HomeMy WebLinkAbout98-02655
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MoCABE, WEISBERG AND CONWAY, P.C.
BY' TERRENCE J. McCABE, ESQUIRE
Identifioation Number 16496
First Union Building
123 South Broad Streot, Suite 2080
Philadelphia, Pennsylvania 19109
(215) 790-1010
Ameri.can General Consumer
Discount Company
6 South Hanover Street, Box 417
Carlisle, PA 17013
v.
Davi.d J. Barrick
25 E, Main Street
Newville, PA 17241
and
Elsie P. Barrick
13 North Corporation Street
Newville, PA 17241
and
Quinter E. Barrick and
Treva J. Barrick
8 Conifer Road
Newville, FA 17241
Attorney for Plaintiff
Cumberland County
Court of Common Pleas
13- ;{(pS()~U-
Number
NOTICE AVISO
QIVIL ACTION/MORTGAGE FO~E~~SURE
You hlvo been lued in court. If you wllh to dofond lo hln .... 0 0 I ulted In II corIO. SI Ulled
Igltnll tho clllms lot forth In th. followIng qulero def.nderso do .st.s demand.s 'X"PUestes .n
POIll", you nust tok. Ictton within tw.nty (20) d.ys lis psgln.1 slgul.nt.l, ust.d tl.n. v.lnt. (20)
Ifter thtl c"""I.lnt Ind nottc. Ire served, by dI.s de pI 110 II portlr d. II f.ch. d. II demandl y
entering. written appearance personally or by la notiflcaclon. Hace hlta IRentar una
attorney and fHlng In writing with the court your ccxrparencla lacrlta 0 en persona 0 con un nbogado y
defen"l or objections to the claims ut forth erltregar. l. corte en forme eserits 8US defenses 0
against you. You are wllrned that If you hll to do 8UI obJeclone. . tar. demandas en contra de 8U
10 the e..' mey proceed without you and . JUdgment per'sona. Sea ...,tsado que 8t usted no Be deflendo,
moy b. .nured .galnst you by th. court without la cort. tomera medldls y pu.d. conttnuar II
further notlc. fOI' any mon.y cl.imed In th. demandl en contra suya sin prevlo .vIso 0
complllnt or for Iny oth.r cl.Im or rell.f notlflc.cion. Ademas, la cort. plied. d.cldlr a
roquelud by th. plllntIff. You may IDS. IOOn.y or flvor del d....nd.nt. y r.quler. que usUd c..,.,ll
property or other rights tffp3rtant to you. con todes las provlslones de esta demanda. Usted
puede perder dt nero 0 BUS propi edades u ot rOB
derechos Importantes para usted.
YOU SHOULD TAKE THIS PAPER TO YOUR
LA WYER AT ONCE, IF YOU DO NOT IIA VE A
LA WYER OR CANNOT AFFORD ONE, 00 TO OR
TELEPHONE mE OFFICE SET FORTH BELOW TO
FIND OUT WHERE YOU CAN (JET HELP.
Cumberl.nd County Blr AssocIation
2 l t berty Av.nu.
Clrltal., PA 17013
(717) 249-3166
LLEVE ESTA DEMANDA A UN ABO(JADO
INMEDIATAMENTE. SI NO TIENE ABOOADO () SI
NO TIENE EL DINERO SUFICmNTE DE pAGAR
'I'M, SERVICO. VAY^ EN PERSONA 0 LLAME
POR TELEFONO A LA OFICINA CUY A DIRHCCION
SE ENCUENTRA ESCRITA ABAJO PARA
A VERIOUAR DONDE SE pUEDE CONSEGUIR
ASISTENCIA LEOA!..
Cumberl.nd County Bar Association
2 llb.rty Av.nu.
C.rllsl., PA 17013
(717) 249.3166
.
YElm'ICA"I'lml
Thc undel'signcd, Tim Bentz, hel'cby cCl'tifics thai hc is Ihc Disll'ict Mllnagcr ofthc
Plaintiff in tho within aClion, Amcl'll:an Gcncral ConSUnUll' Discount Company, und thul hc Is
uuthodzcd tOl11ukc this vcl'ificulion and thallhc fOl'cgoing Ihcls al'c Il'uc and COl'I'ccllo the bost of
his knowledge, intol'll1ution und hclicf und fUl'thcl' slatcs Ihat falsc statcments hCl'cinllrc madc
subjcct to thc ponaltics oj' 18 I'A,C,S, Section 4904 I'clating tounswol'fl falsification to
authol'itics,
----
RMER .GEN.F IN,
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DEe 10'97
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4. \
BRIEr LEGAL DESCRIPTION,
.ILL THAT CERTA I N PROPERTY S I TVATED 1 N THE TOWNSHIP OF LOWER M I FFL I II I tl
THE COUNTY OF CVMBERLAND AND COml0 WEALTH OF PENISYLVANIA BEING DESCRIBED
,$ FOLLOWS' LOT I IN PLAN BOOK 30 A~E 35, BEING MORE FULLY DESCRIBED IN
" DEED DATED 03/05/63 MiD RECORDED 03/05163, ANOIO THE LAND RECORDS Of
fHE COUNTY AND STATE SET FORTH ABO E. I N DEED VO UrlE T20 AND PAGE 965.
fAll MAP OR PARCEL 10 tlO, 15-08-003 -026. TAK MAP OR PARCEL ID NO'CARLISLE, PA
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TERReNCHI,McC^nr:
LA W OFFICiiS
McCAnE. WEISBERG & CONW A V, P,C.
SUI1'I! 2010
FIRST lJNION U1J1WINO
12l SOlJTI! IIROAIl STIII!!!T
PIIII.AllliI.PIIIA, l'liNNSYLVANIA I~IOI
(2Il) 190.1010
.',\XN(W/190.11.14
SlJlTE 201
ONI! OIlEENTREE CHNTII!'
MARI.TON, Nl 010ll.ll.16
(609) 911.5441
FAXN (609) 911.9201
SUITe ONli II
1200 PlJSTLeTON I'll,,,
I'liASTERVILl.e, PA 190.1'
SUITE lm
lOO FIFTII A VENlJE
NliW YORK, NY 10110
(212)l1$.1010
.',\XN (212) "'-2m
February 2~, 1998
Treva J. Barrick
8 Conifer Road
Newville, PA 17241
NOTICE OF IN'1'ENTION TO FORECLOSE MQRTGAGE
PLEASE RE~ ALL OF THIS NOTICE
LENDER: American General Consumer Discount Company
ACCOUNT Nl~BER: 13510273
MORTGAGE dated September 24, 1993 and recorded September 28, 1993
in Mortgage Book 1166, page 1008
REAL ESTATE: 22 Weist Road, Newville, PA 17241
Dear Treva J. Barrick:
The MORTGAGE held by American General Consumer Discount
Company (hereinafter we, us or ours) on your property located at 22
Weist Road, NeWville, PA 17241 IS IN SERIOUS DEFAULT because you
have not made the monthly payment of $347.60 for the month of
August, .1997 and $393.45 for the months of September, 1997 through
February, 1998, and/or because of this failure to remit.
Late charges, and other charges have also accrued to this date
in the amount of $0.00, The total amount now required to cure this
default, or in other words get caught up in your payments, as of
the date of this letter is $3,101.75.
EXHIBIT "B'~
,
You may cure this default within THIRTY (30) DAYS of t.he date
of this letter, by paying to us the above amount of $3,101.75 plus
any additional monthly paymentl'l and late charge which may fall due
during this period, Such payment must be made either by cash,
cashier's check, certified check or money order and made to
American General Consumer Discount Company
c/o Terrence J. McCabe, Esquire
First Union BUilding
123 South Broad Street
Suite 2080
Philadelphia, Pennsylvania 19109
If. you do not cure the default within THIRTY (30) DAYS, we
intend to exercise our right to accelerate the mortgage payments.
This means that. whatever is owing on the original amount borrowed
will be considered due immediately, and you may lose the chance to
payoff the original mortgage in monthly installments. If full
payment of the amount of default is not made within THIRTY (30)
DAYS, I have been instructed to start a lawsuit to foreclose your
mortgaged property, If the mortgage is foreclosed, your mortgaged
property will be sold by the Sheriff to payoff the mortgage debt.
Once this matter is I'eferred to me for suit, but you cure the
default before I begin legal proceedings against you, you will
still have to pay the reasonable attorney's fees, actually
incurred, up to $50.00. However, if legal proceedings are started
against you, you will have to pay the reasonable attorney's fees
even if they are over $50.00. Any attorney's fees will be added to
whatever you owe, which may also include reasonable costs. If you
cure the default within the thirty day period, you will not be
required to pay attorney's 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 day period and foreclosure
proceedings have begun, you still have the right to cure the
default and prevent the sale at any time up to one hour before the
Sheriff's Foreclosure Sale. You may do so by paying the total
amollnt of the unpaid monthly payments plus any late or other
charges then due, as well as the reasonable attorney's fees and
costs connected with the foreclosure sale (and perform any other
requirements under the mortgage), It is estimated that the
earliest date 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 sent to you
before the sale. Of course, the amount needed to cure the default
will increase the longer you wait. You may find out at any time
exactly what the required payment will be by calling us at the
following number: (215) 790-1010. This payment must be in cash,
cashier's check, certified check or money order and made payable to
us at the address stated above.
p
You should realize that a shM:iff I s Sale will end your
ownenhip of the mortgaged property and your right to remain in it,
If you continue to live .in the property after the Sheriff's Sale,
a lawsuit could be started to evict you.
You have additional rights to help protect your interest in
the property. You have the right to sell the property to obtain
money to payoff the mortgage debt, or t.o borrow money from another
lending institution to payoff 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 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 have the right to have
this default cured by allY third party act ing on your behalf.
If you cure the default, the mortgage will be restored to the
same position as if no default had occurred. However, YOll are not
entitled to this right to cure your default more than three times
in any calendar year.
NOTE, Unless you notify this office within thirty (30) daya
after receiving this notice, that you dispute the validity of this
debt or any portion thereof, this offi.ce will assume that the debt
is valid. If you notify this office in writing within thIrty (30)
days from receiving this notice, this office will; obtain
verification of the debt or obtain a copy of judgment and mail you
a copy of such judgment or verification, You are also advised
that any information which you supply to this office may be used by
us in the collection of the debt, If you request this office in
writ.ing within thirty (30) days after receiving this, this office
will provide you with the name and address of the original
credi.tor,
THE PURPOSE OF-DJIS COMMUNICAT1QN IS TO COLLECT A DEBT AND ANY
INFORMATION OBT~D WILL BE USED FOR THIS PU~POS~
Very truly yours,
TERRENCE J. McCABE
TJM/df
SENT VIA REGUl,AR MAIL
AND CERTIFIED MAIL. - P 978 362 422
RETURN RECEIPT REQUESTED
.
elegible para un prestamo pOl' el programa Uamado "Homeowner I s
Emergency Mortgage AssiE:tance Program" el cual puede salvar su casa
de la perdida del derecho a redimir BU hipoteca.
IMPORTANT I NOTICE OF
HOMEOWNERS' EMERGENCY MORTGAGE
ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE,
YOU MAY BE ELIGIBLE FOR
FINANCIAL ASSISTANCE WHICH CAN
SAVE YOUR HOHE FROM FORECLOSURE
AND HELP YOU MAKE FUTURE
MORTGAGE PAYMENTS
TOI
FROMl
REI
Treva J. Barrick
Terrenoe J. McCabe, Esquire
Premises: 22 Weist Road, Newville, PA 17241
Account Numberl 13510273
You may be eliaible for financial assistance that will prevent
foreclosure on your mortgage if you comply with the provisions of
the Homeowners I Emergency Mortgage Assistance Act of 1983 (the
"Act"). You may be eligible for emergency temporary assistance if
your default has been caused by circumstances beyond your control,
you have a reasonable prospect of resuming your mortgage payments,
and if you meet other eligibility requirements established by the
pennsyl vania Housing Finance Agency. Elease read all of this
Notice. It contains an explanati~of your riqht~
'~
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,
Under the Act, you are enti t led to a temporary stay of
foreclollure on your mortgage for thirty (30) days from the date of
this Notice. During that time you must arrange and attend a "face-
to-face" meeting with a representative of this lender, or with a
designated consumer credit counseling agency. The purpose of this
meeting is to attempt to work out a repayment plan, or to otherwise
settle your delinquency, This 1nesting must occur in the next (30)
days.
If you attend a face-to-face meeting with this lender, or with
a consumer credit counseling agency identified in this notice, no
further proceeding in mortgage foreclosure may take place for
thirty (30) days after the date of this meeting.
My name, address and telephone number as attorney for American
General Consumer Discount Company is as follows:
;
TERRENCE J, McCABE, ESQUIRE
First Union BUilding
123 ~outh Broad Street
Suite 2080
Philadelphia, Pennsylvania 19109
(215) 790-1010
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 immediately of your intentions.
Your mort9age -ilL in default because }'OU 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 $3,101.75. That sum includes the following:
principal and interest,
Your mortgage is also in default for the folloWing reasons:
N/A.
If you have tried and are unable to resolve this problem at or
after your face-to-face meeting, you have the right to apply for
financial assistance from the Homeowners' Emergency Mortgage
Assistance Fund. In order to do this, you must fnl 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 credi t counseling agency. The consumer credit
counseling agency will assist you in filling out your application
and will submit your completed application to the Pennsylvania
Housing Finance Agency, Your ap\>1) cation must be filed or
postmarked. within thirtY-1301 days of your face-tO-face meeting.
It is extremely important that you file your application
promptly. If you do not do so, or if you do not follow the other.
time periods set forth in this letter, foreclosure may proceed
against your home immediately,
Available funds for emergency mortgage assistance are very
limited. They will be disbursed by the agency under the
eligibility criteria established by the Act.
It is extremely important that your application ,is accurate
and complete in every resjLe..Q.L. The Pennsylvania Housing Finance
Agency has sixty (60) days to make a decision after it receives
your application. During that additional time, no foreclosure
proceeding will be pursued against you if you have met the time
requirements set forth above, YOLl will be notified directly by
that Agency of its decision on your application.
The Pennsylvania Housing Finance Agency is located at 2101
North Front Street, Post Office Box 8029, Harrisburg, Pennsylvania
You may cure this default within THIRTY (30) DAYS of the date
of this letter, by paying to us the above amount of $3,101.75 plus
IIny additional monthly payments and late charge which may fall due
duri.ng this period. Such payment mUllt be made either by cash,
cashier's check, certified check or money order and made to
American General Consumer Discount Company
c/o Terrence J. McCabe, Esquire
First Union Building
123 South Broad Street
Suite 2080
Philadelphia, Pennsylvania 19109
If you do not cure the default within THIRTY (30) DAYS, we
intend to exercise our right to accelerate the mortgage payments.
This means that whatever is owing on the original amount borrowed
will be considered due immediately, and you may lose the chance to
payoff the original mortgage J.n monthly install ments, If full
payment of the amount of default is not made within THIRTY (30)
DAYS, I have been instructed to start a lawsuit to foreclose your
mortgaged property, If the mortgage is foreclosed, your mortgaged
property will be sold by the Sheriff to payoff the mortgage debt.
