HomeMy WebLinkAbout98-00706
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA
CIVIL ACTION -- MORTGAGE FORECLOSURE
YORK FEDERAL SAVINGS
AND LOAN ASSOCIATION
Plaintiff
No.: 1998-706
vs.
ROBERT B. SIMMONS
CHERYL A. BENSON
Defendant
PRAECIPE
To the Prothonotary:
Please re-instate the Complaint on the above-captioned matter.
B~jM;;
Attorney I.D. #72030
101 South George Street
P.O. Box 15068
York, PA 17405
Telephone: (717) 846-8777
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY. PENNSYLVANIA
CIVIL ACTION OM MORTGAGE FORECLOSURE
YORK FEDERAL SAVINGS
AND LOAN ASSOCIATION
Plaintiff
vs.
No.
ROBERT B. SIMMONS
CHERYL A. BENSON
Dcfcndants
AVISO
USTED HA SIDO DEMANDADO EN LA CORTE. Si ustcd dcsca dcfcndcrsc dc las
qucjas cxpucstas cn las paginas siguicntcs, dcbc to mar accion dcntro dc vcintc (20) dias a partir
dc la fecha cn quc rccibio la dcmanda y cI aviso. Ustcd dcbc prcscntar comparcccncia cscrita cn
pcrsona 0 por abogado y prcscntar cn la Cortc por cscrilo sus dcfcnsas 0 sus objccioncs alas
dcmandas cn su contra.
Se Ic avisa quc si no sc dcficndc, cl caso pucdc proccdcr sin ustcd y la Corlc pucdc
dccidir cn su contra sin mas aviso 0 notificacion por cualquicr dincro rcclamado cn la dcmanda 0
por cualquicr otra qucja 0 compcnsacion rccIamados por cI Dcmandanlc. USTED PUEDE
PERDER D1NERO, 0 PROPIEDADES U OTROS DERECHOS IMPORTANTES PARA
USTED.
LLEVE ESTA DEMANDA A UN ABOGADO INMEDlATAMENTE.
SI USTED NO TIENE 0 NO CONOCE UN ABOGADO, VA Y A 0 LLAME A LA
OFICINA EN LA DlRECCION ESCRITA ABAJO PARA A VERIGUAR DONDE
PUEDE OBTENER ASISTENCIA LEGAL.
Court Administrator
Fourth Floor
Cumbcrland County Court Housc
Court I-Iousc Squarc
Carli sIc. Pcnnsylvania 17013
(717) 240-6200
..
copy or snid Mortgngc is nttnchcd hcrelll, mnde n pnrl herclll: inellrpllrntcd hcrein hy relcrcnce,
nnd mnrked "EXHIBIT A". ..
AssiLlnmcnts
5. Thcre hnve bcen nllnssignmcnts or snid Mllrtgnge.
Delimit
6. Snid Mortgage is in dclilUlt because Dcfendants have lailcd to mnke the monthly
paymcnts of principnl and intcrcst due and owing on their loan Irom August I, 1994 through thc
datc of filing this Complaint as rcquircd by the tcrms or thc Mortgagc. Any payments that may
have bcen madc during this period werc applicd to thc dclinqucncy balancc duc and owing prior
to August I, 1994.
7. Plaintiff hcrcby exerciscs its option to dcclarc thc entirc amount owing upon said
Mortgage immediatcly duc and payablc in accordancc with its terms and provisions.
8. By reason of the dcfault, thc following amounts arc due in accordancc with thc
terms of said Mortgage:
Unpaid Principal Balance. . . . . . . . . . . . . . . . . . . . . . . .. $ 97,258.33
Intercst from 7/1/94 to 1/23/98 (inclusivc). .. .. .. . . . . . 30,139.97
Late Charges ................................... 3,188.47
Escrow Deficit. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5,076.00
Attorney's Commission 5% ........................ 4.862.92
TOTAL AMOUNT DUE $140.525.69
Compliancc With Homcowncrs' Emerl:cncy Assistance Act
9. Noticc or Dcfcndants right under Pennsylvania's Homcowncr's Emergency
Assistancc Act, Act of Deccmber 23, 1983, P.L. 385, No. 91 (35 P.S. ~ 1680.401c ~ Sl:Q.), as
amcndcd, wcre sent in accordancc with said Act to Dcfendant Robcrt B. Simmons on Dccember
II, 1997, and said Dcfcndant failed to excrcisc his rights undcr said Act. A truc and correct
copy of said Noticc is attachcd hcreto, madc a part hcreof, incorporated hcrcin by refercnce, and
marked "EXHIBIT B".
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Ihi,Srcllrit)' hll,lfllllll'lll.
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ill lIurtt,"rr'.. t1plinll. rillll'r IHlIlIIpll)' ICllllhl III IInrrnwcr III crcdilcllllI IImllmer 1111 Illlllllhly rll)'mCIII' uf Funll\, If Ihe
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t1"llIlllaYIIlI'III ill full "filII \lilli' "cclul'd h)' Ihi, Sl'curily Imllllllll.'lIl.l.l'luler I,llltlll'llllllfllly rt'fllllllIn IInllcl\\Cf
1111)' FIIIIII.. held h)' I.ender, If under rarllltrllph JlI Ihe I'wperl)' i.. !'Inld tlr nl'll"lred hy I.l'm.ll'r. I.clIl'r:r !'I11lI1I1I11111)'. lIulnll.'r
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applic:lliull n\ II crcdil np:nlmllhe"IlII1' ..rcurcd hy Ihi.. Sl'l'lIrily Imlflllllenl.
J, Appllt'Dlllln or I'.)'ml!nl', Unle" llpl,llcnble Ill\\' rnwitle!'llllherwl\c, ulll'lIYIllI'Il'" rCl"eh"cd hy J.cudl'r Illldl'r
p"rllllraf1h\ laud 2 !>hnll hr IIprlirtl: Or!'ll, 11l1"le charge!'l tlue uuder Ihe Nule; !'IccUlILl,tu plepa)'lIll'nl chnr{te\ llue under Ihe
Nnle: Ihlrd,ln "mlllllll.. ra)'i1hle umler rarnf!rallh 2: fnllrlh, In inlerest L1ue: alld la\l, In 11Iindl'nl dlle,
4. <."hnrRc!'Il J.Icn'l, IInrrll\\ler ...hllll 1'01)' 1Il1llue!'l. n..\e"'lIenl!'l. chllrltcs, 0111'\ nlld hllf1tI\lllnn, allrihulahlr Inlhl.'
Ilmpl'rl)' whil'h 11111)' allnin rrioril)' m'er Ihi!'l Srcurily Imlrumeul, uud lell..choltl rn)'II\CIII\ lIr gwulld relll", if any,
Jlurru\\'rr ..Imll rll)'lhe..e nhligllliulI' illlhe Illnlllll'r prU\'lded III rarngrnllh 2,nr if 11111 raitlllllhnllllnlllll'r.lll1rruwrr !'Ihall
pa)' Ihclll1111 lilllc dlreC11)' llllhe I'er!'lun owed l1a)'II1I'III, lIorrower !'Ihall rrumrlly fllrnl..h 10 LClldrr nil 11111 ice, uf allHlIIlll!'l
In he raid Illllll'r Ihl, ramp:rnrh, If Unrrnwrr mnkC\ Ihr!'le raytllenl~ dircl'll)'. lIurrower ,hnll rmmrl1y fllrni,h In I.emll'r
receirl\ evidl'lll'iug Ihl' pn)'II1CllIS,
normwer I,lmll rrnmplly Ili'L'lmr~e all)'licn whieh lIa, priorily twer Ihi!'l Securily ImlrtlmenllllllClilll IJurru\\'er: (n)
IIllrceli ill wriling 11IIhe 1'1I)'lI1elll oflhc uhllgnlinn \el'lIred hy Ihe lien in n manlier accrrlahlc: In I.el\ller; (h) ellllle\I!'I III good
failh Ihc lil'lI h)', nr defendll ugalll!il rllforl'emenl uf Ihe lien In. legal rmcl'edill~\ whieh Inlhl' l,ender'!'I npillillll Opl'rale In
rrevl'l1t lhe enforeemenl nf Ihe lien nr fnrfcilllre of an)' pari nf Ihe I'mrerl)'; ur (c) secllr~ fromlhe lulldcr of Ihe lien nil
lI~recl1lelll \uli\fllclnry In lender !'Iuhnrdirmlin~ Ihe Iicllln Ihill Securily Inslrumenl, If tClldcr dclennille~ Ihal nil)' rart uf
Ihl' Ilwrert), I, "lIhjl'CI III :I lien whidl Illay nllllin prinrily nvcr thill Sl'I.'mily hl\lrlllllenl. Ll'ndcr mn)' [li\'e lInrmwer n
1Il'lke 11I1'1llifying Ihe liell, IInrruwer !'lImit !'Inli~fy Ihc liell nr laf..e 11111.' ur IIlllrl' ufthe IIclluUll \el fllrlh nhu\'!: witllin In dil)'''
uflhl' gl\'lni: "fl1ulice,
5, IIa1,nrd Insurance, (Jorrnwer \hull keer Ihe lmrrovelllenl!i un\\' e"I~ling IIr hereafter erccled nlllhc Ilmperl)'
IUl,uretl np:lIill\llu\1l h)' 011.', Im/nrt!\ inchuled withinlhe lerll1"c"lended cm'rrnge" ami nllY olher h:mml~ fur which l.clllll'r
rctlulre\ In\llmnce, Thl\ ilmlrnnl'e ~Imll he mainlained 111 Ihe nmnulIl!'I IIlld fur Ihe rl'rlnt!!'I Ilml l.erulcr reqllirc\, lhe
in,urance carrier prm'ldiug the ln~urllnce ~hnll be: chosclI b)' lJormwer subjecl Itl lelllJer'!'I nppfll\'nl which \h:lllllol he
unrea\tlllabl)' wilhheld,
All in'urauce rnlicir, nnd rellewal!'l ~hnll he accl'rlllhle 10 I.cndrr ami ~halllndude a !'Il:IIulard mnrlgllge dall\e,
tender !'Ihall ha\'e Ihe righl In huld Ihe roliciell nntl rellewlllll, If Lender rcqulre!'l. IInrruwer !'Ihall rrmnrll)' gh'c to I.emler
nil receipl\ of pnid premlunl\ and renewal nUllce\, In the event ofln!'l!'l, Dorrower 5hllll Blve prmnrlllulice 10 Ihe insurnlll'e
cnrril'r and l.ender, I.cnder ma)'make rrnnfnflo\\ ifnolmade prulllplly hy narrnwer.
Unle\lll.endrr and :lurrnwer olherwi..e agrl'e in writillg.lnllllrnnce proceed\ !'Ihall he aprlled III rC'olurnllollllr rcpair
nf Ihc I'rnpl'rl)' dllmaged. if Ihe rC"ilurnliull or rernir i, ecunomicnlly feasihle nud I.ender'!! !\ec\lril)' III nol le\lll'lIcd, If Ihe
reo;lnra!iun or rl'p"lr i\ nul l'CUllUmlcally fea\ihle ur lender'!'I ~ccurlty wuuld be: les!'Iened. Ihe insurance prnceed~ \hllll he
applil'd 10 Ihe IlUlII" !'Ircured h)' this Security III\lrumenl. whether ur nollhell due. wilh any c:xccs~ pnld In lIurrower, If
Hurrowl'r lIb,mdnn'i Ihe Ilrorerl)', or dftCllllol allllwer within 30 day!'l II nulice frum Lellder Ihallhe illllurnnee carrier hD"-
IIfT~retllU \ellle a clnill1, Ihen Lender limy enlleellhe irllillrallce proceeds, I.ender may use Ihe rrocectls 10 reflalr ur relllurl'
lhc I'mperlY or 10 ra)' \UlII'i 'c.'Cured h)' Ihio; Sccllrit)' III\lrumelll, whclher or nollhen due, The 30.da)'11eriud will begin
.....henlhe nnlice i!i (!i\en,
Unle" I.emler IUld Hurruwer ulherwi'e ngrl.'e in wrilillg, nn)' nprlicaliun ofpmeeedlllll princlral shallnnl c\lenLl nr
f1tl\lflUne Ihe due dllle "flhe IIInlllhl)' ril)'menl' referrcd In III p"rngrnphlll and 2 ur clmnge Ihe 1I1110UIII uflhe ra)'llll'nl!li, If
umll'r rarattrnf1h II} Ihe Ilmlll'rl)'I.. nC(luircll h)' I.cnLler. IInrrnwer's righlln nny in'imnucc ruliclell and prucl'clls re\ullinlt
fmm damage In Ihe I'rupl.'rl)' rrinr IlIlhe ncclulsiliunlllmlll1ali' lul.ender to lhe exlenl oflhe SUI11.. sl'cured b)' Ihill Security
hl\lrullll'nl illlllletllalcl)' r1iur In the Ilcljulsitiun,
6, I'rrsenntlon and Malnlenance or Prllperl)'; l.t'lJsehlllds. J)nrrtlwer ~hlll1nuI delllrllY. damage ur Mlhl,tallllally
chaugc Ihe Ilmpcrl~', 1I11tlw Ihe Ilmperly tn dl'lerinrille or com mil wa'ile, If Ihis SeCmil) In'lr\ll1lenllll una Il'a\ehllhl,
I1nrrnwrr \hall clllllpl)' wilh Ihe I'ru\'i'iillll!i nflhe lell\l.'. Ulld if JJnrmwer ncquirell fee lilll' In Ihe I'wperl)', Ihe lea~ehultJ nntl
fl'e lillc \hlllluUlllll'rge IIl1le..'i tl'nder agrCI'!li lulhe melgl'r III wriling,
7. I'rnll!elllln or I.l!nder', RIKht, In Ihl! I'rnpl!rl)'; l\InrlRnJU! Insurance. If IInrwwe.:r falls In rl'rfnrm the
t;l1\'ClliUl!\ pml ,,!!rl'l'flIl'lIls cIIIIlnllll'll inlhl\ Securit)' In'ilrtUIlI'U1, or therl' III n legal prnccl'dlng IhallllllY "i(!niOClllUI)' IIfTecl
I.clllll'r'\ rlJ:hls Inlhc l'mllCrl)' (o;lIch itS a prtll'l'edillll in h;lIlf..ruflll')', prnhale, fllr I'UllIll'lI1naliun IIr h' eufll,,'r 11Iw," lIr
rl'gululinlllll, Ihl'f1l.l'lldl'r IlI:1Y t1nlllld I'n)' fur wllllle\'l'r I.. nccco,ll11r)' In pWICl'1 the \'lllue uflhe .'wrerl)' allt! telldl'r', rlghls
in thc I'Wpl'rl)', tl'nder'!> ul'limtllltw)' Includc ra)'illl:! 1111)' !iUIII\ \ccurrt! hy n lien which hall rrinrlt)' 1I\'l'r Ihi!'l Sl'curllY
Imlrtll1lenl. IlprC;ulll~ ill cuurl, r;l)'ill(! ren\llllllhlr IIlhHllC)'" fce\ nlld enlrrillg nlllhe.: Ilwren)' 10 lI1al.:e rl'pnir\, Although
I,l'mll'r IlIny tal.:l.'''~'lilllllllltll'r Ihi, p;ullJ:raph 7, 1.,'mll'l tlUI'S 1I1l1 have In tin 1111,
AII)'l\Il11IlIlII' ,li\hllrl,cll h)' 1,I.'lHIl'r IImll'r Illi, ,mrlll:!rlll'h 7 ..IIllIIIII.'Cllllll' 1lI1dilitlnal tll'hl nfnllrrtlwl'r "l'cllrl.'d hy Ihl-.
SeCllril)' Imlllll1ll'lll, Unll'l,\ 1I11rwwl'r ulUll.cmll'r agrcl' III ulhl'r Il'rm' Ufr"Yllll'lIl.lhl'sc UfIltllllllll..lllIll ht.'ar inll'n,'\l ffllm
Ihe dalc nf dil,hurl,clllelll 111 Ihl.' NIIII.' rIlll.' ;lIld \h:lll hI' I'ayahll.'. wilh iUII'H"I, IIrUlI Ilnliee frmll lrnder In nnrfllwl'r
retjllc\lillf:pa)'fllCnl,
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11'1111'\\1" \1t.11l1',1~ 1111'1"1'11111111I\ 11'1111111'11 IlIllIaillMl1I lht' lmllflllll:l.' illl'lh'I'llIIllll 'ourh lilliI.' 11\ lht' II'cllli":llIrllllur Ill('
I/IWllIlII" h'IIIIIIIIIII'\ 1lI11fl'1I1111111U' "uh 1I11l111Ill"'\1l1ll11.I'llIlcr', \\rilll'lIllttll'CIIICllI III 1I1'I,hrnhle 111\\.
