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BANKONE, NATIONAL ASSOCIATION, TRUSTEE
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
vs.
Do - J' /,[7 CIVIL ACTION - LAW
ACTION OF MORTGAGE FORECLOSURE
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CRICKET M. KRICK AND
HARRY O. KRICK, JR.
Defendants
TillS FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTINGTO COLLECT
A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU
WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT.
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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 the 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
claim in the Complaint of 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 TIllS POPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT RAVE A LAWYER OR
CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN
GET LEGAL HELP.
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CUMBERLAND COUNTY LAWYER REFERRAL SERVICE
I COURTIlOUSE SQUARE CARLISLE, PA 17013-3387
717-249-3166
A VISO
LE RAN DEMANDADO A USTED EN LA CORTE. SI DESEA DEFENDERSE CONTRA LAS QUEIAS
PERESENTADAS, ES ABSOLUTAMENTE NECESSARIO QUE USTED RESPONDA DENTRO DE 20 DIAS DESPUES DE
SER SERVIDO CON ESTA DEMANDA Y A VISO. PARA DEFENDERSE ES NECESSARIO QUE USTED, 0 SU ABOGADO,
REGISTRE CON LA CORTE EN FORMA ESCRITA, EL PUNTO DE VISTA DE USTED Y CUALQUIER OBJECCION
CONTRA LAS QUEJAS EN ESTA DEMANDA.
RECUERDE: SI USTED NO REPONDE A ESTA DEMANDA, SE PUEDE PROSEGUIR CON EL PROCESO SIN SU
P ARTICIP ACION. ENTONCES, LA COUTE PUEDE, SIN NOTIFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y
REQUERIRA QUE USTED CUMPLA CON TODAS LAS PROVISIONES DE ESTA DEMANDA. POR RAZON DE ESA
DECISION, ES POSSIBLE QUE USTED PUEDA PERDER DINERO, PROPIEDAD U OTROS DERECHOS IMPORTANTES.
LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATEAMENTE.
SI NO CONOCE A UN ABOGADO, LLAME AL "LAWYER REFERENCE SERVICE" (SERVICIO DE REFERENCIA
DE ABOGADOS), (215) 238-6300.
CUMBERLAND COUNTY LAWYER REFERRAL SERVICE
I COURTHOUSE SQUARE CARLISLE, PA 17013-3387
717-249-3166
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BANKONE, NATIONAL ASSOCIATION,
TRUSTEE,
: IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYL VANIA
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Plaintiff
vs.
CIVIL ACTION LAW
ACTION OF MORTGAGE FORECLOSURE
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CRICKET M. KRICK AND
HARRY O. KRICK, JR.,
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Defendants
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THE FOLLOWING NOTICE IS BEING PROVIDED PURSUANT TO THE FAIR DEBT
COLLECTION PRACTICES ACT, 15 U.S.C. 1601
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The undersigned attorney is attempting to collect a debt owed to the Plaintiff, and any
information obtained will be used for that purpose. The amount of the debt is stated in this
Complaint. Plaintiff is the creditor to whom the debt is owed. Unless the Debtor, within thirty
(30) days after your receipt of this notice disputes the validity of the aforesaid debt or any
portion thereof owing to the Plaintiff, the undersigned attorney will assume that said debt is
valid. If the Debtor notifies the undersigned attorney in writing with the said thirty (30) day
period that the aforesaid debt, or any portion thereof, is disputed, the undersigned attorney shall
obtain written verification of the said debt from the Plaintiff and mail same to Debtor. Upon
written request by Debtor to the undersigned attorney within said thirty (30) day period, the
undersigned attorney will provide debtor with the name and address of the original creditor if
different from the current creditor.
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PURCELL, KRUG & HALLER
1719 N orth Front Street
Harrisburg, PA 17102
(717) 234-4178
Attorney I.D.# 15700
Attorney for Plaintiff
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CRICKET M. KRICK AND
HARRY O. KRICK, JR.,
ACTION OF MORTGAGE FORECLOSURE
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BANKONE, NATIONAL ASSOCIATION,
TRUSTEE,
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYL VANIA
Plaintiff
CIVIL ACTION - LAW
vs.
Defendants
COMPLAINT IN MORTGAGE FORECLOSURE
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1. Plaintiff, BANKONE, NATIONAL ASSOCIATION, TRUSTEE, is a corporation, acting through its
servicing agent of Homecomings Financial Network, Inc., with an address of 9275 SKY PARK
COURT, SUITE 300, SAN DIEGO, CALIFORNIA 92123.
