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Home My WebLink About98-06347 I )1 ~I . .~ ~ " I~ I~ If } c;J \l ~ 0-... 1- \. I 0 \~ I ;2 , c . - i- t .J I~ ! I I I , , ! i ; i , i i i ( , " ~ , , \ - .. I -~ .. 10 to- '::J.... cY') ~ , c... ~ ~ NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages. you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Court Administrator Cumberland County Carlisle, PA 17013 717-240-6200 assigned to PlaintiCf by way of assignment to be recorded. 2. The Mortgage Hecures Defendants' Note dated 07/31/86 in the amount of $47,700.00 payable to Plaintiff in monthly installments with an interest rate of 10.125\. 3. The land subject to the mortgage is: 775 Erford Road, Camp Hill, PA 17011 Please see copy of the legal description attached hereto as Exhibit "8". 4. The Defendants, Charles A. Ludwig and Mary Jane Ludwig, are the Real Owners of the land subject to the mortgage. The Defendants address is as follows: Charles A. Ludwig 1514 High pointe Drive Apartment B HarriSburg, PA 17110-9224 Mary Jane Ludwig 1514 High pointe Drive Apartment B HarriSburg, PA 17110-9224 5. The Mortgage is now in default due to the failure of the Defendants to make payments as they became due and owing. The following amounts are due: Principal Balance Escrow Deficiency Interest Calculated to 10/22/98 Accumulated Late Charges Property Inspection Fees Other Fees Attorney Fees TOTAL $43997.92 $ 5939.92 $13620.58 $ 592.20 $ 282.75 $ 60.00 $ 3224.67 $67718.04 plus interest from 10/23/98 at $12.21 per day, costs of suit and attorney fees. 6. In accordance with the provisions of the Act of January 30, 1974, P.L. 13 NO.6, Section 403 (41 P.S. 403), a Notice of .... ~ Intention to Foreclose Mortgage was sent to the Defendant by regular and certified mail on 09/16/98. A Notice of Homeowners' Emergency Mortgage Assistance was sent to the Defendants by regular and certified mail on 09/16/98. A copy of the Notices are attached hereto and made a part hereof as Exhibit "C". The Defendants have not cured the default. l' .t WHEREFORE, Plaintiff requests the court enter Judgment in Mortgage Foreclosure for the sale of the mortgage property in Plaintiff's favor and against the Defendant (s), in the sum of MATTLEMAN, WEINROTH & MILLER $67096.23 together with interest from 10/23/98 at $12.21 per day, costs of suit and attorney fees. 121/45830 / / /./.~ -, . ..J/ P' BY: )ki }p-' J' ~Oh'7'-''''1 ~ Marissa f'l. O"&n ell, Esq. /6629 I I , .~ ~ w Vli!!l.F 1 C 1\'1' ION SUSI\N G. IlIlMGl\llIlNlm, ntates that she 10 an Officer of Mellon Mortgago Company, Plaintiff herein; that sho is acquainted with the facts set forth in the foregoing Complaint; that the sarno are true and correct to the bost of her knowledge, information and belief; and that this statement is made subject to the penalties of 18 Pa.C.S. section 4904 relating to the unsworn falsification to authorities. s~~~~ Officer SEP 04 '96 15'15 FR MELL~ REO/FlFECLcr-X:R303 837 2245 TO 912155674151 P.03/14 UN"')IIIMC, .I\ITS D.t,o." Ind l''''4t1 ".~ftl...U ."4 "Iret It (,) I. r.,m.,,, 01 ,"lnclnl.,," Ift",..I; """""'t~llfI' WI. Cha,.IS, _"0".' ....11 p,omptlr Nt ..Irt." 110I, lhe ""neir" of,nd i'''tfnt on 1~1' d,bl ..,.tdr"C'." It)' rtlt NoJlI J"d .ft, Dlc,.,rn,,,,,,," laIc ('fla"" dwe "ndcI ,", .'\iI'lU Z. '"nds ror rUtS In4t"'u,,nCf, Swtl,ec: UtlCphcnlc14wor 10' .,m(n _.nt' by L'''llfl. &,tn..,. .",,11 PI) 10 Lende, on Ihe dlY monll'lly P'7,"11\1,,,, dvt 11"0" the NOlI' ..,,,..I.h, ""01, II p..d 'n (",II... ,,,'" '''''\11'0'''' >411",1.. Ont'l\W,lflh or~ (I) tUr'; 1.les Iftd Uk"tr'lC'r'l1I w'''':'' """ .11I1'11 l'IflOnlJ I).,t 11\., 5<<\lfll' In"'"m':"l. 1~1 "..,1, IcuthoJd pl)'mlnlS or !;tOIlI'lO tml, .n ~". 'rtpttl';', If ""y: Ie) .,elfl)' h.lUfC in,,,u",, rm~ml...rn'. .".. lei I '\';1'1, . ,"0'11'11 inlurane. premiums. If A", nuc ilel'tU ,ue "lid "no.;tt\... II,,...," Le"der ""y "'I,mllflh, F~I'l,'_ LI~(' ,'lIlhe 'USIS. O(C""flll CUll .alld rUloOn,ble 611m'lff o( (III"" tllr,,,,' "unto The FllndJ sh,lI be held in Aft In'llI~IIO" ItlC aCPOII" or aecot,:r'lU of which are I,ullfea or ,IIU)lllUCI by. (~"C'JI Or IIAII 'a,ne)' (i"e1~dj". Lllwhr ,f L,rtdrr.I .,.,,, an "UIIIUt,Olll L.."der stu,1I .ppl)' 11'1, F~'I\:' tQ pay 'lie Nrnw. llfl"l\ LUtdc' m.y nOI eh."c (0' holdinl and IIppl)'IIlIIM Punch. .nlll)'tln, Ihc UtOU"1 or vr~lf)'I"llhc ftC'ro. IIrml. unlco-s Lender PAys Borrower InterC11 011 Ihc FWIlds Ind IpphCllblc 1,_ pcnnllJ Lend., to m":e: Iud" a e:1\:"I" 8101"'." ,"e tender mAy A,ree in ..nllnl It'AI rnlCfnl '''aJl be pll<l Oil 1""_ FUllcU l,;fl!en III "r"ment il mid, or .rt~ljublc 101* r~ujrd inlCrCSIIO be plid. Lender ,hIli nOI be rrqulrtd 10 p'" Borro..er an)' inlernl or nrnln,' on Ihe Fundi. LentSer I~II p"" 10 Borrower. Wilhoul char,c,lIn 1n"\Ial KCOUI\II'" orltle ,""AJI showln, credlls IIIG dcbilS to I.he FU"ds .nd the purpose ror whieh ueh d.bit tOlh, f'lInd, ~a' "'Ide, The Funds Jrt p1cd.f'd as addiliolll' ueumy ror the ,um"ecured by 11'11$ Security InstNmtl\t Ir che amount or the Funds held by Lmdcr, tOcclMr _:Ih the t\u\lrc mOnlhl)' paymf'u, o( Fund' payallle pnor 10 Il'Ie due data ot the escrow tleml, shin UC"~ Il'I.amCuftl rtquircd 10 p.lY 'he nero_ items whrft due. rhe elCC'U shall bf. II 8otTOWCf's optiOl\_ ehhet promplly rq>ljd fO Borrower Clr credited 10 Borrower on monlhly paY""n" or Fu"ds. 1r the amounc orlbe Funds h.ld by Lender is not !ulftcltnr to p'y ch. acro_ items when due. Borro...,r sh..1I 'II, III Lcnderln:w' amounl necessary to make up the clcfieimcy in Ol'le 0' more paymmu IJ reqUited by lender, Ur-on payment in rull orall Sl.ImJ $Ccurcd by Ihls Seeunry Instrlolrncnl. Lendcr shaU pronlpdy refund 10 Borrower any Funds held by Lender. Irunder parl,raph 19 the PrOpc'rt)' i$ lold or aequircd by Lender. Lender shall.p"ly, no laler Ihln immC'diatcly prior to the: lilt ot lhe Propen)" or liS acquisition by Lender.lny Funds held by Lender Illhe lime or applic=cion as a credil a,ainlt Ihe Surns k(uted by Ihis Sc:atrirylnstrum'lIr, 3. App'icado. o( Pa)'maltl. Unlcsa applicabl.lIw pt'O"<ridts othuwilC. aU payments rcce;ve<S by L.nder undcr PJraITlPh$ J ~d 2 shin ".pplied: 8"" Co '"cch.rla due under 1111: No~ second. to prcpaymtnl characs due under Ihe Note; third, to .mounts payablc. under pan,nph 2; (ount!.. to inlerest due: and rut, 10 pri"ci~1 due, 4. Olar,cs; IJus. Borrower ,h.n PlYa.U wcs. 'UGlmenls. dt.rICS. 4n. ll\d imposldoftJ auribueable 10 rhe ProPC'rtY 1ll'hich may analn prioril,. OVct Ihis Scc:uril)" Instrument. ~nd lasehold paymC"ftls or ,round tenlS. if InJ, Borro*c.r shaJJ ploy Lbc:sc obJications in lh. manner provided in plncraph 2, or irnol paid In lhAt m.nner, Borro_tt .1'10111 pay them on time ditC'CtJ)' (0 ttlc penon olMtd paymenl, Borro*ct shall promptly I\Imlsh co Lender all notices or .mounls to be paid under this pangraph. If Borrower makes lhoc: payments dirC'C'l'Y. Borrow(f shall prompll)' (urnish '0 tender tC'eCipu cv;dencin, the paymCtlIS. Borro",., wll promptly dLseharJe any lien which has P';OriIY oV!'r thLs Security Insrrumc:nc unlas Borrower: (a) ,srees In ....ridn' to the payment orlhe obUprion secured by che lien in . manner I=-puble 10 LcncS.r: (b) eoneesu In ,ood r.ich the lien by. or defend5 aClinsc cnlllrecrncnl orlhe lien in.lcpJ procccdinp whieh In che Lender's opinion opcnlllo prevent Ihe cn(orcecnctU ot Ihe lien or rorfeiture or any put oflhe Propeny: ot (c) secures rrom the holder or""eJi,ci1.lft , "rcement satlS('C1Ory 10 1.crlder suborcl.ln.tinc the lien 10 this Securicy Instrument. If Lender d.l.rlt1incs Ih:u any pan of Ihe: Propen)' is subject to a lien which ma)" altain priorilY oyer this Security Inmumenl. wdc:r may pyc Borro..er , notice idenllryinllhe lien. Borrower jhall Porls(y the lien Or lake one or mo~ ot the acllons set fonh lbo"e lIrithin 10 days oftheaivtns oCnodcc. S. Huard Insunnec. Borrower ,hall keep the Improvemen1s no.., ubllnl or hereafter erC'C;'le(I Ort Ihc Propeny Insurcd.sa1nsE lass by fire. hazards included within the term "cxtc:ndc:d coverlee"and any olher haurds rorwhieh LUtdc:r requires insuruec. This insur.l.n<:e shIll be mainllined In the amounts and for Ihe: periods that Lender requires. The insurance carrier providin,lhe iruursttce shall be chosen by Borro"'" .ubjecr to L.endct.s .pproval whiCh shall nOI be IInreuonably withheld. A.Ulnsuranc:e policies aI\d renewals shaJJ be acc:c:ptablc 10 Lender .nd sh.1I include a Standard monplC: cfallse. Lmde:r shaJl have the right to held the policies and rencwals. Ir Lender requires. Borrower sh:lll promprJy cive 10 Llmd., .11 receipts or paid pmniums Ind tt:newal notices. In dle e'rent of 10Q. Borrower shall s:ive: prompt nOlice 10 Ihe insurance camer and Lendct.l.a1dc:r rmy m2ke proof orlots ir not made: promplly by Borrower. Unlas Lender and Bonowuotherw~ agree In wnei,,!.lruurance pf'CCC'ed1 shall be applied 10 fcstoradon or repair lIf,he Properl)' damagect, itlhcYc:uoraritll1 Of rcp.ir i: ccOftomica.lly feasible and Lender', SKUnty Is not lessened. If the tc5loradon or re:pair is not economically tcuible or LCtlder's SC'CUrilY \IIould be lessMed. Ihe Insut.nce pto<<tds Ih.:lll be applied 10 the sums 5CCUrc:d by lhi\ Sccuril)' InSINnltftl. whether or nOllhcn due. with &DY eJ.ccs.s paid to Borro\llu. J( BOtTOWt'f abandons 1hc Propcn)', or docs nOt answer within )0 da)'S . nodee rrllm lender that I'" insut'Jtlce: ClIrri~ h.u olfcred 10 senko a claim. IhUt L.tnckr may eonC'C~ Ihe insll:'al'lce proceeds. Lender may u.se the procceds Co re~ir or restore: lhe Propct1)' or 10 pa)" lums secured by Ihis Sc:curhy fnSINmcnt. whelhcr or nOllhcn due. The JO-day period will bc,in when ehe noeice is ai...en. Unless Lender Inct 8orrower olhcrwisc aCree in wrillni. oIny O1Ppliealion o( proceeds 10 princip.1 shall nOI eollend or postpone: Ihe due dace of the monthly payments re(errC'd 10 in p2r.s:r.phs Ilnd 2 orchanCllhc amount otlhe payman".I( under P2f28f1ph 19 the Propeny is .cquired by Lender, Borrower', "Chi 10 :1.nY insurance policies ~nd proceeds resulllns rrom damage: 10 the Propcny prior to the acquisition shan pus fO Lendet 10 th. exlenr or the sums secured by Ihls Sc:curh)' Jnstrumcn~ ImmediatcJy prior 10 lhe aequisieion. 6. Prcscrntion ~nd Mainlenanet o(?ropcrty; wsehold.s. Borro.....er shIll nOI des:troy. dam.le orsub'l,nll:llly change Ihe Propeny. ~Ilo"'" rhe Proper1Y to detC1'iorale or commie ....:asle. rr Ihis 5ccurlry InSCr\l1t14nC is on :II IClschold. BorrnWcr slull comply with Ihe provlsillns orehc 1C2Sc:, .nd IfSlItT'Ower :::ICquitd (ee ticle 10 the Property, Ihe lc:uehold and tee licleshaU nor merte: unless Lender IsretS to Ihe merrer in writing. 7. Prolea!on of Lender's Riahts In the Proper1'r. Morl1l:2gc Insurance. If Borrower r:lils 10 perto"" Ihe cOllen.nes .nd .grcemenls conlaincd in Ibis Security In.strumen'. or rhere is. Iegll procccdine ehal may sl.nlftecntly .11'<<1 Lend,",,', rif.hl$ In Ihe: Propeny (such u a proceeding in bankruptcy. prob.le. (or condemnadon or 10 ."rore, lawl or regulations), then Lender may do and pay ror wh.te,"er is nttCSsa.ry 10 proeect the ..llIe orehe Property and Lendtf"s ,lahts in [he Propeny. Lender's aClions may include paying .:Iny sums seeurcd by . lien which hiS priorilY O'"er Ihls Security Instrumenc.appearing in coun, plying reasonable attorneys' (Cd and entering on che Properly 10 make replirs, AllhouJh Lendcr ma)' lake:a~lion IInder Ihis paraSflph 7. Lender does not hue to do 50. ^ny ."'ounes disbursed by Lender under Ihis p)r~graph 7 shall become addilionll debr ot BolTo....cr sccured by fhls Security Inscrumcnl. tJnlC$S Borrower and Lender alrec: co Othc:r cerms orpaymm', rhC$C amou'''J .hlll bear inletcst trom [he dal~ ot disbursement at Ihe NOlI: rlue 1nd sh211 be payable, with inlcresl. Upon nOlice rrom LC'l'tder 10 811rro....er reCJUdune p:lymer'll. iOO~ &27 rl(.,.1 C;, .; ; ;.~.. ;.... . .... '-\.,1 ~.. - - .'. ~.._~' .. '.. ~.....~,,~.~.....';:-...... .. ---...,..-...,....~.-I...._....~.._.. _...._,_............\ .. . '. -'~,. . .. '. ..... . .. , SEP 04 '96 15: t6 FR f'ELLCll REO/FIYECLOSER303 .:;)J sri 2245 TO 912155674151 - . ..J ...J P.04/14 .-.- ~ If Ltndtt ICQult1'd mafl.'Ct' "U\lrlnn II . cOfIcllhC"'- 0' "ukl"' .)\. 101ft tnvrcd by lh.. Strum, hltll"mc,u. BO'tn...., .h..1I PI)' Ihc DfC""Umt required 10 m'lnl"n ,,,.. In,,,,."". 1ft .Keel un III Iveh lime.. the rrql.lncrnctll (Ot ."" II'II",.nU' Itttn.".," In UtO'''''"Ct wuh Bofto...u'. .n' Lcttd.,', _"lltA I,,",",nl 0' .PP'IUbl.I..., '0 IM"Clion. 1.cndn or ItS Jlrlll m.)' m"" IUM)fIlblc .nlflft upon In" Inll><<lIo." of Itlt P'Opf:'t) Lendcl' .h.lI.i... Borro..u nOllf.lIth, lime or or pnol lo.n '"'PI:uo" .peel'rln, ,cnon.ble Chll (or Ihe IfllptCIIOt\ 9. COl'ld''''l\IUon, The proceeds o( In, .*.,d or ,1,lm fot d,m'IC1, dUCtl or co"uqucnull. in CO""lCtlon _II" '''' condrmn.,ion or other ,.klnl of .nl p~tl of the rrOpiftlJ, or ror conveyance In 11'1,1 0' COftClcmnallon, ,f, ""11:"1 auicncd and IlIIU be p'." 10 Ltndcr a'l Ihe nenl oC I 10111 I.kllll or the 'ropctl1, th. Clroueds sk,ll bt .pphcd to Ikc tumJ secured b1 IhiJ Sccurll)' lnmurncnl. wk.lncr or nOlth'n due, ",jlh 'nl tlcm plld 10 Borro.cr. 1ft Itlc .-enl or a plniat Il~iftC o( Ih, ProperlY, "nlat Bo",o.., ,nd Lellder olhcrwiae 'IrM.n .rill"'5- th. sum. 'K(\urd by Ih.1 Seeurit, In,uu""nllh,U be r.Oueeel to,. the lmounl or the proems mulllplied by the (ollo..;n, (raelton: (I) 1he tOlll amounl or the sums'lCcurcd Immcdi'lcly berote Ih. """in,, dlylded b)' (b) ,h. r.ir mar"'1 -,Ill' Orth. 'ropeny immcdillc.I, ~tCorr lhe IIUnl. An1 balance .hlll tic paid 10 Bonower. rr Ihc 'ropen,. ,. Ibandoned b)' 80",01lller, or ir. after t10licc b, Lendcr 10 Barrawet' thll Ihe condemnor oll'erllO m.ke an a-.,d or Kille a claim (Ot d.maCd. BorrowCf railt 10 rCtPQnd 10 L~der wlthill )0 dlyl dletlhe dlle Ihe notice It Cillen.. Lender i.lulhoriud 10 collccl and apply Ih. prOCMS, at ilS opllon, eUhu tn rutor,uio.. or ',pair orlh. Pro~")' or 10 Ihe sumSlCCurcd by thisSee:urity lnmumelll. whClh,r or nOt tbcn due, Unlru lAnder ,nd Borrowrr otherw\sr .srtf in wrilin&.lny application orprccecdllO p"nci~lsh.lI nOI'll.nd or poll pone the due cUte or .he mOnlhly plymerlll rermed 10 In p.ras~phll iJnd 1 or cn.nle I he: .mounl orlud'l pis-menu. 10. 80no..r Not R.leased; ForbcannC'e 8, ~nd., No\ . W,'''rr. E.lmSlon of the time: for paymenl or modlficallon o( amoniution of Ihe '"mS "e:ured by ~hil Sccuritylnm\lmenl cr.nled by l.cndcr to 'n"u"cuor In interCSl of Borro-er shan not operate: (0 relcue the IiabUill' o( the oripn,,1 Borrower or 8orrower's.llfeCSltlU in Intcrnl. Lender .hall 1'101 be required co commene:e proc.ccdlnCI l,ainSt all)' sue:e:essor in interClI or tt(use 10 Cllend lime (or pI)'mcnl or olherwbe: modify amonization oflne SIl",sl<<Vrcd b)' thil Security Inlfrument by rcuolt of an)' d,m,nd made by the onJlnal Borrower or 8o"0....er.s.u<<essotlln 11'I\tr.t, Aft)' (Orbeanlnee by Lender In aCrelllnlln)' ",ht or rem.cdy shall nol be. ..aiver or or prelude the ucret.e ohny "She or remedy. II, Suc:ttSSOtI uel .u.iCaJ BoUJId.; Joll'lt an4 SC9craJ U.billm Co-riput. The eOwal'I'Iuand .,rmncnts or this Sce:urhy InStrumenl shall bind and bcntft1111e IUCCClSOI'l and .ssims or Lender .nd Borro.....r. subject 10 Ill. pro'#i,ions of pAr..taph 17. Borro-c's eOvalanlS and agrtmcnll shaJl be joinl an4 sevent, Any Borrower who co.siaas Ihl. SCCUr11 ~ In:lNmenl bUI dOd nOI t:lCC\lle che: Note: ea) is ~slpins Ihis Security Insu'Ument only 10 monCale:. Irani and eon"ey that Borro.ct's {nlerell in the Proper1y under the lenns or thIS Sc::urity Insu\lmC1lt; (b) is flOI pCrsoflally Obliptcd to pl.f the sums S<<\lrcd by this Securily Inmvmcnl: and (..:) a"roes IN.t Lender ,nd any olher BortQWCf may .,tee 10 Clle:nd, modify. forbear Of make Iny Accommodauons with rccard 10 Ihe lerm<; o( Ihis Securit)' Instrument or Ihe Note: without 11IatBorTOwer'se:onw'll, , - ..,;.., , . 11. LOIlI'Otu;tS, lrthe lOin securt6 by this Securily Inslrurnell( Is sub)eCtlO a law which ItIS muimurn loan dlarla, Ind thll law is I\nall)' inlcrprcted so thlt the ,"\Crest or other la.n Charlel collected or 10 te collected in connection with the: loe.n ucced the pc:rmillc.d limits, lhen: (a) an)' such loan e:hal'Je shall be reduced b)' 1he &moun: ncc:c.ulty to redue:e the chuce to thc pcnnittcd limlto Ind (b) any sums already e:OIle:1cd (rom Borrower which exceeded pctTI1iucd limits will be refunded 10 Borrower. Lender ma)' choose to make this refund by reduclflC Iht pril\clpa.1 0.c<1 undcr thl!: NOli or b)' makin, a direct pa)'ftlUlt to Barrowcr.If a raund reduces principaL Ihe: reduction will bcUtlta:t as.. pantal prcpa)'tnall wllhoulan)' prepayment eharle under the Natl:. 