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Home My WebLink About98-02214 .~ ) ') . t' .j ~ ~ I,; .~ \. cj ~ 11 , ::1 ,~ ~ .<) 4: ::s - <) C'\ ~ ~ ~ "" " . . .:) - ~ ~ ...... "i t'1 c.:.. ~I , ~,I ;_.1 . . Spear & Hoffman, P,A, BY: Richard M. Nelson, Esquire Attorney I.D, No, 72869 1034 Laurel Oak Road, Suite I Voorhees, New Jersey 08043 (609) 784.8220 Attorney for Plaintiff RESOLUTION TRUST CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N,A, 1400 EAST NEWPORT CENTER DRIVE DEERPIELD BEACH, FL 33442 PLAINTIFF, COURT OP COMMON PLEAS CUMBERLAND COUNTY DOCKET NO, vs, JAMES A, YOUNG AND SHARON K. YOUNG AND THE UNITED STATES OF AMERICA 2151 NEWVILLE RD CARLISLE, PA 17013 AND 615 CHESTNUT STREET, SUITE 1250 PHILADELPHIA, PA 19106 DEPENDANTS COMPLAINT IN MORTGAGE FORECLOSURE \, Plaintiff Is RESOLUTION TRUST CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N,A" with its principal place of business located at 1400 EAST NEWPORT CENTER DRIVE, DEERFIELD BEACH, FL 33442, 2, Th~ names and last known addresses of the Defendants are: JAMES A, YOUNG AND SHARON K, YOUNG AND THE UNITED STATES OP AMERICA. 2151 NEWVILLE RD CARLISLE, PA 17013 AND, 615 CHESTNUT STREET, SUITE 1250, PHILADELPHIA, PA 19106, 3, The interest of each individual De[endant is as mortgagor, real owner of the real property subject to the mortgage described below, or both, 1 . , 4, On or about SEPTEMBER II, 1987, Mortgagors made, executed and delivered a Mortgage upon the premises hereinaner described 10 RESOLUTION TRUST CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N,A., which Mortgage Is recorded as follows: Of/ice of the Recorder of Deella in and for CUMBERLAND COUNTY DA TE OF MORTGAGE: SEPTEMBER 11, 1987 DATE RECORDED: AS RECORDED BOOK: AS RECORDED PAGE: AS RECORDED The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R,C,P. 1019(g),' A true and correcl copy of said Mortgage is attached hereto as Exhibit "A" and incorporated herein by reference, 5, The UNITED STATES OF AMERICA is made a Defendant herein by virtue of a Federal Tax Lien which it has or may have against the mortgaged premises. Copies of the Federal Tax Liens are attached as Exhibit "B". 6, On or about SEPTEMBER 11, 1987, in consideration of their indebtedness to RESOLUTION TRUST CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N.A., JAMES A, YOUNG AND SHARON K, YOUNG AND THE UNITED STATES OF AMERICA made, executed and delivered to RESOLUTION TRUST CORPORA nON As RECEIVER. FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, NAlheir promissory Note in favor of RESOLUTION TRUST CORPORA TlON AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N.A., in the original principal amount of $42,750,00, 2 . 7. Plaintiff Is the legal holder of thc Mortgage and Note by virtue of being either the original Mortgagee, the legal successor in interest to the original Mortgagce, or the present holder of the Mortgage by virtue of the following assignments: ASSIGNOR: LINCOLN MORTGAGE COMPANY, A DIVISION OF ABRAHAM LINCOLN FEDERAL SAVINGS BANK ASSIGNEE: RESOLUTION TRUST CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N,A, DATEOP ASSIGNMENT: MAY 1,1992 RECORDING DATE: AS RECORDED BOOK: AS RECORDED PAGE: AS RECORDED 8, The Mortgage Is secured by property located at 2151 NEWVILLE RD, CARLISLE, PA 17013, which is more particularly described in the legal description attached hereto as Exhibit "C" and Incorporated herein by reference, 9, The Mortgage is in default because the monthly installments of principal and Interest and other charges stated below, all as authorized by the Mortgage, due AUGUST I, 1997 and monthly thereafter are due and have not been paid, whereby the whole balance of principal and all interest due thereon have become Immediately due and payablc forthwith together with late charges, escrow deficit (If any), and costs of collection including title search fees and reasonable attorney's fees, 9. The following amounts are due on the Mortgage and Note: Principal Balance $20,273,89 ' 9,75% interest from JULY I, 1997 to MARCH 31, 1998 at $5.42 per day Accrued Late Charges $1,480.31 $181.12 Attorney's Pees ll..O.llM TOTAL AMOUNT DUE S22.654.~6 Interest continues to accrue at the per diem rate of $5.42 for every day after MARCH 31, 1998 that the debt remains unpaid, 3 · II, Pursuant 10 the notice provisions of Act6, 41 P,S, fi403, Plaintiff sent a Notice of Intention 10 Poreclose Mortgagc datcd DECEMBER 30, 1997 to the defendants, by certified mail, retllrn receipt requested and also by regular mall. Copies of the Notice of Intention to Foreclose Mortgage sent to the defendants Is attached as Exhibit "0", Defendants have failed to cure the default, 12, Pursuant to the notice provisions of Act 91, 35 P,S, fiI680,403(c), notice was sent to I;lefendants, dated, Copies of the notices to the defendants are auached as Exhibit "E", Defendants have failed to meet with the plaintiff or any of the consumer credit counseling agencies listed in the notice and/or have further failed to meet the time limitations specified In the notice and/or have been denied assistance from the Pennsylvania Housing Finance Agency, 13, Notice pursu&nt to the Fair Debt Collection Practices Act is attached as Exhibit "F", WHEREFORE, Plaintiff respectfully requesls this Court 10 enter judgment IN REM in favor of Plaillliff ad against Defendants In the amount set forth In paragraph 9, together with interest, attorney's fees, and other expenses, costs and charges coilectible under the Mortgage and Note and for the foreclosure and sale of the mortgaged premises, DATE; ~ SPEAR & HOFFMAN, P,A, , l~~'E~U1kE 4 . 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''''o~t. 1.>)' !l\nd. .1\1\.(, or J.oI1n.. ,1, H~'kt'n, (Ir whl..:11 thlR f'<J11'n0f'1y ''''HI U IHII't j ~fl(' I.IllfJI.tJl'll h('UIHlary of' l.11(: Jl"OrJt)l'ly tll'I'~IIJ CtJrlvt'1j'ed l.'t'1r,g 1~,fI,2 rf:~~. 1n lC'llgth, thl1 Il(lu'.IH'N. l,C'und.J{"Y 1J('lnC 108 fltet tfIOI'(! 01' l~t\$, ,q,....d tl'if.' Q(l!;tt'I'U I.I(I\HIIJttl'i' 111H! r"ullnlnr. lIol't.h fwd Soutl) wt\lon pOr,.ue!!Io thl\OU~VI (l. woll of Wlit,IH on t.ho t1l11(j pl'o:mlo{>(\, bttlr\f. 1~9 1/2 rf;O';., n\OI'(I 01' le88, "lid Ill\Ylfl~~ UI~J'.e-()n Cf'eCLod II ';w~ stol',y ('I'hmf) dwelling ~Iouat:, nnd r",ceaUUI'Y out.bul11l1ng.$, ~f:lIlC; Iht' "AMi' Ilrl'r~hl!(l which IIl:'hn f'l. Ktll1~r, oC 61. hy lIf'nd dllh'd ^UI\U.l 10, 1C)1l/! nnd r"~ord~d 1n C~lfll"(!rIIH\d County In VlJt'tJ Rook "V", VIII\lIn. 30. r.~\. 660 f,rd.\tod nntJ I:OUVllYOtJ tJllt(l JAmt'lI '\. Y(lunr, ahd ~harofl K, YOUliJl., h1l wUIt, III hI, Dt-:ttH; KIW\o!ll '1'1 21S\ NcwUlo /llltll!. \INliER ANI) SUBJECT to cerCllln rhihto 40 appur of record. bOO\ b81 FADe 1 ilf ~"~".'" " -, ,. ~ ,; . ,~'... H ", . . j' . " i ....... ~,,,.. . NU~,UN"O"M COV[NANlI t)Qt,owu .nd lAnd., rvr1hCf CO~41n.nl'r\d _'f<<" ((lU\I" , If. AUflu'lhtn; Rf"lfdl.\. 1AIldu ttltll .hlt "nd,. I. U."""" prlo, to uul,tI,lol\ '11110.'''. rlM,n..,,'6 "ruth 11( 11"'1 COtf".'H ., "'''''''''11,, 'hIt SIClHll) '"II,u,",lIt 1\111 nol ptl!), lfl unltl'llon lind" ,.'IIII.ph, I) IlId I' ....I,u ."IIUblt I." pfculdl" blhuwlttl. I..ndu .".I1I\OII'~ UUffO_U (I', ."\U'I~ nthu lhlnlt" 'oil the ddl\lllj HI' lhl .ttlan 'fqvl"d III ,"Ult' tht df'.wlll tct ..htn ltlt ddliYU "'ll~lltt tul,d;lnd (dlltllll r.llu" In Clift thr ddlt\lll J\ \~ulf\,d m.y fuulll. .((fIU.tllll" of ,tit 1Umt tWH,d bt Ihlt ~'(U'llr Intl,unUinl. ,,,,,,,Iu"'" b) JudlCI., p,"(C',dlnl! ~I\d ulf nr 'h' 1'101'."" I.flldfr 'h,1I fllrthe, Infu'," UI)"O"" ut'ht' ,I.hl tn ,dMUU .11" .al'lfullnn ,nd 111< rlflhllll m\'rl In Ih\' (arUhl\\!ff ,t~h,.dl".lh, twll,ulU,nn ot, d.'1lI11 or Ill) nlhrf dtl,"U lI' l1u"o\ll" l(lllrnh'fllllll!\ I'ld fHfHillWH If lht dllhull h!\Ot Clmd., ,p~(tnfd, l,ndtf .1111 oplloll "") f(quln I",m\'dhl~ piI)t!\{'nllll full II' III tit"" 'HufI'd blllli, f1,clI,lh IIHU\l~'vnl wllhO\l1 fUlth,' lhm.nd "Id m.. hll'tlnu Ihh SI'C'IIfI!> 11l,llulnl'!\lll~ Jll<lh'idl p,uHT4In~, I rlldl'f 111.11 b,t 'nllll~~ 11/ (jlll~C'C.1! f'pl'niU In(lImlt III punulrlM nit HnH.dh', p,."ldl.d hi 11\1, p~,"ltlltph I~, Ill(llldlnl/. "Ill nl,1 Umlud 10, .1l~lIn(~" hn .nd C'IlUt or llllt tfldflltr to th, 1I,llInll""fnlllfd ht ..pp",.ll'" Ill"', JO, 1,(lIlIl'l III "0,,(,,1111\, llr"1l ~Helu"tIMl Ull\l~" IIJI,II"II,h PI \1' ilt'JlllhUlllh'1I1 1'( It\\' l'I"rdlj, t l'll\k, lill ~"(\I\, h} 11"'111 II' ,,) Jlhll\IJllt llNl(lllll~.1 u~'tll\'n ~Iutl \1~ \'lllIlkllll' l'lIl~r IIP"r\. 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'h'i,,,I~ltl1\,,n\ 1'l'flot1. 01" 'ltW~r'( Ilnlt \\1 r(tr\,IJh' pIC'IHkJ III I'M,I!:"ll'\; I R \klll ~ l1,'1l11 I" ,q,,' h"lir P'I,'t III lh( ,'(\l\In\I'II\".'III"III (If bal<IltI~ III ~ \I'\'lirr, 'Jl~ III nlh~1 \J'~ I'UI\\J.tll1 W II", ~l''''llllt) l'hll',11I1 ill ~~, 1'lIfdl"~C :'Ilt'M~ 'twll:<tl:t, If "0) 11( I", d,bl ,':';I"CJ 11) 1'lIl, ~~\'111i11 III~lI\lnllllll\ 1.011' Ilf '''''1,,\4 ,'I \II J'1l111'" wi. II' Itl..' l'lc'ferll. Ihl\ S\\'lllll) 11l~lfum~lllll,~t1I... II pIH\'IHI't flhluty t1l\1flfJ~~ H. I!lurf" n~lt .\fIH Juduml,nl, UuIIU"'U Ji~'''~\ 111"11"( il1lt"fl'U lill\'I',I),II,t~ aft\'l ~ Jlldi\IlI~lIt 11 ~nll.,\.\t 11IIIht NQIC 1'1 ill all ,1l"I\ln IIf IIIMl,.'I' f,,,~dll\u(~ \MHt< 111< 'Jlt p")~"lc fn'IllIII\I~ l\llichC ulldd Ih, N,'lc U. Pith-IIII'! Ihh S,curH) InUr\lllltlll. ""ne ('If f\lute IlIk/\ MC CHl,ul(\Il<)' fh'rllI......., ~IlJ 1('(llllleJ h'~\'llI\'f -.-1It. Ihi, 'SU\'Utlly IrI'I'UI\l~nl, Ihe ';1" Cll:Hm ,llld ~~'cfmllnU ~,r c~~h iud\ ,;\1<1 ..llull ~\. lIlC\Hlll'IJwJ Inl~1 ;md ,11;111 an\~"\' .Ill" nIPI\ldn(ll\ Ih.: \,o.er\;lIil) .nd a~h.\'n1~nU Il( ,hl\ S(C\lIlI~' lnWIH'I(I\I u.. i( Ihe ,.d~lhl ....(h' ,\ (',If I Ilf Ihi~ $<,'11111, "I\IIUl1\tnl IChc~'~ ^r;>II~"\llc l,.\,,(t'ul o ^dJII\l;lhlc )(al( l~i\1u DU';ld\l;llCd I'J)'nI<nl Itlt,ler Otliho(,II'f".'I'lf)'J [) Cnndlll\\ln\\lfn Rillel o Pll1mleJ Unil OC~d(1rfll~nl n2--1I'lIn\Ilrf\ldtl Itllh'l lh' ~lfj~INlJ \1[11)...., llof1owu ,'(Crll and '1Ice\ 10 the \elllli mnd C\"'tr\~l\l\ conlllintd hI thit SCl,'ulil) llUlIUIIl(nl JIIJ In liAr rjdcr{~' t~e,:ul(d t.18ulto.....u and 'c~orded \lti\h II Wltne ~c, 01(,0i)l , f7^'it):". ..,...,...-n :;_ ...... b'-''' ::-- ,.15: 7<:)~~~:"""" 1~q1l,:q~u~I(} :':(~ ".. ....,....,:.l~:!/ ~,:f,f(;i.:,~l;., g,..~c..~r.<Z....................,..,IS..1) SHAROtl r.. 'totl~o f;'::F;.' ...k"I1.... i~'.. ~ n (,'UMMON......C ..1l1ll)F 1'lImnl\'MlIA, 'H,,,,,,,,,(;{~:M.tl~'.J.:~~.I..,.... C()un'~ H. On lhil, lhe \ BJ:\ ...",,,,,,,,4.111)' or "s,r.,P'l'JUI.IlP.a ' ,11),.8' ., belon M, "th+" .ub.c: r lbll r ,,,.,,,.NQ.~ l\,U',.,~.\.Ibl tq"".. ..",1M unllcnlll/'ltd {Ifnr.t:r, l'I<,noMlly ilflr~.Hed J^HtD,..".."YOUHQ'''ltfH).&IlAIf.ON K.,.,.J,OVli.G ...",. "..,,,,,,,,,,,...,...,,....,,...,,...,,,,.,""",..,.,,",...... ....'" kll0....'0 10 Mt (OIlatllf.cIOdl)' fll~~,\'.(n).lt1 ~,~ Ihe PCI\Ilt\ . ,....1101<' namU,.aU ,ubl<libCd h.llhe v.hlHll IIl,UIllllcnl ;\nd .(kno....1cdl'ed Ihltl .0.~0,Xl..~', J C~(},U\~J Ille ~l4m~ fOI lhe purpOlC1 herelll ,onW1\td ...~, \ ,'" '" 'I ~, J~'" '.,) ";., J, ,....t. , '.. 1ft :>,.~" h'j~~~.~ ~ IIfIH:,Jt', I hcftunlO Itl my ht.nd llnd Offj'IJt'1 d' " ,~, "I,., ,. \ '{. / l/~ ,/] '(I' 1 ~.. .1' /' I vlY..... \. . "- \ ,) \~ml'.Jn( pU(I .ocn., Ih!l~, HQr.m ,u.ue.I '" /l"" "" " ". """"".... '" ,,,..,,,, ~ PI'" ,."'ll:' CAUIUUO~,eU.ll'U1.AHll(OU/lll (! ", '.'~~ '.; ",'. ':'.'1.::,:/'1,.:' lilT eONKIUI'" (JPt~U 0<:1. tit.. ..., ."" .. ".'''''''' ,..... . ".."'''""""......,...., .., l\ 1,1'1 01 O'hU' '. ':1y"r\\',."" "'h.".""","'" I (WII)' lhallhc rfed,C. plll':C O( busmW of the .....llhln nllrn~d MorlllllaH II '" T",,'inlna ROld, O",hCf, rcnn,~.h'lIf1la 1/x)~S, '[hi> ..11 l b ..,..,..,..'.... d.y or ..,UPTKHU~"...., , 19..8 7.. ~ / ....,..,..' ..~~~/,J,2~f{%;o,~j'OI.O'7t..':">,':'::~"J.. , ( (l'l :t,. ii():f (Oliff"'" "," fl,I.(ORo((lln \h'i--P..t.~1jI for nc~rdill" at Occd~ i(\1J!,J ).... "."."..I'k'~' -""'''S:S'' '~,' ":.I~,"'l"","',"'l In MorIl'I' Oook ......;::-:.')~.7 !"P!;':'~")"" r'l' '/U..).., , ,~:"'i ,';\~~~, O.IC ..,,,,,,,....'.,....,,,,,,,..,",,.., ""(.(r;.,,,,,J,, ,., kCCl.lfdcf ,,,,,,,,, ..... .." .~~,.".:':'l." I \~ " :. t. II',' '.J ~ .: /',',' " "J ",., I. " -' "'" ' " 'fl:- '" ',':' ~ ' 't '<:~~ .-.,:~;,~;;;.,i '17...,7';,,'....', ! ~OOI b~ 1 flt[ l:1f, .....- " .. d' ....."... .' '." ...~,~..H.....~ ,"..".........---.-. ..... IJE~cU dUO rlUl 'Jlctl],l~A. DATE: I?/}erf<"1 ~:~~ <'~) \;.,:',: ,,,'In, C, Spour( 1922,1976) VIA CERTIFIED MAIL Rllll.lJW RECEIPT REOUESTED JAMES A, YOUNG 2151 NEWVILLE RD, CARLISLE, PA 17013 RE: RESOLUTION TRUST CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N,A, Loan No, F8502731801 Pl'Openy: 2151 NEWVILLE RD, CARLISLE, PA 17013 ACT 6 NOTICE NOTICE OF INTENTION TO FORECLOSE THIS FIRM IS A DEBT COLLECTOR A TTEMPT.lNG TO COLLECT A DEBT, THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. The MORTGAGE held by RESOLUTION TRUST CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N.A. (hereinafter we, us or ours), on your property located at 2151 NEWVILLE RD, CARLISLE, PA 17013, IS IN SERIOUS DEFAULT because you have not made the following payments Regular monthly payments of $492,86 for the months of AUGUST I, 1997 through today's date (DECEMBER 25, 1997) 9.75% Interest from July I, 1997 through today's date (DECEMBER 25, 1997) Late Charges from AUGUST 1,1997 through today's date (DECEMBER 25, 1997) $2,464.30 ~796. 74 $113.20 ,.,,-...... ..........-. $3,374.24 Z 452 779 428 us Postal S.,vlc. Receipt for Certified Mall No Insur.ne. Coverag. Provided, Do nol us. lor Inl.mallonal Mall SBB rBVe,.B I cure this default, or in olher words, get caught up in your payments, 374,24 within THIRTY (30) DAYS, of the date of this leiter, by paying to us Ius any additional monthly payments and late charges which may fall ~ollfact the undersigned at 609.784.8220 to detennine what late charges are due during this period, Such payment must be :ck, certified check or money order, and made at: P..lage Cer1lfIedF.. SpedoJDoIIvoI'fF.. SPEAR & HOFFMAN, P.A, 134 LAUREL OAK ROAD, SUITE I VOORHEES, NJ 08043 Restricted QeijY81)' Fee ~ Roturn Rocelpt Showfng to ,... IM'Iom II Dill DeWYared '; _IIo:O\>IIIhool'cI~_, .t Dall ,Ada..... AlbMI 8" T01ALP....gt&F...' $ , ~ ..tm....0I0". Youn ~ ~JN,P~ 0'-17 (3 nIt within THIRTY (30) DAYS, we Intend to exercise our right to :::JRittalll@P,SPl.wIdlf~~~'tFl (!ro~re/li.m~~~B!1 aM113 ' II Voorhees, New Jersey 08043/ (609) 784.8220/ Fax (609) 784.8322 nSbury, Connecticut 060891 (860) 408.6125 / Fax (860) 408-6127 ,.' ~ ,,...,, \ l ("\ ',.\ borrowed will be considered duc Inllncdllllcly 1111I1 you 1I11ty IONI' Iho dIlIlWI' 1(1111)' of,. IlIe 0l'11l11I1l1 mortgage in monthly installmcnts, If filII paymonl 0" the IIl1loUUI of def/mllls 1101 made wllllln THIRTY (30) DAYS, we also Iflfelld to slart a lawsulllll JI".,'dll,lt' .1'1111111I11I11/111/1'1/ flmperty, 1/ tit" mortgal/I' 1.1' foreclosed, your mortgaged property 11'/11/11' ,wid /1.1' III,' ,\'11"/(1//11 /WI' ,ifJ'llIt' Morll/III/I! (/,,/It, If wc refcr your casc to our allorneys, but yuu cure Ihl' dclillllllll'''"'' tlwy hCf\llIlc~lIlllfoceedilll!s IIglllllst you, you will still havc to pay lIw rellsollllhle 1I110rlWY'N f('I'N, 11('1111111.1' lnl'llrred, Ul'lo $50,00, However, if legal pl'Oceedings arc slMled 1I1llllllS1 .1'011, )'011 will hllve to 1111.1' Ihe IllllNOnahlc allorncy's fees evcn if they are over $50,00, Auy IIIIOI'III'y'N "'I'N williII' IIddl'd 10 WhIlWV(,1' you OW" lIS, whleh may also includc our reasonllblc ,'OSIS, (lyou "/11'I'11/1' d"!1I1I11 11'111111/ 1111' l1//R1'f' (,10) /M Y period, you 11'1/11/01 be required 10 flay IlIIonwv '.I' /t'l',f We lIlay also suc you pel'souillly for 1110 lIul'lIld 1" iuell'lIl halllfl('l'lllld 1111 olhol' sums due under the mortgagc, If you have not cured the dofllult wltlllulhe TIIIHT\' (.10) DAY pcdod aud foreclosure proceedings have begun, you .1'111I11111'1' 11/1' rll/lIll11 ('1m' II/(' dl'Jlml1 tll/(/ fll'l'l'CIlIlllI' J'a/I! at (IllY lime III' 10 aile h01l1' before Ihe Sheriff's fOl'ee/o.fltl'e .mIl', 1'111111I11.1' do ,HI by fltlyll/g tile tOlal alllouf/( of Iile ullpald 11I01/111/.1' paymeflfs plus allY Itlle o/' tlllle/' dlll/lle,f 11,,'11 Illte, tI,\' 11'1'1/ tI.f till! rea.fOllable (IUomey fees tll/d costs cOl/lICcled witll tile fo/'ee/o,l/lre ,\'(/Ie Itllld /It'/111/'11/ tllIY otllel' requll'elllel/t.f ulldcr the 1I/0I1gage). It is estimated that the earllesl dale 111111 slIch a S/ulrlff's salo could be held would be approximately 5 months, A notico of Ihe dale or Ihe Sheriff sale will be Ront 10 you befort rhe sale. Of course, the amounlneeded to curo Ihe defaull will Increase the IOUIlCI' YOII wall. You may find out at any time exactly what the rcquired pllymeut will he hy eal/lull us or our attorneys al (609) 784-8220, This payment must be in cash, cashier's check, ccrtlfkd check or monoy order and made payable to us at the address stated above, You should realize lIlat a Sheriff's sale will end YOUI' ownership of the mortgaged property and your right to remain In it, If you conllnue 10 live lnlhe pmperty aflor the Sheriff's sale, a lawsuU could be started to evict you, You have addUionol rig/us 10 help prolccl YOIII' illll'l'csl iuthe property. YOU HAVE THE RIGHT TO SELL THE PROPERTY 'fQ OD'I'AIN MONEY TO I'A Y OJl'F Tim MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER UNDlNG INSTITUTION TO PAY OFF TIDS DEBT. YOU MA Y IIA VE THE R1G1l1' 1'0 SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER Oil TRANSn~REE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL '/lIE OUTSTANDING PAYMENTS, CHARGES AND ATI'ORNE\"S FEES ANI) cosrs ARE I'AID PRIOR TO OR AT THE SALE, AND THAT THE O'fHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES 'fHIS RIGHT MIGHT EXIST. YOU HAVE l'HE RIGHT TO HAVE TIUS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF, 1/ you cure tile dl'faull. tile II/ol'tl/age will be /'e,flOl'l'd to IlIe sallie pos.'lloII 0.1 if 110 default IIad occurred, However, you are nol entitled to this right 10 curl' YOllr default more than three times In any calendar year, .... 01Jt:,ar anet j-Jo;!,f'lllan,J?A. --..,..............___.._~..__._T<_.__, ~_~....~____+_4__,_.__..__.___..~ DATE: I?'~J (') 'i;Y 1,\'111' C, SilO" (I922.1976) VIA CERTlPIED MAIL RETl!RN RECEIPT REQUES'11ill SHARON K, YOUNG 2151 NEWVILLE RD CARLISLE, PA 17013 RE: RESOLUTION TRUST CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N,A, Loan No, F8502731801 ProperlY: 2151 NEWVILLE RD, CARLISLE, PA 17013 ACT 6 NOTICE NOTICE OF INTENTION TO FORECLOSE THIS FIRM IS A DEBT COLLECTOR A11'EMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN A'ITEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE, The MORTGAGE held by RESOLUTION TRUST CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N,A. (hereinafter we, us or ours), on your property located al21S1 NEWVILLE RD, CARLISLE, PA 17013, IS IN SERIOUS DEFAULT because you have nOI made the following payments Regular montWy paymen\S of $492.86 for the months of AUGUST I, 1997 through today's datI'! (DECEMBER 25,1997) 9,75% Interest from July 1, 1997 through today's date (DECEMBER 25,1997) Late Charges from AUGUST 1, 1997 through today's date (DECEMBER 25, 1997) TOTAL DUE Z 452 779 429 us Pootal SelVlee Receipt for Certified Mall No Insurance Cove'age Provided, Do 1101 use fo, Inlernallonal Mall See ,eve,.e . 11II 011 ,1I1., I ode Pootage Collillecl Fo. $ ,.3:7 1,3~) Sgedol Delivery F.. Aoalllcted DeII..ry Fe. ~ 1101.... I\&ctlJll ShowYlo I. ~ Whom' Do" 0e1VM<l ]. ~='::"~-' I, 0 8 TOTAL P_ge IFMo $,:)., 7 7 ~ OItm8l1<0' a" YO(,ln l(ll)l1v() ".r~ $2,464,30 $796.74 $113.20 $3,374.24 cure this default, or in other words, gel caught up in your payments, 174.24 within THIRTY (30) DAYS, of the date of this leiter, by paying to us Ius any additional monthly payments alld late charges which may fall 'ontact the undersigned oJ 609.784.8220 to determine whoJ loJe charges are due during this period, Such payment must be ck, certified check or money order, and made at: SPEAR & HOFFMAN, P.A, 134 LAUREL OAK ROAD, SUITE I VOORHEES, NJ 08043 Ull within THIRTY (30) DAYS, we intend to exercise our right to :otIJleJ!.\\f~IlMlAVifl~~cr(.\b,,_:ffi9'M{i. MlWlb II Voorhees, New Jersey 080431 (609) 784-82201 Fax (609) 784.8322 lsbury, Connecllcu( 060891 (860) 408-6125 1 Fax (860) 408-6127 , " ~ ~') t, () hOl'wwed wllllw collsldured lhw liilllledlllll'/y IIl1d YOIIIIIUY lose 11it' dUlIICC 10 payoff' the orlgiulIl mOI'tgllIW Jllmoulhly IlIsllIIImeuts, If hll/ /lIlYllwul of till' IIUlllllllt of de fllu II Is 1I011llllde Wllhlll THIRTY (30) DA YS, 11'(' 01,10 III/elld 10 ,\'lOt/ (/ 1IIII',flllllo.!il/'l'('lo.