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Home My WebLink About01-06380 .~, ~"UU" - ,'" , ~~ ,.J ",~,<b. - ,;, ',;. '".; . -,~" "< """;/~',:.-'4\,_' '. Spear & Hoftman, E .A. . BY: BONNIE DAHL, ESQUIRE Attomey 1.0. No. 79294 1020 North Kings Highway, Suite 210 Cherry Hill, New Jersey 08034 (856) 755-1560, Attorney for Plaintiff, Loan No. : 0001106087 BANK OF AMERICA, NA 475 CROSSPOINT PARKWAY P.O. BOX 9000 GETZVILLE, NY 14068-9000 PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. 01 - "'~ (]Lu:LY~ vs. JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN 318 STUMPSTOWNROAD MECHANICSBURO,.PA 17055 DEFENDANTS COMPLAINT-CN~ACTION COMPLAINT IN MORTGAGE FORECLOSURE .>.~. NOTICE You have been sued'in court If you wish to defend against the claims set forth in the following pages, you must take action within twentY (20) days after this complaint and notice are served, by entering a written appearance person!llly or by attorney and filing in writing with the court your defenses or objections to the claims set forth agajnst you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered agilinst you by the court without further notice for any money claimed in the complaint or for any other cllfim or relief requested by the Plaintiff. You may lose money or property or other rights importantto you. ' YOU SHOULD TAKE TillS 'pAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU'CAN GET LEGAL HELP. CuMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, P A 171 03 (717) 249-3166 ...: ,;.." '. "'"" ,-. -'. ,. - -- '~ ~--" -~, ,,- "-$'-',,", <..,- \. ",', ',,-- -'" ,:""-, ''''", '0' ;""--,j-'" ~,~,'"'~';~~,, 0'''''''' "-;_LJ;';~';;~'~v'~,,-,;;ii ",~;;,,,,';'>:':f<,,,,,i;-:i:'~;,'";,i.;,.:..;.j,bh:J:',, ";,- ~'h- ':;'~,' ,i:;',,-~," A VISO .... Le han demandado a usted en;"1a corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo a partir de la fecha de la demanda y la notificacion. Hace falta asentar una cO.N~!encia escrita 0 en persona 0 con un abogado y entregar a la corte en forma escrita sus defensas 0 sus obj eciones alas demandadas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso 0 notificacion. Ademas, la wrte puede decidir a favor del demandato y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero 0 sus propiedades 0 otros dereches importantes para usted. LLEVEESTADEMANDAA UN ABOGADO INMEDIATAMENTE, SINO TIENEABOGADO 0 SINO TIENE EL DINERO SUFICIENTE DE P AGAR TAL SERVICIO, VA Y A EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIAL LEGAL. , . . CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17103 (717) 249-3166 j: ,. ! ,..~~C'-d'.., < , . "..;"., ""'^' t, ,-~ -, "'~~'r.i"~;'; "':~;;.l;-, i.,,_,~'''';: ,~" :';;',,,! '_\<"', ~:;,'",,~l'"?J~~,c,;lx~;:;<~; ;", , ~,,_, :~::,~';! Spear & Hoffman, P.A. BY: BONNIE DAHL, ESQUIRE Attorney J.D. No. 79294 1020 North Kings Highway, Suite 210 Cherry Hill, New Jersey Q&OJ4 (&56) 755-1560, Attomey for Plaintiff, Loan No. : 00011060&7 BANK OF AMERICA,NA 475 CROSSPOINT PARKWAY P.O. BOX 9000 GETZVILLE, NY 14Q6&-9008 PLAIN:rIFF, . COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO, 01- G..3Jb C;olL~~ vs. JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN 31& STUMPSTOWNROAD; MECHANICSBURG, PA 17055 DEFENDANTS .; COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is BANK OF AMERICA, NA, with its principal place of business located at 475 CROSSPOINT PARKWAY, P.O. BOX 9000, GETZVILLE, NY 14068-9000. 2. The names and last known addresses ofthe Defendants are: JOSEPH EDWARD MARTIN AND PATRICIA ANNMARTIN, 318 STUMPSTOWN ROAD, MECHANICSBURG, P A 17055. 3. The interest of each individual Defendant is as mortgagor, real owner of the real property subject to the mortgage described below, or both, 4. On or about NOVEMBER 23, 1992, Mortgagors made, executed and delivered a Mortgage upon the premises hereinafter described to BANK UNITED OF TEXAS FSB, which Mortgage is recorded as follows: Office of the Recorder of Deeds in and for CUMBERLAND COUNTY DATE OF MORTGAGE: NOVEMBER 23, 1992 DATE RECORDED: DECEMBER 2, 1992 BOOK: 1105 PAGE: 415 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. 1019(g). A true and correct copy 'of said Mortgage is attached hereto as Exhibit "A" and incorporated herein by reference, 1 '" . _''",_ '~',o ^__, " ":'. ." ",...._"k",;" ,- "- ,>' ,~t;"~4"~'-' ;,-f: ;":;,~j,,,;<1':.;"::,f;i~;';;:';';:,J;-;!.r-;,.'i";;'--~~;,!,;o :_', ,.';':~~~~~ 5. On or about NOVEMBER 23, 1992, in consideration of their indebtedness to BANK UNITED OF TEXAS FSB, JOSEPHEDW ARD MARTIN AND P ATRICIA ANN MARTIN made executed , and delivered to BANK UNITED OF TEXAS FSB their promissory Note in the original principal amount of$112,500.00. A copy of said Note is attached hereto as Exhibit "B" and incorporated herein by reference. The Note is referenced herein only insofar as the terms of the Note are incorporated into the Mortgage. 6. Plaintiffis the legal holder of the Mortgage by virtue of being either the original Mortgagee, the legal successor in interest to the original Mortgagee, or the present holder of the Mortgage by virtue of the following assignments: ASSIGNOR:' BANK UNITED OF TEXAS FSB ASSIGNEE: CHEMICAL RESIDENTIAL MORTGAGE CORPORATION, A NEW JERSEY CORPORATION, FORMERLY KNOWN AS MARGARETTEN & COMPANY INC. DATE OF ASSIGNMENT: RECORDING DATE: BOOK: 2547:, JULY 21,1993 JULY 21, 1993 PAGE: 903 ASSIGNOR: CHEMICAL RESIDENTIAL MORTGAGE CORPORATION, A NEW JERSEY ,CO'RPORATION, FORMERLY KNOWN AS MARGARETTEN & COMPANY INC.'; . ASSIGNEE: " BANK OF AMERICA DATE OF ASSIGNMENT: SEPTEMBER 1,1994 RECORDING DATE: FEBRUARY 12,1996 BOOK: 513 PAGE: 660 7. The Mortgage is secured by property located at 318 STUMPSTOWN ROAD, MECHANICSBURG, PAl 7055, which is more particularly described in the legal description attached hereto as Exhibit "e" and incorporated herein by reference. 8. The Mortgage is in default because the monthly instaIlments of principal and interest and other charges stated below, all lfS authorized by the Mortgage, due 09/01100 and monthly thereafter are due and have not been paic( whereby the whole balance of principal and all interest due thereon have become immediately due and payable forthwith together with late charges, escrow deficit (if any), and costs of coIlection including title search fees and reasonable attomey's fees. 2 ~ - ~ , , ',~,~" t,j -'""--~,,,,-,!..," .," ~~.k",,,,:.;,,.:, ~-";;;, ,",,'.).;':"';;j~..~':,,);;~i~ ,.2d, -"':<0:'';~;,,;': .'__ ,'~ <~i,1.:g,: 9. The following amounts are due on the Mortgage: Principal Balil-nce $102,956.31 ". 8.00% interest from 08/0 1/00 to OCTOBER 9, 2001 at $22.88 per day $9,815.23 Accrued Late Charges $492.76 Escrow Advances made by Plaintiff $2,224.79 Corporate Advance Balance $75.00 Attomey's Fees $2,828.50 TOTAL A:c'vlOUNT DUE $118,392.59 Interest continues t~ accrue at the per diem rate of$22.88 for every day after OCTOBER 9,2001 that the debt remains: unpaid.' 10. During the course of this litigation costs may continue to accrue, including but not limited to escrow advances, late charges, attomey's fees, etc. II. The original principal balance of the Mortgage is in excess of $50,000.00 and therefore, , , Notice of Intention to Foreclose Mortgage, pursuant to Act 6, 41 P.S. 9403 is not applicable. 12. Pursuant to the notice provisions of Act 91, 35 P.S. 91680A03(c), notice was sent to Defendants, dated AUGUST 2, 200 I. Copies of the notices to the defendants are attached as Exhibit "D". Defendants have failed to meet with the plaintiff or any of the consumer credit counseling agencies listed in the notice and/or havt< furth~r failed to meet the time limitations specified in the notice and/or have been denied assistance from the Pennsylvania Housing Finance Agency. 13. Notice'pUrsuant to the Fair Debt Collection Practices Act is attached as Exhibit "E". WHEREFORE, Plaintiff respectfully requests this Court to enter judgment IN REM in favor of Plaintiff and against the within named property of the Defendants in the amount set forth in paragraph 9, together with interest accruing after OCTOBER 9, 2001 to the date of Judgment, plus 6% legal rate of interest from date of Judgment to Final Sale, and Sheriff Sale costs, together with all costs of suit and any money hereafter expended by'the Plaintiff in payment of taxes, sewer and water rents, claims or charges for 3 ,.., - ~=,,~ , '~'~ "''''''~' .' ,-- - """,',/C,_,'''_ ;)','_ L/~'- p',- ,- ",~,,-, '~''-'';',oi:>';'"';''' :"'-i;;;';'."~' <'.'$ :,,~"~i':' )! insurance orrepairs and any and all other advances hereafter made by the Plaintiff as stated in paragraph 10, pursuant to the rights and privileges granted underthe terms ofthe subject mortgage, and for foreclosure and sale of the Mortgaged property. SPEAR & HOFFMAN, PA DATE: , A {JJ~ 'BONNIE DAHL, ESQUIRE 4 " .., ., - ~ ~ =,"~' ! "" Exhibit "A" ..' "~,- >, '''''',J.''_,,~,~ ." ',,- I~ ';' , " '" ", . , . . _ . II.. I ,. ~." ~,;. ',,,,~-,,,..,"; -:-"0'-'''''''' /"0 T~',->",' ,,~:' ,''''''i~{''';i,,;;t1! "'. . . n" ~U :,_....:~ ," .~'"~~ _~"",l ~ ~ ,~"< ':u.' ;..,j~~\k:; I': PREPARED BY TINA FOULDS L1 d310 3- '-P VAfilna~(I"""__, lIMsedJ.....l91.S,tboap. 1__.5ec1iDIIl8ltrllleJ8 lJ.s.c.~1lk"'FWenll NIIIionaIMlIfI&'FAQoci81iOft. RETURN TO BANK UNITEQ OF TEXAS FSB DBA COMMONWEALTH UNITED MTG 3461 MARKET STREET CAMP HILL N1l0ttmACE PENNSYLVANIA .> " , . ir% I \ blc061 . THIS INDENTURE. made the 23 RD nine hundred and NINETY TWO A. %RTIN , MARRIED .!!1~4..,I.-" -.... day of NO V E M B ERin the year of our Lord one thousand ,BETWEEN JOSEPH E. MARTIN AND PATRICIA NITED OF TEXAS FSB organized and existing under the laws of UN I TED S TAT E S al office and post-office address in 3200 SOUTHWEST FREEWAY. #2000 er called Mortgagee): TEXAS 77027 (hereinafter called Mortgagor) and . . and having HOUSTON. WITNESSETH: That the Mortgagor to secure the payment of FIVE HUNDRED AND 00 100 ONE HUNDRED TWELVE THOUSAND Dollars($ *,':112 500.00 ),withinterestfromdate,attherateof EIGHT AND 00000 1 00000 per centum ( 8 . 000 %) per annum on ,the unpaid balance until paid, as provided in a Note of even date herewith, from the Mortgagor to the Mortgagee, in monthly installments of EIGHT HUNDRED TWENTY FIVE AND 49 roo Dollars ($ *,';"".''**B25 -49 ), commencing' on the first day of JANUARY 11993 ,and continuing thereafter on the first day of each month untiJ such debt is fully paid, except that. if not sooner paid, .. the final paymentthereof shall be due and payable o~ lI1e first day of DECEMBER , 2022 , and '1'~t~11.(j]jC ~secure the performance of all covenants. agreements and conditions herein contained, does by these nts grant, bargain, sell. assign, release. convey and confirm to the Mortgagee. ALL the following described real 'dJ.,t. pro rty situated in the TOWNSHIP ......+' : of MONROE , lIf Coli yof 1f/4t/lIN I C:;'RLAND V !andCommonwealth of Pennsylvania. to wit: f0 'rmls WAN IS ~mT Al'I'IIM Q A,PPRUVAL OF THE rr~:~!~' A8LE WITHOUT T"" ! . V~ I d;hNS ADMINI$,Tnf.' ATTACHED LEGr. LDEsnRrJI$oAUruORlIED AGE 'T-!~:~'~" , 1. "e,." f/.(/ . ~ < J "'~!"i~~(J ".I, UJ I-.-.JN S ---" SEE - w z..,.,.-t ;~ ~ g~E . N '~;~,,~: ~ 1 is ~ it'" O-"\~----, I',) C) t;J u.J f) oOn.J c=l rr.:~='::': N ~; crl rA THE WITHIN MORTGAGE IS A FIRST PURCHASE MONEY MORTGAGE. THE CONSIDERATION FOR WHICH CONSTITUTES A PART OF THE PURCHASE PRICE OF THE ABOVE DESCRIBED PROPERTY. BEING THE SAME PREMISES CONVEYED TO THE MORTGAGORS BY DEED FROM OF EVEN DATE. TO BE RECORDED SIMULTANEOUSLY HEREWITH. TOGETHER with all and singular the buildings, improvements, and fixtures on said premises, as well as all additions Of improvements nOw or hereafter made to said premises, streets, alleys, passages, ways, waters, water courses, rights, liberties. privileges, hereditaments. and appurtenances whatsoever thereunto belonging, or in any wise appertaining, and the reversions and remainders, rents. issues, and profits thrc;pf, and in addition tbereto the following described household appliances. which are, and shall be deemed to be, fixtures and a part of the realty, and are a portion of the security for the indebtedness herein mentioned, namely, .-'", provided, however, that the Mortgagor shall be entitled to collect and retain the said rents, issues, and profits until default hereunder: To HAVE AND lD HOLD said property, hereby granted, with the appurtenances, unto said Mortgagee to its own use forever: VMP A hOo!1105 rAC[ 415 00923103 ~~_. ~,..,_ ~""_~"'rn' _.....~ ',lW J" _ l .01- "'.;._ '-,'-.'"",'" ",".!C, ;~!'.;k VMP2 00923103 ~ . , . This Indenture is made, however, subject to the following covenantst conditions, agreements and stipulations and the Mortgagor covenants and agrees; , . l. That the ~ortgagor. will promptly pay ~he pri~cipal o,f and .i'!terest on the indebtednes~ evidenced by the said ~ote, at the limes a!ld I." the manner therem provldciJ, with pnvdege reserved to prepay at any time, without premium or fee. the enUre I,!debted~ess or any part th~reof not less than ~e amount of one instalJment. or one hundred dollars ($UJO.OO), whichever IS ].ss. Prepayment m full ~I be Credited on the date received. Partial prepay- ment! other than on an msrallment due: date, need not be credited unul the nexl folJowing installment due date or ~Irty days after such prepayment, whichever is earlier. , 2. To more fully protect the security of this Monga,ge, the Mortgagor shall pay to the Mortgagee as trustee (under the terms of this trust as hereina{tCr stated) in addition to and concurrently WIth each monthly installment of principal and interest until said Note is fully paid. the following sums: ' (a) A sum equal to the ground rents. ,r any, next due. plus the premiums that will nex.t become due and payable on policies of fire and other hazard insurance, plus taxes. assessments. and sewer and water rents next due on the premises covered by this Mongage (all as estimated by the Mortgagee and of which the Mongago; is .notified) less all sums already paid there(of divided by Ihe number of months 'to elapse before one month pnor to the date when such ground rents. prerruu~s. taxes, assessments, and sewer and water rents. will become due, such sums to be held Oy Mortgagee in trust to pay said ground rents, premiums, taxes, assessments. and sewer and water rents. ! ; (b) The aggregate of the amounts payable.: pursuant to subparagraph (a) and those payable on this debt shan be paid in a smgle payment each month. to be applied to the foHewing items in the order stated: (I) ground rents, taxes, assessments, sewer and water rents. fire and Olher hazard insurance premiums' (II) mterest on this debt; and . (lU) amortization of the principal of thi~ de~1. Any deficiency in the amount of any SllCh ~ggregate' monthly payment shan constitute an event of default hereunder and under said Note, unless made gOod by Mortgagor prior to the due date of the next such payment. At Mortgagee's option, Mortgagor will pay a "'ate charge.' not exceeding four per centum (4%) of anY'IDstaUment when paid more than fifteen (5) days aft_er the due date thereof to cover the extra expense involved in handling delinquent payments, but such "]at. charge" shall not be payable out of the proceeds of any sale mad. to satisfy the indebtedness secured hereby. unless such proceeds of any sale made to satisfy the indebtedness secured hereby. unless such proceeds are sufficient to discharge the enUre indebtedness and all proper costs and expenses secured thereby. 3. If the total of the payments made by Mortgagor, under (a) of paragraph 2 preceding, shall exceed the amount of payments actually made by Mortgagee as trustee for ground rents, taxes, assessments, sewer or water rents, or insurance premiums. as the case may be such exs;ess shall De credited on subsequent payments to be made by Mortgagor for such items or, Mortgagee's option, as trustee, shall be refunded to Mot:f.gagor. If. however. such monttily p!lYments shall not be sufficient to pay such items when the same shalJ become due and payable, then Mortgagor shall pay to Mortgagee as trustee any amount necessary 10 make up the deficiency within thirty (30) days after written notice from Mongagee stating the amount of the deficiency, :which notice m~ be given by mail. If at any time Mortgagor shall tender to Mortgagee, in accordance with the provisions hereof, the fun payment of the entire indebtedness represented hereby. MOr1gagee. as trustee. shall in computing. the amount of such indebtedness. credit to the account of Mortgagor any credit balance remaining under the provisions of (a) of paragraph 2. If there shall be a default under any of the provisions of the Now and this Mortg,age securing the same, which results in a public sale of the premises covered thereby. or if title'lo the property IS otherwise acquired by the Mortgagee after the default, the Mort@agee, as trustee, snalJ apply, at the Hme of the commencement of such I?roceedings or at the lime the property IS otherwise acquired bY the Mortgagee, the balance then remaining to the credit of Mortgagor under (a) ofJ'aragraph 2. as a credit on the interest accrued and unpaid, and the balance on the principal then remaining unpai on the Note. 4. Mortga$Of shall pay to Mortgagee all ground rents, taxes, assessments, sewer and water rents, and all other charges and claims assessed or levied at any time by any lawful authority upon the premises covered by this Mortgage which. by any present or future law or laws. shall have priority in lien or payment to the debt represented by said Note and secured by this Mortgage. and provision for the payment of whIch is not otherwise made herein. such payment to be made by Mortgagor within thirty (30) days after demand by Mortgagee. stating the amount. 5. The principal indebtedness here~ evidenced and secured represents money actually used for the acquisi- tion of or for improvements to the pre.lIllses secured by said Mortgage. 6. Mortgagor will continually maintain hazard insurance. of such type or types and amounts as the Mortgagee may from time to time require, on the improvements now or hereafter on said premises. and except when payment for all such premiums has theretofore been made under (a) of ~ragraph 2 hereof. wiJI pay promptly wnen due - any premiums therefor. AU insurance shall be carried in companies approved by Mortgagee and ilie policies and renewaJs thereof shall be held by Mortgagee and have attached thereto loss payaole clauses in favor of and in form acceptable to Mortgagee. in event of loss, Mortgagor wilJ give immediate notice by maiJ to Mortgap, and Mortgagee may make proof of loss if nol made promptly l?Y Mortgagor. Each insurance company concerned is hereby authorized and directed to make payment for such los5 directly to Mortgagee. instead of to Mortgagor and Mortgagee jointly. The insurance procecils. or any part thereof. may be applied by Mortgagee at its option either to the reduction of the indebtedness or 10 the restoration. or repair of the ,property damaged. In the sole and absolute discretion of Mortgagee. in event of foreclosure of the Mortgage or transfer of title to the mortgaged property in partial or total extmguishment of the Note hereby secured. all righl. title. and interest of Mortgagor in ana 10 any Insurance p'!>licies then in force shaH pass to the purchaser or srantee or shall be canceled and the cancel1ation 'proceeds, If any. retained by Mortgagee. Full power is hereby given to Mortgagee to settle or compromise all claims under such policies and to demand. receive and receipt for all moneys becoming payable thereunder. 7. Mortgagor shall not execute or file of record any instrument which imposes a restriction upon the sale or occupancy of the property herein described on the basis of race. color or creed. 8. Mortgagor will not suffer any 1i~n..sU{ler~or to the lien created by this ~ortgage ~o attach to or to be ~n- forced against die premises covered by thlS Mortgage. Mortgagor shall not commit or permit waste; and s,han malD~ rain the property In as ~ood condition as at present. reasonable wear and tear excepted. Upon any fadure so to maintain, Mort~a~ee. at Its option. may cause reasonable mai~tenanc~ work to be perfonned at the cost of Mortgagor. T~E MORTGAGOR COVENANTS lNO AGREES T~AT SO LONG AS T~IS MORTGAGE ANO T~E . SAID NOTE SECURED ~EIlEBY ARE GUARANTEED UNDER T~E PROVISIONS OF T~E .". ~'.._ ";"01 SERVICEMEN S READJUSTMENT ACT OF 1944 HE WILL NOT EXECUTE OR FILE FOR .'n.. -'" RECO~D ANY INSTRUMENT WHICH IMPOSES A RESTRICT ION UPON THE SALE OR 1.>'?"7" OCCUPANCY, OF T~E MORTGAGED PROPERTY ON THE BASIS OF RACE COLOR OR CR~~ : UPON ANY VIOLATION OF T~IS UNDERTAKING T~E MORTGAGEE MAY AT ITS OP.l N, -j D'E:'gLAR~' THE UN-PAID 'BALANCE of TP'.' -lEBT SECURED HEREBY IMMEDIATELY t A, -i/ .._'"""'....l~~~ ....~i~~'. -~...- - ~~"' I, - L ~'"'"~'"'... ~~ .<~.'~. ~1D" - .' ".' ",'. <,;~,..i""",#-''-! . VMP3 ').~23'\U Tile; TIILE SECRETARY OF VET....ANS AFFAIRS SHALL BE SUBSTITUTBt. il'P~Ai'lZQ:F fADMINISTRATOR OF VETERANS AFFAIRS.. EACH TIME THAT IT APPEARS IN,.-THT DOCUMENT PURSUANT TO \HE PROVISIONS OF SECTION 2, PUB. L. NO. lfio 527 HE DEPARTMENT OF .,vET'ERANS AFFAIRS ACT. i '. ( Y4'/lLn-- 9. Mortgagee shall have the ri2ht to pay any ground- rents, ,taxes, assessments sewer and rer:;: and! all other charges an.,. d. clai"!s which Mortgagor has agreed to pay under the terms hei:eor, to a<!vance d PaY sums of money that m Its Judgment may be necessary 10 perfect or preserve the title of the premises . by' this Mortgage, or for insurance premiums or for any authorized maIntenance work. Any amount or, amounts so pa!d or advanced shall be added 10 the principal deDt, shall bear iuterest at the rate provided for in the principal I~debtedness fr;om;:the date of ~ment or adv'.lfice, lpId shall be secured by this Mortgage ratably with said pnn- c.pal debt and mterest thereon. Mortgagee, at Its OptIOU. .also shall be entided to be subrogated to any lien cfaim or demand paid by' it, or discharged with money advanced by it and secured by this Mortgage. The payments and advances so made s. han be payable in apProximately. equal monthly: payments extending over such penods as may ~ agreed upon by the M~rtgagor and Mortwlgee, but n,,\ beyond the due date of the final installment of the prin- Cipal debt. In event of failure 10 agree on (late of maturIty. the whole of the sum or sums so paid or advanced stiall be due and payable thirty (30) days after denjand bY Mortgagee. 10. The lien of this Mortgagee shan remain in full force and effect during postponement or eJl:tension of the time of payment of the indebiedness. or any part thereof, which it secures. 11. Upon the request of Mortgagee, Mortgago! sbail execu~ and deliv~r a. supplemental 'Note or Notes for the sum or sums advanced or paiab)i Mortga~ f~r the alteration, modemIZabon or improvement of the mort- gaged property made at Mortgagor's request; ana fur njainte8ance of said plOl'Crt)'; or ground rents, taxes, assessments, sewer ana water rents, and alr other charges and claims assessed or levied against said property by any lawful authority, or for an.Y ~er purpose elsewrn;:re authorized here1pl~er. Said Note or Notes shall lie secuted by this Mortgage on a panty With and as fully as If the amounts stated In such Note or Notes were part of that stated in the Note hereby ,secured. Said supplemental Note or Notes shall bear interest at the rate provided for in the principal in- debtedness and shall be payable in approximately equal monthly payments for such period as ~ be agreea upon by Mortgagor and MoJ1gagee. In event of failure to :agree on date of maturi~, the whole of the sum or sums so advanced or paid shall De aue and payable thirty (30.> ~ after demand ~ Mortgagee; but in no event shall any such maturity or due date extend beyond the due date Of the final installinent of the principal debt. 12. If the indebtedness secured hereby be guaranteed or insured under Title 3B, United States Code, such Title and Regulations issued thereunder and in effect on the date hereof shall govern the rights. duties and liabilities of the panies hereto, and ~ provisions of this or other instruments executed in connection with said indebtedness which are inconsistent with said Title or Regulations are hereby amended to conform thereto. 13. If. at any timet a Writ of Execution (Money Judgment) or other execution is properly issued upon a judg. ment obtained upon said Note, or if an Action of Mortgage Foreclosure or any other appropriate action or pro-- ceeding to foreclose a mortgage is instituted upon or under this Mortgage, an attorney's. commission of F rv E per centum ( 5 . 00 %) of said principal debt shall be payable, and recovered in addition to all principal and interest and aU other recoverable sums then due. together with costs of suit. . 14.~' If any deficiency in the amount of any aggregate monthly payment ,mentioned in (b) of paIl!graph 2 shall not be m'ade good by Mortgagor prior to the due -date of the next such payment, or if default be inade at any time in any pf the covenants ana agreements herein, or in the Note secured,' then and in every such case. the whole prinCIpal debt shall, at the optinn of Mortgagee, become due and payable immediately. Payment thereof and all IRterest accrued thereon, wid) an attorney's commission as hereinbefure mentioned, may be enforced and recovered at once, anything herein contained to the contrary notwithstandi.ng. In the event of any breach of any covenant, condition, or 'agreement of said Note, or of this Mortgage, it shall be lawful for Mortgagee to enter upon all and singular the land. buildings, and other rights, corporeal and incor- poreal. granted by tius Mortgage, and to take possession of the same, and of the fixtures and equipment therein, and to have, hold. manage, lease to any person or persons, use and operate the same in such parcels and on such terms and for such periods of time as Mortgagee may deem proper in its sole discretion. Mortgagor agreeing that he shall and will. whenever requested by Mortgagee so to do. assigfl, transfer, and deliver unto Mortgagee any lease or sublease; and to collect and receive aU rents. issues, and profits of said mortgaged premises and every part thereof; for all of which said Note shall he a sufficient warrant whether or not such lease or sublease has been assigned; and to make from time to time all reasonable alterations, renovations, repairs, and replacements thereto. After deducting the cost of such alterations, renovations, repairs, replacements, and the exJJ!mSCs incident to taldng and retainin~ possession of the mo~aged property. the management and operation thereof, and to' keeP':: ing the same properly Insured, to apply any residue oT such rents. issues, and profits to the payment of (aJ all ground rents, taxes, charges, claims, assessments, sewer and water rents, and any other liens that may be prior ID lien or payment to the oebt secured by this Mortgage. with interest thereon, (b) premiums fur said insurance. with interest thereon, (c) the interest and principal due and secured by this Mortgage with all costs and attorney's fees; in such order or priority as Mortgagee may determine, any statute, law, custom, or use to the contrary notwithstanding. The taking of possession of the mortgaged premises by Mortgagee, as herein provided shall not relieve any default by Mortgagor, or ,prevent the enforcement of any of the rerocities provided by said Note or this Mortgage. . The remedies provided by said Note and this Mortgage or any other indebtedness therein provided or secured by this Mo~ge, and for the perfonnance of the covenants, conditions, and agreements of said Note or this Mortgage are cumulative and concurrent, and may be pursued singly, or successively, or together. at the sole discretion of Mortgagee, and may he exercised as often as occasion ilierefor shall occur. PROVIDED, that in case default shan be made in theJ'ayment of any installment of principal and interest. or any other payment hereinabove or in the conditions of sai recited Note provided for, or in the ~ins: and perfor- mance by the Mortgagor of any covenant or ~reement contained therein or in this Mortgage to be l;JY SaId Mortgagor kept and perfonneO.ln the manner and at the time specified for the performance theieol, such default will entitle Mo~gee forthwith to bring and sue out an Action of Mortgage FOreclosure upon this Indenture of Mortgage, or to mstitute 8D)' other appropriate action or proceeding to foreclose a mortgage:, and to proceed thereon to JuaJ. ment and execulIon, for recOvery of said principal debt 0.. sums and all interest thereon aiul all other sums herelly iJ .... .... ::> I' , , , ~- ". . . .! - . . . . . . . - . . . . . . . . . . . ,;,,,,, '.' ,r~~?;,rS dHE MORTCAGOR COVENANTS AND AGREES THAT SROULD THIS MORTGAGE OR TljE"'N"5~ Sf-CURED HEREBY NOT BE ELIGIBLE FOR GUARANTY OR INSURANCE UNDER TH~~W ~ SERVICEMENS READJUSTMENT ACT WITRIN 90 DAYS FROM THE DATE HEREOF (WR N S1ATEMENT OF ANY OFFICER OR AUTHORIZED AGENT OF THE VETERANS ADMINISTRATION DECLINING TO GUARANTEE OR INSURE SAID NOTE AND_OR IS # MORTGAGE BEING DEEMED CONCLUSIVE PROOF OF SUCH INELIGIBILITY), THE KS~T HOLDER OF THE NOTE SECURED HEREBY OR ANY SUBSEQUENT HOLDER THEREOF ~AY, AT ItS OPTION, OECLARE ALL NOTES SECURED REREBY IMMEDIATELY DUE ANO PAYABLE.' """"'''''''''.....