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BENEFICIAL CONSUMER DISCOUNT
COMPANY, d/b/a BENEFICIAL
MORTGAGE CO. OF PENNSYLVANIA
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
v.
NO. 1'<(-- 1 2-
, ,
C!UL-LL
STEPHEN B. LOY and
VIRGINIA L. LOY, husband and
wife,
Defendants IN MORTGAGE FORECLOSURE
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 LAWYER AT ONCE. IF YOU
DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE
THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL
HELP.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
717-249-3166
SAIDIS, GUIDO,
SnuFF &
MASLAND
26 W. High Street
CllrUsle.PA
,- ",'"
.- --...-./
Johnp J. eily, squire
At;6rn~ for aintiff
SXIDIS, GUIDO, SHUFF & MASLAND
26 West High Street
Carlisle, PA 17013
(717) 243-6222
BENEFICIAL CONSUMER DISCOUNT
COMPANY, d/b/a BENEFICIAL
MORTGAGE CO. OF PENNSYLVANIA
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
No. IJ[- 9,2 Ct;.:.J -r:;A~
v.
IN MORTGAGE FORECLOSURE
STEPHEN B. LOY and
VIRGINIA L. LOY, husband
and wife,
Defendants
COMPLAINT
AND NOW, comes the Plaintiff, Beneficial Consumer Discount
Company d/b/a Beneficial Mortgage Co. of Pennsylvania, by and
through its attorneys Saidis, Guido, Shuff & Masland and
respectfully avers the following:
1. The Plaintiff is Beneficial Consumer Discount Company,
d/b/a Beneficial Mortgage Co. of Pennsylvania, doing business
at One South Hanover Street, Carlisle, Cumberland County,
Pennsylvania.
2. The Defendants are Stephen B. Loy and Virginia L. Loy,
adult individuals residing at 203 S. Washington Street,
Shippensburg, Cumberland County, Pennsylvania and are the true
owners of the mortgaged premises.
SAWIS, GUIDO,
SHUFF &
MASLAND
26 W. High Slr<et
Carllsle,PA
3. The Plaintiff brings this action to foreclose on a
mortgage dated May 20, 1993 by and between the Plaintiff and
Defendants in the amount of Seven Thousand Five Hundred and
00/100 ($7,500.00) Dollars. A copy of said mortgage is
attached hereto and made a part hereof marked as Exhibit "A"
and recorded in Mortgage Book 1136 Page 29.
4. Said mortgage is and contains a lien against that
certain tract of land situate in Shippensburg Borough,
Cumberland County, Pennsylvania; a legal description is more
fully described in the attached Exhibit "A".
5. Pursuant to the terms of said Mortgage, the Plaintiff
advanced to the Defendants the sum of Seven Thousand Five
Hundred and 00/100 ($7,500.00) Dollars.
6. The Defendants defaulted under the terms of said loan
by failing to make the monthly payment of $lB9.1B for the month
of May 1997 and subsequent monthly installments.
7. The Plaintiff has given to Defendants a written Notice
of Intention to Foreclose on said Mortgage as required by law
under the Act 6, dated August 27, 1997; a copy of said Notice
is attached hereto and made a part hereof marked as Exhibit
liB" .
B. The Plaintiff has given to the Defendants a written
Notice of Homeowners' Emergency Mortgage Assistance Act of
19B3, the Act 91, dated August 27, 1997; a copy of said Notice
is attached hereto and made a part hereof marked as Exhibit
lIell.
9. To the best knowledge, information and belief of the
Plaintiff, the Defendants have not availed themselves under the
SAIDIS, GUIDO,
SHUFF &
MASLAND
26 W. High St=l
CarIi,I.. PA
protection of Act 91.
10. The following amounts are due under the terms of said
loan:
A. Principal Balance:
$6,750.19
B. Interest at 1B.0% to
12/31/97
946.29
C. Attorney Collection Fee
TOTAL
BOO.OO
$B,496.48
WHEREFORE, the Plaintiff prays Your Honorable Court to
enter a judgment in favor of the Plaintiff and against the
Defendants in the amount of Eight Thousand Four Hundred Ninety-
six and 4B/100 ($8,496.4B) Dollars, plus interest at 18.0\,
plus costs and sale and foreclosure of the mortgaged premises.
