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FEDERMAN AND PHELAN, LLP
By: FRANK FEDERMAN, ESQUIRE
IDENTIFICATION NO. 12248
ONE PENN CENTER AT SUBURBAN STATION
1617 JOHNF. KENNEDY BOULEVARD
SUITE 1400
PHILADELPHIA, PA 19103-1814
(215) 563-7000
WASHINGTON MUTUAL HOME LOANS, INC.,
F/K/A PNC MORTGAGE CORP. OF AMERICA
539 SOUTH 4TH STREET
LOUISVILLE, KY 40202
ATTORNEY FOR PLAINTIFF
COURT OF COMMON PLEAS
CIVIL DIVISION
TERM
Plaintiff
v.
NO. 01 - .].tJ'f
Clo\l'--r~
CUMBERLAND COUNTY
RANDY L. LAWRENCE
234 FOX DRIVE
MECHANICSBURG, PA 17055
Defendant( s)
CIVIL ACTION - LAW
COMPLAINT IN MORTGAGE FORECLOSURE
NOTICE
"TillS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY
RECEIVED A DISCHARGE IN BANKRUPTCY AND TillS DEBT WAS NOT REAFFIRMED, TillS
CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT
A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY. "
You have been sued in Court. If you wish to defend against the claims set forth in the following
pages, you must take action within twenty (20) days after this Complaint and Notice are served,
by entering a written appearance personally or by attorney and filing in writing with the court
your defenses or objections to the claims set forth against you. You are warned that if you fail to
do so the case may proceed without you and a judgment may be entered against you by the court
without further notice for any money claimed in the Complaint or for any other claim or relief
requested by the Plaintiff. You may lose money or property or other rights important to you.
YOU SHOULD TAKE TIllS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY
CUMBERLAND COUNTY BAR ASSOCIATION
2 LIBERTY AVENUE
CARLISLE, P A 17013
(717) 249c3l66
Loan #: 0092447893
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IF TillS IS THE FIRST NOTICE THAT YOU HAVE
RECEIVED FROM TillS OFFICE, BE ADVISED THAT:
PURSUANT TO THE FAIR DEBT COLLECTIONu-_u---
PRACTICES ACT, 15 U.S.C. ~ 1692 et seq. (1977),
DEFENDANT(S) MAY DISPUTE THE VALIDITY OF
THE DEBT OR ANY PORTION THEREOF. IF
DEFENDANT(S) DO SO IN WRITING WITHIN
THIRTY (30) DAYS OF RECEIPT OF THIS
PLEADING, COUNSEL FOR PLAINTIFF WILL
OBTAIN AND PROVIDE DEFENDANT(S) WITH
WRITTEN VERIFICATION THEREOF;
OTHERWISE, THE DEBT WILL BE ASSUMED TO
BE VALID. LIKEWISE, IF REQUESTED WITHIN
THIRTY (30) DAYS OF RECEIPT OF THIS
PLEADING, COUNSEL FOR PLAINTIFF WILL
SEND DEFENDANT(S) THE NAME AND ADDRESS
OF THE ORIGINAL CREDITOR, IF DIFFERENT
FROM ABOVE.
THE LAW DOES NOT REQUIRE US TO WAIT
UNTIL THE END OF THE THIRTY (30) DAY
PERIOD FOLLOWING FIRST CONTACT WITH
YOU BEFORE SUING YOU TO COLLECT THIS
DEBT. EVEN THOUGH THE LAW PROVIDES
THAT YOUR ANSWER TO THIS COMPLAINT IS
TO BE FILED IN THIS ACTION WITHIN TWENTY
(20) DAYS, YOU MAY OBTAIN AN EXTENSION OF
THAT TIME. FURTHERMORE, NO REQUEST
WILL BE MADE TO THE COURT FOR A
JUDGMENT UNTIL THE EXPIRATION OF THIRTY
(30) DAYS AFTER YOU HAVE RECEIVED THIS
COMPLAINT. HOWEVER, IF YOU REQUEST
PROOF OF THE DEBT OR THE NAME AND
ADDRESS OF THE ORIGINAL CREDITOR WITHIN
THE THIRTY (30) DAY PERIOD THAT BEGINS
UPON YOUR RECEIPT OF THIS COMPLAINT,
THE LAW REQUIRES US TO CEASE OUR
EFFORTS (THROUGH LITIGATION OR
OTHERWISE) TO COLLECT THE DEBT UNTIL
WE MAIL THE REQUESTED INFORMATION TO
YOU. YOU SHOULD CONSULT AN ATTORNEY
FOR ADVICE CONCERNING YOUR RIGHTS AND
OBLIGATIONS IN THIS SUIT.
