HomeMy WebLinkAbout98-02684
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1. Pl~;l.nt.il!f b Oenl~J;' Fec\llral Savinq. D~nk, w~tlt,ih'
Jr;l.nQ;l.pal ,ottic.. at 4215 PltilUps BOUlevarc\,Trenton, NJ. (l8618.
,.
a. D~t.nc\~ntEJ .are M!o~ael a. Bennett ~n~ Lynn Marie Bennett,
with an. .~Qdt'.s. u' .8t forth above.
3; On JUn~l 3, 1~86 M!oh~el a. Bennett and Lynn t'fari'e ~\ilnnett ,.
eXlloutec\anc\ c\e:l.!v.r.c\ a MortgalJe 4Pon pr8mh,e.het:'dnClft.r
"
Cl."qr!l?ec\ to Foster Mortgage oQl;'porat'fon, which mortqaqe WI iii
t'.clordec\;l.n the Department" of.. Recora at Cumberlanc\ Oounty,
PennsYlvania ~,n Mo):'tqaqe Boo~ us, at paqe 13 on June 10, 1986.
4. The !'Iaic\ mortqagewas last ass;lqnec\to oenlal;' Fet\erU
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S~v;l.n9. B~nk,.SIl.J.d MlIsiqnment be.tnq s\.Iql!tequent;I.y reo'ordec\.
15. 'l,'he prem:l.liles subjeot to sdd Mortq~q... are known as 807
All.tLSt.., "NeW OUl1\l?erlanc\, PA 17070 ane;! are morll particularly"
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dej;jcdl;lec:\ .tn1!:xhibit "A" attaohed hereto Ma inoorporatec\ het:'ein bY ,
re#el;'~Uioe .
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6. .The Defent\ant,.. ,are Miohaela I l3ennett ana 'ltynn Marte
lSe'l'Ih~et .tlte reoord anar.al,owners of the sdd r.ale$tate~ubjeot
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t;otlte Mort.9aqe. "
,.7 . The EJIlic:\ Mortqage is in defa\.ll t by reason of the. faQt th~t."
;, ., . . . c', .' ,
th" montltly i\:1stallments ofpt:':inoipal i :l.ntere.t:and.so:l;'O~ 'alii ,c\He
onJall.l.\a~'y l,l~98 ,and .as'dUe on ,i the fitst dayofea'61t motltll,
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"it.h.r.af~er, ar.. etHl c1ue anCl owing andl),ave not bl;len 'paid I .a.nd ~y
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tihet";otlui\ot ~ho said Moreqaqe ,UPOn failure, t:OIl1l'ke. sUQh PIIYlllert;t:EJ
",he",~4.,the:Whole <Wtre pt'inoJp~lbalanoe and all interfllQ1;;dl.1e;
th82:'80n,. '~oq~thet' with late oharges 21M other t'eooVet'able sums and
"t~or~eY I,{fee are 'noW ~ue and paYt\ble torthwi th.
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Ill.c1eUtiOl'\, int4lre.t, atth.' rate of $14 ttSlSp,r dAY em tll. u"paia
,. I?dn.oipd balanoe wtll 'ClontinUe to llCloru. unt,i~ th~d.ta\.lJ,t,. 'h
,~.'Q1V'dj An)' payment. whiQ~ at'~, aUowt\Q11il Und.rthem~l;'.tq~9,1
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aQc"'mt/'ltand~re nedealllry tOPt'~teot I?laint::l.#, l1elat,inq.,to relll:
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.,t,at.taxa. owea ,or wh'ioh beoome ,dUI on the rnQ~tqa;ed, prope!:,ty
.t~fjJ~thl*" with tire ot' home,owne!:'s :LnsurllnCle pr,rniu\ll' neoellSaryto
, prot,eot the PldntUt, 'or any reasonable <;JOlt' neCleslary topt'oteot
.th' proptrWfrol\\ waste or vanc1albmshall .1l1EloQ'IC;lOmedue and.
'o\ti1nq by Petendant.to Plaintiff when exptlln4ea b,yPlaitlt,itt;
:1.0.. 'PUr,ulmt to the pl."ovis.ions, of Aot No.6' ,of the
,.
J:lennsylvanh Gen.ralA..embl)' dated Jan\.lllt'y 30; 1974..' ~mended,
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aNc>t~Q' bt tntlntion to For.olos. Mortga;e wd rnllned bY oertitied
Mail, Rlturn Receipt 'ReqUe.tedtothe De.fendllnt. a,t theatot;'esa:l.d
l1\C'Sl:'tQli\Ciied premiEl... TrUe an.d oorreQ~.cop1es' Of laid Not::l.des are
!"a'ttaClhltd hereto and 11\llde II patt hereof all Exh:l.bit liB" llnd urne are
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1110Qrporllted by.. t'eference hereinaa thouqh h$t'8 tully set, forth at.
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'U.iP\.IraUa,nt 1:,,0 t,he proviaions ol! Aot 91' of ttlePlllnnllylval'lh
~.n.r~~ A'.~11\b~y dated D,0811\ber 13 I .1983 I liThe.. ll;m'r~enQYMC)~t.9aqe
Rnt.t ,AQt., ". Mt~Qelll in aOC02:'dllh08 with the Ii011\1II0w."eril I 1ll~'r;'llQY
~..t.tario.A6't o('1'ge'3 Wer.mailed by requlllt' lilt OlliS" 11\a:l.l t<{t,~.
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Ptf,tnda"t. ~~ the'.a'Cot'G.a.~d '11\ol;'t~a~.d premise..
WHEJ\IllFO~Ill,'Pldnt~f.fpray. jl.\dqment. ,aqainst. Deeepdaht. inthi
.Ulll o~ $61, U3 .115 pll.\$ b\t:ereat arlts lat.e oharlI.. at the Qontraot
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(800)242.1118 .'
. (609)' m.()()88 (In Now JOr8IlY)
a770U';~
m,~,w~~h4ri'l'"~RT~ (30) DM's, w. /11,.80 ~NTIlND J:'O ~NS?1I1UO'l' (lUR IITTOIINIIlV$ TO'
sTMTflLllli'UX't'1'O rOllll/ct.oell ~OUIIMOR'1'OIlOIlDPIIOPII/R'1'YI If 'l'HIl 1'l01l'1'OIlOlfl xe
"OIlll0L911"1l,~OUIIHOII'l'(I110lliD PIIOPIIlIIT~ I'IXl,.t. BIll sOLD IIY '1'Ha SHIIlRur '1'0 .PIIY,orr
''l'UKOR'l'OIlOIllDIDPT, H wt I;',t,; you; 0'" ~o,.OUI1 \\t.~ol1n'YIli, bul: YClIl Olll'ltl:ht,
~m\l~~b',tO&" ~h"y b'9tn lt9al p~oo..(Hh\l~ A\latnttiyoll, you' W1U .\lU~ c
h,v'\lopay \lht n.~on.bh" 'ttol1n'Y'f~'" MtUIIUy '1nolltncl,. up 1:0$80.90.
"Q\I'Vtlf,U1'~'1 pl!C!o.tdl.n9~ a,~' .t.~ttd a9aj,nll1:you, yoU wUFhavtt;opIIY
t,.,on'blol .tto~n'y' ~t.., Iven j,t \lhey 8110e'el $80.09, , IIny IIttol;'ney" ~I"
w~n b"'~d.d. bo whatevet ,You owe UII, whlohaholnQ~ude olll\ctlUonllble
tin,,: c
Xv ~O\I oU~"I'IlIl,Delrl\UI,.T I'IX.THIN 'l'HBI'1'HIR'I'~(30) D,W PIIlRIOD, YOU WILt. NOT I'll
~QqxMll TO PIIY, IITTOIIHIIlY '1IlIllS,' .
W"I\1'Y.1.0 aueyt1\1 pet'eOI1I1Uy tOl: bhe\lnpdd pt'l.nolpa1bllhnoe'and.U
o\ll1e'" ",uma due, untlet .~he mOrtllllll" '
U yo"h.ve.no~ ourtd \lnt Dthuh whhln \l11.. THIR'I'Y (39) DAY :PIlRIOD.MD
VOl\lQr,.QsVIUIPI\OOIl/IlDINGS H"VIl BaGUN, YOU !-lAY S'1'IW!-lAVlI'l'HIIl 'I\IOWr TO ..QUIUI
THllDlfI'I\.~l,.T. ~D I'RIIlVIllN'1"'I'HIIl Sl\l,.1D II.T IINY 'I'IMlIl UP TqONIl (l)" HOUR PlDrolUO THill
:.SHII\Ir,'a,QI\IIlQLOeUIUI '.Sl-I.II,lIOU HAll DO"SOBlI IlAYtHO THII TQ'1'AL Alo!QUNTOr
'~"~,~N"~,tD KON'l:'"LY. P^~~IlNTS Pt.US IINlIlI'l:''1'OllNlIlI',. ~1I.s ~I;l,oOaTIIOONNlIIQTIID
.WI'l:'H'1'HII !rO!\Il~,LO~Ul\lIISl\LlII (/\ND PIlRrOI\MI\NYOTHIlR,RlQ.~Il\III:\lIINTS UNQlIlll '1'lIli, .
HOII'l'OAOI)',Itil.' ta\lj,mllt.d ,thl\t: \lh. Il\rU"\l dll~l1;h.\l ,uol'lI shldW.
a,~.or:lu~~ bl,hl1c\WOllltlbl I\pfll;'ox~ma~ely elK mo,,\lh. from. "qW.,. .NoUol,
r:lqhl ~a~"9' \lhl Sh.t'1ftsa1ewU1 "b',e"n1; ,~o you betor, t;h. sa~l. Qf,
R9\l~a'tl~t ,",oun\l n..~ecl to,oun~he c\eU,u1b. wlLl lnor.... bhe10nll"r;~9U
,,!~j,k ,'((:IUmay Unci qll1: .1I\l. IInY HIllI elllloUly whl\\l bh' ",eCJllll1ta paymt"t;wl11
b,,~y'oaU~I\~ 1~eClo"a4a"71.7e, . '1'hla pAymen\l mu'~bl .1n OIlRTIVXlIIP PIl\SON1\Io
QKIClK,QI\S"~ll~' s. .OH.IIOK OR I1QNlilYORDIlR IIndlllaeltpllyab1e to '\l.lIb . ~~,.,
ac\c\fl"i' onMef~ontot,\lh1. noUol, '
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" ,Voll'h,O\llcl~'ill.L~'tnllbll Sht~W',' SAltWU~,'..nQ YOUl:llwn'I'I.h,l.pOf ,\lhll.,
HOl:t\la9td"pl:O!ill'l:\lYMd yout'l:l.9h1:,\l0.J;'lmdn .l.,n 1\l., U YO\l Cl,~I\Unu. to ,11'...
;"l.nth,pa;optt'tiY IIt~lr th.' Shu1U'1 S1I1e,' II ~lIwault. Clou1c\' b., l\lat'~'QI,t\t1
Ivl.~\l YoU.
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1(OU haVladclLt:to.nU rl.ihb. !lo"help pt'ot:.o~, YOuI:' Ln.t:et.ab. ,11\ bh"PI10~rbYI
'(9V.llI\V.':':\'"II~XOHT'~0 'SlIit.~ ''tOHII/ P\\O~~I\'l;"Y '1'0 QI\'t~tN MON.llll TO PI\Y (I" Till
. !COl\~t1ClIQ.P'i'1 "QlIpOl\1\OW MQN$Y,lIOH1\No'l'!l1l1\ .t.IlNDtNO .INS'PI'l1U'1'ION To Plly
Q"~"U. .DI.'1" ..', YOU HAY . ""VlITHIlR~OHT'1'O SlllLL 01\ '1'lWl"ll\ '1'HI SUIII1I1~"
"'l10THII'II1I1UI. 0" THill 'HOR'1'OMlII" TClIl Bunl\ 01\ 1\ Tl\l\NS,IIIU1Il.tfHO WI~lJ' IISS\IMII
T~I!Il?l\';O"l)UIBTI PROVtPIIlQ THATl\Lt.. T!lIlOUTIlT/\NDXNO. Il"lIHleNTS, QllAAqlS,
"M\lIlT'1'C;l,,"IINrllllllS'Al\IIPAID PIIIOl\'lO ORA,:\, .TH.SAloI. ,.CON':\'Ad1 Up'JIq
~'::~~.~~.;~w~ic~~n~~H~~~g.:l'~~~ '.;~~~~ rJT~Xi~~iHO~~~~~\rHlll .
'l~r'YOUHII~THIl. I\IOH'1" TQl\8Il1llR\r . IN/\NY'0IUlOL08UI\I PROOIIllDINOQR
/\NY OTHIllR t.l\W8UXT IN8'l'I'I'U'.l'IIlD UNDIllR THII HOI\TGl\~1Il DOO\lHBlN'l'8,'I'HI 'NON-
IIXISTINOI or IIDlllrl\ULT OR IINY O'l'HIIlRDllrIllNSIl YOU HAY Hl\V! TO /\NY IIOTION,
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"C" ,li....CENLJ\RI
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(1l(1O)242.7171l " ,,' '
(609) 53111()()1l1l (In Nuw JUl'lluy)
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:1,770$9"1'
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'm~~'w~ahLn,rrfl;R'I'Y (39) PAYS/WlIlllr.,SO IN'rIllND '1'0 INS'rRUCTOUR M''rORNIYIlTO
. ''l'MT II l.,lIW8UI'I' '1'0 'FORJlOl.,OS!llYQURHORTGlIGlIlD PROPIR'rY. If .'1'11. MOR'1'OIIOII %8
'fORlOl.O_.P,. YQUII'HORTQlIOIP I'ROP.IIR'rY WIl.,l., III SOl.,b a"''rHIll IlHIRI" ,TQ PIIYQrr
I\"III!l ,MOI\~lICur'DIB'r,H WI r,elllyour o"I.,ao OUt aaaollnlY', but Y~\l ou',:. th'
',~...'..f....... U.h b.'.fOI:.I,..,ah. IY. .blgln 1Ig.al. p. ro.o "el. ln9'.. ~9Al!l.tYo...u, YO\.l WJ.l..1. '.a 1.11. ""
'hav, tlO pay'thl rluonAbl1 att"",nlY'1 tl" Aot\ldly .I.noUlluel, up ao $10.00.
How,vI~!U 119111 pro!?..eling. a"'I,.aut.el ~ga1n.a YO\l,You wUl havI.to PlY
r,".Ol'ilbl.~t.1l0I:nliY" t... .v..n it ahey IKO..el $80. Oo~' IIny atto"'nIY/ .t.,.
wUl b, Acld,CI to whlu.vl!'" you OWl u'" whLoh al'Q ino1\ld' our 1Ii1..onlbl... '
,f'.'i" .., "
IF" YOU OUl\lll" '1'HI DlIFIIUl.,T I'lXTHIN THlIl THIRTY, (30) DIIY P,IDRIOD, )(01,1 WI!:.r., NOT a!ll
RlQUII\IP ~ PM'I\T'I'QRNlIlV '1IIlS,
.' " - - ,.
