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Home My WebLink About01-03694 '~i;",; BANK ONE, NATIONAL ASSOCIATION, TRUSTEE Plaintiff vs. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYL VANIA Court Term: OI-3G/14 Ci'/1\ BOBBY KENDALL CIVIL ACTION - LAW Defendant ACTION OF MORTGAGE FORECLOSURE TillS FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTINGTO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. NOTICE You have been sued in court. If you wish 10 defend against the claims set forth in the following pages, you musl take action within twenty (20) days after the CompIaint 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 sel forth againsl you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claim in the Complaint of for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights importanl to you. YOU SHOULD TAKE TmS POPER 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. CUMBERLAND COUNTY LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA I70!3 717-249-3166 AVISO LE RAN DEMANDADO A USTED EN LA CORTE. SI DESEA DEFENDERSE CONTRA LAS QUEJAS PERESENTADAS, ES ABSOLUTAMENTE NECESSARlO QUE USTED RESPONDADENTRO DE 20 DIAS DESPUES DE SER SERVIDO CON ESTA DEMANDA Y A VISO. PARA DEFENDERSE ES NECESSARlO QUE USTED, 0 SU ABOGADO, REGISTRE CON LA CORTE EN FORMA ESCRITA, EL PUNTO DE VISTA DE USTED Y CUALQUlER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA. RECUERDE: SI USTED NO REPONDE A ESTA DEMANDA, SE PUEDE PROSEGUlR CON EL PROCESO SIN SU P ARTICIP ACION. ENTONCES, LA COUTE PUEDE, SIN NOTIFICARlO, DECIDIR A FAVOR DEL DEMANDANTE Y REQUERIRA QUE USTED CUMPLA CON TODAS LAS PROVISIONES DE ESTA DEMANDA. POR RAZON DE ESA DECISION, ES POSSffiLE QUE USTED PUEDA PERDER DINERO, PROPIEDAD U OTROS DERECHOS IMPORT ANTES. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATEAMENTE. SI NO CONOCE A UN ABOGADO, LLAME AL "LAWYER REFERENCE SERVICE" (SERVICIO DE REFERENCIA DE ABOGADOS), (215) 238-6300. CUMBERLAND COUNTY LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 i;:r -, ~ , , -". ,J. '_Or, ~.;:'''':("'' lliiW@'M~'l>;i BANK ONE, NATIONAL ASSOCIATION, TRUSTEE Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA vs. Court Term: BOBBY KENDALL CIVIL ACTION - LAW Defendant ACTION OF MORTGAGE FORECLOSURE THE FOLLOWING NOTICE IS BEING PROVIDED PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C. 1601 The undersigned attorney is attempting to collect a debt owed to the Plaintiff, and any information obtained will be used for that purpose. The amount of the debt is stated in this Complaint. Plaintiff is the creditor to whom the debt is owed. Unless the Debtor, within thirty (30) days after your receipt of this notice disputes the validity of the aforesaid debt or any portion thereof owing to the Plaintiff, the undersigned attorney will asswne that said debt is valid. If the Debtor notifies the undersigned attorney in writing with the said thirty (30) day period that the aforesaid debt, or any portion thereof, is disputed, the undersigned attorney shall obtain written verification of the said debt from the Plaintiff and mail same to Debtor. Upon written request by Debtor to the undersigned attorney within said thirty (30) day period, the undersigned attorney will provide debtor with the name and address of the original creditor if different from the current creditor. PURCELL, KRUG & HALLER 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 Attorney I.D.# 15700 Attorney for Plaintiff i ~ ~~ I "_ ,_ " ~ If ~1llJ' """;""" BANK ONE, NATIONAL ASSOCIATION, TRUSTEE Plaintiff vs. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Court Term: 0(- 3~ ~N Cwu--r.-U/W-' BOBBY KENDALL CNIL ACTION - LAW Defendant ACTION OF MORTGAGE FORECLOSURE COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff, BANK ONE, NATIONAL ASSOCIATION, TRUSTEE is a corporation, acting through its servicing agent of HOMECOMINGS FINANCIAL NETWORK, INC., whose address is 9275 SKY PARK COURT, SUITE 300, SAN DIEGO, CA 92123. 2. Defendant is BOBBY KENDALL, whose last known address is 776 BALTIMORE PIKE, GARDNERS, P A 17324-9010. 3. On or about, May 20, 1999 the said Defendant executed and delivered a Mortgage Note in the sum of $63,000.00 payable to MERITAGE MORTGAGE CORPORATION, which Note is attached hereto and marked Exhibit "A". 4. Contemporaneously with and at the time of the execution of the aforesaid Mortgage Note, in order to secure payment of the same, Defendant made, executed, and delivered to original Mortgagee, a certain real estate Mortgage which is recorded in the Recorder of Deeds Office of the within County and Commonwealth in Mortgage Book 1549, Page 8, conveying to original Mortgagee the subject premises. The Mortgage was subsequently assigned to Resource Bancshares Mortgage Group, Inc. and recorded June 9,1999 in Mortgage Book 615, page 617. The Mortgage was subsequently assigned to Bank One National Association, Trustee, and will be sent for recording. 5. The land subject to the Mortgage is: 7 WALNUT STREET, NEWVILLE, PA 17241 and is more particularly described in Exhibit "B" attached hereto. 6. The said Defendant is the real owner of the property. - $" ,~ " - ." I '" --~- ,"" -, . "."C." _ "'~',, . ~ '~', 7. The Mortgage is in default due to the fact that Mortgagor has failed to pay the installment due on October I, 2000 and all subsequent installments thereon, and the following amounts are due on the Mortgage: UNPAID PRINCIPAL BALANCE $62,630.75 $5,165.16 Interest at $18.92 per day from 09/01/2000 To 06/01/2001 (based on contract rate of 10.8750%) Accumulated Late Charges $0.00 Late Charges at $29.70 Per month for 10 months $297.00 Escrow Credit $54.1 0 Attorney's Fee at 5% of Principal Balance $3,131.54 $71,170.35 **Together with interest at the per diem rate noted above after June 1,2001 and other charges and costs to date of Sheriff s Sale. The attorney's fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and will be collected in the event of a third party purchaser at Sheriffs Sale. If the Mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged that are actually incurred by Plaintiff. 8. No judgment has been entered upon said Mortgage in any jurisdiction. 9. Plaintiff has complied with the notice procedures required by Pennsylvania Act 160 of 1998 by sending to each Defendant, by regular mail, a copy of the Combined Act 6/91 Notice. A true and correct copy of the Combined Act 6/91 Notice, along with a copy of the Certificate of Mailing, is attached hereto as Exhibit "C". 10. Defendant is not a member of the Armed Forces of the United States of America, nor engaged in any way which would bring him within the Soldiers <md Sailors Relief Act of 1940, as amended. . -j. ,,~ I _ J '. <..,'," '~.,iy>''-''li'''1:::lI:if,;' > 11. The Defendant has either failed to meet the time limitations as set forth under the Combined Act 6/91 Notice or has been determined by the Pennsylvania Housing Finance Agency not to qualify for Mortgage Assistance. WHEREFORE, Plaintiff demands judgment in mortgage foreclosure "IN REM" for the aforementioned total amount due together with interest at the rate of 10.875% ($18.92 per diem), together with other charges and costs including escrow advances incidental thereto to the date of Sheriff s Sale and for foreclosure and sale of the property within described. ~~ By: ~ PURCELL, KRUG HALLER Leon P. Haller, Esquire Attorney for Plaintiff LD. # 15700 1719 N. Front Street Harrisburg, P A 17102 (717-234-4178) , . '0. N ~ BALLOON NOTE E (FIxed Rate) THIS LOAN IS PAYABLE IN FtJLL AT MATVRlTY. YOU MUST REPA Y THE ENTIRE PRINCIPAL BALANCE OF THE LOAN AND UN1>AID INTEREST THEN DUE. THE LENDER IS UNDER NO OBLIGATION TO REFlNANCI\THE LOAN AT THAT TIME, YOU WILL. THEREFORE. BE REQUIRED TO MAKE PAYMENT our OF OTllER ASSETS THAT YOU MAY OWN, OR YOU WILL HAVE TO FIND A LENDER WlDCH MAYBE THE LENDER YOU HAVE THIS LOAN WITH. WILLING TO LEND YOU THE MONEY. IF YOU REFINANCE THIS LOAN AT MAT\lIllTY. YOU MA Y HAVE TO PAY SOME oIl ALL OF THE CLOSING COSTS NORMALLY ASSOCIATED WITH THE NEW LOAN EVEN IF YOU OBTAIN THE REFINANCING FROlll THE SAME LENDER. 11111111111111111111111111111111111111111111111111 JUN OZ 1998 - MAY 20. 1999 {Dalel JlBNNSYLVANIA V;....J NORHLBYSBURG /Curl , WALmlT BTRBft NEWVILLI, PA 17241 IPtopenyAddrca] 1. BORROWER'S PROMISE TO PAY In return for a loan lh;lt I bave received, 1 promise to pay U.S. $ 63. OOG. 00 (this amount is called "principal"), plus interest, 10 the order 4fthe Lender. The- Lender is KBRITAaB HOllTGAGB CORPORA'rtON, AN ORBGON COJlPORA'rIOK I undersland thai the Lender may transfer this Note. The Lender or anyone wbo takes tbis Note by lransfer and who is tmlith:d (0 receiV/: paymeots under this Note is called the "Note Holder." 2. INTEREST Interest will be charged on the unpaid principal until the full amount of principal has been paid. I will pay interesl al a yearlyrateofl0.87S ~. TIle intemil rate required by this Section 2 is the rate I wUJ pay both before and after any default described in Secc-ion 6(B) of this Note. 3. PAYMENTS (A) Time and Place or Paymenls J will pay principal and inlerest by making payments every month. I will make my monthly payments on the 1ST day of each month beginning on JULY 01, 1999. I willlllake these payments every month unlill have paid all or the principal and interest and any other charges describtd below that I may owe under this Note. My monthly paymenlS will be applied to interest before principal. If, on JtJNE 01, 2014 . I still owe amoUO(s under this Note, I will pay those amounts in fun on chat date, which is called the "maturity date." I wUJ make my ttlOflthJy payments af 5655 SOU'l'llWBST MEADOWS ROAD, Stl'ITE 350 LAXI OSWEGO. OR 97035 ,or at a different place if required by the Note Holder. (B) Amount 01 Monthly Payments My nwnLbJy payments will be ia tlw:unauffl of U.S. $ 594.03 4, BORROWER'S RIGHT TO PREPAY I have the righl to make payments of principal at any lime: before they are due. A payment of principal only is known as a "prepayment." When 1 make a prepayment. [wlU tell1he NOIe Holder io writing thatl am doing so, I may make a full prepayment or panial prepayments without paying any prepayment charge. The Note Hold~r will use all of my prepayments to reduce the amount of princi])allhat I owe under this Note. If I make a partial prepayment. there will be no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes. 5. LOAN CHARGES It' a taw, wbich applies to this loan and which sets maximuDl loan charges. is finally interpreted so 1hat tilt: interest Ot other loan char,ges conecu~d or to be collected in connection with this loan exceed the permitted limits. then: (i) any suth loan t:harge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (ii) any sums already collected front me wbich exceede4 permitted limits will be refunded to me. Tbe Note Holder may choose to make Ihis refund by reducing lhe principall owe under tbis Note or by making a direcl payment to me. . If a refund reduces principal. the reducdoo will be treated as a partial prepayment. 6. BORROWER'S fAILURE TO PAY AS REQUIRED (A) Late Charges tor Overdue lJuyntents If the Note Holder has nOl received the full amount ot any monthly payment by the end l.}f 10 t:ah:ndar days after lhe date it is due. I wili pay a 'aier charge to the Note Holder. The amount of the chargewm be 5.000 % afmy overdue pay~nt of principal and interest. 1 will pay tbis late charge promptly but only llRce on each :ate payment. (D) Default U I do not pay the full amount of each monthly payment on the date it is due, I will be in default. (C) Notice of nerault DDS-TR3 PAGE I EK'HlfOf1 -'" '/Al\ I. ~ . ~ ' -'.. ,b',;' .,-, ~""'!j, Ji .' ,j, -$' <jj~' . .'. If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may require me to pay immedial:ely the full amount of principal which has not been paid and all the interest that I owe on that amount. That date must be at least 30 days after the date on which the notice is delivered or mailed to me. (0) No Waiver By Note Bolder Even if, at a time when I am in default. the Note Holder does DOl require me to pay immediately in full as described above, the Note Holder will sIiII bave the right to do 80 if I IDa iD default ~ a later time. (E) Payment of Note Bolder's Costs bd ExpeIIses If the Note Holder bas required me 10 pay immediately in full as described above. the Note Holder will bave the right 10 be paid back by me for all of its cost and expenses in enforcing this Note to the extent DOt prohibited by applicable law. Those ell-pense! include, for example. reasonable attorney's fees. 7. GIVING OF NOTICES Uoless applicable law requiIes a different method, any notice that must be give:q to me under this Note will be given by delivering it or by mailing by first class mail to me at Ihc Propeny Address above or at a differeDt address if I give the Note Holder a notice of my different address. Any notice tf1a( must be given to the Note Holder under tbis Note wilt be given by mailing it by first class mail to the Note Holder a11he address stated in Section 3(A) above or at a different address if 1 ma given a notice of that different address. 8. OBLIGATIONS OF PERSONS UNDER HIS NOTE If mort than one person signs this Note. each penon id fully and personally obligated to keep all of the promises made in this Note. including the promise to pay the full amount owed. Anyperson who is a guarantor, surety, or endoner oftbis Note is also Obligated to do these things. ,Any person who takes over these obligations. including the obligations of guarantor. surety or endOf$e1' of this Note, is also obligated 10 keep all of the promises made in this Note. The Note Holder may enforte its rigbts under this Note against each person individually or against all ofus together. This means that any one of us may be required to pay all of the amount owed under this Note. 9. WAIVERS 1 and any other person who has obligations undertbis Note waive the rights ofpresentmeDt and notice of dishonor. Presentment means the right to require the Note Holder to demand pBymen1 of amounts due. Notice of dishonor means the means lhe right to require tbe Note Holder to give ootice to other per80DS that amounts due have not been paid. 10. UNIFORM SECURED NOTE This Note is a unifonn iostnJment with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed CJf Trust or SeCurity Deed (the "Security ~n), dated the same date as this Note. protects d1e Note Holder from possible losses which migbt resu1t if I 'do not keep the promises wbicb 1 make in this Note. That Security Instrument describes how and under what conditions 1 may be required to make immediate payment in full of all amount I owe under this Note. Some of those conditions are described as follows: Transfer of the Property or a BenefidaI Interest in Borrower. If all or any part of the Property or any interest in h is sold or transferred (or if a beneficial interest in Bo1rower is sold or transferred and Borrower is not a natUral person) without Lender's prior written consent, Lender may. at its option. require iImnediate payment in full of all sums secured by this Security Instrument. However. this option shall not be exen:ised by Lender if eXeJcise is prohibited by federal law as of the <late of this Security Instrument. If Lender exercised this option, Lender sball give Borrower notice of acceleration. The notice shall provide a period of not less that 30 days from the dale the notice is delivered or maned within which Borrower must pay all sums secured by this Security Instrument. IfBo1rower fails to pay these sums prior to tbe,ell.piration of this period, Lender may invoke any remedies pennitted by thi. Security Instrument without funher notice or dmlJ71 o.n,,~~r)j'f) WITNESS THE HAND(S) AND SEAL(S) OF THE ~GNED. fWlC~;; f'1'" .&~??