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2. Defendant, CRICKET M. KRICK, is an adult individual, whose last known address is 115 SOUTH
GEORGE STREET, MECHANlCSBURG, PENNSYLVANIA 17055. Defendant, HARRY O. KRICK,
JR., is an adult individual, whose last known address is 115 SOUTH GEORGE STREET,
MECHANICSBURG, PENNSYLVANIA 17055.
3. On or about, April 12, 1999 the said Defendants executed and delivered a Mortgage Note in the sum of
$71,250.00 payable to MEMBERS 1ST FEDERAL CREDIT UNION, which Note is attached hereto
and marked Exhibit "A".
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4. Contemporaneously with and at the time of the execution ofthe aforesaid Mortgage Note, in order to
secure payment of the same, Defendants made, executed, and delivered to original Mortgagee, a certain
real estate Mortgage which is recorded in the Recorder of Deeds Office of the within County and
Commonwealth conveying to original Mortgagee the subject premises. The Mortgage was subsequently
assigned to BANKONE, NATIONAL ASSOCIATION, TRUSTEE and will be sent for recording. The
Mortgage and Assignment are incorporated herein by reference.
5. The land subject to the Mortgage is: 115 SOUTH GEORGE STREET, MECHANICSBURG,
PENNSYLVANIA 17055 and is more particularly described in Exhibit "B" attached hereto.
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6. The said Defendants are the real owners ofthe property.
7. The Mortgage is in default due to the fact that Mortgagors have failed to pay the installment due on July
I, 2000 and all subsequent installments thereon, and the following amounts are due on the Mortgage:
UNPAID PRINCIPAL BALANCE
$70,900.82
Interest at $21.66 per day
From 06/01/2000 To 01/01/2001
(based on contract rate of 11.000%)
Accumulated Late Charges
$4,635.24
$0.00
Late charges at $33.93
Per month for 7 months
$237.51
Escrow Credit
$651.89
Attorney's Fee at 5% of Principal Balance
$3,545.04
$79,970.50
**Together with interest at the per diem rate noted above after January 1,2001 and other charges and
costs to date of Sheriff s Sale.
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 Sheriffs Sale. If the
Mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged that are actually
incurred by Plaintiff.
8. No judgement has been entered upon said Mortgage in any jurisdiction.
9. Notice of intention to foreclose and accelerate the loan balance pursuant to Pennsylvania Act No.6 of
1974 is not required in that the original principal balance exceeds $50,000.00.
10. Defendants are not members of the Armed Forces of the United States of America, nor engaged in any
way which would bring them within the Soldiers and Sailors Relief Act of 1940, as amended.
II. Plaintiff has complied with the procedures required by Pennsylvania Act 91 of 1983 (Homeowners'
Emergency Mortgage Assistance Payments Program) and Defendants have either failed to meet the time
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limitations as set forth therein or have been determined by the Housing Finance Agency not to qualify
for assistance..
By:
CELL ALLER
Leon P. Her, Esquire
Attorney for Plaintiff
J.D. # 15700
1719 N. Front Street
Harrisburg, P A 171 02
(717-234-4178)
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WHEREFORE, Plaintiff demands judgment in mortgage foreclosure "IN REM" for the aforementioned
total amount due together with interest at the rate of 11.000% ($21.66 per diem), together with other charges
and costs including escrow advances incidental thereto to the date of Sheriff's Sale and for foreclosure and sale
of the property within described.
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1II111~11I111111111111111111111111I11111111111111
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API KRICKI14544
LNI 2009884. PHH
NOTE
Aprl1 12.1999
[JlJu<]
HECHANICSBURG
ICity]
Pennsylvania
[5....)
115 S. GEORGE STREET.MECHANICSBURG.PA 17055
[Property Address)
I. BORROWER'SPROMISETOPAY
In return for a loan dw I have received. 1 promise to pay U.S. $ 11 . 250 . 00 (Ibis amount is called
"principal"), plus _, ID Ibo onIer onhe Lender. Th. Lender is ME H 8 E R 5 1 Sf F E 0 ERA L C REO I T
UNION _
I understand that the Lmdcr may 1ranJter dds NoIe. The Lender or anyone who 1aIw this Note by 1I3IISfer and
who is cndtled to n:ceive paymealS UDder this NOli: is called the -Nole Holder..
Z. INTERI!Sl"
IDlenm will be cbarged. an UDpaid principal until the full amollllt of principal bas beeD paid. I will pay
imerest au yearly raleof 11.00005.
The interest ra1e n:quired by this section 2 is the rau: I will pay both before and after any default described
io Sa:lion 6lB) of Ibis NOIe.
