HomeMy WebLinkAbout98-01826
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4. On June 25, 1997, mortgagors made, executed and delivered
a mortgage upon the premises hereinafter described to Plaintiff
which mortgage is recorded in the Office of the Recorder of
Cumberland County in Mortgage Book 1391, Page 793.
5. The premises subject to said mortgage is described in the
mortgage attached as Exhibit "A" and is known as 145 Appalachian
Drive, Carlisle, PA 17013.
6. The mortgage is in default because monthly payments of
principal and interest upon said mortgage due November, 1997 and
each month thereafter are due and unpaid, and by the terms of said
mortgage, upon default in such payments for a period of one month,
the enUre principal balance and all interest due thereon are
collectible forthwith.
7. The following amounts are due on the mortgage:
Principal Balance
Interest 10/1/97 through 3/16/98
(Plus $38.14 per diem thereafter)
Attorney's Fee
Cost of Suit
Appraisal Fee
Title Search
$ 97,799.19
$ 6,976.06
$
$
$
s
4,889.96
225.00
125.00
200.00
GRAND TOTAL
$110,215.21
8. The attorney's fees set forth above are in conformity
with the mortgage documents and Pennsylvania Law and will be
collected in the event of a third party purchaser at Sheriff's
Sale. If the mortgage is reinstated prior to the Sale, reasonable
attorney's fees will be charged based on work actually performed.
9. Notice of Intention to Foreclose as required by Act 6 of
1974 (41 P.S. ~403) and notice requested by the Emergency Mortgage
VERIFICATION
The undersigned, Renee Turner, hereby certifies that she is
the Foreolosure Speoialist of t.he Plaintiff in the wi thin action,
Household Realt.y Corporation, and that she is authorized to make
this verification and that the foregoing facts are true and correct
to the best of her knowledge, information and belief and further
states that false statements herein are made subject to the
penalties of 18 PA.C,S. ~4904 relatitlg to unsWorn falsification to
author! ties.
C~",:r~:=[l..~JLMJk,
RENEE TURNER
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MORTGAGE
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11:i303
\ 0 II' BOX IS CHDCKI!O, TIllS MORTOAOB IS AN OPEN-IINO MORTOAGIJ AND SIICURDS FUTURIl AOVANC1IS
THIS MORTGAGE is made this 25 TH
FRANK O. MA:K I NNON .__.___~~~~:.__
SHAWN N, MACK I NNON
{Jler"Tii"B9rfOwel~'T.8iidtvf(irtgagio-~iOiJSEIIOL[jREAL TYC'ORPORA'TIO~--------- -~ .. ~--
a corporation organized aod existing Unaor-illiilaw. of DE LAWARE .---------.--;iVhosoilclJres.q is
25 CA lEW'AY :ORI VE .' 5U In' 101, MECHAN I CSBIJRG~-PAT'I065 -.-..------.---.- " .
Illor"W1"I.ender" ), -----~._------.._--------_.---_._-_._--
The following paragraph preceded by' a checked box is applicable,
[Tl WHEREAS, Borrower ill indebted to Lender in the principal sum 01 $ Q''-'..:~9U, 1 Q- -- ----- -.... '
evidenced by Borrower's Loan Repaymont and Security Agreement or Secofldary "Mortgage Loan Agreement dtlled
JUNE 25, 1QIl1 and any extensions or renewals thereol (herein "Note'), providing for monthly installments
01 principal anol"nt!;rc..t, including any adjustments to the amollnl of payments or the contract rate il that r.le ill
variable, with the balance 01 the indebtedness, if not lIooner pnid, due and payable on dUNE 26, 207."1 . . '
o WHEREAS, Ilorrower is indebted to Lender in the principalllum of $ _......__-. ,'of so m~ch thereof
as may be advanced pursuant to Borrower's Revolving Loan Agreement daled and
exten.ions and renewal II thereol (herein "Note"), providing for monthly installmeniB,iiOcf inter.stiifilieTa"iCiilidilllder
the tcrms specified in tho Note, including any adjustmentll in Ihe interest rate il that ratn ill variable, and providing lur a
credit limit stated in the principal sum above and an initial advance 01 $ ---.----.
TO SECURE to Lender the repayment of (I) the indebtedness evidenced by the Note, with interc..t Ihereon,
including any increases II the contract rale is variable; (2) luture advances under any Revolving Loan Agreement; (3) the
payment of all. other sums, with interest thereon, advanced in accordance herewith to protecl the security 01 this
Mortgage; and (4) the performance 01 the covenant II nnd asreements of Borrower herein contained, Borl'Ower doe.q
hereby mortgage, 'grant and convey. to Lender and. Lender's succc"sors and assign. thelollowing described property
located in the County of cUMBERl.AND .__ Commonwealth
01 Pennsylvania: .
day 01 JUNE 1991 , betwccn the Mortgagor,
--7HUl. i:"JT.': 6: I. .
.____..___.____!2.!...!iL .-.--
^ll 1t1~T CERWN PROPERlY Bl1U^,EO IN THE T~SHIP Or SilVER SPRING IN
THE CO~TY OF CI.I1BIRlNlO !NO C0If10tM:~lIH OF PENNBVlVNlI^, BEING HORE
FUll Y DESCRIBED IN ^ DEED omo 01/01/11 NlO RECORDED 01/0111I. /HONG lHE
lNlO RECORDS OF THE CO~1V !NO 9T^TE BEl rORTH ^BOVE, IN DEEG YOllttE B2B
NlD PME "4.
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TOGETHER with all tho improvements now or hereafter erected On the propeny, and all 68soments, righ~"
RppUrlennnCClI and renla, all of which shall be deemed to bc lI:ld rernaio 1I pHrl of the properly coVtlred hl' thl:,
Mnrtg.~e; and all of the loregoiug, together with said property (or the leasehold Mlnte il this Mortgage is on I.
Ica~Bhold) arB hBroinaher relnrred to ns the 'Property."
Borrower covonnnlll thut Dorrower in lawfully seised 01 the Mtate hereby conveyed 8l1d has the right to mortgage,
grant Rnd convey the Prop"'ty, and that the proportyis uneneumbered, except for encumbrances of record. Borrower
covenanl!; thnt Ilorrower warrants and will ,Mend generally lhe title to the Properly agaillr.t nil c1Rims alld demallds,
subject .10' ellcumbrancM 01 record. .
, . UNIFORM COVENANTS..Borrower and I.ender eovcllunl and agree as followr.:
, . I..l'aymllnt 01 Principal Rnd Interest at Variable Rates. This mortgage seco"", all pllyments of principal 1Il1d
inWell1 duo on a variable rHte loan.. Tho eonlract rate 01 inlerCllt and payment amounts may be subject to cllllllge a"
provided in Ihe Note. Borrowcrs shall promptly pay when duc all amollnts required by the Note.
2. I'unds for Taxes and fnsuranee. Subject to applicable law or waiver by I.ender, Borroll'er ahall pay to I.'Hlder
on tho doy monthly payments of principal and interest ore payable uocler the Note, until th(l Note is paid in full, 0
allm (hereio "Fundn") equnl to one..twelfth of the yearly taxeR and """eRsmenl., (includiog condominium and plaoned
unit development a",es.qlnents, il any) which may attain priority over this Mortgage and ground rents on the Property,
il any, plua one-twelfth 01 yearly pnllnium installmeots for hal.ard insurance, plus onll-twel1th 01 yeal'iy premium
ior.tallment.s lor mongage ionurance, if any, oil as reanooably "'llimatcd ioitially aod Irom time to time bj' Lnocler 00
tho basis 01 aSlles.Qments and bills and reasonable ..slimat"s thereo!. Borrower shall not be obligated to mako Huch
parmeots.ol Fuods to Lender to the .extent thai. IJorrowor makes such paymcnts to tl\(l holder of-apdor"ll1ort~/lge Or
dced of trust if /luch holder is ao iostitutionallender. '
II Dorrower pays Funds to Lender, the Funds sholl be held in ao institution the deposils or aceounts of which are
insured or guaranteed by a Federol or atatc agency (ineluding Lender if Leoder is ouch an institution), Lender shall
apply the Funds to pay Raid taxes, asses.sments, insurcnce premiums and ground rents. Lender may not charge for so
holding and applying the Funds, aoalyzing said account or verifyiog aod compiling said assessments and bills, unless
Lender pays Borrower interest on the Fund.q and applicable laiv permits Lender to make ouch a charge. Burrower and
LondoI' may agree in writing Rt the time of execution of this Mortgage that interest on the Funds sholl b'J paid to
Borrower, and unles.. sueh agreemeot is mode or applicable low requires such interest to be paid, Lender shall not be
required to pay Borrower any interMt. or earnings on' the Funds. Lender shall give to Borrower, without charge, an
arnual accounting of the Funds showing credit.. and debits to the Funds and .thepurpose lor whieh 'each debit to the
Punds was, made, The ,Funds are pledged os additional security lor the SUlns'fl6curedby this Mortgag.. ; c.
. Illhe amount 01 the Funds held by.Lendor,'together with .lhe,future monthly installments.ol'Funds payable prior to
Ihe du. datM ol.taxes, assessments, insurance premiums and ground renls,'shall exceed the amount required 10 pay said
IhXIUl, asses.~ments, insurance premiums and: ground rents as they fall. due, such.excess shall be, at Borrower's option,
either promptly repaid to Borrower or crr.diled 10 Borrower on monthly instollments of Funds. If the amount of the
Funds held by Lender shall not lx1 aullicient to pay taxes, assessments, insurance premiums and ground roOls as they
lall due, Borrower shall pay to Lender any amount necessary to make "I' the deli~iency in One or more pa)'menLq as
Lender msy require.
Upon payment in lull 01 all sums secured by this Mortgage, Lcnder shall promptly ref\.nd to Dorrowor any funds
held by Lender. II under paragraph 1'1 hereof Ihe Property is sold or the Property is otherwise acquired by Lender,
Lender shall apply, no later than immedistely prior to the sale of the Property or its acquisition by Lender, any Funds
held by Lender at the time of applicalion as a credit agoinst the sums secured by this Mortgage,
3. Appllcallon or'Payments. 'Exco{>'l'tortClan.'liliA'(io'pUrau.'ino'thii-Pen'nsylvania Consumer Discount Compony
Act, 011 paymentr. received by Lender under the Note ond par,lgraphs 1 and? hereof shall be applied by Lender first in
payment of amouots payabla to Lender by Borrower lindeI' 'paragraph 2 hereof, then to Interest, and then 10 the
principal.
4, Prior Morlgagos and Deed of Trllst: Charges; Liens. 'Borrower shall perform all 01 Dorrower's obllgatioos
under any mortgage, d""d of trust or other aecurity agreement with a lien which has priority over this Mortgage,
including Borrow'lr's covenants to make payments when due. 1l0rl"Ower shall payor cause to be paid 1111 tax",q,
as.qC8S111ents and other ehargM, fincs and impositions attributable to the Propelty which may attain a priority over this
Mortgag.. and.1casllhold payments or ground rents, if any,
5, !lDzlrd .Insurance, llorrower shall keep the improvements now exisling orh.reafter erected on the Property
inslired against 10s.Q by lire, hal.ards included within the term "extended coverage," and such other hazards as Lender
may require,
Tho insurance carrier providing the insuranco sholl be chosen by the Borrower all bjeet to approval by Leod.r;
provided, that auch apPI'(wal sholl not be unreasonably withheld. All insllrance policies and renewals thereol ahall be in
a form acceptable to Lender and shall Include a stand~rd mortgage clsllse in favor 01 and in a form acceptable 10
l.ender, Lender shall hay. the ri'lht to hold Ih(J policies and ronewals .thereof,. subject to 11\6 terms of aoy mortgage,
deed of tmqt or other security agreemen~o\~~t1391t;~~"h794riority over'this MortgAgo.
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In the event of 105.1, Borl'ower shall give prompt notice to tho inmornnce carrier and Londer, L~nder may make proor
of 1059 il not made promptly b)' Borrower,
If the Property Is abandoned by Borrower, or if Borrowf,r fails to respond to Lender. within 30 dayo from the date
notice io mailed by Lendur to Borrower that the ili.uronce carriel' offo," to settle a claim for inlluranco benefits, L,mdor In
authorized to colleot and apply the InDurance proceeds at Lender'a option eithor to rentoration or repair of the ProPfJrty Or
to the aumn secured by this Mortgage, ',.,
6, Preservation IOd Maintenance of ProFerlY; Leaneholds; Condominiums;, PI.nned"UnltDevelop",ents.
Borrower , shall keel' the Property in 'good ropair and ohall not commit waste Or permit impairment or deterioration or
,.theProperty and'.hall'comply with the provisions of.any loase ir thi" Martgago is on a lellBohold..1f this Mortgage io on
A unit In'a condominium' or a planned unit development, Borrower nhall perform all or Borrower'n obligationn under
the decl.ration or coveonnls creating or governing the condominium or plAnned unit development, the b}'-Iawn And
regulations of the condominium Or planned unit development, and constituent documento.
7. Protection of Lender's Security. If Borrower fails to porlorm the covenants and agreementn contained in thi~
Mortgage, or Ir any .etlon or proceeding is cOfllmenced which materially afrects Lendor's interest in tho Property, thcn
Lender, at Lender's option, upon notice to Borrower, may make such appearanCC-1, disburse such sums, including
reanonable altomeys' feOll, and take such action as is neccs.qary to protcct Lender'. intere.qt.
Any amounts disbursed by Lender pursuant to this paragraph 7, with IntorOllt thercon, at the contract rate, ohull
become additional indebtedness or Borrower nr,cured by this Mortgage. Unless Borrower and Lender agree to other
terms ,of payment, such amounts shall"be payable upon notice from Lender to Borrower requesting payment thereof.
Nothing contained In this paragraph 7 shall require Lender to incur any expcnne or take any action hereunder.
8. Inspection. Lender may take or cause to be made reasonable entries upon and inspections of tho Property,
provided that Lender ~hall give Borrower notice prior to any sueh inspection specifying rea~onable cause therefor
related to Lender's Interest in the Property.
9. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any
condemnation or other taking of the Property, or part thereof, or for conveyance in lieu or condemnation, are hereby
assigned and sholl be paid to Lender, subject to the terms of any mortgage, deed of trust or other security agreement
with a lien which h.. priority over this MortgAge.
10...Borrower Not Released: Forbearance By Lender Not a WaiveI', Extension of the' time for payment. or
'. modification or ,amortization of the. sums secured by this Mortgage 'granted b,v Lender:to Any successor in interest of
Borrower shall ,not operate to' release.. In ,any'manner,.theliability .of the original Borrower, and. Borrower's aucce.'lSors
In'interc.1td;<:nder shall not be required to ,c.ommence proceedings against :such successor or refuse to extend time 101'
payment or .otherwlse modify amortization .of the sum.s'secured by this Mortgage by reason' of any demsnd 'made by
the original' Borrower and Borrower's successorr.In -Interest. 'Any. forbearance .by Lender' in 'exercislng any right or
remedy hereunder, or otherwise afforded by applicable law, shall not lx, a waiver of or preclude the exercise or sny
such right or remedy..
.11. Successors and Assigns Bound; Joint and. Several..Liabllity; Co-signers, The covenants and agreementr.
herein contAined ohall bind, and the right1 hereunder shall Inure to, the respective successors and assign~ of Lender and
Borrower, subject to the provisions of paragraph 16.hercof. All covenants and agreements of.Borrower shall bo join:
and several. Any Borrower who co'signs this MOl'tgage, but does not execute the Note, (a)'is cO'slgning this Mortgage I
only to mortgage, grant and convey that Borrower's interc.st in the I'ropel'ty to Lender under the tcrms of thi" I
Mortgage, (b) io not personally liable on thc Note or under this Mortgage, and (c) agrees that Lender and any other I
Borrower hereunder may agree to extMd, modify, forbear, Or make' any 'other. accommodations with regard to tho i.
terms or this Mortgage or the Note without that Uorrower'n conselltllnd without reloasing that Borrower or modifyin[ I
this Mortgage as to that Borrower's intertlSl in the Property. ,
J 2, Notice, Except for any notice required under applicable law to be given in another manner, (3) sny notice It !
Borrower provided for in this Mortgage shall bc given by del.ivering It or by mailing such ootlce by certiried mAi II
addressed to Borrower at the Property Address or at such other address as Borrower mllY designate by notice to Lende
a~ provided here.ln, and (b) any notice to Lender shall be given by certified mail to Lender's address stated herein or t( 11
such other addrc.,s as Lender may de..~ignate by notice to Borrower as provided herein. Any notice provided fm in thi
Mortgage shall be deemed to hal'e been given to Borrower Or Lender when given in the manner dMignated herein.
.13, ,Governing La.w; Severability. The state and locallawt. applicable to this Mortgage shall be the lawo of tt:
jurisdiction ill which .the ProP!'rty Is located. .Tho foregoing sentence shall not limit the applicability of ,Federal ,law t
this Mortgage, In the event that any pmvislon or clause of this Mortgage or the Note conflicts with applicable law, sue
conflict shall not affect other provisions of this Mortgage or the Note whioh can be' given effect without the conflictir
provision. and to this end the provisions of this Mortgage and the Note are declared to be severable. ,As used hereil
"costs," "expenses" and "attorneys' fee.q" include all SlImo to the eXlent not prohibited by applicable law or limit,
herein,
14, n~rrower'~,RpPY: B~rrowcr shall be furnished a conformed copy of the Note and of this Mortgage at the tin
of execution or aftJ...-ccordatlOll hereof. ,BOOK1391 PAGE 795
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15, Rehabilitation Loan Agreement, Borrower shall ful,fill all of Dorrowe,"s obligations under any homl
rehabilitation, improvement, repair, or other loan agreement \yhich Dorrower enters into with Lender, Lend'", at
Lender's oplion, may require Borrower to execote and deliver tc Lender, in a form acceptable to Lender, an assi~nmenl
of any rights, c1aima or defensM which Borrower may have agai'nst parties who supply labor, materials or services in
connection with improvl,ments m~de to the Property,
16, Transfer of the Property, If Borrower se\ls or transfers all or any part of the Property or an inter..q,
therein, excluding (a) the creatiori of a' Ii.en 0" encum brance subordinate to thi" Mortgage, (b) a transfer by devi"e,
descent, or by operatinn of law upon' the death 'of a 'joint tenant, (c) the grant of any leasehold intereit of three year" or
Ies.~ not containing an option tq purchase, (d) the creation of a purohase money so<:urity interest for househuld
appliances, (e) a transfer to a relativ~ re.qulting from the death of a Dorrower, (() a transfer where the spouse or
children' of the Borrower become on owner of the property, (g) a transfer .csulting from a decree of di6Solution of
marriage, legal separation agreement, or from an incidental property settlement sgreement, by which the spouse of tl\(,
Dorrower becomes an owner of the property, (h) a transfer into an inter vivos trust in which the Borrower is and
remains a beneficiary and which does not relate to a transfer of rights of occupanoy in the property, or (i) sny other
transfer or disposition described in regulations prescribed by the Pederal Home Loan Bank Board, Borrower shall
cause to be submitted information rcquired by Lender to evaluate the transferee as if a new loan were being made to
the transferee, Borrower will continue to be Obligated under the Note and this Mortgage unless Lender releases
Dorrowe!" in writing, .
