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Home My WebLink About98-03104 COLUMBIA NATIONAL, INCORPORATED, IN THE COURT OF COMMON PLEAS CUMBERLAND COrn,TY, PENNSYLVANIA Plaintiff VEl. NO. '/J'.:J /0 'I eluJ T;,~ CIVIL AC1'ION - LAW _ I IN MORTGAGE FORECI,QSURE JOHN B, FAR RANCE AND SHELBY K. FARRANCE, A/K/A SHELBY FARRANCE Defendants THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. tLQ..J:..U..ll You h~ve been sued ill court. If you wish to defend agaInst the claims Set forth in the fOllOWing pages, you must take action within twenty (20) days after the Conlplaint and notice are served, by entering a written appearance personally or by attorney and filIng in writing with the Court your defenees or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW 'fO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUmberland County Bar ASSOCiation 2 Liberty Ave., Carlisle, PA 17013 717-249-3166 Legal SerVices, Inc. S Irvine Row, CarliSle, PA 17013 717-243-9400 AVISQ LE I~ OEMANDAOO A USTED EN LA CORTE. S1 DESEA OEFENDERSE CONTRA LAS QUEJAS PERESENTADAS, ES ABSOLUTAMENTE NECESSARIO QUE US TED RESPONDA OENTRO DE 20 DIAS OESPUES DE BER SERVIOO CON ESTA DEMANDA Y AVISO. PARA OEFENDERSE ES NECESSARIO QUE USTED, 0 SU ABOGMO, REG ISTRE CON LoA COR1'E EN FORMA ESCRITA, EL PUNTO DE VISTA DE USTEO Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN ESTA OEMANDA. RECUEROE: S I USTEO NO REPONOE A ESTA OEMANOA, SE PUEOE PROSEQUIR CON EL PROCESO SIN SU PARTICIPACION. ENTONCES, LA COUTE PUEOE, SIN NOTIFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y REQUERIRA QUE USTED CUMPLA CON TODAS LAS PROVISIONES DE ESTA DEMANDA. POR RAZON DE ESA DECISION, ES POSSIBLE QUE USTED PUEOA PEROER OINERO, PROPIEOAD U OTROS DERECHOS IMPORTANTES. LLEVE ESTA OEMANoA A UN ABOGADO IMMEOIATAMENTE. S1 NO CONOCE A UN ABOGADO, LLAME AL "loAWYER REFERENCE SERVICE" (SERVICIO DE REFERENCIA DE ABOGADOS), 215-238-6300. Cumberland County Bar Association 2 Liberty Ave., Carlisle, PA 1.7013 717-249-3166 I,egal Services, Ine. 8 Irvine Row, Carlisle, PA 17013 717:'243-9400 THUE COpy FROM RECORD In Tesllmony wlt9feof. I here unto set my hand and the seal of said c~ at Carlisle, Pa, rhl~al' .0 _ . 19 ~f " Prollton6tary 5. The land subject to the Mortgage is: 19 PARADISE DRIVE, CARLISLE, PENNSYLVANIA 17013 and is more partJ.cularly described in Exhibit "B" attached hereto, 6. The said Defendants are the real owners of the land subject to the Mortgage, 7. 1'he Mortgage is in default due to the fact that Mortgagors have failed to pay the installment due on October I, 1997 and all subsequent installments thereon, and the following amounts are due on the Mortgage: (a) Unpaid principal balance $ 84,747.09 (b) Interest at $17.70 per day from 10/1/97 to 6/1198 (based on contract rate of 7.625%) 4,301.10 (c) Accumulated Late Charges 152.20 (d) Late charges at $30,44 per month for 9 months 273,96 (e) Escrow Deficit 165.22 (f) 5% Attorney's Commission 4,237.35 $ 93,876,92 *Together with interest at the per diem rate noted in (b) above after June 1, 1998 and other charges and costs to date of Sheriff's Sale, The attorney's fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and will be collected in the event of a third party purchaser at Sheriff's Sale. If the Mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged that are actually incurred by Plaintiff, 8. No judgment has been entered upon said Mortgage in any jurisdict.ion, 9. Notice of intention to foreclose and accelerate the loan balance purEluant to Pennsylvania Act No. 6 of 1974 is not required in that the original principal balance exceeds $50,000.00, 10. Defendants are not members of the Armed Forces of the United States of America, nor engaged in any way which would bring them within the Soldiers and SailorEl Relief Act of 1940, as amended, 11, Plaintiff has complied with