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1. Plaintiff is
WASHINGTON MUTUAL HOME LOANS, INC.,
FfKlA PNC MORTGAGE CORP. OF AMERICA
539 SOUTH 4TH STREET
LOUISVILLE, KY 40202
2. The name(s) and last known address(es) of the Defendant(s) are:
RANDY L. LAWRENCE
234 FOX DRNE
MECHANICSBURG, PA 17055
who is/are the mortgagor(s) and real owner(s) of the property hereinafter described.
3. On 9/16/97 mortgagor(s) made, executed and delivered a mortgage upon the premises
hereinafter described to PLAINTIFF which mortgage is recorded in the Office of the
Recorder of CUMBERLAND County, in Mortgage Book No. 1405, Page 727.
4. The premises subject to said mortgage is described as attached.
5. The mortgage is in default because monthly payments of principal and interest upon said
mortgage due 2/1/01 and each month thereafter are due and unpaid, and by the terms of
said mortgage, upon failure of mortgagor to make such payments after a date specified by
written notice sent to Mortgagor, the entire principal balance and all interest due thereon
are collectible forthwith. A copy of such notice is attached as Exhibit "A."
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6. The following amounts are due on the mortgage:
Principal Balance
Interest
1/1/0 I through 6/1/01
(Per Diem $42,59)
Attorney's Fees
Cumulative Late Charges
9/16/97 to 6/1/01
Cost of Suit and Title Search
Subtotal
$197,395.63
6,473.68
4,000.00
295.24
550.00
$208,714.55
Escrow
Credit
Deficit
Subtotal
50.71
0.00
($ 50.71)
TOTAL
$208,663.84
7. 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.
8. This action does not come under Act 6 of 1974 because the original mortgage amount
exceeds $50,000.00.
9. The Combined Notice has been sent to the Defendant(s) by regular and certified mail as
required by 35 P.S, ~1680.403c on the date(s) set forth in the true and correct copy of
such notice( s) attached hereto as Exhibit" A."
10. The Temporary Stay as provided by the Homeowner's Emergency Mortgage Assistance
Program, Act 91 of 1983, has terminated because either:
(i.) Defendant(s) have failed to meet with the Plaintiff or an authorized Credit
Counseling Agency in accordance with Plaintiffs written Notice to Defendants,
a true and correct copy of which is attached hereto as Exhibit "A"; or
(ii.) Defendant(s) application for assistance has been rejected by the Pennsylvania
Housing Finance Agency.
WHEREFORE, PLAINTIFF demands an in rem Judgment against the Defendant(s) in the sum of
$208,663.84, together with interest from 6/1/01 at the rate of $42.59 per diem to the date of
Judgment, and other costs and charges collectible under the mortgage and for the foreclosure and
sale of the mortgaged property.
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Isl Frank Federman
FRANK FEDERMAN, ESQUIRE
Attorney for Plaintiff
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BS701-C1st
April 08, 2001
Randy L Lawrence
234 Fox Drive
Mechanicsburg PA 17055-2515
RE: LOAN NUMBER: 0092447893
PROPERTY ADDRESS: 234 Fox Drive
Mechanicsburg PA 17055-25
Current Servicer: Washington Mutual
539 S 4th Avenue
Louisville, KY 40202
AGENCY ACTION -- Available funds for emergency mortgage assistance are
very limited. They will be disbursed by the Agency under the eligibility
criteria established by the Act. The Pennsylvania Housing Finance Agency
has sixty (60) days to make a decision after it receives your
application. During that time, no foreclosure proceedings will be
pursued against you if you have met the time requirements set forth
above. You will be notified directly by the Pennsylvania Housing Finance
Agency of its decision on your application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN
BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION
PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE
DEBT.
