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Home My WebLink About01-2761 FX "',-~-- <- . .. . , ,,~ . ". . . '0 ,:c~,_,','~' ~~ '-'.::<-~" ':"'-~"'C,,~," i;- '. <'~ >;\ii. ~., McCABE, WEISBERG AND CONWAY, P.c. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 First Union Building 123 South Broad Street, Suite 2080 Philadelphia, Pennsylvania 19109 (215) 790-1010 Household Finance Consumer Discount Company 961 Weigel Drive, P.O. Box 8634 Elmhurst, IL 60126-1058 v. Ray E. Malseed, Sr. 4 N. Enola Drive Enola, PA 17025 and Fay L. MaIseed 4 N. Enola Drive Enola, PA 17025 Attorney for Plaintiff Cumberland County Court of Common Pleas Number Ct ~ :nf../ G~;CT~ CIVIL ACTION/MORTGAGE FORECLOSURE NOTICE AVISO You have been sued in court. Uyou 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 agllinst you. You are warned that if you fail to do so the case may proceed without yon 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 HELP. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (717) 249.3166 Le han demandado a usted en 1a corte. Si usted quiere defenderse de estas demandas ex-puestas en !as paginas siguientes, usted tiene veinte (20) dias de plazo aI partir de Ia fecha de Ia demanda y Ia notificacion. Hace falta asentar una comparencia escrita 0 en persona 0 con un abogado y entregar a la corte en forma escrita sus defensas 0 sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tOfiara medidas y puede continuar 1a 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 DEMANDA A UN ABOGADO INMEDIATAMENTE. SINOTIENEABOGADOOSINO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICO, 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, PA 17013 (717) 249.3166 " .. , ~ -~ ~ ., ,. ,- - -.-,','-, ' '" ~",',,, ' . A , '!'_",_" ,< ',_, ,I ,~",--,' ",.,-'-'..'" -',- -'-h -, -'.i"-ot_:.,_';:>:_,,, '_"'';''''; -,..kJ-;~';";;;;"~;Lit;';",d<"Th_ "',',_,,' ,;,~j McCABE, WEISBERG AND CONWAY, P.e. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 First Union Building 123 South Broad Street, Suite 2080 Philadelphia, Pennsylvania 19109 (215) 790-1010 Attorney for Plaintiff Household Finance Consumer Discount Company 961 Weigel Drive, P.O. Box 8634 Elmhurst, IL 60126-1058 Cumberland County Court of Common Pleas v. Ray E. Malseed, Sr. 4 N. Enola Drive Enola, PA 17025 and Fay L. Malseed 4 N. Enola Drive Enola, PA 17025 Number CIVIL ACTION/MORTGAGE FORECLOSURE 1. Plaintiff is Household Finance Consumer Discount Company, a corporation duly organized under the laws of and doing business at the above captioned address. 2. The Defendant is Ray E. Malseed, Sr., who is one of the mortgagors and real owners of the mortgaged property hereinafter described, and his last-known address is 4 N. Enola Drive, Enola, PA 17025. 3. The Defendant is Fay L. Malseed, who is one of the mortgagors and real owners of the mortgaged property hereinafter described, and her last-known address is 4 N. Enola Drive, Enola, PA 17025. w-, ,,'",'~ ,--"","- ,>,~-', -"';.'- . - _ '~".-i"",- ~c 0",__'" ',' ,_,' ,',,;,_ '_,,~C,_,,-.H_~ '__.,_, :;. , ^.__ ,''1_1'' ;;-.,,'~,,~ , "--"''-'-~;:;t;(j 4. On 11/17/99, mortgagors made, executed and delivered a mortgage upon the premises hereinafter described to Plaintiff which mortgage is recorded in the Office of the Recorder of Cumberland County in Mortgage Book 1583, Page 187. 5. The premises subject to said mortgage is described in the mortgage attached as Exhibit "A" and is known as 4 N. Enola Drive, Enola, P A 17025. 6. The mortgage is in default because monthly payments of principal and interest upon said mortgage due 10/1/00 and each month thereafter are due and unpaid, and by the terms of said mortgage, upon default in such payments for a period of one month, the entire principal balance and all interest due thereon are collectible forthwith. 7. The following amounts are due on the mortgage: Principal Balance Interest 9/1/00 through 3/6/01 (Plus $27.79 per diem thereafter) Attorney's Fee Cost of Suit Appraisal Fee Title Search $92,368.26 $ 6,186.50 $ 4,618.41 $ 225.00 $ 125.00 $ 200.00 GRAND TOTAL $103,723.17 8. The attorney's fees set forth above are in conformity with the mortgage documents and Pennsylvania Law and will be collected in the event of a third party purchaser at Sheriff's Sale. If the mortgage is reinstated prior to the Sale, reasonable attorney's fees will be charged based on work actually performed. 9. Notice of Intention to Foreclose as required by Act 6 of 1974 (41 P.5. 13403) and notice required by the Emergency Mortgage Assistance Act of 1983 as amended under 12 PA Code Chapter 13, et seq., commonly known as the Combined Notice of Delinquency has been sent to .'0" .., "'." '-",;;.,,' ,_."",,"'~-___f. -----' ~";" ....~ c.",.-'-':;,',_," ,'-- ,-, ".\ h-'><'F' -~ .",' ~, .,-- ",y;. w::;-. " " , Defendant by certified mail on the date set forth in the true and correct copies of such notices attached hereto as Exhibit "B." WHEREFORE, Plaintiff demands Judgment against the Defendants in the sum of $103,723.17, together with interest at the rate of $27.79 per diem and other costs and charges collectible under the mortgage and for the foreclosure and sale of the mortgage property. --J: .. ---LJ. 01~ TERRENCE J. McCABE, ESQUIRE Attorney for Plaintiff .' '.~ " ... , "tL .,.,. ., h . .:.' ,. ,"-.,:. :113303 fMORTGAGEl D U' BOX IS CHECx:eO. THIS MORTG,lGE IS AN OPEN-END MORTGAGE AND SECURES F\.1TURB ADV,l.NCES. THIS MORTGAGE is mad; this day 17TH RAY E MALSEED. SP. FAY L MAlSEED (herein ".Borrower') and ~ottgagee HOUSeHOLD F I NANCE CONSUMER D I SCOLJNT COMPANY of NOVEMBER J.9(19_ hQetween the Mortgagor, a <corporation organized ~nd existing -und~t' the laws 'Of 25 GATEWAY DRIVE. GATEWAY SQUARE/SUITE 107. t"t;n';ff' '~J to'r'ui~....t "'~""'~""'M .....-u....C;.~ ~. PENNSYLVANIA MECHAN 1 CSBU(lQ.,._~JJ_0.5A< , whose addr= is The following paragraph preceded by a checked box i.$ applicable. c::J WHEREAS. Borrow"," is indebtod to Lend.". in the principal sum of $ 92.597.74 , evidenced by Borrower's Loan Repayment and Security Agreement or Secondary Mon:g.ge Loan Agreement dated NOVEMBER 17. 1999 and any extensions orrenewals thereof (Aerein "Note"), providillg for monthly ill5tallmenlS of prioeipol and inter,",t, including ill"ly adjustments to the amount of paymems Or the COntraC1 rate if toot rate is variable, with the balance of the indebtedness, if not sooner paid. due and payable on NOVEMBER' 17. 2029; o WHEREAS, Borrower is indebted to Lender in the principal sum ot $ , or so much ther""f as may be advanced pursuant to Borrower's Revolving Loan Agreement d.ted and extensions and renewals thereof {heTein ItNote"'), 'OTOv:id-i.op': for .rnru'Jf.h.lv ;n<:"~~'r'Y\~M':< .......-1....--...-........ ........ '",....~. ;'~" ,#', ,~ , ,. . ." """ ...._.~......~H a..... .l.u"v~.l.qUJ ul'::'.<1..ul}<;':'-J.~~lJ'1t'j:t n1te~t.,at t.he.t~te:r. 4 ,.~.. th';' .*.............. .._;....H.I-..t ,,_ __ _...._. ...................&~;J< _J'..>o..a.llI:I-U;S J;n ~ tnteresr "ate r t08t T3 e 1S Va!'J8ttfe~ a..no providing for 3 credit limit srated tn the principal sum above and an initial advance of $ . : TO SI?CURE to Len<kr the reparmenl of 0) the indebtedness evidenced by the Note, with interest thereon, including any incrca= it the contract rate is variable; (2) future advar..ce<; under any Revolving Loan Agreement; {3) the payment of aU other sums, with interest: thereon, advsnct:d in ac;Gordance herewith to prOtect the security of this Mortgago; and (4) the performance of the covcnaots and agreernonts of Borrower Aerein contained. Borro",,,,, doe. hereh:y mortgage, grant and convey to Lender 3Jld Lender"s .SlJ..Qc~_ors _.~t'Od assigns the fol1owing described 'property located in the County of CUMB.R~ANO ., ---. Commonwe.lth ot Pennsylv.oio: All THAT CERTAIN PROPERTY SITVATED IN THE TOWNSHIP OF EAST PF}j~~Sl:nIU' IN "'v!;"; ~t\'~~_."!:'." ...... ~,,,,i>: ~. -' ~ENN~~~Q~NiA. lBE'N8u~6~Eo~uE~OE~CRjBEOnfN~E-s7~~l~~ DEED DATED 1"22/1983 AND RECORDED '1123/19B3. AMONG THE lANO RECORDS OF THE COUNTY AND STATE SET FORTH ABOV.. IN VOLUME 30 PAcrE 1050. TAX PARCEL la, 09-14-0B32-336 .:XHIBlT "A , (}9-20-39 MTG PA001261 ff lE COPY 1I11J! nBJBII!!II~ DIU ~D ~llIlm fil ~~ 1I111~1I1 m lmllmll fflll~ 60/c0'd vl.C:l:061.STcTG 01 86>:2.. _ SiS--l3>:98N15 IN:i3S -\ D/ld5-S;;H Ci=l 9B:vi T0, vi <'!I:JW .. . -- ------~~- . ".",~".' ~~ ...... '_""'~'~~' ><" ~ ~"I ~..;."""""'~ ~. ~~..~ _ .- _o'a.W...li ^ ~'-'-ill~.~.ffi~~A~~~~ ._...;1... ..~.......~.--,.._.-- -. , , - ,oIf' -2- TOGETHER with all the im~rovements now or hereafter erected 00 the property. and 311 easomenlS, rights, appurtenances aad rents, all of wh,ch shall be deemed to be and remain a parI of the pro{X>11Y CQvered by this Mortgage; llnd all of the foregoing, together whh S<lid property (or the leasehold estate jf this Mortgage is on a leasehold) .re hereinafter referred to as the 'PJ."Qperty.. Borrower covellllnrs that Borrower is lawfully seised of the estate hereby conveyed and has tho right to mortga,ge, grant and (;()n~y the Property, and that the property is unencumbered. except for encumbrances 01 record. Borrower covemnts that Borrower Warrants and will defend generally the liele to the PmlOOrlY agailist all clai'ms and dJ::lTland~, ..t' _', J., _' ,"__,._.._, _...... ...~..~~.;.~....~. subjeCt to encum branccs of record. UNlFORM COVENANTS. Bortower and Lender covenant and agree as Foliows: l. Paymcnt of Principal and Interest..t Variable Rates. This mortgage secures all paymen1S oE principal aod interest due on a variable rate loan. Thc comract rate of interest and payment amounts may be sUbjC\'t t(> change as provided in the Note. Bo<rowers shall promptly pay when due all amounts reqUired by the Note. 2, Funds fot Taxes and losu....oce. SUbject to applicable law or waiver by Lender,l3orrowor shall pay to Lcmder on the day monthly ?l'yme~ts of principal and intel'''!!t are ?l'yable under the Note, until the Note is paid in full. a S\.Irn (herein "Punds") equal to otIe'"twelfth of the yearly tax,,", and assessments (including condominium .nd planned unit development assessments, if any) whieh may attain priority OVer this Mortgag<: aod ground rents on the Property. if any, plus one"twelfth of yearly premium installments fnr hazard insurance, plus one,,\welfth of yearly premium installments for mor-t_ iMurancc, iE any, .llll$ reaso".bly estimated initially and from time to time by Lender on the basis of a=smenrs and biJls and reasonable estimates ther",,!. Borrower a/lall not be obligated to m.ke such payments of Funds to Lender to the c.ltent that Borrower makes such paym~nts to the holder of a. MOl" II'nbrt_.-- ,.,.. ........ "'to -40A"il" U. ~J'1 -nOIc;x:r IZS an tIlSUll.u:rOn8! JenlJef'. . If Borrower plIYs rounds to Lend."., the Funds .ball be held in an instit,ution the deposits or accou~ts of Which are insured ar gvaranteed by . Federal Or .tate agency (including Lender jf Lender is s\,lch an i.nstitution). Lender shall apply the Funds to pay said taxes. assessments, insurance premil,/ms and ground rents. Lender may not "barge for so bolding and applying th<: funds. analyzing said account or verifying and compiling said "~ments,and bills, unless Lender pays Bormwe( interest on the Funds and applies1;>!e law permits Lender to make such a charge, Borrower and Lender msy agree in writing at the time of execution of Ihis Mortgage that interest on the Funds ,shall be paid to Borrower, and unless such agreement is made or applicable law requires such interest to ,be paid. Lender shall not be required to pay BOl'1'ower any inlere.~t or almings On the Funds. Lender shall give to Borrower, withaut charge. an annual accoooting of the Funds showing credits and debits to the Funds and tbe purpose for which each debit to lhe Funds was made. The flunds are pledged as additional security for the sums secured by this Mortgage. If tlleamol,/nt of the Funds held by Lender. together with the future montbly installments of Funds payable prior .' to' the due dates of taKes. ~e"t<. ;l"I~Uf'~OI:"p, ~""":~,.-t.1:l llo...tlI ....,....."i"\~ .......too.,. ...!-..tl ....,..",,, ~~, A',. ;' ~" '." ,,' "": ~ ,- ~. ',," ,. .,..... --''"'''-~,''''j~...... .....lOlo.....\.,;.l'-v wi....U.l.1UUJ;.;MUr,;t. gruUilo .ren:tS."sha&l eX,"-'el!!d.t.he .:I.(no.l~t """t'Wo.wl ~ c:i\)f -..... .....-, "~Ja'IiRJ5, Insunmce ~mtu1'tls ana grol,lna rents as me)' tall cue. :sucn excess Sl1aa De, a Xii frower S option, either promptly repaid to Borrower or credited to Borrower 011 monthly installments 01 Punds. If the amOUnt ' of fhe Funds held by Lender shall not be sufficient to pay taxes, _moots, insurance premiums and ground rents as they fatl duo. Borrower shall pay to Lender any amount n""""..ry to make up the defici,"ncy ;n'one or mOre payments as Lender may rcqlli<e, . '. Upon payment il) full of all sums :$<;Cured by this Mortgage, Lender shall promptly ....Fund to Borrower any lunds helcl by Lender. It under paragraph 17 hereof the ProperlY is wJtl Or the Property is ,otherwise acquired by Lender, Lender Shall apply. no later tb.1\ immediately prior to the ..le of the Property 0< !ls acquisition by Lender, any Funds held by Lender at the time of application as a credit against the sums secured by this Mortgage. 3. Application of Payments. Excopt lor loans made pursuant to the, Pennsylvania Consumer Discount Company Act. all payment. received by Lender uncler the Note and paragraphs' land 2 hereof shall be applied by Lender first in payment of amounts payable to Lender by Borrower under paragraph 2 heroof, thea to Interest, and t1lom to the l;>tincit><ll, , , " " ' ..,..;~ n.d'f'1W8flgages anil v!:ell Of nun; Clilirgss; Liens. &rrower shall perform all or. Borrower'sobligations under any mOrtgage. deed of 'trust or other security agreeJ1)ent with a lien which has priority over this Mortgage, including &.tower's covenants to ",ak" paymeAlts when due. Borrow". shall pay or cause to be paid all taxes, assessments and other charges, fines and impoGitions attributable to the Property which may attain a priority OVer this Mortgage, and leasehold payments or ground tellts, if any. . 09-10'99 MTG PAODlZSZ Fllt COPY IIU~II~!lml~nlilll!~lmllillrnlll~II~IUI'Mlllmlm 60/[0'd v6cT066STcT6 01 86~6 9T9 0~98NIJlh~3S IIJ/ldJ-S~H ~~ 90:vT T0, vT ~~W .~ .. ,.,.1 ~ -"-" n -....~~..."I' "liP' "~~ ''''''~j>~~~~~/ .'- ,. -;;'" ~.~ , 1....~ . <:., -:" ,.,v, ". ' .t "o..,;{.<: ",f> :' '. '. , -3- 5. Hazard Insunnce. Borrower shall keep the improvements now .xisting Or h."..after erect<xl on the Proporty insured against loss by fire. hazards included within the t6-m "extended coverage," and such other hazards as Lender may requi reo The insurance carrier providing the insurance Shall be chosen by the BorrO"'er subject to aopeova) by 1,.,ende(: ~":"~';;;.A. ~ "'"...~ ...ri-i--- -..." -- - ....H~~............I" _..uu....u. _~. .~vp.no;~ pof~cl~'llnQ. renewzlts"i:tibfeo'~ slr&ffoe-rii'a form acceptable to Lender and shall incjuce a standard mortgage clause in favor of and in a form acceptable to Lender. Lendersh311 have the right to hold the policies 'nd renewals thereof, subject to the termsolMY mortg.age, deed of trust Or oth.r security .greem.nt with alien wnichhas priority over this Mortgage. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof oilossif not Madepromptly by Borrower. . If the Property is ebandoned by Borrower, or if Borro\\'(;t fails tQ respond to Lender within 3Q days from the date notice is mailed by Lender to Borrower that the insuranee earrier offers to settle a claim for insurance benefits, Lender is au~horizod to colleetand applnhe insurance proceeds at Lender's option either to rcsto~tion or repair of the Property or to the sums secured by thisMongage. 6. Presetvation and Maintenance of Property; Leasehold.; COll<lominiums; Planned Uni t Developments. Borrower shall keep the Property in good repair and shall notcommit wasre Or permit impairmentordetetiorationofthe Pro"ertv and soaff t:()mr)lv w.it" f)V; t)t"f''I'{~;~;n''c;:,..t !~"'r lli_?~"'~:~ ~h:", ..,............~_:"" "'''''... '1',..."'....10......1 ,.. .,', ',.",-',~ _ ~.' : ~ .. ....,;'....' VI ......."-.'H~>..l .........UlAL,L..ld....,...Ut.:....."v....lSH.iU:l:oU'-d1Jjlls:l,dSt:! tl i:IU.!>iviOl.~_.e'iP'ls'Ollaleaseh()Jd. 11 tJltS~SZeuilo.q,,~_~1~..! 18 ~'G9nCnUn1nlUrn Of' :a plannea Unit aevelopm.~nt:. DOITOWer SnSI pononn all or .tlOrrov,'er S Obhgaflons unoer W.l.I:J declaration or covenants cre3.ting or governing the eondomini'Um Or planned unit deyelopmeotj the by-laws and regulations oftha condominium Or pl~nned unit development, andconst;tuentdocuments. 7. Protection of unde,.' s Secllrity. If Borrower fails to perform the covenants and agreements contained in this Mottgage, or if any action Or proceeding i. commenced which ma1et;ally aHe<:ts Lender's inl<<'est in the Propmy, thrn Lender, at Lender's option, upon notice to BOrrower, may make such appearatlces, disburse such sum" including reason. ble attorneys' foO$, and take sl.lCh actiOn as i. nCCC$Sary to protect Lender's interest. . Any amounts disbursed by Lender pursuant to this paragraph 7, with interost thereon, at the contract rate. shall become additional indebtodnessof Borrower secured by this Mortgage. Unless Borrower and Lender agree to other terms of payment, such amounts shall be payable upon notice from Lender to Borrower requoating payment thereof, Nothing contllin~ in this paragraph 7 shall require LenderlO incur any ex{lCnse or take rrny action hereunder. 8. Inspection. Lender may take or cause 10 be made reasonable entries upon and inspections of the Property, ' -A-...ttl.. ,1'rA rlf'l!'f~1..~119;'!lIl',~"""rl"\~'''''''''''''.:'''II'-,..;..........~.......~...-"I".",,~,,--,_.-,'.. .'!". ,. . ," Ei~~~::::; ;.:;~'~ ~~:"'...a .;ill~)~ ~~ 4.lv! ~ l.Iwc:r nO(lCe .octo,.. to any ~h ltu:1)eettOr\. ~eif)l"itl* _bJ. _u.- tl...._i.,....._t.-.-A "' Len".r.. ili_t m ..ue noperty. 9. COlldcmnation. The l'rocoods ohny award or claim for damages, direct or consequential, in connection with any condemnation or otMr tal;ing of the Property, Or part thereof, or for conveyance in lieu of condemnation, are hereby assili"-ed and shall be paid to Lender, subject tQ the terms of any mortgage, deed of trust Or other security agreement with a lien which has priority over this Mortgage. 10. Borrower Not Rel""sed; Forbearance By Lender Not. Waiver. futensionof the time for payment or modification of amortization of the sums secured by this Mortgage granted by Lender to any suc<;essot in interest of Borrower .hall not 0pei'8te to rele..., in any manner, th.liability of the original Borrower and Borrower's SUCcessorS in interest. Lender shall /lot be required to commeJ'lCe proceedings against such SllCCC$Sor or refuse to extend time for payment or otherwise modify amortization of tho 81!ms secured by this Mortgage by reason of any dematld made by the original Botrower and Borrower'. """cessors in interest. A.ny forbearance by Lender in e.ercising any right or remedy h.I'llunder, orothemise afforded by applicable law, shaU not be a waiver of or preclude Ihee1crcise of any such ri~ht or ~J,:rn,.-4~.' .~ 0'" ... .~m"t'f: Successors iiiid Assigns Bound; l<>inl and Several Liability; Co-sillners. The covenants and agreements herein conr.aintxl sball bind, Bnd the rights hereunder shall inure to, the respective successors aod assigns of Lend... and BolTOwer, 5ubjec"t to the provisions of paragraph 16 hereof. AU covenants and agreements of Borrower shall be joint and severa!. Any BOrrower who co-signs this Mortgage, but does not execute the Note, {a} isco"iigning this Mortgage only to mortgage, granundconvey that Borrower's interest in the Property to Lender under the terms of this Mortgage, (b) is not personplIy liable on the Note or under this Mortgage, and (el agrees that Lender .nd any other Borrower hereun<ler ",ay a.E~e to exteJ'ld. modify. fOr'bear, (}1" make any other 4lQCOmmo~tions with regard to the terms of this Mortgage ot" the Note without that Borrower's consent and without releasing that Borrower Or modifying this Mortgage as to that Borrower's interest in the Property.' . 01-10'99 "'"' PAOOUS3 Fir.. ".....9 IlIIlUlIIlIIIPlIIllIIJlllI UPJ\llJImllll\illl.lIIRIllIIIIIIISIlil,IIIIUm 1111.' 1...IoiIljj!jiilOl..._liIlllhMllllliillillli_lI/IlillllliliMdiliIIIllfllilll 60/p0'd p~cT06~STcT6 01 86[~ 9T9 0[99NI)In~3S I])/ld)-S~H ~~ 90:pT T0, pT ~~W ,,~ ''''~"~~~,--,._~ .~"_"O , ~ ~ ,~.. .,.~L-. ~W'~"" ._..........'" _,_ ~~~;..,~_.~"~<J." 1.h~~~~...,-'"-"""'IiMW''''~'~''''..~.!..~!I;l;&~l1;'S~~' "."'; -4- 12_ Notice. Except tor any notice required under applic.ble law to be given ill an/)ther manner, (a) any notice to Borrower provided for in this MortVSe shall be given by deliyering it or by mailing such notice by certified mail addressed to Borrower at tM Property Address Or at such other address as Borrower may designate by notice to Lender "" grovided herein and (b) 2ny ootice to Le:n.de.r .d1:a.lJ..he .cJven bv ~rt:ll';'''''''' n->....i t.... 1-:............".... .........__ ~..,..._ ~--.... _.........____u <DOl' a..cress llSl.:elio~r may oes'gnale by nOl1ce to !Xltrower as provided herein. Any notice provided for in this Mortgage shall bedoemed to baye been given 10 Borro"'ef or umder when given in the manner designated herein. ' 13. Governing taw; Sevt>rabjlity. The state :lJld locllllaws appHcable to this Mortgage shall be the laws of the jurisdiction in which the Property is located. The foregoing sentence shan not limi t the applicebility of Federal low to lhis Mortgage. Irt the ev~t thaunypt'OYiaioll or clause of this Mortgage or the Note conflicts with applicable law, weh conflict shall not .tfe<;t other provisions of this Mortgage or the Not<> which can ~ given effect wi thoQt the ronflictingprovisi<)n. lll1d to this end the provisions of this Mortgage and the Note are declared to be severable. As used herein, .costs: ."xpenses' and "attoroeys' fees' include all sums to the extent not prohibited by applicable law or limited herein. 14. Borrower's COpy. Borrowershall be furnished a conformed copy ofthe Note and of this Mortgage al the time of e><ecution or after recordation hereof. J.5. Rehabilitation Loan Agreement. Borrower sh.1I fulfill all of Borrower's obligations under any home rehabilitltion, improvement, repair, or other lo.n agreQrnent which Borro..'er enleTs ;Il." 17ith I ",nil", L~",J':7 .. k.~~~~~~'im~':i'/d:r~~~bi~h'BO;,:;;;;-;;;;~.,;;~~~j;;;-;;;i~';h;;~~;;:e;, =~;~t=:~::f~ connection with improvements nuldeto the Property 16. Transfer of 1he Prop<>rty. If Borrower ..lis or transfers all or allY part of the Property or an inteffilt therein, ""cludillg (a) the Creation of a lien or encumbrance subordilUlte to tbis Mortgage, (b) a transfer by devise, d=lIt, or by operation of law upon to. death of a Joint tenant, (ol the grallt or ony ICMCOQld interest of three years or less rtoteontaining an option to purchB$C. (dl the creation of a purchase mOlley socurity interest for household applianc,"" (e) . rronsf..,. to a relative resulting from the death of a Borrower, (t) a transfer wbere the spouse or chifdrcll'of the Borrower become an own.... or the property, {g) . 'ransfer resulting from a 40cree ot dissolution of marriage, legal separation agreement, or from lin incidental property settlement ag<eement, by ,,'okh the spouse of the BOlTower becomes an OWller of lhe prOperty, (hl a transfer into art inter vivos trust;,1 whiCh the Borrower is and remains a beneficiary.nd which does not relate to a transfer of rights of o""upancy in the property, or (i) any uther u:ansler or dispositlondescribed in regulations pr=ribed by the Federal Home loan J3anl: Board, Borrower sh.ll caus<: to be .1ll>mi.ted infor","t:"" ,.m,".n \>>.! ,..,.~. ~;.;. ;O.~~;1~~.;;; ~ ;;;;;-.j~;;;;; ~ ~~~ :;:.....:. ~~_ w~~ 4~ ~~ ~~ri~ier~ 'i:furro\Veftl1~tcoAHriuevib 'ffe'o~a~~~cter theNote.lId this Mortgage unless Lender reI...." BOrrower in writing. Ir l..ertder does not agree 10 such sale Or transfer, Lend/:r may dee]a,.., all of the sums secured by this Ml;>rtgoge '0 be , immedi..tely due and l"'yabJe. If Lender exercises such option to Bccelerate, Lendlll' shall mail Borrower rtotice of ..ceeleration in accordance with paragraph 12 hereof. Such notice shaJl provide a perioa of not less than 30 days from the date the notice is mailed or delivered withirt which Borrower may pay the sums declared due. if BOrrower fails 10 pay such . sums prior to the expil'lltiort of such period, Lend"" may, without turther notice or dem..nd on Borrower, irtvoke ony remedies perm!ttcdby paragraph 17 hereof. NON-UNIFORM COVENANTS,13orrowC1' and Lender furthereovenant and agree ..follows: 17. Acceleratjoll; Remedies. Except M provi4cd in paragrapb 16 hereof, upO/l Borrower'sbreoch of any ""'.en.....t or agteement of Borrower in Ihis Mortgage, including the covenants to pay when du" any sums secured by this Mortgalle, Lender priot to occeler.tion shall give n01ic. to Bonower as provided in pnagrapb 12bereohpc:cifvinl!'f1lthebte.eh,I?\the~M;"""~n,,:..,l,,,'M^,"'"....,...'~ ,.\ '-' , ;....).(;' ~ .. ~~.~ .~.:.'.:~..~ ..;:.~ ~~";;'.;~.~~'-~r-'i:~~::'#:.J~~A~ti ~'(.gKr~'e~' %~~~3J:~a!eti:Stlr\\it r.tlu;':i; ciit;-$~ch b;each on or before tbe date specified in the notice may [csult in acceleration of the sums seeured by this Mortgage. foreelosure by judicial proceeding, and .ale or the Property. The notie. shall furtber inform Borrower 01 the titbit to teit151ate after aet:eleration and the rilh1 to assert in the torcclosur~ prOGCcding the nonedstence ot a aefault or any other defense or Borrower to occeleration 2nd foreclosure. If the bre.ch is got cured Oil or before the date specified in tbe notice, Lender, at Lender's option, may declare all of the sums secured by tbis Mortgage to be immediately due and pay.ble with.out further demand and may foreclose this Mortgage by jUdicial proceeding. Lellder shall be .otided to colleet in sueh proceeding all "'~pelues of toreclosure, ineludi!lg, but !lot limited to, reasonable attorM}'s' fees and costs of docum.ent.ry ""iden"., abstracts and tiU" reports. 09-20-99 MfG PAOD1~64 fll& cijp~ iiiiiilliillllDbllllDlllmllllDmlllilllll1JillIIJmlDl 60/1.0'd vl.c1061.S1c1601 862<'. 919 0[99NIJI~~3S IIJ/[dJ-SdH dd 80:vl 10. vI d~N I "':<.:wi ,,--0'-'" ',QiUf~'li!i'Li<....",,,,,._,,,,,\,,,,~.'_'M' ,.~ __"4.1 - ~~"'......""'.""'"'-~ -~ -~;""'iIh J, 'r.~""....,,~, ''''''~Jii'~ft"~ii~-';'W-b~!'~'t'.",,,.' :,~:'-'Ill~;;,h ,';;' '" .' ,.,' '.~' ~-,--"-.",,, ~: .. ",,' 't. (' .,' ./ - -5- iii. Borrower'. Right to Reinstate. Notwithstanding Lender'. aeccleration of the sums by this Mortgage due to Borrower's breach, Borrower shall have the right to have any proceedings h<:gun by Lender to enforce this Mortgage discontinued at any time prior to en.try of a judgment enforcing this Mortgage if: (a) Borrower pays Lender all sums which would be then due under this ~ortga,ge alld the Now had no acceleration occurred; (b) Borrower cures all breaches of any other covenants or agreements of Borrower, contained in this Mortgage; (e) Borrower pays all reasonable expenses incurred by 0:nder in enforcing the covenwts and agreements of Borrower contained in this Mortgage, and in enforcing Lender's remedies as provided in paragraph 17 hereof, including, hut not limi.ro to, reasonable attorneys' r=; and (d) Borrower tak.eG such action as Lender may reasonably require to assure that the lien of this Mortgage, Lender's interest in the Property and Borrower's obligation to pay the sums secured by thi. Mortgage shan continue unimpaired. Upon such payment and cure by Borrow..r, this Mortgage and, the obligations secured hereby shall remain in full force and effect as if no acceleration had occumd. 19. A.ssig"me,!;t.,Qf, Renb;. 'Appolnt""e". of Receiver. As a<Witian.l security herel,lndet, Borrower hereby "'-:.illI6 'tIo- ~ ..h... .--.n_ ~t i.b:'.~_...... ....................... ...._ ~........__ ___to J".......... _ ____...____ ~...... t--~ 11- hereof, in abandonment of the Property, havo' the right to collect and retain such rents as they become due and payable, ' ,,' . " , , ' UpOn ac",reratlon'ilOder' paragrap.h '7 hereof or abandonment of the Property, Lender shall be entitied to have a receiver appointed by a C9un to enter. upon. take possession or and manage the Property and to collect the rents of the Property including those past due. All tents collected by the receiver shall be applied first to payment of the costs of management of the Property and collection of ren"', including, but not limited to, receiver's fees, premiums on receiver's bonds and reasonable attorneys' fees. and tMn to the sums secured by this Mortgage. The receiver shall be liable to account only for t.l)osc rents actually received. 2{), Retease. Upon payment of all sums secured by this Mongage, Lender shall release this Mortgage without charge to Borrower. Borrower shall pay aU coats of recordation, if any. ' , 21. W.iver of Home$lead, Borrower hereby waives all right of hom05tead exemptlon ill tne Property under state or Pederallaw. .:;.:;.. ;.;~~..."~;.. ~ ~~~~ "~"~H-". bvJ,'l-UW.CF i1gl'~s:;. 'i.ne. ml;Crc5t raic pa)'a'Dle alter a ')UogmC:1l.t tS entered on the Note or in an aCtion of mortgage foreclosure shall be the rate stated in the Note. ' r-:'J.>A,~a Jr.ln~lo~ " ~mJW,g~~~).'!QVii.H I IGOS .SQ JI~._ 2:~jm l:'j~) ttl ...... . ",~. -'. ~.:, ...=~.(,,,....~~ .." .~"... .":'........;.._.~~ l .. /.; ~~\ ," ~ ~ -; ~.~ : ~ ~..~ -"~...:~. /..v~\~t~ j ~~~.' ;0;:0.. .....a..... "\10,;:....:::- '. .. 0- V")I, :0".. ..........- ,"\ .,....., "U"H,.~,,~' V1f..1. r"qrt:lrrc'~'~ .::,>~;..~;A~~.~: ..,n -:. . I )t..: '\G; f.)jjl;i': :-1. t-": \: ";.";~l:)~ ~~\ ac..l, f ,",'.~ .~"'tt:(k~.,~t;-~t.'J~,;tA 09-20'99 MTG PAD0126S FH.f- C:OP\' IllIUmWIIlJ!!lmnlllU ~111111~ll!nllmlnmHIIIII~lIlIlIlm 60/80'd V6Gf066SfGf6 Oi 86~6 9f9 0~9bNIJI~~3S IIJ/ldJ-S~H ~~ 80:Vf f0, Vf 8~w "~~"'~. ,..,~,,""~"" ,.~"""'~. I ~ .~. ;~'='il;~i.J^-". "' ~ , ~ .'..=",,"~. ;'-- "'''':'~'4:i;1,-&'m<.-;;1._''l&'"",,_Jh_ **60'38t1d ltllOl ** " ~""",".<r" .,~ ~ .. .. , -6- REQUEST FOR NOTICE OF DEFAULT AND fORECLOSURE UNDER SUPERIOR MORTGAGES OR DBEDS Of 'TRuST Borrower and Lender request the holder of any mortgage, deed of trust or other encumbrance with a lien which has priority OVe1' this Mottgage to give Noti"" to Lender, at lender's address set forth On page one of this Mortgage, of any dJ.uh. ua.d.. tl:..... ~6" ~1,II,""b.....l<U!I. ~ ar .....y _1. 011' O't-MII' t~]_u_ ......,;..-.,.. ~ . . . ." ~("#~..~ RAY E MALS~ED. SR .Bo.row.r ~~D'2o( FAY,L,MALSEEO. .... -BOnowor .., . , ~..;';::l'.:tl;;v :,:.;~;f~~ ",10.;,"" ~J::!'" 1:'i,"':~'1'lt>/",,,, "'A.J."'....-'" "'~ :oj,,,. T ..,..,J-,,-, I?!.l..r";,, ,,;_"' ','. J..I';II~t:~nl n CTM{)"~.lrl= ... ....t;.r-C.O,lj eel-...u,)' ,uuu:. (he precl~,.:aaW~ 01 't.ne Lend~t' (,Mo~eJ uuf''''VoJl...IIL.oLtJ r' ~I'IMPI""t... 25G ATEWAY DRIVE. MECHANICSBURG, PA 17055 On behalf of the Lender. By: BERNIe H~FFElFINGER COMMONWEALTH OF PENNSYLVANIA, CUMBERLMm Thle:BRANCH MANAGER County so. I, ANN E A S T A F FOR D , a Notary Public in and for said county and state. do hereby certify that RAY E MAl SEED, SR & FAY L MAl SEeD p<:ISOoally known to me to be the same person(s) whose namc(s) "1' e subscribed to the foregoing instrument, appeared befor. mC this day in person, and acknowledge that _thcy~ signed and deli vered the said instrument as the j r free voluntary acE, for tbe uses and purpOses therein set forth. Given under my hand and offici.l !;eal, this day of November .199~ 'J 17th ~.;,,,. ..,;.."