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Home My WebLink About03-0181 SAIDIS SHUFF, FLOWER & LINDSAY ATTORNEYS.ATeLAW 26 W. High Street Carlisle, PA Geoffrey S. Shuff, Esquire ID #24848 SAIDIS, SHUFF, FLOWER & LINDSAY 26 West High Street Carlisle, PA 17013-2956 Telephone no.: 717-243-6222 Fax no.: 717-243-6486 CITIZENS BANK OF PENNSYLVANIA, Successor in interest to MELLON BANK, N. A. Plaintiff V. DAWN M. RUFO, ADMINISTRATOR D.B.N.C.T.A. OF THE ESTATE OF KENNETH I. REPP Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - Law MORTGAGEFORECLOSURE NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAVVYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW T( FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 2 Liberty Avenue Carlisle PA 17013 717 - 249 - 3166 800 - 990 - 9108 AVISO Le han demandado a usted a la corte. Si usted quiere defenderse en contra estas demanda.~ expuestas en las paginas siguientes usted tien veinte (20) dias de plazo al partir de la fecha de la demanda t la notificac on. Usted debe presentar una apariencia escrita o en persona o pot abogado y archivar en la corte en forma escrita sus defensas o sus objeciones a las demandas en contra suya Se ha avisado que si usted no se defienda, la corte tomara medidas y puede entrar una orden contra usted sin previo aviso o notificacion y por cualquier queja o alivio que es pedido en la peticion de demanda. USTED PUEDE PERDER DINERO O PROPIEDADES O OTROS DERECHOS IMPORTANTE,, PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI USTED NO TIENE CONOCES UN ABOGADO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUY/ DIRECCION SE ENCUENTRA ESCRITA ABA JO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIF ASISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle PA 17013 717 - 249 - 3166 800 - 990 - 9108 SAIDIS SHUFF, FLOWER & LINDSAY 26 W. High Street Carlisle, PA Geoffrey S. Shuff, Esquire ID #24848 SAIDIS, SHUFF, FLOWER & LINDSAY 26 West High Street Carlisle, PA 17013-2956 Telephone no.: 717-243-6222 Fax no.: 717-243-6486 CITIZENS BANK OF PENNSYLVANIA, Successor in Interest to MELLON BANK, N. A. Plaintiff V. DAWN M. RUFO, ADMINISTRATOR D.B.N.C.T.A. OF THE ESTATE OF KENNETH I. REPP Defendant COMPLAINT IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO.: 03 - hPl CIVIL ACTION - Law MORTGAGE FORECLOSURE AND NOW, comes the Plaintiff, Citizens Bank of Pennsylvania, Successor in Interest to Mellon Bank, N. A, by and through its Attorneys, SAIDIS, SHUFF, FLOWER & LINDSAY, and files this Complaint, alleging in support thereof the following: 1. Plaintiff, Citizens Bank of Pennsylvania, Successor in Interest to Mellon Bank, N. A, is a financial institution Incorporated and existing under the laws of the Commonwealth of Pennsylvania with a principal office located at 100 Sockanosset Crossroads, Cranston, RI 02920. 2. The Defendant, Dawn M. Rufo, Administrator d.b.n.c.t.a, of the Estate of Kenneth I. Repp ("Decedent"), is an adult individual whose last known address is 1415 Presidential Drive, Whitehall, PA 18052. 3. On or about September 6, 1996, the Decedent borrowed from and agreed to repay to Bank the sum of Forty-eight Thousand and 00/100 dollars ($48,000.00) ("Loan"). As security for the Loan, Decedent executed and delivered to Bank a mortgage ("Mortgage") on that tract of land together with the buildings and improvements erected thereon situate in the Borough of Lemoyne, Cumberland County, and Commonwealth of Pennsylvania, known and numbered as 711 Hummel Avenue, Lemoyne, PA 17043. At all other times relevant hereto, the Decedent whose estate is represented by Defendant, has been and remains the record and sole owner of the property. A description of the property is attached hereto, made a part hereof and marked as Exhibit "A". 