Once this matter is referred to me for suit, but you cure the
default before r begin legal proceedings against you, you will
still have to pay the reasonable attorney's fees, actually
incurred, up to $50.00. However, if legal proceedings are started
against you, you will have to pay the reasonable attorney's fees
even if they are over $50,00. Any attorney's fees will be added to
whatever you owe, which may also include reasonable costs. If you
cure the default within the thirty day period, you will not be
required to pay attorney's 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 day period and foreclosure
proceedings have begun, you st.ill have the right to cure the
default and prevent the sale at any time up to one hour before the
Sheriff's Foreclosure Sale. You may do so by paying the total
amount. of the unpaid monthly payments plus any late or other
charges then due, as well as the reasonable attorney's fees and
oosts connected with the foreclosure sale (and perform any other
requirements under the mortgage). It is estimated that the
earliest date that such a Sheriff's Sale could be held would be
approximately 5 months.
A notice of the dat3 of the Sheriff Sale will be sent to you
before the sale. Of course, the amount ~eeded to cure the default
will increase the longer you wait, You may find out at any time
exactly what the required payment will be by calling us at the
following number: (215) 790-1010, This payment must be in cash,
cashier I scheck, certiUed 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 to live in the property after the Sheriff's Sale,
A lawsuit could be ~tarted to evict you,
You hmve additional rights to help protect your interest in
the property. You have the right to sell the property to obtain
money to payoff the mortgage debt, or to borrow mop-ey from another
lending institution to payoff this debt. (You may have the right
to sell or transfer the propet'ty 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 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 the default, the mortgage will be restored to the
same position as if no default had occLlrred, However, you are not
entitled to this right to cure your default more than three times
in any calendar year.
NOTE I Unless you notify this office within thirty (30) days
after receiving this notice, that you dispute the validity of this
debt or any portion thereof, this office will assume that the debt
is valid. If you notify this office in writing within thirty (30)
days from receiving this notice, this office will: obtain
verification of the debt or obtain a copy of jUdgment and mail you
a copy of such jUdgment or verification. You are also advised
that any information which you Supply to this office may be used by
us in the collection of the debt. If you request this office in
writing within thirty (30) days after receiving this, this office
will provide you wi th the name and address of the original
creditor.
~HE PURP..QSE.. OF THIS COMMUNICATION IS TO COLLECT A DEBT ANn AN'(
INFORMATION OBT~INED WILL BE USED ~~HIS PURPOSE.
Very truly yours,
TJM/df
SENT VIA REGULAR MAIL
AND CERTIFIED MAIL - P 978 362 420
RETURN RECEIPT REQUESTED
TERRENCE J. McCABE '
elegible para un preotamo por el programa llamado "Homeowner I s
Emergenoy Mortgage Assistance Program" el oual puede salvar su casa
de la perdida del derecho a redimir su hipoteca.
IMPORTANTl NOTICE OF
HOMEOWNERS' EMERGENCY MORTGAGE
ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE.
YOU MAY BE ELIGIBLE FOR
FINANCIAL ASSISTANCE WIIICH CAN
SAVE YOUR HOME FROM FORECLOSURE
AND HELP YOU MAKE.FUTUR~
MORTGAGE PAYMENra
TOI
FROM I
REI
Quinter E, Barrick
Terrence J. McCabe, Esquire
Premises; 22 Weist Road, Newville, PA 17241
Account Number; 13510273
~ay be eligible for financial assistance that will prevent
foreclosure on your mortgage if you comply with the provisions of
the Homeowners I Emergency Mortgage Assistance Act of 1983 (the
"Act"), You may be eligible for emergency temporary assistance if
your default has been caused by circumstances beyond your control,
you have a reasonable prospect of resuming your mortgage payments,
and if you meet other eligibility requirements established by the
pennsyl vania Housing Finance Agency. Please read all of this
Notice. It contains an explanation of your riahts.
Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty (30) days from the date of
this Notice. During that time you must arrange and attend a "face-
to-face" meeting with a representative of this lender, or with a
designated consumer credit counseling agency, The purpose of this
meeting is to attempt to work out a repayment plan, or to otherwise
settle your delinquency, This meeting must occur in the. next (30)
days.
If you attend a face-to-face meeting with this lender, or with
a consumer credit counseling agency identified in this notice, no
further proceeding in mortgage foreclosure may take place for
thirty (30) days after the date of this meeting.
My name, address and telephone number as attorney for American
General Consumer Discount Company is as follows:
TERRENCE J, McCABE, ESQUIRE
First Union Building
123 South Broad Street
Suite 2080
Philadelphia, Pennsylvania 19109
(215) 790-1010
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 immediately of your intentions,
Your mort9age is in default because you have failed to pay
promptly installments of princioal and interes~ as required, for
a period of at least sixty (60) days, The total amount of the
delinquency is $3,101.75. 'i'hat sum includes t.he following:
principal and interest.
Your mortgage is also in default for the following reasons:
N/A.
If you have tried and are unable to x'esolve this problem at or
after your face-to-face meeting, you have t.he right to apply for
financial assistance 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 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 counseling agency. The consumer credit
counseling agency will assist you in filling out your application
and will submit your completed application to the Pennsylvania
Housing Finance Agency. Your application must be f Hed or
postmarked. wi thin thirty (30) da~Lyo\lr face-to-face meetin~.
It is extreme.ly important that you file your application
promptly. If you do not do so, or if you do not follow the other
time periods set forth in this letter, foreclosure may proceed
against your home immediately.
Available funds for emergency mortgage assistance are very
limited. They will be disbursed by the agency under the
eligibility criteria established by the Act.
It is extremely important that your application is accurate
and complete in every respect. The Pennsylvania Housing Finance
Agency has sixty (60) days to make a decision after it receives
your application, During that additional time, no foreclosure
proceeding will be pursued against you if you have met the time
requirements set forth above. You will be nctH ied directly by
that Agency of its decision on your application.
The Pennsylvania Housing Finance Agency i.s located at 2101
North Front Street, Post Office Box 8029, Harrisburg, Pennsylvania
17105; telephone number (717) 780-3800 or 1-800-342-2397 (toll free
number). Persons with impaired hearing can call (717) 780-1869.
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 mllst read both notices, since they both
explain rights that you now have under Pennsylvania law. However I
if you choose to exercise your rights described in this notice you
cannot be foreclosed upon while you are receiving that assistance.
NOTE I Unless you notify this office within thirty (30) days
after receiving this notice, that you dispute t,he validity of thls
debt or any portion thereof, this office will assume that the debt
is valid. If you notify this office in writing within thirty (30)
days from receiving this notice, this office will: obtain
verification of the debt or obtain a copy of judgment and mail you
a copy of such judgment or verification. You are also advised
that any information which you supply to this office may be used by
us in the collection of the debt. If you request this office in
writing within thirty (30) days after receiving this, this office
will provide you with the name and address of the original
creditor.
THE PURPOSE OF Tij~S COMMUNICATION IS TO COLLECT A DEBT ~~ ANY
INFORMATION OBTAINED WILL BE USED FOR THIS PURPOSE.
Very truly yours,
TERRENCE J. McCABE
TJM/df
SENT VIA REGULAR MAIL
AND CERTIFIED MAIL - P 978 362 419
RE1'URN RECEIPT REQUES'rED
1
1
'1
I
I
I
I
,
I
I
PBNNSYLVANIA HOUSING FINANCB AGBNCY
HOMEO~ERSI BMERGBNCY MORTGAGE
ASSISTANCB PROGRAM
CONSUMER CREDIT COUNSELING AGENCIES
,.
CUMBERLANn CO~X
Consumer Credit Counseling Service of Western
PennsYlvania, Inc.
2000 Linglestown Road
Harrisburg, Pa 17102
(717) 541-1757
Financial Services Unlimited
117 West 3rd Street
Waynesboro, Pa 17268
(717) 762-3285
Urban League of Metropolitan Harrisburg
25 N. Front Street
Harrisburg, Pa 17101
(717) 234-5925
FAX # (717) 232-4985
YWCA of Carlisle
301 G Street
Carlisle, Pa 17013
(717) 243-3818
FAX # (717) 243-3948
I TOI P "7 a 31ai! If:l..,
I '",.... ,. ....",
Is Coniter Road
Newville, PA 17241
SENDER:
! Terrence J. HcCabe, Eequire
I REFERENCE:
American GenerAl v. Sarriok
PS FORM B
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TERRENOE j, M~CAnp.
LAW OFFiCeS
McCABE, WEISBERG & CONWAY, P.C,
SUITa 2080
FIRST UNION DUILDING
12l SOUTlI DROAD STRaET
PIlII.AOf:I.r1I1A, PUNNSYLVANIA 19101
(2Il) 790.1010
f',\XN (2Il) 790.1274
SUITa 201
ONE ORHHNTRaE Cf:NTRE
MARL TON, NJ 080l3.ll36
(609) 988.l447
FAXN (609) 988.9207
SUITE ONE D
1200 DUSTLETON PI~1.
FEASTeR VILLa, PA 190'7
SUITa ml
lOO FIFTII A vaNUE
NEW YORK, NY 10110
(212)m.1010
F.\XN(212) m.2l37
February 24, 1998
Elsie P. Barrick
22 Weist Road
Newville, PA 17241
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
PLEASE READ ALL OF THIS NOTICE
LENDER: American General Consumer Discount Company
ACCOUNT NUMBER: 13510273
MORTGAGE dated September 24, 1993 and recorded September 28, 1993
in Mortgage Book lJ.66, page 1008
REAL ESTATE: 22 Weist Road, Newville, PA 17241
Dear Elsie p, Barrick:
The MORTGAGE held by American General Consumer Discount
Company (hereinaft.er we, us or ours) on your. property located at 22
Weist Road, Newville, PA 17241 IS IN SERIOUS DEFAUI,7' because you
have not made the monthly payment of $347.60 for the month of
August, 1997 and $393.45 for the months of September, 1997 through
February, 1998, and/or because of this failure to remit.
Late char.ges, and other charges have also accrued to this date
in the amount of $0.00, The total amount. now r.equire~ to cure this
default, or in other words get caught up in your payments, as of
the date of this letter is $3,101.75.
w
You may cure this default within THIRTY (30) DAYS of the date
o~ this letter, by paying to UB the above amount of $3,101,75 plus
any additional monthly payments and late charge which may fall due
during this period. Such payment must be made either by cash,
cashier's check, certified check or money order and made to
American General Consumer Discount Company
c/o Terrence J. McCabe, Esquire
First Union BUilding
123 South Broad Street
Suite 2080
Philadelphia, Pennsylvania 19109
If you do not cure the default within THIRTY (30) DAYS, we
intend to exercise our right to accelerate the mortgage payments.
This means that whatever is owing on the original amount borrowed
will be considered due immediately, and you may lose t.he chance to
payoff the original mortgage in monthly inst.allments. If full
payment of the amount of default is not made within THIRTY (30)
DAYS, I have been instrLlcted to start a lawsuit to foreclose your
mortgaged property. If the mortgage is foreclosed, your mortgaged
property will be sold by the Sheriff to payoff the mortgage debt.
Once this matter is referred to me for suit, but you cure the
default before I begin legal proceedings against you, you will
still have to pay the reasonable attorney's fees, actually
incurred, up to $50.00. However, if legal proceedings are started
against you, you will have to pay the reasonable attorney's fees
even if they are over $50.00. Any attorney's fees will be added to
whatever you owe, which may also include reasonable costs. If you
cure the default within the thirty day period, you will not. be
required to pay attorney's 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 defaul t wi thin the thirty day period and foreclosure
proceedings have begun, you still have the right to cure the
default and prevent the sale at any time up to one hour before th€!
Sheriff's Foreclosure Sale. You may do so by paying t.he total
amount of the unpaid monthly payments plus any late or other
charges then due, as well as the reasonable attorney's fees and
costs connected with the foreclosure sale (and perform any other
requirements under the mortgage). It is estJ.mated that the
earliest. date 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 sent to you
before the sale. Of course, the amoLlnt needed to cure the default
will increase the longer you wait, You may find out at any time
exactly what the required payment will be by calling us at the
fOllOWing number: (215) 790-1010, 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 and your
ownership of the mortgaged property and your right to remain in it.
If you continue to live in the property after the Sheriff's Sale,
a lawsuit could be started to evict you.
You have additional right~ to help protect your interest 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 institution to payoff 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 attorney's fees and costs are
paid prior to or at the sale, and that the other requi.rements under
the mortgage are satisfied). Contact us to determine under what
circumstances this right might exist. You have the right to have
this default cured b}' any third party acting on your behalf.
If you cure the default, the mortgage will be restored to the
same position as if no default had occurred. However, you are not
entitled to this right to cure your default more than three times
in any calendar year.
NOTE I Unless you notify this office within thi.rty (30) days
after receiving this notice, that you dispute the validity of this
debt or any portion thereof, this office will assume that the debt
is valid. If you notify this office in writing within thirty (30)
days from receiVing this notice, this office will: obtain
verification of the debt or obtain a copy of jUdgment and mail you
a copy of such judgment or verification. You are also advised
that any information which you supply to this office may be used by
us in the collection of the debt, If you request this office in
writing within thirty (30) days after receiving this, this office
will provide you with the name and address of the original
creditor.
THE PURPOSE OF THIS COMMUNICATION IS TO COLLEC1' A DEBT AND ANY
INFORMATION OBTAINED WILL BE USED FO~ THIS PURPOSEL
Very truly yours,
TERRENCE J,. McCABE .
TJM/df
SENT VIA REGULAR MAIL
AND CERTIFIED MAIL - P 978 362 418
RETURN RECEIPT REQUESTED
elegible para un prestamo por el programa llamado "Homeowner's
Emergency Mortgage Assil:ltance Program" el cual puede flalvar BU Cl!lBl!l
de la perdida del derecho a redimir su hipoteca.
IMPORTANT I NOTICE OF
HOMEOWNERS' EMERGENCY MORTGAGE
ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE.
YOU MAY BE ELIGIBLE FOR
FINANCIAL ASSISTANCE WHICH CAN
SAVE YOUR HOME FROM FORECLOSURE
AND HELP YOU MAKE FUTURE
MORTGAGE ~
TOI
FROM:
RE:
Elsie P. Barrick
Terrence J. McCabe, Esquire
Premises: 22 Weist Road, Newville, PA ~7241
Account Number: 13510273
y
foreclosure on you:r mortgage if you
the Homeowners I Emergency Mortgage Assistance Act of 1983 (the
"Act"). You may be eligible for emergency temporary assistance if
your default has been caused by circumstances beyond your control,
you have a reasonable prospect of resuming your mortgage payments,
and if you meet other eligibility requirements established by the
pennsyl vania Housing Finance Agency. J2.leasp. read all of this
NQtice. ~ contains an explanation of your rights,
Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty (30) days from the date of
this Notice. During that time you must arrange and attend a "face-
to-face" meeting with a representative of this lender, or with a
designated consumer credit counseling agency. The purpose of this
meeting is to attempt to work out a repayment plan, or to otherwise
settle your delinquency. This meeting must OCcur in the.. next (30)
days,
If you attend a face-to-face meeting with this lender, or with
a consumer credit counseling agency identified in this notice, no
further proceeding in mortgage foreclosure may take place for
thirty (30) days after the date of this meeting.
