HomeMy WebLinkAbout01-04459r ~
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION -LAW
BANK, F.S.B.
Plaintiff
vs.
R. YOHN and JOAN S. YOHN
Defendants
NOTICE TO DEFEND
JU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE
LAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION
ITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE
~RVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY
PTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES
R OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE
ARNED THAT IF YOU FAIL TO DO SO, THE CASE MAY PROCEED WITHOUT
DU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT
ITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE
DMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE
LAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS
QPORTANT TO YOU.
SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET
~L HELP.
MORTGAGE FORECLOSURE
CUMBERLAND COUNTY BAR ASSOCIATOIN
2 LIBERTY AVENUE
CARLISLE, PA 17013
(717)249-3166
LPW OFFICES
PIOSA HIXSON &REILLY P.C.
ONE WINDSOR PLAZA. SUITE 101
]535 WINDSOR DRIVE
ALLENTOWN. PA 18195-1014
(6107 530-]500
PIOSA HIXSON &REILLY, P.C.
By: '
Thomas E. Billy, r., E,
Attorney for Plaintiff
Attorney I. D. No. 41668
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION -LAW
REIGN BANK, F.S.B. )
Plaintiff )
vs. )
BETH R. YOHN and JOAN S. YOHN )
Defendants )
COMPLAINT
NO.
MORTGAGE FORECLOSURE
AND NOW, comes the Plaintiff, Sovereign Bank, F.S.B., by and through its
Thomas E. Reilly, Jr., Esquire, and avers a cause of action of which the
is a statement:
1. The Plaintiff, Sovereign Bank, F.S.B., Mortgagee, is a Pennsylvania
with a principal office located at 525 Lancaster Avenue, Reading, Berks
Pennsylvania 19611.
2. The Defendants, Kenneth R. Yohn and Joan S. Yohn, are adult
currently residing at 1120 Carrington Court East, Mechanicsburg, PA
7055.
3. The Defendants, Kenneth R. Yohn and Joan S. Yohn, are the owners of
of the premises known as 1120 Carrington Court East, Mechanicsburg,
berland County, Pennsylvania, and more fully described in Exhibit "A" which
attached hereto and incorporated herein (the "Premises").
LAW OFFICES
PIOSA HI%SON & REILLY P. C.
ONE WINDSOR PLAZA, SUITE 101
]535 WINDSOR DRIVE
ALLENTOWN, PA 18195-1014
(8101530-]500
4. On October 13, 1995, the Defendants executed and delivered a
to Plaintiff upon the Premises, which Mortgage was recorded on October
1995 in the Office of the Recorder of Deeds, Cumberland County, Pennsylvania,
Mortgage Book 1287, Page 304, et. seq. (the "Mortgage"). A true and correct copy
the Mortgage is attached hereto, marked as Exhibit "B", and incorporated herein.
5. The Mortgage has not been assigned by the Plaintiff.
6. The Mortgage was given as collateral security for a loan to the
as evidenced by a Note executed by the Defendants on October 13, 1995
the principal amount of One Hundred Sixty-five Thousand Nine Hundred
Dollars ($165,927.00) (the "Note"). A true and correct copy of the
is attached hereto, marked as Exhibit "C", and incorporated herein.
7. The Mortgage is in default because the Defendants have failed to make
payments of principal and interest due under the terms of the Note and the
since September 1, 2000.
8. Because of the aforesaid default, on or about June 8, 2001, an Act 91
to take Action to Save your Home from Foreclosure was mailed to the
by certified mail, return receipt requested, wherein Plaintiff demanded
the Defendants make a payment of $16,314.53 as required by the Mortgage in
to cure the aforesaid default. A true and correct copy of the said Act 91 Notice
LAw DRFIDES ~s attached hereto and marked as Exhibit "D", and incorporated herein.
PIOSA HIXSON & REILLV P.C.
ONE WINDSOR PLPZF, SUITE 101
7535 WIN~SDq DPIVE
ALLENTOWN, PA 18195-1014
1610) 530-]500
9. A Notice of Availability of Home Ownership Counseling under the
and Community Development Act of 1987 was mailed to the Defendants by
class mail on June 8, 2001 pursuant to the Housing and Community
Act of 1987, 42 U.S.C.S. Section 5301 et seq. A true and correct copy
the said Notice is attached hereto, marked as Exhibit "E", and incorporated
10. A copy of the Verification Notice pursuant to the Fair Debt Collection
Act, 15 U.S.C. Section 1692, is attached hereto, marked as Exhibit "F" and
herein.
11. The Defendants have failed to pay the amount demanded in the Act 91
in order to cure the said default.
12. Pursuant to paragraph 21 of the Mortgage, Plaintiff is permitted to
reasonable attorney fees as part of this Mortgage Foreclosure Action.
anticipates the legal fees in this matter to be One Thousand Fifty-nine
and Fifty Cents ($1,059.50).
13. As a result of the default which occurred on September 1, 2000 and
the mailing of the Notice, the following amounts are now due pursuant to the
of the Mortgage:
LAW OFFICES
PIOSA HIXSON & REILLY P.C.
ONE WINOSOP PLAZA, SMITE 101
]535 WINGSOP O6IVE
ALLENTOWN, PA 18195-1014
1610)530-]500
(a) Principal $ 156,569.08
(b) Interest to 07/15/01 11,885.52
(c) Unapplied Balance (637.52)
(d) Escrow Due 1,719.95
(e) Late Charges 1,201.88
(f) Misc. Fees 311.75
(g) Satisfaction Fee 14.00
(h) Atty Fees & Costs 1.059.50
TOTAL $ 172.124.16
WHEREFORE, Plaintiff demands judgment in its favor and against the
Kenneth R. Yohn and Joan S. Yohn, in the amount of $172,124.16, plus
from July 15, 2001, late charges, escrow advances, costs of foreclosure and
of the mortgaged property and costs of this proceeding and reasonable
fees as provided in paragraph 21 of the Mortgage.
PIOSA HIXSON &REILLY
By:~„
Thomas E. Reilly, Jr., Esq 're
Attorney for Plaintiff
I. D. No. 41668
LFW OFFICES
PI05A HIXSON &REILLY P.C.
ONE WINDSOR PLAZA, SUITE 101
]535 WINDSOR DRWE
ALLENTOWN, PA 15195-1014
(6101530-]500
VERIFICATION
I, CONSTANCE M. COCROFT, state that I am the Vice President of Sovereign
Bank, Plaintiff in the within action, and as such, I am authorized to make this
Verification on behalf of the said Sovereign Bank, and verify that the statements made
in the foregoing document are true and correct. 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.
Constance M. Cocroft
Dated: ~..\~~B ~;~6G\
ALL THAT CERTAIN lot or tract of ground situate in Hampden Township, Cumberland
County, Pennsylvania, more particularly bounded and described as follows, to wit:
BEGINNING at a point on the northern right of way line of Carrington Court East at the
southwest corner of Lot No. 6; thence along said right of way line and along a 20 feet
sewer lateral easement by a curve to the left said curve having a radius of 60.00 feet and
an arc distance of 71.69 feet to a point; thence along the same by a curve to the right said
curve having a radius of 25.00 feet and an arc distance of 3.32 feet to a point being the
southeast corner of Lot No. 8; thence along Lot No. 8 North 39 degrees 19 minutes 33
seconds West 123.95 feet to a point at Lands now or formerly of Franklin R. and Joyce
Roth; thence along said lands North 39 degrees 39 minutes 33 seconds East 60.0 feet to a
point at lands now or formerly of John H. Zaugg; thence along said lands and along a 20
feet sewer lateral easement, North 73 degrees 05 minutes 24 seconds East 98.86 feet to a
point being the northwest corner of Lot No. 6; thence along Lot No. 6 and through a 20
feet sewer lateral easement, South 05 degrees 12 minutes 06 seconds West 116.21 feet to
a point being the place of BEGINNING.
BEING THE SAME PREMISES which Fogarty & Molinari, Associates, by its Deed dated
October 11, 1995 and recorded on October 20, 1995, in the Office of the Recorder of Deeds
in and for Cumberland County, at Deed Book Volume 129, page 1058, granted and
conveyed unto Kenneth R. Yohn and Joan S. Yohn, Husband and Wife, their heirs and
assigns.
EXHIBIT "A"
a° a5to1`~-~
AFTER R~OORDING MAILTO:
Sovereign Bank, F.S.B
PO Box 1763
23 East King Street
Lancaster, PA 17603-9969
LOAN NO. Os9-sal3als
ROBERT p. ZIECLER
RECORDER OF DEEDS
f,Uk1CERLAND COUNTY-PA
rss oc r zo fl~ s ss
[Space Above Thisllne. Fbr Recording date]
MORTGAGE
THIS MORTGAGE ("Security Insimment") (s given on o c t o h e r l 3, 1 9 s 5 .The mortgagor is
Kenneth R. Ychn and Joan 5. Ychn
("8orrowel"). This Security Instrument is given to
S overelgn Bank, a Gederal Savings Bank
which is organized and existing under the laws of the United States of America, and whose address is
1130 Berkshire 61vd, Wyomiss in9•PA 19610 ("Lender.
BDrrDwerOWesLenderSheprlRCipaISOmOf One Hundred Sixty Five Thousand Nine Hundred Twenty Seven Dollars
and no/YDmilars (U.S. $ 1 s s , s z ~ . o o ). This debt is evidenced by Borrower's note dated the same date as this
Security Instrument ("Noce"), which provides for monthly payments, with the full debt, 'rf not paid eadier, due and
payable on s o v e m b e r 1, z D 2 5 .TMs SeCUry'ty tnstrumentsecures to Lender: (a) the repayment of the debt
evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all
other sums, with Interest, advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the
performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose,
Borrower does hereby mortgage, grant and convey to Lender the following descdbed property located in
C u m h e r l a n d County, Pennsylvania:
See Attached Schedule
WhlCh has the addre55 of 1120 Carrington Court East, Mechan icshurg
[Street] - [City]
Pennsylvania t ~ 0 5 s ("Property Address');
[7,p Cade]
TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,
appurtenances, and fixtures now or hereafter a part of the property. All replacements and addkions shall also be
covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property.°
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to
mortgage, gran[ and convey the Property antl that the Property Is unencumbered, except for encumbrances of record.
Borrower warrants and will defend generally the tRle to the Property against ail claims and demands, subject to any
encumbrances of record.
PENNSYLVANIA-SINGLE FAMILY-FNMA/FHLMC UNIFORM INSTRUMENT
ISC/CMD7PA//0391/3038(9-90)~L PAGE 1 OF 6
BOOR1.`~.57 PAGE 3O4
FORM 3039 9/90
nBn
LOAN NO. o9s-sot3ats
THIS SECURITY INSTRUMENT combines un'rform covenams for national use and non-uniform covenants with
limited variations by jurisdiction to constitute a uniform security instrument covering real property.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
1. Payment of Principal and Interest; Prepaymem and Late Charges. Borrower shall promptly pay when due
the principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the
Note.
2. Funds for Taxes and Insurance. Sub)ect to applicable law or to a written waiver by Lender, Borrower shall pay
to Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum ("Funds") for: (a)
yeady razes and assessments which may attain priordy over this Security Instrument as a lien on the Property; ro) yearly
leasehold payments or ground rerns on the Property, 'rf any; (c) yeady hazard or property insurance premiums; (d)
yeady Flood insurance premiums, If any; (e) yeady mortgage insurance premiums, if any; and (f) any sums payable by
Borrower to Lender, in accordance wfth the provisions of paragreph B, in lieu of the payment of mortgage insurance
premiums. These Items are called "Escrow Items." Lender may, at anytime, collect and hold Funds in an amount not
to exceed the maximum amount a lender for a federally related mortgage9dan may require for Borrower's escrow
account under the federal Real Estate Settlement Procedures Act of 7974 as amended from time to time, 12 U.S.C. §
2601 et seq. ("RESPA"), unless another law that applies to the Funds sets a lesser amount. If so, Lender may, at any
time, collect and hold Funds in an amount not to exceed the lesser amount. Lender may estimate the amount of Funds
due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in
accordance wfth applicable law.
The Funds shall be held in an institution whose deposits are Insured by a federal agency, instrumentality, or entity
(induding Lender, if Lender Is such an institution) or in any Federal Home Loan Bank. Lender shall apply the Funds to
pay the Escrow Items. Lender may no[ charge Borrower for holding and applying the Funds, annually analyzing the
escrow account, or vedtying the Escrow Items, unless Lender pays Borrower interest on the Funds and applicable law
permits Lender to make such a charge. However, Lender may require Borrower to pay eons-time charge for an
independent real estate tax reporting service used by Lender in connection wfth this loan, unless applicahle law
provides otherwise. Unless an agreement is made or applicable law requires interest to be paid, Lander shall not be
required to pay Borrower any Interest or earnings on the Funds. Borrower and Lender may agree in writing, however,
that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the
Funds, showing credits and debits to the Funds and the purpose for which each debit to the Funds was made. The
Funds are pledged as additional security for all sums secured by this Securty Instrument.
If the Funds held by Lender exceed the amoums permitted to be held by applicable law, Lender shall account to
Borrower for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held
by Lender at any time-is not sufficient to pay the Escrow Items when due, Lender may so notify Borrower in writing, and,
In such case Borrower shall pay to Lender the amount necessaryto make up the deficiency. Borrower shall make up
the deficiency in no more than twelve momhly payments, at Lender's sole discretion.
Upon payment in full of ail sums secured by this Security Instrument, Lender shall promptly refund to Borrower any
Furtds held by Lender. If, under paragreph 21, Lender shall acquire or sell the Property, Lender, pdor to the acquisition
or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the
sums secured by this Security Instrument.
3. Applicationof Paymems. Unless applicable law provides otherwise, all payments received by Lender under
paragraphs 1 and 2 shalt be applied: first,io any prepayment charges due under the Note; second, to amounts payable
under paragraph 2; third, to Interest due; fourth, to principal due; and last, to any late charges due under the Note.
4. Charges; liens. Borrower shall pay ail taxes, assessments, charges, floes and impositions attdbutable to the
Property which may attain priority over this Security Instrument, and leasehold payments or ground rents, If any.
Bonower shall pay these obligations in the manner provided In paragraph 2, or if not paid in that manner, Borrower
shall pay them on time directly to the person owed payment. Borrower shall promptly furnish to Lender all notices of
amoums to be paid under this paregreph. If Borrower makes these payments directly, Borrower shall promptly furnish
to Lender receipts evidencing the payments.
Bonower shall promptly discharge any Tien which hes priority over this Security Instrument unless Borrower: (a)
agrees in writing to the payment of the ohligation secured by the lien in a manner acceptable to Lender; (b) contests in
goad faith the lien by, qr defends against enforcement of the lien in, legal proceedings which in the Lender's opinion
operate to prevent the enforcement of the lien; or (c) secures from the holder of [he lien an agreement satisfactory to
Lender subordinating the lien to this Secumy Instrument. If Lender determines that any part of the Property is subject
to a lien which may attain priority over this Security Instrument, Lender may give Bonower a notice ident'rfying the Ilen.
Bonower shall satisfy the lien or take one or more of the actions set forth above within 70 days of the giving of notice.
5. Hazard or Property Insurance. Borrower shall keep the Improvements now existing or hereafter erected on the
Property insured against loss by tire, hazards Included within the term "extended coverage" and any other hazards,
induding floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts
and for the periods that Lender requires. The Insurance carrier providing the insurence shall be chosen by Borrower
subject to Lender's approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described
above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in the Property in accordance with
paragraph 7.
PENNSYLVANIA-SINGLE FAMILY-FNMA/FHLMC UNIFORM INSTRUMENT FORM 3039 9/9a
ISC/tiMDTPA//6391/3039(9-96)-L PAGE 2 OF 6
BOOKS~S7 PACE 305
- Lo„NNO. cos-sst34ts
All Insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause.
Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly glue to Lender
all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the
Insurance carrier and Lender. Lender may make proof of loss If not made promptly by Borrower.
Unless Lender and Borrower otherwise agree In wrong, insurance proceeds shall be applied to restoration or repair
of the Property tlamaged, if the restoration or repaG Is economically feasible and Lender's security is not lessened. If
the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds
shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to
Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the
Insurance carrier has offered to settle a claim, then Lender may collect the Insumnce proceeds. Lender may use the
proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or no[ then due.
The 30-day period will begin when the notice is given.
Unless Lentler and Borrower otherwise agree in writing, any application of proceeds to principal shall not eMend or
postpone the due date of the monthly payments referzed to In paragraphs 1 and 2 or change the amount of the
payments. If under paragraph 27 the Property is acquired by Lender, Borrower's right to any Insurance policies and
proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums
secured by this Security Instrument immediately prior to the acquistion.
6. Occupancy, Preservation, Maimenance and Protection of the Property; Borrower's Loan Application;
Leaseholds. Borrower shall occupy, establish, and use the Propeny as Borrower's principal residence within sixty
days afterthe execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal
residence for at least one year after the date of occupancy, unless Lender otherwise agrees in wdting, which consent
shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control.
Borcower shall hot destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the
Property. Borrower shall be In default'rf any forfeiture action or proceeding, whether civil or criminal, is begun that in
Lender's good fafth Judgment could result In fortekure of the Property or otherwise matedally impair the lien created by
this Security Instrument or Lender's secudty Interest. Borrower may cure such a default and reinstate, as provided in
pargraph 18, by causing the action or proceeding to be dismissed with a ruling that, in Lender's good fakh
determination, precludes forteiture of the Borrower's Interest in the Property or other materialTmpairment of the lien
created by this Security Instrument or Lender's security Interest. Borrower shall also be in default if Borrower, during the
loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide
Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to,
representations concerning Borrower's occupancy of the Property as a principal residence. If this Security Instrument
is on a leasehold,. Borrower shall comply wRh all the provisions of the lease. If Borrower acquires fee title to the
Property, the leasehold and the foe title shall not merge unless Lender agrees to the merger in writing.
7. Protection of Lender's Rights in the Property. If Borrowerfails to pertorm the covenants and agreements
contained in this Security Instrument, or there is a legal proceeding that may slgn'rficantly affect Lender's rights in the
Property (such as a proceeding In bankruptcy, probate, for condemnation or forteiture or to enforce laws or
regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's
rights in the Property. Lender s actions may include paying any sums secured by a lien which has priority over this
Security Instrument, appearing in court, paying reasonable attorneys' fees and emering on the Property to make repairs.
Although Lender may take action under this paragraph 7, Lender does not have to do so. -
Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by
this Securty Instrument. Unless Borrower end Lender agree to other terms of payment, these amounts shall bear
interest from the date of disbursement at the Note rate and shall be payahle, with interest, upon notice from Lender to
Borrower requesting payment.