...;w.:.__....... ......t""o--. ........"....., ~: ~ ... ,,.,,,<')- . .. ,.. ~ . c :.>-~ ~~.-. ~~"'~f~~~S ..~ r-~ .':, ~:.::$--:';.,~-,.. '..... S'~~~ ~ .. \.... ~ :; : ~~. ~ ;.. ~ 5 a': ~ .... . E 5 %..,.%r."",- ,; fl.: f ~~~~ .... ~kr",~" ,;. ',,:/,'f;" <"" '-'~::t.t'~:P .... ; I"i'....~.....k-.~....>>-... NOTARIAL SEAL .WNE A. STAffORD. NOTARY ~~ IWIPllEII. CUIlBeIlLAllll COOK", .... IIY COMMlSSIOHEXPtRES APAlL 200l ~e~~ csu/;~t:UiPrepa~red:bY: . r Cf\'6me} Ho.USEHOLD FiNANCE itlON 25 Gateway DriVe, Suite,107 Maell8I'\lC3burg, ~dd,"rhl.35 ,. . ,......"'.-;'" __..=............. r'n'CJO _...~..... _.. ~...""",.. ..... .....,.............11; Return To: Records Processing Services 577 Lamont Road ' Elmhurst, Il 60126 09-20-99 MTG PAD012SS FILE COPY 11111~1~1111111~llIillmIIDlI~~"!~I~D ~II~~ Illml!IIIIIIIIII!III~llill~ 60/60'd v~cT06~STCT6 OL B6Z~ 9T9 0Z99NIJI~d3S IIJ/ldJ-SdH dd 60:vT T0. vT d~W -.....1l~-~"'" ~ ~ "~ ""'-.....'h I - '~'""- ~. " .;j;~fr~ ~@;j~_j,1~@~~~~~-%!_; March 22,2001 Ray E. Malseed, Sr. 4 N. Enola Drive Enola, P A 17025 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on vour home is in default. and fue lender intends to foreclose. Specific information about fue nature offue default is provided in fue attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (REMAP) mav be able to help to save vour home. This Notice explains how the program works. To see ifHEMAP can help, vou must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE RECEIPT OF TillS NOTICE. Take this Notice with vou when vou meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end ofthis Notice. If you have anv questions. vou mav call fue Pennsylvania Housing Finance Agencv 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 fue Consumer Credit Counseling Agency lUay 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 you find a lawyer. LA NOTIFICACIO EN ADruNTO ES DE SOMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VNIENDO EN SU CASE. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION IMMEDIATAMENTE LLAMANDA ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRlBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SAL V AR ~~~;;;;;;s;ERDID~;;~:~o"p~SU-Bl' "B" LOAN ACCOUNT NUMBER: 713303-00-986111 ORIGINAL LENDER: Household Finance Consumer Discount Company FfKJ A Household Finance Corporation .~'"'" .""'r'!<""'_i",,,,"'~~""'. ~..~- ~ l ~ '-~~----'._"~,~" Ii! ~""~'"~'"'-~'I~liili;\'!\k~4i,!C;;j'"!JiMtm~<k_ CURRENT LENDERlSER VICER: Household Finance Consumer Discount Companv F /KJ A Household Finance'Corooration HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAYBE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: - IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL , - IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND - IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYL VANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE--Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the receipt of this Notice. During that time you must arrange and attend a "face-to-face" meeting wifu one of the consumer credit counseling agencies listed at the end of this Notice. TillS MEETING MUST OCCUR WITHIN THE (30) DAYS OF RECEIPT OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF TillS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEF AUL T." EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES--If you meet with one of the consumer credit counseling agencies listed at fue end ofthis 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 fue countv in which fue property is located are set forfu at fue end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediatelv of your intentions. APPLICATION FOR MORTGAGE ASSIST ANCE-- 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 Mortgage Assistance 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 fue 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 YOURAPPLICATIONPROMPTL Y. IF YOUF AIL TO DO SO OR IF YOUDO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN TillS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION--Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by fue Act. The Pennsylvania Housing Finance -~,"""""'~ _ __._,;;<~_'"~_kb=-"""'~_ " ~~ . O,~" _ ,~ .J -'~~-.. . .'""...-.--.." l~~1d~~1.~~~~~<liI~"cl..~:?dL%:~"'~iL 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 fue time requirements set forfu above. You will be notified directly by fue 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 IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance,) HOW TO CURE YOUR MORTGAGE DEFAULT 03ring it up to date). NATURE OF THE DEFAULT--The MORTGAGE debt held by the above lender on your property located at:!: N. Enolad Drive Bnola. P A 17025 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY PAYMENTS for the following months and the following amounts are now past due: approximatelv $880.46 for the months of October 2000 through March 2001 Other charges: TOTAL AMOUNT PAST DUE: $5.282.76 HOW TO CURE THE DEFAULTnYou may cure this default within THIRTY (30) DAYS offue receipt of this Notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $5.282.76. PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made eifuer bv cash. cashier's check. certified check or money order made payable and sent to: Angela Williams Household Finance Consumer Discount Company F!K/A Household Finance Corporation P.O. Box 8604 Elmhurst, IL 60126 IF YOU DO NOT CURE THEDEFAULT--Ifyou do not cure the default within THIRTY (30) DAYS ofthereceipt of this Notice, the lender intends to exercise its ri!!:hts to accelerate the mort!!:a!!:e debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay fue mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS OF RECEIPT OF THIS NOTICE, fue lender also intends to instruct its attorneys to start legal action to foreclose upon vour mort!!:a!!:ed property. IF THE MORTGAGE IS FORECLOSED 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 fue delinquency before fue lender begins legal proceedings against you, you will still be required to pay the reasonable attomey's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even iffuey exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. Ifvou cure the default within THIRTY (30) DAYS OF RECEIPT OF THIS NOTICE, yOU will not be required to pay attorney's fees. _'C<<~~~ ~'~'",,,"'Iiil..:,;m.. -- ~" ~~- "" ~".J..._~~w ,~- ~.."- -.~- - "f..'ii- , ""'~~-~ -~~'6l".,;'''''J-ij"",,,,,,",r"'_- .:..c.i;i'li<1~lii\\l.*<lIi~,jf." OTHER LENDER REMEDIES-- The lender may also sue you personally for the unpaid principal balance and all oj:her sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE--Ifyou have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, vou still have the right to cure the default and prevent the sale at anv time up to one hour before the Sheriffs Sale. You mav do so bv paving the total amount then past due. plus anv late or other charges then due. reasonable attorney's fees and costs connected wifu fue foreclosure sale and any other costs connected with fue Sheriffs Sale as s1Jecified in writing bv the lender and bv perfonning any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted, EARLIEST POSSIBLE SHERIFF'S SALE DATE--It is estimated that the earliest date fuat such a Sheriffs Sale ofthe mortgaged property could be held would be approximately five months from the date of this Notice, A notice offue actual date offue Sheriffs Sale will be sent to you before fue sale. Of course, fue amount needed to cure fue default will increase the longer you wait. You may fmd out at any time exactly what the required payment or action will be by contacting fue lender. HOW TO CONTACT THE LENDER: Name of Lender: Household Finance Consumer Discount Companv F/KJ AHouseholdFinance C01;poration Address: P.O. Box 8604. Elmhurst. IL 60126 Phone Number; 1-800-333-5848. Ext. 7695 Fax Number: 1-800-617-7744 Contact Person: Angela Williams EFFECT OF SHERIFF'S SALE-- Y ou should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in fue property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and ofuer belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE--You mayor X may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all fue outstanding payments, charges and attomey's fees and costs are paid prior to or at the sale and fuat the ofuer requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: - TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. - TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. - TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) - TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. _ TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MA Y HAVE TO SUCH ACTION BY THE LENDER. _ TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. <--.- - " --~ ~~. I....... ~"""'~"=''T^''~"'.~~.L'J,./]a'-'''''' .J." .~ 'l!ll.~'J' ~"";""""<If:.""Mill.IJJ~';,~<lI;);K*';';'6i,'1lli1il!Ji;:,,j\,r FOR CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY, PLEASE SEE THE ATTACHED LIST. NOTE: Unless you notify this office within thirty (30) days after receiving this notice, that you dispute the validity ofthis debt or any portion thereof, this office will assume that the debt is valid, If you notify this office in writing within thirty (30) days from receiving this notice, this office will: obtain verification ofthe debt or obtain a copy of judgment and mail you a copy of such judgment or verification. You are also advised that any information which you supply to this office may be used by us in the collection of the debt. If you request this office in writing within thirty (30) days after receiving this, this office will provide you with the name and address ofthe original creditor. Although we have requested that you make payment or provide a valid reason for nonpayment, you still have the right to make a written request, within thirty days of your receipt of this notice, for more information about the debt. Your rights are described further, hereinafter. THE PURPOSE OF THIS COMMUNICATION IS TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THIS PURPOSE. SENT VIA REGULAR MAIL AND CERTIFIED MAIL NUMBER 70001670000238912662 RETURN RECEIPT REQUESTED Enclosure: Validation of Debt Notice """"',-~ ._. . ~~~ ., <,~ Iil~ ~"~~'"&,-U ~~-"j.=,"",""1' ''I" "-"t"""A~:&\{j"c{*~_,",, Validation of Debt Notice Pursuant to the Fair Debt Collection Practice Act (FDCPA) (15 USC 1692), a consumer debtor is required to be sent the following notice: (1) unless the consumer, within thirty (30) days after receipt of this notice, disputes the validity of the debt or any portion thereof, the debt will be assumed to be valid by the debt collector, (2) if the consumer notifies the debt collector in writing within the thirty day period that the debt or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a Judgment against the consumer and copy of such verification or Judgment will be mailed to the consumer by the debt collector, and (3) upon the consumer's written request within the thirty (30) day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Our demilnd for immediate payment does uot eliminate your right to dispute this debt within thirty days of receipt ofthis notice. If you choose to do so, we are required by law to cease our collection efforts until we have mailed that information to you. Althongh we have requested that you make payment or provide a valid reason for nonpayment, you stili have the right to make a written reqnest, within thirty days of your receipt of this notice, for more information about the debt. Your rights are described further, hereinafter. The law office of McCABE, WEISBERG AND CONWAY, P.C. is acting as a debt collector, pursuant to the FDCPA. THIS NOTICE AND LETTER ARE AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. The Federal Trade Commission has ruled that The FDCPA does not preclude the institution of legal action prior to the expiration of the thirty day period. Acceptance of funds and reinstatement of the mortgage are both subj ect to verification by my client. Please note that I may be instructed to proceed with foreclosure and fees, costs and/or advances by the mortgagee may be due in addition to the sum quoted above. Please further note that any funds tendered will be subject to verification and correctness before the matter is concluded. Please feel free to contact this office upon receipt of this notice should you have any questions or concerns. Date: March 22, 2001 ~cfJ4,t.k TerrenCeJ./McCabe, Esquire McCabe, Weisberg, & Conway, P.C. First Union Building 123 South Broad Street Suite 2080 Philadelphia, PA 19109 ...-- - "~~ ~-1~_, - ~---"".~"". . , ~~~l'~lIlt~'~'ii"i;;"\~~t"'"'''''';'''':' ,-,!dt,," ." PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES CUMBERLAND COUNTY Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, Pa 17102 (717) 541-1757 Financial Services Unlimited 117 West 3rd Street Waynesboro, Pa ,17268 (717) 762-3285 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, Pa 17101 (717) 234-5925 FAX # (717) 232-4985 YWCA of Carlisle 301 G Street Carlisle, Pa 17013 (717) 243-3818 FAX # (717) 243-3948 ~~...,._",~~'~~O"_ ~.- ~, - ,~ "'on j -' ~ ~ ~._-~ liL~" -- . ...,1., """''f'~~!;f.;;ii;&&-ti'%H_' March 22, 2001 " Fay L. Malseed 4 N. Enola Drive Enola, P A 17025 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default. and the lender intends to foreclose. Specific information about the nature ofthe default is provided in fue attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM ffiEMAP) may be able to help to save vour home. This Notice explains how the program works. To see ifHEMAP can help. you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE RECEIPT OF THIS NOTICE. Take fuis Notice wifu vou when you meet with the Counseling Agencv. The name. address and phone number of Consumer Credit Counseling Agencies serving vour County are listed at the end offuis Notice. Ifvou have anv questions. vou may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397 (persons wifu impaired hearing can call (717) 780-1869. This Notice contains important legal information. If you have any questions, representatives at fue 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 you find a lawyer. LA NOTIFICACIO EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASE. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION IMMEDIATAMENTE LLAMANDA ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): PROPERTY ADDRESS: LOAN ACCOUNT NUMBER: ORIGINAL LENDER: Finance Corporation Rav E. Malseed. Sr. & Fav L. Malseed 4 N. Enolad Drive Enola. P A 17025 713303-00-986111 Household Finance Consumer Discount Companv FfK./ A Household --~~~'~',- ~ -~~..- = ",' ",-. ,~-"~- ^ .... ~~~l 'J! ,~. '-'lfj~-'.. ~ltit~iliIi~m~iiJi:"""h;~i!i~i<lk,.(, CURRENT LENDER/SERVICER: Household Finance Consumer Discount Companv F fKJ A Household ~inance' Corporation HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAYBE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: - IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CON1ROL, - IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND - IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THEPENNSYL VANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE--Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date ofthis Notice. During fuat time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at fue end ofthis Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS OF RECEIPT OF THIS NOTICE, IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT." EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES--If you meet wifu one of the consumer credit counseling agencies listed at fue end ofthis notice, the lender may NOT take action against you for thirty (30) days after fue date of this meeting. The names. addresses and telephone numbers of designated consumer credit counseling agencies for fue county in which fue property is located are set forfu at the end offuis Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSIST ANCE-- Y our mortgage is in default for fue reasons set forth later in this Notice (see following pages for specific information about the nature of your default). If you have hied and are unable to resolve this problem wifu the lender, you have fue right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application wifu one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have the 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 lMMEDIATEL Y AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION--Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under fue eligibility criteria established by the Act. The Pennsylvania Housing Finance ,,'""'~-'-""'''._'''I'' '~",,';lli,"~__'"'<" .'. _" 'drl ", _~ j .....k~ "~" "" ,"'..,....., ..~""-,,"-"- ~ "._-~~&.'i"~L"~f~"bHi-ig,fl!.r&tl\,,:i; Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure Ilroceed~ngs will be pursued against you if you have met the time requirements set forth above. You will be notified directly by fue 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 IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT--The MORTGAGE debt held by the above lender on your property located at:l N. Enolad Drive Enola. P A 17025 IS SERIOUSLY IN DEFAULT because: YOUHA VE NOT MADE MONTHLY PAYMENTS for the following monfus and the following amounts are now past due: approximatelv $880.46 for the monfus of October 2000 through March 2001 Other charges: TOTAL AMOUNT PAST DUE: $5.282.76 HOW TO CURE THE DEFAULT--You may cure this default within THIRTY (30) DAYS ofthe receipt of this Notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $5.282.76. PLUS ANY MORTGAGEP A YMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either bv cash. cashier's check. certified check or monev order made payable and sent to: Angela Williams Household Finance Consumer Discount Company FfKJA Household Finance Corporation P.O. Box 8604 Elmhurst, IL 60126 IF YOU DO NOT CURE THEDEFAULT--Ifyou do not cure the default within THIRTY (30) DAYS ofthereceipt of this Notice, the lender intends to exercise its rights to accelerate the mortl!al!e debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay fue mortgage in monthly installments. If full payment offue 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 mortl!al!ed prooertv. IF THE MORTGAGE IS FORECLOSED UPON--The mortgaged property will be sold by fue Sheriff to payoff the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before fue lender begins legal proceedings against you, you will still be required to pay the reasonable attomey's fees that were actually incurred, up to $50.00. However, if legal 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 fue amount you owe the lender, which may also include other reasonable costs, Ifvou cure the default within the THIRTY (30) DAY OF RECEIPT OF THIS NOTICE. you will not be required to pay attorney's fees. -~""",,,,,-,,,==~,.~",,,,,~- -~ -- ~~ ~- ",- ~"""'- Jb<i1'Ii:llli ~,. ."~"",,,"""L '';''~'''''''''~~~~~,i:l~'- OTHER LENDER REMEDIES-- The lender may also sue you personally for the unpaid principal balance and all ~ther sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE--Ifyou have not cured fue default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure fue default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due. plus any late or other charges then due. reasonable attorney's fees and costs connected with fue foreclosure sale and any other costs connected with fue Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE--It is estimated fuat the earliest date that such a Sheriffs Sale ofthe mortgaged property could be held would be approximately five mouths from the date ofthis Notice. A notice of the actual date ofthe Sheriffs Sale will be sent to you before fue sale. Of course, the amount needed to cure fue 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 LENDER: Name of Lender: Household Finance Consumer Discount Companv F/K/ A Household Finance Comoration Address: P.O. Box 8604. Elmhurst. IL 60126 Phone Number: 1-800-333-5848. Ext. 7695 Fax Number: 1-800-617-7744 Contact Person: Angela Williams EFFECT OF SHERIFF'S SALE-- You should realize that a Sheriffs Sale will end your ownership ofthe 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 fumishings and ofuer belongings could be started by the lender at any time, ASSUMPTION OF MORTGAGE-- Y ou mayor X may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, proyided that all the outstanding payments, charges and attomey's fees and costs are paid prior to or at the sale and fuat the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: - TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. - TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. - TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEF AUL T MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) - TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. _ TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. _ TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. ,-,'-"",",,,,,",,,-""-f;' .. __' ~ e'~~' ''-~fj~ ~ ~ -~ , <"' , ~~~~,.L ,Ior'~ "u~~~~ ~. "'--,--, "~.~ ,~ - '1alIlllill<\i;k'..,~d-"4!r~1';',;"5<;~ili:'E';n',t~'c_,_"_,_,,jjh:-fl-; .. F0R CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY, PLEASE SEE THE ATTACHED LIST. NOTE: Unless you notify this office within thirty (30) days after receiving this notice, that you dispute the validity ofthis debt or any portion thereof, this office will assume that the debt is valid. If you notify this office in writing within thirty (30) days from receiving this notice, this office will: obtain verification ofthe debt or obtain a copy of judgment and mail you a copy of such judgment or verification, You are also advised that any information which you supply to this office may be used by us in the collection of the debt. If you request this office in writing within thirty (30) days after receiving this, this office will provide you with the name and address of the original creditor. Although we have requested that you make payment or provide a valid reason for nonpayment, you still have the right to make a written request, within thirty days of your receipt of this notice, for more information about the debt. Your rights are described further, hereinafter. THE PURPOSE OF THIS COMMUNICATION IS TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THIS PURPOSE. SENT VIA REGULAR MAIL AND CERTIFffiD MAIL NUMBER 70001670000238912655 RETURN RECEIPT REQUESTED Enclosure: Validation of Debt Notice "~"-- ~"~_CH~ .~ ~.~ .~ """"'..... I -""&b.~'-~~Iliil''-~'" , '~-~;~'&i1:_l:jdA_:1>if~il,.,;;.l< Validation of Debt Notice Pursuant to the Fair Debt Collection Practice Act (FDCPA) (15 USC 1692), a consumer debtor is required to be sent the following notice: (1) unless the consumer, within thirty (30) days after receipt of this notice, disputes the validity of the debt or any portion thereof, the debt will be assumed to be valid by the debt collector, (2) if the consumer notifies the debt collector in writing within the thirty day period that the debt or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a Judgment against the consumer and copy of such verification or Judgment will be mailed to the consumer by the debt collector, and (3) upon the consumer's written request within the thirty (30) day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Our demand for immediate payment does not eliminate your right to dispute this debt within thirty days of receipt ofthis notice. If you choose to do so, we are required by law to cease our collection efforts until we have mailed that information to yon. Although we have requested that you make payment or provide a valid reason for nonpayment, you still have the right to make a written request, within thirty days of your receipt of this notice, for more information about the debt, Your rights are described further, hereinafter. The law office of McCABE, WEISBERG ~AND CONWAY, P.C. is acting as a debt collector, pursuant to tl:le FDCPA. THIS NOTICE AND LETTER ARE AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. The Federal Trade Commission has ruled that The FDCPA does not preclude the institution of legal action prior to the expiration of the thirty day period. Acceptance of fund.. and reinstatement of the mortgage are both subject to verification by my client. Please note that I may be instructed to proceed with foreclosure and fees, costs and/or advances by the mortgagee may be due in addition to the sum quoted above. Please further note that any funds tendered will be subject to verification and correctness before the matter is concluded. Please feel free to contact this office upon receipt of this notice should you have any questions or concerns. Date: March 22, 2001 ~ ' I {! /(11 l",A"L ~ 11cU-c- Terrence . McCabe, Esqu~re McCabe, Weisberg, & Conway, P.C. First Union Building 123 South Broad Street Suite 2080 Philadelphia, PA 19109 ~ -,- .~., ,,.,,, 'I ~ ,,- i~ ,~ , ' ,~~ r' ~""'"liUMi.I'-' '~. '_lOt ~<'l,~~'~ .. PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES CUMBERLAND COUNTY Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, Pa 17102 (717) 541-1757 Financial Services Unlimited 117 West 3rd Street Waynesboro, Pa 17268 (717) 762-3285 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, Pa 17101 (717) 234-5925 FAX # (717) 232-4985 YWCA of Carlisle 301 G Street Carlisle, Pa 17013 (717) 243-3818 FAX # (717) 243-3948 .-.... " .--, - ~" ..'- - "'- - "ili~'> '" .;t-,<; VERIFICATION The undersigned, Renee Turner, hereby certifies that she is the Foreclosure Specialist of the Plaintiff in the within action, '!\"'''SEr\nl h (:' INPo....c.E. I::'l.'IN,<:.txm:p ~\"'cnUt-fT t.1'\!'C\Pf\N.'1 , and that she is authorized to make this verification and that the foregoing facts are true and correct to the best of her knowledge, information and belief and further states that false statements herein are made subject to the penalties of 18 PA.C.S. ~4904 relating to unsworn falsification to authorities. ~~ " .,. -~ .' ",,'" ~ENE T~~;-- ~ jji:!'tid!l,ilEl~~~!i:Mi\"ts_i>_",c,!';_'~j;\;;,!;<:"<k"'!dfrlilim~'i&l..,...;a,~";"",",'''''''W"~)_''':';:i'''-'1'i'_':",'"k!;'''l.:1.,'''tA,,,,~<!!.0.Iiiil!li~Jl:i'~~'_,1Iri'~,.;!'~;1lti~"~~~iIIi ~ ,', ,--.~ -'~-"" ~",' ~~ .f -&g !1 ,Crt € o () ~ "'- 6"- ..... (;:i ,().ie>- ..... I ),.) f~ ~ P ~i- '-:t::- ~ ~~,~~~,~ . ~ ,- ~. "~-,. ~~ ~. .". " .~ ,~ , o C :Z:~. ..,.., ;::-~~: rll r~~' ~f~~ (;C :> C ~ ~. :;2=CJ -~o Pro... Z =< r',8 '~j 1'1 Vl ,.~!J :'Tl : ',::J [IiW1<! c."> j;; --<: I -.J '-, , :".:_~;.::) ~"-I:J ; ~~ ::}f "H) ;:--,-~ ,--n -"-~ ~:' -, c~ :u -< ~-"-. ~ (..) "'0 : > : . Z "'0 -I 1_ ~'~ Vl ~.\ >~ -I- ~. e,~ ,.... 'Ii II I I I I U: , <!fi :"~'.rn.oJblI...~'" .......~~;","'.~ I.. "'"'- '"" . -~_..~ ~... ll;- .~~"".:'''~","~,,,,, I . '-- SHERIFF'S RETURN - NOT FOUND CASE NO: 2001-02761 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND HOUSEHOLD FINANCE CONSUMER VS MALSEED RAY E SR ET AL R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named defendant, DEFENDANT MALSEED RAY E SRE but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE NOTICE , NOT FOUND , as to the within named DEFENDANT , MALSEED RAY E SRE DEFT. NO LONGER RESIDES AT ADDRESS STATED RETURN NOT FOUND AS PER MICHELLE ON 5/24/01 Sheriff's Costs: Docketing Service Not Found Return Surcharge 18.00 9.30 5.00 10.00 .00 42.30 so~ ~ Thomas K~ine Sheriff of Cumberland County MCCABE, WEISBERG & CONWAY OS/24/2001 Sworn and subscribed to before me tz.., 3b - day of ~. this :u.-o/ A.D. ~ () J-u,I}'o"Ir9"Ji', Pro honotary . "',.di.','~_+"" "' ~, j. _ W""'...... " -~_- ...;.,L J'~"~~~~' .'-'M~f-I"""""""""'~ffiiI!.L~~\'i'-'mH[;}'..c."",', .. '- SHERIFF'S RETURN - NOT FOUND CASE NO: 2001-02761 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND HOUSEHOLD FINANCE CONSUMER VS MALSEED RAY E SR ET AL R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named defendant, DEFENDANT MALSEED FAY L but was unable to locate Her in his bailiwick. He therefore returns the COMPLAINT - MORT FORE NOTICE , NOT FOUND , as to the within named DEFENDANT , MALSEED FAY L DEFT. NO LONGER RESIDES AT ADDRESS STATED RETURN NOT FOUND AS PER MICHELLE ON 5/24/01 Sheriff's Costs: Docketing Not Found Return Affidavit Surcharge 6.00 5.00 .00 10.00 .00 21. 00 so~~ ~~~ Sheriff of Cumberland County MCCABE, WEISBERG & CONWAY OS/24/2001 Sworn and subscribed to before me """ this ..J d '- day of ~ olc-o( A.D. ~a~~ Pro honotary . ..~ -~~ "";~-- '-"'1-' -~.,_.,'- ~.-'-' ,'" _'bi'_;4,,,,' >- 'CA_, " '. ~",,,>,;;,; 'j,- _J'" ,;:i1 ,,,'. ~,~-.i C',",>,,',,_ -"_-"_...:-!0.,&,W~B,,,;,-J,o " ~ 'Ii ,_';'c_,~:, :;,;,,- , McCABE, WEISBERG AND CONWAY, P. C. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 First Union Building 123 South Broad Street, Suite 2080 Philadelphia, PA 19109 (215) 790-1010 Attorney for Plaintiff HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY CUMBERLAND COUNTY COURT OF COMMON PLEAS v. RAY E. MALSEED, SR. and FAY L. MALSEED NUMBER Ol-2761-CIVIL TERM PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Kindly reinstate the Complaint in Mortgage Foreclosure in the above-captioned matter. TERRENCE J. McCA , ESQUIRE Attorney for Plaintiff ~~~~-",' 'fr3ilIi_~IIiI:;_~~.~M~liIti '-'-,.'~ "'- ,-~- .~,~~ -" . ~" . '-.' -~ ,....., ~ - ^ ~-- .- ",'",- -,--<-~ jj~U--tli~"".;;g > "" '\ g :s: -ow mrn Z::rJ 21];: ~Z !;20 z8 )>C ~ o l <;i~ '- c:: % 'Tt r -"..\P1 '~.~6 ?3:2 ~-7( ) Om --j ')0> ::q -<. I -<fj -0 ::!l: tf! \0 " - ~h ~ I ~ . l _~,. -..,,-~ ~ ~l. -~ -~~~d,' SHERIFF'S RETURN - OUT OF COUNTY CASE NO: 2001-02761 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND HOUSEHOLD FINANCE CONSUMER VS MAL SEED RAY E SR ET AL R. Thomas Kline , Sheriff or Deputy Sheriff who being duly sworn according to law, says, that he made a diligent search and and inquiry for the within named DEFENDANT , to wit: MALSEED RAY E SR but was unable to locate Him in his bailiwick. He therefore deputized the sheriff of DAUPHIN County, pennsylvania, to serve the within COMPLAINT - MORT FORE On June 20th , 2001 , this office was in receipt of the attached return from DAUPHIN Sheriff's Costs: Docketing Out of County Surcha.rge Dep Da.uphin Co 18.00 9.00 10.00 35.25 .00 72.25 06/20/2001 MCCABE WEISBERG SO,~~:7 R. TJiomas Kline Sheriff of Cumberland County & CONWAY Sworn and subscribed to before me this 02~ 'E:' day of ~ oUo I A.D. /\,~-, Q. ~ #' ~ "1f Prothonotar~ ,-"""",,, ~ ~ , , ~ _",,;. '~lli!!lt~.!h\!ll!'