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Home My WebLink About98-01831 ~ ~ Ckl. '... .~ ~ ('yl -....: v - .... <I L.., rt -J.. VI ~ - ~ ~ (I ~ "I- <;l: ~ ) / J i! , j' " . y i: " ( \. ~ -- I ... .::> ... -. I'Q Dol "':'1 0.. ~ ~ tho fl(1COrdor of' lJoodfl and Mortgages in CU~lBERLAND County in Mortgage Book 1206, page 167, A copy of the Mortgage is attachod and made a part hereof as Exhibit 'A', 2, The Mortgage is secured by Defendant(s) Note dated October 4, 19% In tho amount of $24,000.00 payable to Plaintiff in monthly I nstallments with an interest rate of 11.950%. 1\ copy of tho Note is attilched hereto and made a part hereof as 8xhibit "8N. :J, 'I'ho I ilnd sub:lect to the mortgage is: 664 Shannon Road, Boiling Springs, PA 17007 5. Tho dot'endant(s), Michael C. Bifalco and Debra Ann Bifalco isfara the real owner(s) of the land subject to the mortgage and the Defendants' address is: 664 Shannon Rd" Bo.U.lng Springs, PA 17007. 6, The Mortgage is now in default due to the failure of the Defendant(s) to make payments as they become due and owing, The following amounts are due: Principal Balance: 1nterest to 3/12/98 I,ate Charges Property Inspections Attorney Fee/costs TOTAL: $23,759.28 $2,833.51 $215.40 $300.00 $3,600.00 $30,708-:19 plus interest after 3/12/98 at $7,78 per day, costs of suit and attorney fees, 6, In accordance with the provisions of the Act of January 30, 1974, p, L. 13 No, 6, Section 403 (41 P,S, 403), a Notice of Intention to Foreclose was sent November 25, 1997, A Notice of lIomeowners' Emergency Mortgage Assistance is applicable and was sent November 25, 1997. ~rhe D(~fendant (s) have not cured the default, ~ .t-~ ~~.~...... ~~~~~~...... ~~~!2~~~~,,- ..........-s~f2.:;::~-$<:;;-:: ::-~~.........~~.;::-~~~..... ~ ~=~~""~-;::'l!2l:f.""" 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" o. ~~ rnrr"ltllr" or III llllrllU:~ IlIw~ ur IIlIlUlllllulU)f UH~IlIt!IIII('1f IIlIlY elll AIIIlIH1Y rur wlllll('1"",_r h nt'l1t!nnry In pwttd th" "RI\l6 nrlhll r'{ul1('1lly Alltll.'!lltI(H1. rll:hllln 1I1r.l'fOI'l11IY, hlIlI11r'.lIlJ1lmu IIIIlY lrH'hhltllHlylllll Any '"nu ~1H:llh.tl hy n !lell whIch !l11. pdllrlly IIv..r Ihl, ~(,.:lIfHy Iiulllllllt'nt. Illlyll1ll IIl~UrlH1f'n IlIlllllhllm. nflfl!'MlnK 11\ cllurt. flilylllll r~1"1II111hl{111Ullfl1(ly.,t f('t~, 111l111111It\rhll: unllln Propl.,ty 10 11111111' rrplllnL AllhuuJ:h LIHltl!'r IIlIIY lllkll IHll111l1 tlnd"r Ihl; jI.1fl1l:rnph fl. I.nrlth'r tl(lr~ 1I11i 11II'~1\ 111 (I" oW, Any IIm(JIUII~ dhhurwl hy 1A!llller IIlld~r Ild!l11l1rllr,rll1111 (, shrill hl'cllmllllcldlllnll~1 11r."1 uf Ilorrower Il'cure'll !ly Ihll SCllurlly In,lllllll{1l1l. tlnlt],. lInrrowl'Jr "1lI11.flldnr lIr,f!'l'!lo ClII1M 11':"'11 or IH1YInI:nt,UIl'JUI /Hllo,.lIl.. ..hllll hl'M Inlcrr.,1 r(llm Ihe llllln IIr Ih~hUI!l('llll"'ltlltlh" rllll'! .tel rllllh III tho NOltl Ir ptlllllllletl hy Ilw ur,lr lIul, nlllrn hlchr,~Il:nvrlll rulo nllll ~hnll he l'ilynhlr., willi IlIlflll1~l, \lIHlll nolltrt frllll1lA!wler In 110rrllwt\r reclllMllng pnymenl. .7. . f"!il,eell,,". 1A'lluler or II~ IIgenlllllty make IfA.mnllhle enlrlcs Ilpon It.od In!ptctlons or lhe flroper1y. lA'lnder shnll give l1orrowM nullcClll1 Ihe limn or IIr "rlur lu "n In~[lecllon 1Il'rclrylng re....onable CIUISo ror the losflecllon, 8. Conclenmntlon. The (lfOcr.eds or any .wartl or claim for damag(',J. direct or conseqtlcnllal. In connection wllh allY COIulelllllllllUII or other IAklne flf 1I11Y Jlllrt of Ihe .'rnper1)', or for conveyance In lieu of condemnallon. Ire herehy nsslgned and ..hnll be pnld 10 lender And applied to Iha nmoun! ..eetlred by Ods Sec'JrllY Inslrumenl, IllhJect In Ihe te,,"15 of Any senior mnrlgnr.t.. deed uf trusl or oiher securlly Inslnlmenl, Any ell:ceSJ will he paid 10 tho penons legally entllled 10 II. It Ihe Jlroper1y b ahandoned by norrower. or Ir. nn~r nOllce hy Lender 10 norrower Ihat the condemnor offers 10 mnke an nward or selllo a "Ialm ror dalllRc~sl nONower faUsto respond 10 Lender wllhln 30 days aOer Ihe dalo lho nollce Is glyen. Lender l!t authorized 10 collect :tnd apply the proc~eds , allts opllon, elthet 10 rClllort\llon or rep31r or the Property or 10 the SlIms secured hy thls Security Inslmmen!, whelher or notlhen duo. Unlen Lenllel' llmi l1orrower otherwise agree In wrlllng. nny appllcallon of proreeds 10 princIpal shall 1101 extend or poslJlone Ihe dUll dale of the monlhly raymenls referretlto III paragraph I or change the amount or such (laymenls. 9. Dorrower Nol n.elen.