If Lender doa. not agree to such sale or transfer, Lender may declare all of the sums se<:ured by this Mortgage to be
immediatel)" due' and' payable, If"Lender. eXel'cises ,such- option to aecelerllte, Lender ahall mail !lor rower notice or
acceleration in accordance with pMagraph 12 hereof." Such notice shall provide a pMiod of not less than 30 days from
the date the notice is mailed or delivered within which !larrower may pay the sums declared due, If Borrowcr faila to
ray such sums prior to the expiration of such period, Lender may, without further notice or demand on Borrower,
invoke any remedies permitted by paragraph 17 hereof,
NON-UNIPORM COVENANTS, Borrower and Lender further covenant and agree as follows:
17, Acceleration: Remedies, Except:as provided in paragraph 16 hereof, .upon Borrower's breach of any
covenant or agreement of Borrower in this Mortgage, Including the covenants to pay when due any sums
~ecured by this Mortgage, Lellder prior to acceleration Ishall give notice to Dorrower as provided in
paragraph 12 hereof specifying:' (l)the ,breacb: (2) the action required to cure such breacb; (3) a date, not
less than 30 days from Ihe' date the notice is 'mailed to Borrower, 'by which' such breach must be curod: nnd
(4) thal.failure to cure .sueh' breach on.or. before..the dale,'speclfied .illthe nollce may result in acceleration
of Ihe sumB secured by tbis Mortgage, foreclosure by. judieial proceeding, and sale of the Property, The
nolice shall further Inlorm Borrower afthe right to reinstate alter acceleration and the rigbt to asserl in the
loreelosure proceeding the nonexistence of a'defaolt or nny other defense of Borrower to acceleration and
fnreclosure, If the breach is not cured on or belore the dnte specified In the notice, l.ender, at Lender's
option, may declare all of the sums secured by this Mortgage to be immedialely due and payable without
further demand and may foreclose this Mortgage by judicial proceeding, l.ender sball be entitled to collect
in such proceeding all expenses of loreclosure, inc.luding, but nal 'imlted to, reasonable attorneys' fees and
costs of doeumentary evidence, abstract~ aDd title reports.,.
18, Borrower's Right to Reinstate, Notwithstanding Lender's acceleration of the sums by this Mortgage due to
Borrower's breach, Borrower shall have the right to have any proceedings begun hy Lenne,' to enforoe this Mortgage
discontinued at any time prior to entry of a Judgment enforcin'g.this Mortgage if: (a) Borrower pays Lender all sums
which wauld be then due under this Mortgage and..the Note' had no acceleration occurred; Ib')':i])ar'fO~'~r, 'eures nil
brenches of any other covensntr. or agrecment5 of Borrower contained in this Mortgage; '(0) Borrower':'pa)'s all
reasonable expenses incurred by Lender in e.nforcing the eo~enants and agreements ot Borrow~r.co.ntained,in this
Mortgage, and in enforcing Lender's remedIes os provided iil paragraph 17 hereof, inoluding, but o'or Iio\lted ,to,
reasonoble attorneys' fees; and (d) Borrower takes such action as Lender may reasonably require to, as.ore 'th~l'-l.!i,e 'lien
of this Mortgage, Lender's interest in the PropMty and Borrower's obligation to pay the sums RCcur~. bl' this..M0r\~age
shall continue unimpaired, Upon such payment and CUre by Borrower, this Morlg~g~. and"thu <ibligati.()n~' ,~~ecured
hereby ohall remain in full force and effect as if no ad,celeration had occurred, ~,; ;t.";''\'U''',\:'.'ili, $;lf.//~.~i; " .
19, Assignment of Rents; Appointment of Recieiver, As additional security herei\l1t1itp.il;l~~.llier\)M~iJli;signs
10 Lender the rents of the Property, pro~ided that Borrower s~aH, prior to acceleration 'tin?l~:lf\ir#f~plq;ji'/.~'cof, in
abandonment of the Property, have tho fight to collect and retalll such rents as they become Il\ijtr'~il,paY.~IlIp'"
Upon oecel<,ration under paragraph 7 hereof or abandonment of the Prope~ty, Lender shall b~"ehlltled to hove a
receiver appointed by a courttn enter upon, take possession of and manage the'Property and to collect the renlS of the
Property Including thcse pnst due. All rents collected by the receiver shall be applied first to payment of the ensts of
management of the Properly and collection of rents, including, but not limited tn, receiver's feOll, premiums on
receiver's bond.q and reasonable attorneys' fees, and then to the sums secured by this Mortgage, The receiver sholl be
liable to account only for those rents llctually received, .
.'
.BooK139i PAGE 796
ORIOINAL
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; 20, Release, Upon paymenl of .11 sums sr,curoo by Ihis Mortgage, l.ender shall relollse this Morlgage without d"rgl'
10 Borrower. Dorrower shall pay all costn 01 recordation, il any.
21. Waiver or Homeslea,l, Borrower hereby wolves all right 01 homeHlead exemption in the ProperlY Ilnder .tllte
or Federal low, ,. ..
22. Inlerelll Rale Arler .Judgmenl, Borrower agrees the IntereSI rate. payable after a judgment is entered on tho
Note or in an action or 'mortgage loreelosure sh.1I be the r,le Atated in the Note. ..
" 'i ,-'.' to. " . ." .' ,
REQUEST FOR NOTICE OF DEFAULT.
AND FORECLOSURE UNDER SUPERIOR.
MORTGAGES OR DEEDS 01' TRUST
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lIorrower and Lender requellt the holder or any mortgage, deed of tnlS', or other encumbrance with a lien which has
priority over this Mortgage to give Notice 10 Lenoer, at l.ender's address set forth on page one or this Mortgage, of cny delaull
under the superior encumbrance and or any sale or other roreclosure aclion.
IN WITNESS WHEREOF, Borrower h3s executed Ihls Mortgage.
~aK~
RITA A KEELEN
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ZRA K 'AMA'KINd;N -I:lorrc;."o'
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SHAWN N MACKINNON .Dorrower :,
RITA A KEELEN
I hereby cerlily Iha; Ihe precise address 01 Ihe Lender (Mortgagee) is: HOUSEHOLO FINANCE
25 GATEWAY. DRIVE SUITE 107 llirtANICSBURG PA 17055 -
On \iehalf or"i1i~ Lender, By: . MA n ~ E AM AN . , , 'fitle:'.B./3Ml.cUANAr; f R
, " ., 'J' " ...--r- . - .
COMMONWEALTH 01' PENNSYLVANIA,: CUMB~_RLAND '~ CounlY ss: .
.. . . '. lj
I, _MATTH EW p' ~iEA~IAN' ..' , a Notary Publicin and lor Raid county and slate, do hereby certify Ihal . i. .
~RANK 0 MACKINNON & SHAWN N NACKIilll.Q.N.. - h
personally known 10 me to be the same person(s) whoAe name(s) _-B.r..fl_ subscribed 10 Ihe loregoing instrument, : 'I
appeared belore me Ihis day in person, and acknowledge Ihal..-t._ hey___ signoo and delivered the said inslrument"" i '
t n e 1 r free voluntary aCI, lor the USM and purposes therein sel lorlh. i
Given under my hand and official senl, Ihis _______.3_5t",h
"' day of JUNE _.,1911L
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/~} icThiQtrllme~t was propared by:
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HOUSEHOLD F\\"lJ.~~r:~~ COj'";~':';;'.
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t'lOTICE OF I.li1J:!.lU:lmLm..l:CiRECLO~UQR.~
customer(s): Frar.k r;, Ma.;:ldr,non
~~d Shawn M Mackinnon
Address I 145 Appala~hain Dr,
Carlisle, PA 17~13
Acoo~nt Nunber: 713303-00-92GOBS
Date of Loan; 7/02/97 Date
creditor: HOUSEHOLD REALlY
CORPOAA':'ION
Phone: (BOC)333-SBGB Ext 6593
Addn~~5. 961 We~\lel Dr" P ,0,
Box 8S,2,Elmhurs:,IL 60126
of Nutice: December 23, 1997
The MORTGAGE held by HO_HllJl1:)1:l Realty Corporation, d/b/a Household
Finance ComJl.U1\er Disc:Jun:: CompClny (hereinllfter called ',Ie, us or oure) on your
pl'operty looated i1t 14~ Ap\-,,,,l,,dli.l:.n Dr., Carlisle, pennsylvania, IS :N
SIi:RIOUS DEFAUl,T because yo~ nave not mado ::t"e l1'.on':.r.ly payment of $1,176,99
for the month 0: October ar,d $1,1"17.01 for the mon~h of November of 1997
inc~usive, Lat.. oharges (and Q~,het' charges) have also aecru~d to this date in
t.he a:nount of Snone, The total amount. now l"equired to cure t.his defau:t, or
in other words, get oauc;;h: Up tn your p.!ll'1l\entB, as of the dat.e of this 1ette:c
is $2,354,00,
You may oure this ddll~lt within THIP.TY ;30) days ot the date cf this
letter, by paying to us the abovEl amount PLUS any additiona: monthly paymants
and :ate oharges which may fall due curing '~hi s ;>eriod, Such pay\f.ent mU9t be
made either by oash, cashier's check, certified check cr money order, and
made at 961 Weigel Drive, P,O, e':)l< 8632, E:lmhur3t, n, 60126, payme:lt r~ay be
made by mail, but must be reoeived in our office by thB time specified by
this notice.
H vou do no'.: ..Bre the d~ll.Ji1thin TI-lPl.TY (30 i DAYS, we i~nd to
exercisF! our riaht to accmxate th~ m,rt'HgJl Diiill!ll.tL. 'I'his means that
whatever iEl owing on tbe original amollnt. horrowed will be conside:-ed due
immediately ar.d you may lose the c~anoe to payoff the original mor:gage in
monthly inEltallmer~ts, If ful} payment of r-r.e amount of deh,ult is net made
withi:1 THIR7Y DO) DAYS, ~_S\J&Q ir.tencl to inetruct Q.\!L.1\ttornevs to etart a
lav.;suit tD fOl.~ecl:>ge your m~.g...Bg~.st.i!.~rty. I: the m(Jrta~<1e is forecll:lsed
your mortQaaed orop~~scld ~v the Sh~rl!i to Dav off the mortaaq~
debt, If we refer yom' case t.o our a.;torneys, but yO'l cure t:"le defa~lt
before they begin le3a: proDeedi~ge agains: yo~, you will still have to pay
the reasonable attorney's fees, a~:ually incurred, up to $50,00, However, if
legal proceedings ar'e start ed against YO'J, yo," will have to pay the
reall0:1ao1e att,orney'a fees even Ii' tr.ey are over $50,00, Any attorney's fees
will be added to .....hatever you o'lIe lU:l, which :nay alsD include QUI' reasonable
costS, If vou cure the default: IiJ-t"li.n th~ t,",irtY cia... r'eri,~d, y,ou ",:'11 not b~
;r~qu: red to Dav at torney' s fees. \ole m~y als" SUe! you personally for the
urlpai.d p,,-ineJi.pal balance and ali othel: SU~.H due under the l1Io:ctgage. If )',-'U
havtl no: cured the default. "..it.h:n the th~~ty day period and foreclosure
proeeedi.ngs have b,;,gurl, vou f1ti"LJE\.Y!!~-I:1gtJ;. to cure the defau1..t an';
PJ:..~ve.11Lthe sale at any t. i.m~ un to ~r.~~ ho\.a;
~f.C2I..!L toe 3t.e"'i f f I S fCl'e~losure sal.~J._.._Y21L.-m.~__g~ so c)t oavina the tot~I..~.
1m:Junt of the lll,oaid monthl'lJla~enu) J!.lblJLffilY....ll!il.....QT 9ther charaes ;.11~~!
siue, as wel: as :1-'_e Tt':ilscnable .l!.tt<.1rl".ev'lL.fees and cost~<;tec:i wi.th 1;,'\'"
.f.Qrl'olc;sure sal~ (and oerformall:L.nl.~_rJlguire~!Jl under t~H, \T.o:-tcar,rej_
It is es~imat.d that the earliest da::e that Buch a Sheriff's Sale could ~
held woul d be aprroximat":y l'lix (6: months from today, A notioe of th
date c: ~.he S:"leritf' s f;aJ.€! wi 11 be sent to you be:ore t.he salli. lOr
cours~, the amount needed to ~~re the default will increase the longer YOL
wait, 'fOil lTIal" find out a: any til1'';! exactly what the required payment wiL
be by clOl1ing IlS at the following numb.:'1:' (000)333-58/,8 Ext GS9:;. This
EXHIBIT "8'#
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paymor.t must. l;,e in cash, c;,\ll~ier' ~ ch~(:~., cenified check or money order and
made pAyable to UB at ~he addreBd uLa:ed ~bove.
Vou aho',lld realize tha~ A Sh"dff's S<'I1e wUl end YOl.;r ownership "f th..
mortgaged property a~d your lighL Lv remain in it, If you continue to llv8
in th~ prOperty after th~ Shllriff'l Sollo, a lawsuit could be started to ftvlc:
Y:"Jl;,
You hav'd additi:'r;...' dghts to h'3lp protect }'Our intel'est ;':1 th>il
property, YO;) HAVE 'rHE RIGHT TC SELL THE PRCPERTY '1'8 Ol:l'I'A:N f'l.ONEV TO PAY Of'?
THll MOR'I'GAGF: DEBT, OR TO sorw.:>W f'l.OIEY FROM ANO'I'IIr~R LENDUIG :NSTITl:.TION TO PA'{
OFF THIS DEBT, YOU ~Y HAVE HIE RICJH'." TO S3LI, DR ':'RANSFER TI{5: PROPE:R,y
SJEJEC'J' ':'0 THE f'l.ORTOAGE TO A BU)'ER OR TRANSF'E:HEE WIlO \<IlL:" ASSUME THE MOR1'GAOE
DEB'I', PROVI:JllD 'I'HAT ALl, THE OUTSTMiJlNC l'Ai'MEN'I'S, CHAiWES, AND ATTCRN'EY'11
Fs:ES AND COSTS ARE PAID PRIOR TO OR A'I' Tim SALE, At\O 'I'M'!' THE O'I'HER
RB(;l1IRllMEliITS UlI'Dl':R THE MOR'i'GAGE AR3 SA1'Is~'rED, 1-:ON'l'ACT us TO DETERMINE IDlDER
WHAT CIRCUMs'rANCES THIS RIGH'!' MIGHT ilXLST, 'fo;) HAVE ThE RIGHT TO HAVE TliIS
DEFAULT CURED BY A~TY THI RD PARn A':nNO ON YOUR BEH!\L?',
J.t_y2J.L_~ the clefau1t. -he n\m~..'!!il1 be rastored._\<o the jI.i!.lll~
~Iil:ition..u if 1:0 defau:~ had occ;urr.e;L. HO\~~ver, you are no~ ent~tled to
thh right to cur.e YOl:r default more t 5n three times in allY ca:endar year,
V'_'!'y tl'ul I'ours,
/1../\____
BY, Ashton Greene, Eaq,
FOR: REALTY CORPORATION
81 Ud, no comprende e1 contenido de este aviso t.anga 1a bondad de hacer
tradUairlo ya que aontiene 1n:oI1l1i!lc-io:J de sum a imp:>rtancia eon respecco a AU
propieclad,
NOTE, Unless you notify this oft~ce withi:1 thirty (30) daye after receiving
this notice :hat you dispu:e the va~idity of t.his debt or any p::>rtior,
thereat, this offiCe will aSS\I:ne that U:e debt. is va.lid, If you not~fy this
office in wl'it1ng ~/ith~n thirty (30) darB from l;'eceiving this r.otice, this
of:icEl will: obta:n verif icat ~oo 0: the debt or obtair. a copy of j udgmer.t and
mail you a copy of such jUdgment or vedficdUon. You Ufl also advised that
any information whic:r. YOll supply tc Lhis "ffioe ma}' be used bl' us in the
colleation of the debt, :t ye,u reques: Lhls o~flce in wr~:ing within th~rty
(30) daya after receiving, this offioe wi:l provide you w~th the name and
address of the original credicoI'.
2
13:2~
(,REE.~E
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TAKB ACTION '1'0.ll..'lI_1Q\ULJIQMJl_1RQtLl.Q.BJlCLOSURE
Tha CO:T1n,onw~.Jth of l'el1rlsyl'lar:a'l;l Hl]lII"~IWnel'll F:mer9~:IOr Mor=gag"
As~istanoe Program may be able to help yo~. Ruud tho following notice to
Und out how th!l pmgn\lr. \~(')t"ks,
La nor.iflcadon en "ci"ljrlt", a9 UII >lUll!" impOl'tuncia, rllll.'S afeota OI.l'J
derecho a contlrlUiH^ v.1\'J..nd':c, "II SI.l I;llUi.l. 8i no (J~l\\pl.'Qnclf'\ e1 cor,tcmido de
<!lata nor.i ficactOIl obtenga C1r:a tradIJc', ~Ol' ir.\II\l~d.'.litomlJr.tll llamallda esta agenr.:ia
(pennaylvi'lnla Ho'~sing Finance ',ge:1C}': "in cargQs a~ numer'o menctonado llrribll.
PUEldlJB s~r a1egible para 111'1 prellLawJ pot" el prClgr'ama 1 J"~I1indc "Homeowner's
Emergoncy Mortgage AeslstBnce Prcgran.' el cu~l pucde s..lvar au C~sa de la
perdJ.da (\.,1 :Ierecho a r"dlmir au 111poteca,
n1~QRTAN'r I NO'llC.l._ or HO"!1!.2!mUi:..
g.rgRg:nlCI._.lolQll~l&LAS_U~ ACT 01' 191;1].
PLEASE: P.EM THIS t\OTICE, YOU MAY BE EI,IGUILE FOR
FINANCIAL JlSSISTAl\CE II'HICH CAN SAVE YOUR HOME FROM
FORECLOSv'P.E AND HELP yor..: M.tJ<.E FVi'URE: MORTGAGE PAYMENTS
Customer (e) : Frank D, Mackinnon
and Shawn M, Maokinaon
Address I 145 Appalllchiun Dr,
Carlisle, Ph 17013
Accc>unt N'.lmbet.: 7U303-00-926(189
Date of LQan, 7/02/97 Dat~
Credt tor; f10USEHO:"D REALTY
CORPORAT:ON
Phone: (800) 3J3-Sa48 Ext 6593
Address: 961 weigel Dr,.P,O,
Box 8632,Elmhurst,IL 60126
of Notice: Deoe:nber 23, 1997
~..JOQr.t.g.~ ~s in Seili.lHL. default because you have failed to pay
promptly installments of principal ar,d interest, as required, for a period of
at least sixty (60) days. The total a~ount o~ the delinquency is $2,354,OC,
That sum ino1udes the fOllowing, $1,176,99 for the month of October ar.d
51,177.01 fo:- the month of NovsmCer of 1997 inc1u~ive,
1.;;>u mil... l:>!ii~~l.L :or t..inangJ.al assistance that _ will prev~
foreclosure on your me'rtgage if you comply wit.h the pro"isio:'l~ of the
Homeownere' Eme~gency Mortgage Assistance A~t of :983 (the "Act"), You may
be eligible fOl' emergency temporary assiBtance if YO".lr oefaulL has been
caused by circumstanoes beyond }'our CDntrol, and if you meet the eligibillty
nquil'ements cf the Act as determin...ct by the Pel1nsy1vania Housing Finan"e
Agency, Please read A:LL.QUhis Notice, T.t c()ntains--iill-_~xplanl\tion of vo:u
riahtlil,
Under the Act, you are entitled to a temporary stay of foreolosure on
}'our mor:t.gage for thirt.y (10) days :'i'c'm th~ dilte of this Notic", DI.lx-J,ng that
time you have the right to arrange 1i
"face-to-face" meeting with a represectative o~ this lender, or
with a designated ccnS".lmer crecti: counseling agency. The p~rpCBe of that
meeting is to attempt to work o~t a ,epayrrer.: plan, or to otherwise set~le
}"o\\r d.~linquenc}'. Tha.t......lM!lltimr m~st occur in...JJ:JLIl.a.xt thirt.):...uO) davs,
:::f. you attend a face -to-faoe meetir,g \~ith this lend"'r, Ot- with ti
conSUr:1er oredit 00uII/')eli:1g agl?ncy ident if :I'!d .1 n this noticl!l, r,o fuX'thet.
proceeding in mortgage forec~osure may take place for thirty (30) days after
the d,,:;e of that me",tir.g.