#w SHERIFF'S RETURN - OUT OF COUNTY CASE NO: 2001-02761 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND HOUSEHOLD FINANCE CONSUMER VS MALSEED RAY E SR ET AL R. Thomas Kline , Sheriff or Deputy Sheriff who being duly sworn according to law, says, that he made a diligent search and and inquiry for the within named DEFENDANT , to wit: MALSEED FAY L but was unable to locate Her in his bailiwick. He therefore deputized the sheriff of DAUPHIN County, Pennsylvania, to serve the within COMPLAINT - MORT FORE On June 20th , 2001 , this office was in receipt of the attached return from DAUPHIN Sheriff's Costs: Docketing Out of County Surcharge So 6.00 .00 10.00 .00 .00 16.00 06/20/2001 MCCABE WEISBERG R. Thomas Kline Sheriff of Cumberland County & CONWAY Sworn and subscribed to before - e" cl. this ~~ day of ~ me hol ~ A.D. (L YvwIJ<J ~ l?rothondta y ~- . "~_~.._u -~_. "!"'"""';o""~ "'~ _ tJ -~" ,;,..,.;'~"~ In The Court of Common Pleas of Cumberland County, Pennsylvania Household Finance Consumer Discount Company VS. Ray E. Ma1seed eta1 SERVE: Fay L. Ma1seed No. 01 2761 civil Now, 6/6/01 , I, SHERIFF OF CUMBERLAND COUNTY, P A, do hereby deputize the Sheriff of Dauphin County to execute this Writ, this deputation being made at the request and risk of the Plaintiff. ~~#/~ Sheriff of Cumberland County, P A Affidavit of Service Now, ,20_, at o'clock M. served the within upon at by handing to a copy of the original and made known to the contents thereof. So answers, Sheriff of County, PA Sworn and subscribed before me this day of , 20 COSTS SERVICE MILEAGE AFFIDAVIT $ $ w " ",--, . _,~ ._-'. J .0-,- ~ ."~- '" h- ^' ~'-~-~~'g<J![,: In The Court of Common Pleas of Cumberland County, Pennsylvania Household Finance Consuner Discount Canpany VS. Ray E. Malseed etal SERVE: Ray E. Malseed Sr. No. 01 2761 civil Now, 6/6/01 , I, SHERIFF OF CUMBERLAND COUNTY, P A, do hereby deputize the Sheriff of Dauphin County to execute fuis Writ, this deputation being made at the request and risk of the Plaintiff. ..,..,/ ~' r~.,~ Sheriff of Cumberland County, PA Affidavit of Service Now, ,20_,at o'clock M. served the within upon at by handing to a copy of the original and made known to the contents thereof. So answers, Sheriff of County, PA Sworn and subscribed before me this ~ day of , 20 COSTS, SERVICE MILEAGE AFFIDAVIT $ $ ..-~- ~ L.- " ~~" @ffite of tlr~ ~4~t'iff William T. Tully Solicitor J. Dauiel Basile Chief Deputy Mary Jane Suyder Real Estate Deputy Michael W. Rinehart Assistant Chief Deputy Dauphin County Harrisburg, Pennsylvauia 17101 ph: (717) 255.2660 fax: (717) 255.2889 Jack Lotwick Sheriff Commonwealth of Pennsylvania HOUSEHOLD FINANCE CONSUMER DISCOUNT CO vs County of Dauphin MALSEED FAY L Sheriff's Return No. 1586-T - -2001 OTHER COUNTY NO. 01-2761 I, Jack Lotwick, Sheriff of the County of Dauphin, State of Pennsylvania, do hereby certify and return, that I made diligent search and inquiry for MALSEED FAY L the DEFENDANT named in the within COMPLAINT - MORTGAGE FORECLOSURE and that I am unable to find him/her in the County of Dauphin, and therefore return same NOT FOUND, June 18, 2001 SEE BANKRUPTCY PAPERS ATTACHED FOR DEFENDANT. Sworn and subscribed to So Answers, ?K~ before me this 18TH day JUNE, 2001 CIk", L u \ Ai f ,.\c. : ... ~ " ~~ ~. ~ I Sheriff of Dauphin County, Pa. PROTHONOTARY By Deputy Sheriff Sheriff's Costs: $35.25 PD 06/12/2001 RCPT NO 150901 e- '"' ~" ,~,_ c '~' -, ~ ."" ',~ '-., ,11h1!\i!1'JJ;::1>1tlli<(: @ffice of tq~ ~4~riff William T. Tully Solicitor 1. Daniel Basile Chief Deputy Mary Jane Snyder Real Estate Deputy Michael W, Rinehart Assistant Chief Deputy Dauphin County Harrisburg, Pennsylvania 171 01 ph: (717)255.2660 fax: (717)255.2889 Jack Lotwick Sheriff Commonwealth of Pennsylvania HOUSEHOLD FINANCE CONSUMER DISCOUNT CO vs County of Dauphin MALSEED FAY L Sheriff's Return No. 1586-T - -2001 OTHER COUNTY NO. 01-2761 I, Jack Lotwick, Sheriff of the County of Dauphin, State of Pennsylvania, do hereby certify and return, that I made diligent search and inquiry forMALSEED RAY E SR. the DEFENDANT named in the within COMPLAINT - MORTGAGE FORECLOSURE and that I am unable to find him/her in the County of Dauphin, and therefore return same NOT FOUND, June 18, 2001 SEE BANKRUPTCY PAPERS ATTACHED FOR DEFENDANT. Sworn and subscribed to ,So Answers, JK~ before me this 18TH day of JUNE, 2001 '~Ci. +~ , PROTHON TARY Sheriff of Dauphin County, Pa. By Deputy Sheriff Sheriff's Costs: $35.25 PD 06/12/2001 RePT NO 150901 JUH-15-01 05:54 PM = ' . . "", , .."".. , 1':.' " United States Bankruptcy Court I'iOTICE TO INDIVIDUAL COl'\Su~IER DEBTOR(S) Tne purpose ot ,nis notice is to acquaint you with Ihe four chapters of the lederal Bankruptcy Code under which you may IlIe a bankruptcy pelltlon. The bankruptcy law is compliCated and not easily described, Therefore, you should seek the advice of an allorney to learn of your rights ancl responsibiltties under the law shoulcl you decide to Iiie ,8 petition wnh the coun. Coun employees are prohibned from giVing you legal advICe, Cnapter 7= LiquidatIOn ($'30 IlUng fee plUS $30 admlnlStrallve lee) , , eMpter 7 is designed for deblors in financial difficuny who do not have the ability to pay their exist- ing debts. 2, Under Chapter 7 a trustee takes possession of ell your property. You may claim cenain ot your pro!> erty as exempt under governing law, The truStee then liquidates the propeny and uses the proceeds to pay your creditors acoording to priortties of Ihe Bankruptcy Code, 3. The purpose of filing a Chapter 7 case is 10 obtain a discharge of your existing debts. If, however, you are found to have committed canain kinds of improper conduct described in the Banl<rvptcy Code, your discharge may be denied by the court, and tns purpose for which you flied the bankrvptcy petnlOn will be d~fp.ated. 4. Even W you receive a discharge, there are some debts that are not discharged under the law. Therefore. you may .1II1 be responsible lor such debts as certain taxes and student loans, alimony and sup. perl payments, criminal restitution, and debts lor death or personal injury caused by driving while Intoxi. cated lrom alcohol or drugs, 5. Under certain circumstances you may keep property that you have purchased subject to valid secu. rity interest. '!bur attorney can explain the options that are available to you. Chapter" = RlOrganlzatlon ($800 tiling 'ee) Chapler , 1 Is designed primarily for the reorganization of a business but is also available to consumer debtors, Its provisions are qune complicated, and any decision by an individual to llie a Chapter t 1 petnlon should be reviewed with an attorney. Chapter 12: Femlly Fanner ($200 tiling lee) Chapter':1 is dllslgned to permit family tarmers to repay tlleir debts over a period of lime from tuture earnings and is In many ways similar to Chapfer , 3. The eliglbimy requirements are restrictive, limiting its use to those whose income arises primarily from a family-owned farm. Chapter 13= RepaylTlem 011011 or Part of the Debts of an Individual with Regular Income ($130 IIl1nll 1M plus $30 administrative lee) 1. Chapter '3 la deslgnad lor individuals with regular Income who are temporarily unable to pay their debts buf would like to pay tnem in Installments over a period Of lime. You are only eligible for ChJpter '3 " your debts do not exceed certain ,dollar amounts sel forth in Ine Bankruptcy COde. 2. Under Chapter 13 you must file a plan wtth Ihe court to repay your creditors all 0( part of the money thaI you owe them, using your future earnings. Usually. the periOd allowed by the court to repay ~ur debts is three years, but no more than 'jve years. Your plan must oe approved by the coun belore " can take eflect. 3. Under Chapter 13, unlike Chapter 7, you may keep aM your propeny. both exempt and non-exempt, as long as you continue to make payments under the plan. 4. After completion Of payments under your plan. your debts are discharged except alimony and sup- pon peyments. student loans. certain debts including criminal fines and restaution and clebls lor death or personai Injury caused by driving while intoxicated Irom alCohol or drugs, and long-term secured obliga- tions. I, the debtor, affirm lhatl have re:i1;ad his ~ice.. d /J r Novarber 3, 2000 _ t?d~~ Oa'. Signature of Debtor FlAY E. MALSEED, SR. Case Number E.Z LEOAL FOR.\!S" -"--< -'J..,,, P.02 ,- , -. - ~",t.;" 3S JUN-t5-01 85:55 PM ~~ , 'J.'" -"- '.!{-'"'"-'" ,;" P.03 -~'-- United States Bankruptcy Court ~OTICE TO l"DIVIDUAL CONSUMER DEBTOR(S) ne purpose Of It'liS nolice is to acquaint you with Ihe four chapters 01 the tederal 8ankruptcy Code under which you may file a bankruptcy pelttion. The bankruptcy liIW is complicated and not easily described, Therefore, YOII should seek the advice of an at10rney to learn of your rights and responsibiltties under the law should you decide to file a petition with the coun. Court employees are prohibtted from giving yoU legal advice, Chlpter 7: Liquidation 1$130 ftllng fee plus $30 administrative fee) 1. Chapter 7 is designed lor debtors in financial diffiCu~y who do not have the abill1y to pay melr exist- ing debts. 2. Under Chapter 7 a trustee takes possession 01 all your property. You may claim certain 01 your prop- erty as exempt under governing law. The trustee then liQuidates the property and uses the proceeds to pay your creditors according to priorities of the BankNptcy Code. 3. The Purpose of filing a Chapter 7 case is Ie obtain a discharge 01 your existing debts. If. however, you are found to have commilted cenairl kinds of improper conduct described in the Bankruptcy Code, your discharge may be denied by the court, and the purpose for which you filed the bankruptcy petition will be deleat~d. 4, Even if you receive a discnarge, there are some debts that are not diSCharged under the law. Therefore, you may still be responsible for such debts as certain taxas and studeCllloans, alimony and sup- port paymellls, criminal resthution. and debts for death or personal injury caused by driving while Intoxi- cated from alcohol or drugs. 5. Under cenaln circumstal1Ces you may Keep property that you have purchased subject to valid secu- rity interest. Your attorney carl explain the options that are available to you. Chapter 11: Reorganization 1$800 filing fee) Chapler 11 is designed primarily forlhe reorganiZation of a business but is also available 10 COrlsumer debtors. 1Is provisiOns are qUhe compncated, and any decision by an Individual 10 file a Chapter 11 petlllon Should be reviewed with an attorney, Chapter 12: Family Fermer ($200 flUng fee) Chapter 12 Is designed to permft family farmers to repay tlleir debts over a period Of time lrom luture earnings end is In many ways similar to Cllapter 13. The ellglbllhy requirements are restrictive, lim1llng 1Is use to those whose Income arises primarily from a family-owned farm. Chapter 13: Repayment of Allor Part or the Debts of an Individual with Regular Income ($130 filing fee plUS $30 administrative fee) t. Chapter 13 is designed for individuals with regular income who are temporarily unable to pay their debts but would like to pay them In Installments over a perlod of time. You are only eligible tor Chapter 13 W your debts do nol exceed certain dollar amounts set forth in the BanKruptcy Code. 2. Under Chapter 13 you must file a plan with the court to repay your creditors all or part 01 the morley that you owe them, using your Mure earnings. Usually, the period allOwed by the court to repay your debts is three years, but no more than live years. Your plan must be approved by the court belore it carl take effect. S, Under Chapler 13. unlike Chapter 7, you may keep all your property. both exempt and non-exempt. as long as you contirlue 10 make payments under the plan. 4. Alter completion of paymeClls under your p1arl, your debts are discharged except alimony and sup- port paymellts. student loans, certain debts including criminal lines and restRulion and debts for death or personal injury caused by driving while intoxicated tram alcohol or drugs. and long-term secured obrlQa. !Iulla. I,the cklbtor. affirm that I have rea~~~ November 3. 2000 ~~~~{ Oate .' Signature 0/ Debror Case Number FAY t. ~ E.ZLEO,u.FoRMS. 3S "-" ^ IiLlllll. ~-,~ . . -''',"~--~..~,,,'',,,,,*,,,llli;)i\s;l> P.B4 JUN-15 01 05:56 PM .'~.II f!:l"f11'(""" Wi!'llOtO\lt ACI(:nell~f NV ..... " ~"t. , FORM B 1 United States Bankruptcy Court Voluntary Petition - MIDDLE District 01 PENNSfLVANIA NilmE. Of Debtor r' -r,cI,v,lJu8i ruer LillI. J:"Jl M,CelI!!) Name of Joint Oebtot(soQu'~)(lUI First. MIOCl!Il: JQ1.SEJ:D, SR. . /<AY /1:, HAI.$EgD, FAr 1.. All Other NamE's used by the Deblor .n the last 6 years 1\11 Other Names usod by the Join, Oolltor in ,he lut aye... lI"lC!loat. rnlmillt! malOln .~ IrIQI f\~lq.) l,tlClllct l'lIIrrt8CI IT\Ilden, 'r>4 IraGll fl&l'll8'J NOllI' 110m: Soe. $e-cliax I D. Na. !llll'\lIr. 1118" on.. 111..1. .11): See. Sec.fTax 1.0. No. (il mor.:J'\eJ'\ Mll. IUIllll1l1 202-36-5175 208-42-5613 Street Address 01 OeDtor (Nc .. Str,.., Cotr. 11,le & Z,jl COllel' Street Ad-dress of J!)jnt Debtor (No B. 9unl. eliI'. SIll." Z.e COlIII f ~ortl1 En;!'1. Dz~v. 4 North Enol.t Orive enol. P,A 17025 Enol. PA 17025 COu"1~ Of R-e.s.ldence or of the CDunty l)' Resldence or of the Prlnc.pa, Plael of Business' CUraberlancf Pdncicai Place of Business; ClmI11er1 and Madlng Address of Debtor lIt oth..m 'rom II'''' ,gdr."1 Mailing Addresa of Joint Oebtor !if Oi".ra~llroll'l 41t681 leaf6nl SAIll: SJlHS . LOeJllon ot PrinCipal AI$"5 Q! S\lSll"jelS Oebtor 1 ~JOO :.::~] (\1 859 [llll,ftllraMlfCmllIH'liOIlr...alJOWlrl Nor APPL:rCASU ! I f \ 1'-" ..,: ....;:. ',~' jnforrnati~nRegardlJ'\g ,the Dll!)tor,(~~!*.k..~he Applicable Boxes) , I/onoo (Check any tpplieab" bOX) o Debtor hiS been domiciled or has had. residence. principal piece of bu.Siness. or principal assets in this District for 180 day, Immedlatelv pr...ding rhe dale orthis ""tillon 01 foro longerpart 0' .uch 180 de)ls than ,n an)l other Oi.triCl ' o rt'lerl IS a bankruptcy cue concernlf\g d.ebtor's efflllaw. general partner, or partnership pending. in this District Typo of Ooblor ICheck all boxes that opply) Chapter or Section of aankrupte)' Cedi Undtr Which lEI IMiviavalls~ o Railroad the Pelltion Is FlIod (Chee.k one box) o Corporalion o Stockbroker IXI Chapter 7 o Chapt.r 1 1 o Chapl.r 13 o Pef1nStitHp o Commoaity Broker 0 Chapter 9 o Chapter' 2 o Other 0 See. 304. Cau ancillary 10 foreign proceedin9 NaMo 01 Oebts ICtloCk one box) Filing Foo ICtleek one box) 18l C(ln5UrnerfNon-6usine51 D Buslnes$ rill Full Filin9 Fee attached Ctlapl.r 11 Sm.1I Buein... (Cheek all boxesll1al.pply) 0 Filing Fee to be paid in installments (Applil:abl. ~o lndivldl.l.fS only) 0 Deblor i8 I small Du,ineS5 as defined in 11 U.$,C. S '01 Must attac" signed applil:8tlon for the court's conlideratien 0 Oebt!)r is and alects to be considered. small busine" ul'!der certifying thai tile debtor is unable to PI} fee excegt in in&tJllmltnta. 11 U,S,C,!i 1121(eIIOptional) Ru.. 1 OOS(b), SOl Ollleiel Form No 3, StltllticaUAdministratiY1t Inform,tlcn IEstimate. Only) THIS SPACE 1& ~OR COVAT us!: t,lNL Y I!l Debtor o.limale. IlIal fonds will be available for distribution to onsecur.a creailors, o Debt!)r e&limat., that. after af'l)' exempt property iSIll:c:ludeo an" Idminlstratlye expenses FIl.EO , ~;:5;~liro, FA/", paid. there will be no funds. available tor ctletributlor. to IJnsecureCl erllldltotl_ ..~mated Number or Cledi,crs "'5 HI"'; $0-" 'CO-1ft 200-'" 100G-cv" rNoV ':'~ 2a;" ) 0 ~ 0 0 0 C1 EltlMUlllld Asstl! I I cL--~ .010 UC0Cl1\O "00001 \& 150000110 II QOD:lIJ11e 110.000.001 Ie SSOOOO.CO'IO M~rlll".n I ',..t'il L. :' .. _ -;;--J I~OOCXI S10~ :xl!! SSOO 000 "milhol'l 11Clm,lbon 15Oml1110l\ $IOOmllhOl1 51OCrnl!:,O" L . ."...' ...:;I::'! D 0 Il!J 0 D D 0 D ".....""......."'~ ESt\l"!1a\eQ- Cel)t& ". 150,r:I("1<111 '!O(l (lO~ 10 UClDOO!lo. s; OlXlOO\ 10 !i~O.OOO 00' It! 150.000,0011& Mo"lI'Iel'l 1;0.000 "<<-000 $500.000 "ItIlllrOf'l 'IOotll!!lot\ SlQ-miIhatl J1Ottm;J!<lltI $1oo""IJlo)'l 0 0 IEl 0 0 0 0 0 ~ =~-'i'\~ "~~ JUN 15 ~1 05:56 PM .;)'I.~;t' ,Oil" 1: l!ij'lJ~. Will Orl)ioI" AIlCn&II&I NY - "0' ~ --~ '"~'~- J_ .' ,",;, ,_ ~_ , p~e5 - 'Voluntary Petition Name of Deblorl,s): FORM B1, Pogo 2 (ThlspBge mu.>;t t:J6 completed Bnd filed in every :ase) MALUED, Sr.. RAY E. and " .._._,._...__,'....,_..... MALSEED. FAr L,,_..___.._._...._..._._._..____.. Prior B.nkruptcy Ca.e Flied Within USIS Years III moretilan one, alUlch .d"l~on.l.ho.') ~:;on ~~~~ FII&d. .... _.._"_._.___~,.. t Case NumDer: ~~.te Fllltd~__".J' Pending Bankruptcy Cue Filed by any Spouse, Panner or Affiliate or Illi_ Debtor (If mo,.lllan ono, al\ilch .ddll;on.loh..t) N.",. 01 Coble", Cua Number: 0.1. Filec: "om: Dlslri.-~t. Relationship: Jur.lge: , S;gnaturltS Signalu,o(s) or Debtorl_) (Individual/Joint) I rjeCI&re under :l8nal1y Qt perjury that the information .provid"d in this petition is true and corr.Cl [II petitio".' is in Individual whos.e debts are primarily conlumllr debt. and hill chosot! Ie file unro1er c",epter 7}1 am aware Ih,t 1 may procBed u:'Ider chlf),er 7, 11.12. or '3 o( ti11e 11. United Srales Code. underGtand Ih. rehef aVJla~le under ..en suel'l chapter. and choa-lie to proceed under chapter 7. I reql.loSl reI,., i/1 "cccrolnce with t~e C"'~ltr,,1 title' '. Unile.d $:ales C,de. 8 cif~ln this pe~lbQn. ;)~CIO' 'fIllllll'l1ll'l1 l\IuIl'ottl'lll Nil ftPl'lt./'uelS I)~ .11I)rn-"l ~ 3. 2000 .... Slgn.tura Of Allornty ~, X !.gn.llIf.otAllllrnn BA~!N' & DAfURtll FIIItIN.m. 1J'1 Ncrt'h S.cc{1d Strllet Ac-cl.... H~rri5b~ra PA 17102 rn 7J 2)'-2~2? ,.,lep"D".Nu'"Il.' Nt"'l\TPm'nPr i. 2000 D,I. Exhibit A ITo be cQmple'.d if t;Sebtor i. reQuired to file periodic reponl ie g.. f".." 10K and 10Q) w~h Ihe Sec.tili.. and Exch.nge Commi8lllun pursuant to Section 13 or 1S(dl 0' che Secufltle& EOIIcha.nglt 4c:1 of 1034 and ia reQuastins relief under chap-tor '1) o Exnlbi, A i. att.ched and mad. a pa" of !h;i petilion, ExhibitS (To be ccrnoeted if ceblor is It' individu'l \ltJnQse deDts are orimElrily consumer debts.) L :he iluorney for the pefitloner named' in t~. fo-regoins petition. d~lilr. lhat I f'la\Je informed '''e petitioner that (he or shel may proceed under c;.r:Bpll!!t7_ ~,_ 1;!. ar 13 of In II! 11. Unitl!dStllles Cede.lnd have I!kplillned tt''Il~ relief a~lIilable under .act'! s\olch cl'uuner, X s."",,,,,St~:./()' -~~ __~3: 2000 Ollf' Signature of Debtor (CDrJ:JorationlPartDlrr.hip) I decllre uncler penalty of perjury that lh. informalian ~to,,.d.d in 11'\15 "atitian ia true and correct. Ifld that I hAve been luthorl:ed 10 file tr\rS petilion on behalf of the debtor. The debtor requests rillief in accordanc.e wlll'I thl chaplliH of tlU, ", UfIit&d Slate, COde. specified in thi; pttition. X !lvrwlureclAulnOrlZlG II'\CI"rIOul! Pllrl18l1 Name af ~tnoflno Indl\llClUII "1'111. ol,l"'lt'llJl'llto 1n<!1.,lfuIJ c.. Sign.lur. of Non.Attorft@)' Petition p,.parllr I <o"11y that I am a oankrupley petition p..p...... defin., in 11 US C, i 110. that I prepared IhlO docum.nt for compen"lion, and Ihall hova provIded the debtor with a ~Op}l of this aocument. Pr'!'!'i!I~ "'1ItI'rtt I)' 6al'llllutl'~ Pllrtltln F'tIOBlII Sott.1 SelWm~ Nlm'IlHlt A.;!QrltU Names end Social Security number5 of all other lnoividuals who prspared or 'S1iisted' -in preparing this dacum.9nl: "more than one person p.o.ored Ini. documenl, ittaCn .dc~ion.1 sheets conforming to the approprialft official fOfrn for each plH!lOn X $lgM.lo..rl! al B'I'I~MIl~~ F'1l1\,1)1'I Pf.~".' 1;1111. A bA"krupl~y ~emion preparer'~ failure to compl~ witl'llhe provis,ion$ of title 11 and the Feder,! RUltl of 8an~.rupley Proc:edur. may rtSull in fines crimprisonment orbolh 11 U_$,C. G 110: 18 U.S C ! '56 ~ -~ ~ . = - .H' " , "J", P.86 >,-- ~t~i JUN 15 01 05:57 PM .~.. ;; :>:M S&A 11lJfllll W"I Grr.lup, Aye"e.!.', NV In re MAL$~EI). SR" RAY E. alia I!ALSEED, FA'! t. fDebter Case No, /ifkn'Wfl; SCHEDULE A.REAL PROPERTY ElCep! .s directeC1 belOw, IIII all real pfoperty In which the debtor he$ any Iogal. eQlJitabr" Of futlJre inler,sl, iF'lclUding all property owned 89 I. eOlt!'Jal'll :ommoJnity property, or in whicn thl dilbtor has a life eslale, Include 1r'lY' property in which the debtor holds rights and powers $xarCts2l)1f for lne aeblor's own beneI'd, If t~ debtor is matned. llale whIther the husband, w~e, or llOth own the propertY by pllcing on "H," 'W:' "J:' or "C" in the eolumn labeled ~Hu,ba"d. W6e, Joint. or Community," If the debtor hold, no interest in real propBrty, wrile "NOll'" u~der "Description and Location of Properly." Do nOl Include ir\t.rGsts in exeClJ10ry conrracts and unexpired leases on ttlis Ichedule, Llstthern in Schedule G-ExlclJlc-ry ContrJcts 8nd Unexpired Leases If.1'I er'\1\ry claims to have I lie" or hOld. secured. inl.ru~1 many property. Btate the amount 01 the secured claim, See S'~nedule 0 If no QfH~y claimS 10 hOI(l . Il!cLoreo interest in the property. writ. "None" In lhe column labeled "Nnount of Seeured Claim," If the aebter is .n indiviCIual or if. jOint petition i. rded, atilte the emounl of any exemplion claimed in the property ol'lly in Schedule C-Propeny Cl.imeo IS Exempt Oeact'iptiQn and LocatiDn of Property Nature of Debtor's CUf,enl Market Amount 01 Into..st in Property Valu. Securtd Claim IIf D.lllor'. 'n'trlll. . Huablnd.-H I" Prop.rtyWlltll~wt Wtf,.,W Delluotlng any Jolnt..J I.turtd elllrn or Commvnlry..c 1!....I't1)i1liOl'\ 4 NO.r'th Enola tl:.ri. v., EA I Enol.a, 17025 ,] Approx:imatuy $ :a,JS8.2; $76.000.00 No conllnualion ~heetllUacheQ TOTAL $ U2,3&B.26 IM,ooft allO Gtl 5unvnl1rlJ or Schedul".l JUN 15 01 05:57 PM ,:, # ,M\36~ 11018il WC$I Groua, lioC/lC~tUI, NY - ~ r,1'1 /1,\l.SEED, SR" RAY E. a"d MAtSEED, FAY L. {Debtor Case No, SCHEDULE 8-PERSONAL PROPERTY J" -il--~,_ P.07 L_ '-"ci~ (lfllnOllr/lI E~tepl as (lirected below, li&t aR personal prQ~rt)' of the debtor of whatever kind. If 'he debtor has no property in one or ~or. of the categ:)ries. p!ace 11'1 "X., in theapproprialc pOsilJon in the COIUt'l'lt'l label.~ "No"i," If Iddlional space is needed in an)' category. sUlleh 8 separate sheel properly iden,m.t: with lhi ;:aSi name, cas!! number, and the number of the cllegory. If the debtor is married, stale whether husblwd. wife, or ~alh own properly c.y Dlaclng an ",,1.' 'W," "J." Of "e" in tnl column libeled "Hus~nd, Wife, Joinl, or Community."lf fhe debtor iI an individual or II jOint ~afitian is filed, $:ale the Bmoun: of an) o,om:[lOni claimed only in SChedule C.P/operl)! CI,'med as exempt. 00 !'lO! ~I!!ollnl~rests I., ekeculory contracts I8Ind unBXPit"ed Ie'$l5 an (Mis schedule. Lilt them in Schedul8 G.ExeculClry Contracts and l)nexoired Leaus If IN pr~pe-!'l) IJ belrlg "'slef for the debtor b)l.omeone else. siBle thai person', name Ifld .~dress under "DesCrJplion and !.ocation of PrODerIY," Curr,n' Market Value Q'OelttOt"I"t.,.", In P~Dp'l'ly W!lncult OII.wetl". II'lY $,~u"!l Claim !l' b.I"tlDlIOI'\ Typo of Property '. Ca'lon II.nd. Z. Cl\eeollllll.......ng. Ofolh_ II"..da1 _"n,..CW'lfj~" at a_lA, at .,,_ 11I11.,,,, ..MgI...cJ 10_. Ihttft. bulld""O .,d hl.....d tlomatfMCl ..-Ion.. Of' 11I''' Ilnlol\l.lJrl)~"'1II11 "0"... .r aKlp_I~", " SKronl)'."olitawi't> ~Iltl:llic ,ltPI11w. X N41f>>'lm.C."",MlI", ,.,..,l6nfI., M" 01"." 4. "'Clv.."aldIDOlSu"cstl.tmllf\I"lIIl, irIe1utlrllllluIlID.W1I11o,lIfId eomploIlll'l' -..1p1Nfl1. I. IDoll&. ~iE:M..IftD IInll 1'\ oOJK\.. X ..I",~ MIIfrIO, CO!", 'iKolll. '.... COflllJlCt 'IW,.-If al"- cg\!tction, Of COI'<<1:i.-., .. V'lI""I'l''''I!ItIl. Y. ll=ullMlcl....llry. X I. F""mliItd 100M, 1l1l010~hie. Ind X Olllll'notlaytquipr.1l1'lt t. lftMreIlt m IMutanct paUClA N.... X irl...,lfIctCrwftlllltyv'......allq .d IIpiu..JttII'iMror,...nlf'l.' ci Nl;I\, 10. "'''IIY''fR.II.....II,...d IIAm. Mllh i...... X tttm"fIIo'IIIlIJlA,ERISA,l<_gh, Df alh. X ~llf'l.'tronttll"'rlgpl_..IIIlmiU. 1:1 110cll'"lIllI'."'. in il'ltO>'flOrMecl 11'I(1 X ul\l"~orporlClIO Ihl"n_. 11,,,",, 1111t1lrtlll1.nll..,.,tr.r!IP'Of jl;Il", ~llIl''' X ,..,.. 1t Gll_-.,tlll'ld eOrDOrllt bOl'I"; tria X OrJl"I'\"Dtllb~.,d nO....lIlOotlllllll il'lUNrl'IlII16 11. ACCltUlOlI JII.u,vabl.. X 11, Alltl'Ionv. """,''''","CII, ..,ppotl, Mil X p'8Pwfyu!I,*,,-""IQ WIIIe-n In. dM:UO' IUrmIV","IIlIlQ. Gt~. p"l~ ~.9' ..1.. Or ..1- N D.acrlptiol'l and Location 0' Property . HUlbancl..H Wlfl-W .lDlnluJ C~m'l"IlJtllty~ n o Cash Saving. Acco""t: "fl' :48513 Cb.acking Account "0. 148513 MVlIlbers First: Credit Union (both: joint. account.s) Miscellaneous household itams, grill, furllitur.., ate.,. . M18cel~.neou$ eloch8~ J $ 3.00 J $ 90000 J $ 1,200 00 J $ 250,00 ",i.... JUH 15 01 05:57 PM , C',,~~ 8ft!'! itOr!9! wrsi Grr;up. ROc:neller, NY -~,' In re !fAl.SEED, SR., RAY E. .a.~~ MALSEED, FAY Z;. I Deblor Case No, Type 01 Property '17 QU,..llqu,d.al!lrlllloDtld"'ln, lillblo' X lndlld"ur.llindt~" pl'tIClollW't. 11.llllllllDllor'ulullu'I...,..IIf.MlIl... X "lIIllJflll~rJO_'.R~llorlh. .....!loflMaeatClrDt"..'fl....I~_ li.lecI."ScnMl....at Real PtDCIlltt'f. 11. ClJllMg.n1 Me! n{ln-~n'l"liI"nl i"......." X 1fI1e1J1lOlldtatcllII'Il, Ill.." IIIftlflt pltn. rlf.,in!kltllMll POlkry. tr tAltt. to.Ot~IrCO"II"i..,t...tI..nllq"I..... "'.mil X of '-'''''u" fmllldi"lJ 'II Ill'u"!l1, coll'ulKl."".oItMlftOlol. Inll r1aMII 16 Mloff dllirn.OIVI _litrlMed dIU, or -, Z1.l"IUfltf. OQPvr1gh1t. _II: Oln.. 1n'''_u.I X pto;tI1,.. a.... l*1ill..rMli. ,n. J..'Wl... fr",;nlte.. ",a 0111.. II........ I '"Iangib.... ow. ''''Ie'''.... ,1~.A\ltOlllQbll'..t""Ctl,I''''.... II\Cl 011'1" .eflitl.. I X 2&. II..,. maim.. 11111 tct:lMDrtA ~,. "\f;M! ~o KCIMO,I.. X 11, OtftCII-lIl\lll"lNIll. rum'.in" Mill X ",ppl.. tr.lII~,nery,'idu"',lqlliv"'''1 Mill X IIollpllMlIMlf in bulln_. ZI.In"""qry X a.Animall, X U.r;fllp'.Dnuwin''',.....IIlCi. X QIW plnlQ.l.... ". Farml"lllqllipmenllfld Implll'1l"1a, X 3~. FtrfI' ,"pph.. d\tr'fto~I,. ..d 11Id. J( 13. OthlkJlfltIOnllPrllplll\y0' 1,",Wncl IU:II li'tIll~ ".rd. IIMIII.. Pogo ..l.... of ...L SCHEDULE B-PERSONAL PROPERTY CC""tinuIlion Sheetl N Des~ription and Location of Property o n HulblnlinH Wir...w Jolnt--J Comln~nltV..c . X 1~94 Chevrelet C...iler (H""Dal1d'.. ...""'.) -- $100,00 1992 Utility Trail.", (Hu.Dand'. n....e) -- $50,00 199~ f'e",d Ast",o (W1~e'. n.....) ("oC 1;0.......:1- "ot ",,,,,,,;,,g) -- $800.00 19~' Chlt..",olet Truok CISOO (beth """,e.) bal""o. o..;l\g 9,,312.69 n ..pprQX~,.aC.ly $700.00 .quity 1999 RV 24 ~eet IluCohraan camper (both .......es) h_I_ftce ov:LftQ' $9.25&.43 - A~~%oJd.zaat.V!llue $9,000.00 (negaUn equity. $1,256.43 . Total .. ,.. "'- ,', ~ p.0a iIlliI!ia.J,i lIflonGwl'l CUftent Market Vllu. of Cabtar'a Int.,n1. iFl"rOSl.l't'jWilft(lllt Dlcluelinv any S.eu'tCJ Clti"" Ot 1E""'''liop\ J $ 1,650.00 J UnknoW'n $ 4,003001 IRepo" ,etAl ,tlO on Sum~'''' 01 Sehldullt"~ lnCl\ldt amount, frCf'l'l '''y contlnuaUon '''tits ~rt~=n~~. ~ JUH 15 01 05:58 PM '~, , ">:,'" "-"j' -;- j"---",,,:-;,-~',,,, P.B9 -= iltii.flt:, RAY E. MALSEED, SR. in ~e rT>.Y 1.. W.LSEED Case No, (II knOWn) Debtor SCHEDULE C . PROPERTY CLAL\o[ED AS EXEMPT Oelllor alec's lt1e exemptions to which debtor :s enlil:ec unclec (Cheek one box) fXI , 1 U,$.C, 9522(bJ(1): Exemptions proviclecl In 11 U,$,C. S 522(d). Nolo: n.. ..omptlons II't ,.111_ only In .......In _. Cl 11 U.$,C. 9 SZ2(b)(2): Exemplionu~ uNlet' appIicallIe ncrilaIlkruptcy federalla~, s-.ate Of b::allawwllere r-oe ~lorsdomic:iI he", been roealec tor 1Ple 1 BOda)'S irnmecflilte!y prsc:adlng It'oe II1i1g of It>e peliticn, orfor a Iongerpor:ion of \he 1 Be day period Il'an in any o1her;llace. and lhodelllor's inleresllS IlenaJ'lt by 1tle entirety or joint fer-ant to \he elCler lt1e Int8rest is exempt from pIQC8$$ under a:>or1C!lble nonbIInkrJClCV law, SPECIFY LAW V ALYE OF CUIIRENT MAR~IiT CESCRIPflON OF PROPERTY PROVllllHG EACH CLAIMEO VALUE OF PROPERTY UliMPTIOH EXEMPTION WITH~~~, OE~...~CTING . M ITI N cash on Hand 11 USC 522(d)(1) : $ 3.00 . Checking/Savings kcount 11 USC 522(d)( 1) ~ S 900.00 Mise, Household Furniture 11 use 522(d)(3) $ 1,200.00 Micoe11aneous Clothing 11 use 522(d)(5) $ 250.00 AutOll'Obiles: 11 use 522(d)(2) $ 1,650.00 1984 Chev. Caviler 11 use 522(d)( 1) ~ 1982 Uti1i1ty Trailer 1989 Forst Astro Van 1997 Chev C1S00 Truck ~r: 1999 rY 24 Foot 11 use 522(d)(1) N:> El;lUITY Dutchm:m Camper $2 E.Z UCAL FOllMs. JUN 15 01 05;58 PM , -;jRIM >:\bij (GliOl Wt!): .:)rOUl), Rotht'ill:t. NY In re MALS&ED. SR.. IUlr E. and >f}lLSEED, FAr L. SCHEDULE D-CREDITORS HOLl S:ale ~h' nirne. mailing iiddress, Including z:~ coda. and acc:o~t number. if any, of :a:e- Of fil,t'I\l Of the petillo,., List c.reditors holding .n types of uc.ured interests &ueh t~'oiil. ana tllhlll securny It"Iteres.t!. List creditor:; in alpt)ibellcel order to the ex1enl :,tH'l!ln:jallon Sflet!! provlr4ed If any 'Mtll)' other than a apoul8 In I joint ene mil,)' rJe jointly ~al)le On III claim, pia J;lpraptllte sehedule of C::reditor, and camplell8 S~heau18 H . COG.blora. If B joint pt commJndy may be bable on each claim by placing an "M:' "W," "J," or "e" In the eclu! "the c!altTt is c:lnlmgenl, place an "X" in the column labeled "Contingent." If the clairr cl.Jlm IS diioured, piaes an "X"in the column "beled "DISputed," (YOIJ may ne.d to p Repor: IhelDI81 of -1:11 claima listed on this ach8dule in the bOJl: Iab8~d "Toter' on 1 SUmmary of Schedule., D Cneek tl1is box if debtor has no credi!crs holding secured claims to report en th c._,__.... wi '. ~,,-,~ _..;; P.10 ~- i"f'"""'~~ '1" " r.ese No. (if known) ~~. ~77 . ?0 7 - 737'1 ~r ii1S cf thG IS. oe!ds of 9', use tilE Ci'\tl!y 01"\ tl'le )f Ihe man;.! iClaltd-" If 1."Ie al also on Ihe c Date Claim was Iltourred, c u 0 Amount of Claim Unseeured Creditor's Nome Ind Mailing Addrus 0 n I . Nllu," of Llsn, and Dea.rlptlon and . I . Withoul Portion, If any Including Zip Code 0: , i . .Mar.el Valua of Proporty Subj..tto Lion I . II O.dltl:ting Value. . " II , D H~.HIlt/n:nd . i of ColI'teral . . t W-WII, . . . o J..Jaint " , . . r e.. "l'Imlll'lll'\,l . Ae~loIn: N~ 285UU2 ,j lSSS $ 9,258,42 ~d.l,.tor , 1 ,-.tel. to US9 llV 24 root c_ elr G::o~/s.l.a I"1.na.nc1n;-, Zno:: 'IS ,.trolpolitan A~nu. .0, So" 24330 OJrlabou CJ. C".v OK 73124 vall,Je: , 0,00 AtcO\I.IIlNo 020-06)6-89990 ,jU97 $ 9,J12.SB ~.d1t::or , : 2 r~tle eo 1997 C1'00 GIllIe '.0. ."" 971 ~Ol'S~.I.IIl RA ,19"'4 V<1lI1.l.' t 1,650.00 Ac;w"nINo 713303-00-966111-' J 1993 $ 92.388.28 Cred.:.l:or , 3 lforcga". (Fir.!:) lI!~$.hc.1d r1nal'1C. co~,,~.ei(m . NOreft Encl. Drive, !:nola, lOA 25 c:.:,v",y Driv. 17025 G.t:ceway Squ.nJ/Sui e. 107 ~.ch.ni~mu.rg PA 11055 velUe: , 112,368.26 ;',I:Ololn\ NO 652430J2 .1 S 20,000.00 Crllldi tor , 4 !fore gage (Second) rb.. H:mey seor. 4 NQ~th .Er101a Dri v., .i:"nola, 1'1\ .0. S"" 13116 17025 $.e.r"':lI~ c., 95&53-3716 VlIlle: $ 112,368.26 -- ~I\ll,lo I V.lul!. I No t.cr.litlU.!Itian sheil'" eUachltL:t Subtolal $ J.30,931..!~ !T1I1,l11lln,.;..,.. Total $ 130,937." lUll O"I~ 1In-1151 ;lJiI ~.p~n 101&\ allO 01'1 SloIlMla:)' ell S~.qUI.li .- - ~- ,. - '" ;-',;.-"-,,.:L,...:,,.;,;. P.ll ", ~~ -'~'" - L 1,1, i JUH 15 01 05;58 PM ,~~,;::M ~tr iolJOlj W.t.~ !~rotJt\. RocI'.r,t.r ~y I~ ril.MAU!:!:D. SF. RAY E. and HALSEEO, FA" L, I Debtor Cese No. (rlknown) SCHEDULE E.CREDITORS HOLDING UNSECURED PRIORITY CLAIMS A com~lete list of claims er'ltiUed to priority, listtd $8parateJy by ty~. of priority, is to be set forth on lhe e/'leele providea. Only halde'l 0: IJn"~CJred Claims. entillea to priority IhoulO De listed in this achBdull, In the boxes provided Or\ tn! attached ,heets, Ilate the l'\.me at'ld mailing adar,,, JnC:II.IClu'Ig Zip COdB, and account nllmber, if any, of In entities holding prjar~v Claims against the debtor or the property Df the de~or, as o( the dll! of tMe filinG 01 Ins Pl.llitlCl,'l, If Iny entit). ether than a spouse in a joint eale may be jOintly Ulble on a claim, place an "X" in the column labeled "Cod&btor," include the enlity "fI me aporooriate selle-dule of creditor. .nd r;Qmplete Schedule H . CDdeblgrt, 11 . Joint petition is flied, stale Wrlether husband. wife, 1)otn of them or t~ m.,Ils. co""mUI"lity mlY be liable on eaen claim by placing I.n ''H,'' 'W," "J," ar "C" in the column labeled I'Hu9band, Wife, Joi,.,t. or Comml.inity." If tt'le claim IS cantlnrtctnl, place an "X" in Ihllt ~alumn lilbeled "COl'llingent_H If tne claim illS unliQuidated, place an ~X" j" tl'le c:all.tml'l labeled "U"ilQl.iidattttf." If the c.laim is disp~led, place ar, "X" in the column labeled "Disputed," (You may need to place en "X" in more tnan on, of thl.. three eOll.lml1tU ".pen tne 10lal of cl8imslisled on each sheet in the bOx labeled "SUblCllll" on each sneet. Report the total of all claims lis led on thiS SCl'ltdwht e in ti'le bOJi labeleO "T01::11" on thllliit sheel or lhe completed senedule. Repeat this tolall150 on !he Summary of Schedulerl, o C,,,,.ek t~IS Dolt II aeDtor "a6 no erel:liUlrs MOldIng unaecured priorlly clBimw to report 0" this Schedule E. 