H, 11I\l1rrllulI, It'IlIIt., llf 11\ Utlrllllllll)' 1I1l1l.... ll.'n\ulInhlc clllrh~\ 111'4111111111 hl\I~litlll\ uf lhe IIWl'crl)'. I.rllll...,
11I.11I1l"" 1101111\\1" Illllll't' llllhl' lilllrnrm "11m 1111111 jll\l'l'\'llllll lJ1rdr)'iuJ.: rClI\ClIlUhlcrnu\c flit Ihcitl\Ilt'L'liulI.
fl. ('lllllh'lIIIUlllulI. I ht'lllIk'I'\',h ululI)' 11\\ 1111111I d,,11II fIll dUlIl,llll't, clll('\'1 m CIIII\I'llllclIlial. illl'lIllllrdillll "ilh
illl~ \'nllll\'lIIlllllhllllll 11111\', ll."illll"f 1111) pMI IIf Ille IllIIpcll)', Ilr filr l'Ull\C)nllCC ill IiclIllf CI1llllcllIIIIIIIIIll, lIrt! 1It'lch)'
;I"i~llC'lllllltl ~11l11I hC'll,lIllllllc'llllcr,
III 111\' cH'ul fir It 1111111111"1111{ HI 111\' I'WllCII)', Ih"'IIIll\.'C'c'll~ ~11lI1l he nl111liedln the ~1II11~ ~rctllt't1 h)' Ihl.. Srctlfil)'
1l1\ltllllll'lll, \\hl'lllc'IIl' lIul Ihl'lI tltlr, willi 1111)' l"n'" pllllllullllrrnwcr, IlIlhe cuml flf II llilllilllInUlI1! III Ihe Ilw!,e'I)',
11I111'" IttlllllWrf Itlull,l'lulcr nlhrlwbt' IIJtlre ill wfUllIll,lhe ~UIII~ M!CIUCII h)'lhi, SeclIIil)' hl~lrtllllt'1l1 ~hnll he ,rdllct'11 h)'
Ihe 1II1lnlllll uf Iltl' 11I1It'l't'll, IIlllhlf1Uell II)' IlIe fnlluwilll{ frnclIIIII: (a) Iht' lulal nlllflUlllllf Ihe '11I11\ ~eclIfrllllllll1etllnlr.l)'
hdtll\' Ihl' 111"11111, Ih\'hled h)' (h) Ihe fni, lIullkrl \'lIlue nf Iht' l'flIllerly 11II1IIt'I'inlcly hefnre lhe' lllklll(t, Any halallcc ,hnUIll'
Il,lillIII llllllll\\cr,
Iflht' Ilwpell)' 1\ nlllllltltlncd 11)' IIl1rru"er, IIr if,lIflcr nul Ice hy I.elltlcr Inllnrwwcr Ihnllhe CIIllI'cIIIIlnr ullel\ III
llIi1kl'llIlllwnrd (lr \clllc It dllirll IlIr dllll1ngc', IInrrtlwt'r fnll\ 10 rc'rnlltllo I.t'udcr wilhin JO I'n)'\ nrlt" Ihe dnlc Ihc IIll1icc i\
J{IICII, 1,I'lIc1er 1\ nUlhtlti/\'c1ln cllllcclnllll n111'1)' Ihe 'l"It.'rCII\, nl ih nrli,,", cllhtr In rc\lnrnllnll ur relllll, uflhc I'WPCII)'llf
Itllh!! \11111\ \1'1.'1111'11 hy Ihi\ SCClI,il)' '11\IJIIIIII'III, ",hl'llltr." 11I11 I hell dllC,
Unle\\ I.emh:r nlltl lIurru",cr nlherwl\e ng,ec III w,lllng, nllY lIprlicnllnll ulf1rucctth In p,lncipal \11lI1I11t1l e\lclllJ ur
""\ll'olle Ihe Iluc dale oflhe munlhl)' pa)'lIIcnl'i rererredln In parngrnf1h'i Inlld 2 or change the nlllllulllllr~uch rnYllIclII\,
10. lIurrllMer Nol Relcand: l~orbClranee Ily 1.cndcr Nol . Wah"rr, 1!~lcll'iiun nl Ihc time rur ril)'menl ur
1II1ltlitknlllln ul nlllurli/nlion ul the 5UIII.. \ccurcd hy Ihl\ Sccurlt)' ImlrUl11Cnl (trallled hy tcndcr In auy \uc(c\\ur III
l"le'l'''lur IInrruwer \halll101 Urefllle In rclen\c Ihc lIabilily (lr Ihc origllll'llllorrnll'cr or lIorru",c"5 \UCCe\\Clf.. ill inle,c\l,
I.clId!!r \hall 1\111 hc 'el(ulrt'd In CUlIlIlICllce f1ICK'<<dillg\ agnill'il nil)' \ucceuur 111 iIlIC,c\1 or ,cru\e In c~lelld lime fur
pa)'IlI!!UI Ilr nlhelwi10c IIUltllr)' nlllu,lbnlitlll orlhe \11111\ 'Icctlred by Ihl'i Sccuril)' ImlnllTlenl by ren\unufnn)' demnlld mnde
b)' Ihe II,iginnllJurruwcr IIr Jlu,ruwer's ~U\'Ce~Mln illllllerc\l. Any fnrhenrnllcc by Lcmler III c.\crd\llIg allY rlghl ur relUtdy
\11111111111 he n wah'er ulur flrcclmlc Ihe e.\c,d..curnny ,ighl or rel1ltdy,
II, Suerenllr!l and ^"'Rns IInund: Juln. and Scnrall.labllll)'; Co..IRncrs, Thc cU\'enalll'i alUlngreelllenl" .If
Ihi\ Sccuril)' hl1Olrlll1lenl \1,"11 hind and bellcfillhe 5UCtC'i\nn nnd n\\igll'i of I.cnder nlld lIurrnwcr, !iubjcclllllhe prm'i'liulI\
IIf(1:1ntltfllph 17. IInrrnwc,'5 cUI't'unlll~ I1l1d ag'('elllclll\ ~hnll bejuillll1l1d ~evcrnl. An)' lIurrnwcr who cu...igu\ Ihi'i Securil)'
In\lrUIUCnl hUII1Cle~ lIul c.\eeult' Ihc Nole: (n) i\ CO,\igllillg Ihl~ Sccurily (mlrUnltlll UIII)' 10 mnrlgagc, g,anl nlld COIII'C)'
Ihal nurruwe"~ illle'~1 illlhc: I'rnpc't)' uuder Ihc Icrnl~ nlthi.. Sccurity IU\lrtllllelll: (h) i~ nol renonnll)' nbliltnlcd 10 ra)'
Ihe MUIl\ 'tt:urt'11 11)' Ihi~ Sccurily 11I\lnullclIl; nlld (c) n~rcC'i Ihal I.ender and all)' olher lIu,ruwer 11I11)' ni:,ee 10 e.\leud,
1II1111if)', lurbcar ur mnke ony actumnludllliuu~ with ,cg:lfd lu Ihe lerms urllli!i Secu,il)' Imlrumenlllr Ihe Nolc wilhulIl
Ihal Unrruwer'~ cun..elll.
12, 1.lInn CharMr~, If Ihe 101111 ..ec:llrcd hy Ihi\ Securil)' (mlrulIIclIl i\ \ubjccl In n Inw which !iel~ lIIallilllllll1lniln
dlarf:\.'\, 1I1lllllml IllW i\ fillall)' illle'l'rclell !in Ihal Ihe hlle,t..1 nr olher luan cha'ltc\ t'ullccled nr In he cullcclcd iu
Cllllllt'clilln wilh Ihc Imlll C,'iiccL't.Ilhe IlCrmilled limit1O, Ihell: (n) all)' ~lIch Inall charge \hall he ,cdutcd h)' IlIe nllluulll
1It't.'e\\ar)' In redutc Ihc dunge In Ihe rerl11ll1cd li1l1l1; and (b) an)' ~uIl1511Irt'ady colleclcd frollll1orruwcr whith c.\\'ceded
l,ermillcd limit.. will he rtrlluded 10 IInrruwcr, tcnder IIIn)' chuu\e 10 make Ihl'i ,cfund h)' 'edlldll~ Ihe flrinciflal llwl'd
IIl1th'r Ihl' NIIII' lit h)' lIlakilli: n tliU'I'llta)'IIIClIllllllurrllwer, Ifn rerllud redlll'c..'!i (lrillcil1al, Ihc reductinn willlte Irrlllcd n\ 11
fliulinl r'C(111)'III(,UI wilhulll BII)' f1lefl:I)'I11CIlI cha'ge tinder the Nolc,
13, l.cM''iilalllln AlTeellnR l.ender's RfRht5, If cnaclmcnl or cllflirnliull of lIflfllit:ahle laws ha\ Ihe clfeCI Hf
relllll',illlt 111I)' (lrtl\'i..lul1 tlflhc Null' nr Ihi\ Securll)' 11I\Irlll1lelll uncnrorceable ncclI,dill(tlu il\ ICflll", I.elltlt'r, nl il\ ul'lllIn,
11I11)' rctJuite illllllcdi:lle (1l1)'lIlelll III rull uf 1111 MIIII'ii "etured by Ihl.. Security IlI'iiltUllIenl lllld IlIn)' IlI\'IIke nil)' Itllll'dic\
perrnlllcd by rllrag,aflh 19, If lcndcr c.\e,cjllt'\ Ihis uf1lioll, lcnder shalllakc: Ihe Slep'i 'recifictllnlhe lleCllIId flarngraph Ilf
pltmg,nrh 17,
14. Nullec!l. ^ny Utllice In lIuffuwer flfU\'ided rur inllli.. Sccu,il)' hl\lrUlllelll ~hall he i:hcolI h)' Ilcli\'e,inll il elr h)'
lIl:tilillit it b)' finl c1a'ii" IImil unlc\.. npfllitnble la\\' rctJui,e\ fI\C or nnlllher melhnd, The Iltllice 10hall hc direeled In Ihl'
11rnfle,ly Atltl,C'o'i nr nn)' nlher add,e'i" no,mwer de\ignalc..'S by nOlice 10 tender, AllY nOllct' In I.ender !lhllll he ghcn h)'
lir\1 c1;I\lll11nillul.cllder's uddrc\\ \llIled he,ein nr :1I1Y ulhcor nddre5\ Lendcr dC'ii~lIall'\ b)' nlllice In Burruwe" ^ny nolice
puwldcd fllr IlIlhi\ St'euril)' Iml'lImelll 5hall be decmcd 10 hne been given 10 IJnrrowcr nr I.ender whtn gh'en n.. providcII
illlhi\l1nmgraph,
IS, CioyernlnR taw; Scyer.blllt)'. Till.. StClI,it)' 1II\IrllmcllI \hull be gmcroed h)' fc..'tlerallaw nmllhc hi\\' uflhe
jll,l\diclinll in which Ihe l'mrc,ly i\ lut'nltd, Inlhe evcnllhal all)' pro\'i~luII or c1au\e nf Ihi\ Sccuril)' IlI\lrtlllleul (1r Iltl'
NUlc clIlIniels wilh arplicllhle law, \lIch cunniI.'I \hallnol nfTccl olhcr rfU\'i!liulI'ii III Ihi\ Securil)' Ill\!fUlIICOIlI Ilr Ihe Null'
whidl Cl1l1 hc gh'en c1rc..'C1 wilhnullhe cOllnicling fl,t)\'i\lon, Tn Ihi\ clld Ihe prO\'i..illll~ uflhb Sccurily 1l"lru1l1clll alltllhc
Nule ;tre tlccln,ellltl hc !lc\'emhle,
16, Jlurrll\t'cr's CIIPY, Unrrllwcr \lIall he i:h'CII nile cUlllorrued cll(1)' (lflhe Nolc alld Ilflhi\ Sl'euril)'llI\lr1lI11clll.
17, Trandcr II( the Prllpert)' IIr n IIrncllclallnlrrcst In IIfllfCl\t'cr, If 1111 ur !IllY parlnf Ihe l'rupe'I)' nr 111I)'
illlcre,1 ill il i~ ~lIhlllr lr:lII\rcrrell (ur if:1 hencficial inle,c..1 in Jlllrruwer i'i suMur Itnn,fcff\'d IlIltlllllHt,"cr i..lltllllllilllllal
I1cr\llll) wilhnul Lcmler'1O p,illr wrillCII ClllI!ielll, Lcnder 1Il(1)"lIl il\ lIflllull, rctJulrc illllltctliall' pa)'lIIelll ill full urull \tllll"
\ccUlell b)' Ihi" ScclIril)' 1l1\lfl1lI1CIlI, lIuwe\cr. Ihi.. 1If1llulI !ihalllllll he e.\crtl\cd h)' Lcmler if cllcrci\c i'ii pwhihilcll h)'
fcde",) IIIw:I\ Ilflhcdnlc Ilrlhi\ SI'cllril)' IlI\lflllIlClll,
Ir J.clldcr c,'iicrcl\c\ Ihi.. UI'III1I1, Lcndcr ~11ll1l gi\'c IInrruwcr lIulice IIluI'ccI\'rnlioll, Thc lIulicc 10hall pun'ide n rcrilltl
Ufllllllc\..lhall JII tlll)'\ f'tllllllle llillc Ihl' lllllicc i\ dc!il'e,ed ur IlUliled wilhin which lIuffll\\er IIlUlll fla)' all"ul1J\ \cturcd by
Ihi\ SI'cmil)' hl\lrUlIlCnl, II III1'ftlwl'r Iilil.. III P;IY Ihc\!! 1OUIlt\ prillr In Ihe clll1iralloll urlhi\ l,eriUlI, I.cllllcor mal' ill\'llke :Ill)'
ll'tll~'IIiI'" pcrlllillcll It)' Ihi\ Sec'uril)' ht\lrtllIIl'nl wil!llllll fUrl her Ilnlice nr IIClIlllml tlllllllflm\l'r,
IH, 1I11'ftl\\cr's IURht III Itelnslule, If 1I0rrnw!.'r mccl\ ccrluin ctllldilillll\, lI11rrn\\Cr 10hall h;l\e Ihc rii:hlltllmn'
cnfmcclIlcnl tlrlhi.. Sl'\'tlril)' hl\lnllllCnl di\cIIlllillllcoll;l1 any lime p,im In Ihe c11flil'r Ilf: (u) ~ dOl)" (nr \Ill'h tllhcr flcritltlll10
:tpplicahlc law ma)' \I'ecir)' fur reill\lalclllclll) hl'lmc "alc IIf Ihe I'ruJle'I)' rll,,,,mnl 1111111)' r"wer uf \nle t'ulllainelllnlhi\
SI'I'lllil~' '"'Utlllll'lll; IIr Ihl \'lIIr)' uf II jIllJ~llIl'lIll'lIflUcilli: Ihi.. Sccllril)' hl,lrulIIenl, Thu\c 1'llIlllilillll\ :tiC Ihal IItIHll\\W:
lall'a)\ !.I'mlcr 1111 "'1111\ which Ihl'II wlluld he tllIC IIl1dcr Ihi\ SI'curil)' 11I\1'lIlt1clll iUllllhc Null' Il:Id 1111 u~'ccI("nlilln
Iln:urretl; th) curc\ IlII)' default ur 1111)' Illllcr cmcmUII~ nr agrcelJ1cllh; (c) Pll)'\ ull t.\f1ell\c" illcllrrell in elllu,ring Ihi..
S\'cllIily Ill\lnllllclll, illdlltlin~. hullllll hmilctlln, rCll\tllIllhll' Illlllrllc)'~' fl'c\; nllll hI) IlIke\ \ud. IIClillllll\ I.clltler ilia)'
1I';t'"l1ahl)' 'l'II"ill' In ll\\IHI' Ihnl Ihl' licllllf Ihi\ Sl'curil)' 1l1\lrtllllclll, I.cmlcr'\ rii:hl" ill Ihl' Ilf11(lC'I)' nluJ 1I11rrnwc,'\
IlhliJ:alillll III (1")' Ihc 'UlU" "'CtIIl'tI h)' Ihi.. SCCIl,il)' 11l\I'UIIICIII "hall 1'lI111illllC t1l1Ch;tllllt'd, Ulltlll JciU\lalclllt'1I1 h,
IIm'llI\c" Ihi, Sl'I'mil)' 111\1'111111'111 :lIlIllhc 11hlif:aliulI\ "cCllrcd hc,ch)' ~hall rClllai" full)' clfl'Cllve lI\ ifun lICCelernliul1 hlld
1li.'L'mfcd Ilm~I'H", Ihi\ lij:h'ltI,cill'lale \11..1111I11 ill1(1I)' illlhc t.'ll'e nrlll'ccler:tlillll ulltI\'r 'l;trngr:tflh\ 13 Ilr 17,
biiij~ U5rj 1.1[.[ lU4 l
~
~
('..
o
0.
NIl'" (INIIII"" OWl NJ\N I' Ilnrrll"rr 11lltll,rlulCf rUllhl'r t'lI\tlllllll nlllll11t1l't' 11\ rllllt'''''~
19. MrrlrrllllulIl IItllltdlr.. I,tlllll'r .tlnll "hI' "ullft' III IIl1rfuMt'f prlllr In .ac'C'tlr,nlllln 11I1I",.-lnA !llIulU,rr',
lurnrll III ,m)' ftnrllnnt lit "MIt'rmrnlllllhl. Srrllrll)' rr"trllltlC'nllhul ""l print In nrrrlrrAlIulIllndrr "nmAtnl'll. IJ 11111117
unit''' ""pUraMr 1"It' p,mldl" III"tn.-lul. hlldrr ,IInll nullt), IImfmtrr ul, "hlUII" ..thrt IhlnA'llllllhr drrnllllllllllht,
Irlllln rrqlllrrrlln rllrt' Iht' drrllullllrl Mht" lilt' ddllull 1111..1 hI.' fUfl'l!; 1IIc1 hUlIlII' ,.UUtl' III fllft lht II('Inult n. ."trlll,',1
mil)' u'''lllln .C'('rll'fnllll" lit till' ,"m. 'C'Cllfrd b)' Ihl. Srt'lIrll)' In,lrumrnl, rurrrlcmlrr It)' Judlrlnl prurrrtllllll ud ,nil' ul
tht Itruprrl)',I.rndrr ,h.1I 'uuhl'r I"tmlll III1Uln..rr fir Ihl' rlMhltn rrln"l..te nflff nrrrlruUlIn nncltht' r1ahlIlIlnu'rlIn lIu,'
(nrttln'llu' pwC'ttdlnM lilt nltn.ul"ltnC't fir I dtflUlt fir nn)' uthrr dtfC'nu 1I( 1I11rr1lMC't hi nC'C't1ruUltl1llnll (nrrC'hmlrt. Ir
Iht dtf'"I1I, nul C'urtd.." .pC'C'lntd.l.tndrr 111l'lllplllln m.)' rrqulrr Immtdl.lt p.)n1tnl In (ullu( .1I11llm" ,,('('ured II)' Ihl,
Sttllrll)' In"runltnl Mllhulll (urlhtr clC'manll Inll mil)' (nrtdll'lf Ihl, SrC'nrll)' In"lrllmtnl h)' Judldlll prllcttdlnR. I.rnllt'r
.hnll hI' tntlllC'd lu culltct III npC'n't',lncurrtd In pllt!lulnR tlu' rtmtdltt prm'ldt'd In Ihl, p..nlltAph 19, Includlnll. hut l1ul
lImlltd Ill, .ltmnt)ll' (trlllld tll"l, u(tllIl' r.ldtntf 11IIhr ulrnl prrmlllrd h)' Ippllcahlt' Ilw.
211. .,endn In l'unt",lon. lIrclll nCt't!t'rnIlClII IIndtr Ili1rn~rnflh J1) or nhlllulCllllllt'lIl or Iht' l'rnl~r1)'. I.ellder (ill
rer'IoHII, h)' n~enl nr h)' jlldlcli1I1)' npJltlhlletl rtceherl ~hnll he elllilleclln tlllcr 1I1~III, Inkt Jlt'''t'"llllI uf nmlllllulOJtt Ihe
I'WI'erl)' nlllllt, Cllllrcl Ihe relll' tlf Ihe l'fIlperl)' IlIchlllluft IlIme 1'"\1 ellie, ^u)' relll' l'llllrdrd I))' trllller or Ihe rcceher
!Iohnll he nrl1lied finl If) 11i1)'lIItlll uf Ihe emit ur IIlnlluJ{elllrnl IIr Ihe l'wI't'rt)' nlld l'l1l1rcllllll ur rCIII\. Il1chulillJ{, hili 11111
Iilllilt'IIIU, rt't'rh,t'r'.\ frr\, Inernhlll1t UI1 rccrilrr''l hUI1II\ nllll ren'lllluhle nllnrut')'\' fee" nlld Ihelllu Ihe: ,1111I' 'rcurcll h)'
Ihi,Srcllril)' 11I.lrUl1u:1I1.
21, Ih:lt'a,t'. Uplllll'n)'IIIt'1l1 urnU '11111' '<<lIn'll h)' Ihl\ St'Curil)' 11I'lnlll\rlll, I,cmlrr ,hllll dl,duultc Ihl, SecurilY
'1I\lrUIllCIII wilhllul charlte '" lIorrllwcr, IInrrnwer ~hnlll'n)' nil)' recurdulhlll CII\I~.
