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Home My WebLink About98-06122 ~ ~ .~ :41 ~ i , . I d B Ii ~ ~ , \. I~ I I I~ "S i{: I . I ~ i'-.J I , i I I I I I I , I i I i I I I I I '( : '>.. i~ ! , I ....... , . , ~ I _~ ... <::J '"'J '" "'- --..9 ~l , , , , 2,286.00 65.82 (" ;l 1,1 ( I. 6, The following amounts are due on the mortgage: Principal Oillilncc Interest 5/1/98 through 10/1/98 (Per Diem $10.18) Attorney's Fees Cumulative Late Charges 8/23/85 to 10/1/98 Cost of Suit and Title Search $45,733.% 1,557.'J~ ;;50.00 Subtotal 50,193.32 t. Escro~1 Credit Derici t 0.00 187.91 Subtotal 187.91 TOTAL $50,381. 23 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. This action does not come under Act 6 of 1974 because the original mortgage amount exceeds $50,000.00. 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 FiliI' IJt'lJt collt'ction I'rilcti<:ps A<:t, 1~ U.S,C. !l 1692 et seq. (19'17). lJefendant(s) milY dispute the validity of the debt or ilny portion thereof. If Defendant(s) do so in writing within thirty (3D) days of receipt of this pleading, Counsel for Plaintiff will obtain and provide Defendilnt(s) with written verification thereat; otherwise, the debt will be assumed to be valid. Likewise, if requested within thirty (3D) days of receipt of this pleading, Counsel for Plaintiff will send Defendilnt(s) the name ilnd address of the original <:reditor if different from above. WHEREFORE, PLAINTIFF demands an ~Q rem Judgment against the Defendant(s) in the sum of $50,381,23, together with interest from 10/1/98 at the rate of $10.18 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. ;;~:r~ /s/ Frank Federman FRANK FEDERMAN, ESQUIRE Attorney for Plaintiff , ,-. ,~~-" '", ,!:l:~ CITlGORP.<i.. ---;_=~_=a'_~=~~'=~"" '__":.~. . .... io".,.itt!I'. . . I -~.. COLIn t1u: t-1orl<:Jc1'J':'': ; Od l'.,_~: .1.\ P 1 111\'~ r I I C,IIllP 11111, 1'/\ 00(1';'; 1 ~ ! d"Lj C .N. I 08/0\, ~JU RE: Pt"(Jp'.!rty: Tu: ,Jullll " E, 'r: , 1 : , ::.j 1 ,. ........ C-\ll\p !Ii 1 I I'i, i" : : .I" , IL./i'; ,.t:: \Ii: I:/':'~::;':': J:: ':'J Fi_;ln':CLl;:~E :.~, ,1,':.;;,_;;,; uud..:: :.;" '~lU; .1) 1, .d: P,\ ;\,:t ."1 l,.::f l'r:.l (HEi,[) I~d<:~ P!\I;t..:~ (~F 'I'll!:; rlUi'I'_'E C.\i'!:':F1H.::n CiciC01"P t-IOL.tgage, Inc. i~ r-r:)'IlJlllcj Lb.::..; !lu~l'-": d~ L':lld,_~J.: '..>1 servicing agent fOL- th,~ Lt!Ild.....:l-. 'i'h.-.:- !'~(':"I(r ;;\,jE held bi' eb.: dl;.y/.: :1.11,": MORTGAGEE (h'..:t-eiIlaEtcL- w~.:, U.::.i, CL (.,lJ~.;,! ;.:.;; j-'Qlll- prop'..::.'ti' III"Jtyd <It,,\'/ under RE:, IS IN DEFAULT bt..'C~ltl:;.~ 1'0\1 11.1.':.: nut !Iud~ t!l.,~ !Il011t:lll'/ payments au noted b~lo'.... under' (o) Pl.'-"~'J.:.....::tlS L.it!! ch~'l!"'J'~.:] \IJld'~l' O)}, It any, have also accrued to thi~ d~lt~, TilE TOTAl. N.l0mlT tlO\'l REQUU<ED '{'U CURE THIS DEF^ULT IS $1,';1'3.60, I~lCLtJIJr:l"; ~1~,<JO ltl L/d'E CiV,RGE::; J~..; NOTED BELOW UNDER Ie), (al 06/01/98 tliru OU/Ol/98 ,Y ~S'::h. S!U 'lI\'::>lIl!l ~ ~ ~li.:i..i':i,/Lll~~ Cktt'iJ.-'!