My name, address and telephone number i;lS attorney for American
General Consumer Discount Company is as follows:
TERRENCE J. MoCABE, ESQUIRE
First Union Building
1~3 South Broad Street
Suite 2080
Philadelphia, Pennsylvania 19109
(215) 790-1010
The names and addresses of designated consumer credit.
oounseling agencies are shown on the attached sheet. It is only
neoessary to schedule one faoe-to-face meeting. You should advise
this lender immediately of your intentions.
Your mQztgage is in default because you have failed to pay
promptly installments of Pzinoipal aD~terest, as required, for
a period of at least sixty (60) days. The total amount of the
deHnquenoy is $3, J.01 ,75. That sum includes the following:
principal and interest.
Your mortgage is also in default for the following reasons:
N/A.
If you have tried and are unable to resolve this problem at or
after your face-to-face meeting, you have the 'right to apply for
financial assistance from the Homeowners' Emergency Mortgage
Assistance Fund. In order to do this, you must fill out, sign and
file a completed Homeowners' Emergency Assistance Application with
one of the designated oonsumer credit counseling agencies listed on
the attachment, 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 applioat.ion
and will submit your completed application to the Pennsylvania
Housing Finance Agency. Your a~lication must be filed or
postmarked, within thirt~ (30) days of your face-to-face meeting.
It is extremely important that you file your application
promptly. If you do not do so, or if you do not follow the other
time periods set forth in this letter, foreclosure may proceed
aga.ins t your home inunedia tely,
Available funds for emergency mortgage assistance are very
limited. They will be disbursed by the agency under the
eligibility criteria established by the Act.
It is ext~emely in\portant that your qpplication is accurat~
and complete in .f:.'&I'y respect, The Pennsylvania Housing Finance
Agency has sixty (60) days to make a decision after it receives
your application. During that additional time, no foreclosure
proceeding will be pursued against you if you have met the time
requirements set forth above, You will be notified directly by
that Agency of its decision on your application.
I
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!
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PENNSYLVANIA HOUSING PINANCE AGENCY
HOMEOWNERS' EMERGENCY MORTGAGE
ASSISTANCE PROGRAM
CONSUMER CREDIT COUNSELING AGENCIES
CUMBERL~ CO~
Consumer Credit Counseling Service of Western
Pennsylvania, Inc.
~OOO Linglestown Road
HarriSburg, Pa 17102
(717) 541-1757
Financial Services Unlimited
117 West 3rd Street
Waynesboro, Pa 17268
(717) 762-3285
Urban League of Metropolitan HarriSburg
25 N. Front Street
Harrisburg, Pa 17101
(717) 234-5925
FAX # (717) 232-4985
" .,'
YWCA of Carlisle
301 G Street
Carlisle, Pa 17013
(717) 243-3818
FAX # (717) 243-3948
,.4'
You may cure this default within 'fHIRTY (30) DAYS of the date
of this letter, by paying to us the above amount of $3,101.75 plus
any additional monthly payments and late charge which may fall due
during this period. Such payment must be made ei.tht'lr by cash,
cashier's oheck, oertified oheck or money order and made to
American General Consumer Discount Company
c/o Terrence J. McCabe, Esquire
First Union Building
123 South Broad Street
Suite 2080
Philadelphia, Pennsylvania 19109
If you do not cure the default within THIRTY (30) DAYS, we
intend to exerci~e our right to accelerate the mortgage payments.
This means that whatever is owing on the original amount borrowed
will be considered due immediately, and you may lose the chance to
payoff the original mortgage in monthly installments. If full
payment of the amount of default is not made within THIRTY (30)
DAYS, I have been instructed to start a lawsuit to foreolose your
mortgaged property. If the mortgage is foreclosed, your mortgaged
property will be sold by the Sheriff to payoff the mortgage debt.
Once this mat tel' is referred to me for sui t, but you oure the
default before I begin legal prooeedings against you, you will
still have to pay the reaElonable attorney's fees, aotually
incurred, up to $50.00. However, if legal proceedings are started
against you, you will have to pay the reasonable attorney's fees
even if they are over $50,00. Any attorney's fees will be added to
whatever you owe, which may also include reasonable costs. If you
cure the default within the thirty day period, you will not be
required to pay attorney's 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 day period and foreclosure
proceedings have begun, you still have the right to cure the
default and prevent the sale at any time up t.o one hour before the
Sheriff's Foreclosure Sale. You may do so by paying the t.otal
amount of the unpaid monthly payments pI us any late or other
charges then due, as well as the reasonable attorney's fees and
costs connected with the foreclosure sale (and perform any other
requirements under the mortgage). It is estimated that the
earliest date 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 sent to you
before the sale. Of course, the amount needed to cure the default
will increase the longer you wait. You may find out at any time
exactly what the required payment will be by calling us at the
following number: (215) 790-1010, 'rhis 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 I s Sale will end YOUl'
ownerahip of the mortgaged property and your right to remain in it,
If you continue to live in the property after the Sheriff's Sale,
a lawauit could be started to evict you.
You have additional rights to help protect your interest 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 institution to payoff 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 attol'nay 18 fees and costs are
paid prior to or at the sale, and that the other requirements under
the mortgage are satiofied). 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 the defaul t, the mortgage will be restored to the
same position as if no default had occurred. However, you are not
entitled to this right to cure your default more than thres times
in any calendar year.
NOTE I Unless you notify this office within thirty (30) days
after receiving this notice, that you dispute the validity of this
debt or any portion thereOf, this office will assume that the debt
is valid. If you notify this office in writ.ing within thirty (30)
days from receiVing this noUce, this office will: obtain
verification of the debt or obtain a copy of jUdgment and mail you
a copy of such jUdgment or verification. You are also advised
that any information which you supply to this office may be used by
us in the collection of the debt, If you request this office in
writing within thirty (30) days after receiving this, this office
will provide you w.i.th the name and address of the original
creditor. .
= PURPOSE OF THIS COMMUNICATION IS TO COLLECT A DEBT AND ~
INFORMATION OBTAINED WILL BE USED FOR THI~-RURPOSE.
Very truly yours,
TJM/df
TERRENCE J. McCABE '
SENT VIA REGUL,AR MAIL
AND CER'I'IFIED MAIL - P 978 362 416
RETURN RECEIPT REQUESTED
.
TERRENCE J. McCABE, ESQUIRE
First Union Building
123 South Broad Street
Suite 2080
Philadelphia, Pennsylvania 19109
(215) 790-1010
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 immediately of your intentions.
Your mort9age 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 $3,101.75. That sum i.ncludes the following:
principal and interest.
Nil"
Your mortgage is also in default for the following reasons:
If you have tried and are unable to resolve this problem at or
after your face- to- face meeting, you have the right to apply for
financial assistance from the Homeowners' Emergency Mortgage
Assistance Fund. In 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 counseling agency. The consumer credit
counseling agency will assist you in filling out your application
and will submit your completed application to the Pennsylvania
Housing Finance Agency. Your application must b:~ f~~:~ ~r
postmarked. within thirty (30) days of your face-to-f e in .
It is extremely important that you file your application
promptly. If you do not do so, or if you do not follow the other
time periods set forth in this letter, foreclosure may proceed
against your home immediately.
Available funds for emergency mortgage assistance are very
limited, They will be disbursed by the agency under the
eligibility criteria established by the Act.
It is extremely ~rtant that your application is accurate
and complete in every respect, The Pennsylvania Housing Finance
Agency has sixty (60) days to make a decision after it receives
your application, During that additional time, no foreclosure
proceeding will be pursued against you if you have met the time
requirements set forth above. You will be notified directly by
that Agency of its decision on your application,
The Pennsylvania Housing Finance Agency is located at 2101
North, Front Street, Post Office Box 8029, Harrisburg, Pennsylvania
NEW MATTER
12. Paragraphs 1 through 11 above ure incorporated by reference
herein as though set forth in full.
13. On or about September 241 1993, Defendants Quinter E. Barrick
and Treva J. Barrick signed a Mortgage.
14. The amount of the Mortgage was not inserted at the time that
Defendants Quinter E. Barrick and Treva J. Barrick signed the
Mortgage.
15. Prior to signing the Mortgage document, Defendants Quinter E.
Barrick and Treva J. Barrick were informed by one of Plaintiff's
employees that an amount of approximately $ 11,000.00 would be
inserted onto the Mortgage as the principal balance.
16. Sometime during 1997, Defendants Quinter E. Barrick and Treva J.
Barrick learned that the sum of $ 19,857.23 had been inserted by
Plaintiff's office.
17. In signing the Mortgage, Defendants Quinter E. Barrick and
Treva J. Barrick relied on the verbal representation that the
mortgage amount that was to be inserted would be approximately
$ 11,000.00.
18. The Mortgage represents an illegal contract and is therefore
unenforceable.
19. The insertion by Plaintiff of the larger amount, $ 191857.23,
was against public policy and therefore renders the Mortgage
unenforceable.
20. At no time did Defendants Quinter E. Barrick and Treva J.
Barrick indicate their consent to or their acceptance of the sum
McCABE, WEISBERG, & CONWAY, P,C,
BY: TERRENCE J. McCABE, ESQUIRE
MARC S. WEISBERG, ESQUIRE
IDENTIFICATION NUMBB~R I 16496/17616
123 South Broad Street, Suite 20BO
Philadelphia, PA 19109
(215) 790-1010
Attorney for Plaintiff
AMERICAN GENERAL CDC CUMBERLAND COUNTY
COURT OF COMMON PLEAS
v,
DAVID J, BARRICK AND ELSIE p,
BARRICK, QUINTER E. BARRICK AND
TREVA "T. BARRICK NO. 98-2655
ORDER
AND NOW, this
day of
, 1998,
upon consideration of Plaintiff's Motion for Summary Judgment and
Defendant's response thereto, it is hereby ORDERED and DECREED
that summary jUdgement in Mortgage Foreclosure is GRANTED and
judgment is entered against Defendants, in the amount of
$16,930.18, together with interest at a rate of $6.40 per diem
from April 14, 1998.
BY THE COURT:
J.
said mortgage is attached hereto, made a part hereof and marked
as Exhibit "A".
4. The premises encumbered by the subject mortgage is all
that certain real property and improvements in the county of
Cumberland and Commonwealth of Pennsylvania, being more fully
described in the mortgage attached hereto as Exhibit "A",
5. On or about September 24, 19~3, Plaintiff, filed a
mortgage foreclosure action against Defendants, A copy of the
Complaint is attached hereto, made a part hereof and marked as
Exhibit "B".
6. Thereafter, Defendants, answered Plaintiff's Complaint.
See Exhibit "C".
6-A, Plaintiff filed its reply to Defendant's New Matter
thereafter timely. (See Exhibit "D").
7. Additionally, Plaintiff filed a Request for Admissions
(Exhibit E) on or about July 2, 1998, which Defendants admit by
admissions and nebulous answers, the defaulted loan and admit to
receiving legal Act 6 and 91 letters and in fact admit are
pertinent allegations of Plaintiff's Complaint with regard to
default arrearage and notice. (See Exhibits E, F&G)
B. Defendants answer to Plaintiff's Complaint and Request
for Admissions admits that they are the record owners of the
property in question and that Plaintiff has a mortgage. on it and
it is in default and Act 6 Notice of Intent to Foreclose was sent
and received, as was Act 91 Notice. (See Exhibit "G").
9. Accordingly, it is admitted that there is a balance due
on the mortgage in the amount of $16,930.18 and that the interest
per diem is $6.40 and that on or about February 24, 199B,
Pldnt.iff sent Act 6 and 91 lett.ers which were received by the
Defendants and that those letter in fact, complied with all
statutory requirements, (See Exhibit.s "E,F'&G").
10. The Complaint., and Affidavit. of Bernie Hardy,
Plaintiff's foreclosure specialist attached hereto and
incorporat.ed into this Motion, as Exhibit "H", sets forth the
exact amount that Defendants owe Plaintiff, and Defendants have
not come forth with any supportable information to rebut this
allegat ion.
11. The attorney's fees and costs, as requested by
Plaintiff in the Complaint, are reasonable, and are in conformity
with Pennsylvania Law and will be collected in the event that
sufficient funds are available from a third party purchase at
Sheriff I s Sale.
12. All procedural local, state, and federal rules,
regulations, and laws with respect to mortgage foreclosure have
been complied wit.h by Plaintiff.
13. There are no issues of material fact remaining, and
Plaintiff is entitled to summary judgment on its mortgage
foreclosure action against Defendants, as a matter of law.
Wherefore, Plaintiff requests this Honorable Court grant
summary judgment in Mortgage Foreclosure in favor of Plaintiff
and against Defendant and enter judgment against Defendants in
McCABE, WEISBERG, & CONWAY, P,C.
BY: TERRENCE J. McCABE, ESQUIRE
MARC S. WEISBERG, ESQUIRE
IDENTIFICATION NUI~BER: 16496/17616
123 South Broad Street, Suite 2080
Philadelphia, PA 19109
(215) 790-1010
Attorney for plaintiff
AMERICAN GENERAL CDC
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
v,
DAVID J, BARRICK AND ELSIE P.
BARRICK, QUINTER E. BARRICK AND
TREVA J. BARRICK
NO. 98-2655
MEMORANDUM OF LAW IN SUPPORT OF PLAINTIFF'S
MQllQR FOR SUMMARY JUDGMEN'I-IlLHQ}l.TGAGE FORECLOSURE
The purpose of the summary judgment procedure is to prevent
vexation and delay, improve the machinery of justice, promote the
expeditious disposition of cases and avoid unnecessary trials
when there does not exist a genuine issue of material fact.
Specifically, Rule 1035 of the Pennsylvania Rules of Civil
procedure provides, in pertinent part, that:
(b) [t) he judgment sought shall be rendered if the
pleadings, depositions, answers to
interrogatories, and admissions on file, together
with the affidavits, if any, show that there is no
~nuin~ issue as to any material fact and that the
movin9 party is entitled to jud9ment as a matter
QLl.a!lL.
Pa.R.C.P. 1035(b) (emphasis added). ~ a.laQ Williams v, pil\1rim
Life Insurance.J::.Q...., 306 Pa, Super. 170, 452 A.2d 269 (1983).
The burden of demonstrating that there is no genuine issue
of material fact rests on the moving party. Hower v. Whitmak
AS8oc~, 371 Pa. Super, 443, 538 A,2d 524 (1988); Carollo v. 48
Insulatton~.....lllo...., 252 Pa. Super 422, 381 A,2d 990 (1.977). Once
such a showing is made, summary judgment is appropriate where the
adverse party is unable to produce probative evidence to the
contrary, To this end, the adverse pal"ty may not claim that. the
averments of his/her pleadings, alone, are sufficient to raise a
genuine issue of fact BO as t.o defeat the motion. The adverse
party must set forth specific facts showing there is a genuine
issue of fact for trial. ~ Phaff v. Gerner, 541 Pa. 146, 303
A.2d 826 (1.973); Pape v. Smith, 27'7 Pa. 80,323 A.2d 856 (1974);
Amabile v. Auto Kleen Car Waah, 249 Pa. 240, 376 A.2d 247 (1977).
In the case at bar, the pleadings, exhibits, and Affidavit
of Bernie Hardy, Plaintiff's foreclosure specialist and request
for admissions establish conclusively that there are no genuine
issues of material fact, and, thus, this case is ripe for summary
judgment. Further, Defendant's pleadings indicate that PlaintHf
is entitled to judgment as a matter of law.
