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Home My WebLink About01-2537 FX ~~'t~'j,~~- MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 ATTORNEY FOR PLAINTIFF EMC Mortgage Corporation 909 Hidden Ridge Drive Suite 200 Irving, TX 75038 Plaintiff . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County v. Mildred L. Neidigh P.O. Box 440 Shippensburg, PA 17257 Defendant(s) : NO. DI- ~SJ7 c,u~l ~~ COMPLAINT IN MORTGAGE FORECLOSURE 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. LAWYERS REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3166 or 800-990-9108 'I 1 II!"" ~ , -'=~ -~~,~ -'. ~!W!j:'; r;.;/t'{JSi>~" AVISO Le han demandado a usted en la corte. si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta ascentar una comparencia escrita 0 en persona 0 con un abogado y entregar a la corte en forma escrita sus defensas 0 sus objeciones alas demandas en contra de su persona. Sea avisado que si usted no se dafiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso 0 notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero 0 sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEKANDA A UN ABOGADO IMMEDIAT.l\MENTE,SI NO TIENE ABOGADO o SI NO TIENE EL DINERO SUFICIENTE DE PAGAR~TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, P A 17013-3387 717-249-3166 or 800-990-9108 "" -,",,"~ 1'1 P' ~~~ ~~~_., ~ ~l!'\'l,,"~- ~;;:;';t25 NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document that the validity of the stated' debt, or any portion of it, is disputed, we will assume that the debt is vallid. If you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is required and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt, and any information obtained will be used for that purpose. LAW OFFICES OF MARK J. UDREN Isl Mark J. Udren, Esquire 1040 N. Kings Highway, Suite 500 Cherry Hill, NJ 08034 (856) 482-6900 'lf~""r , , .~, - . rT j1 ~ " ~,~-- 1. plaintiff is the Corporation designated as such in the caption on a preceding page. If Plaintiff is an assignee then it is such by virtue of the following recorded assignments: Assignor: Assignee: Recording United Companies Lending Corporation Bankers Trust Company of America of California, NA Dace: 10/21/97 Book: 560 Page: 27 2. Defendant(s) is the individual designated as such on the caption on a preceding page, whose last known address is as set forth in the caption, and unless designated otherwise, is the real owner(s) and mortgagor(s) of the premises being foreclosed. 3. On or about the date appearing on the Mortgage hereinafter described, at the instance and request of Defendant(s), Plaintiff (or its predecessor, hereinafter called Plaintiff) loaned to the Defendant (s) the sum appearing on said Mortgage, which Mortgage was executed and delivered to Plaintiff as security for the indebtedness. Said Mortgage is incorporated herein by reference in accordance with PA.R.C.P. 1019 (g). The information regarding the Mortgage being foreclosed is as follows: MORTGAGED PREMISES: 288 Meadows Road MUNICIPALITY/TOWNSHIP/BOROUGH: Lower Mifflin Township COUNTY: Cumberland DATE EXECUTED: 4/19/96 DATE RECORDED: 4/25/96 BOOK: 1315 PAGE: 1101 The legal description of the mortgaged premises is attached hereto and made parChereof. 4. Said Mortgage is in default because the required payments have not been made as set forth below, and by its terms, upon breach and failure to cure said breach after notice, all sums secured by said Mortgage, together with other charges authorized by said Mortgage itemized below, shall be immediately due. ~'"F':~-"',_.~~,w~~~,~_, ~". ",.. --~"" <--!~I -, - ~. ~j.~ '. ~~-_D,>(:' ~~ -'., Ii&i~j"~i+ik 5. After demand, the Defendant (s) . continues to fail or refuses to comply with the terms of the Note as follows: (a) by failing or refusing to pay the installments of principal and interest when due in the amounts indicated below; (b) by failing or refusing to pay other charges, if any, indicated below. . 6. The following amounts are due on the said Mortgage as of 3/14/01: Principal of debt due and unpaid Interest at 12.65% from 4/1/00 to 3/14/01 (the per diem interest accruing on this debt is $16.71 and that sum should be added each day after 3/14/01) $48,215.70 5,808.20 Title Report 250.00 Court Costs (anticipated, excluding Sheriff's Sale costs) 280.00 Escrow Overdraft/(Balance) (The monthly escrow on this account is $61.09 and that sum should be added on the first of each month after 3/14/01) 303.71 Late Charges (monthly late charge of $5.00 should be added on the fifteenth of each month after 3/14/01) 15.00 Suspense Balance Recoverable Balance (423.12) 501. 00 Attorneys Fees (anticipated and actual to 5% of principal) 2.410.79 TOTAL $57,361.28 7. The attorney's fee set forth above are in conformity with the mortgage documents and Pennsylvania law, and will be collected ~~,^,!...,.",-, ,tiJi . ^~.,",~" . I" I'" - ,... .,..--""","" p:.f:'{iS,,'i 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 in accordance with the reduction provisions of Act 6, if applicable. 8. The combined notice specified by the Pennsylvania Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983 and Notice of Intention to Foreclose under Act 6 of 1974 has been sent to each defendant, via certified and regular mail, in accordance with the requirements of those acts, on the date appearing on the copy attached hereto as Exhibit "A", and made part hereof, and defendant(s) have failed to proceed within the time limits, or have been determined ineligible, or Plaintiff has not been notified in a timely manner of Defendant(s) eligibility. WHEREFORE, the Plaintiff demands judgment, in rem, against the Defendant(s) herein in the sum of $57,361.28 plus interest, costs and attorneys fees as more fully set forth in the Complaint, . and for foreclosure and sale of the Mortgaged premises. Mark J. Udren, ESQUIRE MARK J.! UDREN & ASSOCIATES Attorney for Plaintiff Attorney I.D. No. 04302 ~:'t!< .- -""""~ .j.-. -,- -- I -II I ~.." r~. ~_,~~="",r ~?;:@;t~ ~ ALL THAT CERTAIN PIECE OF LAND SITUATE IN LOWER MIFFLIN TOWNSHIP, COUNTY OF CUMBERLAND AND STATE OF PENNSYLVANIA, BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT: . BEGINNING AT A POINT IN THE CENTER LINE OF TOWNSHIP ROAD T-418, ON THE LINE OF LAND NOW OR FORMERLY OF WILLIAM C. KOSTENBAUDER;. THENCE ALONG THE CENTER LINE OF SAID TOWNSHIP ROAD, SOUTH. 11 .DEGREES 11 MINUTES 47 SECONDS EAST, A DISTANCE OF 133.28 FEET TO A SPiKE; THENCE ALONG THE SAME, SOUTH 11 DEGREES 27 MINUTES 17 SECONDS EAST, A DISTANCE OF 46.82 FEET TO A SPIKE; THENCE. ALONG LAND NOW OR FORMERLY OF RAYMOND M. PETERSON, ET UX, SOUTH 54 DEGREES 33 MINUTES 45 SECONDS WEST, A DISTANCE OF 185.78 FEET TO A POINT; THENCE ALONG OTHER LANDS NOW OR FORMERLY OF RAYMOND M. PETERSON, ET UX, NORTH 40 DEGREES 31 MINUTES 39 SECONDS.WEST, A DISTANCE OF 147.73 FEET TO A POINT; THENCE ALONG THE LAND NOW OR FORMERLY OF WILLIAM C. KOSTENBAUDER, NORTH 50 DEGREES 57 MINUTES 45 SECONDS EAST, A DISTANCE OF 273.18 FEET TO THE CENTER LINE OF TOWNSHIP ROAD T-418, THE PLACE OF BEGINNING. CONTAINING 0.8131 ACRES. , ML"h., ,,- , ,~ ~ - I-I'll ~~- ~ "T , ""'"">; "",;,:t<,:;~j'; March 14, 2001 DATE: ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE '" This is an official notice that the mortgagl! on your home is in default, and the lender intends to foreclose. Specific information about the nature ohhe default is provided in the attached pages. The HOMEOWNRR'S MORTGAGE ASSISTANCE PROGRAM (JIEMAP) may he able to help to save your home. This Notice explains how the program works. , To see ifHEMAP can help, you must MEET WITH A CONSTJMER CREDIT COIJNSRI,TNG AGENCY wITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling AgI!ncy. The name, address and phone number of Consumer Credit Counseling Agencies servi.ng your County are listed at the end ohhis Notice. If you have any questions, you may call the Pennsylv.mia Housing Finance Agency toll free at 1-800-342-2397. (persons with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help YOII find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VlVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENDO DE ESTA NOTIFICACION 08TENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (pENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADiO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. Page 10f6 EX~1IBIT A MJll'1'~~~,,,,,,,,,,, -1lI!i!