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'j. Ndl!\" dl~d addl!':;:-; of thl'-' lasl n=-col"dpd holder ot "'1"1 y 1~1' l' 11'1"
nf r"ccJl'd:
Th,' ('1'1' C;nHlp/ConSumel' Finance, Inc. I Plail1t~.it t
715 South M'!tropolitan Avenue
Oklahoma City, OK 73108-2090
Beneficial Consumer Discount Company
1 South Hanover Street
Carlisle, PA 17013
5. Name and address of every other person or entity which has any
record lien on the property:
None
6. Name and address of every other person or entity which has any
record interest in the property and whose interest may be
affected by the sale:
None
7, Name and address of every other person of whom the Plaintiff
has knowledge who may have an interest in the property which
may be affected by the sale:
Tenant/Occupant
424 Fairground Avenue
Carlisle, PA 17013
Cumberland County Domestic Relations
13 N. Hanover Street
Carlisle, PA 17013
D.jI'.]"n'~~ May,'!
TdX CClIlt'CLol
C'.lpi Ld TdX (''): ." :1 H\ll" III
10 oS. f{;1I10Vf': ::"
Cdrlj~,;1e, PA l'/nl
Cumberland Cnlll:! y 'j'.l:-: C],lirll H\I!".I\l
1 ('olll"thoun(' :';(1,
Ccu'lit,Jc', l'A l'/Ul
4. Name and addre[j~_; at thf~ ldst l't~'c()nJ,'d hnld"l ,): "'/'_~l-Y fllill' l,l'~"
of record:
The CrT Group/Coll~;urw~ t" FindItef::' / 111(_',. jJ 1" i llt ; t
715 South Metropolitan Avellue
Oklahoma City, OK 73108.2090
Beneficial Consumer Discoullt Company
1 South Hanover StrE~et
Carlisle, PA 17013
5. Name and address of every other person or entity which has any
record lien on the property:
None
6. Name and address of every other person or entity which has any
record interest in the property and whose interest may be
affected by the sale:
None
7. Name and address of every other persall of whom the Plaintiff
has knowledge who may have an interest in the property which
may be affected by the sale:
Tenant/Occupant
424 Fairground Avenue
Carlisle, PA 17013
Cumberland County Domestic Relations
13 N. Hanover Street
Carlisle, PA 17013
Vi'l i I Y lh,d Ill"
dud COITI'cL to til,' L"!il
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THE LAW OFF r CES OF HAIWAj,:A !" j'i:'::, ;
RllhdJ'ol A. Fpill, E:I'1tlll" 1,1),"
El'i:;t"Il.1. DiPdolo, E:Hlllll" / 1.:,1 ::'
SUlt.- 100, 42~) CCHnm.-rCI' [it :'1"
Fc)rt W<lnhiIl(]ton, !'A l<JO~.i
( 2 1 ~)} 6 S 3 ~ "14 SO
Attorney for Plaint,f!
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THE CIT GROUP/
CONSUMER FINANCE, INC.,
Plaintiff ,
CUUH'l' OF COr~MON I'!,EA,':
('!;:~HE"LAND COlJN'!"{
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~~(). ~JH -6134
JOE NESMITH, JR.,
Defendant (s) .
CERTIFICATION OF NOTiCES OF SALE TO LIENHOLDERS
I, Sarah A. Rufe, Legal Assistant to Barbara A, FeiIl, Esquire,
attorney for Plaintiff, hereby certify that upon lnformation and
belief, diligent efforts have been made to identify all
persons/entities having mortgages, judgments, liens, or other
interest in the subject premises of the foreclosure proceeding, and
that such persons/entities have been sent Notices of Sheriff's Sale
(attached hereto as Exhibit "A") and that said Notices were duly
served upon them in
Procedure Rule 3129,
7, 1999
Exhibit
accordance with Pennsylvania Rule of Civil
(Proof of mailing with a postmark date of May
hereto and incorporated herein by reference as
is appended
IlBII) .
I declare under penalty of perjury that the foregoing is true
and correct.
June I, 1999
THE LAW OFFICES OF BARBARA A, FEIN, P,C,
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Sarah A, Rufe, Legal Aosistant
to Barbara A. Fein, Esquire
Attorney for Plaintiff
~
BARBARA A. FEIN
ATTORNEY-AT-LAW
~;lJITE 100, i1:~ll ('(;~~r'ii-:J,r':,; IJi.:!V:':
FOPT WAS!lltJ1;"j'(Jn, h\; 'II: ~,1
( ~; 11)) I, I) 1 '/.11) I i
NOTICE OF CUMHERLANIl ('!J,U,rn::L...,J.lUiJ FF' S SALE
TO: All Parties in IntereC3t and
Claimants
11l1pt'ovem('nLf3 :
R";o.!::] ident i a 1 Dw(,~ 11 ij~q
OWNER(S): JOE NESMITH, JR,
PROPERTY: 424 Fairground Avenue
Carlisle
County of Cumberland, PA
CUl1\bel'land Cuunty
CCP No. 98.61J4 CIVIL
Please be advised that the above captioned property (and any
improvements thereon) is scheduled to be sold by the Cumberland
County Sheriff's Department on Wednesday, June 9, 1999 at 10 A,M"
at the Cumberland County Court House, 1 Courthouse Squar,,',
Carlisle, Pennsylvania 17013. This sale is scheduled pursuant to
a judgment entered in the amount of $25,127.16 in the Court of
Common Pleas for Cumberland County,
Our records indicate that you may hold a mortgage or judgment on
the property which may be extinguished (removed) by the sale, You
may wish to attend the sale to protect your interests,
A schedule of distribution will be filed by the Sheriff on a date
specified by the Sheriff not later than thirty (30) days after the
sale, Distribution will be made in accordance with the schedule
unless exceptions are filed thereto within ten (10) days after the
filing of the schedule. You may call the Cumberland County
Sheriff's Department at (717) 240-6100 for the date on which the
distribution schedule will be posted.
Sincerely,
THE LAW OFFICES OF BARBARA A, FEIN, P.C,
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Barbara A, Fein, Esl:plire
Attorney for Plaintiff
Dated: May 7, 1999
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EXHIBIT
A
^LL IILI: ""11 ,1lll !I 1"~ 'il : 111'! 'oIIit il I tJ" illlptl)V.'n;"lll:; tllt'I"OIl
"rf.,(,!,.d :::111,11.' (>!l Ii:.' ~'i"::"'lll ,;ld.' r)! F,linJl(JIIIl<i r\V'-'IlUt-~ in th.'~
Boro\lqil ()l ('dl j i:;1I', 1'llrllf"'1 ;,lllrl ('llUll! YI P"IlIl::ylv,lllid, bOtHHh-'d dlld
dl~nclil,,,'d dl: !oll()w,'::
UN th.. ;'J()lth by P!"(ip,.:t'l :lr,W Ii! j()nn,,:'ly of (', E, Ht-"IHlt:-,l', kIlCJWll
d:; 4/1 Fd i :q I (illIHi ^'/l'lll:"; : i! I t 11.. l':,I::t by Fd i n; II J\lllri ^v"~nlH:~, OIl
till' ,';,:\11 h liy !~:(}f)t.! I '/ ll"W '11 f<ll'llll'l'ly uf C. E, HJ"l~I1Il'~l', known dfl
(17.:: FdllqJUllll(! AV"lltl"; ,11l(j l)ll Ll1p vJt::.3l by ,'Ill <lll.',/ I t'n (10) f.(~'(~t
widp. CUllLdil:illq FOIIII..,.'tl (l'li tel_~t Eiql1l (Hi iIlChl;~3, morc or
J0sn, in front alonq Lh.' vJ":;lt'Ul lin'~' of Fairqn,und AvenuPI Olle
Hundn'd Thirty ,-~iqht (l~H) f,~.,~t mot'e or lens in d'--'pLh on tht..'
Nortlwrll ,uHf Soutllf_~rll 1 ill':~;, dnd having a widlh in the real' ot
Thil-tl~'~1l (13) f(:~et dlonq dll alley,
THE NOl'tht>nl dllCj Sout'_l1"l'fl 1 ini:::3 of th(~ heu:in d(~~;cl'ibed prop(-jl'ty
run t1H'ollgh the cent"" of the partition walls ot the ildjoining
properties now at' torll1t~!'ly of C. E. Brenner,
THE above described pn':!lli~,t-":'s are improved with [1 two and one-half
12 1/21 story brick dw',lling house known as and number 424
Fairground Avenue.
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EXHIBIT "B"
PROOF OF REGULAR MAILING OF NOTICES OF SALE UPON
POSSIBLE INTERESTED PARTIES TO FORECLOSURE ACTION
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('()HWJtJ\'IJ.:!II:I'II OF PENNSYLVANIA
('OUNTY OF CUr-lBERLAND
THE ('I"l I :j.> j! II' i \ ,.; 11.")' I Ii-' ('( Jr,,:-,;( IN j I J,j,:^~-:
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NO. 98-6134 CIVIL
,JOE NESi4 I'l'i1, ,)!",
Dldt'Ildd!1t (;:, ,
PRAECIPE TO ISSUE WRIT OF EXECUTION
(i'~('i<T(;N;E ! 'OfWCLOSURE)
TO THE PIWTHONOTARY:
Kindl y i ~:;E:;u.e d i'l! it" () f Ex.:.cu C. ion in t he above rna t tel'l di rect\~d
to the Sheriff c,f Cumbel'lalld County, against JOE NESMITH, Jlt.,
Defelldant, and real property situated at 424 Fairground Avenue,
Carlisle, Cumberland COUllty, Pennsylvania.
AMOUNT DUE
$25,127.16
INTEREST FROM
December 4, 1998
$ 748.00
COSTS TO BE ADDED
$
February 15, 1999
THE LAW OFFICES OF BARBARA A, FEIN, P,C,
t'a.W
Barbara A. Fein, Esquire
Attorney I,D. No, 53002
Suite 100, 425 Commerce Drive
Fort Washington, PA 19034
(215) 653-7450
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ON t.h,' NUll h by pII'IlI'll '/ :, '"", ': : II r11"1 11' , ! ,. H: "1:11"1, kIllJWll
(]r; Ii:~(, FdiIqll1tllld ^'1"lJll"; " L,' i-:'l:;! IJY f:dll'll' 1,I;,f 1\'/"/I1J", (Ill
t.he Slltl!ll by IJl'()fl"lly w,w ", j"!:!:"llj' l,j (' 1< !'.l"llll"!. kll,,wll .I:;
47.2 F,lirqlr,\llld ^v'~IlUI',' <Ill, ';]1' ]:,' ~'J,':;! Ii',' ,Ill ,4l !',,,. ~ 'I: I ]Ii) J,', I
widr'. ('(\lltdillil1(J F')l!!-L"":: l'l: :"": 1'::,,;::! H. ,1, j,. :n,.J";J
less/ in flOllL dlun~1 till' t'/":;!"IJ, llll" f)t Fdlllll'llll,j /\'/"11\1"/ (lll"
Hundn~d Thirty ei~lht (13B) fl'l'! ~wJt" r;l II':;,'; 1/1 rj"!J! il '-"1 Ill"
Northt'l'll <lnd Southern lill":;, dlld tJdvinq d widlll ill ! 11,' II'dl uf
Thiru!en (1]) f(~et alonq .Ill ,11!,',/,
THE Northern and Sout!1(;,t"n I i n"~; ("I 1
run tfll'ouqll tlll:~ center of. 1:1': l),tl tit
propertier; now or formerly ul C, E.