/lllC>lltll ~ I,'; 1 J. flU ~O.OO (bl Previous late charge(u) (cl TOTP>.L N40UNT (al t (bl REQUIRED 1\:J OF TII1~ DATE: :;l,Gl3.60 You may cure this default by 09/02/98 (or' th~ next bU,;jin(::~:; ddY thereafter if 09/0:/98 i:; a Saturday. Stl:1day, or FeueL'a.1 110tid~\y) bi' paying to us the amount under (el abG'/e. J'-ulY additional p~lYlllent:; dnd late charges that fall due during thi:; period must also be p~lid 1.:0 bring your loan current, Such paYTnent lTIll$t be mcl.de either by C;"'~;II, CASHIER'S CHECK, CERTIFIED CHECK, OR NOtlEY ORDER mad02 pJ.y,]bl~ tl" Citicorp t-tortgage, Inc., 15851 Clayton Roa.d, Ballwin, t-li.s::3ouri 63011. If you do not cure the d~fault by 09/02/99, we int8Ild to ~xercis02 our right to accelerate th~ mortgage payments. This m8allS tbat whatt::ver is owed on the original mortgage amount borrowed will b~ consideL"ed due immediately, and you may lose the clwnce to payoff th<:: original mortgage in monthly installments, If [u11 payment of the amount of the default is not made by 09/0~/98, '.....:.; also intc:nd to instruct OUt attorneys to start a la'....suit to foreclo:Je your mortgaged propel't''1. If the rnor:tgage is fOl:eclosed, your l1\Ort~~I'J~": propt::rty will uQ sold by the Sheriff to payoff the llIortgago:: d<2bt. If '.....3 refer YOllL' CdS':: to our attorneys, but '101..1 Cl..lre the default before they begin 1eg<)1 proceedings against you, you will still have to pay the reasonable attorney's fees actltally incurred up to $50.00. ~XHaBIT A , " ,',. ,-.....~ :..:,;, ',,"". rom~jORP~ , "..' . .\,;1, ~ ~. _ '. ',.' . . ......04.-J,~~............-....,l'.... ,~....."" ,..' .~.... ......,................. ,. I..~"' .. ........... ". ~-~~...~-~~_.. . . HE: Prop'~rt./; .1,1 {',lllll"l lJt ( .. IItl( Jill I I, l'! ~ LOdfl tl,,' IllJ'I.:l', l'!')-} fol(J! tq.-I'J"": C. f.1 1. [J'lt..~; OH 'U!,"Jtl Tii; :~ I L;. III I~, I 'I : ~.1 \ r, !. 1 II C C..lIl() Hll J E :L I. ~: ,.,,111 ;;1. p;\ ,',J 1 t JtJ\ NOTICE OF I:1TE:r:-I~):j TU FORECLO~(~ H(.,!<'I\ji\(jE lI11d'-.:1" ~..:,~t:Oll .jl}} uf p,:", A'_:L Ilo, ') or ]')'''.i. (kEt\O rd.!. P;...(;E~~ (jF '~'!irs nOTICE Ct\I{:~FULL'{) . I' EXH.lBIT A Citicorp t'tor.t9it9~, Inc. is pl'0':iJll~'J t.hlS rWLic~ <IS Lt~IlJ..:r 01- ner'licing .J.gent for the Lc:nd8r. The !.:CRTG;\GE h121d by th..: t.iLovt;: n~1111r~ MORTG/t.GEE (ht.:r~inaftJ~r w.~, \1:;, 0l' out.;..;) on '/OUl' pl:Opel-ty llut.:;d dbo'/>.:: under RE:, IS HI DEFl\ULT b~CClU~',: 'r'Ol! ha':..: not~ nldde th~ mOllthi,! paYTlIents as nolo;;:d below \1l1d~r {J.}. Pl".:'/ious L.1tC chdr'Je:j unLl..:r (bl, d, any, have also accrued to thi:j d..lte. THE TOTAL At-10UnT NOH REQUIl{!~:D TO CURE THIS DEFAULT IS $L,013.60, 1tICLUDUIG $1~.~O IU [,;.,'1'E CIl;\RGES [S NOTED BELOW UlIDER Ie), la) 06/01/98 th<u 08/01/~B 3 :;;526. 90/:!\ontb : '4 $1.6..1S/Llt.~ Chd:'-'Y~/lIlonth :;; 1, rj 13.60 :;;0.00 (b) Previous late char9'~(s) lei TOTAL AMOUlIT (a) .Ibl REQUIREO AS OF THIS DATE, $1,613.60 You may cure tllis default by 09/0:/98 (Ol the next bllsinesD day thereafter if 09/02/98 is a Satul-day, Sunday, or Fede:t'al !loliday) by paying to us the amount under (c) above" Any additional pa'!ment.:; and lute charges that f,;-lll due during this period tnuzt also be paid to bring YOU1" loan current, Such payment must be made either by CASH, CASHIER'S CHECK, CERTIFIED CHECK, OR Hot'IEY ORDER mad~ payabh: to Citicorp Mortgage, Inc" 15851 Clayton Road, BalLwirl, Missouri 63011. IE you do not cure the default by 09/02/98, we intend to e:<ercis~ our right to accelerate the mortgage p.::lyments. This means that whatevt:::r is owed on the original mortgage amount borrowed will be considered due immediately, and you may loze the chance to payoff the ol:"iginal mortgage in monthly inztallments. If full payment of the amount of the default is not made by 09/0::;/38, 'de also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged pl:"opet-ty. If the mOl-tgage is foreclost'Jd, your mortgage property will be sold by the Sheriff to payoff the mortgag-o; debt. If we. ref-=l' your case to OUI:" attorneys, but you cut:e the default b2fol"e they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees actually incurred IIp to $50.00. .' , -" '..... ':.