22. ReJnllllcmtnll'erlod. JJtlrruwer'!f lime 10 rclll.lnle: I'tnvlded III pllrn~rnph 1ft ~hull cl!.tellll lu nile hour prlur III
IhecOl1llllCnCrll1ClI1 ofhitldillRnl It ~herlrr~ ",Ie tlr nlhrr ~ltlc rllr~llllllt In Ihl~ Secnrll)' 11I'lrlllllt'III,
2J.I'urchlu Mont)' Morla.Rt'. Ifnu)' nflht' drhl 'ectlred h)' Ihl~ Sccurlly 11I~lrmllt'lIll, It'lll hlllnrruwcr In ncquire::
tille IlIlhc I'rnflt'rl)'. Ihl~St'curll)' II1"rumclII !\hall he II I'UrChollc mOllc)' nmrlgd8e:,
24.lolerrl( nile After JudJlmrnt.l1urrnwer nltrrc1f thnllht IlIltresl rnle 1'1I)'nhle nOer njudglllt'IlII!l cntered ulllhc
Null' ur In nil aclinll ormurlltagc furrdu,urc~hnlll't' Ihe rnlc I'n)'nhle from Ilmc lollllle IInder Ihe Nole,
2S. Rider. 10 thIs Stcurlty In,trument.lfunenr more rldenore uectlled hy Iturrower and recnrdt'd logelher willi
Ihl, St'curh)' lmlrulllrlll, Ihe eovenanh nml nltreemrnl!l uft'nch !Iuch rider ~holl he IlIcorporalcd Inlo nnd !lhnll amelld nllll
'lIpplelllcnl the covennfll" and agreemcnl!l uf Ihl!l Sccllrily In!llrUlIlent n. ir Ihe rlder('1) were n rnrl ur Ihl, Secllrity
1r1'lrulllrlll,IChcck arrlicnhlt' bm.(e!l))
o Adju!llnhle Ralc Rider
o Orndunlrd Ila)'lIIrlll Rider
o 0'11,,(.) {'pcc;fyJ
o Condominium Rider
o 1'lnnuN Ullil Development
o 2-4 F.mily Rid"
Rider
Ih' SIONINO U[I.OW, norrower leCerl1 and ngrrC$ In the lerml and covenants cOlllnlnw ill thill Seeuril)'
II1"rul1Ienl and in 011)' rider(.) cl!.cculed b)' lJorrowcr and rrcnrdrcJ with it.
Wllnm~: f
........] .............11 (.,'If~M.".....,.L,l.'::..................... ...i?..d~1::t:.t1L..:!.:~~~::~~~....................(SC.ll
II (..7J 'iJr. -Borro.."
:.".c.. .:.t:.~.~.:~..........:.....~~~.r..................................... .t3Zi/e.CI.6?;;;;;"........................".,....,...(SC.,l
c h e rl{j'. ^. n e 115 0 tI ,!'t'2.~.~:..:I.-4ci~t
I',.:;t . . "'h'
ISpH' 8.10_ Thlt lint ror Acll.no.ltd"",nl) . :.~I ~ .,' '"" .':""'~: ,;, '. ,
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, ' .., t' ,.' .,' !, it')', . .~j
I ;. ..{' '",. !"J" 1'1
r::L'I'~ (11 P'!lI",~,,+"\lllil ~... (;.:;, '.' I'; t ' ,.:t' ,,' .' j,
r:f1unll' 01 CIlIJlborlamJ ~ ~ \ .. . ~ . ~irk~ '/'" ;
j 1.~corder1ln the ofllco for th9;rn.cordln.P'. 01 ~
11c'..I~~..d rO~1~8rlRn~ Cdu~'tY,~P;tf~,1
,/:-::.:J.:J.; \lOok'::: . .Vol_ ~ag. .
- \~II'{.'.~y h. . ..... I 01 250 01 . :'C/'
';"II.lo.Pa, doyol .
....~.,"r..~
M.lllo:
York Fed."" S..lnl/l '" Loen AUn.
101 S. George 51.
P.O. Box M.B8
York, PA 17405
Aftn: SeW.menl Dopl.
CmIHUNWEA1.TII Of I'WNSYINAtlJ^
COIINTY Of' CIMlERU\ND
5S:
Un t:1i !I , the 26th tiny or Oc.:oher. 19691 berore me,
, the undersJgned of(lcer, pf'r!lonnlly
nppon red Robe rt n. S l!nmOll5 nlld Cite ry 1 A. UellSOIl known to !ne (or 5,1 t l!l r olC tor J 1 Y
provell) lo bf' till' ImrsollS whose nm"'!B arc subscribed to the within InSlrulnl!nt
.111d ncknowledgcd thAt tllC! Y executed thl! solme for the purposes therein
cOllln(ned.
TilE I'RECISr: AllIlIlESS 01' Till:
rmWICW:rm/l.EtlIlER IS:
York Fl'llt!rn I Snv Ings ~ 1.01111
101 South Gcoq;c Strl'et
('.0. Unx tl-68
Vnrkl~'A 17',}5 .
IYlr ' "
~~ '. ~ ~
crrr
NOTARY
,. ' .. "l':~~";"""
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I,.. ,.,f\ ..... 'oJ
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\1..1 :~,'.:I()., t>.:..
'.-~J 4';:J" .'r")'"
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'~'. . ":'''l'':~;'\'')~
HOlAJItM.ItM. ' .' ..: .s
)0111 F "'nTHIRS, II01l11UI/lIlri!""' .
IffmIMII""" ,"" COMB!1IIAHDCO. FA:
MY COM" ~ rrq I'. '.!2!!...-
In WIlIleS5 WIWTCOr, I IlCrt'ulIlo set my hnnd ollld ofrlcloll !ie.ll.
/J~-thw
PUU1.le
A!t~wclo1llnll
hU~K U5G tALl.lOt.!
'"
EX" I It I T lIAII
ALL THOS/! CERTAIN lwo I"ell olllnd .lIuIl. In Noroll Newlon "owe.hlp,
Cumberl'r'ld COllnl)', P4nnltlvlnll, moro (ully bounded and described IS tau NOI. 27
.nd 31 on 110. SUbdivision PI,n lor Norob Newlon Mdnnr, as propHed hy Rodney I.ee
Oeder, n.s. d:lled June 8. 1989 and tIlcnrded In ClImberl.1nd COUll I)' flr.ln DlJok ~/J, r.lge
109, IInll furlher bounded and dcscrlbcll as follow&:
TRACT NO. I: DI!OINNINO ac I poinl In 110. notlhe,n dedle'led 'irolll.of....y IIn. 01
Pol. ftoure 6011 II rile dlvJdlnlllne bel ween Lou Nos, 27 and 28 on the dorelllcnlionell
."bdivlslon plln; lh.nco linn, uld dividing IIn. NOrlh 03 degree. 26 mlnule. 00 .eeonds
nasi 399.34 leello alol"l; lhene. .10n'lhe dividing IIn. bel ween LOll No. 27 and 31
on ..Id plln Norlh 2 degree. 45 mlnule, \.l.eeond. Easl 703.91 le'l 10 I polo II lhenee
Ilong ..m. Norlh 58 de8rees 38 mlnul" 20 second. Well 730.00 (cella a polnl; Ihene.
.'ong I,nd. now Or (o,merly o( W,lter FI.k.. Noroh 36 degrees 42 mlnule. 55 se.ond.
EIUI -'70.00 leer ro I point; rhence .'ong lands now or formerly o( srcr.hen C. Wiser, ot
ai, SOlllh 58 degree. 38 mlnures 20 seconds East 659.71 (ect 10 a fin: Ilcnce along lands
now or (ormerly o( Oovld K. Anklbrandl Soulh 55 degrees 42 nl nUle. OS ..eonds E",
567.24 (.et to a pin; Ihene. .Iong lhe dlvldln,lIne bel Wee. LOll Nos, 25 and 27 on lhe
a(oremenlloned .ubdlvlslon plan Soulh 35 degrees 16 mlnule. OS .eeonds WeSl 1195,23
leel 10 I pain I; lhene. along lhe dividing line b'lween Lois Nos. 26 .nd 27 on "Id plan
Norlh 68 degrees 14 mlnules 50 ..eondl Well \.l8.Gl (eel to a polnl; lhence along 10m.
Soulh 03 d'gree. 26 mlnules 00 leeond. /!all 349,67 (,et 10 I polnl; thence along the
noroher. dedlcaled rI,ht.o(.way line o( PI. Roule 641 Noroh 86 d'gree. 34 mlnule. OS
..eond. Wesl 150,00 (cello I polnl, the Pla~. o( BEOINNINO.
CONTAININO 21.567 "lOI, ..elullve o( dedle'led rlghl-o(,wlY.
AND DEINO FURTHER DESCRIBED II Lot No, 27 on Ille aloremeolloned .ubdlvlslon
plan.
'. i
TRACT NO.2: nrJOINNINO al . point In the nonhern d,dle.lIed righl.o(.w,y line o(
Pol. Roule 641 at the dividing Hoe bet.....een Lou No. 31 and 32 on Ihe aforementioned
,ubdlvlslon pllnl lhene. oIong .ald dividing line Norlh 16 de,rees 56 mlnule. 45 ..eond.
Well 615.96 (cello a polnl: lhenee ",ong Ume North 68 degree. 14 mlnule. SO seeonds
West 165.41 feer ro a point, this alnng land, now or tormerly of \\.'aller Ffchs North 36
de8rees 42 mlnules 55 s.,ond. Easl 851.06 reet 10 . polntl lhenee along lhe dividing line
belweeo 1.01. No., 27 lod 31 on 110, atoremenCloned .ubdlvislon pl'n Soulh 58 degrees 38
mlnules 20 s.eonds Eall 730.00 (eeclo a point: Ihene. .Inng Ihe eommon boundary line
belweeo LOIs No., 31 whh LOll 28. 29 and 30 nn IIld plan North 68 degrees 14 mlnul"
.50 seconds West 562.42 (cel: tJIl~nce .rong the dividing line between lots Nos. 30 and 31
on uid plan South 16 degrees 56 minutes 45 .seconds West 561.53 (eet 10 a paine: thence
along lb. north.,n dedlealed rlght,o(.way o( Pa. Raul. 641 by . eUn'. 10 Ihe rlghl whh
_I radius o( 1,9"0 (cot a distance 01150.15 (eet to it point, the PI.lec of BeGINNING.
AND BEING FUImIE.'l. OE'SCIullEO uS Lot rh. 31 on the aforementioned 5ulxJivisian
pl~ln.
BEING the Sol me prcm(sf.ls which IInnnon Graves Compnny, lIarry II. ~'Ol(. .Jr. <llId AliiI<'
G. I~ox, KlmtJa, Inc't <lnd .John II. Fox, Ciud.1 I.. Fox Ly their dCl!d cJo1tud
lllld rtlconh,!d III the office of the Uccort!cr of lJl!lJds
III .1Ild lor CUIOhurlalllJ County, I'cnnsylvilnl.l grlllltl.!d <llId cOllvl'Yl!d unto UoLl'rt n.
Simmons .lIId Cheryl A. (Jollson till! mortf.lHgor l1l.'rl!JII.
fiiifiJi 11.')(; ~A\lI1J4:;
IHOEIl TO I'/\RAGIlAI'II 18
lIlIe, the 'Illdersl.ncd !Iorrow.,r(s), do hereby .ll\ree thnt th"
(ollowlnr, Rlder to I'.Hngrnph 18 of the :lortp,nge/Deed o( Trust,
executed by me/us this 26th dnte of Odnh,,,' , 19~,
shall be effective In nccord with the terms and conditions thereof
nnd shall be deemed to be n condLtion of the Hortgage/Oeed of
Trust.
The term "reasonable attorney's fees", as set forth Ln I'aral\raph
18 hereof, shall be deemed to mean fLve percent (57.) of the
pdnc 11'0 1 due at the time of forec losure, or $300.00. whichever
is greater. This provlsLon shall be vold Ln the event this
Hortgage/Deed of Trust Ls transferred to the Federal 1I0me Loan
Hortgage Corporat Ion ("Fredd ie Hac"), or the Federa 1 national
Hortgage Association ("Fannie Hac"), or any other entLty utilizing
Freddie Hac or FannLe Hae standards and guLdelines as a condLtlon
of assignment or transfer.
~(;d ~)!.,~,,~~-.c...-q
(Borrowe rl
(SEAL)
I a
(LIlAjl '/;!/'I./J./J){ J
(Borrow )
(SEAL)
UOOK !J5fJ l'AI.LllJ44
:~
'IOUU'IUOI 'I
ADJUSTAULE ItATE IUIJr:I\
TillS AtlJmn^lIt.I': ItA'I'.: IlIln:H l'ITII,h'lhloe 26th__cll)' or _.O..:lobcr______ ~9B9_..__, aOIII.lll
rnfllUlIll'11 1lIllIlnll.hlll h. dHm,t1tuIl11l,ntlllnll'UII111,mllnlth. MOflalM'" U'Nlnl TfUIl, or UHIllll s.cur. (J,LI nh" "Sl'('Urll)'
11l~lrllll1l'nl"l III Ih. Unl. dill flt...," h)' Ih, 1I1111.u1Kn.tlllh. "lIor't1Wr.,"ltn ..ruulllonuWru'" ^dJud.llllltlll' Noll' In VOItK
n:llt:UAI. SAVINll:i ^NIII.(MN ASSOCIATION !till' "1."'llll'r"I III Ih.. '1'M ,1111.. ItllI' "NIIII'''I Inti rll'wt'rillR tI... 11'"I"',h
.lr.rrillr.1 in Ihl' SrwIIl)' In",uIIII'1I1 "1111''',,"11',1 nl:
. ,
Lot. 27 .nd JL RO.5Jlorth Newton M.no,' Newville, Pennsylv,nl.. 17241
"'""trr,':!' """'1''''
Till' NuU' rUlltRIII" l"u...I"IIIIUI nllu,,'hu( rllr l'hnllMl,,.III Ihl'llIll"I'''1 rllll', If thp Inl..,.,..1 rnlr In'
nt''''''''', Ih... lIurruw..r'" mUlllhl)' 11R)'llIt'I1I'" will h~ hlMhpr,1f Iht' Inh.'....1 r'Ur dc'e,rlu,,,,,, 1111"
IIl1rrnwt"'" mUlllllly ImYl1ll'lIl'" ",III Ill' h,w.'"
,\1'1'11'11" \1,("1\'1 r..\~l" 11III,I,llti'IIlI"lh.' nl\I'II,IIII'IIIIIIIIf'I"'lIl1'llllt 111.111' In Ih.. St'curilv 111'11'111I11'111,11""'1""'1 1111111,"1111.'1
IUIII,..r ..n"'"ll1l '"111 ",:,.'.' a'l lulluw'l .
,\. INn:Il~~~l' IlATt: Mill MOINTIII.1' 1'.\I'MI':N'I'I'II.\N';~~~
'rIlt! Nut,. (I1u...hlr!l for 1lllnill.llnhorut ,"II' IIf B,!~ _':'., ~Uun" of lhe Noto pro...ldes lor chlnKu In the Inlell"~llltll' 111111
till! I11I1I1Lhl)' 111)'Int!nll. .H. follow!!:
.1. INTBRBST RATB AND MONTIILY PA YMBNTCIIANUBS
1t\1 C'hunMI'lInlt''!
'I'hl.' int..r.!!t rult' I will poy 11111)' chllnlee 011 lilt! flflll dlY 0' _Nov~~~e.!.___..__. 19_. ?~. Ind on lhll rill)' ul
till' 1IIIIIIIh "\"'1)' __12.. . mUllth.. thl'll...ltflf. ":111'11 dnlf! on Wrhlch my Inlt'Iesl fate cnuld chanlee II caUrd. "Chlnlel! Untr"
My Illlmll\lt. pnYlIll'nl IIlIlY chnnJotl' nil thl.' fir!ll e1ny nlDecember_ . ._.. .~, 19. _90, Ind un thlll da)' "r lhr
mOllth "\'I'IY, .....~l.G:__. month!! thrrl'nftt'r .:o,'h tlllte IIn which my monthly pS)'lIll'lIt coultl rh.nge l!l callt'tl I l'l)'m..nl ChIng..
Oalt',
HlI Th., IlId,'x
1l",:inninJ: with the rir"tChnnlu! IInll', myinll'rl.'.t,ntl' will beburd un on "Index,"""! Indn Illhe"Conlrpcl Inlfornt
U.uIl',l'un:hlllll' II( P,t'yluulIl)' Occullled lIumu, Nntlonnl Avefnge rorllll Mtljur 'I'ypu ur I~nde,." publlah~d b)' Ihe Fedl'f111
Ilurn,.I,I,/ln 11111lk II"nrd, 'Ill" rno.lll r.crnt Inclex "Kure Ilyailable.. or 4r, day. berurench ChanRI' Ua~ I. callrd the "Curnnt
Inllu:,"
II thl' Indel i!! nulongt'r ....lIlIahle. th" Noll.' Holder will choose!' new Index which l!l bll~ed upon comp.uble Information.
Tht' Nlllt' IInllh'r will KiYI' lilt' nntlcl! 01 III thoi,'I.',
tC'l ('ukulutlu" ut ('1111111(""
Berur.. ..lIrh ChnoRe DlIlfo,lht' Nult' Ilnldrr will cnlrulnlf! my new In~fell fltll' by uddinR 1.25 _
111'rcl'nlnRe point. ( 1 ?~ %) 10 Iht' CUftl'ntlndn.1'ht' lIum will be my new inurt'llC rll~, My Inlerut fllte will not
hI' C'hnnRt'd by mnrt' IIll1n 1.75 pt'rcenlngr polnll on noy Chnnge UUU!, M)' Internt I.te will nol be chan.l'd by
I11l1r. thnn 6 no pe,centIlRt' polnlll Dye, Ihe life army Inan.
The Nole Holder wllllht'n dt'lt'rmlnt' tht' amount or the monthly p.ymenllhll would be lulficlenlto "pa)' In lull the
principlIll am 'lPt'Ctrd In OWl' on the chaoRt' l)lIlt' in sub~tanlllllly equlIl pl)'menls hy lhe mlluflt)' dlle It my new Interelt I.te,
'fh" rt':lIlll 01 thl!l calcula,ion will be till' m'w IlOlllunl olmy monthl)' paymllnt.