':'he name, address and telqJ:,one nu"ber of our representative is, Jim
Dadian, HO".lsehold Realty Corp~ra:ion, 9E1 Weigel Dr., P,O. Box 863J,
Elmhurst. II. 6(':26, 1..000"333-5948 Ex~ [,c93
'I'he names uud ..ddref,lSell of deolgnated cc,r,surf,er '~redit counsoling agenif.lCl
are attached, It is only necessary to nchadule one tace-:o-face mee:i09, YOJ
should advise this lender i~nediatoly ~f your inte~tlon~,
If you h"v~1 tried i:lnd 111"0 unablfl to rellc1v"" this prol.:1lJm at or aEt.m'
YOU1' fuce-la-face meeting, Y:~l, have tb!l l"ight tu iJpply for' fioan:'1.illl
!\IUiatOlOO!i fr<;>m the HocncownerA' Emflrgency M':ntgagl;\ A"E;i..t:an"e F'Jr,d, In ord"l"
to du thIll, you Ill'JIJt fill out:, s1gn, IInd file" cOIT,plet.ed Homoown!lrs'
EmergBlloy ASBiAt'llIlCC Appli cation wi ~ h thE! P(lnn~i'l vania Houoing 1'1 nanee
Agelluy, The consumer credit Ciour,seli.u<1 ageru-,l' will ;,,,,aiet YOt; HI filling out
you I' applica:ion, It t!l.\U!t...be fi l'rfU'L.j;!OOLrn<1rK\l!:LW.~thin th;.nv 1301 dllYfL91
Y-Q,W,~~.fL:.l&. face r.t~j:_ins."
ILia ~xtrll~le:"'~_J.nm.QJ.J:..im.t th<lt \'ou-LU.lL.Y_Q.\.i.1: 0I0011cat100 l)1"om~tly, _-11-
~o not do 110, or fLY-ou do r.~U_Q.U.Q.'tLJ.;.h\t.st.ill time Deriorlv set fOl.tb....i.n
till,s It!tte!' , foreclosure mev r~~ aaai.nli_~.--YQ.t;l' horne imrTJediately,
Available funds for emel'gency mortgage aseietan-::ll are very limi~.6'd.
They wi 11 be dl.l'IDl1rsed by the Agency u:ider the eligibility cd taria
e$tabliehed by the Act,
It ie extremely imOOrtOlnt tblt 'lour _i\l2~ica:.ion is accurate And comDlete
in even' 1:eopecL, The couneeling agency 'Hill help you to fill out the
application, The Pennsylvania Ho~sing Fi~ance Agency has sixty (60) 1ays to
make a deoi~i~r. after it receives YOUr applieation, During that additions:
time, no foreclosure proceedings wi II be pursued against you l.f yot: have met
the time .l."equir'ements set f.:>rth above, You wiLl be notified directly by that
Agency of its decision on YOur a~p:ication,
The Pennsylvania HO~.lsing Finance Agency is located at 2:n Ibrth Front
St~'eet, p,O, Box 00:<9, HardsbLirg, PA 17105, Telephone No, (717)780-3800 or
1-800-342-2397 (toll free numbe;:,),
You must either mail YOU1' appliciltion to the Pennsyha:Jia Housing
Finance Agency, or you mList file it at the office of one of the designated
consumer credit counseli~g ag~ncie8 lis:ed above,
An applioation for asSistanoe may be obtai:Jed from this lender, from a
conSUme.r credit cO'.1r.seling agency, or directly from thl!J Pennsylvania Ibusing
Finance Agency,
Enclosed a190 is another notioe f;:,om this lender under Act 6 of 1974, 7hat
nOtice is calJ,ed a "Notice of Intention to FOl'eclose Mortgage", You must read
both notices, since t.hey both explain r~ght9 tr,at you no\~ have und,;or
Pennsylvania law, However, if i'O'J cho::Jse :c eXilrcIse you~' rights describecl ir,
this notice, WO'J cannot foreclose Lipon you during that time,A:sc, if you
rec..ive financial assistance forr. the r'ennsylvanla Housing F'inance Agency,
your home oannot. be foreclosed upon ~'hih; you are receiving that as!ilistance,
By: James Ashton Gree~e, Esq,
FOR:
SEfOtD REALTY CORPORATION
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McCABE, WEISBERG AND CONWAY, P.C
BY, TERRBNCE J. McCABE, EAQUIRE
Identification Number 16496
First Union Building
'23 South Broad, Suite 2080
Philadel.phia, PennsYlvania 19109
(215) 790-1010
Attorney for Plaintiff
------------.----------
HOUSEHOLD REALTY CORPORATION
CUMBERLANP COUNTY
COURT OF COMMON PLEAS
v,
FRANK D, MACKINNON
SHAWN N, MACKINNON
NUMBER 98-1826 CIVIL
ORDE-B
AND NOW, this
~vJ-.
, 1998, the
~b day of
Plaintiff is granted leave to serve the Defendant, Shawn N,
MacKinnon, by regUlar mail; by certHied mail, return receipt
requested; and by posting by the Cumberland County Sheriff of the
COmplaint in Mortgage Foreclosure and all Subsequent pleadings and
the Notice of Sheriff I s Sale at the Defendant I s last -known address
of p,O, Box 12, 35 West Main Street, Apt, #4, Plainfield, PA 17081
and further by posting by the Cumberland County Sheriff at the
mortgaged property being foreclosed upon in the herein action known
as 145 Appalachian Drive, Carlisle, PA 17013.
BY THE COURT:
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Box 12, 35 West Main Street Apt, #4, Plainfield, PA 17081,
and correct. copy of the documentation .indicating t.he
att.ached hereto and marked as Exhibit "8,.
], Plaintiff investigated the Defendant's Voter Registration
Record, and was advised that the Defendant, Shawn N. MacKinnoh, is
not registered to vote in Cumberland County, A true and correct
copy of the lettel' dated May 5, 1998 indicating the same is
attached hereto and marked Exhibit .C..
4, Plaintiff contacted local direct.ory assistance for a
listing for the Defendant, Shawn N, MacKinnon; the Defendant is not
listed,
5, Plaint iff thElreaft.er at tempted to serve a true and
correct copy of the Complaint .in Mortgage Foreclosure upon
Defendant, Shawn N, MacKinnon, on or about July 22, 1998 at his new
address of p, 0, Box 12, 35 West Main Street, Apt# 4, Plainfield, PA
17081, However, the Sheriff advised that the D~fendant. no longer
resides at. said address and that. neighbors observed the Defendant
being removed by the Pennsylvania State Police, The Sheriff
further advised that no forwarding address was left at the Post
Office, A true and correct copy of the Sheriff's Return of Service
form indicating the same is attached hereto and marked Exhibit
A true
same is
liD,"
6, If service cannot be made on the Defendant, the Plaintiff
will be prejudiced,
WHEREFORE, Plaintiff prays this Honorable Court grant an Order
allowing the Plaintiff to serve the Defendant, Shawn N, MacKinnon,
by regular mail; certified mail, return receipt requested; and by
TBRRBNCH J. McCARfI
I.A W OFI'leliS
MeCADE, WEISDElm & CONWAY, P,C.
SlIlTIi 21180
I'II\ST lINION Illlll.lllNO
I2J SOllTlIlll\OAIl STI\IiIiT
1'llII.AllliLl'llIA, 1'liNNSYI.VANIA IYIIIY
(2Il) 7YO.1010
fAX (2Il) 7YO.1274
SlIlT!! 600
11611AOIlON AVUNIIIi
WIiSTMONT, NJ 01101
(609) m.7010
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100 PIFTII A VI!NUII
NIiW YORK, NY 10110
(112) !7l.1010
PA" (212) m.m7
May 5. 1998
Hureau of Elections
Cumberland County
37 East High Street
Carlisle, PA 17013
Dear Sir or Madam:
Upon receipt of this letter, I would appreciate your supplying
to me any current information, specifically in regard to a current
address, from the Voter's Registrat.i.on Record of the following
individual:
Name: Shawn N. MacKi.nnon
Last-known address: 145 Appalachian Dri.ve, Carlisle, PA 17013
I have enclosed a self-addressed, stamped envelope for your
convenience in forwarding this information to my attention,
Thank you for your anticipated cooperation in this matter.
Very truly yours,
V:-L . \\ ~ nn.
~ ,-e-,~~.Q~ ~, /"tL\.'t~
TER ENCE J, McCABE
T.TM/ld
Enolosure
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MoCABE, WEISBERG AND CONWAY, P.C.
BY' TERRENCE J. MoCABE, ESQUIRE
Identifioatiun Number 16496
Pir.t Union Building
123 South Broad Stroot, Suite 2080
Philadelphia, Pennsylvania 19109
(215) 790-1010
Attorney for Plaintiff
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HouBehold Realty Corporation
961 Weigel Drive, P,O, Box 8632
Elmhurst, IL 60126
G' ,
Cumberland County: --:1
Court of Common'. Plea;ef
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Frank 0, MacKinnon
145 Appalachian Drive
Carlisle, PA 17013
and
Shawn N, MacKinnon
145 Appalachian Drive
Carlisle, PA 17013
Number r;t- /<6J.1,
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CIVIL ACTION/MORTG~GE FORECLOSUR~
NOTICE
AVISO
You have been lued In court, If you wl,h to d.ftr<!
agaln.t the clllm. ..t forth In th. fOllcwlng
PS91., you must t.k. .ctlon wlthfn twenty (20) day.
efter thll c"""l.fnt end notice .re served, by
entering I written IIppearan-:::e personally or by
.ttorn.y Ind filing In writIng with the court your
def.nses or objections to t.he claims set forth
091lnsl you. You Ire w.rn.d th.t If you f.11 to do
.0 th. case may proce.d wI thout you a"" . Judgmont
m.y b. .ntered Ig.ln.t you by the court without
further notIce for .ny money cl.lmed In th.
complaint or for IIW other claIm or r.ll.f
r.quested by, tho pl.lntlff, You may 1091 money 0"
property or other rights importQnt to you.
l. h.n d...."".do a uated en te corte. SI Ulted
qulere doftnclorae de taU. demand.. ..-pue.t.. an
I.. psg In.. .fgulent.., USled tl.n. velnte (20)
dl.. de pla.o al psrtlr d. I. f.cha d. la demande y
I. notlffc.clen, H.c. felt. ...ntar UN
corrperenct. estrlte 0 en perlon. 0 con I.Il lbogldo Y
tntregar I l. corte en forma .Icrltl IUI deftna.. 0
sus obJeclent. a lIS demand.. on contra de au
per.on., s.. .vl..do que .t u.ted no .t defl.nd.,
I. cort. tomer. medld.. y puode contlnulr I.
d....nd. .n contre 'UV. Ifn prevlo avl.o 0
notlfloae!on, Ad.mo., I. cort. putd. deoldlr .
fevor d.1 demond.nte y requlere que u.ted 0"",1.
con todes lIS provlslones de .sta demenda. Ulted
puede perder dlnero 0 IUS propledad.. U otrol
derechos lmportantcs para usted.
YOU SHOULD TAKE TI.lIS PAPER TO YOUR
LAWYER AT ONCE. IF YOU DO NOT HAVE A
LA WYER OR CANNOT AFFORD ONE, 00 TO OR
TELEPHONE TIlE OFFICE SET FORTI.I BELOW TO
FIND OUT WHERE YOU CAN GET l-mL!'.
LLEVE ESTA DEMANDA A UN ABOOADO
INMEDIA T /\MENTE. SI NO TlENE ABOOADO 0 SI
NO TIENE EL DlNERO SUFICIENTE DE PAOAR
TAL SERVICO, VAYA EN PERSONA 0 LLAME
POR TELEFONO A LA OFICINA CUY A DIRECC!ON
SE ENCUENTRA ESCRITA ABAJO PARA
A VERIGUAR DONDE SE PUEDE CONSEOUJR
ASISTENCIA LEGAL.
Cumborl."" County Bor A..ocl.tlon
2 If borty Avenue
earll.I., PA 17013
(717) 249-3166
Cumborlend County S.r A..ocf.tlon
2 liberty Av.nu.
C.rlf.I., PA 17013
(7\7) 249-3166
".
McCABE, WEISBERG AND CONWAY, P.C.
BY, TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
First Union Building
123 South Broad Street, Suite 2080
Philadelphia, Pennsylvania 19109
(215) 790-1010
Attorney for Plaintiff
Household Realty Corporation
961 Weigel Drive, P,O, Box 8632
Elmhurst, IL 60126
Cumberland County
Court of Common Pleas
v,
Frank D, MacKinnon
145 Appalachian Drive
Carlisle, PA 17013
and
Shawn N, MacKinnon
145 Appalachian Drive
Carlisle, PA 17013
Number
CIVIL ACTION/MORTGAGE~ECLOSURE
1, Plaintiff is Household Realty Corporation, a corporation
duly organized under the laws of Delaware and doing business at the
above captioned address,
2, The Defendant is Frank D. MacKinnon, who is one of the
mortgagors and real owner.s of the mortgaged property hereinafter
described, and his last-known address .is 145 Appalachian Driv~,
Carlisle, PA 17013,
3, The Defendant is Shawn N, MacKinnon, who is one of the
mortgagors and real owners of the mortgaged property hereinafter
described, and his last-known address is 145 Appalachian Drive,
Carlisle, PA 17013,
'"
4, On June 25, 1997, mortgagors made, exeouted and delivered
a mortgage upon the premises hereinafter desoribed to Plaintiff
which mortgage is recorded in t.he Offioe of the Recorder of
Cumberland County in Mortgage Book 1391, Page 793,
5. The premises subject to said mortgage is described in the
mortgage attached as Exhibit "A" and is known as 145 Appalachian
Drive, Carlisle, Ph 17013,
6, The mortgage is in default because monthly payments of
principal and interest upon sai.d mortgage due November, 1997 and
each month t.hereafter are due and unpaid, and by the terms of said
mort.gage, upon default. i.n such payments for a period of one month,
the entire principal balance and all interest. due thereon are
collectible forthwith,
7, The following amounts are due on the mortgage:
Principal Balance
Interest 10/1/97 through 3/16/98
(Plus $38,14 per diem thereafter)
Attorney's Fee
Cost of Suit
Appraisal Fee
Title Search
$ 97,799,19
$ 6,976.06
$
$
$
.s..
4,889,96
225,00
125.00
200,00
GRAND TOTAL
$110,215,21
8, The attorney's fees set forth above are in conformity
With the mort.gage documents and Pennsylvania Law and wi.ll be
collected in the event of a third party purchaser at Sheriff I s
Sale, If the mortgage is reinstated prior to the Sale, reasonable
at torney I s fees will be charged based on work actually performed,
9, Notice of Intention to Foreclose as required by Act 6 of
1974 (41 P,S. ~403) and notice requested by the Emergency Mortgage
~!
YER;rll'ICATIO~
The undersigned, Renee Turner, hereby certifies that she is
the Foreclosure Specialist of the Plaintiff i.n the within action,
Household Realty Corporation, and that she is authorized to make
this verifi.cation and that the foregoing facts are true and correct
to the best of her knowledge, information and belief and fur.ther
states that false statements herein are made subject to the
penalties of 18 PA,C.S. ~4904 relating to unsworn falsification to
authorities,
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. RENEE TURNER
......
17 ',11;::-
113303 L MORTGA_G~
\ 0 IF BOX IS CHBCKl!D,l'llIS MORTGAOI; IS AN OPBN.BND MORTGAGD AND SRCORIlS FUTURD AI>VAI'iCnS
,THIS MORTGAGE is made this 25TH
FRANK D. MACKINNON
SHAWN N, MACKINNON
(herein ~B9rrower"), and Mortgagee HOUSEHOLD REAL TY CORPORA T ION'
a cQrporation o;ganlzed aQd exiSting under the laws 01 DELAWARE .
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25 OATEWAY.ORIV.E, S,UITE 101, MECHANICSRURO, PA 11065
(herein "Lender"), -
The 10110wlng paragraph' p"Bceded by'. checked box fsapi>ll~abl.;,
m WHEREAS, Borrower ia indebted to Lender in the principal sum 01 $ Ill, lQIl, 11l' ,
Cvia'enct.d by Borrower's Loan Repayment and Security Agreement or Secondary Mortgage .Loan Agreement 00'
JUNE 26, 11)91 and any extensions or renewals thereol (herein "Note"), providing lor monthly inslal1me
DI principal and interest, including ,any adjustments to the amount 01 payments or lhe contract rate il that r.\<
variable, with the balance 01 the Indeb.tcdne-IS, if not sooner paid, due and payable 011 JUNE 2~21
D WHEREAS, norrower is Indebted to Lender In the principal sum 01 $ ,'or'so much ther
as may be advanced pursuant to Borrower's Revolving Loan Agreeroent dated
extensions and renewals .thereor (herein "Nole"), providing lor monthly installments, and Interest at the rate and Ue.
the terms specifled in t~e Nole, including any adjustments in the interest rate If that rate is vari.ble, and providing 1<
credit limit stated in the principal sum above and an Initial advance 01 $ ____
TO SECURE to Lender the repayment 01 (I) the indebtedness evidenced by the Note, with interesl ther,
including any Increases if the contract rate is variable; (2) luture advances under any Revolving Loan Agreement; (3)
payment of all ,other Slims, with Interest thereon, advanced in accordance herewith to protect the security 01
Mortgage; .and (4) the performance 01 the covenants and agreements 01 Borrower herein contained, Borrower '
hereby mortgage; 'grant and convey' to' Lender and . Lender's successors and assigns the 'following described prOf
located il) the County of CUMBERL.AND" ... .. - ,. , .. . ..", .." ..... Commonw,
of Pennsylv8,nia:,., .....,. . " ' .
day of JUNE
l\'J-+t119 ~,o ~tween the Mortgagor,
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All ltl^T CERTWI PROPERlY SI Tumo IN THE TO\oll5lllP or SILVER SPRING IN
THE COUNTY Of CUiBERl~O /.NO COltION\fE^l HI ef PElIllSYlvml^. BEING HORE
rUllY DESCRIBED 1/1 ^ DEED omo 01/01/86 mo RECOROEO 01/01/11, /.NONG !tiE
l~O RECORDS or HIE CDUllY /./10 OWE SET rORTH ABGVE, IN DEED VGlUH! m
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TOOBTI-lER with all the improvements now or hereafter erected on tho property, and all easements, rigl
apl'urlenancCll and renta, all or which ahall be deemed to be and remain a part 01 the property covered hy I
Mortguge; and all or Iho loregolng, togother with laid property (or the leasehold estate il this Mortguge Is 01
leasehold) are hereinaftor rererred to as the 'Property," ,
norrolVer covenants that B.orrower Is lawfully seised 01 tho ~tate hereby conveyed and has the right to monga
grant and. convey. the fr,operlY, and that the property :is unencumbered, except for encumbrances or record, Borro'
covenants that Borrower warrants and will 'defend generally the titlo to the Proper.ty ngainst all claims and demall
subject ,to, enoumbrancesor-record, " ' .:
: ' !JNIFORM COVBNANTS,..Borrol'ler.and I.ender covenoM lIndagreo ps follows:
. ,; I.,Poyment of Prlnolpal and Interest at Variablc Rates, ,This. mortgage scc'ures all paymanLq or. principal I
interest duo on a variable rote loan, ,The contract r~te or Intere.st And payment amounts may be subject to chang;,
provided in the Note, Borrowers shall promptly pal' when duo.all amounts required by the No;e.. .
2, Funds lor Taxes and Insu~anee, Subject 10 Applicable Inw or waiver by Lender, Borroll'er sholl pal' 10 Len'
on the day monthly payments or principal and interest are pal'ablo under the Note, until the Note Is paid in full
IlJm (herein "Punds") equal to one'twelrth or the yearly taxe.> and assessments (including condominium and plarll
IInit development as.<JCS!Iments, if any) which may attain priority over this Mortgage and ground rents on tho Proper
ir any, plus one""\welhh or yearly premillm installments for hazard in.urallce, plus one-tl\'el~th of yearly premit
instnllmcnts fOI' mortgage insurance, if any, all as reasonably estimated initially and from time tei time bl' Lender
the basis of assessments and bills and re.1sonable estimates thereof, Do'rrowor shall not be obligated to make Gl
parments' of Punds to -Lender to the' .extent that Borrower'makes such "payments 10 the' holder oh'prior'm()rtga~e
deed of trusllf such holder is an institutional lender, . .