~..::.:::, :~:._.."... '.' ! ", ~...i:::. CIJ'QQ~Pj).. ' -. . .. . . l.',J(J~ T....(~ nil ,'() \ / (-"I OI)U;:: h 1 'I ').j IlUW'~'/I.~l, It 1'~'J.il 1'1"'''''1:11'/:. II" "l~'" I'/Illl.;: ':.11, I....:, 1<,'/.- Lu pdj' t.h..: !'"',t:;'lldL:,. ,It', .'111"'," :. ..' :; II tl,.- 'J" ;"1\'1 dll0l'lll~'l'''' fv'~~ ',.,r111 },., I' .,- . ~ ',n: l~';':'~r j".l: "d'- "", ',,!.: ' <.11:';0 IllClude ou:.' l-'~,I:;dll,d 1,~ ....' ;,;,l.; ! t ,'.,.; "111'_' t ;l'~ ,k:.1 O~/O::/'Jd, y,Hl '....:.11 !lot b,~ 1':'iul~"_: ~, !. 1'/ ,t!t,')zn..",/'" :,." 1\1':::;0, w.~ 1l1.1'I Sill! 'lOll P'~l;:';ll,lll,/ t)1 th.: lllll',l:d !,ll:l"l!,,,; .t! I;; ,tn,{ <.111 othel" ~llll\:'; dtlt~ und,!l' th,~ lll',,:: J.l J' If '1011 ha'le nut CIIL-.~d Lh,~ tit:!.I\l::" L'! IJ'), 'J.>"Jd, I:ld l'Jl'~ 'l":;'lt.. pl'ocet~ding:; hd'/t: bt:tjllll, '/Oll '''11 ~ ;jL:: I h,l';': lh., L'llJht L l-'1l:'~: l~'.' default and prevent the ~<.dl! dl <.111,/ t 1111<~ up tv 011~ ih.dll h~:ul '..: lJ:.~ Sheriff's fUf'ecl0:.>un; ::;a1--::. '{;~11 :n,i'/ do ~;,) hI' pel/11l';) th-~ :'.;!t..ll ,1I1101111t. of th~ unp<.1iJ. monthly p,lyn\o"n!';i p~II:, c'lll:/ In.: c:l:,J~]'}:;, l:!;'Il'J'~,~ LIlt:" due, a:::; well <1::.; the l-~~H;onab1e dttorn~:'l':'; f':'~~J ~11Hl CU::.j'';;; ('.')l;n.;._;\."d with the foreclo~l1r~ ::;~lle (and 1:':1':';:-)1':1\ dll,/ 0tlkt t-'~qlll r'~IlI"llt.;j lllld~l. the mot'tgage). It i:J c:::;timdL,-:!'l trut lilt! e~ll'l i0:Jt~ d,lte tlLll ,_,lld1 a Sheriff':::; ::;,lle could be belli 'rl dJ Lt., ,'pp!-,-nilndt,_dy THP;.:r.: (1/ :.:c:n'jl:..; FROrll THE DATE OF TH r::; LETTER. A notice at the ddt,;; at the Sho.~r-lt~'~j :Jdl._~ 'dill L~ :'>:l:t: L;J /,c,\I lJ,~t0l.': the sale. Of cour::.;e, the a.1ll011llt neeut.:d to L:Ut-e the d'.:LwlL will increa:Je the longer you I,oldit. You md'j find out dt dllY tim.: e;':dct:ly what the required paYIlIt:!llt ...,ill be by culling us at the foll0.....ir~g number: 1-800-723-7906. Thi~ pt3YllIent must be in Cd:'>!:, c,L~;hi~r'~ check, certified check or money order dnd rn.:ide pay.:tble to ll~; at the address stated above. You should redlizt:! th.:tt il SheI:if::'s sJle 1,0;111 end yotlt' o'.mer~:;hip ot the mOl-tgaged property and your right to r:elll,,11Il ill it. It YUll continue to live in the property ,tEter the Sheriff'~ ~ale, a law:Jlllt could be started to evict you. You have additional rigllts to help prot~ct your interest ill tll~ property, YOU IlAVE TilE RIGHT TO SELL THE PROPEHTY TO OBTAIN ~IONEY TO PAY OFF TilE NORTGAGE DEBT, OR BORRO'~ ~IOtIEY FROl1 fetlOTIlER LEHDIIIG INSTITUTION TO PAY OFF THIS DEBT, YOU I.IAY HIIVE THE RIGHT TO SELL OR TRANSFER TUE PROPERTY SUBJECT TO THE f'.lORTGAGE TO A BUYER OR TRANSFEREE WHO .HLL ASSU/'1E THE l'IORTGAGE DEBT. PROVIDED TIlAT IILL OUTSTfetlDINC PAYNENTS, CHARGES, ATTOR~IEY' S FEES, fetID COSTS ARE P,~ID PRIOR TO, OR AT THE SALE (MID THI,T OTIlER REQUIREI'IENTS UNDER TilE NORTGI',GE ARE SATISFIEDI, CONTIICT US TO DETERIHNE UNDER \l1l!IT CIRCUIoISTANCES TIlIS RIGHT t-tIGHT EXIST. YOU HAVE THE RIGHT TO HAVE TillS DEF.I\ULT CURED BY A THIRD PARTY ACTING ON YOUR BEHALF, i.;:;;dI81T A I' ,I' J ' ~ '! '!lI' . .. ~ 1)lj /0 1/ 'JfJ o U U 2 I .) 