Firstly, in their answer and in Request for Admission!l,
Defendants admit directly or by indefinite denial, (1) that they
are the owners of the property located at 22 Weist Road,
Newville, PA 17241; (2) there is a mortgage Oll it; and (3) the
mortgage is in default and Act 6 & 91 Notices were sent and
received.
Defendants' Answer t.o Plaintiff's Complaint in Mortgage
Foreclosure, ~onsists of admissions as well as indefinite denials
or evasions which are not substantiated with corroborating
evidence. Pennsylvania Rules of Civil Procedure, Rule 1029(b)
states that, " [a)verments in a pleading to which a responsive
pleading is required are admitted when not specifically denied or
by necessary i.mplications", Pa,R.C,P, 1029(b), Thus, unless the
Defendant wishes an allegation to be regarded as admitted, the
Defendant must specifically deny each allegation of fact
contained in a Complaint to which a responsive pleading is
required. GENERAL DENIALS- OR DEMANDS FOR PROQE. HAVE THE EFFECT
OF ADMISSIONS. Any form of general denial or general demand for
proof is an adn\ission, ~ First Wisconsin Trust Co. v.
.s..trausser, et, a!., 6:'3 A.2d 688 (Pa, Super. 1995) ("[T]his Court
has held, however, that in mortgage foreclosure actions, general
denials by mortgagors that they are without sufficient
information to form a belief as to the truth of the averments as
to the principal and interest owning must be considered an
admission of fact") (citing New York Guardian Mortgage Corp, v.
Dietzel, 362 Pa. Super. 426, 429,524 A.2d 951,952 (1987)). ~
ala.Q 5 Standard Pennsylvania practice.2..d. ~26: 41. It would appear
then that "bare allegations of lack of knowledge" are also
admissions. .s.e..e..!.d. at ~26:41,
The Complaint, Answer and Affidavit of Bernie Hardy,
Plaintiff's foreclosure specialist and Request for Admissions
clearly sets forth the amount due and owing on the Mortgage. The
pleadings and relevant material are absent of any supported,
documented dispute as to this figure.
Additionally, the request for attorney's fees in the amount
of $1,500,00 is reasonable and permitted by law as provided in
the mortgage charged at reasonable rates given all of the work
done in reaching this point and is reasonable per se. See
Jl:edland Bank...o.f Baltimore v. Philip J.....E.etner. 410 A.2d 344 Pa,
Super (1979), This disposes of any legal issue raised by
Defendant in that regard.
Further, the Complaint, Request for Admissions and Affidavit
of Bernie Hardy, Plaintiff's foreclosure specialist clearly sets
forth that proper notices required by Act 6 of 1974 (41 P.S,
~403) and the Emergency Mortgage Assistance Act of 1983 were
forwarded to Defendants, who admit receiving them.
Indeed, Defendants could not refute with any supportive
documentation any of Plaintiff's allegations and admit in their
answer that they: (1) own the house; (2) there is a mortgage on
it; (3) the mortgage is in default; (4) they have not paid the
mortgage; and (5) they received all statutorily required notices.
In point of fact, Defendants' only defense is they received
$11,000.00 approximately at the loan closing instead of
$19,857.23 as agreed. This is belied by the fact that while
Defendant's received $11,000.00 approximately at closing the
balance of the monies went to pay insurances, finance costs,
appraisal costs and the payoff of a prior loan to Plaintiff.
The Defendants' erroneous defense is shown to be
indisputi.bly incorrect by Exhibit I, (Letter of Explanation,
checks, loan documents, showing disbursements to $19,857.23).
Summary judgment based upon contractual liability is
appropriate when the documents are undisputed and there is no
question as to the contracting parties' intent. ~,~, ~
Revere Protective Lik Ins. Co, v. Weis, 535 F.Supp. 379 (E.D.
Pa, 1981); Kane Gas Light & Heating Co. v. Pennzo!l Co~, 587
AHER.GEN.FIN,
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McCABE, WEISBERG ~ CONWAY, P.C.
BY, TERRENCE J. MoCABE, ESQUIRE
Identifioation Number 16496
Firat Union Building
123 South Broad Street, Suite 2080
Philadelphia, Penn8y1vania 19109
(215) 790-1010
Attorney for Plaintiff
American General Consumer
Discount Company
6 South Hanover Street, Box 417
Carlisle, PA 17013
v,
David J, Barrick
25 E, Main Street
Newville, PA 17241
and
Elsie P. Barrick
13 North Corporation Street
Newville, PA 17?41
and
Quinter E. Barrick and
Treva J, Barrick
8 Conifer Road
Newville, PA 17241
Cumberland County
Court of Common Pleas
1 0 ~ 0< ft;63~ (!~
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NOTICE AVISO
CIVIL ACTION/MORTGAGE FO~E~~SUBI
You have been .ued tn court. If you whh to defend Le hen ffna a 0 . ustod en le corte. II usttd
IgllrlSt the claims ut forth in the following qui ere defenders. de e9tns demandas 'K4~I'U.& en
pag.s, you l1JJst uk. .ctlon within twonty (20) d.ys las p.gln.. .Igul.nt.., ust.d tl.n. v.lnt. (20)
lit" this c""l'l.lnt .nd notice Ire .erv.d, by die. de plazo.1 partir de I. loch. de '0 d_ndl y
entering e written appearance personalty or by la notlficaclon. Heee falta esentar una
attorney and filing in writing with the court your carpal'~la escrlu 0 en persona 0 con un abogado y
defenses or objections to tho claims set fOI'th entregar e Ie corte en forma e~cr'ta BUS defenses 0
against you. You are werntd that if you faft to do sus obJeclones a lIS demandas en contrd de au
so the Cl!ISe mbY proceed without you end a Judgment persona. Sea avisado que 51 usted no It dtffende,
may be entered against you by the court without 1a corte tomara medldos y puede continuer la
further notice for any money claimed in the demanda en contra suya sin previa IViso 0
complaint or for lIny other claim or rei hd not I ffclclon. Ademas, la corte puede dec:ldlr 1I
reque.ted by the plllntlff, You Il\llY lose money or f.vor del d'll\llndant. y I'.qul"e que usteel c~l.
property or other rights important to you. con todas tas provislones de csta d&manda. Usted
puede perder dinero 0 sus propledades U otros
dercchos lmpor'tantcs paril L,stod. \
YOU SHOUI.D T AKr, THIS PAPER TO YOUR
LA WYER AT ONCE. IF YOU DO NOT H1\ VE i\
LAWYER OR CANNOT AFFORD ONE, 00 TO OR
TELEPHONE 11lE OFFICE SET FORTH BELOW TO
FIND OUT WHERE yOU CAN GET HELP
I.LEVE ESTA DEMANDA A UN AROOADO
INMEDIATAMEtof:T'. SI NO TIENI.: ABOUADO 0 SI
NO TIENE EL DlNERO SlJFICIENTE DE PAGAR
TAL SERVICO, VAYA EN PERSONA 0 LLAME
POR TELEFONO A LA OFICINA CUY A DlRECCION
SE ENClJENTRA ESCRITA A13AJO PARA
AVERIOlJAR DONDE SE PUEDE CONSEGlJlR
ASISTENCIA LEGAL
CurrOOnand Count~. Bar Association
2 Liberty Avenu,
Carll.le, PA 17013
(717) 249-3166
Cumber lond County Bar Ass()c i at, on
2 L i bony Avemlc
CarliSle, PA 17013
(717) 249'3166
I
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DAVID J. BARRICK, ELSIE P. I
BARRICK, QUINTER E. BARRICK I
and TREVA J. BARRICK, I
Defendants I
AMERICAN GENERAL CONSUMER
DISCOUNT COMPANY,
Plaintiff
IN THE COURT OF COMMON PLEAS .
CUMBERLAND COUNTY, PENNSYLVANIA
v.
CIVIL ACTION - LAW
98-2655
CIVIl. TERM
JURY TRIAL DEMANDED
ANSWER AND NEW MATTER
AND NOW comes the Defendants, QUINTE:R E, BARRICK and TREVA J,
BM1UCI\, by and thlough their attorney, Richard L, Webber, Jr" and
files this Answer an,d New Matter, averring the following:
1, - '7, ADMITTED,
8, - 10, Defendants Quinter E, Barrick and Treva J, Barrick lack
sufficient information to form a belief as to the averments
c'ontained in these paragraphs,
Those averments are therefore
DENIED, and strict pJ:Oof is demanded at trial,
11 , ADt1J'l"l'ED,
WHEREFORE, Defendclllts l:e(1pectfully requests judgment. in their
favor and against Plaintiff,
NEW MATTER
12. Paragraphs 1 through 11 above are incorpora ted by reference
herein as though set forth in full.
13. On or about September 24, 1993, Defendants Quinter E. Barrick
and Treva J. Barrick signed a Mortgage.
14. The amount of the Mortgage waR not inserted at the time that
Defendants Quinter E. Barrick and Treva J. Barrick signed the
Mortgage.
15. Prior to ~igning the Mortgage document, Defendanta Quinter E.
Barrick and Treva J. Barrick were informed by one of Plaintiff's
employees that an amount of approximately $ 11,000.00 would be
inserted onto the Mortgage as the principal balance.
16. Sometime during 1997, Defendants Quinter E. Barrick and Treva J.
Barrick learned that the sum of $ 19,857.23 had been inserted by
Plaintiff's office.
17. In signing the Mortgage, Defendants Quinter E. Barrick and
Treva J. Barrick relied on the verbal representation that the
mortgage amount that was to be inserted would be approximately
$ 11,000.00.
18. The Mortgage represents an illegal contract and is therefore
unenforceable.
19. The insertion by Plaintiff of the larger amount, $ 19,857.23,
was against public policy and therefore renders the Mortgage
unenforceable.
20. At no h:-:-,d :"~d Defendants Quinter E. Barrick and 'l'reVa J.
Barrick illclicdr.(: th'~'i r con::;t~nt. to Ol~ '-:11(:11' ,:lCcupt,Ctl"lCI' ;)f ['hu sum
You may cure this default within THIRTY (30) DAYS of the date
of this lettet', by paying to us the above amount of $3,101. 7S plus
any additional monthly payments and late charge which may fall due
during this period. Such payment must be made either by cash,
cashier's check, certified check or money order and made to
American General Consumer Discount Company
c/o Terrence J, McCabe, Esquire
First Union Building
123 South Broad Street
suite 20BO
Philadelphia, Pennsylvania 19109
If you do not cure the default within THIRTY (30) DAYS, We
intend to exercise our right to accelerate the mortgage payments.
This means that whatever is owing on the original amount borrowed
will be considered due immediately, and you may lose the chance to
payoff the original n\ortgage in monthly installments, If full
p<\yment of the amount of def<\ult is not made within THIRTY (30)
DAYS, I have .been instructed to start a lawsuit to foreclose your
mortgaged property, If the mortgage is foreclosed, your mortgaged
property will be sold by the Sheriff to pay off the mortgage debt.
Once this matter is referred to me for suit, but you cure the
default before I begin leg<ll proceedings against you/ you will
still have to pay the reasonable attorney' sfees / actually
incurred, up to $50.00, However, if legal proceedings are started
against yeu/ you will have to pay the reasonable attorney's fees
even if they are over $50.00, A.~y attorney's fees will be added to
whatever you owe, which may also include reasonable costs, If you
cure the default within the thirty day period, you will not be
required to pay attorney's fees,
We may also sue you personally for the unpaid principal
balance and all other sums due undsr the mortgage, I f you have not
cured the default ~lithin the thirty day period and foreclosure
proceedings have begun, you still have the right to cure the
default and prevent the sale at. any time up to one hour before the
Sheriff's Foreclosure Sale, You may do so by paying t.he total
amount Llf thE' unpaid mont:hly paymE~ntE pllH1 any 1 att:: or ot:\hl?~:
charges then due, as well as the reasonable attorney's fees an~
costs connected with the foreclosure sale (and perform any othe~
requirements under the mortgage), It is estimated that th.:,
earliest date that such a Sheriff I s Sale could be held would be
approximately 5 months,
A notice of the date of the Sheriff Sale will be sent to yo~
before the sale, Of course, the amount needed to cure the defaul:
will increase the longer yo~ wait, You may find ou: at any tims
exactly what the required p"yment. will be by calling us at th~
followin'2 numb~:r: (215) 7%-1010. This payment mus: be in cas~.
cashier's check, certified check or money order and made payable ::
us at the address stated abJve,
, .
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 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 interest 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 instit.ut.ion to payoff 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 attorney'S fees and coste are
paid prior to or at the sale, and that the otheL' requirements under
the mortgage are satisfied), 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 the default, the mortgage will be restored to the
same position as if no default had occurred, However, you are not
entitled to this ,right to cure your default more than three times
in any calendar year.
NOTE I Unless you notify this office within thirty (30) days
after receiving this notice, that you dispute the validity of this
debt or any portion thereof, this office will assume that the debt
is valid. If you notify this office in writing within thirty (30)
days from receiving this notice, this office will: obtain
verificati.on of the debt or obtain a copy of judgment and mail you
a cOFY of such judgment or veri fication, You are also advised
that any information which you supply to this office may be used by
us in the collection of the debt, If you request this office ir.
writing within thirty (30) days after receiving this, this office
will provide you ~Iith the name and address of the original
creditor,
:mE PtJR?QSE QF' THIS COMMUNICATION IS TO COLLECT A DEBT AND ANY
INFORMATION ~BTAINED WILL BE USED FOR THIS PURPOSE,
Very truly yours,
TERRENCE J, MoCABE
TJ~1/ d f
SENT VIA R8GULAR t'lAIL
;AlID ~ER'I'H'IED MAIL - P 978 362 422
RETURN RECEIPT REQUESTED
. I....., "
,.,.
:.....
, ,
P "176 :alia Itaa
TOI
Treya J. Barrick
8 Conifer' Road
Newville, PA 17241
SENDERI Tenence J. McCabe I Eequire
REFERENCE: American GenerAl y, Barrick
1 95
0.32
1. 35
'.----r;rO
X
i
i RETURN
i RECEI~T
I SEAVICf
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POSTMARK OR DATE
"
US Postal Sarvlce
Receipt for
Certified Mall
No Insurance Coverage Provfded
00 nol uS<llor Int.rnatlonal Mall
,.,."",,,,,,,.',,,,,,,,,,.,,,,,,,,,,,,,,,.,,,,"
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l\r,,~r!can lIencual ", P.ilL'rick
SBNDBR:
Terrence J, McCabe, E.quir~
....,..,',.,.,""',.,.."""."".",....."",,,,,,,.,.
I elso w sh to ,ee.lve the
following se...lc. (for .n exlla fM):
1 0 AOO......'. 2 0 IlU'INcnn
f ADDRISS , 0ILJVIR'1
Consult poslmast.r for foe,
' 4., Article Numb.r
I
I
3, Artlcl. Addr.ss.d to:
Treya J. Barrick
e Conifer. Road
Newville, PA 17241
P "17 a 3 62 It 22
i:lliilllllllllllllllllllllllllllllllllllllllllililllmll
I
I
I fi:. tI ,.. IV '1 l ,j 17. (~ .1 . \ / c.. Iv
f5,""'.c.lved By: (Print Nam.!