the procedures required by Pennsylvania Act 91 of 1983 (Homeowners' Emergency Mortgage Assistance Payments Program) and Defendants have either failed to meet the time limitations as set forth therein or have been determined by the Housing Finance Agency not to qualify for assistance, WHEREFORE, Plaintiff demands judgment in mortgage foreclosure "IN REM" for the aforementioned total amount due together with interest at the rate of 7.625~ ($17.70 per diem), together with other charges and costs including escrow advances incidental thereto to the date of Sheriff's Sale and for foreclosure and sale of the property within described. By Leon P. Ha ler Attorney for Plaintiff I.D, #15700 1719 N. Front Street Harrisburg, Pa. 17102 (717) 234-4178 NOTE FEBRUARY 2B, 199B "',.....,.".",......., SHIREMANSTOWN """"jc..,j"" , PENNSYLVANIA """""1';";"""""'; 19 PARADISE OR. CARLISLE, PENNSYLVANIA 17013 ""....."""""".."".."...,"""I~..:,:w.tljt'..,"""""""",.,." ."""",,,,. 1.llOlROWU'S PMO~IISE TO JAY ,. "'um r... 100. Iluo, f """ ,...IIId,1 ",om.. "'I"Y U.S. ,... . . .. . . . . . . .. ~S~~~O ~0(1l11t ...~.. It ..I~" """..,...'"). ph. I...,.., " Iluo ..de..r Iluo IA...... Tho IA.K~I It ~ COLUIIB I A NA r I CORPORA TED ...... , ~;SUI"d 0111 1M Lender may trlNt" this Nute. The lend." (If' .nyont who take.'1lM" Nnto b)'t,;;-;nd who L, enlllilld In '''elllvo IUIymen" uncler Ihl, Noto Is ulletl Lh6 "Hoe. Holder," 1.INTI:RF.'rr 'n'ernt 'NUl he llh"'led nn unp.11d principlll unW tho rull amnllnt ot flfll'Kl(M1 n3." been plkl. I wIll rAy InlJ!re~1 .1 " yearly Me lit .... 7..!Z!i'. The 1"lerellt ,.te telllllted h)' this ,,"Ikln 11:t the 1llle I will,..)' huth tlcrOlC .nd .rter any dl!(ault lk8crl~d In Sec:tJun ~(fJ1 o( Ihls Noll!. J. PAVMF.NlS (A) "lmCllnd PI.ce,., r.,menu I '4111I ply prlnclptl.nd Inl"rcst by m.k1n. plynWlnL,evcry month. I wlll m.ke my monthly plymen... olllho --1~_ day 0' cll1h month ..,Innln, on APR I L 18T _ 19 M- ' f will m.ke theM paymeDlJe'tery monlh until f h....e pcld .1I11flhe ptlnolptl.nd Inlere8t and .ny other c:1w.tlI dt~rlbt'd be~)w th.1 f m.y owe unde, Ih. ~'otf. My tnonLhly plYm<lnu wlllllc applied to Intm~ "'or. prlnel.lItil. It, itn MARCH 1ST 2026 __._' I Mill owe amount' under thL, N~. I will JlIlYlhose amounL, In rull on th.l iI"tc, whk:h LIlI called the "mllurl'y d.II.- I will m.k. my ..mll1ly I"Y"''''''..f..:.Q.... BOX 3050.._!iOLUMB I A , MARYLAND 21045-6060 nr ",. dlrrcrllnt pllce tr rrllulfed hYlt!e NlIlc Illllller. (II) ^ntfllllll u' Munlhly r.,menl., My monthly I"'ymenl wllllltlln the Ilntltlnluf U,S.' ':':'::':':':':~608. 71 4. ROMROWI:R'UIGIITTCl rRF.PAY f MVtllho rl,hllo mlkll J'lymenl.lJof prlnclpal.llllY lima tlllrOfc they .re dUel. ^ paymen' o( prlnclptl only l, known II 1I-p'eplymenl." When I mike I preplymenl,1 ....1I14l11 the Nole Hllkhlr In vnillnlC thll f 1m doln, 50. I mlY mike · full prepaymenl fir r-nitl prepllymenL~ wlthoul ptylnS .ny prepllyment char.e. Tho NoIe Ilokler WIllIL\O all nf nly prefWIymenL, tn reduce the amounl ot prlnelp.1 thai I owe IInder till.. Noee. It I m.ke a panllll prepayment, therc will he no chl1nlU In Ihe due dllle Of In the arnnunt olmy monthly paymenl unle", the Nole tlnkler 311reu In wrltlnglu IhOM chan8u. ,. WAN CII^Rflf~~ It I law, whk:IIIlMIUe.. In Ihl. k)dn .nd wt,leh I'tl.~ ma,lrnum ~'..n chll.e~.l~ I1n.lly InCcrp't'ltd ~ th.tlhc Inlere!lt or t....het Inllnl,'hl1r811i\ colkol,'tcd Hr tn be collected In t"unMclion with till. kliln e.lct'ed the pIlrmilltd IImlt.t. then: (I) 'ny ~uch lo.n eMr.. ~hlll be reductll hy lhe! 'nHlunt nellCJ.qry hI retltk:f1 1M ohlr'lIlo the permllled IImil; and (II) .ny sull\'lalrl!ldy cnllt:cLetl trom me ....hklh uceedlld pcrmiuellllmlL. will he ,efunded 10 me, The Note flo/der ""y chtue 10 make Ih~ refund by reducln, the principal I (lwe under thl, Nole or by mlkln, .. dlrtCI ~ymllnllo me, U. ,efund redUCe!! princlptl, the reduction will be troaltd I' I partJII pteplymtlnl. I. R()MROWU'S 'AII.UK! TO PA V AS UQUIMF.O (i\) I.ale Ch"1I1 (fU' OwerdlM 'I,"'e"~ I( tho Nolo flulder hili not recel...ed 1M (ull lmounl"( .ny monthly JIIYnw!nt hy the end o( FIFTEEN calcncJ., dlY!