1 ~j ';.1 UI~(h~l Il.'~ l'<:'J\j~,I: 1,_,11, .....,. '"' ,-.11 t UIIl1 III ,I',t /.. T~l': L I. l.".)II~<~qU',~IlL;'--=:; t,..) 's'OII (",l;,;'ll~ fUl'rher lllt01tlUt.i,)11. :'i 11,'/ t d" ';1111 1:1 .,111" :." :1 111 'I'.' !," .,1 '," 'J! I,', .It"- It YOu%. Lh;l%.nqUt~IlC'l 1:.3 <I t"':;1l\! "." ,.,< "t ,:\::[,),,';'11:' n: 111" I",. 'I l'educt.l0n III e1f\plo,/mt~llt l11l;,)l!;" 's'u: W.I/ L,. ,dl'Jlh!.. d 1l'.,1i1""'(ill<~I.Jlll!J cOlln~eling fl'om all'! ot th..! L"I":~,:l:"I;'_ _. :!;II:;ll:'J did [,It!.,!.. .1111<'1.1 J.pproved hornt-;o'''''n'Jr~!J.:.p Cvllll:Jt.:l.:.:;cj ,IJ"lk'..~:;. Pl.:,'.I.;'~ ,'.Ill t;~; It 1'800-7~]-7906 for inLnllldtio!: t-'!~Jd1'tlll:'1 t.lk !lUl, ,lpr'!'~'J'! I C' '\..1 .., agency nedrest you ':H,d/ot. to Jl:J'.:~l:;.J ll,.. l;ltClI:l:la'..III':';;_; ul \.11.: d.' with one of Ollt' LOJIl Coull:Jelot'~. 1::/ ttllt If you cure the dl::fault, tht.::! rn,jtt:J,I'J" wIll h,' J"<~:;:,,)t"c'~,! t) t;; position as if no default ha!; occllt':!.-.::d. !rU',.JC'/t!l-, 'lOll .'\1',: ll(Jl to this right to cur>: your dt~f..Hllt m()::<~ !.:!un tilt',:t! {)J Lllli':~'; calendar year. .;,1111',' '_~llt 1 L t t:d III .1:1'1 Sincerely, G~<.i I~U 4' Mark Pfotenhau~r Collection Manager Collection Departm~nt 98080300000~08 ALL THAT CERT,\1:1 tract or p.Hcf~l o! 1.1!\r1 ....:111 pn!H()V~r.H'nt!, t!}I,:,"po(1 I:'r~ctPd, situ.lte in LO\J,.r Alle~ Tnwn:.hip, Cut:lb"rl.lfl(~ CtllIfHY.P..nn....dv.Hll;I, bounded .,nd described in ']cCOtdJnc~ with ., 5I1T'J('Y ,lud plan th,':,,!o[ m.ld,. by Roy ~.H. B('nj.lmin, Professional En~ineet. dated J.lnuilry li, lQ,)Q, ,1'; tt>llow<;: BEGl~ml~IG at" point on th.. South..rly linl' 1)1 !'.11mt'r Dd'Jf', UI:C:' f'lJint i!; ni~ hl..lNlr~ ~ tivt:> (q()f)) fppf. \';,>.o;t of thp SOllthIoU'''!J'rl;, r:'HH'.':' of tlottinr,il,,;:: Ro"d and P.,lm~r Drive and ,ll dividing line between Lots :lo. 17 and 18, Block ~. on the hereinafter mentioned plan of lots; thence along saId dividing line South no (0) degrees fifty-six (561 minutes ~est one hundred fony-live (145) feet to a point; thence along the Northerly line 01 Lots No. 10 and 11, Block H on said pl.,n North eighty-nin~ (89) degrees four (04) minutc5 ~'est se'Jenty~ five (75) feet to a point at dividing line bet......een Lots No. 16 and 17, Block M, on 5:tid plan; thence along said dividing line ::orth no (0) degrees fiftY~5ix (5&) minutes East one hundred forty-five (145)feet to a point on the Southerly line of Palmer Drive aforesaid; thence along sa~e South eighty-nine (89) degrees four (04) cinutes East, seventy- five (75) feet to a point, the Place of BEGlllNlNG. BEING Lot No. 17. Block M on Plan of Country and Town Homes. Inc., which plan is recorded in the Office of the Recorder of Deeds in and for Cumberland County in Plan Book 7, page 41. HAVlNG THEREON ERgTED a one story lrame d~elling house known as No. 44 Palmer Dr ive . _ .___________.___ --~ --=-- BEING the same premises \Jhich Joseph Kowaleski, Jr. and Barbara A. Kowaleski,' his wife, by ri~d bearing even date herewith and intended to be forthwith recorded in the Office of the Recorder of Deeds in and for the Coun~y of Cumberland, aforesaid, granted and conveyed unto John A. EckrIch and Susan Wray Eckrich, his wife, in fee. EXHIBIT "A" -.