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Home My WebLink About01-03500 SHERIFF'S RETURN - NOT FOUND CASE NO: 2001-03500 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND U S BANK NATIONAL VS GRAY MICHAEL L 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 GRAY MICHAEL L but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE , NOT FOUND , as to the within named DEFENDANT , GRAY MICHAEL L FORWARDING ADDRESS: 124 PARK DR MIDDLETOWN Sheriff's Costs: Docketing Service Not Found Surcharge 18.00 9.75 5.00 10.00 .00 42.75 so~~ R. Thomas Kline Sheriff of Cumberland County MARK UDREN 07/09/2001 Sworn and subscribed to before me this 1l('J-e. Dul - day of ,-) r.tll{ ~. 1',> H. ~~_" ~~~ ,~ I ,~' . SHERIFF'S RETURN - OUT OF COUNTY CASE NO: 2001-03500 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND U S BANK NATIONAL VS GRAY MICHAEL L 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: GRAY MICHAEL L 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 July 9th , 2001 , this office was in receipt of the attached return from DAUPHIN Sheriff's Costs: Docketing Out of County Surcharge Dep Dauphin Co pd by Mark Udren 6.00 9.00 10.00 .00 34.25 59.25 07/09/2001 MARK UDREN S~~___ R. Thomas Kline . Sheriff of Cumberland County Sworn and subscribed to before ~ this Ir~ day of l ) U(<-I - , rAO{)( . . '~ -. me _'l~ .-" -,- ,. .~ "~ ,. ~'I"l"'l~" SHERIFF'S RETURN - NOT FOUND CASE NO: 2001-03500 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND U S BANK NATIONAL VS GRAY MICHAEL.L 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 GRAY NANCY L but was unable to locate Her in his bailiwick. He therefore returns the COMPLAINT - MORT FORE , NOT FOUND , as to the within named DEFENDANT , GRAY NANCY L FORWARDING ADDRESS 124 PARK DR MIDDLETOWN Sheriff's Costs: Docketing Not Found Affidavit Surcharge 6.00 5.00 .00 10.00 .00 21.00 S~ R. Thomas Kline Sheriff of Cumberland County MARK UDREN 07/09/2001 Sworn and subscribed to before me this day of (1I~ ''''''''''''''''"''''''''. " "~ r r'" -~ " -, - "--~ , ~'; SHERIFF'S RETURN - OUT OF COUNTY CASE NO: 2001-03500 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND U S BANK NATIONAL VS GRAY MICHAEL L 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: GRAY NANCY 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 July 9th , 2001 , this office was in receipt of the attached return from DAUPHIN Sheriff's Costs: Docketing Out of County Surcharge 6.00 .00 10.00 .00 .00 16.00 07/09/2001 MARK UDREN S~~ ~~ R. Thomas Kline Sheriff of Cumberland County Sworn and subscribed to before ---- this I ~ ~ day of J ~ ~~~/JD/ ; d~?o~ me -"'"-11'1I_ ,1-- ,.,-, . ~ ~ - . - '-- ~ ~~ '" , ~ ^ ,- -->~.' ,~,~- _"~""'~OJ,~' -.'" ~ ^ "'. ^"-~.r' - W," ,-,- -,~-," . ,- ~,," -<>'^~ ,.,~- ""= -._'C,. """r" .< ~",..",.~__, '~'_ .,.., ~,~~~ : !i&1!j;~J:r;"",~~_'~~__M~,~>.W~'J!O'("!'1""'i~-WF~>l'~'{'iIi;~...;Jjlii:4~*"1!!(~~\ffli~?I~~'f~: @ffice of tlre ~4eriff William T. Tully Solicitor 1. Daniel Basile Chief Deputy Mary Jane Snyder Real Estate Deputy Michael W_ Rinehart Assistant Chief Deputy Dauphin County Harrisburg, Peunsylvania 17101 ph: (717) 255-2660 fax: (717) 255-2889 Jack Lotwick Sheriff Commonwealth of Pennsylvania U S BANK NATIONAL vs County of Dauphin GRAY MICHAEL L Sheriff's Return No. 1587-T - -2001 OTHER COUNTY NO. 01-3500 AND NOW: June 18, 2001 at 6:20PM served the within COMPLAINT IN MORTGAGE FORECLOSURE upon GRAY MICHAEL L by personally handing to KESCHIEG RUPP, PERSON IN CHARGE AT RESID 1 true attested copy (ies) of the original COMPLAINT IN MORTGAGE FORECLOSURE and making known to him/her the contents thereof at 124 PARK DRIVE MIDDLETOWN, PA 17057-0000 Sworn and subscribed to So Answers, JI!~ before me this 22ND day of JUNE, 2001 " r ~ I+J^,'__""\ c-. l WWfI.Q..l ~ I Sher' Dep eriff PROTHONOTARY By Sheriff's Costs: $34.25 PD 06/12/2001 RCPT NO 150902 CANTREL ,-'lie .. . . I" 1" ~~. @ffite of tlyr ~4r: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 0 1 ph: (717) 255-2660 fax: (717) 255-2889 Jack Lotwick Sheriff Commonwealth of Pennsylvania U S BANK NATIONAL vs County of Dauphin GRAY MICHAEL L Sheriff's Return No. 1587 -T - -2001 OTHER COUNTY NO. 01-3500 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 GRAY NANCY L the DEFENDANT named in the within COMPLAINT IN MORTGAGE FORECLOSURE and that I am unable to find him/her in the County of Dauphin, and therefore return same NOT FOUND, June 22, 2001 NEED A BETTER ADDRESS, DEFENDANT DOES NOT LIVE AT 124 PARK DR., MIDDLETOWN, PA 17057 ilib "~.,~::; So Answers, JK~ Sworn and subscribed to before me Sheriff of Dauphin County, Pa. PROTHONOTARY By Deputy Sheriff Sheriff's Costs: $34.25 PD 06/12/2001 RCPT NO 150902 I ,r ,~. "., ~-, ,.' f"",''1_- ,. , ,,_~.r In The Court of Common Pleas of Cumberland County, Pennsylvania U. S. Bank National VS. Michael L. Gray etal serve Michael L. Gray No. 01 3500 civil Now, 6/7 /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 ofthe Plaintiff. .~~~~ J 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 $ $ ;:-. ,," ,~- , .,- -',P,", cr.'-, , , ,~ In The Court of Common Pleas of Cumberland County, Pennsylvania u.s. Bank National VS. Michael L. Gray etal Serve Nancy L. Gray No. 01 3500 civil Now, 6/7 /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. ~,,/ //P." '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 methis_dayof ,20_ COSTS SERVICE MILEAGE AFFIDAVIT $ $ "'" '1 I !~ :- - ,. MARK J. unREN << ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856~482-6900 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff v. Michael L. Gray Nancy L. Gray 124 Park Drive Middletown, PA 17057 Defendant(s) "WE I-lIEt'JEeV CiER'\'iN '!'l-!!!l WITil'I!N to liE !!!ill.!il MiD " I A CORRECT copy Of il'H~ !01~iQINAI. r " ATTORNEY FOR PLAINTIFF . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County . ~ TRUE COpy FROM RECORD IQ TNtlmony_l\Illt, I iIoifl! !.mlll Sit my hand .. iIIe _otsaid ~ at Carf~. Pa. T~~~ of .~.. ~T~ ~9. .=r ~ Ctu~( ~02-nL . : NO. 6[- ..]~OO . COMPLAINT IN MORTGAGE FORECLOSURE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYERS REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 ,r0y.~_" ,_" ~ _ _ _ I"iI'JIi!f - r- I""~~ ~ " ~~ ~ .. AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta ascentar una comparencia escrita 0 en persona 0 con un abogado y entregar a la corte en forma escrita sus defensas 0 sus objeciones alas demandas en contra de su persona. Sea avisado que si usted no se dafiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso 0 notificacion. Ademas, la corte puede decidir a favor del deroandante 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. LLSVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO o SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR AS~STENCIA LEGAL. . Cumberland County Bar Association 2 Liberty Avenue Carlisle, P A 17013-3387 717-249-3466 or 800-990-9108 ,A\j~'1rl" _~~ ..111,.~_~_~ '. ." NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notity us in writing within the 30 day period as ftated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is required and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt, and any information obtained will be used for that purpose. LAW OFFICES OF MARK J. UDREN /s/ Mark J. Udren, Esquire 1040 N. Kings Highway, Suite 500 Cherry Hill, NJ 08034 (856) 482-6900 ;~.,~ -r ,_ TT"I ,.,' "~ ~". ~__lI"lJ!>. - 1. Plaintiff is the Corporation designated as such in the caption on a preceding page. If Plaintiff is an assignee then it is such by virtue of the following recorded assignments: Assignor: EquiCredit Corporation of PA Assignee: u.s. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) Recording Date: LODGED FOR RECORDING Book: Page: 2. Defendant(s) is the individual designated as such on the caption on a preceding page, whose last known address is as set forth in the caption, and unless designated otherwise, is the real owner (s) and mortgagor (s) .of the premises being foreclosed. 3. On or about the date appearing on the Mortgage hereinafter described, at the instance and request of Defendant(s), Plaintiff (or its predecessor, hereinafter called Plaintiff) loaned to the Defendant (s) the sum appearing on said Mortgage, which . Mortgage was executed and delivered to Plaintiff as security for the indebtedness. said Mortgage is incorporated herein by reference in accordance with PA.R.C.P. 1019 (g). The information regarding the Mortgage being foreclosed is as follows: MORTGAGED PREMISE:S: 431 N. 2nd Street MUNICIPALITY/TOWNSHIP/BOROUGH: Borough of Wormleysburg COUNTY: Cumberland DATE EXECUTED: 12/29/97 DATE RECORDED: 1/02/98 BOOK: 1424 PAGE: 1007 The legal description of the mortgaged premises is attached hereto and made part hereof. 4. Said Mortgage is in default because the required payments have not been made as set forth below, and by its terms, upon breach and failure to cure said breach after notice, all sums -~-,~f'"I1"~, ~ , ~. 1'1 ._~ .- ".'''''~~. H'~' - ~,...........,"'" secured by said Mortgage, together with other charges authorized by said Mortgage itemized below, shall be immediately due. 5. After demand, the Defendant (s) continues to fail or refuses to comply with the terms of the Note as follows: (a) by failing or refusing to pay the installments of principal and interest when due in the amounts indicated below; (b) by failing or refusing to pay other charges, if any, indicated below. 6. The following amounts are due on the said Mortgage as of 6/1/01: Principal of debt due and unpaid Interest at 10.05% from 8/5/00 to 6/1/01 (the per diem interest accruing on this debt is $18.28 and that sum should be added each day after 6/1/01) $65,490.48 5,448.24 Title Report 250.00 Court Costs (anticipated, excluding Sheriff's Sale costs) Escrow Overdraft/(Balance) (The monthly escrow on this account is $0.00 and that sum should be added on the first of each month after 6/1/01) 280.00 0.00 . Late Charges (monthly late charge of $33.26 should be added on the fifteenth of each month after 6/1/01) 297.85 Attorneys Fees (anticipated and actual to 5% of principal) TOTAL 3.274 52 $75,041. 09 7. The attorney's fee set forth above are in conformity with the mortgage documents and Pennsylvania law, and will be collected 'i!''j.:r~_Vlrn ,~ ~ , .. """"'~-_ _, _....=f=~"~~!iJ!;.~ in the event of a third party purchaser at Sheriff's Sale. If the mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged in accordance with the reduction provisions of Act 6, if applicable. 8. The combined noti~e specified by the Pennsylvania Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983 and Notice of Intention to Foreclose under Act 6 of 1974 has been sent to each defendant, via certified and regular mail, in accordance with the requirements of those acts, on the date appearing on the copy attached hereto as Exhibit "A", and made part hereof, and defendant(s) have failed to proceed within the time limits, or have been determined ineligible, or Plaintiff has not been notified in a timely manner of Defendant(s) eligibility. WHEREFORE, the Plaintiff demands judgment, in rem, against the Defendant (s) herein in the sum of _$75,041. 09 plus interest, costs and attorneys fees as more fully set forth in the Complaint, and for foreclosure and sale of the Mortgaged premises. I Mark J. dren, ESQUIRE MARK J. UDREN & ASSOCIATES Attorney for Plaintiff Attorney I.D. No. 04302 f{~;';!il!I;;.4",J;:'WllJ;~U$."._ " " - " ~ "~ -, ALL THAT CERTAIN LOT OF LAND FORMERLY SITUATE IN EAST PENNSBORO TOWNSHIP~ BUT NOW IN 'rilE BOROUGH OF WORMLEYSBURG, CllMBERLAND COUNTY, PENNSYLVANIA, KNOWN AND DESCRIBED AS LOT NO. 94 ON PLAN NO. 3 OF EDGEWATER. SAID PLAN BEING RECORDED IN CUMBERLAND COUNTY RECORDER'S OFFICE IN PLAN BOOK 1, PAGE 71. SAID LOT IS MORE PARTICULARLY BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT: BEGIllNING AT A POINT ON THE EASTERN LINE OF SECOND STREET AT THE DIVIDING LINE BETWtEN LOTS NOS. 94 AND 9S ON SAID PLAN, SAID POINT BEING 400 FEET MEASURED NORTHwARDLY ALONG SECOND STREET FROM THE NORTHEAST CORNER OF SECOND AND ELM STREETS; THENCE IN A SOll'l'HERLY DIRECTION ALONG THE EASTERN LINE OF SECOND STREET 2S FEET TO A POINT ON THE DIVIDING LINE BETWEEN LOTS NOS. 93 AND 94, SAID DIVIDING LINE PASSING THROUGH THE CENTER OF THE PARTITION WALL OF THE DOUBLE TWO STORY BRICK AND Il'RAME DWELLING ERECTED IN PART UPON THE LOT HEREIN DESCRIBED; THENCE IN AN EASTll:RLY DIRECTION ALONG SAID LAST MENTIONED LINE lS0 FEET TO RIVER ALLEY; THENCE IN A NORTHERLY DIRECTION ALONG THE WESTERN LINE OF RIVER ALLEY 25 FEET TO THE DIVIDING LINE BETWEEN LOTS NOS. 94 << 9S ON SAID PLAN; THENCE IN A-WESTERLY DIRECTION ALONG SAID LAST MENTIONED LINE lS0 FEET TO THE POINT OR PLACE OF BEGIllNING. AND THEREON ERECTED THE NORTHERN HALF OF SAID TWO STORY BRICK AND FRAME DWELLING HOUSE KNOWN AS 431 N. SECOND STREET. UNDER AND SUBJECT, NEVERTHELESS, TO RESTRICTIONS, CONDITIONS AND EASEMENTS OF PRIOR RECOkD PERTAINING TO SAID PREMISES. . "'{~';'~~~ f~~' ,~ B'':"'P' . " March 26, 2001 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME. FROM FORECLOSURE This is an official notice that the mortl!;al!;e on your home is in default, and the lender . intends to foreclose. Specific information about the nature of tlile default is provided in the attached pal!;es. ' The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (REMAP) may be able to help to save your home. This Notice explains how the prol!;ram works. To see ifHEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF Tms NOTICE. Take this Notice with you .when you meet with llie Counselinl!; Al!;ency. The name, address and phone number of Consumer Credit Counselinl!; Al!;encies servinl!; your County are listed at the end of this Notice. H you have any questions, you may call the Pennsylvania HoiIsinl!; Finance Al!;ency toll free at 1-800-342-2397. (Persons with impaired hearinl!; can call (717) 780-1869). This Notice contains important legal information. H you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help eXplain it You may also. wlUifto contact an attorney in your area. The local bar association may be able to help you .find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENDO DE ESTAl'iOTIFICACION OBTENGA. UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (pENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SERELEGmLEPARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU . HlPOTECA. i"" Page lor 6 EXHIBIT A ,6"'~~j-WfMf..,.. ~ " ." 1 I ~"",<=, ~" ""~" ,.' HOMEOWNER'S NAME(S): PROPERTY ADDRESS: LOAN ACCT. NO.: ORIGINAL LENDER: CURRENT LENDER: Michael L. Gray Nancy L. Gray 431 N. 2nd Street Wormleysburg,PA 17043 8537001797 EquiCredit Corporation lifPennsylvania U.S. Bank NationaI Association, FfKJA First Bank NationaIAssociation, TR UIA DTD 5/1198 (EQCC Home Equity Loan Trust 1998-1) HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELlGmLE 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 (fBE "ACT"), YOU MAY BE ELIGmLE FOR EMERGENCY MORTGAGE ASSISTANCE: . IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONrtWL, IF YOU' HAVE A REAsONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELlGmn..ITY REQUIREMENTS ESTABLISHED BY THE PENNSYLV ANIAHOUSING FINANCE AGENCY. . . TEMPORARY STAY OF FORECLOSURE - Under tlte Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. Duringthat time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. TmS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRlNG 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 of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counselinll; all;encies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to- face meeting. Advise your lender immediately of your intentions. 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 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 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. - "~""'_, !!!ll'l'fmlU,. ,".. -~C~''''_~r' ~~ Page2of6 . . -~, - . YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notifjed 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 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 (Brin2 it up to date). NATURE OF THE DEFAULT ~ The MORTGAGE debt held by the above lender on yoUr property loqated at: 431 N. 2nd Street WormleysbUrg,PA 17043 . . IS SERIOUSLY IN DEFAULT because: A YOU HA VB NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: . . Monthly Payments of $665.25 for September 2000 through March 2001 = $4,656.75 Monthly Late Charges of $33.26 for = $231.33 Other charges (eXplain/itemize): $0.00 TOTAL AMOUNT PAST DUE: $4.888.08 . . B. YOU HA VB FAILED TO T!J<E 1HE FOLLOwING ACTION (Do notuseifnot aPPlicable): N/A . HOW TO CURE THE DEFAULT - You may cure the default within TInRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, winCH IS $4.888.08. PLUS ANY MORTGAGE PAYMENTS AND LATE ClIARGES WIllCH BECOME DUE DURING TIlE THIRTY (30) DAY PERIOD. Payments must be made either by cash. cashier's check. certified check or money order made payable and sent to: Mark J. Udren & Associates 1040 N. Kines ffiehway. Suite 500 Cherry Hill. NJ 08034 You can cure any other default by taking the following action within TInRTY (30) DAYS of the date of this letter: (Do not use ifnot applicable.): N/A Page 3 of6 ..,~~'il:,~"~,..",... ~"""',~ ".~ ,~,_,,,. "~Ol , I - ,- Li IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within TIITR1Y (30) DAYS of the date of this Notice, the lender intends to exercise its ri2hts to accelerate the mort2a2e 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 TIITR1Y (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mort2a2ed 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 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 ~ 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 period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balan~ and all other sums due under the mortgage. If your debt has been discharged in bankruptcy without your having reaffirmed it, then lender cannotpursue this remedy. RIGHT TO CURE THE DEFAULT PRIOR TO SHERlFFDS SALE - If you have not cured the default within the TIITR1Y (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 Sheriffs Sale. You may do so by pavin2 the total amount. then past due. plus any late or other charl!:es 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 writinl!: by the lender and by performinl!: any other reQuirements under the mortl!:al!:e. Curing your default in the manner set forth in this notice will restore your m9rtgage to the same position as if you had never defaulted. . EARLIEST POSSmLE 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 6 months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name ofLender/Servicer: Address: Phone Number: Fax Number: Contact Person: EquiCredit Corporation of America. 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 800/759-6380 904/457-4081 Linda Caldwell, ext. 74060 EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff s Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may not transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. Page 4 of6 ~'" ~.~~ - " -~r''',~. ~ ,,~ ~ " .. -,"', NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. IT you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is reqUired and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is . an attempt to collect a debt, and any information obtained ,will be used for that purpose. . LAW OFFICES OF MARKJ. UDREN Is! Mark J. Udren, Esquire 1040 N. Kings Highway, Suite 500 Cherry Hill, NJ 08034 (856) 482-6900 Page 5 oU }Pr#ll~\?_,_,~ . ,~~ , I ~~ . ,~~~,., -~ '(' YOU MAY ALSO HAVE THE RIGHT: . TO SELL TI:IE PROPERTY TO OBTAIN MONEY TO PAY OFF TI:IE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. . TO HAVE THIS DEFAULT CURED BY ANYTInRDPARTY ACTING ON YOUR BEHALF. . TO HAVE TI:IE MORTGAGE RESTORED TO TI:IE SAME POSmON AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE TI:IE DEFAULT. (HOWEVER, YOU DO NOT HAVE . THIS RIGHT TO CURE YOUR DEFAULT MORE 1HAN lHREE TIMES IN ANY . CALENDAR YEAR.) . TO ASSERT TI:IE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED. UNDER TI:IE MORTGAGE DOCUMENTS, . TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY TI:IE LENDER. . TO SEEK. PROTECTION UNDER TI:IE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY . CUMBERLAND COUNTY CCCS of West em Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, P A 171 02 (717) 541-1757 FAX (717) 541-4670 Financial Counseling Services ofFrank1in 31 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 FAX n1a Urban League of Metropolitan Harrisburg N. 6th Street HarrisbUrg, P A 171 0 I (717) 234-5925 FAX (717) 234-9459 YWCA of Carlisle- . 30 I G Street Carlisle, PA 17013 (717) 243-3818 FAX (717) 731-9589 Community Action Comm of the Capital Region 1514 Deny Street Harrisburg, PA 17104 (717) 232-9757 FAX (717) 234-2227 Adams County Housing Authority 139-143 Carlisle St. Gettysburg, P A 17325 (717) 334-1518 FAX (717) 334-8326 Page 60f 6 ,:".~w.W_rv- r !' - .".,..,..".- <, , ~~_~. .~~,>_.ffi'F .. . -," ., :", . .'.'... ,~ ' " ., >. "';::'.::.' '~.', '::~:<~:.~:~;.~' " /;, iiJ i!~f k :' .; ,...., -"'~ ~ !J tI'2;::' I,.. ~ fl.I!I"....;. &'",-".> ,~H:~; ;:, I t(!iih'i::i;;~:;;~ ::;J. 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H "'" Gl' Ed If ~ g ! o 0 ~ m 'iii - > e::;; i ~ 8 o.'I1U:il F:'N'" 'il'@1l ~ '" - ill U) DO '" .. e ~ a. 1il ~ >< d .; ~ o 8 r:e. . g ~i J ~ B ii..- ID -i i!J f~ 2~6SS.; ::i:.. '0 l;.., <'i~~ B-g ~ "Cg!:"OID,cc. lii'alil=!!lll OC"i;l> III "'..'0 Ii oS g. ..- G.1 '!: ~Ih~~ ;a:~~i! ii"'o~,c~ -~>'CtIoc: ~ ~,c~o sH-g,o(15 . . . .~ ttO ~~ cO~ I ~~ D 5 ~ · ~~.t ~I j~c:~ Ii 'Il'GJi) 6 ~! ~ -e *"3 Nl:" f ~ ...,_.....-... I...............'. ".;\ t i....... L. I ~ t N ~ m I [/' I , ,. , I., ! .~. I:;;;;;; ,., .' . ~ \ ! I , t t';" "')" t.::, f' ','J, I l I i i r.. I l t , I. ,. t, ,. V 1': R I FIe A T ION Mark J. Udren, Esquire, hereby states tha~ he is the attorney for the Plaintiff, a corporation unless designated otherwise; that he is authorized to take this Verification and does so because of the exigencies regarding this matter, and because Plaintiff must verify much of the information through agents, and because he has personal knowledge of some of the facts averred in the foregoing pleading; and that the statements made in the foregoing pleading are true and correct to the best of his knowledge, information and belief and the source of his information is public records and reports of Plaintiff's agents. The undersigned understands that , . this statement herein is made subJect to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. tyvl Mark J. Udren, ESQUIRE MARK J. UDREN & ASSOCIATES '1E~0i>!'1j'ffr ,~ , 'I .~-I . ., ~ ., ~~ ~ ,.~, .,~ ':~~~51e!'ilf'l(~1",;t.fJ!iN.~;a;;,;:g;i>!;tJ~~iIfu~'!Ii~~'l\lB:.;]{<)'-';1-.g"''''''till':""i''.miili,\li;i@\,l~tikffl-,~C.r.',*_i:M!HlJRi'~Ml~~~~.!~!!~EimlliJw..lil.AiIIi!lil:Jl',~al~_1't\iI~, OI'FlCE !)F TYf ;,liERlf''' Clwr,. .: ':'jUIHY JUN 6 3 35 FII '01 P E Ii d S( L V A N I A , i..1 /\ .~~ ~ ~ ~ . ~ ~ W ",;.173\ '&!:!IV " " k~t'1,~t\~-.;,J!!r;"~~,l",,-,,-,,,,">,~~:b~~'~~F-'I1!'\,,"!_,~.-,o"'"~".,-,_" ._~,"f_""," ,_"'U'>,~,,_ '_",~..,~,,,,.,, """_"'-",'''',,,'"_,,'","',_ ,,, _ ,~"_~ _',"'" ~. ~ -j""~ ~-" \ oj S1 <Ri; Ji" :I MARK J. unREN &: ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff v. Michael L. Gray Nancy L. Gray 124 Park Drive Middletown, PA 17057 Defendant(s) "WE HEREBY CERTIFY THE 1 ^ WITHIN TIO BE TRUE AN[ r \ CORRECT COpy OF THE ORIG,. ATTORNEY FOR PLAINTIFF . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County TRUE COpy FROM ReCORD III T8lItlmony wl1er~t, I oon.unlo. my:_ ~ :';!:";~~~ : - nomy.. . :NO. 01- .JSCO c,()~CT~ . COMPLAINT IN MORTGAGE FORECLOSURE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. lOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYERS REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 ';'"'~~, - ~~ '" I' ~H --r "~ "1 ..=-=""".' AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta ascentar una comparencia escrita 0 en persona 0 con un abogado y entregar a la corte en forma escrita sus defensas 0 sus objeciones alas demandas en contra de su persona. Sea avisado que si usted no se dafiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso 0 notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero 0 sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO o SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CtJ'YA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIaUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. . Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 'iil\"lj~.!Jll!ili. ,~~"~ ~ , L ,I '.' - ~ , . ~~,~~~~ ,~" .~"_ ...~ ~"",~,".)l NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt oHhis Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission. of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as Itated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is required and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt This law fll"Dl is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt, and any information obtained will be used for that purpose. LAW OFFICES OF MARK J. UDREN Isl Mark J. Udren, EsqUire 1040 N. Kings Highway, Suite 500 . Cherry Hill, NJ 08034 (856) 482-6900 iOil1.,~(_~. ," ,. , ~ =. " _H~ ~"_ '-',=. _.~~ 1. Plaintiff is the Corporation designated as such in the caption on a preceding page. If Plaintiff is an assignee then it is such by virtue of the following recorded assignments: Assignor: EquiCredit Corporation of PA Assignee: u.s. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) Recording Date: LODGED FOR RECORDING Book: Page: 2. Defendant(s) is the individual designated as such on the caption on a preceding page, whose last known address is as set forth in the caption, and unless designated otherwise, is the real owner(s) and mortgagor(s)of the premises being foreclosed. 3. On or about the date appearing on the Mortgage hereinafter described, at the instance and request of Defendant(s), Plaintiff (or its predecessor, hereinafter called Plaintiff) loaned to the Defendant (s) the sum appearing on said Mortgage, which . Mortgage was executed and delivered to Plaintiff as security for the indebtedness. Said Mortgage is incorporated herein by reference in accordance with PA.R.C.P. 1019 (g). The information regarding the Mortgage being foreclosed is as follows: MORTGAGED PREMISES: 431 N. 2nd Street MUNICIPALITY/TOWNSHIP/BOROUGH: Borough of Worm1eysburg COUNTY: Cumberland DATE EXECUTED: 12/29/97 DATE RECORDED: 1/02/98 BOOK: 1424 PAGE: 1007 The legal description of the mortgaged premises is attached hereto and made part hereof. 4. Said Mortgage is in default because the required payments have not been made as set forth below, and by its terms, upon breach and failure to cure said breach after notice, all sums h.f~~illl:'1S_ _ ,i, - , -~--'- , c_ , - ~ _''''~--'~I,,",,_' "~_.o- secured by said Mortgage, together with other charges authorized by said Mortgage itemized below, shall be immediately due. 5. After demand, the Defendant (s) continues to fail or refuses to comply with the terms of the Note as follows: (a) by failing or refusing to pay the installments of principal and interest when due in the amounts indicated below; (b) by failing or refusing to pay other charges, if any, indicated below. 6. The following amounts are due on the said Mortgage as of 6/1/01: Principal of debt due and unpaid Interest at 10.05% from 8/5/00 to 6/1/01 (the per diem interest accruing on this debt is $18.28 and that sum should be added each day after 6/1/01) $65,490.48 5,448.24 Title Report Court Costs (anticipated, excluding Sheriff's Sale costs) 250.00 280.00 Escrow Overdraft/(Balance) (The monthly escrow on this account is $0.00 and that sum should be added on the first of each month after 6/1/01) 0.00 Late Charges (monthly late charge of $33.26 should be added on the fifteenth of each month after 6/1/01) 297.85 Attorneys Fees (anticipated and actual to 5% of principal) TOTAL 3,274.52 $75,041.09 7. The attorney's fee set forth above are in conformity with the mortgage documents and Pennsylvania law, and will be collected iJ1i$~ ,"- - - - -~ - 1!!1!i] in the event of a third party purchaser at Sheriff's Sale. If the mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged in accordance with the reduction provisions of Act 6, if applicable. 8. The combined notice specified by the Pennsylvania Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983 and Notice of Intention to Foreclose under Act 6 of 1974 has been sent to each defendant, via certified and regular mail, in accordance with the requirements of those acts, on the date appearing on the copy attached hereto as Exhibit "A", and made part hereof, and defendant(s) have failed to proceed within the time limits, or have been determined ineligible, or Plaintiff has not been notified in a timely manner of Defendant(s) eligibility. WHEREFORE, the Plaintiff demands judgment, in rem, against the Defendant(s) herein in the sum of _$75,041.09 plus interest, costs and attorneys fees as more fully set forth in the Complaint, and for foreclosure and sale of the Mortgaged premises. Mark J. dren, ESQUIRE MARK J. UDREN & ASSOCIATES Attorney for Plaintiff Attorney I.D. No. 04302 '",f,k_~ ,~J\i!~ !lI!{l.. _, __'~'_", ~~~ . ~ ~ ~,~~'"~ ~=~~~ ~'->=~"''""'~~ ALL THAT CERTAIN LOT OF LAND FORMERLY SITUATE IN EAST PENNSBORO TOWNSHIP; BUT NOW IN TIlE BOROUGH OF WORMLEYSBURG, CUMBERLAND COUNTY, PENNSYLVANIA, KNOWN AND DESCRIBED AS LOT NO. 94 ON PLAN NO. 3 OF EDGEWATER. SAID PLAN BEING RECORDED IN CUMBERLAND COUNTY RECORDER'S OFFICE IN PLAN BOOK 1, PAGE 71. SAID LOT IS MORE PARTICULARLY BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT: BEGINNING AT A POINT ON THE EASTERN LINE OF SECOND STREET AT THE DIVIDING LINE BETWEEN LOTS NOS. 94 AND 95 ON SAID PLAN, SAID POINT BEING 400 FEET MEASURED NORTllWARDLY ALONG SECOND STREET FROM THE NORTHEAST CORNER OF SECOND AND ELM STREETS; THENCE IN A SOUTHERLY DIRECTION ALONG THE EASTERN LINE OF SECOND STREET 25 FEET TO A POINT ON THE DIVIDING LINE BETWEEN LOTS NOS. 93 AND 94, SAID DIVIDING LINE PASSING THROUGH THE CENTER OF THE PARTITION WALL OF THE DOUBLE TWO STORY BRICK AND FRAME DWELLING ERECTED IN PART UPON THE LOT HEREIN DESCRIBED; THENCE IN AN EASTERLY. DIRECTION ALONG SAID LAST MENTIONED LINE 150 FEET TO RIVER ALLEY; THENCE IN A NORTHERLY DIRECTION ALONG THE WESTERN LINE OF RIVER ALLEY 25 FEET TO THE DIVIDING LINE BETWEEN LOTS NOS. 94 ~ 95 ON SAID PLAN; THENCE IN A WESTERLY DIRECTION ALONG SAID LAST MENTIONED LINE 150 FEET TO THE POINT OR PLACE OF BEGINNING. AND THEREON ERECTED THE NORTHERN HALF OF SAID TWO STORY BRICK AND FRAME DWELLING HOUSE KNOWN AS 431 N. SECOND STREET. UNDER AND SUBJECT, NEVERTHELESS, TO RESTRICTIONS, CONDITIONS AND EASEMENTS OF PRIOR RECORD PERTAINING TO SAID PREMISES. . :;'S:.~W""<""",,"__~,,,",,~ ""n.." - fUr - - ~~~-- March 26, 2001 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 oftll1e default is provided in the attached pages. . The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the pr02l"am works. To see ifHEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF TIDS NOTICE. Take this Notice with yoU when you meet with t6.e Counseling Agency. The name. address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end oHms Notice. Hyou have my Questions, you may call the Pennsylvania Housing Finance Aeency toll free at 1-800-342-2397. (Persons with impaired hearing can call (717) 780-1869). This Notice contains important legal information. H you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help eXplain it. You may also wantto contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VlVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENDO DE ESTA .~OTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (pENNSYLVANIA. HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGmLEPARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNEIt'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" ELCUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU . HIPOTECA. Page IoU EXHIBIT A 'fij~ ,'~" .- , -r- ., - ,~ ., ~ " ,~,; PROPERTY ADDRESS: Michael L. Gray Nancy L. Gray 431 N. 2nd Street Wl!r)nleysburg, PA 17043 8537001797 EquiCredit Corporation of Pennsylvania U.S. Bank National Association, F/Kf A First Bank NationaIAssociation, TR U/ADTD 5/1198 (EQCC Home Equity Loan Trust 1998-1) HOMEOWNER'S NAME(S): LOAN ACCT. NO.: ORIGINAL LENDER: CURRENT LENDER: 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 ELIGmLE FOR EMERGENCY MORTGAGE ASSISTANCE: . IF YOUR DEFAULT HAS BEEN CAUSED BY CmCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REAsONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGmILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. . . TEMPORARY STAY OF FORECLOSURE - Under tQe Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. Duringthat time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. TmS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. 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 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 of this notice, the lender may NOT take action against you fortl)irty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. 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 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 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. . Page 2 of6 :\t~JmW'fl!.l_ ~~_~, l.l.. ". -" r.,,, ~" YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAll.. TO DO SO OR IF YOU DO 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 w:Uier the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be noWied 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 TillS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have flIed bankruptcy yon can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Brinj! it up to date). NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on yoUr property lm;ated at: 431 N. 2nd Street Wormleysburg,PA 1~043 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONIlIT-Y MORTGAGE PAYMENTS for the following months and the following amounts are now past due: . Monthly PaYlilents of $665.25 for September 2000 through March 2001 = $4,656.75 Monthly Late Charges of $33.26 for = $231.33 Other charges (eXplain/itemize): $0.00 TOTAL AMOUNT PAST DUE: $4.888.08 B. YOU HAVE FAILED TO T;"U<E TIIE FOLLOWING ACTION (Do not use l[not aPPlicable): N/A HOW TO clinE THE DEFAULT - You may cure the default within TIllRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, wHrCH IS $4.888.08. PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WIllCH BECOME DUE DURING TIlE TIllRTY (30) DAY PERIOD. Payments must be made either by cash. cashier's cbeck. certified check or money order made payable and sent to: Mark J. Udren & Associates 1040 N. KinI!:S ffil!:hway. Suite 500 Cherry Hill NJ 08034 You can cure any other default by taking the following action within TIllRTY (30) DAYS of the date of this letter: (Do not use ifnot applicable.): N/A Page 3 of6 '7<4_ ~" ., , -I . . -. L1 mJr "' IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its ril!hts 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 the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortl!al!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 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, 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 willbe 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 period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balanpe and all other sums due under the mortgage. If your debt has been discharged in banlcruptcy without your having reaffirmed it, then lender cannot pursue this remedy. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFFDS SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time UP to one hour before the Sheriff s 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 the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writing by the lender and by perfonninj!; any other requirements under the mortj!;llj!;e. Curing your default in the manner set forth in this notice will restore your m\lrtgage to the same position as if you had never defaulted. . EARLIEST POSSmLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's .Saleof the mortgaged property could be held would be approximately 6 months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. . HOW TO CONTACT THE LENDER: Name ofLender/Servicer: Address: Phone Number: Fax Number: Contact Person: EquiCredit Corporation of America. 