~ BOBBY 195-28-0510 ,-.;, fjJ (SIAL) DATI Pay To The Order Of '''''i~ Pay To The Order Of RESIDENTIAL FUND../NG COBP Resllume Ilant:sIlal\ls Moltgage ~ Inc. WilhoUf ROCOWlle ~ anck' rUclvlYY) '~.(j 'rf,J' R Cind,Callaham.SeniorVicePlSSidenl i . ~J Yf:.::!::. esoUn:e8ancshamsMMgageGnlop.IlI:. Marftage Mortgege corponIIIIlII (Sign Original Only) SEE BALLOON NOTE ADDENDUM ATIACHED HERETO AND MADE A PART HEREOF. /3V I( INlTlALS - INITIALS INITIALS INITIALS DDS-TR3 PAGE 2 . . PREPAYMENT ADDENDUM TO PROMISSORY NOTE ( ."""lIn,vAllIA ) [i] Prepayment Penalty - First ( 3 ) Year(s) of Note This Addendum is attached to and made a part of the Note to which it is affIXed executed by the undersigned (hetein "Maker". whether one or more parties). To the extent of any conflict between the provisions ofU1e Note and the provisions of this Addendum, the provisions aftbis Addendum sball supersede and control the conflicting provisions of the Note. The following provisions are hereby added to the Note: If you repay your loan before the end of the TBrRD Note Year (a "Note Year" consisting of the twelve-month period conunencing with the date of the Note and eath twelve-month period thereafter ocwrring during the term of the Note which commences on the anniversary of the date of execution of the Note), Maker may prepay up to. but not in excess of, 20% of the originaJ principal amount o{tIle Note (the "Prepayment Li:mitar.ion'" without penalty. Auy prepayment afthe principal amount of the Note in excess of the Prepayment Limitation sbalJ be conditioned upon Maker's payment of a prepaymem fee equal to the interest that WOUld accroe during a six-month period on the amount of principal that is prepaid which i8 in excess of the Prepayment Umitation calculated at the rate of interest then applicable to this Note. In the event the maturity of the Note is accelerated fur any reason, then the prepayme.ut fee set forth hetein sh811 be: due and payable witb respect to the portion of d1e principallWaoce wbidl is in e:ccess of Ib: Prepaymem Limiwion. NOTICE TO TBEBORROWER DO NOT SIGN THIS LOAN AGREEMENT BEFORE YOU READ IT. THIS LOAN AGREEMENT PROVIDES FOR THE PAYMENT OF A ptNALTY IF YOU WISH TO REPAY THE LOAN PRIOR TO THE DATE PROVIDED FOR REPAYMENT IN THE LOAN AGREEMENT. Signed for identification: MAKER: /1../# 7~ ~~-{/ BOBBY ICINDALL oh.o ('1'/ IlATll DDS-TR2 . ." BALLOON NOTE ADDENDUM [!] BALLOON PAYMENT TIllS LOAN IS PAYABLE IN FULL AT THE END OF 15 YEARS. YOU MUST REPAY THE ENTIRE PRINCIPAL BALANCE OF THE LOAN AND THE UNPAID INTEREST THEN DUE. THE LENDER IS UNDER NO OBUGATION TO REFINANCE THE LOAN AT ANY TIME. YOU WILL THEREI'ORE BE REQUIRED TO MAKE PAYMENT OUT OF OTHER ASSETS YOU MAY OWN, OR YOU WILL HAVE TO FIND A LENDER WILLING TO LEND YOU THE MONEY AT PREVAILING MARKET RATES, WHICH MAY BE CONSIDERED HIGHER OR LOWER THAN THE INTEREST RATE ON THIS LOAN. IF YOU REFINANCE THIS LOAN AT MATURITY, YOU MAY HAVE TO PAY SOME OR ALL CLOSING cosrs NORMALLY ASSOCIATED WITH A NEW LOAN, EVElI IF YOU OBTAIN REFINANCE FROM THE SAME LENDER. Iif?~ ?C ~/ BOBBY 5 .2J>. Q;;) DATB DDS-TR4 ~ - ;'1 , ~ ~ J " ~''; '" -' l ~" _ Rbl"",""-'. ALL THAT CERTAIN parcel of land situate in the Borough of NeWville, Cumberland County, Pennsylvania, bounded and described as follows: TRACT NO.1 BEGINNING at a post in the line of land now or formerly of Harry J. Shenk; thence by said lot South 8 degrees east 86 feet 10 inches to the line of Walnut Street; thence on the line of Walnut Street, South 71 3/4 degrees west 50 feet to the corner of Walnut Street and Buchanan Streets; thence by the line of Buchanan Street, North 8 degrees west 109 feet 4 inches to a post at a corner of lands now or formerly of Harry J. Shenk; thence by said lot North 82 degrees east 44 feet to a point the Place of BEGINNING. TRACT NO.2 BEGINNING at a point on the line of Buchanan Street at the northwestern corner of' Tract No. 1 herein; thence by the line of Buchanan Street, North 8 degrees west 8 feet; thence by the line of property of Kalbach Estate, North 82 degrees east 44 feet to a corner; thence by the same South 8 degrees east 8 feet to the line of Tract No.1; thence by the line of Tract No. 1 South 82 degrees west 44 feet to the place of BEGINNING. Containing 352 square feet. HA~ING thereon erected a two story: frame dwelling house known as No. 7 Walnut Street, Newville, Pa. " Ex H-{~{T 46 JallUl'lry 12, 1001 Certified MsiJ. R~tum Rcceip~ Rli:q..w$~od - 0431411297 Robby Kendall 7 Wl\lnu~ Swci N~wvi1le. PA \1'241 U,c' Prop.!tly ^"drc~'1: Loun N\lmber: 7 Walnut Street No!WVillc, PA 17:!41 0431411297 A default e.~i~15 under tho ahove referenced MOrlgtlB"lDced oiTrust 10!l1'1 agreement 'fh" uction n:'lulrcd to eUtt Ih~ do(hult i!; tl1.c payment of ull $llm~ due under the MortSllsclDeed (If Trust !nl\n ~sreelnenl. As l~f Iht'! date of thi3 leUer the lUIUll\m<>ul\t due is 5 2.736.69. That ,!I;um illcl\ldcs the following: 4 pS}'1nent!; totaling: $ 2.704.27 7,:\t.;: charges. $ . ~9.10 01hcr ree~ and/or COStS $ I iSO UnapPbed }o~uml::'i ' $ 7Z I ~ The touli UInUUl')t due ~hown above is :j;o,.lbjcr.;t ") fUtlher increascs for addi1.iunul ml)nthly paymenls, latc charge::;. attomey fces.lll1d/l'T' (lther fcea and oo~1 which mllY hacM'IC due, after the date oCthi:-; l~l1cl'. To obmm an tlpdate ~If,hl! tntal :\lnoWlt due to t.'UrC! I.hi~ default. comnet UlIII 1-800-206-290t. TO CUJ{J; l'HIS DEFAln~T, SBNl) YOUR CASl-lTRR'S CHECK, MONEY ORDER, OR CEIUlfJED CHBClC IN TIiE AMOUNT OF $ 2.736.69 BY F',b".... 11 2001 TO mE mLLOWlNG ADDRESS: Honlt'CominG.lJ Financial Network, P.O. Dos 78426 Phoenix, AZ 8S062~84U. OR OVIi:1tNl'OHT TO; 244~ W. Dunl~p Avcnu~) Suite 100 Phornu, A2 8SOU-ZfI0J. - Tfthe default ill nol clIred within thiny (30) day:s of Ih~ l1loilir18 of this lelfer. th~ krnl~l'. without further noric~ or clcmunu. wilt llCCelcl'alc the mULuri\y dAte of thc Note and dcclurc: 1'111 :;UIl\!I secured by Ihe Mungug.tlDeoc:l or Truoi( to be immediately due and pl'l)'oble, The lender then inh".mls l.;l h:\v'~ the property sold III .. public forcclosun: swt:. ~ acceleration, II curing of the dcfl\ult and rcinstutemcnt of lhli\! 10.'111 will be pcrmiued up \0 The time or the sale by payinl!J the pn!ll due monthly puymcn~"i rind other ~W\1S then due tlndl,1r the MnnwclDccd Qf Truzt lnan liS,recmcnt antl by ~I)mplyhla with all tcrrn~ of rcin:sultl!lmcnt. You Mve thc right ro bdnQ: a court action h) u:sset11he nonCXlsICI1.CC or IJ tlc:Cuult or flllY olhc:r defense that mllY ~jst to prevent aeed-eralion and ::mlc ofthc property. TillS NOTICE IS SF-NT TO YOU II'< AN ATrr;MPT TO COLLECT Tl11J lNDllflTEDNBSS REFhR.1<bD TO HEREIN AND AN Y INFORMATION OB'I'AIMiD FROM YOUWlll BE USED FOR THAT PURPOSE, Sincerely, Loun Coun~c1ing Depar!nlc:nt HlH - -EX 1-1 t81 T IIC Ic- RECEIVED TIMEMAY. 25. 3:42PM PRINT TIMEMA~ 2~ " ~~;''', 4:48PM ,j, ":' ":~J~ ~ ,~ ''';:,1 C_"~'l'~ ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE - nll~ NOIK'E IS SITNT TO YOU IN AN ATTEMl'T TO COLLECT Trm lNDEIlTHDNESS REFERRED TO HERElN AM) MY IN"FORMATJON ClIlTAlNED FROM YOU WILL Bb U~Jill fOR TIlAT PURPOSR :Thi!'; i!': Ith nffiei:J.1 nmica that the tnonl!M~_on youthQmltiti in d~r;\ult lll'ld (he lander intends to IO:t:~clolle. Spl:cilij.: inCommlic,1l"IJINit.1 rho'. nntllro of the def:'l.ult iSI1F-Q:rictl:.d in lhe ~11~~ Th~ HOMFO~R'S MOR'!':'Qbg,I:::.ASSIST.ASc:r:. PRnG'R^M ffiRMAP) may be 3ble_t~.1\dp It\li~I\lC_YJ,lUt.~ Thi.~~Plic~. C':<plll\n!> hOVlo lho!' nto$mm wmkft To see if~ (""Wl hd~Y')1J mu...t MF.RT W!'I'H A (,ON$(J~.CR.EDrr c..OJJN~Rr.rNG AC',.F.'NCY WITHJ.N '\0 nA y~ OF 11i nAiF. OF 'fHIS NQTl.C1L tpk~ thi~ nOLi~e with vall whcn vou metl Wil~..1~ C<"IlJ1l$C!.lmg Al"llnl:V Thr. Tmmlll. nddl'Q.'1!'!. ~nd nhl:'ln.: numbC{.oJ' C01l111mt'r C~l'\'!dil C::lIInll.:J1jne: 1\fil:Clneic.~ !'lcrvin!;'yqur CounIY.l\ft" li~t"ll !It Ihe end_~(thl;i NQ.licc rfvnu hilvi!l tltlV aUC!l.tiOl\s. YOU mllY.c.sll thcbnru;ylvl\nill nnu.'tln~ 'Fi!l::ltl.c.c Aeenc:v loll t'ree ~.tJ.: 800.34~~.1'.O:llef'SonS'_ 'lTlpuiN'ld h.win~ CM call (117) 7811~.1. 85!D. Thi!'. Notices conlsins imponanl legal informu\illn. If you hall!! any questions, rcpr~senta1ivc$ Illlhc <;on.osumer Credit CO\U1;)o:lil1iji ~""'r:y may he able 10 help cxplain it '101.1 muy uL'IO "varu to COn11Wt an attorney in your stco. thc Itx:ul bar all~ociulil.ln ml.ly ~ nhlt! to halp yol.l find a la~r. LA NOTlFICAClON !iN ADIUNTO ES nR 5UMA 1MP0IUANClA l'UE~ AFECTA S1J DRRECHO A CONTINUAR V!V1F.N1)O EN SU CASA SI NO COMPRJlN1)H FoJ, CONTENlDO DE ESTA NOTIFICACION OBTENGA UNA l'RADUCCTON lMMEDlATAMBNTE LLAMANDA ESTA AGF.NClA (PENNSYLVANIA HOUSING FlNANCE AGJiNCY) SIN Ci\RGOS AT. NlJMERO MENCIONAlJO ARRIBA, l'IJEDES SEl< EJ.!jOffiLli PARA UN PJUiST AMO POR EL l'KOUJU\M,\ LLAMADO "HOMEOWNER'S EMJ;IWIiNCY MORTOAClF.ASSISTANCJi J>ROGRAM" III CUAI, PUF.DR SALVAR SU CASA DE LA PIlRDIDA DHI. DBlti-:CHO A RIlDlMlR 51 J H11'OTECA. - Date: Jamuuy 12, 2DO I TO Bobby Kcmlall 7 Walllul Sueet Ni!lwvil1~, PA 17241 Pr~mi~",s: 7 Walnut 5lrcct Newville, PA 17241 Ra: Loon N'l.Im~: 0431411297 FROM' Hom.::C:nmina~ Financial N'c1~m - REef: VED T IMElvIAY. 25. ,. L ;P[\lj .I. .~. , PRINT TlMEMAY. 26. 4:48PM - - - "' J~ ""~. , i,~~~ ,.'"" "0 """~~- HOMEOWNERS' EMERGENCY MORTGAGE ASSIST ANCF. PROGRAM VOU MAY BL: ELIG1Yll.F. FOR FINANCIAL ASSISTANCF. WHICH CAN SAvE VOlm HOMF. mOM .'ORECJ.OSIJRE AND HELPYOO MAIm FlmJRF. MORTGAGE PA VMtNTS IF YOU COMl'L Y WITH THE PROVISIONS 0,' Hili HOMEOWNER'S EMERGENCY MORTGAGE ASSITANCE ACT OF 198.1 (T}{E -ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DHAlILT HAS DEEN CAUSED II Y cm.eUMST !\NCES BEYOND YOUR CONTROL, IF YOllHA VE A REASONABLB PROSP[JCT Of HEING ABLE TO PAY YOUR MOl(:WAOCPAYMENTS, AND IF YOU MliliT ornER ELlGlBrul"Y RJiQUlRllMllNTS r,3T A.llLISHBD BY TIll) PENNSVl. V ANTA HOtlSING fWANCE ACENCY, TRMPORAR\' ST^ Y O'li' FORILCLOSURI:: - UrnlC'r Ihe ~l, you are enliUed fO il \.emp..>tnry !It:'Iy of f.xcclo&'llre lID your .m,')!tS3Sc for thiny (30) days from the dal.~ of (~Nolict. During th.'\l tim~1 you mUlil tl(ti\l'16101 300 al1C:nd a "facc~w-fau" fllBetillg with onl: of tht COD$W11Qr erc:dit counseling ogen,aes liSted at the end of lhi.. Notice. ~ MF:ETlNG MUST OCCIJR WITIUN THE NF-XT 3B DAYS. IF YOU L)() NOT APPI.Y FOR EMBRGEN~Y MORTOAOF. ASSIS'l:t\NC:h YOU lvTllST BRlNG X~fll1~ MORTGAGE UP to l}A'IT THR TJART OF nus NOTICE C'All,F.O '"HOW TO (lIRE YOllR MORTGAG#~DllFAm.T''- RXPJ.AlNS }Iqw.TO I1RING YOUR MORTGAGE tiP tQ.D.iIIE. CONSUMER CR....nTT COUNSELING AGRNCrFS - 11" you mC'ct with One of the 'con9wner crcdil. CQ\U1lieling ~gcncie~ li31C.d 3.t the end oflhis notice:, the: 1c:nder may NOT mkc l\CtiOl\ asainsl you fur \hirt)' (30) ch)" aller the date of lhis m<:cling, The names add~r;~'" Bnd t!l05nh\~ne: numb~..of dr'slQT'1f\wd c:,)I\.<[\1mcr crtdill:;Olm..~Ii"Q nll:endl!S ~or the eountv i.n whir:h lhe omnc:nv is loca!~d Il'{"~ ~1 rnrlh at the end Qfthi;).~. It i~ ,)I\ly neccssary 10 ~ch~(lulc unob fQCe~tQ~t'3ce m~etins. Advise your lender i1l1mC':-VJl.5i.b: of your imc:ntions. APPI.lCA TI()N FOR MOR'l'GACR A!ot.4;IST ANCE. - Your rnortgng~ i~ ir\ default ,'or the rCDlOOIL'S .set fOl'th later in this Notice (lice followinS ps~ for :ipcl.'ific infotm"tion l'Ibout the naLun: vf your dcfi'l.ult.) If you have IriC'u urJd N'<! unable to tesolv(' Ihili probleln w1th the lender. YllU hRve the right to apply lor ftnMC10I 3!1sistance from the HomeoWJlCr', fmcrgcnl.'Y MUr\~ A!IS\!':L"lncC PrOgnJm. Ti,) do !'So, you must fill 01.11, lSign Md file a completcd Homeowner'.s Emergeney Assi'lJlanCe Progrom Applicl)w;~n with one of the design.f1tecl con!r.Unlcr c~i1 t:uunselins lIg..:m,:ies lis~d at the end of Ihi~ Notice. Only e:onsumtt crC'dit COUrulclins agencies hliVC' QppliCRtionll for me program and they w1l1 (\SSilU you in submitting a complete ap~lication to the PlWl...ylVill1i3 Housins l"manc<: J\gency. Your application MUST be filcu llt p('\!l.tm~rkcd within thirty (30) days ofyoW' face-to-f!lct mecr.ing T ,F.NIlF:R CONl'ACTlN REGARDS TOPllNNSYI.VANlA. HOUSING FINANCIAl. ASSISTANCE HOIl'lt:Comings FinMcinl Network 9:75 Sky Park Coun San I)icgo, CA92123 Ann: Loss Mitis;ation DeJ?l'ltlln.:lnt, Steven Roark Plwnt: 1.888.S10-4oE7, ,Xl, 5130 RECEIVED TIMEMAf 2~ 3: 42PIvI PRINT TIMEMAY. 26. 4:48PM ..: ~ h '_~ , , ~I~, '-'-~-> ,',j. <' ,";;Cu , "~",C. , ' , ~'t'~Ji<;""t - ALL C()RRESPOND~N(;E REGARDING PH~'A ASs/STANCE SHOULD BE FORWARDED '1'0 TH~ ABOVE REFERr:.NCF.D AlIDRESS. YOU Mli~J: FILE YOUll APPLlCAll0N PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOw TIlE OTHF.R TIME PERIODS SiT FORTH IN 11I1S LE'I"I'J!:R" FORECLOSURE MAY PROCEID AGAlNST YOUll HOME IMMEDTATF.T.Y AND YOUR APPLICATION FOR MOllTGAGE ASSISTANCE WlI.[. SEDENlED. AGRNC.V ACTION - Availabl(' funds: for emergency mortgage u.>;$iSIWl(';( an. vary limIted. They will be dillbum:d by the J:\tcn,,'Y uncl<< the c1igihili1Y criteriil c:-;tubli!)h~ hy tha Act. Thc l~cnngylvania Housing Finnnce A&lflC')' h:'l.~ $1l<<Y (60) days to mak(' 1\ deci~;(lfI :liter it receives yom upplicntlon. OUting th:u lime, no foreclosul'C proceeding." will be puml,lo!;lld 1l.Q,.1.imlt you ifyouhuve m.;ot the timc requirements set folth above. You w\l1 M nmined directly by tha pe'lnil)'lvania J1oUiinl; Finw1cQ: ^semy of ilS dcci:.il1n un Yl,ur npp,llc;\tion. NO"'F.: IF VOU ARE ClfRRF.NTL V PKO'U;(:,l'llD DY lliF. FlUNG OF A PE'ITIlON IN BANA~UPTCV, nm FOLLOWING PANT Of' THlS NOTICE IS FOR TNFORMATION J'UIU'OSIlS ONl.Y AN[) SHOULD NOT DE CONs'muw AS AN ATTEMPT TO COU.F.CTTHE D.EH'l', (JfYOII hW m\'d blll\krUptty you elln ...tillIlPPb' fOr r."'*''aenc:y MOMGagc Allliilwnce.) HOW TO emu: YOUR MORTGAGE DE.'AULT [Brine i. u. tu d.'e). NATURE 01<' '!'M ~ ORF "m.T - The MORTGAGE debt h~ld hy the above lClld~r on your pr~lperty lr.x.lltcd 1\1: - 7 Wnlnul Street, Newville, jJ A 1 n41 15 SERIOUSLY IN L)Ef. AUf.. T hecause: YOU !-lAVE NOT MADE MONTHLY MORTGAGE PAYMENTS [or Ih. followinB months and th.e following Qmoul1t~ arc now past due: Mon1hly paymcnts from IO/Ol/00toOl/01/01 toto.ling: Laic ~'hllrg(':s: Other fees andfor c~ts (including NSl' charge:; und prC)I~(ty iI\S~Clion5): L5SS~ tInappJicd Ftlnd~: 'fOTi\!. $ 2.704.27 $ 89,10 $ 15.50 $ n.11 I 2.736.09 1 row 1'0 CURE mE o,,~Il'ATJT.T - You may cur~ the tlC'fuult within THTRTY (30) DAYS of the clHIC uf tni~ Noli"" IIY I'A VING THE l'OTAL AM01JNT DUE '1'0 THE LENDER. wrncH IS $ 2.736.69. PLUS i>J'I"l MORTGAGE PAYMENTS AND LATE Cl~lARGF.S WHICH BECOME DUB DU1\lNO TNF. THIRTY (30) DAY PE1UOD. ~.~1S.mlll(L lw ma.dc either by C:iI~h clll'lhi"r'~ check cmiticd chcck_Q.r mon<:v tlt'lkr ronde nllVilhlc and lis:nLlll: HomeComingA Hnand.1 Network, 1'.0. Box 784%6 Phoenix, AZ 8506%-84Z6 OR OVERNIGHT '1'0: %445 W. /lonl.\> Aven..., Soit. 100 Phoenix, AZ 85021-%803. JF YOnno NOT CURe'l'lIEDTi'.FA1J1.T -Jfyou do noL curt" thedGfaul1 within THlRTY (30) DAYS Clfrhe d.'l.U: 01 this 'Notice, thl\' lend",)' i.'tenw to ClXt-rellll.' itli rieht to '3ccl!lel'atc dll! lrIorleIU!C' deb1 Thi$ means thl'l,t the entire oU~ll!.nding bnlnnec of 1his debt will be con~idcrcd du~ immediately cUw you may l,,~c the chance to pay the mort~ge - RECEIVED TIMEIvIAY. 25. 3:42PM PRINT TIMEMAY. 26. 4:48PM ~. <I ~ ~ "' j ',' ~,. "'-~"",~,, - in mun\h1y iostal1mcJlt!l. ]f full paymc:n\ of\hc lOlaI amOUrll past due is not made wIthin THIRTY (30) DAYS, the lender a1lm intends to inlitr\lct its at1('lJl1CY to stan lcgalllction 10 Coroclose upon your monsas<<i propeny. IF THIl MORTGAGE IS FO~RCr.OSrn IJPON -1'luo morLll"g'u prup.ny will bo 'old by th, Sheriff.o payoff the mortgl1~ ~lebt. If the l'llmdcr rctcrs your C4" to il$ uttumey, but you ~1.1rc the delInquency beCure the lcnd~ b~ins legal proccedinss SS2U1S1 Y01.1, yuu will ,')TilI be l'cqujred to pay the re.asornlble uuorney'g fl3C,~ th:)t WC1'e :\ctu3l1y incurred, up 10 $50.00. I.low.wcr, it" least proceedings urc $Twwd ogninst you, you will have to pay ull m15unllbll:' ijllorMcy'.!r. fees actua!!y mculTed by the lender, even ifthcy exe&:ed $50.00 Any illtomeY'!l foos will be 3dded to the wnounl you OWl! tho lender. which may ullso incluuc: \)ther r~~on3hlc. cost.!!. If YOU Cllrr 'he defllult within the THrR'l'Y IJU)})A V nerlnd.. "nu wUl not be rctluh"t>d ,,, mlv I'Innrl"lev'!, ,"'-. OTHER LENDER 'RF.MrnTJt~ - The lender may also sue you pt'l'lSun(llly f(lt tho unp."