13, Lqis1atioa ^lTtct;ing Lendu's lU;hu, It enactmenl or e1plration o( aOcpllc:.able bIllS hIS lhe etTC:C:1 or re:'lderin.an)' prov;sion orthe NOle or It'll, Scc:urit)' Instrument vnen(orccable .ccordinJlo its terms, Le.nder, al ils oplion. ma)' require immediate: ptymenl In full or,1I sums secured b~ this Security InS1tumc:nl Ind m.y Invoke any r.:medl1ll pe""hled by paragraph 19,.lr1.ender cluci$tS this optlOl\. Lender snaUlake: Ihesleps specified In theleeond parasraph or parl,ra.ph 17, 14, Notices. Any notice 10 BotTOWer provided (or In Ihis S~urit)' Inmumenlshall be ri~n by deliverin, il or b)' mai!in, it by /I,(lt class mail unless Ipplicable law requires use of another mClhod. The nOtice shall be direCled 10 Ihe Propaty Addtc:u or any olhcr addrc:ss Borrower dcslanalcs by notice to LeIIdcr, Any nOllee 10 t.cndet Shall be ,ill'en b)' 6rst class mail to Lcndc:r'saddrw Stlted hctcin or any olher .ddress Lende:r dc:s.lJl'atCl by notlc:c. 10 Borro.....er. Any norie:e prollidcd ror in Ihis Security InStrumenl shall be deemed 10 hl"c been &i"CtI to Borro\Meror Lender whtn ,iyen Ii provided In this parasraph. tS. eo.uniftl LaW: Scyc:rabJUcr. This SecurilY Inst1'\lmeft\ shan be BOyerned by feder.IJ,"'" and Ihe law o( thc jurisdiction in which the ProperlY i$loc:atcd. In Ihe event thlt any provision or clause or Ihis Sccurily Instrument or Ihe Nott e:onAie:u with applic:;able la"". sueh c.cnfllct shall nOI affect other provisionl or Ihis Security hmrumC'l1 or the Nnte ....hich can be .iven effect without she eonfiietinr; provllion, To this end the provisions o(lhls Sccurhy InSlrumenl and Ihe Note :lre decLared.IO be: sevrrablc. Ui. Borrower's CaDY, Borrower shill be ch'cn one c:on(onncd copy o( the NOle and or this Securily Inl1tuMenl, 17. Transrcr or the PropUl)' or II Bendiebllnteresc in Borrower, H III or any part oflhe Property or any intt:rC$1 in ic is ~ld or 1ransrerred (or ira beneficial intercSl in Borrower is sold or transferred snd Borrower il nClI a natural penon) without Lender's prior wriuen co:'Isent, Lender mI.)', .1 lIS option, require Immedi11e paymenr in full or III sums secured by 'his Sccurit>. Instrumcnl. However, this oplion shall nnl tic C1erdsed by l.C'nder Ir curci\(' i~ prohlbhed by (ederall'.... IS Or the date orlhis Security Instrument. ' lft.endcr eKereises this option. t..ender shall Ci..c Borrowcr notice oraecclcrlllion, The nOlice Ihall pro~ide a period or 1I0t \eSllhan 30 dlYs rrom the dale: the nOliee Isdcli\leted or mailed wilhin which Bnrrower mUJI p" sll ,umlosecvred by this Securil)'lnstrument. JrBorrower r.1i1S10 I'a)' these ,um~ prior to Ihe elpiralion orlhi. period, Lender may in...o"'( ~ny remedies permilled by this Security Instrumenl \lIilhoul (urther notice or demand on BorrOwer, 18. Bo",o"'C!t'S Right to Reinstue, l( Borrower meets certain condhinns. Borrower sh:lll have the richl \0 ha"e enr(ltt:emenl orthis Security Inslrumenl discontinued:n any time prior 10 the arlier 0(: Ca) 5 days (or such Olner flCriO:1l1S .pplicable Is"" may Ip"i(y ror rCinS\Olerncnt) heCore ssle of Ihe ProtlCny I'lursuant 10 an)' powcr or sale ennlllned in this Sccurit)' Instrument: or (b) Cftlty or a jud,mcnl en(orcin; ttlis Sccurit)' Inltrument, Those: e:ondilionsltc Ihat Borro.....e:r: (a) polys l.cndcr 0111 sums which Ihen would be due under Ihis Sccuruy InSl(umen\ .nl1lhc Nole h:!i11 nCl.ce:e!erOltion occurred: (b) euret :lny dcrauh or :an)' nlher eOVtnanl,; or ~;recments: fel paYl111 ClfleM~ ine:urred in .nrorcins Ihi. Seeul'il). In<;lrumenl, ine:luding, bUI nQl limiled In, relSoo:a~le :ancrneyf ree~: and (d) l,kes such selion 11 Lende:r ma)' reuon~bl~ re'luirc tn assure: lhou Ihe lien or thiS Seeurit)' InStrumenl. Ltndct'l ri.llhtS in the Properly ;IRC Borrolollcr',; obliC:alion to pay the sums ~cturcd by this Seeurit)' lnstrumen\ sh:lll continue uneh:l.nF-ed, U~n te.iftlUltnltnl by eorr(lwer, this SecurilY Instrument and the nbli&Jlion~ ~ecurcd hereby shall remain fully e:!fccnye IS ir no aeeeletation hsd occurred, HoWe"'cf, thi.... right II,) reinstate ~hlll nal appl}' in the caSt or i1cce]el1llion unCIe:r pUlgtJrhs IJ or 17, i::j'O/: 627 f!c, ) (It; ~ SEP 04 '96 15'17 FR MELLON REO/FORECLOSER303 837 2245 TO 912tS5674151 P.05/14 .' NCN.Ufojl'O., ..OYlN"""" BOfro..., ,,,d Lender rut1t1er CO"I"'"I In.. , .CI' (olio"" . It, .,ul."uo,,: RI"'ediu, LIII'''' '''.all CI.... 10liu 10 DonO"'f ,rio, 10 lccclcuuolI 'ollO"'ift' no"...,,', "ue' of JAY (O''''JAI'r ',rtot,"'".:" ,,,.. SKII",' hutrum",' nun "01 orio, 'oatultratiOft uft.tcr ,tn,u,h, I) IIId I' 1I1IIIn ."Uu.l, 1.... ,'o.l~.. ottler-lid, Lender thall nOllr, BOIfOwu of, .MOnl othe. t"ln~l; fit the ddlu". Ihl Ifle .tIIt. '.'''1,,4 I, nrt I", 4.(16111; (c) _fl'lt .)Ie "dlUlI muS! bt' curf'd; Ind ldl fhll bUilt, 10 curt' '''' cI,f.",I, n 1,C'(II'I(4 ""1 '"vlt '.uUI."t1.ft .r Ib, 'IIms Ircurad by 'hi, Seellnr)' '''lfnl''''"I. for,Clolllr, fly ,udiCIJ! ,'Oct'-i"'l 1"d ,'Ie ., rh. p".-It" Leftd., ,hall (IItt"lr 'n'o'm "ono_" 'II( ,,'. rllhe to re/nUllc .liner uul.nhoft 'till 1ft. tilth!'ft nil" 1111", 'orttluurt '"'HCllt,I''' ftOIt'C.ilf'''f' 0' 1I 'dlult or 1ft)' 0111" d.,.".. o( Bo',ewn 10 uultrlllo" Ill' 'or.rlol..'t, It I'" 4dhU" flOl tU'f. U tpcclftd, Lffldff II lIS ODCio" mly "Qul't immediall "rMIIIII" full 0' III "lfn, Itcu',d ., UII. S.rurU, 'ftllht"'tfU -lehul fuPltl" dl",all' ."d ma, 'orulou Itln SUU"I)' Jnlllru,"C"1 ta, Judldal ,flCUdilll. 1.111 de' ,hUIM ,,,UIl" 10 toIl.f1 aU tip."... jtlc,mt4ln ,vn.lnllhl rrmtdlu pro"id.d ill lhl. p".cnph 1'.llIeludin". ta"l IIvl 'U'UI" ,., .no"","' f'C'&llll cOIn 0' rlll. .,Idcn(c 10 Ihe c_nrH prrmln'd b, 'nliubl,11_. 20, Wild" In r.MUlI'on. Upon accllerllion ,,"dc, pa'lln,h '9 or 'b'ndOllmenl of th, r,open)'. Ltndc~ (In pcno". \I, 'Ien, or by )u<hcl.lI, appOlnled reccl,tr) .h.1I be enUIl.d 10 'nlff upon. like poua"o" o( '1\4 "'.I"'" II't, 'ropen... ."4 to COllC'Cllhc renll of Ihe Prope"., in'ludinllhole palt dut. A"~ ""1' (oUeeled b)' Lendu or ItI. (fe.i_cl' '''aU bt anhrd ""'1 10 p.lymenl of thll! C"'" 0' '""1\"19m,I'l' or Ih9 PropenJ and eoll~ello" of 111\1&. Incl...cSi,.S, bUI not Itl9)lled 10, Iccli-u', (cu. premiums on r~IWt"S bonds .nd lusonable .&uornt~.' rcu, and Ihc:"lla Che lum, ItCuttd bJ Ihll Security rll,lt\lmcnt. n. RaJw.. Upo., p~yrnt"( of all.urns ~curl:d by Ihis mUMI)' .IIlll'umffll. Lender ,hall di'chu&~ Ihi, SlCulil)' rll.INmml-.1lhouc clllrle 10 Dorro....". Borro.ct .hall p,ay In)' recordation com. n. ReWUfdltlll Period. Borro....er.' lime to reinlute protided in pal'llnph llsn,lI e."end 10 One hour prior :0 Ih. commencement o(blddlnc uashentr's hie or olher ..Ie plIlSuanllO lhi.s SCC\lritr Inurumenl, 13. PY,cw. Mont' Mo".."..I' any of the debl s<<urcd by ,nis SecurilY Inslrumcnl is lent 10 Borro...er 10 acquite mlc \0 Ihe Propcn)'.lhi, Stturhy InmUtnC1'l1 shall be I purehue mone)' mortplc. 2'. tnlrrm Rail Aft,r Judll"ltftr. Borrower .Jlruslhat Ihe interest rile parable sfler a judSnteftt it _"I.ted on Ihe Note or i., In action ormon.lIe roreclosure shill be Ihe rate payable rrom time 10 umeundcr lhe: Nocc, %S. Riden to lhls SecurifJ 'n'11'tnn"'l. If one Of mo~ riden In: t:.1ictUlcd by Borrower and tecotded cOltlher "'ilh Ihis s.cvril, InslNmenl. the co'f'cna.nu and .arecrn~lS of uch 'lIch ridrr ,hall 1M ineorporllcd Into .nd Ihall.mend .nd supplement Ih. COVertlnts and a&rccmcnlS o( Chis SecurilY Insuvrnent u ir lbe rider(s) were. pan or Ihls 5<<urily hWI'UJftCnL (Check applic.ablc boA(CS)} o Adjusrable Rat. Rider D Orsd....d Payment Rider DOcher(.) (specify) o CondominJum Rider o PI&ltned Unit Dcvdopmcnl Rldcr o 2-4 Famil, Rider By SlONINCi BtLOw, Borrowet 3=cpU and "&reo. to the lums and coymants eon12incd In this Security Inurumcntand In &It)' rider(s)uccu~~ by Borrowet ~d rec:ordcd ...ith it. -..,.. =~f'~- c.J.*.t./~-= ......-....... .....~4~........... .~~w~................._.~~l (Scwce klo.. This LIM 'fit ~I ~ ~ It) ......... COMMONWEALTH OF PENNSYLVANIA, COUNTYOF ~~ ) '" _ On thl, "}/~.:t" day of I~ ,A.D. 19 U. before me, ~f~ r~~~~a ~ ~~~~~~.~~""wtthin Indenture of Mortgage to be ~,.(o1lCrei:~lSSI.lC:h.. : Q:.:.:',...... , '~..::.,..~.. ~ ooJ. .... ""\oo..~~..' ..11;.~ ;. t.I : . WI~ESS m~h~pd and stal. the d:ay ,and Y~2r aforeu,id, ,~..." '5;' -fl/,. \'; '~""'.'~';;J'.;:d . ~:.: :',.. .'!'.~ l'j;:{'\;\, . g,~i' .....O:.:..:.:.:.._~' '.'~:-; ~ \ and act and deed. and dcsired the %c.4t- ~/CJ~~<<- Mye ;mo. PIr;Y41'?1 'Z"7 ,10/ RECORDER RETURN TO: MERITOR MORTGAGE CORPORATION-EAST 3920 HAKXET STREET CAMP HILL, P~ 17011 , . ., ,". " ".,.~." ..~.:_-_.~...K-': 827 pm :1Oi .'C'{ . !aa~ "( -( SEP 04 ....... '96 15:17 FR MELLON REO/FORECLOSER303 837 2245 TO 912155674151 -... I . .... i ... P.06/14 , . " EXllIIlI:r 1 /ILL TIIAT CERTAIN tract or parcel of land situate in Eas\: Pennsboro Township, CumberllU'ld County, Penn5ylv~nia. more p~rticularly bounded and described as tollows, to wit: 13CGlf'olNINC at: 4 point Oil the l!:'aste.rly li.ne of Erford noa~.JEast), which point. is:: t:wo hundred twent.y-nine and GCtvgnt:y-six one-hundredths (229.76) feet North or the North- easterly corner of &rford Road (Eastl, and Dulles orive (East), and at dividing line uetween Lots 118 az>d n9X, Block "1", on the hereinafter mentioned pla.n of lots, thence /\10n9 th.. Easterly line of <:rford Ro"d (East), in an arc havi(lg. a radius of three hundred (300) feet in an Northerly direction to the left. thirty-four and sixty-one one-hundredths (34.61) feet to a point at dividing line between Lots fl18 and N18X. Ulock "1", on said Plan, thence alone1 said dividin9 line South <lighty-seven (87) degrees thirty-eight (38) minutes thirty-six (36) seconds East two hundred one. and ninety-eight one-hundredths (2pl.98) feet to a point: thence South twenty-six (26) degrees zero (0) !Minutes East seventy and tiay-one one-hundredths (70.51) feet to a point at dividing line between Lots fIla and fl19X, Slock "r". as aforesaid: thence along said dividinq line North eighty-one (al) degrees two (2) minutes West: two hundred thrity-nine and four one- hundredths (239.04) feet to a point, the place of BEGINNING. _.... BEING kno~l as 775 Erford Road, East Pennsboro TWonship, and formerly being premises known as 1607-h Erford Road (East), and having thereon erected a two story brick and frame dwelling. 'rOGETHER with ~he right to use in common the parti~ion wall w1.l;h OWner and occupier of adjoining/premises. BEING Lot no, Block "r". in Plan No_ 7 of Ridley park, which plan is tecorcled i:. the Office of the Racorder of Oeeds in and for cumberland county, Pennsylvania, in Plan aook IS, Page 56, BEING the same l'remises whiCh George Richard "ruhw" .th d by Deed dated -7 - '3 . ~ U an Barbara Ann Fruhwirth, his wife of the !lee d / - 1986, and mtended to be herewith recorded in the Offic Charles 1\ o~ ~r.of o:eds of Cwnberland County, Pennsylvania, granted and Conveyed unto . u w~g an Mary Jane Ludwig, the Mortgagors herein. SUSJECT ~o the reservations. restrictions, easements ana ri9hts of way now or record_ - tOOX c;>-. 0._ I PACE ;106 Sr;:t.; :-: ~~e~_.'..~$;,..I,,'~~IJi ..; ~ .., " ..', - 'c:-.~ :.-....,*::....... '. .'. I ~.~ -, (..;j':~.. :', :"v:':':";~~:'.~:.i_ ~ ;..:~",~~: :':~"';:~:;"7'.., I",,;' ,'. ,. ,.. t ,ro, .h(~;:~,.'"!,i'l~.... D'::9...:3';._~ ... t.., .-: .,':::,....'.:;:r!}~1l\~f:~/.~~.;.,"~ . . .::~,.<:~. . .....~~.-.- .'W;~~-i-:.'."J.~ ~\ .', ...~.. ,.~d~~~r.~-.;:~:';li, i:': . ,!(~E:,~' C".;;:..._0,;:;~(j:~~~1~::Qf' 'i:. -=\;..:~ ,::-.::".:.1~' ""::, '>":.:.. "::04,~:~~'''~'',) : PA, , -......-.. ~', ~ '.'..;":~' ".. o. ~. --.0. ..- ~,...-.. . _.:. Prestige Abstract Corporation 100 South Broad Street Land Title Bldg., Suite 1430 Philadelphia, PA 19110 " RECORD OWNER AND LIEN CERTIFICATE Order No. M-3812 Effective Date: 8/28/98 Premises 775 Erford Road Based upon the examination of evidence in the appropriate public records, Company certifies that the premises endorsed hereon are subject to the liens, encumbrances and exceptions to the title hereinafter set forth. This Certificate does not constitute title insurance; liability hereunder is assumed by the Company solely in its capacity as an abstractor for its negligence, mistakes or omissions in a sum not exceeding Two Thousand Dollars unless otherwise endorsed hereon. ;.. ,. o' rf'-. ",,' ---------------------------------------------------------------- DESCRIPTION ALL THAT CERTAIN tract or parcel of land situate in East pennsboro Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the Easterly line of Erford Road (East), which point is two hundred twenty-nine and seventy-six one- hundredths (229.76) feet North of the Northeasterly corner of Erford Road (East), and Dulles Drive (East), and at dividing line between Lots #18 and #19X, Block uP, on the hereinafter mentioned plan of lots; thence along the Easterly line of Erford Road (East), in an arc having a radius of three hundred (300) feet in an Northerly direction to the left, thirty-four and sixty-one one- hundredths (34.61) feet to a point at dividing line between Lots #18 and #18X, Block uP, on said Plan; thence along said dividing line South eighty-seven (87) degrees thirty-eight (38) minutes thirty-six (36) seconds East two hundred one and ninety-eight one- hundredths (201.98) feet to a point; thence South twenty-six (26) degrees zero (0) minutes East seventy and fifty-one one-hundredths (70.51) feet to a point at dividing line between Lots #18 and #19X, Block uIu, as aforesaid; thence along said dividing line North eighty-one (81) degrees two (2) minutes West two hundred thirty- nine and four one-hundredths (239.04) feet to a point, the place of beginning. .f; .:t:. i.f ~~f "$ 4~ ,~':l !;i!b I .~ .j-j I 'l:! .ll .~ j .." J ~. i~ BEING known as 775 Erford Road, East Pennsboro Township, and formerly being premises known as 1607-A Erford Road (East), and having thereon erected a two story brick and frame dwelling. TOGETHER with the right to use in common the partition wall with owner and occupier of adjoining premises. Continued Order No. M-3812 DESCRIPTION - CONTINUED BEING Lot #18, Block "I", in Plan No.7 of Ridley Park, which plan is recorded in the Office of the Recorder of Deeds in and for Cumberland County, PennsYlvania, in Plan Book 15, page 56. BEING 775 ERFORD ROAD. PARCEL# 09-17-1044-012 Continued Order No. M-3812 RECORD OWNER TITLE TO SAID PREMISES IS VESTED IN Charles A. LUdwig and Mary Jane Ludwig, his wife, by Deed from George Richard Fruhwirth and Barbara Ann Fruhwirth, his wife dated 7/31/86 and recorded 8/5/86 in Cumberland County Deed Book B-32 page 1052. TAXES: SUBJECT TO ENCUMBRANCES AND CLAIMS AS FOLLOWS: Parcel# 09-17-1044-012 1995 to 1998 Produce Receipts 1998 Assessment: $5,980.00 WATER AND SEWER RENTS: 1995 to 1998 Produce Receipts MECHANICS AND MUNICIPAL LIENS: MORTGAGES: $47,700.00 $5,500.00 $17,000.00 $500.00 (None) (4) Charles A. Ludwig and Mary Jane Ludwig TO: Meritor Mortgage Corp. East DATED: 7/31/86 RECORDED: 8/5/86 MORTGAGE BOOK: 827 PAGE: 404 *Assigned to Federal Home Loan Mortgage Corp. (Ste. 900, 2121 Crystal Dr., Arlington, VA 22202) on 10/28/86 in Misc. Book 325 page 134. Charles A. Ludwig and Mary Jane Ludwig TO: Penna. Housing Finance Agency (2101 N. Front St., Harrisburg, PA 17105) DATED: 3/2/90 RECORDED: 4/27/90 MORTGAGE BOOK: 974 PAGE: 970 Charles A. Ludwig and Mary Jane Ludwig TO: Penna. Housing Finance Agency (2101 N. Front St., Harrisburg, PA 17105) DATED: 4/15/90 RECORDED: 4/27/90 MORTGAGE BOOK: 974 PAGE: 973 Charles A. Ludwig and Mary Jane Ludwig TO: Penna. Housing Finance Agency (2101 N. Front St., Harrisburg, PA 17105) DATED: 3/7/91 RECORDED: 3/11/91 MORTGAGE BOOK: 1007 PAGE: 879 sEP 04 , '96 15:17 FR MELLON REO/FORECLOSER303 837 2245 TO 912155674151 .. I P.06/14 ,...,. . - i .. , . .. EXHISI'l' 1 ^LL TIIAT CERTAIN tract or pared of land situate in East Pennsboro Township, Cumberland County, Pennsylvania. more p~rticularlY bounded and described as tollows, to wit: 1)&tilNNlNC at:. a poillt 01'\ the easterly li.ne of I::rford noa~.JEa'St), which point. iliO 1:"'0 hundred t""tI\t.y-niJle and I;Qvgnt:.y-six one:-hunorcdths (229.76) feet North or the North- easterly corner of Erford Road (Eastl, and oulles orive (East). and at dividing line I,,,.tween Lots US and Nl9X, Block "I", on tho hereinaft.r mentioned plan of lots. thence Along the Easterly line of trford Road (East), in an arc havi~g_a radius of three hundred (3001 feet in an Northerly direction to the left. thirty-four and sixty-olle olle-hundredths (34.61) feet to a point at dividing line betwe.n Lots filS and HeX. Ulock "I", on said Plan: thence along said dividing line South ~ighty-seven (871 degrees thirty-eight (38) minut..s thirty-six (36) seconds East two hundred one. and ninety-eight one-hundredthS (291.98) feet to a point. thence South twenty-six (26) degrees zerO (0) minutes East seventy and fifty-one one-hundredths (70.51) feet to a point at dividing lin.. between Lots file aud ffl9X, Block "r", as aforesaid: thence along said dividing line North eighty-one (81) degrees two (2) minutes West two hundred thritY-lIine aJ'Id four one- hundredths (239.04) feet to a point, the place of BEGINNING. _.... BEING kno~l as 775 Erford Road, East Pennsboro ~onship, and formerly being premises known as 1607-n Erford Road (Eastl, and having thereon erected a two story brick and frame dwellin']. 'rOGETHER with ~he right to use in common the partition wall wi.t;h oWner and occupier of adjoining ~premisQ$. BEING Lot lUe, Block "X". in plan No_ 7 of Ridley park, \Jhich plan is recorcled i" the Office of ~h~ Recorder of oeeds in and for cumberland County, Pennsylvania, in Plan Book IS, Page 56, llEING the same premises which Geor Rich . . ' by Deed dated "7 _ -:t . ge ard Fruhwuth and Barbara Ann Fruhwirth, his wi~e of the Recorder of Dei:'o.{ ;- Cumb 1986, and u.tended to be herewith recorded in the Offic Charles 1\. LUdwi d 0 erl"'.'d County, Pennsylvania, granted and conVeyed untO g an Mary Jane Ludw1g, the Mort9agors herein. SUBJeCT to the ~eservations, restrictions est -. h , a ernen s ana r~9 ts of way now or record. ~ C?-. 0.. I PACE :108 5;:;:t.~ ..: ~"~:-:.::.~'h':i:"':!l1 ,} ~ "- ~ " :;." .c::::: '" :.",:-, :::~;'1'; I., (.,.:;~:~.. :r. ~..~.:';:~',:~:;"..". j -.- ".', ..,,"':~,. . :... .' _; :.,'-.,.:.';:'.-1' '.,1....' '. ,t .r,. .h~'-i.~~..:Ll'i.n\1...4 'l)~9...:g.~. ."" ': ...' ':...,. "'~!.'W;ifs~~'" .: .' ~{': > .... li.\~'_'~~'~~_+_ ,..~;-., ~.\. ';.: ..1':.....; ,'r,,-4~~Qi.'.'~-~:;'''''i -.. ~...'-!!' ~..- ~ "1::U:~S~'~':'~," ;:,.:: '~-d'-~" ~~'."-}):.'" .' ..::! ... "-\2".:~ .\:.::-~:.~i"'''''':. '1.:,;.:., I::_~;:""~") : r ; ~;":. . ',', ' , . PA> ,- -..... ~'. ~ ''''.