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Home My WebLink About97-03103 r, c..; I~ J .~ ('f) o - cf) In '1 he Court olTommon Pleas of Cumberland County, l'ennsyl\'ania Mellen Bank. N.A. , . VS. Darlene c: Strahosky N~ Q7-1101 rivil Tprm 19_ Now, June 12. York 199719--, I SHERIFF OF CUMBERLAND COUNTY, P A do hereby deputize tbe Sheriff of County tn necute this Writ, this deputation being made at the request and risk of the Plaintiff. rfJd:~~<:~ Sheriff of Cumberland County, Pa. Affidavit of Service k ~. "- Ll.1 Now, e .::': ~ <9 June 19, 19 97 . at 8' 55 o'clock within ~ ;-. iC.::::> ~ C'onplaint in Mortgage Foreclosure - "'\I '-l a.. upon lu u.. ,... -,.. Darlene C'. Strahoskv Q--. ~ ~.. at ~:t! . ..~ 103 S. Baltirrore st., Apt. A. Franklintown, PA by han~ to"" ':': ~ Darlene C. Strahosky alteste~py of t!J orlglj;~jl- at same as above ..., , '\ her the contents thereof. P. M, served the a true and and made known to So aDswers. . //7t-'Z C ~ Sheriff of York County, Pa. COSTS Sworn and subscribed before m this 20th day 0 June v"";) (./', , 19R SERVICE MtLEAGE AHIDA VIT S 18.00 13.02 2.00 S 33.02 ....' NOTARIAL SFAl JIM V, VANGREEN, NOTARY rUB:Jr; YO,!t<, YORK COUI iTY !'A MY COMMISSION r:xPlnF~ ,It.~ 'c "Co" , \ MELLON BANK. N.A., formerly The Commonwealth National Bank, agent for Corestates Bank, N.A.. Trustee for Pennsylvania Housing Finance Agency, Assignee, Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA v. : NO. q7 - 3/03 (l-O-J. (~ JAMES P. STRAHOSKY and DARLENE C. STRAHOSKY, Defendants : CIVIL ACTION - LAW : MORTGAGE FORECLOSURE A. VISO Le han demandado a usted en 1a corte. Si usted quiere defenderse de estas demandas expuestas en Ins paginas siguientes, usted tiene viente (20) dins de plazo al partir de la fecha de la dernanda Y 1a notificacion, Usted debe presentar una apariencia escrita 0 en persona 0 por abogado Y archivar en la corte en forma escrita sus defensns 0 sus objeciones a Ins demandas en contra de su persona. Sea avisado que si usted no se defiende. la corte tomnra medidns y puede entrar una orden contra usted sin previo aviso 0 notificacion Y por cualquier queja 0 alivio que es pedido en la pelicion de demando. Usted puede perder dinero 0 sus propiedades 0 otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABODAGO INMEDIATAMENTE. SI NO TIENE ABOGADO 0 SI NO TlENE EL DINERO SUFlCIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRlTA ABAJO PARA AVERlGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Court Administrator Cumberland County Courthouse I Courthouse Square, 4th Floor Carlisle, PA 17013 Telephone (717) 240-6200 NAUMAN, SMITH, smSSLER & HALL Craig J. Staudenmaier. Esquire Supreme Court 10 #34996 200 North Third Street P.O. Box 840 Harrisburg. P A 17108 (717) 236-3010 Counsel for: Plaintiff 3. On or about August 19, 1988, Defendants entered into an agreement whereby they borrowed from The Commonwealth National Bank ("CNB") and agreed to repay to it the sum of Forty-Five Thousand One Hundred Dollars and Zero Cents ($45,100.00), plus interest, and as security for the loan executed and delivered to CNB their mortgage dated August 19, 1988, in the amount of Forty-Five Thousand One Hundred Dollars and Zero Cents ($45,100.00) mortgaging a tract ofland with a dwelling erected thereon located in Cumberland County, Pennsylvania known as 206 Locust Street, Camp Hill, Cumberland County, Pennsylvania 17011. At all times relevant hereto, Defendants were and remain the sole owners of the mortgaged property by tenants by the entireties. A description of the property is attached hereto, made a part hereof and marked Exhibit "A", A copy of the Note evidencing the aforesaid agreement is attached hereto. made a part hereof and marked Exhibit "B". 4. On August 25, 1988, said mortgage was recorded in the Office of the Recorder of Deeds of Cumberland County in Mortgage Book 914, Page 1087 and this mortgage in the public records is incorporated herein by reference. 5. On or about August 19, 1988, said mortgage was assigned by CNB to Philadelphia National Bank, ("PNB") as Trustee under a certain trust indenture dated as of April 1, 1982, with the Pennsylvania Housing Finance Agency recorded August 25, 1988 in miscellaneous Book 353, Page 1023. Under this assignment PNB succeeded to all the rights and interests of CNB in the aforesaid mortgage. The note set forth in Paragraph 3 above was also assigned to PNB as Trustee for Pennsylvania Housing Finance Agency. See Exhibit "C". PNC was subsequently acquired by Corestates Bank, N.A. Thereafter, Corestates Bank, N.A., and Mellon entered into an agreement 10. Defendants also agreed under the terms of the mortgage and note that in the event of default thereunder they would pay, in addition to the charges listed in paragraph 9 above, attorneys' fees and costs incurred by Mellon as a result of the institution of these legal proceedings. 11. The obligation owed by Defendants to Mellon continues to accrue interest thereon at the rate of $9.88 per day beginning May 29, 1997. 12. In accordance with the Homeowners' Emergency Mortgage Assistance Act, of December 23, 1983, P.L, 385 No. 91, 35 P,S. ~1680.401c~.s.e.Q., Notices of Intent to Foreclose and of Defendants' rights under said Act were forwarded to James P. Strahosky and Darlene C. Strahosky by letters dated February 12, 1997, first class mail, addressed to James P. Strahosky at 206 Locust Street, Camp Hill, Pa. 17011, and Darlene C. Strahosky at 103 S. Baltimore Street, Apartment A, P.O. Box 177, Franklintown, PA 17323. Copies of the aforesaid Notices are attached hereto and marked Exhibits "D" and "E". Copies of the mailing receipts, postal fonns 3817, evidencing the mailing of said Notices are attached hereto and marked Exhibit "F". Defendants received delivery of said Notices on February 15, 1997. See 35 P.S. ~ 1680.404c(e). Mellon believes, and therefore avers, that Defendants have not applied for assistance under the Act. 13, Pursuant to the Act of January 30, 1974, P.L. 13, No, 6,41 P.S. ~101 ~.s.e.Q., and in particular ~403 thereof, Mellon gave written notice to Defendants of its intent to foreclose by letters dated February 12, 1997, addressed to James P. Strahosky at 206 Locust Street, Camp Hill, PA, 17011 and Darlene C. Strahosky at 103 S. Baltimore Street, Apartment A, P.O. Box 177, Franklintown, PA 17323, certified mail. return receipt requested Nos. P 487 144 153 and P 487 144 154 respectively. Copies of said notices are attached hereto, made a part hereof and marked Exhibits "a" and "H". 14. Defendant, James P. Strahosky received delivery of the aforesaid notice on February 19, 1997 as evidenced by the signed certified mail receipt attached hereto, made a part hereof and marked Exhibit "I". 15. Defendant, Darlene C. Strahosky, did not claim delivery of the aforesaid Notice despite the postal authorities allempted deliveries as evidenced by the Domestic Return Receipt (after mailing) PS Form 38Il-A, a copy of which is attached hereto. made a part hereof, and marked Exhibit "J". 