If Dorrower pays Punds to Lender, the Punds shall be held. in an Institution the deposits or accounls of which I
insured or gunranteed by a Pederal 0'1' state agency (including Lender if Lender is such an institution), Lcnder sh
apply the Funds to pay said taxes, assessments, insurance premiums and ground I"ents, Lender may not chorge for
holding and applying the Punds, analyzing said account or Verifying an~.compiling said assessments and bills, unl,
Lender pays Dorrowel' interesl on .the Punds and applicable la\v permits Lender to make sllch a charge. Borrower a
Lender msy agree in .writing at the time or execlltion 01 this. Mortgage thaI interest on the Punds shall be paid
Borrower, and unless such agreement is made or applicable law require" .such interest to be paid, Lender sholl not
. required to pay Borrower any interest:or earnings on~ the Punds, 'Lendorshall give .to Borrower, without charge,
ar"nual accounting 'of the Punds showing crodits' and debit..q ,to' ,h~. Punds: and .the . purpose . for which 'each debit to I
Funds 'WaSl made, The 'Punds are' :pledged as addilional secud ty. for' .the sums' secured ,by .this. Mortiaie" I, " " :
i ,Wthe amount of .the Punds held by,Lender,'.togother..with,the,future monthly"lnstallments:of"Punds"payahle prior
the due dates br,taxes, assessments, insurance premiums and ground rents;'shall exceed the amount required to pay 51
taxes, assessment..., lnsllrance premiums. and: groundrenls as they fall. duo, such .exces.s shall be, at Borrower's optic
either promptly repaid to BorrOwer or credited to Borrower. on monthly. installments or .Punds, If the amount or \
Funds held by Lender shall not be, sufficient to pay laxes, assessments, insul"ance premiums and ground rents as th
fall due, Borrower shall pay 10 Lender any amount necessary \0' make up the deripiency in one or more pal'rnenLq
Lender may requi re, .,
Upon payment In full or all sums secured by this Mortgage, Lender shall promptly refund to Borrower sny rur
held by Lender, If lindeI' paragraph 17 hereof thc Property is sold or the Property is otherwise acquired by lend
Lcnder shall apply, no I~ter than immediatel)' prior to Ihe sale of the Property or Its acquisition bl' Lender, an)' Fur
held by Lender at the lime of application as a credit against the sums seCUred 'by this Mortgage,
3, Appllcetil)n o)'Payments, 'EXcdpT'torro'n~'hi~dii'plir"ijiinninlic'Per"nsylvania 'Consumer Discount Comprl
Act, ~II p^yment!: n,coived by Lender under tho Note and paragraphs I arid 2 hereof shall be a?plied by Lender [irst
payment of amounts payable to Lender b)' Bo,'rower und... "paragraph 2 .hereof, then to interest, and Ihen \0 I
principal. "
4, Prior Morlgages and Deed of Trllsr: Charges; Liens, 'Borrower Shall perform all 01 Dorrower'. obligntk,
under ony mortgage, deed of trllst or other security agreement with a lien which has priority over this Mortga,
including Borrower's covenants to makc pa)'Olents Ivhen due. Borrower shall poy or cause to be paid all tax
assessmcnts and other charge.s, fines and impositions attriblltable .to th. Property which may attair, a prioritr ol'cr tl
tvlOrlgage, and leasehold .payments or ground renls, if nny, .
5, IInl.ord In'llrancc, Borrower shall keep the improvements 'now existing or ,hereaher erected on the Propel
il,,:\ired agoinst loss by fire; hazalds incltlded within the term "extended. coverage," and such other hazards' as Len'
may. require, .. .
The insurance c.rrier provldillg the. insurl.nce shnll be. chosen by tho Borrower subject to approval hy Lend
provided, that sllch upproval shall not be unreasonahly withheld, All insurance polioies ana renewals thereor shall be
a form acceptable to Lender and shall Inc1\lde a sland~rd .lllorlgage clause in favor of and in a form acoeptable,
Lender. Lender shall have the right to hold the policies....rid rQf\ewals'tryereol,. subject to the terms of any mortga
dced of trust or other security agreemenl with a lien which has j'rioriiy 0\'0;' this Mortgage,
Boox1391 fAGE 79'1
11.:n-" Mono.go PA
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In the event of loss, Borrower shall gl'e prompt notice to the l~surance carrier and Lender, Lender mal mal',. pro. ,
01 loss If not made promptly by Borrower,
It the Property is abandoned by Borrower, or if Borrower /ails. to respond to Lender within 30 dal's from the da
notice is mailed by.Lend~r to Borrower that the insurance carrier offers to settle a claim for Insurance benefits, Lender
authorized to c~lIect and ~pply the insurance procw.ls at Lender'~ option either to rMloration or repair of Ihe Pmperty. "
10 the aums seeured by Ihls Mortgage,' ," '., .." . ,,' '.' ..... . ,
6. Preserv.tlon and Malnteoance of Property; Leaseholds; Condominiums;. Planned"Unll'Developmenl' ,
Borrower.shall keep Ihe Property in"good repair and shall notcommit waste or permit impairment or deterioration ( .;'
. ',Ihe 'ProperlY and'shall 'comply with the provisions of,a"y lease If this Mortgage Is on a leasehold.. Jr this Mortg'Ge is 0 ')
a unit in.a condominium'or 8 planned unit development, Borrower shall perform all of Borrower's <lblig.tions und, J
the decl.ration or coven.nts creating or' governing the condominium or planned unit del'elopment, the by'lull's .... " .!
regulations of the condominium or planned unit development, and constituent documents, '..
7, Protection of Lender's Security, Jr Borrower fails to perform the covenants .nd agreemen\.5 containeJ in Ih . '
Mortgage, or if any nction or proceeding is commenced whleh materi.lly .ffeclS Lender's interest in the Property, th, I
Lender, at Lender's option, upon notice to Borrower, may make such appearances, disburse such sums, Ineludi, ! '
reasonable .ttorneys' fees, and lake such action as i. necessary 10 protect Lender's interest. I.
Any amounts disbursed by Lender pursuant to this paragraph 7, with interest thereon, at the contract rate, sh' !
become additional indebtedness of Borrower secured by this Mortgage. Unless Borrower and Le~der agree to oth i
terms .cif p.yment, .Sllch:amounts chaU-.be payable upon notice from Lender to .Borrower requesting payment there( I
l':othing contained in .this par.graph 7 shall require Lender to incur any expense or take any action hereunder, ~,
8, Inspection, Lender may take or cause 10 be made reasonable entries upon and inspections of the Proper' i
provided that Lender shall give Borrower notice prior to any such inspe<:tion spe<:ifying reasonable cau.e there! "
relal',d to Lender's interest in the Property.
9, Condemnation, The proceeds of any award or claim for damages, direct 0" consequenti,!., in connection with"
condemnation or other laking of the Property, or part thereof, or for conveyance in lieu or condemnation, are he"
assigned and shall be paid tn Lender, subject to the lOrms 01 any mortgage, deed of trust or other security agreem'
whh a Uen.which has priority over this Mortgage, . .. .
.. 10..,BorrolVer Nol Released; Forbear.nce By. Lender Not a. .Walver, Extension ollhe' time .for 'payment H
'. modification .ollamortizationof the; sums secured .by .this Mortgage 'granted by',[,ender.'to any successor.in interest l)
Borrower shall,f)ot;operate to' release.. in ,any'manner,..the.liability"lol the orlgihal .Borrower,'and : Borrower's succeSs ~j
. 'in 'Interest.,'.' Lender shaU not'be required' to ,commence proceedingsagainst:such .successor or refuse 10 extend time '
. payment or ,otherwise modify amortiwtion .ol.thesum.s' secured by. thls:Mortgage by reason' of any demand 'made !\
.the original.. Borrower' and Borrower's successors 'in dnterest. ':Any.. forbearance .by .Lender' in 'exercising any right i 1
remedy hereunder, or .otherwise a!lorded .byappllcable law, shaH not be 8 waiver 0/' or preclude the exercise 01 i I
such right or remedy,.' '
.11. Successors .nd Assigns..Bound; Joint and.Several..Liabillty; Co.sigoers, The covenants and agreem' I
herein contained shall bind, nnd the rights hereunder shall inpre to, the respective successors and assigns 01 Lender :
Borrower, subject to the provisions of paragraph 16.hereof. All covensnts and agreements of .Borrower shall bc : :
and several. Any Borrower who co.signs this Mortgage, but does not execute the'Note, (a)-is co.s:gning this Mort [
only to mortgage,. grant and convey that Borrower's interest in the Property to Lender under the terms 01 r
Mortgage, (b) is not personally liable on the Note or under this Mortgage, and (c) agrees that Lender end any ( I
Borrower herClinder may agree to exte~d, modify, forbear; or make.any 'other. accommodations with (ecard to
terms of this Mortgage or the Note without that Borrower's consellt and without rcleflsing that Borrower or modi'
this Mortgage as to Ihat Borrower's interest in the Property,
12, Notice. Except for .ny notice required under applicable law to be given in .nother man~er, (a) en)' noti :
Borrower provided for in this Mortgage shall be given by delivering it or by mailing such notice by certilied "
addressed to Borrower at the Property Address oral such other,address.as Borrower may designate by notice \0 L' l
as provided herein, and (b) any notice to Lender shall be given by certilied mail to Lender's address stated herein P.
such other address as Lender may. designate by notice to Borrower as provided herein,' Any notice provided lor j: /'
Mortgage shall be deemed to have been given to Borrower or Lender when gil'en in the manner cesignated herein. ( 'i'
.13.,Ooverning.La.w; Severability,. The stale and local laws applicable to this Mortgage shall be the laws ( , ,
jurisdiction )0. which. the ProJ<Crty.is located. .The foregoing sentence shall .not limit the applicab:lity of Federal' J :
this Mortgage. In Ihe event that any provision or clause 01 this Mortgage or the Note conWclS with applica 'ole la" I
conrti<;.t shall not .allect other provisionS"Of this Mortgage or the Note which can be' given eriC(;twithout the conr. i
provision, and.to this end the provisions of this Mortgage and tho Note ere declared to be se,:erable. 'As used Ii'
"COSISi' "expenses" IInd ".ttorneys' fees" include all sums to lhe eKtent not prohibited by .p,\ic.ble I,,, or Ii I
herein.
14, Bc:rrower'f,J;ppy: ~~rrower shell be furnished a conformed copy of the Note and of this Mortgage lit tt. I
of execution or afWe "ecord.tton hereof. ,Bood391 rAGE 795 I
".22"S Mon.... "^ OAIOIN',L mW!~~IIIIIIIIUIII~llilll!lll\II~llllllil\lllllll\m'III~11III~UI\lIlilll\111 I
-4-
I', Rohlblllllllon Loan Acroomont. Bo,rower Ihall luVIII all or Borrower's obll,al!ons under kn)' I.or
rehabilitation, Improvemont, repair, vr othor loall a.reomont which Borrower enters Into with Londer, Londor,
Londer'o opt inn, may require DorrolVer to execute and deliver 10 ~,ender, in alarm leoeptablo 10 Lender, an aS3ig'nmr
01 any rlshts, elalms (Ir delena.. whieh Dorroil"er may I.ave I'Glinat partlM who aupply labor, m8lOrlals or aerv;c...
connection with Improvemonts m4de In the ProperlY,
16, Trans/or or tho Property, If Borrower sells or Iranalora III or any part 01 the ProperlY or an int.,.
thorein, exoluding (a) the oreatlon 01 I' Ii.en or encumbrance aubordinate to this Mortgage,. (b) a transfer by devi'
df..scent, or by operation 01 law \lpon' ine dealh 'or a )oint tenant, (0) the gra'nt of any leasehold interest 01 threo renrs .
I... nol containing an oplion tq rurchane, (d) lhe creation 01 a purohaae money security interest lor househv
l~plhncC8, (e) ft transler to a relalivo rMulting from .the deMh 01 a 'Borrower, (t) a Iransler where the spo~Jse ,
childreil'ollhe Borrower oecome an owner 6f the properly, (e) a transler resulting Irclm a decree of diwolu:ion '
marrikge, legal "eparation agreemenl, or Irom an incidental properly "ollloment agreement, by which the spouse 01 t"
Borrower \,ecom..s ~n owner 01 th~ properlY, (h) a transler inlo an inter l'il'Os lrunt In which tho Borrower is .,
remains a beneliciary and which does not relale to '8 transler 01 rlghts 01 OCCupancy in the property, or (i) anr otl,
transfer or disposilion c1Meribed In regulations prescribed by the Federal Home Loan Bank Board, Borrower sh,
cause to be submitted inlormation required by Lender to evaluate the Iransferee as il a now loan were. being made ~..
the transleree, Borrower will conlinue to be obligated undor .the Note and Ihis Morlgage unless Lendcr releas
Borrower In writing, . , .'. ,
If Lender docs not 8gree to such sale or transler, .Lender mal' declare all ollhe sums secured by this Mortg.g" to 11
immediatel)" due' and' payable, I1"Lellder. tXol'cisC3 ,sue'h- option -to accelqrate, Lender shall-mail Borrower notice "
acceleration in accordance with paragraph q hereol,:, Such notice shall provido a period 01 not loss' than 30 days Iro,!
the date the notice Ie mailed or delivered within which BorrOWer may pay Ihe sums declared due, If Borrower lail,. I '
~ay such sUms prior to the expiration of such period, Lender may, wiihoul lurlher no lice or demand on Borrowc
invoke any remedies permitted by paragraph 17 hereol, .
NON-UNIPORM COVENANTS, Borr~lver and LMcler lurth,er covenant and agree as tallows:
17, Acceleratioo; Remedies, Exeepl as provided in paragraph 16 'hereot" upoo Borrower's breach 01 aD
Covenant or agreement at Borrower 10 this Mortgage, iocludlng tbe covenants to pay when due an)' SUIT.
~ecured ,by this. Mortgage, Lender pdQr to acceleration !shall give ootlce. to Borrower as provided j
p.ragraph 12 hel'eol speeifylng:' (I) Ihe .~reach; (2) the 8clloII required to cure such breach; (3) 8 date, II'
' less Ih.n 30 days Irom thc' dato the notico is 'mailed to Bod-ower, by' wblcb' sucb breach must be curod; an
'. . (4) that.failure to cure.such breach on. or. belore..tbe date,'specl/led ,in .the ootice may 'result III acceleralio
of tbe sums secured by this Mortgage;' loreclosy're.by. judicial. p~oceedlng, and.sale':'t the Property, n.
notice shalllurther inlorm Borrower 01 'tho rlgbt to reinstato after acceleration and Ihe rigbt to assert in tl,f.-
forcclosure proceeding the nonexisteoce 01 a'd~lault or ar..y other delcnse of Borrower to accelcratlon an i J,
foreclosure, It tbe brcach is not cured on or betore the dnte SPecified in' the oat Ice, Lender, al Lender', )
option, msy declare all ot the sums secured by Ihls Mortgage 10 be. immediately due and payablo wltho"ll
further demand nnd may loreclose tbis Morlgage by judicial proceeding, Lender shall be entitled to collcq
In such proceeding all expenses 01 toreelosure, Inc;ludlog, but not limited to, reasonable nltorneys' fces an i !
costs of documentar}' evidence, abslracl, aod Iltle'report~.,., i .
18, Borrower's Right to Relnstste, Notwithstanding Lender's acceleration of the sums by this Mnrtgago due t i
Borro"er's breach, Borrower shall have the right to have any"proceedings begun b)' Lender to enforce this Mortgal-j ,
discontinucd at any time prior to e.ntry of a judgm.nt enlorci~'g:this Morlgage il: (a) Borrower pa)'s Lender all SllIL.
which wOLlld be thcn'due under this' Mortgage and..tho Note' had no. acceleration occurred; (b')I1J3<tfl'c\~:'~r, 'Cllres n I
bre.chr,s of any other covennnt" or agl'cements of Borrower containc" 'in this Mortgage; '(e)B6rro\\,er':'paY5 "I
reasonable expenses incurred by Lender In enforcing the eo~enants and agreements at Borro\';-~r',cont~ine(Lin th.[
Mortgage, and in enforcing Lender's remedies as provided ih paragraph 17 hereot, Inelud,ing, but neW limited), I
reasonable attorneys' fees; and (d) Borrower takes such action as Lender may reasonably require to, assore th~t"-\.!i," 1,.0 \
nf this Morlgage, Lender's interest in the Property and Borrower'~oblignlion to pa)' the sums seeur~, bj' this,.l\lo:-i~a!!
sh,1I continue unimpaired, Upon such payment and curo by' Borrower; this Mortg9g~. and.,the' obligalj.oit~'..scoure 'l.
hereby shall remain in fulllorce and eflecl as if no adeeleration had occurred. .;: 1,li:;',~,~~,.\", ',1;. iJi"":,i';f .' 'p.
19. Assignment of Rents; Appointment of Recio;ver, As additional securily he~e~~.~t,.i'~!Mo~~r~e}~t'",~ig: I"
to Lender the .rents 01 the Properly, pro,vided that Borrower s~all. priOI' (0 acceleration 'rin9dr.~ri('~~h'JJ:7:~i~of, i. i
abandonment of the Pl"Operty, have (he right to collect and relam such rents as they become tl'u\Irgnd' pa7~~)p", I'
Upon acceler.tlon under paragraph 7 hereof Or ~b.ndonment of tho PrOperlY, Lender shall'b~lleAlliled 10 hr,ve I"
receiver nppointed by a COllrt to enter Upon, lake possession 01 and manage the 'Propertr and to colleclthe rents ,,[ tl.l
Properly Including those past due, All retHs' collected b)' the receiver shall be applied lirsl (0 pa)'ment of the COSl' , i
manngcmenl of the Properly nnd collectioo of rents, including, but 1I0t limited to, receiver's leM, premiums 0 i
recoivor's bonds and reasonable attorneys' lees, and Ihen to the sums secured by this Mortgage. The receiver shr,11 II
linble to aCCOUllt only lor those rOil IS actually received, " i'
, . ,',: . ,BOOK 13 91 PAGE 'i'96 '
',""
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; 20, Rele..e, Upon paymenl 01 .11 sum a .ecured by this MortgAge, Lender sh.1I r.lense this Morlgage wllh!)\ll ChMj"
to Jlorrower, Borrower shall p.y.1I cosU! 01 recordation, If any,
21, W.lver 01 HomeSleld, Dorrower hereby waives all righl of homO$tead e!emption in Ihe Property under SIll"
or Ped.rallall'. . '
22. Inleresl Rate Allor .Judi:rnenl. Borrower .sr'ees the inleie1l1 rate. p~yable' alter 5 Judgmenl.la.enter<d on tl
Note dr in .ri action ol'mortgage toreclosure shall be the rsle st.aled in the Note. ...."
. "',' '.'; ;.0,;' ". t". '.. ' , . ,. .' " ,."" ,', " .,.,.',' . ,
.' .
..r. " j .
REQUEST POR NOTICE OF DEJ1AULT .
AND FORECLOSURE UNDER SUPERIOR
MORTGAGES OR DEEDS OF TRUST
,.
" /:
, '.'
,---'---
'.'
. . .
Ilorrower and Lender request the holder of any morlgage, deed of trust or other encumbranco whh a lien which f,
priority over this Mortgage to give Notice to Lender, at Lender's address sel torth on page one 01 this Morlgage, of any (\,,1.
under the superior encumbrance and 01 any sate or other loreclosure action,
IN WITNESS WHEREOF, Borrower has executed thi.. Morlgage,
W' :
!;la1C~
RITA A KEEl.EN
0d.~
RITA A KEELEN
_#-A{)?/~~
Fr?r 0 ~1AJKINN?N'"orr~'
~..:::!-~~~k<-r---.!:::
SHAWN N HACKINNON . .Ilorro
I hereby certify that the precise addres.. 01 the Lender (Mortgagee) is:!iOUSEH~O FINANCE
. 25GATEWAY.'ORIVE SUITE 107' MECHANICSBURG PA '. :1.70'55" . .