\'(' .1'0/(/ l//IInlllllled prop,.r/y, (1'Iht' //Iot/llolle 1,\' fiJ/'I'I:!o,fI'd, YOllr I/lOrlgogl!d pmpeny 11'/11 hI' ,\'Old 1.0.1' III,' ,\1/1'/'itl'lo pay '1f'ht' MongOl/I! debl, If We I'cfla' your CIlse 10 0111' 1I1101'1Ieys, hUI YI'U Wll' lilt' d<'fallll hefore they heglu legllllll'ol:eedlugs agulnsl you, you wlll slill hllvc to PIlY the rellSOUllhll' 1I110Ille)"s fel's, ue/ulIIIy IIICUl'l'cd, up 10 $50,00, 1I0wel'Cl', If Icgal pl'Ocl'cdhllls III'C sfllrted 1I/:lIll1st )'011, you will hllvc 10 /lilY Ihe Hlllsonllhll' Illlonwy's fees even if fhey lire 01'(\1' $50,00, Auy uuollley's rl't'S 11'11/11<' udded to whutevel' you owe us, which mil)' IIlso include our rcas(J/Il1hle cosls, I/.l'olll'lll'/'III,' d'iilllll II'Ilhllllh,' HI/RTY (30) DA}' 1}(!I'Iod, )'011 11'11/ /101 be ref/lllred 10 pay a//ol'l/t'y'sfi'".f, We may also sue you persoually for Ihe uupllld principal balauce IInd all other sums due uuder Ihe mOl'tgagc, If you have not curcd thc defauh within the THIRTY (30) DA Y period and fOl'cclosure proceedings have begun, you .flill have Ihe I'Ighllo cure Ihe defallll alld prevent Ihe sale al any lime up /0 aile hOllr before Ihe SherljJ's foreclosllre sale. YOII may do .fO by paylllg Ihe tolal all/oulI/ of Ihe IIlIpald I/lOlI/hly paymenls plus any lale or olher charges Ihen dill', as well as Ihe reasonable aI/orne)' fees al/d COSIS cOl/llecled w/lh Ihe foreclosure sale [alld pe/form allY OIlier reqlliremeflls under the mortgage]. It is cstimated that the earliest date ilia I such a Sheriff's sale could be held would be approximately 5 months, A notice of the date of the Shellff sale will be sent to you before the sale, Of course, the amoul1lneeded to cure the default wlll increase Che longer you wait. You may find out at any time cxactly whatllle required puymeuI will be by calling us 01' our allorneys at (609) 784-8220, This payment must be in cash, cashier's check, cenified check 01' money order and made payable to us at the address stated above, You should realize that a Sheriff's sale will end your ownership of IIle 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 slaned to evict you. You have additional rights to help protect your il1lel'est in the propeny, YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAYOFF THIS DEBT. YOU MAY IIA VE TIm RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PA YMENTS, CHARGES AND AITORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUfREMENTS UNDER THE MORTGAGE ARE SATISFlED, CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF, If you cure I/Ie default, Ihe mortgage will be reslored 10 I/Ie same posil/on as if no defauil had occurred, However, you are not entitled to this right to cure your default more than three times in any calendar year. ~~~ ,. .. ..., L,I\\' UI/JCCS SQcar anql-12tjl1.~Ul, liA. DATE:.13l'~"( '"'In< C, 5,,,,., (1922"916) ~ \.:;} YlA.RE.QUUR MAli, SHARON K. YOUNG 2151 NEWVILLE RD CARLISLE, PA 17013 RE: RESOLUTION TRUST CORPORATION AS RECEIVER rOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N,A, Loan No, 1'850273/801 Property: 2151 NEWVILLE RD, CARLISLE, PA 17013 ACT 6 NOTICE NOTICE OF INTENTION TO FORECLOSE THIS FIRM IS A DEBT COLLECTOR ATIEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATIEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE, The MORTGAGE held by RESOLUTION TRUST CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N.A, (hereinafter we, us or ours), on YOllr property localed al2151 NEWVILLE RD, CARLISLE, PA 17013, IS IN SERIOUS DEFAULT becaus~ YOll have not made the followJng paymenls Regular monthly payments of $492,86 for the mouths of AUGUST 1, 19!J7 through today's date (DECEMBER 25, 1997) 9.75% Interest from July 1,1997 through today's date (DECEMBER 25,1997) Late Charge.~ from AUGUST 1,1997 through today's date ' (DECEMBER 25. 1997) TOTAL DUE $2.464,30 $796.74 $113.20 $3,374.24 The total amoulll now required to cure this default, or in other words, get caught up in your payments, as of the dale of this leller, is $3,374,24 You may cure this default within THIRTY (30) DAYS, of the date of this lerrer, by paying to us the above amoullt of $3,374,24, plus any additional tn01IIhly payments and late charges which may lal! due during this period You must contact the unde1'ligned aI60,9.784.8220 to delenllllle what additional lIIolllhly paymetlls and late charges are due during l!lis period. Such payment must be made either by cash, cashier's check, certified check or money order, and made at: SPEAR & HOFFMAN, P,A, 1034 LAUREL OAK ROAD SUITE I VOORHEES, NJ 08043 If you do nOl cure the default within THIRTY (30) DAYS, we i1llelld to exercise our right to aCOWntql1lJ(f;~lJ('(Jf1M~9t'coThitlll1l~fldW~~~1 tMrdBH'i9t/1M[ifljB~I~_ II NJ/PA: 1034 Laurel Oak Road / Suite 1/ Voorhees, New Jersey 080431 (609) 784.8220 1 Fa~ (609) 784.8322 o CT: 237 f1opmeadow Street / Slmsbury, Connecllcul 06089/(860) 408-6125 1 FA!( (860) 408-6127 ~ f) " (\ .... borrowed will be com:ldered due humcdlatcly and you may lose the chancc to payoff the orJginal mortgage lu monUdy infJtallments, If full payment of the amount of default is not made withlu THIRTY (30) DAYS, we also IIIWlld /() .\'Iart a lawSl/lllo foreclose your morlgaged property, If lite mortgage Is foreclosed, YOllr morlgaged property will be ,wid by IlIe SlIerlff 10 payoff the Mortgage debl, If we refer your case 10 our atlOrneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable altorney's fees, actually Incurred, up to $50,00, However, if legal pl'Occcdings arc started against you, you will have to pay the reasonable altorncy's fees even if they are over $50.00, Any altorney's fees will be added to whatever you owe us, which may also indude our reasonabk COSIS, l./yolI l'IIre lite defallllwilltillllle THIRTY (30) DA Y period, YOII WillllOf be reqllired 10 pa)' aflame)' ',! fees. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage, If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, YOII slillllave IlIe rigllllo Cllre IlIe defollll alld prevelllllle sale al allY lime lip 10 aile 110111' before IlIe SlIerlff's foreclosllre sale, YOII ma)' do so by payillg the lolal 0/11011/11 ,of IlIe ullpaid mOIllMy payml'lllS pillS allY lale or oIlier charges IlIell dlle, as well as IlIe reasollable allome)' fees alld COSIS cOllllected willt IlIe foreclomre ,!(lIe {alld perform allY oIlier reqlliremelllS IIlIder lite mortgage}, It is estimated Ihat the earliest date that such a Sheriff's s?le could be held would be appl'Oximately 5 months, A notice of the date of the Sheriff 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 al any lime exactly what the required payment will be by calling us or our altorneys at (609) 784-8220, This payment must be in cash, cashier's check, certified check or money order and made payable to us at the address stated above, You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in it. If you continue 10 live in the Property after the Sheriffs sale, a lawsuit could be slarted to evict you, 'IOU have addilional rights to help protect your interest in tlle property, YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATIORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, , AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES TmS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF, Ij )'011 cllre Ihe defaull, Ihe /IIortgage will be re.llored 10 Ihe same posltiol/ as if I/O defaull had occllrred, However, you are not entitled to this right 10 cure your default more than three times in any calendar year, Sl~em!lalld J106!21m],.l~t\. 'DATE:~1 r) ", I,d", C, SI"'" (1921.191<,) " . " YIJ\ REOllL.AR MAIL JAMES A, YOUNG 2151 NEWVILLE RD CARLISLE, PA 17013 RE: RESOLUTION TRUST CORPORATION AS RECEIVER FOR TIlE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N,A, Loan No, 1'8502731801 ProperlY: 2151 NEWVILLE RD, CARLISLE, PA 17013 ACT 6 NOTICE NOTICE OF INTENTION TO FORECLOSE THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT, THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. The MORTGAGE held by RESOLUTION TRUST CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N,A, (hereinafter we, us or ours), 011 your properly located at 2151 NEWVILLE RD, CARLISLE, PA 17013, IS IN SERIOUS DEFAULT because you have 1I0t made the following payments Regular monthly payments of $492.86 for the months of AUGUST I, 19?7 through today's date (DECEMBER 25, 1997) ,9.75% Interest from July I, 1997 through today's date (DECEMBER 25, 1997) Late Charges from AUGUST I, 1997 through today's date (DECEMBER 25, 1997) $2,464.30 $796.74 TOTAL DUE $113.20 $3,374,24 The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date ofthi~ leiter, is $3,374,24 You may cure this default IVlthln THIRTY (30) DA YS, of the dote of this letter. by paying to us the above amount of $3, 374, 24, plus any additional monthly payments and late charges which may fall due dllring this period YOII must contact the undersigned at 609-784-8220 to detennine what adJitIanal monthly paymellls and late charges are due during this period, Such payment must be made either by cash, cashier's check, certified check or money order, and made at: SPEAR & HOFFMAN, P,A, 1034 LAUREL OAK ROAD, SUITE I VOORHEES, NJ 08043 If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the mongage payments. This means that whatever is owing on the original amount bo[J<l\Udr08~~ffiiIl\.mJf)~s,Wi\'8AJ:WN'6IPFSo9}m8JfWYl:llf~3~ ~~~6ral lRl Nl/PA: 1034 Laurel Oak Road / Sui Ie 1/ Voorhees, New Jersey 08043/ (609) "/84-8220/ Fax (609) 784-8322 o Cf: 237 Hopmeat.low Street / Simsbury, Connecllcul 06089/ (860) 408-6125/ Fax (860) 408-6127 I '"', ti f\ \, ,.- "\, mongage InmOllchly IlIalallmollls, If filII paymerll of Ihe all\nunl of dcfau/l ia 1I011l11lde wJlhin THIRTY (30) DAYS, we OklO i//lend 10 stolt II iaw,fuit to forl'clou YOllr mortgaged property, {(the mortgage is foreclosed, your morlgaged property will be .wld by till' Shl'/'iff to pay oj)' the Mortgage debl, If wc refer your caae 10 our aUol'lleya, bul you cure Ihe defaull bef()rc tllt~y hegin Icgal procecdinga agaillal you, you wlllatlll have to pay che reaaollahlc (,Ullmey's fees, IIclUnlly incurrcd, up 10 $50,00, Howevor, ~f legnl proceedillga arc sturled ugHluSl you, you will have to pay Ihc reasollable uuomcy'a fees even If they are over $50,{)O, Any allomcy's fces will he addcd to whalevcr you owc us, Which may alao iuclude our rcasollable cosls, lfyolI clI/"'II,,' deflll/lt Wilhill Ihe 71/1RTY (30) /JA Y period, )'ou will 1101 be required to pay I/uonll'y'sfl'/!s, We may also sue you pcrsonally for lhe uupaid prillcipal balance 1Il1d all othcr SIlins duc undcr the mortgage, If you have uot cured Ihe d(1faull Wilhlulhe THIRTY (30) DA Y period and foreclosure proceedillgs have begulI, you still have the riglll to cllre IlIe defllllll alld prevelll the sale 01 allY till/e up to one hour before the Sheriff's foreclosure sal,', rOil 11I0)' do so by poyillg Ihe lotal amOll1ll of the ul/paid mOlllhly payments plus al/Y lale or olher cIIOI~~e,f IlIell dlle, as well as the reasol/able aUomey fees alld costs connected with the foreclosure sale {olld perforll/llny other requiremenls ullder Ihe lIIortgage}. II is eslimated Ihat the earliesl dale that such a Sheriff's sale could be held would be approximately 5 months, A notice of the date of the Sheriff sale will be senllO you before tile sale. Of cOUrse, the amoullt needed to cure the defaull will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us 01' our attorneys at (609) 784-8220, This paymenl must be ill cash, cashier's check, cenified check 01' money order alld made payable to us at the address staled above, You should realize that a Sheriff's sale wlJl end your ownership of the mortgaged property and your right to remain in it. If you conlinue 10 live inlhe property after the Sheriff's sale, a lawsuit could be staned to evict you, You have additional rights to help protect your illlereslln the property, YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION 1'0 PAYOFF THIS DEBT. YOU MA Y HAVE THE RIGHT' TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED TrIA T ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQIDREMENTS UNDER THE MORTGAGE ARE SATISFffiD, CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST, YOU HAVE nffi RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF, If you cure the default, the mortgage will be restorcd to Ihe same posilioll as if flO default had occllrred, However, you are nol entitled to this righllO cure your default more lhan three times in, any calendar year. Sincerely, <[7~~ Ric~a~d M, NelsOll, Esquire . () o DATE: R13: RESOLUTION TRUST CORPORA'nON AS RECEIVER FOR THEASSIONOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N.A, Loan No,; F8502731801 Property Address; 2151 NEWVILLE RD CARLISLE, PA 17013 TO: JAMES A, YOUNG AND SHARON K. YOUNG AND THE UNITED STATES OF AMERICA 2151 NEWVILLE RD CARLISLE, PA 17013 AND 615 CHESTNUT STREET, SUITE 1250 PHILADELPHIA, PA 19106 2151 NEWVILLE RD CARLISLE, PA 17013 FROM: Richard M. Nelson, Esquire SPEAR & HOFFMAN, P.A, You may be eligIble for finauc/aJ asslstOllce that will prevent foreclosure on ,'our mortgage If you comply with the provlsiollS of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the "Act"), You may Le eligible for emergency temporary assistance if your default has been callSed by c/rcwustanccs beyond your control, you have a rea.~onable prospect of I'csumlng your mortgage payments, and if you meet other eligibility I'equirements established by the Pennsylvania Housing Finance Agency. Ple.ase read all of tIlls NotIce. It contains an explOllalion of your rights, Under the Act, you are entilled to a temporary stay of foreclosure on your morrgage for 1I1irry (30) days from the dale of this Notice, During thaI time, you must arrange and attend a "face-to-face" meeting with a representative of IIlls lender, or with a designated consumer credit counseling agency. The purpose of this meeling is to attemplto work out a repayment plan, or to otherwise settle your dellnquency. This meeling must occur in IIle next thirry (30) days, If you attend a face-to-face meet.ing with this lender, or with a cOlISumer credit counsellng agency identified in this notice, no further proceeding In mortgage foreclosure may take place for thirty (30) days after the date of this meeling, The name, address and telephone number of our representative is: Richard M, Nelson, Esquire Spear & Hoffman, P,A. 1034 Laurel Oak Road, Suite I Voorhees, NJ 08043 (609)784,8220 The names and addresses of designated consumer credit counseling agencies are shown on the aUached sheet. It Is only necessary to schedule one face-to-face meeling, You should advise Ihis lenderlnunedialely of your intentions, .' ) {"j Your mortg.ge is in defaull because you have failed 10 pay promptly installmeuts of principal and interest, as required, for a period of alleast sixty (60) days. l'he total alllount of the delinquency Is $:2,957.16, That snm Incllldl'.'lthe following: regular monthly paymenls of $492,86 for the months of' AUGUST I, 1997 through todny's date, plus lIIonthly laic chal'lle.q of $ 113,20 f(lr the months of AUGUST 1, 1997 through today's date, Your mortgagc is also in defaull for the following reasous; nla If you have tried and are unable to resolve this problem at or after your face-to-face meellng, you have the righttD apply for financial assistaece from the Homeowners' Emergency Mortgage Assistance Fund. In order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application Wilh one of the designated consumer credit counseling agencies listed on the attachment, An appllcalion for assistance may only be obtained from a consumer credit counseling agency. The consumer credil counseling agency will assist you in filling out your application and will submit YOUI' completed application to the PelUlSylvania Housing Finance Agency, Your application must be filed or poslmarked wltbin thirty (30) days of your face-lo-face meellng, It is extremely impOl1ant that YOl/fiie your applicatio/l promptly, ffyou do /lot do .fO, or lfyolI do /lot foi/ow tile otller time periods set forth i/l this ielter, foreclosure may proceed agai/lst YOllr home immediateiy. Available funds for emergency mortgage assistance are very limited, They will be disbursed by the Agency under the eligibility criteria established by the Act. Il is extremely important that your application is accurale and complete in every respect. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after il receives your application, During that additional time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be nOlified directly by that Agency of its decisioll on your application, The Pennsylvania Housing Finance Agency is located al 2101 North Front Streel, Post Office Box 8029, Harrisburg, Pennsylvania 17105. Telephone No, (717) 78().3800 or 1-800-342-2397 (toll free number). Persons with impaired hearing can call1-8oo-342-2,'W7, In addition you may receive another nOlice from this lender under Act 6 of 1974, That notice is called a "Notice of Intention to Foreclosure", You must read both notices, since they both explain rights that you now have under Pennsylvania law, However, if you choose to exercise your rights described in this notice, you cannot be foreclosed upon while you are rece,iving that assistance, V cry truly yours, ----'Ie (?}{~) /' . I"" RIchard M, Nelson, Esquire Attachment " . " (j c) Your mortgage is in default because you have failed to pay promptly installments of principal and interest, as required, for a period of at least sixty (60) days" The total amount of the delinquency Is $2,957.16. That slmllncludes the following: regular monthly payments of $492,86 for the months of AUGUST I, 1997 through today's date, pills monthly late charges of $ 113,20 for the months of AUGUST 1, 1997 through today's date, Your mortgage is also in dcfault for thc following reasons: nla If YOII have trlcd and arc unable to resolve this problem at or after YOllr face. la-face meetinr., you have the right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Fund. In order to do this, you must 1111 our, sign and file a completed Homeowners' Emergency Assistance Application with one of the designated consumer credit counseling agencies listed on the allachment. An application for assistance may only be obtained from a consumer credit counseling agency, The consumer credit counseling agency will assist you in filling out your application and will submit your compieted application to the Pennsylvania Housing Finance Agency. Your application must be med or postmarked wlthinthlrly (30) days of your face-to.face meeting, It Is extremely Important tllat you file your application promptly. /fyou do not do so, or if you do not follow tile otller time periods set fortll In tills leller, foreclosure may proceed against your home Immediately, Available funds for emergency mortgage assistance are very limited. They wlll be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely important that your application is accurate and compiele in every respect, The Pennsylvania Honsing Finance Agency has sixty (60) days to make a decision afler it receives your application. During thaI additional time, no foreclosure proceedings will be pursued against you if you have metlhe time requirements set forth above, You will be notified directly by that Agency of its decision on your application, The PellUsylvania Housing Finance Agency is located at 210 I North Front Street, Post Office Box 8029, Harrisburg, Pennsylvania 17105. Telephone No, (717) 780-3800 or 1-800-342-2397 (toll free number), Persons with impaired hearing can call 1-800-342.2397. In addition you may receive another notice from this lender under Act 6 of 1974. That notice is called a "Notice of Intention to Foreclosure". You mUSl read both notices, since they both explain rights that you now have under Pennsylvania law, However, If you choose to exercise your rights described in Ihis notice, you cannOI be foreclosed upon while )'011 are receiving lhat assistance. Very trllly yours, c0 --- ,......-) \(IC<::/J(,~.- Richard M, Nelson, Esquire Attaclunent , ......\ \, '; 1''''\ ~. , , . NOTICE REQlJJRED BY THE FAIR DEBT COLL/JCTION I'BACTlCES...ACT. (lhe A{;U_lS U,S,C, SECTION 1601 AS AMENDED 1, This law fil'lumay he deemed a "debt collector" under the Fair Debt Collecllon Practices Act Any aud all int"rlllation obtained during the prosecution of this lawsuit may be used for the purpose of collecting the debl, 2, The amounl oflhc dehl is slated on page 2 of the ACl911ellel'. 3, RESOLUTION TRUST CORPORATION AS RECEIVER FOR T'HB ASSIGNOR, TO BANKERS TRUST' COMPANY OF CALIFORNIA, N,A, is the creditor to whom the debt is owed, 4, The dehl described in the Act 91 leller will be assumed to be valid by the creditol"S law firlll unless the debtor, within thirty (30) days after the receipI of this notice, disputes in writing the validity of the debt or some portion thereof. 5, If Ihe debtor nolifies the creditor's Jaw firm in writing within thirty (30) days of the receipt of this notice that the debt or any portion thereof i,~ disputed, lhe creditor's law firm will obtain a verification of the debt and a copy of the verification will be mailed to tIle debtor by the creditor's law finn, 6, If the named creditor is not lhe original creditor, and if the debtor makes a written request to the creditor's Jaw fiml within the thirty (30) days from the receipt of this notice, the name and address of the original creditor will be mailed to the debtor by lhe, credilor's law firm. 7, Written requests should be addressed to Spear & Hoffman, P,A" 1034 Laurel Oak Road, Suite 1, Voorhees, NJ 08043, ~ ~ ~ .., .. ...~ . O~fltt~t'" I)F rw-- "p~,-?-,... ,1'.1. Of'F'(:~ OF T\lr r.lifRitF I"1Ii.J' fr',' HAY 1I II 02 MI '90 ArR 22 8 03 AH '90 t.I'l '.0 Cll ''0 :t: ~ ' /'1"" :0;0 .:q :-;1 -< "'''''''1 - <, . 1,0 oV> ". c: C) Z"T) :J:: -i"T1 "P. -<R rrl V, - t'r \1 t. i '- '~I. r [ ~j r,: ;1 LYAll I A r' li N r I Ii L "{ A H III . .....:1... .~- Reaolutton Trust Corporation as Receiver for the Assignor, to Bankers Trust Canpany of California, N.A. VS. Sharon K. Young Now, July l'erry - 29. 