10401 Deerwood Park Blvd. MC FL?-015-l12-14 Jacksonville,FL 32256 800/759-6380 904/457-4081 Linda Caldwell, ext. 74060 EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remoyeyou and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may not transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. Page 4 oU j8'~~".wmf,"~_ ~^" __ ~_ ~ , I' - NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document 1I:hat the validity of the stated debt, or any portion ofit, is disputed, we will assume that the debt is valid. Hyou do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mall it to you. If you do not dispute the debt, it is not an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection . . of your debt, or any disputed portion of it, until we obtain the information that is reqUired and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. . This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt, and any information obtained will be used for that purpose. . LAW OFFICES OF MARKJ. UDREN /s/ Mark J. Udren, Esquire 1040 N. Kings Highway, Suite 500 Cherry Hill, NJ 08034 (856) 482-6900 PageS of6 i--~r,_" ~~. -. I r ~~ -~ ~,-"",. ~ po,. _ """"' YOU MAY ALSO HAVE THE RIGHT: . TO SElL THE PROPERTY TO OBTAlN 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 POSmON 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 OlHER LAWSUIT INSTITUTED. UNDER THE MORTGAGE DOCUMENTS, . TO ASSERT ANY OlHER DEFENSE YOU BELmVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. . TO SEEKPROlECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY , CUMBERLAND COUNTY CCCS of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, PA 17102 (717) 541-1757 FAX (717) 541-4670 Financial Counseling Services of Franklin 31 West 3rd Street Waynesboro, P A 17268 , (717) 762-3285 FAX nla Urban League of Metropolitan Harrisburg N. 6th Street HarrisbUrg, PA 17101 (711) 234-5925 FAX (717) 234-9459 YWCA of Carlisle.' . 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX (717)731-9589 Community Action Comm of the Capital Region 1514 Derry Street Harrisburg, P A 17104 (717) 232-9757 FAX (717) 234-2227 Adams County Housing Authority 139-143 Carlisle Sl Gettysburg, P A 17325 (717) 334-1S18 FAX (717) 334-8326 Page 6 of6 ;;;.t?HHW,!'L _'"'" '" ~, ,~ fll- m ~i ~I 1 ~ ~ ail. h.. ; i l~ ~~ & o n~p Q:O 1-0 j ;[ o:,ij. 21JIJg,IJ,E.~5 ",:':';' '."~. ..: " ", ., ,w. . .:."~ ,: . '. .... '<~. ",. .'. ~2~ . ~ (.) fi ~'<!-.'\'''' - , ~ h .. '-1' ,-' . ~ .' ~ ":::.' 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"C:O.....::Ji (11m mO"O" .. . .rmO:D ~.lJ2:(J) '< ~ ,~..> ~ E'g:~ a)> CD g ~ _ ,\ c3(ll~.:J cG> 0' 3 '2. C/):Dm1:l f am.., & \J lP ~ ;R(J) a; 0._ ~ 5" 51 g f. ....0 Q.lD 0'" '<. - I um.lD'C! -.., n a. a!. . o'S.tllo.s :C'1J Dr:: en ~:Da~11l3Jgi;gt:l::. i ~~~i~asa; n ".a.=C'~o_" . c/hll)fgdl a.m a ~ ~ "l!:'oo~ 0 ~ (, "< ~"g"O.D s::::: ~ iii' ~ g ~g.g Iii ~:=; Co ~ 0 "'orr-a. . ::r 0 -< o~ (Dam g ~ : 111 't)lDo. o._!!!. rJ ~ '51 ~ S- !l 3 - m<a:so.u Si~Q DoIll<O III a (Jl."'O "-~iirs. a. ~ !!.$ og.g. ;: ,,:l; i~8tll1:l ~ ~ ~.i~ ~g g, "a-S:l:i(;' ~ . ii"~I1l::J_ I \/.' ' ,. :~'.~.. , ~ .; tf~ !~ ~- ('-' ~) ~Cb ~d3 '7] ~ ~ -' 'e~3 - f. \'.' " ,,:;: ~ .',::.... .'; " t. . '. ",. .. t. L I ~ \ III i I \\..... .~,(! . 'i.,'. " ......... ,.l;. Ii ( \ .... I'.:'.' \.,;:;,,\ {'::tiT; r......... , \ \ , ~ \. . .,. ~'i~" r; \ ~., . \ \ , i \ l.... \'.:.. I ,. \ \ , ,. ,. l ~ -~-,' .. ,- ; .' 'Fr-Wl-''J;_, V E R I FIr. A T ION Mark J. Udren, Esquire, hereby states that he is the attorney for the Plaintiff, a corporation unless designated otherwise; that he is authorized to take this Verification and does so because of the exigencies regarding this matter, and because Plaintiff must verify much of the information through agents, and because he has personal knowledge of some of the facts averred in the foregoing pleading; and that the statements made in the foregoing pleading are true and correct to the best of his knowledge, information and belief and the source of his information is public records and reports of Plaintiff's agents. The undersigned understands that this statement herein is made . . subJect to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. ~ Mark J. Udren, ESQUIRE MARK J. UDREN & ASSOCIATES ,,~=- IIIlI!lWt~ . - ~ ~. ,___~""~'*' -",.;"..", ,"__,,0/',( ~Mllliillj;jij."11;0!iM8;"""d.i0"lljH".l':;i,,,;UE4;Vrllil,gi~~W>it:,,,-I,!!!""'?jM,~,i'1'_~_'"<ilPA~'>(:eHJ!;m,\!\r>-..IIi<~;1Ml~M~M'llIi :I~$l '"" err 1" E5-HctiW,11If\f ij)FF1C - j. ':': ,')t>,N~ ,:('rl~iJC~" " JUII G 3 3S hI '0\ , , ,- G;--'- ':'"L, '_""_',1-:, . " "'L'ii"" I' PENN:::>i ~ ~r,," ~~~31~ _..,..--'-' , ~" ~~\ ~>) " " "''''''''''',.''''''''"., "~~..,~_ _~"__ ~~""_""=_~-""-"~''''' ,.~v v. .,,'M_J. "~_" . ".'" , , . , 0, ", ,~~:,,- ~-'"'~'IIIiiW~-: ''1iIi~.dl ilr._: 1\) ,'\ .., . MARK J. unREN << ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 "WE HIR!BVCmlFYTHE WITHIN TO filiI mUle AND ~ CORRIOT COpy 0' THE ORI~" J ATTORNEY FOR PLAINTIFF U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 DeerwoodPark Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County TRUE.COPY FROM RECORD : kl T~ whtlfoof, I !ltife unto Sit myllani : _ tile -' 01 saki ~at Carlisle, PL. : TIiI -'... o..{.J..... day 8f ~illl . ~ //An/k 0 ..9 . ../UV-< r ;; pe;- : . . notMy v. Michael L. Gray Nancy L. Gray 124 Park Drive Middletown, PA 17057 Defendant(s) : NO. DI- 3S00 C;l.>~l L~ . COMPLAINT IN MORTGAGE FORECLOSURE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written app-earance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYERS REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 ~16~l.W "~'" ~'- , , " ~" ., ~ r:-~ ~~.. ,__~ ^~_ ,...,~",j'!F AVISO Le han demandado a usted en la corte. si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta ascentar una comparencia escrita 0 en persona 0 con un abogado y entregar a la corte en forma escrita sus defensas 0 sus objeciones alas demandas en contra de su persona. Sea avisado que si usted no se dafiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso 0 notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que listed cumpla con todas las provisiones de esta demanda. Usted puede perder dinero 0 sus propiedades u otros derechos import antes para usted. LLEVE ESTA DEMAllDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO o SI NO TIENE EL DlNERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. . Cumberland County Bar Association 2 Liberty Avenue Carlisle, P A 17013-3387 717-249-3466 or 800-990-9108 <;04_ !iill~ "~'"'"'"1- ~ ~ . " , .....- ~ "~,__d: NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as ~tated above, we will cease collection of your debt, or any disputed portion of it, .until we obtain the information that is required and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt, and any information obtained will be used for that purpose. LAW OFFICES OF MARK J. UDREN /s/ Mark J. Udren, Esquire 1040 N. Kings Highway, Suite 500 Cherry Hill, NJ 08034 (856) 482-6900 ,-"~-""-~ - ~~ . .~" ~ , -., ..~~_,L ..L. ~-. -"."".",.... Jj 1. Plaintiff is the Corporation designated as such in the caption on a preceding page. If Plaintiff is an assignee then it is such by virtue of the following recorded assignments: Assignor: EquiCredit Corporation of PA Assignee: U.s. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) Recording Date: LODGED FOR RECORDING Book: Page: 2. Defendant(s) is the individual designated as such on the caption on a preceding page, whose last known address is as set forth in the caption, and unless designated otherwise, is the real owner(s) and mortgagor(s)of the premises being foreclosed. 3. On or about the date appearing on the Mortgage hereinafter described, at the instance and request of Defendant(s), Plaintiff (or its predecessor, hereinafter called Plaintiff) loaned to the Defendant (s) the sum appearing on said Mortgage, which . Mortgage was executed and delivered to Plaintiff as security for the indebtedness. Said Mortgage is incorporated herein by reference in accordance with PA.R.C.P. 1019 (g). The information regarding the Mortgage being foreclosed is as follows: MORTGAGED PREMISgS: 431 N. 2nd Street MUNICIPALITY/TOWNSHIP/BOROUGH: Borough of Wormleysburg COUNTY: Cumberland DATE EXECUTED: 12/29/97 DATE RECORDED: 1/02/98 BOOK: 1424 PAGE: 1007 The legal description of the mortgaged premises is attached hereto and made part hereof. 4. Said Mortgage is in default because the required payments have not been made as set forth below, and by its terms, upon breach and failure to cure said breach after notice, all sums '.~~-, ~ ".' . , , . ". = , secured by said Mortgage, together with other charges authorized by said Mortgage itemized below, shall be immediately due. 5. After demand, the Defendant (s) continues to fail or refuses to comply with the terms of the Note as follows: (a) by failing or refusing to pay the installments of principal and interest when due in the amounts indicated below; (b) by failing or refusing to pay other charges, if any, indicated below. 6. The following amounts are due on the said Mortgage as of 6/1/01: Principal of debt due and unpaid Interest at 10.05% from 8/5/00 to 6/1/01 (the per diem interest accruing on this debt is $18.28 and that sum should be added each day after 6/1/01) $65,490.48 5,448.24 Title Report Court Costs (anticipated, excluding Sheriff's Sale costs) 250.00 280.00 Escrow Overdraft/(Balance) (The monthly escrow on this account is $0.00 and that sum should be added on the first of each month after 6/1/01) 0.00 Late Charges (monthly late charge of $33.26 should be added on the fifteenth of each month after 6/1/01) 297.85 Attorneys Fees (anticipated and actual to 5% of principal) TOTAL 3,274.52 $75,041.09 7. The attorney's fee set forth above are in conformity with the mortgage documents and Pennsylvania law, and will be collected '~!!'~~ ,~ ~-~, 'J"-~- 0"'"1- "'I I "., ~ ~_........n in the event of a third party purchaser at Sheriff's Sale. If the mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged in accordance with the reduction provisions of Act 6, if applicable. 8. The combined notice specified by the Pennsylvania Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983 and Notice of Intention to Foreclose under Act 6 of 1974 has been sent to each defendant, via certified and regular mail, in accordance with the requirements of those acts, on the date appearing on the copy attached hereto as Exhibit "A", and made part hereof, and defendant(s) have failed to proceed within the time limits, or have been determined ineligible, or Plaintiff has not been notified in a timely manner of Defendant(s) eligibility. WHEREFORE, the Plaintiff demands judgment, in rem, against the Defendant (s) herein in the sum of .$75,041.09 plus interest, costs and attorneys fees as more fully set forth in the Complaint, and for foreclosure and sale of the Mortgaged premises. dren, ESQUIRE MARK J. UDREN& ASSOCIATES Attorney for Plaintiff Attorney I.D. No. 04302 ',~~~~~,~ ~,. .. I I r~-"'" ~ " -~~~~~"" ALL THAT CERTAIN LOT OF LAND FORMERLY SITUATE IN EAST PENNSBORO TOWNSHIP; BUT NOW IN THE BOROUGH OF WORMLEYSBURG, CUMBERLAND COUNTY, PENNSYLVANIA, KNOWN AND DESCRIBED AS LOT NO. 94 ON PLAN NO. 3 OF EDGEWATER. SAID PLAN BEING RECORDED IN CUMBERLAND COUNTY RECORDER'S OFFICE IN PLAN BOOK 1, PAGE 71. SAID LOT IS MORE PARTICULARLY BOUNDEn AND DESCRIBED AS FOLLOWS, TO WIT. BEGINNING AT A POINT ON THE EASTERN LINE OF SECOND STREET AT THE DIVIDING LINE BETWEEN LOTS NOS. 94 AND 95 ON SAID PLAN, SAID POINT BEING 400 FEET MEASURED NORTHWARDLY ALONG SECOND STREET FROM THE NORTHEAST CORNER OF SECOND AND ELM STREETS; THENCE IN A SOUTHERLY DIRECTION ALONG THE EASTERN LINE OF SECOND STREET 25 FEET TO A POINT ON THE DIVIDING LINE BETWEEN LOTS NOS. 93 AND 94, SAID DIVIDING LINE PASSING THROUGH THE CENTER OF THE PARTITION WALL OF THE DOUBLE TWO STORY BRICK AND FRAME DWELLING ERECTED IN PART UPON THE LOT HEREIN DESCRIBED; THENCE IN AN EASTERLY DIRECTION ALONG SAID LAST MENTIONED LINE 150 FEET TO RIVER ALLEY; THENCE IN A NORTHERLY DIRECTION ALONG THE WESTERN LINE OF RIVER ALLEY 25 FEET TO THE DIVIDING LINE BETWEEN LOTS NOS. 94 & 95 ON SAID PLAN; THENCE IN A WESTERLY DIRECTION ALONG SAln LAST MENTIONED LINE 150 FEET TO THE POINT OR PLACE OF BEGINNING. AND THEREON ERECTED THE NORTHERN HALF OF SAID TWO STORY BRICK AND FRAME DWELLING HOUSE KNOWN AS 431 N. SECOND STREET. UNDER AND-SUBJECT, NEVERTHELESS, TO RESTRICTIONS, CONDITIONS AND EASEMENTS OF PRIOR RECORD PERTAINING TO SAID PREMISES. . ~~~, March 26, 2001 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME. FROM FORECLOSURE This is an official notice that the mort2a2e on your home is in default. and the lender . intends to foreclose. Specific information about the nature of the default is provided in the attached pa2es. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (REMAP) may be able to help to save your home. This Notice explains how the pro,,-am works. To see ifHEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF TmS NOTICE. Take this Notice with you when you meet with tf..e COUlllselin2 A2ency. The name, address and phone number of Consumer Credit Counselin2 A2encies servin2 your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housin2 Finance A2ency toll free at 1-800-342-2397. (Persons with impaired hearin2 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 wantto contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU . DERECHO A CONTINUAR .VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENDO DE ESTA _~OTIFICACION OBTENGA. UNA TRADUCCION INMEDITAMENTE LLAMANDOESTA AGENCIA (pENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGffiLEPARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" ELCUAL PUEDE SALV AR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU . HIPOTECA. Page 1 of6 EXHIBIT A "01"l~?;T . "'--, , .- -~ - . - lln _ _d~- HOMEOWNER'S NAME(S): Michael L. Gray NancyL. Gray 431 N. 2nd Street Wormleysburg, PA 17043 8537001797 EquiCredit Corporation of Pennsylvania U.S. Bank National Association, FIK/A First Bank National Association, TR UI A DTD 5/1/98 (EQCC Home Eqnity Loan Trost 1998-1) PROPERTY ADDRESS: LOAN ACCT. NO.: ORIGINAL LENDER: CURRENT LENDER: HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGmLE 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 ELIGffiLE FOR EMERGENCY MORTGAGE ASSISTANCE: . IF YOUR DEFAULT HAS BEEN CAUSED BY CmCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGffiILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. . . TEMPORARY STAY OF FORECLOSURE - Under tl}e Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. Duringthat time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. TmS MEETING MUST OCCUR WITHIN TIlE NEXT (30) DAYS. 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 CUREYOUR 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 of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names. addresses and telephone numbers of designated consumer credit counselinp; agencies for the comity in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. 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 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 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. . Page 2 of6 "'!:::_Jl!!_:oJ'l., ." ... "r .''"''1" , ~ , YOU MUST FIT..E YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN TmS LEITER, 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 Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you. have met the time requirements set forth above. You will be notif'ied directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FH..ING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF TillS 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: 431 N. 2nd Street WormleysbUrg,PA 1~043 IS SERIOUSLY IN DEFAULT because: A YOU HA VB NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: . . Monthly Payments of $665.25 for September 2000 through March 2001 = $4,656.75 Monthly Late Charges of $33.26 for = $231.33 Other charges (eXplain/itemize): $0.00 TOTAL AMOUNT PAST DUE: $4.888.08 B. YOU HA VB FAILED TO T{\KE TIIE FOLLOWING ACTION (Do notuse ifnot applicable): N/A HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, winCH IS $4.888.08. PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURlNG TIlE TIllRTY (30) DAY PERIOD. Payments must be made either bv cash. cashier's check. certified check or monev order made payable and sent to: Mark J. Udren & Associates 1040 N.Kinl!s ffil!hway. Suite 500 Cherry Hill. NJ 08034 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Do not use if not applicable.): NI A Page 3 of6 ,!-~"'~-~, . ~= ~- "[""""" ., ~" ~~ , ~ ~,__"._ ;0'; IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within TIllRTY (30) DAYS of the date of this Notice, the lender intends to exercise its ri2hts to accelerate the mort2a2e 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 TIllRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mort2a2ed 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 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 actnaIly 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. H yOU cure the. default within the THIRTY (30) DAY period. you will not be required to pay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balanpe and all other sums due under the mortgage. If your debt has been discharged in bankruptcy without your having reaffirmed it, then lender cannot pursue this remedy. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFFDS SALE - If you have not cured the default within the TIllRTY (30) DAY period and foreclosure proceedings have begun, vou still have the rililit to cure the default and prevent the sale at any time UP to one hour before the Sheriff's Sale. You may do so by pavinl! 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 anv other costs connected with the Sheriff's Sale as specified in wOtin!! by the lender and by performinl! any other reQuirements under the mortga!!e. Curing your default in the manner set forth in this notice will restore your m4;lrtgage to the same position as if you hBd never defaulted. . EARLIEST POSSmLE 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 6 months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. . HOW TO CONTACT THE LENDER: Name ofLender/Servicer: Address: Phone Number: Fax Number: Contact Person: EquiCredit Corporation of America. 10401 Deerwood Park Blvd. MC FL?-015-02-14 Jacksonville,FL 32256 800/759-6380 904/457-4081 Linda Caldwell, ext. 74060 EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's Sale will end your ownership of the mortgaged pt'Operty and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may not transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. Page 4 of6 "i'.",""P' .I.~1ftl~. ii,_",~ -1-" -r " , 1llIlm"1J,' NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document that the validity of the stated debt, or any portion ofit, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we will obtailll verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is reqUired and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law fll"m is deemed to be a debt collector and this Notice and the attached document is . an attempt to collect a debt, and any information obtained.will be used for that purpose. . LAW OFFICES OF MARKJ. UDREN Isl Mark J. Udren, Esquire 1040 N. Kings Highway, Suite 500 Cherry Hill, NJ 08034 (856) 482-6900 Page 5 of6 . ,~:("'11:1J>j.1l., J, '"" :7"'-'.- ~-, 1", ~""""',' 1 , 11f.\; -'f';!#.j1uWl!lti7;',", 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 TIllS DEBT. . TO HAVE TIllS DEFAULT CURED BY ANYTIDRDPARTY ACTING ON YOUR BEHALF. . TO HAVE THE MORTGAGE RESTORED TO THE SAME POSmON AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE . TIllS RIGHT TO CURE YOUR DEFAULT MORE TIIAN 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. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY . CUMBERLAND COUNTY CCCS of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, PA 17102 (717) 541-1757 FAX (717) 541-4670 Financial Counseling Services of Franklin 31 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 FAXn/a Urban League of Metropolitan Harrisburg N. 6th Street HarrisbUrg, PA 17101 (717) 234-5925 FAX (717) 234-9459 YWCA of Carlisle- . 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX (717)731-9589 Co=unity Action Co= of the Capital Region 1514 Deny Street Harrisburg, PA 17104 (717) 232-9757 FAX (717)234-2227 Adams County Housing Authority 139-143 Carlisle St Gettysburg, P A 17325 (717) 334-1518 FAX (717) 334-8326 Page 60f 6 l~' .,- - , ,- ~ Gl ",;i .fl1 I :. ~::J ~5t all ~ -g tl iCE w ~ t!1 0,," ". 3 EE. CI.li Do i' ~~ - tt! ~! ~ 2Q[]~QE,S,[_ ":',')". ,'<~. ,.,,:... -','.'. ".;'."., Ii Do ....~~~~N"_~ ''''.' -.:.. . .' -',' ~".~, .. "':!.' . . 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"1\ & ;''!\3~.!J~-< CJl8il'a :;(i;~ i l& 0 i i5. :;~~ .,~~ 1l!: s.! :;,,, \l- < ~ ,. "CI~~'5 S-'< S.3:DaJ~3Jg.o:O=~ CD . ij; --~. (tJ C" 111111111 a< o::r S. ~ !f,,~ !to ~c 8: ~ 0 a :: JJ g =- !!l..;r :l-. 0 lA. 0 ~~ a ~ ~ =~'1~ ~~ ';;llJ!,",j!;: ~ 9 ~ 1.. IE "11;a 3!l g"a~c e.! 1\ il 0 " =r" ~ 0. ~ . ~ o'!f'9.il ~" 0-. "'0 g: g~. ",0. O..JP.;;; Ii. s: ! . iilia ~~ ~r~;ff ~i; ~ \ ~ '!\,,$ H ll.:Jl~ [, i ~....,.. <eo.o" -2'. S:-Oiis. 0 ... m 3 om ~'8: !!,$ ~g.il' s: ~:.., ::'l!b!!s M~ .~8.". & .:',. = "'::: ~ ~ ~ ~< "'" ~ ~ . .g K16 S'il ,:r~ ~ ~Q, ;r " .' .:i" 3:3. :70 a:g-~3a. . . ~. <0.... .. E ~ ~l g i i~ i~ P ~l. "'1Il ~>- 's=- )( ci , r .; .~ cf~ j?t 1- c~~~ ]d{ r ~~9 Ii \ t.., I \ \ , , i ~ l , \ ,', \,......:,;,? I;' I.. I , \ \.:,.:.:,.... \>'>;ii ,i;'i"L: 1'."'\ -8 ~l a: ~l 1 ~, , l I , , It....," ".'..!"""'... ..... It":":;' >"-":'" ..',. f':)'Cc: ! ~ . \ \ \ \ ii' r \ \ ~ \ \ .. ,. I , \- ~,"'" V 1': R I F I CAT JON Mark J. Udren, Esquire, hereby states that he is the attorney for the Plaintiff, a corporation unless designated otherwise; that he is authorized to take this Verification and does so because of the e~igencies regarding this matter, and because Plaintiff must verify much of the information through agents, and because he has personal knowledge of some of the facts averred in the foregoing pleading; and that the statements made in the foregoing pleading are true and correct to the best of his knowledge, information and belief and the source of his information is public records and reports of Plaintiff's agents. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. tyvl Mark J. Udren, ESQUIRE MARK J. UDREN & ASSOCIATES ';'<;'1" '''''l' 1-"- '0 - ~ ~ ,- ',' 'I H . " ~ , ,~~ ,. [ ~~~ _'l1I~-- :~~~I!~~~~~ici"\~;'Ji'<-~""...,,;~,ii~,;r~'Wl''!I.,11ffiwM.!k..~'%'i:",l';;'~*'ljW.~_~t'RfuV'W+YJttAA....,~~rn;[~aoJ,.....,. ~~~~ -~~-~"'~lilD.iIlii!illil!liII~ '~j [' ~.o" "' 'lliF,flGE OF FE 2,ffElll.fil' ~! :'Olj~lfj~':: ,-:". r,~:U~if'?f .ju~ 6 3 36 F\1 '01 \..} ~"c, i l. i .~ ,..... <__ PE'J"S'VLI/' "., , - f-, \''.:, I [."-i"ll ij-~ \. 3J~~.3J~ '" '.., .. . ~,~~w~ _.,__W" = "~ ,,,,,",' ~. ~'....~~.. _~. .,~- '" -, )J t .~". ,," ,. _ , ,_"",.: "~ , ": ~ o ;,;""" ,_~!Il/f,lJll .- MARK J. unREN & ASSOCIATES BY: Mark J.Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 ATTORNEY FOR PLAINTIFF u.s. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County v. Michael L. Gray Nancy L. Gray 124 Park Drive Middletown, PA 17057 Defendant(s) : NO. or - 2sdJ C;u~(T~ COMPLAINT IN MORTGAGE FORECLOSURE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYERS REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 c~-,~"., _.--~ ,"'~ "I" I -,.,,' ~ ~ , ~=-'~"'!"'. AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta ascentar una comparencia escrita 0 en persona 0 con un abogado y entregar a la corte en forma escrita sus defensas 0 sus objeciones alas demandas en contra de su persona. Sea avisado que si usted no se dafiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso 0 notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero 0 sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMAlmA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO o SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, P A 17013-3387 717-249-3466 or 800-990-9108 :""[<lI~lU,.~~", .. ~f"'" ~ r.=_.___~_ ",. NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt ofthis Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part. Also, upon your written reqlllest within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is required and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt, and any information obtained will be used for that purpose. LAW OFFICES OF MARK J. UDREN Isl Mark J. Udren, Esquire 1040 N. Kings Highway, Suite 500 Cherry Hill, NJ 08034 (856) 482-6900 -\~~'- < ~.=- ~- ~~,-~,-~: 1. Plaintiff is the Corporation designated as such in the caption on a preceding page. If Plaintiff is an assignee then it is such by virtue of the following recorded assignments: Recording EquiCredit Corporation of PA u.s. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) Date: LODGED FOR RECORDING Book: Page: Assignor: Assignee: 2. Defendant(s) is the individual designated as such on the caption on a preceding page, whose last known address is as set forth in the caption, and unless designated otherwise, is the real owner(s) and mortgagor(s)of the premises being foreclosed. 3. On or about the date appearing on the Mortgage hereinafter described, at the instance and request of Defendant(s), Plaintiff (or its predecessor, hereinafter called Plaintiff) loaned to the Defendant (s) the sum appearing on said Mortgage, which Mortgage was executed and delivered to Plaintiff as security for the indebtedness. said Mortgage is incorporated herein by reference in accordance with PA.R.C.P. 1019 (g). The information regarding the Mortgage being foreclosed is as follows: MORTGAGED PREMISES: 431 N. 2nd Street MUNICIPALITY/TOWNSHIP/BOROUGH: Borough of Wormleysburg COUNTY: Cumberland DATE EXECUTED: 12/29/97 DATE RECORDED: 1/02/98 BOOK: 1424 PAGE: 1007 The legal description of the mortgaged premises is attached hereto and made part hereof. 4. Said Mortgage is in default because the required payments have not been made as set forth below, and by its terms, upon breach and failure to cure said breach after notice, all sums .,.-"..,. 1-- iIl!i.m'!!', secured by said Mortgage, together with other charges authorized by said Mortgage itemized below, shall be immediately due. 5. After demand, the Defendant (s) continues to fail or refuses to comply with the terms of the Note as follows: (a) by failing or refusing to pay the installments of principal and interest when due in the amounts indicated below; (b) by failing or refusing to pay other charges, if any, indicated below. 6. The following amounts are due on the said Mortgage as of 6/1/01: Principal of debt due and unpaid Interest at 10.05% from 8/5/00 to 6/1/01 (the per diem interest accruing on this debt is $18.28 and that sum should be added each day after 6/1/01) $65,490.48 5,448.24 Title Report 250.00 Court Costs (anticipated, excluding Sheriff's Sale costs) 280.00 Escrow Overdraft/(Balance) (The monthly escrow on this account is $0.00 and that sum should be added on the first of each month after 6/1/01) 0.00 Late Charges (monthly late charge of $33.26 should be added on the fifteenth of each month after 6/1/01) 297.85 Attorneys Fees (anticipated and actual to 5% of principal) TOTAL 3,274.52 $75,041.09 7. The attorney's fee set forth above are in conformity with the mortgage documents and Pennsylvania law, and will be collected _",,1)'1.1 ,~ -' in the event of a third party purchaser at Sheriff's Sale. If the mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged in accordance with the reduction provisions of Act 6, if applicable. 8. The combined notice specified by the Pennsylvania Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983 and Notice of Intention to Foreclose under Act 6 of 1974 has been sent to each defendant, via certified and regular mail, in accordance with the requirements of those acts, on the date appearing on the copy attached hereto as Exhibit "A", and made part hereof, and defendant(s) have failed to proceed within the time limits, or have been determined ineligible, or Plaintiff has not been notified in a timely manner of Defendant(s) eligibility. WHEREFORE, the Plaintiff demands judgment, in rem, against the Defendant(s) herein in the sum of $75,041.09 plus interest, costs and attorneys fees as more fully set forth in the Complaint, and for foreclosure and sale of the Mortgaged premises. Mark J. dren, ESQUIRE MARK J. UDREN & ASSOCIATES Attorney for Plaintiff Attorney I.D. No. 04302 C;;,~. " , ~~ "., ~ ""'""" ALL THAT CERTAIN LOT OF LAND FORMERLY SITUATE IN EAST PENNSBORO TOWNSHIP; BUT NOW IN THE BOROUGH OF WORMLEYSBURG, CUMBERLAND COUNTY, PENNSYLVANIA, KNOWN AND DESCRIBED AS LOT NO. 94 ON PLAN NO. 3 OF EDGEWATER. SAID PLAN BEING RECORDED IN CUMBERLAND COUNTY RECORDER'S OFFICE IN PLAN BOOK 1, PAGE 71. SAID LOT IS MORE PARTICULARLY BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT, BEGINNING AT A POINT ON THE EASTERN LINE OF SECOND STREET AT THE DIVIDING LINE BETWEEN LOTS NOS. 94 AND 95 ON SAID PLAN, SAID POINT BEING 400 FEET MEASURED NORTHWARDLY ALONG SECOND STREET FROM THE NORTHEAST CORNER OF SECOND AND ELM STREETS; THENCE IN A SOUTHERLY DIRECTION ALONG THE EASTERN LINE OF SECOND STREET 25 FEET TO A POINT ON THE DIVIDING LINE BETWEEN LOTS NOS. 93 AND 94, SAID DIVIDING LINE PASSING THROUGH THE CENTER OF THE PARTITION WALL OF THE DOUBLE TWO STORY BRICK AND FRAME DWELLING ERECTED IN PART UPON THE LOT HEREIN DESCRIBED; THENCE IN AN EASTERLY DIRECTION ALONG SAID LAST MENTIONED LINE 150 FEET TO RIVER ALLEY; THENCE IN A NORTHERLY DIRECTION ALONG THE WESTERN LINE OF RIVER ALLEY 25 FEET TO THE DIVIDING LINE BETWEEN LOTS NOS. 94 & 95 ON SAID PLAN; THENCE IN A WESTERLY DIRECTION ALONG SAID LAST MENTIONED LINE 150 FEET TO THE POINT OR PLACE OF BEGINNING. AND THEREON ERECTED THE NORTHERN HALF OF SAID TWO STORY BRICK AND FRAME DWELLING HOUSE KNOWN AS 431 N. SECOND STREET. UNDER AND SUBJECT, NEVERTHELESS, TO RESTRICTIONS, CONDITIONS AND EASEMENTS OF PRIOR RECORD PERTAINING TO SAID PREMISES. <~MJ~ ,'- --,1- -"" March 26, 2001 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME. FROM FORECLOSURE This is an official notice that the mort2a2e on your home is in default, and the lender . intends to foreclose. Specific information about the nature of the default is provided in the attached pa2es. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (REMAP) may be able to help to save your home. This Notice explains how tII1e prOlU"am works. To see if REMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF TREDATE OF TmSNOTICE. Take this Notice with you when you meet with the Counselin2 A2ency. The name, address and phone number of Consumer Credit iCounselinll Allencies servinll your County are listed at the end of this Notice. H you have any questions, you may call the Pennsylvania Housinll Finance Allency toll free at 1-800-342-2397. (Persons with impaired hearinll 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 wanfto contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENDO DE ESTA .NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO. ESTA AGENCIA (pENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGffiLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" ELCUAL PUEDE SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU . H1POTECA. f'''" Page 1 of6 EXHIBIT A ~~~< ~~.""""'-~^-"'''~'''~"' r- '" 1'''1"'", PROPERTY ADDRESS: Nuchael1,. Gray NAnllY L. Gray 431 N. 2nd Street WQrmleysburg, PA 17043 8537001797 EqniCredit Corporation of Pennsylvania U.S. Bank National Association, FfKJA First Bank National Association, TR UI A DID 5/1198 (EQCC Home Eqnity Loan Trust 1998-1) HOMEOWNER'S NAMEtS): LOAN ACCT. NO.: ORIGINAL LENDER: CURRENT LENDER: HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGmLE 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 ELIGffiLE FOR EMERGENCY MORTGAGE ASSISTANCE: . IF YOUR DEFAULT HAS BEEN CAUSED BY CffiCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEJING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGffiILITY REQumEMENTS 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 date of this Notice. Duringthat time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. TIDS MEETING MUST OCCUR WITmN THE NEXT (30) DAYS. 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 AGENCmS - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of desil!;llated consumer credit counseling agencies for the comity in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. 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 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 ag~cies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face- to-face meeting. . Page2of6 -..11; ~~_"_. J~ _ ,~,_ ~-'-~ ~ ~'"': - . . , ~ .IE 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 TmS 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 Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you. have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. . NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF TmS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have fIJ,ed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Brin!!: it up to date). NA'I'URE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 431 N. 2nd Street Wormleysburg,PA 17043 IS SERIOUSLY IN DEFAULT because: A. YOU HA VB NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: . Monthly Payments 01$665.25 for September 2000 through March 2001 = $4,656.75 Monthly Late Charges of $33.26 for = $231.33 Other charges (explain/itemize): $0.00 TOTAL AMOUNT PAST DUE: $4,888.08 B. yOU HA VB FAILED TO TAKE TIIE FOLLOWING ACTION (Do not use ifnot applicable): NIA HOW TO CURE THE DEFAULT - You may cure the default within TIIIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, winCH IS $4,888.08. PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING TIlE lHIRTY (30) DAY PERIOD. Payments must be made either bv cash. cashier's check, certified check or money order made payable and sent to: MarkJ. Udren & Associates 1040 N. Kines lliehway. Snite 500 Cherry Hill. NJ 08034 You can cure any other default by taking the following action within TIIIRTY (30) DAYS of the date of this letter: (Do not use ifnot applicable.): NIA Page 3 of6 'P~!r;~lll[<fJ,l,~ ,- '. ~ c IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within TIIIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its ri2hts to accelerate the mort2a2e 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 TIIIRTY (30) DAYS, the lender also intends to instruct its attomeys to start legal action to foreclose upon your mort2a2ed 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 attomeys, 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, if legal proceedings are started against you, you will have to pay all, reasonable attomey's fees actually incurred by the lender even if they exceed $50.00. Any attomey'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 TmRTY (30) DAY period, you will not be reqnired to pay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balano;;e and all other sums due under the mortgage. If your debt has been discharged in bankruptcy without your having reaffirmed it, then lender cannotpursue this remedy. RIGHT TO CURE THE DEFAULT PRIOR TO SHERlFFDS SALE - If you have not cured the default within the TIIIRTY (30) DAY period and foreclosure proceedings have begun, you still have the ri2ht to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by pavinl!; the total amount then past due. plus any late or other charl!;es then due. reasonable attomey's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writin2 by the lender and bv perfonninl! any other requirements under the mortl!;al!;e. Curing your default in the manner set forth in this notice will restore your m\lrtgage to the same position as if you had never defaulted. EARLIEST POSSffiLE 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 6 months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name ofLenderlServicer: Address: Phone Number: Fax Number: Contact Person: EqniCredit Corporation of America 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 800/759-6380 904/457-4081 Linda Caldwell, ext. 74060 EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may not 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. Page4of6 ",,_.. ~._- '-' '-'~-- 3.' NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is reqUired and mail it to you. Once we have mailed to you the reqUired information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt, and any information obtained will be used for that purpose. LAW OFFICES OF MARKJ. UDREN Isl MarkJ. Udren, EsqUire 1040 N. Kings Highway, Suite 500 Cherry Hill, NJ 08034 (856) 482-6900 PageSof6 "c" ,",_~ "~ .,,'. _. " .....