1IJ1 EIII'('II"'I' Unh' III l'hlUl)i:I'!ot
M}' 'll'W Inll',.'.t rille will h'~1I1111.' 1.11"1'11\'" 1111 ,'ach ChnllK!! Illllc. I wlll pay tht' amnunl a. my ncw monlhly pllymf'nl
Leginmn.: un lh~' lir!'lt Illlll\thly Pll)'IlI11Ilt. dill,' lilli" till' CIUlllgI' Unte until the Imounl uf m)' monthl)' p.)'nlfnl chanMe!l IMlin,
(EI Snlll'I' IIr l'hnnMI'"
'1'111' Nule 1I111Jl'r will llIull lIr IMi\'I:, to lilt' a nutict' beron' each l'l)'mentl.:hlnge O.te. The notice WriUltlYil1l mt' 01:
hI Ih,' m'w inti.,....! .nlt' I'tlllll)' 1111111 4I~ tlf thL' Ct,.nlee lJat~;
liil 11\1' 11IIIutlllt ullll}' 1II1111lhl)' IlIlyult'lIl fulluwinK lhe ChI 11MI.' nltL';
liill nil.\' 1I.!dilinnIlIIllIlUI'I" whil'h II... Nul.. Iloldrr hi ft'qol,~d to dladol.; Ind
11\'1 till' liLh'lllltl h'h.'phul1l' ll\llllln'r ul II 1,,'r!lUll wllu wllllnswer .ny quutlon I mllY hllVe ,tllafdlnK lhe nntlee.
II, l'1I,\1U.':S: l.n:SH
Uniform ('U\'L'nillll .. 01 tilL' Sl'curlt)' In!lt.rulIIrnl b .!IlIWllllcd 10 fead u (allows:
I. I hnrllt.~: I.ll'nll, lIorrow., !l1I11I".)' alllUl'!l. IUtllmentl, and other cha,s... flnel and Impolitlonl Iltribut.blt' to Ihe
I'W11I'rt)' which IIII1Y attlln . prlo'it)' oYer thll Security Instrument. and luuhold Pll)'m.ntl Of Ifound "ntl. If Iny, In th, manner
11IlIYidl'd IIn,h'r PltrllRTallh 2 hprellf or,lt nut paid In IUch mlnne" b)' Dorrow., m.klnll' pl)'mlnt. ",h.n du., directly to lh. pi)'"
lhp'lPor. lIorrnwt'r !'Ihall promptly furni.h to l.ender .U notlees o( amounU dUI under thl. paralflph, and In the Iv.nlllonower
.hlll mlk. I,.yment direct I)', norrow" !lh..n promptly rurnllh lo Lender rec.lpt. nldllldn, luch paymlnt., DOfrow., Ihllll
promptl)' dilcharR. any lien which hIS pflority 0...., lhll,Security InltNmlnt: hownn, Dorrowlr Ih.U nol. be r~ulrtd to
di!lcha'Rt' Iny !luch Iipn !lU lanK IS "nrrowt'r: llllhaU.g,H In .flling to thl paymlnl of lh. abU,ltlon IICUfed. by luch Uen In I
mann., Icc"'ltaLIt' to l.enderi Ibl shIll In good rallh cont'ltluch Uen by, or d.r,nd I.alnll IIn(orumlnl of Juch U.n In,ll.al p'O-
C'l'WinK' which in the opinion 01 lhe Leeder ope,ale to preYlnl th. .nrofclmlnt 0' thl U.n or forf.ltuAor the Proplny or any pUl
iiiiOK lJ5fi IALl1045
115)
. . IIUUU'IUU/II
~'r..
:York
. I :~J'~~,~b~1
101 SUUTII Or.onUI: STnr.!:'r
1',0, nox M,8n
YURK, I'A IHO~
. .
ADJUSTAULE 1tA'I'E NOTE
TillS NUn: CUNTAINS A I'nUVISION AI.LOWINU Fon CIIANm:s
IN MY INTEIlEST IlM'E.IF MY INTEIlEST IlATE INCIlEASES, MY
MONTIII.Y PAYMENTS WII.1. liE 1II(JIIEIl. IF MY INTEnr.ST
IlATE IJr.CIlI:ASI:S. MY MUNTIII.Y I'AYMENTS WII.I.IIE !.OWEIl,
--1l.c_~Qi!llV6 _.lo.!!L_ Shlremanslown .~.Yl!t.i'.!!L.___
City Stat.
Lot 27 and 31 1105 lIorth lIewton Manor lIewvllle, Pennsylvania 17241
Prop.rry Add"..
1. 1I01l1l0WEIl'S 1'1l0MISE TO ,'AY
In ttllurn ror II lOin thltl hlvu!celved, I proml.Ho PlY U.S,' 100 .000.00 lthb amount I, called "(It In.
Clpll"I, plu.lnl"'lt, to the ord" of the Lende,. Tha Lend., II YORK FEDERAL SAVINGS AND LOAN ASSOCIATION. I
und,ntand that the Lender may t,.nde, lhl. Nate. The lAnde, or anyone who tlk.. thl. Notl by lranller Ind who II enlhlHllo
rKelye p"ymenta under this Note Is caUL'll the "Note Uoldrr."
2. INTEIlEST
Interest will be charRed on that part or principII which hat not. betn paid beginning on the date I tKelv, principal and conti.
nulnR until tbe rull amount. or principal hit bun Plld.
Deglnnln, on the date I rKelye principal, I will p.y Intere.t at. a Ylllrly rite o( 8 .15 ,.. The fnterell rate th.t I will
PlY wlU chan.lln .ccordanet with s.c:L1on 4 of thl. Note. Thtlnt.trelt rate required by thl. 5KLlon .nd Sect.lon 4 or thl. Note I. the
r.t. I will pay both before Ind Ifler Iny default dtllcribed In Seclfon 7(81 o( thl. Note.
3. PAYMENTS
(A) Time and Place of Payments
I will pay prlnclplllnd Interest by making p.yment. eV~ry month.
I will m.k~ my monthly payment_ on the f1rat d.y or each month beafnnlng on Auaust 19---90
I will make lhlle plyment. every month until I have plld aU of the prlncfpal.nd inlere.1. and any other chu.n de.cribed below
that I ma)' ow. under this Note. My monthly paym~nt.a will be applied to InLer..t btror. princlp.l. H on
Jut v 1. 2020 , ,1.tlll owe IImount. under thl. Note, I will p.y tho.eamount.aIn full on lhlt.date, which
Is called the "maturity d.te."
I wlll m.ke my monthly paymenta al 101 South Georg. Sueel, P. O. DOlt ",.68, York, PA 17405, or at a durerenl. pllce Ir
required by the Note Hold~r.
(UJ Amount of My InlLlalMunthly Pnymenta
My lnltlll monthly payment. will be In the amount of U.S., 786 70 ThI. amount m.y change to
renec:1. chan".ln thelnterelt ralelhat I mUll p.y. The Note Holder will d.t.ennlne my monthly plym.nt in accordancl with Sec.
lion 4 of this Note.
4. INTEREST !tATE AND MONTIII. Y I'A YMENT CIIANOES
(A) Chanle Datell
The fntetest flte I will pay m.y change on the flnt day of Nnvp-mbf!r 19.!Ul-, and on that day 01
the month IV'ry ,12 monthllhereafLer. Each date on which my lntt,.st r.te could thanall..called an Inttreat
Change Date. .. "
My mo,thlY payment. mey change on thelltlt dllY 01 December IU..1Q.... and on that day of the
month every 2 montha thereart.er. E.ch date on which my monthly p.yment could thana- I. called . Payment
Ch.ngl Olle.
(0) The Index
Be.innlng with the nrat ChanRe Date, my Intete.trate will be baaed on an "lndex."The Index la the"Contractlntere.t
Rate, Porchaee o( Previously Occupied flom... National Averale (or all MaJor Typn o( Lendera" publt.hed by the Federal
Horn. Lo.n B.nk Board. The moet recent Index filu"aVlU.bl. aa of 4liday. b.(on .ach Chan.. D.Le I. callRd the "Current
Indu."
U lhe Index II no longer ayaUablt', th, Note Holder will choolla new indu which f. b..ed upon comparabl.ln(orl1Ultlon.
The Note Uolder will give me notice of Ih choice.
(C) Calculation of Chanlles
De(ore each Chanae Dille, the Note 1I0lder win calculate my new Intetfat rate by addln, -1. 25
percentJIRe polnlll ( 1 ,C; 9'0) to the Curnnt Index. The lum will be my new (ntere.t rate. My Intereet rate will not
be chanRed by mon than -LJ5 percentage poInta on any Chan.e Date. Mylntete.t rate will not bleh.nled by
more th.n 6 nn percentage polntA over the life of my loan,
Th. Not. Holder wW than determine th. .mount of the monthly paym.nt that would be lufficl.nt to "pay in lull the
principal I am expected to owe on the Chlnge Date In .ubsLantlaUy equal payment.a by the maturity dlte at my neW' Inlen.t. tate.
The rflult o( thla calculltlon will be the new amount o( my monthly p'ymenL
(D) Efteclln Cate ot Chanlles
My new Interflt nte wUI become effective on each ChllDg. Date. 1 will pay the amount of my ntw monthly payment
beginnlna on lhe ftnt monlhly payment d.te after the Change Date uatll the &mouat 01 my moothly plym.ot c.b.aa... 'laIn.
IE) Notl~e of Chanll'"
The Note lIolder will mln or deUver to me a notice btrore each rlym.nt. Chlnge Dati, The noUce will advl" me of:
1II the new Inten.t rate on my lOin as o( the ChIlD" Date:
1111 the amount of my ne.. monthly peym.nt 10Uowln, the Chanp n.te:
mil Iny addlllonal mllllefS wblch the Note Holder II requlrtd to dJ.clo..: and
IIv' the title .nd telephone number of a penon who will Inawlt any qu..tlon I mlY have nll1dJnl th. notln.
tJo8'}J{
n, unuunWt:U'H UIllIIT'.' t:I'AY
I h.v. Lh. right to "like p.)'m.nu of lulnclp.1 It Iny tlm. before they Ir. dUI. ^ p.ym.nt 01 principII onl)' I. known lIll .
"lu,p.ymenL," Whtn I milt, . luep.ym.nt. I will t.lI the Not. lIolder In .rIURllh., I 1m doln. 10.
I Illll)' mille. fullllf'll.ym."t or I paftl.. p"II"ym.nt. without P.)'lnl .ny pln.lL)'. Thl Not. Bolder will UIII .11 of 111)'
IUIII.)'m.nh to flttluu th. ,lIIounl. of prhu:III.1 Lhlt low. uRlbr thl. NuLl. If I m.k. I plrll.III"p.)'m.nL. th.,. will hll no thol')'1
In Lh du. d,t.. of my .nonLhly p.ymenu unl... the Not. Hold., '1(1"" In wrlUnc to Lholl dtl.y.. My p.,tl,1 prrll.ynll!llt will
,.tlun th. .mounl of my monthly plymenb on lh. flr.1. 1'.ym.hL Ch.n.. Olt.. followln, my partl.lruep.ynuml, 1I0w,v14', Iny
"dudlun du. to my p.rtl.IIIU!(I'Ylntnt ml)' b. offl.L b)' .n IlIhr..t ,.t, Inc"....
II. UlAN CIIAlIClt:H
II , Ilw which .ppU.. to thl.lo.n and which .11. maximum loan chIfS..I. fln.lI)' Inhrpnted .0 th.L Lhelnte,.!ll or otht'r
Inln chltsel cnllt'cted or to b, collected In connedlon with thl.loln IlCud th. permitted IIrnlu. then: mlny luch Inlll chllrK'" 1111111
bl! reduud b)' the Imount necl..lr)' to reducI the char.. to th. pttmlUetllJmlt: .nd un In)' .um. ,heedy colll.'Chll hUlTlllle which
IJ.cDeded permlttetJ limit. will b. rafunded to m.. Th. Not.lloldtt nI')' chooll to mike thl. ,,'und by reducing thlllulnclplll ow.
under thl. Not. or by m.klng I direct payment to m.. If a r,'und reducee principII, the reduction will be treltlL!d I' II partial
prelllYfllent.
7. 1I00111nWt:II'S t'AII.U1U: TO I'AY AS IIEQUIIlEn
(,\) I.ntc Chllrltc for Overdue Paymenta
If the Notllllolder hi, not received the fulllmounLor Iny of my monLhly payment. by the end of 16 cah!l1dar daYlllrt!!r
the dltl! It I, du.. I will PlY elet. charSIl to Lh. Not.llolder, Th. amount of the charg, will be6% of my oVllrdul! payml!nt of prln'
clllol and IntlllSt. I will PlY thlllat. charHe promptly buL only onca on any late payment.
(II) IMBul1
If I do noL pay the full .mount of eDch monLhly plyment on Lhe dale It Is due, I wlll be In defoult.
(e) Notice of Ocrault
If I am In ddault, the Note lIoldor mlY lend me a wrlUI!n notice te1l1ng me thaL If I do not pay the overdue amollnt by "
curt.ln d.te Lhe Note lIold" mey rerlulre me to p.y Immedl.tely Lhe full.mount of prlnclp.1 which h., not b~n paid and all the In.
Lerost th.t I owe on th.t Imount. Th.t data must. be.t lent 30 diY, I(ter the dlLe on which the notice Is mailed or dl!llvertd to me.
(0) No Waiver by Note Holder
Even If, .t a time which I .m In default. the Note Itolder does not require me to pa)' Immediately In full as dl!lIcrlbed
abovll, the Note Holder will It III hive the right. to do 10 I( I 1m In default .t a later time.
(E) Pa)'ment of Note lIolder'. COlla and Expen.e.
U the Not. lIohl., h.. required m. to P'Y Immed.IIL.ly In full.. de.crlbed .bo...., the NoL.Uolder will have thlt right to
be p.ld back by me for.O It. rllllon.ble coata Ind expensel to the extent not prohibited by .pplluble law, ThOle 1tX1U!nle!l11l8Y
Include, (or "Imple. reuon.ble attorney" (eu.
H. GIVING OF NOTICES
Unl.s. .ppllcllble law requires I different method, .ny notice th.t must be given to me under thla Note will be given by lIIail.
Ing It by 1I,.t. e1I1S mall or by delivering It to me at the Property Addrelll sbove or at a dl(ferent. addr... if I give the Notl" Iloldllr II
notice of my different .ddreilll,
Any notice thlt mUlt. 1M given to the note Holder under thl. Note will be siven by m.lllng It by first. clan mell to the Nutl!
Uuldl!r at the eddreu tltlted In &letion 31A' above or It a dl(ferent uddrllu If I am siven , notice of that durerellt .ddrl!lI11.
O. ODLIGATIONS OF PEIISONS UNDEU TillS NOT!> .
If mar. then one person signs this Note, each person Is rully and person.lly obllg.led to keep aU o( the promises mede In this
Note. Including the promise to p.y the full .mount owed, Any person who II a gu.,.ntor, surety. or endorser of thll Note Is ol!lu
obligated to do thel8 things. Any pereon who takes over these obligations, Including the obligations of. guer.nlor, .urety, ar ell'
dorser of this Note.la elso obllgeted to kevp aU of the promises made In Lhls Note. The NoLe Holder m.y enforce ILs rlHhta undl!r
this Note .galnst e.ch person IndivIdually or against ell of UI togelher. Thla munalhat anyone of us may be required to pa)' all of
Lhe .mounts owed under this Nate,
10. WAIVERS
I and Iny other person who hu obUsatlons under thia Note wal\'. the rights of presentment end notice of dishonor.
"Presentment" means the right to require the Note Holder to demand p.yment of Imounts due. "Notice of dishonor" means the
rlsht to require the Note Holder to give notice La other peraons that amounts due have not. been paid.
II. TillS NOTE SECUIIED DY A SECUII1TY INSTIIUMENT
In .ddltlon to the protections given to the Note Holder underthJlI Note. a Mortgase, Deed of Trult. or Deed to Secure Debt
Ithe "Security In.trument"l with an Adjustable Rate Rider, dated the aame d.y.. this Note, proLects the Nato Bolder from ponl.
bill lanes which might r.,ult If I do not keep the promlsel which I mak.ln this Note. That. Security Instrument and Rldl!r describe
how Ind under wh.t condlLlons I may be required to makelmmediat. payment In full of .1Ilmounts thlt I owe undor this Note.
Some of tholl condltlona ere described aa follows:
"Traruf,ro!,h. Prop,rty ora Ben'ficud Inr,,.,,' in Borrow,r. If an or .ny part. of the Property or In Interelt therein Is .old or
transferred lor If a benuflclallnterut In Dorrower I. aold or transferred and Borrower Is not a natural personl without Lender's
prior written conlent., Londer may..t Lender'. option, declare.1I the aumllecured by thil Security Inltrument to be Immediately
dUB end payable. However. thla option shan not be exerc:laed by Lende.. if exercise is not. authorized by Federal law.
"If l.enderexercllllS euch option to accelerate, Lender sh.ll man Borrower notice of eccelerlltlon in accordance with paragraph
I.. hereof, Such notice .haU provld.. period of not lell than 30 daYI from the date thlll notice II mailed within which Burruwer may
pay the sums declared due. If Borrower faUI to pay luch aums prior to the uplrltlon of auch period. Lender m'y, without further
notice or demand on Borrower. Invoke any remedies permitted by par.srlph 18 hereof.
"Notwithstanding a sale or transfer, Dorrower will conUnue to be obllgetcd under the Nolo and this Security Instrument
UIlIl!1IS I.ender hus relculted Uorruwer In writing."
Witness the hand(s) hnd the scol(s) of the undcnlgned,
;eb'~1 /5j:. ....,:..."..VOJ.
Robert 6. S1nvnons Borrow,r
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Chery; A. Benson Borrow,r
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IMI'OIITANT
NOTICE OF nOMEOWNEllS' EMERGI!NCY MORTGAIa.: ASSI~n'ANCE ACT nt'198J
1'1.1:,\5& Rf:.ID TIllS NOTICE. You MAY DF. EI.IGIIII.E FOR f1NANCIAI. ASSISTANCI! TUlV.\RIl YOUlI
MORTGAOE I'A YMHNfS.
DOle: Deeemller II. 1997
RE: ^ceou", No.: 1600411874
1185 GreoDJPMR Ro.d
NewvUl. PA 17241
TO:
FROM:
Robert SlmmoDJ
YORK FEnERAL SAVINGS AND LOAN ASSOCIATION
Your mangage Is In serious derOlult beeause you have (ailed to pay promptly InslallmenlJ of princlpOlI and inlerest. as
required, ror. period .r alleast .UllY (60) day.. The 10Ll\ amo.n. or the delinquency I. $41,411.72. ""1 .um Includes 'he
fullowlng: Princ1pul, Interest, Escrow, IlDd Lute Charges
Your mongage Is also In default for the (ollowlng reason:
You may be eligible for financial asslslance thiU wl11 prevenl fOretlasure on your mangage if you comply with dIe
provillons of tbe Homeowners' Emerscncy Monsage Assistance Act of 1983 (the. Aet"). You may be eligible (or emergency
temporary asslsr.ance if your default has been caused by circumstances beyond your control. and If you meel the ellgibllily
requirements of the Ace as detennlned by the Pennsylvania Housing Finance Agency. PI~:ne t~:ld :111 nf lhl~ Nnllce If cnnl:tlm
:tn t!'pl:ln:trlnn nr Your ri['hr..