\id principal balance and all Olhel' i'iunUl due: tmder the mongngc. RIGHT TO (:tJRF. THE DEFAULT PRIOR TO SnF.RTFF'S SALE - If you have nl\1 cllre<.lllw d~rll.o.ll wIthin lhe THIRTY (30) DAY pcti.:ld 3hd foreclosure pro~lngs: hav~ ~U(I, VOU !Ifill 113ve tbr Ti~T [0 l:UT"1!! tho! defnult ~nd nrcvcm the :iale Ht nlly' l1ml' un Tn On.:!: hoW" beforc tI}..c_ SHhcriCrli.S.u.le Y nil ,nmt dtl It('! hv navinl! U!.~JQlal. amuun\ then nm~t duc DIllS aJ1V lat~.o[ Clther' I'hllnlfl~ Ihen 'duo. rC~.:lnable alf9ma-; fl!!"'; Ill1d ce'mt!l cotlMcood With Ihe fP1!:.c.IOlSU(t: :sulrl 1m,) ~1'r' other CO!lt~ conn('~~~' wilhJ~ Sh.,tit"f5l. 3:\113 1\.'1 !lr.ecificd in_'Yl:i.ting.b):. the lfmdilC' nnd bv D8l'fonUIl\Q any other recluq,(:fTIl'31T:; undar r.he mC[1lZ:'t2C. Curiq YO\tr deC.un in the mAnner !let tOl1h In thill Notice will rl:8tO" your mortgage to the !ismo position ~a if you had nevor delfaultcd. EARLIEST PO~STRr.F: SHI:liU')"S SALE DAll": - It I~ cr<tlmalcd that the eurliclil Ulll.< that s\lch a Sheriff', Sale of the mort~tl properLy could he held would be Ilppruxim.ltly "i~ (6) mnnth!l; from the date or IhiJ NoUn'. A nuuc~ "ftho:: aclual date ofthc SheriCr:i Snll! will bc !l..::t\t to you beC.:lre the ;)IIlc. Of~{'Iu.r!l\lJ the t1lnowlt needed to C~lrC 1he clr.fnull will incteallc Ihe Jonser you wuit. '{(JU mny f,l'Id OUl31 '3l'l.y time cX'ac:Uy whu~ lht' T<<ju;tcd l":lymcnt or :\euon will be by t;onwcti~ thllllendct. "'Ow TO CONI ACT THl! LI!.NDF.R: - HomeComings FiruVltiGl Network 2711 N. Haskell. ~uil.t' 900 DLliios, IX 7520' Atln: LuUD COUJ1$elins Dcp3rtmcnt Phone: 1-800-206-2901 EFFECT OF THE SHERU'PS SALE - You M10uld realize that a Sheriffs Sale: will end your ownership of Ihe monS3Scd properLy and your right to occupy it. If YOIl cunlinuo: to ljve in the properly ulkr 1.he Shttirrs $:\1..::, a lDw:mir to ~tnoVe you and your ftlIniJtings QJ1d other \'le1onSingp could be litilltl'd by the lender st any time. ASSUMPTION OF MOlol:l'CAGE _ You m:'.lY be able 10 8e!! or Inll'L~fet your home 10 8; buyer or Transferee whl> will 8=l!lun1e Ihtl m01l8l\gll debt. provided that ull the ollt-'~t.'lndins paymenls. chargcli 8l1d ultomGY'!'; fcc~ and costs are paid prior to or a' the: lmlo W'ld that the oilier rcquiremt'nt.li llfThCl monsose sre ~atblic:d. YOl'MAV AT.SOHAVIlTHERlGHT: TO $liLI.l1TC \'1l0PERTI TO OBTAIN MONEY TO PAY OFF THE MOKfGACn Dmn OR TO BORROW MONEY FROM ANOTHER LliNDINO INSTITUTION 1'0 PAY on THIS DEllT TO HAVE TIDS l)lif'A1Jt1'CURED BY ANY THllWPARTY I\CTING ON YOUR BEHALF, - RECEIVED TIMEMA~ 2~ 3:42PM PRINT TIMEMA~ 2~ 4:48PM ..l ,~ ;1. >--"; - TO HAVE IHli MORTGAGE RESTORF.D TO THE SAME POSITION AS IF NO DEl'AULI HAD OCCURRED.ll: YOll CURli THE DEF AU!. T (HOWEVF.R, YOll DO NOT HA VB TillS RIOHT TO CllRB YOUR DBFAULT MORE IHAN n'lRliE TIMES IN ANY CAT.6NllAR YEAR) Iti ASSERT THE Nat'ffiXTSTBNCE OF A DIiFAULI IN ANY FORECLOSURE PROCEEDING OR ANY OTHER I.A WSlRT INSTITUTED UNDER THE MORIUAOIi DOCUMENiS TO i\SSF.RT ANY OTflERDB.I'~'Ns); YOU BELlEW YOUMi\Y HAVE TO S11CH ACTION BY THE UlNDr;R TO SEliK PROTECTION tINDER TIffi FEDRRAL BANKRUPTCY LAW, Sinc~NlJf, J..,)Bfl C:('Jun~.:l ins Dcparunenl Eneh)$Ufc((\) Ll$l of Coun.~linB ^SCncics - - RECEIVED TIMEMAY. 25. ^ ,,1 ^ pI' j. Lj. L JVl ."J ";""'A",'",";;C, ~'~ "~~ """'---'~:. PRINT TIMEMAY. 26. 4:47PM - '..,~L '.;';;';;; ~:-' . ,- ~ ~ ~!li~k_ 08-28-0009:11AM FROM CAP STEAD MASTER SVCG TO 918586949102 2870 cees otW-= PA 2~A Co~lP.a.rk PIua J~ 11.,.151104 (814) 539-6lI3$ - Lpmiag-CliAmG C......cillll l"......~...jpa Far CammWlity AttioD (STEP) ~ Uao;olaS...... '. P. O. .. 1828 ~PAITl03 (8'1013,1lB'll58'7 PAX (510) 322-2197 CCCS otNonlinstenl PA __<>> 201 :!!8SiD .!IbM. ' :;&\"llfeilA 17'103 FAX (570) 32S-QG26 P007/017 STATEMENTS OF POLICY CLINTON COUNTY CCC:S ofNordle_ PA 16315 Al&enon 5\ Sui... 100 Sea", eon.... PAl8801 (814) 2384668 FAX Ce14) 238-3669 COl.VMBlACOTJNl".Y' CCCS afNonh_...1'Il PeIulsvlvaDta 1400 AblqTml Executive Pa:k SuRe 1 CIarlci Summia: P-" llKU (570) 5$7.91&3 or (800) 922-953'1' FAX(5'10l 6B'I'09~135 31 Y. Wal'IsH Sa- PO.a 1127 ~~. PAUl1l:!. (570) 8111_'1 or (800)922-9537 FAX (&70) 821.1785 ~0Il GIl EcoDOmi.. Opponamity 0(L-.. County 183 Amber Lane ' ~$azre. PA 18702 CPO) ~la or (8ool;,8Sla-08158 FAX CS101 829-166&,-eAU. BEFORE FAXING \'S70~ .wJ~:594.tUZE1:=,O~ PAX (B'l'O)455-S6:n(:ItI' !lUOII.E FAXING (5'70) 836.4090 'l'UNKiHANNOCK - lloDIret' 't WIIIlbiqtDa c..._ 1120 BoIlalldStret ' Erie. PA',1SS118 (814)4S304744o FAX (alA) ~49 J.lm P_ lr_ftHy CM'-, ho... lion Ease ~Oth Stnet . Erie. !'A 18510 (814) 89800400 FAX (814) 8$1101213 CCCS otW.......... hDDsy1vuA, lIac. 2000 r.;...,~ Boad Harrisbur2 PA 17102 ('11'1') 541-1'1'57 l1rba11lAague of Me1:nlpalit.aD Harrisburg N. 61b S_ &rri8buq. PA 1'7101 (71'1) 2lU-IlS25 FAX (711) 234-9459 Camm1mity Ad:io.a eo- af~ Capital ResiGll l!14 Deft'}' Street l!arril5builr_ PA 17104 ('11'1') 23Z-!J'i'S7 FAX (11'1) 234-2227 CRAWFORD COUNTY Gtear.er Erie COIIIIIlu.aity Ac:i0ll C4mIIlicfee 18 W. _ S\ne1: Ezj8. P,4l,SIl01 (814,) 459041181 FAX (SU) 486-0161 ~, v.n..,. U...... L<oqwo. hoe 801 1"'~H.fta AVtmlle remoll,PA 18Ul (412) 981;Q310 CDMJIERl.A1'QJ COUNTY r;ft.~~~1; Canft~r Services afFnaldizl 31 wcnr3ltl StnIet Wa!ll~. P.'\.1'1268 (1i7,:'762i32lL5 YWCA ofCariisle 301 G S~t Carii:slc, PA 1'1013 en 7l24S,31l1B FAX (717l 731-9589 Adams C_ty~ AJ&tbority 139-143'Cumlo Se GettysblirE. PA 17325 (717'l334-lSlB FAX (717) 334-8ll26 - PeHNS'n.VANI'l IKILLlmfl, VOL. lIll. "A. %I, JUNE 5, 19911 , J' . i7D]VI 't,'t,J. I ?RINT TIMEMAY. 26. RECEiVED TIMEMAY, 25, 3:42?M I"""''''''''=' ~""~"~- "'~ ~. =,~". j, L, -." ;,; "oiQw{" VERIFICATION I, LEON P. HALLER, ESQUIRE, Attorney for Homecomings Financial Network, Inc. verify that the statements made in the foregoing Complaint are true and correct based on information furnished by Homecomings Financial Network, Inc., servicing agent for BANK ONE NATIONAL ASSOCIATION, TRUSTEE. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. Leon P. Haller, Esquire Date: June 14,2001 " . d'_' -.1 "'- ~,"j~,~ --.'" '." D~_", .... BANKONE, NATIONAL ASSOCIATION, TRUSTEE, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PLAINTIFF VS. BOBBY KENDALL, CIVIL ACTION - LAW NO. 2001 3694 IN MORTGAGE FORECLOSURE DEFENDANT P RAE C I P E TO THE PROTHONOTARY OF THE WITHIN COUNTY: Please enter JUDGMENT "in rem" in favor of the Plaintiff and against Defendant BOBBY KENDALL, for failure to plead to the above action within twenty (20) days from date of service of the Complaint, and assess Plaintiff's damages as follows: Unpaid principal balance Interest (Per diem of $18.92 from 9/1/00 to 6/1/01) Late charges ($29.70 per month to 6/01) Escrow Credit 5% Attorney's Commission $62,630,75 $ 5,165.16 $ 297.00 $ 54.10 $ 3,131.54 TOTAL $71,170.35** ** Together with additional interest at the per diem rate indicated above from the date herein, based on the contract rate, and other charges and costs to the date of Sheriff's Sale. By PURCELL, Leon P. Halle PA I.D. #15700 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 K:\MKF\DOCS\CUMBERLAIKENDALLP :.~j ~~ j ~ ;-'1 1.1 ,;.i"V'" ,:.~." d:. -""'" f>>jim':i\ BANKONE, NATIONAL ASSOCIATION, TRUSTEE, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PLAINTIFF VS. BOBBY KENDALL, CIVIL ACTION - LAW NO. 2001 3694 IN MORTGAGE FORECLOSURE DEFENDANT CERTIFICATE OF SERVICE PURSUANT TO PA. R.C.P. 237.1 I hereby certify that on AUGUST 20, 2001 I served the Ten Day Notice required by Pa. R.C.P. 237.1 on the Defendant(s) in this matter by regular first class mail, postage prepaid, as indicated on the attached Notice. ~~ Leon P. Haller I.D. #15700 Attorney for Plaintiff Purcell, Krug & Haller 1719 North Front St. Harrisburg, PA 17102 "~, 112~_ I~_ ,_ ,I '^ ,'0 ^ - _'_"1 ;. -,' --.,,-',;';. .;.;..> .', ,~~ d.',' . # )I., p. BANKONE, NATIONAL ASSOCIATION, TRUSTEE : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff VS. : NO. 01-3694 CIVIL BOBBY KENDALL Defendant : CIVIL ACTION LAW : IN MORTGAGE FORECLOSURE DATE OF TillS NOTICE: August 20, 2001 TO: BOBBY KENDALL 776 BALTIMORE PIKE GARDNERS, P A 17324-9010 TillS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. 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 (10) DAYS FROM THE DATE OF TillS 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 HA VB 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, P A 17013 717-249.3166 OR 800-990-9108 :~CELL' KR~ER LEON P. HALLER, Attorney for Plaintiff J.D. # 15700 1719 N. Front St., Harrisburg, PA 17102 (717) 234-4178 ") "i',k:_'-';"'~'C'"!!j"'",f~lft-."~",,-l,,,,i;l((,f,K~~liM'1 '~liiI~ il~~~ 1tlli~ -ri,,"l_ '^ ,~,~, l ,~ ~ ~ ~ 60.- n C,) (,) fM; 1t ..0 <, -('1 -0 ril (1') . r"1 g D.1n''l ~'-. 7" "1 ~ '-0 ,~ , ~ ZC~~. ,::8(~ r- "- WE' r'",:. -<"' ........ IJ'-' f! C~'C: f:<;C:J ~ Iv ~C -" ;52~ :::it j J::: "\:J ~,C5 ";;;"c S-:' ("jCn '" '7 :;::l !!! CY ~ ~ j:"',,- $ ~ (:r> -< ~ ~Ll",,,,"_~,, ,_,_, ..,~. _, m~",=.~'_ ~..' '.'e"_ '^~.'" 'j..,i'~'''~d'',~_,,,,,,,,,,_,,,,=,,~_~ .. '"~,,,.q~ .,'~. "~ "."-- ~" ~ ~ . .,-,,0 _ " -".,,'. ,.,'. ~-1 01,' II- BANKONE, NATIONAL ASSOCIATION, TRUSTEE, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PLAINTIFF VS. BOBBY KENDALL, DEFENDANT CIVIL ACTION - LAW NO. 2001 3694 IN MORTGAGE FORECLOSURE NOTICE OF ENTRY OF JUDGMENT TO THE ABOVE-NAMED DEFENDANTS: You following captioned are hereby notified that judgment has been entered matter: on ~ I~ d.OQI the against youib the above- $71,170.35 and for the sale and foreclosure of your property located at: 7 Walnut Street, Newville, PA 17241 Dated: q/rJ./()1 (l~~ ) 12~ PROTHONOTARY ~ Attorney for Plaintiff: Leon P. Haller 1719 North Front Street Harrisburg, PA 17102 Phone: (717) 234-4178 I hereby certify that the following person(s) and th~ir respective addresses are the proper individuals to receive this Notice pursuant to PA R.C.P. No. 236: Bobby Kendall a/k/a Bobbie Kendall 7 Walnut Street Newville, PA 17241 Bobby Kendall a/k/a Bobbie Kendall 776 Baltimore Pike Gardners, PA 17324-9010 K:\MKF\DOGS\GUMBERLA\KENDAlLN m . ~,~ .. ., ~ "'~ "'. ..I" ',,,= ..,'".-:,:";,;,,,I,L '.~ f"i'iiIi1_;i1". J.. I BANKONE, NATIONAL ASSOCIATION, TRUSTEE, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PLAINTIFF VS. BOBBY KENDALL, DEFENDANT CIVIL ACTION - LAW NO. 2001 3694 IN MORTGAGE FORECLOSURE P RAE C I P E TO THE PROTHONOTARY OF THE.WITHIN COUNTY: Please enter 'JUDGMENT "in rem" in favor of the Plaintiff and against Defendant BOBBY KENDALL, for failure to plead to the above action within twenty (20) days from date of service of the Complaint, and assess Plaintiff's damages as follows: Unpaid principal balance Interest (Per diem of $18.92 from 9/1/00 to 6/1/01) Late charges ($29.70 per month to 6/01) Escrow Credit 5% Attorney's Commission $62,630,75 $ 5,165.16 $ 297,00 $ 54.10 $ 3,131. 54 TOTAL $71,170.35** ** Together with additional interest at the per diem rate indicated above from the date herein, based on the contract rate, and other charges and costs to the date of Sheriff's Sale. .",.,.,:.~,' PURCELL, KRUG & HAL~~~ ~/c::.// -----'" ?~.> // By--- / Leon P. Haller PA I.D. #15700 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 K:\MKF\DOCS\CUMBERLA\KENDALLP if '"- .". '!lid'-, , IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION - LAW AT NO. 2001 3694 BANKONE, NATIONAL ASSOCIATION, TRUSTEE, PLAINTIFF TOTAL AMOUNT OF JUDGMENT $71,170.35 Interest at $18.92 per diem to sale date $ 3,538.04 Late charges at $29.70 per month to sale date $ 148.50 Escrow Deficit $ 2,000.00 TOTAL $76,856.89* VS. BOBBY KENDALL, DEFENDANT(S) *SALE DATE: WEDS. ,DEC. 5, 2001 (PROTHONOTARY'S USE) Plaintiff Attorney Sheriff This Writ PRAECIPE FOR WRIT OF EXECUTION MORTGAGE FORECLOSURE - P.R.C.P. 3180-3183 TO THE PROTHONOTARY/CLERK OF SAID COURT: Issue Writ of Execution in the above captioned case. ~ PA I.D. #15700 Date: September 10, 2001 Attorney for Plaintiff 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 WRIT OF EXECUTION - MORTGAGE FORECLOSURE COMMONWEALTH OF PENNSYLVANIA SS COUNTY OF CUMBERLAND TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the judgment, interest and costs in the above captioned case, you are directed to levy upon and sell the property described in the attached description known as 7 WALNUT STREET, NEWVILLE, PA 17241. Date: PROTHONOTARY/CLERK CIVIL DIVISION BY DEPUTY K:\MKF\DOCS\CUMBERLA\KENDALLW ,- .'^, - ,., ,~ J:J. ~!i!lill. -""*,', ,/' ALL THAT CERTAIN parcel of'land situate in the Borough of NeWville, Cumberland County, Pennsylvania, bounded and described as follows: TRACT NO.1 BEGINNING at a post in the line of land now or formerly of Harry J. Shenk; thence by said lot South 8 degrees east 86 feet 10 inches to the line of Walnut Street; thence on the line of Walnut Street, South 71 3/4 degrees west 50 feet to the corner of Walnut Street and Buchanan Streets; thence by the line of Buchanan Street, North 8 degrees west 109 feet 4 inches to a post at a corner of lands now or formerly of Harry J. Shenk; thence by said lot North 82 degrees east 44 feet to a point the Place of BEGINNING. TRACT NO.2 BEGINNING at a point on the line of Buchanan Street at the northwestern corner of~ Tract No. 1 herein; thence by the line of Buchanan Street, North 8 degrees west 8 feet; thence by the line of property of Kalbach Estate, North 82 degrees east 44 feet to a corner; thence by the same South 8 degrees east 8 feet to the line of Tract No.1; thence by the line of Tract No. 1 South 82 degrees west 44 feet to the place of BEGINNING. Containing 352 square feet. HAVING THEREON ERECTED A two story frame dwelling house known as 7 Walnut Street, Newville, PA. BEING THE SAME PREMISES WHICH Harold J. Barrick and Grace A. Barrick his wife by deed dated 9/15/72 and recorded 9/19/72 In Deed Bo;k U-24 pa~e 1072 granted and conveyed unto Bobbie Kendall and Louise Kendall, his wife. The said Louise Kendall is deceased and title vests in Bobbie Kendall by operation of law. TO BE SOLD AS THE PROPERTY OF BOBBY KENDALL (A/K/A BOBBIE KENDALL) ON JUDGMENT NO. 2001 3694 ASSESSMENT: 28-21-0361-101 K;\MKF\DQCS\CUMBERLA\KENDAlLDES ~1~~U~~~~~li!i\!It~j;:~'~6*5"g-",!~,',";',d1-"'!!J\!lp.J&f!i:J8<<01,< I) ~~ ..... ~ t~-.. ~~ ~~ -0 . '0 " d :'-- ~ 828 -.. ~ & f'- ~ 0 I I I tJc:) ::- ~r F ~ ~ , ~ , ~ , , :~ ;l? , " '" , '" " "- '- f'- , ~ ~ \j) \' ~ [l,.~_.,,~, '"" ~ "'O,~,_~~~",~, _~~__ ;~",," ""_ ~~,",,~,~,'" ~".'7""",'J;;''''''M,, __< ",,",__~, ,"_ p"~~~c,_<,, ,,",,0, ,,_, ,'~, ~~, .. ~~Br 'i*f~-"'" (") C ?~ -O.~ ~ri] U~I ~~; -<:-2: ~c;; '" -- Zl) 1>0 C z :< - ~ " c:;:) V) rl1 V -..I 1'-\ ,,: ,-. ::J;! --. "r' >;:+~~J ,:;:)~t~ ,~ ._, 'j,. :n -< ~ Ul en I ~ H"" "-' "","_ . F.' ','. -., .',- "--1;' :\''''h'-- , , BANKONE, NATIONAL ASSOCIATION, TRUSTEE, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PLAINTIFF VS. BOBBY KENDALL, DEFENDANT CIVIL ACTION - LAW NO. 2001 3694 IN MORTGAGE FORECLOSURE AFFIDAVIT PURSUANT TO P.R.C.P. 3129.1 The Plaintiff in the above action, by its attorneys, Purcell, Krug & Haller, sets forth as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 7 WALNUT STREET, NEWVILLE, PA 17241: 1. Name and address of the Owner(s) or Reputed Owner(s): Bobby Kendall a/k/a Bobbie Kendall 776 Baltimore Pike Gardners, PA 17324-9010 Bobby Kendall a/Kia Bobbie Kendall 7 Walnut Street Newville, PA 17241 2. Name and address of Defendant (s) in the Judgment, if different from that listed in (1) above: SAME 3. Name and address of every judgment creditor whose judgment appears of record on the real property to be sold: 4. Name and address of last recorded holder of every mortgage of record: PLAINTIFF HEREIN (AND ANY OTHERS AS NOTED BELOW) : 5. Name and address of every other person who has any record lien on the property: UNKNOWN 6. interest sale: Name and address of every other person who has any record in the property and whose interest may be affected by the UNKNOWN . " . 