3. PAYMENTS
(AI TIme aDd,Pl8<eof ~
1 will payprinclpal88d _, by _8 payments ""et)' mondI.
I will make'JDy ~lbIy:payments on the 1 5 lIaJ of each month beginniDI on J u n e 1. 1 9 9.9
J wll/ makelhese paymenlS Cvely ....Ih UBlill ba.. paJd OIl 01 <he principal and inBln:sl 88d aoy o_cIuulIOS
described IleIow 11I11 I may owe under this N.... My moolbly paymenlS will he appJIed ID in...... hel'ole
principal. If, on May 1. 2 0 2 9 . I still owe amounts UDder this Nn,te, I will pay lbase anmunlS iD
full on 11I11 date, wbic:h is c:aI1ed Ibe "mawrity date. "
I will maIcomy IIIOlIIhlypaym'.lsa. P.O. 80x '0. HECHANICS8URG. PA 17055
oral a diffelenlplace ifrequlred by tile
Note Holder.
(8) Aa..IUIl' arMonthly ~
My DIOD1hly paymcal wUl be in the IIIDtRUIt of U.S. S Ii 7 8 . 54 \
4. BORROWER'S RIGHI' TO PREPAY
IIIave ,he right,al1l8ke ~ olprinclpal at aoy lime boro..Ihoy_"" due. A payI1IIOIt or principal only
is known as a -prapaymem,._~, When I make a prep19me11I. I will tell.be Note Halder jn wri1illJ tbaI [am doing so.
r may make a full JRPIYmeDI or partial pmpaymeDts widlout payin,g any prepayment cbaqe. The Nore
Holder will_ all.(my _ID reduce die amount olprincipallhat I..... WId.. Ihis NolO. Ifl maIa:.
panw Pl'lOpaymoa., ""'" Will lie ... dIatIaa io Ibe due date or I. the amounl of my monlllly pay..... unI...
lIIe NOIe Holder __ io wrilillllD dtore _gas.
S. LOAN CHARGES
It a law. which applies ro dlis Joan and wbith seES maximum loaa cI1arges, is fmally inrcrpreted 10 that die
tnteresl _or GIber loan charges coIlecIed or 10 be collecled in couection wiJh thia loan m:eed Ihe pennittcd
limits. thoa: (I) any sudt loan c:hatJlO sba1lhe n:dw:ed by lIIe amolllll __ to n:d... Ihe c:hatJlO ID Ibe
penailled limit: and (II) any owns _y oa11eeu:d from me _ weeded pmmilled limilS wiD he lOfuaded
ID me. The 1'1010 Holder ...y cIuIoso ID make IIlls ../unci by reducios 11I0 principal 1 .... under IIris NOlO or by
mak1ns a dJrect paymem ro me. If I zelUnd reduces principal. die reduction ",J1I be IJeIIId as a partiBl
prepayment.
MULTI8TATE FIXED RATE NOTE-Single Fomllf-FNMAlfHLMC UNlFOlIM INSTRtlMBNT
1SCICNOT"11019S1321lO(1283)-L Pqe 1 on rorm 3200 lZ/83
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d. BORROWER'S FAILURE TO PAY ASREQtJIREI)
(AI La.. Cbarg. for Overdue Pa1Dl....
If d1c Note HaIder has not received the full amount ot any mombly paymem by the end of 15 daIimdar
days after lhe dare It is due, I will pay a late charge to the Note Holder. The amount of the Charge wlll be
5 . 0000 S of my overdue payment of principal and inlerest. r will pay this llUe charge promptly but only
0DCe on each late paymci1t.
(8) Ilefouk '
If I do no! piy die full amount ofe.1dt monddy paymem on rbe dale it is due. I will be in defaul!.
(C) Noll.. or Default
If I am in defauli. the Nme Holder may send me a wtinen ROEice telling me thal if I do DOl pay die overdue
amount by a cenaln date. Ihe Note, Holder II1l\V n:quiIe me to PlU' inunediately the tUU amount of princ!paI
wblch bas oal been paid and all lb. _ tbat I ow. on lha. amount. That dale lIlU!l be at IeuIJO clays after
the dateon which the notice_Is deUvered or mailed 10 me.
(D) No Waiver By NoI. HoI.....
Even if, at a time wilen r am in ~aull. die Note Holder does not require me 10 pay immediately in full as
described above. the Note Holder will still have de right to do so if I am in defau1t81 a Ialer liDUl.
