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Home My WebLink About98-00461 'i ~ ~ ~ ~ () ~ ~ ~ ~ ~ - 'it ~ 5i -~ -<.' ~ .,~ -..: ~ I.-J q '-{ I f ~ , - . ~ ~ - U "" ...., ~. . ~ ,- LaSalle National Bank. as Trustee for AFC Mortgage Loan Asset Backed Certificates Series 1996-1 Under Pooling & Servicing Agreement Dated 3/1/96 -vs- Charles and patricia A. McCowan In the Court of Common Pleas of Cumberland County, Pennsylvania No. 98-461 civil Term R. Thomas Kline. Sheriff, who being duly sworn according to law, says this writ is returned STAYED. Sheriff's Costs: Docketing Posting Bills Advertising Law Library County Mileage Certified Mail Levy Postpone sale Surcharge Law Journal Patriot News Share of Bills Poundage Sworn and Subscribed To Before Me This ,3,t,l !lay of .i.,-L~"''-~^''-~1 199.9, A. D. (l <,l-<- Q. )1...,((',--, .lIJ,'t./' "*6thonotary . 30.00 15.00 15.00 .50 1.00 18.60 1. 59 15.00 20.00 18.00 455.00 446.70 27.91 21. 29 $1085.59 pd by atty ATTY. 2-2-99 \ . , So A~ 4 r ~;1~f'~-r-- ~ ! R.Thomas Kline, Sheriff By-gIU/~ dL2z- 'Real Estate Deputy , I I~ CJc.. :13{~1 , . oIh..;7(, Ylt LaSalle National Bank, As Trustee for AFC Mortgage Loan Asset Backed Certificates Series 1996-1 Under the Pooling and Servicing Agreement Dated 3/1/96 COURT OF COMMON PLEAS CUMBERLAND COUNTY I l I . I:~ I: I '~ , " vs. 98-461 CIVIL . ' , , , , CHARLES MCCOWN AND PATRICIA A. MCCOWN AFFIDAVIT PURSUANT TO RULE 3129.1 J I ~ LASALLE NATIONAL BANK, AS TRUSTEE FOR AFC MORTGAGE LOAN ASSET BACKED CERTIFICATES SERIES 1996-1 UNDER THE POOLING AND SERVICING AGREEMENT DATED 3/1/96, plaintiff in the above action, sets forth as of the date the praecipe for the writ of execution was filed the following information concerning the real property located at 3505 Countryside Lane, Camp Hill, PA 17011: 1. Name and address of Owner(s) or Reputed Owner(s) : Name Address Charles McCown patricia A. McCown 3505 Countryside Lane Camp Hill, PA 17011 2. Names and address of Defendant(s) in the judgment: Name Address Charles McCown patricia A. McCown 3505 Countryside Lane Camp Hill, PA 17011 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address Fred Goddin and Sharon Goddin 44 Mayberry Lane Mechanicsburg, PA 17055 Metropolitan Savings Bank of Cleveland 6001 Lander Haven Drive Mayfield Heights, OH 44124 125 Fineview Road Camp Hill, PA 17011 Chaitanya U. Maskeri and Gayatri C. Maskeri 4. Name and address of the last recorded holder of every mortgage of record: Name Address Plaintiff GMAC Mortgage Corp of PA 8360 Old York Road Elkins Park, PA 19117 . ' ..... ALL THAT CERTAIN tract of land situate in the Township of Hampden, County of Cumberland, and Commonwealth of Pennsylvania, more ,particularly'bounded and described as follows, to wit: BEGINNING at a point on the westerly line of Countryside Lane (50 foot right-of-way) which point, being located a distance of 210.20 feet, measured along both the tangent and curved westerly line of Countryside Lane west of the center line of Briarwood Lane, is at the line dividing Lot 117 from Lot 118 on the hereinafter mentioned plan of Lots; thence continuing along the westerly right-of-way line of Countryside Lane by a curve to the left having a radius of 100 feet an arc distance of 64.46 feet to a point; thence continuing along ~he westerly right-of-way line of Countryside Lane South 08 degrees 44 minutes, 00 seconds East a distance of 97.93 feet to a point at the line of Lot 115 on the Plan of Lots of Countryside Section (B); thence along the southern boundary line of Lots 117 and 116 on the hereinafter mentioned Plan of Lots at the line dividing said lots from Lots 103, 104, lOS, and 115 on the Plan of Lots of Countryside Section (B), South 76 degrees 20 minutes 00 seconds West a distance of 366.59 feet to a point at the eastern line of Lot 77 of Countryside Section (B); thence continuing along the line dividing Lot 77 of Countryside Section (B) and Lots 68 and 67 from Lot 117 on the hereinafter mentioned Plan of Lots North 08 degrees 44 minutes 00 seconds West a distance of 360.00 feet to a point at the line dividing Lot 46 from Lot 116 on the hereinafter mentioned Plan of Lots; thence along the line dividing Lot 46 and 45 from Lot 116 on the hereinafter mentioned Plan of Lots North 76 degrees 29 minutes East a distance of 135.16 feet to a point at the western'line of Lot 35 on the hereinafter mentioned Plan of Lots; thence along the line dividing Lot 35 from Lot 116 South 42 degrees 44 minutes 00 seconds East a distance of 79-: 93-feet; -then~~-~~nti~~ir;'gal~~g--the 'llne'-ci.ivid-ing'Lot 35 froin Lot 116 and along the line dividing Lot 34 from Lot 116 on the hereinafter mentioned plan of Lots North 76 degrees 29 minutes 00 seconds East a distance of, 155..00. feet to a point at the line dividing Lot 118 from Lot 116 on the hereinafter mentioned Plan of Lots; thence along the line dividing Lot 118 from Lot 1~6 on the hereinafter mentioned plan of Lots South 08 degrees 44 m1nutes 00 seconds East a distance of 90.61 feet to a point at t~e northern boundary line of Lot 117 also being the line dividing Lot 117 from Lot 118 on the hereinafter mentioned plan of Lots; thence by the line dividing Lot 117 and Lot 118 on the hereinafter mentioned Plan of Lots South 61 degrees 48 minutes 00 seconds East a'distance of 64.48 feet to a point and place of BEGINNING. BEING all of Lot 116 and 117 on the Final Subdivision Plan of 'Countryside Section (A) as set forth in Cumberland County Plan Book 25 Page 6. THIS description. being made in accordance wi th the map of C. W . Junkins Associates, Inc., dated 8 June 1987. BEING 3505 COUNTRYSIDE LANE. PARCEL# 10-19-1596-002 TITLE TO SAID PREMISES IS VESTED IN Charles McCown and patricia A. h' . fe by Deed from Charles F. Andrews and Thelma ~~~~~~, ::s :tfe'dated 8/9/88 and recorded 8/23/88 in Cumberland County Deed Book N33 page 383. . LaSalle National Bank, As Trustee for AFC Mortgage Loan Asset Backed Certificates Series 1996-1 Under the Pooling and Servicing Agreement Dated 3/1/96 COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. 98-461 CIVIL CHARLES MCCOWN AND PATRICIA A. MCCOWN NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: CHARLES MCCOWN PATRICIA A. MCCOWN 3505 Countryside Lane Camp Hill, PA 17011 Your house (Real Estate) at 3505 Countryside Lane. Camp Hill. PA 17011, is scheduled to be sold at Sheriff's Sale on WEDNESDAY. SEPTEMBER 2. ~, at 10:00 a.m., in the Commissioners's Hearing Room located on the 2nd Floor of the Cumberland County Courthouse, 1 Courthouse Square, CarliSle, Pennsylvania 17013, to enforce the court judgment of $48.621,60 obtained by LaSalle National Bank. As Trustee for AFC Mortoaoe L03n Asset Backed Certificates Series 1996-1 Under the poolino and Servicino Aoreement Dated 3/1/96 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale you must take immediate action: 1. The sale will be cancelled if you pay back tc Gregory Javardain, Esquire the amount of the Judgment plus costs OR the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (215) 942-9690. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling Gregory Javardian, Law Offices at telephone (215) 942-9690. 2. You may be able to petition the court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call Gregory Javardian Law Offices at telephone (215) 942-9690. 4. If the amount due from the ~uyer is not paid to the Sheriff, you will remain the owner of the pro~erty as if the sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff on July 3, 1998. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after July 3, 1998. 7. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. 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 LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE COURT ADMINISTRATOR 4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE CARLISLE, PENNSYLVANIA 17013 (717) 240-6200 l . ~ \ ',. L~ THAT CERTAIN tract of land situate in the Township of Hampden, . JQunty of Cumberland, and Commonwealth of Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the westerly line of Countryside Lane (50 foot right-of-way) which point, being located a distance of 210.20 feet, measured along both the tangent and curved westerly line of Countryside Lane west of the center line of Briarwood Lane, is at the line dividing Lot 117 from Lot 118 on the hereinafter mentioned Plan of Lots; thence continuing along the westerly right-of-way line of Countryside Lane by a curve to the left having a radius of 100 feet an arc distance of 64.46 feet to a point; thence continuing along the westerly right-of-way line of Countryside Lane South 08 degrees' 44 minutes, 00 seconds East a distance of 97.93 feet to a point at the line of Lot 115 on the Plan of Lots of Countryside Section (B); thence along the southern boundary line of Lots 117 and 116 on the hereinafter mentioned Plan of Lots at the line dividing said lots from Lots 103, 104, 105, and 115 on the Plan of Lots of Countryside Section (B), South 76 degrees 20 minutes 00 seconds West a distance of 366.59 feet to a point at the eastern line of Lot 77 of Countryside Section (B); thence continuing along the line dividing Lot 77 of Countryside Section (B) and Lots 68 and 67 from Lot 117 on the hereinafter mentioned Plan of Lots North 08 degrees 44 minutes 00 seconds West a distance of 360.00 feet to a point at the line dividing Lot 46 from Lot 116 on the hereinafter mentioned Plan of Lots; thence along the line dividing Lot 46 and 45 from Lo~ 116 on the hereinafter mentioned Plan of Lots North 76 degrees 29 minutes East a distance of 135.16 feet to a point at the western'line of Lot 35 on the hereinafter mentioned Plan of Lots; thence along the line dividing Lot 35 from Lot 116 South 42 degrees 44 minutes 00 seconds East a distance of 79:93 feet; thence continuing along the 'line'-dividfiig' Lot 35 from Lot 116 and along the line dividing Lot 34 from Lot 116 on the hereinafter mentioned Plan of Lots North 76 degrees 29 minutes 00 seconds East a distance of. 155,.00 . feet to a point at the line dividing Lot 118 from Lot 116 on the hereinafter mentioned Plan of Lots; thence along the line dividing Lot 118 from Lot 1~6 on the hereinafter mentioned Plan of Lots South 08 degrees 44 m~nutes 00 seconds East a distance of 90.61 feet to a point at t~e northern boundary line of Lot 117 also being the line dividing Lot 117 from Lot 118 on the hereinafter mentioned plan of Lots; thence by the line dividing Lot 117 and Lot 118 on the hereinafter mentioned Plan of Lots South 61 degrees 48 minutes 00 seconds East a distance of 64.48 feet to a point and place of BEGINNING. BEING all of Lot 116 and 117 on the Final Subdivision Plan of 'Countryside Section (A) as set forth in Cumberland County Plan Book 25 Page 6. THIS description, being made in accordance with the map of c. W. Junkins Associates, Inc., dated 8 June 1987. BEING 3505 COUNTRYSIDE LANE. PARCE~# 10-19-1596-002 TITLE TO SAID