8. Mortgage Insurance. If Lender required mortgage InsUrahce as a condition of making the loan secured by this
Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance in effect. If, for any
reason, the mortgage insurance coverage required by Lender lapses or ceases to be In effect, Borrower shall pay the
premiums required to obtain covemge substantially equivalent to the mortgage Insurance previously in effect, at a cost
substantially equivalent to the cost to Borrower of the mortgage insurance previously in effect, from an alternate
mortgage insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not available,
Borrower shall pay to Lender each month a sum equal to one-twelfth of the yearly mortgage insurance premium halos
paid by Borrower when the insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain
these payments as a Toss reserve in lieu of mortgage Insurance. Loss reserve payments may no longer be required, at
the option of Lender, If mortgage Insurance covemge (in the amount and for the period that Lender requires) provided
by an Insurer approved by Lender again becomes available and Is obtained. Borrower shall pay the premiums required
to maintain mortgage Insurance in effect, or to provide a loss reserve, untllthe requirement for mortgage Insurance ends
in accordance wfth any written agreement between Borrower and Lender or applicable law.
e. Inspection. Lender or ks agent may make reasonable emrles upon and inspections of the Property. Lender
shall glue Borrower notice at the time of or prior to an inspection specifying reasonable cause for the Inspection.
tD. Contlemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with
any condemnation or other taking of any part of the Property, or for conveyance in lieu of condemnation, are hereby
assigned and shall be paid to Lender.
PENNSYLVANIA~SINGLE FAMILY-FNMA/FHLMC UNIFORM INSTRUMENT FONM 3039 9/90
ISC/CMDTPA//Og91/3039(9~90)-L PAGE 3 OF 6
BOgI(1~~! PAGE 3OFi
LOAN NO. oos-sot34ts
In the evert of a total taking of the Property, the proceeds shall be applied to the sums secured by this Security
Instrument, whether or not then due, whh any excess paid to Borrower. In the event of a partial taking of the Property in
which the Tair market value of the Property immediately before the taking is equal to or greater than the amount of the
sums secured by this Securky Instrument Immediately before the taking, unless Borrower and Lender otherwise agree
in writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by
the fallowing fraction: (a) the total amount of the sums secured immediately before the taking, divided by (b) the fair
market value of the Property immediately before the taking. Any balance shall be paid to Borrower. In the event of a
partial taking of the Property in which the fair market value of the Property immediately before the taking is less than [he
amount of the sums secured immediately before the taking, unless Borrower and Lender otherwise agree in wrting or
unless applicable law otherwise provides, the proceeds shall be applied to the sums secured by this Securty Instrument
whether or not the sums are then due.
If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the condemnor offers to
make an award or settle a claim for damages, Borrower falls to respond to Lender whhin 30 days after the date the
notice is given, Lender is authorized to collect and apply the proceeds, at its option, either to restoration or repair of the
Property or to the sums secured by this Security Instrument, whether or not then due.
Unless Lender and Borrower otherwise agree in writing, any application of~proceeds to principal shall not exend or
postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of such
payments.
1 t. Borcower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or
mod'rfication of amortization of the sums secured by this Secudty Instrument grented by Lender to any successor in
Interest of Bonower shall not operate to release the liability of the original Borrower or Borrrower's successors in
interest. Lender shall not he required to commence proceedings against any successor In interest or refuse to extend
time for payment or otherwise modiry amortization of the sums secured by this Security Instrument by reason of any
demand made by the odglnai Borrower or Borrower's successors in Interest. Any forbearance by Lender in exercising
any Hght or remedy shall not be a waiver of or preclude the exercise of any Hght or remedy.
t2. Successors end Assigns Bound; Joint and Several Liability; Co-signers. The covenants and agreements
of this Securty Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the
provisions of paragraph 17. Borrower's covenants and agreements shall be join[ and several. Any Bonower who
co-signs this Security Instrument but tloes not execute the Note: (a) is co-signing this Security Instrument only to
mortgage, grant and convey that Borrower's interest in the Property underthe terms of this Security Instrument; (h) is
not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other
Bonower may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security
Instrument or the Note without that Borrower's consent.
t3. Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum loan
charges, and that law is finally Interpreted so that the Interest or other loan charges collected or to be collected in
conhection with the loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount
necessary to reduce the charge to the permitted IimR; and (b) any sums already collected from Borrower which
exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the
pdncipal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction
will be treated as a partial prepayment without any prepayment charge under the Note.
74. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by
mailing i[ by first class mail unless applicable law requires use of another method. The notice shall be directed to the
Pro erty Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given
by fiprst class mail to Lender's address stated herein or any other address Lender designates by notice to Borrower.
Any notice provided for in this Security Instrument shall be deemed to have been given to Bonower or Lender when
given as provided in this paragraph.
16. Governing law; Severability. This Security Instrument shall be governed by federal law and the law of the
Jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the
Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note
which can be given affect without the conflicting provision. To this end the provisions of this Security Instrument and
the Note are declared to be severable.
76. eorcower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument.
77. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest
in tt is sold or transfened (or If a beneficial interest in Borrower Is sold or transferred and Borrower is not a natural
person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums
secured 6y this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibked by
federal law as of the tlate of this Security Instrument.
If Lender exercises this option, Lender shall glue Bonower notice of acceleration. The notice shall provide a period
of not less than 30 days from the date the notice Is delivered or mailed within which Borrower must pay all sums secured
by this Security Instrument. If Borrower fails to pay these Bums prior to the expiration of this period, Lender may invoke
any remedies permitted by this Securty Instrument wtthout further notice or demand on Borrower.
PENNSYLVANIA-SINGLE FAMILY-FNMA/FHLMC UNIFORM INSTRUMENT FORM 3039 9/90
ISC/CMOTPA//039i/3039(&90)-L PAGE 4 OF 6
BOOfl1~S% PACE 3O7
L<,N NO. 9os-6ot3ars
-18. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have
enforcement of this Security Instrument discontinued at any time prior to the earner of: (a) 5 days (or such other period
as appltcable taw may specify for retnstatement) before sale of the f roperty pursuant [o any power of sale contained in
this Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those conditions are that
Borrower: (a) pays Lender all sums which then would be due under this Secudty Instrument and the Note as'rf no
acceleration had occurred; (h) cures any default of any other covenams or agreements; (c) pays all expenses Incurred
in enforcing this Security Instrument, including, but not limited to, reasonable attomeys' fees; and (d) takes such action
as Lender may reasonably require to assure that the lien of this Security Instrument, Lender's rights in the Property and
Borrower's obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon
reinstatemem by Borrower, this Securtyy Instrument and the obligations secured hereby shall remain fully effective as if
no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under
paragraph 17.
19. Sale of Note; Change of Loan Servicer.
The Note or a partial interest in the Note (together with this Security Instrument) may he sold one or more times
without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicer') that collects
monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the
Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Sendcer, Borrower will be given written
notice of the change in accordance with paragraph 14 above and applicable law. The notice will state the name and
address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any
other inf matt n re it b a II ble law.
28, ~{azer°tleus~u sta~ic~~ ~orrower shall not cause or permit the presence, use, disposal, storage, or release
of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything
affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the
presence, use, or storage on the Property of small quamities of Hazardous Substances that are generally recognized to
be appropriate to normal residential uses and to maintenance of the Property. _
Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuft or other action by
any governmental or regulatory agency or private party involv(ng the Property and any Hazardous Substance or
Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmemal or
regulatory authority, that any removal or other remeiiiation of any Hazardous Substance affecting the Property is
necessary, Borrower shall promptly take all necessary remedial actions in accordance wdh Environmental Law.
As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or harardous
substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic
petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde,
and radioactive materials. As used in this paragraph 20, "Environmental Law" means federal laws and laws of the
jurisdiction where the Property is located that relate to health, safety or environmental protection.
NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:
21. Acceleration; Remetlies. Lender shall give notice to Borcower prior to acceleration following Borrower's
breach of any covenant or agreement in this.Securhy Instrument (butnot prior to acceleration under paragraph
t7 unless applicable law provides otherwise). Lender shall notify Borrower of, among other things: (a) the
detauh; (b) the action required to cure the detauh; (c) when the detauh must be cured• and (d) that failure to cure
the detauh es specified may result in acceleration of the sums secured by this Security Instrument, foreclosure
by judicial proceeding and sale-of the Property. Lender shall further inform Borrower of the right to reinstate
after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other
defense of Borcower to acceieation and foreclosure. If the default Is not cured as specified, Lender at hs option
may require immediate payment in full of all sums secured by this Security Instrumem withou! further demand
and may foreclose this Security Instrument by judicial proceeding. Lender shell be emitted to collect all
expenses incurred in pursuing the remetlies provided in this paragraph 21, including, but not limited to,
attorneys' fees entl costs of title evidence to the extent permitted by applicable law.
22. Release. Upon payment of all sums secured by this Security Instrument, this Security Instrument and the
estate conveyed shall terminate and hecome void. After such occurrence, Lender shall discharge and satisfy this
Security Instrument wRhout charge [o Borrower. Borroier shall pay any recordation costs.
23. Waivers. Borrower, to the extent permitted by applicable law, waves and releases any error or defects in
proceedings to emorce this Security Instrumem, and hereby waives the benefit of any present or future laws providing
for stay of execution, extension of time, exemption from attachment, levy and sale, and homestead exemption.
PENNSVLUANIA-SINGLE FAMILY-FNMA/FHLMC UNIFORM INSTRUMENT FORM 3039 9/90
ISC/CMDTPA//0391/3039(9~90)-L PAGE 5 OF 6
BOOK1~~7 PACE 308
LOAN NO. a09-solsnl9
24. Reinstatement Period. Borrower's time to reinstate provided In paragraph t B shall eMend to one hour prior to
the commencement of bidding at a sherHPs sale or other sale pursuant to this Securty Instrument.
25. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is Tent to Borrower to
acquire title to the Property, this Security InstmmeM shall be a purchase money mortgage.
26. Interest Rete After Judgment. Borrower agrees that the Interest mte payable after a Judgment is entered on
the Note 4r in an action of mortgage foreclosure shall be the rate payable from time to time under the Note.
27. Riders to this Security Instrument.
If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and
agreements of each such rider shall be incorporeted imo and shall amend and supplement the covenants and
agreements of this Securay Instrument as'rf the rider(s) were a part of this Security Instrument. [Check applicable
box(®)r],d]ustable Rate Rider ^Condominium Rider ^ 1--4 Family Rider
^ Graduated Payment Rider ^ Planned Unit Development Rider ^ Biweekly Paymem Rider
^Balloon Rider ^Rate rlmprovement Rider ^Second Home Rider
^Other(s) [specliy] ^Addenilum'to Note and Mortgage (Construction Loan Period Only)
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security
Instrument and in any rider(s) executed by Borrower and recorded wah it.
(((W itnessas:
Q ) ,f ~ a't ~ ~" '~'~ (Seal)
~] Kenneth R. Yahn -aO"°WPf
~ ~g. Social(S~'e'c~uwrity\J\Number 1 6 (3/ - 5 2 -_'t1nL~9,0t~5 /\/
Seel) ~~^"' _ ~ ~ "" " (Seal)
-emower J o a 5 . Yohn ~ 'a°"°"°'
Social Security Number Social Security Number 1 9 6- 4 6- 3 6 9 E
Social Security Number '
Below This Line For Acknowledgment] ,
Certificate of Residence
I, B a t r i c i a z w e i z i 9 , do hereby certify that the correct atldress of the wRhin-named
MOrtgage8152090 Lin9lestown Road, Harrisburg. PA 17110
Wahess my hand this l a t n day of O c t o h e r 1 9 9 5.
_ ~ -
Agem of Mortgagee
COMMONWEALTH OF PENNSYLVANIA, eur°~bar art t~ County ss: .....
3 da of C~C~D bev 19AS ,before me, the underei ned officer, ersonall ~5'~@~rd~ f
On this, the ~ y 9 P Y ~ ~ ~:;,
Kenneth R. Yohn and loan 5. Yotnn ,, ,' `~_. :ar. $LC
known tome (or satisfactorily proven) to be the persons whose names subscribed to the witlsi[f.9r
acknowledged that they executed the same for the purposes herein contained. -:_f
IN WITNESS WHEREOF, I hereunto set my hand and official seal. ~ ~:~., Pc ~.
My Commission expires:
-4= eP !ly s,
' i;rl. u...,,.... ~~..~,
Title of Offcer o en
Kamleen D. Snyder, Notary Public
Camp Nill Borough, Cumberland Count'
My Commission Expires June 9, 1996
PENNSYWANUhSINGLE FAMILY-FNMA/FHLMC UNIFOflM INSTflUMENT FOflM 3039 9/90
ISCJCMDTPA//0391/3039(9-90)-L PAGE 6 OF 6
BOOKj.r,,S~ PACE 309
ALL THAT CERTAIN lot or tract of ground situate in Hampden
Township, Cumberland County, Pennsylvania, more particularly
bounded and described as follows, to wit:
BEGINNING at a point on the northern right of way line of
Carrington Court East at the southwest corner of Lot No. 6;
thence along said right of way line and along a 20 feet sewer
lateral easement by a curve to the left said curve having a
radius of 60.00 feet and an arc distance of 71.69 feet to a
point; thence along the same by a curve to the right said curve
having a radius of 25.00 feet and an arc distance of 3.32 feet
to a point being southeast corner of Lot No. 8; thence along Lot
No. 8 North 39 degrees 19 minutes 33 seconds West 123.95 feet to
a point at lands now or formerly of Franklin R. and Joyce Roth;
thence along said lands North 39 degrees 39 minutes 33 seconds
East 60.0 feet to a point at lands now or formerly of John H.
Zaugg; thence along said lands and along a 20 feet sewer lateral
easement North 73 degrees O5 minutes 24 seconds East 98.86 feet
to a point being the northwest corner of Lot No° 6; thence along
Lot No. 6 and through a 20 feet sewer lateral essement South O5
degrees 12 minutes 06 seconds West 116.21 feet to a point being
the place of BEGINNING.
~:, ,. .<_
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aW~~ ec~~:
~s: :~ ae
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C,'riP'DP:'~~. I
BOOKI~H% PAGE 310
BEST OF BG ..1 WORLDS MORTGAGE RIDES LOAN N0. o o s- s o 1 a a 1 s
(1 Year Treasury Index -Rate Caps) '
THIS ADJUSTABLE RATE RIDER is made this lath day of e c t o b e r I s s s ,and is incorporated
Into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security
Instrumem°) of the same date gNen by the undersigned (the "Borrower") to secure Borrower's Ad)ustable Rete Note
(the °NOte") to Sovereign Bank, a Federal Savings Bank (the "Lender") of the same date and covering the property
described in the Security Instrument and located at:
Ilea Carrington Court EastMechan ics6u rg,PA 17e55
[Property Ptltlress]
THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE
MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT THE BORROWER'S INTEREST RATE CAN
CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE THE BORROWER MUST PAY.
ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument,
Bonower and Lender further covenant and agree as follows:
A. INTEREST RATE AND MONTHLY PAYMENT CHANGES
The Note provides for an Initial interest rate of 5 . 1 z s o %. The Note provides for changes In the imeresi rate
and the monthly payments, as follows:
9. INTEREST RATE AND MONTHLY PAYMENT CHANGES
(A) Change Dates
The interest rate I will pay may change on the first day of N n ~ e m t e r t s s s, and on that day every 12th
month thereafter. Each date on which my Interest rate could change Is called a "Change Date."
(B) The Index and Margin
Beginning wfth the Nrst Change Date, my interest rate wNt be based on an Index. The "Index" is the weekly
average yield on United States Treasury securRies adjusted to a constant maturity of 1 year, as made available by
the Federal Reserve Board. The most recent Index figure available as of the date 45 days before each Change Date
is calletl the "Current Index."
If the Index is no longer available, the Note Holder will choose a new index which is based upon comparable
information. The Note Holder will give me notice of this choice.
The "Margin" On my BCCOBn[ WIII bB Two and Nineteen / Twentieths percentage points (z . s 5 0 0 %).
(C) Calculation of Changes
Before each Change Date, the Note Holder will calculate my new Interest rate by adding my Margin, the Current
Index and 7 . 0 0
percentage points ( 7 . o o %). The Note Holder will then divide the result of this addition by two (2) and
round this result to the nearest one-eighth of one percentage point (0.125%). SubJect to the limits stated in Section
4(D) below, this rounded amount will be my new interest rate until the next Change Date.
The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the
unpaid principal that I am expected to owe at the Change Date in full on the maturity date at my new interest rate in
substantially equal payments. The result of this calculation wilt be the newamount of my monthly payment.
(D) Limffs on Interest Rate Changes
The interest rate I am required to pay a[ the first Change Date will not be greater than s . e 7 5 0 % or less
than 3 . 3 7 5 0 %. Thereafter, my interest rate will never be increased or decreased on any single Change Date
by more than o n e and Three / 0 u a r t e r a percentage points (1 . 7 s o o %) from the rate of interest I
have been paying for the preceding twelve months. My interest rate will never be greater than (s . 1 z s o %).
{E) Effective Date of Changes
My new Interest rate will become effective on each Change Date. I will pay the amount of my new monthly
payment beginning on the first monthly payment date after the Change Date until the amount of my monthly
payment changes again.
(F) Notice of Changes
The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my
monthly payment before the effective date of any change. The notice will Include Information required by law to be
given me and also the title and telephone number of a person who will answer any question I may have regarding
the notice.
B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER
Uniform Covenant 17 of the Security Instrument is amended to read as follows:
Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any Interest
in i[ is sold or transferred (or'rf a beneficial interest in Borrower is sold or transferred and Bonower is not a natural
person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all
sums secured by this Security Instrument. However, this option shall not be exercised by Lendersrf exercise is
prohibited 6y federal law as of the date of this Security Instrument. Lender also shall not exercise this option ff: (a)
Borrower causes to be submitted to Lender information required by Lender to evaluate the intended transferee as If
anew loan were being made to the tmnsferee; and (b) Lender reasonably determines that Lender's security will not
be impaired by the loan assumption and that the risk of a breach of any covenant or agreement in this Security
Instrument is acceptable to Lender.
To the eMent permitted by applicable law, Lender may charge a reasonable fee as a condkion to Lender's
consent to the loan assumption. Lender may also require the transferee to sign an assumption agreement that is
acceptable to Lender and that obligates the transferee to keep all the promises and agreements made in the Note
and in this Secudty Instrument . Borrower wiYl continue to be obligated under the Note and this Security Instrument
unless Lender releases Borrower In writing.
If Lender exercises [he option to require immediate payment in full, Lender shall give Borrower notice of
acceleration. The notice shall provide a period of not less than 3g days from the date the notice is delivered or
mailetl within whichBorrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these
sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument
without further notice or demand on Borrower.
BY SIGNING BELOW, Borrower accepts and agrees to the terms~acid cov/-e~naa~nt-s contained in th'y~ Adjustable
Rate Rider. chi /~ ~~'L-~L ~ 9 ~n
BOOK1..8/ PAGE 311 Kenneth A. Ya /~`^~^-
7 Borrower (/~~ Borrower
~fSefll)_ ~~~ ~~~~
eortower d o a n 5. Y o h n Borrower
LOAN NO. oos-s913a1s
BEST OF BOTH WDRLDS'MDRTGAGE NOTE
(1 Year Treasury Index- Rate Caps)
THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY INTEREST RATE AND
MY MONTHLY PAYMENT. THIS NOTE LIMITS THE AMOUNT MY INTEREST RATE CAN
CHANGE AT ANY ONE TIME AND THE 6AAXIMUM RATE I MUST PAY.