'lVPES OF PIIIORITY CLAIMS Check the approprilue bOx(esl below if e:sims in that category are lisled on the .ttacheCllne~ls. o ElIensionl ol."dllln an 'nvolunlary case Cl8imi ariling in the ordinary tours. of the debtor'. bUliness or fll1anciQl affair' after the commencement of thlt case but before the eerier 0' tne lopoiolmln, 01 l,ru"l.e or the oroer for relief. 11 U.S.C. S 507(0)(2) . o W.g.., ..'ar'.., .nd commiaslon. wage:;, III.ries. and commisionG, including vaeation. levEirtlnce, and lick Ieava pay OWing 10 emplo~... -Ir-d commiuior.s owing to qualWyit"lg independent sales repr...ntlitiveS up to $4300. per parson e.rned wahln 80 days invne~a'ely precedIng the filing or the e'ginal PBlilion, or lhe e....tion of bu..n.... WhiCheuer occurroC! first. 10 Ihe e.nenl provideo in 11 U.SC. S 507(.)(3) o Contribution' 10 employe. benefil plln. Money owed tQ employee benef~ plans for Iilrvices rendered witrtln 180 oaYI immedjately preceding tl'le filil"lg of tn. original pltilion, or the cessation of bu,:n.u. wh~hever occurred fortI. 10 the el<lllnl prcvlde~ In 11 U.SC ~ 507(1)(4). o Ct",ln Jarmlra and fi.h.rmen C~m' of certl.n f.rmort InO fishermen. UP 10 $4300' per fa,mor or fdherman. again" the ~eblor..1 provided in " U.$.C. 5 507(0)15) o Oepollll by IndivlOual, C;atns of ;ndilrdual. up 10 $1950' for depo.ij. for the purchese. leese. or renlal or property or ,erv.,e, for peraonal. family, OT haVllnolll "., tn'l wer. nol ae.vared or provided 1~ U.S.C. S 507(1)(5). o Allmon)', Mainlenlne. or Support CII",. of I IPOUII. form.r opouse, or chilo oflh. deblo,. for llimony. mlin..nln.e or lupport. 10 IhIt.Kllnt providodln 11 U.SC. S 507(1){7). Il!I T.... Ind Ce/tlln Olher O.blll Owed 10 Governmonlal Uni," T...... "UllOm Ouliel, .nd peoell.1 ow'"91O 'ederal.'atlte, Ind 10..1 governmenlll unilll .11 forll\ in 11 US.C. 5 507(1)(8). o CommItments \0 Maintain the Capital of an InSured Oepository Institution Cillms Oiled on commitments to FDIC, RTC, elr.ctor of the Office of Thrift SUpervilion, Comptroller or tn. Currency, or Boaref o! Governgri of the Fedoral R.serve System, Or lhl. proaocesso.. or successors. 10 meinlain lIIe e.apn.1 0' an insured depesijory i"'litulion. 11 U.S C. ; 50711)19) ......'r..."" .'<11 ...,~.~, .. ."I""lm."' ..., A,,,,t 1 200t...<<;I .~.'Y ......... )'.._. .No....".. w,lt. '..D..... ,..o!ll... I:lll'rI"'.....I!l.a M M .fl..,II\Io _..~, ..I"'......n. ..!..--conttnU8Uon sneets .Ulched "~"-"'"'~ ~ ~ ~" ':..1 -", ;--", L2 "'-~' ,,', ,.;~, P.12 ,,"' l!iili;n;:l"m-, JUN-15-01 05:59 PM . ';.~.6Ell0189IW'I;G'O" ROCIlIS'Ol,NY In ~e MAUEED. SR,. RAY E. and ~Si:ED, FAr L. I Debtor Ce&e No. iir~mcwn) SCHEDULE E-CREDITORS HOLDING UNSECURED PRIORITY CLAIMS (ContinuotiOn Sheet) TYPE OF PRIORITY TaJu!1I an<:1 Cercain Ochor Det>=. Owed co GOllerll.lllancal Clni CII Creditor's Name and Mailing Addres. C Date Claim waG [nc\.lrred, o u 0 Total Amount Amount Entitled 0 . . , d and consider.lion fDr Claim . I . ofClllm to Priority Including Zip Codl I I . I I . " b ' " I . I t W-loII1UI'U, . . o W..Wir. . . . r J-Joint . , I ~ I ~ A~O.lrr."'O Oi-U-OU2-3). J S 607.00 S 0.00 Cred;. tor I ; 1 ~9~9 Real Estace Tax.. C"..zmborl.nd Co 'l'1Vt Claa Bur..u One couzt.bou.s. SqulJr. I Ca.rJ.i..1. PA 17013 . i"=~mNo 009-0004575 lr , 37i.IO S 0.00 Cro~ cor I : 2 1999 .Per.cn.l Sehocl 1'ax Ea.c: Penn,boro School Tax Co.1.1.~t.1on Avenc:y: fAX ot~:J.c. ~..",cro<Ut Cozpcrat:.1cn 190 l'Bnoy ser.. e Enol.. PA 17025 916 S. 14th Stz...t .ecoll"'~ ~09-00061:jf Ii .'C , 371.80 $ 0.00 Credi. tor /I : J ~g99 Rersonal School Tax lue JlIenft6boZOCl Schoo~ Tax Coileetion Agoney: 1".. ot~:J.t:. BiO VDli"J' se..r..e .Ponn c...di.t Cozpozo. Uon Enol. pit 17025 1/16$, i4C11 SUitilt A.c~nl "40 J $ 174,00 $ 0.00 c"ldi tor I : 4 2000 Sewe.z:/:t'ra,sh hst p.nn.sbQro 7'otm;.ahtp 'S $, EnoJ.. Dri.v. Enol. PA 17025 I "~~~\Onllljo. 09-i4-08J2-3U J $ 57S. all $ 0.00 Credl tor # : 5 2001-01 R..l r. ea t:. ~AX IScllool) J..,ft E, S.:LddJ.., rox CO'.1l.~tor Z.sc P.nnsboro ArQ Sellool 98 .0" e1l Enol. Dz'tv. rtlo':'. ~A 17025 I -~ 11 $ ii.OO S 0.00 ;,,=-..,,It,lll' 202-36-5115 'crod.i tor ,: 6 2000 ~er.on.l ".ox ;.7ane .E, Bidctl.. T.ox Coliector . 9. south Enol.. J:Jr1ve Enol. PA 11025 ;/0'-'2-$613 " . 11. 00 S 0.00 :A;;clll\\NCI 'Credi :or I : 7 2000 I'e.raonal ru 1J',ane E, 81ddlo, Tox Co~l~tor ". ",out:.h &n.:>~.lII tr~v. .Znol. PA J,"D25 , Sr:ee: 1\10 1 of 2 conlinuihon Sheela atrichIa to Sublotal $ 2,413.19 - - (T0111011",. "I') SC1'le~ul. of Creditors Totol $ (VN onlr (11\ 1.11 page of Inl "mp1a\1l0 ljC.'Ied",11 i. RtPa~ 10ltllllll en SlPTlIlUll)' of kntGl.il.tJ JUH 15 01 B5:59 PM - w . _ 0 ~ ~=__ ""l~, , P.13 r-' -.o.:lim)ffllh; ~ JF:M 06, [10'89) 'fIeal WIO\lP, RlKtHlIIII. NY ." re IlALS.tED, SR., AU E. afll1 HJlLSEED, 1'llr L. I Debtor Case No, [il ".,,"1 SCHEDULE E-CREDITORS HOLDING UNSECURED PRIORITY CLAIMS (Continuation Shael) TYPE Of f'RIORrTY :r""es and Caredn Other Debt" ""eel to Govsrnmen tal Un1 e" C"ditor's Name and Mailing Addrl.. C c u . Totar Amount Amount Enlitl.d i Oat' Claim wlllncurr.d, . " I I 0 and canlid.ration for Clllm " I . 0' Claim to Priority including Zip Cod. d I I P . I . , b " ' I . I . t ~--ttlld'.l\d . o W-WIP. . . . " I r J-JQint I I AcC:hll\\Ng OO,-OOOfH; H $ 291.50 , 0,001 ezed:. tor , ; 6 :Z000-01 par.onsl sohool 1'"" Jane E, Biddle, r... Col.1eeeor tI South Enol. bZ'.1ve .Enola FA J7025 . AC:t...NNQ 00'-00068J, If $ 29) 50 , 0.00 Credi. tOI" , , 9 2000-02 Fersonal School T"" Janl E. BiddIe, T... collector 98 South &nolo br.i". J.'no1. I'A 17025 A<<OIlI'I1 ~ ao,-00:Z:ZS4 or Ii 252.02 , 0.00 ""_..... , , 10 2000 R..l E.tate T~e$ Jone &. S.:f.ddJ., r~...SllZ'.z IS South "-,,ola briv. EzIol. 'A l7025 Al;:;QunINo l''-tO\Int ~CI AttQunl'ia lAc-'..lll.inl"'lO , I , , I Sne!t No. ~ of 2 continuation sheets att.c::hed to Sulllotal S 7J5.02 - (f:;...ltIlll'Il'Ng_/ Sched....ie ~f Credltor~i T olal S 21'56,71 (UI. Q~1 Ol'llall.,.it' Q' In. ~Dllll.e senllCllollI!. ~epor: 10111 .at!le ClII S..mm'r; 01 SQleDlolln) ',~, ;,,, J ,. ,,~ -"~'*'I' -"-.,<-,,,-"-, P.14 Ii.-~'~~, JUN-15-B! B6;0e PM . fO"lM B&F Ii/In \hint ~rol,jp, Rocn"ter, NY I" re llALSr:eD, SR., IlAY 1:, .nd HlILSI:S:D, I'Ar L. , Debtor' Case No. IHnownJ SCHEDULE F-CREDITORS HOLDING UNSECURED NON PRIORITY CLAIMS State Ihe I'\lme. mailing address, including zip eo"e, and ICCOl.lr'll number, it' any. or allentititl. holding unncured cllims without priority against the debtor or thtorClcerly of Ihe oebror, ,II of thl dsta of filing of the pltilion. Do nat include claime Msted in Schedules 0 and E_ 'f 1111 creditors will not fit on tn-is page use iht :a"hnuation sheet provided. I: any enlily other tnlln I spolJ'e in a joint cGG-e rrtsy be joinll)lliable on i claim, plaoe '(l"X" in the column labeled "Codebtor," inelude the .nlli~ 01'1 Il'Ie Ippr~pflatf scheduJE' of creditor.. and completl Scnedule H ~ Codebtor.., If a joint petition i.. filed. Stale whether hutblnd, wife, beth o( them. or the maritill ~ommJmly rn,y b. hoble on each c18lm by plaCing In I'H:' 'W:' ~J." or t'C"!n the cQI~mn labeled hHul!Iblnd. Wife, Joint. or CommUl"\icy." If the (:ialm 15 contingent. place an "X" in the column labeled "Contingent." Cf tt1e clam is UnrlqUidlled. pla~ an- "X" in the column labeled "Unliquldated." If Ihe clair.'! i5 dIsputed. pla:e in "X" in the column ISl)eled NOis,:lu-tect" (You may need to pllilce an "XN in mor8than one af theu three colum"s,) Repo" 101.'0' all cia..". I$ted ," lni. acnodule " 111. box "~led "'TOlar' on thel.s, shee' of the compleled schedules. "eporllh. 10lal also on the Summary of Sct!edulus, D Che:k thi, bOK if deblQr hali 1\0 erodilor. hQlding tlnsecured ncn,:lriQrlty claims to repgrt on thiJ Schedule F, - C Dalt'Clalm waslneu"ed, 0 u 0 Amount of Claim Credlto,'o ~om. and Moiling Addr.ss . r I a and Conald...tlon f.r Claim. . . ineludlng ZIp C.de d t I . 1/ CI.lm i. SUbJ.otto Soloff. 00 State. D . I . . b . I I t H--HuIDlnd . d . N-wir. . . . 0 " I r -Join' t ! "'~ -- 000BOSOOSI0Z6139818 07 B-OO $ '13.00 "'c~g",n\ No Cr.d:. tor , 1 Itlt.y# Nn:~onal DAnk l~ HcCl.Iand RQad It, Cloud Iftol 56395-1001 ,---. 07 8/98 $ 220.00 in--:lunINo 7l7...72B-(J7~1-2BO 0'1lJdi. eO.l' II .' 2 ~ll Atlantic Collection Agency: Co.1.1.0t.:tOIl 8y6e-.. Co.11.eet::.ch SY.~atU I .:rile, 1'.0. "'"' 4151 "ooclllnd .!lU I.. CA 913.5 ~- 6011-0021-3950-3319 J 9-00 56,721.35 AcGoIolI'\' No Cr.di tor # : 3 D1a=v8r C~d ',0. SOJ( 6011 .co".r .DE 11903 -" 0912040061 J '100 5 40,00 AiXCUl'lt~ Crec!.i :Q,r' M : 4 liUJ.:t Czoad:l.: Card 1'.0. 80.. 29212 ShAwn.. />US'sion "'S f6Z01-9633 -- 34-S206-12050'-5 07 B-OO . 5191.00 A~"1It"40 crodi cor , : 5 Hea11ing.rs It.O. aOJr ~O3073 ao..,81.1 ,a S0076 _. Subl.lsl i 1,992. ~;'I 2 conllnuatlon sheets attached - (TlII8IQ!lkIIP.QIIJ TolalS i {Fl.lIOftIClI" 111110" Bumtllaryol SCI'\8lful"l " , ~~ ,,,'",, , r,~ - -, ,< ,", ,:,- '.....;,',-'-~" P.15 <~, 'Glici, JUH-15-01 06;00 PM ::',ra.. l'1G~ 1M!:"; Wtlt ~ItlUC. RClNIIIltf NV Inre}!AL~E:CD, SIl., llAr E. and MAtUrD. nr t. I Debtor Caae No. (ifk:'lClWI'I) SCHEDULE F-CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS (Continuation Sho.t) -- i c Dlte ClaIm was Incurred, c u . Amount or Claim Creditor's Namt and M_iling Address . . ; 0 I d and Conslderatlo" for Claim. n I , Including Zip Cede I . . . If Claim is Subject to Setoff, 10 8t,a,tt. ; " " b n I I I ..HUID.nd . . . Ior..Wlf. . . . 0 I ..Joint . r ".CQmmun'''' . 3 Ioe:OUl\~ !'.IO 091-746-38$-0 01 5100 $ 45J. 00 CZ"tiIl:b.eoz' II 6 JC Penn.y P.O, lID.. 27570 i I~qu.rqu. NW 87125 , Iii.."" N.. 4j1J-0128-~70C-991C J flOO $ 4,H3.00 er.di 0.... , : 7 _ AIoertea P.O. s... 15026 wil#.tngr:cn ~ 19850-5026 i--- J" IiU $ 200.00 I\Qc:llIOfU."lO; C~(iJd.ieor , .. 8 ~~J /CFC National /lank !P.D. 80" 1560P ".!.lm!ngt~ ~ 19886-5609 1---. 01 $ 1.681.00 Acc:oI.f11 Nil 146-502-083 8/00 Cnd1 tor , : !J lion t17...."Y lioU"<D P.O. S.... 103055 1Io.".1l <M\ 30076-9045 lAC:cll.Inl NI;I" 12540-15009 J '100 $ 2'0.00 " Cral!iit&%' , : 10 7P , L Utjl~t!.. rvo Norch H.il1th A tr..e: !A11I1n:oVt1 .FA 1.8101 lAetounlNo 24-0E456lS~2 01 1983 $ '0 00 :Cn<:U.:or , 11 ;p.nnsyl \r.M.ia-Amer.1can WaC.. c. .~.20 rast t1n.i.on ser..e lH'~lk.#-!II1~r. .PA 1I70J \"""",,,. ~4-8'073-;O346-6 J 8/00 $ 2,195.00 C..edi co.. , : J..1 S.er.s PZ'lIDlili!lr card 1'.10. ,"ox BlgtH7 c.14tVtiI~.nd 011 44181 -.- Sheet No. Z of ----!.con\inualion sheets attached to Sch.dule of Subtotal' 9,'~0. oc (TDtaIOflll,ID.g'l Credilot5 Holdif\g Unser;ured Nonpriority Ctairns Tot.I' I l"IOOl"lIOlaIIJtI)011Sl,omm8'Yo1Scr...Ouln) .-, . L ~ - ",.' -'~ -L"","'-"~o:.<_"',, ,"'--.., , ....'~.b P.16 JUH-15-01 96:00 PM ~,JR:'M ;6; (!IltiJ Wt$,l G,ouP, ROC".I.It,. NY In re HALSf:ED, SA., .RAY E. ..nd 1!fALS~ED, FAY 1., fDebtor Case No. , IW known) SCHEDULE F-CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS (Continuation S~eetl .---- -" C Date Claim was Incurr.d. e u 0 Amount of Claim C'edltor's Name and Mailing Address 0 , " , and Consic;tlr.!ion for Claim. . I . i"Cluding Zip Code d I I . . It Claim i. Subject to Setoff, 10 Stlte. I . , , b . ; , t H.oHuloblond . . . o N_.... . . . " I r ~ O!~_"nJf. , ! I AecO:lnl.'lto 0&4-11&-914-5570 ,j B/OO S 85. 001 er.di c~.&' II : 13 s.vand1 Avenue 11.12 7th Avanu. Honroe HI 53566 Actoum llrio, 13-375-1321-0 ,j 6/00 . 5450.00 ~<</j tor I : 14 2'ax.~o ~.dj t CiU'd P.o. s"" 790003. HOU.Jton 'IX 77279-0001 Aeco.;nl"fll 064-116-914-584IL ,j B/OO 5 12'.00 ~.dHor , : 15 ~. $vi.s C~J.ony , .l11.2 7th Avenue I .tfonz'oe WI 53566 I -';cOlOl'Illi... 36749 ,j 1983 $ 95.00 Cr.di.tor , 16 V..t Sho;:. Oil 419 S~uth Sta" ~Q.d 1fa1'J'4~i1.\. PIL 17053 , :ACCOijI'l\NO: . ~;;tlunlt.c ~~OUlllf\tO Sl'Ieel No, :1 of 2 continv.tion sne.tI Ittached to Schedule of SubtGtal $ '57.00i Creditots H;ding U~ NOr'tP'lority Claims (TOIIIOlIh"PIQ&l -, Total $ 1S,59.9.251 (A.~Ig\.11I150~a..ll'l'\l'l'\"'rO,acJttd1Jf&.'l ., JUH-15-Bl 06;01 PM , "~ , . "' _ c t ,~ , ":,..' "~'-'" - "~,, P. t7 'i;,:! ~lO~,*" r~:-M 8ir.'10'8'1 We\] GICUf) ROtn.'llr. NV In re,!fAJ:.SC:Ll, SR., MY 1:. and MALSE:E:CJ, FAY L. JDabler Case No. liflVlown SCHEDULE G.EXECUTORY CONTRACTS AND UNEXPIRED LEASES O!ll~rlbe all executory contracts of any ""tur, and aU unexpired leaSea of real or personal property. Include any limlsharl intert!ts S:a~e ilture of debtor's ,nteres!$. In contract. 1.1.. "~urehas8r,""Ag.nt,- etc. State wnether debtor is the lesser Of lessee or I tust!. Pr:;ojlce U'Ifl n.ames and completi mailing iJ~d-re5ses Or an Other parties to each luse or cQnlract d..cribrd. NOTE A patty listed on lhi$ ,"chedule will not recliive notice of the filing of this case unleu lhe ~al1y is alSQ SC;hedulea In the appropriate schedule of cradilOf$ I!J ChtJc~ thiS DOll I' lhe debtor l'Ial no executory r:ontra=ts or I.Int)(pirecf relses. Name and Mlilil"U Addr.... including Zip Code. of other Parrill to Leise 0' Contract O..cription of CDotrllGt or L..... .nd Nalu" 0' DebIO(1 Interest State whether leise is for NonrssiCIentia. Real Property Stste Contract Number of 81'1)' Government Conlract. WE, RAY E. w.LSEED. SR. & ~ L. w.LSE:ED, husband and wife. do hereby state that we 1D:'e not a party, 1nd1vidu~1 y, jointly or (;Qllectively to eny Executory Contr~ct(s) other than what is set fort . in the Bankruptcy schedules fil=d to the lIbove docket llIm1ber. I L i J Page ~ 0' _____ ~. ~"" " -11I!.h .I!:Iiliiil ~l1i;(:1'11c,; JUN-15-Bl 06;81 PM P.18 ~~RM 86~ ~6ieOJ Well GfQUP, Roehrl!", NY In re IfA.!.SEED, SR., MY E. and HALSUD, FAY L. , (Oe~lor Case No. (ifknOWIl) SCHEDULE H-CODEBTORS Previae 'hu informaticn "quasled concerning any pers.on or ent~y, other th.n a .paun in a joint eSiI. that is alGa 6.bli on any debts lilted b) aebler in me "ned-urea of cred,itor&. Incluet, .1 guaranlo.rs and' eo.tigners, In comml,miry property state" 8 married debtOf not tiling I joint ease S"ould report the name and. address or tl'le ncndl!btor .paUSI on this schedule. f~lud. al namB' used by the nondebtor spouse curing rhe 'ix ye,rs immet;tiilUtly preceding the coml"/'lsnc!:m.nl of lhis c,.., I!l Cnedllhis box ff In. deDlor has no cOdebto", Nam. and Address. or Codtbtor Name Bnd Add'... of Creditor -- . Pig. --l. 01 --L '.'~-"'~*-= .-.-.', ~- '" -if. - l, '" ,.;."-~",,, ;.' ~' 1 ~-- h -hli--ifijf&llli~,,,- P.19 JUN-15-01 06;01 PM ~ ;,p.~ BSljUltQI Wn' ~ro~p, ROi:I'tt&ler, NY In re MALSEED, SR., RAY E. .nd HALSEED, FAY L. I Debtor Case No. (itknQwr'\' SCHEDULE I-CURRENT INCOME OF INDIVIDUAL DEBTOR(S) The 'Jlum'l labeled "Scou!."" must be completed in all c:ases filed by jOint debtors and by a t'narrlea debtor in , enapler 12 Or 13 case ~elhe~ gr nor i (Olm Oe!I:IQiIi 15 f.ltd, \Jnless tt1e 'POL/US are separated and a joint petition is Iiot filect, Oetlor'i Milrllal DEPENDeNTS OF DEBTOR AND SPOUSE 5111\,;& NAMES AGE RELATIONSHIP IUrzi..d Su..1I MalsAed 28 Daughc.r ICymbe:r;-linn Dean 5 G"r.nd'~u:gbt'.Z' J'.i..1.... Dean . GzoAndsol1 I Hi..!>...l DnA 8 G"ranctJ:on EMPLOYMENT DE BTOR SPOUSE I OccupaliCln J,abozer Off~... Cl....k Nlme Of Emcllcver >>ES/f'ru Tamper UI1~t.d R..t~ur4nt !:",,;.cmen t Hew lOne Emcto".d , year. 22 "..r. A~.rese ~f Employe, 465 RaiJ.centiS A".nU8 2980 ,]~~t.rson SC.liS&t CAIIlI' Hill ;A 17011 Harri.=uz9 l'A 17110 IIICome {IUhrt\J1tI Of _Vlra;_ m~r"ly jncDmltoJ OEBTO~ SPOUSE Clorrerl ~crlhl~ ;ro.. w.g... .Iltry. ami c:ommiBIIQnS {pro r1I11P,' !'lOt ~ilf monthly) $ 1,..0.00 $ 1/720. 00 Eallrn."a MDnlnly O'olenime $ 150.00 S O. 00 Si.:BiO':'''~ S I,BlO.OO S 1,120. 00 Lns ~AYROLl DE:PI,JC'TION$ . p.Y'O~ T81l" ana SOClIl Se:t\,lfl\Y $ !J!JB.n $ (U. 3( l) Inllltanee S :.30 $ O. 00 r. UnltlnDuell S 0.00 $ 0.00 o Oll'l~' (SDeo1ty): He,:l.i....J S 99.'2 $ 0.00 SUITC'JTAL:)I= PAVROLL. DEDUCTIONS $ 660.30 S (((.3. TOTAL NET MONTH!. Y TAKE HOME PAY $ 1,14'.70 S 1,275.6. Atll\llilr Incornlll frgm Q~.t1Qn of bldl"I" or ~'llf'I'iPn or flltm (.Rlen allliltd' ltatement) S 0.00 S 0.00 Income tro," R..l ProOf'1\' S 0.00 S 0.00 lin,rlll aM ril\lldtMt S 0.00 $ 0.00 , "'imen,.. I'I'Ili'llll'llnC8 Qr 'LI"~ ~m,"" pay.bl, 10 !PIe dlDter 101 'the debtor', loll' or tk,' S 0.00 S 0.00 i lIfa8pelloenllllllMaQ""'e, SIlt;lIIl Sec;.oflly or Om-Of go"ttnmlll1ll1tr.lat8nCII SC.l=I'~ S 0.00 $ 0.00 P8!t1.1Or. ~r 'tltlre,".l'I~ ,",omt S 0.00 S 0.00 OUl" ""Qnll\l~ .IlCOM, *~"Y Nut Income ~SOll1 JQIlare $ 0.00 $ 300. 00 TOTAL MONTHL v INCOME S 1.141.70 $ 1,575.66 b TOTA~ COMBINeo MONTHL V INCOME $ 2.725.36 (AII;ClIt .1.0 an Summll~ of !C!'IeGlIl'.) I Des:nce any lf1crsue or d.crease of more than 10% in .ny of the above categories 8nticipllea 10 OCC1Jr W1trun thl year following the filing of tl"lis ! document: I I L Pa;e 1\10,--1,. of JUH 15 81 06;01 PM >0,., ,~" " P.20 '~'-V4'" i!'~M BSJ :.110) WI.t GrOllI', Aeeh.'tar. NV ::'1 re ~~SR" RAY E. and HALSErD, YAr L. I Debtor CElse No. (ifk;nowrl SCHEDULE J-CURRENT EXPENDITURES OF INDIVIDUAL DEBTOR ':omplett tnis sehe:dule b~ estImating the aver'g' ,x~e"$es of the debtor and tn. deb\Qr's family. Pro rate any ~.ym.nt5 made bl.W881c:~, q\,l:uterly ierr,l.ifnn~ially, or i1nnua~y lO show monthly rate. o C,'iCIc. !tIlS oox if a JOInt pehbon il flied and deblOr's spouse maintains I ,epatale household. Complete a separate IchedLlle 0' tJ{penditl,uealab.led "Spov". " " Noma m"I'lI.f\ttl~ (F.~r.I,r. _net \lPkeep) FcOCl C'Cll\iP"; I.lun!:l~ II"~ 'Il' Gllllanlng: Mea ;il;lIrdCltltl.I~Il;3I!1l\6&1 ir~","QI'UI,l)l'llnal,"t:llll:llna. c., Ol:ymenl6) R.;rllllgr. eluDaand em.rt'lnment newlQ:lp.rs, mlll_lin.., '1=. C.'llttaaleCDnlnDuhor,a Insurance (nOllleau:tto fro,," .IV" or .nc;/uded in nome mortgB;!! Plyment,) t10mIlDWnll", or rantar'a . S 900.00 S 170 00 $ 35.00 S 35.00 $ 20,00 $ 30,001 S 1'6.00 S 600.00 $ :0,00 s 30.00 S .50, no $ 200.00 $ 0.00 S 12.00 S 185. 00 S 0,00 S 100.00 S 0,00 S 0.00 S 0.00 $ 130.00 S 0.00 $ 400.00 S 115.00 $ 2H.00 $ 0.00 $ 0.00 $ 0.00 S 150.00 ("'00" 1110 on Summlf\l Of Sel'\tO\Jlel) S 3.'23.00 R'1'l1 or nomt mona'gll D.~mIInl (In(:luOI 101 tent." tor mobile 1\0/1'11' ArlI faat .""t.II"~1 ,"('Iucted? y.. 0 NO. iii II gri1P8tt, "'1W'.n~ '1'Il;I",Ofltl" Vel 0 No !8l UlI*UI: ~lKlric.lt.,.l'ln(l nulll'l; futtl Vl/tlter.nlJ .ftWar 'ral.pnorr. C'lner G.~ C'th.r TV C-.ble LII. !'lUll" ."', C'tP'ler Ct_ Au co Zn.=anee ~. .11'11:'1 ud.d ,,/ HObbIGamar'. p.~nt i8l1.U (nat aeeM;l" 'lINn waitt ~ ir'l;lllCita in noftle ~'l1e) 5".,"y Scllool/hoperty l!'ll:"lm.!'l\ PI~menllil. (in chapter 12 and "l~lt... do 1'101 lilt I)al'mtnll. 10"' itll:l~td in In, plllll AulD Olhtr: J.997 cnev.rolet fz:uek OIMr: 1999 Du:teJuun C&rzJF$r Olher' Sl.ding Alime'ly_ Iftlmlll"l:"" Ina Il.tOD~ VfIO 10 olner. P'Jl1\~I. lOr I"Dl)Ql'I; (lr aGdlllONlI depend.nt. not livinlllt your hom. AtOll:.r 1I.".n'II.lrlOllT, oper,bOn tJf lSWSlftet.t., prate..lon, or term (attach del.lled 118\em.nl) Omal ML5~.11.n.Du. S~dry rC~ -. TOTAL MONTHLY EXPENSES , - JUH-15-01 06;0~ PM F~,,,.CO'lL 1""'" l.'-J~_-.t ZiMlil~,""M' P.21 United States Bankruptcy Court Inre RAY FAY MIDDLE E. MALSEED, SR. r,. MAf.!=;F.'FTl. htJ~h...nti t,'wifA Debtor OISTRJCT OF PENNSYLVANIA Case No. SUMMARY OF SCHEDULES (If known) InCllClle as to tlen ':heoule w~etherthat SQ!'ledule is artac::neCl' anO' state 11'\e numbe! 01 pIS'S in I.e~,. F\.pon lne lolal, tram Se~.~ul.! A.B.:),E.F,I. anc J ir-: ''', ~C1l(1S provided. AOd If'lt amoun1s from Sef'ledules A. and B 10 Oele!rnlne tl'le :Olal ir-lOl,lt'll of 11'11 oeOl0tS aUlt!. ACSCl trle amountl""m SCl'ledu111 O.s.. InCJ F 10 ai1ermine Ihe 1C1t.1 amounl ollhe ae~lo"s liabilities, NAME OF SCHEOUI.! ...ro...CHED NO. OF (YESlNO) SH o!OiS A. /=teal PrOPC:1)' y '1 s . p!rsor.eIPraCJerty y 2 c. PrDQe,'f'j C:.-irtled Y 1 II Ex.e"l'lot o . Creditors I-lOICJine SeC::~d Claims Y 1 E. CreenOts HOlding Unlleeuteo y 2 PncrityC:eiml F. erectite-fa Holoing U"leelJrec , Y 3 Non PriOrity Claima G. E.eCUI:lry Coruraets And Un@IC:JlrlJ~ l..all.5 y 1 Io! . C;)d8!ltOfS y 1 I. Current lneome of y 1 IndividuaIOeOlO'!') J.' Curr81"tt 5X;)II'\CIICIJ'fl af y 1 Indh,ndIJaIOebtot(s) 10tal Numb.r .r Sheets l' ot "'~L. SOheduleo.~ ~ AMOUNTS SCH:OUL.EO ASSE7S ~IAaIUTIES OT~E~ J 76.000.00 .{:;~;tl~~~:;,~'V~~4~~~~~: 'H~::~:;;t(;;1:/f;~1n~~.~' :;~~~~}j~{~~~;1 }~~ 130,937.36 2,856.71 18.599.35 TClt.1 As..t..:;. $ 80 003 00 , . C.Z LEGAL FORMS. Tot.1 lillbiliti@9 .> $152,393.42 t.7 - JUH-15-Bl 06;03 PM A~" J.k;',,;>,;,,-, P.22 ......... i:W.~"A< . ;orm 7 (1'01891 11\." Group. Roehe.ler. NY -' UNITED STATES BANKRUPTCY COURT MIDDLE DISTRICT OF PENNSYLVANIA IMe MAJ;SUP, SR., &\1' E. and MAI,SEEP. FA Y L. Cese No Chapler 7 I Debtor STATEMENT OF FINANCIAL AFFAIRS This statemenl is to be completed by every debtor. Spouses fling. joint pet~iO" may file I sirlg'e ataten'letlt on wr,iel1 lhe lnformlllion for both S;10USP.$ is combined. If Ihe casl is ftied under chapter 12 ,or chaptaf 13,' married debtor must furnJsn informalion for beth .pOl.ISeG wMether or not 8 jOI:'l1 pe:rllOr:s filed, unleu the spouses are lePlrated 8nd a joint petition 1& not filed, Art Individual debtor eng.ged in business as a Solt proprlilor. partntr, fa",;l~ rarmer, or &etf.em~loye~ professional, should provide the information reQl,Iel5to~ 0" this 1\I'ement i;on"erninli all such. activities iUi woll 'l thl indl\',ljual', I)lfaOnallf{llrl. C'\.I.stien. 1.'5 lUG to be compleled cy al deblora. Debtor, that are or have been in business. IS defined below. tl$o must complete Queslions 16.:1 Il(nu answer to any-question is ..Non'.... or the queslion I, not I$pliclble. m8rk the box l_b_1ed "None," If additional space is needed for the anSw!r 10 any ~u..tion, use and attach. separale sheet properly lder'\tlfied will'llhe case name. eaSA number (If knOwn), end the number of thA qUAIIOlt DEFINITIONS "1,1 bu5Ineu." A debtor i& "in blJ.in..." for the purpose of this form if thl debtor Is 8 corporation Dr partnership_ An indi\lidual debtor is. "In bUlln","' 'm the pur_ol. 01 this 'orm W the debtor is or hal be.n, wIthin thO twO yea's immodiltaly preceding the r~1I9 or this b.nkruptcy e.... any 01 Ih. fouowing: In CltrlCer, director. managing executive. ar peraon in Ciontrol of I corporation; I Pirtner, ather tllan II hTlilotf panner, af iI pilIrlflership: Iil 10le C1rOj)fieter Of self..emproyed . "Insider," T~e term "insider" inc~udes but is not limited to; relatives of lhe debtor; geneta' partn&rB Df tn. U8Dtor end- Ihelr relati'llles; eorpotationa of which t~e drtbtor lien oWlCer, cfireclor, or person in controt amell'l, directors, and any person ir1 control of a corporats debtor and Ihair ritlatN8t; af(~iales of t.. "oble' and inlid.rl of IUCh alfdietos: .ny managing agent oI1he deblor. 11 U.S.C. .101. I. Incomelrom employment or operation of buslne... Stit" tll. ~Oll .mOuM 0' il'lClDmt' tl'll a.l:llor nil ,.~v.G trClm emplcymllflt. lreae. Dr prut8l11ion, or hom oaerlllOl'l of II'le atElIor. C~lln.16 Irom Ihl beglnnlnQ o' tnl' o1leru18r rear t~ the 11818 lhll ca81 wal cmmm.na!ld. Stilt- ~ 1'" 9';" IrrlCIVlltt' rtCOlvea ounng tM two ,..,.. ImmMlill!el1l1ret:8dinlt trus CllenUr.,.1r (A OetllOr trIll I'l'lllntlil'\t or nit rnIHIII.,n,a. fcn.flOl' roOOrd, all U'e 'tai. Of .. 'i&l31 ram" thin it CIIllrtQar ~.r may tepa" fi9al1 ye'l rntllnu!!. unu" I"" oegil"nil"O ,nc: ,r.;ln; (I1!t!' Dl lnl d.bl~rl fllCltl .,.Ir 1 If. ,tOil'll PlltllCr. i. lil.~, itals incum. fof .Im .III1U. "pS'8IBl~. ('-"Irrlla C1.DIOrl '~Jna IInalf enlDI,' 1:1 01 cl'\aPt'r 13 tnujl &lll~ ,!l.e.)l'l\e.)t Dot" IDOIJIH Whether Of nOli jOlft! Pllilion II flied, uNeu, 1ne lfIaulet 1ft IeOll'llteCllnC Ijllinl p.hllon]II'lDI fw.d.) AM.JU NT rea~ eo date: $25,012.34 (husband) SOURCE m mote thIn one) AMESITru TeJllper 46S .Railroad Avenue C.....p Hi.ll, EA 170%1 (Hu6l>alld'.. employer) Y.e~ eo daee: $16,059.41 rvu.) Pa:c..eltue emp.loyment $1,200. ,)0 tTni<<:ed JlG&t:aurant: rqu.ipaent: 2980 Je~~er"OIl Street HIl;:ri~urg, PA 17.110 (Wi~e'.. ~ull-time e~loyer) I(-M&.C CarH..1e Pike Meoballi.""l>urg, PA 17055 Statement 01 Affair. . Page 1 ,~=." ~ ~.", . ,= ,j _" '':'--1 ., ~~.-&,,' .,,,,",-' P.23 M~i.i.lt!"h~~. JUH-15-81 86;03 PM "~'m ~ (IOla91 lIVe" Group. Rochesler. NY ~~i:STJON 1 CONTINUED. .:Mf:llli:~ SOURCE (if mor.than onel (Wi.~. ':r Part-time Employer) 1999 Ineome; (.J"intj $53,876.00 1998 Ir.com.., (,Jo:int) $50,000.00 2. Income other than from employment or operation of buslne... S'818 111, .mown1 of InQGfftll li!'OIli\>lta by t'" d.bl'llr 'III"'., ''''A" ftOm e"'DIQI~Il"l, ttaOt. profIlMla", or Opllr&ttM aI' \t1e O"~Or, OI.lW'lMl. 1S1olo1""9 '.... twe "'111\ l1TImea'll\~y preOtdl1lQ lilt OOtYfTlllnotm.tll or ntt. C5Y ~\la pal"llQ.lI.rl, " . JOInt PltitiC" I' filftd. "all lrlOQlYlt lOr Ilai:n -'"". ..paralaly. IMarrlllCl IItolora filing wl'Iar maplet 1.. Of ~'1l1ll 1) "'1.111 6tille m(,OfJ'll lor .Iler. 'PCUIe wnetr-tr or nol I jOll'll pelition ij. filld. unfll. I~' ",ou"IBrll_Cl,rl"" ilnCl iljolnl peUlIClI'l.a "01 filffl.l IKI NONE 3a. Payments to creditors. . L.11l .M Il'tm''''li ,)1'1 lOt"'. ,,,at,II",,I1" ~l..,d\.... at ,flod. or IervJc... anG ather "'*13'., ';lI'r~atln; mort t/'\ln J60C to Irly O'I~ltO(. maol Wllhln 8C ~'r' Imrnldiilteir IlI'l!Jf*ltir; t~ COl'rll'NmCfmlnl of thia allie, (Ma"ed crtDlor. filing under Q'\I~1tr 12 or C'illtPltr ,~ "'J.l1! inauae pl,mlntl bV littler 0' OOlh SllOuSlI whIIlher or "01 . 1011\1 !Mhllon ..tllta:, 1.1"11'11 U\' IpOJ.I". 1111 filJlara1ed JIld . JOIn! ptUIiOn it not Iiled,) NAME AND ADDRESS OF qREDITOR DATes OF PAYMENTS AMOUNT PAID $675.00 AMOUNT STILL OWING Cr.dHor: CI'l' Group/Sales 1"1".n<:i-1fl, Inc. Addr.~s: 71.5 Mat:.ropcl.! tan Avenus, Oklahoma C1ty, OK V'aly Augu.ve: Septelllber Cradito.::: Addz's83' ('MAC PO BOK 971, HorahiUll, PA V'aly August September $1200.00 C:ftdi tOl~: Household Finollnee Cozpcr.r.10n Add:es6; 25 Gat.way Drive, Hechan1(:llburg, PA V'aly Augus t September $2700.00 3b. L'" III ~'~,"'''I. It'l1G' ~Iftift on. year jmm.di'lel~ D,.COclin-Q thl mmm,ncernent of thia _ II) or fOr the tlenetlt CJf CMdilOt6 wno .,. or .....lI'lllatra. CMilrtleCIlleblcrlO tllirtg ul"d" en'''I!!r '2 or ctIlprtr t~ mull itldudlt p~.m. Dy .ittler ot Elam IpDLJa& "",.tl\ll, or "Of B join1 "titiOn .1 fllatl, ul'll.&& in. lpolllltl are "pII"",O 'fiG '!(I,nl .11'11110/'1 It 1\01 flleO.1 181 NONE 4.. SyUI and administrative prot.edlnga, executlonl, gamlahments and ettachments. LIII: IU kitl 8n11 81:1I"lnlll'8t,\>8 P,eocedWlIi' t~ ~ IN GUt!)r II or was . ~rtl" within CIne ytlllf imme4IBlll1y ~,.atCll"g U'IC' filing 0' tl\il b.n~Cl'0 ca.. (Milrrl.li Olllllora '11111.. .fllNt NCI" 12 0' en.pter 13 rnu,llftchldtlnf'O/T!'l.liOn oonwming .i1l\ar 9f DoIft OOw.... W1lunar or nol II JOIn( ".tilll)fl 'I,n"r:. 011\1.11 Itll lI)Cultn ,r. "~rale; anG Ijell'lIItllIIIOnIl110IUu.) 181 NONE 4b. ljest:IN "'1 proD.nll 1M! "., b..n .n.Ch.d. ,Iunianllcf or IIllplI IJI'\IH/" -Iny J'Q.r -or '.Qwilaallll p'O... wil"'tn 0"' ,.., imm.diillely ,HlIr;eo""lJ Ihe C1Q"'mellCllmMI M [I'lIJ CDIf (Mer'lU deOlor!!l li!,l'I" unaer ~aDll!lr '2 ar d1l1llllr 13 musl IncfllG:. lfl'Ofma!tQf1 COnCll!rI!i!'l; OrOp'rtl d eill\lr or tll~lft 1pOloI1e' wn.etht-r or 1'101 . JOI"t pllll~1'I I' 'llta u"'.'" till' "0"'" .r. "p"'''CllnG . jalnt ;elitlCln I. flDt fil.d.) IXI NONE Slatement of Affair. - Page 2 -, -- ,-. .L ...' c ~~~""'-"""ilJ~;:d':- JU~-15-Bl 06;83 PM P.24 '~rni 7 ;IOIll9) We$1 Group. Roohester, NY ~ l'Iepor.aesslons, forecloaures and relurns. . -"I' .1" p'Dpe"y Il\al ~.s been repopeMl:l l1Y. aedilor, IOI~ at. 'ortdOllUre IIIle, Ir."l1trll11 tr\fO\l;n . Q'."Q in lill\l of hlfBOol\.:lt or ,.,..IT''.1t. ib \he aIlfr/. "',\1'\11'1 ane tta: '1'I\",,''',lel~ pI'1201ll, I", CIllmrntnoem8n' 0' 11'111 caM.(Marnld C114'b\CfI f~lng I,Ifl;er =nlp11f 12 or d'1aj:llor 13 mu&: if\auae ,"'Gr'?l.uon aonttmu'a propaM't 01 '_\'1'1 Of COlr illOIlI-" lMle:her or nQI . jOl"1 pelitlCn IltileQ, "rile,. tn, .pelol.' Ire IIglralad ,nc aioil'll Dlriuot\ir. nel r~e(l,) :EJ NONE 6a. A..I~nnlenta and receivership.. :Jfscr'~t' any n~I&!\met\1 Qt' pn:::lDI!o"~ for lne b.n,til cl Ilt.GnQrli m..c. 'llflnln 120 ell,. imm.dialelr j)reeeCil'lSl 1/1, oo",mIMCliffit:n\ af Inll till! (M,ni'd Cl.alo~ r,IIt\Q! un!!er ~lnt' '20\ tt'liu!-Iel ~3 mUl1If\~'olU any ItYlQl'I1'I'le"" 'elf'I\M.r 0' bo,n 190"1411 Wnll".' Q~ nOI a Jo\l"ll plllticn II'ilea, L.Inlei8 IIle IPOUM. a,. ..patllce(l 1M t 10ln1oet'llOr: "~Ol hi." l I&J NONE 'b. lilt ,11 ClOpel1V Wh-lat "8' be~" in 1M ",tlGl 0' II Ci.lsl~t.n. I'tClliv.r, or =urt"PCll>nle" Of tic II wtlMHI on. yeer imm'll"iell' pr'l;IIding lhl carnm.nce"lIN Of Irill UiM: Ir"''''eo C1eb\or, '11,n9 "netr Chile'lt 12 ar c:t'I'l)ler 13 mUll In~...cle 1I',lorl'l'llion =nlllrning propany of til"" Of bonl ~u... w~'lnM qr nOt I loin. llllllflOll ~ liI.a Ior\fftll". lDOUM' .r. ..p.,.lla ana .,0"'" ".1'111:111" rKlI fll".l I&J NON: 7. Gift.. L:I' .. Itll. or cnardlbll conlributlOnS m.a. wilnin an. ~.f Immediately prllOldlnl lnll tIlrnm'!'ICeIl'iel'lt or Utll m.. '.Dlpl CIGlft.")" It'lQ "''''111 grf'. 10 I.mil, m.moar. .,g~.llng leu IMn I.OD In V&lUI per individual r'mlly memDIr ."d d\8rit.Dl, COnlrltllolUOn& I~;:tttlling I.. ml,.. .10,0 HI' rlciCl"I'I1.f1w1.'l'IaG 4UIOtli hlirlg uIIG.r l:fIilplet 12 !If dill/ll.r 1:1 mU'1 i"auc:i. ,lftll or OO,.t,ltll,lT;onl Dy 'llhlr or DOt" a,lOl,lM' wntlft,r or nVt a joinc pellllon " 'iIta, unl.lllhl 1p0\lill Ira MOltlllG: ....lI' II Joi", "11111'0'1 'I nol 'u.. } !ill NONI, e. L...... 1.'11 all 1o~1 from fHI. lhatl, Oll\8r ClIJullly or o.mbllll8 lM(lli" !It'I. year iIl1t"1I:0ial.l)' "recedin; the lZm/Tl~il'\Clm'flt Ij1f d'lIs cal8 or Ill1ee In. CDmm.n~tJllnl olIn., QUI! IMtrrle:f Ul:Itor" tJllrlD ~Plcttr (l\abter 12 ar maIMer 13 I'\,"ltt inClude 10&811I1 by .hne, 0' ~otl'l IClOw"" """8\tllr or nOI . jo'nl ~litiOf'l i. riled. l,Inle... the IpQVlllli .,. aoPtr'I,g Irnl Ijf1lnt DlIllllQfI.."otlUH.) IBl NONf. t. Paymar'l. related to d.bl couna..llng or bankruptcy. 1.111 _Ii p')'f'1Cn1, "'..", Of Dropeny lr."srerfed b~ or On b,h," a' U\B Glbter 10 Iny HftQnl. inc~UGlnD .lIo,neyl, fOf c:DnSUllation D'lCWr'lil'\Q dfbl G:lntohCl.hlln, 1e~.IIII'II:lIr I". HIlIltvIlIq- llw or 1l"llltlttOl\ 0' I pellliQfI in tllllnl\n.lplQ' wilhan one ye., ilTIm.fli.lmy III"ltclIliinCll'" (Dmmtnc>>rnenlCl'll'ti. call8. NAME AND ADO"ESS OF PAYEE OATE OF PAYMENT. NAME OF PAYOR IF OTHER THAN DEBTOR AMOUNT OF MONEY OR DESCRIPTION AND VALUE OF PROPER'7'\' Pay....: S..tUl"'.in Addr..u: $u'"c Ha~ry M. Da tit of! I'&ym.n t: 10/16/00 Payor, }lay, Fay Mal.nd, Jr. $890.00 7H N. Set:ond Harrisburg, FA 17102 10. Other transfers. ~I'! all ~ll\41f pro""y, cUler ll\at'l flfop""~ tr&l'l,,"OIT~ in Inl aralnary CIO\Jtte Of "'. a."a"cu or rinancnr .rr"r, a' tne aeDlgr_ 11..n....fraa enner ,I)!IIOfl,jlel~ or 'I IIC,IIII, 111II'111'1 ont ,II' imm'llllttl, pt'eCllding Inl g;lmm.ruzrnont of tl'\i6 caae.