Under the Act, you are entitled co atcmpomry SlaY of foreclosure on your mongagc for lhlny (30) days (rom thc date
of litis Notice, DUring dial time you must arrange and a!tend a .filce-to.(acc. meeting with a rcpresenl:[ivc of this lender. or
wld1 a designated consumer credit counseling agency. The purpose o( this meeting is 10 atlempt to work out a repayment plan,
or to otherwise settle your delinquency. Thl~ mlt!!llnv mmf ncr.nr In Ihe nexr Ihlnv (10\ d:lv~.
If you anend a face-ta-face meeting wilh this lender. or with a consumer credit counseling agency Idenlified In this
notice, no funher proceeding in mongage foreclosurc may lake place for thiny (30) days after the dale of dlls meeling.
Thc name. address and telephone number cf our represenladve Is:
The CoUeclloD Department
101 S.uth George Slr..I, P.O. Box 15068
York, PeunsylvlUl/. 17405
Telephooe Numher: (717) 846-8777, Extension 2714
The name(s) and address(es) of (a) desigruued consumer credit counseling acency(les) is (arc): See attached exhibit.
Ie Is only necessary to schedule one filCIHo.filce meeting. You should advise this lender Immediately of your intenlions.
Ir you have tried and arc unable Co resolve this problem alar after your race-ta-race meeting. you have thc right 10
iJpply for firu.ncial assistance from the Homeowners' Emergency Mongage Assislance Fund. In order to do this, you must fill
OUl. sign and file a completed Homeowners. Emergency Assistance Application with one of die deslgn:1ted consumer credle
counseling agencies listed above. An application Cor assistance may only be oblained from a consumer credit counseling
agency, The consumer credit counseling agency will assist you In filling out your application and wlll submit your compleled
appllc<Jtlon 10 the Pennsyl,,!anla Housin~ Fbunc~ Agency. Ynill mn~t:tppl;v f~ one nr.lh~ rnnmm~r r.N'rtit cnllll~~linl' ~vende~
1I~I~d In the ~1I~l'he" exhlhll rnr an 3Dplrr.:ltlon wuhln 10 ":tv. !Lygur !1!~~..~-f~~ ~~"!!~.
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. .111. m"m,l~ Impon,", ,hot VOII me ynllr 'PpllOOllon pm~e~v; I~~~':~~~~! ~e~ .~~~r ~v~:: r~ ~:. r~~~~ :~~.~m~r
I1m~ pt'MOlI'll ~t!r rot1h In Ihh 1t!:IIr.r ro~~ro~lIre may pinl'~~fl :1I!:llm \I h It If v II I n If I I Y
fm :I.d"l:lnce.
AvallOlblc funds for emergency mongllge asslslance are vel}' Ilmiled. They will be disbursed by the Agency under dle
eligibility criteria eSlOIbllshed by dle Ace.
It 1'1 ~xfrt!mt"lv Impn"~nr Ih:u vour npplblllnjo; I. 1l1'!lIta.re AOfI. cnmple;le In e~l'":, 1'r!!Ipt'cr . Tht! Pt"nn.vlv:tni:t Hnmlnf'
Fln:J.n~e A9t!:ncY 11:1. dXIV Uim dllV" In m:lk~ ~ d~~_J!!!! :!.f!.tt I! ~~1~ ~Q I!:. !!ppli~l!lin!!. Cunng that additional lime. no
(on:closure proceedings will be pursued iJgaiost you If you have met dlC lime requiremenls set fonh above. You will be nOllfied
directly by that Agency of its decision on your appllcauon.
The PetUlSylvania Housing Finance Agency Is localed at 2101 Nonh Front Street, P.O. Box 8029. Harrisburg, PA
17105, Telephone N.. (717)780-3800 or 1-800-342-2397 (loll free number).
Enclosed also Is another notice Crom this lender under Act 6 of 1974. That notice Is called a .Notice of Intention eo
Foreclose.. You must read both notices, since they bOlh explain righls that you now have under PeMsylvanla law. However,
ir you choose 10 exercise your rights described in Iftis notice, we cannot (oreclose upon you during that time. Also. I( you
receive financial assistance from die Pennsylvania Housing Finance Agency, your home cannot be Coreclosed upon while you
arc receiving that assistance.
Sincerely.
;p:,:
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I -Print your nlml and Iddl'llll on the NVWM of IN, form 10 that we Cln '''urn Ihla
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-Attach thia fonn 10 the fI'onI ollht mallpltot, or on thl bldllf apace don not
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I Cheryl A. Benson
I 2' 9919 Spring Creek Rd.
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, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION -- MORTGAGE FORECLOSURE
YORK FEDERAL SAVINGS
AND LOAN ASSOCIATION
Plaintiff
vs.
No. 1998-706-Civil
ROBERT B. SIMMONS
CHERYL A. BENSON
Defendants
MOTION FOR ORDER DIRECTING METHOD OF SERVICE OF COMPLAINT
AND NOTICE OF SHERIFF'S SALE PURSUANT TO RULES 430 AND 3129.2
AND NOW, comes the Plaintiff, York Federal Savings and Loan Association and, by its
attorney, Benjamin F. Riggs, Jr., moves this Honorable Court as follows:
1. On February 5, 1998, Plaintiff filed its Complaint initiating an action in mortgage foreclosure
with the Prothonotary of Cumberland County, Court of Common Pleas regarding property located at
1185 Greenspring Road, Newville, Cumberland County, Pennsylvania 17241. Said Complaint was
re-instated on March 5, 1998.
2. Guaranteed Subpoena Service, Inc., a private process server, was unable to effect service
upon Defendant Cheryl A. Benson, because Defendant could not be found at her last-known address
of 6700 North Stevenson Street, Terre Haute, Indiana 47805,
3. Guaranteed Subpoena Service has made diligent searches and inquiries for the Defendant,
but was unable to locate Defendant.
4. Plaintiff has made various attempts to ascertain a new address at which Defendant may be
served, said attempts being set forth in an affidavit attached hereto and made a part hereof as
Exhibit "A".
5. Plaintiff, pursuant to Rules 430 and 3129.2 of the Pennsylvania Rules of Civil Procedure,
desires to obtain a special order directing the method of service of the Complaint and Notice of
Sheriffs Sale upon Defendant Cheryl A. Benson.
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COMMONWEALTH OF PENNSYLVANIA
COUNTY OF YORK
ss
The undersigned, Melissa A. Carpenter, being duly sworn according to law, does depose and
say as follows:
I. I am a Paralegal of the Legal Department of York Federal Savings and Loan Association,
the above-named Plaintiff. I have personal knowledge of the matters hereinafter referred to and make
this affidavit on behalf of Plaintiff.
2. Plaintiffs Complaint in Mortgage Foreclosure could not be served upon Defendant Cheryl
A. Benson, at her most current residencE! address for personal service by Guaranteed Subpoena
Service, Inc.
3. Plaintiff has attempted to ascertain an address at which Defendant Cheryl A. Benson, may
be served by the following means:
(a) Search of local telephone directory where there is no listing for Defendant
in the Terre Haute, Indiana area.
(b) Inquiry of Cumberland County voter registration office where there is no listing for the
Defendant;
(c) Inquiry of our Collection Department who have no other addresses listed as being given
to them by the Defendant.
(d) Personal service by Guaranteed Subpoena Service.
(e) By running a new credit report dated March 11, 1998, which has no other address
listed.
I declare the foregoing information to be true and correct.
~J'lOaLMa {),~~{,
Melissa A. Carpenter I
Paralegal
SWORN and subscribed to
before me this.73 r-'day
of March, 1998.
Notary Public ;&J-y.d (- &a.u..'-f-k-V
My commission expires:
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UHIBIT A
GUARANTEED SUBPOENA SERVICE. INC.
Form 2001
P.O. BOX 2248
UNION, NJ 07083
(9081887.0088 l.aoo.e72.1952 FAX 1.908-888-0885
Copyrlghll992
.Affiiluuit of ~rpCE55 @luuu
'"' ( "-'\. "1-'
J'>c:.>i \ I t
STATE OF NEW JERSEY:
:SS
COUNTY OF UNION :
Jd~ea. ~DE6USJ1' . 01 lull age. being duly sworn according to law. deposes and says:
NAME OF PROCESS SERVER
1. In the matter 01 Va fJ..V- ~jUrL 'S~\ll N <oS
o T Pl.A!NT1FFiPETtT1ONER
N)f?-$:!Z:\ ~I vnmOlJS +- (lJ-( ~ ..Q.tJ L.
o WW~~W?~D~
-t 6- 7cJ.o . I served c..t\~'I L-
DOCI<ETICAS~
with r-JonC9 ;. l....l'I...-n\)LMN\
lYl'E Of' PflOCESS
by serving
.,. LoAN
8eNst)/V
e:.f3. tJ 'i () rJ
NAME OF PERSCltftNTfT't
vs.
o at home Cfcr 14'
o place 01 business
PERSON SERVEll'EHTTTY~
S J? ({ It'JG C 12 E~ ) TI;f2..kf:: I kif)) ,4 JVA.
on
at
TIME
DATE
2. I completed the above service as a result 01 the lollowlng conditions:
o Sherlfl lalled to complete successlul service 4:4-3b.
o Sherlfl could not serve by 40th day 01 having process 4:4-3b.
o Delendants acknowledgement 01 service Is attached 4:46.
o I was specially appointed by the court to complete this service.
3. I completed the above service In the lollowlng manner.
o Individual Servlca: by serving to the named persons or entitles the process with a true copy. 1:9-4.
o Substituted Service: by leaving a true copy of the process at the abode 01 persons being served with a member
01 the household age 14 or more and explaining the general nature 01 the process, 4:4-4A.1.
Relationship Age _ Sex _ Race Hgt. _ Wgt. _ Hair
o By Posting: attaching copies 01 the process In a conspicuous manner to the address 01 the persons/entities
being served.
o Corporate Service: by serving a true copy 01 the process to: 4:4-C.1.
NAME OF CORPORATlON
PERSON SERVED
TITlE
DATE
4. 0 Mailed Servlco: By certified (RRR) and ordinary mall simultaneously to the delendant's abode.
o Certllled receipt attached 0 Ordinary mall not retumed
5. Non.Servlce: alter due search, carelullnqulry and diligent attempts, I was unable to eflect proper service upon
the persons/entities because:
o Unknown at address ~Moved, lelt no lorward
o Address does not exist 0 Unable to serve In a timely lashlon
o Evading \i\Other. (t\\~e ~u(:).uP,1. ma\l~.f) IN
o Service cancelled ) I 4_ y2.."::.. /\-bo. /'Un Dl'lo"'~ LlSTll0(o I
Service was attempted on: 2l/8 QS .5:350,
DATE. TIME r I DATE TIME DATE T1ME
Sworn and SUbsc~bed to belore
this f::).d day 01 Fcfl, 1918-.
~.R~c/~<
Commission E~plres:
PHlLlIP 0 ROUDEBUSH
NOTARY PUBLlCSTA TC OF INDIANA
TIPTON COUNTY
MY COMMISSION ~XP MAY 5.2000
Belore the undersigned personally appeared
llQ(~w\ ~~
PROCESS SERVER
RECEIVED MAR 0 2
19~~
GUARANTEED SUBPOENA SERVICE,INC.
Form 2001
P.O, BOX 22'8
19081 B87~~ 1~72.1~2 FAX 1.908 988 088~
Copyrlghll9'l2
UNION, NJ 07083
.Affiillluit of JrnC.eBB J;Uu.er
STATE OF NEW JERSEY:
: SS
COUNTY OF UNION
i-1l:AT1-l~R. .QCA)ce.~
NAME OF PRCX:US SERVf?
1. In the matter of lORle:.
, of full age, being duly sworn according to law, deposes and says:
F8)E.RAL ,c::,A\J IN <.....$ vs.
PLAINnFFIPE'TTTlOHER
\- 8,",N SO f\J
DEFENDAHTIRESPCNDEHT
~, t'Y1 mc 1\\ S
9R - "/0 lD
DOCKET,Cf.SE .
, I served
NAME OF fl!RSOHENTTTY
with
by serving
TYPE OF PROCESS
PERSON SERVED'ENTITY SERVED
t\). STE.\Jf,'\JSCN ST, ~f2E fJAUTI::
INDIAJJA;
07 at:::,
o at home
o place of business
on
at
DATE
TIME
2. I completed the above service as a result of the following conditions:
o Sheriff failed to complete successful service 4:4-3b.
o Sheriff could not serve by 40th day of having process 4:4-3b.
o Defendants acknowledgement of service Is attached 4:4-6.
o I was specially appointed by the court to complete this service.
3. I completed the above service In the following manner:
o Individual Service: by serving to the named persons or entities the process with a true copy, 1:94.
o Substituted Service: by leaving a true copy of the process at the abode of persons being served with a member
of the household age 14 or more and explaining the general nature of the process, 4:4-4A.1.
Relationship Age _ Sex _ Race Hgt. _ Wgt. _ Hair
o By Posting: attaching copies of the process In a conspicuous manner to the address of the persons/entities
being served.
o Corporate Service: by serving a true copy of the process to: 4:4-C1.
NAME OF CORPORATlON
PERSON IIlRVEO
TITlE
DATE
o Mailed Service: By certified (RRR) and ordinary mall simultaneously to the defendant's abode.
o Certified receipt attached 0 Ordinary mall not returned
Non-Service: after due search, careful Inquiry and diligent attempts, I was unable to effect proper service upon
the persons/entities because:
o Unknown at address hi Moved, left no forward
o Address does not exist 0 Unable to serve In a timely fashion
o Evading 'lia Other: Co I llE'EK- '<,
o Service cancelled
Service was attempted on:
4.
5.
3/.~?!9B 9:J.bP,r
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DATE
TIME
DATE
TIME
19 9/, .
Before the undersigned personally appeared
&Clij\O;t 1~~~~
. PHilLIP 0 ~OlJtlUi1USH
NUIAKI I uol,(:;j,,,Tco~tNDIANA
nPTON COUNTY
MY COMMISSION EXP MAY 5,2000
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YORK FEDERAL SAVINGS
AND LOAN ASSOCIATION
Plaintiff
vs.
No. 199B-70B-Civil
ROBERT B. SIMMONS
CHERYL A. BENSON
Defendants
ORDER
AND NOW, this ~1) day of March, 1998, upon consideration of Plaintiff's Motion for Order
Directing Service of Complaint pursuant to Rules 430 and 3129.2 and affidavit in support thereof;
IT IS HEREBY ORDERED that Plaintiff is authorized to serve the Complaint in Mortgage
Foreclosure upon the Defendant Cheryl A. Benson, by advertising notice of the filing of Plaintiff's
Complaint in Mortgage Foreclosure one time only in the Patriot News and the 9umberland Law
Journal.
IT IS HEREBY ALSO ORDERED that the Sheriff of Cumberland County is authorized to serve
Plaintiff's written notice of Sheriff's Sale of the mortgaged property upon the Defendant Cheryl A.
Benson, at her last-known address by certified mail, return receipt requested, and by first class mail
and by posting a copy of said notice on the property, by advertising notice of the sale in accordance
with Pa.R.C.P. 3129.2(d) and in such other manner as the Court shall direct; and
IT IS FURTHER ORDERED, that service in the above-described manner shall constitute full
and competent service under the Pennsylvania Rules of Civil Procedure.
Judge
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
YORK FEDERAL SAVINGS
AND LOAN ASSOCIATION
Plalnllff
No. 1998-706-Clvll
vs.
ROBERT B. SIMMONS
CHERYL A. BENSON
Defendants
Action in Mortgage Foreclosure
CERTIFICATE OF SERVICE
I HEREBY CERTIFY that on April 30, 1998, a 1o-day Default Notice in the
above-captioned matter Was mailed to the Defendants Robert B. Simmons and Cheryl
A. Benson by regular mail, postage prepaid. A true and correct copy of the 1o-day
Default Notice is attached hereto and incorporated here;n by reference.
IRe
B . . F R'J E .
enJamrn . IggS, r., sqUire
(I.D. #72030)
Attorney for Plaintiff
101 S. George St., P.O. Box 15068
York, PA 17405-7068
Telephone: (717) 846-8777, X2309
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
YORK FEDERAL SAVINGS
AND LOAN ASSOCIATION
Plaintiff
No. 1998-706-Civil
vs.
ROBERT B. SIMMONS
CHERYL A. BENSON
Defendants
Action in Mortgage Foreclosure
TO: Robert B. Simmons
1185 Greenspring Road
Newville, PA 17241
DATE OF NOTICE:
April 30, 1998
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A
WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING
WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET
FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE
OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A
HEARING 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.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
Telephone: (717) 249-3166
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Benjamin F. Riggs, r., Attorney for Plaintiff
York Federal Savings and Loan Association
101 S. George Street, P.O. Box 15068
York, PA 17405-7068
Phone: (717) 846-8777, Ex!. 2309
J.D. No. 72030
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clrculetlon, hereby acknowledge receipt 01 the eloreseld notice and publlcetlon costs and certlllea thet tha aeme have
been duly peld. THE PATRIOT-NEWS 00.
UnderAct No.587. AooroDed MaD t6. t929
Commonw..lth 01 P.nn.ylv.nl., County 01 Dauphin) ..
Fr.lnkJ.Epl.r being duly sworn according to law, deposes and says:
That he Is tha Controller 01 THE PATRIOT-NEWS CO., I\' corporetlon orgenlzed end existing under the lews 01 the
Commonweellh 01 Pennsylvenle, with lis principe I office end piece of business at B12 to B1B Merket Streat, In the
City 01 Harrisburg, County 01 Dauphin, Stete 0' Pennsylvenle, owner end publisher 01 THE PATRIOT-NEWS end THE
SUNDAY PATRIOT-NEWS newspepere 01 generel clrculetlon, printed and published at B12 to B1B Market Straet, In
the City, County and Stete eforeseld; thet THE PATRIOT.NEWS end THE SUNDAY PATRIOT.NEWS were estebllshed
Merch 4th, lB54, and September lBth, 1949, respectively, end ell have been continuously published ever since;
That the printed notice or publication which Is securely alteched hereto Is exectly es printed end published In
their regular delly and/or Sundey end Metro editions/Issues which eppeered on the 4th dsy(s) 01 Aprlt 199B. Thet
neither he nor seld Compeny Is Interested In the subject meUer of seld printed notice or advertising, and that ell 01
the allegations 01 this stetement as to the time, piece and cherecter 01 publication ere true; end
That he hes personal knowledge 01 the 'ects aforeseld end Is duly euthorlzed and empowered to verily this
statement on behalf 01 The Patriot. News Co. aloresald by vlrtua end pursuent to a resolution unanimously passed end
edopted severelly by the stockholders end boerd 01 directors 01 the seld Compeny and subsequently duly recorded In
the otflce lor the Recording 01 Deeds In end lor seld County 01 Deuphln In Mlscelleneous Book "M",
Volume 14, Pege 317. ~ ?-;;
PUBLICATION ~? :.JII ~
COpy Sworn to end subscribed dfo;e m~ Bth dey ol~rlt
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NOTARY PUBLIC
mission expires June 6, 1998
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My Commie..... ElljlirltS June 6,htJa:
Uootlor. p.,'~~ol Not1nes
MELISSA A. CARPENTER
C/O YORK FEDERAL SAVINGS & LOAN ASSOC.