October 13, 1995 Harrisburg Pennsylvania
[City] IStatel
1120 Carrington Court East,Mechan icshu rg,PA 17055
[Property Address]
t. BORROWER'S PROMISE TO PAY
In return for a loan that I have received, I promise to pay U.S. $ 1 s 5 , s z 7 . o o (this amount is called
"pdncipal'), plus interest, to the order of the Lender. The Lender is Sovereign Bank, a Federal Savings Bank. I
understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who
is entitled to receive payments under this Note is called the "Note Holder.°
2. INTEREST
Interest will be charged on unpaid principal until the full amount of principal has been paid, i will pay interest at
a yeady rate of 5 . 1 z 5 0 %. The interest rate I will pay will change in accordance with Section 4 of this Note.
The interest rate required by this Section 2 and Section 4 of this Note is the rate I will pay both before and after
any default described in Section 7(B) of this Note.
3. PAYMENTS
(A) Time and Place of Payments
I will pay principal and interest by making payments every month.
I will make my monthly payments on the first day of each month beginning on D e c e m b e r 1, 1 9 9 5, 1
w11 make these payments every month until I have paid all of the principal and Interest and any other charges
described below that I may owe under this Note. My monthly paymerns will be applied to Irneresi before principal.
If, on M o v e m n e r 1 , z o z 5 , I still owe amounts under this Note, 1 will pay those amounts in full on that date,
which is celled the "Matudty Date."
I will make my monthly payments at 1 f 39 Berkshire Blvd., Wyomissing, PA, 1967 D, or at a different place if
required by the Note Holder.
(B) Amount of My Initial Monthly Payments
Each of my Initial monthly payments will be in the amount of U.S. $ s o a . a s .This amount may
change.
(C) Monthly Payment Changes
Changes in my monthly payment wilirefiect changes in the unpaid pdncipal of my loan and In the Interest rate
that I must pay. The Note Holder will determine my new interest mte and the changed amount of my monthly
payment in accordance with Section 4 of this Note.
4. INTEREST RATE AND MONTHLY PAYMENT CHANGES
(A) Change Dates
The interest mte I will pay may change on the first day of M o v e m h e r I s s s ,and on that day every 12th
month thereafter. Each date on which my interest rate could change is called a "Change Date."
(B) The Index and Margin
Beginning with the first Change Date, my interest Ovate will be hosed on an Index The "Index" is the weeMy
average y(eld on United States Treasury securftles adjusted to a constant maturity of 1 year, as made available by
the Federal Reserve Board. The most recent Index figure available as of the date 45 days before each Change Date
is called the "CUrrern Index."
If the Index is no longer available, the Note Holder will choose a new index which is based upon comparable
information. The Note Holder will give me notice of this choice.
The "Margin° on my account will be Teo and M;neteen / Twent; eths percentage points (z . s s o o /,).
(C) Calculation of Changes
Before each Change Date, the Note Holder will calculate my new interest rate by adding my Margin, the Current
Index and 7 , 0 0
percentage points ( 7 . o o %). The Note Holder will then divide the result of this addition by two (2) and round
this result to the nearest one-eighth of one percentage point (0.725%). Subject to the limits stated in Section 4(D)
below, this rounded amount will be my new interest rate until the next Change Date.
The Note Holder will then determine the amourn of the monthly payment that would be sufficient to repay the
unpaid principal that I am expected to owe at the Change Date in full on the Maturity Date at my new interest rate in
substantially equal payments. The result of this calculation will be the new amount of my monthly payment.
(D) Limits on Interest Rate Changes
The Interest rate I am required to pay a[ the firs[ Change Date will not be greater than s . a 7 5 0 % or less
than 3 . 3 7 s c %, Thereafter, my interest mte will never be Increased or decreased on any single Change Date by
more than One and Three / peartere percentagepoints(1.7500 %)fromtherateofinterestl
have been paying for the preceding twelve months. My interest rate will never be greater than s . 1 2 s o %.
(E) Effective Date of Changes
My new Interest mte will become effective on each Change Date. I wili pay the amount of my new monthly
payment beginning on the first monthly payment date after the Change Date until the amount of my monthly
payment changes again.
(F) Notice of Changes
The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my
monthly payment before the effective date of any change. The notice will include information required bylaw to be
given me and also the title and telephone number of a person who will answer any question I may have regarding
the notice.
MULTISTATE ADJUSTABLE RATE NOTE -SINGLE FAMILY-UNIFORM
Page 1 of 3
u C. n ~03 3/a5 rev. 2/92
LOAN NO. oas-sotaa is
5. BORROWER'S RIGHT TO PREPAY '
I have the right to make payments of principal at any time before they are due. A payment of pdncipal only is
known as a "prepayment" When I make a prepayment, 1 will tell the Note Holder In writing that I am doing so.
I may make a full prepayment or partial prepaymens wtthout paying any prepayment charge. The Note Holder
will use all of my prepayments to reduce the amount of principal that I owe under this Note. If I make a partial
prepayment, there will be no changes in the due dates of my monthly payments unless the Note Holder agrees in
wdting to those changes. My partial prepayment may reduce the amount of my monthly payments after the first
Change Date following my partial prepayment. However, any reduction due to my partial prepayment may be offset
by an interest rate Increase.
6. LOAN CHARGES
If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the
interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits,
then: (i) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted
IImIt; and (ii) any sums already collected from me which exceeded permitted limits w01 be refunded to me. The Note
Holder may choose to make this refund by reducing the principal I owe under this Note or 6y making a direct
payment to me. If a refund reduces principal, the reduction will 6e treated as a partial prepayment.
7. BORROWER'S FAILURE TO PAY AS REQUIRED
(A) Late Charges for Overdue Payments
If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days
after the date tt is due, I will pay a late charge to the Note Holder. The amount of the charge will be t o . 0 0 0 % of
~' my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late
payment.
(B) Default
If 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 Default '
If 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 Immediately the full amount of pdncipal 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. _
(D) No Waiver By Note Holder
Even'rf, at a time when I am in default, the Note Holder does not require me to pay immediately in full as
described above, the Note Holder will still have the right to do so if I am in default at a later time.
(E) Payment of Note Holder's Costs and Expenses
If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the
dght to be paid hack by me for all of Its costs and expenses in entorcing this Note to the extent not prohibited by
applicable law. Those expenses include, for example, reasonable attorneys' fees.
8. GIVING OF NOTICES
Unless applicable law requires a differern method, any notice that must be given to me under this Note will be
given by delivering H or by mailing tt by first class mall to me at the Property Address above or at a different address
'rf I give the Note Holder a notice of my different address.
Any notice that must be gNen to the Note Holder under this Note will be given by mailing it by first class mail to
the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that
different address.
s. OBLIGATIONS OF PERSONS UNDER THIS NOTE
If more than one person signs this Note, each person is fully and personally obligated to keep all of the
promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarentor,
surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations,
including the obligations of a guarentor, surety or endorser of this Note, is also obligated to keep all of the promises
made in this Note. The Note Holder may enforce its rights under this Note against each person individually or
against all of us together. This means that any one of us may be required to pay all of the amounts owed under this
Note.
10. WAIVERS
I and any other person who has obligations under this Note waive the rights of presentment and notice of
dishonor. "Presentment" means the right to require the Note Holder to demand paymem of amounts due. "Notice
of dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not
been paid.
1t. UNIFORM SECURED NOTE ~
This Note is a uniform instrument with limited vadations in some jurisdictions. In addition to the protections
given to the Note Holder under this Note, a Mortgage, Deed of Trust or Security Deed (the "Security Instrument"),
dated the same date as this Note, protects the Note Holder from possible losses which might result if I do not keep
the promises which I make in this Note. That Security Instrument describes how and under what condttions I may
be required to make immediate payment in full of all amounts I owe underthis Note. Some of those conditions are
described as follows:
Transfer of the Property or a Beneficial Interest in Borrower. If 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 tansferred and Borrower
is not a naturel person) without Lender's prior written consent, Lender may, at Its option, require immediate
payment In full of all sums secured by this Security Instrument. However, this option shall not be exercised
by Lender ff exercise is prohibited by federal law as of the date of this Secudty Instrument. Lender also shall
not exercise this option if: (a) Borrower muses to be submitted to Lender information required by Lender to
evaluate the intended tansferee as if a new loan were being made to the transferee; and (b) Lender
reasonably determines that Lender's secudry will not be impaired by the loan assumption and that the risk
of a breach of any covenant or agreement in this Securty Instrument is acceptable to Lender.
To the extent permitted by applicable law, Lender may charge a reasonable fee as a condition to
Lender's consent to the loan assumption. Lender may also require the transferee to sign an assumption
agreement [hat is acceptable to Lender and that obligates the transferee to keep all the promises and
agreements made in the Note and in this Security Instrument. Borrower will continue to be obligated under
the Note and this Security Instrument unless Lender releases Borrower in writing.
i 7U4TISTATE ADJUSTABLE PATE NOTE-5' ALE FAMILY-UNIFORM INSTaUMENT Sovereign r ~. Form 3502.03 3/85 rav.2/92
-- Page 2 of 3 --
-;m3
LOAN NO. sas-sR)sats
If Lender exercises the option to require immediate paymem in full, Lender shall gNe Borrower notice
of acceleration. The notice shall provide a period of not Less than 3G days from the date the notice is
delNered or mailed within which Borrower must pay all sums secured by this Secudry Instrument. If
Borrower fails to pay these sums prior [o the expiration of this period, Lender may Invoke any remedies
permitted by this Security Instrument without further notice or demand on Borrower.
WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED.
(Seal) ~~~ (Seal)
Bartower Borrower
Seal l CIS 1L ~,L.A_) ~ - ~~y-YvbV`/ (Seal)
Borrower Joan 5. V o h n Borrower
[Sign Original Only]
MULTIBTATE ADJUSTABLE RATE NOTE--SINGLE FAMILY-UNIFORM INSTRUMENT Sovereign Bank Form P3502.033/65 rev. 2/92
~cr.
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
Date of Notice: June 8, 2001
KENNETH R YOHN
1120 CARRINGTON COURT EAST
MECHANICSBURG PA 17055
Loan # 0096013419
This is an official notice that the mortgage on vour home is in default, and the lender intends to
foreclose Specific information about the nature of the default is provided in the attached aat=.es,
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM.~IiEMAP~may be able to helu to
save vour home This Notice explains how the program works.
you meet with the Counseline Agency_
The name address and phone number of Consumer Credit Counseling Agencies serving fur
County are listed at the end of this Notice If you have any questions you may call the Pennsylvania
Housing Finance Agency toll free at 1-800-342-2397 (Persons with impaired hearine can call (7171
780-18691.
This Notice contains important legal information If you have any_questions representatives at the
Consumer Credit Counseline Agency may be able to helg explain it. You may also want to contact
an attorney in your area. The local bar association may be able to helpyou find a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SUMA 1MPORTANCIA, PLIES AFECTA SU
DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO
DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO
ESTA AGENCIA (PENNSYLVANIA ROUSING FINANCE AGENCY) SIN CARGOS AL
NUMERO MENCIONADO ARRH3A. PUEDES SER ELEGIBLE PARR UN PRESTAMO POR
EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE
PROGRAM" EL CURL PUEDE SALVAR SU CASA DE LA PERDH)A DEL DERECHO A
REDIMHi SU HLPOTECA.
HOMEOWNER'S NAME(S): KENNETH R YOHN
JOAN S YOHN
PROPERTY ADDRESS: 1120 Carrington Court East
Mechanicsburg PA 17055
LOAN ACCT. NO.: 0096013419
CURRENT LENDER/SERVICER: Sovereien Bank
uDn
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE:
• IF YOUR DEFAULT HAS BEEN CAUSED $Y CII2CUMSTANCES BEYOND
YOUR CONTROL,
• IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY
YOUR MORTGAGE PAYMENTS, AND
• IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED
BY THE PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE -Under the Act, you are entitled to a temporary stay of foreclosure
on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a
"face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS
CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling
agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the
date of this meeting. The names addresses and telephone numbers of desiunated°consumer credit counseline
agencies for the county in which the nTOnerty is located are set forth at the end of this Notice. It is only necessary to
schedule one face-to-face meeting. Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later
in this Notice (see following pages for specific information about the nature of your default.) If you have tried and
are unable to resolve this problem with the lender, you have the right to apply for fmancial assistance from the
Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed
Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling
agencies Listed at the end of this Notice. Only consumer credit counseling agencies have applications for the
program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency.
Your application MUST be filed or postmazked within thirty (30) days of your face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT
FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY
PROCEED AGAINST YOUR AOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE
ASSISTANCE WILL BE DENIED,
AGENCY ACTION -Available funds for emergency mortgage assistance are very limited. They will be disbursed
by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has
sixty (60) days to make a decision afer 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
CONSD)ERED AS AN ATTEMPT TO COLLECT THE DEBT.
(Tf you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.)
IvIORTGAGE UP TO DATE
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it ua to date).
NATURE OF THE DEFAULT --The MORTGAGE held by Sovereign Bank (hereinafter we, us, or ours) on your
property located at 1120 Carrington Court East, Mechanicsburg PA 17055, IS SERIOULSY IN DEFAULT
because YOU HAVE NOT MADE THE MONTHLY PAYMENTS of $1509.06 since 09/01/00 to the present. The
total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of
this letter, is $16314.53. The total amount includes late chazges and any other charges that have accrued to this date.
If you disagree with the assertion that a default has occurred or the correctness of the calculated amount required to
cure the default, contact:
SOVEREIGN BANK
MORTGAGE COLLECTIONS DEPARTMENT
PO BOX 876
SHILLINGTON PA 19607
I-800-753-7366
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 $16314.53, PLUS
ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30)
DAY PERIOD. )'dents must be made either by cash cashier's check certified check or money order made
payable to Sovereign Bank and sent to the above address.
IF YOU DO NOT CURE THE DEFAULT-If you do not cure the default within THIRTY (30) DAYS of the
date of this Notice, the lender intonds to exercise its rights to accelerate the mortgage debt. This means that the
entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the
mortgage in monthly instalhnents, If full payment of the total amount past due is not made within THIRTY (30)
DAYS, the lender also intends to instruct its attomeys to start legal acfion to foreclose uaon your morteaeed
property.
IF THE MORTGAGE IS FORECLOSED UPON -The mortgaged property will be sold by the Sheriff to pay off
the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender
begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were
actually incurred, up to $50.00. However, if legal proceedings aze started against you, you will have to pay all
reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be
added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default
within the THII2TY I30) DAY period you will not be required to.P~' attorney's fees.
OTHER LENDER REMEDIES -The lender may also sue you personally for the unpaid principal balance and all
other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within
the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default
and prevent the sale at anv time un to one hour before the Sheriff s Sale You may do so by paying the total amount
then oast due, plus anv late or other charges then due reasonable attomev's fees and costs connected with the
foreclosure sale and anv other costs connected with the Sheriffs Sale as specified in writing by the lender and by
performine anv other requirements under the morteaee. Curing your default in the manner set forth in this
notice will restore your mortgage to the same position as if you had never defaulte4l.
EARLIEST POSSHiLE SHERIFF'S SALE DATE - It is estimated that tha earliest date that such a Sheriff s Sale
of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A
notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to
cure the default will increase the longer you wait. You may fmd out at any time exactly what the required payment
or action will be by contacting the lender.
HOW TO CONTACT THE LENDER:
Name of Lender: SOVEREIGN BANK
Address: PO BOX 876, SHH,LINGTON, PA 19607
Phone Number: 1-800-753-7366
Fax Number: 610-208-8631
Contact Person: Constance M. Cocroft, Vice President
-EFFECT OF SHERIFF'S SALE -You should realize that a Sheriff s Sale will end your ownership of the
mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a
lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time.
ASSUMPTION OF MORTGAGE -You may have the tight to sell or transfer your home to a buyer or transferee
who will assume the mortgage debt, provided that all the outstanding payments, chazges and attorney's fees and
costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBTOR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD
OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO
CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.)
TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR
ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS,
TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE
LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERYING YOUR COUNTY (SEE ENCLOSURE)
You may contact our Mortgage Services Department via E-mail at:
MORTSERV (a,SOVEREIGNBANK.COM
This bank is a debt collector attempting to collect a debt and any information obtained from you will be used for that
purpose.
ACT 91 NOTICE .
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
Date of Notice: June 8, 2001
JOAN S YOHN
1120 CARRINGTON COURT EAST
MECHANICSBURG PA 17055
Loan # 0096013419
This is an official notice that the mort¢a¢e on vour home is in default and the lender intends to
foreclose Specific information about the nature of the default is provided in the attached pa!?es.
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM fHEMAPI may be able to help to
save your home This Notice explains how the pro¢ram works.
To see if HEMAP can help,~you must MEET WITH A CONSUMER CREDIT COUNSELING
AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when
you meet with the Counseline Agencv.
The name address and phone number of Consumer Credit Counseling Aeencies serving your
County are listed at the end of this Notice If you have anyguestions you may call the Pennsylvania
Housing Finance Agency toll free at 1-800-342-2397 (Persons with impaired hearing can call (7171
780-18691.
This Notice contains important legal information. If you have anyyuestions, representatives at the
Consume Credit Counseling Agent may be able to help explain it You may also want to contact
an attorney in your area. The local bar association maybe able to help you Tnd a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SUMA ]MPORTANCIA, PUES AFECTA SU
DEREC$O A CONTINi7AR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO
DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO
ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL
NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARR UN PRESTAMO POR
EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE
PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDH)A DEL DERECHO A
REDIMIit SU HIPOTECA.
HOMEOWNER'S NAME(S): KENNETH R YOI3N
JOAN S YOHN ,
PROPERTY ADDRESS: 1120 Carrington Court East
Mechanicsburg PA 17055
LOAN ACCT. NO.: 0096013419
CURRENT LENDER/SERVICER: Sovereign Bank
<,-~
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCLAI. ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WTTH THE PROVISIONS OF THE HOMEOWNER'S EIVIERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE:
• IF YOUR DEFAULT HAS BEEN CAUSED BY CHtCUMSTANCES BEYOND
YOUR CONTROL,
• IF YOU HAVE A REASONABLE'PROSPECT OF BEING ABLE TO PAY
YOUR MORTGAGE PAYMENTS, AND
• IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED
BY THE PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of foreclosure
on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a
"face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THiS
MEETING MUST OCCUR WITHIN THE NEXT C30) DAYS IF YOU DO NOT APPLY FOR EMERGENCY
MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS
NOTICE CALLED"HOW TO CURE YOUR MORTGAGE DEFAULT". EXPLAINS HOW TO BRING YOUR
MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling
agencies listed at the end of'this notice, the lender may NOT take action against you for thirty (30) days after the
date of this meeting. The names. addresses and telephone numbers of designated consumer credit counseline
agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to
schedule one face-to-face meeting. Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later
in this Notice (see following pages for specific information about the nature of your default.) If you have tried and
are unable to resolve this problem with the lender, you have the right to apply for fmancial assistance from the
Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed
Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling
agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the
program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency.
Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT
FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY
PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE
ASSISTANCE WILL BE DENIED.
AGENCY ACTION -Available funds for emergency mortgage assistance are very limited. They will be disbursed
by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has
sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings
will be pursued against you if you have met the time requirements set forth above. You will be 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 Bring it ua to datel.
NATURE OF THE DEFAULT --The MORTGAGE held by Sovereign Bank (hereinafter we, us, or ours) on your
property located at 1120 Carrington Court East, Mechanicsburg PA 17055, IS SERIOULSY IN DEFAULT
because YOU HAVE NOT MADE THE MONTHLY PAYMENTS of $1509.06 since 09/01/00 to the present. The
total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of
this letter, is $16314.53. The total amount includes late charges and any other charges that have accrued to this date.