"It may 1110 IUI you P41J:1onllly tOt thl \.lnpAid prinoipal balano. Incl AU
Ollh.1: .um." d\l' unel.r t.hl mortglgl.
U, you h~v, not ollr.cl '~h' D.fault within the THIRTY, (30) Il/\\' PIllRIOD~D
.. rO!Ulor.,OSURJ) PROOIIDINGS ,/llIVlIl BIG UN , YOU MY STI~lo HllVIl, THI RIOHT ~ OUM
THill DlrIlUr.,'r /\ND PRIIVINT THI'SlIr.,lIlIlT ANY '1' I Hill UP TO ,0NIl (1) 'HOI1R 81lr0Rll,THIll
SI!JIRUr'S rOI\1l01.08URII. S/I1;I, YOU MY DOlO IIY PIIY%NO 'rill TOTAL AMOUNT or
TIIIll ,:UNI'''IO MOIiTH1.~ PAYHBlNTS, Pr.,UI/lNY IITTORNIlY / S I'lIIIIlS AND ClQSTI CONNIIClTID '
,.IIn'H ''1'111 FORlOr.,OIURIl .ALe (AND PBl\rollM ANY OTHIRIUIQUIlUlMllN'1'S UNDIIR THI
I:IORNlIOlr." It ,11 ..tlJ.m~t.cl that thl latH..t elltl that luoh a ShuUf/'"
..~. ooul~ be hll~ wbulel b. IPPl:olCim~tely .'Lx monahl fl:'om now. '" NoUp..
, Of t,l" dlte of thi Ih.a:J.U hl", will b. 8.lnll' to you betol:!! thl 1&11. Of
00111"11' ah. amoullt: ,nIlCl.el 'to ourl th. el.hil1t wUl Lnoa:....". the lon~.t: you
~a.l.t.. '~O\.l mAY einel QuI; at any tlm. 'KIOtly what IIh. lI'qui",.el p'Ymln\l 1'111'1
bt 'by oalUnq 1"SOO-.Ua-717S. ThhpAY1ll.n,t m\.l.t ,b. 1n OIlRTlr.lllD PIRSONAL
. CIIIOI(, 01\8H1II\' S 011101(' ORIIONIY OADIR Ind mlcll l!,IYAbl. t~ UI,..t thl'
"dF!lIt.., on th~ fronh ot hhil notio., . . , .' ,:'
You .hould 1;'.&l1&I'that.. Ih'I;'Ut'. SIll will,lnel VOUII own.nhip of hhl" '''"
. MO~Il\l",glel pa:'op.tty Int1 YOUll II1ght to I,olmain ,in 'Lt, It you oontl.l.nu. to. liv. ' ,
Ln \lh. propel;'1\y dall;' t.h. sh'I;'Uf '.,:'8&11, a hwluit could bl Itl[ll:t.d to
'Viall ,you. ' . .. "
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lIou ,h"Vi ..ClcI.l.tl.I.Ona1,l:iqlltl tCl'ihl~p ptoalot YOIl", int.n.b in, thIPIIOPttl!t*,
lIOU"HA"""'1'HII,~IOH'l' TO 11t/1.THI PROPIIRTYio oaTII'IIlHONlIlll~O PAY '0" 'rill" ",
;lCOI\'l'llMIDI8T. 01\ 1l0RROW HONIY!I'I\OM ANOTHIR t.lIINDIIlOINITITU'i'IONTOI'AY ,
qrr,'/.'HI8Dlltl'1'. YOU MY Il/IVlII ,Till RIOH'1' TO Silt/I. OJ\TRANsrIR' THIIIlU8J1ClT
'1'OTHJl '1'1l\MS .0rTHI MOllTClIIGIIl, TO A IlUYIII\ OR IITRllNSrIRJIIl,waollILL ASIIIMI
Till. lCOl\TOAOII DIIlT,PAOVIPIlr) THIITIIL1. 'l'HI OUTSTANDING p,AY:\JlNTI,C~I1IIl.
MfD AmllNIY 'S~IlIl. /IRIll PAID PRIOR '1'0 'OR AT THill SALII.. OONTAOT UlJTQ
tillTIRMINI UNDIR IIIllIT QIROUMIT/lNCIIl THIS RIl1l1T HAY lUST. YOUHAVIl THI
IIIOH'1' !l'O /llIVB THISDIrIlU1.'1' OURIlD IIY /lNY '1'HIRD'llAl\'rY ACTINO IN YOUR
BeHALr. YoU HAva THI RIGHT '1'0 AI81lRT IN IINY !l'ORBor.,OSURII PROOIIDINO:OR
ANY O'1'HIIII ~WSUI'l' INS'1'ITUTIID UNDIR '1'HI HORTOIIO. DOOUMINTS, THI NON-
KXIST.NOlor A DaFAUL'1' OR /\NY O'1'HIR DIFIINSIl YOU HIIY'HAVI TO /\NY ACTION,
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PAOli a OI!PBNDANT AN~WER OIVIL 9s.aSS4
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. "1, DISAGREe.. we ,HAD BEEN WORKING WiTH A MR, MORALES AT
OINl.ARTO BRING OUR LOAN OU,RRENT, WE HAD FAl-LEN BEHIND ON
.OUPt JANUARY lea AND FEBRUARY 'ea MORTGAGE PAYMeNTS. WE HAO
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NOTIFIED OENLAR THAOUGH MR, MORALES THAT WE WOULD 'SEND IN
.'.. M~ROH 19S PAYMeNT AND OATOH UP WITH JANUARY & FEBRUARY,ANO
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'~PRI~ ISS BY THE END.OF APRIL WHEN I .HAD ADDITIONAL INOOME
I' '. '
OOMING IN, WE SENT. IN OUR MAROH'9S PAYMENT BASED ON THIS
UNDEASTANQING, OUR MAROH PAYMENT WAS RETURNaD TO US.' (SSE.
j. " - . "
. ATtAOH~D PHOTO OOPY ,OF MARoH PAYMeNTOHEO.K ,& OENLAR
. LETTER,) (OOPY 1.7.1). WE THE~ RECEIVED A NOTIOE (ATT~()HIiD OOpy
At 1.7~a) OF. AN AMOUNT DUE TO ,BRING THE LOAN OURRENT FRQM
OQNROI!I HING & ASSOO. THIS NOTicE WAS DATED APRIL 20,,199SAND
$TATEDAN AMOUNT OUE ($2,937,59) TO BFCING THE LOAN CURRENT,
" 'APRIL 20, .19$S 'NASA ~ONDAY, THIS PAATIOULAR .LETTER WAS NOT
RECEIVED BY US UNTIL WeLL AFTER APRILao, 1998, We MADE
, - ; -. - .' .. , ~
'" AR~NGeMENTS TO'SEOURE A ceRTlftlEO CHEOK(OQp\, ..703) IN,THE
. AMQUNT.OF $2,931,~O, (WHIOH coVeReD 'JANI98, FEBt9S,' MARI98, .Af,l.Rt~8 "
" ,PAYMIiNTS AND LATE OHARGES) DATED APRIt..~8, 1998 ANDSENP ey
"'OERfl"'ED U,S, PO$TAL SERVICE, MAIL, THE U,S"POSTALSI!RVIOE
. 'GReeN RETURN ReOEI~T or: DELIVERY ClARO (OOpy e.704), STATaO
. "
.THAT THE CHEOK WAS REOEIVeD,BYOENLAR ON ,MAY 1, '1998, tHIS'
CI1l!OK WAS RETURNeD WITH A LETTER(OOPV 1.1-8)OA'1'ED MAY 7 BY,
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PAa$ 40l!FI!NPANT ANSWER OIVII. 98.28e4 '
O. DISAGREe. IFPI.AINTIFF HAD AOOEPTED PAYMENTS AS SENT BY US
, "FOR MAROH 'eel OERTIFIEO CHEOK TO,BRING I.QAN OURRENT, AS
INSTRUOTED ,BY PLAINTIFF'S ATTORNI!Y'I.ETTERI AND PAYMENT \,OR
'MAY .ee,' THaN THIS AqTION WOULD NOT BE NEOESSARY, DEFENOAN'r ' ,
O~FERSTOPROVIOE OERTIFIEO OHEOKTO PLAINTIFF FOR:THE AMOUN,:i
OF $S8e2.89,WHIOH INOI.UCES JANUARY. FEBRUARY. MAROH(pAYM,\iNT
AN6LAT~ OHARGEpF 737;4~ PER MONTH AND APRIl. AND MAY(PAYME~T,
,AND I.ATE OMARG~ ~F 725,30 PER MONTH.. WE A,sK FOR OUR '
MORTGAGE TO BE 'REINSTATED AND FOREOI.OSURI! AOTION TO BE
j. 'I' Ii
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'l;ERMIAATEP, AI.S~, we HAVE THIS DAY MAII.ED OU~ JUN'l! PAYMENT VIA
I . ,U.,.S, M~11. ANO HOPS ,4.NOeXPEO~ THAT THIS WIL.1. BI;AOCEPTEO BY"
" ,
PLAINTIFF, '
, ,
. 10. WE 010 NOT HAVE THE OPPORTUNIVV TO REVllaw THE DOOUMEN'f
;",- -- - , --,- '-,-,;: ,- - - -, - ,
:OESORIBEOIN THIS SEOTION,
" "11,WE 010 Nor' HAva THE OPPORTUNITY TO,RE\lIEW THE POCUMENT "
" ' " - -
OESOR.lBEO IN THIS SEOTION, " ' ,
'WE13E~1I'HE MIiRCY,OF THE OOURT ANDTHBPl.AINTIFF, sINoe19G9WS
,HAVETJitI~O UNSUOOESSFULL.Y' T~HAVE Pl.AlNTIFFRlilMOWPMI
_, j'_ -;, - t, ,- ': 'j, ,
, ,INSURANoe, FROM OUR pAYMENT AMOUNT,. ROO SHI!NK(A4) MAOE ''I''
OLEA~N.AI.~ OF OUR MORTGAGE APPLICATION OQNFE~ENqIllS THAT
,PMI WqULO AUTOMA1I'IOAl.I.Y' OROP OFF AFTER ,TWOVEARS, OF ",
,_ ,. - ,'_ i
. PAYMENTS, .
,
"
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,.
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PAGE ,6 OEFENCANTANSWE~ OIVlI.. 98.2648
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WI! HAVETRIEDlJNSUOOESSF~LL. Y TO RE.FINANOE ANO OR JU.ST.HAVE
",- '
OUA INTEREST RATE WHIOH IS AT,NEARL.Y 10%' LOWER~D THROUGH
,rHl! PLAINTIFF,'IN 1991,1 L.O~T MY JOB OF 16 YEARS WITH HSOHINGI;R'
, '
COMPANY ,AND EXPERIISNOEO A TWO.THREE YEAR PIS~IOCOF
UNlaMPl.OYMENr, WI! NoriFlI~OPl.AINtlflF.OF THIS AT ONOE, WITH NO "
" _ 'to
~I!LIBr GRA~TED,I HAve NEVER f1'Ul.L Y REOOVERED THE INOoME .
Laval.. WHIOH I HAD WITH HE!OHINGEA, OIJR. YOIJNGES:rsoN
" OHRIS'TOPHER WAS eORN PRE"MATURE~Y IN qOToeaR ,o~ 1990 ANI;>.
SPI!NTTHE FIRST 47 DAYS OPHIS LIFE IN NEO.NATALINTEN'SIVliOARE, .
i,HIS EXTREMEl. Y HIGH MEDIOAL'BILLS PREOIPITATEDMY OEPARTIJRl! '
_ _ _ - r .
FROM Hl!OHINQER LESS THANA YEAR FRO~ THe 'tIMERe OAME HOM~"
rOUS, TI~~FINANOIAL HARr;lSHIPWHIOHllJEGAN AT ,tHAT TIMaHASNC>T.,.
SUI!\$IDI!C, WE HAVlfHAD.FAEQIJENT AND RaGULAR OOMMUNIOATlot.{ .
.'
WI~H, THEPl.AINTIFf ON' THISS,lJllJJBOTANP TQ DATE !-lAVE N9r,Ii,EtEN
j ; ~ - , - - , - - - - - - - ' - '- - - - -' - -,' - ,'.
,AISLE TO OBTAIN RaILI!!F FROM QIJR HIGI+tNTSREsT RATE,'WEDID NoT "
SUE'T~EPCAINTIFF FO,~llJREAOHOP OONTRAOT ~HeN"pJiNT\F~,
FAILeD'fO PAY OIJR HOMEOWNER'S INSIJRANOE IN 19921. WE DID 'NeT ,
,- ". - " -- --
H 'SIJ~ pLAINTIFF WHEN THERE WERE IRREG\JL.ARI:t;IES IN OUR'~~O~OW .
,,'
" 'AOOOUNT SEVERA~ TIMES OVER ,THE I..II='E OF THELOAN.~E OlD FiI~E
, ,. - -.' "" ,
. ,Q'CMpl.,AINTS WITH ;T1"\li PASTATE ATTORN BY GENERAl.,PA aANKING,
OJ1flr ANDTHli FEDE~AL OF,FIOEOF,TlrIR1FT SUPERVISION \NlTIHOUr;
"
R~LIr:P,(OOPY'SA.1, A-a, A-~A), ..
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LAW OFflcel
OOKRO~, 8~~Q A ASSOO~ATBS
MTI 1400
1700 HARkUT ITRBIT
PKlLADeLPlllA, peNNIVLVANIA 19101-3914
... '.,
(II.) '06100400
PAl< N\.IIIIIR <1m 860.5160
13-7-~
r~Y
~1'O^YID I. ~0lI
,," QUNN', NINO
It' ftOl'RT ~"WIUOM ~
...
au.URBAN OP, m.