- "lJilMIijilllillll ~'d'lilIllIIlIII:II ~ "~~ ,W,-.,"l _ "i.- '~-,;;";';;;",<i-.,.;.".L:..k"'ji .. VMP4 00923103 secured, together with an attorney's commission fot collection, as aforesaid, and costs and exJ!Cnses of such pro- ceeding, and to pursue any and all other appropriat~ or equitable remedies in such cases ,Pwvioed without further stay ofexecurion or other process, any law, usage, or custom to the contrary notwithstandlOg. Mortgagor expressly waives and relinquishes aU benefit that mar. accrue py virtue of any and every law made or to be made exempting the mortgaged premises or any other premises or p~~ whatever, real or personal, from attachment, levy, or sale under execution, or any part of the proceeds artsing from any sale thereof, and aU benefit of any stay of execu- tion, or any part of the proceeds arising from any sale thereof, and all benefit of any stay of execution or other process. Mortgagor hereby waives and relinquishesjunto and in favor of the Mort~gee, all benefit under all laws now in effect 'or hereafter passed to relieve the Mortgagor in any manner from the obligations assumed in the Note for" whi~h ,this.lq4~~ture IS se<<::~rity. ;: : Btiip,ROvtDED"ALWAYS, nevertheless, that if :said Mortgagor shall pay or cause to be ,Paid unto the said Mort~e, the aforesaid debt secured by this Mortgage:, when and in the manner hereinbefore mentioned and apJX!inted fOf! ~aYment of the same, together With interest and all other sums hereby secured, then and from thenceforth, this Indenture, and the estate hereby granted, as well as said recited Note, shaH cease, determine, and become void, anything hereinbefore or in said Note contained to the contrary notwithstanding. ' I If this Mortgage is executed by more than one pe~n iu Mortgagor, the liability of each shall be joint and several. I The covenants, conditions, and provisions contained in said Note, or in this Mortgage, shall bind, and the benefits and advantages thereof shall mute to, the respective h,eirs, executors, administrators, successors, vendees, and assigns of the parties hereto or thereto; and, when:ever used in said Note or in this Mortgage, the singular number shall inClude the plural, the plural the singular. the:use of any gender shall be applicable to all genders, and the term "Mortgagee' shall include any payee of the indebtedness represented by said Note. or secured 6y this Mortgage, or :any transferee thereof, whether by operation of:law or otherwise. IN WITNESS WHEREOF. Mortgagor hereunto ~ts his hand and seal. Dated the day and year first hereinabove written. SIGNED, SEALED AND DELIVERED , J ~ THE PRESENCE OF: , L '0/ ClLU...LV.lLd:ta..JUi--:LL(L p . ao.;U; L~ ~r~~........ .J~d~M:?~.. PATRICIA A. MARTIN .... (SEAL.) .." p (SEAL) ........,.." (SEAL.) ..... p' P............ (SEAL) I, correct addrilBS illf lIIeBRiOJld.ilalRed Mortgagee is CERTIFICATE OF RESIDENCE . do bereby certify that the -31../ 0/ Y17CJJL}{u:..li. /(!amp ..:L6JLPcu /I!()/j Witness my hand this cJ.3 td- day of COMMONWEALTH OF PENNSYLVANIA " I A J ss COUNTY OF LU/(I~ 00 this <:93 Ni- day of , 19 . NO~E~~~. Nl.nr1!.~OORf, AgentofMorttaSH ,A.D., 19 N 0 Uiil\!l/h~ above-named 9 2 aIId aMlft\\W1Wigea t/ll,A&llIIinodenture of Mortgage to be to be recorded as such, WITNESS my ha an sea, n year all 'I.l/eIIes.~- :-ct.:~E>qireSNov.~ , 01_ := !3 S -< z ~ ~ Z"";.J OOtj :0 z :0 ~ o ~ u ~ ~ ~ ~ '" "" "' ..J r.l ~ ~ ~ o ~ "" '" '" .. " .. t> .. '"" " '"" '" .. .. '" " .Z 0 '<[j"'tCl". '"" Z'" '""'" .... "'''' .. '" . ,Z "''"'' .. "'''' "'.. "'''' en o ..,.. THEIR said: .~J... '7 '" .. " '" 0"" ... '" o My((ltM\iltiQt\e~~l '" '" '" .. '"" z .. t> ..J '" '" oz ..z ,0'" "'''' z - :-: ~ ~~ ~ ~ ii",~ ~~ ~'" ~21 ~ o~ ""E ~> 8ts ~ ~ci3 " ~ -S 'li' l~ ~ 0 " ." ~ ~~ .,,0 . ' o \'. ..,., E-] o , ,., {! 0 .'" . . .-s ~ ~ G{ :~ . , :~ PO -< ~, 1"J ~ '" o .. :c ~ !3<"'" '<(zo "'~ . ~:>:'" z,-,O 0>->- ::E~'" ::EZ~ 0"'0 uo..u ,,') c:.: .,;.;, '"' ,~ -"'rc',,",,~""""-~- ~ < -'-. ",.,...,..~".",....,-- ~~ . .~ . " ." VA 1\SSlJMPTION RIDER THIS LOAN IS NOT ASSUMABLE WITHOUT THE APPROVAL OF THE VETERANS ADMINISTRATION OR ITS AUTHORIZED AGENT: TIIIS RIDER to the Security Instrument is made this 23RD day of NOVEMBER , 19 92 ,and is incorporated into and shall be dee11'ed to amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security Instrument") of the same date, given by the undersigned (the lIBorrCMe~tJ) . to 'secure Borrower I s Note to BANK UNITED OF TEXAS FSB (the "Lender" I of the same date and covering the Property described in the Security Instrument to which this Rider is attached. . The Security rnst.rument to which this Rider is attached shall be /llOOI1ded by adding thereto the following described paragraphs: "This loan is imnediately due and payable upon transfer of the property securing such loan to any transferee, unless the acceptability of the, assumption of the loan is established pursuant to section lli17A of Chapter 37, Title 38, 'United States Code. A fee equal to one-half of 1 pe>:cent of the balance of this loan as of the date of transfer of the property shall be payable at the time of transfer to the loan holder or its authorized agent, as trustee for the Administrator of Veterans Affairs. If the as.."llIler fails to pay this fee 'at the time of transfer, the fee shall constitute an additional debt to that already secured by this instronent, shall bear interest at the rate herein provided, and, at the option i of the payee of the indebtedness hereby secured or any tranferee thereof, shall be imnediately due and payable. This fee is aU1:alatically waived if the asSIlIler is exempt under the provision~ of; 38 U.S.C. 1829(b). Upon application for ~l to allow ass1ll11ption of this loan, a processing fee may be' charged by the lo<m holder or its authorized agent for detennining the creditworthiness of the assuner and subsequently revising the holder I S CMnershi:p records when an approved transf...: i~ c:anp1eted. The arrount of this charge shall not exceed the mBxinun established by the Veterans l\dministration for a loan 1:0 Which Section 181710 of Chapter 37, Title 38, United States Codei ,.wlies. l 1 If this' obligation is aSSUl\'ed, then the aSSUll'er hereby agrees to asSUlre all of ~ ob;tigations of the veteran under the tams ,of the instruIrent~ creating. and securing the loan, inlcuding the obligation ofl thEl veteran to indannify the Veterans . Mrni.nistration to the extej1t of any clailn' paYll'el1t arising fran . the guaranty or insurance lof ,the indebtedness created by this instnntent. II \ I I i BY SIGNING BELC!'1, Borrower i ac<:epts and agrees to the teI111S and provisions contained in this Ridf!r to the Security Instrument. ~. f~~-' ~OSEPH E MARTIN .J;JZi/L/J4;t;. PATRICIA A MARTIN iiOiHID5 rActt~n VA ASSUMPI'ION RIDER CMCh, J~ 78305 (3/8B) , --- .. Exhibit "B" ''''-':''''''1J'"=,.>I~,'^,C _'; ,,-oc, -x',' .,,;,,", ,"c' "";"i'~i;.;. ,<.;-o~ ':'~j _: ---"-~~ - ~= .. ~ .~..............- .- ~ M~~~~ ~ = '- ~ l~ l II THE TITLE 'SECRETARY &)Vf '.lAHS AFFAIRS SHALL BUUBSTIIUn ~ADMINISTRATOR OF VETERAHS dFFAIRS EACH TIME THAT IT APPEARS DOCUMENT PURSUAHT TO THEPROV~SIOHS~gF SECTION 2~ PUB. L. NO. DEPARTMENT OF VETERANS AFFAIRS ACT. VA FIIn1126-6J3ti1l (Home 1..llan) Rllvised March 1m Uu Op. liolllll Seclion,lSro. nIle 38, U.S.C.~ptableloFedefllINa. liI)TlllIM()T1g'/lgeMsociation. 00923103 'OR THA.T ,<;IF (N hliti!r:il filer" 100.5 liE MORTGAGE NOTE IIO(,U'(' CAMP HILL . Pennsylvania. $ *****112,500.00 ~ " FOR VALUE RECEIVED, the undersigned, .MKRRIED HOVEMBER 23 ,19 92 JOSEPH E. MARTIN AHD PATRICIA A. MARTIN UNITED OF TEXAS FSB . nm organized and existing under the laws of the UN I TED S TATES ) or order hereinafter designated as the Payee, the8rincipaI sum of ONE HUNDRED TWELVE THO AHD FIVE HUNDRED AHD OO.l 0 . DoUars($ **'112;500.00 ) with ilJ.ler t from date at the rate of EIGHT AHD 00000.100000 ~r centum ( * 8 . 000 %) per annum on the unpaid balance until paid. The said principal and interest shall be payable at the office of BANK UHITED OF TEXAS FSB > hereinafter called the Maker, promises to pay to HOUSTON. TEXAS 77027 d 3200 SOUTHWEST FREEWAY, #2000 or such place as (he holder may designate in writing in monthly installments of E I G H T HUNDRED TWENTY FIVE AND 49'"100 Dollars ($ **'****825.49), commencing on the first day of JANUARY ,19 93 , and on the first day of each month thereafter untU the principal and interest are fully paid, except that the final payment of me entire indebtedness evidenced hereby, if not sooner paid, shall be due and payable on the first day of DECEMBER, 2022. Privilege is reserved to prepay at any time, without premium or fee, the entire indebtedness or any part thereof not less than the amount of one installment, or One Hundred Qollars ($100.00), whichever is less. Prepayment in full shall be credited on the date received. Partil\fiPittiaYfuoiW$tJtlier than on an installment due date. need not be credited until the next following installment due date days after such prepayment, whichever is earlier. Simultaneously with the execution of this Note t Maker h xecuted and delivered to the Payee a Mortgage secured upon certain premises situated in the Count of lHZEtltt , Commonwealth of Pen,nsy!vania, more particularly described in the 0 ge. All e terms, covenants, provisions, conditions, stipulations and agreements contained in said Mortg e to be keg and performed by the Maker are hereby made a part of this Note t.o the same extent and with the S~-n>>"' d effect as if they were funy set f.orth herein, and the Maker covenants and agrees to perform the same; .or cause the same to be kept and perfonned, strictly in accordance with the terms and provisions thereof. I , The whole of the principal sum .or any part thereaf, and .of any .other sums .of money secured by the Mortgage given t.o secure this Note, shalJ, forthwith, at the option of the Payee or any subsequent holder thereof, become due and payable immediately, without n.otice .or demand, if default be made in any payment under this Note, and if the default is n.ot made good prior ta the due date qr th~ next such installment; .or upon the happening of any default which, by the terms .of the Mortgage given ta Secure this Note, shall entitle the Payee, .or any subsequent halder hereof, t.o declare the same, or any part thereof, t9 be due and payable. The Maker does hereby empower any attarney a( any c.ourt .of record within the United States or elsewhere t.o appear for Maker, with .or without a declaration filed, atJd confess judgment .or judgments against said Maker in favor.of the Payee or any subsequent holder hereof, as ofaoy term; for the entire unpaid principal of this Nate, and all other sums paid by the holder here.of to .or on heh~f .of the Maker pursuant to the terms .of this Note or said Mortgage, and all arrearages .of interest therePn, :together with costs of suit, attarney's commission of 5 ~ 0000 % for collection, and a release of a~l errors, on which judgment execution or executions may issue forthwith. The Maker hereby waives the right of jnq~isiti('" on all property levied upon to collect the indebtedness evidenced hereby and does voluntarily condemn the sarrie and authorizes the Prothonotary t.o enter such condemna- tion, and waives and releases all laws, now in force orlhereafter enacted, relating to exemption, appraisement or stay of execution.. j 1 . The agreements herein contained shan bind, and the be~efits and advantages shall inure to, the respective suc- cessors and assigns of the parties hereto. Wherever usep, t~e singular number shall include the plural, the plural the singular, and the use of any gender shall be applicable to all genders. IN ~rrNESS WHEREOF, the Maker has caused thes~ pre~ents to be executed under seal, the day and year first above wfltten. ' ~igned, Sealed and Del.iv..e.re.d... f. '1\!\1iW'~\ ,\\\t q. _ / C' ~. 10 the Presence .of: onn~~"i\flt~.V\ f ~'t,~\ "1~.l n\\ ~ l"~ l\~"\ \~ Htl1 1,;;\,":':;\~r\\1S\'~u.\'\ . JDJE;R E. MA'2I~4 \1\1~~ t\lt" ,'j,.. .' ,., "r':l>~( r"~.,.:" 8d![Uil. t;( IlltJ/J/'vJ( \\ ~~~~ '\\. \ .:. .". _'_I '."'. \ ", '\ PATR-lCh\ A. MARnN ~ ~n'O:1 \;~.,., _ ",~ :',:' ., l~ 1\" ,~n.,~" .t\ [.(t\\ &~lJ;.~~ 9/~) hi-if J.,,~ in (SEAL) (SEAL) (SEAL) (SEAL) THIS Is To CERn on real estate situate' ~jl)Jll., HrunpjooTv.p.. CuIrilerIanCICoonIv ... ~.~~,?.,rur.k~F.xpi~Nov.3(l,1~ and secured by Mortgage of even date herewith secured County, Commonwealth of Pennsylvania. WAD)) II } I' /11(1 ,1 JI! /1( I ,? t1 ' -....- -~~- ~~~.~ -'. (ij \tIITIQn" RE<:lJURsE PAYTO THE 0fIDER cJt: MARGARETTE & COMPANY, INC. !TEDOFTEXAS~. ~ DY' ./:. .. &~~ ASST. VICE PR SIDENT ilAR8AAA ROBERTS ~ _o~c 07 I9Il2 f[) lr1'1'I!ot1T llECOURSE PAl" IiI' lHE iliffiM' 07, . PAYW!THOUT RECOLlRSE TO~l: OROER~; / ' , .' --' ------;;" ! I "."'" ~1'\0-lA.-kt J/~_.!::) 1CC--'1-_.., ~ ANK OF AMERICA. FS __t4' , 'l/' ."" "',<:~ ' ~',-"" --",", i ~-~-ri<,; -j Exhibit "e" ~,J.J~ - ,^^ "" ',.!~k,,;:;i' ""~, ;~" ,~,,;, ,0. : ,;,;~,~'U, "':"':;';;';:""--\;;\r<:,,, ," "",-".1 " " ...........'~- " --,."-- ,';'! ALL THAT CEa~ tract of land situate in the Township of Monroe, County of Cumberland and'State of Pennsylvania, being more particularly ,bounded and described as follows, to' wit: BEG"INNING at a, steel pin set on the westernmost',dedicated right-of~way_.1ine/, of the Stumpstown Road (T-570), said pin marking the common point o~.adjoiner ~f Lots Nos. ~6'and 17 on the hereinatter mentioned Plan of Subdivision; - thence departing from the Stumpstown Road right-of-way' and extending along Lot No. 11, South 61 degrees 18'minutes 28 seconds West; for a distance of 280.00 feet to a steel pin; thence extending along Lots Nos. 17, 18 and 19, South 21 degrees 36 minutes 51 seconds East for a distance of 320.00 feet to a steel pin at a fence line at lands nOW or formerly of Magaro; thence extending along lands now or formerly of 'Magara, South 67 degrees 18 m1nute~ 28 seconds West, for.a distance of 20S.00 feet to a steel pin at Lot No... 15 on the hereinafter mentioned Plan of Subdivision; thence exeending along Lot No. 15 the following three courses and distances~ North 04 degrees 29 minutes 33 seconds West, for a distance of 420.00 feet to a steel pin; thence- continuing ,North 45 d~grees 27 minutes 41'seconds East, for. a distance of 110.00 feet.to a steel pin; thence continuing North 67 degrees 18 minutes 28 seconds East, for a distance of 260.00 feet 'to a steel pin -set on the westernmost dedicated right-of-way-1ine of the Stumpstown Road; thence extending in and 810D8 the westernmost dedicated right-of-way line ~f the Stumpstown Road, South 21 degrees 36 min~tes 51 seconds ,East for a distance of 120.00 feet to a steel pin on said dedicated .right-of-way line at Lot No. 17 on the herein~fter mentioned Plan of Subdivision. said pin marking the place of BEGINNING. CORtAIHING 2.111 acres, and being designated a~ Lot No. 16 on a Final Plan of Subdivision of Monroe Meadows, prepared for Kimba, Inc., by Statler and Lahr,.Registered Engineers, dated November'24, 1986, and recorded in the Office of the Recorder' of Deeds in and for Cumberland County, Penns:(lvania, in Plan Boo~ 53, at Page 34. BEING THE SAME PREMISES which Kimba, Inc., a Corporation by Deed dated November 7, 1987 and recorded in CUmberland County Deed Book B, Volume 33, Page 175, granted and conveyed unto Joseph E. Martin and Patricia A. Martin, his wife. , ---...-,--,--,-----.- ~ - ;j. ,~J; '" "-'" "y,., .'0' ^"''' " .. ,,' , '; c:i!~ll\!~'! t~-:""\'t.J;;\> :'" ' ~;~~~;:~ ~'~,~~,-', ~,:..,::,:.;~,',~, ~ ~ ;,-".~,,\~',~ ,: ~l!.'1>'.~iv~t......-.?.'...,'~:,,~ ,,'~ '.. '..g.jj~ 'i~?it~i~~f;-~;~:,:, ,": --'.' ~.~~ ." ,,'t. P1:'innsy\YBnia } 55 ::' .'-'. ,'"y (ll cumQer'a~d .' d' 01 peeds _'., ,; ;,~l in the office for the recor !nO ~ ',.; ;.":"d {or Cumberl8nd coun~ . . ~,' L ~[MI.I~ Vol, ---= roge . ""~\ ~f~ ~'ill d " ;,.. ..'\1 my h~!\d ~,~ fI!{!' o! "01 f::1lrjI. . 1"\'" ,.,..kl<l,f....dLd Y ., I,':f.:-',<"" ,'::"'7.'-(; / Recorder bOOK U05 r,m ,WJ . ~'"'''"'' 'ilW.i!:&>1I.wi;pi,': ',,"- '-,,"~- .",- Exhibit "D" "'.~--'"""~."'.~-t;-;-~,: ",..-:,'.1, "~.'''" '.C\', ,. ::c;:~ -'0,;".;.:; ;,:; '""" ",';"i;j;;':;f;-:::,":';'-:~ ";;'t "'''",~ ""1 ~, ~~ ~ ~ 0: .~ (; =- sl:= 5] ~ :3 0: .... a~.5- ~ c ~ i~.s a;:.. ~ ~...~ ....- .. 6o's ~ .,- ., a ~~ . - - ~~,~ = = ,: 1:1 - ~ ~:S ! -: ~ ;: O;l ,~-;,.E ~ -= = -; 0: 5: a ~- .E ~-;; = ~~ ~< .: ... =:Jl ~ ::.:: <= =~ ;., . - . t: = 0 . . ., ::.=: .s ~';' .s ~ E .5u.s 8t~ ... e = ~ ~ ti . . " z 0 ~ '" u 0 ~:5~ o o N oi - . 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",'" ",i'i "'z b~ r'" ::11:: 1-<>- "'" ~z gJo <I=: ou 1-< .s '"' '"' '" N on '" '" ~ .... . o . "! ." iE . e . :.: :3.5 o . ;>,.>~ ]:;~ ~i-g .~.5 ~ ~c~ <,.. ~ ~ ~ ~ ".~ ~.,:: g ~ ~,2 ~ ~g,: 15".-: ~ ;:.. a g ~ I -P ~ 5 ~~-;-;; ,.J, g. --5 ~ 6.~E ~"g~"g ~ ~$ ~ t:: :u:t; ~8t311 ;j~lE3! "'-= ~Io-<"'O o o~ ~ E-o.:;..<- '-' z ;:: " '" '" '" o z '" '-' < '-' ;<: ~ ..l '" '" z ~ o u t: '" '" u '" '" :;: ~ '" z o u g ] ~ d ~ ~ ~ ~ <II ~~-5 25 "a d -itt... -;)..c 0 . - 0 -~- ~ ~.9 ~;;b. ~Iil ~ d o . .. ~u; ~~8-d S!2"'g~ 'I~ i'~ . ~ . E ~'" :3 = ::I ....." Q '" lU bl) ;...~E~ 1=..9;::, I;;;l.~ ~ !2 Co"S! l:: <.::.a91 ~ ~ [3;: ~ ~ l:!l ~ o.e~= ::E S!l <.l OIl ..ee~ o ~ 5.s z.....EC" o ~~ ~ ~.E ~] ~~~~ ~;;jj,s ~E~'i:i .oIl:.,gg= ".L', " .""'~~ . -,. 'c_~~~-'c' ~ '. Exhibit "E" '~i:-.' I: _:~"~' ,-",_, '1/0. q/. +;-2, ,"<,_:~i::,~~~;; ;''-';' ," _, .; 0;'" Tlfj~ "" ,- ",,- ,1- ,',;" ":, ';,,-;; ,";,'~'<I.,'",--, '~_~'h....c,L' ""'"",-:" ^ -' .- ';---"::h\o!;,~,;;V.x.,i'>';:,, "'; '...;:~ ,;",,'.~';tk,:~+: . . NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT. (the Act) 15 U.S.c. SECTION 1601 AS AMENDED I. This law- firm may be deemed a "debt collector" under the Fair Debt Collection Practices Act. Any and all information obtained during the prosecution of this lawsuit may be used for the purpose of collecting the debt. 2. The amount ofthe debt is stated in paragraph 9 of the Complaint. 3. The Plaintiff as named in the Complaint is the creditor to whom the debt is owed, or is servicing agent for the creditor to whom the debt is owed. The undersigned attorney represents the interests ofthe Plaintiff. 4. The debt described in the Complaint, evidenced by the copy ofthe mortgage note attached hereto, will be assumed to be valid by the creditor's law firm unless the debtor, within thirty (30) days after the receipt of this notice, disputes in writing the validity of the debt or some portion thereof. 5. Ifthe debtor notifies the creditor's law firm in writing within thirty (30) days of the receipt of this no*e that the debt or any portion thereof is disputed, the creditor's law firm will obtain a verification of the debt and a copy ofthe verification will be mailed to the debtor by the creditor's law firm. 6. lfthe ereditornamed as Plaintiff in the Complaint is not the original creditor, and if the debtor makes a writtel).request to the creditor's law firm within the thirty (30) days from the receipt ofthis notice, th", name and address of the original creditor will be mailed to the debtor by the creditor's law firm. 7. Written requests should be addressed to Spear & Hoffinan, P.A., 1020 North Kings Highway, Suite 210, Cherry Hill, NJ 08034. .' , . . . .'.1..' " j , .( . ~~~~~.~.~~:-:;"'tiirtjjilii '~~il:;'" liJ~1tfi.l~:~J\~~~~.tM-&~:~"':;""'"' ,",,;,"'~'~ oC;'," ";-'.","","",',' ' ",.'" '" 0 . 'h ~ ,". ,,",,,~ ~""" "+--''' ~, ,,'.' -..',' 'iIliiiiIii" '." " -..m,- . -"\ ~ ~ ~ {q. ~ 0 ("'", () c' lrt , -, ,-".. ~ ~ ~ & . rl'; --") ........ 0 "r z '" ~ L_ I '1:, C () en -'-: C() ~ ~ I --<:/ c::c '-...J , ,'- -"1'; ..:S ~2 .--"~ :.~~ C) ff r ...~..J ,::-=.510 2" -;; (~) -y 'J =0 -, ..' ~ '-..(- " ~! ." :'. - F.J ~' -fbO ..-l~-!--j:. ...-~'~t!:I: ..... . o :. ~~ -f) -I, ~ .'. >: m..~ ~: O. . z " . . . >! ~ .,.. ...L.. ...".._.. ~_" ~ '_~,r._._"j"'.r,. -,,-"'.""" -~,'"~,,"~',~,,", 0 ,P"~_,,>,_., ',. ~ ~o --~~ ~._~_~~O SHERIFF'S RETURN - OUT OF COUNTY CASE NO: 2001-06380 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND BANK OF AMERICA NA VS MARTIN JOSEPH EDWARD ET AL R. Thomas Kline ......~~.-" ~ . :..;,~ < """--~-~'1: , Sheriff or Deputy Sheriff who being duly sworn acco~ding to law, says, that he made a diligent search and and inquiry for the within named DEFENDANT MARTIN PATRICIA ANN but was unable to locate Her deputized the sheriff of DAUPHIN , to wit: in his bailiwick. He therefore County, Pennsylvania, to serve the within COMPLAINT - MORT FORE On January 3rd , 2002 , this office was in receipt of the attached return from DAUPHIN Sheriff's Costs: Docketing Out of County Surcharge Dep Dauphin Co 18.00 9.00 10.00 30.50 .00 67.50 01/03/2002 SPEAR & HOFFMAN Sworn and subsc~ibed to before me day of9'''-~/ :207; L A.D. l'Fr' 0 )?".#I,.~, ~. Prothonotary this I:<- '1- S.~~/> "/ ~. R. homas Kline Sheriff of Cumberland County - "~-'t H~ " .. ~ " , iIiIiIIiIII; - j- ~' ~ ~~ J ~ ...."b._." . ,j 'WiI.:.-~t'i_.llLv,j!,;' @ffitt of tfr~ ~4~riff William T. Tully Solicitor J. Daniel Basile Chief Deputy Mary Jane Snyder Real Estate Deputy Michael W. Rinehart Assistant Chief Deputy Dauphin County Harrisburg, Pennsylvania 17101 ph: (717) 255-2660 fax: (717) 255-2889 Jack Lotwick Sheriff Commonwealth of Pennsylvania BANK OF AMERICA County of Dauphin vs MARTIN PATRICIA ANN Sheriff's Return No. 3558-T - -2001 OTHER COUNTY NO. 01-6380 CIVIL I, Jack Lotwick, Sheriff of the County of Dauphin, State of Pennsylvania, do hereby certify and return, that I made diligent search and inquiry for MARTIN PATRICIA ANN the DEFENDANT named in the within REINSTATED MORTGAGE FORECLOSURE and that I am unable to find him/her in the County of Dauphin, and therefore return same NOT FOUND, December 27, 2001 DEFENDANT DOES NOT LIVE AT 4000 LEXINGTON ST., HBG. MARTIN VARGO LIVES AT 4000 LEXINGTON ST. HE BELIEVES DEFENDANT LIVES EITHER ON 2ND ST., STEELTON DAUPHIN COUNTY OR IN MANHEIM TWP., CUMBERLAND COUNTY. Sworn and subscribed to So Ans;er~ ~ "''' "'" ,., 0' "O~'<R, '00' JR~ ~. r:;J~:l Sh,c'" 0' ".uph'" OOUll'" P.. efore PROTHONOTARY By Deputy Sheriff Sheriff's Costs: $30.50 PD 12/18/2001 RCPT NO 157856 ~v ~"~._ ~v" ~ .. ."" ." .o"""l....-b.. "',,-, '~-"liU In The Court of Common Pleas of Cumberland County, Pennsylvan:ia Bank of America VS. . Joseph Edward Martin et a1 Patricia Ann Martin SERVE: No. 01 6380 civil Now, December 17, 2001 , I, SHERlFF OF CUMBERLAND COUNTY, P A, do hereby deputize the Sheriff of Dauphin County to execute this Writ, this deputation being made at the request and risk of the Plaintiff. r ~~. ~d'o!1'aA" Sheriff of Curnberland County, PA Affidavit of Service Now, ,20_, at o'clock M. served the within upon at .. by handing to a copy of the original and made known to the contents thereof. So answers, Sheriff of County, PA Sworn and subscribed before me this day of , 20_ COSTS SERV1CE MILEAGE AFFIDA VIT $ $ .. "" iiIiWIlrli:o~"'"-" II -~l1i~"^-"'--'-; -. __'~E '~" < -" ,-.- "j:~< , l ,. o o copy Spear & Hoffman, P..A. . BY: BONNIE DAHL, ESQUIRE Attorney LD. No. 79294 1020 North Kings Highway, Suite 210 Cherry Hill, New Jersey 08034 (856) 755-1560, Attorney for Plaintiff, Loan No. : 0001106087 BANK OF AMERICA, NA 475 CROSSPOINT PARKWAY P.O. BOX 9000 GETZVILLE, NY 14068-9000 PLAINTlFF, vs. COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. 01 -1,.3ro G()~L/~ JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN 318 STUMPS TOWN ROAD MECHANICSBuR(:;,PA 17055 DEFENDANTS COMPLAINT - CIVIL ACTION COMPLAINT IN MORTGAGE FORECLOSURE .... NOTICE You have been sued:in court: If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in Writing with the court your defenses or objections to the claims s~t forth ag~inst Jtiu. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered agflinst you by the court without further notice for any money claimed in the complaint or for any other cl~irn or relief requested by the Plaintiff. You may lose money or property or other rights important to Y01.l. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTHBELOW TO FIND OUT WHERE YOU'CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE,PA 17103 (717) 249-3166 o ~;: < c:) .,..,. :-~~ TRUE COPVFROM RECORD In T est\mOI1Y whereof. I here unto set my hand and .~. ~ "" ~ at """",, Po. . ~.~~~~~~ ""DC nIl'''' ~~>. ~! ~ '- . ~~-=:~ >c-:, /~ =~ I co - -; ~.:; . :-::~ ~ ':.~) . . ...... , ~ ,,"l ,::> i ,- ':-::-1 ~~ .. - , ,--. -., ~ "< ""':J';", , , e o AVISO ". Le han demandado a ustederi: la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene ,veinte (20) dias de plazo a partir de la fecha de la demanda y la notificacion. Race falta asentar una cO.!1)Qi!fimcia escrita 0 en persona 0 con un abogado y entregar a la corte en forma escrita sus defensas 0 sus objeGiones alas demandadas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso 0 notificacion. Ademas, 1a c;:>rte puede decidir a favor del demandato y requiere que usted cumpla con todas las provisiones de esta demanda. U sted puede perder dinero 0 sus propiedades 0 otros dereches importantes para usted. LLEVEESTA DEMANDAA UN ABOGADO INMEDIATAMENTE, SINO TIENE ABOGADO 0 SINO TIENE EL DINERO SUFICIENTE DE P AGAR TAL SERVICIO, VA Y A EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIAL LEGAL. . CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17103 (717) 249-3166 ., j: . I ~ - ~, "",,\1 ...." ._.1.., ;" , '..~'. v ;"<>.'," i~j-t , c:> o Spear & Hoffman, PA BY: BONNIE DAHL, ESQUIRE Attorney LD. No. 79294 1020 North Kings Highway, Suite 210 Cherry Hill, New Jersey Q8034 (856) 755-1560, Attorney for Plaintiff, Loan No. :0001106087 BANK OF AMERICA,NA 475 CROSSPOINT PARKWAY P.O. BOX 9000 GETZVILLE, NY 14Q68-9009 PLAIN:rlFF, . COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. vs. JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN .. . . 318 STUMPSTOWNROAD: MECHANICSBURG, I'^ 17055 DEFENDANTS .; COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is BANK OF AMERICA, NA, with its principal place of business located at 475 CROSSPOINT PARKWAY, P.O. BOX 9000, GETZVILLE, NY 14068-9000. 2. The names and last known addresses of the Defendants are: JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN, 318 STUMPSTOWN ROAD, MECHANICSBURG, PA 17055. 3. The interest of each individual Defendant is as mortgagor, real owner of the real property subject to the mortgage described below, or both. 4. On or about NOVEMBER 23, 1992, Mortgagors made, executed and delivered a Mortgage upon the premises hereinafter described to BANK UNITED OF TEXAS FSB, which Mortgage is recorded as follows: Office of the Recorder of Deeds in and for CUMBERLAND COUNTY DATE OF MORTGAGE: NOVEMBER 23, 1992 DATE RECORDED: DECEMBER 2, 1992 BOOK: 1l05PAGE: 415 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C-P. 1019(g). A true and correct copy.of said Mortgage is attached hereto as Exhibit "A" and incorporated herein by reference. 1 ~, " "- ~ ~ ......... - ~lUli~"-O~ ,;" ~'", ,,'.~' ;'ltLi.fz,{.- , ,0...- '-'-' o 5. On or about NOVEMBER 23, 1992, in consideration of their indebtedness to BANK UNITED OF TEXAS FSB, JOSEPH EDWARD MARTIN AND P ATRICIA ANN MARTIN made, executed and delivered to BANK UNITED OF TEXAS FSB their promissory Note in the original principal amount of$112,500.00. A copy of said Note is attached hereto as Exhibit "B" and incorporated herein by reference. The Note is referenced herein only insofar as the terms ofthe Note are incorporated into the Mortgage. 6. Plaintiff is the legal holder of the Mortgage by virtue of being either the original Mortgagee, the legal successor in interest to the original Mortgagee, or the present holder of the Mortgage by virtue of the following assignments: ASSIGNOR:' BANK UNITED OF TEXAS FSB ASSIGNEE: CHEl\1lCAL RESIDENTIAL MORTGAGE CORPORATION, A NEW JERSEY CORPORATION, FORMERLY KNOWN AS MARGARETTEN & COMPANY INC. . DATE OF ASSIGNMENT: RECORDING DATE: BOOK: 2547:. mLY21,1993 mL Y 21, 1993 PAGE: 903 ASSIGNOR: CHEMICAL RESIDENTIAL MORTGAGE CORPORATION, A NEW JERSEY CORPORATION, FORMERLY KNOWN AS MARGARETTEN & COMPANY INC. .;, ASSIGNEE: '.BANK OF AMERICA DATE OF ASSIGNMENT: SEPTEMBER 1,1994 RECORDING DATE: FEBRUARY 12, 1996 BOOK: 513 PAGE: 660 7. The Mortgage is secured by property located at 318 STUMPSTOWN ROAD, MECHANICSBURG, PA 17055, which is more particularly described in the legal description attached hereto as Exhibit "C" and incorporated herein by reference. 