16. Plaintiff then forwarded said Notice set forth herein as Exhibit "K" to Defendant, Darlene C. Strahosky, by first class mail, certificate of mailing, to her last known address in an envelope bearing the return address of counsel for Plaintiff. To date said Notice forwarded in this manner has not been returned as undeliverable or otherwise. A copy of the mailing receipt, postal forms 3817, evidencing the mailing of said Notice is attached hereto and marked Exhibit "L". 17. As set forth above, Mellon has made repeated demands upon James P. Strahosky and Darlene C. Strahosky, Defendants herein, to cure the default under the aforesaid mortgage and promissory note, however, Defendants have refused and failed and continue to refuse and to fail to cure this default. --' ~ ~OTE <.... - ,.....,...............~~&~ft.I...U,...:,........,..,. 19,..U.. ....I:I'.~JJ.'Oft:I~,~~&...,..... ..r&CiI;!.1I;d,.gY-1'1 ......J.9.~,..~~,~,~~.L~,tm,h..~!~p...!!,m,'...r.,~,nn,~1.,\y.!n.!.!.....!,?9.!.!..............................,........,..,......,...,....,........,.... 11'11 1- -"'I , [; b '993 S/II1J . I, DORROWER'S PROMISE TO PAY PRnr.flA.;t r 111'1/ L Y In lelUm 10' I loon Ih.11 hm ,oed,ed.1 promi.. 10 pay U,S. d,h!.9.9",9.9....,..,....,....... (i!.YiVM:lS,lllllo\l'5'ION "pnnClpal"), plu.lnler"I, 10 Ih. o,d.. 01 Ih. Lender, Th. Lend.. b ...~9.~9.~~!~,..~~.t"9.!!,~~..,P.M!,L......,........,,.., ..........................................................................................................................................................................I undcnllnd thai the Lender mly transfer thl. Nole. The Lender or Inyone .ho takes Ihi, NOle by Innl'e, and 'Nho i. enlilled 10 receive payments under Ihi. Note i. tilled the "Nole Holder." 2. INTEREST Inllm! will be chilled on unpaid principal unlillh. lulllmounl olprinclpal haa..... paid, I will pay Inl"'"III y..rly 1111 01 ..,....,P.",~,L,,,..,,~, Th. Inllrll' '"II ,equired by 'hi. Section I b 'h. 1111 I will pay bolh belole Ind In.. Iny dcf.ull dClCribcd In Secllon 6(D) ollhl. No'e. J, PA YMENIS (A) TlmeudPllceorr.ymeats I will pi)' principal.nd interest by makin, paf:jcnll every month. I will make my monthly paymenls on the ........~.L.. day of each monlh belinnlns on ....Q.~.Ee~.!~.J..............__.... 19.....~.~. I wUl make these paymenu nery month until I have paid aU of the principal and intercst and any other characs described below th'i I may owe under Ihis Note. My monthly payments will be applied to Inleresl before principal. Jr. on .........~.~p..~.,.!~.~r.................... ....~Q.Ht. I still owe amounts under Ihis NOIe. I will pay those amounts in full on lhat date. which is called the "m.turity date." I...ill mak. my monlhly paymcn"". .....Ag..,~RYJb...!Il!r.t~,L~!l.~P.U,...)ju,th~.~~&....\'.P.OJ).,~!,UJ).~A....., .........I.n9J..,.............................,.....,............,.....,... 0111 I diW",nl pl... II ,equired by Ih. Noll Holder, ID) A..ou.1 01 Mo.thly Plymnll My monlhly paymcnl will be in 'h. Imoun' oIU.S, S..~.~J,.~.?...........,.................n 4, DORROWER'S RIGIIT TO PREPAY I have the rilhlto make payments of principal al any lime bcf'ore they are due. A payment or principal only is known asl "prepayment. " When I make a prepayment. I will tell the Note Holder in wrilinlthatlam doinS S0- I may make a full prepaymenl or panial prepayments wilhout payinl any prepaymenl charse. The Note Holder will use aU or my prepayments 10 reduce lhe amount or principal tbst I owe under Ihis NOIe. Ir I make a panial pf'q)l)'mcnt" there will be no chlnJcs in the due date or in the amount or my monthly payment unless the Nole Holder asrees In wrilins to Ihose chanlcs. S. LOAN CHARGES Jr a law. which applies 10 Ihisloan and which sets maximum lOin charles. is finally interpreted 10 th.tthe interest or other JOIn char&es collected or to be collected in connection with this lOin ucted the permitted limits. then: (i) any such lOin charle lhall be reduced by the amount necessary 10 reduce Ihe charse 10 the permiued limil; and (Ii) any sums .Iready collected from me which uc:ceded pcnnincd limits will be refunded to me. The Note Holder m.y choose to make this rerund by rcducins the principal I owe under this Nole or by makin. a dirCCl paymeru to me. If a refund reduces principal. the reduction will be treated u a partial pnpayment. 6, DORROWER'S FAILURE TO PAY AS REQUIRED CA) Lale Owae ror Onrdue PaYataltI Ihhe Note Holder hu not received the ruD amount or .ny monthl)' payment by Ihe end or ........l~............ calendar da)'lll\" th. dall It b du..1 will pay I 1111 clwse 10 Ih. Noll Hold", Thc Imoun' ollhc chl'I' will be ,.....,.:;..., ~ olmy overdue payment ofprinclpal and Interat.1 will..y thl.late charle promptly but ani)' once on Clch late payment. ID) DeII'U 1(1 do not pay the rull.mount oC each monthly payment on the dale it is due.l will be in default. (c) NolI..olDellall I( I am in dd'.ult" the Note Holder may send me a wrinen nolice tellin. me lhat ir I do not p.y the overdue .mounl by a c:ertlin date. the NOle Holder may require me to pay immedi.tely the Cull.mount oCprindpal which hu not been paid and .lIlhe intCRStthat I owe on th.t amount. That d.te must be alleast 30 d')'1 .rter Ihe d.le on which the notice Is delivered or mailed to me. W) No Wilt.. D, No', H.lder Even if. ala time when I.m in ddawt" tbe Note Holder does not require me to pay immediately in fun IS dcsaibcd lbo",lh. NOI. Hold.. willllill h...lbe ript toclo 00.111110 In dcflulllll III" time. (E) ""ymcnloINol.H.lder..Coat....EI_ If the Note Holder has required me to ply immedi'lely in Cull as described above. the Note Holder will h.ve the riahllD be paid back by me ror all oCill COlli and upenses in enforcinllhil Nole to Iheextml nol prohibited by appUcable l.w. Those expcnJCS include. for eumplt. reasonable anomeys' rees. 7, GIVING OF NOTICES Unless applicable l.w requires .dilfen:nt method. any nOlice thai mull be liven to me under this Note will be liven by delivcrina it or by m.i1ins it by ftrst class mail 10 me at Ihe Propeny Address above or al . dilferent address ir laive the NOle Holder a nacite or my dilfcrmt addras. Any notice that must belivm to the Note Holder under this Nole will be Jiven by m.ilins it by first dIU mail lathe Note Holder .llhe address stated in Section )(A) above or al a dilferenladdress iC I .m siven a nOlice or Ihlt dilferau addras. MUlTISTATE FIXED RATE NOTE_ .....,,....to..."Ol..e uo"oo.. 10"OU"'OT 'Of'" 3200 12/U CNB ""'t 'MM6"" ~... ..... ~ ~ 14) ....... NON.UNIFORM CovEl"ANTS. Borrower and lender runhcrcoycnantlnd 'S'" I' (olio,,", 19. Amlcnllon: Rcmcdlrs. Lender IhaU &I" nollce to Dorrower prior to .euleraUon (ollo"lna Dorro.cr', breach oran,. connan. or Il1ttmtnlln Ihls Security InUrument (hi nol prior to .erelcrlllon under pan In ph. 13 and 11 vnleu .pplltlltle tl" protldn othcrwlsc). Lender ,ball noUr, DOrtOw<<f ct, amona olhu Ihlnas: .llth, ddlull; (b) the .ctlon required to cur. Ih. ddlullj (e) wbrn tbe d,'.ull mUll be (vrrd;_ad Cd) that r.llure 10 cure Ih, dd.ull.1 .prelfted 11I1, mult I. .cceleratlon or the IUms mured b, Ihll Smant, laurumenl, torcclo.urt b, Judlclll procudi"!: and lilt or tht Propert)'. Lender ,ball rurther Inform Dorro"er or the rf&hIIO relnllll. Itler IcceleraUon and Ih, 'Iahl 10 aucrt In the romlOlut. protttdlnl the aonoulltenct or. dcr.ull Dr la, other ddeaH or Dorro"er to '1Icler.tlon .nd roreclolure.lr tbt dcr.ullll Dot cured u .peclfled. Leader at III opllon III" requlr.lmmedlate p"mentln rull Dr all,uml lelured h,thls Staarlt,lutnamtnt without rurther demand and m.)' roreclot. tbls S<<urtl, "utrument br Judlcl.1 procctdlnlo lAnder aha1I be eaddec1 to collect all tlpt:ltlet lncuntd In punulnl tilt remedla prodded Inlhla p.raJ1lph 19,1ncludlnl. but not Ih.Ueclto, I"Ol'1lt)'l' rea and COlli Dr UII. "Idene. to the tltcnt permitted h, .ppllelhl.ll.. 20. Loder II Poueulon. Upon .cceltration undcr paralnph 19 or abandonment or the Propen)'. Lender (in penon. bY'llnt or by jUdidaUy.ppolnted rudvcr) ,hall be entitled 10 enler upon. take pourssion or .nd m.n'lc the Property and to collccllhe rentl or the Propen)' Includln,lhose pili due. An)' rcall collected b)' Lender or Ihe receiver shall be .pplied flnt to pa)'ment or the COSll or man'lement or the PlOpcn)' .nd collection or rentl. indudinl, but not limited 10. receiver', rea. premiums on recdver'a bond. and reasonlble '"omeys' rea, and Ihcn to Ihe suml secured by lhb Securily InstlUment, 21. RcJeue. Upon pa)'ment or In.ums lCCured b)' thlt Sccurilylnllrument, Lender '.h.1I dilCharlc Ihil Security tn.trumenl wilhoul char.c to Borrower. Borrower ,h.1I ply any recordation cosll. U. R,1utatemeal Period.. Borrower'. time to reinstale provided in p4n.nph 1 a Ih.n Clltend 10 one hour prior to tbecommencemcnl orblddlnl.tlsheriJrallle or olher sale punu.nt to Ihl. Securit)' Inltr\lmenl. 23. PardweMoatrMortpJt.Ulnyorlhedebt Kalred by IhisSecuritylnllr\lment Illmt to Dorrowerto acquirc title to the Propert)', this Security In.trumentshall be. purchase money monple. U.latuat Rat. After JudpleaL Borrower 'IrctI that the lnteral nle pa)'able aner. judlmcnt il entered on Ihe Note or in an action oCmonl"e roreclosure shall be the rate pay.ble rrom time to time under the Note. 25. RIdm la thlI Secari17IDStnullcoL IC ODe 0' mOIl riden Ire .....Ied by BoIlOWCllftd reco,ded logelhCl"lIh Ibb Security InalrWncat.lbe covenants and ,sreemenll at each ,uch rider ..hall be incorponted Into and .hall,mend and supplanent Ibe covenants and aarccmcnts or this Security lnatr\lment u It the rider(.) were a pan or this Security InstnunenL- (Cbcck Ipplicable bo,(..)) o AdjUlllble Rate RldCl o Gradualed PI)'lllent RldCl III 0Ibcr(.) (speciry) P.H.F.A. o Condominium RldCl o Planned Unit Developmenl RldCl and Legll Description o 2-4 Flmily RldCl BY SIONINO BELOW. Borrower ICCCpll and 'arm 10 the temu and coven.ntl contained in Ihis Securil)' lnalrumenl and in an)' rider(l) eJ.ecuted by Bonower and recorded with It. Witnc:uea: ~!';~------~ , D~'ts~'iY~~~""~ ,.,.,\...l.1,~J:~9::,Q!.l.k&,....,. ...,.P&...,io...,..}&,ih....,....,.,...._,.....,.. COMMOHWEALnt OFPEN'NSYLYANtA. .:...........f~~~.~!~!!'.~............................. Counly IS: On this. the ....,.....Il~h..,..., day or .................."Hly,H,..,......" 19 ,~.~, berore me, ..,..NR~.UY..P.yb1k ..'....J.........p' ..5....."'..'.. the undersigned om",. ""rsonally I~pell<d ....,......"..'....,............,.........,........,..,.... .........~.~~....:....~.r.'!-..~~~.Y..~m~...rU!F.~.!!.~~..~,..~~r.".~.'?It.~...............................known 10 me (or satilfactorily pruvcn) 10 be the ~non"........... whose name ..,......tU:e..................lubscribcdtothewithlninstrumentand.cknowl. cdlcd that ....f..~..x......... elecuted the same for Ihe purposes herein contained. IHWfTHWWHEREOF.l hereunto acl m)' hand and officialaeal. ..~~t.~!:':r~~~ \..... '\\\ :;.'t'/:...;.;,.=: 4 ' .',..:';." .,".'.....)" L... .. :~'I!~ .....-;. r .........., .&,tUu...../.'b,'yX$;C.MJitrL,.....::.1 ~). \_~.,.":.. .. l.).-! "''''~'':''.J". p~.,~ '~l .............................................................::.:.;::::;.....~~~,~...- T~lIlf~ . ~ . . My COOlIl1issioa UP"': . NA'ALlI M. MccelJelL. HOTAI, 'Valle HAMJlDlN TWP.. CUMlfRLAHD COUNTY My COMMISSION UPIAts MAleH 20. "11 ....:. ..".....~,.;...:. ,." ,. ...,... .-' .'.....~" . "" ,;nnJy .anl6 ,...:".;, . '.. ~_ ..... . , :- ..,.~. 01 Cumberland ~ ,.. .' ~ ~-:)...' ':~. . F;~~o;~ed in the olllet tor the I.cordl;~ 01 D~~S . : ..:/) I I. l}. . \'t~~' . .~d lorAY,T9.rtanclCounty,~.. ,ro.7d., f,.," ~ ' . OO~ vo~ P.g~~!,).~{r..~ .':;{: ;,"::" I 111m hahdandllaloto Ice at . ":' ._' _..~//~, ! o ..,~"--:;:!!'.'" .,....; Carlisle. P 1 . .. .'... . Recorder ......;..,.:;....:.:. ~::~. . t-....... 'INI UnI..........,., UndII...........,. COMMONWEALTII OF PENNSYLVANIA: Olii 31,1 rAt(109U o COUNlY OF ..... LAW ()"I'IC:I:~~ N.'\tJt':J.\N. H1'1!J"Il"IlI. H;IIJ."S:-J,J.JNH ~ n,"]"f. 11.1'" 1'10011 ,':'00 NOli". T'lIHIl 5T11r:~ f !,I'rl;",I:II t.. '.""U"'''''..H' .I01Ilj" ">1111""""'4 .J !l1L"1I1-Il1'1lt.OIUlt cnAI~, I !;IAUntul<4AII;U P. Q. IJO" 040 HAnnlf,l1tJrlC, P[NNSYlVMH^ 17100-0/340 '.. .l\Cl """'I'" . t;')'lC$." U,"'. :c :. C"fa., Irt.'-"ItONC IlC'lJ"MlIl C. IIIIIHAI', .In. !>'LPI4tPl.J. fO.1:t'll: ~WLC' ~'."'l."tlC.t'l 'H.~.. '"C:IIO.[".,.,. 1I111 ;'30-3010 fLu:,..... f1171 i!34.I9Z'.:i ACT 91 NOTICE IMPORTANT: NOTICE OF HOI\-IEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ THIS NOTICE. YOU MAYBE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS February 12, 1997 CERTIFICATE OF MAILING Darlcnc Strahosky 206 Locust Street Camp Hill, PA 17011 RE: Accollnt No: 5011101585 MclIon Banll, N.A. Dear Mrs, Strahosky: YOllmay be eligible for Iinancialllssistallce thllt will prel'ent foreclosllre Oil ~'(I\II' mortgage if )'011 comply with the provisions of the Homeowners' Emergcnc~' Mortgllge Assistance Act of 1983 (the "Act"). YOII mllY he eligihle for cmcrgcncy tcmporllry assistance if ~'ollr defalllt has been cllllscd hy circnmstance beyond )'onr control, YOII havc a reasonable prospect of resnming )'0111' m0l1gllge paymcnts, IInd if YOllmcct othcr eligihilit)'rcqllircmcnts cstablishcd b)' the Pcnnsylvania IInllsing Financc Agcncy. Plcasc I'clld 1111 of this NOliec. It contllins an cxplllnatioll of yom' rights, Under thc Act. you arc entitled to a tcmporary stay of foreclosure on your mongagc tor thirty (3U) days from the datc of this notice. Dur1l1g that !line you must arrangc and allcnd a "facc-w-iace" mccting with a rcprescmativc of this lender, or with a designated consulllcr crcdit counseling agency, Thc purposc of this Illccting is to allcmpt tn work nut a rep;lymcnt plan. or to othcr\\'isc sClllc your delinqucncy, This meeting must occur in the next !hiny (30) days, -..... .... If you a!lend a face-Ill' face meelin~ with Ihis lender, or Wilh a consumer crcdit couliselinc agency idelllined inlhis