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,j":;I_': itJ,'d propf:~l"ty
(>I t Jl,' ,j(jjoi tljIlSJ
THE above described premif;t::f3 d1"I:' impl'oved with d t'tlO dnd one-half
(2 1/2) story brick dwelling 1:1-;'U:-;'-: Kl1(;Wn d:3 dnd !lWrltwl 'i2it
Fairground Avenue.
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AFFIDAVIT I)NDI':!\.-l'L,---1!!~!'_ I<lIl,I': 'i /:"1
The CI'r Gl'OUp/COll~;L1ill':~I' Filldll('!_~1 lIlC'1 P!,lillt,j frill th.: abovo:.
captioned lIlo1'Lqag"~ fCJr-:,-~('loSlll-f_' ,OlctioIl, :v~t::_; l'ul'th .If> of the date
the praecipe for the Wl'i t of Ex(:cution Wd:; t i l.~~d, l~h!~ following
information concerning thl::: real property locdtc~d at .124 Fairground
^v'2l1Ue, Carlisle, CUrnb!:"l'land County, P.~nllsylv<:lnic'll 'Ndn Ll'ue aIld
correct to tlH:~ be8t of it.:'3 knowlJ:~dge, illfol"llIdtioll und b.~li.~t.
1. Name alld address of ~acll OWller Lllld/o~ Repllted OWller:
Joe Nesmith, Jr,
424 Fairground Avenue
Carlisle, PA 17013
2, Name and address of each Defendant Ilamed in the judgment:
Joe Nesmith, Jr,
424 Fairground Avenue
Carlisle, PA 17013
3, Name and last known address of every judgment creditor whose
judgment is a record liell on the real property to be sold:
Water, Sewer & Taxes
(Addresses to be provided)
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Ndlll(~ <:Ind dddress of every OUI"! p'_~I':;nIl
l1aE~ k!lowl,_:~dgt::: who may !la'/(': ell I il1l.'_'l',_-.;;t
may be affected by the sClle:
of whom the Plaintiff
itl Llh-~ pl'opet-ty which
TelElnt/OccupaIll
<17.4 Fdirql'ound ^v!~nLle
Cal'lislt~, PA 170]3
CUlnberland COUllty Domestic RelatiollH
13 N, Harlover Street
Carlisle, PA 17013
I verify that t!le statetneZlts IlIa de ill tllis Affidavit are true
and C0lTect to the best of my personal knowledge, information and
belief. I understand that false statements herein are made subject
to the penalties of 18 Pa,C,S. Section 4904 relating to unsworn
falsification to autllorities.
Date: February 15, 1999
THE LAW OFFICES OF BARBARA A, FEIN, P.C.
BY:
''B:I{C&a.~ {{
Barbara A, Fein, Esquire
Attorney I.D. No, 53002
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('IIMHI';I<I.ANI> ('\JtINTY
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THE CIT (;IWUI'/
CONSlIMER 1'1 NANCE, I NC , ,
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JOE NESMITH, ,Hi.,
Defendant (~:;),
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NUl' [CE OF stlfo:F I 1'1," S ,;A[,E OF REM, I'IWPEFTY
TO: Joe Nesmith, Jl",
424 Fairground Avellue
Carlisle, PA 17013
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Your house at 424 Fairground Avenue, Carlisle, Cumberland
County, is scheduled to be sold by the Cumberland County Sheriff's
Department on Monday, June 9, 1999, at 10: 00 A,M" at the
Cumberland County Court House, 1 Courthouse Square, Carlisle,
Pennsylvania, to enforce the Court judgment of $25,127,16 obtained
by Plaintiff The CIT Group/Consumer' Finance, Inc, against you,
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NOTICE OF OWNERS' RIGHTS
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YOU MAY BE ABLE TO f-REVENT THIS SHERIFF'S SALE
To
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prevent this Sherif f' s Sale, you must take immediate
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1.
This sale will be canceled if you pay to Plaintiff
Mortgagee the back payments, late charges, costs and
reasonable at torneys' fees due, To find out how much you
must pay, you may call Barbara A, Fein, Esquire at (215)
653-7450,
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2, You may be able to stop the sale by filing a petition
asking the Court to strike or open the Judgment, if the
judgment was improperly entered. You may also ask the
Court to postpone the sale for good cause,
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1, If trlt> .-iIII'1 itt'~; ,'3.1]'_' 1:; ll()! ;;: J!'Il,'(J, Y'llll fJt'j!;"lty will
b~'~ Bold tll tb.. hiyil.:,:;t bj(jd"f. YOll trld'j l. illiJ (Hit th,'
pricf~ bid by (',111 iIlq hdrl>dl',t ^, j-'pin, EHqui I"" <It ()1~)'1
G53--74r)O, OJ' llY C'dll inq I iv' ('\llllll"rLtlld COIIl1! y .'-~h"l if t '::
Di:pdl'tm',;llt d~ 'Ii"!) :>:(1 '\ J,'Ji) ,
2, You may LH:' ,djJ.,: tu p.'tiLjulI ~_lI,' ('()U!'l t(j ~",,~L di;jdt~ tll"
SC11~ if th,:: bid pric._~ '..hIS qt'()s:--;Jy illl'IU'__'qUdtJ~ CCllllp'lred La
the v,;Jlue l)f 'lout" pr()pl~l.ty,
3, The sal.'. wil} (J(i tht'uuql1 (>Illy if tll.:' buyel. PdYS th(~
Sherjft th(~ fu11 ':lllluunt. bid ill t.iF:~ ndJ,~, To find ouL if
this has happl:'I1(~d, you may call Hadxll.'d A. Fe.ill, Esquin.."
at (215) (jS3-74S0, or by call1llSl the Cumberland County
Sheriff'~:; Department <'It: ('11'J) :~40-G390.
4. If the arno~lnl due fr01l1 t!1':': bUY'~l' is not paid to tile
Sheriff. you will remain thO! own':ll of the pl'operty as if
the sale had never happened,
5, You have the right to l'emain in the pl'operty until the
full amount due is paid to the Sh'eriff and the Sheriff
gives a deed to the buyer, At that time, the buyer may
bring legal proceedings to evict you,
6, You may be entitled to a share o~ the money which was
paid for your house. A schedule of distribution of the
money bid for your house will be filed by the
Philadelphia County Sheriff on or about thirty (301 days
from the date of Sheriff' s Sale. This schedule will
state who will be receiving that money, The money will
be paid out in accordance wi th this schedule unless
exceptions (reasons why the proposed distribution is
wrong) are filed with the Sheriff within ten (101 days
after the distribution sheet is posted,
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YOU SHOULD TAKE 'l'III~; !'/\PEf.: T~I '{":;;; :.t\!~""1'1-:1.' AT ()N('fo:. IF Y(ilJ !)() :~!iT
!lAVE A LAI'IYEI, 01, CANNo'J' td''I'IJIW !I::I<, ';') T!I !II, 'I'EI.I':J'Il!lNE '1'111,: IWI,'I"E
BELO\'I TO FINIl OUT I'I!lEPE 'illt) I'M: ';1.:'1' :,;';';!d, m:I.;',
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'1;~;~ Fdilqll)1Jlld ^V"llll"; ,Illd I)l! tll" I..J..::t IlY <Ill ,\11.''/ 1"11 ll()' j....t
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l'~:;r;, ill trunl dlrJIlq t!J,' ~'J.'::;tt'nl 1 in.' ()t Fdirql'ulllld ^'J'~llt]t'. (l:j,.
Hundt't'd Thil-ty '"iql1t (13H) f'_'('1 1II0f."--= Of l'~~j~; ill d('PLll OIl t tv'
NorCl1f!ul dlld .';ollth.-:1I1 1 int"~;, dnd having d width in th,," 1'-"<11' of
Thineen (ll) I.>." dloll'j.lllalley,
THE Northern dnd SouLht'rn lines of th,~ I1t~rc~il1 d.(~:JC1'ih,_'d !_H'U!J"I't y
run through the CI~nt>.:'r of the PCll-titioll wal L::::: of L!lt! ddjuilllny
properties flOW 0%' fOl'rn0rly of C, E. Brerlner.
THE above described prenlises are improved with a two and oIle-lldlf
(2 1/2) story /.Jilck dw",JllllY house known as and number 424
Fairground Avenl1i~.
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Joe 1\:esmilh, Jr,
Illlhc ('ollll pl( 'tllllllllllll'kol" pi
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'-:11, IIX.III14 l'ilillLTm
Michael 1:,B,nrJL'k, IkI'UI, Sherifi'. IIho hl'in!-, dnl, SIIOI'll aL'wrdillf' hi /;'11, s:'ys Oil
i\l'ril I, 11)1)1).11 ~,1I7 0 'L'!oL'k I'..\ITSI , 1tL' 1""led a Wl'y or Ik,iJ hlalL' \\'111 1\:olicl'
Posler and llL'sL'lil'tilln inlllC' "I'ole elllitbl "cliolllll'ontlte 11Iol'erly OI'.IIIL' \.;L'smilh,.lf.
locateu al ~~~ Fairl-'ftlllnd i\ll'nllL', ('arlisle. l'lImberlalld ('ollllly I'l'nns, !I,mia .Iecording
10 law.
Michael I,:, Barrick, Depllly Sherin~ IIho heing duly s\\'orn according 10 la\\', says on
i\pril I, Il)l)l) al 2:07 o'e1l1ek I'J.L ISr, he sefl'ed .I Irue eopy oj' Real htale \Vril Notic':
Poster and Description, in Ihe ahow entilkd actioll upon the \\'itltinnamed defendant 10
\\'il: Joe Nesmitlt .lr, hy making kllll\\'ll Ullto Joe Nesmilh .lr al ~~5 Fairgftlund 1\ I'enue,
Carlisle, Cumherlanu Counly Pennsyll'ania its elllllents alld al the same time handing to
Itim personally the said true anu attesteu wpies or the same,
R, Thomas Kline, SheriJ'C \\'ho heing duly s\\'orn according 10 law, says he served lite
ahow Real Estate Writ NOliee Posler and Description in the I(lllowing manner: The
SheriJ'fmailed a noliee or the pendency or the action hy regular mail to lite defendant Joe
Nesmith to his lasl known address ~24 Fairground i\wllue, Carlisle, Pennsylvania, This
lettcr was mailed under the dale oj' i\pril 2. I l)1) and nel'er returned to the Sherirrs Onke,
R, Thomas Kline. Sherin~ who heing duly sworn acwrding to law, says tltat alkr due
and legalnotiL'e had heen gil'en acwrding to law, exposed the within deserihed premises
at puhlic venue or outcry at COllftllouse, Carlisle, Cumherland County, Pennsylvania, un
June I). 1999 at I 0:00 o'cioek i\.M, E,D,S,'!'., and sold the same I()r the sum oj' $ 1,00 to
Attorney James Flower I(lf The CIT Group/Consumer Finance, Inc,. lis sueeessors and
assigns, It being the highest bid and hest price quoted for the same The crr
Group/Consumcr Finallce Inc, heing the buyer in this execution paid to SheriJ'J' R,
Thomas Klinc, the sum oJ'S 661.75 it heing SheriJrs Costs,
Shcritrs Costs:
Docketing
Poundagc
Posting Bills
Advertising
Acknowledging Deed
Auctioneer
Law Library
County
Mileage
Certified Mail
Levy
Surcharge
Law Journal
Patriot News
Share of Bills
Distribution of Proceeds
30,00
12,9&
15.00
15,00
30,00
10,00
.50
1.00
3,10
1.61
15,00
16,00
203. 75
233,81
22.50
25,00
Sheriffs IkL'd
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Sworn and Suhsnihed Tolklilre ~k
So a!lS\\l.'('S:
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lIs_i ,...:~=-. ay ojJLt.'J~_'.I
1999 ^,D'~r""IL<..L~,.lII",u< ,I'/,"
I'rtllllonotary .,
R, Thomas Kline, ShL'rilf
Il}',i.~~~<-L.~'<~!Z
Real Estate Deputy
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Hdllldl'd ^. F,'ill, F;;'P;:I" ),.