I .. L..#'A-.-...h ;;<:.~, --V7?'~~
i 6:'Slgnature: (Addr..... or Ag.nt)
I
!
i PS Form 3811. Sept.mber 1995
I
Domestic Return Receip';
elegible para un prestllmo par el programll llamado "Homeowner's
Emergency Mortgage Assistance Program" el oual puede salvar au oan
de la perdida del dereoho a redimir eu hipoteca.
IMPORTANT, NOTICE OF
HOMEOWNERS' EMERGENCY MORTGAGE
ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE.
YOU MAY BE ELIGIBLE FOR
FINANCIAL ASSISTANCE WHICH CAN
SAVE YOUR HOHE FROM FORECLOSURE
AlfILHEl,1' YOU MAKE FUTUU
MQRIQ~ PAYMENTS
TO:
FROM:
RE:
Treva J, Barrick
Terrence J. McCabe, Esquire
Premises: 22 Weist Road. Newville, PA .17241
Account Number: 13510273
You may be eliaible for financial assl stance that will prevent
foreclosure on your mortgage if you comply with the provisions of
the Homeo~mers I Emergency Hortgage Assistance Act of 1983 (the
"Act"), Vou may be eligible for emergency temporary assistance if
your default has been caused by circumstances beyond your control,
you have a reasonable prospect of resuming your mortgage payments,
and if you meet other eligibility requirements established by the
pennsyl vania Housing Finance Agency, PleaAe read all of this
N,Qtice, It contains an explanatio.n of your rights~.
Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty (30) days from the date of
this Notice, During that time yo~ must arrange and attend a "face-
to-face" meeting with il n::pn;[;c:nu.tive of this lender, or ~1ith "
designated consumer credit counseling agency. The purpose of this
meeting is to attempt to ~:or}; out a repayment plan, or to ot.herwise
settle your delinquency, Ihi~ meeti~ must~ux-in the next (3Ql
days,
If you attend a face-to-face meeting with this lerider, or with
a consumer credit counseling agency identified in this notice, no
further proceeding in mortgage foreclosure may take place for
thirty (30) days after the date 0: this meeting.
l'ly name, address and telepho:'.~ number as attorney fo~' America:.
General Consumer Di.f;ccr,mt compar,j' i.s 0<8 follows:
TERRENCE J. McCABE, ESQUIRE
First Union BUilding
123 South Broad Street
Suite 2080
Philadelphia, Pennsyl~'nia 19109
(215) 790-1010
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 immediately of your intentions,
Your mortaage is in default because you have failed to pay
promptly i.nstallments of principal and interest, as required, for
a period of at least sixty (60) days, Thfl total amount of the
delinquency is $3,101.75, That sum includes the following:
principal and interest,
N/A,
Your mortgage is also in default for the following reasons:
If you have tried and are unable to resolve this problem at or
after your face-to-face meeting, you have the rj.ght. to apply for
financial assistance 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 with
one of the designated consumer credit counseling agencies listed on
the attachment. An application for assistance may only be obtained
from a consumer eredi t counseling agency, The conSUf:'.er credi t
counseling agency will assist you in filling out your application
and will submit your completed application to the Pennsylvania
Housing Finance ,'1gency, Your application must ~ filed or
postmarked, ~in thirty (30) days of your face-to-face meetinq,
,I
It is extremely important that you file YOU!' applicatior:
promptly. If you do not do so, or if you do not follow the other
time periods set forth .in this letter, foreclosure may proceed
Bgains t your home imrnedia tel}',
\
Available funds for emergency mortgage assistance are very
limited, They Id.ll be disbursed by the agency under the
eligibility criteria established by the Act.
l.L~'ls extremely iffillQ.rtant tnat your applicatiQn. ,is accurate
and. complete in every respect, The Pennsylvania Housing Finance
]I,gency has sixty (60) days to make a decision after it receives
your applicat.ion, During that addit.ional time, no foreclosure
proceeding will be pursued against you if you have me= the time
requirements set forth <<Dove, YOll will be notified directly b::
that Agency of its decisiD~ on your application,
The Pennsylvania Housing Finance Agency is located at 210~
North Front Street, Post Office Box 8029, Harrisburg, Pennsylvania
PBNNSYLVANIA HOUSING FINAllCE AGENCY
HOMEOWNERS' EMERGENCY MORTGAGE
ASSISTANCE PROGRAM
CONSUMER CREDIT COUNSELING AGENCIES
tUMBERLAND COUNTY
Consumer Credit Counseling Service of Western
Pennsylvania, Inc.
2000 Linglestown Road
Harrisburg, Pa 17102
(717) 541~1757
Financial Services Unlimited
117 West 3rd Street
Waynesboro, Pa 17268
(717) 762-3285
Urban League of Metropolitan Harrisburg
25 N. Front Street
HarriSburg, Pa 17101 , ,;",...
('117) 234-5925
FAX # (717) 232-4985
YWCA of Carlisle
301 G Stt"eet
Carlisle, Pa 17013
(717) 243-3818
FAX # (717) 24,3-394,8
f 4'
You may cure this default within THIRTY (30) DAYS of the date
of this letter, by paying to us the above amount of $3,101. 75 plus
any additional monthly payments and late charge whIch n\ay fall due
during this period. Such payment must be made either by cuh,
cashier's check, certified check or money order and made to
American General Consumer Discount Company
c/o Terrence J, McCabe, Esquire
First Union Building
123 South Broad Street
Suite 2080
Philadelphia, Pennsylvania 19109
If you do not cure the default within THIRTY (30) DAYS, we
intend to exercise our right to accelerate the mortgage payments,
This means that whatever is owing on the original amount borrowed
will be considered due immediately, and you may lose the chance to
payoff the original mortgage in monthly installments, If full
payment of the amount of default is not made within THIRTY (30)
DAYS, I have been instructed to start a lawsuit to for~close your
mortgaged property, If the mortgage is foreclosed, your mortgaged
property will be sola by the SherIff to payoff the mortgage debt.
Once this matter is referred to me for Buit, but you cure the
default before I begin legal proceedings against you, you will
still have to pay the reasonable attorney's fees, actually
incurred, up to $50.00. However, if legal proceedings are started
against you, you will have to pay the reasonable attorney's fees
even if they are over $50,00, Any attorney's fees will be added to
whatever you owe, which may also include reasonable costs, If you
cure the default within the thirty day period, you ~Iill not be
required to pay attorney's fees,
l'Ie 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 ~Iithin the thirty d:iy period and foreclosure
proceedings have begun, you still have the right to cure the
default and prevent the sale at any time up to one hour before the
Sheriff's Foreclosure Sale, You ",:iy do so by paying the total
ar:,:,'Jnt. of the unpaid r::1:Jt.hly payments plus any late' or otper
charges then due, as \<lell as thE:: :reaso:-jable at tarney I s Eees and
coscs connected with the foreclosure sale (and perform any other
re::Juirements unde!' the r,:>rtgE,gel, It is estimated that the
ea~liest date 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 sent to you
bet:>re the sale, Of course, the aIT,:>unt needed to cure the default
will increase the longer you wait. You may find out &t any time
exactly what the required paymen: \.:ill be by calling '.:S at the
fCllowing number: (21~) 790-1010. !his payment must be in cash,
cas~~erls check, certified chec}; O~ ;~)ney order and made ~ayable tc
us at the address stated above,
-(,' \'
You should realize that a SheriH I f.l Sale will end your
ownership of the mortgaged property and your right to remain in it.
If you continue to live in the property after the Sheri ff '8 Sale,
a lawsuit could be started to evict you.
You have addi t ional rights to help protect your interest in
the property. You have the right to sell the property to obtain
mone}' to payoff the mortgage debt, or to borrow money from another
lending institution to pay off this debt, (Yoll 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 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 have the right to have
this default cured by any third party acting on your behalf,
If you cure the default, the mortgage will be restored to the
same position as if no def.aul t hao occurred, However, you are not
entitled to this right to cure your default more than three times
in any calendar year.
NOTE I Unless you notify this off.ice within thirty (30) days
after receiving this notice, that you dispute the validity of this
debt or any portion thereof, this office will assume that the debt
is valid. If you notify this office in writing within thirty (30)
days f:t:om receiving this notice, this office will; obtain
verification of the debt or obtain a copy of judgment and mail you
a copy of such judgment or verification, You are also advised
that any information which you supply to this office may be used by
us in the collection of tbe debt, If you request t.his of.fice in
writing within thirty (30) days after receiving this, this office
. will provide you ~lith the name and address of the original
ered i tor,
IHE-Effi.POSE OF THIS COMHUllICAUON IS TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED WtLL BE USED FOR THIS PURPOSE~
\
Very truly yours,
TERRENCE J, McCABE
"JM/df
SBNT VIA REGULAR t'LIIIL
~~ID CERTIFIED t-lAIL - P 978 362 ~20
2BTURN RECEIPT REQUESTED
elegible para un prestamo por el programa Hamado "Homeowner'8
Emergency Mortgage Assistance program" el cud puede 8alvar 8U clla
de la perdida del derecho a redimir 8U hipoteca.
IMPORTANT, NOTICE OF
HOMEOWNERS' EMERGENCY MORTGAGE
ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE.
YOU MAY BE ELIGIBI,E FOR
FINANCIAL ASSISTANCE WHICH CAN
SAVE YOUR HOME FRO~1 FORECLOSURE
AND HELP YOU MAKE FUTURE
MORTGAGE PAYMENTS
TOI
FROM:
RE:
Quinter E. Barrick
Terrence J. MCCabe, Esquire
Premises: 22 Weist Road, Newville, PA 17241
Account Number: 13510273
You may be eligible for financial assistance that will'prevent
foreclosure on your mortgage if you comply with the provisions of
the Homeowners I Emergency ~Iortgage Assistance 1:.ct of 1983 (the
. "Act"). You may be eligible for emergency temporary assistance if
your defaul t has been caused by circumstances beyond your control,
you have a reasonable prospect of resuming your mortgage payments,
and if you meet other eligibility requirements established by the
Pennsylvania Housing Finance Agency, Elease read all of this
Notice, _It contains an explanation Qi your rights,
Under the Act, YO'J are entitled to a temporary stay of
foreclosure on your mortgage for thirty (30) days from the date of
this Notice, During that time you must arrange and attend a "face-
to-face" meeting \'Iith " ':<:presentative of this lender, or ~Iith [,
designated consumer credit counseling agency, The purpose of this
meeting is to attempt to w:nk out a repayment plan, or to otherwise
settle your. del inquency, Ih~meet ina must-.Qccur in the next (30)
,days,
If you attend a face-to-face meeting with this len'der, or with
a consumer credit counseling agency identified in this notice, no
further proceeding in Dortgage foreclosure may take place for
thirty (30) days after the date of this meeting,
I'll" name, <,ddres3 ar,:j tdephone number as at torney fel:' Americar
General Consumer Discount Company is as follows:
TERRENCE J. MoCABE, ESQUIRE
First Union Building
123 South Broad Street
Suite 2080
Philadelphia, Pennsylvania 19109
(215) 790-1010
The names and addresses of designated consumer credit
counseling agencies are shown on the attached sheet, It is ~nly
necessary to schedule one face-to-face meeting. You should advise
this lender imm0diately of your intentions.
Your mortgage is in default because you have failed to pay
promptly installments of principal and interaat..... as required, for
a period of at least sixty (60) days, The total amount of the
delinquency is $3,101,75, That sum includes the following I
principal and interest,
Your mortgage is also in default for the following reasons:
N/A,
If you have tried and are unable to resolve this problem at or
after your face-to- face meeting, you have the right to apply for
financial assistance from the Homeowners' Emergency Mortgage
Assistance Fund, In 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 counseling agency. The consumer credit
counseling agency will assist you in filling out your application
and will submit your completed application to the Pennsylvania
Housing Finance Agency, YQm a9plicatio[l must be filed or
postmarked, within thirtv (30) days of your face-to-face meeting,
It is extremely important that you file your appl.ication
promptly, If you do not do so, or if you do not follow the other
time periods set forth in this letter, foreclosure may proceed
against your home immediately,
Available funds for emergenGY mortgage assistance are very
limited, They will be disbursed by the agency under the
eligibility criteria established by the Act,
It is extremely important tQqt your application' is accurate
and complete in every resnect, The Pennsylvania Housing Finance
Agency has sixty (60) days ~o nake a decision after it receives
your application, During that addit.ional time, no foreclosure
proceeding will be pursued against YOll if YOll have met the time
requirement.s S"lt forth above, YO'J \'li11 be not.ified directly by
that. Agency of its decision on your application,
The Pennsylvania Housing Finance Agency is located at 2101
North Front Street., Post Office Box 8029, Harrisburg, Pennsylvania
You may cure this default within THIRTY (30) DAYS ot the date
ot this letter, by paying to us the above amount of $3,101,75 plus
any additional monthly payments and late charge which may fall due
during this period. Such payment must be made either by cash,
oashier's check, certified check or money order and made to
American General Consumer Discount Company
c/o Terrence J, McCabe, Esquire
First Union Building
123 South Broad Street
Suite 2080
Philadelphia, Pennsylvania 19109
If you do not cure the default ~lithin THIRTY (30) DAYS, we
intend to exercise our right to accelerate the mortgage payments,
This means that whatever is owing on the original amount borrowed
will be considered due immediately, and you may lose the chance to
payoff the original mortgage in monthly installments. If full
payment of the amount of default is not made within THIRTY (30)
DAYS, I have ~een instructed to start a lawsuit to foreclose your
mortgaged property. If the mortgage is foreclosed, your mortgaged
property will be sold by the Sheriff to payoff the mortgage debt.
Once this matter is referred to me for suit, but you cure the
default before I begin legal proceedings against you, you will
still have to pay the reasonable attorney's fees, actually
incurred, up to $50.00. However, if legal proceedings are started
against you, YDU will have to pay the reasonable attorney's fees
even if they are over $50,00, Any attorney's fees will be added to
whatever you owe, which may also include reasonable costs, If you
cure the default within the thirty day period, you will not be
required to pay attorney's feL:,
~Ie 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 ~Iithir, the thirty day period and foreclosure
proceedings have begun, you still have the right to cure the
default and prevent the sale at any time up to one hour before the
Sheriff I s Foreclosure Sale, You may do so by paying the total
amount. of the unpaid m"nthly payrr,,,;nr.s plus any late or otl\er
charges then due, as well as the )"easonable attorney's f<les and
costs connected with the foreclosure sale (and perfor", any other
requirements under the mortgage), It is estimated that the,
earliest date 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 sent to you
before the sale, of course, the amount needed to cure the defaul t
will increase the longer you wait, You may find out at any tima
exact.ly what. t.he required payment will be by calling us at the
following number: (215) 790-1010, 7his payment must. be in cash,
cashier's check, ~ertifieci chec~ or ~o~ey order and made payable t:
us at the address stated above,
You should realize that a Sheriff I s Sale will end. your
ownership of the mortgaged property and your right to remain in it.
If you continue to live in the property after the Sheriff's Sale,
a lawsuit could be started to evict you.