(If you have filed bankruptcy you can still apply for Emergency Mortgage
Assistance. )
HOW TO CURE YOUR MORTGAGE DEFAULT (Brinq it up to date) .
NATURE OF THE DEFAULT --The MORTGAGE debt held by the above lender on
your property located at: 234 Fox Drive
Mechanicsburg PA 17055-2515
IS SERIOUSLY IN DEFAULT because:
As of 04-04-01 YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the
following months and the following amounts are past due:
Payments from 02-01-01 through 04-04-01
* PAYMENT AMOUNT 1,740.99
* PAYMENTS NOW DUE 3
* LATE CHARGES 147.62
* RETURN CHECK CHARGE .00
* OTHER FEES .00
* LESS UNAPPLIED FUNDS .00
TOTAL AMOUNT PAST DUE:
5,370.59
HOW TO CURE THE DEFAULT --You may cure the default within THIRTY (30)
DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO
THE LENDER, WHICH IS $ 5,370.59, PLUS ANY MORTGAGE PAYMENTS
AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD.
Payments must be made either by cash, cashier's check, certified check or
money order made payable and sent,to: w~shington Mut~al Home Loan,Inc.
ATTN: Cash Services Dept, 75 N Falrway Drlve, Vernon Hllls, IL 60061.
EXHiBiT A
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.. ,ACT 91 NOTICE
TAKE ACTION TO SA VE
YOUR BONIE FRONI
FORECLOSURE
~his .is an official ~otk~ that the ~ortl!a~e on your home is in default. and the lender intends to foredose.
)oeclfic informari~,n about'tlii! natu" of the defauilt i:s orovidedin the attached oa2es.
The HOMEOWNER'S MORTGAGE ASSIST.~"'CE PROGRA.M: ffiEMAP) may be able to helD to save
your bome. This Notice e:Xt)lains bow the or02nm works,
To se<e if HEX~ caD bei~.. ~ou must ~iEET "''TI'H 'A. CONStr:\:fER CREDIT COtTN"ltT' l~l: ~t:l:"~rv
WlTHIN 30 DArrS OF THE DATI OF TijIS NOTICE. Take this "IIotice with you ''':b;;~-o; ~~;t-~i;b-
~ the Couttselin2 A2encY.
The oame. address aod obone 11ulmbe!' of Con:su~er Credit Counseliul! A2encies serviu2 your Coulltv are
listed at the end df thi~Norice. If!vou ban anv auestions. yOU mav caU the PenDsvlvania Housiu2' FinaDce
A2encY toll free at 1-800-342.2397.(Penoos .with imDaired beam2 can call (717) 780-1869).
This Notia contains important legal information. If you have any questions. rep",entarives at the
Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an
w~_
attorney in your area. The loal bar assocIation may be able to l1elp you fInd a lawyer.
LA NOTIF1CAC10N EN ADJUNTO ES DE SUMA L"IPORTANClA, PUES AFECTA SU DERECHO
A C01''fTI~1JAR V1VlENDO EN SU CASA. 51 NO COMPRENDE EL CONTE:'oIlDO DE ESTA
'-';OTIFlCACION OBTENGA. UNA TRADUCC10N INMEDITA..~NTE LUu"l.\NDO ESTA
AGENCIA (PENNSYL V Ai~lA . HOUSING FINAi~CE AGENCY) SIN CARGOS AL N1:~tERO
:'vlENClONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTA-\10 POR EL PROGR.\M..A
LL~"IADO "HOMEOW'NER'S EMERGENCY MORTGAGE ASSISTA."lCE PROGRA\1" EL CUAL
PLEDE SAL V.~ SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HlPOTECA.