(I!) Paymont ofNOIe HoI....... Com ODd ~
If dte Note Holder b.. '"'lUillld 11I010 pay immecllarely in lUll.. described abov., tile N...l/oIder will have
the right to be paid -back by IIU:l for all of III COSIS and expenses in enrorciq Ibis Note to the extent not
prohibited by opplloable law. Those expenses include, for_I., .....noble at.....,.' f....
7. GIVlNGOFNODCEs
Unless applicable law requires a different medlod. any DOticc rhumusl be liven to I1Ul under Ibis NOIe will
be given by deUverinS il or,by maillog II by fiDt c:Iass mail 10 ... at lb. Propmy Add"....b... or at a different
addmss if 1 give the Narc Hqlder a nollc:e of my dift'etent address. .
Any nm1..Iba: IIIIIIt be slven 10 the No.. Holder under 'hi. NOlO will be BiVen by mallll11 II by firsl class
mail to the Note Holder II the address slaled ill Section 3(A) above or at a differem addrC53 if r am Biven a
ROlice arlbll diffemu a.1dress.
,. OBUGATlONS OF 1'EllS00s _ TIllS NOTE
If more Iban .... person signs 'hi. NOle, ..... person is fully and peISlloally obligated 10 keep all of lb.
promises made in -ibis N, ute, IftC,'luding the promise to pay tbe lUll amount owed. Any perIOD. who Is a
guaranlor. SUrely or endorser of Ibis 110.. is aIao oblisa:edro do IbeSe Iblnss. Any person who taIces over
these abUgallons. inc:ludiqlhl: obligations of a aullllDUlt. surely or endorser of this Note, is also obligated 10
keep all of the promises made in lhis NOle. The Note Holder may enforce its rigbll dJlder this Note apInsl
eal:hpersoa iadividuallyor agaiDIt all of us tolether. Thismeaas IbaI: lID)' ODe ofos may be requited to pay all
of tile amonnrs owed ullder tbIa N<ae.
9. WAIVERS
I and any odter person who bas obUgadons UDder this Note waive the rights of pmsentmeDI and notice of
dishonor. -PreselHmem- meaas d1e right ro RqUhe IlIe Noll Holder fD demand payment of amoUDlS due.
-Notice of dishonor- means dle right 10 require the Nole Holder to give notice to oEller persona lbat amouDl5
due have not_been paid.
10. IlNIFOIIM SECtJIIEIl NOTI!
This Note: is a uniform insr.nameDl with limited vlrialions in SOIM jurisdictions. ID addition 10 d10 pmIeCtioDs
,1"0 10 tile No.. I/older WIder Ibl. N.... . M_, Deod of Ttusl or SecurI'l' Deod (lbe .Secusity
Inslrumenl"l. dated !be same dale .. Ibis Note, p1OIeOIS tile No.. Kolder from possible losses wbich mlgbt
result if 1 do not keep &be prumisca which I make in Ibi. Note. 1bat Security rnstrumeDt describes how and
onder what ",ndidons I may be '"'lU1red 10 ...... _.. pay..... in IUft or all 8IlIlllIIIIlI I owe under IblJ
Note. Some of Ihosc condiEions an: described 81 follows:
MIJLTlSTATE FIXED RATE Nor_.... FBIOIly-FNMAlFHLMC UNIFORM INSTRlIMENT
ISC/CNOT*"/1019S/32OO(12B3).L Pase 2 of] Form3200 12183
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LN# 20098B-<1-PHH
Tra..r... of lite Property or . 1IentIidBl1._ IBIIoITower. Ir all or ..y pan of lit. Property
or any interesl in iE is sold or transfemd (or if a bellefrcial inferesl in Borrower is sold or tt'lDSferred
and Bcmower is Qat a nawraI peraoD) without Lender's prior wrillen consall, Lender may. 81 ill
option, require irnmc:diate payment in full of all sums secun:d by Ihis Security InanumcDl. However.
Illig opIion sball nol be exercised by Lender if Cla:crclse is prohibited by federal law as of Ihe date of
tbis SecuriEy butrume.at,
If Lender exercises Ibis option. Lender shall give Borrower nOlic:e of acc:eIeralioD. The IlOIice
shall provide a period of D.011ess than 30 days ftom the dale the notice is delivered or mailed WiIhin
which Borrower muse pay all sums secured by this Securily lastnllneOL Jf 'Borrower tails to pay lltese
sums prior to IfIe expirar.ion of this period. Leader may invoke aD)' remedies permitEed by Ibis
Seeurily Instrument wilhout fUnber nonce or demand on Borrower.
8Y SIGNING 8ELOW. Donowor aa:oplI and _ to lite lenI1S and coven.... comalned in p_ I
lbrough 3 orlhis NoIe.