2 SAIDIS SHUFF, FLOWER & LINDSAY 26 W. High Street Carlisle, PA 4. On or about September 13, 1996, the Mortgage was recorded in the Office of the Recorder of Deeds of Cumberland County in Book 1341, Page 150. A copy of the Mortgage is attached hereto, made part hereof and marked as Exhibit "B". 5. The Mortgage was never assigned by Bank and is still held by it as a valid and subsisting obligation of Defendant. 6. Under the terms and conditions of the Note ("Note"), the Decedent agreed to make monthly payments to Bank in the amount of Four Hundred Twenty-nine and 00/100 Dollars ($429.00) beginning October 5, 1996, and continuing on the 5th day of each month thereafter. 7. The Decedent and the Defendant have breached the terms and conditions of the Mortgage and Note and are in default under such terms and conditions because they have failed to make payment required in accordance with the terms thereof for July, 2000, and subsequent months. 8. Defendant is presently indebted to Bank, as of November 5, 2002, in the amount of Forty-three Thousand and Two Hundred and Thirty-two and 39/100 dollars ($43,232.39) itemized as follows: Principal Balance Interest to and including 11/05/2001 at $5.33 per diem $ 7,481.98 Late Charges $ 90.00 Attorney collection fees $ 1,765.00 Total Due $43,232,39 $33,895.41 9. The Decedent also agreed under the terms of the Mortgage that in the event of default thereunder the Decedent would pay, in addition to the charges listed in paragraph 8 above, costs incurred by Bank as a result of the institution of these legal proceedings. 10. The obligation owed by Defendant to Bank continues to accrue interest thereon at the rate of $5.33 per diem, through the date of payment, including on and after the entry of judgment on this Complaint, and continues to accrue late charges, and attorney's fees. 11. In accordance with the Homeowners' Emergency Mortgage Assistance Act, Act of December 23, 1983, P. L. 385, No. 91, 35 P. S. Section 1680.401c et seq., and Act of January 30, 1974, P. L. 13, No. 6, 41 P. S. section 101 et seq., and in particular section 403, a combined Act 91 / 6 Notice of SAIDIS SHUFF, FLOWER & LINDSAY ATtORNeYS.AT*LAW 26 W. High Street Carlisle, PA Intent to Foreclose and of Defendant's rights under said Acts was forwarded to Defendant on November 19, 2002, by United States mail, first class, postage prepaid, and certified mail, return receipt requested. A copy of said Notice is attached hereto and marked as Exhibit "C". 12. Copies of the mailing receipts, and postal forms 3817 and 3811, evidencing mailing and receipt of said Notices are attached hereto and made a part hereof and marked Exhibit "D". 13. Bank has made demand upon the Decedent to cure the default under the aforesaid Mortgage and Note. However, Defendant has refused and failed and continues to refuse and fail to cure this default WHEREFORE, Plaintiff, Citizens Bank of Pennsylvania, Successor in Interest to Mellon Bank, N. A., demands judgment against the Defendant, Dawn M. Rufo, Administrator d. b. n. c. t. a. of the Estate of Kenneth I. Repp (Decedent), in the amount of Forty-three Thousand Two Hundred and Thirty- two and 39/100 dollars ($43,232.39) plus interest at the rate of $5.33 per diem through the date of payment, including on and after the date of entry of judgment on this Complaint, and costs, and for foreclosure and sale of the mortgaged property situate in the Borough of Lemoyne, Cumberland County, Commonwealth of Pennsylvania known and numbered as 711 Hummel Avenue, Lemoyne, PA 17043, as more particularly described in Exhibit "A". Dated: January 7, 2003 SAIDIS, SHUFF, FLOWER & LINDSAY By:~ ~.