~;tli!,' 100, 'L~l! !'\i1!ltll"II'" 111 1'/,'
Fort vl,'t:;l1illql(>!" i^ ; ,Ii ~,1
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'I'llI' CIT GROUP/
CONSUMER FINANCE, I NC . ,
Plaintiff
':;~)i,'T III.' ('(.Ir~:'~;:i:~ ('l.EAS
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v.
JOE NESMITH, JR"
Defendant (s)
AFFIDAVIT UNDER PA, RCP RULE 3179
The CIT Group/Consumer Finance, rnc" PlailltifE in the above
captioned mortgage foreclosure action, Sets forth as of the date
the praecipe for the Writ of Execution was filed, the following
information concerning the real property located at 424 Fairground
Avenue, Carlisle, Cumberland County, Pennsylvania, was true and
correct to the best of its kllowledge, information and belief.
1. Name and address of each Owner and/or Reputed Owner:
Joe Nesmith, Jr.
424 Fairground Avenue
Carlisle, PA 17013
2, Name and address of each Defendant named in the judgment:
Joe Nesmith, Jr.
424 Fairground Avenue
Carlisle, PA 17013
3, Name and last known address of every judgment creditor whose
judgment is a record lien on the real property to be sold:
Water, Sewer & Taxes
(Addresses to be provided!
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l,. Nd!llt.' dIld <..lddl'('H:'; (it "\f'"l'Y ()t.il.'!" P'-'!':,;Ull Ul ":l~ ity whil'l: Ild~; .IIlY
r,"coni 1 1t_'1l r)1l tll,' pnJp"I"ty:
Non-:
.~ Ndrnl~ and addt"'~:;:3 nf ",/.,~!'':' ()tl1':-l" p"l.'~;(Jll or '~:l1 it.y which hd.!:; dn,:,
record i::tCl:CDt 1IJ ~~}k' pn)[x:'r:.:y dud ~,duj::.i': j llL':1:'.::,~L ([[<-II' t..!.~~
affected by the sale:
None
7. Nam'~ and address of ,:~very other pel'son of whom the Plaintiff
has knowledge who milY Ilave an interest in the property wiliet)
may be affected by the sale:
Tenant/Occupant
424 Fairground Avenue
Carlisle, PA 17013
Cumberland County Domestic Relations
13 N. Hanover Street
Carlisle, PA 17013
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I verify that the statements made ill this A:fidavit are true
and correct to the best of my personal knowledge, information alld
belief, I understand that false statements herein are made subject
to the penalties of 18 Pa,C,S, Section 4904 relating to unsworll
falsification to authorities,
Date: February 15, 1999
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THE LAW OFFICES OF BARBARA A. FEIN, P,C,
BY:
3ad'Ct. LfL
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Barbara A. Fein,
,',t torney I,D. No
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1. It :h.' ~~!l.,!'iff':; ~';d:" .,'" ' ';1 f'f,,'d, ]-'()\ll lJ!f.lP"I'!Y '...,ilJ
II" :;'lld L(J tl1" lIiq!:";,, t'; i'i"1 '{(ill !l\dY j inti liut chI,'
Pl'it'" l,jd by (',dl:n'! !',.It! 1:,1 i..., ;:,'ill, I.:;;,,~:il'" ill 1::11))
11(j~~."l4tjU, 01' by 1...:(111 illq :h.' (",I1:j"'ll,Jwi C'(J\lllt:y :-_~I1"I'iff '::
D':~pdt"tlll'~'llt at ('/1'1) :-:I,lJ - {~'I,C)I).
:~, You t:ldY b,,'~ dbl.' 1'(, !"':i~,,ili:l ~li,' (")\Il! tu :;.'t d:;id,' Lll'~'
~jdl,~ it Lh,:-.~ bid pl'i,.-',_, '..I,t:; qp)~;~;ly lllad'.qudL',~ COlllfhll'I:'d lu
th,~ vdlu',,~ of YOllr Pl'()I)':l'LV.
3. The sille will go through only if the bUY'''t' pays the
Shel-iff the full amount bid in t.he salt::. '1'0 find out if
this has happened, ,/ou may call Barbara A, Fein, Esquire
at (~15) G53-7450, or by call illg the Cumberland County
Sheriff's Department at (71~1) :::40-6390.
4. I f the amount due from the buyer is not paid to the
Sheriff, you will remain the owner of the property as if
the sale had never nappened,
s. You have the right to remain in the property until the
full amount due is paid to the Sheriff and the Sheriff
gives a deed to the buyer. At that time, the buyer may
bring legal proceedings to evict you,
6. You may be entitled to a share of the money which was
paid for your house, A schedule of distribution of the
money bid for your house will be filed by the
Philadelphia County sheriff on or about thirty (30) days
from the date of Sheriff's Sale, This schedule will
state who will be receiving that money, The money will
be paid out in accordance with this schedule unless
exceptions (reasons why the proposed distribution is
wrong) are filed with the Sheriff within ten (10) days
after the distribution sheet is posted,
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BU1()\lc]h ul C,ll'! i~:J.'. {'ll:nb"ll,j:' 1
(k~t;cr ibPrj ,.i;; follow:::
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dt: 4;~f, FdircJ1'f)UIHI ^V"II\I"; "j, /1;,' j':,I::1 Ji',' 11I'll,,'1:ld ^'i"!l':" "II
tht' .';0\1\11 by tH'opl'I't',' Iii)'.., i,1 j',)I::"1 ;'! j~ !-:, hl"IIIl"J, )':r,'Mll 01;;
4/';~ F,lirqround ^Vf~nll'~'; <tlld 11/1 Ill" i-I,,;;! i'j' ,ill 011 j"j' ("ll {I()} jl'l.t
wide, Containing Fourtf.'{'1l (J'ii t..,.t !':iqllt (Hi l:JCl1"lj, I!lclll' ()r
lesn, i.n [rant alonq tilt:, i-J.':;t"I:l ;ili" ': F.lllql(JllIHI ^V(~ll\l", OW.!
Hundred Thirty.eiqhl (IHl) 1""1 "'''I'' "I ;",,,; III dqlt:h un tll<'
Northern and Southern lill"::, dlld lldV:llq ,I 'o'Jidt.!J in tl1(~ l't:'dl of
Thirt:een (13) feet: aloll') <Ill ,Ii J"y,
THE Northern and SontIF'l"l1 Ii n.-:; ,d 1
run through the centc'r of thf: Pd!'t it
properties now or formerly uf C, E.
il,' 1:" 1'" in
iOll 'o'Jd 11~;
Bt...:!nI1'_~l. ,
dt,,!f;c:ribed property
uf tilt.:: ud~j(Jilling
THE above described premi:;"13 al''' improved with a t:wo and one..half
(2 1/21 story brick dwellinCj hou:;e known as and number 424
Fairground Avenue.
WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH or PfNNSYI VANIA)
COUNTY OF CUMflfl1l AND)
NO ')!l-(, 1\.1 CIVIL 19
CIVIl. AC f ION, l.AW
TO THE SHERIFF or
Cll~lIlEHt.ANIJ
COUNTY
Tosalisfyltlodetl,lntCiDslilndCOSlsduc Tth! CIT (;f"(Jllp/ConsllIlh!r FilliJrlCL', IllC'.
from .loe Nesmit'h"Jr., 424 Fclirqrnllnd ^Vl~., Cdr-I isle P^ 1701:i.
Pl.AINTIFF(S) "
I
OEFENDANT(S)
(1) You are directed 10 levy upon Ihe prope~y 01 lite delendaflt(s) and 10 sell H"a 1 eS l.a l" l oca t"d
at.4_~~ra,~rg:"und Av"nu", CarlisI" PA 17013. (S"" attached 1"9al___.____._._
d"script ion, )
----~---"--,-, ~ . -....._~~-
-'-,----------- -'------.
(2) You are also direcled to allach the propel1y of Ihe defendant(s) not levied upon in lite possession of _.___
-..,'-----. ~-'.. -- - ---~--~,--
. . ",_ GARNISHEE(S) as follows:
~--------------_..,_..-
---~---------'.
- .--- -..._-----'_.._-,--.-----,------
and to notily the garnishee(s) that. (a) an attachment has been issued: (b) Ihe garnishee(s) is/are enjoined from paying any
debt to or for the accounl of the defendant(s) and Irom delivering any propel1y of Ihe defendanl(s) or otherwise disposing
thereof;
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(3) If propel1yofthedefendant(s) not levied upon an subjecllo attachment is found in tile possession of anyone other
than a named garnishee, you are directed to notify him/herthal he/she has been added as a garnishee and is enjoined as above
staled.
Amounl Due
Interest
Ally's Comm
Ally Paid
Plainlilf Paid
$25,127.16
from 12/4/98
L.L.
$.50
$1. 00
$748,00
Due Prolhy
Olher Costs
%
$99.10
Esq.
by -0
.../
/;...'1---'-
LONG
PrOlhjlOta,ry, Civil Division
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Date: Mr1r,...h B--,_..l...9..9..9
--.C.URTlS.....R.
REQUESTING PARTY:
Name Barbara A, r"in,
425 Commdrc"
Deputy
Address:
Dr. ,
St". 100
Atlorney for:
Telephone:
Supreme Court ID No, _
Fort Washington
Plaintiff
PA 19034
(215) 653-7450
53002
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the sh3riff levied uflor: the defenddi:; ,
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inffirasl in the real property SitU::tf;u in (L L "'~'r
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THE C LT GiWIJf' /
CONSlJMER F [NANCE, [rIe'"
Plaintiff,
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JOE NESrH TH, .!lC,
De [,"ndant ,
PRAECIPE FOR JU[)(]MENT FOR FAILlJl<E TO ANS'dEP
AND FOR ASSESSMENT OF DAr1AGES
Kindly .::nter judgm'"nt [0]" $2~),127.1G 1!l f'avol' of Plaintiff,
The CIT Group/Consumer Finan(>~ , Inc. , and dyainst tl1,~ De [t::,:ndant. I
Joe Nesmith, Jr. , for failure to file an Answer to Plaintiff's
Complaint in Mortgage I;'oreclosure within tvlcnty (20) days from
service thel'eo[ and ass.:~ss Plaintiff's darnclg"-:s as follows and
calculated from those set forth in the Complaint,
Principal balance of mortgage
Interest due and owing at the rate o[
9.490% calculated from the default
date above stated through December 4, 1998
Monthly property inspections as a recoverable
expense under the mortgage terms
At torneys' [ees
$22,318.58
1,445,15
247,50
1,115,93
TOTAL IN REM JUDGMENT TO BE ENTERED
$25,127.16
TOTAL IN REM JUDGMENT TO BE ENTERED
$25.127,16
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;;-"{: _.L "__I_._.,C_!-~_ ___I_~_..... ___,__.___
Hdll"ll'.l A. ;:,.j!l, m:;rjlli !'t~
AND NO~'I, jlldqrn"ll! l:-, "Ilt "'J'l'd i:; ! ,j'/t)!" ()l :..11.,
CIT Gl'Ollp/CClll:;\l;n"1 i::n,l:ll"", rlle" .Illd .lqdi!l~;t tll.,
Nl=-~,;;rnith, .1/ .,IIl\J li'lnLJq.~:; dr,: ,11;:;":;."..(1 ,I;; abeJ'l"
$2S,127,lG,
i'1 d illt if: I Tit,.
