HomeMy WebLinkAbout97-04994
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IN THE COURT OF CONNON PLEAS
OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTlON - LAW
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ADAbIS COUNTY NATIONAL BANK,
Plaint iff,
v.
DANIEL L. WITMER and JOANNE E.
WITMER, husband and wife,
Defendants,
and
GERALD L. GOLDEN and EDNA J.
GOLDEN, husband and wife,
Terre Tenants.
Action in Mort~a~e Foreclosure
COMPLAINT
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BrGHAM 8c PuHL
ATTORNEYS AT LAW
ADAM. COUNTY NATIONAL. e...NK BUILDINQ
141 LINCOLN SQUARE
GETTYSBUAO, IDENNSYLVANIA .73215
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'f/LED-OmCE
-OF TI'[ rp(lTf-iONOT,IRY
cn Sr:p '6 PH 3: 14
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3. If tht" MtlrtKI1Kllr8 hll to In'Rlntll1n 1'I111dl 1n.urlllll"~ l;'IlVl"rtIK~ ur fnil tu 110)' 'lnY
of the durt",nld tOXIH&, nl'lll'l'IHmentH, dlllrKt"H, l'll1LIM or l!'llclJlnhrillll;'UH un or b.fure the
reape..:tLvI dUif dates thtlruof, then.MortKRKo", "hllll IlIlve till'> optlon of pa)'ing thl' IIRme or .tllY
thereof, and upon auy "lIch payml'nt by the MIlrtK4RtlI!l the nmount thl'rl'uf I'Ihllll 4lJtllmaticnlly
be addtd to nnd b...cum. II part n,r thl' I)rlnclrnl IInll "hill I 1H'''r tnt.n..t hum the t1me the
lInmB L. lit) "ddfd ~u tlw prtnt:lplll nt till' nHtI thl'n In l'fr,','r. lIJllh'r t.h" tl'rtrllt IIf H/1111 Nutl'.
4. [f the MortKnKou fAll to I'RY Any Inl'lUllm.nt llr I'rtnclpal lind/or lnunltt
r.quLud by .Iid Note when the um. .hllll fall due th.U'unJer, or within the period of Hve
da)'. thudur, or fll11 tn pay any IIf the afuresa1d U)ll'S, IUtlteUmenU, charll"s, claim,
or ifncurabnnc.. on ur bel'ou the rellpeeL ive due datu thereuf or fdll to provide inaunnce
covena' I' prOVided above, th..n Rnd In Rny of lIaLd event". the Principal IInd all suma added
thereto, to"..thtr with Lntereot tu date rat the mte then In oUect under th.. terms uf ..ld
Note, and togethur ,1110 wLth 10% lIttornflYII' cumm11l8111011 un Rald Prlnc:lpal and intere.t .hall
b.~ome due find pftyoble lit the opt Lon of the MortgllRl!e, Bnd Much remedy or remedLu .. the
18\1' may now or h.reafter provide may fnrthwtth be Invoked and prullecute.d by the HortKaR..
ag_inlt the MortK"Kuu, indudlnR. b'lt not llmlted to, In Bet Lon of mouKsge foncloaure.
s. Morq~aKou henby walve All errors in lIny pruceellLltl(H, tORether ....1th fill stay
of or l)I..mptlon frum t>xftcutlon, or extenL'lion of time of payment ....hLch may be RLven by any
hw now in force. or which moy be enActed hereafter, and tOM,ethcr alKo wlth tho right of
opprai.ement, the right of lnqul~itlon and the rlKht of Appenl.
6. If, ....ithout the prior written consent of the Mortgagee, all or IIny part of the
mortgaged premL.4t1 securing laLd Note IL'I '0111, transfernd or conveyed to an)' petlton, corporR-
tion or hlal entity (hereln collert the "New OWnt!r"). other thlln the HOI:tgagon h.reln. or any
at them, the Mortgagee may. at its aole option, declare 011 lums umainlng unpaLd, includLng
internt due or accrued thereon, to be lmmedlBtely due Rnd paYllble. Thll Hortg_ltee .hall hav.
waived thill option to acr.elerat. Lf, prior to any such 8111e, tronsfer or conveyance, th. Mort.