~'.;~'.',>-, ,. --.,. '~,..,-'-..: .. .;.:.J' MATTLEMAN, WEINROTH & MILLER A professional corporation Attorneys-at-Law Dear Sir/Madam: The mortgage held by MELLON MORTGAGE COMPANY on your property located at: 775 ERFORD ROAD, CAMP HILL, PA. 17011 IS IN SERIOUS DEFAULT because you have not made the monthly payments as follows: Monthly payment Amount: $557.00 For the monthly period of 11/01/95 through 09/15/98. The total amount now required to cure this default, or in other words, ~et caught up in your payments, as of the date of this letter ~s $ 20087.20. That figure includes applicable late charges totalling $ 592.20 YOU MAY CURE THIS DEFAULT WITHIN THIRTY (30) DAYS OF THE DATE OF THIS LETTER BY PAYING THE ABOVE AMOUNT OF $ 20087.20 PLUS ANY ADDITIONAL MONTHLY PAYMENTS AND LATE CHARGES WHICH MAY FALL DUE DURING THIS PERIOD. Such payment must be made either by cash, cashier's check, certified check or money order payable to: MELLON MORTGAGE COMPANY SUITE 2300 1775 SHERMAN STREET DENVER, CO 80203-4395 If you do not cure the default within THIRTY (30) DAYS THE LENDER INTENDS TO EXERCISE THEIR 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 the original mortgage in monthly ~nstallments. If full payment of the amount of default is not made within THIRTY (30) DAYS, LENDER ALSO INTENDS TO INSTRUCT THIS OFFICE TO START A LAWSUIT TO FORECLOSE YOUR MORTGAGED PROPERTY. IF THE MORTGAGE IS FORECLOSED YOUR MORTGAGED PROPERTY WILL BE SOLD BY THE SHERIFF TO PAY OFF THE MORTGAGED DEBT. IF YOU CURE THE DEFAULT WITHIN THE THIRTY (30) DAY PERIOD, YOU WILL NOT BE REQUIRED TO PAY ANY ATTORNEY'S FEES, NOTWITHSTANDING THAT THIS ACCOUNT HAS BEEN REFERRED TO THIS Ol?FICE. If you do not: cure t:he default within the THIRTY DAY PERIOD you will have to pay a reasonable attorney's fee, not to exceed $50.00, for services actually incurred. However, if legal proceedings are started a~ainst you, you will have to pay a reasonable attorney's fee even if ~t is over $50.00. Any attorney's fees will be added to whatever you owe Lender, which may also include their reasonable Court costs. PAGE 2 MATTLEMAN, WEINROTH & MILLER A Professional Corporation Attorneys-at-Law Lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty (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 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 sale could be held would be approximately 03/99 A notice of the date of the sheriff sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling: MELLON MORTGAGE COMPANY SUITE 2300 1775 SHERMAN STREET DENVER, CO 80203-4395 This payment must be in cash, cashier/certified check or money order paYable to the Lender at the address provided. You should realize that a Sheriff's Sale will end your ownership of the mortgaged pro~erty and your right to remain in it. If you continue to live ~n the property after the Sheriff's Sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THE DEBT. (YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANS FERREE PAGE 3 MATTLEMAN, WEINROTH & MILLER A Professional Corporation Attorneys-at-Law Dear Sir/Madam: The mortgage held by MELLON MORTGAGE COMPANY on your property located at: 775 ERFORD ROAD, CAMP HILL, PA. 17011 IS IN SERIOUS DEFAULT because you have not made the monthly payments as follows: Monthly Payment Amount: $557.00 For the monthly period of 11/01/95 through 08/15/98. The total amount now required to cure this default, or in other words, ~et caught up in your payments, as of the date of this letter 1S $ 19513.28. That figure includes applicable late charges totalling $ 575.28 YOU MAY CURE THIS DEFAULT WITHIN THIRTY (30) DAYS OF THE DATE OF THIS LETTER BY PAYING THE ABOVE AMOUNT OF $ 19513.28 PLUS ANY ADDITIONAL MONTHLY PAYMENTS AND LATE CHARGES WHICH MAY FALL DUE DURING THIS PERIOD. Such payment must be made either by cash, cashier's check, certified check or money order payable to: MELLON MORTGAGE COMPANY SUITE 2300 1775 SHERMAN STREET DENVER, CO 80203-4395 If you do not cure the default within THIRTY (30) DAYS THE LENDER INTENDS TO EXERCISE THEIR RIGHT TO ACCELERATE THE MORTGAGE PAYMENTS. This means that whatever is owing on the original amount borrowed will be considered due immediatelr and you may lose the chance to pay the original mortgage in monthly 1nstallments. If full payment of the amoant of default is not made within THIRTY (30) DAYS, LENDER ALSO INTENDS TO INSTRUCT THIS OFFICE TO START A LAWSUIT TO FORECLOSE YOUR MORTGAGED PROPERTY. IF THE MORTGAGE IS FORECLOSED YOUR MORTGAGED PROPERTY WILL BE SOLD BY THE SHERIFF TO PAY OFF THE MORTGAGED DEBT. IF' YOU CURE THE DEFAULT WITHIN THE THIRTY (30) DAY PERIOD, YOU WILL NOT BE REQUIRED TO PAY ANY ATTORNEY'S FEES, NOTWITHSTANDING THAT THIS ACCOUNT HAS BEEN REFERRED TO THIS OFFICE. If you do not cure the default within the THIRTY DAY PERIOD you will have to pay a reasonable attorney's fee, not to exceed $50.00, for services actually incurred. However, if legal proceedings are started a~ainst you, you will have to pay a reasonable attorney's fee even if 1t is over $50.00. Any attorney's fees will be added to whatever you owe Lender, which may also include their reasonable Court costs. PAGE 2 MATTLEMAN, WEINROTH & MILLER A Professional Corporation Attorneys-at-Law Lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty (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 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 sale could be held would be approximately 03/99 A notice of the date of the sheriff sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling: MELLON MORTGAGE COMPANY SUITE 2300 1775 SHERMAN STREET DENVER, CO 80203-4395 This payment must be in cash, caShier/certified check or money order payable to the Lender at the address provided. You should realize that a Sheriff's Sale will end your ownership of the mortgaged pro~erty and your right to remain in it. If you continue to live 1n the property after the Sheriff's Sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THE DEBT. (YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANS FERREE PAGE 3 . MATTLEMAN. WElNROTH & MILLER A Professional Corporation Attorneys-at-Law PENNSYLVANIA NEW JERSEY DELAWARE Suite 2226-Land Title Bldg. Broad & Chestnut Sts. 538 Cooper Street Philadelphia, PA 19110 Camden, NJ 08102 Phone: 215-923-2225 Phone: 609-964-0680 Fax: 215-567-4151 Fax: 609-963-9392 Rockland Center II 1801 Rockland-Suite 30: Wilmington, DE 19803 Phone: 302-658-6835 Fax: 302-658-6838 Our File No. 212/45830 09/16/98 REPLY TO PHILADELPHIA ------------- ------------- .t' .t ACT 91 NOTICE ------------- ------------- IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM. PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. DATED: 09/16/98 RE: Account Number: 125674 FROM: TO: CHARLES A LUDWIG 1514 HIGH POINTE DRIVE APARTMENT B HARRISBURG, PA 17110-9224 MARYJANE LUDWIG 1514 HIGH P0INTE DRIVE APARTMENT B HARRISBURG, PA 17110-9224 MELLON MORTGAGE COMPANY SUITE 2300 1775 SHERMAN STREET DENVER, CO 80203-4395 PAGE ONE THE PENNSYLVANIA HOUSING FINANCE AGENCY CAN BE REACHED TOLL FREE AT 1-800-342-2397. ..... Tn s:....R DEBT MOTICEPUR~ COLLECTI M A DEBT THIS CQMMUNICATlOM IS ~EMPTTO COLLECTOR. TH~~: ~ \NFORMATION COLLECT A DEWB;LL BE USED FOR THIIT OBTAINED PURPOSE. . MATTLEMAN, WEINROTH & MILLER A Professional Corporation Attorneys-at-Law You may be eligible for financial 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 emer$ency temporary assistance if your default has been caused by c1rcumstances beyond your control, rou have a reasonable ~ros~ect of resuming your mortgage payments, and f ~ou meet other el1gib1lity requirements established by the Pennsylvan1a Housing Finance Agency. Please read all of this Notice. It contains an explanation of your rights. Under the Act you are entitled to a temporary stay of foreclosure on rour mortgage for thirty (30) days from the date of this Notice. Dur1ng that time you must arrange and attend a 'face-to-face' meeting with a representative of this lender, or with a designated consumer credit counseling agency. The purpose of this meeting is to attempt to work out a repayment ~lan, or to otherwise settle your delinquency. This meeting must occur 1n the next thirty (30) days. If you attend a 'face-to-face' meeting with this lender, or with a consumer credit counseling agency identified in this notice, no further proceeding in mortga$e foreclosure may take place for thirty (30) days after the date of th1s meetin$' The name, address and telephone number of our representative 1S: MELLON MORTGAGE COMPANY SUITE 2300 1775 SHERMAN STREET DENVER, CO 80203-4395 The names and address of designated consumer credit counseling agencies are shown on the attached sheet. It is only necessary to schedule one (1) face-to-face meeting. You should advise this lender immediately of your intentions. PAGE TWO THE PENNSYLVANIA HOUSING FINANCE AGENCY CAN BE REACHED TOLL FREE AT 1-800-342-2397. . MATTLEMAN, WEINROTII & MILLER A professional Corporation Attorneys-at-Law Your mortgage is in 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 total amount of the delinquency is $ 20087.20. That sum includes the following: payment due for 11/01/95, through and including payment due 09715/98, together with applicable late charges of $ 592.20. If you have tried and are unable to resolve this problem at or after ~our face-to-face meeting, you have the right to apply for financ1al assistance form the Homeowners' Emergency Mortgage Assistance Fund. In order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application with one of the designated consumer credit counseling agencies listed on the attachment. An application for assistance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency will assist you in filling out your application and will submit your completed application to the pennsylvania HOusing Finance Agency. Your application must be filed or postmarked, within thirty (30) days of your face-to-face meeting. IT IS EXTREMELY IMPORTANT THAT YOU FILE YOUR APPLICATION PROMPTLY. IF YOU DO NOT DO SO, OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely important that your application is accurate and complete in every respect. The pennsylvania Housing Finance Agency Agency has sixty (60) days to make a decision after it receives your a~plication. Durin~ that additional time, no foreclosure proceedings w111 be pursued aga1nst 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. The pennsylvania Housing Finance Agency is located at 2101 North Front Street, Post Office Box 15530, Harrisburg, pennsylvania, 17105; Telephone Number 717-780-3800 or 1-800-342-2397 (toll free number) . Persons with impaired hearing can call 717-780-1869. PAGE THREE THE PENNSYLVANIA HOUSING FINANCE AGENCY CAN BE REACHED TOLL FREE AT 1-800-342-2397. MA1"l'LEMAN, WEINROTll & MILLER ^ Professional Corponltion Attorneys-at-Law In addition you may receive another notice from this Lender _ Act 6 of 1974. That notice is called 'Notice of Intention to Foreclose', You must read both notices since they both explain rights that you now have under Penns~lvania law, However, if you choose to exercise your rights descr1hed in this notice, you cannot be foreclosed upon while you are receiving that assistance. ver~=~~~&~/rIJ- ~SSA M. OCONNELL For the Firm MMO: vm Attachment PAGE FOUR THE PENNSYLVANIA HOUSING FINANCE AGENCY CAN BE REACHED TOLL FREE AT 1-800-342-2397. MATTLEMAN, WEINROTH & MILLER A Professional Corporation Attorneys-at-Law You may be eligible for financial 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 emer~ency temporary assistance if your default has been caused by c~rcumstances beyond your control. you have a reasonable prospect of resuming your mortgage payments, and if you meet other eligibility requirements established by the Pennsylvania Housing Finance Agency. Please read all of this Notice. It contains an explanation of your 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 must arrange and attend a 'face-to-face' meeting with a representative of this lender, or with a designated consumer credit counseling agency. The purpose of this meeting is to attempt to work out a repayment ~lan, or to otherwise settle your delinquency. This meeting must occur ~n the next thirty (30) days. If you attend a 'face-to-face' meeting with this lender, or with a consumer credit counseling agency identified in this notice, no further proceeding in mortga~e foreclosure may take place for thirty (30) days after the date of th~s meetin~. The name, address and telephone number of our representative ~s: MELLON MORTGAGE COMPANY SUITE 2300 1775 SHERMAN STREET DENVER, CO 80203-4395 The names and address of designated consumer credit counseling agencies are shown on the attached sheet. It is only necessary to schedule one (1) face-to-face meeting. You should advise this lender immediately of your intentions. ~GETOO THE PENNSYLVANIA HOUSING FINANCE AGENCY CAN BE REACHED TOLL FREE AT 1-800-342-2397. MATTLEMAN. WEINROTH & MILLER ^ Professional Corporation Attorneys-at-Law Your mortgage is in 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 total amount of the delinquency is $ 19513.28. That sum includes the following: Payment due for 11/01/95, through and including payment due 08715/98. together with applicable late charges of $ 575.28. If you have tried and are unable to resolve this problem at or after your face-to-face meeting, you have the right to apply for financial assistance form the Homeowners' Emergency Mortgage Assistance Fund, In order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application with one of the designated consumer credit counseling agencies listed on the attachment. An application for assistance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency will assist you in filling out your application and will submit your completed application to the Pennsylvania Housing Finance Agency. Your application must be filed or postmarked, within thirty (30) days of your face-to-face meeting. IT IS EXTREMELY IMPORTANT THAT YOU FILE YOUR APPLICATION PROMPTLY, IF YOU DO NOT DO SO, OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely important that your application is accurate and complete in every respect. The Pennsylvania Housing Finance Agency Agency has sixty (60) days to make a decision after it receives your a~plication. Durin~ that additional time, no foreclosure proceedings w~ll be pursued aga~nst 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. The Pennsylvania Housing Finance Agency is located at 2101 North Front Street, Post Office Box 15530, Harrisburg, Pennsylvania, 17105; Telephone Number 717-780-3800 or 1-800-342-2397 (toll free number). Persons with impaired hearing can call 717-780-1869. PAGE THREE THE PENNSYLVANIA HOUSING FINANCE AGENCY CAN BE REACHED TOLL FREE AT 1-800-342-2397. MATTI.EMAN, ~IEINROTH & MILLER A Professional Corporation Attorneys-at-Law In addition you may receive another notice from this Lender _ Act 6 of 1974. That notice is called 'Notice of Intention to Foreclose'. You must read both notices since they both explain rights that you now have under pennsrlvania law. However, if you choose to exercise your rights descr bed in this notice, you cannot be foreclosed upon while you are receiving that assistance. V:;;=~~'kmJJ jelt- MARISSA M. OCONNELL For the Firm MMO: vm Attachment PAGE FOUR THE PENNSYLVANIA HOUSING FINANCE AGENCY CAN BE REACHED TOLL FREE AT 1-800-342-2397. PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES CUMBERLAND COUNTY Consumer Credit Counseling Service of Western Pennsylvania Inc. 2000 Linglestown Road Harrisburg, PA 17102 (717)541-1757 Financial Services Unlimited 117 West 3rd Street Waynesboro, PA 17268 (717)762-3285 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, PA 17101 (717)234-5925 FAX#(717)232-4985 YWCA of Carlisle 301 G Street Carlisle, PA 17013 (717)243-3818 FAX#(717)243-3948 The Pennsylvania Housing Finance Agency can be reached TOLL FREE at 1(800)342-2397 . ~ Q ~ r::::\ - ~ ru '~_I "r-., ' . , ) --.j Y' e0, -, \.Jv r- "'-.,J ~ \'-- ..... ~. , , ~ '.)J '" ::' c.v v.> ) .. ~\ ~ , ::.' , ~ ' .1 <-';J Ci <0 -! \'- ' ) 'gl -- ':'1 :J -, I , , i Service was made on the Defendant (s) by the SherIff of Dlluphln County viII Deputlzcd Rcrvlcc: CHARLES A LUDWIG MARYJANE LUDWIG - 12/10/98 - 12/10/98 Assess Damages as follows: Principal and Interest Interest from 10/23/98 to 02/11/99 Costs Incurred TOTAL $ 67718,04 $ 1367,52 $ 750,75 $ 69836.31 MATTLEMAN, WEINROTH & MILLER By: 212/45830 ; I I , I I I .1 , i 2. I forwarded to the following defendant(s) on the date(s) listed, by regular mail, a copy of the Notice, Rule 237.1: CHARLES A LUDWIG - 01/12/99 MARYJANE LUDWIG - 01/12/99 A copy of the Notice is attached hereto. 3. I certify that the foregoing statements made by me are true. I am aware that if any of the foregoing statements made by me are wilfully false, I am subject to punishment. MATTLEMAN, WEINROTH & MILLER ::'orn~~"O'iff S aron O. Mo Esqu1re Dated: 02/10/99 Our File No. 212/45830 OFFICE OF THE PROTHONOTARY Court of Common Pleas Prothonotary To: CHARLES A LUDWIG To: MARYJANE LUDWIG Our File No: 212/45830 Date of Notice: 01/12/99 .................................-....................a.a.=a=====a.a.a.. MELLON MORTGAGE COMPANY Plaintiff VS, COURT OF COMMON PLEAS CUMBERLAND COUNTY NUMBER: 98-6347 CIVIL CHARLES A LUDWIG MARYJANE LUDWIG Defendant(s) .a.a..a.a.=...._.....=._.======_======================a=a==a=====a=aaa== NOTICE, RULE 237.1 *** IMPORTANT NOTICE *** You are in default because you have failed to take action required of you in this case. Unless you act within ten (10) days from the date of this notice, a judgment may be entered a~ainst you without a hearing and you may lose your property or other 1mportant rights. You should take this notice to a lawyer at once. If you do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help. COURT ADMINISTRATOR - CUMBERLAND COUNTY CARLISLE, PA 17013- 717-240-6200 onCE PUR ~S ANT TO FAIR DEB THIS COMMUN/~~ PRAQILCfiAcr COLLECTOR THlt~N IS FRO^': A DEBT COLLECT A DEBT AND AN ATTEMPT TO OBTAINED WILL BE ~NY INFORMATION PURPosiED FOR THAT e1-~2-1999 16'47 7' "!4e 639B CUMBER~AND-~' 'HERIF p.e3 SHERIFF'S RETURN - OUT OF COUNTY CASE NO: 1995-06j47 p COMMONWEALTH OF PENHSYLVANI~: COUNTY Or CUMBERLAND KELLON nORTy!