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Home My WebLink About98-07332 . ~ ~ ~ II;: i~ , 111 \ - ~ ~ .~ ,~ ~. .~ 1.. ~ ~ ;-.4l Ii) ~ .~ ~ \i~ t l~ - . . .::l ~ <.::) ri ~ ~ ,. ~ \l-- . ~ FEDERMAN AND PHELAN By: FRANK FEDEffi1AN, ESQUIRE IDENTIFICATION NO. 12248 TWO PENN CENTER PLAZA, SUITE 900 PHILADELPHIA, PA 19102 (215) 563-7000 A'rTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION , ,.', ", " , . .' . ',' "I . ., \ ,- ~ .:, , ' .' " ' ., FIRST UNION NATIONAL BANK, S/B/M TO FIRST UNION NATIONAL BANK OF NORTH CAROLINA 1100 COPORATE CENTER DRIVE RALEIGH, NC 27607-5066 Plaintiff '1'ERM NO. 9Y- 7~ 3 L (~~J-~~ CUMBERLAND COUNTY v. JAMES J. RYAN SHELLEY R. RYAN 339 GREASON ROAD CARLISLE, PA 17013 Defendant(s) CIVIL ACTION - LAW ~ORTGAGE FORECLOSURE NOTICE THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the clai.ms 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 LAl>JYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OU'1' lmERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 (717) 249-3166 1. Plaintiff is FIRs'r UNION NATIONAL BANK, S/B/M TO FIRST UNION NATIONAL BANK OF NORTH CAROLINA 1100 COPORATE CENTER DRIVE RALEIGH, NC 27607-5066 2. The name(s) and last known address(es) of the Defendant(s) are JAMES J. RYAN SHELLEY R. RYAN 339 GREASON ROAD CARLISLE, PA 17013 who is/are the mortgagor(s) and real owner(s) of the property hereinafter described. 3. On 8/22/96 mortgagor(s) made, executed and delivered a mortgage upon the premises hereinafter described to FIRST UNION HOME EQUITY BANK, N.A. which mortgage is recorded in the Office of the Recorder of CUMBERLAND County, in Mortgage Book No. 1338, Page 391. By Assignment of Mortgage dated 5/1/97 the mortgage was assigned to PLAINTIFF which Assignment is recorded in Assignment of Mortgage Book No. 546, Page 570. 4. The premises subject to said mortgage is described as attached. 5. The mortgage is in default because monthly payments of principal and interest upon said mortgage due ^F19^ and each month thereafter are due and unpaid, and by the terms of said mortgage, upon failure of mortgagor to make such payments after a date specified by written notice sent to Mortgagor, the entire principal balance and all interest due thereon are collectible forthwith. A copy of such notice is attached as Exhibit "A." . . ' , . ' '1 ". ': , , ,,-,' ~, -, ." "". :', .' " ,'. "',"'" , : . '_ ., ~', , '. . 6. The following amounts are due on the mortgage: Principal Balance Interest 6/27/98 through 11/1/98 (Per Diem $18.45) Attorney's Fees Cumulative Late Charges 8/22/96 to 11/1/98 Cost of Suit and Title Search $66,793.77 2,324.70 3,339.00 303.42 550.00 Subtotal 73,310.89 Escrow Credit Deficit ~ ~ \'" , - .. " ' -. " ' :, ' ", ' , """"~~...,~..""",,,,,.....,....,.. '~~.:~.,..::, :. ;', 0.00 .L.J34.00 Subtotal 1,134.00 ',rOTAL $74,444.89 7. The attorney's fees set forth above are in conformity with the Mortgage documents and Pennsylvania Law, and will be collected in the event of a third party purchaser at Sheriff's Sale. If the Mortgage is reinstated prior to the Sale, reasonable attorney's fees will be charged. 8. This action does not come under Act 6 of 1974 because original mortgage amount exceeds $50,000.00. 9. The Temporary Stay as provided by the Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983, has terminated because either: (i) Defendant(s) have failed to meet with the Plaintiff or an authorized Credit Counseling Agency in accordance with Plaintiff's written Notice to Defendants, a true and correct copy of which is attached hereto as Exhibit "A"i or (ii) Defendant(s) application for assistance has been rejected by the Pennsylvania Housing Finance Agency. 10. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. !l 1692 et seq. (1977), Defendant(s) may dispute the validity of the debt or any portion thereof. If Defendant(s) do so in writing within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will obtain and provide Defendant(s) with written verification thereof; otherwise, the debt will be assumed to be valid. Likewise, if requested within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will send Defendant(s) the name and address of the original creditor if different from above. WHEREFORE, PLAINTIFF demands an in rem Judgment against the Defendant(s) in the sum of $74,444.89, together with interest from 11/1/98 at the rate of $18.45 per diem to the date of Judgment, and other costs and charges collectible under the mortgage and for the foreclosure and sale of the mortgaged property. ;;y~ r~ /s/ Frank Federman FRANK FEDERMAN, ESQUIRE Attorney for Plaintiff ~ ..'. . ,'~ '.' .. ,.' " ,,,' ~:' :'. '. . f " , ' ' " ":".:.: ,: .'.;, . . ' .,51 flLjNION First UnIon Mortgage Corporation po.t om" Box 900001 R,lelgh, North Carolina 27675-9001 1100 Corporate Center Drive R'lelgh, North Carolina 27607-6066 JA;\:\ES J RYAN 339 GREASON RD CARLISLE,I''\ 17013 September 25, 1998 RE: FUMC Loan Number 5017315 NOTIO: OF INTENTION TO FORECI.OSE First Union Mortgag~ Corporation is the holder of the mortgage on your property located at 339 GREASON RD, which mortgagc is in SERIOUS DEFAULT because you have not made the current monthly payment of 597.36 for 07/27/1998 through 09/27/1998. Late charges (and other charges) have also occurn:d in the amount of279.57, TIle total amount now required to cure this def.lUIt. or in other words, get caught up in your payments, as of the date of this lener is 1541.54. You may dispute the validity of the debt or any portioo Ulereof. If you do so in writing within thirty (30) days of receipt Oflhis h.,tter. we will obtain and provide you with wrillen vt:rilication thCfl'of; otherwise, the debt will be assumed to be valid. Likewise, ifrequested within thirty (30) days of ,,'ceipt of this lener, we will send you the name and address of the Oliginal creditor if different from above, You may