1998 19__,1 SHERIFF Of' CUMBERLAND COUNT\', I'A do hereby deputize tbe Sherin-of __Couol)' to execute this Writ, tbls deputation being mude at the request and risk of the Plalntll'f. No. 98-2214 ClvU Term 19 -- ----- -- _?'"~~~ SberlrrorCumherlnnd COllnt)', Po, Affidavit of Service Now,~ ~'''J /1 within (;..,.,.,., .... M.,~"). _ 6.,,,1..... upon S~Are...... .It. ~u.tJ,.. _ Of -/L11.. ~ p", 110' ,yr.' No., ".;. ,1:., . , , by handing to SA....^' ,(, 1..NO attested copy orthe original t... ""---L i_ A!..,I._.. , ~ r ~.~ the contents thereor. 1991'" -- ,ot /.'~? o'clock '7> M. sernd the h",,(/"iur(... o true and and mode known to So answers, dI r ?L", )<p,~ SherJrfor 1'(A!l.J Coun!)', P~. COSTS SWorn and suhserlhed heroro mothis 11" dUYOf_~~_19.1.t:.. .;:.. .. -t.....s SERVICE MILEAGE A frIDA \'IT s ........-.,....__.'" <, _, '~'r", ,".' ..._.".,_"....'.._...._....~ j.II.-'j,IYi\\. ::(:,',:. fU"P,U-l A. 0.'\1;(1.\':, t-l.~'~'ri' PoWJc OloomH"Jd k'IC', fll);'I)' (('vn/y, t;A .~~~,~:~1fn!~i j'~\\:'(l r>~.lr ': :__.~~n :'."I~~'". ,~:~i,:~,) s L .... , Spear & Hoffman, P,A, BY: RICHARD M, NELSON, ESQUIRE Attorney I.D, No, 72869 1034 L1urel Oak Road, Suite I Voorhees, New Jersey 08043 (609) 7848220 Attorney for Plaintiff <<;'@to'j;? RESOLUTION TRUST CORPORATION AS RECEIVER POR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N,A, 1400 EAST NEWPORT CENTER DRIVE DEERFIELD BEACH, FL 33442 PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. 7' f- ~.) (1-- (!;4,~L vs, ) " ....,J , , , :' .., .., , , , ) , , . .,.,1 "~' I'i'l . JAMES A, YOUNG AND SHARON K. YOUNG AND THE UNITED STATES OF AMERICA 2151 NEWVILLE RD CARLISLE, PA 17013 AND 615 CHESTNUT STREET, SUITE 1250 PHILADELPHIA, PA 19106 DEFENDANTS COMPLAHIT_:.QYlL ACTION COMPLAINT IN MORTGAGE FORECLOSURE NOTICE You have been sued in coun, If YOll wish 10 defend against the c1ahns set fonh in theJollowing pages, you mllst take action wiOlin twenty (20) days aftcr this complaint and notice are served, by entering a wriUen appearance personally or by atlorney and filing in writing with the coun your defenses or objections 10 the claims set forth against you, '{all are warned that if YOll fail to do so the case may proceed withollt YOll and a judgmcnt may be enlered against YOll by Ihe court withollllurther notice for uny money claimed in the complaint or for any other claim or relief requested by the Plaintiff, You may lose money or property or other rights importam to you, YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP, TAUE OOPV FROM ~ 1ft TIIlltnOnY wtlenlOf, I hefe unto III mv .... .. of!l.'li C " 31 Cartllle~ ~y J II .. ( 1~ CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE PA 17013 (717) 249 3166 "". 4, Ou or about SEPTEMBER II, 1987, Mortgagors made, executed and delivered a Mortgage upon the premises hereiuufter deserlhed to RESOLUTION TIU)S')' CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TIHJST COMPANY OF CAI ,lFORNIA, N,A., which Mortgage is recorded as follows: Office of tIICJk~ of Deeds In and for CUMBERLAND COUNTY DATE OF MORTGAGE: SEPTEMBER 11, 1987 DATE RECORDED: AS RECORDED BOOK: AS RECORDED PAGE: AS RECORDED The Mortgage is a matter of public record aud is incorporated herein as provided by Pa, R,C,P, 1019(g), A true aud correct copy of said Mortgage is attached hereto as Exhihit "A" aud Incorporated herein by refereuee. 5, The UNITED STATES OF AMERICA is made a Defendant herein by virtue of a Federal Tax Lien which it has or may have against the mortgaged premises, Copies of the Federal Tax Liens arc attached as Exhibit "B", 6, On or about SEPTEMBER II, 1987, in consideration of their indebtedness to , RESOLUTION TRUST CORPORA nON AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N,A" JAMES A, YOUNG AND SHARON K. YOUNG AND THE UNITED STATES OF AMERICA made, executed and delivered to RESOLUTION TRUST CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N.A. their promissory Note in favor of RESOLUTION TRUST CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N.A" iUlhe original principal amount of $42,750,00, 2 ,....", , ' , Exhibit "A" " ....,. .,...-.,,'.... I ,~ '" l- f. . ~, . ., . ~ " ~ ~ C' .. " ., " ,; > " ) ~ ~ . ~ '" '" :L ., N . ... . If) :11 N ~ . :j-' :ri K ~ il i ~ '< ., i'1 1 . ~ ~ u 11l.1 -.:,:- Ii , , 'illS MCIltHiM,F. ("!\CcullIy InHltll1\cnl'') h ~he" on , "S,t P.T.f:MB f.JL.ll t,ll..., "...". """,...".."..,,. IQ" ftl. 'I h< .'.Il~"I'" I. ..JMES..A ,.. YOUNr. ,AND, ,s nUOlI,K, ,YOUNC;. "nus UNO' ,&.. 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YOUNC "J \~ .... '...., ~,::'f,f.;{ :.";.~ ;... ,~':.,:1/ C, fr..(.~;?" ".,,,.,, "",,, """" (SUi) SH^ItOH r.. VO\INe .... . -k"'.... Un 'hil, ,he 1.H.b ",.."""" d..' of "S.f.'_TY.ti81,a." ' 1?,,e 1 " ~'o,~ 1T1~, "t h.. ,ubH.r tbo t ",."JI~.~ IU)'.J',\I.~ttc:.. .. "". lhe tlndClligMd (l(fi(tf. I"(HO!)JII) ~r~.Htd J AU':'li "II .,,,VOUH.Q,,,.\N[).,611#.ltOll K."".~,O.IJl\G., ,.'.....,., ....."...,,,.... ,.,.""""",....""...""......".".... "...". k no.... 0 10 "'~,\or talh(.~'oril) tHilj(n),lf) h( Ih< ref~IH\.. ,....ho'~ nalllt.. t!.[>C "ttlblcrlbed lvlh( >J.llhll\ lIItttUlHcnl i\nd .ckno"hdltcI1Ihlll ,"'{$\~.~.,,, ~~cf.llcJ \he Uln,t (01 iht rurpotC'i hr.ltll\ (OnlIHltJ ,)1".)',,:,;;,:~,,'.;.: ,\, 1:/ ~t"2' I ~~?h~)~;~'tltIltUI" 1 ht,~unlo lei my htnd llnd O~lll\'r~l,... ,/} -1:(1 \' '~.. ,Ii j,' I / \,I/'~ ",l.\: '-- \ ,!) () l~nm'Jr ,I: ~lfei IOcr. * IAw'It, HQIUY 'U"IC .(, .. I " " .".., ... .' :t' ~. ,".' t 'f CAUnU .O~, (UWII[i1)..IfD (OUItIl (I " '1..". ':..:,.(\.:.... ,~/ MY CO'UUU10N umu OC/.l.ItU . .~",.". '. ~ '" y" r \ \ l\' ,.... "."."."""."", '~' ~ ~ (,'U~tM(ltl""'("llll Of l'i~tjnl.\''''SlA, ...".".",Q.{~:t"i~~~', ~~,l",. . C/lUlIl) H. {,ii~'~i'cjii'~"l ,., '" .."",,,, .,,,..,,,,..,,,..,,,,,,, I (Wlr)' Ihal lh( prcdH. rll1~t of l>u~ln~1\ or Ih( within I\ltll1tit MoH~U'(( It 'H lll.'inlnl ROld, Oltthu, J'elln\}"lr3ni,' ,qO~j Thi.,lJ ,h, ..........,....' d.y of ..,ura"lS~..'"'' 1'87" 1d ..,..,..,'t :r~j~f~.ol..oi:o';:':~::'l";:"I.. , I ()'l' "i"",';(), lJ(~~J{'( ',.,.,~,' Rtf.f1110tD III IhiJ?!;fl'1' 'Of R(tOIlI;I1~ oe Dwh if'l#)J J..,,, ".,t ,,,j,C,~,, ," ""ss.c... IfJJ'i""'''r~':',~:,"')'In Monl>!' 8'0' "....:::'>"~.7 !lP;;':..,,,.\'..,.. r'l' ..hl..),.. ' . ',,: "'\' . ~\~,\~, O.IC, ...,....'" ..."",.'""......... ""f.(.t:"...J",I... Rccu,du ,,,,,,,,, . '.'" ....., '~""'~,', \~, 1, " (:/ '1'; !.J....'.,(, I, ,'. ",...:,'1",,',., ,,', ','''y,.. '. ,'~/ ,':.-,;<,;..'J/ ./.;.I....'I'",:;(r' ,.7:":;.',--.:, ' ~QO! bill t~C( 1:\1, .. , . . , -,...~ .'-~",... ,.,.. --....~,'-_......_,- ..... ,". .__,,' '.4'.""'" ....- UjA..aJ dUll nul. 'nan,I!A. .__.._-..._.T_4_,...~_....___. "---"~'~~h~___._ OA TE:J'7/'?I?!P1 i':':"') ;' Irl'ill~' C. Slhillf (1912-19'16) VIA CERTIFIED MAIL RETURN JlliClll1~I REOU1lSJJill JAMES A, YOUNG 2151 NEWVILLE RD, CARLISLE, PA 17013 RE: RESOLUTION TRUST CORPORATION AS RECEIVER POR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N,A, Loan No, 1'8502731801 Property: 2151 NEWVILLE RD, CARLISLE, PA 17013 ACT 6 NOTICE NOTICE OF INTENTION TO FORECLOSE THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATI'EMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. The MORTGAGE held by RESOLUTION TRUST CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N.A, (hereinafter we, us or ours), on your property located at 2151 NEWVILLE RD, CARLISLE, PA 17013, IS IN SERIOUS DEFAULT because you have not made the following payments Regular monthly payments of $492,86 for the months of AUGUST 1, 19?7 through today's date (DECEMBER 25, 1997) 9.75% Interest from July 1, 1997 throngh today's date (DECEMBER 25,1997) Late Charges from AUGUST 1,1997 through today's date (DECI~MBER 25, 1997) $2,464.30 ~796. 74 $J13,20 OY'O.............. ........_ Z 452 779 428 US Posl.1 Service Receipt for Certified Mall No Insurance Coverage Provided. 00 not use lor Inlernallonal Mall See f6VfJ(SO I $3,374,24 cure this default, or in other words, get caught up in your payments, 374,24 z,p . Wllhlll THIRTY (30) DA YS, of the dale of this leiter, by paying to us Jus allY addlllonal monthly paymenls alld lale charges which may faU :olllatllhe undersigned at 609.784.8220 10 delmn/ne what lale charges are due during Ihls period, Such payment must be ,ck, certitied check or money order, and made at: Pottage CtItJfIedF" SPEAR & HOFFMAN, P,A, )34 LAUREL OAK ROAD, SUITE I VOORHEES, NJ 08043 $pedal Ool..f}' Fee Aft8liicted OeHvery Fee It) 81 Relum A"oI~ Showing 10 ... Whom' O.le Oe~vered 'I: lIll...fIo:t\Ilsm.",~\\!gn, I :t Oaie 'Mk"H', ~dd/," ' 8' TOIAL POS1.ge &F".' $ , fJi POSlmllk or Oalo l ) ~ T OlU1] ~ ~JN. p ~ O'-l7 ,ult Witllill THIRTY (30) DAYS, we Intend to exercise our rlghl/o ccIllitRlll@~Pio\1IdlY93~y,e! (!lb~}'i!Yl.ffi~~lfflB318~ ' II Voorhees, New Jersey 080431 (609) 784.8220 I FlU( (609) 784-8322 ,11Sbury, Conneclic~l 060891 (860) 408.6/251 fill!( (860) 408-6127 ."' ~ "''''''\ .,," f" ',.' borrowed wl/J he considered due Inlllledillwly IIlId )'ollll1ay Jose tl", "halll'l' 10 fll'y of( the ,)rlgillal morlgulle ill nlOnthly inBtalhnenls. If full fluynwnt of Ihe ,1111011111 of default Is nnl mad,' whhin THfI{TY (30) DA YS, 11'(' also illtel/d /0 slart a law,willo ji)f'('('loJ~ YOllr/llortl!all(!d p/'Openy. (f II". I/w/'/lIol!l' is foreclo.lt'd, your ",or/gaged properlY will be' .\'Old by Ih~ SIi,'ratlO pay {lfIlhl' Mortgol:e d(!/J(, If we refer your case to our altol'l1eys, but YOll cure the defallll hefOle they begin legal proceedings lI/lalnSI YOll, YOII wlll sllll have to pay the reasonable allomey's fees, aClually im:urred, up to $50,00. Ilowever, if legal proceedings arc slurled agalllsl YOII, )'011 will have to pay the reasollable altomey's fees e\":1I if they ,Ire over $50.()O, Any altOl'lley's fees will h,' added to whalever YOll owe us, whieh Illay IIlso include ollr reasonable costs. If you cure Ihl' d~fallll ",ilhil/llle TIIlRTY (30) /JAY period, you will 1/01 be' required to pay (1l/omey's fees. We may also slle YOll personally for the unpaid principal balance and all other slims due under the mortgage. If you have not cured the default WiUlill the 'HURTY (30) DAY period and foreclosure proceedings have begun, you sllllllave IlIe rigilt 10 cure Ihe defaull al/d prevell/llle sale 01 01/,1' lime up 10 Ol/e 110111' before Ihe SlIerijJ's foreclosure sale. YOII/llay do so by payil/g IlIe loral amoullt of Ihe III/paid mOl/thly paymell/s plus 011,1' loll' or OIlier cllarges Ihell dill'. as well as Ihe reasollable al/omey fees alld costs cOlll/ecled willi Ihe foreclosure sale [alld pel/orlll allY olher requiremel/ls ul/der Ihe mongage]. II is estimated that the earliest dale Ulat such a Sheriff's sale could be held would be approximately 5 months, A notice of Ule date of Ule Sheriff sale will be sent to you before the sale. Of course, ule amount needed to cure the default will Increase the longer you wait. You may find out al any time exactly whatUle required payment will be by calling us or 0111' attorneys at (609) 784-8220. This paymenl must be in cash, cashier's check, certified check or money order and made payable to us al the address staled above. You shollld realize that a Shel'lff's sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the propelly after the Sheriff's sale, a lawsuit could be stalled to evict you. You have additional rights to help protect your interesl in the properly. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF Tim MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LEl'\'DING INSTITUTION TO PAY OFF TIDS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME TIlE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT TIm OTHER REQUIREMENTS UNDER THE MORTGAGIt ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES TIDS RIGHT MIGHT EXIST. YOU HAVE TIlE RIGHT TO HAVE TIDS DEFAULT CURED BY ANY TIflRD PARTY ACTING ON YOUR BEHALF. If ,1'011 cure Ihe default, Ihe //Iortgage will be reslored to the same position as if I/O defaull had occurred, However, YOII are not entitled to this righl to cure your default more than thl'ee times in any calendar year. Sincerely, -7~~~~~ -'" I) J~~~t.l~~lD.QJtQ;l;"J~](!~hH_6: /)ATE:_il/~J. t''''\ (. .\.. IfI'llle C, S'lel" (1922.19./6) VIA CE/f/'lPWfl MAIL Jlli:r..l!Jlli.J~fJC;IiLJ!l'1{liQUJiS:ruI2 SHARON K, YOUNG 2151 NEWVILLE RD CARLISLE,I'A 17013 RE: IUiSOLUTlON TRUST CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N.A. Loan No. F8502731801 Properly: 2151 NEWVILLE RD, CARLISLE, PA 17013 ACT 6 NOTICE NOTICE OF INTENTION TO FORECLOSE THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. The MORTGAGE held by RESOLUTION TRUST CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N,A. (hereinafter we, us or ours), on your properly located at2151 NEWVILLE RD, CARLISLE, PA 17013, IS IN SERIOUS DEFAULT because you have not made the following payments Rcgular monthly paymen~s of $492,86 for thc months of AUGUST 1, 1997 through today's datc (DECEMBER 25, 1997) 9.75% Intcrest from July 1,1997 through today's datc (DECEMBER 25,1997) Latc Charges from AUGUST 1, 1997 through today's datc (DECEMBER 25, 1997) $2,464.30 $796.74 $113.20 , TOTAL DUE $3,374.24 Z 452 779 429 cure this default, or in other words, get caught up in your payments, 174.24 us Postal Service Receipt for Certified Mall No Insurance Coverege Provided. Do nol use lor InlemaUonal Mall (5'0 ,ovorso) . - ~ o Dn L'iCtV\ ( ...Number (. wllhin THIRTY (30) DA YS, of IIII' dale of Ihls leiter, by payIng 10 us Ius 011,1' addilional monlhly paymellls al/d loll' charges which may fall 'olllacllhe uI/dersiglled at 609-784-8220 10 delermille what lale charges are due during lhis period. Such payment must be ck, certified check or money order, and made at: 0S1 11<0, S,.Io, &ZIP Cod. Postage $ ..3? I-oS SPEAR & HOFFMAN, 1'.1\. 134 LAUREL OAK ROAD, SUITE I VOORHEES, NJ 08043 CtI1ifled Fee SjlodaJ Oellvery Fe. Restrlded DtUVl!lry fee , a fletum Recelpl Showing 10 i-Whom' Oall Delivered ~ -Ao:t\JI~,,-, I 0 C' Dlle a MttsSM"Addt ." , ' ~ TOTAL P....go &F... $,;). 7 7 ~ Postma or Dale t.J i 10l.-ln"Cj ;1\11,) () ~,I ull within THIRTY (30) DA YS, we illlel/d 10 exercise our righllo :oTdli&Id\f~bAIlAV~I~~ef(~'b~~~m~{l~&J Cllll~ II Voorh~s, New Jersey 080431 (609) 784.82201 Fax (609) 784.8322 lsbury, Conneellcul 06089/ (860) 408.6/251 Fax (860) 408.6/27 - " ....." \, . "~ "Of) hOl'l'owed will /.... <'O/I.,I<""ed dill' jfllflledlirtdy lilli' )'011 11I11.1' los,' rlw chalice 10 pill' off tile ol'llljnlll mOll/JlI/l" Inlllllnlhly illSlllIluWllls, If lillI p"YUltlnl of the IInlolllrt of dcfllullls /In! flIllll" within THIRTY (30) /lA YS, 1<',' ol,\'(J il/ll'l/d 10 ,\'Ialt 01011'.\'111110 jill't'do.I'(' )'ourll/O/'l!io!/,'d 1'/'O/'I'It)', /flll<' 1II01t1!ag<, i.I' jim'do.I'f'd, YOllrll/oltgo!i('d pm/"'lty 11'1" h(' .\'{ild by III" .I'll<'rij/lo pay 0.//111(' Molt/lOll" debl. If we rdor YOllr cllse to 011/' ,rtlol'/1")'s, hilI )'OIlI'U/'C III" default he fore Ihey hell/nl"IlIII plllceedlulls aglllrmt .1'011, YOll will slill lUll'" to pill' tile n:llsoulIl,l" allol'llcy'S fecs, aClually IlIcuJ'l'ed, "1'10 $50,00, II0wel'''', If legal plllceedin!ls III'<' slalled IIllaln:JI YOII, YOII willllave to pay III" ....,Isollllh/e llllorney's Ii'es evell If Ille)' Ill" Ol'el $50.00, AllY allnl/ley's fc,:s will he add"d 10 Whal"I'<'1 YOII owe us, which lIIay also IlIdudc OUI r",ISOIllIhle ('OMs. If )'011 (.'/II'<' Ihe defollll IPllMn IIII' 1U1N7'!" (.70) 1M I' period, )'011 Il'illl/OI be mqlllred 10 pay onol'lll~I".l'fe,'S, We may IIlso slIe you persollillly for rhe uupaid prinCipal balance and all other sums due under the morrgage. If YOll have nol cured the defllulr with ill the THIRTY (30) DA Y period and foreclosure pmceedl/lgs hal'e begun, you slill hope IIII' righllo cure IIII' defaull and prevellllhe sole 01 011,1' lilliI' "l' 10011" 110111' before IlIe SlIeriffs foreclosllre sale. You II/ay do .f() by payillg IlIe 10101 all/OUIII ofllle III/paid mOlll/lly pa)'lI/ellls plus allY lale or olher charges 1111'11 dill', as well as IlIe reasollable al/orney fees alld costs COlIl/ecled willi IlIe jiJredOsllre sale [al/d peifo171/ allY OIlier reqlliremellls III/del' IIII' 1II0rtgage]. /I is estimated Ullllthe earlieSl date tJlal such a Sheriff's sale could be held Would be approximately 5 monlhs. A nolice of Ihe dale of ule Sheriff sale will be sent to you before the sale. Of course, Ihe allJount needed 10 cure lhe defaull will increase the longer you wail. Y oumay find out al any tJllle exactly whalthe required paymenl will be by en/illig us or our attol'lleys at (609) 784-8220, This paymenr must be In cash, cashier's check, certified check or money order and made payable to us at the address Slated abol'e, You should realJze that a Sheriff's sale will end your ownership of ule mortgaged property and your right to remain in it. If you eonllnue to IJve in Ule property after the Sheriff's sale, a lawsuit could be starled to CI'Jct you. You have addilional rig hIs 10 help prolect your inlerest in the property. YOU HAVE THE RIGHT 1'0 SELL THE PROl'ERTY TO OBTAIN MONEY TO PA Y OFF THE MORTGAGE DEBT. OR TO BORROW MONEY FROM ANOTHER LENDING lNSTITUJ'ION TO PA l' OFF TIllS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO Wll.L ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND A nORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT TIm SALE, AND THAT nrn OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATlSFffiD. CONTACT US TO DETERMINE lINDER WHAT CIRCUMSTANCES TIllS RIGHT MIGJIT EXIST. YOU HAVE THE.R1GHTTO HAVE TffiS DEFAULT CURED BY ANY THlIID PARTY ACTING ON YOUR BEHAlF, If ,1'011 cure IIII' defaull, IIII' mO/1[;age will be reslored 10 IIII' same posilioJ/ as if J/O d<{fault had occllrred. However, ydu are not entitled to this right to cure your default more thanlhrce times in any calendar year. .. -~ "<III' UIJICCS Spear and liefitnan l~A. ___"~_._'4_.....______.... I, __;~.._.___. , DATE; f~L2:1f'-? ',,'II1l' C. S'1C/lr Cl9n. II/1M ~_,..A " J....} , . " YlA.l:lliillJ LA R MAIL SHARON K. YOUNG 2151 NEWVILLE RD CARLISLE, PA 17013 RE; RESOLUTION TRUST CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N.A. Loall No. F8502731801 Property; 2151 NEWVILLE RD, CARLISLE, PA 17013 ACT 6 NOTICE NOTICE OF INTENTION TO FORECLOSE THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED POR THAT PURPOSE. The MORTGAGE held by RESOLUTION TRUST CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N.A. (hereinafter we, liS or ours), on your properly located at 2151 NEWVILLE RD, CARLISLE, PA 17013, IS IN SERIOUS DEFAULT because you have not made the following payments Regular monthly payments of $492.86 for the months of AUGUST 1, 19~7 through today's date (DECEMBER 25, 1997) 9.75% Interest from July 1, 1997 through today's date (DECEMBER 25,1997) Late Charges from AUGUST 1, 1997 through today's date . (DECEMBER 25, 1997) TOTAL DUE $2,464.30 $796.74 $113.20 $3,374.24 The total amount now required to cure this default, or in other words, get caughl up in your payments, as of dIe date of this letter, is $3,374.24 You may cure Ihis d~faull wilh/n THIRTY (30) VA YS, of Ihe dale oflhis leiter, by paying 10 us Ihe above amOll1ll of $3,374.24, plus OJIY additional monthly paymellls and late charges which may fall due during Ihis period Yaumust conlacl the undenlgned aI609.784.8220 10 delennine whaJ add/donal momMy paymenls and late charges are dill' dud"g Ibis period, Such payment must be made either by cash, cashier's check, certified check or money order, and made at: SPEAR & HOFFMAN, P.A. 1034 LAUREL OAK ROAD SUITE 1 VOORHm~S, NJ 08043 If you do not cure the default within THIRTY (30) DAYS, we in/end 10 exercise our righl 1'0 actijilJmtQC1htlUmtfl1M/8ftWM911 cJ'MItJIllJI~91d':r~~W!fT t.fuS)YJ9Hi9tpM{i~BJI gm?9~lh QO NJfPA: 1034 Laurel Oak Road I Suite II Voorhees, New Jersey 080431 (609) 784-8220 I Fax (609) 784.8322 OCT: 237 Hopmeadow Streell Shnsbury, Connectlcut 060891 (860) 408-61251 Fa~ (860) 408-6127 > , ) \ \j <<' 'fl o ';? ..-:'~ ~~ :;::~ ~~ ~~ '" ~. o ';? 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(') t?-~~o."!-'~~~ ~~...,;;~&3o;:.o~ ~~L.% "''J'=o~~ :.::(:o(:o~~o~~(""l o::::O'~o~o'=-.o;:...*(:o --"' ~ ~ i'? _..-:0 ~ -::..04~'-::--::-~0 "(;.~...,;;"",,,,,~c.....~ A ;;.-:;L ,,;. "6 "2':~ ~ ~ ":l~ -:.:~e'?: "O~.~;j.. ~~~..... ~_a.~O .,:.;L. .....~~;;.. ~;.;.. "'-"'1 ~ ~ ~ ",. Q .::::::..~ ~ ..L.....L~II"!~'J'=o O~ ~ 00 (""..~-:::...~- ~~;;;.if!~-:---;'~~ 9- 0 ~~O~'~- ~ ~ "J. ..... -' ~ %'<.;",,:, "::j ~ :;;; 'n ~ -:- 0, ~ 4 ~ n -z;;.J> -........~ ~ -~ ~. "P ~~ .; ,... ,-,,'0 ~..o::?~ -0'" .... .?z,'P ~ ~ /.. ':! ~~.. ~ r:l -;...~!} ~. ,.......-~ o~.- ., "..,,- ?" ~ .;. .J.. .., 'l '.:') ,.o~ :Il~?!O ~i:P.'$, \ \p~'A'/- ~ .0 o""'i, ~C),~;;poo::. ."" ,,'A""<&"" ~ .';:>, or>' 0 ~ " o 0"" ~ ~ 'it ~ ~'7" S. ~ ~."" ~ ~ '!>~ ~~'6 i'.;, ~;t ~~ ~~. ),~o~~~~~~~ ~'1' I 070~'a> '1'~ ~ ;L 1 "7" ~ ~ ~'O ~ ~J' ,p 04 it> .;. ;L ~ ~ ~ ~.-~ ~ -a i~ ~~;. ~'A :%~~~"7~~09, ~~ ?!~~~~~~7~~~ . -:. '1' '1. -C "7...... ~ ~ 0 '7.t.., ~~ n'" '1' "" ~ 'to ~",. ~~%O7: 0 '$-..~~ ",,7 ~~~~~o~ ~." ~<P "",.;,'<t'1'~'J, ~~~~'$-...,:.'<t~~~ .0 ~ .;. or.:? 'C> '7. 0 '1... "" ..., ~ ~~"-..o 0 ~..p"" ~ 0 ':& ~ ~'!> 7:~~~~..o~ C <P. ~ ~ <P. ~ 0 '7,.l.~ ~'AO..o'A~ ~ 0 ;..> ~~~w--<!>'!},,<P.~~ n~n O'O~ ~'@~~. ~ 7: ;;p~~'1' ~,.;,,.l. ;::) "'"" ~ "" 0 0 ~ ~~ ~ ~~ o..o~~'O"~ ;I. ~ ~ 0 "7:\'?- ..0 ~ '?-o~ ~"1>..p ":('~ ..-,,,,,L.. ~ ~ <p '7 0 O'';>,-<!