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FEDERMAN AND PHELAN
By: FRANK FEDERMAN, ESQUIRE
IDENTIFICATION NO. 12248
TWO PENN CENTER PLAZA, SUITE 900
PHILADELPHIA, PA 19102
(215) 563-7000
ATTORNEY FOR PLAINTIFF
COURT OF COMMON PLEAS
CIVIL DIVISION
CHASE MORTGAGE SERVICES, INC.,
(F/K/A CHASE MANHATTAN MORTGAGE CORPORATION,
F/K/A CHASE HOME MORTGAGE CORPORATION)
3415 VISION DRIVE
COLUMBUS, OH 43219-6009
Plaintiff
TERM
NO. 11'" Jb3~ ~~,
v.
CUMBERLAND COUNTY
JEFFREY L. FRYMOYER
312 PINEWOOD DRIVE
SHREMANSTOWN, PA 17011
Defendant(s)
CIVIL ACTION - LAW
MORTGAGE FORECLOSURE
NOTICE
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
You have been sued in Court. If you wish to defend against the
claims set forth in the following pages, you must take action
within twenty (20) days after this Complaint and Notice are
served, by entering a written appearance personally or by
attorney and filing in writing with the court your defenses 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 TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY Beur A 550:: ~C/.":l ('1)1
COUtu. J-\U!'I.LI'4.L.::>J.J...A'FOR d....... I. (uti\{ -1lC
.4Tlll"LOO!1. N
ctJrmlJRLA,w ...vUN l' COURTI!I"\Tf.,"'E
CARLISLE, PA 17013 f
(717) 246 u~uu= cLJ-f-tj>j (G0
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6. The following amounts are due on the mortgage:
Principal Balance
Interest
2/1/98 through 6/1/98
(Per Diem $11.36)
Attorney's Fees
Cumulative Late Charges
5/22/86 to 6/1/98
Cost of Suit and Title Search
Subtotal
$42,021.50
1,398.34
800.00
63.12
550.00
44,832.96
Escrow
Credit
Deficit
429.82
0.00
(429.82)
Subtotal
TOTAL
$44,403.14
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7. 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.
8. Notice of Intention to Foreclose has been sent to
Defendant(s) by Certified Mail, as required by Act 6 of 1974
of the Commonwealth of Pennsylvania on the daters) set forth
in the true and correct copy(s) of such notice(s) attached
hereto as Exhibit "A."
9. This action does not come under Act 91 of 1983 because the
mortgaged premises is not the principal residence of the
defendant(s).
10. Pursuant to the Fair Debt Collection Practices Act, 15
U.S.C. 5 1692 et seq. (1977), Defendant(s) may dispute
the validity of the debt or any portion thereof. If
Defendant(s) do so in writing within thirty (30) days
of receipt of this pleading, Counsel for Plaintiff will
obtain and provide Defendant(s) with written
verification thereof; otherwise, the debt will be
assumed to be valid. Likewise, if requested within
thirty (30) days of receipt of this pleading, Counsel
for Plaintiff will send Defendant(s) the name and
address of the original creditor if different from
above.
WHEREFORE, PLAINTIFF demands an in rem JUdgment against the
Defendant(s) in the sum of $44,403.14, together with interest
from 6/1/98 at the rate of $11.36 per diem to the date of
Judgment, and other costs and charges collectible under the
mortgage and for the foreclosure and sale of the mortgaged
property. ~W~
/s/ Frank Federman
FRANK FEDERMAN, ESQUIRE
Attorney for Plaintiff
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LOAN #3097465959
r
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ctuise Manhattan Mortgage Corporation
3415 Vision Drive
Columbus, OH 43219-6009
1-800-848.9380 Collections
1-800-582-0542 TDDfTeid Telephone
o CHASE
JEFFREY L FRYMOYER
97 QUEEN AVE
ENOLA PA 17025
CERTIFICATE OF MAILING
05/05/98
RE: LOAN #3097465959
"NOTICE OF INTENTION TO FORECLOSE MORTGAGE'.