~~OMPAHY V.,. ~. l.UDI/IG CHARLES Ii E1 AL ..B.. Tholl\":;; JUin.. ____...__..... ':.ho?r j if. "ho l>...illg <:Iuly sworn 'icC'.lI'-jlrl';l .' to l~w, $ay~, thlt h~ m9d~ ~ dili~~n~ s9arch ~rld inqulfY !~r the vit~li~ nempd d.!end.n~. to wit: . LUDWIG ~RY JANE -----.--..------ ._----.-.-.._-~._.....- t-ut ~e. unllb~<) to lo.:;;t.<>...__...__1:l.IV:..__... '-I'. t,ls baijjvi':,:,' HE' l.hp.ro.'I'~na deplJliZo!'.:j the 'ah'il"if..! 'J! _..._~f!!1:L(:O\!1:I.1Y.__ Guunt.;,. PG'nn"Ylvani,1. to zerv<? t."", ~i t.~.1n COl'lPLAINt...:... MCIRT f.MlL_._.._..______...._. -_._---~ ..------.-...- On [lpcPIIl.UL 2::'nd. 1998____, thi<i ~I:[fie!' vu Ln :-eeo;.ipt of t.i1~ lltti;leheod rll'turtl fl'om --__-1.]l..1I..E.I:!I1i~IjJ'L.._ :::"unty. F'",nn"~'1.v'Jnj.... SheX'" i.t:i' s CI':'S'tEf: r'oc.kli>ting Out elf County SUt'ctl~r9" 6.00 . 00 6.00 ~~~ 1. fii. .. ri'I"J. ;\'r~.<;12i MA,n.E:MAN W!':IHRC'TH r. MILLEI'; 12/22 Il'~}'ge Svo~.n 3nd &~b$cri~ed to befnr~ ~e +.h::.:. -;jay 0:1: ___. 1:1 A. P. Fro t hl~rlr.i1.ary-----:--_... 01-12-1999 16147 7l- ~40 6396 CUHBER~ANO-~' ~HERIF P.02 SHERIFr'S RF.TURH . OUT or ~OUNTY CASE He" .19":1e'06347 p COMMONWEALTH OF PEHHSYL~^NIA: COUNTY DP cu~aERLANP J l1Jl:LLOIl MORTGAGE COllPAIiY..___. \~"': ." ~~~~i.\RLES A ET AL________ t. ;f t' I ..".....----------..-~----.._~_..__.- _(!""._'t.!Js1.l!!<tl?..J:;.\.1Jl'1.__..._._...._.. ~~;her'ifJ, ...t,., b"HV'; <:l'.J.l Y /r....,n' "'=':;'H .-..tinq -t..0 law. 3'9YZ. ~~hat. he tf\ad~ i:\ t.1iligerl~ 1-:.;:aoifir~h ;:!In,j ~rIQUll"1 il:l'r thE! \lit.h,Ln nalll9d dp.f...ndar,t. ,.., ...it: .J.Y.t!.la.G CHAllL~S A but.. 'Wa~ uo~r,le t~ lo,:~+..fil n...__.___,.!:linL_..._ ir. h.i.~ btlili\ficK. H~ t..h~roS1!"t'c do;o''','.i::~-:t thO' sh",:-iff :..f. ___Q.AJi.E.!llJ:ln\,.Q!.!.I!.1X-_....... CO'Jn'.:.'. P~l\n:;;rl"ani". -te. !'6'rV'l' the ..Hhin ..1:Ql1PLA!NT . nORT FURE: ._____________.....__:.... ';,:' 7'i .i On .~..!!!.Ur 2:?nd.... th& att~ched retul'n fram 1998 __--' this. o:>f!ice "'.II> in n."...ip'l .,f ____......PAi.lP..!ilJL<::ql,ll.!IL-_ Gount.y, P"I\M,yl'/~ni".l. SheJ.i:fi's C:c.'s+.s: Dt.ok".l; inQ Out of County 5vl'eharqe; [lAUPHHt' COUNTY :,.., , 18.00 '3.00 6.00 3'S. ~5 If ~;:I, .:;'" W: ,N: ~o;g~'2"5 MI<TTL.EI1A'" "'E:rr~RO"'H l:. M!L....EI< ::J:::/ J.'~r::J8 r"'i .~: ,J.4<' ,.,." TJ ~ ,I' l"; f ~~. Sworn st:d ~ubaeri~ed t~, b~!Ol'8 "lq .. t.his< .__..... dG/.Y of _"_'__'___'_ 19.__.. A. D. ---.-.----."PFOt'l;onOf."ii"?T.....--.........-....- (RULE OF' CIVIL PROCEDURE NO. 236) - REVISED IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW ..a__.......aa=============u=====================================:====== MELLON MORTGAGE COMPANY 1775 SHERMAN STREET SUITE 2300 DENVER, CO 80203-4395 Plaintiff VB. COURT OF COMMON PLEAS CUMBERLAND COUNTY NUMBER: 98-6347 CIVIL CHARLES A LUDWIG 1514 HIGH POINTE DRIVE APARTMENT B HARRISBURG, PA 17110-9224 MARYJANE LUDWIG 1514 HIGH POINTE DRIVE APARTMENT B HARRISBURG, PA 17110-9224 Defendant(s) NOTICE PURSUANT TO RULE 236 ------------------------------------------------------------------------ ------------------------------------------------------------------------ NOTICE IS GIVEN THAT A JUDGMENT IN THE ABOVE CAPTIONED MATTER HAS BEEN ENTERED AGAINST YOU. . ~. j PROTHONOTARY - CUMBERLAND COUNTY If you have any questions concerning the above, please contact: Sharon o. Morgan At torney 1. D . Number: 60068 MATTLEMAN, WEINROTH & MILLER Suite 2226 - Land Title Building Broad & Chestnut Streets Philadelphia, PA 19110 215-923-2225 Attorneys for Plaintiff NOTICE WRSVANIJQ1AIR DEBI COLLECTION PRACTICES ACT. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ,..----., "'-. ~'v. ~~ ~. ~ . . ~~ A,,~C' ~ :;t'c...1 L( -t:--..~ - ?D "'-l -..,J - ....... o '-"') 6. n "., r:- '. I ~,-* -. 1 .-, " , I :":1 r-.' : iJ ~~ , ;..: ~~;~ <- , - \D ._.t. r - 1. ~) -" :~:,~! , " I . . -, .' :.' :--:j :::! ...J -, ~ " -..l\ .,- ...."1 m '"f~~,!!~";~"?r' ;'~ ~.' ~ ;'..~ ):. ~(' .,,".' .. ~ ~ . 'r " ~. ..' . t. A.,.. ,: ~:: '.',') Gj 11~i~!. ., I', ~ , ,.....' I . . In The Court of Common Pleas of Cumberland County, Pennsylvania '. Mellon Mortqil'll! Company VS. Chnrlcs A. Ludwi'l, ct. ill. Servo, Mnry Jane (,udwig 911-(>34'1 Civi 1 No. Now. 1 1 11 n ICJH .19_.1. SHERIFF OF CIJMIlERLAND COUNTY. PA. do hereby deputize the Sheriff of Dauphin County to execute this Writ, this deputation being made althe request and risk of the Plaintiff. L/.d ?'"fJLt~~< Sheriff of Cumberland County. PA Affidavit of Scrvicc Now, ,19_,at o'clock M. served the within upon at by handing to a copy of the original and made known to the contents thereof. So answers, Sheriff of County. PA Sworn and subscribed before me this_day of ,19_ COSTS SERVICE MILEAGE AFFIDA VII $ $ Mattleman, Weinroth & Miller 100 S. Broad Street Suite 2226 Philadelphia, PA 19110 BY:Marissa M. O'Connell, Esq. Attorney 10 NO:66629 Attorneys For Plaintiff 215-923-2225 =================================================c=~==a=:._.aa Mellon Mortgage Company 1775 Sherman Street Suite 2300 Denver, CO 80203-4395 Plaintiff COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: qt - (pj 4-7 ~ VS. CIVIL ACTION MORTGAGE FORECLOSURE COMPLAINT Charles A. Ludwig 1514 High pointe Drive Apartment B Harrisburg, PA 17110-9224 Mary Jane Ludwig 1514 High pointe Drive Apartment B Harrisburg, PA 17110-9224 Defendant{s) ================================================================= TRUE (j;()py FROM AEOORo In T8StImony WIlemof. I here unto sot my,.. and cI ld at Carlisle PI. T lr, 19ft- .f NO'rICE 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 get forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD 'rAKE 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. Court Administrator Cumberland County Carlisle, PA 17013 717-240-6200 MA'M'LEMAN, WEINROTlI & MILLER BY,Marissa M. O'Connell, Esq. Attorney lOll: 66629 Suite 2226 Land Title Building Broad and Chestnut Streets Philadelphia, PA 19110 215/923-2225 Attorneys for Plaintiff Mellon Mortgage Company 1775 Sherman Street Suite 2300 Denver, CO 80203-4395 Plaintiff COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. NO. : Charles A. Ludwig 1514 High pointe Drive Apartment B Harrisburg, PA 17110-9224 Mary Jane Ludwig 1514 High pointe Drive Apartment B Harrisburg, PA 17110-9224 Defendant(s) CIVIL ACTION MORTGAGE FORECLOSURE COMPLAINT CIVIL ACTION MORTGAGE FORECLOSURE COMPLAINT 1. Mellon Mortgage Company, 1775 Sherman Street, Suite 2300, Denver, CO 80203-4395, hereinafter referred to as "Plaintiff", is a Mortgage Company conducting business under the laws of the Commonwealth of Pennsylvania and brings this action to foreclose the Mortgage between Charles A. Ludwig and Mary Jane Ludwig, Mortgagors referred to as "Defendants", and itself as Mortgagee. Said Mortgage was dated 07/31/86 and is'recorded in the Office of the Recorder of Deeds and Mortgages in CUMBERLAND County, pennsylvania in Mortgage Book 827, Page 404 and was subsequently assigned as follows: Mortgage Book 325, Page 134. A copy of the Mortgage and title search revealing assignments are attached hereto and made a part hereof as Exhibit "A". The Mortgage is being assigned to Plaintiff by way of assignment to be recorded. 2. The Mortgage secures Defendants' Note dated 07/31/86 in the amount of $47,700.00 payable to Plaintiff in monthly installments with an interest rate of 10.125\. 3. The land subject to the mortgage is: 775 Erford Road, Camp Hill, PA 17011 Please see copy of the legal description attached hereto as Exhibit "B". 4. The Defendants, Charles A. Ludwig and Mary Jane Ludwig, are the Real Owners of the land subject to the mortgage. The Defendants address is as follows: Charles A. Ludwig 1514 High pointe Drive Apartment B Harrisburg, PA 17110-9224 Mary Jane Ludwig 1514 High pointe Drive Apartment B Harrisburg, PA 17110-9224 5. The Mortgage is now in default due to the failure of the Defendants to make payments as they became due and owing. The following amounts are due: principal Balance Escrow Deficiency Interest Calculated to 10/22/98 Accumulated Late Charges property Inspection Fees Other Fees Attorney Fees TOTAL $43997.92 $ 5939.92 $13620.58 $ 592.20 $ 282.75 $ 60.00 $ 3224.67 $67718.04 plus interest from 10/23/98 at $12.21 per day, costs of suit and attorney fees. 6. In accordance with the provisions of the Act of January 30, 1974, P.L. 13 No.6, Section 403 (41 P.S. 403), a Notice of SEP l)4 ''i/b 15' 15 FR ME~l.CI. REI)/FORECl.O;.E.R303 El37 ~245 10 ~1215SE.74151 P.02/14 '.' '. 22141).1 '"'\ , -. \ I f)O(P;+J-IJ .- ;.: ~ ... "H~ , ,. ~ ;, <0........ ..~. "01 : .t......'. ,.. ..... ~ ""1 " I:) ". ,"':J .... II.... ..... 'f'\rr.:t ~.... '" ."'..,.... 0ftI) MORTGAGE ~SMOI\TC"CE t'~~I~'i'l9:\..'1jo&i1!dn JUl.T 31 I' HAitajZ&"~~~~G ("Borrower'_ Thll Stcllnl~ II'lSUllm""l i. c'.en 10 HDU'rOR I1OR.TGltCE COkPOW%ON-EAST . which Ii or,anlltd and ubtlnl undu 1ht 1'''1 or CQHHQNVVJ.:H or PA. . and whose .d~rCSl it AVENIlE OF = 1>1,':$ Ill.nG BROAD , CllUTII'Jr ='1'$ PHILAIlEU'I\IA. FA 19107 ("Lend,,"J. -- LcIIdct'h,prineipohum01 FORT'!' SEVEIf :noUSANIl SEVEN H1lNll~ , 00/100 Dollal'l(U.S. S 47 '00 00). Thll debt i. ."idcnccd b,. 80tf'OWct'IIlOIC dlled the I&lnC dale IS Ihcs Securil)' lnSlnamml ("Note", which p'o~ldcs lor monlhl)' p&ymmll. with the full debt,linat paid urH~r. dlK and paythll Oft A~aST 1. 2016 T'hts SeeV"I) II\JI'Ltmenl *\lrcs 10 Lender: el) the rq:tlymO"II of 1M debt tvIdcnc~ by Ole Note. with iftlC1"I, and "U rencwals. utmsions and modifications: (bllhe paymenl or aU other sums. with InlCTest. adllantrd undu para.nph , 10 prolect the St:Curil)' orlhis Srcutit)' Instrumenl: Ind (c) the pcrf'ormancc or Borrower's cov-..tllnu 1n4lrrmncnlS under Ihls SccurilylnslNment and lhe Note. For Ihis p\lrposc. DotTO*'Ct docs hcrtbJ_monCacc. en"1 and eORve110 Lender the tollowine dncribcd propcn)' located in COHBERLAND Counl)'. Pc:nnsl"IYlnla: SEE ATTACHm LEG.U. DESCRIPTIoN ~-. k:~ . /~.. I~. l~~... ., /',,,;. ." " . 1,._.. ""..' -"':"""~-_....._- .....hlen has InC ;addrt'U or 77 S tRiOR!> ROAD 1$""'1 17011 C"Properl)' Addrm"): CAIIP HILL lC,I,) Pennsylvania IZ" e.ee' PLAINTIFF'S .:,. EXHIBIT:.. .' " '/1 " ....' , . ." TOGETHER WtTH all the imp,olo'emenu nnl&.' or he~(lcr ereeled on the propeny, :and 7\11 c:asemcnU. ".thiS, 'ppunenanees. r~ts. royalties. ",inen.l. oil and las "gnls ;and protin, 1lI~1f:f ri,)\ts and Sleek and all fi:uurcs nO\ll or htrc.afler.. "an orlhe property, All replacemenls and additions shall.bo be co....cred,by this SecurilY Instl'\lmeRl. ^ll oflhe (oregoinE is rcrcrrcd to in Ihis Sc:urny lnmvmcnl as the "Prop:~I)'," BOJtRO'ol.',ER COV>iSASTS lhat Borrowcr is 1.1\11rulI)' s<:iscd or Ihe !Sule hereby eonyc)'ed ;and has the: rij!.hl 10 mon\:lzc. &nlnl 3nd convey Thc Property and that the Property Is unencumbered. CltO:pl ror eneumbr~,lC:cs or 'ceord, Borrower war.ants and will dl:Ccnd ,enerally lhe title to the Property as:lins( all cla..ims and demands, subjcel 10 :I"Y Ctlcumbrance~ o( record. TUI!: SECURITY l:-.~tRUMt!\.'T combine!. uniform cn"c:'tIanl' (or nllion.31 use ,nd non.uniform Co~n&nU w;lh limiled ~1.riallon:o; b)' juris.diC'lion In conslitulc I Uniform SCCUril'f InSlrumehl co....enn' real gropcrlY. '.'''' ;,:( PENHSYl VANIA-Sonllt M"le,n ~Il' '"' F,mll,_F'NMa/FHLMC UNIFORM INSTRUMENT ~ &,~7 I'~~~. ~ r' 1 '0"" )039 l2/a:! .;. '. .. . '1 SEP 04 '90 15' 15 FR MELLON REO/FORECLOSER303 837 2245 TO ':11215%74151 .. UNI".llIl,M C, .1'iTS Bo',o*er In~ Lrl'ldcr ;O~r"jftl '''Cl'I'er II r~ I. ".,.ment 01 ,"lnelDal and Inu:rUl; P'....""'UI slid UtI ells,Su. _.r..., ''''-1011 "'Offt,.l~ f'l., _..., of.", lhe ,,.,ncip.1 ol....d internl on ltc dtbl c..,dtllt"t-t b) rh, N~,. Il\d 'fI, ""'\,""1'111"4 '"e ellat,,, dwe ~"4r' ''''. ,\:ftff Z. fundi tor Tn-a Incl '",uranu. SI.lbj<<: In~ephClblr l,-or 10 ,_rmt" ..",-c' 'i, L,,,"'''' 8cI,,"_.. ''''.11 ra) 10 Lender On rhe d~y monlhly p'>,,",,,r, arc dl,lc undtt lhe "'''1(. vrmlchc ~Olt II p.,d '" (vII.. ',,1ft '''''v,,','') .~v",IIO ont-rwclfth or: (I) )'url,luCI and :ss.cnmcnlS "","':'" ma, ml'" I"nonl, 0-" 'I'Ii, S<<urll~ IntHl,Uft,'fU. f~J 'f",I, Icwhold plymcnlS or 1'0\1"4 rmll on :1\. 'repell)', " ~n,: It) yurly P'I,nlre i",ursnu' ~ttm'ijm.. Il'\~ ldl '~ll,l, ",0"'.1' i""u.nee premiums. ifollnJ. Thue items ~u ulled "","'1'" ,,,...." LClldu ""., ~"""I. Il'Ie F..",h. J.... .Ift I"~ bUI5 of ,,,rr'"1 dacasnd rCaIoOn.ble CStlm.ln o(f"lure u.:t?'6' lit,"' . The Fu"ch sh.1l be held in.n inltit~llon Ihe depOI'll or leCOl:nll of .tllth I'e 1"...rt'4 0' 'Wlr~'lttt'4 br . r~(Ic,..t 0" l"lt -se"e, (indwdil'l' Lendsr ir Lelld::" il t\u:!\ '1'1 Ill'IlIUhOnl L.n'ef .t\an I,pl, I"" F.."c:, to ,'y _hc fWtl'l" IICf'"Ic. Lender may noc char,c (or holdine 'lid appl)'i". Ihe Funds. ,",I)'lIn, Ihe I<<ounl or "e~lf11"I'ht ftC'ro. IIt"'l, IoIft''''S Lender paY$ Borrower InlCtcsl on lhe FUl'lds '1'141 Ippliclblc 101" pcmlll1 Lclldu 10 m.lle I"':" a char,l. Iorr,.., 'II~ Lender m., "ree in ..rhin, that inlUCf,e shall be paio on Ih, FUl'ld.. 1;,,'11I If' .,r"menl is. mid, or IP:>liuble I,... requird inlctcs( (0 be p2id. Lendu shall 1:01 be required 10 p., 8orro..c:t Ifty inter", or arrtln,s on Ihe Pwftdl. LenGer 'h,1I ti"'t 10 8orroW(1'. without charct. In ennuallccountin, orlhc 'IIAlI stlowln, crf4.1S '''4 d,bill '0 ',he FIoI~cb Ihd .he purpose (or which uch debit 10 ,h. Funds. ,,",as made. Thc Fundi Uf ,lfdal'd .Iaddilfo"al IIcuruy ror Ihe ,..rn, ...c..red' by Ihis SccUrllY Instrumfnl. lIehe .mount or ttae Funds held' by Lender, to~elh,t w:lh ,he ruture monlhl, p.,m'''1I or F'uruh "'I'lf pnor 10 IhcdlolC da(cs orthe c:scrowj(eml.shaU cae<<d ItI'lrn~\Ift1 rtquired 10 pnlhe ncrow items whc-n d..c.ltlc UCftJ ,h.lI be', II BotTOwct"s op,ion, either prompcl, r~id to Borrowcr orcr,ditcd 10 Borrower on monthl, 'I)'m'nll or Funds. tr .he amounl o(lhe Funds h.ld by Lender is not lufticicnt 10 pay Ih,a.cro'"' hems..htQ dlle. Borto,",..r than P'JIO Lender an~ lmoum ncc:csSlry 10 m&Jr.c up theCScfieicncy it! Onc or more p.ymmu u rc~ultCd by Lender. Upor. p.)'ment in rull or an lums sc;urC'd b)' chis Sc:cu",y Inl\rumcnl. Wndet ..hall promptly "rund 10 80ttO.....f .ny Fundi held by Lender. Irunder plfacnph 19 Ihe PtOpc'rc~ is sold or lequind b, Lender, Lender ihan.ppl" no lalcr Ihan immediatel, prior eo the sale or the Propen)' or hSlCqullhlon by Lender, In1 r..nCls held b, Lender II Ihe TIme or appli=tion as a crcditlcainn Ihe surns s<<ured by Ihls muol,. In"",me"l. 3, ApplicatioD ot Paynu:lIls. Unless aFplicable law pfO'o'ldts otherwise, ,II ,.ymCftII rccei"td b, L.nder under plnuaphs I and 2 shall be applied: linl, to 1.le charees due undu the Note; SC':ond. to prepa,ment eharaes due under Ihe Note; third. 10 .mounts pa)'able under panrnph 2; founh.loinlc:rcst due: and lulolo prillcipal due. .. Cwr,es; !JellS. BalTo...er ,hlU pay aU cues. assessments. chlTld. .5I1S ~nd imposldonJ .attnbut.able 10 the Propeny which may .twn prioril)' o"r:t this SecurilY Insuumcne, ~nd lcuchold p.,menlS or ,round rents. ir an,. Borrower .haJJ p.y these obliptions in Ihe m.annC1' provided In plraCl'J.ph 2. or ir not paJd In lhal manner. Borro...er ,hall ply chem Oft lime direcc))' 10 Ihe petSon owed payment. Sorrower sh.1I promptly fu",lsh 10 Lender all notices o( .mountS to b! paid under this plr:aguph. IrBorro1ller muc:s th~ p.a)'mcnIS dirC't1IJ'. Borrower shall prornpllt rurnish 10 tellder rcuipu evidenc!ns the payments. ~tt wll promptly disch&tse any llen ..hleh has priority O"er ttllt SeeUrit, Inurumcntllnlcss Borrower: (a) .srteS in ..ridn& Co U1e payment o(ehe obli&.rion sccvtcd by Ihe lien in a manner .~t.able 10 lender: (b) eonlClU In lood (ailh the lien by, or defend. a,.insl enforcemenl orlhe lien in.lepl ptocecdinp which In che Lender', opinion openl' 10 prt'tcru Ihe en(orcement orehe lien or forf'citurc o(an, put orlhc Propc:ny; oree) $eCUro (rom the holder o(HaeJi.c.,.,.an . as'ttfnenl sausr.aory to Lend~ subordinadnClhe licn 10 lhi$ Security Ins(tum~t, If Lender delermines IMI any pan 0' Ihe Propen)' is subject 10 a Jien which may IU2in priOril)' o"cr this Scc:urilY lnmumcnl. Lender ml, p"e Borrowet . ftotiee idenllrylns Che lien. Borrower .shall Sllis(y Ihe Ilt:ll or lake one or morc o(thc: actions set (orth abo".. wit hi" to da)'s o(ltle ci...lnc o( nodC4 S. Heard Insurance. Sort'OwCf shalllteep rhe impro'f'cmenlS no., czl11inl or her","u:r cr<<fCCl on Ihe Propcny insured astinslloss by fire. hAurds lru;ludcd within the term .'czlcndecl coYCI'J.CC" 2nd any other huards ror which Lend..r requires insurancl:. This in.sunncc .sh:dJ be maintained in Ihe amounts and ror Ihe periods Ihar Lender rl:quiru. The in~ranc:e camer proYidinC the insul'Sftce shaJl be chosen by Borrow" ,ubjtet1o Le:nd.er's approv.1 which Ih.1I not be unrcuonably withheld, Alllnsuranc:c policies and renCWIts sh.n be acc:eplable 10 Lender and shall inc:lude a Sllndatd mone.ce cl.use. Lender- $bIJl havc the righ"t to bold Ihe policies 2nd renewals. lfLmder requires. Borrower sh~1I promptly ei"e to Lnldcr .11 reccipts ofp&id Prer.Uunu.nd n:nc-iil Roeices.ln Ihe e'tcnl ono~, Borrower sh.2l1sive prompl nOlice 10 Ihe insur2nee arner and lcndcr.lcndcr rrQy m2ke proof orJoss if not made prornplly by Borrower. Unless Lend., snd Borr01alU otherwise agree in wruitlS, Insurance procttds shan be: applied 10 restor.lion or rcp;),jr o( lhc Properl)' damaged, it the-rcstor.tion or ~ir is cconomic::aJl)' fwible and Lender's securil)' is not JcssencG, Ir (he restoration or repair is nOI t'COngmicaJly (c;sible or Lcndc:r's securit)' "'auld be lessened. lbe Insurance' proceeds stull be applied to the sums secured by Ih~ Securicy rnSlt\lnltnl. whecber Ot noc IhCtl due. with any e::tccss paid ~o Borro....er. Jr Borrower ab;ndons the Ptopcny, or does ftO( .ft$wer within 30 days a notice (rom Lender thl~ the in.ut:lnee carrier has alfered losetlle a claim, Chen Lendu En'y collcoet Ule insu;oal\ce proceeds. Lcndc:r mOlY use ~he proceeds to rC:P2ir or rCSlor.: Ihe Propcn, or 10 pa,. sums ICCured by Ihis Su:uriry Iftslrumcnt, wherhll:t or nOllhcn due. The JOooday period will beein when the nOlice is aiven. Unless Lcndcnnc1 8olTOwer olhC'fWise ;,r= in writing. any lIppliulion of proceeds to prinapal ,hall no; extend or postpone Ihe due dale 0(1he monlhly payments rercrred 10 in P1rlStlphs I and Z orch.lnJC Ihe amounl orrhe payments. Ir undcr paragraph 19 the Propcny is .c.quired by Lender, Borrower's right (0 an)' il\$urance: CI<lltcics and proceed1 rc:suhing (rom damase co che Prope">, prior to chic Qcquishlon shall PUIIO f..ender 10 Ihe e...tenl orlhe sums secured by Ihls Securicy Jnsfrumen~ immediatdy prior 10 (he Icquisiliotl. 