> ~"7""~~.o ,,";' '$, "" ",,'" \Jl ~ ..0 ". ~. ~'A ~'$-..~~~'7,.l.'7,,~ ~~~'C>I ~,l. O~ ~~~"i. ~ ~. V> "'" <> ~ ~ . ~ Oi - o ~~ ~ ?- o - JoO g._ S;- "" ~ ~ ../' " S-.., .i.d\\ \Jj/ln~,<; ~ pc;.~!r(ll](LI:l(, 'tii~}(~D,BA.~ '/)ATli:~C~{f(i('.'( ~~ .....f ) ',,'llIe C, S'I~'.1r ('9:t:!.'976) YL1..RUOLlLAltMAlJ.. JAMHS A. YOUNG 2151 NEWVILLE RD CARLISLE, PA 1'10/3 RE: RESOLUTION TRUST CORPORATION AS RECEIVER FOI~ THE ASSIGNOR, TO BANKERS TRlIST COMPANY OF CALIFORNIA, N.A, Loan No. F850273l801 Propelly; 2151 NEWVILLE RD, CARLISLE, PA 17013 ACT 6 NOTICE NOTICE OF INTENTION TO FORECLOSE THIS FIRM IS A DEBT COLLECl'OR A'ITEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN A'ITEMPT TO COLLECT THE INDEBTEDNESS REFERRED To HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. The MORTGAGE held by RESOLUTION TRUST CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N.A. (hereinafter we, us or ours), on your pl'Opelly located af 2151 NEWVILLE RD, CARLISLE, PA 17013, IS IN SERIOUS DEFAULT becallse you have not made the following payments Regulal' monthly payments of $492.86 for the Inonths of AUGUST 1, 19?7 through today's date (DECEMBER 25, 1997) 9.75% Interest f~om JulJ' I, 1997 through today's date (DECEMBER 25, 1997) Late CllIlrges froDl AUGUST 1, 1997 through today's date (DECEMBER 25, 1997) $2,464.30 $796.74 $113.20 TOTAL DUE TIle total amount now required to cure this default, or in oUler words, get caught up in your payments, as of the date of thi.s letter, is $3,374.24 You may cure Ihis default willlln TH/RTY (30) DAYS, oflhe dale oflhis lel/er, by paying 10 us Ihe above amounl of $3,374.24. pIllS any additional monthly payments and late charges which may fall due during Ihis period You musl conlacl the undersigned 01609-784-8220 10 delennille whol addiiJona/ mOlllll/y paymellls alld lale charges are due durillg t!lis period. Such payment musI be made either by cash, cashier's check, cell/fied check or money order, and made at: $3,374.24 SPEAR & HOFFMAN, P.A. 1034 LAUREL OAK ROAD, SUITE I VOORHEES, NJ 08043 . If you do nOI clIre the defaull willlin THIRTY (30) DA YS, we illlend 10 exercise our rigllt 10 accelerale Ihe mortgage pa)'lIIellls. This meallS that whatever is owing on Ule original amount b<CQ\f~d700l!duup~ffiifi\~1If ~~s,IlJlf6,r8J1jJ1N'6IP('jb~lfi8~_~ Y1:ll1~3\3~ ~W~6y.a1 I!fI NJIPA: 1034 Laurel Oak Road / Suire 1/ Voorhees, New Jersey 08043/ (609) 784-8220/ Fax (609) 784-8322 OCT; 237 HOPllIcadow SUeer / Simsbury, Connecticul 06089/(860) 408-6/25/ Fax (860) 408-61'1 I , "/("\ " '. 1II0l'lgllge lnlllonlhly lnsllllllllellls. If full pllYIII~nl of the alllollnl of defaullls not IIIllde wilhln THIRTY (30) DA YS, we al.l'o ill!<'l/d 10 j'lm'/ a lawsuit 10 foree/o.le your /l/Of'/gaged property. 1f111C mo/'lgagill.1 fo/'t'closed, YOUI' /l/orlgagt!d prop/'l"ly will be .\'Old by the 51,<'rij(lo pay oJlthe MO/'lg(JI!<~ debt. If we rder your case to our allorneys, hUI you eme lhe defallll before they hegln legal pro(,eedlngs al)llinst YOll, you will stili have to pay the reasonable allol'lley's fees, actllaJly Incurwd, up to $50.00. However, if legal proceedings arc slllrled against you, you will have to pay the reasollllble nllorney's fees even if they arc 01"'1' $50.00, Any allorney's fees will be added to whatever you owe us, which Iuay also Include our reasollable eosls, ~lyou cure Ihe defaull wilhll/lhe THIRTY (30) DAY period, you will 1101 be required 10 po)' allomeY'.I'ft'es. W" may also sue you personally for the unpuld principal balance and all other sums due under the mortgnge. If you have not cured the defaull wilhinlhe THIRTY (30) DAY period and foreclosure proceedings hal'e begun, you still have the righl 10 cure the defaull alld prel'ellllhe sale at any time up 10 0111' hour before Ihe Sheriff's foreclosure sale, You may do so by payil/g Ihe lotal amOU1/1 oflhe ul/paid mOil/illy paymell/S plus 011,1' lale or other charges thell due, as well as Ihe reasollable al/omey fees and coslS connected wilh Ihe foreclosure sale lal/d perform allY other require/llenls III/del' Ihe mO/'lgagej. It is eSlimnted thaI Ule earliest date Ulal such a Sheriff's sale could be held would be approximately 5 monUls. A nOlice of the dale of the Sheriff sale will be sel1l to you before the sale. Of course, the amount needed to cure the dcfault 11'11I increase the longer you wait. You may find out at any time exactly what the required payment 11'11I be by calling us or our attorneys at (609) 784-8220. This payment must be in cash, cashier's check, cerllfied check or money order and made payable to us al Ihe address stated above. You should realize Ulat a Sheriff's sale 11'11I end your ownership of the mortgaged property and your right to remain in it. If you continue to Iil'e in the propel1Y after the Sheriff's sale, a laIVsuit could be started to evict you. You have additional rights to help protect YOUI' interest In the propel1y. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF TIll MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTIU:R LENDING INSTITUTION TO PAYOFF TIllS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER Till PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRAJ'ISFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED TIlAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATfORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST, YOU HAVE Till RIGHT TO HAVE THIS DEF AUL 'I' CURED BY ANY TlURD PARTY ACTING ON YOUR BEHALF. If you cure Ihe defaull, Ihe mortgage will be restored 10 Ihe same positioll as if no default had occurred. However, you are not enlitled 10 lhis right to cure your default more than three times in any calendar year. Sincerely, <17~~~ Richa~d M. Nelson, Esquire . Sl~e\a~~I~ll;dHc'~Tlan,l?A. . n.____.____..__..,._......_._._.._~ .--.-~--'--- '"(""1 1 ,\' 1",1.. C. Spear (1922.1916) ACT 91 NOnCE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. THE COMMONWEALTH OF PENNSYLVANIA'S HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM MAYBE ABLE TO HELP YOU. READ THE FOLLOWING NOTICE TO FIND OUT HOW THE PROGRAM WORKS, IF YOU NEED MORE INFORMATION, CALL THE PENNSYLVANIA HOUSING FINANCE AGENCY AT 1 (800)342-2397. LA NOTIF/CACION EN ADJUNTO ES DE SUMA IMPORTANCIA. PUES AFECTA SU DERECHO A CONTlNUAR VIVIEN DO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTlFICACION OBTENGA UNA TRADUCCION IMMEDlATAMENTE LLAMANDA ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAM A LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" ELCUAL PUEDESALVAR SU CASA DE LA PERDIDA DELDERECHO A REDIMIR SU H1POTECA. ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ THIS NOTICE. YOU MAYBE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PA YMENTS o FL: 708 Souih Dixie Highway 1 Coral Gables, Florida 331461 (305) 666-22991 Fax (305) 666.9503 IKl NJn'A: 1034 Lllurel Oak Road 1 Suile II Voorhees, New Jel~ey 080431 (609) 784-8220 {Fax (609) 784-8322 OCT: 237 Hopmeadow Streell Slrnsbury, Connecticut 060891 (860) 408-61251 Fax (860) 408.6127 ..' ,._., ___0" ..u......,..~.___HP.__~.___..._.._....~__.........~_ .' ~""':("'~ Your morlg;.ge is in default because y<llI !Ial'e failed to pay promrlly installments of principal and interesl, as required, for a period of alleasl sixty (60) dllYs. The total amollnt of the dellnqllcnel' Is $2,957.16. Thllt sUllIlncludcs thc following: I'cgll"'" Ulonthly pllYUlcnts of $492,86 for tl\(~ month.~ of AUGUST 1, 1997 thl'Ough todllY'S datc, pillS Ulonthl.v 111ft' chllrg"'~ of $ 113,20 fOl' thc lIIontlL~ of AUGUST 1, 1997 through todllY's dlltc, Your If'Iol1gage Is also in def;1ull for the following n,asons: nil! If yon hal'e tried and are unable 10 resolve this problem at or after your face-to-face meelin!1, you have the righlto apply for financial assislance from the Homeowners' Emergency MOrlgage Assistance Fund, III order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application with one of the designated consumer credit counseling agencies listed on the attachment. An application for assistance may only be obtained from a consumer credit coulISeling agency, The consumer credil counseling agency will assist you in filling out your application and will submit your completed application 10 the Pennsylvania Housing Finance Agency. Your applicatlonmust be riled or postmarked wlthlnthlrly (30) days of your face"lo-face meeling. II is exlremely importallllhat YOI/ file your applicalio/l prompl/y. If ,1'0/1 do /101 do so, or If YO/l do nOI folloli' Ihe oilier time periods selforlh in Ihis leiter, foreclosure may proceed agaillsl )'our home immediately. Available funds for emergency morlgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria esc.blished by the Act. It is extremely importantll'al your application Is accurale and complete in every respect. The Pennsylvania HOllsitlg Finance Agency has sixty (60) days to make a decision after il receives your application. During tllllt additional lime, no foreclosure proceedings will be pursued against you if you have met the time requiremenls sel forlh above. You will be nolified direclly by thaI Agency of its decision on your applicallon. The Pennsylvania Housing Finance Agency is IOl'alcd al 2101 Norlh Fronl Slreel, POSI Office Box 8029, Harrisburg, Pennsyll'anill 17105, Telephone No. (717) 780.3800 or 1.800-342-2397 (loll free number). Persons wilh Impaired hearing can call 1-800.342-2397. In addition you may receil'e another nolice fromlhis lender under Acl 6 of 1974, That nOliee is called a "Notice oflnlenllon to Foreclosure". You must read bOlh nOlices, since they both explain righl.~ that YOII now have under Pennsylvania law. Howel'er, if YOll choose to exercise your righls described inlhis nOlice, yon cannol be foreclosed upon while you are receil'lng thaI assislance. Very (ruly yours, , .....-----::' ---rll (.CO(L.~ '[,c' .' RiChard M. Nelson, Esquire Attachment " . ....... . 1 ..-,{-'\;. :', I DATil: ;2' \0 .<11> RE: RESOLlJTION TRUST CORPORATION AS RECEIVER POR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N,A. Loan No,: 1'8502731801 Properly Address: 2151 NEWVILLE RD CARLISLE, I'A 17013 TO: JAMES A. YOUNG AND SHARON K. YOUNG AND THE UNITED STATES OF AMERICA 2151 NEWVILLE RD CARLISLE, PA 17013 AND 615 CHESTNUT STREET, SUITE 1250 PHILADELPHIA, PA 19106 2151 NEWVILLE RD CARLISLE, PA 17013 FROM: Richard M. Nelson, Esquire SPEAR & HOFFMAN, P.A. You may bc cligiblc for financial assistancc that \\111 prcvcnt forccloslll'c on your mortgagc if you comply with tbc provisiOlL~ of thc Homcowncrs' Emcrgcncy Mortgagc Assl~tancc Act of 1983 (thc "Act"). You may bc eligiblc for cmcrgency tcmporary assistancc If your dcfault bas been causcd by circumstances bcyond your control, you hal'c a reasonablc prospcct of rC>..'lumlng your mortgagc paymcnts, and if you mcct other cUgibUlty requircments cstablishcd by thc Pcnnsylvania IIolL~lng Finance Agcney. Pleasc read all of this Noticc. It contains an cxplanatlon of your rights. Under the Act, you arc enlilled 10 a lemporalY stay of foreclosure on your mongage for thiny (30) days from the date of this Notice. During (hat time, you must arrangc and attend a "face-to-face" meeting willi a representative of this lender, or with a designated consumer credil counseling agency. The purpose of Ulis meeting is tn attempl 10 work out a repayment plan, or to oUlerwise settle your delinquency. This meeting must occur in the nexl thirty (30) days. If you attend a face-tn-facc meeting wiulthls lender, 01' wiul a consumer credit counseling agency identified in ulis notice, no funher proceeding in mongage foreclosure may take place for thirty (30) days afler the date of Ulis meeting. The name, address and telephone number of our representative is: Richard M. Nelson, Esquire Spear & Hoffman, P.A. 1034 Laurel Oak Road, Suile 1 Voorhees, NJ 08043 (609)784.8220 The names and addresses of designated consumer credit counseling agencies are shown on the attached sheet. It is only necessary to schedule one face-to-face meeting, You should advise this lender Immedialely of your Inlenlions. " ,- ....., I J.-.... :') Your lIlortgage is in default because you have failed to pay promplly installments of principal and interesl, as required, for a period of al least sixty (60) days. The total alllonnt of the delinquency Is $2,957,16, That snm includes the following: I'ogn/al' mOllthl)' payments of $492.86 for the months of AUGUST I, 1997 through today's date, pillS 1Il01lthl)' late char'ges of $ 113,20 for the months of AUGUST I, 1997 through today's date. YOllf' mortgage is also in default for the following reasons: II/a If )'Oll have lrled and are unable to resolve this problem al or after your face-to-face meeting, you have, Ihe right to apply fill' financial assistance from the Homeowners' Emergency Mortgage Assislancc Fund. In order to do this, you must fill OUI, sign and file a completed Homeowners' Emergency Asslslance Application with one of the designated consumer credit counseling agencies listed on the allaclunent. An application for assistance may only be obtained from a consumer crcdll counseling agency. The consumer credil counseling agency will assist you in filling out your application and will submit your completed application to the Pcnnsyl{ania Housing Finance Agency, YOUI' applicationlllllst be filed or postmarked within thirly (30) days of your face-to-face meeting. It is eXlremely importon/lllaI you file your application promplly, l/you do not do so, or if you do naIf 011011' IIII' OIlier lime periods sel forth iflllli.r leiter, foreclosure may proceed ogainsl your home iII/mediately. Al'ailable funds for emergency mortgage assislance are \'elY limited. They will be disbursed by the Agency under the eliglbilily criteria established by the Acl. Ills eXlremely important that your application is aCClll'alC and complete in every respect. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. DlIring that additional time, no foreclosure proceedings will be pursued against you if you hal'e met the time reqlllremenL~ sel forth above. You will be nOlified directly by Ulal Agency of its decision on your application. The Pennsyll'ania Housing Finance Agency is localed ar 210 I Norlh Fronl Street, Post Office Box 8029, Harrishurg, Pennsylvania 17105. Telephone No, (717) 780-3800 or 1-800-342-2397 (t.oll free number), Persons wilh impaired hearing can call 1-800.342-2397. In addilion you may receive another notice fromlhls lender under Act 6 of 1974. That notice Is called a "Notice of Intention to Foreclosure". You musI read hOlh notices, since they both explain rlghls thai )'ollno\\' have under Pennsylvania law. However, if )'ou choose to exercise your rights described in this nOlice, you cannot be foreclosed upon while YOll arc receiving that assistance. Very truly yours, c:-/ ,....-;;-) ______ ) I(.,Q:.. ,J(,<E:.:-~/ Richard M. Nelson, Esquire Atlachmelll " , NOTICE REQUIRED BY THE FAIR DEBT COLLECTION ffiACIlCES ACT.~ lJ.S.C, SECTION 1601 AS AMENDED I, This law firm may bc dcemed a "dcbt collector" under thc Fail' Dobt Collectioit Practices Act. Any and all information obtained during the pl'OBecution of this lawsuit may be used for the purpose of collecting the debt. 2, The amount of the debt is stated in paragraph 9 of the Complaint. 3. The Plaintiff as named in the Complaint is the creditor to whom the debt is owed, 01' is servicing agent for the creditor to whom the debt is owed. The undersigned attorney represents the interests of lhe Plaintiff. 4. The debt described in the Complaint, evidenced by the copy of the mortgage note attached hereto, will be assumed to be valid by the creditor's law firm unless the debtor, within thirty (30) days after the receipt of this notice, dispules in writing the validity of the debt or some portion thereof. 5. If the debtor notifies the creditor's law t1rm in writing within thirty (30) days of the receipt of this notice that the debt or any porlionthereof is disputed, the creditor's law firm will obtain a verification of tbe debt and a copy of the verification will be mailed to lhe debtor by the creditor's law firm. 6, If lhe creditor named as Plaintiff in the Complaint is not the original credilor, and if the debtor makes a written request to the creditor's law firm wilhin the thirty (30) days from the receipt of this notice, the name and address of the original creditor will be mailed to the debtor by the creditor's law finn. 7. Written requests should be addressed to Spear & Hoffman, P.A., 1034 Laurel Oak Road, Suite 1, Voorhees, NJ 08043, 4 ~~. ~----....... r--, Spear & Hoffmun, P,A, 8Y: Richard M. Nelson, Esquirc Attorney I.D, No. 72869 1034 Laurel Oak Road, Suite I Voorhees, NI 08043 (609)784-8220 Attorney for Plaintiff RESOLUTION TRUST CORPORATION AS RECEIVER rOR TIlE ASSIGNOR, TO BANKERS TRUST COMPANY or CALIFORNIA, N.A. PLAINTIFF, COURT or COMMON PLEAS CUMBERLAND COUNTY NO. 98-2214 CIVIL vs, JAMES A, YOUNG AND SHARON K. YOUNG AND THE UNITED STATES OF AMERICA DEFENDANTS JUDGEMENT BY STIPULATION BETWEEN PLAINTU'F ~ESOLUTION TRUSTJ;.ORPORATIQN..AS RECEIVER FOR THE ASSIGNOR. TO BANKERS TRUST COMPANY OF CALIFORNIA. N.A.. [\ND DEFENDANT THE UNITED STATES OF AMERICA It Is hereby slipulaled and agreed by and between counsel for Plaintiff and the Defendant, United States of America, as follows: I. That the premises loealed at 2151 NEWVILLE RD, CARLISLE, PA 17013 ("Mortgaged Property"), as more fully described as Exhibit "C" of the Complaint In Mortgage Foreclosure, are owned by the Defendants, JAMES A. YOUNG AND SHARON K. YOUNG AND THE UNITED STATES OF AMERICA, subject to a mortgage in favor of RESOLUTION TRUST CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N.A" 2. Thatthc Federal Tax Liens referred 10 in said Complaint in Mortgage Foreclosure are junior in time to the Plaintiff's morlgage set forlh inlhe Complaint in Mortgage Foreclosure. 3. That the Defendant, United States of America, is nOllndebted 10 the Plaintiff. \'JI I I -:b "C1?) -. q ::/-/ Lo ~ ~ 11 i " e 1 ~jJ ~.1 ~ f 'II . ~ .~~ ,F"'"!',,, ~"" I -SI ,. \ ,'" '" If ,. j 1 ,. ) ~ l;3 r ~ lfli n " e..... l&.?'::) "0 "" .. . " "" .~ C'J '_I , . " . ~ . h /f1 j .1 ~ ., .. ,.. ~I ~ ~ :~I (''''. .. \:).. ~ . ,ti ~ , 'w < .. "' " ,., m ~,;l .., ., N ,., . .. " " '. It) :J. ~~ ~ MORTGAGE ...., II1IS MnHHi^m~ ("S<,~'urll)" l"UIUo\\,OI", II ehC" tin SJ; p,rr.MHll. II to h, IQ, 81.n, mMI1"~"';' .JAHEaA... YOIJN.GANIlRIIHIlN .1., YUlIN!'. IIt1.1Ullr" A, W IH ,.-..,,,...,,.,,, 1"t111r'U11n") 11'11, S\'~\llh) IfllllllflWI,lll ~hl,t1 hI UN('(ll,N MOhl(:"m: ('U,\IrANY. Itllvhll)n u, Mmhtm l.hUljlll r,du.1 MI\IIII' "'iI~, IIhi,'1l n ll/Willlll~d "nd (\htin~ IIndt'1 tho 1;lw~ u( Ihi; Ul'llh't' SIMlet 0' ^'II~'Hi'j\, ,uHI \l!lllIf ~,ltll~l' il "~ '"irl'lI, 111l,HI 1IIf\hff, f'l'llll\)lIilniu l'I(,1H ("I <:ndN'l norlO~w IIW~' I.end'.!r !he flflnl'lrul ~lIm (I' 'I' ~UIU y.. flHl .tllOU.S.ANO,S.EVElI IlU,HD1F.tl,riFt,Y",AUD_'.!'!','1,:,"lh,jhm Ill';' 41, f 1 ~II) .011 I 'hi\ Ill'hI ,. Hllh'I1~'l,'d ~y lIoHuwH', n\)t~' ,hluJ lh~ ~.lmr \lfll~ In lhi\ ~r(llrllr 111\llllff1(nll"~III"'I, .."it'h llfnlldtl fill It will hi, P'I)'ltll,'IlI~, l,Ioilh Iht' full IMtl. If nul f\:tld Urlj~'r, d\l~ and llll)'iltlk on OC.],llU~ . t, 20lH !hi' ~t.'I"", In~UUrnl,'nl \C'r.'UN\ III t.~nder: I.) lhc rC'~II~rn~nl of 1I1l! ,hili nltttfHfd b~' Int NIIIl,', ~ilh hllH~'t1. ~IHI.1I It"ful., lHl~n~llIn~ Ilnd IntIlJiticlIIlorl'; (hllhc rllYMlfnl or .tlllllhfl WIIl\, ""illl InlUe" ~d\iUll'fi1 IltI.l" IjIU,'~I.llh , III "'lil"', the lC'c:urilY o( Ihi. Scellfily In'lrumcnl: ,"d Ie) Iht flt'Ifnr",,,nC't of I1nlfolll',', "II\"1I111h '11d "'{llll<<flIlIHhI11Ihl,' ~C'(u,il)' In\UUmtll1ltnd Ih~ Nole, For Ihl'IUlF,..Ott, Rulfo.....u dou hc/ch\- n\llltt~.v, ",Ull .nll (<Oll"~ hI I <<"111., th. (olhllVilla dUctihe-d f\rOpllrly IiKilltClln CUHIf;RL.A,Uo.,. .' hHlllt~, l't"IU)h.,,1a ..! " ,,- I \ "J . ._.r< Bellll mQrC particul.rly d..c{lb,d Accord in, Co 1'11' d..rr1rClull ~lt.~h~d h.reto and .Ad. . p'rt h.rloft Thl. Hortlllt be!n, tntlnd.d tu b~ . ~urch... "61'1' Hort.~., under the proYi.lon. 01 th. Lien 'rloftt1 L.w II ...nd.d. ..-.,.." "., . ') rA .. .... ft I" i'l ~ " "M {,In, - _I ;1 '~l 1'."1. '" , , , "" i,"/ JII~ '.' 'ii W ,': 1,~ " i ': t~!J .: .:,'1", " i~ ~hl~llh\l\lhotl(I'('1\',r ZI'I Nl!WvtJle ~o.d ......" ,.. '"'''''''''''''''-''t"',,,i,''' f\'l'lll\~h'Jflia .. ..U.QU.."" ..",,, t"Prof't!,ly AAdrm"); [NICQd" ""! ,J!'u,!J,..... 1(",1 TOOI'IIIl:R \\'1111 illI !he- Inlfl"l\cttlCnU nm..- flf hfff:lllI.r tftmtJ 1m ill~ jt'I'llqll~, .nd.1I Wfnl.nh, 1I,Im, Ilrrl1rh'n.)lh'f', r(lIt~, rtI~'a!lIC"l, fl'linI'f31, 1111 "lid 'H li,"n .lul"Il1~", v."W 1i,'IU 1411_\1 Wid .nll .11 hll"f~ f\UW II' h~'r"i1rl~'r II IIi"l (I(lht rwpmy, ^,I rfpl.1WllcnU 11nd.-ddlll()n. .hJII.hllhfrlhf,~d I,~ HII\ ~Ulllllr In,lll/mlnl. AII(l(Iht rllrC'~lli,.., 1\ ,ef~"~d 1\1 In I"h :'ltcurily In\lhHllCIlI4\ 11i( "I'ro,...,,) I' nnll,ltPWl1I tlHI ~",'n' II!" hor,l,1\\tf I, 1~v.'I,tl, uh~\lllr lit. fllAI' h"'b~ fMI"I~-ffl .,,,f hI' 1111 ;i,hl 10 m\lfI~J~", ,r(\lll Jnd l't\I\\'C)- Ih,. PH'Ill;'rly .,lfJ Ih.1 Iltt fl'III""V " 1'l1tnl'Un,~".11 flllll'l 'III .nnlAlhllnm tlf f~lIHf, Oll'h\'-A~r \l,llrr,llll\ IInll ",,'III dfrllld ""'HIl)' lh. Ihl~ In III. "Iftr.t1lr 11''''1\\1 .11 d.lll" IIlfllltllUlld'l lI!hlfl:llo .n~ l'I1I'Ulllhr:.nrt\OrrNOrd, TillS Srt\'rl.llY l"lnll,('..m-;r wnlhuln lIf1lfurm (mf/I'Ilt\ 1m 11I110111' uw 'n~ 'lun.Ij"i(.'1II ~f,I'ln'fth ..lth Illllll(d \'.rlAUo,,, by JurhdlCllM 10 ,onlllll,ll( IUfll(nrrn H(l;,llr lllllrUnlt"' ~(t~ul~. f.