Respectfully submitted,
Saidis,
Date:
/;;'.30" 9=t
By:
ei y, Esquire
Street
Carlisle, PA 17013
(717) 234-6222
I.D. #53147
Attorney for Plaintiff
SAIDIS, GUIDO,
SHUFF &
MASLAND
26 W. High St=l
Carlisle. PA
i
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I'II1S MOllTli
Htcplu!Il
herL'"lIer cnlled "~I
IX IIHNEI'ICI:'
I IIHN HI' 1('1.
cnrl"'"llll1n
hllvlng IIn IInke 1111' plnce III' h",iness III
hercllller cllllcd "~I '1'''ll!I'C,''
WITNHSSETII, II", I" ",,'nil' pul'nlenl hl' Mnrlgllgnrs III' n Credil Line Accllunl Agreelllenl, herenfl~r cnlled "Agreelllent:' of even
dllle IIl'lewhh, hy \,' 'eh MlIlIgn~ee I~ IIhligllled III IIInke IOlln~ nnd IIdvllnces up 10 $_7'~(l.JZ._(9.J!..._, hereafler called "Credit
UnL'" nnd 011 ulher' Ilgnllllns III Mllrtgngllr. under the terlll~ and provl~lon~ orlhl. Mortgnge, Mortga~ors do hy Ihe~e presenls, sell,
grnl" IInd ellnvey II' "",IIIUI!,'e, ALl. the rllllllwlng Ileserlhed relll eSlnle. herenfler cnlled "Property, sltulllet! In Ihe
lq(l\~ ~
IlIol"ll~h) III' SIo 'pL!\I!lhlJrg __" Counly or ....,_.._Cumbeulllld__. Conullonwellllh or Penn~ylvanla, described os rollows:
('n~......I.I"\
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I ....,. IIle prcnuscs
Cllunly in Dccd n".
'IOGETIIER \I
pussIIgewuys, righls,
Propnly,
I&J If Ihis bos is ch\"
Morh:ngors III . I
n~ ml'I'1Augcc, whkh
II1Ur1g:11!C WIt"; recun r
Penn: yl\'unill. in 000
'1'1 IIAVE ANI
Morl"ugcc. its SUCCI
" illS MORTli.
Mortl!;'
herein
\,
This tvl,
Ihe Cn
Morlf,!lI'
will ,kl'
pCllahil
Mortgili
al1loUnl
Ul1fll.':lr.
Mortg:l~
Ihis M,.'
chargl~!-
aud 11111
Iherelln
M0l1gU'
tIlail1tHil'
In Ihe ,
ACClltlll'
In the I
kccpilll'
Morll""
UPUIl Ih
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1Ipllll'"
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CIIUIl, i'
udequ;11
luk<" pll'
n'p:lirs:
rccciwl
f nll'cdtl~l
Ihis Mill
this Mill
II' Mortl'
net Of I'
MOllgul'
pnynhle
:mlisful'l'
cnntaillil
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I(C 4 n .'11.22.25. Ell. U 'l}1J
OPEN-END MORTGAGE
THIS MORTGAGE SECURES FUTURE ADVANCES WHICH MORTGAGEE
HAS A CONTRACTUAL OBLIGATION TO MAKE
. iE, ,"'11'10'.1 i""'lhls 20th d"X nr Mny" , 1993
II. I.ny 111,,1 VLrl.lLnln I.. I.oy..hunbnndand, wifc._..,____
'lgllgl1l)ii," IIlul
CONSUMEll DISCOUNT COMPANY, " I'en,,~ylv"nlll corpnrlllion,
, CONSlIMER DISCOUNT COMPANY d/h/ll lIeneficilll Mnrtgllge
t hetwecn ..0--'__"_
Cn, III' Pennsylvnnin. n Pennsylvnnln
1 S. lIanovllr, Strllet, Carllslc,
.." I'ennsylvnnln,
, ..' ...." . ':: 1 :.1,
,::'..' lill:. ".:':":'1";',;:' ::,;,' ',:F rr:IlIJ::':'\l,'Hlii;, ':':', "l(~f1F. f"j,L.','
';; r, 1;-': "~'.j t'~:-l:~, R~CCRDE[ :.:S/:z j .'~~':;. . ,,'KiNG .:i-o'!: Lh:;t'l
liP '~..~ -::' FOETH AE-\")\'~: I :!I [:E"~:P t.10Lfl:-l~ !1"" -...~ hn~~
~"':I ." . ~--i '~>.Il'.~,'o . ...i:. r<,," ":..:" .: "':'"
'. Block ___,__' Uniform Pnrcelldentifier 32-34-2413-106 .