.On,\iehallof'\ti6)..ender,'BYI' . M'ATJ:. HER.MAN . ." . .Jitie:'.ll1lAtil:.lLMAN~r,FR
. " .<.' "t. " . ' - ,. " '
. COMMONWEALTHOFPENNSXLVANIA,:... CUr~BERl'ANO. ",Gountyss:'
!, i1 (\;'TH EH p' ~\ Ef1NA N '. .. .~. ~ N~tary Public in 'and ronaid ~ounty and stale, do hereby certHl' Ihat
~RANK .0 MACKJ.NNON~AWN N ~IACKINNON - .'
personally known to me to be the same person(s) whose name(s) _ ~,.~ subscribed to the roregoing ;nfitrUO
appeared belore me this day in perSOn, a~d acknowledge that.-L hey__ signed and delivered the said instrume
_ . the 1 r Iree voluntary act, lor the uses and [lurposu therein set r
Given under my h.ml and a!ficial 86al, this -
25th " _d.yor .J.IJNE
~~
'\'21-96 Mono'lJ' rA
0. This instrument was prepared by:
. :L~:.h t2.;;: ~~-
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O~'l%'~~ 13:27
'ZS'uo ~7~ UH
(;REE~E
~(t'IJ
"
NOTICE OF ltiI:;NTl9~JL FO~ECLOSE MClRT3AGE:
Customer(s) I Fra~k D. Macki~non
^r.d Shawn M Mackinnon
Address, 145 Appala~h~in Dr,
Carlisle, PA 17013
Acoo'Jnt NUt:lber: '71330)-00-926086
Date of Loan: 7/02/97 Date
Credi tor: HOl.JSEHOLD REALTY
COR POAA':' ION
Phone: (BOC)333-saa Ext 6593
Address, 961 We!gel Dr"P,O,
Box SS32,Elmhura:,IL 60126
vf Notice; Deoember 23, 1997
The 140RTGAGE: held by HO'!ij\Jho~:i Realty Corporation, d/b/a 'Househo!c
Firlance Consumer Discount CO!:1pany (hereinafter called ',Ie, us or ours) on your
propert.y looated at 14S Appalacha:.n Dr.. Carlisle, Pennsylvania, IS :14
SERIOUS DEFAULT because you have no: made the ""on:.l:ly payrr.ent of $1,.176, 9 ~
~or the month 0: October ar~d $1,177,01 for the nlonth of November of 1997
inc~usive. L"te charges (ar:d (Ither charges) have also acc.t'u~d to this date in
the a",ount of Snone, The toeal aT:lount nO~1 required tc cure ::.r,is defau:e, or
in other wOl'ds, get caught up in your pa}'TTlents. as of the da::.e of this lee t el'
is $2,354.00,
You may cure this default within THIRTY (30) days of the date cf this
letter, by paying to us the above am:;J\Jnt PLUS any additional monthly pa}'11\sr:ts
a~d :ate charges which may fall dup. curing this period. Such payrr.ent must be
made either by cash, cashier's check, oertified che~k or money order, and
made at ~61 Weigel Drive, P,O, BVA 8632, Elmhurst, II, 60126, Payme~t ~ay be
mace by mail, but must be received in our office by the time specified by
t. his not ice,
If YOU do no::. c:Jre the default within THIRTY (30! DAYS, we b:end t.o
,exeroise Dur ricrht tel accelerate the m:>rtg3ae DaYments, 'rhis means tr.at
whatever is owing 0:1 the original amount bo~'rowed will be considered du",
inunediately ar:d you ""ay lose the c:~anae to payoff the original mortgage in
r.\onthly inst.allmer:ts, If ful: payment of the amDunt of default is net made
withi:1 THIR':'Y /30) DAYS, !'Ie ~ ir,tend to ~n9trllct our attorneys to etart it
:a""suit to fDrec10se your mortaaaed nror.;ertv, !:" the mOrtaaCle is fc~ecl':>sed
your mortaaged pron~rty w~ll be scld bv the Sheriff tD payoff the ~crtq~
debt. If we refer your case to our attorneys, but you cure the default
before they begin le3al pro:>eedir.gs against YO'J., you wi 11 st ill have to pay
the reasonable attorne}"s fees, a-;tually incL:rred, up to $50,CO, However, i:
legal proceedings are started agai.nst yo'.!, yot: lOill have to t:'ay the
reaso:iable att.Drney's fees eve:1 i:' tr,ey are over $50,00. Any attorney's fees
will be added to whatever you D',le 1:5, whi.cr. may also include our reasonable
costs, H YOU CI:re the default \'~t:1i..!l the tnirtv dll',' 1:,e1'iDd, YOU vl:.ll not b~
~'equired to Day attorney's-1.s.g,!,!-,- \o1e may alae; sue you perse,nally for the
un[Ja~d p~i.ncipal balanCe; and al j other su;-:-,"" due under the lI\ooctgage, If J'<'\\
have no: cured the default with~n the thirty day period ar.d fcre:::losure
proceedings havEl begu:J, YOU stEl........QEtvE! tr.IL.X.istLto cur" the default Jllld
12r.e.ve~lt..J:..be sale....ftL.,anv t.ime un to "r.E! houl;:
before the Sr,edff.' s fore::losure sale. YOLI!J.~~~..Q" S0 C\' pavinq t::~ t,ot<!."
!ITl~ of the ur,paid montr.l y payments plus a:w-1ft.te or Q.t.her charces ;;.11\: '!
gue.. as we1: as ~l:L!.!i.!l.scna~1e atton,ey's fees-illL9 costs connectec \,'i.th 1;,;\'.'
furec1csur.e sale (and l1erfo~m an\' other requJremente under the l1'.ortcarJ"U..
It is es~imatBd that. the ear:iest date that such a Sher.iff's Sale could b'
r.eld would be approximat.e:}' six (6: months from today, A nDtioe of th
dat.e c:' ~he S:1erif.f's Sale will be sent to you te:ore the sale, Qr
COurse, the amount needed tv CLre the default will increase ~he 1c~ger YOL
~/ait, You mll)' find DUt at any tir.-e exactly what the required payrr.e:1t wiL
be by calling us at th.. follm!ing number: \eOO)333-58~a Sxt 659:;. Th.;';
EXHIBIT "8':'
03'1$'P$ 13:27
'ZS'~I" H~ UU
';REE,~E
paymer.tmust be in cash, cashier's ch~t!r., certified oheck or mone~' order and
made payable to us Bt :he address sta:ed above,
You sho'..lld realize tha~ . Sheriff's SlIle wlll end YOl.:r ownerehip of toll",
mortgaged pr:::pert~' ar,c;\ your right to remaln bit, 1f vou cont inue to 11-1.)
in the property aft-er the S~;erif!'~ SlIlo, II la\~suit r.ould be started to Ilvic::
YOl;,
You have additbr:1I1 rights to help prot.ect rOllr interest :!.:J th~
property, YO:! HAVE THE RIGHT TO SELL TilE PROPERTY TO OBTA:N ft.OI-lEY TO 'P^Y Qi-'?,
TilE MORTG/IGE DEBT, OR '1'0 BOFtP,:lW r-:Olf~Y FROM A.NOTHr:n LENllI:01G :NSTIn;TION TO PA'{
OFF THIS D8B'1'. YOU )1AY HJIVE THE RIGH':' TO SELl. OR ':'RANSFER '1'1'1:;: PROPE:F.';'{
S:JEJECT ':'0 THE ~ORTGME: TO A BtriER OR TRANSFEREE WHO WIL:' ASSUME THE MORTGAGE
DEe1', PROVr:JED THAT ALL THE OUTS'l',l\~D!NG I'A\'MENTS, CHA.'WES, ,IU;D ATTORNEY'S
FEES AND COSTS .~E PAID PRIOR TO OR AT 1':lE SALE, At\D THA':' 1'HE OTHER
REQUIREMEN1'S m:DER THE MOR,'GME ME SATISFIED, CON1'ACT US TO PETERMINE mIDER
WP~T CIRCUMST~~CES THIS RIGHT MIGHT EXIST, YO~ f~VE ThE RIGHI TO HAVE THIS
DEFAULT amED BY ANY THIRD PAATi' ACTING ON YOUR BEHAl.,",
J~u c'Jre the default, :he Inortqaae will be restor.&>L.t.Q the aamfi.
r.>ositicn as if r,o defau:t had occurred... HO\~eVer, YO\l are no: e:Jt~tledto
thi.s right to oure your default more t ~n three times In ar.y ca.:endar year,
yours,
'LA___
BY,
Ashton Greene, Esg,
FOR:
EHOLD REALTY CORPOR/,TION
Si Uj, no comprende el contenido d~ aate aviso tanga 1a bondad de ha,:er
traducirlo ya que contiene in:olma.cio~ de 9Um& imp~rtancia con respecto a su
pro~iedad,
NOTE: Unless you not~fy this off~ce ',~ith~n thirty (30) days after receiving
this notice ::hat you dispu:e the va~idity of this debt 0:- ar.y portior,
thereof, this office will asgu~e that tta debt is valid, If you not~fy this
office in writing with~n thirty (30) days from receivin9 this eotlce, this
of:ice will.: obta:.n varif:.cat~.on 0: the debt or obtain a copy of judgmeet and
mail you a copy of such jud<;Jl11ent or \'e::ificatiOI:. Y6u are also advise:3 tha~.
any informiltion \~hi",l: you supply tc this uffice ma)' be used bl.' US in the
0011ec:100 of :he debt. :f you reques: this o~fice in wr::ing within tti:-ty
(30) days af:er receiving, this office wi:l provide you with the name and
addrBss of the original c:-editor.
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TUE AC'l'ION '1'0 SAVE YOt1R I!QMiLI&QM. rORJ:CLOSUllE
The Co:nmonwe.lth of IJennsylvar,~a' '" llQmeowner' 0 Emerge:lc)' Mor::gligt
AlHlstance Program may be tlb1e to ~,elp YOl':, Read the follo.,.,ing notice to
find out how the prograrr. works,
La notificacion e:'\ ad-unto es de E1uma i.mportancia, pues afecta au~
derecho Ii continual" vi\'iend? ~Il flU casa, 5i no c::>mprende el cor.tenido de
ellta not i Headon obtenga ur,a traduc',: ~or. il:\Ined~ atamer.t8 llamanda esta ageocia
(pennsylvania HO'.lsing Finance /,ge:1c}': sin cargos a~ flumero mencio!,\ado al'riba,
puedes ser elegible pata un prestano por el programa lla:nandc "Homeowner' Iil
E:nergency r~ortgage Assistance Prcgrarr" ",1 cual puede salvaI' &U c.-,a de 1a
perdida del :Ierecho a redimir au h.l.poteca,
!.Mi.W'AN'I I NOTICE OF HQrg;OWNE~
IDiE-BQ1JNCY MORTGAGE ASSIS'l'AllliE ACT OF 1.Jl.!U
P~EAS~ READ THIS KOTICE, YOU MAY BE ELIGIBLE FOR
FINANCIAL IISSISTAI\CE 1',1HCE CAN SAVE YOlJR 1-I0l':E FROM
FORECLOSl.l',E AND HE:"P YOt: 11lJ<.E FU,URE MORTGAGE l'AYtl.ENIS
Customer Ie) : Frank D. Mackin~on
and Shawn M, M3okin~cn
Address I 145 1\ppalachaw [It',
Carlisle, PA 17013
Accou:1t N'.Imber: 713303-00-926(189
Pate of Loan: 7/02/~7 Date
eredi tor: ;.JOU8EHO:'P RI!:ALTY
CORPORAT:ON
Phone: (80:>) 333-5648 Ext 6593
Address: 961 Weigel Dr"P,O,
Boy. 6632,Etmhurst,lL 60126
of Notice: Deoe:nber 23, 1997
:iQ!!r Tnortgaqe :'6 in~J...c;.~ because you have faUed to pay
promptly installnente of principal ar.d interest, a9 required, for II period o~
at least sixty (60) days, The total a:nount 0: the delinquency is $2,354.0C,
That sum inoludes the fol :owing: $1,176,99 for the month of October .\I~d
51,177,01 for the month of Nove~~er of 1997 inclusive.
You may be eliaible ~or financial assistance that w;ll prevent
,Loreclosure on your me,ngage if you comply with the prOViS10:lS of the
Homeowners' Eme1'gency Nortga:!e Ass~stance Act of ::'983 (the "Act"), '{ou maY
be eligible fol' e{;1ergency temporary assiatanr;e if YO'Jr default has beer,
cll".lsed by circ".lltscanoes beyond }'our control, and if you meet the e1igibi lit)'
reql.ll!'ements cf the Act as determ:ned ty the ?ellnsylva:'lilil Housing Finance
Agency, please read alU.Ltbis Notice, ItSQD.,l;Ains an explanation of VO".l':
:r.:oht$, .
Under the Act, you are entitled to a te~porary stay of fDrecloeure on
your mortgage for thirty IJOl days ~rom the dAte of this Notice, During that
time you have the right ~D arrange a
"face-to-face" meeting with a represe~tative o~ this lender, or
with it designated CCllS'.lmer credi: couns'.Jl ing agency. The pt:rpcse 0: that
meet.ing :s to attempt to work a~:t a ::-epaYI1'.er.~ p1,m, 01' to othenli98 set:le
yo\\r delinq,:ency, ThAt. meetir.q mt:st....Qcc\.!.U.n t'le ns>st thirty......ilQ.l dave,
:f you attend 1\ :ace-to.face ~,eetir,9 with this lender, Ot' w:..tl1 "
COn9IJner credit co\.:.ns~1i:lg agency identi.Ee::J in t'lis notice, r,o further
proceeding ~n m::rtgage fo~'ec:08\lYe may take place for thirty (30) :laya after
the da~e of that meetir.g,
':'he aal1'.e, address and telep:,one nu~\be, of our representative is: Jirr.
Dadian, HO'~6eho1d Realty Corp:)l'a:ion, 9f.l ~jeigel Dr" P,O, Box 8632,
Elmhurst, Il. 60:26, 1-800-333'594B Ex~' 6~93.
....~
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The nanes and addt'esses of designar.ed c:;r,9urr,er credit counselin\l ag"lOlOo
are attached. It is only neo9snary to schedule one fac~-:o-face mee:ing. Yo~
should adv~Ge t~is lender irrmedlatcly of your inte~tion9,
If you have tried and are unable to resclve this problem at or after
YOUI' face-to..face meet~ng, Y::JL have :r,e dght to apply for fir,an:ciill
sss~stance ft'om the Ho:neownet'S' Emergency M:>rtgsge Asaletance F'Jr,d, In ordl'll'
t,~ do this, you m',lst f11.1 O'Jt, sign, And file II coer.pleted H::Jr.\eownllrs'
Emergency Assist'.lnce Application wi:h the Pennsi'lvania i-loull~ng Finance
Agency, The consumer credit counseling agency will aSllist YOL in filling out
your applicl\:ion. ILm.u.at..JllLtiled .2L12011tmilrk~d w~.tJ11rL!lI.:...l:J:v (30\ days or
VOUI' fac~-to- face n~
It is extt'elle:y ir.1pcI"tllr.t thOle YOU fil~ YOla' Ilpplication oro\llptlv, J..;.
Y9U do not do so. or if yo~ dlJ not follow th!i'....Q.~.me periods set forth in
this letre!', for.eclosure mav procl"ed lIClllill.i.t._.)!:Ola' home immediately,
Ava lable funds for emel'gency mol"tgagi'l 3lssistam:e are very limi-:ed.
They will be dhi:ll.lrsed by tr,e Agen<:y u:1der th... eligibili:y criteria
escabliahed by the Act, . .
It is extremelv :lmoor':snt :r,at 'lour ~:i..ill!.;J&1l is accurate and comolete
in ever.... r'espe~ The counseling agenoy 'Hill help you to fill out the
application, 1he Pen:1sylvania Ho'~sing Fi:'Ianc,,~ger,cy has sixty (Gel duys to
mllke a deoisio~ after it receives your applioa:ion, During that additiona:
tims. no roreclos'lre proceed~ngs ."ill be pursued against you if yo\: have :net
the t~me requirements set f,:>rch above, Ycu will be notified directly by that
Agency of its decision 0:1 your a~p:ication,
The Pennsylvan~a Ho~sing Fi~ance Agency is located at 2~~1 North Fro~t
Street, P,O, Box 8029, Harrisb~rg, FA 17105. Telephone No, 17171780-3800 or
1-800-342-2397 (toll free nU:nber).
'{ou must either mail your application to the pennsyl \'a:1ia Housing
F:.nance Agenoy, or you m\.:st file it at the office of O:1e of the designa-.:ed
oonsumer credit counsel ~:1g ag~noies UB:ed abO'I!!,
An applioation for assistanoe may be obtained from this lender, from a
conSUmer credit cO'.lroseling agency, or directly fl'om the Pennsylvania Housing
Finance hgar,cy,
Enclosed also is another notice [:;oom -:his lender "ndel' Act 6 of 1974, ':'hat
r,otice is called a "Notice of Ir,tentior, to Fot'aclose Mortgage". You must l'cad
both no-.:ices, sir,ce they both explai~l r:ghts tr.at you nOH have und",r
Fennsylvania law, However, if )'o'~ cho::>se to exercise your ::-ights described ir.
this notice, we cannot foreclose upon you during tha: t.ine,A:ac, i~ yo\.:
receive financial assistance fnm the pennsylvania Housing Finance Agency,
your home cannot be foreclosed upon while yo~ are rec~iving that as~istance,
By: James Ashton GJ:"ee:1G, Esq,
FOR:
SEY.OLD REALTY CORPORATION
v-c -
on Green,e, Esquire
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MoCABE, WEISBERG AND CONWAY, P.C.
BY, TERRENCE J. MOCABE, ESQUIRE
Identifioation Number 16496
First Union ~uilding
123 South Broad Street, Suit. 2080
Philadelphia, Pennsylvania 19109
(215) 790-1010
Attorney for Plaintiff
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Cumbe:r;-land County, __,
Court of Common' Plea:,s
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Household Realty Corporation I
961 Weigel Drive, P,O, Box 8632 I
Elmhurst, IL 60126 I
I
v, I
I
Frank 0, MacKinnon I
145 Appalachian Drive I
Carlisle, PA 17013 I
and I
Shawn N, MacKinnon I
145 Appalachian Drive I
Carlisle, PA 17013
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Number r'Y- /<?,)It
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~VIL ACTION/MQRTG~~ORECLOSUR~
NOTICE
You have be.n aued In court, If you wl.h to d.fend
.galn" the cl.lms set forth In the following
poge., you IIlJSt toke ectlon within twenty (10) days
.ftar thl. c"""l"nt und notice ore ..rved, by
entering a written appearilnce personatly or by
attorney and filing in writing with the COUrt your
dn1ensu or objections to the claims set forth
.galnst you, You .re wernad that If you fall to do
so the case may proceod wi thout you end a judgment
may be entered against you by the Court without
further notlc. for any money clalll1<ld In tho
compl.lnt or for .ny other cl.lm Or r.llef
requested by the plalntlfl, You may 1090 money or
rropcrty or othor right. IlI'jlOrtant to you,
AVISO
l. han d....nd.do . u.ted .n t. cort., ' Sf u.ted
qufer. defenderse de .stlS demandas ex'puest.. en
t.. paglnau .Igul.nt.., u.ted tl.oe v.lnt. (20)
die. de pl.,o al port! r de la fech. d. I. d_ndo Y
t8 notlflcaclon. Hac. lath ...ntar Una
cOOl'8fencl1 escrha 0 en persona 0 con un lbogado y
entregar . I. corte en forma escrlte IU' defenses 0
f;IJS objeclones a tas demanda9 on contrl de 8U
persona. Sea avlsado que st U9tfSd no It deftenell,
I. corte tomar. medldas y pu.d. continuer I.
demanda en oontra suya ofn pr'l/io 11/180 0
not I Ilc,clcn, Ad....., I. corte pued. d.cfdl r 0
fovor del d....nd.nt. y r.qul.r. que USlId c,"""t.
con toda!i tas provlslones de este demanda. Usted
puedo perder clinero 0 sus propledadu u otrol
derechos Import antes para ustod.