The MORTGAGE held by FEDERAL NATIONAL MORTGAGE ASSOCIATION (hereinafter we. us.
or ours) on your property located at 97 QUEEN AVE. ENOLA PA 17025 IS IN SERIOUS
DEFAULT because gou have not made the monthlg pagments oE $548.29 Eor the months
oE .
Late and other charges have also accrued to this date and equate to $49.92. The
total amount now required to cure this default. or in other words. get caught up
on your payments. as of the date of this letter is $1.657.77.
You mag cure this deEault within THIRTY DAYS (30) oE the date oE this letter, bg
paging to us $1,657.77, plus ang additional monthlg pagments and late charges
which mag Eall due during this period. Payment must be made either by cashier's
check. certified check. or money order. and sent to PO Box 349006. Columbus. OH
43234-9006. .
If you do not cure the defauliwithin THIRTY (30) DAYS. we intend to exercise
our right to accelerate the mortgage pagments. This means that whatever is
owing on the original amount borrowed will be considered due immediately and you
may lose the chance to payoff the original mortgage in monthly installments.
If full payment of the amount of the default is not made within THIRTY (30)
DAYS. we also intend to instruct our attornegs to start a lawsuit to Eoreclose
gour mortgaged propertg. IE the mortgage is Eoreclosed, gour mortgaged propertg
will be sold bg the SheriEE to pag oEE the mortgage debt. If we refer your case
to our attorneys. but you cure the default before they begin legal proceedings
against you. you will still have to pay the reasonable attorney's fees actually
incurred. up to $50.00. Any attorney's fees will be added to whatever you owe
us. which may also include our reasonable costs. IE gou cure the deEault within
the thirtg dag period, gou will not be required to pag attorneg's Eees.
We may also sue you personally for the unpaid principal balance and all other
sums due under the mortgage. If you have not cured the default within the
thirty day period and foreclosure proceedings have begun. gou still have the
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EXHIB\T A
~, CHASE
'"
c;;a~e Manhattan Mortgage Corporation
3415 Vision Drive
Columbus, OH 43219-6009
1-800-846-9380 Collections
1.800.582-0542 TDDfText Telephone
JEFFREY'L FRYMOYER
312 PINEWOOD DRIVE
SHIREMANSTOWN PA 17011
CERTlFICA TE OF MAILING
05/05/98
RE: LOAN #3097465959
"NOTICE OF INTENTION TO FORECLOSE MORTGAGE"
The MORTGAGE held by FEDERAL NATIONAL MORTGAGE ASSOCIATION (hereinafter we. us.
or ours) on your property located at 97 QUEEN AVE. ENOLA PA 17025 IS IN SERIOUS
DEFAULT because gou have not made the monthlg pagments of $548.29 for the months
of .
Late and other charges have also accrued to this date and equate to $49.92. The
total amount now required to cure this defaUlt. or in other words. get caught up
on your payments. as of the date of this letter is $1.657.77.
You mag cure this default within THIRTY DAYS (30) of the date of this letter, bg
paging to us $1,657.77, plus ang additional monthlg payments and late Charges
which mag fall due during this period. Payment must be made either by cashier's
check. certified check. or money order. and sen't to PO Box 349006. Columbus. OH
43234-9006.
If you do not cure the default within THIRTY (30) DAYS. we intend to exercise
our right to accelerate the mortgage pagments. This means that whatever is
owing on the original amount borrowed will be considered due immediately and you
may lose the chance to payoff the original mortgage in monthly installments.