~:~¢e~,~. Sh~, Esquire Attorney fo~intiff Geoffrey S. Shuff, Esquire ID #24848 SAIDIS, SHUFF, FLOWER & LINDSAY 26 West High Street Carlisle, PA 17013-2956 Telephone no.: 717-243-6222 Fax no.: 717-243-6486 CITIZENS BANK OF PENNSYLVANIA, Successor in Interest to MELLON BANK, N. A. Plaintiff V. DAWN M. RUFO, ADMINISTRATOR D.B.N.C.T.A. OF THE ESTATE OF KENNETH I. REPP Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO.: CIVIL ACTION - Law MORTGAGE FORECLOSURE VERIFICATION I verify that statements made in this Complaint are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa. C. S. §4904, relating to unsworn falsification to authorities. Dated: CITIZENS BANK OF PENNSYLVANIA, Successor in Interest to MELLON BANK, N. A. By: Thomas AraUjo Foreclosure Specialist I.~ ANN~ BANN R~Pp BY K~..N#KTH ~. REPp f" HELl,ON 9Af~r N. A. TIX PlrCM #,- P.O. BOX A49 P~'I'TSBURGH, PA ~5230-*0~49 VOEm4J016 0.-;75 0dill6 090696 1.1:49 ' /.~.,-'-- ,' . , - .Pa~$ol',.$ ~.,~ :qHIBIT A .... · ~.,,.. ~ ' ~ ~J" ~ecures Fufure"~;(~ ....... ' ~""'""' '~~oo · a~)v~ thc ...... - xIl~on Ban~' M.A. ~ timir~.fu~j ()hi in fu" ' '~ '~(]fI~C and -,, -,r~ and cyril ....... '-- ~nf, S~ifi~ in'lh~:' ~(~~ :md .,dvancc~ ch-r-~ ~',.~?l[ml (~( al~ ,u-larl~,,fin~.,,fuflt~r~lv. m h~lnaf~cr ca ~ (h' 't~ ,. ~grc~mcn all ( ...-.~hl~h tilJc h~ Ibc M )~g~ Pn )h n, -~ c ,'-,--gall(m ) nd )~;..-- o. ~nlCn ~s and c'ncumbr... ...... U ,C~Xlga~ :~Jl Ih:,l ocr :, n~,;; ~) M~rl~gcc 3nd IS c~;lim~, arid c~--~' and i~ ..-*- - ,-.nc unio M.r[-.~...- pc~i Mor...-~. '"} ....... ~r. thal ir~h(, princin:, ~pccrmg thc. ~)ndj itm r hcrcby ap[xJinls M.rfga~:c ;~d *~ ~m ~d a~ig~ ~ h~ agreed h~ idcmnily M~,rtg~cc ~cr Parugru ~h ~1~ ~ ~-ar .ntcr~l ;zt ih~ hi~;ll~l Clio ~rmi l~ ~ law (hut not ~ ~ any ~'~nmcmal authurit} ~ r ~ ~i~. IL~mmhk-. ~ m~ ~ ha~t)~ to human hcullh wcll ~ an~ mulc~a~ nf ~u~lan~ Ihal Table a a~'nd~ [mm dmc f. lime. OTI~ m wr~hng. Mnrlga~w wllZ ncilhc~ q~y m)r ~rmii ~m~rtv. M~)rt~Nq~r will c~)mpiv I Mo~lg,~r'~ ~mwi~h re.rd lo hazardous ~U~laflCL~ or ~)nditi()~ which muy c~isl on ~hc Mor[gag~ Pt~ ~r~ ~1 any ~mc Morlgu~)r will indcmnJ~v and defend any and all liahilhi~ ()r I()~ (ff any [vpe wha ~ ~r wh ch Pm~t. ty*a~ an~ lime: prox?dcd, h~;wc~r, fha1 . g .* , ,I c no obi]gallon undcr This pa~g~ph p~e ~hall rcquirc, in ~uch am~)unts ns M(~rl~g~ shall required ]~, ~()rtgagcc '~lc insurer by M r~g:]?r .~u~icc. I a) :q)Pr(wal hv Mort~gc~: and shall c~mlain k~s ~ay:dqc clausc~ in ~a~r of ~ucn no,icc ~ ~c in~urcr ~ M~r~g~gcc. ~haU deliver written* ~'~dcncc ~g ail such msuran~ '1 lion and pr ncipul place ofbu.~inu.~$ is tt '... ~I],lon I~anl~t I%&; )l:t~e Rccordcr of I KENNL'*T'H z. REPp 141~*%~N BANK N.A. P.O. BOX 149 PZ/*I*$BURGH, PA 15230--0149 ¥4N)0.i30i6 0--r75 00126 090696 Date: To: ACT 91 1 6 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE November 19, 2002 Dawn M. Rufo, Administrator d.b.n.c.t.a. of the Estate of Kenneth Repp 1415 Presidential Drive Whitehall PA 02920 THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE iNDEBTEDNESS REFERRED TO HEREIN AND ANY iNFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY. This is an official notice that the mort a e on our home is in default and the lender intends to foreclose. S ecific information about the nature of the default is rovided in the attached a es. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM HEMAP MAY BE ABLE TO HELP TO ~ins how the ro ram works To see if HEMAP can hel ou must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with ou when ou meet the The name address and hone number of Consumer Credit Counselin A encies servin our Coun are listed at the end of this Notice. If ou have an uestions ou ma call the Penns Ivania Housin Finance A eric toll free at 1-800-342-2397. Persons with im aired hearin ma call 717 780-1869. This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN AD JUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPP,ENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMEP,O MENCIONADO ARRIBA- PUEDES SER ELEGIBLE PARA UN PRESTAMO POP, EL PROGRAMA LLAMADO "HOMEOWNERS EMERGENCY MOP,TGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA FERDIDA DEL DERECHO A REDIMAR SU HIPOTECA. STATEMENTS OF POLICY Homeowner's Name(s): Estate of Kenneth I. Repp Property address: 711 Hummel Avenue, Lemoyne, PA 17043 Loan/Account number: 040707-292 Original Lender: Mellon Bank, N. A. Current Lender / Servicer: Citizens Bank of Pennsylvania, Successor in Interest to Mellon Bank, N. A. tSTANCE PROGRAM ENCY MORTGAGE ASS AN SAVE YOUR HOME HOMEOW"ERS FUTURE MORt ~ ...... FROM FOREgLuou cOMPLY WITH THE PROViSiONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE IF YOU (THE "ACT"). YOU MAY BE ELiGiBLE FOR EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 BEYOND YOUR cONTROL, ASSISTANCE. . IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES IF YOU MEET OTHER ELIGIBILI~ REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA NCY. HOUSING FINANCE AGE ..... 'tied to a tempora~ stay ...... ~= ,lnder the ~c[, you a? ~n~_,:~ ~-dno that time you must ...... e~AY OF FORECLU~, '7 ..... the date of mrs muuv= TEMP~ o ..... . ~ ~'~". ~.~Z' ~...~, o~ a e for th~ (30) ~ays .u,,, , r credit counseling agencies listed at , ' one of the consume AYS tF YOU foreclosure on your m g g meeting w~th NEXT THiR~~ face-to-face ITHIN THE .... _ ~LY FO~ ~ _ OTICE UALLCU DO NOT AP ..... ,: T~~&~ b~ TO DATE. ~~NG ~Uu~ w~ ...... ~FAULT" E~FL~ ....... COU s~~~re set f~*~ at me g A¢~ ~u~ ~ ..... ~o~is Notice. It Is omy .=~ ..... ~of your intentions. E ASSISTANCE - Your moAgage is in a defau t for the reason set foAh · nature of your defau t.) If you ppLICATION FOR MORTG&G for s ecific information about the ~~l~ pages for spe( you have the right to apply for financial later in mis mguu= t--- fo g problem with the lender, have tried and are unable to resolve this Assistance Program. To do so, you must fill out, '. e Proaram Applicat on with one of the ...... f~d omeowner's Emergen? .A~s~t~nd of th s Notice. Only consumer credit assistance from the Homeowner's Emergency Mo~gage sign and Tile a comp~--- ~ ...... ~linn aaenc es ~lsteo aL u,~ ___ in submi~ing a complete designated consumer crealt uuu,,. .... = counseling agencies have applications for the program and they will assist you application to the Pennsylvania Housing Finance Agency. Your application MUST be flied or postmarked within thi~ (30) days of your face-to-face meeting. YOU ~UST FILE YOUR AppLICATION pROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TI~E PERIODS SET FORTH IN THIS LE~ER, FORECLOSURE MAY PROCEED ACAINST YOUR HO~E iMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. Housing AGENCY ACTION - Available funds for emergency reD,gage assistance are veW limited. They will be During that time, disbursed by the Agency under the eligibiliW criteria established by the Act The Pennsylvania . · ye met the time requirements set fo~h Finance Agency has sixW (60) days to make a decision after it receives your application. ...... ~ill be oursued agmnst Y0u.i~ Y°~c;..nce Aaency of its decision on your no foreclosure proce~?~%;~',t v ~v the Pennsylvama HOUSIng r .... above. You will be ~Otlflea uuu~..