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THE Lt\vl (,'i''F:('r-:.'; 'I:' ;'.!\I,'h\i'/I II, .)'....,
Barb.l!.l h, l/,' ill, l-::
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CONSUMER F [NANCi';, iN:'.,
Pl <-i i nl it i ,
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,JOE NESM lTH, ,;11."
Dp(f~llddIlt
CEWflFICATION OF MAIL.IN'.~ OF NOTICE UNDER FA, !lCt' RULE 237,]
The undersigned her~~by cert-:.ifies that. ,] written Notice of
Intention to File a Praecipe for tile Entry ot Default Judglnent was
mailed to the Defelldallt(s) and/or to their legal counsel of record,
if any, after the default occurred and at least tell (101 days prior
to the date of tile filing of tile Praecipe, Silid Notice was sellt OIl
the date set forth in the append'3d copy of the Notice, sent as
stated.
Dated:
November 19, 1998
THE LAW OFFICES OF BARBARA A, FEIN, P,C,
BY:
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Barbara A, Fein, ~sguire
Attorney I,D, No, 53001
Attorney for Plaintiff
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r'EHTIFICA'I'I': OF ~EI(V)('I':
I, Baroal'u 1\, F.::ill, Esquiu;, Attunll;Y fur Pldi!ltiff, The ClT
Group/Consumer Finane.?, Inc., rl\~rt?by certify that I have served a
tl'U'3 and correC'I::' copy of the appended mortgage
EoreclosUl'e
pleadings/papers upon the following party at tile, last known addt'es:o
and/or upon an attorlley of record, as Iloted:
Joe Nesmith, Jr.
424 Fairground Av."nue
Carlisle, PA 17013
THE
LAW OFFICES OF BAHBAI!;A A, FEIN, p, c,
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Barbara A. Fein, E~quire
Attorney for Plaintiff
BY:
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NOTiU':
Pursuant to Rlll.~ 231) of t.IH~ SUpl.":lll'~ C'Otll:t of Pennsylvania, you
dr.:; her<-?by notified that d judqrnenL h<1f; b.:~f::r: .'~llt(~l:erl agdiI1~::it Y(~ILl ill
tht::.' abov~,:~ captioned pl-oc.~~,;:dillg dr; indicdt.::d heluw,
,~:ii~/,c~ "t?.:;,{~a;"NO,^"
[xx] Judgmen~ by Defaul~ entered
IF YOU HAVE: ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL:
BARBARA A, FEIN, ESQUIRE AT (2151 G53.7~50,
TIll':
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THE crT I;HUUI;/
CONSUMEH F I N^NCi.:,
P Jell Ill: i t t
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.JOE NESMITH, .JH"
D.....t,:'nd<l.llt
CIVIL ACTION
COMPLAI~T IN ~ORTGAGE FORECLOSURE
nOTICE
UOT'CIA
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NOTICE REQUll~ED UNDER TilE FAIR
DEBT COLLECTION PRAC1'ICES ACT,
15 U,S,C. 5 1601 (AS AMENDED) AND
TilE PENNSYLVANIA UNI-'AIR TRADE PRACTICES
ACT AND CONSUMER PROTECTION LAW,
73 PA, CON, STAT, ANN, 5 201, E.'1' SEQ, ("TilE ACTS")
To th" "xt ";:' t ;," ,\ '.
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3. The d"b: rj",;c'lib"d jlJ Ih,. Cc<mpltllJ: "" F'!;";! /"'1"1" dlid ..,/! j":;.'..d hj': i:..
copies nJ :.hf' 1i"'!!'.!dC!" alJd IJ'.:.. YJi!i b"l:":lJm,.d I. L.. '."l:d bv :i:..
Creditcl!':; l.,w [inn, lJll]",,,:, th.. IJ..b:')j,';1110JICjolCjon;, '"i:h::; :hiny d"y::
after ""C"I1'1 of this 1J0ti..", cli::plJl.., ilJ writillrj, III.. '/dlidilj' cot li:-,
debt or som" port: iOll thr.'l'i::,uf.
4.
If the D~:)bt:.(Jt'::;/j.JorLqagOLS nell. 1 t Y
witllin thirty days of thg re""[1'1
portion t.1F~r.~~o[ is disput~~d, lilt,>
vel'ificat.ion o[ the debt and d C'opy
to the Debtor by the Creditor'H ldw
lb.. Ct"::-dit'ur'~.; JdW ! j n:; l!l
ut Lhi~3 not lei::: rhdt~ : iJ.-~ d<~bt.
('l'f~ditcn"~.:; law finn ...../11.1
uf the v(,~Lificatio!l wi,ll be
f j nn.
writ~ inq
Or "Ill:':
obtdln
mail',d
5, If the Cneditor who is named as Plaintiff in the attdch>ed Complaint is
not the original Creditor, and if the Debtol'/Mortgagor makes written
request to the Creditor's law firm within thirty days from the receipt
of this notice, the name and addn:ss of the original Creditor will be
mailed to tile Debtor by the Creditor'S law firm,
6. Written request should be add"essed to:
THE LAW OFFICES OF BARBARA 1\, FEIN, P.C,
Attention: Kristen DiPaolo, Esquire
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
*
THIS LETTER MAy BE CONSTRUED AS AN ATTEMPT TO COLLECT A DEBT AND ANy
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE,
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(bi D"lf'~:ld,lnt ,Jnr~ N.'r.;miLil, .Jr, hold:.; an inti.1.'<:;! il: th..
subj,~('t pnjp"rty d;:, d P'~d.l Own':l ,:Hld Mortgagot
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IF' abov/-:, named DeEF,;nddllt is dt'C'~d:-;.~d, t:l1i:~
act ion ,Shill 1 p~-;J,:_";,:.d .1(J,~1 inr,;t
ch.::: d(::,ceased D(-'[enddllt' :-~ :l,::,i:'s,
assigns,
~:';\lCc'f=::jr;,)r::; I
d.dmin ir;t l'cJtors,
personal
l'epl"t::::sl~nt at i yes
and/or executOl'f] tlu:c)uqh his (~state whether the estate iG pt-obated.
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(a)
Th.:~ l'I~~-;idential mortgage being foreclosed upon is
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secur"d by property loci1ted i1t 424 Fairground Avenue, within
Borough of Carlisle, Cumberland County, Pellnsylvania,
Ib) All docum~nts evidellcing the residential mortgage
have been recorded in the Recorder of Deeds' Office in Cumberland
County, Pennsylvania,
IC) The Mortgage was executed on February 28, 1997 and
was recorded on March 3, 1997 in Mortgage Book 1367, at Page 782,
Id) The legal description for this parcel is attached
and incorporated as Exhibit "A" (Mortgaged Premises) ,
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March S, 1908, ~l:;..~j ::~;i;rcaf~','!' ,lj~"rj :" ll'Jr:" . ~:., "~":lt :\1:/ .,1:,!111' ::'
5. As duthDl'iz,~'d und,o:r tho::: rncJrLq,I~,l'.' :ll:-;t.l'Ul:~"l1t, 1~I1,~ lUCll1
obligation has b..?,::.: 1 aC'Ct~l!:.:l'ated,
6. plaintiff seeks entry of judgment ill rem on the following
sums:
(a)
Principal balance of rnortgage
due and owing
$22/318,58
(b)
Interest due and owing at the
rate of 9.490%
calculated from the default
date above stated through
October 31, 1998
1,247.61
Interest will continue co
accrue at the per diem rate of
$5.81 through the date
on which judgment in rem is
entered in Plaintiff's favor.
(c)
Property inspections
as a recoverable expense under
the mortgage terms
247,50
Id)
Court Costs and fees as recoverable
under the mortgage terms, estimated
250,00
\" ~: " . '...: . I
'I, ;; 1'" j 1::
I, .:: i,."
':1 I:
: I'
','"
:! 'I,. I" 'I':..
TOTAL IN REM JUDGMENT SOTJGHT BY PLAINTIFF
$25,179.62
'I , Ti.I <It , ;1 J;"':,
Pdt "'I' 'It>!: I " ., :'.. ! !l "'I: !
tC'Ull;; '! : ::. me ) ~. t q'l'l' lll'! '.':
:;,'1
I! L I;: :"," J'/. '1 ,Ii
"
"" '/l/iti\ !"'lll:::';'!\f'lllld 1,11,0/ ,Ind ::,.
)"'I,':i 111
i," ......."1,:
child !Hl t:: !III1'('!Jd:;"I- ,it d ,'-:)1' : . I
:: ,l;, I: " ~__LI_~Lz,
iJi If th., rWil'! tl It.' ,.: ~'., ll'~; dl','. tu I),. l--.':i!lst;ltl'~d ()I-
paid-uff pl.tOI' t() till'> Sh"'l'jlf';; ,~,l)':, Pldilll.iff'r; ,'j('t,11dl dLtUl':V~Y:;'
fees (c<11ctlldt.-=:d at' COU!1.:3':"I I:; j;,'-)\ll'ly rat.:') will b.:~ Chul'qf::d b,l~;,-:d
upon wOl'k dCLll.dlly p<:'rf:ol'rw:d,
8,
lal
The ori.ginal f-H-i.ncipal balanc~~ ot the M01-tgCl.g,::-~ is
less than Fifty Thousand ($50,OOO,DOI Dollars,
(b)
Under Pellllsylvania's ACT G of 1974,
Pbintitf
Mortgagee is obligated to set''!!::'? Notice of its Intenti.on to
Accelerate the mortgage obliCjatlon by certified and by regular
mailir19, prior to initiatillg foreclosure proceedi!lgs.
(c) Appended hereto and incorporated herein by reference
as Exhibit "C" are copies of the Notices required, having been sent
on the date set forth on the Notice,
',I
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to
maY..p
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111\"; '/
011 Lb' ddt"'~ :;.'t l'ltlll 'Jll 11"" ,t :,'"
dppli(::lt~i(ll', fCll' fit:.,1l1"1d' I::::::;' 1:11'., IIJ1:'11 tiv' !j":l11~;yl~/dLi'I:[. '..""
Finane.>: Agf.'ncy,
'I'JHEREFORE, tl1i~ l-'ld1n~ i:: 'i"!li,Il:d:3:
Ellt ry oj l:ti(~m' ':It ill l"~-!rn cl.C]dl n~_;L tll,,:: Dt~ [,~,:tlddl1t~3
ab()v.~ ndllk'd Lll tllt':, t.otal amount ot $25 , 17S1 62 an
sLi:lted at PcU"dCJ1-aph G, plus all additional inrerest.
and late chal'g':::s Ciccl-uing through date of judgment
entry; and
fOl'ecloSllre and Sheriff's Sale of the subject
mortgaged property,
THE LAW OffICES OF BARBARA A. FEIN, P. C,
BY:
,~;y,w 0 ;{,
Illarbara A, Fein, Esquire
Attorney for Plaintiff
Attorney I.D, No, 53002
ALl..ltl'l nrlaln Iract of l,nel with the Improv.m.nt, Iller.an erecl.1I .ltll,l.
on Itl. Wall.rn .Id. of V'lraround Av.nu. In Ihl Borouan or (.'arll'I', Cumb.rland
CounCy. PIMeflnnl.. bounded and d..erlllld I' rallo'....:
ON tho North b1 praparlJ' now or former\)' 01 C. Il:. Bnnn.r. known II
US l".tr.round A"..nllc, on Ihc I!:ul by r..1rlll'ullnll A"cnlla, on Ih" auulh \.y
prllpuly now or fDrmerly or C. !l:. flrcnner. 111101110.. 401 ;r'lraround ^vrnue;
and on the W8II1 by an .II.yl.n 1101 rul wldl. Conl'lnlnl I"ourlun 1141 fool
Ellhl 181 Inch", mora or la.., In fronl alonCJ Ih. Wanern Itne a/l"elrarounll
Av.nuo, On. Hundr.d ThlrlJ-"lhl Cl~11 r_1 mar_ or 1,0. In dlrth nn Ih..