- --,O"-;"" , ~ . j' 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 POSmON 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 LAWSillT INSTITUTED. UNDER THE MORTGAGE DOCUMENTS, . TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. . TO SEEK PR01ECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCmS SERVING YOUR COUNTY CUMBERLAND COUNTY CCCS of We stem Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, P A 171 02 (717) 541-1757 FAX (717) 541-4670 Financial Counseling Services of Franklin 31 West 3rd Street Waynesboro, P A 17268 , (717)762-3285 FAX n/a Urban League of Metropolitan Harrisburg N. 6th Street Harrisburg, P A 171 0 I (717) 234-5925 FAX (717) 234-9459 YWCA of Carlisle.. 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX (717)731-9589 Co=unity Action Co= of the Capital Region 1514 Derry Street Harrisburg, P A 17104 (717) 232-9757 FAX (717) 234-2227 Adams County Housing Authority 139-143 Carlisle St. Gettysburg, P A 17325 (717) 334-1518 FAX (717) 334-8326 Page6of6 J; ,~ ~ ,-1f -- -. - - ~,- I. ,. "--." ,"J"W,i, .",,\,.'" ." . e ~~ .. o~ ~ \), . , - .~ o Q'6' 11)'0 :ll a ! ~i~'l~ I ~ B~ ~" & i ~c: ~li -m o i1 n I bEhO 2000 OES'[ ,,- . '. 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'0 '.' oS o.i" !!,. s:-oiiis. 0. i5" " ., 3 om ~'8: !!1,* s g.~ s: "' , ::. ~!!! 2m (;l~_~e.'Oa ~ : {:.. ~ "';: . ~ " - ~ ~ ( 5. ~" ~* ~'~~~a "n ~ , - $;1Il ..... ;Fg'i3Q, Q -:=: m:if; ffiQ Q N ~ Q ,~ '0 = 3:: ~ ~ >~ Q l!: '."j >< o ~ ~ t\ ~ ~ 1i.-de!:iE E8 l!!" g." Oii;;;" 0:5 0 oQ)c+"_tn tn"'Co~o~ ~.g) ~\3~Q) "'~~"21o. "'C >"'C.c Q) a~i~!ti c"'C~-o.g .. ~iareS,: ..... t5 Q) "g+" i ~'~~~~g ~ =::! h l;!~ Q) ~ Q)l,I..:::I """'.c. ~ "O)~ g,1ij.t: -;; ~ 1i....~,s~o " 'E- e.2 0 ~ (5 <it o.so.. <II .-:. Q.- . . . . ~ \ .; t "':.:-,.::." \, t..... "'_:, t !'~.. \ .., , , "J. . .,- .j'~:':i: \ 1'.-.' r , \ \ t.... "'.,'", ~- ""';':,~" I...... \:-/\.:\-": ;.... \ ~ \ ) i- , , \".' I .. \..,~ ~ , ~- \. ,. \ \- . 1. ". l' '. r \ t I: , t \ \. y" V E RTF I CAT ION Mark J. Udren, Esquire, hereby states that he is the attorney for the Plaintiff, a corporation unless designated otherwise; that he is authorized to take this Verification and does so because of the exigencies regarding this matter, and because Plaintiff must verify much of the information through agents, and because he has personal knowledge of some of the facts averred in the foregoing pleading; and that the statements made in the foregoing pleading are true and correct to the best of his, knowledge, information and belief and the source of his information is public records and reports of Plaintiff's agents. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. ~ Mark J. Udren, ESQUIRE MARK J. UDREN & ASSOCIATES . ,.JI'~"", ~'"~" , ~ I!~~!' . ~ ,....,...."_~., ~ _ 1 ., olIm~- " ," ~ , , ~"'~ ~ ~ .'_~ '~_~"_'I'.='~"'-b~"'~""""h . ,.-.-. -".,. "~'._""... .'litllilli ~ (J -6<1 ig ~ ~ ~ 0 (:) 0 h- e ~Tl 0) s: ?=: -,--I {7 8 -rJC0 ~~72 .t g a q;) rf' Z ::::- 4-:)'; I --, 1m 6"- zc '."0 to (/) 2,: 0". ~~r,~) ~ () I I -"',~ ,~'" ~ t;::c ,) Q~ ~ ~ :i>(") -, tI} -.."'" --a z: ~. ;S::rn 5C' t.,..) ...Q C ~J t -, ~ "-> :r~ ""'-.J ::0 N -< "<-. F' "',~.-. '.-., 1lII~, - -, " ~<_!'" ~~~''f- "",.._~_ ~H~:~"""~~"'"'lJ:F':t"""!";"'Ifl!:'f~'-l1'~>lt\\if~~.fi@l;J'!'i~"i,"'J'!i:'1r;"",,,,-"",,~'~t1i'!f1'Pi!~~~f UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 U.S. Bank National F/K/A First Bank National Association, TR UIA DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) Plaintiff ATTORNEY FOR PLAINTIFF . . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County v. Michael L. Gray Nancy L. Gray . : NO. 01-3500 Civil Term Defendant(s) CERTIFICATE OF SERVICE I, Mark J. Udren, Esquire, hereby certify that I have served true and correct copies of Motion to Make Rule Absolute for the Motion for Reassessment of Damages upon the following person(s) named herein at their last known address or their attorney of record. Regular First Class Mail Certified Mail Other (certificate of mailing) Da te Served: ~ \ CQ\ C)'-l xxxxxx TO: Michael L. Gray 124 Park Avenue Middletown, PA 17057 Nancy L. Gray 1101 Market Street, RM #370 Harrisburg, PA 17103 UDREN LAW By: Mark J. Udren, quire Attorney for Plaintiff .:'!f.l~" .-". .+""".- , .<. .';-,""" . _ .'l._"-,_ "~ \J1fl11!l!!lllJIM ~ .-., .'" .~ ~, ~ ..." ,', -'"-,~ "_0''''.;'.' "~_ """ ,-~~ ."'k'_,.. -~':;"""'-'':k;t.;;'.,. ,~ ,.,-,~~,= - -- '''-'''-2Jh''''''"-~;"-''~''''''-''IT (") ,,~ C..: = 0 = -:J/-fF -=- TI v) --I I~f h'1 :t_ t.? ~v in~.! "TI rn :,(j 0 r ......, ::~~; tt> -~C~~ .7";:'"' 1 '! ~~:.~~' ::?C ,~j~r~ If:~ 2: ~.:'~i ::;;! Q "- '. ::1 Q) .~< ~lf"'I"~Wi@IH\~~N;j)!~.!l!flwt'i~1~'~",~"'J!~~,~J~If,~~..;<;~~~J,_- ~f )J.:~i~L_=_._ ),!~!j!!i UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003 856-669-5400 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) plaintiff v. Michael L. Gray Nancy L. Gray Defendant(s) AND NOW, this o 1~ R D E R SEP 0 7 2004 ~ i~ ATTORNEY FOR PLAINTIFF . . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : NO. 01-3500 Civil Term day of September, after 2004, consideration of Plaintiff's petition for Postponement of Sheriff's Sale of the mortgaged property located at 431 N. 2nd Street Wormleysburg, FA 17043, it is hereby ORDERED that the said Sale currently scheduled for September 8, 2004, is extended three (3) Month(s) to the regularly scheduled Cumberland County Sheriff's Sale scheduled for December 8, 2004. No further advertising or additional notice to lienholders or Defend s) is required. aa ~?, '9' ~S~x., ,D~ ~ .~ J:>f\ JY v '00\. "".. -=~ . '^-~. '- ." ,^ , ~", ," ,~-, .1 I - ,_ T'_, J. Ii -^, ~W"qllo_", ,-, __' u~,.' ".~ "~~~'~",'",~_h"" ,-_. .,-~"-"~~-'~-~"~',"' . ~.. "'"'--~"''''-1k'''urf''ii''::')i~-:.0.' o C <:'- 1?:" ~:=: >t:- .7 :21 -< ,.." = = -""" en rTJ u I --' :l> ::tt' o oJ ::;:! f"n'j22 -" en f!56 ::;:l-ri -'-'J1 Q(') Orn % -< w 0' .. .IlL_, _,~., r".~~[iIf.'jj,1GbN~:;t!f!I~sz:r'Ifi;~<"11f"..'ilW~~1'/:li\~~~$IiJ..",lJi\'~,!,j.~~>Ji!~ _'. ,~1"l!,~f UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003 856-669-5400 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) ATTORNEY FOR PLAINTIFF . . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County Plaintiff :NO. 01-3500 civil Term v. Michael L. Gray Nancy L. Gray Defendant(s) PETITION FOR POSTPONEMENT OF SHERIFF'S SALE Plaintiff, by its counsel, Mark J. Udren, Esquire, petitions the Court for a three (3) month(s) postponement of the Sheriff's sale scheduled in the above captioned matter and in support thereof avers the following: 1. A Sheriff I s sale of the mortgaged property involved herein, located at 431 N. 2nd Street, Wormleysburg, PA 17043 was originally scheduled for June 9, 2004, then postponed to September 8, 2004 to file a Motion to Reassess Damages. 2. A three (3) month(s) postponement of the Sheriff's sale is necessary to allow Plaintiff to receive a the court order to approve the Motion to Reassess Damamges. WHEREFORE, Plaintiff respectfully prays and requests that the Sheriff's sale of the mortgaged property be postponed to the December 8, 2004 Sheriff's sale. ./' / Ma . Ud en, Esquire ~en Law Offices, P.C. v ttorney for Plaintiff ';-'0"" - ~-' ,"'" _"','_'_~'T'_'''r'~_'' '1'.."o--,~ "-"j, ,-J'__'" .,-, ' " UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003 856-669-5400 ATTORNEY FOR PLAINTIFF U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County Plaintiff : NO. 01-3500 Civil Term v. Michael L. Gray Nancy L. Gray Defendant(s) PLAINTIFF'S MEMORANDUM OF LAW Pennsylvania R.C.P. 3129.3(b) allows for one postponement of a Sheriff's sale. In the present matter, the sale has been previously postponed as a result of Plaintiff's inability to serve the Notice of Sale on one of the Defendants. Therefore, in order for the Plaintiff to be able to properly conduct itself at the Sheriff's sale, a three (3) month postponement of the sale is necessary. Pa.R.C.P. 3129.3(a) allows the postponement of the sale more than once, and without new notice, by Special Order of Court. Accordingly, for the reasons hereinabove stated, and as more particularly set forth in the Motion, Plaintiff respectfully requests a three (3) month continuance of the Sheriff's Sale of the mortgaged premises located at 431 N. 2nd 17043, to the December 8, 2004 Sheriff's Street, Wormleysburg, PA quire / .U U ren Law Offices, P.C. .ttorney for Plaintiff sal~. /.. ,/ ,.re' / pitted, 's,,"! ,,";r_, '. ~ ~ < ,-~ -j'- '- ,. ~- e,"_', ,or. r--c .' VERIFICATION Mark J. Udren, ESQUIRE, hereby states that he is the Attorney for the Plaintiff in this action, that he is authorized to take this Verification, and that the statements made in the foregoing petition for postponement of Sheriff's Sale are true and correct to the best of his knowledge, information and belief. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. Sec 4904 relating to unsworn falsification to authorities. squire / / " / .' ./>., ;::;:;~/ ~ar . Udren, Esquire U en Law Offices, P.C. ttorney for Plaintiff I I'-)-p,~ '.,r.', '\'" ", >,'~" _", _'" _ -, ~,-,', , -." -, ~" UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003 856-669-5400 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) ATTORNEY FOR PLAINTIFF . . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County Plaintiff : NO. 01-3500 Civil Term v. Michael L. Gray Nancy L. Gray Defendant(s) CERTIFICATE OF SERVICE I, Mark J. Udren, ESQUIRE, hereby certify that I have served true and correct copies of the attached petition for postponement of Sherriff's sale upon the following person(s) named herein at their last known address or their attorney of record by: xxxx Regular First Class Mail Certified Mail Other Date Served: TO: Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 / / en, Esquire Offices, P.C. for Plaintiff Dale Shughar, r., Esquire Local Counsel \~ ',''''''' u - __." "_"_'j_'___,':' _ --, -""~-,,, ~,='-- " , '-' ". .. "-~ . 0.." e ~ ,~ I'" .,<<,-,,-, "_,,'~n ,'.. -=~ .'~~ ~A .. '. ,,~ 0 ....., 0 = C = ""f1 -,-' ..r- ~r\- {.n -; f71 I::n v rnr- ::::;~ I -am (,f) ~6 ~~f5 -.J ~~ ~1"' "'" (.k; :0 z:::, :;:x .'''0 1,~ j;.t: C)m Z ~ -" N ~J ~t> -< en -< ~ - .", !"",,~~~"'m"f!!n'l.l .,"' ~ JJ'I~. _'^,' ~ ~ftMl'W%!1jlU1'-JmfI."WQ;C~~"~"""'tji<'I"-":i'(!1'!4.,"lO,~~~Ql~~ ~ '" , UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY. I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County v. Michael L. Gray Nancy L. Gray Michael L. Gray Defendant(s) NO. 01-3500 Civil Term CERTIFICATE OF SERVICE I, Mark J. Udren, Esquire, hereby certify that I have served true and correct copies of the Rule to Show Cause with a Rule Returnable Date of August 20, 2004 and a Hearing Date of September 27, 2004 in regards to the Motion for Reassessment of Damages upon the following person(s) named herein at their last known address or their attorney of record. Regular First Class Mail xxxxxx Certified Mail Other (Certificate of mailing) Date Served: <6 \0. \al.\ TO: Michael L. Gray 124 Park Avenue Middletown, PA 17057 Nancy L. Gray 1101 Market Street, Rm #370 Harrisburg, PA 17103 UDREN LAW OFFICES, P.C. BY~ Mark J. Udren, Esquire Attorney for Plaintiff/Movant ~'r;::>,'" ~ '"~", ,,_'~C~';""'''''_'' ~ ~ ~ , , ~, ..'- -' ". .... ,,~ ., /~ (j JUL 23 2G04f UDREN LAW OFFICES, P.c. BY:~J.VDREN,ESQUIRE ATTY. I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY mLL, NJ 08003-3620 856-669-5400 U.S. Bank National FIKIA First Bank National Association, TR UI A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DMSION Cumberland County v. Michael L. Gray Nancy L. Gray NO. 01-3500 Civil Term Defendant(s) RULE TO SHOW CAUSE AND NOW, this ~y Of~, 2004 upon consideration of the foregoing Petition, it is hereby ORDERED-that: I. A Rule is issued upon the Respondent to show cause why the Petitioner is not entitled to relief requested; 2. The Respondent may file an Answer to the Petition on or before 1tr-rt~~()I)c/ 3. The Petition shall be decided under Pennsylvania Rille of Civil Procedure 206.7; 4. Depositions shall be completed withiJ1~daYS of the date of this Order; 5. Argument shall be held on )~ ~? ,20tJ" , in ~ ". .----- Q-oO" AA Courtroom ~ , of the Cumberland County Courthouse; and......' t. .......,. 6. Notice of the entry of this Order shall be provided to all parties by the Petitioner. J. ,:j;.",,~,,-,-~ ", ":,,,.^,. :-d -, ',",,;", '-'. - ,,-,-~- - , - =--, ~ ",- I' ~' ~""" "~,.=-~"~- ~ - 0 ..., 0 = c: "'" ." ~;:;~ .r.- l,~ "l':}(},J :ao ~ nlfTl c:: ('11 :n :;::::::C ", -uhi ~7C I to 9f', ::r;9 .;::- 60 e"'~j ::;:i )>c -0 53 z~ ::x -70 ,...- (" ~ c5iTI J'. C:: ._.t Z ~ ::2 0 -: 1- -, ",,,,.ij!ll;ft'lJIl'IlO ~__ ~r:~ ~ ., _= ~l!I ,__~';re"F\"M.,iOC-,"""~-{'H";~w~i "-''''4';f",'w,,,,r!ftl1!",-'l,;,,'@'i>@!~ffHjNjl~1<W'~OM'i'ilR!'fiTI,q~'ff4l~~m~'' . e JUN 08 20041 NARK J. UDREN &\ ASSOCIATES BY: ~ark J. Udren, Esquire ATTY I.D. NO. 04302 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003 856-669-5400 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-0~-14 Jacksonville, FL 32256 Plaintiff ATTORNEY FOR PLAINTIFF . : COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County ; NO. 01-3500 Civil Term v. Michael L. Gray Nancy L. Gray Defendant(s) AND NOW, this ~~ ORDER day of June, 2004, after consideration of Plaintiff's Petition for Postponement of Sheriff's Sale of the mortgaged property located at 431 N. 2nd Street, wormleysburg, PA 17043, it is hereby ORDERED that the said Sale currently scheduled for June 9, 2004, is e:x:tended (3) 'three Month(s) to the regularly scheduled Cumberland County Sheriff's Sale scheduled for September 8, 2004. No further advertising or additional notice to lienholders or Defendant(s) is required. BY J. '"'-:'" .,. ,. . -,~ ,. ".-' ~---, " ~.ilIl~~~~;ll;)f~li\!t~J"'" ":&!~)f&~~i\'J:-.!."'elli.j\''!--<t\t;1:'~fi&clW-.;)~-'lI;':;';''~';'' r.Jl11' ~LJi1ilr ~1 1 il"/--""''''''" ~ 0 'I ..'r-i'''''\: , '"'I' "D..Orriv.. '-'QV I t.C- " ,,,,"rL\(\'\'JtJ \ I'~ . , _ m1'~ PA)i\ l....) \~~ OL ", ". r . l._ )"] '}'. I, \ ~ \ .\.', ..' ., nn" II :1"\ - '0 luu~ .;"" ,", \' "\'1 ,: : _,)- i\, . 01. \~\,:_",:~...",', ,J-':-,U :j~': \",;\...A1jO!-):.. ,;-''';\J'I\!I-J\\;!~ Ft.\"'i-"';_::::'l _-!i "" ~ f'> - Copy 9"Vev..) -/0 Mv ;i/})~C)(:.s Co?! I'Ytdl&cC -10 JJ~+:tJ ':::Dv; . ~l.J~iU ..L!IJl..*,..,*,,,.,~. . -, ",", .~'_"",,_",., .'.,""",,,," ",,",,,_, ."/_'''''''''",'~~' _,,~ _~_ ,k }__"",_ " _ .' , !ill MARl<: J. UDREN & ASSOCIATES BY: -Mark J. Udren, .Eaquire ATTY I.D. NO. 04302 ~~1 WOODCREST ROAD, SUITE 200 CHERRY HI~L, NJ 08003 856-669-5400 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Hom~ Equity Loan Trus't 1998-1) plaintiff ATTO~EY fOR PLA~NTIFF . : COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County :NO. 01-3500 Civil Term v. Michael L. Gray Nancy L. Gray Defendant(s) PETITION FOR POSTPONEMENT OF SHERIFE"S SALE Plain'tiff, by its counsel, Mark J. Udren, Esquire, petitions the Court for a (3) three month(s) postponement of the Sheriff's sale scheduled in the above captioned matter and in support thereof avers the following: 1. . A Sheriff I s sale of the mortgaged property involved herein, located at 431 N. 2nd Street, Wormleysburg, PA 17043 was originally SCheduled for March 3, 2004, then postponed to June 9, 2004, due to the Plaintiff's request to reassess damages. 2. The Plaintiff seeks the postponement of the Sheriff's sale (3) three months to obtain a reassessment of damages. WHEREFORE, Plain'tiff respectfully prays and requests that.'the sheriff's sale of the mortgaged property be postPonecJ./'t'~ the September 8, 2004, Sheriff's sale. /~t:/,-/ / Respect~ll~/:S itted, " /)<1 , // / I~</ M,ai"'J9><t. (trdren, Esquire Ud~ffi, Law Offices, P.C. /Atit~rney for Plaintiff , {~. '~"'>' ~'''''o' "t"?'on. '_ ,1_' to '_-_>'. '-'" '" ,,~ ". .,. , 1"- 'co . MARK J. UDRBN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY LD. NO. 04302 ~11 WOODCRBST ROAP, SUITE 200 CHERRY HILL, NJ 08003 856-669-5400 U.S. Bank National F/K/A FiJ::"st Bank National Association, TR U/A DTD 5/1/98 (~QCC Home Equity Loan Trust 1998"1) ATTOaNEY FOR PLAINTIFF - . COURT OF COMMON PLEAS : CIVIL DIVISrON : Cumberland County Plaintiff : NO. 01-3500 Civil Term . .' v. Michael L. Gray Nancy L. Gray Defendant(s) PLAINTIFF'S MEMORANDUM OF LAW Pennsylvania R.C.P. 3129.3(b) allows for one postponement of a Sheriff I S sale. In the present matter t the sale has been previously postponed due to the plaintiff's request to reassess damages. Therefore, in order for the Plaintiff to be able to properly conduct itself at the Sheriff's sale, a (3) three month postponement of the sale is necessary. Pa.R.C.P. 3129.3(a) allows ths pos'cponement of the .sale more than once, and without new notice, by Special Order of Court. Accordingly, for the reasons hereinabove stated, and as more paJ::"ticularly set forth in the Mo,tion, Plaintiff respectfully requests a (3) three month continuance of the Sheriff's Sale of the .' mortgaged premises located at 431 N. 2nd Street, Wormle~bu;r'g, FA . ,/ 17043, to the September 8, 2004, Sheriff's 5ale~. ~ . . . g. / ~/ / f,~//, d Respect W.v", ;$; m~ t te , :J/ // By: // Y Marhp~' Udren, Esquire Ua ~n Law Offices, P.C. iTTORNEY FOR PLAINTIFF ~ Hami to C. Davis, Esquire Local Counsel J'I'.-"""'1 _, -,-",y, CO _~ -' , . -',?,'~ .' -, --, ,-.". VERIFICATION Mark J. Udren, ESQUIRE, hereby sta'l:es that he is the Attorney for the Plaintiff in this action, that he is authorized to take this Verification, and that the statements made in the foregoing Petition for postponement of Sheriff's Sale are true and correct to the best of his knowledge, information and belief. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. See 4904 relating to unswOrn falsification to authorities. , Esquire '7 ,/ //// /{/;./j/ / / / / / /./ ///. / 0' / /;/ / .' I . " /'.'> // ./ - . '. ' ,/ ~;rk~ ,;f./tJdren, ESQUIRE ,,::t*eri-<Law Offices, P.C. /'ATTORNEY FOR PLAINTIFF Date: June 8, 2004 Local 90 'd L0088Gv998 'ON X~j '0 'd '580!110 MEl U8JpO W~ tV:!! 301 vOOG-80-NOr "i_'i, ~ ~,=. " ~', ~ '1 ":' ' -~'" ~ ,j;"'.,,.- , "",-, < . MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003 856-669-5400 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) ATTORNEY FOR PLAINTIFF . COURT OF C.oMMON PLEAS : CIVIL DIVISION : Cumberland County Plaintiff :. NO. 01-3500 Civil Term v. Michael L. Gray Namcy L. Gray Defendant(s) CERTIFICATE OF SERVICE I, Mark J. Udren, ESQUIRE, hereby certify that I have served true and correct copies of the attached petition for postponement of Sherriff's sale upon the fpl10wing person(s) named herein at their last known address or their attorney of record by: xxxx Regular First Class Mail Certified Mail Other Date Served: June 8, 2004 " Nancy L. Gray C/O YMCA 1101 Market Street, Room #.370 Harrisburg, PA 17103 // ~...;/ / /j / UDREN LAW/ fFt~CES{ P. C. //// /' /, / / . //./,1 " /// / / /// / / /~ /./,' ,,I Ma.f-;K/J //. trdren, Esquire I // /~ /At;;:torney for Plaintiff TO: Michael L. Gray 124 Park Drive Middletown, PA 17057 , EsqUire / 90 'd LOOSSev99S 'ON X~j 'J'd 'S80!JJO M"l U8Jpn IIU Eh',!! NY v 3nl POOe-SO-NOr. , "~ _,_._"r.,-,,'_'" ~_, _. _ e",,~< " ," .,-. "1 ,.. ,.=' MARK J. UDREN &: ASSOCIATES BY: Mark J. Udren, Eaquire ATTY I.D. NO. 04302 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ. 08003 856-669-5400 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) ATTORNEY FOR PLAINTIFF : COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County Plaintiff :NO. 01-3500 civil Term v. Michael L. Gray Nancy L. Gray Defendant(s) CERTIFICATE OF SERVICE I, Mark J. Udren, ESQUIRE, hereby certify that I have sek~ed true and correct copies of the attached petition for postponement of Sherriff's sale upon the following person(s) named herein at their last known address or their attorney of record by, xxxx Regular First Class Mail Certified Mail Other Date Served: June 8, 2004 (' Nancy L. Gray CIO YMCA 1101 Market Street, Room #.3.7'0 Harrisburg, ^p~;;?/// UDREN LAW/fF$:1CES{ P.C. "... / /' P:// / / /// / / //.,/,., ,/'- . _.r j M,a~~/J /U"dren, Esquire ...Aqtor y for Plaintiff ~;/ TO: Michael L. Gray 124 Park Drive Middletown, FA 17057 . Esquire if,.,_~_o",_ -',"-~~'''lC'[''''''''r_''-'C__ C"', ,~_ ,?~~__ '~d' _~"_ , .~ , ~ - -'I c- ',,,"' - UDREN LA W OFFICES, P.e. 111 WOODCIlEST ROAD, SUITE 2110 CHERRY["LLNEWJERSEY~O~ 856. 669. 5400 FAX: 856. 669.5399 MARK J. {fDIIEN' STUART WfNIVEG" GAYL ;SPWAK ORLOFF'" IIEIDI II. SPIV AX'" ClffUSTOPHER .T. FOX'" :~:f!i:#R,f(t;t"" J.'/. -",AbIllITTlJ.DNJ,P.A TINA MAlUE RiCH OPPles AD/trINI.r;'l'lUTDR FRED.DIE MAC PENNSYLVANIA DESIGNATED COUNSEL PENNi~VAN/A OFFICE 215-56 . . 00 215-568'1Nl FAX PLEASE RESPOND TO New JERSey OFF/CE June 8, 2004 Michael L. Gray 124 Park Drive Middletown,PA 17057 Nancy .L. Gray C/O YMCA 1101 .Market Street, Room #370 Harrisburg, PA 17103 Re: U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Horne Equity Loan Trust 1998-1) vs. Michael L. Gray and Nancy L. Gray Cumberland Count.y C.C.P. No. 01-3500 civil Term Dear Defendant(s) : Please find enclosed a true and correct copy of the Plaintiff's Petition for PostPonement of Sheriff's Sale. Brief In Support and Certificate of service with regard to the above captioned matter. the originals of which have been sent for filing with, and presentation to, the Court. Please refer to the Cumberland County Local Rules of Court which set forth your rights and responsibilities herein. TRIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMA'l'ION OBTAINED WILL BE USED FOR 'l'HAT.l?URPOSE. ./ Sincerely, d/..--? of // UDREN LAW. ~~;{ P. C. >'// / ,.-;'1,/ / ..- //'~/ // /' By: .;/ / / Mar~~~ UdTsn, Esquire Atyoiney fpr Plaintiff/Movant /jjh Enclosure '" O.!/ ~ '~,,~ ~u rz.." t9 .v_,_ -~.~-.~ ~. ~" ",'.- .-~ ~<'-"""r-"'^ -~o' "-~' ~>"= ""m~~"~"-',,,, ~c. Q ~~;; ~""-- '''''",-",-''''~ "'^"'^" ,"-. ....., = "" ..<cO (_.~ c:::: 2:': o "'11 --l -T" .."'--t'\ n'r-- :Q~ "~I ~... ,...... i '-~ (--, ------c ~-- -,-r, ~~~ I 021 -0 t:? d', .~ ~- -~ T,. 1'Tl!lmJ5II!'~~~lPj*'~'~~*","l~""m,,,~~~-j;egi!l"J,'itj"~"?f-r;r"""1!'Wi1'l1i!'WiJ~!>fWiHl;~~jJ~~,,,,,,'i\1!""~"'",,';'r">I!t"~!~llI'$__,~ _~],~ (j ~UL 2 3 2G04 f UDREN LAW OFFICES, P.C. BY: MARK J. UDREN, ESQUIRE ATTY. I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY IDLL, NJ 08003~3620 856-669-5400 U.S. Bank National FIKJA First Bank National Association, TR UIA DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DMSION Cumberland County v. Michael L. Gray Nancy L. Gray NO. 01-3500 Civil Term Defendant(s) RULE TO SHOW CAUSE AND NOW, this .)f.~y Of~, 2004 upon consideration ofthe foregoing Petition, it is hereby ORDERED that: I. A Rule is issued upon the Respondent to show cause why the Petitioner is not entitled to relief requested; 2. The Respondent may file an Answer to the Petition on or before fr.rt ~/?DIi t./ 3. The Petition shall be decided under Pennsylvania Rule of Civil Procedure 206.7; 4. Depositions shall be completed withiIi"'~days of the date ofthis Order; 5. Argument shall be held on )~ tJ.? ,2001/ ,in ,.. "' --c:::=r Q'uQ A "" Courtroom..s , of the Cumberland County Courthouse; and ,. " 6. Notice of the entry of this Order shall be provided to all parties by the Petitioner. 1. ,'Ii"l '~"~"'-~'__l, _',."J. ,. ",~_" V."_ ~J_l . . ~~~!~*~@6.<lli!!t\f~i!~~W:_,1W!'l>,,~:'~B'{!f.i,,~<fiW\1ff4"i&'M@jg,",,~i.'!!t4--""'" , l,,,~ ~ ~ 0_"_ d_ O~.., ," OIli!ill2HlM"""'-'''''''''--. ..""" iilllUJ hi :,,1 '. [:1 i;~ !\i ('t'r\CI\:. .~l\,-;N >,\\.0)- "':\"()\'~() \ n. ' . Op(\\,' ..n,.Jr: \ ,\.y n O'f \'. ,\, \'. S4 ..,'\ ?\\ \\\I\...l.. 1~~" "u ~:: t:1 ii! \1 1; !~ 'I II ,I~ Ii! !ii '" !l l:i ,..."t';,,,:\ V'-'" , ",-, ",,\\,0.\; ,\\,:,;\,;:)~Gj:~~~~\ y\' - ~ ~,~ r. UDREN LAW OFFICES, P.c. BY: MARK J. UDREN, ESQUIRE ATTY. I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 U.S. Bank National FIKlA First Bank National Association, TR U/A DTD 511198 (EQCC Home Equity Loan Trust 1998-1) Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County v. Michael L. Gray Nancy L. Gray NO. 01-3500 Civil Term Defendant(s) ORDER AND NOW, this day of ,20 , Upon consideration of Plaintiff's Motion for Reassessment of Damages, and any response thereto, the Prothonotary is ORDERED to reassess the damages, in the amount of $108,739.26 as more particularly set forth below: Principal of Debt Due and Unpaid $65,390.48 Interest pursuant to the MortgagelNote from 8/5100 to 7/14/04 at 10.5% (the per diem interest accruing on this debt is $18.28) $24,923.75 Escrow OverdraftlBalance (Taxes/Insurance )(Pursuant to the Mortgage) $5,369.18 Late Charges (Monthly late charges of $33.26 should be added in accordance with the terms of the Note each month after 7/14/04) $863.27 Interest on Advances $1,322.08 Prior Interest on Advances $302.09 Broker's Price Opinion $1,563.32 Property Preservation $720.00 ~- , "', ':"';", .-"-",,<<"-,,-},,{,,^,, ". "\. ,"'-;- - - ~. Property Inspections Foreclosure Costs to Date (Allowable pursuant to the Mortgage, including Title Report, Complaint Filing Fee, Service of Pleadings Fee, Listing for Sheriff s Sale, etc.) Reasonable Attorney Fees (5% of principal balance of $65,390.48, pursuant to the Mortgage) TOTAL l~>::l~ - ~e"_ _'"."':"'",:\',oc,__ -J'f'>.! _, ,~"o .. .^..'T:,"1'. ".'C $287.05 $4,728.52 $3,269.52 $108,739.26 BY THE COURT: J. ..,. .'" " NOTICE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR AND TillS IS AN ATTEMPT TO COLLECT A DEBT OWED BY YOU. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. UDREN LAW OFFICES, P.C. Isl Mark J. Udren, Esquire Woodcrest Corporate Center 111 Woodcrest Road, Suite 200 Cherry Hill, NJ 08003-3620 (856) 669-5400 """",,,., ":" - ., 0:"""" ,,~-,,> ,>'''",r nO ,"' '! " - ro, ,_~_ . ~" ", ~_.,.. > - f _, , , ,. ~~ UDREN LAW OFFICES, P.C. BY:~J.UDREN,ESQUIRE ATTY.. I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 U.S. Bank National FIKJA First Bank National Association, TR utA DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County v. Michael L. Gray Nancy L. Gray NO. 01-3500 CivilTerm Defendant( s) MOTION FOR REASSESSMENT OF DAMAGES Plaintiff, U.S. Bank National FIKIA First Bank National Association, TR UI A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1), by its Attomey, Mark J. Udren, Esquire, moves the Court to direct the Prothonotary to reassess the damages in this matter and in support thereof avers the following: 1. This is an action in mortgage foreclosure in which Plaintiff entered judgment against the Defendant(s) in the amount of$77,422.57, on October 18, 2001. A true and correct copy of the Praecipe for Judgment is attached hereto as Exhibit "A". 2. Plaintiff has paid outstanding taxes and/or insurance for the mortgaged premises. 3. The mortgaged premises is currently scheduled for the June 9, 2004 Sheriff's Sale. 4. Subsequent to the entry of judgment , additional sums have been incurred or expended on Defendants(s)' behalf during the time the sale was postponed or stayed, or while the sale was pendiog, which sums include, but are not limited to, taxes, insurance and ongoing per diem interest, and Defendant(s) have been given credit for any payments that have been made since the judgment, if any. The amount of damages should now read as follows: Principal of Debt Due and Unpaid $65,390.48 Interest pursuant to the MortgagelNote from 8/500 to 7/14/04 at 10.5% (the per diem interest accruing on this debt is $18.28) $24,923.75 Escrow OverdraftlBalance (Taxes/Insurance )(Pursuant to the Mortgage) $5,369.18 Late Charges (Monthly late charges of$33.26 should be added in accordance with the terms of the Note each month after 7/14/04) $863.27 Interest on Advances $1,322.08 Prior Interest on Advances $302.09 Broker's Price Opinion $1,563.32 Property Preservation $720.00 Property Inspections $287.05 Foreclosure Costs to Date (Allowable pursuant to the Mortgage, including Title Report, Complaint Filing Fee, Service of Pleadings Fee, Listing for Sheriff s Sale, etc.) $4,728.52 Reasonable Attorneys Fees (5% of principal balance of $65,390.48, pursuant to the Mortgage) $3.269.52 TOTAL $108,739.26 5. Under the terms of the Mortgage, Plaintiff is entitled to inclusion of the amounts set forth in paragraph 4 as part of the judgment, and accordingly, attached hereto as Exhibits "B" and "C", are the Mortgage and Note, allowing Mortgagee to charge Mortgagor(s) the amount set forth herein, including, inter alia, attorney fees, costs of suit, and authorizing Mortgagee to place insurance if Mortgagor( s) fail to do so. The pertinent paragraphs of the Mortgage and Note are highlighted. WHEREFORE, Plaintiff prays and respectfully requests that the Honorable Court grant its Motion and allow the damages to be reassessed, in rem, in the amount of$I08,739.26, as set forth hereinabove. Respectfully submitted, UDRENLAWOF ICE ,P.C. BY: Mark J. Ddren, Esq ire Attorney for Plaintiff ~7';~~ . '~.""""'r"~~,i',,",",>"-"'-~-'~--- ,- ". '_." " _ ~ "" UDREN LAW OFFICES, P.C. BY:~J.UDREN,ESQUIRE ATTY. I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 U.S. Bank National FIKIA First Bank National Association, TR VIA DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CML DMSION Cumberland County v. Michael L. Gray Nancy L. Gray NO. 01-3500 Civil Term Defendant(s) PLAINTIFF'S MEMORANDUM OF LAW IN SUPPORT OF ITS MOTION FOR REASSESSMENT OF DAMAGES As a result of the passage of time, Plaintiff has requested adjustment of the in rem Judgment as set forth in its Motion to properly reflect the swns now due Plaintiff. Those swns reflect additional interest, late charges, escrow deficit (which may reflect insurance payments and taxes paid), and additional costs of suit, all of which are authorized by the loan docwnents, true and correct copies of which are attached to the Motion. It has been held that Judgments bear interest from the time obtained or until, at least, time of sale or until satisfaction can be made. Interest is a legal incident of every judgment. Koolvent AluminwnAwning Co vs. CitvofPittsburgh, 192 Pa. Super. 650-653, 162 A. 2d. 256, 257 (1960). A contract rate for post-judgment rate above the so-called statutory rate of 6% per annwn is allowable. Sicari v. Baruam. 43 D & C.3d 647 (1986). With regard to the pre-judgment and post-judgment interest being claimed herein, Plaintiff is charging the contract rate of interest per the terms of the Mortgage and Note documents. See. Exhibits "B" (Mortgage) and "c" (Note) attached hereto. The pertinent paragraphs of the Mortgage and Note are higWighted. Escrow overdraft (property taxes and property insurance), property inspection (the protection of the secured interest of the Plaintiff by a checking of the Property to make sure it is not vacant, and if vacant, has not been broken into) and Foreclosure Costs are allowable pursuant to the terms of the Mortgage and Note as highlighted. Reasonable attorney fees with regard to a collection action in mortgage foreclosure are allowable pursuant to paragraph 21 of the Mortgage. The Pennsylvania Courts have concluded that as much as 5% or even 10% of the principal balance can be reasonable in the calculation of attorney's fees, and that amount is enforceable. See, Federal National Mortgage Association v. U.s.A.. 33 Pa. Super. D. & C. 3d 152, 156 (1982); Federal Land Bank of Baltimore v. Fetner, 269 Pa, Super. 455, 410 A. 2d 344 (1979). Under the circumstances in this case, considering the additional efforts Plaintiff has been forced to pursue to recover what is due, the attomey's fees recited herein are reasonable. Therefore, Plaintiff prays and respectfully requests that the Honorable Court grant its Motion and allow the damages to be reassessed in the amount of$108,739.26, as set forth hereinabove. Respectfully submitted, UDREN LAW OF ICE By: Mark J. Udren, Es uire Attorney for Plaintiff MARK J. UDREN &: ASSOCIATES BY: Ma~k J. Udren, Esquire ATTYI.V. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL,NJ 08034 856-48~~6900' U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1)10401 Deerwood Park Blvd. MC FL9~015-02-14 Jacksonville, FL 32256 Plaintiff v. ATTORNEY FOR PLAINTIFF . . COURT OF COMMON : CIVIL DIVISION : Cumberland County @@/l}J PLEAS ' ~ ~ : MORTGAGE FORECLOSURE Michael L. Gray Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Defendant(s) PRAECIPE FOR ANSWER AND . . NO. 01-3500 Civil Term . JUDGMENT FOR FAILURE TO ASSESSMENT OF DAMAGES it () 0 0 C "n s: CD --, -OW (""') -='::=.-r'l mrn -I - 1 :-::.~';. z;:o hI zr;: co Q ~"'S:; _. () \<0 """ " ~n :::!l: ?lj :;~ C 4C) - ! co t~rn Pc: Z 55 =<! r'V -< TO THE PROTHONOTARY: , Kindly enter judgment in favor of the Plaintiff and ,against the Defendant (s) for failure to file an Answer to Plaintiff's Complaint within 20 days from service thereof and for foreclosure and sale of the mortgaged premises, and assess Plaintiff's damages as follows: As set forth in Complaint Interest Per Complaint From 6/2/01 to 10/2/01 Late charges per Complaint From 6/2/01 to 10/2/01 Escrow payment per Complaint From N/A to N/A $75,041.09 2,248.44 133.04 " J1 TOTAL 577.422 '57 I hereby certify that (1) the addresses of the Plaintiff and Defendant are as 'shown above, and (2) that notice has been given in accordance with,Rule 237.1, a copy of which is attached hereto. &: ASSOCIATES M rk J. Ud ESQUIRE Attorney for Plaintiff DAMAGES ARE HEREBY ASSESSED AS INDICATED (J ~/J-:i;. ) PRO PROTHY ~.4~~ EXHIBIT A DATE:(ld lIP! d.t':n{ ,~!-,.,.,..."." o _,~" ". =..- . "" 0?" i- Record $' letU!" to: EquICl'ttl:;. Central ?rocessing 10401 tJ~4rwood-Park Blvd. JBck.onviile. Fl 32256 .. :'.G~r:Rj P. ZlEGLEH ",C;0!'DEH OF DEEDS ';l'/.\BERLAND COUNTY-PA '98 JAil. Z AI'111 ~8 (Soace Above This Line For Recordine: Data) Loan Number:"l'5B'7ll0l'T!J' MORTGAGE L--- TIllS MORTGAGE ("Security Instrument") is given on December 29. 1997 The mortgagor is MICHAEL L ORA Y AND NANCY L GRAy HIS WiFE ("Borrower"). This Security Instrument is given to EouiCredit Corooration of Pa. which is organized ."nd existing under the laws of Pennsylvania . and whose address is 600 North Third Street Harrisb'Jro. Pennsvlvania 17101 (Lender"). Borrower owes Lender the principal sum-'of SIXTY'-EIGHT THOUSAND SEVEN HUNDRED Dollars (U.S. $ 68.700.00 . ). This debt is evidenced by Borrower's note dated the same date as this Security Instrument''('-''NoteU),;Whicb.ptmiides-fOI montbly payments, with 1.l1e fuU debt, if not paid earlier, due and payable on _ Januan :5.. : 201S. . This. security Instrument secures Lo Lender: (a) lite repaymenL of the debt evidenced by tbe Note, willi interesL, mid all renewals, exLel~ions and modificatiol1S~ (b) the payment of all otli.~r. ~nS, WiUl iutciest, advanced under paq.,gmph 710 protect the. securiLy of-this Security InsLrument,; and (c) the performance of Borrower's 'Covenants and agreement's under this '.Secl.lfity Instrument and Ole Note. For this purpose, Borrower does he~by mortgage, grant and convey Lo Lender the following described properly located in CUMBE-RLAND County. Pennsylvania: SEE EXHIBIT "A" HERETO ATTACHED AND BY TillS REFERENCE MADE A PART HEREOF ~ which has the address of A~1 N 2ND STREET WORMLEYSRIIRG PA 17043 [Street, CiLy, Slate, Zip Code] ("Property Address"); TOGETHER with al1 the improvements now or hereafter erected on the properly, and all easements, rights, appurLenances, and all fixtures now or hereafter a part ofLhe properly. All replacements and additions shall also be covered by titis Security Instrument. All of tile foregoing is referred La in Uris Security InstnnnellL as tile "Property." BORROWER COVENANTS tlmt Borrower is Iflwrully seised of the estaLe hereby conveyed and has the righL to mortgage, grunt and convey Ute Properly and Umt lhe Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend gencrnily the tHle to the Property against all claims and demands, subject to encumbrances of record. ',. THIS SECURITY INSTRUMENT combines uniform covenanLs for national use and non-uniform covenants WiUI limited variations by jurisdiction Lo constituLe a uniform security insLrument covering real property. UNIFORM COVENANTS. Borrower and Lender cove113nt and agree as follows: 1. Payment of Princillal and Interest; Prqlayment and Late. Cllarges. Borrower shall promptly pay when due the principal of and int~rest on the debt evidenced by the NoLe and any prepayment and lale charges due under the Note. Form #478 P A First Mortgages (5/97) BooK1424 PAor1007 Page 1 of6 ;"^.