HomeMy WebLinkAbout97-05367
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5, On or about March 4. 1980. Kennedy assigned slIld Note III1d Mortgage to PlaintilT pursulll1t
to a certain Assignment of Mortgage. A true III1d correct copy of said Assignment is marked E~hibit "B",
attached hereto III1d made a part hereof.
6. On or about November 15, 1984. Defendlll1ts. Lynn A. Row III1d Beatrice M, Row. deeded
the mortglll!e premises to Defendlll1t. Glenn E Tobermlll1. III Wld Sharen A. Tobermlll1. his wife, without the
knowledge or consent ofPlaintilf Subsequently. on May 28. 1997. Sharen A Tobermlll1 conveyed her interest
in the mortglll!e premises to Defendant, Glenn E Tohermlll1. III. Defendlll1t. Glenn E. Tobermlll1. III is now
the record III1d real owner of the mortgaged premises.
7. Defendants are in default under the terms oflbe aforesaid Note III1d Mortgage. respectively.
for, inler alia, failure to pay the monthly installments of principal and interest on said Note when due,
8. Plaintilfwas not required to send Defendant(s) Ivrillen Notice pursuant to 35 P.S. ~1680.403(c)
(HomeOlWlers' Emergency Mortgage Assistlll1ce Act of 1983, - Act 91 of 1983). prior to commencement of
this action for the reason that the aforesaid Mortgage is insured by the Federal Housing Administration under
Title II of the National Housing Act (12 U.S.c. ~~ 1707 -l715(z). 18)[35 P,S, ~1680.401(a)(3)J,
9, On or about April 14. 1997 and April 25. 1997. Defendants were mailed Notices of Intention
to Foreclose Mortgage in compliance with A,t6 of 1974. 41 P.S. ~ 101, el.seq. True III1d correct copies of
said Notices are ma.rked E~hibit "C", attached here and made a part hereof.
10, The amount due and owing PlaintilTby Defendlll1lS is as follows:
Principal
Interest to 7/15/97
Late Charges
Escrow Advance
Allomeys' Fees
Costs III1d title search
521.687,96
1.527,\9
109,14
1,031.89
800,00
2,500,00
TOTAL
$1',6!l6.18
plus interest on the principal sum (527,687,<)6) from July 15. 1997. at the rate of 57,83 per diem. plus
additional late charges and costs (including increases in escrow deficiency), III1d additional attomeys' fees and
2
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nIlIJI,.Ut',H rUNI, "'1,1.. ..nit .nll""'. I.,h' 1111.
by I"ul b.l.n'I LynnA. P.ow and Beatrice M. Na..I.
,I,vul
hi. .wife
March
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_h.tll., on. VI 11I0''', 'Wllh theinehl, ""CI,lIIllI, ..Imlnlllrllu,., 11I4 ...I"fll, nil" Ih. MU,lllao'), Ind
l<mNF.1JY t>tlRlt:ia OJ.
In,J Ullllllllllldlf' Ih... IIWI U' tJ\8 State 01:' Uw JUrlley
IlId "..villi II, IJ"n~'I~l.lll)f1l1;" U"IIOIIUfllr:1 IkId,u. III 11 A1UIQ1 1>rlve, Cluny lUll, Nw Jersey
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I . (lJ"HJUllinn Ol,llIlud
WIlN llSlil'. rll. lhllt 10 ".....",.. 'hI' pll~'m""1 uj 1:hirty two thousnnd---......-..........__....................................__
-...................-...............-..........00/100 lJoJllotlta IS 32 000.00 ), wllh Inl.,ul "um cllu., .t Ih. r.l.
ul lhirteen ~., ....nlum l 13 ~) p., unum on tlM I"'p.ld b.I'm;. unlll p.ld, II "0'
vld....' In . lIul.. III '\'l,lll d"l. h.,.\Wllh, ..Id p,lnclp.1 .nl.! inla'..l b.,nl p'~lIlJl. .llhlt ollie. 01
I'HlNl-:m mrmJilLl-: 00.. 11 AlliRun Drive I"
CJlorry 11111, NI.~ Jersey OROOl ,0' III .ueh IlIh., vl.e. .. Ih. huld., "I'Y d"'ln.11f In wrlllnl. III
nUIMhly lU,II.llmltnl. u, Three hll1dred sixtv.......---..------------..--..--.......--..____96/100 l)vll",
($ 360,96 ). L'UlnUllfllt'lna till Ih.,.111111 Il,,~ 'It Hay ,1980. and on
Ih. h'ltl,lll)' ul ......11 Inulllll 11"''''111,., unlll th!;' JlIlll('JPIlI hill.! 11I1.,ul In' 'ully 1'1I1d, "c..~1 Ihlllll1. '111111 P'~nll'lIlul
Ptlll-=IIIIII .nlllnl.'~lll. Illhll "''''''1It', ~HllII, "h.1I tUI Jut' UIIlJ 1'''~lIbl. Olllh. flllt' d.y u' April 2005
. Ind .1... lu ,."l,l~ Iht' ~lfulm'"c:' ut .11 co....n.III" IInd '1'..m."I. h.,.I" ,,'ml.lnl'd, Ih. Mortl'luf dIM' b~
Ih... p,,,,."I. b'",IIIIl. ..II, Ilv., I'.nl, .nd t.OII....y 10111. MOltl'I", AI.L Ih. lollowllll-ducub.d ,...1 ul.t.
',luIII. In Ih. Bo~ uf New o...rberland
('1111111) .., Curberlond , IInll Cummullwullh uI PUIIII.~lv.ni', II) wit:
Il/\lNCl nore r>nr'-f.cllIHrly de.cr!.h." .ccordlll/! 1<) 1.'Kal d.script!on sttsched hcreto
lInd JMdo " part h~r..O()f.
lllIS f>()RlY~ IlIUN<. Um!NlED ro BE ^ rlJR!lIA~~ t>OlEY tl1IW.,<.rn t.tIIER 'n1F. Pl1OVISIQ1S
OJ' '11IE LUll YIUORllY lAW NJ AH!NWD.
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I,MIIlon. u, ImplllVl'mltnl1 "1)*'" hl',ruIIlH nuul. hi 1I111i11'tl!lIlllll'II, II/Ill tIny 111111 nIlIIIIIIIlIlIU""", mlli hllll"Y, hnnlhllv
."d ,qulpm,nl (_h.lh.1 rlltlu,P11 0111111) IIf fillY ntltull' ..11.111111'''.' n!)"'" 'II h,u,"fl., hUfllllll.li In III III"III fUt1l1 '"l'mlul,
SIt..III. AII.y., PU1l11il'Il, Wily.. WIIIIIIl, Wlllr, ('Ull'"'., Ifltthl II , 1.111"11.., Pri.. II. I'" , 1I1'1..lHnltll'lll" flnd ^111'U,I..
,,"ne.. wh"II\.II"....' Ih.,I'IIII(<I hl'llllllt1n.. III III uny WIlIIt' 1II'I'I"IIIIIIIIIK' In,1 lit. 1..'111,,"1'11I" nll,l Ilrlllllllllh'''', Ihrlll".
I",un ,11111'/1,1111 Ihl...,,1
To ""V,. ^~Il To llol.llul,i Hrllll':1l11l11' IIlull'to1lwlly, 1II',,,,IIIAml'lI'" 11I111 I'll""""'. hroll'lly 1/.11I1111'11, 11"11(,11-
lint"d Intlllll.nrt..d IU lu b., wllh Ih.. 1I111"lllvnnnrPII, unln ""l,1 Mulllllt..... II) flllIl ftll th.. nnly 1"lIprl 11I'11' 1I1l'! hl'hutlf
III ..ht MUII..I,.I!. "".'11,0,
1'11111 IN!)lrNTUI'lr III MAn,., lu)w......', lul'lr,llnl1u' Inllll\lllll. nIVItIlItIlI". pmdlllunll, Inti "1l".'m....11I IIn.lllI..
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nol.,.t Ih. 11m." '"111 In Ih. In.nll.' Ih,,"lll Jlr.,vItJrtl, I'Ilvllp". I" ,,,11.'1,,.11 I" l,IY Ih. ,I,hllll whlll.., II' III IIn 1I1nllllnl
.q.,"' to on.. ItI mllll monlhly lI.ym.lll. \III Ih. I,nndl,nl Ih.1 III' 1I1t1l1 ,Ill. Iln Ih. nl,I" on Ih. 111111 il,'y ". AIIV Inmll"
JllloI 10 mlhulty, I1IOV~rJ.d. how....", Ihnl wllII.n n>lHu' tll IIll llll.nlhlll If) ...,<:11' 1I1.u:h Jlllvll'Il. I" Moh'rn III !tllIlIl
Ihllly (30) dlllYII pll", It) pll!~lyrr'nl.
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IQ, th. lIIonlhly p"ym.nllt o. p'lndV!l1 Ind Inl.,.,,1 plly"bl. und., Ih. I..mlt 1.)( Ih. nnl. "cullld h.,.bYI t'uv.nnnl" III
V.y tlllhl Mmtl"l'" on Ih. 1\1.1 ".y III ..r.h ",onlh uotllth. ,llleS 001. I_ 'ully 11.14, Ih. follolvlna lurn":
fill ^n .mouot .ufllc~1tfl1 10 p'o~ldl Ih. hold.' Ilt,~,f wllh fund" 10 fJ"y thll n..1 ",o,lln.. tlll'UrlnCI p,.mluln If
Ihl. murtlll' Ind \h. noli I.clu.d h.,.hy I" 10!lul.r$. Qr . monlhly ch.rlll (In II... of I mll,tllt.. InIU,I'II'lC"
",.mtum) If they'" h.ld by Ih. SKIl!II"~ nflllluflhl" IUltl Utllln Uevltlupm.nl. filii follow"
(I) " .nd 110 lonl "" ..ld nol. 01 .v.n ,1.1. .nd Ihlll 11lIHI.",. .,. Inlulld 0' .... ,.lnlllllf,,1 un,l.., Ihl pmvl.
IIlnM of Ih. N.llon.lllllu.~n. ^ct, 1111 "nltluol ."Wd.nl 10 IcCllmullll'l In Ih. h"n,l_ 01 Ih. hold., 011.
(I) monlh I,dol 101111I du. ,Inl. Ih. 11II1uol "1Il11",,,,,. I""Ulltn,'1 pllttnlllm. In Old.. lu pl"vllh' 111Irh hobl..r
wllh fund" ", Jllly lurh IlIrmtum "' IIII' ~l'c:I.IIIIY of IIm,"II1" Ind U,IJ"n U.V~IClI"ll"nl IH/lIIUMI hi Ihll'
NIIUnnnl lIou.ln.. Arl, nil nmendl!iJ, IItllll111I1I1I:""hl. r...ulllllnn" th...undl!l, Il'
(11)11 IntI 110 10n".1 ,,"l" nol.. or I'v.n lhllt' nnt! IlIl" Inlllrum.nl Ill. h"hI hy Ih. :;"rrrl'u')' nf IIflllllln,. "1111
Urb"n o.v.loJlm.nl, . mllnlhly dl.'II. (lrl \llll of n mCIII.111t Inlullnr:. pl.m!um) whlrh """II 1111 111 IIn
Amount .qU"'IO unt.tw.llth (1/12) 01 nOI.h"lf ('h) II.' unlll'" nllht' .....111" oul"llndlo. h,I","" du..
on Ihe nolI' cotnpull'd wllhnul I.klnllnhl .nnllnl d.lIn'lll.odllll 0' 11I.p.ymrnlll,
lit' ^ lIum .'It,.1 10 Ih. amI/lid lito", If "ny, nellt .h'll, plulI lh. p,emlum" Ihlll will nul b.r.oml! I'U. "11,1 p"y"hhl
on p"lIc1.. of (I,.. Ind olh., h....rd Inluflnre enn,lnlllltll p'.lnl... ..eu,..l hu.by. plu" 1"11"" .nri .IU"'"
m~nll nelll ctl,l' on !hit pt.ml". rov.lttd hllllhy (,II 11'1 ..lImll.d by the Mn'II"'IPII) \""" "II flum" ""udy
p.id th".'or divided IJy lh~ numbrr of moolh. 10 .IIIp" bdoll nn. (1) monlh pliol lolh. dll' whltn 'l.lIeh
"NlInd ,.nl., plllmluml, 111"1'1 ,nd ......m.nt. will breom. d.llnqulIf1l, IlIch IIumll (.l) h. h"lll by MOIIIl""If"
in lrullllo PB)! ,"Id ,tOUnd'llnll, pl.mlllmll, I..n. nnll .peel.1 11"","mltnll; ,,"d
fcl All Plym.nll m.nHIlnl'd In Ihlt two pI.eltlHOI .ubu(lionl of Ihll pIJlllllph ,"d IU pl\ym.olll In b. mAd" IIn.
d., Ih.. nole "(U,re! h"lfby .hlll b. .ddrd 10&flh., Ind Ihf 1111"111. 'mounl Ih.,.ot IIhlllll bf" p.ld by Ih.