\ .r'('r the iI.lt it L. dtHl, I will ply I lite ehl'le 10 the Nole Holder. The 'lrHHlnl o(!he c:ha"e will he 5, III",y o...erdue JIIymenl nl prlnelpeland Inlfur.t. I wll! pay IhL, 1.1e char.e ptonlplly bul only once 011 eldtlalAl p.yment IR)lIo1.ull 1(1 do nul ply the ruUlmnunto(e~htnl:)flthly JlI'ymenl on Ihe (!.Iil II 1.1 tille, I wUl be! Intlclault. Ie) NoUce or Ocl.lllt It lam In defl1ull, the Note Hllkler cnlY.\c!ml me a vniUtn n(ltk:1I wiling me thl' if I 11(1 not ".y lhe ov~"lull ~mnunt hy I certain d"'te, Ihe Nule Hulder Rlfty require me 10 ply lmftk'tll.tely !.he (ull.mllllnl (If prlnclJMlI 'Nhkh itA.' nol been raid and ~Il tho intere~llhlll "'II'a nn 1111' .mnllnt. Thll d..le miL" beltt leUl30 d..YI.ller lhllllale on which It.c n(llke 1.11lellvmtl or mllilod tll mil. (0) No Waiver By Nole Itulcler P....flft 1(, .t I lime wkfn f 1m In dellullt the NolA! fllIWcr dOllS nol rccfulre mil In pay Immedlll4lly in 11111.... tfco~rlhcil.htJ...e, the Nutl! Uuldef will Mill hf,vllthe r1lhtt.1IlttlMJ 1(llm In tld.uhatlllllcr lime, (f:) rlym,"' 01 Nole U"lde"4 <.'/M1a Ind .:Ipt'n,," litho Note Huklarhl/tJequlredme In ply ImtMcllltely In MIa., tIt~rll-.etl.bove,!h1! Noc.e Holde, wllllllVelhe rl.hllo he plld h~ck by me rn, III tll Il, <;I~" Ind (l~re"'w.., In en(o,elnlJ thl, Null! In the Ufenl nlll pll'hihltt!d by Ipplle.htCl I.w, Tht~ upen.~l\ irlChltle, (Of eumplo, rC"4on.b"'.llo,ncy~' ft'e~. MIII,TISTAT.: nXt:o R.\Tt: NOTF.. Slnll~ F~,"n, .INM^,,"UIC IJNI'O.~I fN!i1ll:VMF.Ni' ,,.,. FNSl 02/26/96 P'I.I"I: 6,24 PM Exhl b'lt II A II "lJntlJJ..U"J 02343155 f STATI~ OF PENNSYLVANIA, COUNTY OF CUMBERLAND f ss. I, _........J!Q!>.~xt ..Ll:1Mhr. .. ... ....... ...... .....-.............._....__......__...._.._.._..._...._.... Recorder 01 Deed, In and for .ald COllnl)' and Slalc do In:rcb). certify that Ihe Sbel'lff's Deed In which ._..._.._.....___.... - ........_.....__..F~~~l:~ 1...N.~t ~ .~! t~-^H.~~.c.. _.. __..... ""m .... _..........._ ....._...... __" _._...._ l. the granlee . 9th lh. Sllmf' bavlng bcen ,old 10 ,ani gran lee on Ih. ......--..-........_......_._....___. ....-......-.....--..............h. day of _......_.._..l!~f..e!n.~tl!'.. '-..--.....-.........-.-..-- . ... A. D., 19........~8.., IInder and by vlrtlle 01 n wriL_.........._~_.._h ExecutIon . --............... .... ........ _k....d on the . _2!!1.... ...... .............. ....... ...._.. __.... ,,_.._ '''_ -----~--~-"--_.._-- day 01 ..s..pt_be......_...................... A, D., .9...._98., ont of the Court 01 Cornman Pleas 01 said Count). as 01 ..-.-.._....Ciy.i.L_..........."'.__.... ..... .... ..-........... .............. _...._ ..h .............. _............. __ ........ .......... Term, '9.. 91L__ Number )JQ~.._............., at the 'lilt of . .Q'?hl!'lbJ.~J"-~~L.I.r!.~......._.._..__......___.._....._......__...___...........__. .. m... -.. .--.. --...... - -.. -......... _........ ..... agalnsl...... ~9!:~..~....~ ~: ....a_~~ ~.. ..&._ ~.h.e. !~Y...~ _!.' .!<..':. ~!,-e_ !~Y..!.. ~ rAnc e dnly record.d in Sheriff', Deed Book No. ..1.~~....u......., Page ..?~~.._.._..__, IN TESl'I!'tIONY WHEREOF, I have hereunto set my hand and seal of said office lhl. ........JL._ day 01___1?!:.:::__..__......__..___._.._..... A, D" 19_~eC.__ -::-::e..;Z.. -..... -.-. -....... -. - -. - - - - -. -.. lItetnIef Of DetdI, Clltflbtrllnd ~_",?f.I>eed., My Commilsion [Iplm the filll MGiilaiiijln. 