,p,odOM 901
DRVN.NA~, PA 19010
, oP cquNm
ftU,COA M, ,LANDII ·
. mo MIHliR N.~. 'AR '
,'Aa:a DIBT O()~LBOT3l0N 'l\AOT~O,!I&I ACT "OTtOI 0' I).IT
1
Lyl)n Made Bennet t ' l?RIllMISlllS I' eo 7 (>.U\!!n Street
807 Allelll Sl<~eet Now Cumberland, I?l\. 17070
New cumberlanc:\il?A :1.7070
.\\pZ'4.1 20, un
,;
NAME OF CRmOI.~O~ 9WlllP OIllBT, clllmt~' 'l!I12'~;' ,AY;\lI)' ,'~
, ,
THIS IS ANA1'':I;'IllMI?T, TO COLLIllC'l;' A PIllBT AND ANY ~Nli'ORMATION OBTAINlll,D XN RlDSJilONsm
TO THIS NOTIClll W:tl'.i1.o,iBm ,USIllO TO, li'URTIiE~ TI-U\.T ENP t '
. As of AP~U ,IlQf!L@ge, , thll, ~mol.\ht:. of $2 ',~37. ~~:Ls neoessaryt;.o ;rUnstate
(br;l.ng yourloe.n our;reXlt) the mort!iJagt!l, art;'ea,rEl' ' Aft,er that date', Sh9Ulc!lr' ou fdl
to reinstate,. ac:\d:!;t;l.onal late.ohargelil anQ month~.y m.ortg,.~e paY1l1t!lntsshal, l:leoQme
due ana Qw4.ng, :tnadcl.;l.t4.on"app;I.;l.oal;ll,E1, preforllolosure,oosts togetller with
attorney I EI fees as, Silt fOrth unc:\.,r A~t, 6 of 1974" 4.:1. I? ,S" UOletStjl<rm:l.ght beoome
due anQ payable, Snou14 a foreolesur~ !lotion l:le irlQmmenoe<1' pr~o;t"tO r.,in",tatement::
of your \TIortgage a,r,rear,s" adQ~t:l.onal fBleJ!l anc1 'forCllOlosure 00, lilt,S" will~eo,o",e, due,
I f you intena to re:Lnstatll your arreara,geoontaot, tnh Qffioe fOl:'the .,x/lpb flmount
then due, .,' .'
. '
. UnleSS, you, t;~. OOl1sumer" with~,n th;l.;!:'tY(3Q.) days, after tEloe:l.pt of this
riot;l.oe,c:\i$PU\;'E1tlllli'VUii;Uty oCtile, 9.C!!l:lt desor:l.,~,ed above,' or allY P9rtionof that
debt, the, debt will l:Je assum~a l:lyl.\S, ,thedebl;. oQllC!!otOi'/~o .J,;e vfll:l.d, ", .
If you nol:.:Lfy U!l~h\'frit;;:l.llC!<! W:l.t:llitl. ,thC!! ,thir~y day Pllrio~ '"!;,nf:t,, the al;love
desoribed dep~ ~ Qr~nypo;t't:!.ontl1,llr.Qf" is DXSl?U'!iED.I we will oJ,;ta4.J1 verif4.oation
of the dliilbt, o~ ,aoopy of any judgment Ilntex-edagdXlstyou., thel;'eon ,.and a" ooPy of
suoh ver:l.f:l.o!l.t:!.onQrjU<1gement w;Lllbe mailr;u;3, to you by I.\S, ' ',.. '
i.-' .... ; .." .. _. ." .' ,. ~ . " -." _,. .. . " , . . . . . '. . -, . . . . .... .' . . _ _' '__', '" .. _ . .: '-.J . _.'.' - . ..'
upon, w#t;.t.,nreQUC!!st by you w;l.thint;.h;rty <iays afte),"reoe:l.pt Of, tlli'" Notioe,
we, willprovidllyouWitl1.tM nli\.me,~tl.cl. the adcl.reslll of Mi. Ol:'.ig:l.nal oreditor if
different from theored4.to'r"namllid ;,aboVe, , , .,'
"
.If yO\,\ nQt:l.~y~s,:l.n WritillS W:l.th:l.n the thirty day~e2\:l.o(;! tn.ttM'~ebt or any
port :Lonef th. ,debt;l.EI 44./ilp).\t.c:l' opthat ,you 'r/ilqueElt tl'ie na,mll 'and at;!.q,reElEl of the
~h~~~~n ~~~Ut~:., q~~~~~~~~r~~?o~'tOi<;lnl~Qft~h~ Olei~t!lo~e~tb~p: ~~\~;Sf~a~~m~~~;i~~
the name fll1d ac:\c1rel\lsof tht;l orig:l.n.;l.c;lreQit;.or,alld,li\.' oo~yof lauoh Vel;'i:fl4.oat;l.on or
. judgement, 'or name ,.!,-ndad\!r,eSll/ has been mai:l.llid tQ YO\.l.by \.IS,
'1'HIS IS A,PRO~.S~ \$lIl,PUlPO.., o. tmIQH :UV.'1'O dOltu.IllOTA .P'BT~ ~ ~m'ONlA'1';ON
OB'1'AINBD ..'l\OMYOU OR'AllYO~ IIlLSIl W~XiL BIIlUSBI) '0,_' INn, 'l<
,.',- ' -- ." -. ." .." - --
If you have an1 C1ueeu1oiis " please OOrttllot thlli'\1n\!erliligned, ,.
\"",\:~~II~t~O^Cm.~~~:~'0~B~~~ "'vD'eA~ryt~ru:', Y YORu~rlil,.'lll' s'~',),',.' '."',',,..,".'~,'
"'" :.1'101'>1 O!'\TAINBDFI~O~1 !OUI)~. /_, , .'
Ola.C/hms "WlI.!.. UE USH\) TO '1 liS: I, ill,
',\
,,1, Ref'uncloverage
2, tlSl;!, overage towards he;xt months payml;ln~s I
:3, ,Apply towards pril10ipal only.
W.,hj"s ~~to inf', ormy,o,U t,'h,at we wiSh,' ",to, apPlY, ths"l1lsorow' ova,rae;l;Ia,' s'
,l:'~iJ1)ortec;! ,Py' you to us in the letter of' Maroh, 2"1gea aooor,ding "
t"QOPt,ion"ff,',:3 ~ APP~:y, t owards,prinoipl\\l On,lY. '1'he balmnoeas of' ,the
~;3r!J O~ Maroh j 1988 was 97, 89 aooordin~ to yourlet;ter j, .. ",
u,
,,~~~~:I.~~0;~~P~~~;6~lKn~r~~!: t ~:~:j rO~a~~a;~mr ~~;'. elw~ i;e :~:r~~l~Y~'
'",:re"'~I~tl;lc;!.in, nearly 100 dollars a mon'oh being ac;!qed toou,r fi!r!!lt six
mQn~hl!l'''morl1ge,~e paYment I 'Af"c,er oheohingwith,our oountyta.x Off'" iO$
" . ,emdlOy,~omeClWnerl'l insuranoe agent we oan n9t underst~l1dhOW ,our
, 'p"!.ym,ntS ,oo\lld have risen, ,I!lodramEl'bioally in suoh a short, tim~.\, W~
'Wl'J.n~, t1detailed" b11ea~,down like you clidfo,r ,us last.yeEJ,r whe,n this
ha, P, p"",e"n, M,t, ous'at'/t,~a~,'lt,i, me, ~Ol!ll;le,if' miata,k,l;!I!l I'/ere"m""ad,e". agd,n~ '"
W~Lhavepaidtl1e11 j 21,,':'1 paymantaingoodfai thbutfeEl:L
oOl1\pe:l.;J.ed' to< a.!!Ik fOr, yotlr'l1elp again peoauae c.lf'thepe,a~ e1;'ror,
.p-. ,-, - , ,>
"," We,'EJ,;J.so.,y,'iahtQhava ,an Ell1!!1wer t,oo~t' lnQ.u,!t'yaboutthe :PM! EltiU
;be il1~1laken fro in ,usee,oh month, We were, tol.dby Mt'. R9d' $nenok:,
, tile Ql:'16ina1 loan. offi,oer f'rom F'Ol!lte11 .M9l:'tn;ageOorporation, 1itIliV~'
.' "thel)M~'Wotll\'latQP af'tfll11: two Yea!:'s andtha~, this was<ju!!It P\lt,On,,' '
'"toth,e tiJ:'I!lt '\)'1(0 'Years be,o/i',use we onlYPLlt dOwn 5% of', the , oN~inal."
" 'i;:.l'ut',onlil,u);lX'1oe,.,Hea~it;1tha.t PM1stops' af'teJ:' ,two y.eEu.""peClau~e th'$
Q~u~:t~ ir\~o,ut' houI!legQes up and we were told ..to ~oolt fot', tha~
f'ee;.todrOp'o1,:' be 4ropped a:f't,et' ,two~ear~I He also inf'orme,dl,ts i,t~!l~
:PM;Ji'Wn'aJ.~ojtlJ'lt toprotet)t the 1l101"\t~a,l?ie oompe,ny ~n thee'Ve,nt,tne
, m~rtgE\ge payer was unable to oontinue payments aM OUJ:' reoot'diB
~~~~s~~n:~~:l:~e:a!~d t~:t a;~ego~f s~~:, ~~r~:a~: ~~:~~~~:r;~~:d, n~;s,
.hapP~hel1 to QI,lt'EI with Oenlar that the'PMJ: wotlJ.d I!ltin dropo;f'f,'
'A olael!ll1lEJ,te Of'.m~nlJ who works in, the pennaYlvaniaS:bate,Attor<ney
Oeryel;"a11!lO;ffioe here in Harl;" is burg said Wt;! should aske,bQtlt:. it ',.' "".
beo~.\lBe'I1lMY mortga,ge oOmPlil,n~e,sthey deal, withof'ten.fail,.toin;f'ol"m
theO\.lBtt;mer .,that tM PMI iEl no longer needed. I W~o'l1e a~lf('lit,er
['it
i ; ~
,i
~(UIL ~g"~'4e
A~'I.
Ma.roh 22 I 1989
MEl,t,lrqen Pl\tI'oElll
"Sen~or Researoh OQordina'oor.
Ii.oanAdmi,l,1iBtration '
Qen~arJ)'edU'alS~'-Yings lJanlt
",(lN~~:32 ' ','
, Pt'ino.e'tonl New, Jersey
Dear Maureen.
- - , .
O,I1'.M~,r.,,:'o, h,,' 25,1 ~9130,YO, U,intot'm,e dUB, " itl wri,t.i,l1/1; that, t,'(le,re,' ,was a,il
1noorreot esot'ow analysb perf'ortri!icl .on 9ur aooo,unt. ft2?7,069~1.,
At" that, time youe.I!lked us '00 inronn, you in wriHng whitlh oP,tioll
we W~I!lhet1.'bo pursue, namelYf .' . , . . '
"'I'
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J\;\"
Page 2
",t,'O Mr, I,.., iI, a, l,mHI 1'6,Y'tih,1'8, as, prGlSidCmt,',Of, ~OQ'\Je,',l' ,Mo, rtsage oorpor", ~"tio,',n
eXP1"'lning 1\11' I, Shrmok'B s'batsmentl!l, to IlP abou'b PMI drop off' an~
hAve, aeltsd 111m toperElonally wt'i'tie to your President, Mli'1."Mlohs,e1
.YaUM',' to eXPlli/.,i 11 our g09d Payment histo);'ypf',rom W, hen .ws hacl bUr
/llo1"tga/l;e wi~h Foster before Oel1lar bought it f'1"om them. ",
1- 'I,; , _ ,_
I J'le ars odhoefoMtl: li/.bout it beoause we weretolcte:ti oUr ,mot'tga,ge .
O"l"OQing,I!lUs, i"o,nW,h,an WB, signed Ul t,he paPftt'st,hll.tt, h"i,El P,M, I,WO,U"l,d,
drop of'f'~ndthat if it didn't We, should say something about to .
OUr1otl,n mortgage oompallY. . BeoausCl '\lhis Vftt'bal oommanta,nc1 state..
.men" t" 0 00, urra, d a.tthe ololJing sa, BSion" an, d,wasmen"tioMd, t',epe,atedl,Y
prior. to our signing <Jur mortsage p(\pars we' have been: advised that
this ,is to b~ oons idered a pat.tot our /ilgreemeht and oontra9t .with
Fo,pterli/.nd in gOod faith should be honored by Oenlar. "
M, .y",'",.,br, at, he""',, Ofl.d, a probl,emwith," to, mis~Ne, t, t, 'let,'on M, ortga,g, e O,o',m, p,a,ny, li/.n,d
he ended up as apart pf a large settl~ment orderecl by the Attorney
'I, Oenerel,l or the Oommonwea,l th of, Penn13yl vallia Whioh 'bhey had ,to pay
'/ ',.b,',eoa, uSe' 0, fmi'slea,' dine;, ' and" inaooura.te s, t,atemen,ts 10,' ado to OU, stoml'!rs,
' at .the time of'signing tor 'bhe loan Whioh it turns out wsre nO,t
I . eth,loal., '
'i, ou,', m, a, y as W011,:,',ltn, '0, Vi, th~'b" w,e a, reBEl,n" 'di,ng ,:00, phs,of'all'ool:'resp, 0, nd,e, noe
l:'egal'cI ihg our dealings w;I. th Foster/Oenlnr from the las,t 2f yellrel
to'the Oon$umerProteotionDiviBionot' the Attorl1ey Generals Off'ioe
: beoaulile of whe,t We have heard from my brother. and my qlassmate in,
'1: . Mr., freates offioe, . ' . " , "
I
, I,'"'wo,"nde",r, , What,' happens, to peOPJ"eWithout,,' th,eooure.ge to CJ.,u G,S,,:t, 10,'1'1, o~
' I ,inquire 'about matters like these., Maybe there at's others like ,ue
! Whbhave, had similar experienoeswi~h '\lhei:r mort6Qges. .. L"
It is 'also, interestil'tgto nQte 'that Foster has 'olosed all 0;1'.. 1'1: IS
~,hj,dof't'ioesse1J.ing mortgages. I wonder whyl
t- _", ,
Thll,nky'6u fo:!:" youra''btentioll to 'Vilis mattel'..
,
Patiently,awaiting an anSWer,
I"
I Miohael a. Belme'll.t
; 807 Al~~n Street .
, New Oumberland I Pennsylvania
, .0Ql Oonsumer Pl.'o'lleo~ion. DiVision
Attol;:ney General .'
O(lm\i1onwealth Of Pennsylvania
,.
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'3. P1dntLtt' hl\l.a11e;ld ,1:hat Cetenl1ll"t.d.fal.lltec1on their
monthly mot-twag. by la11ini to,mak, the!l:' month1ymortqaq,paymttnt .
" ' -- ,,' ~ , - I' !
It'om u January" lr lU8 'to date, a period ottWe1v., 12) month,. ,In'
..re.pOI'I.e to. Jil1dntitt'. .ver~ent Qf detault',. Detandant, haVe
. aUeged an oral aqt.ement with a Mr. Moral.., whioh aqr..ment,it
!i ,
,it.v.rl,xilt."i, inefteCl~ive tomodiry the t.rms, Qlthe Mortqllgt
d ,
_nd ~o~.' ,xeoutllt by Defendant,., UridtrapPlioable law and tll.
,- --" 1- ,
' ' .