PREMISES IS VESTED IN Charles McCown and patric~alA. cCown ' his wife, by Deed from Charles F. Andrew7 and T e ma ~uiogu~, his wife dated 8/9/88 and recorded 8/23/88 ~n cumberland County Deed Book N33 page 383. ~ .' WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO. 98-461 CIVIL 19 CIVIL ACTION. LAW TO THE SHERIFF OF CllMBERLAND COUNTY: To satisfy the debt, Interest and costs due Lasalle National Bank, as Trostee for AFC Mortgage Loan Asset Backed Certificates Series 1996-1 Under the Pooling & Servicing Aqreement Dated 3/1/96 frOm ftum Charles and Patricia A. McCown, 3505 Countryside Lane, Camp Hill PLAINTIFF(S) PA 17011. DEFENDANT(S) (1) You are directed to levy upon the properly oflhe defendant(s) and to sell Real esta te located at 3505 Countryside Lane, Camp Hill PA 17011 (See attached legal description). (2) You are also directed to attach the properly of the defendant(s) not levied upon in the posseSSion of GARNISHEE(S) as follows: and to notffy the garnlshee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is/are enjoined from paying any debt to or for the accounf of the defendant(s) and from delivering any properly of the defendant(s) or otherwise disposing thereof; (3) If properly of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify himlherthat he/she has been added as a garniShee and is enjoined as above stated. Amount Due interest Atty's Comm Atty Paid Plalnllff Paid $48,621.60 $1,286.39 L.L. Due Prothy Other Costs $.50 $1.00 % $109.30 Date: a1~i~ Pro!hono! Ii Ian April 16, 1998 by: REQUESTING PARTY: Name Gregory Javardian, Esq. Address: 44 Second St. Pike, Ste. 203 Southampton PA 18966 Plaintiff Deputy Attorney for: Telephone: (215) 942-9690 SupremeCoUrllDNo. 55669 REAL ESTATE SALt i~O, 9 On r('\ ~ ~. t q 'l'l the shariff levied upon tho defanr.l.:\n~iJ InI;efQst In the real property situated in /~"f._ -h.vf Cumberland County, Pa., known and numbered as: ~s"'s ~~ ~ /~_l'.lld more fully d32:::rn~cd on Exhibit "A" filed wi 111 thi~3 writ and by this rcierllnco incorporated herein. e"" /TI'j'''Q t, ,.,g ~1;..k~ S e:;:::2 G-a ~ \/1 try' /;\), Sf! H3d -' ., ,\ ") ~! ' , ,", . . flo. \\~ '3Z 01 ~ lVR ..Idl~ ~'}:;";;HS Jill ~o =nl~30 LAW OFFICES OF GREGORY JAVARDIAN BY: GREGORY JAVARDIAN 10# 55669 44 SECOND STREET, SUITE 203 SOUTHAMPTON, PA 18966 (215) 942-9690 ATTORNEY FOR PLAINTIFF LASALLE NATIONAL BANK, AS TRUSTEE FOR AFC MORTGAGE LOAN ASSET BACKED CERTIFICATES SERIES 1996-1 UNDER THE POOLING AND SERVICING AGREEMENT DATED 3/1/96 135 SOUTH LASALLE STREET, SUITE 200 CHICAGO, IL 60603 Plaintiff(s) VS. CHARLES MCCOWN PATRICIA A. MCCOWN 3505 COUNTRYSIDE LANE CAMP HILL, PA 17011 Defendant(s) THIS IS A NON-JURY MATTER. ASSESSMENT OF DAMAGES HEARING IS NOT REQUIRED. COURT OF COMMON PLEAS CUMBERLAND COUNTY No. 18- 4(P { e~~ COMPLAINT IN MORTGAGE FORECLOSURE COMPLAINT - CIVIL ACTION 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 defense 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 NOTICE 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. Lc CUMBERLAND COUNTY BAR ASSOCIATION 4' 2 LIBERTY AVENUE CARLISLE PA 17013 (717) 249 3166 LAW OFFICES OF GREGORY JAVARDIAN BY: GREGORY JAVARDIAN 10# 55669 44 SECOND STREET PIKE SUITE 203 SOUTHAMPTON, PA 18966 (215) 942-9690 Attorney for Plaintiff LASALLE NATIONAL BANK, AS TRUSTEE FOR AFC MORTGAGE LOAN ASSET BACKED CERTIFICATES SERIES 1996-3 UNDER THE POOLING AND SERVICING AGREEMENT DATED DATED 6,'1/95 SERIES 1995-3 135 SOUTH LASALLE STREET, SUITE 200 CHICAGO, IL 60603 Plaintiff(s) COURT OF COMMON PLEAS CUMBERLAND COUNTY VS. No. CHARLES MCCOWN PATRICIA MCCOWN 3505 COUNTRYSIDE LANE CAMP HILL, PA 17011 Defendant(s) COMPLAINT IN MORTGAGE FORECLOSURE CIVIL ACTION MORTGAGE FORECLOSURE I. LaSalle National Bank, As Trustee for AFC Mortgage Loan Asset Backed Certificates, Series 1995-5 under the Pooling and Servicing Agreement dated 6/1/95 series 1995-3, referred to as "Plaintiff") is an Institution, conducting business under the Laws of the Commonwealth of Pennsylvania and brings this action to foreclosure the mortgage between Charles McCown and Patricia McCown, Mortgagor (s) (hereinafter referred to as "Defendant") and itself as Mortgagee by assignment which was recorded September 8, 1995 and made a part of Exhibit "A". Said Mortgage was dated May 8, 1995 and was recorded in the Office of the Recorder of Deeds and Mortgages in Cumberland County in Mortgage Book 1262, page 861. A copy of the Mortgage is attached and made a part hereof as Exhibit 'A'. 2. The Mortgage is secured by Defendant(s) Note dated May 8, 1995 in the amount of $40,000.00 payable to Plaintiff in monthly installments with an interest rate of 14.99%. A copy of the Note is attached hereto and made a part hereof as Exhibit "B". 3. The land subject to the mortgage is: 3505 Countryside Lane, Camp Hill, PA 17011. 5. The defendant(s), Charles McCown and Patricia McCown are the real owner(s) of the land subject to the mortgage and the Defendants' address is: 3505 Countryside Lane, PA 17011. 6. The Mortgage is now in default due to the failure of the Defendant(s) to make payments as they become due and owing. The following amounts are due: Principal Balance: Interest to 12/20/97 Accum. Late charges Property Inspections Attorney Fee/costs TOTAL: plus interest from 12/21/97 at $37,500.00 $ 5,680.63 $ 277.97 $ 100.00 $ 3,600.00 $47,158.60 $15.40 per day, costs of suit and attorney fees. 7. In accordance with the provisions of the Act of January 30, 1974, P.L. 13 No.6, Section 403 (41 P.S. 403), a Notice of Intention to Foreclose is required and was sent October 29, 1997. A Notice of Homeowners' Emergency Mortgage Assistance is applicable as was sent October 29, 1997. The Defendant(s) have not cured the default. . . . '. '. . . '.:.... .... ,':... :......;......n..:.:.;~.:..,..' . . .:.. ....' ..... ........1.. .......I...;..~...................lo:~....'.....';:,..H.,oiI."....hlloltA""-;'l ,..... .. '.. " . , ~70 ~lfJiW!I~ . e;t^'"t:, (1 ~ ~ mL ~lP39 . J e-pp 11-:CJ.l ..t.~~.:, / ';~'i'f:;"L~"; . -. .,..... ;'," :...;....' , .'01.'.'. ..:....:. "'. ROOEnr P.' lIrCWl: RECORDER OF DEEDS CUMoERLAUDcouurr-PA I; ..: '.95 ~,~.V 15 PI'I1,~3 (Splice ^"oyo This LIne For h"olllln, Ual.1 . MORTGAGE I'rcl':ueLl by Express Financial Services ..' TillS MORTOAGfi,(:S<!'.u!!!y.;!nllijjiJThgl;);!1l en'o -Ho 111c mortgagor Is b'iifr'8;H~&na!PatPI'g'i:a 1\. . 15 3505 Count ~"'cfe"I'tdi'H]" amp'Uill, PA 17.01 ("Dorrower"). Thi:l Security 111!'ilrumcnl Is given 10 Alliance founding COmpilnY, a Division orSuf'erior Dank roSD, which Is organlzcU ami clisting under the Inws orllle UnilecJ Stllle.i, Gnd whuse address Is IJS Che5lnut IUdge Road, Montvale, New Jersey 0764S (-Lemler-). Borrower owes Lender Ihe principal sum or _ Fortv thousand 0 0/1 00-------_________________________________..:_________ Dolhus (U.S. $ olD ,000.00 t nits debt!s evidenced by Dorrower's note dllled lhe same dale as Ihls Securily Inslrument ("Nolc-). which provides ror monlhly pilymenls wllh Ihe rull debt, If nol p:Jid e:lrller, duc and payablc on Hay 12.. ",2010 . This Security Insllllment Secures to Lender: (a) lhc repaymenl or lhe dehl evidenced-by the Nole, wHit Inlcre51 at Ihe rote set ronh in the Nole. antI all renewals. extensioos amI lnotJificalions or Ihe Nole; (b) Ihe paymcnt or all olher sums, wilh Inleresl, . :'ldv.ncC'rJ 'Ind,:r paragrAph 6 10 proleel the securily of Ihts Security Instrument: and (e) the penoonlnce or Dorrower'. covenanls and agreemenls under Ihis Security Inslrumenl nnd Ihc Nole. For Ihesc purposes Borrower docs hereby Inorlgat:e, granl and convey 10 Lender Dnd Lender's successors and auigns the "ollowing describecJ propeny 10ealecJ In ClImb(!rlnnd COllnly,CommonWe.1llhoCPennsylvania, .199.2... , whose address ~ If Ihis ho,l Is cheeked see Sehwll'e ^ nnnexecJ herelo ROll m:lde a pari hereof. which has Ihc address af 3505 Countryside Lane (Slreel) , Camp llill , (Ct'IY) 3505 Countrys de Lane Camp lIill, PA 17011 ',Pc:nllsylvnnin 170.11 ~Z;p Co~e) (-IJroperty Adl.lress.): TOGETHER WITH allllie improvemenls now ar here-1ner clecled on Ihe propeny, and all casemenls. riChls. appurtenances. renls, royalliC$. mineraI. oil and gas r1J;hls and profils, Waler rlchls and slack ~nd all lixlures now or hcre:lfler a part ofllle propeny. AU replacemenls Rnd nddilions shall also be covered by this . Securily Instrument. All of Ihc rurecain~ is referred 10 In Ihls Security Inslrument as the .Propeny.. nORROWER COVENANTS thai Borrower is lawrulJy seisecJ of Ihe eslale hereby conveyed and has Ihe riChl to mongngc. grant and convey lhe Propeny and lhal lhc Property is unencumbered, CJ.ccpl ror eneumbrnnces or reeollJ. Borrower W,m.lI1ls Dnd will defend cener-llly Ihe tille 10 Ihe Proflerty nt:alnst all claims and demands 5uhjeclla any encumhrances or record. nnrrnwcr nnd Lender covenanl and "cree a!'l rnllnws: J. PlI)'lIIcnl or Principal, Inlere.o;l nlld Other ChnfJ:c.o;. SlIltiecl 10 pilr.lcraph 10 helnw. Dorrower shall pramplly (lay when clue Ihe principal of and inlcrC$1 on lhe tJeht evidenced by Ihe NOle nnd ... any laIc chorges. colleclion cosls anti cxpenses ami dishonurct1 check chnrces as providetl in the Nole. 2, ^IIIJlic:llinllllf PnYlllcllls. Unlelis al'plic:'ihle law pruvidC$ ulherwi$c, Lender will npply c.,eh af Borrower's paymenls under Ihc Nole firsl 10 nccrued and unpaid inleresl.~nder Ihe Nole to Ihe tJale of rlilYll1enl and the renminder, ir nny. 10 the lInpilid principal b:llnnce under thc.Nole, Any l:lle charges Ur- or any pnYlllcnl nnl IIll1de lIy Ihe eml of IS cilh:nd;lr dny!; nner lhe ..Jalu il ls"'~llc);.cl)lIciliun cum mill expenses. tJishonnretJ eheek elullJ:es nod pnymenls mndc hy Lemler to cnforc'c Ihe Nolc :lndlor 10 prolcel Lender's inleresls under Ihis Securily Inslnllnenl will be nssessecJ separntely: ~. . 3. JJrlor ~llIrl{:nI:ej Chnr{:cSj L1cns. Darrower sllllll pay nlllaxcs. nssessrnenls. ch:y:q, fines ..,_" :U1d imposilions nllrilJlltilhle tn Ihe Prnl'~rty which mny nll:lin rrinlily over Ihill Securily In~lnllrte1il, nniJ - lensehohl p:'iymenls or ~rollIllJ renlll, If nny, Dorrower shall pay lhelle uhll1:aliulIs on IImc directly In the person QwetJ p:J}'lIIenl, Durruwer shall promptly rurnish lu Lender nil notices or amounls lu be paid umJer Ihis I'nracr:lJlh. nlld rceeipls cvi~rcncinc slleh I'aYlllcnlli. . biioi1262 fACE 861 rA ISTIlNn rL'(P,1J IthlC MORTOM'lI!. ArCUM'9JI r, ............. ..... <' ...{:.",.,.: '...,: ; ~'~'.'" ........., ","., ',:, ..i:{..,..".. "..,:..," ...........,":.,.,......;.:,:....;.;',;/1...",".;;;;'.,;,;,;,'::.~:j''i,1:..;,ii:~~~~M\ ' " , ,,> ,~ . . .l!:~(( :-/J '. , Dorrower shllil Ile';"onn nil ~r narrower', obligations under any mortgDge, deed or lrusl or olher . .