(M.rrioG lIeDlOl'l filno Ul'lCllr dllPI8T HI or Cf\.tntr '3 m... IfIdutll j'''''''11'\ Dy ell~tr tit DOln tpovtl!e ''''In.r a' t'lOI a tlM\ ,,"tlllG" 'I "hill:, wnl... U'. I;lq\lOlt'lre ""ratea: aM alalnl'QaIl\1Qft II not flleC-.) I8l NONE II. CIOGed flnancl.1 ac.ounlll. L"l .1l1l"'''l;Ial .!:DIV"'. ",d 'nIlN,."nt. lIald 1ft lI\e ""ml of tn. C1IOlar or for .he be"OII\ of I"e !Millar whla'l were QIOte4, IOlct Or gtn.,.!. Ir.nller'" ",ltnl'" on. ".1 Immlolllllr precKlln; Uti Cl)mmlna!menl Of tni. ca. Ina\ld. ~tCId"" ......ins.. 0' etl'll' "nana,1 .o:DlInt., Clniflcalt& of "tpalll, Ol' Qtnlf il1l1rumtnu, IIlern Inll II\lr' ll)eOllnl. ntl4 11'1 OlnlU. .:r.1I11 IIn;oM, p.".O" (wnd_, GlDOpltt8riY.a, luaci..Ion" or;ker... tTO\llllt. Ilia QU'ltr 'ut.ndll Inli'Hl.II.ian.. (MI"/tll 1I0DI01'I r~lng urnl@' ;J\IlDler '2 0' ch8j:'llr l) ,"ull ltlawOI information =ru::etn'I"1J ICICO\In11 or Itlltfl.lmt,lU 1\1111 " or far tllner 0( bgth apOUI8I whelh.r ar !to( . jl:lirrt p~'t;on 'I f~@O. liMit IDOIJItII" 1t!'"."O' ,nil. j0lf11 peliliol'l it not 'Ileer.) 1&1 NONE 12. Saie d.posil boua. vII ..0' .,f_ depcJ/1 or octtl' DOIll' C1~ d.poaJtoty IJ\ ""hid! tPl. "0IQl' kIr, C1r MG _a.lfltlle, eeah. or OIlier ....1\1...1.. W1'~ in one ~a' unft1OC"'tlly Prftllilfl;, Ill. a:lntme~mtnl of Inll ca....(MBniIlQ lIebtora ruing under cnapter 12 or eft.pl.r 13 Must indude be.... or apO.itOrlll or 'It/'ler l)l' 1)01\'11001,111. WMtntr or nOI . jOmt OCllIIOr il",ft, \1"18. In. 1pCl"". are ,.pat.l.d .n4 . jDin' petitiDft il 1'101' 'hili.) I&J NC'NE Statement of AlIaira - Page 3 "" -' ~ . " , , ~ , ;..-- ., " """ _il' - """"li.."'''"-'-'lm:1fIil "'~",-,.g_,,,_ JUN-15-01 06:04 PM P~25 .;erl1i 7110(89) Wesl Group, Rochesler. NY 1 J. Setoffs. l'. JJt _off. mad" b.y '''y credil.Ol'. iI'Ict\lriit\g . b_n.1l taI\tl&1 a (teO( OJ deOCI\{ 0{ the Gnl.Ot WIthin tD diY, prtWOlng: the C1Dmmancemenl 0111'111131" rM'!'r..lleOllul '1.11"I0 under crt'pler 12 01 r:Ill~..r ,;, J1'J"" inawd. inrorm'liall Q)tlCilIrning .aha,- or t10th .pou... Whal"or or n01 I Jojl\l Dt1ihon ia filelS. Iolrll'lIIl~t 1H1ol". af, leo'ral_; 1M 'I!!"! pttiliCIt 111')01 filla.l :BJ NO~E ,.. Propolrty h.ld tor another person. :'.1: .t- prop."l' OMl.1It Dr Il"Olnar perKIn 1/'181 t/'le lIeblor hOlo, .,r ClDJJITDl8 I8l NONE 15. Prior address or debtor. ft l!'lt Iilb\OI' !\at ma...ed oM,I\\1\ "\e twe ~"'i ;m!T\ectiat'tty ~cuint tt\o t>>mmencam..,." 0'1 thi. mae. Ii" ill. p'.mlJet w1'lltJ'l UUI oebtor Cr::tuP"C1 4uM~ thlll PPflOll Ina ~.C8led prlDf 10 It,. l:Om""P'lCllfTI.,,1 Of 1"1' ~~ '" Joint pelitlon il filad, ,.pot1 alJO Inr MPlTal1 .dlrell of eitn.~ lQOu.. Ii1J 1'101'110 DECLARATION UNDER PENALTY OF PERJURY BY INDIVICUAL DEBTOR I d:ee1afl under penil!\Y or Perjury that I ~.\le 'BetS the QMW8f'1 eo"~ntd in the foregolttg ltaiement Df finantia\ affair). and Il"1y anatnment. l.tl~re'o and thit l'OY 110 !ruO ord corr8cll0 the beSI or my knOWledge, information. end bolier. Sign'lura 4 e?dP,f MA~. ~y 1:. ;a S9nllulO ~~ N wu.s D, FAY L. OOle NclVembe:: 3. 2000 Oate Ncyember 3. 2000 1l~J\\1t01 ]1'lal"lT'lj alalM ,'.l9m.,..': FII">ft4-! Vo$l\0 $$OO,eac Of In"lPfllOl'rft'ol(l\!Ot up Ie !~e.lr'O' '3OUl." U.$.C, "UtmiS 1ST', Stalement Or Affairs. Pago 4 JUH-15-el 06:04 PM d. -, ~''''~.'.' " - ~-~\- ~- -~ ""'-.o.i..'rM\: P.26 . . -,' ;;;;:~ ao filii) V\lf.$l ':i'UUI), Aocn'''''t NV UNITED STATES BANKRUPTCY COURT MIDDLE DISTRICT OF PENNSYLVANIA I' re MAtSEEO, SR., RAY E. and HAr.SE:EO, FAY r.. Case No. ChaptN 7 J Deblor 11 I h.w \!jled D nhedute of ass.t. .nd liabrU1.ieB whll;h Includes co nil urn., debts sec.uraa by rmtDertv of the !!lute CHAPTER 7 INDIVIDUAL DEBTOR'S STATEMENT OF INTENTION . 2. I intlrul to do the foflowlnD with rupeet to the propt-rty of th. .,tlte whIch lIecu,... thole COnsumer debts; a. Property to Be Surrendered. Description of Property I Credltor'e Name 1----. 4 No~th Eno1a Drive Household Finance Corporation (First Mortgage) , Enola. PA 17025 ; The Money Store (SeoOnd Mortgage) b. Prop'trty to Se Retained. jChecl< any applicable "..amen!.) -- PrOPl:l"ly11 PIODl'rt.,....JJO. i"-~,~"" I Credltor'e Name ,l..meg.. J'flleelTled ,,'fI"fllleO Description of Property ..,"'pI D..rhlan,IO ur~.....~ 'II ~1 ~'c F1% 11 use 'Stille) -- ClT Group/Sales FinanCing. Inc. X 1999 I~ 24 foot Dutchman carnpe.- 1997 Chevrolet Truck C1500 . cw.C X Signatura of Debtor(s) O'I.~'~ 3. 2000 -~~ Debtor E ;;;;::~4,.~ I . MALSEED , P.ge--'. of-L. ,-~"",,",-, -,- ~" ;_0'- . ',' ~I!B-"'~_~~'! JUN-15-01 06;04 PM P..27 . , UNITED STATES BANKRUPTCY COURT FOR THE MIDDI.E DISTRICT OF PENNSYLVANIA In re MALSEED, SFI" RAk' J:, and MALSEED, FA'! L, Case No. Chapler ? Atlorney lor Debtor: Harry M. Sa t=fn I Coblars CERTIFICATION RE COMPUTER GENERATED FORMS I am the attorney for the deblor(e) harain. I hereby cartify lhal all c;omputer-gen"rated sChadlllu and forms filed hereIn do comply with the official schedules prascribed by the BankNptcy Code and Bankruptcy Rule 9009 Executed at PENNSYLVANIA under penalty ofpe~ury, Executed on: November 3. 2000 . ~.~ (n ~ Harry M ~~t~r~~ . "I',..jj[i '-,","""",,"'- ~~~',=- ,'" " , ~-- -. 0_1." ,- ),.1,-,,"',.";,__--'' "'-.'" 1&'\1"':' JUH-15-01 06;05 PM P.28 , . . Name ----13lJUIllN & BATURIN ":"dcre!:s 7] 7 N. SpN1nd Str~et H-"T"T"ic:hll!"Q' PA 17102 i elephone KJ .nllr"t~'. ;::_IUIt'tll 0' :.elllll lIlu'''.''II'', Se" III ..""CIII'.1 "-11M",,,,. $..~. a.1 :.", "'0. MIDDLE Ul"olTED STATES BANKRl,lPTCY COURT DlSTlUCT OF PENNSYLVANIA In re _ ~ll.V ~ t. ....z.v T. MAT "Ji'l:T\ SR. , (Set tanh ft.,. 11/ n...,,-cu Ij'fClwitlg ~......~tZ. m.iGe", ."ct triO" n,r.t.$ /J"~ t)y tI.~tal *,(htff fist' y.",.} Debtor (HUsband & Wife) Case No. H: 202-36-5175 Social ~_cIJr~9~c6r.5613 Employer's Tax Idenlilication Nos.r;f any} Chapter 7 and all STATEME..... OF ATIOR.'lEY FOR nIluONER PtlJtSVANT TO BA."I'KJU1PTCY JUIU 20l4(b) The undersigned. pIJrsuanllo Rull! 2015(b). BankrIJplcy Rules, state. that: (1) Tile IJndersign.d. is tile Illorney for lIle deblor(sl in this case. (2) The compensation paid Or egr..d to be paid by Ille debtor(s) in Illls case. (a) lor legal seMceS rendered or to be rendered in conteml)llltion of and in connection with ltIia case... $ 890. 00 (b) prior to lillng lIlis Slatement, detltor(S) nave paid...................................................................... $ 890.00 (C) the unpaid balance due and payable is..................................................................................... $ -0- (3) $ 200.00 of lIle IIlIngl.. in Inis case lias been lIllid. (4) The services rendated or to be rendefed include tile fOllOwing: (81 Analysis of Illa flnencial situation. and rendering advice at1d aSsistance 10 Ihe debtor(sl in determining whelher 10 liIe . pelitlon under Tille 1 I. United Slates Code. (:) ~reparatiOn ."d filing 01 tile petition. s~ed.oles of asseta and flabililies. statemenl of affairs. and otller documents required by lI'Ie court. (el Repr..entation of the aebtortsl allhe firet me.ting or creditors. cOnfirm.tlon Ileering. Relief trom Stay. and compli. ance wilh General Order NO.1. (el) Allorney may seek sUl)plemenlal lees lor Reliel Irom Stay I'Iearlngs; cs~ TP'la .o....rc:. 0' ~aym.f'lt. r't"latl8 by t"a dabtol'(s) to th., u"d.....ig".d was trarn eamtng",. wag.. and f;ompen-.allOl'" telr :lI.,..,IC:.:II perlorrf!Dd. _nd If _ 'Re IS paid by tran..'." of prop.~ or II ..eUl'll)f l-e taken. gtv. de taUs Mer. And In approp.-Iate S"''''';1ilI"1 fi*' $0;:.....0;1...,1.. I;Ir ...,."'"....' cf AH.I~. ::: :~;~ .;;;.;;:~;~;:-;.:~::;.;;;;~~~;~~;:~;~;~~~~::~;;~:;::.:;~?;:.;~:;;~;:-~~::::, ::.::::'::': :::=:.:.::::':~.::~~r ~:::: .::: ~ .", ..,-...- DI~ ''';''' \:; ;'....~. '" ..~, ., ~~~lf~~l!91W~;j~1li1~mf~;lJ(t:l1*'!,t;;"i#,;jl.~~<;"i>i'-;;(ti~;jJ1fntlt.1lijIi Ur~'IHHl.n~.1i!flJe~'"'.'~-"'~I8'ii~ ~_JiD 1jS~ -) , - ,~~~~-^ ~- ~,,~,.~,,~_~ ~_~~ ...~, ,~. '_'~~"''''0"',^.>~"> h- -..' . _'n_,_ . . <-~'..""'-""''"'-~~~ rill] - ,. -I".' -~ ~ ~'"l l"""'-~~i'~ McCABE, WEISBERG AND CONWAY, P.C. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 First Union Building 123 South Broad Street, Suite 2080 Philadelphia, PA 19109 (215) 790-1010 Attorney for Plaintiff HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY CUMBERLAND COUNTY COURT OF COMMON PLEAS v. RAY E. MALSEED, SR. and FAY L. MALSEED NUMBER Ol-276l-CIVIL TERM PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Kindly reinstate the Complaint in Mortgage Foreclosure in the above-captioned matter. '. f' McCABE, WEISBERG AND CONWAY, P.c. . B,Y: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 First Union Building 123 South Broad Street, Suite 2080 Philadelphia, Pennsylvania 19109 (215) 790-1010 Household Finance Consumer Discount Company 961 Weigel Drive, P.O. Box 8634 Elmhurst, IL 60126-1058 v. Ray E. Malseed, Sr. 4 N. Enola Drive Enola, PA 17025 and Fay 1. Malseed 4 N. Enola Drive Enola, PA 17025 ,~ ,~~ ~. ~..~ llfu . . ~ 1l.l>'*"~JE;" Attorney for Plaintiff Cumberland County COU1't of Common Pleas TRtJE OOPV FROM RECORD )~ T~li\~y '\llfIllifOOI, i t~HHmroiOfi "If'Mlld ",,,,,j 'lilli ~ uf., $aid fi.ilj.t at C<irlhlj.&. p",a. ~~~~...Yp~~~J,~ P-A.l.b(Jy Number 6/- 0l7fo I Co; ( '-r~ CIVIL ACTION/MORTGAGE FORECLOSURE NOTICE AVISO You have beell sued in court. If you wish to defelld against the claims set forth in the following pages, you must take actioll withill twenty (20) days after this complaint and notice are served., by entering a written appearance personally or by attorney lllld filing in writh'g 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 lllld a judgment may be entered against you by the court without lurU,er notice for llllY 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 HELP. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (717) 249-3166 Le hall demandado a usted ell1a corte. Si usted quiel'e defenderse de estas demandas ex-puestas en las paginas siguientes, usted tiene veinte (20) dias de plaza a1 partiI. de la fecha de la demanda y 18 notificacion. Hace falta asental' tma compal'encia escrita 0 en persona 0 con un abogado y ent.L'egal' a Ia corte en forma escrita sus defensas 0 sus objeciones alas demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continual' la demanda en contra suya sin previo aviso 0 notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla can todas las provisiones de esta demanda. Usted puede perder dinel'O 0 sus propiedades tl otros derechos importantes para usted, LLEVE ESTA DEMAND A A UN ABOGADO INMEDIATAMENTE. SINOTIENEABOGADOOSINO TlENE EL DINERO SUFIClENTE DE PAGAR TAL SERVICO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASlSTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (717) 249-3166 .~- . < ~ ~"'--' .~ ~ " ,<.lO ~ - " .,' ...w....".Jk-..,,J,,,, . ~- --, ;"""',.h:: '. ., McCABE, WEISBERG AND CONWAY, P.C. BY: TERRENCE J. McCABE, ESQUIRE Identjfication Number 16496 First Union Buildjng 123 South Broad Street, SuHe 2080 Philadelphja, Pennsylvanja 19109 (215) '790-1010 Attorney for Plajntiff Hous~hold Finance Consumer Discount Company 961 Weigel Drive, P.O. Box 8634 Elmhurst, IL 60126-1058 Cumberland County Court of Common Pleas v. Ray E. Malseed, Sr. 4 N. Enola Drive Enola, P A 17025 and Fay L. Malseed . 4 N. Enola Drive Enola, PA 17025 Number CIVIL ACTION/MORTGAGE FORECLOSURE 1. Plaintiffis Household Finance Consumer Discount Company, a corporation duly organized under the laws of and doing business at the above captioned address. 2. The Defendant js Ray E. Malseed, S1'., who js one of the mortgagors and real owners of the mortgaged property hereinafter described, and his last-known address is 4 N. Enola Drive, Enola, PA 17025. 3. The Defendant is Fay L. Malseed, who is one of the mortgagors and real owners of the mortgaged property hereinafter described, and her last-known address is 4 N. Enola Drive, Enola, PA 17025. ~, """'"""'" ' , ~- = .".".~,...:.-_,..., .j~ "--"~-"'--~i: , 4. On 11/17/99, mortgagors made, executed and delivered a mortgage upon the pren:rises hereinafter described to Plaintiff which mortgage is recorded in the Office of the Recorder of Cumberland County in Mortgage Book 1583, Page 187. 5. The premises subject to said mortgage is described in the mortgage attached as Exhibit "A" and is known as 4 N. Enola Drive, Enola, PA 17025. 6. The mortgage is in default because monthly payments of principal and interest upon said mortgage due 10/1/00 and each month thereafter are due and unpaid, and by the terms of said mortgage, upon default in such payments for a period of one month, the entire principal balance and all interest due thereon are collectible forthwith. 7. The following amounts are due on the mortgage: GRAND TOTAL $92,368.26 $ 6,186.50 $ 4,618.41 $. 225.00 $ 125.00 $ 200.00 $103,723.17 Principal Balance Interest 9/1/00 through 3/6/01 (Plus $27.79 per diem thereafter) Attorney's Fee - Cost of Suit Appraisal Fee Title Search 8. The attorney's fees setJorth above are in conformity with the mortgage documents and Pennsylvania Law and will be collected in the event of a third party purchaser at Sheriff's Sale. If the mortgage is reinstated prior to the Sale, reasonable attorney's fees will be charged based on work actually performed. 9. Notice of Intention to Foreclose as required by Act 6 of1974 (41 P .5. [)403) and notice required by the Emergency Mortgage Assistance Act of 1983 as amended under 12 PA Code Chapter 13, et seq., commonly known as the Combined Notice of Delinquency has been sent to ,<~~~... .. ~,- ! .. ......... '-'~ ~"' --~~-~ " --, "-<- ~- "' i'r il1tL~i~~,! , Defendant by certified mail on the date set forth in the true and correct copies of such notices attached hereto as Exhibit "B." WHEREFORE, Plaintiff demands Judgment against the Defendants in the sum of $103,723.17, together with interest at the rate of $27.79 per diem and other costs and charges collectible under the mortgage and for the foreclosure and sale of the mortgage property. ..--.-. (-) rv .r" r'j _ ) .<< ~^ ~_____<,_ !' \ \c..~._ __ TERRENCE J. McCABE, ESQUIRE Attorney for Plaintiff .' .' .....,... ." .\ l'" , .' .- , " . ,. .....: . '-"~ 41 , ' fNi.0RTGAGEj D U' sox jS CHECKlJD, THIS MORTGAGE IS AN OPE1'I-END MORTGAGE AND SBCURES FUTURE ADVANCES. 'TH1S MORTGAGE is made this day 17TH RAY E MALSEED. SR FAY L MALSEED . . .._ .... ...'. ."" n . .- (h.erei" "):;orrowet") and !\to<tgagee HOUSEHOLD F I NANCE. CONSUMER 0 I SCOUNT C\JMtANY ~'13303 of 19 gg , .Oetl','een th6Morrgasor, -- ~ NOVEMBER a. corporation organized and e:;:isting under tho laws Or 25 GA TEW"Y DR I VL GA TeWA Y SOUAflUSUUE 1 Q7 . ('hemi,,"] ::'I1'lti::-,...} . \ .~...A........<..I; ..t...-"-H.....~~ ~. PENNSYLVANIA MEeHAN I ~(lEJ_J'...L.-.l_l9.~.?_... . _ _ ,T_. whose actdrts$ is The followin!; paragraph preceded by a checked bot is applicable. G:J WHEREAS. E<>rrowe:r i. indebted to Lend.,. in th6 principal sum of $ 92.567.74 , evidenced by Borrower's Loan R~pay"'ent and Security Agreement or Se<:ondary MOrtgage Loon Agr"",ment dated NOVEMBER 17, 1S99 . ... .. . . O!!.gany extensions Or renewals thereof (herein "Note"), providing for monthly ;tlStallmetl.lS of principal and interest, including any adjt.lSlrtl/m.ts to the amollnt of payments Or the contr.,", rate if that ratc ia v>fiable, with the balance of tbe indebtedness. if jl,ot sooner paid, due and payable on .NOVEMBER' 1 i. :2029: o WBEREAS, Borrower is indebted to Lendet in the principal >;um. oi $ . or SO milch theroof as m.y be advanced purslJat'tt to BorrQ~'er's Revo!vinz Loan Agreem/m.l dated . and extensions and renewals the;reof {herein "Note"), O.TQ~di!'J~ fOr" month1\;" ;n~t::lUM"'Mt.- ':I"'''' :.............~... ,/o~ ...~.. '...."'~. ..-. ~ J ~, .,. . ,., "" ,.J.............h~~~~. .1~..v..~L.Hl) l.lr..:>l.dll,jnctl~~I;:tnuUltetest..attheJ:'~ie~ntj. '"," ;,J;, ~,d-.":" .~............ ....",..:_U;....i f.... ."...,.. ....,........... .-......,.......6 ~ifo ."....Jutn~tl:J..U'tl" J:n UlC anteresI ra-ce r tnst rate IS V8rH:l:oIe~ a(Jd providing for a credit limit Stated in the principal s:;m above and an initial advance of ~ '_ : .' TO SJ;lCURE to Len&r the repai'ment 01 (l) the ;ndebted,,= evidenoed by thc Note. with. interest thereon. including any increases if lhe contract rate is variable; (2) future advances und... any Rcvoh'ing Loan Agreement; (3) thIS pay<<timt of aU oth~r sums, with interest thereon. adlfsnceu in B(;cordanoc herewith to prOtect the .se:curity of this Mortg)lgc; aod (4) the performance of the COVenantS and agreementS of Borrower herein contained, Borrower does nereh;)' mortgai:;c, grant an~ convey to l.A:nder a.nd Lentrer~s succ;essOf'S and a,ssigns tbe following described \:.roperty located ;ntbe County of CUMBERLaND . . .Commonwealth ot PennsylvanIa: ALL THAT CERTAIN PROPERTY SITUATED IN THE TOWNSHIP of EASt P"t-JN~S!f!.e" IN TtJC "r'lIl"t"T'.' .....I't- "\",,11" . . ?~NM~~~Q~NiA. Ig~i~8u~6~EO~uE~Da~CRfsEOMIN~FE~~s7~~LE~ OoED DATED 11/22/1963 AND RECORDED 11/23/1963, AMONG THE LAND RECORDS OF THE COUNTY ANO StATE SET FORTH ABOVE. IN VOLUM~ ~O PAGE 1060. TAX PARCEL 10: 09-14-0832-335 ~ J rn "7''1'''' I' !!!?-C:: ,,'.... 6-, . " ',J <, .a ?J ' L [1'.".,,; I~ ""''''1' . ," .;:. ~~." I:'J ~ {~ ~ A ::J\ tl,l .)" "L._o' ~". , if! ~:w ",o' 'N'. . ~:!i'/J . \, ". . 'in- .' ",,~:i\ './'i".",!". . // \:" .:-:., ....;.u 09-20-39 MTG PA001261 FilE COP'! I~I llOllnll/I/IIIDIH ~)n 1111J~m~llIWlmllljJjmJm~Imlmllm 60/c0'd t>lc]:06I..S]:c,6 01 86>:<' 9]:9 0>:9!'l"lt::)ir'l~3S I I:)/IdJ-S:JH CJ;J 90:1']: 10, t>l ~i::lW . i I I I --=,<..,.,.~,,-. 1- ... ""-" JH- O,l!W!W~,w, ". ..I.........o-'T..~~- ~ . ,-:1. -2- TOGETHER with all the improvements now Or hereafter erected on the property, and all ee""ments, rights, appurtenances aod rents, .11 of which shsH be deemed to be .nd rem.in . part of the property covered by this MortJ>"ge; and all of the foregoing, together with ~d property (or the leasehOld estate if this Mortgage is on a le;!sehold) are hereinaltor referred to a6 the 'Property.' Borrower coveMots thlJ.t Borrower is lawfully seised of the est3te htreby conveyed and has the right to mortgage, grant and convey the Property, and that the property is unencumbered, except for encumbrances of record. Borrower . coVenants that Borrower warr~nts and will d.fend generally the title to the ProperlY amnst III claj'ms and dem~nd.,. f ! I I .:". . .. .'._. ,...~, ......... ........~......... ~~~lC1;t to e11cumbtan~t:S of record. l)NlFORM COVENANTS. Borrower and Lender covenant and agrl>> as Collo",'s: 1, Payment of P~in~ipal an(l Interest "t Variable Rates. This mortgage SOOlttoS all I>>yments of l'!jncipal aod interest due on a variahle rate loan, The contract rate at interest and payment amoun1S may be subje~t to change M provided in the Note. Borrowers shall promptly pay when due all amounts reqUired by the Note. 2, Funds tot Tnes and lnsu....nce. Subject to 'pplicable (aw or waiver by Lel\der, l3orr<>wer shaH pay to Lender On the da)' monthly payments of p:incip<>l and interest sre payable under the Note, until the Note is p<>id in full, a $um {herein "Punds"} equal to 01\e"twelfth of tbe yearly 'UlXe.!< and assessments (inclUding condominium and planoed un.it development assessments. if any} whieh m'y attain priority OVer this Mortgage and ground rents on the Property, if any, plus one--cwolfth at yearly premium installments for hazard insurance, plus one"twelfth of yearly premium installments for mortgage in.surllnce, if any, all aa reasonably estimated initially and from time to time by Lender on the basls of aSSCS$mOflts and bi)ls and reasonable estimates thereof. Borrower srall not be obligated to make S'UCh ;>aym~"t.S "r Funds to Lender to the e1ten.t that Borrower makos sueh payments to the hold"" or .. t><l"" ""Or'_ or ....-.......t'~,lFViHu.;a~R 'nQIQCT15 a.t1 tnSUWtlOnaiJenCef. ..' If Borrower pays Funds to Lender. the Punds shall be held tn an instit.ution the deposits or accouots qf Which ~re Insured or €\lar.meed by . Federal or state agaMY (including Lender if !=dor is such sn. i.nstitution}. Lender shall apply the Funds to pay said taxes, assessments, iD$urance premiums and gtound ,,,nlS. Lcnder may not charge for so hn1ding and applying the Funds, analYzing said acx:aUol or vorifyin& and compiling said "%e~mcnts,and mils, unl= Lender p.ays Borrower inttrest on the Funds and applicable law permits Lender t<> make such a oharge. Borrower &nd Lender may agret: in wrIting at the time of execution of this Mortgage that intcrest 00 th.. Funds .shall be paId to 13"rrower, and un\~ such agreement is made or applicable law requires such interesot to ,be paid, Lender shall not be required to pay BOl'1'ower any inter..,! Or earnings on the Fuods, Lender shall give to Borrower. without charge, o.n annual accoUllting of the Funds showing credits and debits to the Funds ~nd thc purpooo. for which each debit to the Funds was made. Tht Funds are pledged's Bclditional security ror t},e SU!'lls secured by this Mortgage. Jf th~.amount of the Funds held by Lender. together with the future: monthly insttdltnents of :f<'uncis payable prior .' to.' the due da'toes 01 taxes. ~mf.;nt"'. t1"l.e,\Jr:;tf)~p' I')nr"T1h,~a tlt">A ...,...."......4 ",..,.,.", ...'-,,11 "'..'''l1O ....,.t!.. r-.. ,... .' ~..: r . .. ~ .. ... ~ ,......, ........,............W..,~ ..J.&.:lI"'~":.J\.Q '){....UJ.1Ul!.1~ I:il'll,J. .i!HJl.lnd .fCn.U..sh3J..l ext."eed ,the atr\Q.IU(1t reQatLW'otWl t.6 ~"';11 .......... .....,..,;'16., t:l~I::;r;,,;~nSt m:sura:nce: y~ ..mwrtlS ana grOl.m..., retltS' liS me}' 13H coe, .SUCh excess Sl1a11 oe, "tH frower S option, either promptly repaid to BOrrower or eredit% to Borl'<>wer 01\ mOlltbly installments of Funds. If the amOUnt " of tho Funds hold by Lender $h.l1 not ba sufficient to pa}' taxes. _mellts. insurance premiums and ground rents as they fall duo, Bol't'ower shall pay to Lroder any amount necessary to make up the defici,"ncy in'one or mo~ payments as Loneler may re<juire, . . '. ". l)pon payment II) full of all Bums s<:curoo by thia Mortgage, Lender shall promptly ",fund to Borrower any 'undl; heJel by Lender. It under paragraph 17 hereof the Property i. ~Jd or the Property Js 'oth~rwi"" acquired by Lander, Lender shall apply. no later tnan immediately prior \0 the &ole of the Property or its acquisition by Lender, 80Y Funds lJ.eld by Land.". at the tiClle of application as a credit against the sums secured by this Mortgage, 3. Application of Payments, Except for loans made pursuant to the. Pennsylvania Consumer Discount Company Act, all payment, receivoo by Lender under tbe Note and paragraphs' I and 2 hereof shall be applied by Lender fir$! in payment of amounts payable 10 J...,;nder by :Borrower und.er paragraph :& hereof, then to .interest, and tMn 10 Ine PtillCi....,. . . . . .' -.". ;;~ i<f16f"j;)fert~al:"$ anll Vtl5U tir'Trust; Cliarges; Lions. BOrrower shall perform all of. Borrower's ,obHgations under any' mOrtgage, deed ot 'trust Or other security agreeO)eJli with a lien which has priority over this MOt"tgBge, inclucling Bortower's covenants to make payments when due. Borrower shall payor cause to be paid all taxes, aseessments and other charges, floes and impositions attributable to t~e Property which may attain a priority over this Mortgage, and leasehold piyments or W'Ound rents, if any. . CI-20-9S MTG ~p,Q01262 '. Fill; COpy IIBlimll~~mll~lIl1l11l1llrnlmllill~llml~III~'mlnlnlmIUl 60/ffi'd ~~G.06~S'Gl6 O~ 86r~ 919 0~8NIJln~3S IIJ/ldJ-S~H ~~ 90:pl l0. vl ~~w ~~~~F" ~. .'~ . . - ~,~ " -;,..,- ~"''j'~r.~-"'"'''''' . ~o_ _~_,=_"-_==~ -':;'~~\5T- , .. .~:.~ '. .. :~ " .'\r....jt.. ~.\ : I .;\.,.!- !,l.. " .~, ':' " '. -3- 5. lhzard In'\lrance. Borrower .hall keep the improvoments now o.isting Or herearter erecl<:<l on the PrOl"'rty insured against lo(lS by fjr~, hazards include.:l within the tdrlll "extended cove1age,. snd such other hazards as Lender may require. The insur~nce cartier providing the insurance Shall be chosen by the BortO\\'er subiect 10 aoproval by l.,~pder: ;ii..J.4;:'~' ...M:..'l" ........'h ...~,..,...........-1 _..." ...~... _ "'I-I~~""''''''''ol' ....tu-l....n"l'o~. _;,' lW:>JFj;r.;~~ p::uiGJ~'anQ'tonewals'ilieteo'tshalrOefita form l!Cceplnble to Lender and ahol1 inciuG'e a standard mortgagedause. in favor of and in a form acceptable to Lender. Lender sru.lJ have the right to hold the policies aod renewals thereOf, subje<:t to the terms of any mortWlge, dee<! of trust or other securit~ agr=ent with alien which has priority ovenhis Mortgage. . In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender, Lender may make proDf oflossif not made promptly by Borrower. ' If the Pre>perty is ebandoned by Borrow.r. or jf Bon-ower rails to respond to Lender within 30 days Crom thedate notice is mailed by Lender to Boffower thlltthe insurance earrier offers to s<:ttle a claim for ;tlS\Jrancc benefits, Lender;s au1hori;:ed to collect and apply the insurance proce.e<ls at Lend~r'soption either to restoration or Iepair of the Property or to th~S\.lmsseclJj'ed bythisMottgage. 6. Preservation and Maintenance of Properly; Leaseholds, Condominiums; Planned Unil Developments. Borrower$hall keep IheProperty in good repror alldshall notcomm;t waste Or permit impairment or detetioration oC the Properf;v ~odshaJJ .cotnnlv ~rHn th~ f)rn't,;("in"<;,,nt ?O\H 14.~(<O'~ a ~h:", ).I.........""..........~.... ...~ ... I......':'...,. ....L.1 ,. .....~ '\ r .'~' ~. " : " . ~J:''''' "J' ~.. ..'~ ...U....l ........o::.!J'i.t "I ~l..... .I-MC 1-'1. tJ ~l.>I\..Hl,!,,' Wi, .<iU"y is(l!W H tfll~ lvIOI.t_1!~ lS.0n a leasehOld.. H -q:lIS0~Ortil.atlC l.C! .o'l'A \1_*11: IH ... ~9ntU;l'rnm!Urn OT a plannea U;uJt aoveloptnent", uorrower Shat pm-onn au or tsorro",,'er s 'bhganons unc;ter tM declaration 01" covenants creating or governing the condomioi\Jm Or planned unit de,'elopment, the by-laws and reglJlations oCthe ooQdominium Or planned unit development, andconatitoontdocumentJ:. 7, Prote<>tion of LCl1der's SecllrHy,lf Borrower fails to perform the covenants and agreernentscontained in this Mortgage, or ir any action Or proceeding is oommenced whioh ma1erially .Heets Looder'. interest in the ProperlY, thm Lender, .t Lend.,.'s option, upon DQtice 10 BOrrower, mai' make such apptaratlces, disburse such SUn'la, including reasonable attorneys' fees, anatakc "\JOh action as is necessary to protect 4nd",'sil)teresl. Any amounts disbursed by Lender pursuant to this paNlgraph 7, with interest thereon, at the contract Iate, shall become .,fditional indebtedness of Borrower secured by this Mortgage, Unless BOffower and tender agree to other Ierms or payment, such am~unts lIball be payable \Jpem notice from Londer to Borm...or requesting payment thereof, Nothing contained in this paragraph 7 shall require Lender to incur an,' expense or take any action hereunder. ~. Inspection. Lender. maY take Or ca~ to, be nude re&.S?llab/e 7ntries ~P<?(\ and ins~~tions o~ the, Property, 1I 'lFi...t","A1t..!':l"r~nrif!,.c:"f)9IJ671"Aft"""r"'r""'''''''''''''''''''''''''''''''''''''''''''''''''.'''~ ,-:t..'..,,-,., ," . .' rp. T ~.\:l;-il.~ ..1;'~'''Ai. ....~L ';'l!,:!:lf_.J:.! ~i. u. ul' uWc~ notl(.'-e L!t'IOt" to anJl-'=Uch uu::t:>eet..ion .!;loaeif3,.ibA ~nobJ.o .:>AUw. d..._;...... _I.............. to 'tl;d'<i~r'S irlterelitln "'" noperty. . 9. COoclomaation. The procoods otany award or claim for damages, direc! or consequential, in connection with any ~ondemn.tjon or other taking of th~ Property, Or part thereof, or for ~on"eyance In lieu of condemnation, are hereby assigned and shall be paid to Lender, subject to the terms of anj mortgage, deed of trust or other security agreement with a Ii"" which hM priority over this Mortgage. , 10. Borrower Not Released; Forbearance By Lende, Not. Waiver. Extensioo'of the time for payment Or modification or amortization or the sums secured by this Morlgage granted b, Lender to any SU(lCessor in interest of Borrower shall not o~ate to release, in any manner. the liability oC the otiginal Borrower and Borrower's successorS in interesl. Lender shall not be required to commence pro~djngs against such successor Or reFuse to extend time Cor poyment or otherwise m<x\ify amorti1ation of the S\lmS5ecured by this Mortgage by reason oC any demand made by the original Borrower 1;l00d Borrow"r'. succ<ssors in interest, Any lorbearance by Lender in exercising any right or remedy hereunder, or otherwise afForded by applicable law, shall not he a waiver of or prc<:lude Ihe etcrdse of any such right or ;!.trn~;rh~ . . . "'. . b'" ..... ,.~,,,'tr; SUcce:Ssbrs ani:lAsslgns Bound; iolttt and Several Liabilit)'; Co.signers. The covenants and agretlments nerein conraint:d shall bind. Bnd the righta her~under shall inure t(),.lh~ respective successo", and assigns of Lender and Borrower, subjok"! to the provisions of paragraph 16 hereof, Allcovr:nants and agreements of Borrower shall be joint and. SIovera!. Any Borrower wllo co.signs th.is Mortgage, bllt does not execute the Note, (a) isco....igning th.is Mortgage only to mottgage, grantaod collvey that Borrower's interest in the Property to Lender under the terms of thIs Mortgage, (b) i. not personally liable on the Nole or ultd:er this Mortgage, and (c) agrees tlult Lender an"- sny other Borrower hereunder may .g(6e to extMd, modify, 'orhear, (J< make any ot~er """ommodations with regard ro the terms of this Mortgage or the Note without that Borrower's consent and without (eleasing that :Borrower Or modirying this Mortgage as to that Borrower's interestil'l the Property.' . 09-2U-~S MTG PAOO 1263 "'.r,.ri......... 1/Il/W/IIIIIU fimllll~11 MIl.IIIHlln"'II[IJ!fNlIIIli!JIf.lI!~~ Illllllllllm IIIIJl! lilillllo1il\lllll"",...lIlIIilllllllll>lllllllllli ioIilill"",,uilllilillilfllilliIWiIII Hi! ~~ 60/\70'd V~Gt06~StGt6 01 86~~ 9t9 0E98N[Jln~3S IIJ/ldJ-S~H ~~ 90:l7t to, l7t ~~W ,__._..,.;i-......~,~._ - .' - ......, ";J + 12. Notice. Except for any notke required ~nd"," applicable Jaw to be given in another manner (a) any notice 10 Borrower provided for in this Mortgage shall be given by delivering il or by mailing .uch notice' by certified mail addressed to BortDwer at the Pro?Orty Address or at such other address <IS :8ouoWet may df$i8nOle by notice I" Lend.,- as provided herein and (b) U\y notice to Lender ~h~tl..he .cV.'Ve.C\ bv 6/Il,rt:.l.U....d. ","",;j t~ ].-.........-1......... H~..h-_..........- ..."..,.".."... -... .......-........ Cnn.,- a""ress asU:ila~r may oeslgnale oy nonce to !:SOrrow.r as provided herein, Any notice provided for in this Mortgage shall bedeemed to have been given to Borroweror Lender when. given in the manner designated herein. . n. GOYemingL.w; Severobility. The slato 3Jld 1000.1 laws applicable to this Mortgage shall be the laws of the juri !!diction in which the Prope"y is located. The foregoingsentence$l)al! not limit the applicability of Federal law to.his Mortgage. III the eVent thatanyf>"Cvisioo oretause ofth,a Mortgage orthe Noteconf1icts with applicable low, suchconflicl shall nOt ~ifO(;t other provisions of this Morlg<>gc or the Not<> wh.ich can ~ given effe<:llVithout the confliCting provision. and to this end th~ provisiOns of this Mortgage snd the Note orc declared to be scverablo_ As used herein, "cQSts," "expenSeS' and 'attorneys' fees" includeal! soms to lheextentnot prohibited by applicableJ.", or limited herein. 14. :Borrower's Copy. BorrowershAJ1 be furniShed a contormed copy of the Note and ofthisMortgagesllhelimeot execution or after recordation hueof. 15. .Rehabilitation Loan ./\.greement. Borrower shall fulfill all of Borrower's obligations under any home rehabiH~tion, improvetI'letlt. repair, or other Joan agreernetlt Which Borrower er\le-r~ into with I ",or!,.,.. l,,-,<l,.... .- 1 ,JI' ......... . ":'l ..... '." ......' .-. ............ ...~.... ,-i'l! JJ.;.,,~lu...,\ ~J(J~~~.u.~ .;;... d;~.