~(Jllj forhenrunce By Lender Not n Wnlver. Ell:tenslons of the llmo for pnymont or modlncnllon.~ or nmortlznrlon or Ihe SIlIlU secured hy this Sectlrlly 'nslnJment granled by Lender 10 Dorrowt.r or 10 any successor In Intere~t of norrower shall not operallJ 10 releaso Ihe Ilablllly of the original Dorrower Or Borrower's Sllcc~ssors In Inleresl. Lender shall no! be required to commence proceullngs against nny 511CCeSSOr In lnlere~1 or refu.qe 10 oll:lend time ror pnY01enl or olherwise modlry nmortlznllon or the sllm~ secured by lhis SeclIrlly.ln!\tnrmenl by ren~o,' of /lilY demnmll11lldel hy Iho originill IJorrower or Horrower's 5I1CCe~sor!lllllnlt!resl. Any forhenrnnce hy Lender In e~erci:>1lnc any rlght or remedy sholl not he II walYe~ ofor preclude Ihe e.'\erclse orony rlghl or remedy. to, Successors nnd ^ssl{:llls HOlllld; .Jolnl nnd Severnl L1nhllllYI Co-Signers. TIH: covenanll nntl agreemenls or this Security tn~I"'l1lent SIUlll hind nnt! hellenl the Sllcce~sor9 Rnd uslgns of Lender llnd Dorrnwer ~llhJecllo Ihe provldollS or p:uilCrflph 17 (n). Borrower's Covcllnnlll nnd Rgreemenl~ shnll be Joint And sevt:rnl. Any norrowcr who co.signs this Security 111l/tnlmenl hul does nol ell:ecllle lhe Note: (a) Is co. slcnhlg lhis Securlly Inslmmenl only 10 morlcnge, grant I\IIlI convey thnt norrower's Inlerest in Ihe P(Or~rly under Ihe lerms of Ihls Securily In.~lnllnenl; (h) i.q 1101 personally ()hHgatcd 10 PilY the sums secured by thls Security In~ltllment and (e) ngrees Ihnl Lender nntlnllY olher lIorrnwcr Illny agree to ell:t~nd, modify, foroo..1r I or Illake nllY nccommodnliolls with n~cnrtllo Ihe Icrms of lids S!"curily Inslrllrncnl or Ihe Nole wllhollt Ih;u Uorrower's eon,~enl and wilholllthereby ImpairinG Ihill narrower's ohlignliClns and liablllly h~retlnder, J I, LOfln Chnr~cs. If Ihe loitn secured hy Ihis Security InslnUncll1 Is suhJecl 10 a law or reglllnllon which sel! mnll:101Um Ina" charg~_~. And Ihilt li1w or regllllll10n Is filially lnterpr~Ir'.d so Ihat Ihe Inlerest or olher 10nn chnrges eollecled or 10 be collected In con"~('llon. wllh .Ihe IOiln e.'(c~ed Ihe permllled Ihnlls. Ihen: (A) Any such Inlerest and/or oilier lonn chnrges shnl! be reduced hy Ihe amollnl neceSSAry 10 reduce the lnlerest and/or olher 1011n chnrge., lo lhe pcrmllled Ilmilj and (h) Rny sums alrelld)' collecled from Horrower which e:\cced~tI per1lli1led limIts will he rerunded to norrower. Lend~r may choose 10 f1Hlke Ihls refund hy retlucing the principal owrd under Ihe Hote or hy milking 1\ dired paYl11enllo Borrower. If a reftlnd reduces prlncl(llll. the reducllon wll1ile hen led as n pnrtinl prepaymenl. v":,,, \." ~ ",_. '1..._.,.,. r",..:_l...l ~... '.. ".:, ::'"".),.,' .,._.....,,' ,1,,1' '.~ ~I,_.~ 0.." "~,, '-""I> .. ". ') ""''''''",'' , .".. , , nolleo sl1l'lll be dlrecled In Ihe Properly Address or ItnY (II her nddreu Borrower de.~ll.!nnles by nollc~ td Lender, I" ....:..."" t ,~,l,. ..',~" "" ,'",~ 1... r.'1' ..f~", .,,~:I "i"' '.""!."', ~,.,)."o~ "'."I...! I..-,.~:" ~..''''J ~d'.'_1,.~..I."11 10 Imvo beer. given lo.lIorrower or lClldor whon given AS providctllnlhi.~ flArn~rl\ph 12, ,^ ISTfUlD pc<no M'Tn MORTOAon. M'C lIonml ,MOil hid MOOI6:<A,M:< hOU,\ t?88 ','- r"t.r: 180 .~' '':) U. Ollvernlllft I.nwI Sl'vr.rnhlllly, Ifthll St'(lllrlly IMh\llllellll.. A 5Cf:Ond rrlorlly 1Il0011tllr,e "ml thn orlulrllllllrlnnll1l11'1I11HJIlIIl nrlhn Nula 1\ $50,fHlnr 11','s, rederallAw A"tlllllnols lAW will r.!/yern lh" 111101(1'1 rlllrl cllllrneti IIl1lhn Nola, OlhNwl'(l, (rdlllllll"w, 1'1'lIUl,ylvAI1I~ Inw Illld OilY IncnllllW lhal 'Pl'llet 11\ Ihe (IlliCit In whkh tho I'ftlllt'lly I. ItI(~llIrcl will MflVr,rn Ihl.. Secllrlly In~I(ullIellt (fedelld law "nd l'clIlI.ylvanhlltw' will ,,110 gUVIHlllh" Illlr,re~1 mle c:luullrcl or. the Nuln If llllht:t Iii" orlr.ln:tl rdllClflllllllllollnl (If Ihe Nul(l n~cel"d~ '~(),()C() lIf Ihl, !kt:urlty 11l.~hllm,,"lls . n,n'11flflflly I1Hlflgllr.O), In the evellllhal any Ilmyl..,"" or clnluo (If ,hi, S!!lllldly In,'lnlllltllll fir Ih" Nul", cflllOlcl, with "11111lcnhlo law. luch connlet shllll IlUI ,,(rcct IIlhor IIrnvl,ln"~ or thh ~JI!Cllrlty lrulrtlHlIHlI or IlIn Nlll" wllll:h CAll bn glvell dfect Wllho\l! Iho cIIlIrllctln" Ilrovl5lulI, '1'0 thh olltllhn prtlvldmu of lhl!\ ljeclIrlly 1"tlnllllent Anlltho Nolo Rto declared 10 he .eYllrahll1, .... I1nrrnwl!r'! COil)'. Tlorrower Ickllowledau rMell't of phlllncol'Y or I conformed copy (If lhe Noto IIntl 01 lhb Security In.1rumllnl. .15. Slllp. or Notel Chunge tJf 1.01111 SI!l'Vlrer. 1110 Noto or I IIIU'1lltlInlereJl In Iha Nole (together willi thl, Se()t1rlty In!