~c,',. . .\" l' ~ ~f "-" . ., .'.',. , EXHIBIT B _:'"~'--""""-"''''';'''':'''''' . ..'~ "..,'.... -2- ,. ~_ 2 Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower sfutll pay to .Lender on the day monthly payments are due under tbe ~ote, unt.ilthe Note is paid in. full. a sum C'~") for: (n) yearly taxes and assessments which may attain priority over tins Secunty Instrument as a ~len on the Pro~erty: (b) yearly leasehold payments or ground rents on the Property, if any; (c) year~y baz~rd of property msurance prenuums, (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premIUms, If any; and (t) any ~ms payable by. Borrower to Lender, in accordnnce with the provisions of paragraph. 8, in lieu of the payment of mort~ge msurance premiums. These items are called "Escrow Items." Lender may, at any time,_ collect and hold Funds 10 an amonnt not to exceed tlu; maximum amount a lender for a federally related mortgage loan may required for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of 1974 as amended from time to time, 12 U..S.C. 2601 et seq. ("RESPA':>, unless another law tbat applies to the Funds sets a lesser amount. If so, Lender may. at any time, coll~ and bold Funds 10 an amount not to exceed the lesser amount. Lender may estimate the amount of Funds due on the basts of current data and reasonable estimates of expenditures of future Escrow Items or othenvise in accordance with applic~ble law.. . The Funds shall be held in an institution whose deposits are insured by a federal agency, mstrnmentallty, or entity (including Lender, if Lender is such an institution) or in any Federal Home Loan Bank. Lender shall appl~ the Funds to pay the Escrow Items. Lender may not charge Borrower for holding and ~pplying the Funds, annually an.a1yzmg the escr~w account, or verifying the Escrow Items, unless Lender pays Borrower mlerest on tIle .Funds and apph~le law penmts Lender to make such a charge. However, Lender may require Borrower to pay a one-lime charge ~or an md~ndent real estate tax reporting service used by Lender in connection with this I~an, unless applicable law p~ovldes otherwise. Unless an agreement js made 0" applicable law requires interest to be paId, Lender shall nOl be reqUired to pay Borr~r any interest or earnings on the Funds. Borrower and Lender may agree in writing, however, that interest shall be ~ on the Funds, Lender shall give to Borrower, without charge, an annual accounting of the Funds, showing credits and debits to the Funds and th~ purpose for which each debit to the Funds was made. The Funds are pledged as additional security for all sums secured by tltis Security Instrument. If the Funds held by Lender exceed the amounts pennitted to be held by applicable law, Lender shall account to Borrower for Ule excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lender at any time is not sufficient to pay (he Escrow Iteins when due, Lender may so notify Borrower in writing, and, in such case Borrower shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in nO more than twelve monthly payments, at Lender's sole discretion. Upon payment in full of all sums secured by this Security Instrument. Lender shall promptly refund to' Borrower any Funds held by Lender. If, under paragraph 21, Lender shall acquire or sell the Property, Lender, prior to the acquisition or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by this Security Instrument. 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender under paragraphs I and 2 slmll be applied: firsL, to any prep~yment charges due under the Note; second, to amounts payable under paragrdph 2; third, to interest due; fourth, 10 principal due; and -last, .to any late charges due under the Note. 4. Charges; -Liens. Bonower shan pny all taxes, assesSments, charges, fines and impositions attribulable to the Property ("Property Taxes") which may auain priority over this Security. Instrument, and leasehold paymenls or ground rents, if any. Borrower shall pay these obligations in the manner provided in paragraph 2, or if not paid in. that .manner, Borrower shall pay them on time directly to (he person owed payment. Borrower shall promptly furnish to Lender aU notices of amounts to-be paid under this paragraph. If Borrower makes these payments directly, 'Borrower shall promptly furnish to Lender receipts evidencing Ule payments. In the event Borrower fails to pay any due and payable Property Taxes, Lender may, in its sole discretion, pay such charges and add the amounls thereof to the principal amount of the loan secured by the Security Instrument on which interesL shall accrue allhe contmct rate set forth in the Note. Borrower .shall promptly discharge any lien which has priority over "this Security Instrument unless Borrower: (a) agrees in writing to the payment oCthe obligation secured by the lien in a manner acceptable to Lender. (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the ,~n(orcemenl of tIle lien or forfeiture of any part of the Property; or (c) secures from the holder of the lien an agreement !iatisfnctmy t~-.J;end~r subordinating the lien to this Security Instrument. If Lender detennines that any part of the Property is subject to a Hen which may aUain prioriLy'over this Security Instrument, Lender may give Borrower a notice identifying the lien. Borrower shall Slllisfy the lien or take one or more of tile actions set forth above within 10 days of the giving of notice:. s. Ha1:ard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards 'included within the tenn "extended coverage", and any other hazards, including noods or flooding, for which Lender requires insumnce. This insurance shall be maintained in the amounts and for lhe periods lhnt Lender requires. The insurance carrier providing the insurance shall be cltosen by Borrower subject to Lender's approV'.l1 which shall 1I0t be unreasonably withheld. In the event Borrower fails to maintain hazard insurnnce (including any required flood insunmce) in an amount sufficient to satisfY all indebtedness, fees, and charges owed Lender (in llddilion to payment of all liens and charges which mny have priority over Lender's interest in the property). Lender may, ill its sole discretion, obtain such insQmnce naming Lender as the sole beneficiary (single interest coverage). Lender may add any premiums paid for such insurance to the principal amount of the loan secured by this Security Instrument on which interest shall accrue ~t the contract rate set forth in the Note. If Borrower fails to maintain Coverage described above, Lender may, at Lender's optIOn, obtain .coverage to protect Lender's rights in the Property in accordance with paragraph 7. All insurance policies and renewals shall he acceptable to Lender and shall include a slandard mortgage clause. Lender ,shall hav~ the ri~htto hold the polici~ and renewals. If Lender requires, Borrower shall promptly give to Lender all recclpts of p/nd preUlIums and renewal notIces. In the event of loss, Borrower shall give prompt notice to the insurance currier .md Lender. Lender may make proof of loss if not Illude promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Prope.rty dnmaged, if the restoration or repair is economically feasible and Lender's security is not lessened. Inhe restoration or repair is not economically feasible or Lender's security would be lessened, the: insurance proceeds shall be applied to the sUlns secured by this Security Instrument, whether or nol then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender tliat the insurance. carrier has aITered to sellle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds io repair or restore the Property ,or ~o P:lY sums secured by this Security Instrument, whether or not then due. The 30-day period will begin when the notice IS gIVen. Form #478 PA(5191) '~:;i\.OOKH24rAdOO8 Page 2 of6 i","_;_. ''; .'.-". '.&'" 1-) EXHIBIT B - '.' \,.;-/ .. .. - 3- Unless Lender and Borrower otherWise agree in writing, any application of pr()Ceeds to principal shan not extend or postpone_the due date of the monthly payments referred to in paragraphs 1 and 2 or change lhe 8mount of the payments,. If under paragraph 21 the Property ,is acquired by Lender, Borrower's rights to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition sbnU pass to Lender to the extent of the sums secured by thiS Security Instrument immediately prior to the acquisition. , ". 6. OcculJancy, Preservation, Maintenance nod Protection of the Property; Borrower's LoaD. Application Leaseholds. Borrower shan occupy, establish, and use the Property as Bonower's principal residence wiU\in sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after Ute date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumslances exist which are beyond Borrowers control. Borrower shall not destroy, damage Of impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun tIlat in Lender's good faitIl judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security lnslrument or Lender's security interest Borrower may cure sucb a default and reinstate, as provided in paragraph 18, by causing tIle aclion or proceeding to be dismissed with a ruling tItat, in Lender's good faith determination, precludes forfeiture of tIIC Borrower's interest in the Property or other material impairment of tile lien crealed by this Security lnslrument or Lender's security interest. Borrower shall be in defaull if Borrower, during tbe loan application process, gave materially false or inaccurate infonnation or statements to Lender (or failed to provide Lender witIl any material information) in connection WiOI tIle loan evidenced by the Note, induding, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence. If Olis Security Instrument is on a leasehold, Borrower sball compJy witit all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 7. Pl"Otection or Lcndcr's Rights in thc PrOllcrty;' Mortgage Insurance. If Borrower fails to perform the covenants and agreements contained in this Security Instruinent, or there is a legal proceeding Omt may significantly affect Lender's rights in Ule.ProperLy (including without limitation a proceeding in:ballkruplcy, probate, condemnation or to enforce o.ther ,iaws and "re1;Wl.ations), then Lender may do ,and pay for whatever is ileceSsarf lQr protect ,Uti!: value of UIe Property and Lender's rights in lhe Property. In addition, Grantor (Mortgagor) covenants at a1l times to do alllbings necessary to defend.tlte IiUe to aU of the said property, but the Beneficiary (Mortgagee) shall have the rigb~ at any time to intervene-in any.suit illecting such title and to employ iJidependent.counsel in connection with any suit to which it may be a party by intervention or otherwise, and upon demand Grantor (Mortgagor) agrees either (1) .to pay the Beneficiary all reasonable expen~ paid or incurred by it in respect to any such suit affecting tiUe to any such property, or alIecting the Beneficiary's, (Mortgagee'!!J lien~ or rights hereunder, including, reasonable fees to the,.Be.ncliciary's (Mortgagee's) attorneys or (2) to per,mit Ute addiUog of such expenses. costs. and attorney's fees to the principal balance of the Note(s) secured by this Deed otTrust (Mortg-~ge) on which interest shall accrue at the Note rate. Lender~s aCtions Olay include paying any sums secured by a lien which has priority over tbis Security Instrument, appearing. hi C9llit, paying reasonable attorneys' fees and entering on the Property to make repairs. Allbough Lender may take action under this paragraph 7, Lender does not have to do so, Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security hlstrument. Unless Borrower and Lender agree to- other terms of payment, tlrese amounts shall bear interest from the date of'disbursement- at the N'ote rate and shall be pa}'able, wiUI interest, upon notice from Lender to Borrower requesting payment. ' 8, Mortgage lusu.ral1ce. If Lender required mortgage illsura~ as a oondilion of making the loan secured by this Security Insttument,.Borrower shall pay the premiums' required to maintain Ule mortgage insurance in effect until such time as the requiremeilt for the insurance terminates in accordance with Borrower's and Lender's written agreement or applicable law. If. for any reason, tbe mortgage insurance coverage required by. Lender lapses or ceases to be,in effect, Borrower shall. pay the prem.Iums req~ired to obtain coverage substanlialJy equivalent to the morlgage insurance 'previously in effect, at a cost subslanually eqUlvalent to the cost to Borrower of the mortgage' insurance previously in eJJect, from an alternate mortgage insurer approved by Lender, If substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender. each month a sum eqwLl to one.twelfih of the yearly mortgage insurance, premium being vaid by Borrower when ~he ~nsurance cover~ge lapsed or ceased to be in effect. Lender will accept, use and relain these payments as a loss reserve LR heu of mortgage msurancc. Loss reserve payments may no longer be required, at the option of Lender. if'-' mortgage insurance coverage (in the amount and for the period that Lender requires) provided by an insurer approved by . ' ~nder ag~n becomes avail~le and is obtained. Borrower shall pay the premiums required to maintain mortgage ms.urance In effect, or to provide a loss reserve, uum the requirement for mortgage insurance ends in accordance with any wnUen agreement between Borrower and Lender or applicable law. 9: InsIJection.. Lender ~r its agent may make reasonable entries upon and inspections of the Property. Lender shall gIVe Borrower nohce at tbe tllne m or prior to an inspection.specifying reasonable cause for the inspection. 10. Co~demmltion. Th~ proceeds of any award or claim for damages, direct or consequential, in connection wiUI any condemnatlon or other takmg of any part of the Property, or for conveyance in lieu of condemnation are hereby assigned and shan be paid \0 Lender. ' In the evcnt of a total taking of the Property, Ule proceeds shall be applied to tile sums secured by tltis Security Instrument whether or not then due: with an~ exo:s~ paid Lo Borrower. In the event of a partial taking of the Property. un~ess Borrower and Lender oth~~se agree In wnll~g, \lIe sums secured by Olis Security Instrument shall be reduced by the amount o~ the ~,"?ceeds multlphe~ by lhe followmg fraction: (a) Ule total amount of the SUIDS secured immediately ~ore the takmg, diVided by (b) tbe fall market value of Ole Properly immediately before tbe taking, Any balance shall be paid to Borrower, If the Propcrty is abHndoned by Borrower, or if, after l10tice by Lender to Borrower that Ole condemnor offers to make an awar~ or selU~ a claim for damages, Borrower fails to respond to Lender within 30 days after Ole date, lhe notice is given Lender IS aUUlonzc:d lo col~ect and apply the proceeds, at its option, either for resloration or repair of tlle Property or to th~ sums secured by tillS Securlly Instrument, whether or not then due. Unless Lender and, Borrower .olhcrwise agree in wriling, any application of proceeds to principal shall not extend or postpone the due date of Ute monthly payments referred to in paragraphs I and 2 or change the amount of such payments. Form #478 PA (5/97) BooK14Z4r~OEi~ Page J 0[6 . :J',~ . !'f,~ . " - ".~ "'~' ";T'- -..,-, " , EXHIBIT B ___-'illiUlU..... ._._'~:~-;:";.-.,. =---G:I':.. .~-,!.:i;.f,'., ,',. .4- .' 11. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of tbe time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to any successor in interest of Borrower shaH not operate to release the liability (If tl\e original Borrower and Borrower;s SU~SQIS .in interest.. Lender shull nol be required to commence proceedings ag'dinst any successor or interest or refuse to extend time for payment or othenvise modify amorlizatlon of the sums secured by this Security Instrument by -reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any righ~ or remedy. 12. Successors and Assigns Bound; Joint and Several Liability; Co-signers. The covenants and agreements of this Security Instrument shall bind and benefit tile successors and assigns of Lender and Borrower, subject to the provisions of paragraph 17. Borrower's covenants and agreements shall be joint and several. Any Borrower who co-signs tbis Security Instrument but does not execute the Note: (a) is co-signing this Security Instrument only to mortgage. grant and convey that Borrower's interest in the Property under the terms of this Security Instrument, (b) is not personally obligated to pay the sums secured by Ihts Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any other accommodalions with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 13. Loan Charges, If the loan secured by this Security Instrument is subject to a law which sets maximum loan charges, and that law is finally interpreted so -that the interest or other loan cbarges collected or to be collected in connection -with the loan exceed the permitted limits, then: (a) auy such loan charge sliall be reduced by the amount .."e.cessary to redw:e-, tbe cl\arge to the permitted limit~ and (b) any sums already co'lected- from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by 'making a direct payment to Borrower. If a refund reduces principato the reduction will be treated as a partial prepayment without any prepaynumt charge under the Note. 14. Notices. Any notice'to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class unless applicable law requires use of another method. The notice shall be directed to the Property Address or any other. a~dress Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail to Lender's uddress stated herein or any other address Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this pamgraph. 15. Governing Law; Severahility. This Security lnstmment shall be governed by federal law and the law _of the jurisdiction iQ- which the Property is located. In tIle event that any provision or clause,ofthis Security Instrument or the Note connicts with applicable law, snch conflict shall not affect other provisions of this Security Instrument or the Note wbicb can be given effect without the conflicting provision. To tIns end the provisions of this Security lnstmment and the Note are declared to be severable. 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Trnnsl'er or the PrOllerty or a Beneficial Intel'est in Borrower. If an or any part of the Property or an interest therein is sold or transferred by Borrower (or il'beneficial interest in Borrower is sold ortntnsferred and Borrower is not a natural person or persons but is a corporation, parlnership, trust or other legal entity) without Lender's prior written consent, excluding (a) the creation of a lien or encumbrance subordinate to this Security Illstrument which does not relate to a transfer of rights of occupancy in the properly, (b) the creation of a purchase money security interest for household applinnces, (c) a Inmsfer by devise, descenl or by operation of law IIpon the death of a joint tenant or (d) the grant of any leasehold interest of three years or less not containing an option to purchase, Lender may, at Lender's option, declare all the sums secured by tltis Security Instrument to be immediately due and payable. If Lender exercises sllch option to accelerate, Lender sJmll mail Borrower notice of acceleration in accordance with paragraph 14 hereof. Such notice slmll provide a period of not less than 30 days from the date the notice is mailed within whicb Borrower may PaY tl~ sun;ts declared due. If Borrower fails to pay such sums prior to the expiration of such period, Lender lIk'ly.''without further notice or demand on Borrower, invoke any remedies penniued by paragraph 21 hereof. Lender may consent to a sale or transfer if: (I) Borrower causes to be submitted to Lender information required by Lender to evaluate the transferee as if a new loan were being lDade to tlle transferee; (2) Lender reasonably determines that Lender's security will not be impaired and that the risk of a breach of any covenant or agreement in this Security Instroment is acceptable; (3) interest will be payable on the sums secured by this Security Instrument ata rate acceptable to Lender; (4) changes in the terms of the Note and this Security Instrument required by Lender are made, including, fur example, periodic adjustment in the interest rate, a different final payment date for the loao, and addition of unpaid interest to principal; and (5) the lransferee signs an assumption agreement that is acceptable to Lender and that obligates the transferee to keep all the promises and agreements made in the Note and in this Security Instrument, as modified if required by Lender. To the extent permitted by applicable law, Lender also may charge a reasonable fee as a condition to Lender-s consent to any sale ortraosfer. Borrower will continue to be obligated under the Note and this Security I~strument unless Lender releases Borrower in writing. 18. Borrower's Right to Reinstlltc. If Borrower meets certain conditions, Borrower shall have the right to bave enforcement of this Security Instrumenl discontinued at any time prior to the earlier of: (a) 5 days (or such other period as applicnble law m.w spccit)' for reinstatement) before sale of the Properly pursuant to any power of sale contained in this Security lnslrument; or (b) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all slims which then would be due under this Security Instrument and the Note had no acceleration occurred; (b) cures nny dethult of any other covenants or ngreemen\$~ (c) pnys aU expenses incurred in enforcing this Security Insu:ument, including, but not limited to, reasonable attorneys' fees; and (d) takes such action as Lender may reasonably reqUIre to assure tlllll the lien of Ihis Security lllslmmenl. Lellder's rights in the Property and Borrower's obligation to pay the sUlns secured by tbis Security Instrument shall continue unchanged, Upon reinstatement by Borrower, lhis Security Instrument and the obligations secured hereby ShlllJ remain fully effective as ifno accelemtion had occurred. However this righllo reinstate shall nOl apply in the case of acceleration under paragraph 17. ' Form #478 PA (5/97) Bod424P1Ct1010 Page 4 of6 .f'-: ....~,~~,'1..:~.:' .. n' ., ;, -'~, " ~ , "'5 "','+"...--'-" ^~ , v'- .-, .~. EXHIBIT B ... .' . '. . .,' ...... .' -5- 19. Snlc uf Note; Change or Lllan Scrviccr. The Note or a partial interest in the Note (togeUtcr with this Security Instnuncnt) may be sold one or more times wilhout prior llOtice 10 Borrower. A sale may result in a change in the entity (known as the "Loan Servicer") thn1 collcels monlhly Imymcnts due under Ule Note and this Security Jnslrumcnt. There. also may be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower wHl be given written notice of the cllange in accordance Witll paragraph,.,14 above and applicable law. The notice will stale the name and address of the ncw Loan Serviccr and the address to which paymenls slIould be made. The nolice will also contain any olher information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or pennit Ute presence, use, disposal, storage, or release of any H.:"l7..3rdous Substances on or in the Property. Bonower shall not do, nor allow anyone else to do, anything aIrecting tile Properly that is in violation of any Environmental Law. The preceding two sentences shall nol apply to the presence, use, or storage on the Property of small qu.'lntilies of Hazardous Substances U13t are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower sh.all promptly give Lender written nOlice of .my invesligation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Properly and any Hazardous Substance or Environmental Law of wbieh Borrower has actual knowledge. If Borrower leams, or is 110lified by any governmental or regulatory authority, that any removal or other remediation of ,my Hazardous Subslance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance wi(h Environmelllal Law. As used in this paragraph 20, "Hazardous Substances" are t]lOse subslanees defined as toxic or hazardous substances by Environmental Law and the following subsl<lnces: gasoline, keroscne, other nammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, malerial eonlaining asbestos or formaldehyde, and radioactive mal.crials, As used in this pnragraph 20, "Environmental Law" means federal Jaws and Ule 1(lW5 oflhcjurisdiction where Ule Property is localed that relale to health, safety or ellvironmcnt.l1 protection. NON-UNIFORM CQVENANTS. Borr01.Ycr and Lcnder_further covenant and agree as foHows: 21. Accelcration; Rcmedies. Lender shall give notice to Borrower I,rlor (0 acceleration following Borrowert,s breach of ;my covenant or agreement in ~bis Security Il1stnmlCllt (buf not prior to ~Cccleralion under'paragraph 17 unless applicable law provides C)thcnvise). Lendcr:sh.lll notify Borrower of, among oilier thi,ngs: (n) the default; (b) tile-action required to t~-lm.~-lhe dcrault; (c) when the dcfnult must he cured; and (d) that faUu'rc to cure the default as sllecified may result in acceleration of -tile sums secured by this Security Instrument, 'foreclosure by judicial I,rocccding and sale of the l'I"OIIcrty. Lender shall further inform Borrower of the rigbt to reinstate after acceleration and the right to assert in thc foreclosure lU"occeding the non-cxistence of a. default or any oUter defense of Bon-ower to acceleration and foreclosure. Ir the defaull is not cured as sl)ecified, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by judicial proceeding. Lender slJall be entitled to collect aU expenses incurred in pursuing the remedies IJrovided in this IJaragral)h 21. including, but not limited to, attorney's fees and costs of title evidence to the extent llermittcd by applicable law. 22. Relensc. Upon payment or an sums secured by this SCCUril}' Instrument, Lender shall discharge this Security Instrumen! without charge to Borrowcr. Borrower slwU p<l}' any recordation costs. 23. Waivers. Borrower, to the extent permilted by applicable law, waives and releases any error or dcfet:ts in proceedings to enforce this Seeurit):' Instrument, illld hereby w<lives the benefit of any present or fulure laws providing for stay ofcxcculion, extension oflil11e, e."(cmption from aUachment.IC\'}' and sale, and homestead exemption. . 24. Reinstatement Period. Borrower's time to reinstate provided in paragraph 18 shall extend to one hour prior (0 the conunencelUenl of bidding at a shcrifI's sale or other sale pursuant lo this Security Instrument. 25. Purchase ~oncy Mortgage. If any of thc debl secured by this Security 11lstrurncnt is lent to Borrower to acquire tHlc to the Property, this Security Instrument shall be a purchase money mortgage. 26. Interest_ Ratc After Judgment. Borrower agrees that the interest rate payable afier-ajudgnicnt is entered on the Note or in an-action Of1l10rlgage foreclosure shall be the rate p-ayable from time (0 lime under lhe Nbte. . 27. ~idcrs to-this Seclirity 1l1strument Irone or more riders are executed by Borro-wer and recorded together with tius Seeunty Instrument, the covenants and agreements of each such rider shall be incorporated into and shall amcnd and supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument. (Check applicable box(es.) o Adjustable Rate Rider" D Condominium Rider o 1-4 Family Rider o Graduated Payment Rider D Planued Unit Development Rider o Oll1cr(s) (specify) o Second Homc Rider 28. Conformity With Laws. If any provision of this Mortgage (Deed of Trust) is found to be in violation of any Jaw, rule .o~ regulation which aIT~ the validity 3,lldlor enforceability of the Note and/or Morlgage (Deed of Trust), that prOVISion shall be deemed modified Lo comply With applicable law, rule, or regulation. Fonn #478 PA (5/97) Page 5 of6 Bood424l'1feEtoU .'{ EXHIBIT B <, , , -6- '. BY SIGNING BELOW. Borrower accepts and agrees to the tenns and covenants contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. '7~J/1 fl( .f!/rnrl1y Witness ( liL~' /J1 111m~<(!!tJ !loess ' ~Jfi;/ Borrower MICHAEL L. GRAY (SEAL) "iJ ~ rt:. ~ Borrower NAN L. GRAY (SEAL) (SEAL) Witness Borrower I hereby certify that the precise address of the Lender (Mortgagee) is HarrlsburQ, Pennsvlvania 17101 . 600 North Third Street . On behalf of the Lender. , By: '~~~lJr~miftt!~ TItle: (),jhf- "I ,L,..h^L/ <' COMMONWEALTH OF PENNSYLVANIA, r.IIMRJ:"RI ANn " County 5S: On dlis, the 29th day of December. 1997 . before me, the undersigned officer, personally appeared ~.r.. MICHAEL l.. ORA Y AND NANCY l. GRAY HIS WIFE . ,1 I.' known to me (or salisfactorily proven) to be the pe.-son(s) whose name are lfilbscribl!d to'i1lhe "thin instrument and acknowledged that they executed Ihe same for the purposes herein con~in,~.',)\t '~:~,~ ~ '[:~.;." ,l IN WITNESS WHEREOF, I have hereunto set my hand and official seal, : ~~: '~,:' ~;.'b, '!l .{ ,\\ \~~. 1,\ (, lI'~J '''t lW:~"1. .\' !;},~). -;1i~ ,'~ ~.l,," i{\~1 ',-;. .,' 1," '~.,. "" n.' f~; "~!i 'Ii, \4, ,~'\'~I ~ ;:[;- (SEAL) My Commission Expires: n M r}:;1.!~~;tl ::':9~11----~---J 'M~'i~~:~~:~r:!,:,i;!~~~2fM:t~~u "', (Space Below This Line Reserved For Acknowledgment) EqulCredlt Corporation of Pa. 600 North Third Street Harrisburg, Pennsylvania 17101 Form 11478 PA (5197) BOOK1424il1ll1d012 ~ .1_' '~~:'""~_'" ~_ . .,. c _~, T" _ Page 6 of6 !1'Pll,.~t . f"" ".-'"-- ., " .,' EXHIBIT B Loan Number: 53700179 ; NOTE December 29. 1997 . Dale HARlUSBURG City . Pennsylvania 1. BORROWER'S PROMISE TO pAy In return for a Joan tbat I hove received, I promise to pay U.S. $ 68.700.00 _ ~ (this mnounl will be called "principal"), plus interest, to the otder of lite Lender. The Lender is EoulCredit Corooration of,Pa. I understand that the. Lender may trousler this Nole. The Lender or anyone who takes this Nole by transfer and who is entiUed to receive payments Wld~ this Nole will be called tbe "Nole Holder". 2. INTEREST I will pay interest at a yearly rate of 10.050 %. Interest wil1 be charged on that port of principal which has not been paid. lnlcrc1l1 wilt be charged beginning on Januarv S. 1998. nnd continuing unlit the f,,1I amount ofprincipnl has been paid. Subject to applicable low, the Nolcholder sholl be entilled 10 interest ollhe yenrly rate 011 any mortgage arrenroge (mnount past due) including, without limitation, circwnstance... in which a petition ill bankruptcy, wage-eamer, or other insolvency proceeding is filed designating me as debtor. 3. PAYMENTS Such principal and interest slmlt be payable in 240 succes...ivc monUdy inslollments with tbe first such inslollmcnt in theamountof$ 665.25 dueonlhe 5th dayef Fehruan.1998 and 239 subsequent monthly installments of $ 665.25 shall be due 011 the 5th day of each succeeding month thereafter. I will make these pnymeilts e\'ery month until I have paid all of the principal and inlerest Wld any other charges, described below, that I may owe under this f:-Iote. If,OIl Januarv 5. 2018 I still owe amounts under this Nole, I will pay nil those amounts, in full, 011 thaI date. Time is of the essence of Ihis Note. I will make my monthly payments at P.O. Box 44132, Jacksonville, Florida 32231 or at a different.plaee iCrequ;,ed by the Note Holder. . 4. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Rcturn Check Charge In the event that a check used to make BIlY payment required by tbis Note is returned unpaid by the payor bank for insufficient fWlds or credit, I agree to pay yon a $10.00 fee for yollr additional cosls incurred in processing such check. This charge will be required whether or not Ule returned check causes my payment to be late. (8) Late Charges for Overdue Payments If the Note Holder has not received the nlll amount of auy of my monthly payments by the end of . the date it is due,} will pay a late charge to the Note Holder. The amonnt of the charge will be 5 but not-Iess thari U.S. $ 33.16 and noL more than U.S. $ 33.26 once on any late payment (C) Default If I do not pay the full amount of each monthly payment by the date staled in Section 3 above, I will be in default Even if, at a time wllen' am in default. the Note Holder does not require me to pay hnmcdialely in fun as described above, the Note Holder will still have the right to do so if I am in default at a later time. . (0) Notice From Noie Holder IfI am in default, the Note Holder may send me a writlen notice tellillg me tlml if I do not pay the overdUe amount by a certain date the Note Holder may require me to pay immediately the full omount of Ilrincipal which has 110t been paid and all the interest thot I owe on that amount. Thot dale must be otlensl 30 days after the date on which the notice is mailed to me or, if it is not mailed, 30 days after the dale on which it is delivered to me. (E) Payment,orNole Holder', Cosb and Expenses If the Note ~older has required me to pay immediately in full os described abovc, the Note Holder Wi" have the right to be paid back for all_of its costs and expenses to the extent not prohibited by applicable law. Those expenses include, for example, reasonable aUorneys' fees. 10 calendar days after % of my overdue payment, } will pay this late charge only 5. TIllS NOTE SECURED BY A MORTGAGE In addiliml to the prolections given to the Nole Holder under this Note, a Mortgoge, doted December 29. 1997 , protects lhe Note Holder from possible losses which might result in do 1I0t keep the promises which I make in this Note. That Mortgage describes how and under what conditions I ~ny be reqnired to moke immediate payment ill full ohll amounts that I owe under this m~~:: 6. BORROWER'S PAYMENTS BEFORE THEY ARE DUE I have the right to make paymenl<; of principal at any lime before they are dUe. A payment of principal only is known as a ~prepayment". When I make a prepayment, 1 will tell tbe Note Holder in n lelter that I am doing so. A prepoyment of all of the wlpaid principnl is known tiS a ~ful1 prqJ8ymel1{~. A IlrepoYI'nent of only part of the UIlIJ8id principal is known as 8 "partial prepaymenL~. I may make a full prepayment or parlial prepayment at any time; however, {he Lender may charge' me a prepayment charge equivalent to 3 months interest during the firsllhree yeurs of the loan at the rale set forth above on tbe amount of the principal balance prepaid. The Note Holder will use all of my prcpn}'111enls to reduce tile omount o( principal that I owe under this Note. If I make a partial prepayment, there will be 110 delays in the due dates or changes in the Amounts oC my monthly payments wlless the Note Holder agrees in writing to those delays or chonges. 1 may make a full prepayment at any time. If I choose to make D partial prepayment, the Note Holder may require me to make the prepayment on the same day 1I18t one of my monthly payments is dUe. The Note Holder may also require thatlhe amount of my partial prepayment be equal to Ihe amount of principal thai would have been part of my next one or more monthly payments. 7. BORROWER'SWAlVERS I waive my rights to require the Note Holder to do certaiu things. lllOse things are: (A) 10 demand payment of amounts due (known as "presenbnent"r. (B) to give nolice that amounts due have 1I0t beell paid (known as "notice of dishonor~); (C) to obtain an official certification of nonpllyment (known os 0 ~protest~). Anyone else who agrees to keep 1Ile promises made in this Note, or who ngrees to make payments to the Note Holder if J fllUto keep my prontises Wlder this Note, or who signs this Note to transfer it to someone else also waives these rights. These persons are known as "guarantors, sureties and endorsers. ~a ., Fonn #433 Pennsylvaniit (I 0/96) All First Mortgages & ~nd Mortgages over $50,000 Poge 10f2 "iF,,,,, . -" ,;'-~-. . -," ---1- -' -~- ' '. ,"i . EXHIBIT C "-"---'-~- .