If you disagree with the assertion that a default has occurred or the correctness of the calculated amount required to
cure the default, contact:
SOVEREIGN BANK
MORTGAGE COL LECTIONS DEPARTMENT
PO BOX 876
SHILLIIIGTON PA 19607
1-800-753-7366
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 $16314.53, PLUS
ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DiIRIA'G THE THIRTY (30)
DAY PERIOD. Payments must be made either by cash cashier's check certified check or money order made
payable to Sovereign Bank and sent to the above address.
a
IF YOU DO NOT CURE THE DEFAULT-If you do not cure the default within THIRTY (30) DAYS of the
datQ of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the
entire outstanding balance of this debt wilt be considered due immediately and you may lose the chance to pay the
mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30)
DAYS, the lender also intends to instruct its attomeys to start legal action to foreclose u ton your morteaeed
ro er
IF THE MORTGAGE IS FORECLOSED UPON -The mortgaged properly will be sold by the Sheriff to pay off
the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender
begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were
actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all
reasonable attomeys fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be
added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default
within the THIRTY (301 DAY period you will noYbe required to pay attorney's fees.
OTHER LENDER REMEDIES -The lender may also sue you personally for the unpaid principal balance and all
other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within
the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the ri,eht to cure the default
and prevent the sale at anv time un to one hour before the Sheriffs Sale You may do so bypavine the total amount
then past due. plus anv late or other charees then due reasonable attomeys fees and costs connected with the
foreclosure sale and anv other costs connected with the Sheriffs Sale as specified in writine by the lender and by
erformin an other re irements under the mort a e. Curing your default in the manner set forth in this
notice will restore your mortgage tb the same position as if you had never defaulted.
EARLIEST POSSII3LE HERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriffs Sale
of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A
notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to
cure the default will increase the longer you wait. You may find out at any time exactly what the required payment
or action will be by contacting the lender.
HOW TO CONTACT THE LENDER:
Name of Lender: SOVEREIGN BANK
Address: PO BOX 876, SHILLINGTON, PA 19607
Phone Number: 1-800-753-7366
Fax Number: 610-208-8631
Contact Person: Constance M. Cocroft, Vice President
EFFECT OF SHERIFF'S SALE -You should realize that a Sheriff s Sale will end your ownership of the
mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a
lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time.
ASSUMPTION OF MORTGAGE -You may have the right to sell or transfer your home to a buyer or transferee
who will assume the mortgage debk provided that all the outstanding payments, charges and attorney's fees and
costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBTOR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD
OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO
CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.)
TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR
ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS,
TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE
LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY (SEE ENCLOSURE)
You may contact our Mortgage Services Department via E-mail at:
MORTSERV ~a,SOVEREIGNBANK.COM
This bank is a debt collector attempting to collect a debt and any information obtained from you will be used for that
purpose.
a
PENNSYLVANIA ITOi'SING'F'INANCE AGENCY
HOMEOWNER'S EMERGENCY MORTGAGE ASSIST:~NCE PROGRAM
COISSUMER CREDIT COUNSELING AGENCIES
ADAMS COUNTY ARMSTRONG COUNTY
American Red Cross-Hanover Chapter CCCS of Western PA, [nc.
529 Carlisle Street 217 Eas[ Plank Rnad .
Hanover, PA 1T31 Altoona, PA 16602 '
717-637-3768 814-944-8100,814-944-5747
FAX 717-637-3294
Financial Counseling Services of Franklin
31 Wes[ 3'a Street -
Waynesboro, PA ]7268
717-762-3285
CCCS of Westem PA
2000 Linglestown Road
Harrisburg, PA 17102
717-541-1757
717-541-4670
Adams County Housing Authority
139-143 Carlisle Street
Gettysburg, PA 17325
717-334-1518, FAX 717-334-3326
0
ALLEGHENY COUNTY ~
Pennsylvania Housing Finance Agency
2275 Swallow Hill Road, Bldg. 200
Pittsburgh, PA 15220
413-429-2842, F? X 412-429-2835
Credit Counselors of PA
401 Wood Street Suite 906
Pittsburgh, PA 15222
412-338-9954,800-737-2933
FAX 412-338-9963
Indiana Co. Community Action Program
827 Water Street, Sox 187
Indiana, PA 15701
724-465-2657
FAX 724-465-5118
BEAVER COUNTY
Action Housing, Inc.
425 6`h Avenue, Suite 950
Pittsburgh, PA 15219
0 412-391-1956
FAX 412-391-4512
Housing Opportunities of Beaver Co, Inc.
650 Corporation Street, Suite 207
Beaver, PA 15009
724-728-75]1
Action Housing Inc.
425 6's Avenue, Suite 950
Pittsburgh, PA li219 ~-
412-391-1956,412-281-2102;
800-792-2801, FAX 412-391-4512
CCCS of R%estem PA, Inc.
309 Smithfield Street
Pittsburgh, PA 15222
412-471-7584
Urban League of Pittsburgh
Bldg. for Equal Opportunity
One Smithfield Street
Pittsburgh, PA 15222
412 ?27-4302, FAX 412-261-5207
N(on-'Jalley Unemployed Committee
120 E. 9`" Avenue
Homestead, PA 15120
412-462-9962
Credit Counselors ofPA
401 Wood Street, Suite 906
Pittsburgh, PA 15222
412-338-9954,800-737-2933
FAX 412-338-9963
Community Action Southwest
22 Wes[ High Street
Waynesburg, PA 15370
724-852-2893
Housing Opportunities
133 Sevenrh Street, PO Box 9 _
Mcl<eesport, PA IS132
412-G64-1906
FAX 412-664-0873
Credit Counselors of P.4
401 Wood Street, Suite 906
Pittsburgh, PA 15222
412-335-9954,800-737-2933
FAX 4 L-338-9963
CCCS of Westem PA, Inc.
971 3`" Street
Beaver, PA 15009
724-774-0798
Nton-Valley Unemployed Committee
120 E. 9`s Avenue
Homestead, PA 15120
472-462-9964,412-462-9962
Housing Opportunities, Inc.
133 7s' Street, PO Sox 9
McKeesport, PA 15134
412-664-1906 FAX 412-664-0873
BEDFORD COUNTY
Bedford-Fulton Housing Services
10241 Lincoln Highway
Everett, PA 15537
814-623-9129 FAX 814-623.7187
Keystone Economic Development Corp.
19>4 Mary Grace Lane
Johnstown, PA 15901
814-535-6556
FAX 814-539-1658
Weatherization Office
917 Mifflin Street
Huntingdon, PA 16652
874-b43-2343
CCCS of Westem PA, Inc.
Z17 E. Plank Road
Altoona, PA 16602
814-944-8100
FAX 814-944-5747
Tableland Services, Inc.
535 East Main Street
Somerset, PA 15501
814-445-9628,800-452.0148
FeUX 814-443-3690
BERKS COUNTY
Budget Counseling Center
247 North Fifth Street
Reading, P.4 19601
601-375-7866
FAX 6i0-375-7830
EOC of Schuylkill County
225 N. Centte Street
Pottsville, PA 17901
717-622-1995
FAX 777-623-0429
CCCS Lehigh Valley
3671 Crescent Court East
Whitehall, PA 18052
610-821-4011, 800-220-2 733 (814) only
FAX 610-821-8932
Community Housing Counselors, Inc.
PO Box 244
Kennett Square, PA 19343
610-444-3682
FAX 610-444-8243
BLAIR COUNTY
Bedford-Fulton Housing Services
RD 1 Box 384
Everett, PA 15537
814-623-9129
FAX 814-623-7187
CCCS of Western PA, Inc.
217 East Plank Road
Altoona, PA 16602
814-944-8100,814-944-5747
Keystone Economic Development Corp.
1954 Mary Grace Lane
Johnstown, PA 15901
814-535-6556
F.4X 814-539-1688
Weatherization Office
917 Ntifflin Street
Huntingdon, PA 16652
814-643-2343
BRADFORD COUNTY Coth. Dev. Corp. of Frankord Mon-Valleyt Unemployed Committee
9` Avenue
CCCS of Northeastern PA 4620 Griscom Street
~ 120 East
PA 15128
Homestead
1400 Abington Executive Park, Suite 1 Philadelphia, PA 19124 ,
412-462-9962
Clarks Summitt, PA 18411 215-744-2990 4X 412-462-9964
F
570-587-9163,300-922-9537 FAX 2i5-744-2012 .
FAX 570-587-9L3419135
Northwesr Counseling Services
Credit Counselors of PA
CCCS of Northeastem PA 5001 North Broad Street 401 Wood Street; Suite 906
PA 15222
h
Pittsbur
31 West Market Street Philadelphia, PA 19141 g
,
500-737-2933
412-338-9954
\Nilkes-Barre, PA 18702 215-324-7500 ,
FAX 412-333-9963
570-821-0837,800-922-9537 FAX 215-324-3753
FAX 570-821-1785
CCCS of Delaware Valley
CAMBRIA COUNTY
CCCS of Northeastem PA 1515 Market Street, Suite 1325 Bedford-Fulton Housing Services
9 South 7`h Street Philadelphia, PA 19107 RDS, Box 384
Stroudsburg, PA 18360 215-563-5665 Everett, PA li537
570-420-898Q,800-922-9537 FAX 215-864-2666 814-b23-9129
FAX 814-623-7187
FAX 570-420-3981
CCCS of Delaware Valley
CCCS of Northeastem PA 4606 Street Road
~ Indiana County CAP
Box 187
827 Water Street
1631 S Atherton Street, Suite 100 Trevose, PA 19047 .
PA 15701
Indiana
Statz College, PA 16801 215-563-5665 ,
814-238-3668, FAX 814-238-3669 412-465-2657
FAX 412-465-5118
CCCS of Lehigh Valley
The Trehab Center of Northeastern PA 3671 Crescent Court East
2
CCCS of Western PA
10 Puhtic Avenue
Montrose
PA ] 8801 Whitehall, PA 1805
610-821-4011, 800-220-2733 ~
219-A College Park Plaza
,
590-278-3338,800-982-4045 F.AX 610-821-8932 Johnstown, PA 15904
FAX 570-278-1889 814-539-6335
American Credit Counseling Institute
The Trehab Center of Northeastern PA 845 Coates Street CCCS of Western PA
Gzrmah Street, PO Box 389 Coatesville, PA 19320 217 East Plank Road
Dushore, PA 1S6S4 888-212-674] Altoona, PA 16602
570-928-9668,F.4X 570-928-8]44 814-944-8100
-
American Ctedit Counseling Institute ,
F.4X 814-9^''.4-5747
The Trehab Center of Northeastem PA 144 E Dekalb Pike
33 Walnut Street King of Prussia, PA 19406 Keystone Econ. Dev. Corp.
'v4'eilsboro, PA 1690! 610-971-2210 1954 Mary Grace Lane
'
570-724-5252 FAX 570-724-5783 FAX 610-265-4814 7ohnstown, PA 15901 ~
814-535-6556
The Trehab Center of Northeastem PA American Credit Counseling Institute FAX 314-539-1688
185 Elmira Street, PO $ox 2] 8 755 York Road, Suite 103
Troy, PA 1fi947 Warminster, P.A 18974 Tableland Services, Inc.
570-297-2101 215-444-9429 535 East Blain Street
FAX 215-956-6344 Somerset, P 15501
The Trehab Center of Northeastem PA 814-445-9628, 800-452-0148
t03 Warren Street, PO Box 709 BUTLER COUNTY FAX 814-443-3690
Tunkhannock, P.4 18657 Action Housing, Inc.
570-83G-6840, FAX 570-336-6332 425 6`h Avenue, Suite 950 CAivSERON COUNTY
Pittsburgh, PA 15219 Northern Tier CAP
The Trehab Center of Nottheastem P.4 41 Z-391-1956, 412-281-2102 PO BOX 389, 135 West 4'" Street
931 Main Street FAX 412-391-4572 EmpBrium, PA 15834
Honesdale, PA t 843 t 814-486-1 ] 61
570-253-8941 FAX 570-253-4817 Housing Opportunities, Inc. FAX 814-486-0825
650 Corporate Street, Suite 207
BUC$S COUNTY McKeesport, PA 15132 CCCS of Northeastern P.4
Acorn Housing Corporation 412-664-1590 1631 S. Atherton Street, Suite 100
846 North Broad Street FAX 472-664-0373 State College, PA 16801
Philadelphia, PA 19]30 ~ 814-238-3668
215-765-1221, FAX 215-765-1427 Housing Opportunities, Inc. FAX 814-238-3669 -
I33Seventh Street, PO Box 9
Bucks County Housing Group McKeesport, PA 15134 CCCS of Western PA
140 East Richardson Avenue 412-664-1906 217 East Plank Road
Lanehome, PA 19047 FAX 412-664-0873 Altoona, PA 16602
215-750-4310 FAX 215-750-4318 814-944-8100
CCCS of Westem PA FAX 814-944-5747
HACK YMCA Building
167 .gllegheny Avenue, 2nd FI 339 N Washington Street
Philadelphia, PA 19140 Butler, PA 16001
215-426-3025 FAX 215-426-9122 724-282-7812
CARBON COUNTY CHESTER COUNTY American CCI
EOC of~Schuylkill County Acom Housing Corporation 845 Coates Street
PA 19320
Coatesville
225 north Center Street 846 North Broad StreeE ,
Poasville, PA 1790] Philadelphia, PA 19130 388-212-6741
570-622-1995
4X 570-623-0429
F 215-765-1231
FAX 215-765-1427
American CCI
. 144 E Dekalb Pike
CCCS of Lehigh Valley Budget Counseling Center King of Prussia, PA 19406
3671 Crescent Court East 247 North Fifth Street 610-971-2210
Whi[ehall, PA 18052 Rending, PA 19601 FAX 610-265-4814
610-321-4011,800-220-2733 610-3T-7866
717 and 814 only tt-or $00 FAX 215-375-7830 American CCI
FAX 610-821-0137 755 York Road, Suite 103
HACE Warminster,PA 18974
CCCS of Dlortheastem PA 167 W. Allegheny Avenue, 2"d Floor 215-444-9429
1400 Abington Executive Park, Suite 1 Philadelphia, PA 19140 FAX 215-956-6344
Clarks Summitt, PA 184] l
570-587-9] 63, 800-922-9537 215.426-8025
FAX 215-426-9122
CLARION COUNTY
F.4X 570-587-9134!9135 CCCS 8f Western Pennsylvania, Inc.
Media Fellowship House YMCA Building, 339 N Washington Street
CCCS of Northeastern PA - 302 S. Jackson Street Butler, PA 16001
31 W Market Street Media, PA 19063 412-282-7812
Wilkes-Sarre, PA 18702 610-565-0846
570-821-QS37
800-922-9537 FAX 610-565-8567 CLEARFIELD COUNTY
,
FAX 570~~821-1785 Keystone Economic Development Corp.
Tabor Community Services, Inc. 1954 Mary Grace Lane
CCCS of Northeastern PA 439 East King Street Johnstown, PA 15901
9 South T" Street Lancaster, PA 17602 814-535-6556
Stroudsburg, PA 18360 717-397-5182, 800-788-5062 (Ii. O. only) FAX 814-539-1688
570-420-8980,800-922-9537 - FAX 717-399-4127
F a \ 570-42D-8981
American Red Cross of Chester Indiana Co. CAP
CCCS ofNonheastem PA 1729 Edgemont Avenue 827 Warer Street, Box 187
1631 S Atherton Street, Suite 100 Chester: PA 19013 Indiana, PA 15701
Stale College, PA 16801 610-874-1484 724-465-2657
514-238.3668 FAX 724-465-5118
FAX 814-238-3669 Northwest Counseling Services
5001 N. Broad Street CCCS of Westzm PA, Inc.
CEO orLuzeme County Philadelphia, PA 19141 217 E Plank Road
163 Amber Lane 215-324-7500 Altoona, PA 16602
Wilkes-Barre, PA 18702 FAX 215-324-8753 814-944-8100
570-826-0510,800-822-0359 FAX 814-944-5747
FAX 5 i0-829-1665 -CALL FIRST CCCS of Delaware Valley
57U-455-4994 Hazteton 1515 Market Street, Suite 1325 CCCS of Northeastern PA
FAX 570-455-5631 - CALLFIRST Philadelphia, PA 19107 ]631 5 Atherton Street, Suite 100
570-836-4090 Tunkhannock 2li-563-5665 State College, PA 16801
FAX 215-563-7020 814-238-3668
CENTRE COUNTY FAX 814-238-3669
CCCS of Western PA, Inc. Community Housing Counseling Inc.
217 East Plante Road PO Box 244 CCCS of Western PA
Altoona, PA 16602 Kennett Square, PA 19348 219 :4 College Park Plaza
814-944-8100 61D-444-3682 Johnstown, PA 75904
FAX 814-944-5747 FAX 610-444-8243 814-539-6335
Lycoming-Clinton Co STEP Philadelphia Council for Community Adv. CLINTON COUNTY
138 Lincoln Street, PO Box 1325 100 North ]7`h Street, Suite 600 Lycoming-Clinton Counties STEP
Williamsport, PA ]7703 Philadelphia, PA 19103 2138 Lincoln Streit, PO Box 1328
570-326-0587 215-567-7803 Williamsport, PA 17703
F.AX 570-322-2197 FAX 215-963-9941 570-326-0587
FAX >70-322-2197
CCCS of Northeastern PA CDC of Frankford Group Ministry
1631 S Atherton Street, Suite 100 4620 Griscom Street CCCS of Northeastern PA
Sate College, PA 16801 Philadelphia, PA 19124 201 Basin Street
814-238.3665 215-744-2990 Williamsport, PA 17703
FAX 814-235-3669 FAX 215-744-2012 570-323-6627
FAX 570-323-6626
CCCS of Northeastern P.4 CCCS of Delaware Valley
201 Basis Street Marshall Building 1631 S Atherton Street, Suite 100
Williamsport, PA 17703 790 E Market Street, Suite 215 State College, PA 16801
570-323-6627 West Chester, PA i 9382 814-238-3668
FAX 570-323-6626 215-563-5665 FAX 814-238-3669
COLUMBTA COUNTY
CCCS of Northeastern P.4
1400 Abington Executive Park, Suite 1
Clarks Surrunitt, P.A 1841 l
576-587-9163,800-922-9537
FA.X S70-S87-9134/9135
CCCS of Northeastern PA
31 W Market Street, PO Box 1127
Wilkes-Barre. PA 18702
570-821-0837,800-922-9537
FAX 570-821-1735
CEO of Luzerne County
163 Amber Lane -
Wilkes-Barre, PA 18702
570-826-0510,800-822-0359
FAX 570.829-1665 -CALL FIRST
570-455-4994 Hazleton
F.4X 57D-455-5631- CALL FIRST
570-836-4090 Tunkhannock
CRAWF'ORD COUNTY
Booker T. Washington Center
1720 Holland Stree*.
Erie, PA 16503
814-453-5944
FAX 814-453-5749
lohn F. Kennedy Center, Inc.