~ -. application ....... TION IN BANK~ ~YOU ARE CURRENTLY pROTECTED BY THE FILIN60~ ~ r:-, OWINg PART OF THIS NOTICE IS ~OR iNFORmATION PURPOSE ONLY AND ~O~D THE ~LL ~EMPT TO COLLECT THE DEBT. . T B ONSIDERED AS AN ~ ..... n still a~ply for Emergency Mo~gage Ass~s~nce) NO E C (If you have filed bankruptcy yo .... HOW TO CURE YOUR MORTGAGE DEFAULT Brin it u to date NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 711 Hummel Avenuel L;moyne, PA 17043 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Start/End: July 2000 thru October 2002 at $429.00 per month. Monthly Payments Plus Late Charges Accrued $19,467.40 $0 NSF: $ 0 inspections: $ 0 Other $ 0 (Suspense) $19,467.40 Total amount to cure default B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable.): N/A HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY pAYiNG THE TOTAL'AMOUNT PAST DUE TO THE LENDER, WHICH IS $19,467.40 amount, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Pa merits must be made either b cash cashier's check certified check or money order made payable and sent t_o: Thomas Araujo, Citizens Bank, 100 Sockanosset Crossroads, Cranston, RI 02920: Telephone No.: 401-468-5550: Fax No.: 401-435-8125. You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter. IFYOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its ri hts to accelerate the mort a e debt. This means the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments· If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorney to start legal action to foreclose upon your mortqaqe properbz. IF THE MORTGAGE IS FORECLOSED UPON_ - The Mortgage property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorney, but you cure the delinquency before the tender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount owed to the lender, which may also include other reasonable costs· If ou cure the default within the THIRTY 30 OAY eriod ou will not be re uired to pay attorney's fees.. OTHER LENDER REMEDIES_ - The lender may also sue you personally for the unpaid principal balance ~nd all other sums due under the mortgage. ~ PRIOR TO SHERIFF'S SALE - If you have not cured the default within THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the riqht to cure the_ . default and revent the sale at an time u to one hour before the Sheriff's Sale. You ma do so b a ~n the total amount then asr due lus an late or other char es then due reasonable attome's fees and costs connected with the foreciosure sale and an other costs connected with the Sheriff's Sale as s ecified in writin b the lender and b erformin an other re uirements under the mort a e. Curing your default in the manner set forth in this notice wilt restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgage property could be held would be approximately SIX (6) MONTHS from the date of this notice. A notice of the actual date of the Sheriff's 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 or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Thomas Araujo, Citizens Bank, 100 Sockanosset Crossroads, Cranston, RI 02920: Telephone No.: 401-468-5550: Fax No.: 401-435-8125. EFFECT OF SHERIFF'S SALE.. - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may or X may not (check one) sell or transfer your home to a buyer or transferee who will ~'ssum~ the mort-~jage debt, provided that all the outstanding payments, charges and attorney's fees and cost are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: · TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. · TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. · TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) · TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. · TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. · TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY IS ATTACHED. Very truly yours, ~.