cure this default within THIRTY (30) DAYS of the date of this \cner, by paying to us the above amount of 1541.54, plus any additional monthly payments and late charges which may fall due during this period. Such payment must be made in the fonn of certified check, cashier's check or money order, and made at First Union Mortgage Corporation, A TT;>oJ: Cash Processing, P.O. Box 900001, Raleigh, NC 27675-9000. If you do not cure this default within TIllRTY (30) DA YS, we intend to exercise our right to ae,derate the mortgage payments, TIlis means whate\'er is owing on the original Jrnount borro\""cd will be considcrrd due immcdialdy and you may lose the chance to pay off the original mortgage in monthly payments, If the full payment of the amount of default is not made within THIRTY (30) DA YS. we 3bo intend to start a lawsuit to foreclose on your mortgaged propaly. If the mortg3ge is foreclosed, your mortgaged property will be sold by the Sheriff to P3Y off the mortgage debt. If you cure the default bd()fC we begin Icg31 proceedings against you, you will still have.' to pay tbe reasonable attomcY'5 fees actually incurred up to $~O.OO, Howe\'er. iflcgal proceedings alc started against you, you will have 10 pay the ICJ~onablc altomcy's [l't'S e"en iftlll"Y arc over $50.00. Any atlomcy's fees will be adlit'" to \\ h~l:C\'l'r you owe liS, \\hieh may ;llso meIutic our ICJ~onahh.' (o:-t~, If ynu CUll' lhis default wllhin the THIRTY (30) J),\ Y p<nod, you will nol be rcqlli,,',j to pay the altumey'; f,'es. YOU 11,\ VETilI' RHillT TO RFlSSTATE Al'TI'R ACCElERAllOS ASIJ Till' RI(ilIT TO ASSl:RT I:>: EXHIBIT A , ' ' I, ;. . . ~ , ' " , ''', ,'" ;" c '-,' ',. ",' , " . .' , ". ,"' 'rO; , .-:rtiL.~">"._,,..~....,~..., '_I~~~.,....~- ._ ., THE FORECLOSURE PROCEEDINGS THE NON.EXISTANCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MA Y IIA VE TO ACCELERATION AND FORECLOSURE. We may also sue you persoually for the unpaid principal balance and alluther sums due nnder Ih,- mortgage. If you have nut cured the default withinlhe TIIIRTY (:10) DA Y period alld tineclosure proceedings have begun. you still have; the right to cure the default and pre\'ent sale at any time up to one hour before the Sheriffs forecloSllle sale. You may do so by paying the total due, as well as the reasonable anomey's fees and cost incurred in connection with the ron~closurc sale (and perform any other requirements under the mortgage). It is estimated that the earliest dale that slleh a Sheriffs Sale could be held would be approximately six months from the date of this Iener. A notice of the date of the Sheriff's Sale will be sent to you before the sale. Of course, lhe amount needed to cure the default will increase the longer you wait. You may find out any time exactly what the required payment will be by calling us at the following number: 1.800-65~-1350. This payment must be inlhe foml of certified check. cashier's check or money order and made payable to us at the addrcss stated above. You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after ,he Sheriffs Sale, a lawsuit could be started to evict you. You have additional rights to help protect yonr interests in the property. YOU HA VE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PA Y OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAYOFF THIS DEBT (YOU MA Y HA VE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND A HORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE AND THA T THE OTHER REQUIREMENTS UNDER THE MORTGAGE ARE SA TISFIED). CONTACT US TO DETERMINE UNDER WHA T CIRCUMSTANCE THIS MIGHT EXIST. YOU HAVE THE RIGHT TO IIAVE THIS DEFAULT CURED BY ANY TIIIRD PARTY ACTING ON YOUR BEHALF. If you cure this default, the mortgJgc will be restored 10 the same position as ifno default has occurred, However, you arc not entitled to this right to cure your default morc than three (3) timcs in any calendar year. Sincerely, ?1ttdMt ~eade~ EXHIBIT A Michael Headen Delinquency Control Mortgage Loan Servicing Group BLPAOI .." -',"",' ,'. _ ... ,~.(", ", ~.( - l'.., ,"'_ _ ~.' ',' ".... ,-- ~~-J' " ~. FRANIt I"EDF.RMAN lJ\WlU!....a T, PHrl.AN HAROLD N, ltAPl.AN- l.I!.SUU a, PUlD". FRANCS S, lWJ,JNM.- DANlEL 0, SOtMltO moMA.! ...., SAnOt moMAS ~,FEDERMAN- MlOtELE M. BRADFORD ROSEM.A.iUE nlAMONO- 1^lMII! B. COHE.'II- US" ,"" lJuMaNDl,;"RC- DANIELl, ROCH SIIF.ET.U.SU.ui.J,"oN" -,1DlrI1'T'XlJ IN ,D,t .tNlJ ,"J - ,"IEW JWF:r WANAGlNG P.-.Jm..r.R LAW orna.s FEDERMAN AND PHELAN SUITE 'XX) 'fWO i'll.'m CL"ITER I'LA].A I'HlLADEL..'JRlA,?.... 19101.1799 I::J\ :~I.j71l flAXI:IYl '63",-]4 ral!COPlER , r::,-) ,63.:m.a ilAN1a.liPTCY 7E~COP[E.R \:1.'1 364-;616 MEDIA QFFlCl! 64) NORTI!. Ht!tlDRON MEOlA. PA. 1m3 (:ljj.t9I-4'" ~w JEJtSEY OFFICE St.1"rE ~QS SENTRY orne! PI..A1.A :16 fW)DON A VENtJE WESTMONT, ~w JERSEY QUo! lE.ECOPtER ~ (6091 "1.9462 nos sane!! IS SENT TO YOU l" AN A.TrnMPT TO COLL.EC'r nm lNDEBTt!ONESS REFERRED 1'0 HEIU:IN.-.NO.-.NY lNFORMAnONOUTA.!NtiD FROM ~OIJ Will JE USED FOR ':-HAT ~t1U''Jst, A.DM!NlSTRATOR DONALl) .e. OOODMAN November 23, 1993 Shelley R. Ryan 339 Greason Road Carlisle, PA 17013 Re: Premises: Loan No.: 339 Greason Road, Carlisle, PA 17013 5017315 NOTICE OF rwrENTIoN TO FORECLOSE We represent First Union National Bank, the holder of the Mortgage on the above-referenced premises, who hereby advises that it will accelerate your Hortgage (demand payment in full) and pursue the foreclosure remedies permitted by the mortgage unless your loan delinquencies are cured as provided below. THIS FIRH IS A DEBT COLLECTOR ATTE:.IPTING TO CO...LECT J.. DEBT.. THIS NOTICE k~ SENT TO YOU IN AN ATTEMFT TO COLLECT THE INDEBTEDNESS REFE~~ED TO HEREIN ~~D ~~Y INFORMATION OBTAINED FROM YOU WILL BE USED FOR T~~T Pw~FOSE. You may dispute the validi t.y of the debt or any portion thereof. If you do so in writ.ing wi "Chin th irt.y (30) days of receipt of this let.t.2!", this f i:-:n '""ill obtai" a:1d provide yeu with W~:~~2~ ve=::ic~~:c~ t~~~~of; o~~e~~ise, ~b~ debt wil~ ce assu~ed to be valid. Likaw:s€t yeu may request the ~~~e 3~d address of the original creditor if different from above. The total delinque:1cy, including late and ether charges is $4,411.27 for the months of 7/27/98 through 11/27/98. Your failure to pay the delinquent amount, plus any additional menthly payment and lat~ a~d c:~~~ c~~=ge$ (incl~ding any acc=ued in~er~st) that may come d1..:-== 'w:' ':h:':1 t::.a next thirty (30) days, will result: in the acceleration of all sums due ur.der ycu= Mcr~;3ge. A:~~= accl?leraticn occurs, a for~closi.:re acticn cr- 3.;jY o":~+2= remedj' per~~t~ed by ycu= ~cr~;age ~~y te institu~2d. EXHIBIT A I . ' ' ",' . , ", . ',' '. 