P.O. BOX 1506B
YORK, PA. 17405
Statement of AdvertIsIng Costs
To THE PATRIOT-NEWS CO., Dr.
For publishing the notice or publlcstlon etteched
hereto on the ebove steted dates
Probetlng seme Notary Fee(s)
Total
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THE PATRIOT NEWS
THE SUNDAY PATRIOT NEWS
Proof of Publication
Under Rt! No.581. Rooruued Mau 16. 1929
Commonw..lth 01 P.nn.ylv.nl., County 01 Dluphln) II
Fr.lnkJ.Epl.r being duly sworn according to law, deposes and says:
That ha la the Controller of THE PATRIOT-NEWS CO., 8" corporation organized and existing under the laws 01 the
Commonweslth of Pennsylvania, with Its prlnclpsl olllce and place of business at 8 I 2 to 8 I 8 Market Street, In the
City 01 Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of THE PATRIOT-NEWS and THE
SUNDAY PATRIOT-NEWS newspapera 01 generel circulation, printed and published at 812 to 818 Market Street, In
the City, County and State aforesaid; that THE PATRIOT-NEWS and THE SUNDAY PATRIOT-NEWS were established
March 4th, 1854, and Septembar 18lh, 1949, respectively, and all have been continuously published over since;
That the printed notice or publication which Is securely allachad harato Is exactly as prlntad and publlshad In
thalr regular dally andlor Sunday and Metro editions/Issues which appeAred on the 4th day(s) of April 1998. That
nellher he nor seld Company la Intarestad In tha subject matter of aald printed notice or advertising, and that all 01
the allegations of this statement as to the time, place and character 01 publication are trua; and
That he has peraonal knowledge of the facts aforesaid and la duly authorized and empowered to verify this
atatement on behalf of The Patrlot-Newa Co. aforesaid by virtue and pursuant to a resolution unanlmoualy pasaed and
adopted severally by the stockholders and board of directors of the said Compsny snd subsequently duly recorded In
the o<<lce for the Recording of Deeds In snd for said County 01 Dauphin In Miscellaneous Book "M",
Volume 14, Page 317. ~ ~
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PROOF OF PUBLICATION OF NOTICE
IN CUMBERLAND LAW JOURNAL
(Under Act No. 587, approved May 16, 1929), P. L.l784
STATE OF PENNSYLVANIA :
ss.
COUNTY OF CUMBERLAND :
Roger M. Morgenthnl, EsquIre, Editor of the Cumberland Law Journal, of the County
and Stnte aforesaid, being duly sworn, according to law, deposes and says that the Cumberland
Law Journal, a Icgal periodical published in the Borough of Carlisle in the County and Statc
aforesaid, was established January 2, 1952, and designated by the local courts as the official
legal periodical for the publication of all legal notices, and has, since January 2, 1952, been
regularly issued weekly in the said County, and that the printed notice or publication attached
hereto is exactly the same as was printed in the regular editions and issues of the said
Cumberland Law Journal on the following dates.
viz:
...
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APRIL 10. 1998
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Affiant further deposes that he is authorized to verify this statement by the Cumberland
Law Journal, a legal periodical of general circulation, and that he is not interested in the subject
matter of the aforesaid notice or advertisement, and that all allegations in the foregoing
statements as to time, place and character of publication are true.
,'--- / /~)J1/l
Roge'r M. Morgenthal, Editor
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SWORN TO AND SUBSCRIBED before me this
....llLdayof APRIL. 1998
A SEAL
lOlS E. SNYDER Nolo
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"'\1.' CC'lflllliuion f)f I ounty. PA
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MAY DE USE
PROVIDE fO
Rm'v'" "York Federal Sayings & loan Aun.
iii I S. G~nrg" SIR'~t
P. O. Box 15068
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PS Form 3817. Mor. 1989
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PS Form 3817. Mar. 1989
Rm'v'" ...myork' Federal Sayings & Loan Asso.
16\ S. George S~eet
P. O. B8x 15068
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
YORK FEDERAL SAVINGS
AND LOAN ASSOCIATION
Plaintiff
No. 1998-706-Civll
vs.
ROBERT B. SIMMONS
CHERYL A. BENSON
Defendants
Action in Mortgage Foreclosure
PRAECIPE TO ENTER JUDGMENT
To the Prothonotary:
ENTER JUDGMENT in the above case for failure to file, or enter, a timely
Answer to Plaintiffs Complaint in Mortgage Foreclosure against Robert B. Simmons
and Cheryl A. Benson in favor of York Federal Savings and Loan Association for the
following:
Amount Due Per Complaint. . . . . . . . . $ 140,525.69
Interest from 1/24/98 through 9/2198
(inclusive) at $23.3686 per diem. . . . . 5,452.23
Late Charges from 1/24/98 through 9/2198
(inclusive) at $37.73 per month. . . . . . 277.48
TOTAL AMOUNT DUE $ 146.255.40
with interest from 9/3/98 at such rate or rates as established by Plaintiff pursuant to the
terms of the Adjustable Rate Note, currently $23.3686 per diem, late charges from
9/3/98 at 5% of the monthly payment amount, currently $37.73 per month, attorney's
fees, costs of suit and other charges collectible under the Mortgage; and for any and all
other relief as the Court deems appropriate.
, ounsel
;".~ J().rU.. I 1998 Judgment entered by the Prothonotary this day
according to the tenor of the above statement.
, \.J:~J) R ~D"
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
YORK FEDERAL SAVINGS
AND LOAN ASSOCIATION
Plalnllff
No. 1998-706-Civll
vs.
ROBERT B. SIMMONS
CHERYL A. BENSON
Defendants
Action in Mortgage Foreclosure
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PRAECIPE FOR WRIT OF EXECUTION
P.R.C.P. 3101 to 3149
To the Prothonotary: ISSUE WRIT OF EXECUTION IN THE ABOVE MATTER,
(1) Directed to the Sheriff of Cumberland County, Pennsylvania.;
(2) against Robert B. Simmons and Cheryl A. Benson, Defendants.
(3) and index this writ
(a) against Robert B. Simmons and Cheryl A. Benson, Defendants.
as a lis pendens against the real property of the Defendants as follows:
ALL that certain tract of land with the improvements thereon erected situate in
North Newton Township, Cumberland County, Commonwealth of Pennsylvania, more
particularly bounded and described in Exhibit A, attached hereto and made a part
hereof.
(4) Amount due $146,255.40 Plus costs.
with interest from 9/3/98 at such rate or rates as established by Plaintiff pursuant to the
terms of the Adjustable Rate Note, currenlly $23.3686 per diem, late charges from
9/3/98 at 5% of the monthly payment amount, currenlly $37.73 per month, attorney's
fees, costs of suit and other charges collectible under the Mortgage; and for any and all
other relief as the Court deems appropriate.
Dated:
6,/,
, 1998
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N THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY. PENNSYLVANIA
YORK FEDERAL SAVINGS
AND LOAN ASSOCIATION
Plalnllff
No. 1998-706-Clvll
vs.
ROBERT B. SIMMONS
CHERYL A. BENSON
Defendants
Action in Mortgage Foreclosure
AFFIDA VIT PURSUANT TO RULE 3129.1
York Federal Savings and Loan Association. Plaintiff in the above action, sets forth
as of the date the praecipe for the writ of execution was filed to following information
concerning the real property located at:
1185 Greenspring Road
NeWVille,PA 17241
1.
Name and address of Owner or Reputed Owner.
Name
Address
Robert B. Simmons
1185 Greensprillg Road
Newville, PA 17241
2.
Name and address of Defendants in the Judgment:
Name
Address
Robert B. Simmons
1185 Greenspring Road
Newville, PA 17241
Cheryl A. Benson
6700 North Stevenson Street
Terre Haute. IN 47805
3. Name and address of every jUdgment creditor whose judgment is a record
lien on the real property to be sold:
Name Address (if address cannot be reasonably
ascertained. please do indicate)
Pennsylvania Power
and Light
1801 Brookwood Street
Harrisburg, PA 17105
Affidavit under PA RCP 3129.1 - Page 3
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. Sec. 4904 relating to unsworn
falsification to authorities.
Date: lD II J Cf'2
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THE NAME OF THE OWNER or REPUTED OWNER OF THIS PROPERTY IS:
ROBERT B. SIMMONS
A SCHEDULE OF DISTRIBUTION, being a list of the persons, and or
governmental or corporate entities or agencies being entitled to receive a part of the
proceeds of the sale received and to be disbursed by the Sheriff (for example to banks
that hold mortgages and municipalities that are owed taxes) will be filed by the Sheriff
within thirty (30) days after the sale and distribution of the proceeds of sale in
accordance with this schedule will, in fact, be made unless someone objects by filing
exceptions to it within ten (10) days of the date it is filed. Information about the
Schedule of Distribution may be obtained from the Sheriff of the Court of Common
Pleas of Cumberland County, Cumberland County Courthouse, South Hanover & High
Streets, Carlisle, Pennsylvania.
THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF
YOUR PROPERTY.
It has been issued because there is a judgment against you. It may cause your property
to be held to be sold or taken to pay the judgment. You may have legal rights to prevent
your property from being sold or taken to pay the judgment. A lawyer can advise you
more specifically of these rights. If you wish to exercise your rights, you must act
promptly.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR
TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN
GET FREE LEGAL ADVICE:
THE LEGAL RIGHTS YOU MAY HAVE ARE:
I. You may file a Petition with the Court of Common Pleas of Cumberland County
to open the judgment if you have a meritorious defense against the person or company
that has entered judgment against you. You may also file a petition with the same Court
if you are aware of a legal defect in the obligation or the procedure used against you.
2. After the Sheriffs sale you may file a petition with the Court of Common Pleas
of Cumberland County to set aside the sale for a grossly inadequate price or for other
proper cause. This petition must be filed before the Sheriffs Deed is delivered.
3. A petition or petitions raising the legal issues or rights mentioned in the
preceding paragraphs must be presented to the Court of Common Pleas of
Cumberland County at one of the Court's regularly scheduled Business Court sessions.
The petition must be served on the attorney for the creditor or on the creditor at least
two business days before presentation to the Court and a proposed order or rule must
be attached to the petition. If a specific return date is desired, such date must be
obtained from the County Commissioner, Cumberland County Courthouse, South
Hanover and High Streets, Carlisle, Pennsylvania 17013, before presentation of the
petition to the Court.
Dated:
~ II
.1998
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ROBERT B. SIMMONS
CHERYL A. BENSON
Defendants
Action in Mortgage Foreclosure
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
YORK FEDERAL SAVINGS
AND LOAN ASSOCIATION
Plaintiff
No. 199B-706-Clvil
vs.
ALL THOSE CERTAIN two tracts of land situate in North Newton Township,
Cumberland County, Pennsylvania, more fully bounded and described as Lots Nos. 27
and 31 on the Subdivision Plan for North Newton Manor, as prepared by Rodney Lee
Decker, R.S. dated June B, 1989 and recorded in Cumberland County Plan Book 58,
Page 109, and further bounded and described as follows:
TRACT NO. '1:
BEGINNING at a point in the northern dedicated right-of-way line of Pa. Route 641 at
the dividing line between Lots Nos. 27 and 28 on the aforementioned subdivision plan;
thence along said dividing line North 03 degrees 26 minutes 00 seconds East 399.34
feet to a point; thence along the dividing line between Lots Nos. 27 and 31 on said plan
North 26 degrees 45 minutes 15 seconds East 703.91 feet to a point; thence along
same North 58 degrees 3B minutes 20 seconds West 730.00 feet to a point; thence
along lands now or formerly of Walter Fickes North 36 degrees 42 minutes 55 seconds
East 570.00 feet to a point; thence along lands now or formerly of Stephen C. Wiser, et
ai, South 58 degrees 3B minutes 20 seconds East 659.77 feet to a pin; thence along
lands now or formerly of David K. Ankabrandt South 55 degrees 42 minutes 05
seconds East 567.24 feet to a pin; thence along the dividing line between Lots Nos. 25
and 27 on the aforementioned subdivision plan South 35 degrees 16 minutes 05
seconds West 1195.23 feet to a point; thence along the dividing line between Lots Nos.
26 and 27 on said plan North 6B degrees 14 minutes 50 seconds West 158.01 feet to a
point; thence along same South 03 degrees 26 minutes 00 seconds East 349.67 feet to
a point; thence along the northern dedicated right-of-way line of Pa. Route 641 North 86
degrees 34 minutes 05 seconds West 150.00 feet to a point, the Place of BEGINNING.
CONTAINING 21.567 acres more or less, exclusive of dedicated right-of-way.
AND BEING FURTHER DESCRIBED as Lot No. 27 on the aforementioned subdivision
plan.
EXHIBIT A
Page 1 of2
TRACT NO.2:
BEGINNING at a point in the northern dedicated right-of-way line of Pa. Route 641 at
the dividing line between Lots No. 31 and 32 on the aforementioned subdivision plan;
thence along said dividing line North 16 degrees 56 minutes 45 seconds West 615.96
feet to a point; thence along same North 68 degrees 14 minutes 50 seconds West
165.41 feet to a point; this along lands now or formerly of Walter Fickes North 36
degrees 42 minutes 55 seconds East 851.96 feet to a point; thence along the dividing
lin between Lots Nos. 27 and 31 on the aforementioned subdivision plan South 58
degrees 38 minutes 20 seconds East 730.00 feet to a point; thence along the common
boundary line between Lots Nos. 31 and Lots 28, 29 and 30 on said plan North 68
degrees 14 minutes 50 seconds West 562.42 feet; thence along the dividing line
between Lots Nos. 30 and 31 on said plan South 16 degrees 56 minutes 45 seconds
West 567.53 feet to a point; thence along the northern dedicated right-of-way of Pa.
Route 641 by a curve to the right with a radius of 1,940 feet to a distance of 150.15 feet
to a point, the Place of BEGINNING.
AND BEING FURTHER DESCRIBED as Lot No. 31 on the aforementioned subdivision
plan.
BEING the same premises which Robert B. Simmons and Cheryl A. Benson, by their
Deed dated October 12, 1990, and recorded on October 18, 1990, in the Office of the
Recorder of Deeds in and for Cumberland County, Pennsylvania, in Deed Book 34-V,
Page 254, granted and conveyed unto Robert B. Simmons, the Mortgagor herein.
BEING designated as Tax I.D. #30-08-0597-045.
SEIZED IN EXECUTION as the property of Robert B. Simmons and Cheryl A. Benson,
as Judgment No. 1998-706-Civil.
NOTICE is further given to all parties in interest and claimants. A proposed schedule of
distribution of the proceeds of the above sale will be filed by the Sheriff of Cumberland
County, Pennsylvania on October 2, 1998, and that distribution of said proceeds will be
made in accordance with said proposed schedule of distribution unless exceptions are
filed thereto within ten (10) days thereafter.
EXHIBIT A
Page 2 of 2
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STATE OF PENNSYLVANIA,
COUNTY OF CUMBERLAND
} ss.
Robert P Ziegler
~ ----------------------------------.-----------------------------------------__Recorderof
needs in and for said County and Slate do hereby certify that the Sherifrs Deed in which _______________.
York Federal Savings [, Loan ASDociation .
---------------------------.-----------------------------------.--------------.-----" thegr.lnlee
the same having been sold 10 said grantee on the __2.rul._____________________________________~--- day of
_________f!.e~.!'_e_'!!~~!_____________________ A. D., 19_'!~_____, under and by virtue of a writ______________
---------&X.<>U_I;!on------_______________________ issued on the __~~~________________________________
day of --../.anu_____n____________ A. D., 19_?~___, oul of Ihe Court of Cornman Pleas of said County as of
Civil 98
--- ------------------.--------.. ---- -- - n_ -- - ---- ---- ---_________ _______________._ Term, 19_______
Number _J.O"~_________, 81 the suil of -yp-':.~-f.!'-<!~.!".!'-L~!'.x.!.Qg.!U~_k~'!.Q_P._'!!i.9~_i..'!.~.!_.!'_'L_____________
--------------------- ----.. -- --- ---.. against.. -- -..--~~~~.:_t.._ ~__s_~~.?_~~_~__~~!.:X!_~.._~~!'_s_~~_ ___ is
duly recorded in Sherilr5 Deed Book No. __~~~_______, Page __~.?.~______.
IN TESTIMONY WHEREOF, I have hereunto
5el my hand and seal of said office this _~_(_____ day
C)v/;h<~ 9r
of -----------___________________ A. D., 19________
.-c.:<f~--.------R~-;-;r~
York Fcdcral Savings and Loan
Association
-vs-
Robcrt B. Simmons and Chcryl A. Bcnson
In thc Court ofColl1l11on Picas of
Cumbcrland County, Pcnnsylvania
No. 98-706 Civil Tcrm
Stcvc M. Whistlcr, Dcputy Shcriffwho being duly sworn according to law, says on Junc 29,
1998 at 3:00 o'clock P.M. E. D. S. T., hc postcd a copy ofRcal Estatc Writ Noticc Postcr and
Description on the propcrty of Robcrt B. Simmons and Chcryl Bcnson locatcd at 1185
Grccnspring Road, Newville, Cumbcrland County, Pcnnsylvania according to law.
Brian M, Barrick, Deputy ShcrilTwho being duly sworn according to law, says on July 8,
1998 at 2: 16 o'clock P.M. E. D. S. T., hc served a true copy of real Estate Writ Notice Poster and
Dcscription in the above cntitlcd action upon one of the within named defcndants to wit: Robert
B. Simmons by handing to Diana Nantz Daughter at 1185 Grcenspring Road, Newville,
Cumberland County, Pennsylvania, its contents and at the same time handing to her personally
the said true and attested copies of the same.
R. Thomas Kline, Sheriff, who being duly sworn according to law, says he served the within
Real Estate Writ Notice Poster and Description in the following manncr: Thc SherilTmailed a
notice of the pendency of the action to one of the within named defendants to wit: Cheryl Benson
by Certified Mail Return receipt requested Rcstricted Delivery Deliver To Addressee Only to her
last known address 6700 N. Stevenson Street, Terre Haute In. This letter was mailed under the
date of June 25, 1998 and returned to the SheriIT's Office On July 22, 1998 with reason checked
Unclaimed.
R. Thomas Kline, Sheri IT, who being duly sworn according to law, says he served the within
Real Estate Writ Notice Poster and Description in the following manner: Thc Sheriff mailed a
notice of the pendency of the action to one of the within named defendants to wit: Robert B.
Simmons by rcgular mail to his last known address 1185 Greenspring Road, Newville,
Pennsylvania. This letter was mailed under the date of July 27, 1998 and never returned to the
SheriIT's Office.