Mo,tl",OI l'I(h monlh In I ,lnJI. PlY mini 10 be "ppll.d by Ih. MOltl"'" to Ih. followln" lI"mlll 10 Ih. OJd.,
..t fo,Ih'
(I) p'lt'mlum chlrl" und., Ihl (onll.(1 of Inllur"nce with Ih. S.ellll'''y u' IIm.l.lnl 'lI1d U,hllo U.v.loJlmMt,
01 1II0nlhly Chl'll (in lieu of morll"" Inlu,,,nc. pr.Millm), I' th. c... Ill')' bl;
(II) Iround rent., I..... 'plfCllIIl "Ullm.nt., fi,e IIInd uth., hluld Inlurlnell p't'mlulII.;
(Ill) Int.,1I1 on th. noli IKUlrd ".,.by; Ind
(IV) 'lIIollinHoo of Ih. principii of ..Id nol..
Any d.f1c'lt'ncy In Ih. .mOunt of lueh 'U,.,,,tll monlhly p.ym."t .""11. \lnl... m.dlt' ~d hy Ih. Murlr,IlRO'
prlo' to Ih. du. dll. of Ih. nlll luch p.ym.nl, con.lllull .n .v.nt of d.l.ull und.r Ihll mo,II"'P; IInd thl!
~nU,. 1II0lllllle d.M .h.1I b.curu dUI II the oplion uf Ih. hold.r h.,.of. Th. r.uu,. of thll holdfr ht',lPOf
10 ul'lcI.e thll opllon 0' Iny olh., option ,Inn "f1eund.r Ih.1l nol b. held to be" w.lv.' of .ny of Ihe
t.rm" h.,"of or of Ih. note ..cu,.d h."by. 1'he MOfI"ln lII'y collect I "1.le chlulle" nol 10 I!le..d four
nnt. tA4' for ..ell dolllu ($1) of ..ch plym~nl mnll thin Oltun (15) dlY' In Inurlllo COVil'l Ih'I'IIII" e..
p.n" InvolvlPd in hlndHnl dellnqufnl PlYm.ol',
3. If the totll 01 the p.)'mlntll mlldl b)' till Morllllor under (~) of pua.rauh :I p,ec:.dlnl .h.U I'IIcp.d the Imount
of pI)'mentl Ilctually mid. bylhl Mo,t,II" for .round lint". \..n or ......menU or Inlurlne' premiums, II the cue
m.y be. such ..c.... H Ih. lo.n II clu,enl, It the opllon of Ih. Mo,I"'lor. .h.\I be cr.dUed by Ihl! Mr)ltRdlllt on sub"p.
qu.nl paym.nl. to b. mad. by the Mo,l...OI. 0' "rund.d to the MOlt.alo" If. how,ur, the lnonlhly Il"ym'l\t-, rradl! hy
Ih. Mort"Cllr under (II) of parllllph :I prtcftdlnl .lIall not bl "ulrlcl,nt 10 pay ,round r,nl., tIUII. .nd u!4plllm.nlll,
Ind InlluranclI pumlumlt. IU HI. cu. ma)' be, wll.n th. urn. .haU b.come due II1d pIYlbl., thin th.. Mo,tll"lor IItl.l1
PlY toth" MOIl. I'" Iny amount n.cUUn 10 mike UD the d.Uel.ncy, on ur betfore lh. date whltn p.ymftnl of .ueh Irnlli1f1
"nl.. t..... u....m.nl., or-lnlUllnC'l prtmluml .h.1I be du.. If It .ny time lh. mort.ller .hall tpnd(" to Ih. Mort.".
111I. In accordanc' with the p,o,lllon, 0' Ihll nol. ..curld h.reby. full paym.nt nr th. enU,., Indebt,dnlllll fIIpr.llftnt.d
Ih."by,lh. h4nnp,u .h,lI, in .comrullol Ih. .rlIOUIU of .uch ind.~lIdn..., credillo the .ccounl 0' ,h. NOII.I,O' .11
peyrun.. lII.d. und~r Ih. pro,lllon. of (fI) 0' p.'....rh 2 hllleof.h,ch 1Ir.. Norl..... h.. not b.come obl'..lld to p,y
10 ~. S~C'r.lary of Bou.ln. II'ld Urban Vlfnlopl'ft.lu, .nd Iny blllltlCf "'1'D.inin,ln Ih. 'undlll accumulllll.d under Ih.
pro'.I.lone of. (II' of p.r.,,,ptr 2 lienal. If Ih.,f .hlll br . d~'auh uniJ.r .ny 0' Ih, plo..i.ion. nl Ihi. mou...~ ,null.
ItI. In , public ..I~ uf th. 1Il0n....d p,.mi.u, 01 if th. MoU....f acquit., Ihl p,opury o,h.nri.. .h~r c1.faulr. Ih.
Mon..... Ih.U .pply, .. ,h. d~.. of Ihf cnmfll.nc~'rl,"1 of .uch procu.un.., or u th. ,ii'll' Ihf plort'ny it olh.,..I..
Icqult.d, Ihl b.l~nc.. lIr.n 11'fII'ltl.l~'. In th. tund. Iccurlll.llu.d und.r '"' of p....,.ph :2 plfcI'din., u . cr~dil "".Inll
d'l.lmounl o. pflnc'p.llhu """lnln, un".ld undff ..id not.. IIId .hlll rrop.,I)' .diu" .ny p.ymrnn "hic~ !lh.1I
h.... bnn ",.d. und~, (., 01 JlIn.nph 2. >
eOIl! (;',1; rm li:W
~. 'l'hll' th. ,,*ull.II~"f ~1I1 I""v., 111ft ,1t11"n\lI'II"",1o nuw ..1111111 UI h....'I..' """'''1' 11,1 Ih~ 1,"'11111I'" '1,'n"IWIt
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-III.. "lIJcunllll':"lI~I'. In "lid, :lhIIM,"I, "'11"'" ."dll,...III.1t Ill' maw l,. 'l"IIII/f"IItW Y'IlIIt",;r.., atlll *.III'WV Im.w."
Iy, wh." dUIt, Illy t',emlulloll Uti IIUdl Inlll.Mnr. ,." "M~'nolhl ul ....llu.-h jllU\'i'hlll I,..u nlJl l'IlL'1I m..iJ., h.'WIl,lI"'1I1t All
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by ..."111.... .11 hllvt Ullkh"llh.,vln lOll (I.YIIlI.. rill".... i" 11I\lu, il' UIlIJ III '''"11 IL'l""llIhl.. I.. tlllt MUll"'lIl.! In
n.' of ",.. MUllillll)' .,11 KI'JU Ifl.....JI"I. 1Il,lllc. I,W 1"1Il! hJ MllIl...... .ud M.JlI..... mll~ 1t,"I,,", 1'":''' II' Iw.. I'
4ulllll.... phmlpllV bV "U",II,,", IInd ..I:h In,'".ne. lulllpllnlt l;onc:"n" I_ ".,.hV lu.lhlUluiJ 'n,llh'.LI.IIIQ n.MI..,
111I"ln.nl 'l.lI IIIL'II lu.. dll.c:llW III Murl..... In.I"111l1 I.J MII,IIlIIIO' .nd Mult...."' ,1I,"l1v, IInd tll" 11IIUllIlll'" P'U'
L"\/lll.. u, lII'y pili Ih.'.....'. mllV IJ. IIp~h-N by Morll',I,," IiII 111I 1111111I11 _"hili I.. 11111 1I'II1II"ljIJII 1,1111... IIl1h.llltld'I"11t
h."br ..,:u,.,1 u, 10 Ih. '."'11101111" 'U '.~.I' ,II Ih. 111''1'.'1)' d.mlled, 'n II", .wIIIII ul h"..rlll'II,,, U, 11111 nlLlll.1I1l1'
'.. nUI', III'nlo'", '1' 1111. 1" Ih.. ",'.Inl'.. .'Qvl'urd h.'I!I.I~' III -.'.llnlllllllm.nl ." Ih. .ud.bl,dlll.n lIe""I.:,1 hu"II)I, .11
,Ithl. 1111. 11,,,1 Inl.I.1I1 0' Ih. Mml...o. In .n" lu 'IIIW Inllll,...n('1I poIlLI.. Ihtrn IlItuf1:. Ihlollll"U h. Ih. 1"HLh..,.r,
1I'1('lInlll.,.
r;, Thul l/ill ",,"1""110111 Ilollluul ...llv, 0111)' II." 1I"lm.I.1l I.J 11.0/ I..,.. I..,ullt' ':1.011.,1 H ..1101,1, ", .., III 1,1' .'..1'.......,1
..;lIln.1 Ih. 1".11I1111111 l:U\'U.... h"'L'b)', .n.1 will ....11 ., 11,1 I" '-'II It... In ~I K.ll.1 01111.., M'I.1 . ",1.1,1.".. ~." 1I11'\, II,", ./t..
....0.1 will 111)1 Clunlllllll' Jlu'ftlll lint' 1lI...I11 uf 1II.1l11"'....II!.I.., UI,I"".,UI,h: Willi' ..nil ,.., e'''.I,h'o.I,
6. Th.1 Ih. M'IIIIlIlIl'U 1It111 III)' ..II 1i'''''II., h'nlll, 1,.1".'1., YllllullI.m.lll., wIII~1 IIlh,", .llht .,tl,o', ~"'\o ".. o'nl.1 'II
lImulllp.1 L'h.'lillll, 11ll... III IInllllllllllUllli, 1111 whuh 1IIIIVI"llllll,ulII n..1 !J.... Inllll.. h....'.'lh...lu'. 1II>IIIh,.1 h" WIIII""',,!,I
I~ IIIIll~., 11111 uffli 111I1 "CIIIII11II Ih.,ellJI In Ui. MOllilllk"" ..,,,J III ,1,111..11 Ih......1 Ih.. MUIIKllil"L' .11,,11 h'HI'lliu 111'.1.1 I,.
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KNOW Al.I,.Mf.N IIV lII~.SI I'NISlNIS, II,,, KElII/EOY HOnTl1Aor. CO., '''''I''''''''''''
1II1\IHII"'11 111111 ""'IIIlK 11II1l,', Ih. I.I\U, ." Ihl' Sllll. III N..", IIIIII'Y, wllh II. ''''InI;I~II.IIJ''u'. IlIth. '
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, IIl"'llIIln" Ir'e",d III I' I\lIltttnelf, ,I' the II"'. I.'
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I" ~hlllj(IJ,\" Il'lll'n In+J IUl'l'lIll'd 11\ Lyrul A. RLw and Beatrice M. Raw~ his wife
at> "'1II11',IIMO' III K.ENIlr.nr HORTt'lAOE CO.,
1fI1I1" II1Innpul II\lIlJ1l11' 32,000.00
Bor<J\Jf#l "I
"r CU1berllllld
". 334 Fifth Street
<Jal'll
, 1.:l).....,tnK c.,lilln P""'I"'. ll)c.l..d In
New o.nDerlond Cuunly
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March I,
, hlll.ltIlIllt'l /l'lelltd 10
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, I') 80
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und "'UlI..It.... the lum III mon.y .pt>("tl'd >>bov. tUUtln "' Ih, plln(lplI' blllllnc. du. II' ollh. dll. vI
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fat th. OCCllllon Ind fo, III co,poIAI. '.AI Ind h.. ['Mused
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{
Notice of Intention to Foreclose Mortgage
April 25, 1997
Late Charg.. of 18.19
per month due after the fift.enth day of the
month from F.bruary 01, 1997 to the date of
thi. letter (a total of 3 month.)
and .aoh month thereafter.
TOTAL AMOUNT DUEl
Page 2
54.57
1,432.29
You may cure this default within THIRTY (30) DAYS of the date
of this letter. by paying to us the above amount of:
$1,432.29
PLUS any additional monthly payments and late charges which may
fall due during this period. Any additional monthly payments and
late charges will accrue at the amounts set forth above. Such
payment must be made either by cash, cashier's check, certified
check or money order, and made to:
ATLANTIC MORTGAGE & INVESTMENT CORPORATION
4348 SOUTHPOINT BOULEVARD
SUITE 101
JACKSONVILLE, FLORIDA 32216
ATTN: ROBERT PILARSKI
If you do not cure the default within THIRTY (30) DAYS, we
intend to exercise the lender's right to accelerate the mortgage
payments. This means that whatever is owing on the original amount
borrowed will be considered due immediately and rou may lose the
chance to payoff the original mortgage in month y installments.
If full payment of the amount of default is not made within
THIRTY (30) DAYS, we also intend to instruct our attorney to start a
lawsuit to foreclose your mortgaged property. If the mortgage is fore-
closed, your mortgaged property will be sold by the Sheriff to pay
off the mortgage debt. If we refer rour case to our attorners, but
you cure the default before they beg n legal proceedings aga nst rou,
rou will still have to pay the reasonable attorney's fees, actual y
ncurred, up to $50.00. However, if legal proceedings are started
against you, you will have to pay the reasonable attorney's fees even
if they are over $50.00. Any attorney's fees will be added to whatever
you owe us, which may also include our reasonable costs. If you cure
the default wir.hin the thirty day period, you will not be required to
pay attorney's fees.
DR107
/
(
(
Notice of Intention to Foreclose Mortgage Page 3
April 25, 1997
The lender may also sue you personally for the unpaid
principal balance and all other sums due under the mortgage.