1 ~ " ~- , .'\ - .~. ~ - .~' " ~',~. ":- , , ., :..1.-!~.....:..,. To avoid the acceleration of your mortgage and subsequent foreclosure action, the delinquency mentioned above and any accrual thereto must be paid by CERTIFIED CHECK OR MONEY ORDER and received in our offices at Suite 900, Two Penn Center Plaza, Philadelphia, PA 19102, in or before thirty (30) days from the date of this letter. Please call (215) 241-1711 for the exact amount required. You have the right to reinstate your mortgage after accelerati.on by fulfilling the conditions stated in your mortgage pertaining to such reinstatement. You may call our office to discuss these conditions. Any future negotiations attempting to reinstate your loan or acceptance of any payment less than the full amount due shall not: consti tute a waiver by the mortgage holder of the accele:cat.i.or.\ unless agreed to in writing by the mortgage holder. You have the right to assert in the foreclosure proceedings the non-existence of a default or any other defense to acceleration and foreclosure. Very truly yours, FEDERMAN AND PHELAN BY:~~ ~~ Frank Federman FF:mtm cc: First Union Mortgage Corporation (Ne) Attn: Katie Rogers Loan No.: 5017315 EXHIBIT A ~ .~. ""~-; ":'......~',~. "~~..... ,;-~,--';l'-';,.,- :_ '" .:~,!'~'_ ,;".~r,' , .. '"\ T. ' " ".' '\ '. ~"~..' ,;,i,. - ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. The Commonwealth of Pennsylvania's Homeowner's Emergency Mortgage Assistance Program may be able to help you. Read the following notice to find out how the program works. If you need more information call the Pennsylvania Housing Finance Agency at 1(800) 342-2397. La notificacion en ad junto es de suma importancia, pues afecta su derecho a continuar viviendo en su casa. si no comprende el contenido de est a notificacion obtenga una traduccion immediatamente llamanda esta agencia (Pennsylvania Housing Finance Agency) sin cargos al numero mencionado arriba. puedes ser elegible para un prestamo por el programa llamado "Homeowner's Emergency Mortgage Assistance program" el cual puede salvar su cas a de la perdida del derecho a redimir su hipoteca. ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ THIS NOTICE. YOU HAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAv~ YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FU'l'URE MORTGAGE PAYMENTs Date: November 12, 1998 RE: Account No. 5017315 Premises: 339 Greason Road, Carlisle, PA 17013 TO: James J. Ryan 339 Greason Road Carlisle, PA 17013 Shelly R. Ryan 339 Greason Road Carlisle, PA 17013 FROM: Federman and Phelan, attorney for First Union National Bank You may be cligible 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 emergency temporary assistance if your default has been caused by circumstances beyond your control, you have a reasonable prospect of resuming your mortgage payments, and if you mcet other eligibility requirements established by the Pennsylvania Housing Finance Agency. Please read all of this Notice. It contains an EXHIBiT B -'.., .~ . . 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 plan, or to otherwise settle your delinquency. This meeting must occur in the next (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 mortgage foreclosure may take place for thirty (30) days after the date of this meeting. As representative of the mortgage holder, our name and address is: FEDERMAN AND PHELAN, SUITE 900, TWO PENN CENTER PLAZA, PHILADELPHIA, PA 19102; Telephone Number: (215) 241-1711. The names and address of desianated consumer credit counseling agencies are shown on the attached sheet. It is only necessary to schedule one face-to-face meeting. You should advise this lender immediately of your intentions. Your mortgage is in default because you 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 $4,342.42. That sum includes the following: Total of monthly payments from 7/27/98 to 11/27/98 including all accrued late charges, if any: $4,297.42 Property inspections and NSF check charges, if any: ~ " i; :\ 45.00 Other charges accrued, if any: !L...QQ LESS: suspense (unapplied funds): -0.00 TOTAL AMOUNT OF DELINQUENCY: $4,342.42 Your mortgage is also in default for the following reasons: N/A 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 from 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 trom a consumer credit counseling agency. The EXHIBIT 8 '- 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. " II is extremely imporllmllhal you fue your applu:alioll prompliy. If you do 1101 do so, or if you do 1101 follow /he olher lime periods sel fOrlh ill IhLV leller, foreclosure may proceed agail1"'" your home immedioleZv. 