~ secu;lly Ihshunlcnl wllh, crenllng or hnvlng A priorlly over Ihls Securlly Inslrumenl, Including but ~otllmlled I 10, nlJrrower', covemUlt to mllke (Iayincnts when duct Dorrower shall promplly discharge Iny lien which hu prforlly over Ihls Suunly Inslrument (olher Ihan a senior IIIOlleAee, deed orlr~lIt or olher suurlly Instrument DpprovetJ by Lender IIllhe time ororlelnnllon orlhl. Seeurlly Inslnllnenl IInd wllh resl1eello which Dorrower' eOlnplle. with Ihe; pruvlslonll or Ihe Inulledllllely precCL!inc senlence) unless Dorrower: (D) "Grees In wrlllng In Ihes Ilnymellt of Ihe uhllCnllulI secured hy Iho Iicn 1'1 n lIlnllller necelllnhlo lu Lenderj (It> conlesls In emuJ fnllh Ihe lIell by, or defends nCnlnsl ellturecllIcnl ut Ihe lIelllll, leenl prncecdlngs which In Lender's, opinion ollerllle 10 prevent Ihe enforcement ot Ihe lien: or (c) securcs frolll the holder or Ihe lien IIn agreement "lIsfaclory 10 Lender .ubordln,lIng Ihe lien 10 Ihl. Seeurlly Inslrumenl. If Lender delennln.. Ih,l any part or Ihe Property Is subject to a lien which may allnln Ilriortly 'over Ihls Security Inslrumenl, Lender may give Dorrower n nollee 11Ienl")'III!: Ihe lien. Uorro\Vcr shnll si'lh.ty Ihe lien or lake one or more of the acllons set forth nhove Wllhln 10 dnys IIr Ihe giving ut 1I01lte. " , ~ , 4. lInznrd or J'roperty 1!ISUrDlIc~. lJorruwer shall keep Ihe Improvemenls now edsllng or hereancr erecled on Ihe Property Insured agnlnst Joss by fire, hnznrds Included Wllhln the lerm .extended coverDge" bllll any olher hazards, inclutJlng noods or nooding, for whieh Lender requires Insurance. This . Insllrance shall be motnlnlnCL! In Ihe omounls amJ for Ihe periods that Lender requlrcs, nollo exceed Ihe full replacemenl cosl of the buildings Dlld Ilnllrovcrncnts on Ihe Property. The I"sumoce carrier provitJing the Insurance limit be chosen by norrower suhJect to Lender's approval which shalllnn! he unre.1sonnhly wllhllcld: If Dorrower foils 10 1lI:1ll1lnll1 coverage dcscrlhed nhove, Lemler mllY, at Lender's Dillion, ohlnln coverage 10 prolc.cl Lcqtler's rlChls III Ihe Properly In R.cc:ordancc with pilrtlgraph G. All Ins\Jrancc policies and rCllcw~ls" must b.o neecplllble 10 Lemler .and musl Include a sl.andard mortgage clause In favor of nnd In' a fonn'acceplnble 10 Lender. Lender almH have Ihe right 10 hold Ihe policies ond renewals. If Lender re(Juhcs, Dorrowershnli Ilrol11(1lly give lu Lender all reeelpls of p:lid premiums and renewal notices. In Ihe event of loss, Dorrower sholl give prompt nollce 10 the insurance ~nrrler nnd. Lender. Lemler IIIIl.Y make proofof loss if nol made prompll~ by Dorrower. Unless Lender IInd Dorrower otherwise ogree in wrlllng, insurance IlfOCeWS shllll be applied 10 reslor-lIlon or repair oflhe Properly darnagcd,lflhe reslornllnn or relmir Is economically fe,1s1hle and Lender's securily Is not lessened. If llie resloralion or repair Is not economically feasible or Lender's securily would be lessened, lhe Insurl1ncc proceeds sholl be appllCL! 10 the sums secured by Ihis Securily Inslrumenl, whelher . or not Ihen duc, wilh Dny txCeJS (lllld 10 Dorrower. If Dorrower nbnndnns Ihe Property, or does not anSWer within 30 days a nollce from Lender Ihat Ihe insurnnce c:urier has offered 10 sellle ;I claim, Ihen Lender may collect Ihe Insurance flroceWs.. Lender may Use the proceeds fa repair or restore Ihe Property or 10 pay sums secured by Ihis Securlly Inslrumenl, whelher or not Ihen du~. The 30:day p'eriqd will begin .when Ihe nollce Is given. .'. . : . l . Unless Lender And Dorrower olherwise Dgree tn wrillng, any npplicallon at proceeds 10 principal shall nol eJ.lend or pOslpone Ihe due dale of Ihe monlhly pilyrnenls referred 10 In pllrtl1;roph 1 or change Ihe amount oflllc flaymenls. Ifumler paragrnph 171he Property is oC(lulred hy Lender, Dorrower's right 10 any Insuronce policies :lOd proceeds resulting tram dnnlilge 10 Ihe Properly Jalor tn Ihe acqulsilion shall pass 10 Lender 10 Ihe ex lent or Ihe SUIIIS secured by Ihis Sccurily Inslrumelll illllllwinlely prior 10 Ihe acquisilion. .-; ~-, }. S. Occupancy, I'resen'nllon, Mnlnlen:lI1ce nlld Prolecnnn n[(he Properly; Dorrower's Loon ^llpllrnllllllj I.cn.o;ellllllJ.o;; CUlldfllllilllulIl!,;; I'Jllllllcd Unill)cvcluJlIIICIII!', Unle.u Ourrnwer's Inon npJ1lic:1lion nnd Lender's loan opprovnll'rovided lh:lllhe Properly \Vns 1101 recllllretllo be occupied as Dorrower's principal resldclIce, Durrower slmll occupy, eSlnhllsh, Ilud use Ihe J'ru(lclly ns Dnrrower's principnl residence wilhln 60 1I01Ys finer Ihe eXU:Ulion Oflhis Securily Jnslrument nod slmll conlinue 10 occupy Ihe Property as Dorrower's princlpOII residence for at least I yc.1r arrer Ihe dOlle or occupancy, unless Lender otherwise agrees in wrilinC, which consenl shall not be IInr~son:lbly Wilhheld, or unless eXlenunllng clreulllslnoces exist which are beyond Dorrower's conlrol. Darrower sholl nol deJlroy, d:H1li1ge or impl1lr Ihe Properly, allow Ihe Property 10 deleriortllc, or commit Wnslc on Ihe Property. Dorrower shnll be in defDul1 if nny forfeiture aelion or proceeding, whelher civil or crirninnl, is hegun thnlln lender's good fnllh judgment could result in forfeilure of Ihc Property or olherwise mnlerinlly jmpilir Ihe lien erc.1led hy Ihis Securily Inslmlllcnl or Lemler's securily lnleresl. Dorrower shl1l1 nlso be In default if Dorrower, during Ihe lonn nppliealion proceJs, cave malerllllly fnbe or innccllrnle intonnnlinll or slnlemenl." In Lelltler (nr fniled In prnvide Lender Willi nny mnlerinl lnfurnmlioll) in eonnecliun wllh Ihe lonn cvhJcnced by IlIe Nolc, Includlnc, but not Ihnilell la, represenlations concerning Dorrower's oecuponcy ot the l'ropeny as n principql residence. 1r this Securily Inslrumcnt Is on n Ic:lschohl, Borrower sllilll comply wilh olllhc provisions of lIic .1c.1!;cl.. It Drurnwer~qllires fec lille 10 Ih!: ProJlcrty, Ihe 1c.1Sehold and Ihc fee. title slmllnol rnera:c unless t.Cnder agrees 10 Ihe merger In wriling:. , .. It Ihls Sccurily Inslnllnenl is on a IInil fn it eondClfl)ini~~n or -II plnnned unil developmenl, Dorrower shnll perform nil of narrower's obliC:lllons under Ihe decl;unlloll or cOVennnls cre:lllng or coverninc Ihe condominiulll or IJlnnncd unit develojlOlent, Ihe by.l:\ws nOli reClllotlons or Ihe cOI~nlum ot"illi1nned un~t developmenl and consliludnl doculTlenls. .' . ~ 6. J'rolecliol1 of Lender's nl~hls In the I'roper(y. If Dorrower falls 10 perfomllhc eovenanls nnd ogrcemenls conlained in Ihis Securily Inslnllllenl, or Ihere I!; A legnl proceeding Ihnt nmy significnnlly arfecl Lender's richts In Ihe Properly (sllch 35 a proceeding in bnnknlpley, probalc, for cOlldelllnillion or ...:..... " '..".. '.......,.,. " ",., ,.,. ,'.,.,'.. ,:.,',.....,.'.,...:".".,....:;:,',...,::"..":.,),,...,';'".:.'!:.::i!::::,:((f,;:~~i!:~W\~{\ .'?l ,_ ,," ..",'.1 .,,:':) rorretlurc or 10 enrorce I.w~: or re-gulallons), then under m.y do And pay 'tor whnlever 'I netcsury ID ['!fDlecl the vAlue oCthe l'roperlY and Lender', rlchtl In tho Propedy. Lender', ICllonl mlY Include plying any lum. ,<<uretJ by a lien .....Mc" 'IU prlorlly over Ih1. Security Instrumenl, paying Insurance premium., apllcarfn.ln court, pnylng rtJlsnnllblo IUorneys' rees amJ enlerlng olllhc Properly 10 mnko rel,nlrs. ^lIhouCh Lentler mAY IlIke aellon untler Ihls IllIrllgrilllh (i, untler tlocs nnl hAve tD do 10. . . Any amounls disbursed by Lender under Ihis parlgrnph (i Ihnll become Idtliltonal dehl or narrower Iu:cllrcd hy Ihllr Seeurlly 11I!\lnllllenl. Uule.u lIf1rrnwcr flllll tentler "gree tn nlher lerml or p"j'rnenl. Ihue nlllllllllls III nil benr IlIteresl rrumlhe tJ:lle IIr tJl!\lJUrsellu:nl allhe CAlc lei rorth In the Nule l( perllltUetJ by law ur, Ir 1101, nllhe hlChesllawrul rule and shnll be 113ynble. wilh Inleresl, ul'on nntlce rrom umJer 10 Uorrower rCtJuc.sllng pnymenl. 7. Inspection. Lender or ils Igent may make reasonable enlries upon and Inspecllons or Ihe Property. Lender sholl cIve Dorrower nutlee ollhe lime or or prior to an Inspeclion speclryIng reasonable cause for the Inspecllon. 8. CondcmnDllon. The procews of any DW~rd or claim ror d:llnagcs, direct or consequenlilll, In conneclion with any condemnation Dr olher Laking oflny part orUle Propeny, or for conveyance In lieu or condemnation, arc hereby assigned and shall be: paid 10 Lender and applied 10 Ihe amoUnt secured by Ihls Scc'nlty Instrument, subJ<<tlo Ihe terms or nny lenlor "mrtgnge,. tJeed of lrusl or olher s<<urlly Inslrumenl. Any e~cess will be paid 10 the persollS Jecnlly euliUct.llo il. If Ihe Properly Is nbandoned by Dorrower, .or Ir, aOer nntice by under 10 norrower that Ihe . cont.lemnor orrers 10 make an ~ward or sell Ie II claim rordamnges, norrower rail. 10 respond 10 Lender wllhin 30 dAys.aner the date Ihe notice is given, Lender Is'authorized lo.collecl'and apply the proceeds, al tis opllon, either 10 reslorolion or repair of the Property Dr (0 Ihe sums secured by Ihis Security Inslrument, whether or nollhen due. Unless Lend<:r Dnd Dorrower olherwise ngrec in wrillng, nny applicallon or proceeds to princlpal.hall not extend or poslpone Ihe due dale orlhe monthly payments rererretJ 10 In paC1lgraph J or change Ihe amoUnt of such pnymenls. 9. Dorrower Nol Released; Forbeornnce Dy Lender Not n Waiver. &olendons or Ihe time for (laymenl or modHications of amortlzaUon or lhe sums iecured by Ihls Securily Inslrument grantetJ by Lender to Dorrower or 10 .any successor In inleresl or Dorrower .hnlt not operale 10 release the UnbiJIly orthe original Borrower or Borrower's successors In inleresl. lender shall not be required 10 commence proceedings agalnsl any successor in Inlerest or reruse 10 ell lend lime ror p:lyment or ollterwisc modiry omortlznlion or the sums securetJ by this Securily 'nstrument by rc.1Son of any demand. made by Ihe original Dorrower or Bocrowe~'s successors in Inlerest. Any rorb~r"nce by Lender In exercising any richl or remedy slmll not be n waiver ur or I'reclude Ihe ellercise or any richt or remedy. 10. Successors nud Assigns Dound; Jolnl and Sc\'crol LfuhllllYi Co-Signers. The cOVenanls am' agreements or Ihis Securily Inslrumenl shnll bind am' benefit the successors and aui!:ns or Lender Ind Dormwcr sulticctllJ Ihe provisions or I'nr3J:r.lJlh 17 (0). Unrruwcr'5 cnvCnlUll:'! lInd nt:reelllcnls sh311 be Joinl . nnd scveral. Any Dorrower who co-sicns Ihis Securily Inslrumenl but docs not el<<ule Ihe Nole: (a) Is co- sit:ning Ihis Security Inslrument only to mor1gage, granl and convey Ilml Darrower's interest in the Property under Ihe terms or Ihis Securily Inslrumenti (b) is nol personally oblig31ed 10 pny Ihe sums secured by Ihis Securily Instrument and (e) agreC$ IhatLend<:r and any olher Dorrower mny acree 10 extend, motJiry, rorb~r or make any accommodallons with recnrd to Ihe terms or Ihis Security Inslrum'ent or Ihc Nole withnut that Borrower's consent amJ without thereby impairinc thnt Borrower's oblicnlions and liahilily hereunder. JI. Lonn Chorcc.