11l'"Y"~ In Morlgugors hy 0 deed of conveyance duly recorded In the orlice for Ihe recording of Deeds In this
Nil, 1\-3/, . I'nge ,59" '. ns the Property described in Ihllt Deed,
, nil Ih" huildings and improvemenls thereon and addllions and allerallons therelo, Including 011 alleys,
IhL'lIks, privileges. hereditnments nnd appurtenances whatsoever Ihereonto belonging or uppertaloing to the
.,,1. Ihis Mnrtgnge is sobject to 0 prior mortgage dOled ........-Dfd09.L89 , 19_, eseeuted by
1M Trus t Company_..___,_ ----' ,..---, -,-_.---'...::....--,-
',iI" '''''"l'af,e secures pnyment of n promissnry n~lle In lite principal nmnunt or $,_42400~,OO____, That prior
"n ()(,!2I ,,'.. _,_____, 19__89, w.1It Ihe Recorder or IItc County or ------------.
91,2. "dge _..1196__,__,_,
J
III II0Ll) Ihe Property hereby gmnled and conveyed unto Mortgagec. to and ror Ihc use 001',' behoof IIf
III slim! a:;signs, forever.
;E I~ M,\IJE subjcello Ihe following condllions. and Mortgagors agree:
,,.s will "",ke 1111 paymenls on the doc dole thereof and perform nil other oblignlions os reqoired or provided
.J ill lht' Agreement.
'gage seclIIes nny and 011 rOIUre advaoces which Mortgagee shall make 10 Mortgagor under the Agreement up to
lI.iIU;.
'rs willl'n)' when due IIl1tnses nnd assessmenls levied or assessed agaiost the Property or any part thereof. aod
':1' rcccipts li,r Ihose paymenls 10 Mortgugee upon request and if Mortgagee pays any tnses or assessmenls plos
'"1<1 cnsls, Ihc mnounls so paid I1lny be addc~ 10 the unpaid bnlance of Ihe debl secured by Ihis Mortgage.
,,.s will kCL'1' Ihe Improvemenls on Ihe Property conslanlly insured ngninst fire nnd such olher hazards. in sucb
'1<1 wilh such carriers ns Mortgngee sholl approve. with loss, if any, pnynble 10 Mortgagee os ils interest may
" allls uplion in case or defaolt by Mortgngors or any obllgalion required of them under paragraphs 3 and 4 of
'age, shall hove the right to pny any tnses. assessmenlS. water and sewer renls. insorance premiums and all ollter
..I c1"lms which Mortgagors hove agreed 10 pay under Ihe lerms or the Agreement aod litis Mortgage, aod any
Inies so paid shull be 0 port of the debl hereby secored and recovernble os such, in 011 respects. wilh imerest
1l11l Ihe da'e or soch pnYl1lenl,
IS will neither commit nor sorfer aoy slrip. waste. impairmenl or delcriomlion of Ihe Property. nod will
'he Slllll~ ill goud order amI repair. '
111 nf Ihe dealh or one of Ihe Mortgagors. Mortgugee. al ils oplion. may declare Ihe Unpaid Balance of the
'"I11l'dialcly tluc und payable. .
"' Ihlll M"rlgagors defnoll in Ihe mnking or any paymenl due and paynble onder Ihe Agreement. or in the
"Id 11l'rhlfln:lIIcc by Mortgagors of any of the conditions or covenants of this Mortgage or the Agreement,
. limy IlIrlhwilh bring un Action of Mortgage Foreclosure hereon, or institute other foreclosure proceedings
~\llII'lgapc. lIn~ II1ny proceed 10 judgmenl and esecutlon 10 recover Ihe Unpaid Balance of the Account plus
II IIllpHicl interest, lI1c1uding ultnrncy fees ns permitted by law, costs of SUit and costs of sale.