- ", -2- 8. GIVING OF NOTICIlS . . Any notice dwt I~ust be given to me under this Note will be given by delivering it or by mailing it be Certified mail addressed to me at the I}roperty Address in the Security InslrUment. A notice will be delivered or mailoo to me at a different address if I give the Note Ho\der 11 nmice ofmy different Ilddre.ss. AllY Ilotice that must be given to the Note Holder under this Note will be given by mailing it by certified mail to the Note Holder at the address slated in Section 3 ubove. A notice will be mailed to the Note Holder at 8 different address jf I am given a notice of that different uddress. . -,-' 9. RESPONSmILlTY OF PERSONS UNDER THIS NOTE If more thun one person signs this Note. each of us is fully and personally obligated to pay the fun amount owed and to keep all of the promises made in this Note. Any guarantor. surety, or endorser oftbis Note (as described in Seclion 7 above) is also obligated to do these things. TIle Note Holder may enlorce its rights under this Note against each orus individually or against all of us log ether. This melll\S tbat any oue of us may be required to pay aU of the lUt\ounts owed uuder l.bis Note. Al\y person who takes over my rights at obligations under this Nole will have all of my rights and must keep all of my promises made in this Note. Any person who IBkes over the rights or obligations of a gu\uuntor. surety. or endorser of this Note (as described in S~tion 7 above) is also obligated to keep all of the promises made in Ulis Note. .' 10. LOAN CHARGES I understand and believe tbat Ibis lending transaction complies with Pennsylvania usury. lending. general obligation, and real properly laws ofPennsylvs.nia. unless preempted by Fedcrollaw, however, if any interest or other charges in connection with thisleuding tranSllclion are ever detennined 10 exceed the maximum wnouut penniUed by law. I wlderstand and agree that: '(i) the amount of the intefl;~t or other ~hurges paYUble by 11\6 pURuanllo tbis lending ttanSUCti.on shu.U be reduced to the- maximum amount permitted by taw. aUd (ii) allY excess umoullt _previously collected trom me in colm~tion with Ulis Icuding- tnmsoction which exceeded the maximwn amomlt I~rnlilted by luw. will be credited agllmstthe outSlillldil1g principal baltmce. If the outstwiding principal balance has alwady ,~rcpaid;-the excess amount paid will be refunded to me. All fees. chllrgei. goods, things in action or any other sums or things of value (coU....ctively. the "Additional Sums") paid or payable by me, whether pursuant to this Note, the MortgagelDeed oCTrosl or any other document or instru!UClit in any way pertainiJig to Ihis l~ding trwlSUCtion. or otlleCWise with respect to this lending transaction. which, und~ th~ laws of-Pemlsylvania, may he deel1led to he iuterest willi respect to this lending transaction. shall. for the pwpose of any laws ()fPJ:llUlSylvania w~i~ may limit thc maximulD amount of interest to be,charged wiUI respect to this lending tmnsaction. be payablc_ by me Ils. and shall be deemed to be. additional interest, tlnd lOr sucb purposes only. the interest tale of this lending transllction I (as ddtlll...-d in thjg Note) shall be <leemed to be increased by tl~ AddiliolUll Sums, ' lucknowledge that tbe principal includes closing costs listed OIl the Lonn Closing Statement and/or the Itemization of Amount Financed (unless such fees are poid by me in cash or by check at closing) and deem.such costs to be reasonable and specifically agree to poy tbem. I also acknowledge lllld understand lhatthe loan origilluliou fee, if any. lUld any other prepaid finance charges are fully carned utthe lime the loon 'is mode and arc not rclhllduhlc. 11. CONFORMITY W1TI11.A WS IfwlY provision of this Note is found 10 be in violation of any law, rule. or regulation. that provision shall be deemed modified 10 comply wilh appliCltble law. 12. DEFAULT DISCLOSURE If you do nol meet your contract obligations. you may lose your house. DOITow,,~~:~f~~ Borrower Borrower (Sign Original Only) fonn ~4,3 (10/96) Paso 2 0(2. 0----.-" , ~,,'-~- 't1,,-y- ~-, "', -',1 '.-" .-" ,,- .> -~ eXHIBIT C , VERIFICATION Mark J. Udren, Esquire, hereby states that he is the attorney for the Plaintiff in this action, that he is authorized to take this Verification, and that the statements made in the foregoing Motion for Reassessment of Damages and Memorandum of Law are true and correct to the best of his knowledge, information and belief. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.s. Section 4904 relating to unsworn falsification to authorities. UDREN LAW OFFICES, P.C. Dated: 1\\\0 \ ~'-i ~);';'T':?""'V-' ',~-, ,;"_,_,."".-_,, - "'-"-",'. ,_., , J ,., ;, ~ UDREN LAW OFFICES, P.c. BY:MARKJ.UDREN,ESQUIRE ATTY. I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 U.S. Bank National FIK/A First Bank National Association, TR utA DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CML DMSION Cumberland County v. Michael L. Gray Nancy L. Gray NO. 01-3500 Civil Term Defendant( s) CERTIFICATE OF SERVICE I, Mark J. Udren, Esquire, hereby certifY that I have served true and correct copies of the Plaintiff's Motion for Reassessment of Damages and Memorandum of Law upon the following person(s) naJIled herein at their last known address or their attorney of record. xxxxxxx Regular First Class Mail Certified Mail Other (certificate of mailing) Date Served: ~ \\~\\:)I..\ TO: Michael L. Gray 124 Park Drive Middletown, P A 17057 Nancy L. Gray 1101 Market Street, Rm #370 Harrisburg, PA 17103 By: Mark J. Udren, E quire Attorney for Plaintiff .,.~~, , "'1 ,"'--,'f;~,_r';:',,,,'\ ,~',",'~,,-_ - ...,-r'. '-,r - ."""" ." Ij"S t\:) I, II ,I II Ij , Ii jl Ii II I,. _..."..".~~Iil!'II~r iFlfliW ....1,........ ~ <=J: N N D -4:: 11'1 IV I" :~ ;t c <:: F~ l~~ .:;.::;:; 0 = -7'1 .~ <.- :;:J C: Fi'';j -n r'~' F:::; r" " -';""1 ;;1 _.-, 9 f'v .".' ,.", ~.' (:) ~ .":"j , ~'" ~:~; ~~ L.) r",'} .-~~ j'-.) :.< )JLJ~~~.!t'~m-'#1'Mifj;l-""'p-%I':l?~~IWJf,~~~~~,. "f '" 't -MARK J. UDREN & ASSOCIATES ATTORNEY FOR PLAINTIFF BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 . U.S. Bank National F/K/A First Bank. COURT OF COMMON PLEAS National Association, TR U/A DTD : CIVIL DIVISION 5/1/98 (EQCC Home Equity Loan Trust : Cumberland County 1998-1)10401 Deerwood Park Blvd. MC FL9-015-02-14 : MORTGAGE FORECLOSURE Jacksonville, FL 32256 Plaintiff v. Michael L. Gray Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Defendant(s) PRAECIPE FOR ANSWER AND . . NO. 01-3500 Civil Term JUDGMENT FOR FAILURE TO ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of the Plaintiff and against the Defendant (s) for failure to file an Answer to Plaintiff I s Complaint within 20 days from service thereof and for foreclosure and sale of the mortgaged premises, and assess Plaintiff's damages as follows: As set forth in Complaint Interest Per Complaint From 6/2/01 to 10/2/01 Late charges per Complaint From 6/2/01 to 10/2/01 Escrow payment per Complaint From N/A to N/A $75,041. 09 2,248.44 133.04 .0. TOTAL $77.422 57 I hereby certify that (1) the addresses of the Plaintiff and Defendant are as shown above, and (2) that notice has been given in accordance with Rule 237.1, a copy of which is attached hereto. & ASSOCIATES ESQUIRE Plaintiff DAMAGES ARE HEREBY ASSESSED DATE:.dd-- IP. .J,,-y,f , AS I~CATED ~4-iv f. P 0 PROTHY ~ ::'~v_ o~, - .'.-' , ~ , . , ~ MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff v. ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County Michael L. Gray Nancy L. Gray Defendant(s) NO. 01-3500 civil Term September 20, 2001 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAwYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 NOTIFICACION IMPORTANTE DATED: TO: USTED SE ENCUENTRA EN ESTADO DE REBELDIA POR NO HABER TOMADO LA ACCION REQUIRIDA DE SU PARTE EN ESTE CASO. AL NO TOMAR LA ACCION DEBIDA DENTRO DE UN TERMINO DE DIEZ (10) DIAS DE ESTA NOTIFlCACION, EL TRIBUNAL PODRA, SIN NECESIDAD DE COMPARARECER USTED EN CORTE 0 ESCUCHAR PREUBA ALGUNA, DICTAR SENTENCIA EN SU CONTRA, USTED PUEDE PERDER BIENES Y OTROS DERECHOS, IMPORTANTES. DEBE LLEVAR ESTA NOTIFlCACION A UN ABOGADO. IMMEDIATAMENTE SI USTED NO TIENE ABOGAnO, o SI NO TIENE DINERO SUFICIENTE PARA TAL SERVICIO, VAYA EN PERSONA o LLAME POR TELEFONO A LA OFICINA, CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASSISTENCIA LEGAL. SERVICIO DE REFERENCIA LEGAL LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 NOTICE: PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR AND THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. f'f".;., =_,~~",.l" , , - - -~ 'j I ~,.. -- ~~-- ~~ ~--.,-~ " MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 u.s. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County v. Michael L. Gray Nancy L. Gray Defendant(s) ~ NO. 01-3500 civil Term DATED: TO: September 20, 2001 Michael L. Gray 124 Park Drive Middletown, PA 17057 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 NOTIFICACION IMPORTANTE US TED SE ENCUENTRA EN ESTADO DE REBELDIA POR NO HABER TOMADO LA ACCION REQUIRIDA DE SU PARTE EN ESTE CASO. AL NO TOMAR LA ACCION DEBIDA DENTRO DE UN TERMINO DE DIEZ (10) DIAS DE ESTA NOTIFICACION, EL TRIBUNAL PODRA, SIN NECESIDAD DE COMPARARECER USTED EN CORTE 0 ESCUCHAR PREUBA ALGUNA, DICTAR SENTENCIA EN SU CONTRA, USTED PUEDE PERDER BIENES Y OTROS. DERECHOS, IMPORTANTES. DEBE LLEVAR ESTA NOTIFICACION A UN ABOGADO IMMEDIATAMENTE SI USTED NO TIENE ABOGADO, o SI NO TIENE DINERO SUFICIENTE PARA TAL SERVICIO, VAYA EN PERSONA o LLAME POR TELEFONO A LA OFICINA, CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASSISTENCIA LEGAL. SERVICIO DE REFERENCIA LEGAL LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 NOTICE: PURSUANT TO TH~ FAIR DEBT COLLECTION PRACTICES ACT, THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR AND THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. -I, ~ra ,--, P'~' 1~- p~~~_. .I""{> MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE NO. 01-3500 civil Term v. Michael L. Gray Nancy L. Gray 124 Park Drive Middletown, PA 17057 Defendant(s) AFFIDAVIT OF NON-MILITARY SERVICE STATE OF SS COUNTY OF THE UNDERSIGNED being duly sworn, deposes and says that the averments herein are based upon investigations made and records maintained by us ~ither as Plaintiff or as servicing agent of the Plaintiff herein 'i:md that the above Defendant (s) are not in the Military or Naval ',Service of the United States of America. or its Allies as defined in the Soldiers and Sailors civil Relief Act of 1940, as amended, and that the age and last known residence and employment of each Defendant are as follows: Defendant: Age: Residence: Employment: Michael L. Gray Over 18 As captioned above Unknown Defendant: Age: Residence: Employment: Nancy L. Gray Over 18 As captioned above Unknown Sworn to and subscribed before me this 9 day of 3ttL'/ , 200/. N~e: AhdrtAt\..,~ TJ. tle : fO\A~I~.t....Ad.~ ~~ Company: 1: ." . It, cJ,,' CctU1 '-u.~ \.Qtrcn &.." Notary Pu GLORIA J. LATHROP MY COMMISSION #CC 903025 EXPIRES, Fabrual}' 19, 2004 BondedThru-Nolary Public UndolWritors i:Y~,,,, .~"~="' ~F,V~ .~_@Jt,", . , - L!~-'T ~,~~~ . or '"~ -~ ",. r c'l'1_~."<,,_ ~" _,," ,..,.....<"""'7'~'''''i1'._,'r;~!''rm'', "11 lS lO >'::..., L, . -'^~ _'0' ,~"_,~~~I!!Il_1i!W~~~~J..,,. ~-, , .~.~~__ >M I_'__~~'''~~'='~~ ~~~~ -: & r ~ ~ ~l -..l ~ ;:'V' :3 ;?, t- Q.I w ~ - ~ - o c S -CC] rnlT' z:"(,~ ~~~~ !;2C """'"(' <.:-;)' ~ ~~O >c z ::< -F~' .~ ->,~,,,,,,.,-,\,, ...,'~. ~> - 'h c;:) o ,) .--l r-J ';')-, ., co -",~:3 (~i ~:~j ':T: "-;l ~~~;~ :"'J. ---i 5; -< ~ --,,""0. oJ:) ,_~,~, lnlJW~_'~(1!Jl;","~";!;m!""ff,.t;,'-" "-+~;'"'' '-"""--"-';'-'-;"-"'-!"_-"")"'"~""P'.'!&l~F-!<~~IIjf!~!!J_"-,;W,'i:;~fW~~~~~~' MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N.'KINGS HIGHWAY, SUITE 500 CHE~Y HILL, NJ 08034 856-482 - 6900' U,S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff ATTORNEY FOR PLAINTIFF . . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE v. Michael L. Gray Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Defendant(s) . . NO. 01-3500 Civil Term TO: Michael L. Gray 124 Park Drive Middletown, PA 17057 1 NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below. -X- Judgment by Default Money Judgment Prothonotary Judgment in Replevin Judgment for Possession Judgment on Award of Arbitration ~ Judgment on Verdict Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE PLEASE CALL: ATTORNEY Mark J. Udren, Esquire At this telephone number: 856-482-6900 --J"~~".4,.:,,...,,,,,,,,__... ^_~ ,_ ~11"[_"I,_ ~r...._. '~""""""'_""","~"""P;''''''''''~''~ MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040t,N:" KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856 -482 - 6900' U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1)10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff v. ATTORNEY FOR PLAINTIFF . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE Michael L. Gray Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Defendant(s) PRAECIPE FOR ANSWER AND . . NO. 01-3500 civil Term JUDGMENT FOR FAILURE TO ASSESSMENT o~ DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of the Plaintiff and against the Defendant (s) for failure to file an Answer to Plaintiff's Complaint within 20 days from service thereof and for foreclosure and sale of the mortgaged premises, and assess Plaintiff's damages as follows: As set forth in Complaint Interest per Complaint From 6/2/01 to 10/2/01 Late charges per Complaint From 6/2/01 to 10/2/01 Escrow payment per Complaint From N/A to N/A $75,041.09 2,248.44 133.04 11 TOTAL $77.422 57 I hereby certify that (1) the addresses of the Plaintiff and Defendant are as shown above, and (2) that notice has been given in accordance with,Rule 237.1, a copy of which is attached hereto. & ASSOCIATES , ESQUIRE Plaintiff DAMAGES ARE HEREBY ASSESSED AS DATE: ~ IF. J.rY'> I INDICATED ~ n~ 12. (7: PRO PRO THY ';".f.~jjJ'~~ .. .,__ ^ ,_._ " _~~ ~_"" ~_ ~ -;r~ r .,.,<, ".~".,~~,+ ~. r ~ _~".,.,.,o ,_,~__..~""""" _ ....; . " ... . . MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040'N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900' ATTORNEY FOR PLAINTIFF U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 . . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE Plaintiff v. Michael L. Gray Nancy L. Gray :NO. 01-3500 Civil Term Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Defendant(s) , TO: Nancy L. Gray C/O YMCA, 1101 Market Street, Room #370, Harrisburg, PA 17103 NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below. -X- Judgment by Default Money Judgment Judgment in Replevin Prothonotary Judgment for Possession Judgment on Award of Arbitration Judgment on Verdict Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE PLEASE CALL: lr-- ATTORNEY Mark J Udren. Esquire At this telephone number: 856-482-6900 ~~.r~""",_.~ ,IW _^~"'e"'" . ~'~""" _"'1' ~ . ~ "~ ~ ,_",,,,,",,~" "T- ._<~''''"f~~1'!'l".llf! ~-" ._ ._~,'_ ,'ffiRl'~j'>" , ~ ' " MARK J. UDREN & ASSOCIATES ATTORNEY FOR PLAINTIFF BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040~. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900' . U.S. Bank National F/K/A First Bank' COURT OF COMMON PLEAS National Association, TR U/A DTD : CIVIL DIVISION 5/1/98 (EQCC Home Equity Loan Trust : Cumberland County 1998-1)10401 Deerwood Park Blvd. MC FL9-015-02-14 : MORTGAGE FORECLOSURE Jacksonville, FL 32256 Plaintiff v. Michael L. Gray Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Defendant(s) PRAECIPE FOR ANSWER AND . . NO. 01-3500 Civil Term JUDGMENT FOR FAILURE TO ASSESSMENT O~ DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of the Plaintiff and against the Defendant (s) for failure to file an Answer to Plaintiff's Complaint within 20 days from service thereof and for foreclosure and sale of the mortgaged premises, and assess Plaintiff's damages as follows: As set forth in Complaint Interest Per Complaint From 6/2/01 to 10/2/01 Late charges per Complaint From 6/2/01 to 10/2/01 Escrow payment per Complaint From N/A to N/A $75,041.09 2,248.44 133.04 n J1 TOTAL $77.422.57 I hereby certify that (1) the addresses of the Plaintiff and Defendant are as shown above, and (2) that notice has been given in accordance with,Rule 237.1, a copy of which is attached hereto. & ASSOCIATES L ESQUIRE Plaintiff DAMAGES ARE HEREBY ASSESSED DATE: Or+- It; ;lrY)l J~~l'~= ,'~_ " _ ~~_~"'''~~ ",r T I ..,~ ~,~~.~<~. -~ MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 ATTORNEY FOR PLAINTIFF U.s. Bank National F/K/A First Bank National Association, TR U/ADTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 . . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE Plaintiff v. . Michael L. Gray .NO. 01-3500 Civil Term Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Defendant (s) . PRAECIPE FOR WRIT OF EXECUTION TO THE SHERIFF: Issue Writ of Execution in the ab6ve' matter: Amount due $77.422.57 Interest From October 3, 2001 2.833 40 to Date of Sale March 6. 2002 Per diem @$18.28 (Costs to be added) $ MARK J. UDREN & ASSOCIATES Y<LlI ~-'~., ~ ~=__ -;-T. ~__,__ " -- - , -~-~ ,or - ""', - - .. -~ --, '", -~ ""~ "',","", '.--'- -l" ~ ,~-~, ""'-'h'~~ ,----~'""--".--~- ~~. '",-~ ~ ~ f::l ~ ~ If ;-lq ~ -..) "" .... .... ~ 2 ~ ~ #:. ~ ..Q ~. "" ..... (") Q 0 . . ~ h ~ "T! Ii) B 8 & f"I\ 0 "> ~ 0 g t; ~ "Urn 0 --,::} 0 C C 0 m"'~ ,--, / ....... <S 0 () z:;3 ,--I , ';--;;---;: ..... . I , zs; ,-'" ~ ~~ I I 1 t (/) ,. 0:> 1::3 ~ I ri? -<2:: ,.1. ~ ~C) .~, :to> ;:,,;;3 , ~("') =-;r .. ~ It :;- ~ .. ::; .. -0 ~~~~ .. 5>C 'P. ,-,..; -- ~ , , :. ~.~ ~ ~ .. ... .. .:; .. .. '" :xl .... -< ~s [0 /-~. , /. i! H II I. i'- rrifll~~~- "'-~ II __ """~'i1'!i~~~-$:",,,,;'T~W-'-Y!i~,",'O,-#;,""!"t--,"I~in\1'Hl'~1!\<$!i-i!ffWl<:m,~~~$<#~~ffi'~i!l!j\il!l:'1!llJl'i MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998 -1) 10401 Deerwood Park Blvd. MC FL9-015-02-l4 Jacksonville, FL 32256 ATTORNEY FOR PLAINTIFF . . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE Plaintiff v. Michael L. Gray Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 . . NO. 01-3500 Civil Term Defendant(s) C E R T I F I CAT E Mark J. Udren, Esquire, hereby states that he is the attorney for the Plaintiff in the above-captioned matter and that the premises are not subject to the provisions of Act 91 because it is: An FHA insured mortgage Non-owner occupied Vacant X Act 91 procedures have been fulfilled. Over 24 months delinquent. This certification is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. M rk J. Ud n, ESQUIRE ATTORNEY FOR PLAINTIFF <reo, ~~ ,. -~,- ~~ ~ ~ " ., _r ~ _, r- .-~ -<~ -"'e' >,C~~'-" '___''''-' , a 0 a r'~ C ~'n "::=P -0::;;:"'- Cl .--' 0 ill rn'ni CJ " Z-r, '~r [? -+- zF" O"J ~, co to 0:> kt] ;t;- )>- zC] ~. ~c i..f} ., -c: u ~ Z -I =< J> r'0 ::0 N -< .:J:,. ), / /' "",...~_'"~_ i!,_'j'.). O_~~~"__ _.",~. .,,",_..~!<ffl,~W<,1W''''''lf.''''';~'''''RM;l,F~m- ',.~., ,,(,r~iWj1~~"~~7Dl~~~; .. MARK J. UDREN & ASSOCIATES SY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 ATTORNEY FOR PLAINTIFF . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE " plaintiff v. Michael L. Gray Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 . NO. 01-3500. Civil Term Defendant(s) . AFFIDAVIT PURSUANT TO RULE 3129.1 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1), Plaintiff in the above action, by its attorney, Mark J. Udren, ESQ., sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at: 431 N. 2nd Street Wormleysburg, PA 17043 1. Name and address of Owner(s) or reputed Owner(s) : Name Address Michael L. Gray 124 Park Drive, Middletown, PA 17057 Nancy L. Gray C/O YMCA, 1101 Market Street, Room #370 Harrisburg, PA 17103 2. Name and address of Defendant(s) in the judgment: Name Address SAME AS # 1 ABOVE 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address NONE ;,;q!',. ." ""'~, . _t_ . I I ," < ., 4. Name and address of the last recorded holder of every mortgage of record: Name Address Plaintiff herein. See Caption above. Equicredit Corp. Of PA 600 N. 3rd St., harrisburg,PA 17101 5. Name and address of every other person who has any record lien on the property: Name Address NONE 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Name Address Real Estate Tax Dept. 1 Courthouse Sq., Carlisle, PA 17013 Domestic Relations Section 13 N. Hanover St., Carlisle, PA 17013 Commonwealth of PA, Department of Revenue Bureau of Compliance, Dept. 280946 Harrisburg, PA 17128-0946 7. Name and address of every knowledge who has any interest the sale: Name other person of whom the plaintiff has in the property which may be affected by Address Tenants/Occupants 431 N. 2nd Street, Wormleysburg, PA 17043 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. sec. 4904 relating to unsworn falsification to authorities. DATED: October 2, 2001 ark J. Udr ESQ. Attorney for plaintiff -,f~~ ~ _c~ ,r I - - '0' ._.. ~-" ,. ~'<,-_~, "",,-'_~"'",,",~,,",,"I_'o ""'- .""......". -,. '" '-" ._.'H . ~.'-)""",,, ._~, .' ~ -" 0 0 0 C ~"n s:: 0 .--1 -00:' I:"? ,~~;;[}. IT\,.-' .~,4 Z:::C' (l'~~. ZC (').') ~~{. r:::c' :D" "1'\ ~ :11:: '~~. f{~ {} ~C _f"""- '-f} ('0 >c ,.::; z 5:; ::? Iv "< / ;'1-_" el!lilJ!llM- t,'iNti , ,J~~:__~~'_~il'~'!O'_;'<~"'i'-"'IiT"OJ"'_fI1'_"~'~~l<:~'if;ffl;;f,l!!_,o/.ll,'''''.'*"W'{'illI~'JlIlIi!~ . . MARK J. UDREN & ASSOCIATES BY: Mark J. Vdren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 ATTORNEY FOR PLAINTIFF . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE Plaintiff v. . Michael L. Gray 'NO. 01-3500 civil Term Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Michael L. Gray 124 Park Drive Middletown, PA 17057 Your house (real estate) at 431 N. 2nd Street, Wormleysburg, PA 17043 is scheduled to be sold at the Sheriff's Sale on March 6, 2002, at 10:00 A.M. in the Cumberland County Courthouse, 1 Courthouse sq., Carlisle, PA, to enforce the court judgment of $77,422.57, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the charges, costs and reasonable attorney's fees. you may call: (856) 482-6900 mortgagee the back payment, late To find out how much you must pay, 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You.may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) ''>,,"}%4;,.,...,.,.,.. " ". ., 1 I ..' ., . .~~ ~ YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-482-6900. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened. you may call 856-482-6900. 4. If the amount due from the Buyer. is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFOlUl ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 ASSOCIATION DE LICENCIDADOS DE FILADELFIA Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 ',kll. ]; -. ",,_. . .- -^' ~, - ' 1<'<<""""' - .~ ..""--""",..,,, (") 0 0 fS C -1'1 s:: Cl CO ""!:'CD M ~~ ,,' i rnrn ~~<t Z:u J.,:.:; "":;7r"~ ~2; (X> .'}:;:.-::; ...,11 r--:;"c', r-' <,--,.. ;po ;S ~~ ::Jr. c; (~; ZU 50 ~ 2jrn r" Z -" :r~ :;!. [''0 ::v -< =,,,".' l~~'l~lUIl!lf~;,m'l'f~ji%~m~.,~. ., ~iE.-Il~ l"~~1W.''-'~f'-I0\'a:''',:r'''',\;>'I'~ !'~"!:'''~'ilh~j~~?1'1fi!'f!'~$~'*~~iBr'''?li-~':'',;,~i",e'(0. '~;-""~"~V:'("'?'~\\!1!\l~~i . i UD~EN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-482-6900 U.S. Bank National FIKIA First Bank National Association, TR UIA DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff ATTORNEY FOR PLAINTIFF . . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : NO. 01-3500 civil Term v. Michael L. Gray Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray clo YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Defendant(s) PRAECIPE TO FILE PROOF OF SERVICE TO THE PROTHONOTARY: Kindly file the attached Proofs of Service with regard to the captioned matter. UDREN LAW OFFICES, P.C. BY: Mark J. Udren, ESQUIRE Attorney for Plaintiff Date: February 5, 2004 ~TI1'1 >'C,' >. r~,_^_~^~~l ",-'-r,- , _. w, , ~ ~ ,. [S cc.,o 1JS!I!!l(!!1I!'Il'~'rc'\_ , , ~ ' ~ ..~-'~ ~ ,W_'. o ,,~ _~_, <~ '''~~'. ~ ~ I (") ......, 0 = ~ = "T1 ,- .&- s:: ...., -l -r;cc :c ~~~L .." n:'ltr 0) r- 2f- I u,m ~~:-\~- ", 136 ~sc: :'f-r; ...,,, - -n ~:'t~ ::J:: Q5 )>c: ':'! orn ,-l :z: )> -4 c.., :fJ -< U) :< , ., ". _~" _ ~ ,_!....""'_;tjr~ll"'t~"")l'-J:''''~1~f'%.!f~'iM!.\f'l'l!l'\".~1ll1~t ~c"'" _~_.!"""'~,_'H,~~~~ 2/5/2004 11:23 AM FROM: 800-538-5299 Civil Action Group TO: +1 (856) 4821199 PAGE: 003 OF 004 US Bank National FKA First Oaqk National Association. et. al.) Plaintiff(s) vs. Michael L. Gray, et, at, Defendant(s) Service of PI"OreSS by APS International, Ltd. 1-800-328-7171 APS Int\:rnatiuna' Piau 7800 Glenroy Rd, Minneapolis, M\ 554.19-.1JH AFFIDAVIT OF SERVICE -- Individual Senice of Pro~css on: --'Hehael L. Gray. ('ourt Case "0.01-3500 ('j"il Term UDRE\ LA IV OffiCES, p,c. Ms. Lillian Torres 111 Wooder..t Road Soitc200 Chel"t")' Hill, N.J 0800.1-.1620 Slate "f: P.< T) nSj I u 'd) ;,'- ) ss. Counly nt: 'Dcc.,^.~, ',") >. Name "rSer"er: :Jc:,5 L r h. f:". ,1;hn SO" , undersigned, being duly sworn, deposes and says that at th~ time of service, s/ht: was over the age oftwenly-one, was not a party to this action; /J,dh I '" J I ' C:C t'I Oaterrime "rService: that on the ~day of,,1' nun ~j , 20?2.:+., at I 1.J to'clock ,.LlM Place of ServiCe: at !24 park Or!"e , In Middletown, PA 17057 Documents Sened: Service of Process on: Person Served.. and. Melhl.d or Se'rvice: Oescriptioll of Persoll Receiving OoenmelllS: Signature of Server: ';j! ^_:., "".c_. . ,_. " ,~< ",- the undersigned served the documcnts described as: :O;otice of Sheriff's Sale of Real Property A truc and correct copy of the aforesaid document(s) was served on: Michael L. Gray By personally delivering them into the hands of the person to be served. o )(By uelivcring them into the hands of Lc 1"-. Lun () t ('') suitable age and discretion residing at the Place of Service, whose relationship to the person to be served is Cf'l~. n(:.\ , a person of The pe::;;on re~eiving docum~nts is described as follows; 1JrC1lf't.J,.v:J . . _ Sex l; Skm Color I" 'h, tc ; HaIr Color Nd y.'Ct i r : faclalIIalr Appro",. Age 103 5" ; Approx. Height S . iJJ " Approx, Welghl I ~ 0 To the best of my knowiedge and belief. said person was not engaged in the (:S ~i1ltary at the time of service. Ulldcrsib>11ed de dares under penalty of perjury that4the fo~regO~ing is tr~e and correct. I ..., 1 , : " . ",.., -, '" ,r-'i Sign~ilTe~servel . ",,--------,"' \ [1 ate) A~S International, Ltd. APS file#: 064027-0001 Subscribed and sworn to before me this "7 r,(V' . r' q dayofrebf'tAQnj .20c~ ~,~. lv- l?- Lv-v,~ NOary Public U (COI~\mi"iul\ bpir,,) ~,- 0>, .,.. 0-,. .. H,^~ <-, '-- ~ ~--"~-,--- "-~,-."~.~ ~'-~'...""~,,, I (") ,...., ~ = c =- is: ..,.. ." ..... ulT :r: Q)f;.' Pl M1:D ~._- ,--' OJ . r- :.:~~ ',--- I -om S-~f~ \.0 :u9 ~o [~ ~;~ -0 ::C=H ~ 0- zO J>,~- orn [tJ ~ w -I Z ~ =2 0 \.0 I ;_\u -,""...", "'_~ ',ry I" _~,.,_-~'""'__ " ,_:m:a~~W;f!"'-'H'?"";V;"~Wl~~ ,,' .g~@i~jj(~~\!tl,#i!Rm'lim!l!H!!i!i!IW',..,_'C~ 2/6/2004 11:23 AM FROM: BOO-53B-5299 Civil Action Group TO: +1 (B56) 4B21199 PAGE: 004 OF 004 (.IS Bank National rKA First Bank National Association, et. aI., Plaintiff{s) "S. Michael L. Gray, et. lit, Defendant(s) Service or I'roreJ,s b~' APS International, Ltd. 1-800-328-7171 A PS International Plaza 7800 Glenro) Rd. Minneapolis, MN 5543~-31 n AFFIDAVIT OF SERVICE -- Individual Service of Process on: lIDREN LAW OFFICES. P.C. .4N allc~' L. (;ra.\' Court Case ~o. OI-3~OO CiYil Term ;\-ls, Lillian Torreli 111 Wnodcrest Road Suite 200 Cherry Hill. 1\.1 08003-3620 State of: f?e11 (L'j~ It)/;' n ;('1. ) ss. CouDtyof: 'l)o.l.L.fh,'n ) Name of Sener: .To S-,,-_p n ~-: ::r.::; h (\ 'S (J /) , undersigned, being duly sworn, deposes and say;; that at the time of service. s/he was over the age of twenty-one. was not a party to this action: DatelTime of Service: that on the 30 p\ day of ,-=f .. II 6 '"'j , 20 a, at / : 00 o'clock L M Place or Service: at 1I01 Ma.rketStreet Room370 , in Harrisburg, PA 17103 Documents Served: Service of Process 011: Person Served, tlnd iYlethod of Service: Description of Penon Rec,eiving Documents: Signature of Sener: ".L;_ - rc.' -- ,',_' __' ..,-",L~_-\'" p""'__,"" -"._ the undersigned served the documents described as: Notice of Sheriff's Sale of Rcal Properly A true and correct copy of the aforesaid documcnt(s) was served on: "/aney L. Gray By p~rs0nally delivering then1 into the hands oftbc per:-,on to be serv~d. , / --? ~. ~ .Y-. By deliverinrr them into the hands of (I ~ I ~ U S ~.-L/ . a person of ~Ltnc.1UII;,: i:1~C (lUU \Jl~\.:-lI;LIVU II;~lUJlJb (lL tl \0 ~ '" V v..... \o\ol \/ whose relationship to the person to be served is h"n t ~ <. k. + \A) ( A The pe~_son receiving documer,lts is dest,;ribeu al) foll~ws: , J"" Sex L; Skin Color IA) h I f~ ; Hair Color blo;1C00 _ ;<;.,d; Facial HaIr Approx. Age 4 OS ; Approx. Height '5' a. " : Approx. Wcight 100 To the best of my knowledge and belief, said person was not engaged in the US Military at thc time of service. Undersigned declares under penal ty of perj ury that the foregomg is true and correct. -/4 //-) 'o,j ~~~ ~~ ~~. t~ale} . ~ / APS International, Ltd. APS File #: 0640Z7-0002 Subscribed and sWOrn to before me Ihi, 0( nd day 01' IJ.brl..(.u'r'j .100'-/ (l,,--,/" 7rL t? f'-A-'v~ NOlarrJ'bIIC ,J (('(~:'lllllSS"," hpi",s) <" - '",""',"- '..~~~;..",._," -'_Co<: ,';" A-' .. ,,~, "'-' 'l~-;'>':;_ -~, -J,,,.~-"..r""'''''.!'I~j<U'' 'h;A ~,-,- .-, <'X1j;.{;,x-'~,;: ~~.-, 'ri~"-""^''''"'''''-'' ,~= .~",' '"~'--;' < ~~"~ ,~", ---'~""""~~t (") ...~ 0 = C = "Tl ..,.. :s: -., :?:n -rJGJ rrt rr;r--' n1t- ;;: :t' 0:1 [S .. , I -o~ 6'1:J :0 2rj ...0 0 -I 'lP ::r:-r. 1~3 :;?, o"Tl ~ 70 "2 Om Z =-' .> --j Cl :0 .~~ u:> -< , I I I , ..... ., ~ "".",.Q.~<>,,__ ~~"'}I"'C';-J'':'-'''po;''",,',~i;~_1R~~''i;.!~~~~~~il:~~~~ "L~ u.s. Bank National, et al. VS Michael L. Gray and Nancy L. Gray In The Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2001-3500 Civil Term R. Thomas Kline, Sheriff, who being duly sworn according to law, states this writ is returned STAYED pursuant to instructions from Attorney Mark J. Udren. Sheriff s Costs: Docketing Surcharge Law Library Prothonotary Poundage Share of Bills 30.00 30.00 1.00 1.72 25.24 $ 87.96 paid by attorney 4/14/03 Swom and subscribed to before me So Answers: This~6'~dayof~ ~~ ~--:.!' ~c., ~ R. Thomas Kline, siferiff 2003, A.D. //0 () 'h1,i~(. 'I~y -Jad.i.{~ Prothonotary Real Estate Deputy ],<5" Ut/..I.fDD~ ~, /:1'11/;0 ~'~"'~ In!, I I " _ ~'~~'-~""""'-~'f'''"''~I;;"T i , j, , MARk J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 ATTORNEY FOR PLAINTIFF . U.S. Bank National F/K/A Pirst Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 . . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE ','" . Plaintiff. v. Michael L. Gray Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 . : NO. 01-3500 Civil Term Defendant{s) . AFFIDAVIT PURSUANT TO RULE 3129.1 U.S. Bank National F/K/AFirst Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1), Plaintiff in the above action, by its attorney, Mark J. Udren, ESQ., sets forth as of the date the Praecipe for .. the Writ of Execution was filed the following information concerning the real property located at: 431 N. 2nd Street, Wormleysburg, PA 17043 1. Name and address of Owner{s) or reputed Owner{s) : Name Address Michael L. Gray 124 Park Drive, Middletown, PA17057 Nancy L. Gray C/O YMCA, 1101 Market Street, Room #370 Harrisburg, PA 17103 2. Name and address of Defendant{s) in the judgment: Name Address SAME AS #1 ABOVE 3. Name lien on Name and address of every judgment creditor whose judgment is a record the real property to be sold: Address NONE "i~'\~~~~ , ,,_, ,'_-_"'_1'1 ~ - 1fT ....,....."" 4. Name and address of the last recorded holder of every mortgage of record: Name Address Plaintiff herein. See Caption above. Equicredit Corp. Of PA 600 N. 3rd St., harrisburg;PA 17101 5. Name and address of every other person who has any record lien on the property: Name Address. NONE 'I' 6. Name apd address of every other person who has any record interest in the property and whose interest may be affected by the sale: Name Address Real Estate Tax Dept. 1 Courthouse Sq., Carlisle, PA 17013 Domestic Relations Section 13 N. Hanover St., Carlisle, PA 17013 Commonwealth of PA, Department of Revenue Bureau of Compliance, Dept. 280946 Harrisburg, PA 17128c0946 7. Name and address knowledge who has any sale: Name of every other person of whom the plaintiff has interest in the property which may be affected by the Address Tenants/Occupants 431 N. 2nd Street, Wormleysburg, PA 17043 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. sec. 4904 relating to unsworn falsification to authorities. MARK J. UDREN & ASSOCIATES DATED: December 16, 2002 1,r;rrqr.:~n_, " ~c <,. " MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 U.S. Bank National F/K/A First Bank National Association, TR U/ADTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 ATTORNEY FOR PLAINTIFF COURT OF COMlVlON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE. ~\'(, Plaintiff v. . Michael L. Gray . NO. 01-3500 Civil Term Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street,Room #370 Harrisburg, PA 17103 Defendant (6) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Michael L.Gray 124 Park Drive Middletown, PA 17057 Your house (real estate) at 431 N. 2nd Street, Wormleysburg, PA 17043 is scheduled to be sold at the Sheriff's Sale on June 11,2003, at 10:00 A.M. in the Cumberland County Courthouse, 1 Courthouse. Sq., Carlisle, PA, to enforce the court judgment of $77,422.57, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BI': ABLE TO PRI':VF.NT THIS SHI':RTFF' S SAI,E To prevent this Sheriffls Sale, you must take immedia~e action: 1. The sale will be cancelled if you pay to the mortgagee the back payment, late charges,. costs ,and reasonable attorney I S fees. To find out how .much you must pay, you may call: (856) 482-6900 2. You may be able to stop the sale by filing a petition asking open the judgment, if the judgment was improperly entered. Court to postpone the sale for good cause. the Court. to strike or You may also. ask the 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The -sooner- you contact one, the more chance you will have of stopping the sale. '(See notice on page two on how to obtain an attorney.) -;-S'l ~?" U~ v, ' .-. ~- -. ,- . . ~, 'MlIiIlII':i ~- - ' ,-"- --" , YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOEq TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-482-6900. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3~ The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call 856-482-6900. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. '\'l 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that. time, the buyer may bring legal'proceedings to evict yo~. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) arefiled.with the Sheriff within ten (10) days after Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home ~ck, if you act immediately after the sale~ YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A. LAwYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED .BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. . LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800~990-9108 ASSOCIATION DE LICENCIDADOS DE FILADELFIA Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 ,J-,~;:CT . ",,--- .~ ~ .. .~ 1- I' , , ~, ~ MARK.J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1), 10401 Deerwood Park Blvd. MCFL9-015-02-14 Jacksonville, FL 32256 ATTORNEY FOR PLAINTIFF . . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE ~\'l' Plaintiff v. Michael L. Gray Nancy L. Gray Michael L. Gray 124 Park :Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #3.70. Harrisburg, PA 17103 . . NO. 01~3500 civil Term Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PRO~ERTY TO: Nancy L. Gray C/O YMCA, 1101 Market Street, Room #370 Harrisburg, PA 17103 Your house (real estate) at 431 N. 2nd Street, Wormleysburg, PA 17043 is scheduled to be sold at the Sheriff's Sale on June 11, 2003, at 10:00 A.M. in the Cumberland County Courthouse, 1 Courthouse Sq., Carlisle, PA, to enforce the court judgment of $77,422.57; obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale.. . ~ICE OF OWNER'S RIGHTS YOU MAY HE ART,E '1'0 PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the mortgagee the back payment, late. charges, costs and reasonable attorney's fees. To find out .how much you must pay, you may call: (856\-482-6900 2. You may be able to stop the sale by filing a petition asking the Court to strike or. open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You f!lay need an attorney .to asser't your- ,rights. The 'sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) '--~iIii~'i" ~" , ,"'iF"""" - - . . YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN . IF THE SHERIFF'S SALE DOES TAKE PLAC~ 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-482-6900. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call 8.56-482-6900. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the. buyer. At that time, the buyer may bring legal_proceedings to evict you~ 6. You may be entitled to a share of the money which .was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. \.'< 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 ASSOCIATION DE LrCENCIDADOS DE FILADELFIA Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 80D-990-9108 . -,!iI,_~~,"","1! ,- I, / / I /' I I ALL THAT CERTAIN LOT OF LAND FORMERLY SITUATE IN EAST PENNSBORO TOWNSHIP~BUT NOW IN THE BOROUGH OF WORMLEYSBURG, CUMBERLAND COUNTY, PENNSYLVANIA, KNOWN'AND DESCRIBED J\.S LOT NO. 94 ON PLAN NO.3 OF EDGEWATER. SAID PLAN BEING RECORDED. IN 'CUMBE.R.LAND COUNTY RECORDER'S OFFICE IN PLAN .BOOK 1, PAGE. 71. SAID LOT IS MORE PARTICULARLY BOUNDED,AND DESCRIBED AS FOLLOWS, TO WIT: BEGINNING AT A POINT ON THE EASTERN LINE OF SECOND STREET ,AT THE DIVIDI:NG LINE 'C' . BETWEEN .LOTS .NOS. 94 AND 95 ON SAID PLAN, SAID POINT BEING 400 FEET MEASURED NORTHWARDLY ALONG SECOND STREET FROM THE NORTHEAST CORNER OF ,SECOND AND ELM.' ", STREETS; TSENCE IN A SOUTHERLY DIR~CTIONALONG THE EASTERN LINE OF SECOND STREET 25 FEET TO A POINT ON THE DIVIDING LINE BETWEEN LOTS ,NOS. 93 AND 94, SAID DIVIDING LINE PJ\.SSING THROUGH THE CENT,ER OF ~THE PARTITION WALL ,OF THE DOUBLE TWO STORY BRICK AND FRAME DWELLING ERECTED IN PART UPON THE LOT REREIN DESCRIBED; THENCE IN AN .EASTERLY DIRECTION ALONG SAID LAST MENTIONED LINE 150 FEET TO RIVER ALLEY; THENCE IN A NORTHERLY DIRECTION ALONG THE WESTERN LINE OF RIVER ALLEY 25. FEET TO THE . DIVIDING LINE BETWEEN LOTS NOS. 94 " 95 ON SAID PLAN; THENCE IN A WESTERLY DIRECTION ALONG SAID LAST MENTIONED LINE 150 FEET TO THE POINT OR PLACE OF BEGINNING. AND THEREON ERECTED THE NORTHERN HALF OF SAID TWO STORY BRICK AND FRAME DWELLING ROUSE KNOWN AS 431 N. SECOND,STREET. UNDER AND SUBJECT, NEVERTHELESS, TO RESTRICTIONS, CONDITIONS AND EASEMENTS OF PRIOR RECORD PERTAINING TO SAID . PREMISES . BEING KNOWN AS 431 NORTH 2ND STR.J;:ET, WORMLEYSBURG, .PA 17043 . PROPERTY ID,NO.: 47-19-1588-091 . TITLE OF SAID PREMISES IS VESTED IN MICHAEL L. GRAY AND NANCY L. ,GRAY, HIS WIFE, BY DEED FROM STANLEY O. HAFNER. AND ALMA G, HAFNER, HIS WIFE. DATED 07/05/1984, RECORDED 07/05/1984 IN DEED'BOOK T30 PAGE 873. .., , <~ -~ ", '..'. . ". WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) TO THE SHERIfF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due U.S. BANK NATIONAL FIKIA FIRST BANK NO 01-3500 Civil CIVIL ACTION - LAW NATIONAL ASSOCIATION, TR U/A DTD 5/1198 (EQCC HOME EQIDTY LOAN TRUST 1998-1) Plaintiff (s) From MICHAEL L. GRAY, 124 PARK DRIVE, MIDDLETOWN, P A 17057 AND NANCY L. GRAY C/O YMCA, 1101 MARKET STREET, ROOM #370, HARRISBURG, PA 17103 (I) You are directed to levy upon the property of the defendant (s land to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) Ifproperty of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify himlher that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $77,422.57 L.L. Interest FROM 10/3/01 TO DATE OF SALE 6/11/03 - PER DIEM @ $18.28 - $11,278.76 Atty's Conun % Due Prothy $1.00 Atty Paid $1,166.36 Other Costs Pla.intiffPaid Date: DECEMBER 26, 2002 CURTIS R. LONG (Seal) Protho:0 p ~ '-!Iy: 0-,>, t7 f) 1//Y ~ Deputy REQUESTING PARTY: Name MARK J. UDREN, ESQUIRE Address: 1040 N. KINGS IDGHWAY, SIDTE 500 CHERRY HILL, NJ 08034 Attorney for: PLAINTIFF Telephone: 856-482-6900 Supreme Court IV No. 04302 "l~,,!L" ~, ". -, ., -'-'I ~~~. ~ .~ ~- lev li-() >x ~ ".- """,,,,,,,.,,,,~,,, ~," . Real Estate Sale # 12 On February 5, 2003 the sherifflevied upon the defendant's interest in the real property situated in East Pennsboro Township, Cumberland County, P A known and numbered as 431 North 2nd Street, Wormleysburg, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: February 5, 2003 BY~C)ri, ~i-Jj\ Real Est;rti'rkp~t;, . I 1,--1 (", ,17 :,. , - i~' :-~-() o,-~~,'<1f'i~"'~'iI'~-;;::P~"""-W~""""",~m'~~;l'$!W,giFffim"#\'~~'11'.m:!~1't"'l)j!W~'~''"*'~'"",'_',os,.'-"."'-c,-,""-'!-" ~ ~ ~. MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 01-3500 civil Term v. Michael L. Gray Nancy L. Gray 124 Park Drive Middletown, PA 17057 Defendant(s) PRAECIPE TO REINSTATE COMPLAINT TO THE PROTHONOTARY: Kindly reinstate the Complaint on the above-captioned matter. DATE: July 25, 2001 t/f)::"'" · AS~OCIATES Mark J. Udren, ESQUIRE ATTORNEY FOR PLAINTIFF lfi!>~~.,.,~""" "" ,- '1- =~"O ~.~,~. ..,- ,- , '-"~' 'i ""'_,._~ _ -""-."~-,.",.~--,,,,,-,,,."""'\'-',", -''';.',_ ""~,-"'"'-"[-._"'_''''-.~_ -. -~,,<""~ 0 ~ (S ~ Co\:) lCl 0 l'..) V\ , -t;, ~, S - I ]1'Jl~MU~i'r~,~ ,'~"_"",,"'" !W~~~_<fj(!;'_>-W;'''Bfr-'''\~~ef3''f''f'!'''~'''-'''''-'''''';;,"f,1'%''-(''_'~-'"~wm!!fl!"~Jl'~!Jl,_",..,,~,..,~__,_ ~,~y., '<'_- SHERIFF'S RETURN - OUT OF COUNTY "CASE NO: 2001-03500 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND U S BANK NATIONAL VS GRAY MICHAEL L 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: GRAY NANCY L 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 September 4th, 2001 , this office was in receipt of the attached return from DAUPHIN Sheriff's Costs: Docketing Out of County Surcharge Dep Dauphin Co 18.00 9.00 10.00 25.50 .00 62.50 09/04/2001 MARK UDREN S~~/~ R. Thomas Kline Sheriff of Cumberland County Sworn and subscribed to before me thl" s J';l '""'- d f.l L - ay 0 "yr.-::.... .2&-0 I q.{'.. A.D. {J 'J:h, II'... / ,/,tf:- Prothonota'Y Y1fi,. , ,."ih~"~ ", _,~~ ,_,_ _ i'" , ~,"_ it 1 ~- , . . In The Court of Common Pleas of Cumberland County, Pennsylvania US Bank National VS. Michael L. Gray et al SERVE: Nancy L. Gray No. 01 3500 civil Now, July 31. 2001 , 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. ~~~R Sheriff of Cumberland County, P A Affidavit of Service Now, ,20_, at o'clock M. served the within upon at by handing to copy of the original a 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 $ $ s' .. @ftire of flyr ~4r~iff . , - William T. Tully Solicitor J. Daniel Basile Chief Deputy Mary Jane Snyder Real Estate Deputy Michael W. Rinehart Assistant Chief[)eputy Dauphin County Harrisburg, Pennsylvania 1710 1 ph: (717) 255-2660 fax: (717) 255-2889 Jack Lotwick Sheriff Commonwealth of Pennsylvania US BANK NATIONAL vs County of Dauphin GRAY NANCY L Sheriff's Return No. 2094-T - -2001 OTHER COUNTY NO. 01-3500 AND NOW: August 28, 2001 at 11:17AM served the within COMPLAINT IN MORTGAGE FORECLOSURE upon GRAY NANCY L by personally handing to JEN COOPER, PERSON IN CHARGE 1 true attested copy(ies) of the original COMPLAINT IN MORTGAGE FORECLOSURE and making known to him/her the contents thereof at 1101 MARKET ST. ROOM 370 HARRISBURG, PA 17103-0000 Sworn and subscribed to So Answers, Jf~ Sheriff of Dauphin County, Pa. BY~~ Deputy Sheriff before me this 28TH day r\ AUGUST, 200:). ~ C-. [fJaM,ui) PROTHONOTARY Sheriff's Costs: $25.50 PD 08/03/2001 RCPT NO 152701 HOPKINS ':i . ,_.r ~, . '- .j'" r ' ,-., ~:..,>';:_J:',;'.." / ..,. \. , MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 ATTORNEY FOR PLAINTIFF u.s. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998 -1) . . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County Plaintiff . NO. 01-3500 civil Term v. Michael L. Gray Nancy L. Gray Defendant(s) PRAECIPE TO SUBSTITUTE VERIFICATION TO THE PROTHONOTARY: Kindly substitute the attached Verification for the Verification attached to the Complaint in Mortgage Foreclosure with regard to the captioned matter. MARK J. UDREN & ASSOCIATES DATED: October 2, 2001 Mark J. Ud ; Esquire Attorney for Plaintiff ,~1!, . .0_"'_' ~. ~-1''''''''' ~. ~i'~;>';-;'!';j! ^~ , V E R I F I CAT ION The undersigned, an officer of the Corporation which is the plaintiff in the foregoing Complaint or an officer of the Corporation which is the servicing agent of Plaintiff, and being authorized to make this verification on behalf of the plaintiff, hereby verifies that the facts set forth in the foregoing Complaint are taken from records maintained by persons supervised by the undersigned who maintain the business records of the mortgage held by Plaintiff in the ordinary course of business and that those facts are true and correct to the best of the knowledge, information and belief of the undersigned. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Date: ::51..)\'0 ~l~\ ~t~ N~e : .('0., TJ.tle: ~\~___A wi.\~ii1:i;;, Company: ~..~ a,..,lI')~ ~;:<m"ii'l"lR>>:!i;;!1,,,."wc~,.~"~,. ~""""!". _,0 . ~~ _ ~=o_ ,~ """'"I I ~. ~~" , . " f.~~.,"~=~~,~"l. \1'""""'''''''''''''''''''''''''''''''''''.r.''T~'I_'~'"''''''''',"",,=- -~~-~,-='~- ""'~~"'-,-,c-,>__," "~.~~~~,"~., " ,"'~ -"".' -"--"~' "'" ,- '=d,F~' <,' ~~., ~ ,-~,~,." - If-@i~if" 0 C ~ c: ,., <' 'T', -OED 0 .-"'! nlIT; r> 'j"" ~~J;i -l ~'";~ u3:?- 00 ::":~t~ ~' "'"''', ~'-:1 (:.l KC """ 0 ):> ..--~ -",.. ('[;;.2J 2:" ~. :::t>() ":3:() c: 'R >--:::f"n '-' 1.0 2: -~ =<! 5J -< I I I' ,I I! Ii I' H L I I " Ii ..,.>-1 ,I I,! !i Ii Ii 'I' I ! I u i,1 I, --".=-...,"-~-~." ~"" ."_", '~'='__""I,"~...."",_~;~'r",'f1""?""i\"h""'o",__~,,;, f"'':''-'~''':\'~''!f'.j;!f1Ji~'lJJ!~_:-''~,~jjI(l!itl~m_iiiJ!!IB~ n ~_,~~_~__~~Jl1!IiF ~ , I MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff "":" "- ATTORNEY FOR PLAINTIFF . . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County . NO. 01-3500 Civil Term v. Michael L. Gray Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Defendant (s) PRAECIPE TO FILE PROOF OF SERVICE TO THE PROTHONOTARY: Kindly file the attached Proofs of Service with regard to the captioned matter. Date: December 6, 2001 ,,,,,,,,~,~~,",~,,'",,,lil"'~'fiL=~~,~_~",", ~~.~~,.~ ~,,~ ~~-=T~-'~ MARK J. UDREN & ASSOCIATES BY:~ Mark J. Udren, ESQUIRE Attorney for Plaintiff -, ,-v- '. .. L7~ --......J, Service of Process by US.Bank National FKA Fil'St Bank National Association, e-t. aI., PI'-inHlI(s) APS International, Ltd. 1-800-328-7171 .vs. Gray, et. al., Defelldant(s) , APS International Plaza 7800 Glenl'oy Rd. Minneapolis, MN 55439-3122 AFFIDA VITOF SERVICE n Individual MARKi. UDREN Service of Pl'OCess on: --Nancy L. Gray . Conrt Case No. 01-3500 Civil Term MB. Alice Dick 1040 North Kings Highway Snite 500 Chel'ry HUt NJ 08034 ~S~t;o~5>;Vl~~'11 ~Q-~C: - ls:' - - ~ - - - - - - - - - -- - - - - - - - - - - - - - - - - County 01': O-ifl:\vJYf;tlr/ ---1 . Name 01' Server: ,. ~~ b..lll~ h (\ S6 n . undersigned, being duly sworn, depose~ and .says that at the time of serVIce, s/he was over the age of twenty-one, was not a party to thisaclIon; Date,'Time of Service: that on the Rdayof 100 VQ ""'" 6~ r ' , t:oa.l-. at 4:'3 5O'clock 1? M Place of Service: atllOI VIJlI1r(LRJ-.")f f(W\ 3}O ,cityof l--!o.fr-tS bl.<-' ,stateof r0>.. Documents Served: .. Service of Process on: Person SerVed, and Method of S~!"vi('e: Descl'iptionof,Person Receiving Documents: . . Signature of Server: the undersigned served the documents described as: Notice ofShel'iff's Sale of Real Property A tme and correct copy of the aforesaid document(s) was served on: Nancy L Gray By personally delivering them into the hands of the perso!! to be se!"ed. o By delivering them into the hands of suitable age and discretion residing at the Place of Service, whose relationship to the person to be served is , a person of The person receiving documents is described as follows: Sex --E; Skin Color W. ; Hair Color B{ 0 ^ OR ; FacialHair ;J \J Approx. Age ?J S ; Approx. Height 5 -0- " ; Approx. Weight I r-S- o To the best of my knowledge and belief, said person was not engaged in the US Military at the time of service. c;: (",- ~ Se :=:> . . Undersigned declares under penalty of perjcry that the ore ing is tm and correct 0; Zlbi Si /. ir1L (Dale) 11, ?""T'" _ > __ ,L,..'" :,. ,~. _ ~ '", o~ r , ., US BaIfk Nation~1 FKA Fh'st Bank National Association, et. at, 'PI.hntilI(s) YS. Gra)', d. at, befendant(s) Service of Pl'Ocess by APS International, Ltd. 1-800-328-7171 APS International Plaza 7S1l0 Glenroy Rd. Minneapolis, MN 55439.3122 AFFIDA VlT OF SERVICE -- Individual MARKJ, UDREN Sel'Vice of Process on: --Michael L. Gray Conrt Case No. 01-3500 Civil Term Ms. Alice Dick 1040 Nol1h Kings Highway Snite 500 Chmy Hil~ NJ OS034 -S~l;O~ -~~~~(I;"--^;":'- )-ss~ - - - - - - - - - - -,- - -- -- - - - -.- - - - - - -- Conntyof: . '~"4P ~ .) Name of Sel:"er: cJ ".....P,~ }2'.. J(f J,.~ .!\(\"y-.. , nndersigned, being duly sworn, deposes and says that at the time of service, slhe was over the age of twenty-one, was not a party to this action; Daternme of Service: that on the ~dayof MOIN.."jk~,( ,2aJL, at L(!aS-O'clock-r}- M Place of Service: at {7.,'-/- ({ Y' {<.bR,. . city of lVI, J J (<€ low Y1. ,state of .a.. Documents Servell: Service of Process on: Person Served, and Method of Service: Descl'iption of Person Receiving Docnments: Signature of Server: ,~ "__._"~ c . " "_ the nndersigned served the documents described as: Notice of Sheriff's Sale of Real Property A tme and correct copy of the aforesaid document(s) was served on: Michael L. Gray d!i, ypersonally delivering them into the hands of the person to be served. ..---.. .. ~y delivering them into the hands of 1 0 I fA (: 0 It "-l.1r 5: suitable age and discretion residing at the Place of Service, whose relatiouship to the person to be served is N e L ;l~~ iVc'+h. , a person of k or-- The person recRiving documents is described as follows: I Sex...:E; Skin Color W . ; Hair Color ~J 1\1",".1 ; FacialHair (\J /?) Approx. Age if D' 4,,; Approx, Height <)' /0 ' I ; Approx, Weight I 4S' o To the best of my knowledge and belief, said person was not engaged in the US Military at the time of service. Undersigned declares nnder penalty of perjury that the for oing is rue and correct. Subscribed and sworn to before me this day of '~ (Date) APS File #: 049365.0002 ,~..~ .~- ,..,...."............... :-~< -,'h".,", .'""""'?->-".sJ~:"';;::.,L '.'.'~'~~ '-," .~ - ,- I D 0 ,~,,- (;. C :;;:-:---" ::::::J D ~l~1-: .. , ~ ;U) lO :.?~C (\ (J] -,:' ---<, r::: , ;::; - ~~t--:;, ~' C~ ,-'i ::2'~ =) 0 -~ en ., 0 V1 :b ) & 1IIl~~~, ", _""'"""l"i$L"R'l\1, f,......,..:l,t:;,li;M~~:!f1;I'~""&,M';W-~W,~"l"fi'"l!"Rf:'''"'1.''!,''';;'1i1'*~~f~~ll'tF.'!-~'"')!'.m'~~"'r.~~'~!I!J!t!Im!~~ r' MARK J. UDREN & ASSOCIATES '" .. BY: Mark J. Udren ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 ATTORNEY FOR PLAINTIFF U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County v. Michael L. Gray Nancy L. Gray :NO. 01-3500 civil Term Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Defendant{s) AFFIDAVIT OF SERVICE PURSUANT TO Pa.R.C.P.RULE 3129.1 Plaintiff, by its/his/her Attorney, Mark J. Udren, Esquire, hereby verifies that: 1. A copy of the Notice of Sheriff's Sale, a true and correct copy of which is attached hereto as Exhibit "A", was sent to every recorded lienholder and every other interested party known as of the date of the filing of the Praecipe for the Writ of Execution, on the date{s) appearing on the attached Certificates of Mailing. 2. A Notice of Sheriff's Sale was sent to Defendant{s) by regular mail and certified mail on the date appearing on the attached Return Receipt, which was signed for by Defendant (s) on the date specified on the said Return Receipt. Copies of the said Notice and Return Receipt are attached hereto as Exhibit "B". 3. If a Return Receipt is not attached hereto, then service was by personal service on the date specified on the attached Return of Service, attached hereto as Exhibit "B". 4. If service was by Order of Court, then proof of compliance with said Order is attached hereto as Exhibit "B". All Notices were served within the time limits set forth by Pa Rule C.P. 3129. 1 This Affidavit is made subject to the penalties Of/18 pa!e.s. Section 4904 relating to unsworn falsification to authorities.: [' Dated: February 13, 2002 MARK A. UDR~N & ASSOCIATES , , i \ BY: i Mark J. U~ren, Attorney for PI Ot~~,4,..~.", " , ~ - 1"1" , '. ~ ~, ^ ~ "~~"~, ;~l'''~'i''l!'''N MARK J. UDREN & ASSOCIATES BY: Mark J. Vdren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998 -1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 01-3500 Civil Term v. Michael L. Gray Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Defendant(s) DATE: October 23, 2001 TO: ALL PARTIES IN INTEREST AND CLAIMANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY EXHIBit A OWNER{S): MICaAEL L. GRAY & NANCY L. GRAY PROPERTY: 431 N. 2nd Street, Wormleysburg, PA 17043 Improvements: RESIDENTIAL DWELLING The above captioned property is scheduled to be sold at the Cumberland County Sheriff's Sale on March 6. 2002, at 10:00 A.M., at the CUMBERLAND COUNTY COURTHOUSE, 1 COURTHOUSE SQUARE, CARLISLE, PA. Our records indicate that you may hold a mortgage or judgment on the property which will be extinguished by the sale. You may wish to attend the sale to protect your interests. A Schedule of Distribution will be filed by the Sheriff on a date specified by the Sheriff not.~ later that 30 days after sale. Distribution will be made in accordance with the schedule unless exceptions are filed thereto within 10 days after the filing of the schedule. "~~"'1_~~~__ ,~, .~I)>', ,~....,,,'t';.~- ~"".._ ,- I ~.~-, ~..".,.....,~ ,,,".....' . ~~ -~ . ."-.~- ,-, !i'!J_ "'"''"'''-)~''' ~ ~ r--{ Iii" S. [!!!. ~E en1l- ~ ~ ~ ~ "-0 ~ - ~" 1;' n ~ o lJ CJ) ." o 3 w '" .. :-' ." CD CT 2 ,,-{ III ~ 0 -< ~ e: ~ <'z ~ ~l: ... m3 ~~l~~ 3ln n ~ ~ 0 ." o ~ 3 ;;: c Ul ;; ~o CD,. i\' o il o ;::. 3 s' ." '" iO W S" { s- a." ~ ~ \.!2. ~ ." 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Q.;' ~ "- " g DDitD liT " lQ ~~g.~ (II !:::! -Ill- iil ;0::1 c: en C1I 0..3 cnncn;:o 3:;0 CD (D ~ a n ;r =~ ~. ~ 0- 1!- ~ . ~~ODS'9 .a = <<;;'" ~ (1IeS ~~!:~ ::r::T(llm ~~~:g ~6"'O !e.3:a ;;:c ,!"'" g !!!.!!t"[ ~~ a:'1f~~ !.li [~. E: c; ~ 0 ~ ~ n _ m ~ ~ <iil~ 0' !!!.c: <tI .. a! 0" ::;;ffi ~ 8~ ~ oaQ ~ 5- ~ .,,:;0 ~ m;o~ . '" ~ 'TlOO'S' li!:J - ,,(J) ~' ..;r " ~[:!!. 3 0 III ~ ;!- o ;:' ~ "~"-L~~" ~nl> ~a:~ 6"ff~ ~ m m !!!.CD3 no'" 0_" '2.3 (ll Dl !.a o 5'~ -(Q -. _ ,0 2:~~ o ~~ ".<>"- ~"'g: '""""""- . MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 0430.2 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 ATTORNEY FOR PLAINTIFF U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust. 1998-1) 10401 Deerwood Park Blvd. . MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff . . COURT OF COMMON PLEAS : CIVIL DIVISION . Cumberland County . NO. 01-3500 Civil Term v. Michael L. Gray Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Defendant (s) PRAECIPE TO FILE PROOF OF SERVICE TO THE PROTHONOTARY: Kindly file the attached Proofs of. Service with regard to the captioned matter. MARK J. UDREN& ASSOCIATES Date: December 6, 2001 BY:~ Mark J. Udren, ESQUIRE Attorney for Plaintiff EXHIBIT.B ,~"'" ~~, . ",- IT " - ~ "'- US Bank National FKA mrtlt Bank Nntioual Assodatiou, et. al, 'PlaintilIl'> ,V5. GI"ay, et. at, Defeudl:lut(:s) I .,,[ '"lMO Nol'tb King::i Highway Suite 509 " Che..-y Hil~ NJ 08034 , : '. L?~~ ~ .'\!J' Service of Process by APS International, Ltd. 1-800-328-7171 APS Intematioual Plaza 7SQO Gleul'oy Rd. Mioneapolis, MN 55439-3122 AFFIDAVIT OF SERVICE -- Individual MARIO: uDREN Service of Proce:)1) ou: Ms. Alice Dick --Nancy L. Gray , COllrt Case'!'lo. 01-3500 Civil Term ". -S~t;O;:;P;",:;:";~I~Q-~~ - )SS~- - - - - - - - - - ~.-- - - ~-: - - - - - - - -- -- COllntyof: bJltV.-P/lltV --.J . . . . Name of Serve,':, ' " \~ {" \7' <J6 h (\ S6n . undersigned. being duly sworn, deposes and says tuat at the time of service, s!he was over the age of twenty-one, was not a' party to this action; DalWTime of Service:, that on the D-day of /00 0'1 """. b ~ (., . ~o.+.. at 4: '3 5O"c1ock yo 111 Place of Service:' at Ii D,( VVlMlu}s>, f RW\ "3 t-o ,city of I-!o rr-L5 ~ u. -' ,state of r~ Documents Served:.. Service of Process on; Person Served, and Method of S-el"vice: Description of-Person Receiving Documents: Signoture or Sel"Ver~ the nndersigned served the documents described as: Notice of Sheriff's Sale of Real Property A tme and correct copy of the aforesaid document(s) was served on: Nancy L. Gray By personally delivering them into the hands of the person to b~ served. ., ',' j ..'.' , o By delivering them into the hands of suitable age and discretion residing at the Piace of Service, whose relationship (0 the person to be served is , a person of The persoJl receiving docnments is descnoed as follows: Sex k; Skin Color W ' ; Hair Color (3, ( C Il r:J..p ; Facial Hair tJ tJ Approx. Age ?J S- ; Approx. H"ight' 5 ,.:::,- r, : Approx. Weight ( rT 0_ To the best OflllY knowleclge and belief, said person was not engaged in the US Military at .tuetimeofservice: G{C\.;>5e~ . , ' Undersigned declares nnder penalty of petjury that the oreo ing, is tru and correct ZL:o-1- I- 1m (Date) APS File #: 049365~OOOl EXHIBIT B US Bank National FKA Find Bank National Association, et. aI., Plaintiff!,) v,s. ; Gray, it. at, 'Defendant(:5) ,w, Service OfPl'Oce55 by APS International, Ltd. 1-800-328-7171 =-..L~ INn,16,,!'ln.~',{t -;~f-~ ".'.tn ,~' '7. APS International Plaza 7800 Gl.nroy Rd. Minn.apolis, MN 55439.3122 AFFIDAVIT OF SERVICE -- Individual Service of Process on:' MARK J. UDREN M,. Alic.. Dick 1040 North King' Highway Suit. 500 Cherry' Hil~ NJ 08034 ..Michael L. Gray Court Case No, 01-3500 Civil Term -S;;{t;o~ ~;~I::(C; ~,- )SS~- - - - - - - - - - -.~ - - - - - -- - - - - - - - - -- Connty of: "~"'1P ~) Name of Server: c)"',v.....J.. )Z J(f }...... .'~'t\'n ' undersigned, being duly sworn, deposes and says , . that at the time of service, s/he was over the age of twenty-one, was not a party to this action; Date(I'imeofService: that on the .1Ltltlayof !\JO/N"",/ku,{ ,2aJL.at l(:~o'clock-n- M PIllce of Service: at 17.- <I fL..1< fJR. , city ofM, d J (<i fr;w Y1. ,state of ~ Documents Served: the undersigned served the documents described as: Notice of Sheriff's Sale of Real Property Service of Process 011: A true and correct copy of the aforesaid document(s) was served on: Michael L. Gray , ' ~ . tD ypersonally delivering them into the hands of the person to he served. -- '. ~y delivering them into the hands of. ( D I" ( 0 It "'-L'r S snitable age and discretion residing at the Place of Service, . whose relationship to the perSon to be served is n e L;utl( W,'+f.. , a person of Person Served; .nd Method of Service: lAo-I-- Description of-Person Receiving Docnments: The person ,receiving dOCllments is described as follows: / . Sex..:..\S., SkinColor W .' ; Hair Color ~J AI..... J ; FacialHair N (") ApproL Age If D' 4'); Approx. Height ')' /0 'I , Approx. Weight i '-is- o To the best of my knowledge and belief, said person was not engaged in the US Military at the time of service. Signature of Server: Undersigned declares under penalty of peljury that the for oing is true and correct Subscribed and sworn to before me this /9 clay of , Zc:2.I- (Date) APS File #: W9365.0002 EXHIBIT B - <"",,~ ., 'I' ,r -~ ~ . ,n, O~ ~,U_ .,~; _ ""' ,,~_~~!lI!ll!!li!'/.'W,,:"Ie~ ~'," C) C^ c l'-' - [i~ I ~ ." , ~ L. 0- (f-e! ~ & -.- ~i ~ ./,~- ~ (,,0 .>-' c::: W :..:::; -") , -" \^ :-~ 3 \ ~ - ' ~--.n , - ",", (,;\ Mnnljltl ;,_ " ~'J~,<'w:'-e:"",T';?'?;,;;<!,,?~fj'~'WAj;'f~~l",, ",_~\W,~,~"tI!l!M~ '_,.~:," '~~. ,,",:,,~ u.s. Bank National f/kIa First Bank National Association, TR UI A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) VS Michael 1. Gray and Nancy 1. Gray -,. In The Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2001-3500 Civil Term R. Thomas Kline, Sheriff, who being duly sworn according to law, states this writ is returned STAYED pursuant to instructions from Attorney Mark 1. Udren, Sheriff s Costs: Docketing Surcharge Posting Handbills Law Library Prothonotary Share of Bills Mileage Levy Out of County Dauphin County Advertising Certified Mail Poundage Law Journal Patriot News 30.00 30.00 15.00 .50 1.00 24.20 10AO 15,00 9.00 34.25 15.00 2.35 17.26 367.70 308.70 $880.36 Paid by attorney 4-22-02 Sworn and subscribed to before me This ~ day of 7'hr 2002, AD. Gy-,- 0 'fn..ti..,,; lift] Prothonotary -;~."l!lifrI! I'" so~. swers: n ,,-~~-., . R. Thomas Kline, Sheriff BY -JocLy ~ Real Estate Deputy I,,;\) Ck. :;J(.~01 ~. 12'174D - ~~~ '" w,_ _ .' , MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS .HIGHWAY, SUITE 500 CHERRY HILL,. NJ 08034 856-482-6900 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 ATTORNEY FOR PLAINTIFF . . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE Plaintiff v. Michael L. Gray Nancy L. Gray Michael L. . Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 . NO. 01-3500. Civil Term 'I Defendant{s) . AFFIDAVIT PURSUANT TO RULE 3129.1 U. S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1), Plaintiff in the above action, by its attorney, Mark J. Udren, ESQ., sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at: 431 N. 2nd Street Wormleysburg, PA 17043 1. Name and address of Owner(s) or reputed Owner{s) : Name Address Michael L. Gray 124 Park Drive, Middletown, PA 17057 C/O YMCA, 1101 Market Street, Room #370 Harrisburg, PA 17103 2. Name and addless of Defendant(s) in the judgment: Name Address Nancy L. Gray SAME AS # 1 ABOVE 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address NONE 1!4~,"''''''Y'~~_' ,1lll!il1l,. ~ ~ i1IiL .. "~:I " ~ """"" ~~ ='I'~'~~ .~~,- R,TI~ _]~ tt,~ ., ' ~ ,,'~ ,.~ ,!!-rt,.."'" 4. Name and address of the last recorded holder of every mortgage of record: Name Address Plaintiff herein. See Caption above. Equicredit Corp. Of PA 600 N. 3rd St., harrisburg,PA 17101 5. Name and address of every other person who has any record lien on the property: Name Address NONE 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: Name Address Real Estate Tax Dept. 1 Courthouse Sq., Carlisle, PA 17013 Domestic Relations Section 13 N. Hanover St., Carlisle, PA 17013 Commonwealth of PA, Department of Revenue Bureau of Compliance, Dept. 280946 Harrisburg, PA 17128-0946 7. Name and address of every knowledge who has any interest the sale: Name other person of whom the plaintiff has in the property which may be affected by 'I Address Tenants/Occupants 431 N. 2nd Street, Wormleysburg, PA 17043 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. sec. 4904 relating to unsworn falsification to authorities. DATED: October 2, 2001 ark J. Udr Attorney for \ ,-,--""~ .~ , " 1--1"-- 'N, . , ~N~ ~~-, ~~, " ':<' ~~ ~-,,~ MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County : MORTGAGE FORECLOSURE Plaintiff v. Michael L. Gray Nancy L. Gray Michael L. Gray l24 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 . . NO. 01-3500 Civil Term Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Michael L. Gray 124 Park Drive Middletown, PA 17057 Your house (real estate) at 431 N. 2nd Street, Wormleysburg, PA 17043 is scheduled to be sold at the Sheriff's Sale on March 6, 2002, at 10:00 A.M. in the Cumberland County Courthouse, 1 Courthouse Sq., Carlisle, PA, to enforce the court judgment of $77,422.57, obtained by Plaintiff above {the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE TO prevent this Sheriff's Sale, you must take immediate a~tion: 1. The sale will be cancelled if you pay to the charges, costs and reasonable attorney's fees. you may call: (856) 482-6g0Q mortgagee the back payment, late To find out how much you must pay, 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) ",'[~,JII--~l,;j$ , , ' , " , ~, _r--::.,,- ~~,,", v~ ~~" yOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-482-6900. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call 856-482-6900. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT !!AVE A LAWYER OR CANNOT APFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 ASSOCIATION DE LICENCIDADOS DE FILADELFIA Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 ~fl ~- , ".~. 'or - ~= J ""~"",_. ,< 4;0'" . MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1), 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE Plaintiff v. Michael L. Gray Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 . . NO. 01-3500 Civil Term Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Nancy L . Gray C/O YMCA, 1101 Market Street, Room #370 Harrisburg, PA 17103 Your house (real estate) at 431 N. 2nd Street, Wormleysburg, PA 17043 is scheduled.to be sold at the Sheriff's Sale on March 6, 2002, at 10:00 A.M. in the Cumberland County Courthouse, 1 Courthouse Sq., carlisle, PA, to enforce the court judgment of $77,422.57, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be re1isted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABI,E TO PREVEN'I' THIS SHERIFF'S SAT,E To prevent this Sheriff's Sale, you must take .immediate action: 1. The sale will be cancelled if you pay to the charges, costs and reasonable attorney's fees. you may call: 18561-482-6g00 mortgagee the back payment, late To find out how much you must pay, 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) ~,~~~ ~ I'" ~r ,~ ~~ .' '"~~ YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-482-6900. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call 856-482-6900. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home 'back, if you act immediately after the sale. YOU SHOULD TAKE THIS E'APER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE. GO TO OR TELEE'HONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELE'. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 ASSOCIATION DE LICENCIDADOS DE FILADELFIA Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 ""I , ,.,~ .- P-""'~-'- ,~ - '" " , , ALL THAT CERTAIN LOT OF LAND FORMERLY SITUATE IN EAST PENNSBORO TOWNSHIP~ BUT NOW IN THE BOROUGH OF WORMLEYSBURG, CUMBERLAND COUNTY, PENNSYLVANIA, KNOWN AND DESCRIBED AS LOT NO. 94 ON PLAN NO.3 OF EDGEWATER. SAID PLAN BEING RECORDED IN CUMBERLAND COUNTY RECORDER'S OFFICE IN PLAN BOOK 1, PAGE 71. SAID LOT IS MORE pARTICULARLY BOUNDED. AND DESCRIBED AS FOLLOWS, TO WIT: BEGINNING AT A POINT ON THE EASTERN LINE OF SECOND STREET AT THE DIVIDING LINE BETWEEN LOTS NOS. 94 AND 95 ON SAID PLAN, SAID POINT BEING 400 FEET MEASURED NORTHWARDLY ALONG SECOND STREET FROM THE NORTHEAST CORNER OF SECOND AND ELM STREETS; THENCE IN A SOUTHERLY DIRECTION ALONG THE EASTERN LINE OF SECOND STREET 25 FEET TO A POINT ON THE DIVIDING LINE BETWEEN LOTS NOS. 93 AND 94, SAID DIVIDING LINE PASSING THROUGH THE CENTER OF THE PARTITION WALL ,OF THE DOUBLE TWO STORY BRICK AND FRAME DWELLING ERECTED IN PART UPON THE LOT HEREIN DESCRIBED; THENCE IN AN EASTERLY DIRECTION ALONG SAID LAST MENTIONED LINE 150 FEET TO RIVER ALLEY; THENCE IN A NORTHERLY DIRECTION ALONG THE WESTERN LINE OF RIVER ALLEY 25 FEET TO THE DIVIDING LINE BETWEEN LOTS NOS. 94 ~ 95 ON SAID PLAN; THENCE IN A WESTERLY DIRECTION ALONG SAID LAST MENTIONED LINE 150 FEET TO THE POINT OR PLACE OF BEGINNING. AND THEREON ERECTED THE NORTHERN HALF OF SAID TWO STORY BRICK AND FRAME DWELLING HOUSE KNOWN AS 431 N' SECOND STREET. UNDER AND SUBJECT, NEVERTHELESS, TO RESTRICTIONS, CONDITIONS AND EASEMENTS OF PRIOR RECORD PERTAINING TO SAID PREMISES. BEING KNOWN AS 431 NORTH 2ND STRE:ET, WORMLEYSBURG, PA 17043 PROPERTY ID NO.: 47-19-1588-091 TITLE OF SAID PREMISES IS VESTED IN MICHAEL L. GRAY AND NANCY L. GRAY, HIS WIFE, BY DEED FROM STANLEY O. HAFNER AND ALMA G. HAFNER, HIS WIFE. DATED 07/05/1984, RECORDED 07/05/1984, IN DEED BOOK T30, PAGE 873. 'r,R~."", ,,' ^ -~, , . WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO. Ol ~'iOO CIVIL 1~--TI:.RM CIVIL ACTION - LAW TO THE SHERIFF OF Cumberland COUNTY: To satisfy the debt, interesf and costs due U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EX;lCC Hane Equity Loan Trust 1998-1) PLAINTIFF(S) from Michael L. Gray, "iJy24::Park DriVe',',yMiddletown, PA 17057 and Nancy L. Gray, C/O YMCA, 1101 Market Street, Roan #370, Harrisburg, PA 17103 DEFENDANT(S) (1) You are directed fa levy upon the property of the defendant(s) and to sell SP.P. Lp.gfI1 DP.sr.dption (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notKy the garnishee{s) that: (a) an attachment has been issued; (b) the garnishee{s) is/are enjoined from paying any debt to or for the account of the defendant(s) and from delivering any property of the defendant(s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notny him/hertha! he/she has been added as a garnishee and is enjoined as above stated. Amount Due $77 ,422.57 LL from 10/3/01 to date of sale 3/6/02 Interest .EeJ;..diem e $' 8 78 - $? 8~~ 4n Due Prothy Atty's Comm % Other Costs $.50 $1 no Atty Paid Plaintiff Paid 5273.50 Date: October 18JQQL.... -bY: Curtis R. Lonq Prothonotary. Civil Division ~ /J ~ fJ. ~1J4(:ri-< r Deputy REQUESTING PARTY: Name Mark J. Address: 1040 N. Udren, Esq. Kings Highway, Suite 500 Cherry Hill, NJ 08034 Attorney for: Plaintiff Telephone: _ 856-482-6900 Supreme Court 10 No. 0.8034 - . .. ,~ ... .,- ~ -.H",. T~I!.j)".+, ~..,."'~'I'~MO'r~" ~ ,-=' , ~, , ,I ~ ~, ,. . ~ o~ ",' ~ y~'~ 'I' ~, ~.~"' 1 REAL ESTAtE SALE No. Co On October 29,2001, the sherifflevied upon the defendant's interest in the real property situated in Borough ofWorm1eysburg, Cumberland County, PA, known and numbered as 431 N. 2nd Street, Worm1eysburg, and more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: October 29,2001 By: Qt}(LJ 5. S~ ReaCE~tate Deputy ~ ~ ~ ~ o cS .-', ' ; , ',1 ~';, ~'\ \^.' \,~' \ ," C \'- \ \:;t \..1 \0, ,I., ' ~\,\ .. ~~\\\;\ ~)\ ~'J~ " 'I"! " ,\~;\\:I ~ "Wj~ _,,~~~~U~ft'lf;oI11\<lW_~IIJ-~#*,~,~~"!>1!ff'!l~~,mt<)'j!'l'.€~~'\.'~~-?;'?,<',1~,m"V";"$,\':f"':",:';"-"~"}U;"~)'H'M"'Ii''",,,~,,ll\-Ifu'W%,",-iA~"'~'t:;;;"p,qr''!'''';;''<fIjf''ji;~",<:''J1~m'~~,:~iJll;'',;' .. . "- ". THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Michael Morrow being duiy sworn according to law, deposes and says: That he is the Asst. Controller of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and pUblisher of The Patriot-News and.Itle. Sundav Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously pUblished ever since; That the printed notice or pUblication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Metro editions which appeared on the 29th day{s) January and the 5th and 12th day{s) of February 2002. That neither he nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, piace and character of publication are true; and That he has personal knowledge of the facts aforesaid and Is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. PUBLICATION COpy S ALE #6 Notarial Seal Terry L Russ~ll. Notary Publlc Harrisburg, Dauphin County My Commission Expires June 6. 2002 Member, Pennsylvania Association Of Notan CUMBERLAND COUNTY SHERIFFS OFFICE CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA. 17013 ; , Statement of Advertising Costs' To THE PATRIOT-NEWS CO., Dr. For publishing the notice or publication attached hereto on the above stated dates $ Probating same Notary Fee(s) $ Totai $ 307.20 1.50 308.70 ,>,' , Publisher's Receipt for Advertising Cost The Patriot News Co., publisher of The Patriot-News and The Sundav Patriot-News, newspapers of general circulation, hereby acknowledge receipt of the aforesaid notice and publication costs and certifies that the same have been duly paid. By.................................................................... ..-'" .' . , , C' ilEAL ESTATE SALE No, 6 , WrIlNo.2001-3500 ClvllT.rm . . . . . . , . , u...s,.,~.!)k Nellone' 11kIll! Elmraa,kNatlonm . . Assoclalion, TR. UIA DTD 511198 (EOCC Ham. Eqully loen Trust 1898.1) . '.V8 ~ch.