If you have not cured the default within the THIRTY (30) day
period and foreclosure proceedings have begun, you still have the right
to cure the default and prevent the sale at any time up to one hour
before the sheriff's or other similar official foreclosure sale. You
may do so by paying the total amount of the unpaid monthly payments
plus any late or other charges then due, ao well as the reasonable
attorney's fees and costs connected with the foreclosure sale and
perform any other requirements under the mortgage. It is estimated
that the earliest date that such a Sheriff's or other similar official's
sale could be held would be approximatelr seven months from today. A
notice of the date of the Sheriff's or s milar official sale will be
sent to you before the sale.
Of course, the amount needed to cure the default will increase
the longer you wait. You may find out at any time exactly what the
required payment will be by calling us at the following number:
(800) 288-2642
This payment must be cash, cashier's check, certified check or money
order and made payable to us at the address stated above.
You should realize that a Sheriff's or other similar official sale
will end your ownership of the mortgaged property and your right to
remain in it. If you continue to live in the property after the
Sheriff's or other similar official sale, a lawsuit could be started
to evict you.
You shall have the right to assert in the foreclosure
proceedings, the non-existence of a default or any other defense that
you may have to acceleration or foreclosure.
DR025
(
Notice of Intention to Foreclose Mortgage
April 25, 1997
Late Charge. of 18.19
per month due after the fift.enth day of the
month from February 01, 1997 to the date of
thi. letter (a total of 3 uonth.)
and eaoh month therealter.
TOTAL AMOUNT DUB I
Page 2
54.57
1,432.29
You may cure this default within THIRTY (30) DAYS of the date
of this letter, by paying to us the above amount of:
$1,432.29
~LUS any additional monthly payments and late charges which may
fall due during this period. Any additional monthly payments and
late charges will accrue at the amounts set forth above. Such
payment must be made eitr.er by cash, cashier's check, certified
check or money order, and made to:
ATLANTIC MORTGAGE & INVESTMENT CORPORATION
4348 SOUTHPOINT BOULEVARD
SUITE 101
JACKSONVILLE, FLORIDA 32216
ATTN: ROBERT PILARSKI
If you do not cure the default within THIRTY (30) DAYS, we
intend to exercise the lender's ri.ght to accelerate the mortgage
payments. This means that whatever is owing on the original amount
borrowed will be considered due immediately and you may lose the
chance to payoff the original mortgage in monthly installments.
If full payment of the amount of default is not made within
THIRTY (30) DAYS, we also intend to instruct our attorney to start a
lawsuit to foreclose your mortgaged property. If the mortgage is fore-
closed, your mortgaged property will be sold by the Sheriff to pay
off the mortgage debt. If we refer rour case to our attorners, but
you cure the default before they beg n legal proceedings aga nst you,
rou will still have to pay the reasonable attorney's fees, actually
ncurred, up to $50.00. However, if legal proceedings are started
against you, you will have to pay the reasonable attorney's fees even
if they are over $50.00. Any attorney's fees will be added to whatever
you owe us, which may also include our reasonable costs. If you cure
the default within the thirty day period, you will not be required to
pay attorney's fees.
DR107
(
(
Notice of Intention to Foreclose Mortgage Page 3
April 25, ,1997
The lender may also sue you personally for the unpaid
principal balance and all other sums due under the mortgage.
If you have not cured the default within the THIRTY (30) day
period and foreclosure proceedings have begun, you still have the right
to cure the default and prevent the sale at any time up to one hour
before the Sheriff's or other similar official foreclosure sale. You
may do eo by paying the total amount of the unpaid monthly payments
plus any late or other charges then due, as well as the reasonable
attorney's fees and costs connected with the foreclosure sale and
perform any other requirements under the mortgage. It is estimated
that the earliest date that such a Sheriff's or other similar official's
sale could be held would be approximatelr seven months from today. A
notice of the date of the Sheriff's or s milar official sale will be
sent to you before the sale.
Of course, the amount needed to cure the default will increase
the longer you wait. You may find out at any time exactly what the
required payment will be by calling us at the following number:
(800) 288-2642
This payment must be cash, cashier's check, certified check or money
order and made payable to us at the addre~s stated above.
You should realize that a Sheriff's or other similar official sale
will end your ownership of the mortgaged property and your right to
remain in it. If you continue to live in the property after the
Sheriff's or other similar official sale, a lawsuit could be started
to evict you.
You shall have the right to assert in the foreclosure
proceedings, the non-existence of a default or any other defense that
you may have to acceleration or foreclosure.
DR025
"
(
(
"
Notice of Intention to Forecloee Mortgage
April 14, 1997
Lat. Charg.. of 18.19
per month due aft.r the fifte.nth day of the
month from rebruary 01, 1997 to the date of
thi. 1.tter (a total of 2 month.)
and .ach month thereafter.
36.38
1,4106.10
Page :z
TOTAL AMOtlNT DUB I
You may cure this default within THIRTY (30) DAYS of the date
of this letter, by paying to us the above amount of:
$1,414.10
PLUS any additional monthly payments and late charges which may
fall due during this period. Any additional monthly payments and
late charges will accrue at the amounts set forth above. Such
payment must be made either by cash, cashier's check, certified
check or money order, and made to:
ATLANTIC MORTGAGE & INVESTMENT CORPORATION
4348 SOUTHPOINT BOULEVARD
SUITE 101
JACKSONVILLE, FLORIDA 32216
ATTN: ROBERT PILARSKI
If you do not cure the default within THIRTY (30) DAYS, we
intend to exercise the lender's right to accelerate the mortgage
payments. This means that whatever is owing on the original amount
borrowed will be considered due immediately and rou may lose the
chance to payoff the original mortgage in month y installments.
If full payment of the amount of default is not made within
THIRTY (30) DAYS, we also intend to instruct our attorney to start a
lawsuit to foreclose your mortgaged property. If the mortgage is fore-
closed, your mortgaged property will be sold by the Sheriff to pay
off the mortgage debt. If we refer rour case to our attorners, but
you cure the default refore they beg n legal proceedings aga nst rou,
rou will still have to pay the reasonable attorney's fees, actual y
ncurred, up to $50.00. However, if legal proceedings are started
against you, you will have to pay the reasonable attorney's fees even
if they are over $50.00. Any attorney's fees will be added to whatever
you owe us, which may also include our reasonable costs. If you cure
the default within the thirty day period, you will not be required to
pay attorney's fees.
DR.107
('
(
Notice of Intention to Foreclose Mortgage
April 14, 1997
The lender may also sue you personally for the unpaid
principal balance and all other sums due under the mortgage.
If you have not cured the default within the THIRTY (30) day
period and foreclosure proceedings have begun, you still have the right
to cure the default and prevent the sale at any time up to one hour
before the Sheriff's or other similar official foreclosure sale. You
may do so by paying the total amount of the unpaid monthly payments
plus any late or other charges then due, as well as the reasonable
attorney's fees and costs connected with the foreclosure sale and
perform any other requirements under the mortgage. It is estimated
that the earliest date that such a Sheriff's or other similar official's
sale could be held would be approXimatelr seven months from tOdar' A
notice of the date of the Sheriff's or s milar official sale wil be
sent to you before the sale.
Page 3
Of course, the amount needed to cure the default will increase
the longer you wait. You may find out at any time exactly what the
required payment will be by calling us at the following number:
(800) 288-2642
This payment must be cash, cashier's check, certified check or money
order and made. payable to us at the address stated above.
You should realize that a Sheriff's or other similar official sale
will end your ownership of the mortgaged property and your right to
remain in it. If you continue to live in the property after the
Sheriff's or other similar official sale, a lawsuit could be started
to evict you.
You shall have the right to assert in the foreclosure
proceedings, the non-existence of a default or any other defense that
you may have to acceloration or foreclosure.
DR025
')
(
(
Atlantic Mortgage ~ Inve.tment Corporacion
4348 Southpoint Boulevard, Suite 101
Jack.onville, FL 32216
AMIC Loan No. 285480
April 14, 1997
CERTIFIED MAIL, RETURN RECEIPT REQUESTED
ARTICLE NUMBER
AND
CERTIFICATE OF REGULAR MAILING
sharen A Toberman
334 Fifth St
New CUmberland PA 17070-1912
REI Glenn E Toberman
Loan No. 285480
Property Location: 334 Fifth St
New CUmberland PA 17070-1912
NOTIC. or INTIDlTION TO rOUCLOSI KORTGAGI
Dear Glenn E Toberman
The mortgage held or serviced by ATLANTIC MORTGAGE & INVESTMENT
CORPORATION (hereinafter we, us or ours) on your property located
at New Cumberland PA 17070-1912
IS IN SERIOUS DEFAULT because you have not made the monthly payments
since February 01, 1997 through today. The total amount required to
to bring your mortgage current is calculated below.
Payment. of 459.24
per month due on the fir.t day of each IIIOnth
from rebruary 01, 1997 to the date of
thi. letter (a total of 3 IIIOnth.)
and each IIIOnth thereafter.
1,377.72
DR109
'\
(
Notice of Intention to Foreclose Mort9age
April 14, 1997
Late Charge. of 18.19
per month due after the fift.enth day of the
month from Pebruary 01, 1997 to the date of
thi. letter (a total of ~ month.)
and .ach month thereaft.r.
Page ~
36.38
TOTAL AMOUNT DUE I
1,414.10
You may cure this default within THIRTY (30) DAYS of the date
of this letter, by paying to us the above amount of.
$1,414.10
PLUS any additional monthly payments and late charges which may
fall due during this period. Any additional monthly payments and
late charges will accrue at the amounts set forth above. Such
payment must be made either by cash, cashier's check, certified
check or money order, and made to.
ATLANTIC MORTGAGE & INVESTMENT CORPORATION
4348 SOUTHPOINT BOULEVARD
SUITE 101
JACKSONVILLE, FLORIDA 32216
ATTN: ROBERT PILARSKI
If you do not cure the default within THIRTY (30) DAYS, we
intend to exercise the lender's right to accelerate the mortgage
payments. This means that whatever is owing on the original amount
borrowed will be considered due immediately and rou may lose the
chance to payoff the original mortgage in month y installments.
If full payment of the amount of default is not made within
THIRTY (30) DAYS, we also intend to instruct our attorney to start a
lawsuit to for.eclose your mortgaged property. If the mort9age is fore-
closed, your mortgaged property will be sold by the Sheriff to pay
off the mortgage debt. If we refer rour case to our attorners, but
you cure the default before they beg n legal proceedings aga nst rou,
rou will still have to pay the reasonable attorney's fees, actual y
ncurred, up to $50.00. However, if legal proceedings are started
against you, you will have to pay the reasonable attorney's fees even
if they are over $50.00. Any attorney's fees will be added to whatever
you owe U6, which may also include our reasonable costs. If you cure
the default within the thirty day period, you will not be required to
pay attorney's fees.
DR107
('
(
Notice of Intention to Foreclose Mortgage
April 14, 1997
The lender may also sue you personally for the unpaid
principal balance and all other sums due under the mortgage.
If you have not cured the default within the THIRTY (30) day
period and foreclosure proceedings have begun, you still have the right
to cure the default and prevent the sale at any time up to one hour
before the Sheriff's or other similar official foreclosure sale. You
may do so by paying the total amount of the unpaid monthly payments
plus any late or other charges then due, as well as the reasonable
attorney's fees and costs connected with the for6closure sale and
perform any other requirements under the mortgage. It is estimated
that the earliest date that such a Sheriff's or other similar official's
sale could be held would be approXimatelr seven months from tOdar' A
notice of the date of the Sheriff's or s milar official sale wil be
sent to you before the sale.
Page 3
Of course, the amount needed to cure the default will increase
the longer you wait. You may find out at any time exactly what the
required payment will be by calling us at the following number:
(800) 288-2642
This payment must be cash, cashier's check, certified check or money
order and made payable to us at the address stated above.
You should realize that a Sheriff's or other similar official sale
will end your ownership of the mortgaged property and your right to
remain in it. If you continue to live in the property after the
Sheriff's or other similar official sale, a lawsuit could be started
to evict you.
You shall have the right to assert in the foreclosure
proceedings, the non-existence of a default or any other defense that
you may have to acceleration or foreclosure.
DR025
(4)
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In The Court of Common Pleas of Cumberland Count)', Pennsylvania
FEDERAL NATIONAL MORTGAGE, ASSOC. BY ATLANTIC MORTGAGF & INVESTMENT CORP.
AGENT
VS.
LYNN A. ROW AND BEATIRCE M. ROW ET M,
334 FIFTH AVE
NEW CUMBERLAND, PA l7070
No. 97-5367 CIVIL
19_
!'iow, 1/5/98
YORK
19_.1 SHERIFF OF CUMBERLAND COUNTY, PA do bereby dtputlzt Iht Sheriff or
Couoty 10 execule Ihls Wrll,lhls dtPUIOllon beln~ mDdt Dllbe rrquuI DDd risk orlhr Plaintiff.
~~~,
Sberiff <lr CumberlDnd Couo~. PD.
"
Affidavit of Service
Now, 19 ,111 o'dock M. served Ibr
wltbln
upoo
D!
by bDndln~ 10 o Irue Dod
ottultd copy or Ihe orlaloo1 and mode known 10
I'" COOlenlS Ihereor.
~:';') ,
-
,-, So answers,
,"', ,
I. ,-~'.>
I, .....
/f!:"
.....;,l
Sheriff or Coun~'. PD.