8. The Mortgage is in default because the monthly installments of principal and interest and other charges stated be~ow, all a:s authorized by the Mortgage, due 09101100 and monthly thereafter are due and have not been paicJ;.whereby the whole balance of principal and all interest due thereon have become immediately due and payable forthwith together with late charges, escrow deficit (if any), and costs of collection including title search fees and reasonable attorney's fees. 2 --.......-,,,- " _=-l " ~, ~,,",,- ~- !,<," '.J,'''" "'-.-",;""k, ~ -~ ~i'i'''''';;-':'', , I'A.., W o 9. The following amounts are due on the Mortgage: Principal Bal:mce $102,956.31 8.00% interest from 08/01100 to OCTOBER 9, 2001 at $22.88 per day $9,815.23 Accrued Late Charges $492.76 Escrow Advances made by Plaintiff $2,224.79 Corporate Advance Balance $75.00 Attorney's Fees $2.828.50 TOTAL AMOUNT DUE $118.392.59 Interest continues t~ accrue at the per diem rate of $22.88 for every day after OCTOBER 9,2001 that the debt remains. unpaid.' 10. Dilling the course ofthis litigation costs may continue to accrue, including but not limited to escrow advances, late charges, attorney's fees, etc. II. The original principal balance of t)le Mortgage is in excess of $50,000.00 and therefore, "\ " Notice ofIntention to Eoreclose Mortgage, pursuant to Act 6, 41 P.S. !l403 is not applicable. 12. Pursuant to the notice provisions of Act 91, 35 P.S. !l1680.403(c), notice was sent to Defendants, dated AUGUST 2, 2001. Copies of the notices to the defendants are attached as Exhibit "D". Defendants have failed to meet with the plaintiff or any of the consumer credit counseling agencies listed in the notice and/or h~ve. furth~r failed to meet the time limitations specified in the notice and/or have been denied assistance from the Pennsylvania Housing Finance Agency. 13. Notice .PUrsuant to the Fair Debt Collection Practices Act is attached as Exhibit "E". WHEREFORE, Plaintiffrespectfully requests this Court to enter judgment IN REM in favor of Plaintiff and against the within named property of the Defendants in the amount set forth in paragraph 9, together with interest ~ccruing after OCTOBER 9, 2001 to the date of Judgment, plus 6% legal rate of interest from date of Judgment to Final Sale, and Sheriff Sale costs, together with all costs of suit and any money hereafter expenqed by'the Plaintiff in payment of taxes, sewer and water rents, claims or charges for 3 " j'~ "'- ~l,~, i ~'. ~:.'" "'01 --""""'- '" ""'h'~'. :" ,.;,.. ;~; '^~. . e o insurance orrepairs and any and all other advances hereafter made by the Plaintiff as stated in paragraph 10, pursuantto the rights and privileges granted under the terms of the subject mortgage, and for foreclosure and sale of the Mortgaged property. DATE: SPEAR & HOFFMAN, P.A. , A t;J~ . BONNIE DAHL, ESQUIRE 4 j J A.", W o , . Exhibit "A" L._ ,.--;,~,,':'~-'.:-. " ,c;' ., 'Y'[!:~':; .. . -~~~_." ^ , -.........J c ~. '~.FREPAREO BY' TINA FOULDS c L1(tIO 3. '-P PENNSYLVANtA , ~ : . - .., RETURN TO BANK UNITED OF TEXAS FSB DBA COMMONWEALTH UNITED MTG 3461 MkRKET STREET CAMP HtLL. Nfr1ttTG~CE ~* I ~blcLl61 . . VAJbrn:,~a.......Lou) RMs.dJu...1'1a u..ap. tionol.~.i",,18KlTitI.J8 U.SC. kcc"",1JlclnFcdc..& NIlIonalMnr1V8"Auoclallon .> .. , ' , THIS INDENTURE, made the 23 RD nine hundred and NINETY TWO A. ~RTIN , MARRIED &1,~L,..t,-.. ~.".. day of NOVEMBER in the year of our Lord one thousand , BETWEEN JOSEPH E. MARTIN AND PATRICIA (hereinafter called Mortgagor) and NITED OF TEXAS FSB organized and existing under the laws of UN 1 TED S TAT E S al office and post'office address in 3200 SOUTHWEST FREEWAY. #2000 r called Mortgagee): TEXAS 77D27 . and having HOUSTON WtTNESSETH: That the Mortgagor 10 secure the payment of FIVE HUNDRED AND 00 100 .. ONE HUNORED TWELVE THOUSAND Dollars($ ""112.500.00 ),withinterestfromdate.attherateof EIGHT AND 00000 100000 per centum ( 8 . 000 %) per annum on the unpaid halance until paid, as provided in a Note of even date herewith, from the Mortgagor to the Mortgagee. in monthly installments of EIGHT HUNDRED TWENTY FIVE AND 49 100 Dollars ($ *".""**825.49 ), commencing on the ftrst day of JANUARY , 19 93 , and oontinu;,ng thereafter on the first day of each month unlU such debt is fully paid, except that. if not sooner paid, , .. the ftnal payment thereof shall he due and payahleor theftrstday of DECEMBER ,2022 ,and .!!,-"ta1l.QJ.{ af~secure the performance of aU covenants, ~greements and conditions herein contained, does by these eots grant, bargain, sell, assign, release. convey and confinn to the Mortgagee. ALL the following described real /i;.~ pro rty situated in \he TOWNSHiP,-k.:, of MONROE , 'f Coti yof IrJHf/W I CU~ERLAND V iand:Commonwealth of Pennsylvania, to wit: -.J- ,~ \ \ '0 : THIS WAN IS NOT ASSIIfV/4 -< J ('f\ 6 APPROVAL Of TH IrP:\~ ,limE WITHOUT P'" p::g !,,!~ ~ \J_ : E LillliNS AaMiNJ~IRll; ~ ~ ~~. s ;s SEE ATTACHED LEGALDES~moAUfHORiZm AG~F~-~:;;~~ t~i~~~ ~ .'. ~) ,:18llJLJ..J P ~ ~w::=! D ~a::; N C:, en THE WITHiN MORTGAGE IS A FiRST PURCHASE MONEY MORTGAGE. THE CONSIDERATION FOR WHICH CONSTITUTES A PART OF THE PURCHASE PRICE OF THE ABOVE DESCRIBED PROPERTY. tEiNG THE. SAME PREMiSES CONVEYED TO THE MORTGAGORS BY DEED FROM OF EVEN DATE. TO BE RECDRDED SIMULTANEOUSLY HEREWITH. TOGETHER with all and singular the buildings, improvements,; and fixtures on said premises" as well as all additions or improvements n'ow or hereafter made to said premises'; streets, alleys. passages. ways, waters, water courses, rights; liberties, privileges, hereditaments, and appurtenances whatsoever thereunto belonging, or in any wise appertaining, and the reversions and remainders, rents, issues.: and profits threof. and in addition thereto the following described household appliances, which are, and shall be deemed to be. fixtures and a part. of the realty, and are a ponioD of the security for the indebtedness herein mentioned, namely, .-.". provided, however, that the Mongagor shall be entitled to collect and retain the said rents. issues, and profits until default hereunder: To HAVE AND TO HOLD said property, hereby granted, with the appurtenances, unto said Mortgagee to its own use forever: V M P A boQi1105 PAC[ ~lS 00923103 ",,", ~='i. ,; _0",".1 "" ^"""~'.,"" 'r<;;''..-:i,~,\ , - - ~ .'~."-IiO~ o VMP2 00'003 . - - , . This Indenture is made, however, subject to the following covenants, conditions. agreements and stipulations and the Mortgagor covenants and agrees: . . .1. That the Mortgagor will promptly pay the princip'al of and interest on tbe indebtednes~ evidenced ~ the saId ~Ole, at the times a~d ~n the manner therein provideD. with privilege reserved to prepay at any time, without premIUm or fee, the enure mdebtedness or any, part thereof not less than the amount of one tnstaUment or one hundred dolla" ($100.00), whichever is less. Prepayment in full shall be crediled on the dale received. Partiai prepay- ment: other than on an Installment due dale, need not be c.redited until the next following installment due date or ~Irty days after suell prepayment, whichever is earlier. , 2. To more fully protect the security of this Mortgage, the Mortgagor shall pay to the Mortgagee as trustee (und~r t~e terms ?fthis trust. as h,ereinaftt;r stated) if! addition 10 <l!'d concurrently with, each monthly installment of prmclpal and Interest unlll said Note IS fully paid, the followmg sums: (a) A su~.~ual to lIle ground rents, If ~ny, next due, plus the premiums that will next become due and payable on poliCIes of fire and other hazard msurance, plus taxes, assessments and sewer and water rents next due on the prenlises covered by this Mongage (all as estimated by the MongageO and of which the Mortgago; is .notified) less aJl sums alreadYlaid therefof divided by the number of months 'to eJapse before one month prior to the date when such groun rents, preOlJums, taXes, assessments, and sewer and water rents will become due, such sums to be held Dy Mortgagee in trust to pay said ground rents, premiums, taxes. ass~ssments. and sewer and water rents. i , (b) The aggrega. te of the amounts payable. ~ pursuant to subparagraph (a) and those payable on this debt shall be paid in a SlOgle payment each month. to be applied to the foHowing items in the order stated: (1) ground rents, taxes, assessments. seWer and water rents. fire and olher hazard insurance premiums: (II) mterest on this debt; and I' flU) amortization of the principal of thi~ debt Any deficiency in the llmount of any such aggregate: monthly p~ment shall constitute an event of default hereunder and. under said Note. unless ma?,e good by ~.oJtgag~r pri,?r [0 the due date of the next such payment. At Mortgagee.s opuon, Mortgagor wJ]1 pay a late charge not exceeding four per cenlum (4 %) of any Installment when paid more than fifteen (15) da):'s after the due date thereof to cover the extra expense involved in handling delinquent payments, but such "late charge'. shall not be payable out of the proceeds of any sale made to satisfy the mdebtedness secured hereby, unless such proceeds of any sale made to satisfy the indebtedness secured hereby, unless such proceeds are sufficieJlt to discharge the enUre ind~btedness and all proper costs and expenses secured thereby. 3. If the total of the paymenls made by Mortgagor, un'der (a) of paragraph 2 preceding, shaH exceed the amount of payments actually made by Mortgagee as trustee for ground rents, taxes, assessments, sewer or water rents, or insurance premiums, as the case may be such excess shall be credited on subsequentt.ayments lO be made by Mortgagor for such items or, Mortgagee's option, as trusteE:, shaU be refunded to Mortgagor. I , however, such monthly payments shall not be sufficient to pay such items when the same shall become due and payable, then Mortgagor shall pay to Mortgagee as trustee ,m)' amount necessary to make up the deficiency within thirty (30) days after written notice from Mortgagee stating the amount of the deficiency,!which notice may be given by mail. If at any time Mortgagor shall tender to Mortgagee, in accordance with the provisions hereof, the full payment of the entire indebtedness represented hereby, Mortgagee, as trustee, shall in computing- the amount of sudl indebtedness. credit to the account of Mortgagor any credit balance remaining under the provisions of (a) of paragraph 2. If there shall be a default under any of the provisions of the Note and this Mortgage securing the same, wbich results in a public sale of the premIses covere. d thereby, or if titl.e to the l'roperty is ot~erwise acquired by the Mortgagee after the default, the Mortgagee, as trustee, srl3l1 apply. at the time of the commencement of such proceedings or at the time the property IS otherwise acquired bY the Mortgagee, the balance then remaining to the credit of Mortgagor under (a) of paragraph 2, as a ~redit on the interest accrued and unpaid. and the balance on the principallhen remaining unpaid on the Note, 4. Mortgagor shall pay to Mortgagee all ground rents, taxes, assessments, sewer and water rents. and all other charges and claims assessed or levied at any time by any lawful authority upon the premises covered by this Mortgage whicl1. by any present or future law or laws. shall have priority in lien or payment to the debt r.epresenled by said Note and secured by this Mortgage, and provision for tbe payment of which is not otherwise made herein, such payment to. be made by Mortgagor within thirty (30) days after demand by Mortgagee, stating the amount. 5, The principal indebtedness hereby evidenced and secured represents money actually used for the acquisi- tion of or for improvements to the premises secured by said Mortgage. 6. Mortgagor will continually maintain hazard insurance, of such type or types and amounts as the Mortgagee may from time to time require, on the improvements now or hereafter on said premises, and e~cept when payment for all such premiums has theretofore been made under (a) of paragraph 2 hereof, will pay promptly when due . any premiums therefor. All insurance shall be carried in companies approved by Mortgagee and the policies and renewals thereof shall be held by Mortgagee and have attached thereto loss payable clauses in favor of and in form a~eplable to Mortgagee. "in event of loss, Mortgagor will give iInlI!ediate notice by mail to Mortg~, and Mo~ may make proof of loss if not made promptly ~ Mortgagor. Each Insurance com~y concerned IS hereby aUlhonzed and directed to make payment for such loss directly to Mortga@ee instead of to Mortgagor and Mortgagee jointly. The insurance proceeds, or any part thereof, may be applied by Mortgagee at its option either to the reduction of the indebtedness or to the restoration or repair of the proJ>C:rty damaged. In the sole and absolute discretion of Mortgagee, in event of foreclosure of the Mortgage or transfer of title to the mortgaged property in partial or total extmguishment of the Note hereby secured, all right, tille, and interest of Mortgagor in ana to any IDsurance p'?Jicies then in force shaH pass to the purchaser or ,~rantee or shall be canceled and the caneenation proceeds, If any, retained by Mortgagee. Full power is hereby glVen to Mortgagee to settle or compromise aU claims under such policies and to demand, receive and receipt for all moneys becoming payable thereunder. 7. Mortgagor shall not e~ecute or file of record any instrument which imposes a restriction upon the sale or occupancy of the property herein described on the basis of race, color or creed, 8. Mortgagor will not suffer any H~n..su.perior to the lien created by this ~ortgage ~o attach to or to be ~n- forced against the premises covered by thiS Mortgage. Mortgagor shall not commit or permn waste: and shall malO- tain the property. In as good condition as at present, reasonable wear and tear excepted. Upon any failure so to maintain, Mortgagee, at Its option, may cause reasonable maiptenanc~ work to be performed al the cost of Mortgagor. , ~ . THE MORTGI\GOR COV ENANTS I\NO AGREES THAT SO LONG AS THIS MORTGI\GE I\NO THE, , SI\IO NOTE SECURED HEREBY I\RE GUI\RI\NTEED UNDER THE PROVISIONS OF THE .... .'~.'~'_ ;,;'gi SERVICEMEN S REI\DJU8TMENT ACT OF 1944 HE WILL NOr. EXECUTE OR FILE FOR ,/ -.'" RECORD ANY INSTRUMENT WHICH IMPOSES 1\ RESTRICTION UPON THE SALE OR / ~'7" OCG~PI\NCY. OF THE MORTGAGED PROPERTY ON THE Bl\SIS OF RACE COLOR OR CR~~ ,i UPON I\NY VIOLI\TION OF THIS UNOERTI\KING THE MORTGI\GEE MY AT ITS OP.l N. j riE.,LAR~. TilE UN.PAIDBALANCE OF TP' lEBT SECURED HEREBY IMMEOIATBLY cA. .,/ "'k' , , ~ d.,-.j", ,",f i~';1:.~k'; ~ ., "-~ -. "-~.._~ ~._ ,~L ..._ ~.~_~il.l!L "~- .. ti.'.;c'; -'illif;"':'j-~(; " "TiIE.TIILE SECRETARY OF VET"Q AFFAIRS SHALL BE SUBSTITUTE" O~>>m:Qa> IADMINISTRATOR OF VETERANS AFFAIRS -EACH TIME THAT IT APPEARS INrTH~I DOCUMENT PURSUANT TO THE PROV1SLONS OF SECTION 2 PUB. L. NU. t~o 5Z7 HE DEPARTMENT OF "VET.ERANS AFFAIRS ACT. , ' ~' If//[,.,-- 9. Mortgagee shall have the rig~t to pay any grounct rents, ,taxes, assessments sewer and wa r rer;;: amL all other charges and. c1~i~s which Mortgagor has a~~ under the terms here.of, to advance pay sums of money that IR Its Judgment may be necessary to or preserve the title of the premises bY this Mortgage, of for insurance premiums or for any au orized mamtenance work. Anr amount or amounts so paid or advanced shall he added to the principal debt, shall bear interest at the rate provided for in the principal mdebtedness from the date of paJlmeDt or advance, and shall he secured by this Mortgage ratably with said pnn- cipal debt and interest thereon. Mortgagee, at its option, also shall he entitled to he subrogaled to any lien claim or demand paid by it, or discharged with money advanced by it and secured by this Mortgage. The payments and advances so made shall be payable in approximately equal monthly. payments extend~g over such penods as may he agreed upon by the Mortgagor and Mortgagee, but not beyond the due date of the final instaI1mi:nt of the prin- cipal debt. In event of failure to agree an aate of maturity. the whole of the sum ar sums sa paid or advanced '.. shall he due and payable thirty (30) days after demand by Mortgagee. . 10. The lien of this Mortgagee shall remain in full force and effect during postponement or cx.lension of the time of payment of the indebiednesst or any pan thereof, which it secures. ll. Upon the request of Mortgagee, Mortg~o; shah execute and deliver a supplemental :Note or Notes for the sum or sums advanced or paid bY Mortgagee for the alteration, modernization or i~rovement of the mort- gaged property made at Mortgagor's request; aDo for niaintenance of said property; or ground rents taxes, assessments, sewer and water rents, and air uiher charges ~ claim. assessed!,r levied against said property by Ony law(ul authority. or for any other purpose elsewhere authonzed hereunde~. S81d Note or Notes shall be secured by thiS Mortgage an a panty with imd as fully as if the amounts sta~ in such Note or Nates were ~ of that stated in the Note berelly .secured. Said supplemental Note ar Notes shall bear interest at the rate provided for in the principal in- debtedness and shall be payable in approximately equal monthly payments for sucb period as may he agreed upon by Mortgagor ~nd MOf1gagee. I~ event of fai.lure t~;agree an date of maturi~, the whole of the sum or sums so advanced or paid shall be due and payable thirty (30) days after demand by Mortgagee; but in no event shall any such maturity or due date extend beyond the due date of the final installinent af the principal debt. 12. If the indebtedness secured hereby be guaranleed or insured under Title 38, United States Code, such Title and Regulations issued thereunder and in effect on the date hereof shalJ govern the rights, duties and liabilities af the panies hereto., and any provisions of this ar other instruments executed in connection with said indebtedness which are inconsistent with said TItle or Regulations are hereby amended to conform thereto. 13. If, at any time, a Writ of Executian (Money Judgment) or other execution is properly issued upon a judg- ment obtained upon said Note, or if an Action of Mortgage Foreclosure ar any other appropriate action ar pro- ceedin~ to. foreclose a martgage is instituted upan or under this Mortgage, an attorney's. cammission of F rv E per centum ( 5.00 %) of.said principal debt shall be payable, and recovered in addition to an principal and interest and aU other recoverable sums then due, together with costs of suit. . J4.)f any deficiency in the amount of any aggregate monthly payment mentioned in (b) of paragraph 2 shall not be made good by Mortgagor prior to the due -date of the next such. payment, or if default be inade at any time in any af the covenants -anil agreements herein, or in the Nate secured, then and in every such case, the whole princIpal debt shall, at the option of Mortgagee, become due and payable immediately. Payment thereof and all mterest accrued thereon, wiili an attarney's commissian as hereinbefore mentioned, may be enforced and recovered at once, anything herein contained to the contrary natwithstandj,ng. In'the event of any breach of any covenant, candition, or agreement of said Nate, orafthis Mortgage, it shall be lawful for Mortgagee to enter upon all and singular the land, buildings, and other rights, carporeal and incar-. poreal, granted by thiS Mortgage, and to take possessian of the same, and of the fixtures and equipment therein, and ro have, hold, mana~, lease to any person or persons, use and operate the same in such parcels and on such terms and for such periods of time as Mortgagee may deem proper in its sale discretion, Mortgagor agreeing that he shall and will, whenever ~uested by Mortgagee so to do, assign, transfer, and deliver unto Martgagee any lease or sublease; and to collect and receive all rents, issues, and profits of said mortgaged premises ana every part thereof; for all of whtch said Note s.hall be a suffictent wammt whether or not such lease or sublease has been assigned; and to make from time to time all reasanable alterations, renovatians, repairs, and replacements thereto. After deducting the cast of such alterations, renovatians, repairs, replacements, and the ex~nses incident to taking and retaining possession of tbe mo~aged 2ropt:;rty, the management and a~ralion thereof. and to. keeP':' ing the same properly insured, to apply any resJdue of such rents, issues, and profits to the payment of (a) all ~round rents, taxes, charges, claims, assessments, sewer and water rents, and any other liens that may be prior 10 lien ar payment to the aebt secured by this Martgage, with interest thereon, (b) premiums for said insurance, with interest thereon, (c) the interest and principal due and secured by this Mortgage with all casts and attorney's fees; in such order or priority as Mortgagee may determine1 any statute, law, custom, ar use to the contrary notwithstanding. The taking of possession of the mortgaged premises by Mortgagee, as herein provided, shall not relieve any default by Mortgagor, or prevent the enforcement of any of the remedies provided by said Note or this Mortgage. . The remedies provided by said Note and this Mortgage or any other indebtedness therein provided ar secured by this MoftBage, and for lhe performance of the covenants, conditions, and 'agreements of said Note or this Martgage are cumulative and cancurrent, and may be pursued singly, or successively, or together, at the sole discretion of Mortgagee, and may be exercised as often as occasion ilierefar shall occur. PROViDED, that in case default shall be made to the payment of any installment of principal and ~nterest, or any other payment hereinabove or in the conditions of said recited Note provided far, or in the keeping and perfor~ mance by the Mortgagor of any covenant or agreement contained therein or in this Mortgage to be by said Mortgagor kept and performed, In the manner and at the time specified for the performance thereof, such default will entitle Martgagee forthwith to bring and sue out an Action af Mo~e FOreclosure upon this lndenture of Mortgage, or to Institute any other apprapriate action ar proceeding to fureclose a mortga~, and to. proceed thereon to Judg- ment and executIon, for recOvery of said principal debt or sums and all interest thereon and all other sums hereby ~1 .... .... ::l II ? , , --- . . ,!i;.J;':;. ......:! .lls.ra rTIlE MORTGAGOR COVENANTS ANO AGREES THAT SHOULO TillS MORTGAGE OR T~E-"lm~ SECURED HEREBY NOT BE ELIGIBLE FOR GUARANTY OR INSURANCE UNOER THW fh~- SEI\VlCEMEN'S READJUSTMENT ACT WITHIN 90 OAB FROM THE DATE HER&OF~W~ N. STATEMENT OF ANY OFFICER OR AUTHORIZED AGENT OF THE VETERANS ADMINISTRATION OECLINING TO CUARANTEEOR INSURE SAIO NOTE ANO .OR IS ,f' MORTGAGE BEING DEEMED CONCLUSIVE PROOF OF SUCH INELIGIBILITY), THE SS.~T HOLOER OF THE NOTE SECURED HEREBY OR ANY SUBSEQUENT HOLDER THEREOF MAY, Ar ITS OPTION, OECLARE ALL NOTES SECURED HEREBY IMMEDIATELY DUE ANO PAYABLE.- ~ . . ~L '~,...,.~~. >-- . 'lJ' L _._~",.,J ~_.~ . . , c.... ~~:4C3 secured, together with an attorne 's commissi ,':' collection, as aforesaid. and costs and expenses of : ",':f 00- ceedint, and to pursue any and ah other appropn8te or equitable remedies in such cases proviiied witho her star or execution or other process, arty law, usage, or custom to the contrary notwithstandmg. Mortgagor expressly waives and relinquishes all benefit that may accrue t>y virtue of any and every law made or to be made exempting the mortgaged premises or any other premises or I?roperty whatever, real or personal, from attachment, levy, or sale under execution, or any part of the proceeds arIsing from any sale thereof, and aU benefit of any stay of execu. tion, or any part of the proceeds arising from any sale thereof, and all benefit of any stay of execution or other process. Mortgagor hereby waives and relinquishesiunto and in favor of the Mortgagee, aD benefit under all laws now in effect 'Or hereafter passed to relieve the Mortgagor in any manner from the obligations assumed in the Note for, wh~~h" .this, l~~~ture: ,IS se~urity, : ; , BtlT"PROvtDED""ALWAYs, nevertheless, that if:said' Mortgagor shalt pay or cause to be paid unto the said Mortg!lgCC; the aforesaid debt secured by ~is Mortga~, when and in the manner hereinbefore mentioned and 8pp<?inted for: ~ayriIent, of the same, together wIth interest and an other sums hereby secured, then and from thenceforth, thi~ Indenture, and the estate hereby granted, as well as said recited Note, shall cease, determine, and become void, anything hereinbefore or in said Note contai~ to the contrary notwithstanding. " .' I ; If this Mortgage is executed by more than one person as Mortgagor, the liability of each shall be joint and several. . , . The covenants, conditions, and provisions contained in said Note, or in this Mortgage, shall bind, and the benefits and advantages thereof shall mure to, the respective heirs, executors, administrators, successors, vendees, and assigns of the parties hereto or thereto; and when:ever used in said Note or in this Mortgage, the singuJar nUlJ1ber shall include the plural, the plural the singular, the: use of any gender shaH be applicabfe to an genders, and the term "Mortgagee' shall include any payee of the indeptedness rqrresented by said Note, or secured t)y this Mortgage, or any transferee thereof, whether by operation of;law or otherwise. l IN WITNESS WHEREOF, Mortgagor hereunto s~ts his hand and seal. Dated the day and year first hereinabove wntten. SIGNED, SEALED AND DELIVERED r I ~ THE PRESENCE OF: ;/ Y/ r2..J...L.tLV/J..A;[CLW::x..LlL&. UO.;tb l.~ ~r~~.............. JO~PH E, MA~IN ..Mzd,l(..e{.W~........ (SEAL) (SEAL) PATRICIA A. MARTIN ......,.... (SEAL) ..... .... .......... ........... (SEALI CERTIFICATE OF RESIDENCE , do hereby certify that the -3'-1 U I Y77 C1.JL}{u:. )1. / {! amp .j)J..lLpa.; . //761 I, correct add.....1l>f \lieMiUM-fufulled Mortgagee is Witness my hand this (23 v:L. day of , 19 . NOVEM!j.!:R, _ 92.p ^ .~ "j . .., ,I.,lJ.)LLiLJJJ:t... tf.1JJJ.I1J..!.OooDJ',r. ABntlOfMon8DBee COMMONWEALTH OF PENNSYLVANIA COUNTY OF (LunUD..JJjJJd~s N:i..- . On this 093 day of . , A.D., 19 N 0 ~W/h~ above-named 9 2 aIId aMlIWiHlged 1,"",*1lliil!~ndenluTe of Mortgage to be to be recorded as such. WITNESS my ha THEIR an sea, n year af! 'kIerloS_~PubIa ~ct.:'~'E>qj",Nov.~ ,Piiiiiijiiania 01_ esaid; My commiSSIon ~f'Ires '" ~ " '" ~ ~ << " H '" '" " ~ .. '" I> '- '" CO := f,;l;:l '" .. ., ~ ~ c.e .~~ -< ~ ..: ~ ,. ~ .... ~ '" '" Ii ~ 0 - ~ " - -< Z '"' .z" '" "z ~ " 1 ~ ,.. fol siS '"' .<"~.. '" .. z. c;V o.g, ~ e,:, ~ '" .0 .. ...: ~r..'-l '" z<< ~H "" .. .." .,," '" oj 0 '" ~ .~ " ' ZO>- ~ ~" ,,') '" H'" .. Z . " . ~ " 2 o <IJ "' <<'" 0 :>" :r 0' 'co....: .. " CO :;:: z 0 .. '0 << ~<..:T ,~ ,~ "." ~, :;:: ~ '" " " HO <ZO "" E " ..... "" "'''' 0 0 :;; '" ",~..' 6<< ~ ~ " J~ o "" '" .z H "'" U "'~ H "''''" "',-,0 ].g "' H " "'O~ Z><>< ~~ ~~ '" = ~ " "'<< " "'HZ 0"'1;: ~)j ~ """ ,,'" ~"'"" ::;:Z '" "''' '" '" '" :;:Z;:J 8W"E ~ . '" Z "'oo" 'l.l> o...:c ... ~ I> 0 .. "'~'" 0"'0 ~o ~ g \:>, .,'" '" "'"'''' uo..u z""", ~.' ,~ - ~ ,.J,. , <, ~, -, ;.ij~;~ , ~ , . . . 