\hument) limy bo Jold one Of nJorollll1u without Ilrlor l1ollcolo Dorrnwer. ^ ule may rOl\lllln I chnncl'lIn l"e tlllllty (known,u Ille "1.oIUl Servlcer") Ihill colleds llIonlhly pn)'ments duo IInder the: Nolo Ind Ihls Secllrlty Instrument. There tllto "'lty bo one or ",oro chlllll:es of tho Loan Servle'-r unrelated 10 . sale of the Nole, If Ihero I~ . change of tho loAn Servlcer, lJonower will be given wrillon nollee of Iho change In Ilccordnl1ce with parngraph 1211hovo andnflpllcAblelaw, Tho notlco wllllilAlo IhCl "Arne ,,"d llddreu of tho lIew Lollfl S~rvlcer And Ihe AtldreH to which l1ayrnenl!J ,.hOllld he 11llltle. Tho notice wlllAI,o cont:!l" MY olher InrormAllon required by njlpllcablo law. !G. lIn1.l1rdoll!l S\lb.'llnllce.~. norrow~r shall not ca\l~e or penTllt Ihe presenco, \150, disposaL slorac~, or releaso or any lIa..~ardo\ls Sub5lances on or In Ihe Property, Dorcower shall not do, nor allow anyone ellle 10 do, anything affecting the Property that h In viola lion or Any EnvironmentAl Law. The preceding lwo sentences ~hl1l1l101 Apply 10 Ih~ pre,.encei "!ie, or ftlorage on the Property or sOlal1 quantities of Ili\znnlnm Sllh~lnncc~ thAI nre ,gcnernlly reeo1\nlr.cd 10 he nprrol'rintc to nlHITlAI re~ldl'lnllAI lI~e.~ ami to ll1nlntoni\llce or Iho Proporly. . narrower shall promplly give Lender wrlUen nollco ohny lnveslleallon, claIm, demand, lawsull or olher nctlon by AllY governmentnl or regulalory Agency or private par1y Involving the Propt.lrly and any Jll\lllrdolls SlIhslanc:c or Environmental Law of whIch Ilorrowor hAS newnl knowledge, If Borrower learns. or Is noUOed by Any covernmenlal or reculatory AUlhorlty, Ihnt IllY rcmoval or olher remedlallo!l of any Jlllzardo\ls Subslance nfrecllng Ihe Property Is necessary, Bonower Ihalll'ramplly lake all necessary remedial octlol1s In accordance with EnvIronmental Law, As u..ed in Ihls pllragroph 16, "ltilZllrdolls Sub~tllnce.'l" lire Ihosc suhslances denned as loxlc or hAznrdous substances hy environmental Law nnJ the following substances: gllsolino, kerosene, other nllmmllhle or tOll.lc petroleum produets,tox.lc pe91lcldes Bnd herblcldes, volalllo solvents, malerlals containing Asbestos or formaldehyde, nnd mdloi1cllve materlllls, As u~ed In this paragraph 16, "Environmental Law~ l11eans federal laws nndlaws of Ihe Jurlsdlction where the Properly 15 loclltetllhnt relate 10 he.,lth, safety or envlronmentnl prolecllon, 17. Lender's JU~hls If Dorrower Fnl1~ 10 Keep Prom1.<;c~ Anti Agreemcnls. If any orlhe evenls 01 condillons described III suhparll,!!mphs (M, (U), (e), (D)I (E) or (F) Or 11115 pllragri1ph 17 shall occllr,lhen (I) Ir the orlginnl pdncJplIl nmount or Ihe Nolo e:<ceeds ,'~O,OOO, uf\c1~r flll1Y require Ihnt narrower pay Immedlalely tho entiro 11l11otHII remnlning unpaid lIIlller the Note and Ihi~ Security Instnlmenl: or (il) If tilt orlcll1nl prlnclpnl Alllount or the Note Is $50,000 or Icssi Lender, Aner glvlnc norrower lirncly nolice of norrower's right to cure as Is then fequlred hy nprllclIhle Inw /llld Dorrower's fnilllftllo ClIfe within Ihe limo period set forlh In 5110h nollee, mllY require thllt norrower pay ImmediAlely the enllre. amounl remaIning unpAid under lhe Note nnd Ihls Securlly Inslnlfllcnl. Thl~ requlremcnt will he cnllcd "1mmcdiMe raYl11enlln , FulL" H under requires Immodlale Payment In rull, Lender may bring a Inwsult 10 lake. away ali or Horrower'fj remaining rights In Ihe Property Ami to hRve Ihe Properly sold, Allhls sale lender or anolher person mny llcqulrlllhe Properly, Thh Is knOWI1l1S "roreclosure anll sale." H the proceeds or thIs !ille are 1l1surnclent to repAY Lender the nmollnts due 10 ten(ler from Horrower IIllller the Noto and under Ihls Securlly Inslrument, lcnder l11ilY, 10 Ihe e,'(lenl nntllmiled,or prohibited hy Inw, ohtnln n cOllrt Judgmenl agalnsl narrower persl'lMlly for the difference between All illllo"nl~ due from Borrower under the Nol:: nnd lhh lU COllect 1111 COsl.~ flntl e.~I't.:"s~~ 01 lll~ rnreCIOSllrc Mill sale nllowed by 1111'.', This includes altorney's fees nnd c~~ls o~"lltle cvllIcn,c,e permllled hy R\lle.~ of Courl, nntl atlorl1ey's fee,~ for hrlOknlplcy rrnceeding~ "' .