2031 East 20`" Street
Erie; PA 16510
814-898-0400
FAX 814-898-1243
Greater Erie Comnty Action Committee
18 West 9'" Street
Erie, PA 16501
814-459-4581
FAX 814-456-0161
Shenango Valley Urban League, Ittc
601 [ndian~ Avenue
Farrell, pA 16121
413-981-5310
CUMBERLAND COUNTY
?.dams County Housing Authority
139-143 Carlisle Street
Gettysburg, PA 17325
717-334-1518
FAX 717-334-8326
Financial Counseling Services of Franklin
31 Wegt 3rd Street
Waynesboro, P.4 17268
717-762-3285
CCCS of Western PA, Inc.
2000 Linglestown Road
Harrisburg, PA 17102
717-541-1757
Urban League of Metropolitan Harrisburg
N 6'" Street
Harrisburg, PA 17101
717-2345925
FAX 717-234-9459
CAC of the Capital Region
1514 Derry Street
Hatsisburg,PA 17104 ~-°
717-232-9757
F.4X 717-234-2227
YWCA of Carlisle
301 G Street
Carlisle, PA 17013
717-243-3818
FAX 717-731-9589
DAUPHIN COUNTY
CCCS OF Western PA, Inc.
2000 Linglestown Road
Harrisburg, PA 17102
717-541-1757
FAX 7 i 7-541-4670
CAC of the Capital Region
1514 Derry Street
Harrisburg, PA 17104
717-232-9757
FAX 717-234-2227
Urban9.eague of Metro Harrisburg
2107 North 6`^ Street
Harrisburg, PA 17101
717-234-5925
FAX 717-234-9459
DELAWARE COUNTY
Acorn Housing Corporation
846 North Broad Street _
Philadelphia, PA 19li0 - -
215-765-1221
FAX 2li-765-1427
CCCS ~of Delaware Valley
1515 Market Street, Suite 1325
Philadelphia, PA 19107
215-563x665
FAX 215-864-2666
Media Fellowship House
302 Souih Iacksotl.Street
Media, PA 19063
610-565-0846
FAX 610565-8567
RACE
167 W. Allegheny Avenue, 2"d Floor
° Philadelphia, P.4 19140
215-426-8025
FAX 215-426-9122
Phila Council for Community Advancement
100 North 17`"Street, Suite 600
Philadelphia, PA 19103
215-567-7803
FAX 215-963-9941
American Red Cross of Chester
1729 Edgemont Avenue
Chester, PA 19013
610-874-1484
ACCT
175 Strafford Avenue, Suite 1
Wayne, PA 19087
610-971-2210
FAX 610-687-7860
Northwest Counseling Service
5001 North Broad Street
Philadelphia, PA 19141
215-324-i500,FAX 215-324-3753
Community Housing Counselor, lnc.
PO BOX 224
Kennett Square, P.4 19348
610-444-3682
FAX 610-444-8243
Community Devel Corp of Frankford
Group Ministry
4620 Griscom Sneet
Philadelphia, PA 19124
215-744-2990
FAX 215-74.1-2012
CCCS of Delaware Valley
280 North Providence Road
Media, PA 19063
215-5635665
ACCI
144 E. Dekalb Pike
King of Prussia, PA 19406
610-971-2210
Pager610-973-6219
ELTt COUNTY
Northern Tier CAC 2021
PO Box 389, 135 West 4d' Street
Emporium, PA 15834
814-486-1161
FAX 514-486-0825
John F. Kennedy Center, Inc.
East 20'" Street
Erie, PA 16510
514-898-0400
FAX 814-898-1243
ERIE COUNTY
Booker T. Washington Center
1720 Holland Street
Erie, PA ]6503
814-453-5744
FAX 314-453-5749
Greater Erie Community Action Committee
18 Wesi 9`h Street
Erie, PA 16501
814-459-4581
FAX 814-456-0161
Sohn F. Kennedy Center, Inc.
2010 East 20d' Street
Erie, PA 16510
814-898-tr400
FAX 814-898-1243
FAYETTE COUNTY
Action Housing [r:c.
425 6d' Avenue, Suite 950
Pittsburgh, PA li219
412-39t-195G,412-281-2102
FAX 412-391-4512
Mon Valfev Unemployed Committee
120 East 9'i' Avenue
Homestead, PA 1 ~ 120
412-462-9962
Tableland Services, Inc
131 Notth Center Avenue
Somerset, Pa 15501
814-445-9628
FAX 814-443-3690
CCCS of Western PA, Inc
1 North Gate Square
2 Garden Center Drive
Greensburg, PA 15601
724-s3s-ivo
Community .Action Southwest
22 West High Street
Waynesburg, P.4 15370
724-852-2893
Fayette Co Community Action Agency
137 North Beeson Avenue
Uniontown, PA 15401
724-437-6050,80Q-427-INFO
FAX 724-437-4418
CCCS of V/estem PA
199 Edison Street
Uniontown, Pa 15401
724-439-8939
FOREST COUNTY
Warren-Forest CEOC
204 Liberty Street, p0 Box 547
Warren, PA 16363
814-726-2400
FAX 814-723-0510
FRANKLIN COUNTY
Adams County Housing Authority
139-143 Carlisle Street
Gettysburg, PA 17325
717-334-li 18
F.AX 717-334-8326
CCCS of Western PA
2000 Linglestown Road
Harrisburg, PA 17102
717-541-1757
FAX 717-541-4670
Urban League of Metropolitan Harrisburg
2107 N 6d' Street
Harrisburg, PA 1 7101
717-234-5925
FAX 717-234-94$9
CAC of the Capital Region
1514 Derry Street
Hanrisburg, PA 17104
717-232-9757
FAX 717-234-2'_127
Financial Services Unlimited
31 West 3`d Street
Waynesboro, PA 17268,
717-762-3285
CCCS of Western PA, Inc.
912 South George Street
York, PA 17403
717-846-4176
YWCA of Carlisle
301 G Street
Carlisle, PA 17013
717-243-3815
FAX 717-243-3948
American Red Cross-Hanover Chapter
529 Carlisle Street
Hanover, PA 17331
717-637-3768
FAX 717-637-3294
FULTON COUNTY
Bedford-Fulton Housing Services
RD 1, Box 384
Everett, PA 15537
814-623-9129
F.4X 814-323-7187
CCCS of Westem PA, Inc.
912 South George Street
York, P.4 17403
717-546.4176
Financial Counseling Services of Franklin
31 West 3rd Street
Waynesboro,PA 17268
717-762-3285
Weatherization Office
917 Mifflin Street
Huntingdon, PA 16652
814-643-2343
GREENE COUNTY
Action Housing, Snc,
425 Gih Avenue, Suite 950
Pittsburgh, PA 15219
412-391-1956,412-281-2102
FAX 412-391-4512
Community Action Southwest
22 West High Street
Waynesburg, P-4 15370
724-852-2893
FAX 724-627-7713
Mon-Valle Unemployed Committee
120 East 9' Avenue
Homestead, PA 15120
412-462-9962
FAX 41?-462-9964
CCCS of Westem PA, Inc.
1 North Gate Square
2 Garden Center Drive
Greensburg, PA 15601
724-838-1290
HUNTINGDON COL'-ATY
Bedford-Fulton Housing Services
RD I , B~px 3 84
Everett, PA 15537
814-623-9129
FAX 814-623-7187
Weatherization Office
917 Mifflin S[ree[
Huntingdon, P.4 16652
814-643-2343
CCCS of Western PP., Inc.
217 E. Plank Road
Altoona, PA 16602
814-944-8106
FAX 814-9445747
INDIANA COUNTY
CCCS OFWestem PA, Inc.
1 North Gate Square
2 Garden Center Drive
Greensburg, PA 15601
72a-83s-129o
Keystone Economic Development Corp.
1954 Maly Grace Lane
Johnstown; PA 15901
814-535-6556
F.4X 814539-1688
Indiana County CAP
827 Water Street, PO Box 187
Indiana, PA 15701
724-465-26.17 ~ - -
F.AX 724-465-51]8 ~ -
CCCS of Western PA
219-A a ollege Park Plaza
Johnstown, P.a. 15904
514-539-6335
JEFFERSON COUNTY
John F. Kennedy Center, Inc.
2021 East 20'h Street
Erie, PA 165 t 0
814-898-0400
FAX 814-898-1243
Indiana County CAP
827 Water Street, Box 187
Indiana, PA 15701
724-465-2657
FAX 724-465-5118
CCCS of Western PA, Inc.
YMCA Building, 339 North Washington Street
Butler, PA 16001
724-232-7812
JUNIATA COUNTY
CCCS of Western P.4, Inc.
217 E. Plank Road
Altoona, PA 16602
814-944-8100
FAX 814-944-5747
Weatherization Office
917 Mifflin Street
Huntingdon, PA 16652
814-643-2343
LACKAWANNA C017NTY LEHIGH. COUNTY CCCS of Westem PA, Inc.
339 N Washington SYree[
YMCA $uildine
CCCS of Northeastern Pennsylvania EOC of Schuylkill County ,
4 16001
Butler
P
1400kbingmn Executive PaYk, Suite 1 225 North Centre Street ,
,
.
724-282-7812
Clarks Summitt, PA 18411 Po«sville, PA 17901
510 587-9163 or 800 955-9537 570-622-1995
MIFFLIN COUNTY
FAX 57D 587-9134/9li5 FAX 570-622-0429 CCCS of Western PA, Inc.
CCCS of Northeastern Pennsylvania CCCS of Lehigh County 217 E. Plank Road
3l W Market Street, PO Box 1127 3671 Crescent Court East Altoona, PA 16602
bVilkes-E3arre , P.4 18702 Whitehall, PA 18052 874-944-8100
570 821.0837, 500-922-9537 610-821-4011, 800-220-2733 F.4X SA4-9445747
FAX 570-821-1785 F.4X 610-821-8932
CCCS of Northeastem PA
LANCASTER COUNTY LUZERNE COUNTY 1631 S. Atheron Street, Suite ]00
Community Housing Counselors, Inc. CCCS of Northeastem PA State Coltege, PA 16501
PO Box 24d 3I W. Market Street, PO Box 1127 874-238-3668
Kennett Square, PA 19348 Wilkes-Barre,PA 18702 FAX 814-238-3669
215-444-3682 570-821-0837,800-922-957
FAX 215-14?-3178 FAX 570-821-1785 Weatherization Office
917 Mifflin Sreet
CCCS of Western Pennsylvania, Inc. CEO of Luzerne County Huntingdon, PA 16652
912 South veorge Street 163 Amber Lane 814-643-2343
York, PA 17403 Wilkes-Barze,PA 18702
717-846-1176 570-826-0510, 800-822-0359 MONROE COUNTY
FAX 570-829-1665 -CALL FIRST CCCS of Northeastern PA
CCCS of Irhigh Valley 570-455-9994 HAZELTON 31 W. Market Street, PO Box 1127
3677 Crescent Cour East FAX 570-455-5631 - CP.LL FIRST Wilkes-Barre, PA 18702
Whitehall
PA 18052 570-836-4090 TUNKHANNOCK 570-82;-0837, 800-922-9537
,
215-821-4011,500-220-2733 FAX 570-321-1785
(717) and 18141 ONLY ~ CCCS of Northeastern PA
FAX 215-521-8932 1400 Abington Executive Park, Suite 1 CCCS of Northeastern PA
Clarks Summitt, P.4 18411 411 Main Street, Suite 102
Tabor Community Services, Inc. 570-587-5163, 800-922-9537 Stroudsburg, PA 18360
439 East King Street FAX 570-587-9134/9135 570-420-8980, 800-922-9537
. ~ Lancaster, PA 17602 - - FAX 570-420-8981
717-39 i-5182 or 800-788-5062 EOC of Schuylkill County
FAX 717 99-4727 225 North Cenne Street CCCS of Northeastern PA
Pottsville, PA 17901 1400 Abington Executive Park, Suite 1
LA4VItSN'CE COUNTY 570-622-1995 Clarks Summitt, PA 18411
CCCS of Western Pennsylvania FAX 5 70-622-0429 570-587-9163, 800-922-9537
]" Federsl Plaza, Suite 406 FAX 570-587-9134/9135
North Mill Street LYCOMING COUNTY
New Castle, PA 16101 CCCS of Northeastern PA CEO of Luzetne County
724-652-5074 31 W. Market Street, PO Box 1127 163 Amber Lane
Wilkes-Barre, PA 18702 Wilkes-Barre, PA 18702
312 ChesmutStreet,Suite 227 570-821-0837,80Q.-922-9537 570-326-0510,800-522-0329
Meadville, PA 16335 FAX 570-821-]7S5 F.4X 570-829-1665 -CALL FIRST
814-333-8570 570-455-4994 HAZELTON
CCCS of Northeastem PA FAX 570-455-5631 -CALL FIRST
Sbenango Valley Urban League, Inc. - J 400 Abington Executive Park, Suite t 570-836-4090 TUNI<HANNOCK
601 Indiana Avenue Clarks Summitt, P.4 1841 l
Farrell, PA 16121 570-587-9163, 800-922-9537 MONTGOMERY COUNTY
724-9815:10 FAX 570-587.9134/9135 Acorn Housing Corporation
846 North Broad Street
Housing Opportunities of Beaver County CCCS of Northeastern PA Philadelphia, PA 19130
650 Corporation Street, Suite 207 201 Basin Street 215-165-]221
Beaver, P.4 15009 Williamsport, PA 17703 FAX 215-765-1427
724-728-7202 570-323-6627
FAX 570-323-6626 CCCS of Delaware Valley
LEBANON COUNTY ~ Nomstown Business Center
EOC of Schuylkill County ~ Lycoming-Clinton Counties STEP 190 \V. Germantown Pike, Suite 140
225 North Centre Street Z I38 Lincoln Street, PO Box 1328 Norristown, PA 19401
Pottsville, PA !7901 Williamsport, PA 17703 2li-563-5665
570-6622-1995 57D-326-0587
F.4X 570-622-0429 FAX 570-322-2197 CCCS of Delaware Valley
li 15 Market Street, Suite 1325
Tabor Community Services, Inc. MCKEAN COUNTY Philadelphia, P.4 19107
439 $as[ King Street Shenango Valley Urban League, Inc. 215-563-5665
Lancaster, PA 17602 601 Indiana Avenue FAX 215-864-'_666
717-397-5132, 500-788-5062 Farrell, PA 16121
FAX 717-399-4127 724-951-5310
"c .
Northwest Counseling Service NORTHUMBERLAND Ntorthwest Counseling Service
SDOI N. Broad Street CCCS of Northeastern P.4 - SDDI N Broad Street
Philadelphia, PA 19141 31 W Market Street, PO Box 117.7 Philadelphia, P.4 19141
215-324-7500 Wilkes-Barre,TA 18702 215-324-7500
FAX 215-324-8753 570-821-DS37,800-932-9537 FAX 215-324-8753
FAl'S70-821-1755
Community Action Dzvelopment Comm CCCS of Delaware Valley
113 East Main Strec[ CCCS of Northeastern PA 1515 Market Sneet, Suite 1325
Norristown, PA 19401 1400 Abington Executive Park, Suite 1 Philadelphia, PA (9 t07
610-277-6363 Clarks Summitt, PA 18411 215-563-5665
FAX 610-Z77-2123 570-587-9163,300-922-9537 FAX 215-864-2666
FAX 570-587-9134/9135
Community Housine Counselors Inc.
PO box 244
CCCS of Northeastern PA RACE
167 W Allegheny, 2nd floor
Kennett Square, PA 19348 201 Basin Street Philadelphia, PA 19140
215-444-3652 Williamsport, PA 17703 215-436-8025
FAX 2 i5~44-8243 570-323-6627 FAX 215-426-9122
FAX 570-323-6626
Media Fellowship House Media Fellowship House
302 S. Iackson Street EOC of Schuylkill County 302 S Iackson Street
Media, PA 19063 225 North Centre Street Media, PA 19063
610-565-OS46 pottsville,PA 17901 610-565-0846
FAX 610-565-3567 570-622-1995 FAX 610-565-8567
- F.4X 570-622-0429
American Credit Counseling Institute PCCA
845 Coates Street PERRY COUNTY 100 N ]7d' Street, Suite 600
Coatesville, PA 19320 ° ° CCCS of We°stem PA, Inc. Philadelphia, PA 19]03
888-212-6741 2000 Linglestown Road 215-567-7803
Harrishurg, PA 17102 FAX 215-963-9941
Phila. Council Far Conununity Advmnt 717-541-1757
100 North 17`h Street Suite 600 FAX 717541-4670 CCCS of DelawareValley
Philadelphia; PA IS 103 One Cherry Hill, Suite ? I S
215-SG7-7803 Urban league of Metro Harrisburg Cherry Hill, NJ 08002
FAX 215-963-9941 ~ 2107 North 6d' Street ~ 215-563-5665
Harrisburg, PA 17101-
American Credit Counseling Institute 777-234-59ti ~ ~ Housing Assoc. of Delaware Valley
144 E Dekalb Pike FAX 717-234-9459 1500 Walnut Street, Suite 601
King of Prussia, PA 19406 Philadelphia, PA 19102
610-971 ?210 . -YWCA of Carlisle 215-545-6010
FAX 610-265-4814 301 G Street FAX 215-790-9132
Carlisle, PA 17013
American Credit Counseling Institute 717-243-3818 Housing Assoc. of Delaware Valley
755 Yorlc Road, Suite 103 FAX 717-243-3948 658 North Watts Street
Warminster, PA 18974 Philadelphia, PA 19123
215-44't-9429 Financial Counseling Services of Franklin 215-978-0224
FAX 215-956-6344 31 West 3`d Street FAX 215-765-7614
Waynesboro, PA 17268
N[ONTOUR COUNTY 717-762-3285 ~ Community Devel. Corp of Frarilcford
CCCS efNorthzastem PA Group Ministry
31 PJ. Market Street, PO Box 1127 Weatherization Office 4620 Griscom Street
Wilkes-Barre, PA 18702 917 Mifflin Street Philadelphia, PA 19124
570- 321-0837, 800-922-9537 Huntingdon, PA 16652 215-744-2990
F.4X 570-821-I 185 814-643-2343 FAX 2li-744-2072
CCCS of Northeastern PA CAC ot--the Capital Region American Credit Counseling Institute
1400 Abington Executive Park, Suite 1 1514 Derry Street 845 Coates Street
Clarks Sununitt, PA 18411 Harrisburg, PA 17104 Coatesville, PA 19320
570-587-9163;8D0-922-9537 717-232-9757 885-212-6741
FAX 570-587-9134/9 t35 FAX 717-234-2227
Ameriten Credit Counseling institute
NORTHHAMPTON COUNTY PHILADELPHIA COUN'T'Y 144 E Dekalb Pike
CCCS of Lehigh Valley Acorn Housing Corporation King of Prussia, PA 19406
3671 Crescent Court Eas[ 846 North Broad Street 610-971-2210
Whitehall, PA 18052 Philadelphia, PA 19130 FAX 610-265-4814
610-821-+;011 215-765-1221
800-220-2733 (717) and (814) ONLY FAX 215-765-1427 American Credit Counseling Institutz
FAX 61 D-S21-3932 ~. ~ 755 York Road, suite 103
Warminster, PA IS974
215-444-9429
- FAX 215-956-6344
P[KE COUNTY
CCCS of Northeastem Pennsylvania
3l W. Market Street
'J/ilkes-Barre, PA 18702
570-321-0837,800-922-9537
FAX 570-821-1785
CCCS of Northeastern Pennsylvania
1400 .Abineton Executive Park, Suite 1
Clarks Summitt, PA 1841 l
570-5879163,800-922-9537
PAX 570-587-913419135
CCCS of Northeastern Pennsylvania
9 South 7`h Street
Stroudsburg, PA !8360
570-42U-8980,800-922-9537
FAX 510-420-8981
POTT$R COUNTY
Noahem Tier CAC
135 West 4'a Street
Emporium, PA 15834
814-486-1161
F.AX 814-486-0825
SCHUYLKILLCOUNTY
Budge[ Counseling Center
??7 Nnrth Fifth Street
Reading, PA 19601
610-375-7366
FAX G 1 D-375-7830
CEO of Luzerne County
163 Amber Lane
Wilkes-Barre, PA 18702
570-826-0510,800-822-0359
F.AX 570-829-1665 -CALL FIRST
570-455-4994 HP.ZELTON
FAX 5 i0-455-5631 -CALL FIRST
570-836-4090 TUNICIJANNOCK
E 0 C' of Schuylkill Co
225 N Centre Street
Pottsville, PA 17901
570-622-1995
F.4X 570-622-0429
CCCS of Lehigh Valley
PO Box A
Whitehall. PA 18052
610-821-4011
FAX 610-821-8932
SN4'f)ER COUNTY
CCCS of Westem Pennsylvania, Inc.