- ~ "~.~."'''''I~'' .,. '~r"'.F1"'~ I 1 I" .~ -'~..~'"~". .. I, r ,_~, ~llWF 1f;i-<ti-t2~&~ HOMEOWNER'S NAME(S): MTT .nRRn I. NRIDIGH PROPERTY ADDRESS: 2SS MRA.nOWS ROA.n NRWVn.I.R, PA. 17241 LOAN ACCT. NO.: ORIGINAL LENDER: CURRENT LENDER: 5625025 IJNITRn C:OMPA.NIF.S I.RNDING C:ORPORA.TION RMC: MORTGA.GR C:ORPORA.TION HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAYBE EUGIBI,E FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOTJR HOME FROM FORECLOSURE AND HEI,PYOUMAKE FUTTJRE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOUMAYBEELIGffiLE FOR EMERGENCY MORTGAGE ASSISTANCE: . IF YOUR DEFAULT HAS BEEN CAUSED BY CmCUMSTANCES BEYOND YOUR CONTROL, . . IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND. . IF YOU MEET OTHER ELIGffiILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY ST A Y OF FORF.CLOSIJRE - 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-tocface" meeting withone of the consumer credit counseling , agencies listed at the end of this Notice. THIS MEETTNG MUST OCCIJR WITHTN THE NEXT (.~O) DAYS. IF YOl J DO NOT APPI Y FOR EMERGENCY MORTGAGE ASS[ST ANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE THE PART OF THIS NOTICE CAT .LED "HOW TO CURE YOUR MORTGAGE DEF AUI-T", EXPI.AINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COIJNSELTNG AGENCIES -- If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPUCATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency MortgageAssistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face- to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS' LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. Page 2 of6 ~r.l,li; "~,~" 'r",!" 11 - ~~ 'f - -;~\"i'~.t" AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that 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 the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE I!Il FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have ffied bankruptcy you can still apply for Emergeney Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it lip to date). NATIJRE OF THE DEFAm,T - The MORTGAGE debt held by the above lender on your property located at: 288 Meadows Road Newville, PA 17241 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: .. Monthly payments of S736.90 for May 2000 through March 2001 = $8,1 OS.90 Monthly late charge of SS.OO for May 2000 through Febmary 2001 = $lS.00 Other charges (explain/itemize): 'Escrow advance = $303.71 SUllpense balance = $(-423.P) TOTAL AMOUNT PAST DUE: S8,001.49 B. YOU HAVE FAILED TO TAKE THE 'fOLLOWING ACTION (Do not use if not applicahle): N/A , HOW TO ClJRE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WInCH IS $ 8,001.49 , PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WInCH BECOME DUE DURING THE TIIIRTY (30) DAY PERIOD. Payments. mus.t he mAnp. either hy ca,''lh, cas.hip.r's. r.hpr.1r ('"~rtified check or money orner made payahle and s.ent to. Mark .T. Udren & Associates 1040 N. Kings Higbway, Suite SOO Cherry Hill, N.T 08034 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Do not use ;fnot applicahle) N/A IF YOU DO NOT ClJRR TIm DRF Am .T -- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its righb to accelerate the mortgage deht. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. Page 3 of6 ~_,"I"'" ="1l:ll'I!1li II' I - _.,__,!f'''- IE.THE MORTGAGE IS FORECI,OSED UPON - The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the lender refers your caSe to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, iflegal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you Cure the default within the THIRTY (.lQ) DA Y pe~od, 1011 will not be reqJ.ired to pay attornllY's fees. OTHER I.ENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the. mortgage. If your debt has been discharged in bankruptcy without your having reaffirmed it, then lender cannot pursue this remedy. RIGHT TO CURE THF. DEF AlJI,T PRIOR TO SHERIFF'S SAI.E - If you have not cured the default within the TIIIRTY (30) OA Y period and foreclosure proceedings have begun, yon .till have the right to cnre the default anll prevent th", ..ue at any time np to one hour hefore the Sheriff'. Sale Yon may do so by paying the total amonnt then past line, plu. any late or other char",. then due:, reasonahle attorney'. fees and co.ts connected with the foreclosnre .a1e and any other co.ts connected with the Sheriff'. Sale a. "Pecified in writing by the lender anllliy perfonning any other reqnirement. nnder the mortgl\g{:. Curing your default in the manner set forth in this notice will restore your mortgage to the sam~po.sition as if you had never defaulted. F.ART.lF.ST POSSffiT.1<' SHERIFF'S SAI.E DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately 6 months from the date of this Notice. A notice of the actual date of the Sheriff's 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 or action will be by contacting the lender. HOW TO CONTACT THE 1.F.NDER: Name ofI,ender/Servicer: Address: EMC Mortgage Corporation 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 800/723-3004 N/A Clldnmer Service Phone Nmnher: Fax Numher: Contact pp.r~on: EFFECT OF SHERIFF'S SAI.E You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You _ may or-X- may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. Page 4 of6 '.1 _, C'" ~'. ~"~ IT -= .. l' " ",,':i+^} " ..~~ ~;"f~s?! NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. tTnless you notify us within 30 days after receipt of this Notice and the attached document that the validity ofthe stated debt, or any portion ofit, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part.- Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the . ' current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection of your debt, or any disputed portioil of it, until we obtain the, information that is required , and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt, and any information obtained will be used for that purpose. LAW OFFICES OF MARK J. UDREN /s/ Mark J. Udren, Esquire 1040 N. Kings Highway, Suite 500 Cherry Hill, NJ 08034 (856) 482-6900 Page 5 of6 ..~fll!>_"" II ~ ~" 4,~ ~==-'''''__ oo. _"~~,~'~c1' YOU MAY AI,sO HAVE THF. RIGHT: . TO SELL THEPROPER1Y TO OBTAIN MONEY TO PAY OFF TIffi MORTGAGE DEBT OR TO BORROWMONEYFROMANOTIIERLENDlNG lNSTI1UTIONTO PAY OFF TIllS DEBT. . TO HAVE TIllS DEFAULT CURED BY ANY THIRD PAR1Y ACTlNG ON YOUR BEHALF. TO HAVE TIffi MORTGAGE RESTORED TO TIffi SAME POSiTION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE TIffi DEFAULT. (HOWEVER, YOU DO NOT HAVE TIllS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) . . TO ASS~T TIffi NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDlNG OR ANY OTIIER LAWSUIT lNSTlTUTED UNDER TIffi MORTGAGE DOCUMENTS, TO ASSERT ANY OTIIER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY TIffi LENDER. . . TO SEEK PROTECTION UNDER TIffi FEDERAL BANKRUPTCY LAW. CONSUMli'.R CREDIT COIJNSEI.ING AGENCIES SERVING yi)Jm COUNTY (Fill in a li.t of 011 Coun..eling 4genciesli.ted in Appendix C, FOR THE COUNTY in which the prnpertJ' i. located, using additional page.. if neces..aQl) CIJMRRRI.A.ND COUNTY , CCCS of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, PA 17102 (717) 541-1757 FAX (717) 541-4670 Community Action Comm of the Capital Region 1514 Derry Street Harrisburg, PA 17104 (717) 232-9757 FAX (717) 234-2227 Financial Counseling Services of Franklin 31 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 Adams County Housing Authority 139-143 Carlisle SI. Gettysburg, P A 17325 (717) 334-1518 FAX (717) 334-8326 Urban League of Metropolitan Harrisburg N. 6th Street Harrisburg, PA 17101 (717) 234-5925 FAX (717) 234-9459 YWCA of Carlisle 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX (717) 731-9589 Page 6 of6 ~"W.