6, Prcsern.tioR ~nd Maintenana o( Property; wsehold.s. Borrower shall not dC$ltoy. damage ar sub,l:tnli:llly ehangc Ihe Propc:ny, allow the Propc"y 10 dClcriotate or commit w:aSIe.. Jf Ihis SeeurilY 'nslrument is on :l leasehold. Bo~ro"'crsh.s.11 eomply wieh the pro"isions o(lhe 1C2Sc. and IrBcfTOwer :l;c:q\lir~ ree tide 10 the Property,lhe lc:2sehold 2nd ree licle shill nor mertc unles$ l..ender .agrCC'S to (he merger in "'rilIng. 7. Protection or Lender's Rights in rhe PropertY: Morcl2~e tnstlrancc. Ir 80",ower r::lib 10 perronn the eo"cnanu and agr=menU conlain:d in Ihis Security {n\Crumenl. or Ihere is a lesa! proceeding Ihat may slgniftel1ntl, atrcc:t Lendc:r's nehts In lhe Pro~y (such ;u :l. proceedlns in bankruprcy. probalt. ror condemn.rion or 10 ."roree laws or regularions). ehen Lender may do and p:l.y ror whatever is nttessary la prOIl'Cllhe "alueorthe Property Ind LendC't's riShes in the Propeny. Lender's aefions may inc:lude paying :tn)' sums 1c:eured by , lien which h2S priority OYer this Security Jnstrument, .appc:arinz il'l coun, payins reasonable attorneys' fees ~nd enterins on Ihe Propet1y 10 m2ke repairs. AhhoUlh Lender may take 2~lion under this paragraph " Lender docs nOI ha"e lodo so. Any alT10unu disbursed by Lender under Ihis p:l.t:l.graph 7 shall become addilionat debt o(BotTower sceuted by chis Security lnslrumcnr. Unless Borrower and Lender aS1'c1: 10 ocher lerms o( pll)'Tl1<t'lt.lhesc amounls shall bur illterest rrom Ihc dare or dilbu~mcnl II the No(e rate a"d sh211 be payable. ""ilh inlerr:sf, upon notice rrom L~der 10 90rro.....er r~ucstint p:lymer'll. <2- < r'~ bOOK o. I rAe,', ,.J ........... '.\;,,1'~'" ........~.......~.~.~,c:..c........'ll ., '~_...._ ..," . .. -" ,. . , --.. . ..~..~..~... ...~.....-l..\_._..~_~ _...._ __...... . .. . ,. -, . ,. . ' . .. -"':""-:-." f.. SEP 04 '9615:16 FR MELLON ~~O/FOR~CLOSER303 QJ 837 2245 TO 912155674151 J..:) P.04/14 '0 , '., .' I( l~ndcr rCQUlrtd morlllCC' insunncc IS. c,"dllicut o( "uiin, Ihe 1011\ sc;urcd bl" 1his SccuflIy InSlrumenl, sorrn..." .h,1I pay Ihe prcmi\uns Icql,lircd 10 maim.in ,hc ,nlUI.nce In dl'cct until such lime II (he rcqum:mcnl (or ItlC in,unncC' IC'",Il\atn in 'cC'o'd~ncc _lIh 8orro*cr"lnd t..rtdtr', "nlten 'Jrccmml or .ppliublc hi..... '0 Insp'clion. Lender or its alClI1 m.y mitt rc.aiOnablc f:nl"G upon 'nd inlpecllons or 'he PrOFK:"I)'. Lcndc~ ,I1.Il,i", Borrower nOlie. .l"he lime or or prior 10 In '1\IPf:uon IPKlf)'lne tcaloniblc (auSe rOt the In,pcchon. 9. Condt",A.ltJon. The prcxccds of In)' ..ard or cl.lm (or d.rnlla. dircct or cOl\scqucnull. in cot'lfIcc(ion wllb 11\1 condemn.rion or Glher Ilklne of Inl p3rl or the rroP':n" or (01 cor1Ye)'anc. j" II'U of CO"Ocml\)I'OI\, ale htlcby auiCl\cd .nd shall be p,id to Lender. I" Ihe event of" 10lal IIkln, of Ihe Plopen)'. Ih, Plocerd, '''',n be ~pphcd 10 the sums ICcured by this Seeufu)' Jru.lrutnmt. ~"'clhcr or not then C:ue. with 1RY CJm.$ paid 10 BorlOllrcr. In Itle ....cnl or. plni.J Ilkinc of the Properl)'. unltts Barra",.., and Lender Olher..isc asr" In -"'i,,&. Ihe sums sc,ur~ by I hili Seeuril,ln,"ume"t ,hall be r.dueed b)' Ih. amounl otlhc procetds mulliplied b)' Ihc followin, rlJClion: (I) Ihe tOlatamounl or1he sumS'lCcured immtclialel)' befo,e Ih.I.kina. dl...ided by (b) Ihe f.i, m""'1 ".Iue orlhc Propen)' in"ncdiatcl, betore the Ilkin" A.ny ball"" shan be pai(llo Bonowel'. If Ihe Propen)' is abandoned by Borrower. or if, &t"r "olic. b, Lender 10 BorroYol(l' thll rhe condemnor oKers 10 make an .w.,d or senle a claim (or dam:accs. Borrower fails 10 rcsPOnd 10 lcrldcl' Within )0 days "flet Ihe dalc the nOIll:e IS ci"cn. Lender is aUlhonnd 10 colleet .and appl)' Ihe procf:'t'ds. at ill opclon. either 1ft ru.tor~llion or rcp.air o(the ProrcMy or 10 Ihc sums ,ccurc:d by IhilSecc.lIilY Inmumellf, Whelhcr or nOI then dUe. Unlas Lender and Borrower otherwisca,ree In ""filii'll- any application ofproceech 10 principal shall nOI ulend or poSlpone the due cble of the monthly plymmlS refmed 10 in pars!t)plu I _"d 2 or chance lhe amount of such paJ'tt1enll, 10. 80"'0....r Not Released; Forbcanncc B)' unde, Not a Watwer. EJllmsion or Ihe time for p.ymen& or modlftcaliOl'l or amo"izacioft of Ihe Sums sreurcd bYlhis Sccurir11nllrumenl 'Nlnled by Lender 10 In1 succasor in inlercsl orSorrowCf sh;sll not opente 10 rclcuc the Iiabilit)' of che oricinaJ 8cM'ower or 80rrO\ller's sucecssnrs in Inlere-\t. Lender shaJl nOl be' requirc<1lo commencc prOC<<din" .,ainsl In)' successor in inletcst 01' refuse 10 e.llend lime ror payment or otherwise modify amoniz.alion of Ihc SUl'!JS S<<urcd by Ihi, S<<uriry Instrumt:rn by ru.son or .any dem:cnd m;sde by Ihe onglnal BOM'owcr or Borrower's sut'Cl:SSOf1ln Intercst, An). forbcanncc by Lender In exa-cnlnSln)' "Ihl or remedy shall noc be a ....I...er of or preclude IhcC.lcrase ohny nshl or remed)'. 11. Sutttssors and Assil:lU: BOI.ll1d; Jol1'l11f14 Se.c.raJ lJabilitr, eo..dp'us.. llle eOWCflaI"lC' :end &Jrecmcnts or this Sc:curhy InStrumcnl shall bind and benefit the successors and assipu orLeTldCf' and Borrower. subjec:1lo lt1e pro\ti,ions ofparasraph )7. BoM'l:Jwer's COYCJ1.nll and Igreements shall bejoinc an4scvcn.1. An)' BorrowC"t who eo.signs this Securil)' In:lrumcnt bUI does nOI eU!;\lle the Note: ea) is co-slpil'l& Ihis Stcurily InstNmenl onl)' 10 mongage. granl .and con"'c~ 'h~1 Borra_cr's inlcralln 1hc Propert)' under Ihe lenns of thIS ScrurilY InsuutnC'ftt: (b) is nOI pCnortlll)' Obliptcd to pay the sums secured by Ihis Security InsU'\lmc:nl: and (~) a&rC'C$ IN.t lender .and any Inher Borrower may liree: Co cxtend. modlry, rorbear or mike any .accommodllions wilh rczard 10 the ItrmS o( this Securily instrument or Ihe N'ote wllhour lhll Borro..er.s constnl. . _ --.:.... " 12.. LOaD'OIarges. Iflhe Joan secured by Ihis Security InSllumcnt is subjccl to.a l:cw "'hich selS maximum losn char'f:!, and thai laW' is ~nally inlerpreted so thll Ihe lftter~1 or othc.t loan eh"raes callcccc<l or 10 t:e collecled in conneclion with 1he )oe.n elcced the pc:nniucd limir.s, lhen~ ea) an)' .ueh loan charlt shall be reduccd by chc amoun: nccc:sSlry 10 reduce the charce 10 thc pcnniued limit; and (b) a.ny sums .'rcad1 collec:tcd trom Bol'T'OWcr which CAe<<ded pcn'I1iucd limits win be rd'unded 10 Borro....cr. Lender ma1 choose to make Ihis refund by rcducini Ihc. prit'leipal o\lted under Ihe Note 0' by rmking a direct paymeJU 10 Borrower. Ita refund reduces princip.L Ihe reduction will be crc.ated u. panial preplymenl 'llfithout any prcpaymmteharge under the Nott.. 13. LcgiSlatiOD "/LtrCC1:ing Lender's Riehl!. l( enaamen! or Clpiration or aC'pUcable laws has the clTCCI of rt::'lderin, an)' provision otthe NOle or chi, Securit)' Ins1rumcnt unenforceable lc:cordinSlo its tC"tms. Lender.., hs oplion, m.!y fl'Quire immediate payment in rull of III sums s~u:,ed by this Securit)' Instrument Ind may Invoke any remedle!: ~enniued by paragraph) 9..1r Lender e:J.erci~ this optio". Lender shall \OIke she: Sle:ps s~ified in rhe: second par.sraph or para8raph 17. 14. NotI&:eS.. An)' nOlic:c 10 Borrowerpro.,jded fot In this Security Instrument shall be: Jiven bydeli"'c:rinl il or b)' ma.i!in; it by first c.lass mlil unless applicable law requlrc:s use o( anolhel' method. The: notice .han be oireercCI 10 lhe Propeny Address or In)' olher address BOlTo,,"cr desl&:natcs by notice to Lender. Any nodce 10 Ltnder 'hall be ,I"ctl by til'Sl class mail to Lender's address sttted herein or In)' olhcrlddtcss Lender designatcs by nodc:c.lo BOM'ower, A.ny noriee pl'O'\f'ided Cor in this SccurilY )nstrument shill be deemed to ha...e been ~wcn 10 BolToweror Lender when ,i...Cfl a!: provided in Ihis pltasraph. 15. eo..emina laW: SC'\f'erabiUt)', this SecUrilY IlIStrumc.nt shall be so...erneO' by fedet.' law and Ihe law orthc jurisdiction in which the: Propcny is located. In thc e"cnt that ;sny provision ot cl.ausc or rbis Sccurit)' InStrument or Ihe Nore confticIs with :applicablc law. such eontUc:t shall not aJrec:t other ptovisions or Ihis Sceurit,r 'nSlf\lmCl'lt or the Note ....hich Cln be liven etrect u.ithoUllhc conJiicting pro\lision. To chis end the provisions 01 this Security Ins1tumctU and Ihe Note :lredccL:lrecf-1o be sC'Yerablc.. 16. Borro.er',I Cop)'. Borrower shin be given onc conronned cop)' of the NOle and Or this Security Inslrum.ent. 17. TransCer or Ihe Propcrt)' or I Bencfici..1 Inlerest in Borro"er. Jr III or any plr! of the Property or Iny intcrest in ic is sold 01' transferrcd (or if. beneficial intercsl in Borrower is sold or transferred and Borrower is n('ll. nalural pencn) without Lendcr's prior \&IriUen eo:'lsent. LeI1der ml)'. .11(1 option. require tmmcdi1te plymc:nlin (ull of IU ~ums secuted by this Securil)' InSlrumem. Howe"'er. Ihls opllon shill nOI be clerciscd by Lender If l'llerc:i~ i,; prohlbiled by rederallaw as of the ";ste orlhi~ Security Instrument. . IrLendcr exercisC$ this opllon, lender sh~1I ciye BOfTo,*,cr nolicc o(aceclcrcuion. Tht nOlicc ,hili providc a pc:riod of nOllen lhan 30 da)'s (rom Ihc datc (he nOlice Is ddi"ertd Of mailed wilhin whkh Borrower mUJI ~)':l1I JUmlo Securcd by IhiS Securily )nslrumenl, If BofTower (.:Ills to l'a)'lnese sum.. prior 10 the eJ.pinlion Oflhi., p::iod. Lendcr may invo~( "ny remcdies pcrmiued by Ihis Securit)' Instrumcnl wilhoul further notice or dtm.nd on Borlower. lB. BOM'o\fu'S Right to Reinst.:ltc. It Sorro....'r meets ccluin conditions. Sorrov.'er lh::lll h."e 1he ri,hl to ha...e enf(lrcemenl of this SeeurllY InsltUmenl diSl::orllinu~d:1.I Jon)' lime prior to the c::rlicr or: (a) j dll~ (or such olher peno:! as appHc:ablc 1:1...... m.a,. specify ror reinsIAlemel'll) herore slle of Ihe Pror>en)' lhlfSUlnl 1(llny power or sale c:nntalned in Ihi, Sceuril)' Inmument: or (b) enlry nf a jud,meftl c:nrorc:in~ lhis Sccuril)'lnstrumenl. Those condilions.are Ihul Borro....er~ (a) DoIYS Lender all sums which Ihcn ""ould be due under Ihis $ec:urilY InSIf\lmenl ,n(f lhe NOIC had nCt .cee!er:llion occurred: (b) cures :C'lY der~uh o( .n)" nlher C:OYenanlli or :!.j;rc:cmenls: ecl PIYS 111 eJpe",~ incurred In enforcin~ lhis Securit), Inslrumenl. including. bul nl)l lil'hiled 1n. rCllso'la~lc ~Ilcrntyf rec~: and Cd) lakes such .ction IS Lendcr ml)' r~n:tbly require It'l assllre thai Ihe lien or lhis See-uril)' Innrumenl, Ltndcr', ri~hlS in Ihe I'roperey and Borro....cr'~ obli'~lion 10 pl.}' Ihe sums ~ecured by this Sc:c:urily Instrument sh~1l continue unch::&n~c:d. U~n reinslllcn,enl by BorrC'l'Wcr, Ihis Scturity Instrument and lhe obli~.Ilions ~eeured hereby shall remain (ully dfecllvc .s if no Iccelerltion had occurred, Howeyer. Ihi~ ,ighltlJ rcinsl:alc shall nOI iJpplf in the caSe ot accelc:ntlion under paraGr.lf'lhs IJ or 17. ~ wiiii: 627 "le: 1 (It: , b37 2~45 rJo~ "1"0.. ...="'\'" ..""~ b"l fO." al'lC L.,lltu runtl., co"tnant an... .. ~c" folio.., . . 19. Aculenli.",: R''''"hn, L,,,.ft 1",11 II'" uhu 10 n,"o.,' p,lo, 10 IccclcnUOII fellopl.., Dor,,-cr', t.'f:lch of lAY CO"'lUn, ,racrc<mc"l hll'h'l S.cvntr 1'!'It""."H ~",I "01 ,riO, 10 arc.I"alio" .,nll" ,.ra~'a.hs I) IIId I' IIlIle" ."lIea.l. II" ,ro.ilJU o~l,wiUJ, Le.dcr stlall 1II01lt, D.rrowe, 0(. amOnt other chin!;.: III the dcfult: Ihlth, '(lio" r<<'4ulred '0 Cli,e 1M dd.l/.U; (cJ w.... Il\e del.ull mil" W curt'd; and (dllhar bil"r. 10 c",t' chc ."..".. :11 10nlftceS "'I' ,",,11 ''''KuICAII.. o( Ibl lumlue..,.. b, Ibil Stnn,)' flttl",,"cnl. fondosu" by judiCia' ,'OCttdil'lC aftd "'e of ItI. p,O""" Lcndftth,lIlu""cr Inform a,,,ow,, ot I'" ,IIIlIIG "lft"al' an'r acc.leratio" and ctlt ,iC"II.. aUIII ifllllc (orcC'luun ,roctedln, m. 6O"......II.nt. .1 I 4dlllll.'.." ""It dtfUM.t Borro_cr 10 stcelt"llo. ud t'''C'OII1'I. tr the d,(auU" nll'1 cu"d U 'Pt<'ll\cd. Le"dU II Ju _,hon ""y r.,vtre lmmUllltl "Y'""" iA full 01 11I'"m"c(u(cd'~ (II is S.euril' hUfrvm.1l1 _ll"vt hi""., d'f'Uft' ."d "'" "UclOlt '''1' S.n'll, J"UnunCnl b, J"dlcial "oeudinl- Lende, III'U be tntlll.d ro ('Oiled all ..peftUS Inevrrt4 In p"n"ln, Ift<< umf'dla p,otid,d in this plnrnpb 19.1ndudifti:, b", ftul Ilmut'd to. Inome,,' fta lAd cons of rill. ..ldenee 10 the nunt prnnhl.d by .p"liable 1._. 10. Ltruflf In P.uc.ulon. Upon .ccll,ratiOft IIndu plA&nph I' or abandonment of th, r,opcuy. Lcndc~ (In penon. b7 Icenl or bl juc:hc~lI, appoinltd ICccllfcr) ,hall be enmlcO 10 C"111 Upon. lakt poutllJon o( and m"ftIC_ Iht Plopen,. If\d to collft' the ,tftU orthf: P'~pm)' includlnl tholt pUI due.. Any renu collected b)' Lender or the tfcci..., ,hall be applied 1\"110 p.e,mcnl or the casu of m&/UI,m.t1t of Iho "open, and eall<<doA of leftl.. Ineludin" \lut :101 li~iled 10. rec.;"c", f~. pr,mium, on UCLilfcr', bonc1J lnd 'cuon,ble Illo,n,y,' r,CI. ancS lhe:l 10 the sum.. '"lolled b, lhis Securi,y Inlll'\lmmt. ZI. JUJu.... Upo" parmcnt of .n,ums secured by tbis Sccunry In'lt'\olmfftl, lender ,han disdllt&C Ihi. SlCurilY lnSINmC1\t .;tho\zlcharsc 10 BOrTOlI/cr. 8o".0,*cr dulJ PlY In, rcco,d.lcion COSll. 12. Rcwuccmelll Period. BOlrawcr', lime 10 rein.~t' pronded In ptl'1lnph 11 shall ulend 10 one 'Iou, prlor:o Ihe commencemenl olbiddlnClt' $hcnd"$ sale or othcr hie punUlnl 10 thls Sccuril)' Inslfumenl. D. Purclw. Mon., Mot'tIP,..IIIlI, or,he ~ebll<<\ln:d b, this Securiry InslNmcnl i$lcnt 10 Borrolller ~~ acquire ritle to the Propcny.this Sct:uril' InUNmCl'\l shall be a purehue mone, monp,c. 24, Inltrat Rail Alter Judfl'll'''t. Borrower a,ltes thallhe interesl Ate payable a(ttr IJudSlftOftlla onlo'od '" Ihe Nole or in In action ormoncq:e rorcclOlure shill be Ihe ra.. plyable (rom lime loume undcr the NOle. 25. Riders to this Securi". Insll'llmcnL If one at mOR riders ,rc ucculcd by BotTO'A'er IIId rceoldcd IOlether wi." this Security Instnrmenl. the CO'rCI'WIU ll'ld 'I'ocrn~u or a.ch .vch rid" Ih.:lll be ineorpor;ltcd Into and ,h&Jla.mt:nd an4 .supplemenl Ihe COVtn.ln1S aDd ."cements or chis SecunlY In.suvrnan u if Ibe ridcr(s> were a pan or 'his Seeu,h)' fnsuwncnt. [Ch<<:.Ic applicable boA(a)) o Adju'table R.alc Ride, o OBd..lld Payment Rider o O'h.r(.) (.pcci1rl o Condominium R.lder o Planned Unit OC'Vdopmenc o 2'" F.mily Ride, Rider By SlONINCi Dnow. Borrower 3ctepU and 'crccs to the lerms ~nd COVerwlts contained In this S<<\I"IY fnnrumenl and In an)' rider(s) u.CC:lJ~ by Borro..t:r ~d rccord;d with il. _..... Wltno.so: _ / _..............~~~...... CA.....,,~...5.!.!..d..~..........._..(s..I) ........._....&...~4~........... .~~:*~"~..............._:;; ISlMCot Ida... TlIi:I LiM ,., AcL_ I>.J......ull \1 ~ "" ........ cOMMOl'lWEALTH OF PENNSYLVANIA. COUNTYOF ~0 l zr .. . On this "}/~;t'- dsy or I~ . A.D. 19 $I: , a.-/f'4'~ "",.th.abO:..nam.d ~a ~ ~T.~rp~r/..d;'#~ '%r:'~ before me, :-~~~~~.~~-,witnin inden~ure Or Mongagc to be :..ift\.C.(o'be rtc:~1S such.. {.J.::-.~.......".,.....~.. ~~..~~.. i (.J : ~FI~ESS m~hlilpd .nd seal, lhe d3Y af\d yur .eroresaid, ! It.;.: ~;"h'. ~{Ui ,,,: .,.....'"w1O..t'.,.':?.l.~'..;:O:--I.. .?:;:.,...':"~'l'j::(-C\ 'i,,'!7 ..,;o'O:':~~.._~' . .'~ :": ~ \ and let :and deed, and desired the ~/.tJ~<~ My, imon p{ray~ 'Z"7 '/0/ RECORDER RETURN TO: MERITOR MORTGAGE CORPORAtION-EAST 3920 HARKET STREET CAMP HILL, PA 17011 .:........., .-:.::~:;":'.-:-.( ~ ,~ 827 PACE .107 ....C.(".MO! "( ( ". - : '. " . lS' 17 FR MELLON REO/FORECLO;;EF:3.:i383:;'-' 22,15 -~ I . -i._. '....' P.e6/14 , . - EXH1Il1::' 1 IILL TIIAT CERTAIN tract or parcel of land sltuate in Eas~ Pennsboro TownShip, culllberland County, Penn5ylv~nia. more p~rticularly bounded and described as tollows, to wit: IlCCINN1NC at a point on the Cuterly line of crford /lOa~.JEast), which point i. two Ilundred twenty-nine and ."vClnty-six one-hundredths (229.76) feet North of the North- oasterly corner of Erford Road (Eastl, and Oull..s Orive (East), and at dividing line between Lots n8 and Nl9X, Block "I", on the hereinafter mentioned plan of lots, thence Along the Easterly line of Erford Road (Eastl, in an DrC havi~g_ a radius of three hundred (300) feet in an Northerly direction to the left. thirty-four and sixty-one one-hundredths (34.61) feet to a polnt at dividing line between Lots ff 18 and U8X, Ulock "I", on said Plan. thence along said dividing line South !lighty-seven 187) degree. thirty-eight (38) minutes thirty-six (361 seconds East two hundred one. and ninety-eight one-hWldredths (<Pl.981 f....t to a point. thence South twenty-six (26) degrees rero (0) ,ninut..s East seventy ."d fifty-o"e one-hundredths (70.51) feet to a point at dividing line between Lots 1Il0 and fll9x, Block "I", as aforesaid; thence along said dividing line North eighty-one (81) degrees two (2) minutes West two hundred thriey-nine and four one- hundredths (239.04) feet to a point, the place of BCGINNING. _.... nEING kno~l as 775 Erford Road, East Pennsboro TWonship, and formerly being premises known as l607-^ Erford Road (Ease), and having thereon erected a two story brick and frame dwelling. 