2000 Linglestown Road
Hzrrisburg, PA 17102
717-541-1757
FAX 717-sal-4670
Urban League of Metro Harrisburg
2107 N. 6°i Street
Harrisburg, PA 17101
717-234-5925
F.AX 717-234-9459
SOMMERSET COUNTY
Bedford-Fulton Housing Services
RDI,Box384 '
Everett, PA 15537
814-623-9129
FAX 814-623-7187
CCCS OF Western P.A, ]nc.
1 Nonh Gate Square
2 Garden Center Drive
Greensburg,PA 15601
724-838-1290
Tableland Services Inc.
535 East Main Street
Somerset, PA 15501
814-445-9628,800-452-0748
FAX 814-443-3690
Keystone Economic Dev. Corp.
1954 Mary Grace Lane
Johnstovrtt, PA 15901
814-535-6556
FAX 814-539-1688
CCCS of Westem PA
279-A College Park Plaza
Johnstown, PA 15904
814-539-6335
SULLIVAN COUNTY
CCCS ofNortheastem PA
1?00 Abington Executive Park, Suite 1
Clarks Summitt, PA ]841 I
570-587-9163,800-922-9537
FAX 570-587-9134'9135
31 West Market Street
Wilkes-Barre, PA 18702
570-821-0837,800-922-9537
FAX 570-821-1785
The Trehab Center ofNortheastem PA
185 Elmira Street
PO Box 218
Troy, PA 16947
570-297-2101
FAX 570-297-2799
17 Grafton Street
Wellsboro, PA 16901
570-724-5252
FAX 570-724-5783
103 Warren Sheet, PO Box 709
Tunkhannock, PA 18657
570-836-6840
FAX 570.836-6332
German Stree[, PO Box 389
Dushore, PA 18614
570-928-9668
FAX 570-928-8144
7 Lake Avenue, Box 339 ,
Montrose, PA 18801
570-378-3338,800-982-4045 0
FAX 570-278-1889
SUSQUEHANNA COUNTY
CCCS ofNortheastem PA
1400 Abington Executive Paric, Suite 1
Clarks Summitt, PA 18411
570-587-9163,800-923-9537
FAX 570-587-9134/9135
31 Rest Market Street
Wickes-Barre, PA 18702
570-821-0837,800-922-9537
FAX 570-82]-1785
Trehab enter of Northeastern PA
185 Elmira Street
PO Box 21 S
Tro;•, PA 16947
570-297-2101
FAX 5r0-297-799
German Street, PO Box 389
Dushore, PA 18614
570-923-9668
FAX 570-928-5144
17 Grafton S[reet
Wellsboro, PA 16901
570-734-5252 - -.
FAX 570-724-5783
103 Warren Street, PO Box 709
Tunkhannock, P.A IS657
576-536-6840
FAX 570-336-6332
931 Main Street
Honesdale, PA ] 8431
570-253-8941
FAX 570-253-4817
7 Lake .Avenue, Bux 339
Mcnirose, PA 18801
570-278-3338,800-982-4045
FAX 570-278-1889
TIOGA COUNTY
CCCS of Northeastem PA
1400 Abington Executive Park, Suite 1
Clarks Summitt, PA 1847 1
570-587-9134,800-922-9537
FAX 570-587-9!34/9135
e
31 West Market Street
Wilkes-Barre, PA 18702
507-821-0837,800-922-9537
F.SX 570-821-1785
Trehab Center of Northeastem PA
CAC of the Capital Region 931 Main Street 185 Elmira Street, PO Box 218
1514 Derry Street Honesdale, PA 18431 Troy, PA 16947
Harristiyrg, PA 17104 570-213.8941 570-297-210]
717-732-9757, FAX 717-234-2227 FAX 570-253-4817 FAX 570-297-2799
17 Crofton Street WARREN COU?VTY 3l West Market Street
16901
PA
Wellsboro Booker T. Washington Center Wilkes-Barre, PA 18702
,
.
570-724-5252 1720 Holland Street 570-823-0837,800-922-9537
FAX 570-72u-5783 A Erie, PA 16503 FAX 570-821-1785
814-453-5744
103 Wanen Street, PO Box 709 FAX 814-453-5749 The Trehab of NE PA
Tunkitannock, PA 18657
PO Box 218
185 Elmira Sneer
570-336-6840 ~ Greater Erie CAC - ,
FAX 570-836-6332 18 West 9'" Street _ Troy, PA 16947
Erie, PA 16501 570-297-2101
German Street, PO Box 389 814-459-458] FAX 570'-297-2799
Dushore, PA 18614 FAX 814-456-0161
570-928-9668 17 Crofton Street
FAX 570-928-8144 Warren-Forrest Counties EOC Wellsboro, PA 16901
l209PennsylvaniaAvenue,West 570-724-5252
931 Main Street PO Box 547 F.4.X 570-724-5783
Honesdale, PA 18431 Warren, PA 16365
PO Box 709
103 Warren Sneet
570-253-8941 814-726-2400 ,
FAX 570-253-4817 FAX 814-723-0510 Tunkhannock, PA 18657
570-836-6840
7 Lake Avenue, Bo;:339 WASHINGTON COUNTY FAX 570-836-633?
Montrose, PP; 18801 Action Housing, Inc.
570-278-3338, 800-982-4045 425 6`h Avenue, Suite 950 German Streei, PO Box 389
FAX 570-278-1889 Pit[sburgh, PA 15219 Dushore, PA 18614
412-391-1956,412-281-2102 570-928-9668
UNION COUNTY FAX 412-391-4512 FAX 570-928-8144
Lycoming-Clinton County STEP
2138 Lincoln Street, PO Box 1328 CCCS of Western P.4, Inc. 931 Main Street
Williamsport, PA 17703 1 North Gate Square Honesdale, PA 18431
570-326-0587 2 Garden Center Drive 570-253-5941
FAX 570-322-2197 Greensburg, PA 35601 FAX 570-253-4817
724-838-1290
CCCS of Western Pennsylvania, Inc. WESTMORELAND COUNTY
? 17 East Planlc Road ~ Housing Opportunitizs, Inc. .4ciion Housing, Inc.
Altoona, P.9 16602 133 Seventh Street 425 6'b Avenue, Suite 950
814-944-8100 - ~ McKeesport, PA 15132 Pittsburgh, PA 15219
FAX 814-944-5747 412-664-1590 412-39]-1956,412 281-2102
FAX 412-664-0873
CCCS of.Northeastern Pennsylvania Community .4c[ion Southwest
Credit Counselors of PA 22 West High Sneet
3 t W. Nlarket Street, PO Box 1127 401 Wood Street, Suite 906 Waynesburg, PA 15370
Wilkes-Bane, PA 18702 Pittsburgh, PA li222 724-852-2893
570-821-0837,800-922-9537 412-338-9954,800-737-2933
FAX 570-821.1785 FAX 412-338-9963 CCCS of Western PA, Inc.
1 North Gate Square
140D Abington Executive Park, Suite 1 Corrununity Action Southwest 2 Garden Center Drive
Clarks Sununitt, PA 18411 22 West High Street Greensburg, PA ] 5601
570-587-9163,800-922-9537 Waynesburg,PA 15370 724-838-1290
FAX 570-587.9134/9135 724-852-2893
Housing Opportunities, Inc.
201 Basin Street 53 N. College Street 133 Seventh Street
Williamsport, P.4 17703 Washington, PA 15301 McKeesport, PA 15132
570-323-6627 724.222_g292 412-664-1590
FAX 570-323.6626 FAX 412-664-0873
Mon-Valley Unemployed Committee
VENANGO COUNTY IZO East 9'^ Avenue Keystone Economic Devel. Corporation
Grearzr Erie Community Atzion Commi[tee Homestead, PA 15120 1954 Mary Grace Lane
I S West 9'" Streer 412-462-9962 Iahnstown, PA 15901
Erie, PA 16501 FAX 412-462-9964 814-535-6556
814-459-1581
~ FAX 814-539-1688
•
FAX 814-456-0163 ~ . ~ WAYNE COUNTY
CCCS of Northeastern PA Tableland Services Inc.
CCCS of Western Pennsylvania, Inc. 535 East Main Street
339 N. Washington Street, YMCA Bldg. 1400 Abington Executive Park, Suite 1 Somerset, PA 755Q1
Butler, PA 16001 Clarks Sutnmitt, PA 18411 814-445-9628, 800=152-0148
412-282-7812 570-537-9163,800-922-9537 FAX 814-443-3690
FAX 570-587-9134/9135
John R Kennady Center, Inc. - 199 Edison Street
2021 East 20°i Street 9 South 7`" Street Uniontown, P.A 15401
Erie, PA 16510 Stroudsburg, PA 18360 724-439-8939
614-898-0400, FAX 814-898-1243 570-420-8980,FAX 570-420-8981
Indiana County CAP
827 Water Street, Box 187
Indiana, PA li701
724-456-2657 FAX 724-456-5118
Mon-Valley Unemplgyed Committee
120 East 9'" Avenue
Homestead, PP. 15120
412-462-9962
FAX 4 i 2-462-9964
Credit Counselors of pA
401 Wood Street, Suite 906
Pittsburgh, PA 15222
412-333-9954,800-737-2933
F.4X ?12-338-9963
WYOtYLING COUNTY
CEO of Luzeme County
163 Amber Lane
Wilkes-Barre, PA 18701
Si0-826-0510,800-822-0359
FAX 570-829-1665 -CALL FIRST
570-455-4994 HA2ELTON
FAX 570-455-5631- CALL FIRST
570-836-4090 TUNKHANNOCK
CCCS of Northeastern PA
1400 Abington Executive Park, Suite 1
Clarks Surnmitt, PA 18411
570587-9163, 80U-922-953 7
FAX 570-587-9134/9135
31 West Market Street
W likes-Barre, PA 18702
570-821-0837,300-922-9537
FAX_ 5 70-821-1735
The-Trehab Center of NE PA
i Lake Avenue, Eox 339
Montrose, PA 18801
570-278-3338,800-982-4045
FAX 570-278-] 889
185 Elmira Street, PO Box 213
Troy, PA 16947
570-297-2101
FAX 570-297-2799
17 Crofton Street
Wellsboro, PA 16901
570-724-5252, FAX 570-724-5783
103 Warren Street, PO Box 709
Tunkhannock, PA iS657
57U-336-6840
FP.X 570-836-6332
German Street, PO Box 389
Dushore, PA 18614
570-928-9668
FAX 570-928-S144
931 Main Street
Honesdale, PA 18431
570-253-5941
FAX 570-253-4817
YORK COdINTY
Americar. Red Cross-Hanover Chapter
529 Caiiisie Sheet .~
Hanover, PA 17331
717-637-3768
FAX 717-637-3294
Housing Council of York
116 North George Street
York, PA ]7401
717-854-1541
FAX 717-845-7934
CCCS of Westem PA, Inc.
2000 Linglestown Road
Harrisburg, PA 17102
717-541-1757
F.4X 717-54]-4670
CCCS of Westem PA, Inc.
912 South George Street
York, PA 17403
717-546-4176
Adorns County Housing Authority
13$143 Carlisle Street o
Gettysburg, PA 17325
717-334-1518
FAX 717-334-5326
~°
HOUSING AND URBAN DEVELOPMENT ("HUD") NOTIFICATION
IMPORTANT NOTICE OF THE HOUSING AND COMMUNITY DEVELOPMENT ACT OF 1987
PLEASE READ THIS NOTICE. HOMEOWNERSHIP COUNSELING MAY BE AVAILABLE TO YOU.
DATE: June 8, 2001
TO: KENNETH R YOHN
RE: Account No. 0096013419
]~ROM: Sovereign Bank
The Housing and Community Development Act of 1987 requires that Sovereign,Bank notify eligible
homeowners with delinquent home loans of the availability of homeownership counseling. Because your home
loan is DELINQUENT, you maybe eligible for homeownership counseling provided by certain non-profit
organizations.
PLEASE CALL THE HUD TOLL FREE NUMBER AT
1-800-569-4287
FOR MORE INFORMATION.
If you have any questions about your home loan you may call or write to Sovereign Bank at:
MORTGAGE COLLECTIONS DEPARTMENT
SOVEREIGN BANK
PO BOX 876
SHILLINGTON PA 19607
1-800-753-7366
Constance M. Cocroft
Vice President
HOUSING AND URBAN DEVELOPMENT ("HUD") NOTIFICATION
IMPORTANT NOTICE OF THE HOUSING AND COMMUNITY DEVELOPMENT ACT OF 1987
PLEI~SE READ THIS NOTICE. HOMEOWNERSHIP COUNSELING MAY BE AVAILABLE TO YOU.
DATE: June 8, 2001
TO: JOAN S YOHN
RE: Account No. 0096013419
FROM: Sovereign Bank
The Housing and Community Development Act of 1987 requires that Sovereign Bank notify eligible
homeowners with delinquent home loans of the availability of homeownership counseling. Because your home
loan is DELINQUENT, you maybe eligible for homeownership counseling provided by certain non-profit
organizations.
PLEASE CALL THE HUD TOLL FREE NUMBER AT
1-800-569-4287
FOR MORE INFORMATION.
If you have any questions about your home loan you may call or write to Sovereign Bank at:
MORTGAGE COLLECTIONS DEPARTMENT
SOVEREIGN BANK
PO BOX 876
SHILLINGTON PA 19607
1-800-753-7366
Constance M. Cocroft
Vice President
PIOSA HDCSON & REILLY
-ArroxNErs AT LAw-
M1cHAEL J• ~osA
BOYD G. HIXSON
THOMAS E. REII.LY, JR.
THOMASA.CAPEHART
ONE WINDSOR PLAZA, SUITE 101
7535 WINDSOR DRIVE
ALLENTOWN, PENNSYLVANIA 18195-1014
TEL: (610) 530-7500
FAX: (610)530-8190
TO: Kenneth R. Yohn and Joan S. Yohn:
We have filed this complaint against you on behalf of our client, Sovereign Bank,
F.S.B.
WE ARE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT, 15
U.S.C. Section 1692, TO PROVIDE YOU WITH THE FOLLOWING NOTICE:
The amount of the debt owed by you is $172,124.16 as of July 15, 2001.
Sovereign Bank, F.S.B. is the original creditor for this debt.
You have thirty (30) days from the date of this Notice to dispute the validity
of this debt. If you fail to dispute the validity of this debt within thirty (30) days,
we will assume the debt is valid and the amount of the debt is correct. If you
notify us in writing that the debt or any portion thereof is disputed by you, we will
obtain verification of the debt from our client and provide such verification to
you.
Please note, that despite the thirty (30) day period described above, the
Bank is not required to wait thirty (30) days to take any actions to enforce its
rights to collect the amount owed, including, but not limited to, filing a lawsuit
against you. As such, you should expect the Bank to proceed with any such action
within the time frame set forth in the accompanying complaint or documents, and
any other previous correspondence you may have received directly from the Bank.
This letter is from a debt collector. This is an attempt to collect a debt and
any information obtained will be used for that purpose.
Sincerely,
Thomas . Rei y, Jr.
EXHIBIT "F"
SHERIFF'S RETURN - REGULAR
f 1•
CASE N0: 2001-04459 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
SOVEREIGN BANK F S B
VS
KENNETH R ET AL
KENNETH GOSSERT Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE was served upon
YOHN KENNETH R the
DEFENDANT at 2005:00 HOURS, on the 30th day of July 2001
at 1120 CARRINGTON COURT EAST
MECHANICSBURG, PA 17055 by handing to
JOAN YOHN
a true and attested copy of COMPLAINT - MORT FORE together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
18.00
9.10
~
.00 ~...ct4~~.~Gyre-P
10.00 R. Thomas Kline
.00
37.10 07/31/2001
PIOSA HIXSON & REILLY
Sworn and Subscribed to before By:
me this ~ ~' day of
e... t~Pn.r.;`
r thonotar~
_~
~_ . .
SHERIFF'S RETURN - REGULAR
., -.
CASE NO: 2001-04459 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
SOVEREIGN BANK F S
VS
YOHN KENNETH R ET
KENNETH GOSSERT Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE was served upon
YOHN JOAN S
DEFENDANT
the
at 2005:00 HOURS, on the 30th day of July 2001
at 1120 CARRINGRON COURT
MECHANICSBURG, PA 17055
by handing to
a true and attested copy of COMPLAINT - MORT FORE together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
6.00 ~°
.00
10.00 R. Thomas Kline
.00
16.00 07/31/2001
PIOSA HIXSON & REILLY
Sworn and Subscribed to before By:
me thnnis _'L day of
ht~.~... ~ A . D .
Q~~ a ~ a~
P honotary 7 ''
Sover/]udgmnts/Cumberland
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION -LAW
SOVEREIGN BANK, F.S.B. )
Plaintiff ) NO. 01-4459 CIVIL
vs. )
KENNETH R. YOHN and JOAN S. YOHN ) MORTGAGE FORECLOSURE
Defendants )
PRAECIPE FOR JUDGMENT
Enter Judgment in favor of Plaintiff and against Defendants. Kenneth R. Yohn and Joan
S. Yohn, for want of failure to file a responsive pleading to Plaintiffs Mortgage Foreclosure
Complaint.
X Assess damages as follows:
Debt $172,124.16
Interest from 07/15/01 to 08/31/01 1,618.68
@ $34.44/day
Attorney's Commission
TOTAL $173,742.84
Plus interest from 08/31/01 and costs
X I certify that the foregoing assessment of damages is for specified amounts alleged to be
due in the complaint and is calculable as a sum certain from the complaint.
X Pursuant to Pa. R.C.P. 237.1, I certify that written notice of the intention to file this
Praecipe was mailed or delivered to the party against whom judgment is to be entered and to the
attorney of record, if any, after the default occurred and at least ten (10) days prior to the date of
the filing of this Praecipe. A copy of the notice is attached.
Date: Au~UST ~ 2on ~
Thomas E. Reilly, ~r.,~squire
Attorney for Plaintiff
Attorney I.D. No. 41668
One Windsor Plaza, Suite 101
7535 Windsor Drive
Allentown, PA 18195-1014
(610) 530-7500
NOW, l ~~~ S 2001, JUDGMENT IS ENTERED AS ABOVE.