NnMIt..rn and Southern IIn... 'nd hlYlnl . whath In Ih. rur of Thlrleen IISI
r..l alon, an ,n.y. .
Till:: Northl,n &lid l5<'Iut/lern IIMI or lhe h.reln dcacrlbcd properly '"'In
Ihrllullh lb. oanler or Iho p...Utlon ...ne 01 the odlolnln. prop.nlu no.... Dr
lannorly at C. 1:. 8r1nntr.
Tin: ,ba", duerlbocl premllu art Improved wlln a 1"111 ,nd Dn,,-holt
(2 1121 ,lory !IriDic dwollln, hau.. "no"", &II &lid numb.red 424 rail'. round
Ayenl'..
EXHIBIT
IA
JI)f-: NI':','\1I111 JK
In:.\J.I'HOI'EHT\' ,\IOIIT(;,' ' ~1.,.n.llh""
"l f!uflJ /'f , t cOP'1 01 11'.
J \fUU J!,__ C fee
0r1U1,,;>>I ~ Umonl.
, ' ...'. ...
I "'(Jlll,;.At.11
, IIILt'I"I;I(IHJI'/c()~lr II C ..,NANCE...."'..
ZOOO('OUI'OIC,\'II': IJlO\-''':
SlJln:J65
\\- 1:\tOUU,I',\ 1511911
-
---
'""'Ml~ M411...PI1..r'...I:; 0' "'11 ""'" I c...., ,0"'.
-U;4 ..',\I U(;IWl.'t'I'U "\-',
C,\ltl.ISIF, I'" 17tJ!J
1()MjMIMIl!/I '.
]"....11 ---[l'llI'ICIl-'AL llAI"'Kf
__ .01/111('H _ _ ___ ~..!2_,~2JS__
TilE 'r\"1)JW'i '1,' '\It:. A~1l '\1'1'" Wt .IN 1'1.\11, ,\lllllll;^I;OHS ON '1 lit: ~OJ.; SECUHE!) U'r'lllN \IlIH '1;,\1;1'.
'1 lit: WIIMIl'i '\'(Hi' ,\:-OJ) .\'I)(:H' HUTH TIJMllltn:,\(;t:t:,
.\IOIt'II:,\(;t: lIt' 1(t:.\1. .:....-1",\.1.;. Io I.t~url' ['<Iymtlll (>1. nou: ""111..111 )JlIl1td t",JIY J>fl!/11I)'"1I t.) [..y yuu tht il~Jvt 1'llIl~II...III~t"/H.t 1",tU,,'r
wIlli ink'telol Ultrcun.t r.hc: 1I1lrru..t uu.nJ In u,e lII.unCl ~t {"rill III ule Nule w:,u/td hy thl, MHI1J1./te (ule 'No!.c.l, t.ch uf Lilt unJt"'lIl>C"dllunr...,
1"'/lI"n1,w:lb, .1~II'tcs. tllTtufh, Itltl.lotS an.J ~-<lnrUIll' l.u ynu ule rt,,1 e~le Jt\ol;l1t~d t~luw .nJ .1I1,rt:\Cnt "nd lulule unl'/llVtmthl, un tJ~ fr,,1
t'>Wtc. which I' J..:.tcd In rtnrnylw.IlIl,C.,unly o( ___Cll~!IIEI~~!!___~__~_.._,_ __~____(lht 'r'tnu"".j
SEE Arl'ACIIEU U:(;,\J.IJESCIUI'I'ION (~:XIJIIIIT,\)
n:R~IS ANn CONIHTIONS:
I'A Y~U;NTOJl' OUI.IC;,\TIONS.1f I p.1y tlll: N..(c .ccofO,Jillgto il.'> ttrm\, and ill othcr:s:surns ~,ulcd by Llli:s Mo;tgige, Ihtn Llli:s Mongagc wlil he
null and vuid NOTICE: See Pllge 2 For Additional Provisious (continued 011 uLller )jde)
In Witm:ss Whereof, Mortgagor(s) hereunlo subscribed (hi:i-her-th ir) name(s) on the d !e firs!. hove written,
COMMONW
COUNTY or
,1997b"m<mO t/e1/55C1 () GWL
(j
Llle undersillnedncLry,pcr50nalJy appeared JOE Nf.s.1[TII. JR. and N/A ,
:satisfactorily p:oved to me the penon(s) whose name(s' is (arc) :subscribed to Lhe above teal esulc mortgage amI Bcknowleds.:d that (he'she'!heYl
eleeuLcd!he same for the purposes therein cuntained.
Onthis,the
?B1H
dayef
FF.BRUARY
In Wiln........ wn..tf'nr '"....."n'n ~_. -I' ....ll..l and orncial.seal.
NOTARIAL SEAL
Mtl.lSSA ". GU'. .."u., ~U.LIC
L/J!t.I!OJiL () sl/uv
() "'- V /O(}{'
MyCu~"';,"e.ru~ "'(()V'Jf 10 :;/'/
/ r ' ,
Ce:rlUiuteurRa;idcne:eurMurtgage:e:
....._ ".~ '0". "OUN..,....
"'. ,....,.~,O>o ''''",,_ ~~..r. (, I.aa
"U"'l'~" ..t...."VLV......... ..,,~oc 0' ..or....'.'
Mol1gagcc huebyeertHic:s that its llddr=is 2000 COIU'OKATE OKIVE, SUITE J65
WEXFOKD, I'^ 15090
THE CIT GROUP/CONSUM~NANCE, INC,
By jell h{)/in d, II fJ() & ~
A...........,".......&IIoJtJMM'....
Recorded in the Office: of the Reeotdcr of Deeds In and for said County On
the_day of
,_, In Mortgage: Book_
Volume ,page:
Witness my hand and !he seal of said ortice the day and ye:lf afores:.id.
The crr Group/Consumer F1nance, Inc.
After Re~otdillg Moil To: 1'.0, 1J01 630, Marlton. NJ f180SJ.3941
EXHIBIT
'-6-
(5t~l)
(5e;l1)
(St.1t)
1'\\1", 111:'\'\. 1''-1 II ""tT ,.\1,\1,"1.:.",\,...(. "'llIl'''', ..t., " It" 1 II<' ,l..,. .",II...).I,k, ,1I1.u ". ...... "'1l",d',..!.h..lt..M, .....1.-1
,.11'" .r~1 "'l.~r,. I .!..IIl.... 'Jl'II".llI,t J'lrIUl........, IO-t,,'I!.rr '''1..'11,,,.,, ",In.", 1" 1/,.' 11,'11 "111,1,, /Il,"IIt"lIr. IU'lI,"11I 1../,,\1 IU""hn. r "" lJ,,' 1'1<11'1...'..
III )"", r."" in. 1""11 .",1 "",..JI,I...lI.f..d",y I., ~,.., .".1 Hl..",l.", .",1 ~"l' 11,.. l'h."I...-. 111 1t,..1rqq" .1 ..111m". .1..,,,,..1.,- 10 "" "llt,l)
M",IIl"lIt 'l',..'''''',ll)''''I,''..''n,I'''.""udll...,lirn,..........,'..'IoI,,,1,\'Il..11..I1,.....ld hl"',I'I..n,IUIII'",.I"'d''''IlI(II..I''du,1t "".I'''Il''''''
111"11 '",,,..u,ltn.ol..tl "'I,...d,..\<!' ",J<.h i"",,,.m;t In ~""'l''''' '''''''', II I f..d 1.1.1,...., II., .1t"'''111 )"U 1'.1 ...illl.' ,',.... ...,11,.,..1.1"1" 1"" "n
,k.....,MI, iJ,..III~'", 1"1.'1"\1 .111... IllklC'oI Ule,d t,"I" HI tJ... ~"~,'...',,,,,,J 1'1IJ,1> M"'ll'I'll~ " '.'11'''11.',11" I.... "I, II h", .111... '''11''''''1
1.....t"lml,'I('oI nl." 1< .,I,t..J 1.,ll.e ...,ml V\'ult,ll,y lJ,I. M"II11.It" .",1 .".., I., ."I"Ic.,.I""I...I\.', 101 In II." ...'", '''''''''C! 11.. II.., ,.1" I "I,hlt.ll"""
...'..lI.'J 1"11,,. "'''''Il.,t. lilt UI""lan~e [.lIlet l'I""hJ,1l1t I/,e 1"'''''1<,,' .d"lInll.. .I.,yt ...,tl,< d".....u i,) me \"!.~d I" ~""l '1'1"",.1...,..." ",,11
1,,111... "mc.",m..!,I! ,,,,It,!,tl.l ^1l1"'Ul.n~c 1"11I~n .n.J I..nc....!. .10..... I... 1I.",'/(.I,lr ", )''''11,,111'''''' 111,1",1... \I.,,,I.r,1 ".."III'IIC ,I..u\(' Y.,,, .1,..11
"~Vt'I'''"I1t.II"I",I.'lhc ,.,tr.I.,. 1",1 Itll......l, 1(,'"I"';"'lt,I",,1I ;'I"I".,(I'IIIO(loY">I.1I Itltll(,."II'.i.II"r1""""'.'''' ,1'1"....1,.."".. III II."
tH1l1 "f. ~'...,I ,,"llllhc "Il""I' ",111,'( III 11,e In,\ur.nle ..AllllI.",1 )"" y"" 11\"".1 ~'''" "1(1"11. flk '1'1,.,1 HI ~....,I 1,,11 III. .11""'''I~Iy I'f n,,'
Y'''Im.."", )''''''''1(1'''',1'''11,(,,1... '\tultlll..nl"ranyd,lIlH'HIl",!I.'I",11 I I.. It""..llll,,'III....n.l.lu'.dt..h '"''JI.",r'''''''I'''''Y'''I''' ",,'.11 """'~"
l'dl'".I"I'J1"l'-l ....1. 1,,-,,,,.,,,r,lll,;I,,,Iu'AI'ltrIlHUllldUIl,I,,"""'II,ld )"" '''',10'...1''/'''1'',' "",' ~"" t'lI,lI" .,,,11,'1.-1,, 1111'.....1.1,.1.1..",1 ~"" 1"1
.Il"'h..'y In I..d 10 n"I.'I"" Illy .!r.1I Ih"ldlll, .n.ll" "!," ""Y .."" .,11 I,...,f....f ,1~1l", "'t,'",,..., ~11'1 al! 11kr dL" Iltn.-r'~" 1l'1.1:nltl"'ll'td 1II',lIun.,'
1'''......,.,l...lr.III..,.I'I'II..Jll'II... h''oIwalion III Iq,..h of llu' 1'1",. 1I1.1,III"'j>(,.I",..1 Y"IlI"I("'II,II", 1I""r,ln.r 1"'''''',1. ,h.III 1.., .,.,,11..,11,,1/"""11"
<W:IUfnll'111,h f,l,,,tg'II'" ....1,..II,ll ur "'JlUl!"n Ull", w,111 'IlY e1l:",...... 1,.1,1 I., Ill..