-p.. - n .""J "'~" ,,,,,~,,,, Lentlr.r mllY require Immediale Paymenl)n Pullundcl' this paracraph 17. lr: (A) It It dlloj or norrow~r fnlls 10 mAke any pnymenl reqlllred by tho Note or this Swurlly lnslrumenl when M urnND fIlXTlO MTO MOItTOAon. ^"CtIMI9JJ rAonhr. ",OOI4lCA,PAX bOU~ Ub6 fA~l 170 (11) f~ltc(lfllln those ~lrcumSlilnCtl!t In whlc~ redomlll\w other.lJl"ll provllle" 1\11 or MY pm\ of Iho Properly, or ony rlglll IlIlhe Properly, l!t solt! or lrnnsrnrred wllhullt Lender', flrlnr wrillen COMen! (or, If IInrf(lwcr I, !lot" 1l1lhuoll'MSOll, If n bcncn('l.,lllllere~lln lIorrnwcr I, solt! or trnnsferred); or . (C) On ftl'pllcnllon or l.endl'!r, two or more Insurnnce C0I11(llllllu licensed 10 do blllilneg, In lhe StBle In which tho l'rflllel1y h Itlcated rcfusa 10 Isslll'lllOllcleg Insuring Iho hlllldillCs nntllJllfltovetnenh on lhe ~lropellYI or (0) nOTTowar fnlls 10 mnko Any payment required hy e.ny senior morlgRge, llcet! of Innt or other sc:-cllrlty lrutrtlnlent enc1fmberlne or "rrecllng the Proper1y, or Ilorrowel' flllls to keep Rny other promise or ncrccmenl In Any senior mnrtf,Ar,e, lleed of lr\l!tl or olher security Instrllmenl encumbering or affecting Ihe Ifroperly, or (B) norrower falls 10 keep any other promise or llcreornenlln Ihls Securlly Instrument within lho lime !let for1h, 01' Ir no lime I! Iiot forth In lhl, Security In$lnlmenl, lhen wllllln the Hille sel forth III the notice senlll'J lJorrower hy I.emler; or (F) AllY representallon mado or Informiltlon given to Lender by Darrower III connection wllh Borrower's IlppUcatlon (or lhe 101111 evltlollced by Ihe Nole Is fnhe or rnl9lcadlng In any mlllerlul respect, " 18. ^s!il~l1Inellt of Helll,.; Appol1llmr.1l1 of Tlccl'lvl!q Lemler In Pos~e~slon. A~ nddillonal lIecllrlty herellndrr, Borrower herelly nHlgns 10 Lender lho relll.q or tho Properly 10 Ihn exlellllhal ronls are lIot helnlJ colle<:ted hy Ihe holder of An nslgnOlelll of rent!! which hilS (lriorlly OVer this Security Instrumenl, provIded Ihllt prlor tl'l Ilccelernllon hereof or ahAndonment of Ihe Ilroperty, Borrower Shllll have Iho rlChtlo collr.ct Ilnd rclllb such renls AS thoy hecome due ami (1[1yohlo, Upnn accelemtloll hereof or nhllndoll1l10nt of Ihe Property, Lender, In person, hy IIgenl or by Jlrdlcllllly APllo!nled receiver, shill I be entitled 10 cnler upon, tako po~~esslol1 of lIi,d ll10ntlge Ihe Prorerly IInd 10 collccllhe rents of Ihe Property Including Iha5e pa,t due, ^" rent... <:ullcctr-ll hy l~lIdcr or Iho retr,ivcr shAll he applletl nr~ll() r~Yl1lcnl of the costs or OlMacenlenl of the Properly And collccllon or rent,>, Inclulling, hlfl nol Ilmlled 10, rccelver's (ees, premiums on receIver's hontlg and rcnsonllbl~ AlIorneys' fees, nnd tllelllo Ihe !llflll,q swued hy Ihis Securlly Instnlmenl. ^ny receiver shllll be liable If! Account only (or lIwse relll, actually rl.!celved, 19. Helens!!. Uron p"ymenl of All ~llnu secllrell hy this Security In!ltnlment, lender .shall dlschllrgolhb, Security Instrument without chArco 10 l1orrowcr. (Jorrowar shall (lilY all cosls of recordation, I("ny, 20. Nu Clnl1l1 of Credit for Tn.'(l!s, Dorrower will not llI11ke deduction from or c1lllm credit on lhe principal or Inlorest ~ecured hy Ihls Security lnslnltnenl hy reuoll of any govornmentllllues, u'JeumenlS or chllrges. norrower will lIot claIm any deductlon from the Ill~nhle vnlue of the Propr:rly by ren..on of Ihls Sccurlty JII~lnlmenl. . 21. Inleresl Rnle ^ftlH' Judgment. Dorrower Agrees Ihal Ihe Inlerellt rale paynhle aRer A Judgment b enlered on the Nole or In 1111 n(:lion of morlgtlge fnrecln!tllre Shilll be the rale stated In Ihe Note, 22. Rlder!'i to Ihls Secllrlly Instrument. If one or more riders are. r.xeclilc'd by l)c.ffower and recorded togelher wilh this Securily Inslmment, lhe covenAnts nnd agreemonls of ench slfch rider shlln ho 1l1corporlllcd In,lo nlld !lhAII nUl~rld And sIJpplcmenl the covcnlll11s And ngreemerH!l or thl~ Security In~trumcnt ns tr the rlder(!t) Wr:ro a pArt of Ihis Security Ih~lnlll1enl, I ,I I i i I I I I I I I i Icheck 'ppllonhle hO'(05)1 0 AdJustahlo Rllte Rider o Condominium Rider [) 1.4 Pllrnily Ri(ler o Grndualed Pl'ymenl Rider [) rlnnne~ Unit [) biweekly " Developmcnl Rldor Payment " Rider [) Olher(,) 1('I',olr)'1 CI Role Improvemenl [) Second --- Rid" 110m' Rid" M ISTflNU rlxno MTU t.1O"TOMln. ^fO(IOf11n' ,,^(IRSof6 ~OU~ l:~ 88 r~GE 171 t.!OOI8;<A,rAX " ,,?l '.f"" ,', NO'l'n '[3, gcJCO, j.M' , US $ CIII,I.,,;II1I1<1, 1'f:NNSY1,VANli 1'.\I..,GIt,O:t5DT0~IJ) _,(~!,:!!.~'" 4'--'.911' fJale 24.000.00 664 Shannon ~()",1, 1101 lillstlim:J.U<.UL...rULililL_____ (I'romr'y ^d(hcm) I , I. . ~l") II \ I, f' [L" !I ~,. ,I ~I l. nOIUlOW~;R'S PROMISE TO P^Y In relllrn for. lOin IhM 1 have rect!lved, I f1foml,e In lilt:,' U,S, $-----2..1.-!.illHl....PJL__.