~. L, Gray ,,' .., Nancy L, Gray . ... Ally: "1erk J, Udren DESCRIPTION .... . AlL THAT CERTAIN lot of land formerly "situate: in East PetlhsfJoro TOWnsbip, but now in , ,the, , BOIUl!gh.. ..I;/,( WOrmley'sbu'r~ Cm'nberland >, C6Ui1ty, Pelll1sylVarna; knoWll and descn"bed as ':,J4.No. 94 on Plat No.3 ofEdgewater. Said Plan ,belng reco:l'ded' in" 'Cu'Inber];pld County Re:order's Office in Plan Book I, Page 7[, Said ~:-tons:" rriO'iejiarticuliiilfboullded and de.'>Cribed as ':fQ1fows iowit: " " . BEGINNING at 'a 'pUint on the Eastern [hie of Second Street at ,the dividing line between Lots "Nos. 94 and 95 QIl said Plan, said point being 400 feet measlired Nor$wardly along Second 'Street " iron1' the Northeast c,cim~r of Second and Elm . Stree,ts; thence in a Southerly dlrc~tlon along the : Eastein line of Second Street 25 feel to a point on : the dividing line between Lots Nos, 93 and 94, 'said divldingline paSsing through the center of .'the partition wall of the double r,..'(Htory brick ,and frame dwelling erected in part upon the lot .:herein described; thence.in an Easterly direction t 'along ,"s;md, J.ast mentioned line 150 feet to River . ~.AlIey; lhence in a Northerly direction along the : ,"'VeStriDL line, ,of ,River Alley 25 feet 'to the "'iliviiiin!'Oine bctw~di l.oti No. 94 and 95 oDnid . Plan.;..,thence in a.~;\ister1y direction aIon~ sllid :lastmentlonedfine 150feet,to the point or place of BEGINNING. , fu"ID TIlEREON e~ected the Northern half of , said two-story brick" and frame dwelling house , known as'"43l N. Second Street. " UNDER a'iid subject, nevertheless, to restrictions, "conditions. anci easements of prior record : pertainmg'tosaidpremises. 'BElNG known as 431 North Second Street,. :: Wormleysbnrg, PA 17043. , PROPERTY lDNc,: 47.19.1,88.09L TITLE of said premises is v~ted in Michael L Gray and Nancy L. Gray, his wife, by deed from Stanley Q. Hilfnerand Alma G. Hafner. his wife, dared 071OS1!984, recorded 07/0511984, in Deed . , & ~ ~ . \7 ~ ~~ ~ - ~, ~,^~ < " - '~~",' >~. ", . ~ "'~._"""-I"'"" ,. .V~'~'~^~~. ~" 'V'~'V"''''~''"'^'"> ""'0""_ ~"" -=~- /' , . " , "7 mMl~Il!!~~~4i.j1f.~,_'~~W'~~","':I~~"1'"",~'~)ji"-%,"-;\"\;;'<rc,,'~;!):'~'-<f';"''''',+'>>',",,1"iI'J%'!J1~~"!!~;;j;lij,;/t'1~f!'!iS'!\Ii&1':{'1l;'-'':~f'I,tm1!~~~~J$1a:~; PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 STATE OF PENNSYLVANIA : ss. COUNTY OF CUMBERLAND : Roger M. Morgenthal, Esquire, Editor ofthe Cumberland Law Journal, ofthe County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues ofthe said Cumberland Law Journal on the following dates, V1Z: JANUARY 25, FEBRUARY 1, 8,2002 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter ofthe aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. " SWORN TO AND SUBSCRIBED before me this 8 day of FEBRUARY. 2002 J:::Lot , t~-=- NOTAI'{lill SEAl ; ~ LO!S E. SNYDER, N~ ~uIlllc ! .~. ~"''"'',,-i-i'~!r.% Bom Cumtk'l'~""I'] CountY ... ~ , "".1 - . . '~-:i15. 2005 ' l My Co,;.l1ism-:JlI ~roo ,"""_. , ~ REAL ESTATE SALE NO. 8 Writ No. 200 1-3500 Civil U.S, Bank National f/k/a First Bank National Association. TR U/A DID 5/1/98 (EQCC Home Equity Loan Trust 1998-1) [5 to Vs. Michael L. Gray and Nancy' L. Gray Atty.: Mark J. Udren ALL 'IHAT CERTAIN lot of land formerly situate in East Pennsboro Township, but now in the Borough ofWorml~sburg. Ctunberland ColUl~ ty. Pennsylvania. known and de- scribed as Lot No. 94 on Plan No.3 of Edgewater. Said plan being re- corded in Cumberland County, Re- corder's Office in Plan Book 1. page 71. Said lot is more particularly bounded and described as follows. to wit: BEGINNING at a point on the eastem line of Sec..'Ond Street at the I dividing line between Lots Nos. 94 and 95 on said plan. said point be- ing 400 feet measured northwardly along Second Street from the north- east corner of Second and Elm Streets; thence in a southerly di- rection along the eastern line of Sec- ond Street 25 feet to a point on the dividing line between Lots Nos. 93 and 94. said dividing line passing -waugh the- center of the 'Partition wall of the double two story brick I and frame dwelling erected in part upon the lot herein described; thence in an easterly direction along said last mentioned line 150 feet to river alley; thence in a northerly di- rection along the western line of River Alley 25 feet to the dividing line between Lots Nos. 94 & 95 on said plan: thence in a westerly di- rection along said last mentioned line 150 feet to the point or place of beginning. AND THEREON ERECTED the northem half of said two story brick. I and frame dwelling house known as 431 N. Second Street. UNDER AND SUBJECT, never- theless. to restrictions, conditions and easements of prior record per- taining to said premises. BEING KNOWN AS 431 Norlh 2nd Street. Wormleysburg. PA 17043. PROPER"IY ID NO.: 47-19-1588- 091. TITLE OF SAID PREMISES IS VESTED IN Michael L. Gray and Nancy L. Gray. his wife. by deed from Stanley O. Hafner and Alma G. Hafner. his wife. Dated 07/05/ 1984. Recorded 07/05/1984, in Oeed Book T30. page 873. MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 ATTORNEY FOR PLAINTIFF U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 - . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE Plaintiff v. - Michael L. Gray -NO. 01-3500 civil Term Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/o YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Defendant(s) PRAECIPE TO REISSUE WRIT OF EXECUTION TO THE SHERIFF: Please Reissue Writ of Execution in the above matter: Amount due $77.422 57 Interest From October 3. 2001 11.278 76 to Date of Sale June 11. 2003 Per diem @$18.28 (Costs to be added) $ MARK J. UDREN & ASSOCIATES U en, ESQUIRE FOR PLAINTIFF .,~ , _ _ T1 ~ , " ~,,-,-p Oil 7J ~ W t 1>, + kf ~ "~ ,- - ~~ /:i:- l -- l.,J, ~ C "- ~ 6"- V) 0\ [5 CO ^ ", ~-- . -IQ. :-- ~ " ...... r- r- tv r I ~ [;:l ~ _ ~"'M N ~ ~ ~ '- ~"'i)i'--)t,;~ ~ ~~CI)y ~ f -..0 ~ (;:; \)C>~W!l}~O '. \)()()r--ocD~~8 I I ' r I I I I I r\tJ ,~,~~,~0r: ~:~~~~: i-~ ..... -.........."'~C\:J .~ o c: s: ""'OCn n1nl ~'-.,- :;;; rJ:~ Cqd?_ ~(:, ~f-,~ ;C.C 2: =< Co? r-, Cl n1 (") N en o "Tl :"~iTI '.:;m ""r, ;:~;~ <J(~ o,rn -. ~ -< ~ ~::"'-, :?l: Sl (::> ~"""'!!llllIf!"I!!!! , ." .c", _, _ iJI'l'l~~~,' _ '~',~-'l'!Wfj*ffl<Wfflj[<'P'!-~"f'iF~-j1~''''''H,,~>'4;f2l!1:1~~'R!'l'lW'~~l:i~;a~,''l~~ffl'1j~~~~!,.:t-,jf" 'r'<e""",","'''''''''''''-''.'- ",,- MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 U.s. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 ATTORNEY FOR PLAINTIFF . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE Plaintiff v. Michael L. Gray Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 - - NO. 01-3500 Civil Term Defendant(s) C E R T I F I CAT E Mark J. Udren, Esquire, hereby states that he is the attorney for the Plaintiff in the above-captioned matter and that the premises are not subject to the provisions of Act 91 because it is: An FHA insured mortgage Non-owner occupied Vacant X Act 91 procedures have been fulfilled. Over 24 months delinquent. This certification is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. . UDREN & ASSOC1ATES {-Mtilll'*lf!I ~ -\!'" _-.- ~ ~,.. ill ~ .~. "',',"",~l". ~, "-r- -..~.-~-"I r r 0 ~:::?I 0 c: "" ? ",-j ""0-"'; ':::J ,-. !JllT, tTl . r~ fT., f'J -. Z"', , zf 1'-':> _ ;71 V?_'''' 0' .:[:J ~E_:; >''--, " ~:j'-~) -;:;; ;t:l-'< , '. ZG ::I: '~1R )>0 9 t"'ffi [~ c: -,~) :7.: ~ =<! '-' [0 -< ~""""",.".1I!M !'"'I""'''''~~".~ ~~.,~~ ~ ,~~-,-~ ~~lr'4""'lm!~i!l!l\~~>'lIJL~> ~~~~. _'~~);;~,""m-;z~,""W7"""''-''E8;n!C''J)'';,-~,!!,,,':'''''''''.,'R''f,n'l''l'i''jli\'!'!'~~'''fI'''i:P"i'"'r'f.o"~~~''-"''I!''il'i'f~~Ifffl!!.~iR\' - . lilARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 ATTORNEY FOR PLAINTIFF . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE Plaintiff v. Michael L. Gray Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 - . NO. 01-3500 Civil Term Defendant{s) . AFFIDAVIT PURSUANT TO RULE 3129.1 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1), Plaintiff in the above action, by its attorney, Mark J. Udren, ESQ., sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at: 431 N. 2nd Street, Wormleysburg, PA 17043 1. Name and address of Owner(s) or reputed Owner(s) : Name Address Michael L. Gray 124 Park Drive, Middletown, PA 17057 Nancy L. Gray C/O YMCA, 1101 Market Street, Room #370 Harrisburg, PA 17103 2. Name and address of Defendant{s) in the judgment: Name Address SAME AS #1 ABOVE 3. Name lien on Name and address of every judgment creditor the real property to be sold: Address whose judgment is a record NONE "-^,,,," ,'clr "c'", - .. ~'", . 4. Name and address of the last recorded holder of every mortgage of record: Name Address Plaintiff herein. See Caption above. Equicredit Corp. Of PA 600 N. 3rd St., harrisburg, PA 171.01 5. Name and address of every other person who has any record lien on the property: Name Address NONE 6. Name and address of the property and whose Name every other person who has any interest may be affected by the Address record interest in sale: Real Estate Tax Dept. 1 Courthouse Sq., Carlisle, PA 17013 Domestic Relations Section 13 N. Hanover St., Carlisle, PA 17013 Commonwealth of PA, Department of Revenue Bureau of Compliance, Dept. 280946 Harrisburg, PA 17128-0946 7. Name and knowledge who sale: Name address of every other person of whom the plaintiff has has any interest in the property which may be affected by the Address Tenants/Occupants 431 N. 2nd Street, Wormleysburg, PA 17043 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. sec. 4904 relating to unsworn falsification to authorities. MARK J. UDREN & ASSOCIATES DATED: December 16, 2002 ),;~ ,. . ~ "'~"" ,~ " , -. ~~, l'i ~ .",,~i!il I I '<, "" '"'' '" ,,_.. " -'"'lr""'""'''''='lr'IJl',r''''''rr''' , .' . 0 c c: N ~ <- "'1'1 VITi 0 ;~[~~ mn" f"':(l ~?:-;:; C', N "1m (S un> 0'> ~.g? -<"'" r-r-c, K" :n> -IC) ,1.>,,--. ~;~ ;~ (() z",' :Jf.:: j;() S? c: 13rn 2: ~I ::;I <:::> :0 , -< ""I. 'IT"'~Jlf,Ir'l\lit;WIfI\UWi!lI\~"",*!f~""~~';j1l:JilF~'~'W"'?,:;"{i~'~'ffi""",fF""';o';""~'':F"'~+j;f!"~"ft;',iI;'~:'i'"WIWi""TIli'j@"'ft;.,.I'!j'!;''iW-'j",''''i'''i'1{~,'!.>W11n;::-~'W\!I~\1fo!~~"''W;Vr' ..,' "'<---"'-'" ~~ J. UDREN & ASSOCIATES 1', B~: Mark J. Udren, Esquire '~TTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE plaintiff v. , Michael L. Gray 'NO. 01-3500 Civil Term Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Defendant{s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Michael L. Gray 124 Park Drive Middletown, PA 17057 Your house (real estate) at 431 N. 2nd Street, Wormleysburg, PA 17043 is scheduled to be sold at the Sheriff's Sale on June 11, 2003, at 10:00 A.M. in the Cumberland County Courthouse, 1 Courthouse Sq., Carlisle, PA, to enforce the court judgment of $77,422.57, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immedia~e action: L The sale will be cancelled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out how much you must pay, you may call: (856) 482-6900 2. You may be able to stop the sale by filing a petition asking open the judgment, if the judgment was improperly entered. Court to postpone the sale for good cause. the Court to strike or You may also ask the 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) -"':;-oIl,j$g li,.LJ r",~ 'f^ ""1 ~,~ . Yf\U MAY ST.ILL.. BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN '. 11" THE SHERIFF'S SALE DOES TAKE PLACE. I, 1. If the Sheriff's Sale is not stopped, Ybur property will be sold to the highest bidder. You may find out the price bid by calling 856-482-6900. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call 856-482-6900. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the .buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale~ YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 ASSOCIATION DE LICENCIDADOS DE FlLADELFIA Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 ;~!'OllA ~, , ,~",,' , ~~ ~~ . -. - III ""'. '",'~ ~ -., ." ',-~ti"" , .' ,," 0 C, 0 c: I'J -1'1 ;e- O "1J1J:; rl1 '.:;:1 ~7 Q:1m ,~ i~lp Z""" ZI-' N "'~ (0 CD 1::;,. 0" +;0 -<"';" :.; I \<C> ' "~~.:;; "" T....!..! Pc -" ':')~ ~C;; -.. '~'~() );;oc 6 C)rn z --, =< 5; -< i~ ~"'",:~I l!'-~~~~l!i~~~f"f'l1"%$-'JH'Y''''W,\J!."'~'\.~>i!t<''~'!""l;N'ft:";~A'I;R'''''~!!l1!!~"~~~~~>'i~T II . MARK J. UDREN & ASSOCIATES ^~Y: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1), 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : .MORTGAGE FORECLOSURE Plaintiff v. Michael L. Gray Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 . NO. 01-3500 Civil Term Defendant{s) NOTICE OF SHERIFF'S SALE OF REAL PROpERTY TO: Nancy L. Gray C/O YMCA, 1101 Market Street, Room #370 Harrisburg, PA 17103 Your house (real estate) at 431 N. 2nd Street, Wormleysburg, PA 17043 is scheduled to be sold at the Sheriff's Sale on June 11, 2003, at 10:00 A.M. in the Cumberland County Courthouse, 1 Courthouse Sq., Carlisle, PA, to enforce the court judgment of $77,422.57, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY RE ART.E '1'0 PREVENT THIS SHERIFF'S SAI.E To prevent this Sheriff's Sale, you must take immediate action: 1.The sale will be cancelled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out 'how much you must pay, you may call: (856)-482-6900 2. You may be able to stop the sale by filing a petition asking open the judgment, if the judgment was improperly entered. Court to postpone the sale for good cause. the Court to strike or You may also ask the 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) :':F,~c!!lt!, ~ " , cc . , "''''', ,. ~ YO~MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN .~F THE SHERIFF'S SALE DOES TAKE PLAC~ L bidder. If the Sheriff's Sale is not stopped, your property will be sold to the highest You may find out the price bid by calling 856-482-6900. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call 856-482-6900. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which ,was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 ASSOCIATION DE LICENCIDADOS DE FlLADELFIA Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 i'-",,,'~~~I)l!:'F,''<J'- ,e " 'f , I , =, . -~ ~,~ ~ ~ i !11 ~" ,~.. tl:"4~ J;~"~_r~Rn;fim,~ -~ . - ~."'."T' J < .. 0 C) 0 C r", <' ""1"1 ""'.Ji:;:'; C:J '-1 r,1 k 1"1 'h~ ' rr n Z~D [$ Ze- N :;)7 ~<5 u; [0 ""c: ;to. '-.-~(J Pc -,-"-',', =~ "'":'11 ~c~) ~'.',}(~ )>c ,:" or'll 2: ~~ =<! :0 -< ", ~'.,~~ "~,.".~!'lil'~W!fti~W.~;;>'~'~~l'*",""W,"'Il~~,itl"'R>;Bl"if,*X""'iO~,-f'!;;'H~1'1:1'!j<'!1~\l'1I!i11'!Ii,~!}jl~i!t!'ff~IJ>'!'ffl't~q~,*%,!," WRIT OF EXECUTION andlor ATTACHMENT COMMONWEALTH OF PENNSYL VANTA) COUNTY OF CUMBERLAND) NO 01-3500 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due U.S. BANK NATIONAL FIK/A FIRST BANK NATIONAL ASSOCIATION, TR U/ADTD 5/1/98 (EQCC HOME EQUITY LOAN TRUST 1998-1) Plaintiff (s) From MICHAEL L. GRAY, 124 PARK DRIVE, MIDDLETOWN, P A 17057 AND NANCY L. GRAY C/O YMCA, 1101 MARKET STREET, ROOM #370, HARRISBURG, PA 17103 (I) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE{S) as follows: and to notify the garnishee{s) that: (a) an attachment has been issued; (b) the garnishee{s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; , (3) If property of the defendant{s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify himlher that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $77,422.57 L.L. Interest FROM 10/3/01 TO DATE OF SALE 6111/03 - PER DIEM @ $18.28. $11,278,76 Arty's Comm % Due Prothy $1.00 Atty Paid $1,166.36 Plaintiff Paid Date: DECEMBER 26, 2002 Other Costs (Seal) CURTIS R. LONG ProthonofID 2 2f2 --J3y: aL? ()/f e... Y(/?<'LcF Deputy REQUESTING PARTY: Name MARK J. UDREN, ESQUIRE Address: 1040 N. KINGS IDGHWAY, SUITE 500 CHERRY HILL, NJ 08034 Attorney for: PLAINTIFF Telephone: 856-482-6900 Supreme Court ill No. 04302 :"'-~:'.'Wl'l'i>.i!r9' ." v. ~ ~.~<iIil . "f " t, ~ =~~t!lIF\IrII!li~,.... ..., ,1",- ~~": U.S. BANK NATIONAL F/K/A FIRST BANK NATIONAL ASSOCIATION, TR U/A DrD 5/1/98 (EQCC HOME EQUITY LOAN TRUST 1998-1) Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 01-3500 Civil Term vs. MICHAEL L. GRAY NANCY L. GRAY MICHAEL L. GRAY Defendants ENTRY OF APPEARANCE AS LOCAL COUNSEL Dear Sir: 1 hereby enter my appearance as local counsel, in conjunction with Mark J. Udren, Esquire, for the purpose of representing the Plaintiff at Argument Court to be held at 9:00 a.m. on Monday, September 27, 2004 in Courtroom No. ~> n n . ,(w Date: September 24, 2004 ~ P ~ Dale F. Shughart, r. Supreme Court I.D. 19373 35 East High Street, Suite 203 Carlisle, PA 17013 (717) 241-4311 cc: Mark J. Udren, Esquire i..Jl., , ,',' _',."',, ~,,",,~,.-.,; _ . "'I 0'1 ,~ ~ <," .,' ~., r,.~".",-';"<:W--"~""'M""" '"~n. -.,' , ",~ ~'~'" II'''''"""'''''' ^' "1111.]"''''1'. 0 ..., 0 "'" C = " <'~ .r;- ""'["'CD v:> "-l 1"'1 :::r.:-n !:2'n t'11F '-F', -0 ,^^,' 31m -/'C- r>;) fS w,r: o~ -' . .:=- Q ~rj :Pt") Xl> I-ri (6 :K ()-.- 2';(") ZO )>e: ,,,,;m :-::.t z J6 :;! ~ ~< . ':'C._ ,- , , -''''~ ~_., ~ ~. ''''-'''''~,'-'' ,,..,,~ e !I'!!'i~~J~":ffj.'f:f~'!l,1~,W'1\1N~!!'il'\.m\'l!MP!.,IJ.iI@:,,,"~~~!i!!i%,~""1\i-~rI,'1I~"O,~'" \K "..' ~ C~, ~ "' ." SE~ 2004 (j UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 U.s. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) Plaintiff ATTORNEY FOR PLAINTIFF . . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County v. Michael L. Gray Nancy L. Gray . : NO. 01-3500 Civil Term Defendant{s) AND NOW, to wit, upon consideration of Of~ ,2001 for Reassessment of ORDER this ~y Plaintiff's Motion Damages, and any response thereto, it is hereby ORDERED AND DECREED that the Rule entered on July 26, 2004, Returnable August 20, 2004, is hereby made Absolute. It is further ORDERED that the Motion to Make Rule Absolute for the Motion for Reassessment of Damages should read as follows: The Prothonotary is ORDERED to reassess the da~ages, in the amount of $108,739.26 as more particularly set forth below: Principal of Debt Due and Unpaid $65,390.48 Interest pursuant to the Mortgage/Note from 8/5/00 to 7/14/04 at 10.5% (the per diem interest accruing on this debt is $18.28) $24,923.75 Escrow Overdraft/Balance (Taxes/Insurance) (Pursuant to the Mortgage) $5,369.18 Late Charges (Monthly late charges of $33.26 should be added in accordance with the terms of the Note each month after 7/14/04) $863.27 Interest on Advances $1,322.08 Prior Interest on Advances $302.09 ~ , ,--' .". . Broker's Price Opinion Property Preservation Property Inspections Foreclosure Costs to Date (Allowable pursuant to the Mortgage, including Title Report, Complaint Filing Fee, Service of Pleadings Fee, Listing for Sheriff's Sale, etc.) Reasonable Attorney Fees (5% of principal balance of $65,390.48, pursuant to the Mortgage) TOTAL BY ,.-;~~lfl' 'c. ~ " ., ,_~ , ., '0 ."C'." ,'.. ',".~ " dl .c '70..1 ~, J. "',' $1,563.32 $720.00 $287.05 $4,728.52 $3,269.52 $108,739.26 'H~"~ "Il >-0 N ~ ~ ('? c;, ::::> ~~ ::c 8~ ~x "- C)::J '0 ..:r ':~83 s: N :;r~ dUJ a- t'll w u-:::c UJ coo.. l- .,;;r ~ ~ <=> ::::> <=> '-> .... ~ ., ~ ,,~ . , _. ,.,...,.~,~~,RP~ ~ .~'~ A. .. ,-~,,,~,..,,. "',~.,.~~ .... - ,~. .."".~"' ~ . !1llin ~~'JW<(I!l~1'~!!;'lft1~";t~'@K";'iiiH;lm'fij;:---GJf!:'<1'r~~~~ii'<~~t.'''I'-"'.,~:"." ^", " UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) plaintiff ATTORNEY FOR PLAINTIFF . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County v. Michael L. Gray Nancy L. Gray :NO. 01-3500 Civil Term Defendant{s) MOTION TO MAKE RULE ABSOLUTE Plaintiff, u.s. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998- 1), by its Attorney, Mark J. Udren, Esquire, moves for a Rule Absolute, thereby granting Plaintiff the relief prayed for in its Motion for Reassessment of Damages and in support thereof, avers as follows: 1. A Motion for Reassessment of Damages, together with a Rule to Show Cause why said Motion should not be granted was filed by counsel for Plaintiff on July 16, 2004. 2. The Rule to Show Cause was entered on July 26, 2004 with a Rule Returnable date of August 20, 2004. A true and correct copy of the Rule is attached hereto as Exhibit "A". 3. On August 2, 2004, Mark J. Udren, Esquire, attorney for Plaintiff, served a true and correct copy of the Rule to Show Cause upon all the Defendant{s), interested person(s), and/or attorney{s) Via First Class Mail by Certificate of Service. A true and correct copy of the Certificate of Service is attached hereto and marked Exhibit "B". dtfi'91 ~ 1- ."" ".., ~~ <," , ",. ,- -" . . .' 4. To the best of Plaintiff's knowledge, information and belief, no response was filed or any objections interposed by any of the served parties, attorneys, and/or interested persons. Therefore, no cause has been shown as to why the relief prayed for in said Motion for Reassessment of Damages should not be granted. 5. The Rule to Show Cause should be made Absolute and the relief prayed for in the Plaintiff's Motion for Reassessment of Damages should be granted. WHEREFORE, Plaintiff prays and respectfully requests that this Honorable Court enter an Order making the Rule Absolute and therefore grant the relief prayed for in its Motion for Reassessment of Damages. Respectfully submitted, UDREN LAW F IC S, P.C. BY: Mark J. Urn Attorney 0 l~l"!i""'"~_~ _~,~" .' ,- '---'~,-', , -, '" .-., ,~ ,,~,~c ',- (j JUL 2 3 2G04 ft' UDREN LAW OFFICES, P.C. BY: MARK J. UDREN, ESQUIRE ATTY. I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY ffiLL, NJ 08003-3620 856-669-5400 U.S. Bank National F!K/A First Bank National Association, TR UIA DTD 5/1198 (EQCC Home Equity Loan Trust 1998-1) Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DMSION Cumberland County v, Michael L Gray Nancy L Gray NO. 01-3500 Civil Term Defendant(s) RULE TO SHOW CAUSE - .... ~ AND NOW, this 2f: day of -f-(f-' 2004 upon consideration of the foregoing Petition, it is hereby ORDERED that: 1. A Rule is issued upon the Respondent to show cause why the Petitioner is not entitled to relief requested; .. 2. The Respondent may file an Answer to the Petition on or before ~ ~~DfJ t/ ,I 3, The Petition shall be decided under Pennsylvania Rule of Civil Procedure 206.7; 4. Depositions shall be completed wi~'~'daYS of the date oftbis Order; 5. Argument shall be held on )~ ~? ,20D" , in ~ " "--~c:::o'OOA "'" Courtroom.So , of the Cumberland County Courthouse; and t. " 6. Notice of the entry oftbis Order shall be provided to all parties by the Petitioner. TRUE COpy FROM RECORD In Testimony whereof, I here unto set my hand ;n. t~.~.,1~~, sa' yCOUrf a C IiSI~:.~a. ~. '-i ota'rY' "l'Uf(f 1. EXHIBIT A -<~~V" "~ """~,l.l",.",,. ,,',,<,~ ,;," ",'~ -~, ~ - - ~-~ UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY. I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County v. Michael L. Gray Nancy L. Gray Michael L. Gray Defendant{s) NO. 01-3500 Civil T~@(QJ~ CERTIFICATE OF SERVICE I, Mark J. Udren, Esquire, hereby certify that I have served true and correct copies of the Rule to Show Cause with a Rule Returnable Date of August 20, 2004 and a Hearing Date of September 27, 2004 in regards to the Motion for Reassessmen~of , 0 "" 0 Damages upon the following person{s) named herein at the~ ~st~ -0 0'J :t> :x: :n known address or their attorney of record. SE~I\ a:5 ~M; :z (:" I ':'00 C.P i:, ;;:- 0.0 -=< ~i--. _,I XXXXXX Regular First Class Mail ~C' -0 ::r:::n ~;c; :;I'; qo ""0 om ;po c: ry "-\ Certified Mail ~ c:> ~ Other (Certificate of mailing) Date Served: <i?\a\al..\ TO: Michael L. Gray 124 Park Avenue Middletown, PA 17057 Nancy L. Gray 1101 Market Street, Rm #370 Harrisburg, PA 17103 UDREN LAW OFFICES, P.C. BY~ Mark J. Udren, Esquire Attorney for Plaintiff/Movant "'}1" .. EXHIBIT 8 ,~ !f ....... ,.. , . VERIFICATION Mark J. Udren, Esquire, hereby states that he is the attorney for the plaintiff in this action, that he is authorized to take this Verification, and that the statements made in the foregoing Motion To Make Rule Absolute are true and correct to the best of his knowledge, information and belief. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. By: Mark J. Udr Attorney for UDREN LAW OF I Dated: ~ \~\~'-\ ;n'l,""...,....,.,lf!I . . '-'~o' -""""'- ",,-,,~-- , >,,- _f I, ., "~ ,_eo ',- ~- ''''',' 4,'~," >l' "",,,"'" '''''~' "'>~'."~'~ =.~""=~,,~,..~. . 'If . () "" C::::f 0 C c:::. , -- -n ""t'l -'";- (,I'J :=t r.---: .. 1"', ,.(,.. .-C' rnf9 V ('," -'1fT; :,}C1' ~ _I ,,~ t :: C) -Ti-", C8 ~f r-', :r:,.,. t:?;~~ 1:--' -~t~ ~ '- \.D <:)1"1 ~ " -.: -( C) ~J 0:> -< ~ ~ , ~~"~,,~ , jL '9f ~,~ilfq,j.~__"" n. =~,~ ,~.t..~,\w.RIlffl!m~~'f!'1~\0!i:.;g~NR'J"'""""''''!N~i''"'I1~~~~il:~l!f~!W\'I~''k~: "~,,,.,~, "I~,:"__.'~~",~.i !" , UDREN LAW OFFICES, P.c. BY:~J.UDREN,ESQUIRE ATTY. I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 U.S. Bank National FfK/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DMSlON Cumberland County v. Michael L. Gray Nancy L. Gray NO. 01-3500 Civil Term Defendant(s) ORDER AND NOW, this J~y of ~ ' 200f ' Upon consideration of Plaintiffs Motion for Reassessment of Damages, and any response thereto, the Prothonotary is ORDERED to reassess the damages, in the amount of$108,739.26 as more particularly set forth below: Principal of Debt Due and Unpaid $65,390.48 Interest pursuant to the Mortgage/Note from 8/5/00 to 7/14/04 at 10.5% (the per diem interest accruing on this debt is $18.28) $24,923.75 Escrow OverdraftlBalance (TaxeslInsurance )(Pursuant to the Mortgage) $5,369,18 Late Charges (Monthly late charges of $33.26 should be added in accordance with the terms of the Note each month after 7/14/04) $863.27 Interest on Advances $1,322.08 Prior Interest on Advances $302.09 Broker's Price Opinion $1,563.32 Property Preservation $720.00 i~~, -- .;~... _ _" r" '1" .. Property Inspections Foreclosure Costs to Date (Allowable pursuant to the Mortgage, including Title Report, Complaint Filing Fee, Service of Pleadings Fee, Listing for Sheriffs Sale, etc.) Reasonable Attorney Fees (5% of principal balance of $65,390.48, pursuant to the Mortgage) TOTAL q-J7/oLf P~SuU~ <h l1~t<3~~~ qr).Z--otf ~ IuvL~ L G:, ~ NO LQ,lr (j "~"ck- , .~. i'" .'~, <, , .",' ''"" , $287.05 $4,728.52 $3,269.52 $108,739.26 J. . ~, [~1l'~.~~~ ., .""""w.>]....m~~~*""_~;!IO.,. ," ,-"" ,". _""~>$,,~~~l1',jN;Rb'~\iJ!!.M .' >!>!l'ill'__.it~~.ll -,."._=~ .I.lr --illlil'lll!i:M ,,,~""<",'~' ' ~ , '"""-, FiLED-OfFlCE OF 'THE PH01\-\ONOTP,R'I LOOl; SEP 21 AM 9: 09 . CUM8EllLP.r1U COUNTY PENNSYLVANiA it 9.()O c-h.tfq?~ [XL, JLa.,e. . #-):) , .. ,,~'" ,~'""<~~ ~-- "'"",0""-,"" , ,__~=~, "~ '_'"_" ~l 1.\1' ~, ' .. U.S. BANK NATIONAL F/K/A FIRST BANK NATIONAL ASSOCIATION, TR U/A DTD 5/1/98 (EQCC HOME EQUITY LOAN TRUST 1998-1) Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 01-3500 civil Term vs. MICHAEL L. GRAY NANCY L. GRAY MICHAEL L. GRAY Defendants MOTION FOR RULE ABSOLUTE AND NOW, comes the Plaintiff, by its local counsel, Dale F. Shughart, Jr., Esquire, and avers as follows: 1. Defendants have not filed an Answer to Plaintiff's Petition. 2. Pursuant to Pa. R. C. P. 206.7, the court may grant the relief requested. WHEREFORE, Petitioner/Plaintiff prays Your Honorable Court to enter the proposed Order reassessing damages as requested by the Plaintiff. JJci4( Dale F. Shughart, Supreme Court I.D 93 35 East High Stree , 203 Carlisle, PA 17013 (717) 241-4311 Fi'~'"7"'i' "'" ,''c.'___ -?", . :n WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 01-3500 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest arid costs due U.S. BANK NATIONAL FIKIA FIRST BANK NATIONAL ASSOCIATION, TR U/A DTD 5/1198 (EQCC HOME EQillTY LOAN TRUST 1998- 1) Plaintiff (s) From MICAEL L. GRAY, 124 PARK DR., MIDDLETOWN P A 17057 and NANCY L. GRAY, C/O YMCA, 1101 MARKET ST., ROOM # 370, HARRISBURG P A 27103 (1) You are directed to levy upon the property of the defendant (s)and to sell REAL ESTATE LOCAED AT 431 NORTH 2ND ST., WORMLEYSBURG PA 17043. (2) You are also directed to attach the property of the defendant{s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the gamishee{s) that: (a) an attachment has been issued; (b) the garnishee{s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property ofthe defendant (s) or otherwise disposing thereof; (3) Ifproperty of the defendant{s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify himlher that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $77,422.57 L.L. Interest 10/3/01 TO 3/3/04 @ $18.28 PER DIEM = $16,141.24 Atty's Comm Atty Paid 1,269.32 Plaintiff Paid Date: NOVEMBER 25, 22003 % Due Prothy 1.00 Other Costs CURTIS R. LONG (Seal) By: REQUESTING PARTY: Name MARK J. UDREN, ESQUIRE Address: 1040 N. KINGS ffiGHW AYM STE. Attorney for: PLAINTIFF Telephone: (717) 397-3500 Supreme Court ill No. 06947 ,'f}jfllf[ lljl" . ~ - ~,' ~ l' ", - .-' "~ - " ~ = ~ MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 ATTORNEY FOR PLAINTIFF U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 DeerwoodPark Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : MORTGAGE FORECLOSURE v. Michael L. Gray Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Defendant{s) . . NO. 01-3500 Civil Term PRAECIPE TO ISSUE WRIT OF EXECUTION TO THE SHERIFF: Issue Writ of Execution in the above matter: Amount due $77,422.57 Interest From ]0/3/2001 to Date of Sale March 3. 2004 Per diem @$18.28 ]6.]41 24 (Costs to be added) $ MARK J. UDREN & ASSOCIATES ~~oo~, Esquire ATTORNEY FOR PLAINTIFF 't'k.ryW"".",,,,,, ,,~"-'" " -.-' """^ ~- t MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 ATTORNEY FOR PLAINTIFF D.S.Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 De~rwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County . . MORTGAGE FORECLOSURE v. . Michael L. Gray 'NO. 01-3500 civil Term Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Defendant{s) WRIT OF EXECUTION TO THE SHBRIFF OF Cumberland COUNTY, To satisfy the judgment, interest and costs in the above matter, you are directed to levy upon and sell the following described property: 431 N. 2nd Street Wormleysburg, PA 17043 SEE LEGAL DESCRIPTION ATTACHED Amount due Interest From 10/3/2001 to Date of Sale March 3, 2004 Per diem @$18.28 . $77.422.57 16.141.24 (Costs to be added) $ Prothonotary By Clerk Date ~""~ .~, ,. - ""^, ~ T " """ JL ! --"'~^ , .- ,~ - ~ ~..- ,- .i~n .. COURT OF COMMON PLEAS NO. 01-3500 Civil Term ===================================== U.s. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) vs. Michael L. Gray Nancy L. Gray ------------------------------------- ------------------------------------- WRIT OF EXECUTION ------------------------------------- ------------------------------------- REAL DEBT $ 77.422.57 INTEREST $ 16.14] .24 from 10/3/2001 to Date of Sale March 3. 2004 Per diem @$18.28 COSTS PAID: PROTHY $ SHERIFF $ STATUTORY $ COSTS DUE PROTHY. $ PREMISES TO BE SOLD: 431 N. 2nd Street Wormleysburg, PA 17043 /\ IV\ ( Mirk if. Udren,~squire "-../~K J. UDREN & ASSOCIATES 1040 NORTH KINGS HIGHWAY SUITE 500 " CHERRY HILL, NJ 08034 (856) 482-6900 0:.", I ~ '. ~, .,~'/tl.AA ,'S1Ei i!li!!;I,'B ,~,.,..."il[U'!'H~i!"'M"~~.'l!i~"il!'fflf!'f~;"""'~~~m'F"ItW-'W''f":W\'Fc'''"NP''C?''''1:W~C1:''-I'-ti.':''''' P" ."-.'~,_i"t,_',RWj",";V1l',""';I9!~~iiii\"~f!i!i,a~""'Wl:1i~W/l!i:~&W,'," '. .. -~._-:--. ,..,'~,-. ,,;-; - - ',_ ~.',. c t , r , I l ALL THAT C~RTAIN LOT OF LAND FORM~RLY SITUATE IN EAST ~ENNSBORO TOWNSHIP~ BUT NOW IN THE BOROUGH OF WORMLEYSBUll.G, C1JMBEll.LAND COUN'n', PENNSYLVANIA, DOWN AND DESCRIBED AS LOT NO. 94 ON' PLAN NO.3 OF EDGEWATER. SAID PLAN B~ING RECORDED IN C1JMBEll.LAND COIlNTY RECORDER'S OFFICE IN PLAN BOOK 1, PAGE 71. SAID LOT IS MORE PARTICULARLY BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT: BEGINNING AT A POINT ON THE EASTElUl LINE OF SECOND STREET AT THE DIVIDING LINE BETWEEN LOTS NOS. 94 JUlD 95 ON SAID PLAN, SAID POINT BEING 400 FEE'l' HEASURElJ NOR'I'HWARDLY ALON,GSECOND STREET ROK THE NORTHEAST CORNER OF SECOND AND ELM STREETS; THENCE IN A SOUTHERLY DIRECTION ALONG THE EASTERN LINE OF SECOND STREET 25 FEET TO A POINT ON THE DIVIDING LINE BETWEEN LOTS NOS. 93 JUlD 94, SAID DIVIDING LINE PASSI,NG THROUGH THE CENTER OF THE PARTITION WALL OF THE DOUBLE TWO STORY BRICK AND FRAME DWELLINg EREC'l'ED IN PAR'l' uPON THE LOT Ull.E:Ili DESClUllED; THENCE IN AN EASTERLY DIRECTION ALONG SAID. LAST MllNTIONED LINE 150 FEET TO RIVE1l. ALLEY; THENCE IN A NORTH:EllLY DIRECTION ALONG THE WlilSTElUl LINE OF RIVER ALLEY 25 FEE'l' TO THE DIVIDING LINE BETWEEN LOTS NOS. 94 " 95 ON SAID PLAN; TRENCE IN A WES'l'ERLY DIRECTION ALONG SAID LAST MllNTIONED LINE 150 FEET TO THE POINT OR PLACE OF, BEGINNJ:NG. ' AND THEREON EREC'l'ED THE NORTHERN HALF OF SAJ:D TWO S'l'ORY BRICK .AND FRAME DWELL:IliG ROUSE DOWN AS 431 N. SECOND STREET. UNDER JUlD SUBJECT, NEVERTHELESS, TORES'l'RICTJ:ONS, CONDJ:TIONS AND EASEMENTS OF PRIOR RECORD PERTAINING TO SAID PREMISES. , BEING KNOWN AS: PROPERTY ID NO.: 431 NORTH 2ND STREET, WORMLEYSBURG, PA 17043 47-19-1588-091 TITLE TO SAID PREMISES IS VESTED IN MICHAEL L. GRAY AND NANCY L. GRAY, HIS WIFE BY DEED FROM STANLEY O. HAFNER AND ALMA G. HAFNER, HIS WIFE DATED 07}05/1984 RECORDED 07/05/1984, IN DEED BOOK T30 PAGE 873. --":~i:IlI!l ,",' -"""", , " II ~~ '- " ~ ~ ~, ~ ~~ ~ c. " --.... '6 -- ~ ~ <J-J j-J 00 --- -.J ?'l .l:\ ~ C\,0 ~D ~ ~- . '?')~ U1 \)'I IS' -- ?-.~ , ~',"" -",~'" -- '~"''-'''''' ,,"'P';;,"'; ,,< '^-~"-"~. -- "'~"c'~"""="''''m -- 'J:,_ J ':"r '~''''''n'?i!1'''c, ~~~~9\ ~ - U' t.J'\ ...j e 0'\ ~ <:) ...,. ::J':' o .0: f>,,) U'l ~ ~-::J i'i1::!)i ~~ ~ ~~ 't! Q .~ i ~.' ~ !;Ii!r,Rmm~'i"i'ijW'l'" __ ~~~~~"W~~~'lil'f."R~'J'~i;i'!!lI~. ",_""=~~~"'~l'm'F1tr-"i";;~j9;1'~"'1""""-;;'i'",~,,, '}~"",,,, ','i'~n,;,:~c,"""'G!""j~~'W)"fij~.!'?:","H',P",\~'",ui,5"'''i5m~'O~qijj'ijlllr~f0l:~\J:W'" MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 ATTORNEY FOR PLAINTIFF U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County . . MORTGAGE FORECLOSURE v. Michael L. Gray Nancy L. Gray MichaelL. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA, 1101 Market Street, Room #370 Harrisburg, PA 17103 Defendant{s) . . NO. 01-3500 Civil Term " C E R T I F I CAT E Mark J. Udren, Esquire, hereby states that he is the attorney for the Plaintiff in the above-captioned matter and that the premises are not subject to the provisions of Act 91 because it is: An FHA insured mortgage Non-owner occupied Vacant .( x Act 91 procedures have been fulfilled. Over 24 months delinquent. This certification is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. MARK J. UDREN & ASSOCIATES "if::] ,,"< ," 1-' - "',~' ~ '~ ,- ~'T I" ,~.~ - " ,-"~ - = ~o """''';l''~--''r. .Ji ~ I ;i ffi:tJ 1i'O. ~~ uj ~. r , ~D ~ $;" .~.. il'll~~!tII'Ifl!!'l~~~~lI:Jt\'Y'1'j;'1R";IW":,,);:~l,:'~m<-:~',,'r"'~''ir'',~H<;:"~,,,",",C~~;o1~,,,1~<~~""~[I'>;;--';n'8r~["1!:~~i~N~;g, ,~ . "'", 'MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040.N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 ATTORNEY FOR PLAINTIFF U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood'ParkBlvd. MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County . . MORTGAGE FORECLOSURE v. Michael L. Gray 'NO. 01-350n Civil Term Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 .. Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Defendant{s) AFFIDAVIT PURSUANT TO RULE 3129.1 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1), Plaintiff in the above action, by its attorney,. Mark J. Udren, Esquire, sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at: 431 N. 2nd Street, Wormleysburg, PA 17043 1. Name and address of Owner{s) or reputed Owner{s): Name Address Michael L. Gray 124 Park Drive, Middletown, PA 17057 Nancy L. Gray C/O YMCA, 1101 Market Street Room # 370 Harrisburg, PA 17103 2. Name and address of Defendant{s) in the judgment: Name Address Same as # 1 above ';':J-::_~II1IIl'~""",,,",",,, r' ~ - , 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address None 4. Name and address of the last recorded holder of every mortgage of record: Name Address Plaintiff herein. See Caption above. 