--..--.--- , ,~(, (I~ ,. 1~1I11, i ij, j f,\[,[ ,_ d , VE!lI.!'JJ;l!'!'IQ~ SCO'l'T SCIIP.IN~:1l hereby states that he/she is Assistant Secretary or ci licorp Mortqaqe, Inc. mortgage servicing agent tor Plaintit! in this matter, that he/she is authorized to take this Verification, and that the statements made in the foregoing civil ~ction in Mortgage Foreclosure are true and correct to the best ot his/her knowledge, information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.B. Bee. 4904 relating to unsworn falsification to authorities. I:'r#;/~ I D~TE: 10/6/98 ",.,,~~; ~i',~r' ~~~",,":;,,:,; ',.,."""'~..,~ ' '" :',~:";-I.'"I'h '. ",..'.,",.t.1".;,~} . " "_~, ; , ~r,,,t: ) ,.' _,.\11....1.- "C ~~~ /1, : /.'.-, ~ ~..,'\'~~1 ",:);;~~ .-',"-'" '" ,', :-,,: , , '~ ~ ffi ~ I-'~,; . w ~ - o t' ~ j 1 (tl c- l . ":~,', 3;'I:t~ .~.. ".~" ')'N~ '.':,YJ!:~iM , ".<,.J;",) ;~~J ~"~ ~" ";;:. ,', ~~ . ~,,,_.i?,,_ ~..~"'........ ~,:'<;:"':'., -~,. it\if!~{, " . ~~,'" ~~<::,~:i~}, .--' " ."",';;5" ~':;,J't'-l'j~',:"cQ"-'" i'~':::':(;1\ . ~~t:~t,'::<::.' tf:O-'" ~,h'""_,, -', ", ~i~2U',~~;~~/?;y" '%'}~'li.'?' ',d ~}.., ,j., ~*.$~~~4'1. ...~ ,<" -. . ill :::t' ,,~';, ;':~ ~ ~.I(ti~'i~~I'~j. i"" '_i""""""";'~!;'~'~'f'~~-~ ',' ;:<,,,,,...,)~ . :f.;!Y;~<~>C!'~ ~ ;:"';:;"~,.~~'<'~~~!~~:rll~t ,""..'M,:!:I!I '. .i :',' '/'~,.: , ' , , ;" " ;: '~; ,r~~~< '" , ' fJ~ .).1/t.::: (]JCZ-;l ...{).~"-- , ("I" ... ry ~jiL'IL(, _C. h Ii I'/I~,U~~ ,"-'ja"0' , FEDERMAN AND PHELAN By: FRANK FEDERMAN, ESQUIRE IDENTIFICATION NO. 12248 TWO PENN CENTER PLAZA, SUITE 'lUU PHILADELPHIA, PA 19102 (215) 563-7000 ATTOHtIEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CITICORP MORTGAGE, INC., F/K/A CITICORP HOMEOWNERS, INC. MAIL STATION 314 P.O. BOX 790014 ST, LOUIS, MO 63179-0014 Plaintif f TERM v. " '. ) '1 NO. ~.' I . , , " - \. .", \ JOHN A. ECKRICH III, A/K/A JOHN A. ECKRICH SUSAN RAY ECKRICH, A/K/A SUSAN WRAY ECKRICH 2415 LINCOLN STREET CAMP HILL, PA 17011 CUMBERLAND COUNTY 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 for~h 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. 1 COpy FROM RECCJleERLAND COUNTY BAR ASSOCIATION TRUE of 'hano 2 LIBERTY AVENUE 10 Testimony whereof, I here unto Sv, my , CARLI SLE, PA 17013 and lhe seal of said COUr18~carIiSle. rfj'? (717) 249-3166 This .~~-iil d?\Of rx' I'. 19., (800) 990-9108 , '", '\--, ~-I. \ ',( ',' " ,_. ;l.__ I \ ' , -- Prothonotary \Ne i~,c(eL/ (;r:::t~~y trlG v.';:,~tjr:' t,') b;-" ;~ tru8 end C(,i:c.-i r:'.-::::.'j :,:;f ~i',:J O,'r" ,\,-., ';l~., , I ~_j" ,; . : ,,\, FED!"::',:;" ./~:\ ',"',-'d ",:!AN 1. Plaintiff is CITICORP MORTGAGE, HIC., f /K/ A CITICOHP lIU/'ll,:m;rn:I'::;, !tIC. MAIL STATION ) [.1 P.O, BOX 790010\ ST. LOUIS, MO GJ119-0Ul~ 2. The name(s) and l~~t known ~ddress(e~) ot the Defendant(s) are JOHN A, ECKRIClI III, A/K/A JOHN A, ECKRIQI SUSAN RAY ECKRIClI, A/K/A SUSAN WRAY ECKRIClI 2415 LINCOLN STREET CAMP HILL, PA 17011 who is/are the mortgagor(s) and real o~ner(s) of the property hereinafter described. 3. On 8/23/85 mortgagor(s) made, executed and delivered a mortgage upon the premises hereinafter described to PLAINTIff which mortgage is recorded in the Office of the Recorder of CUMBERLAND County, in Mortgage Book No. 788, Page 953. 4. The premises subject to said mortgage is described as attached. 