__.. (thl5 amnunt I cllled "prIIlClpi\IH), plu! lolt-rest, ta Ihe order orlhe (.tmder. '11l(lleudcr I. ^1lI1t \lft, F;l'h,\;i11; Company, I Division of Supoerlc Dank FSIJ. 1 undcnland Ihat the Lender mAY Imosrer this Nolo, '111ft Lendor or .n)'ono who Ink~.,1lhi, Nole hy Inmsrer Ir. who h entllied 10 receive payments under Ihb Nolrl b called the "Nolelhllder." 2. lNTF.RE~" lnlcre.,t will bo charged on the unpaid principal untlllho full amount of principal tllU been paid. I will pay Inl/He,'I. . yearly mi. or 11.950 -'I, Inl",,1 will be charc,d unllllh. principal has been paid In rulf. , 1"ha 1"lcreet rate required by this Section 2 I. Iha nla I will pay both before _nd _ner any default de1crlbed In Se.cllo 6(8) or IhlJ 1'101.. 3. PAYMENTS (^) Time and PI", or Paymen" I will pay ('Ionclpal Ind 1nlcrcsl by mlklng paymen" cvery monlh. I will mllke my Olclnlhly f1:\Yn1cnts on the ...2.~~' day ot ~r.,h month beginning on f'bv~t' 9 19-2.2, I will make Ihese paymenls every month until 1 have paid all or Ihe prlnclplll and Interest and any olher charc~ described below lhat ] mllY owe under Ihls Nota. Unlen appll~able law provides otherwl5e, all paymenu wlll be applied fin 10 IcOrued and ""paid Interest 10 Ihe date of pay men I and the remainder, If Rny. to Ihe unpaid principal balance. Any Ial Chllrges, collecllon cosls line! e'-pen5CS, dishonored check charges and payments mad" by Ihe Note Holder 10 enrorce this Not andlor to prl)lecl the Note Holder's Inlerests under the Securlly Inslr\lmenl (15 deOned In secHon 9) will be assessed $eparatel~ It. on Octooo,r 9, 2010 ,I stili owe amounls under lhl,. Nole, 1 will p:\y those Imounts In rull on that dat( which Is called the "maturity dnte." I will mllke my monlhly paymen!.! at 135 (;hestmlt: Ridge Road, Mantva1e, NJ 07645 .. or II . different place Ir required by the Nolo Holder. (8) Amount or My Monlhly Payment. Each ot my hlOnlhly paymc'nts wlll be In the BmOlln! or U.S, $ 287.27 4, nORROWER'S RIGlIT TO PREP^Y 1 have; the rlghllo make paymenu or prlnclpal at any lime berore they Ire due. ^ payment or principal only'is kno\\ !Ill a "prepaymenl." I mny mAke a '~11l prepAyment or pl1rtllll prepllymenl!! without p"ylng any prepaymenl pennlty. The Note Holder w\ ' u!!.e nil of my prepayments to reduce the amounl orrrinclpnlthal1 oYle tinder this Nole. HI mllke a Pllrtial preraymenl, Ihe wlll be no chRnges In the due dales or amounls or my monthly payments \lnless the No!e Hohler agrees In writing 10 Iho! changes. E'-cept as provided In secllon 5,thc Note Holder earns any prepaid financo chAfge allhe lime the loan Is mtlde ar no pan or II will be rohlnded In pay In full .head or .chedule, 5, LO^N CII^RGES Ha law or regulation, which applies 10 Ihls 101ln and which sets ma~lmllm loan charges, 'Is finally Interpreled so Ihat l' ,:: Inlerest or other loan chl'4rges collected or 10 be collected In connection with thls Joan exceed the pennllled Ilmlls, then: (I) a: ,such Intere!t and/or other loan charges sholl be rwuced hy the amount necessary to reduce the Inlerest and/or olher 10, chArges to the permUted limit; and (II) any sums already collected rrom me which exceeded pennltted limits wl1l he refund to me. TIle Nato Holder mllY choo,e 10 mnke Ihls rerund by reducing tho prlnell'al) owe under t1il~ Nole or by making a ellr! payment 10 me. Ir a rerund reduces. principal, Ihe reducllon wlll be trealed It! a partial prep"ymenl. 6, nORRO\VE.R'S I"AILURE TO P^Y ^S ItF.QUlRF.tl (A) LnICl Chrlrces for Overdue Payments lr Ihe Note Holder hAS not received the rlill.mount or Iny rnolllhly pllyment by the end or fifteen (15) cl'Ilend3r tit! .tler the lInle It 111 due, I will pay a laic chMce to Ihe Note }lokler. The amollnt of the charge will be five percenl (5 %) my scheduled ("'ymen! or principal and Inlerest. I will p"y Ihls late charge promptly bUI only once on e<lch lale payment. A .lnle chnrge will be In addition 10 Inlerest on the then outstanding prlnclpol ror t..,ch day jhe p~yment Is Illle, (D) O.rallh If I do not pay lhe rullnmount of each monlhly payment on the dnte It Is due, I will he In deraull, If I am III der.n tht5 Nole Holder will send me n wrlUen Mike telling me Ihntlf I do not PRY lhe overdue nmount plus permllled costs II cllpcnses by a certoin dnte the Nole Holder may require me 10 pay Immedlalely Ihe rull unpaid prlnclp:l1 balance plu.. ace("\; . I'^ '1Ntl Sln.('(O ^Ntlllt'lnnlll'lXIlO '-'\u (lA ,,(fO tlOTt!. "pc tlO prr (Inn,,)) '^Ot! I art] trrMIM,' '\ '\ Ind u"pald Inlerosl Inti any olhtlr ."1OlInh Ill1en owe under thl,lonn, '1111'1 1I1lltl mll~l he .11l'rlll 30 d"y':/. aner lht! duln on which llit Malice It m:tlled 10 me fI" If II If !lot 111;1111''', 30 llay' .ner Ihe dalr! (JfI which II It dt:llvered 10 n111, (C) No W.lver lIy Nolo lIold" f,yen Ir, .t . lime when I am In dcr!