~l p'Of"Itnr, P[NNSYLV^NIA_"I\'I~ 't'lIl1t-'H..~JtH~"~ UHI'O_,. IN'UU",,,' WC\ bHl Iltl H3 ,,,. 1.1t 11111 , ",-.,... ~ "".--..... ,"..........H., _,...._,..." "_,, .....'". ","..... ".~. "" . ,"'.' . . ...., '." -~ .,." .', ". .. "",." "..,_.....,.u' ~~ ".. .-,.,-. .,"......"...........,'" ...,.., "d"'''\.. ,,_... ."-",,.' , ... \JNlrn.M Coyt~,,!t4T\ Borrowu Ifld Lendtfcoven.n1.nd "rU" rollo'll" I. PI,-,","t or P,Inelp.' ."d InluUlI Pnp.)mt'nl and hI' nUl'" nMfl'l'ut ,h,lll",nmr11y fill}' '-"'~4" dut tbt ,.rIMlr,lllIf IlId h\I.:r<,1 (In Ihe drbl "-IdtIWt'''' h) lht ~Ol( .nd lall) rf!"{'l;I)fl'WII llnd j\jl< ,hll"C\ due under lh~ SI'lt, I. "urld. Iru TII'" .nd 1"'\!fIlIIU, SubJt~llo~rr'k.h'( I~v. (\I I~lll \\l\llcn Il."hcr....)' t.~lltlc', lINf!IIl.(' \bJIlI";))- 10 t("~t' 111\ Ih\' il:lllll\mlhl) fla)'nttnl' "'f dlJ\' und~r lIlt NNt, unlll 11$ ~\.'IU I~ Ilnl\lln rull, ,l WIl1I"f\llllh"\ \'4'''11 III (IIIt,I\I'~Ulh nf I~' ~II'J") IJ.\~\ IlwJ J"t~~f1\ellh \lhl~h n\'J) llll.lll'1 r,i(",'~ (lH' Ihh St~'UIlI} !1'IIIllm<1l1; (\II )CI'''> lu\thv1<J ril}mllnh I" ~1i')UI'U '11111\ on lhc, IIW~II). I( ~n). (d )11,\/1)' harm.! il1ll.H.,"\~' I",'milllm, ;\tlU hll ~I'~dl mnlla;lc~ I'''U.~II~~ rlcmlllm.., Ir illIY Th(\( 110:1I\\;1f~ Cdlltll "c'..'"..... II,""\.' LI'lllh'1 nlll) C,Il""II\' lhc fUlIlh 111.1": Illllh~ ba,f\ nl1;J I I 1'111 Ii,Illl nnl.l'~J,lIt, JIt\.: (~l il11~lll\ Ilr fU\1II~ ~~..: 1\1\\ '1\'11\\ The Fulllh ..l\,llItu IllIId III 1111 111,IIIUII('1I Ih( lkl'(\,lh (If ;l"llUllh ~'r.... hl\'h 111~ jl\wllld III jlll:ll.lII11'(:11 t-) ,I rl'dl">l1 tI' 'I~l( 1I~~\l$ 11lI,IUtllllll LI'llll(ll.r I.o:nll.." I' '\ll,:'h .111 ill,lllllllnnl l.cl\lI~( ,h:,llllrr'~ Ih..' FIIIII!. II' 1',1> llw \',~'Id" '\1'11" \.\'IIII.'r \11.1) 11,'1 dIJII\" (11r \1I\1(,\IIIl'> .JIll! ~1'I1I> in~ lhll FUI\U', Jl\Jl) I.(l\t: lh\' II';~"\UI\t ,It \ Olr) 1l1~. Ill..' ,),'.111'>1 llCIl", liIll.'\\ \.lIl1dd r,I)' Ihlrfl1lh'f 11111'le,1 till Ihe "'UI,,). ,1nll 1I1'1'h\'llhlc 1,1'01 rdt1l>l\ l.~lld\'( 1\lll\..~~ \11\'11 J d\.II~I" tlllrll'\\\" ,\\\11 l.~ll11cl nl,1) apl'': III "" rllmlt tl\:.Il IIIl~rl'~1 ,h'JU be l'i1\lllln the FU'hh l.ln!.'" JII J~r"I'lI1t'll1 I' m:ule III (Irl,hO:Jhlc 1.1\\ ,c4ul1e, ,"h'f'.",l III tw f..IIII. 1."'1,,11:1 ,h;lllIWI hlll"'(IUI(,~J In 1';/) nMI\l'''':! ,1l\illlldl"llll I",!lllll~' \Ill Ihe rllt\d., I.~'mld ,h:ll\ 1111 I' h' n,'1 11''''''''' , \1 1.lulUl ,'II-lr~~, nit nnllll,11 ;11'll'lIPllnJ III Ih,) ~ Ul>d, ,hl'll '111: l'r\',HI \ Illlll del'll' II' llh' I'V'III-, lllld !l1\' I"HI'II"'" (", \,111,1, ra\'h d,-'llll III tll~ "UIHh WJI IIlJll~ Thc l'\Ifllh :II~ l'k,II~,'d J\ J{!dIIl\ll\,.1 ,\'I,:'-Irlt) fl_1 lll~ \11111\ ,...,u"ll I'l Ihl\ Sc,,'lHII) 11I,I,u'l1~'11 If It-I.' :lnl<llIlIl ,lr lh~ rumh held \;I'1I':I\(j~f, I(\ltelh~1 \11111 I)'~ ful<lI': rn'lIlllil) 1''') In,:lIl, Ilf hJlnl~ r',I) ,Ihlt: 1"11" II' Il,t du... J..ll.'\ IIf l1w t!,(fll.... ll~fll', !oh~ll ~'I.~~clI11~ 1\m')\lI1~ rll\l\lllt!d l\l P;I) !h~ (,,'r,m Ill'lI" \\hlll1 liu\', III..' I"~"'" ,\1:111 hI'. \11111,(1\1\\\"" llJlII\IIl.l'llhl'r prLlll\l'lly 'CP;!'I\! III 0'1(1\11\.:1 \If \.III1II~d 1'-' !h,m,"eIOIl flWl\lhl) I'J~I'Wnh ~lf rlllh\- Irtllt! illll!l\lllt IIr Ilw 11\1111h "..'hl hI' t~lHk, i\, n(1, Hilrl\IUI\I II,) p.I,' lht! (,,-'r,-l~ il~tll\ II'hun d',I~, IhHttl\\\'1 ,11:1111':'\ hll"'I,,k, ,1111 \6I1\\IUIlIIl"'\'I'\'ll') III f1\jll;C \II' 111": l.krl...,(IlC)' in lInc 111IW)f~ r~}IlI\.'I\I\ 11'1 r\'qllir~,j \I) LCl1\kr \.lpllnrJl.'W~l ~n full \If 11\1 ~uOl\ '......ur~d b)'lhi\ SCl'~lIil) IIhll\1m~nl, L~mkr !ohllll )11111111'11) Idlllld 1\111(\1(1\\1';1 \fU~ l"1I1Hh h~l\1 b) Ll.'nlh'l.lf llnJ('llurligllll'h II) lh( fll\lll\lll)' h ~,lld IH .j~'\luiMI by lent!.:I, LI'I\J\.t ih,IIlIIPI1I). Illll,lln 11141\ InHth'IIiJI.:', prIM III Ihe ,~I~ 1)( th... Pwpo:n)' or 111 ~~(I\li\i1101l \>~. I.\'f\~el, ~tl) Fun\\- !wltl III l.cmkllll I'll; lil\\~ \If l'illl\h\",tlHtl;l'l J ..-redll n'll\n~I 11111 ..un1\ ~ccurcd 'ot Ihl, Sct:\lril,' h"IIUlnc1\\ 3. Appllullon I)f Pll)IfH.l'ln, Un'c"'~ ~rrhl'able 1;L1\' I't\)',ld~'\ (llhcrwi,~, all r~I'In\cnl" 'cl'~l\~d t'<)' \....nd<:t Ul\lh'r I'III;ll\'lIl'h' Illtld! ,11.111 t''''llpr1kd: fll~l, t(l1~1( l'h~(&II' du~ IIfIIler lh( ~(lte, \\''''\111d.1O 1I11'I'\I)m'l'II\ d\ar~\''\ dlli-' \111110." \Ill.' NI1\c, thi,.." 111\lnll'Ullh 1',,)'IIblo.' \Hld~f J11U,\grlll''' 2: rllUllh, 10 inl,:r.,' "'uc: ,\ud 1:1'1. Itl flrhh:il'i,l (lw 4, (:hu'~~'; lI~n" nll'h1\Hf ~hJlI t1:lY 1I1l1lf\\''i, \w:c,,,n~lIt', d\i"~C~, r\lO\'~ ul\d 1I111'"liilillll\ 3tlFlhVlilbl" III I'll: }llllllCm \\hl\'n IllJ)' Il'tlliA pdHfi1t o\~r Ihi1 !)I;~uflty In~lI\Hl1elll. ~ntll~u'ehnld l'11)llll'nl' lit lfOund r~llh, if ~ny nl"fi'\I.~' ,h,III 1":1) Il\...,~ CihlilO:II'i\lI\, In lh( "\111\1111' rt(\\ld~d irl.llJfJ\lI"1'112, tlf If 11\111,,,.11 in IhaIIllUlll\a, Iltlrrl',^~" ~h,lll rOl, Ihl'nl (Ill titllt! lhl~~Il)' l\Ilhll pll'~on 0\1. cd !I\l)n'~nl, (torfllll'Cr ~hJlll'l\.lml'll, fUIIII,1I lul,clluel allll(lllll~" flf ~nul\llll' 1(1 be (1,11(1 ul1Jel Ihl\ PMalTUph, II' UOll(1l1'l:r nlJke\ Ih...~... r~}m~F\h dlr~.;l\), n,.,f\l....~' ,h;11I p.(\mptt~ rurni,h Irll,\'1\J~'1 'C"''''lrl~ ~~III~llo.;lIlK lh~ r,I}'ln\'III~ ~ Ihll1(J~~'1 ,lmlll'wn'pll)' di(~h(II~C JIl)'l\cn '" hid\ hu\ l\tlc"Il, Il\'C' 11m S~...urll~' ""IIUIlWIII u:\k" ttnrrll.....~r:I(:J) ..,~'I" III 1\ 11111111(1 Ih~ 1'~~ltl~nl Or Ih~ uh11lpllon \ecuf<:d hy \h~ 11(0 lllll rn~l1l\er 1\<"\'I'I'\;I\I'C \,1 Lcl1d...r, (h) ';llnl~,I' In ~"'t1d fUlln th~' li.'1l 0). III dd'\'ll\I' 11~:1lI1,I "'lIt,,'o.:~lllell\ of lh( ll~n 111, Ic~oll rfll~'N\lill~' \'\'hkh Il'I Ihll t.ulIdc"\ clfllllltlll nreM!" Itl 11(111 \'111 II,.., l'Il(111\'lo'ml'll' Ilf lhll hllll 01 f",leilutC \)r un)' f1MI IIf 11111 l'tPI,nl).II' (d ,"'\'\1'''' rWIlI lh... Il(lhl~'r ur IIl,'li'-'ll nil "1~to.;\'l\I':11I \"II,fa,'WI) wl.clld"t 'Utl...,~III\illill,~ Ihc h~1\ III Ihh s....'urll~ 'I\~Irl.III1<:lIt. I!' h'lI(l~" "'I.'Wl1\llll,'~ lli;ll 1111)' I\ilrt Ilr tll\' 1"1I1'\"I} " ,"II]':\! hI n 11~'11 ....hidl 11\:1) :lllJlll ,,'illf\I~ 1>1'1,'( II'" S.','II,'I1) II1,lfUlIld'l, I ~ml"" 1ll.1)' ~I'>: 1\ofllll';l," 1I liP""".' l\h'lllil) 1I1t\ llle lkl' 11M I II'> ,'1 ,1...11 'lll1,ly II", 1i':I\ \\IIJ~'" 1I11.: 011111\(\' ,If Ih,; "" 11'_11\\ '~'Illlflh ;11''''1 l' \~ Ilhlll In li,l" 111'11>1' 1~1\ II\V "f 1I0tl~'''' ~. Illl/,lffd 1l1\III;UI~'I,', nllrr\.l~":I ~h:.l\1 kt~l'I Ihl' ,rl1r"l,wI~1I1~ 11(.1\' CI"'Il1~ (If th'I';,lfl':l ~f"'Cld Illl 111<-: IIlnfl,'n) 1"~\lh'(\ ;l~:IU\'1 hh\ \.l) Il,c, h..,.ll.h '1\~'lud~d ....illt!n Ihe l~fll1 "o:_\l(I1\I~'d 1.,h~I;I~~" :ll\t! ill') {llli." h;jn,fu~ (.u '" hidl LClltkr I<:q'lir\" lI"ui'Jl1c'" lhl\ 1ll\\ltuIKC \haUl'< nldlnt,llnc'" in lh~ ,',,\lour,11 ~ml fill Ill<.' p<-:rlll\h lh;,l L\'I1(lc' '.....UH...~ Th... \11>11.,II\\'C \'Mflt!r rl\l\ilhllg 1),IIII1,UHllll;; ,I1JII ht ,hl"t'n h) n\ll'II"'l'1 ~l,Ihl~'" ll' I ~ndd~ 11111'(1'1,11 l"lklt ..11;,1111\11 h~ UIII"',I""l1l1hl)' \..llhhdll I\l1m,ur.I\l\\' r\I"1;ic' Jilt! '1111~1\'1l" ~h;/l1 to... aCo;'('p\llhl~_h' t\'l1dn ;11I~ ,11Jll indll\le II ~ln1l\,hlld mllr1~p~C d,ll1'c L~n(jl;r ~h,\llll.1\" tlwllghl hi hlllJ Ihl! \l\lh.'ic' ~Ild r(n"''IIal, If 1.~I\dc' r~\j\liN', ll11rrn'" l'r ,h:dll'rllllll'lly ~'I"'~ lld.Clhkr 1111 'Ut:~I,'I'- Ilf r;lill r'.'IIIIU01'; \lmJ 11:1 'l"'Jlll\lIN~'- Inlhc I!..,I\I Ilrlll'" 11-1/11'\\" .hJl1 ~IH' prumrIIlHII"'(! w lhIlIIlWla'w~ tllll,illrJI\\1 I.~'llIIIII.I,~IIJ"" m;\~ Ina~, rrol,)f of 111'1.' if 11\11 n\lld... IIr'llnrth l') 1I\'f/\l'o\o:l l!llk~~ \'I'IIJ...r and U\lrr~ll\d OlhH\\'h( II~'>:': In ""rilln.. in,U(ollh'e (IF\','cllll~ )11,,11 t.... 111l1"leo 1\1 It',h1'1l1!t1ll11' ro:-r\\\l or 1I1( l'ri,pdl) daIIlJ~"'\1. l( Ih( ,(';\I.,illlun or '(r*I, I~ ~'l'nl)lfli~.\I)' f,-""ltll~ ~nJ LO:lh:ld\ ~~l'llrll) "t1l,ille'~~I\~J. If 1110: fll\I\1IUIHlIlIIf '~rJ\/;\ not (1.:I1nnFtlI...ally fct\\ihh nr Lende,'s ~o:~unl) \'\~\lld ~ le~\tl$d, Ih~ 1l1'llful1"'( rrll~l:uh ,hilll ~ 'r"I,'d ,,, "" '""" ,,,,,,,,, 0, ,hol S",..i'l I",,,,,,,,,",, "h..,...., ,," Ih,,, d"" ..,h >0' ."'" r"id ,,, 0,,,,,,.,, II UN/I,\\'\'r .lh.ull.t!ll1) lh~ PWpl.'II). \'It d~)cs nllt .I\~",,'...r .....Ilhln )0 UJ)'\ " nllli.'~ rtl1111 LCI\II~' IhJI th... inw,.m:c currlcr h.I' ulttfcd 111 ~~,tll~' ;a 1;IJlm, Iho:l'1 l.elldcr nll$' ~i111(l'I tlje hUllfMlr," 1'(1)...t!I'd, I.llude( lIlol) \I\~ Ih~ r'I'It;\,cd\ 1(1 rt:r~i' Ilf rC'1I1I,' the llfl'r,"'rl)' lit III r;'~ 'ltm~ ~CI;U(o:J I'oy ,hll S~t:utlly Ill\Utllncnl. ~hc\h\'r (If l\lll Ih':l1 dill! TII~ ,'(I. till) P~'flll\1 v. III tw:~lll ....1...-11 Ihl' IhlH\'~ j, ~IH'n, . \Iull'\' I ,,'n\Ie, lll\l! "Mill!":! '1IhCIWhl.' \f~'CI! In \l fiIUlJ.IIII)' ilrl'h,'I'tiHll nr rr......('~'t1, hI flflll~'lr\l\ ,hllllllllll.',h'lll! ,I, I"""""" Ih, "'" ,','" .,f ,h,' ",,,,,,hl, r'" "",,,I; "r",," '" '" r"",~,,'r'" ",,"12 !" """'~' ,h, """",,' "f ,\" r","IO"h \1 UIII'" r,,,,,~,,,,.h "I "10 1''''1''''1 ,. "'4"',,d bj l,,,"... """".,,., ,,~hl II' .'''1 .."""",," r"h",' ""I I"""'''' ."ull,"~ H\lt\l \I,IIIIJ~1I I\.' Ih~ I'hl~\lrl)' prlOI III Iho: ~...qul'lllon ~h~n r<l~' 1(' t(IlJ1.'1 1\1 Ih~ l.'''l~nlllf th~ \u"" 'lI1;u,eJ b) Ih" So.;euI,I) In,llllnt","1 im\1wdl;\lcly priM 1(1 !hc J';4\11\ill~ln, 6 1"c"~rv~lllln ~nLl \,..lnUn:lnC\' 0( rropttl11l.UUholdt, BOllo\H'r ,h:Il1ll\,1 d~~lfllY, dJl1Iall.' \" Illh'I..,I'illIy ..'hllllr"' 111c tlll'(I,'fl~, all..", Ihe r"'IH:l\y 10 d\'lwnra1e lit (0'11",11 \la\\!.: H Ihi, ~e~'u'I:}' In"'HfIIH'Ill " (1I1'lIlll~\llhl~ld. IIM'PII d ,hilll ':l\II'rl\ willll1ll' I'fnl I~il\ll' (If Ih~' 'C,!~II, Jlld If 1I11rwYollr aI,'lWIl~~ k,'l1llc 1\1 llli: 11'''petIY, Ih~ ICJ,~hll'J lInd r~~'lil1~ ,h,lllm\1 1I1C1t(C Ullh',-, 1.1'l\1I~'1 ;II"IIC\ 1l11h~ II1cr~IIlIIl"" r\lin~ 1, "'OIWIIHI III l.t"dtr', RI\:hh I" thQ r,opNI)'i :\1!ltll1'~,~ lMllt,ntt. If 11111111",(r fdlh III J'Il,rlltlU Ihll C(1~t,'l1i1\lh ;tnd ,1~,h'\'mCl\I.; CNllllin,'\1 ill Iht!> S,,'(uril) lt1~uu",el1l, nr 111m \1 a I~S-J1 prOl.'\,...oJlnI1h;i\ mu)' ~1.nin~~I\lh lilf~.to:l I.tllJd~ lI~hh 1II1ht llfllr~") (~u~h 3S n r'll~~~d\n& in h~I,\,I\)rl~). rwt>:M, lor cQnd~rnmlnlll\ or 1<' Ill'lfn'o.:~ ll1v.~ (If Ic~uIJlltll\'), It'l1l1 L~lldl" q':I> II<I and fill)' (('I '" h:ll~"'~' I~ n<(,'('~Jt)' 1(1 rrnlW lhe ~'3I\1C ('II I"t III\II'I!II) .nll I.lIlldel'\ fllthl' in t11~ l'hl,Jle'I~- Ld\Jd\ ~o:lll'lI\ 111;1)' lndudl: ra\II'I' MW ,unn \etultll h) jJ "~'n \lhlo.:h h~\ "(111111) "vir Ihlt SI1.;u,il~ \",uun",,,l, arrCJfll\t 11\ ~'\lU'1. pJ~ln~ 'U~\lI1:alll~ 1111011\1l>~' fe(~ nod 1lT\I~rll\1 Nlll1i: rtllr~II)' ll,i nw\.c: "rU1". "hhtlu~tl lend,'l 1I\~IIJk... ,,\'11\1Il 1.I!lJII' lhl, Il;\/;\J':&(lh". L\'lIckr tllle.; 001 h~\'4 \lldlHO All) ;ll'\lI(II\I~ \h.t-\Jf~cd t.) 1,~IlIJ~1 ulId,'r Ihi, rJ':Iar~rh ., ~han h''''I~mc ;I\JJilion,\\ dehl ur nllff(\wtr .,c~uud b)' Ihlt S~'~Ulll) 11\,"11111\'111, lllllc~\ 1\"'''1'0\\'' and l~'HIIlI ;1~1\'~ 1(\ othe, l(fll1~ 1\( r:&)m"'llt. Ihl'~'" ;In1l1UIlh \11111\ bc.<,1' In\tf~" frum lh( 1I,'1~ .If lh'''\lI~I'llll'lll ~I lh~ NOlf pic Jnt! ,h.lll M f1J;\lt.l\', ~hh lnl~,(~I. U!I(ln mllleo: rlon' 1.,nd~t 10 11(lrrjlw.r 1~'l\II'~I IIIi' 1',1) l\\~111 . biio~ Mil fAtE 141 " ',. . .".--' '...~-...._.- .,........ ,..---.-,...'. ) ., .. If l.\!llllc' 'l,'~ujt~lJ n\~.tl'~I' IIh\lt.lnc. .\" rMl.hlllltl \I' nl,'~I!\1 tIlt 1,\,11\ h~ll!f,lll. 11,1, ~'nllllr III,Hum,nl, 1f"",I'A~' ,h!JU r,I~' the P'~lllI~I1I' ""IUlI~d hI !I Il.11ll-1I11 tllr """I/JII" II! fUrl I 'HlliI \11. Illilll~ II Itlt "'PII"Wftll ,,/1 Ih, 11I\11 ,,111\ ~ h III11I1J I~'\ III 'h\'\HIIJn~'~ 'Ir, It h !Ill' ',j'~ 1'1', .j."J 1.1.' Ill" I" .. rIll \'1\ 411' ""111\"11 ,11 ~"I'II\.,hl\' I...." N, In\p,'~lllln. 1,~'llIh,', II' 11\ 4i\'111 H1IH rn.~~ IU"'!;,I\<If ,!lIIHI 1'1"10 ,III,' Ulljh'I'lillFlO 11'11" "/111','11\ "miff ,hall j(il,'lI"fWIlH 111I11~~ ..llh~ IIIII( uf,., II',Il11 1'11111111\1"'\ 11"1l 11'1'\ .11111' /(.11'"\.11<,- ~'",..,' r", ',,~ 11l1f\\'lllIn 9. Crl"d~"I"..lIun, 1 h..: I'flll, '1\\1\ III .,nl .1\10 AliI II' . I,Illn ((01 " 1!lJ.l~~". .'Hr\" PI 11l!\'1'4IUfllll,d, III ..l'llmillll/1 14 uti 0111) ~llll\'h'mn,llllllllll Iltllcll,ll.lll, III ~l\) rolllll' 11"11'/'IIIVlil ,U I.., "ItII~I"'''\ 111111 'I (II \\lllohllllUlllltI, Ml' h"'~hr lI"I~n\'l.I,lhtJ\h;llItw{1,mlllll,l,t\l.I~l. In Ih~' ~'H'lIll1r ,I IIIt.III.,lltlllll' Ill,' "'"1'111\, 11,\, f""" "It. ,I'illl h 1I1'1,\i'III,IIII" "lUll '1IU"_IIII/IIII' ','dUU, III\IIlI!llI'UI, ,,111'1'Il,'r or 11,01 Ih~f\ dUI', "'tll, ~tl. l"~ll\ I','hl III 1I11111l1l14 11111,,' rl(1I1 II' J IlflIlJII,I~1I111 II Ilullllll"IIlY, unl.'" nllrtn....~( Jhll I I'udll Hllt~IWl~,' ,l,,~~ 11114'1111111, Ih'l "1111" 11",11',1 II) I Ill', \\,IIIII)li"UII!lII'1I1 ,111111,\' h'lhll'~IIII' Ihl! ;lIllllUlII "' th.' r""-I'nh Ilwhll,IiI',1 h, Ih~ (\liIH'llIl" (,.1,111,11 (~lllll' 11'1111'1'''\1111 pi 1I'1 WillI \l',1I'1I1 1I11111"lll,lld, tlcrtt't'II!~ 1,llIIIX, Ih\ltlnt h) Il')lh~ ',m tlUlld I,Ihff II 11,,111<'1" III -1Il!1,.'dl i1~11 10,,1,1" 111\ 11~11l1l ^1I) I,.II.IIII( \H.IUI", 1',1ltJlltllll1'lIIH'1 Hlh~'lt'III"'II) "nl'""dllll".1 h)'U\I(lIl""" HI Ir, 'jh~', lllllllf hI I \1\11. '1<111"11\1"0 Ih,lt III~ 1111111\'1111\>" 1111'1/1\ h' mlll.e ~1I.1""';UU l'r \~Hk.1 ~'l.111l1 'lit 11~lIlill\~' 1I,"r'I\\\'I (,1'1. II, II'f"II,II'11 \11.),1 ~i111111 Inll,I)' ,I'ld 1111' 11,111' 1111,' 1II'II~\'I, ~h l'U, I ,~'IUI\', 1\ IIlIt IU"III411" 1 \~II\ I I ,'11,1 11111111 I"~ 'II" 1"'11 ,_ ,II Ii \ l'I'Illll' 1 'I h. , II' I, .11 'I .11 11'111'1 '11'111 1,lllh "11'110,'11. \1' In I hI' \\f1I1~ '1\ It! ~'d II) 1111\ ,,~'\ III I') 111'1' 1I1l1\. II I, \10 hI I hd I" 'Itll ,Ii, II ,IlI\' lllll..\\ 1.1 'hl~', .lIulll.lr"I~\1 Illh\.'r~ hI' .I~I'I' HI ~ III'll;. ;'"1 oIl'l'h, ,11!llll"II"'" I' ,I> Illj'fl'h 11'11 ,h.lllll/II ':111'1111 III fIt"IIIl'U~ Ilt~'lhJ\' ,1.11\ I" III~' 1t1"111/l11 11.\'11\11'111. 1~''''''I,II'1 III r 111'1.lf'I,~ 11l,J I I" ,li.IIIV...h' ,Illhllllt' I" HII '11'1)1111'111\ 10. I1n"n...., ~(jlllcluu.It, 1'4IIi)U"I!tf lit 1'/lIIt'1 ~1I1 I \'1111,1, r'1<'llllilll II( 1111' HIIH' {II, 1'.I~llh'III O( m\,dll1\Ulllltl or ""hHltl~'h'n Ilr \h~ ~IJltI\ 1\\-111"111>\ 1111' "~l'I'lilt "I,lfllll,,'OI ""llul 1'1 1.~1l111'/ III ,11I1 W,'n'.,.., 1'1 UlI\!r~'~lllr Jlllrlll't\", \hill\ I1nl 1\1'~',lh' h' (~I(J" th~ HJI,dd) d llil ..rl~IIHt 11,101111' .'1 Ilf lIdllll"~'I" 11h.'n'~I\l" 1II1llll'Iro' LI'IIlI..., ,hllllulll Iw ,~~uu~,II" ~lllllnl~ll~ I 11IIlH'(llll:~. ~f,IO;lq <111\ '1I,'\i\"" III lI'h'II'll 11' ""\I'~~ III talt,,'Ht !itlll' (III r")"I1h'UI ttr u!he'~hl,' "Il'(ltry ,l11l1l1t14.1I1'lfIllf 111C ,Illll\ h','UII'J II) IlIb \<" 111111 111\IIIt!I'~111 h,' "',1\1111 Ilr III~ II.ilt';Uld nllhl, h) 1111.' 1I'I~lll,lllIllthml" ilt I1,HI\,... ut', ,u,','~\\,,(\ 1/111111 11,,1 "III fllll'I'M I'll \ 1<\ I rlllh'l III t \\'Ir'hl'I, Itlll ,I,hl Pl '~I1\~,lr 'h,.1l1l1l1 t!I: J \\;m~" I" 11' pl~, 111Ift- Ilu' (1<10,,' ,1( ~I', lI,ltl"1 ,,",.,11 II, SUn'tntlu ...11t ,'~,lllll' Uou~11; Jolnlllld 1.;11("III,hllll,. ('Il,.IN'"I'. 'Ill< ,IH,'II,mll IlnJ ,1~InlH\'IlI' I" Ihh ~n'IHlI) ImulIfll\'1l1 ,1t,III h141J ,tllllll"IlI'tll III, 'lh'_'\'''1111 1\l1'I,"'i~II' 11(1 filii, Illhlli,., ''''I~,. ~ntll\'\ 11111111' 1'111~I\I"I\' III r,H,I~rolllh 17, IIllfhllh't\ r(lI..'I"lIll' JIIII :11/'1'1111,1111 .fl"III,,' /"111' ~Iltl '1"1 I II '\1'1 IIPlfu... n II 1111 \.'I'-\I~Il' Ihl\ 'i1'llI'il)" Ith"IIIII~lq hlll 11.'1"Ih'l I'h'\/lll' 111\' N,'I~ ('11\ 1\1 '1~lll'lf 1111, 'I, UIII~ 1!lI11"HI\'1I1 111'1) 11I1lI1"1,.,C':, ,',1111 ,IHd \lllll~) lh.lllllllfll....~(' lI'l~'rl,1 1lI11i~.1'11I1'\,.,1)1II1!1~, 111\ h'llIl\ 1\(11\1, \,' 'I'll) 11l.IIlIllI"I'I, 1"'1 h 11"1 r,'I'IIlllllI, Illdl~,'I,J h, fl';] 1111' \lIn\\ ~\'~'II'I'11 It) Ihb ')l'\u/H~ 111I1I1II1kl\I !\ntlld f~I\,\\ Ilql I ~tllll'l <IlIII ,III) !llh~' ""IfIl\\"ll1lj'~ .1U,h'\',III ~"qn . llhl\llrl, rllrt>".,t! 1" lHll~I' ,Illy Jq "1I111h....J~\!!"" 111111 ""'1'111'1 II,,' I"IHI\ 1lf 1111, ".'1 IHII) 111,11 1IIIII'nl II,' tll\! N~'I' I4UhllUI 1I\;l111"tfll\\t;r'HIII\\'1l1 ' Il, I,nlln l'hllrlCn. I( II". t.,,111 '1'1'!H,"! II) Ill" Sn Il!lIl 111\1111111\'1111' '\JI'I.,I 11';11.1\\ Ii 1111 II \1'1\ 1tl;1""lUlII h".., \'h"'~i", "'!lllh,ll lit.,., I' llulllty hll~''1\1dl'\1 \,1 1111;1 11'1' 1I1h"~.1 II' olli~1 !.III'I dl"'~!.' I'plll'\ lt~1111f III tN ~'lIlk~'h'\lln Ullltl~'\lllUl \4llh 1111' 111,111 1,,,,,:,'1' lil~ 1"lIl1l1h,\llllIIlh. 111\-11 1,1111111 '\ldl hl11 ,llil/~\' ,11.111 tw "'1111\'1'111') Ih~' 11111""111 11\'n'''''') hll~"t1, I; tll\' ~'ll;"~l' hi Ill..' ''''flllllhlllllllll. ..Iul OlJ ,III) ,1Irlh ,lh,,1l1,. I"ft"\hd hllm IIt.ltlll\I'f \4 hi\h ~''''\'nktJ Ilo,'fltIllll'll hUlIh 1\11I t>~ fI'hlllll\'IIIIlIII'''IlI\~'' 11'1111"1 !lIJI dl'~'I\' hi II1;I~,I' thl' '~"ll1hl h '1'IIlII'IUII 111~' p'hl~lr,ll (\'41'1.1 umkl Ih~ Nllh' Ilr h) Ill"kll\~ illlil~..lll.l) 111~,ll III """II't\~" If illl fllllt! r~d\l,'n 111111\ il'..I, Ilu' I\lhl~ 111'11 Yo III h.. 11I.',tl\.'III" n ratlljll\'l\'llll)III,,'nl wllhlllll UII) rrq'II)'nh'1I1 ~'h,II,I' lllnk, lh "ph' U, l\.ttl,hllhl/l ^r'ullr'l. I.tnd~,', AIlth", 1I1'11,1\l!lhtll ,Ir 1"Jllf.I!I"1l Ilf ,II'I'h..,lhI, III"' 11,,\ 1111' d"~", l,t '\'Ihll IIII~ .Ill) IHIl\hllllll" Ih~' N,'h' II' Ihl'l 'i~',\!Itt \ 11"111I111,'111 IIm'llfll'II',II'I,'... ~j\ltllll~ III 11_. 1~'IIl', l~'lll"". lilli' I'IIIIU", 11M) "4u1h' irlH'lI~IIIIII~ ,..I)II1~1I1111 (Ulll,llIll \ijn", '~'\llll',1 ht Ihl~ \fIIIHIII h"l/ltllll'lIlllud ml'~' hn/lh' (111)' 1~1lI~'tJl~, l't:rltllll,,1 ~) r,I' ,Iil' ,I,.h 111 I r l.~'IlIl\', e Ie f,'I~~'\ 1111. 1'1'11'11I. I.I"llltl Ih.\lll,llr Ih~ (I ~ 1" \"\'';1'1~1l in I he \e~llnd ,.,11 ilQ'oIJ1h of (l;II,,~r.tr.h 11 ., ~nllcn, ^1l~'lllltku hI rhl,lIllA\'f II'mhJ~'11 (Ilt Illlhl\ ~I"'llrll~ IIl\UUI1\i~t\1 ,11.1111'1' ,1\1,'11 h)' ddheflllf 1111' hr IIt,lihll~ It tI~ Ilhl d,1'1 1II.llt IIl1k" .11'I,lh"lhl~' IJ\\ IC'IIII,..., 11\\' f'( ,lih'lh~'1 IIldh''l1 lh~ Ih'II~~' \hall h' 11Ih'\'I~IJIII Ihl/ l'fIIr'\.rI)' ^,h1r,'" m illl) plh.., 11\ldh"\ f11"(il....~.' tl\',I#IIII1'" II, 11<'\1.\' il' l ~Hlkl '\11) rllllk!: 11I1,\'lItkr ,h.11I II" Inell h)' n"1 dol\>; 1lI.11I1'1 1 "IIJd, ,lItlll"" 'I;ltcd l1...r~'1I111' all) 111111'" Ihhllth I.flld~' Ih'II~I1JI~" 1') 1I\llkr Iu Ih"1I11I> ..'f, All) 11""1;. "'"I I\kll rl" illlhh S, \'11111) ""11111111'111 .11:111 h,' 111'1111"11 hi h(ll( 1'\"'11 ~11\'1l h.lh'l 'Ihll!f !If 1,1'lllh" \\ hl/II ~hell U\ I',u~id~d mlhl\I,.I'OIjll.lrh 1\, (illlHnlhM 111"'l ~c,ullbllllh fhl' S", II Ill) lrHIIUllh:llt ,11.1111,,' a:"\I'/I'~11 II) (\'lk',lllil'\-lIltd lilt, 1,1\\ Ilr Ihlt JlHI.tJl~'ll\'lIl1l \\llIdllll~' 1'lllll,'II) Illl~~I...\1 11111,,' t\tnl 111.,1 ,lIlll'''"hillll II/ d,,"~,. \11 11\" Sct,'u,il)' Imll"llICIII fit Ih\! Nllh' \'III'lI...'h ....11t! Jrl'lu..,lll~ 1,.'0\, \Udl ~.Hlf:h I ,hJlllllllllfTn'll\lllrl 1"1'1 "1111\\ I,r Ihll Sl't'lI/h) 11l~I,unt~'nlll' Ihll Nl\lf 'AllId1 "III h~'I~ill'lI dr." '\Ilh"IIIIIH' I'tII,nl~'lln, 1"llIhlllll 10 Iii.. l'lid Ih~ rIIPII'hlll~ Ilr Ihl' SI'"ulilt 111\"1111I';111 iUld Ihl;' Nllll! .111' ,1"II.III'1! III II\" \1" ~",Ihl~ 1ft, llu't\l.,.I'I'~ C 'IIPI, 11I11/P\\t'l ,1101111'1 ~lll'IIIIli1' \'11'1(1'''11''11 \1'11. 11f Ihi' ~III~ MIJ II( Ihl' S......urll) 11l\lrllt\l\'lIl, 1" lUII"I" lit II.... I'rup\'rh III . lI~ndl<J..1 InloW In IIprrultN, If ,I~I III !Ill) IIlHI IIr Ih~ 11'1'1'1111) IIF tiny Illl>",',j III II I' 'Ilhl ill l.tUI\(I'r,,1111II Ir ,11'1'111'11. IJI1JlICl~\III1I1"IIIII\'" I' ",1,1(1/ Illln.r~'fI~t1 JlltJ IhH'Ullltr h rll'l.. 1l;!lUfBI r\'r\llul 1\ IIh\'1I1 t~'IIII~'r', rlllll 4 nll~tl "'1'0'\'111, 1.~'r1ltCl m.I\, ~I III 1\1'lillll, It\IUlh' Irtlnl~dllJl~ J'i1) l1l~nr in (ulI ('1f ,\t! 'um~ '~'~'III"'I' ") Ihl' Sn-urll) IIt'lfUlll~1l1 ""\\I'II'r, 11m \11111"11 \11,111 111\11110' U~'II'l\cll hI I,Wd\'f tr c~~r\'I,c l\ fl'1\hlhlllid hr h,th'I,11 t~I\\ ii' Ilfll1l'll.'h','fjhl.lIn'UIII) 111.111I1I\\'1\l If 1.~11I1\" "'l"r,I'\'\ 11110 I'r'lllll, I,lilld~l 'h.'1I1'1~' ""fI,II\I'1 '1\Iljl\'II(ill;~'dd;111l1ll Th~ IlI'lk!; ,h..1I r'll'..ltll' \I ~',ltld I,f 11II1 k., Ilhltl ,1011,1) I flllllllh,' d.I'" lh<llllltl~\' I. IIc I' ~Ilid IIf 01,'11\,,, ....llhllll4hkh 111,"11....1" l\lU'I/,,'Y;l1l '""1\ ~<:~'",rlid h)' Ihl' S~'\'lIllh 11l~IIIlFlt"1I1 lI' 11,111\1\>\ lil 'illl, II' fl.') 1I1~'w '1I11l\ (Ifllll IIllh~ ~"lllllll'lI1 III' Ihl' II\'Ihl. .,n,l.." m...)' Ilnn~lIlln)' "'lllnllt'\ 1'\'rllljll~ll tJ) 1111' 'i\'. Ufll) 1I,\III/fIl~1I1 \, 111111111 'llllh~I Ill,III'\' 1" clrnl.lmt 11I11I'1"II"'~' I". llllffllltCfl1 HI~ht lu Urln.I.It, If 111'''1\\'''1 I"~','h ',',II.tlll \',111111111111\. 11t'''I,y,,~'r \h;llll\;\\\: III\' 'lUll I III hU\\I \'Ilfl'h'I'flWllllt' chu ~~','UIII~ 111\111111I1'11I 1ll\,lllIltllll\'II,1t ,IIi) Iltll\' 1'It\IIlII 'II~ ~',Ulll,ll I" (II) , 11(1)' hi' ~ullh nlk.., (1",11111 III "l'plll.ttlk 1.1\\ "1,1) ,"I'd'l r"1 HIl\\'.aI~IIl~'IIIII.d\lf~ \~II' II' Il,c rh'jll'II\11ur\II,IIIII" :111)' rol\~t ,Ifult t'onllthll;lI in Ihl~ ~h"llfll. h"Ullnh'lll. II' lit) "'111') tl( II JIlUfUlI'l1l 1'"fl\/~IlI' 1111\ 131'1'11111> '1\111.1"','111 T1ulw wndill,\nl.lftlhullllllfCl"'ct; (III r,I)' l.~11JI'1 ." 'Ult" IIhllo'h l!It" YoII\lhlll{' IliJt 1I11111,'/ Ihl\ ~\','ufl.) hl\!rulll~1l1 Jllillht N\'llt h..tl no '1,',~I"~IUln '''''IUII~II,lhll!IIlU .", dlo.r.luh ,I( ..n~ Illh~1 ~'I'ICI","I, \lr ,1"WII~nl\; lcll'~)' alt "1'\l"1q\ Intu""d h\ Cnf'Jtl;ln,lhil "'~'lIfl1t hllllUlIltlll, IndVtJlIl', bul rlt"'1 1111I11<11/0. ,u\llII,hlq IUNl\f)" 'fe" ."d (el) liI~t' 'uth '11111.'11 Ii' l.ender may """'Il..hl, uqult, II) ..UUff Ih.1 Ih. Iten Ilf Ihl' S\'.'