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 has sixty. (GO) days to make a.decision after it receives your application. During that additional time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by that Agency of its decision on your application. The Pennsylvania Housing Finance Agency is located at 2101 North Front street, Post Office Box 8029, Harrisburg, Pennsylvania 17105. Telephone No. (717) 780-3800 or 1-800-342- 2397 (toll free number). Persons with impaired hearing can call 1-800-342-2397. In addition you may receive another notice from this lender under 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 Pennsylvania law. However, if you choose to exercise your rights described in this notice, you cannot be foreclosed upon while you are receiving that assistance. Very truly yours, FEDERMAN AND PHEUU~ I I By:r~~~ Frank Federman FF/rntm cc: First Union Mortgage Corporation (NC) Attn: Katie Rogers Loan No.: 5017315 '. Sent by Regular Mail, Certificate of Mailing (PS Form 3877) EXHIBIT B . ~.' -~ '-" ,",.- '~\. ~:-"-'."'''',''' ~ .,' ..' :;: :", ~.-. ,~ . . PENNSYL V k\TIA HOUSL'IG FINANCE AGENCY HOMEOWNER'S EMERGENCY MORTGAGE ASSISTA.NCE PROGR.UI CONSUMER CREDIT COUNSELING AGENCIES CRA WFORD COUNTY . ' ' r"'",:,"~r~-: ,~>;',~-:::-,r;r"'-:'-,~-,~-'~~~. ..~';;'~"r",Y',"'"!/'_':"'''l.'ta::..:..:,'' ':"'-:", ,l!',>, ',' :" ,: '_ ~- -~ '~. ,. . ~~'''''''':''''-''''''''..--.'-', , '. Booker T. Washington Center 1720 Holland Street Erie, PA 16503 (814) -I53-5i44 FAX iI (814) -I53-5i-l9 John F. Kennedy Center, Inc. 2021 East 20th Street Erie, PA 16510 (81-1) 898-0400 FAX;I (814) 898-12-13 Greater Erie Community Action Committee 18 West Ninth Street Erie, PA 16501 (81-1) -159-4581 FAX;I (814) -156-0161 Sbenango Valley Urbank League, Inc. 60 I Indiana '. venue Farrell. ?A. 161:1 (412) 981-5310 CUMBERL\.ND COUNTY Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Ling[estown Road Harrisburg, PA 1 i 1 02 (71i) 541-175i FAX;I (912) i31-9589 Financial COWlSeling Services of Franklin 31 West 3rd S~...et Waynesboro, PA 17268 (71i) i62-3285 Community Action Commission of the Capital Region 151-1 Derry Street Harrisburg, PA 17104 (71 i) 232-9i5i FAX '* (iI7) 230\-2227 Urban league of Metropolitan Harrisburg 210i North 6th Street Hamsburg, PA 1 il0l (71i) 234-5925 FAX iI m i) 234-9459 YWCA of Carll,le 301 G. Street Car[isle, PA no 13 (71i) 2-13-3818 FAX '* (iI7) 731-9589 The PemlSylvania Housing Finance Agency can be reached TOLL FREE at 1(800) 342-2397 EXHIBIT B FEDERMAN AND PHELAN Two Penn Center Plaza suite 900 Philadelphia, PA 19102-1799 (215) 563-7000 Te1ecopier #: (215) 563-5534 June 7, 1999 Office of the Prothonotary Cumberland County Courthouse South Hanover street Carlisle, PA 17013 RE: FIRST UNION BANK (S/B/M TO FIRST UNION NATIONAL BANK OF N.C.) VS. CUMBERLAND COUNTY " ' . ., J .... . " .: ': .' .. ,'/ ~ t'.', I ~" .,' ',"". \ ' ..~ ,", '. ';'. '.' .' . i, :. ,.', ',...., ',' ",:,.':. '..,', _' COURT OF COMMON PLEAS CIVIL DIVISION JAMES J. RYAN SHELLEY R. RYAN NO. 98-7332 CIVIL TERM RE: AMENDED AFFIDAVIT OF SERVICE PURSUANT TO RULE 3129 Dear Sir, Enclosed please find the following: xx Affidavit of service pursuant to rule 3129 with attachments. Please return a time-stamped copy in the self-addressed stamped envelope that has been provided for your convenience. for your cooperation_ Llnd Phelan cc: -Sheriff's Office of Cumberland County IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA RE: FIRST UNION BANK (S/B/M TO FIRST UNION NATIONAL BANK OF N.C ) vs. COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY JAMES J. RYAN SHELLEY R. RYAN NO. 98-7332 CIVIL TERM AFFIDAVIT OF SERVICE PURSUANT TO RULE 3129 COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND SS: I, FRANK FEDERMAN, ESQUIRE attorney for FIRST UNION BANK hereby verify that on MARCH 4-,--1999 true and correct copies of the Notice of Sheriff's Sale were served by certificate of mailing to the recorded lienholder, and any knmm interested party see Exhibit ".^." attached hereto. Notice of Sale was sent to the Defendant(s) on ~J1\RCH 4, 1999 by first class mail and certified mail, return receipt requested, see Exhibit "B" attached hereto. Shelley'S certified mail was returned signed, see Exhibit "C" attached I1vreto. James' certified mili] ,Ias returned but not signed, see E>:hibit "e" attached hereto. _J)i~~t Jy~ FRANK FEDERMAN, ESQUIRE Attorney for Plaintiff D!\ T I ,U1.D e 7J___12l)') .....;:o..:~'.,. ':"" ""I .~~.__ '-. ~'"1i~~~'; ~ , " , ,.' . .. \' .':.' "J '. ',. ',... . ') l " '\ , '_ '. . \ } . _ \> , " t -I' (i "\\\ n . I .," I f~~~g~ ., '," _._1 ,. ";::1 ~1~t:~g " . .. ') 'IlI.'J ~ . 2 " :2 .. " ~ :: ~ .n S-;,; . " " "',' .. .- ~HH~ a E .... ", ~~ .' " 0: - '- E S o.~, u ;; ~ ~'i:'~oE ~-:~~~5 S\Of' P4' ~~fJo-~. r~ ~ ~ E "- c - ell <'C a ~ ?~E~~~ iii -n~ ......~ ~ I~ I'\':> ~_ ~.ri'~s . o~ <'>- ;;.~ .;:J:: g ., ~ a: ~ ...., "Oa...:5 "0 .~~ -" - ~..: E ",N ~:; ,~ , ~~^~.;5)~ <I. .:1_ '" \.:: --.; I) <;! 5.+=:g 1? ~ ':!':Jl': 8 0:'1> ~w ~::-rJ. 3 ,,;:S:l ~ , /. ~1i; a:~ :;. .. ~ c;.l"': " , 2i5 <1.0':=-;;;0 <:oleo. 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(Print Nilme) I 6. Signature: Ad essee or Agent) : L-~Ci~-t_.-- ~ ;_-'l-L1J PS FORM 3 11. December 199) 4 x Domestic Return Receipt SENDER; . Cr."C;~ bu.. ;It p,~I'l IT 'f'lU '('(lUll!' 1~(.~:IIIL\'.'j O"lrl""., '1--- .,~;I:~~,,'{<'lUr rli1ll11' ,'H~ll d'jrlr"';.s em T~l,' "'V""", I I' I II I also wish to recelVl~ llle u "" i lIH~ 1r,IrH ';1) 1Il.1! N.; C.H1 It'll/In H-,,,, ';:1',1 0 owmg serVices (for ,1n extra feel . AUilcrl1h,s I.O'1t110 lh.~lrIJrll ,)1111.. '1'0111(:",(", I or'''\:I'l't).lC~,i",p..Lt'(l<J'':,nUTI!'''!rllt 0 R . TIlt.' R.'!urn "'~C'_"l1t Will ,.t,,:w \0 ,..,,1'l1ln U, . eSlricled Delivery ___~_. .. ~- .1I1h.I>' "'-0\', 'l'.'''~''''''l.j''d Ii". '":11.. 'Wi,,,,,,.,, I 3 Article Ad,jre~~-~'- ~.._~--~-_~ ' . Consuil postmasle I I --r--.----- J or ee. .~A '-; ,'':) .1. t''lA:. i ..1.1. Article Number p 970 627 627 J_' .~ I '"h I Service TYP1:- .i'.,...'\.::V:. ~~: "I.1J ...i..,\.._L':":,..., ." ~ 'l" J ~ CERTIFIED ! !--- I,i 7 D'"JjI/~r~ ,-__,_V/J l' _ ~~ P,;~:::r.:ss.,:,~':> AduI<!:j.s I ---_---1 I 6 Vlrf1I~219';~r' i:-~ L-;- t-----~ PSFLRM3811'D"C","b"~99' ) ,-- - --Bt'6: 5. Received By: (P"ntf.J3-':;;;j*--- Do:n'?Slic-Rei;:Jrn-ReceiPt--- (( ( \ .....' H" . " . . ,,' .' , , .:.., \>.. . ,. '. .'"".. " \ , r.