\ult, 1!l1l Nolrl lIoMor doe, nol rl'ejlllre me to p:.y Imlnedlitlely In full Rf de.crlhed ,hove, lhe Nole Uolder wlllatlll have lhe right 10 do 10 If 111m In tlchult nla Illlnr tlma. (0) Payment or Nole llnltJer', Cosl! IlId E...pnrue, If I dl:lrllllh, whether Of not the Nole Holder hllt required me 10 p"y Immetllllely In (ull" described abovc, the Noln lIolder will have Ihe right 10 he (laid hllck by me rut 1111 or It, co.1ls nlld ul'cnfcs In enrorclng Ihls Nole 10 lht! nxlent nol prohibited hy applicable law, Those u(lcn.c! Include. ror clIInlple. re.1mnable attorneys' fees not (lrohlblle~ by Ippllcahle law. 'wlllllso rllY' charge of $10 plus any Iclllal hank charges fot ench dIshonored check. draft or Diner In!tlilnlenl hsued by me In p'fnumt on Ihll lOin, 7. OIV1NG OF NOTICF.S Unlen applicable taw rl'lqulre.s . different nlclhod. Iny nollce Ihat mlul be glvol1 10 me under lhl! Nole will be given by dellverlnglt ot by mailing II by firsl clan mltillo me allhn Properly Address above or II a dlrferent address Ir I give lhe Nolo Holdor. nollce of my dlrferent addren, Any notice thai must be g!vlm to lhe Nolo Holder under Ih" Nole '.All be given by malllnc II by firsl clan mall 10 the N~le HollJer lit the address staled In Secllon 3{A) above I)r ala dlUerenl addre.u Ir I am given. nolll::e of Ihat dlrferent address. 8. BORROWER'S WAIVERS I waive my riCh I!! t(J require lho Nole Holder 10 do certain lhlngs, Those things Rre: (^) 10 demand (laymonl or amollnls duo (known .,"presentment"): (8) 10 give nollco lhal amounls duo hove nol been pnld (kOl.'lwn II -nollce of dl.,honor")i (C) 10 ohlaln an arnelal cer1lncatlon of nonpAyment (known as a "protMn, Anyone el50 (1) who agrees 10 keep Ihe promises mnlie In Ihl. Nole. or (lI) who agree, 10 make paymenls 10 the Hole Holder If 1 fall to ke~p my promise! under Ihls Nole. or (ill) who slcns thl! Nolo to Irll"sfer Itlo someone ehe (known IS "1!\I11nnlots, stlrctles, Bnd endorsers"), tho waives Inese right!. 9. TillS NOTE COVERED BY A SECURITY INSTRUMENT ^ Securlly Inslrument of even dale conlalnlng I descrlpllon of my real property rrolecls Ihe Nole Holder from possible los!lcs whloh mlcht re.'1u1t If I do not keep the promises which J mnke In thb Nolc, , This Hille h secured hy lhat Secllrlty Instnlmenl. Thai Seourlty 1mlrllmen! clescrlhe.. how anllllndc:r whnt condillons I mAY he required 10 mi\ke Immedlllte payment In tull of all amount! Ihnt I owe un..ter Ihls NOle. 10. RESPONS1Dl'i.lTY Of PERSONS llN1JER TillS NOn: Jr more Ihun one person signs this Note" each or us Is flllly and personnlly ohllllllled to pay the full amOUnt owed "Iu! lhl.l chnrl:e~ liS descrlhed In Secllons 6(A) fInd 6(0) And to keep nIl of Ihe promises mnde In Ihis Nole, Any gUArRnlor, surely. or endorser of the Note (a! described In Section 8 above) Is aho obligated 10 do these Ihlngs. The NOle Hohier may enforce lIS rlghls under Ihls Note against each of \IS Individually or against all of us logelher. 11111 me..1ns lhat anyone or us may be required to pay all or Ihe amounts owed under this Nole, Any person who lakes over my righls or obligations \Inder lhl~ Nole will have all of my right! lnd must keep all .or my promises made In Ihls Nule. Any persall who take.! over the rlchts or ohllcal1ons of a cunranlor, surelY, or endorser or this Nole (AS de!crihed In Seclion 8 ahove) is aha ohllS"h:d 10 keep IlII of the promises made In Ihls Nole, . II. APPL1CAOLE LAW Pedemllnw nnd illinois Inw w1ll govern the Inhm.,t rate r.harged on Ihl~ lonn, Olherwise, Ihis Nole shall be governed by Ihe htws of Ihe Commonwenlth of P~nnsylYnnla alltl any npr'lIcltble fedlJrnllRw. In tho event or a conOlel belween onv provision of Ihl~ Nole Ind any aprllcahle slnlulr., hw or regulation In effecllls of Ihe dale of Ihi. Note, Ihe $lnlule, law o'r r.egulnllon sholl control to Ihe c~lenl of such connkt and the conOlcllng pi'ovhlon conlnlned In Ihls Note shall he Wllhoul erfCOCI, .AII olher pwvlslons of Ihls Nole will renlnln fully eHo:ctlve "nd enforceilhlc, WITNESS TIlE HAND(S) AND SEAL(S) or TIlE UNDl'.RSIONED, , J." L UlUti~'L f<, d:t~e4;ey/ ().il.aLG11'L IJ\. rfqLd,l(~7f' G-JJtc.;/ld!.. C~ iL/d.e(-c- /, /.1-, (Seal) _ Hichl\el C. Bifalcot' .Borrower ~.,~lct, ct/Y'vv D.-Prck- v Debra Ann Bifalco (Seal) .Borrower (S..I) .norrower a (Seal) .DorrowClr rAOn1 nil] mOl\oIF..\,PM TilE LAW II'" ,.. 