R. Thomas Kline, Sheriff, who being duly sworn according to law, says he servcd the within
Real Estate Writ Notice Poster and Description in the following manner: The Sheriff mailed as
notice ofthc pendency of the action to one of the within named defendants to wit" Cheryl
Benson by regular mail to hcr last known addrcss 6700 N Stevenson Street, Terre Haute, IN.
This letter was mailcd under the date of July 27, 1998 and never returned to the SheriIT's Office.
R Thomas Kline, Sheriff, who being duly sworn according to law, says that after due and
legal notice had been given according to law, exposed the within described premises at public
venue or outcry at Court House, Carlisle, Cumberland County, Pennsylvania on September 2,
1998 at 10:00 o'clock A.M. E. D. S. T., and sold the same for the sum of$ 11.00 to Attorney
Benjamin F. Riggs, Jr. for York Fedcral Savings and Loan Association, Its successors and
assigns. It being the highest bid and best price received for thc same. York Fcderal Savings and
Loan Association, 101 South George Street, York, Pennsylvania being the buyer in this
Execution paid to SherilTR. Thomas Kline, thc sum of$ 1,478.72 it being SheriIT's Costs.
SheriIT's Costs:
Docketing
Posting Bills
30.00
15.00
Poundage
Advertising
Acknowledging Dccd
Auctionecr
Law Library
County
Mileage
Ccrtificd Mail
Levy
Surcharge
Legal Search
Law Journal
Patriot News
Share of Bills
Sheriffs Deed
Distribution of Proceeds
.22
15.00
30.00
10.00
.50
1.00
9.30
9.74
15.00
18.00
200.00
575.00
470.55
27.91
26.50
25.00
$1,478.72 pd by Atty. 10-13-98
Sworn and Subscribed To Beforc Me
This ;J.(.!:-' Day of On;:/.,. .
1998,A.rIl...., /) In.d~~''
-~notary
SOAns~,.."..,<:~
R~as Kline, SherIff
BY4i~u 4-k44
Real Estate Dcputy
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TITLE REPORT
Commonwealth Land Title Insurance Company
THE PREMISES ENDORSED HEREON ARE SUBJECT TO THE FOLLOWING
ITEMS, WHICH WILL BE EXCEPTED IN THE POLICY UNLESS SATISFACTORY
EVIDENCE PERMITTING THEIR REMOVAL IS PRODUCED.
SHERIFF SALE NO. 018
Held Wednesday, September 9, 1998
Date: September II, 1998
TAXES: Rcccipts for alltaxcs for lhc ycars 1992 through 1997 inclusivc. Taxcs for lhc currcnt
ycar 1998.
WATER RENT: Company assumcs no Iiabilily for privatc supply or watcr or scwcr,
SEWER RENT Rcccipts to bc produccd if scrviccs arc Iicnablc.
MECHANICS' AND Possiblc unfilcd Mcchanics Licns nnd Municipal Claims.
MUNICIPAL CLAIMS
MORTGAGES: Listcd Undcr Othcr Exccptions Bclow.
JUDGMENTS: Li~ted Undcr Other Exccptions Below.
INSTRUMENTS TO BE PRODUCED: Dccd from Cumberland County Sheriff to
datcd , 1998, and recordcd
, 1998, in Cumberland County Deed Book , Pagc
RECITAL: Being all of Tract No. I which Robert B. Simmons and Cheryl A. Benson, husband
and wife, by Deed dated October 12, 1990 and rccorded October 18, 1990 in the Officc of thc
Recorder of Deeds in and for Cumberland County at Carlislc, Pcnnsylvania, in Dced Book "V",
Volume 34, Page 254, granled ~nd convcycd to Robcrt B. Simmons.
OTHER EXCEPTIONS:
I. The idenlity and legal competcncy of parties at the closing of this title should be
established to thc satisfaction of lhe closing attorncy acting for this Company.
2. Rights or claims of parties in possession, if any, othcr than the owner.
3. Unrecorded easements, discrepancies or conflicts in boundary lines, shortage in area
and encroachmcnts which an accuratc and complete survey would disclosc.
4. Payment of Statc and local Rcal Estate Transfer Taxes, if requircd.
5. Condilions and restrictions as shown on Plan of North Ncwton Manor recorded in
Plan Book 58, Page 109 and Plan of North Newton Manor recorded in Plan Book 59,
Page 95.
6. Conditions and restric.tions as set forth in Instrumenl Rccordcd in Decd Book "G"
Volume 34, Page I.
7. Restrictions rccorded in Miscellaneous Record Book 371, Page 281.
8. Rights granted 10 Westcrn Union Telegraph Company by instrument recorded
in Miscellancous Record Book 60, Page 57.
9. Rights grantcd to American Tclcgraph and Tclcphonc Company by instrumcnt recorded
in Miscellancous Record Book 60, Pagc 598.
10. Rights grantcd to Unilcd Tclephone Company of Pennsylvania by instrumcnt recordcd
in Miscellancous Record Book 125, Pagc 549.
II. Public and privatc rights in thc roadbcd of Pcnnsylvania Route No. 641.
12. Satisfactory evidence to be produccd lhat proper notice was given to the holdcrs or all
liens and encumbrances inlended to be divestcd by subjecl Sheriff Sale.
,. .
13. An adverse conveyance was made to Harmon Graves Company, et aI., by instrument
datcd February 15, 1990 and recorded in Cumberland County Deed Book "L", Volume
\
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34, Pugc 465, which convcyuncc was notcd us bcing cxccptcd I'rom thc rcal cstatc
dcscribed in Dccd rccordcd in Dccd Book "V", Volumc 34, Pugc 254.
14. Mortgagc givcn by Robcrt B. Simmons and Chcryl A. Bcnson to York Fcdcral Savings
and Loun Associution datcd Oclllbcr 26, 1989, and rccordcd Octobcr 26, 1989 in
Mortgagc Book 956, Pugc 1039, in lhc amount of $100,000.00 purportcd 10
Mortgagc Lots No. 26 and 31 ,bUl Lot No. 31 wns prcviously convcycd as notcd in Itcm
No. 13 abovc.
Complaint in Mortgagc Forcclosure filcd Fcbruary 5. 1998 10 No. 1998-00706 in I'nvor
of York Fcdcrul Savings and Loan Associution nnd aguinst Robcrt B. Simmons and
Chcryl A. Bcnson. Dcfaultjudgmcnt was filcd on April 12, 1998 il1thc amount or
$146,255.40 with Writ of Exccution thcrcon issucd Junc 4,1998.
15. Mortgagc givcn by Robert B. Simmons 10 Thc Hcrshcy Bank datcd Novcmbcr 10,
1990 and recordcd Novcmbcr 27, 1990 in Mortgagc Book 997, PlIgc 566 in thc
amounl of $66,000.00, which mortgagc to Thc Hcrshcy Bank purports to covcr Lots 27
and 31.
16. Deed recordcd in Dccd Book "L", Volumc 34, Pagc 465, which is Lot No. 31 as shown
on Plan recorded in Plan Book 59, Pagc 95 is cxcepted from Deed recordcd in Dccd
Book "V", Volume 34, Pagc 254, but the noticc of Shcriff Salc, a copy of which is
rcproduced hcrcon, fails to cxcepl the premises convcycd by Dced recordcd in Dccd
Book "L", Volumc 34, Page 465. Satisfactory cvidence should bc produccd to
establish that this failure to correctly describe has no advcrsc impact on thc validity
of the subjcct Sheriff Sale.
17. The premiscs in thc Title to Robert B. Simmons is notcd on the Plan recordcd in Plan
Book 59, Page 95, as Lot 31 A, and on thc Plan recordcd in Plan Book 58, Pagc 109, as
Lot No. 27.
18. Real estate tuxcs accruing on and aftcr January I, 1999, not yet duc and pllyable.
20. IT IS TO BE NOTED THAT NO SEARCH OF DOMESTIC RELATIONS RECORDS
HAVE BEEN MADE TO DETERMINE SUPPORT ARREARAGES REGARDING
HOUSE BILL 1412, ACT 58 OF 1997, NOR HAS ANY SEARCH BEEN MADE
FOR ENVIRONMENTAL LIENS IN FEDERAL DISTRICT COURT.
~~J1
Robcrt G. Frcy, Agcnt
Note: This Title Repon shall nol he valid or bi ing
un Ii! eounlersigned by ao authorized signat
Company will issue ils current A.L.T.A. Policy of Tille Insurance
with respect 10 the premises endorsed hereon. upon scltlcmcnt of the
lransaclion. recordation of the Instruments and compliance with all of
the requirements set Corth herein. in conformity with Ihis Title Report.
ASSESSMENT:
30-08-0597-045
$11,000.00 Imp.
$3034 Land
$14.190 Total
.,
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
YORK FEDERAL SAVINGS
AND LOAN ASSOCIATION
Plaintiff
No, 1998-70B-Civil
vs.
ROBERT B. SIMMONS
CHERYL A. BENSON
Defendants
Action in Mortgage Foreclosure
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
PURSUANT TO PENNSYLVANIA RULES OF CIVIL PROCEDURE 3129.2
TO: Cheryl A. Benson
B700 North Stevenson Street
Terre Haute, IN 47805
TAKE NOTICE:
That the Sheriffs Sale of Property (real estate) will be held on September 2,
1998 in the COMMISSIONERS HEARING ROOM, Cumberland County Courthouse,
South Hanover & High Streets, Carlisle, Pennsylvania 17013 at 10:00 o'clock p.m.
prevailing time.
THE PROPERTY TO BE SOLD is delineated in detail in a legal description
mainly consisting of a statement of the measured boundaries of the property, together
with a brief mention of the building and any other improvements erected on the land.
(SEE DESCRIPTION ATTACHED)
THE LOCATION of your property to be sold is:
1185 Greenspring Road
Newville, PA 17241
,
THE JUDGMENT under or pursuant to which your property is being sold is
docketed to 1998-70B-Civil.
i
THE NAME OF THE OWNER or REPUTED OWNER OF THIS PROPERTY IS:
ROBERT B. SIMMONS
A SCHEDULE OF DISTRIBUTION, being a list of the persons, and or
governmental or corporate entities or agencies being entitled to receive a part of the
proceeds of the sale received and to be disbursed by the Sheriff (for example to banks
that hold mortgages and municipalities that are owed taxes) will be filed by the Sheriff
within thirty (30) days after the sale and distribution of the proceeds of sale in
accordance with this schedule will, in fact, be made unless someone objects by filing
exceptions to it within ten (10) days of the date It is filed. Information about the Schedule
of Distribution may be obtained from the Sheriff of the Court of Common Pleas of
Cumberland County, Cumberland County Courthouse, South Hanover & High Streets,
Carlisle, Pennsylvania.
THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF
YOUR PROPERTY.
It has been issued because there is a judgment against you. It may cause your property
to be held to be sold or taken to pay the judgment. You may have legal rights to prevent
your property from being sold or taken to pay the judgment. A lawyer can advise you
more specifically of these rights. If you wish to exercise your rights, you must act
promptly.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR
TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN
GET FREE LEGAL ADVICE:
THE LEGAL RIGHTS YOU MAY HAVE ARE:
I. You may file a Petition with the Court of Common Pleas of Cumberland County
to open the judgment if you have a meritorious defense against the person or company
that has entered judgment against you. You may also file a petition with the same Court
if you are aware of a legal defect in the obligation or the procedure used against you.
2. After the Sheriff's sale you may file a petition with the Court of Common Pleas
of Cumberland County to set aside the sale for a grossly inadequate price or for other
proper cause. This petition must be filed before the Sheriff's Deed is delivered.
',l
,
3. A petition or petitions raising the legal issues or rights mentioned in the
preceding paragraphs must be presented to the Court of Common Pleas of
Cumberland County at one of the Court's regularly scheduled Business Court sessions.
The petition must be served on the attorney for the creditor or on the creditor at least
two business days before presentation to the Court and a proposed order or rule must
be attached to the petition. If a specific return date is desired, such date must be
obtained from the County Commissioner, Cumberland County Courthouse, South
Hanover and High Streets, Carlisle, Pennsylvania 17013, before presentation of the
petition to the Court.
,"
Benjami F. Ri s. Jr.
Attorney for the Plaintiff
(J.D. #72030)
Dated:
~/ I
.1998
THE NAME OF THE OWNER or REPUTED OWNER OF THIS PROPERTY IS:
ROBERT B. SIMMONS
A SCHEDULE OF DISTRIBUTION, being a list of the persons, and or
governmental or corporate entities or agencies being entitled to receive a part of the
proceeds of the sale received and to be disbursed by the Sheriff (for example to banks
that hold mortgages and municipalities that are owed taxes) will be filed by the Sheriff
within thirty (30) days after the sale and distribution of the proceeds of sale In
accordance with this schedule will, in fact, be made unless someone objects by filing
exceptions to it within ten (10) days of the date it is filed. Information about the
Schedule of Distribution may be obtained from the Sheriff of the Court of Common
Pleas of Cumberland County, Cumberland County Courthouse, South Hanover & High
Streets, Carlisle, Pennsylvania.
THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF
YOUR PROPERTY.
It has been issued because there is a judgment against you. It may cause your property
to be held to be sold or taken to pay the judgment. You may have legal rights to prevent
your property from being sold or taken to pay the judgment. A lawyer can advise you
more specifically of these rights. If you wish to exercise your rights, you must act
promptly.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR
TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN
GET FREE LEGAL ADVICE:
THE LEGAL RIGHTS YOU MAY HAVE ARE:
I. You may file a Petition with the Court of Common Pleas of Cumberland County
to open the judgment if you have a meritorious defense against the person or company
that has entered judgment against you. You may also file a petition with the same Court
if you are aware of a legal defect in the obligation or the procedure used against you.
2. After the Sheriff's sale you may file a petition with the Court of Common Pleas
of Cumberland County to set aside the sale for a grossly inadequate price or for other
proper cause. This petition must be filed before the Sheriff's Deed is delivered.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
YORK FEDERAL SAVINGS
AND LOAN ASSOCIATION
Plaintiff
No. 1998-706-Clvil
vs.
ROBERT B. SIMMONS
CHERYL A. BENSON
Defendants
Action in Mortgage Foreclosure
ALL THOSE CERTAIN two tracts of land situate in North Newton Township,
Cumberland County, Pennsylvania, more fully bounded and described as Lots Nos. 27
and 31 on the Subdivision Plan for North Newton Manor, as prepared by Rodney Lee
Decker, R.S. dated June 8, 1989 and recorded in Cumberland County Plan Book 58,
Page 109, and further bounded and described as follows:
TRACT NO.1:
BEGINNING at a point in the northern dedicated right-of-way line of Pa. Route 641 at
the dividing line between Lots Nos. 27 and 28 on the aforementioned subdivision plan;
thence along said dividing line North 03 degrees 26 minutes 00 seconds East 399.34
feet to a point; thence along the dividing line between Lots Nos. 27 and 31 on said plan
North 26 degrees 45 minutes 15 seconds East 703.91 feet to a point; thence along
same North 58 degrees 38 minutes 20 seconds West 730.00 feet to a point; thence
along lands now or formerly of Walter Fickes North 36 degrees 42 minutes 55 seconds
East 570.00 feet to a point; thence along lands now or formerly of Stephen C. Wiser, et
ai, South 58 degrees 38 minutes 20 seconds East 659.77 feet to a pin; thence along
lands now or formerly of David K. Ankabrandt South 55 degrees 42 minutes 05
seconds East 567.24 feet to a pin; thence along the dividing line between Lots Nos. 25
and 27 on the aforementioned subdivision plan South 35 degrees 16 minutes 05
seconds West 1195.23 feet to a point; thence along the dividing line between Lots Nos.
26 and 27 on said plan North 68 degrees 14 minutes 50 seconds West 158.01 feet to a
point; thence along same South 03 degrees 26 minutes 00 seconds East 349.67 feet to
a point; thence along the northern dedicated right-of-way line of Pa. Route 641 North 86
degrees 34 minutes 05 seconds West 150.00 feet to a point, the Place of BEGINNING.
CONTAINING 21.567 acres more or less, exclusive of dedicated right-of-way.
AND BEING FURTHER DESCRIBED as Lot No. 27 on the aforementioned subdivision
plan.
EXHIBIT A
Page 1 of 2
TRACT NO, 2:
BEGINNING at a point in the northern dedicated right-of-way line of Pa. Route 641 at
the dividing line between Lots No. 31 and 32 on the aforementioned subdivision plan;
thence along said dividing line North 16 degrees 56 minutes 45 seconds West 615.96
feet to a point; thence along same North 68 degrees 14 minutes 50 seconds West
165.41 feet to a point; this along lands now or formerly of Walter Fickes North 36
degrees 42 minutes 55 seconds East 851.96 feet to a point; thence along the dividing
lin between Lots Nos. 27 and 31 on the aforementioned subdivision plan South 58
degrees 38 minutes 20 seconds East 730.00 feet to a point; thence along the common
boundary line between Lots Nos. 31 and Lots 28, 29 and 30 on said plan North 68
degrees 14 minutes 50 seconds West 562.42 feet; thence along the dividing line
between Lots Nos. 30 and 31 on said plan South 16 degrees 56 minutes 45 seconds
West 567.53 feet to a point; thence along the northern dedicated right-of-way of Pa.
Route 641 by a curve to the right with a radius of 1,940 feet to a distance of 150.15 feet
to a point, the Place of BEGINNING.
AND BEING FURTHER DESCRIBED as Lot No. 31 on the aforementioned subdivision
plan.
BEING the same premises which Robert B. Simmons and Cheryl A. Benson, by their
Deed dated October 12, 1990, and recorded on October 18, 1990, in the Office of the
Recorder of Deeds in and for Cumberland County, Pennsylvania, in Deed Book 34-V,
Page 254, granted and conveyed unto Robert B. Simmons, the Mortgagor herein.
BEING designated as Tax I.D. #30-08-0597-045.
SEIZED IN EXECUTION as the property of Robert B. Simmons and Cheryl A. Benson,
as Judgment No. 1998-706-Civil.
NOTICE is further given to all parties in interest and claimants. A proposed schedule of
distribution of the proceeds of the above sale will be filed by the Sheriff of Cumberland
County, Pennsylvania on October 2, 1998, and that distribution of said proceeds will be
made in accordance with said proposed schedule of distribution unless exceptions are
filed thereto within ten (10) days thereafter.
.
r,
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EXHIBIT A
Page 2 of2
, ,
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,
N THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
YORK FEDERAL SAVINGS
AND LOAN ASSOCIATION
Plaintiff
No. 1998-706-Civll
vs.
ROBERT B. SIMMONS
CHERYL A. BENSON
Defendants
Action in Mortgage Foreclosure
AFFIDAVIT PURSUANT TO RULE 3129.1
York Federal Savings and Loan Association, Plaintiff in the above action, sets forth
as of the date the praecipe for the writ of execution was filed to following information
concerning the real property located at:
1185 Greenspring Road
Newville, PA 17241
1.
Name and address of Owner or Reputed Owner.
Name
Address
Robert B. Simmons
1185 Greenspring Road
Newville, PA 17241
2.