notice, no fUrlher prnceediug inmorlgage foreclosure may lake place for thirt;, (30) days aflCr Ihe dale of thai mceting. The name. address and telephone numher of Ihe Bank's represclllalive is: Craig J. Slaudenmaier, Esquire NAUMAN, SMITH, SIIISSLER & HALL 200 NOrlh Third Streel Ilarrisburg, Pennsylvania 17108 Telephone: (717) 236.30 I 0 The names and addresses of designaled consumcr credit counseling agencies are shown on the a!lached sheet. It is only necessary 10 schedule one facc'lo.face meeting, You should advise this lender immediately of your inlentions. Your mortgage is in default because you have failed 10 pay promptly inslallmellls of principal and illleresl. as required, for a period of:u least sixty (60) days. The 10lal amoUIll of the delinquency as of the above dale is $4,416.54, That sum includes the following: principal. illlerest, escrow and late charges. If you have tried and arc unable to rcsolve this problem :u or aner your face-to-face meeting, you have the right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistancc Fund. In order to do this, you must fill out. sign and file a completed Homeo\'.ners' Emergency Assistance Application with one of lhe designatcd consumcr credit counseling agencies listed on Ihe allachment. An application for assistance may only be obtained from a consumer ,red it counseling agency. The consumer counseling agency will assist your completed application ,0 the Pennsylvania Housing Finance Agency, Your application must be filed or postmarked, within thirty (30) days of your face-to-facc mceling. It is cxtrcmclv inmOl1ant that \'011 filc an annlication pronmtlv. If \'oU do not do so. or if 1'011 do not follow the other timc J1criods sct fOl1h in this letter. forcc1oslll'C mal' nroceed a!!ainst \'0111' home immediateh'. Al'ailablc funds for emergency mortgage assistance arc very limiled. They will be disbursed by Ihe Agcncy under the eligibilily crileria establishcd by the Acl. It is extrcmely imporlaut thai yonr application is accurale ;md completc in el'ery respect. The counseling agcncy will help you to nil out thc application. The Pcnnsylvania Housing Finance :\gency has sixty (60) days 10 make a decision .ICler il receives your applic:uion. During that additional time. no foreclosure proceedings will he pursucd against you if you have melthc limc rcqUlrements se: forth above, You will he nolincd directly hy Ihat agency of liS decision on your .1I11JIicati"l1. The Pennsylvania IIous1l1g Finance Agency is located at: 2101 North Frum Street. 1',0, Box SON. Harrlshurg. Pennsylvania 17105. Telephone No: (717) 7S0-3S00 or I-S()O-3-l~-2397 110:1 free numher), Persons wilh imp.ured heartng can call I-SOO-342-2)97, ~.... - r ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE The Commonwealth of Pennsylvania's Homeowner's Emergency Mortgage Assistance Program may be able to help you. Read the attached notice to find out how the program works If Vall need more infon11luion call the Pcnnsvl\'ania . . Housing Finance Agency at 1 (800) 342-2397 I.A0:0TlFIC\C!O:-; 1.\ \DJlJNTO ES DE SU~lA l~tP()RTANCI.\, :'UES ,'.FECV. ~.: DEREClIO ,\ CO:--JIT<\ ':\R VI\'IENDO EN SU C.\S:\, SI \0 CO~tP~ENDE :::. CO~TENI DO DE :iT:\ \,OTIFIC,\CIO;-': ilBTE\CiA 1':::\ m.-\DUCC: : ~: IN~IEDIAL\~IE:-:1I :L:\~IA~D() Esn .\CiE::CL\ ,PE::\SYL\'.\\'I.\ i/OL'S:-::.:' FI\'..\~CE ,\liE::(",', '!:: ,'..\RUOS ..\1. \,(I~IER() ~t1::-;,'!O:-;.\D()\R!Wl\ :" 'EDES ~::? 1:I,l:<ill\l.I: i'\I-:.\' '::':!S!'.\:--lllI'OR U. I'ROliR.\',I\ I L.\:--L\!1,,'!IO:'::J)\\"'\::?~ 1.~I1.R' iE,,"',' ',11 'i, i' ',1 il. .\SSbl,\\'l T !'IWliR..\\:' il. ct:..\1. :" EDE' ".1. \':\?, ,': ,'..\'i:\ DF 1..\ 1'!,i,Pi;' '. lEi, DERECIIO..\ REDI:--t1R ," lilI'OTEC\ If you attend a face-to-face meeting with this lender. or with a consumer crcdit counseling agency identified in this noticc, no furthcr proceeding in mortgage foreclosure may take place for thirty (30) days after the date of that mecting, The name, address and telephone number of the Bank's representative is: Craig J. Staudenmaier, Esquire NAUMAN, SMITH, SHISSLER & HALL 200 North Third Street Harrisburg, Pcnnsylvania 17108 Telephone: (717) 236-3010 Thc names and addresses of designatcd consumer credit counseling agencies are shown on the attached sheet. It is only necessary to schedule one face-to-face meeting. You should advise this lender immediately of your intentions. Your mortgage is in default because you have failed to pay promptly installments of principal and interest, as required, for a period of at least sixty (60) days. The total amount of the delinquency as of the above date is $4,416.54. That sum includes the following: principal, interest, escrow and late charges. 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 on the attachment. An application for assistance may only be obtained from a consumer credit counseling agency. The consumer counseling agcncy will assist 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 extremelv imnortant that VOII file an annlication nromntlv. If VOII do not do so. or if VOII do not follow the other time neriods set forth in this letter. foreclosllre mav nroceed al!oinst vOllr home immediatclv. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is cxtremely 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 rcccives your application. During that additional time, no foreclosure proceedings will bc pursued against you if you have met the time requirements set forth above. You will be notified directly by that agcncy of its decision on your application. The Pennsylvania Housing Finance Agcncy is located at: 2101 North Front Street, P.O. Box 8029. Harrisburg, Pennsylvania 17105. Telephone No: (717) 780-3800 or 1-800-342-2397 (toll free numbcr). Persons with impaired hearing can call 1-800-342-2397, . . - ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE The Commonwealth of Pennsylvania's Homeowner's Emergency Mortgage Assistance Program may be able to help you. Read the attached notice to find out how the program works, If you need more information call the Pennsylvania Housing Finance Agency at 1(800) 342-2397 L..\?\OTIFICACION E:\ :\DJtJ~TO ES DE :;U1\I.\ 1\IPORT:\NCI.\, PUES AFECT,'\' ~:' DERECIIO :\ CONTI:\UAR \'IVIENDO E~ SU C\SA, 51 \;0 C01\-IPRE?\DE :::.. CO?\TENIDO DE EST:\ \10TIFIC:\L'I0?\ OI3TE\'G:\ I x,\ rtt-\ Dl.'CC: C'\ IN\IEDI^T:\MENTE LI.:\1\I:\\DO ISL\\(jE:\CI.\ d'E?\",SYL \':\:--.'1.'\ 1I01.:~:?\\ i F1N:\NCE AGENCY) SIN C:\RGOS:\I. \I'\IEIW \IE~:C1()N:\DO :\RR113 ,.\,, PPEDES ':c;'. !:I.EGIBI.E PARA l'~: PRES r.\\IO POI, I:, PRll(ii(,\\L\ I.I.,\\I.,\DO "1I0\IEU\\'\;::,::' .' '1' 'I'"C''' \ll)I"j'c \('1: . 'Sls'I' \" T "l' ) '1' "I' 'I '. '\1 1'1'1'01: S \1 ", :.' " :'.\lIo\(J:;,.I. \ J. .I"\~,, ,.,,\,:,\\(,\:,.., ...\L, _ .. .'. ".\.. ('.\S:\ IJE 1..\ PERIJI!).\ DEI. DERECI!O ,\ REDI\IIR -1'IIIP()TEC\. US. POST" S,AVlcr . CERTIFICATE OF MAILING MAY DE USED FOR OOM[SflC AND INnRN~T1Dtu.r. MAIL. DOtS NOT PROVIDE FOR INSURANC[-POSTMASllR . R ~N. SMII H, SRISSCER ,,__ -P.. O-:-Sox84Cf Onit pIK. 0 ord.nary meladdr ... , -- " ::Jr, ( ,- 01:1 \'(\11 1-\1 11,-!