18g.' and tho New Owner IIgree in wrltLn", thRt: (1) the creditworthln~"s of fluch New Owner 11
.athfactol'Y to Mnrtl(oMee; (2) thf' terms and conditions of Any fluch SRle, tran,,!er or conv..y"
anc. an sathfGctor)' to Hortgogeei cn the bulldlnga and improvem"l'nu covered by thLs Mort-
Rage ore In good repllir and the value of such hlU not dimLnLahed. deterIorAted or been Lm-
paired In any way alnce the date hereof, except for norm,,1 weRr nnd tear; nnd (4) the intereat
rate shall be adtu8ted to such rAtt AA MortgAgee shall require, provid.d such rllte does not
excfltd the intereat rate Hort~nRee 18 then offer Lng on new lOllntt of II tYPf IInd for purposes
dmtlar to the purpot'lle for which !CALli NutI.' wnll glvpn nA of itA mAkln~1 nnd Mort~A~...e Rnd fllIch
New Owner shall hAve eX(lcutetl /1n ^fII~umptl{)n ^grC!(lment acceptahlf.' to HortKAKel'!. Such Lnteust
rau wIll thereofter be the Lntereflt rAte for purposes of 8ubflerl'wnt Interest Mllte ChanjiJe"
baud upon the Index valuv In ef.fect 81'1 of thlt lUummptLon dllte. All other terml Bnd condL-
tlonl of lIaid Note wlll continue to h.. In full force and effect and be unmodlfLed. Upon the
execution and delivery of the written ^~reement between the Mnrt~a~ee and the New Own-rr, the
MortgaMors hereln "hall be relonfoed frllm all obU",atlons untler Aald Notft Rnd thls MortRage.
1. The MortRagors' covennntA, promises and ARreements c~ntatned in this Mo~tRage
shall be legally bind Lng upon the MortKngors. ~nd .ach of them. Bnd their rCflpective personal
representatlves, heirl, IIucc"SAnrs Bnd aSB1Kns. The MortRBgee'a rights and prlvlleRes
cont_lned ln thiA Mortg4Ke aholl Inure to the benefit of the Mortgngee Bnd its succelsora And
'IRIgne. Thi. Mor::gage shall be Kaverned b)' thlt Jaw of the Atate in whlch flBld mortlBged
premi.es are locBted. If lesa thAn two Mortgagors shAll ~LRn thts Mortgage, 411 cov.nants,
prom!s.s and BITeementsl which Are drawn in the plural, shBll be deemed to be in the s\ngular.
PROVIDED AI.WAYS, NEYERTHEt.F.55. that If the Mort~B~ol'!l RhAll pay unto the Mortgagee
the Principal and th. Inteu"t thereon in Lhe mAnner And nt th., tlmu specLfhd in said Not..,
and Ihall in .11 reRpect~ comply with alt of the covennnlR, promises and .Kreements h.r.ln~
before contfllned. then t.his Mortgage Mhall become null and VOlfJ to all inuntl and purposes.
IN WITNESS WHEREOF. the Mortgagors have hereunto suhscribed th.iT namell .nd
affiud thelr lIealll the day And year first ahove wrltun.
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8'001 kit flCE :lUll
COKHJNWEALTH OF PBNNSYLVAHIA.
COUNTY OF York
On thl., tho /3/1, doyof (,
nntar'! nuhltr
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. 19~, b.fure mu,
19nvd ofticer. pur.un.Ll~ appeared
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nan.at L Wlt..r and 3ft."". K. Wlt..r. hi. wi'.
known to me (or latlBtoctorlly proven) to b. thl p.r8on~ who.1 nam*--I
to the within {ntHrum.nt, and acknowludaed that thav IXlIcutdd,the fl8m8
thereLn contlLned.
an lublcrlbed
for th. purpal'.
IN WI1~ESS WHEREOF, I hereunto set my hand an~ officiAL seal.
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My cOllll'llls1on explulB OIlLSIIURIJ BOlou!ftt, kI ,e lit
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t HEREBY CERTIFY that the prieta. renidence address of th~ within named Mortgagee
lat Cumberland Town.hip, Adam. County, P.nnsylvania (P. a. Box 190. CettYBburi.