'1II""'''II1C'I\ nl' a SOil in foreclosore or Ihis Mortgage or soillO which Mortgagee may be mode 0 party by reason
'Igal'c, lllalany time during the pendency of any such suil. Mortgagee. opon application 10 the appropriate
IOn'. wilh""1 nul ice 10 Mortgagor or any person claimiog under Mortgagor, and without considemtion of lite
'I th.,' s"cl'riIY ur Ihe solvency of Mortgagor. shallllppolnt 0 receiver for the Property, The receiver sholl (I)
',illn nlth.' Property; (2) collecllhe rents, issoes nnd profits or Ihe Property; (3) oUI of those monies, make
: hL'CI' Ih,' I'rol'crty in proper condilion aod repair; nnd (4) puy (0) nil tnses aod nssessmenls accruing doriog the
1', (h) all tll~lllIld "ISes and, assessmenls unpaid and Ins soles remaining unredeemed, at or prior to the
. sale. (c) ,,1I,nsumnce prennol1ls necessary 10 keep Ihe Property iosured in accordaoce wilh Ihe provisions of
'lge.lInd (d) Ihe espense oflhe receivership. and apply Ihe bnlnncc, ifany. agaiosllhe indebtedness secured by
'age.
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CERTIFIED MAIL, RETURN RECEIPT REQUESTED
Dale: August 27th, 1997
Aooounl No.: 78369965
.-
To:
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The MORTOAOB held by a
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onyourpropertylocatedat 201 S. Wnnhinoton S~. Shipp..nnhnrg PA 17?~7 ,ISINSBRIOUS
DBFAULT beCause you baye Dot made the monthly Instalments on the loan lecured by the Mortgale for the mODtha of Mn v .
June, Julv. nnd liulluet 1997 .Intheamountof$ IB9.1B per month $756.72 total
;
NonCE OF INTENTION TO FORECLOSE MORTGAGE
BENEFICIAL MORTOAOB CORPORATION
BENEFICIAL CONSUMER DISCOUNT COMPANY
BENEFICIAL CONSUMBR DISCOUNT COMPANY dIbIa
Beneficial Mortgage Co. of Pennsylvania (hereinaner we, us or ourl)
Lale charsel, where applicable, and other charges have also accrued to this dale in the amount of S 72 . 71 --,-. The total
,
amount now required to cure this default, or in other words, get caught up In your payments, as of the date of: this lelter, Is
S 829.43! !
I . _, I
You may C1Ift,tbJscter.ult within TlDRlY (30) DAYS of the date oftbls letter, by pa)'lngtous the abon amount of$ 829. 43 _
pius any addIllonal amounts which may fall due during this period. Such payment must be made either by cash, cashier's check,
' ,
certlfiedchcckormoneyorder,madepayabletousat'l South Hanover Stre..~. CArlinl.. PA 17011 I. .
' I , , ,
IHull payment of the amount of default is not made within TIlIRTY (30) DAYS, 'then,subJect to IIDY additional rllhts you may ban
under the Homcowner's Emergency Mortgage AsslslaDce Program, we may Instruct our attorneys to start a lawsuit to foreclose
aD your mortpled property. If the mortgale Is foreclosed, your mortgaled property wiIJ be lold by the Sherlfr to pay 00' the
mortple debL Hwe refer your case to our attorneys, but you cure the default before they begin legal proceedings, you 'will still have
to pay the reaSonable attorney's Cecs, actually inculTed, up to $50.00 in order to cure the deCault. However, if legal proceedings are
started, you will have to pay the reasonable attorney's fees, actually incurred, even if they are over $50,00, and you may alia be required
to pay our reaSonable costs. If you cUre the default within the thIrty day period, you ~ Dot be required to pay attorney's fees.
Hyou have nOI cured the default within the thirty 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 ODe hour before the Sberlff's foreclosure sale. You may do so by payJngthe
total amount due as well as the reasonable attorney's fees and costs connccted with the foreclosure sale. It is estimated that the
earliest date Ilia! such a Sheriff's sale could be held would be approximately, November 7 th . 97 . A notice of the dale of
the Sheriff's sIIe 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 cailirig us at the following number: 71 7 -24 'l-I '; I , .