\JrII) IntIIlHII~III, 1.l!M\tcr', ulhllln Ih. rlllrcllt Inti blltlfJwu', dtlll,,1I11l11 1\1 11,1.' Ih, "JIm 1""\lUIIII) 1111\ t;"'1IHll) IlIlI'l/1Il_1l1 ~h,lll <I(lrI\I!lUf Ullth;ln,ttl, Uj\On reln'II1'",41\' If)' lkHWI4'ff, llll' INlull) Inutun,.,,1 ffolllh. Ill,It,.I1llJll\ \C\'U,clJ hu~\)) ,hall rtllllllll filII) ~1I'~III"'f" It nl) Icc.lcrtllon hid N.:u",d Ihl't$'U, IId\ 'l,hI l\l nlt"I'" ,hall l\ilII"I,I) In Ihfl'a'f l'flli.:tIUIII,H\ undu I'.n'tlphl I)ur 1'7. ,~ IIb1 /)(! Hi NUIrf U"'Ir$~M COVUIMHI u..."o..., and I""d" '1m"., (0"''''1\1 1116 "'" 1\ '(lfhl.' If, Audlt.II"'rI, ".m,4I'4, I....d.' .1'1.111'" Roll" 10 Ito"..., ,rio, tt) 'U,III.lIlln fotlo.I". n"""W"I, ',n,h nfur (GtUt"' 0' "',,m,nlllllhl, SIIIl,II) Inll'''I''''"II\111 nol !1I'11l, 11I.."I,,'lIu" ""'~, ,,'It."i1h,I' Ind I' ....1.11 ,,,Uublt I... "d,Itt,'1 oU"'.IIII. '..n4" 'hili Milly IldUO.., ",. trlllHlI lllhtt '''hIIW 1.lth, lMhlli 1I'llh, Ifllon "\I"",d '" CUt, Iht dfl'"IlII" ..h~n th~ d,hllll ,null bt fIIftlh .nd rdl 11'1111 ,.1111" 141 flU' lh, d'fltult "I \Ilull1f~ "'.)' fUu" I. 'fe'/'rlnO":J' Ih, ,"m, '~tl",d b) Ihlt Cl'C"'''t l"flIllmwnl, '/,IlnlnlUft If. /ud"11I1 p'"utlUnll.,,4 ..,, nf Ih. hll'W), r.tlld~f ,hill '\lll~" In(tI'", IIllt,n." w'th. 'I_hi In ,~Inllfl' .II,t ml'lrtAlllln .nd I~f I'IHhllll'H,Illn Ih~ fo,ul'l,vre pruh,.dl"'lh, nun,ulll'"C'f 0' It d.f.IIU 0' In) nlhrt If,"n"!lf 1111,1(,1""'1" "(I'ln.tllln .Ilid futnlh\UH If thl .",'.ull h IlOI '\I"d It \,l',ln,d, trn~~t III II. u,lIon "'.. 'f'IUII, II"m~"I~h' '~Imlnlln tull 11,.11 tU"'t 'uwh'd b, Ihlt flU'lIt11) I.Huumunl "llhllvl '1oIrllll' d~rtund .IId In,, rutttl/Ju IhI, "ULltll, InlhlllnL'111 ~. Jlllilcl.1 P'Il(u'dln~ I,n!fl" .htll b. rnlllll'd lu 1111I~(I.1I f'p~'ntQtl"cu',~d In PUI'I\lIAlIlh... r~"'~dl" ptlnlth'd hI Inh JlII~"/.p'" 19, ,n(lu!flnt.i, bvl nul lImll.d 10, III11ttlf)t' (Ut'Ad ((UltlJrllll~ "ldt"~, 10 tilt nh'f\l (If,mlllfd hi "'lPII\'_btl'l~tl. JU. I,fnlll" In I'O'H"!!"'_ 1,1'\(111 ..~~.lndllon ulld~, I'Jr,I,',lrh I~ Ht J~Jll(hlllllh'IIII'( Ih\' P','rdq, 1\%10 hll rlfl'IOI1, h) IIf"lllllr") Jlhll,'Jll~ ,Irl1.lllll'lt.i Itl'I!III'/1 ,11;111 h....I'IIII!II.11 III ~1I1~r li(i"'l. I:'~.- I" ""'1"11 ,'I ,11..111'~III.II'I' 1111' l'Illf,(It) ",.d 1"..'1'11.....' Il,~ Hll'l I\rlh~ 111"1".'(t~ 1I1<,'llllll1ll' II""", r IlIlhll' "") 11'!11, <(111111,'(1 tit I ,'11111'1 III III.. 1,',\,11\'1 ,hall hI ,tr,p""t! 1'\1\1 hI 1',I)Illl"1I "C tI'f ,-'I,ll pf tll.IIlJ~""lIl,'\l nf .1,.... 1""1"111 "Ihl "01,-"1,,,,, ,'f t,'lol. l'hhldlll~, hIli 11<11 I,nlll~d 11,1, 'I"""~""'\ '1'" 1"\'lIlIlIlII' ill, ",','1\'(", hlll"h ~IOJ r,.,'.,;rIJ"'.... JII.'IIII') I' ("n, ,lI'd 111:1, I.. Ih, '1.,11\ 1\'111'1'1' II) Ihl\ ~~', U'I') t n,trlllll',',,! JI, Htl"II\C, L',IP)' /,;I)'rnrlllll,..1I \\JIl\~ ~~':u'ei! h\ I"" ~1",IIII) 11'"runll'l'l I \",(t, r ,,11111\ "I\',",II~\' '''t\ ';"\llIh~ IlutIlJIII\'1I1 '1IIh""I.lli-Ir,,~ 10 11,1I1l(\"~' 1l'.Hro'ol.C( ,h,ltl 'I.l~ ,'11~ '~..lIrd,IIIo'n ",\h H, fhi,"IJhft\\'nll'crlod, fl('t'\I...~t'~ Wilt 1(11~;r"r.ll( p'(\lld(J IIl/';lJ,I.',II'" IA ,"-L11 1',1\'1\,' I" \""' IIIIU' IHIIIIIII Iht 1'(\n,"II'Tl"'-IIII':llll;'r~hldllll: ~, ~ \~I'IIIl', \Jlt M Il,hu ~JI( l'ur\l,lJUI ",111", ~.., IHII) 11I.llvnh III J11'u'ch\l\t .'Ion~~ "lIr1Il'l;t, 1("0\ Ilrll,t del.ll ~~..-ur~J h) I till ~(""!1I1 Illlllll'i'.,'lIll\ lt'lIl 1"lhl't,,"''';t III ~'l/'Ilr\' 11111 1,\ lh~ I'I('I'C'I~, Ihl\ ~\'I'IIfI')' 11I\lrUIl\~nllh.1I Ik' "1111;\'1,[1,( U"III~y n\llrfIJ~l' 14 ll\lft~~l n~ll' .\f"r J\.ldllrnCnl, DUlro~~r Jl'r<'t!\ 1/1"1 Ih~ '11Itrl'~1 /;11\' 1\;') .,loft ,1(1", " ,udjtUIWIII ~nh',,,,lllll'lh\' NOIe l'1 ill JII Millin IIf llllllll.\,t 'l"c~'lmutl' Ih,1I1 he ,11~ rdle p,'>JI-I, (1I!111 11)'1\' 1~lljlf,c ulllJlllhc ~~.I~C H, Rhh'IIIJ lhll Sv.ur/l) InllrllH\,nl, If Oil': 01 mille 'Ilkn;m fHl ulnlt-y nll'/lI....~" ~IlJ 1\'("'41,<1 11'~l"Ii\'f Ild,h 1111\ ~c\'utll)- In,lf 1I11l.:nl, Ih~ ~'fl\CIl3fln Mill Jt:re~n1(rllt l,r I,,'~~h IIJ\'h ride I 1tl~U ~( Inwql\llJI\'oJ 1Il1\1 ;lnrj ,hJII UIl$lllJ ,UlU 'UI'III~'IlWII Ih,' nhlln;Inh Inll ,,~h'O\I~nl~ llr Ilu, S('\.lftly lrlllrufll~111 u, I( Ihe ',d~th' "'et~' " r.1I1 IIr Ihl, S(\'llfllr Inut'Jmenl ICh~,'k tlJlpll~~\Jlc bll,,(wl o ^dJu\uhlc Rilr~ I(i(tcl o (In'\1u:II~1I llil)'nltnl RlI.lct OlJlhtf($hpt!l'lf}j o Cflndomllllllm Ridcr o PllT1lIt\1 Unil Ot.,d"~'Il1(nl n 2-4 hUIlI!.' Rnle' Ridcl lh ~11i~lNO ltn (}'oI', DOffOIllH ~el;llF'1I and "teel II} lhe lerm' !Snd ,v'-\'nolnll conhllntd III lhit S\,i;\I'il~ IntlrUlIltll1 .11I1.1 In i1flY liderhl IA(\,uled tlY Uul'tOWC, ~n<J Il:corded lI,ilh II '''' g. ~ W11"l:4 ."rsdiC0PGJ:hC1=- "... . /i: ~),6'~J.".,,, ~~;cty;,q~ii~~~~~~\"" .... """".,,~.l~::l ~.::.r,f(l;:~ll. #:'"-:;IG'~(.}7"."".".""."".,, (SUi) SHARON K, 'tOU'le ,... .. ..tollO"'" ....(:1&~".i.' .l.:c.l" (,'mIW)tOWCJ,llll (IF l'lNN1\LVMilA. .."", ellll"l) H, Un ,hi" Ih(' U,r.h ,,,,,...,,. dll)' of "S,r.PT.Y.H.B2.1." 1I},-i1 .. bdol'c me, "th." 'Ltbu'rt bGt ,,,,,,,N 9_~ n.o'"..f,\,l,bJ1.e" "." 1he undwllMd orn~er, I'wooollly ~J'I"(,oHed JAHtG "A .-".Y(JUN~"'AHD'&II^RON K.I".,X,OUlIQ ,,,,,,,,.,, ."."",,,. ",,,,,,,,,,,,,.,,,,,,,,,..,....,,..,,,,,,,.. "."." known 10 me (or latht."loril)' PI~,I(M,IC,~t Iht ~'mlln,' ,Ylhole nQlllCl, ue , 11Ibleftb~d ll.' lilt y,llluII IfU\tUlllCr\I I,nd IcknOVt-l,lIl,Gd 1I1It! ,'~~H\.~ _, J ~\t~llltd the ",me'OI' Ihe pu'pole, !lertH' eonlllL'ed Jr>:},....::.J/~"~:' . \ ("i .':'-(l'.~" h1~t~~~ 'fllurur, I hettunlo Itl my hind wnd oH.1~~W31 --," I ",' "~,, '"') ~I /' 1l.(J'X" '-l,.U'((,- l ,!) t.'Jf,\m"vr .' ,,," .OOU "lOll, lOll!! IUIIlC /, . 'I' "", ". '" ''',,' '. """"'" "," , ,,' ~ t .', l Il U'Utu '0.0, CUll8ltWlD COll.HY (J ... 't,',..:~ ';'1\:.:',,''.,;- ,/ ,,, eO,.ill$S"N (JPlUl IXI. ,. It" '\'"'''''''''' . ..,'"t;;;.\ii'i.Iii,c',;"'. '.....,,,,,,,,,,,....,,....',,,, I" 1Y" f\\"'.."" " "~"~I , "I"~'~';llf)' Ih~1 Ihe J1~ed", pl.u or bVW1W or ll,c wilhln nMmtd Mort~II'u II '" TWlnln, Raid, O'tlh\'" Penn\)'h'onl" 190~' nil .,11, h.."."..."". d,y or ,.,uPUHJn.."". . 19,,81,. L~ ""'''''.'~tfl''.~~i~;,~~I)~~O.li/O.9;>::y:~~. . ",( OIlOIP In Ih~ n(fir. for Resolflh11 of Oeed, il\'fjd ).." ",.'n-.."ll .~' """..".. " 'fJ!.'J1"'~""I\":\1 ~< N . Il J , ~I'. - '. "'~"'~ In Mon,.,. 0001 "'.'''''':.'Cl- 'p).":.~",.",,, "'1'''.. ,,,. .",' "'\ ~ ,...:",., D,.. . ."",.,." ".,,,,,.,,.,,,.,,,,,,, .".r.~,...,J"I" ~"u,d" ""."".. ".,.... .........,..",..., \j I' t 'I '1,. I). .:./., I, .':, ",I ,r ;;',,,,;, " ,.., I" , ,', " fro. 'J . " ',.. ' I,x,"" " '" ,.,.~."" 1';'.1 ..,,'"1# #" ' t" . . I =;..:j:';.....,I. , ' aGG! b~l tit[ 1Mi " ,. ~ , . .. . . ...~.~ ..~.,...~ "~ ,"4'.."___,-" ..." ... ". ~,... ",., ,.....'. .~~. ,t".. , \:~". ,..,." .', e~"(\ ,~'\ \,O'I\I~~)~ ~\'" , \\''',Jfl~~~\~"i'\~ 6 ..\ ..~' ~~~v. .~".\\'O.i~' ,..,........ . r \\lot\ .' e.,,\\lo\\'-'I; .' .,' "l'.... '> t,' . .~t!>' .."\,,.'" ....... '. ""' ~~" (I' .' ,,,.' ,...... , ...... \' \,\>' 1'\\' ote' 0\'" ,,' "." ,.,' . ,,' ",,, "" ." .".'., ,." . "' . .' ."d . .'.' ,. "" . .., ,.' ,." ,.' ., ,"\ ,...... .' "'"" .', ,..,. ,..". .<.." ." . . ", " .'.' " " , ., "." ",,, , ". ".., .' " . ,,>' " ,>.' ."" ..,' ,,,,". .,' ." .,.. . ," ,<>' " ,..,. ,,' ".,','., '''" ." " ,.",~ ..,,<,., ';.' .' ,>>' ,,' ..' '~,., ';~,.' ,.' ',,,' .;, ,.....',. ,., .... .' , ",." .", ,"., ",~";",""",, "" ';; ,.,',.~..", ,0" ~.", ' \l.(I I:,t,'l ,\0.\:" ~,~.\lo \,\,\1'> j,'IO'leo. \, ,\\0\;;. ",I'\':'\\/~ ~..c\.\\j''h \' (j'\ .."' \,~\' I CO '>. ~\le 00".1' ,'-) \. o.,,'l ," .' ,..' .,.,.. ,',. , ' ".., ' "," ," "" . ,..' ..' ,..< ", ,." ", .,.~ ;. ,~.,~.;",""L,'" "~o' "o,~;~" ,:~ ,.." ." ,~:~, , ""'~:. , , ....,.' """ ,,''',' ", " . .' ." ,.., ,..'" 0' " ""... "" ,.." ,.,., """ '\ 'W.l..;:I\ \\ ~~ ," . ,.,l .'" ,,' ,.' , ' .,." .." .., ." ,,' ,.' ".... ".,., ,..., ."" ", """,,., . .."." .. "" ", . .' ,..' ,..,0' o ,\ \'~' 0'" \~0" 1:.""'" ;... \)I'u .,\101"; \'<~'" l i\. \1\ ~~I<'<~ ."eo;, ~~,.o ,,0("< ,~"''\.<) (IV ....'" i\. ("~ 'l~~ ~~;\\\c, ,\I'>h ~\\ i\. "o'\~~ \~ \ ~ ~" t\. \ (1\\\.'" l'o"~~ \,..~ ~( t.~.e \,1 te'- 'l.\'>\ .,\\" ~~\\ 9~ ~ C ~\\,. 'l>~\\\ ' ~\l'll~~C't '\.0 \l~~~~ """ ,.' ''^' "", ,.:<; ~'(-' ,.,' ,\" ..' ,," ," "" .' \l.O~i\.' \\\0 ~~~ t\~"'\.. .'\.e."'" (,0' t~' 0\ ("~o 'Q..t 00 \\'Q I' i o JJ\.4U (~!.! l~ J" U 1 ._~gal.1, I? A . DATE:.f?:/1~ :_V"~! ","1'" C. S',.'" (I922,in6) VIA CElrnFIED MAIL lWTJIRN RIlClllPT REQUESIllL! JAMBS A. YOl/NO 2151 NI.lWVILLn RD, CARLISLE, PA 17013 RE: IWSOLUTION TRUST CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N.A, Loan No. F8502731801 Properly: 2[51 NEWVILLE RD, CARLISLE, PA 17013 ACT 6 NOTICE NOTICE OF INTENTION TO FORECLOSE THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT, THIS NOTICE IS SBNT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE, The MORTGAGE held by RESOLUTION TRUST CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N.A. (hereinafter we, liS or ours), on your property located at 2151 NEWVILLE RD, CARLISLE, PA 17013, IS IN SERIOUS DEFAULT because you have not made the following payments Regular monthly payments of $492.86 for the months of AUGUST 1, 19~7 through today's date (DECEMBER 25, 1997) 9.75% lnterest from July 1,1997 through loday's date (DECEMBER 25,1997) Late Charges from AUGUST 1,1997 through today's date (DECEMBER 25, 1997) $2,464.30 ~796. 74 $113.20 ,..,1"00.... . w .........- $3,374.24 cure this default, or in other words, gel caught up in your payments, 374,24 POIlIge C.nIfledFe. $ within TH/RTY (30) DA YS, of the dale of this leller, by paying to us Ius allY addltiollalmonlhiy payments and IlIte charges whlcll may fall :ontaclllle undersigned al 609.784..8220 to delennlne what /Qle charges are due during Ihls period, Such payment mus be ,ck, certified check or money order, and made at: reet mber 011 Ice, III., PC. Sjltdel OoI.ery Fee Aellllt1ed Delivery Fee I Allum Rectlpl Showing 10 ,.. Whom&; 01" DeIYlrld '; RlunAooe\l48i'<M1'obv.llom, i( Doll & AddI.....~ W... g T01AL POIlIg. &Fee.' $ . Pll o.lm.11l o,.to ~ ! 0JW.P~ O~l~n3 SPEAR & HOFFMAN, P.A. )34 LAUREL OAK ROAD, SUITE I VOORHEES, NJ 08043 ult within THIRTY (30) DAYS, we Imend 10 exercise our right to :~~@F;S_lt'~9~W'F (!fu~r'd!/i.m~h,eAui~8!18Qlb . II Voorhe..s, New Jersey 080431 (609) 784.8220 I Fax (609) '184.8322 :nsbuty, ConnccllClIt 06089 I (860) 408.6125 I Fax (860) 408-6127 "4;>~;":~',:-;' .~ .. (~\ A .,,1 bllrrowcd 11'111 hc considered due Inllllcdllltely alld YOUIllIlY losc thc chllm'c to pill' off the originlll Illorlllllgc Inlllonlhly Installmcnts, If full pllymclII of lhc IIllloUnl of dcfauh Is not made withlll THIRTY (30) /)A YS, 11'/' al.m IlIlell(/ /0 ,!/arl a lmY.I'ullto fon'do,lt' YOUI' lIIol'Igllged property. 1/ Ihe 1Il0rlgage 1,\' fOl'edoud, your mortgaged prop('l'Iy will /1<' .\'Old by III<' .W/I'riff 10 pay off IlIe MOl'lgage debl. If 11''' refcr YOllr cuse to our nllorneys, hUI you cure the dcfllllh heforc Ihey bcgln lcgal proceedings againsl you, you will sllll have to pay the rellsonnhle allOl'ney's fces, IIcIUlIlly IlIcurred, up to $50,00, However, If Icglll proccedings arc slartcd IIgllillSI YOll, you will havc to pay Ihc rCllsonable allorney's fecs cvell if lhey lire over $50.00. Any allOl'II"Y's fe('8 will hc added 10 whatever you owe us, which may nlsolnclude our reasonllble costs. If you ('U/'(, Ihl' dt'li/llllll'illlil/ 111(' TII/RTY (.10) DA Y period, you lI'illl/OI /1<' l"I'quir<!d /0 pay aI/oriley ',I ji'<'.!. We Illny also sue you personally for Ihc unpaid prindpal balance and nil olhcr sums due undcr the Illorlgage. If you have not cured the default within lhe THIRTY (30) DA Y period and foreclosure proceedings hal'e begun, you still have Ihe rigllllo cure tile default alld prevelllllle sale 01 allY 1111I1' up to 01/1' lIour before tile SlIeri/f'sforecloliure ,fOIl'. Youlllay do so by paying IIII' 10101 amoUfll oflhe ul/paid momMy paymellls plus any loll' or oilier charges 1111'1/ due, as well as IIII' reasonable al/ortley fees "lid COSI.! connecled wllh Ihe forecloSllre sale [al/d perform allY otller requirelllell/s under Ihe lIIo/1gagej, II is estimated that the earliest date thai such a Sheriff's sale could be held would be approximately 5 months. A notice of the date of the Sheriff sale will be senl to you before the sale. Of course, the amount needed 10 cure lhe default will increase the longer you walt, You may find out al any lime exaclly what the required paYll1el1l will be by calling us or our allorneys at (609) 784-8220. This paymentmusl be in cash, cashier's check, cerllfled check or money order and made payable to us al the address slated above, You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain inil.. If you continue to live in the property after the Sheriff's sale, a lawsuit could be slarted to evict you. You have additional rights to help protect your inlerest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUfION TO PAY OFF TIDS DEBT. YOU MAY HAVE TIlE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTG~GE DEBT, PROVIDED THAT ALL THE OUTSTANDING PA YMENl'S, CHARGES AND ATtORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. YOU IIA VE THE RIGHT TO HAVE TIDS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If you cure Ihe defaull. Ihe mortgage will be restored to IIII' same posi/ioll as if no defaull had occurred. However, you are not entilled to this righlto cure your default more than three times in any calendar year. Sincerely, ~~ ~..... , ~-- J :h~qUire . 0~t:ar anct .l-Jot'lnan,I?A. DATB:#l 1,""'. r,' l ,:,",j In'I", C, SI'oor (1922,1976) VIA CERTIPII.!D MAIL lWIllBN RBCElPT REQlI.llSlllU SHARON K, YOUNG 2151 NEWVILLE RD CARLISLE, PA 17013 RE: IU;SOLUTlON TRUST CORPORATION AS RECEIVER POR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA. N,A, Loan No, P8502731801 Property: 2151 NEWVILLE RD, CARLISLE, PA 17013 ACT 6 NOTICE NOTICE OP INTENTION TO FORECLOSE THIS PIRM IS A DEBT COLLECTOR A'ITEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INPORMATION OBTAINED PROM YOU WILL BE USED FOR THAT PURPOSE, The MORTGAGE held by RESOLUTION TRUST CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OP CAUFORNIA, N,A. (hereinafter we, us or ours), on your property located at 2151 NEWVILLE RD, CARLISLE, PA 17013, IS IN SERIOUS DEFAULT because YOll have not made the following payments Regular monthly paymen~ of $492.86 for the months of AUGUST 1,1997 through today's date (DECEMBER 25, 1997) 9.75% Interest from July 1,1997 through t)da'y's date (DECEMBER 25,1997) Late Charges from AUGUST 1,1997 through today's date (DECEMBER 25, 1997) $2,464.30 $796.74 $113.20 , TOTAL DUE $3,374.24 Z 452 779 429 US Postal Service Receipt for Certified Mall No Insullnce CoverlO. Provided, Do nol use for Inlernollona' Mall See ,everse o cure this default, or in other words, get caught up in your payments, 174.24 011 ,lite, ZI . within THIRTY (30) DAYS, of the dale of this letter, by paying to us Ius any additional monthly payments and late charges which may fall 'olltact the undersigned oJ 609.784.822010 determine what lale charges are due during this period, Such payment must be ck, certified check or money order, and made at: PotllllO Cerllftecl F.. Spod~ D.llvelY F.. Aeltridecl Deivel'/ F" ~ Rtlum _pi ShowWlg 10 ,.. Whom. Oil' OtMvtrtd 1 =-&=~I\b>n: I. () g TOTALPotIIlIOlFe.. $.;1..7 7 l..tl1l1~or ele YOW') ~ ~1+1(, ~ (\4~ $ ,3:7 1',6~) SPEAR & HOFFMAN, P.A. 134 LAUREL OAK ROAD, SUITE I VOORHEES, NJ 08043 ult within THIRTY (30) DAYS, we iII/end to exercl~'e our right to :oTA1~~f~llA\th"~I~'6cr(~g,_:ffi9lM{i_ ~~ II Voorhees, New Jersey 080431 (609) 784.8220 I Fax (609) 784.8322 1Sbury, Connecllcul 060891 (860) 408.6125 I Fax (860) 408-6127 .of..... ,.",..",."'''''\''''--,.'.,,'' " .. ('\ \" .' o horrowed 11'111 he con~idered due hmnedlalely and you 1ll1lY lose Ihe Chll!1ee to payoff the orlginlll lIIortgllge InlllOluhly Installments. If full pllymenl of the amounl of default Is not Illllde wllhln THIRTY (30) DAYS, we also ill/elld /0 J.tart a law.l'lIil/O fo/'('('Io.l'e YO/lr /l101'/1If1ged property. If IIII' II/orlgage Is jiJre<.'lo.fl'd, yourll/ortgalled property lViII be .I'old by the SlIerllIto pay off'/lIe Mortga/le debl, If we refer YOUI' case to our 1I110rneys, bUI you cure lhe default before they begin legal proceedings agaln.QI YOll, you will sllll have to pay the reasonable allorney's fees, aClually incurred, up to $50.00. Howevcr, if legll.1 proceedings are started against you, you will have to pay the rensonahle allorney's fees eVen if they lire ol'er $50.00, Any allorney's fees will he added lO whalcvcr you owe us, which may also Inclllde our reasonable cosls. If yo II cllre IIIe d,,/allll willlilltll,' HURTY (.W) DA Y p<!riod, YOII will II or b(! rl'qllired 10 pay allorll<'Y'.I'fee.l'. We Illay also sue you personally for the unpaid principal balance and all other SUIllS due under the mortgage. If you have nol cured the defaull wilhiulhe THIRTY (30) DAY period and foreclosure proceedings hal'e begun, you ,lliII have tile riglllto cllre IIII' defaull alld prevell/llle sale at fillY tlll/e lip 10 olle 110111' before IIII' SlIeriff's foreclosure sale. YOII may do so by payillg IIII' /0101 amOll1l/ of Ihe IIl1paid mOll/hly paymell/s plus 011,1' loll' or oilier cllarge.! IIII'll dill', as lVell as IIII' rea.wllable aI/Oriley fees alld cosl.1 COllllected lVilh Ihe foreclosure sale [alld per/onll allY oIlier requiremell/s ullder tile /IIortgage}. It is estimated lhatthe earliest date lhat such a Sheriff's sale could be held would be approximately 5 months, A notice of lhe date of the Sheriff sale will be sent to you before the sale. Of course, lhe amOUnl needed to cure the defaull will increase the longer you wail. You may find out al any lime exactly what the required paymenl will be by calling us or our allorneys at (609) 784-8220. This paymenlmust be in cash, cashier's check, certified check or money order and made payable to us allhe address stated above. You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in il. If you continue to live In the property after the Sheriff's sale, a lawsuit could be started to evict you, You have additional rights to help protect your lnlereslln the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE D.EBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAYOFF TIDS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND A1TORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WIIAT CIRCUMSTANCES TIDS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If YOII cllre Ihe defaull, Ihe mortgage will be restored 10 Ihe same posllioll as 1f'1O defaull had occurred. However, you are not enlitled to this right to cure your default more than three times in any calendar year. ~' '~ Ri ardM.Nels~~ ,. Lilli' VI/ICes .. Snear and l:loA;nan, l~A. l~__._~._______.___~. .L___~_________ DATE: fz(xi~"7. o irvin. C. Sf'''.r (f9~2. /976) Y1A REGULAR MAlL SHARON K. YOUNG 2151 NEWVILLE RD CARLISLE, PA 17013 RE: RESOLlJTION TRUST CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO HANKERS TRUST COMPANY OF CALIFORNIA, N.A, LOlllI No. F8502731801 Properly; 2151 NEWVILLE RD, CARLISLE, PA 17013 ACT 6 NOTICE NOTICE OF INTENTION TO FORECLOSE THIS FIRM IS A DEBT COLLECTOR A TIEMPTlNG TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATIEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE, . The MORTGAGE held by RESOLUTION TRUST CORPORA nON AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N.A. (hereinafter we, us or ours), on your properly located al2151 NEWVILLE RD, CARLISLE, PA 17013, IS IN SERIOUS DEFAULT because you have not made the fOllOWing payments Regular monthly paymcnts of $492.86 for thc months of AUGUST 1, 1997 through today's datc (DECEMBER 25,1997) 9.75% Interest from July i, 1997 through today's datc (DECEMBER 25, 1997) Late Charges from AUGUST 1, 1997 through today's datc . (DECEMBER 25, 1997) $2,464.30 $796.74 $113.20 TOTAL DUE $3,374.24 The total amount now required to cure this default, or In other words, gel caught up In your payments, as of the date of lhis lelter, is $3,374.24 You //lay cure Ihis defaull wilhln THIRTY (30) DA YS. oflhe dale of this leller, by paying 10 us Ihe above 0//101111I of $.