Name and address of Defendants in the Judgment:
Name
Address
Robert B. Simmons
1185 Greenspring Road
Newville, PA 17241
Cheryl A. Benson
6700 North Stevenson Street
Terre Haute, IN 47805
3. Name and address of every judgment creditor whose judgment Is a record
lien on the real property to be sold:
Name Address (if address cannot be reasonably
ascertained, crease do indicate)
Pennsylvania Power
and Light
1801 Brookwood Street
Harrisburg, PA 17105
I
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WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
TO THE SHERIFF OF Cumberland
NO. 98-706 CIVIL lSCTerm
CIVIL ACTION. LAW
COUNTY:
To satisfy the debt, Interest and costs due York Federal SavinQs I\nd Loan Association
PLAINTIFF(S)
from Robert 8. Simnons and Cheryl A. Benson
DEFENDANT(S)
(1) You are directed to levy upon the property of the defendant(s) and to sell please see legal description
(2) You are also directed to allach the property of the defendant(s) not levied upon In the possession of
GARNISHEE(S) as follows:
and to notify the garnishee(s) that: (a) an attachment has been issued: (b) the garnishee(s) Is/are enjoined from paying any
debt to or for the account of the defendant(s) and from delivering any property of the defendant(s) or otherwise disposing
thereof:
(3) If property ofthe defendant(s) not levied upon an subjeclto allachment is found in the possession of anyone other
than a named garnishee. you are directed to nolily him/her that he/she has been added as a garnishee and Is enjoined as above
stated.
Amount Due $146.255.40
Interest
AllY's Comm
Ally Paid $122.74
Plaintiff Paid
%
L.L. $.50
Due Prothy $1. 00
Other Costs
Date: June 4th, 1998
by:
REQUESTING PARTY:
DOPUly
Name 8en;amin F. RiQQs, Jr.
Address: 101 s. C'.eorge street
R1 Rl1X l'lOfiA. York. PA 17405-7068
Allorney for: Plaintiff
Telephone: 717-846-8777
Supreme Court 10 No. 72030
.
REAL ESTATE SALE NO,/~
l.lQ ~ ..5~ /91 ~ tl:1e sheriff levied upon the deicnrJ,:':li.,
lmamt In the real property situated In ~~u;P
Cumberland County, Pa., known and numbored as: JL&.:S.dU.-"2~7 t..-ut...
.1Il.ll.J)~ ana mort) flllly df:scribad Gn Exilibil ";.\" fi:,,;J \':.';
this writ and by this rarersnce incorporaliJd herein.
Gate: 9(~--M-. S' /C)9r BY:~r4.(-L~g
, ff rJ- f /"1 -:L"
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REAL ESTATE SALE i\0
SI,OOO.OOAd\'anceCostsPaid 6-5-98 Arty. Benjamin J. Riggs Jr.
Assessed Valuation S 14190.00
\VRITi\O. 98-706 Civil Term
York Federal Savings and Loan Association
VS
Robert B. Simmons and
1185 Greenspring Road
Newville, PA
Cheryl Benson
REAL DEBT
f.\TEREST
A TT'S FEES
\\"RIT COSTS A TTY
ESCRO\V
LATE CHARGE
SHERiFF'S COSTS
Docke:ing
Poundage
Posting Bills
Ad \'e:!ising
Acknowledging Ded
...1.uction~~:
Law Library
Count::
1>.li1ea!Ze
Ce:! :-'bil
Levy
POstpone Sale
Surch~rge
146,255.40
122.74
30.00
.22
15.00
15.00
30.00
10.00
.50
1. 00
9.30
9.74
15.00
18.00
L.,,,' "."r'~
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.-\D\'E?-T1SrXG:
La'.\' Journal
Patriot
Share of Bills
Distribu[ion of Proceeds
Shc:'iff 5 Deeds
STA:>.rpS
Pa. T :~ns feo: T.:l:\
Twp or Boro Transfer Tax
TAXES
County Township
School
200.00
575.00
470.55
27.91
25.00
26.50
459.05
1,675.70
8,330.24
Tax Claim Bureau
C;~L1
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INCHU Rl'ull Ul'rHH1. l'huM" 2:13."::!QlI
DAn.Y IPH flICK.UJI' At"cuunllng Otpt, ml!e pn triat 2SS."237
1
2 ml!e tuening ;XrUHi
3 s.u nLH. B tJu tri a t.N eLUS
4 /II 3p,l r.o. BOX 2265I1ARRISBIJRG. rA. 17105 PIIONE (717) 255.81011
5 Complete Coverage or Pennsyl\'anla's Third Largesl
6 and Most Prolllable Markel
7 CUMB020 IN- -/It,r; 1998
8 CUMBERLAND CO SHERIFFS OFFICE
9 COURT HOUSE
10 . CARLISLE, PA 17013
11 ) .JjJ/;J-
12 ~ IHCHI!SO DAILY RATE 41.9 dS"
13 10-fi.!l.. PEA 'HeH
NOTARY LESS FPD OAIL y 1 50
14
15 J NET DAILY > 4 ''111 J(S
PICK.UP RAre:
16 _ I"(MESQ _ PEAINeH
17
18 'PH RATE
_INCHI!.SQ _ PEA I"CH
19
LESS FPD SUNDAY
20 I >
NETSP"
21
22
23 SALE NO. Ii'
24
METRO WEST
25
26
27
28 PI-o/'J.t
29 DUPLlCA TE
30
31
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THE PATRIOT NEWS
THE SUNDAY PATRIOT NEWS
Proof of Publication
Under net No.587. Rooroued MaU 16. 1929
Commonweelth of Pennsylvania, County of Dsuphln} 88
M/chilefMorrow being duly sworn occording to low, deposes and says:
That he Is the Assistant Controller of THE PATRIOT.NEWS CO., a corporallon organized and exlsllng under the laws
of the Commonwealth of Pennsylvania, with Its principal office and place of business at 812 to 818 Market Street, In
the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of THE PATRIOT.NEWS and
THE SUNDAY PATRIOT-NEWS newspapers of general clrculallon, printed and published at 812 to 818 Market Street,
In the City, County and State aforesaid; that THE PATRIOT.NEWS and THE SUNDAY PATRIOT.NEWS were established
March 4th, 1854, and September 18th, 1949, respecllvely, and all have been conllnuously published ever since;
That the printed notice or publication which Is securely attached horeto Is exactly as printed and published In
their regular dally and/or Sunday and Metro edlllons/lssues which appeared on the 28th day of July and the 4th and
11th day(s) of August 1998. That neither he nor said Company Is Interested In the subject matter of said printed
notice or advertising, and that all of the allegallons of this statem&nt as to the lime, place and character of
publlcallon are true; and
That he has personal knowledge of the facts aforesaid and Is duly authorized and empowered to verily this
statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolullon unanimously passed and
adopted severally by the stockholders and board of directors 0 the said Company and subsequently duly recorded In
the office for the Recording of Deeds In and for said County of 0 p In In ~Iscellaneous Book 'M",
vO;::~~'::~I~~ .'~
COpy Sworn to and subscribed befo '
SALE #18 .w"""-
'''''':'''~.:lI.'''''''''''~'''-'''''''-:--- - -..a._
A. . ftAL'ESTA1E SALI! No:l11,:,;,.
<:\,WIll.No.l9911~7,~ ....'
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'. -y~FedeIat~.;
'::i<.~.:~.~.::~~,. ',; . ::\.~,',.;':
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1::':;:"~-\;~::.'ChefyI. 1enIOn"~~~.~~;'
'."'Atty:. .Ben F.RtggI.. ".--c'"
I!~~~' A1~J'~ T~~i~'
. 8nmb erland. ',.county;. pennsR1 (1nlo.
\ more 'fUllY bOUnded aOO deSC' as
Lots Nos. 27'ond,3Lon 1119 su~ '
. P\Qn\ fnf ' North'Nowlon Manor....... . .
\'P.o!e(f'fu"~~~'~=~lIn
"i:lat~ ..__... r._.....6.;. 01,...... D.^':"lt~'AA~.."
-.....-.~".~.~_.,._..._,. "...".....-. ,,-. .., ....._-, .>^'-' ... ....
t 1998 A.D.
CUMBERLAND COUN1Y SHERIFFS OFFICE
COURTHOUSE
CARLISLE, PA. 17013
Statement of Advertisina Costs
To THE PATRIOT-NEWS CO., Dr.
For publishing the notice or publication allached
hereto on the above stated dates
Probating same Notary Fee(s)
Total
$
$
$
469.05
1.50
470.55
Publisher's Receipt for Advertising Cost
THE PATRIOT-NEWS CO., publisher of THE PATRIOT-NEWS and THE SUNDAY PATRIOT-NEWS, newspapers of general
circulation, hereby acknowledge receipt of the aforesaid notice and publication costs and certifies that the same have
been duly paid. THE PATRIOT-NEWS CO.
By..................................,.................................
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I'IWOF OF I'UBI.ICATION OF NOTICE
IN CUI\InEIU,ANf) LA W .JOURNAL
(Undcr Acl No. 587, npprovcd Mny Iii, 1929),1',1..1784
STATE OF PENNSYLVANIA :
SS.
COUNTY Oil CUI\IIJEIU.ANf) :
ROIlCI' M.l\lorllcllthnl, ESllulrc, Editor ol'thc CUlllhcrlnl1l1 Lnw Journnl, lll'lhc County
nl1l! Stlltc aforcsllid, bcing duly sworn, nccording to law, dCPOSCS nnd says thlllthc Cumbcrlnnd
Law Journal, n Icgnl pcriodiclll publishcd inthc Borough ofCnrlislc inthc County lInd Slntc
aforcsaid, was cstablished JlInuary 2, 1952, lInd dcsignlltcd by thc local courts as thc officinllcglll
pcriodical for thc publicalion oflllllcgalnoticcs, and has, sincc Jnnuary 2, 1952, becn rcgularly
issucd wcckly in thc said County, and thatthc printcd noticc or publication allllchcd hcrcto is
cxaclly thc samc as was printcd in thc rcgular cditions and issucs of thc said Cumberland Law
Journal on thc following datcs,
viz:
JULY 17.24.31. 1998
Affiant furthcr dcposcs that hc is authorizcd to vcrify this statcmcnt by thc Cumbcrland
Law Journal, a legal pcriodical of gcm:ral circulation, and tllllt hc is not intcrestcd in the subject
matter ofthe aforcsaid notice or advertisemcnt, and that all allcgations in thc foregoing
statements as to timc, place and charactcr of publication arc truc.
REAL ESTATE SALE NO. 18
Writ No. 1998.706 Clvtl
York Federal Savtngs and
Loan AssoclnUon
vs.
Robert B. Simmons nnd
Cheryl A. Benson
Ally.: Benjamin F. RIggs, Jr.
EXHIBIT A
, ALL TIlOSE CERTAIN two tracts
'of land situate In North Newton
iTownshlp, Cumberland County.
: Pennsylvania, more fully bounded
: nnd described as Lots Nos. 27 and 31
: on the Subdlvtslon Plan for North
, Newton Manor. as prepared by Rod.
ney Lee Decker. R.S. dated June 8.
, 1989 nnd recorded In Cumberland
County Plan Book 58. Page 109. and
further bounded nnd described 05
foUows:
TRACTNO. I:
i BEGINNING at a point In the
, northern dedicated rlght.of-way Une
1 of Po. Route 641 at the dlvtdlng Une
I between Lolli Nos. 27 and 28 on the
! aforementioned subdivision plan:
, thence along sold dlvtdlng Une North
03 degrees 26 minutes 00 seconds
East 399.34 feet to a point; thence
along the dividing Une between Lots
Nos. 27 and 31 on said plan North 26
degrees 45 mlnutes 15 seconds Enst
703.91 fect to a point, thence along
same North 58 degrees 38 minutes
20 seconds West 730.00 feet to a point:
thence along lands noW or Connerly
of Walter Fickes North 36 degrees 42
minutes 55 seconds Enst 570.00 feet
to n lIotnt: thence atOl~~ I:~~ds 1lI~\~.~r
CTf)?/!/l
Roger M. Morgcnthal, Editor
......
SWORN TO AND SUBSCRIBED before mc this
31 dayof JULY. 1998
.d~_J L Lj~.-v'
_ Nota ~
NOTARIAL se.....
100S E. SNYl>ER, Notary Mile
Corlld. Boro. Cumberland County. Pit
My Commlulon upiro. Mar<h S. 2001
; '; "
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WtiLl ami l~I.;Ulli~lI III Cunil)l'rluj,1l1
County Plan nook 5A. PI1!!(' lon, nml
further bounded nnd dcscrlbed as
follows:
TRACT NO. I:
OEO.NNING Ilt n point In the
norlhern decilcnted rlahl'or-wnV line
of Pn. Hnule n.. I nt Ihe dlvlcllu~ lInr.
hetw('t'11 J.utH Nus. 27 ollll 2" un IIw
n(nrcllu'llllulll'd HlIlull\'IHlulI 1'11111:
1I1l'IH'C nlllllJ! ~lIlld c11\'1t11l1J! IIIII! NlIrlh
n:1 1I('J!I'l.(.tl ~1I 1Il11l1lh's 00 HI'I'UlUls
1~IlSI all!),:'" "'<<'1 In II 1101111: 111('111'1'
nlullgllw t11\.1t1l1lJ! litH! hI'lW('(!III,IlIH
NIl~. 'J.-/lllul :111111 Mid 1111111 NUllh:.!li
(lq.ln~('H ,1ft 1I111l1lh!H I fI tH'('IIIlIIH 1~IlHI
70:I,U I h'(!1 lUll plllnl: 1I11~IWI! nlllllg
NilllW NIIllh liH "I'nll'l~tl aH tIlllllllc~H
'J.ll~I'I'UIHIH \\'I'HI '/:m.tHJ kl'llu.1 )1111111;
IIWIll'l: nl(lIl,t Illlllhi Illl\\' Ill' hllllU!lh'
(II WIIIII~I Fldu:H NllIlh :JlIlh'.tIITH .12
IUltlllh:tt lift ~rt'IIIUI~ 1~lIl.IIWO.110 It'd
'U U pUlu': tht!IlCC ulonl( 111m's nuw ur
funnedy uf Slephen C. Wiser cl nl..
Snu' h 58 (h~"rCCR aSmlnll'cs 20 8et~"
muls l~n8' UfiU.77 rt~ct Inn Illn: 'hcl1l:t~
Uhlll" Inl1lls nuW urfnnncl'ly or Unvhl
K. Allkllhnllllll !llllllh 66I1e~,.ce" ,12
mlnuh!8 Of1 8Ct~nlllltl ~:ntl' 6U7 .~H feet
'" II pin; "1I~m:c nlnnd the lllvlclln"
Ilnl~ hdwccn l.u'tI NUR. ~m nlll127 nil
Ihe IIfIll'CIIU:ntIIlIlClllUlhlllvIHIIlII plan
8""Ih an Ilc"rrl:H 1Il minuteR nli HCI:'
lIIultl Wt:HI 'IUIi.:l:J rcd tn n I'nlnl:
IhclU:c 1I111n" Ihc Illvlllln" 11m: 111:-
twcen IAII" Nus. :In lUul :17 un Hllh'
'linn NIIII h m~ IIqVCCH 1.lmll1l1lcK fill
ttCI:CUllh, Wettl l!iR.n 1 reel In n lIulnl:
Ihence Uhlll" "lIIl1e BUlllh OJ dc"rcctt
~u mlnulcs no ttc(:ul1ds ~lUil a.\\).li1
reel In I' Imlnt: !llenee nlnn" tile !lUII)I-
el"l1 ,lcl'h:nh:lIl"l~hl-of,wllY 1I11c ur PH,
HU\lle IHI Nurlh tiU dC"I'eeK a-I 11I111.
utCK 115 8CI:IIIUlK Wesl I filUIO reet III
n polnl. Ihe 1'11II:c uf UEGINNING.
CONTAININO 21.5U7 nc:rCH more
or leHfi. exc:tutilve or dClllelllctl rl"hl-
IIr-wny.
AND lJEING FlIllTIIEIl DE.
SCHlUED ns I.ot No. 27 on the nfure'
mentioned 5uh<llvlslon plnn.
TIlACT NO.2:
lJEGlNNING lit II point tn the
norlhern delllcnted righi-of-way line
of Pa. HIUlIC 6-11 Ilt the dlvhllng \tile
hetween Lots No. 31 and 32 un the
aforementloncd suhdivlslon plan:
thence along sale I dividing line North
16 degrees 56 mlnules 45 scconds
I
I
1; Wcst 615,96 fect 10 a point: thence
nlongsumc North 68 dcgrecsl4 min.
ulcs 50 secontls West 165.41 fect to
~ a point: Ihls along lands noW or ror-
1 l11erly of Wnlter Fickes North 36 dc-
\' grces 42 minutes 56 seconds East
851.96 fcet to Ii 1I01nt: thence nlong
Ihe dividing line hetwccn Lots Nos.
1 27 ;:Inti 31 011 the aforcmcntloned
I suhdlvlslon plnu Soulh 58 dcgrces
38 mlnutcs 20 scconds East 730,00
!
1 feet to a point: thcncc along the com-
I mon h01UlIlary IInc hclween I.uts
Nus, 31 nncl 1.015 28. 29 U1ul 30 on
sulci plan North 68 degrees J4 min-
utes 50 seconds Wcst 562.,12 feet;
thence ulong Ihe dividing line be-
tween Lots Nus, 30 and 31 on ~mlll
plan South 16 degrees 56 minutes ,15
scconds West 567,53 reel to a point;
thcncc along the northcrn dedicatcd
rlghl-of-way of Pa. Route 641 by a
curve to the rlghl with a rnlllus or
1.940 feel 10 a distance of 150, 1 5 reel
to a polnl. the Piace of BEGINNING.
AND IlEING FIJRTJlEIl DE,
SCRIBED as I..ot No. 31 on the nrorc~
mcntloncll stlhdlvlslon plan.
Dl~INO lhe samc Jlremlses which
Huherl U. Simmons nnd Cheryl A,
". UC115on. by thclr Dced dated Octoher
12. J 990. und record cd on October
18. 1090. In Ihe oWce uf thc He.
corder or Dceds in und for Cumber-
land County. Pennsylvunln. In Dced
Dook 3<1-V. PilAc 254. grunted nod
conveyed 111110 Roben B. Simmons.
lhe Mortgagor heretn.
1 IlEING designated as Tax J.D.
, N:JO.08.0597.0~5,
SEIZED IN EXECUTION as the
IIl'1lpt:rt}' uf Hulit'rl B. }llllllllllll~ illUI (
1:111"1)'1 A. l~l'li:.llIl. Uti .IIHI!!llIl"111 t;l).
IWIU.-/I)ti.(:I"ll.
N( rncl": I:. till tiler gl'Jl'll to "lIp.11'
IIt:5 IJllnlel"e:;1 1111I1 dallll;lIll:.. t\ pro
1l11~ed :'I:hedllle otllltilrlbli1lullllr the
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