'rOGETlIE:R wHh the right to use in common the partition wall wi.l:;h OWner and occupier of adjoinin9:premises. BEINC Lot HO, Block. "I". in Plan No. 7 of Office. of the Recorder of Deeds in and for Book. 15, Pase 56) Ridley Park. whic:h plan 1s recorGed in the cumberland County, Pennsylvania, in Plan - . - . BE!NG the same vremises whiCh Gear e P..i ~ . . by Oeed dated ;7- J . _ 9 chard ~ ruhw~rth and Sarbara Ann Fruh"irth, hu "i.fe of the Recorder of Deed: Of Cumber1~:6, and l.ntended to ~e herewith reCOrded in the Offie Charles l;. LUdwig and Mar J . County, Pennsy1vanI.a, granted and conveyed unto y ane Ludw1g, the Mortgagors herein. SUBJECT to the ~eservations, restrictions, easements and rights of way now or record. .'. PA. . - ---.. ~~~;~::.~! :~"~;~:'~'i!;'.~:~.:~ ] ~S . "'~ '~'.-~' ~'\~'i"':;~~.' . _ : . ::', :. :.... ~:" t:".. "Ct::-:..,. ..... .j. .."....~:.: to :r.r ?h\t-(~to::Q:nQ!:.! D29~3"'" . ."" .: ':::.:"1-." :"~!..l~~j~.f~j.~~,..: " ", .:~~~.~~:~. ....... . ..... li.l~('_ ...~'L~-.;..- ;"~;;"~!; .. . ~ t . . ,. ,. ..,.,..J ,.~.,,"li~' iA".'f;';{i -. ~....'U. .. '" ~ ":::\:J:~2~:;-:: ~:,.;. 'c::::-~._.),.. ~t....."~;." .. ..;~ ;". -=\5.:': '::'".~:,_:.~~' .....:. .1.:.;~, l::"'~;;-~", J : - ~OOK C?-. 0.. I PAGE '106 ~.; ,,'.'~":~".:."'.-. ~. :. ---' ~~ .'-. ' ~.:..~.... Prestige Abstract Corporation 100 South Broad Street ~and Title Bldg.. Suite 1430 Philadelphia, PA 19110 RECORD OWNER AND LIEN CERTIFICATE Order No. M-3812 Effective Date: 8/28/98 Premises 775 Erford Road Based upon the examination of evidence in the appropriate public records, Company certifies that the premises endorsed hereon are subject to the liens, encumbrances and exceptions to the title hereinafter set forth. This Certificate does not constitute title insurance; liability hereunder is assumed by the Company solely in its capacity as an abstractor for its negligence, mistakes or omissions in a sum not exceeding Two Thousand Dollars unless otherwise endorsed hereon. ------------------------------------------.--------------------- DESCRIPTION AL~ THAT CERTAIN tract or parcel of land situate in East pennsboro Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the Easterly line of Erford Road (East), which point is two hundred twenty-nine and seventy-six one- hundredths (229.76) feet North of the Northeasterly corner of Erford Road (East). and Dulles Drive (East), and at dividing line between Lots #18 and #19X, Block "I", on the hereinafter mentioned plan of lots; thence along the Easterly line of Erford Road (East), in an arc having a radius of three hundred (300) feet in an Northerly direction to the left, thirty-four and sixty-one one- hundredths (34.61) feet to a point at dividing line between Lots #18 and #18X, Block "I", on said Plan; thence along said dividing line South eighty-seven (87) degrees thirty-eight (38) minutes thirty-six (36) seconds East two hundred one and ninety-eight one- hundredths (201.98) feet to a point; thence South twenty-six (26) degrees zero (0) minutes East seventy and fifty-one one-hundredths (70.51) feet to a point at dividing line between Lots #18 and #19X, Block "I", as aforesaid; thence along said dividing line North eighty-one (81) degrees two (2) minutes-west two hundred thirty- nine and four one-hundredths (239.04) feet to a point, the place of beginning. BEING known as 775 Erford Road, East Pennsboro Township, and formerly being premises known as 1607-A Erford Road (East), and having thereon erected a two story brick and frame dwelling. TOGETHER with the right to use in common the partition wall with owner and occupier of adjoining premises. Continued Orrler No. M-3812 DESCRIPTION . CONTINUED BEING Lot #18, Block "I", in Plan No.7 of Ridley Park, which plan is !'ecorded in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Plan Book 15, page 56. BEING 775 ERFORD ROAD. PARCEL# 09-17-1044-012 continued Order No. M-3B12 RECORD oWNER TITLE TO SAID PREMISES IS VESTED IN Charles A, Ludwig and Mary Jane Ludwig, his wife, by Deed from George Richard Fruhwirth and Barbara Ann Fruhwirth, his wife dated 7/31/B6 and recorded B/5/B6 in cumberland County Deed Book B-32 page 1052. SUBJECT TO ENCUMBRANCES AND CLAIMS AS FOLLOWS: TAXES: parcel# 09_17-1044-012 1995 to 199B produce Receipts 199B Assessment: $5,9BO.00 WATER AND SEWER RENTS: 1995 to 199B Produce Receipts (None) MECHANICS AND MUNICkPAL LIENS: (4) MORTGAGES: Charles A. Ludwig and Mary Jane Ludwig TO: Meritor Mortgage Corp. East DATED: 7/31/B6 RECORDED: B/5/B6 MORTGAGE BOOK: B27 PAGE: 404 *Assigned to Federal Home Loan Mortgage Corp. (Ste. 900, 2121 crystal Dr., Arlington, VA 22202) on 10/2B/B6 in Misc. Book 325 page 134. $47,700.00 $5,500.00 Charles A. Ludwig and Mary Jane Ludwig TO: Penna. Housing Finance Agency (2101 N. Front St., Harrisburg, PA 1'7105) DATED: 3/2/90 RECORDED: 4/27/90 MORTGAGE BOOK: 974 PAGE: 970 $17,000.00 charles A. Ludwig and Mary Jane Ludwig TO: Penna. Housing Finance Agency (2101 N. Front St., Harrisburg, PA 17105) DATED: 4/15/90 RECORDED: 4/27/90 MORTGAGE BOOK: 974 PAGE: 973 $500.00 Charles A. Ludwig and Mary Jane Ludwig TO: Penna. Housing Finance Agency (2101 N. Front St., Harrisburg, PA 17105) DATED: 3/'7/91 RECORDED: 3/11/91 MORTGAGE BOOK: 1007 PAGE: B79 Continued Order No. M-3812 JUDGMENTS AND FEDERAL LIENS: (None) BANKRUPTCIES: (None) OBJECTIONS: (1) 1. Proof that there are no overdue support obligations of record with the Domestic Relations Section of the parties to this transaction. EXCEPTIONS: (6) 1. Restrictions as in Misc. Book 166 page 737. 2. Rights granted to pennsylvania Power & Light Co. as in Misc. Book 162 page 697. 3. Rights granted to Bell Telephone Co. of Pa. in Misc. Book 161 page 560. 4. Rights granted to East pennsboro Twp. as in Misc. Book 150 page 579, 153 page 698 and 155 page 421. 5. Subject to all Conditions, Restrictions and Covenants as in Plan Book 15 page 56. 6. Easement of party walls. " '. ~ l I ScP 04 '9615'17 FR ME~LO~ REO/FORECLO~ER303 837 2245 TO 912155674151 P.06/14 ....... -. I .. ~'l... . ' EXliIB I':' 1 ^LI" TIIAT cER1'AItI tract or parcel of land situate in tast Pennsboro Township, Cuftlberland County, Pennsylvania, more particularly bounded and described as follows, to wit: IlCGltlN1NG at a poillt on thc li:asterly Hne of crford l1Oa~.JE..stl, which point is t"'O hw,dred twenty-nine ard seventy-six one-hundredths (229.76) reet North of the t1orth- oasterly corner of Erford Road (Eastl, and oulles Drivc (East), and at dividing line bat"'een Lots U8 and V19X, Block "I". on the hereinafter mentioned plan of lots, thence ^long the Easterly line of crford Road (East), in an arc havi~g.a radius of three hundred (300) fect in an Northerly direction to the left. thirty-four and sixty-olle one-hundredthS (34.61) feet to a point at dividing line between Lots fl18 and V18X, Ulock "I", on said Plan: thence alone; said dividing line South 6ighty-seven (87) degrees thirty-eight (35) minutes thirty-six (36) seconds East two hundred one. and ninety-eight one-hundredthS (2\>1.98) feee to a point: thence South twenty-six (26) degrees zero (0) .ninutes East seventy and filey-one one-hundredthS (70.51) feet to a point at dividing line between Lots 1/10 alld ff19X, Block "I", as aforesaid, thence alone; said dividing line North eighty-one (91) degrees two (2) minutes West two hundred thriey-nine and four ono- hundredths (239.04) feet to a point, the place of BEGINNING. _.... DEING known as 775 Erford Road, East Pennsboro TWonship, and formerly being premises known as 1607-~ Erford Road (East), and having thereon erected a two story brick and frame dwellin'J. TOGETHER with the right to use in common the partition wall wi.t.;h owner and occupier of adjoinin9 :prem.ises. BEING Lot no. Block. "I". in Plan No. 7 of Ridley park. "hieh plan is xecorcled i:> the Office of the Recorder of Deeds in and for cumberland County, Pennsylvania. in Plan Book 15, Page 56, llEJ:NG the same I'rem1ses whiC:h Georg Po' ell d . . by Deed dated '7 _ -:. . e '" ar ~rUln<1rth and l'arbara Ann Fruhwirth, his wife of the Recorder of oe:d{ 0; Cwnberl;;-;::6~ and lntended eo ~e herewith recorded in the Offic Cha=les A Ludwig and Ma J d' unty, PeMsylvan2.a, granted and conveyed unto . ry ane Lu W2.g, the Mortgagors herein. SUBJECT to the reservations, restrictions. easements and rights of way now or record. PA 2 5!~t..:- :"': ~"e:"":.~.~'!~,''''i'':!11 , ; 't' r.."",.. 0: :,.~ :;"..:10'''' J ~.S . ::,.:.: ;~"';>:~1~.~:~:' . ~l;'-' '0'. .~. ..... ....... to' 'r:r 'h(t..(c.CO-_';'lQ,.1 nC.9--\gI. .,... .:.,;, ;...,: ':";!~1lfif)~:': ~.-; .~<.} ". " ""I:D '''l''~' ..... \ i.:~"~ ......... ....' ,I.J,\._ "':i"~..' -r-"~."~\;' . . .' 1 ',' ~ .'.... . ',; "n.~.: ,'ro.d~~,~:,!;";!1i';!i, i:': 'I~ i!.' . .C-:::". (1 '~... :.-' .. ," "'b' ,:~':: . ,. :..' . _~._.. ~{'.\".R.. '" . 't- ~. "-:,:.~.:~ .::"".::-..:,.1~',""~:, t.:..::.. /~~;:"'~:.) . ,,_ ~. ~ ..I..~::..~I'.;~.'..-. :".. '.. __.' ~.."'._,: ~.:. ~~tI . - -.....oO ~ C9-- 0.. I PACE '10d MATTLEMAN, WEINROTH & MILLER A Professional Corporation Attorneys-at-Law PENNSYLVANIA NEW JERSEY Suite 2226-Land Title Bldg. Broad & Chestnut Sts. 538 Cooper Street Philadelphia, PA 19110 Camden, NJ 08102 Phone: 215-923-2225 Phone: 609-964-0680 Fax: 215-567-4151 Fax: 609-963-9392 DELAWARE Rockland Center II 1801 Rockland-Suite Wilmington, DE 19803 Phone: 302-658-6835 Fax: 302-658-6838 09/16/98 Our File No. 212/45830 REPLY TO PHILADELPHIA CHARLES A LUDWIG 1514 HIGH POINTE DRIVE APARTMENT B HARRISBURG, PA 17110-9224 MARYJANE LUDWIG 1514 HIGH POINTE DRIVE APARTMENT B HARRISBURG, PA 17110-9224 *********************************************************************** NOTICE OF INTENTION TO FORECLOSE MORTGAGE ========================================= ========================================= Mortgage of: MELLON MORTGAGE COMPANY On Premises: 775 ERFORD ROAD, CAMP HILL, PA. 17011 Account Number: 125674 *********************************************************************** PAGE ONE MATTLEMAN, WEINROTH & MILLER A Professional Corporation Attorneys-at-Law Dear Sir/Madam: The mortgage held by MELLON MORTGAGE COMPANY on your property located at: 775 ERFORD ROAD, CAMP HILL, PA. 17011 IS IN SERIOUS DEFAULT because you have not made the monthly payments as follows: Monthly Payment Amount: $557.00 For the monthly period of 11/01/95 through 09/15/98. The total amount now required to cure this default, or in other words, ~et caught up in your payments, as of the date of this letter 1S $ 20087.20. That figure includes applicable late charges totalling $ 592.20 - YOU MAY CURE THIS DEFAULT WITHIN THIRTY (30) DAYS OF THE DATE OF THIS LETTER BY PAYING THE ABOVE AMOUNT OF $ 20087.20 PLUS ANY ADDITIONAL MONTHLY PAYMENTS AND LATE CHARGES WHICH MAY FALL DUE DURING THIS PERIOD. Such payment must be made either by cash, cashier's check, certified check or money order payable to: MELLON MORTGAGE COMPANY SUITE 2300 1775 SHERMAN STREET DENVER, CO 80203-4395 If you do not cure the default within THIRTY (30) DAYS THE LENDER INTENDS TO EXERCISE THEIR 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 the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) DAYS, LENDER ALSO INTENDS TO INSTRUCT THIS OFFICE TO START A LAWSUIT TO FORECLOSE YOUR MORTGAGED PROPERTY. IF THE MORTGAGE IS FORECLOSED YOUR MORTGAGED PROPERTY WILL BE SOLD BY THE SHERIFF TO PAY OFF THE MORTGAGED DEBT. IF YOU CURE THE DEFAULT WITHIN THE THIRTY (30) DAY PERIOD, YOU WILL NOT BE REQUIRED TO PAY ANY ATTORNEY'S FEES, NOTWITHSTANDING THAT THIS ACCOUNT HAS BEEN REFERRED TO THIS OFFICE. If you do not cure the default within the THIRTY DAY PERIOD you will have to pay a reasonable attorney's fee, not to exceed $50.00, for services actually incurred. However, if legal proceedings are started a~ainst you, you will have to pay a reasonable attorney's fee even if ~t is over $50.00. Any attorney's fees will be added to whatever you owe Lender, which may also include their reasonable Court costs. PAGE 2 MATTLEMAN, WEINROTH & MILLER A Professional Corporation Attorneys-at-Law Lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty (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 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 sale could be held would be approximately 03/99 A notice of the date of the sheriff sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling: MELLON MORTGAGE COMPANY SUITE 2300 1775 SHERMAN STREET DENVER, CO 80203-4395 This payment must be in cash, cashier/certified check or money order payable to the Lender at the address provided. You should realize that a Sheriff's Sale will end your ownership of the mortgaged pro~erty and your right to remain in it. If you continue to live ~n the property after the Sheriff's Sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THE DEBT. (YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANS FERREE PAGE 3 ,..... ,. MATTLEMAN, WEINROTH & MILLER A Professional Corporation Attorneys-at-Law WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL OF THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT ANY OTHER REQUIREMENTS OF THE MORTGAGE ARE SATISFIED. CONTACT THE UNDERSIGNED TO DETERMINE UNDER WHAT CIRCUMSTANCES THIS RIGHT MIGHT EXIST) . YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. If you cure the default, the mortgage will be restored to the same pos~tion as if no default has occurred. However, you are not entitled to this right to cure your default more than three times in anyone calendar year. Enclosed also is another notice from this Lender entitled NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983. You must read both notices since they both explain rights which you now have under Pennsylvania law. If you choose to exercise rights described in the Notice of Homeo~ners' Emergency Assistance Act of 1983, we cannot foreclose upon you during that time. Also, if you receive financial assistance from the Pennsylvania Housin~ Finance Agency, your home cannot be foreclosed upon while you are rece~ving assistance. ;~y~~~~c~ fdJ; MARISSA M. OCONNELL For the Firm MMO: vm Ene. Certified Mail - Return Receipt Requested and Regular Mail) PAGE 4 .' MATTLEMAN, WEINROTH & MILLER A Professional Corporation Attorneys-at-Law PENNSYLVANIA NEW JERSEY Suite 2226-Land Title Bldg. Broad & Chestnut Sts. 538 Cooper Street Philadelphia, PA 19110 Camden, NJ 08102 Phone: 215-923-2225 Phone: 609-964-0680 Fax: 215-567-4151 Fax: 609-963-9392 DELAWARE Rockland Center II 1801 Rockland-Suite Wilmington, DE 19803 Phone: 302-658-6835 Fax: 302-658-6838 08/27/98 Our File No. 212/45830 REPLY TO PHILADELPHIA CHARLES A LUDWIG 77 5 ERFORD ROAD CAMPHILL, PA 17011- MARYJANE LUDWIG 77 5 ERFORD ROAD CAMPHILL, PA 17011- *********************************************************************** ========================================= NOTICE OF INTENTION TO FORECLOSE MORTGAGE ----------------------------------------- ----------------------------------------- Mortgage of: MELLON MORTGAGE COMPANY On Premises: 775 ERFORD ROAD, CAMP HILL, PA. 17011 Account Number: 125674 *********************************************************************** PAGE ONE . . NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT. THIS COMMUNICATION IS FROM A D~gT COllECIO~EB~H~~6S:~ ~~~~~~~TION CO~iT~NED Will BE USED FOR THAT PURPOSE. MATTLEMAN, WEINROTH & MILLER A Professional Corporation Attorneys-at-Law Dear Sir/Madam: The mortgage held by MELLON MORTGAGE COMPANY on your property located at: 775 ERFORD ROAD, CAMP HILL, PA. 17011 IS IN SERIOUS DEFAULT because you have not made the monthly payments as follows: Monthly Payment Amount: $557.00 For the monthly period of 11/01/95 through 08/15/98. The total amount now required to cure this default, or in other words, ~et caught up in your payments, as of the date of this letter 1S $ 19513.28. That figure includes applicable late charges totalling $ 575.28 YOU MAY CURE THIS DEFAULT WITHIN THIRTY (30) DAYS OF THE DATE OF THIS LETTER BY PAYING THE ABOVE AMOUNT OF $ 19513.28 PLUS ANY ADDITIONAL MONTHLY PAYMENTS AND LATE CHARGES WHICH MAY FALL DUE DURING THIS PERIOD. Such payment must be made either by cash, cashier's check, certified check or money order payable to: MELLON MORTGAGE COMPANY SUITE 2300 1775 SHERMAN STREET DENVER, CO 80203-4395 If you do not cure the default within THIRTY (30) DAYS THE LENDER INTENDS TO EXERCISE THEIR RIGHT TO ACCELERATE THE MORTGAGE PAYMENTS. This means that whatever is owing on the original amount borrowed will be considered due irnmediatelr and you may lose the chance to pay the original mortgage in monthly 1nstallments. If full payment of the amo~t of default is not made within THIRTY (30) DAYS, LENDER ALSO INTENDS TO INSTRUCT THIS OFFICE TO START A LAWSUIT TO FORECLOSE YOUR MORTGAGED PROPERTY. IF THE MORTGAGE; IS FORECLOSED YOUR MORTGAGED PROPERTY WILL BE SOLD BY THE SHERIFF TO PAY OFF THE MORTGAGED DEBT. IF YOU CURE THE DEFAULT WITHIN THE THIRTY (30) DAY PERIOD, YOU WILL NOT BE REQUIRED TO PAY ANY ATTORNEY'S FEES, NOTWITHSTANDING THAT THIS ACCOUNT HAS BEEN REFERRED TO THIS OFFICE. If you do not cure the default within the THIRTY DAY PERIOD you will have to pay a reasonable attorney's fee, not to exceed $50.00, for services actually incurred. However, if legal proceedings are started a~ainst you, you will have to pay a reasonable attorney's fee even if 1t is over $50.00. Any attorney's fees will be added to whatever you owe Lender, which may also include their reasonable Court costs. PAGE 2 MATTLEMAN, WEINROTH & MILLER A Professional Corporation Attorneys-at-Law Lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty (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 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 I 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 sale could be held would be approximately 03/99 A notice of the date of the sheriff sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling: MELLON MORTGAGE COMP~~ SUITE 2300 1775 SHERMAN STREET DENVER, CO 80203-4395 This payment must be in cash, cashier/certified check or money order payable to the Lender at the address provided. You should realize that a Sheriff's Sale will end your ownership of the mortgaged pro~erty and your right to remain in it. If you continue to live ~n