YOU SHOULD TAKE THIS PAPER TO YOUR
l.A WYER AT ONCE. IF YOU DO NOT IIA VE A
l.A WYER OR CANNOT AFFORD ONE, 00 TO OR
TELEPHONE 'IllE OFFICE SET FORTI I BELOW TO
FIND OUT WHERE YOU CAN OET HELP,
l.LEVE ESTA DEMANDA A UN ABOGADO
INMEDIATAMENTE. SI NO 'fIENE ABOOADO 0 SI
NO T!ENE EL D1NERO SUFICIENTE DE PAOAR
TAL SERVICO, VAYA EN PERSONA OLLAME
POI{ TELEFONO A LA OFlCINA CIJY A DUl.ECCION
SE ENCIJENTRA ESCRITA ABAJO PARA
A VERIOUAR DONDE SF. PUEDE CONSEOUIR
ASISTENCIA l.EON,.
Cllllb.rl.nd County aor Assocl.tloll C""'.rl.nd Ccunty Bar Assocl.tlen
2 liberty Avenu. 2 Liberty Av.nue
Certl.l., PA 17013 Carll.l., PA 11013
(717) 249'3166 1'~ c-;opy FRot.t Reoof.IO 249'3166
In TIltiWlOlly WI1enJof, , here unto .. my "-
~ ~ ot S3i at Cartlsle" ~'f
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4, On June 25, 1997, mortgagors made, executed and delivered
a mortgage upon the premises hereinafter described to Plaintiff
which mortgage is recorded in the Office of the Recorder of
Cumberland County in Mortgage Book 1391, Page 793.
5, The premises subject to said mortgage is described in the
mortgage attached as Exhibit "A" and is known as 145 Appalachian
Drive, Carlisle, PA 17013,
6, The mortgage is in default because monthly payments of
pr'incipal and interest upon said mortgage due November, 1997 and
each month thereafter are due and unpaid, and by the terms of said
mortgage, upon defaul t in such payments for a period of one month,
the entire principal balance and all interest due thereon are
collectible forthwith.
7. The following amounts are due on the mortgage:
Principal Balance
Interest 10/1/97 through 3/16/98
(Plus $38,14 per diem thereafter)
At torney's Fee
Cost of Suit
Appraisal Fee
Title Search
GRAND TOTAL
$ 97,799.19
$ 6,976,06
$ 4,889,96
$ 225,00
$ 125,00
s.....--. 200.00
$110,215,21
8, 'rhe attorney's fees set. forth above are in conformit.y
wi th the mortgage documents and Pennsylvania Law and will be
collected in the event of a third party purchaser at Sheriff's
Sale, If the mortgage is reinstated prior to the Sale, reasonable
attorney's fees will be charged based on work actually performed.
9, Notice of Intention to Foreclose as requl.!'ed by Act 6 of
1974 (41 P,S, f,l403) and notice requested by t.he Emergency Mortgage
I 7 'J l' t:.~
113303 r MORTGAGEl
\ D IF noi< IS CHBCKllD, TUlS MORTOAOD IS AN OPEN.END MORTOAOC AND SIlC:VRCS FUTURD ,o\DVANCIIS
-THIS MORTGAGE Is made this 25TH
---
FRANK D, MACKINNON
Sf'IAWN N, MACK I NNON
'(Fierein ;'Bw.ower" ), and Mortgagee HOUSEHOLD REAL TY CORPORA T I ON
a cQrporation organized nnd exi8ting Unaer the law8 of DELAWARE"" .
25 GATEWAV :D'R'j iiE .. siJl \'E'" 101, '~lECHAN I CSBURCCPA--i '1065
{hcrein "JJeiido~--
The following paragraph' precedod by" a checked box is applicable,
m WHEREAS, Borrower is Indebted to Lender In the principal 8um of $ m, -/Og, 19 .
cvTa'enc~-<1 by Borrower's Loan Repayment and Security Agreement or Secondary ""lVIOrlgage toan Agreemeii\,f(;\
JUNE 25, 1091 and any extensions or renewals thereor (herein "Nnte'), providing for monthly Ins\~II:nel
or principal aiia Inte'resi;""induding .sny adjustmr.nls to Ihe amount of payments or Ihe cnntract rate If lha! rale
variablo, with the balance of the Indeb.tedness, ir not sooncr paid, due snd payable on JUNE 26,2021
D WHEREAS, fiorrower is Indebted to Lender in the principal sum of $ .' or' 80 m~'ch the"
as m'ay be advanced pursuant to Borrower's Revnlving Loan Agreement dalOt] "
eXlonninns and renewals.thereof (herein 'Note"), providing fOl' monthly installments, and interest at""i1ieriitcaii"dun(
the terms specified in !ho Note, Including any adjustments In Ihe interest rate if that rate Is variable, and providing 10
credit limit stilted in the prin?lpa1 sum above and an Initial advance of $
TO SECURE tn Lender the repayment of (l) the indebtedness evidencCd by tho Note, with lnterwl lhere
including any increasM If the contract rate is variable; (2) future advance.s under any Revnlvlng Loan Agreement; (3)
payment of all. other sums, with Interest thereon, advanced in accordance herewith to protect the securlt)' of t
Mortgage; .and (4) the pcrformsnce of the covenants and agreements of Borrower herein contained, Borrower d
hereby mortgage, 'grant and convey' to' Lender and. Lender's successors and bssigM the 'followlng de.scribed prr.1"
located In the County of CUMBERLAND " , ,.... .... .,.. Common\\'e
of Pennsylv~nia:, .. .. - .,. ...
clay 0' JUN E
19 91 0 between the Mnrtgauor,
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AU lHAT CERIAtll PROIERIY SllVAlEO H' THE TOI.llSfIlP or SILVER SPRING IN
IfIE COUNTY or CL~6ER11JI0 /.110 COIIiOIMEAI HI or PEr~19YLV!.lHA, BEHIG HORE
rutlY OE9CRlaEO IN A DEED DAlEO 01/01/86 !.lID RECORDED 01/01/16, AlIONG IHE
lllNO RECORD9 or THE COtlllY ~'IO STAlE SET fORTH ^BOVE, IN DEED VOIIJNE m
111I0 PAGE 654,
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TOGETHER with all the lmprovem..nts now or herealter erected "n the property, Bnd III casements, ri.~ht
appurlenances .nd tents, all 01 which shall be doemed to be and remain a purt of the properly covercd hl' th
Mortg_ge; and all 01 the loregoing, together with said properlY (or the leasehold estole II this Morlga~e is on
leasehold) arc hereinalter rererred 10 as the 'Properly," ,
Borrower covenants IhAt B.orrower is lawlully seised 01 the e,<Itote hereby conveyed and has the right 10 mortaaC
grant and. convey .tho fr,operty, and that Ihe property:is uncncu!nbered, except for encumbrances 01 record. Ilorrow,
covenants that Ilorrower warranta and will 'delend generally the title to Iho Proper.lY against all claims end ch;n1dlld
subJect ,to , onoumhrances'ohecord,',' '
: r UNfFOnM COVENANTS,,,Horrower.and l.endor coycnah't hn~-agrcc ~s fo\lows: . ,
.,: I..Paymenl or Principal and Interest ot Variable Rates, ,This. mortgage secures all payments of. principal al
Inteiest due on s variable rate .loan.,1he conlract rote of Intere5t and payment amounts may be subjoct to chnnge I
provided in the Nato. Borrowers shall promptly pal' when due all amOl.lnts required by the Note" .
2, Funds for Taxes oncl Insurance, Subject to spplicable law or woiver by Lendel', Borroll'er shall pal' to Lenc,l,
on the dol' monthly paymonts or" principal and interest are pal'oblo uoder the Note, until the NOle is paid In lull,
sum (herein "Punds") equal to ono..twelhh ot the yearly ta~c.s and o""essments (including condominium snd plannt.
unit development assessments, If any) Which mal' attain priority over this Mortgage and grouncl r.nts on tho Proper I;
if ony, plus on.-lwelfth 01 yearly premium installrnenl~ for hazard insurance, plus olle-llVel:lh of l'carly premlUl
installments lor mortgage insuraneo, if an)', all as re,"onably estimated initially anrl from time to timo bl' Lender 0
the basis of as!Jcssmcnts snd bills and rcosonablc estimates thercof, Belrrower shall not be obligated t(> make suc
pal'merits'of ~iunds to 'Lendor to ihe',e~lent th31 Uorrowennakc.s suoh "payrnC;"\ts 10 thc'holderof'a'prio"r'mr.rtgage (
deed of trust if such holder is an institutional lender, '
II Borrower pays Funds to Lender, the Funds shall be held in on institution the deposits or accounts 01 which ar
insured or guaranteed by s Federal or "tate ag.ncy (including Lender if lAnder is such an institution), Lender sha:
opply the Funds to pay said taxe<:, osseS$menLI, Insurance premiums and ground rents, Lender may not chorge for.
holding and spplying the Funds, anolyzing said account or verifying cnc).compiling said assessments and bills, unles
Lende,' pays Dorrower intorest on .the Funds ar.d applicable laiv permits Lender to make such a charge, Borrower an
Lender may ogre. in .writing at the time at e~ecution of this Mortgage that interest on the Funds shall be paid t
Borrower, and unle",.. such sgreement is made or applicable law requires .such interest to be paid, Lender sholl nOI t
, required to pay Borrower any intQrest:or earnings on', the Funds, 'Lend~rsholl give .to Borrower, without cha:ge, il
arnual ilccounting 'of the Punds showing credil" ond debits ..to th... Funds and .the 'purpose 'Ior which 'each debit to It,
Punds .wa!;, modo, The 'Funds sre' :pledged as additional security. for .Ihe sums' secured 'by this Mortgage,..,"',
,Il'the amount of the Funds held by:l.ender...together..with..the,fulure monthly" installments ,0f"Punds"payable prior t
the duo dates of.taxes, as!Jessmenls, Insuranc. premiums and ground reots,'s~all exceed \he amount required to pai' sa:
taxes, assessments, insurance premiums.on{g:ound-rents as they 'loll. due, such.excess'sholl b., at Borrower's optior
either promptly repaid to Borrower Or eredit.d to Borrower.on monthly, installments of .Funds. ii the amounl of tl
Funds held by Lender shall not be; sufficier.t to pay ta~es, assessments, insurance premiums and ground rents as the
fall due, Borrower shall pay to Lender any amount necessary tomoke up the defipiency in on. or more payments .
Lerlde: ",oy require, '
Upon payment In full of all sums secured by this Mortgage, Lender shall promptly refund to Borrower ony fune
held by Lender, If under paragraph 17 hereo: the Property is sold or Ire Propel"ly is otherwise a~quired by Lende:
Lender shall apply, no later than immediately pdor to the sale of the Property Or its acquisition bi' Lender, anl' Fun'~
held by Lender at the time of application as a credit ogainst the sums secured by this Mortgage,
3, Application of.'Paymenls. 'EXcepT'fo~..tn:iOs'hi~dc'pi.irsuanno"th"Pei1"nsylvaliia 'Consumer Discount Compan
Act, .11 payment" received by Lenclc:r under the Note and paral:raphs I Ilrid 2 hereof shall be applied by Lender fim i
payment of ilmounts payable to Lender b)' Borrower under "parilgraph 2 .hereof, thon to Interest, and then to ti.
principal.
4, Prior Mortl:ngcs and Deed of 'frust; Charges; Liens, 'Borrower shall perform oil 0/ Bor:ower's obligatior..
under ony mortgage, deed of trust or other security ogreement with a lien which has priority OVer thlt; Mortg.g,.
including Borrower's covcnants to mokc p,yments when due. Borrower shall payor causo to be paid all laxe
assessmenls and other charges, fines and impositions attributable to the I'r(>perty which may attair, a pri(>rity o\'er thi
Mortgage, and.lcaseholdpayments or ground rellls, if any, .
5. ]It.7.Rrd ]usiJcanco, Borrower shall- Ket? the improvemt.nts -now existing or .horcafter ereci~d on the Propert
insured against los:) by fire; hazarclsillchlrled ,vitoin tho tel:m "e~tended coverage," and such other hazards'a~ Lendt
mal' . require,
lhe insurance carrier providing the insu,.".ce shall bo chos.n by the Borrower subjeot 10 approval by Lence.
provided, that sll~h "pproval shall not be tln,ensonably withheld. Alllosllrnncc policie~ and ren'II",1> thereof shall be i
· form acceptoblc to Lender onel shall include a stalld~rd .mortgage clause in favor of and in , form acceptable t
Lender, Lendor fih.1l have the right to hold t:,o policics....rid renewals'lhercof,. subject to the terr:;s of allY mortgag'
deed of trust or othCI security agreement with a lien which hos priority over' this Mortgage, .
BOO! 1391 PAGE 79'1
11'21'95 MorlOllyo F'A
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In the event of loss, Borrower shall give prompt nollce to the Insurance carrier and Lencler, Lender ma~' mal:. proo
of loss II not made promptly by Borrower, '
Ir the Property ia abandoned by Borrower, or if Borrower hils. to respond to Lender within JO da!'S from the dat
notice is mailed by.Lendur to Dorrower th,t Ih3 insurance carrier offers to settle a claim for insurance benefits, Lendor i
authorized to collect and apply the Insurance proce~ds at Lender's option either to restoration' or repair of thePruperly 0
IOthesumasecurcdbythlsMorlgage,'" . ,.', .,., ,.:,,'.......'" ,'" ,
6, Preaervatlon and Maintenance 01 Property; Leaseholds; Condominiums;, PI.nned':Uolt'Developll\ents,
Borrower.shall keep the ProperlY in good rep,ir and shall nonommit waste or permit Impairment or deterioration 01
.,the 'Property .nd'shall 'comply with tho provlsionc. of ,any lem:e il this Mortgal:e is on a leasehold, II t:1is Mortg'w' is or
a unit in'a condomlnium'or a plannod unit development, Borrower shall perlorm a1\ of Borrower's obligationc. linde,
the declaration or eOVMant. eroati ng or governing the eonclominium or planned lInlt development, the b}'"laws anc
regulation. of the condominium or planned unit development, and con.tituent document",
7, Protection or Lender's Security, Ill3orrower rails to perrorm the covenants and agreements contained In thi:
Mortgage, or IC any action or proceeding Is commenced which materially aflects Lender's Interest In the Property, thel
Lender, at Lender's option, upon notlco 10 Borrowor, may make such app~arances, disburse slI,h sums, includln,
raac.onable attorneys' fees, and taka !luch action as Is necesMry \0 protect Lender's interest.
AnI' smounts di.bursed by Lender pursuant to this paragraph 7, with interest thereon, at the contrnct rate, sha'
become additional indehtedne,ls of Borrower securcd by this Mortgage, Unless Borrower and Le:ldcr agree to othe
terms ,of paymenl, ,such:amollnts shall'.be 'payable l'pon notice Irom Lender to Borrower requtJling payment thereof
Nothing conlained in this paragraph 7 shall require Lender to Incur any expense or take any actiun hereunder,
8, Inspection, Lender mal' take or cause 10 Ix: made reosonable entries upon and inspection. of the Propert)
provided that Lender shall give Borrower notice prior to any sllch inspection specifying reasonable cause therelc
related to Lender'" interest in the Proporty,
9, Coodcmnation, The proceeds of any aW1.1d or claim for damages, dil'ect or consequential, In connection with or
condemnation or other taking of the Property, or part thereol, or for conveyance in lieu of condemnation, arc heret
assigned and shall be paid to Lender, subject to the tcrms of any mortgage, deed of trust or other security agreeme)
with a Iienwhleh has priority over this Mortgage.
10...13orrowel' Not Released; Forbearance Dy Lender Not a..Waiver. Extension' 01 the time.for 'pa)'ment.'
'. modificatioh .of ,amortization of the. sums secured .b)' .this Mortgage'granted bytender,'to any successor .in into)'cst
Borrower shall ,,,ot ,operate to' release, in :any ,manner,..the.liability;of the origiha1.Borrowe,,'and:Borrower's suec"'~qv
'in 'interest.".' Lender shall not 'be required to ,commence proceedings againSt :such .successor or rel\iSeto exteno . .
paymont. or ,otherwise modily amort<zation .of the sums'sc<:ured by. this:Mortgago by reason' of a~y demand 'made .
. the original" Borrower and Borrower's successors 'in dnterest, 'Any.. forbearance .by Lender' in 'exerclsing any right
remedy hereunder, or .otherwino afforded b}' applicable law, shall not be a waiver of' or prc<:lude the exercise of a
such right or remedy,.'
,I J. Successors and Asslgns.Bound; Joint and,Scveral'.Llabillty; Co.signers, The cOl'enants and agreeme
herein contained shall bind, and the rights hereu~der shail in~)re to, the respective successors aad tssigns 01 Lender <
Borrower, subject to the provisions of paragraph 16.hereof. All covenants and agreements of .Borroll'er' shall bo jc,
and several. Any Borrowcr who co-signs this Mortgage, but doc. not execute theNoto, (a)'i~ CO"s:gning this I\o\ortg
only to mortgage, grant and convey tha, Dorrower's interest in the Property to Lender under the te\"ms of t
Mortgage, (b) is not personillly liable on the Note or under this Mortgage, Rnd {c} agrees that Lender and any ot
Borrowl:r hcrclinder may agrl.e to extend, modify, forbear; or make'.any 'other. accommodations with ~egard to
terms of this Mortgage or the Noto without that Ilorrower's consellt "lid without rclear,ing thilt Borrower or modil'
this Mortgage as to that Borrower's illterest in the Property,
12, Notice, Except for any notice required under applicable law to be given In another man~er, (a) an}' notie,
Borrower provided lor in Ihis Mortgage shall be given b}' deliverillg it or by mailing such no\ice by certilied I
addrCSRed to Borrower at the Property Acdrcss or at such other.address.as Borrower mill' designate by notice to Lc:
as provided herein, and (b) nny notice to Lender shall be given by eertiliecl mail to Lender's address stated herein (
such other addrc..," as J.endul'ma}' dc..lignate by notice to Borrower as provided herein, Any nolice provided for in
Mortgal:o shall be deemed to hlll'o been given \0 Borrowcr or Lendel' when given in the noanner designated herdn,
.13"Govc.mlng La.w; Sel'erabllity.- The ":'Ie and local laws spplieableto.this Mortgage shall be the laws o~
juri.diction )n which ,the I'roJl6rty . i!l loce\cd. The foregoing sentence shnll not limit the applicab:iity 01 .Federal.l.
this t..'lortgage, In the event that any provision or clause ofth!' Mortgage or the Note conflicts with appllcllbie law,
conflict shall not ,,,ffect other provisionnf this Mortgage or the Note which c1-n be given eriect without the conlli
provision, and to Ihis end Ii", provlslo:)5 of Ihis Mortgage and tho Note arc declared to be se,\'erable, 'As used h,.
"costs," "expenses" llod I'ottorncys' fces" include all sums to the t.:'h~l\t not prohibited by ap?\icable law 0:- Iii
herein,
14, nOfl"o\l'er'~,rpP}', Borrower !lhr,11 be furnished a eonlormed copy or the Note and of this Mortgage at the
of execution or aft"r.~'eGOrd'tion h<:,'eol. ,nooKi391 P^GE 795
I\IIIII~ il\\I\IIIIIIIII\11111II11111 \11I1\1\~IIIIIIIII\\I\I\II\III\m ~IIIIIII:~II!IIH \HIIII
OIlIO";'.l
11'2]-{l5 Mn1l0"~" "A
15. Rehablllta~lon Loan Agreement. Borrower al::lllul,lill all of Dorrowor'a obligations under un)' loon f
rehabilitation, Improvement, repair, or other loan agreement which Borrower oMera Into with Lender, Lender, 1\1,
Lender'a option, may require Borrower to execute and deliver to ~ender, in a lorm acceptable 10 Lender, an assig'nm.