~. Jr Ihe loan secured by Ihis Securily 'flslrurncnl is sulticcl 10 a Jawor regulalion which sels maximum lonn charces, nnd Ihat Jawor reculalion is finally inlerpreled so lhat the lnleres( or olher loan charges collecled or 10 be collecletJ In connection wilh Ihe loan elccedlhe permilled limits, Ihen: (a) any such inlerest and/or olher loan chnrges shall be reduced by Ihe amount necessary 10 reduce Ihe inleresl and/or ~Iher loan chnrces 10 Ihe (Ierlllillcd Iilllili nntl (h) nny SUIIIS already collecled rrorn Dorrower which ellceetJed permilled limits wilt be rerumJed In norrower. LemJer may choose 10 make Ihis rerumJ hy reLlucinc Ihe princip:ll owcd under Ihe Nule or by m:lking n direct pnYlIlenlln Dorrower. Ir a rerund reduces J'rincipnl, Ihe rcductilln will he lrenh:L1l1s n partinl (Irepaymcllt. 12. Nolices. Any no lice 10 Dorro~r (IrovidetJ ror In Ihis Secnrit)' 'nslrumenl shall be given hy delivcrlng il or by mailing it by firsl class mail unless applicnhle InW1Cqulres use or anolher melhod. TIle notice shnll be dir<<led 10 the Properly AtJdrcs~,or nny olher lIddress Dorruwcr dcsignnles by nolice to Lender. Any notice 10 Lender shall be given by firsl c:J3s$'runil"lo Lender's o.ddress slnletJ herein or any olher address Lender tJeslgnnles by notice 10 narrower. Any nolice proviLletJ rur in Ihis Securily Inslrumenl shall he deemed to have becn given to Dorrower or LenLler when given. ns provide~li:l.r~r?liC1lJlh 12. rA ISTnNtJ r['(I!D Mle "lORTOArlC. ^rCIIDnItJI bOOK126? fAtE 863 r^onJor, Mr;OI'~^.r^x ,.. . ~, :-. ;:.:~,:- :~,~ '.. '.' ,. ,.. '.".. .... ',,' ,'. ~:: ..... .... .:'; {~ " .:;~~ :::~ . I'.. .. ',:';:: ....... ",',,'..' "\'?~i:\::'!'<:';;';-!<;'" ':. ...." .."'...''';'',,'.',:;'i"':I..U..,,:.:I.',;i;:''::;~:;:.:;.i;'...,.::,.;~.:i;ii;;:~.\!i~.:;;~~1F:~W1~f~~ " Q ,liD 'i:?::)::,::'!9 JJ. Govl!rIIh;~' LO"I Scvernblllly. !rlllls. Security Inslrument Is . second prlorily morlcace IInd Ih. ~riclnal princlpal'amount of Ih. Nol. Is $50,000 or Ie.., fedmllaw .n~ 1111001. I.w will govern Ih. .,... Inlerest rnlc chnrccd on Ihe Nole. Otherwise, (etJerallaw. PennsylvanIa haw nmJ any IOClIllllw thll Ipplles hi Ihe place In which Ihe Propeny Is locllttI will govern thl. Securtly Instrument ((wend law and PennsylvJnla law will also govern Ihe Inlerest ralc chargetl on lhe Nole Ir either Ihe orfgtnal principal amount of Ihe Nole excews $50,000 or Ihls Security InslNment Is a nul priority mortgage). In Ihe Cycf1llhal any Il(Ovlslon or clnuse of lhts Security InSlnllucnt or the Nole canOlcts wtth appllcnbla IIIW, luch canOlct Ihllll nol arfeet olber IlrovlstJlh1 of Ihll Securlly Inslnllllellt ur Ihe Nole which can be given erfed Wllhout Ihe connlcllng IJfovlslon. To Ihls end the provisions of Ibl~ Securtty 'nslrument and Ihe Nole are declared 10 be leverable. , . . . 14. Dorrower's C~I'Y. Dorrower acknowlWges receipt of f1hOlocopy or a co~formed copy of Ihe NOle and or Ihls Suurlly 'nllrument. JS. Sole of Nole; Chalice or Lonn Servlcer. TIle NOle or a 1IIII11al inlere.st In Ihe NOle (Iogelher wllh IIl1s Se<:urlly 'nslnlmenl) may be laId one or more Ihllts wllllolll prior nollee 10 Dorrower. A s:lIe IlIDY rcsull In n chnni:C In Ihe enllly (known ns IIIC "Lonn Servicer") Ihal eolleels mnnlhly paymenls due under Ihe ' Nole and Ihls Security 'nslrumenl. 111ere also IIIny be one or more.clmnges of Ihe Lonn Servlcer unrelaled io n snle of Ihe Nole. Ir there Is h chnnco of Ihe Lonn Servlccr, Uorruwer will be given wrillen no lice of Ihe . chango In aecord:mce wllh paragraph 12 above and nppllcable law. nlo nollee wlJl Ilale Ihe name and address or Ihe new Loan servleer 8Iu.llho'nddress to Wllleh paymenls should be mado. .TIle nolice will also conl:aln nny 01 her Informalton required by applicable law. .J6.. . iJozardous Subslnllces., Borrower.shall not cause orpennillhe presence, use, disposal, slomge, or'release of any Hazardous Subsianc~ on or In Ihe Property. Dorrower shall not do, ,nor allow anyone else 10 cIo, anylhlng affecllng Ihe Properly Ihat Is In violallori of nny Environmenlal Law. The preCeding lwo sentences shall nolapply 10 Ihe presence, use, or sloraee on lhe Property.of small quantllies of Ilnznn'.otls Suhslances Ihat are cenernlly recogllized III he "f1PlnJlrinle 10 nnrma' resldenllal Uses and to Innlnlenanee of Ihe Property. Dorrower s'hall promptly give Lemler wrlllen nollco of any Inve.slll:nlion, claim, demAnd, lawsuit or olher aCllon by any governmenlal or regulalof)' agency or privale party involving Ihe Properly and any Hazardous Subslance or Envlronmenlal Law of which Dorrower has actual knowlctlge. If Borrower learns, or Is Ilnlified by nny covc~mllenllll or re!:lIlolory nUlhorlly, IImt any remnvnl ur olher remedlalion of any Hazardous Subslance affecllng Ihe Property Is necc.ssary, Dorrower shall promplly take all nuessary remedial nellons In accordance willi Environmenlal ~\Y. ' As used' In lhis paragr:rph IG, "Haiardous Subslan~cs" arc U;ose subslanees defined 8S .Ioxle or Illlzanlolls substnnee! by El1vironmenlal L,w nnd Ihe fullowlng subslanecs: gllSollne, kerosene, other flammable or loxic pelroleum produels, loxlc pcsllcldes nnd herblcldcs, volaWe solvenls, malerlals conlalnlng nsheslos or fornmldehyde, and n'ldioaClive malcri:als, As 1I1'cd in Ihls paragral'h I G, "Environ menial L:l\Y" rnt:lns federal laws and I:nvs of rhe jurisdiclion where IIle Property is localedlhat rel:ale 10 heallh, safety or environ menial prolecllon. 17. Lem'er's RlChls If Dorrower Foils 10 '{cell ProIllJ!ic,li Dnd AGreemenls. rrany oflhe evenls or condilions described in subllaragrnphs (^), (0), (C), (0), (E) or (r) oflhb pnr.!graph 17 shall occur, Ihen (i) if Ihe oricinal princip;]1 RlnculIl of Ihe Nole e,;eeeds $50,000, Lender may require Ih;]1 Dorrower pay immedialely Ihe enlire amounl remilinlng unpaid under Ihe Nole and Ihls Sccurily Inslrumenlj or (ii) if Ihe oril;inal principal 3mounl of Ihe Nole is $50,000 or less, Lender, aner giving Dnrrower lImely nollce oC Darrower's richt 10 cure as Is Ihen requir~d by npplicahle l:rw and Harrower's failure 10 cure wilhin Ihe lime period sel forth in such nnlice, may require Ihal Dorrower p:ay irnmedialely Ihe en lire . amount rcmaining unpalu under the Nole andlhis Sccurily Inslrumenl. This reljulremenl will be callc:d "Immediale Paymenl In Full." . tr Lender requires hmnedialc Paymenl In Full, Lender may brln!; a lawsuh to lake away all of Dorrower's remaining righls in Ihe Prope"y and 10 have Ihe Property sold. Allhis sale Lender or anolher person may aC(Juire lhe Property, This is known as "foreclosure and sale." trllle proceeds Oflhis sale arc lnsu(ficlenlto repay LemJer Ihe amounls due 10 lender from Dorrower under Ihe Nole and under Ihls Securily Inslnll11enl, Lender mny, 10 lhe ex lent not lillliletl or 11rohillilc:d by law, olllain a court JlldJ;nu:nl D1:ainsl Darrower personally for Ihe otlifferc:nee belw.:en all amounls due frolll Oorrower under Ihe NOlc and Ihis Securily Inslrument and Ihe sale 11rDceeds. In nny lawsuit for foreclosure and snle, Lender will have Ihe riChl 10 collecl all cosls Dlld expense,fo'of Ihe'forcciosure M'a snle nllowed by law. TIlis includes allorney's fccs nnd cosls oC lille evidellce pennilletJ by Rules of Court, and allorney's fccs- for bankruplcy proceedinc;s (inclUding eCforts 10' modify or 'v'ac:ale'nny automalie sinyor injunclion). All such sums as may come due will be secured by Ihe lien of Ihis Securily IlIslmment. (),,' :..: LemJer may require Inullcdi:lle Paymenl In I:ull under Ihis p:lragraph J7, if: ~ (M II is ducj or Uorrower nlils 10 lII:1ke any (I:aYlllcnl ref)uircd by Ihe Nole or Ihis Securily JnslmlRenl when "... "._,i::',"';':':"! ..~ ,. ... . ...:....... ;.. ". ~". . . '. . ". .... . ;.'..~.~<;.;,. ;.~..~" .~.:;; '.'.'.<'.; ::... ...~..:...;i..l...; ::\'.' ::.;...~..:,;..:\..:::i.~..:/:.?~::;::,\:.~..~;:;'~;:t~:.\:~~?J,W:~~.~,~~~ r1.:\ S) CST) ~;,:.::~.}, '," . ':'i'i:..' . ,'. (0) fuccpll;iho.. clrcum.l,nces In which rcdmll.w olh.rwl.. provides, .11 or Iny pOll o[lh. .... IJrollC~rty. or an)' rlchtln the ('rorerly, Is soh.! or Irnnsrened without Lender', prior written consent (or. If . Dorrower It not I n:aturnl person. Ir a lIeneficllllnlere.st In Donuwer It sold or Irlnsrened); or (C) On 'rrllc"llon or Lender, two or more Insurance cOh1(1anlu licensed 10 do buslnes. In Ihe Slale In wl1Ich Ihe ('rol,erly It localed reruse 10 Issuc rollcles Insuring Ihe bulltHngs .nlllm(1rovement. on Ihe rroperty; or . . . (0) Darrower rails 10 make "ny (1l1yment r~(lulretJ by any senior mortgage, deW of lrusl or olher lecurlly Instrument encumberIng or afrecllng Ihe rroJ1erty, or Borrower fl\lIllo keeplny olher promise or ngrccment In liny senior morlgagc, deed or trust or other security Instnunenl encumbering or Irrecllng Iho Property; or (E) Dorrowe; f"Us to keep any ulher promise or Igreement In Ihls Security Inslrument wtthln Ihe lime set forth. or If no time Is set forth In IlIls Security Instrument, Ihen Wllhln Ihe time set forth In Ihe no lice senllo Dorrower by Lcnderj or (F) Any re(1resentallon made or Informallon given 10 Lender by Dorrower In connection wllh Dorrawer's "Pldlc.o.llan for the loall evldencell by Ihe Nule Is false or mlsle:llllng In Iny malerhll respect. " .., .. . J8. Asslgllmcnt or nellls; Appolnllllcllt of ReceIver; Lender In ross~ton. As adllilional lecurtly hercunder, Do.rrower her:by assign. 10 Lender Ihc rcnll of Ihe Property to the CJ.lentlhat renll arc not being collected by Ille holder of an asslgnmenl of renls which has priarlly over thts Security Inslrument, provllled lhat prior 10 acceleration hereofor .nl!lIndor'!menl of Ihe Prnperly, D~rrower Ihall hllve Ihe riChllo collect and rclnin lueh rents RS Ihey l.leconie due nm] I1I1Y3hle. .Upon aceelerullon hereof or nhnndonment of IlIe Proper1y. lender, In pen!?n, l.ly Recut or by judiclnlly "]'!,uinlcd rc(.'clver, sh:'ll! he enlilled to ellter upon. lake possession of and nianage the Properly and 10 callecl the renls of the Property Including those past due. AI] renls c:ollecled hy Lender or Ihe receiver Ihall he np]llied nullo payment of the costs of management of the Property and collection of renls. Inctullinc. but not limited 10. receiver's fees, premiums on receiver's bonds and reasonable allameys' fees, Dnd then to the sums secured by this Securlly Instrument. Any recetver shall be liable 10 account only rar those renls actually received. . J9. Rc]en.'ic. Upon pRyment of all sums secllrw by this Security Instrument, Lender shall discharge Ihis Security Instrunlent without charge to Darrawer. Darrower shall pay aU cosls of recordallan, Irany. ' '.. .... 20. No Claim of Credil for Ta.'