'onlloylvonlo 17325). ,\ /},r'" ,) l.
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Att~ fo.r \Mor'KiJ!,o.j ,
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A~'D~, 19 . ,,'~I Rrtcordl"'s attic. of lald
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. thl 4.,."abovlil wrltt"ll.
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To:
D..mitd L. WLtmtn
D'le:._Aprtl 17. 1997,
11 Bil! Oak R"ad RE: Mong.ge L.oan No, _.2~51887____
Dillsbur8' PA 17019
NonCE OF INTENTION TO FORECLOSE MORTGAGE
The MORTGAGE beld by Adanu County N.tional Bank (ltereinafter we, us or Ollts) on your propeny hJCaled al
408 West Keller Street. Mechanlcsbu!:il...!!'lf.'ul!h. Cumberl.md C,'unty, PA
IS IN SERlOUS OEFAULT IHcaus, you M' /Wr fIIIJd, th, /1IIJn/hly pay""n/S of' 448,38
Februarv. March and Apri I 1997 ,
Ule cbaraes or olber cbat&es bave aI.so accrued to this date in Ille amounl of , 26 . 90
Ibis defaull. or in olber words. ael caupI up in your paymenu. a.s of Ille dale of Ibis leiter, is ,
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for 1M moNIu of
The tolal amounl now required to ewe
1.371,04
You may CUrt rhis ufl1JJll wilhin THIRTY (30) DA Y3' of 1M do., of lhis I,rr". I1y paying to us th, abOVl amouns of S I . 372 . 04 ~
p/w any addiIiONJl molllhly paymmu and 1m, charglS which may fall "", during lhis p,riod. Such payment mWI be made eilber by wb.
cubler's cbeck. cenltled check or DIOncy order. and made al any orne, of Adams County National Bank.
If you do nol cure Ibe defaull wilbin TIllRTY (301 DAYS. w, (n/,nd ro ,,,,rcls, our righl to acClurar, 1M mortgag' pay_nu. Thla
means dial wbalever is owinl 011 !be orilllnal amounl borrowed will be considered due immediately and you may lose Ille cbanee 10 payoff
!be oriainaI monaaae In molllbly insrallmenu, If full paymenl ot Ibe amoum of defaull is nol made within TIlIRTY (30) DAYS. w, also
In/,nd to IIISIrUCt our altonwys to srart a IilwsuJr to fo"c/os, your /1IIJrtgag,d prop'rty. If rM mortgog' Is fort,!os,d your mongaged
propmy will be sold I1y w SNrifflo pay offw mollgag' d,bl. If w.. reter your case to our attorneys. bUI you cure Ibe detaull betore !bey
bealn lelal proceedinas aaainsl you. you will still bave to pay Ille reasollllble anerney's tees. acnWIy lncurred. up to SjO,OO, However,
illepl prnN_tlow, ue starII:d apinsl you. you will bave to pay !be reuonable anerney's fees even if Illey are over SjO,OO, Any attorney's
fr:es will be added 10 wbarever you owe us. whicb may aI.so ill:lude our reasonable casu, If you cu" 1M dt/1UA1l within 1M thirry dtJy p,riod,
you will nol be "qulrtd 10 pay altonwy 's fils,
We may also sue you personally tor Ille unpaid principal balance and all olller sums due under Ille monaaae, It you have nOI cured !be
dellwlt wiIbin lbe Ibirty day period and toreclosure proceedinis bave begun, you slill M' 1M righl ro cu" rM d'faull and prlll'N 1M soli
all1/fY Iinw up 10 OM hour bqort 1M Shlrlff's fOrtc/osurt saU. You I1UlY do so I1y paying rM lotal amoWII a/1M unpaid monthly paymlnts
p/w 0/1)1101, or OIhtr cltartu Ihtn duI. as ""U 41 W rtaronabl, altOr1llY'S filS and casu ,01flllC/,d wilh 1M /o",losu" soU and ptrfonn
allY otMr "quirt_NS WIT 1M mortgag,. It is estimated thai Ille earliest date lIlal sucb a Sheriffs sale could be beld would be
appr~ximalely Ju I y 1997 , A notice of Ille dare at Ille Sheriffs ''IIe will be senr 10 you betore Ille sale. Ot
course. !he amounlnceded to cure Ille aetaull will increase Ille longer you wail. You may find OUI al any time exactly wballlle required
paymetll will be by calliq us alllle toUowing number: (717) ;28- 1604 . This paymcnl musl be in wh, cashier',
cbeck, cenltled cbeck or moncy order and made payable to us al any ornce ot Adams County National Bank.