COSTS
Sworn Dnd subscribed bero..
m. ,hi. day or
19_
SERVICE
J\IJLEAG E
AFFIDA VIT
s
s
In The Court OfCOllllllon Pleas ofCumberlahd County, Pennsyl\'unla
FEDERAL N^,I'IONM, MOR'l'GAGfo:, ASSOC., BY ATLANTIC MOfl'l'(;AGE & I NVESTMEN'1' CORP.
AGENT
\'5.
LYNN A. ROW AND BEATRICE M. !lOW, ET AI.
SERVEt GLENN E. TOBERMAN, III
462 MARSH RUN !lOAD, NEW CUMBERLAND, PA l7070
N~ 97- 5367 CIVIL
19_
/'iow, 1/5/98
YORK
19-,1 SHERIFF Of' Cl'MBERlAND COl'NT...., P.\ do hmby deputize the SherllTor
COUDt\' to execute Ihls Wrlt,lhls depulatloD beln~ mude althe nqut5t and risk or the PlolntllT.
"
_ ..!~/"J .J11' _..; ~ '"
r:i )~A -~,,, ."'..
Shtrlrr or CumberluDd Coun~', Pa.
Affidavit of Sen'ice
Now, 19 ,ot o'c1o~k M. Strvtd tbe
wlrbln
UpOD
of
by banding to o true ODd
otttSted copy or Ihe orllllool ond made known to
the COD tents tbenor.
, .)
...- :.
So onswers,
'--"J
....
,
-'.J
,.,.,
, .
....../ Sherlrr or Coun~'. Pa.
COSTS
5"orn ond subscribed beron
m. thl. doy ur
19:"'-
SERVICE
MILEAGE
AHIDAVIT
s
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EXHIBIT tt~tt
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(/
Notice of Intention to Foreclo.e Mortgage
April 25, 1"7
Late Charge. of 11.19
peZ' month due after the fifteenth day of the
month fro. 'ebruary 01, 1997 to tbe date of
thi. letter (a total of 3 montb.)
and each month thereafter.
TOTAL AMOUNT DUE t
Pap 2
54.57
1,432.29
You may cure this default within THIRTY (30) DAYS of the date
of this letter, by paying to us the above amo~mt of:
$1,432.29
PLUS any additional monthly payments and late charge. which may
fall due during this period. Any additional monthly payment. and
late charge. will accrue at the amount. .etforth above. Such
payment must be made either by cash, cashier's check, certified
check or money order, and made to:
ATLANTIC MORTGAGE , INVESTMENT CORPORATION
4348 SOtrrHPOINT BOULE\?JUl
SUITE 101
JACKSONVILLE, FLORIDA 32216
ATTN: ROBERT PILARSKI
If you do not cure the default within THIRTY (30) DAYS, we
intend to exercise the lender's right to accelerate the mortgage
payments. This means that whatever is owing on the original amount
borrowed will be considered due immediately and IOU may lose tbe
chance to payoff the original mortgage in month y installments.
If full payment of the amount of default i. not made within
THIRTY (30) DAYS we alao intend to in.truct our attorney to .tart a
lawsuit to foreciose your mortgaged property. If the mortgage i. fore-
closed, your mortgaged property will be sold by the Sheriff to pay
off the mortgage debt. If we refer rour case to our attorner" but
you cure the default before they beg n legal proceodings aga nst rou,
rou will still have to pay the reasonable attorney" fees, actual y
ncurred, up to $50.00. However, if legal proceedings are started
against you, you will have to pay the reasonable attorney's fee. even
if they are over $50.00. Any attorney's fees will be added to whatever
you owe us, which may also include our reasonable costs. If you cure
the default within the thirty day period, you will not be required to
pay attorney's fees.
DR107
.,.~.~;-,
"
\
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Notice of Intention to Forecloee Mortgage
ApZ'il 25, lt97
Latl CbaZ'ge. of 11.19
per montb due after the fifte.nth day of the
month froa 'ebruary 01, 1997 to the date of
thh letter (a total of 3 moll.th.)
and eaoh month thereafter.
TOTAL AMOUNT OtTIIl
Pa;. 2
54.57
1,432.29
You may cure this default within THIRTY (30) DAYS of the date
of this letter, by paying to us the above amount oft
$1,432.29
PLUS any additional monthly payments and late charges which may
fall due during thi. period. Any additional monthly payments and
late charge. will accrue at the amounts set forth above. Such
payment must be made either by cash, cashier'S check, certified
check or money order, and made to:
ATLANTIC MORTGAGE' INVESTMENT CORPORATION
4348 SOUTHPOINT BOULEVARD
SUITE 101
JACKSONVILLE, FLORIDA 32216
ATTNI ROBERT PILARSKI
If you do not cure the default within THIRTY (30) DAYS, we
intend to exercise the lender's right to accelerate the mortgage
payments. This means that whatever is owing on the original amount
borrowed will be considered due immediately and rou may lose the
chance to payoff the original mortgage in month y installments.
If full payment of the amount of default is not made within
THIRTY (30) DAYS, we also intend to instruct our attorney to start a
lawsuit to foreclose your mortgaged property. If the mortgage is fore-
closed, your mortgaged property will be sold by the Sheriff to pay
off the mortgage debt. If we refer rour case to our attorn.rl, but
you cure the default before they beg n legal proceeding. aga nst you,
rou will still have to pay the reasonable attorney's fees, actually
ncurred, up to $50.00. However, if legal proceedings are started
against you, you will have to pay the reasonable attorney's fees even
if they are over $50.00. Any attorney's fees will be added to whatever
you owe us, which may also include our reasonable costs. If you cure
the default within the thirty day period, you will not be required to
pay attorney's fees.
DR107
.,
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Notice of Intention to Foreclose Mortgage
April 14, 1997
Late Charge. of 11.19
peZ' month due after the fifteenth day of the
month boa l'e!Iruary 01, 1997 to the date of
thi. 1etteZ' (a total of 2 month.)
and each month tbereafter.
3f.3'
1,414.10
Page 2
TOTAL AMOUNT O'l11l1
You may cure this default within THIRTY (30) DAYS of the date
of this letter, by paying to us the above amount Ofl
$1,414.10
PLUS any additional monthly payments and late charges whicb may
fall due during this period. Any additional monthly paymente and
late charges will accrue at the ~ounts set forth above. Such
payment must be made either by cash, cashier's check, certified
check or money order, and made tOI
ATLANTIC MORTGAGE , INVESTMENT CORPORATION
4348 SOUTHPOINT BOULEVARD
SUITE 101
JACKSONVILLE, FLORIDA 32216
ATTN: ROBERT PILARSKI
If you do not cure the default within THIRTY (30) DAYS, we
intend to exercise the lender's right to accelerate the mortgage
payments. This means that whatever is owing on the original amount
borrowed will be considered due immediately and rou may lose the
chance to payoff the original mortgage in month y installments.
If full payment of the amount of default is not made within
THIRTY (30) DAYS, we also intend to instruct our attorney to start a
lawsuit to foreclose your mortgaged property. If the mortgage i. fore-
closed, your mortgaged property will be .old by the Sheriff to pay
off the mortgage debt. If we refer IOur case to our attornere, but
you cure the default before they beg n legal proceeding. aga net foul
Iou will still have to pay the reasonable attorney's fe.s, actual y
ncurred, up to $50.00. However, if legal proceedings are started
against you, you will have to pay the reasonable attorney'. tees even
if they are over $50.00. Any attorney's fees will be added to whatever
you owe us, which may also include our reasonable costs. If you cure
the default within the thirty day period, you will not be required to
pay attorney's fees.
DR107
.,
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Notice of Intention to roreclOI. Mortgage Page 3
April 14, 1997
The lender may al.o .ue you per.onally for the unpaid
principal balance and all other .um. due under the mortgage.
If you have not cured the default within the THIRTY (30) day
period and foreclosure proceeding. have begun, you Itill have the right
to cure the default and prevent the sale at any time up to one hour
before the Sheriff's or other similar official foreclosure sale. You
may do so by paying the total amount of the unpaid monthly payments
plus any late or other charges then due. as well as the reasonable
attorney's fees and costs connected with the foreclosure sale and
perform any other requirements under the mortgage. It is estimated
that the earliest date that such a Sheriff's or other similar official's
sale could be held would be approximatelr seven months from tOdar' A
notice of the date of the Sheriff's or s milaI' official sale wil be
sent to you before the sale.
Of course, the amount needed to cure the default will increase
the longer you wait. You may find out at any time exactly what the
required payment will be by calling us at the following number:
(800) 288-2642
This payment must be cash, cashier's check, certified check or money
order and made. payable to us at the address stated above.
You should realize that a Sheriff's or other similar official sale
will end your ownership of the mortgaged property and your right to
remain in it. If you continue to live in the property after the
Sheriff's or other similar official sale, a lawsuit could be started
to evict you. .
You shall have the right to assert in the foreclosure
proceedings, the non-existence of a default or any other defense that
you may have to acceleration or foreclosure.
OR025
"
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<.
,
Notice of Intention to Foreclose Mortgage
April 14, 1997
Late Charge. of 18.19
per month due after the fifteenth day of the
month from February 01, 1997 to tbe date of
thil letter Ca total of 2 month.)
and eaoh month thereafter.
TOTAL AMOUNT Dt1I! t
Page 2
36.38
1,414.10
You may cure this default within THIRTY (30) DAYS of the date
of this letter, by paying to us the above amount oft
$1,414.10
PLUS any additional monthly payments and late charges which may
fall due during this period. Any additional monthly payments and
late charges will accrue at the amounts set forth above. Such
payment must be made either by cash, cashier's check, certified
check or money order, and made to.
ATLANTIC MORTGAGE &. INVESTMENT CORPORATION
4348 SOUTHPOINT BOULEVARD
SUITE 101
JACKSONVILLE, FLORIDA 32216
ATTN: ROBERT PILARSKI
If you do not cure the default within THIRTY (30) DAYS, we
intend to exercise the lender's right to accelerate the mortgage
payments. This means that whatever is owing on the original amount
borrowed will be considered due immediately and rou may lose the
chance to payoff the original mortgage in month y installment..
If full payment of the amount of default is not made within
THIRTY (30) DAYS, we also intend to instruct our attorney to start a
lawsuit to foreclose your mortgaged property. If the mortgage i. fore-
closed, your mortgaged property will be sold by the Sheriff to pay
off the mortgage debt. If we refer rour case to our attorner.' but
you cure the default before they beg n legal proceeding. aga n.t you,
rou will still have to pay the reasonable attorney's fees, actually
ncurred, up to $50.00. However, if legal proceedings are Itarted
againlt you, you will have to pay the reasonable attorney" fee. even
if they are over $50.00. Any attorney's fees will be ad~ed to whatever
you owe us, which may also include our reasonable costs. If you cure
the default within the thirty day period, you will not be requiZ'ed to
pay attorney's fees.
OR107
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5. On or about March 4, 1980, Kennedy ISsisned said Note IIId Mortaqe to Plaintiff pursuanl
to a certain AJsianment of Mortglllle. A true IlId correct copy of said Auisnment is marked Exhibil "B",
attsched hereto IIId made a part hereof.
6. On or about November 15, 1984, Defendlllls, Lynn A. Rowand Beatrice M, Row. deeded
the mor1g811e premises 10 Defendnnl, GleM E Toberman, III nnd Sharen A. Toberman, his wife, withoul the
knowledge or coment of PllIlnulT Subsequently, on MIlY 2K, 1997, Sharen A Toberman conveyed her anlerest
in the mOrllllllle premise, 10 Defendant, GleM E. Toberman, 111. Defendant, GleM E. Toberman, III is now
the record and real owner of the mortS811ed premises.
7. Defendants are in defaull under the terms of the lICoresllid Note and Mortglllle, respectively,
for, inler alia. failure to pay the monthly inslollments of principlll and inlerest on sllid Note when due.
8, Plaintiff was nol required to send Defendanl(s) written Notice pursuanllO 35 P.S. ~ I 680.403(c)
(Homeowners' Emergency Mortgage Assistance Act of 1983, - ACl91 of 1983), prior 10 commencement of
this action for the reason that the lICoresllid Mortg811e is insured by the Federal HousinS Administration under
Title 11 of the National Housing Act (12 U.SC. ~~1707 -l715(z). 18) [35 P.S. ~1680.401(aX3)).
9. On or about April 14, 1997 and April 25, 1997. Defendants were mailed Notices of Intention
to Foreclose Mortglllle in compliance with ACl6 of 1974, 41 P.S. ~ 101. el.seq. True and corre<:t copies of
said Notices are marked Exhibit "C". attached here and made a part hereof.
10. The amount due and owing Plaintiff by Defendants is as follows:
Principal
Interest to 7/15/97
Late Charges
Escrow Advance
Attorneys' Fees
Costs and title search
$ 21,687.96
1,527.19
109.\4
1,031.89
800.00
2.500.00
TOTAL
U7,6!6.18
plus interest on the principlll sum ($27.687,96) from July 15. 1997. at the rate of $7.83 per diem, plus
additional late charges and costs (including increases in escrow deficiency), and additional attorneys' fees and
2
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Notice of Intention to Foreclo.e Mortgage
April 25, 1997
Lat. ChaZ'g.. of 18.19
per month due after the fifteenth day of the
month f~om rebruary 01, 1997 to tbe date of
this letter (a total of 3 montb.)
and each month th.r.afte~.