-'O PS Form 3817, Mar. 1989 cpo 1993 0 - 151-0~1 p, O. Box ('\~)~ PS Form 3817. Mar. 1989 CPO: 1993 0 - 151..051 Alli"l.. NI. '" .lamp, 01 mill., POI.lglI Ind POlt.. mark. JnQulfe of Pif.tMilt., Jtb, currenl (ft.""" Vol v.lt'-l'-. ... ~O ... .. ~ 0 ""'0 ~O~\ ~V,II'~G ~ V1 ~{t ~ C~I~ ~ gill ~ c AftlA t.. __ in ..amp. o."W ~~. Ind PQiW"H1k. lnqw. of ~~.f"otC\lf'm1t II . ; O""'~ ~ 0 lot .t... ~. v, {II")' } ~ V1~t' ~ C~l~ ~ ~ll C \IJ ... C , ... You may CURE TilE DEFAULT and restore the mOrlga~e and a~reement to the same posilion as if Ihe delillllt had not occurred hy paying to ns in fulllhe amonnt of $4.845.54 WITIIIN TIIIRTY /30\ DA YS after the date of the notice. An additional $14,(}(, will he dne if paid after Febrnarv 15. 1997. Paymelll of the amount of overdue monthly installmenls, now totaling $4,290.00 (plus any installment becomes due before the Bank receives paymel1l, as provided above) must be made by cllsh. cushier's checl(. 01' cel1ified check. Late Charges, now tOlaling $126.54 may be paid by cash or personal check, Payment must be made at the offices of Nlllllmlll, Smith, Shissler & lIall, 200 Norlh Third Street, Harrisburg, Pennsylvania between the hours of 8:30 am .lIld 5:00 pm, Monday through Friday, or by mail addressed to CraigJ. Staudelllllaier, Esquire, Nauman, Smith, Shissler & Hall, P.O. Box 840, Harrisburg. PA 17108. If paymelll is not receiued within THIRTY (30) DAYS AFTER THE DATE OF TillS NOTICE, THE BANK MA Y, WITIIOUT ANY FURTHER NOTICE TO YOU, DO ANY OF THE FOLLOWING: (I) ACCELERATE TIlE MATURITY DATE OF TIlE MORTGAGE AND DECLARE THE ENTIRE AMOUNT OF TIlE UNI'AID PRINCIPAL BALANCE of the mortgage, which is now $41,668.05 and all other sums due under Ihe mortgage TO BE IMMEDIATELY DUE AND PA Y ABLE. This means thal. unless you cure the derault in accordance with this notice, you could immediately owe to us this full sum, plus other sums that may then be due, (2) BEGIN LEGAL PROCEEDINGS TO FORECLOSURE UPON TIlE MORTGAGE IN WHICH PROCEEDINGS TIlE SIIERIFF MAY SELL TilE 1I0USE SU8.JECT TO ITS MORTGAGE. (3) TAKE POSSESSION OF TIlE PROPERTY, and proceed 10 have you ejected rromthe property. (4) SUE YOU PERSONALLY FOR TIlE SAID UNPAID I'RINCIPAL BALANCE ,lilt! other sums due under the Mortgage and/or Agreement. WARNING: II' you pay the amOU11l more than t11irty (30) days arter the dale or this notice. and Ihe Bank has referred this mailer 10 its lawyers for legal action, you may have to pay an allorlley's fee of up to $50.00 and the cost of the title search and report. in addition to Ihe other amounts due, in order to cure the defaull. Furthermore, if you pay the amounts due more thanlhirty (3(}) days arler the date orlhis leller and the Bank's lawvers ha\'e starled legal proceedings. you may ha\'e to pay additional legal expenses. ind;lding court COSIS and allnrney's rees that mill' exceed S50.(}O. in order 10 cure the default. - ,.... L^w O'TICL:S N""'l",~Nt NJ\UTU. Ci.nlB"~:-U.":H l~ ll:I;H..,I. In'" rtOO" ;'Of) NUff111 tll'flU !Jl1ltll !i1":'I,:t:1I G. 'jAU"'~f4, .III, JOltt,... '''Ulll\(l\" J. ~>1LI'llI:N n:HIOlH, CIIA"., !"^UIII~'j1"""IL:I' p. 0, 00. H40 HM~R15(JunG. PCNNSVI.V^,':I^ 1710fJ~OO.10 COU"~Cl IIAU'" W. fIO"'.I:S..' """"0 C. C....'OI. h:lt:"llI)flr 1/111.....".0.3010 1CU;rJll. f1111 ~3".I'.JZ!1 1I11Il:Cf t:....AIL "OO"'tl. "~~'''.''tn"oru:,,, [~ lJt:NJAM1N C. nVULA,', .In. &Ttf'Ilr.I~ J. "I:r.,,(: IMI'ORTANT: NOTICE OF DEFAULT AND INTENT TO FORECLOSE UNDER ACT 6 February 12, 1997 In Re: Mellon Bank, N.A. Account No. 500101585 Address of Mortgaged : Properly 206 Locust Strcet Camp Hill, PA 17011 TO: J)urlcnc Strahosk)' FROM: Mcllon Hunl(, N.A" snccessor Trnstec for the I'ennsylvania Honsing Finance Agency (assigncd from the Commonwealth N;ltional Hanl() TillS IS A NOTICE OF DEFAULT AND OF TilE INTENT OF MELLON HANK, N.A. TO FORECLOSE ON YOUR MORTGAGE. I'LEASE READ ALL OF TillS NOTICE. The Bank holds a Note which is signed by Jamcs Strahosky and Darlene Strahosky dated August 19, 198B in the originalalllount of $45,100.00, The Bank also holds a mortgagc on a residence at thc above address. securing the agreemclll. Thc mOrlgage and your Nolc are in serious default bccausc I'on ha\'C failed tn mil' when due IIlnnthll' installments of principal and illlercst and escrow III thc amounl of $429.00 cach for the 1Il0nlhs of May. June. July, Augnst, Septembcr, OClOher. NOl'cmher. Decemher. .1;1Iluary and February alllllate char~ of$14.()(, for the months of May. June. July, Augusl, Seplemher. Octobcr. November. Dceelllher anti Jannary. TilE TOTAL Al\IOUNT YOU ,",OW OWE IS $4,41(,.54. If Ihc BanI; docs nOI receive full payment from you by Fehruary 1M. 1997, you must add an additional S4N.()() for lhc monthly installment duc onlhc Inl!owing day If Ihc Bank docs not receive full paymcnl or lhe total descrihcd ahovc from you hI' Fehruary 15. Ilj'F. y'lll must add an additional , . , l S i Paymenl of the amounl of overdue monlhly installments, now lotaling $4,290.00 (plus any installmelll becomes due before lhe Bank receives paymelll, as provided above) musl be made by !:l1sh, cashier's checl(, or certified check. Lare Charges, now totaling $126.54 may be paid by cash or personal chcck. Paymelllmust be made al lhe offices of Nanmall, Smith, Shissler & Hall. 200 North Third Streel, Harrisburg, Pennsylvania belween the hours of 8:30 am and 5:00 pm, Monday lhrough Friday. or by mail addressed 10 CrnigJ. Staudenmaicr, Esquire, Nauman, Smith, Shissler & Hall, P.O. Box 840, Harrisburg, PA 17108. If paymelll is 1I0t received wilhin TIIIRTY (30) DAYS AFTER THE DATE OF THIS NOTICE, THE IIANK MA Y, WITHOUT ANY FURTHER NOTICE TO YOU, DO ANY OFTIIE FOLLOWING: (I) ACCELERATE THE MATURITY DATE OF TIlE MORTGAGE AND DECLARE TIlE ENTIRE AMOUNT OF TilE UNPAID PRINCIPAL IIALANCE of lhe mortgage, which is now $41,668.05 and all other sums due under the mortgage TO liE IMMEDlA TEL Y DUE AND PA YABLE. This mcans thai, unless you curc the default in accordance wilh this nOlice, you could immediately owc to us this full SlIIll, plus olher sums that may then be due. (2) BEGIN LEGAL PROCEEDINGS TO FORECLOSURE UPON THE MORTGAGE 11'\ wmcn PROCEEDINGS TIlE SIIERIFF MAY SELL TilE 1I0USE SUB.JECT TO ITS MORTGAGE. (3) TAKE POSSESSION OF TilE PIWPERTY, and proceed to have you ejcctcd fromlhe property. (4) SUE YOU PERSONALLY FOR TIIESAIJ} U1'\PAIJ} PRINCIPAL BALANCE and othcr sums due undcr Ihe Mortgage and/or Agreement. WARNING: If you pay the amount more than thirty (30) days after lhe date of this notice. and the Bank has refcrred lhis matter 10 its lawyers for legal ,let ion. you may have to pay an attorney's fec of up 10 $50.00 and the cost of the title search and report, in addilionlo the lllher amounts duc, in order 10 cure the default. Furthermore. if you pay thc amounts due mnre Ihan thirty (30) days after the ,hlle of this letter and the Bank's lawyers haw slarled legal proceedings. you may haw In pay additional legal expenses, mdudin" wurt costs and attornel''s fees that mOl\' execed $50.00, in order to cure the ::- .. default. \ \, ...... LAW Orncr;n N.t.lT1'1.'N. ti~""4'lIIIt MIIIHHI...:U ~ ]1.