7. Name and address of Plaintiff has knowledge who has may be affected by the sale: TENANTS IF ANY... Domestic Relations Office Cumberland County Courthouse Hanover & High Streets Carlisle, PA 17013 .' ~ . - c, i'W~~iS'-, ,,',,' every other person of whom the any interest in the property which (In the preceding information, where addresses could not be reasonably ascertained, the same is indicated.) I verify that the statements made in this Affidavit are true and correct to the best of my personal knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 PA C.S. Section 4904 relating unsworn falsification to authorities. DATE: September 10, 2001 Leon P. Haller PA I.D. #15700 Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 Efi~~~*"H!O!.\lii;'kI,Mil~,,;.~'iiit",'i'~iliii&m~~,-i-1";\\.RIE-ful:;;::"H.",,~i'~'.-j'"'~"lli,0,5'h <\i,M:C3'''''','<i~'2i_~~'~ '1iJ ~"'" '~~iimb~lialii.!jf'~"~;!Ji%t>>-.Mt n ~; <~ -r,it'tj (TIfT" ~2: ::,\:,; ~~;! :zd....C; :>0 C ~, ::3 ~, _~''''''_''',,,,,,. ~,~~, "_".. =,~,.". ~=~__ ~"., ~'" ,~",_",?,,<,,-- ,0 -" ,~~, ,',',,~ '-"".c" ",,'_, ~ ^ ~ .0 "_ _,~ - " c' U') ,4'1 "'0 N ':,:::j~; ,(:3::P "~'J' ( ) f.r:rn U s;! ~ ::<'. .~ ~? (f1 ()"\ -:1 1 I ,I . ~f1 ;'1"1 ~:j . - , " ~,-- ',I", '~ ,,- '" "~ ~'" '- < 't(lli.~>; f BANKONE, NATIONAL ASSOCIATION, TRUSTEE, PLAINTIFF IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA VS. BOBBY KENDALL, DEFENDANT CIVIL ACTION - LAW NO. 2001 3694 IN MORTGAGE FORECLOSURE NOTICE OF SHERIFF'S SALE OF REAL ESTATE PURSUANT TO PENNSYLVANIA RULE OF CIVIL PROCEDURE 3129 TAKE NOTICE: That the Sheriff's Sale of Real Property (real estate) will be held: DATE: WEDNESDAY, DECEMBER 5, 2001 TIME: 10:00 O'clock A.M. LOCATION: Commissioner's Hearing Room 2nd Floor Cumberland County Courthouse Carlisle, Pennsylvania 17013 THE PROPERTY TO BE SOLD is delineated in detail in a legal description mainly consisting of a statement of the measured boundaries of the property, together with a brief mention of the buildings and any other major improvements erected on the land. (SEE DESCRIPTION ATTACHED) THE LOCATION of your property to be sold is: 7 WALNUT STREET NEWVILLE CUMBERLAND COUNTY PENNSYLVANIA THE JUDGMENT under or pursuant to which your property is being sold is docketed in the within Commonwealth and County to: NO. 2001 3694 THE NAME (S) OF THE OWNER (S) OR REPUTED OWNERS of this property is: BOBBY KENDALL A/KIA BOBBIE KENDALL A SCHEDULE OF DISTRIBUTION, being a list of the persons and/or -~. ~ .'~ ..~ .,. , ' " ,1 , - ,:.',-,,;' ." ='.'-' iJ:i:'" f governmental or corporate entities or agencies being entitled to recei ve part of the proceeds of the sale received and to be disbursed by the Sheriff (for example, to banks that hold mortgages and municipalities that are owed taxes) will be filed by the Sheriff of this County thirty (30) days after the sale and distribution of the proceeds of sale in accordance with this schedule will, in fact, be made unless someone objects by filing exceptions to it within ten (10) days of the date it is filed. Information about the Schedule of Distribution may be obtained from the Sheriff of the Court of Common Pleas of the within County at the Courthouse address ~pecified herein. THIS PAPER IS A NOTICE OF THE TIME AND PLACE 'OF THE SALE OF YOUR PROPERTY. IT HAS BEEN ISSUED BECAUSE THERE IS A JUDGMENT AGAINST YOU. IT MAY CAUSE YOUR PROPERTY TO BE HELD, TO BE SOLD OR TAKEN TO PAY THE JUDGMENT. You may have legal rights to prevent your property from being taken away. A lawyer can advise you more specifically of these rights. I f you wish to exercise your rights, YOU MUST ACT PROMPTLY. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET FREE LEGAL ADVICE: Cumberland County Bar Association 2 Liberty Avenue Carlisle, Pennsylvania 17013 717-249-3166 Legal Services, Inc. 8 Irvine Row Carlisle, PA 17013 717-243-9400 THE LEGAL RIGHTS YOU MAY HAVE ARE: 1. You may file a petition with the Court of Common Pleas of the within County to open the judgment if you have a meritorious defense against the person or company that has entered judgment against you, You may also file an petition with the same Court if you are aware of a legal defect in the obligation or the procedure used against you. 2. After the Sheriff's Sale you may file a petition with the Court of Common pleas of the within County to set aside the sale for a grossly inadequate price or for other proper cause. This petition MUST BE FILED BEFORE THE SHERIFF'S DEED IS DELIVERED. ""'"' ,- ,< ~ ~ _ _,~ 1 , ~--- - - ~~ I 3. A petition or petitions raising the legal issues or rights mentioned in the preceding paragraphs must be presented to the Court of Common pleas of the within County. The petition must be served on the attorney for the creditor or on the creditor before presentation to the court and a proposed order or rule must be attached to the petition. If a specific return date is desired, such date must be obtained from the Court Administrator's Office - Civil Division, of the within County Courthouse, before a presentation of the petition to the Court" A copy of the Writ of "Execution is attached hereto. PURCELL, KRUG & HALLER Attorneys for Plaintiff 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 -3'; ,'- -.- , ~ , L ,-; ~ "- I_,.~,: c. ' , ;,: '" _d .'.,,~ .,.' ,~", illit'~im ;y. , ALL THAT CERTAIN parcel of land situate in the Borough of NeWville, Cumberland County, Pennsylvania, bounded and described as follows: TRl\CT NO.1 BEGINNING at a post in the line of land now or formerly of Harry J. Shenk; thence by said lot South 8 degrees east 86 feet 10 inches to the line of Walnut Street; thence on the line of Walnut Street, South 71 3/4 degrees west 50 feet to the corner of Walnut Street and Buchanan Streets; thence by the line of Buchanan Street, North 8 degrees west 109 feet 4 inches to a post at a corner of lands now or formerly of Harry J. Shenk; thence by said lot North 82 degrees east 44 feet to a point the Place of BEGINNING. TRACT NO.2 BEGINNING at a point on the line of Buchanan Street at the northwestern corner of' Tract No. 1 herein; thence by the line of Buchanan Street, North 8 degrees west 8 feet; thence by the line of property of Kalbach Estate, North 82 degrees east 44 feet to a corner; thence by the same South 8 degrees east 8 feet to the line of Tract No.1; thence by the line of Tract No. 1 South 82 degrees west 44 feet to the place of BEGINNING. Containing 352 square feet. HAVING THEREON ERECTED A two story frame dwelling house known as 7 Walnut Street, Newville, PA. BEING THE SAME PREMISES WHICH Harold J. Barrick and Grace A. Barrick, his wife, by deed dated 9/15/72 and recorded 9/19/72 In Deed Book U-24 Page 1072 granted and convexed unto Bobble Kendall and Louise Kendall, his wife. The said Loulse Kendall lS deceased and title vests in Bobbie Kendall by operation of law. TO BE SOLD AS THE PROPERTY OF BOBBY KENDALL (A/K/A BOBBIE KENDALL) ON JUDGMENT NO. 2001 3694 ASSESSMENT: 28-21-0361-101 K:IMKF\DOCSIGUMBERLA\KENDALL.DES 1l1~$!ffi};jJ'w~~~.Mil'~~____~~!lf~iijl'ia;-gi~(;;[,,1\Wi'~;":';','-"';f'b:,C-t,'2,~;-J:~!",~",~~j!;jl!;t,,- ~uQ"'''';j;:;!,:J''"!;'f.c',:m~w",,,,",,'-1'~, ",.""" "",,. ,7'B~'~"''''~;';~'-<;''''~~''~'''><'''':''"J,,~7,,''', !'" ~ ~ '=" ''''-',,''. ^' "f ='- ......l a1i-'~'i'mUlJtt!i , ,'? -'~, ,"' ' .~ ',.' ~'iilIllIill -,', "y "~, -~ ~ , C:~ C) " j c._ -j"J "". v') -ot:rJ ,Cf1 fllrn -~O z:'n "'~1 ::?~ C' ~; :<J ~:.Q~: f'.' >~(~) ~r==,t -n /,;~:B .~ ZCJ .... ~~"" ~o t..;) :'.i~:r11 )..?c: ~ ~ .. ~ ':.11 ~ (1, . I ., /,1 "", ! ]IF , . . BANKONE, NATIONAL ASSOCIATION, TRUSTEE, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PLAINTIFF VS. BOBBY KENDALL, DEFENDANT CIVIL ACTION - LAW NO. 2001 3694 IN MORTGAGE FORECLOSURE RETURN OF SERVICE I hereby certify that I ~~ve deposited in the U.S. Mails at Harrisburg, Pennsylvania on /()-;J-iJ / , a true and correct copy of the Notice of Sale of Real Estate pursuant to PA R.C.P. 3129.1 to the Defendants herein and all lienholders of record by regular first class mail (Certificate of Mailing form in compliance with U.S. Postal Form 3817 is attached hereto as evidence), and also to the Defendants by Certified Mail. Service addresses are as follows: Bobby Kendall a/k/a Bobbie Kendall 776 Baltimore Pike Gardners, PA 17324-9010 Bobby Kendall a/k/a Bobbie Kendall 7 Walnut Street Newville, PA 17241 Domestic Relations Office Cumberland County Courthouse Hanover & High Streets Carlisle, PA 17013 ~URCELL, KRUG~R Attorneys for Plaintiff 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 .L' ,~ ',-,?'"-"" ;ol.."'.ic i: .. .;' JOHN W. PURCELL HOWARD B. KRUG LEON P. HALLER JOHN W. PURCELL JR BRIAN J. TYLER JILL M. WINEKA LAW OFFICES PURCELL, KRUG AND HALLER 1719 NORTH FRONT STREET HARRISBURG, PENNSYLVANIA 17102-2392 TELEPHONE (717) 234-4178 FORECLOSURE DEPT. FAX (717) 234-1206 JOSEPH NISSLEY (1910-1982) ANTHONY DiSANTO OF COUNSEL HERSHEY 1099 GOVERNOR ROAD (717) 533-3836 NOTICE TO: Bobby Kendall a/k/a Bobbie Kendall 776 Baltimore Pike Gardners, PA 17324-9010 Bobby Kendall a/k/a Bobbie Kendall 7 Walnut Street Newville, PA 17241 Domestic Relations Office Cumberland County Courthouse Hanover & High Streets Carlisle, PA 17013 NOTICE IS HEREBY GIVEN to the Defendants in the within action and those parties who hold one or more mortgages, judgments or tax liens against the real estate which is the subject of the Notice of Sale pursuant to Pennsylvania Rule of Civil Procedure 3129.1 attached hereto. YOU ARE HEREBY NOTIFIED that by virtue of a Writ of Execution issued out of the Court of Common Pleas of the within county on the judgment of the Plaintiff named herein the said real estate will be exposed to public sale as set forth on the attached Notice of Sale. Leon P. Haller Attorney for PI against the said yo have an lng notified of YOU ARE FURTHER NOTIFIED that the lien you hold real estate will be divested by the sale and that opportunity to protect your interest, if any, b said Sheriff's Sale. By: - -" "" ',1.-' -.' '-.-d' ~('W!l---""'- ~' . \ > BANKONE, NATIONAL ASSOCIATION, TRUSTEE, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PLAINTIFF VS. BOBBY KENDALL, DEFENDANT CIVIL ACTION - LAW NO. 2001 3694 IN MORTGAGE FORECLOSURE NOTICE OF SHERIFF'S SALE OF REAL ESTATE PURSUANT TO PENNSYLVANIA RULE OF CIVIL PROCEDURE 3129 TAKE NOTICE: That the Sheriff's Sale of Real Property (real estate) will be held: DATE: WEDNESDAY, DECEMBER 5, 2001 TIME: 10:00 O'clock A.M. LOCATION: Commissioner'S Hearing Room 2nd Floor Cumberland County Courthouse Carlisle, Pennsylvania 17013 THE PROPERTY TO BE SOLD is delineated in detail in a legal description mainly consisting of a statement of the measured boundaries of the property, together with a brief mention of the buildings and any other major improvements erected on the land. (SEE DESCRIPTION ATTACHED) THE LOCATION of your property to be sold is: 7 WALNUT STREET NEWVILLE CUMBERLAND COUNTY PENNSYLVANIA THE JUDGMENT under or pursuant to which your property is being sold is docketed in the within Commonwealth and County to: NO. 2001 3694 THE NAME(S) OF THE OWNER(S) OR REPUTED OWNERS of this property is: BOBBY KENDALL A/K/A BOBBIE KENDALL A SCHEDULE OF DISTRIBUTION, being a list of the persons and/or ",-, l" ~ 'i-. ,~ ',-- jWtiIMl!bv, , \ .. governmental or corporate entities or agencies being entitled to recei ve part of the proceeds of the sale received and to be disbursed by the Sheriff (for example, to banks that hold mortgages and municipalities that are owed taxes) will be filed by the Sheriff of this County thirty (30) days after the sale and distribution of the proceeds of sale in accordance with this schedule will, in fact, be made unless someone objects by filing exceptions to it within ten (10) days of the date it is filed. Information about the Schedule of Distribution may be obtained from the Sheriff of the Court of Common Pleas of the within County at the Courthouse address specified herein. THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF YOUR PROP'ERTY. IT HAS BEEN ISSUED BECAUSE THERE IS A JUDGMENT AGAINST YOU. IT MAY CAUSE YOUR PROPERTY TO BE HELD, TO BE SOLD OR TAKEN TO PAY THE JOOGMENT. You may have legal rights to prevent your property from being taken away. A lawyer can advise you more specifically of these rights. If you wish to exercise your rights, YOU MUST ACT PROMPTLY. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET FREE LEGAL ADVICE: Cumberland County Bar Association 2 Liberty Avenue Carlisle, Pennsylvania 17013 717-249-3166 Legal Services, Inc. 8 Irvine Row Carlisle, PA 17013 717-243-9400 THE LEGAL RIGHTS YOU MAY HAVE ARE: 1. You may file a petition with the Court of Common Pleas of the within County to open the judgment if you have a meritorious defense against the person or company that has entered judgment against you. You may also file an petition with the same Court if you are aware of a legal defect in the obligation or the procedure used against you. 2. After the Sheriff's Sale you may file a petition with the Court of Common Pleas of the within County to set aside the sale for a grossly inadequate price or for other proper cause. This petition MOST BE FILED BEFORE THE SHERIFF'S DEED IS DELIVERED. . "' ~- -", :..'-"".-. '. 3. A petition or petitions raising the legal issues or rights mentioned in the preceding paragraphs must be presented to the Court of Common Pleas of the within County. The petition must be served on the attorney for the creditor or on the creditor before presentation to the court and a proposed order or rule must be attached to the petition. If a specific return date is desired, such date must be obtained from the Court Administrator's Office - Civil Division, of the within County Courthouse, before a presentation of the petition to the Court. A copy of the Writ of Execution is attached hereto. PURCELL, KRUG & HALLER Attorneys for Plaintiff 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 '''',.,.',,',.,.' <:1~, -,f'- '-(. 'i., ',: 'lJ" \ ALL THAT CERTAIN parcel of ' land situate in the Borough of NeWville, Cumberland County, Pennsylvania, bounded and desc'dbed as follows: TRACT NO.1 BEGINNING at a po-st in the line of land now or formerly of Harry J. Shenk: thence by said lot South 8 degrees east 86 feet 10 inches to the line of Walnut Street: thence on the line of Walnut Street, South 71 3/4 degrees west 50 feet to the corner of Walnut Street and Buchanan Streets: thence by the line of Buchanan Street, North 8 degrees west 109 feet 4 inches to a post at a corner of lands now or formerly of Harry J. Shenk: thence by said lot North 82 degrees east 44 feet to' a point the Place of BEGINNING. TRACT NO.2, BEGINNING at a point on the line of Buchanan Street at the northwestern corner of'Tract No.1 herein: thence by the line of Buchanan Street, North 8 degrees west 8 feet: thence by the line of property of Kalbach Estate, North 82 degrees east 44 feet to a corner: thence by the same South 8 degrees east 8 feet to the line of Tract No. I: thence by the line of Tract No. 1 South 82 degrees west 44 feet to the place of BEGINNING. Containing 352 square feet. HAVING THEREON ERECTED A two story frame dwelling house known as 7 Walnut Street, Newville, PA. BEING THE SAME PREMISES WHICH Harold J. Barrick and Grace A. Barrick his wife by deed dated 9/15/72 and recorded 9/19/72 ln Deed Bo~k U-24 Page 1072 granted and convexed unto Bob~ie Kendall and Louise Kendall, his wife. The said LOUlse Kendall lS deceased and title vests in Bobbie Kendall by operation of law. TO BE SOLD AS THE PROPERTY OF BOBBY KENDALL (A/K/A BOBBIE KENDALL) ON JUDGMENT NO. 2001 3694 ASSESSMENT: 28-21-0361-101 K:\MKF\DOCS\CUMBERlA\KENDALl.DES '-~ -,~ '" .,;'-'- '. ..JiIIftt'- ' Re: HC vs. Kendall Cumberland Sale 12/5/01 U. S. POSTAL SERVICE CERTIFICATE OF MAILING (In compliance with Postal Service Form 3877) Received from: Purcell, Krug & Haller Postage: 1719 North Front Street Harrisburg, PA 17102 One piece of ordinary mail addressed to: Postmark: Bobby Kendall a/k/a Bobbie Kendall 776 Baltimore Pike Gardners, PA 17324-9010 U. S. POSTAL SERVICE CERTIFICATE OF MAILING (In compliance with Postal Service Form 3877) Received from: Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 Postage: One piece of ordinary mail addressed to: Bobby Kendall a/k/a Bobbie Kendall 7 Walnut Street Newville, PA 17241 Postmark: U. S. POSTAL SERVICE CERTIFICATE OF MAILING (In compliance with Postal Service Form 3877) Received from: Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 Postage: "1. ' ,,~~~ " .j.