5. The mortgage is in default because monthly payments of principal and interest upon said mortgage due 6/1/98 and each month thereafter are due and unpaid, and by the terms of said mortgage, upon failure of mortgagor to make such payments after a date specified by written notice sent to Mortgagor, the entire principal balance and all interest due thereon are collectible forthwith. A copy of such notice is attached as Exhibit "A." 6. The follo',.;inq amoullt:: .\t't' dUl' on ttH' 1:-,ortcJiHJe: Princip,tl 1J"IM1C" Interest 5/1/98 throu'Jh 10/1/'):! (Per DieM 510.18) Attorney':: F"c':: CUlnU lilt i VC' Ldtc' ChdrCJP~~ H/?l/R~ to 10/1/98 Cost of Suit ..nd Title Se..rch ~.j ;.1 , ? J J . <) G 1, SS7. 5.1 :!,2BG.OO G:>.82 SSQ !_OO Subtot..l 50,193.32 Escrow Credit Deficit 0.00 187.91 Subtotul 187.91 TOTAL $50,361.23 7. The attorney's fees set forth above ure in conformity with the Mortgage documents and Pennsylvunia Law, and will be collected in the event of a third purty purchaser at Sheriff's Sale. If the Mortgage is reinstated prior to the Sale, reasonable attorney's fees will be charged, 8. This action does not come under Act 6 of 1974 because the original mortgage amount exceeds $50,000.00. 9. This action does not come under Act 91 of 1983 because the mortgaged premises is not the principal residence of the defendant(s) . , : .' .: ';~" ~" r""~' ". !:}~;.. ' CmCORp.().,. .-, .~ .'. ........ _'0' .;.'..... _' -Ll." ,"L_'..~~."'_'"-__._.._..___~~ .' . - . r.'~ .~=- ~.........______ ~'1f-'.- RE. I': Ft't t'l. .1.1 jJ 11m','l" C1 (",Imp Hill. P/\ IJ d i',.: ~ ,~ ~ -.j '''I I~. H ! rid,' 'J 1/')1.1 17iJ~:. 7:L':' [." III :1,) r-L~: '.Jd'i'" C.I' . I. . .".,... ,\ L _': 1 !.::; .;:1 C 1ll1[; Il: 11 Pt, 1701: - JQ J; tjl::'T rCE OF IU':'E:r~' ION TO FORECLC~E i.10HTGA'.~E l~nG,.:::: S~C't i:::o -I Q 3 of PA Act ~,O. fi c f 1 ';)7.1. (P:S;..n ALr.. PAGE;j OF 1'1-lI.S NOTICE C,\:~EFULL,{) CiticUl:P r.-!Gt"C1j.:Jg':::, 1:11;. i~ t:r,:l',idll1':J till;,;' notICe a~ L~:1J-=t- or serVicing ag-=nt fer th-= L~:1der. The r-lORTGAGE held by the abov.-~ llall:e r-10RTGAGF:E (h,,-'r~uhlfter ""...... lJ~, or our.:;) en your prof>::!"t/, outo:!u dtJO'/...;o under HE;, IS r:J DEFAULT l::::CC.,;1U.:j..:: you ha'/~ not made the monthly payments a~ not~d b~low under (a) Pr~vious late chargeu ulld~r (~l, if any, h..1'/~ also accrued to thi~ ddte. THE TOTAL ANOilllT HOH REQUIRED TO CURE T:!:S DEFt....ULT IS ~1,613.6(), I!ICLUDr:rG $32.90 IN LATE CW'...RGES IS NOTED BELOW lJllDER (c) (,]) 0"/01/98 tILl'U 08/01/98 3 ,~ $5.26. 90/month 2 ,.y $16. -IS/late charge/month $1.613,60 $0.00 (b) Previoua late ch~rge(s) (c) TOTAL N10UNT (a) + (bl REQUIRED AS OF THIS DATE, $1,613.60 You may cure thi~ default by 09/02/98 (or the next business day thereafter if 09/0:/98 i~ a Saturday, Sunday, or Federal Holiday) by paying to us the amount under (c) abo'!e. Any additional payments and late charges that fall due during this period must also be paid to bring your loan current. Such payment must be made either by CA~H, CASHIER'S CHECK. CERTIFIED CHECK, OR MO,;EY ORDER made payable t" Citicorp Mortgage, Inc., 15851 Clayton Road, Ballwin, Missouri 63011. If you do not cure the default by 09/02/98, we intend to exercise our right to accelerate the mortgage paym~::nts. This means that whatever is owed on the original mortgage 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 by 09/02/98, we also intend to instruct OUI: attorneys to start a la~suit to foreclose your mortgaged property. If the mortgdge is foreclos8d, your mort9ag~ property will be sold by the Sheriff to payoff the mortgage debt. If we refer your case to our attorney.s, but you cure the default before they begin legal proceeding.s against you, you will still have to pay the reasonable attorney's fees actually incurred up to $50.00. EXHjBIT A " , . ., . . ..., ."f-.J" ....'