~.;;;Pt':~~ ~~;'N!1i4U,j......:.'Bol:'C'<>w",,,,,,,~ ...._...._..~d.ft,'I.......,..H+.,...,....."_.l.......-...:...,.... ~......Uf'-.Y1Q(;Y ~l;t(t:F.m asst~cnen or :my nSllt8, claIms Or defe=s whieh Borrower may have against parties who SlJpply lobor, materials or servi""" in connection with improvements made to the Property 16. Transfer of tbe Pro!'<'rty. If Borrower ooUs or transf",s all or MY part of the ProperlY or on interl:$t therein, ""eluding (a) the creation of a lien Qr encum 'orance subordinate!o this Mortgoge, (b) a transfer by devise, descent, or by operation of lsw upon the death of . joint tenant, (c) the grant 01 auylessehQld interest 01 three. years Or less not containing an opti01'l to p\.lteha$(:, (d) the e,eotion of apurehasc money socurity inter""t for hovs<:hold appliaoecs, (e) 8 transfer to a relative resulting from the death of a Borrower, (f) a transfer whe", the spouso or children' of the Borro~'cr be<;ome an owner of the property, {~} a t>"-dnSfor resulting from a decree ot dissolution QI marriage, le8~ sep.-l'lltion al;r<emcnt, or from a'n iMidental propetty sottlement agreement. 'oj' which the spo= of the Borrower becomes .n OWner of the property, (h) a transler inlO an inter vivos trust in whioh the 130rt'ower is and remains a beneficiary and which does not reI at. to a transfer otright$ of oe<;upancy in the propert}', Or (i) any tI!.her lI'ansf~r <It dispositiun.described in regulations prescribed by the Pederal Home Loan Ba~ItBoord., BOfr?wer ~",,1.1 ~all.~;o he,S\lbmitte<l info<",.t."p r.~lI;r~tll'" r "-;A... 1:;;. ~~;~f;~.:.~;.' ~:':..: -~~.:..:-.:.~~ ~;;;. ;:~ ;=~ ;~....;, ;;,;;,~& .:u~v~...;." me; ",ra'nsN:ree.lid:rr(.iW'ei'"wJl1.coMinut:.~t;l6 '5e'~Hrrgat~det ..........v..1......l~S......................,....,.,.......- the NOle and this Mortgage unless Lender releases Borrower in writi ng. If J..end.erdoes nol agree to such -sale or transIer, Lendel'l'nay declar.. all 01 the sums secured by this Mortgage to be ~ immediately due and payable. If Lender exercises sueb option to acoolerate, !-er1d..- shall mail Borrower nOliee of acc~leratjon in accordance with paragroph 12 hereof. Such notice shaJl proYlde a period of not Jess than 30 days from the date the notili<lis mailed or delivered within Which Borrower may pay the sums declared due. If Borrower lails IX> paysueh . Il~m$ prior to the expiration of such period, Lender may, without further notice or demand On Borrower, invoke ony rcmediO$ permitted by pa<>graph 17 her<<lf. NON-UNIFORM COVENANTS, Borrower end Lcn4er fu;thercoyenaM and a~e as follows: 17, Acceleration; Remedies. Excepi as provided in paragraph 16 hereof, Upoll Ilorrow.r'$.breaeh of any =,'er"'1'\t or ag:teement of Borrower in this Mortgage, including the covenants to pay when dUe any sums seel,lred by this Mortga~e, Lemler pri.or toaccelera.tion shall give notice to Borr<>wcus provided in porag<hph 1.2 hert:o! spccifYi.o.:r: (1) thr. bt'etlch~ I?) tb~Rr.t;i1" "~rn,l"'I&A t,.~ ~m"... ~n" to, "',,~.. .f." !"'~. #, te .. th dA6 ..it...v~ . ..~ ...:. ~t.':"'...0'.:...'.;;'~.. ";~'" t;.".~""';IQ."'::';a.~"~r.tg~~:'.sj<WA)~'l. ~~~Kr5t~~~ %~1h&~JJ}.c~~ a:cft~rrhat f~ltUt"(; tc:> ,.........,.. "'''''lO'I .. ~ cure such breach on Or before th" date specified in the notice may result in acceleration of the soms secured by this Marrgage, foreelosnre by judicial proceeding, ~nd sale ot the Property. The notice' shall fUrther inform BOrrower 01 the rli!;>t to reinstate alter acceleratlon and tbe diht to aBscrt in tho foreclosur" proccoding: the nonedstencc ofa default or any other defeDse of 13orrowerto acc.leration and foreclosure. If tbl' breach is not cured on or before the date specified in the notice. Lender, at Lender'. option', may declare all 01 the sums secured by this Mortgage to be immediately due an.d payable without Iurther demand and may foreclose this Mwtgage by judicial proceeding. Lender shall be entitled to COllect it!. slIch proceeding all expet!.scs of foreclosure, including, bui not limited to, re.sonable attorney.' fee. $1ld cost. of docum.entary "vidence, abstracts and iitle reports. 09-20-99 MTG PA001264 PIle COPv iiiiiiiBiftjjniIJmJlllIlIIDmJlpmilllliJmmnii~ 60/1,0'd Pl,c1061,S,c16 01 86~1, 919 0~9~,IJI0~3S IIJ/rdJ-S~H ~~ 80:P1 10, p1 ~~W - ,>.""'","0,"",- "A~ ~ I .;. ~: :' ,'. '.~. '---~-~.""" \l' ., .~ ~,,"' -, _J_ ..~...<~.~" , . ,'t. ., "'. .. , ./ - -5- iii, Borrower's Right to Re,nst.atc. Notwiths"'nding Lender's aeceleration of the sums by this Mongage dw to Borrower's brear:h, Borrower shan have the right to ha,'e any proce<<lings begun by Lender to enforce this Modgage discontinued at MY time prior to entry of a judgment enfordng thiB Mortgage if: (a) Borrower pays Lenoer all sums Which would be then due uoder lois ~Ortg"-$" and the Now had no aceeJerntion occurred; (b) Borrower ewes all broaches of any other Covenants or agreements of Borrower contained in this Mortgage; (0) BorrOwer pays all reasonable expenses incurroo by Londer in enforcing tho covenants .nd agreements of Rorrower contained in this Mortgage. and in en10rcing Lender's remedies as provided in p"ragraph 17 hereol, ineluding, hut not limited to, r=nable attorneys' t_; and (d) Borrower takes such action as Lender may reasonably require to as$Ul'C that the lien of this Mort~a.se, Lender's interest in the Property and Borrower's obliJlation to pa)' the SUmS secured by this Mortgage sh.1l continue unimpajred. Upon such payment 8nd cure b)' Borrow.r. this Mortg8ge tnd . the oblig9tions secured hereby shall remain in full force and effect as jf (lO acceleration had oo:::uN'ed. 19. A.ssigp.rne~t..qt, Renbj. Appoi.:otme;t).t of Recei Yc:r. As e.ddltiona.l socurity herevnde:(", Borrower he:re'b'y . <')06 _ ~... ...h... ..........\0 o-t ..",,;,:,.p~""...t .................t.t...rl <<k....... Pl........",_....... PO""""''' r-..,........ -... ..___..I:K'" _.......... t-.....b'-"'.t"'-I ...... he'te";'f, in abandonment of the Propert)', haw' the right to collect and retain such rents lIS they become due and pa)'9ble. . . . . '. _' 'UpOn ac~ler.tion'illlder' p.rag"'p.h'7 hereof or abandonment of the Property, Lender shall be entitled to have a receiver appointe<;l by a ~un to enter. upon, take possession of and manago the Propert)' and to collect the rents of the Prol""'ty irv::luding those ~t due. All rents collected by the receiver Shilll be applied fim to payment of tho costs o! management or the Property and collection 01 rents, including. but not limited to, receiver's fees, premiums on receiver's bonds and =sonabJe attorneys' fees. 90d then to the sums secured by this Mortgage. Tho receiver shall be liable to account OI\ly for those rents actually received. 20. Relesse. Upon payment of all sums secured by this Mortgage, Lend~r sh.1l Telesse this Mortgage without charge to )3orrower. Borrow~r shall pay all costs of recordation, if MY. . 21. Waiver of Homestead, Borrower hereby waives all Tigl}t of homostead exemptioo in the Property under state or Pederallaw. ;;;;.. ~;;.:....;.:;;;~ ~~ ..;:;..~;,:.~ "':';'I.I.'!f.H~~", ~""i'~"~~F ilgFI:l:~ l:ne, tnl;Crt::5t, ralC p3)'M)Ie after a 'juagment Is entered on the Note or in an aCtion ot mortgage foreclosure shall be the Tate stated in th6 Note. . r=J._A,~a Jr.ln~tOH " ~~.ffljEilW>-JQ~\'I~H ~ I lGOS .so JJii'O~ 2SRi~~~ ,,;1j~) \'ll ,,\~.,.... . ..:.... -'1 ....;' "=M''::~:'',~_" ~.., ... ' ~ 7,~"" -~-:a. .. ... :'.. "'<~.:..."7~ ;' ~.." ........: ~ . - ':',:;: -.E .:--~ - "......~ ,,{:"..' 12 , .. ~. -.:. :.--.. "V;.\\.~ s~ ~ ..-.....;'\:". ............ '\..........~ ......... .....~ ":""\^ ,.... I'....,.',.....\,~"t,..,. j .. ' "', ...."........ , \" "...-' -........-""',.,.. ..'. ." V," , ,-. _" ~ ,,,....J4 .r1rlit.'P',J 'I"'l.~ '\0' ..", '..-, ,. '.... .' .... 't""1'" .Jlyl'.... ": i.... " ....L.:..\ ~{' 'v' "1 ..t.. ..,. _ \. ," >..Q;,)..... ac,,)tt .-.'.{ .(;(!l:r;i~j~,p.k)f)1"J, 09-20-99 MTG PAOoms File COPY IIWUmll!ll~DnIIU Ilmn~I~~lInl"~III""IIHIIIWI~lllIIlJII!Wt 60/80'd p~G106~S1Gi6 01 86~~ 919 0~98NIJI~~3S rIJ/id~-S~H ~~ 80;p1 10, v1 ~~W "'",....' "" e~ _~J , " "",,-, _u. :' - ~"""",,-,J.>,.;. --~.;;, ~(,r" .60' 38l:id ll:i.lOl ** ~~-.'''''' '''~ , ' .... ~ ". ." . , , '0- REQUEST fOR NOTICE OF DEFAULT AND X'ORECLOSURE UNDER SUPERIOR MORTGAGES OR DBEDS OF TRUST Borrower and Lender request the holder of any mOrtgage, deed of trust or other encumbrance with a lien which has priority over this Mortgage to give Notice to Lender, at Lender's address set forth On page one of this Mortg~e, of any dJ..ul<t. ...u...<:1_.. -t.b.6. ~Co" .-....'lo...""-b_n.c........n.d .of .......,.v ~1or;> 01: othor to'r+-olo...u...... ~;c.n.. .. , . ~('~ ~~o( FAY .L. MAL SEED. .... -Bor.t'Q~o.. :. .. ." REonowor , h.;t;Y.:l':\;;~r ::-.;om-1~n '''',~1I'h..'' f:f......rr:,h...'" ;:.......'.......... "'~ ;of,,, 7 ........t...' /".t",F'"'''''''''''~ 't. I-lnllc:;p~(11 n 1. ..~.c-co.w ce1.'u:J..,Y ,uu...t ,j'lol! precl~..:;l.Od.l'~ 01 'U\e. LenUt;:.(' C.Mort~e.) J~: lll..i ~..... L..II..... L l.I 25G ATEWAY DR~VE. MECHANICSBURG. PA 17055 On behalf at the Lender. By: BERNIE HEFFElFING~R . COMMONWEALTH OF PENNSYLVANIA, CUMBERLAND CHI~~Jr~ r' J.1"Mr~......... Tirle:BRANCH MANAGER County so. 1. ANNE A STAf:FORD ,aNotary Puhlicinand forS3id county and state, do herehy certify that RAY f MAl SEED, SR & FAY L MAl SEED p"rsonally known to me to be the same persOl1(s) whose Mrnc(s) ar", subscribed to the foregoing instrument. appeared before me this day in person. and acknowledge that _they~ signed and delivered the so.id instrtlment as t h P. i l' free voluntary act, for the uses and purpOses thetcln ret forth. Given under my hand and official ",,~I. this 17th day of November . t99-L ""~ ,;,.:.~ 'OU/.f..U,W'......I1.'.., """"t"u.- ,,'.'I,'f"-..,., : . .;r. , ~"I....,. ;~ " ,>~ ~~~.~, ;;;~~"~i'...cr-i" . s ~:.....""..~..,. '0. '" ~ ~. ...':.....f'.' .. .. .. S"~ii~ . ",. )..... ~ ~ 'S~. ~ ~';:' a ;: : ;: .M.. E ~ ;2. ~ ..._ ~i '\~ ~.c"'. i e4'~.-:~ ~ :..-'" i . ~~.~~~...'~- .. ~...~ "-: ',' ...:'')$'" ~ ,'I'~,:<ilJ'f' ..~ : "".I'.I>,7H.\~~,..,~\"l 1I0rAlllAl. SEAL ,lllNE A. STAFFORO, IlOTAR'I Ml.!a IWIPoal. <:lJjjllERlAHll COUI(l'f, ~ IIY COMMISSION exPIRES APlUl ...... ~~b~ ot~ry ,.. . , (t'\l!I1':Oel HOUSEHOtD FiNANCE 25 Gaieway Drive, Suite.107 MecfiSt\l03bUl Q. p~dd'.1.935 'fICiN ~;"''''''IO:'''';''; 7'l'''''''''~ ~~ .........,...'" _==""~=.. ........ .........:OO=a. ,....;.. ~""''"'''''14''''l Return To: Records Processing Services 577 Lamont Road . Elmhurst, IL 60126 09-20-99 MTG PAOOllSS 1=-11.E CO?'f IIIII~ Imlllill~llI~ Iml~lll~ 1~~iIIlWllmO~~~11 ~~llllmlll~ II~ II~ . , I 60/60'd p~GT06~STGT6 OL 86~~ 9T9 0~98NI~I~~3S II~/Id~-S~H ~~ 60:pT T0, YT ~~W - .' ~ c j _ L'. ~ t - ~_"__ ~'. '" .-"~' .... '" ...; "'~' -'~"'~~di- March 22, 2001 Ray E. Malseed, Sr. 4 N. Enola Drive Enola, P A 17025 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on vour home is in default. and the lender intends to foreclose. Specific information about the nahlre ofthe default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (REMAP) may be able to help to save your home. This Notice explains how the program works. To see ifHEMAP can help. you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE RECEIPT OF THIS NOTICE. Take this Notice with vou when you meet with the Counseling Agency. The name. address and phone number of Conslliner Credit Counseling Agencies serving vour County are listed at the end oHhis Notice. If YOU have allY questions. you may call the Pennsvlvania Housing Finance Agencv 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 you find a lawyer. LA NOTIFICACIO EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASE. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION IMMEDIATAMENTE LLAMANDA ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A~" IMIR SU HIPBO, TrTA. U B n HOMEOWNER'S NAME(S): Ra E. Malseed Sr.8@. i PROPERTY ADDRESS: 4 N. Enolad Drive Enola. P A LOAN ACCOUNT NUMBER: 713303-00-986111 ORIGINAL LENDER: Household Finance Consumer Discount Company FIKJA Household Finance COIporation "-""-"""",,,",,,-"~ .... ., "-.,;~v-~.i.MIiiIii ....."--...1..<",.,.-t" ~...;'l;w~~" CURRENT LENDER/SERVICER: Household Finance Consumer Discount CompanvFfKJA Household Einanc~'COl:poration HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM fORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: - IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL , - IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND - IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE--Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the receipt ofthis Notice. During that time you must an'ange and attend a "face-to-face" meeting with one of the consumer credit cOlIDseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE (30) DAYS OF RECEIPT OF THIS NOTICE. IF YOU DONOT APPL YFOREMERGENCYMORTGAGEASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT." EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES--If you meet with one of the consumer credit counseling agencies listed at the end ofthis notice, the lender may NOT take action against you for thiIiy (30) days after the date of this meeting. The names. addresses and telephone numbers of designated consumer credit counseling a[!:encies for the county in which the property is located are set forth at the end ofthis Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediatelv of your intentions. APPLICATION FOR MORTGAGE ASSIST ANCE-- 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 Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one ofthe designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have the 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 FAlL TO DO SO OR IF YOUDO 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. 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 ""-'-'b"-~'"'I1~ I Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure P,Toceed!ngs will be pursued against you if you have met the time requirements set forth above. You will be notified direotly by the Pennsylvania Housing Finance Agency of its decision on your application. -~ -,~_. -,-., ~ ,----~ ...~l,",~ " .- ' ~j doJIl,""""", ~"'- ~~ "'-~iIlii\:!!I ~~- ,---.,-b!li-""""'n;!lf.il'.i"llllilii;loc''''''~H",,~'l<,k:i NOTE: IF YOU ARB CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOW1NG PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed banlmlptcy you can still apply for Emergency MOligage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT--The MORTGAGE debt held by the above lender on your property located at 1: N. Enolad Drive Enola. P A 17025 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY PAYMENTS for the following montlls and the following amounts are now past due: approximately $880.46 for the months of October 2000 through March 2001 Other charges: TOTAL AMOUNT PAST DUE: $5.282.76 HOW TO CURE THE DEFAULT--You may cure tlus default within THIRTY (30) DAYS ofthe receipt ofthis Notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $5.282.76. PLUS ANYMORTGAGEP A YMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash. cashier's check. certified check or monev order made payable and sent to: Angela Williams Household Finance Consumer Discount Company FIKJA Household Finance Corporation P.O. Box 8604 Elmhurst, IL 60126 IF YOU DO NOT CURE THE DEF AUL T --If you do not cure the default within THIRTY (30) DAYS of the receipt of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. 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 OF RECEIPT OF THIS NOTICE, the lender also intends to instruct its attorneys to start legal action to foreclose upon vour mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON-- The mortgaged property will be sold by the Sheriffto 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 ifthey exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. Ifvou cure the default within THIRTY (30) DAYS OF RECEIPT OF THIS NOTICE, vou will not be required to pay attornev's fees. -'c,_o-""_'-""H~""""""'_.ll::IIa.._""-'" .. ~"~ , "~" ~ ~ -~ ~'-=",,-" , .0 _n' ~~ "~".""''';'~l~''''''''_ -",=JJ"""-"-'-''''''r~j~~~~-'''~~Ji''-,: . OTHER LENDER REMEDIES-- The lender may also sue you personally for the unpaid principal balance and all qther sm;ns due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE--Ifyou have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and nreventthe sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amountthen past due. plus anv late or other charges then due. reasonable attornev's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writin1!: bv the lender and bv performinlJ: anv other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE--It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately five months from the date of this Notice. A notice of the actual date ofthe Sheriffs 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 LENDER: Name of Lender: Household Finance Consumer Discount Company FfKJ A Household Finance Corporation Address: P.O. Box 8604. Elmhurst. IL 60126 Phone Number: 1-800-333-5848. Ext. 7695 Fax Number: 1-800-617-7744 Contact Person: Angela Williams EFFECT OF SHERlFF'S SALE-- Y ou should realize that a Sheriffs Sale will end your ownership ofthe mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs 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 mayor X may not 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. YOU MAY ALSO HAVE THE RIGHT: - TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. - TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. - TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEF AUL T MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) - TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. _ TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. _ TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. ~'"_~-d>'>:'-;'b~""'" .J. '__._ ,_~ <~_...__ _x,~~ " . _~ ."_"0_ L ""~~~,- ~, ..........~" ~--""~ ~ ."~-'~"- - '~""~@?"""',H:':"'''~',,"':'-:''_. FOJi CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY, PLEASE SEE THE ATTACHED LIST. NOTE: Unless you notify this office within thirty (30) days after receiving this notice, that you dispute the validity ofthis debt or any portion thereof, this office will assume that the debt is valid. !fyou notify this office in writing within thirty (30) days from receiving this notice, this office will: obtain verification of the debt or obtain a copy of judgment and mail you a copy of such judgment or verification. You are 'also advised that any information which you supply to this office may be used by us in the collection of the debt. !f you request this office in writing within thirty (30) days after receiving this, this office will provide you with the name and address of the original creditor. Although we have requested that you make payment or provide a valid reason for nonpayment, you still have the right to make a written request, within thirty days of your receipt of this notice, for more information about the debt. Your rights are described further, hereinafter. THE PURPOSE OF THIS COMMUNICATION IS TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THIS PURPOSE. SENT VIA REGULAR MAIL AND CERTIFIED MAIL NUMBER 70001670000238912662 RETURN RECEIPT REQUESTED Enclosure: Validation of Debt Notice '-%"""~"..!cll"--'-" ~~"~~U._'",=".,,^,_, ~'. < ~ ~~ ",,-~,~>~ ",~l~_ ," -~""-- ~~ -'lIIiIiIlli~'-'''''''''--' Ii'-"!",""","~'.~"'-'t~.~~_.~~~~~;;-: Validation of Debt Notice Pursuant to the Fair Debt Collection Practice Act (FDCPA) (15 USC 1692), a consumer debtor is required to be sent the following notice: (1) unless the consUmer, within thirty (30) days after receipt of this notice, disputes the validity of the debt or any portion thereof, the debt will be assumed to be valid by the debt collector, (2) if the consumer notifies the debt collector in writing within the thirty day period that the debt or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a Judgment against the consumer and copy of such verification or Judgment will be mailed to the consumer by the debt collector, and (3) upon the consumer's written request within the thirty (30) day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Our demand for immediate payment does not eliminate your right to dispute this debt within thirty days of receipt of this notice. !fyou choose to do so, we are required by law to cease our collection efforts until we have mailed that information to you. Although we have requested that you make payment or provide a valid reason for nonpayment, you still have the right to make a written request, within thirty days of your receipt oHhis notice, for more information about tile debt. Your rights are described further, hereinafter. The law office of McCABE, WEISBERG AND CONWAY, P.C. is acting as a debt collector, pursuant to the FDCPA. THIS NOTICE AND LETTER ARE AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. The Federal Trade Commission has ruled that The FDCPA does not preclude the institution of legal action prior to the expiration of the thirty day period. Acceptance of funds and reinstatement of the mortgage. are both subject to verification by my client. Please note that I may be instructed to proceed with foreclosure and fees, costs and/or advances by the mortgagee may be due in addition to the sum quoted above. Please further note that any funds tendered will be subject to verification and correctness before the matter is concluded. Please feel free to contact this office upon receipt of this notice should you have any questions or concerns. Date: March 22, 2001 .---r- !v0~ TerrenceJ. McCabe, McCabe, Weisberg, & Conway, P.C. First Union Building 123 South Broad Street Suite 2080 Philadelphia, PA 19109 """"""=,~' " ~ "-'0' .k~ ""'"~. ". . PENNSXLVANIA HOUSING FINANCE AGENCY HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES CUMBERLAND COUNTY Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, Pa 17102 (717) 541-1757 Financial Services Unlimited 117 West 3rd Street Waynesboro, Pa 17268 (717) 762-3285 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, Pa 17101 (717) 234-5925 FAX # (717) 232-4985 YWCA of Carlisle 301 G Street Carlisle, Pa 17013 (717) 243-3818 FAX # (717) 243-3948 __+4-_"_ ~>. "'-~=- j6lfi~-!ii1~~riP;;';' ~-, , ~- ' "" .~..~"~,,-' ' "' a""--' -L-~.w.:;~",,~,W.. March 22,2001 Fay L. Malseed 4 N. Enola Drive Enola, P A 17025 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on vour home is in default. and the lender intends to foreclose. Specific information about the nature ofthe default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (REMAP) mav be able to help to save vour home. This Notice explains how the urogram works. To see ifHEMAP can help. vou must MEET' WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE RECEIPT OF TillS NOTICE. Take this Notice with vou when you meet with the Counseling Agencv. The name. address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end ofthis Notice. If you haveanv Questions. you mav call the Pennsylvania Housing Finance Agencv 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 you find a lawyer. LA NOTIFICACIO EN ADJUNTO ES DE SOMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASE. SI NO COMPRENDE EL CONTENIDO DE EST A NOTIFICACrON OBTENGA UNA TRADUCCION IMMEDIATAMENTE LLAMANDA ESTA AGENCIA (PENNSYL VANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU illPOTECA. HOMEOWNER'S NAME(S): PROPERTY ADDRESS: LOAN ACCOUNT NUMBER: ORIGINAL LENDER: Finance Como ration Ray E. Malseed. Sr. & Fav L. Malseed 4 N. EnoladDrive Enola. PA 17025 713303-00-986111 Household Finance Consumer Discount Company F/KJA Household ."._,....,.&,--~'"""""""~<;I~_"'#c ~ ,~ M" . ~,o_ _""'>lj""....=~_' ...i...,.'~i1"li -r..,.....'''''-~~~_i IM;;;I"'t;,",Jl~""-"",- CURRENT LENDER/SERVICER: Household Finance Consumer Discount Company FfKJA Household !finance; Cor:porati on HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: - IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL , - IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND - IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE--Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days fi'om the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end ofthis Notice. TIDS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS OF RECEIPT OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT." EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES--If you meet with one of the consumer credit counseling agencies listed at the end ofthis 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 propeliv 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. APPLICATION FOR MORTGAGE ASSIST ANCE-- Your moligage is in default for the reasons set folih later in this Notice (see following pages for specific infonnation about the nature of your default). If you have hied and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Moligage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's 'Emergency Assistance Program Application with one ofthe designated consumer credit counseling agencies listed at the end ofthis Notice. Only consumer credit counseling agencies have the 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 thiliy (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTL Y. IF YOU FAIL TO DO SO ORIFYOUDO 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. AGENCY ACTION--Available funds for emergency moligage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance >"tl""~~~_'- ~ ~n_",~ _ ~ _ " ~" ~ ~, ." ~~ _=,""-"I~_,..,._l.,,,,,~!",,,,__ ":~<"'''"1i'!i",~,,~,,". JiiiJJ;K~'ilftllilll!rtlil!l,f --10<' ~lil:lio' "'<;:~'..liIlili"~~!l'3'i:E.; , Agericy has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure p,roceedings willl>e pursued against you if you have met the time requirements set forth above. You will be notified ciireotly 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 TIDS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Brin~ it up to date). NATURE OF THE DEFAULT--The MORTGAGE debt held by the above lender on your property located at.1 N. Enolad Drive Enola. PA 17025 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY PAYMENTS for the following months and the following amounts are now past due: apnroxinlatelv $880.46 for the months of October 2000 through March 2001 Other charges: TOTAL AMOUNT PAST DUE: $5.282.76 HOW TO CURE THE DEFAULT--You may cure this default within THIRTY (30) DAYS of the receipt ofthis Notice BY PAYING THE TOTAL AMOUNT PA~T DUE TO THE LENDER, WHICH IS $5.282.76. PLUS ANY MORTGAGB PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either bv cash. cashier's check. certified check or money order made payable and sent to: Angela Williams Household Finance Consumer Discount Company FIK/A Household Finance Corporation P.O. Box 8604 Elmhurst, IL 60126 IF YOUDO NOT CURE THEDEFAULT--Ifyoudo not cure the default within TIDRTY (30) DAYS of the receipt of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mOltgage in monthly installments. If full payment ofthe 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 pro\lertv. IF THE MORTGAGE IS FORECLOSED 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, YOLl 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 otherreasonable costs. If you cure the default within the THIRTY (30) DAY OF RECEIPT OF THIS NOTICE, yOU will not be reauired to pay attornev's fees. "-o.<=.Y_..."..,".''''ill'~.__;,,''~~-'~'''--"' ......~ idWJ ~ ' - - I ...........,,~ ~"--""'_'M,_"l.",""~, 1f-IIII1&lL;jllh~~f~~ki"Y+;'~71';;_ , OtHER LENDER REMEDIES-- The lender may also sue you personally for the unpaid principal balance and all ~ther Sli"jJlS due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE--Ifyou have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so bv 1;>aving the total amount then past due. plus any late or other charges then due. reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writing bv the lender and by performing' any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE--It is estimated that the earliest date that such a Sheriff's Sale ofthe mortgaged property could be held would be approximately five months from the date of this Notice. A notice ofthe 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 LENDER: Nanle of Lender : Household Finance Consumer Discount Company FIKJ A HouseholdFinance COJ:poration Address: p,O, Box 8604. Elmhurst, IL 60126 Phone Number: 1-800-333-5848. Ex!. 7695 Fax Number: 1-800-617-7744 Contact Person: An@:ela Williams EFFECT OF SHERIFF'S SALE-- Y ou should realize that a Sheriff's Sale will end your ownership ofthe 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 fhmishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE--You mayor X may not 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 ofthe mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: - TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITuTION TO PAY OFF THIS DEBT. - TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACrINGONYOURBEHALF. - TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEF AUL T. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) - TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. _ TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MA Y HAVE TO SUCH ACTION BY THELENDER. _ TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. ..,o;~ ^ ~"". ~~~~..,..,._, "",.,0. ~~.~" . .. ."~_..~_~_l _~ '~"'''''''''1_'''''li'-"~.'' "--,.Lt""",L'~II""'J.';,,,,,~~;..-,",, '",--,~....""",..'-~tlirt!kl.Lt'it~;, , FOR CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY, PLEASE SEE THE ATTACHED LIST. " NOTE: Unless you notify this office within thirty (30) days after receiving this notice, that you dispute the validity of this debt or any portion thereof, this office will assume that the debt is valid. If you notify this office in writing within thirty (30) days from receiving this notice, this office will: obtain verification of the debt or obtain a copy of judgment and mail you a copy of such judgment or verification. You are also advised that any information which you supply to this office may be used by us in the collection of the debt. If you request this office in writing within thirty (30) days after receiving this, this office will provide you with the name and address of the original creditor. Although we have requested that you make payment or provide a valid reason for nonpayment, you still have the right to make a written request, within thirty days of your receipt ofthis notice, for more information about the debt. Your rights are described further, hereinafter. THE PURPOSE OF THIS COMMUNICATION IS TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THIS PURPOSE. SENT VIA REGULAR MAIL AND CERTIFIED MAIL NUMBER 70001670000238912655 RETURN RECEIPT REQUESTED Enclosure: Validation of Debt Notice .,.