~'i'.: ,':; 'i '\i.\. \, One piece of ordinary mail addressed to: Domestic Relations Office Cumberland County Courthouse Hanover & High Streets Carlisle, PA 17013 ,- ,~-- -2 \,....,......= ;......('.11S""......'''':-et 'r~&;;.I_::::.J<< /X--,d S(>..~-:--?'!!!- - ~.: (..- ~A' '. 'j,~ U ~ nOSI' e, " ; , :u\ ,.....,r~ .u.r HUt,. /" p:: on . 2'D I ~l ,::",f ~~ :. \ ;)., . 0 " ,,,,,,.,,,,, .., 5 - I ' ..;::>.'U.;;.!(, '...... 1 --.... \. }:) [&, .!E;Mtr-~8 . ....: '~_,J. {)7635~5 "" " "j~?'il""""."",,""',",'_'_""",,"~~"'""''''''''"''''''.wi'''","-.''''''IM"~'~- ;1' :',/J ; ,l ;,.',' 'i~l , .--~,~ "'--~ ,~.- ,"" ,- --;< ~, ~,~. r" '" -- ~~ 1 [Ii""" '" ~] , ....... '" ~, ~"4liill'''''"''''' ""'^Y--'-'i~ 2~ 2:', ""'Oft] '" C'.; %'::>., ;zC, ~()d'---:'. ~:e~ .;;::. '%'6 7~ o -- ..... '0 ;.::. -- X:' >-~ :;;C- Ci .n -n ;?- ....,~~ .:;~,.'( ~:~~{ ~\.~-q (;t~~ o .>\ -.;~ ::4. C? '-" ,0 jjJ ~","",,",~,,-.~=~.,-- -...... ""1 , ~, ,-I _ .J ~.'." 0 " -' l , - ........!~ SHERIFF'S RETURN - NOT FOUND CASE NO: 2001-03694 P COMMONWEALTH OF PENNSYLVANIA COuNTY OF CUMBERLAND BANK ONE NATIONAL ASSOCIATION VS KENDALL BOBBY 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 KENDALL BOBBY but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE , NOT FOUND , as to the within named DEFENDANT , KENDALL BOBBY PROPERTY IS VACANT 7 WALNUT ST. NEWVILLE, PA 17241 Sheriff's Costs: Docketing Service Affidavit Surcharge 6.00 .00 .00 10.00 .00 16.00 ~ R. Tomas Kline Sheriff of Cumberland County ~ PURCELL KRUG & HALLER 00/00/0000 Sworn and subscribed to before me h' .... t lS 1'1 ~ day of ~~.t. JI1P I A.D. ~L_ Q n"D~ J ~ Pr t onotary , , '" J ,~_. L '. ,~ ~., ~-, .;.1 "" "" -'.L n8(AllIDiii1~ ' SHERIFF'S RETURN - REGULAR CASE NO: 2001-03694 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND BANK ONE NATIONAL ASSOCIATION VS KENDALL BOBBY DAVID MCKINNEY , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon KENDALL BOBBY the DEFENDANT at 1524:00 HOURS, on the 6th day of July 2001 at 776 BALTIMORE PIKE GARDNERS, PA 17324-9010 by handing to B. MARIE MYERS LIVE-IN BOOKKEEPER a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Additional Comments PROPERTY AT 7 WALNUT ST NEWVILLE IS VACANT. Sheriff's Co~ts: Docketing Service Affidavit Surcharge 18.00 13.65 .00 10.00 .00 41. 65 So Answers: ~~o;:-tf::~~ R. Thomas Kline 07/09/2001 PURCELL KRUG & HALLER me this /'1 e::. day of By: '~ 1JJ'~ ' /!J1 d/ltl /\JV\..oI r- Deputy Sheriff Sworn and Subscribed to before ~.Jwl A.D. ~Q-~. thonotary . ~ - ,~~. I J '"~ , j , - ''''~'; '''~ - < ".~'" 'L~, , ' ^ BANK ONE, NATIONAL ASSOCIATION, TRUSTEE Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYL V A1~1A vs. CourtTerm:(J/-3((/ILI Livi ( CIVIL ACTION - LAW BOBBY KENDALL Defendant ACTION OF MORTGAGE FORECLOSURE THIS FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTINGTO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after the Complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claim in the Complaint of for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS POPER 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. CUMBERLAND COUNTY LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 A VISO LE HAN DEMANDADO A USTED EN LA CORTE. SI DESEA DEFENDERSE CONTRA LAS QUEJAS PERESENT ADAS, ES ABSOLUTAMENTE NECESSARlO QUE USTED RESPONDA DENTRO DE 20 DIAS DESPUES DE SER SERVIDO CON ESTA DEMANDA Y A VISO. PARA DEFENDERSE ES NECESSARlO QUE USTED, 0 SU ABOGADO, REGISTRE CON LA CORTE EN FORMA ESCRlT A, EL PUNTO DE VISTA DE USTED Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA. RECUERDE: SI USTED NO REPONDE A ESTA DEMANDA, SE PUEDE PROSEGUIR CON EL PROCESO SIN SU P ARTICIPACION. ENTONCES, LA COUTE PUEDE, SIN NOTIFICARlO, DEClDIR A FAVOR DEL DEMANDANTE Y REQUERlRA QUE USTED CUMPLA CON TODAS LAS PROVlSIONES DE ESTA DEMAt'IDA. POR RAZON DE ESA DECISION, ES POSSIBLE QUE USTED PUEDA PERDER DINERO, PROPlEDAD U OTROS DERECHOS IMPORTANTES. LLEVE ESTA DEMAt'IDA A UN ABOGADO IMMEDIATEAMENTE. SI NO CONOCE A UN ABOGADO, LLAME AL "LAWYER REFERENCE SERVICE" (SERVlCIO DE REFERENC1A DE ABOGADOS), (215) 238-6300, CUMBERLAND COUNTY LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 lfUJE COPY ~OM RECORD In T~11mooy wneraof. I here un'lt\!lIlt my lIaM and ~,,~I 01 saltl Court at r.art,,~' Pa" n,iS',J; ;t) ay GU l, CY~ , Ii .", , ',.' 4aD..-~ /./" I Prothonotary' \~ ~~ ~" : L ~ ",__ IC,",J .--,. ,,~'J '. ._...w' . ,,; C"S,j 'j' BANK ONE, NATIONAL ASSOCIATION, TRUSTEE Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA VS, Court Term: BOBBY KENDALL CNIL ACTION - LAW Defendant ACTION OF MORTGAGE FORECLOSURE THE FOLLOWING NOTICE IS BEING PROVIDED PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 V.S.C. 1601 The undersigned attorney is attempting to collect a debt owed to the Plaintiff, and any infonnation obtained will be used for that purpose. The amount of the debt is stated in this Complaint. Plaintiff is the creditor to whom the debt is owed. Unless the Debtor, within thirty (30) days after your receipt of this notice disputes the validity of the aforesaid debt or any portion thereof owing to the Plaintiff, the undersigned attorney will assume that said debt is valid. If the Debtor notifies the undersigned attorney in writing with the said thirty (30) day period that the aforesaid debt, or any portion thereof, is disputed, the undersigned attorney shall obtain written verification of the said debt from the Plaintiff and mail same to Debtor. Upon written request by Debtor to the undersigned attorney within said thirty (30) day period, the undersigned attorney will provide debtor with the name and address of the original creditor if different from the current creditor. PURCELL, KRUG & HALLER 1719 North Front Street Harrisburg, P A 17102 (717) 234-4178 Attorney LD.# 15700 Attorney for Plaintiff ,..d" , .',,~ . q il -- '" ~; ,-' . .~ '. '-'j' 'iii ; . BANK ONE, NATIONAL ASSOCIATION, TRUSTEE Plaintiff TN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYL V Al'iIA V5. Court Term: BOBBY KENDALL CIVIL ACTION - LAW Defendant ACTION OF MORTGAGE FORECLOSURE COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff, BANK ONE, NATIONAL ASSOCIATION, TRUSTEE is a corporation, acting through its servicing agent of HOMECOMINGS FINANCIAL NETWORK. INC., whose address is 9275 SKY PARK COURT, SUITE 300, SAN DIEGO, CA 92123. 2. Defendant is BOBBY KENDALL, whose last known address is 776 BALTIl\10RE PIKE, GARDNERS, PA 17324-9010. 3. On or about, May 20, 1999 the said Defendant executed and delivered a Mortgage Note in the sum of $63,000.00 payable to MERITAGE MORTGAGE CORPORATION, which Note is attached hereto and marked Exhibit "A". 4. Contemporaneously with and at the time of the execution of the aforesaid Mortgage Note, in order to secure payment of the same, Defendant made, executed, and delivered to original Mortgagee, a certain real estate Mortgage which is recorded in the Recorder of Deeds Office of the within County and Commonwealth in Mortgage Book 1549, Page 8, conveying to original Mortgagee the subject premises, The Mortgage was subsequently assigned to Resource Bancshares Mortgage Group, Inc. and recorded June 9,1999 in Mortgage Book 615, page 617. The Mortgage was subsequently assigned to Bank One National Association, Trustee, and will be sent for recording. 5. The land subject to the Mortgage is: 7 WALNUT STREET, NEWVILLE, PA 17241 and is more particularly described in Exhibit "B" attached hereto. 6. The said Defendant is the real owner of the property. .', ".+ ,j ~H_ . '~'""'-""1i~" '. ' ~, ' 7. The Mortgage is in default due to the fact that Mortgagor has failed to pay the installment due on October 1, 2000 and all subsequent installments thereon, and the following amounts are due on the Mortgage: UNPAID PRINCIPAL BALANCE $62,630.75 Interest at $18.92 per day from 09/0112000 To 06/0112001 (based on contract rate of 10.8750%) $5,165.16 Accumulated Late Charges $0.00 Late Charges at $29.70 Per month for 10 months $297.00 Escrow Credit $54.10 Attorney's Fee at 5% of Principal Balance $3,131.54 $71,170.35 **Together with interest at the per diem rate noted above after June 1,2001 and other charges and costs to date of Sheriffs Sale. The attorney's fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and will be collected in the event of a third party purchaser at Sheriff s Sale. If the Mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged that are actually incurred by Plaintiff. 8. No judgment has been entered upon said Mortgage in any jurisdiction. 9. Plaintiff has complied with the notice procedures required by Pennsylvania Act 160 of 1998 by sending to each Defendant, by regular mail, a copy of the Combined Act 6/91 Notice. A true and correct copy of the Combined Act 6/91 Notice, along with a copy of the Certificate of Mailing, is attached hereto as Exhibit "C". 10. Defendant is not a member of the Armed Forces of the United States of America, nor engaged in any way which would bring him within the Soldiers and Sailors Relief Act of 1940, as amended. c, , ., ~' ,I, ,.,~ ,," """,,'. ';" '-]~Ji , c , . II. The Defendant has either failed to meet the time limitations as set forth under the Combined Act 6/91 Notice or has been determined by the Pennsylvania Housing Finance Agency not to qualify for Mortgage Assistance. WHEREFORE, Plaintiff demands judgment in mortgage foreclosure "IN REM" for the aforementioned total amount due together with interest at the rate of 10.875% ($18.92 per diem), together with other charges and costs including escrow advances incidental thereto to the date of Sheriff s Sale and for foreclosure and sale of the property within described. ~~_ By: ____ PURCELL,KRUG HALLER Leon P. Haller, Esquire Attorney for Plaintiff !.D. # 15700 1719 N. Front Street Harrisburg, PA 17102 (717-234-4178) ". ".. . . , ' N ~ BALLOON NOTE E (Filled Rate) TillS LOAN lS PAYABLE IN FI1LL AT MATUIU'l'Y, YOU MUST REPAY THE ENTIRE PRINCIPAL BALANCE OF THll LOAN AND UNPAID INTEREST THEN DUE. THE LENDER IS UNDER NO OBLIGATION TO REFINANCE THE LOAN AT TIlAT TIME. YOU WILL. THEREFORE. BE REQUIRED TO MAKE PAYMENT our OF OTHER ASSETS THAT YOU MAY OWN, OR YOU WILL HA YE TO FIND A LENDER WJlJClI MA Y BE THE LENDER YOU IL\ va THIS LOAN WITH. WILLING TO LEND YOIi THE MONEY, IF YOU REFINANCE TillS LOAN ATMATlJRIT'{. YOU MAY HAVE TO PAY SOME OR ALL OFTBECLOSING COSlSNORMALLY ASSOCIATED WITH THE NEW LOAN EVEN IF YOU OBTAIN THE REFINANCING FROM THE SAME LENDER. 1 1111111 111111111111[11 !IIIII 11111 11111 illl:1111I1 JUN Q% 199& HAY 20, 19951 (DalCl PB1QISYI.",NlIA ISQlCl IfOllKLBYSlltJllG reily) 7 NA.t.Nm" S'Z'UlrT ~LL8, PA 172.1 IPropeny AddfC541 I. BORROWER'S PROMISE TO PAY In relum for i loan tha1 I have received. 1 promise to pay U.S. $ li3. DOl). GO (this amount is called Qprincipa{"), piLlS interest. 10 lh~ order of lhe Lender. The Lender is KBRrTAGB MOll'rGAGB COllPORA'1'ION. AN ODGON CORPORATIOR I unt.lerSland lhat tbe Lender may tOUlSfd" this Note. The Lender or anyone 'Nbo takes this Note by lransfe:r and who is t:TUilh:d to receive paymezu5 under this Ntm i, c.ilJed LM "~L* Holder. .. 2, INTEREST lnlerest will be charged on the unpaid principal until the full amount of principal bas been paid. 1 will pay inlemL al a yearlyrateof.lO..J75 ~. The interest rate required by this Section 2 is the rate I will pay both befoTe and after any default described in Section 6(B) of this. Note, J, PAYMENTS (A) Time and Plate or Payments I will pay principal and interest by making. paymel1ts every month. I will make my monthly payments on tht' 1ST day of::acb month b:ginning on JtJL-y cu., 199' I will ulSke lhese payments every month until' 1 bave paid all of the pripeipal and jn~erest and any other charges describt:d below that I may owe under tbis Note. My monthly paymen15 will be applied 10 interest before principal. If. on JONE 01. 2014 , I still owe amounts under this Note. I will pay those amounts in full on that date. which is called the "maturity dale." I will make my mcmthly payments at 5665 SOlJ'TH5tf.lST MEAIlOWS ROAD, S'D':tTk 3 SO LAXE OSWBGO, OR 97035 ,or at a different place if required by the Note Holder. (B) Amount or Monthly Payments My momhly payn~m will be in the :uncLlnl oru.s. $ 59-4 .03 4 BORROWER'S RIGHT TO PREPAY I have 111<:' right 10 mak:: paymt:nts of principal al any time before they are due'. A payment of priru.:ipal only is known as a "prepayment. It When I make a prepayment. I will tell the Note Holder in writing that 1 am doing so. I may make a full pr:paymtnt or partial prepayments without paying a.Qy prepaynK:1U charge. Tile NOll: Holder will use all of my prepayments to reduce the amount of principal tltat I owe under [his Note. If I make a partial prepayment. the'n: willlx: no chang($" in the:- due: date' or in Ihe amotlnl of my riwntl11y payment unless /he Note Holder agrees in writing to Inos!: changes. 5, LOAN CHARGES If a law. whil41 applies 10 this loan and which sets maximum lOaD cbattt:s. is tinally intefpre1ed so that lIu: iDte~st tlt other lOan charges colh:cted or to be collected in connection with this loan exceed the penDined. limits. then: (i) any sucl~, loan charge shall be redLlced by !be amount necessary 10 reduce the charge 10 tne pennined limit; and (it) any sums already c~lleclal (rom me which ex.ceeded permiued limics will be refunded co me. The Nott: Holder may choose to make Ibis .refund by reducing. the principall owe under this Note or by making: a direct payment to Ine. 'If a refund reduces principaL. Ihe reduction will be lrealed as. a parlial prepayment. 6, BORROWER'S FAILURE TO PAY AS REQUIRED (AI Late Charges ror Overdue !):lyments If the Note Holder has not recdvcd Ihe: full amount of any monthly p.ayment by the end of 10 calt:ndar days afu::r the dale il is due, I will pay a later chargt: to me Note Holder. The amount of the charge will be 5.000 % of my overdue paymt:nl of principal and interest. 