^ 111- \''' I .~- ~ ~~ ~ _.. iiIii"';:' ~ 1 ,..",1 .. . "C.' . .', ," . ,',....' ~~~ o . . 51' J'. ~ " ~ " Ii o '.. "", ". ,...,::....:' 'oo., " " \. 1: ~ ~" ~ - *'" *'" u...!g 1.I...r;: .....:::> ,...::> '2-~ il\~' ga.:- oi.... a:~ Co: E. ,,~ ~~ ~~ "Q ~" ;fi O:@ \. .. "\ ., ~~ , "),,' -,',,, '\;- \ :....'... . N'~1 .:~':::.,-~:. ,,-,,' " ~~' 'L :.::' ;;1;.:. ,~ _.- .,':::).... l } 'X",,'. (>.: : J:~:/ r'I ru CJ rn CJ CJ ...a CJ CJ CJ CJ I'- <J) w !;;:>- '<l" o~ g a>asx 0 w(J)CJo~ u<J:oz ii:oOCI)t:l.J "-Z<9f-d Owz-J: 3:0:::;::115>- ~~Z .~ .0 tJ.! -:>.... ~ ~o ...... o:~ u <. :a ~" ' .' '" l ,.. ! ! ~ . 1 ,. .' ! I I ~ I t I !.,. ,.... '.;" I , i , ,. ., f ~. ! L ,\..... ,'".~,. 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CD c: EEE= 0 8Jgjt~<o . . . - ~~.~ ''0 ,A-: '.,;:) Z....-I. -;z i3. u:: ~~. - Ja~~_~ I L- ~ .~ ~-cj~~ ~ .--' I ~ ~ ,.~ ,;~ .:;~::~,.~..,';{} - ...:':, '~', :,y:' ':.-.,. . \~~ . i \\l~ ~ 'k ~'2 ~ d> . u:: t= 9' ct::-' _ ~ ~~.~ lS ~ a.dJ-o c:s.;:! w:Sffi ~ 1:lC<Il to:! ~O~l S ~'" ~ -g~8. j; ~~.~ ~ CIlt'le; :::; ft~ ~ 7.%-". .-' ~ r i. .,.',,'" r', ~. . 1 , , ~ ~ , , , [ f ~ . . I ~ , " , i ! ~ I. I i ~, ~I ' ~ '. , ! i " i i i ! i." ~'. '~\:' ~ (. ~ , 1- , , 1 ~' ! ! ! ! , ! t , , l, ':~,;<~, ,,;.:,.... --~ .~-........,.....~- ~*!;~'i~j V E RTF I CAT ION Mark J. Udren, Esquire, hereby states that he is the attorney for the Plaintiff, a corporation unless designated otherwise; that he is authorized to take this Verification and does so because of the exigencies regarding this matter, and because Plaintiff must verify much of the information through agents, and because he has personal knowledge of some of the facts averred in the foregoing pleading; and that the statements made in the foregoing pleading are true and correct to the best of his knowledge, information and belief and the soul;'ce, of ;his.,. 'infbrmation is public records and . reports of Plaintiff'$ agents. The undersigned understands that this statement herein. is. made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. 1YJ " Mark J. Udren, ESQUIRE MARK J. UDREN & ASSOCIATES :w:~,~".~"",,~,'l1. , n ,,~ ., - - 'it~l1~!,r;'~ 7i~ ~ - -'~.~ ii h € B 0 ~ I 9 CJ r~ :f;t t IN Ct) --..:...., <~Ili!iIlWl!l'i"'" 'II'I<!"'''!li~!l 0,_ 1!i!il:1il-~JI!i!lr@;:'I1Oi~V'"fOi'l"j~'''''i!%1~~f_~~Iim''''1)'W'l)Il'!f:;-''j.:Wt."''~'I1'''i''l"_''''''-'''' ,,-~~ =.. 0 0 0 c; ~H <"" "'" ~ ""'tJrJ: -u rn;.,' :OJ ~~~' r.....) C , - r:: CJ , ~,--. ....' ;?~ :z; (.5 ::r. ~C: ~ C:5ill ;-.?- ~_.-j -:I ::n j'i -.. ,::; -< ~~ '''i'_-':"-' ;"-"+,,-,,,,,,,,,_<,,,,",,,,.,,,,,,':~_"':m,.f)~'!','-. -, :"-""';\':""''''F,F'll~:!l'i'!'!R''fie;ilf'':~ "~-,,~ . B~€;:.;'~} SHERIFF'S RETURN - REGULAR CASE NO: 2001-02537 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND EMC MORTGAGE CORPORATION VS NEIDIGH MILDRED L BRIAN BARRICK , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon NEIDIGH MILDRED L the DEFENDANT at 0014:58 HOURS, on the 15th day of May 2001 at 45 1/2 SEARL ST APT 5 SHIPPENSBURG, PA 17257 by handing to MILDRED L. NEIDIGH 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 12.40 .00 10.00 .00 40.40 ~~ ~~t:~~~ R. Thomas Klin Sworn and Subscribed to before '51"1"" ~ MARK J. UDR~ By: .!11. Deputy Sheriff me this ..23~ day of ~ ..., kA -'--' {I ft-tA'& -<--0 I~ ~rothonotary '~1' A.D. ~!l!'l&_""" In -.-~,,-''''- .. MARK J. UDREN &: ASSOCIATES BY: Mark J. Udren, 2squire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 EMC Mortgage Corporation 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 Plaintiff v. Mildred L. Neidigh P.O. Box 440 Shippensburg, PA 17~57 Defendant(s) ~~'~t.:r{Z:Q ATTORNEY FOR PLAINTIFF . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE . - NO. 01-2537 PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of the Plaintiff and against the Defendant (s) for failure to file an Answer to Plaintiff I s Complaint within 20 days from service thereof and for foreclosure. and sale of the mortgaged premises, and assess Plaintiff's damages as follows: ~ As set forth in Complaint Interest Per Complaint From 3/15/01 to 8/27/01 Late charges per Complaint From 3/15/01 to 8/27/01 Escrow payment per Complaint From 3/15/01 to 8/27/01 -1 hereby certify that (1) Defendant areas shown above, an accordance with Rule 237.1, a co DAMAGES ARE HEREBY ASSESSED AS q- j-- 01 DATE: " .. < " 'I-I.' $57,361. 28 2,773.86 30.00 305 45 TOTAL $60.470.59 the addresses of the Plaintiff and (2) that notice has been given in o which is attached hereto. Ma k J. U ren, ESQUIRE Att rney for Plaintiff ,f~ ~ PRO PROTHY ~ -"""~.~- ,-,=~ .... MARK J. UDREN & ASSOCXATES BY: Mark J. Udren, Esquire ATTY X.D. NO. 04302 1040 N. KXNGS RXGUWAY, SUXTE 500 CHERRY HXLL, NJ 08034 856-482-6900 EMC Mortgage Corporation 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 Plaintiff ATTORNEY FOR PLAXNTXFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County v. Mildred L. Neidigh 45~ S. Earl Street, Apt. 5 Shippensburg, PA 17257 Defendant(s) NO. 01-2537 July 31, 2001 Mildred L. Neidigh 45~S, Earl Street, Apt 5 Shippensburg, PA 17257 XMPORTANT NOTXCE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO 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 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. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3166 or 800-990-9108 NOTIFICACION IMPORTANTE DATED: TO: USTED SE ENCUENTRA EN ESTADO DE REBELDIA POR NO HABER TOMADO LA ACCION REQUIRIDA DE SU PARTE EN ESTE CASO. AL NO TOMAR LA ACCION DEB IDA DENTRO DE UN TERMINO DE DIEZ (10) DIAS DE ESTA NOTIFlCACION, EL TRIBUNAL PODRA, SIN NECESIDAD DE COMPARARECER USTED EN CORTE 0 ESCUCHAR PREUBA ALGUNA, DICTAR SENTENCIA EN SU CONTRA, USTED PUEDE PERDER BIENES Y OTROS DERECHOS, IMPORTANTES. DEBE LLEVAR ESTA NOTIFlCACION A UN ABOGADO IMMEDIATAMENTE SI USTED NO TIENE ABOGADO, o SI NO TIENE DINERO SUFICIENTE PARA TAL SERVICIO, VAYA EN PERSONA o LLAME POR TELEFONO A LA OFICINA, CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASSISTENCIA LEGAL. SERVICIO DE REFERENCIA LEGAL LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3166 or 800-990-9108 NOTICE: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, THIS LAW FIRM IS DEEMEtl TO BE A DEBT COLLECTOR AND THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. >1.,_ k. ," . ,~, o~, '. , P"'I,j I]" , r _?fSJ,~~ ~.. . _,,,"_f ~~Jt~# .,,~~w,,!!,< 7lJ!l ." ,~" 0_"" "-'- ~'~'> .~" .,,'k ,," bW'''"''C' ",,,,. T".h"","~. : IIDi TT ..Y~r r::::( )0' .- 2 [ ':,.") ~- '-j .J :::-' "-...1 ~__-"__ ~,~~,~_~~ ~~~"",." ~~'1.~E~'\!W'r.:'t-!\'ij!,'f;r"W.:"V:;or;;;<""N:\.'9""'P'!'l'll\ii!rM!:l~~i!l~lli'W'"",,,,!:!;~Wfl~!l!~",-;r~~~'U l( ""_ ~ MARK J. UDREN << ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 ATTORNEY FOR PLAINTIFF EMC Mortgage Corporation 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 Plaintiff g COURT OF COMMON PLEAS i CIVIL DIVISION iCumberland County I MORTGAGE FORECLOSURE I NO. OHm v. Mildred L.Neidigh P.O. Box 440 Shippensburg, PA 17257 Defendant(s) COUNTY OF AFFIDAVIT OF NON-MILITARY .