CO:"iU.:M.....,\' '0,.... . nit 1",...Hd,llf .ny IWIUJ ut dJim (", tl..nr~l!r... ,/I/('d HI {OIl.\("III<'lIlJ.tI, jn \(JIIII..d"," "'"" III)' \"lhl,'nlll..11"" (11'''1,.1.11I'' of
m)' l,r"l'cl\y rut .j,ul,h~ u...., III .>41,e, LlIking u( III)' l\lI.ll ,,( lIlt l'I<'IllI....... III '''1 Clluv<'lallU' In lieu ut ."wkmhdll"II, i1lt 11""t.y "'-....'111'~.,1 ~"d Willi..,
1..IlJ Iu )'OU Il1d ",e: ~UI'rd IUUle hcn ut I/lU Kt.:UUJ lIy lM\ fo,l"rllldllt IlIllle ""till "r ll6killll"t ll,e Ptcmi.....~, YUlIlle .,,11""1/1'.1 hI {,,\ltd "lhl"I'I'I)'
the I'rllt.:ct,h,'1 y'"I'I'illit'n,eil1,et 10 Ihe rC~llIllilJn ()/ rt'I''''llllf tI,t l'lrm~........." III Ule: MHn".\ClulcJ hy 111i.. M"ltll'I{f', ...I,,'u,t' "'111' 11,,," .Jue
TITI..: .11,e I'rrmi....." ....l'Ie \ullve)'ed IOllle by I tlced ..lridll.\ ,,110(', 0' Ii..... t...cn, Il'WI,k,ll>dmc Uli.\ f,l"rlll.gc, ,",/1 ....".llllhe 11/11.' I<llhe
I'lcmi.,~... I (!l,Ulel W"IUlilul..lule IJeIl ereilt.:ll Ly tlll' M"rtl{.g,' b.. ...1,.1 .'hl t'lIfureul,r.. fi"llren, '1l1~IIJm..leunly III e.'.elntllh lI"lle"ul~II"'I.."f
lelorU un lilt oI..le Ilf Ihi~ MUltgallt, onJ 1I1atllllring Ihe elllile I..lm "rll.e N.~e, ..Ut.:h Ii.." WIIlI1lIlI.....I"m~ ,lll~'hllll.h: I" .llrU'1Il11 d....
IH;..: O~ S,\I..: OK ,\1.1EK,\TION. Exetjl( lllUlC~>t: dlCllll"I.I1~c'" ill \lohl~h (t,lelilll",wlIlllrlwi.-.e I'I"vj,Jn,1 w(1I 11111, ....lIh,,"1 111l/! "'11!it'lI
ton....1I1,I.dl 1>1 lu!\.\fu ule j'ltU'I.'>C) or .Ite', tell\ove ur dtl11ulbllUle l,uJldrnl{' <lllll!e I'lcmhe:.
UI-:t'MJI.T. I( I tld.ultln p.yil1g .ny Il,Ill u( 111e uhlilllllun K';UICU hy Illi... M<1llllillle .If if I ud'lIll in .ny .l(llcI ....y undel lllt' N"tl! <J! thl'"
Mlll1gage,ur 1I1l.lc'.IIY ,>411e, lIlllflgilge un 111e 1'lel1li.'>C.'I, YUll. II YOllllI,(jlJll .nJ IILcIUle dcllv..,y.]f Illy 11,l(ku Ir'luirt,1 Ulllltll..w l61'1'1r.~hl~ 10111'"
MIJIlllJgc .and l1lC l:~l'ltOllJ.i11 uI OII'Y time l...:tllJ,h I'WVi<ll'J II' AII.I, /l<(i,CA, (II.r '/';.;/"'I( Ule enlill: l)I,lig.lilln !ltllllt" Ily 11111 t\1"r1l1aIlC .fuc alhl
I'JyaMc wlUJUlll turthel Jcrnl6Il,I.nd rur(~h.>:oe till IlIb Mortllage r ag"'e Illl'''Y . IU.","ahle YUIl,ney''' Ice 1,10" wull ~,,"'.. If Illy ltH>lIey ~.. lefl "V,,,
.tter yuu (ured'N:oII tJl~ Mllttll~ge it will Le paiu to tllO: i'trl>lHl~ktlally thlillcll 1.11 it. II1It if Iny OIune)' i~ )1111 tJWillll, 11!llce: lu11.1Y YUIlII,c hJI.tn,e:
AI'I'OIN'I'I\lt:NT Ot. Rt:C.;WI-:H ANU ASSIGNMt:NT <<W K.:NTS. I ag'ee lhal yuu alc cnlilktlltl lire '1'1~1I1111llt'lIl uf. .......dver in allY <I,;li"n
It) fll1edll:'C un 1I1i.~ Morlgdge ilnd you lIlilY lIbu cnla the 1'lellll,'l>C:\ allll wlc pu,...,,:....iun lit lhcm, renllhem i( Ul" I'felH~""':\ ate IIll( allcady lenled,
re~eivc all rellL"lIn<llll'ply I1lcIIII" tile nl,lill.liUlI:\ ~eurtllllY lhi, Mungage I u......illn ,,1I,cnL..lo YUIl hul )'Oll HlIlee 11,..1 I Illay cUlllinue III C"II",llllc
rcnl..unleM lalll in tler"llll unJe, Ihi:\ MUIlgage 0' lIlc Nut.:
Rll:IlTS CII,\IIII.ATIVt: - Your lillhL\ under thi., Mll/llpgc willll>.' "'IJJrilll".lblind .'llll t.:ulllul.tLive: anll nUlI( uf Ihem will be ill udu,.i"11 uf any
ollret no, will any a..t of YUill:. he cllI"iJe,ed 8.~ on clcdiull lu 1',0.;['e,1 Ullder any llUe Ilfllvi.\llJlI llr Uli,) f,lnllll"lIe III tile exclu,)iol1 Ilf i!1l)' olhtt
I,ruvi~iun.
',:XTI':NSIO:-;S ANn MonU'ICATION ' Ea~h uf llle 11C1....'n... :.iglill1l1 tl,i... MllllllJlle aglcc...lJlal !Ill ulcll~i"n uf lUIlC '" ndl..' V,l!i.li'JIl o( allY
ol.hgaliun !.ecuted hy Ihi., f,lllllllalle 'tdll.freel illlY ulhct IIbligaliun,1 un,k"lhi~ Mortgage:
NOTICES - I aglee lhat DIIY Illlli<:e Dnd uemanJ llIay he givell I.) me .lll,~ PIO!',-'lly AlldlC......lly uliIil, unle...... alll~I'Cll!l(,llu..1 01 ,!.-livelY i... 1"II"lIy
te'lulIeu.
AJ'I'J.IC'\IJI,I~ tAW. The. Mmlgllge b; governed by applicahle PCIUL..ylvitniailnd Pede'i1llitw
KI-:CI~I1.1' OF COI'Y - I!.!dl or LlIC pC'~lI1ssillnl/lg UILo, Murtllalle adloll<lwln1IlcSIt'et'ill( <It II tIlll1jllelell allll ~igl1<',It.:"py ur llli~ MUlll!ilIIC
JlJNUJNG I-:t.'n,;cr . TI,e. MUl1gulle L1 binding on &lul lllllre:.lllb....h YUllr IIlld Iny ~1/..ct':..")r'lllltl8......iIlIL'
W^JV":R ()I-' JIJKY TRIAl,. Eo",;h or UI( i'er~1U.,~ignillllll,b MUlllI.ll!t' wilivc!> Ili.1 liy jllry in any dbl'ulc ari..illlll'lI"uanll<lllri... Mmlgallc <>r lh..
Nulc
,
SEEI'ACa; I HHIAIJI)lTIC)N^I,IMI10Il'l'ANTTERMS,
1.llHlI
l'IHl~IISSOlIY ~(lTE
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JOf: NE,"'~lITII lit
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CAKI.JSI,t:,I'A 1701l
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AMOl-IN ,-61 "I;l~"-' ~-- ^~~~~rJfO Iliill--~~9,,-
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The words "),. -mc,- -my," Inll .u.s" refer 10 all Borrowers ~illlling thi, Nolr.l1,c WIJf\h "YUIl" and "your" tercr III ILn,la lIt
(.rUtlrr's lran.~rcrcc Ir lhi.'! N,llc is uamf,tTcd,
1.1100lRO\Vt:U'S l'IUlMIS": Tn .JAY
III return (or I 11Ian lillI I ha\'c rective,l, I promise to pay the l'rindi';llllJl:tnu~ ~I.'clllh.lvc tn Ihe Ohler of Ihe I.ender ~huwll
ahuve, I Ul\llcr.;taml tllallhe l.t:nder mlY trll\:,fcr Ulb Null',
Z,IN'I't:K.:ST
I willl1ay inlere5t allhe Yearly Interest Rale ~hllwn Ihove. Yllll willl>e charj;cd interc~t on Ule unpaid principalunlillhe f1111
amounl of princillal hu been palll. Intw~5t will be ehllged beginning un tile d.ate !tlll)wn .boOve in the ~Dille rinanee Charge Begill.~ III
Accnlc" bOll. and will conlinue until the PtindJlal Balance has heen paill in rull even ir yuu have uhtained II judgment againsll11e,
J.I'A\'Mt:N'rS
(A) Time: and J'lace or ".ymcnb
I will pay !..hc principallnd interest by making paymen~ cvcry munth, I will make my montllly payments on Ihe same day or cal:h
monlh beginning un !..he dale s.hown above in thc "Datc Fi~t Payment DUe~ !lox.. I will make theS(' payment" cvery month unlill have
p.1111 111 of the Principal Balance ami interest 1'111 any olher charges tlescril)((1 below dlat I may uwc umler Ihis Nule, tr un the
"Datc Final Payment Duc" s.hown above, I still owc amounts under tllis NUle, I will pay !..hose amounL" in full on that tlate, whkh is
callctllhe "maltlrity dale," I will make my mon!..hly payments II Ule atltlrc:!..'! ~hnwn ahuve under your name or III I dirrercnt place ir
reljlliretlby you,
(II) Amount or My Monthlyl'ltymenl'i
Each of my mon!..hly paymenL'i will be in die amount shuwn above in lhe "Amoullt or Olher Payments" box. exeCI'I my fi~t
payment will he In tile amnunt shown above in Ihc ~ Amounl of Fi~ll'aymcnl" hml:.
4, MY FAII.UK": 1'() I'A Y AS REQUlKEIl
(A) Ilcrltult
I will be in dcrault if:
(1) 1110 not pay the full amount of any montJlly payment on time;
(2) I ddalllt untler the Morlgage as defineJ in Section 10 which ~curcs Illis Nole or under any nlller mnrtgegc whkh I enler into
wilhyou;
(3) I make an a.1{""ignment for the bcncfiluf cretlilot!l;
(4) I violatc or fail to abide by any tem or condition of Ulis Note or any utJlcr agreement I have with YOu;
(5) I have made .any statement ur reprc5ent.alinn It) YOII in connection with Ihis Inan which is ralsc tJf incorrect;
(6) I hegin (ur irsoll\eonc else begins again.sl me) a case in banknlpley, reedven;hip,reorgalli;atinll, rehahililatinn,insotvency Il!