.. ,.... I. . ... . , , ' , '. ..'" .. . . ' Cmr;.ORPA . .,. "-10',.. ............ot.~~.....\\""'~/......,....~~,... ,,,....~,,.. .....,._.........~....\. \'.... "_""':_'.:~...~~. Re.o. P:..-op.~ni'; -t.: [>~drne:' Dr' c.Jlllp Hi 11, PA O'J<):: If} l3 ').t C.:" t. O'~'O)/98 17011 - .,':)~ '} Loan N<:;: Mortgcl'.l':!'~ : Deice: 1',): :"':d;;..n H,I'! E\..:kr ~<!: 2.115 LUlcolll St C.trl~p Hill Pl\ 17011.J61'J NOTICI:: OF UITErrrrOU 1'0 F0RECL;J~E f.iLE':' t,'.;E und~r S~ction 101 of PA Act r:a 6 of ~~.l. (READ ALL PAGES OF 1'!f!.S t:0'nC~ Ct\P!~FtJ .L't) Citicorp r-tortgag.~, Inc. i~ prc'/iJing thi..; noti,:;~ d:'; Lc~:lJ'.:r 0:. servicing agent fvr the Lender. The MORTGAGE h.:ld by th,.: dLc'/~ n':'lfn.~ MORTGAGEE (herein.J.ft~r we, U~, 0:: QUI:;';) on your prGp~r:ty not.:-: .1bc'J'~ under HE:, IS HI DEFAULT becau:.;e YOIl h.:t'l'! not'. madt! tht! mOl1thl,/ payments as not~d below under (.;1). Prc'/ious LJ.t8 char9'~~; lUH.h.H" (b). it any, have also accrued to this d.:1te. THE TOTA:" N.l0UNT NOH REQUIRED TO CURE THIS DEFAULT IS $1.613.60, IUCLUDU1G $32.90 In L;"TE CH";~(:;ES IS NOTED BELO>! UIIDER (e), (il) 06/01/98 thru Oa/Ol/98 3 '"' $526.90/month : 'if; $16.45/1at'~ Ch.J.::'Jf~/Il1Gnth ~l,1)13.60 (b) Previous late charge (s1 $0.00 (e) TOTAL AHOUlIT (il) + (b) REQUIRED AS OF THIS DATE: $1,613.60 "au may cure thiD default by 09/02/98 (o:r the next bU5in~ss day thereafter if 09/02/98 is a Saturday, Sunday, or Feder~l Holiday) by paying to us the amount under (c) above. Any additional payments and late charges that fall due during this period must al~o be paid to bring your loan current. Such payment must be made either by CASH, CASHIER'S CHECK, CERTIFIED CHECK, OR HONEY ORDER mad", paYilble to Citicorp Mortgage, Inc., 15851 Clayton Road, Ballwin, Missouri 63011. If you do not cure che default by 09/02/98, we intend to exercise our right to acceler.:J.te the mortgage paym~~nt!i. Thi~ means that whatever is owed on the original mortgage 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 by 09/02/98, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. If the mortgage is fort?;clo!i.,;:d, your rnortgag.~ property will be sold by the Sheriff to pay of f the mortg,1ge debt. If we ref-2r: your case to our attorneys, but YOLl cure the default befol'~ they begin legal proceedings ag.:linst you, you will still have to pay the reasonable attorney's fees actually incurred LIP to $50.00. EXt-UBJT A . .,,'~,,\,'''''' "'-:,: : ,:,-,f..'~" C'lTlco,np~'.' . 4; ~ . I,.' ""'1'" . .....~ '<'" .__'4 ....-<".......,. .,. ........,...,............. _..,'.......... ,;j....~~.. . ...., ...... ,', " P,-1CJ~ T.....o 00/03/98 OOO~ 161 a 'j.\ lIl)w.~.,'~:.., It l'~(J,-d [)r-..:..I:'.~.:d~I:~J~ d{': .j'- "',,..J .l'JoIlIl-it 'lull, i"~IJ .....:.~~ 1:.";'.' to pa'/ the r.-';!aSCn,-lc~~ <.lttorn'~J':; ::-,,~:; '-,":.'r: 1: tll':'f ...1:'-'':> O'I'~:" ::;':1'),1)(;, Any attu["ney'~ ft:e~ .....ill b~ ,jcL:...: i ~:.. ."'~l.d._.