TOTAL AMOUNT DU! I
pa;. 2
54.57
1,432.29
You may cure this default within THIRTY (30) DAYS of the date
of this letter, by paying to us the above amount of:
$1,432.29
PLUS any additional monthly payments and late charges which may
fall due during this period. Any additional monthly payments and
late charges will accrue at the amounts set forth above. Such
payment must be made either by cash, cashier's check, certified
check or money order, and made to:
ATLANTIC MORTGAGE , INVESTMENT CORPORATION
4349 SOtrrHPOINT BOULEVARD
SUITE 1.01
JACKSONVILLE, FLORIDA 32216
ATTN: ROBERT PILARSKI
If you do not cure the default within THIRTY (30) DAYS, we
intend to exercise the lender's right to accelerate the mortgage
payments. This means that whatever is owing on the original &mOunt
borrowed will be considered due immediately and rou may lose the
chance to payoff the original mortgage in month y installments.
If full payment of the amount of default is not made within
THIRTY (30) DAYS, we also intend to instruct our attorney to start a
lawsuit to foreclose your mortgaged property. If the mortgage iu fore-
closed, your mortgaged property will be 80ld by the Sheriff to pay
off the mortgage debt. If we refer rour case to our attorners, but
you cure the default before they beg n legal proceedings aga nst rou,
rou will still have to pay the reasonable attorney's fees, actual y
ncurred, up to $50.00. However, if legal proceedings are started
against you, you will have to pay the reasonable attorney's fees even
if they are over $50.00. Any attorney's fees will be added to whatever
you owe us, which may also include our reasonable costs. If you cure
the default within the thirty day period. you will not be required to
pay attorney's fees.
DR107
(
('
Notice of Intention to Poreclo.. Mortgage Page 3
April 25, lt97
The lender may 1110 .ue you perlonally for the unpaid
principIl balance and all other lum. due under the mortgage.
If you have not cured the default within the THIRTY (30) day
period and foreclolure proceedings have begun, you Itill have the right
to cure the default and prevent the sale at any time up to one hour
before the Sheriff's or other similar official foreclosure sale. You
may do so by paying the total amount of the unpaid monthly payments
plus any late or other charges then due, aD well as the reasonable
attorney's fees and costs connected with the foreclosure sale and
perform any other requirements under the mortgage. It is estimated
that the earliest date that such a Sheriff's or other similar official's
sale could be held would be approximatelr seven months from tOdar' A
notice of the date of the Sheriff's or s milaI' official sale wil be
sent to you before the .ale.
Of course, the amount needed to cure the default will increase
the longer you wait. You may find out at any time exactly what the
required payment will be by calling us at the following number:
(800) 288"2642
This payment must be cash, cashier's check, certified check or money
order and made payable to us at the address stated above.
You should realize that a Sheriff's or other similar official sale
will end your ownership of the mortgaged property and your right to
remain in it. If you continue to live in the property after the
Sheriff's or other similar official sale, a lawsuit could be started
to evict you.
You shall have the right to assert in the foreclosure
proceedings. the non-exi.tence of a default or any other defense that
you may have to acceleration or foreclosure.
DR025
J
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Notice of Intention to Foreclo.e Mortgage
April 25, un
Late Charge. of 11.19
per aonth due afteZ' the fifteenth day of tbe
month frGa .ebruary 01, 1997 to the date of
tbi. letteZ' (a total of 3 mo4tba)
and each montb tbereafter.
Page 2
54.57
TOTAL AMOUNT DtTIIl 1,432.29
You may cure this default within THIRTY (30) DAYS of the date
of this letter, by paying to us the above amount of:
$1,.32.29
PLUS any additional monthly payments and late charges which may
fall due during thia pe~iod. Any additional monthly payment. and
late charge. will accrue at the amount. set forth above. Such
payment must be made either by cash, cashier's check, certified
check or money order, and made to:
ATLANTIC MORTGAGE , INVESTMENT CORPORATION
4348 SOUTHPOINT BOULEVARD
SUITE 101
JACKSONVILLE, FLORIDA 32216
ATTN: ROBERT PILARSKI
If you do not cure the default within THIRTY (30) DAYS, we
intend to exercise the lender's right to accelerate the mortgage
pa~nents. This means that whatever is owing on the original amount
borrowed will be considered due immediately and rou may lo.e the
chance to payoff the original mortgage in month y installments.
If full payment of the amount of default is not made within
THIRTY (30) DAYS we also intend to instruct our attorney to start a
lawsuit to forecioee your mortgaged property. If the mortgage is fore-
closed, your mortgaged property will be sold by the Sheriff to pay
off the mortgage debt. If we refer IOUI' ca.e to our attornftrs, but
you cure the default before they beg n legal proceeding. aga n.t rou,
rou will .till have to pay the reasonable attorney" fees, actual y
ncurred, up to $50.00. However, if legal proceedings are .tarted
against you, you will have to pay the reasonable attorney's fees even
if they are over $50.00. Any attorney's fee. will be added to whatever
you owe us, which may also include our reasonable cost.. If you cure
the default within the thirty day period, you will not be required to
pay attorney's fees.
DR107
,~_.. ..\
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NotiCle of Intention to Foreclose Mortgage Page 3
April 25, .19t?
The lender may al.o .ue you personally for the unpaid
principal balance and all other .um. due under the mortgage.
If you have not cured the default within the THIRTY (30) day
period and foreclosure proceedings have begun, you still have the right
to cure the default and prevent the sale at any time up to one hour
before the Sheriff's or other similar official foreclosure sale. You
may do so by paying the total amount of the unpaid monthly payments
plus any late or other charges then jue, as well as the reasonable
attorney's fees and costs connected with the forecloaure sale and
perform any other requirements under the mortgage. It is estimated
that the earliest date that such a Sheriff's or other similar official's
sale could be held would be approXimatelr seven months from tOdar' A
notice of the date of the Sheriff's or s milaI' official sale wil be
sent to you before the .ale.
Of course, the amount needed to cure the default will increase
the longer you wait. You may find out at any time exactly what the
required payment will be by calling us at the following number:
(800) 288-2642
This payment must be cash, cashier's check, certified check or money
order and made payable to us at the addre~s stated above.
You should realize that a Sheriff's or other similar official sale
will end your ownership of the mortgaged property and your right to
remain in it. If you continue to live in the property after the
Sheriff's or other similar official sale, a lawsuit could be started
to evict you.
You shall have the right to assert in the foreclosure
proceedings, the non-existence of a default or any other defense that
you may have to acceleration or foreclosure.
DR025
.,
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"
Notice of Intention to 'or.clo.e Mortgage
April 14, 1997
La~e Cba~e. ~f 11.1'
per month due after tbe fifteentb day of the
month fZ'Ga ,ebruary 01, 1997 to the date of
tbi. lett.Z' (a total of 2 month.)
and each month therea~t.r.
Pag. 2
31.38
TOTAL AMOUNT Du. I
1,414.10
You may cure this default within THIRTY (30) DAYS of the date
of this letter, by paying to us the above amount Ofl
$1,414.10
PLUS any additional monthly payments and late charge. which may
tall due during thi. period. Any additional monthly payment. and
late charges will accrue at the ~ounts set forth above. Such
payment must be made either by cash, cashier'. check, certified
check or money order, and made to!
ATLANTIC MORTGAGE , INVESTMENT CORPORATION
4348 SOUTHPOINT BOULEVARD
SOITE 101
JACKSONVILLE, FLORIDA 32216
ATTN: ROBERT PILARSKI
If you do not cure the default within THIRTY (30) DAYS, we
intend to exercise the lender's right to accelerate the mortgage
payments. This means that whatever is owing on the original amount
borrowed will be considered due immediately and you may lose the
chance to payoff the original mortgage in monthly installments.
If full payment of the amount of default is not made within
THIRTY (30) DAYS, we also intend to instruct our attorney to start a
lawsuit to foreclose your mortgaged property. If the mortgage i. fore-
closed, your mortgaged property will be sold by the Sheriff to pay
off the mortgage debt. If we refer rour ca.e to our attorner" but
you cure the default before they beg n legal proceeding. aga n.t IOU,
rou will still have to pay the reasonable attorney's fee., actual y
ncurred, up to $50.00. However, if legal proceedings are .tarted
against you, you will have to pay the reasonable attorney'. fee. even
if they are over $50.00. Any attorney's fees will be added to whatever
you owe us, which may also include our reasonable costs. It you cure
the default within the thirty day period, you will not be required to
pay attorney'. fees.
DR107
>'4.._
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. "
'0
" Notice ot Intention to poreclol. Mortgage Page 3
Apdl14,19t7
Th. lender may &1.0 IU. you perlonally tor the unpaid
principal balance and all other .uml due under the mortgage.
If you have not cured the default within thft THIRTY (30) day
period and foreclolure proceeding. have begun, you .till have the right
to cure the default and prevent the sale at any time up to one hour
before the Sheriff's or other similar official forecl08ure sale. You
may do so by paying the total amount of the unpaid monthly payments
plus any late or other charges then due, as well as the reasonable
attorney's fees and costs connected with the foreclo8ure sale and
perform any other requirements under the mortgage. It i. estimated
that the earliest date that 8uch a Sheriff's or other 8imilar official's
sale could be held would be approximatelr seven montM from todar' A
notice of the date of the Sheriff's or s milaI' official .ale wil be
sent to you before the sale.
Of course, the amount needed to cure the default will increase
the longer you wait. You may find out at any time exactly what the
required payment will be by calling U8 at the following numberl
(800) 288-2642
This payment must be cash, cashier's check, certified check or money
order and made. payable to us at the address stated above.
You should realize that a Sheriff's or other similar official sale
will end your ownership of the mortgaged property and your right to
remain in it. If you continue to live in the property after the
Sheriff's or other similar official sale, a lawsuit could be started
to evict you. .
You shall have the right to assert in the foreclosure
proceedings, the non-existence of a default or any other defense that
you may have to acceleration or foreclosure.
DR025
.' .
"
I
.
(
/'
I
Notic. of Intention to Foreclo.. Mortgage
ApZ'il 14, 1997
Late Cba~ve. of 11.19
peZ' aonth due a!teZ' tbe fifte.ntb day of tbe
aonth f~oa rebruary 01, 1997 to tbe date of
th1. letteZ' (a total of 2 montb.)
and each month thereafter.
Page :a
3&.38
TOTAL AMOUNT DtTIIl
1,414.10
You may cure this default within THIRTY (30) DAYS of the date
of this letter, by paying to us the above amount of,
$1,414.10
PLUS any additional monthly payments and late charges which may
fall due during this period. Any additional monthly payments and
late charges will accrue at the amounts set forth above. Such
payment mu.t be made either by cash, cashier's check, certified
check or money order, and made to,
ATLANTIC MORTGAGE & INVESTMENT CORPORATION
4348 SOUTHPOINT BOULEVARD
SUITE 101
JACKSONVILLE, FLORIDA 32216
ATTN: ROBERT PILARSKI
If you do not cure the default within THIRTY (30) DAYS, we
intend to exercise the lender's right to accelerate the mortgage
payments. This means that whatever is owing on the original amount
borrowed will be considered due immediately and rou may lose the
chance to payoff the original mortgage in month y installment..
If full payment of the amount of default is not made within
THIRTY (30) DAYS, we also intend to instruct our attorney to start a
law.uit to foreclose your mortgaged property. If the mortgage i. fore-
clo.ed, your mortgaged property will be sold by the Sheriff to pay
off the mortgage debt. If we refer rour case to our attorneys, but
you cure the default before they beg n legal proceedings aga n.t rou,
YOU will still have to pay the reasonable attorney's fees, actual y
ncurred, up to $50.00. However, if legal proceedings are started
again.t you, you will have to pay the reasonable attorney's fee. even
if they are over $50.00. Any attorney's fees will be added to whatever
you owe us, which may also include our reasonable costs. If you cure
the default within the thirty day period, you will not be required to
pay attorney's fees.
DR107
"
,
{
Notice of Intention to Poreelo.e Mortgage
April 14, 1997
The lender may al.o .ue you per.onally for the unpaid
principal balance and all other sum. due undar the mortgag..
If you have not cured the default within the THIRTY (30) day
period and foreclosure proceeding. have begun, you .till have the right
to cure the default and prevent the sale at any time up to one hour
before the Sherift's or other similar official foreclosure sale. You
may do so by paying the total amount of the unpaid monthly payments
plus any late or other charges then due, as well as the reasonable
attorney's fees and costs connected with the foreclosure sale and
perform any other requirements under the mortgage. It i. estimated
that the earliest date that such a Sheriff's or other similar official'.
sale could be held would be approXimatelr seven months from todar' A
notice of the date of the Sheriff's or s milaI' official .ale wil be
sent to you before the sale.
Of course, the amount needed to cure
the longer you wait. You may find out at
required payment will be by calling us at
(800) 288-2642
'ag. 3
the default will increa.e
any time exactly what the
the following number:
This payment must be cash, cashier's check, certified check or money
order and made payable to us at the address stated above.
You should realize that a Sheriff's or other similar official sale
will end your ownership of the mortgaged property and your right to
remain in it. If you continue to live in the property after the
Sheriff's or other. similar official sale, a lawsuit could be started
to evict you.
You shall have the right to assert in the foreclosure
proceeding., the non-exi.tence of a default or any other defen,e that
you may have to acceleration or foreclosure.