(es. Darrower will not make dc:.duelion from or claim credit on Ihe principal or Inlerest icc'ured by Ihis Securily' I~slrumenl by rCtlson orany governmenlallaJ;est assessmenls or charges, Dorrow/.r will not elaill1 any deducllon rram Ihe loubre v.alue of the Proper1Y by reason of lhis Security Inslrumenl. '..::' 21. Interest Rate Arter Judgmenl. Darrower agrees Ihat Ihe Inlerest rale pAyable afier a judgment is entered on the Nale or tn an action or mortgage foreclosure shall be the rale slaled in Ihe Nole. 22. RIders In Ihls Securil)' IlIstrulllclIl. Ir one Dr 1II0re riders are execuled by Borrower and recorlled logelller wilh lhis Securily Inslrumenl, Ihe covenAllls nnd R(;rCemenls or e,1ch such rider shall be ineorpnrnled Inlo nnd shall "mend nnd Slll'plClllenllhe covcnaul5 nlld ncrcelllcnl5 nr lllb Security fn51rument as ir Ihe riller(s) Were n (I:ul or Ihis S~curily ]nslrulllenl. ':: ,', (Ch"'k apl'lIcahl. box(es)) o Adju'lable Rale Rider o Condominiunl JUder 0 1,41'onllly IUlIer 0 D1w",kly Payment Rider 0 Second J lame Rider ;: o Gradualed Payment Rider o PJ,"ne~ Unll Develapmenl Rider ~ o Olher(s) ((speciry) '. o R:.le Improvemenl Rider ,. ~ '... .. 0, '" ....-. -, - -1969 c6t. BOOK .. .. PACE 0 " M IStnND rC<CD RATCMORTOIICC.IltC(lfVJItJJ rhons,r6 J.ICOI6~^.r^x ..~ ' :- ~.:, '. " ..... . , " ,\.... '! ., .'! . ~ ; ,; l ., . . ',',' ..... ; ',' : . , ,',-\ .,1 .'\ ! . ,~ ..,,: .j' , " , .( . . ". .. ',';. '.'".., I;':.' !:. .~.. ";:' .;"t~~:~.':.~.:,.....~ ........;~~.....'.. ;,.: ';;1; ~;".'.I",',:'~'.";'l..~.':t"."~';i'JI;;''i-:~!''i:::';'~i'~:lI~:;ij;;'::f:(.~Ii;I:;':'~~:~:~':'.:~;:::~~1~;~'~.!:~'{i~!~~~~~~~:I{:~! ,;\:;.~~;.. . '....:':1\ '. / 1":"'"\ .. ",.' 0?\ ','::/ . '(Jr,':., @":;) I ~\:;:'.:(:;'" ,_','''''', ~ ,.' . ,. !'.' '. ..\. ,;\ ..../. I ' '..m'_--'I'~ W:;:'~A'i"-i;~~t~r-l d aUlI'.te I. the 'l\7,m,,{,lp of ..,r- IIMpd nl OoUl1tyjor Ql/lborlAnd,.n ~oJ.tI1 of 1'I1IIII)I4...,la, , ' 'ponl r.rljr bordo<! ond.doocr ,,'fo11Ow1. to "it,. '. ," , _.Minl! at a point OIl ti;. ....torly lIno of' Oounlrlol4o lane,! , " (ao f t rl.ht::.ll....y),.hlch ""In, boln. Ioc:ated a dll'tOJl04 Of'210["'" r..t, ~re4 ~101lil both lilt tOIl t!IDd ourv.d M1l't...17 ;1l.. 0' '. , Oollllt old. lon. ...t or lho cont r Uno or Brl&l'>lQO(\ lon., a at I ' , IIn, vll11llg ~1117 'ran 101 11 00 lilt h.r1llnrJt... n.llnM4 P1aI1 ,I 0' !D '/ tt.loe c:cntiau1nr along _er1.y rl8/1I-<1t_1 Un. 0'; I' Oolllll 140 La.~ by a CUM to t 11ft hav11li'.a 1'Il111l1 o~ 100 ,eot' .' "'" IlIllCl of 64..B fNt to a intI llltne. conUIlUI., ~loac \b. I I 'I' weel. 1)' rll/1l;;Qf-llOY lin, ot 00 t..,..lde La.. ll>uth oe d_ .. ";, lI\1nu a 00 ..~d. _ a dlalan of \11.93 foot to a point at the i . 'I Un. lot U6 od the PIa. of 10 ot Oountl'JCldo SoctlOll (DlI tbelico : .Iore tho IlOUtlx!nl boundary Un. lol. 11 T'ahd 116 aI t~. . ii' horel att,r mon~lon.d PIa. of' lo~ 01 tilt 11"" rUvll1b,. .~d lor;i .. ./ lato 03, 104, 106, '&lld U~ rn PIo4 of Loto of OouIItf11l1de ..I' (D), uth 1ft degree. 20 IIl1num ,ooonds Murt a l11at.... or 06,] , f..t a point ~t lho ...t... I .r lot 17 or Country,ld, 00.;t1'!'1 I' (Ol: lie""" ""ntillulrig' alol1ll tht NI il1virU., tot 77 pf Oountrpldq ;.. SocU . (8) IlIId ~t. BB and 67 f Lot 111 OIl the b'"'ev.att,r . i' menU od Pl.. of I.e.to Ibl-th 08 d. .. 4. ..1ou* 00 """"??0o lI..t ~ . I , dl.t co ot 3ll0,~0 r..t, to,. point It tbo.lIoo I11v11111lg Ill.t 48 ~""" I 1'1, :- Illt 1 6 on the ljIretnarter I1lIlltim Plan of Illla: then.. OloaC .the I> , 11.. virUnc !D,t 48 IIld .6 frcm t U8 c:il tho 'hol'Olnafto, ...n~IOIlI4 :: Pl.n r ,lot. Ib'th 7B 401"000 29 nu~ Dost a rUwta::oo ot 1:15.10 I" ltol a poillt ~t the ...tem 1 of Illt 35 011 tho htrw1l>ah8r ": , ,.. ....tWS Pl~1oto: then.. alb tho 1Ino rUvll11..tot'36 trall~' 'j:! 118 tb .a . 4. JIllnul.. 00 /IOOOIIdlI1!'awt fo 41otoAclI' of Tll.9S ,.i tNt, thoi"", oc~tir&l~ &loll( tile 100 I11Vl1l1n1r.tot 3ft 1,,* Illt 118: ,. ~dat 1m i dlv d1cg lo~ 84 ~ ~t 116 ai.tboi1Wtl'r I . !: .~... :....UCII~ Plo4 of f.!te' Ibrth 76 a4 II~ 00 ~'rut a l11otaooo, of 11l5.DO, feet to a point a the 11.. rUvldlnC tot Uft f_ tot 116 ;,;; tile I.rp~.attor _Uonod Plan of Illter tboiice ~I tllO lIno d1v~I11.C.1otj.1B trcol tot 116 tbu beroinarter nntlonod Plan ," ot totttth DB d.ll"eO. 44 "inut.. 0 .tteondo rut a rUllani:o Of . 90,61 f t to i po~t al tho .orlbo bauidt.Jy 1Ino Of lot U1 aloo ' boll1ll , ,line <n' I11ng Lot 117 Iran lot 118 o~ tho Iltrolnathr .' _tlo Pla:l or to; thonCl by t l100 cI1V1d111g LoI /.11 ",4 lot ',I , UB. Qn t bll'Oln t.. _tl.oned PI of Illt, 9:luth 81 d.~. 48: . i mlnutea ""CQ1d',1!'awt a dlal..OI 0 84..8 loot tD a polllt a.,d p4c6 ot bID MOo . 'i ~ '. t . I. DE II) all ot ilot lIB and 117 c tho l'lnal &bdlvll1oo PlIII of Cbunt17. do;dCI1O (A)....t tortb . Qlllberland County P~ ItloI< 28, ~6. I . , , 'IU S tal boin( -so 'I. f1\IJlco Irli~ tilt ';;p ~t C, W. Juil~In~ ~atv"1 In.., lhta4 p.Aln 1087. : , " . 't' , " . , . pO--tu.e +-:\ (0-\0- 1~G,- :;}-. ~ r... ,- .,,".: ~~. -.- /~' .,::.. ..- ,- ,.~........~.....~ -1?fj? "S7 BOOK " '. pm 0 ',- ':, "", " . ,.......--..... . "...j'.,,'..,'.:... .' ., "".'''./1. ,,','.'.>1:\""/";, ...:......."...." f: . ' ........ . T\ lIAr,LOON NOTE. SJ . '.\:':" ..... 'TII& IrINAL l'o4.YMEN'r UNDIlII""I1S NOTE IS SUIlSI'ANTIo4.LLY GIlEo4.''KR '11AN TIlE PREVIOUS pAYMENTS. YOU MUSI' IlIlrAY TIlE 1tN'11I1E UNPAID l'IllNCII'AL BALANCE OF TIlE LOAN AND lJNI'AlIlINrnRFSr mEN DUll. '11m LIlNDEIl IS UND~:Jt NO OBLlGo4.TlON 'CO REFlNANCIl TIll! LOAN A" TIIAT '!Thill, YOU WILL, TIml~:Jo'ORE"BIlItEQUlIlED TO MAKE PAYMENT our OF arlllllt ASSIITS TIIAT YOU MAY OWN, on YOU WILL nAVE '1'0 FIND A LIlNDRn, WlIIClI MAY JIll: TilE LF.Nl>llIt YOU 1104. VB 1111$ LOAN WITII, Wll.LING TO LEND YOU TIlE MONEY. IF YOU llEFlNANCE 'rllIs WAN AT MA'nmITY, YOU MAY IIi\. VE TO PAY SOME OR ALL OF TilE CLOSING CO~7S NOltMALLY ASSOClATIID wrrn A NEW LOAN EVEN IF YOU OBTAIN REI'lNANCING FROM TIlE SMlR LENl>EIl. " ~: , .: I ~ US S 40,000.00 Hochanlcsburq PENNSYLVANIA Hay 8, 1995 I Olio 3505 Countrysida Lana Camp 11i11, PA 11011 (I'ropttly Add,,,..) 1. BORROWER'S PROMISE TO PAY , 10 return for a loa. tbat I bave recotved. I promlso.o pay U.S. S 40,000.00 (lbl. amOUnt Is called "prtactpll-), plus IntcrMt, 10 the order oflbe Lender. The Lender II Alltanca Funding Complny, I Divilloa at Superior Bani: FSD. I uodentand thal Ibe Leader may I..nsfer tbl. No... 'lbe Lender or anyono wbo tal:es 0,1. Nole by t..ns(er and who I. enUOtd to, m:elvo payme.u under thl. Nole I. t:llled th. 'Nolo Holder,' Z, INTEREST Interest will be eharBed on the uopald principal uolll tho fullaDlount or prlnelpal bas bee. paid, I wlII pay Inlerest at a yearly nle or 14. 990 ~. Ioterest will be cbarged uollllbe principal has been paid In full. n. Inlcrest .... required by Ihi. SectIon 2 I. lb. nlo I will pay bolb befon and an.,...y d.fault deserlbed In S...lon 6(D) orlhi. Nol.. , 3. PA YM1lNI'S . I will pay p~ipa1 &bd Interest by 'maklo& paymcnlJ cvuy rD:oDlh. l!:tch DC my mon~ly payments, except tor the fiDill paYIlICDt,wtUboJnthoatllouotofU.S.S 505.46 . AlsumlDJ: all ccbcdulcd p.yments of prlnalpal and interest arc made on thelt due dates, the final ~)'ment will be U.S. $ 36.635.76 I wilt make my monthly paymentl on the 12th day of each month beglMlng on June 12 19~. I wtll Make lhesD payments every month unlll Hay 12 . , 2010 r on which date 1 wiU pay In full all oftbe Rmalnlog principal, accrued lnlcrest and any other cbargtli, described below, rhat I may owe under Ihls NQ.t~. Ul11ea appUcabto Jaw prvvtdu otherwise, all payments will be appUed tint 10 accnled and unpaid Interest to the date arpaymeat and tha rem:dnder, If.any, to the unra1d prlnclpal balance. Any Inle Cbllll:~1 coUcct1on COS~ lad expenses, . dishonored chock charges aad paymcolJ ronde by the Nato Holder 10 enforce lJlfs Note and/or to protect the Note Holder's: inleresls under Ibe S<curllY InstruDlent (as de5ned In Socllo. 9) will be as,essed .,,,,,,,,lely. .\ , I will malee my monthly paymenls at 135 Chestnut Ridgc Road, Hontvalc, NJ 07645 t Dr ala different place If required by the Note nolder. 4. nORROIVER'S RJGIIT TO PREPAY I have tbo right 10 make paymonts of principal It any limo before they arc due. ^ payment of pnoctp:11 only I. known u & -p"paymeol.. . 1 may make. full prepayment or partial prepayments withOUI paying any prepayment penalty. Tho Note Holder wilt use all of my prepayroents to reduce the amOUnl of princlpallbat I owc undet ibis Nola, Ifl make II partial prepayment, there. will be no eb811ges In the due datu or amouou or my mooUtJy J>i1ymenU unless lb. No'" lIolder 'J:tCC$ In wrlOog to Ibose changes. ~cept;l.li provided in sccUon S, the Nole Holder eams any prepaid finance cb:uge at Ibe lime the loan Is made and no part of It wUl be refunded If J P'lY in full ft.hc:sd ~f Ichedule. s. LOAN CIIARGI1S , It a law or regula1.ion, which applies to thls loa a and which sets maximum loan chargcs, Is finally lntctprcled so 1h3tlhe lolct<stor other lo.n ebarges collecled or 10 be ccllccled io conocellon with thl. loaD exeted lb. perrolllcd limits, Iben: (0) any such inlerest andlor olher loan charges shall be reduced by the amounl necessary 10 reduce the lnlc:tert andlor other 10:10 cbarges to Ibe perrollled limit; .od (01) any .um. .I,cady eoll..l~ froDl,me whleb ClCcecded perroiUed IimiU will be re(unded . 10 me. The Note Holder m:l)' cboosclo make Ibl5 refund by reducing Ihe prtnclpal I owo undet Ihis Nolo or by makin.: .'dl~t Jl3yment 10 me, If I refund reduces princlpat, lhc reducllohwlll be 1ret\lcd as Il pat1hll prepayment. .J ~ I I I I h i 6. nORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Cbarxes ror Overdoe P>ymonls Ir Ibe NOle Holder bas oat r=lvtd Ibo fuU amount of any moolhly psymenl by the end o( finoen (15) calendar dRY' .ner the date it is duo, I will pay a laic eharge to the Nolo Holder. Tho llIl1ouot or Ibe ebarge will be 5vo pcreent (S%) or my .eheduled p.yment or prin.ipal and Inl=l. I will pay tbl.lalo obarco proDlplly but oo\y 00" 00 eaeb 1,Ie paymeot. i\.ny laic charge wlU be 1.0 addition to Interest on the Ihr.n outstandlng principal for each d3Y the paymcat ls laic, '-.' M 2.HD SStJ,COJAHtJ UNDER I'PCZD kATEAB MTOtlO't'U.Arc NO PI'I' (Iontn) \ I'ACIl I OP2 Hl'OSlU.'AD , " ' ~ : ' '. (0) Def.ulJ ~ ......\ ' If I do oat pay tho (ull .mouot G. ..acb moplbly !'Iyme.1 on tho dalO Ills due, ..III be III defaull. If I am In d.r.ull, Ole Nola Holder will und me . wrlUen nodco leltlnc nu' tblllt J do Dolllay the OVtuhlD Imountlllul permtut.d cos" and upenlu by . ccrtllu dlra the Nole Holdet may rUluhe me to PlY Immtdlllely lhe rull unrald principII blllnca plul accrued .rll) unplld lnte~ and Iny other Imounts I then owo under dlil 10111. 