0", , ' o .. " VA I\SSlJMI?TION RIDER THIS LOAN IS NOT ASSUMABLE WITHOUT THE APPROVAL OF THE VETERANS ADMINISTRATION OR ITS AUTHORIZED AGENT. THIS RIDER to the Security Instrunoant is made this Z3RD day of NOVEMBER , 19 92 ,and is incorporated into and shall be deerred to amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security InstrulTent") of the same. date, given by the undersigned. (the "Ec:rrtJ4le'(").to.secure ~rls Note to , BANK UNITED OF TEXAS FSB (the "Lender") of the same date and covering the property described in the Security Instrun'ent to which this Rider is attached. The Security Instrun'ent to which this Rider is attached sball be amended by adding thereto the follCMing described paragraphs, "This loan is imnediately due and payable upon transfer of the property securing such loan to any transferee, unless the acceptability of the, assmption of the loan is established pursuant to section l817A of Chapter 37, Title 38, 'United States Code. A fee equal to one-half of 1 percent of the balance of this loan as of the date of transfer of the property shall be payable at the t:iJre of transfer to the loan holder or its authorized agent, as trustee for the Administrator of Veterans Affairs. If the as""""'r fails to pay this fee . at the time of transfer, the fee sbal1 constitute an additional debt to that already secured by this instI'UIleIlt, shall bear interest at the rate. herein provided, and, at the option' of the payee of the indebtedness hereby secured or any tranfereE. thereof, shall be im:nediate1y due and payable. This fee is autaaatically waived if the assutrer is exanpt under the provisions of 38 U.S.C. 1829 (h). , Upon application for 'approval to allOl< as''Ull1ption of this loan, a processing fee may be. chal:ged by the loon holder or its authorized agent for det<irmining the creditworthiness of the assllll"er and subsequently revising the holder's o;mership records when an approved transfe,; is carpleted. The anount of this charge shall not exceed the milximum established by the Veterans Administration for a loan to 'ilhich section 18l7!>. of Chapter 37, Title 38, United States Code aPPlieS. i i If this' obligation is assumed, then the assumer hereby agrees to assume all of the! obligations of the veteran under the tems ' of the instruIrents creating, and securing the loan, inlcuding the obligation of 1 theO veteran to indemnify the Veterans Mministration to the extent of any c1alln' paywent arising fran the guaranty or insurance 'Ief ithe indebtedness created by this instrument. " I ' ! I BY SIGNING BELCl'I, Borrower! accepts and agrees to the tenns and provisions contained in this Rid~r to the security Instrumant~ I ~. f"fl'/~-' ;'JOSEPHE MARTIN ,JJ/,i;L;,!~:i;. PATRICIA A MARTIN roo;; U OS 'PAti:'I?O VA !\SSUMPI'ION RIDER CMCA, ToP 78305 (3(88) """"'"'"' . , . o ~. I , Exhibit "B" ,"" '';,-It'."_ ."-~---'.><J ""--'''"-~--~i:! o 1 '"~, "'~""'''F"" ~,~~~ c - ~~""~,,.. ~ l~ ( <1. . .. , .'<'. ~923103 THE TITLE'SECRETARY. &,)V^ANS AFFAIRS SHALL BUUBSTITUT ..' R THA;f .<!F ~A.,MINISTRATOR OF VETERANAMFArRS EACH TIME THAT IT APPEARS N hailml [-tete DOCUMENT PURSUANT TO THE. PRonSIONS..,UF SECTION 2, PUB. L. NO. 100.5 liE DEPARTMENT OF VETERANS AFFAIRS ACT. VA Form %6-6JJfiB (HDIllt Lmn) Revised March 1978. Use Op. tional Section ISKI. TitleJS, U.S.C, Acet:pmblelo Pedt:ral Na- lioDal Mongage A!isodatIUll. MORTGAGE NOTE /IO(,U'!;I CAMP HILL , Pennsylvania. $ *****112,500.00 FOR V AWE RECEIVED, the undersigned, c" .MA:RRlED NOVEMBER 23 ,19 92 JOSEPH E. MARTIN AND PATRICIA A. MARTIN , hereinafter called the Maker, promises to pay to ~ANK UNITED OF TEXAS FSB . nm organized and existing under the Jaws of the UN IT E 0 S TAT E S or order hereinafter designated as the Payee, the8rincipal sum of ONE HUNDRED TWELVE '.. THO AND FIVE HUNDRED AND 00>1 0 Dollars ($ ***112,500.00 ) with i.!1ter t from date at the rate of EIGR! AND 0000011I100000 per centum ( * 8 . 000 %) per annum ou the unpaid balance until paid, The said principal' and interest shall be payable allhe office of BANK UNITED OF TEXAS FSB HOUSTON, TEXAS 77027 a 3200 SOUTHWEST FREEWAY, #2000 or such place as the holder may designate in writing in monthly installments of E IGRT HUNDRED TWENTY FIVE AND 49"lOO Dollars ($ **''r****825.49),commencingonthefirstdayof JANUARY ,19 93 ,andonthefirstday of each month thereafter until the principal and interest are fully paid, except that the final payment of the entire indebtedness evidenced hereby, jf not sooner paid, shall be due and payable on the first day of DECEMBER, 2022. Privilege is reserved to prepay at any time, without premium or fee. the entire indebtedness or any part thereof not less than the amount of one installment, or One Hund~ QoUars ($100.00), .whichever is less. Prepayment in full shall be credited on the date received. Partia[ItJ{i!piur-theFii$I1t1ier than 011 an installment due date, need not be credited until the nex.t following installment due date days after such prepayment, whichever is earlier. Simultaneously with the execution of this Note Maker ha xecuted and delivered to the Payee a Mortgage secured upon certain premises situated in the Coun of !~twt , Commonwealth of PennsYlvania, more particulariy described in the 0 ge. All e terms, covenants, provisions, conditions, -stipulations and agreements contained in said Mortg e to' be k! and performed by the Maker afe hereby made a part of this Note to the same extent and with the sa" ~J9-r>c'!ind effect as if they were fully set forth herein, and the Maker covenants and agrees to perform the same; or cause the same to be kept and performed, strictly in accordance with the terms and provisions thereof.' : The whole of the principal sum or any part thereof, and- of any other sums of money secured by the Mortgage given to secure this Note, shaU, forthwith, at the option of the Payee or any subsequent holder thereof, become due and payable immediately, without notice or demand, if default be made in any payment under this Note, and if the default is not made good prior to the due date or th~ next such installment; or upon the happening of any default which, by the terms of the Mortgage given to secure this Note, shall entitle the Payee, or any subsequent holder hereof, to declare the same, or any part thereof, t9 be due and payable. The Maker does hereby empower any aUorney of any ,court of record within the Unit.ed States or elsewhere to appear for Maker, with or without a declaration filed, a~d confess judgment cr judgments against said Maker in favor of the Payee or any subsequent holder hereof, as of any tenn; for the entire unpaid principal of this Note, and all other sums paid by the holder hereof to or on 'behalf of the Maker pursuant to the terms of this Nole or said Mortgage, and all arrearages of interest thereon. ':together with costs of suit, aUomey's commission of 5 ~ 0000 % for collection, and a release of all errors, on which judgment execution or executions may issue forthwith, The Maker hereby waives the right of inquisitiOn on all 'property levied upon \0 collect the indebtedness evidenced hereby and does voluntarily condemn the sarrie and authorizes the Prothonotary to enter such condemna. tion, and waives and releases all laws, now in force or1hereafter enacted, relating to exemption, appraisement or stay of execution" I 1 . . The agreements herein contained shall bind, and the benefus and advantages shall inure to, the respective suc- cessors and assigns of the parties hereto. Where\'er useP, the singular number shall include the plural, the plural the singular, and the use of any gender shall be applicable' to aU genders. IN WITNESS WHEREOF, the Maker has caused thesel p~ents to be executed under seal the day and year first above written. ' , Signed, Sealed and Delivered ';'!\"\;\\\~\ \\\t ~ C' ~. mthePresenceof: ",(\l>'1,\r-\~'il\\ "h\ \"" n,\\ ____ t'~~ ~" ~)f\,\ I, . ,.' :'sW\"'~~\l\'\ JAJ;O EPH E. MARTIN \~~'J ~. , ' ,,,,-,..1\ ,{:>>1 ~ 1.\1.f~ \!\ 'J ,,'~' - '" > f/1' '\\'\\!l-"rc'. ',.\'r'!""""-'" tll.. r/-1 ""'1"\ \\y I,' . '. n ;,.,(,.,\," PATHel'A A. MARTIN \o/.\,\\mh\\1 <I' ,...,. .,\, "".",' .J\ l\nWv~<::.. :\""'-'1'1,;'.'",.<) c aW~'-....... .. ..,.~.., ~ \ 'Ie, /I, /1" ) 7iJ: 'f f ~, ~~~ ./ rU-t: ~ff.. in (SEAL) (SEAL) (SEAL) (SEAL) THIS Is To CERTl on real estate situate' 1 l'/4121'-~IIIRLAND 1.~S:~~~Ptlk Hm~ Twp" Cumbo;rl,niJ Coon\v ~.~.\'C~rni~<;jon F.Xj."lil"€'S Nov. 30, 1~ .~., . I I 'r and secured by Mortgage of even. date. herewith secured County, Commonwealth of Pennsylvania. I LLrt)Ju I I ) I' /11'(1 .1 j/; '" I ,?;{ . ... . Ail o . 0 '49ITHour IlCCOuR MARGA SfPAYTOTHEOIIOER~ RE~ & COMPANY, INC. n !TEll OF TEXAS' '. oY' ..C/.. /~ ASST.vrce SlOeNT~~ BARIlAAAOO8ERTS DEe 0 - , I9ll2 PAY WllHOUT RECOURSE TO "THE ORDER OF } /1 / I / ,. / " .' 1 Ct-:b,. /\0~..kl JJ..-- ANK OF AMERICA. FS13 .- . w~our n 0 OF: ' COURSE PAY fir tHE Om;ii' \.... .. -,. ,,,.,,. "'j5 b.-,.... . '. ,.,~:" ":,-,,~ -:a~':', >1;; , . . , '0 ,.r - Exhibit "e" ~~ - ,L._ , .I~' d o "", \. ... .'--'~"," -,;,~,,~~~; ~ , '.. I' .. c o ": . .'~ ALL TIIA7 CElt'rAIti tract of land situate in the Township of Monroe, 'County of Cumberland and'State of Pennsylvania, being more particularly bounded and described as follows, to' wit: BEGINNING at a, steel pin set on the westernmost '.dedicated right-of:"!wai~' lirte/. _ . of the Stumpstown Road (T-570), said pin marking the co~on point o~.adjoiner ~f Lots Nos. 16"and 17 on the hereinafter mentioned Plan of Subdivision; - thence departing from the Stumpstown Road right-of~ay' and extending along Lot No. 17, South 67 degrees 18 minutes 28 seconds West, for a distance of 2S0.DO" feet to a steel pin; thence extending along Lots Nos. 17, 18 and 19, South 21 degrees 36 m:l.nutes 51 seconds East for' a distance of 3'20.00 feet, to a steel pin at a fence line at lands .now or formerly of Magaro; thence extending along lands now or formerly of 'Magaro, South 67 degrees 18 mtnute~ 28 seconds West, for ,8 distance of 205.00 feet to a steel pin at Lot No.',l5 on the hereinafter mentioned Plan of Subdivision; thence extending along Lot No. 15 the following three courses and distances: North 04 degrees 29 minutes 33 seconds West, for a distance of 420.00 feet to a steel pin; thence, continuing:North 45 degrees 27 minutes 41'seconds East, for, a distance of 110.00 feet 'to: a steel pin; thence continuing North 67 degr'ees 18 minutes 28 seconds East, for a distance of 260.00 feet 'to a steel pin ,set on the westernmost dedicated right-of-wayJLine of the ,Stumpstown Road; thence extending in and along the westernmost dedicated right-of-way line ~f the Stumpstown Road, South 21 degrees 36 minutes 51 seconds ,East for a distance of 120.00 feet to a steel pin on said dedicated ,right-of-way line at Lot No~ 17 no the hereinafter mentioned Plan of Subdivision. said pin marking the place of BEGINNING. . CONt1INING 2.111 acres. and being designated a~ Lot No. 16 on a Final Plan of Subdivision of Monroe Meadows. prepared for Kimba, Inc.) by Statler and Lahr.' Reglstered Engineers, dated November'24, 1986, and recorded in the Office of the Recorder of Deeds in and for Cumberland County. Pennsylvania, in Plan Boo~ 53. at Page 34. BEING THE SAME PREMISES which Kimba, Inc.., a Cocporation by Deed dated November 7, 1987 and recorded in Cumberland County Deed Book B, Volume 33, Page 175, granted and conveyed unto Joseph E. Martin and Patricia A. Martin, his wife. .----,.,-----------.' . "7 .. ':i O$'\\'iY~ l<;;"~~\": ...4"c ~;l~fs'T:",:..:::(:,:,:,:,"~; 'fll-\1l""""-"'''-~'''',.''''''''~' '.'9'1# \~};t~,~~ ~-(~:,:~ ,1.1:' s~ -~,~ ,,1 P~nn~ylvftnla 1 55 ;', ", ',", , ,:t:'Y (J{ cumqerlnl1d ' d'n" of Deeds ''''. '..: ,.-" in the office for the recor I .. ," . . '., ,"::d lor Cumb<>rland coun~t' ~~ ,,, ~..\;.,; [ '",~I=- Vol. --= paQ41 . . 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" iU'" ~ a ~'" a S ii'l ~ ~ ;>< ~ 5 ~ I ,9.,... ~'~"iil ~ r"o;:!= <-=1a] C 3: "'.... !--< Il.lV'-<-t =-~::!lo O~]'E .... !!! 0 Il:I .Gaul'S [;0;. ..=: -:= e Os Q).S z...:: tr o ~ ~ e ~E ~] =--c:l=.... :E o:a ~ ;:l-a..c: "'~_.... tr.J=~i:ii -(~o-= J , ~ "' '="""';";-.2S-,.j:~;j ~ \ r "~ o .'. . ,~ J Exhibit "E" o l ~ , " .".,,~,-o,,-,~, _y ;0 '~ 'Ci/ 11>& - ~~ ,~. - , , , -..1 "e 0-",."_;;.,"__",, '''<-''4;:;, .. .. ....) o o NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT. (the Act) 15 D.S.C. SECTION 1601 AS AMENDED 1. This law'firin may be deemed a "debt collector" under the Fair Debt Collection Practices Act. Any and all infonnation obtained during the prosecution of this lawsuit may be used for the purpose of collecting the debt. 2. The amolmt of the debt is stated in paragraph 9 of the Complaint. 3. The Plaintiff as named in the Complaint is the creditor to whom the debt is owed, or is servicing agent for the creditor to whom the debt is owed. The undersigned attorney represents the interests of the Plaintiff. 4. The debt described in the Complaint, evidenced by the copy of the mortgage note attached hereto, will be assumed to be valid by the creditor's law finn unless the debtor, within thirty (30) days after the receipt of this notice, disputes in writing the validity of the debt or some portion thereof. 5. Ifllie debtor notifies the creditor's law finn in writing within thirty (30) days of the receipt of this not\ce that the debt or any portion thereof is disputed, the creditor's law finn will obtain a verification of the debt and a copy of the verification will be mailed to the debtor by the creditor's law finn. 6. If the creditor named as Plaintiff in the Complaint is not the original creditor, and if the debtor makes a writtel) request to the creditor's law finn within the thirty (30) days from the receipt of this notice,. the name 'and address of the original creditor will be mailed to the debtor by the creditor's law finn, 7. Written requests should be addressed to Spear & Hoffman, P.A., 1020 North Kings Highway, Suite 210, Cherry Hill, NJ 08034. .': .'-.'. ." l' , . \ . '~. ," i" {t; ~. . "" ... >l' ~) .~" ~~.~' '80_'< =," ...< "~'~ :-:- :Wi.J_~", ,,~ll,.,.<___ ."', ., . ~"..~, ~~'.'~~ .".~<-- ,.~., . E SHERIFF OFFI(;E_~;,r~c.. C0UNTY CUMB:,... . 2 01 PH '01 -I . < C~~d'~ ,~ '-";:!'. , 'i ~ Dee 14 c^\~.~ lvi :VA:N IA PEN N ~ I L RECEIVcDNOV 1 3 2001 C ~~.IJ~1T_>:il!,..".,'_~8 !!~~~1o/(!:~~~i'lr.:q."1';';,,"';.q ~~jl_~""",.",,_. , , ~~; j 1 ,~1!~11 "'.' '''$'~,'j ,<~l-i_CX =>0 >. '''~" "i"li" ~ _""c'" ,-.-"'0 ''<'fi>-~''1Iit'''''!i'~l?(' ,,," ''(I' ~~'Vi1fP"'ifr"1 '''"' , , ",-,-,--, ""~,,' Spear & Hoffinan, P.A. BY: THOMAS J, HORNBECK, ESQUIRE Attorney J.D. No. 80057 1020 N. Kings Highway, Suite 210 Cherry Hill, New Jersey 08034 (856) 755-1560 Attorney for Plaintiff '-'I' ' _,~-,,_, ,- -, --,,- c' ' ,-' . ,,' j',,,,, ,-, I;. ~-" ~ ,/-'\ ~, <\,,-;. of, -,:,~~"-;:- :.; :"-<-""\'i>-;;i;-<j,;~ Oct,;, -:;;;:;:", -,' '" , ' :>>'r. f' BANK OF AMERICA, NA PLAINTIFF, Ys. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 01-6380 CV JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN DEFENDANT PRAECIPE TO REINSTATE COMPLAINT IN MORTGAGE FORECLOSURE TO THE PROTHONOTARY: Kindly reinstate the Complaint in Mortgage Foreclosure on the above-captioned matter. ,tb1li'bjMiii.I";/' "-~b, "'; <",",",.~,#~"Dj,', ',";e'. '0' ~Om.i!\~-""-"-"'" . ....."""",.."'p"",. .<!IJ!U)~,...la I lII! 1\1 ~Il'l!l.I!IM1U.L!!!.J.J . .. '~"_'."i ""'" -"";;" ,L~L:,1--<' _'_4'~'''''W'~. __~~ ~_ <.",~",,--". ~,~ 'I"_N~, ,,' ~-~""',-. 'S.' ."" o-J ",,,-~'''''>- ,,''; ",~"".. ,~ ~, ~.~ ~~r:- 6il _r r" ::.::::::: f> oC_",(--' ...--::' ~- ' ;;;;,--::"{-t ~~C' /"" -~ --( ..-",. " <"-~" , "'-""""""-u (") (". j(::.-',~ .~';;:; ;--'>,) ()) .;~ j' r-~:- '".:';' ::0 ...j ~1 Es 64 "[',',," C'h 0, .';;," ',' .',C -,,: ,;-- :-- ,1-" '>"'~ ,;~"O~-",,; ",.,.',;~.;~:' ,., ',~'\,,: ,,:/.;-:i;.': ,-c "'.; i {,.-: i~~:i SPEAR AND HOFFMAN, P.A. '. BY: BONNIE DAHL, ESQUIRE ATTORNEY J.D. NO. 79294 1020 NORTH KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (609) 755-1560, FAX (609) 755-1570 ATTORNEY FOR PLAINTIFF MAR 0 8 2002 V BANK OF AMERICA, NA COURT OF COMMON PLEAS CUMBERLAND COUNTY PLAINTIFF, vs. DOCKET NO. 01-6380-CIVIL TERM JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN DEFENDANT(S) ,~ AND NOW, this ~ day of ~o~uant to Plaintiffs Motion for Special Service and accompanying Memorandum of Law in Support thereof, it is hereby ORDERED that Plaintiffs Motion is hereby GRANTED; Service shall be deemed proper upon the following methods: // -bL certified and regular mail Posting Property located at: 318 STUMPS TOWN ROAD MECHANICSBURG, PA 17055 Other, as required by the Court: It is further ORDERED that all subsequent pleadings shall be deemed properly served upon defendants by the above methods of service or the methods of service as prescribed by Rule 440 of the Pennsylvania Rules of Civil Procedure regarding service of legal paper f er than original process without further application to this Court for allowance of speciaf ~ervice. ;/ tq>'j 1\\a;~ 03-II-Oa ~,~ ;;;0),,-,,.,,.-, ',M'""" ncciliii"""'" ,.", 'i<~" - ...n II ~~;khi" Illlm ~ L I "UIUll!k. 11~1Jlj1JJIIJlll_ ." """ ,<""l<'''_", "":-"'-";"':.'-"<:":;:i~~ii111t 'l~"j~1"i-:'Ii:i~~ ""~""",,,^",~""' "".',.,. ! "",),~.,~".J ["",,,,.1,,.,, ',",". ,"It ~~lJ1f",:,~,LL~...~,_,,",~, ~-, -~ . ~if ._ .' ~ ,,-,,',,_.,. ...",~., ,.,0' ,,,~ ,.", ~.,,, .",.~"'''',,_ ~,~.~'.P. . - - -'I.....~ ., , U" -" ",,'. ~ ,"',' ,-';;'.,' ,.-,0 '\~;; SPEAR AND HOFFMAN, P.A. . ,. BY: BONNIE DAHL, ESQUIRE ATTORNEY J.D. NO. 79294 1020 NORTH KINGS IDGHW A Y, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF, LOAN NO. 000 II 06087 BANK OF AMERICA, NA PLAINTIFF, vs. COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN DEFENDANT(S) NO. 01-6380-CIVIL TERM MOTION FOR SERVICE PURSUANT TO SPECIAL ORDER OF COURT Plaintiff, by and through its counsel, BONNIE DAHL, ESQUIRE, moves this Honorable Court for an Order directing service of the Complaint in Mortgage Foreclosure and Notice of Sale upon the above-captioned Defendant(s) by Certified mail and regular mail and by posting of the premises: 318 S11JMPSTOWN ROAD MECHANICSBURG, P A 17055 and in support thereof avers the following: 1. Attempts to serve Defendant(s) with the Complaint (Notice of Sale) have been unsuccessful, as indicated by the Return of Service by the Sheriff's Office (Legal Process Server) and/or proof of additional attempts at service attached hereto as Exhibit "A". 2. Pursuant to Pennsylvania Rule of Civil Procedure 430, Plaintiff has made a good faith effort to locate the Defendant(s). An Affidavit of Reasonable Investigation setting forth the specific inquiries made and the results therefrom is attached hereto as Exhibit "B". WHEREFORE, Plaintiff respectfully requests this Honorable Court enter an Order pursuant to Pennsylvania Rule of Civil Procedure 430 directing service of the Complaint in Mortgage Foreclosure and Notice of Sale by certified mail and regular mail and by posting of the premises. Respectfully submitted, SPEAR & HOFFMAN, P.A. ~ BONNIE DAHL, ESQUIRE ~ .""-- ,." -- -... ~.~ , i.......- SPEAR AND HOFFMAN, P.A. BY: BONNIE DAHL, ESQUIRE ATTORNEY I.D. NO. 79294 1020 NORlH KINGS IDGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560, FAX (856) 755-1570 ATTORNEY FOR PLAINTIFF BANK OF AMERICA, NA PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO. 01-6380-CIVIL TERM JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN DEFENDANT(S) MEMORANDUM OF LAW IN SUPPORT OF MOTION FOR SERVICE PURSUANT TO SPECIAL ORDER OF COURT Plaintiff, by and through its counsel, BONNIE DAHL, ESQUIRE, submits this Memorandum of Law in Support of its Motion for Service Pursuant to Special Order of Court. Pennsylvania Rule of Civil Procedure 430(a) specifically provides: (a) Ifservice cannot he made under the applicahle rule, the plaintiff may move the Court for a special order directing the method of service. The Motion shall be accompanied by an Affidavit stating the nature and extent of the investigation which has been made to determine the whereabouts of the Defendant(s) and the reasons why service cannot be made. Note: A Sheriffs return of "Not Found" or the fact that a Defendant has moved without leaving a new forwarding address is insufficient evidence of concealment. Gonzales vs. Polis. 238 Pa. Super. 362, 357 A.2d 580 (1976). "Notice of intended adoption mailed to last known address requires a good faith effort to discover the correct address." Adoption of Walker, 468 Pa. 165, 360 A.2d 603 (1976). An illustration of good faith effort to locate the defendant includes (I) inquiries of postal authorities including inquiries pursuant to the Freedom ofInformation Act, 39 C.F.R. Part 265, (2) inquiries ofrelatives, neighbors, friends and employers of the Defendant, and (3) examinations of local telephone directories, voter registration records, local tax records and motor vehicle records. As indicated by the attached Return of Service marked hereto as Exhibit "A", the Sheriff (Legal Process Server) has been unable to serve the Complaint in Mortgage Foreclosure (Notice of Sale). A good faith effort to discover the whereabouts ofthe Defendant(s) has been made as evidenced by the attached Affidavit of Reasonable Investigation, marked as Exhibit "B". WHEREFORE, Plaintiff respectfully requests service of the Complaint in Mortgage Foreclosure and Notice of Sale by certified mail and regular mail and by posting of the premises by the Sheriff. Respectfully submitted, SPEAR & HOFFMAN, P.A. BONNIE DAHL, ESQUIRE "A'" ,~.~, '--1:' <'<;L ~,j; ] ..' "~"~'" - ,;:G_-'~." "-.l',;~~~-~:, _',0",_,,_ '""-- ;,':- - ;,~:;:: .1, ,,-',--~, '"", 'i- ;"t",;-- ;:;;;i,,:.;;:;;;;}~%t;'~;;'~,~-,~:":r~_,';,;,,_:;' '"< ~;i';~;;fji VERIFICATION BONNIE DAHL, ESQUIRE hereby states that she is the Attorney for the Plaintiff in this action, that she is authorized to make this Affidavit, and that the statements made in the foregoing MOTION FOR SERVICE PURSUANT TO SPECIAL ORDER OF COURT are true and correct to the best of her knowledge, information and belief. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa. C.S. 94904 relating to unsworn falsification to authorities. ~ ~PEAR AND HOFFMAN, P.A. BY: BONNIE DAHL, ESQUIRE ATTORNEYLD. NO. 79294 1020 NORTH KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 FAX (856) 755-1570 ,~ -"~'-",,,,,>fr-',,;.',, ~, "- "-' o"'"'-''~''' ".,.~,.;" ',C ~-'" 'ii. - ',t." ~_" ',..;;;.;,~.,,.. "-,:,;;",-,,,,0 ""'. '",,, "~",. '''''']~.~:~ Exhibit "A" II "'~ ^ '" "'... ~" ~~l.I. 1J'""".~bl",..,i","ik........_ j, ~,~",\IJ,jj,j';j~ _.......d - _. . , .......L~lilil!oI- " '.,," ,., -;'>'1::;: SHERIFF'S RETURN - OUT OF ". 'C~SE NO: 2001,06380 ttl COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND COUNTY o BANK OF AMERICA NA vs MARTIN JOSEPH EDWARD ET AL R. Thomas Kline , Sheriff or Deputy Sheriff who being duly sworn acco~ding to law, says, that he made a diligent search and ,and inquiry for the within named DEFENDANT " to wi t : MARTIN PATRICIA ANN but was unable to locate Her in his bailiwick. He therefore deputized the sheriff of DAUPHIN County, Pennsylvania, to serve the within COMPLAINT - MORT FORE On November 30th, 2001 , this office was in receipt of the attached return from DAUPHIN Sheriff's Costs: Docketing Out of County Surcharge Dep Dauphin Co 6.00 9.00 10.00 30.50 .00 55.50 11/30/2001 SPEAR & HOFFMAN so~: // ~>.. ,.~~~ R. Thomas Kline Sheriff of Cumberland County Sworn and subsc~ibed to before me day of this A.D. Prothonotary h ~ ~ 1~u" '"~I~I I o~~-'4,1 -^"-I..- c,'~' S,,,--~ .',,,,,,- ,"'; <'I SHERIFF'S REtUkN - NOT CASE NO: 2001-063SjC) COMMONWEALTH OF ~ENNSYLVANIA COUNTY OF CUMBERLAND FOUND 0.... '. " BANK OF AMERICA NA VS MARTIN JOSEPH EDWARD ET AL R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named defendant, DEFENDANT MARTIN PATRICIA ANN but was unable to locate Her in his bailiwick. He therefore returns the COMPLAINT - MORT FORE , NOT FOUND , as to the within named DEFENDANT , MARTIN PATRICIA ANN Sheriff's Costs: Docketing Not Found Affidavit Surcharge 6.00 5.00 .00 10.00 .00 21.00 SO~...<;~. /...~..~ ~/ /~~~ ~ R. omas Kline Sheriff of Cumberland County SPEAR & HOFFMAN 11/30/2001 Sworn and subscribed to before me day of this A.D. Prothonotary > . ",',," -"""".-' "~""'''- ,'_,'ii;.", ,,;< ,;,,:'JO ' Exhibit "B" .,"- 1','-: ,.;-.,.., -,'\,,-_.~;--"'" ". .;o"o~;, '.-',.,,,'- -'~' ;-rr~~h"l ""', ,,~ - "-~ -' -' "" ' '" . ,I. l. ,.L_ "^ """'!'r~'~j!.'" !eb~22-02 02:17pm From-PLAYERS ASSOCIATION 6362300558 T-647 P.02/07 F-442 PLAYERS NATIONAL LOCATOR AFFIDAVIT OF GOOD FAITH INVESTIGATION Loan Number E1KM-P-251 Attorney FirmSPIEAR & HOFFMAN PENNSYL.VAN/A Case Number SuDJecr PATRICIA A MARTIN AKA.. PATRICIA A ANDERSON New Aaaress: 4000 L.EXlNGTON STREET HARRISElURG, PA 17108 Last Known Address' 318 STUMPSTOWN ROAD MECHANICSElURG, PA 17055 Last Known NumDer ( ) - Michael K Gross, being duly sworn according to law, deposes and says. 1 I am employed in tI1e capacity of PreSident for Players National Locator 2. On 10/1412001. I conducted an investigation into the whereabOuts of the aDove named defendant(s). The resultS of my investigation are as follows. CREDIT INFORMATION. A. SOCIAL SECURITY NUMBER 207~771 B EMPL.OYMENT SEARCH: Unable to locate a good employer for Patricia. e INQUIRY OF CREDITORS Creditore indicated lIlat Patricia is livine at 4000 L.flXington Street, Harrisburg, Pa. 17109 with no valid home phone number. Plltricia filed chapter 13 bankruptcy in February 2000 with attomey Deborah Hughes. Case j 00-00684 with nQ release date given. INQUIRY OF TELEPHONE COMPANY - A. DIRECTORY ASSISTANCE SEARCH: Directory assistance has no listing fQr Patricia Martin. We called 717-697~511 and spoke with Joseph Manin whQ etated Patricia Manin is livine at 4000 L.eXington Street. Harrisburg, Pa. 17109. INQUIRY OF NEIGHBORS - NlA INQUIRY OF POST OFFICE- A NATIONAL ADDRESS UPDATE: As of October 12..2001 the NatiQnal Change of Addreu (NCaA) has no c:hange for Patricia from 4QOO L.eXington Street, Hamllburg, Pa. 17109. MOTOR VEHICLE REGISTRATION- A MOTOR VEHICLE & DMV OFFICE' The Pennsylvania Deplllnment Qf Privel$ L.icensing has Patricia listed at 4000 Lexington Street, Harrisburg, Pa.17109. OTHER INQUIRIES - A. Dl:ATH RECORDS- As Qf October 12. 2001 the Sociill Securicy AdminlstratiQn has no death tec:ord on file for Patricia '" .. -=_.---~ ~=...," ' '~-....,,~""'" ,- ~~".~ ~ .." ]" :-i';'; , ~,.;;", ';;~ '",jod" V-' """,;>' "iliki-i': Feb-22-02 02:17pm From-PLAYERS ASSOCIA710N " . 6362300558 T-647 P.03/07 F-442 A Martin and or a.k.a:s under her social U,,"rity number. B PUBl-IC LICENSES ( PILOT. REAl- ESTATE, ETC ) None Found C COuNTY VOTER REGISTRATION. The pauphin County VOlens Resisllalion Office has Pan'lcia listed al 4000 LexinSlOn Streel, Harrisburg, Pa. 17109. ADDITIONAl-INFORMATION ON SUBJECT- A DATE OF BIRTH: 12/54 I .. NOTARY SeA~~ l KrIstine M. SCOIl N::J MdisOuri 51. Uluis CoU!1l'J, Statll 9/212002 My CommiSSIon Expires Players National Locator 113 Old State Road, Suite 104 St. Louis, MO 63021 Phone. (636) 230-9922 Fax: (636) 230-0558 ''''''' ~. "'" ~ ~,~~'. J.. " " ,-,~ " ";"<'--(JJ!jjj~;J, ,feb;22-02 02:18pm From-PLAYERS ASSOCIATION 6362300558 T-647 P.04/07 F-442 PLAYERS NATIONAL LOCATOR AFFIDAVIT OF GOOD FAITH INVESTIGATION Loan Numller: BKM.p.251 Atlornev Flfln' SPEAR & HOFFMAN PENNSYLVANIA Case Numller: Subject JOSePH E MARTIN A.K.A.. JOSI:PH MARTIN Last Known Address. 318 STUMPSTOWN ROAD MI:CHANICSBURG, PA 171155 Last Known Numller: (717) 687-4611 Mienael K Gross. llelng dulV swom according to law. deposes and says' 1. I am emplOyed in the ~paelty of Presillent for Players National LO~lOr 2 On 1011412001. I conduClea an investigation Into the wherealloulS oftne above named defendanl(s) The results of my investigation are as follows: CRI:DIT INFORMATION - A SOCIAL SECURITY NUMBER: 177-42-2030 B EMPLOYMENT SEARCH: Umlble to lo~te a good employer for Joseph. C INQUIRY OF CREDITORS, Creditors indicated that Joseph ialiving It 318 Stumpstown Road, Mechanic:sburg, Pa. 17055 with the home number of 717-697-4511. JOlIeph filed ohapter 7 bankrllptcy in January 2001 with attorney Deborah A Hughel!. Clse" 2001-00684 with a release date of January 2001. INQUIRY OF TELEPHONE COMPANY - A. DIRECTORY ASSISTANCE SEARCH The ham. phone number for Joseph Martin is 717-697-4511 regilltered at 318 stumpstown Road. Meohanicsburg, Pa. 17055. We called the home numb.r and IIpoke with Joseph who atated he is living at this address. INQUIRY OF NEIGHBORS - NlA INQUIRY OF POST OFFICE - A NATIONAL ADDRESS UPDATE: M of October 12. 2001 the National Change of Addre. (NCOA) has np change fpr Joseph from 318 Stumpatpwn Road. Mechanic:sburg, Pa.17055. MOTOR VEHICLE REGISTRATION- A MOTOR VEHICLE & DMV OFFICE The Pennsylvania Department of Drivers Licenlling has Jpseph listed at 318 StumPlltown Rpad, Meohanic:sburg. Pa. 17055. OTHER INQUIRIES- A DEATH RECORDS' M of Dc:tober 12, 2001 the Social Security Administration hall no death n1cord pn file for JlIlIeph E Mertin and or a.k.a:a under hill 1I0cialseoumy number. ;."" ~ ~~~.. '"-~ . -~_>--o>"_,~" ~, ~~ IJ I,""",. ,_,_ '" " "'1'\" ',,-." ",. ",,-',,' ~;-M, , , )Fe~-22-02 02:18pm From-PLAYERS ASSOCIATION . " None Found 8382300558 T-84T P.05/0T F-442 . -. - I C COUNTY VOTER REGISTRATION: The Cumberland County Villers ~ellistralion Office has JOGeph listed at 31 B Stumpstown Road. Mechanicliburg, Pa. 17055. ADDITIONAl-INFORMATION ON SUBJECT- A DATE OF BIRTH. 151 . NOTARY SEAL.. Klistine M. ScoIl, Notal'\l Pubfic . St. Louis Colll1ly. Sl8!flo! MISSOurI My Commission Expll'us 9J2I2002 Players National Locator 113 Old State Road, Sude 104 St. Louis, MO 63021 Phone: (636) 23()"9922 Fax: (636) 23()..0558 111. .