~~ CluncLu/L SERVICE STATE OF SS THE UNDERSIGNED being duly sworn, deposes and says that the averments herein. are based upon investigations made.. and recOl;cis maintained by us either as Plaintiff or as servicing agent of the Plaintiff herein and that the above Defendant(s) are not in the Military or Naval Service of the United States of America or its Allies as defined in the Soldiers and Sailors Civil Relief Act o.f 1940, as amended, and that the age and last known residence and employment of each Defendant are as follows: _ Defendant :- Age: Residence: Employment: Defendant: Age: Residence: Employment: Mildred L. Neidigh Ovex 18 _ As captioned above Unknown Over 18 As captioned UnknoWn - () \ ~J~ . Of ~~~r/' . ~ u~n~ $~O~ JANliOV.a ~~ ~&~~)tij;m " " ~ ,~ ,-' ~" ,'~> .""h .'~'~._";;4';>f.i'C,"._)"~"t,,, ~, "ri(m"u-'fi~":)'~jt[fli*to~'i1tlJj''-'mtt;~:~n:,";;-O~'ii)'qiii~4 . . I,'; ,. ~qijl!l~i!lI!l"~_"""'~~,"""'_~_ . ""~~f'>""!"""7 "l~!J;;]~ffi!'lIW'5'irn!;~~...,; ,~~=~,~~~t':W~''''''i''J'';''1!'l'!o'''''"::J,r.'-''''I7;'' ""':H"'"'-:El'j.~~\ilI'l\l:_~~W1"'S1""Hl~lI'~'!!~1'!IWlil$l~!_~ 1It;~'"'' MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 ATTORNEY FOR PLAINTIFF EMC Mortgage Corporation 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 Plaintiff . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE v. Mildred L. Neidigh P.O. Box 440 Shippensburg, PA 17257 Defendant(s) . NO. 01-2537 TO: Mildred L. Neidigh 45 M S. Earl Street, Apt. 5 Shippensburg, PA 17257 NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below. Prothonotary -X- Judgment by Default Money Judgment Judgment in Replevin Judgment for Possession Judgment on Award of Arbitration Judgment on Verdict Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE PLEASE CALL: ATTORNEY Mark J. Udren. Esquire At this telephone number: 856-482-6900 ~,,~",~,' l~ p Cl .. ~ r ~ ~__>'9IiW ~~t{.&~-. ~W'" ,__,,," "0,,",,""-"-," .'>'11[' BOllIn. Ji ------, co c:.:- C ..~ ~. ~ \'J) '.,...".., ,-q /i:;,. ~) ~ d2r_';< '~"'J '<.. ~- ..' r :ZL I ~ C) L .- ) ~ c--:: j=.. .~-~ " ~(:: {;' 0\) C>) ~d S; ~..~ C. '-' ~ ?J ~:~ '-....."....~ :::::j =, :0 ~ -< (,il -< '0 ~ t ~ -. -....\\ . J :'t (- r , ~ ~ l'\ U\ 1'-' l)~ ~ I 1i. . 1j !i I. :! f ~ "'\-'- -S\ \ '9 \ \:3 -- -. SJ'\ f' ~ ,~.,'"~,~~, !!'il!lf1l\!fl!1l1~1,,,,,, J ~_II~~~":(!;!fll~'I'MI",~1l!t~~~!ffllfiJffi!.l~j)i~Vdl'."'~":~'W''''F'',",'i''''4~'!1;;o,-,,";~"""_""'i':'Wp-'W-<<!;;Jf)'!"!!fj'jiQ'~"!"~1l-""~W,!%'!'-i-!)!"f'~r,~"li'fl~~~1!1ii~~~1!$! lw.!c~\1i\'j' 'f MARK J. UDREN & ASSOCIATES BY: Ma~k J. Udren, Esqui~e ATTY I.n. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482~6900 ATTORNEY FOR PLAINTIFF EMC Mortgage Corporation 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 Plaintiff . . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE v. Mildred L. Neidigh P.O. Box 440 Shippensburg, PA 17257 Defendant(s) . NO. 01-2537 PRAECIPE FOR WRIT OF EXECUTION TO THE SHERIFF: Issue Writ of Execution in the above matter: Amount due $60,470 59'; Interest From August 28. 2001 to Date of Sale December 5. 2001 Per diem @$16.71 J .671. 00 (Costs to be added) $ M rk J. Udren, ESQUIRE A ORNEY FOR PLAINTIFF ,.,.,..., ~ _ .-"'C"" c-,' :~'I I . I ~ . """ 'R~-'fk~ -,~""QIW!'i~~MW!!!In,MF.$:r:rl -" ,,- ",:_,t'" - ~--. >- '._'-~';';--'Z->;';"'~'?i";;,,0i:"""""""Yr ;,;",,,-,,~,:.N~.l'Yf't:W"'fi~l't"'n~.t'-r_M'TJ"-'T' Aril]t1it ~~ ~j~t~ / C!~, '.<". <1.-- -::7:;-,,(: z::"": C. '~ ~;Jl 1 C.:" '::.0 !7j -J <....: ~~"'''''''l''':~~_.-,.,=,.."!l!J!'ml~~!!!i!;ffl'~,,,"f''''''_''''':'\''''[f>--,-t-"..'c>'" 9' 'v'" "",~;-,":-->''';~'''':Iif1'P''''''~''''''''''''''''<'''"B''["c-t!\"ilJIiW''%':I'''W;:l~'d'''1iifJ'''~1\1j''RW;-!",i!Wi'Iill\l1!l>WII'~i!l!l!i ;, .~ ~ ALL THAT CERTAIN PIECE OF LAND SITUATE IN LOWER MIFFLIN TOWNSHIP, COUNTY OF CUMBERLAND AND STATE OF PENNSYLVANIA, BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT: BEGINNING AT A POINT IN THE CENTER LINE OF. TOWNSBIP ROAD 1'-418, ON THE LINE OF.LAND NOW OR FORMERLY OF WILLIAM C. KOSTENBAUDER; THENCE ALONG THE CENTER LINE OF SAID TOWNSHIP ROAD, SOUTH. 11 DEGREES 11 MINUTES .47 SECONDS EAST, A DISTANCE .OF 133.28 FEET TO A SPIKE; THENCE ALONG THE SAME, SOUTH 11 DEGREES 27 MINUTES 17 SECONDS . ,EAST, A DISTANCE OF ;'6.82 FEET TO A SPIKE; TBENCE.ALONG LAND NOW OR FORMERLY OF RAYMOND M. PETERSON, ET UX, SOUTH. 54 DEGREES 33 MINUTES 45 SECONDS WEST, A DISTANCE OF 185.78 FEET TO A POINT, THENCE ALONG OTHER LANDS NOW OR FORMERLY OF RAYMOND M. PETERSON, ET UX, NORTH 40 DEGREES 31 MINUTES 39 SECONDS WEST, A DISTANCE OF 147.73 FEET TO A POINT; THENCE ALONG THE LAND NOW OR FORMERLY OF WILLIAM C. KOSTENBAUDER, NORTH 50 DEGREES 57 MINUTES 45 SECONDS EAST, A DISTANCE OF 273.18 FEET TO THE " CENTERLINE OF TOWNSHIP ROAD. 1'-418, THE PLACE OF BEGINNING. CONTAINING 0.8131 ACRES. BEING KNOWN AWS 288 MILDRED ROAD, NEWVILLE, PA 17241 PROPERTY ID NO.: 15-04-0393-052 TITLE OF. SAID PREMISES IS VESTED IN MILDRED L. NEIDIGH, SINGLE j ADULT INDIVIDUAL BY DEED FROM WILLIAM J. WEAVER AND ELIZABETH D. WEAVER, HUSBAND AND WIFE. DATED 08/12/1993, RECORDED 08/12/1993, IN DEED BOOK L 36, PAGE 707. !i i: , , ,;;:~~ -~"- ,. = ". -'.^ , " , !j ..,~- ~ ~^ - "~ - ~ . ... "--,<~,".-" -" ----- ~-,-"-~-- .,~ ~~ ~ --- "0_ '-- 9-:' -\t- (t ~t' ~ i: ~ 0--.1:\ - \. . ~ ~--"~, MJ ~ cl .........y 0- \ o ~ ?i~T~ ~-2:1 en" ~( );" ..... 'll, {":""" ..~ ;~_n ry;\ --u I (;--, r:.' ::) ~ __.1 ...."""TI~"~~~.IIlI_~'~~"'-W!<',["~.,.".''*''~~W~_1!l~!\<''''..,W~'''.A'"'''''''''~l'"'~',,'-""\!,!,",Y'1TtP"'-- '^'--"~";~'!{'. ~~fl:m;!;]".-l!l~;~'mjlffi".'ffIW1i$'';,'<<'i,,"B<t-:'~'"''''''G'~'''''''IW''''' ~~ ,,,,.~M1I~f!\Ii"! MARK J. UDREN << ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 EMC Mortgage Corporation 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 Plaintiff ATTORNEY FOR PLAINTIFF . . COIJRT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSIJRE v. Mildred L. Neidigh P.O. Box 440 Shippensburg, PA 17257 Defendant(s) . NO. 01-2537 WRIT OF EXECUTION TO THE SHERIFF OF Cumberland COUNTY: To satisfy the judgment, interest and costs in the above matter, you are directed to levy upon and sell the following described property: 288 Meadows Road Newville, PA 17241 SEE LEGAL DESCRIPTION ATTACHED Amount due $60.470.59 Interest From August ?8. 2001 to Date of Sale December S. 2001 Per diem @$16.71 1. 671 00 (Costs to be added) $ Prothonotary By Clerk Date ,.- --~ --""'"'" -~ COURT OF COMMON PLEAS NO. 01-2537 ===========================~========= EMC Mortgage Corporation VS. Mildred L. Neidigh ======~====================~========= WRIT OF EXECUTION ======~====================~========= REAL DEBT $ 60.470.59 INTEREST $ from August 28. 2001 Date of Sale December Per diem @$16.71 1.67] .00 to 5. 2001 COSTS PAID: PROTHY $ SHERIFF $ STATUTORY $ COSTS DUE PROTHY. $ TO BE SOLD: s Road A 17241 Mar J. Udren, ESQUIRE MAR J. UDREN & ASSOCIATES 1040 NORTH KINGS HIGHWAY SUITE 500 CHERRY HILL, NJ 08034 (856) 482-6900 "_~>,, '~.~~"',",l!-'''~1~.m;ri!'.~~l!I~~11I'''',"I~''''?J".'.:'r'i''---';'' "r ."',','_'1"" .- - -- , ;""!"?^"'~W""l~'TI?;"N'F,:r)j];!i';'lW'W""~'"'''',''l;j(''r~",,,'lR1:~).~~ MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO.04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 ATTORNEY FOR PLAINTIFF EMC Mortgage Corporation 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 COURT OF COMMON PLEAS CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE Plaintiff v. . . NO. 01-2537 Mildred L. Neidigh P.O. Box 440 Shippensburg, PA 17257 Defendant(s) CERTIFICATE TO THE SHERIFF I HEREBY CERTIFY THAT: I. The judgment entered in the above matter is based on an Action: _A. In Assumpsit (Contract) _B. In Trespass (Accident) ~C. In Mortgage Foreclosure _D. On a Note accompanying a purchase money mortgage and the property being exposed to sale is the mortgaged property. II. The Defendant(s) own the property being exposed to sale as: --.lLA . _B. _C. _D. _E. F. An individual Tenants by Entireties Joint Tenants with right of survivorship A partnership Tenants in Common A corporation III. The Defendant(s) is (are): ~A. _B. _C. Resident in the Commonwealth of Pennsylvania Not resident in the Commonwealth of Pennsylvania If more than one Defendant and either A or B above is not applicable, state which Defendant esident of the Commonwealth of Pennsylvania. Resident: Ma k J. Ud en, ESQUIRE Ad ress & I.D. # as above "' i I' , i I I I I , I , !' I I i , I ! I ~ 'IIIm!!liflll1ll 92~~ ~k~: Cl C:;; f;~ en -'] .