~ >'", <.J ,'. " ( .~) ~ ! o'j ;~.) > , , IJ --.' -::,1 -< I.) ,J) , -... \ ! I ~', '=' "!r:" N:~"~~~,\(I\''''~~'' ~",.",,,,;;....,.,,,.~ "~-,..;,.':.,+'""~,,,, ~~':ltV:~.... , ',' . '. ., . ',"",: :'? -, :_ '.'-~-~ ",,,. - ..J~," _'~:".' 'I..,' .' '-. SHERIFF'S RETURN - REGULAR CASE NO: 1998-07332 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND FIRST UNION NATIONAL BANK VS. RYAN JAMES J ET AL CPL. MICHAEL BARRICK , Sheriff or Deputy Sheriff of CUMBERLAND County, Pennsylvania, who being duly sworn according to law, says, the within NOTICE AND COMPLAINT IN was served upon RYAN SHELLEY R the defendant, at 14:22 HOURS, on the 12th day of January 1999 at 339 GREASON ROAD CARLISLE, PA 17013 ,CUMBERLAND County, Pennsylvania, by handing to SHELLEY E. RYAN a true and attested copy of the NOTICE AND COMPLAINT IN together with MORTGAGE FORECLOSURE and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service AfiidavJ.t Surcharge 6,00 .00 ,00 8,00 So answe~~...+"" ~ ~~~~J{.r'~ R, I homas KlJ.ne, ~herJ.11 514.00 FEDERMAN & PHELAN 01/12/1999 by ',r:1 1__ '. \ ...:-./<-_.~~,- "'", Deputy SherJ.11 Sworn and subscribed to before me this ,fr. day of !' - -~i' ,I"~ f I 19 /) " A, D, , -'-.., J'.t'Jl. I I ~ ' "' ~ , :! i, )11<.".... --2-'.:f~ rothonOl:ary , ,",. ., '. ",', ',c':. .', " . "", !., )".' . J!I"'_' STATE OF PENNSYLVANIA, COUNTY OF CUMBERLAND ( I 55. I, -----___!~9..~~!_t__]L.?}}:gJ~_r:.____________ _______________ ____ ________ _h___. ____ Recorder of Deeds in and for said County and State do hereby certify that the Sheriff's Deed in which __h_h_________ Norwest HAnk of Hinnesota N ^ Tr - ---- - ----- -- - ------------- --- ----- ------ ----- -- ----- ----- --- -- --- ..- - - - - - - -- - ------ _ is the grantee 9th the .')amc h,:ning been sold to said grantee on the -n------------------________h_____n___h____ da)' of h--~~!~:-h__________________OU___..h__ A. D., J9___?Y___, under and by virtue of a W1iL_h______h__ Execution . Blll ---- -- ----- ------- ------ -- -- --- -- --- - - - - - - - --- __Issued on thr.: _ _ _._ _ _ __ _ __ __ ___ __ __ _ _ ____ __ __ __ __ ___ day of ------tl'!r!;lL____n______ A, D., 19h.9.L, out of the Court of Comman Ple:l' of said Count)' as of -----~-~':~}-h___h________n_ h_hh - h__ _h -- ___h.._.._ ___n__ ________ ____ _h_ _ Teml, 19__.9_1!__ Number ---:!:-:____n. at the suit of ____~~.:_s_~_~~~~~~_~l_".~~__s_~~!:n._~?_ !,~~~~_t__ ~:l!_O_~_~.:"_~!_~j_k._?!_ North C 'i ro 1 i nil Jmacs J Ryan 6: Shelly R ~ ------ -- --- -- --------------- --- -- -- ag-ainst - - - - -- -- -- -- - - - --- __ __.. _ _ _... __ __ __ __ __ _ _ _ _____ ____ __ _ i.Ii 204 928 duly recorded in Shenfes O""d Book No, __ __ _ __ __ ___, Page _ __ -_____n_' IN TESTIMONY WHEREOF, I ba,'c hereunto -4 ,er my 'lIld and seal of said office thL' -__~_c:._____ day :~- -----, -------- --,"} A~' , -22..__ )1" " '1"1 .. n_ 'l:jl-LV- __~' ~ :__ _ _________ ; V ,{ rder of ~ed. !lIoarck<" .. e-c" CldsII, !Ill lit Qv-- rll u,... .dill....,...... 0" ""(o".;'>7<lG#l';."....'i...t..;<.: ",,'" , . . ,'\ , . '. ". .., '. ~ '. \~ _' ',' , ;-, . r I, " " , . _ . , First Union Bank, (SIBIM to First Union National Bank of North Carolina) -vs- In the Courl of Common Pleas of CumberJalll1 County, Pennsylvania No, 98-7332 Civil Term .fames J. Ryan and Shelly R. Ryan Richard E. Smith, Deputy Sheriff. who being duly sworn according to Jaw, says on April I, 1999 at 8:53 0 'clock A.M. EST. he posted a copy of Real Estate Writ Notice Poster and Description on the propel1y of .fames J. Ryan and Shelly R, Ryan located at 339 Greason Road, Carlisle, Cumberland County, Pennsylvania according to law, Richard E, Smith, Deputy Sheriff, who being duly sworn according to law, says on April I, J999 at 8:53 o'clock A.M. EST. he served a trlleeopy ofl~eal Estate Writ Noticc Poster and Description in the above entitled action upon one of the within namcd defendants to wit: James J. Ryan by making known unto Shelly Ryan wife at 339 Greason Road, Carli"le Cumberland County, Pennsylvania. its contents and at the samc time handing to her personally the said true and attestcd copies of the same. Richard E, Smith, Deputy Sheriff, who being duly Sworn according to law, says on April I, 1999 at 8:53 0' clock A.M. EST, he served a true eopy of Real Estate Writ Notice Poster Gnd Description in the above entitled action upon one of the within named defendants to wit: Shelly Ryan by making known unto Shelly Ryan at 339 Greason Road. Carlisle, Pennsylvania, its contents and at the same time handing to her personally the said true and attested copies of the same. R. Thomas Kline. Sheriff, who being duly sworn according to law, says he served the above Real Estate Writ Notice Poster and Description in the following manner: The Sheriffmailed a notice ofthc pendency 0 fthc action by regular mail to onc of the within named defendants to wit: James .I. Ryan to his last known address 339 Greason Road, Carlisle, Pennsylvania, This letter was mailed under the date of April 2, ] 999 and never returned to the Sheriffs Office. R, Thomas Kline, Sheriff. who being duly sworn according to law, says he served the above Rcal Estate Writ Notice Poster and Description in the following manner: The Sheriff mailed a notice ofthc pendency of the action by regular mail to one of the within named defendants to wit: Shelly Ryan to her last known address 339 Grcason Road, Carlislc, Pennsylvania, This lettcr was mailed undcr the dme of April 2. 1999 and n.:\'er n;turned to the Sherifl's Oftice, So answers: ,..?' .. ~.~ ~'.1"'4 ./ {/'. ?- ,%".