. .
DR025
.
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"!fIollnl .qu.llo one.t.cUlh (1/12) of onlt-h.U (III) plf untu", of Ih. .u,".c oulll.ndln, b.llnct due
on It.. nQI, COlnplll" wllholll I.~'n, Inlo .ccount d.lin",,'''cl'u 0' Pl.p.ymtnl'j
I.' A .um .qu.1 to lh. "OIIM "nl., If "n.., n..1 du., ph~. Ih. p"",lulnl lh.1 .ill n..1 ~co"'. du. .nd p,,"bl.
on pellc!.. of fllIt and oth.r h.urd 1.n.",t."CIt co.....ln, Ih. p"",I... '1(1,1". h,"by, ph,. I.... .nd .......
1Il1tfl1. n'lll due on t.h. 1',..1... r:ovt". h."by (.11 .. ..11'1'<11.. bV Ih. Mort"...) I,.. .11 lUll'll "hud..
p.id Ih.lltor diylded by lhe nUfllbe, 0' IfM)nlh. 10 .I.p.. belo,. on. (I) lIIonlh prior 10 the d.,. .h.n .u~h
IfOund f."t., pl",luml. I.... .nd .........nl. .iII bteom. d,linquenl, I"ch IU"'I 110 ba h.ld bv MOil.',..
In hili I to p'" ..Id 'fOUnd"".., pr'Mlu... 111I", Ind lpeel.1 ......"''"'.; .nd
tcJ All p,,"""I' 1II1tflll0ne4 ,n Ih. two p'Ked!nl .ubltetlon. of Ihl. P"'I"P" .n" .u p...""n'l 10 b. IIIrtd. un.
"r the nol' .teU," h"'br .h.n bit telded 101llh., ..,d Ih. "11'1". 1I,0unt Iflll,"f th.n be p"ld by the
Mort,llo, ..ch monlh In . .in.la p.,.nl to b. .ppll.d by Iha 14011,",,, 10 Ihe rollo.ln,Il.",. In Ihe o,d.,
ul forlh:
(I) p,,,,,luII ch.'11I u., the colllflCt of in.",.nc. with t.h. SlCret", of Hou.I","uf Urb.n Oa\l.lormltfll,
0' Monlhl, chlr.. (ill U.... of 110ft".. ,na"ldCt pr..I".). .. lh. CII. ..,. b.:
(II) pound renl., t...., .peelal .,,".....11. fb. and ath.. h...rd 11ltr.lIIftCt pnmlulU;
(III) Inl.,.,1 on tha not. aK1l'" htrtby; .nd
(IV) 'MOrtl..UOft of the ,rlAd,.. of nidi ftOl..
An,. di.ncl,"CJ hi th. -.ou". or ._" 'ur.pl' MOnlhl, p.,,."'t ah.lI, lUll... .d. lded b, Ih. MariK"""
prior 10 the dIM d.t. of Ihc "..t l\tCh ,.,."'1, con.tit"la .n ev.nt of .,.,,11 ,IMler Ihle 11I0'1._,.; .nd tIM
,nllr. Il\Orl,... If.bl ,h. II beco.. clu. .1 the 0,11.,,, or Ih. hold., hlf"r. n. 1.11101,. 0' Ih. hold" h"lOf
to ...rein IhI. opllon 0' a",. olhll option Ilv.n h.'tund.r .".Il nol b. h.ld to b.. ..In, of .ny of lhe
I.,., hereof or of Ih. nol. .ItCV," "".by. n. Morl"." .'Y coll,cl . "hla chili"" "01 10 ..ceed f","
c."t. 144' for ..cll dollar (II) of "ch p"mlnl "'0" Ih.n Ilft"n (IS) d.,. In ."..... to co \III th.IIl'" ...
p""" In'lOl* In h,"clU"1 d.U"..n' ,,,"1',
J. If tM total oflhe PIJ.u .... " ,be ..Oft.acor under (.J of PII..,"" 2 PlICHln. ."aU .ICt.d Uti amount
or PAllllnt. ICtlllll1 ..ad. b; tlte ..ort..... rOl pound rani.. ta.1I or ......IfI.,... or tnawuc. p"Mlu",.. .. tht c...
Ill" be, IUch IIUII, if the 101ft il cunent, ,llh. option of Ihe MI),I"IOI, ,h.1I M c,..Ued b, lh. "orl",1f on ."bIle-
qUIi'll 5I..,,,,.n&.lo be "ad. bl IhI "011'''01. or "fUndld to the IIOftlllor. U. bo..w.r. 1M ...Ihl, D.,.",tl _de b1
IhI Morl'~'Of "ncI" (.) of D.",,&oh 2 IHtctdin. .hallltOl bt ,ufllcl.nt to pal "au'" rant.. tl.lI. .nd 1U...."'.nLII.
and In.uranc. pr...IUIlI. u Ih. c... .., b.. .hln Ih. ..m. IhaU b.como due .nd 5I&1'''t. thtn I". MOfllllator .tJIU
,., 101M "ctt,I," In1 a..ount nee"IIIJ 10 "d' up I". d.lleI.nu. On or bI'Of.IM dl" ."en D'J",.nl nf nd .round
rent.. II'''. 1U......nl.. 0' .In.utlnee ""1II1"" IhaU b. du.. If aI tnI 111M till ~Ofl."or ,"alll.nder 10 Ihe Morl...
.... In accord.net _Ith lhe Drowl.loM of lbe DOt. "ClUed herlbl, full,..,.... o' I", Inllrt InII,ba.d"..' II"".netd
dte"~,, ,h. Non..... Ih.II, In cOlltpud". tII. "0UIl1 o. .uelt Ind.bctdJlltu, efldh 10 .h. '1:(,",,., of Ihe NOfI",OI .11
,.,..n.. .,de \Utd" .h. prowl.lon. of(., ., pell.rapt. 2 h.tlo' .hlch &h. Non..... h.. nOllMcorn. obli,'led lit ,.,.
'0 1M StCII''''' o' Ho,..ln. and Urkn 0...10""', .nd .,., b,lanc. ....lnll' In .hI fWld, Icc\NIIIII.llto! ""d.. .h.
r.owl.lon, 0' (., of plI:lplph J hlllof. I' .hIt,. _II b. . d.f.lI11 "Mn "'YO' I'" "owl,ion. or .hl. IRon.." "..h-
ft. in . "","Ue ..1, 0' 1lII. IMft.".,d ,....1.... 01' if IIIe Norr..... ..,qult.. Ih. pro,.'''' oth,..l.. .IfI, .'.ulr. chi
Won..... .h,1I ."Iy, .. 11M II.. .f .h, CM..nc....n. .f .11(" ,",c..eIln.., Of .. dt. .... .h. "0""' I_ od",""..
1C~III"d. .h. bel'nCl &h,.. ,...I..in, '" ~ht ""U'I uC!oWWul.,.d "nd.,. (., 01 ,....,.ph J ".udlll', "' lll.dh ",.'nll
ill. ........ 0' ,.1.cip,1 ,It.. ".,"'in. \I"pli. WId.,. ..ld noll, ...d .hI II rl'Optlly ,diu" 4fty pa,,,tltnll .hlch .h.n
..... b"" ..d. unci.. (., 01 ,.,....,.. 2. ,
1001 fj'if; rIr~ li:W
,
.
.. T"'I 'hi &&oIl..... will lIuj' Ih, IM~ro"....11l1 rww ..1.11.. u, .....11.. .".:I.~ II" ,,,_ ......111.. (loll"'''''''
~.".." I..."" H .lIt' ~ ""..,.J III. II.. Iu ..., .;, ..,, .....1"... ...1... I'I"~ It, '11' ..,lot III"'., .......4., .. "".'
"1111 III~CWII"I'.cl" III .if':. ~..ou.I. .... In. .w" 1~,I..t, II .., .... ....h... 1'1 ...111'.-:.... 'lilt will ~., '"1'''''
I" .... .... ..., .,,....... DA urh i"""Mr. .., ,..,M'hl ., .hlelt "I,l'lI.III. I,... rwl "'tltl ...". h....llllld...., All
III'W'W, ...." h ,."," I.. I:UfIIllul.. ......".. ~ "&HIIIl.t. Mil Ih. ,...11",.. ..... l.n",..I. Ih..,.n' .h,1I .,. h,llI
"Y ..."1..... M' ...". .11-.:"''' Ih.llIl. lOll ,.,.w. l'I,u... III In.. Q' 11"4 III 1m. ...'~.t1I.h1,. 101 1111 .",111...... I"
....1 .., I... ..lUl..... w.1t I"'. i...U.., ...U... t., ....11 I, 11I0"1'1'" .,.4 ...,.1..... ..., ..."" I"LI~' 01 I,,*-, .,
1M' .... ...,11, II, Mo,II'IU', lid ..c" I,,'n-.c, lUM'U, COM".._ I. hll'b, ..,lhUlu" uJ .aI,,,,.. 'e ....
j'I,,,.'''1 'U' Iw,II tu.. 4111(11.. I" MI,I,III," 11111.11I11' 11.1 WIIII"lu, '"" ..0'....... ,."nll" 0..4 III. In.u,w..n ,,.,.
,w,I., Of .", pili Ih.,...I. III'" be .",h'" .... M."~'I'.' .1 Ih 01111&111 .lIh", lu tI" ,..t"rLJon U, Ihl/ IIUh,W.dllu.
h'I'~" ..tulld UI IQ III. ,..lot.IHJrI u, '.1"" .If ,Ill, I"D\ol..I)' 11...1.... I" II,. "n"l ~, lo"do....,,, U' Ihll .otl....
.. ,nl," I'.n"'", '" 1111. 1'1 III" 1"'1\1I111" ~'ov...d 1'1"111,,)' In .UII"I,,,,III,,,nl ...111,. mlll.bl,dM'" .,,....,;,, "".h" .11
Ilk"l, hll. .nll Inl.'nl ol.h. "ull"IO' I" .nll 10 'HY I".",.-nc. ,nllel" Ih!!n 11111011'(' .".111'.... IloIlh'I'.ICIII.."
,.u 1'11"1.1',
~. Th.1 Ih. ..,.111.......' .111 ,.,,1 ,,,ll., "II)' II... ..'I'~'''1I 101 II" 1,,11 I.."v,. ..."..I.d I., _II., I. I" ..., lul,. .,,,..,,,'.,1
"'Cllnll Ih. p'..I."" cu......II ...'11..... .,ut will k..., ,,11,1 1""UU." "I .. ....... 11I~'" "..I 1'"1,111"," 101O Ih." '101>. 'If',
...." .llIlholl '01"*11 "'I "'1111 .., ...1.0' ..",I ,...Ia.III.. hl,hllll..a,l" w.", Willi.., 'U;.I,I.\I.
.. 'IlI.1 lh. .....I...IM win p.., .n 1'0"''''' ,.111., ';oU'Ii, ...."'....1111, ..11'1 '.1.., ..,,, "11"" .'''h 111.61111 ,I 'II
IMIlItIa .,.1 ('III'.... 111lt. HI IMpu"IIIDtI', 'm whlcla 'tlll'llllJl'l .... ,,1.1I b'-II iIII.J. hllllllh.llN. .,,11 Ih..1 h. will 1""1+1111'
I.. II.h..., If.. OUlCh.' 'Kllpl.. .htrltlll. 10 .. """""'" 'I'ld III d.,...1t 1""'11'1", """..,... .h..1I hnt"'I' 11....111 I..
,I., ...., '1'''' Mo'...... ....11 h..,. 'h ,llhl ... M.llv Illy I'....'..n. .hlch Ih. Mill Ii'" ."ulIl,1 h."" "",,,111, _oj U,I
"",'..," .... .1.0 p., 11'1' lI.h.. I..M Ihlll I. .....,...." 10 rlul'I' Ih, ..nUll)' "I thl' "\1"",,*,,1. .\11 .w,11 nH...
I' w.1I II' .11 (0"', ,,'11 II, 11Il. "0"'.1" pU,...Il' 10 ,ht. In.t,IIIII.,II. .h,1I h. .1M:1I.ld h.,.by ",\.1 1+111111111,., III
'"..1 .llh, ,.,. ,.. rO.lh I" Ih. ."1. .tc\u,d ""'"'' h.. lit. 1.111. .h,,1'l 'II~II '11111.1111 ...hl,
1, ThIll" 'h. ""M Ih, ..hl PI'..'" lit .., pWllhlol,,"'1 .h.1I b. lllhn "' (OM'IlI"''' lOf ""lilt,, '.. '111'1.' ~Ilbllr
Pll'..."...., Ihl 5IIOf" .lIlhUlllht'. lhe "\H',I,Uf d.1I h.-v. n" cl.IIn I..h\llllllll ""lWd'" d.,n..., ,,, I.. ..nI,tI'll I..