HOMEOWNER'S E~IERGENCY MORTGAGE ASSISTA,~CE PROGR.\~I
YOl::'vIA Y BE ELIGIBLE FOR FINANCIAL ASSISTA:-lCE WHICH CAN SA'/E YOUR HOME
FROM FORECLOSt'RE "'-."ID HELP YOU MAKE FUTURE MORTGAGE PA ntE:"ITS
IF YOl COMPLY WITH THE PROVISIONS OF' THE HOMEOWNER'S DIERGE:'iCY MORTGAGE ..\SSISTA:KE
"CT OF 198J (THE "ACT"), YOI: ,...... Y BE ELlGIBLE FOR DIERGE:'iCY MORTGAGE ASSISTA:'iCE:
IF YOI:R DEF...n T HAS BED CAUSED BY CIRCtiMSTA;-fCES BEYOND YOUR CONTROL,
IF YOl: HAVE A RE."SOI'lABLE PROSPECT OF BEING ABLE TO PAY YOUR :'<10RTGAGE
PA YME.'ITS. AriD
IF YOU MEET OTHER ELIGIBILITY REQCIRE.'<IE.'ITS ESTABLISHED BY THE
PE.'INSYLliA....IA HOCSI1'iG Fl;-fA;-fCE AGE.'ICY.
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PENNSYLVANIA HOUSING FINANCE AGENCY
HOMEOWNER'S EMERGENCY ASSISTANCE PROGRAM
CONSUMER CREDIT COUNSELING AGENCIES
(REV. 8/00)
Lycoming..clinton Counties Commision for
Community Action (STEP)
2138 Lincoln Street P.O. Box 1328
Williamspon, PA 17703
(570) 326-0587 FAX (570) 322-2197
CCCS of Northeastern P A
20 I Basin Street
Williamspon, P A 17703
(570) 323-6627 FAX (570) 323-6626
31 W. Market Street
POB 1127
Wilkes-Barre. P A 18702
(570) 821-08370r (800) 922-9537
FAX (570) 821'1785
CLINTON COUNTY
COLUMBIA COUNTY
Commission on ,Economics Opportunity ofLuzeme County
163 Amber Lane
Wilkes-Barre. PA 18702
(570) 826-0510'0r(800) 822-0359
FAX (570) 829'1665-(Call Before Faxing)
(570) 455-4994 Ilazeltown
FAX (570) 455'5631-(Call Before Faxing)
(570) 836-4090 Tunkhannock
Booker T. Washintton Center
1720 Holland Center
Erie, PA 16503
(814) 453-5744 FAX (814) 5749
John F. Kennedy Center, Inc.
2021 East 20. Street
Erie, PA 16510
(814) 898-0400
FAX (814) 898-1243
CCCS of West em Pennsylvania, Inc.
2000 Linglestown Road
Harrisburg, PA 17102
(717) 541-1757
Urban League of Metropolitan Harrisburg
N. 6'" Street
Harrisburg, PA 17101
(717) 234-5925 FAX (717) 234-9459
Community Actiol1 Comm of the Capital Region
1514 Derry Street
Harrisburg, PA 17104
(717) 232-9757 FAX (717) 234-2227
CRAWFORD COUNTY
CUMBERLAND COUNTY
CCCS of Northeastern P A
1631 South Atherton St. Suite 100
State College. PA 16801
(814) 238-3668 FAX (814) 238-3669
1400 Abington Executive Park
Suite 1
Clacks Summit P A 18411
(570) 587-9163 or (800) 922-9537
FA-X (570) 587-9134-9135
Greater Erie Community Action Committee
18 West 9lh Street
Erie, PA 16501
(814) 459-4581 FAX (814) 456-0161
Shenango Valley Urban League. Inc.
60 1 Indiana Avenue
Farrell, PA 16121
(412)981-5310
Financial Counseling Services of FrankIin
31 West 3n1 Street
Waynesboro, PA 17268
(717) 762-3285
YWCA of Carlisle
301 "G" Street
Carlisle, PA 17013 .