-"""'....c.c :-e",..,.",-,.? I , R. Thomas Kline, Sheriff By~~Ju-- Real Estate Deputy r' II R. Thomas Kline, Sherin~ who being duly sIVorn according to law. says that after due and legal notice had been given according to law, exposcd the within described premiscs at public venne or outcry at the Court Ilouse, Carlisle, Cumberland County, Pennsylvania, on June 9,1999 at 10:00 o'clock A,M,EDST, and solcJ the same f'lr the sum 01'$ 1.00 to Atlorney Daniel Smeig for Norwest Bank of Minnesota, N.A" Its Sllccessors and assigns, It bcing the highest bid and best price rcceived fi)r the same, Norwest Bank of Minnesota, N.A. being the buyer in this Execution paid to SheriffR. Thomas Kline, the stlln of $ 632,95 it being Sheriff's Costs. Sherifrs Costs Docketing Poundage Posting Dills Advertising Acknowledging Deed Auctioneer Law Library County Mileage Certified Mail Levy Surcharge Law Journal Patriot News Share ofDills Distribution of Proceeds Sheriffs Deed 30,00 12.41 15.00 15.00 30.00 ]0.00 .50 1.00 4.34 1.45 15.00 24.00 177.50 222.75 22.50 25.00 26.50 $ 632.95 pd by atly 7-28-99 -- '" ./4'/Y ,,' (::. "~'_-lf'..~~-;.; Sworn and Subscribed To Bel{lre Me So answer$; , . - , " _.-" f'" . .' 'l ,.,. R. Thomas Kline_ Sheriff BY~ Real Estate Deputy This 11[' Day of (d'r<r 1999 A D ( /: ). ' - , . . '--_:p(,-~( ~.J:..u~'~__YJ/~ Pro\llltJlOtary 1.,1/ _.J~t. 0.,l. jC-. . 1:1) ), ) U:- ~,'I(,~ / ? r 'f;)O ":) feu-- ~~,~ft.,.,..,-.~4I,CO.. ... c,._. , ;, . . " ~ ," '::.. , :,' '....~l , '.. :.," , . ~ ',: ~. ' , '" . .,' \.' " ' ''" " . ' .'. " w I j l' j! 'i 'j 1 , j I i . I j I j ! { l .! . i \ l , ; ., t . , ! ~ ,~ FIRST UNION BANK, (S/B/M TO FIRST UNION NATIONAL BAliK OF NORTH CAROLINA) . . CUMBERLAND COUNTY COURT OF COMMON PLEAS V9. CIVIL DIVISION JAMES J. RYAN SHELLEY R. RYAN : NO. 98-7332 CIVIL TERM NOTICE OF SHERIFF'S SALE OF REAL PROPERTY February 24, 1999 TO: JAMES J. RYAN SHELLEY R. RYAN 339 GREASON ROAD CARLISLE, PA 17013 THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. Your house (real estate) at 339 GREASON ROAD, CARLISLE. PA 17013, is scheduled to be sold at the Sheriff's Sale on JUNE 9, 1999 at 10:00 a.m. in the Cumberland County Courthouse, South Hanover street, Carlisle, PA 17013, to enforce the court judgment of ~,585.09 obtained by FIRST UNION BANK, (S/B/H TO FIRST UNIO~ NATIONAL BANK OF NORTH CAROLINA) (the mortgagee) against you. 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 the mortgagee the back payments, late charges, costs and reasonable attorney's fees due, To find out how much you must pay, you may call: (215) 563-7000. 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. . 1 . .. '. :.' .. - .' , ' . , ' '. ' . '. .. '" ";." - ~ , ,'. ~.) '~. . J ' .,".' ~. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will havc of stopping the sale, (See notice on pagc two on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER ~IGHT8 EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. be sold calling If the Sheriff's Sale to the highest bidder. (215) 563-7000. is not stopped, your property will You may find out the price bid by 2. sale if of your You may be able to petition the Court to set aside the the bid price was grossly inadequate compared to the value property. 3. The sale will go through only Sheriff the full amount due in the salc, happened, you may call (215) 563-7000. 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, if the buyer pays the To find out if this has 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff on 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 home 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 ATORNEY REFERRAL CUMBERLAND COUNTY BAR ASOCIATION 2 LIBERTY AVENUE Cumberland County Courthouse CARLISLE, PA 17013 (717) 249-3166 (800) 990-9108 li:iI'"~" ~ r.llIUni ,.-, "'_,--"."'.'-'~"~"'-'~~- i-J"_"'1f~~~: ',' . - ,-- c~ ~ . " '.' . 1. '. ", I ' .. "~ ..I: -<---:' .. "; - " . DESCRIPTION ALL THAT CERTAIN house and lot of ground Situate in the Village of Creason, Township of West Pennsboro, County of Cumberland and State of Pennsylvania, bounded and described as follows: ON the West by Main Street; on the North by lot of ground now or late of Mrs, Bessie Warner; on the East by a twenty (20) foot alley; and on the South by lot of ground now or late of S.C. Burgett. CONTAINING forty (40) feet in front on said Street and in depth two hundred (200) feet to said alley, by the same, more or less, Tax Parcel #46-20-1778-032 TITLE TO SAID PREMISES IS VESTED IN James J. Ryan and Shelley R. Ryan, his wife by Deed from W, Stanley Morrison and Sharon L. Morrison, his wife dated 9/11/92, recorded 9114/92, in Deed Book W35, Page 679. , " '.i 'j 1 . ~~ . i :/. " WRIT OF EXECUTION and/or ATTACHMENT . , >. .. , , ~ " . " : ,'. , .', ' ' " , ' . ' . .'. - " .',' ... ','" . . 'Q . :' . . " . " \ . COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO. __ 9B-7332 CIVIL ~_TI?~ CIVIL ACTION - LAW :~ TO THE SHERIFF OF -.-CullllJelJ~nQ,________COUNTY: To satisfy the debt, interest and costs due ,~irs t~lLnj.Q!LJ3a~U3LI,lLM 1'0 Fi rs t Uniona 1 -1Ja.tioniLLJ3Dnk of NortIJSaroJ i nal PLAINTIFF(S) from, ,lames ,). EYan__8lQ1l.QY_RJt'an 339 Greason IlQilcL CarlisJCL Pa. 17013 ---.---. DEFENDANT(S) (1) You are directed to levy upon the property of the defendant(s) and 10 sell Real PJ:"QWrJy_D9 Greas.on Road, Carlisle. Pa. 17013. --------- o , (2) You are also directed to attach the property of the delendanl(s) not levied upon in the possession ot -----.-----.- ---_._--~....~-_._,----- ----------_____,_GARNISHEE(S) as follows: ----------_._-----_._-----_.._--~- and to notify Ihe garnishee(s) that: (a) an attachment has been issued; (b) tile garnishee(s) is/are enjoined from paying any debt 10 or for the account of the defendant(s) and from delivering any property of the defendant(s) or otherwise disposing thereof; (3) II property of the defendant(s) not levied upon an subject 10 attachment is found in the possession of anyoneother thana named garnishee, you are directed to notify him/herthat/lelshe has been added as a garnishee and is enjoined as above slated. Amount Due _,_5-.2<2.,,5_135..92__,____, __ __ ___ L.I.. ----____;>l1_._:2!L,_____,__ Interest Fran ?l2~/99 to Sale @ $12.58 per diem Interest -----l,~108..12,-__,_....