~..~R & U ND SAY ~~h~//csqu~re cc: (Account no.0275.040707-292 [Mellon Bank] Citizens Bank Attn.: Thomas Aruajo RDC 100 100 Sockanosset Crossroads Cranston, RI 02920 Mailed by 1st Class mail / Certificate of Mailing and Certified Mail No.: 7000 1670 0001 8785 0046 PENNSYLVANINA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES THE PENNSYLVANIA HOUSING FINANCE AGENCY CAN BE REACHED TOLL FREE AT 1 (800) 342 - 2397 CUMBERLAND COUNTY Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Linglestown Road Harrsburg, PA 17102 (717) 541-1757 Financial Services Unlimited 117 West 3= Street Waynesboro, PA 17268 (717) 762-3285 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, PA 17101 (717) 234-5925 FAX (717) 232-4985 YWCA of Carlisle 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX (717) 243-3948 PENNSYLVANINA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES THE PENNSYLVANIA HOUSING FINANCE AGENCY CAN BE REACHED TOLL FREE AT 1 (800) 342 - 2397 LEHIGH COUNTY Consumer Credit Counseling Service of Lehigh Valley 3671 Crescent Court East Whitehall, PA 18052 (215) 821-4011 or 800-220-2733 (717)&(814)only FAX (215) 821-0137 Economic Opportunity Cabinet of Schuylkill County 118 Norwegian Street Pottsville, PA 17901 (717) 622-1995 FAX (717) 622-0429 Geoffrey S. Shaft, Esquire ID #24848 SAIDIS, SHUFF, FLOWER & LINDSAY 26 West High Street Caddie, PA 17013-2956 Telephone no.: 717-243-6222 Fax no.: 717-243-6486 C~TIZENS BANK OF PENNSYLVANIA, Successor in Interest to MELLON BANK, N. A. Plaintiff DAWN M. RUFO, ADMINISTRATOR D.B.N.C.T.A. OF THE ESTATE OF KENNETH L REPP Defendant Daw~ Of the Estate of Kenneth Repp ~ ~"~'~'i'8~ ~ ~F~ Fi'~,~ ................................ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO.: CIVIL ACTION - Law MORTGAGE FORECLOSURE U.~ POSTAL SERVICE CERTIFIC~ MAy.BE USED FOR DOMEST C AND INTERNATIONAL MAIL. DOES ..- PROVIDE FOR INSURANCE-POSTMASTER. Carlisle PA 17013-295(;. ~Ll[l~- g One piece of ordinary mai/addressed to: '~~ -- Dawn M. Rufo ~'~ Administrator d.b n c t a 7i _ 1415 Presidential Drive ~4 Whitehall PA 18052 Ps Form 3817, January 2001 ' · Complete items 1, 2, and 3. Also complete item 4 ~f Restricted Delivery is desire~.. · Pdnt your name and address on the reverse so that we can return the card to you. I~ Attach this card to the back of the rnailpiece, _~!or on the front if space permits. 1. Article Addressed to: Dawn M. Rufo Administrator d-b.n.c.t.a. Of the Estate of Kenneth Repp 1415 Presidential Ddve Whitehall PA 18052 c · Number ' (Trensfer fro~ se~vlce lal~el) PS.Corm 3811, August 2001 t. ~ r-I Agent Date of Delivery D. Is delivery acldress different from item 17 [] Yes If YES, enter [] No .... I"1 R~listered [] Insured Mall [] C.O.D. 4. Restricted Delivery? (Extca Fee) : 7000 1670 0001 8785 0046 Domestic Return Receipt ~'or Merchandise [] Yes 102595-02-M-0835 I EXHIBIT "D" SHERIFF'S RETURN - OUT OF COUNTY .CASE NO: 2003-00181 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CITIZENS BANK OF PENNSYLVANIA VS RUFO DAWN M ADMIN DBNCTA ESTAT R. Thomas Kline , Sheriff or Deputy Sheriff who being duly sworn according to law, says, that he made a diligent search and and inquiry for the within named DEFENDANT , to wit: RUFO DAWN M ADMIN DBNCTA ESTATE OF KENNETH I REPP but was unable to locate Her in his bailiwick. He therefore deputized the sheriff of LEHIGH County, Pennsylvania, to serve the within COMPLAINT - MORT FORE On February 7th , 2003 , this office was in receipt of the attached return from LEHIGH Sheriff's Costs: Docketing Out of County Surcharge Dep Lehigh County 18.00 9.00 10.00 30.00 .00 67.00 02/07/2003 R. Thomas Kline Sheriff