1 will pay Ibis late charge prompliy bUl only once 011 each late payment. IB) (kfault If! do nO\. })ay the full amoUnt of each monthly payment on the dale il is due, I will be in default. tC) Notice or Default DDS.l'RJ PACE I El H/!3n '"I i(A'C' ,-" c;,.:cii' '''ri'''''''c ,1;,"-,,, , ''-l-J{ ;;.,;),"i 'U-:: u ,~.J " "~. '."" > <,' "';';;.c ,or.""",-"~-,:o,,,',"'/:"1';'ki . . , . If I 3m in default. the Note Holder may se:od me a wriIten notke teUing me that if I do not pay the ovetdue amouat by a cenain date. the Note Holder may require me 10 pay immcdjuely the full lIDOunt of principal wbich bas DOt b=n paid _ .u the interest thai I owe on that amount. That date must be at least 30 days after the dale OD which the notice is delivered or :nailed to me. iDl S~ Wajver By Note Bolder Even if, at a time when I :un in default. the- Note- Holder does Dot require: me to pay immediately in full as described Jbove. the Note Holder will still have the right to do so if I ma in default at a later time. (E) Payment of Note Bolder's COIt5 and Expeases If the Note Holder bas ~ me to pay immcdiaIcly in full as described above. the Note Holder will bave the righl to tie paid backiby me fur all of its cost.and expeoses in. enforcing rhi1 Note to the extent not prohibited by applicable law. ,Those expenses' include, for ~Ie, reasonable attotncy's fees. 7. GIVING OF' NOTICES Un1es~ applicable law requires a differeat method. my notice that must be given to me under this Note will be given by delivering it or bY, mailing by first class: mail to me at the- Property Address above or at a diffeten1: address if I give the Note Holder a notice of n1y different address. Any ootice that must be given to the Note Holder under this Note wUl be given by mailing it by first class mail to the Note Holder at the address Slated in Section 3(A) _above or at a different address if 1 ma given a notice of that differear: address. 8, OBUGATlONS OF PERSONS UNDER HIS NOTE If more than one person signs this Note. each persoQ id fully me! persooally obligated to keep all of che promises made in this Note. including tile promise to pay the fun amount owed. Any person who is a guarantor, surety. or endoner of this Note is also obl:igated to do these things. Any penon who take$ over these ObUga1iODS. includb1g the obligations of gua.ranlo1'. surety or end~ of this Nate. is also obligated to keep all of the promises made in this Note. The Note Holder may eaforce its rights under this Note against each person individually or against all of us together. 'Ibis means that my one of us may be required to pay all of the amount owed under this Note. 9, W AlVERS t and any other person who has obligations under this Note- waive the rights ofpresentmcnt and notice of dishonor. Presennnent means the- right to require the Note Holder to demand payment. of amounts due. Notice of dishonor means the means the right to require the Note Holder to give DOnee to other persons that amoUIUS due have DOt bc:cn paid. 10, UNIFORM SECURED NOTE This Note is a umfann instrument with limited variations in some jurisdictions. In addition to the protections giVeD to the Note Holder under this Note. a Mortgage, Deed of Trust or Security Deed (the "Security ~"), daIed the same date as this Note. protects the: Note Holder from possible ,1oaes which migbt rault if I do not keep !he promises which I make in this Note, ThaI Security Instn1J]]Cl.t describes how and under wlw tonditi011S I may be required to make immediate payment in full of all amoun1 I owe under this Note. Some of those conditions are dcscr1'bed IS follows: Transfer of the Property or a Beoeftdal1Dterest iD Bomnn!r. [f all or any part of the Property or any intereSt in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is DOt a natural person) without Lender's prior written consent, Lender may. at its option. require immediate payment in full of aU sums secured by this Security Instrument. However. this option shall run be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. If Lender exercised this option. Lender shall give Borrower notice of acce1erntion. The-notice shall provide a period of not less that 30 days from $e date- the notice is delivered or mailed within which Borrower must pay all swns secured by this Security Instrument. If Borrower fails to pay these sums prior 10 the expiIation of this period. Lender may invoke any remedies permitted by this ~urity IDsuumCnt without further notice or~: o.~ ~~(JJ/f) WITh'ESS TIlE HAND(S) "''ID SEAI,(S) OF THE \JND~GNED. jLflC~> f'5'l'!' 19S~2.8.0S10 ,8~ ?.,.~ BOBBY ~ ,",l, -f}J (SlIAL) DAn PayToTheOrderQf '-<;i PayToThe Ordar 01 RESIDENTIAL FUNDING COB? R_ B/JrK:SIumIs I!1oltgage ~ Inc. Without R&cou"," ~. (]f/ci' &iAfWrY] , ' . ~, J.f A Cmdl Callaham. Senior Vice PresidEflt ~ " ... J I-'~::!::. OSOu"", BancsltaJes Mot!gage Gnlup.lnt:. Mer!l8ge MoItgage CorponIlIllIlI (Sign Origin>! Only) SEE BALLOON NOTE ADDENDUM ATIACIlED IlERETO AND MADE A PART HEREOF, t'5j./K INITIALS INITIALS (NITlALS INITIALS DDS.iRJ PAGEl <L -- ~., ,,--- '~'I- -~'< ~,. " .,,' '~'-~.,'\ . . , . PREPAYMENT ADDENDUM TO PROMISSORY NOTE ( PIlHlIIsn.VAHU ) m ?repayment Penalty - First (3) Year(s) of ~te This Addendum. is attached to and made a part of the Note to wbic:h il is. affixed executecl by the unde:Isigned (herein "Maker". whether one or more parties). To the enc:m of my CODflic:t between the provisions of me Note and the provisions of this Addendum. the provisions.ofmis Addc:udum sball mpersede and control the conflidiDg provisioQS of the Note. The foUowiDg provisions are l1creby added to the Note: If you repay your 10m before the cad ofthe' 'r!tt1lD HOle Year (a "Note Year- consistiDg of me twdve-moath period tonunencing with the dale of the Nate and each lWelve--month period th~ occurring during the: lerm of the Note which tOmiDenccs 011 the anaiversary of the _ of execution of the Note), Maker may prepay up to. but not in excess of. 20$ of the original principal.amount of ttle NOfe (the .~ LimiEation.) wjrboul pezWly. AD}' ptepa}'JDl':'Jlt of me prindpal amount of the Note in excess oflhe Prepayment Limitation sball be conditioned upoD Maker's payment of a prcpaymc:m fee equal to the interest that would accrue during a six.momb: period on me amount of prindpal that is prepaid which is in exc;ess of the Prepayment LiJI1iwion calculated at the me of inu:rcst tbm applicable to this Note. 10 the event the ID8't'Urity of the- Note is llCCelerated for any reason. then the prepaymcm: fee set fonb hemn shall be due and payable- with respect to tl!e poni<lD of me tJrincipal balance wbich is in excess of the PrqJaymcm Limitation. NOTICETOTHEBORRO~R DO NOT SIGN THIS LOAN AGREEMENT BEFORE YOU READ IT. THIS LOAN AGREEMENT PROVIDES FOR TBE PAYMENT OF A ~ALTYIFYOUWISHTOREPAYTHELOA"O(PRIOR TO THE DATE PROVIDED FOR REPAYMENT IN THE LOAN AGREEMENT. Signed for idenrificalloo.: MAKER: /l..f~ /~~k-(/ B~ ICBRDALL fiil-z.ol'i1 DAn DDS-Tit:! ';'l"". . . , . BALLOON NOTE ADDENDUM [!J BAU.OONUYMENT THfS LOAN IS PAYABLE IN FULL AT THE END QF 15 YEARS, YOU MUsrREPAYTHE ENTIRE PRINCIPAL BALANCE OF THE LOAN AND TIlE UNPAID INTEREST THEN DUE, THE LENDER IS UNDER NO OBUGATlON TO IW'INANCE THE LOAN AT ANY TIME, YOU wn.L THEREFOR!! BE REQUIRED TO MAKE PAYMENT OUT OF OTHER ASSETS YOU MAY OWN. OR YOU WILL HAVE TO FIND A LENDER WILLING TO LEND YOU THE MONEY AT PREVAlUNG MARKET RATES. WHICH MAY BE CONSIDERED inGBER OR LOWER TIlAN THE INTEREsT RATE ON TIllS LOAN, IF YOU IW'INANCE THIS LOAN AT MATURITY. YOU MAY HAVE TO PAY SOME OR ALL CLOSING COSTS NORMALLY ASSOCIATED WITH A NEW LOAN. EVEN IF YOU OBTAIN REFINANCE FROM THE SAME LENDER, er~ ?C~./ BOBBY 6-20-9.;;) DAn DDS-TR4 ,~~ ~', ~'", ,-~', " '" ~.' " ~, , 'G; ~, -" '" , ,.. 'd,-: ~, '", ." ,Pj'""" 'j. ~., c.:. <'.k;j: , ' ALL THAT CERTAIN parcel of land situate in the Borough of NeWville, Cumberland County, Pennsylvania, bounded and described as follows:' TRACT NO.1 BEGINNING at a post in the line of land now or formerly ,of Harry J. Shenk; thence by said lot South 8 degrees east 86 feet 10 inches to the line of Walnut Street; thence on the line of Walnut Street, South 71 3/4 degrees west 50 feet to the corner of Walnut Street and Buchanan Streets; thence by the line of Buchanan Street, North 8 degrees west 109 feet 4 inches to a post at a corner of lands now or formerly of Harry J. Shenk; thence by said lot North 82 degrees east 44 feet to a point the Place of BEGINNING. TRACT NO.2 BEGINNING at a point on the line of Buchanan Street at the northwestern corner of'Tract No. 1 herein; thence by the line of Buchanan Street, North 8 degrees west 8 feet; thence by the line of property of Kalbach Estate, North 82 degrees east 44 feet to a corner; thence by the same South 8 degrees east 8 feet to the line of Tract No.1; thence by the line of Tract No. 1 South 82 degrees west 44 feet to the place of BEGINNING. Containing 352 square feet. HAVING thereon erected a two story'frame dwelling house known as No.7 Walnut Street, Newville, Pa. >', ~ E,X H { 0 I I ., , " , ~ !' b ........" .. ~ . ~ <,' I,.' J;'.;, " ',c ,n'__, '^,', ,'" ~~- " ~_o,,~"': .,,<:-\~ , " January 12. 2001 C.ertilkd ~b.i1, Return R~l:!ipl R.c:q~stCld - 0431411 :97 Robby iCe-mIl ? Wlllnu~ StreC'! Newville. p,~ 172~l ftc' Prop~r:y I\ddrc:-:i; 7 Wainul Street N~il1c, PA 1~41 Loon Number' 0431-111297 A dct'olulE,e."i:;:\s :Jndi!!' the iihovc r.:fereru:l:d MorJ.galt~lDced Or'Trullt IO!ln agrecnenl. 'fh" m::.iOIl f~-=Julred to etlI'e th.., dofilult jf, the psymcnt orull "l.lmll due. under the MOrlsa~ed >Jf"!"ru...t In:\n C1gcelllenl. A:; oilhfl dnte of Inl' !C:Uer the: lutul !lmOUtlt .:luc is S 1.736.69 Thnt sum includes the following: 4 ';:!::lytncnt'S WtBli'l'!g: S 1,704.27 ; .;'It..: charges. $. S9,10 Olher fee~ ill'ldtor cc~ts S 15.50 L'napphcd r~unu:: , $ 7: 1 ~ The t;;I.1I1 ilmuunt due: :>hown abov,=,' is ;)<'!bje~~ 1...} fUlthcr incrcaacs Cor adtli~iunul m~'nthly payments, late: chnq,,'=>. attorney fees. IIndA,,- other foes and CO~I which mity hac:nlftc duc, aftc:r the lisle or lhi:"i lotter, To obmJn an update vf Ihe toul amOW1! du~ :0 ~:ur~ thi!l' dBfault. con1act us ot 1~SOO.Z06-200t, TO CURIO 11m DE'FAtn,T, SaN!) YOUR Ci\SffiRR'S CIlBO!:, MONEY ORDF.R, OR CEKl'1FlED amOK:N THE AMOUNT OF $ ~"736"69 BY F",bnmn' It. ~QOI TO TIlE l'()~LOWIN(l APnRtlSS, I:looll:'Comingll Finandal Network. P.O. BOI 78416 Phoenix, AZ 85062.3416 OR ovutNlCnr TO: 244~ \V. Dunlap Avenu~, Suite 100 PhoC'nix. AZ 850n-Z1Io3, - if me dcia~lt is not cur~d within thiny (30) day., ~flheJ mailing of thtS leller, lhe lemler. wimout f~r notice or dcmunu. will ~c1cI3te the mil~urily clnte of the Note and dcclur<: all sum!! ~eured by Ih~ Mortg"dgltlDeod nf Tru:;l 10 be immediatc:)' due and pUYBble. The: lender 111m inll".nds 1..') hnv'~ the property !lold u.l II pl.lblic forcclosUI'l: snle. l\.fwt' a.eeclcrsrion. n curi.ng or lhe ckf:\ult Bnd reinstutcment of ~h~ loa,! will be: panliltl:."d up !.O the time of the: sale by paying the p.'ls:t due monthly payment... !l1"'.d ather !turns then due \.uulor \he Mtll'lg,as.:/Dc.ed oftl\.lzt ll'l~n Ii~c:ncnt and by cumplyiJIS wiili 3111emJlI ofrein:sI.41t.mlQr'lt. You tulve lhc right to hrint;l3 court aClion to iL:SllGrt Ihe noncxi,ICMt' ot'lJ Ilcful.Ilt Qr fillY othcr defense dlUt mil)' ~"".ist tn rm::vC:nt acederali;m and AAJ~ ofthc property, Tl'JS NOTICe IS SOY!" TO YOU ll'i AN ATTF.MPT TO COLLECT THE INDEBTEDNESS REl'hRltiiD TO HEREIN AND ,"'~ Y L\-:!ORM.\TTON OBTAlI<liD ,ROM YO\TW1lL BE USCl) FOR TIlIIT PtlRl'OSE, Sincerc;;" l..ow1/':C':'il~.c.\ln; Dt?m~t::nt Hl.H - D 1/(13; T "e I~ ~2CE;V~D T1MEMAY. I~ " ".." ~, : ~ ~: .!1 ?;;N~ 7;H~~~V In . ., ... .. l~l.....".. ., _", 4: 4:'?M ~ " ,,~ I, "" ^ . "~ .. \. ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOM:E FROM FORECLOSURE - '!'HJ~ l'<OTlCc IS SENT TO YOW IN PiN ATTEMPT TO <:OLWCT TIm 11'<1)RFlTF.DNE9S REFERRI!D TO HERE!N AN!) AN Y L''FORMATI()N ORT A1J<1!D FROM YOU WILL B=: "~2.) fOR mAT P\;RP(lSF. Jhi!'; i:<; an t1fTiei;\! "mice th~t the mDrt~on youx:.,hQm~ in d~rl\u!t. m,d lhc lend.:::, intend!> to (C!~c:c!ose. $peci1i~ inforrnnlit,1l"IJthm.1 Tj,~ nntnre nf the default is 'Ofoy!d.c:d in rhe I:It\,\u;hl'!d r~ Th~ HONffiOVIN'F.R'S ;..ICRl'GAg..!::.A.::iS1Sl.8t:Jt:n PR(llTR^M rnF.M..\J"l) mav b: lble~~.o.~dp \,'..&Uvc.Y.t,Wt..lJmnJ<. Thi9l'1plic!=. C':(plu.ins ho'Ao Ih~ 'n'OI:m.m work,. Tc set: if~~ em hd!:l-Y"u mtl.-,:;t M"FffiT WITH A CONSUMJ;:R.CRBDIT C.O{XSF.T.ING ArrF.'NCY WITHlN 10 nA V~ ()F 'iA" OATF. OF nns Nq'l'1.c;l:t.. .tlJh~ Ihi~ Mtit:& .....ith "'ClU when vall Meet with..the c.:O\ll1lSCl.1inc- Al"encv Tnt! 1'11=1.1 11Udra.~~ ~nd Dim/\\: I1wn~ .O!' Con.111fnto' C':rt'!:!il 1'::lIlnsulinst 1\Q:cneic.~ ~crviDbJqur C:Ol.l11ty. art" li-llt'll !ll tht! end 9( Ihl:i NR.licl! rf ,mu hay,) nnv aUC!lI;OllS vou n!lY .c,s1l th.~bnnsvlvllnill Hn=lnl): ~il'lMCt ,4"c.cncv IOU free iLl.: 800.34J~239?:,.tlC1';:lonS"-IDJP ;mrmired htMlrinll': e:'ln call (717) 78C!:1,36!t). Thi~ Nntico contains imponanl I~g:al informl1lilln. If you ha"e any quc.dons, rcprcscnt3ti...c~ ill Ihe Co":sume.r Credit Cuun:>~ling ^8"T1cy may he able to help explllin it '{ uu mu)' uhlo IWMI to eoma.:!: an :l.l!C:ney in your IlI'dl, The lucul bar 1I:>1ociuli.m may ~ ahl03 tn l1alp you find s !~r, I." NOTlFICAClON !iN ADl1.1NTO ES DR SL'l\.IA lMFORTANClA pt;!;:; APECTA Sl1 DF.RECHO A CONTINUAl< VlV1F.NDO EN SU CASA. SI No CoMPRENTJF. FoI. CONTI!NIDO DE ESTA NOTll'ICACION OETEc'lGA UNA 1'&\DUCCION IMMEDlATAMBNTE LLAlvtAl'iDA ESTA i\GF.NClA (PENNSYlVANIA flOU~ING FINANCE AGliNCY) SIN CIIROOS AT. Nl1MERO MENCION!\l)O AIUlIB/\ PUBDES StiR E.l.JiGlBLE P,\Ri\ UN PRE~AMO POR EL PKOUl(A.\;IA LLA:vt,OO "HOt"GOWNER'S EMhlWliNCY MORTGAClF. ASSlSTA.~CJj ~ROGRAM" EL CUAI. l'lrr:DE SA!. VAl< SU CASA DE LA PERDI1lA DRL DBRJiCHO A RWIMlR gl; HTl'O'!ECA - Date: Jmu1ll'Y 12, 200 I Tel ?obby Ke~U 7\1:3111ut Scree!. N<l~ilic., PA 17241 Prl'lntil\Iol~: 7 W:tlnut Slrec\ Newvillc,PA 17241 R.!l: LO:\I\ Number: 0431..$1 1297 FROM' T'ln",.:.C.nm;l'll:.!..~ Financial N.el:.!'..w:k - ?~C~ i ~IS~ ~ :0E:\L~t:., " ",,,\,: -' ' -: -' '" ?2:~~ 7:MEMAY, 26, 4: 4 = ?Jl ;'" > ~~ .,.j " "l-,. 'J;, '1 L:'~j.;'.i.J' " t~')i HOMEOWNERS' EMERGENCY MORTGAGE ASSIST ANCF. PROCRAM VOC MA Y BJ; ELIGIBT.F. FOR FL~."'~CIAL ASSIST AN~F. WHICH CA.'! SA VB YOUR HOMF.l'ROM l"ORECf,OStTRF. AND HELPYOU MAKF. rt~T1::rRX MOR1'CAGJt)>A VMrNT~ If YOU COMPLY MTB Tl-lli ?ROVlSJONS Of THE HOMEOWNER'S BMl!RGENCY MORTGACE ,.SSlTANCE ACT or :98,1 (THE "ACT"), YOU MAY 131; ELIGIBLE FOR nMERGENCY MOR1GAGE ASSIST!\NCE: 'if YOL1R.DHAlil-T HilS DEEN CAUSEI.) BY CIRClIMSTi,,'1CES BEYOND YOUR C01\iTROL, IF YOU HAVE i\ j(.RA.'iONABLB PROSPECT Of 9R1NG ABLE TO Pt\ Y YOL'R MUKL'OAGE ?lWMENTS, AND - ~ YOU MJih"l OrrmR EUGIBa.IfY I\J::QUUU;i'..J1.rNTS F.~TABI.!SHE:> BY ';"HE ?TIN'N'SY1.V.~~-LA HOtrS!N.O f.'TN^NC"F. AGENCY, T'RMPOR.,\RY ,S,TA Y elF Ji'ORECLOSURIi - Uru.!('r \.he t\et, you are enlitled fO l1lemp.:ltt\l)' ~[.1.y of f.xcelobUfe ~ln yO\Jl' rn.)ng3gc for thirty (3D) (181$ rrnm the d3w 01' tn;.; NQlic~, During that time, YOLl must lVtN160J and ll.tlcnd a "facc.t.o-facc" nleetillg with om: of tbi!' consunl(lr credit coWlSd~ agencies liSted at the c:nd. of tml; NOtice, ~ M'F.lITING MUST O~~lJR WITHIN THE NEXT 30 DA VS, IF YOU l'lc) NOT A,PI, Y FOR EMBRG&"N~Y MORTCMCf'F. ASSIST,~t-(~h YOU ~fUST BRING XPllR MORTGAGE UP TO L1A'rf. rHR flART OF nus !'lOnC" ('A1.I.F.D "HOW TO C1.!l1-n YnUR MORTGAGti, DeFAIU" RXPL'lNS HO,W,TO [IRING YOUR MORTGAGE tiP :tQIle.IE. C:ONSUM.cR Cl21mTT COUNSELING AGENCTF$ - Ii you mC'c! with one of the ccnw.lner credit. Cl.1Ul'lSelins sgencies li~lcd 31 the end or INS notice, thc kndermsy NOT tnkc ACtion against you fur lron.y (30) cb.~ at\cr the- date ofltus meeting. The rwnea, add~~e~ Rnd t.l:l,lnnl'tlc numba,.,<,'t( dl"5;~nud e,'nmJmer erediL~lm"d1lin9 lUl:encil!S for the cour.tV i.n w.hich !he nmnCnv is ]oca~~d ~ ,.;.1l1 rOM at the end C?fthi:;.~, It in ,)nly nc:Cts!Sl)' to li:c:hc:uult un"! filca.to---tace meeting. Advise your lender il:mne~l&Jx of jour iJ'\tcntions. .<\P1" LT('..l nON FOR .M:OKl'GAGF. A!t.'lii:rST ANCE - Y our mon~ 15 ill dcfuult t'or the reu:o~ .set forth later In this Notice (sell followinS p~es for ~pc:t.'inc.: infomlluion about lhe nalun: of your dcfhult.) If you b.sve tri('u un<! O.tc unable to resolve this pro:blem W1d~ the lender. you have the risht to apply for rlMnclo.1 ll!ISistancc from the Homeownel"$ ,Emersency Murt~il A-~.l~t~ncC Prosram, r" do !fO, you must nil out, lIign and file :J. c:omplC:lcd Hcmeo\1lt1eI"s Emergeney i~.