-:; =<' "-..: Wi ,~.i!Il~~flI'~'''1""W!~~~;!l~~~l!l'mm''''1'''"*"'>lt',,,,~-,,-<~,,,,",,,,,,"--,-c-'w'.'1""cq;','_f-." '-",().,:~f'iW;"_o/!l'~B"'~~:lC},;"'?'J'f-'_O:'''-'''WH''J'''f~:''rh",,^.w!!IWl~, MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 ATTORNEY FOR PLAINTIFF EMC Mortgage Corporation 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County . : MORTGAGE FORECLOSURE Plaintiff v. Mildred L. Neidigh P.O. Box 440 Shippensburg, PA 17257 . NO. 01-2537 Defendant(s) C E R T I F I CAT E Mark J. Udren, Esquire, hereby states that he is the 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 insured mortgage Non-owner occupied Vacant X Act 91 procedures have been fulfilled. Over 24 months delinquent. This certification is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. Udren, ESQUIRE FOR PLAINTIFF ~"" ~. ,1 I I I I P I I I I I ~- -' '.-- &'-- ~"' ., ,- ~, ' ^ c) c:) <:::: ~.,- ,~/) -TJ fTI [ ;'-1 Z '0 -- 2~ , (J) ,. cr " ~~ C_.. ~----; " .' =~ :::) ~"-j __ !JIlllITI;I~~II)i'Ji$I'ij11i:1!!'ljijli!!il!~W!)('~Il#;I!'i!I"':~"'~!'t1W-'l"-,*.;riifil~;<<'iY--:<');"" "'''~,"X?b'",-; '"""J;ri"!'1'-""j''1''''~jW,f\!"'''''l1j'1f",~~,\t'lFtllli?f?W~o~"'''l!~(ji3!Jl:~~!I1lilf!1l'l''l)l1"'~~ll!I~ ~! "" -.... . MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 ATTORNEY FOR PLAINTIFF EMC Mortgage Corporation 909 Hidden Ridge Drive, suite 200 Irving, TX 75038 . . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County . : MORTGAGE FORECLOSURE Plaintiff v. Mildred L. Neidigh P.O. Box 440 Shippensburg, PA 17257 . . NO. 01-2537 Defendant(s) AFFIDAVIT PURSUANT TO RULE 3129.1 EMC Mortgage Corporation, Plaintiff in the above action, by its attorney, Mark J. Udren, ESQ., sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at: 288 Meadows Road, Newville, PA 17241 1. Name and address of Owner(s) or reputed Owner(s) : Name Address Mildred L. Neidigh 45 * S. Earl Street, Apt. 5, Shippensburg, PA 17257 2. Name and address of Defendant(s) in the judgment: Name Address SAME AS # 1 ABOVE 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address NONE 4. Name and address of the last recorded holder of every mortgage of record: Name Address Plaintiff herein. See Caption above. Commercial Credit Corp. 1320 Lincoln Way E., Suite 13 Chambersburg, PA 17201 ~""'~-'" -~ ,~~- . ,,~ "","1'1, .~- - ~ ~ ,.. ....... 5. Name and address of every other person who has any record lien on the property: Name Address NONE 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Name Address Real Estate Tax Dept. 1 Courthouse Square, Carlisle, PA 17013 Domestic Relations Section 13 N. Hanover St., Carlisle, PA 17013 Commonwealth of PA, Department of Revenue Bureau of Compliance, Dept. 280946 Harrisburg, PA 17128-0946 7. Name and address of every knowledge who has any interest the sale: Name other person of whom the plaintiff has in the property which may be affected by Address Tenants/Occupants 288 Meadows Road, Newville, PA 17241 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 a de subject to the penalties of 18 Pa.C.S. sec. 4904 relating to unsw rn f sification to authorities. & ASSOCIATES Mark J. Udren, ESQ. Atto ey for Plaintiff DATED: August 27, 2001 .,..-. ...., 0 <...... (~ "1'] ~/, n L":-- C'.__j :2 ."",) ~ 1_,- en c , r- "- .--- .:2.: ( , e- n '. ~ ,'-_. , , .-. c..-:. /.. ,- _,.,r' :C, , , , -. ~'II1II!l'Il~~I~~~~~ll!"ffi'i""''i~+~""",",",,!,,~F,O,,,j;''''-''~'''"'\j''''';'i'~-O''!;",'''<'i'~'~fS~'~:0:.o/f<Wl'~';'fJl1f'I*'::)'-'f'o/'J''''<'''~'!WlW'~~i~~~11!Im 50 ~. MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 ATTORNEY FOR PLAINTIFF EMC Mortgage corporation 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 . . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE Plaintiff v. Mildred L. Neidigh P.O. Box 440 Shippensburg, PA 17257 . . NO. 01-2537 Defendant(sl NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Mildred L. Neidigh 45 ~ S. Earl Street, Apt. 5 Shippensburg, PA 17257 Your house (real estate) at 288 Meadows Road, Newville, PA 17241 is scheduled to be sold at the Sheriff's Sale on December 5, 2001, at 10:00 AM in the Cumberland County Courthouse, 1 Courthouse Sqaure, Carlisle, PA, to enforce the court judgment of $60,470.59, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BF. 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 charges, costs and reasonable attorney's fees. you may call: (856) 482-6900 mortgagee the back payment, late To find out how much you must pay, 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 on how to obtain an attorney.) , <, """'~~""=-' , ,.~ -,- ~< '~'I_O I~I 1r 'r - ~ ~ ,~~"~ ~ . ~.- ~~-, .... ~ > YOU MAY STiLL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RiGHTS EVEN iF THE SHERiFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-482-6900. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your 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 856-482-6900. 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 within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. 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 APFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WIIERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3166 or 800-990-9108 ASSOCIATION DE LICENCIDADOS DE FILADELFIA cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3166 or 800-990-9108 ~ I-I " ii Ii II I I: II !i , " ~: I: I! ( i I' " I II 1,1 Ii , I' 0'1 If' ii. :i' ::' :ii " " ii' , ii! !" :ii II i. i" i:' 'i' ~ ' I: ~ - ~) :::-~,; 2~r( :2.-i' :;i\ .,"' r:~~ 1 ~-~ . --::,:,..:: )> '/) -:-1 !) " -':-::1 OJ ,It .... t~ ., ~J;~~~~"'''~'jil~''-~~~~m'W'''''jir~,,~,N<'W''''''''~''''''~' ';m;;-;',~,""" ,j'E."!""-"'h' ~'l"WiW'~;ry",_",~,!,;"t"lJ~""'il!',";i;iin'~~f"7i1>".,,,,~!'!p;::r'W~l!WB~ ~nK J. UDREN & ASSOCIATES 'BY: Mark J. Udren AT~Y I.D. NO. 04302 ~1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 EMC Mortgage Corporation 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 Plaintiff ATTORNEY FOR PLAINTIFF . . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County v. Mildred L. Neidigh P.O. Box 440 Shippensburg, PA 17257 Defendant(s) : NO. 01-2537 AFFIDAVIT OF SERVICE PURSUANT TO Pa.R.C.P.RULE 3129.1 Plaintiff, by its/his/her Attorney, Mark J. Udren, Esquire, hereby verifies that: 1. A copy of the Notice of Sheriff's Sale, a true and correct copy of which is attached hereto as Exhibit "A", was sent to every recorded lienholder and every other interested party known as of the date of the filing of the Praecipe for the Writ of Execution, on the date(s) appearing on the attached Certificates of Mailing. 2. A Notice of Sheriff's Sale was sent to Defendant(s) by regular mail and certified mail on the date appearing on the attached Return Receipt, which was signed for by Defendant (s) on the date specified on the said Return Receipt. Copies of the said Notice and Return Receipt are attached hereto as Exhibit "B". 3. If a Return Receipt is not attached hereto, then service was by personal service on the date specified on the attached Return of Service, attached hereto as Exhibit "B". 