You sbouId realize dxu a Sheriff's sale wiU end your ownenblp of lbe mongaaed propeny and your ripllO remain in il, If you collliwe
10 live In lbe propeny aIler!be Sberiff's sale, a lawSuil could be started to evicI you,
You bave additional ripu to belp protect your inleresl in Ille propeny, YOU HAVE TIlE RIGHT TO SELL TIlE PROPERTY TO
OBTAIN MONEY TO PAY OFF TIlE MORTGAGE DEBT. OR TO BORROW MONEY FROM ANOTIlER LENDING INSTmmON
TO PAY OFF TIllS DEBT, YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER TIlE PROPERTY SUBJECT TO THE
MORTOAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME TIlE MORTGAGE DEBT, Pll.OVIDED THAT ALL THE
O\!l'STANDINO PAYMENTS. CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT TIlE SALE, AND
THAT TIlE OTHER REQUIREMENTS UNDER TIlE MORTGAGE ARE SATISFIED, CONTACT US TO DETERMINE UNDER
WHAT CIRCUMSTANCES nus RlOHT MIGHT EXlST, YOU HAVE TIlE RIGHT TO HA VE TIllS DEFAULT CURED BY ANY
TIlIRD PARTY ACTING ON YOUR BEHALF,
q you cllr. 1M tUfaull. 1M mongo" will be reslorld 10 1M Saml pasilion as if /W dlflUAll had occurr,d, However. you are nol eoIided
to Ibis rilllllto cure your defaull more !ban three times in any calendar year,
"-Copies alSl) sent to mnrtgaged premises eH:
408 West Keller Street
Mechanicsburg, PA 170);
ADAMS COUNTY NATIONAL BANK
Exmfl r'r II
By:
Susan M, Saylor
DelinqueDl Loan and Foreclosure AdmilIJs~
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~ ADAMS (Xli
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Daniel L. Witmer
408 West Keller Street
Mechanicsburg, PA 17055
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2 I 8,~ Oak R"ad
Dau:: April 17. 1997
RE: MOl1&aae loan No, 76~2887
To:
Daniel L, Witmer
Dill.burg. PA 17019
NOTICE OF INlEm70N TO FORECLOSE MORTGAGE
The MORTGAGE beld by Adams Counl}' National Bank (hereinafter we, U5 or ours) on your property locau:d at
408 West Keller Street, Mechanic.burl/; 8<ltoUl/;h, Cumberland County, PA
IS IN SERIOUS DEFAULT b,caJU' you hav, 110/ mad, 1M monlhly paymJIrus oft 448 , 38 lor 1M morulu of
Febr\!i!ll. March and Aor i I 1997
&.au: chargea or odler charBea have ala<> accrued 10 tb.i5 dau: In the amount of t 26 , 90 , The lOW amountDOW required 10 cure
tb.i5 default, or in other word.!, get cauahl up in your paymenu, U of the date ot lhLs leller, is ~ 1 , 372 , 04
You may cur' lhis dejDJJ.1l wilhin11llRTY (10) DArs a/1M dm, o/Ihis I,ntr, by paying 10 W Ih, obOY' anwlUll 0/$.L.37 2,01,
pluJ any addilionoJ morthly paylllUllS and Wt chargts which may fa/l du, during 1m p.riod, Such payment must be made either by cub,
cubier's check, certified cbeck or mouey order, and made al any office ot Adams County National Bank,
If you do DOt cure 1he default within THIRTY (30) DAYS, w, iru'M 10 c.ctrru, our righllo IUctlitrat' 1M mongag, paymmu. Thla
mcaos l!laI whaa:ver is owing OIl !he orlaina1 amount borrowed will be considered due Immediau:ly and you may lose the cbaDee to payoff
!he ori&iDal DlOl1&age in monthly inatallmenu, If tulI payment at 1he lIlI1OII1ll at defaull is DOl made within TIllRTY (30) DAYS, Wlr Dbo
inl'M 10 illJlrUCI our onorneys 10 sIan 0 lawsuillO fortcws, your mongagtd prop'rry. If 1M mongog' is fortc/OJId your mongOlId
proptrry wi/llM sold by rhI Shtrifflo pay oJItJw mongOl' dtbl, If we reter your case 10 our allOrneys, but you cure 1he default betore they
begin legal proceeOOl,g5 against you, you will still have 10 p_y 1he reasonable allllrney's tees, acrua1ly incurred, up 10 $50.00, Howeyer,
if legal proce""irog' are star1td againal you, you will have 10 pay Ille reasonable allOrney's fees even if Illey are over $SO,OO. AnyallOmey's