You have additional rights to help protect your interest in
the property, You have the right to sell the property to obtain
mQney to payoff the mortgage debt, or to borrow money from another
lending institution to payoff 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 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 have the right to have
this default cured by any third party acting on your behalf.
If you cure the default, the mortgage will be restored to the
same position as if no default had occurred, However, you ilre not
entitled to this right to cure your default more than three times
in any calendar year.
NOTE: Unless you notify this office within thirty (30) ci~YS
after receiving this notice, that you dispute the validity of this
debt Ot. any portion thereof, this office will assume that the debt
is valid, If you notify this office in writing within thirty (30)
days from receiving this notice, this office will: obtain
verification of the debt or obtain a copy of judgment and mail you
a copy of such judgment or verification, You are also advised
that any information ~Ihich you supply to this office may be used by
us in the collection of the debt, If you request this office in
writing within thirty (30) days after receiving this, this office
will provide you with the name and address of the original
creditor,
THE PURPOSE OF 'fHIS COMMUNICATION IS TO COLLECT A DEBT AND ANY
~RMATION OBTAINED WILL BE USED FOR TH~S PURPOSE,
Very truly yours,
TERRENCE J, tlcCABE.'
TJI1!df
SENT VIA REGUL.~ MJl.IL
~~D CERTIFIED ~~IL - P 978 362 ~18
RETuKN RECEIPT REQUESTED
.~'
elegible para un prestamo por e1 programa llamado "Homeowner's
Emerget\oy Mortgage Assistance Program" el cual puede salvar su casa
de la perdida del dereoho a redimir su hipoteca.
IMPORTANT 1 NOTICE OF
HOMEOWNERS' EMERGENCY MORTGAGE
ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE.
YOU MAY BE ELIGIBLE FOR
FINANCIAL ASSISTANCE WHICH CAN
SAVE YOUR HOME FROM FORECLOSURE
AND HELP YOU MAKE F~TURE
MORTGAGE PAYMENTS
TOI
FROM I
REI
Elsie P. Barrick
Terrence J, McCabe, Esquire
Premises: 22 Weist Road, Newville, PA ~?241
Account Number: 13510273
You may~ eligible for financial assistance that will'prevent
foreclosure on your mortgage if you comply with the provisions of
the Homeowners' Emergency l<lortgage Assistance Act of 1983 (the
"ACt"), You may be eligible for emergency temporary assistance if
your default has been caused by circumstances beyond your control,
you have a reasonable prospect of resuming your mortgage pa.yii1ents,
and if you meet other eligibility requirements established by the
Pennsylvania Housing Finance Agency, Please read all of this
NQ.tice, It contain~) an exolanation of your ricrhts,
Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty (30) days from the date of
this Notice, During that time you must arrange and attend a "face-
to-facell meeting l'lith c' x.epl-esentative of this lender, or v:it'h '"
designated consumer credit counseling agency. The purpose of this
meeting is to attempt to I'lork Oelt a repayment plan, or t6 otherwise
settle your delinquency, Ihis meeting must oCQl..\Lm..the next (30L
days:
If you attend a face.-to-face meeting l'lith this lend.er, or with
a consumer credit counseling agency identified in this noticB, no
fl:rther proceeding in mortgage foreclosure may take placB for
thirty (30) days after the date of this meeting,
Hy name, address an:i telephO:1e r.umber as attorr,ey for Americar.
Ge~eral Consumer Discount Company is as follows:
TERRENCE J. McCABE, ESQUIRE
First Union Building
123 South Broad Street
Suite 2080
Philadelphia, Pennsylva.nia 19109
(215) 790-1010
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 immediately of your intentions,
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 $3,101,75, That sum includes the following:
principal and interest,
Your mortga~e is also in default for the following reasons I
N/A.
If you have tried and are unable to resolve this problem at or
after your face-to-face meeting, you have the ~ight to apply for
financial assistance from the Homeowners' Emergency Mortgage
Assistance Fund, In order to do this, you must fill out, sign and
file a completed Homeowners' Emergency Assistance Application with
one of the designated consumer credit counseling agencies listed on
the attachment, An application for assistance may only be obtained
from a consumer credit counseling agency, The consumer credit
counseling agency will assist you in filling out your application
and will submit your complet.ed application to the Pennsylvania
Housing Finance Agency, YQur ap9licatlon .must be filed or
postmarke.dw... within thirtv J.30) days of your face-to-face meetino,
It is extremely important that you file your application
promptly, If you do not do so, or if you do not follow the other
time periods set forth in this letter, foreclosure may proceed
against your home inunediately, \
Available fun:ls for emergency mortgage assistance are very
limited, They will be disbursed by the agency under the
eligibility criteria established by the Act,
It is extremely imoortant that .:iQ.!.lr application is accurat.e
and complete in every respect, The Pennsylvania Housing Finance
".gency has sixty (60) days t.o make a decision after it. receive"
yo'.:r application, During t.hat additional time, no foreclosure
p~oceeding will be pursued against you if you have met the tim~
requirements set. forth above, You l'Iill be notified directly b::
that Agency of it.s decision o~ your application,
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PENNSYLVANIA HOUSING FINANCE AGENCY
HOMEOWNERS' EMERGENCY MORTGAGE
ASSISTANCE PROGRAM
CONSUMER CREDIT COUNSELING AGENCIES
CUMBERLAND COUNTX
Consumer Credit Coun$eling Service of Western
Pennsylvania, Inc.
2000 Linglestown Road
Harrisburg, Pa 17102
(717) 541-1757
Financial Services Unlimited
117 West 3rd Street
Waynesboro, Pa 17268
(717) 762-3285
,
Urban League of Metropolitan Harrisburg
25 N. Front Street
HarriSburg, Pa 17101
(717) 234-5925
FAX # (717) 232-4985
YWCA of Carli.sle
301 G Street
Carlisle, Pa 17013
(7),7) 2'1:>':"~,18
FAX # (?1.7) 243-3948
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You may cure this default within THIRTY (30) DAYS of the date
of this letter, by paying to us the above amount of $3,101,75 plus
any additional monthly payments and late charge which may fall due
during this period. Such payment must be made either by cash,
cashier's check, certified check or money order Rnd made to
American General Consumer Discount Company
c/o Terrence J, McCabe, Esquire
First Union Building
123 South Broad Street
Suite 2080
Philadelphia, Pennsylvania 19109
If you do not cure the default within THIRTY (30) DAYS, we
intend to exercise our right to accelerate the mortgage payments,
This means that whatever is owing on the original amount borrowed
will be considered due immediately, and you may lose the chance to
payoff the original mortgage i~ monthly installments. If full
payment of the amount of default is not made wit.hin THIRTY (30)
DAYS, I have been instructed to start a lawsuit to foreclose your
mortgaged property, If the mortgage is foreclosed, your mortgaged
property ~lill be sold by the Sheriff to payoff the mortgage debt.
Once this matter is referred to me for suit, but you cure the
default before I begin legal proceedings against you, you will
still have to pay the reasonable attorney's fees, actually
incurred, up to $50.00, However, if legal proceedings are started
against you, you will have to pay the reasonable attorney's fees
even if they are over $50,00, Any attorney's fees will be added to
whatever you owe, which may also include reasonable costs, If you
cure the default within the thirt.y day period, you will not be
required t.o pay attorney's fees,
We may also sue you personally for the unpaid principal
balance and all other sums due under t.he mortgage, If you have not
cured the default within the t.hirty day period and foreclosure
proceedings have begun, you st.ill have the right to cure the
default and prevent t.he sale at any time up to one hour before the
Sheriff's Foreclosure Sale, You may do so by paying the total
amount of the unpaid monthJ.y Dayments plus any late or otl;1er
charges then due, as well as th", reasonable at.torney's fees and
costs connected with the foreclosure sale (and perforrr, any other
requirements under the martgage), It is estimated that the
earliest. date that. such a Sheriff's Sale could be held would be
approximately 5 months,
A notice of the dat.e of the Sheriff Sale will be sent t.o you
before the sale, Of course, the amount needed to cure the default
will increase the longer you wait, You may find out at any time
exact.ly what the required payrnent will be by calline) "s at the
fOllo'IIin9 .nUf7\Der: (215) 7,,0..101.0, This paymen: must i~", in cash,
cashi~~ls che=}:, certified C~le:~ or ~oney order and made payable to
us at the address stated above.
You should real1. ze that a Sheriff's Sale will end your
ownership of the mortgaged property and your right to remain in it.
If you oontinue to livd in the property after the Sheriff's Sale,
a lawsuit could be started to evict you.
You have additional rights to help protect your interest in
the property. You have the right to sell the property to obtain
mons.y to payoff the 1lI0t'tgage debt, or to borrow money from another
lending institution to payoff this debt, (You may have the right
to /lsll or tt'ansfer 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 unde!' what
circumstances this right might exist, You have the right to have
thi,s default cl.red by any third party acting on your behalf,
If you cure the default, the mortgage will be restored to the
same position as if no default had occurred, However, you are not
entitled to this right to cure your default more than three times
in any calendar year,
NOTE: Unless you notify this office within thirty (30) days
after receiving this notice, that you dispute the validity of this
debt or any portion thereof, this office will assume that the debt
is valid, If you notify this office in writing within thirty (30)
days from receiving this notice, this office will: obtain
verification of the debt or obtain a copy of jUdgment and mail you
a copy of Such jUdgment or verification, You are also advised
that any information which you supply to this office may be used by
us in the collection of the debt, If you request this office in
writing within thirty (30) days after receiving this, this office
will provide you with the name and address of the original
creditor,
THE PUR~ OF THIS COMMrrmICATION IS TO COLLECT A DEBT AND ANY
INFO~TION OBTAINED WILL BE USED FOR TIllS PQRPOSE.
Very truly yours,
TJt/l/df
TERRENCE J, McCAaE'.'
SENT ,VIA REGULAR MAIL
.L.ND CERTIFIED t1AIL - P 97[; 362 ~H
RETURN RECEIPT REQUESTED
Agency) sin cargos e.l numero mencionado arriba. puedes 8er
elegible para un prestamo pOl' el programa llamado "Homeowner's
Emergency Mortgage Assistance Program" e1 cual puede salval' eu casa
de la perdida del derecho a redimir eu hipoteca.
IMPORTANT. NOTICE OF
HOMEOWNERS' EMERGENCY MORTGAGE
ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE.
YOU ~~Y BE ELIGIBLE FOR
FINANCIAL ASSISTANCE WHICH CAN
SAVE YOUR HOME FROM FORECLOSURE
AND HELP YOU MAKE FUTURE
MQ~TGAGE PAYMENT&
TO;
FRONI
REI
David J, Barrick
Terrence J. McCabe, Esquire
Premises I 22 ~Ieist Road, NeWVille, I?A 17241
Account Number: 13510273
You may be eliaible for f1 nancial assistance that will prevent
foreclosure on your mortgage if you comply with the provisions of
the Homeowners I Emergency ~b::tgage Assistance Act of 1983 (the
"Act"), You may be eligible fo:: emergency temporary assistance if
your default has been caused by circumstances beyond your control,
you have a reasonable prospect of resuming your mortgage payments,
and if you meet other eligibility requirements established by the
Pennsylvania Housing Finance Agency, Please read <\1] of this
Notice, J~-----contains an explanation of your_richts,
Under the ',ct, you al'e entitled to a temporary stay of
foreclosure on your m~.,,-t9i1g'2 f'J', thiny (30) days from the date, ()f
this Notice, During that time you must arrange and attend a "face-
to-face" meeting with a reprEsentative of this lender, or with "
designated consumer credit co~nseling agency. The purpose of this
meeting is to attempt to work out a repayment plan, or to otherwise
settle your delinquency, 't'his meeting must occur in the next (30)
~~
If you attend a face-to-face meeting with this lender, or with
a consumer credit cOllnseling agency identified in this notice, ro
further proceeding in mortg"ge foreclosure may take pla~:e for
thirty (30) days afte:: the d,,:e of this meeting,
My name, address and telephone number as attorney for American
General Consumer Discount COffipany is as follows:
TERRENCE J. McCABE, ESQUIRE
First Union Building
123 South Broad Street
Suite 2080
Philadelphia, Pennsylvania 19109
(215) 790-1010
The names and addresses of designated consumer Ciredit
counseling agencies are shown on the attached sheet, It is only
neoessary to schedule one face-to-face meeting. You should advise
this lender immediately of your intentions,
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 $3,101,75, That sum includes the fOllowing I
principal and interest,
Your mortgage is also in default for the following reasons:
NIl.,
If you have tried and are unable to resolve this problem at or
after your face-to-face meeting, you have the right to apply for
finanoial assistance from the Homeowners 'Emergency Mortgage
Assistance Fund. In order to do this, YOU must fill out, sign and
file a completed Homeowners I Emergenoy 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 counseling agency. The consumer credi t
counseling agency will assist you in filling out your application
and will submit your r;ompleted appliCation to the Pennsylvania
Housing Finance Agency, Your application must be filed or
~marked, within thir~-O_~ys of your face-to-face rneetin~~
It is extremely important that you f.i1e your application
promptly, If you do not do so, or if you do !lot follo~1 the other
time periods set forth in this letter, foreclosure may proceed
against YOllr home immedia tel}',
Available funds for emergency mortgaCfe assistance are very
limited, They \.;111 be disbursed by tl e agen::y under thiC
eligibility criteria established by the Act,
~s extremely ~rtant that your applicatio~ is aC9urate
.QlliLs;.Q.mplet~lL_Q\Lery resnect" The Pennsylvania Housing Finane,,"
Agency has sixty (60) days :0 make a decision after it receives
your application, During that additional time, no foreclosun,
pro::eeding ~Iill be purslIed against you if you !',av", 17,e: t.he time
re::ruiremellts set: forth abov,', Yo\: \.li11 be not:.fie:; c~irectly b',
. .
tr,at hgency 0: it,; deci,:io~1 :~. yo'.l!' application.
The Pennsylvania HOLlsing Finance Agency is locat.ed at 210l
North Front Street, Post Off ice Box 8029, Harrisburg, pennsylva,nicl
TERRENCE J. McCABE, ESQUIRE
First Union Building
123 South Broad Street
Suite 2080
Philadelphia, Pennsylvania 19109
(215) 790-1010
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 immediately of your intentions.
:YQ.Ur....lllQrtaage is in de.f.al.l.lt because you have failed to pay
promptly installments of ~incipal and interest, as required, for
a period of at least sixty (60) days, The total amount of the
delinquency is $3,101.75, That sum includes the following I
principal and interest,
Your mortgage is also in defa\,llt for the following reasons:
N/A,
If you have tried and are \,lnable to resolve this problem at or
after your face-to-face meeting, you have the right to apply for
financial assistance from the Homeowners' .Emergency Mortgage
Assistance Fund, In 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 counseling agency. The consumer credit
counseling agency will assist you in filling out your application
and will submit your completed application to the Pennsylvania
Housing Finance }I.gency, Your application must be filed or
postmarked, within thi;t;'.ty (30) days of your face-to-face meer..in9:.....