4. If service was by Order of Court, then proof of compliance with said Order is attached hereto as Exhibit "B". All Notices were served within the time limits set forth by Pa Rule C.P. 3129. This Affidavit is made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. Dated: November 26, 2001 BY: ~ MARK J. UDREN & ASSOCIATES Mark J. Udren, Esquire Attorney for Plaintiff ~~_ ,,...,J\lll_ I'll .,~, '1"""- "'=""'~., -,~ ~"~"'~._""-~-_.~._._. ..4JN . . MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 EMC Mortgage Corporation 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland.County NO. 01-2537 v. Mildred L, Neidigh P.O. Box 440 Shippensburg, PA 17257 Defendant(s) DATE: September 7, 2001 TO: ALL PARTIES IN INTEREST AND CLAIMANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY OWNER(S): MILDRED L. NEIDIGH PROPERTY: 288 Meadows Road Newville, PA 17241 Improvements: RESIDENTIAL DWELLING The above captioned property is scheduled to be sold at the ClImherlandCounty Sheriff's Sale on Dec..mherS. 2001, at 10:00 AM, at the CUMBERLAND COUNTY COURTHOUSE, 1 COURTHOUSE SQUARE, CARLISLE, PA. Our records indicate that you may hold a mortgage or judgment on the property which will be extinguished by the sale. You may wish to attend the sale to protect your interests. A Schedule of Distribution will be filed by the Sheriff on a date specified by the Sheriff not later that 30 days after sale. Distribution will be made in accordance with the schedule unless exceptions are filed thereto within 10 days after the filing of the schedule. EXH'BIT A - ~-=""-- , , 1<J~ "" . . "'C (IJ ." o 3 '" <Xl .... 0.... ." m C" ~ c: Dl -< ....... ~ ~ ~ ~ ~ ~ to '" .... Ol '" ... '" N ~ .... Q>~ enS. '" ... '" N ~ 0 " [!. , m C/l 0. 3 , CD Q- (\) ""0 0 l> 0 Z "mll> "'3 0."" CJ~~ C r ;;; m ~(I)c. . ;;: 1) '" a '" m co Gi zl> m_ m 0 ... ~a: ~" ;0 '" J: ,,"!l T " > ~ m <> m Z . ~ 0 "... 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Robert P Ziegler I, _____________________________________________________~________________________Ilecorderof Deeds in and for said County and State do 'hereby ""rtify that the Sheriff's Deed in which ___u_____n____ EMC Mtg Corp ___________________________.________________________________________________________ ~ thegr.antee 5th tbe same having been sold to said grantee on tbe _______________________________________________ day of 01 _______________________~::______________ A. D., ; _____, under and by virtue of a wriL_____________ 5th Execution . _______________________________________u_u____lSSued on the __________________u_______________n day of _________________~=1'_t..____ A. D., 0 :____, out of the Court of Comman Pleas of said County'as of 01 Civil ------------------------------...------- -------- -- -- -----__ ---__________ ______ _____ Tenn, : . 2537 EMC Mtg Corp Number ______________, at the suit of --------------------____________________________________u_____ Mildred L Neidigh ---------------------------..-----__ against____________________________________ ___ .. is 250 1738 - - ---------- duly recorded in Sherifr. Deed Book No. __n________, Page ____________. IN TESTIMONY WHEIlEOF, I have hereunto set my hand and seal of said office this ___I..?:::.___ day of -______@.~::..~2___________ A. D., :MP~____ ~-~------------------ Recorder of Deeds 1~ "~"'~ ,~.,.".,'^. . . EMC Mortgage Corporation VS Mildred L. Neidigh In The Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2001-2537 Civil Term Kenneth E. Gossert, Deputy Sheriff, who being duly sworn according to law, states that on Sept. 24, 2001 at 2:51 o'clock P.M., E.D.S.T., he served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendant, to wit: Mildred L. Neidigh, by making known unto Mildred L. Neidigh, at 45 Yz S. Earl Street, Apt. 5, Shippensburg, Pennsylvania, its contents and at the same time handing to her personally the said true attested copy of the same Timothy Reitz, Deputy Sheriff, who being duly sworn according to law, states that on Oct. 03, 2001 at 9:11 o'clock P.M., E.D.S.T., he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Mildred L. Neidigh, located at 45 Yz S. Earl Street, Apt. 5, Shippensburg, Permsylvania, according to law. 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: Mildred L. Neidigh, by regular mail to her last known address of 451/2 S. Earl St., Apt. 5, Shippensburg, P A 17257. This letter was mailed under the date of October 8, 2001 and neverretumed to the Sheriffs Office. R. Thomas Kline, Sheriff, who being dilly sworn according to law, states that after due and legal notice had been given according to law, exposed the within described premises at public venue or outcry at the Court House, Carlisle, Cumberland County, Permsylvania, on December 5, 2001 at 10:00 o'clock A.M., EST. He sold the same for the sum of$15,000.00 to Attorney Mark J. Udren & Associates for EMC Mortgage Corporation. It being the highest bid and best price received for the same, EMC Mortgage Corporation of Two MacArthur Ridge, 909 Hidden Ridge Drive, Suite 200, Irving, TX 75038, being the buyer in this execution, paid SheriffR. Thomas Kline the sum of $1,214.05, it being costs. Sheriff s Costs: Docketing Poundage Posting Bills Advertising Acknowledging Deed Auctioneer Law Library Prothonotary Mileage $30.00 300.00 15.00 15.00 30.00 10.00 .50 1.00 23.40 ~ -~~ -~ I,J, J" I' Certified Mail Levy Surcharge Legal Search Law Journal Patriot News Share of bills Distribution of proceeds Sheriffs Deed , . 15.00 20.00 200.00 270.05 206.94 25.66 25.00 26.50 $1,214.05 Sworn and Subscribed to Before Me . ~ ~ This~Dayof ",L) 2001,A.D._ ~t"O~/# o onotary <s~" J U~~, I I ,,~ " So~~ r~",<,: -t: ~--c.(J R. Thomas Kline, Sheriff Byqo~~~ Real state Deputy ~ 3U,vV ~ /.50 <:.t<.. 3s"3L 'f Ru. ' / J :J{,S)' , . -~-"",.,..~~ _~,_..._ =.112',: , ' SCHEDULE OF DISTRIBUTION SALE #21 Writ No. 2001-2537 Civil Term EMC Mortgage Corporation VS Mildred L. Neidigh 288 Meadows Road Newville, PA 17241 Sale Date: Buyer: Bid Price: December 5, 2001 EMC Mortgage Corporation $15,000.00 Real Debt: Interest: Writ Costs: $60,470.59 1,671.00 112.40 Total $62,253.99 DISTRIBUTION Amount Collected: Sheriff s Costs: Legal Search: $ 1,214.05 1,014.05 200.00 So Answers: r~~4 R. Thomas Kline, Sheriff ?'!~"'''''''(:"'''''"'~''''''''~''''''''''''' II' , ~~- TITLE REPORT THE PREMISES ENDORSED HEREON ARE SUBJECT TO THE FOLLOWING ITEMS, WHICH WILL BE EXCEPTED IN THE POLICY UNLESS SATISFACTORY EVIDENCE PERMITTING THEIR REMOVAL IS PRODUCED. SHERIFF SALE NO. 21 Held Wednesday, December 5, 2001 Date: December 5, 2001 TAXES: Receipts for all taxes for the years 1998 to 2000 inclusive. Taxes for the current year 2001. WATER RENT: SEWER RENT Company assumes no liability for private supply of water or sewer. Receipts to be produced if services are lienable. MECHANICS' AND Possible unfiled Mechanics Liens and Municipal Claims. MUNICIPAL CLAIMS MORTGAGES: Listed Under Other Exceptions Below. JUDGMENTS: Listed Under Other Exceptions Below. INSTRUMENTS TO BE PRODUCED: Deed from Cumberland County Sheriffto dated " and recorded , in Cumberland County Deed Book , Page RECITAL: Being the same premises which William 1. Weaver and Elizabeth D. Weaver, husband and wife, by deed dated August 12, 1993 and recorded August 12, 1993 in Deed Book "L", Volume 36, Page 707, granted and conveyed to Mildred L. Neidigh. OTHER EXCEPTIONS: I. The identity and legal competency of parties at the closing of this title should be established to the satisfaction of the closing attorney acting for this Company. 2. Rights or claims of parties in possession, if any, other than the owner. 3. Unrecorded easements, discrepancies or conflicts in boundary lines, shortage in area and encroachments which an accurate and complete survey would disclose. 