, 'MortgIlW,.and NQt., Pldnt:if~. Ire not bouncl ,to aooept 1,., than ,the
'; ,u
~aU:.mQullt due. The NQtio'i' otApr11 liD,. 1i98, Itat.d,
Ii
{;,
"A. otARd~ llQ. ~99i, thinmount of fll,937.U
i".,:,,,.Q, e.s4U:'y, t,o rdn.tlltl (bring Y,OU,r, ,loan
ClUrto.n1:) the mortqaqa arrear.. Atter':that .
date,. 'houllt you tail to rein.tate, aclditional
lata "Onl\toq", a,n,d mo, nthlY , m, or"1:9, a, 9' ,P, ayl1l,." nt,'
.hall beool\\e d\.le ~n(t owinq, ,In aclc1ition.
appl!ollbla p,rl tor."" 0, 10'\.Ir, ',00" .t."t, 0, ;,,1;, h',.r, ' With,', .
, attorney' 8 .f... 1lI,.I.t ,orthund.rAQt 6 of,
U,74, 41., P. S,' 5101 .t '.q.' might baoomadu.
ancl paYllb1t. ,shoUld 'foreolol'!rl .otion b.
oqmmanQ'dprior to rdnatatem'tintOf yol.l~
. ;m"" 0" r" tql\ge" art','.,I:', lib'" ,ad, ,d,' :l.tiO, n, ',a, 1 f... a,Jld"" ".or., 0.,;1.0" ...,
" 8\.11:'e oOlt., will 800m. du..:tf YO\.lint'nd to
r_.1118tllt, your Iltrelll:'aq8,. oontaot th.l.. otfiol
tor the, 8xaot amount thl," due, "II (emphada:in
oriqinal) . ,
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t,_"
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" D.t.n~.nt", '~n.tead Ot oont~ot::Lnq Pldl'ltift ,tor ,;~.
all\~l.!,~t dua/ "attempted to' .end $2,1137,89 ,att,.rn,the til~ .wa*, :':'~
ntei:recl to.ooUn.el) to Plaintiff on M.y 1, 1ll~8. ObVJ.C1UI~:r'l by, ',I', '
thAi;, time, ; the May paym.nt was due andfhe' lettsr r.burn!n~;tn'
:- - - -" , - - ., - - ;," - --"'}': - -- '_r! ---(/:---~'::-_-,-,~_
_del olleok,. Illxhibi t "olt hereto shows that the May PAYt\llnll:'9 n
-" - ;-, '--'.. 'i~' -----:-"----:-~\~:;--',.!:-:;-,-':;;';l~~;~-
". - - - __h - _ _'. '_ _ _ _..-__.'-'.:': --:t~:_-,-_-c_;_:'_:---;-;'_€-_,,__'___:>""~"
'. .7111. 8Bhad beoome due, and also ren',c;lt, the X-".rrU tb"~OUl'I.iI.,'
';." - - - h - ,., ,_ ,- - '>'. _::~-_'->---;,:;_\-,l-:-;,,_>
with leg.al te.. and OOlts in th~am9unt of u" 040, BO, Wb4:'<5'
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"~J'\O~"4.. '330,. ~Oi,nthl.,
UOa. OO~h "hoto., 1'....
aPPI1QV,d t,:1t:t tot' 00\.\1'1'81 ,. I
~h'oompla~nt.
Ail ,tl1. til.,'"htd p..n tlt8t't'ed 1:.000UI1.ll, Dltendant" follY,
" , , ,
3;:~~~p'Yll\.nt "'a' U'o t'e1:.Ut'nod. WhU.Det'lnd'l1t'haVlma~. .t~ot't:.
" ,
'1' tOQ\.\r. .th'~t' mQt't'la'll delinq\.lanoi.., thlY haVa tailed to to.tlQII' ,
tll. d~rIQtiQn. in P~ail1t;if1'il"le~t:et' Ot'Apl:''u 20,1 :J.Il1l$, tOIIOUt'1
,.
the e~aot amount duepriQt' 1:0 tenderinq fl.\nd., . whiohf\\I'Idl, wat'e
'~.in9 1tilndet'ed atta):' fout' to f,i.ye. months 01' c;\ehultinq \'\Poh thai):' ,
;;.' i\':. --"" : _ _',_. "
,!l\onth.\Y,mor~qllliJe Obl~qa1::l.on,
. 4 . Plaintiff is llttaQhinq hau1:.o and mal<~ng a p/ilrt 'Iltlrlllo1' 1\1
IDl(Ml;li~,"DlIl.'a tl:'itllll1cloorreot 09PY Of th. <\tfidavit of Rotl"mary
h t,19narttiCl, wli~dh, ~ndioa~e. "tter ,r.vi~W of th'.n1::l.t'. p.Ym~l1t
hi,.tQt'Y ~h~ohi. att;aohed,. 'alle has oo~Urm'd. that 'the, am.9ul'ltl
.all,_9_d a~'dU. at pat'aq/;'aph Ollar/ll oo~r.otll. 01' th,~ tiHhgd.t.,,~~
thlOompldnt\
$,. "AI thet'..):'e no mat.rial ilau... q~ cli.p\.\tiaa faot, $4",m~1-:Y,
,
"'Iport tae.,.,
and $860.00,
r.v~.w 01' the
$48. OO~n UU,nq hi',.
r.pr.llnt~n\l ,the PNHA
till" and p,reparat:iQl;! 01'
,
J"cl~.nt :ip propel:', "
WK..arORa, Plaintiff t'espeotfUlly' l:'~qU.st~that
'9):'ant it. Motion for summary JUdqment aqainlt
j, . -- '" ,
,Pldntitt to tor80108e .on th. mortgage
New'oumberland; PennsY1Van:La17070, and
,;-
,
I,
p~Y' Lender all .um;. wMoh th.n wOl.l1d 1:1. dl.l',
I.lnd.r ~hi'S'ol.lrity Instrum.nt and Not. had no '
aCloll.ration oOCll.lrredr ,(pI Ol.ll:'" any default
pt any oth.r oov.nante or I\qreem.nt., (Cll Pay'
a1,l .xp.nll" in91.lrr'd in enfol:'Clinq tlli,' Seol.lr"
ity ~nllltr\.lment, inClll.ldinq, but not limited to,
r"a.onable' attorney '.1'..., , ,'" '
'I'
"
A. Clan b. ..,.n from the foreqoinq,' by unon 01' Dehndantlll ,
'tailureto t'nd.rthe Jan\.lary I February, Maroh and April payment.
' - '- , ; , - - ,~ -
" ';'-:, ,- ,
until May 1, 1998, the ,date that Defendant.' Clh'eokwasreceiyed,.
,~, "- :: -, ' ~ ' , , - ,
~.\II. wa., :I.n'l.Iffiaientto t'e,inl!ltate the ,acoount 'IS the May payment
;; -, -. ,- , -'
had b.en inourred, .. well as ao';ml!f,el fel!lS in oonn~ptioh with .~he
" 'j.
'J:'et.rral of this matter to fOl:'ec;q.osul:'8 by l;'...on of Defendant.;
, ,,' '" "
,.
fCilUrlllonth "default, Thel:'8after, [?etendantlll attempt.d to tandeti'the
; I , . , ~ , ; _ , ' _
'MI\>' Payment,. but aq~in fdlea to inCll\.lde the OO\11,\.e:l:, 1'''11I and
" II
QOlllt., which oheck w.. then returned as bainq" inluffiohnt to
I
r'1n.tate under and p\.Ir.Uant ,to their 1II0rtqaq~, To dat.,. nef'n-
d
' dant& have;failea to tender the full amountreq\.lir.ct to rdnatate
j; ,- -- ,- - - '- - - ',-,
~ , ' - - -- -, - -- - - ;, -: - '- - , . '~- - - - " ,- "-'
tlheir 1II0rtqaq. loan ana a9Clordinqly the sums .et fOrt,h'at l?a~,a9l:'aph'
'" ,- "0 !'
II ,of the COlllp1a~nt rSl\ldn Clusandowinq .. Of the tiiinljJ~ate 'Of,
.-j' !'
,
'the complaint,
. ,- - - ,-! - \"
, A Motion for Summary J\.Iaqment may properJ.y be:qranted, "xt the "
:'Pl~aai~'iJ" ~epos:Ltionlil, answ!ar. to in\:~rroqator:Le.. and a~ni~.'~on.
oh fUe,. toqether with :\:he 1\ffi'd~Vi:\:l, if ~'ny, show' that th.~'. ,b',';
----- ----- -, - - - ;, - _ ,: ~-,~_ ,. ~-, -j. _,,:~'- :",J!__-__-\_;_--:-_~,'___-
'l\'l q.nuine . iII.us as to any material faot' ,and that tlh. movin~, S?~rtf,,,"
11 en~~h"d to ~ jUdqment as a matter Qf laW,npa. R,Cl,P, ,103",(b~,:i ':",."
" - - - -- -' -- - - - -: -- -, - -, '- - -: : - ,- _ ,-,- '- ~--- _ _-- --- - --'f-' _ _-;___i"l-:'!;;,'-;" > :::
'last RBill EliItah 'I,Inding Corp, y. ~mi1;.b, 366 Pa; SUpet.UI5"D',o ";
A,3d 919 (1987),
S.e also WlJ,"~n9tq"f..d.~,~
,_ ,- ,:'----,:- -0----"0;,-__ __,
f; -' - _ - - _ _ 'c-___ 'l;- -'~'_--(--, ,;:\;F~~
s:~_v_~n~,~'(! '-o~ :;-,~~---~~~~~j;~
- --- - ------
,
".
, "
,1, Phint!ft' is Oenlar Fecleral $avinqlllS.nk. wito' i;"
il?".~hR:l.P.~ ClttiQ., ~t 4215~hil~ip. Bol.ileval1d. IJ.'rentCln,. N(I' 08610',
;a" Defendant., are Miohael a.' Bennett .~nd Lynn Marie Bcmnett.
.with an, acidrElse as set forth above.'
3, pn, June 3,. 19!16 Miol'ii\.,l G. a...nnett arlci LYnn Mar:l.sl3"nn\ilt,t
.~'~Rl.\t.d ~nd c;\eUvered a Mor,tg'aqe upon premi"es herein~tlt:er
"
~..~d):)ed' to foster .Mort9Ml. corpo1.'at;ion, WMQh' mortg'aqewael
'~"ClQrd.d in the D,partment of Recorcl at Oumberland Oounty,
;E\'nn':f,~vahia' in Mdrtgaqe ~ook B:1.e,at paqe13 on ,June 10, lSlU.
4, lJ.'~e said mort;qaqe was la.1: assiqned to Cenlar Federal
". ;<
Savinq, J3ank,nic1 Alidqnment beinq S\.Ibsli\<;Iuentlyrecorded.
5. 'rhe pr~m1selllSUbjeottonidMor\:qa9'e are ~hown alll" 807
J\l:l.e~ St" New CUmberhnd, PA 17070anl:l \are more pal:'~i9l.\larl~
ctlil"'Q);'il:>edih E~l'iibit "All attaohed 1'Iereto and inClorpore.ted hsrein,byo'
i." .'....'"..,.".... ...."
Ii
r/;l,:t!st;'el'\Qe i
6 ,'rne De,:eenClants are Miohael G. aennettarid Lynn M$l:'i,
1.;
toer.Cl9rc1~ncl ',real'ClWnel;'$ of the sddreU,e/31:at;e I!ll.\pjElO1:
. ' ,
1:1'1,'" Mor1:qaqe.
.
~.',IJ.'o/ill!laid MOrti,Jaqe is in d,efaUlt by reaSlon ,of the hot tOllt
ihsM:I.;l.m~htsof pt':/.noipu, il'lt:erut anii E1~Clrowas'clu.i "
"
3., 1$198, and alii Clue ,on the' first' clay Qfell.ol'lcmont\1
"
'0 ..
are _tUlc;lue ancloWinqA,nd have, nq:tbeen paicll' anCl,,~y'
-"" "
of ,t1l8 sdd MOt;'1:qaqe,.upon fai;l.ure to, .make suoh p~~IlI..nt.
,; ,. 1-.
I1U.. t,,,.whOleol~h. pt'il"\!:lipa~,b~lanoe ahd ,all 'il'\~st..t clUe
;'t:oqether' with lateohal;'qesandother t'eooVElrable s~mlil am:!
are nowl1ue an~ payab1e fort.hw i th.
\1
, 3
,I
H
i,
'f
.,
"
". '
"
e, Tn.. monthl.Y in..taUm.ne payment Clomposecl of prinoipa1,.
"
,int.):"lIt ah<1elc;lrow <1l.\e ",ricler, ehe termeol!uid Moreqaqe'anc\
Hort;a;e ~ot. for, eaClh IUClh month was SEVEN,HUNDREO' FJ:FTlllIllN DQ~WS
AND,,~e OEN'l'S($715.98) I cons.i.!ltinq' of FIVE, lfUNOREO' TH:r:RTY SIX"
DOr.,~S ~D 21 ,CENTS ($1536.21) for principal and interest, and ,9~E'
'.1' ,
HtI~DRIllDSIllVEN'l'Y'NINE DOLLARS AND 770ElN'l'S ($179.77) for ~eorcw, I 1'1
~ddit;l,o~, the;,,,' are eSQrow deficits dUel. The montl}:Ly payment
ohanq~don AprH 1, 1998 j:o SEVEN HUNORED THREE DOLLAAS AND 88
QJIlNT$' ($703. 8~).
Slt' The folloW!nq amQunts are therefor,e ctue and owinq, on said
"
HOl:tqll.q81
(a) PrinoipalOebt
, "
())) Late Charqes at
from 11 1/98 to
, ,,' L~t. Oharq.s
f~om 41 2/~8 to
per month
per month
$ 153,.424.71
$ 64.315'
$ 42.90
$ h300.015
$ 2,.279,40 "
$21.415
, '
at $21.415
15/ 7/98
1'0
'(<<;1) Intlilre.t from 12/1/97 throuqh ISI
7/SlS at $~4.~5 per diam
(ct) TO,tal Esorow DefiQ!t' to date
(e) Reasonable M:torney I s f,e$S as in
,tpe abovestatael amount refleot t.IUrd
, party sale only. If the Mortqaqor
reinstates the' aocount, attorney I s
fe~. 'will' be reasonable baaed upon
worl( pe):'formec:l.
(11) ~itle'R$port
(q)' CoUrt Filiriq Oh~rqe
,
(h) UnoolleotacLLate charqe (a)'
(i)lllsorow credit
TOTAL AMOUNT DUE
',J,
"
,\
$ 2;6'11.24
$
$
$
$
J 61,.~23.115~'
3,215,00 '
"
'I. .. .. ."
1111.,150
"
, ;j
.
".-"
, ,"
';,
4
"
,
I .' ~
"
,
>,
rnadcl~tliQn,. inte~est at the rate of $14.68
" .' I- .
pdno1pal ' balance . will, oontinue to aoor1.\e
i
-, " t','olve<1., Any pa:f11\ents whioh ax:e allowab:l.e, undillti the mort9aqe
" d~oument and a1;e n.oe~sQl:'yto proteot plaintiff. rehtinq to raal ,
'," ..tate tax,.. owed,. or whioh b.oome due on the mortqaqed ,property
. together with. fire or homeownera insuranospremiul1\1 nGae""Aty to.