<:L"',~Mijtill!:,,%.';';iJi;jjdi;,;t,4/;:k~~&:ii).J,~"~roiL4'~M;b,,";i-.,;~Q,,;.';;mf:il.'t.\1",';-'- i,.)" .,~~,,,L.J.;~h:l1;.;!<-;j-:!M'HI,,\i.l$iiJlJi:,;,~-' ~L", ~".<' ,-,' ~ 'lII',.,.,,.:,-,. ~'~.'~\lf[1WI~1 ~ ' , ,\"""1,,,4IIM\1I!I!11 I ". "~,,'II..IIrr1IIIJ.". "',' "J".",.",,, w,".'~~m,',,,,,,,.,,,,,,,,,,, ,.'.,',,,, ,1,..., ." "'" x'~"'''''''''''~'~,,,,,,,,,,. " ,.,~,>." g ~. -00:1 ff1il \ ~f ':C~ 'ZC; (n,.,. ;:'(/, ,-::0 ..c::: %0 ~2: -z;, :< jIirliillli2'.,_JM! o N ::it ?]:j \ x;" ~ , n ":e:('l ~' ~ ::1': 'f! o ;-- " ~i "j , I'-~ --'tl .'.__----:"1 I.:;~~ .--1 ~ .- ~4 ~~'_"'"j~~-=~_i>l=...,'~ M II Ii,,: """... ~~\lIiil.lllillll~ ~ ~.~ l.........".;. '-' , '~'\~',~' 'i'- SHERIFF'S RETURN REGULAR 'lIi.i CASE NO: 2001-06380 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND BANK OF AMERICA NA VS MARTIN JOSEPH EDWARD ET AL CPL. MICHAEL BARRICK , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon MARTIN JOSEPH EDWARD the DEFENDANT , at 0941:00 HOURS, on the 2nd day of April , 2002 at 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055 by handing to POSTED PROPERTY AT 318 STUMPS- TOWN ROAD MECHANICSBURG a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Posting Surcharge So Answers: 18.00 6.90 6.00 10.00 .00 40.90 rK-~~t:~ R. Thomas Kline me this 1/)": day of 04/03/2002 "EARB:H:~ ,( Sh . Deputy e l . Sworn and Subscribed to before Of ,,-1 A.D. CJ~,- 0 'JM'Pd",,~, othonotary """""" ~~_..~~ ~~"""'~~""'" -. -< " ---,~ - "~~~' ~""~"'~< :"~",b~i ,. . ~ CASE NO: 2001-06380 P SHERIFF'S RETURN - REGULAR COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND BANK OF AMERICA NA VS MARTIN JOSEPH EDWARD ET AL CPL. MICHAEL BARRICK , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon MARTIN PATRICIA ANN the DEFENDANT , at 0941:00 HOURS, on the 2nd day of April , 2002 ~t 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055 by handing to POSTED PROPERTY AT 318 STUMPS- TOWN ROAD MECHANICSBURG 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 .00 10.00 .00 16.00 r-~~/~~ R. Thomas Kline 04/03/2002 SPEAR & HOFFMAN Sworn and Subscribed to before By: me this //) ~ day of ~ ,)1JtJJ..; A.D. Q,~- O. ~ ~7f r thonotary :j~~j;:Wi\0t;'~' "'"'-'''c'"";~~'''''J,0.,--,_"c::'''M,.,iw,;-",j~:",,n,~::l1-e~~<;,'1,tt>"~'t,~;,:';,,; {7 f..7 "-'~" ~""",:';;8"A;;";flll'i1~WI~- ,~J.",: U~",;", 'n' l~ . ,,~~ . ~~~=~""T,",I<"[""~<""",-"-""""","""'_7_1",...,,,,,,,,. ,~, ,~,~. ,.."_"",,,C',,",.v, ~'''~ ~- '~'lIi~m'" - ,,"~""~ =" - ~ ~,I",",~" ,~,,;_~<.,r,,<_"'" _~ ~. .,='. ". ,~,< " ,~, --,-" ItiHl ~ . .. 1:!ilI"J!' ""'"'~',,",~~'~' n iii'~ ~- ,~ _,< . ~ "m1~.'~ ;l..~ - , I: LlaI.~ ~~~;,~ .J' ) SHERIFF'S RETURN - REGULAR CASE NO: 2001-06380 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND BANK OF AMERICA NA VS MARTIN JOSEPH EDWARD ET AL SHAWN HARRISON , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon MARTIN JOSEPH EDWARD the DEFENDANT , at 1605:00 HOURS, on the 14th day of November, 2001 at 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055 by handing to JOSEPH MARTIN a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Aff idavit Surcharge 18.00 6.50 .00 10.00 .00 34.50 So Answers: r'~~ R. Thomas Kline 11/30/2001 SPEAR & HOFFMAN ~ Sworn and Subscribed to before By: me this 1~ day of I.t,,~ .2601 A.D. ~. 0 '11".PP.~, ~ rothonotary ~,,,",' "~~ m"'~""""" 1"..... "" "-~""') " ~'-~"'--I- --." "=~- ~ " , .""",,~, SHERIFF'S RETURN - NOT FOUND . CASE NO: 2001-06380 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND BANK OF AMERICA NA VS MARTIN JOSEPH EDWARD ET AL R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named defendant, DEFENDANT MARTIN PATRICIA ANN but was unable to locate Her in his bailiwick. He therefore returns the COMPLAINT - MORT FORE , NOT FOUND , as to the within named DEFENDANT , MARTIN PATRICIA ANN Sheriff's Costs: Docketing Not Found Affidavit Surcharge ,O~~ R. omas Kline Sheriff of Cumberland County 6.00 5.00 .00 10.00 .00 21.00 SPEAR & HOFFMAN 11/30/2001 Sworn and subscribed to before me this 7~ day of 1..1u~ ;)r:m! A.D. (-~ Q~,~ Pr"o honotary . "',1 " .C~~,j0-" ,~ It _~_""..... ",J~~_,..~,","", .~......~iItilW,ilJ ~~ .1.-. -...~~ '.d ,..'" ,;,~*~,i , . SHERIFF'S RETURN - OUT OF COUNTY CASE NO: 2001-06380 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND BANK OF AMERICA NA VS MARTIN JOSEPH EDWARD ET AL R. Thomas Kline , Sheriff or Deputy Sheriff who being duly sworn according to law, says, that he made a diligent search and and inquiry for the within named DEFENDANT , to wit: MARTIN PATRICIA ANN but was unable to locate Her in his bailiwick. He therefore deputized the sheriff of DAUPHIN County, Pennsylvania, to serve the within COMPLAINT - MORT FORE On November 30th, 2001 , this office was in receipt of the attached return from DAUPHIN Sheriff's Costs: Docketing Out of County Surcharge Dep Dauphin Co 6.00 9.00 10.00 30.50 .00 55.50 11/30/2001 SPEAR & HOFFMAN so&~~~ R. Thomas Kline Sheriff of Cumberland County Sworn and subscribed to before me day of /..leu~..J this 1 b cHwl A.D. q.,hU. () )IA,()~,.. ~ f Prothonotary . ~~~ ~~~,,,,~,..' _~, ...J_ I, , __ I " , _ :,;,;<,;';;~;:7[i}:~~ii~~~~iZt~\1~;'~~\"\<\f~':: ,;~~, ~"~ L.i....~~~. .. @ffitt of tfr~ ~4~riff Mary Jane Snyder Real Estate Deputy Michael W. Rinehart Assistant Chief Deputy J. Daniel Basile Chief Deputy William T. Tully Solicitor Dauphin Connty Harrisburg, Pennsylvania 17101 ph: (717) 255-2660 fax: (717) 255-2889 Jack Lotwick Sheriff Commonwealth of Pennsylvania BANK OF AMERICA County of Dauphin vs JOSEPH EDWARD MARTIN Sheriff's Return No. 3268-T - -2001 OTHER COUNTY NO. 01-6380 I, Jack Lotwick, Sheriff of the County of Dauphin, State of Pennsylvania, do hereby certify and return, that I made diligent search and inquiry for JOSEPH EDWARD MARTIN the DEFENDANT named in the within COMPLAINT IN MORTGAGE FORECLOSURE and that I am unable to find him/her in the County of Dauphin, and therefore return same NOT FOUND, November 27, 2001 PER LORI MCCALL NEW RESIDENT AT 4000 LEXINGTON ST., HBG., PA 17109 DEFENDANT DOES NOT LIVE AT RESIDENCE ANY LONGER. POST OFFICE HAS NOTHING ON FILE. Sworn and subscribed to Jf:lM- efore me this 27TH day(\ NOV~MBER' t.. l +)aAuW) 2001 Sheriff of Dauphin County, Pa. PROTHONOTARY By Deputy Sheriff Sheriff's Costs: $30.50 PD 11/19/2001 RCPT NO 156814 --O""'i:'-""iJl~~01l1_; N~ 1'8 -~ ~, ~",,~~-' ~ . _...",,1 " ,'" ",.' '--".-' .'~' "~"'''-';''~tc,-, . In The Court of Common Pleas of Cumberland County, Pennsylvania Bank of America VS. Joseph Edward Martin et al SERVE: Patricia Ann Martin No. 01 6380 civil Now, November 14, 2001 , I, SHERIFF OF CUMBERLAND COUNTY, P A, do hereby deputize the Sheriff of Dauphin County to execute this Writ, this deputation being made at the request and risk ofthe Plaintiff. ~~~ -~/<U" *' "~~"'~~ Sheriff of Cumberland Couuty, P A Affidavit of Service Now, , 20_, at 0' clock M. served the within upon at by handing to a copy of the original and made known to the contents thereof. So answers, Sheriff of County, PA Sworn and subscribed before me this day of , 20 COSTS SERVICE MILEAGE AFFIDA VIT $ $ !l; =, .-. J:..' __1. ~ ~ l """ ",.l.-..-" "~.. . .,,-'",, ,""-I'If'~IM~i,j . COpy Spear & Hoffman, P..A. . BY: BONNIE DAHL, ESQUIRE Attorney LD. No. 79294 1020 North Kings Highway, Suite 210 Cherry Hill, New Jersey 08034 (856) 755-1560, Attorney for Plaintiff, Loan No. : 0001106087 BANK OF AMERlCA, NA 475 CROSSPOINT PARKWAY p.o. BOX 9000 GETZVILLE, NY 14068-9000 PLAINTITF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. 61- C-3c!>6 CUl{ ~€N[ vs. JOSEPH EDWARD MARTIN AND P ATRlCIA ANN MARTIN 318 STUMPSTOWN ROAD MECHANICSBURG,.P A 17055 DEFENDANTS COMPLAINT - CIVIL ACTION CqMPLAINT IN MORTGAGE FORECLOSURE ..;.". NOTICE You have been sued:in court: If you wish to defend against the claims set forth in the following pages, you must take action within twentY (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in Writing with the court your defenses or objections to the claims s~t forth ag~inst you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered ag~inst you by the court without further notice for any money claimed in the complaint or for any other clljirn or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IT YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU'CAN GET LEGAL HELP. CuMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17103 (717) 249-3166 .'.' TRUE COpy FROM RECORD In TflStlmooy whel'llOf, I hera unto set mv hand ;00 the o~said Court at Carlisle. Pa. ~':J! _ A G. .-~ ' G.'. , ~ ~"' ~ '1il,;jJ,~"j,. , ,. A VlSO Le han demandado a ustederi: la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene ,veinte (20) dias de plazo a partir de la fecha de la demanda y la notificacion. Race falta asentar una cO.!llP!lfencia escrita 0 en persona 0 con un abogado y entregar a la corte en forma escrita sus defensas 0 sus obj eciones alas demandadas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso 0 notificacion. Ademas, la carte puede decidir a favor del demandato y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero 0 sus propiedades 0 otros dereches importantes para usted. LLEVEESTADEMANDAA UN ABOGADO INMEDIATAMENTE, SINO TIENE ABOGADO 0 SINO TIENE EL DINERO SUFICIENTE DE P AGAR TAL SERVICIO, VA Y A EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIAL LEGAL. . CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, P A 17103 (717) 249-3166 ., J t, . m , ~J_ ~, 'roi~it&' -,< ,;; -,/; , Spear & Hoffman, PA BY: BONNIE DAHL, ESQUIRE Attorney LD. No. 79294 1020 North Kings Highway, Suite 210 Cherry Hill, New Jersey Q8034 (856) 755-1560, Attorney for Plaintiff, Loan No. : 0001106087 BANK OF AMERICA,NA 475 CROSSPOINTP~WAY P.O. BOX 9000 GETZVILLE, NY 14Q68-900Q PLAIN:rlFF, . COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. vs. JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN 318 STUMPSTOWNROAD'; MECHANICSBURG, PA 17055 DEFENDANTS .. COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is BANK OF AMERICA, NA, with its principal place of business located at 475 CROSSPOINT PARKWAY, P.O. BOX 9000, GETZVILLE, NY 14068-9000. 2. The names and last known addresses of the Defendants are: JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN, 318 STUMPSTOWN ROAD, MECHANICSBURG, P A 17055. 3. The interest of each individual Defendant is as mortgagor, real owner of the real property subject to the mortgage described below, or both. 4. On or about NOVEMBER 23, 1992, Mortgagors made, executed and delivered a Mortgage upon the premises hereinafter described to BANK UNITED OF TEXAS FSB, which Mortgage is recorded as follows: Office of the Recorder of Deeds in and for CUMBERLAND COUNTY DATE OF MORTGAGE: NOVEMBER 23, 1992 DATE RECORDED: DECEMBER 2, 1992 BOOK: 1105 PAGE: 415 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. 1019(g). A true and correct copy .of said Mortgage is attached hereto as Exhibit "A" and incorporated herein by reference. 1 ~~ - ~",.~~~~, "~" . ~ 'j I ",L ~'<" """~~ " ,,,,,,-' 5. On or about NOVEMBER 23, 1992, in consideration of their indebtedness to BANK UNITED OF TEXAS FSB, JOSEPHEDW ARD MARTIN AND PATRICIA ANN MARTIN made executed . , and delivered to BANK UNITED OF TEXAS FSB their promissory Note in the original principal am01mt of$112,500.00. A copy of said Note is attached hereto as Exhibit "B" and incorporated herein by reference. The Note is referenced herein only insofar as the terms of the Note are incorporated into the Mortgage. 6. Plaintiff is the legal holder ofthe Mortgage by virtue of being either the original Mortgagee, the legal successor in interest to the original Mortgagee, or the present holder of the Mortgage by virtue of the following assignments: ASSIGNOR:' BANK UNITED OF TEXAS FSB ASSIGNEE: CHEMICAL RESIDENTIAL MORTGAGE CORPORATION, A NEW JERSEY CORPORATION, FORMERLY KNOWN AS MARGARETTEN & COMPANY INC. DATE OF ASSIGNMENT: RECORDING DATE: BOOK: 2547: JULY 21,1993 JULY 21, 1993 PAGE: 903 ASSIGNOR: CHEMICAL RESIDENTIAL MORTGAGE CORPORATION, A NEW JERSEY CORPORATION, FORMERLY KNOWN AS MARGARETTEN & COMPANY INe. .;. ASSIGNEE: ',BANK OF AMERICA DATE OF ASSIGNMENT: SEPTEMBER I, 1994 RECORDING DATE: FEBRUARY 12, 1996 BOOK: 513 PAGE: 660 7. The Mortgage is secured by property located at 318 STUMPSTOWN ROAD, MECHANICSBURG, PA 17055, which is more particularly described in the legal description attached hereto as Exhibit "C" and incorporated herein by reference. 8. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all a:s authorized by the Mortgage, due 09/01/00 and monthly thereafter are due . and have not been paic(whereby the whole balance of principal and all interest due thereon have become immediately due and payable forthwith together with late charges, escrow deficit (if any), and costs of collection including title search fees and reasonable attorney's fees. 2 ~o"O "--'~j~::M'd!;""; """"""~~, .... .~. ~ - I' ok _~.l ,~- -, ~- ~"6.~'~i(ljit;ff,~W:: 9. The following amounts are due on the Mortgage: Principal Bal~nce $102,956.31 8.00% ii::tierest from 08/01/00 to OCTOBER 9, 2001 at $22.88 per day $9,815.23 Accrued Late Charges $492.76 Escrow Advances made by Plaintiff $2,224.79 Corporate Advance Balance $75.00 Attorney's Fees $2.828.50 TOTAL AMOUNT DUE $118.392.59 Interest continues t~ accrue at the per diem rate of $22.88 for every day after OCTOBER 9, 200 I that the debt remains. unpaid.' 10. During the course of this litigation costs may continue to accrue, including but not limited to escrow advances, late charges, attorney's fees, etc. II. The original principal balance of the Mortgage is in excess of $50,000.00 and therefore, \ l' Notice ofIntention to Foreclose Mortgage, pursuant to Act 6, 41 P.S. {1403 is not applicable. 12. Pursuant to the notice provisions of Act 91, 35 P.S. {11680A03(c), notice was sent to Defendants, dated AUGUST 2, 200 L Copies ofthe notices to the defendants are attached as Exhibit "D". Defendants have failed to meet with the plaintiff or any of the consumer credit counseling agencies listed in the notice and/or haVE< furth~r failed to meet the time limitations specified in the notice and/or have been denied assistance from the Pennsylvania Housing Finance Agency. 13. Notice tlUr:Juant to the Fair Debt Collection Practices Act is attached as Exhibit "E". WHEREFORE, Plaintiffrespectfully requests this Court to enter judgment IN REM in favor of Plaintiff and against the within named property of the Defendants in the amount set forth in paragraph 9, together with interest ~ccruing after OCTOBER 9, 2001 to the date of Judgment, plus 6% legal rate of interest from date of Judgment to Final Sale, and Sheriff Sale costs, together with all costs of suit and any money hereafter expenqed by -the Plaintiff in payment of taxes, sewer and water rents, claims or charges for 3 -" --,. --....l......~ ,I, , I~ ,~_ ~ )~ '<- ~~;- . insurance orrepairs and any and all other advances hereafter made by the Plaintiff as stated in paragraph 10, pursuantto the rights and privileges granted under the tenus of the subject mortgage, and for foreclosure and sale of the Mortgaged property. SPEAR & HOFFMAN, PA DATE: A(Y~ 'BONNIE DAHL, ESQUIRE 4 - L.-_-1' , ~ '-j~I>i.\'-;",i, Exhibit "A" '" . ~~ - ~ ~ , ~ I 'Wi , '.... ,PREPARED BY' TINA FOULDS Y d3103.<..p .. '; , , PENNSYLVANIA V4Rw,.~"'(Ifomo"""'~ IlMaedlwnol9l5, u.ap. rionaI.5<<liDII IBIn r"l~n nS;c'k<:eptobl<:lnfo>tleror NalIana1Monpge""....l.otlon, RETU RN TO BANK UNITED UF TERAS FSB DBA COMMONWEALTH UNITED MTG 3461 M~RKET STREET CAMP HILL N1:UltTC~C~ ~,*.l \ b(j)b1 ., " ' THIs INDENTURE, made the 23 RD nine hundred and NINETY tWo A. ~RTIN , MARRIED .!!.1'UI....I.-.. -..... day of NOV EMBER in the year of our Lord one thousand ,BETWEBN JOSEPH E. MARTIN AND PATRICIA (hereinafter called Mortgagor) and NITED OF TERAS FSB organized and existing under the laws of UN I TED S TAT E S 3200 SOUTHWEST FREEWAY. #2000 rERA,S 17027 , and having HOUSTON WITNESSETH: That the Mortgagor to secure the payment of FIVE HUNDRED AND DO 100 . ONE HUNDRED TWELVE THOUSAND Dollars ($ "'.'112.500.00 ),with interest from date, at the rate of EIGHT AND 00000 1 0 0 0 0 0 per centum ( 8 . 000 %) per annum Qn the unpaid balance until pard, as provi4ed in a Note of even date herewith, from the Mortgagor to the Mortgagee, in monthly installments of EIGHT HUNDRED TWENT~ FIVE AND 49 100 Dollars ($ """.'**825.49 ), commencing on .the flfst day of JANUARY .1993 ,and continuing thereafter on the first day of each month until such debt is fully paid, eKCept that, if not sooner paid, , ., the final payment thereof shall he due and payable on the first day of DECEMBER ,2022 , and .!!!'b.1i:~l1€El afSbfBsecure the performance of all covenants, agreements and conditions herein contained, does by these eots grant, bargain, sell, assign, release, convey and c~:mfinn to the Mortgagee, ALL the following described real '1'i1~ pro rty situated in the TOWNSHIP,+.; of MONROE , 141:1 Coli yof /rJH/!/1/ / CUMBERLAND V iand:commOnWealth of Pennsylvaaia, to wit: r . .. ...J.. r . '0 '~mls WAN IS ^'OT AS"UM CJ APPRUVAL OF THE V;ir::~!l~jSABLE WITHOUT T'" CJ : ~ i (",'II~ AllMINJ~IR!.l' P.TTACHED LEG~L oEs~moAUTHamlED AG[~. ''--~~~;" ~\l. ..0 rA << J ,,,,";- I~'~ 0:: Cl >- :i 't$ ~ w r-.....)N, S .--" SEE - w Zo.-J...... ;~ 0 ;o;~E: N :.~;T~~:~ 1 ~.~ ~ r ~ \ ----p ':lC,;llJJ \-J..J OwOJ Q 0:: 0:;::'':: C" :.? ~...... <> 0"> THE WITHIN MORTGAGE 1S A FIRST PURCHASE MONEY MORTGAGE. THE CONSIDERATION FOR WH1CH CONSTITUTES A PART OF THE PURCHASE PRICE OF rHE ABOVE DESCRIBED PROPERTY. BEING THE SAME PREMISES CONVEYED TO THE MORTGAGORS BY DEED FROM OF EVEN DATE. TO BE RECORDED SIMULTANEOUSLY HEREWITH. TOGETHER with all and singular the buildings, improvements, and fixtures on said premises, as well as all additions or improvements nOw or hereafter made to said premises, streets, alleys, passages, ways, waters, water courses, rights. liberties, privileges, hereditaments, and appurtenances whatsoever thereunto belonging, or in any wise appertaining, and the reversions and remainders, rents, issues, and profits threof. and in addition thereto the following described household appliances, which are, and shall be deemed to be, fixtures and a part of the realty, and are a portion of the security for the indebtedness herein mentioned, namely, --',"" provided, however, that the Mortgagor shall be entitled to collect and retain the said rents, issues, and profits until default hereunder: TO HAVE AND 10 HOLD stl-id property, hereby granted, with the appurtenances, unto said Mortgagee to its own use forever: VMP A biiQi:1105 r~c[ 415 00923103 "0 ~" -'""'.i:ilnjb~'I;k,,~_ -"''''''''''''''''~~-''':oIIoliol~ ,~~ VMP2 00923103 ~ .. , ,. This Indenture is made, however, subject to the following cQVenants, conditions. agreements and stipulations and the Mortgagor covenants and agrees: ' . 1. That the ,,:!ortgagor. will promptly pay !he principal o.f and interest on the indebtednes; evidenced by the said ~ote. at the Urnes a~d I.n the manner therem provldeCi, with pnvdege reserved to prepay at any time, without premium or fee, the enUre Il!debted~ess or any part th~reof not less than the amount of one installment, or one hundred dolla" ($l()(l.OO), whIchever IS less. Prepayment In full shall be credited on the date received. Partial prepay- ment: other than on an mSlallment due date, need not be credited until the next foHawing installment due dale or ~lIty days after such prepayment, whichever is earlier. '2. To more fully. protect the se~urity of this ~ortga$~' the Mortgagor shan pay to the Mortgagee as trustee (und~r tJ:le terms ~f thIS trust. as h.erema~r stated) 1~ addition to ilfId concurrently with. each monthJy installment of prmclpal and mterest until said Note JS fully paid, the folJowmg sums: ' (a) A sum equal to the ground rents, If any, next due, plus the premiums that will next become due and payable on policies !Jf fire and other. hazard insurance, p.lus taxes, assessments. and sewer and water rents. next due on lhe pretnlses covered by thIS Mortgage (all as estimated by the Mortgagee and of which the Mortgagor is .notified) less aU sums already/aid therefo~ divided by the number of months 'to elapse before one month poor to the date when such groun rents, premIUms, taxes, assessments, and sewer and water rents. will become due, such sums to be held ijy Mortgagee in trust to pay said ground rents, premiums, taxes. assessments. and sewer and water rents. I ' , (b) T~e aggregate of the amounts payabk pursuant to subparagraph (a) and those payable on this debt shan be paId in a smgle payment each month, to be applied to the following ilems in the order stated: (I) g:round rents, taxes, assessments. seWer and water rents. fire and otber hazard insurance premiums' (II) JOterest on this debt; and !' . (III) amortization of the principal of thi~ debt. Any deficiency in the amount of any such aggregate: mo~thly payment shall constitute an evenl of default hereunder and under said Note, unless made good by Mortgagor prior to the,due date of the next such payment At Mortgagee's option, Mortgagor will pay a "late charge" not exceeding four per centum (4%) of any Installment when paid more than fifteen (5) days after the due date thereof to cover the extra expense involved in handlins delinquent payments, but such "late charge" shall not be payable out .of the proceeds of any sale made to satisfy the mdebtedness secured hereby, unless such proceeds of any sale made to satisfy the indebtedness secured hereby, unless such proceeds are sufficient to discharge the entire ind~btedness and all proper costs and expenses secured thereby. 3. If the total of the payments made by Mortgago'r, un~er (a) of paragraph 2 preceding, shall exceed the amount of payments actually made by Mortgagee as trustee for ground rents, taxes, assessments, sewer or water rents, or insurance premiums. as the case may be such excess shall be credited on subsequent payments to be made by Mortgagor for such items or, Mortgagee's option, as trustee, shall be refunded to Mortgagor. If, nowever, such monthly ~ments shall not be sufficient to pay such items when the same shall become due and payable, then Mortgagor shaIJ pay to Mortgagee as trustee any amount necessary to make up the deficiency within thirty (30) days after wrinen notice from Mortgagee stating the amount of the deficiency,!which notice may be given by mail. ]f at any time Mortgagor shaH tender to Mortgagee, in accordance with the provisions hereof. the full payment of the entire indebtedness represented hereby, Mortgagee, as trustee, shall in computing. the amount of such indebtedness, credit to the account of Mortgagor any credit balance remaining under the provlsions of (a) of paragraph 2. If there shall be a default under any of the provisions of the Note and this Mortgage securing the same, wnich results in a public sale of the premIses covered thereb\-', or if litle' to the property is otherWise acquired by the Mortgagee after the default, the Mortgagee, as trustee. snaIl apply, at the time of the commencement of such proceedings or at the time the property IS otherwise acquired bY the Mortgagee. the balance then remaining to the credit of Mortgagor under (a) of paragraph 2, as a credit on the interest accrued and unpaid. and the balance on the principal then remaining unpaid on the Note. 4. Mortgagor shall pay to Mortgagee all ground rents, taxes, assessments, sewer and water rents, and all other charges and claims assessed: or levied at any time by any lawful authority upon the premises covered by this Mortgage whicn. by any present or future law or laws, shall have priority in lien or payment to the debt represented by said Note and secured by Ihis Mortgage, and provision for ihe payment of which is not otherwise made herein, such payment to be made by Mortgagor within thirty (30) days after demand by Mortgagee. stating the amount. 5. The principal indebtedness hereby evidenced and secured represents money actually used for the acquisi- tion of or for improvements to the premises secured by said Mortgage. . 6. Mortgagor will continually maintain hazard insurance, of such type or types and amounts as the Mortgagee may from time to time require, on the improvements now or hereafter on said premises, and except when payment for all such premiums has theretofore been made under (a) of paragraph 2 hereof, will pay promptly when due - any premiums therefor. All insurance shall be carried in companies approved by Mortgagee and the policies and renewals thereof shall be held by Mortgagee and have attached thereto loss payable clauses in favor of and in form acceptable 10 Mortgagee. 'in event of loss, Mortgagor will give immediate notice by mail to Mortgagee, and Mortgagee may make proof ofloss if nol made promptly ~ Mortgagor. Each insurance company concerned is hereby authorized and directed to make payment for such foss duectly to Mortgagee instead of to Mortgagor and Mortgagee jointly. The insurance proceeds, or any part thereof, may be applied by Mortgagee at its option either to the reduction of the indebtedness or to the restoration or repair of tile prove:rty damaged. In the sole and absolute discretion of Mortgagee. in event of foreclosure of the Mortgage or transfer of title to the mortgaged property in partial or total extmguishment of the Note hereby secured, all right, title, and interest of Mortgagor in ana to any Insurance p?licies dien in force shall pass to the purchaser or grantee or shall be canceled and the cancellation proceeds, If any. retained by Mortgagee. Full power is hereby glven to Mortgagee to settle or compromise all claims under such policies and to demand, receive and receipt for all moneys becoming payable thereunder. 7. Mortgagor shall not execute or file of record any instrument which imposes a restriction upon the. sale or occupancy of the property herein described on the basis of race, ,color or creed. 8. Mortgagor win not suffer any Uen...superior to the lien created by this Mortgage to atl1t.ch to or to be en- forced against the premises covered by this Mortgage. Mortgagor shall not commit or permit waste; and shall main. lain the property m as good condition as al present, reasonable wear and tear excepted. Upon any failure so to maintain, Mort~agee, at lts option, may cause reasonable mai~tenanc~ work to be performed al the cost of Mortgagor. . . ,__,I "~ .-' :,.-'~, .-',,-;-' illd:Mlii:iltli:it&;:F; THE MORTGAGOR CQVSNANTS AND AGREES THAT SO LONG AS THIS MORTGAGE AND THE ~ . SAID NOTE SECURW HEREBY ARE GUARANTEEU UNDER THE PROVISIONS OF THE ". .~:~_ A/D; SERVICEMEN S REAUJUSTMSNT ACT OF 1944 HE WiLL NOT SXECUTE OR FILE FOR./ -"'\. RECO~D ANY INSTRUMENT WHICH IMPOSES A RESralCT ION UPON THE SALE. OR . ~/ j4,. "''''7 " OCC~PANCY, OF THE MORTGAGEO PROPERTY ON THS BASIS OF RACE COLOR. OR CR ~) UPON ANY VIOLATION OF THIS UNDERTAKING THE MORTGAGEE MAY. AT ITS O'~I N, , DE.gI,AR" THS UN.PAID .BALANCE OF TP' .'EBT SECURED HERSBY IMMEDIAnLY ~ A./ 11 -__.-~~~" ~, .'-;t ~"",,-- ilW~ ~~ . -'.~ b. t,. _" ~'"' t!lli;CL, .< VMP3 ) . 1.~23J% r~E TIILE SECRETARY OF VET....ANS AFFAIRS SHALL BE SUBSTLTUTE~ if~"'l'HAt"ZQ;F fADMINISTRATOR OF VETERANS AFFAIRS" EACH TIME THAT IT APPEARS IN~~r~ DOCUMENT PURSUANT TO ~BE PROVISIONS OF SECTION 2, PUB. L. NO. tdO 527 HE DEPARTMENT OF "VET.ERANS AFFAIRS ACT. : . , f fit 9. Mortgagee shall have the right to pay any ground rents, .taxes, ass~ssments sewer and ~ all other charges and. cl~i~s which Mortgagor has ,ag~ to pay under the tenns he~, to advance d PaY sums of money that m 1ts Judgment may be necessary, to perfect or preserve the title of the premises bY ' this Mortgage, or for insurance premiums or for any autfiorized maintenance work. Any amount or, amounts so paid or advanced shall be added to tbe principal deDt, shall bear interest at the rate provided for in the principal mdebtedness from the date of. pa)'ment or advance,. and sball be secured by this Mongage ratahly with said pnn- cipal debt and interest tI1ereon. Mortgagee, at its oPtion, .also shall be entided to be subrogated to any lien claim or demand paid by it, or discharged witb money advanced by it and secured by this Mortgage. The payments and advances so made shall be payable in approximately equal monthly 'payments extending aver such penods as ~ be agreed npon by tlt. Mongagor and Mongagee, but not beyond the due date of tlte final installment of tlte prin- cipaf debt. In event of faiJure to agree on date of maturity, the whole of the sum or sums so paid or advanced shall be due and payable tbiny (30) days after de"1and by Mortgagee. 