Prothonotary/Clerk, Civi ision
~v: ~p o / ~/rs~~~
Deputy
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION -LAW
SOVEREIGN BANK, F.S.B.
Plaintiff
NO. 01-4459 CIVIL
vs.
KENNETH R. YOHN and JOAN S. YOHN
MORTGAGE FORECLOSURE
Defendants
(X) Notice is hereby given that a Default Judgment in the above-captioned
matter has been entered against you in the amount of $173,742.84 plus interest
from August 31, 2001 and costs, on ,S ~ . ~ , 2001.
(X) A copy of all documents filed with the Prothonotary in support of the
within judgment are enclosed.
Prothonotary/Clerk, Civil Di .
If you have any questions regarding this Notice, please contact the filing party:
Thomas E. Reilly, Jr. Esquire
One Windsor Plaza, Suite 101
7535 Windsor Drive
Allentown, PA 18195-1014
(610) 530-7500
(This Notice is given in accordance with Pa.R.C.P. 236).
CERTIFICATION OF ADDRESSES
I, THOMAS E. REILLY, JR., ESQUIRE, hereby certify that the precise address of the
within-named Plaintiff, Sovereign Bank, is 525 Lancaster Avenue, Reading, PA 19611 and the
precise address of the within-named Defendants, Kenneth R. Yohn and Joan S. Yohn is 1120
Carrington Court East, Mechanicsburg, Pennsylvania 17055.
Thomas E. Reilly, Jr., Esquire
NON-MILITARY AFFIDAVIT
COMMONWEALTH OF PENNSYLVANIA )
ss:
COUNTY OF CUMBERLAND )
Before me, the undersigned authority, personally appeared Thomas E. Reilly, Jr., Esquire,
who being duly sworn according to law, Both depose and say that the Defendants, Kenneth R.
Yohn and Joan S. Yohn were not in the Military or Naval Service, based on the following facts as
of the date of this affidavit:
Age of Defendant: Sui Juris
Present Place of
Employment:
Present Place of
Residence:
Thomas E.
Unknown
1120 Carrington Court East
Mechanicsburg, PA 17055
Sworn to and subscribed before me this
,~~ day of August, 2001 A.D.
V T6~
otary
NOTARIAL SEAL
EILEEN M. V MILLER, Notary Public
Upper Macungie Twp.. Lehigh County, PA
My Commission Expires Oct. 13, 2003
uire
a
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION -LAW
N BANK, F.S.B. )
Plaintiff ) NO. of-4459 CIVIL
vs. )
R YOHN and JOAN S. YOHN )MORTGAGE FORECLOSURE
Defendants )
NOTICE: Angnst 21, 2001
Kenneth R. Yohn Joan S. Yohn
1120 Carrington Court East 1130 Carrington Court East
Mechanicsburg, PA 17055 Mechanicsburg, PA 17055
1MPOBTANT NOTICE
)U ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED
YOU IN THIS CASE. UNLESS YOU ACT WTI'HIN TEN (10) DAYS FROM THE DATE
THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A
TARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS.
)U SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE
LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING
~FICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY BAR ASSOCIATION
2 LIBERTY AVENUE
CARLISLE,. PA 17013
(717)249-3166
LAW OFFICE{
3A HIXSON 8 REILLY P.C.
WINtlEOR PLAiA, SUIR 101
799e WINDSOR ORWE
.LENfOWN, PA 191YSJOU
1e1o1 saoneoo
PIOSA, HIXSON & REILLY, P.C.
By:
Thomas E. Reilly, Jr., Esq.
Attoraey for Plaimiff
Attorney I. D. No. 41668
One Windsor Plaza, Suite 101
7535 Windsor Drive
Allentown, PA 18195-1014
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION -LAW
SOVEREIGN BANK, F.S.B. )
Plaintiff )
vs. )
KENNETH R. YOHN and JOAN S. YOHN )
Defendants )
NO. 01-4459 CIVIL
MORTGAGE FORECLOSURE
PRAECIPE FOR WRIT OF EXECUTION
TO THE PROTHONOTARY:
Kindly issue Writ of Execution on the above matter.
Amount Due $ 173,742.84
Interest from 08/31/01 6,440.28
to Date of Sale
( at $34.44 day)
(Costs to be Added) $
TOTAL $ 180,183.12
LAW OFFICES
PIOSA HIXSON & REILLY P.C.
ONE WINDSOR PLAZA, SUI1E 101
]535 WINDSOR DPIVE
Auerviowrv, PA IB195-1014
(8101530-]500
PIOSA HIXSON & REILLY, P.C.
Thomas E. Reilly, r.~~c~uire
Attorney for Plaintiff
Attorney I. D. #41668
One Windsor Plaza, Suite 101
7535 Windsor Drive
Allentown, PA 18195-1014
(610)530-7500
" ..
., s A
ALL THAT CERTAIN lot or tract of ground situate in Hampden Township, Cumberland
County, Pennsylvania, more particularly bounded and described as follows, to wit:
BEGINNING at a point on the northern right of way line of Carrington Court East at the
southwest corner of Lot No. 6; thence along said right of way line and along a 20 feet
sewer lateral easement by a curve to the left said curve having a radius of 60.00 feet and
an arc distance of 71.69 feet to a point; thence along the same by a curve to the right said
curve having a radius of 25.00 feet and an arc distance of 3.32 feet to a point being the
southeast corner of Lot No. 8; thence along Lot No. 8 North 39 degrees 19 minutes 33
seconds West 123.95 feet to a point at lands now or formerly of Franklin R. and Joyce
Roth; thence along said lands North 39 degrees 39 minutes 33 seconds East 60.0 feet to a
point at lands now or formerly of John H. Zaugg; thence along said lands and along a 20
feet sewer lateral easement, North 73 degrees 05 minutes 24 seconds East 98.86 feet to a
point being the northwest corner of Lot No. 6; thence along Lot No. 6 and through a 20
feet sewer lateral easement, South 05 degrees 12 minutes 06 seconds West 11621 feet to
a point being the place of BEGINNING.
BEING THE SAME PREMISES which Fogarty & Molinari, Associates, by its Deed dated
October 11, 1995 and recorded on October 20, 1995, in the Office of the Recorder of Deeds
in and for Cumberland County, at Deed Book Volume 129, page 1058, granted and
conveyed unto Kenneth R. Yohn and Joan S. Yohn, Husband and Wife, their heirs and
assigns.
EXHIBIT "A"
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IN T1IE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION -LAW
SOVEREIGN BANK, F.S.B. )
Plaintiff )
vs. )
KENNETH R. YOHN and JOAN S. YOHN )
Defendants )
NO. 01-4459 CIVIL
MORTGAGE FORECLOSURE
AFFIDAVIT PURSUANT TO RULE 3129.1
Thomas E. Reilly, Jr., Esquire, attorney for Plaintiff in the above action, sets forth, as of
the date the Praecipe for Writ of Execution was filed, the following information concerning the
real property located at 1120 Carrington Court East, Mechanicsburg, Cumberland County,
Pennsylvania and more particularly described in Exhibit "A" attached hereto:
1. The names and last known address of the Owners or Reputed Owners of the
Property are: Kenneth R. Yohn and Joan S. Yohn, 1120 Carrington Court East,
Mechanicsburg, Pennsylvania 17055.
The names and last known address of the Defendants in the judgment are:
Kenneth R. Yohn and Joan S. Yohn, 1120 Carrington Court East, Mechanicsburg, Pennsylvania
17055.
The name and last known address of every judgment creditor whose judgment is
LAW OFFICES
PIOSA HIXSON & REILLY P.C.
ONE WINDSOR PLAZA, SUITE 101
~b35 WIN650R DRIVE
ALLENTOWN, PA IBI95-1014
(6101530-]500
a record lien on the real property to be sold is:
a) Sovereign Bank, F.S.B., 525 Lancaster Avenue, Reading, Pennsylvania
19611; $173,742.84; dated 08/31/01; No. 01-4459-Civil, Cumberland County records.
4. The names and last known addresses of the last recorded holders of every
mortgage of record are:
a) Sovereign Bank, F.S.B., 525 Lancaster Avenue, Reading, Berks County,
Pennsylvania 19611; $165,927.00; recorded 12/20/95; Mortgage Book Volume 1287, Page
304.
b) Franklin Credit Management Corp., Assignee of Emergent Mortgage
Corp., d/b/a Homegold, Six Harrison Street, New York, NY 10013; recorded 01/29/98;
Mortgage Book Volume 1428, Page 1145; Assignment recorded 02/10/99; Book 603, page 249.
5. There are no other known persons who have any record lien on the property.
6. There are no other persons who have a record interest in the property and whose
interest may be affected by the sale.
7. There are no other persons who has any interest in the property which may be
affected by the sale.
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 to unsworn falsification to authorities.
PIOSA, HIXSON & REILLY, P.C.
Date: ~crogE2 8 , 20o t By:
Thomas E. Reilly, Jr., q ire
Attorney for Plaintiff
Attorney I. D. No. 41668
One Windsor Plaza, Suite 101
7535 Windsor Drive
Allentown, PA 18195-1014
LAW OFFICES
PIOSA HIXSON & REILLY P.C.
ONE WINDSOR PLAZA, SOITE 101
]535 WINDSOR DRIVE
ALLENTOWN, PA 16195~IOI4
(610) 530]500
ALL THAT CERTAIN lot or tract of ground situate in Hampden Township, Cumberland
County, Pennsylvania, more particularly bounded and described as follows, to wit:
BEGINNING at a point on the northern right of way line of Carrington Court East at the
southwest corner of Lot No. 6; thence along said right of way line and along a 20 feet
sewer lateral easement by a curve to the left said curve having a radius of 60.00 feet and
an arc distance of 71.69 feet to a point; thence along the same by a curve to the right said
curve having a radius of 25.00 feet and an arc distance of 3.32 feet to a point being the
southeast corner of Lot No. 8; thence along Lot No. 8 North 39 degrees 19 minutes 33
seconds West 123.95 feet to a point at lands now or formerly of Franklin R. and Joyce
Roth; thence along said lands North 39 degrees 39 minutes 33 seconds East 60.0 feet to a
point at lands now or formerly of John H. Zaugg; thence along said lands and along a 20
feet sewer lateral easement, North 73 degrees 05 minutes 24 seconds East 98.86 feet to a
point being the northwest corner of Lot No. 6; thence along Lot No. 6 and through a 20
feet sewer lateral easement, South 05 degrees 12 minutes 06 seconds West 116.21 feet to
a point being the place of BEGINNING.
BEING THE SAME PREMISES which Fogarty & Molinari, Associates, by its Deed dated
October 11, 1995 and recorded on October 20, 1995, in the Office of the Recorder of Deeds
in and for Cumberland County, at Deed Book Volume 129, page 1058, granted and
conveyed unto Kenneth R. Yohn and Joan S. Yohn, Husband and Wife, their heirs and
assigns.
EXHIBIT "A"
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION -LAW
SOVEREIGN BANK, F.S.B.
Plaintiff
vs.
KENNETH R. YOHN and JOAN S. YOHN
NO. 01-4459 CIVIL
MORTGAGE FORECLOSURE
Defendants
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
PURSUANT TO PA. RC.P. 3129
TO: Kenneth R Yohn Joan S. Yohn
1120 Carrington Court East 1120 Carrington Court East
Mechanicsburg, PA 17055 Mechanicsburg, PA 17055
Your real estate located at 1120 Carrington Court East, Mechanicsburg, Cumberland
County, Pennsylvania is scheduled to be sold at a Sheriffs Sale on March 6, 2002 at 10:00
A.M. in the Commissioners Hearing Room 2"d Floor, Cumberland County Courthouse, 1
Courthouse Square, Carlisle, Cumberland County, PA to enforce the court judgment of
$173,742.84, plus interest from August 31, 2001 and costs of this proceeding, obtained by
SOVEREIGN BANK.
NOTICE OF OWNER'S RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SALE
LAW OFFICES
PIOSA HIXSON & REILLY P.C.
ONE WINDSOR PLAZA, SUITE 101
]s35 wINDSOR oglvE
ALLENTOWN, PA 16195-1014
(610)530-]500
To prevent this Sheriffs Sale, you must take immediate action:
1. The sale will be cancelled if you pay to Sovereign Bank and/or its attorney, Thomas E.
Reilly, Jr., Esquire, the entire judgment amount, accrued interest, costs and reasonable
attorney's fees due. To fmd out how much you must pay, you may call (610) 530-7500.
2. You may be able to stop the sale by filing a Petition asking the Court to strike or open
the judgment if the judgment was improperly entered. You may also ask the Court to postpone
the sale for good cause.
3. You may also be able to stop the sale through other legal proceedings.
You may need an attorney to assert your rights. The sooner you contact one, the more chance
you will have of stopping the sale. (See Notice on Page Three on how to obtain an attorney).
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER
RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE
1. If the Sheriff s Sale is not stopped, your property will be sold to the highest bidder. You
may find out the price bid by calling (610) 530-7500.
2. You may be able to petition the Court to set aside the sale if the bid price was grossly
inadequate compared to the value of your property.
3. The sale will go through only if the buyer pays the Sheriff the full amount due in the
sale. To find out if this has happened, you may call (610) 530-7500.
4. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of
the property as if the sale never happened.
5. You have a right to remain in the property until the full amount due is paid to the
Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer will bring legal
proceedings to evict you.
6. You may be entitled to a share of the money which was paid for your real estate. A
schedule of distribution of the money bid for your real estate will be filed by the Sheriff within
thirty (30) days of the sale. This schedule will state who will be receiving the money. The
money will be paid out in accordance with this schedule unless exceptions are filed with the
Sheriff within ten (10) days after the posting of the schedule of distribution.
7. You may also have other rights and defenses or ways of getting your real estate back if
you act immediately after the sale.
LFW OFFICES
PIOSA HIXSON & REILLY P.C.
ONE WINOSOP PLPZP, SUITE 101
J535 WINp50R DRIVE
ALLENTOWN, PA 161951014
1610) 530]500
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
COURT ADMINISTRATOR
CUMBERLAND COUNTY COURTHOUSE, 4T" FLOOR
CARLISLE, PA 17013
(717)240-6200
PIOSA HIXSON & REILLY, P.C.
Dated: OCro8E1c 8 , 20o I By: ~
Thomas E. Reilly, Jr., squire
Attorney for Plaintiff
I. D. No. 41668
One Windsor Plaza, Suite 101
7535 Windsor Drive
Allentown, PA 18195-1014
I LAW OFFICES
I PIOSA HIXSON & REILLY P.C.
I
ONE WINDSOR PLAZA, Sl11TE 101
]535 WINlfsoR DflIVE
ALLENTOWN, PA 16195-1014
- 1610)530-7500
ALL THAT CERTAIN lot or tract of ground situate in Hampden Township, Cumberland
County, Pennsylvania, more particularly bounded and described as follows, to wit:
BEGINNING at a point on the northern right of way line of Carrington Court East at the
southwest corner of Lot No. 6; thence along said right of way line and along a 20 feet
sewer lateral easement by a curve to the left said curve having a radius of 60.00 feet and
an arc distance of 71.69 feet to a point; thence along the same by a curve to the right said
curve having a radius of 25.00 feet and an arc distance of 3.32 feet to a point being the
southeast corner of Lot No. 8; thence along Lot No. 8 North 39 degrees 19 minutes 33
seconds West 123.95 feet to a point at lands now or formerly of Franklin R. and Joyce
Roth; thence along said lands North 39 degrees 39 minutes 33 seconds East 60.0 feet to a
point at lands now or formerly of John H. Zaugg; thence along said lands and along a 20
feet sewer lateral easement, North 73 degrees 05 minutes 24 seconds East 98.86 feet to a
point being the northwest corner of Lot No. 6; thence along Lot No. 6 and through a 20
feet sewer lateral easement, South 05 degrees 12 minutes 06 seconds West 116.21 feet to
a point being the place of BEGINNING.
BEING THE SAME PREMISES which Fogarty & Molinari, Associates, by its Deed dated
October 11, 1995 and recorded on October 20, 1995, in the Office of the Recorder of Deeds
in and for Cumberland County, at Deed Book Volume 129, page 1058, granted and
conveyed unto Kenneth R. Yohn and Joan S. Yohn, Husband and Wife, their heirs and
assigns.
EXHIBIT "A"
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION -LAW
SOVEREIGN BANK, F.S.B. )
Plaintiff )
VS. )
KENNETH R YOHN and JOAN S. YOHN )
Defendants )
NO. of-gg59 CIVIL
MORTGAGE FORECLOSURE
I, Thomas E. Reilly, Jr., Esquire, hereby certify that on the gTti day of January,
2002, a true and correct copy of the Notice to Lien Creditors Pursuant to Rule 3i2g,
was mailed by United States first-class mail, postage prepaid, to the interested parties
listed below.
Franklin Credit Management Corporation
Six Harrison Street
New York, NY iooi3
LAW OFFICES
PIOSA HIXSON & REILLY P.C.
ONE WINDSOR PLAZA, SUITE 101
]535 WINDSOR DRIVE
Auerviowrv, PA 16195-1014
~ (6101530-]500
Thomas E, tei •., Esgi
Attorney for Plaintiff
One wndsor Plaza, Suite i i
7535 Windsor Drive
Allentown, PA i8i95-ioi4
(6io) 530-7500
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STATE OF PENNSYLVANIA,
COUNTY OF CUMBERLAND ~'
Robert P Ziegler
I+ ------------------~-------------
Recorder of
Deeds in and for said County and State do hereby certify that the Sheriff's Deed in which ________________
Sovereign Bank F S B
----`-----------'----------•---°--°------------------------------------------'---- is the grantee
6th
the same having been sold to said grantee on the _______________________________________________ day of
March 2002
..------------------------------°------- A. D., ' __---, under and by vidue of a writ-------_--_---
llth
----Execution __-----issued on the -------------------------------------
October 2001
day of __________________________ A. D., _____, out of the Court of Comman Pleas of said County~as of
Civil -2001
------------------------`----_...°------------------------------------------------ Term
------
4459 Sovereign Bank F S B
Number --------------,atthesuitof---------------------------------------------------------------
Kenneth R Yohn & Joan S
----------------------------------- against--------------------------`------------------------- s
251 3686
duty recorded in Sheriff's Deed Book No._..__________, Page____________.
IN TESTIMONY WHEREOF, I hav'ef hereunto
set my hand and seal of said office this _ /! _____ day
RecorderoEDeeds ,
Sovereign Bank, FSB
VS
Kenneth R. Yohn and
Joan S. Yohn
In The Court of Common Pleas of
Cumberland County, Pennsylvania
Writ No. 2001-4459 Civil Term
Douglas Donsen, Deputy Sheriff, who being duly sworn according to law, states
that on November 7, 2001 at 8:52 o'clock pm, EST, he served a true copy of the within
Real Estate Writ, Notice and Description, in the above entitled action, upon one of the
within named defendants, to wit: Kenneth R. Yohn, by making known unto Kenneth
Yohn personally, at 127 Tory Circle, Enola, Cumberland County, Pennsylvania, its
contents and at the same time handing to him personally the said true and correct copy of
the same.