, Pl:'ot,otthe plainti,ff,. ~r any rGuonable oo.ta neoelilSary to P,rot$O~
'1;1\. pro'j;i$rt'y from waste- or 'l/apdalililm ",hall also beoome due and
, "
Q"':l.nq I;ly Oafillndant.to p:laintiff. when expended by Plaintiff. ,
10, Pur.sUant t9 ,the provlsione- of Aot. No. 6 of the
'" , '
Penneylvania General Assembly dated January 30, 1974, alii amend~d.
; ,'" - . ,: .. ,. ' . " "
~ Notio. of Intention to FClreoloseMortqaqe Waf:! mailed by.cert.ified .
, " ' " ",.
MdJ,,',ReturnReoeiptl\lIqUellted totheOehnd'ants at the dotenid
"
~Q~tlJaq.d premises. . TrUe and oorrect' oopielil of said' Notioe. are
",,'" , '
atta,ohed ~.reto and macle a part hereof as Exhibit "B" and" lam. are
, , ,-
'ihQorporated by referenoe h~rein as th~U~h here 1!\.IllY'.et fort~ at
I ' , '" .,
lel\qth.
Plilt day on the unpai<1
.' ..
until the detault: iI
11. PUrsUant to the provisiOnS of Aot91 of the ~enn.ylVania
;,' " . -- ,-"
deneral 1\1IS,eml:lly dated Oeceml:ler 13, 1983, ",'1'h" Eme~q.nClYM9ptq'''9' :,'
'- " ,- '". . '('-.' 'Cj.
~el ht Act,." not'iC8&l 'in aocordanoe ,1" i th the HomeoWne1;' IBm.rq~"cy',,:
A'.~~"tal'io.'Aot c~ 1983 wet:emailedbyrequ~al:.llllt c:l.Us mdlito'~~.
'. , . .' - I ' _ I . - , ,~
Oe,peridant6!liIt the afo~esddmort9li1qeci pt:'~mis.El.
. WH:e:~Ill1l'o,RIll, l?1aint:Lff ~l:'liIysju<\qment a.~ainElu D.hn<\~n.U.
, "
.. ,. .
'sum o't! .,$U,aa3.~!l pluliIintllre.t and ht.eol\liI~9.'.,~ till.
-
1~
"
15
",.
\,
, J.;
,
"C,','CENLA:R'1
, 'CE~TAAl,lO~S ~O"I~ISTi\~no~ !.RE~Rn~C
(800) 242.71711 ", '
(609) 538.oo811 (In New JUl'Soy)
~ , ,
1'..;. 2,
~oan NO. a770e9~1
, , m"~' I'IhhLrI' T~%I\'l'Y (30)DAU, Will Ar.SO IN'1'IlND TO XNSTRUoT 0U1\ ATTOIUIIllYII TO
ITAA'l")\ tIl\WIUXT TOrORIllOx.OSI yOUR MOlt,\,OAOllll PROI'IllRTY, U' TH' HORTOAOIl XI
~ORllOLOIIO, YOUI\ HOl\TOAO,Il0 PI\OPIll\TY WILL BIl 10LD BY THill sHIllRxrr '1'9 PAYOrr
THlll KORTOAGIl llIST. ~~ WI, litter' YOIl~ ou. to Oll~ attc:ll:',n,y" bllbYOII 011111 bile
clltllI+1I b,fou IIh.y IlI;Ln 1I1/e.1 Plloo'lcI~n'il~ ';aLnlll YOII, 1'011 ,will, ItHl
hav" \;0 "..y 1I0.'i:..lqnllbl1 ,Atbdr:nIY" t... 'aobllaUy lnolll:lltel,. lip b0$80.00.
, HOW'VIII, U ,,11911, p~ool.ciLn;. alii ltA~b'i;I a\laLnlt YOIl, YO\l wJ.11, havI to pay
i:...onab~. ..tto~n'Y'1 t,... eviln it thlY .xo..el $80,00, Any atto~n'I'!1 t...
,wLll bl aeleltcl tQ wha~IlVtl:' YOIl ow, Ill, whJ,oh alao Lnol\lcl. 01111 n,..lonab1,t ,
tlnl"
xr YOU OUIUIl 'I'HI DUMr.'I' WITHIN THill THIRTY (30) D1W "IRIOD I YOU ,WIt,%' NO'1' BIl
IUlQUXIUID TO P,A~ A'I'TORNIlY ..mils,
w,'may al.o Ill. 'YOII p'~lonallytoll ,thl IInpatel ,pz:1nolpal.balanol anel aU
,oto'a:, .lIml clll. IIncllZ: tn. mo~t\la;', '
~'YOII ha"l nqt 'o\l""cI the D.tAIIl.t wLthLn ,tin. THIRTY (30) Dj'.Y PII\IOD P.ND
rQlUlcit.9sulUIl I'ROOIlIlDINGS IlAVIl BIllGUN, YOU MAY, sTILL HIIV1Il THill I\IGHT TO OUM
'THI ,l;lllrAULT ANti PRIlVlN~ Tlill St-LIl AT ANY ,TIMlIl UP '1'0 OHIll (1')' HQU1\ BlllrOlUl '1'HI
IHIli\Xrr's r91U1l0LOIURm SAL'. YOU MAY DO SO ~Y PAYING THill TOTAL AMOUNT ,or
1,'1',', IIi UHPAXll,' ,HONTHL, ,Y, ,P1WHIll, N'1'S PWS ANY t-TTOlUlIIY' I rIllS, AND COI~!l dOllHlOTIID
,Ifl'llH T~' rOI\llOLOIURIl IALIll (ANQ, I'llll\rOIlM ANY OTHIR lUIl\lUIlUIMIlNTS UNDIlR '1'HII
K9I\\I'OAOII). XtLl ..tLmab.eI, \lha~. the tad!,..t elab. that 1\ll'/h a IhIl:U~',
1111,_ QClll1cl III hll.cI wOllld be appr:olCLmatlly eLM monthl fllom now. A NoUe. '
~t 'lih. clabl ot thll IhltrUt Balit wUl be".ltnt to YO\l bltoll' thl .al.., ~t
QQIIII.. the ~ollnt n'ldl~ bo OU~I the clltalllt wLl.l. Lno~la'l ~h. 1en;'~'~01l
W..i,l;', ~el\, m..y 'tinel Ollt at any tLme "XAotl.:,- what thl ~1~LI:.!1 paYl\lltii:. wl.l.1
b. by aalUII; 1-eob-242-717e, ThJ.I pAym.nt:i1\ult bl in OIllR'lIxrUDP~RSONAL
'OHIIO~I, OAIIIXIIII\',I OHIlCK 01\ MONEY ORDIlII an~ madl payabll bo III at! thl
aelcll:"" on'th. tz:onll ot bhJ.. not La. " ',' " '.
,~ . .. . . - . . - . 0 . I ' '
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"lIClII Iholli'cI l:..l1l1\1h.t a' Shl~l't '. sdl :wLUlncl YOIll: ownluhLp at th.
M~Z:b;.~'d pi:'oplrty ,and YOIlI: z:l;ht to Z:lmaJ.n Ln It. It YOII contLl'IllI bo l.l.V.
'.'Ln thlPl:op.rby &ttle", thl shl~lU" Sall" a lawluLt coulcl bl .l:.a~blcl to' ','
"'VL~\1 Y~\I. '
YClII' hav" al\c1i,tLollaJ. IIL;hbl to ,hllp protlot your Lnlletl.tl in the pl:Clpll:ti,
l(QU AAVi '1'1I11l I\XOHT To 8IIlLL '1'HI PROPIlIl.'tY TO OBTAIN MON~Y 'to PAtOn T~
,J~OI\?:OAO' OllaTI OR BOMOW l'IONIIlY rllOM A1fO'\'HIllR c.lNDXNO tNS'l'XTUTXON ,'%'0 ~AY
,orrTIIX8."DIIIBT. YOU MAY !lAW 'I'NI I\XOHT'TO amt.L Oil TlWierllll\ TII1l iUBJ1IICT
'to Till, 'tIIlMSOr THill MOII'llOAOII, TO A BUYIilI\ OR A Tl\AHUIIlPJlII WIIo, WIt.r. 'UI\lMI
'till HOI\'tOACIIll DIIB'\', PltqVIllIIID. TIIA'\' ALL 'rHI OUTITANDXNo,mHl~Tll, OHAllOIllI,
MIll' AIJITOIUI.lI'l 1'Il.1 A!\I l'AID PRIOP. TO Oil AT THIIi lALli, CONTAOT US TO
OITlllUlxNa UNOII\ ~'1' OIRCUMST~OIlIl, THXI RtOHT'KAY IXIIT, 'YOU'>>AVI'r1ll
RXOH'r 'to HAVI TIIXI OIllFAU%'TOUI\III~ BY ANY THIRD Pl\I\TY MTtNO XN YOU1\
alHAtor. YOU HAI(I 'I'HI RIGHT '1'0 t-SSIIlT IN /\NY, rOlUiOLOIUI\II PI\OClIIIDXNG 01\
ANY OTHIIII LAWIUn tNSTXTUTIID UNOII\ THI MORTOAGB DOClUMIlHTS I Tim NON-
.XUTIHOI or l\ DEFAULT 011 ANY OTNIlR DIllrlN8IIi YOU KAY MAYa TO ANY AC'l'tOH.
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C'.'CEN'LARr
, ' ... ' CESTMLLOA,~ ,~DMIt<.ISTMrIO'\ ~RtroRT!'G
. (800) 242.717tl "
(60~)"S38.00lJt{ (In Now Juraoy)
\ '.i' 2
" Loan No, 277_069~1
mid. wJ.bhJ.n '1'1li:RTV ('~O I PIlYS, ,WID IILSO XN'UNll TO XnSTRUOT .OIlI\,ATTORNIlYSTO
'UM'll 11, LAt/SUX'll TO rOlllllQLOSll YOUI\ !lORTGAOIDll PRClPIIlRTY, U' THill MQRTClAQIll X,S
~ORlQLo"DI YQUR~ORTOAGIDD PI\QplDRTY WXLL BID SOLll BY THID SHlIll\xrr TO PAY orr
,,'rl/ll MQI\TOAOID' PIlBT, U 1'111 I:del1 'yO"I:..,.... to OUI1 '&tl;ol1oeYI, but: you Olll:e I;h.
'. dUluh blllollll, 'thllY bllgLn leg..l proondLnq. 1\;aJ.II.t; 'you, you wJ.ll..tlLU
hiVe, tlo PlY the l1iuonllbll attol1nly'il te.. I\ot\'\al.ly Lnoulll:lld, \'\p 1;0 'SO.oo,
Hl;lwIIV4Il1, ,U 111;1,1 pl:oo..dLnl1l1l1,1;'1 .tlll1ted ~'ildn,1; 1/0\,\, yo\,\ wLU h..ve to ,pay,
':, lIIuQnll)l.eltl;ot'neY'1 hi' e~en if bhlly"eKa..d '80,00. Any a\ltol:ney" te." .
'wUl. bll Added to what.vel: you owe "I, whJ.oh 111110 lnol.\'\d8 0"1: ,......oMbh '
t..., '
" XrYOl! OURIIl THill lllllrAULT WI'I'HXN'THIil 'I'HXR'l'Y (30) DAY pIllRXOD, ,YOU WXLL NQ'l' Bill
~QUXl\lDD '1'0 PAY ATTORN lIlY FIIIIIlS. , , '" ..
l',
';", ,- ,'E,
1'111 'm..y ..111.1 1\,\8 y,ou p.;lIonally, tor'the '\,\npaJ.d pdlloLPal.bahnoe and ...11
Ollhlll!!iUmll \lue \,\ndel1 the mOl:tg..ge, '
'UYClIlh..V8 noil c\,\nd t:h. Deta\,\l.1; willhi'n the 'l'HXRTY (301 DIIY PII/RXODAND
rQIUlO;QSUIUJPROOIllIIIDINGS HAVII BlilGUN,YOU HAY STXLL IIAV1I THIIlI\XGH'1' TO. ol/RIll
"THlIl plI/rAU1oT'1IkIP PRIIlVIINTTHli SALIIl AT ANY TXHIIl I,IPTOONJIl (1) !lOUR BiroRlll Tl/Il
SHIIII\Xrr' 8 rOIUJOLOSURIllSAt,I. YOU M,W PO 80 \\Y PAYING 'l'IUIl"TClTAr.. AMOUNT 011'
I TIUIlUN~A:tD MONTHLY PA\:/oIll1.N'I'S PLUS ANY ATTOIWIIlY IS I'liIllS~P C;OSTS OONN.O'l1ib
W.I'llll"T....rOIUJOLO.URIll ,SAr..I , (ANPPIIlllFOlUi Al'KOTHIDR, RIllQtlXRIllMlllNTS UNDIIlR '1'HI
KOR'11\J,~QIIlI' xti,.lIl,e'\llmAt,clthat the ...t'lLII8I; l.\Allet:hat .uah a Shlt'Ut'.1I "
Bal.ecould be heldwoul,d be, Ilppl1odm..j:ely IILK mont:l\. tl:om 'now, ,A Nolllj:j8
01 J:hlc!at;e ot' tlhe Sl\el:'lU 'Sale ,wUl b. ..nt toyo\,\ beton tl1e Sale; ,ot
Lool,l.ne 'llhe An\~un1i needed to O\,\t'I tl\ilc\.tl\1I11; wUl 1.nct'e"'8. tno l.on<l,.t' yoU, '
wa~tl. lIouml\Y Und out at any t:Lme ex..ctly wh..t: I;he t'eq\llud p..ymentlwLU,
be,):I)" oal.UIl; 1~800~~42-?1?e. Tl\b payment mUllt: be lnOIllIlTXrUIPPIIlRSONAr..
,"ol/llQ,\<,CASHIIIlII'S oHllok, OR MONlllll ,ORQIII And mAde paYlbleto 118 At: ~l\. '
ad<lue.' on tl\1 tl:9,nl; of, tllLII n9\lLall, ' ,. ..,
y'ou .l\olll.d li'1,lh.l;h..1; a Shtl:Lffll sale wUlenl.\ you't-'ow'narSl\ip ott:l\e
KOl't:;AQed PI:C/Plt'ty And, YO"I: d;ht to, l1emaLo Ln lit, If you ilol;lt:lnU.et;cl lJ.V..