~!i~tancc: P:'ogl'orn Applicl\tlO'n with one of the designnted coru.umeI' .:~dit cuUl1$elirtg ag('ncies li5t.:d at the end of thi:s Notice, Only consumer crt"tlit c-oun..~clins as-c:nCle::; rnw(' appliC:M.ion.~ for the prosrum and they will I'lSSi6t you in 9\lbmmmg II complete application to the P=msyJ...;lni3 Howins lo'muncll J\gency. Yow- applic:mon M:tJS'I' be ~:cJ \)r p(1:ttm:'lrk::d within thirty (30) d.'\ys of your f3CIl-lo-fM\:'e r.lilctins J,FNDFll CONTACTL" ReGARDS TOPENNSYT,v.N1A HOUSING F1NA)I~IAT. ASSISTANCE - ?l'orncComings FinDncinl Network 9:75 Sky Par\:' Col5t Sa.'1Diego, CA921:3 Alto; tass Mitigation Depnrtmwnt, Steven ROllrk Phone: 1-888..8!O-J6ln, e:o:.t 5130 - ?~C~IV,~=' ?~JE;\t:l,':, ,'" :' : ~ ~?~!l '" . \J'" ,"' \t.\I' '1 ^ F ;" K;:~ 1 . :Nl~:vL).,.~. [,.-" tL' a ~ :\~ .' ,.'''' ,~" '-, ~" ,~ i. -- ,--'. "'c ",:'.iItl:~.jt - " . ALL CORRESPOND!:NCE REGARDING pm'A A.S.SlSTANCE SHOULD BE FORWARDED TO 'rHli ABOVE REFERENCED AlmRESS, YOU Mll~"I FILE YOID< APPLICATION PROMl'TL y, 11' YOU FAlL TO 1.l0 SO OR IF YOU DO NOT FOLI.OW TIlE OT~ TIM!: PERIODS SiT FORTH I.i'l TIl.IS Ll<1"1'.Ji:R, FORECLOSL'RE MA'" pROCE.ED AGAlJI'ST "'OUR HOME IMMEDTATF.T.Y AND YOUR APPLICATION FOR MOllTGAGE ASSlSTAI'lCE WIT.!. BE DENIED, AGF.NC':V ACTION - Available funcb; for cmcrI;tncy mortsage u;osislunCI' l'\r'1'. vet'! JimlU:d. They will be dillburscd by thl: Asa1t:y und~( the c1iBlhililY criteria c=<;t.llbliilht!d hy :hc Act. l'r.c Fcnnsylvnnia Rou~~ Finnnce ~"T1cy m.'t ~lXty ((.0) day! :0 makt il <Ieei~i(l(l :lIter it receives your upplicntlon. Durins thal rime, no for::clostlrc procccdi~.. will ~ pur:>1.Wd :\g..'\il'l..'1lyo'-\ if you huve m~t the Lrme re:quITcrr.ents sl:t forth. above. You '11111 h..l notified dircclly by ~hll P\!lln3ylvama l1om,;nl; Fir1fll1c~ AScney of ilS decision un y~~U( nppllclI.ti('\rl. NOTE: IF YOU A.l-lE C1TRRF.NTL Y 1"N.OTKcrro BY TAR FlUNG OF A PK'rlnON 1"" M..'1J..'RlJP'rCY, 'HIE FOLLOWING PART Of'THIS NOTICE IS FOR lNFORMATION I'UlU'OSES ONJ.Y A1'<1) SHOULD NOT BE CONST!l.UIill AS A!O/ ATTEMPT TO COU;F:CT THE DEBT, (.lfyolI bltVll' ril<<J OO.1lkrupt()' you ClIO .o;UIIIIPPb' ror 'F.mel"llency Mo"~ngc A.!IsiJwm:t:.) HOW TO C::URE YOUR MORTCAGE DEFAULT IBrin. it liD to date), NATURE Ol<''f.H~ OR'F>\iH,T - The MOl{TUACn dGbt h.:ld bythc :above loI:llder onyourprl.lpCrty l04.1ltCd;\l: - 7WnlnulScrcct. Newville. PA 1~41 15 SERIOUSLY h\l L)EFl\l1..T because: YOU HAVfi NOr NL~E MONTI.U.Y MORTGAGE PAYlv.G.NT~ fur the following mor\th."I and 11le following nmoum~ arc: now ptlSl dtK Momhly l':\ymCntS from 10'01100 to 01/01 (0 I totaling: L.!re<:hllr~t":i: Other fees and/or cu:sts (irlcluding NS}i chllr~.:> unci ptOf)o.::ny inspeclions): LE.<:;'S: UnsJ'l)Iied Fur:.d:s: TOT.'\L $ J.704.Z7 S 89,10 $ 15,50 17:l.11 S 2.736,69 HOW TO CURE THE LH~fl'Alrr.T - You :nay eur( lb,r:: Liduult within T"rilRTY (ol0) DAYS of \he: dllte: uf thi:>; NOlice BY PAYING THE TOTAL AMOlINTDUE 'ro l'HIl: LENDER. wrncl! IS S 2,136,69, ?1US A;'lY MORTGAGE }'AYMEN7S AND LATR CHARGRS WHICH BReOME DUELJUlUNC TI{F. THIRTY (30) DAY PER rOD. 'P'3vm.q'1t:l.m1L"-l h.:. mnoo either by cn'lh ,;II1(hiar>~ cr.l!ck ccniticd ehcclc.~Qr rot/MV IlnJ..rr ronde: navahlc snd smllSl: HomeComing. Flnond.l Network, P.O. Bo, 784Z6 Phoenix, AZ 8506Z-84Z6 OR OVERNIGHT TO: 2445 W. Dunlap Avenue, Suite 100 Phoenix, AZ H50:Z1-2803. .IF "onno NOT CUR~ 'J'UXDF.'FAUI.T -If you uonoLcU1r thl3det'"mlh within THIRTY (30) DAYS oriho d.1te 01 thj~ NOlic!::, thf' !eRl,h'r intends 10 C1XC'rci!lC' ill; ril!'ht tn :Kttl@flltelltflIl10rlent!f'debS This mean~ th.ll.t the cntln: out:lhmuing bl\l:mca or this debt will be conl'lidcrcd du~ immdilllcly tlOO you may !<l:'oC the crumec to pay Ihc mort~ge - ~ECErV~2 T:~~MAr ~; ~ : ~ 2 ?~![ ?~i~~' ~:lEMP.Y. in 4: 4 :'?'M '" < ~, ,J, " "--~ " , "'i"'-'.'iki '.' ". - in rnunlhly in3tl\lllncTlL'l, ]f fun pajmaIloC\hl: I.OLal amOUllI past due if not made: wllhin THIRTY (30) D^YS, tho lender aLll.llnlcndli tl.l in:;truct its aItnmcy to swt,leg:il aclion to foreclose u!,oI'l your mon5lSC:c ?rcpe.:'ty. TF mE )"10R'l'GA.GK IS rORF.c:r.rn;;m T.'PON - Tho:: mcr:g:.~ii:,d property tvill x ;'::'lld by t.'li: Sheriff Ie j:lSj' off tite monl:US'= debt. If the :I!ndcr rctCrn your CaBe 10 ills uuomey. but you cure tile delinquency b:i"ore the lender b.Wns legal proect::;1inSS 8&1inst you, you .will .uill be tcqujred to pay the rellSorutble UUot':l.ey's r.:os that wcrc :\CIU3lly incurn=d, up to S50.oo, How.wer, if ICSal proc~dings ure "JiJrted oenin$( ym., YClU will have to pay uU mlStmllbll: '1ttC)rncy'~ fees actually incuITed by lhelendGr, even if they ou:ccd S50.00 Any llll.orney'" foos WIll he added to !h::: amuunl you ow-a tho lender. which mllY also inclu.c.k \Ri\t)r l'C"-!l.l'"3bk COSlS. If vou curt" the derllult .nth'" the THIRTY au.))A. v I'M:ll'lod.. vnu will not 00 rcallir('d '0 ou\' I1ftnrnev's fee!.. OTHER LENDER RF.MmrF_~ - The \(:nJcr may aha sue YO\l pt"l'l'iuntllly fOf till:! unpaid principal balanl.'e anu all othet tiUUU due under the, motl'gugc. RIGHT TO (:URF. THJl; Dt:FAtJI.T FlUOR TO :;;n'f.TU'F'F'S S/\,LE -If you have fIll\ \:\In:;J 1.hu derR(llt wIthin tt.e THIH.TY (J()) DAY !"cri.:ld md fc:reclOOltr= procrlCtiing:s hav.! b.Jgun, "eu !still h4ve tnI"' ril"'hr [0 c.url! thIS dafnlllt ahd I')f'cvcntthe: ~al<: al any llml-un Tn Cln..l "nut before t1t_e_~tleriCr:~ Vnu ff'lM an !Ii'! ''IV mvin"'lh~.t91a(,amOl.lnl Then nn"t due Dlw~ any larc.or. otf,~r t:hflr.lfl~ tke1'l duo re.u.:lneble 9.(f9m~.~ f_",lInd CC'mE!: conl\ected. wtth the .r9J:I::F.lq:;U(l: ~Il'l iU',t1!Ullf other CcnL'l cormcC!.t.~ with.tho: ~h,~firrrc 3:\10.1' :\.'1 ~t'ceifkd in WIj,ung.~ [he Il'!nd~r And hv oeifClmlll\Q anv other rCClui!~rmr" under the mnrtll3li!e. CuriDR your dcfMul' in the nllInner ....r to1"lh In this Nolicc will rexlore your mortgage to the :iame position as if you had novor dofaulkd. EARLIEST PO~<e;rRr.F. SHEJUJo'jo"S SALE DATl'.: - It I~ c~Limatcd that !he curliest Uok thnt such a Sheriff's S:'llc o{tht mong.'ilgcu prl~n.y could he held WQuJd be: appmximMh'ly lit~(6) mnnthli (rom the dale of this Notin-. ^ nuli~ v"th..: ac:tual cl3tc ofthc Sherirr~ :)Al~ will he !I:..:nt to you bef"rc the :>ule, Oic~utsi3, thl! t\lnount needed to eure the cJ~fl\ult will increase the tonSCl' you wait.. t {lU mny find nUt .:11 :my time ex-setty 'Whu.~ lh~ ruquircd l":\ymrnt or nc:uon will be by GUnw<:lq lhllllenlkr. I.fOW TO CON"fACT THli LENIlF.R, - HomeComillgli l'inuntinl }JB1WCltk 2711 N. Haskell, ~uil.t" 900 Dallos, IX 75204 Attn: LOIm Coum~olin8 Dcpmmdlt Phone: 1-800-206-2901 EFFECT OF THE SHERlJ.'F'S SALE - You !>>hould. rt::alize that <l Sheriff, Sah", will end YClur ownership of Ihe mons:as=d property ~d you\" risht to occupy it. li" YU\I cunLinll': to Jiv.:: in the property llli.c:r the Shtriffs Sak, n lDwsl1ir to remove you and your furni:ohings nnd other nclonSing,a could be ~LUrt("d by the lender ac any time. ASSUMPTTON OF MON.'l'GAGE _ Yau r:1GY be able 10 sell or trun...ftr your hOlill: lO S buyer or umsfcn:c who will '3:>Sume lhoe. mOl't8ll8c debt, provided tha1 ~lllhe OiJt,.~t."nding payments, ~~;mu altomey';I; f.:l:..'l. and eo~ns are p::I,id prior ~o or i!t the :ml.e and thIn the other rcquiremC'nts t\f the! mot'tSDse :ire !:.:ui!;iid, YOLlMAy..I.'OHAVETHERl<.al'l', TO SoLL TIlL PROPERH TO OBT!\lN MONI;Y TO rAY OFF THE MORTGAGE DF13T OR TO BORROW MONEY FROM ANOTHER LeNDING INSTITv'TIOl> .0 PAY on' THIS DEBT TO HAVE nns Dlif'AULT CURlID AY .ANY TH!Rl) PARTY i\CTINO<1N YOUR BJiHALF, - ~2CE[VED ~[M~MA1. L:, < : ~ ~;' :i~ :nT TiMEMAY. 25, 4:43?M f l~ .,J,c -'. '. , - TO HAVE "HE MORTGAGe REST<111.F.D TO ,dE SAME POSITION AS IF NO DEl'AULT HAC OCCURRED. !l' YOU CURE THE DEFAULT (HOWEVF.R. YOU no NOT HA VB TIllS RIGHT TO CURFi: YOt.iR DEFAULT MORE:' .rH.A.N niPJ::E 'fTh.1ES n-J ;"iNY CAI.ENnAR YEARl' TO ASSERT THE NON'f;XISTBNCE OF A l)~l'AULT IN A'I'I FORECLOsURE PROCEEDiNG OR A.'1Y entER LAWSUIT lNSTl11.rrED uNDER THE MOKnJA(JE DOCUMENTS TO i\.~SF.RT ANY OTHER DEfE,NSE YOU BEUliVC YOU Mi\Y J-LWE Tn SliCH ACTION Jl Y 'tllli w>NDUR. TO SEliK PIWTG,'TION UNDER T!ffi FEDRRAL BA.'JKRL'l':'CY LAW, :'iincerel)', l..)&n c~''I....:linr. Dcpan.mml Enclo~u(c(8) Ll$lOf CouD-lOline ^gcnt:ic..'!: - ~ ;;r~!1rr~ ~'U~\JAV ;_=, .''-''oJ..,...... ........111.... _ , ,,,'''/' ....:...1," ,"'" k- ??:: 01T T I M~~~A:. ~ :', . ~. "-~-~-,~,_. .'. -~!,; 4: 4':::'i1 ;;iF .'. ".-" ,y'L. , >.,'"'.' , ~., ,.;.,<~" 'J -,) - .' 08-28-GO 09:11AM FRCM CAPSTEAD MASTER SVCG TO ~:8586~49102 2S7D cees orwemzm PA 215-& ColJep;~ PIa.a Jo~ IiA15U04 (814) 539..Q35 - 1; llWsg-Clillm.. Cillmt:ieOl ~..,;...;....For C4mmW1lq> A<::KtD (STEP) 23.38 Liz,oDIz, s_ ' P. O. ...1a28 ~ft,PAl7703 (5701328-0S8'7 FAX (510) 322-21ll~ coes ofNcm:beutem PA ___.. 2\l1,s.w. S~t ~ PAl7703 (S711)32lJ.;6627 FAX (510) 323-6i36 P007/017 STATEMENTS OF POLICY CLINTON COUNTY COOS of Nortbeastan:l PA 1631 S Alhan= S~ Suite 100 Sea", C4llep. PA 16801 (Sl~) 23&-3668 FAX (814) 23ll-31169 COLt1MBlA COtlNn' cces o{Wcm:h.:cl<I",... P=n:tv\v&llla 1400 ~ EucuU'Il! Park Suir.e 1 CIa:rll:I Summi= PA J.IHlU (570) 581-9163 or (SOO) 922.9531 FAX (570) 6117-913419135 31 Vf. Market Slae~ PCB 1127 W'llla!s-Ban-o. FA 1&702 (570) 8'Z1.0a37 or (aOOI 922-9537 FAX (570) 821.1785 COllUl:l.lBlliOD GIl EcollllmiCl Opponzmity oC r.-e CO",,;y llIlI AzIlber Lane Wllkes-Bazre. PA 18702 (6"701 _Ill or (aoo) 8:l2-QSSIl FAX (E7ll1829-1665-CALL BEFORE rAXINO ; ;70) "~'J~:s9-1. Wu:L':'ON' FAX (!nOI 455.563\,,--"" 1 liIEJ'OIl!: FAXING (5"10) 836-4090 'l"UNKHANNOCX - l3oaloet- 't W~ C-ter 1120 EIoI1uld Street: Eri.. PA 1&508 (814) 4S305764 FAt (814)453-8749 J.hn F. l!CeaD....y c...w. I:ac. 9021 East 20tIa Stnlet ' !:tie. PA 16510 (814) 891100400 FAX (814) 89s.1243 CCCS ofWeorem ~Ivlmia. lAc. 2000 T ;-WI...JIIIWD Boad ~PA17102 C7l71 541.1'757 1JrbaJo Leque o( Me=Dpilitlm Harrisburg N. alb S_ &msbU%1l. PA .L7101 (717) 236-S925 FAX (717) 2340-9459 Cmmmmity Actio.. c- of w. Capital ~an Ul14 Den'y Saee~ Hanisbui1r. PA 17104 (U7) 232-9'757 FAX (717) 234-2227 CRAWFORD COUNTY Greater Erie C=,.,.;;y Acl:i0fl C<lm.tlllt:ee 18 W_ tcl:r. S- Erio. P.A.16501 (814)46904511 FAX (814) 4S6-0161 ~ Van.., Un- t.e.egue. blc SOl '.,vH!!I."Ia,Avau l.....D. PA 161n (412) 981..Q310 ctlMlIERl..A1'm CO'l3N1'Y r;.....-::-=..t ea-....DH~, Services of'FmaJdizl 31 Wes;3Id. Street Wa!"Osbam. P.... 1 '72S8 (117) 762~28Il YWCA of Carlisle 301 G S-. c...li:sIs. PA 171113 mn 243-3218 FAX (717) 731.9589 Adams COWlty l:lousiDg A>&thority 139-143 Carlisle St GettYSbW'&'. PA 17325 (7111334-1518 FAX (717) 334-8Jl26 - PE!fH$Y1.YAI<l... IIUu.J.mlf. VOL. ~. /IC. Zl, JUNE 50 1998 , 2 : ~ 2 ?),;[ pm,; DEMAY, 26, " , ,1 -:',( ".;; ,~, ~~C2~~!ED !~MEMAY, 2~. ~~ .-' , ." _M , o t '_'~'.'~,""",' . ,-,,-, ',' ,~,_ ' ~""!l:l@ "1 ,'I" , ' . . ~ VERIFICATION I, LEON P. HALLER, ESQUIRE, Attorney for Homecomings Financial Network, Inc. verify that the statements made in the foregoing Complaint are true and correct based on information furnished by Homecomings Financial Network, Inc., servicing agent for BANK ONE NATIONAL ASSOCIATION, TRUSTEE. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. ~~# Leon P. Haller, Esquire Date: June 14,2001 ;". ~~~.~~ ' ~ ~ ,~ ~ ~l 'I .'1, ~'1'""""~, l ,,<" :'~ """', l~ll'-;f;JC-f ",0, .t;U.f,f[ JtlN /5 \.,- f.)~"'..' , . r- ~L.' i<!. '. ..... ! ~ 'I ~' " I -, ~<~, ~,. ""'=-"e''',", ..~-',~, _0_ ~=~"'- :;i!li!1'H~JiF1F , 1)'W~11I'Ir 'J T1 :^, " t('iI V J;~ i" i'j '...:,1 L ;' t\.j 1;\ .' ."m~Il~-IN'l!~%-w.;;:~~\',~~f,%,'f{"1Ih'j;:Wt''''''''''t'''~''''''''~ ..;,H~. ~,'H"'i:"f:F""W'''',~'T;;!!lw:''?,6.0;}G.l~';J!!1,,:';';<&'!';:'1tS'~1,'';j'j';;''''l~P'N1W,~~~;r,ii1i1i!'Bfl!l~i!' ,~ "_"""",,,,,,,,,",,,~F"C~~ ~ , """ ~""~-'-' ~ STATE OF PENNSYLVANIA, COUNTY OF CUMBERLAND } 55. Robert P Ziegler I, ______________________________________________________________________________Recorderof Deeds in and for said County and State do 'hereby cenify that the Sheriffs Deed in which ________________ llaNKOne N A Tr --_________________________.________________________________________________________ u thegr.lntee the same having been sold to said grantee on the ____~:~_______________________________________ day of Dee .01.. ________________________________________ A. D., ' _____, under and by v.nue of a wnL_____________ Execution . 12th ________________ _________________________ _ _ ___ __ ISSUed on the ___ ___ ____ ______ __ ____ ____ __ __ ____ ___ Sept day of __________________________ A. D., Civil -------------------------- ----.,. ----___ --______ -- -- _______ _________ ____ ____ ____ ___ Tenn, : 3694 BAnkONe Natl Assoe Tr Number ______________, at the suit of _______________________________________________________________ 01 _____, out of the Court of Comman Pleas of said County'as of 01 . Bobby Kendall __________________ __________ __... ____ agalDst_ ___ _ _ __ ____________________________________________ is 249 ' 3646 duly recorded in Sheriffs Deed Book No. ____________, Page ____________. IN TESTIMONY WHEREOF, I have hereunto -tl set my hand and seal of said office this _J~______ day of __12 ___ Deeds Recorder of Deeds. ~~ CQunIy. e:r::L II, eommisSiOl1 E~res UN "... MonI\Q, ' -- Uiil . ,--~ .ij~' """"-"'"-~ "~- . "-, ". .J;.' -~ ~~~' --, ~~4}L' , Bankone, National Association, Trustee VS Bobby Kendall In The Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2001-3694 Civil Term Kenneth E. Gossert, Deputy Sheriff, who being duly sworn according to law, stat~s that on Sept. 24, 2001 at 7:55 o'clock P.M., E.D.S.T., he served a true copy ofthe with1n Real Estate Writ, Notice, and Description, in the above entitled action, upon the within named defendant, to wit: Bobby Kendall, by making known unto D. Myers, care~aker and adult in charge, at 776 Baltimore Pike, Gardners, Pennsylvania, its contents and at the same time handing to him personally the said true attested copy of the same. Timothy Reitz, Deputy Sheriff, who being duly sworn according to law, states that on Oct. 03,2001 at 8:15 P.M., E.D.S.T., he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Bobby Kendall, located at 7 Walnut Street, Newville, Pennsylvania, according to law. R. Thomas Kline, Sheriff, who being duly sworn according to law says he served the a:bove Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to one of the within named defendants to wit: Bobby Kendall, by regular mail to his last known address of 776 Baltimore Pike, Gardners, P A 17324. This letter was mailed under the date of October 8, 2001 and never retumed to the Sheriff s Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, says that after due and legal notice had been given according to law, exposed the within described premises at public venue or outcry at the Court House, Carlisle, Cumberland County, Pennsylvania on December 5, 2001 at 10:00 o'clock A.M., EST. He sold the same for the sum of$1.00 to Attorney Leon P. Haller for BankOne, National Association, Trustee. It being the highest bid and best price received for the same, BankOne, National Association, Trustee of 9275 Sky Park Court, Third Floor, San Diego, CA 95815, being the buyer in this execution paid SheriffR. Thomas Kline the sum of$863.38, it being costs. Sheriff s Costs: Docketing Poundage Posting Bills Advertising Acknowledging Deed Auctioneer Law Library Prothonotary Mileage Levy Surcharge Law Journal Patriot News Certified Mail $30.00 16.93 15.00 15.00 30.00 10.00 .50 1.00 17.55 15.00 30.00 330.50 272.28 2.46 ._~.~ ~ ~ ~ ,"' ",- .~ ".~"~ Share of Bills Distribution of Proceeds Sheriffs Deed .. , 25.66 25.00 26.50 $863.38 pd by atty. .1,1&0.:..:1 ~~;'","",,"'.' I LiiiJa" Ii:"~~ _J;i Sworn and subscribed to before me So Answers: This~daYOf9"""r r~~-t:~ '"1 '_, .. R. Thomas Kline, Sheriff 200J,A.D. ~fu~~~~ ilJ.,J't1,.o,~ \' .., n By80d..L{~ R al Estate Deputy /~ 7.0'uJ J 1'fP . U<.. 