the property after the Sheriff's Sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THE DEBT. (YOU ~Y HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFERREE PAGE 3 ~~TTLEMAN, WEINROTH & MILLER A Professional Corporation Attorneys-at-Law Your mortgage is in 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 total amount of the delinquency is $ 20087.20. That sum includes the following: Payment due for 11/01/95, through and including payment due 09715/98, together with applicable late charges of $ 592.20. If you have tried and are unable to resolve this problem at or after ~our face-to-face meeting, you have the right to apply for financ1al assistance form the Homeowners' Emergency Mortgage Assistance Fund. In order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application with one of the designated consumer credit counseling agencies listed on the attachment. An application for assistance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency will assist you in filling out your application and will submit your completed application to the Pennsylvania Housing Finance Agency. Your application must be filed or postmarked, within thirty (30) days of your face-to-face meeting. IT IS EXTREMELY IMPORTANT THAT YOU FILE YOUR APPLICATION PROMPTLY. IF YOU DO NOT DO SO, OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely important that your application is accurate and complete in every respect. The Pennsylvania Housing Finance Agency Agency has sixty (60) days to make a decision after it receives your a~plication. Durin~ that additional time, no foreclosure proceedings w~ll be pursued aga~nst you if you have met the time requirements set for.th above. You will be notified directly by that Agency of its decision on your application. The Pennsylvania Housing Finance Agency is located at 2101 North Front Street, Post Office Box 15530. Harrisburg, Pennsylvania, 17105; Telephone Number 717-780-3800 or 1-800-342-2397 (toll free number). Persons with impaired hearing can call 717-780-1869. PAGE THREE THE PENNSYLVANIA HOUSING FINANCE AGENCY CAN BE REACHED TOLL FREE AT 1-800-342-2397. PENNSYLVANIA HOUSING FINANCE AGENC~ HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES DAUPHIN COUNTY Consumer Credit Counseling Service of Western Pennsylvania Inc. 2000 Linglestown Road Harrisburg, PA 17102 (717)541-1757 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, PA 17101 (717)234-5925 FAX#(717)232-49B5 The Pennsylvania Housing Finance Agency can be reached TOLL FREE at 1(800)342-2397 MATTLEMAN, WEINROTH & MILLER A Professional Corporation Attorneys-at-Law You may be eligible for financial assistan~e 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 emer~ency temporary assistance if your default has been caused by c1rcumstances beyond your control, ~ou have a reasonable prospect of resuming your mortgage payments, and 1f ~ou meet other eligibility requirements established by the Pennsylvan1a Hou9ing Finance Agency. Please read all of this Notice. It contains an explanation of your rights. Under the Act you are entitled to a temporary stay of foreclosure on rour mortgage for thirty (30) days from the date of this Notice. Our ng that time you must arrange and attend a 'face-to-face' meeting with a representative of this lender, or with a designated consumer credit counseling agency. The purpose of this meeting is to attempt to work out a repayment ~lan, or to otherwise settle your delinquency. This meeting must occur 1n the next thirty (30) days. If you attend a 'face-to-face' meeting with this lender, or with a consumer credit counseling agency identified in this notice, no further proceeding in mortga~e foreclosure may take place for thirty (30) days after the date of th1s meetin~. The name, address and telephone number of our representative 1S: MELLON MORTGAGE COMPANY SUITE 2300 1775 SHERMAN STREET DENVER, CO 80203-4395 The names and address of designated consumer credit counseling agencies are shown on the attached sheet. It is only necessary to schedule one (1) face-to-face meeting. You should advise this lender immediately of your intentions. PAGE TWO THE PENNSYLVANIA HOUSING FINANCE AGENCY CAN BE REACHED TOLL FREE AT 1-800-342-2397. , . . MATTLEMAN, WEINROTH & MILLER A Professional Corporation Attorneys-at-Law Your mortgage is in 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 total amount of the delinquency is $ 19513.28. That sum includes the following: Payment due for 11/01/95, through and including payment due 08715/98, together with applicable late charges of $ 575.28. If you have tried and are unable to resolve this problem at or after rour face-to-face meeting, you have the right to apply for financ al assistance form the Homeowners' Emergencr Mortgage Assistance Fund. In order to do this, you must fi lout, sign and file a completed Homeowners' Emergency Assistance Application with one of the designated consumer credit counseling agencies listed on the attachment. An application for assistance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency will assist you in filling out your application and will submit your completed application to the Pennsylvania Housing Finance Agency. Your application must be filed or postmarked, within thirty (30) days of your face-to-face meeting. IT IS EXTREMELY IMPORTANT THAT YOU FILE YOUR APPLICATION PROMPTLY. IF YOU DO NOT DO SO, OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. It is extremely important that your application is accurate and complete in every respect. The Pennsylvania Housing Finance Agency Agency has sixty (60) days to make a decision after it receives your a~plication. Durin~ that additional time, no foreclosure proceedings w1ll be pursued aga1nst 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. The Pennsylvania Housing Finance Agency is located at 2101 North Front Street, Post Office Box 15530, Harrisburg, pennsylvania, 17105; Telephone Number 717-780-3800 or 1-800-342-2397 (toll free number). Persons with impaired hearing can call 717-780-1869. PAGE THREE THE PENNSYLVANIA HOUSING FINANCE AGENCY CAN BE REACHED TOLL FREE AT 1-800-342-2397. . . PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES CUMBERLAND COUNTY Consumer Credit Counseling Service of Western PennBylvania Inc. 2000 Linglestown Road Harrisburg, PA 17102 (717)541-1757 Financial Services Unlimited 117 West 3rd Street Waynesboro, PA 17268 (717)762-3285 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, PA 17101 (717)234-5925 FAX#(717)232-4985 YWCA of Carlisle 301 G Street Carlisle, PA 17013 (717)243-3818 FAX#(717)243-3948 The Pennsylvania Housing Finance Agency can be reached TOLL FREE at 1(800)342-2397 ~. .... '. . .. , .. ..,.. .. , , J ',,) ( ,~ '-I i l .. '. ,~'L ," ~CJ ," :..:) --~. ", ~~; ; ~. E , ,,'" -... ALL THAT CERTAIN tract or parcel of land situate in East Pennoboro Township, Cumberland County, Pennsylvania, more particularly bounded and described as (ollows, to wit: BEGINNING at a point on the Easterly line of Erford Road (East), which point is two hundred twenty-nine and seventy-six one- hundredths (229.76) feet North of the Northeasterly corner of Erford Road (East), and Dulles Drive (East), in an arc having a radius of three hundred (300) feet in an Northerly direction to the left, thirty-four and sixty-one one hundredths (34.61) feet to a point at dividling line between Lots #18 and #18x, Block "I", on said Plan; thence along said dividing line South eighty-seven (87) degrees thirty-eight (38) minutes thirty-six (36) seconds East two hundred one and ninety-eight one-hundredths (201.98) feet to a point; thence South twenty-six (26) degrees zero (0) minutes East seventy and fifty-one one hundredths (70.51) feet to a point at dividing line North eighty-one (81) degrees two (2) minutes West two hundred thirty-nine and four one-hundredths (239.04) feet to a point, the place of BEGINNING. BEING known as 775 Erford Road. East Pennsboro Township, and formerly being premises known as 1607-A Erford Road (East) and having thereon erected a two story brick and frame dwelling. TOGETHER with the right to use in common the partition wall with owner and occupier of adjoining premises. BEING Lot #18, Block "I", in Plan No.7 of Ridley Park, which plan is recorded in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Plan Book 15, Page 56. IMPROVEMENTS THEREON: Residential Dwelling " ""'l ,.,.....-.. R,~ ~--t:) ~ ~~ ~7' ,~ ( ~~~ ...p-- ,)l., "^\ ~ ~ ~~ r- i'-.: ',_4, - \:~. () -............. ~ <...N "ir. (<-A -::--1) K, ~. ct: G <..J' \.: G..' ~ - \. I <:::'-l C:! .r 0.. I ~. t~"~ ! -,.';' .":1lo ;~;: i: ;~:) ,:,.) C) I' "~- ' ';':J - ~~:;: 0_. ,', .: ,. . ~l -,j :'.:j ." ;:1 ....... ::.5 ~, . I verify that the statements made in this Affidavit are true and correct to the best of my personal knowledge or 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 authorities. 01 / /( /: . 'A!~I .A/f jdJ Oras quire Sworn and Subscribed to before me this 6.11i day of Gif21.L(j L / .' (JC))~C d, Smith_ 1999. 212/45830 TERRI L. SMITH Notary Public of Nm', Jersey 2002 My Commission Expires Jan. 28, , t ff i- >'; 'r.' r . , "'1 ;~ I ~~f ! . '.', ,:;.'" N " ~ ... -\- 'f () " .~ ,"" f \.._.1 i'''~U~3 ::-.1 ~H, !.-:. ....j.~ .'r:;:l......:.., 1::-) T ~c-- r -~, I ;1, . -;1' r-:;t "-:-J "'-.' -: :~ .:~ :~ ::w -. .f- ill:' ("2~~ il"; . {:&.,t I I I , , , .' i~, c: .. ~ .. v. ,. ; ., f . , :..) C' , , .' , I', C ) .. , " ~ ,,-> :.=1 :.0 -< ... MATTLEMAN, WEINROTH & MILLER BY: SHARON ORAS MORGAN, ESQUIRE Attorney ID n60068 Suite 2226 Land Title Building Broad and Chestnut Streets Philadelphia, PA 19110 Attorneys for Plaintiff MELLON MORTGAGE COMPANY COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff vs. NO.: 98-6347-CIVIL CHARLES A. LUDWIG AND MARY JANE LUDWIG Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY PURSUANT TO PENNSYLVANIA RULE OF CIVIL PROCEDURE 3129 TAKE NOTICE: Your house (real estate) at 775 Erford Road, Camp Hill, PA 17011 is scheduled to be sold at Sheriff's Sale on December 8, 1999 at 10: OOam in the Cumberland County Courthouse, South Hanover Street, Carlisle, PA 17013 to enforce the Court Judgment of $69,836.31 obtained by Mellon Mortgage Company. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale you must take immediate action: 1. The Sale will be cancelled if you pay to Sharon Oras Morgan, Attorney for Plaintiff, back payments, late charges, costs and reasonable attorneys fees due. To find out how much you must pay, you may call Sharon Oras Morgan, Esquire at 215-923-2225. 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. 3. You may also be able to stop the Sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the Sale. (See Notice on page two and how to obtain an attorney) . .... YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. be sold calling If the Sheriff's Sale is not stopped, your property will to the highest bidder. You may find out the bid price by Sharon Dras Morgan, Esquire at 215-923-2225. 2. You may be able to petition the Court to set aside the Sale if the bid price was grossly inadequate compared to the market value of your property. 3. The Sale will go through only if the Buyer pays the Sheriff the full amount due on the Sale. To find out if this has happened you may call Sharon Dras Morgan, Esquire at 215-923-2225. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the Sale never happened. 5. You have a 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 Sheriff on January 7, 2000. 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. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the Sale. 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 LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Court Administrator 4th Floor Cumberland County Courthouse 1/717/240-6200 212/45830 ... ALL THAT CERTAIN tract or parcel of land situate in East pennsboro Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the Easterly line of Erford Road (East), which point is two hundred twenty-nine and seventy-six one- hundredths (229.76) feet North of the Northeasterly corner of Erford Road (East), and Dulles Drive (East), in an arc having a radius of three hundred (300) feet in an Northerly direction to the left, thirty-four and sixty-one one hundredths (34.61) feet to a point at dividling line between Lots #18 and #18x, Block "I", on said Plan; thence along said dividing line South eighty-seven (87) degrees thirty-eight (38) minutes thirty-six (36) seconds East two '!1I,I,ndred one and ninety-eight one-hundredths (201. 98) feet to a point; thence South twenty-six (26) degrees zero (0) minutes East seventy and fifty-one one hundredths (70.51) feet to a point at dividing line North eighty-one (81) degrees two (2) minutes West two hundred thirty-nine and four one-hundredths (239.04) feet to a point, the place of BEGINNING. BEING known as 775 Erford Road, East pennsboro Township, and formerly being premises known as 1607.A Erford Road (East) and having thereon erected a two story brick and frame dwelling. TOGETHER with the right to use in common the partition wall with owner and occupier of adjoining premises. BEING Lot #18, Block "I", in Plan No.7 of Ridley Park, which plan is recorded in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Plan Book 15, Page 56. IMPROVEMENTS THEREON: Residential Dwelling -- ( , ,'" L.:-' . , < , ! } ( , : .) ~.:} '. , - - , ." ~~ ..'j -, -<. . . MATTLEMAN. WEINROTlI & MILL.ER BY: SHARON ORAS MORGAN, ESQUIRE ATTORNEY ID NO.: 60068 Suite 2226 ' Land Tille Building 100 S. Bro<ld Street Philmlelphi<l, P A 19110 (215) 923,2225 Aflomeys for PI<linlilr 212/0158.10 MELLON MORTGAGE COMPANY . COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintifr vs. . No. 911,6.1017,CIVIL CHARLES A. LUDWIG AND MARY JANE LUDWIG Defendants . AMENDED AFFIDA VIT : PURSUANT TO RULE 3129.1 COMMONWEALTH OF PENNSYL VANIA COUNTY OF PHILADELPHIA Mellon Mortgage Company, Plaintitrin the above entitled cause of<lction, sels forth as of the date the praecipe for writ of execution was filed Ihe following information concerning the real property located at 775 Erford Road. Camp Hill. P A 170 II: I. Name and address of Owner(s) or Reputed Owners(s): Charles A. Ludwig and Mary Jane Ludwig 1514 High Pointe Drive Apartment B Harrisburg, P A 17110.9224 2. Name and address of Defendant(s) in the Judgment: Charles A. Ludwig and Mary Jane Ludwig 1514 High Point Drive Apartment B Harrisburg. P A 171 10.9224 . , 6. Name and address orevcry olher person who has any record illlerest in the properly and whose interest may be alli:cted hy the sale Occupalll. 775 Erl(,rd Road Call1pllill. I'" 170 II 7. Name and address orevcry person of whom (he plainlilrhas knowledge who has any interest in the property which may be allccled by the sale Occupant. 775 Errord Road Camp lIill. I'" 17011 1 veriry Ihat the statements made in this Allidavit are lrue and correct to the best of my personal knowledge or information and belief I understand that false statements herein are made subject to the penalties or 18 Pa. C.S. Section 4904 n~lating to unsworn falsification to authorities. I 212/45830 Sworn and Subscribed to before me this<>2l1ll day 0(lJ,{'( /llUP&) , 1999. 1.u.cl&-A.. 37'-1'-- -lJdc/".,ul..) JUDI1ll ANN HITCHNER ~ Nobry Public 01 New Jersey My Colllllli!slon Expires 6J25I2IlO1 C'r ... (",I Cl -, ~... "'1 ., . ; I ~ .,. --,-" ;',,) " 'C' !\ JI~ (.) :~? ~ -;,...,':';. \ . .~tt.,.. ,. U.~I~i \11 I"" IIlll! ..- .. , .' r.... ;,! - . 'I 'li;H ..' ,. ,.', '.;';~?t;;,: . ,', '10" II I~! 6 "I ~ I',.,. -. , Ii, ;,.-- lIjill ?<~:,..~~. , ,~ .~ k . :.i',"'>" ::; I) ili ,J .~'-..!.!.;., ,. 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Z :u ~> '" 5""1 '- ~ ~m <=> :c ~O DO I/O e"T1 <=> w ~ 1';: .... ;::: 8!l: r- mr- "., "'- :u zZ SGl ,.'r'" ..-.. '. (. ," ..... .~ .; '" :.: .".:; . . __..,1.. : '. ~::. ~-~ STATE OF PENNSYLVANIA, COUNTY OF CUMBERLAND } 55. Robert P Ziegler I I. ________..__.._____.._..__~ ..__ ...,..___ __ __ __ __ _____.... __ _____.. __ ____..__~ __ __...... -- ---.. Recorder 0 n..d, in and lor ,aid Counl)' and Sial. do h.reb). c.rtil)' Ibat Ih. Sh.ril!'. Deed in which ---.-----..,.... Federal lIome I,oan Mtg Corp ________ ..__ __.. _________ ____ . __ __ _.. ___ ..__ __...... ___ ...... __ __...... ___ __ __...... __.... .............. __...... i.\ the grantee tb. .am. having b.en ,old 10 said grant.. on th. __.._~~~~____________,___.___.______.____._____ day 01 February 2000" ________________________,.._____________ A. D., 1~______., und.r and b)' VIrtU' 01 a wnt..__...._..___ Execution 30th __.___________________________ ____ ___ __.. __ ____ ___ i!i.liUed on the.. __ __.. ____________.... __.. ______________ day 01 ____,_..~~~,':!~____,______ A. D.. \!L~~__, out 01 Ih. Court 01 Cornman Pleas 01 said County as 01 ________________C_~yiJ.____..,__. __ _______________ __ __.__.. ___ ____,. ________.,,__.. Term, 19_ ...9.8__ Number _______~~~L_. at tbe suil 01 ___.t1.!'_U!?!Ugg_.!<.~EL_______h___'____h__.._____,______..__ _ _____________. __. _______..' _, _ __ __ againsl. _ _. _ _, _~~_~ '::! ~-"_ _~_ ~_~~~ !.lL ~ _~~~ ':: L.:'_ ~~~_______ ___ is duly recorded in Sh.rilr, Deed Book No, _.~,l_~______, Page ____!~:_____. IN TESTIMONY WHEREOF, I bave hereunto sel m)' hand and .eal 01 said ollice this __!.?.-:'cr.:{_ day 01 ----:72!4~r7---,-------;;:s' 19:?-':;~_~7 ~!'!;:2!ff--<9-;lR~;;t~~ ~~!*dt. e.a.Ilo.."'" CIIftlr, CIrtIsIt, M -, -- [apiIa... f........