5. Name and address of every other person who has any record lien on the property: Name Address None 6. Name interest sale: Name and address of every other person who has any record in the property and whose interest may be affected by the Address Real Estae Tax Dept. 1 Courthouse Sq., Carlisle, PA 17013 Domestic Relations Section 13 N. Hanover St., Carlisle, PA 17013 Commonwealth of PA, Department of Revenue Bureau of Compliance, Dept. 280946 Harrisburg, PA 17128-0946 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Name Address Tenants/Occupants 431 N. 2nd Street Wormleysburg, PA 17043 -,TI~~ ~1 '", -, ~~ ,<~, .. . I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. sec. 4904 relating to unsworn falsification to authorities. MARK J. UDREN & ASSOCIATES DATED: November 14, 2003 -'!YV\ ~ J. Udren, Esquire Attorney for Plaintiff "' '_ r_ , ,= T~ !ill "~'~- ". "' .~~" ~~ ~".',~:"r,~.c->"'-"'," >t".'_"" '~-"''"'''''''''=~''C'('''''liftJtrfY'''i';,'4'it{;,i'i ~" l.D , " I'll ~, ~ :I. ~~ ~ 0"'" 'jt r ::l:J w -< ~il"~_~:;11Jl~~~~'$ii!~~~~~~Wl!Ff""~"i~"o$,4>~1'~J,ff>c~'f-",,ff,'E"'t"-'?';E~\,"f.i!li'!;~~~~1;fiMiF.".IJ;~~~~~;]C '10;: -i: MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 ATTORNEY FOR PLAINTIFF U.S. Bank National F/K/A First Bank National Association, TR V/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998 -1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County . . MORTGAGE FORECLOSURE v. . Michael L. Gray 'NO. 01-3500 Civil Term Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Defendant(s) NOTrCE OF SHERIFF'S SALE OF REAL PROPERTY TO: Michael L. Gray 124 Park Drive Middletown, PA 17057 Your house (real estate) at 431 N. 2nd Street, Wormleysburg, PA 17043 is scheduled to be sold at the Sheriff I s Sale on March '3, 2004, at 10:00 A.M. in the Cumberland County Courthouse, 1 Courthouse Square, Carlisle, PA , to enforce the court judgment of $77,422.57, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relistedfor the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take imm~diate actiQ~ 1. The sale will be cancelled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out how much you must pay, you may call: (856) 482-6900 ""y__"'m~l~"'J'" 1'- , - , . .~ r" r ~, ~ -0. .~ 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S S~LE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-482-6900. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. amount due 6900. The sale will go through only if the buyer pays the Sheriff the full in the sale. To find oUt if this has happened, you may call 856-482- 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 ASSOCIATION DE LICENCIDADOS DE FlLADELFIA CUmberland County Bar Association . 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 ;;j,~~, ~" --~ , . MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 ATTORNEY FOR PLAINTIFF U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998 -1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County . . MORTGAGE FORECLOSURE v. Michael L. Gray 'NO. 01-3500 Civil Term Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Defendant{s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Your house (real estate) at 431 N. 2nd Street, Wormleysburg, PA 17043 is scheduled to be sold at the Sheriff's Sale on March 3,. 2004, at 10:00 A.M. in the Cumberland County Courthouse, 1 Courthouse Square, Carlisle, PA , to enforce the court judgment of $77,422.57, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action~ 1. The sale will be cancelled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out how much you must pay, you may call: (856)-482-6900 ,,:fij~1:~~J,_ ~. , I' ~, .' ;;~ . 2. You may he able to stop the sale by filing a petition asking the Court to strike OJ: open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. ' 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) YOU MAY STILL, BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-482-6900. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. amount due 6900. The sale will go through only if the buyer pays the Sheriff the full in the sale. ,To find out if ,this has happened, you may call 856-482- 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 ASSOCIATION DE LICENCIDADOS DE FILADELFIA Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 . , . <,'- ~~., "' :'-lil -' ',". - ,",. <, ~ .,=~"'k'X',""""'_'" -". '~IV;"<;)",t "'''j C" -<d''''~ti'j}t[t'rT'''iiflr!'l!n'''i\).:it;:f~~fJii,":c:l cs Cb 8 5 ..:: N (Jl l' 3=.. ct:. ~ ..., , , 0.' "i1l. ~ ..Jt.i ~~ ~a ~ ~<"~~jl'!!lf'!ll=.~!!H'I1!,~~_.~^;ij~~~\J'~~~li1!l'I!l!I!lHlii:~~~*":,~",,,,,,"'0!'-%'\,%f1':",n)~<~o"""'""pc',""',--'""':'",,,<mT,:,,,,'l'>""~,"~!Wl!fI/11!1i"i\1I!lf!!:!!:!"w..~l'A,mlr!flri/1l!l~9" ,< COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND }SS: 0/- 2Sb D I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify that the Sheriffs Deed in which US Bank N A is the grantee the same having been sold to said grantee on the 8th day ofDec A.D., 2004, under and by virtue of a writ Execution issued on the 25th day of November, A.D., 2003, out of the Court of Common Pleas of said County as of Civil Term, 2001 Number 3500, at the suit ofU S Bank Natl Assoc against Michael L Grav & Nancv L is duly recorded in Sheriffs Deed Book No. 266, Page 4180. IN TESTIMONY WHEREOF, I have hereunto set my hand ~ and seal of said office this ~ day of 1J ~;.0 , A.D2004 My corder of Deeds _ CclUnIy, CmIJofe, PA ExpIres Ihe FIlii MondiIy of J&n. 2ClOI \ '..-11,",,1 1."5'" .1:,: -/\ ---," I ,~ AlllMk",' ;'\~%Jffl..1Jl~.._ ~~," ';1- - "'. 1Pi"", <I'. l .. I In The Court of Common Pleas of Cumberland County, Pennsylvania Writ No, 2001-3500 Civil Term U.S. Bank National f/k/a First Bank National Association, TR u/a dated 5/1/98 (EQCC Home Equity Loan Trust 1998-1) VS Michael L, Gray and Nancy 1. Gray Bryan Ward, Deputy Sheriff, who being duly sworn according to law, state.s that on January 12,2004 at 5:29 o'clock P.M., he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Michael 1. Gray and Nancy 1. Gray located at 431 North 2nd Street, Wormleysburg, Pennsylvania, according to law. R. Thomas Kline, Sheriff, who being duly sworn according to law, states he served the above Real Estate Writ, Notice, Poster and Description in the following marmer: The Sheriff mailed a notice of the pendency of the action to the within named defendants, to wit: Michael 1. Gray and Nancy 1. Gray, by regular mail to their last known address of124 Park Drive, Middletown, PA 17057 iIl1d c/o YMCA Room 370, 1101 Market Street, Harrisburg, PA 17103, respectively. These letters were mailed under the date of January 16, 2004 and never returned to the Sheriffs Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Courthouse, Carlisle, Cumberland County, Pennsylvania on December 08, 2004 at 10:00 o'clock AM. He sold the same for the sum of $1.00 to Attorney Mark Udren for U.S. Bank National Association, f/k/a First Bank National Association Trust, Acting Solely in its capacity as Trustee for EQCC Home Equity Loan Trust 1998-1. It being the highest bid and best price received for the same, U.S. Bank National Association, f/k/a First Bank National Association Trust, Acting Solely in its capacity as Trustee for EQCC Home Equity Loan Trust 1998-1 of 3815 South West Temple, Salt Lake City, UT 84115, being the buyer in this execution, paid to SheriffR. Thomas Kline the sum of$919.66, it being costs. Sheriffs Costs: Docketing Poundage Posting Bills Advertising Acknowledging Deed Auctioneer Law Library Prothonotary Mileage Postpone Sale Levy ~},~~~~ .~. "Ojlc -, ,- ., $30.00 18.03 15.00 15.00 30,00 10.00 1.00 11.04 40.00 15.00 - " ~': ~- , - " " - , --~: Surcharge Law Journal Patriot News Share of Bills Distribution of Proceeds Sheriff's Deed $ 30.00 339.80 270.97 29.32 25.00 39.50 919.66 Sworn and subscribed to before me This !f d ..day of (ju. < < 47 200~ A.D. Qr"-' 12 ~ ~ rothonotary "''-11~ ~"~~ "" ~ ,":,;", I-'~ , ! I p~#~ . R. Thomas Kline, Sheriff BY00~/~'V\'14 Real Estate eputy ;--- ~ cr> IY '!J'O'\f <:.K.yt:llA'1 (k.- 10'3'190 ;'"1 - ,""~ 'T ~,' , [.., , , MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, ~J 08034 S56-482-6900 ATTORNEY FOR PLAINTIFF u.s. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood 'park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County . : MORTGAGE FORECLOSURE v. Michael L. Gray 'NO. 01-35QO civil Term Nancy L. Gray Michael L. Gray 124 Park Dii ve Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Defendant{s) AFFIDAVIT PURSUANT TO RULE 3129.1 U.S. Bank National F/K/A First Bank National Association, TR U/A OTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1), Plaintiff in the above action, by its attorney,. Mark J. Udren, Esquire, sets forth as of the date the Praecipe for the Writ of. Execution was filed the following information concerning the real property located at: 431 N. 2nd Street, Wormleysburg, PA 17043 1. Name and address of Owner(s) or reputed Owner(s) : Name . ~ Address Michael L. Gray 124 Park Drive, Middletown, PA 17057 Nancy L. Gray c/O YMCA, 1101 Market Street Room # 370 Harrisburg, PA 17103 2. Name and address of Defendant{s) in the judgment: Name Address Same as # 1 above ;'~"""["'I"'ir,~~ "'" ~ '- , , - -~ -. "~,,; ,3. Name and record lien Name address of every judgment creditor on the real property to be sold: Address whose judgment is a None 4. Name and address of the last recorded holder of every mortgage of record: Name Address Plaintiff herein. See Caption above. 5. Name and address of every other person who has any record lien on the property: Name Address None 6 . Name interest sale: Name and address of every other person who has any record in the property and whose interest may be affected by the Address Real Estae Tax Dept. 1 Courthouse Sq., Carlisle, PA 17013 Domestic Relations Section 13 N. Hanover St., Carlisle, PA 17013 Commonwealth of PA, Department of Revenue Bureau of Compliance, Dept. 280946 Harrisburg, PA 17128-0946 7. Name and address of every other person of whom~he.plaintiff has knowledge who has any interest in the property which may be affected by the sale: Name Address Tenants/Occupants 431 N. 2nd Street wormLeysburg, PA 17043 "F",~Y<l->W"'*",!lI'l")7_ ~ < '__'"'' , :' ~, 1 """r , - ~-~ ~ , ,c_"j'i- f,n I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. sec. 4904 relating to unsworn falsification to authorities. MARK J. UDREN & ASSOCIATES DATED: November 14, 2003 --. . (J(V\ ~ J. Udren, Esquire Attorney for Plaintiff ",~!"""""""'" ~,.." ',". " ~ ,," ., '" '"",', , . -.<!9"~ .~,,:; MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 .CHERRY HILL, NJ 08034 856-482-6900 ATTORNEY FOR PLAINTIFF U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County . . MORTGAGE FORECLOSURE v. . Michael L. Gray 'NO. 01-3500 Civil Term Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Defendant{s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Michael L.Gray 124 Park Drive Middletown, PA 17057 Your house (real estate) at 431 N. 2nd Street, Wormleysburgc, PA 17043 is scheduled to be sold at the Sheriff's Sale on March 3, 2004, at 10:00 A.M. in the Cumberland County Courthouse, 1 Courthouse Square, Carlisle, PA , to enforce the court judgment of $77,422.57, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the'property will be relistedfor the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SRERTFF'S SALE To prevent this Sheriff's Sale, you must take jmme~e action: 1. The sale will be cancelled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out how much you must pay, you may call: (856) 482-6900. j"';'ifrJJ_""'1-,,. ", -^',,", -, I ~~ , " ,. , 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-482-6900. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. amount due 6900. The sale will go through only if the buyer pays the Sheriff the full in the sale. To find out if this has happened, you may call 856-482- 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within 30 days after the sale. This schedule wili state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. . 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE'THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 14013-3387 ?17-249-3466 or 800-990-9108 ASSOCIATION DE LICENCIDADOS DE FlLADELFIA Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 -"01"i!'<","'1.""'~f>:o~._ ~~~", C? , ,~ ,~ ''W ~, =' MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 ATTORNEY FOR PLAINTIFF U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County . . MORTGAGE FORECLOSURE v. Michael L. Gray 'NO~ 01-3500 civil Term Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Your house (real estate) at 431 N. 2nd Street, Wormleysburg, PA 17043 is scheduled to be sold at the Sheriff's Sale on March 3, 2004, at 10:00 A.M. in the Cumberland County Courthouse, 1 Courthouse Square, Carlisle, PA , to enforce the court judgment of $77,422.57, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. . NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immedia~e action: 1. The sale will be cancelled if you pay to the mortgagee the back payment, late charges, costs -and reasonable attorney's fees. To find out how much you must pay, you may call: (856l-482-6900. ""'~$'i;;:,.,<-"""f'~ , 'cl'1 - ~ . ~" - " \, 2, You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered, You may also ask the Court to postpone the sale for good cause. . 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one; the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) YOU MAY STILL. BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLA~ 1. If the Sheriff's sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 856-482-6900. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. amount,due 6900. The sale will go through only if the buyer pays the Sheriff the full in the sale. To find out if this has happened, you may call 856-482- 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 8~0-990-9108 ASSOCIATION DE LICENCIDADOS DE FILADELFIA Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3466 or 800-990-9108 ,i~"!<!'",F",'""""''''''''l; ,. j ~,' .~ ~ ", _.~~ ......~~~ """;;'~'~,,","";: \ ! , I: I ALL THAT CERTAIN LOT OF LAND FORMERLY SITUATE IN EAST ~ENNSBORO TOWNS~IP~ BUT NOW IN THE BOROUGH OF WORMLEYSBURG, CllMBERLAND COmITY, PEIDrSYL VANIA, ICNOWN Am! DESCRIBED AS LOT NO. 94 ON' PLAN NO.3 OF EDGEWATER. SAID PLAN BEING RECORDED IN CUMBERLAND COUNTY RECORDER'S OFFICE IN PLAN BOOK 1, PAGE 71. SAID LOT IS MORE PARTICULARLY BOUNDED Am! DESCRIBED AS FO~LOWS, TO WIT: BEGINNING AT A POINT ON THE EASTERN LINE OF SECOND STREET AT THE DIVIDING LINE BETWEEN LOTS NOS. 94 Am! 9S0N SAID PLAN, SAID POINT BEING 400 FEET MEASURED NO,R'l'KNARDLY ALONG SECOND ST1!.EET FROM THE NORT~EAST CORNER OF SECOND Am! ELH STREETS; TRENCE IN .1. SOllTRERLY DI1!.ECTION ALONG THE EASTERN LINE OF SECOND STREET 2S FEET TO A POINT ON THE DIVIDING LINE BETWEEN LOTS NOS. 93 Am! 94 , SAID DIVIDING LINE PASSING THROUGH THE CENTER OF TRE PARTITION WALL OF THE DOUBLE TWO STORY B1UClt AND FRAME DWELLING ERECTED IN PART UPON THE LOT HEREIN DESCRIBED, TRENCE IN AN EASTERLY DIRECTION ALONG SAID LAST MENTIONED LINE 150 FEET TO RIVER ALLEY, THENCE IN A NORTHERLY DI1!.ECTION ALONG THE WESTERN LINE OF RIVER ALLEY 25 FEET TO THE DIVIDING LINE BETWEEN LOTS NOS. 94,<< 95 ON SAID PLAN, TRENCE IN A WESTERLY DIRECTION ALONG SAID LAST MENTIONED LINE 150 FEET TO THE POINT OR PLACE OF BEGINNING. ' AND THE1!.EON ERECTED THE NORTHERN HALF OF SAID TWO STORY BRICK .AND FRAME DWELLING HOUSE ICNOWN AS 431 N. SECOND STREET. UNDER AND SUBJECT, NEVERTHELESS, TO RESTRICTIONS, CONDITIONS AND EASEMENTS OF PRIOR RECORD PERTAINING TO SAID PREMISES. , BEING KNOWN AS: PROPERTY ID NO. : 431 NORTH 2ND STREET, WORMLEYSBURG, PA 17043 47-19-1588-091 TITLE TO SAID PREMISES IS VESTED IN MICHAEL L. GRAY AND NANCY L. GRAY, HIS WIFE BY DEED FROM STANLEY O. HAFNER AND ALMA G. HAFNER, HIS WIFE DATED 07/05/1984 RECORDED 07/05/1984, IN DEED BOOK T30 PAGE 873. ",;;rw";"'""I''';''~'~ _~~ ~I" '. - WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) , NO 01-3500 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due U.S. BANK NATIONAL F/KIA FIRST BANK NATIONAL ASSOCIATION, TR U/A DTD 5/1/98 (EQCC HOME EQUITY LOAN TRUST 1998- 1) Plaintiff (s) From MICAEL L. GRAY, 124 PARK DR., MIDDLETOWN P A 17057 and NANCY L. GRAY, C/O YMCA, 1101 MARKET ST., ROOM # 370, HARRISBURG P A 27103 (I) You are directed to levy upon the property of the defendant (s)and to sell REAL ESTATE LOCAED AT 431 NORTH 2ND ST., WORMLEYSBURG PAl 7043 . (2) You are also directed to attach the property of the defendant{s) not levied upon in the possession of GARNISHEE{S) as follows: and to notify the garnishee{s) that: (a) an attachment has been issued; (b) the garnishee{s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) Ifproperty of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify himlher that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $77,422.57 LL Interest 10/3/01 TO 3/3/04 @ $18.28 PER DIEM = $16,141.24 Atty's Corom % Atty Paid 1,269.32 Plaintiff Paid Date: NOVEMBER 25, 22003 Due Prothy 1.00 Other Costs CURTIS R. LONG (Seal) By: REQUESTING PARTY: Name MARK J. UDREN, ESQUIRE Address: 1040 N. KINGS HIGHWAYM STE. Attorney for: PLAINTIFF Telephone: (717) 397,3500 Supreme Court ill No. 06947 '-<;1P'W'~",'r",*"f'%_ ,_ ....,.~,'~ , ,>, -" ' ~ ~f ~ r r ^' -"-~,' ,"~ .H' lfl ""~ ",' ~M'~ Real Estate Sale # 48 On December 03,2003 the sherifflevied upon the defendant's interest in the real property situated in East Pennsboro Township, Cumberland County, P A Known and numbered as 431 North 2nd Street, Wormleysburg, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: December 03, 2003 By: JD~i~ Real Es~i;~e~~~ '~'! ,/. "- ,':lei rl," 1:0 Z! i 3311 , " All;;' jjl~jf,; :, ';:'I~ ;~ ,~'; 'J3U _ ,. :~1~%'~~JMF~~""""j'""";;>WIil'~W~I~~n"r'ii\:~'<"'I"'!~'~!$'!i<'fQ$"!H",,,~,(.,'f--~f'W"'!'_1I!"'l!!'$1"eJ~'",-",'''n~'''i''''''---;,'''''T+'''''''' ~~ ""''''",''''-',",P'''~~',':'7.' @~ ~@>~ .'" '"'---''N-,'~mo,',:,~'i''' REAL ESTATE SALE No. 48 Writ No. 2001-3500 Civil Term I.I.S. Bank National f/kla First Bank,NaticmalAssoc, TR U1A dated 5/1/98 ". . {EQCC Home Equity Loan' . " Trust 1998'1} ":-""-"".Vs , Mi,chael L;Gray :arid " Nancy L. Gray Atty:Mark.J. 'Udren , ' DESCRQ?TION ." , " j . ~ ' . " . .' ALVIHAT CER:rAlN lot 'of land' formerly situate'in EastPennsboro Thwnsbip, but noW in the ,Borough .of Wonitleysbuig, Ctiniberland 'COUOIy, Pennsylvania, knowo and descrlbe;l as . Lot No. 94 ~n PlanNo. 30f Edgewater, S!id Plan . being'recordedin Cumberland ConntyReqorder's . Office in Plan. Book I, Page)I., Said lot is more . particularly bounded and descrii>!od'aS'foUows, to ,wit:'. "', '; " "....' ,':','.;:,"'4'; , BEGINNlNG ai ,'pointon the EasIeJn Une of Second"Streetat the diviililifline between Lots ' N6"g4.and 95 on said.Plan, said point.being 400 feet ineisiIredNorthwardiy along Second Stree.t. frOm the Northeasl"cornerof Second'and' Elm '. Streets;. ~el]ce..in a'Southerly direction along the ' Eastern line of Secood Street 25 feef to a point on , the dividiiig line between Lots NOS., 93 and 94, said dividing line passing thrqugh the center, of , the' partition wall of the double two-stO))' brick " and frame, .dwelling.'erected in part upon thee lot .' . herein, deSCribed; thence in an Easterly ,direction . along said laslmentioned line 150 feet to River .' Alley; thence in a Northerly ,directioo'a1ong the i Western line of River Alley 25. feet to the dividing : .'lin~:between Lois Nos;,94'and 95,011 said Plan;: 'I thence inil Westerly.directi~n along said last ,B~~~~e 150 f:e\,~th: ~oinforpiace of . 'AND THEREON ereeted 'the Northern half of jaid two-story b)ick' and frame' qwilling house ,known as 431.1': Second SIt<:et. ",".,;~.... r . : ." .,;U1'jDER-ANJ)'SUBJEC4 nevertheless, to c-G'2Sii'icliotJs.Cotidificinsand easements of rior' !~perErriiligto,a;dpieiiils'es, .-.' ...;-cc-, fr:.BElNGKNOWN AS: 431 North22'~~:\i;:4 :..... ::~nrmleysb1llll,.PAl7.043.. -,- ;i.'_,'":,,,.' "::-::'PROPERTY ID NO.: 47-19,1588-091. '::.:. !:'::":'>,TITLE tosiid premises is 'vested in lvli~hael'. ! 1,. Gray and Nancy L Gray, 'his wife; by "deed frnm Stanley 0, Hafner and Alma G. Hafner, his wife, dated 07/0511984 recorded 07/0511984, in Deed Bnok 130 Page 873. . . ^. . ""'0 THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Michael Morrow, being duly sworn according to Jaw, deposes and says: That he is the Controller of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot-News and~ Sundav Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Metro editions which appeared on the 20th and 27th day(s) of January and the 3rd day(s) of February 2004. That neither he nor said Company is interested in the subject matter of said printed notice_or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resoluiion unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the omce for the Recording of Deeds in and for said County of Dauphin in Mis ellaneous Book 10M", V;I~:~I~:~;:~' umu.uuum.uuuuuuu.Luu uu COpy SA' E #48 Notarial Seal Teny L. Russell, Notary PublIC City Of Hanisburg, Dauphin County My Commission Expires June 6, 2006 Member, PennsYlVania Association 01_ CUMBERLAND COUNTY SHERIFFS OFFICE CUMBERLAND COUNTY COURTHOUSE. CARLISLE, PA. 17013 , , L ., < Statement of Advertising Costs To THE PATRIOT-NEWS CO., Dr. For publishing the notice or publication attached hereto on the above stated dates Total $ 270.97 Publisher's Receipt for Advertising Cost The Patriot News Co., publisher of The Patriot-News and The Sundav Patriot-News, newspapers of general circulation, hereby acknowledge receipt of the aforesaid notice and publication costs and certifies that the same have been duly paid. By uu .uuuuu uu ......u uu ............ uu umu m. m um.. l~ _. ,-. i.:. REAL ESTATE SALE No. 48 Writ No. 2001-3500 Civil Term . U.S. Sank National flk/a Fjrst Ban~ National Assoc, TR UIA daled 5/1/98 (EQCC Home Equity Loan Trus11998'1) , ,.\Vs Michael, L. Gray and Nancy L. Gray Atty: Ma~k J. 'Udren DESCRIPTION ALL THAT CERTAIN lot of land foonerly :situate in East Penllsboro 1bwnoJJip, oot now In the Borough of Wormleysburg, Cumberland County, Pennsylvania, known and described as Lot No. 94 on Plan No.3 of EdgeW'dler, Said Plan being recorded in Cumberland County Re<;ordcr's Office in Plan Book 1, Page 71. Said lot is more particularly bounded and described as folJow5, to wit: BEGINNING at a point on the Eastern line of Second Sireet at the dividing une between Lots Nos. 94 and 95 on said Plan, said point being 400 feet measured, Nortbwardiy along Second Street from tbe Northeast CQmer -of SC<.xmd and EIm Streets; theneein a.Soulherly direction along the Eil5tern line of Second Street 25 reel to a point on the dividing line between Lots Nos. 93 and 94, said dividing line passing thfQugb the center of the partition "vall of the double two-story brick and frame dwelling erected in part upon the lot herein descn'bed; thence in an Easterly direction along said "la~t mentioned line !jD teet to Rivet :Alley;' thence in a Northerly direction along !he Western line of River Alley 25 feet to the rnviding line between Lcts Nos. 94 and 95 on said Plan; tbence, In"a. :'Nesterlvdirection along said last' 'mimiioriCd Iirie 150 ieetto the point or place of BEGINl\1NG. AND TIfEREON erected the Northern half of Said,two-slory bricl:'and frame dwelling house knowna~431f:J.,SecondStr-;,-et ,,_ :": ,".,,,..IIND,?R AND, SUBJECT", ,.n,e~j:itbeless~ to ';:':::~4~~~~~~~~~:~:i:~;e~~,~'~nLs.: qr':,:,~,~r. r:- ':'".': '::".BEINO TiliQWN,As'; 4~1 N<irth 2nd ,Street, ::W6i'!n!.f!Ysblltt,P..4.1700:' . ,....,. . PROPERTY ID NO,: 47~19.1588'()91. ' " TITLE to sah:I premises is ~'esred in Michael. L. Gray and Nancy 1. Gray, his wiJe, b~' 'need from Stanley O. Hafner and Alma G, Hafner, his wife. dated 07/0511984 recorded 07105/1984, in Deed Book 130 Page 873. ~ , , REAL- ESTA1E SALE NO. 48 Writ No, 2001-3500 Civil U.S. Bank National. f/k/a First Bank National Association. TR U/A dated 5/1/98 IEQCC Home Equity Loan Trust 1998-1j VS. Michael L. Gray and Nancy L. Gray Atty.: Mark J, Udren ALL THAT CERTAIN lot of land formerly situate in East Pennsboro Township. but now In the Borough of Wormleysburg. CUl:nberland County. Pennsylvania. known and described as Lot No. 94 on Plan No. 3 of Edgewater. Said plan being re- corded in Cumberland County Recorder's Office In Plan Book 1. Page 71. Said lot is more particu- larly bounded and described as fol- lows. to wit: BEGINNING at a point on the eastern line of Second Street at the dividing 1ine between Lots Nos. 94 and 95 on said pian. said point be- ing 400 feet measured northwardly along Second Street from the north- east earner of Second and Elm Streets: thence in a southerly direc- tion along the eastern Hne of Sec- ond Street 25 feet to a point on the dividing line between Lots Nos. 93 and 94. said dividing line passing through the center of the partition wall of the double two story brick and frame dwelling erected in part upon the lot herein described; thence in an easterly direction along said last mentioned line 150 feet to River Alley: thence in a northerly direction along the western line of River Alley 25 feet to the dividing line between Lots Nos. 94 & 95 on said plan; thence in a westerly di- rectiOn along said last mentioned line 150 feet to the point or place of beginning. AND THEREON ERECTED the northern half of said two story brick and frame dwelling house known as 431 N. Second Street, UNDER AND SUBJECT, never~ theless. to restrictions. conditions and easements of prior record per~ WIling to said premises. BEING KNOWN AS; 431 NOR'IH 2ND STREET. WORMLEYSBURG. PA 17043. PROPERlY ID NO.: 47~19-15B8- 091. TITI..E TO SAlD PREMISES IS VESTED IN Michael L. Gray and Nancy L. Gray. his wife by deed from Stanley O. Hafner and Alma G. Hafner, his wife dated 07/05/1984 recorded 07/05/1984, in Deed Book 1'30 Page 873. ~. . ~ .~ PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAJL (Under Act No. 587, approved May 16, 1929), P. LJ 784 STATE OF PENNSYLVANIA .: ss. COUNTY OF CUMBERLAND : Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2,1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, VlZ: Jl\~~,( 16,23,30,2004 l\ffiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. - _TATE SALE NO. 4S Writ No. 2001-3500 Civil , U.S. Bank National. f/k/a FIrst Bank National Association, TR U/A dated 5/1/98 (EQCC Home Equity Loan Trust 1998-1) vs, SWORN TO i\ND SUBSCRIBED before me this 30 day of Jl\NUl\R,( 2004 Michael L. Gray and Nancy L, Gray Atty.: Mark J. Udren ALL TIiAT CERTAIN lot of land formerly situate in East Pennsboro Township, but now in the Borough of Wormleysburg, Cumberland County. Pennsylvania, known and described as Lot No. 94 on Plan No. 3 of Edgewater. Said plan being re- corded in Cumberland County Recorder's Office in Plan Book 1, Page 71. Said lot is more particu- larly bounded and described as fol- lows. to 'Wit: }?.I~:9I~.N!..~q ,~t a pO_!'J]l~~,E;...:t~$"" ...: NOTARI LSEAL LOIS E. SNYDER, Notary Public Carlisle Bora, Cumbe~and County My Commission Expires March 5, 2005 'T'''''';jf~'C'-''''''''~"l' >'::rif'-',, _,~ l!"!lll, ~ ~ ~ ","1 r~~ , ~- ~ . "'1,' ~,~ ,'e'".''' '''0"'.'"..''- V \-() ~ .,..~ ,."_ _ "~ ~Lkt 1,~~~iMll_~'I!'~t;ffl~~'~~~q'~r,~W"~~'P""J~'".j~'7.'<'"',"~,,.1.,.~rr!!" "',~ ,~.,-' ,,,,..-. ,,> " "'}-cllilY~~i~FF~ ,~~1lI!~" ,"''''-' ,.,r, UDREN LAW OFFICES, P.C. BY:- Mark J. Udren , , ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-482-6900 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff v. Michael L. Gray Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Defendant(s) ATTORNEY FOR PLAINTIFF . . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : NO. 01-3500 civil Term AFFIDAVIT OF SERVICE PURSUANT TO Pa.R.C.P.RULE 3129.1 Plaintiff, by its/his/her Attorney, Mark J. Udren, Esquire, hereby verifies that: 1. A copy of the Notice of Sheriff's Sale, a true and correct copy of which is attached hereto as Exhibit "A", was sent to every recorded lienholder and every other interested party known as of the date of the filing of the Praecipe for the Writ of Execution, on the date{s) appearing on the attached Certificates of Mailing. 2. A Notice of Sheriff's Sale was sent to Defendant{s) by regular mail and certified mail on the date appearing on the attached Return Receipt, which was signed for by Defendant{s) on the date specified on the said Return Receipt. Copies of the said Notice and Return Receipt are attached hereto as Exhibit "B". 3. If a Return Receipt is not attached hereto, then service was by personal service on the date specified on the attached Return of Service, attached hereto as Exhibit "B". 4. If service was by Order of Court, then proof of Order is attached hereto as Exhibit "B". / All Notices were served within the t~me/lim'ts set 3129. : I ; f , ' This Affidavit is made subject to th' penal relating to unsworn falsification to apthor I Dated: February 6, 2004 n'f~~"'*~ -"'<"'=" - ,,' ~ '~'''' ",,' <,"" ,~ - . - " ' ~'R compliance with said th by Pa Rule C.P. 18 Pa.C.S. Section 4904 ,,,. . ~ ~ ~ ~~, ~~ " :-- UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCRESTROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-482-6900 U.S. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff ATTORNEY FOR PLAINTIFF ~ COURT OF COMMON PLEAS ~ CIVIL DIVISION I Cumberland County 01-3500 Civil Term v. Michael L. Gray Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Street, Room #370 Harrisburg, PA 17103 Defendant(s) DATE: January 28, 2004 TO: ALL PARTIES IN INTEREST AND CLAIMANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY OWNER(S): Michael L. Gray & Nancy L. Gray PROPERTY: 431 N. 2nd Street Wormleysburg, PA 17043 Improvements: RESIDENTIAL DWELLING The above captioned property is scheduled to be sold at the Cumberland County Sheriff's Sale on ~ 2004, at 10:00 A.M., at the Cumberland County Courthouse, 1 Courthouse Square, Carlisle, PA. Our records indicate that you may hold a mortgage or judgment on the property which will be extinguished by the sale. You may wish to attend the sale to protect your interests. A Schedule of Distribution will be filed by the Sheriff on a date specified by the Sheriff not later that 30 days after sale. Distribution will be made in accordance with the scheduSK~BDeAs exceptions are filed thereto within 10 days after the filing of the schedule. ,:,'{<~(lj11W\l!;_JO ~ -., ~ ., ," ^ - ~ '_ . 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" o m Ii '" ~ DO iFD ~ mS"n;o ~ """:.::rCD I~ -ID- m;tl:::l S; UlQlQ.::l en n iij";c s::Ot'llCD m a 0 =l! ~. o - ~ 0' ~ ~ ." ~ ~ : 9~ DO;tlO Il)e.. m::T cO = ~ :Ece. ~ (DeE s:.~s-" o "D (1;.g, c 0 c..'O ~?;' ~!e.:s::a ;:IJ~ ~,~!a.-g.- ~.~ [if~m- !oil C S"C r:r -ClIW@ - 5i 5 g m~ '" ~ '0' ~ ~ <5' m 0 _c c ~ ~ ~' Q. 0;;- ::;;ffi ... (')00 ~ QeD .* Oa.!:) ~ ~ li' .,,;;0 ~ g:;U<Q, , 1l' ~ .,,(/)'6' m ~ - ~g ,.. c.~31 a;3i~ g~6i e?.S'3 00'0 0-". "2.3 CD 51 ~Cil .05-;::;;' -(0 iii" 5'00 -~c m ~" g:go. = m , m ."cn ~. ~J: " ii'~ ~ ~ "'." m ~ ~ I "'II UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-482-6900 U.s. Bank National F/K/A First Bank National Association, TR U/A DTD 5/1/98 (EQCC Home Equity Loan Trust 1998-1) 10401 Deerwood Park Blvd. MC FL9-015-02-14 Jacksonville, FL 32256 Plaintiff ATTORNEY FOR PLAINTIFF . , COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County :NO. 01-3500 civil Term v. Michael L. Gray Nancy L. Gray Michael L. Gray 124 Park Drive Middletown, PA 17057 Nancy L. Gray C/O YMCA 1101 Market Harrisburg, 0 "'" 0 = c = -n ;;:: J:"' -.., -t ~1J rXJ l""1 ::I:::n qr~; c;o tn, ","'-."'.. :g.~ ~~~~: I \.0 Q. GO ::I:-,j ~r-: -0 0- Zc' 3, f5Pn >c:: CP. z ~ .~ c:::> :0 \D ~-< Street, Room #370 PA 17103 Defendant{s) PRAECIPE TO FILE PROOF OF SERVICE TO THE PROTHONOTARY: Kindly file the attached Proofs of Service with regard to the captioned matter. UDREN LAW OFFICES, P.C. BY: Mark J. Udren, ESQUIRE Attorney for Plaintiff Date: February 5, 2004 EXHBsrr B <,;(~"'."rrf . -,'~. "" ',I ,,_ . ~ US Bank National FKA First Bank National Association, et. aI., Plaintiff(s) vs. Michael L. Gray, et. at, Defendant(s) Service of Process by APS International, Ltd. 1-800-328-7171 APS International Plaza 7800 Glenroy Rd. Minneapolis, MN 55439-3122 AFFIDAVIT OF SERVICE -- Individual Service of Process on: UDREN LAW OFFICES. P.c. --Michael L. Gray Court Case No. 01-3500 Civil Term Ms. Lillian Torres III Woodcrest Road Suite 200 Cherry Hill, N.r 08003-3620 L____________ , --------- St~t~o; P..e-n~~i\}~~;c:.. ) ss. County of: bOLUr ,'I'"") ) Name of Server: .,;:fW-Lp h [:'. ilihnSCf'\ , undersigned, being duly sworn, deposes and says that at the time of service, s/he was over the age of twenty-one, was not a party to this action; Date/Time of Service: that on the tjOfhday OfJ nu a 'j ,20 ,I2!:/:., at II " 5'(0'clock AM at )}~~p"~r~,,!>'r.~Y~~"^ ^ ' In J~1jfJ~le!~~~L~~ J79.S.7 Place of Service: Documents Served: Service of Process on: Person Served, and Method of Service: Description of Person Receiving Documents: Signature of Server: -i~~~- the undersigned served the documents described as: Notice of Sheriffs Sale of Real Property A true and correct copy of the aforesaid document(s) was served on: Michael L. Gray _'__W~"__""_w_.n~~'~ '""~'_'_n_'~ m~,MM_n' ,~, '" "M"'MM_ MM' lj By personally delivering them into the hands of the person to be served. I)(By delivering them into the hands of Lo Ia... Con n 'l'X'<' , a person of suitable age and discretion residing at the Place of Service, whose relationship to the person to be served is t:'rt e.no\. The person receiving documents is described as follows: ~ Sex r---; Skin Color iA Jh ; to ; Hair Color (<,.d 'j,o. I" ; Facial Hair - Approx, Age 30 -3:; ; Approx. Height 5'& II ; Approx. Weight I <S 0 J" -1 To the best afmy knowledge and belief, said person was not engaged in the US Military at the time of service. Undersigned declares under penalty of perjury that the for going is true and correct. Subscribed and sworn to before me this CJ n~ay of ,Qbru~ "~ ~":";i; t~(c~~"~--,:,(".) ! ,.' ,_.,,')il;:/\:,,~~,: i ! ,f-!'.,I'J(,.L;;, '-f k, " ;,',~;'v\J, Nu<:~,,! F~Ic)i',. 'I I ',_,~; ,.\ _,1. , , '-"", " ! f'lafri3lJi.lfg, Daupi i:(~ '~~ouflty I UV!y~ C".~~"~i:.15-XKtm~_i[] .____ d:.l.:.P ':1._"." ,pate)' , US Bank National FKA First Bank National Association, et. ai., Plaintiff(s) vs. Michael L. Gray, et. aI., Defendant(s) , , ! -- Service of Process by APS International, Ltd. 1-800-328-7171 APS International Plaza 7800 Glenroy Rd. Minneapolis, MN 55439-3122 AFFIDAVIT OF SERVICE -- Individual Service of Process on: --Nancy L. Gray Court Case No. 01-3500 Civil Term DDREN LAW OFFICES. P.c. Ms, Lillian Torres 111 W oodcrest Road Suite 200 Cherry Hill, NJ 08003-3620 , i _________~____,__________'____'_'_~__'~____"_"_...._.__,_,1 State of: f1, (l"~ 11)& n;n ) ss. County of: "DCU.Lf' h t"n ) Name of Server: :JQS-ILIP h r: ~h AS Or, , undersigned, being duly sworn, deposes and says that at the time of service, s/he was over the age of twenty-one, was not a party to this action; Date/Time of Service: that on the 30i-"- day of ~ 1'\ (, Ii 'r~ ,20 Qi., at I :Ob o'clock LM Place of Service: at .ll(j1Market Street Room 37!!_...~.._.___.__..~_..__.. ' m -':l.areishure, PA 17103........ Documents Served: Service of Process on: Person Served, and Method of Service: Descriptiou of Person Receiving Documents: the undersigned served the documents described as: Notice of Sheriffs Sale of Real Property A true and correct copy of the aforesaid document{ s) was served on: Nllncy L. Gray ~~=_~' By pers.onally dciivering them into the hands of the person to be served. ~By delivering them into the hands of ~ (' k i e -p, u.S~ ' a person of suitable age and discretion residing at the Place of Service, whose relationship to the person to be served is hvn -\- ~ :'\ k.. Y \A) C 4 The person receiving documents is described as follows: Sex L; Skin Color l'} h;t ; Hair Color blond.. / RY-d; Facial Hair Approx. Age 4 ~ ; Approx. Height 51 Cl. " ; Approx. Weight 100 o To the best of my knowledge and belief, said person was not engaged in the US Military at the time of service. Signature of Server: Undersigned declares under penalty of perjury that the foregoing is true and correct. ;h!~~ .... ;2.;1 <Jtate) APS International, Ltd. APS File #: 064027-0002 !";--"'--~m1l'W!!l" . ~ L< Subscribed and sworn to before me this ..dCnc(day of f1~1 .,', .;-: :,_ ':A1:.7 :':..-"(S0mmissioo...e.....f1ires) j ,\~ .J 1.'\'"\iJ' 1". SEfi1 i ,- t., "["". n ,",\ "')\~" 'I 'I"y 0,,>-1', 'I 1 .J_r\iI\~! .,!~~, h. '~,(:\, 'j." !\j(){;f I '"UI .' ~ "~r '~f). 'r~' C(;un'V I I,';~~c~~;i;~"'; "~'!:',?~~J EX~"l\ ~ \Ej nU b , ~ ~. ~ " "" . 1 I