This payment must be in cash, cashier's check, certified check or money order payable to us and paid at the address slated above.
: . . !
You should realize that a Sheriff's,sa!e 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 sale, a lawsuit could be started to evict you.
You bave additional rights to help protect your interest in the property. YOU HAVE TIlE RIGHT TO SELL TIlE PROPERTY TO
OBTAIN MONEY, OR TO BORROW MONEY FROM ANOTIlER LBNDINO INSTlTUTION TO PAY OFF, TIllS 'DEBT. YOU
HAVE TIlE RIOlIT TO HAVB TIllS DBFAULT CURED BY ANY TIlIRD PARTY ACl1NG ON YOUR BEHALF.: YOU MAY
ALSO HAVE AoDmONAL RIGHTS UNDER TIlE HOMEOWNERS' EMERGENCY MORTGAGB ASSISTANCEPROORAM,
IF A SEPARATE NOTICE ABOUT TIlAT PROGRAM IS ENCLOSED WlTII TIllS NOTICB. ' '
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Very truly yours . " ,
[J . BENEFICIAL MORTGAGE CORPORATION: '
[J BENEFICIAL CONSUMER DISCOUNT COMPANY
a BENEFICIAL cbNSUMER DISCOUNT COMPANY dIbIa
Beneficial Mortgage Co. of Pennsylvania
[J
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by
ENF 11 PA Ed, May '97
Exhibit "B"
For Dislrict Manager
ACT 91 NOTICE
l~KE ACTION TO SAVE YOUR
HOME FROM FORECLOSURE
'l1.e Commonweallh of I'ennsylvnnla's 1I0meowner's Emergency Morlgage Asslslanee Program may be able to help you. Read Ole
following nollce (0 find 0111 holl' Ihe flrogrum works,
Ir yUlIneed more InrOrlllllliun ealllhe Pennsylvanialluuslng Finance Agency al I (800) 342-2397,
La noOficacl6n en odjnnlo es de suma hnporlancla flues afecla su dcrccho a continuor vlvlendo en su casa. SI no comprende el
conlenldo deesla nOllficncl6nllhlcnga unn lrudueci6n inmedialomenle lIamando eslll agencla (Pennsylvania Housing Finance Agency) sin
corgus nlmlrnero I11CIlCiolUUlu un illu. Puedcs SCf clcgiblc purn un prc!slnlllo por cl progrnmn Hum olin uHomcowncr's Emergency Mortgage
Asslslnnce Program" el cual I'nede snlvor su cnsa de la ~nlida del derecho a redimir su hipoleca.
.,
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE.
YOU MAY DE ELIGIBLE FOR
FINANCIAL ASSISTANCE WIIICH CAN SAVE YOUR HOME FROM FORECLOSURE
AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
Oale:_ Augunt 27th, 1997
JtE: A\:CUlIlll No.:
78369965
203 S. \~nshin"tlln St
Shinnenshur". Pn 17257
TO: Stephen n. nnd V lrglnia L. Loy
FltOJ\l: "pop Fi '-,lnl..J.:1lJ.llllllnpr ,II RPonnt po. 0/8/ A Beneficial Nortgage Co. Of Pennsylvania
You ",ay be eligible lur finllncilll assistance Ibat will pnlvent foreclosure on your mortgage if you comply with the provisions of the
Homeowners' Emerg"ney Mortgagc Assistance ACI of 1983 (the "ACI"), You may be eligible for emergency temporary assislanee if your
defaull has been causc,1 by cireumslances beyond your control. you have a reasonable prospect ofresuming your mortgage payments and
if you meelthe ellgihillly relluircments established by the Pennsylvania Housing Finance Agency. Please read all of Ibis Notice. It
conlailL' an explanalion of Jonr rights.
Under U,e Act, YOIl n,e enlitled lu n~emporary stay of forecloslIre on your mortgage for thirty (30) days from the dale of this Notice.