It is extremely important that you file your application
promptly, If you do not do so, or if you do not fo11 0\0,' the other
time periods set forth in this letter, foreclosure may proceed
against your home ..immedia tely,
Availa!)le fun:ls for er.,ergency mortgage assist.ance are very
1 imited, They \.:111 be disbursed by the agen::y under the
eligibility criteria established by the Act,
It is e_xtremely importilllL that Vou,Lappli..Q.ation is accurate
and completc; in .f:very .resp~ct." The Pennsylvania Housing Finance
hgency has sixty (60) days :0 make a decision after' it receive"
YOl:r application, During that additional time, no f.oreclosun:
pro::eeding will be pursued against you if you have mer the tim~
r~quirements ~E:t foY."th ~bov,:, Yo~: \"ill , be .not~fie::i directly b::
t~at Agency 0: lts declBlo~ ~~ your appllcatlon,
The Pennsylvania Housing Finance Agency is located at 2101
North Front Street, Post Office Box 8029, Harrisburg, Pennsylvania
.~'
McCABE, WEISBERG, & CONWAY, p,C,
BYl TERRENCE J, McCABE, ESQUIRE
MARC S, WEISBERG, ESQUIRE
IDENTIFICATION NUMBER: 16496/17616
123 South Broad Street, Suite 2080
Philadelphia, PA 19109
(215) 790-1010
Attorney for Plaintiff
AMERICAN GENERAL CDC
v,
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
DAVID J, BARRICK AND ELsIE p,
BARRICK, QUINTER E, BARRICK AND
TREVA J, BARRICK
NO, 98., 2655
-
Alnl2A.YU
1. 1/ Bernie Hardy, am the foreclosure Specialist and
Branch Manager and am CUstodian of the account of the Defendants,
with personal knowledge thereof, who supervised closing of the
loan,
2, On September 24/ 1993/ the Defendants, entered into an
agreement with Plaintiff which gave the Defendants a Mortgage
loan,
3. On Septemner 24, 1993, as security for this Mortgag8
Loan, Defendants, made, executed and deli.vered a mortgage on the
premises known as 22 Weist Road, Newville, PA 17240, A copy of
said mortgage is attached to the Summary Judgment Motion and
marked as Exhibit "A",
4, The Defendants are in defaul t of the mortgage in that;
payments of prinCipal, interest, attorney fee's and costs upon
said mortgage due July 1, 1997, and for each and every month
thereafter, have not been Paid and are due and owing,
RMER,GEN.FIN. ID:6107671267
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\9~i.7:'1 }r.~ Af'1.d na'!.OAB C.:i
l)..1.8...~i \r'l~ ...d~~ an<,l yr
\'iJrst nko-olld ye1l::t Q97.7(~.
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'12.i2..:..~. YOU
FOR V.LUf!: AECEIVf.O the l..mc;i.r.1on.,.d lolntly and .",vnfally promise Ie, pey 10 HHI Lend.r namud herein allhe Lender'8 ,aid oWo. the
prinCipal n.mount ollho IOiln shown harncm 10gulhtH wilh I"tf"ealtt'OfUun ftl CI rate nOliI') ElltCf.I$d the ~gr..d ru'u her",ln ael for1h, all 01 Which II.
ptlyablllll in euocussl...e monthly In.'allmonli and 'ht) IH,mbfH IPH1 C1lT1o\.l/11 01 aiHd In$1l1llmenU fU'O shown h"fJf;1n. Th.lusl 01 .ald !nsl..llrnonl. IH
p~y.bl. on ttleUr.1 PftynH~nt duu dato shown h.rnon 8flU oac', ~uOoof'l&i...tf m$.urdlmf:I'!1 on the ,.m. day 01 f1ach !lUCc~l$dlng monlh thereMUor, II,.,
hnllln,'.lImanl belnQ due .nd p*yeble on the linal payment due tlolv tIohown hereon. CCH1h ,nllollment (lh.1I be III t1UJ omovnt (Illnlll..ltllwnltl
shOwn hereon If 'hili nOle II p..id flooordlnQ to contrt\cl; olherwi'A paymOr'\la ,hall be applied IIral to I"t"rost tttlfJ thon 10 ptlncipet, '''8 flnnl
payrnen' sh.1I be OQval to 'he vnpsid principal billanee plvto Inlfuesl AccrvucJ fl,nd unpaid ftl the "me ,old IInall".'..Il"IOnl I' paid. II this nol.,l, nOI
I>t.ld at m~h..,ltv the vnpeld blU.noe 8htU' bear In1e'(1,I therCJa'hu ul tHud a~Jle(ld ra'e,
H you do not mill".. payment by the allta It I~ duo. or If you chn. Of If you 'all 10 I<CJep ar'\V promhHt or ag'e~m.nt in Ihlt Note 0' In any ollla'
in'Hument glv.n n ..ClJrlly tor this loan, thon yov f\tD _in dt'lilUIl II YO\.I i\tO in cI"lllUIl. Londo' may, .altor noll(:(t (,IIt,\.,nllon 10 loteCll("lSO -.no
opporhll'li\y '0 [H..r..., provided by law. dem",nd from YO\..lrnmfJdlnle ro"ymont 01 Ihe "nwe IIm()un, of O'Er unpaId prln-c!pslttnd occrue(l hut unpftlU
1,...,.r..I, and Lender mlly IIlao (lIIe.reis. olh~ul.Q.1 riIJhtr.. auch .a. ome-no lJlhor". 1"kino pO__fle,lon 01 ..ny p,ope,lv "llIon aa .ecutl\y, .ell1nv
olher p,ope,ty. ftnd .pplylnfjJ Iho money r.cfu.....d "0m _uch Milo 10 thll f\lllo~lnl~ Dwod II Lenuot retort this NoI. to 'ny "Uornay (WhO Iso "('II
L..end.", .mploy.., offioer or I.1lreoloO 'or collection. YO\.l ,h~1I plly 'I r(HUIOnahlft allOtnf!lv lEt. nolln nli'o6lu ot SOO.OO prior to <:lommetlC(tII,anl 01
10r.oID'Ur. or oth.' l,g,lacUon II .uch ftle II actuftlty Inouffed lJy Londe, (1110' Ihu 30.day nollo. and o",r. pnrlod r.Qvlred Dy law. am.l II
for,ololure 0' othel'l.galactlon I, takan "'o.ln.' YOl. and th. dtt(;laion ollhfot (:Ourl is In Lende"",vor, yo~' Ihlllll pay a r..tonable .""mev''' 'tt(f
You sh.ne.lso pay to L.ender all oourt C(,1S1a and other coll.(:lIon COt'S which 1 f1ndel ltCI\.J.lly 1"0\.1(. In Qonnection wllh .ny cOlleclion DctlVlly
The Indebl.dne&8 representod by thl~ nuIo \. &t!tcured by a Morl~agc OlCfftulfld by the ~lndn'$I(JnAc1
In HI. .....ent of d.faullln full PlIymO('l1 01 any &Choduled Inp.lallmtlTlI, It'lO Leoneit"I. ill lis DiJl10n Gnd upon Qlviny nOllce to lhe l",mdnrsiUfl(.(j, l"Oy
deClare Ill. entire "npaid blllanee 01 tho f'rnounllinpnced and f\cc:ru~{J chorgo!. IherEiCln 2111 onco dlle and (lilyablt: All p"rtlea h(9(l;Ito Stl...fH4lIUy
waive dem.f,d and pree.entrntml '0' oayrnenl. ,..,otlce of nonpaymt'nl, nolicu 01 nrolest tH)d prolt'SI or Ihi. nole itnQ l!lIgfOO thai lIHHr llillbllily
herel,olnde, shall not be alfecl.d by hn E1klonsion of the limt. ot ~)('lymenl of all or any purl 01 the amounl OWing h"'€ton 01 any limo 01 ll"'~'fO
.NSF CHECK CHARGE. IIlho nonclPhl amO\.lnl 01 ttln loltln 1& In c"lce~$ of $50,000 wo may Impo.. ft (:hargo 01 the. amount .hown abovl' "h,u"
liIIny all'loun~ PJlsUld on Irom other fj"nnciolln61ltullone for fHKh ChOCk, (Ir fHflulllr IIIU"I "rder r&1\.Hnod Of oU.honorttcf lOt ftny fe",on
PREPAYMEN1': You rollV p,opay ttHS lo"n ot allY tInU), II yov P.Y 011 &Ad)'. yc..u will l\{)! ha...o 10 pay !I Danal1y
"or 1h. pu'po.. of e"'orolng tnlt payment ollhl9 obUuatlon. Ihfjl holdel 6it'lall ha'Oe I \ill power and a\.lhorily 10 .ell, 116Jlgn, colle(;t. c;:omt-rorfl.ft(,'
Irllln,f.r .nd d.II....r any nnd ",II <:lolletltret plftd.,od Qr hYI'J01hO(:nlfld 10 QOC\.lft' Illi~ prDrnlSf..O'y nole or ,"0 muOh In.,eo1.. m.y be reQulslle Sllt.l,
..,.. m.y be mad, when....el the hOld"r moy dlrecl (In" may be public 01 prl'o'OIO wilh ()I wdhovl CJdvertlllem.,,,t ar.<1 with or wllhOul MJllce 10 ('I
dom.nd on the maker. Qr an.,. 01 them and Ihe holder mfty I,eoomn Ill" purchaH'r 01 ony or all of &al(J collato'" 51; any auOh .nlo
It is vnd.ratoo(t and agre.ed 1"'.' lhe holdel l>hkll not be (l()rnpelled 10 rONorl 111M 10 1he collateral hypnt"e,le.ted lor Iho ae(;\.lrd., ot Ihl~
Ol,lig../lon, but m..y.1 .lectlon ,equlre ..Id obIIUII\iOr"l '0 be paid by ony rnH"-flr or maker.., andor8&r or ondorft€tr., 't',otv 0' lurutleu hef"'fn and IL
lhi& _"r..ment .aid 0'1" ",e.rt, ondorller. a'ld S\HUltOS tloreby llopecllcally (lIII(lltleH "lUl~nl and \,.loon paymfS'nl (If thiS (lbllQatlon by the .alo ma\\ttl~
endorlor, or Ivr.tles or anv ollham thl& promll,lloory nole tOQelhtH wilh HlO col\fll~I"'!, Qloresald may be H(ln.lorted wllhoul ,.,001..,..0 again!!! II\(
PI)". or hold.r to tho p..r1for pMtiet paYing '''1. note.
DEMAND FEATURE (if checked): I I Anyttrne a'lor yeu/((;) Irorn the t1lll" olthl!. loen Wtf can demnr'd Ihe full balpnce aOlI 'fOIl WI'
heve 10 Pay the prlnOlplIIlemoun1 01 thalopn end 2\11 \.Inpitld Int~IEI&1 "ccl~jtld 10 lh(' dt\y'wfJ rnnke thQ domand II we eleot locucercifl" Ihls-ODllt'" 'IV
will be gl...enwrltterl notIce of eloc,ion 0110"9\ 90 dftyb(tJUI not m(\tf' I hint 1 ,'0 Oil (!ol b~J!(lI(, ~lIyrn('''llrl ""I If. due II y('v 1.11 '0 pay, we WIll "t1110 110'_
"ghl to ex,rclslII any ,Ights: perml1lod ~lnd(H Iho nole, lTIor1gage Of ctoC'd 01 IruSI lhnl !.ft,,~rres P,,;;. lonn \
e.t.m 01 the und.,&IOnod hereby "glfte!. find assarle.. Ihnl addili(IIHII mC\kt,q.., ('rH1or~~Hf" gutHHnlorr.. 01 UUtfiotlD!. mtiy bCilcomtl Pitfl!CS T'lt!fl./I\
elihu, wilt, "r without nolto.lo any of lho UndtHSI\lnod, and wlHwuI tI"fIC'.unu tilt' t.;;J!Jlhly 01 ~ny pi \tIt! oal1les hOff'ln 01 hl;ffeunde,~ lIfld f1i1cn 01\1"
undo'illgneo hereby wfti...e6 presentm$nt 'or Ph'lm(lnl, dt1 rrHlnd. prolt!f.I. und rwl.C(' ot prolBS1 and non'pl!lymen1. ."ncJ 1111 dotef1ltt6 by foa.,.or, l,
any ftxlentton of time 0111_ ptlynu1nt Ihllll"lHlY b6 Oiv~n by the ~Older 10 tl'(I u"lder~lyl'C1d or any ollhtJIn, ttnd e,e~ ol~" hereby 50vertllly wal....fJ
any and." benefl\_ or ,ello' from vRll,.IAllon and iJPprnl!lOmO"I li!J,wS fInd hCtO'o&load ell other 8l(ornp\'on1J now in 10r(11,\ or her.ahor 'l'fl'\IICUra aga"'1
lhl, debt or 8ny l'en8wIf,I thereol~ Ind Iho undorsigned oaCh ogreos Itl91 II Sh,,11 (l(l1 be nf.!(,eS&iHY lot tho holder to reso.rt 10 legal remndll;l'i II(IA'1111
eny 0' the panla, lu thl. nolo before prooeedlng agnin&l any o'hltl partv, ftnd Ihi'll no f€floose 01 one or moro ollhe me)l.flt6. co.mak&r\, .urt'IUJ~
QiJ."nlorl, or OlhClf plIlrll.. herelo 'n ftny GIiIPilclly, whiftlher by opotaHc."1 (II law 01 t)y any pcl 01 Ihe ~'oldo' of 'hi& note. .hltll rolea.e any OItH'
mJlk." co'maker, lu,ely, guarantor, or other ()PMy hofelo U'lll"Y (';QpacIly
'rhl" nol. aha II b. Qo_vftfned by the law!!. 01 lho CC)FnrnonWflrdth 01 PennSyl.'a/118 (t.."opl a~ may bepfeamphtd by the 'eOGfe' II...., and'
pa,tl(;lJlfH the prOVI(l.IOFl 01 SeCllon 50' 01 PL 9(}'~ r 1 go...ttfnmg IlIsI rnortga'\lt! prOC'lmpllon shaH apply llthlt.. lo"n III aecv,bd by h flral mtJn~&fgo c'
r..ldenUal r(Jal ell.le Of Olhor JHopeny 8!> &01 lorth In Ihl(.. .."etiC.", J
NonCe' lhe lullowlng NOTICE. applies II y(lU were lolefroeJ 1(' ~I" by fI ~1I11(11 cd consumfH "ooda or f;or...lcee and a 8\.lb3lanllal portiO'" ot 11
proonetd, of Ihlt lo",n I~ u,,,d for the p~Ir<)tHHHI 01 c:on&UfTwr ",or..d~ 110m Itllll t;t,!lll:)r ::c.
NOTICE
ANY HOLDER OF THIS CONSUMI:R CREDIT CONTRACT IS SUBJECT TO ALL CLAI NO DEFENSE
WHICH THE DEaTOR COULD ASSERT AGAINST THE SELLER OF OOODS OR SERVIC/i:S OBTAINED WIT
THE PROCEEDS HEREOF. AECeVi::RY HEREUNDER BY THE OEBTOR SHALL NOT eXCEED AMOUNT
PAID BY THE DEBTOR HEREUNDER,
IN ~f~S WHEJliO .
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JUN
22'98
12:47
No,014
P.07
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proceed, 01 thl. lo.n " ulu,d fOI nlf) P\I'{;'HI:.I(' 01 r'''''i\f111fJl ~g)(HJ!, jr,:"" Itllll ~L."'l','
NOTICe:
ANY 'iOLD!!R OF nUS CONSUMER CReDIT CONnlACT IS SUBJECT 10 ALL CLAIMS AND DEFENSES
W"li~~DI!BTOR COULD ASSER.T AGAINST nH' sc, ~l E fl 01" GOOO~ Of! aIliRVICIiS oaTAIN.Q WIT..