10. The lien of this Mortgagee shall remain in 'full force and effect during postponement or eXlension of the time of payment of the indebtedness, or any part thereof, which it secures. 11. Upon the request of Mo~ee, Mortgagof shall execute and deliver a supplementaI'Nute or Notes fur the sum or sums advanced or paiab)r Mortga~ fdr the alteration, modernization or improvement of the mort- gaged property made at Mortgagor's request; and for maintenance of said property: or ground rents, llixes, assessments, sewer ana water rents, and air other charges and claim's' assessed or levied against said p~rty by R!1Y lawful authority, or 'for any other purpose elsewhere authorized hereunder. Said Note or Notes shall tie secUred by this Mortgage on a panty with and as fully as if the amounts stated in such Note or Notes were ~ of that stated in the Note hereby ,secured. Said supplemental Note or Notes $halJ bear interest at the rate provided for in the' principal m- debtci:1ness and shall be payable in approximately equal monthly payments for such period as may be agreed upon by Mortgagor and Mo~. In event of failure to:agree on date. of maturity, the whole of the sum or su.ms so advanced or paid shalloe aue and paydble tqirty (30) days after demand by Mortgagee; but in no event shall any such maturity or due date extend beyond the due date Of the final installment of the principal debt. 12. If the indebtedness secured hereby be guaranteed or insured under TItle 38, United States Code, such l1t1e and Regulations issued thereunder amf in effect on the date hereof shall govern the rights, duties and liabilities of the parties hereto, and ~ provisions of this or other instruments executed in connection with said indebtedness which are inconsistent with said TItle or Regulations are hereby amended to conform thereto. 13. If, at any time. a Writ of Execution (Money Judgment) or other execution is properly issued upon a judg. ment obtained uP9n said Note, or if an Action of Mortgage Foreclosure or any other appropriate achon or pf'O-o ceeding to foreclose a mortgage is instituted upon or under this Mortgage, an attorney's. commission of II V E per centum ( 5 . 00 %) of said principal debt shall be payable, and recovered in addition to all principal and interest and all other recoverable sums then due, together with costs of suit. . 14.~ .If any deficiency in the amount of any aggregate monthly payment mentioned in (b) of paragraph 2 shall not be made good by Mortgagor prior to the due-date of the next such payment, or if demult be made at any time in an)' of the covenants and agreements herein, or in the Note secured, then and in every such case, the whole prinCIpal debt shaH, at the option of Mortgagee, become due and payable immediately. Payment thereof and all mterest accrued thereon, willi an attorney's commission as hereinbefure mentioned, may be enforced and recovered at once, anything herein contained to the contrary notwithstand~ng. fn'the event of any breach of any covenant. condition, or agreement of said Note, or of this Mortgage, it shall be lawful for Mortga~ to enter upon all and singular the land, buildings, and other rights, corpore81 and incor~ poreal. granted by tius Mortgage, and to take possession of the same, and of the fixtures and equipment therein, and to have, hold. manage, lease to any person or persons, use and operate the same in such parcels and on such terms and for such periOds of time as Mortgagee may deem proper in its,sole discretion, Mortgagor agreeing that he shalJ and will, whenever requested by Mortgagee so to do, assign, transfer, and deliver unto Mortgagee any lease or sublease; and to coUeet and receive aU rents, issues, and profits of said mortgaged premises and every part thereof; for all of which said Note shall be a sufficient warrant whether or not such lease or sublease has been assigned; and to make from time to time all reasonable alterations, renovations. repairs, and replacements thereto. After deducting the cost of such alterations, renovations, repairs, replacements, and the ex~nses incident to taking and retaining possession of the rnort~aged pro~rty, tbe management and ope:ration thereOf, and to keep- ing the same properly insured, to apply any resIdue of such rents, issues, and profits to the payment of (a) aU ground rents, taxes, charges, claims, assessments, sewer and water rents, and any other liens that may be prior m lien or payment to the debt secured by this Mortgage, with interest thereon, (b) premiums for said insurance, with interest thereon, (c) the interest and principal due ana secured by this Mortgage with all costs and attoroey's fees; in such order or priority as Mortgagee may determine, any statute, law, custom, or use to the contrary notwithstanding. The taking of possession of the mortgaged premises by Mortgagee, as herein provided. shall not relieve any default by Mortgagor, or ,prevent the enforcement of any of the remci1ies provided by said Note or this Mortgage. . The remedies provided,by said Note and this Mortgage or any other indebtedness therein provided or secured by this Mo~age, and for the performance of the covenants, condidons, and agreements of said Note or this Mortgage are cumulative and concurrent, and may be pursued singly,' or successively, or together, at the sole discretion of Mortgagee, and may be exercised as often as occasion therefor shall occur. . PROVIDED, that in case default shall be made in. theJ'ayment of any installment of principal and interest, or any other payment hereinabove or in the conditions of sai recited Note provided for, or in tile ~ng and perfor- mance by the Mortgagor of any covenant or agreement contained therein or in this Mortgage to be bY S81d Mortga~r kept and perfonned, In the manner and at the time specified: for the perfonnance thereof, such default will enutle Mortsagee forthwith to bring and sue out an Action of Mortgage FOreclosure upon this Indenture of Mongage, or to Institute any other appropriate action or proceep.ing to foreclose a mortgage, and -to proceed thereon to judg- ment and execution, for recovery of said principal debt or sums and all interest thereon and all other sums hereby . if .... ... ~ 1\ , , , --... . . " :nzr.g 'T~E MORTGAGOR COVENANTS AND AGREES T~AT SHOULD THIS MORTGAGE OR T~~~-.~~ SECURED HEREBY NOT BE ELIGIBLE FOR GUARANTY OR INSURANCE UNOER THW 9ff SERVICEMEN'S READJUSTMENT ACT WITHIN 90 DA1S FROM THE DATE HEREOF~WR N STATEMENT OF ANY OFFICER OR AUTHORIZED AGENT OF THE VETERANS ADMINISTRATION DECLINING TO GUARANTEE OR INSURE SA~D NOTE AND_OR IS . MORTGAGE BEING DEEMED CONCLUSIVE PROOF Of SUCH INELIGIBILITY), THE 1l.r..sE'll'T HOLDER OF THE NOTE SECURED HEREBY OR ANY SUBSEQUENT ~OLDER THEREOF MAY, AT ITS OPTION, DECLARE ALL NOTES SECURED HEREBY IMMEDIATELY DUE AND PAYABLE,' ""lillillllUWRI!ii.....". _.j ~ "'"'. ~~" ~ 1,1 - .."",,~~L '_0 ~ '" -, ~ ' - VMP4 00923103 secured. together with an attorney's commission for collection, as aforesaid. and costs and exRCnses of such pro- ceeding, ana to pursue any and all other appropriate or equitable remedies in such cases provided without further stay of execution or other process, any law, usage, or custom to the contrary notwithstandmg. Mortgagor expressly waives and relinquishes all benefit that may accrue py v~rtue of any and every law made or to be made exempting the mortgaged premises or any other premises or J?roperty whatever, real or personal, from attachment, levy, or sale under execution, or any part of the proceeds arising from any sale thereof, and all benefit of any stay of execu- tion, or any part of the proceeds arising from any sale thereof, and an benefit of any stay of execution or other process. Mortgagor hereby waives al1d relinquishes;unto and in favor of the Mortgagee, an benefit under all laws now in effect '.or hereafter passed to relieve the Mortgagor in any manner from the obligati.ons assumed in the Note for,. wh!~h,.thi~,l1\P~!1ture 1S seC(~rity. : : , Bu-r"PROvtDED "ALWAYS, nevertheless, that if;said Mortgagor shall pay .or cause to be paid unto the said Mortgagee, {J1f~ .aforesaid debt secured by this Mortga~f when and in the manner hereinbefore mentioned and appqinted forI payment of the same, together with interest and all other sums hereby secured, then and from thenceforth, thi~ Indenture, and the estate hereby granted, as Well as said recited Note, shaH cease, determine. and become void, anything hereinbefore or in said Note contained to the contrary notwithstanding. ' I If this Mortgage is executed by mO~ than one pe~on ~ Mortga~r, the liability of each-shall be joint and several. . , . The covenants, conditions. and provisions con'tained in said Note, or in this Mortgage, shall bind, and the benefits and advantages thereof shall mure to, the respective heirs, executors, administrators, successors, vendees, and assigns of the parties hereto or thereto; and whenever used in said Note or in this Mortgage, the singular number shall include the plural, the plural the singular, the:use of any gender shall be applicable to all genders, and the term "Mortgagee' shall include any payee of the inde,btedness represented by said Note, or secured by this M.ortgage, or ~ny transferee thereof, whether by operation of.law or otherwise. [IN WITNESS WHEREOF. Mortgagor hereunto s~ts his hand and seal. Dated the day and year first hereinabove wntten. SIGNED, SEALED AND DELIVERED , l.ft THE PRESENCE OF: ,;:: Y/CLLuu..v./LJ;tCL,WaJ.cJ! ..'""" ao..:UJ L~ ~.r~~.p",p J~ E. MAJgIN . . d~g.W~p ... (SEAL) .. (SEAL) PATRICIA A. MARTIN . PP. P P P (SEAL) ...... ....... .......... ........ (SEAL) CERTIFICATE OF RESIDENCE , do hereby certify that the ..3% / Yr(0fl..JIu1.11. ;f!.amp .Jh.1LPw !IJ{)// I, correct addrllllt"'f lliel\\liOOrl.illfuied Mortgagee is Witness my hand this c2J li:L day of , 19 . NOV EMljfR 92.0 ^ .. ..J . ... .I.,J,..,.Lw1J1.J)...d..I.VJJ.1J)..J..a~ AgnrtofMongagn COMMONWEALTH OF PENNSYLVANIA COUNTY OF (CL/lYJ...uJLl.cu..t1:' On this c93 Nl-. day of ,A.D., 19 N 0 ~W/h~ above-named aIld aMlIW1e1lged till:A&lMll~ndenture of Mortgage to be to be recorded. as such. WITNESS my ha an sea, n year aD ~s.SU>J<I~P\.llICl :~~'E>q;"'Nov.~ ~ 01' THEIR esaid; 7; . ."~J,,. My commission e~pi= .1 . ~ '"" ':.' "'''~~'''''"it'''i",'' '" ~" '. - T;r-'''''''''''''''-'''''=~,' . . " . . VA l\SSUMP'l'ION RIDER THIS LOAN IS NOT ASSUMABLE WITHOUT THE APPROVAL OF THE 'VETERANS ADMINISTRATION OR ITS AUTHORIZED AGENT. THIS RIDER to the Security Instnlment is made this 23RD day of NOVEMBER , 19 92 ,and is incorporated into and shall be deerrec1 to amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security Instrurrent") of the same date, given by the undersigne:i (the "Bol."1:"CWer:tI) .to 'secure Borrcwerl s Note to BANK UNITED OF TEXAS FSB (the "Lender") of the same dete and covering the Property described in the Security Instnlment to which this Rider is attached. The Security Inst.run'ent to which this Rider is attached shall be an-ended by adding thereto the fOll.cMinq described paragraphs: "This loan is :imnediately due and payable upon transfer of the property securinq such 1\lllI1 to any transferee, unless the acceptability of the, assunption of the loan is established pursuant to section IB17A of Chapter 37, Title 38, 'United States Code. A fee equal to one-half of lpen::ent of the balance of this loan as of the date of transfer of the property shall be payable at the tiJne of transfer to the loan holder or its authorized agent, as trustee for the lldministrator of Veterans Affairs. If the as!:1llOOr fails to pay this fee .at the time of transfer, the fee shall constitute an additional debt to that already secured by this instl:'\llleflt, shall bear interest at the rate herein provided, and, at the option, of the payee of the irdebte:lness hereby secured or any tranferee thereof, shall be imnediately due and payable. This fee is aui:matically waiVed if the asStJlt"l3r is . exenpt under the provisions of, 38 U.S.C. 1829 (b) . , Upon application for appi:oval to allow assumption of this loan, a processing fee may be' charged by the 10m1 holder or its authorized agent for detetmihing the creditworthiness of the assUller and subsequently revising the holder's ownership records when an approved transfer, i~ CCl1pleted. The an-ount of this charge shall not exceed the miudmum established by the Veterans lldministration for a loan 1:0 Which Section lB17A of Chapter 37, Title 3B, United States Code applieS. \ i If this' obligation is asSUll"<!d, then the asSUIter. hereby agrees to asSUIre all of thE! obligations of the veteran under the tems . of the inst.run'ent~ creating. and secu~inq the loan, inlcuding the obligation of!. thli veteran to ~.ndemnify the Veterans lIdrninistration to the extent of any claim peyrrel\t arising fran the guaranty or insurance :of i the indebtedness created by this instrument. IIi! I , BY SIGNING BEU::m, Borrower! accepts and agrees to the tetlllS and provisions contained in this Rider to the Security Instrum:mt. I . ~~.14~-. JQSEP1\ E MARTIN .Jzj?;i/Lt!~:i;, PATRICIA A MARTIN _ U uS :rACtt~{j VA IISSUMPI'IDN RIDER =, LP 7B305 13/BB) - '"'_o.,~~_.~ "= ~ i-- ,I.' . Exhibit "B" ''''---.!!!!l'i~i'" r;!.i ~ir<I"'~ "-' - ~~ y~ - .- .... ............ ,,< -~~ '_"''Il''''''''''"^ V l~ I.' ./1. L \ f) .00923103 "l'lIE TITLE'SECRETAR1 ~VF 'IANS AFFAIRS SlIALL B~UBSTITUTl lOR TlIA.! ,(IF ~ADMINISTRATOR OF VETERANS ~FFAIRS EACH TIME THAT IT APPEARS IN hHtsd fo'i'l!.T'll DOCUMENT PURSUANT TO, THE.PROnSIONS,"OE SECTION 2, PUB. L. NO. IOO@.S!lE DEPARTMENT OF VETERANS AFFAIRS ACT. VA Flinn 26-633fis {NlIme Ulan) PENNSY :VANIA Revised Man:h 197& Use Op. ~ lionalSeclionl8lO.TIdeJ8. U.S.c. Ac:~ptllble 10 Feder;lI J'/8- ",""M.n"""'~;"i," MORTGAGE NOTE ~ ' II 0[,0 Y i CaMP HILL , Pennsylvania. $ *****112,500.00 FOR V AWE RECEIVED, the undersigned, ."",MA":RRIED NOVEMBER 23 ,19 92 JOSEPH E. MaRTIN aND PaTRICIa a. MARTIN SANK UNITED OF TEXAS FSB :nrn organized and existing under the laws of the U NIT E D S TAT E S , or order hereinafter designated as the Payee, the principal sum of ONE HUNDRED TWELVE TRO aND FIVE RUNDRED AND 00.100 Dollars ($ ***112,500.00 ) with ~n.t~ t from date at the rate of" EIGHT AND .000001l1100000 ~r centum ( * 8 . 000, %) per annum on the ,unpaid balance until paid. The said principal and interest shall be payable at the office of- BANK UNITED OF TEXAS FSB , hereinafter called the Maker, promises to pay to HOUSTON, TEXaS 17027 at 3200 SOUTR\1EST FREE\1a~, #2000 or such place as the holder may designate in writing in monthly installments of EIGHT HUNDRED T\1ENT~ FIVE AND 49"100 Dollars ($ *******825.49), commencing on the first day of JANUARY ,19 93 ,and on the first day of each month thereafter until the principal and interest are fuUy paid, except that the final payment of the entire indebtedness evidenced hereby, if not sooner paid, shall be due and payable on the flrst day of DECEMBER) 2022. Privilege is reserved to prepay at any time, without premium or fee, the entire indebtedness or any part thereof not less than the amount of one installment, or One Hund~ D,ollars ($100.00), whichever is less. Prepayment in full ,hall be credited on the date received. Partil{Jl!fep1qIn~\\t-/llllber than on an installment due date, need not be credited until the next following installment due date . days after such prepayment, whichever is earlier. Simultaneously with the execution of this Note t Maker ha xecuted and delivered to the Payee a Mortgage secured upon certain premises situated in the Count of t~t~l , Commonwealth of PennSYlvania, more particularly described in the ort ge, AU e terms, covenants, provisions, conditions, stipulations and agreements contained in said Mortg e to' be ke and performed by the Maker are hereby made a part of this Note to the same extent and with the s~.. nd effect as if they were fully set farth herein, and the Maker covenants and agrees to perfarm the same; .or cause the same t.o be kept and performed, strictly in accordance with the terms and provisions thereof.' ' The whole of the principal sum or any part thereof, and,.of any ether sums of money secured by the Mortgage given to secure this Note, shall, forthwith, at the .option .of the Payee .or any subsequent halder thereof, became due and payable immediately, without netice or demand, if default be made in any payment under this Note, and if the default is nat made good prior t.o the due date or th~ next such installment; .or upon the happening .of any default which, by the terms .of the Mortgage given ta secure this Nole, shall entitle the Payee, or any subsequent holder hereof, ta declare the same, .or any part the~f, t~ be due and payable. The Maker daes hereby empower any attorney .of any ,caurt of record within the United States or elsewhere to appear for Maker, with or without a declaration filed, a~d confess judgment or judgments against said Maker in favor of the Payee .or any subsequent halder hereof, as of' any term; far the entire unpaid principal of this Note, and all other sums paid by the holder hereof to or on :behalf of the Maker pursuant to the terms of this Note or said Mortgage, and aU arrearages of interest thereon, 'together with costs of suit, aUorney's commission of 5 . 0000 % for collection, and a release .of all eOOrs, on which judgment execution or executions may issue furthwith. The Maker hereby waives the right of inquisition on all property levied upon to collect the indebtedness evidenced hereby and does voluntarily condemn the same and authorizes the prothanotary te enter such condemna- tion, and waives and releases all laws, now in force .or',hereafter enacted, relating to ex.emption~ appraisement or stay of execution., I \ . The agreements herein contained shall bind, and the be*efits and advantages shall inure to, the respective suc~ cessors and assigns of the parties hereto. Wherever usep., the singular number shall include the plural, the plural the singular, and the use of any gender shaH be appliCable" to aU genders. IN WLTNESS WHEREOF, the Maker has caused these, presents to be executed under seal the day and year first above written. Signed, Seaied and D.eliV. e.red .' \ '. \i'.l.Y-\'\lWj.~ \\\t ~. C' ./."-L'..... !on the Presence of: ..,ni'\'\,\\~",.n.\\ 'Hi, ,{",,, ~\\ __ c:/~~ nq~ \~ \'~~ l'.'i'.":':\\~,I,\\~\~\lI' JU)jE,PR E. MA21~....t \\\\'11;, \lJJ\" ,).: i'I "'~1',.\ ~'--", IfIMUil tr // Itlpft/?l. \ \\\~ ' .. ii" \,"~}-' r.. " !X\I~\ '0\; I,. ". '''. ,"\ 1'::,',',.,\,- PaTRolCl'l>. a. Mal\TIN rnf)~, IU l '\!~ . ,...",' ,; .'11, ,~,~,I",\ M\ c',:v ~ " .- ~,~..', ,,~.' ...:, \ ') , . 0'1 . ",I &~~FI ..Ij~) tl,-,f1~ in (SEAL) (SEAL) (SEAL) (SEAL) THIS Is To CaRTI on real estate situate' 1 f'jln V.PlotMillllllllRLAND ':"""rsc_~~p""" H.npden Twp" CuIrl>e<Ia"<l Coonlv ~,!.\.?-,r11rrJi...nn F-Xl-ires Nov. 30, 1~ and secured by Mortgage of even date herewith secured County, Commonwealth of Pennsylvania. WAU)) I I ) I' /lTii ,1 j/;,.." I.' p{ , -- (ij ,,-, ~~~.' , . Oy. _Dee 0, I9Q2 ~ trr.I7Iotn' llECOURSE PAl" fir TilE. 6Rbij' 01': ~ tUW;. '.&ST. '~'leE PR[510~", ,."""', rr RECOURSE TO THE ORDER~; PAY...mvv' ). .', / I' /" I" .} . . ":~'\0L--1.-.kt jJ~--"'j:5 o Ct-.:b-. .. /INK OF AMERICA, FS .- . , /. , """"J .,~ ',.~.tM~Ai' k>';;j,;l;.;",.j, " .' Exhibit "e" 111 "II" '" c.;.'''';;<O''''-~~':l " ,1 ''-.. ,.: .. '~, ALL tHA7 CERTAIN tract of land situate in the Township of Monroe, 'County of Cumberland and.State of Pennsylvania, being more particularly bounded and described as follows, to.wit: BEGDlNING at a, steel pin set on the westernmost '.dedicated right-of~wai~'liii.e..,. of the Stumpstown Road (T-570), said pin marking the common point o~.adjoiner ~f Lots Nos. 16 'and 17 on the hereinafter mentioned Plan of Subdivision; - thence departing from the Stumpstown Road right-of-way' and extending along Lot No. 17, South 67 degrees 18 minutes 28 seconds West, for a distance of 280.00' feet to a steel pin; thence extending along Lots Nos. 17, 18 and 19. South 21 degrees 36 minutes 51 seconds East for' a distance of 320.00 feet to a steel pin at a fence line at lands now or formerly of Magara; thence extending along lands now or formerly of .Magara, South 67 degrees 18 Ddnute~ 28 seconds West, for a distance of 205.00 feet to a steel pin at Lot No.. 15 on the hereinafter m~ntioned Plan of Subdivision; thence extending along . Lot No. 15 the following three courses and distances: North 04 degrees 29 minutes 33 seconds West, for a distance of 420.00 feet to a steel pln; thence. continuing ,North 45 degrees 27 minutes 41'seconds East, for a distance of 110.00 feet' to a steel pin; thence cODtinu:t:ng North 67 degi~es 18 minutes 28 seconds East, for a distance of 260.00 feet .to a, steel pin",set on the westernmost dedicated right-of-waywline of the ,Stumpstown Road; thence extending in and alanB the westernmost dedicated right-af-way line of the Stumpstown Road, South 21 degrees 36 min~tes 51 seconds .East for a distance of 120.00 feet to a steel pin on said dedicated .right-of-way line at Lot No. 17 bn the hereinafter mentioned Plan of Subdivision. said pin marking the place of BEGINNINGa CONZAIBING 2.111 acres, and being designated a~ Lot No. 16 on a Final Plan of Subdivision of Monroe Meadows, prepared for Kimba, Inc., by Statler and Lahr,'Registered Engineers, dated November'24. 1986, and recorded in the Office of the Recorder of Deeds in and for Cumberland County, Penns:(lvania, in Plan Boo~ 53, at Page 34. BEING THE SAME PREMISES which Kimba, Inc., a Corporation by Deed dated November 7, 1987 and recorded in Cumberland COunty Deed Book B, Volume 33, Page 175, gcanted and conveyed unto Joseph E. Martin and Patcicia A. Martin, his wife. ~ . ,... ."... ll~~~f';~ , . ,-,.' St'-~" of Ptlnn~y\Yania 1 5S ':.. \' ; ,..ocy'" cumtjerland . d' g of Deeds .- ' ,;: _j in the office for the r~cor In , . .' ,~;,d lor Cumoorlond counX' ~~ ...~LO<J~I=-Vol ,--::po'l" " ",n .~"nWh~,IJ.d.~~IOf~q~~ , ,",I,,;, fl'J'1il."" djiY ~ Recorder hood/OS \',\r,i11 9 ; _.__.~, IJ "~ I c_ '~-,~; -"'J:-i,k,.wi '> Exhibit "D" 'S " =.:= ~ '!:: = >="::l ~~~ 5js ~~~ ~.- ~ E ~ :€6.Sl o;><~ ~:::!-:: ;..5,g e;.-a.~ ;; ~ :: j]~ 6 .s-5 ~..S;! ~ -"'. ..: : ;: ~ E,Q~ ~ ~ $''5.:.: 5 = co .8 ~-; .5 ;; 1= - ~ Q< oi :: .S~ = '; ;.. ~ = E . = ~ s-8.:: .::...;., .5 ~ E ~u~ 8 t :: II> I: ;;: o = ~ ~g~ ~ug ~5u o o N N . 5b = < 00 QO ::::~ -z OU ~< I:.,z< ~~:E~O~O V1Zj<~tIl= ~8~~~i~ u,.Ji::c,:l~<c:: fZ,t:z:1z~=f;;il~ <~~u~CQ rI;lQ~ z<...:! ...z<z=-~~ ?:;j...Ul<!::'" -'-"0:-< -<i~eG:t~S uo~z- Q zuz...~><~ <O...~..:lUtl:l ~ZZ<=~:.. =_Or:.il~"< Orl;lut.J'.:lg..J ~ . uz,.J~1;;;1 :e<;:l<f;;;;'l.~Q _rI.lQz~,,:,< <<~-j;;iI~Cf.l :;u ~tr.I!'{.l< ;::It;:l r,.')VJC:::u ","'<!:i""" ...zzr/;l~Zr.t.:l Q~~5~5~ ~Q<::X::=--~> o~~<<~~ f-t"'~z:seCl) Z>E- ....~.... 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II) 9 &! ~ r-:..o ~~ e... ~._ "0 :E 0"0 II) ;:l~1ij-s <I:l...~... ~.,gg.5 _. . ,'. .~ 'U _L.~1o,". ... '~~'h .m:::'~, Exhibit "E" ., 'l: ~ I '"' , ~ I _ _" , ~' c, , jli&..W~J' . . NOTICE REQUJRED BY THE FAIR DEBT COLLECTION PRACTICES ACT. (the Act) IS U.S.C. SECTION 1601 AS AMENDED I. This law'iirin may be deemed a "debt collector" under the Fair Debt Collection Practices Act. Any and all information obtained during the prosecution of this lawsuit may be used for the purpose of collecting the debt. 2. The amount of the debt is stated in paragraph 9 of the Complaint. 3. The Plaintiff as named in the Complaint is the creditor to whom the debt is owed, or is servicing agent for the creditor to whom the debt is owed. The undersigned attorney represents the interests of the Plaintiff. 4. The debt described in the Complaint, evidenced by the copy of the mortgage note attached hereto, will be assumed to be valid by the creditor's law firm unless the debtor, within thirty (30) days after the receipt of this notice, disputes in writing the validity of the debt or some portion thereof. 5. If the debtor notifies the creditor's law firm in writing within thirty (30) days of the receipt of this not\ce that the debt or any portion thereof is disputed, the creditor's law firm will obtain a verification of the debt and a copy of the verification will be mailed to the debtor by the creditor's law firm. 6. If the ereditornamed as Plaintiff in the Complaint is not the original creditor, and if the debtor makes a writtel) request to the creditor's law firm within the thirty (30) days from the receipt of this notice,thf" name .and address of the original creditor will be mailed to the debtor by the creditor's law firm. 7. Writt~n requests should be addressed to Spear & Hoffman, P.A., 1020 North Kings Highway, Suite 210, Cherry Hill, NJ 08034. " . ,~ "/ .'-.', (." ';'~'j ....~""".'~"."~,,'''''' ,~ . ~' ~ .~ - - ~ ,~'~.~ '~"~"""" "'-.'" ."^""'~ ", u''''~'~ "--""""",",,~ -"'_'..._" ,.., """,,,,,,,.,.,\., ,,_,.-,_ ~"'""'i-""",,,,,-_"~" ~ ,,,, ""'h" '" ,.. ~"~. -. ~.,~~; OFfICE OF THE SHERiff OUMBFRLAND cOllNTY Hov 14 9 21 AM '01 C.6.~{.LI'jLE PENNSYLVANIA ~~'C&'~~ .t.,,,,,""" ~ _,~" ~, J ',,, " ,,~.,JilI~Rl\l!'l !l'<!~~~, .,..,.i1W~"""''*-~~1tJ''''~"l~I'"'''''~'"-'iI-;;;ewii'-t''!}:!cij\i1'';;\ 't~'C%:\~"'iM!"t"'ffel'.w.!\'~'!"'W,lffo'l',,>tiC4i;~f.':"?-~""!!'>"l~jf~~~' - " <' ........" """"~" "'-"'he", ' ;"'~"~"'" . 1 Spear & Hoffman, P..A. ' BY: BONNIE DAHL, ESQUIRE Attorney LD. No. 79294 1020 North Kings Highway, Suite 210 Cherry Hill, New Jersey 08034 (856) 755-1560, Attorney for Plaintiff, Loan No. : 0001106087 COpy ~ BANK OF AMERICA, NA 475 CROSSPOINT PARKWAY P.O. BOX 9000 GETZVILLE, NY 14068-9000 PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. Ol - 1c.3J>O (?t",~C 1'iIUJ vs. JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN 318 STUMPSTOWN ROAD MECHANICSBURG,.PA 17055 DEFENDANTS COMPLAINT - CIVIL ACTION COMPLAINT IN MORTGAGE FORECLOSURE .:..~, NOTICE You have been sued:'in court If you wish to defend against the claims set forth in the following pages, you must take action within twentY (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in -writing with the court your defenses or objections to the claims s~t forth ag~inst you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered ag(linst you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU'CAN GET LEGAL HELP. CuMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17103 (717) 249-3166 . . ~ TRUE COpy FROM RECORD III Testimony whereof, I here lInto set my hand and the of said COli 'at Carlisle. Pa. Th da of ,,' "=- ~ .-. I, J,_" """ ~ L._" . ",;"""" 1'i"'-ii'~~ , ,. A VISO " Le han demandado a usted en.: la corte. Si usted qui ere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene yeinte (20) dias de plazo a partir de la fecha de 1a demanda y la notificacion. Race falta asentar una cO)1)p;rrencia escrita 0 en persona 0 con un abogado y entregar a la corte en forma escritasus defensas 0 sus objedones alas demandadas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso 0 notificacion. Ademas, la c;)rte puede decidir a favor del demandato y requiere que usted clImpla con todas las provisiones de esta demal1da. Usted puede perder dinero 0 sus propiedades 0 otros dereches importantes para usted. LLEVEESTADEMANDAA UN ABOGADOINMEDIATAMENTE, SINO TIENEABOGADO 0 SINO 'IlENE EL DINERO SUFIClEN'IE DE P AGAR TAL SERVICIO, V A Y A EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUIR ASIS'IENCIAL LEGAL. . CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17103 (717) 249-3166 i " " l~ """~ J.l. ~ "- '-" ,', ,'~ '"-'~lii'~' , , , Spear & Hoffman, P.A. BY: BONNIE DAHL, ESQUIRE Attorney LD. No. 79294 1020 North Kings Highway, Suite 210 Cherry Hill, New Jersey Q8034 (856) 755-1560, Attorney for Plaintiff, Loan No. : 0001106087 BANK OF AMERICA,NA 475 CROSSPOINT PARKWAY P.O. BOX 9000 GETZVILLE, NY 14Q68'9006 PLAJNJ'IFF, . COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. VB. JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN ; 318 STUMPSTOWNROAD'; MECHANICSBURG, PA 17055 DEFENDANTS .; COMPLAINT IN MORTGAGE FORECLOSURE I. Plaintiff is BANK OF AMERICA, NA, with its p~ncipal place of business located at 475 CROSSPOINT PARKWAY, PD. BOX 9000, GETZVILLE, NY 14068-9000. 2. The names and last known addresses of the Defendants are: JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN, 318 STUMPSTOWNROAD, MECHANICSBURG, PA 17055. 3. Thdnterest of each individual Defendant is as mortgagor, real owner of the real property subject to the mortgage described below, or both. 4. On or about NOVEMBER 23, 1992, Mortgagors made, executed and delivered a Mortgage upon the premises hereinafter described to BANK UNITED OF TEXAS FSB, which Mortgage is recorded as follows: Office of the Recorder of Deeds in and for CUMBERLAND COUNTY DATE OF MORTGAGE: NOVEMBER 23, 1992 DATE RECORDED: DECEMBER 2, 1992 BOOK: 1105 PAGE: 415 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. 