of Cumberland County SAIDIS SHUFF FLOWER LINDSAY Sworn and subscribed to before me this ~ day of ~,j,~J~ ~ A.D. ~ ; Prothonotary ~ In The Court of Common Pleas of Cumberland County, Pennsylvania Citizens Bank of Pennsylvania VS. Dawn M. Rufo admin dbn~ta of estate of Kenneth I. Repp SERVE: s~ne 03 181 civil No. Now, January 14, 2003 fiereby deputize the Sheriff of , I, SHERIFF OF CUMBERLAND COUNTY, PA, do LehighCounty to execute this Writ, this deputation being made at the request and risk of the Plaintiff. Sheriff of Cumberland County, PA Affidavit of Service' Now, ., 20 ., at o'clock ~ M. served the within upon by handing to a copy of the original and made known to S o answers, the contents thereof. Sheriff of County, PA Sworn and subscribed before me this day of COSTS SERVICE MILEAGE AFFIDAVIT SHER i FF: OFF I CE: I..EH t Gt..-i 'COLJN'T'Y []OL.IF;:"I'H[]USE: -,...,.:: W I--tAMiL'f'CH',t S'r' RC]C]M 106 ALLFI"4TOWN F'A 18.1.():1..--1614 PAID CIT]:ZENS NATIONAL VS [)AWN RLIF:O; E'T Al... (CUMBERL. AND [L:[] ...... 03- :1. (3 1 ) 1- (3 -,, :. WRI:T : I:;~EIN,S FATED C;OMF'I_A.[I",IT I1',1 MT'(3., '"'""'"". AI'4D NOT I SERVE: :("lAWN M RUFO A.OPltN ]DBh. I[]TA EST []F i<Ei]qNE'I"H REF:'F:' AT : :i. q. :1. 5 PRES :i: [)EIq'T I {Al... )::iR L41-'I ;[ 'i"[:::HAi...L.., F:'A FdE"f'URN '. ............... ,-,,~,. .... .... ::,,. ,:,,.,.~, ............................. /_z_z~ ................... ,~,.:::,__,¢.....' -,.,,~.~, .................. ~.~._.:_.:._. ...................................... .,:,,~,.,~, ............................ 5';. UNABL_E '1'0 LOCA'T'E:: ( ) NUMBER OF A'T'TIFMF'TS T0 LOCATE I]EF:'ErqDAIXl]" AT LA,.--., F KNOWN A]E~DRESS." z.¢..:_ ...................... .-,-, ...... ¢,. ........... ,,, 1. ~-,~.¥'r'E ~.,. "r'~:~E ....................... ~-~-~ ~:., ~ E ~,. -r ~'.~'-~ ......... _7././ ..L..._~ ................................................... 3. DATE ~./. 'T'ZME ..................................... 4. DATES ~-~ "rI'~'lE !5;. DA'T'E: ~-z ]" I F E .................................................... 6. DA'I"E ~,~,: 'T' I 'IE ................................................................................. AC':Ct'EF:']"Af'4L'.E OF SERV!C:E: HEREBY ACCEPT SIERViC;E OF:' TI.4E LEGAl_ f::'I-~OC;ESS AE:~ OUTL. INED CIN THE F'RONT OF THE ][)OCUMENT. :"HIS SERVIC.:E :[,,:..:.; ACC_'.EF:'TE,E~ (]~t'...1 BE:HAL. F:' OF 't~HLC I....IST'E[:~ f'~E:FENOAI'4T(S) AND HERE:BY []ERTIFY THAT' I AM AUf'H[]RI2:E[] f'O 00 SC), F:'R]:NTED NAME Of:' AiJ'fHC~RI;;EE.D AGEN'T' S I[31',IATLJlRE OF AU"FHC)IR I;TED AGENT []ATE: .................................................................................................................................... TIME: ........................................................................................................................................ ,Bill ANF: EE""" . ......................... ::...::..::.....:.~ ........................... .:_..: ............................................... SI.-IER IFF ('IF t_.EH ]]61"1 COUNTY CITIZENS BANK OF PENNSYLVANIA, : SUCCESSOR IN INTEREST TO MELLON : BANK, N.A., Plaintiff DAWN M. RUFO, ADMINISTRATOR D.B.N.C.T.A OF THE ESTATE OF KENNETH I. REPP, Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 03-181 CIVIL TERM : CIVIL ACTION - LAW : MORTGAGE FORECLOSURE PRAECIPE TO TIlE PROTHONOTARY: Please withdraw the Complaint filed in the above-captioned matter on behalf of Citizens Bank of Pennsylvania, Successor in Interest to Mellon Bank, N.A. Date: July 14, 2003 Respectfully submitted, SAIDIS, S } , FLOWER & LINDSAY By: Matthew J.\Eshelman, Esquire Supreme C~urt ID #72655 2109 Market Street Camp Hill, PA 17011 (717) 737-3405 Attorney for Plaintiff