,n, ....lIon of 11'11 ...,d unlll 'I'll .lIhln "'OIl..., .h.1I tIC' ....Id Ind .11 ,1.hI.1l1 dlftll'" of 'h. ""'1'111'" .,. h.."b,
''''lIntel lu Ih. .."'11..... l(llh, ",'.nl uf In.. 11'IlI,IJI.ttlll'lI" 111.1 II'III.lnt IInpllIt, Ih. "u,I"IOI. Itulnlllll' "Ihll"
.p",nl ..Id ....d 'u Ih. ,uw," ur co"'p.hll& Iwl"ICIII,II,
,. n'l I' Ih, 1IIII,III'I,U .h.1I "III" 01 ",.Ite' 1.1 trlllk' 0' c..,.., 10 be ,n.II. .11 ,,1'C"....U'l' '''IIU',,, Iu Ih., hl.I",
IWltd "'Oplrl1r. Ihl" II th. Opl,'II\ ul Ih. .."'''I..... Much Iltpllltll "'II' b. Iud. II Ih. ..p."n ul III. "lllli'Il". oInll
Ihl{ ...".t Ih."l'u'. .lIh lnll,..1 .1 Ih. III"" '"I. .. ,II. p.1nlollt"llh'bl Ih,1I b" _d." 10 ."" hlllll. ., IhUI ", Ill" ~,U'h I'
'111 II.bI ....ulld htlub,.
q '",lit II al '''r Ii",.. 101 Itll ul 'h'fl F'oI'I.' ,II' "Ih., .'k"1I1101l I. ,lop"l, 1,.\1;1,1 1I1'/)1\ . 111111'1110'111 fl'"'II'IIIt"
llpun Itld "01'. 01 If II W.lI 01 $ch. "'-':111 i. i..".,1 toI, ulltl'r hHII\,III'u" rUI",dlllll' 1II11111i1.II "1101+1 tltl' 1IIU1ILIIl:',
and renaa\Ahle AttonWIY"J fnl!tt
.hall b. ",able. 11111 .1'1.11 b, 1_101"...41" .~111UfI I.,. ..111'11I1(11,.1 .lId Inl..,..~1 ,"d .1I...,h., ".I,:II.,...alol.. II".' 111"1
dll.. bellld,,, "0'" of 1Il1l. ..." .h. llun,.aa' d~ hll,.l"r ".......11 .ltlV. ...4'1I11"....lIh 1111 ~"..'"I1..II"'.r .,...."'.
Iu I'll. "r vlflu" 0' '''r ..... 'V'flV I...,. ()vll 0' .llIla.,. ",,,II,, o. lu b" "'Id. h,,,"h., '''.111111118 Ihlt mllJlr.ar,wd ...1...
I... 0' ....1 o'h.r pllllll.,. 0' "","1., ..h'"Yer. .lIhllf ,..1 o. j'I."on.l. hOIll .n.Ch..'II. Inl ."... 1111161 11"11,, ....
(.II-Nl, UI' .n~ "." ollh. ,fIIIIo:..... '111I1Ie 1m. ..nr ...1. Ih.....ul. .nd .11 bI",ltl ..., If" Ilay 101' I' Jill 1111",,, WI ...,Il..
"oc....
10, n.t .hOllId Ihl. _,Ip" .nd the 1\01. ....N ",,,by nol be .helbl, 'Ii' htl..,IIU;. II"J", ,,,. "....11",.111......
I.. Ac' .lIhln l) dMyl (,,* .11, .hll. "..ota' (WIlli'" .fll...1l1 0'''' 01n~1I1 01 the l).p.'I..... 0'
no...". .,.4 Ihbell r,.~.I..."" 0' .lIlho".... '1""1 II' Ih" S"""II1' 0' 1I,....lIn. lIIld U,b. n",.lul'I...~' J.It'" .."...
lit.,.,,,, '0 Ih. JO dayl 11-.. h,,,,, 11", "'If"" /lllh.. ""'1..""'. JUIIlIlIl' 10 1111"'" "...1 "'''II..,.. an,1
1101., b.ln. d".",.,4 condllllv, "00' 0' ,"...h IMII.,t'lhlt). Ill. '",I"., u' It.. .'...,....111 .1I.ta.~" ......, nl.I.. U. 1:11...,
......ut. "'I ....."". M'r. .1 II. ...-Ion. .....1.. the .JlI~"'1I IfnJ nlll" In -,,,111I1t 4I.II..n ....... "'''11''.'' I.. 11Il.y I.",..JI'
.leI., ... M4 .."able.
AHI) PMo\lHil1"l ALJO. .lIltl .he" II liGOn .. .1", !,III1CIIIUI ""b!: 01' IIMMI ..,..., "cule.J "hltll bo.ro"'..... 1111,1
,'rllbl. u ..fo'...ld, Of In ,u. 4,(11..11 .1I.n M ..",10: In Ih. PIV"'''' ul .., InllltllM..1 .1' .,'lnl'lp.1 ,,"" 1",,,,,..1,
III IIlr _OIl'hl., ..,...nl h.'el".h~.... ,ro"'lded 'u.. o. III 11111 ""('11I1 .".. 1N"OrtU",. Itr 1"_ ....'III;..;U1 U, I,", "Ilfll'
lu... ,INtdUlufl, UI 1;0\'",11111. of 11'1. _flIIIC' 1M "'0 ,..,1. loiot'-'\II" Il.,.~. II .h..U .1lId .11)' ... III" ,..I "'1 ..... fI."l.
I.... fOIlIll.ull 10 hUll' ., ActI.... o' lIIort"I' ,,,,,.du.uI't. 10 ~Il' oul II '''lor kit. '"Ill', 0' .'" ..tllIl..I, (tIII",
'CM.cI....,. '10\ ..dllll' upon 'III.. _0111.'. .,,4 10 r,autd II. l"dl"'...1 I..d 'U':IIIWIl '.l, IIIII",V", ,I' '11111 I'll.. Illwl
""ll, .11 I.,.,... Ihlff"". .n .11.... .4_'"r..4 '0' per-."I of ,")' "'0101,,11I Ifnt. I.u... ..111 11111.. ~ I"..".., ..,..11.... O.
IIltUllIIU ,...1".. .. "Of..tl.., .,,4.11 olh., 'lCov...bl. .11.... 101111'1.. willi "' ,uo"'fY'. CO..IUIOII In, enllac.
110ft. .IUlOtI' t..,.h" '")1 O. "".UO' It oU'l.. ..oc.... "'.. III.. ""1' Of' Clltl.. to 'II, cOI'II",., "0'.11".1.....111..
lilt 11I0'11"0' h.,."", ..h.. 1M" ..U...I.h.. ...10 Ind In I.vu, 0' Ih. ..1.1"1...., .11 h""lt ".~., 'h., I....... III
.1f1C' Of Ill....".. p"lItd 10 ,.hev. Ih, Mo"...., 11'1 11"I, "."""'. '" I. ..dIlClIIll. ".0""1 v, II.. n.,I. lu "I' ,,'.1'.
..1."1 Ih,,, 'h. 'lIllIu,,1 1e1".II) ,'Id fo, Ih. 5"...11' h."b, .orllllld .1 Ih. III. U..II0' III .,lV )11111"1.1 ..,....'.tttI.
III" "fIH 'h. llI.a ~I'IJ' \1,0' thl. ...11....
nu't P.OYIUIU A,.WAY', Ih.1 I' ..I' ..011..01 JiA. ,.., Of (..... 10 ... ,.... '0 dI. III' ..0'1.....", I.. "IH"
..hi ..... o. ptll'l",.1 .". IIcun" ~ I... ..rll.... "" 'h. "r .", II.. III'l4 hi'" _MIl.. h..II.....Iu.w ."''''11''''
1".f'lI" .11" IflIII...1 MtI .n .... ...._... ,., ,,,."'1 0' '"' lfO'l"d """. I..... ..111 "/lUI, IIMWfll. 1111. ........
.., ,lIot h.... che,... cl.i.. a' 1"'.,,-,:, '''.1..' II' .to,...II. ~a' 11I,""",. .d tilt .1I.tf I..,..., ".,.Ie'
.hlt CHII ..\1 ~tco., 1tO'4. .,1II1., ".......,... COftI.l"ed 10 III, co. I'..., 1I01w1l"""'",,
n. cove"..I'''.''I" COli'."''' ....11 ~..#. eM Ih,w,,'iI, .... Mw...... ....1111111.. III. l.h, ,.""..:11" ""II,
ute.IOrI. 14_..I''''hH'. ncc'.I.". .... ...1.. 0' I". p.,tI.. h...... "."...... ....,. tll. .11I1..1., 1'1".'" "11111
IIChI4, .., ,_...1, .". ,hlf.elJle ......1.....4 dI, ,.. '" .,., ...11. ....n ~. ,"11....,. .. .111"'4....
BOOK (;'if: 1m "tlJ
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I, tho \nIeu ljpled . do h."llI'
U,ti'r Ihlll'" could ,dd,... of Itwlwllhll.,nlllltd Mortlll" II 11 Allison Drive, Olerry lUll, New Jeney
.11,..... M, hltd lhl,
4th
4., 0' HudI , 19 80
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COllllONWEAL TH or PENNSVLVANIA. I
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COUNT V or o.nberlald I
CltlIlhl. 4th d., of MIrc:h . A. O. 19 80 . before 1'1'I1, the
a\b.crlber. . No~ PlbUc In ond for the CcmtI:nlUlth of P....ylvmU, nalclinA
In OJnbe'rland C,ou,ty n.... lhl IbUYI.".m.d Lyrwt A. ~ and BeatrlceH. PDw, his wife
,.0'"''''''''''
" '. \. .,;, 'nd
Huowl,dlt'd thl within ind.tthlll of "arll"" hI be their Cld each of their acl Inti .'d, ."1.,...~,'td Ih.
.."'. lo~. "cold.lI.. such. ~ ,.' I". "
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KNOW A~~ MEN IIY Tun, PNUENTI. """ IlIHHlor llO~T'QAO. co., , . <0"".11..
IIfI"U'N .,.. 11,1111"1 ......" Ilrw ..... !If I~. 't'l, .. HI'. J"..,. w,I" u. ,.i..&,.1 ~h... I. Ih, .
C""",, III C._" utJ "'1. .. .... Jel"~. Ib ........"., ....,4 '. lhe I_UhU, 01 ............ h,,.IIl,'I,,
_"1\0fI~. 11M u4 ,. CIWl,ltI".IIIM utlh. 111I.11I 'l'hJ.rty two thouIM'Id------..-..-.....--..-..-..-__
'.................--...........-......-00/100 CI 37.,000.00 '01111.... I,.'wl .1....' III .",
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.,,, M'Ulr,"KOI III KEH1If:O't HORTIJAQI CO.,
I" Ih.. ~Il/l"lp,,1 .un ~ll S 32,000.00
Iloro<.oWI 0'
of ClI1terllbl
,.. 334 Fltth Sn-.et
, hltltlll,'lr, Iff'H,d 10
d.,.d March 4 I~ All
, l.'OV"IIlI (.11.,,, pt'",,,u luel,.d "'
Now nnt>erlmd CO..I~
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,,,d III 11I0'. p.,lit...I.", dtlC"ib.d "I ..,d "011111", which ..Id "CHili.' I, "C'oll~.d In UooII
ul ..0"...... I' I'll'. 6c. '0' CUYberlald C""''''r.
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PUntlp.llIlld 1"1."'1. d.... ,ft4 10 .'OW d.,. Ih....". ft_ April 1 , 19 80
willi Iht W'"'"I of AlIllI"r, 10 Ih. lI,d IJbll.'lIon un.ud, TO.'lh., ."h .11 "Ihll. It"'lItdl" Ind
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10th.llllU
TO HAVE AND 'ra IIIlI.D, RECEIVr. AND TAKE. .11 ,nd .'n.ul., Ih. "...dil''''''I'' 'nd ,"''''1..,
he,..b, ,"'"1" w'"" ,u'lnl'd. Of M'nIICHl~d 'nd ."ltnd.d '0 10 be. with 11'1. 'l1p...'"n'n".. "'nlo Ih~ 1114
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11'1'11 hlu. .Ad unl.". Ih".i",
AND'rr TIIF. SAIO KlNNICJr MORTOAOI CO.,. dOln h.,.br CO\""'nl. "_1" .nd ..'"
10 onct wilh Ih~ told AII'a"It' 1f1'1 I"'" II "OW d.... and owl". ...pon the ..'d bQnd, "oc. 0' oth., 01111,"1...
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Ihl. "'ICMIUI,
IN WITNESS WItEREO'. KlNtllDl' MOR1cUOI CO., .... ,40pt.d Ih. ...llNlnl...' h.,...
'01 1M <<e..IOft 'M 10' III COfpor.11 ...1 .rMI h" c'lu.d 11'1.., '"....... 10 be ""cIIIIII ~ II' p.",.,
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M'i're S, Raed.. " . who ,dnOVlll..du.t hll"...1f It)
tt. Ih. v".. r'''ld'''1 uf KOMOdy Hort.... Co., II "O,,"'.I,OfI.
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Notic. ot Intention to Foreclo.. Mortgage
AprU 25, 1997
Late ChaZ'ge. of 11.19
pe~ month due after tbe fifteenth day of ~
IlIOnth hoa 'ebruary 01, 1997 to tbe date of
tbi. letteZ' (a total of 3 montb.)
end each month thereafter.