11111 dala mU'1 bel II lean 30 day. IOcr Ihe Wale on which Ibe nollee Is m.lled to me or, If It Is nol mailed, 30 d.y. .n...tho dole on ",lIIob Ill. delly....1 to m.. (e) No W.lv.r Dy NOlO Holder Even If, ,I . lime when J 1m In derlUlt, the Noto Holder does not re<luh'C mo 10 PlY Immedlltely In full u described Dbovc, Ihe Note lIo1der willltlll have tho rlChllo do '0 It 1 am In default III a later lime. (D) P.ymCJ\t of Nato Holder'a Co.1a .nd E'pen,es If I def.ult, ",l.etber or nottb. Nolo Holder bas l<<jul,w m. to pay Immedl.lely In f\IIl as deserlbw .bove, tbe Nole Holder will bavo 0,. rlgbt to be p.Jd b.ek by mo for all of It. co.U .nd upen... In ooforotng Ihls Nole to tbo esl<ol not prohibited by IppUClbto raw. Those eJ:pen&eI Include, for example, 'reasonable altomeys- fees not prohibited by applicable Ilw. J will 11.0 pay I charce of $10 r1u.any actual bank chl1tgcs for each dhihonored check, draft or olher IDslrUmenlluued b)' me In P':ymMt on 0.1. lOin. ' 7. GJV1NG OF NOTICES Units. appUcablo Ilw rcqulra a dlffereDI method, lay DoUee that musl be clven to mo uDdor thll Noto will bo ;iYen by ddlverlog It or by m.lllng It by fint el... mall to ..a alth. Properly Add..... abov. or at a dllfem>' add= If Il:iv. tho Nolo Holder a noOce of my dllf.rcnt.dd..... Any ooUce Ibal musl be glveo to lbe Nole Hold.r uoder tbis Nol. will be given by ..ailing it by 0[$1 elas. 01.1110 d,e Nole Holder at the addttil ,Wed la SectIon 3 above or al a different eddren If 1 ftM given a notice of Ih31 different address. 8. DORJIOWER'S WAIVERS 1 waive my riCbls to require the Note Holder 10 do certain thJngs. Those UlIngllC'c: (A) to dcmlnd payment of amounl. dUD (known ., .precctllmftat")j (B) 10 tive aotlce IhallmoualJ due bave nol bun paid (kDown as .oaticc of diJhonar.); (e) In oblain Rn official cenlncntlon 0' nonpaymenl (known RS I .pmle.!I.). Anyone else (i) who acrcec 10 keer the promise! mldc I. thl. Note, or (II) wbq .s..... l.J maka payments 10 the Nolo Holder If I fAIl to k..p my proml... uoder Ihls Nolo, or (ill) who .I%:ns thIs Nole to transfcr It lO someona else (known as "euarunlon;, luretie.s, and endoners"), .Iso waives these ri&hls. 9. THIS NOTE COVERED BY A SECOlUTY JNsrnUMENT A Security JD5lrumeJll of even dalocoataIuing a dClicription ormy real properly prolecls the Nolo Holder from poulble loues which mlgbt ....It If I do not keep tho promises wbleb I make In tbi. Nol<. This Nolo Is .eeu,w by Ib.t Security IJulcumenl. Thlt Security Instrumenl de.seribu hl)w and under what coadllloDS I mil)' be required to make Immedlllte payment 10 (~lJ of _n amounts that J owo uader tht& Nole. 10. RESPONSIDILrrY OF l'EllSONS UNDER TIDS NOm If more than onD person Ilgus Ihb Note, each ot us Is full)' IDd personllly obligated to pay tbe full amounl owed plus the charges IUi described in SecLlons 6(A) Ind 6(0) and to keep all or the promises modo In this Nato. Any cuannlor, surety, or endorser of tho Note (as descrtbed in Secllon 8 above) Is allO obligated to do UIUC things. The Noto Holder may enforce its rithls UDder Ibis Nato .pfost each or us Individu:ally or agalast 011 of us loCelliCt'. This mcaoclhatan)' ODe of us may be Rqulred to pay aU at the Dmounll owed under this Note. Any person wbo takes over my dghls or obllcallonl under dtls Note w11l have all ormy riShts and mU'1 keep aU Dr my promise; made In this Note. Any person who takes over the riGhts or obllgaltons of II guanDlor, surcty, Dr endorser of Ihl. Note (u: de.scribed la Section 8 above) Js also obUgsled to keep all of the promises made to this Note. 11, APPLlCAJlLE LAW Federa113w and nllnais law will govern the inlere.st. rale cbarged 00 this JOin. Othe:wise, this Note Ibilll be governed by Ibe law. of the Coinlnoowealth of Peoo.ylyaola .nd any applicable fe<le..ll.w. In Ibe event of. cuornel belweco any provision or this ~ote :aDd any applicable statute, law or rel:Ulallon In effect IS of the dale of this Note, the SLltute, law or fCGUlallon sblll control to tbe C%tcnt ofsucb connict aad the conflicting provIslon contained in thIs Note shall be wilboUl effect. AU other provisIons of ibis Noto will remaIn fult)' effective Ind enforceable. < WITNEss nm HAND(S) AND SEi\L(S) OF nm UNDE~G~. /1 /7 · (JJ~~t (Sw) , / C~los HcCown -Borrower f /flP~ 0, '/tC &,urrJ (Sf'I) Patricia A. McCown . -Borrcwer " :j; " - .... (Seal) -Borrower (Scal)......... "__ _' -Borrower '-.,.,J.. FA 2NDJJO,O::OAtfD UHDnl FtXIlD RATe All Ml"O t10TU.. Arc NO rrr nM/U) rAOU20l'2 1ITtllS2.tI.\.J'''' THElLAW OFFICES OF GREGORY JAVARDrrAN 44 Second Street Pike Suite 20J Southampton, III 18966 Phone: (215) 942.9690 Fax: (215) 942.9695 Charles McCown :-- 3505 Countryside Lane Camp Hill, PA ~7011 October 29, 1997 REGULAR and certified Mail # Z 452 903 12"t. Phlladelpbla Office 2021 Locust Street 2nd Floor Suite Philadelphia, PA 19/OJ Please reply to THIRTY DAY NOTICE OF INTENTION TO FORECLOSURE MORTGAGE AN6uthamptonOffice ACCELERATE LOAN BALANCE UNDER ACT. 6 OF 1974 Mortgage Property: 3505 Countryside Lane Camp Hill, PA 17011 Lender: Lee Servicing Company servicing agent for LaSalle National Bank To Whom It May Concern: The MORTGAGE held by the Lender above named on your property located at the above address, IS IN SERIOUS DEFAULT, because 'you have not made the monthly payments, late charges, and other charges as 'follows: Monthly payments of 1/12/97 thru 10/12/97 $505.46 per month totaling $5,054.60 and late charges totaling $277.97, property inspections for $100.00 total due this date being $5,432.57. The t~ta1 amount now required to cure this default, or in other words, get caught up in your payments, as the date of this letter is $5,432.57. Starting November 12, 1997 a monthly payment of $505.46 will b~ due and owing on that date and the first day of every month thereafter. Additionally a late charge will be due and owing after the 15th day of each month thereafter. You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to the undersigned, the above amount of $5,432.57, before November 12, 1997, or after November 12, 1997 $5,938.03 plus any additional monthly payments and late charges which may fall due during this period as stated in the paragraph above. Such payment must be made either by cash, cashier I scheck," certified check or money order. THE LAW O'TIC.J 0' GREGORY JAVARDIAN If you do not cure the default within THIRTY (30) DAYS, the lender intends to exercise its rights to accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lo~e the chanc~.to payoff the original mortgage in monthly installments. If full payment of the amount of the default is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorney to start a lawsuit to foreclose upon your mortgaged property. If the mortgage is foreclosed your mortgaged 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 default before he begins legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, 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 the lender, which may also include the reasonable costs. If you cure the default within the thirty day period you will not be required to pay attorney's fees above $50.'00. The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage Note. If you have not 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 one hour before the Sheriff's 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.~ees and costs connected with the foreclosure sale and perform any other requirements under the mortgage. It is estimated that the earliest date such a Sheriff's Sale could be held would be approximately five (5) months from the date of this letter. A Notice of the date of 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 will be by calling your representative Kim Erickson at (1-800-451-1093 ext. 6073). This payment must be made in cash, cashier's check, or money order and made payable to your mortgage company. You should realize that the Sheriff's 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 Sale, a lawsuit could be started to evict you. THE LAW OFFICES OF GREGORY JAVARmAN 44 Second S1reet Pike Suite 203 Southampton, PA 18966 Phone: (215) 942.9690 Fax: (215) 942.9695 Patricia A. McCown 3505 Countryside Lane Camp Hill, PA 17011 October 29, 1997 REGULAR and Certified Mai1 # Z 452 903 12"'\ Pbilodtlpbla OjJice 2021 locust Street 2nd Floor Suite Philadelphia, PA 19103 Please reply to THIRTY DAY NOTICE OF INTENTION TO FORECLOSURE MORTGAGE A~u0ampmnOjJice ACCELERATE LOAN BALANCE UNDER ACT. 6 OF 1974 Mortgage Property: 3505 Countryside Lane Camp Hill, PA 17011 Lender: Lee Servicing Company servicing agent for LaSalle National Bank To Whom It May Concern: The MORTGAGE held by the Lender above named on your property located at the above address, IS IN SERIOUS DEFAULT, because you have not made the monthly payments, late charges,' and other charges as . follows: Monthly payments of 1/12/97 thru' 10/12/97 $505.46 per month totaling $5,054.60 and late charges totalinq $277.97, property inspections for $100.00 total due this date beinq $5,432.57. ~ The tcrtal amount now required to cure this default, or in other words, get caught up in your payments, as the date of this letter is $5,432.57. Stal:ting November 12, 1997 a monthly payment of $505.46 will be due and owing on that date and the first day of every month thereafter. Additionally a late charge will be due and owing after the 15th day of each month thereafter. You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to the undersigned, the above amount of $5,432.57, before November 12, 1997, or after November 12, 1997 $5,938.03 plus any additional monthly payments and late charges which may fall due during this period as stated in the paragraph above. Such payment must be made either by cash, cashier's check,' certified check or money order. THE LAW OfflCIS OF GREGORY JAVARDIAN If you do not cure the default within THIRTY (30) DAYS, the lender intends to exercise its rights to accelerate the mortgage payments. This means that whatever is owing on the original amo~nt borrowed,will. be considered due immediately and you may lose the chanc~ to payoff the original mortgage in monthly installments. If full payment of the amount of the default is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorney to start a lawsuit to foreclose upon your mortgaged property. If the mortgage is foreclosed your mortgaged 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 default before he begins legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, 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 the lender, which may also include the reasonable costs. If you cure the default within the thirty day period you will not be required to pay attorney's fees above $50.00. The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage Note. If you have not 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 one hour before the Sheriff's 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 such a Sheriff's Sale could be held would be approximately five (5) months from the date of this letter. A Notice of the date of 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 will be by calling your representative Kim Erickson at (1-800-451-1093 ext. 6073). This payment must be made in cash, cashier's check, or money order and made payable to your mortgage company. You should realize that the Sheriff's 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 Sale, a lawsuit could be started to evict you. THlELAW OFFICES OF GREGORY JAVARmAN 44 Second Slreel Pike SlIlte 203 Solllbamplon, PA 18966 Prone: (215) 942.9690 Fax: (215) 942.9695 October 29, 1997 Philadelphia Office 2021 Loc/lSl Slreel 2nd Floor SlIlle Pbiladelpbla, PA 19103 Sent: Certified and Regular Mail TO: Charles McCown Patricia A. McCown 3505 Countryside Lane Camp Hill, PA 17011 Please reply to Solllhampton office IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 PLEASE READ THIS NOTICE YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS RE: Account (loan) No. Property Address: 660708918 3505 Countryside Lane Camp Hill, PA 17011 TO: Charles McCown and Patricia A. McCown FROM: Lasalle National Bank c/o Lee Servicing Company Your Mortgage is in serious default because you to pay pfomptly installments of principal and required, for a period of at least sixty (60) days. amount of the delinquency is $5,432.57. have failed interest, as The total You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowners' Emergency Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control and if you meet the eligibility requirements of the Act as determined by the Pennsylvania Housing Finance Agency. Please read all of this notice. It contains an explanation of your rights. Under the act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this notice:' During that time you have the right to arrange a "face-to-face" meeting with the representative of the lender, or with a designated consumer credit counseling agency. The purpose of that meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency. That meeting must occur in the next thirty (30) days. THE LAW O,,'C&! 