4. Payment of State and local Real Estate Transfer Taxes, if required. 5. Mortgage in the amount of $54,400.00, given by Mildred L. Neidigh to United Co. Lending Corporation, dated April 19, 1996 and recorded April 25, 1996 in Mortgage Book 1315, Page 1101. Assigned to Bankers Trust Co. by instrument recorded in Miscellaneous Record Book 560, Page 27. Complaint in Mortgage Foreclosure filed on April 30, 2001 by EMC Mortgage Corporation as Plaintiff against Mildred L. Neidigh, as Defendant in the office of the Prothonotary to file no. 01-2537. Default judgment in the amount of $60,470.59 entered September 5, 2001. 6. Mortgage in the amount of $10,464.90 given by Mildred L. Neidigh to Commercial , ..I -, I' 1"1 ~ ." , , Credit Corporation dated October 15, 1997 and recorded October 23, 1997 in Mortgage Book 1411, Page 984. 7. Satisfactory evidence to be produced that proper notice was given to the holders of all liens and encumbrances intended to be divested by subject Sheriff Sale. 8. Satisfactory evidence to be produced that the advertisement of the property for sale is satisfactory in spite of the absence of any reference to the improvements on the subject property. 9. Satisfactory evidence to be produced that EMC Mortgage Corporation had standing to bring the above-mentioned foreclosure action when last assignment of record was to Bankers Trust Co. 10. Real estate taxes accruing on and after January 1,2000 not yet due and payable. It is to be noted that no search of Domestic Relations Records has been made to determine support arrearages regarding House Bill 1412, Act 58 of 1997, nor has any search been made for environmental liens in Federal District Court. Robert G. Frey, Agent Note: This Title Report shall not be valid or bin until countersigned by an authorized signatory. ~ - , q ,1'C_ T_^',,.,",', ,r""",,-~ __'.,. --" "1-1 REAL ESTATE SALE NO. 21 Writ No. 2001-2537 Civil EMC Mortgage Corporation vs. Mildred L. Neidigh Atly.: Mark J. Udren . ALL THAT CERTl\lN piece of land situate in Lower Mifflin Township, CollOly of Cumberland and State of Pennsylvania, bounded _and de- scribed as foilows. to wit: BEGINNING at a point In the cen- ter line of Townsblp Road T-418, on the line of land now or formerly of William C. Kostenbauder; thence along the center line of said Town- ship Road. South 11 degrees II minutes 47 seconds East. a distance of 133.28 feet to a spike; thence along the same, South 11 degrees 27 minutes 17 seconds, East. a dis- tance of 46.82 feet to a spike; thence along land now or formerly of Raymond M. Peterson. et ux, South 54 degrees 33 minutes 45 seconds West. a distance of 185.78 feet to a point; thence along other Jands now or fonnerly of Raymond M. Peterson. et ux. North 40 de- grees 31 minutes 39 seconds West. a distance of 147.73 feet to a point: thence along the land now or for- merly of William C. Kostenbauder, North 50 degrees 57 minutes 45 seconds East. a distance of 273.18 'feet to the center line of Township Road T -418, the place of beginning. CONTl\lN1NG 0.8131 acres. BEING KNOWN AS 288 Mead- ows Road. Newville. PA 17241. PROPERlY ID NO.: 15-04-0393- 052. TITLE OF SAID PREMISES IS VESTED IN Mildred L. Neidigh. single adult Individual by Deed from William J. Weaver and EliZabeth D.'. Weaver. husband and wife. Dated 08/12/1993. recorded 08/12/ 1993. In Deed Book L 36. Page 707. MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 ATTORNEY FOR PLAINTIFF EMC Mortgage Corporation 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 . . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAG.E FORECLOSURE Plaintiff v. Mildred L. Neidigh P.O. Box 440 Shippensburg, PA 17257 . . NO. 01-2537 " Defendant(s) AFFIDAVIT PURSUANT TO RULE 3129.1 EMC Mortgage Corporation, Plaintiff in the above action, by its attorney, Mark J. Udren, ESQ., sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at: 288 Meadows Road, Newville, PA 17241 1. Name and address of Owner(s) or reputed Owner(s) : Name Address Mildred L. Neidigh 45 ~ S. Earl Street, Apt. 5, Shippensburg, PA 17257 2. Name and address of Defendant(s) in the judgment: Name Address SAME AS # 1 ABOVE 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address NONE 4. Name and address of the last recorded holder of every mortgage of record: Name Address Plaintiff herein. See Caption above. Commercial Credit Corp. 1320 Lincoln Way E., Suite 13 Chambersburg, PA 17201 "~"-''''''1''-~' ."-_ .,-< -, 1'''''1'1 --~=----- -"" 5. Name and address of every other person who has any record lien on the property: Name Address NONE 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Name Address Real Estate Tax Dept. 1 Courthouse Square, Carlisle, PA 17013 Domestic Relations Section 13 N. Hanover St., Carlisle, PA 17013 Commonwealth of PA, Department of Revenue Bureau of Compliance, Dept. 280946 Harrisburg, PA 17128-0946 " 7. Name and address of every knowledge who has any interest the sale: Name other person of whom the plaintiff has in the property which may be affected by Address Tenants/Occupants 288 Meadows Road, Newville, PA 17241 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 a ade subject to the penalties of 18 Pa.C.S. sec. 4904 relating to unsw rn f sification to authorities. & ASSOCIATES Mark J. Udren, ESQ. Atto ey for Plaintiff DATED: August 27, 2001 }::_,~ ' - ~, '"I H ~r; , ~~ "" ~ ~."" ~.' ~.- li ~"_. . . , MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 ATTORNEY FOR PLAINTIFF EMC Mortgage Corporation 909 Hidden Ridge Drive, Suite 200 Irving, TX 75038 COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE Plaintiff v. Mildred L. Neidigh P.O. Box 440 Shippensburg, PA 17257 . . NO. 01-2537 " Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Mildred L. Neidigh 45 ~ S. Earl Street, Apt. 5 Shippensburg, PA 17257 Your house (real estate) at 288 Meadows Road, Newville, PA 17241 is scheduled to be sold at the Sheriff's Sale on December 5, 2001, at 10:00 AM in the Cumberland County Courthouse, 1 Courthouse Sqaure, Carlisle, PA, to enforce the court judgment of $60,470.59, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT.THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immedia~~ ac~iDn: 1. The sale will be cancelled if you pay to the charges, costs and reasonable attorney's fees. you may call: (856) 482-6900 mortgagee the back payment, late To find out how much you must pay, 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 on how to obtain an attorney.) ''''~~ -I' '~1, 11> ~~ M ~~="~~ --~,~ , YOU MAY STILL BE ABLE TO SAVE' YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-482-6900. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your 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 856-482-6900. 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 within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. 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. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3166 or 800-990-9108 ASSOCIATION DE LICENCIDADOS DE FILADELFIA Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3166 or 800-990-9108 ',<t'~j_ '" ~ ,.,..,- " ,-, '.~, .... '^..,.,~ SEt:, ~2, 2CC' 942AV, . . ~O, 2797 p ^ L .. " /' ALL riAT CERTAIN PIECE OF LAND SITUATE IN LOWER MIFFLIN TOWNSHIP, COONT~ OF CUMBERLAND AND STATE OF PENNSYLVANIA, BO~ED AND PES CRIB ED AS FOLLOWS, TO WIT: BEGINNING AI A POINT IN lEE CENTER LINE OF TOWNSEIP ROAD T-41B, ON lEE LINe 0'1' LAND !lOW OR FOlUlERL Y OF WILLIAM C, lI:OSTENllAUlJER: crEENCE ALONG TEE CENTER LINE 0'1' SAIP TOWNSEIP ROAp, SO=. II DEGREES 11 MINUTES .47 SECONDS EAST. A DISTANCE OF l:i3,2B FEET TO A SPIKE; TEENCE ALONG TEE SAME. SOUIB 11 DEGREES 27 MINUIES 17 SECONDS EAST, A DISTANCE OF 46.82 FIi:ET TO A SPIn:; TEENCE' ALONG I.AND NOW Oll. FOIlHERLY 01" RAYMOND M. PETERSON. ET UX. SOUIB. 