During that time you lIIust nrrange a IOface-to.face" meeting whit a representative of this lender. or with a designated consumer credit
eUllnsding ngeney, 11.e purpuse of lI,is meeting is 10 allempllo work oul a repaymenl plan, or 10 otherwise selUe your delinquency. That
meelinn must oc:cur h.'he ne,tlhlrty (30) days.
If you allend a face-Iloface meeling with this lender. or with a consumer credit counseling agency identified in this Notice, no fUrther
proce<:ding in mortgare foreclusure may take place for thirty (30) days afler the dale of thaI meeling, The name, address and telephone
number of ourreprese',lnlive is:
CHnt N. LLnuKet
nenef:lclnl Consumer Discount Co. D/B/A BeneficIal ~lortgage Co. Of Pensylvania
I SUlIlh IInnover Street, Carlisl" PA 17013 .
Telel'I,,",e Numher: 717-21,9-1515
11,e no'ne(s) and add,. ';(s) ol(a) designaled consumer creditcuunseling agency(ies) ore shown on theallached sheel.1t is only necessary
lu schl-dule one face-I" face II,e<lillg. You shuuld ndvise lI,;s lender immedialely of your inlentiolls.
ENF 12 '~\, Ed. May '97
Exhibit "C"
YOllr hlorlC'''' I, III ,h'IIIIIIl heenuse you hnve fnlled 10 I'ny I'rollll'lly Inslallmenls of I'rille/pal "lid 'nlere51, IU required, for a period
of nl lensl slXly ((,10) 1/11)", '/1,,' IlIlnl nlllouIII of IIle dellluluelley Is $ 112')./.' , TIlal sum
Incl'u/es Ihe 1'0110\\ nlH: 1II111111tly 11lI)'lIIenls of $ 1119. III e"eh for Ihe monlhs of Hny. Juno ,
thwunlt .JIlI y '-___, AlIlIUllt ; alllOlnll of $ 756.72 due 10 une or more partial paymen15ln IIle pasl
nnd Inle ehnrges III 'he lllllOllnlllr $ 72.71 Is presently holding
$ -- III nllnl'plled funds, '111e Inleresl per diem Is $ IU of
-.--"
YlIur morlgagl' i,' IIlslIlnll<'fnnll for lite following reasons (use litis paragraph only If "pplleable):
IfY9u have lrie, I nnd Ole II11"ltle 10 resolve 111Is problem nl or afler your faee-Io.faee meellng, you hove the righllo apply for Iinanclal
nS5iSlnnec from lite I '''llIeowners' Emergency Morlgnge Assistallee Pond, In ordcr 10 do IIlls, you must Iill oUI, sign and file a compleled
((ollleowners' Eme'i ""':y AsslSlllnee Appllcnllon wllh one ofllle de51gnaled consumcrcredll coullsellng agencies Iisled on the allachmenl.
'111c cllnsUmer credi' clIInlSellll[' ngency will assisl yoo in filling oul your appllcallon and will submll your compleled applicallon 10 IIle
Penllsylvnnia Housit.~\ Finnncc Aceney. Your appllcallon musl be liIed or poslhlarked, wllhill thirty (30) days of your face.ta-face
meellng,
You IIIUsl elll,,' '11:';1 YOIII' IlI'I'lieallon 10 1I1e Pennsylvania Housing Finance Agency, or you musl file il 01 the office of one of 1I1e
desi,maled consumc Clcdil wIIlIselillg agencies Iisled above,
Ills exlremel" 'III'"rllllllllml you liIe your appllcallon promptly. Iryou do not doso, or Iryou do notCoUow the other IImc
periods scl forth III '1,1, lellc.; fur eclosure may proceed agalnsl your Itome Immediately.
Avnilable funds 'l/ C"'"lgen"y mortgage assislance are very limited. They will be disbur::ed by the Agency under the eliglbilllY
critelill cSlabllshed I. III" Acl.
It Is exlremely; 'IPOl'I""1 111111 your application Is accurale and complele in every rcspl:eL 111e Pennsylvania Housing Finance
Agency has sixly (61 c1"ys to ",,,I:e II decision after it receives your application, During thaI additional lime, no foreclosure proceedings
will he pursued aglli' "I )'010 if YOII IIl1ve IIlcllhe lillle requiremcnts sel forth above, You will be notilied direelly by thaI Agency of its
tl(~cisiol1 on your npl' '.:nliOlI.