__..___....,_,_..___,..~ Due Protl1y __cL-_(]Q.....__,___ _'__ Atty's Comm _'________,__,.."" % _______....,___ OttlOr Costs .._'____,_. Atly Paid -,---.._.___.li5~}L___ __....____, ______ Plainlllf Paid _, _ _ __ _ -_.-._~~.,"-,- .-------.------.------ ----....-.....-- '--"" m_____....____..__u Date: __, ~l..)r"(~JUL, )999, , '" C'llrti,,_I~,_J,()!l_9_~__,_____ Prothonolary, Civil Division bY'u"/'j~C ,c,,_)lJ.._<L(<~___ REQUESTING PARTY: Deputy Name __._Yr011k..FC'.l.<::I1Pcm, ;",'u,_ Acl..dress: Su i te _.~.~_(~_(2___ _u-'}.~""o llcnn Cent cr P] t'lZi:! L'lJiludclplJiu. 1'0. 1~J02 Attorney for: 1:1 oli flU f f Telephone __( 2!"J-,,_(,,-7IHH) Supreme Court /D No, ]:>:'~ B , f.' I' :' ' . \ L;~l :4. r.,'........,..:; ~...,..'. , , -..,j :, l' ~ J .:_. (", /\ r ~. "ii' ^'S ~ \, \,.... ef. " I ' 1.....:,-\ .~, L. iJn - /Y"1Cc~ 7, ('Wi the sheriff levied upon the deiem:,:i:' , interest in the real property sltui'tcd in (,/.1<lI-,Il.f4~ ~ CUI1'lrJr>rl'("r~~ r;"'ll,:qill . v ., "-" ~1...1...I"'1, r ' ." '2::>oJ::t. t!e..I:.. ,':'1" 1<:<.:';" ,::'L..~ :'.i~~i-lf..;'~~'Uo 3.S: ~./.._ Q~ [..... IY 17 ;7 ".' ~_..._-_...,.'; ",' ' ':,' :' "... ". '>lll'cJ'll "A" ','j'f! "'::~, '. ,'J !~, ~~ .I.,._'.,"..~ l"j l~.\ I I .t:\.I \'-'1 . th:" "'r;"';'" ;')11 "';~ "c....,".;"."O l'r"""fJor'\"../ t1erhl'n Iv .'1 .\ ;:;.1'.... ....1 l.I...J .\,;lvt ...llv, .Ll!l .d \.Ill . Iv . ,) t.- ~f By: _I";Z~/ _ -L'4/t}"4d ,4/~ :. "':-J iJYIt':,,~.1 ~ /9 <; 9 . :-~.. ~.,. ~,~ :,'. .':. (f.~..., '.~' - "," .~", '.~~~. , .. ...~...,::-,....' '~"'-',"~: u '-j ;.r,-.y~:....- "'~~"'l:/':: -:: -:, ,,-;-"c'-:,.;::.~:~.. " ,.,,' ",,;.' . . , " .~. :;"l.':'J. ~ ~ .~?q -.....11 ,.:D -, l' . , r \.~ . ., . ,~. " , ' ' " " ' .: " _'" .; ".',.:', *. : .' " < . . 1 -:, " _' "J.'~. " . I \ ..~,.~ ,,~~'.~"!7"'~I'AA"" ".',""',~,,"j''':''''..,.:!I;H ~-J"t ..... ..... " ;- 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 on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPER'l'Y AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF I S SAI,E DOES TAKE PLACE. 1. be sold calling If the Sheriff's Sale to the highest bidder. (215) 563-7000. is not stopped, your property will You may fi.nd out the price bid by , > ~. , ..... ',. ',.,', ~ ,,.. ' : ..' ',',",; " .' .: " .' . '. ,'. . , ' '," . , " 2. sale if of your You may be able to petition the Court to set aside the the bid price was grossly inadequate compared to the value property, 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call (215) 563-7000. 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 the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer, At that time, the buyer may bring legal proceedings to evict you, 6. You may be entitled to a share of the money which was paid for your house, A Schedule of distribution of the money bid for your house will be filed by the Sheriff on _ 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 home 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 CM."NOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIIlD OUT WHERE YOU CAN GET LEGAL HELP. CUHBERLAND COUNTY ATORNEY REFERRAL CUMBERLAND COUNTY BAR ASOCIATION 2 LIBERTY AVENUE Cumberland County Courthouse CARLISLE, PA 17013 (717) 249-3166 (800) 990-9108 ").. ..- ~h:;;;~"" .,.~,~ '" , , . >Or .- - .' . I . :' .,'. . . . . ' ~, : ~ - '.~' , ' ^' . . '".~ '~. I" '. ~-'.' \ '.. ' '..' " / , DESCRIPTION .I ALL THA T CERTAIN house and lot of ground Situate in the Village of Creason, Township of West Pennsboro, County of Cumberland and State of Pennsylvania, bounded and described as follows: ON the West by Main Street; on the North by lot of ground now or late of Mrs. Bessie Warner; on the East by a twenty (20) foot alley; and on the South by lot of ground now or late of S.C. Burgett. CONTAINING forty (40) feet in front on said Street and in depth two hundred (200) feet to said alley, by the S:i!l1e, more or less. Tax Parcel #46-20-1778-032 TITLE TO SAID PREMISES IS VESTED IN James J. Ryan and Shelley R, Ryan, his wife by Deed from W. Stanley Morrison and Sharon L. Morrison, his wife dated 9/11/92, recorded 9114/92, in Deed Book W35, Page 679, , -~...,~.~... ~-'r-.'1i - -~-'~.,..- ...'_."~, FEDERMAN AND PHELAN Frank Federman, Esquire Identification No. 12248 Two Penn Center Plaza Suite 900 Philadelphia, PA 19102-1799 (215) 563-7000 FIRST UNION NATIONAL BANK, S/B/M TO FIRST UNION NATIONAL BANK OF NORTH CAROLINA Plaintiff vs. JAMES J. RYAN SHELLEY R. RYAN Defendant(s) TO: JAMES J. RYAN 33~ GREASON ROAD CARLISLE, PA 17013 DATE OF NOTICE: FEBRUARY 2, 1999 ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO. 98-7332-CIVIL tll( COP}' THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY. IMPORTANT NOTICE You are in default because you have failed enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten (10) days from the date of this notice, a JUdgment may be entered against you without a hearing and you may lose your property or other important 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: CUMBERLAND COUNTY CUMBERLAND COUNTY BAR 2 LIBERTY AVENUE CARLISLE, PA 17013 (717) 249-3166 ASSOCIATION , :' I !\, \ ). i'"," I ~\/ \, . /) \\1. \ :'\,\"v, Frank Federman, Esquire Attorney for Plaintiff . 1. .", . .:'. " ','. ' . , '. " . ". , ~ . ~ , . . " " '.' L '" '. ..' '. > + ~ I ,.' . ,:.. I -. , , \ t:~ c: ~ (- '-J " . c: '" 'J j~ 'J V' \ <c'\ ~; )0- ~, , \ 'I '" \' " -.....,..""~ \ ...) "'J \ .~ {. \ ': \ ... \- ,> \, c , '(- -"- I,: ',- .., '., t;) '- ".~1::';',,,,::,;:~.-.."'" ~ if ~ -.;) 2 . ""-'.'; ': ,..:~.:.~:. ': ~,- .., >., . -: . " . '. ~ '-.' \ ,-, .. """,.;:'. ....