'fA' .\' (1' GREGORY JAtHWlAN If you do not cure the default within THIRTY (30) DAYS, the lender intends to exercise its rights to accelerate the mortgag~ ~yments. This means that whatever J.s owing on the original amount borrowed will be considered due immediately and you may lese the chance to payoff the original mortgage in monthly installments. If full payment of the amount of the default is not made within TIIIRTY (30) DAYS, the lender also int",nds to instruct it~.!!9rney.. to start a lawsuit to foreclose upon-your mortgaged EE.2Eerty. If the mortgage is foreclosed your mortgaged properu:: will be sold by the Sheriff to payoff the mortgage debt. If the lender refers your case to its attorney but you cure the default before he begins legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fee even if they are over $50.00, Any attorney's fees will be added to whatever you owe the lender, which may also include the reasonable costs. If YOll cure the defaul t within the thirty day period yoU will not be required to ~ attorney's fees above $50.00. The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage Note. If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time u,.e to one hour before the Sheriff's foreclosure sale. You may do so by paying the total amount of the unpaid month~ayments plus any late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sal! and perform any other requirements under the mortgage. It is estimated that the earliest date such a Sheriff's Sale could be held would be approximately five (5) months from the date of this letter. A Notice of the date of Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling your representative Mark Abbott at (1-800-451-1093 ext. 6072). This payment must be made in cash, cashier's check, or money order and made payable to your mortgage company. You should realize that the Sheriff's Sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the oroperty after the Sheriff's Sale, a lawsuit could be started to evict you, THE LA'" (J F , t (' Ii,~ tI,.. GREOOHY JA1MWHIV -'--.._.~..- .._----..-.._---~...._------ You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THIS DF:B~', OR TO BORROW MONEY fROM ANO'fHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY IIAVE THE RIGIIT TO SELL OR 1'RANSFER THE PROPER'l'Y SUBJECT 1'0 TilE MORTGAGE TO A BUYER OR TRANSF'ERE~E WIIO WILL ASSUME THE MORTGAGE DEBT, PROVI DED THAT ALL OU'l'STANDING PAYMENTS, clIARGES AND AT1'ORNEY' S FEES AND COSTS PAl D PRIOR TO OR AT THE SALE, AND THE OTHER REQUIREMENTS UNDER TilE MORTGAGE ARE SATISFIED, CONTAc'l' US TO DETERMINE UNDER WHA'l' CIRCUMSTANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGIIT '1'0 IIAVE Till S DEFAUL'l' CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If you cur~he defa~lt, the mortgage will be restore~ the same position as if no default had occurr~ However, you are not entitled to this right to cure your default more than three times in any calendar year. Very truly yours, :i THE LAW " " , I (' Ii.. f1~'. _ GREGOI?)' JAHJWHN If you do not cure the default within THIRTY (30) DAYS, the lender intends to exercise it~ rights to accelerate the mor~ payments. This means that whatever is owingon the original amount borrowed will be considered due immediately and you may lose the chance to payoff the original mortgage in monthly installments. If full payment of the amount of the default is not made within THIRTY (30) DAYS, the lender also intends to instruct its attor.ney to star.!: a lawsuit to: foreclose ~on your mortgaged- I?ropert'i:. If the ,!\ortgat;/e is foreclos~our m<?rtgaged proper.~ will be sold by the Sheriff to payoff the mortgag~ debt. If the lender refers your case to its attorney but you cure the default before he begins legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fee even if they are over $50.00, Any attorney's fees will be added to whatever you owe the lender, which may also include the reasonable costs. If~ cure the default within the thirty day period~, will not be required to pa~ attorney's fees above $50.00. The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage Note. If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still have the right to cure the default and prevent th,!3 sale at any time up to one hour b~e the Sheriff's foreclosure sale. You may do so ~-EaYing the total amount of the unpaid monthly payments Elus~ late or other charge~ then due, as well as the reason~ble attorney's fees 9nd costs connected with the foreclosure sale an4-P.erform any other