,}n t:h, !?t'Optllty Aftll' t,he"Sl\u!.#f'l SaJ.e, a law.\,\lt oo\,\l.d be IItlUl;Id Jl~"
....Let: you. '
l'
'Yo~'hl...e addLt;!.onall'll1htill to helP,pl:'ote~,t YOUl:' il\tonllU in l!l\"P~cpt7\lYj
1I0v'1IAV1l 'THIi RXQHT TO SlIlt.lo THill PROnR'l'1rITo"OBTAl:N' KONIY TCl',llAY .0'" TIla
KOI\'1'ClAQIlPlCBT, Oil BOMOW MaNU ,rRoM ANO'l'HlllR.I.IIlNllXNO, IHs?l~TU'l',XON'to JI~Y
OrrTHIS PIIlBT. YOUAAY Il1IVII '1'HB RtGHT 'to BIDt,loOR TAAlislI'lil\' TH1l811Bi(IICl'l'
TO.'l'HIl 'rlllllMS 61' THill MQRTGIIGI, To 11 BUYlllR ORA TIWIS"&lIUlIllWHOIfXLL.~t1sUMlll
'1'111 MOI\TOAOI DlllBT, I'ROYXOIP THAT At.I. TH~ OUT8TANPtNCl'PAYMlIINTS,P~O's, ,
AND' A~ClRNIIlY' S rIBS ARlll PAID PRXOll TO Oil 1I'l1 THill SIILI, 0011'1'110'1' ,us 'l10
PIDTllllUiXNIll UNDIIIR WHAT OXROUMS'l'ANdIllS''l'HIS RXGHT MAY IX%ST.' YOU'MAV. THill
RXOHT TO HAW THU DlllFAUI.T OUlUIlD sY ANY THXII.D PA.\\TYMTINCl" IN YOUII
BIIl!l1.Lr, YOU MAVIIl THill RIGHT '1'0 ABBIRT XN ANY rOI\BOI.OSUI\B PROOIIIPINO 01\
ANY OTHlllR LAWSUIT INSTXTU'rIIlD UNDIIlR THill MOR?:'QAGIl DOOUMIIlNTS/ THIll NON~
-,"'",-;0..-........- .... .. ..........It."" "",., .."V "'",Ut:ln hl:l'C''9'_\1rC; ,vnH UJ\_Y_ U'fI.1nr ""n ,.~~<''!., ,~_~,:r,"\N
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flAGS 20EFliNPANT ANSWER, OIVIl. 98-2884 .
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'7,' DISAGREI: - we HADeaEN WORKING WITH A MR.. MORALES AT
"OEN~R TO BRING OUR L.OAN OURRENT, WE HAD FALl.EN BEHIND ON'
'" O,UR JANUARY 19a AND FeBRUARY 'S8 MORTGAGE PAYMENTS, WE 'HAD
NOTIFIED OeN\.AR THROUGH MR. MORALES THAT we WOULDSliNC IN
, ,
MAROH 19a' PAYMENT AND CATOH UP WITH JANUARY & Fl!BRUARY AND "
, ' ~ , . - , - , - - ,,! ' - '-,. "
APRIL 'ge BY THE END OF APRIL WHEN I HAD ADDITIONAl. INOOME
.OOMINGIN, WE SENT IN OUR MARCH 'ge, PAYMENT BASED ON THIS
,- ;' - - '" - ,- '.,' - - - -,
UNDERSTANDING. OUR MAROH PAYMENT WAS RETURNED to US.. (SEE
. ' 'ATTAOHED flHOTOCOPY OF MAROH PAYMENT OHEOK & 'CEN~R .
, LeTTER.) (OOPY is-7-1). we' THEN RECEIVED A NOTIOE (ATTAOHI!P'OOPY
AS a-7-2) OF AN AMOUNT DUE ro BRING,THB LOAN CURRENt FROM
-,'. p
OONROE, HING&.ASSOO. THIS NOTIOE WAS DATED APRIl. 20, 199a AND
STAr~D AN AMOUNT DUE ($2,937'.59) TO BRING THE LOAN OURRENT.'.
. "AP~!L ~o, ,~9~8 WAS A MONbAY, rHIS PARTICULAR LETTER WAS No'r
R.EOEIVEO, BY ,US UNTIl.. WELL ,AFTER APRIL 20i 1998. WE MAOE
ARRANGEMENTS TO SEOURE A OERTIFIED OHEOK(OOPY S-74)JN THa
' "- , ',-- .- - - ,- ,.. I'
'AMOUNT OF $21937.eO,(WHIQH OOvERSb JAN'98. FEB'98,'MAR'9S" APFt'S8
; - - : ,- < - - '" - \, : -: - - - - ~,- ,; - - ~ -,: , '
PAYMENTS A~D :l.ATE. CHARGES), PATEO APRIL. 28, 1998 ANI;) 'S!NDBY.
OERTIFII:DiJ.S. PoSTAL SERVIOE ~AIL~ THIE 'u.S....POSTAl. SERVIOE'
GREEN RETURN ,REOEIPTOF DELIVERY OARD (OOPY a-704) STATEt'l
THAT:iHE 'OHEOK'WAS REOEIVEO BY CENLAR ON ,MAY 1. 1995', '",rf US
, '~" ~ ,-
OHIiOK WAS RETURNED WITH A L.ETTlaR(OOPV a.701) P~TEO M,AY ., BY
, -. - I'.
OENLAR.
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PAoli 4 CI!FENCANT ANSWER olvi~ 9S-2884
, ,!
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e,DISAGREa. IF Pl),INTIFPHAD AOOEPTeO PAYMENTS ASSENT BY ue
. FOR MAROH '98: OERTIFIED OHEOKTO BRING ~OAN OURRENT, AS
." INSTRUC.TED BY PLAINTIFF'S ATTORNEY L.ETTraRI AND PAYMENT" FOR 0,:
" " ,
'0 MAY '98, THEN THIS AOTION WOULD NOT BE NEOESSARY. DEPENDANT 0
,./-' ,. . ~ ,. ".' , . ,". . , ,,' I'
. .. OFFERS TO p~ovloe OERTIFIED OHEOK TO ~LAINTIFF FOR THE AMOUNT '.
'QF $3862.8~WHIOH INOl.UCSSJANUARY, FEBRUARY, MAROH(PAYMENT
AND LATe,OHARGEpF 737,43 PER ~ONTHAN,O APRI~ AND MAY(PAYMENT:
ANo '-Ate CHARG~'OF 7215.30 PER' MONTH. . WE ASK ,FOR OUR
'MORTOAGE TO aE REINSTATED ANp FOREOLoaUREAOTION, TO Be .
TERMINATED. AL.SOI We HAVE THIS DAY MAIL.EO OUR JUNE PAYMENT VIA 0 ,
, ,.,
" , , u, e, MAIL AND HOPE AND EXPEOT THAT THIS WILL BE AOCEPTaO BY
,., '.j"
PLAINTIFF.
10. wa DID NOT HAVE THE OPPORTUNITY TO REVIEW'THEbOOUMENT
" ' h d '
. DESQRIBEDIN THIS seOTION. , ,
11; WE' Pit)' NOT HAve THE ,OPPORTUNITY TO REVIEW THE DOCUM~I'JT
, oesoRIBEO IN THIS S~OTION,' "
. wa IiEO THE MEROY OF THEOOURlANO THE PLAINTIFF,' SINOE 1 ge9 WE
" . Ii" . ..... ,,' \j.' , . . :.~.' ,~, '.., ~ __ "', __ ," '.' ;') " ;; ~.., .
. . HAve TRI~O UNSUCCE,SSFULL.Y"to HAVE FlLAIN\,IPP, REM~va,PMI '"
,. ,INSUAANCIi FROM OUR PAYMENT AMOUNT, ROO'SHENK (A-3) ,M~PI!I'I",;. ';:,
OLEAR IN AI-I. OF. OUR MORTGACilI! APPl.lOA TION OONFI!~.NQI!$ ,THAT'. ii. . ',:
PMI' WOUL.D AUT9MATIOAL.L.Y O~OP OFF AF'T'EiR TWQ YIMRS .QF,c', "" ,:
PAYMENTS,. ' .,. " .
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pAGe ~ DEFENOANT ANSWER OIVIL 98.2848
WE HAVE TRIEO'UNSUOCESSFUl.l.YTORSoFINANcE AND OR JUST 'HAVEH
. \ ~ "
'OUR INTEREST MTe WHICH IS AT NEARLy 10% LOWERED THROUGH
,
THe PI.;AIN'I'IFF. IN 1991 f I LOST MY JOB 'OF 15,YEARS. WITH HEOHINGER
' ,
, OOMPANY ANO eXPERIENOEDA TWO-THReEVEAR PERIOO OF
UNEMPLOYMENT. WE NOTIFIEO PI..AINTIFF OF THIS AT ONOE, WITH NO " "
RELIEF GRANTED, I HAve NEVER FULLY REooveRED THE' INOOME .,
' I ", .
LEVEL WHICH I HAD WITH HElCHINGI3R, OUR YOUN~EST SON
,. ..' 0'., '.
OHRISTOPHER WAS eORN PRe.MATUREl.Y !N OCTOBER OF 1990 AND'
, . '. , , ~ 1
"SPENT THE FIRST 47 OAYS OF HIS LIFe IN NEO-NATAl.INTI;NSlve OARE. " H ,
1 . ". '. " . ' .'., . . " ~ , '
' " HIS EXTREMELY HIGH MeDIOAL' BILLS PREOIPITATED MY,OEPARTURE
" ",. "
PROM HEOHINGER LESS THAN A YEAR FROM THE TIME HE OAMr;' HOME'
TO ys. 'THE FINAN~IAl. HARDSHIP WHICH BEGAN AT THAT TIMe H~S NOT , '
',SUBSIDED. WE HAVE HAD FREQUENT AND REGULAR OOMMUNIOATION ,
"'WITH THE PL.AINTIPF ON THIS SUBJE'Or ANo'TO DATE HAVE NOT 'BEEN d
" A~LE TO OBTAIN RELIEF FROM ,OUR ~IGH iNTERl:ST ,RATE,' we DID NOT "'
"" , "i
~. . ,SUE THE PLAINTIFF FOR' BREACH 'OF OONTRACT WHEN PLAINTIFF
" ,~ c. ~, " . ' . . . < '" , : ' , ' .
FAILED to PAY OUR HOMEOWNERIS INsURANOE IN 1992. WE DID NOT,
, I' SUE PLAINTIFF WHEN THERe WERE :lRREGULARITIESIN OUR esoR,OW
AOOOUNT SEVERAL TIMES OVER THEl LIFE OF THe LOAN. rivE 010 FILE
':. ". II). ""'. . .' . " , ".,
,..:..."j. . ,. ". . ,... ....' . , . .,. ,.,
OOMPLAINTS WITH THe PA STATE ATTORNEYGENEAAL, PA BANKING
"CEPT AND, 1'He ,PEOEM!.. OFFIOE OF THRIFT SUPERVISION WITHOUT
' . -- ., . , . ' . . ", , " , ' . ~ ~ ~. ~ Ii
' RaLISP. (O'OPY'SA~1, A-a. A-2A). ' .'
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Ct(..( t...
f1S~~~B'-f
LAW OFfiCES
OOHROE, HXNG . ASSOOIATES
SUIlI 1400
, 1700 HARker IIRm
PHILADBLPHIA, PBNNSYLVANIA '~'03'3~'4
.. .
caUl UO'0400
FAM NUMBBR (m! 86NUO
{!;.-7-2,
DAVID B. COMRClI
oLeNN f. ,HINO
RotlRT ~. WILSON *
...
SUBURBAN o'floa
P.O. BOUal .
BRYN MAWR, PA,,19010
OF COUN8IL
RBBBCOA H. LANDI I ~
* ALia HBHalR N. ~. BAR
Ap#l 20, lUB
1I'.l\:tR DII'I:' OOXlLIC'l'XON P1U\.OTXCIIlS AOT NO'l:'~OE Oll'PlIlBT
Lynn Madel SenM\1,t
a07 AllenS\:rliUlt:
New Cumber~an<!, I?A17070
I'
I?RIIlMXSRS, 807 A~~eh, stre.t,
NeW Cum\;lerlau.<!, PA :1,7070
NAMIll OF CRIll,OX'l'OR OWIllO'D~S'l' I gljl1m.~ II'!llDI!lIlA;' ~~Y'~N(]liJ B~
'rHIS IS' ANA'l''J'ElMPT TO COLXiSlOT A omST MP Amr INFORMATION OSTAINII)D IN R,IDS'ONSIll
TO THIS NOTIOl.l1 W:j:W2R UslI)P '1'0 FtWo'l'Hm~ THAT' END. '
Ae of Aoril '. 20. '1998, , thlll ,amo,'r\nt of$' 2. 93~.b necee,sli\rY' to, r~;il\.t.te
(bring your lOan cu;,rent) the mortgage al;'xoeelrs. ,After thelt d.atEl' ~hould. rou fail
to reinetate, ,adc1itiond lat/) cnal,"gu anCl monthly mortgage payments~hal ,beoome
due and owing. Xn, ac\dition, appli<;la!;llepre fOl,"ecl,osurecosts together with
attorney's fees alii, set, forth under,l\.ct. 6 0,1: 1974, 4;1. P.s.. UOil.e,t eeqmight !;lecome
due and paYli\P~e. ,should a fOreolosure aotio,l'l be Qommenoe~ prior t9rdnstatement
of your mortgage arrears , addit:L9naJ. fees and,forec~osure oosts will become due.
Xf yoU intend .tore:Lnstate W;>Ur ~rrear~gecontaf;lt this 'ofUoe.for line exaot .amount
then due. ..,
,
Unless yoU,. the (:Jon s\,\\1\e r h with~!1thi:rtiy (:30) days after .l,"80el;Lpt:. of. thie
. notioe, dispute the val:Ld:Ltyof .the .debt <:1eeQr:LPec1 abov~,or any portion 911 that
debt, the debt w1J.~ Peal1lsu\11e<:1 by U$, the debt QoUeQtor, to be. Valid.' .
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If youl'lOt:illy'us 'ib wi-~t~l'ia .w.:Lthin t:l\ethirty day P~rioq.that. th.a.bove
deso:ribed ,debt. ~.. ot. p.nyport::Lon thereo.1I - ;I.S'OXS~UTmD, wewil~ 9btain. yeriUoation
of the debt. 'or" 'q.opy of any Ndllment:'.en. \:.er.',e.d .a. gainst: YO.M. .thereon' and. a oopY of
suoh verifiCtlat;l;on 0:1:' Jucl.wement w:Lll be mailed to you by us. ..
upon Wr:ltt.1im. r.'.~..q\\....es...t:\;ly, yo..u ~it:.h,:Ln't..h.,i.rtY ~aY8. .a.f..t$r relce;l.p. t..., O..f.t.h.~S."Not.i.' Ce,
we will provide yoU with, 'the nameandthes address, of theorigina,l' Ctlrec1:Lto;' if
different from the!! ored:Lto,t' named above. .' ' . "
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If you notify '1.ls il'i writing w;l.thinth.th~rtYc1ay period tnaf,t;.h. d.ept'or any
portion of the dli!Q\1. iAl.cl.:Lsl?\lte~ .or Ith~t you re.q:\le.tthe nli\l\le, and.a~c1ren 9f. the
original Q:rCll~ito2;'..',.,.",.w.e.'.,lJha..U 0.. ea S., e.' c~l.leo..,..~ion. of...th,. e..de. P,' t.. (Qr .an. Y.' d...i...Sp..u. .t.. e. dP..or..t:Lon
thereof) until we obtain 'verU:Loationoft tnedebt or. a oopy oll theUW4gement, or
the name and addre.e. of theori,g:Lna1" or~~itor, and a qop~' of $4ohve;l!'U;l.cM:L,9n or
jUdgement" qr. name anc1~c1drel1ls, na. Peen ma:l,led'.t:o: y.oupy,us.