"HW WOlf .....~,.. "~"I!',,\t "'P""'VNOF.R fly l'Hf!' Oll!'BTOR SHAll NOT ~'J<CEr:D AMOUNTS
"AID BY TH Dl!1BTOR "F.:'RfiUNDER
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FEDERAL
DIIlOl08URI!
STATEMENT
22198
12:48 No,QI4 P,08
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FINANOE CHARGE" tn. dl;)U.r amounl If'eo C/(tc;111 '(1'11 CO" Y~l\.J \L'no.! .L,~l"'''l
ANNUAL PERCENTAGE RATS "l~. ClISl oj Y"~II creet" (H 1\ YI,,,fly 10'" (\ ,no J arHI"'~1
10T~" OF PAVM~NT9" the .mount you will hAve "a,(I aft.. vou till",,, (I111d6 all ph'menu.. loheclulod (1,."10" .tlOO"''' I al '~LE
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o Th. pr.vrovI MO,1g.g. I. lJ.'ng retained .I, S8qHily Of'! )'our IO'Hl
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ASSUMPTION' 8om.on. buvlnO yO\l' houle Clnrlol ."\.If'll. Iho 'qffl""na,,r 01 'ho mortgage on 1"1. OrlOlr'lflllll1m.
INSURA,NOE~ Crudlt lit. 'nt\.lffHIOO ft"d crftdll dl""l>dtly >Il1H'r"'iC~' lPll ',nt rt.'.1U I ~'d 10 oblnln (-'6clll flf'd will"", llc I" (Jv,ued unhu" vou &'0"1 ~no
..g,.. '0 pe)' Ih. addlllonal ooat. YOll ~nder.tilf'lcllh(ll \'.-fl tlnl,<;'I!.'i\1t' r",ol 1 'j "(''f' 11\1.' ~Hlle 0' (.1 l.'ldil 1I1$,lIunr.o, anl1 you Celli!Hlnl Ih"relo It -;(J.llttIOCI
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a,.dn Life
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CANCELlATION. II YQu dft.u. 10 d'o '0 )'0\.1 may. wlthoVI penlll)' (II vlllollttlmn Wllhlfl ',llEIl'Hl ~')'!1 from 1M dalu UtI lor", 'Dove, cancol. /I.' t)ul n(}1
p.t! of. the o'"oil In...It,flce CO'luugfta hy fOhufl,ng all croall 'flIH..I'anr.(I cond'C,~It-'s (f,lc,0 IVIH:lIII COrlfl6CII"'1 .....IH' thl' luan '0 Ihe 01111:;(1- ""''''CI(f 1/11'
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JUN 22'98
12'51 No,014 P.IO.
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FOR VAl.Ue AECI:.lveo Ih., u ,dof.lgned 10lrltly and I"vflrally promlfltr 10 p"y tottle lend",. r.am"d hor.'n .1 111.., Lend.r', ..Id ofllCl. Ihe
p,lnOlp.'."'Dun' 01 'ho'o.n .hown he'.on 10g.'ho,wl1h In'e,.., 'ho,oon.,. '.'e no' to .,oood the .g'..d 'ale he,eln .., 'Or1h, all 01 whloh I.
P_Ylbl.ln ,uCla...lve mOnlhly Inll.llmen.. e"d the nUrTlbor and amount of 'Ald lr'l&t"llment. ,.,. 'hOwn herD"n. T1l8 tlr3t of ..id In.t.tlmenlala
pOY.ble On 'h.'I'.1 p.y",enl du. d... 'hown h.,.on .nd oaoh .uOO...lvoln...llm.nl "n Ih. .ome doyo' ..ch .ucoeedlnQ mon'h Ih.,.O"." Ih.
'In.lln...II",.n. b.lng due ond poyobl. on Ihe "nol P.ym.nl duO dot. .hown he,.on. F.och In.'ollmon' oh.1I b. In Ih. amounl ol'nolollm.nlO
aho",," hereon If Ihl, not. i. paId eOOOrdlng to oontraot. nlht"wlt& Pftymont. shall be .pplled IIret to Interell and thon to prlnolpal, Ih. 'Inll
Plym.n, .hlll be equlltot:-18 un"ald prlnclpa' ba'''noe plulln'."UlflIO(J,.Uttd and unpRld "'Ihe time laid """lln8IallmBn' I. paid, Iflhl. note', nOI
p.'d .t maturity Ihe unp.l~ balanoe "n,1I b.ar Int~'eat Iher..,.., 'U fla:.ld .orond rHta
It YOU do no make. payment by Ihe. date It '6 due, 0' If you 010, or " you fall to ke(lp ftny promlle or _ore"",."t in thl, Note or In _flV other
Inetrumen' CJlven ., '.OUflty for thl, lo.n. then you fife In l.10lfHlII. If yc>u urn In de'nul.. lender may, ..her nollce of Inlentlon to 'or.olo,. and
OpporWnltytoQI.irl;t 88 provld&d by law, domand tfomyou lmmedlllle plIymOnl (If thu entire amounl of the ur,pttld prlnolpal end acc'ued bul unpaid
In'er.." .nd L.nd., "'Oy ."0 .'.'OIOD o'he, 'no.' r'O'''D, Olloh.. nmono O'h.".. '."nO po,o.oolon 01 My p,ope"y glv.n.. ..oumy, o.llIng
olh., p,op.rly, .nd .pplylng tho money '.e.tvod Irom o"e', "'0 Ie, ,h. o",onn" owoel. II Lond., rolorD t"l. No,. to .ny ."oln.y (Who I. nol
l.endel"a emplov.a, Officer or dlroctorl '(.\( collectIon, you 'hall pny ft runsonf\blo f\llorn~1Ioo not In &:O;OEf&O of $50,00 prlo, to Oommencement of
loreoloo",. or olher 100.' aollon II olloh loe I. actu.lIy Incurr.d by Lond.r ./10' Iho 30.d.y no"o. .nd cur. horlod 'eoul,.d by lOW, .nd I.
lor.olo.,,,. D'o'he, l.g.lacllon ID '.'.n .goln.1 YOU.nd 'h. dec'Slon 0' ,h. cOllrlls In Lon,'.".'.vo'. yon .ho" poy. '...on.b'. ."orn..... I.e.
Yon .h.lI.I.D p.y 10 L.nd.r." oour, oo.t. and o'ho, COIl.c'lon eno,s whloh Lenclvr "e'uolly Ino"" 'n eonnoollon wllh My cO".ellon """vlly.
Th., Intjeblodne.. ropr.lonted by thll!l noto I" ueo~Httd by II Mongngo eltoculucl by IIUt ~Indoreiunttd
I" 'he ov.n, 01 d.,.u" In lull p.ym.n, of ony .e".dul.d 1".I."",on\. Ih. L .nd." alII. Opllon .nd UpOn g'vlng nollco '0 Ih. und.,.tgn.d, "'.y
doOI.,O Ih. .nllre unpold ba'.nee o. 'h. .mounlllnonood .nd oO""'.d Oh.'g.. '''"oon., once dll. .nd p.yablo. A" P.,II.. h.r.,o .everally
wolvo dem.nd .nd pr..onlm.n, lor payon""I, nollo. 01 r""p.ymon\. nolle. 0' P'O'." .nd P'O'o., 01 .hl. nO'e ond og'.. 'ho' 'hel' "ablllly
t\.r.und,r 'P'lln nol be a".otea by -" 8~t.n.'on or the lime of pfl,Yl1lenl 01 .11 Qf ..ny pari 0' tho llnH)unl owing t\erel)n _I ."'Y lime or time..
"NSF CHeCK OHAFlGE, IIlh. Wlnolp.l.monn' ofth. 'o.n I. In .,e... 0' s~o,o"o w. m.y Impo... ohe,ge 0' In. .mo,on'Ohown .bovo p'ua
any amount pined 01'1 horn othef flnanolfll lnslllullone 'or each chock, or IIlmllftr slghl Ort;hH relurnftd or dishonored lor .f1Y r..Wo",
PRI!PAYMENT: YOu may prepay Ihl. loan at ~ny time, If you pay olf e"rly. you will nt.'f h.....e to Pfl~' . penalty.
Fo, 'h. pu'po.. ol.nlo'Oloo Ih. P.y"'.nl 0' Ihlo ObllQ.t1on, Iho holdor ohell h.vo lull Pow., ."d .ul"O,lty.o &011, ..olgn, COII.OI, Oo"'p'oml..,
1,.n.I.,ond dOllve' any.nd ell coll.,...1 pledg.d or hYPo'h.o.,." 'o,.oc",o 'hIS proml..o,y nol. 0' 00 much .he,ool.. may b. r.qu'.II.. Suoh
.al.o moy b.",ad. wh.n.ve, 'ho hOld., "'ay dlroo, Md may b. pUbllo 0' ""..10 wllh or wlthou' .d..rll'.mo", end wll" 0' wlthou, nolloe I" 0'
demand on the makers or any of Ihem and the hOlder mav beoome the PLHchallAf of ~n.,. or fill 0' sold oollMerpl at flny .uc~ lite.
I' I. "ed...lood .nd oQr.od .h., Ih. hold.r .hall nol bo Oomp.llo" '0 r".ort '''SI 'c 'hD 0011".,., hYPo'''oo.'Od 10' '"" .Doy,IIy 01 'h'.
obllgllllon, bul may at eleotlon '.qulre said l'JbllgatlOIl to bo paid hy fltly makor or rl'Ukor$, (monroer 0' fJfldoraQfO, Gural)' or 8urollea hereIn and to
'hlO oor..mon,..ld m...,., eodoroo,. .nd .ur"'I~. hor.by '~flollcnlly U'..lh." "",n, "'''I ""0" p.yme", 0' 1"1. ob!lg."o" by 'ho "'d m......
ondo,oo,. o'.U,..I.. o'.ny nl ,h.m IhlD prOon'09ory no's 'ng.."o, w"h 'h. "Ollo'.,al. .Io,...'d m.y h. ',an"orr.d wllhou' ,.cov... .goln'l ,,,.
rllilY8e- or hold., 10 Ihe ~artr 0' PM110G Pt'lVlrlg thIs noln
DEMAND FEATURE (If OhoO.Odl' I I "nYllme .""'---..._.Y<""'.' "0'" "", rtn." 01 ""0 ,"u" w. oon dom.M 'ho lull b.'.nO. and yon will
h.v.'o p.y 'h. Prino"'.'."'oun' ol'ho lo.n onO oil ""p.'d ,n,o,.., "O'''n.d In 'ho day wo "''''0 1"0 do",ond 1/ wo 0100' 10 o'.,el.. '''I'O~II00yon
will b. Olvon W,II/M "01100 OI.loollon..., 1."'90 d.Y.'h", "',' mo,. II1"n '''0 day" holorD P.y"'.n' 'n full I. dUD If YOu f.lllo POy, wowlll h.v.lho
rlUt'lt 10 oxsrclt$ .my rights permllh'd LIndE., the nole, mor'Olgft Or deed 01 IIU$llhtlt secures this. JOEW,
E.oh o. 'h. underslon.d he'.by .g'OOo.M ....r'. 1""OddIIlOn.1 "''''.'', ond",o..., Ou'...nlor., 0' ourell.. m.y booom. P.,tI.. h.,.,o,
hlthor wllh Clrwll"Qut n01l08 loanYOf thl) unde,.eloned, .rlel Wlthoul fl,IIectlng thft H~llilllr of fIItlY 0' H'Q portl9t1 he'''ln or hero under; .nde8ch 0' thll
und.,.lgn.d h.'.by wOlveo p'..en'ma", 10' p.y"'.n!. demond, P'OI.." and nolle.. 0 ~'''I..' .nd non.p.ym.n', end oil dol. no.. by '...on 01
nny &Kt.nllttn of lime 0' "I pav",.",t thAI mAy bet given by Ihe huldttr to tho uncltH~,ignud. Of (H1Y 01 Ih,.",; and OilCt\ of 1.-1& her.,by ...ver""y WUlvtffi
.ny ond.1I b.n.lII. or r."., I,om v.lu.lI"" .nd OPl"al'.","n' II'WD and "O"'''''o.d 0' "'hD' O'."'ph,. ,. I10W In lore. 0' ".r.."o, .noo'ed ag."..'
Ihl.d.b. 0, .ny ..n.w."h.,.o/, .nd Iho "nd.'.lgn." oooh OU'o., '"a' "01'011 nOI "" "o""..ary for Iho ''',Ida, '0 "'.or' '0 log.' r."'.d'.. agoln.1
any cf Ihe P.r1I.ololhl, "0'. bo.or. pr"'..d'ng .g.lno, My .'h", PDrty. .,nelll,.' 'On ''''00.. "f 0'00 or mo,o 01 '"o mOke,.. co-"'o.o... .'''O''OS.
l'I.l.'..ntCl~'. or O!het perUee hereto In any canoellV, wtmlhof tJY OPft(f\II(lrl ollnw 0' h'l nny l\r;l (J11~l{J t-lrl!<;Il1r (If ItIlU noto, tlhall rOlel.86 any olhor
mak.r, (lo'm'ker, ~U'4Jty, gue"l'lntor, tH othor party herulo In any t,npnc,",
Thl. n~'. 'holl h. gOv.,"od hy 'h" lowo 0' 'h" Com'"0nWn"'p, ,,' p,'nn"y'.o.",a n"""pl"" m.,. ,,,' ''''''''''P'Oell", P. I.d.,,,, '.". "lid ier
L1L'lfll(:ulflf IhQ prolllalnn of See II"" ~O 1 of r>,l.. 9n.~ ~ 1 ,'ovftrnlno flrt,l n);lI III Jl(H' '-"Of! '1l(J!Ir..1I1 .'l,'illll HPr>!)o' d 1I1l!; loalll.. &OC\Hoej by ft !Irs! rt'Orlrlflflll orl
.t)l!Ildertlll\l re", flsl4l1e or Mhor prOI1(,1!ly (Hl 1101 IOrl'l III 1111& 9tH',llt)"
.....(nICE: Tho IOllnwfl)g NOTIOE t1ppllttlO It YO.I wertl rnlurrod In un tl',I 11 snfllH 01 C(.nSIHIlfl' IHl(.i(I~ 01 (,IHvIOfI9 rtnd II !l>ubSotanllftl ponlon nl 1'10
'/01.)."0' 01 IMI.!IltlHIl h. Ueed lor 1IH1 PllTOhlJ80 01 GOIlIdHVHH O('CHIII from lhnl hUfll"
NOTICE
~NY HOLD!!R OF THIS CONSUMI!R CREDIT CONn~ACT IS SUBJECT TO ALL CLAIMS AND DEFENSES
,^,HICIoI THE Dl!aTOR COULD ASSERT AGAINST THE SELLER OF 00009 OR /sERVICeS OBTAINED WITH
THE PROCI!I!DS ~fEREOF, RECOVI!RY HEREUNOER BY THE DEBTOR SHALL NOT EXCEI!D AMOUNTS
PAID BY THE DI!BTOR HERI!UNDER.
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