\I.J. IU'" rLoon ,200 NOluu TUWD STRCC.T ~p[uccn G. NAUMAN. .HI. JOH'4 C. :lULU...."''' J. G'C"lltU '-[INOUn CRAIG J.51AUOr.:N"'jIl,lI:IJ P. O. UOJlt 040 HARRISOURG. PCNNSYlVANIA 17100-0640 COUIU'iIU. P....H w, no,...'t. t. ="""D c, CA''::, l(:l(I'"0..t 1717J ~.JO.3010 h:LI:'..... 17171 ?3...19P!i DU_I::1' C MAIL "to:-!:.. "St....ACDRQ.t,.. t- UCN.JAMlN C. (lUNL^f', .In, 51[""1:".J. ''':'CIU: April 25, 1997 CERTIFICATE OF MAILING Darlene Slrahosky 103 S, Ballimore SI. Apt A Franklintown, PA 17323 IMPORTANT NOTICE RE: Mellon Bank, N.A. Loan Account Number: 500101585 Dear Mrs. Strahosky: I am enclosing a Notice of Default and Intent 10 Foreclose as required by and in compliance with the provisions of Pennsylvania law, more particularly, Acl No.6 of 1974, Act of January 30, 1974, P.L. 13, No. 6, ~IOJ ~ ~., as amended, 41 P.S. ~IOl ~.lliI. THIS NOTICE OF DEFAULT AND INTENT TO EXECl:TE IS EXTREMELY IMPORTANT AND REQUIRES YOUR IMMEDIATE ATIENTION. DEFERRING ACTION 0:'\ THIS NOTICE WILL FORCE THE BANK TO SELL YOUR HOME AT SHERIFF'S SALE. Should you have any questions regarding this action. please contact the undersigned al the above address and lelephone number or an attorney or olher advisor of your choice immediately. CJS/ckb Enclosure cc: Scott Pidro I -/\ / ......------ denmaier Mellon Bank. N.A. .... - ):illL1lJay CURE TilE DEFAULT nl1llre~tore the mort~a~e and a~reement to the ~ame po~ition il.LilJl~ilJllUli.ld 11111 occurred hy payin~ to u~ in full the amount of $5.745.72 WITIIIN TIIIRTY /301 !lAYS after the dale of the notice. An mlditional $1.l,Or. will he due if paid after May 15. ]997. Payment of the amount of overdue monlhly installment~. now tolaling $5,148.00.00 (plu~ any inslallmenl become~ due hefore lhe Bank receives payment, as provided above) musl bc made by J:aslL cashil'r's c1wcl(, Ill' ('erlilied dwcll. Late Charges, now lotaling $168.72 may be paid by cash or personal check. Payment must he made 011 the oflices of Naumnn, Smith. Shissler & Hall, 200 Norlh Third Street, lIarrisburg, Pennsylvania betweenlhe hours of 8:30 am and 5:00 pm, Monday through Friday. or hy mail addressed to Craig J, St;mdenmaier, Esquire. Naumlln, Smith, Shissler & Hall. P.O. Box 840. Harrishurg, PA 17108. If payment is not received within TIIIRTY (30) DAYS AFTER THE DATE OF THIS NOTICE, TilE IIANK MAY. WITHOUT ANY FURTHER NOTICE TO YOU, DO ANY OF THE FOLLOWING: (I ) ACCELERATE THE MATURITY DATE OF THE MORTGAGE AND DECLARE THE ENTIRE AMOUNT OF THE UNPAID PRINCIPAL BALANCE of lhe morlgage, which is no\\' 541.668.05 and all olher sums due under lhe mortgage TO BE IMMEDIATELY DUE AND PAYABLE. This means that, unless you cure the defaull in accordance with this noticc, you could immedimely owe to us Ihis full sum, plus other sums lhat may then be due. (2) BEGIN LEGAL PROCEEDINGS TO FORECLOSURE UPON THE MORTGAGE li'i WHICH PROCEEDINGS THE SHERIFF MAY SELL TilE 1I0USE SUBJECT TO ITS MORTGAGE. (3) TAKE POSSESSION OF TIlE PROI'ERTY, ,md proceed 10 have you ejected from the property. (4) SUE YOU PERSONALLY FOR TilE SAID UNPAID PRINCIPAL IIALANCE and other sums due under the Morlgage and/or Agreement. WARNING: If you pay the amount more lhanlhirty (30) days after the date of this notice. and lhe Bank has referred this mallcr to its lawyers for legal aClion, you may hnvc to pny an allorney's fee of up 10 $50.00 and lhe cosl of the litle search and reporl, in nddilionlo lhe olher IImounts due. in order to cure the default. Furthermore. if you pay Ihe nmounts due morc than lhirly (30) days ,Ifter the dnte of this letter and the Bank's lawyers have ~Iarled legal proceedings, you nmy have 10 pay addilioual legal expenses, including court cOSls and nllorney's fees thai may excccd $50.00, in order to curc lhe default. , , L . __ . . 1 . . VERIFICATION I, Donna J, Vaughn, Foreclosure Supervisorof Mellon Bank, N.A., Plaintiff in the foregoing proceeding, make the following statement subject to the penalties of 18 Pa.C.S. ~4909, relating to unsworn falsifications to authorities, and do state that as Foreclosure Supervisor of Mellon Bank, N.A., 1 am authorized to make this verification on its behalf, and do state that the facts set forth in the foregoing Complaint are true and correct to the best of my knowledge, infonnation and belief. C' ~ x'rl t d- i?:>lo..(UC Witness Date: 01,olQ0 .. 0 ~. ,... 0 I'f) !': c-: .- " ~-.. -- II' ~ " '\ " ~ (."1- ('..: I' , ~ ..s , .' c. ... . ' ~ ...... , , ':_j r:- .... '\ ~ I, . , " ~ IJ." ~ . ; ~'d "- ~ - I,,~ , ....j. ~ "0 f :\ r', ., '=' .J Q ~ U ~lt; ~ "~"',:~"'4 ,._"'...... . NOTICIA IMPORT ANTE TO: JAMES P. STRAHOSKY USTED NO HA CUMPLIDO CON EL A VISO ANTERIOR PORQUE HA FALTADO EN TOMAR MEDlDAS REQUERIDAS RESPECTO A ESTE CASO. SI USTED NO ACTUA DENTRO DE DlEZ (10) DlAS DESDE LA FECHA DE EST A NOTICIA, ES POSIBLE QUE UN FALLO SEA REGISTRADO CONTRA USTED SIN UNA AUDlENCIA Y USTED PODRIA PERDER SU PROPIEDAD U OTROS DERECHOS IMPORT ANTES. USTED DEBE LLEVAR ESTA NOTICIA A SU ABOGADO EN.SEGUIDA. SI USTED NO TIENE ABOGADO, VAYA 0 LLAME A LA OFICINA ESCRITA ABAJO PARA AVERIGUAR EN DONDE USTED PUEDE OBTENNER LA A YUDA LEGAL. COURT ADMINISTRATOR Cumberland County Courthouse 1 Courthouse Square 4th Floor Carlisle, PA 17013 Telephone No.: (717) 240-6200 NAUMAN, SMITH, SHISSLER & HALL Craig J, S u enmaler, Esquire Supreme C ID #34996 200 North Third Slreet P.O. Box 840 Harrisburg, PA 17108 (717) 236-3010 Counsel for: Mellon Bank, N.A,. Plaintiff ~ \L) (.: ~ ., c:: \).0 I'~ .. ="'= luQ ~ '5'''- I 0", -. 1- :.-..; '" ~-U ,~:: i;~; l~ _._ --. 'r I~r <l_ OC-' ". ~;.:! ~r.: C. .'C') l' ,.. C"} ,- 0:'" ~,--~ -' t,. f'l~ :;, ~,iJ IlJ -. J ~"o. Ll. ~ 0 ,... :s 0'> U ~ ~ .... ~ Vo ~t ~~ ...... ~@ tr. ill b ~? c:: ...':'. I- .. :_;,;.).=( UJ9 .;J ~~.~ ~.::. ~,.. c:- ~{ u.. :,-;j --,"- () C> '(~ c. .-' .',' wo. C"> .'J:.'. ,..-, cE~'~ _J I ,"1m F: :::> :_~!tl- -. .~ u. r- :5 0 0' (.) A DARLENE C. STRAHOSKY, Defendidos/as Por este medio se Ie esta notificando que el de del 1997 . ellla siguienle Fallo ha side anotado en eontra suya en el caso meneionado en el epigrafe. FECHA: Protonotario Certifico que la siguiente direccion es la del defendido/a segun indicada en el certiticado de residencia: . Darlene C. Strahosky 103 S. Baltimore Street, Apt A P.O. Box 177 Franklintown, PA 17323 Abogado del Demandante , SMITH, SHISSLER AND HALL nmaler, Esquire 10# 34996 200 North Third Slreel P.O. Box 840 Harrisburg, PA 17108-0840 Telephone: (717) 236-3010 Counsel for: Mellon Bank, N.A., Plaintiff Date: July 29. 1997 . ir, \t) c c:: .". ~ .. ~'~1:~ wQ .:r t..:',..; 0.. EE'--' . - .' .~-. ~r! u_ i:};,J (". C) '(. . L M .1;.: '\... ,.~/..: itL!' ,::,,} :<,~ ,.":- -, Lt.. ,.... :5 u C1' <.> >- \l, E q; c ~ .. ~.