Page 2
54.57
TOTAL AMOUNT DUB:
1,432.29
You may cure this default within THIRTY (30) DAYS of the date
of this letter, by paying to us the above amount of:
$1,432.29
PLUS any additional monthly payments and late charge. which may
fall due during this period. Any additional monthly payments and
late charge. will accrue at the amount. set. forth above. Such
payment must be made either by cash, cashier'. check, certified
check or money order, and made to:
ATLANTIC MORTGAGE " INVESTMENT CORPORATION
4348 SOUTHPOINT BOULEVARD
SUITE 101
JACKSONVILLE, FLORIDA 32216
ATTN: ROBERT PILARSKI
If you do not cure the default within THIRTY (30) DAYS, we
intend to exercise the lender's right to accelerate the mortgage
payments. This means that whatever is owing on the original &mOunt
borrowed will be considered due immediately and rou ~ay lose tbe
chance to payoff the original mortgage in month y installments.
If full payment of the amount of default 11 not made within
THIRTY (30) DAYS we al.o intend to instruct our attorney to .tart a
lawsuit to foreciose your mortgaged property. If the mortgage i. fore-
closed, your mortgaged property will be sold by the Sheriff to pay
off the mortgage debt. If we referrour case to o~ attorner" but
you cure the default before they beg n legal proceeding. aga n.t rou,
rou will still have to pay the reasonable attorney" fees, actual y
ncurred, up to $50.00. However, if legal proceeding. are Itarted
against you, you will have to pay the realonable attorney'. fee. even
if they are over $50.00. Any attorney" fees will be added to what.ver
you owe us, which may allo include our reasonable COlt.. If you cure
the default within the thirty day period. you will not be required to
pay attorney's fees.
DR107
.'. ........
.
.
(
~
Notice of Intention to For.clole MoZ'tg.ge Page 3
April 25, 1'97
The lender may .110 .u. you per.on.lly for the unpaid
principal balance and all other .um. due under the mortgage.
If you have not cured the default within the THIRTY (30) day
period and foreclo.ure proceeding. have begun, you .till have the right
to cure the default and prevent the sale at any time up to one hour
before the Sheriff's or other similar official foreclosure sale. You
may do so by paying the total amount of the unpaid monthly payments
plus any late or other charges then due, ao well as the reasonable
attorney's fees and costs connected with the foreclosure sale and
perform any other requirements under the mortgage. It is estimated
that the earliest date that such a Sheriff's or other similar official's
sale could be held would be approximatelr seven months from tOdar' A
notice of the date of the Sheriff'. or s milar official sale wil be
sent to you before the .ale.
Of course, the amount needed to cure the default will increase
the longar you wait. You may find out at any time exactly what the
required payment will be by calling us at the following number:
(800) 288-2642
This payment must be cash, cashier's check, certified check or money
order and made payable to us at the address stated above.
You should realize that a Sheriff's or other similar official sale
will end your ownership of the mortgaged property and your right to
remain in it. If you continue to live in the property after the
Sheriff's or other similar official sale, a lawsuit could be started
to evict you.
You shall have the right to assert in the foreclosure
proceedings, the non-existence of a default or any other defense that
you may have to acceleration or foreclosure.
DR025
\'
. ..1:".c:.:::_.
,
,
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Notice of Intention to Foreclo.e Mortgage
April 25, 1997
Lat. Cba~g.. of 11.1'
per .ontb due aft~r the fifteentb day of the
month fZ'oa 'abruaZ'Y 01, 1997 to the date of
this letter (a total of 3 month.)
and each month thereafter.
TOTAL AMOUNT DtTIIl
Page 2
54.57
1,432.29
You may cure this default within THIRTY (30) DAYS of the date
of this letter, by paying to us the above amount of:
$1,432.29
PLUS any additional monthly payments and late charges which may
fall due during thi. period. Any additional monthly payments and
late charge. will accrue at the amounts set forth above. Such
payment mu.t be made either by cash, cashier's check, certified
check or money order, and made to:
ATLANTIC MORTGAGE & INVESTMENT CORPORATION
4348 SOUTHPOINT BOULEVARD
SUITE 101
JACKSONVILLE, FLORIDA 32216
ATTN: ROBERT PILARSKI
If you do not cure the default within THIRTY (30) DAYS, we
intend to exercise the lender'S right to accelerate the mortgage
payments. This means that whatever is owing on the original amount
borrowed will be considered due immediately and rou may lose the
chance to payoff the original mortgage in month y installments.
If full payment of the amount of default is not made within
THIRTY (30) DAYS we al.o intend to in.truct our attorney to start a
lawsuit to foreciose your mortgaged property. If the mortgage is fore-
closed, your mortgaged property will be sold by the Sheriff to pay
off the mortgage debt. If we refer rour case to our attorners, but
you cure the default before they beg n legal proceeding. aga nst you,
YOU will still have to pay the reasonable attorney'. fee., actually
ncurred, up to $50.00. However, if legal proceedings are started
against you, you will have to pay the rea.onable attorney's fees even
if they are over $50.00. Any attorney's fees will be added to whatever
you owe U8, which may also include our reasonable costs. If you cure
the default within the thirty day period, you will not be required to
pay attorney'. fees.
DR107
. ~. ; ~.....,........ ..
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I'
Notice of Intention to por.clo.e Mortgage
April 25, .U97
The lender may .1.0 .u. you per.onally for the unpaid
principal balance and all other .uma due under the mortgage.
If you have not cured the default within the THIRTY (30) day
period and forecloeure proceedings have begun, you .till have the right
to cure the default and prevent the sale at any time up to one hour
before the Sheriff's or other similar official forecloeure sale. You
may do so by paying the total amount of the unpaid monthly payments
plus any late or other charges then due, as well as the reasonable
attorney'e fees and costs connected with the foreclosure sale and
perform any other requirements under the Iftortgage. It is estimated
that the earliest date that euch a Sheriff's or other .imilar official's
sale could be held would be approximatelr seven months from todar' A
notice of the date of the Sheriff'. or S' milaI' official sale wil be
sent to you before the .ale.
Of course, the amount needed to cure the
the longer you wait. You may find out at any
required payment will be by calling us at the
Page 3
detault will increase
time exactly what the
following number:
(800) 288-2642
This payment must be cash, cashier's check, certified check or money
order and made payable to us at the addre~s stated above.
You should realize that a Sheriff's or other similar official sale
will end your ownership of the mortgaged property and your right to
remain in it. If you continue to live in the property after the
Sheriff's or other similar official sale, a lawsuIt could be started
to evict you.
You shall have the right to assert in the foreclosure
proceedings, the non-existence of a default or any other defense that
you may have to acceleration or foreclosure.
DR025
"
"
~
(
,J
Notic. of Int.ntion to 'or.clo.e Mortgag.
April U, 1997
Late Charge. of 11.1'
peZ' .ontb 4ue after tbe fift.entb day of th.
month trOll 'ebruary 01, 1997 to tbe 4ate of
tbi. letteZ' (a total of 2 .onth.)
and .ach month th.r.aft.r.
Page 2
U.38
l,4U.10
TOTAL AMOUNT DtTIIl
You may cure this default within THIRTY (30) DAYS of the date
of this letter, by paying to us the above amount of:
$l,4U.l0
PLUS any additional monthly payment. and lite charge. which may
fall due during thi. period. Any additional monthly payment. and
lat. charges will accrue at the ~ounts set forth above. Such
payment mu.t be made either by cash, cashier'. check, certified
check or money order, and made to!
ATLANTIC MORTGAGE , INVESTMENT CORPORATION
4348 SOUTHPOIN'l' BOULEVARD
SUITE 101
JACKSONVILLE, FLORIDA 32216
ATTN: ROBERT PILARSKI
If you do not cure the default within THIRTY (30) DAYS, we
intend to exercise the lender's right to accelerate the mortgage
payments. Thi. means that whatever is owing on the original amount
borrowed will be considered due immediately and you may lose the
chance to payoff the original mortgage in monthly installment..
If full payment of the amount of default i. not made within
THIRTY (30) DAYS, we also intend to instruct our attorney to start a
lawsuit to foreclose your mortgaged property. If the mortgage i. fore-
closed, your mortgaged property will be sold by the Sheriff to pay
off the mortgage debt. If we refer rour case to our attorner" but
you cure the default before they beg n legal proceeding. aga n.t rou,
Iou will .till have to pay the reasonable attorney" tee., actual y
ncurred, up to $50.00. However, it legal proceeding. are .tarted
again.t you, you will have to pay the reasonable attorney's fees even
it they are over $50.00. Any attorney's fees will be added to whatever.
you owe us, which may also include our reasonable costs. It you cure
the default within the thirty day period, you will not be required to
pay attorney's fees.
DR107
.' .
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"
Notice of Intention to Forecloae Mortgage
ApZ'il U, 1997
The lender may allo .ue you per.onally for the unpaid
principal balance and all other lum. due under the mortgage.
If you have not cured the default within the THIRTY (30) day
period and foreclo.ure proceeding. have begun, you .till have the right
to cure the default and prevent the sale at any time up to one hour
before the Sheriff's or other similar official foreclosure sale. You
may do so by paying the total amount of the unpaid monthly payments
plus any late or other charges then due, as well as the reasonable
attorney's fees and costs connected with the foreclosure sale and
perform any other requirements under the mortgage. It i. e.timated
that the earliest date that .uch a Sheriff'. or other .imilar official'.
sale could be held would be approximatelr .even month. from tOdar' A
notice of the date of the Sheriff'. or . milaI' official .ale wil be
sent to you before the sale.
Page 3
Of courle, the amount needed to cure the default will increase
the longer you wait. You may find out at any time exactly what the
required payment will be by calling us at the following number:
(800) 288-2642
This payment must be cash, cashier's check, certified check or money
order and made. payable to us at the address stated above.
You should realize that a Sheriff's or other .imilar official sale
will end your ownership of the mortgaged property and your right to
Z'emain in it. If you continue to live in the property after the
Sheriff's or other similar official sale, a lawsuit could be started
to evict you. .
You .hall have the right to assert in the foreclosure
proceedings, the non-existence of a default or any other defense that
you may have to acceleration or foreclosure.
DR025
. ,....
"
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..'
.' ,
,
Notice of Intention to Foreclo.e Mortgage
April 14, 1997
Late ChaZ'g.. of 1'.19
peZ' montb due aft.Z' th. fift..ntb day of the
month froa 'ebruaxoy 01, 1997 to the date of
thi. l.tt.r (a total of 2 montb.)
and .aoh month thereafter.
Page 2
TOTAL AMOUNT DO'l!lI
34.31
1,414.10
You may cure this default within THIRTY (30) DAYS of the date
of this letter, by paying to us the above amount Ofl
$1,414.10
PLUS any additional monthly payment. and late charges which may
fall due during this period. Any additional monthly payment. and
late chargee will accrue at the amounts set forth above. Such
payment must be made either by cash, cashier's check, certified
check or money order, and made tOt
ATLANTIC MORTGAGE , INVESTMENT CORPORATION
4348 SOUTHPOINT BOULEVARD
SUITE 101
JACKSONVILLE, FLORIDA 32216
ATTN. ROBERT PILARSKI
If you do not cure the default within THIRTY (30) DAYS, we
intend to exercise the lender's right to accelerate the mortgage
payments. This means that whatever is owing on the original amount
borrowed will be considered due immediately and you may lose the
chance to payoff the original mortgage in monthly installments.
If full payment of the amount of default is not made within
THIRTY (30) DAYS, we also intend to instruct our attorney to start a
lawsuit to foreclose your mortgaged property. If the mortgAge is fore-
close~, your mortgaged property will be sold by the Sheriff to pay
off the mortgage debt. If we refer rour case to our attorner.' but
you cure the default before they beg n legal proceeding. aga nst IOU,
rou will still have to pay the reasonable attorney's fees, actual y
ncurred, up to $50.00. However, if legal proceeding. are started
against you, you will have to pay the reasonable attorney's fee. even
if they are over $50.00. Any attorney's fees will be added to whatever
you owe us, which may also include our reasonable costs. If you cure
the default within the thirty day period, you will not be required to
pay attorney's fees.
.'
DR107
"
\.
t'
.' .
Notice of Intention to Poreclo.e Mortgage
April 14, lt97
The lender may allo .ue you per.onally for the unpaid
principal balance and all other sum. due under the mortgage.
If you have not cured the default within the THIRTY (30) day
period and foreclo.ure proceeding. have begun, you .till have the right
to cure the default and prevent the .ale at any time up to one hour
before the Sheriff'. or other similar official foreclosure ~al.. You
may do so by paying the total amount of the unpaid monthly payments
plus any late or other charges then due, as well as the reasonable
attorney's fees and costa connected with the foreclosure sale and
perform any other requirements under the mortgage. It is estimated
that the earliest date that such a Sheriff'. or other similar official'.
sale could be held would be approximatelr seven months from tadar' A
notice of the date of the Sheriff'. or 8 milar official .ale wil be
sent to you before the sale.
Page :I
Of course, the amount neoded to cure the default will increase
the longer you wait. You may find out at any time exactly what the
required payment will be by calling us at the fOllOWing number:
(800) 288-2U2
This payment must be cash, cashier's ch~ck, certified check or money
order and made payable to us at the address stated above.
You should realize that a Sheriff's or other similar official sale
will end your ownership of the mortgaged property and your right to
remain in it. If you continue to live in the property after the
Sheriff'8 or other similar official sale, a lawsuit could be started
to evict you.
You shall have the r.ight to assert in the foreclo8ure
proceedings, the non-exi8tence of a default or any other defense that
you may have to acceleration or foreclosure.
DR025
"
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