=~.,~......,. ,. ',"_. -'~. ~- "-. ..; '" '-.""DfJll!iIl-' "'''''''~~:;;,L,i '. . . Validation of Debt Notice Pursuant to the Fair Debt Collection Practice Act (FDCPA) (15 USC 1692), a consumer debtor is required to be sent the following notice: (1) unless the consumer, within thirty (30) days after receipt of this notice, disputes the validity of .the debt or any portion thereof, the debt will be assumed to be valid by the debt collector, (2) if the consumer notifies the debt collector in writing within the thirty dilY period thilt the debt or ilny portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a Judgment against the consumer and copy of such verification or Judgment will be mailed to the consumer by the debt collector, and (3) upon the consumer's written request within the thirty (30) day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Our .demand for immediate payment does not eliminate your right to dispute this debt within thirty days of receipt ofthis notice. If you choose to do so, we are required by Iawto cease our collection efforts until we have mailed that information to you. Although we have requested that you make payment or provide a valid reason for nonpayment, you still have the right to make a written request, within thirty days ofyonr receipt ofthis notice, for more information about the debt. Your rights are described further, hereinafter. The law office of McCABE, WEISBERG AND CONWAY, P.C. is acting as a debt collector, pursuant to the FDCPA. THIS NOTICE AND LETTER ARE AN ATTEMPT TO COLLECT A DEBT AND ANY. INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. The Federal Trade Commission has ruled that The FDCPA does not preclude the institution of legal action prior to the expiration of the thirty day period. Acceptance of funds and reinstatement of the mortgage are both subj ect to verification by my client. Please note that I may be instructed to proceed with foreclosure and fees, costs and/or advances by the mortgagee may be due in addition to the sum quoted above. Please further note that any funds tendered will be subject to verification ilnd correctness before the miltter is concluded. Please feel free to contilct this office upon receipt of this notice should you hilve any questions or concerns. Date: March 22, 2001 1':-111 ~/tlAL .~ 11c--~ . Terrence. McCabe, Esquire McCilbe, Weisberg, & Conway, P.C. First Union Building 123 South Broad Street Suite 2080 Philadelphia, PA 19109 ,~.~~""""",. ~ ~ ",' < j .' " ,- , PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES CUMBERLAND COUNTY Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, Pa 17102 (717) 541-1757 Financial Services Unlimited 117 West 3rd Street Waynesboro, Pa 17268 (717) 762-3285 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, Pa 17101 (717) 234-5925 FAX # (717) 232-4985 YWCA of Carlisle 301 G Street Carlisle, Pa 17013 (717) 243-3818 FAX # (717) 243-3948 ," ~ --t ~"'~ ___~'~g, '-=""'",.-." .1 ~.~""'~ ~ ~ ~~~ "" " ,,_n. --.~.~ ~~16'~~,- ~ I' ,. . ' VERIFICATION The undersigned, Renee Turner, hereby certifies that she is the Foreclosure Specialist of the Plaintiff in the within action, \-\r" l':,E"Hr.ch \='\I-.lf\"'c.\." t rII-.\.<:t1m8C ~\"'Cf)\')l-.l" ln0\Pf\t->'1 , and that she is authorized to make this verification and that the foregoing facts are true and correct to the best of her knowledge, information and belief and further states that false statements herein are made subject to the penalties of 18 PA.C.S. ~4904 relating to unsworn falsification to authorities. ~d cUL ..._.______."'' .. .. ...".... ~f.._.___._._....__.. RENE TURNER ,~~!l!~1>41~,,,,i,'i.OJ'", ,"".'; "",'1""""',,,",:,,"',1"0' ,,,)t.;>"NHI"'i_'i,-~;fHJ"';,","_~':,'i"'<'P: ,.~-~1,,;,{"'Hd;,j:i(t,.,'~~W-~~ll>I;i.S:lkd,E!MiffifJMi-o"i!';_,,"''''W'iti<ti,';tl,;~~~>'t:(iM'jl!!1~lli!~W!ill!!H1!>l'~l " ~r~!\Iill!:{ j;' ~ ~ ffE: l1!bD ~ . -, ~ ;. . , ,~ ':-"' !.:-:t-~ ;,.: ~ ,..~ ,,),,' ;.J. ~ :,., ',,' c::' :::~ I-:'~' " . VIWi;\1 J. S :"( N3d 1 ,," ,,, .~ -'") .::=J (bE;::.!'! ~ ~ /hl1D @'2) 10, lid [2 ~ S Nnr UltrHeLi. ,uHrig :l:lfil3f1'l oj;'., JO 311~~O ~'- "__~. ..,~" ,~ ~ ~,~,_,. _"~__"'~~ A ___><.~"__ ,I , "---,"~~".~ , . ~-, . ~~ _'_~~_N -" -.~ -~ -,' ,"- i~~r~ '. ikik:i;0:d!iI~mt!lill0L' '... 'I McCABE, WEISBERG AND CONWAY, P.C. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 First Union Building 123 South Broad Street, Suite 2080 Philadelphia, PA 19109 (215) 790-1010 Attorney for Plaintiff HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY CUMBERLAND COUNTY COURT OF COMMON PLEAS v. RAY E. MALSEED, SR. and FAY L. MALSEED NUMBER Ol-2761-CIVIL TERM PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Kindly reinstate the Complaint in Mortgage Foreclosure in the above-captioned matter. '\ .~1 d lief) // ""_' f Jiilfl/L(1 :d---' ) . I ~ JIlL ./ TERRENCE J. McCA~, ESQUIRE v . Attorney for Plaintiff ,~0,oo:"'~'*',-""""-""""'-~ ~-- '"--'l'f- .-' ~- ~, ~ -~ ~" ~__~.l.~ ~ "' ~. J , McCABE, WEISBERG AND CONWAY, P.c. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 First Union Building 123 South Broad Street, Suite 2080 Philadelphia, Pennsylvania 19109 (215) 790-1010 Household Finance Consumer Discount Company 961 Weigel Drive, P.O. Box 8634 Elmhurst, IL 60126-1058 v. Ray E. Malseed, Sr. 4 N. Enola Drive Enola, P A 17025 and Fay 1. Malseed 4 N. Enola Drive Enola, PA 17025 '"' "".~-.' ~'., ~-,- .... '. ~-- '''''~,-~!!:ll'~~ Attorney for Plaintiff Cumberland County Court of Common Pleas TRUE COPY FROM RECORD l~ T~;tM\-.ooy "'l$fOOf, i jw#il tmt.;jilJ( I1lW tlIlrld :!.w.:! 1M _ flf ~j fi,)ij.t :$: C?rl~. Pa. C- ~~daYp~~~,~~ ""1I.~, I Number Dt- ~7bl Co; ( '7-~ CIVIL ACTION/MORTGAGE FORECLOSURE NOTICE AVISO 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 servedl 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 HELP. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (717) 249-3166 Le han demandado a usted en la corte. Si usted quiere deEenderse de estas demandas ex~puestas en las paginas siguientes, usted tiene veinte (20) <lias de plazo al partir de la fecha de la demanda y lanotificacion. Hace falta asental' una comparencia escrita 0 en persona 0 con un abogado y entl'egar a la corte en forma escrita sus defensas 0 sus objeciones alas demandas en contra de su persona. Sea avisado que si listed no se defiende, la corte tomara medidas y puede contilluar la demallda en contra suya Sill previa aviso 0 notificacion. Ademas, la corte puede decidir a favor del denlandante y requiere que usted cumpla con todas las pravisiones de esta demanda. Usted puede perder dinero 0 sus propiedades u otras derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDlATAMENTE. SINOTlENEABOGADO OSINO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DffiECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASlSTENClA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (717) 249-3166 .$j'._~,"",3.!'~'"""_ ~I~ ._.J. ~~, ~""''i t:~'- --. ~ -~",",,"d -:~~;, McCABE, WEISBERG AND CONWAY, P.e. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 First Union Building 123 South Broad Street, Suite 2080 Philadelphia, Pennsylvania 19109 (215) 790-1010 Attorney for Plaintiff Household Finance Consumer Discount Company 961 Weigel Drive, P.O. Box 8634 Elmhurst, IL 60126-1058 Cumberland County Court of Common Pleas v. Ray E. Malseed, Sr. 4 N. Enola Drive Enola, PA 17025 and Fay L. Malseed . 4 N. Enola Drive Enola, PA 17025 Number CIVIL ACTION/MORTGAGE FORECLOSURE 1. Plaintiff is HouseholdFinance Consumer Discount Company, a corporation duly organized under the laws of and doing business at the above captioned address. 2. The Defendant is Ray E. Malseed, Sr., who is one of the mortgagors and real owners of the mortgaged property hereinafter described, and his last-known address is 4 N. Enola Drive, Enola, PA 17025. 3. The Defendant is Fay L. Malseed, who is one of the mortgagors and real owners of the mortgaged property hereinafter described, and her last-known address is 4 N. Enola Drive, Enola,PA 17025. _"'-"l!lful~ ~- ~, llJ!Wi' , "'""'Jrj( -,~ '" '~1iffij,;fkj, 4. On 11/17/99, mortgagors made, executed and delivered a mortgage upon the premises hereinafter described to Plaintiff which mortgage is recorded in the Office of the Recorder of Cumberland County in Mortgage Book 1583, Page 187. 5. The premises subject to said mortgage is described in the mortgage attached as Exhibit "A" and is known as 4 N. Enola Drive, Enola, PA 17025. 6. The mortgage is in default because monthly payments of principal and interest upon said mortgage due 10/1/00 and each month thereafter are due and unpaid, and by the terms of said mortgage, upon default in such payments for a period of one month, the entire principal balance and all interest due thereon are collectible forthwith. 7. The following amounts are due on the mortgage: Principal Balance Interest 9/1/00 through 3/6/01 (Plus $27.79 per diem thereafter) Attorney's Fee Cost of Suit Appraisal Fee Title Search $92,368.26 $ 6,186.50 $ 4,618.41 $ 225.00 $ 125.00 $ 200.00 $103,723.17 GRAND TOTAL 8. The attorney's fees set forth above are in conformity with the mortgage documents and Pennsylvania Law and will be collected in the event of a third party purchaser at Sheriff's Sale. If the mortgage is reinstated prior to the Sale, reasonable attorney's fees will be charged based on work actually performed. 9. Notice of Intention to Foreclose as required by Act 6 of1974 (41 P.S. 8403) and notice required by the Emergency Mortgage Assistance Act of 1983 as amended under 12 PA Code Chapter 13, et seq., commonly known as the Combined Notice of Delinquency has been sent to -'''~~'''''"",,,,"W ''- . . " _. ~'"'_f'~ lii!lii:1i iA;', Defendant by certified mail on the date set forth in the true and correct copies of such notices attached hereto as Exhibit "B." WHEREFORE, Plaintiff demands Judgment against the Defendants in the sum of $103,723.17, together with interest at the rate of $27.79 per diem and other costs and charges collectible under the mortgage and for the foreclosure and sale of the mortgage property. - CC' ') ...-------.".. ) ~ . . J<,-,,-"^_.~~_"-_.c ,'. fv k . ;~ "-.- TERRENCE J. McCABE, ESQUIRE Attorney for Plaintiff .' . '. '.'" " ~. .' . l~ l" 'l ,." ,. " . ,. .-....: , ._1~ ,. , 713303 j'MORTOAOEj o ll' BOX lS CHEC.!::l'!D. THIS M'ORTGAGE 1S AN OPBN-END MORT(M.GE AND SECURES FUTURE ADV,l.NCES. THlS MORTGAGE is made this day 171H RAY E MALSEED. SR FAYLMALSEEO_ ...... .. --.... .. (herein . BOrrower") and !\fortgagee HOUSEHOLD F I NANCE CONSU""I'B DISCOUNT COMPANY of ~, :: NOVEMBER J9~, ~t~'een the Mortgasor. a. corporation organized and e:xistlng- und~( -tho laws of 25 GATEWAY DRIVE. GATEWAY SQUAREtSUITE107. ! f\t,.rr;iJ> '" 1"!I'tn.:r-....~ ....'-~........r. "l....oo-)l....t;..1. I. PENNSYLVANIA MECHAN I !(SBU~2J_-EL....1J_q.~;;,.. whose addrtsS is . Th~ fOllowing paragraph p.eceded by a checked box is applicable. . c=J WHEREAS. Borrower is indebted to Lender in tho principal sum of $ 92,597. 7A , evidenced by Borrower's Loan RepaYinMt and Security Agreement or Secondary MOrtgage Loon Agreement dated NOVEMBER 17, 1999 and any extensions or renewals the.eof (lIerein "Note"), p.roviding for monthly installments of principal Md inter""t, including any adjl.lStffi<m.ts to the amount of payments or the contr.ct rate if that rate is variable, with the balance of the indebtedness. if n.ot sooner pllid, due snd p.yable on NOVEMEtER' 17, 2029; o WHEREAS. Bortowcr is indebted to Lender in the princ1pll1 !>um ot $ , Or so much thereof as may be advanced pursuant to J30rtO.,er's Revo!vjn~ Loan .<l.greemerlt d.red . and e~tensi.cns and .reo.ewals thereof {herein IlNote"J. orovidit'l~ for .rnonth.hr ;t'1~tiln"'\I"""~~ ""'g .~.,....---_... "''' ........ .....'Z- """'g' ... .,. . ". \... h ",~-.'.""h'J:. ~.... .J...I..,.o~"~IlJ" l.JL.:l.~i.uIlCH~~l""1 Hne~St,:a.t the~1J..e ~n ,.,. -'~''', ~ ."-............. .'.......:...,.;II'~...d: .... ...,..~ ...,...._. ........-.....6 "':"":r- A.....J"VD\o:ate:H~~ :tn m..e tnroresr rate r <::It ra e lS Va!'Jat;)Ie~ ~n p~[ding for a creQ.lt limit seated in the prindpal sum above and an inhial adva.nce of ~ " : .' TO Sl?CURE to Len&r the repayment of (1) the iadebtedn= evidcnocd by tbe Note, with interest thereon, including any inc:l"Ca.se$ if the contract tate 2S variable; (2) tuture advancc;s under any Rcvoh'ing Loan Agreement: (3) thIS pa.ymont Qf all other sums. with: interest thereon, advanced in Bc;cordance herewith to protect the security of this Mortgllgc; .nil (4) the performance of lh. cov<:nanrs anil agrecmenrs of :Borrower herein """tained. )3ortOwet" does hereh)' mortgage, grant an4 convey to Lender a.nd Lenc.kr~s su~ors .and assigf1.$: the: following described ),roperty located in the County of CUMBERLAND COm1l1on~'ealth 01 Pennsylvania: ALL THAT CERTAIN PROPERTY SITUATED IN THE TOWNSHIP OF EAST PFN~~~n~n i~ ~~r..23~~1~, ri~.~~~~~~~~~ ~N~ ~~_~~~~U'~~ PE~~@o/t~~NIA. B~ING MORE FULLY DESeRISED IN A FEE SIMPLE DEED DATED 1112211983 AND RECORDED 11/23/1983. AMONG THE LANO RECORDS OF THE COUNTY AND STATE SET FORTH ABOVE, IN VOLUME 3D PAGE 1050. TAX PARCEL 10: 09-tA-OB32-336 ,.~.,...'t'Af ".:.J\ '''''$;/ '~i ~~ .~O I ~iK'~ i i~~),'1~; f.!' [~ t'J,t.-'9" ~..i L" ..s"4'. AA . r,t,..:"l ..,"ij,'1~ ,,~ t{,;' .,; . ':ti b:~~It;~'I'. IJ!f -^,. 111 \.. 09-20-99 MTG PA001Z61 FILE COpy 11lIJ! n~ mllll! Ill~ DiU liD !!IIJ 11m MI ~~ 1I11111iD ~Jm UJfflImI fflI1M 60/<:0'd P~c,06~S,C:'6 01 86~~ g,9 0~98NI~J0~3S ll~/ld~-S~H ~~ 90LP, ,0, p, ~~w ............~ ,,~t~ ~ -..~ " .. . ~ "- li ~'~'~'8r"'~" "',i>......~"..Di~~tv-' '''''-''iio!b,,,,-"~, irI :;' ""I'.~'~'''''''''r'''';''''''''' ~ , l. ,of. -.2- TOOETHER with all the i....~rovements now Or hereafter erected 00 the property, and all eesoments, rightS, awurt=nces Bod rent.<, all of wh,ch shal! be deemed to be aild remain 2 part of the property covered by this MOJ'tg8ge; ~nd all of the foregoing, together with said property (or the leasehOld estate if this Mortg~ge is on a 1""$Ohold) are hereinafter ",ferred 10 a6 the "P<operty." Borrower COVenall1s that Borrower is lawfully 1!elsed of the estare hereby conveyed and has the right to mortgage, grant and convey lhe l"'toperty, and Wt tho property is unencumbered, e'cept for encumbrances 01 record. Borrowet coVenants that B~rrower warrants and will d.fcod generally the title to the Property against ~11 claims and deflJ,'ods. t , . . ... - .' ..... ~',-".,,- p.... ........~~.~-_t ~i:i\)Ject \0 en~\ltn btanccs of rc'Cord. l)NIFORM COVENANTS. Borrower and Lender covenant and agree as follows: I. Payment of Prio";p.l .n<l Interest >>t Variable Rates. This mortgage secures all paymC11t$ of prjncip.! and interest due on a variable rate lOan. The COIltract rate of Interest and paymel"lt amounts may be subje.<;t to change as provided in the Note. Borrowers shall promplly pay when due all amounts reqUired by the Note. 2, J'unds for Taxes and lnsu....tlee. Subjec1 to .pplicable law or waiver by Lender, I3orrower shall pay to Lmder On the Qa)' monthly payments of p:inciP<'1 and interest ate payable under the Note, until the Note is paid in fuJI, a Sum (herein "Ponds") eq1JAlto oJ>e'iwelfth of the yearly taxes and assessments (including cnndominium and planned unit dO\'eloprnent assessments, if any} which m.y attain priority Over this Mortgage and ground rents on the Property, if any, plus one,welfth of yeady preminrn installments for hozard insur.nce, plus one,welfth of yearly premium installments for mortgage insurance, if any. .n as reason.bly estimated initially and from time to time by Lender on the !)asi. of a=srnC11t.<: .nd bi)ls and reasoMble estimot"S t""reof. Borrower s/1all not be obligated to make such paymtmts of FutLds to Lendet to the extent that 'RDrtOwer makes such P8Jlments to the holder ot a .Dt'i.or lY.I.oJ'b:A,A.e. 0". ~~ yt"oIo.F\N' u-auo;:a -nOIQQT 15 art .nSt:l~UtIOnal Jcri~er. " II Borrower pays Funds to Lender, the Funds sootl be held tn an institution tho doposits Or acrounl.'; of which are itlS\.lred or gvaranteed by ~ Federal or .t~te ageooy (inoluding Lender if Lender is such ~n i.ostitution). Lender shall apply the Funds to pay said \axes, assessments, insurance premiums and ground renlS. Lender may not "harge for so bolding and applying W Funds. analYzing said account or verify;nj: and cotnpilins said "%*~monts,and bills, un!""" Le<tder p.ays IIorrower interest on the Punds and applicable l~w p!:t'mlts Lender to make such a ehoige. Borrower and I.J;nder may scree in writing at the time of eliCcl.ltion of this Mortgage that intorest on the Funds .shall be paid to Borrowet, and unless such agreement is made or applicable law requites such interest to ,be paid, Lendor shall not be required to pliy BOl'1'ower any interest or earnings On the Fuods. !:.enaer shall give to Burrower, wilhout charge. an annwl accounting of the Funds showing credits and debits to the Funds snd the purpooo. tor which each debit to lhe !:'I,li\ds was ",.de, The Funds are pledged as additional sec\Jrity for the SU1'nS secured by this Mortgage. Jf the amOunt of the Funds held by Lender. togeth~ llJith the future monthly installments of Funds payable prior .. to' the due: dates of taKes. ~mF.;ntf\~ tl")e-lIrl;lf)~p' \')r'f!:.."i',,.,a on,i f'I......,.,.v4 ,.......,. ...'-..11 ........~I. ..~, ,,,- r~. '... " ." = r .' _~ ~ .., ~ '~"'" -.l...._u"'.~J.'~oJl....~"O;;' "'1\:;UL1um~ l:fl}c,.) J:!Jol.ll1d.r~!1.tSl.$hal.t eX(.."'eied.,the arnQ.U(1~ 't\e(l~tW. to O~J.f ...,...... ...~I t:l~~vHl5, In:s.unmee: t-'~ ...mlUt"tls ",no. ground reI'1ts-as tnc.)' raJr Quet .SOCh excess Stlal ( 00, at .tlorrower s option, either promptly repaid to BOrrower or Credited to Borrower on monthly installments of Funds. If the amOunt ' of the Funds hold by Lc04er sholJ not be sufficient to pal' la,es. _ments, insurance premiums and ground rents as they fall duc, .Borrower shall pay to ~der any amoUnt necessary to make up the ddici~ncy in'one 01" mo.r>e p;ly"'ettts a5 Lender may require. . . '. Upon payment in full of all Bums secured by thia Mortgage, Lender shall promptly ""fuod to Borrower eny !unds held by Londer. II unoor paragraph 17 hereof the Property is $Old or the Property is .othorwise acquired by Lender, Lender shall apply. no later than immediately prior to the ...Ie of tbe Property or its acquisition by LeIlder, any Funds held by Lender at the tiroe Qf application as. credit against the sums secured by this Mortgage, 3, Application of Payments. Except lor IQans made pursuant to the. Pennsylvania Consumer Di!lCouo.t Company Act, all payment' received by Lender under tbe Note and paragraphs,! and 2 hereof shall be applied by Lender fit'$t in payment of amounts payable 10 Lcndf:1' by Borrower uncler paragraph :1. hett'll!, then tointere.s\. and ~mto~.~~ .' . , . .... ;;: H-1of"i.i'Bf'i'gage. anll vwl:t 'Or Trust; Cliarges; Liens. BOrroiver shall p!:t'form all of. !'lorrowor's,obljllstions under any mortgage, deed of 'trust Or other security agreel1)eJlt !I'ith a lien which bas priority over this Mort&age. jnduding !lemow"r'. covenants to make payments when due. Borrower shall payor cause to be paid all taxes, aooessmentS and other <:ltarges, finl39 and impositions attdbutable to the Property which ouy attain a priority over this Mortgage, and leasehold payments or ground rents, if ~ny. . 09-20'99 MTG PAOOltGZ Fll~ CO?y IIDliWlmJInilnlmlllilllllll9lml~II~lml~IUII~lmlnlnlmIUI 60/~0'd P6cT066STcT6 01 86~6 9T9 0~9~NIJln~3S IIJ/ldJ-S~ ~~ 90:vT ,0, vT ~W ~:"L~"'~I :':: ,'~ . . ~ ~'&ll: .~~"" -" ,"" " ,. .;~'" t'~. ~ ~ -."__~J.. -;;..,...- ".~, .:.. ....._, _,I ',r. - . '\'; ...,;t,.' _."~~" ~ ".\ ;' "" .,..,,=.._"-'.....*...'. ,d ~-fi~~~tJt'[i',\), .. " -3- S, H~~tlrd Insvrance, Borrower shall keep the improvoments now o.jsting or h""ealter erected on the Proporty itlSured against !OI>S by fire. hazards included wtthin the t6m "extended coverage: .nd such other ha<ards as Lender may require. The insurance carrier providing the i=ance Shall be chosen by ,he BOaO\\'er subject to ~oproval by L".~nder: ;.ii..J..4;:.,.;, ..,.~'.. ............. ...t"'i4..-........., ............, ............ i--. ...........;~............;t" ~tuu..."'...... ,b4.;~' l.wJ'VF'b.;;o;:C pcuicle:s~an&'fCnc;waJs''lfibieoj:'shiuroetn~a form llCceptable to Lender and .hall inciuec a standard mortgage clause in favor of and in a form acceptable to Lender. Lender slulU have the right to hold the policies and renewals thereof, subjoct to the terrosof any mortgage, deed of trust or other security agreement with a licn which has priority over this Mortgage, . . In the event of loss, B.orrowerSh&ll,g-lVe prompl notiee to the insuran<"<l c&trier and Lertder.l..ender !nay make proof or loss If not Made promptly by Borrower. ' !tthe 1"re>perty is abandoned by Borrower, or if Borrower fails to re$pond to Lender within 30 days from the date noti<le i. mailed by Lender to Borrower that tb.e insurance catri~r offers to settl~. claim for ins\lran~e benefits, Lender;s au!horiz.a to collect and apply the insuratlc~ proc~ds at Lender's option either to restoration Or repair or the Prop:rty or to theSl.lffissecuredbythisMo.rtga,ge. . 6. Preservatioo and Maintenanoe of Property: Leaseholds, Conuominiums: Planned Unit Developments. Borrower$hall keep the Property in good repair and shall not commit waste Or permit impairment or detetiorationoIthe Prope.rtvi!.fldshatl t:OJ'J\ol,v wHh th.A f)\"<l'Q;~;C'"\!'\t;' r.t '.I'M, lq.~(v~:t ~h:(, ~A'^",........,<W.. t... A~... I........':'.....:,. Af..t ,.. .....". '\, .,~. ~'.. :. . . ....c....' "f ~...... ...H....l .........0::........):. _."i.u ...be ],.1,1 t.H'A.sH.J.U~ Ul.d.UY 12~W Li lIUS f.vl0/'t,1!!U!',# ls.on a leasehold.. H !Jus ~Ot1.ilMtc jJ;: .ot},A ~jr. ."u '" (il1;l:J t:lW'tnu'Uum or a plannea umt aeVeJOplnent, .....Orrower SntH porlonn au or JjOrro......er s Cbhg8.nons unr;tef the declaratiOn or covenants creating or governing the COndominium Or planned unit developmeot, the by-Jaws and regl,llatioM ofthe condominium Or planned unit deveJopmet)t, end constituent document.;. 7, Protwtion of Lender's Security. If Borrower fails to perform the coven~nts and agreernentscontained in this Mortgage, or if an)" action or proceeding i. eomm~ced ....hieh. m~terislly .ft<<:ts Lender's interest in the Properly, th"" under, at Lender's option, upon notice to Borrower, msy make such appearallces, disburse =h SUJ1:'1a, including reason.ble pttorn"1S' fee.s, .ne! t.kc s\lCn action ""is necessary t'O protectl.enclor'sinter<'St, Any amo\Jnts disb\.lrsed by Lender pursuant to this paragraph 7, with interest thereon, at the cOntract rate. shall becOme llflditional llldebtedness of Borrower secured by this Mo:rtga.ec, Vllless Borrower and Lender "-Ereeto other ",,"ms ot payment, such am,?unts 5hal1l>e payable upon notice from Lender to Borrower requesti%\ payment thereol, Nolhing contained ill this paragrllph 7 shall require Lenderto incur any expense or lake any action IwellIl.der. ~, InSP<<'tion, Lender, may .ske Or ea~ to. be fil~de re&SOtl.8bl<:> ~mriC$ ~P'?o and ins~tions of. the, Property, nroy!A-A'hatTAnnRrc:'btl'l gt,,"'f\'ll...,'1""I'...................................... ......,~~."l, ..-::..10....'.. ." . of .'. .U~il.. ;r.~" ~l t..~l "\!:;'J~"'.e:.i.:I. UIIWi'ict nOCIc:e1..lt'IOt"to.anys:ucn l1"u:pect.ton,cpAdt"p;n.A..-.....of1-9lblbCAU- d.........."......._l............. t"'U;5ciirr'ii!liteiWlm",,enopertY.. . 9. Condemnation, The proeeeds of any award or olaim for damages, direct or consequential, in eonnection with any condemnation or other taking of the Property, Or part thOi'cof, ar for conveyance in lieu of cOlldemnation, a~ hereby assigned and shall be paid to Lender, subject to the terms of any mortgage, deed of trUBt Or other saourity agreement with a Ii"" which h~ priority over this Mortgage. , IQ. Botrower Not Released: Forbearance By Lende, Not. Waiver. ExtensioQ' of the time for payment Or mod;ficatioo ot amortization of the S\Jms secured by this Mortgage granted by Lender to any 81,1ocessor in Interest of Borrower shall not operat~ to release, in any msnner, the liability of ,he original BorroWer and Borrower's SUCC6S$OrS in interest. Lender shall no! be required to commence proceeding$ ~gai!l$t su<:h S>.1(:OSSSOr Or refuse to extend .ime for payment or othorwise mo<lify amortization of the SlIms sccur.a by this Mortgage by rcason of any demand mad. by the original Borrower and Borrower's .successors in interest, Any forbearance b;y Lender in exercising any right or remedy hereunder, orotherwi"" afforded by applicable law, shall not be a waiver of or preclude the exe",ise of any such right or ~J;mI;GJI~ . . . ..,~ eJ.... ~. "~""fr: SUccessors iind .Assigns Bound; joint and Severel Li.bllity; Co-signer.. The covenants and agre<ofil"\lts herein containod shall bind, and the rigbm h....ounder .hall inure tO,the respectivo suoces-sorsand assigns of Lender and BulTtlwer, subie<-'t to the provisions of paragraph 16 hereof, All <:ovcnants and agreemeots of :llorrower sball be joint and several. An;y Borrower who cO"signs this Mortgage, but does not execute the Note, (a) is cO"Signing this Mortgage only to mortgage, grant aod cOllvey that Borrower's interest in the Property to Letl.der under the terms 0/ this Mortgage, (b) is not porwnally liable on the Note or under this Mortgage, and (eJ agtee5 that Lender and any other BorrowEl< hereund.... m.y .g~e to extend, modifY, fMnear, llr make any ot~er ..ccommo<llilions ....ith fQgard to the terms of this Mortgage or the Note without that Borrower's COnsent and Without releasing that Borrower or modifying this Mortgage as to that Borrower's interestin tho Property.' . 09-20-~9 MTG PA001263 IIUIIJIIIIIIIR /lJ1111!11~I/Jlllrull!ll>>"'18I!1I1J11l11IlRJrJ~~ I~J'IUJ pm lI/1'M 11IIilI1ioll4I1lll1;llllilillWiIillllWO..-ullllli>Ol&allillllllilllI\l1ilol1lilidOlNilll!l1Ul "Ir.. 'lh~" tifll- 6t1l/\7I1l'd \7~G,11l6~S'G,6 01 86[~ 9,9 0[9~NIJI~~3S IIJ/ldJ-SdH ~~ 90:\7, rl1l. v, ~~W . "..~- ,-~ -~ "/- . .~~" "'"~ ~ , ""~. ."",. -"", ~ .~'~, .~, '" -, ~ "" ;l.,"",-",-~, ~--"""""'1I'i'2i75;;;0IliJ~t"- - '. .....; , ' -4- 12. Notic~. Except/or ~ny notice required un~t:l" .pplic.ble law to be given in anc>ther manner, (a) .ny nc>tiee to Borrower provIded for In thIs Mortgage shall be given by delivering it or by mailing such Mliee by Certified mail addressed to Borrower .1 th~ Property A.ddress or at such other address as Borrower may det>ign.re by notice to Lenderas Pf'ovidoci herein and (b) !ny notice to Le21dec .!::h3.11..he tdven bl16Art:H'~....&. .,.....;J to h.......J.......... ............"--~........=-- .............................-........ Omer a"Clress asU1iaer may aeslgoale oJ' /lot/ce to lXlrrower BSprovided herein, Any notice provided for in this Mortgage shall bcdeemed to have been ginn to florroweror Lender whengiven in the manoerdesignated herein. . 13. Governing Low; Severability. The atate aJld [oeallaVls applicable to this Mortgage sh.1l be the laws of the jorisdiction in which the ProperlY is located. The foregoing sentence shall notllm; t the applicability of Federal low to Ihis Mortgage, In the eVent thatanyprovla;on orelalJ$e DE this Mortgage orthe Notecon!licts with applicable law, such contlict ahall not atfC(;t other provisions of this Mortg/lge or the Note whkh .-an ~ given effoct without the conflicting provision, and 10 this end the provisioIlS of this Mortgage and the Note arc declared to be severable. lIB llSed herein, "e=," "expenses" and "attorneys' fees" includesll soms to th.~~tentnot prohibited by applicable Jaw or limited herein. 14. Borrower's Copy, Borrowershall be furnished a conformed copy ofthe Note and of this Mortgage at the time of ~l:Cution or after recordation hereof. 1.5. Rehabilitation LOBa Agreement. Borrower shall fulfill all of Borrower's obligations under any hOme rehabHit;ltton, imprQvemetit, repair, Or other loan agrremem which Borrower enters into ,.ith I...,nrl,," l.Hor1,..,. ._ J ,,;I' ..' . . . "?! ..... . n....".. . _. ~.. .~'" 'H~"" t' t.U L.UUU\,.-' ~ L,t..UOCI ~ ~l. ~7~tii8::;~~fm7i- d6r~~~owhi~hri30;;;;;;- ;;,:;; ~~7~~~;l~7':;i:S- :i;; ;;;;fri:;:;";' :::;:~;': :::~: f~ connection with improvements made to the Property 16. Transfer or1ne Prop-erty. If Borrower sells or troosfer. all or .nypar1; of the Property or.n interest therein, excluding (0) the creation of" lien or encum ImIDee subordinate to this Mortgage, (b) a transfer by devise, dCS(Oent, or by operation of JaW Upon the death or a joint tenant,(e) the grant or any leaechold interest of three. years Dr less Mteontaining an option to porcha.se, (d) the creation of a purchase money security interest for housebold epplianc,,", (e) a transfer to a relative resolting frOm the death of a Borrower, (I) a tran"er where !he spouse or children' QI the Borrower boeome en Owner of the property, {d a trdnsfcr resolting from a ~ree of diSSOlUtion of marriage, legal ooparation al;rcement, or from an Incidental proper!)" settlement agreement, by ~'hich the spooac of the Borrower bccomC$ an owner of 'the property, (h) a transfer into an inter vivos troSI in which the Borrower is and remains 0 beneficiary and which does not relate to a uansfer ofrigh!ll of occupancy in the proper!.;', ar (i) any other transler ardispositian.described in regulations prescribed by the Federal Home Loan BanI: Board., Borrower.~h~J.I.ea!\~ to Qe.$ubmitt.ed ;"Ior"'"t:,.,,, '.')ll;'~n 1-..1 .;;A.__ f:;.;. ~~~:,,:!~~~;." ~: .~;;;~i.'~;; ;~; ;..;~:.. ;;;;~ ~~~ ;;;;~& ~~...~ 4,", m~ ",riiisic:ree. jj6rroW'efwtltco~tin'li:vfiJ '&~~Hl'tgat~ncter "'.................""...i.~....... .. . the Note and this Mortgage onlessLender releases Borrower lfl writ; ng. If l..ender does not agree to =h .sale Or transfer,Lender may declare.l! of the soms secored by this Mortgage to be ~ immediately doe and payable. If Lender exercises sucn option to acoolerate, Lend.... shall maH Borrower notice or ~cceleratjon in accordance with paramph 12 hereof. Soch nOlice shall provide a period of not less thao 30 days from the ,:late the notieei. m.iled or delivered within Which Borrower may pay the sums declared due. If BOrrower rail. t>:> pay such . sums prior to the expiration of such period, Leoder may. without further nQtice Or demand on .Borrower, invoke any rt:mcdies p"rmltted by paragraph 17 hereof. NON-UNIFORM COVENANTS, BorrowCl" and Lender fUrlhercovcnantsndayee asrol!ows: 17, Acceleratio",; Remedies. EKeepl89 provided in paragraph 16 hereo , upolll'lorrower's.brcach of uy CO"CnAl'\t or agteement of Borrower in this Mottgage, ineludinl1 the covenants to pay when du" any sums secured by Ihis Morlga~e. Len(1er prior loacceler.tion shall giv"n01icc to BorrOWerss provided In poragrapb IJ! hercof$......cifvinl1. (lJ the breach: l1.l the ""t/..,,, ",m,l..A... ."" ."., _. "..... _ '.' '-I. '., . , , '. . ,tr'" .' ", '.. 1".... _~.......""iL>. ,.a., ..u... ol.Il...iVJ' .ttQtA)('ba 't.;cllr~ such br<:ac.tc (3) a d~te. .btl'~ li~6:, thj'a.).;o, ........... . 'K'> ...~ ..~..;,. ...:.... .....~....:.t lie. "".u~.... AU "..,p.rc,nvCT, OJ'" WIUch SlU;n Drcacli must 00 curco; ana \4 that adure: to ~ure s.uch breach on or before tbe date specll/ed in the nOlice may resull in acceleration of the Sllms secured by this Mortgagc, fore(;losnre by judicial proceeding, and sale at the Property, The notice shall further inform Borrower 01 the ria:ht to t'tlinstate after accolQration and the rltht to a8"sert ill the .torcclosurQ proceeding-- the nonexistence ofa default or any other defense or Borrower to occelemtion and foreclosure.lttb.. btea"h is DOt cured on Or before the date specified in the notice, Lender, at Lender's option; may declare all of the sums secured by tbis Mortgage to be immediately due .nd payable witb,out further demand and may foreclose this Mortgage by judicia' proceeding. Lender .hall be entitled to collect in such proeeedinl1 all expenses of torcolosure, including, but not limite(1lo, reasonable attorneys' fees Md cosls of documentary evidence, abstracts and ti1lo reporls. 