(717) 243-3818 FAX (717)731.9589
Adams County Housing Authority
139-143 Carlisle St
Gettysburg, P A 17325
(717)334-1518 FAX 334-8326
PENNSYL VANIA BULLETIN, VOL. 29, NO. 23. JUNE 5. 1999
EXHIBiT A
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ALL THAT CERT AlN piece or parcel of land known and designated as
Lot No. 41, Block B, Section 7 of Indian Creek, situale in Hampden Township, Cumberland
County, Pennsylvania, as prepared by D. P. Raffensperger, R.S., dated April 4, 19738nd filed
in the Recorder of Deeds Office of Cumberland County in Plan Book 23, Page 170, more
particularly bounded and described as follows, to wit:
'-.J!I-
BEGINNING at a point on the east side of Fox Drive, said point being a
distance of 1441.31 feet north of Ule intersection of the north side of Indian Creek Drive and the
east side of Fox Drive; thence by Ule east side of Fox Drive, North 28 degrees 30 minutes West,
a distance of 85 feet to a point on the line of Lot No.1; tltence by same and Lot No.2, North 61
degrees 30 minules East. a distance of 150 feet to a point on the line of LoI No.4; thence by same
and Lot No.5, South 28 degrees 30 minutes Easl, a distance of 85 feet to a point on the line of
Lot No, 40; Ulence by same, Soutb 61 degrees 30 minutes West, a distance of 150.00 feet to a
point, the place of BEGlNN1NG.
HAVING THEREON ERECTED a two story bouse known and numbered as
234 Fox Drive, Mecbanicsburg, Pennsylvania.
BEING the same premises whicb Mitchell D. Houser and Barbara H. Houser,
his wife, by their deed dated March 5, 1986, and recorded March 24, 1986 in the Cumberland
County Recorder of Deeds Office in Deed Book U, Volume 31, Page 5, granted and conveyed
unto Randy L. Lawrence and Faula R. Lawrence, the granlors berein.
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VERIFICATION
ADAM STYERS hereby states that he is ASSIST ANT VICE PRESIDENT of
WASHINGTON MUTUAL HOME LOANS, 1Ne. mortgage servicing agent for Plaintiff in this
matter, that he is authorized to take this Verification, and that the statements made in the foregoing Civil
Action in Mortgage Foreclosure are true and correct to the best of his knowledge, information and belief.
The undersigned understands that this statement is made subject to the penalties of 18 Pa. C$. Sec. 4904
relating to unsworn falsification to authorities.
DATE;
~/Io,/Of
(~~ \----
ADAM STYERS
ASST. VICE PRESIDENT
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SHERIFF'S RETURN - REGULAR
CASE NO: 2001-03839 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
WASHINGTON MUTUAL HOME LOANS
VS
LAWRENC;E RANDY L
GERALD.WORTHINGTON
, Sheriff or Deputy Sheriff of
Cumberland County,pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
LAWRENCE RANDY L
the
DEFENDANT
, at 1013:00 HOURS, on the 28th day of June
, 2001
at LAWRENCE CHEVROLET
CARLISLE PIKE
MECHANICSBURG, PA 17055
by handing to
RANDY L LAWRENCE
a true and attested copy of COMPLAINT - MORT FORE
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
18.00
6.20
.00
10.00
.00
34.20
So Answers:
.~~~"'~~
R. Thomas Kline
06/29/2001
FEDERMAN & PHELAN
Sworn and Subscribed to before
BY:~/~~
Deputy Sh iff
me this .;23~ day of
-'" ~ " - .." .....~"'. ~.~.....
FEDERMAN AND PHELAN, LLP
By: Fr~,nk Federman, Esquire
AttY. LD. No.: 12248
One Penn Center at Suburban Station
Suite 1400
Philadelphia, PA 19103-1814
(215) 563-7000
WASHINGTON MUTUAL HOME LOANS, INC.,
F /K/ A PNC MORTGAGE CORP. OF AMERICA
Plaintiff
Vs.
RANDY L. LAWRENCE
Defendant(s)
;1-.
I.J
Attorney for Plaintiff
Court of Common Pleas
CUMBERLAND County
No. 01-3839
PRAECIPE TO WITHDRAW COMPLAINT. WITHOUT PREJUDICE
TO THE PROTHONOTARY:
>
1II!IllIiiil.-k-~~&f.'-j'
Kindly withdraw the complaint filed in the instant matter, without prejudice, upon payment of your costs
only. A Chapter 13 bankruptcy was filed on MAY 30,2001, which invalidated the complaint.
C1l~31M
Dati /
t4/LIJ/JcLW/ivurKL1/M~
Frank: Federman
Attorney for Plaintiff
-.
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