_. -'-" Mellon Mortgage ('omp.my -vs- Charles A. Ludwig and Mary Jane Ludwig In the Court of ('ommon Pleas of Cumberland ('ounty. Pennsylvania No.9H.6347 Civil Tcrm Michael E, Barrick, Dcputy Shcriff. who hcing duly sworn according to law, says on September 29, 1999 at 6:51 0 'c1ock P,M, EDST. hc postcd a copy of Rcal Estate Writ Notice Postcr and Dcscription in the abow catitled action upon the propcrty of Charles A. Ludwig and Mary Janc Ludwig located at 775 Erford Road. Camp Hill. Cumberland County, Pennsylvania according to law. R. Thomas Kline, Sheri IT. who being duly s\\'orn according to law. says hc made diligent search and inquiry for thc within namcd dcfendant sot wit: Charlcs A. Ludwig and Mary Jane Ludwig but was unablc to locatc thcm in his bailiwick, He therefore deputized the Sheriff of Dauphin County to scrvc thc within Real Estate Writ Notice Poster and Description according to law. DAUPHIN COUNTY RETURN: AND NOW September 29. 1999 at 8:20 PM served the within Real Estate Writ. Notice Poster and Description upon Mary Jane Ludwig by personally handing to Defendant a true and allested copy of the original Real Estate Writ, Notice Poster and Description and making known to her the contents thercof at 1515 High Pointe Drive Apt B, Harrisburg. Pa. And now September 29. 1999 at 8:20 PM served the within Real Estate Writ, Notice Poster and Description upon Charles A. Ludwig by personally handing to the defendant I true and attested copy of the original Real Estate Writ. Notice Poster and Description and making known unto him the contents thereof at 1514 High Pointe Drive. Harrisburg, PA. So answers J.R. Lotwiek, Sheriff. R. Thomas Kline. Sheriff. who being duly sworn according to law. says he served the above Real Estate Writ Notice Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action by Certified Mail Return Receipt Requested, Restricted Delivery, Deliver To Addressee Only to one of the within named defendants to wit: Charles A.Ludwig to his last known address 1514 High Pointe Drive. Harrisburg, Pennsylvania, This letter was mailed under the date of September 27. 1999 and received by Charles A. Ludwig on September 29, 1999 the return receipt card signed by C.A.Ludwig. R. Thomas Kline, Sheriff. who being duly sworn according to law, says he served the above Real Estate Writ Notice Poster and Description the following manner: The Sheriff mailed a notice of the pendency of the action by Certified Mail Return Receipl Requested, Restricted Delivery. Deliver To Addressee Only to one of the within named defendants to wit: Mary Jane Ludwig to her last known address 1514 High Pointe Drive. Harrisburg, Pennsylvania. This letter was mailed under the date of September 27, 1999 and received by Mary Jane Ludwig on September 29, 1999 the return receipt eard signed by C. A.Ludwig. R. Thomas Kline, Sheriff, who being duly sworn according to law says he served the above Real Estate Writ Notice Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to one of the within named defendants to wit: Charles A. Ludwig by first class mail to his last known address 1514 lligh I'ointc Drivc. Ilarrishurg. l'cnns)'II';lI1ia, This tCllcr lIas Icllcr was mailed undcr thc dlltc ofOctohcr I. 1991) IInd nCl'cr rcturncd to Ihc Shcrifl"s Ollicc. R. Thomlls Klinc. Shcriff. who hc:ing dul)' sworn IIccordinglo 11Iw. sa)'s hc served thc ahove Rcal Estlltc Writ Noticc Postcr and Dcscription in 1111: lilllowing manncr: Thc SherifTmailed a nuticc ofthc (lCndcnc)' ofthc action h)' Iirst class nmilto one orthc withinnamed defcnd,ll1ts to wit: Mar)' Janc I.udwig to her 11Ist known lIddress 1514 lligh Pointe Drive,lIarrishurg.I'enns)'ll'anill, This leller \VIIS mlliled undcr the dllle ofOeltlher I, 1999 and ncvcr returned to the Sheritrs Ofliec, R. Thomlls Kline. Sheriff. who heing dul)' sworn IIccording 10 11Iw. says thlltllfter duc and legal noticc had hc:cn given according to 1m\'. exposed thc within prcmises I puhlie venue or outcry lit Coun I louse. Curlisle. Cumherland Count)'. Pennsylvllnill on February 9.2000 at 10:00 o'clock A.M. and sold thc slime for thc slim of$ 1.00 to Allorne)' Jill Winkea for Federalllome LOlln Mongllge Corporation. It being the highest bid and best price received for the samc Federalllomc LOlln Mongllge Corporation of 1410 Springhill Road, Mclean. V A being thc bu)'er in this execution paid to Sheri1T R. Thllmlls Klinc the sum of $ 898.18 it being costs, Sheriffs Costs: Docketing Poundage Posting Bills Advenising Acknowledging Deed Auctioneer Law Library County Mileage Certified Mail Levy Postpone sale Surcharge Out of County Dauphin County Law Journal Patriot News Share of Bills Distribution of Proceeds Sheriff s Deed 30.00 17.61 15.00 15.00 30.00 10.00 .50 1.00 9.30 12.64 15.00 20.00 24.00 9.00 35.25 267.50 311.25 23.63 25.00 26.50 $ 898.18 I'd By Ally 02,09,00 su~~; R. Thomas Kline, Sheriff By {};t;;;, ~ rffij 7r Real Estate Deputy ~ ';' uU~ ,0 v , I. \ e.Je. J.. ? 'IS?. &, 9JJiy Sworn and Subscribed To before Me 9-' This~Day of )yv" d.) 2000, A.D.ghh,u D~~ p th notary , , . ~ MATTLEMAN, WEINROTH & MILLER BY: SHARON ORAS MORGAN, ESQUIRE Attorney 10 #60066 Suite 2226 Land Title Building Broad and Chestnut Streets Philadelphia, PA 19110 Attorneys for Plaintiff . - MELLON MORTGAGE COMPANY COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff vs. NO.: 96-6347-CIVIL CHARLES A. LUDWIG AND MARY JANE LUDWIG Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY PURSUANT TO PENNSYLVANIA RULE OF CIVIL PROCEDURE 3129 TAKE NOTICE: Your house (real estate) at 775 Erford Road, Camp Hill, PA 17011 is scheduled to be sold at Sheriff's Sale on December 6, 1999 at 10: OOam in the Cumberland County Courthouse, South Hanover Street, Carlisle, PA 17013 to enforce the Court Judgment of $69,636.31 obtained by Mellon Mortgage Company. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale you must take immediate action: 1. The Sale will be cancelled if you pay to Sharon Oras Morgan, Attorney for Plaintiff, back payments, late charges, costs and reasonable attorneys fees due. To find out how much you must pay, you may call Sharon Oras Morgan, Esquire at 215-923-2225. 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. 3. You may also be able to stop the Sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the Sale. (See Notice on page two and how to obtain an attorney). ',4} YOO MAY STILL BE ABLE TO SAVE YOOR PROPERTY AND YOO HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1- be sold calling If the Sheriff's Sale is not stopped, your property will to the highest bidder. You may find out the bid price by Sharon Oras Morgan, Esquire at 215-923-2225. .- 2. You may be able to petition the Court to set aside the Sale if the bid price was grossly inadequate compared to the market value of your property. 3. The Sale will go through only if the Buyer pays the Sheriff the full amount due on the Sale. To find out if this has . happened you may call Sharon Oras Morgan, Esquire at 215-923-2225. 4 . If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the Sale never happened. 5. You have a 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 Sheriff on January 7, 2000. 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. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the Sale. 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 LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Court Administrator 4th Floor Cumberland County Courthouse 1/717/240-6200 212/45830 ... . ALL THAT CERTAIN tract or parcel of land situate in East pennsboro Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the Easterly line of Erford Road (East), which point is two hundred twenty-nine and seventy-six one- hundredths (229.76) feet North of the Northeasterly corner of Erford Road (East), and Dulles Drive (East), in an arc having a radius of three hundred (300) feet in an Northerly direction to the left, thirty-four and sixty-one one hundredths (34.61) feet to a point at dividling line between Lots #18 and #l8x, Block "I", on said Plan; thence along said dividing line South eighty-seven (87) degrees thirty-eight (38) minutes thirty-six (36) seconds East two "l1l,mdred one and ninety-eight one-hundredths (201.98) feet to a point; thence South twenty-six (26) degrees zero (0) minutes East seventy and fifty-one one hundredths (70.51) feet to a point at dividing line North eighty-one (81) degrees two (2) minutes West two hundred thirty-nine and four one-hundredths (239.04) feet to a point, the place of BEGINNING. BEING known as 775 Erford Road, East Pennsboro Township, and formerly being premises known as 1607-A Brford Road (East) and having thereon erected a two story brick and frame dwelling. TOGETHER with the right to use in common the partition wall with owner and occupier of adjoining premises. BEING Lot #18, Block "I", in Plan No.7 of Ridley Park, which plan is recorded in the Office of the Recorder of Deeds in and for Cwnberland County, Pennsylvania, in Plan Book 15, Page 56. IMPROVEMENTS THEREON: Residential Dwelling I'ROOII Oil PUIII.ICA TION Oil NOTICE IN CUl\III~:IU.AND I.A W JOURNAl. (Under Act No, 587. approved May )('. 1929).1'. 1..1784 STATE OIlI'ENNSYI.V,\NJ,\ : ('OUNTY OF CLJi\\IIEIU.,\NI) : \\. Rolter 1\I.l\Iorltcnthal. ESllulrc. Editor of Ihe ('umberl,lIld Law Joumal, of the County and Slate aforesaid. being duly swom, according to law. delloses mid says that the Cumberland Law Joumal. u legal periodical published in the Borough of Carlisle inlhe Coullty and Slate aforesaid. was established Junuary 2. 1952. and designaled by the 10c,11 courts as the officiallegul periodical for the publication of all legal notices. und hus. since JmlUury 2. 1952. been regulurly issucd weekly in the said ('ounty. ullll thai the printed nolice or puhlicalion ,Ill ached hereto is exactly thc same as wus priuted in the regular cditions und issues of the said Cumberland Luw Joumul on the following dates. viz: OCTOBER 22. 29. NOVEMBER 5.1999 Affiant furlher deposes llmt he is authorized to verify this statement by the Cumberland Law Joumal. a legul periodical of general circulation, ,md tlmt hc is not interested in the subject mailer of the aforesaid notice or advcrtisement. and that all allegations in the foregoing statements as to time. place and character of publication arc true. REAL ESTATE SALE NO. 38 Wr1t No. 98.6347 Civil Mellon Mortgage Company VS. Charles A. Ludwig 1\1\(1 Mary Jane Ludwig AUy.: Sharon Oras Mor~an ALL THAT CERTAIN lmet or par. eel orland sUuate In Enst Pcnnsboro Township. Cumberland County. Pennsylvania. more particularly bounded and described ns follows. to wtl: BEGINNING at a pOint on the Easterly line of Erford Road (East). which point Is two hundred twenty- nine and se\'enty-slx one-hun- dredths (229.76) feet North of the Northeasterly corner of Erfani Road 1 (East). and Dulles Drive (East), In an , arc haV1nga radius of three hundred 1 (3001 feet In a Northerly rlll1'C't1on 10 j , ~ the left, thirty-four and sixty-one one hundredths (34.61) feet to n pOint at I dividing line between Lots #I 18 and i # lax, Block ''('', on said Plan; thence 1 along said dividing line South elAhty- ; seven (87) degrees thirty-eight (38) ; minutes thirty-six (36) seconds I~nsl 1 two hundred one and Illllcty-el.Etht ; one-hundredths (201.98) feet to a ; point; thence South twentY-SIX (26) ; degrees zero (OJ minutes East seventy j and fifty-one one hundredths (70,51) feet to a point at (Ilvldlnp; line North eighty-one {81l de.Etrees two (2) min- utes West two hundred thlrty-nlnc and four one-hundredths (239.0<1) feet to a point. the plncc of OEGlN. NINO. DEING known <IS 775 Erford RO<ld. East Pcnns\.)oro Township. and for- merly being premises known as 1607-A Erford Road (East) and hav. ing thereon erected a two story brick and frame dwelling. TOGETHER with the right to lISC In common the pnrUlIoll wall with owner and occupIer of adjoining premi~es, BE:tNO Lot # 18, Block "I", In Plan No.7 of Ridley Park. which plan is recorded ill the Office of tile Recorder of Deeds In ancl for Cumberland Coun. ty, Pennsylvania. In Plan nook 15, Page 56, IMPROVE:ME:NTS TIIE:RE:ON: Residential Dwelllllg. ( Ro cr M. Morgenthal. Editor SWORN TO AND SUBSCRIBED before me this ..2.-dayof NOVEMBER. 1999 .'llilli&.. . lOlS E. SNYDeR, NCU~'I I-',h,;,;. CGrl;,le eolO, Cumborland County PA M., Commiteion Exp'ret Mar:h .5, 2001 .' '.'L~, I \. 1~-' 11.(, !r.,:';;' , ,," '.' ":.,, : 1":'\ ! I 'I I I .'i ~.. '~ .\ " 1l ~j......-,... I ,\~:.:- ,:~ ," .J ".... .~ ~;'~V'.-;:~..~~. "( 't, 'K' AU. THAT CI-:n,TAIN trarlnr IMr ('(') o(l.lud Slll1"l(" In 1-:i1~I(TlllI~I)(lrn TOWI1"hlP, Cumht'rlaud COllllly. f'rnnsyh'"nlil, morf' Ilitrllf'ularly hmllulrcl.111l1 clr~..nh..'tI.." CoIlU\\'S,IU \\'11: In:mNNINO at oil I'flUl1 un lhr Ea..l...rly 11m' uC Ertllnl Un,ltl IE,I..II, \\'hldl point I.. 1\\,1) hlllltln'd IWI'lIl\' lIlrll' alld "C'\'('II1\' ..I' lIllC' hUll c1u'c!IIl.. l:l~q llll Ir-I'! NnJlIl tll !Ill' NUltlll',I..h'II\' I flllll" IIIl-:rt..rd !<lI,ul 11-:,1"\0, ,lIllllllllh'.. illl\l' d:d"O, 111.111 1111' 11.1\'111.:.1 '.Ullll"lIl,IlII'I'IlHIIIIIl'd I:UXJI frt'1 Ill" N,,"llrllv dIU'f'!lu" III -'N9~. ~t/~J LOf$ f, ~NY'Of:, '.....I\Of, ,. <J.. '" Co,.,.,. Iorv, C",",b"-~nd CO&.Hlty P.... My c-_... hp..., IoIo..h " 2001 Ihr 1c.'n,lhtl"ly,(nur awl MxIY'IlIW our hunclrrdlh!\ 1:"'.011 C('rlln a (Kllnl 011 I dl\'ldlll~ IIIU' 1.II:'I\\'('c'lI (.01'0 .11i .mll .16x, Bh)('k Mr, nusald I'I"n: Ihl'lIn' alOlI~ said (h\'ltllJl~ IIIU' StllIlIIC'I~II!~" ; S('\,('lI (H7) dr~rt'c's 1I11r1y'("~11I (:1M) IIIllllltC'S l1UrtY,SIX I:IH) "c'C'()lId~ '.:....1 Iwo hundrrd nllr aJllI IIlrll'ty.t'l~hl ()JI('.hllluln't1lh!'; I:lOI.DH) h....1 III a Ix/IIII; Ihrllfr SlIlIlh h\'l'IlIY-"IX l:llil dt'~rrl'sl('rnIO) mUlllll'!'; E"~I !'ot'Wllly alld Ony'Olll' U1U~ IlIlIuln'dlhsI711.:II) ft'cllo a pollll ill tll"hllll~ 1111'" Nurlh elAhty'olle 181) dl'~n'('s twn 12111I111- ules West two IHllulred 1Il1rlY'lIlm' and fOUf one-hundredths 12:10.0.1) feci to a pOint. the pIOl(,(, of 1H~G1N. NING, UEING kllO\m as 775 Erforcl Ho~d. l-:ast Prnn..hnrn Towno;hlp, :11111 Cur- lTIerly h('ln~ prc'lIIlscs kllOWII a., 1607-1\ Erforel Homl mas!) .111<1 ha\'. ln~ thl'rcolI crrclt'd a two story hr1ck ami (nunc chwllln~, TOGETHEH wHh the r1J.tht tn lISl' In CDlJImDn IIle p.1H.HlOll \\'.1lJ willi owner alld occupIer of adJllllIllI,Lt premises, UEING Lot "18, Ulock 'T'. In Plan No.7 of Ridley Park, which plan Is recorded In tile ornce of tile Ikconlcr ofDccds III mid forCumbcrlancl COUll' ty, Pennsylvania. In Plan Book 15, Page 56. IMI'ROVf:Mf:NTS TlmrIEON: Rcsldenllal DwclllnA. ;\; , ...... . ..~I' h(li. ",\.2- "'j...... '. *' " 't, f,t ,i;rY '. :' ",.,~.. .' ft,~ '~, t l j ,.f' ,'. 't;" 'I"' ,. I . . .' , :'f -I"t., < 5~: ,~.../:I~.;l . .( ~, 1. ' ~.~. ~~~'~.~;"'.{ : I ~: \'? \ .~..; \;..~. .r' : :~j" "~: \if: -~. , ''',''1 ,. :.V' " , I;; ."\' ~~,. , \~" ;' " ~ r (r~; If.:,., '/"". ;:~, J.:,1~'" I I I '. i ,I ~.~. ':0', ~ I i '~, p :-;-~f;";.,J'" <t. ','.,r,, ;., .J ~ .~~ "'''"" . .- ~~ '"~ I,,'. ..,. .~ THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication UnderAct No.581. Aooroued May t6.1929 Commonwealth 01 Pannaylvanla, County 01 Dauphin} .. Michael Morrow being duly sworn according to law, deposes and says: ThaI he Is the Assistant Conlroller 01 THE PATRIOT.NEWS CO.. a corporallon organized and existing undor tho laws ollhe Commonweallh 01 Pennsylvania, wilh Its principal olflce and place 01 business at 812 to 818 Markel Slreel, In Iha Cl1y 01 Harrisburg, County 01 Dauphin, Stale 01 Pennsylvania, owner and publisher 01 THE PATRIOT.NEWS and THE SUNDAY PATRIOT.NEWS newspapers 01 general circulation, printed and published al 812 to 818 Market Street, In the City. County and State aforesaid; Ihat THE PATRIOT.NEWS and THE SUNDAY PATRIOT-NEWS were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached herelo Is exactly as printed and published In their regular daily and/or Sunday and Metro editions/issues which appeared on the 26th day 01 October and the 2nd and 91h day(s) 01 November 1999. ThaI neither he nor said Company Is Interested In the subject matter 01 said prlnled nollce or advertising, and Ihal all 01 the allegations of this statement as to the time, place and character 01 pubtlcatlon are true; and That he has personal knowledge of the lacts aloresaid and Is duly authorized and empowered 10 verify lhls statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant 10 a resolution unanimously passed and adopted severally by the stockholders and board of dir ctors 01 the said Company and subsequently duly recorded In Ihe ollice for Ihe Recording 01 Deeds in and lor said Cut of ~uphln in Miscellaneous Book "M", Volume 14, Page 317. ' . ~ PUBLICATION Dt COpy Sworn to and subscribed elore me this 18th day SALE #38 Notarial Seal T Cfry L Russell, NOlillY Put,lie Harrisburg, Dauphin COlmly My Cornffll!;:;ion -If ires Juno 6,2002 . J 6 pires une ,2002 Member, P(m"<-",'IV:t"'l,l JlsSO("I;}tlC"'l ot Nol;:H1es ~.""-""""'''''''''~'.',--,," ...;' '; REAL ESTATE SAI.E.No. 38 . i .>,:;r."'.":Wrlt NollJ8.8347 \ ,;"'~"'~i_':i"~~~~',J"r~'1:,ClvltT.,~"'; . : : ",;-;.MeIIon ..,rtgage.compall)' . \:'.~~;'j!.,:~(lr>;'::f';I"~~t~~%/'i.~-,;i,',(,/:,:,':, ',' - ' ;" ;'"Y:','I,C2IiarltN1.A.u,m.tg 8I1d,," . , ",,,,."I,,,,,,,,.~.Lucfirl9"'" I I .~~~;;;;t:''< ,.- ... < ~ "..'.....'"..'~....... ....."....D I...... ON~..rgan '.' ~ .,..,t-:'~',.(l,.;'!;"', r,11 '^',,', ' i ~)IAU/tHAte Nhact or~ iCei 01' if~1ri . ,~!IIllo<O~hIP'; "~tDJ~~rtbed~" ~~~NNiNO'ii"a"''''\~bIi'iii;~isrtY' LIiI\ii,oI.ErIoid Road=:),whlchpolnt Is ...... ........-... -.............'~".I"D. ."./1 'tWAntV_Rlv CUMBERlAND COUN1Y SHERiFFS OFFICE COURT1-OlJSE CARLISLE, PA, 17013 Statement of Advertisina Costs To THE PATRIOT-NEWS CO.. Dr, For publishing the notice or publication attached hereto on the above slated dates Probating same Notary Fee(s) Total $ $ $ 309,75 1.50 311.25 Publisher's Receipt for Advertising Cost THE PATRIOT.NEWS CO., publisher 01 THE PATRIOT.NEWS and THE SUNDAY PATRIOT-NEWS, newspapers of general circulation, hereby acknowledge receipt of the aforesaid notice and publication costs and certifies thaI the same have been duly paid, THE PATRIOT.NEWS CO, By.........,..............................,...........................