tees will be added lD whalever you owe \15, wbich may also irx:lude our reasonable COSLS, lfyou CUrt 1M d#ftmll wilhinlM lhirry day p'riod,
you wi/lllOl b, rtquirtd 10 pay onomey 's /.tS,
We may also sue you personally tor the unpaid principal bal:ince and aU other sums due under the mangage, If you haye DOt cured the
del2u1l w\Ihin the IItiny day period IIId !'oreclosure proceedings have begun, you stl/l hav, 1M righllo curt 1M d#faull and prIY,nllM J/JU
at any tJnw lip 10 OM hour btfort rhI SMriff's /ortcwsurt salt, You may do so by paying 1M 100aI anwlUll O/IM rurpoid molllhly pay-
pluJ any /at, or OlMr chargtS IMn diu, 41 ~U OJ 1M Tlasonoblit onorney's fitS IllJd COslJ COnNClld wilh 1M fOTlcloJru, salt and plrforrn
any DlMr r'quirtIMnls wrder 1M mongag', It i5 estimau:d that the earliest dau: thaI such a Sheriff's sale could be held would be
approximately Ju I y 1997 , A DOtice at the date of the Sheriffs s'l1e will be sent 10 you before 1he sale, Of
course, the amountllCeded 10 cure Ihe default will increase the longer you wait. You may find out at any time e;ucdy whal1he required
payment will be by ca1lina 115 at1he foUowing number: ( 7 1 7) 528- 1604 , This payment lIIII51 be in cash, cashia's
check, certified check or IIlOney order 1nd made payable 10 115 at any office of Adam5 Coumy National Bank,
You should rea1ize thal a Sherift's sale will end your oWlllrsbip of the OlOl1&agcd property and your riahtlO remain in it, If you contiJJue
to live in 1he property after the Sheriff's sale, a lawsuit could be sraned 10 evict you,
You have addilioaal rights 10 help ploleCt your inter,st in 1he property, YOU HAVE nlE RIGHT TO SELL TIlE PROPERTY 10
OBTAIN MONb"Y TO PAY OFF TIlE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTrrUTION
TO PAY OFF nus DEBT. YOU MAY HAVE TIlE RIGHT TO SELL OR l'RANSFER THE PROPERTY SUBJECT TO TIlE
MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT Al.L TIlE
OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT TIlE SALE, AND
THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED, CONTACT US TO DETERMINE UNDER
WHAT CIRCUMSTANCES nus RIGHT MIGHT EXIST, YOU HA VB THE RIGHT TO HA VB THIS DEFAULT CURED BY ANY
THIRD PARTY ACTING ON YOUR BEHALF,
lfyou ,"r'IM d#fDJJ.ll, 1M mortgag, will bt rtJIoTld 101M Saml position 4IlfM d#f(JJ,lIlMd accu",d, However, you are DOt entided
10 lhLs right 10 cure your default more than three times in any calendar year,
""Copies also sent to mortgaged premLses at:
408 West Keller Street
Meehan ic .burg. PA 11055
ADAMS COUNTY NATIONAL BANK
By: 1, /~ ,./>1 J:',J:-r_
Susan M, Saylor ' ,-,/
DeliDqulnt Loaa and Foreclosure Adminlarna
To; _-!.l,l..lnrtt-' E. WltllJllr
Dal<:__ April 17,1997
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11 8 'g O~k Ro,jd
RE: Monaage Loan No,
7651887
-Yi.!.l s b ~Ea.",l' ^ ,__~!g!.~.__._u_____________ ___
NOTICE: OF INTENTION TO FORECLOSE MORTGAGE
The MORTGAGE held by Adanu Counl)l National Bank (hmlnafler we, US or ours) on your propeny localed al
408 W~st K~Lter Street. BtlrllUih of Mechdnicsbura. Cumberldnd Clluntv. PA
IS IN SERIOUS DEFAULT btcause you have lWr madt Ihe lTllJ"'hly pay""''''s ofL.A48. 38
Febru~rv. M~rch ADd Aoril 1997
Lare charaes or oll1er charaes bave also accrued 10 Lhis dace in lheamowu of 1-26.90 _
this default, or in other words, ael cauabl up b your paymenlJ, as of the dal< of this leller, iJ ,
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for 1M m01ll1u of
The IOta! amounl now required 10 cure
1.172.04
