DISCONTINUE WITHOUT PREJUDICE
TO THE PROTHONOTARY:
Kindly mark the above entitled mortgage foreclosure civil
action "discontinued without prejudice".
Unbeknownst to the
Plaintiff or its undersigned counsel, the Defendants David L. Karp
and Michele Karp filed a Chapter 13 Bankruptcy Petition on February
3, 1997 under Case No. 1-97-00410, in the United States Bankruptcy
Court for the Middle District of Pennsylvania.
Date: April 8, 1997
THE LAW OFFICES OF
BARBARA A. FEIN, P.C,:
BY:
-j3.~ ()~ .,
Barbara A. Fain, a..ire
Attorney for Plaintiff
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