0' GREGORY JA1fiJWIAN If you attend a face-to-face meeting with the lender, or with a consumer credit counseling agency identified in this not~ce, no further ~roceedings in mortgage foreclosure may take place for thirty (30) days after the date of that meeting. The name and telephone number of the representative is: Kim Erickson Telephone Number: (1-800 451-1093 ext. 6073) The name(s) and address(es) of the designated consumer credit counseling agency(ies) is(are): see attached It is only necessary to schedule one face-to-face meeting. You should advise the lender immediately of your intentions. If you have tried and are unable to resolve this problem at or after your face-to-face meeting, you have the right to apply for financial assistance from the Homeowners' Emergency Assistance Fund. In order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application with the Pennsylvania Housing Finance Agency. The consumer credit counseling agency will assist you in filling out your application. It must be filed or postmarked \"rithin thirty (30) days of your face-to-face meeting. You must either mail you application to the Pennsylvania Housing Finance Agency, or you must file it at the office of one of the de~ignated consumer credit counseling agencies listed above. The Pennsylvania Housing Finance Agency is located at 2101 North Front Street, P.O. Box 8029, Harrisburg, ,PA 17105. Telephone Number: (717) 780-3800 or 1-800-342-2397 (toll free number) . An application for assistance may be obtained from the lender, from a consumer credit counseling agency, or directly from the Pennsylvania Housing Finance Agency. It is extremely important that you file your application promptly. If you do not do so or if you do not follow the other time periods set forth in this letter, foreclosure may proceed against your home immediately. Available funds for emergency mortgage assistance are very limited. That will be disbursed by the Agency under the eligibility criteria established by the Act. Greene, Huntingdon, Indiana, Jefferson, Juniata, Lawrence, Mercer, Mifflin, Synder, Somerset, Union, Venago, Washington & Westmoreland Counties (8) Consumer Credit Counseling Service of Northeastern Pennsylvania Connell Building, Suite 401 Box 169 Scranton, . PA .18501 (717) 655-9527 Bradford, Carbon, Columbia, Lackawanna, Luzerne, Lycoming, Monroe, Montour, Northcumberland, Pike, Sullivan, Susquehanna, Tioga, Wayne and Wyoming Counties. (9) The Budget Counseling Center 247 North 5th Street Reading, PA 19601 (215) 375-7866 Berks, Chester, Montgomery and Schuylkill Counties (10) Fayette County Community Action Agency, Inc. 48 East Church Street Uniontown, PA 15401 (412) 437-6050 or (412) 437-4400 Fayette County Only (11) Indiana County Community Action Program Box 187 Indiana, PA 15701 Armstrong, Cambria, Clearfield, Indiana, Jefferson, & Westmoreland Counties (12) Housing Council of York 116 North George Street York, PA 17401 (717) 854-1541 (13) Housing Association of Delaware Valley 1314 Chestnut Street Suite 900 Philadelphia, PA 19107 (215) 545-6010 658 North Watts Street Philadelphia, PA 19123 (215) 978-0224 (14) Housing Opportunities, Inc. 133 7th Street P.O. Box 9 McKeesport, PA 15132 (412) 664-1590 Allegheny, Beaver, Butler, Washington and Westmoreland Counties 23) Urban League of Metropolitan Harrisburg 28 North 2nd Street Harrisburg, PA 17101 (717) 397-5182 Cumberland, Dauphin and Perry counties (24) Urban League of Philadelphia Urban Education Foundation 4601 Market Street 2nd Floor South Wing Philadelphia, PA 19139 (215) 476-4040 (25) Urban League of Pittsburgh, Inc. Building of Equal Opportunity 200 Ross Street Pittsburgh, PA 15219 (412) 261-1130 Allegheny County only (26) Warren-Forrect Counties Economic Opportunity Council 204 Liberty Street P.O. Box 547 Warren, PA 16395 (814) 726-2400 Forest and Warren counties (27) YMCA of Carisle 311 South West Street Carisle, PA 17013 (28) Montgomery County Opportunity Board 530 Church Street, 2nd Floor Norristown, PA 19401 (215) 277-6363 Bucks, Chester, Delaware, Montgomery, & Philadelphia counties , I j .' VERIFICATION The undersigned hereby states that the statements made in the foregoing pleading are true and correct to the best of his/her knowledge, information and belief. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. #~/ '- .7 THERESA FISCHER ~ ~ CI) CD CI) - ~ .. :; .- 0; M E o ... le D r 1 !!. t l I ~ ~::: .~'""::i '.0 ..I... i 0 ~ (";l '::J,.., r-' .; c.. 0 ~ i-Cr. < ~ J r- ;;; 0 ,. '''!'l ~:::1 ~ n &.~ "'0 ::s ....; ll~ c i" ~o( in m~ ~ ~c: .. ~ file /!: 5 -~ '" .. ~fil ~ ~o Ii ZO m nO: 7'~ (!In ",,.n "'Ejm h~ ~n g~ ~o ~." -3: ~~ 0- el!: zZ oGl '" r;;-..'''''". II 0'0"'_ , !!: ~ 3 ir ,.,~:: ~ 3'!!. i' o F.6.12l!.!!:. !!r.~:J' , '. ':.~. - ~'1l ~ ,,~ --- '" QI "'1.....\..1\9..,:," 5' .-', ~~g1.~!!l It l_ a-~-riI ~ a a&.i . . -.. , ,,,,'-.' .r'"' ~',ns~~ . ~ -'3 ie' _, ~ !lI,IIIl_ t....;. 1lI ...- ftI . c~ ,., , .. . ~ ct ~o ''l"c...; ir.... ::r "... :. 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Pike Sui. 20 Southampton, . ,'., , ,. " lIt I.':' ~ , . l.71 .nl PS Form 3817. Mar, 1985 U,S, POSTAL SERVICE CERTIFICATE 0 MAILING MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL, DOES NOT PROVIDE FOR INSURANCE-POSTMASTER Received From: . .' , , tIt . u: L71 III . " ,;l :1'1.. ill i i J~ c ." ~o( ~ ~ CD~ 1 ,"on g '" ~c .. <II !!. f ia ~ - :-' i ~."cn 3: ci ~ ~o 1\ 11 ~ j!i\!'" - i '"Ill CD ""J ., l:j <II l!. , ) ;c. ~~n '" [ , . ~ ! (01 '_111 " ~ij~ t':.. 1 '" 'fl' ,l ~. ..~ ::I !! <: :; ,;. () !lI ::!! 'J .,~. " ..:.=: ~g ;..~ 3 _. . f;l , () on! (J) .:.~ fA ~o .... :.:a ...{,: ;J 0 ~'Tl 5' ~ .. ~: Fi: 'C :-. ~~ oJ> 0- Ill!: zZ oel .. '.... ./\rfi~:& ~ !: ,/ , ~ ~ a if 1... :I a C - ".~ a;; : io <:~,1('~11; ~.. i \,.... ... ,'.. -g .. . --lit a '<;'-J,y\:/\l~.H ~.._. -'11I- ""'" .1' ,:.-,.- ;".1: ~ a 2.a.i ill J~ c ." 0 '" 0 i . ~-< ~ 3 ,!!, ~ -CD ~ .' 0'"0 . . ~~~ '" n ~ <II . ... 0," ,. - !!. ~ "'0'- :-' 0 Z'" tit ;: a. 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RecellledFrom: " '.., ~.~ ~'~'.i~~;'~'J~(",: . l t\ Ck1O..rlJ.4- M MdV , '1505 ~ LOJ\J1.. C~\\I "A\~OI\ PS Forrn 3S17. Mar. 19S9 U,S, POSTAL SERVICE CERTIFICATE OF MAILING MAY BE USED FOR DOMEsnc AND INTERNATIONAL MAIL DOES NOT PROVIDE FOR INSURANCE-POSTMASTER . Recellled From: .~'..~ L(\\\' Cfficcs of r'_'''t~n''.. . ....vardian . ... ..:[1 l. r ~;~(e Ste. :lUj ._..1... .' . ~.., ". ...,..... l.1Q11 PS Form 3S17, Mar. lSS9 Alllx r.. he" In It.mpl or mlt" ~It.g. Ind POlt~t'. nqul,.~of Piltmllt}r' or curr.nt 'J' ill ~ '" :l> ~ ~ tv~ ~/> I 1.,J , /--: ......... '.i ,i ., ::1 .. :/ " :" " .1, ::! Affix f.. he,. In Itlmp' or JJMl!.'r,po.~.g. .Ind po.t mAfk:J),riqulre' of '-oltml~r fof...current ., ~ ~ ';> :i. ~ tv; ~<> ,.,,1 {'..:.t'.. .,.. \ t~ ~':':'~I::;:?~>:~'" f~, ~'f III !' :', . ,_I t. '::f ,il ~ :' : tH '. I : : .,. .~;' . /i .7;1 :ij lil III l :;1 L',' III . . , : '~ .: " ~ 4 .( fr ,'I ~ ~? ;3:~ -I~ .' UJq -=r U" .- .:..;; ~:-: {j:f.;! 0.. (') :;~ I~ ..-=: .' l-- 0". \.0 ::.'1 i~J 6d: I .' .' ~ ';:ILL ~ ''': :;.~ >- U:. J C;:!!i .t.~: ;1.} 0.. r!: :I.: .-: l.l.. a:: ::J <;1 0' U ~ tf) ~Ii ,,,: -.'N 1- e1 :_1 ~,. tJJr) ~~:~~ ~~t-: I'-~" ~ ,'":~::J 1__.. 0'" ;5' ~o ~::10~ " LLlf.J.: ..J t. ' c;: '~l: :::.: u:::.: \UUJ c.. ~Qu... ,-- ... ..-?: IL co ::> C\ <.n U . OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Prothonotary \i \ 'I DATE OF NOTICE: 2/23/98 "I TO: Charles McCown Patricia A. McCown LASALLE NATIONAL BANK, AS TRUSTEE FOR AFC MORTGAGE LOAN ASSET BACKED CERTIFICATES SERIES 1996-1 UNDER THE POOLING AND SERVICING AGREEMENT DATED 3/1/96 COURT OF COMMON PLEAS CUMBERLAND COUNTY I .~ -j .. (, Plaintiff VS. NO. 98-461-CIVIL CHARLES MCCOWN PATRICIA A. MCCOWN Defendant(S) NOTICE, RULE 237.1 IMPORTANT NOTICE , You are in default because you have failed to take action required by you in this case. Unless you act within ten (10) days from the date of this notice, a judgment may be entered against you without a heari!1g and you may lose your property or other important rights. You should take this notice to a lawyer at once. If you do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help. I , I , I Cumberland Bar Association Lawyer Reference Service 2 Liberty Avenue Carlisle, PA 17013 (717) 249-3166 Usted se encuentra en estado de rebeldia pOI' no haber tornado la accion requiida de su parte en este caso. Al no tomar la accion debida dentro de un tennino de diez (10) dias de esta notificacion, el tribunal podra, sin necesidad de compararecer usted en corte 0 escuchar prueba alguna, dictar sentencia en su contra, usted puede perder bienes y otros derechos importantes. Debe llevar esta notificacion a un abogado immediatemente si usted no tiene abogado, 0 si no tiene dinero suficiente para tal servicio, vaya en persona 0 llame pOI' telpfono a la oficina, cuya direccion se encuentra escrita abajo para averiguar donde se puede conseguir assistencia legal. . IF YOU SHOULD HAVE ANY QUESTIONS CONCERNING THIS NOTICE,' , PLEASE CALL: GREGORY JA V ARDlAN, ESQUIRE, Attorney for Plaintiff, 44 Second Street Pike, Suite 203, Southampton, P A 18966, (215) 942-9690. Nn.tico Ptli'Sl1~!!t To F~ir.!1 ~ht Collectjon Pmctices Act This is en ott:mpt to ce!lect (; dcbt nn:l any information obtaincd will be U5cd fer L'I:!1 pUl'po:e. i l f{ OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS CUMBERLAND COUNTY COURTHOUSE, CARLISLE, PA 17013 Lawrence E. Welker Prothonotary TO: CHARLES MCCOWN PATRICIA A. MCCOWN 3505 Countryside Lane Camp Hill, PA 17011 LaSalle National Bank, As Trustee for AFC Mortgage Loan Asset Backed Certificates Series 1996-1 Under the Pooling and Servicing Agreement Dated 3/1/96 COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. CHARLES MCCOWN AND PATRICIA A. MCCOWN 98-461 CIVIL NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a judgment has been entered against you in the above proceeding as indicated below. I , I f , x Judgment by Default Money Judgment [ ] JUdgment in Replevin Judgment for Possession by Default Judgment on Award of Arbitration Judgment on Verdict Judgment on Court Findings ,~ , I [ IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY: Gregory Javardian, ESQUIRE at this telephone number: (215) 942-9690. ~ , ~ I" ;..