You may cu" lhis defoulr wilhin THIRTY (10) DA YS of 1M dare of lhis Itlltr, by payi.g 10 us tht abOVt IJ/7II)UIll of $ I, 372 ,04
pllu any addirioMl I1llJN/rJy paymt1llS ond IDIt t'hargts which may fall @e @ring lhis ptriod, Such pa)'lllOnt mU.n be made either by cub,
casbier's cbeck, certitled check or money order, and made al any office of Adams Counl)l National Bank,
u you do DOl cure the defaull within THIRTY (30) DAYS, we I"'tnd ro txtrdst o"r righi ro accturoSt 1M I1llJngagt payflll1l1S. 'IblI
meaos thal wharever iJ owina 011 die OrialDallllllOWU borrowed will be considered due Immediacely and you may lose the cbanee to payoff
Ibe ori8iDaJ monaaae in molllhly installmclllS, U full payment of the amoum of defaull iJ 1101 made within THIRTY (30) DAYS, we also
i1l1tlld 10 instruct our anorMys 10 sIan a IawsuillO fortc/ost your I1llJngagtd propmy, If 1M ITllJrrgage is fOrtclosed your mongaged
propmy ....// t. sold by tht SNrif/lo pay of/lht I1llJrrgogt debl, If we refer your case 10 our allOmeys, bul you cure the defaull before lbey
beain leaal proceedinas aaainsl you, you will still bave 10 pay the reasonable allOmey's fees, actually incurred, up to $jO.OO, However,
if leaal proc:eedinas are sWlEd aaainst you, you will bave to pay Ibe reasonable anomey's feos even if Ihcy are over $jO,OO, AnyallOrooy's
fees will be added 10 wbab:ver you owe us, which may also in:lude our reasonable COSlJ, If you CUrt lhe dqOJ.//J wilhin 1M lhiny day ptriod,
you will/lDl be rtquirtd ro pay arrorMy 's fus,
We may also sue you persooally for the unpaid principal balance and all other sums due under the monaaae, If you bave nol cured the
dct.wlt wid1in the tbiny day period and foreclosure proceedinas bave beaun, you srill lurvt 1M righi 10 CUrt tM dtfou/J and pr..t1l1lM sa/6
at any IInw up 10 OM hour btfort tht Sherif/'s fortcwsurt ,ak, You may do so by paying tM 101allJ/7ll)/W of lhe unpaid lTllJ"'hly paymmI.S
pllu I1IrJ lolt or OINr chorga Ihtn due, OJ well as tht rtOJonoblt anorMy 's ftls ond COSIJ cofllltcttd wilh 1M fortclosuTt salt and ptrtonn
aIrY OlMr rtquirtlMfIl3 under lhe mongagt, II iJ estimaced thaI the earliesl dace thaI such a Sherilf's sale could be held would be
approximalely J u 1 v I 99 7 , A notice of the dal< of the Sheriff's sjlJe will be senllO you before the sale, Of
course, the amounl ne:ded to cure the defaull will increase the longer you wail, You may find OUI ar any time exactly wbal the required
paymelll will be by callina us al the foUowina number: (7 17) 528,. 1604 _, This paymenl must be in cash. casbier's
cbeck, cenifled check or mooey order and made payable to us at any office of Adams Cowuy National Bank,
You should realize Ibat a Sheritf's sale will end your ownership of the monllalled propeny and your rlabllo remain in it U you comiJaJc
to live in the propeny after the Sheriff's sale, a Iawsuil could be started to evicI you,
You bave additiooal riabll to help prOltCI your interesl in the propeny, YOU HAVE THE RIGHT TO SELL TIlE PROPERTY TO
OBTAIN MONEY TO PAYOFF TIlE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION
TO PAY OFF THIS DEBT, YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE
MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE
OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAlO PRIOR TO OR AT THE SALE, AND
THAT THE OTHER REQUIREMENTS LINDER THE MORTGAGE ARE SATISFIED, CONTACT US TO DETERMINE UNDER
WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST, YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY 1u'iY
THIRD PARTY ACTING ON YOUR BEHALF.