2OQ2 Columbia Natlonallncorporutcd -vs- John B, Farrance llnd Shelby K. Fllrroncc oIk/a Shelby Fllrance In the Court of Common Plells of Cumberlullll County, Pennsylvania No. 98-3104 Civil Term Brian M. Barrick, Deputy Sherifl~ who being duly swol'l1according to law. says on October 12,1998 at 3:42 o'clock P.M. E. D. S. T.. he posted u true copy of Real Estute Writ Notice Poster and Description, in the above entitled llction oathe property located ut 19 Pal'lldise Drive, Carlisle Cumberland County, Pennsylvania according to law. Propcrty is vucunl. Brian M. Banick, Deputy Sheriff, who being duly sworn acwrding to law, says on October 12,1998 at 10:11 o'clock A.M. E. D. S. T., he scrved a true copy of Real estate Writ Notice Poster and Description in the ubove cntitlcd action upon one of the within named defendants to wit: John B. Farrance, by making known unto Shelby Farrance, wile at 64 Rcgency Woods, Carlisle, Cumberland County, Pennsylvunia, its contents and at the same time hunding to her personally the said true and attested copies of the some. Brian M. Barrick, Deputy Sheriff, who being duly sworn according to law, says on October 12,1998 at 10:11 o'clock A,M. E. D. S. T., he served u true copy of Real Estate Writ Notice Poster and Description, in the above entitled uction upon one of the within namcd defendunts to wit: Shelby K. Farrance oIk/u Shelby Farance by making known unto Shelby Farrunce at 63 Regency Woods, Carlisle, Cumberland County, Pennsylvania, its contents and at the same time handing to her personally the said true and attested copies of the same. R. Thomas Kline, Sheriff, who being duly sworn according to law, says he served the ubove Real Estate Writ Notice Poster and Description in the following mlllJ/ler: The Sheriff mailed a notice of the pendency of the action by regular mail to one of the within named defendunts to wit: John B. Farrance to his last known address, 63 Regency Woods, Carlisle, Pennsylvania. This letter was mailed under the date of October 13, 1998 and never returned to the Sheriffs Office. R. Thomas Kline, Sherifl~ who being duly sworn according to law, says he served the above Real Estate Writ Notice Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action by regular mail to one of the within named defendants to wit: Shelby K. Farranee aka Shelby Farance to her last known address 63 Regency Woods, Carlisle, Pennsylvania. This letter was mailed under the date of October 13, 1998 and never returned to the Sheriff s Office. R. Thomas Kline, Sheriff, who being duly sworn uccording to law, says thut after due and legal notice had been given according to law, exposed the within described premises at public venue or outcry at the Court House, Carlisle, Cumberland County, Pennsylvania, on December 9, 1998 at 10:00 o'clock A.M. E. S. T., and sold the same for the sum 01'$ 656.09 to Attorney Leon P. Haller for Federal National Mortgage Association, its sm:cessors and assigns. It being the highest bin and best price received for the same Federal National Mortgage Association, 1900 Market Street Suite 800, Philadelphia, PA, being the buyer in this Execution paid to SheriffR. Thomas Kline $ 656.09, it being Sheriffs Costs: Sheriffs Costs Docketing Poundage Posting Bills 30.00 12.57 15.00 Advertising Acknowledging Deed Auctioneer Law Library County Mileage Certified Mail Levy Surcharge Law Journal Patriot News Share of Bills Distribution of Proceeds Sheriffs Deed 15,00 30.00 10.00 .50 LOO 6.20 3.28 15.00 18,00 230,00 192.30 25,74 25.00 ~ $ 656.09 pd by Atty. 12-16-98 d Subscribed To Before Me Swom an ~r-) This 7;' Day OIC/v",ec"-"l 1998, A.D. C~r-<- OhlM-C,,,- Prot onotary ,~ So an~.~;f~<?~:::.,.",,.,,r/~~e R. Th~mas Kline, Sheriff By ;lJu.,;~ ..dJz.1t:" Real Estate Deputy ., ::if"? tie.. - .7 1:;31.1 f:..... . , , COL.UMBIA NA'I'IONAL, INCORPORATI!:D, ['I ,,'IINTI F'P' Hi TIm COURT OF' COMMON PLEAS CIIM8I!:RL,AND COUWry, PE:NNSYL.vANIA v Nr . 1998-03104 CIVIL. JOliN fJ. F'ARRANCI':\ND BrIEL,BY K. FAHRANCE:, A/I< .\ c:r IEI..BY FARANCI!:, [)!