Ilny otllermaUer whelheror notllimilar to lhem; or if a recciver,sc11lleSlrall1r, liquidator, truslec, guardian, ennSt'rvatnr or
olher jmliclal representativc is appointed fll! me or any or my ptu[lCtly; ur
(7) My [lr<ipctly bccomessuhject 10 a proceeding in eminent domain Ilr other similar govemmentalllctlnn,
Jr I am in ddault, you may require me to pay lhe full unpaid principal halance 111l1s lecruct! and unpaid intcresl and allY olher
llnmllnt.. Ilhen owc tn Ylllllllldcr Ulis loan, after the delivery or, allll lhe eXlliralinn of any lime peri-xl provided ill, allY 1I11tice rnJilirel1
hy law and applicahle!o lhis loan,
SE.: I'A(;(<; Z ",Olt AIlIllTIONAJ.IMI'01tTANTTERMS
....IUO NOT MEET MY CONTKACT Onl.lG^TIONS, 1 MAY I.OSE
MY 1I0USE.
I herehYllcklltlwlrdllC receipt or II completed IInd slllllcd copyuf this Nulc,
WITNESS:
l.!2ZdL,:,)(i r1S/jWL....., / /ft ~:t;:L
0'- ~~IP([~ (Borrower)
02/2./.7
([)atc)-'--'- ----
(Borrower)
(Date) ---.-'---~---
(Borrower)
(Dale)
,.mJ4IJjOlIlJ(V.1{"M'.~
1IlU",IO.'%II'""",I,"olob''''-I..",.,.,,,S'O,00l1
TltUE COllY - NOT AN OIUmNAI.
ill, ('IIU"I'III1HUtllI('b.,.
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"II I.. t"" "1.") linAl"I..JIIO"llul"'1I III """",11""101,10,,,,11 11l'lrIUllnltll'" "'fl,n,t 1:tl
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11,,1\1' 1/". 111[111 t" IlIAl.r 1"~JI'nl1, "r 1"lIhll'.[ 1.'I"'r Ilwy "1' ,1,,1' Aft'!' l'A~lI"III'll.,.k J~'f",,' II I' ,I.u' " 1.11""'1 ,I' ,.
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..Ill' II ),,,,1,..,,. 1f,,1 \rl ,....11<',' 'i.." rllll'lI)' 1"q'.hllill.UI<" t 1',lIlI" .llh,. Irr",. II,,, I"..n j, 1Il",1r Ml.lll" 1",1t "Ill" dll~' ,..hllld,.d ,11
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1/"""1:" "..III'm "1.11 ill~l""ll,r i, 10 h,. "Io1.Jhl,.,IU'Irl.lY 1I1,li/r Ui"iIlK lllHtll[....llIllllll"l ol"..ill irl\"ulI.r 'JC"i'lol ollll, "ob
~1l,1'''\Il,lhy,"di" 'Ut""I11'IUlI,,,rl"\rtl,lrlloyolllr'llIi'.., ",ith 1,l'\','ay."'rtl..,l....""Ali\fUllllylll)'"U
7,:\n'\\'I\J\'Ut"i
I....."ilr my ,iIl111' 10 ,rlllli,r ~"1I III 110 Hrl..inlllil'lZ' l1ul\(' Ihillll' .,r, (^, 1<1 Ilt'IIl..,1l1,1J),lIflll "r Imolllll., dur (1..llown ,I~
1'I...r/lll1l,,"I"); (II) III,li\'r IH'lkr th.I'II11'unl' Ilur "a\'r 1101 ".:rn I,,,,h.l ("nown ,n ~nulit:(' or c1i,/I"lIor"l, (C', lolo/'I.,in an "llki.,1
trllHiralilln of l1011p:lYIlIrlll (I..nnWTl I' "1'11I1""-) AnYllllr r1,1" iiI .....hll Illtrrr~ III ......p Ihr ptlll11i\(',\ /I1",lr III lhi, N"lr, Of (ii) ....1",
aj:Il'''' IUIlI:I"l" ":lymrn.., In y"u ,r r r.illn "rr!, lilY fllollli~.." IlIldrrlhi, N"lr, Of (iii) ....111. ~iP;ll' Ihi, Notr 1,11',lI"rrr it 10 ..OI11,.onr r1,r
(1..I1O)....n:l,~.l'lu.u.tlll,,",'lIf,.,'r',:Ill1lrl1"llNN"),lIl\1I.....:li~t..'1/I.....rtillhl'.
H, CIIANla:"ifl)f':I.^ Y IN ,.:NrORt',.:l\n:NT
Nu dlJnltC' lit clIncdlalhm uf thi, Nore .,hall he {"Un'li~r unIt'" tllr dlalllt,. 1>' Ul1t'elllllion L, In wrlliulllllllllla... ll('rn !\ip;llrtl by
Y"U IIl1d m~, YOll can tlrlly I'lIrurdng,lIr railtll rnrllfl'r, any or all of your Ul11rliir:.. unt.!r, 111i., Nulr \.Iilltl1utJfl'~irtp; Ih".,r Of ollla
trmr,liunrrip;hl"
9. W\'INI: 0,., NOTIC,.:S
AnynlllJccl11~1 r1IlL..( I~ Ithrn fUIlle' undrr Uli,N"le .....ill!lr p;i't'rn hYtldhrrinp; ilor hy m,li1i1l1l illld,lrn,\(',1III 1l1(' atllle I'WI'C'rly
AtldtC'~, Iho\'r. ('xcrrl if Ipplicahl(' Ilw r('lluirr., Inolhl'f rnctJlllIl of r1rli't'rty, ^ noller will he t1di\'(trllln 1Il(' all clirfrrrnl "'e1drr....'i if I
Iti\'(' fOil a hnlke of my t1i(fl'unll,lclrcM.
Any nlllit>(' ll'lll nllL,1 he Itlnn 10 yuu lIIula IhL.. Null: wjJIlII' Ili\'rnl,y /l1.1ilinll illll you al the ll("hr~, .,I,llrd ahovr t'Xl't'pl ir
"1'I1Iic:thr(' law trtluirc" anllthC'r IIlrlllllll of ddivC'ry, A hnlke will he mllilrllln yuu It. t1iUcr(,lll11tltlrr,'l.' ir 111I1Ili\'('n" nollce or lh;1l
dirfrt('hlluldrr.'l..',
10. T.IIIS Nun: COv,.:REIJ II\-' ^ MORH:A(a:
A Morlllag(' of Ule ~fIlr d:rle cllnl.1ininjt I de....cription or my real ptollCtly pflllt~cl, you frolll'IIl:'i.~ihle Ill'l.~r!\ .....llieh l11i~hl tr.~tllI if
1 tI(I nlllkrrp Ulr promL'tC':.. wllkoh I make in tJ,i!\ Nolc, 'Illi.'! Noll' i~ !iCcurrd by Ihal Motlll.ge, Thai Murtllllllr dr.'\Crihe:..llow antlunrlrr
.....h,'1 rondiljl1ll, I mllY h(' fCI/llirrd lnlllak(' inmlr,liale paynwl1l ill full nf allllllounl, tJmt I nw(' under Illi:.. Nolr.
II. R,.;SI'ONSII1IUTY Ofo'.'ERSONS UNIJER TillS NUn:
If more Ihan one f1c~m .'tlllll' tJli.' Nnl('. ('ach of 11, i.'t fully 81lt1 pc~unally nhlillaled 10 pay UI(' full amounluwrd pltt'i Ih(' charge...
:1,'1 tk'\Crihcd in Seclioll 4(C) atH)'t'e 811,110 krrp 1I11nf ll'e ptnllll.'iC.'t made in tilL, Nole. Any guatanlur, ,'lIfrly, 0' ('ndor-u:'r of lhe Nole
(:I.~ IlcllCrihed in S('clinn 1 ahovl') i.'t a!.\{) ohligalet!ln do thr.~e tJlings, YOllmay enforce your righL' IImlrr Ihl, Nule again.'!1 ('ach or It 'I
indivitlll:llly or again.,t 1111 nf It' togetJu'r, 111i:ol mran.'i Ihal :rny one of Il~ IIl:lY IIr f("IUltrtllU P:lY all of IJlr :lIllOllflL'I ow('d under 1I1i~
Note,
Any fl('Nm wlLu l3ltrs lJ't'e' my rillhl'lllr ohlig;uioll, undrr Ulis Nole will ha\'e 811 of my rlghl'llllld mil'! h'rp all or my promises
In:l.le IlIlhl., Nole, Any JI{'~(Jn who l3kc., o\'e' tJle righl' or ohlill:ltiml,of:r Iluaranlnt. surely. or rndllr.irr of IIti.' Nnle (11.'1 dC!ictibctl in
Srction 7 3111)'1'C) i,: a!.~u "hUgalell In k('cp all nf Ihe promises made in till., Null',
12, AI'.I'Ut'AT.lON U,.'I)A \-"1\fENTS
All paymenl' reccived by you sh:rll be applied 10 accrued and ullp:rld inrerl'sl 10 tJle dale of p3Ylllenlllnd lhrn In tJlC unpaid
I'rincipalnal:lnc(',
13, I.OAN CHARGES
If a Ia.w. which applJe.'t 10 dlis 10:ln and which scl'i 1T1:r~illllllll lo:rn ch:rrgell, is finally Inlcrprelrd sn Ihallhe inlerrsl or ol/It't loan
ch:lrg('s col/ecled or 10 be collccled in conncction wilh lllis Inan exc('ct! lllr prmlilletllimiL', then: (i) Iny such Ill:ln c/iar~e Ilhall he
r('c!uc('d hy the amounl neccss:uy 10 rcduce Ihe ch:rrge 10 tile pcrmilled limit; and (Ii) Iny sum,~ Ilrr3r1y colleclcd frolll lIIe
whleh excceded pcrmillcd Iimil'! will be refunded to me, You may c/ionse 10 make (hl.'t refund by reducing llle "rindp:l1 I owc under
Ulis Nole or hy making 11 dirccl paymenllo me, Ifa refund r('duec:,; principal.lhe teduction will be Itealt:d a.'! a P:Uli.,1 prep:rymenl.
14, AI'I)I.ICAIJU; I.A W
Pcnn:,;ylvania law anti :rny Dpplicahle Fetlerallaw Itovcnl!ilhl.'l Note, In Ule (''t'rnt of II connJct belween any I1tlwi.<;ion of !.Ilis Nole
and any Frdetal or Penllsyl't':rnla stalure, law or regulalion in dfccl a.~ or the dale of Ihi:! NOle, lhe Sl.11ule, law Ilr tcgublion will
Clll1trollo lite exlent nf such connicland Ule provision contained inthi.<; Note will be wilhouI e((ecl. All olllCt prnvisions of thi.<; Nole
willrclT1l1infllllye(fectivellllllellfnrccahle,
i
,
I
.
\
SEE IIA(;r-; .I H)J{ AJ)I}ITIONAI. IMl'OnTANT TERMS:
"
2-111111
.
lIlt' l~i r ,;"",1"
C\)<1'\(I'"'''' ,n,l"'" I"
^~v'l ';,.......u. '.I"I!!'!