- UJQ ..:J "J=-'.: E~:) .J"~~ Q~ . :":" ~):::i ~~. "',;- t ' Cl "'c" , :~;.:. ':':/', ,~ ;I:Z EU' -' I: I~.w 1'" =:J . .Jo..J.., -. -:. ...~ "- I- S 0 C1' U THIS NOTICE IS GIVEN PURSUANT TO RULE 3129.1 OF THE PENNSYLVANIA RULE OF CIVIL PROCEDURE. THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF YOUR PROPERTY. IT HAS BEEN ISSUED BECAUSE MELLON BANK, N.A. HAS ENTERED A JUDGMENT AGAINST YOU. IT MAY CAUSE YOUR PROPERTY TO BE SOLD OR TAKEN TO PAY THE JUDGMENT. YOU MAY HAVE LEGAL RIGHTS TO PREVENT YOUR PROPERTY FROM BEING TAKEN. A LAWYER CAN ADVISE YOU MORE SPECIFICALLY OF THE RIGHTS YOU MAY IIA VE. IF YOU WISH TO EXERCISE YOUR RIGHTS, YOU SHOULD DO SO IMMEDIATELY. IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE OR YOUR RIGHTS REGARDING THE SALE OF YOUR PROPERTY, YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, YOU SHOULD GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN OBTAIN LEGAL HELP. Cumberland County Lawyer Referral Servlc\! Court Administrator Cumberland County Courthouse Carlisle, Pennsylvania 17013 Telephone No: (717) 240-6200 YOU MAY HAVE THE FOLLOWING LEGAL RIGIITS IN TillS PROCEEDING: 1. You may file a petilion Wilh the Coun of Common Plens ofCulllhcrlllnd County 10 open the judgment if you have a lIlerilorious defense ngninsllhe person or cOIllJllmy thlll has entered judgment againsl you, You may also file a pelition with lhe slime Courl if you lire IIWllre of II leglll defect in lhe obligation or the procedurc used agllinsl you, 2. After the Sherifrs slIle you may file n Jlelition with the Courlof COlllmon Pleas of Cumberland County to sel aside the sale for II grossly inlldequate price or for other proper clluse. This petition mUSl be filed before the Sheriff's Deed is delivcrcd. 3. Thcsc righls musl be asscned by filing II pelition or petitions ruising Ihe legllllssues or rights mentioned above wilh the Coun of Common Plells of Cumhcrlllnd Counly locllled In Carlisle, Pennsylvania. If you have any queslions concerning lhcse righls you should IlIke this paper to your lawyer 011 once. If you do nol havc II IlIwyer or cllnnolllfford one, go to or telephone the office set forlh above. ALL THAT CERTAIN tract or parcel of land and premises, siluale, lying IInd being In the Townsbip of Lower Allen in the Counly of Cumberland and Commonwealth of Pennsylvania, more particularly described as follows: BEGINNING at a POinl on the westerly side of LocuSl Slreel (60 feel wide), said pnlnl being at a distance of one bundred eighty-nine and sixty-one hundredlhs (189,61) feet measured North 22 degrees 50 minules West from the inlerseclion of lhe slIid side of Locust Street with the northwesterly side of Allen Road (160 feet wide); thence cxtending on II line South 67 degrees 10 minutes Weslll distance of one hundred fifiy-nine IInd fifly-four hundredths (159.54) feet to a point; thence eXlending on II line Norlh 8 degrces 23 minutes West a distance of sixty-one and ninely-six hundredlhs (61.96) feel 10 II POlnl; thencc extending on a line North 67 degrees 10 minknutes (sic) minules EaSl a distllncc of one hundred forty- four and eight hundredths (144.08) feet to a poinl in the westerly side of Locust Strcel; .hence extending along the said side of Locust Slreet Soulh 22 degrees 50 mlnulcs EIISl, II distance of sixty (60) feet to the place of BEGINNING. BEING Lot No. 67 on Plan of Lois laid oul for Allen Pllrk Dcvelopmenl Corpornllon, called "Cumberland Park" as recorded in Plan Book 4, Page 86, Cumherlllnd Counly records. HAVING THEREON ERECTED a one SIOry frame dwelling known liS No. 206 Locust Street; being the same as surveyed by D.P. Raffensperger, Regislered Surveyor, dated April 25, 1962. UNDER AND SUBJECT to reservations and restrictions ns contained In prior deeds. BEING the same premises which Stephen Karnlchlk, widower, by decd daled Augusl 19, 1988 and recorded August 25, 1988 in the Office of lhe Recorder of Deeds in and for Cumberland County, Pennsylvania in Deed Book "N", volume 33, pagc 573, grnnled and conveyed unto James P. Strahosky and Darlene C. Slrahosky, BEING know as Tax Parcel No. 13-24-0797-191 SEIZED and taken in execulion by .he Sheriff of Cumherlllnd County 10 be sold as the property of James P. Strahosky and Darlene C. Strnhosky, mortgagors and real owners, under Judgment No. 97-3103 in lhe Court of Common Pleas of Cumherlnnd Counly, Carlisle, Pennsylvania. NOTICE is further given 10 all parlics in inlercstnnd claimllnts. A proposed schedule of distribution of the proceeds of lhe above slIle will he tiled by the Sheriff of Cumberland County, Pennsylvania on January 8, 1998 and distribution of said proceeds will be made in accordance with said proposed schedulc of dislribulion unlcss exccplions are filed thereto within ten (10) days lhereafler. 1-" >- (") "- f-- n:; '.' ~ c-. ~~~~-;, UJr~ ?€~~: I - - ~. "- "0; ;~~ w--'- 9'" G v; :>...} oc,~ I ':~:2 u.I..... ..--'., 1 C- . ~ ~ U u:~.C L,J .:)0- r;:. u: ,- t'__. r- '3 0 tJ' (..) >- ':"J '- q~ r- .~ " ~),.,. f-u G IJJC: ~:- :- '; '.:S: i ..- -.'~:~ ll_,1 ,~ ....,-. 2' .~ :;: c:' If') , ~ ') ell: ',-. I "0." L.:.JlJ ",--.., --\v 1'_ -,j:.] G: " W ~~a: F II, 1'. I- :,) 0 a- U >- C') "- a- f-- . "" ,~ 1-= C UIQ t'-.'5 ::~ ( ,....:. (( , :.:;: '.-':.l ..- "r --.....0: 9(~ 'I) .,;2 ar~~ Gi... I _J a:!" n.. (!.!(iJ r::.: ILl :E!~i.. V; ". t- => 0 0' () .. ALL THAT CERTAIN lract or parcel of land IInd premises, siluale, lying and being in thc Township of Lower Allen in lhe Counly of Cumberland and Commonweallh of Pennsylvania, more parlicularly described as follows: BEGINNING al a poim on the weslerly side of LocuSl Slreel (60 feet wide), said point being at a distance of one hundred eighty-nine and sixty-one hundredlhs (189.61) feet measured North 22 degrees 50 minules Wesl from the inlerseclion of lhe said side of Locust Slreel with the northwesterly side of Allen Road (160 feet wide); thence extending on a line South 67 degrees 10 minules Wesl a distance of one hundred fifty-nine and fifty-four hundredlhs (159.54) feel 10 a poinl; lhence extending on a line North 8 degrees 23 minules West a dislance of sixly-one and ninely-six hundredths (61.96) feet 10 a point; thence extending on a line North 67 degrees 10 minknutes (sic) minutes Easl a dislance of one hundred forty- four and eight hundredths (144.08) feet to a poinl in the weslerly side of Locust Street; thence extending along the said side of Locust Streel South 22 degrees 50 minutes East, a distance of sixty (60) feet 10 the place of BEGINNING. BEING Lot No. 67 on Plan of lois laid out for Allen Park Development Corporation, called "Cumberland Park" as recorded in Plan Book 4, Page 86, Cumberland County records. HAVING THEREON ERECTED a one SIOry frame dwelling known as No. 206 Locust Street; being the same as surveyed by D.P. Raffensperger, Registered Surveyor, dated April 25, 1962. UNDER AND SUBJECT to reservations and restriclions as contained in prior deeds. BEING the same premises which Slephen Karolchik, widower, by deed dated August 19, 1988 and recorded August 25, 1988 in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania in Deed Book "N", volume 33, page 573, granted and conveyed unto James P. Slrahosky and Darlene C. Strahosky. BEING know as Tax Parcel No. 13-24-0797-191 SEIZED and taken in execution by the Sheriff of Cumberland County to be sold as the property of James P. Slrahosky and Darlene C. Slrahosky, mortgagors and real owners, under Judgment No. 97-3103 in the Court of Common Pleas of Cumberland County, Carlisle, Pennsylvania. NOTICE is further given 10 all parties in interest and claimants. A proposed schedule of distribution of lhe proceeds of the above sale will be filed by the Sheriff of Cumberland Counly, Pennsylvania on January 8, 1998 and dislribution of said proceeds will be made in accordance wilh said proposed schedule of dislribution unless exceplions are filed thereto within ten (10) days lhereafter. " >- (0') >- (~ ~~ ~ IJJ~! 