THIS IS Al.'~cjQIll~STHIIl\>>t1J\POSlrOr WJt;J:CH Xiii TOOOX.t.IlJO\t' APIlJB~ ~ '.~
OBTAIN1llJ:) lI'ROM YO~.ORA1'l'YOma lllt.SBl'WXLt. BBl"USBD '1'aT~T lll~.
; , I ~ j
oontadt::.the undersigned.
'v.,y,ru;yyo.ul.) /1 ..... ..
DA.u~~'E$~---"
:tNrOlUU\TXQN
If you have 'any que.tions, .please
TH'S IS APR.OCBSSTHB PlJRroSIIOP
'\'''1':\.1 ";S TO COt.Lt~CTA DBB'1'Atm I\N~
'I,'~-'" I'.TION On'l'AINBD FROM mo OR
D~O/hms,' \IIIL\.. BB user) TO '1 ns: . ", .t'
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CO' lUlL ~8--;;,~e
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Maroh ,2,2, ~989
fr~.1
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Maureen ~\~roell
'.enior ~e.earoh Ooor~inat6r
l;Iqlll.l'l Administration" I
,,~ . oeOlal" pl. dual 'S~\Vings Bank
' I" ON' .!l232 ....
,;Ft'inoetcm, New Jersey
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Dear MaUI;lIenl
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'On,,'Mareh ..25,1986 you inf'ormed us in writ1n/,l; thfl,'btl;)ere was an
...1. 1'1.90. r.,.I:'...II. ete.s. orew, a.nalysis.perf'Ormedon our. aooo.unt #277069-1..
At ,tha.ttime ,you asked us to inf'orm you in writing whioh option
Wewilllhed to pursue, namely, . , .
1, Ref'un~ overage
2 ,1IuoveragetoWe(rda next months paYll1enta.
;3, APPlytowartls Pl:'inoipal only.
"., j" ", ,. .'
This is to inform you that we ',wish to apply the Ee Ol:'OW overage. alll
reported. by rou to us in the letter of Maroh 2S, 1968 aooording ,
,to OPtion (I')., - Applytowarda prinoipal.only. Thebalanoe aa, of'tne '
23l:'.l;l ot' \'IIaroh, 198fl was 97.89 aooording to ~'our letter. .
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"WealsQ r,t1lllpeo'tif'I,l11yreqt;leSt that YOU or eomeon$, alae reeearohoul:"
mO,st reoent Esorow Analysis dated 1 ,Tanua.ry 1989, .'.!'h.l.\ilanalyeif:l
'''t'eeulted in, nea.rly 100 dollars a month being added to oUl:':,fil:'II,t filix
' lJIQnthfilmot'tgags. pe,YIOent. . After oheohing with' out' oounty tax. or:t'..ioe
' and miY'horoeownsrs inauranos agent we oan not unClet'stand how our
,",Pll;yroElri'be .oould h'~ve risen eo dram!1tioally in..auoh a,sh'orttiml!.W,e.
"w,ant, a "d,etal1ed" bl:'sakdowp like you did for us last year 'when this
. ....happ.e.h. edJl.o." us' at /tha~ ,/ume '/to. s.e. e if'... mistakes were made. '.again,
"Wahave paid the 1 1, 2 1, 3 1 Payments, in good, f'aithbl,\t feel
: ,90ll1Plillled ~o a~k .fOl:'your help aga.inbeoauBe' of""vhe past "rror,
We,dso. wish to: have .an, ansWe.r to' oUr inq,uiry about thePMJ: stl1J.
bein~,taken ,:I)romus eaoh month.' We .were told by Mr'. ,.ROd SnenQk I' ..
ths'ot'idhal lOan' of~ioer f'rom Foeter Mot'tgage.Clorporation,lI/iat; ,
the PMJ:W9Uldstopaftertwoyears and that thifil was juet"pi.l1i On . .
'. to:the.'f'iriilt two yearabeoaui!le We on:).Y put down ,.5% of theoriginaJ;
'put'o/iaae prios, . He ea1cj that PMI .atope attutwo Years.. beoa~eetM
' equitY.l.n your'hbuBS "goes up and we wl!rs told to lOOk fol:' that,"
'flilstodrop or be dropped aftertwo;years, ,. HeaJ,so. informed;Mst~at
PM! waeals,o just to pl:'o11eQtthe mortgage oompanY in the eV1mttM'
:~~Jgt~e t~t~e~r::,s a~~a~~e a;~ ~~~t;~~~ ~~,Y~:n:~'tR~~~~s;e~g::~ei~~~~~.
Mr. She'hok also said that even if the mortgage was trans:rul'1etl like '
", happeMd to ours with Oenhl:' that th~ PMI would 'st111 dl:'op off, "',,,
A olassmate of mine who works in the PennsYlvania State Attorney
OeneralsO.f'fiQe here. in Harrisburg s.a1d We shOuld aslO ,about 'it. "
beoause many'mortgage oompanies ths.y deal with otta,n .fail tb,.it'l:f'oJ:'m.'"
the. QUstomer that the PMI is no, longer n'.~eded. ' I W;po'tle,lIl.~J,l('btu "
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Ctv \'- tt8- ~~Lfl9
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Pag..a
, jiO 'M" r,' Jame"S poyth'ress. . P, resident ot Fostal' Mortsas" e .Oorpora1lion
'lllutp1dnil'lSMt'IShenok.'sstatBments to \IS about PM! drOp off and.
hf!,ve aSk;,d him to personally write to ;your President., Mr, Miohael
IYo.uns;" to explain our good payment history fro.m when we had OUt'
: ' mortgag. with J.1'qster before Oenlarbought it trom them, '
". " ,
!:'We"areOOIlQ'irMd about it beoau!!!e 'we. were told at O,\lr mortfe.se . .
I,' ,pl,oe.,inssessi, on~hen ~e signed" aU the papers that this PM, . .WOU,ld, .'
, 'drop off al:ld that if it. didn'twe.should say something e.bQut to '. .
i . our"loal"l mortgage oompany. Beoause this verbal oomment .and state-
I" me.ntoOOyrr,liCl at the olosingse'ssion and was m",entioned rep'eatedly
. ,pr.iorto our Signing our mortgage paperBw~, have been advised ~hat .
!, th1$ isto'be oons idered a part of our agreement and oontraot with
I FOl!lter.and in good faith should be honored by Oer\lar,
iI", ';' ..'; ",. '
", ~y ,b, rQ,ther had a' P,l:'C/bl. em with ;t,omi"..Nettleton Mortgage Oompal'\y,and ..
, he. 'endec;1 up alii a part pf' a la):lge settlement ordered by the Atttll:'ney
I 0,,' enel:'al"Qf the Commonwealth of P.ennaylvania whioh the. y had to pay ,
", 1Je.Oll.u~'e of' 'misleading .and inMourate statements made to oustomers
" ,',at the time Qf sigl'ling for the l'Qan whioh it turns out were not ,...
I 'ethioal. . .
I.' "
Ly" OU,'mll.Y as,,: w.ell. know that we are l3end,ing oopies of all. ddrr. elilPond,en..oc
. regarding,our dllalings with.,Foster/O'enlarfrom the last 21 yearel, ,
'. to,the Oonsumer Proteotion Division. of 'the Attorney Generals Offiae '
: beoause of' whs,t we have heard frdm my brother' and my olassmate in
I ' Mr, Preates offioe, ' '
;';': "'" ,.... "" '" < <, '. .', .:,'. ::'
, .~. wondeX' what, happens tQ people without tne oourage t.o queli1tion or
I !nq\lire,abou1; matteX's like theee. Maybe there aX'\!! o~hers like us'
.! who l1s,ye had similar. experienoes with their mortgages /
Ill..',. ',' """ '"I." ,
, It!s also. illtel:'$s'tin~ to nClte that Foster,hae aloud all Of it's
fidd offioes !ilelling mortgages; I wbn,der whyl.
,.
'1lhli'onltYou for ypur attention to thie l11a:l;ter.
;, ,
" .. "
,hthntly awdtirig an answer,
,.
MiohaelO. Bennett
, 807A:11.'nstree't . .. . ,
I New Oumbel:'lanc1, Pennsylvania
". " "'c . "
,'<;lQ,1 Oonsl.lmel' Proteotion Divi$ion
At~ol:'ney general '
OomlllonWee.l'bh o~ PennsylvaniB.,
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pay. Llncllr. all '~me .whioh thcmwl;lUlt.lb. clUe
Uncler thbSeQudty. :I,,"trument ant.l No~e hac.\no ..
~C1QI1.t'a1:ionooourlt~a' (b) aun. any cl.ta\1~1:
bf'anyo1:h,r ooven~nt. or aqr'.ment., (0) pay'
alk expen.,. inourrecl in entoroin; thiS Sec:l\.\l.,..
.l.ty J:hi1:rument, inoluainq, but not 1imite~to,
"re".onabl' attorney" tiIle...."
AI can b, le'.n trom the foreqoinq, by ,'reason ot eetenctanta'
. tailure ,to tender the January, February, Maroh and April payment.
.,. . ,'- ,. ", ,,'
," ;,'. -- .
until May 1" 1998, the aate thatCefenaants' oheck was readvea,
in.uttioient to reinstate th!laoQol.lntal. the May Payment
,. "1' '
inourrea, . u well u oounsel fees in Qonneotion with the
I' '"
rlihrral of, tht. matter 1;0 for.801ii:llilure by reason ,'ot D~tenclantl'.
,j , ,. "
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tour lIIonth adault. 'I'hereatter, Oeterid,IV\tis attempted 1:Q tender the'
~.iaypaym.nt, but (\qain failea to inolUcle theooun..l 'tees ana
q
" oo.t.,. whioh oheoj( wu then returne". as beinq insUffiQient to ,d
retns1:ate unaer ana pureuant to their mortqaqe. '1'0 da~e, Det.n~
i__ ; " {~, ", ! ., :, ' -'- ': ~. ' ~ .. . . , . . ., 'n " ,
no.: dantfi,:h~ve failed to teMer the,. fUll amount requirea to reinatate
. ~ . . -- . , 1 ~ , . , ' , ., ' . , ,
their mott;a;. loan ancl aooorc1!nqly the sums set forthatpa2:'a;raph
' . . ..,. " . . .' ,
, " . ' ! ','-! ,.;; , . "-, .' , "-'--.
9" of. the Oomp~dnt remain clue anej odn; as of. the filin; date ot
the" oompl. aint. ""
. . j'
oil
A f'[otion' ,for ~ummarr Juclqment ma.y pi"operly be o;,rante4, ,'~J:f t". '.
pl.ll.~Unqs; depOsitions, answers. to i~t.rr09atorielll, and admhdon,
; , , .'
"on ~i~." toqether'with the Affi~avits, if any, show that uhe~e 1.
,. .' .. ., i.
H .' . "..' .' __ . . ..... '. .;1' .'T ". ,'","-'. >:.
1'\0 qenuin. !slue .s to any material taot and that the 1II0vin~"party
. 18 .~ti't:.l.cl to.ll j4c\qment as II matter ot J.aw." 'Pa. R.O.P,. 1~315(~),'.
,.J;,"':.' ._,".. " ",,' '" ."'. . ,'~'. .;".' .".'\,.'.-~__';':H,' ~.~:.;.
'l,.et:~/I,l Illsta1:e Ji'undJ,nc;l OOl"p. II, Sl\l!1:I:\, '366 Pa, SMper; 1115/, I5~O ,.
A.ad 919'(1987). See atBOWll.'W!09ton F,c3eral Sl!lViOlitf f! ~oan
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.(1986) '2~b~. v. WaS/n,r, 3:L:L h. s'up,r.. 60,
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, (:1.883),'
, . 'Th.ntor., Plaintitf t'e.pectrully r.equ..ts that' YOUr ~ol'lot'a);llll .
. --. i ' .:'" ' . ." ~! ' . ' , " ' ' I '
,"Q9~1;'1; q;aht,}tIllMot.ton fot' SUllU1lal:')' JudtJin.nt aqail'llt O.fel'l(\ants.
. ,;,.,' 1 __. ' I ,. . ,. .0
~l1ow~nCjJPlaintitf to f01'eolo.. on the mOl:'tqaq. coverinq8,07 All,.n'
str,.t, .N.w Qumblrlahd, P.nnsylvania :L7070, and 1l110w1nq"piaintUt'
to,:prceeec1' t~ ,a.....m.nt 6f damaCjJ~.and to Shei'itt' ISal., on said
~i'.mis.. .
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OOMROI!l, H:rNG& ASS()O:r~II'BS .
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,
YOU ~y I!lIllJl,B~1Il TO ~RIIlVIIlNT THIS IilHtllRIFi' S BALIIl'
, 'TOprllventthil!l eheriff.'s Sl\le you must take immllldflt@
IQ~~onl , . .
. . . ~ . . ,
" . ;/' ". ,I'
" 1.' 'rile sale will b'e cllnoelled if you pay to Oomroe, Hing
&, ^,no,Q,.iat&lif' MtorO.YI!I for.. the Pl,aintiff ,tile baQk, P, aYl1\elntl!l,"
lat. charges , costl!l and reuonable attorney 1$, fees due ~~o
l!ind out Ilow mUQh you must pay call, ,'. ". '.
2U-56S-0400
" , '. ". ,)
2. Yo\.l, may be'able to stop the Sli\le by filins l\ petitiQn
aSkins thlt Oourt to strike Ol;' open the judgment, :l.f th.
judgment wu improperly entered. You may also allk' the OOU1;'t to
pOl!ltpon. the SlIle for 'goo~ Cli\use. .... .
3. You may.also be able,to stop ,the sal. throUgh other
li19$1 proceedingl!l.. ,',
,. ,
, '
,
, You ma)' need an attorney to usert your rights. Th..
s9o,ner youoontact one, t.lle greater ohance you w;l.ll have, of .
:~o~~~~~n;~) .sale. (See notice below ,to .find ~ut hO~ to obtain
" ,'lOV ~'l.STILL Bill ABLE TO SAVill YOUR PROPIIlR,TYAND YQUijAVIIl'01SIllR..
. itIgHTS, IIlVIIlN IS' THill 'SHIIlRIFF' S BALIIl DOES TA1<EP:f,.AOm. ' '
1. If the SheX'ifll'l!I saleh not I!Itopped, your p:l:'ope~ty
w:l.ll be so14 to the highest bidder. YoU may find outt,"e, bi,d,'
pdoe by oalling the Sheriff of., Oumberland Courtty,; at
717-240-6190, .,,"
" .!