361>90 ~ /;10 '1f3 ,~, , '~1 ml&1l~~' i BANKONE, NATIONAL ASSOCIATION, TRUSTEE, PLAINTIFF IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA VS. BOBBY KENDALL, DEFENDANT CIVIL ACTION - LAW NO. 2001 3694 IN MORTGAGE FORECLOSURE AFFIDAVIT PURSUANT TO P.R.C.P. 3129.1 The Plaintiff in the a~ove action, by its attorneys, Purcell, Krug & Haller, sets forth as of the date the praecipe for the writ of execution was filed, the following information ~oncerning the real property located at 7 WALNUT STREET, NEWVILLE, PA 17241: 1. Name and address of the Owner(s) or Reputed Owner(s) : Bobby Kendall a/k/a Bobbie Kendall 776 Baltimore Pike Gardners, PA 17324-9010 Bobby Kendall a/k/a Bobbie Kendall 7 Walnut Street Newville, PA 17241 2, Name and address of Defendant (s) in the Judgment, if different from that listed in (1) above: SAME 3. Name and address of every judgment creditor whose judgment appears of record on the real property to be sold: 4. Name and address of last recorded holder of every mortgage of record: PLAINTIFF HEREIN (AND ANY OTHERS AS NOTED BELOW) 5, Name and address of every other person who has any record lien on the property: UNKNOWN 6, interest sale: Name and address of every other person who has any record in the property and whose interest may be affected by the UNKNOWN .~". - -"", " ~ J "" "~ ~ :!:"'-"illl'i'll~1 c, r 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: TENANTS IF ANY ... Domestic Relations Office Cumberland County Courthouse Hanover & High Streets Carlisle, PA 17013 (In the preceding information, where addreSS6S could not be reasonably ascertained, the same is indicated.) 1 verify that the statements made in this Affidavit are true and correct to the best of my personal knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 PA C.S. Section 4904 relating~o unsworn falsification to authorities. /// /,~./" /::'~-:7 .__ c,/ ,/ // /'// ,---- "/ Leon P. Haller PA I.D. #15700 Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 DATE: September 10, 2001 " .-1 "'''" '1' ~""1t'i' !li~,!ii~' I , BANKONE, NATIONAL ASSOCIATION, TRUSTEE, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PLAINTIFF VS. BOBBY KENDALL, DEFENDANT CIVIL ACTION - LAW NO. 2001 3694 IN MORTGAGE FORECLOSURE NOTICE OF SHERIFF'S SALE OF REAL ESTATE PURSUANT TO PENNSYLVANIA RULE OF CIVIL PROCEDURE 3129 TAKE NOTICE: That the Sheriff's Sale of Real Property (real estate) will be held: DATE: WEDNESDAY, DECEMBER 5, 2001 TIME: 10:00 O'clock A.M. LOCATION: Commissioner's Hearing Room 2nd Floor Cumberland County Courthouse Carlisle, Pennsylvania 17013 THE PROPERTY TO BE SOLD is delineated in detail in a legal description, mainly consisting of a statement of the measured boundaries of the property, together with a brief mention of the buildings and any other major improvements erected on the land. (SEE DESCRIPTION ATTACHED) THE LOCATION of your property to be sold is: 7 WALNUT STREET NEWVILLE CUMBERLAND COUNTY PENNSYLVANIA THE JUDGMENT under or pursuant to which your property is being sold is docketed in the within Commonwealth and County to: NO. 2001 3694 THE NAME(S) OF THE OWNER(S) OR REPUTED OWNERS of this property is: BOBBY KENDALL A/K/A BOBBIE KENDALL A SCHEDULE OF DISTRIBUTION, being a list of the persons and/or . "', ~, .. ~ , ~~ -"-0 .' ~-"~ -,'-l / governmental or corporate entities or agencies being entitled to recei ve part of the proceeds of the sale received and to be disbursed by the Sheriff (for example, to banks that hold mortgages and municipalities that are owed taxes) will be filed by the Sheriff of this County thirty (30) days after the sale and distribution of the proceeds of sale in accordance with this schedule will, in fact, be made unless someone objects by filing exceptions to it within ten (10) days of the date it is filed. Information about the Schedule of Distribution may be obtained from the Sheriff of the Court of Common Pleas of the within County at the Courthouse address qpecified herein. THIS PAPER IS A NOTICE OF THE TIME AND PLACE 'OF THE SALE OF YOUR PROPERTY. IT HAS BEEN ISSUED BECAUSE THERE IS A JUDGMENT AGAINST YOU. IT MAY CAUSE YOUR PROPERTY TO BE HELD, TO BE SOLD OR TAKEN TO PAY THE JUDGMENT. You may have legal rights to prevent your property from being taken away. A lawyer can advise you more specifically of these rights. If you wish to exercise your rights, YOU MUST ACT PROMPTLY. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET FREE LEGAL ADVICE: Cumberland County Bar Association 2 Liberty Avenue Carlisle, Pennsylvania 17013 717-249-3166 Legal Services, Inc. 8 Irvine Row Carlisle, PA 17013 717-243-9400 THE LEGAL RIGHTS YOU MAY HAVE ARE: 1. You may file a petition with the Court of Common Pleas of the within County to open the judgment if you have a meritorious defense against the person or company that has entered judgment against you. You may also file an petition with the same Court if you are aware of a legal defect in the obligation or the procedure used against you. 2. After the Sheriff's Sale you may file a petition with the Court of Common Fleas of the within County to set aside the sale for a grossly inadequate price or for other proper cause. This petition MUST BE FILED BEFORE THE SHERIFF'S DEED IS DELIVERED. ;;:- . > ".. "~ ~ " , ~ ~ ~-~ =~-- '~ . ...~~. "W('Ulil:tl'!illlW';, , I 3. A petition or petitions raising the legal issues or rights mentioned in the preceding paragraphs must be presented to the Court of Common Pleas of the within County. The petition must be served on the attorney for the creditor or on the creditor before presentation to the court and a proposed order or rule must be attached to the petition. If a specific return date is desired, such date must be obtained from the Court Administrator's Office - Civil Division, of the within County Courthouse, before a presentation of the petition to the Court. A copy of the Writ of 'Execution is attached hereto. PURCELL, KRUG & HALLER Attorneys for Plaintiff 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 :r~~" ,," "' -~~ -~~"... Jl'O..--J.-,, . - IDjt'"..,,~.;;. ALL THAT CERTAIN parcel of land situate in the Borough of NeWville, Cumberland County, Pennsylvania, bounded and described as follows: TRACT NO. I BEGINNING at a post in the line of land now or formerly of Harry J. Shenk; thence by said lot South 8 degrees east 86 feet 10 inches 'to the line of Walnut Street; thence on the line of Walnut Street, South 71 3/4 degrees west 50 feet to the corner of Walnut Street and Buchanan Streets; thence by the line of Buchanan Street, North 8 degrees west 109 feet 4 inches to a post at a corner of lands now or formerly of Harry J. Shenk; thence by said lot North 82 degrees east 44 feet to a point the Place of BEGINNING. TRACT NO.2 BEGINNING at a point on the line of Buchanan Street at the northwestern corner of'Tract No. I herein; thence by the line of Buchanan Street, North 8 degrees west 8 feet; thence by the line of property of Kalbach Estate, North 82 degrees east 44 feet to a corner; thence by the same South 8 degrees east 8 feet to the line of Tract No.1; thence by the line of Tract Nd. I South 82 degrees west 44 feet to the place of BEGINNING. Containing 352 square feet. HAVING THEREON ERECTED A two story frame dwelling house known as 7 Walnut Street, Newville, PA. BEING THE SAME PREMISES WHICH Harold J. Barrick and Grace A. Barrick, his wife, by deed dated 9/15/72 and recorded 9/19/72 ln Deed Book U-24 Page 1072 granted and conveyed unto Bobble Kendall and Louise Kendall, his wife. The said Louise Kendall is deceased and title vests in Bobbie Kendall by operation of law. TO BE SOLD AS THE PROPERTY OF BOBBY KENDALL (A/K/A BOBBIE KENDALL) ON JUDGMENT NO. 2001 3694 ASSESSMENT: 28-21-0361-101 K:\MKF\DOCS\CUMBERlA\KENDAlL.OES SC~\ ~~'~ ..~'~.L. ~ ~ ~ ...,"""" .....L.. ,", ~ ';t!j~~ WRIT OF EXECUTION"and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO, 01 - ,fi94 CIVIL J(ll TERM CIVIL ACTION - LAW TO THE SHERIFF OF Cumberland COUNTY: To satisfy the debt, interest and costs due Bankone, National Association. Trustee PLAINTIFF{S) from Bobby Kendall, 776 Baltimore Pike. Gardners. PA 17342-9010 , 7 Walnut Street, Np.wville. PA 17241 DEFENDANT(S) (1) You are directed to levy upon the property of the defendant(s) and to sell See Legal Description (2) You are also directed to at1ach the property of the defendant(s) not levied upon in th,!i poSsession of GARNISHEE(S) as follows: and to notffy the garnishee(s) that: (a) an attachment has been issued; (b) the garni~hee(s) is/are !injoined 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 po~session of anyoneother than a named garnishee, you are directed to notify hirnlherthat helshe has been added as agamishee and is enjoined as above stated, Amount Due $71.170.35 at $18.92 per diem to sale date Interest $' 3. ",$1 04 Atty's Comm % Atty Paid $129.65 Plaintiff Paid L.L. $.50 Due Prothy $1. 00 Other Costs Late charges at $29.70, per month to sale date $148.50 -- Escrow Deficit $2,000. Date: September 12, 2001 Curtis R. Long Prothonotary, Civil Division l2L- ,a 0"" " P. ~/)~~/ Deputy REQUESTING PARTY: Name Leon P. Haller, Esq. Addrnss: 1719 North Front Street Harrisburq, PA 17102 At10rney lor: _Pl'ainiiff Telephone: 717-214-4178 Supreme Court ID No, 15700 ~~~m~t~~~~~~~~t1*~j1\.i~~~i'~~~i4ntiril~~~U~~~~Mjj;.j~~~" ',. JjibJz;L~~C"' <'-"_I ,. . 'REAl ESTATE SALE N'o. L{g' On September 18,2001, the sherifflevied upon the defendant's interest in the real property situated in Borough of Newville, Cumberland County, PA, known and numbered as 7 Walnut Street, Newville, and more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: September 18,2001 By: c:iMJ II S~ Re~1&I:ate Deputy -' \,-- ,,:'')d C \il \S ~\ \'0' " , ~~\\i'~s ,)1" ~~\\I:: t\ ~1) ,,'" ','\rI-\-.J "^\~~() ::,l'! .= "~~~, ,,"'" ", " ,~"" ", = .'. ",'"~,,, ,.', ,," ," ,~~ ,C<" @.i) ~ ct1i1 c:::::.::J Gi> GW _ ,J,~ (~~' ~ .~, "' b' ~~ ~ ~~ , , it I; .u~,~ ~- '0 1l1~'~'<OI tUH~>:iJ,,\', 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 James L. Clark being duly sworn according to law, deposes and says: That he is the Acounts Receivable Manager 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 The Sundav Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and!or Sunday! Metro editions which appeared on the 23rd and 30th day(s) of October and the 6th day(s) of November 2001. That neither he nor 'said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in :::,:::::'~ m 0... '" '"' ro"'":": O','I'"":..::'::"""'m COpy Sworn to an SIJ scn e e 19th day, f No ber 2001 A.D, ota 81 seal S ALE #41'1 Terry L. Russell, Notary Public , Harrisburg, Dauphin County My Commisslon,Exp... Juna 6, ~OO2 Member, Pennsylvania ASSOClatiOn or NotarieS My commission expires June 6, 2002 CUMBERLAND COUNlY SHERIFFS OFFICE CUMBERLAND COUNlY COUR1HOUSE CARLISLE, PA. 17013 Statement of Advertising Costs To THE PATRIOT-NEWS CO., Dr. For publishing the notice or publication attached hereto on the above stated dates $ Probating same Notary Fee(s) $ Total $ 270.78 1.50 272.28 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.........,.,.,.........................................,."......... . , "Rl:.AL ESTPJ"E 5,A1.,I;"No;'43 Writ No, 2001-3694 "'", ',',',"" "CIvlITerm :::eankQn.e, National Association. Tru$tee .. Qooby !(emlall i',' ,',,' ,Atty:Leon p, Heller l.iEsCRiP.tlON, r~U",:'.rMf CERTAIN,p-J.ITei lif land s'itua1e'in t~: Boro~lgh ot'. Nnv.UJe. Cumberiatld, C~1J:ItY, l'~ns.ylvanja,. bouJ'lr.ro and de.'\(:nheri as \IJHow~; ',ti\ACTNO.,(: BHltN1\1NGatapostin the lin~ i:Ii::Jaml now Qr ~:m:ntrly ut Harry J. Shenk,: t~-ll(:e i'iy ~ajd lor-;'mllh II degreec< t;ij,~I1if:l t~ 10 m~'hc~,l(1 Jh~"lin~ of Walnut Street; tbcnce illl the ltiiC:,"I',^,<I(l1utStreet,Snufh"/13!4.e~VIC,)t '5jJ:,)d'UiJ the \':tlnJ-ey 'of' Walnut ,mrrd iltid ,a'iic:hanati Streets: thence 11'.. the line of Buchanan S~I. NQrth 8 d~gfee:~:;'i't,;i 109 fert 4 iricKe.~ to i::J~is! ,aU ,\,,'(I!1)er of lands ni~' 1;1t lormcrly of ',B:~ 1. ,Shenk; t~,ence,hy .-ald lot Nqrfu '82 ,~t-NN1~~h~,kd to,ltllDm! the Plac~ of ),j;y.f.:r NO. ,2; BEQtNNING ~~ a pOint nl). th~ Hik of' 1l1tchanau Street' ~1Jl ,tlw" at the J~""'C;itc\11 eciri1c(of,Tmct Net L heIcin~ thence ti,tJne lme, o( BucnanalJ Strecl~ NarthK degree-;, ~r.8 feet; thcnci:,b'r the nn~,ofpr(lj)L'rty of J~bach E~late, North k2 de~,rec" r.'-$.!.j4 fed to a t.i!PJer; then~e b,~ jbc -sa'1J1e SDuih K dc~w;!. e,~t ~ i~,t f~' the line ~1f frat! NQ. 1: thence h~ the i1!1t' 'Qi::Tril~t 1\0: '] S'Ju1h,g,l,d~grct;:n';1~t 44 feel to tri~::" place of Bf.ll1NN1NG. C',ln,Ullniog, "551 :~yu~re feel, F1~1NG lhereoti e,t;cred a two :;tar'! frame i\:WiOin,g house :~:n<:1W!1 i1~ 7 Walm!{ 'Sire,d, ti~::"('I,\jk~ PA. ~~WG the S.'il1l7 'prem[sti which 'HamId J ~ck a.,ld Grac.e.,.'\. Ifal'l1<:K" Ins. -''Jue, h duO ,-Iil(~ 'l!J..~n2, 11ll\! re','ntded 9!1.9n2 in' De.ed ll'i'jik 1]-7.4 Paf~ tun granted mid cOnVe~"ed nol0 ,B.i;moie. .Kendlllt ,and L,o,u~c KendalL his 1'I,1/i;;. '1:tiC .<:C\.id Louise K1:lldall i~ d('/.:~4sed afld t.ltle ',if.its In Bobbie'KclldaO by utJct'clllon i>Y law. 1~(}.,B',:< ,SO,LD- a~ the rn,' lpe, rty ,ni,', ""nbbLKendall 1~'k1l! Boblnc Kendall) on JulfumenL No, 200t "'~~q-,t, , ''''' ", ,_'"ti!&6')'9M~~T:...-:'\!t'll,jl~61.10L_ ~ ';"l' ,I I" ii J ", ~,' .~ '~... 4 ~jf"."u~,;~", PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. 1.1784 STATEOFPENNSYLVANIA : ss. COUNTY OF CUMBERLAND : Roger M. Morgenthal, 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, viz: October 12, 19,26,2001 Mfiant 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. RO~ SWORN TO AND SUBSCRIBED before me this 26 day of OCTOBER. 2001 NOTARIAlS Public LOIS E. SNYDER.= Couoly CatIlsIe Bore. cum 5 2005 My Comn\iI8lOn Expires March . Ii"' 'l~'''i'1iBi'''Y'':''''J.!lW~~M51~~_~1€0'1-.'i!!dij'~'''~;:[.61",:rr~~~~r ~ ~'."~fX)r~iIJ~n!~'!ll.t~l1"}'\)~;~' ,,~ ''''~~~~: ~' ~ i !'I :'1 [Ii !,~: ',', iii 'i;i ~ I ,I IrI 11 II II I( [I ,I ii I' U i 'I I ~ j I REAL ESTATE SAIiI!: NO. 48 '~ Writ No. 2001-3694 Civil Bankone, National Association, Trustee vs, Bobby Kendall Atty.: Leon P. Haller ALL THAT CERTAIN parcel of land situate in the Borough of New- ville, Cumberland County, Pennsyl- vania, bounded and described as follows: TRACT NO. I BEGINNING at a post in the line of land now or for- merly of Harry J. Shenk: thence by said lot South 8 degrees east 86 feet 10 inches to the line of Walnut Street: thence on the line of Walnut Street, South 71 3/4 degrees west 50 feet to the corner of Walnut Street and Buchanan Streets; thence by the line of Buchanan Street, North 8 degrees west 109 feet 4 mches to a post at a comer of lands now or formerly of Harry J. Shenk: thence by said lot North 82 degrees east 44 feet to a pomt the Place of BEGINNING. TRACT NO. 2 BEGINNING at a pomt on the line of Buchanan Street at the northwestern comer of Tract No. 1 herem: thence by the line of Buchanan Street, North 8 degrees west 8 feet; thence by the line of property of Kalbach Estate, North 82 degrees east 44 feet to a comer; thence by the same South 8 degrees east 8 feet to the line of Tract No. I; thence by the line of Tract No, I South 82 degrees west 44 feet to the place of BEGINNING. Contain- ing 352 square feet. HAVING THEREON ERECTED A two story frame dwelling house known as 7 Walnut Street, Newville, PA. BEING THE SAME PREMISES WHICH Harold J. Barrick and Grace A. Barrick, his wife, by deed dated 9/15/72 and recorded 9/19/ 72 in Deed Book U-24 Page 1072 granted and conveyed unto Bobbie Kendall and Louise Kendall, his wife. The said Louise Kendall Is deceased and title vests m Bobbie Kendall by operation of law. TO BE SOLD AS THE PROP- ERIY OF BOBBY KENDALL (A/K/ A BOBBlE KENDALL) ON JUDGMENT NO, 200 I 3694. ASSESSMENT: 28-21-0361-101. ^~~~ ".~O~~~"~'" , ., -- _" '~e~ ~~, =~_, ","'