-''/.::.. ';-';'u' 0'''''': LL.':, '....h:....:h !i\'I'! also include our r~a5onabl~ co~t~. I: YGt: cure tll~ d~~~ult by 09/02/98, you w:.ll not be I"..:yui:"'.:i :...- [id':' ~It:):-n'-,,/';.; f,-,':-i. Also, we may ~u~ you per~;cnall,/ ~0:' ::::.; ll11pdlJ prl:Jclpdl LL1Ll[~,_"-', ,u:d all other sum:; dll~ u!lder the mGrtJ~g~ If you ha'l~ not cur-.=u th~ def..lll::' L,/ U:J, J':,';Hl, dud fu:"~,:'..;L'_);';l.lr..: pt'oceeding~ ha'J"O:::: bo:~gun, you will ::;~:..:i.l kne tll'': t"l':Jht to CUt"..:! th~ default and prevent the salo:::: at an,! t':':-Tl.: up to G!l~ hour bt.!f0r~ t!~~ Sheriff's foreclosure sale. You m~l,/ do ~() by p..l'jlr.g th,:! tot,ll amOlll1t of the unpaid monthly paym..:nt;;; plu::; u.n'! lilt-.: ch..u'"Je:::;, d~u~'.Jt::!:::; tlh.:n due, a.s well dB the r";:.;lGonable clttorney' ~ fet':!:J and costs cOllnecL\'"~d with the foreclosure sale (and pereorm illl,! otlle:. r~(!lllr~[Tl~llts UI1JCt" the mortgage). It i:J e:Jcimat.:!d th<lt th..! edt'"li.~~t ddt~ ch.J.t such a Sheriff's sJ.le could be ht:ld '.mulct b.:! app:'"'Jxirnclt...~ly TI!P.Er~ (1) ;.lCil':';IS FROM THE DATE OF THIS LETTER, A noticf= of tilt.! dJ.ce of the Sh..!t-ifr:'::; s.Jl.~ '....il1 be se:lt to yell I.J'..;[Gn~ the sale. Of course, the amount needed to cure the default will increase the longer YOLl wait. 'lou may find out at any time e:<:dctly what the required payment will be by call ing u.s at the follm...ing number: 1-800-723-7906. This payment muzt be in ca:Jh, cazhier's check, certified check or money order and made paY.:lble to us olt the address stated above. You should realize that a Sheriff's sale will end you~ ownership of the mortgaged property and your right to remain in it.. If you continue to live in th~ property after the Sheriff's sal~, a law~uit could be started to evict you. You have additional rights to help protect your i:1t~t.est in thO::! property, YOU !l.WE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR BORROW ~IONEY FRO~I AlIOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT, Y.M ~tAY HAVE THE RIGHT TO SO:LL OR TRANSFER THE PROPERTY SUBJECT TO THE r-10RTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUNE THE ~IORTGAGE DEBT, PROVIDED THAT ALL OUTSTAlIOINC PAYHENTS, CHARGES, ATTORNEY'S FEES, ~~IO COSTS ARE P.~ID PRIOR TO, OR AT THE SALE (AND THAT OTHER REQUIRENE;ITS UNDER THE t-l0RTGr-.GE ARE SATISFIEDI, CONTACT US TO DO:TER!'lINE UllDER ,1I1.~T CIRCUl,ISTANCES THIS RIGHT NIGHT EXIST. 'IOU HAVE THE RIGHT TO H.~.VE THIS DEF.:\ULT CURED B'l A THIRD PARTY ACTING ON YOUR BEHALF. ;~'\,'1iBJT A YERIFICATION SCOTT SCIIEINE/l hereby states that he/she is Assistant Secretary o! Citicorp Mortgage, Inc. mortgage servicing agent tor Plaintiff in this matter, that he/she is authorized to take this Verification, 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. ~/---J DATE: 10/6/98 OCT ZI 2 06 fll'jJ 7":"f::!,1~\'!!t~ ","~r~'\'l1 . . ,:~._:L,"~~;?,.-r~fri , - -'''11::1=--'-- __..!.~:'-._.o4;';l' "Ii~.:~~~d~ , ...~f'i J """ .," L""., ~}!' .~.t (,~ ,':'~:,:~: ;~JiI1~ "' , ' .~ "YI~: -',i~"'~;J . , "I. -,: :~,;:';'i:, c;\,:(.~ f'J:......,... ...-_.~ ."1'"" .~" ';i~~"': ". .~ ""'.~':.-::"..~T " ' . ~. ". " ,. " ' : I ~ 1..,', ;~~ I LJ~J':'''\ . '> '>..: .:" ",.:' -i.:" ....:.. "/ '" .,: "'M ,:," 2: " 5 IIJ ':I:' , ,0.: ' o ...,. ," "..': ~ /(,; ;',-;;.;;-;'-, .".'.;.:-,<.:"" ~. 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