-.;.'fi:NDANTS C! 'IlL ACTION - LAW ' Ii! ~1()RTGAGE FORI!:CI..OSURE: ~RAEQ1PE FOR WRIT or ~XECUTION (MORTGAGE FOR~CLOSUEEl P . R , C . P. 31; 0 - 3183 TO THE PROTHONOTARY; ISSue Wri.t (.c Executi.on in the,bove matte!:' on the real estate locdLed at 19 [', l'adise Dri. ve, Ci'll.lisle , Pennsylvania 17013 as follows: ** Together wi. th .lny addi tional i nt."rest, charges and costs to the date of Sheriff'R Sale. Amount. JUG pursuant to Jurhlilent $93,876,92V Inter"" (at tlk' per diem of $17,7" to 12/9/98) $ 3,380.70 Late Clldrges (at $30.44 to 12/98) $ 608,80 Escrow deficit TOTAL $ 1.463.1l $99,3:19.53 By_ T~~ - I.D. '15700 ATTORNEY FOR PLAINTIFF 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 Dat~d; September 8, 1998 At tached.Is a del";ri.pti.on of the 1" 'd 1 estate. 'WI' ,,\ oJ (? ~ ~ ,,'j ""-,-j .) , r n \ \'1 Q..... a... ~ ;i, tit q.. _ fi lAlB1Ft/( :::. ,?->.p ~ ~ C;; Ul _ 68 8~U1b o --B- 1L nb <1:) _ 0 0 ~'-a. u- 0..: 1L 1L j- j- ~ fJij 1 I,:,!i ',.-, 'I . ~ J I , , .'-J /. 'r'f , -'"I) () ,;, '.- j "() In @ . CSl C' D 0 .; \;':1 ~) r t:t- I;t. ~ ~ s & . CO[,IIMHIA NA'I'lONA/ I NClmPORA1'!1:lJ, I' \tN'I'H'I" i i! '[''IlIi: COURT OF' COMMON PLEAS ( f('/HU:H!'.,AND COUNTY, PENNSYLVANIA V: N! , 1.99[1'031.04 CIVIL .JOHN B. F'AHHANCI:: flNIl IJI//i:t,/JY K. 1"AHj~ANC/i:, AlI</^ HII!!:[,/JY I"AHANcim, IW/"I':~/IJAN'[''<I ('IVIL ACTION - LAW- IN MOH'l'GAGE FORECLOSURE '1'0 '1'11I>: AllnVI': NAI</i , I JI':/i'I':NDAN'l'S: NQ'r1.9.lLQFJ;N1'~ OF JUDGMENt Ynu fu 11 OW 1.110 Udpt l"I.If!('j ,110 II.! ..t,y lIot:ified ULIt: 'j Ildqlll> 'I /i;1fI been enteJ,or] lliillltJ; on _ f)ILl\~ Cl.H~JSfl~ the again~the above- $9;1 1876. 92111d to): the sale allcl foreclosure of your property 'II 19 Paradhe IlII.Vf!, Carlisle, FA l7013 nil t ('d : ':"-X'iJL ( /4\1 I lenS IS! C' l\ ,,-\:/,\ R, \..~ )LI~1 PROTHONOT AII()I'IIOY 101: i'lilllltIEf: I.,noll 1'. Ilill J OJ: 1'71'1 North 1"I:'(lll I ,':troet IrEI1Tluburg, PA l'/IO? I'hollo: (71'1) 2]il ,1178 T hl1I'''by e'en;l fy h,.tl. the followi.n9 person (s) and their respective ,'Hldl""f18S dl:r' I." proper indi.viduals to receive this Notice plll.'UlIdilt: to PA 1<. '.1', No. 236: ,'Iohll n. 1"iU'I:dIlC,' r, J R""'lfIcy Woodo (;<lI.'llol.e, PA I '/0 1.\ ShnLJ,.y K'. Fan'dll'.' il/k/a S/iu J by fl'fIl:t'i1Il()(' fi,', "HI/finny Woodn ('dll illlo, PA J '/0 COL.l1MBIA NATIONAL, rNCOR PORA'fED, i.'1 i\IN'['IFfo' IN '['m~ COtJR1' OF COMMON PIJEAS C'III'IBERIJAND COUNTY, PENNSYLVANIA v. N(. 1998-03:1.04 CIVIl, ,JOHN B. FARRANCF. /\N/l SHELBY K. FARRANCE, A/K/i\ SIIEIJBY FARANC'E, DF:["ENDANTS CJ va, ACTION - LAW.. IN MORTGAGE FORECLOSURE NON-MU,.I1'ARY AFFIDaVIT COMMONWEALTH OF !'i;:NNSYLVANIA ss COUNTY OF DAUPHI N Personally appeared before me, a Notary Public in and for said Commonwealth and County, LEON P. HALLER, ESQUIRE who being duly SWorn according '0 law deposes anI states that the Defendant(s) above named are ",t in the Mili tar!" or Naval Service nor are they engaged in any w"y which would bl'ili'J them within the Soldiers and Sailors Relief Act of 1940, as amended. Sworn to and sub';'Kribed befo.l'e me this cSt day C' . rI of "~pl:uln~'I.I) "p {I j \.-./. Ulbll~ ..~ jJ.l1'L-. Notary Public ~ ESQUIR, . NOlarial Seal Marsha Fuilar, Notary PUblic Harrisburg, Dauphin COunl My CommlSSlon~Plrss JUly 2. ~OOl I I I , , .~ ,.I 1 FJ : P'arl:a.noe John ['. Fan'anoe and Sf,) lby K. Farranoe a/k/a Shelby A SCHEDULE 0:' DISTRIBU'.l'ION,: :J '.l list of t.he persons and/or gov,)t'nmenta1 01; ,'lITorat(e entitle:,. )l' agencies being entitled to rec,~ i ve part c:" ~ h-.~ proceed8~;f "_' h'_:1 sale received and to be disklrsed by the '>"dff (for example, to banks that hold mortgages and municipaliti3s that are owed caxes) will be filed by tl1e SheL'iff of thi. CYlnty thirty ,j days after the sale and disl'dbution of h, proceeds '. 