If full payment of the amount of the default is not made within THIRTY (30)
DAYS, we also intend to instruct Our attorneys to start a lawsuit to foreClose
gour mortgaged propertg. If the mortgage is foreClosed, gour mortgaged propertg
will be sold bg the Sheriff to pag off the mortgage debt. If we refer your case
to OUr attorneys. but you cure the default 'before they begin legal proceedings
against you, you will still have to pay ,the reasonable attorney's fees actually
incurred. up to $50.00. Any attorney's fees will be added to whatever you owe
us, which may also include Our reasonable costs. 'If gou cure the default within
the thirtg dag period, gOU will not be required topag attorneg's fees.
We may also sue you personally for the unpaid principal balance and all other
sums due under the mortgage. If you have not cured the default within the
thirty day period and foreclosure proceedings have begun, gOU still have the
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C\'Clt Ii, dol iJ. lllllt: Wilen .l i..Im In uc,aUH rne NO( ~
,?"~b"V~,,,lhe_~r...,.u~..,.. ..,,, ' , . , e HOloer Ooes not reqUire me to pay ImmedIate!
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JEFFREY.L E'RYMOYER
05/05/98
Page 2 ,
right to cure the default and prevent the sale at ang time up to one hour before
the Sheriff's foreclosure sale. yOU mag do so bg paging the total amount of the
unpaid monthlg pagments plus ang late or other charges then due, as well as the
reasonable attorneg's fees and costs connected with the foreclosure sale (and
perform ang other requirements under the mortgage).
It is estimated that the earliest date that such a Sheriff's sale could be held
would be approximately six (6) months from the date of this letter. A notice of
the date of the Sheriff's sale will be sent to you before the sale. Of course.
the amount needed to cure the default will increase the longer you wait. You
may find out at any time exactly what the required payment will be by calling us
at 1-800-848-9380. This payment must be by cashier's check. certified check, or
money order. and made payable to us at PO Box 349006, Columbus. OH 43234-9006.
You should realize that a Sheriff's sale will end your ownership of the
mortgaged property and your right to remain in it. If you continue to live in
the property after the Sheriff's sale. a lawsuit could be started to evict you.
You have additional rights to help protect your interest in the property. YOU
HAVE THE RIGIIT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE
DEBT. OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
[YOU MAY HAVE THE RIGH'l' TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE
TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL
THE OUTSTANDING PAYMENTS. CHARGES. AND A'ITORNEY' S FEES AND COSTS ARE PAID PRIOR
TO OR AT THE SALE (AND THAT THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE
SATISFIED). CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGIIT MIGIIT
EXIST]. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING
ON YOUR BEHALF.
YOU HAVE THE RIGIIT TO REINSTATE AFTER ACCELERATION AND THE RIGIIT TO ASSERT IN
THE FORECLOSURE PROCEEDING THE NON-EXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE
YOU MAY HAVE TO ACCELERATION AND FORECLOSURE.
If gou cure the default, the mortgage will be restored to the same position as
if no default had occurred. However. you are not entitled to this right to cure
your default more than three times in any calendar year.
Chase Manhattan Mortgage Corporation is attempting to collect a debt and any
information obtained will be used for that purpose.
FEDERAL NATIONAL MORTGAGE ASSOCIATION by
CHASE MANHA'ITAN MORTGAGE CORPORATION. AGENT
~~~
Robert Story
Loan Counselor
Default Loan Servicing Department
2XH1BI'T A
173A.l ( 73L)/485
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Premises:
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97: Qu~en venue
;E~ola ,! PA 17025
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VERIFICATION
TIMIKA LEWIS
hereby states that he/she is
/J.:sl$fal1t Secre.ft'd,'1 of C)lCJje. f\1(){lAa !Ian f~\--~jO,-~e Grf
mcrtgage servicing agent for Plaintiff in this matter, that he/she
is authorized to take this Verificaticn, and that the statements
made in the foregoing civil Action in Mortgage Foreclosure are true
and correct to the best of his/her knowledge, information and
belief. The undersigned understands that this statement is made
subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to
unsworn falsification to authorities.
U ( rYe L [tl}-/:1LU~iU~
DATE:
~-22-9'!
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