1019(g). A true and correct copy .of said Mortgage is attached hereto as Exhibit "A" and incorporated herein by reference. 1 , -'"",""""""",- " _.' I~_I', ". .L_ . ., -~ , - ;", ;, 't~l '1,8Wc . ~ 5. On or about NOVEMBER 23, 1992, in consideration of their indebtedness to BANK UNITED OF TEXAS FSB,JOSEPHEDW ARD MARTIN AND P A TRICIAANNMARTIN made, executed and delivered to BANK UNITED OF TEXAS FSB their promissory Note in the original principal amount of$112,500.00. A copy of said Note is attached hereto as Exhibit "B" and incorporated herein by reference. The Note is referenced herein only insofar as the terms of the Note are incorporated into the Mortgage. 6. Plaintiffis the legal holder of the Mortgage by virtue of being either the original Mortgagee, the legal successor in interest to the original Mortgagee, or the present holder of the Mortgage by virtue of the following assignments: ASSIGNOR:' BANK UNITED OF TEXAS FSB ASSIGNEE: CHEMICAL RESIDENTIAL MORTGAGE CORPORATION, A NEW JERSEY CORPORATION, FORMERLY KNOWN AS MARGARETTEN & COMPANY INe. DATE OF ASSIGNMENT: RECORDING DATE: BOOK: 2547. JULY 21, 1993 JULY 21, 1993 PAGE: 903 ASSIGNOR: CHEMICAL RESIDENTIAL MORTGAGE CORPORATION, A NEW JERSEY CORPORATION, FORMERLY KNOWN AS MARGARETTEN & COMPANY INe. .;. ASSIGNEE: '.'BANK OF AMERICA DATE OF ASSIGNMENT: SEPTEMBER 1, 1994 RECORDING DATE: FEBRUARY 12, 1996 BOOK: 513 PAGE: 660 7. The Mortgage is secured by property located at 318 STUMPSTOWN ROAD, MECHANICSBURG, P A 17055, which is more particularly described in the legal description attached hereto as Exhibit "C" and incorporated herein by reference. 8. The Mortgage is in default because the monthly installments of principal and interest and other charges stated be~ow, all a:s authorized by the Mortgage, due 09/01100 and monthly thereafter are due and have not been pai((; whereby tile whole balance of principal and an interest due thereon have become immediately due and payable forthwith together with late charges, escrow deficit (if any), and costs of collection including title search fees and reasonable attorney's fees. 2 '"*' M.... ~ 4 .~ ~.. . IL "4.L- ,. . ,,'- 'i ~"'--'~ ~9ll'lfd,'-i<,:; . 9. The following amounts are due on the Mortgage: Principal Bal~nce $102,956.31 ".. 8.00% interest from 08/01/00 to OCTOBEfl 9, 2001 at $22.88 per day $9,815.23 Accrued Late Charges $492.76 Escrow Advances made by Plaintiff $2,224.79 Corporate Advance Balance $75.00 Attorney's Fees $2,828,50 TOTAL AMOUNT DUE $118.392.59 Interest continues t~ accrue at the per diem rate of $22.88 for every day after OCTOBER 9,2001 that the debt remains. unpaid. .. 10. During the course of this litigation costs may continue to accrue, including but not limited to escrow advances, late charges, attorney's fees, etc. II. The original principal balance of the Mortgage is in excess of $50,000.00 and therefore, \ " Notice oflntention to Foreclose Mortgage, pursuant to Act 6, 41 P.S. S403 is not applicable. 12. Pursuant to the notice provisions of Act 91, 35 P.S. SI680A03(c), notice was sent to Defendants, dated AUGUST 2, 2001. Copies of the notices to the defendants are attached as Exhibit "D". Defendants have failed to meet with the plaintiff or any of the consumer credit counseling agencies listed in the notice and/or hav~ furth~t failed to meet the time limitations specified in the notice and/or have been denied assistance from the Pennsylvania Housing Finance Agency. 13. Notice'pursuant to the Fair Debt Collection Practices Act is attached as Exhibit "E". WHEREFORE, Plaintiff respectfully requests this Court to enter judgment IN REM in favor of Plaintiff and against the within named property of the Defendants in the amount set forth in paragraph 9, together with interest ~ccruing after OCTOBER 9, 2001 to the date of Judgment, plus 6% legal rate of interest from date of Judgment to Final Sale, and Sheriff Sale costs, together with all costs of suit and any money hereafter expended by'the Plaintiff in payment of taxes, sewer and water rents, claims or charges for 3 f~~ ~~ " ~" .'"'. , ',r, ." 'i;;~*i", insurance orrepairs and any and all other advances hereafter made by the Plaintiff as stated in paragraph 10, pursuant to the rights and privileges granted under the terms of the subject mortgage, and for foreclosure and sale of the Mortgaged property. SPEAR & HOFFMAN, PA DATE: .. A(Y~ 'BONNIE DAHL, ESQUIRE 4 , "'~"' '1,' J ,'- r , , -~ . Exhibit "A" ~'~(jj;d!J"" "" -- ',' - I...~"-' '~~PREPAREO BY' TINA FOULDS L1 -;;>3103. '-.p Yitofllml~m.n.Loaa) 1lo!.I&od.hl..rm.t1..Op- .m.!.s.aIonI8IO.Tltle3ll US,C, krepmble lp Il!OeBI NIJIonalMonpse........latIon, RETURN TO BANK UNITED OF TEXAS FSB DBA COMMONWEALTH UNITED MTG 3461 MARKET STREET CI\MP HILL N1r1ltTG.A:CE lr~.l \ blcLlb1 PENNSYLVANtA .> , ' THIS INDENTURE. made the 23 RD nine hundred and NINETY TWO A. ~RTIN , MARRIED ./H~~,"\'-'" -....... day nf NO V E M B ERin the year nf our Lord one thnusand ,BETWBEN JOSEPH E. MARTIN AND PATRICIA (hereinafter called Mongagor) and NITED OF TEXAS FSB organized and existing under the laws of UN IT E D S TAT E S 3200 SDUTHWEST FREEWAY. #2000 TEXAS 77027 . , and having HOUSTON. WITNESSETH: That the Mortgagor to secure the payment of FIVE HUNDRED AND 00 100 . ONE HUNDRED TWELVE THOUSAND 0011= ($ ...., 112 .500.00 ), with interest from date, at the rate of EIGHT AND 00000 100000 per centum ( 8.000' 'PO) per annum on the unpaid balance until paid, as provi<,led in a Note of even date herewith, from the Mortgagor to the Mortgagee, in monthly installments of EIGHT HUNDRED TWENTY FIVE AND 49 100 Dollars($ ""'H*825.49 ),commencingonthefirsldayof JANUARY ,1993 ,aod continuing thereafter on the first day of each month until such debt is fully paid, except that, if not sooner paid, , .. the final payment thereof shall he due and payable Db the first day of DECEMBER ,2022 . and .int~ Tl.ij;jl af~ secure the performance of all covenants, ~greements and conditions herein contained, does by these cots grant, bargain, sell, assign, release, convey and oonfinn to the Mortgagee, ALL the follmving described real '/i1~ pro ny situated in the TOWNSHIP";'.: of MONROE , ? Coli Y of /rJ ~ U/I/ / C:;'RLAND V land 'Commonwealth of Pennsylvaoia, to wit: ~ 'rmls LOAN IS MOT a APPROVAL Of THE t:~~~L;r,fABLE WITHOUT T'""' i ~",d"qNS ADMINJ~IRl;, ATTACHED LEGAL DEs~moAUTHOmlm AGf~~'?::~:s.~" f/~ ') . ..0 JrA "'" "'~!,1;3~V ~~~~, s ---"SEE ',.:) 0:;:)':;:) ~ \ ,~~ IJ... oS~ . N ',~ :: ~~,. a.- ;;i =( . w;. c-l Sf :S ~~ ~ ir~ ~ {~ -J, l~l (.) UJ u-J f) o UJ [,13 C::l n:: a:::~ N ~) en THE WITHIN MORTGAGE IS A FIRST PURCHASE MONEY MORTGAGE. THE CONSIDERATION FOR WHICH CONSTITUTES A PART OF THE PURCHASE PRICE OF rHE ABOVE UESCRIBED PROPERTY. BEING THE SAME PREMISES CUNVEYED TO THE MORTGAGORS BY DEED FROM OF EVEN DATE. TO BE RECORDED SIMULTANEOUSLY HEREWITH. TOGETHER with all and singular the buildings, improvements, and fixtures on said premises, as well as all additions or improvements nOw or hereafter made to said premises, streets, alleys. passages, ways, waters. water courses, rights; liberties, privileges, hereditaments, and appurtenances whatsOeVer thereunto belonging, or in any wise appertaining, and the reversions and remainders, rents, issues, and profits threof, and in addition thereto the following described household appliances, which are, and shall be deemed to be, fixtures and a part of the realty, and are a portion of the security for the indebtedness herein mentioned, namely, "-"'" provided. however, that the Mortgagor shall be entitled to collect and retain the said rents, issues, and profits until default hereunder: TO HAVE AND 10 HOLD said property, hereby granted, with the appurtenances, unto said Mortgagee to its own use forever: VMP A boOKH05 rACe 415 00923103 , "-- -".,C .I,,," .'," ~~''''-''';'L''~A' ~'" ~-" '~~~""..,.ili'.,lId""III;IWI",<J" " VMP2 00923103 ~"J ili.. This Indenture is made, however, subject to the following cQVenants, conditions, agreements and stipulations, and. the Mortgagor covenants and agrees; . ,1. That the ~ortgagor will promptly pay the principal of and interest on the indebtednes; evidenced ~ the saId ~ote, at the times a~d i.n the manner therein providci:f, with privilege reserved to prepay at any time, without premIUm or fee, the enUre I~debted~ess or any part lhf7.reof not less than the amount of one installment, or one hundred dollars ($100.00), whIchever IS less. Prepayment In full shall be crediled on the dale received. Partial prepay- ment! other than on an Installment due date, need not be credited until the next following installment due date or ~n1y days after such prepayment, whichever is earlier. '2. To more fully. protect the se~urity of this ~ortg~.g~, the Mortgagor shan pay to the Mortgagee as trustee (und~r ~e tenns ~fthlS trust. as h.eremaft~r stated) I~ addition to and concurrently with. each monthly installment of prmcJpal and mterest unlll said Note IS fully paid, the following sums: , (a) A sum equal to the ground rents, If any, next due, plus the premiums that will next become due and payable on policies !Jf fire and other: hazard insurance, plus taxes, assessments, and sewer and water rents, next due on iIle premISes covered by thIS Mortgage (all as estimaled by the Mortgagee and of which the Mortgagor is .notified) less all sums already paid therefo~- divided by the number of months 'to elapse before one month pnor to the date when such ground rents, premIUms, taxes, assessments, and sewer and water rents, will become due, such sums to be held by Mortgagee in trust to pay said ground rents, premiums, taxes. assessments, and sewer and water rents. ' (b) The aggregate of the amounts payable: pursuant to subparagraph (a) and those payable on this debt shall be paid in a smgle payment each month, to be applied to the following items in the order stated: (1) eround rents, taxes, assessments, se~er and water rents. fire and other hazard insurance premiums; (II) mterest on this debt; and ;' (Ill) amortization of the principal of thi,s debt. Any deficiency in the amount of any such aggregate'monthly payment shall constitute an event of default hereunder and under said Note, unless made good by Mongagor prior to the due dale of the next such payment. At Mortgagee's option, Mongagor will pay a "late charge" not exceeding four per centum (4 %) of any mstallment when paid more than fifteen (5) days after the due dale Ihereof to cover the extra expense involved in handling delinquent payments, but such "lale charge'. shall not be payable out of the proceeds of any sale made to satisfy the Indebtedness secured hereby, unless such proceeds of any sale made to satisfy the indebtedness secured hereby, unless such proceeds are sufficienllo discharge the enhre indebtedness and all proper costs and ex.penses secured thereby. 3. If the total of the payments made by Mortgagor, under (a) of paragraph 2 preceding, shaH exceed the amount of payments actually made by Mqngagee as trustee for ground renlS, taxes, assessments, sewer or water rents, or insurance premiums, as the case may be such excess shall De credited on subsequent payments to be made by Mortgagor for such items or, Mortgagee's option, as trustee, shall be refunded to Mortgagor. ]f, however, such monthly payments shall not be sufficient to pay such items when the same shall become due and payable, then Mortgagor shall pay to Mortgagee as trustee any amount necessary to mak.e up the deficiency within thirty (30) days after wdtten notice from Mortgagee stating the amount of the deficiency, :which notice may be given by mail. If at any time Mortgagor shall lender to Mortgagee, in accordance with the provisions hereof, the full payment of the entire indebtedness represented hereby, Mortgagee, as trustee, shall in computing- the amount of such indebtedness, credit to the account of Mortgagor any credit balance remaining under the provisions of (a) of paragraph 2. If there shall be a default under any of Ihe provisions of the Note and Ihis Mongage securing the same, which results in a public sale of the premises covered thereby, or if title to the property is otherWise acquired by the Mortgagee after the default. the Mortgagee, as trustee, snail apply. at the time of the commencement of such proceedings or at the time the propeny IS otherwise acquired bY the Mortgagee, the balance then remaining to the credit of Mortgagor under (a) of paragraph 2, as a credit on Ihe interest accrued and unpaid. and the balance on the principal then remaining _, unpaid on the Note. 4. Mortgagor shall pay to Mongagee all ground rents, taxes, assessments, sewer and water rents, and all other charges and claims assessed or levied at any time by any lawful authority upon the premises covered by this Mortgage which, bv any present or fulure law or laws, shall have priority in lien or I?aymenl to the debt represented by saId Note and secured by this Mortgage, and provision for tbe payment of whIch is not otherwise made herein, such payment to be made by Mongagor within thiny (30) days after demand by Mortgagee, stating the amount. 5, The principal indebtedness hereby evidenced and secured represents money actually used for the acquisi- tion of or for improvements to the premises secured by said Mortgage. . 6. Mongagor will continually maintain hazard insurance, of such type or types and amounts as the Mortgagee may from time to time require, on the improvements now or hereafter on said premises, and except when payment for all such premiums has theretofore been made under (a) of paragraph 2 hereof, will pay promptly wnen due - any premiums therefor. All insurance shall be carried in companies approved I?Y Mortgagee and tlie policies and renewals thereof shall be held by Mortgagee and have attached thereto loss payable clauses in favor of and in fonn a~ptable to Mortgagee. '~n event of loss, Mortgagor will give i~ediate notice by mail to Morl~gee, and Mo~ee may make proof of loss if not made promptly l?Y Mortgagor. Each msurance company concerned is hereby authonzed and ~irected to make payment for such loss dIrectly to Mo~gagee. instead of to ~ongagor a!1d Mortgagee join~ly. The msurance proceeds, or any part thereof, may be apphed by Mortgagee at Its option either to the reduction of the indebtedness or to the restoration or repair of the prore:rty damaged. ln tbe sole and absolute discretion of Mortgagee, in event of foreclosure of the Mortgage or transfer of title to the mortgaged property in partial or totaf extinguishment of the Note hereby secured, all right. title, and interest of Mortgagor in and to any IDsurance p?licies then in force shaH pass 10 the purchaser or ,@:rantee or shall be canceled and the canceJ1alion proceeds, If anYI retained by Mortgagee. Full power is hereby glven to Mortgagee to settle or compromise all claims under such policies and to demand, receive and receipt for all moneys becoming payable thereunder. 7. Mortgagor shall not execute or file of record any instrument which imposes a restriction upon the sale or occupancy of the property herein described on the basis of race, color or creed. 8. Mongagor will not suffer any lien...superior to the lien created by this Mortgage ~o attach to or to be ~n- forced against the premises covered by this Mortgage. Mortgagor shall not commit or permIt waste~ and s.hall mam- tain the property In as good condition as al present, reasonable wear and tear excepted. Upon any failure so to maintain, Mort~a~ee. allts option, may cause reasonable mai~tenanc~ work to be performed at the cost of MOrlgagor. .THE MORTGAGOR COVENANTS ANO AGREES THAT SO LONG AS THIS MORTGAGE AND THE .. SAID NOTE SECORED HEREBY ARE GUARANTEED UNDER THE PROVISIONS OF THE ..... ~~.__;i;;'e1 SERV ICEMEN S REAOJ USTMENT ACT OF 1944 HE WILL NOr EXECUTE OR FILE FOR ./~ ."" RECORU ANY INSTRUMENT WHICH IMPOSES A RESTRICT ION UPON THE SALE OR. . ~( ..>'.1' Y~/"7 \.. OCCUPANCY. OF THE MORTGAGED PROPERTY ON THE BAS IS OF RACE COLOR OR CR ~ : UPON ANY VIOLATION OF THIS UNOERTAKING THE MORTGAGEE MAY AT ITS 00.1 N. A ri"gL.ARZ" rHE UN.PAIOBALANCE OF TP'. .EBT SECOREo HEREBY IMMEDIATELY I A. .,1 ~ ~ ) , ". , . -~,> " ' -"",""', !lWiiIi1iM". -q; ~"--:j .a;I ~" .. ^ , j,j ~ ~ " , ,~_ "'" .d<~" ,~ - "-.'~ ":'-";,'1,,;, ~l .... .... ~ I' ,'f " VMP3 'TlI& TIIU S&CR&TARY OF VET....ANS AFFAIRS SKALL B& SUBSTITUTE& il'l,~Mt~'lZQ:F IADMINISTRATOR OF VETERANS AFFAIRS.. EACH TIME THAT IT APPEARS IN,.-TIl~I OOCUMENT PURSUANT TO \HB PROVISIONS OF SBCTION 2, PUB. L. NO. I~O 527 HE DEPARTMENT OF "VET.ERANS AFFAIRS ACT. . ( 7tfl1Ln- 9. Mortgagee shall have the right to pay any groum;l rents, ,taxes. assessments sewer and wa~.: and, all other chaiges and. cl~i,,!, which Mortgagor has agreed to pay uoder the tenns heleot. \0 advance d PaY sums of money that m Its Judgment may be necessary to perfect or preserve the title of the premises co by this Mortgage, or for insurance premiums or for any autfiorized maintenance work. Any amount or amounts so paid or advanced shall he added to the principal deDI, shall hear interest at the rate provided for in the principal l'!'iebledness f~om the date of pa)'ment or ad~, ~ shall be secured by. this Mortgage _bly with said pnn- Clpal debt and mterest thereon. Mortga,gee, atlts oPbon,a1so shall be entided \0 be subrogated to any lien claim or demand paid by it, or discharged WIlli money advanced by it and secured by this Mortgage. The paym';"ts and advances so made shan be payable in ,!pproximately equal monthly payments extending over such penods as may be agreed upon by the M~rtgagor and Mortgagee, but not beyond the due date of the fiaal installment of the prin- Cipal debt. In event of fadure to agree on aate of matunty, the whole of the sum or sums so paid or advanced shall he due and payable thirty (30) days after demand by Mortgagee. 10. The lien of this Mortgagee shaJl remain in full force and effect during postponement or extension of the time of paymenr of the indebtedness, or any part thereof, which it secures. 11. Upon the r.equest of Mortgagee, Mortg!gof shah execute and deliver a supplemental :Note or Notes for the sum or sums advanced or paid bY Mortgagee fqr the alteration, modernization or improvement of the mort- gaged property made at Mortloloi>r', request; aiuI for maintenance of said property; or ground rentl, lUes, assessments. sewer ana _r rents, and air other charges and claims' assessed or levied against said property by B!1Y lawful authority or for an) other purpose elsewhere authorized hereunder. Said Note or Notes shall lie secured by this Mortga~ on a panty with and as fully as if the amounts stated in such Note or Notes were part of that stated in the Note herebY setured. Said supplemental Nole or Notes shall bear interest at the rate provided for in the' principal in- debtedness and shall be payable in approximately equal monthly payments for such ~riod as may be agreed upon by Mortgagor and MOl1gagee. In event of failure to :agree on date of maturi~, the whole of the sum or sums so advanced or paid shall be aue and payable thirty (30) days after demand by Mortgagee; but in no event shall any such maturity or due date extend beyond the due date of the final installment of the principal debt. 12. If the indebtedness secured hereby be guaranteed or insured under l1t1e 38, United States Code, such litle and Regulations issued thereunder and in effect on the date hereof shall govern the rights, duties and liabilities of the parties hereto, and any provisions of this or other instruments executed in connection with said indebtedness which are inconsis1.ent with said Title or Regulations are hereby amended to conform thereto. . 13. If, at any time, a Writ of Execution (Mon~ Judgment) or other execution is properly issued upon a judg- ment obtained upon said Note, or if an Action of Mortgage Foreclosure or any other appropriate action or pro- Ceeding to foreclose a mortgage is instituted upon or under this Mortgage, an attorney's. commission of FrVE per centum ( 5.00 %)ofsaidprincipaldebtshall be payable, and recovered in addition to all principal and interest and all other recoverable sums then due, together with costs of suit. . 14.~ ,If any deficiency in the amount of any aggregate monthly payment mentioned in (b) of paragraph 2 shan not be made good by Mortgagor prior to the due -date of the next such payment, or if default be made at any time in an~' of the covenants and agreements herein, or in the Note secured. then and in every such case, the whole prinCIpal debt shall, at the option of Mortgagee, become due and payable immediately. Payment thereof and all mterest accrued thereon, witli an attorney's commission as hereinbefore mentioned, may be enforced and recovered at once, anything herein contained to the contrary notwithstandi.ng. In the event of any breach of any covenant, condition, or agreement of said Note, or of-this Mor1g!lge, it shall be lawful for Mortgagee to enter upon all and singular the land, buildings, and other rights. corpore8l and incor~ poreal, granted by thIS Mortgage, and to take possession of the same, and of the fixtures and equipment therein, and to have, hold. manage, lease to any person or persons, use and operate the same in such parcels and on such terms and for such periods of time as Mortgagee may deem proper in its sole discretion, Mortgagor agreeing that he shan and will, whenever !"C<luested by Mortgagee so to do, assign, transfer, and deliver unto Mortgagee any lease or sublease; and to collect and receive aU rents, issues, and profits of said mortgaged premises and every part thereof; for all of which said Note shall be a sufficient wanant whether or not such lease or sublease has been assigned; and'to make from time to time all reasonable alterations, renovations, repairs, and replacements thereto. After deducting the cost of such alterations, renovations, repairs, replacements, and the ex~nses incident to taking and retaining possession of the mortGaged propl?rty. the management and o~ration thereof, and to. keep- ing the same properly insured, to apply any reSIDue of such rents, issues. and profits to the payment of (a) all ground rents, taxes, charge?, claims, assessments, sewer and water rents, and any other liens that may be prior ID lien or payment to the oebt secured by this Mortgage, with interest thereon, (b) premiums for said insurance, with interest thereon, (c) the interest and principal due and secured by this Mortgage with all costs and attorney's fees; in such oreler or priority as Mortgagee may determine, any statute, law, custom, or use to the contrary notwithstanding. The taking of possession of the mortgaged premises by Mortgagee, as herein provided, shall not relieve any default by Mortgagor, or ,prevent the enforcement Of any or the remedies provided by said Note or this Mortgage. The remedies provided, by said Note and this Mortgage or any other indebtedness therein provided or secured by this Morte;age, and for the performance of the covenants, conditions, and agreements of said N'ote or this Mortgage are cumulabve and concurrent, and may be pursued singly, or successiveiy, or together, at the sole discretion of Mortgagee. and may be exercised as often as occasion therefor shall occur. PROVIDED. that in case default shall be made in thelayment of any installment of principal and jnterest, or any other payment hereinabove or in the conditions of sai recited Note provided for, or in the keeping and perfor~ mance by the Mortgagor of any covenant or a~ent contained therein or in 'this Mortgage to be bY wd Mortgagor kept and performed, 10 the manner and at the time specified, for the performance thereof, such default will enntle Mortgagee forthwith to bring and sue out an Action of Mo~age Foreclosure upon this Indenture of Mortgage, or to Institute any other appropriate action or p'roceeding to foreclose a monga~, and to proceed thereon to judg~ moot and executlOn, for recOvery of said principal debt or sums and aU interest thereon aDd all other sums hereby ., ; , --',",' . . ;,~,,!:,. l:~~'!.~fe rTlIE MORT. GAGOR COVENANTS AND AGREES THAT SHOULD THIS MORTGAGE DR T~E'.'N..^cr~ SECURED H&R&BY NOT BE &LIGIBLE FOR GUARANTY OR INSURANCE UNOER Tfl~~# ~ S&RVICEMgN'S RgADJUSTM&NT ACT WITHIN 90 OAYS FROM THE oATE HEREOF (W~ N ST&TEMENT OF ANY OFFiC&R QR AOTHORiZED AGENT OF THE V&TERANS AO~INISTRATION DECLINING TO GUARANTE& OR INSURE SAIO NOTE AND_OR IS ~' MORTGAGE B&ING DEEMED CONCLUSIV& PROOF OF SUCH INELIGIBILITY), THE RE$.ErnT HOLD&R OF THE NOTE SECURED HER&BY OR ANY SUBSEQUENT HOLDER THEREOF MAY, AT ITS OPTION, DECLARE ALL NOTES S&CUREO HEREBY IMMEDIATELY DUE ANO P~YABLE.' ~~"~~~"i~~' ~. ~.. ...;.,-,,,.......~w~""""'. VMP4 00923103 secured, together with an attorney's commission for collection, as aforesaid, and costs and expenses of such pro- ceeding, and to pursue any and all other appropriate or equitable remedies in such cases provided without further sta~ of execution or other process, any law, usage, or custom to the contrary notwithstandmg. Mortgagor expressly waives and relinquishes all benefit that may accrue !Jy virtue of any and every law made or to be made exempting the mortgaged premises or any other premises or propeny whatever, real or personal, from attachment, levy. or sale under execution, or any part of the proceeds arising from a~ sale thereof. and all benefit of any stay of execu- tion, or any part of the proceeds arising from any sale thereof, and all benefit of any stay of execution or other process. Mortgagor hereby waives and relinquishesiunto and in favor of the Mortgagee, all benefit under all laws now in effect 'Or nereafter passed to relieve the Mortgagor in any manner from the obligations assumed in the Note for" which ,this, -ltWenture IS sey~rity. : : Bti~':PROvl~~b'AL~AYS, nevertheless, that if!said' Mortgagor shall pay or cause to be paid unto the said MOI1ga~ee, the aforesaid debt secured by this Mortga~; when and in the manner hereinbefore menhoned and app€!inted for: payment, of the same, together WIth interest and all other sums hereby secured, then and from thenceforth, this Indenture. and the estate hereby granted, as Well as said recited Note, shall cease, determine. and become void, anything hereinbefore or in said Note contained to the contrary notwithstanding. L If'this Mortgage is executed by more than one pe~ ks Mortgagor, the liability of each shall be joint and several. , I : The covenants, conditions, and provisions contained in said Note, or in this Mortgage. shaH bind, and the benefits and advantages thereof shalllOure to, the respective heirs, executors, administrators, successors, vendees, and assigns of the parties hereto or thereto; and' wheriev. er used in said Note or in this Mortgage. the singular number shalt include the pl\lral, the pl\1ral the sing\llar, the: use Qf any gentler shan be applicable to a\1 genders. and the term "Mortgagee' shall induoe any payee of the indeJ:>tedness represented by said Note, or secured by this Mortgage, or ,any transferee thereof, whether by operation of:law or otherwise. : IN WITNESS WHEREOF. Mortgagor hereunto ~ts his hand and seal. Dated the day and year first hereinabove written. SIGNED, SEALED AND DEUVERED , I ~ THE PRESENCE OF: L Y/CLLuu>>./J.A.:t(L,Ui'2J.cJL... . iJ/J.J..b L~ ~r~~......... ....(SEAL) JO~PH E. MA~IN ..Mzd,!l....i!{.W~.... .... (SEAL) PATRICIA A. MARTIN .............. (SEAL) ..... (SEAL) CERTIFICATE OF RESIDENCE 1, ~ _ ,/ ... ',<lJ' he~by certify ~~tt~eAA correct add.....iI>I\lIellWi\lilr>.lI:fu1Ied Mortgagee is .3</I.JII..fl?WLI"U.J....>LL./LOInp~ 'CU . n{jl/ Witness my hand this 023lLL day of , 19 . NOVEMIjf,\ ~ 92 .D ^ .. ..J . ... .~:rw...u.:.. ?:iJJ...n.LV..aQi~)-OV. Agnrl of MOflgagu COMMONWEALTH OF PENNSYLVANIA COUNTY OF (LUrrJJ.JJJJJJ.d:.' On this c73 NJ...... day of J~' , A.D., 19 , before me, NO~Wihl!- above-named 9 2 \.,'1111~ JOSEPIt E. MART,L'II . act and deed' '>\ b ,'. 4,~ said; ",<.. . .1~J..., My comminlon eKpires 1 atld aMlI*lHlge~ I~JllliIl~ndenlure of Mortgage to be to be recorded as such. WITNESS my ha THEIR an sea, n year aCi ~s.__- _T"",,,~~, MyCOmrnlssl)nElq*llSNoI<.~, ,P AiSadatkJlcl rles ::: !:l ;;; -< Z "" ~ Il;r..i-l ~O~ ;; z ;; ~ o '" u .. ~ " ~ '" H .. '" ~ ~ ~, .. H Z .. 1> .J ,. '" "z "z .0'" ",,,, Z - "'''' '"", H" "'0> "'''' "''''" .,,,H "'HZ H"''' '" '" .,"'" ",~., "',.,'" ~ ~~ - " "l3 ~ ~..g, ,," ~ l::i .., ~ E'~ " , " {: " ." . . .