09-20-99 MTG PAOD12S4 FIle COPY iiiiiiilm,jjnillrmIIlilIJlIDIIDIiiIllJIWInJlii~ 60/l.0'd 17,!,G'[06<.S,e,6 01 86>::<' 9,9 0>::98HI::Jlr"l~3S II::J/ldJ-S=lH ~=l 80:17, '[0, 1>, ~tlW """''''lliJ~,"_',_- ,~-""<_." ,-. Jl;IL. .? ,. '.:.c.. ~:. .. ,!,' ~~~".~-'Irr~ ~--~ """"""',......lll""'! ~ ~ L '. '"" --.'MiMl.l~-\'lijjil!]0~jM'" .:;, .:1'" ," './'" . -5- iii. Borrow~,.'s Right to Reinstate. Not~'ilhs"'nding Lender'. acceleralion of the sums by ,his Mo(tgagc due to Borrowees breach, Borrower shall havc the right to have any proce>edings ~gun by Lender to enforce this MQrtgage oiscontinued at any tirtle prior to emry of a jU<:lgment enforcing this Mortgage if: (a) Borrower pays Lender all sums which would be then duc uoder this ~ortgag" and the Now had no aooelerlltion occurred; (0) Borrower ewes all breaches of any other COVenants or agreements of Borrower contained in this Mortgsge; (0) Borrow"," pays all reasonable expenses incurrw by ~nder in enforcing the COVCl1Mts snd agreements of Borrower contained in this Mortgage, and in enforcing Lender's remedies as provided in par.gr.ph 17 hereof, including, hut not ]im;tcd to, r=nable attorneys' f"",,; and (d) Borrower takes such action as Lender may reasonably requir~ \.0 assure that the lien of this Mortgage. Lender's ioterest in the Property :and Borrower's obligation to pay the SUms sccured bJ' this Mortgage shaH continue unimpaired. Upon such payment Md cure by Borrower, 1his Mortgage Md . tbe obligations secured hereby shall remain in f\lll force and effect a. if 1;10 acceleration had occuffed. J9~ A..ssi.gprncJ?,.t..qF, Re.nbj. Appo(otment of Receiver. As ~r.lditional SiXlurity herevnde.r, Borrower hereQY _.... ... ~ ~r- ...h......-........ _r ...t.;~.P~"""'~r r.~.t...... ..k..,.... Jll.........."'....."..... ,.."'....." .t'Io-t........ -... ...~_........... _..... t-......~J;'l-I ..... her'eof, in abandonment of the Property, havo' the right to coll""t lilld retain such rents as they becOme due and paYl'ble. . . . . '. ,. UpOn ac:eler.tion-ilflder paragrap,li '7 hereof or abandonment of the Property, Lender shall be entitled to have a receiver appointed by a CPUrl to enter. upon, take; possession of and m~nage the Property and to c()llect the rtnts of the Prop<<rty including those past due. All rents collected by the receiver sh.lI be applied fim to payment of the COSlS ot management of the Property and c~lItctiOn of rents, including, but not limited to, receiver's fees, premiums on receiver's bonds and re2S<lllable lIttorlieYs' fees, and then to the sums secured by this Mortgage. Tbe receiver shall be liable to account O1lly for t.~ose rents actually reeeived. 2{), Rele.se. Upon paymetJt of all sums secured by this Mortgage, Lender sh,1l Tel~ this Mortgage without charge to Borrower. Borrower shall pal all COSlS of recordation, if MJ" . 21. Waiver of Homestead. Borrower hereby waives all rigJit of homC5teac1 exemptioo in the Property under sr.au> or Federal].w. .:::;... ~-.:;.;,...;.:~;.~ ;';";':...0. ;;,,~:;.:... ...~~.:t!7H.f...;g,., ~w'~.J.w~l:ll" ag'J:G:t:S <r.nt:'J, mt;Circsr. rate p:a)'a-t~1e arwt 8 'Juagmenc IS entered Oll the Note or in an aCtion of mortgage foreclosure sh.1l be the rite stated in the Note. .' . . r-=~.A,~e Jr.fnATOH 'I ~1!ffNJ!j8~%'>-JQ~;jAH f IOOS .SQ JliiO... !E]j~);:r 1:9~) l'll "......,.....::..., -'1 ....:' ..:~."1a....~_.. ........ .l':',~......::.~ .. \0 /.. 1'c......~ ~ : ~.." -:0": ~ - ..~ ..... ; - .~ g. ". .... .:---..::: ;. -". -:.. .,.(.':..~ $ . '". . ..... ......v:..:....~\~ r....' ;0;:.. .-.......... ",-'",~ '..~,.,.. ....'7. 'V,":', ";\~."..' ...."...~.,\~I".'. -.-A~...".~-...'t ol,',J; .,.;.....1 ,,'.\1,,' V/{,I...r.;'''' ,1-"n'''i\ .", .':'" '.,....\it...'.... ........"":. ~~.. . ......... .', L.... ~t' ,",.I' f~ri';\,., ,'I' ,~_ \:.... ),1Q:;.) '1.0.. aG"Tr~ .....;.( l~:r!l:i:;::.,~,.;::-~ k,,)i"1t 09-20-99 MTG PA00126S Fll.,.e copy Ilwum WJlMlI~DIIIU II~nl~~llrnlm"III~"H"leIIIlllWlm 61<\/80' d \>/"C:,06/..S,c:ii; 01 aE.l2/.. 9,9 e~8Nl::ll(1~::iS ll::l/idJ-S;:IH ~;:I Be:\>, ,e. 1>', ~ljl. "ililI>lo,"""',. ..illff' I "-M~" l. , ,,~ ~~~ ~. '...~-.. ~ "'" " .~'lli~~--....J """~>"~'~'1'Jiii'",~ *>Y,.'60'38t1d ltl.LDl ** ~~-.""'" '''~ , ' ".' ~ ': .. . , " -6- It' REQUEST fOR NOTICE OF DEFAUL1' AND J;10RECLOSURE UNDER SUl'ER1oR MORTGAGES OR DEEDS OF TRUST Borrower and Lender request the holder of any mortgage, deed 01 trust or other encumbrance with a lien whkh has priority over this Ml)rt~.ge to give Notice f.O Lender. at Lender's address set lort~ On page One 01 this Mortgage, of any d.JlIo.ul't. ....nd... d-~ ~O... an4t,l1t'Y'lo br=n.a.... Q.n.d .oJ: Any _1... O~ o1:h.r ro.l'<>O]~"'u""" ~C>...., :. ,'.,. .. . . ~('~ RAY E MALSEEO, SR -Borro..., ~~<2r<o( FAY .L. MALSEEO. .... -Eo"...o, 'h~;y;t:t;;~( ::-;;m;fn ~h.,.'t .\Ih.... t'i.~'.1!',.."".,,,, 10.....,.1.....,..,... "'~ :-'". T ..,,,d,:<' I.,.t..~_,.....,.:..."" '..l/111~Fs:.lnl J1 CTMfJ..Mrr: .I. ........:r""'~.lol Ce1....'lJ1 .,[U>>.,I:. t:.he P1"&.::lse..:.Ldd1'~ 0.1 't.ne. .Lend~.(' (Mot"t~e) '1;l~11""'\J-')l...rIULl.I r' .l1'M.I~....L. 25G ATEWAY DRIVE, MECHANICSBURG, PA 17055 On behalf of the Lender. By: BERN1E H EFFElFING~Fl Title:8RANCH MANAGER COMMONWEALTH OF Pl;tNNS 'l:'L VANIA, CUM 8 ER LAlJD County ss: 1, ANN E A S T A f: FOR D . a Notary P~bllc in and for said co~nt;Y and state, do hereby certify that RAY E MAl SEED, SA & FAY L MAI~EEn personally known to me to be the same person(s) whose namc(s) are subscribed to .ho foregoing instrument. "ppe~red before me this day in person, and acknowledge tha\ _tbey~ signed and delivered the ~id instrtlffient as t h Po ; l' free voluntary act, for the uses and purpOses therein set forth, Given under my hand and offici.l "".1, 1his 17th day of November ,199~ ',' ~.:.#' ..:>-u""';&.W.....:o.t...u... ...At"'"...c.::o.. ...",.,....v I ~~ ~,~,.~,.~ '..s;... -. 'to" ..,,:,,>".1 ~.:J<r"...:~.~' ~~~\~J~,~.,.~ ~ Ji,~~~"f' .... \..... 'So ~, ii~... ': Q :; ~ ...\""J ~ 1".. ~ 5: :: ,~.. E;: ~i ~~ i.i'. j ~~~'A'V")~';';-'" / . ;q..6,-f'~'..,.~"I$ ,,~ ,~ l~'f' -. .-~ : I"i"..l.n:....~~.....~\...~. 1l0fAIll,U SEAL ANNE A. STAFFORD, IlOTAR'I PUIl1!S. ItAlIPoat, CUllBeRI.AHD COUHlY. <K IIY COMMISSION exPfREQ AI'Rll 20Itl JI~ hV --1:Iar...4w;/ ~ot~;y'~V-~- " , , (t\'l!l1':O.e) Ho.USEr.iOLD ANANCe 25 Gateway OriVlil, Suite.107 MecllMIc;sb~dd'o1,9~ ~;"'''''7I';O;'; .......Il'\.~ ~~ .......,.... .........,.=~=M ......... e-o:.o....;or=... wOo>. ':"'X><~""O).Lt Return To: Records Processiog SerVices 577 Lamont Road ' Elmhurst, lL 60126 D9-2D-S9 MTG PADOI1SS J:tL.E- COpy IIl1mlMIIIIII 1~llm Imllm I!~ I~~~n ~""~ D~~ 1~1I11~ IIIIW mlll~ In IW . , I 60/60'd p~G,06~S,c,5 Oi 86[~ 9,9 0[98NI~I~~3S II~/Id~-S~H ~~ 60:p, ,0, p, ~~"I ,-. .." ~ "', "~". . L "''''".~" -- 1 ~--~..""~"-:!!- ;il~W#iittil.~.'; . . March 22, 2001 .' Ray E. Malseed, Sr. 4 N. Enola Drive Enola, P A 17025 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortg:a!!:e on vour home is in default, and the lender intends to foreclose, Specific infonnation about the nature of the default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (REMAP) mav be able to help to save vour home. This Notice explains how the pro!!:ram works. To see ifHEMAP can help. you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE RECEIPT OF TIDS NOTICE. Take this Notice with you when you meet with the Counseling: Ag:encv. The name. address and phone number of Consumer Credit Counselin!!: Al?encies serving vour County are listed at the end of this Notice. If you have any questions. vou may call the Pennsvlvania Housm!!: Finance Ag:encv 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 attomey in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACIOEN ADJUNTO ES DE SUMA IMPORTANCIA, PUBS AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASE. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION IMMEDIAT AMENTE LLAMANDA EST A AGENCIA (PENNSYL VANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUBDE SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A,EDIMIR SU HIPOTECA. "B n HOMEOWNER'S NAME(S): Rav E, Malseed. Sr. df'F;.'fiV U I BIT PROPERTY ADDRESS: 4 N. Enolad Drive Enola. ~ ., LOAN ACCOUNT NUMBER: 713303-00-986111 ORlGINALLENDER: Household Finance Consumer Discount Company F/KJA Household Finance Corporation d,-~,' "",_~,,_""["~ ~ ~ -"'~'~-- ~~ .~-, . ,~ ~_ I" , ----~' ., ~ '. ^"'Jl,'ij:!" -,," .-, -";"6." ~- ~ -~~~~)J" CURRENT LENDER/SERVICER: Househ6idFinance Consumer Discount Companv FfK/A Household Eiilance'Corporation HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SA VB YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: - IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL , - IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND - IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE--Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the receipt ofthis Notice. During that time you must an'ange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE (30) DAYS OF RECEIPT OF THIS NOTICE. IF YOU DO NOT APPL YFOREMERGENCYMORTGAGEASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT." EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES--If you meet with one of the consumer credit counseling agencies listed at the end ofthis 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 countv in which the property is located are set forth at the end ofthis Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediatelv of your intentions. APPLICATION FOR MORTGAGE ASSIST ANCE-- 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 Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one ofthe designated consumer credit counseling agencies listed at the end ofthis Notice. Only consumer credit counseling agencies have the 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 poshnarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO ORIFYOUDO 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. 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 _~_, "'""c"_'~,~' '-~"",,,,,,,,~_.i''''''''''''_ ---. .~ ~',__c,___~ Jot ~~_ ~"n'~ b-Wi,1 - b.~,~"'._""~ jilMilal-' ,,,,,,,,>~:,~;"",,,,w.- 1M~~[(*tr".1~.i"'!! Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure p,roceed!ngs 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 IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed banlmlptcy you can still apply for Emergency MOligage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT--The MORTGAGE debt held by the above lender on your property located at 1 N. Enolad Drive Enola. P A 17025 IS SERIOUSLY IN DEFAULT because: YOUHA VE NOT MADE MONTHLY PAYMENTS for the following montlls and the following amounts are now past due: approximatelv $880.46 for the months of October 2000 through March 2001 Other charges: TOTAL AMOUNT PAST DUE: $5.282.76 HOW TO CURE THE DEFAULT -- You may cure this default within THIRTY (30) DAYS of the receipt of this Notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $5,282.76, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Pavments must be made either by cash, cashier's check. certified check or money order made payable and sent to: Angela Williams Household Finance Consumer Discount Company F/K/ A Household Finance Corporation P.O. Box 8604 Elmhurst, IL 60126 IF YOUDO NOT CURE THEDEFAULT--Ifyou do not cure the default within THIRTY (30) DAYS ofthereceipt ofthis Notice, the lender intends to exercise its rights to accelerate the morte:ae:e debt. 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. Iffull payment of the total amount past due is not made within THIRTY (30) DAYS OF RECEIPT OF THIS NOTICE, the lender also intends to instruct its attorneys to start legal action to foreclose upon your morte:aged property. IF THE MORTGAGE IS FORECLOSED UPON--The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. Ifthe 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 ifthey exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If YOU cure the default within THIRTY (30) DAYS OF RECEIPT OF THIS NOTICE. YOU will not be required to pay attorney's fees, ,",~',",:.$.,,,u,, ,_":"""",,,,,,,~_~,,",,,,,,,,,,- - 1i;:~Ilii.liJ!'.>l!~' ...~~~w_~ w.",-,. - ""....... I ,~" ~-~-- ~.~ ~, 1filI-"'"" ' I" - X;.'~ - ~ ~ ;~~~!lIigm'>tt!,,'>t-i\:~ml~*,di,;- , OTHER LENDER REMEDIES-- The lender may also sue you personally for the unpaid principal balance and all Qtliei SUlJ)S due under the mortgage. RI.GHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE--Ifyou have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, vou still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paying the total amount then past due. plus any late or other charges then due. reasonable attomey's fees and costs connected with the foreclosure sale and anvother costs connected with the Sheriffs Sale as specified in writing by the lender and by performing: anv other requirements tmder the mort1!age. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE--It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately five months from the date of this Notice. A notice of the actual date ofthe Sheriffs 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 LENDER: Name of Lender: Household Finance Consumer Discount Company F/KJ A Household Finance COJ::poration Address: P.O. Box 8604. Elmhurst. IL 60126 Phone Number: 1-800-333-5848. Ext. 7695 Fax Number: 1-800-617-7744 Contact Person: Angela Williams EFFECT OF SHERIFF'S SALE-- Y ou should realize that a Sheriffs Sale will end your ownership ofthe mortgaged property and your right to occupy it. If you continue to live in the propeliy after the Sheriffs Sale, a lawsuit to remove you and your fumishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE--You mayor X may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attomey's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: - TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. - TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. - TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEF AUL T MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) - TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. _ TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. _ TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. """",,,;~,,,",,~,,,,__'-1;-= ="',.......... - ,- ~~ . , .< ~ - _.""..",.."""......1 ~~""'"--~"Ml""'"""-""""-" I,~. '~"""'I''--"' --""- - "'. "'-"'-"---"f'~~" L'i~'i~-']f~~,j:,_! FOR CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY, PLEASE SEE . . THE ATTACHED LIST. " NOTE: Unless you uotify this office within thirty (30) days after receiving this notice, that you dispute the validity of this debt or any portion thereof, this office will assume that the debt is valid. If you notify this office in writing within thirty (30) days from receiving this notice, this office will: obtain verification ofthe debt or obtain a copy of judgment and mail you a copy of such judgment or verification. You are 'also advised that any information which you supply to this office may be used by us in the collection of the debt. If you request this office in writing within thirty (30) days after receiving this, this office will provide you with the name and address of the original creditor. Although we have requested that you make payment or provide a valid reason for nonpayment, you stilI have the right to make a written request, within thirty days of your receipt of this notice, for more information about the debt. Your rights are described further, hereinafter. THE PURPOSE OF THIS COMMUNICATION IS TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THIS PURPOSE. SENT VIA REGULAR MAIL AND CERTIFIED MAIL NUMBER 70001670000238912662 RETURN RECEIPT REQUESTED Enclosure: Validation of Debt Notice b~-""""~,,,~,,,,,,,""",",, ~ ~,-, "_~'"m' ~ ~ ~ . .~ -,~.l" ~ ~, j;=,.._,~,..:. ~ ",,~'~_":"~oJ....J.illllilliIIIII-' ~ " , j,~-".~;;....;>"~~;, Validation of Debt Notice Pursuant to the Fair Debt Collection Practice Act (FDCPA) (15 USC 1692), a consumer debtor is required to be sent the following notice: (1) unless the consumer, within thirty (30) days after receipt of this notice, disputes the validity of the debt or any portion thereof, the debt will be assumed to be valid by the debt collector, (2) if the consumer notifies the debt collector in writing within the thirty day period that the debt or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a Judgment against the consumer and copy of such verification or Judgment will be mailed to the consumer by the debt. collector, and (3) upon the consumer's written request within the thirty (30) day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Our demand for immediate payment does not eliminate your right to dispute this debt within thirty days of receipt of this notice. If you choose to do so, we are required by lawto cease our collection efforts until we have mailed that information to you. Although we have requested that you make payment or provide a valid reason for nonpayment, you still have the right to make a written request, within thirty days of your receipt of this notice, for more information about the debt. Your rights are described further, hereinafter. The law office of McCABE, WEISBERG AND CONWAY, P.C. is acting as a debt collector, pursuant to the FDCPA. THIS NOTICE AND LETTER ARE AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. The Federal Trade Conunission has ruled that The FDCPA does not preclude the institution of legal action prior to the expiration of the thirty day period. Acceptance of funds and reinstatement of the mortgage. are both subject to verification by my client. Please note that I may be instructed to proceed with foreclosure and fees, costs and/or advances by the mortgagee may be due in addition to the sum quoted above. Please further note that any funds tendered will be subject to verification and correctness before the matter is concluded. please feel free to contact this office upon receipt of this notice should you have any questions or concerns. Date: March 22, 2001 ~~. rJ /1c.t;k. TerrenceJ./McCabe, Esquire McCabe, Weisberg, & Conway, P.C. First Union Building 123 South Broad Street Suite 2080 Philadelphia, PA 19109 -~."""~,.,,,", ~- '~~~~', ,l '"'" ,- ^ -- -~ - '",~,,~, ~'ii?t.. ~~Ji: -" PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES CUMBERLAND COUNTY Consumer Credit Counseling Service of Western Pennsylvania, Inc_ 2000 Linglestown Road Harrisburg, Pa 17102 (717) 541-1757 Financial Services unlimited 117 West 3rd street Waynesboro, Pa 17268 (717) 762-3285 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, Pa 17101 (717) 234-5925 FAX # (717) 232-4985 YWCA of Carlisle 301 G street Carlisle, Pa 17013 (717) 243-3818 FAX # (717) 243-3948 '.'"'="",""",;,%.0.>_ " - ~"~, ~ . ... ~ t J =- ,", - , ','. ~i March 22,2001 . , " Fay L. Malseed 4 N. Enola Drive Enola, P A 17025 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default. and the lender intends to foreclose. Specific information about the nature ofthe default is provided in the attached pal?:es. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save vour home. This Notice explains how the program works. To see ifHEMAP can help. you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE RECEIPT OF THIS NOTICE. Take this Notice with vou when YOU meet with the Counseling Agency. The name. address and phone number of Consumer Credit Counseling Agencies serving: vour County are listed at the end ofthis Notice. If YOU have any Questions. you may call the Pennsylvania 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, representatiyes 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 you find a lawyer. LA NOTIFICACIO EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASE. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICAcrON OBTENGA UNA TRADUCCION IMMEDIATAMENTE LLAMANDA ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SAL V AR su CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): PROPERTY ADDRESS: LOAN ACCOUNT NUMBER: ORlGINALLENDER: Finance Corporation Ray E. Malseed. Sr. & Fay L. Malseed 4 N. Enolad Drive Enola. P A 17025 713303-00-986111 Household Finance Consumer Discount CompanY F/KJA Household '."iID""-';:"'"",~~"1lrl'f -. "'<"" -"~~.'~""",,"''''-~"~~~ ~ -~ ~"= ~~- ",...L :..iW "'" "....~lii~~l:.,. - 1iiilIli. J, -~-=, ~,~j;>; CURRENT LENDERlSER VICER: Household Finance Consumer Discount Companv FfKJ A Household ~inaD.c(7 .Corporati on HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS. IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: - IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL , - IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND - IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYL VANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE--Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days fi'om the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end ofthis Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS OF RECEIPT OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT." EXPLAlNS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES--If you meet with one of the consumer credit counseling agencies listed at the end ofthis notice, the lender may NOT take action against you for thirty (3 0) days after the date of this meeting. The names. addresses and teleohone numbers of designated consumer credit counseling agencies for the county in which the oropertv 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. APPLICATION 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 !lied and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's 'Emergency Assistance Program Application with one ofthe designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have the 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 PROMPTL Y. IF YOUF AIL TO DO SO OR IF YOUDO 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. 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 _L"' ._,'~__""'~,, ,J"~"~=-,...l"'"'''''''',,"",,J,.,~r - ~ ~ '""",_>M' "-"'-"-"'\l!.~..1~""",-","""'''"or_~_"".~~-'' JiI"'"'""-;;""'~'il!.:i!._I~lfiW$~~;;"~t^ , Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure p'roceedjl1gs 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 IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. Of you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT--The MORTGAGE debt held by the above lender on your property located at.1 N. Enolad Drive Enola. PA 17025 IS SERlOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY PAYMENTS for the following months and the following amounts are now past due: aptJroximately $880.46 for the months of October 2000 through March 2001 Other charges: TOTAL AMOUNT PAST DUE: $5.282.76 HOW TO CURE THE DEFAULT--You may cure this default within THIRTY (30) DAYS of the receipt ofthis Notice BY PAYING THE TOTALAMOUNTPA~TDUE TO THE LENDER, WHICH IS $5.282.76. PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERlOD. Payments must be made either by cash. cashier's check. certified check or money order made payable and sent to: Angela Williams Household Finance Consumer Discount Company FlKJ A Household Finance Corporation P.O. Box 8604 Elmhurst, IL 60126 IF YOU DQ NOT CURE THE DEFAULT --If you do not cure the default within THIRTY (30) DAYS ofthereceipt ofthis Notice, the lender intends to exercise its rights to accelerate the morteage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the n:iortgage in monthly installments. If full payment ofthe 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 mortg-aged prollertv. IF THE MORTGAGE IS FORECLOSED UPON-- The mortgaged property will be sold by the Sheriffto payoff the mortgage debt. Ifthe 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, YOLl 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 (30) DAY OF RECEIPT OF THIS NOTICE, you will not be required to pay attornev's fees. "b"""-.~,"',_""",""",~d,,,,",__~"""'''''''''''=''''~' ~ . - -~ ~ "]1" I~",,~_~..- ~.=~~~~c_ ~ '~"llllim...jllM,'.J~"'--kJ;..i~ ..J~-'~~~J@\~~:P_ , O!f!'ER LENDER REMEDIES-- The lender may also sue you personally for the unpaid plincipal balance and all ~ther SU1llS due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE--Ifyou have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, vou still have the right to cure the default and prevent the sale at anv time up to one hour before the Sheriff's Sale, You may do so bv 1;Javing the total amount then past due. plus anv late or other charges then due. reasonable attorney's fees and costs connected with the foreclosure sale and anv other costs connected with the Sheriff's Sale as specified in writing bv the lender and by performing' any other requirements under the mortgage, Curing your default in the manner set forth in this notice wiII restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE--It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately five 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 LENDER: Name of Lender: Household Finance Consumer Discount Companv F/K/ A Household Finance Corn oration Address: P.O. Box 8604. Elmhurst. IL 60126 Phone Number: 1-800-333-5848. Ex!. 7695 Fax Number: 1-800-617-7744 Contact Person: Angela Williams EFFECT OF SHERIFF'S SALE-- Y ou should realize that a Sheriff's Sale will end your ownership ofthe mortgaged property and your right to occupy it, If you continue to live in the propeliy 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 mayor X may not 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 ofthe mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: - TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. - TORA VE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. - TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) - TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LA WSillr INSTITUTED UNDER THE MORTGAGE DOCUMENTS. - TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. - TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. <d"~,..""''''k"""",~',I,~"' 'mli;llli:~""",- - - '""=- ""'......-~..~ - -""~ 1i"~~~.~_,1 ~~ "'.....~.,'-"""""-IiWW """" ."',....,.,.....-<-..~... '~lllll" , ~ "" - ,,-,-, ril1ir~' ~ ) 1~~.:i:'I/>,-iJ6lt~ FOR CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY, PLEASE SEE . . ., THE ATTACHED LIST. NOTE: Unless you notify this office within thirty (30) days after receiving this notice, that you dispute the validity ofthis debt or any portion thereof, this office will assume that the debt is valid. If you notify this office in writing within thirty (30) days from receiving this notice, this office will: obtain verification of the debt or obtain a copy of judgment and mail you a copy of such judgment or verification. You are also advised that any information which you supply to this office may be used by us in the collection of the debt. If you request this office in writing within thirty (30) days after receiving this, this office will provide you with the name and address of the original creditor. Although we have requested that you make payment or provide a valid reason for nonpayment, you still have the right to make a written request, within thirty days of your receipt of this notice, for more information about the debt. Your rights are described further, hereinafter. THE PURPOSE OF THIS COMMUNICATION IS TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL :BE USED FOR THIS PURPOSE. SENT VIA REGULAR MAIL AND CERTIFIED MAIL NUMBER 7000 167000023891 2655 RETURN RECEIPT :REQUESTED Enclosure: Validation of Debt Notice ':r~"""'$V'<~h"~~"" ~~--'" """ -, -~ , - - .~" hdl',,-,,__~, - ~';".i!Iit.~\l'~:~- " Validation of Debt Notice Pursuant to the Fair Debt Collection Practice Act (FDCPA) (15 USC 1692), a consumer debtor is required to be sent the following notice: (1) unless the consumer, within thirty (30) days after receipt of this notice, disputes the validity of the debt or any portion thereof, the debt will be assumed to be valid by the debt collec tor, (2) if the consumer notifies the debt collector in writing wi thin the thirty day period that the debt or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a Judgment against the consumer and copy of such verification or Judgment will be mailed to the consumer by the debt collector, and (3) upon the consumer's written request within the thirty (30) day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Our demand for immediate payment does not eliminate your right to dispute this debt within thirty days of receipt ofthis notice. If you choose to do so, we are required by law to cease our collection efforts until we have mailed that information to you, Although we have requested that you make payment or provide a valid reason for nonpayment, you still have the right to make a written request, within thirty days of your receipt of this notice, for more information about the debt. Your rights are described further, hereinafter. The law office of McCABE, WEISBERG AND CONWAY, P.C. is acting as a debt collector, pursuant to the FDCPA. THIS NOTICE AND LETTER ARE AN ATTEMPT TO COLLECT A DEBT AND ANY. INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. The Federal Trade COI!UUission has ruled that The FDCPA does not preclude the institution of legal action prior to the expiration of the thirty day period. . Acceptance of funds and reinstatement of the mortgage are both subj ect to verification by my client. please note that I may be instructed to proceed with foreclosure and fees, costs and/or advances by the mortgagee may be due in addition to the sum quoted above. please further note that any funds tendered will be subject to verification and correctness before the matter is concluded. Please feel free to contact this office upon receipt of this notice should you have any questions or concerns. Date: March 22, 2001 Esquire McCabe, Weisberg, & Conway, P.C. First Union Building 123 South Broad Street Suite 2080 philadelphia, 'PA 19109 o-&-~~,,",<. 1.. ~ ~ '~ '"~- '" -..> ~ '~ -_.'~-"'UjJ . . ~ 'I J PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES CUMBERLAND COUNTY Consumer Credit Counseling Service of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, Pa 17102 (717) 541-1757 Financial Services Unlimited 117 West 3rd Street Waynesboro, Pa 17268 (717) 762-3285 Urban League of Metropolitan Harrisburg 25 N. Front Street Harrisburg, Pa 17101 (717) 234-5925 FAX # (717) 232-4985 YWCA of Carlisle 301 G Street Carlisle, Fa 17013 (717) 243-3818 FAX # (717) 243-3948 , ""no; """'" :'l " - -..:-~'~. '~ -.-~' ~~":lIl - < '". :_' ,:\ii' "r . >~, .Il. ."' __ ._..L .___ ,.....~ ""~ """'"'".LMi::-, ,,!.c.c ",. "-1lliF.:~< .. ,. . VERIFICATION The undersigned, Renee Turner, hereby certifies that she is the Foreclosure Specialist of the Plaintiff in the within action, \-\r" l",E'.Hr-<.l'> 1-'\ IJI\tV.:X' t i'lN.<;UIT\8C \'1\<!,C()l)NI' tnrt)Pf\N'I , and that she is authorized to make this verification and that the foregoing facts are true and correct to the best of her knowledge, information and belief and further states that false statements herein are made subj ect to the penalties of 18 PA. C. S. !i4904 relating to unsworn falsification to authorities. .~diJuWL ......-...-.-................. .... .. .......... ~.... -.....-.... ......-.-.....-....-..... RENE TURNER .~!i:;!;;W.'li&~2'\:ii"""';;;~R-ii'i0j1,"'~Q,Mii:0:H,-',R;;6;fW~.:::'~U'i,..'!ii:\iJjI;:il.C4lt~~-~f;jio";iil-'--,'iWi3F-;iiti;~~~&1.0' ~ W! ~, fOE Ib!!li @V2) <~ . ~. "",.".., ~ ~.. 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