-. C, ,.~ :;~ -'l -, .4 I... 8 ;j~~-: UJ9 .. ~. . ~!( , 0,- .. .'.: 1,'.-,' ....4 , ;:1 l... 9<'; . " ; ';';) CJ' , Ull..:... 7';.''-:1 -1, c: L.i.. ~:-; L_ :J... ...:. r.t :_) lL C~ 0 l,n U ~ I ~ ~ \ ~~ '"".:::.. ti ~ ~ ~ ~ ~J 1 -, I" '""" 's: ~ ---.i .....f -lU -.. IN 'llIE axJR1' OF CCJoKJN pl..EJlS OF CltIBERLAND CCllNl'Y , CML DMSION File No. Pa-lNSYLVANll\ IAS1ILLE NATIow.L 1WlK, lIS TRUS'l'EE FOR AFC mRrGAGE LOMl lISSET MCKED CERI'IFICATES SERIES 1996-1 UNDER TIlE POOLING & SERVIC~G AGRJill.IENl' DATED 3/1/96 CHARLES M::<:OON MojO PATRICIA A. M::<:OON 98-461-CIVIL $48,621.60 $ 1,286.39 Alroun t Due Interest litty's Conrn Costs 'fO THE PRCmlONCYl'AR'i OF THE SAID COURT. The undersigned hereby certifies that the below does not arise out of a retail installment sale, contract, or account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as amended: and for real property pursuant to Act 6 of 1974 as amended. PRAOCIPE FOR EXECUTION Issue writ of execution in the above matter to the Sheriff of CUMBERLAND County, for debt, interest and costs upon the following described property of the defendant(s) CIWlLES M::<:OON MID PATRICIA A. M::<:OON PREMISES. 3505 COUNI'RYSIDE v.NE, C>>lP HILL, PA 17011 pRAECIPE FOR ATr1lC:lJ.lENl' EXE01l'ION Issue writ of attachment to the Sheriff of County, for debt, interest and costs, as above, directing attachment against the above-named garnishee(s) for the following property (if real estate, supply six copies of the description; supply four copies of lengthy personalty list) . and all other property of the defendant(s) in the possession, custody or control of the said garnishee(s). (Indicate) Index this writ against the garnishee(s) as a lis pendens against real estate of the defendant(s) described in the attached exhibit. DATE. March 25, 1998 Esquire Suite 203 ~ Signature. Print Name' Address. 44 Southampton, PA 18966 Attorney for: Plaintiff Telephone. 215-942-9690 Supreme Court ID No.: 55669 . \ Mette, Evans & Woodside 3401 N. Front Street P.O. Box 5950 Harrisburg, PA 17110 5. Name and interest Name address of every other person who has any record in or record lien: Address 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Name Address Tax Claim Bureau Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 Camp Hill, PA 17011 1400 Spring Garden Street Philadelphia, PA 19130 Borough Hall Department of Public Welfare 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Name Address Occupant(s) 3505 Countryside Lane Camp Hill, PA 17011 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. ~4904 relating to unsworn falsification to authorities. Date: March 25, 1998 fl . ~ , j:\l , , I , , ! , I ., 'I ., , >- "0 '- er: r-- .f < ,~..: ,- ,5 z l.tJ~: -, 0,:; ::~~;, ;;~ FE:::: ,< ...~ .. -' g'~ (~1 .....'" Co ,_:-::~J _ f!. ...') ,:?~; U.IL,~ Efl:~' r"~ c_ ! ~: fQ roo ~~o... -, o;~.:.: 1.'- .~~ CJ ("0 ::J CJ' U ~ , LaSalle National Bank, As Trustee for AFC Mortgage Loan Asset Backed Certificates Series 1996-1 Under the Pooling and Servicing Agreement Dated 3/1/96 COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. 98-461 CIVIL CHARLES MCCOWN AND PATRICIA A. MCCOWN NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: CHARLES MCCOWN PATRICIA A. MCCOWN 3505 Countryside Lane Camp Hill, PA 17011 Your house (Real Estate) at 3505 Countrvside Lane, Camp Hill. PA 17011, is scheduled to be sold at Sheriff's Sale on WEDNESDAY. SEPTEMBER 2. ~, at 10:00 a.m., in the Commissioners's Hearing Room located on the 2nd Floor of the Cumberland County Courthouse, 1 Courthouse Square, Carlisle, Pennsylvania 17013, to enforce the court judgment of $48.621.60 obtained by LaSalle National Bank. As Trustee for AFC Mortoaoe Loan Asset Backed Certificates Series 1996-1 Under the Pooling and Servicino Aoreement Dated 3/1/96 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale you must take immediate action: 1. The sale will be cancelled if you pay back to Gregory Javardain, Esquire the amount of the Judgment plus costs OR the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (215) 942-9690. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE r , 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling Gregory Javardian, Law Offices at telephone (215) 942-9690. 2. You may be able to petition the court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call Gregory Javardian Law Offices at telephone (215) 942-9690. 4. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff on July 3, 1998. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after July 3, 1998. 7. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. ~O~_SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF H8~ A yAWYER OR CANNOT AFFORD ONE. GO TO OR TELEPHONE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE COURT ADMINISTRATOR 4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE CARLISLE, PENNSYLVANIA 17013 (717) 240-6200 YOU DO NOT THE OFFICE . ~:: : ~'" - ALL THAT CERTAIN tract of land situate in the Township of Hampden, ~ounty of ,Cumberland, and Commonwealth of Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the westerly line of Countryside Lane (50 foot right-of-way) which point, being located a distance of 210.20 feet, measured along both the tangent and curved westerly line of Countryside Lane west of the center line of Briarwood Lane, is at the line dividing Lot 117 from Lot 118 on the hereinafter mentioned Plan of Lots; thence continuing along the westerly right-of-way line of Countryside Lane by a curve to the left having a radius of 100 feet an arc distance of 64.46 feet to a point; thence continuing along the westerly right-of-way line of Countryside Lane South 08 degrees'44 minutes, 00 seconds East a distance of 97.93 feet to a point at the line of Lot 115 on the Plan of Lots of Countryside Section (B); thence along the southern boundary line of Lots 117 and 116 on the hereinafter mentioned Plan of Lots at the line dividing said lots from Lots 103, 104, lOS, and 115 on the Plan of Lots of Countryside Section (B), South 76 degrees 20 minutes 00 seconds West a distance of 366.59 feet to a point at the eastern line of Lot 77 of Countryside Section (B); thence continuing along the line dividing Lot 77 of Countryside Section (B) and Lots 68 and 67 from Lot 117 on the hereinafter mentioned Plan of Lots North 08 degrees 44 minutes 00 seconds West a distance of 360.00 feet to a point at the line dividing Lot 46 from Lot 116 on the hereinafter mentioned Plan of Lots; thence along the line dividing Lot 46 and 45 from Lot 116 on the hereinafter mentioned Plan of Lots North 76 degrees 29 minutes East a distance of 135.16 feet to a point at the western'line of Lot 35 on the hereinafter mentioned Plan of Lots; thence along the line dividing Lot 35 from Lot 116 South 42 degrees 44 minutes 00 seconds East a distance of 79":93 i;et; the~~~'"c~ntinuing along the -line'-dividi'ng'Lot 35 from Lot 116 and along the line dividing Lot 34 from Lot 116 on the hereinafter mentioned Plan of Lots North 76 degrees 29 minutes 00 seconds East a distance of" 155,.00 ,feet to a point at the line dividing Lot 118 from Lot 116 on the hereinafter mentioned Plan of Lots; 'thence along the line dividing Lot 118 from Lot 116 on the hereinafter mentioned Plan of Lots South 08 degrees 44 minutes 00 seconds East a distance of 90.61 feet to a point at the northern boundary line of Lot 117 also being the line dividing Lot 117 from Lot 118 on the hereinafter mentioned Plan of Lots; thence by the line dividing Lot 117 and Lot 118 on the hereinafter mentioned Plan of Lots South 61 degrees 48 minutes 00 seconds East a distance of 64.48 feet to a point and place of BEGINNING. BEING all of Lot 116 and 117 on the Final Subdivision Plan of 'Countryside Section (A) as set forth in Cumberland County Plan Book 25 Page 6. THIS description, being made' in accordance with the map of C. W. Junkins Associates, Inc., dated 8 June 1987. ,." I, I' , ! " I I' t , , I' , , , , ( , , 1 ,\ , , I I J I i i BEING 3505 COUNTRYSIDE LANE; PARCEL# 10-19-1596-002 TITLE TO SAID PREMISES IS VESTED IN Charles McCown and patricia A. C ' h' s wife by Deed from Charles F. Andrews and Thelma g~i~~~, h~s wife' dated 8/9/88 and recorded 8/23/88 in Cumberland County Deed Book N33 page 383. I I ~ ~ - ..... I \ , \ \ 'ft 1\ I; \ t I (~ M, , I , I SHERIFF'S RETURN - REGULAR CASE NO: 1998-00451 r COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND LASALLE NATIONAL BANK ETC VS. MCCOWN CHARLES ET AL j ,'< MICHAEL BARRICK , Sheriff or Deputy Sheriff of being duly sworn according MORT FORE wao the ,1 CUMBERLAND County. Pennsylvania, who to law, says, the within COMPLAINT - upon MCCOWN CHARLES defendant. at 1930:00 HOURS, on the 28th day of January 1998 at 3505 COUNTRYSIDE LANE CAl1P HILL. PA 17011 served ',a by handing to PATRICIA . CUMBERLAND MCCOWN, PERSON IN County. Pennsylvania, CHARGE a true and attested copy of the COMPLAINT - MORT FORE together with NOTICE and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So answers=r-~?~ R. I homas !\l:cne, :.her:c1J: 18.12)0 9.30 ,00 2.00 s2~.J~ GREGORY JAVARDIAN 01/30/1998 .A~ by " - ./ ~. - epu Sworn and .4c:;tIbscribe~ to before me this 3D - day Of~~ 19 '11 II. D. n .........0. 'n",,,,,"_J $Ei' ~ i-'Tothono"t.;;Jry .... SIIEI\ I FF' S fd':TURII - REGULAr, CASE NO: 1998-00461 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND LASALLE NATIONAL BANK ETC VS. MCCOWN CHARLES ET AL MICHAEL BARRICK , Sh~riff or Deputy Sheriff of CUMBERLAND County. Pennsylvania. who being duly sworn according to la.... says. the ...ithin COMPLAINT - MORT FORE upon MCCOWN PATRICIA A defendant, at 1930:00 HOURS. on the 28th day of Januar'l 1998 at 3505 COUNTRYSIDE LANE CAMP HILL. PA 17011 was served . CUMBERLAND County, Pennsylvania. by handing to PATRICIA MCCOWN a true and attested copy of the COMPLAINT - MORT FORE together with NOTICE and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketinq Service - Affidavit Surcharge 6.00 .00 .00 2.00 So answer.f?6:~ ~ ~ R. Thomas hl~ne, :::'hE'r~~ $f.l.00 GREGORY JAVARDIAN _-) 01/30/~:98 .#/ ~ PA(/ ,/ V';v"'l;~~U t },::kg'it' ~ sw~rn and~ubscribe~to before me thJ.s 30 day Oi~,...) 19Jf_ A. D. Cft', c ~p; , ~ I'rot \Jnot;~ry- " , ~, ! the