11" in accordance with this sclkJule will, (,ct, be mael~ ,:0:10'1 someone objects by filing exc,'.')tions to it :1, ;li.n ten (10 J of t.he date it is filed. Informatior: t l:he Scheel,I;,. (Dist.ribution may be obt.ained froll! the Sheriff ',f the Court of CO::::!lon Pleas of the wit.hin Coullt.y at the Courthous~ address specifi8d h"rein. THIS PAPER.._IS_A NOTICE Q.E.... TH~ ,TIME AND PLACE OF THE SALE OF YOUR PROPERTY...... IT HAS BEEN::SSUED, BECAUSE Tnn,E IS A JUDGMENT AGAINST YOU. .IT MAY CAUS;;; YOlliLPROPE~TY TQ..3:i: HELD, TO BE SOLD OR TAKEN TO g~THE JUDGMENT. You may hav leqal right.s to F ',vent your property from being taken away. A l~wYQr can advise ,::JU more specifically of these rights. If yo: wLsh to exercL:: your rights, YOU MUST ACT PROMPTLY. YOU SHOULD TJ\KE THIS PAPER TO YOUR LAWYER AT ONCE, GO TO OR TELEPHONE THE OFFICE SET FORTH BEI.Ctl TO FIND OUT WHERE YOU CAN GET rREE LEGAL ADVIC~: C".:"lbel.'land County fL:: Association 2 ~iberty Avenue Lie'lisle, Pennsylva:'.la 17013 Phone (717) 24~"3166 THE LEGAL RIJHTS YOU MAY HAVE .\REI 1. You may 'il," a petition ',oi: the \vi thin COLIn!:' to open the j wi: def,"n',6 against .:-,' person or '. .. against you. Yc. ma/ also file a~ you are aware of ~ l~gal defect i~ ',;1 the Court of Common Pleas of '"nt if you have a meritorious ,ny t.hat has entered judgment ;tition with the same Court if :::e obligation or the procedure COLUMBIA NATIONAL, INCORPORATED, Plaintiff IN THE: COUR'!' OF' COMMON PLEAS CUMBERl,AND cot/wry, PENNSYINANIA va. NO. 1J'11()~ ('t:"i,r 7:/,,~ i.fOHN B. FAR RANCE AND SHEI,BY K. F~RRANCE, AI KIA SHE:LBY FARRANCE: CIVIL Ac'rION .. I,AW "" IN MORTGAGE POI~E:CLOSURE Defendants 1'HIS LAW FIRM IS A DEBT COL,I.ECTOR AND WE ARE ATTEMPTING 1'0 COLI,ECT ^ DEBT OWED '1'0 OUR CLIENT. ANY INI<'ORMA'I'ION OBTAINED FROM YOU WILL, BE: USED FOR THE PURPOSE OF' COLLECTING TilE DEBT. l:UL1:...r. C E You have been sued in court. If you wieh to defend against the claims set forth in the following pages, you must. take action w.ir"hin twenty (20) days after t:he Complaint and notice are served, by entering a writt:en appearance personally or by attorney and filing in writ:ing with the court: your defenses or objections to the claims set f,)rth agaInst you. You are warned thar if you fail to do so th" case may proceed without you and a jUdgment may be entered against you by the Court without further notice for any money Claimed in the Complaint or for any other claim or relief requeAted by the Plalntif f. You may lose money or Pl"opert:y or ot:her rights important to you. YOU SHOULD 1'AKE THIS PAPER 1'0 YOUR LAWYE:R A1' ONCE. IF YOU 00 NOT HAVE A LAWn1R OR CANNOT AFFORD ONE, GO TO OR TELF:PHONE 1'm1 OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HEI,P. Cumberland County Bar Association 2 Idberty Ave. I Ca:.disle, PA 17013 717-249-3166 Legal Services, Inc. 8 Irvine Row, Carlisle, PA 17013 717-243-9400 AVISO LE HAN OEMANOADO A US1'ED EN LA CORTE. SI DESEA DEFENDERSE CONTRA LAS QUEJAS PERESEN1'ADAS, ES ABSOLUTAMEWfE NECESSARIO QUE USTED RESPONDII DENTRO DE 20 DIM DESPUES DE SER SERVIOO CON ES1'1I DEMANDII Y AVISO. PARA DEFENDERSE ES NECESSARIO QUE USTED, 0 SU ABOGADO, REGIS1'RE CON LA CORTE EN FORMA ESCR1TA, EL PUNTO DE VISTA DE USTED Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA. RECUERDE: SI USTED NO REPONDE A ESTA OEMANDA, SE PUEDE PROSEGUIR CON EL PROCESO SIN SU PARTICIPACION. ENTONCES, LA COUTE PUEDE, SIN NO'l'IFICARIO, DECIDIR A FAVOR DEI, DE:MANDANTE Y REQUERlRA QUE USTEO CUMPI,A CON TODAS LAS PROV1SIONES DE ESTA DEMANDA. POR RAZON DE ESA DECISION, ES POSSIBl,E QUE US TED PUEOA PERDER DINERO, PROPIEDAD U OTROS OERECHOS IMPORTANTES. Ll,EVE ESTA DEMANDA A UN ABOGAOO IMMEDIATAMEN1'E. SI NO CONOCE II UN ABOGADO, LLAME AL "LAWYER REFERENCE SERVICE" (SERVICIO OE REFERENCIA DE ABOGADOS), 215-238..6300. Cumberland County Bar Association 2 Liberty Ave., Carlisle, PA 17013 717-249-3166 Legal SerVices, Inc. 8 Irvine Row, Carlisle, PA 17013 717:"'243-9400 COIJUMBIA NA'rlONAL, I NCORPORA'rED, I IN THE COURT OF COMMON Pl,EAS CUMBERLAND COUNTY, PE:NNSYlNANIA Plaintif'f VEl. NO, 'lJ' i'/o'l ('It.,.! It".