01 any rights, claims or delenses which Borrower may have a'cainsl partlM who supply labor, materials or servicCll
connection with improvements m4do to the Property, . '. ! '
16, Transler 01 the Properly, Jr Borrower sells or Iransfers all (lr any pari 01 the Property or an inter<;
therein, excluding (a) Ihe creation o( a' lI.en or .encumbrance subordinate 10 Ihls Mortgage, (b) a transler by dnvj, .
descent, or by operalion of law upon' the death 'of a 'joint tenant, (c) the gr/lnt" 01 ony leasehold interest 01 three )'e(,rs' I.
I""" nol containing an option tq purchase, (d) the creation or 0 purchose money security interest lor hO\lsehu ".;.,
appliance.s, (e) a Iransfer to 0 rclotive resulling from 'Ihe death 01 a 'Borrower, (f) a Iransfer where thc spo'.Ise , ~'
childreii' of the Borrower become on owner or the propcrt)', (g) A transfer rcsulting Irnm a decree 01 dissolution, "'..
marriage, legal separolion agreement, or rrom on incidental property seltlement agreement, by which Ihe spour.e of ti . .
Borrower becomes an owner of the property, (h) a Iransfer Into an Inter vivo" trust in which Ihe Borrower is al , '
remains a benericiary snd which docs not relate to 'a transrer or rights of occupancy In Ihe property, or (i) an)' oth 1
transfer or disposition described In regulation" prescribed by the Pederal Home Loan Bank Board, Borrower sh, I
calise to be submitted inrormation required by Lender 10 evaluatc the tranr-reree as if a ncIV loan were. being made t I.
the transreree. Borrower will continue to be obligated lindeI'. the Note and this Mortgage unless Lender Ideas I
Borrower in writing, ' '. !
If Lendcl' does nOI agree to sllch sale or tranr.fer, .Lender may declare all of Ihe ~ums seeured by this Mortgage to I i
immedialely' duo' and' payablc, If "Lellder ,exel'cises ,such- r'plion 10 accelerllte, Lender sball' mail Borrower notice , ~
accelerlllion in accordance wi th paragraph 12 hereof,:: Such notice shall provide a poriod or nOI los.<' than 30 da)'r. frol ..
the date Ihe notice is mailed or delivered within which Borrolver mol' pay the slims declared due, If Borrower fails t .
pay such sums prior 10 Iho expiration or such period, Lender may, without further notice or demand on Borrowe I
invoke any remedies permitted by. paragraphl7 hereof. . .
NON'UNIFORM COVENANTS, Borm\ver and Lender furl~er eovenant and agree as lollows:
17, Acceleration; Remedies, Except as provided in par8graph 16 '1Ier60I,., upon Borro\l'er's breach of 00
covenant or agreement of Borrower iD this Morlgage, iDcluding the coveD'ants 10 pay when due any sum
fecored . by this Mortgage, Le"der priOI' to acceleration I,shall give notice to Borrower as provided I ;
paragraph 12 hereof speeilying:' (I) the .~reacb; (2) the action required to cure such breaeh; (3) a date, n,
'Iess thsn 30 days from the' date the notice is 'malled to Borrower, by' whicb' sueb breach mosl be eured; on
.. . (4) thsHailul"o to cure .suclr breach on or. before..the date. specified ,in .the notice may "fOsult In acceleraUo
01 the sums seeured by this Mortgage; force1o's~reby. jUdicial. p~oee..ding, arid .sale 01 the Propertl" Tt. ,
notice shall further inform Borrower of the righl to reinstate aher acceleration and tbe rilht 10 O$se1"l in III )
loreclosure proceeding Ihe nonexistence of a'd9fault or any other defense of Borrower to aceeleretion an I
loreclosure, If Ihe breach is not curcd on 01' before Ihe dote spucified in'the notice, Lender, at Lender' I
oPlion, may declare all of the SUms secured by this Mortgage to be. immedialelydue .nd parable withul '1
lurther dcmand snd may foreclose this Morlgage by Judici.1 proceeding, Lender shall be entitled to colle, :
III such proceeding all expe"ses of 10recl.osure, Intiluding, but nOI pmited 10, re.sonable altorneys' fees all I'
costs of documentary evidence, abstracts and titleroports!.'
18, Borrower's Right to Reinslate, Notwithr.tallding Lender's aceeleration of the sums by this Mortgage ,be t I
Borrower's breach, Borrower shall have the right 10 h,ve any"p'roceedings begun by Lender to enforce this Mongal; ,
discontinlled at any lime prior to entry of a jlldgment enforciii'g,:this Mortgage if: (a) Borrower pays Lender all sum I
which would be then 'due undor this' MOl1gage and"lhe' Note' had no. aeceleration occurred; (b')':;nar'filti'f.,r, 'cure,s a: ,
breacbes of onY other covenant.. or ngreement, of 1l0rJ"C!\\'cr contained 'in this Mortgage; '(c) llorrowei':'pa)'s I,
rcasonable expenses incurred by Lender in enforcing the co~enints and agreements of Borrower' co,n..illed :in Ihi
. ", ,- - I'"
Mortgage, and in enforcing Lender's remedies as provided ih paragraph 1'1 hereof, Inoluding, but Hot.' Ii 1l1ited ,Ie
reasonable attorneys' loos; and (d) Borrower takes such .ction as Lender may reasonably require to, assure 'thaHlio '!in
of this Mortgage, Lender's interest in the Propcrt)' .nd Borrower'sobligation 10 pa)' lhc sums sec\lr~d. b)' this)yl~?f,ag
f,hall continue uni mp.ired, Upon stloh payment and CUre by' Borrower: this Morlg!'g~. and.. the' cJblig.li.on~',:sccu.re
hereb)' shall rem.in in full force and effect as if no ad,celeration had occurred. ";"';1:>";".':0:~'.\""(/:: :i.~r/,i'i:.'
19, Assignment of Renls; Appointment of Reteiver, As additional security he~6$]af.'r..i~~b,W~i~e~P1~~;;.i-sigr
to Lender the fents of the Property, pro~ided that Borrower s~all, prior to acceleration 'iin9d~~rif~p:~:;J:'Z.:))e~'cof, i
nbandonment of tho Property, h.ve thc fight to collect and retam slIcb rents M the)" become O\.t'r~r.d' paY..\j\;;""
Upon acceleration \Jnekr pnragraph 7 hcrcof or ahandonmont of Ihe Propefly, Lender shall b~"ehl;tltd to h"ve
recciver appointed by 8 COllrt to onter lIpon, take possession of and manage Ihc'Property And 10 collect the rents r,f II.
Property including those past due. All rents collectcd by the receiver shall be applied first to paymcnt or tho c"~~' ,
nHtf\agcmonl of the Proporly and collection of rents, including, but not lirnitc.d to, recciver'r. fees, 'premiums 0
receiver's bnnds and reasonable attorne)'s' fees, and then to IhoHums secured by t~is Mortgage. The receiver sh.11 I
liable to account only lor those rents Actually received, :.
'.'
: .'
,nOOK 13 9t rnOE 796
11'21.fj~ Mnrtgllgo r~\
ORIGINAL
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" 20, Rel.ase, Upon payment 01111 ~ums secured by this Mortgage, Lender sh.li release Ihls Mortgage without chMgc
10 Dorrower, Dorrower shall pay all costs 01 recordltlon, II any,
21. Waiver 01 Homeslead, Dorrower hereby waives all rlghl 01 homeslead elemption In the Property under Slllt<
or Fede,rat law, ' ' '
22. IlIlerell Rale Aller .ludcmell\: Dorrower agrees Ihe interesl rale, payable' aile; a Judgmenl.ls.enlered ()n Ihl
'Not'; CJr In an action 01 'morlgage loreclosurcshall be Ihe rate Slaled in Ihe NOle. . .,,'
. ,.,," \.),':.....1.... "',"" . "':' '. " . ' '., '. ...' ." . '
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,REQUEST FOR NOTICE 01' DEJ1AULT . , ", .
AND FORECLOSURE UNDER SUPERIOR ,...,-;--,..:......,.."...--,-....-,-------
MORTOAGES OR DEEDS OFl'RUST
,,'
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.' '
Borrower and Lender rcquesllhe holder or any mortgage, deed 01 Irust or other enCllln brance whh e lien which ha
priorilY over Ihis Morlg.ge 10 give Notlee to Lender, al Lender's addre.o;s set forth on page one of this Mortgag., of any delau',
under the superior encumbrance and of any sale or other loreclosure action,
IN WITNESS WHEREOF. DorrolVer has executed this Mortgage.
lt1.~- #{JK~~?~
RITA A KEELF}l F/)"'JK () M~2KINNr ~llorr~lY:
rj]).d.&- ~,/J)I.(f)~
RITA A KEELEN SHA\1N N MACKINNON. -Dorrow
I hereby certify Ihal Ihe precise address of Ihe Lender (Mortgagee) is:~~~OL? FINANCE
. 25 'GATE~IAY"DRIVE SUITE 107-' HECHANICSBURG PA '170'55' .,
. -..' --~~....---" ' - -~
.0n'behall ol''t.t)~~ender,'BY:' 'M'AIT. \iERHAN . ~ ': :, .ri,ie:'.l3..B.AJli;.l:U1AM.{l.lillL~
...,.,. " .~~ . . . '
" COMMONWEALTH OFPENNS)'LVANIA,: ,', CllIWERL'AND. ': GounlYSS: .".
I, ~liiT'fH E~~..RH~..~~_ ' B N~tarY Public In 'and lor said ceunty and state, do hereby certi!)' that'
___ FRANK.11 I~ACKINNON F. SHA~HLJ! HACKl~NON..- --
personally known to me 10 be the same person(s) whose name(s) ...----8.1:.a_ subscribed 10 the loregoing inotrUm.
appeared bel ore me this day In persoR' a~d acknowledge Ihat_.-t- hey~_ signed and delivered the said Instrumen
_ .... .. tel r Iree voluntary aCI, IN the U50S and purposes therein sctlo
GIven under my hand and official seal, this --
25th ...:::>,---cayof .}\W.L...-.--- ,19.9
-~~
,nooK1391rAGE 797
o This in5trument wa5 prapared hI':
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'CUO 314 GIU
CiREE~E
~cn2
NOTICE OF I~T~~P~ 70 fOKECLOSE MORTGAGE
customer(sl I F~ank 0, MaoKi~non
IIr,d Shawn M. Mackinnon
Address I 14 S Appalachll in Dr,
Carlisle, PA 17013
!>Icco'"mt Nunber: 713303 -00-926088
Date of Loan: 7/02/97 Date
Creditor: H01JSEHO~D REALTY
CORrDRA':'ION '
phone: (60C1333-S848 Ext €593
Addre~s, 961 We~gel Dr"f,O,
Oox 8532,Elmhurs:/IL 60126
of. Notice: Decemb~r 23, 1997
ThE< HORTGAGE held by HO'J."ho:::i Realty Corporation, d/b/a Househo!,:
Finance ConslJmer Disccun: company (i:ereinafter called ',Ie, us or ours) on your
property locattld at 145 Ap\-".Iacha:.n Dr" C"rUole, pennsylvania, Ifl :14
SERIOUS DF.FAUl,T be;;<.lUS;;l you nave no~. mad,. ~.l,e n'.on'~r,ly p~y\r,eI\t of $1,,1'16.9.
~or the month 0: October ar.d $l,ln ,01 fer the ~\on~h of November of 1997
inc~usive, Lata oharges (ar,d otl\91' charges) have also tlccru!!.d to this date in
the lI"ount of ~one. The total ar:1O'Jnt noYJ requ j, red tC cure ~.r.is de~au:t, or
in other word.., get eau....h: up in yeur payments, "s of the da~f, of this lettet
is $2,354,00.
You may cure this dehult \;ithin THII'.TY :30) days of the date cf thj,s
lettet., by paying to us the above am:Junt PLUS any additional monthly payments
a:Jd :ate oharges whie:"1 may fall du~ e,'Jring ~his p€lriod, Euch payrr.ent must be
made eithel< by caHh, cashier's cr.e::k, certified check or IT.oney cl.'der, and
made at 961 Weigel Drive, P,O, Bo;.: 802, Elmhurst, Il, 60126, payme:-:t r.\ay be
made py mail, but must be reoeived in our office by the tir~e specified by
this notice,
If vou dQ nQ; gC-,!.re the_default wit-hin THIR:tLJ30.L.J21>,YS, we i:'.ten<L.!;.Q
exeroie.:e our riqh\: to accelerate the-I!l2.n;g...ge pavm~&.... 1'hie m.,allB that
what.ever is o'lling 0:1 the original amount bo~'rowed will be c:::nslde:-ed due
:.nm,etliately ar.d you may lose the c'nanoe to pa,' off the original :1\or:3"age in
r:\onthly installmer:ts, If :\11: pllym~:I\t of tr,e amount of default is not made
within 'fHIR7Y (30) DAYS / liLY-Me ir,tencl toJJjEltruct our a.n.Q.l1)!YS to lit art a
:a'~suit to forF~~_:iou.L mor.Htil~\i..!I.rPpe.r1:Y L I:' thJ) Ir:oJ'tgage is fcrac10seQ
)'qur mort:mge6. properJ:Y.Jd.U.LbJLru:..L"Lily t.h~ ShF.\riff to-li1l1. off t:'" \~:;>rtq<!g~
sjeb,L. If ~Ie refer your case t.o OUI" a.;torneYH, but yO'J cure t:~e default
before they b~9in j,e;:ja". proceedir.gs agaJ.ns: yo~'., you \"ill stl.l.l :1a':e to pay
the reasonable attoI'ney's fees, ,,~':ually :\.nc~I'recl, 'Jp to SSO.Cu, Eowever, i:
~egal proceedings are startf'd e.gainst YO'J, 'lot: "ill have to pay the
reasonable at.torneY'f\ fees eve~l i: tr.8Y al'e over $50,00. Any a'.;torney's fees
will be a:lded to what".8Ve.~' YO:.J 0'"", l:S, which may ah;c, include :;>\Jl' reasonable
cost s . If....Y.m.1 :.;\:re t. he def a\!J..!~~Ji t :~ilL\J1s'j~U:J..Y-.c;la..' peyiorh._Vo\.L'1~Ln..Q.!;._.P_~
~~~x.esL to paY' -.1:!.lJ:ornev' B fN'./?_,. \'Ie may ~l!;c SUB you perac,nally ~or the
unp(~~d p!'ir.c1.ra1 \'I;.111::1lc(: nnd a) -I 0:-1'11:':'" DU;-:-,~l dl,\c \ln~eT lho IlIo:::'t:gu9f.:. It J'(I'1.1
have, no'~ cured th~. d",fault. \l'it".h~n the thj,rty day i-"lO"rlod ar,tj foreolos\':r~
pl.'cceedinSJB havF.l b.3gU:1, you sti~1.--..bi~.5'!_tr,_~.-L~_gtL_t(L.~\!I.1! t.h~ cle.t~l\lt_.~...Di
p,U;Y:f..at. t..he sa Ift...!1L.,anv t'im2 un U:, 01'.<: hOlU;:
p.e tQX"~ t h.e Sr.(-~~: if t's tc l'p~J.n.vUY~_._.saJ.~_--l_.__~i_!?.\L!I!.f,~):..._~:h)__Gr:,-ty._.r.a vincI t t.g__h.9.t~\.~.
,.m~HJ.nt of the, ur,naicJ rn()nt:1:1~.I!!~_'i'~'1i')\t~_ p1:~~~_ll-::-LL-_1-ate.._QJ-:'_S\!.:.hf;;r rjg.~'l.~L~~.hS..'
IDlfu..-SL8 we1: as ::.b;: tf:lt:7cnH'~)le _~_tt..Q_rr&Y.':':L~.~e~._.f\.n!:L_~qstg!. connected ~l~b_-~:~'.'
IQ1;.ll.9..L,,"sur8 fla1 e I~nd r,erfo~:o (tID:....-',Ug'.r.-'.'igui~_c'oJn\."nt.".-l!.rill!".r t.ho ...i"9.:;:J:,~_,!,rl~..'.
It is E.s-:'lmal".l.-ld thal: thE-; eal':.ieDt dCl:e thnt such l\ Sherif.f.' s Sate 2ol,Jld bl
r,eld Vlould be app-oximatE::'1' 8:>: (6: r.\Cmths frc,m tod,o.y. ], notice of tl;
date c: ~.he S:"1e,-U'f' B !;aJ.8 will bE' ,;\c.nt to yO'J l:,e:or8 t.~'G sale, C'l
CO'..trSF..l, the fHnount t1end\.":?d tCJ ~\..1.'8 th8 dt:"fnuJ,t will inc:reafie ':he lc:,.ge:r: YCJ"~
~Iait. YO\J m"y find out a': <lny t.ir'~ E'!xrlct1y ~ll1at the required pa,'\,.e:1t "iiL
be by r.1\11in9 \JS at. thE: fol1m..ir,g nlllr.\)0);: \ (I(lO) 333-58/,8 :::xt 65,,". Tl1i,;
EXHtHBlI ~'B~;
03'1$'P$ 13:37
'l:l'alll ~H OHft
(,REE~E
fi;r"l.l
'-
paymllr.t muat be in cllsh, caa~ler'~ r.hed;, certified check or mone~' order and
mada payable to us at the addr~sB sta:ed above,
You aho'.I1d realize thl1~ a Shed ff' s Sale will end your ownerahip of tll'!!
mortgaged property ar,d y~)ur right to rema in 1:1 it, If you cClnt inue to Ii '''3
in the property aft~r the Sheriff's Sale, a lawsuit could be started to evic:
y::>\:,
You hav'.) additi-:<r,al rights to h<:!lp protect l'our interest :':1 th",
property, YO:! HAVE THr' RIGHT Tt~ SELIJ HE PRCPJi:;!.TY T:J OBTA:N tl.Ol<1EY 'fO PAY Q,'"
THE MOR'fGf.GE DEBT, OR ~'O BORF.:m r-:O,EY F'R:)~I ANOTHER LEN"DIllG :NSTI'l't'TION TO PA'(
, .
Of'F 'fHI.9 DEBT. YOU:-lAY fl~VE 1"HE RIGH':' TO S,;LL OR ';'RANSFER THE: PROH:f,';"(
SJBJ'ECT '.:'0 THE r'.ORTOAGE: 'fO III BUYER OR TRANSFEREE WHO WIL:" ASSUME THE MCRTGACE
DEB'!', PR8VIJED 'fHAT 1\1,1, THE OUTS71I.ND:NG I'A\'MENTS, CHARGES, A.KD ATTCRNEV'S
FEES AND COSTS .~E 1>AlO PRIOR 'IO OR An: THE SALE, A.t\D 'I'M? THE OTHER
REGUIREMEN'fS miDER THE MORi:OAGE ARE SATISFIF.D, CONTACT US TO DETERMINE ID."DER
WHAT CIRCUMST1\NCES THIS RIG;!T tHOllT cXrS'f, YO:! HAVE THE RIGHT TO HAVE TfiI.'3
DEFAULT CUREr> BY ANY THIRD PAnTi' AC1"lNO ON YOUR BEflAl.,?
J.t_.Y~!'L..O',ll:e. J.;l).e default, ';b8..J!)cngaQE, will ..oe restored tQ the 8an~!l
PQsiticll illS if ~efau:t had Q.~r.e.d." However. you are no: e:lt~tled to
this right to cure yo\:r def~ult more t an three times in aey ca:endar year,
v<:!ry trul yours,
~
BV,
Ashton Greene, Esq.