Douglas Donsen, Deputy Sheriff, who being duly sworn according to law, states
that on November 7, 2001 at 8:52 o'clock pm, EST, he served a true copy of the within
Real Estate Writ, Notice and Description, in the above entitled action, upon one of the
within named defendants, to wit: Joan S. Yohn, by making known unto Kenneth Yohn,
adult in charge, at 127 Tory Circle, Enola, Cumberland County, Pennsylvania, its
contents and at the same time handing to him personally the said true and correct copy of
the same.
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 March 6, 2002 at 10:00 o'clock A.M., EST. He sold the same for the
sum $1.00 to Attorney Thomas E. Reilly, Jr. for Sovereign Bank, F.S.B. It being the
highest bid and best price received for the same, Sovereign Bank, F.S.B. of 525 Lancaster
Ave., Reading, PA 19611 being the buyer in this execution, paid Sheriff R. Thomas Kline
the sum of $850.04, it being costs.
Sheriff s Costs
Docketing $30.00
Poundage 16.67
Posting Handbills 15.00
Advertising 15.00
Acknowledging Deed 30.00
Auctioneer 10.00
Law Library .50
Prothonotary 1.00
Mileage 18.85
Certified Mail .82
Levy 15.00
Surcharge 30.00
Law Journal 321.20
Patriot News 270.30
Share of Bills 24.20
Distribution of Proceeds 25.00
Sheriff's Deed 26.50
$ 850.04
Sworn and subscribed to before me
This ~~ ~dayof
2002, A.D. ~ ~ Q ~~
rothonotary
So Answ:~
R Thomas Kline, Sh ff~
Real Estate Deputy
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WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
TO THE SHERIFF OF CUMBERLAND
To satisfy the debt, interest and costs due
NO.
-COUNTY:
Sovereign Bank, FSB
01-4459 CIVIL I9
CIVIL ACTION -LAW
from Kenneth R. and Joan S. Yohn, 1120 Carrington Court, East, Mechanics-
burg PA 17055.
DEFENDANT(S)
(1) You are directed to levy upon the property of the defendant(s) and to sell Real estate located
at 1120 Carrington Court East, Mechanicsburg PA 17055. (See attached
legal description.)
(2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of
GARNISHEE(S) as follows:
and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s), is/are enjoined from paying any
debt to or for the account of the defendant(s) and from delivering any property of the defendant(s) or otherwise disposing
thereof;
(3) Ifpropertyoithedefendant(s)notlevieduponansubjecttoattachmentisfoundinthepogsessionofanyoneolher
than a named garnishee, you are directed to notify him/herthat he/she has been added as a garnishee and is enjoined as above
stated.
Amount Due $173,742.84
Interest 8/31/01 - 3/6/02 $6,440.28
Atty's Comm °f°
Atty Paid $12 5.10
Plaintiff Paid
L.L.
Due Prothy _
Other Costs
Date: October 11, 2001
CURTIS R. LONG
REQUESTING PARTY:
Name Thomas E. Reilly, Jr., Esq.
One Windsor Plaza, Ste. lUl
Address: 7535 Windsor Dr.
Allentown PA 18195-1014
Attorney for: Plaintiff
Telephone: (6101 530-7500
Supreme Court ID No. 41668
Pro onotary, Civil Division
by:
Deputy
$.50
1
REAL ESTATE SALE ~`~~4. '~
On October 29, 2001, the sheriff levied upon the
defendant's interest in the real property situated in
Hampden Township, Cumberland County, PA,
known and numbered as 1120 Carrington Court East,
Mechanicsburg, and more fully described on Exhibit "A"
filed with this writ and by this reference incorporated herein.
Date: October 29, 2001 By: qb~ S _ S v~,t-C~
Real Estate Deputy
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION -LAW
SOVEREIGN BANK, F.S.B. )
Plaintiff ) NO. 01-4459 CIVIL
vs. )
KENNETH R. YOHN and JOAN S. YOHN ) MORTGAGE FORECLOSURE
Defendants )
AFFIDAVIT PURSUANT TO RULE 3129.1
Thomas E. Reilly, Jr., Esquire, attorney for Plaintiff in the above action, sets forth, as of
the date the Praecipe for Writ of Execution was filed, the following information concerning the
real property located at 1120 Carrington Court East, Mechanicsburg, Cumberland County,
Pennsylvania and more particularly described in Exhibit "A" attached hereto:
1. The names and last known address of the Owners or Reputed Owners of the
Property are: Kenneth R. Yohn and Joan S. Yohn, 1120 Carrington Court East,
Mechanicsburg, Pennsylvania 17055.
2. The names and last known address of the, Defendants in the judgment are:
Kenneth R. Xohn and Joan S. Yohn, 1120 Carrington Court East, Mechanicsburg, Pennsylvania
17055.
3. The name and last known address of every judgment creditor whose judgment is
a record lien on the real property to be sold is:
a) Sovereign Bank, F.S.B., 525 Lancaster Avenue, Reading, Pennsylvania
19611; $173,742.84; dated 08/31/01; No. 01-4459-Civil, Cumberland County records.
4. The names and last known addresses of the last recorded holders of every
LAW OFFICES
'IOSA HIXSON & REILL~ P.C.
1NE WINDSOR PLAZA, SURE 101
]534 WINDEDR DRIVE
ALLENTOWN, PA 1919S-IOI4
BIO)530-]500
mortgage of record are:
a) Sovereign Bank, F.S.B., 525 Lancaster Avenue, Reading, Berks County,
Pennsylvania 19611; $165,927.00; recorded 12/20/95; Mortgage Book Volume 1287, Page
304.
b) Franklin Credit Management Corp., Assignee of Emergent Mortgage
Corp., d/b/a Homegold, Six Harrison Street, New York, NY 10013; recorded 01/29/98;
Mortgage Book Volume 1428, Page 1145; Assignment recorded 02/10/99; Book 603, page 249.
5. There are no other known persons who have any record lien on the property.
6. There are no other persons who have a record interest in the property and whose
interest may be affected by the sale.
7. There are no other persons who has any interest in the property which maybe
affected by the sale.
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 to unsworn falsification to authorities.
PIOSA, HIXSON & REILLY, P.C.
Date: OCtOB~R 8 ~ 2001 By:
Thomas E. Reilly, Jr., q ire
Attorney for Plaintiff
Attorney I. D. No. 41668
One Windsor Plaza, Suite 101
7535 Windsor Drive
Allentown, PA 18195-1014
LAW OFFICES
JSA HIXSON & REILLY P.C.
JE WINDSOR PLFU, SUITE 101
]$35 WINDSOR DRIVE
4LLENTOWN, PA 13195-1010
I810)530~]500
ALL THAT CERTAIN lot or tract of ground situate in Hampden Township, Cumberland
County, Pennsylvania, more particularly bounded and described as follows, to wit:
BEGINNING at a point on the northern right of way line of Carrington Court East at the
southwest corner of Lot No. 6; thence along said right of way line and along a 20 feet
sewer lateral easement by a curve to the left said curve having a radius of 60.00 feet and
an arc distance of 71.69 feet to a point; thence along the same by a curve to the right said
curve having a radius of 25.00 feet and an arc distance of 3.32 feet to a point being the
southeast corner of Lot No. 8; thence along Lot No. 8 North 39 degrees 19 minutes 33
seconds West 123.95 feet to a point at lands now or formerly of Franklin R. and Joyce
Roth; thence along said lands North 39 degrees 39 minutes 33 seconds East 60.0 feet to a
point at lands now or formerly of John H. Zaugg; thence along said lands and along a 20
feet sewer lateral easement, North 73 degrees 05 minutes 24 seconds East 98.86 feet to a
point being the northwest corner of Lot No. 6; thence along Lot No. 6 and through a 20
feet sewer lateral easement, South 05 degrees 12 minutes 06 seconds West 116.21 feet to
a point being the place of BEGINNING.
BEING THE SAME PREMISES which Fogarty & Molinari, Associates, by its Deed dated
October 11, 1995 and recorded on October 20, 1995, in the Office of the Recorder of Deeds
in and for Cumberland County, at Deed Book Volume 129, page 1058, granted and
conveyed unto Kenneth R. Yohn and Joan S. Yohn, Husband and Wife, their heirs and
assigns.
EXHIBIT "A"
:J
~doZl~iFia .~ rJ;r~i.~:jD
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION -LAW
SOVEREIGN BANK, F.S.B. )
Plaintiff )
vs. )
)
KENNETH R. YOHN and JOAN S. YOHN )
Defendants )
N0. 01-4459 CIVIL
MORTGAGE FORECLOSURE
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
PURSi3ANT TO PA. R.C.P. 3129
TO: Kenneth R Yohn 3oan S. Yohn
1120 Carrington Court East 1120 Carrington Court East
Mechanicsburg, PA 17055 Mechanicsburg, PA 17055
Your real estate located at 1120 Carrington Court East, Mechanicsburg, Cumberland
County, Pennsylvania is scheduled to be sold at a Sheriffs Sale on-March 6, 2002 at 10:00
A.M. in the Commissioners Hearing Room 2`~ Floor, Cumberland County Courthouse, ]
Courthouse Squaze, Carlisle,. Cumberland County, PA to enforce the court judgment of
$173,742.84, plus interest from August 31, 2001 and costs of this proceeding, obtained by
SOVEREIGN BANK.
NOTICE OF OWNER'S RIGHTS
YOII MAY BE ABLE TO PREVENT THIS SALE
LAW OFFICES
]SA H1x5DN & REILLY P.C.
aE WINOSON PLAZA, SUITE 101
9533 WIrvo509 DArvE
>LLENTOWN. PA 191931014
18101 530]500
To prevent this Sheriff s Sale, you must take immediate action:
1. The sale will be cancelled if you pay to Sovereign Bank and/or its attorney, Thomas E.
Reilly, Jr., Esquire, the entire judgment amount, accrued interest, costs and reasonable
attorney's fees due. To find out how much you must pay, you may call (610) 530-7500.
2. You may be able to stop the sale by filing a Petition asking the Court to strike or open
the judgment if the judgment was improperly entered. You may also ask the Court to postpone
the sale for good cause.
You may also be able to stop the sale through other legal proceedings.
You may need an attorney to assert your rights. The sooner you contact one, the more chance
you will have of stopping the sale. (See Notice on Page Three on how to obtain an attorney).
YOU MAY STILL. BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER
RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE
1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You
may find out the price bid by calling (610) 530-7500.
2. You may be able to petition the Court to set aside the sale if the bid price was grossly
inadequate compared to the value of your property.
3. The sale will go through only if the buyer pays the Sheriff the full amount due in the
sale. To find out if this has happened, you may call (610) 530-7500.
4. If the amount due from the buyer is nat paid to the Sheriff, you will remain the owner of
the property as if the sale never happened.
5. You have a right to remain in the property until the full amount due is paid to the
Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer will bring legal
proceedings to evict you.
6. You may be entitled to a share of the money which was paid for your real estate. A
schedule of distribution of the money bid for your real estate will be filed by the Sheriff within
thirty (30) days of the sale. This schedule will state who will be receiving the money. The
money will be paid out in accordance with this schedule unless exceptions are filed with the
Sheriff within ten (10) days after the posting of the schedule of distribution.
7. You may also have other rights and defenses or ways of getting your real estate back if
you act immediately after the sale.
LAW OFFICES
IOSA HI%SON & REILLY P.C.
wE WINDSOR PLAZA, SUITE 101
'/S35 WIN050R OgIVE
ALLENTOWN. PA 18I95~IOIA
!8101530-]500
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
COURT ADMINISTRATOR
CUMBERLAND COUNTY COURTHOUSE, 4T" FLOOR
CARLISLE, PA 17013
(717)240-6200
PIOSA HIXSON & REILLY, P.C.
Dated: ®cro6~~c 8 , Zoo f By:
Thomas .Reilly, Jr., squire
Attorney for Plaintiff
I. D. No. 41668
One Windsor Plaza, Suite 101
7535 Windsor Drive
Allentown, PA 18195-1014
LAW OFFICES
J$A HIXSON & REILLY P.C.
IE WINDSOq PLAZA, $DITE 101
]535 WINOSOp DRIVE
\LLENTOWN, PA 1819$-1016
I610)530~]500
ALL TH.~1T CERTAIN lot or tract of ground situate in Hampden Township, Cumberland
County, Pennsylvania, more particularly bounded and described as follows, to wit:
BEGINNING at a point on the northern right of way line of Carrington Court East at the
southwest corner of Lot No. 6; thence along said right of way line and along a 20 feet
sewer lateral easement by a curve to-the left said curve having a radius of 60.00 feet and
an arc distance of 71.69 feet to a point; thence along the same by a curve to the right said
curve having a radius of 25.00 feet and an arc distance of 3.32 feet to a point being the
southeast corner of Lot No. 8; thence along Lot No. 8 North 39 degrees 19 minutes 33
seconds West 123.95 feet to a point at lands now or formerly of Franklin R. and Joyce
Roth; thence along said lands North 39 degrees 39 minutes 33 seconds East 60.0 feet to a
point at lands now or formerly of John H. Zaugg; thence along said lands and. along a 20
feet sewer lateral easement, North 73 degrees 05 minutes 24 seconds East 98.86-feet to a
point being the northwest corner of Lot No. 6; thence along Lot No. 6 and through a 20
feet sewer lateral easement, South 05 degrees 12 minutes 06 seconds West 116.21 feet to
a point being the place of BEGINNING.
BEING-THE SANIE PREMISES which Fogarty & Molinari, Associates, by its Deed dated
October 11, 1995 and recorded on October 20, 1995, in the Office of the Recorder of Deeds
in and for Cumberland County, at Deed Book Volume 129, page 1058, granted and
conveyed unto Kenneth R. Yohn and Joan S. Yohn, Husband and Wife, their heirs and
assigns.
EXHIBIT s~A„
PROOF OF PUBLICATION OF NOTICE
IN CUMBERLAND LAW JOURNAL
(Under Act No. 587, approved May 16, 1929), P. L.1784
STATE OF PENNSYLVANIA
COUNTY OF CUMBERLAND
ss.
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:
JANUARY 25, FEBRUARY 1, 8, 2002
Affiant further deposes that he is authorized to verify this statement by the Cumberland
Law Journal, a legal periodical of general circulation, and that he is not interested in the subject
matter of the aforesaid notice or advertisement; and that all allegations in the foregoing
statements as to time, place and character of publication are true.
R ger M. Morgenthal, Editor
SWORN TO AND SUBSCRIBED before me this
8 day of FEBRUARY. 2002
C09S E.ySO~~Yb~f~, ~o~rf
v ~ ~~~
~ ~ , e, z~Os
~,.~,.
REAL ESTA'<sE SALE NO. 7
Writ No. 2001-4459 Civil
Sovereign Bank, FSB
vs.
Kermeth R Yohn and _
Joan S. Yohn
Atty.: Thomas E. Reilly, Jr.
EXI-IIBCP "P:
ALL 7HAT CERTAIN lot or tract
of ground situate in Hampden Town-
ship, Cumberland County, Pennsyl-
vania, more pazticulazly bounded
and described as follows, to wit:
BEGINNING at a point on the
northern right of way line of
Carrington Court East at the south-
west corner of Lot No. 6; thence
along said right of way line and along
a 20 feet sewer lateral easement by
a curve to the left said curve having
a radius of 60.00 feet and an azc
distance of 71.69 feet to a point;
thence along the same by a curve
to the right said curve having a m-'
dius of 25.00 feet and an azc dis-
tance of 3.32 feet to a point being
the southeast corner of Lot No. 8;
thence along Lot No. 8 North 39
degrees 19 minutes 33 seconds
West 123.95 feet to a point at lands
now or formerly of Frankun R. and
Joyce Roth; thence along said lands
North 39 degrees 39 minutes 33
seconds East 60.0 feet to a point at
- - .lands now or formerly of John H.
Zaugg; thence along said lands and
along a 20 feet sewer lateral ease-
ment. North 73 degrees 05 minutes
24 seconds East 98.86 feet to a
point being the northwest corner of
Lot No. 6; thence along Lot No. 6
and through a 20 feet sewer lateral
easement, South 05 degrees 12
minutes 06 seconds West 116.21
feet to a point being the place of
BEGINNING.
BEING THE SAME PREMISES
which Fogazty & Molinari, Associ-
ates, by its Deed dated October 11,
1995 and recorded on October 20,
1995, in the Office of the Recorder
of Deeds in and for Cumberland
County, at Deed Book Volume 129,
page 1055, granted and conveyed
unto Kenneth R Yohn and Joan S.
Yohn, Husband and Wife, their heirs
and assigns.
t +. ,.~, .
THE PATRIOT NEWS
THE SUNDAY PATRIOT NEWS
Proof of Publication
Under Act No. 587, Approved May 16, 1929
Commonwealth of Pennsylvania, County of Dauphin} ss
Michael Morrow being duly sworn according to law, deposes and says:
That he is the Asst. Controller of The Patriot News Co., a corporation organized and existing under the laws
of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in
the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot-News and The
Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the
City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th,
1854, and September 18th, 1949, respectively, and all have been continuously published ever since;
That the printed notice or publication which is securely attached hereto is exactly as printed and published in
their regular daily and/or Sunday/ Metro editions which appeared on the 29th day(s) January and the 5th and 12th
day(s) of February 2002. That neither he nor said Company is interested in the subject matter of said printed notice
or advertising, and that all of the allegations of this statement as to the time, place and character of publicalion are
true; and
That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this
statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and
adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in
the office for th9 Recording of Deeds in and for said County of Dauphi~ i~ Miscel~laneou~ ok "M",
Volume 14, Pa a 317. ~~`` ~/f~l~~ ~1
PUBLICATION ............................... Uv.~`..-
COPY Sworn to and subscribed before n
SALE#7 --'-
NoWdalSeat
Tarty L. Ru~~, NotaN Pu61k
Hanislwrg, Dauprdn County
My Commtsslon E~ires June e, 200Y
MembeG PennayNanla Assodation of Notai
day gYFebyrf~r 2002 A.D.
commission expires June 6, 2002
CUMBERLAND COUNTY SHERIFFS OFFICE
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA. 17013
I
Statement of Advertising Costs
To THE PATRIOT-NEWS CO., Dr.
For publishing the notice or publication attached
hereto on the above stated dates $ 268.80
Probating same Notary Fee(s) $ 1.50
Total $ 270.30
Publisher's Receipt for Advertising Cost
The Patriot News Co., publisher of The Patriot-News and The Sunday 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 ....................................................................
_ ..n.. __
_ _-.~
-Kenneth R.Yahn and
_: Joan S.Yohn
-Arty; Thaws 6 Fielly, Jr.
271?fC0`~I,~.
:T3AT CELYi¢'N',piece or, parcel of land
a point onthe,vonhem right of _
'arrington Conn Fast a[ the
of tnt No. 6: thence along said
ddtig the same by a verve
having a [adios of 25.00 ._
;e of 9;32 Ceet to, a pout
met of Int No. 8; thence
39 degmxs 19 minutes 33
;et to a point at lands now
R. and 7oyre Roth; thence
74 decrees 39 minutes J3 _
mg a 20 feet sewn lateral easement,
prges Qi minu(eA„24 gespnds Fast _
a pe.n[ being the northw<st come(of _
iencealong LotNo. 6 and through a
lateral easemen4 South OS degtees
6 auandcWest 116.2f feet to a pnrm
which Fogarq' @.
Recorder of:Devls_in and
Yohq Husband andVlil'e, tlxir _