~.."' ,- -~ (Rule of civil Procedure No. 236) - Revised IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW FIRST UNION BANK, (S/B/M TO FIRST UNION NATIONAL BANK OF NORTH CAROLINA) NO. 98-7332 CIVIL TERM Plaintiff vs. JAMES J. RYAN SHELLEY R. RYAN Defendants Notice is given that a Judgment in the above-captioned matter has been entered against YOll on -}h'e-v.J., j- /<7'/ <) By: -) '- jiM, (/ 7).1.-,(1...... . , DEPUTY '" r.~~ ':} : ~ ',' ......' ','r',.. ......... . '~,",~,;""'~'-')<. ;~. "',:" "--'.'-~~-~j""';;., .', If you have any QUestion".,s conC~rning,th is matter, !\ f(' ~\ 'J \ . I 'i':' ~ , . !/\fJl"v'; ,t., i \ L \.y'\..'\,~ FRAMK FED RMAN, ESOUIRE Attorney for Party Filing please contact: Two Penn Center Plaza, suite 900 Philadelphia, PA 19102 (215) 563-7000 THIS NOTICE IS SENT TO YOU IN AN ATTn1PT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. PRAECIPE FOR WRIT OF EXECUTION (MORTGAGE FORECLOSURE) p.R.e.p. 3180-3183 FIRST UNION BANK, (S/ll/M TO FIRST UNION NATIONAL BANK OF NORTH CAROLINA> IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA vs. NO. ... .9.~-:7.:P'2. .~I.v.l.l~ .~~Il!' TERM, 19..... JAMES ,J. RYAN SHELLEY R. RYAN PRAECIPE FOR WRIT OF EXECUTION {MORTGAGE FORECLOSURE) To the Director of the Office of: Issue writ of E~ecution in the above matter: Amount Due $ ,7.fi..?~~,.0~. . . . . . . Interest from 2/25/99 TO SAl,E $. h~Ql!'.3;1. . . . . . . @ $12..58 PER DIEM (+ costs) r \ '\ 'J " i) N ;', I, I :,! , ,I /'1 . . . ..\ t\(.:y, ~ I. . :1" Y "1. ;0 .l~~v.\:v Attorney for Plaintiff(s) Note: Please attach description of property_ - , "-'" '. ,". . :: . " , .", ' " '.<'. .' ~ ' - .'," , \', ,,], ' J, ,;'. :, . . .,' . ' I. . ~. .. , . . , , . t:l t:l t:l . . , lIol I'l: ~ ~ r.. ;2 - O.:c ..... - '- '" '" '" ... ...l 0 ) . to .-t .-t .-t COZ ~~ ... ( .- .:cl'l: 1:-<- ~.r.. , , , rill> ~U Oril ""_' ~ a a a ~~ ucz: ->;. ... '" '" '" "'>< ~~ lIolO ~'I:-< Gl Gl Gl co XCf.I r-, Z I:-< E-< I:-< ZZ 0 rilO / .... OZ :o:z ~ ~ --~) . ..=: ~~ .... r..u ---'j. ...:I ...r.. Ollol ".,/';- . Pi 0 ....0 cz: c'" '" ~ u , --:~ 1:-<0 (<~~~-:..-.:': ~ >< . ...r.. r..1:-< ~ cz: .r.. oz ~... :J:ril , ...l 0 ~ t!! ,'-:"'--., )4 ..... 1:-<0 ...::J ~~ cz:.:c /'ril I> CZ:U Z ot!! _,':Z; ..... 0 zo >< r..1:-< ), cz: u 00 0..... 0:: , cz: 2.0 ........ 0:: N uz 15;2 . lIolO -" I:-< <') !<l: ""l::; "'::I: ,/--.." I:-< <') ril~ ...- "--<':'_-~.--~' ~ ..... :x:cz: ...:z: "'~ u I gaS r., , ... E-<lIol ~~ N '" t:l ~s ..: Z::I: ...,'" cz: "'0 '" u 0 N . , ...l 0 0 0 ... Z Z Z r.. ~ ,t '-.I :,:'l ,"'~ ') ';l 'J ,J "" ....1 " -, ~ ~:l ,...; ,- , :.1 ~ ,~ ).. .....; '" .. W tJ ~ I:' ,-1 '" , '. \ ~ -- \ , - -J \ , " \ ',." ~ " . , '" \, .";:, ." \..<.;. ~ , , ! '; ) >'.,:, '~', , _ {';.) - .- ',' ,':, ,"".,., \, ,j . .~": '~. .,'," -:~":" '..',' ',', ',- ,: \,', " DESCRIPTION " "ALL THAT CERTAIN house and lot of ground Situate in the Village of Creason, Township of West Pennsboro, County of Cumberland and State of Pennsylvania, bounded and described as follows: ON the West by Main Street; on the North by lot of ground now or late of Mrs. Bessie Warner; on the East by a twenty (20) foot alley; and on the South by lot of ground now or late of S,C. Burgett. CONTAINING forty (40) feet in front on said Street and in depth two hundred (200) feet to said alley, by the same, more or less. Tax Parcel #46-20-1778-032 TITLE TO SAID PREMISES IS VESTED IN James J. Ryan and Shelley R, Ryan, his wife by Deed from W. Stanley Morrison and Sharon L. Morrison, his wife dated 9/11192, recorded 9/14/92, in Deed Book W35, Page 679. ~..:.-~;..:r.' ~..:.~ " " '. '. " ."~: ~".: -~.~~-l--~--~c--:,~ '~,~"~ii,,-~r;.;:.-:.":I._'~','''' '0', I . _,..r", 1'. ,.' '.,. -1". _.' . . " . , . FEDERMAN and PHELAN By: FRANK FEDERMAN Identification No. 12248 sui-to 900 Two Penn Center Plaza Philadelphia, PA 19102 (215) 563-7000 ATTORNEY FOR PLAINTIFF FIRST UNION BANK, (S/B/M TO FIRST UNION NATIONAL BANK OF NORTH CAROLINA) CUMBERLAND COUNTY : COURT OF COMMON PLEAS : CIVIL DIVISION VB. : JAMES J. RYAN SHELLEY R. RYAN NO. 98-7332 CIVIL TERM CERTIFICATION FRANK FEDERMAN, ESQUIRE, hereby verifies that he is attorney for the Plaintiff in the above-captioned matter, and that the premises are not subject to the provisions of Act 91 because it is: ( an FHA mortgage ( non-owner occupied ( vacant (xx) Act 91 procedures have been fulfilled This certification is made subject to the penalties of 18 Pa. C.S. section 4904 relating to unsworn falsification to authorities. " D ' l' , \',: ,\ " "'\,t~ i" :I)l 1\.\\,'-i.,,~' FRANK FEDERMAN, ESQUIRE Attorney for Plaintiff ,':; , . " ".' '1. ': ,', ,,:- .......:~ ,~':. ,::-. . _ . _ " , .' ~ . , ., - ,'I. , . , "...,. ~ -' FEDERMAN and PHELAN By: FRANK FEDERMAN Identification No. 12248 suite 900 TWO penn center Plaza Philadelphia, PA 19102 (215) 563-7000 ATTORNEY FOR PLAINTIFF FIRST UNION BANK, (S/D/M TO FIRST UNION NATIONAL BANK OF NORTll CAROLINA) CUMBERLAND COUNTY COURT OF COMMON PLEAS : CIVIL DIVISION VS. JAMES J. RYAN SHELLEY R. RYAN NO. 98-7332 CIVIL TERM VERIFICATION OF NON-MILITARY SERVICE FRANK FEDERMAN, ESQUIRE, hereby verifies that he is attorney for the plaintiff in the above-captioned matter, and that on information and belief, he has knowledge of the following facts, to 'Nit: (a) that the defendant(s) is/are not in the Military or Naval Service of the united states or its Allies, or otherwise within the provisions of the soldiers' and Sailors' Civil Relief Act of congress of 1940, as amended, (b) that defendant JAMES J. RYAN is over 18 years of age and resides at 339 GREASON ROAD, CARLISLE, PA 17013. (c) that defendant SIlELLEY R. RYAN is over 18 years of age, and resides at 339 GREASON ROAD, CARLISLE, PA 17013. This statement is made subject to the penalties of 18 Pa, C.S. section 4904 relating to unsworn falsification to authorities. (j ,I' \.J ~\jI"-i,, ~,\I)}(" ',- ['A~- FRANK FEDERMAN, ESQUIRE Attorney for plaintiff " . ~ , ',: ' .,' i ".' ',:';'., , " ,t', i~'" . ~ ) , I, ~ : -,. _ -. " . , ,,",,,", . '. .' ' " . 0,' , . '. ' .