If you CUrt 1M dtfOM/J, 1M nllJngagt will bt rtJloftd 101M Samt pOJiriOll as iflW dtfOJ.//J had occurred, However, you are DOl elllided
to this riabllO cure your defaulllDOre than three limes in any ~a1endar year,
*Ctlpies ctLSl) sent r:l) ml)rtgdg~d premi!it's dt:
408 West Ke II.. St reH
Mechdn,csburg, PA 17055
ADAMS COUNTY NATIONAL BANK
F\ 1-1':,,0
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By: --,--,
Susao M, Saylor
Dellnqucnl Loan and Foreclosure AdminisUllDf
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PORWARIJING 8< AI>I>RI;SS CORRECI'\ON Rf.l,1I1ESTf.I)
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Joanne E, Witmer
408 West Keller Street
Mechanicsburg. PA 17055
MOj:O. NOT FOHWAlWAfll,E _, _ VAl:ANT _
M~O.lm Nil M'!lli[:i';. IINClAIMED_
AOORESSff "1,:\,',,,;, )< IILfIlSEO
NO SUCH ~IJMi>, (, M.'IL RlCEPTACU.--.
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Il"OElIYERABlE AS AOORES:ifJl
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To: JOclnnt! E. Witm~r
Dale: _.
April 17, 1997
21 Big Oak R,)dd
RE: MonlaBe Loan No,
7652887
DillsburR. PA 17019
NOTICE OF INTENT/ON TO FORECLOSE MORTGAGE
The MORTGAGE held by Adams COWl!}' National Bank (hmlnafter we, us or ours) 00 your property localed al
408 W"st KellH Stre"t, B"n)U2h "f Mechanicsburw, C.!.llIll1llland C,)untv. PA
-
IS IN SERIOUS DEFAULT btelULle you hJJVllIDr madelh. IIIDfUh/y payllllfUS of' 448, 38 for 1M IIIDfUN of
F"bruarv. March and April 1997
UIIl charges or olber charBes have also accrued 10 this daIC in the BmOWlI of , 26.90 . The IOtal amount now required 10 cure
this default, or in other wordJ, Bel cauBlll up in your paymenlS, a.s of the daIC of this lener, is' I ] 7}. 04
You may cu", lhis dt/oull wilhill 11llRTY (10) DA YS of 1M dou of lhis Itlltr, by payillg 10 us Ih. abovt anwlUll of $ I, 372 , 04 ,
plus 0II'j addi1tonoJ fllt)rrlh/y pay/lllNJ ond lau chJJrg.s which may fall due durillg lhis p.riod, Such paymeDl mUSI be made either by cash,
cashier's check, cerTlJled check or money order, and made al any office of Adams Cowuy N.tiollJll Bank.