~, 374.24, plus any addit/ollOl monlhly paylllellts and late charges which may fall due during Ihis period You must eonldet the undersigned 01609-784-8220 10 delennitle what addiJional monlllly payments alld /ate charges are due during Ihis period, Such paymenl must be made either by cash, cashier's check, certified check or money order, and made at; SPEAR & HOFFMAN, P.A. 1034 LAUREL OAK ROAD SUITE 1 VOORHEES, NJ 08043 It' you do not cure the defaull within THIRTY (30) DA YS, we illlelld 10 exercise our rlghl to acQIBrAII1(]h~l/IlJ1JMIII@,WM9IF cOfelt!llR~'ldlf~~\<<iiiFf ~f.W'J9g.219~M{lllJB~1 g/?6?9W3 II N1/PA: 1034 Laurel Oak Road / Suite 1 / Voorhees, New 1ersey 08043 / (609) 784.8220/ Fax ((109) 784-8322 Q CT: 237 Hopmcadow Slfcel / Slmsbury, Conllcctlcut 06089/ (860) 408.6125 / Fax (860) 408-6127 ... ,~ ~' J , o borrowcd will be consldcred Iluc immediluely and you may lose the chalice to pill' off lhc orlglual morlgage In monthly lnstalhncnts. If full pllyment of the amoUIll of defllultls not made wilhlll THIRTY (30) OA YS, we also ill/elld 10 j'llIrtlllaw.I'lIll10 jiJreclose YOllr I//ol'lgaged propelty, If 111/' lIIo)'/lIlIgl' i.I' foreclo.red, YOllr mortgaged property will be .mld by IlIe Slrerlff 10 pay oJ! tIll' Moltgage dl'bt, If we refcr your case to our atlorneys, but you cure tlu.: default before lhey heglnleglll proceedings aglllusl you, you will still have 10 pill' lhe rcasollllble altomey's fees, actually IIICUl'l'Cd, up 10 $50.00, Howel'er, If legalpl'Oceedlngs arc slar/cd against YOII, you will have to pay Ihc reasollahil' IIll0l'lley's fees even if Ihey lire over $50,00. Any atlorney's fees will be added to whalel'el' you owe us, which mill' also iucllIde ollr rcasollJlble costs. lfyolI CII/'e Ihe dl!fllllll wilhillllle 11I/RTY (30) 1M Y!,eriod, YOII will 1/01 hI' reqllired 10 pay al/omey'sjl'e.I', We may also SUtl you pcrsonally for lhe ullpald principal balance alld all olher sums due uuder lhe mortgage. If you hal'e not cured lhe default within the THIRTY (30) DA Y period and foreelosurc proeecdlngs have begun, ,1'011 sllll have IIII' rigllllo cure Ihe defaull alld prevell/lhe sale (/1 allY lime up 100111' 1I0llr before Ihe SlIerlff's foreclosllre sale. YOII mllY do .1'0 by payillg IlIe total alllollll/,of IlIe ullpaid mOil/My paYl//ell/,I' pIllS allY loll' or oIlier charges IlIeJ/ dill', 0,1' well 11.1' the rell,rollable III/omey fees alld costs cOllllecled willi IIII' foreclosure sale [al/d perform aJ/Y oIlier requil'.mwlI/S IIl1der the I//ol'lgagej. It is eSllmaled that the earllesl dale that such a Sheriff's sale could be hcld wOllld be approximately 5 months. A notice of the date of lhc Sheriff sale wlll be sent to you beforc lhe sale, Of course, the amount needed 10 cure lhe default will Increase lhe longer you wall. You may find Ollt al any time exaelly what the required payment will be by calling us or our atlOl'lleys at (609) 784.8220. This payment must be in cash, cashier's check, certified check or money order and made payable 10 us at the address staled above. You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your rlght to remain in it. If YOll continue 10 live in the property after the Sheriff's sale, a lawsuit could be slarted to evict you. You have additional righls 10 help protect your interesl inlhe property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF TIlE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OF,F THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL DR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, . AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SATISFIED, CONTACT US TO DETERMINE UNJ)ER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If you cure Ihe default, lire mortgage will be reslored 10 Ihe same posit/all as if I/O defallll had occurred. HOIVel'er, you are not entitled to this rlghlto cure your defaull more thanlhree times In any calendar year, -Jjce~eIY' _ - ....., ~" ( ----- . Aa on, squire SLaw Ul/ lcel; Qe~.a~lc1Jjo15hH}!), li:'. .DATE:_f!f1.t4~'1 f) ". Irdllc C. sll~'ar (1922.19./6) , VIA RBOllLMl..MAIL JAMUS A. YOUNG 2151 NEWVILLE RD CARLISLE, PA 17013 RE: RESOLUTION TRUST CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N.A. Loan No. F8502731801 Propcrly: 2151 NEWVILLE RO, CARLISLE, PA 17013 ACT 6 NOTICE NOTICE OF INTENTION TO FORECLOSE THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HERBIN AND ANY INFORMATION OBTAINED FROM YOU WILL DE USED FOR THAT PURPOSE. The MORTGAGE held by RESOLUTION TRUST CORPORATION AS RECEIVER FOR THE ASSIGNOR, TO BANKERS TRUST COMPANY OF CALIFORNIA, N.A. (hereinafter we, us or ours), on your properly loealed at 2151 NEWVILLE RD, CARLISLE, PA 17013, IS IN SERIOUS DEFAULT because you have nol made the following paymenls Regular monthly payments of $492.86 for the lOonths of AUGUST 1, 1~7 through today's date (DECEMBER 25, 1997) 9.75% Interest from July 1, 1991 through tOOay's date (DECEMBER 25,1997) Late Charges from AUGUST 1,1997 through today's date (DECEMBER 25, 1997) TOTAL DUE $2,464.30 $796.74 $113.20 I I ~ ; , ~' ~ I ! , \ l' $3,374.24 The total amount now required to cure this defaull, or In other words, get caught up in your paymenls, as of the date ofthj~ IClter, Is $3,374.24 You may cure Ihls default wilhin TllIRTY (30) DA YS, of Ihe date of Ihis leiter, by paying 10 us the above amounl of $3,374.24, plus any addilional m01llhly payme1lls and loll' charges which may fall due during Ihis period You must conlacllhe undersigned at 609-784-8220 to determine what addilional montllly payments and lale charges are due during this period, Such payment must be made either by cash, cashlcr's check, certified check or money order, and made at: SPEAR & HOFFMAN, P,A. 1034 LAUREL OAK ROAD, SUITE I VOORHEES, NJ 08043 If you do nol cure thc defaull wilhin THIRTY (30) DAYS, we il/lel/d 10 exercise our righllO accelerale Ihe mortgage paymel/ls. This mcans thaI whatever is owing on the original amount b<G<ll!ed]!lIiijdlltn:_ffiifj\~ fi~/ls,llflfttfaJl:lY/lr6IPtfo9J'66115 ~i~3W; ~~~31"al au NJ/PA: 1034 Laurel Oak Road I Sulle II Voorhees, New Jersey 080431 (609) 784-8220 I Fax (609) 784.8322 o Cl': 237 Hopmeadow Street I Simsbul)', Connecllcul 060891 (860) 408-6125/ Fax (860) 408-6127 J , { I . ......-~.-, "1 ..... ".... . . (.30 .. " "" . ' b. >. ''"'" ""'#f .c-. /ol'ec.' . '''e {(lro , l11e/l/s. lffj , I 'o,/'et1. ''''elld t. II/J Pa refer ' Yo",. 1110 () SIOI'I q t :Y1IleIl1 of 1 ,. ''''' .... '''' .....'" Pr...., "'."0/",-.' " """" "f " ". ,'. "Df '" "Of"""" b ~ "If", '<Vd t r"" "'", '.., """f", "" '~':,,:::i:~'f'::::;,:;:.';' '::;;:';;,:,::: ;;:.:;, 1:;;~;; ~':;.~t:'",,';.~.:~:~. "'fO,.,. ".,."" I,.,.' "'..... ISO 00 .. '"'''''''1''' "'"" f",. "I, ~Y "'eJ. ''''p:f'lj>ft.fe deb,. If ::.fe I./' '. If. 't , "" · '. ,," , . .", ,. '''n"", "o,"'f , o 'e I'e'llt"I"'d 10 casO"able c()Yls l/"torlICY'S'fec; W/~ I"ill lIape 10 P rred, lip 10 $5000 IIOS a011i".y/ ,"y...,...: . y", "",,' ". -, 'Y "" "'"'' b . . II< , ., /'" " d.,., '. """ '0 I.." '. , '" '4 . "" ""hI'M '>0, J"" ""v. ...,~",. . '.. '''' Po"'" "I " 77"~7> aO) ;'''' ", ""., . Yf" fI" , . ". p,.d,", , If ".." I'"" . . J '" p"""". ,"" b", "" "1.1 '"'''' . " "''' '0." b", "'... "'''d 0, """ .. . '"" "I ''"" "'''' .""'d 0, "'Ib". ... '" ':'.:: "If "" fA '0" fI" >/fJp_.. . d" """" "",., ~"'" ." q 'w., " , OOJ; .1>"",,, '" ~ '"YO,,,,, /{ '''''",.,. " '., '4,,,' '^' Po'" """",-" ;7;;"'...,.":;,,,~;::> /q" ... .,:':;, '" '''No ;::;:, 0,. p,~,:: ;~" f""I",,, '''''''"'"01'', S "I ""lot n."., Ib,,,,,,,,,, 'of, (,""" "".t." ~ '"Y/{<r U"'" r "'I, 0' "'0 '/{. ;,:;::. " .,"'::."'. '''''f: :;;'"- d.., '.:::::["<1'"",, .;. :;:U ., ", ,;:,,;:,....... 0/... '", .;::,' "':~:~':::.7~'.."":::.;::p~. d,~.~:'.:;~ ~~:bo;:" ~~":;f Zk ':;'7:::::::..::::::;,:"'" ' "".... '01", .: "' "". ""'k,~. "'Ii bo b, :;,,, "" I,..~ Y: "'''' .. "'" bot. .,~ bo '0. '"'",. '~f/fku · ... '" .. "', ,," ''''. > "" .,:" "" "k. 01 ;;.";,; ~:,':' '::Z ~~ f/,. · """ill' "'"' .. '''''''' ,::J.'::;. ::.:::t,~"'.:.. ...", " ..., . f.", .... ' '. "'. '''d 'Y.b. .. ~ CI YOI1. l/lIe 10 lipe i" Ihe YOllr olp"erslli 0'0 > '" /0., · P"""'Y.r;" . 'f"" "". . ""SJ!';,~O 8lt4. ~'"';I figb. " bo, "" "'"'"",. ::-:1""'" .. 1'/fJ..9/)',. · '0 SOo. ~O~,. ! "'~"I ''''' . , ....b 811>> ~ ";1J1'. I'i "-<<OW lI1oJV, . 0 OlJ,/: '''lei'esl i > "~..o > 0':....'4'" '> PO"" "'v~1t; "0Ni?> :;.g'!''''''''''' >OQ . C:::''':.~'''''O~Oii'i'G.tos ~ ",0'", ,,,::'~OI.eNb%'? Opp '1iJt Ai'::;,"'"", """ - "'vb ..or, '>10", ' D'%,O <.L O~ """ ""","", '''''00 C""'~~'1Ii< ~~~'. ~> -<4~:~, ~ '::::O~::: 0,. -~:} >OQ ~ ~~ ~ ~ ':- _"II> ~~It;G _,~~""" ''-''>NO ON tOIlil "::iii' '" ~ ~ > C'OC:::"OO""o.";:;;~,,;.;: 04t "Yo_ 'l<<LF, "" b....."', ..""'" '>Ii.. "'''.""" >; ~'"h.", .. ........, do< CQ~ "10"" Ai' . "."d. . "''''..... .... ........ S > "'v'; ". .G"" ' ''''. ''''' .. .... , . """"11 b "IiII.J l/llIled 101111. ,e resIWed 10 S rlgllllo Cllre 'he Sftllle POsit.' YOl1r defallll 1011 Qs (j' "0 1110rc I/Ia" t~ d%IIII hOd '"ee IiI11 eSIl/al/y '.".. J SIncerely, '-D. 1?Ic'r~ it A, ".elso" b: , '"89111re Law Offices · SRear and I-Iof~an, P.A. (') Irvl.e C, SI"'.r (1922.1976) ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME .FROM FORECLOSURE THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN A 11'EMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. THE COMMONWEALTH OF PENNSYLVANIA'S HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM MAYBE ABLE TO HELP YOU. READ THE FOLLOWING NOTICE TO FIND OUT HOW THE PROGRAM WORKS. IF YOU NEED MORE INFORMATION, CALL THE PENNSYLVANIA HOUSING FINANCE AGENCY AT I (800)342-2397, LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTlNUAR VIVIENDO EN SU CASA, SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION IMMEDIATAMENTE LLAMANDA ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGlBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SAL V AR SU CASA DE LA PERDlDA DEL DERECHO A REDIMIR SU H!POTECA. ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ THIS NOTICE. YOU MAYBE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS o FL: 708 Soulh Dixie Highway I Coral Gables, Florida 331461 (305) 666:22991 Fax (30~) 666.9503 IIlI NJIPA:10341...aurel Oak Road t Suite II V(lOrhccs, New Jcrscy 080431 (609) 784-8220 I Fax (609) 784-8322 o CT: 237 Hopmeadow Slrcell Slmsbury, Conncclicul 060891 (860) 408.61251 Pax (860) 408-6127 " (,.<\) Your morlg..ge Is In defaull beculIse you have failed 10 pay promptly inslallmonls of principal and interest, as required, for a period of atleasl sixty (60) days. Tho totnl nmount of the delinquency Is $2,9~7.16. Thnt sumlne/udes thl' following: I'ogulnr monthly pnyments of $492,86 for the months of AUGUST I, 1997 t1l1'ollgh todny's dole, plus monthly Inte chnrges of $ 113.20 for the month.~ of AUGUST 1, 1997 through todny's dote. Your morlgage Is also in defuuh for lhe f(Jllowlng reasons: n/a If you have tried and are unable 10 resolve this problem al 01' after YOUI' fuce-to-face meeting, you have the right 10 apply for financial assistance from the Homeowners' Enlllrgeney Mortgage Assistance Fund. In order to do this, you musl fill out, sign and file a complcted Homeowners' Emcrgoncy Assistance Application wilh one of till. designated eonsumcr credit counseling agencies listed on Ihe auachment. An applieallon for asslslance lIlay only he oblained from a consumer credit counseling agency, Thc COlLlumer credil counseling agency will assist you in filling out your application and will submit your completed application to the Pennsylvania Housing Finance Agency, Your applicalionmusl be filed or postmarked within thirty (30) days of your face-lo-face meeting. II is eXlremely Importall//llal youjile your applicaliol/ promptly. If you do 1101 do so, or/fyolI do lIolfollow the OIlier lime periods set forth il/lllis 11'1/1'1', foreclosure may proceed agaillsl your home immedialcly. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. Ilis eXlremely imJlortant that your applicallon Is accurale and eomplele in every respect. The PemlSylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your app.lication, During that additional time, no foreclosure proceedings wlll be pursued against you if YOll have met the time requirements set forlh above. You will be notified directly by that Agency of its decision on your application, The Pennsylvania Housing Finance Agency Is located al 2101 North Front Stl'eel, Post Office Box 8029, Harrisburg, Pennsylvania 17/05. Telephone No. (717) 780-3800 or 1-800-342-2397 (loll free number). Persons with impaired hearing can call 1-800-342-2397. In addilion you may receive anOlher nOllce from this lender under Act 6 of 1974. That notice is called a "Notice of Inlention to Foreclosure". You must read both notices, since they both explain rights that you now have under Pennsylvania law. However, if you choose to exercise YOUI' rights described inlhis nOllce, you cannol be foreclosed upon while you are receiving thaI assistance. Very Iruly yours, IZ(;C9(~) Rfchard M. Nelson, Esquire Attachment , .' ...., I I 1.-'" ( l Your mortgage is ill default because you have failed to pay promptly Installments of principal and lnlerest, as required, for a period of at least sixt), (60) days. The total alllount. of the delinquency III $2,957.16. That SUIII Includes the followlug: regular monthly payments 0($492.86 fo(' the 1II0nths of AUGUST I, 1997 through today's datc, plus 1II011thly late eharge.~ of $ 113.20.for the months of AUGUST 1,1997 through today's datc. Your mortgage Is also In default for thc following reasons: n/a If you have lried and arc unable to resolve this pwhlemlll or after your face. to-face meeting, you have lhe right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance FlInd. In order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application Wilh one of the designated consumer credit counseling agencies IIs1ed on the attachment. An application for assistance may only be ohtalned from a con.~umer credit counseliug agency. The consumer credit eOllnseling agency will assist, you in filling out your appllcalion and will submit your completed application to the Pennsylvania Housing Finance Agency. Your applleatlonmust be filed or postmarked within thlrly (30) days of your faee.to.face meeting. It i,1 eXlremely important 1"01 you file your application prampl/y. {(you do 1101 do ;0, or if you do not follow 1"1' other lime periods sel forth in Ihis 11'111'1', foreclosure may proceed against your home immedlalely. Available funds for emergency m0l1gage assistance arc I'ery limited. They will be disbursed by the Agency under the eligibility criteria eslabllshed by the ACl, It is extremely important that your application Is accurate and complete 'n every respect. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives YOllr application. During that additional time, no foreclosure proceedings wlll be pursued against you if you have mellhe time requirements sel forth above. You 11'111 he nOlified direotly by that Agency of Its decision on your appliealion. The Pennsylvania Housing Finance Agency is located at 2101 North Front Street, PoslOffice Box 8029, Harrisburg, Pennsylvania 17105. Telephone No. (717) 780.3800 01' 1-800-342-2397 (loll free number). Persons with impaired hearing can call 1-800-342-2397. In addition you may receive another notice fromlhis lender under Act 6 of 1974. That notice is called a "Notice of Inlention to Foreclosure", You musl read both notices, since they both explain rights that you now have under Pennsylvania law. However, if you choose to exercise your rights described in this notice, you cannot be foreclosed upon while you arc rccell'ing that assistance. Very lruly yours, C:Zc /)~. ~ \ ,.-~/(l( .2...,,:>/ I....:."\.... l- -" .- Richard M. Nelson, Esquire Attachment ~) ~ r ~ , ~ ~ (,~ \Jl .. ~ i.' \'-. l-~ ~ ~ 11 '. ~ (',~) i /r) I , ,. " ii', ~ ~ I'() C),.. ... ~ I' cV .......... ~ llil (...} N L..'{ C' (, V") I .~.- ~ I' (Y-' ) ~ ~ ~ (. {~ \ , ' \~ \::Jl ~ I 1/ r . .n- N (' ,I. Resolution Trust Corporation liS Receiver for the Assignor, to Bankers Trust Company of California, N.A. -vs- James A, Young and Sharon K, Young United States of America In the Cou:t of Common Pleas of Cumberland County, Pennsylvania Michael E, Barrick, Deputy Sherifl~ who being duly sworn according to law, says on Jllnuary 12,1999 at 2:02 o'clock P,M. E.S,T., he posted a copy of Real Estatc Writ Notice Poster and Description, on the property of Jamcs Young and Shllron Young located lit 2151 Newville Road, Carlisle, Cumberland County, Pennsylvania according to law, Brian Barrick, Deputy Sheriff, who being duly sworn according to law, says on January 14, 1999 at 7:23 o'clock P.M, E.S,T. he served a true copy of Real Estate Writ Notice Poster and Description in the above entitled action upon one of the within named defendants to wit: James A. Young by making known unto James Young at 98 Beetem Hollow Road, Newville, Cumberland County, Pennsylvania, its contents and at the same time handing to him personally the said true and attested copies ofthe same, R, Thomas Kline, Sheriff who being duly sworn according to law, says he served the above Real Estate Writ Notice Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to one of the within named defendants to wit: Sharon K, Young by Certified Mail Return Receipt Requested, Restricted Delivery Deliver to Addressee Only to her last known address R.D. # 4 Box 485, NewpOlt, Pennsylvania, This letter was mailed under the date of January 13, 1999 and received by Sharon K. Young on January 15, 1999 the return receipt card signed by Sharon K. Young. R. Thomas Kline, Sheriff who being duly sworn according to law, says he made diligent search and inquiry for one of the within named defendants to wit: Sharon K. Young, but was unable to locate her in his bailiwick. He therefore deputized the Sheriff of Perry County to served the within Real Estate Writ Notice Poster and Description according to law. PERRY COUNTY RETURN: Now, January 18, 1999 AT 12:30 o'clock P.M. served the within Writ Notice & Description upon Sharon Young at R.D. # 4 Box 485, Newport, PA by handing to Sharon K. Young a true and attested copy of the original Writ Notice and Description and made known unto her the contents thereof. So answers: Carl E. Nace, Deputy Sheriff Perry County, PA R. Thomas Kline, Sheriff, who being duly sworn according to law, says he served the above Real Estate Writ Notice Description and Postel' in the following manner: The Sheriff mailed a notice of the pendency of the action to one of the within named defendants to wit: James A. Young by regular mail to his last known address 98 Beetem Hollow Road. Newville, Pennsylvania. This letter was mailed under the date of January 15, 1999 and never returned to the Sheriffs Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, SIlYS he served the above Real Estate Writ Notice Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action by regular mail to one of the within named defendants to wit: Sharon K. Young at her last known address R.D. # 4 Box 485, Newport, PA. This letter was mailed under the date of January IS, 1999 and never returned to the Sheriffs Office. R, Thomas Kline, Sheriff, who being duly sworn according to law, says he made diligent --'t. TITLE REPORT THE PREMISES ENDORSED HEREON ARE SUBJECT TO THE FOLLOWING ITEMS, WHICH WILL BE EXCEPTED IN THE POLICY UNLESS SATISFACTORY . EVIDENCE PERMITI'ING THEIR REMOVAL IS PRODUCED. SHERIFF SALE NO. 34 Held Wednesday, March 3, 1999 Dute: Murch 4, 1999 TAXES: Receipts for 1I1ltuxcs for the yellrs 1996 to 1998 inclusive. Taxes for the current yem 1999. WATER RENT: SEWER RENT Company lIssumes no Iillbility for privllte supply of wllter 01' sewer. Receipts to be produced if services me lienable. MI<:CHANICS' AND Possible un filed Mechllnics Liens lInd MunicipllI CllIims. MUNICIPAL CLAIMS MORTGAGES: Listed Under Other Exceptions Below, JUDGMENTS: Listed Under Other Exceptions Below. INSTRUMENTS TO BE PRODUCED: Deed from Cumberlllnd County Sheriff to dlltcd , 1999, lInd recorded , 1999, in Cumberhll1d County Deed Book , PlIge RECITAL: BEING THE SAME PUEMISES which Helen M. Kiner, etlll, Executors of the Lr,st Willllnd Testllment of Hermlln A. Low by Deed dllted August 10, 1984 lInd recorded August 13, 1984 in the office of the Recorder of Deeds in und for Cumberlllnd County ut Curlisle, Pennsylvuniu in Deed Book "V", Volume 30, Page 660 granted lInd conveyed to Jumes A, Young und Shuron K. Young, his wife, o'rHER EXCEPTIONS: I . The identity und legal competency of pllrties ut the closing of thh, title should be estllblished to the slltisfuction of the closing ultorney lIcting for this Compllny, 2. Rights or cluims of [lllrties in possession, if lIny, other than the owner. 3, Unrecorded ellsements, discl'Cpllncies or conllicts in boundary lines, shortllge in lIreu und encroachments which an lIccurate and complete survey would disclose. 4. Puyment of Stllte lInd loclll Relll Estate Tl'llnsfer Taxes, if required. 5. Public lInd privllte rights in the roudbed of S,R. 641, L.R. 21091, kno",'i1 as the Newville ROlld, 6. Mortgage iu the umount of $42,750.00 given by James A. Young and Shuron K. Young, husbllnd lInd wife to Lincoln Mortgllge Compuny,lI Division of Abraham Lincoln Federal SlIvings Bank dated September II, 1987 and recorded September 16, 1987 in Mortgage Book 811, Puge 143, Assigned to B,lIlkers Trust Company of ClIlifornill N,A. by Instrument dllted Februury I, 1993 und recorded August 16, 1993 In t .. 4, . Name IInd IIddress of the last recordcd holder of cVt,ry 1Il0rlgllge of record: AMERICAN GENERAL FINANCE 6 S. HANOVER STREET CARLISLE, POA 17013 5, Nllme IInd IIddress of cvery olher person who hils IIny record lien on lhe properly: NONE 6. Name and address of every olher person who hilS ,Illy record interest in the property and whose intereSI may be affecled by the salt~: TAX CLAIM BUREAU I COURTIIOUSE CARLISLE,PA 17013 DOMESTIC RELATIONS 1',0. BOX 320 CARLlSLE,PA 17013 DEBRA PIPER 350 BARNSTABLE ROAD CARLISLE, PA 1'1013 COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE LIEN HARRISBURG, PA 17105 7. Name and address of el'ery other person of whomlhe plalllllff has knowledge who hus at)y intereSlin the properly which mill' be affeeled by the sule: TENANT/OCCUPANT 21551 NEWVILLE ROAD CARLlSLE.PA 17013 I verify thallhe sl<itemenls made in lhis affidal'il arc trlle alld correct to lhe best of my personal knowledge, Informal ion and belief. lunderslllnd lhal fulse sllnements herein arc Imide subjecllo the penalties of 18 Pa.C.S, ~4904 relatillg to unsworn falsificlIlion 10 authorities, SPEAR & IIOFI'MAN. P.A, ........ .-Ld--~~ .--> -~ .-, Riclwrd M, Nelson. ESQUIRE Atlol'l1cy for Plaillliff ./,0' .,~ . . Ihe .Iudgmelll, if the judgmelll WilS improperly elllcred. You may also usk Ih(, COLII'I 10 poslpol1e lhe sule for good cuuse. 3. You muy he uhle 10 Slop Ihc salc lhrough olher legul proccediugs, YOll mill' uced au i1Homey 10 ilssert your righls, The soouer you (.otllilct Olle, lhe more chilllce you will have of stoppiug (hc sille, (Sce Ilolice ou pilge IWO Oil how to ohlilill uuuHomcy,) YOU MA.Y STILL BE ABLE TO SA VE YOUR.J~ROPERTY AND YOU IIA VILOTIIER RIGHTS liVEN IF THE SHERIFF'S SALE DOES TAKIULACE. I. If the Sheriff's Sille Is uol slopped, your propel'll' will he sold to the highest hidder, You may I1l1d mlllhe price bid hI' callillg (717)240-6390, 2. You may bc ilhlc to peliliolllhe COllrt to setuside lhe sale if lhc hid price was grossly luadeqllatc compared 10 lhc I'alue of 1'0111' property, 3, Thc salc will go through ouly if thc huyer pays lhe Sheriff the fllll ilmOU1I1 <llIe illlhe sale, To filld OUI if this hilS hilppcued, youmilY call (717)240-6390. 4. If the amount due fwmthc buyer is not paid to lhe Sheriff, 1'011 will remain the owner of the properly as if the sale Ilel'er happened, 5, You have a right to remain ill the properly until the full ilmoum due is paid 10 Ihe Sheriff alld lhc Sheriff gives a deed 10 Ihe buyer. At Ihal lime, the buyer may brillg legal proceedings to el'ict you, 6. YUlImilY be emilled 10 a share of lhe mouey which was paid t()r your house. A schedule of dislrihulion of the mouey hid for your house will be tiled by Ihe Sheriff no laler than APRIL 3, 1999. This schedule will state who will he receiving the money, The money 11'11I be paid oul in accord,Ulce with lhls schedule unless exceptions (reasons why the proposed dislrlbution is wrong) are tiled with the Sheriff within leu (10) days after Ihe dale of tiling of said schedule, 7. You mill' also have olher rlghls aud defenses, or ways of gelling your house back, If you ilCI immediately ilfler the sale. YOU SHOULD TAKE TillS PAPER TO YOUll LAWYER AT ONCE. IF YOU DO NOT HA VE A LA WYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED DEl.OW TO FIND OUT WI/ERE YOU CAN GET l.EGAl. HELP. CUMBERLAND COUNTY COURTHOUSE I COURTIIOUSE SQUARE CARLISLE, PA 17103 PURSUANT TO TilE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LA W FIRM IS m:EMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT ..\ DEIIT, ANY INFOnMATION OBTAINED WILL BE USED FOR THAT PURPOSE, .. .'\- . allol'lley's fees due. To find out how lIluch YOUllluSl pay, youlIlay cull: (<iQjl) 7R4-R22Q, 2. YoulIlay he ahle 10 stop the sale hy l1Iing a petltioullsking Ihe Court 10 strike or open lhe jndglllenl, if the judgment was improperly enlered, YOll may also ask the COllrlto postpone the sale for good cllllse. 3, YlIulllay he ahle 10 SlOP thc 8<\le thwlIgh olher legal proceedings, YoulIlay uecd an allorney 10 assert your righls, The sooner YOll contact one, the more chance you will have of slopplllg the sale. (See nolice on page two on how to ohtaln an allorney.) you MA Y STILL BE ABU; TO SA VE YOUR PROPERTY AND YOU IIA VE_OTHER RIGHTS EVEN IF THE SIIERI.t"FS SAL!LDOES TAKE PLACE. I. If lhc Sheriff's Sale is not SlOpped, YOllr properly will be sold 10 the highesl bidder. You may tlnd out the price bid hy calling (717)240-6390, 2. You may he able 10 petllloulhe Court 10 sel aside the sale if the hid price was grossly inadequate compmed to the I'alue of your property. 3. The sale will go Ihrough only if lhe buyer pays the Sheriff the full amounl due In lhe sale. To find oUl if this has happened, you may call (717)240-6390. 4. If the amOUl11 due fromlhe huyer is nOl paid 10 the Sheriff, YOll will remain lhe owuer of the properly as if the sale nel'er happened, 5. YOII hal'c a right to remain in lhe properly unlilthe t\lll amount due Is paid to the Sheriff llnd lhe Sheriff gil'es a deed 10 lhe buyer. Al lhat lime, Ihe hllyer may hring legal proceedings to evicl you, 6. You may be entllled 10 a share of the money which was paid for your house. A schedule of distrlburion of the money bid for your house will be tiled by the Sheriff no later than APRIL 3, 1999. This schedule will slate who will be receiving lhe money, The money will be paid out in accordance wilh lhis schedule unless exceplions (reasons why lhe proposed distribulion Is wrong) are filed wilh the Sheriff within ten (10) days after the dale of filing of said schedule. 7. You may also have olher rlghls and defenses, or ways of gelling YOllr house back, if you act immedllllely after lhe sale. YOU SHOULD TAKE THIS PAPER TO YOUR LA WYER AT ONCE. IF YOU DO NOT HA VE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP, CUMBERLAND COUNTY COURTHOUSE I COURTHOUSE SQUARE CARLISLE, PA 17103 PURSUANT TO TilE FAIR DEllT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMI'TING TO COLLECT A DEIlT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE, i:J~ \....-x . c ~~, ~ ~"-' ~~e 9....,"X ,~ ...~~ ., ~ .;.,'- ~, ,~ ":t..~ l'~' .:, ':\.'~ ,,'" ~' tV >:,.,,, (~' ,,,\c ~ :\-0 c ''', ...;.;:." ~ ',v. ,,~ ~ ...' ~"I N ,~. ~~ Sr::~'.., ,"'"1' .u . ',,,"1- ~,:<" ~,'I' . ,,"I-'" ,\"1-" _ < . ,,,, ~ c'... ", X 1\1:.' "v ",,~ "v '1;" ~ ,v ,~Q , .,' ,'" "" ~ . , ~, ~ ~ ," ,.;:."',~ 0. ," ". ~'\ :\-o~ ~'".~, ...' !> ~"-,,, ~~ ,">,s," .\'1' :,;F ,,'0 . .. '<",'" ". ~ ~~ ~ ~'," ~. ' - ". " . .,' , ~" """ .' - ~ '" .. ", ., "".~ .' ,. ".- " ".. ,'" ."., ""'" ,. " ,,' ., '" ^"'.. , " " - " ,. "", ".., ". . ,~. ,. " " '".'" 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'o'b' :",o!$>'O . -l; ~, ;::,,,,"c~.*, '11 ~~ ~~ "I. . oJ''' ~ ~ 0 ~ ~ .;",'1' ,," .,,~ ,,' (;.-. .\~ :o;:.C ,,,I:. c"" ;::,'1' ,~"~" ~G :Iv "I." ~"" \'V l\"'1>" "I. .::i~ . 0 O~ ,I:. .,\ ",I:. c," <!;.C;;:,\ , ,,'I " ;s:.~' ~"V':Si-. ,,<::>' i$.., '" ~ 1J.'<"_,,, . "," ,,,\ <f. ""'~;s:-I:. ,,,c. ,(;.-.... <"N ....'v . ... 'fI.C "" \ . "" ... ",v , ~ ..." -<:,'~ "" ~....c; i,....C ~e" .....~O~ ....,i"" . ,c..(;.- ~'V " ,C. 'b' ~ r '-' >.>-;) -,-'" ,,"1 'o"''b' ~I:.'o' ~.,,'o ,~.., "0 ~ 0 1:." '''.~ ;:;,<:' ~ ,. ~~ " :'\." :'\.~ '<!' " .' '" ,.' it ~O <P 0" . "", " ~ ~ ~I:. ~;:;, I..:' < \" 0 -" 0'" ~" G '" ,0' ,b'", ~o #" " ,,"',." . C ,. . , ,,,<:' .,," (J" ";","1- " <"* 0 .,(., :'\.... ",a.~ ,~" ~S C~. ... ~~. ." "...'0 .~ "C ~v \) 0'" -" <" '\ ....c.: ~ 'i '" "'^' ,,' ," "". ,. 0" < ~"'" <'" " b o,,~. ,"~.*' ,~~. "," ,,-<-'1; '(,:."" ~~ o~,o~~,. ,,.,~ C~~~ ""., .0 ,,~, ~.~ ".p '" ,. ,,", " .' .. "' " .." 0" .;" ,0 <>V <f .jlf ~ ",0 -"" <0',,0 ,,'; ,'" o~ ~'$ ,C c' 6. ,. ,," oS " " · ~ v ^.' .. a' . ,. .,... <~'V ~,'b' ~"o~ ,~v ~~. " v" 0 cv.... '\ 'V 0 <",,,,- C; 0" ",0 <i' ~, :.. s" .... 0' C <> ,0 ,,'" ~ ~.:.;,~ ~ ~" ~~ '!.i"~ ,,'If. ,,-0 i" 0 \)~ <"l....,~~"'!- ~c i"" :lvv ~ \)..., 0 ~"<,.~~ ~~'~$ ~i" ~<(; .,~, ~~ ~4. vS "v ~" i" ,,0 ~ ~. ~'" 'vi"",~~ ~~ ,>>S ...." ~s ",-< '" ' ~~ .;.....(, ~.. ,,~ ~' ci~ (,0 ~ ~~ -. fA IHtHII ft,'aU ""'1'1". I'hun. 2IU\.fiI2nll DAILy ... P'l:t(.UP A('('uunlln. Off''' 255.U31 - mlll'tplltriot 1 - mill' t:Ul'uiug Nl'lU1i 2 i.J3M 3 IUUllllU llJutriot.Nl'lII1i 4 1'.0. BOX 2265I1ARRISUIIRIJ, rA. 17105 rllONt: (717)255."1011 5 Complele Coverage 01 Pennsylvania's 'Third Largest 6 and Most Prolltable Market 7 CUMB020 JAN '" FEBUARY 1999 . CUMBERLAND CO SHERIFFS OFFICE , .. Hd COURT HOUSE 10 CARLISLE, PA 17013 11 12 Ij.:!ft.. 'NCHII 0 DAllY..AU .;(/0 If 13 1-4 '..7-5- ... '.CH NOTARY LI!U"PODAILv 1 50 14 IS I HETnA!lY J JI/I 1.,9 ..Ietc..up MUI 16 _ IHCHUG _ PER INCH 17 11 Ir'" RATI! _. IMCHUCI _ PIA IHCH " LIIU PPO SUNDAY 20 , NETIPH > 21 22 23 SALE NO, .31 24 25 METRO WEST , 26 I,P/if 27 2. 29 DUPLICATE 30 31 -- T 0 1..- T /.1.{ 'I . L . - ., . , ~.." .' . THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Undlr~1 "a.S.'I. lIIaralNld h4_U 11.1121 Commonwlllth 01 Plnnlylvlnla, County 01 Dluphln) II MldlHI Morrow being duly sworn according to law, deposes and says: That hili thI AulIlInt Conlroll.r 01 THE PATRIOT. NEWS CO" a oorpolltlon organized and Ixlltlng undll thl law. 01 the Oommonwllhh 01 Penn'Ylvanla, with It. prlnolpal olllcl and plloo 01 bu.lnl.. al 812 to 818 Marklt Strllt, In thl Olty 01 Harrllburg, County ot Dauphin, Sta.. 01 PlnneYlvanla, ownll and publllhll 01 THE PATRIOT.NEWS and THE SUNDAY PATRIOT.NEWS new",,,,I" 01 glnllal clrOUlatlon, prlnled and publllhed at 812 10 818 Market Str..t, In thl City, Oounty and Sla" IIorMlld; thll THE PATRIOT.NEWS Ind THE SUNDAY PATRIOT.NEWS were ..tablllhed Malllh 4th, 1854, Ind Stptamblll 18th, 18411, r"plOlIvely, and III hlVI b..n contlnuou.ly publt.hed IVII Ilnol; Thltthl prlnled nollce or publlcallon which I. ..cureiy anaohed her'lo I. exaotly u printed and publllhed In their l'Illular dally and/or Sunday and Melro edltlonllluu.. which appearld on thl 28th day 01 January and thl 2nd and IIIh day(.) ot Flbluary I """, ThaI neither he nor eald Company II Inter"led In the ,ubJIOI maner 01 ..,d printed nollc:l or alIvlrtlllng, and Ihlt all ollhe alle"atlon. 01 Ihl. .talemenl u 10 Ihe time, place and oharaoler 01 publication I,. Irue; Ind That he h.. personal knowledga 01 the laol. Ilor..ald Ind I. duly authorized and empowered 10 verily thl. 1IIlImlnt on behllf 01 The Pllrlol.Newl Co. aforeaald by virtue Ind pursuant 10 a r..olutlon unanimously pused Ind alIcpllli uverally by the Itookholde,. and board 01 dlrlOlore 01 thl.. Company and sub8equently duly rlOorded In thl olflol lor Ihl RlOordlng 01 DoedIln Ind lor ..Id County I Oluph In Mlscelllneous Book 'M', Volume 14, P",I 317, PUBLICATION COPY SALE 134 CUM3ERLANO CClU'lTY SHERIFFS OFFICE COlJITIOJSE CARLISLE, PA. 17013 SJQtement ol..AJlm1l1lna Costll To THE PATRIOT.NEWS CO., Or. For publlahlng Ihe nolloe or publloatlon aUaohed herelo on Ihe above slated dates $ Probating ..me Nolary Fee(s) . Total $ ;~!ISher's Receipt for Advertising Cost . hlr 01 THE PATRIOT.NEWS and THE SUNDAY PATRIOT.NEWS, newepepers 01 "ensral '.. rsoelpl 01 the aloresald nollce and publloatlon cosls and oertlll.. thaI the ..me have TIlE PATRIOT.NEWSCO, 210,111 1,50 211.811 By"................................."..........,..;................. !~ TflE COU~' 01" C,?MMJN PI!~~l'.__Cl!:'-fY..MI1ERLIIN'2-COlJN'I'Y, Pl'NNSYLVANIJ\ flY] LgT,'{.!S IQti PIlAr~IPE FOR Wln1' OF EXI'X:LrI'ION --_._..~---_.<---~.__._-----_.- Caption; IlIiSOLlJTION TIlIlST COIlI'ORATION AS RI!('I!JVlilt I'oi~ TilE ASSIONOR, TO IIANKERS TRUST COMI'ANY Oil CALIFORNIA, N,A. I'I.AINTJIII', Confessed Judgmant vs. (l<,) Other FileNo. 4S'"r?1.;1,II.J.-tt'VIL. AtroUf1 t Due .,t,f';.I61., .f-' JAMI!S A. YOUNG AND SIIARON K. YOUNG AND Till! UNITED STATES 01' AMERICA DEFENDANTS Intecest Atty's Comn Costs ro lliE PRCmlOl'Ol'ARY OF THE SAID COURT: The undersigned he.reby certifies that the below does not arise out of a retail installment sale, contract, or account based on a confession of judgment, but if it does, it is based on the appropriate or..i.ginal proceeding filed pursuant to Act 7 of 1966 as arrended; and for real property pursuant to Act 6 of 1974 as arrended. Issue writ of p.xecution in the above rT'dtter. to the Sheriff of(!,uhltiJE12Lt:l<lh County, for debt, interest and costs up:ln the following descI'ibed property of the defendant(s) .Jt 1$ J AJ e /J.I r I ~Le k>t> IJ \) elf] e L-/:5 L 'E pr; 12.~. PRAEX::!PE FOR ATl'J\C!:l'lENl' EXro.11'ION Issue writ of attachment to the Sheriff oft".uNlAe2LAAJb COlUlty, for debt, interest and costs, as above, directing attachnent against the above-n5Ted .9aznishee(s) for the following property (if real estate, supply six copies of the description; supply four copies of lengthy personalty lLst) and all other property of the defendant(s) 1n the possession, custody or COntrol of the said garnishee(s), (Indicate) Index this WI'it aga1nst the giUT,ishee( s) as a lis pendens against real estate of the defendant(s) described 1n the attached exhibit. .-.L____~/ DATE, ~__ Signature: l~--:::< Print Name: e.1C!.1+~Q,h /'II. /J j,f'LStlu Arldress: /0 I t L..AuQ,1ii l.. Dr./( iD.~t.f.L V (l) .o...e.u.E E S ,_ 4.lT 0 Id {oJ ..\ttorno"Y for, ?L"'I"'rl~p . ~~ ... , ~. , . ... , , , .. .. .. C:t: ..f .. " . .. . , '; ...; ~ .. .. ... , .. 0 .. 0J . ..... i'.. '..( '"'~ - I I \ ~ ~ >- c> ~: 8 ~ \) 0 \) \) ~ J ~ l' ~~ (Ii ~ 0 '- 0) 0 l-:J lJ) \) ,J ~ I.' ., " () .... lUP - -).'r' . . ~ 0:- \) ~lt, :~-) G) "- tn ('0 0i f) ~ -:) 1\ 1:\ ;lC: ~-l t;;: "? V) ~ 0- ... 1::L <U; > ~; .... ~..u ::} ~:... f'A ,\) ~ C" '" 'fij) - Ci:: ' -... Cl U. "'0<.. t._1 (, - ,::,~ n:I.U liVd :T; ~~I It Cl.. ,-- CJ '.<,; ,"-. I.L co ~) 0 CT\ U fE a, ~ ",: N I- ., ,~:? ~.r lJ,I(~ - - (J"-"~ h1h .~ r )~.. .'.... ,. 1'.1, J '-.'. .r;; "1"] ~~(, '.-:. ~~. 1 " w .~,-'qJ Er'" jU. .1 ;!.-;~ 0:11 ~ (-' 'Jl6] ;1. Lu rqa... " t:.J '" 4. 'co ~!;~ ,!.;J 0"1 0 U: ," ....... r-";' 'Ir~ ,J '~~., !t.. ' 1 'I, /j , ' ;'li/{l (rJ LI"', i-!. I Spear &: HOffman, P.A. By: Richard M. Nelson, Esquire Attorney I.D. No. 72869 1018 Laurel Oak Road, Suite I Voorhees, New Jersey 08043 (609) 784-8220 Attorney for Plaintiff RBSOtUT10N TRUST' CORPORATION As RBCBIVER FOR THB ASSIGNOR TO . BANKERS TRUST COMPANY OF CALIFORNIA, N,A, PLAINTIFF , COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKBT NO. 98-2214 CIVIL vs. JAMES A. YOUNG AND SHARON K. YOUNG AND THB UNITED STATES OF AMBRICA DEFENDANTS CBRTIFICATION OF MAILING NOTICB PURSUANT TO RULB 237. 1 The Undersigned hereby Certifies that a Written N ' " "",," '""'''''''' ... ""'k< " "",,,,,,,, "'" " ''''''"'' " n. . P'''''po '" '" S.., '" ,,',," """'" "" " "", " (;0).." (%:;:::~:'" "" '''"',I..",,,,,,,,, """', If '"'' -n" '''....''''''" A""... "'''' "'PI " '~h ~ f . '''''' '"' "'"," ".. P'''''po ,,, '" SOl,> o Ice IS attached hereto, Sent as stated. Dated:~ SPBAR & HOFFMAN, P.A, BY: h I I I '~ 0" lS ('\., ~~ .. ;;~~ (":'\ p.'-> )-", .-,- r.: \' .-",.. ~:.:s.: 5irJ: .~.... C'; \.,C) .,JEt) fa" :1;': 'CI" (..1 U:JZ G:: ~L) U. ILl 1.t.J r/l(1.. f"e CJ ., :,~ u., CO ::5 0 CA (.) 1'-1 Li i< Ii, e.> I L; L.i; -, L.;, " C.1 >- t;;) ~: ~?e (f? '0"_ lJ.,E~ .. 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IIl1orlley's fees due, To filld oUI how IIl1l(:h YOUII1Usl puy, YOIIIIIUY CIIII: {(,(llJj}~:l:JiU$, 2, You milY he i1hle 10 slop tlil' silll, hy filing iI petitiolluskillg Ihe COli 1'1 to slrih' or opell Ihe jlldgmelll, if Ihe jUdgllWlltWils ilnpl'lllll,rly elite red , YOllmilY i1lso i1sk the ClIllrllll poslpollc thc Rille for good Cllllse, 3, You milY he uhlc tll SlOP the sillc Ihrllugh othl~r Icgill proceedillgs, YounlHY nccd ullullorlley 10 asscrl your rights, Thc ~;OOIil'r you wntact onc, Ihe more chunce you will have of slopping the sale, (See 1I0tice 011 puge 111'0011 how loohlain all allol'lley,) YOU MA Y STILL Bli./lJ.lI,E:ro SA VE YOUR PROPERTY AND_YOU If A VE OTHER RIGlITS llVEN IF TilE SHERIFF'S SALE DOES TAKE PLACr~, l. If Ihe Sheriff's Sale is 1I0t stopped, YOllr prllpel'ly will he sold to the highest hidder. You lI1uy find out the price bid hy callillg (717)240-6390, 2, Yon may he ablc to pctition the COUl'l to set aside Ihe sale if the hid price wus grossly Inadequate compared to thc value of YOllr propCrlY, 3, The salc will go through only if thc buyer pays the Sheriff the full amount due in the sale, To find out if Ihis has happened, you may call (717)240-6390, 4, If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened, 5, You have II right to remain in IIIl' property until the full amounl (hw is paid 10 the Sheriff and the Sheriff gives a deed 10 the buyer, Atlhat time, the huyer may bring legul proceedings to evict you, 6, You may be entitled to a share of the moncy which was paid for your house, A schedule of distribution of the money bid for your house will he filed hy the Sheriff no later than APRIL 3, 1999, This schedule will state who will be receiving the money, The money will be paid out in accordance with this schedulc unlcss cxceptions (reasons why the proposed distribution is wrong) are tiled with the Sheriff within ten (10) days aftcr the date of filing of said schedule, 7, You may also have other rights und defenseii, or wuys of getting your house buck, if you acl immedialely ufter the sale, YOU SHOULD TAKE T1-11S PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT HA VE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP, CUMBERLAND COUNTY COURTHOUSE I COURTHOUSE SQUARE CARLISLE, PA 17103 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMEIl TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEIlT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE, i .. . 2, You may he ahle III stop the s:IIe hy filing a petition asking the ('ourt III strike 01' 01ll!1I the judgment, if the judgmeut was improperly eutered, You may 1I1sollsk the ('ourtto postpoue the sale for good cause, 3, You may he lIhle to stop the sllle through other leglll proceedings, You may lIeed anllllol'lley III assert YOUI' rights, The sooner you conlm:t one, the more chllllee you will have of stoPlling the sllle, (Sl.e notice on pllge two on how III ohtain an ,11IOl'lley,) YOU MA Y STILL BE ABLE TO SA VE YOUI~ PRQ.I'ERTY AND YOU,l!L\ VE!nHER lill111JS EVEN IF THE SHERIFF'S SALE D_OES TAKE PLACE, 1, If the Sheriff's Sale is not stupped, your pwperty will he sold to the highesl hidder, You may find out the price hid hy calling (717)240-6390, 2, You may he lIble to petition the Court to set aside thc slIle if the bid price was grossly Inadequllte compared to the value of your property, 3, The sale will go through only if the hnyer pays the Sheriff tbe full amount due in the sale, To find out if this has happened, you may ellll (717)240-6390, 4, If the amount duc from the hnyer is not pllid to thc Shcriff, you willrcmllin the owncr of the property liS if the sale never happcned, 5, You have a right to remain in the propeny unlilthe fullllmount due is paid III the Sheriff lIud the Sheriff gives 1I deed to the bnyer. At thllt time, the huyer mllY bring legal proceedings to evict you, 6, You mllY be entitled to a share of the mouey whicb WllS pllid for your house, A schedule of distribution of the moncy bid for YOUI' house will hc filed by the Sheriff no later than APRIL 3, 1999, This schedule will statc who will be receiving the money, The mouey will be pllid out in accol'(hlllce with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days aftcr the datc of filing of said schednle, 7, You may also have olher rights and defenses, or ways of gelling your house bliCk, if you act immediately after the sllle, YOU SHOULD TAKE THIS PAPER TO YOUR LA WYER AT ONCE, IF YOU DO NOT HA VE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP, CUMBERLAND COUNTY COURTHOUSE I COURTHOUSE SQUARE CARLISLE, pA 17103 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOll ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT, ANY INFORMATION OBTAINED WILL 1m USIW FOR THAT PURPOSE. , ' ~ CI ',. ("l b; ~~ ..r~~ I'~ .. :"1 ~ ;,; U.trJ ..- C) ~~(<; C) ,:1 , ..".; P-;L ...-~ :'J (h,~ JC:- . ..0 VI @ll - ,~ UI,i: .-," tl. ."" er! (.) ,,'.. 1I IUl1U -, L.IJ !nO- V' ., c:c ,.r.. II. (X) ::;) 0 0' (.) . ~ ./ . Ihe JullgulCnt, ii' the Jullglllent was hnpl'Ol"lrly elllerell, Youlllay also ask the Court 10 pw;tpone tlw Sll'" liu' gooll ~ause, 3, You IUIlY hl~ IIhle hi Slop till' sale thl'Ough other Il'gal pl'O~eelllugs, YOUIllIlY neellanlllllll'nl'y 10 IIssert YOUI' rights, The sooner you wnta~1 one, the lIIure dllllwe you will have oi' shipping Ihe sale, (Sl'e notice on page two on how 10 obtain an allorney,) .YillLMA~C~lILLllj,Lo,l!LE_l1Uiil\llLYJ)J1Kl'JHli'!i.!nY i\.t'I D Y.Q.lllLi\,V E OTllER R KiJ ITS EVEN II' TIUi.~.!E!!!n'~H6.LE.l!OES TAKE PLM'IL I, Ii' Ihe Sheriff's Sale is nOI sloPlwll, YOUI' pl'Operty will b", solll to Ihe hlghesl blddeL You rnuy find out Ihe prlel' hid by ~alling (717)240-6390, 2, You lIIay be abl", to pelitk'u the Court 10 set asklc the sale if the hid pI' lee was gl'Ossly luadequate eOlllparellto Ihe valu", of YOUI' pl'Operty, 3, The sale will go Ihl'Ough tUlly If the buyer pays the Sheriff IIIC fullalllount lIue luthe sale, To find out If this has happened, you lIIay ~all (717)240-6390, 4, If the alllount due 1'1'0111 Ihe buyer is not paid to the Sheriff, you will relllalnthe owner lIf the property as if the sale never happenell, 5, You have a right tll remain in the property until the l\ill alllount lIue is paid to the Sheriff and the Sheriff gives a deellto the buyer. At that tillie, the buyer may bring legal proceedings to evict you, 6, You may be entitlell to a share of the lIloney whleh was paid for your house, A schedule of distrihution of the money bid for your house will be filed by the Sheriff no later than APRIL 3, 1999, This schedule will slate who will be re~eiving the money, The lIloney will be paid out in accordance with this schedule unless exceptions (reasons why the proposed dlslrihution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said s~hedule, 7, You may also have other rights and defenses, or ways of gelling your house hack, if youllct immediately after the sale, YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF 'WU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP, CUMBERLAND COUNTY COURTHOUSE I COURTHOUSE SQUARE CARLISLE, PA 17103 PURSUANT TO THE FAIR DEBT COLLECTION I'RACTlCES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEI~MED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT, ANY INFORMATION OBTAINED WILl, BE USED FOR THAT PURPOSE, " f1; Cl >" "'1 f-, O'j" "( " ,:~ ; .. 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