WITNESS THE HAND(S) AND SEAL(S) OF THE'UNDERSIGNED.
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CRICKET M KRICK.
(Seal)
-Borrower
(Seal)
-Borrower
(Seal)
-Borrower
(Seal)
-Bonowor
(Sign On,inal Only]
-
oe President
. DBA
at10n
MULTlSTATE I!1XED RATE NaJ'E-8i.... FamlIy-FNMAlIi1ILMC llNWORM INS'l'RUMENT
ISC/CNOT--1I019SI32OO(1283).L Page 3 of 3 Fonn 32l1O 12/83
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ALL ~T CBRTAIN triangular lot of ground situate on the Bast side of
George Street, in the Borough of Mechanicsburg, in the County of
CUmberland and State of Pennsylvania, bounded and described as
follows, to wit:
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BBGINNING at a point on the Bastern line of said George Street marked
by a Monument corner of lands of the United States of America; thence
in a Northerly direction_,along the Bastern line of said George Street
sixty-three and five-tenths (63.5) feet to a point at the corner of
Lot No. 11 on the hereinafter mentioned Plan of Lots; thence in an ,
Basterly direction along line of said Lot No. 11, three hundred ten
(310) feet, more or less, to an iron pin at corner of lands nor or
formerly, of May Sultzaberger and others; thence in a Westerly
direction along lands of the United States of America, three hundred
fourteen and forty-six one-hundredths (314.46) feet to a point on the
Eastern line of said George Street and at the place of BEGINNING.
BBING Lot numbered 12 on a plan of Lots known as Green Acres, which
Plan is record~d in the Recor_der's Office in and for said Cumberland
County, in Plan Book 4, at Page 4.
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VERIFICATION
I, Leon P. Haller, Esquire, hereby swear and affirm that the
facts
contained
in
the
foregoing
COMPLAINT
for
Mortgage
Foreclosure are true and correct to the best of my knowledge,
information, and belief based upon information provided by
Plaintiff, BANKONE, NATIONAL ASSOCIATION, TRUSTEE said facts
contained herein are made subject to the penalties of 18 Pa.C.S.
Section 4904 relating to unsworn falsification to authorities.
Date: December 13, 2000
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Leon P. Haller, Esquire
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SHERIFF'S RETURN - REGULAR
CASE NO: 2000-08687 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
BANKONE NATIONAL ASSOCIATION
VS
KRICK CRICKET M ET AL
DAVID MCKINNEY
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
KRICK HARRY D JR
the
DEFENDANT
, at 0925:00 HOURS, on the 21st day of December, 2000
at 115 S GEORGE ST
MECHANICSBURG, PA 17055
by handing to
CRICKET KRICK, ADULT IN CHARGE
a true and attested copy of COMPLAINT - MORT FORE
together with
NOTICE
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
18.00
5.58
.00
10.00
.00
33.58
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R. Thomas Kline
12/26/2000
PURCELL KRUG & HALLER
Sworn and Subscribed to before
By:
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Deputy She'bff
me this .5 ""^- day of
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P 0 honotary -
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SHERIFF'S RETURN - REGULAR
CASE NO: 2000-08687 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
BANKONE NATIONAL ASSOCIATION
VS
KRICK CRICKET M ET AL
DAVID MCKINNEY
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
KRICK CRICKET M the
DEFENDANT , at 0925:00 HOURS, on the 21st day of December, 2000
at 115 SOUTH GEORGE ST
MECHANICSBURG, PA 17055
by handing to
CRICKET KRICK
a true and attested copy of COMPLAINT - MORT FORE
together with
NOTI CE
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
6.00
.00
.00
10.00
.00
16.00
So Answers:
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R. Thomas Kline
12/26/2000
PURCELL KRUG & HALLER
Sworn and Subscribed to before
By:
8~/l~J ~';f~
Deputy Sherlff
me this 3~ day of
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rothonotary I
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,
BANKONE, NATIONAL ASSOCIATION,
TRUSTEE
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
"
PLAINTIFF
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VS.
NO. 00-8687 Civil Term
CRICKET M. KRICK AND
HARRY O. KRICK, JR.
DEFENDANT
CIVIL ACTION - LAW
IN MORTGAGE FORECLOSURE
P RAE C I P E
TO THE PROTHONOTARY:
Kindly Settle and Discontinue the above matter of record.
PURCELL, KRUG & HALLER
By:
Leon P. Haller ID #15700
Attorney for Plaintiff
Purcell, Krug & Haller
1719 North Front Street
Harrisburg, PA 17102
(717) 234-4178
DATE: Februarv 6. 2001
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