If you do DOl cure the defaull within THIRTY (30) DAYS, w. IfU.nd 10 u.rds. our righllo acceurat.IM mcrrgag. payfMflSS, ThIa
_ dial wbalever is owlna OIIlbe oriainal amount borrowed will be considered due Im....."lar.ely and you may lose the chance to payoff
lbe oriainaI monaale in montbly installments, If full payment of the lIIDOIIJlI of defaull is DOl made within mlRTY (301 DAYS, .... aho
Im.nd 10 Instruct OUT aIIOT/IIYS 10 Slarr a lawsulll. fortelos. your fllt)rrgag.d prop.rty, If 1M IIIDrrgag. Is foreclosed your IIIDrrgllZtd
property will be sold by 1M SNrifflO pay offlM mortgage d.b/, If we refer your case 10 our attorneys, but you cure the defaull before lbey
begin lelal proceedJ.nas aBainsl you, you will still have to pay the reuonable anerney's fees, acrualJy incurred, up to 150,00, However,
illegal proceedlnas al'll star12d apiost you, you will have 10 pay die reuonable anorney's fees even if they are over $50.00, AIJyanerney's
fees will be added 10 wbarever you owe us, which may also include our reasonable coSlS, If you CUrt 1M tUfouts wilhilllM lhirty day p.riod,
you will 1101 b. ",qulrtd 10 pay aIIoT/IIY 's fets,
We may also sue you personally for the unpaid principal balance and all other sums due under the DlOrtgage, If you have nol cured tbe
del3u1t wiIhin !be dliIty day period and fOleclosure proceedinBs have begun, you sltll hav.IM righllo CUrt 1M dt/outs and prev,fU 1M sa/6
at 0II'j tinw up 10 OM hour btfort 1M Sheriffs foTtclosure Jal,. You may do so by paying /M 100al anwlUll of 1M unpaid fllt)1llh/y payl/llflSS
plus 0II'j /1116 or atMr dtargu IMII dsu, ILl WIll as 1M reasoNIbI. aIIOT/IIY'S fets and costs cOnMCI,d wilh 1M forecfosure sa/6 and ptrfoml
any OIhIT rtqulrtfMflSS UlIikr 1M fllt)rrgag., It is eSUmaled lhal the earlieSI dale WI sw:b a Sheriff's sale could be held would be
approximaICly Ju t v 1997 . A notice of the dale of the Sheriff's Jjlle will be seOllO you before the sale. Of
course. the amounl needed 10 cure the defaull will increase the longer you wail, You may find out al any time e:ucdy wbal the required
paymeol will be by ca1l.ing us al the foUowing number: ( 717) 528- 1604 . This paymenl mwl be in cash, cuhier's
cbeck, certiti.ed check or money order and made payable 10 us al any office of Adams COIlIlIy National Bank,
Yau sbouJd realize thai a Sheriff's sale will end your ownership of the IDOnlaged property and your rigbllO temain in it If you coDliDle
to live in the propeny after the Sheriff's sale, a lawsuil could be slarled 10 evicI you,
You bave additional rigblS 10 help proleCl yollS iolC/esl in'be property, YOU HAVE mE RIGHT TO SELL mE PROPERTY TO
OBTAIN MONEY TO PAY OFF "!lIE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION
TO PAY OFF THIS DEBT, YOU MAY HAVE mE RIGHT TO SELL OR TRANSFER mE PROPERTY SUBJECT TO THE
MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME mE MORTGAGE DEBT, PROVIDED THAT ALL THE
OUTSTANDING PAYMENTS, CHARGES AND ATIORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND
THAT THE OTHER REQUIREMEN"CS UNDER mE MORTGAGE ARE SATISFIED, CONTACT US TO DETERMINE UNDER
WHAT CIRCUMSTANCES nus RIGHT MIGHT EXIST, YOU HAVE mE RIGHT TO HAVE THIS DEFAULT CUllED BY A.'fY
THIRD PARTY ACTING ON YOUR BEHALF.
If YOM CUrt rM d(/auJI, 1M IIIDrrgag, will be TlSlored 101M SIJ/M posiltoll Q3 if lID ih/oul1/tad occu",d. However, you are DOl elllidold
10 this rigblto cure your default more lban three times in any calendar year,
*Copies also sent to murtgaged premises at:
408 West K" ller Street
Mechanicsburg, PA 17051
ADAMS C:;OUNTY NATIONAL BANK
,/ '/
By: e.,~
/ Sus.an M, Saylor ,
Delinquenl Loan and Foreclollll'e AdmillIstrllOf