__ JOHN B. FAR RANCE AND SHELBY K, FARRANCE, A/K/A SHELBY FARRANCE CIVIL ACTION - LAW _ IN MOR1'OAGE FORE:CWBURE Defendants C 0 M P L A I N ~ 1. Plaintiff, COLUMBIA NATIONAL, INCORPORATED, is a Maryland Corporation, with an address of 7142 Columbia Gateway Drive, Columbia, Maryland, 21046-2132. 2. Defendant., JOHN B. FARRANCE, is an adult. individual whose last known address is 19 PARADISE DRIVE, CARLISLE, PENNSYLVANIA 17013. Defendant, SHEI,BY K. FARRANCE, AI KIA SHELBY FARRANCE, is an adult individual whose last. known address is 19 PARADISE DRIVE, CARLISLE, PENNSYLVANIA 17013. 3, On or about February 28, 1996, the said Defendants executed and delivered a Mortgage Note in the sum of $86,000.00 payable to COIJUMBIA NATIONAL, INCORPORATED, which Note is attached hereto and marked Exhibit "A". 4. Contemporaneously with and at the ti.me of the execution of the afor'esaid Mortgage Note, in order to secure payment of the same, Defendants made, executed, and delivered to original Mortgagee, a certain real estate Mortgage which is recorded in the Recorder of Deeds Office of the within County and Commonwealth in Mortgage Book 1305, Page 445, on February 29, 1996, conveying to original Mortgagee the subject premises. Said Mortgage is incorporated herein by reference. , \ "f1'. ,.I 5. 'rhe land subject, to the Mort.gage is: 1.9 PARADISE DRIVE, CARLISLE, PENNSYINANIJ\ 1.7013 and is more particularly described in Exhibit "B" attached hereto, 6. The said Defendant.s are the real owners of the land aubject to the Mort.gage. 7, The Mort.gage is in default. due to the fact that Mortgagors have failed to pay the installment due on October 1., 1997 and all subsequent installments thereon, and the following amounts are due on the Mortgage: (a) Unpaid principal balance $ 8'4,747,09 (b) Interest at $17.70 per day from 10/1./97 to 611198 (based on contract rate of 7,625%') 4.,301,10 (0) Accumulated l,ate Charges 152.20 (d) Late charges at $30.44 per month for 9 months 273.96 (e) Escrow Deficit 165.22 (f) 5%' Attorney's Commission 4,237.35 $ 93,876.92 *Together with interest at the per diem rate noted in (b) above after June 1, 1998 and other charges and COElts to date of Sheriff's Sale. 1'he attorney's fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and will be collected in the event of a third party purchaser at Sheriff's Sale. If the Mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged that are actually incurred by Plaintiff. 8. No judgment has been entered upon said Mortgage in any jurisdiction. 9. Notice of intention to foreclose <lnd accelerate the loan balance pUrsuftnt to Pennsylvania Act No. 6 of 1974 is not required in that t.he original principal balance exceeds $50,000.00, 10. Defendant:FJ are not members of the Armed Forces of the Uni ted States of America, nor engaged in any way which would bring them within the Soldiers and Sailors Relief Act of 1940, as amended, 11. Plaintiff has complied with the procedures required by Pennsylvania Act 91 of 1983 (Homeowners' Emergency Mortgage Assistance Payments Program) and Defendants have either failed to meet the time limitations as set forth therein or have b8en determined by the Housing Finance Agency not to qualify for assistance. WHEREFORE, Plaintiff demands judgment in mortgage foreclosure "IN REM" for the aforementioned total amount due together with interest at the rate of 7.625% ($17.70 per diem), together with other charges and costs including escrow advances incidental thereto to the date of Sheriff's Sale and for foreclosure and sale of the property within described. BYPU~~ ~ Leon P. Ha let Attorney for Plaintiff I,D. #15700 1719 N. Front Street HarriSburg, Pa. 17102 (717) 234-4178 NOTI~ FEORUARV 28.1998 SHlnEMANSlOWN in;,; P&NNSVLVAN IA "",.., "".,,, I'fll" 19 PARAD I Sf DR. CARLI 81.