.' . 2. Yo~ mllY be able to petition 'the Court to set asic3.e hh~ '
'sale if the bid ,price wae grossly inadequate oomparedto the
. Vli\lulI of your pX'operty, .' ',,'. ,
, .
", '3. The sale will go' through only if thebUYl/l;r pa~Iil',th'
. sheriff. the, fUll amol.lnt ,due in the sa~e. To ~:l.%1c1 out: if th~s '
hu h..ppenl!ld'j you may oall the ShElr:l.1:ll of Cumbel:'ltU'lc:\. CQunty at '
'717-240.,~390 \ ,. ..: ':
J '.. . '-'~' ..'. ' . I . . '- --__, --', '.1
4. J:fthe amount. due from t:.h. Buyer' is not, paic1 ~o .eM.
Sher:l,ff, you will remain the owner of the proplj\rtVal,j"f,t; .
sale never happened i ' ' ,','"
.;,'~--
, !5. You have a dght to remain in theprOJ;le;oty \1M:L~
full Clmount due is .paid to the Sheriff and the ih.l!':L~~;
a c3.eed 1:0 the' buyer. Jl,t that time, the buyer may.,bdnrlc
pl<'ooeedin9s to evicl: you. .' H ,.' ' ,":'}'
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CONROI, ~~~Q ,& ASSOCXAT.~
IUITI 1400
\100 MARKIT 'TRIIT
PHI~ADI\PNIA, PINHIY~YAN1A 19\03'3914
..,
(III) 14J,0400
'AK,NUNIIR (all) 161-'160
P, 0, ION 90S
. tRYN NA\/II, PA 19010
. IUIURlAN Q'PIOI'
"
'.m:l.1)" 901,1:1:1; ;pom..t::lo Re~at:ion. 'bividon
One Cou:t:hou.e squa:e
ca~~:l.~e, PA17013-3387 Ap:il 5, 1999
RB 1 Cenl,ai: re~era1 aav:lnss Bank VIII. Miohael G. aennet. t: and tlynn
'Ma:ll':l;I aennett: . " ,
Dooket No. I ' T'll:m, NO, 98-2684 oi..,:I.1 '.
property Addreu. "807 AUen at. / . New CUmberland, PA 17070
~QT1:01ll Oil' SALIll 0' RillA!. JilROPlllRTY
tl..~U:/Madaml
Pha.e I:le "c;\vbed' tl1."t t'he proj;lerty and. improvement., U. any,
a. ..t~orth above/ will be sold by the 'Sher:l.t!t!o~ CUMBBlRt.ANt>
C:ount.y,~n I:hl Courthou.', at the OU:Lee of ,the SherUf pi!
~IRt.ANt> County, S. Hanover Street.. Carlille, JilA;I.7013, on
Sept\!ll'llbtr ' :I., 1999, at 1Q 100am ." ,.
''rhil propet'ty and improvlment., it: any, ill beinS .Old.,purluant:;
i t:e:), a Judgment entered in ,~avot' ot! JjI1aintiU. and.againSI: Dehnc1ant..
i in, the CO\1rt o~ c01l\lllt)nlilea.. of! CUMBBRI,AND "County..' ..'
,., .
, The name o~the owner., rea10wnen and' reputed owner., oil tl1.e ,
al!Ol:;'...:ld. pt'9pel:,'ty:l;. as ..t l!o:th .. the Dehnd.ant. above.. Xt ha.
ool1le to, out' attention that you.mi;ht be a ered.it:.or' to the,
De~,n,d, ant. ,nailled. herti,'" ShedU'" S.leof the mo, rt:.gag,d. pr,opei:t:y
oould adve:.ely at!~eot your interest il! you are, in l!aot, a junior
'oric1ito; her.in. "... :
A Sohedule Q:eDhtribu~ion \If.i11 be 1::L1.<:1 by I:h,.her.:l.l!l! on ..
c1ate..p.oiUe<:1 ~yth. Sher:Ll!l! no lat.r than t.hirty (30),"d.~y. ,..~t\!U:
"..id....;l.e, and.. diltdbution, will be .llIac1e . in aocoJ;'~ange 'with the
loh,d.ule Unl... .~Q.pt:ion. .are l!:l.~ed thereto within t.n (~O) day.
at!teX' t.he date said sohed.ule. You should. oheok wi th.th. Sh.rUl!t1
~Hf~: ..~~ ~t;1~~id7~~h~~~'i.~3.90 to d.etermine the aQtualdateol! the
c:::5;$ . r.,
David. B. comroe
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LAWQ"ICII
COHRO., B~HG & ASSOO~ATBS
IUITI 1400 ,
170Q HARKIT ITRIIT
'PHILAOILPHIA, PINNIYLVANIA ,19103'3914
...
. (111) 16.-0400
MK NUltelR <'111148'1160
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GLlNN " HIND
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RIIIGCA'H, LANGII ·
* ALIO HIllII! ",~, IAR
,amfly "O\)urt, oom..t:~o Relat:l.ons O:l.v:l.El:l.on
On. COU;l:th04.e Squal:e . .'
CU;l:l.l!I1e,. PA 170~~-3387
RBI CenJ,a):B'.d.era1Sav:l.nS'1 Ban!\: v.,
Ma~i. ~enn.tt: '
OooketNo, I 'rerm, NO, 98-2684 o:l.vil
. pt'oplrty Ad.d.l:'.'1 'e07 AllenSt" NlwCumbet'1and,
~oTrom,g~ SALIOP RIAL PROPERTY '
,. "" "."."" f' '
D,.ar Sit' /Mactallll
P. O. ION 903
IRYN MAWR, PA 19010
IUIURIAN om 01
Apz,'U 5, 1999
M:l.ohael Q. Sennett
and t;ynn
PA 17070
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,. "',. ,11'1,.... be,adv:l...d. that the p,l:operty and..:l.m,proveme,ntl; if _ny,."
. " .1 ..t fQrth. ,&!:love, ,w:l.ll be 1S01d by the ShedU of ctlMBBR~
: '''Cq\1nt:YI :l.n t~e' OOUl:t:house, at the' OU:!.o. ot: the Sh.t':l.l!,1! of
OtlMBIlIRI;!AND 'County, S'. Hanover "st:~e.t, Oat'l:1..11, JilA :1.7013, on.
S.ptemtll;- 1,'1999, at 10 1 OOa\1\ , '
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, ''l'b.:l./f property ,and. :I.mprovement., :1.1! any, i. be:l.ng s01d. pursuant:
itO a JUd.gment Intered. :l.n, favor of l?la:l.nt:l.Uanc1 asr~:I.nlt O.hnd.antl4
.i:l.n the Court of Common Pleas 011 ct1t'1BIilRLANtl <;lount:y,' .'
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, ".'rhe ,name Ol! t:l\e owneZ;1 i real owners and.. reputed. Ownlt'1 of th.
.~ou..:I.d. property :l.1I as ut forth all the Dehndant:1 &!:love " .%I::1\al
00""to our attent:l.on thal1 you1'l:l.ght be a, or.d.:l.'tor t:o'thlll
. ,oehndllntl nllm.d. herein. Shldfl! 'I Sale of the mOl:tS'll\led.' p2;'opllrty
Clould lld.vlr.e1y aUeot your :l.ntel;'ut::l.fyou are, in hct,' a junior'
ored:l.tor hete:l.n. ' ,,'
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".. ,A Sohec1~le of.O:l.i!ltr:l.bl,lt:l.on w:l.ll be f:l.led. by tl\e .her:\.1!l! Qna
"d.all....~eoU:l.ec1by the Shedff no late:r than thir~y (30) d.ay"afl1et
la!~.al.,anc1 a d.iltr:l.but:l.on w:l.ll be mad.e ~h aooord.anQ.w:l.t:l\ the
loh,l1uJ.e unl.....xo.pt::l.on. al:e bled. tl'1eteto .with:l.n ten (10) d.aya
afllet, the d.at. u:l.c1lohedu1e, .'iou.hould.oneo!<: with the Sher.Uf.' I
of~!oe by calling 717-240.63~0 to c1ete:rm:l.ne the actulll c1&te 011 the
hUng of the sa:l.d. lohedule, . '. ~rul~
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LAW omces
COHROII, HXNG &. ASSOCIATIllS
. IUITl 14QO
1700 HARKeT 11RleT
PHILADeLPHIA, PIHHIYLVAHIA 1910503914
...
(2151 168.0400
PAX NUNBIR (211) 168'1160
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DAVID '1 CCMRoI
OLINN P. NINO
ROn"1 I. WILION ~
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" , RI"OCA N. ,lANO" * ,
· ALia HIH8IR N.I. eAR"
,ram~~y Oou~t, Domestid Relations Division
, On. OQui::th.OUIe aqua;e
'~adh:Lil, PI. 17013-33$,7 April, s, :l.I),ll~
, Rill, C.nla~,.(1.~ill Savings Bank vs, M;!.ohaeJ, G ,atlnn.tt and. t.ynl1
Mad. Sennett . ' .,
POClket' No I I ,. ?'erm, NO, 98 -26B4 oivil
P:t:'op.~tY' Addre"s, B,07 AUljln St q New Cumb.;~andiPA :1.7070
,NJ;>WX,CIll PI!.' ,~AL1l10FiEAL PROPERTY
P. O. BOX 901 .
BRYN ~\lR, PA 19010
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'SUBURIAN OPPICI
,D"'~ Sir/Madam. ','
'u. ,Please kill advisedt!iat the property' and improvements, :I.fany,
U .It f02o'th apove,willp. sold by the Shed1!f o!!CUMalllRLAm:>
oou.nt.", . i.n ..the. oourthou.se, a.tthl' Office. Of., theSher:!.ff ,of
OUMSIllRLAm:> Oounty, S. Hanover S tl;'tiet ,OarHs l,e, PA :I. 7 0 :1.3, 'on
~..pt.~.r :I., :!-9,1) 9, at 10 .00am
'" ", '.' ,.1'Il.:I.. s prope. r...tY.a.'nCl:l.mprovem.eiit;s, i1! a,n,W.. , is. billing SQld. pur..s..u...ant;.. '
., :' to, a Judgment entered in,favor of PlaintUl!an~ against Defendants "
, tllthe, COI.\):t of Common JIllea", ofCUMBIllR~ County, , ". "
,
, Thill net-me of tne owners i real owneis and rlllputeClownUII ,of tile
a,~ore,..id.pl:.'Operty tsasnt~o;'th $stheb~!!~nClants apove. It ',Ila,s,
ClQme ..to . 'our' attentiam ,. that ,yo\). m~ghtr be a Cl;,ed.:ltor to,thl
De:e.ndan~s named' herein . $heriff IS SU. oil the mOl:,'tgaglllCl pr~pel;'ty ,
Cl,ouJ.d ad.vereely all1!eot your int.rest if you are, in fact, a junior
'cl:,'ed.itor h_rein., ,."... ,. ,.' , ' '," .'
I'~$oh.dul. o~ Distribution wiU be llUeci by thelilhe:t:'iff oh a
Cl.t& Ilpeo:l:fhd p" the Sheri!!!! no l$terthantlhirty (~O) d~Yllafter
. II aid, sale/and a dillt1'd~ut:l.on will be ,made' inaooordanoe ,with<tllll
lIlp/hed\,U.euttlessexoept:l.onsarlll filed theretQ W:l.,thin ten ( :1,0) d~ys
all.tel:'the ClatesaiCl sohedule ,You shoulCl oheck with the Sn.rUff s
.' ,oll....1lioe b~.. O&..lling 717 -~40. ~63~Q ,to detlllrmine' the ~Clt~al datfl:'ollthe
Ul':I.ng ollth_ sa;!,d sOhedule" ....
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"yoq ~y ~E ~il'.illl TOPR,V$Jir1, T~m AUJ'~U'" ~~!\\',Illl
'" '1'0 prevent thill Sher:l.U's h!e you mUllt take"~
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,,3.,The f'a1ewiJ,1 pe, cancet,ledl :I.!! you pay to ComrOI, Hd.ni
',Auociace,II, atccrneYll for th, ~Jjlla:l.l'\t:l.l!~, the klaCk:, paY1l\, entl,'," ",
late charge.) oOllasand reasonable attorney'lI Bees ~U" '1'0
,tineS out how llIuQh :(ou must pay oalll" ," '
2:LS-S6B-0400
,:, ,2, You mMy).ie able to stoptne,saltl, bYl!iUn~a petition
.llldngthe Court to ,st:r:lkeor open the 'judlgment, ':I.l! the'
jl,ldlgment"wall improperly ent,er.dl. You may also allk the Court ao
poscpone the sale fol:' gooc1 oause.,.. ,', " ",'
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3. You may also be aBle to stop ,the lIale throuih other
leg'al proceedlin!il'S. '
, ,
',',"YOU may l'\eec1 an.. at;torneyto assert, your l:':l.9'ht.~ Tn~' ,,'.'
100,nlll:l:,' you oOntMlt one"the 9'l:'ea:tet' cnanoe 'Iou WUl haveo~
/iltopp:l.ng thesa,le. (See not:l.oe pllllow 1:0 find out how to obtain
anatt,ornlllY).' " , "
~~~~~~1t~'FBII~:l~:HiI~~~; ~~~"t~~~~~iklf~g~j HA~'~'l'~Ill~
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' '1.' II! the Sher:l.fl! I s Sale is not stoppec1, your propet'ty
,will be solc1 to the highest bidlc1er. Ypu, may finc1 Ol,lt the bid,
prioe by oall~ng the Sheriff ol!, CumberJ.andl County at
717~240-6390. '
, 2. You may b. able to petition the Court tt:J set addle the
sale if tn., pidl pr;f.ce wall gronJ.y :I.nadequate comparllld. tQ, the
vaJ.u.e~l!,yourproperty. ,"', ' "',' '
3. The sale willi go through only ,if the buyer p,aYI the'"
She'i:'il!f the l!ull amount: due ;f.n tne saJ.e. 'ro, find out 11: 'fth:Ls
has happlllnedl, you may call t;he Sher:t.U ol! Cumberland Oo\.tnty at
717-240-63'90,. " , ' , , '" '
4 I J:~ the amo),1nt due from the Buyer is not pateS "t~.th'e ,"
Sher:l.l!f, 'Iou will X'lma:Ln the owner of the ,property as :lit tl1e "
sale liever happeneel." " .
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, S. You have a'dght to rima in in thAprope2o'ty unt11 bbe.' ,
. fuJ.l amount due i,1I paidl to the Shedf1! and., the, Shet:iLU, g:l.ve,'
a c1eed to' the buyer I At that;, t:Lme, tne, buyer may bd~; ,,It;. ,':
proc..c1~n98 to .vict you. , ' ' .,
2