PO Bo_ :41;10
O~I,)l\or",IC.'1' UK l}l,l,"il,",
t,~C() 1,;'1 14.1;
July 14. 1998
:1
JOE NESMITH JR
424 FAIRGROUND AVE
CARLISLE, PA 17013
RE: The Cit Group Reference No: 620.13700075
Property Location:
424 FAIRGROUND
City of CARISLE
County. CUMBERLAND
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
Dear: JOE NESMITH JR
The Mortgage held or service by the CIT Group (hereinafter we, us or ours) on your property
located at: 424 FAIRGROUND, IS IN SERIOUS DEFAULT because you have not made the
monthly payments since: 02/05/98 through today. The total amount required to bring your
mortgage current is calculated below:
Payment of $ the 5th
per month due on 236.30
of each month to the
date of thisletter and each
month thereafter,
$ 1181,50
Late charges o( $ 0,00
per month due after the
fifteenth day of the
month from 02/05/98
to the date of this letter
and each month thereafter,
$ 0.00
TOTAL AMOUNT OUE:
$ 1181,50
You may cure this default within THIRTY (301 DAYS of the date of this letter, by paying to
us the above amount of : $ 1181,50
EXHIBIT
I~~
The Cl T GlOlJlll
Con~umrr r,n,Ir".' In
A::.o;.cl ~:l~r.,u' C.'f,:.':
PO Bu. ;?4(,10
Old.HlOrn,ll:.ly 0.... : Jl1: 'i',"
1,600,1);'1 14),'
PLUS any additional monthly paymellt~ and Inte cl1or!1e~ which may fall dun chHino this
period, Any additional monthly payments and lato charges will accrue at the amounts set
forth above. Such payment must be made either by cash, cashier's check, certified check
or money order, and modo to:
The CIT Group
715 South Metropolitan Avenue, Suite 150
Oklahoma City, Oklahoma 73108
A TIN: Rick lewellen
If you do not cure the default within THIRTY (301 Days, we intend to exercise the lender's
right to accelerate the mortgage payments. This means that whatever is owing on the
original amount borrowed will be considered due immediately and you may lose the chance
to pay off the original mortgage in monthly installments.
If full peyment of the emount of default is not made within THIRTY (301 DAYS, the lender
also Intends to instruct our firm to start lawsuit to foreclose your mortgaged property, If
the mortgage is foreclosed, your mortgaged property will be sold by the Sheriff or other
similar official to payoff the mortgage debt, If you cure the default before we begin legal
proceedings against you, you will still have to pay the reasonabte attorney's fees even if
they are over $50,00 Any attorney's fees will be added to whatever you owe the lender,
which may also Include our reasonable attorney's fees even if they are over %50,00, Any
attorney's fees will be added to whatever you owe the lender, which may also include our
reasonable costs, If you cure the default within the thirty day period you will not be
required to pay attorney's fees,
The lender may also sue you personally for the unpaid principal baiance and all other sums
due under the mortgage.
If you have not cured the default within the THIRTY (30) DAY periOd and foreclosure
proceedings have begun, you still have the right to cure the default and prevent the sale at
any time up to one hour before the Sheriff's or other similar official foreclosure sale, You
may do so by paying the total amount of the unpaid monthly payments plus any late or
other charges then due, as well as the reasonable attorney's fees and costs connected with
the foreclosure sale and perform any other requirements under the mortgage, It Is
estimated that the earliest date that such a Sheriff's or other similar official's sale could be
held would be approximately seven months from today. A notice of the date of the
Sheriff's or similar official sale will be sent to you before the sale,
Of course, the amount needed to cure the default will increase the longer you weit. You
may find out at any time exactly what the required payment will be by calling us at the
following number:
1.800.621-1420
An affiliate of
The Dal,lchl Kanqyo Bank Limiter]
c:; N ER:
" .CunpItil....".'WI4I;.JI2fc.-~~,
"ii .~....".~.......40,
. .Prn: yOI6M1ne.--d ~ on'- ""rwot~ Mm 10"* _un t'If.,.mrhe
. W'd~rou.
Ii 'Al%a:hINSb'mlDlt..fI"ClrIoIh~tI'nnltwbadl:If""'''rQ
e .....L
. 'Wrftl'''sam'**~on\hl~btbwltltl~rurlb<<,
ii .n. n.wn I~. _g tMw to \Iot'dn.. Mtd.... ~ tnd,. ON
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:.s~~s'rni~ -Sg,
1ollo _10 I'OCOlv9lho
1011""""" lIQMQlS (let an
oxtrl rll): Ii
1 11 ",",-'. Addt.... !
2, 0 n..~ OlCrvury eX
C<lniLll pooo....wr 10, r..
S. A"""ived By: (Pmt~)
~
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o
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994
.....~..,_....,-,.~,-_._..
. .....'-,.-. -. - '_ ' '-.__04"..--'"
, 'C SENDER:
J;g . C4rnptN IlIma 1 and'or 2 tor adti1ion.11 $1tMC:e&. J also wish to receive the
'1 ., . Camptnlllem' 3, ...., oVId~, ,; folloWIng 5eMces (for an
; lD . Prlnt)'OOt ~ ~ aOClI'HS on the rewa., 01 uw lOrm $0 trial we can f.QJm ItU OXlra fOe):
' 1'1 cardfoyw. .;
'. ~ . All#tIl1\la form to lhIlronl nllhe ITlaJl~, 01 on l1\.e bed( 11 &p1C8 dOes nol 1, 0 Addmssse's Address .;!
'~ p.Ml'IJl L..
. . WrllB ."Mum R808ipt R~ on I,. rnalipIIa below !he artide nutn~ 2. 0 Restricted Oellvery ~
: ~ .1bIR5lumA8ctlipt""'Il$hOl,WlawnomIl'18atticiewasderN'rocl&t'd171.~:a Co '"
. ~ " 'doll\l~, Mutt postmaster tor fee. 1i
] 3, Miele Addresse<llo: .., ~cI. NUt't) 4 J
i ~'~P1~r"'\. ;;'A~':~:. YJCorUnod j
"t'~ ar'"'1'tl1'1 V~ [JElprassMaiI (~n5Ured S
..I _ 0 Retum ~l' IAolthand.. 0 coo ;;
Cyh :'Ie( rl611 7,0 ~
"
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~
Domestic Return Receipt
""
. " ',"'" ....,.. .."1" ",. .'..._',.. '..,":0...
'.-
P 151 105 899
To"..'.t,',,,,,,;,
""',,"""/"l,ln,"
I,."; I"J..l,l! ':;"f\"(I'
Receipt for Certified'Mall
~j() In'.iuF;lnCO CQVlHJf]O Provrdod
Do "01 u!;O lor lnlorn,1110na' M,lll rStJ81OVl1fSoJ
',...,'110
A...,t<!l ';"'\;1(1' (:""""
P(J lJ(,. :4tilJ
Okl.Jf1.)Jll,) 1.,11 01', . ~ 1,',1 ' 'J 1 ')
It'l 4D'J '14') 14CO
W)iJ'J;'114j:
:~71'l!I \ ~lurT\Df!1
~')~' ~'C"', Sidle ,\ liP Cooe
I"J\ld'jO
s
June 25, 1l)9S
C~ftj!,ed File
5penal Delrvery Fee
Account No: 13700075.6:
F\eSlnC1ed DeheryFlltl
'"
g: Relurn Aeclllpl ShOWll'IqIO
... 'MIom & Dale Oe~ve~d
~fl.eMnRec:mShJwr1910Wh:rn,
0( D~:e,!AdO'~M'sAdltes.s
o
o TOTAL Postage & Fees S
'"
M PostmarkorOale
E
~
Ul
a.
Joe Nesmith Jr,
424 Fairground Ave
Carlisle,PA 17013
ACT91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
PLEASE READ THIS NOTICE, YOU MAYBE ELIGIBLE FOR
FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS,
Your mortgage is in serious default because you have failed to pay promptly installments of
principal and interest, as required, for a period of at least sixty (60) days, The toulI amount of the
delinquency is $ 945.20 sum included the following:MARCH 5 1998, APRIL 5, 1998, MA Y 5, 1998 AND JUNE 5,
1998,
Your mortgage is also in default for the following reaon: LACK OF FUNDS
You may be eligible for fmancial assistance that will prevent foreclosure on your mortgage if
you comply with the provisions of the Homeowners' Emergency Mortgage Assistance Act of 1983 (the
"Act"). You may be eligible for emergency temporary assistance if your default has been caused by
circumstances beyond YOl'r control, and if you meet the eligibility requirements of the Act as
detennined by the Pennsylvania Housing Finance Agency. Please read all of this Notice, It contains an
explanation nfyour rights.
Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty
(30) days from the date of this Notice, During that time you have the right to arrange a "face-to,face"
meeting with a representative of this lenderl or with a designated consumer credit counseling agency,
The purpose of that meeting is to attempt to work out a repayment plan, or to otherwise settle your
delinquency, Thnt meeting must occur in the next thirty (30) days,
If you attend a face.to-face meetin~ with this lenderl or with a consumer credit counseling
agency identified in this notice, no further proceeding in mortgage foreclosure may lake place for thirty
(30) days after the date of that meeting,
The name, address and telephone number of our representative is:
Tamechia Hurt
715 S, Metropolitan Avenue, Suite 150
Oklahoma City, Ok 73124
Telephone Number: 1-800.621.1437
EXHIBIT
An affiliate of
The Dar-IChl Kangyo Bank limited
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'nH~ n;lllll'(..l and addrcsslcs) of tal tlc'il~',natl'd (Of}'}urncr crellil counseling. agctlc)'IIC\ lis LlrI.~ I
Urban League of Harrisburg
28 North 2nd Street
Action Ilousing, Inc,
Number Two Gateway Center. 10lh
Harrisburg, PA 17101
(717)234,5925
Piltsburg, P A 15222
(412) 281.2102
It is only necessary to schedule one face-to~facc meeting, You should advise this lender
immedialely of your intentions,
If you have tried and are unable 10 resolve this problem at or after your face.to-face meeting,
you have right to apply for financial assistance from the Homeowners' Emergency Mortgage
Assistance Fund, [n order to do this, you must fill out, sign and file a completed Homeowners'
Emergency Assistance Application with the Pennsylvania Housing Finance Agency, The consumer
credit counseling agency will assist you in filling out your application, It must be filed or postmarked,
within thirty(30) days of your face.lo.face meeting,
You must either mail your application to the Pennsylvania Housing Finance Agency, or you
must file it at the office of one of the designaled consumer credil counseling agencies listed above,
The Pennsylvania Housing Finance Agency is located at: 2101 Nort Front Street, P,O, Box
8029, Harrisburg, PA 17105, Telephone No, (717) 780-3800 or 1.800-342-2397 (toll free number),
An application for assistance may be obtained from a consumer credit counseling agency or
directly from the Pennsylvania Housing Finance Agency,
It is extremely important that you file your application promptly, [fyou do not do so, or if you
do not follow the other time periods set forth in this letter, foreclosure may proceed against your homc
immediately,
Available funds for emergency mortgage assislance are very limited, They will be dispersed
by the Agency under the eligibility of criteria established by the Act,
It is extremely important that your application is accurate and complete in every respect. The
cOllllseling agency will help you to fill out the application. The Pennsylvania Housing Finance Agency
has sixty (60) days to make a decision after it received your application, During the additional time,
no foreclosure proceedings will be pursued against you if you have met the time requirements set forth
above, You will be notified directly by that Agency of its decision on your application,
Enclosed also is, You have already received, In addition you will receive,
another notice from this lender under Act 6 of 1974, That notice is called a "Notice of Intenlion to
Foreclose". You must read both notices, since both explain rights that you now have under
Pennsylvania law. However, if you choose to exercise your rights described in this notice, we cannot
foreclose upon you during that time. Also, if you received financial assistance from the Pennsylvania
Housing Finance Agency, your home cannot be foreclosed upon while you are receiving that
assistance, #
Collections Departmenl
1,800-621-1437
This is an allempt to collect a debt and any infonnation obtained will be used for that purpose,
An affillClle of
The Oal,lctll K~ngyo Bank Llmlleej
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