[, PENNSVI. VAN I A no 13 , , , , , , . , . . , . . , , . , . . . . . , , . , . , , . . . . . , ,'rl:,.;,i, ~';"';"I' . , , . , , , . , , , , '''''''''''''"", I. BORMOWt:R'H PMOMlHI: TO JA V In I~lllf" fnr. Itllllllhllll hllVl'I,flCtllvllll.IIII\IIIlIMlIII ,laY 1I,~ ,.. ~........... .. . .. ...... ~JlfIRll'IMlI.), I'lulI Intef!!"', In tho f1UIIl, tlr 1M 1.l!lldtr. 11111 Lt'IItI!!, I.' ~!lbm I ^ ^ 0 lllndelllllllllllhlll tllll lA'nd"'IllIY Ill"''''!!' 1M. Nulf', 'lhl! I.('flllcr ur ""YUill! who 11lkt'1IIhl. Nulll hy Irllll.~(t" .ncl wllnl, l.'lllilll.'d In'l'cclvl\ Ilo.1Y"'I!III~ untler Ihl, Note lot c.llI-lllh6 "Nute flCllcltl,' 1.IN1'UI:H'I' inltltM will tltllYhlllRt'11 un ullr.itl prltH:lllltlllnlU Ihn (UIlIUI\nlllll or 11flndlllll hll~ ht'tn I'alll I wlllllftY InlNl'~1 '" a YCluly '''Ill Ilf "'::.:.:L!Jlli% 'lhlllnll'frq IlItt! '''Ilulll'd hy Illl. Stcliull 2 I!llhe IIlh' I Wtllll~y tll.lth hduro Ilntlltflrr IIny cldnullIlr.wrlhctlIn St'~1I111111(1l) IIf Ihl,~ NUll!, J. 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Ihlln: (I) Ilny ~Ilt'h luan ch"rlte ~h.1l he rtducl'd hy t111l amullnt ntcl'!l'lHry III rl'du~o thl' eh.rltClln lhe rermUletlllmll; ItIlll (II) any i'lUm~ alfellly cnlleClrd rrum mil whltlh 1l1eee(kd pctmluccl Umll. wlllllt! Illrunllclllo ml'. Thl! Hille Hlllder mlly chlltlllC III hi.ko Ihl" rerlUllllly ft'dllctng Ihlll"lntllJlllII owe tinder Ihli'l Nllte Ilr by makln8 II dlrt'clllltymenllu lIle. H. refund reduce,1 (l,IIlGjpal, Ih~ ,educlHlI\ wllllllllre.lrd &.. I ~fli"llm~flI'ymlllll ,. BOUOWt:H'S I'AIUIRI: 1'0 PA V AS Mf,I!IIIRI:II fA) 1,lle (~harAC! 'nrOnrdUf P.,mnl" If Ihl! NIl(1l 1It1k1er hll.. nol reclllvr.d 1M rull ameumlur InJ'ltIof\lhly llRymenl hy Ul" end uf F I F TEElL calendar dlY!lllrlcr Iht, daltl II l'l tlUll, I wUl r-y. lale eharllt' In the Nule IInklf'r, '(lit' 1II11111l1l1llf IllI! ch"r,e wlllllt! _ 6'K- nf my llveldull ",'ymf'nlllrprhwlltal.nd Inlere~I.1 will r-y Ihli'llale ehltllle tlfl'lnlptly hill nnly once 1111 tl.eh Ille JlIIym~nl. lU)l~tllllt Ir I eln nnl fmy the fullamolllll nf eac;h munlhly IlRymt'nlnn Ihl' (Ial/~ It I." lIut, I will Il(' ill dt'raull. ((~) Nnlk.. II' Ul'flnlt If lam In t1nr"ull, Ihe NIl'llllukler mllY ~nll me 11 writ/en Mllee h1llhlM me Ihllllr I tin IIl1t ray IhtluVllldlle Ilhltlllnl hy a cefllllll Illllll, Ihe NlIlllllulch.., 1Il/1Y ft!llulm mil III pay Immcdilltl"ly Ihl! filII 1111101"'1 uf IlrlncllWlI whlch h"" nlll hern fl.lkllnd .lIlhe Inl..,r.lIIlhatl nwCl nn thaI Amnun!. Thlllltttt. "'"M he IlllelL"l JO dllY~ die, Ihl' dillt! nn whk:h Ihe IlUIk:l! 1,,, dllllvC!rl'cl (If II1llllellln me. (U) No Wllver By Nale lIoklu Byen 11". II . Utnt. whIm I 1m III dllrlult, the Nolll Unliler dOt'l'IlIlIt .etl"lte flit. In IllY hl1lnttlilltely I" full I., lle'-CfllletllhnVll. UK! NUll! UlIllle, wlllllUII h,ve!!he rllthllulIll~IIl' lam In derAUIII' n ';tIN lime. (t:) raY"!I'"t lit Nole Iluldfr'. COIItll and t:.JlC!nwlI lfllwl Nule IllIllk!r hMreltulrl't1me In pa)' IfllmtdiAlely In rull "''' t1ei'loC.lhed.hO\le,the Null! Holel!!r will h.ve 1M rl,htlo hi> Pftld twlllltby lIle rur "II nf II" ~(Vll.. Ilnd UJltIL'Iol'1I In ellfurcll1M Ihlll Nn.r. 10 tho ulrnl nll( flltlhlhlle!d hy IPI,lItJ.hlr law. llKJtIIC OAJltI\.WIl lncltkle, rUf t.Al1m(lll', u'll.~mllhk!llll11rn(!y~' rrell. ~U'I,l'lf"'Al't: "HU:O RAn: NOTF. ' Slnl~ P.mll~ .rNr.tA(llHlJ.fC IJNlt'OaM INIiTlI!MKN1' ""''' FNS 1 02/26/96 r'M' I "n 5 : 24 PM Exhl b',t 'I A II "Dr",JJ"U~J 02343155 e N ~ '~ :I" "" H)m ,.. ~ ""0 ffi~ oI'!_..1 ::0 .~S "' I :s~ (-5J.< Ul b ""-01 r-'''c' -~~) ~".1 -0 ;I--j ,ll'o(,) ::r.: 0"' ~C:, 0;"8 c: - ' t"i '''1 !3jj .. ::C. (..) ':0 Ul ~ I '~ 'W