FOR:
EHOLD RE:AL~'Y CORPORATION
Si Uel, no comprende el contenido d.. este aviso tanga la bonded de haeer
traducirlo ya qUE! cont.iene in:ormacio:l cie Duma ill\p:;rtancia cen respecco a su
propledad,
NOTE: UnleEls yO~i not:..fy t.his c>ff:..ce '.Ii.tll:..n thirty (30) days after receivi:lg
this notice ::hat you dispu:e the va~idity of this debt or ar,y ponic~,
there:()f, this of fl.:::e ,,'ill aS5u:ne thH t.r... debt. is va. 1 id, If y,:)\; not.:" fy this
office in writing within t.hirty (30) days froll\ receiving this cotic~. this
of:ic€. will: obtain veri f:.cat~on 0: tr.e debt or obtain a copy of judgmer.t a.,d
mail you a copy of S\lch :iudgrnent 0:' veei.f:"o<Jtior.. You are, also advise:l th.:.
/lny informat.ion \,hid', you supply tc this uIii.\,.. may be used b}' us in U',€,
collec:iOll of ::he debt, :f ye,u re,:;~es: tht9 o:fice in wr::ing \dthin t!-.let.:,'
(30) days af:er reoeiving, this office wi:l provide you with :hfj r.ame and
address of the original creditor.
2
D3'!&'P$ 13:2&
trd10 :)i4 SHe
(.REESE
Ii!llll'~
.'
~~~ ACTION '1'0 GAVE YOtrR HOillL1Jl.Qli. t"ORECLOiIllll
The Commonweal t h of l'ennsybar.~a' $ Home:;.wner' s Emerge:lc}' Mor:9~9~
Assistanoe program may be able to r,elp YOt:, Read the f,ollowing notice to
find out how the pr'ogl'an. \~orks,
La notifieaeion e:'\ ac::unto as de suma impor.'tancia, PUf;\9 afeotl1 su~
dereoho a continuar viviendQ ~Il 9\1 eaSEl, Si no c:;,mp'ende e1 cor.tenido de
esta notificacion cbto!lnga ur:a t.raduc,:oc inmed:atemer.te ll.'Imanda esta agencia
(pennsylvania HO'Jsing Finance 1,gc:1C\': sln 0'11'908 a: numero mencion,ad::> arriba.
puedes ser elegible para un prestano pOl' e1 prcg:::ama llamandc "Homeowner's
E:\1ergeney Mort.gage Assistar.ce Prcgran,I' el cual puede salvar Sll casa de 1a
perdida del :;lex-echo a r",dimir au hipotecc',
IM.!:.QB1..l\lIT.L..l!OTICI! 01' HOMl'l9WNERS'
~MERGEW;;LMOR.TI!M.E ASSISTA};CE ACT OF 1993
P:,EhS;'; P.EAD THIS !\OTICE, YOU MAY BE EI,WIi:lLE FOR
FINhNCIA.L 1\SSISTAliCE ~ll!CE CAN SAVE YOUR HOv'E FROl4
FORECLOSl."RE hND HE:"P 'lOt: I1.I.,KE FInURE MORTGAGE PAytl.ENTS
Customer(s), Frank D, Mackin~on
l\nd Shawn M, Maokin:1cn
Address, 145 AppC\lachaln Dr,
CarEsle, PA :1.70l:J
Accou~t N~mber: 713303-00-926089
Date of Loan: 7/02/9, DatI!
eredi tor, HOUSElIO:"D REALTY
CORP()RAT:ON
Phone, (80:)) 333-5648 Ext 6593
Addre911' 961 Weigel Dr. ,1.'.0,
Box 8632 ,"Elmhurst I n, 60126
~f Notice: Dec:e:nber 23, 1997
X9.1!.L..JIlQ.l:~qaqe :'6 in sedolla q~t.il.lJ.ll because you have hUed to pay
pr'omptly installT"8nts of principal ar.d int.erest, as l:equired, for a period C1~
at least sixty (60) days, The total a:nount 0: the delinquency is $2,354, OC ,
That sum inoludee the' fol:o'",ing, 81,176,99 for tr.e month of October ar,d
51,177,01 for the month of N:lV8rr-ce~' of 1997 inclusive.
You._.may I:>e eligible ::oL fins:JQl.nl aBEist.ance that w~ll prllY....n.t
for-eclosure on your mc,rtga.ga if you comply with the provisiO:Js or "Le
Homeowners' Eme~'gency Nortga:;)e Ass:stance A~t c,t" :983 (the "Act"), 'Iou mo.y
be eligible fox' energeDCY temporary IlsEistance i f yo'~r default has bee:-.
caused by circ'..\ITIstanc:es beyond YOllr cc,ntrol, and if you meet the eligibility
requh'ements cf the Act as deterrn~necl c)' the Pel~nsy1vania Housing Finance
Agency, l'lease read all of this N,::tice, It cQD.!;.AiDa an ew.nnation of Yc"..\r.
:r:'I..)hts.
Under the Act, you are entitled to a te::\porary stay of foreclosure cr,
your mortgage for thirty (3)) days ;'r~'li\ the liille of this Not.ioe, Du~'ing tha~
time you have the :r i9ht :.0 arrange a
"face-t.o-face" meeting ~lith a repn1sel:tative 0:: this lender, or
w:.th a designat.ed ccnS'..lrner credi: ('r.>L\Ilsel ing agency. The p\:rpcse o~ thllt
meeting :.s to IIuempt to work. D"t a ::-epaYIT.er::. plan, or to ot.henlise set-~le
your delinquenc}'. :!:hllJ:...~tinSLl!!..l:st (l'cCl\Lj..n.~~_ll!L:>;.L.llikty_ (30) dava.
:f you attend 1\ :'ace.to-face r.~eer.i.r,g with this lender, or w,;,th '"
consuner credit co\.:.nse1i:1g agency identiEi!!d in this notice, r,o :llX'th!i':-
proceeding in m~rtgage fo,-ec:08Ul"P may take place for thi::,ty (30) days afte:-
the d,,~e of that mcetir,g.
':'he name, address and telephone nU:l\ber of Ollr representativB is: JilL
Dadi.an, Ho'~schald R8alty Corp:Jra:.lon, 9,1 ~leigel Dr" P,O, Box 863J,
Elmhurst, Il. 60:25, 1-800..333'.<;9H Ex~. r,S9?
03'10'0$ 13:30
'a'UIJ 3H ~H&
CREE~1::
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---
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us 01;)'101 N~.~.l:,. ,
Aecelpllor Clu!lf:l:ll Mall
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Z 392 74~ 28'1
us Pc.s:t\! 6eNlce
Rocelpt for Certified Mall
N.,) h~UfUl;;V C~"Dfa). P,c.,.,cltd.
Dc rOI U~() lor Ir-lfI~i'\~1 "1;)1 (S:oc fC'tYn,,)
SH111'1 'i\.JL ') tn" L I
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':i~t;;11 O.l'w''Y F~r.
.~~;~~~,;--r------l
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a '::l11~!!',:;r,<e'~I~~~t,;,oM.n'i I
cr, :H....I:.t.'..,t<l'1141.~ .~
~ 101AI".r>I:r,I,':1f3.ftu $ 7VJ \
("'P~Dill~
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03'1&'0& 131:~
-aUIC. 3H U,H~
~REf;~E
Ii: l!l,,~
---
,.,
'l'he names and addresses of designated c:,r,surr,er ,:redit counseling ageniQu
ate attached, It is only neces9ary to achedule one face-:o-!ace mee:ing, Yo~
should adviae this lender irrmediately af your inte~ticn~,
If you havE! tried and IIl'e unable to resclve this problem at. or aftet.
yo~a. faoe...to-face meeting, yal. have tb." dght to apply for fir.an:'J.i.1l
assistance from the Ho~eowners' Emergency M~rtgage Assistance F~~d, In ord~r
t,~ do this, you m'olst fill out, sign, /\rid file /I corr.pleted l1or:\(Jo~m~rs'
Emergency AsSist..mce Application wi~h the Penns:;lvanIa Houp~n9 Finance
Agency, The consumer credit counseling agency will assist yO\; in filling out
your appliclI:.ion, ;t mlliLile fi led o~' pootl!\ilr~_<;L~J..thin th'.rty. !~Ol g{l.Yf1....I2.f
your face-CD-face Meeting,.
It.... is eKt 1'e11e:)' it1pcrtfJT,t ttl!!.~ \'eu fi le y.QJ.;,l.:.-l!llli.UC).il..U..QD..m:.QiilPili:...-l.;.
~SULdo nec d,') 8e, QL.1.f..,.you d<:, r.o~ fol~ow the ether time p~...riods set ..f.Qrth in
ills lett~ foreclosuTe mav p.~ocMd aqai:,\st.,yoq' hoq\8 immediat8l~
Available funds for err-el'gency mol"tgag"J ass~Elt..nce are very limi:E'd.
They will be disbL:rsed by tl:e Agency under the eligibility criteria
established by the Act, ,
Jt i~ extremely irnDortClnt~t you:<" q,pkl.w~ion is accurate.Jlru!..comDlete
.1.n even. respecL. The counseling agency will help you to fill out the
application, The Pen:"lsy1vania HO'olsing Fi:1C1nc!l Agency has sixty (6C,) day" to
make a decisicr, after it. receives )'our applioa:.ion, Durin:;! that additiona:
time, no forecloA1Jre proceedings ~Iill be pUl'SUCld against you if yo\: have :net
the t:me requ:.rements set f"rth above, Yeu will be notified directly by that
Agency of its decis:on on your a~p:ication,
The Pennsylvania HO'olsing fir,ance Agency is located at 2:n Ibrth Front
St~.eet. P,O, Box 8029, Ha~'risb\.:rg, Ph 17105, Telepr.one No, (7171780-3800 0::-
1-800-342-2397 (t.oll free nu;nbe;:),
You must eit.her mail your application t.o the Pennsylva:Jia HOUSing
F~nan()e Agenoy, or you m\:st fil~ it <<~ the off~ce of o:Je of the designa:ed
consumer credit counseli:Jg ag~nci~a lis:ed above,
An application for assistan8e mOlY be obtained from this lender, from a
COnsumer credit cO'Jr.seling agency, or directly from the hmnsylvania H::>using
Finance /,ger.cy,
Inclosed also is another notice from :his lender ender Act 6 of 1974. ~ha:
r,otice is called a "l-btice of I.,tenticr, to Foreclose Mortgage", You must read
both nO';ices, str,ae they both eX91ai~1 ~~gh';s t.r,lIt YOll no\; have und..r
Pennsylvania law, Ho.....ever, if )'0'.1 choose ~o exercise you~' dgh:s described ir,
this notice, we cannot foreclose \.:1'0:: you dur:ng tha: t:ine,A:sc, i: yoe
rec;>ive financial assistance f~:>m t~,e pennsylvania HOllsil,g Finance hgency,
your hOIll" C'anllol be fOl',,:closed up(on II'hU~, YUl; are "'",<.'",iving that assistance,
By; James Asht.on Greene, Esq,
FOR:
Ii
SEt::-'OLD REALTY COP.POFtkTION
,-,
<--------
on Greene, Esquire
)
)
.
\
\
)\oCt.B1, WlISBIlRG AND CON\'lA"i. t'. C
B"i' T1U~1l.IlNCIl J. MoCABIl. IlSQIlI1l.1l
Identifioation Number 16496
,ir.t union Bui] ,\I ng
123 south Broad. suite 2080
t'hi1ade1phia, t'onnRylvania 19109
(215) '/90-:1.010
----,._---~-~- ._.~---_..--
HOUS~HOLD RE~t{rY CORPORATION
------
v.
FRANK D. MACKINNON
SH~WN N, MACKINNON
""",.~"""""-
~ur, 2 4 199~
Attorney for Plaintiff
Cm<\BERL~NP COmlTY
COURT OF COMMON PLEAS
Nm<lBER 98-1B26 CIVIL
Q'R.DE'R
-
Pl.int"f i' g,,,COd '''W' to ,<,w' the Defendont, Sh'wn N.
.,,<innon, by "g"or moil' by c"tified m.il, "tU,n "ceipt
,.que,t.d, .nd by po.ting by the eumb,,'nnd eo,nty She,iff of the
complaint in NO,t9.g. 'o,.clO"" .nd .11 .ub..qu.nt ple.ding. .nd
the Notic' of Sh.,iff" ,,1' .t the nef.ndant' , la,t-,nown .dd,e"
of P.O_ BOX 13, ,5 W.,t ",in St,..t, Apt. "', p,.infi.,d, PA l10B'
,nd fu,the' by p"ting by the eumb<,l,nd eoun" She,iff at th'
mo'tg.g,d p,op"ty b'ing fo"el",'d upon in the h".in .ction ,nown
as 145 ~ppalacnian Drive, carlisle, P~ 17013.
AND NOW, this ~.ll'
day of
\ \)~. ~"",,,,,
i\'l~~ \'.:'-:'1'..( H,~ll\!.\':" "v
, '\1' . ." '''/ h~n1
In'. ' . ".,"'. . ' .
. ,. \ ..' L~(\\'\' I'~
a,\l1 ,'iI' ,.... '., '".\1" I.O"r ,,' ',' ....., . fi
~j./ \ 0\ Ct.<A \9J,~:
1\\,\5 .?-. .re t "~ ,....0..'
.' '),
, ,~\.l., .. ..lS...,,~.'.:,i',LI""'''I...............
............. J'\~ 1 I'rOl\)~l\O'ar/
, 1!:l98 , the
~~'\-'
BY THE COURT'
->>-i--1's.~'8 ' ~Ia~
J.
3. That on September 15, 1998, pel' the attached Court
Order, Plaintiff served a true and correct copy of the Complaint
in Mortgage Fon~closure upon the Defendant, Frank D. MacKinnon,
by posting the same at his last-known address of 145 Appalachian
Drive, Carli131e, PA 17013. A t.rue and correct copy of the
Sheriff's Return of Service form indicating the saMe ia attached
hereto, made a part hereof, and marked Exhibit "D."
\ '1..i.i'V'li../n,(J. ~, il1c C~
TERRENCE J. cCABE, ESQUIRE
SWORN TO AND SUB~y~~~ED
I( / !/t(
BEF E ME THIS ," bAY
o ,AMU/ t? if./ , 1999.
! /
I '
. I,
/ '
~':tll t, ./)t((i ;// t/ l( .
I~TARY PUBLIC /
' /
?) ,
('.{!/);( l!~
NOTA~IAl SEAL --'I
'<won MichaUo Crurnhlo, NOfary Public I
Olly of PtlllE~dolrltlla, Phlln County
-~ Cor!l'?11'lslon [)(plros May ?1. 2001
---....
~'1.,'"
MoCABI, WlI9BIRG AND CON\'lA"i, P.C.
B"il TIlRRINCI J. MoCABB, ISQUIRIl
Identi!i.oati on NUD\l:Jer 16496
Firlt union Building
123 South Broad Street, suite 2080
Philadelphia, t>A 19109
(215) 790-1010
Attorney for Plaintiff
Household Realty corporation
C1MBERLAND COmlTY
COURT OF COMMON PLEAS
v.
Frank D. MacKinnon
Shawn N. MacKinnon
Nm<lBER 98-1826
~1!:'R.T:tI!'I.Cll.TIOH
Terrence J. McCabe, Esquire, attorney for plaintiff, being
duly sworn according to law, deposes and says that he deposited
in the united States Mail a letter notifying the Defendant that
judgment would be entered against them within ten (10) days from
the date of said letter in accordance with Rule 237.5 of the
pennsylvania Rules of Civil procedure. A copy of said letter is
attached hereto and marked as Exhibit "E."
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TERRENCE J. McCABE, ESQUIRE
Attorney for Plaintiff
SWORN TO AND SUB~C~ED
BEF~~/ME 'l'HIS ! / ~AY
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EXHIBIT
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SHERIFF'S RETURN" REGULAR
CASE NO.: 1998-01825 I'
CDMMONWEALTH DF pENNSYLVANIA;
CDUNTY DF CUMBERLAND
HIJl,lliEHDLt;! REAL:ry CORP
VS,
MACKINNON FRANK D _E1.: AL
WILLIAM DIEHL , Sheriff or Deputy Sheriff of
CUMBERLAND County, Pennsylvania, who being duly sworn according
to law, says, thE' within fmINe,TATED NOTICE AND was served
upon MACliINNDN FRANK D
the
defendant, at
10: 3~ HOURS, on the 12m day of Sec'1;.emb...r .
.--..-*---'
1~J98 at 1'I~i AppALACHr~DRIVE
9ARLISLE, PA 17013
, CUMBERLAND
Cc'unty, Pennsylvania, by handing to pOSTED PROp!ill.TY
a true and attestE'd copy of the REINSTATEQ NOTICE AND
together with CONPJ.<.t.INT IN MORTGAGE FDRECLOSlJRlL___
and at thE' same time directing His attention to the cont...nts thereof,
Sheriff's Costs:
Docl,E'ting
Service
Afiidavit
Surcharge
this ____,_ day t'f ,___,._____._,_~_..
1 ~J A. D.
18.00
3,10
.00
5.00
ST,'-;TI2JrICCABE, WEISBERG ~, CONWAY
C~9! IE,! 1',198
by ---~-l)E,li~rt~
EXHIBIT
lif"
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Sworn and subscribed to before me
---.--- F't6UToriCi'far y ,.-..--..-.--,--
OFFICE OF THE PROTHONOTARY
COURT OF COMMON PLEAS
CUMBERL~ COUNTY COURTHOUSE, CARLISLE, PA 17013
LAWRENCE E. WELKER
Prothonotary
TOI Frank D. MacKinnon
145 Appalachian Drive
Carlisle, PA 17013
December 21, 1998
HOUSEHOLD REALTY CORPORA~'ION
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
v.
FRANK D. MacKINNON
SHAWN N. MacKINNON
NUMBER 98-1826
NOTICE, RUI,E 237.5
NOTICE OF PRAECIPE TO ENTER JUDGMENT BY DEFAULT
IMPORTANT NOTICE
NOTIFICACION IMPORTANTE
You er. Ir, deleult beceuoe YOII heve fellod to
enter a wrttten appoarance personalty or by
ettnrney end file in writ ing with the Couf't
your defenses or objections to the claims set
forth egelnot you. Unleoo YOII oct within ten
(10) deye from th. dete of this notice, e
Judgment mey be entored ogeln.t you without
8 hearing and you may lau your property or
other Importent l'lght.. You .hould teko thlo
notice to 8 lawyor at once. If you do not
hDve 8 lowyur or cannot afford ono, go to or
telephone th. tollowlng office to find out
whoro you cen got legol help,
Ustod S8 encuentrl en Istado de rebaldf. por
no haber presentedo Una comparec~ncl8 escrlta,
yo sca personalmcnto 0 por eboijodo y por no
hober redlcedo por e.crlto con .ot. Trlbun.l
BllS defenus U obJecfones 8 los reclllmol
formulados en contra suyo. At no tomar ta
.cclon debldo dontro d. dl.. (10) dIn d. Ie
feche de est a notlficaolon, et Tribunal podra,
sin nooosldad de eompareeor usted en corte u
ofr preuba alguna, dieter sontonets en IU
contra ''I usted podrla perder bienes U otro8
derechos IrI'f>Ortentfls. Debe t levar esu
notltlceclon . un obogodo f......dl.temellt.. SI
usted no tlene abogsdo, 0 st no tlenf dlnero
suflclento parft hi 8ervf(:to~ ,-'.yo en persona
o ll8n\'J por tetefono a Ie oflctn8,' nOfTbradu
para over'fouar sl puedo consegulr eslstencla
legel.
Callrt Admlniotrator
Cumberl.nd County Courthou.e
Cor I iol., PA 17013
(717) 240,6200
Court Admlnl~trator
Curoortand County Courthouse
Corll.le, PA 17013
(71'1) 2/,0,610')
If you have any questions concerning this notice,
please call:
"E"
at
Terrence J. McCabe, ~B'l
McCABE, WEISBERG AND t:Zl
First Union Bu~ n
123 South Broad Street, Suite 2080
Philadelphia, Pennsylvania 19109
this telephone number: (215) 790-1010
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