The Pennsylvani' Hllusillt: Fillallce Agency Is localed al: 2101 North Fronl Slreel, P.O. Box 15530, Harrisburg, PA 17105. Telephone
No, ('117) 780-3800, , 1-8UU-:\oI7.-2397 (loll free number), Persons with impaired hearing can cdl (717) 780-1869.
)11 adoli'ioll you will, ceivc ,mulllcr notice from this lender under Acl6 of 1974, ThaI notice is called a "Notice oflntention to Foreclose
Morlrage." You mus' 'end bolh nOlices, since they both explain rights' thaI you now have under Pennsylvania law. However, if you choose
10 ex, 'cise your riglll descrihed ill lhis Notice, your home cannot be foreclosed upon while you are receiving that assistance.
Very truly yours.
I!!) BENEFICIAL CONSUMER DISCOUNT COMPANY
d/b/a Benelicial MOrlgnge Co. of Pennsylvania
o BENEFICIAL CONSUMER DISCOUNT COMPANY
o BENEFICIAL MORTGAGE CORPORATION
o
By:
Manager
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EN!' 12 1'1\. Ed. M.y '97
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YWCA of Corlislo ATTNI Pom L1no
Mortgogo Assistonco
311 ,South Wost Stroot
CAr1islo. PA 17013
(717) 243-3818
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VERIFICATION
I verify that the 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. Section 4904. relating to
unsworn falsification to authorities.
Dated.
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CA::E NO: 1~J~J()-00~)'J.; I'
COMMONWEALTH OF PEIHlSi'LV AN r A:
COUNTY OF CUMBERLAND
BENEFICIAL CONS DISC CO
YS.
LOY STEPHEN B ET AL
-ILENtlETH E. GOSSERT
CUMBERLAND Coun ty, Pennsy 1 vania, who
to law, says, the within COMPLAINT -
, Sheriff or Deputy Sheriff of
being duly sworn according
MORT FORE
was served
upon LOY STEPHEN B the
defendant, at 835:00 HOURS, on the 4th day of February
1998 at 50 BONNY BROOK ROADT
CARLISLE, PA 17013 . CUMBERLAND
County, Pennsylvania, by handing to STEPHEN LOY
a true and attested copy of the COMPLAINT - MORT FORE
and at the same time direct~ng His attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
18.00
3,10
.0121
2.00
So answers: .~ ~ .J~
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H. J hama3 l\l~ne, ~herL.t.1
$23.10 SAIDIS GUIDO SHUFF & "ASLAND
1212/1215/1998
by
ft#4"
Sworn and subscribed to before me
this 51!::: day of iJLn.,.
1
19 qrr A.D.
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CASE NO: 1998-0~1\:YJ.::' I'
COMMONWEALTIl OF PEllllSYLVAIl I',:
COUNTY OF CUMBERLAND
BENEFICIAL CONS DISC CO
VS.
LOY STEPHEN B ET AL
TREVOR KENT . Sheriff or Deputy Sheriff of
CUMBERLAND County, Pennsylvania, who being duly sworn according
to law, says. the within COMPLAINT - MORT FORE was served
upon LOY VIRGINIA L
defp.ndant. at 1840:00 1l0URS. on the ~ day of Fp.bruarv
19~ at 203 S WASHINGTON STREET
the
SHIPPENSBURG. PA 17257
. CUl'lBERLAND
County, Pp.nnsylvania, by handing to VIRGINIA L. LOY
a true and attested copy of thp. COMPLAINT - MORT FORE
and at the same time directing Her attention to the contents the-reoL
ti
.:>.13' ~ t.}Rl
Sheriff's Costs:~
Docketing ~ 5.00
Service I~.":O ~~
Affidavit .00
Surcharge 2.00
So answers: __.~.,rrf' .........A,;
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1(. "Ihomas h11ne, ~her1~1
$1'1~.0~ SAIDIS GUIDO
:JI, oJ.- 02/05/1998
by
SHUFF Eo 11ASLAND
~~ dif:
Depu l' ::. eru:!
Sworn and subscribed to before me
this 51!::. day of ,:t.11.&.' ~ . 1
19 tt9' A. D.
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