8 2;0 <-." 0'-:. <;: .' '-(,.' .: ~ l:t:;t "".!: :-,-:.i ~'- ~ '~~ ,: ,n -'r,"", I. 1.:. , ur..J I u;';-: Et~~) ~ .'.!itJ 1': w (':jtL. VI ~ II. t- :::> 0 en u MELLON BANK, N,A" formerly The Commonwealth National Bank, agent for Corestates Bank, N.A., Trustee for Pennsylvania Housing Finance Agency, Assignee, Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY , PENNSYLVANIA v. : NO. 97-3103 JAMES P. STRAHOSKY and DARLENE C. STRAHOSKY. Defendants : CIVIL ACTION - LAW : MORTGAGE FORECLOSURE CERTIFICATE OF SERVICE PURSUANT TO PA, R.C.P. 3129.2(clC2) AND NOW, this.41b day of September, 1997, Craig J. Staudenmaier, Esquire, of the firm of NAUMAN, SMITH, SmSSLER & HALL, attorneys for Mellon Bank, N.A., Plaintiff, hereby certifies that he served the person(s) listed below whose name appears in the Affidavit filed in this proceeding pursuant to Pa, R.C.P. 3129.1 attached hereto as Exhibit "A", with the Notice of Sale and legal description of the property to be sold also filed in this matter, attached hereto as Exhibit "B", by depositing the same in the United States Mail at the Post Office in Harrisburg, Pennsylvania, first class, with certificates of mailing (postal forms 3817) and contained within envelopes bearing his return address. A copy of the certificale of mailing is attached hereto and marked Exhibit "C". Cumberland County Tax Assessment Office One Courthouse Square Carlisle, PA 17013 Pennsylvania Housing Finance Agency 2101 North Front Street P.O. Box 15530 Harrisburg, PA 17105-5530 THIS NOTICE IS GIVEN PURSUANT TO RULE 3129.1 OF THE PENNSYLVANIA RULE OF CIVIL PROCEDURE. THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF YOUR PROPERTY. IT HAS BEEN ISSUED BECAUSE MELLON BANK, N .A. HAS ENTERED A JUDGMENT AGAINST YOU. IT MAY CAUSE YOUR PROPERTY TO BE SOLD OR TAKEN TO PAY THE JUDGMENT. YOU MAY HAVE LEGAL RIGHTS TO PREVENT YOUR PROPERTY FROM BEING TAKEN. A LAWYER CAN ADVISE YOU MORE SPECIACALL Y OF THE RIGHTS YOU MAY HAVE. IF YOU WISH TO EXERCISE YOUR RIGHTS, YOU SHOULD DO SO IMMEDIATELY. IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE OR YOUR RIGHTS REGARDING THE SALE OF YOUR PROPERTY, YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, YOU SHOULD GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO AND OUT WHERE YOU CAN OBTAIN LEGAL HELP. Cumberland County Lawyer Referral Service Court Administrator Cumberland County Courthouse Carlisle, Pennsylvania 17013 Telephone No: (717) 240-6200 YOU MAY HAVE THE FOLLOWING LEGAL RIGHTS IN THIS PROCEEDING: I. You may file a petition Wilh the Court of Common Pleas of Cumberland County to open the judgment if you have a meritorious defense against the person or company that has entered judgment against you. You may also file a pelition with the same Court if you are aware ofa legal defect in the obligation or the procedure used against you. 2. After the Sheriffs sale you may file a petilion with the Court of Common Pleas of Cumberland County to set aside the sale for a grossly inadequate price or for other proper cause. This petition must be filed before the Sheriffs Deed is delivered. 3. These rights must be asserted by filing a petilion or pelilions raising the legal issues or rights mentioned above wilh the Court of Common Pleas of Cumberland County located in Carlisle, Pennsylvania. If you have any questions concerning these rights you should take this paper to your lawyer at once. If you do not have a lawyer or cannot afford one, go to or telephone lhe office set forth above. ALL THAT CERTAIN lract or parcel of land nnd premises, siluale, lying and being in lhe Township of Lower Allen in the County of Cumberland and Commonweallh of Pennsylvania, more particularly described as follows: BEGINNING at a point on the westerly side of Locust Slreel (60 feet wide), said point being at a dislance of one hundred eighly-nine and sixly-one hundredlhs (189.61) feet measured North 22 degrees 50 minutes Wesl from lhe inlersection of lhe said side of Locust Street with the northwesterly side of Allen Road (160 feet wide); thence extending on a line South 67 degrees 10 minutes West a distance of one hundred fifty-nine and fifty-four hundredths (159.54) feet to a point; thence extending on a line North 8 degrees 23 minutes West a distance of sixty-one and ninety-six hundredths (61.96) feel to a point; thence extending on a line North 67 degrees 10 minknutes (sic) minutes East a distance of one hundred forty- four and eight hundredths (144.08) feet to a point in the westerly side of Locust Street; thence extending along the said side of Locust Street Soulh 22 degrees 50 minutes East, a distance of sixty (60) feet to the place of BEGINNING. BEING Lot No. 67 on Plan of Lots laid out for Allen Park Development Corporation, called "Cumberland Park" as recorded in Plan Book 4, Page 86, Cumberland County records. HAVING THEREON ERECTED a one story frame dwelIing known as No. 206 Locust Street; being the same as surveyed by D.P. Raffensperger, Registered Surveyor, dated April 25, 1962. UNDER AND SUBJECT to reservations and reslrictions as contained in prior deeds. BEING the same premises which Stephen Karolchik, widower, by deed dated August 19, 1988 and recorded August 25, 1988 in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania in Deed Book "N", volume 33, page 573, granted and conveyed unlo James P. Strahosky and Darlene C. Slrahosky. BEING know as Tax Parcel No. 13-24-0797-191 SEIZED and taken in execution by the Sheriff of Cumberland Counly to be sold as the property of James P. Strahosky and Darlene C. Strahosky, mortgagors and real owners, under Judgment No. 97-3103 in the Court of Common Pleas of Cumberland County, Carlisle, Pennsylvania. NOTICE is further given 10 all parlies in interest and claimants. A proposed schedule of distribution of the proceeds of the above sale will be filed by the Sheriff of Cumberland County, Pennsylvania on January 8, 1998 and distribution of said proceeds will be made in accordance with said proposed schedule of distribution unless exceplions are filed thereto within ten (10) days thereafter.