54 DEGREES 33 MINUTES 45 SECONDS WEST. A DISTANCE OP lB5.78 FEET TO A POINT; TliENCE ALONG OTHER Ll\.lllJS NOW OR FOItKEllLY OP,RAYMOND M. PETEll.~ON, EI OX. NORTl!: 40 DEGREES 3l MINUTES 39 SECONDS WEST, A DISTANCE OF l47.73 FEET TO A POINT; !liENeE ALONG 'I'IlE LAND NOW QR FOlUlERLY OF WILLIAM C. XOSTENllAOIlER, NORIE 50 DEGREES 57 MINUTES 4S SECONDS EAST. A DISTANCE OF 273.18 FEET TO TliE CENTER LINE OF TOWNSEIP ROAD T-418, lEE PLACE 0'1' BEGINNING. ,. ", " '., CONTAINING 0.Bl31 ACRES. BEING KNOWN AS 288 MEADOWS ROAD, NEWVILLE, PA 17241 PROPERTY ID NO.: 15-04-0393-052 TITLE OF SAID PREMISES IS VESTED IN MILDRED L. NEIDIGH, SINGLE ADULT INDIVIDUAL BY DEED FROM WILLIAM J. WEAVER AND ELIZABETH D. WEAVER, HUSBAND AND WIFE. DATED 08/12/1993, RECORDED 08/12/1993 IN DEED BOOK L 36, PAGE 707. ' / / / . SEP 12 2001 11:02 PAGE. 02 ,~~".__, . "=_ " " 'n,"" . , _ " '-",.,.' ,~,- ~ . WRIT OF EXECIJTIOt.i ~nd/or ATTACHMENT .COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO. 01-2537 CIVIL 19_ CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due 'EMCMortgage Corporation PLAINTIFF(S) f~m Mildrend L. Neidigh, POBox 440, Shippensburg PA 17257. DEFENDANT(S) (1) You are directed to levy upon the property of the defendant(s) and to sell Real estate located at 288 Meadows Road, Newville PA 17241. (See attached legal description.) (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notWy the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is/are enjoined from paying any debt to or for the account of the defendant(s) and from delivering any property of the defendant(s) or otherwise disposing thereof; (3) Ifpropertyof the defendant(s) not levied upon an subject to attachment is found in the possession of anyoneother than a named garnishee, you are directed to notify him/herthat he/she has been added as a garnishee and is enjoined as above stated. . Atty's Comm Atty Paid $112 . 4 0 Plaintiff Paid % L.L. $ . 50 $1, 671. O~ue P~thy$1. 00 Other Costs Amount Due Interest $60,470.59 8{28/01 - 1215/01 $ 6.71 per dlem Date: September 5, 2001 CURTIS R. LONG by: ~Jon tary. Civil Di~Sion Deputy REQUESTING PARTY: Name Mark J. Udren, Esquire Address: 1040 N Kings Highway, Ste 500 Cherry Hill NJ 08034 Attorney for: Plaintiff Telephone: (856) 482 6900 Supreme Court ID No. 04302 '\i~I!~"!!"~,__~,.~"". " "~ -,' 1 1 I. 'I ~ -r ~ <~,~ ~ '" i~,~._. _ _.......... "~, ,H ~" O'~, ",-,-,>=,~, v~'F>;;'_." ..'-.- """..'-~"--_"''''''''-''.- W-,-,-"_,,.~"....= '., ..~~1!ttrijJr'~""'1r . . . REAL ESTATE SALE No. 21 On S:.p\-../ J- I J CO \ the sheriff levied utlOO the aeJeooanu, Inlerastln the real property .itu'led in 1Jwe;I ~ . &.p. tJumberfand Coonty, Pa., knownand nu_ as; ~ad~ ') f2D. ri Q .u hi! ~ ~nd more fully described on exhibit "A" filed with this writ and by this reference incorporated herein" Date:~ (21M ( By: !< ~( [::5 ~ ~ UtpJ rcr ~ "'~ G;:;\;) ~~v VI' ;'d ;~ . . i.; \ \ G \ d~S HI.li., Hn:;IH': .,'I\i ,1!dolO '.'t;\ ' ~JiIll~_"",",",~\,,~"?,.~~~'~~~~ry;JlOj""Jlf"''-~''''''''',~'''-''''''''''''''"-!'''-'''_-'''_j'J'~''";'';"'),-''!'1'"''''~"i'\~>~.i''l<-fJJW''l!fJ~fii'''i.~Y;'~Ii"'JJWf!~NWi'l"'""fiI)@!J!~~" REAL ESTATE SALT!: NO. 21 ,''"'".. Writ No. 2001-2537 CiVll EMC Mortgage Corporation vs. Mlldred L. Neidigh Atty.: Mark J. Udren ALL THAT CERTAIN piece oflana situate in Lower Mifflin Township, Connty of Cumberland and State of Pennsylvania. bounded and de- sertbed as follows. to wit: B:EGINNING at a pOint 111 the c~- ter line of Township Road T-418. on fue line of land now or formerly of W1lliam C. Kostenbauder; thence along the center line of said Town- ship Road. South 11 degrees 11 minutes 47 seconds East. a distance of 133.28 feet to a spike; thence along the same. South 11 degre~s 27 minutes 17 seconds, East, a dis- tance of 46.82 feet to a spike; thence along land now or formerly of Ravrnond M. Peterson. et UX, Soutti' 54 degrees 33 :minutes 4!) seconds West, a distance of 185.78 feet to a polnt; thence along oi:4er lands now or formerly of Raymo~d M. Peterson. et ux, North 40 de~ grees 31 minutes 39 seconds West. a distance of 147.73 feet to a pOint; thence along the land now or for- merly of William C. Kostenbauder, North 50 degrees 57 minutes 45 seconds East, a distance of 273.18 feet to the center :I1p.e of TOWIlS!UP Road T-41B. the place of beginning, CONTAINING 0.8131 acres. BEING KNOWN AS 288 Mead- ows Road. Newville. PA 1724l. PROPER1Y ID NO.: 15-04-0:r93- 052. TITLE OF SAID PREMISES IS VESTED IN Mildred L. Neidigh. stngIe adult indiVidual by Deed f\1Lm W1lliarn J. Weaver and Elizabeth D. Weaver. husband and _Wife. Dated 08/12/1993. recorded 08/E!1 1993., in Deed Book L 36. Page 707. -<._x ....-'7"""'1:t:t-: . . !<STAT. SAY; No. 2(. . 9.lQO.H53J 1YJlWJll _ _~__ JlrlJlag~ CQrp. _ . vs ~'~:;::f'~laredLNeidfgh.- ~- _" - . _ _ tiy; Ma.r!l.J. Udren u~~ON. n - ~.CERT~_piece of land situate in ~~J~Q.._c;Q..UJ..lty..ilf_(;'\Lmb.e..rland _ PennsYlvania, bounded and cles.c.r.iOO:J f:~.~~-i ~i~t"~n~~":c~~ler-~~~ of- ~lpRoad T-418.00 the line of land now or tf~_ of WllIJam -C. I{Q.<;lenbauder~ thence ~ IIis.cs:nte;:.JiPg.9f..saigJOOsb-ip Rood, south -rJaegrees 11 minutes 47 seconds east, a dis4ncc - ~a--f@_to_a__spike; thenceamng the same., ...s~th 11 degrees 27 minutes 17 seconds east, a distanc.e of 46..82 feet to a spike; thence along 1aDd ==.nQ.\v or fQrmerlj of Raymond M. Petcnun. et lIX, ~~_54 degrees 33 nllnules 45 Jiecaods west,a ~_oU85~'Z8 feet to a point; thence along , (gp~llL~,,~"J M m1nlll!,~+19_ PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 STATE OF PENNSYLVANIA: 55. COUNTY OF CUMBERLAND : Roger M. Morgenthal, Esquire, Editor ofthe Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, VIZ: October 12, 19,26,2001 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. , I tJY)M..,- Rbger M. Morgenthal, Editor SWORN TO AND SUBSCRIBED before me this 26 day of OCTOBER. 2001 NOTARIAl LOIS E. SNYDER, Notary Public Carlisle BolO. Cumbelland County My Commission Expires March 5, 2005 ; 1""" ~ ~ , >~ .... ,.", '-f 1'"' - '. i . THE PATRIOT NEWS . , THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 58?, Approved May 16.1929 Commonwealth of Pennsylvania, County of Dauphin} ss James L. Clark being duly sworn according to law, deposes and says: That he is the Acounts Receivable Manager of The Pafriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of I.hg Patriot-News and The Sundav Patriot. News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that 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 hereto is exactly as printed and published in their regular daily andlor Sundayl Metro editions which appeared on the 23rd and 30th day(s) of October and the 6th day(s) of November 2001. That neither he nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin i!SCellaneous Book "M", S ALe #21 NOll!nal Seal Terry L. Russell, Noll!ry Public Harrlsbulll, Dauphin County ARY PIC MV Commission expires June 6, 2002 U BL ,. Member, Pennsylvania Association Of Nola s CUMBERLAND COUNlY SHERIFFS OFFiCe CUMBERLAND COUNlY COURTHOUSE CARLISLE, PA. 17013 Statement of Advertising Costs To THE PATRIOT. NEWS CO., Dr. For publishing the notice or publication attached hereto on the above stated dates $ Probating same Notary Fee(s) $ Total $ 205.44 1.50 206.94 Publisher's Receipt for Advertising Cost The Patriot News Co., publisher of The Patriot-News and The Sundav Patriot-News, newspapers of general circulation, hereby acknowledge receipt of the aforesaid notice and publication costs and certifies that the same have been duly paid. By.................................................................... f~" ,,7 '" ".~I~ ..