requirements under the mortgage. It is estimated that the earliest date such a Sheriff's Sale could be held would be approximately five (5) months from the date of this letter. A Notice of the date of Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the defaul t will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling your representative Mark Abbott at (1-800-451-1093 ext. 6072). This payment must be made in cash, cashier's check, or money order and made payable to your mortgage company. You should realize that the Sheriff's Sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's Sale, a lawsuit could be started to evict you. THE LAW OFFICBSOF GREGORY .TA V ARmAN 44 Secolld Slreol Pike SUlle,WJ Soulhamploll, 1l\ IIi966 Phol/e: (215) 942.%90 Fax.' (215) 942.%95 November 25/ 1997 Sent: Via Regular and Certified Mail Philadelphia Office 202/locUSI Sireet 2nd floor Suile Phi/adelphia, PA 19J03 TO: Michael C, Bifalco Debra Ann Bifa1co 664 Shannon Road Boiling Springs, PA 17007 IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 PLEASE READ THIS NOTICE YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTA~CE TOWA~D YOUR MORT~E PAYMENTS P1easerepiy 10 SoU/hamplon office RE: Account (loan) No. Property Address: 660870460 664 Shannon Road Boling Springs, PA 17007 TO: Michael C. & Debra Ann Bifa1co FROM: Alliance Funding c/o Lee Servicing Company Your Mortgage is in serious default because you to pay promptly installments of principal and required, for a period of at least sixty (60) days. amount of the delinquency is $3,155.66.. You may be eligible for financial assistance that will prevent: foreclosure on your mortgage if you comply with the provisions of the lIomeowners' Emergency Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary assistance if your default has been caused by circumstances beyond your control and if you meet the eligibility requirements of the Act as determined by the Pennsylvania Housing Finance Agency. Please read all of this notice. It contains an explanation of your rights. have failed interest, as The total Under' the act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this notice. During that time you have the right to arrange a "face-to-face" meeting with the representative of the lender, or with a designated consumer credit counseling agency. The purpose of that meeting is to attempt to work out a repayment plan, or to Otherwise settle your delinquency. That meeting must OCCur in the next thirty (30) days. 'I'm: LAW tI f , , c: 1:.' (1'" CUEOOIH' JiH:4JWI,VV If you attend a face-to-face meeting with the lender, or with a consumer credit counseling agency identified in this notice, no further proceedings in mortgage foreclosure may take place for thirty (30) days after the date of that meeting. ~'he name, and telephone number of the representative is: Mark Abbott Telephone Number: (1-800 451-1093 ext. 6072) The name(s) and address(es) of the designated consumer credit counseling agency(ies) is(are): see attached It is only necessary to schedule one face-to-face meeting, You should advise the lender ilTU11ediate1y of your intentions. If you have tried and are unable to resolve this problem at or after your face-to-face meeting, you have the right to apply for financial assistance from the Homeowners' Emergency Assistance Fund, In order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application with the Pennsylvania 1I0using Finance Agency, The consumer credit counseling agency will assist you in filling out your application. It must be filed or postmarked within thirty (30) days of your face-to-face meeting. You must either mail you application to the Pennsylvania Housing E'inance Agency, or you must file it at t.he office of one of the designated consumer credit counseling agencies listed above. The Pennsylvania Housing Finance Agency is located at 2101 North Front Street, P.O. Box 8029, lIarrisburg, PA 17105. Telephone Number: (717) 780-3800 or 1'-800-342-2397 (toll free number) , An application for assistance may be obtained from the lender, from a consumer credit counseling agency, or directly from the Pennsylvania lIousing Finance Agency. It is extremely important that you file your application promptly. If you do not do so or if you do not follow the other time periods set forth in this letter, foreclosure may proceed against your home ilTU11ediately. Available funds for emergency mortgage assistance are very limited. That will be disbursed by the Agency under the eligibility criteria established by the Act.