-E .~ ~. \:l( '" '" .. N.5 ~ '" o.e . :i?:l 5 ,v ~" ~ 'S . " '0--.: :i! <l,)~ ~ ~ ~'" ~ ~~ ."1 ~~ ~ 8~ ""E ~::> o~ _0 ~ I;;) Z """ ro ~ ~ ~ '" ~ o :E ,.. ,.. M M '" .. "' .J '" .. '" ., 0'" f-< " zo ,<.~",. ~ Z'" ~'" ..... "'''' .. '" - 1'-' ~ u. o .. '" :x: o. ~.(..:r 'O(ZO ~~~. Z>->, 0",,," ::E~Z. ::ElJ.l~ 00..0 U U ," c::.: ..... ~ ,~ .. o " ., H H Z '" '" z .. 0> "" .z "'~ H "''' "'.. .,'" '" o ..,.. ., '" .. " .. 1> < - '.0',-,'"_,,, -'_~~'~-ml);' "''' ., - ",- ,~ ~ ~ .' " VA ASStlMPTION RIDER THIS LOAN IS NOT ASSUMABLE WITHOUT THE APPROVAL OF THE VETERANS ADMINISTRATION OR ITS AUTHORIZED AGENT. THIS RIDER to the Security Instrument is made this 23RD day of NOVEMBER , 19 92 ,and is incorporated into and shall be deemed to amand and suppl.e!rent the Mortgage. Deed of Trust or Security Deed (the "Security Instrument") of the same date, given by the undersigne:i (the "EorrCMet."").to secure BorrcJWer1s Note to BANK UNITED OF TEXAS FSB (the "Lender") of the same dete and COITering the Property described in the Security l:nstrument to which this Rider is attached. The Security Instrument to which this Rider is attached shall be amended by adding thereto the following described paragraphs: "'tnis loan is inmediately due and payable upon transfer of the property securing such loan to any transferee, unless the acceptability of the, assunption of the loan is established pursuant to section l8l7A of Chapter 37, Title 38, 'United states Code. A fee equal to one-half of 1 pe<cent of the balance of this loan as of the date of transfer of the property shall be payable at the time of transfer to the loan holder or its autllori.ed agent, as trustee for the Administrator of Veterans Affairs. If the asaurrer fails to P"Y this fee at the time of transfer, the fee shall constitute an additional debt to that already secured by this instr\lm9nt, shall bear interest at the rate herein provided, and, at the option, of the payee of the indebtedness hareby secured or any tranferee thereof, shall be i.mtiediately due and payable. Tnis fee is autanatically waived if the assomer is exempt under the provision~ of: 38 U.S.C. 1829 (b) . . , Upon application for . approval to allow assumption of this loan, a processing fee may be' charged by the loan holder or its authorbed agent for deteImihing the creditworthiness of the assmer and subsequently re'lising the holder' s o;mership recoros when an approved transfei i$ cat;>leted. Tne amount of this charge shall not exceed the miDdmJm established by the Veterans Administration for a loan to Which section l8l7A of Chapter 37, Title 38, United States Code aPPlies. i . If this' obligation is assumed. then the aSSUIrer. hereby agrees to asSUIre all of thei obligations of the veteran under the tems . of the instruments creating. and securing the loan, inlcuding the obligation ofl the veteran to indannify the veterans Administration to the exteht of any clain,'payu-eo.t arising from the guaranty or insurance :of i the indebtedness created by this instnIment. "i! I I BY SIGNING BE!:D'l, Borr<Mer I accepts and agrees to the terros and provisions coo.tained in this Rid~r to the security InstruIteo.t. ~~'r/~-' JOSEPH E MARTIN .Jm-i/Lf~~. P~TRICI~ A MARTIN lloiiUC5-pAf:f l2U VA ASSUMPI'ION RrDER CMCA, LP 78305 (3/88) , -- ~,' ~~ L" ' '~, : ~ ' Exhibit "B" " I,', ,): --~ ;'i;~, on, 1...--., . --~ --~ . ~~ '........... . j' ,,,) '<lIli 'THE TITLE'SECRETARY WVE )ANS AFFAIRS SHALL BUUBSTITUTE ~ADMINISTRATOR OF VETERANS dFFAIRS EACH TIME THAT IT APPEARS DOCUMENT PURSUANT TO THE. PROnSIONS...QF SECTION 2, PUB. L. NO. DEPARTME~T OF VETERA~S AFFAIRS ACT. VA Fottll 26-IiJJ6p {Home Loan} ~vjsed Marcil 1978. Use Op- fiomdSecrion181O.TIlleJ8. U,S.c. A.:ceptahle 10 Federal Nu_ (kma! MQrI\!,ate Asmci?tUm. V l~ l ~1. 00923103 I~Otaii~11~:re 100.5 UE MORTGAGE NOTE /1 D(,O'(' CAMP HILL , Pennsylvania. $ *****112)500.00 FOR V AWE RECEIVED, the undersigned, ..' .MARRIED NOVEMBER 23 ,19 92 JOSEPH E. MARTIN AND PATRICIA A. HARTIN UNITED OF TEXAS ESB roh organized ao'd existing under the laws of the UN ITED 8T ATES , or orde hereinafter designated as the Payee, the principal sum of ONE aUNDRED TWELVE TUO AND FIVE HUNDRED AND 00.100 . Dollars ($ **"112,500.00 ) with in!er t from date at the rate of EIGHT AND OOOOO~IOOOOO Pl'r centum ( * 8 . 000 %) per annum on the -unpaid balance until paid. The said principal and interest shall be payable at the office of BANK UNITED OF TEXAS FSB . hereinafter called the Maker, promises to pay to ~ BOUSTON, TEXAS 77027 at 3200 SOUTHWEST FREEWAY, #2000 or such place as the ho\der may designate in writing in monthly installments of E I G H T HUNDRED TWENTY FLVE AND 49 "100 Dollars ($ **l'r****S25.49),commencingonthefirstdayof JANUARY ,19 93 ,andonthefirstday of each month thereafter until the principal and interest are fully paid. except that the final payment of the entire indebtedness evidenced hereby, if not sooner paid, shall be due and payable on the first day of DECEMBER, 2022. Privilege is reserved to prepay at any time, without premium or fee, the entire indebtedness or any part thereof not less than the amount of one instalhnent, or One l;lu!1:dr.ed ~oUaIs ($100.00), whichever is less. Prepayment in full shall be credited on the date received. Partia[J!1l1!'paylheM~er than on an installment due date, need not be credited until the next following installment due date days after such prepayment, whichever is earlier. Simultaneously with the execution of this Note t Maker h ecuted and delivered to the Payee a Mortgage secured upon certain premises situated in the Coun of lHn1tl:ft , Commonwealth ofPennsy!vania, more particularJy described in the art ge. All e terms, covenants, provisions, conditions, stipulations and agreements contained in said Mortg' ,e to'be keR and performed by the Maker are hereby made a part of this Note to the same extent and with the sll~~and effect as if they were fully set forth herein, and the Maker covenants and agrees to perform the same~ or cause the same to be kept and performed, strictly in accordance with the terms and provisions thereof. I : The whole of-the principal sum or any part thereof~ and of any other sums of money secured by the Mortgage given to secure this Note, shall, forthwith, at the option of the Payee or any subsequent holder thereof, become due and payable immediately, without notice or demand, if default be made in any payment under this Note, and if the default is not made good prior to the due date qr th~ next such installment; or upon the happening of any default which, by the terms of the Mortgage given to Secure this Note, shall entitle the Payee, or any subsequent holder hereof, to declare the same, or any part thereof, t9 be due and payable. The Maker does hereby empower any attorney of, any ,court of record within the United States or elsewhere to appear for Maker, with or without a declaration med, atK1 confess judgment or judgments against said M~ker in favor of the Payee Of any subsequent holder hereof, as of ally tenn, for the entire unpaid principal of this Note, and all other sums paid by the holder hereof to or on :beh~Jf of the Maker pursuant to the tems of this Note or said Mortgage, and all arrearages of interest therebn, :together with costs of suit, attorney's commission of 5.0000 % for collection, and a release of all errors, on which judgment execution or executions may issue forthwith. The Maker hereby waives the right of inq~isition on aU property levied upon to collect the indebtedness evidenced hereby and does voluntarily condemn the same and authorizes the Prothonotary to enter such condemna~ tien, and waives and releases aU laws, now in force orihereafter enacted, relating to exemption, appraisement or stay of execution., l:,' . The agreements herein contained shall bind, and the benefits and advantages shall inure to, the respective sUc~ cessors and assigns of the parties hereto. Wherever us~, the singular number shaH include the plural, the plural the singular, and the use of any gender shall be appli4able" to all genders. IN WITNESS WHEREOF, the Maker has caused thes~ presents to be executed under seal the day and year first above written. I ' Signed, Sealed and Delivered \\l\\~\\~\\\ '\\\'t ~ 0 ~ in the Presence of: . !'o~~\l.\\~,n\ \ ~"j ,\~\\ /~ \I\~'~ \ll, rt:11 !\,>' T,"" .;;~~V,RK\lIl.1' JDjlE,PH E, MA21~ ....,t ~,\l\\~ ",\i~\\ ~.v~. .\ ~'.\ ~:'~.~ n ,~. ~,_1<~ ,~,Tr"~-;-~ l:fJ:M:z~iL t( // It1PU/J( , ~'\r..\ ~\~, \ . ; It-\', ~,": '~:i\.- PATR,lCl'^ A. MAR'!IN t.1l);I\l i\ ~\.~ vi ~ ~ ,~ . _ \~'.d"\ .f\. "\'\~~lJd~~ 9iY) /'h~ 1.0 . (SEAL) (SEAL) (SEAL) (SEAL) THIS Is To CERn on real estate situate' 1 1iI!i2~~!!RLAND '.:"""'!".~."""YP""" H>>_ Twp" CulTbeItaritColmlv ~":~~~:-mrr.iAAionF.xpirasNc<v:30, 1~ and secured by Mortgage of even date herewith secured County, Commonwealth of Pennsylvania, W;ZU)) I I J I' //1'1; ,1 )/; /'If I,? 11 . .....- - . . (i) 'll9ITIQn-1lCCOuRsE PAyra!HE ClRllER ~ MARGARE & COMPANY, INC. /JEO OF TEXAS ~.~. 0'(' ./; . .--:.~(~ ASST. VICE PR SIDENT BAR8ARA ROBERTS ~ _D~C.7 ~ I; eJ IrITIIOtJT llECOURSE PAY fIr rliiniUili/' OF: PAY WITHOUT RECOURSETO ~E ORDER~; / . , , " -/,,' IJ ...... " 4"\0.1-'1-..(;: Y"---'6 ANKO;~~~CA:FSI3 .-. ~ ~' . ",.,..'. 0,,'_' '''''"tM~i: m: ~'" ~~ lIIIIliIlllIIII " ,,~ u Exhibit "C" ~'- ""' ,d' ,. "'-".', ~ ~,:!t~~'~,: ";; .~-~ , . '. ---..--- ----_._._--~_.~,-".__.... .\1 ALL tHA7 CERTAIN tract of land situate in the Township of Monroe, 'County of Cumberland and.State of Pennsylvania, being more particularly bounded and described as follows, to.wit: . BEGINNING at a. steel pin set on the westernmost .,dedicated right-of~way'_' 1ine,,_, of the Stumpstowu Road (T-570), said pin marking the common point o~_adjoiner ~f Lots Nos. ~6'and 17 on the hereinafter mentioned Plan of Subdivision; - thence departing from the Stumpstown Road right-ai-way' and extending along Lot No. 17, South 67 degrees 18 minutes 28 seconds West, for a distance of 280.00' feet to a steel pin; thence extending along Lots Nos. 17, 18 and 19, South 21 degrees 36 minutes 51 seconds East for. a distance of 3'20.00 feet to a steel pin at a fence line at lands nOW or formerly of Magaro; thence extending along lands now or formerly of .Magaro, South 67 degrees 18 Minute~ 28 seconds West, for a distance of 205.00 feet to a steel pin at Lot No., 15 on the hereinafter m~ntioned Plan of Subdivision; thence extending along Lot No. 15 the following three courses and distances: North 04 degrees 29 minutes 33 seconds West, for a distance of 420.00 feet to a steel pln; thence. continuing ,North 45 degrees 27 minutes 41'seconds East, for, a distance of 110.00 feet to a steel pin; thence continuing North 67 degrees 18 minutes 28 seconds East, for a distance of 260.00 feet 'to a steel pin.,set on the westernmost dedicated right-of-way.line of the .Stumpstown Road; thence extending in and along the westernmost dedicated right-of-way line ~f the Stumpstown Road, South 21 degrees 36 min~tes 51 seconds ,East for a distance of 120.00 feet to a steel pin on said dedicated .right-of-way line at Lot No. 17 ~n the hereinafter mentioned Plan of Subdivision, said pin marking the place of BEGIRNING. CONTAINING 2.111 acres, and being designated a~ Lot No. 16 on a Final Plan of Subdivision of Monroe Meadows, prepared for Kimba, Inc., by Statler and Lahr,'Registered Engineers, dated November'24, 1986, and recorded in the Office of the Recorder of Deeds in and for Cumberland County, Penns~lvania, in Plan Boo~ 53, at Page 34. BEING THE SAME PREMISES which Kimba, Inc.., a COrporation by Deed dated November 7, 1987 and "eco"ded in Cumberland COunty Deed Book B, Volume 33, Page 175. gcanted and conveyed unto Joseph E. Martin and Patcicia A_ Martin, his wife. ~ .-.". n; ." of pf.'lnnsylvl!Inia 1 S5:., ''-'. ~!'~V (~~ Gumq.erln"d . d' of Deeds .._. _ ';;':i in the office for ths r.ecor lng . " ",: ,~;,d tor CumberlBnd CDun:tLt ''" I\J~ [')C~I=- Vol, --" ;;,~' . t?- i(l, ""'",, ,~\1 r;'y ~J:,\d ~,~ ,"!Y' ~j1Vof ,,'~-+-'- '.', .,1'.,,\'.'; I'M_\.IIt; J ' - 1'1 , . ,--, , ,-,- I ~.,,!/ . 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',." - " "~ "Y'~bi. 5 ~ ;:... 2 ~ ~ i::j <l.l '" r-::S ,!:l ';:;_'::l 5= d ~] t5 . - 0 -"'- o v " ;, ~.g o 0 0. ~I~l '" 0 ~3 is ~ ~ , 6'-g~] 51~ ;1 v ~ . E ~VJ 2 ::; ;:. >. v = ~ g ff ;>0; '" '"'::ll 1=2.... r::J'~ ~ g r"o"S!:c -<:.= Cij ~ r" ~ .....-= Eo-< v v..... c:: ~ e!l ~ O~~c ~ ~ ~ E 5: ~.~ 0-" z .. :: C' o ou S e _ ~o.... r-o..Q tlD] c..<;l::.... ~ o:a ~ ;:>-'C..!:: v.>g~~ ~,gg.s ~ ,"" .'. ., ., .. I- . ~" '1Ml~4', Exhibit "E" I ~ -~_.....~~. " .,_ 0 . ' ,. .. NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT, (the Act) 15 D.S.C. SECTION 1601 AS AMENDED I. This law'firiil may be deemed a "debt collector" under the Fair Debt Collection Practices Act. Any and all information obtained during the prosecution of this lawsuit may be used for the purpose of collecting the debt. 2. The amolmt of the debt is stated in paragraph 9 of the Complaint. 3. The Plaintiff as named in the Complaint is the creditor to whom the debt is owed, or is servicing agent for the creditor to whom the debt is owed. The undersigned attorney represents the interests of the Plaintiff. 4. The debt described in the Complaint, evidenced by the copy of the mortgage note attached hereto, will be assumed to be valid by the creditor's law firm unless the debtor, within thirty (30) days after the receipt ofthis notice, disputes in writing the validity of the debt or some portion thereof. 5. Ifth.e debtor notifies the creditor's law firm in writing within thirty (30) days of the receipt of this notice that the debt or any portion thereof is disputed, the creditor's law firm will obtain a verification of the debt and a copy of the verification will be mailed to the debtor by the creditor's law firm. 6. If the ereditornamed as Plaintiff in the Complaint is not the original creditor, and if the debtor makes a writtell request to the creditor's law firm within the thirty (30) days from the receipt of this notice, thF, name 'and address of the original creditor will be mailed to the debtor by the creditor's law firm. 7. Written requests should be addressed to Spear & Hoffinan, P.A., 1020 North Kings Highway, Suite 210, Cherry Hill, NJ 08034. " ' .'..', i - b -,' ". '-, ,-- '';;)(!'!!iil'~! . ,,'\ .. :r_ 1II .'~ '" w' < k~'~~ ~~~ ~= ,~ "_",_,~;_~."~,",,,,~,~.-. _ ~."o"'k'''%''''''''''_'''''''o~.'''''''''~'_'' ---n"'.ll'lii'" ~ ; _ ? I'.:i"~;~ ~-! /J C" C/"~', i. J:' r '( [:".1,> fl'r-. ,c.,,, "ld ,)1" I IC;i-' r'I:, I'"~ I' r ;'\_ ~I '-' l ,ii, I:; .,. 01 ! , 15 "'.{ v.,; f' "~',c. , ;1. oi_!u ",;~, i ,,' 1.... -,~.l ,J DI~,_", _1. T1i1Jl~~__~ , ,~, l" I:I'!lJ.ffiJ 1!f;ij~W-!1f1:fij:;;~I~;~l'-"'A?;!Pf"'-.-~"i<,;n'; "',,{IHi""I~'Y'ffh;'j?1j~""~"~f~1ffi;~?%f(~!;i~~!~o/~~T'\I!f~Ji.Jl~~W: ~ "-~ 7 _~ " .11;I' III Spear & Hoffman, PA BY: BONNIE DAHL, ESQUIRE Attorney LD. No. 79294 1020 N. Kings Highway, Suite 210 Cherry Hill, New Jersey 08034 (856) 755-1560 Attorney for Plaintiff BANK OF AMERICA, NA PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. NO. 01-6380 CIVIL TERM JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN DEFENDANT PRAECIPE TO REINSTATE COMPLAINT IN MORTGAGE FORECLOSURE TO THE PROTHONOTARY: Kindly reinstate the Complaint in Mortgage Foreclosure on the above-captioned matter. SPEAR AND HOFFMAN, P A AJ2~ ~. BONNIE DAHL, ESQUIRE ."...- ~ . ~-~~k<,*'-.u~i.~'.:;l ..it '- :i,~@ii!4~fJ~iiiifj~~..J1ffu'!tkl;d.7;\,d'k~'il'--'n"",si,J';""i~;>';;-'i,",.:J, :J';~ --."."!t1';"'__;"':",,,b"l;.L','''!''~'~'''_';j''''',.,~,fffi;ro,M~fiIr~- ]I"~"""",,~-,:;: ~>" '" '- "~_. ~,.- ~"' \, .~ n L~ " ~., _, _~,_ ~._",',,_~ 'h~". ,~""~ ","~""~~",,,c-,,"'_;' ^, ." ,{>c. ~~, ,,", - c ~ ~rf ",,-. V5 ,_ -<..-: ~8 - L- 2; -~ c:~ (=J t-{'j -~.-\ r;;- o ;, ~_:. w "" "~ ,-" _'" ,:' ,~,tt:; ~ ~ ,'I . ,'-~.", ~".;.O-. ",~ -,-,-,-~~,,, ""~,,,",,.",,, <'~" -",' -,,' ":>ll:i-ci1tii . , " SPEAR & HOFFMAN, P.A. BY: THOMAS J. HORNBECK, ESQUIRE ATTORNEY I.D. NO. 80057 1020 N. KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF LOAN# 0001106087 BANK OF AMERICA, NA 475 CROSSPOINT PARKWAY P.O. BOX 9000 GETZVILLE, NY 14068-9000 PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET 01-6380 Civil Term vs. JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN 318 STUMPSTOWN ROAD MECHANICSBT;JRG, PA 17055 DEFENDANTS PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES i TO THE PROTHONOTARY: Enter Judgment IN REM in the amount of $124,996.41 in favor of the Plaintiff and against the defendant(s), jointly and severally, for failure to file an answer to Plaintiff's Complaint in Mortgage Foreclosure within 20 days from service thereof and assess Plaintiff's damages as follows and calculated as stated in the Complaint: Principal of mortgage debt due and unpaid Interest at 8.00% from 08/01/00 to JUNE 10, 2002 (679 days @ $22.88 per diem) Accrued late charges Escrow advances made by plaintiff Corporate advance balance Attorneys Fees (As stated in Complaint) $102,956.31 TOTAL AMOUNT DUE $15,535.52 $492.76 $3,108.32 $75.00 $2,828.50 $124,996.41 THOM J. ORNBECK, ESQUIRE Attorn . for Plaintiff AND NOW, judgment is entered in favor of the Plaintiff and against the Defendant(s) and damages are assessed as above in the sum of $124,996.41 ~ R r~ v..-' PRO PROTHY I :(f; rJl'"'''' " ~""" ]1' ''''c''', H IIIII! .~-~"~~,~' ~"'~C~ -~ir_~.""-'- ,~l!rrI II -1IIR1 ~ __% ,,,,,,,,,,,..,,,4_,,,"0.."'''',,,",,,,,,,,". ~"",".",~~.~ "~ .--",.'-cl;,; .Iii . '" " , ~: ~ g c::> 0 I"':> -n r 3: ~ -.-.\ ~ -00:1 -r mrn """ 1_'~:~ z-- - Ze' -;:1d c-f 0!z rv ~~s 1 "- \)J 1'::0 '" V\ <:: -0 ::P-o ",,' ~l(":" " .- ~, '" ~g rv or1'\ ~ ." "" -7 N ~ ~ '''' .. }J C' ~ ;:;: 3 ~ , ,. "', "-,~,,~ , ~,-" ~-~, -- ,~-' ..'>'" ~, ~ ','~ , . 01. nUl~l"llC LJAnL, C;)\..lUl.K.C" -, ATTORNEY LD. NO. 79294 . 1020 NORTH KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (609) 755.1560, FAX (609) 755-1570 ATTORNEY FOR PLAINTIFF .. ~" ,,'" ,,__' .,-,,_ - '<J-.""", _, ~, . '.',~- iit1~w11llii MAR 11 Ii, lOUe ~ BANK OF AMERICA, NA COURT OF COMMON PLEAS CUMBERLAND COUNTY PLAINTIFF, vs. DOCKET NO. 01-6380-CIVIL TERM JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN DEFENDANT(S) ORDER AND NOW, this ~ day of mafT'~ ,200..2, pursuant to Plaintiff's Motion for Special Service and accompanying Memorandum of Law in Support thereof, it is hereby ORDERED that Plaintiff's Motion is hereby GRANTED; Service shall be deemed proper upon the following methods: certified and regular mail L- Posting Property located at: 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055 Other, as required by the Court: It is further ORDERED that all subsequent pleadings shall be deemed properly served upon defendants by the above methods of service or the methods of service as prescribed by Rule 440 of the Pennsylvania Rules of Civil Procedure regarding service of legal papers other than original process without further application to this Court for allowance of special service. tfJrJ/j In/( ""^,., .'~-. 1-.' '~..' "-""~'-.,~.., ..~'= ---"." -c_y,~.;~,,-,.;i.j~';(i . . SPEAR & HOFFMAN, P.A. BY: THOMAS J. HORNBECK, ESQUIRE ATTORNEY LD. NO. 80057 1020 NORTH KINGS HIGHWAY SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 FAX (856) 755-1570 ATTORNEY FOR PLAINTIFF BANK OF AMERICA, NA PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY Ys. DOCKET NO. 2001-0638-P JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN DEFENDANTS CERTIFICATION OF MAILING NOTICE PURSUANT TO RULE 237.1 The undersigned hereby certifies that a Written Notice of Intention to file a Praecipe for the Entry of Default Judgment was mailed to Defendant(s) and to his, her or their attorney of record, if any, after the default occurred and at least ten (10) days prior to the date of the filing of the Praecipe for the Entry of Judgment. A true and correct copy of each Notice is attached hereto, sent as stated. Dated: APRIL 24. 2002 it' ~i '~"<-"d~'r~'<.' ._""'Uili;;."';;"milm~:ol-Q''''''''I:'''~'fii.:o;;'~;l<<~~''' 'iwJt" , o~oo"lll!n - - -,-"',",'-CO_"" ,,~_-,-", . ,,,",,"",,,',,,,=_ ."'""v-""-'''' 0' -;~'" "~=~. ....--.. . (') c:::> 0 c: N "Tl s:: ~ ::;:! -om c= --1_ ""T't mrT' :lZ ~nr z-rj .-c,.m 6;~ l'-l -DC -<~::.. C?(~; ~CJ -0 --Y' jl- s;:o ~ \~~ >8 ~ --.f:::-rn ~~ ~ ~ rv 53 +" -< ~ ,"" '=_"~_"" .,"J ~,.-. ,-~, '''''.'' , --<(",~ ,_~'" ".~, ~,.~ - "-~ . u,""' =,'~ .,,~,,- ;;.-~<- - '- ~ ,,-~, .,' "'~' ;, ",_:....,,1 ':" - -,-, .--,'j"'':' ;.';"c.";~,;Ji?'~'''.'''''i!o'''''-'''',,,,,J, ',' .-, . ",.(' '~i; ~.. .~',-~ SPEAR & HOFFMAN, P.A. BY; THOMAS J. HORNBECK, ESQUIRE ATTORNEY LD. NO. 80057 1020 N. KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF BANK OF AMERICA, NA PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO.01-6380 Civil Term JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN DEFENDANTS CERTIFICATION AS TO THE SALE OF REAL PROPERTY I hereby certify that I am the Attorney of record for the Plaintiff in this Action against Real Property and furthh certify this property is: FHA - Tenant Occupied or Vacant [ Commercial ] . As a result of a Complaint in Assumpsit [ x ] That the Plaintiff has complied in all respects with Section 403 of the Mortgage assistance Act including but not limited to; (a) Service of notice on Defendant(s) (b) Expiration of 30 days since the service of notice (c) Defendant(s) failure to request or appear at meeting with Mortgagee or Consumer Credit Counseling Agency (d) Defendant(s) failure to file application with Homeowners Emergency Assistance Program. I further agree to indemnify and hold harmless the Sheriff of CUMBERLAND County for any false statement given herein. " ~ . .. '.... ....... ^ . ----., - ~. ,- '-',<-",,^;,.' ~. ~, . - -.'-., 1-, ,,~",y'-; .';';'_,.""c->, ,~{~, ,,"~' ";">-,,~,"~~,>-. ".:'-~~i CERTIFICATE TO THE SHERIFF SHERIFF'S OFFICE CUMBERLAND COUNTY COURTHOUSE 1 COURTHOUSE SQUARE CARLISLE, PA 17013-3387 BANK OF AMERICA, NA vs. : COURT OF COMMON PLEAS : NO.01-6380 Civil Term JOSEPH EDWARD MARTlN AND PATRICIA ANN MARTlN I HEREBY CERTIFY THAT I. The judgment entered in the above matter is based on an action: A. B. X C. D. In Assumpsit (Contract) In Trespass (Accident) In Mortgage Foreclosnre On a note accompanying a purchase money mortgage and the property being exposed to sale is the mortgaged property . II. The defendant( s) own the property being exposed to sale as: A. ---2L B. C.' D. E. F. An individual Tenants by the Entireties Joint tenants with right of survivorship A partnership Tenants in Common A corporation III. The defendant( s) is (are): -1L A. B. C. Resident in the Commonwealth of Pennsylvania Not resident in the Commonwealth of Pennsylvania If more than one defendant and either A or B above not applicable, state which defendants are residents of the Commonwealth of Pennsylvania. Residents: DIRE 85 755-1560 .1020 N. Kings Highwav. Suite 210 Cherry Hill. N.J. 08034 '~ ~1lI~-~.~~~iI~~Iil~~M~~j~'IiD~!Im.'-~ -~ Eif'-"liII~l{."""..~~;.-"'..,,,.'""n__' ~ ,,-- ~""""""'~~ .~ ~_ = _,.",,~.,..l "-"",,'''' ..',.' ",~_ ". ,~._ .w_.." , ,- .. .< ~" , ' " ~, , <2 5:. -00" n-.G.'. \..7'_..,.-, ",-~-'":::- -mcp ::/.'/.--.- r;O ~ };;O ~O Y'i 2. ,,~. ,- c.:> \>.) ~ .;;:; - l" .._-~ ...j.... . .... -0 ~ ('V .' o -,. -.-\ :~~~ ..~ 1- '::i~? '1~ ....;...i. ~ " ';':;:0 <,,__\.""n 9 ~ ::.<; N 0' ~ -............ ^-,.. ._ H '.' '_,"iR ,~~ ~_"."";O,~~". , ~'~k-l,~':,-..itii , J. SPEAR AND HOFFMAN, P .A. BY: THOMAS J. HORNBECK, ESQUIRE ATTORNEYI.D. NO. 80057 1020 NORTH KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 FAX (856) 755-1570 ATTORNEY FOR PLAINTIFF, LOAN NO. : 0001106087 BANK OF AMERICA, NA PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY VS. DOCKET NO.2001-06380-P JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN DEFENDANT(S) NOTICE To: JOSEPH EDWARD MARTIN 318 STUMPSTOWNROAD MECHANICSBURG, P A 17055 Date of Notice: APRIL 24. 2002 IMPORTANT NOTICE YOU ARE IN DEF AUL T BECAUSE YOU HA VE FAILED TO TAKE ACTION REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAYBE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET HELP: CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17103 (717) 249-3166 . H RNBECK, ESQUIRE for Plaintiff TIDS LAW FIRM MAY BE DEEMED A "DEBT COLLECTOR" UNDER THE FAIR DEBT COLLECTION PRACTICES ACT. ANY AND ALL INFORMATION OBTAINED DURING THE PROSECUTION OF TIDS LAWSUIT MAY BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. ~)Jib"~i~;:j~i4~rui!jill;;i;;-i&*~I;4,,,,,,'d'-H"""%'~~*'~.J~I0<i;1ii~1,t~~.'\lOf,'EW.;<.6k;~".w;~ii.!'{%';::;I-'i"'~~~$~~ilflM' ~'-"'~'m&1r 1-, 1 ~'i1i;I' ""~...,~ '.....~lilJil_'li;jilillill; 'ii ""'",-,c,.,~ ~"'~ __ ~k,~lv...,.,<^ ,~~^__ '"'~ .,,'~_~ ,'"'_ _~," ~ h" "" " ~-' ,<"~,..,.~-"'" ~, "~-1IlIIaI ">lI,ij.ll:j " 100. g 0 ~ N ffi ::::: .--1 2tP, ~ ~f1 ~; - -Ol'" ~~ "JO N ~':\6 2-"'- -:"r;; ",=0 --0 - 5-<< z2 ...... -:"..~ 5>c! .r:-: gt" ; N ~ s:- .'< w. ~~ boo, - ,~ '""'-,-,' <'--"','''",,-;-, ,,;;. "kl~~J r " . SPEAR AND HOFFMAN, P.A. BY: BONNIE DAHL, ESQUIRE J ATTORNEY 1.D. NO. 79294 1020 NORTH KINGS HIGHWAY SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 FAX (856) 755-1570 ATTORNEY FOR PLAINTIFF, LOAN NO. : 0001106087 BANK OF AMERICA, NA PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO.2001-06380-P JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN DEFENDANT(S) NOTICE To: PATRICIA ANN MARTIN 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055 Date of Notice: APRIL 24, 2002 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HA VE FAILED TO TAKE ACTION REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAYBE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET HELP: CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17103 (717) 249-3166 THIS LAW FIRM MAY BE DEEMED A "DEBT COLLECTOR" UNDER THE FAIR DEBT COLLECTION PRACTICES ACT. ANY AND ALL INFORMATION OBTAINED DURING THE PROSECUTION OF THIS LAWSUIT MAY BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. !~~~~~La..~Ji!ilJt;{;i;i!~tt~~)~~J~iw~it;;l1Iillt:ij~,:'M;}!"'-"'''~''~ ,,~,"".,;jf~'.',-j;-&-&"'" -'~."'1j( .,~, ~~- ~'i',;.;JJR""",~~ .''''~.'~'''~_ ..., ",,!<,,,,, ,,",,'e._ ",> -...,mi:if-i....~'m'7"'..~'. lll. _I ,.. ~-~- - ,,",- ~_ "~L ~" ,~'" .-.~''"!:illJI,'l~-''''''''''''"'. "\ 1. ~. . (") 0 0 ~ N -n C- .-l "tlt:O c: -~ S2fT1 :;e !'ir':..: :1J ",n1 ~S;; rv ~p9 L: ~~() ,<C -0 "r'..--n "=--n ;"" ::!l: ';~D :z: . ')>0 ~ 3m C -, :z: N ?D ~ ~ =< Q~ " "" - "-' ~,,- - ~,', I"' ",-~, '~,~",;.~,'.-' .,,,, '--"""'."'~""-'.~'"'~'-~"" ''''0,US.;&'oY', .. SPEAR & HOFFMAN, P.A. BY: THOMAS J. HORNBECK, ESQUIRE ATTORNEY 1.D. NO. 80057 1020 N. KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF BANK OF AMERICA, NA PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO. 01-6380 Civil Term JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN DEFENDANTS CERTIFICATION THOMAS J. HORNBECK, ESQUIRE, hereby verifies that she is the attorney for the Plaintiff in the above captioned matter, and that the premises are not subject to the provisions of Act 91 because it is: ( ) an FHA mortgage ( ) non-owner occupied ( ) vacant ( x ) Act 91 procedures have been fulfilled This certification is made subject to the penalties of 18 Pa.C.S. unsworn falsification to authorities. J. RNBECK, ESQUIRE for Plaintiff ~'l ~~[$-"'"'~l]]:Yi_!t_U~Mflr'" .~ ,=,'''''',0-'''_',,",,'' II" "';"':,,,.,'-'-' ~~'f';;' I," ,"~,-- , ~-",,, ,.,,,: ,;':h>' '""~~,~' ,~~, ,,~, "' "- ~_., I~,- -."","'.~ --" """,, ~. ~ 1 I ("") C 0 ~ .v 0j1 '- -aiP c;::. --r1 ror,'"! ;Z: k::C' - :r;~)" ~r:;. N 27 ~C] -0 ZO _w ;;~B --'- c--C ~ 0;'\1 J>'C ~ Z eN 3- (J\ ~ _I~__, ^~,,,,~ - <~~'-n"-~"""<^,,_:;,,,_ _,',~ _",;,~~ . OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS CUMBERLAND COUNTY LAWRENCE E. WELKER Prothonotary TO: JOSEPH EDWARD MARTIN 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055 BANK OF AMERICA, NA PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO. 01-6380 Civil Term JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN DEFENDANTS NOTICE Pursuant to Rule 236 of the Supreme Court of PelUlsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below: X Judgment by Default Money Judgment Judgment for Possession Judgment on Award of Arbitration Judgment on Verdict Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY THOMAS J. HORNBECK. ESOUIRE at this telephone number: (856) 755-1560 :iTIlar:~ll~~-'~'.'.-._" 1lI1&~~1 '~~M ^~~~ ";.';:"'~i' ... _~ '-'~,;="F-,," --',,,- ~~,Hiif(:''''~'. m~ , ~J"~.,,,._.._,,,_.,,,~_ ,__.,J,"7'C~'_ . ~ "~,,,._-~<,,,,,,,-,,,' "'.i-~i!iiiA: 1lIiIi."....- ~- ''''""",P,~,, , _-'. ~,',~", ~ J L~~ n = ,~ ~.,'-- '-' ",,-,"" ~,,'< ~ ~, ~ 0 () r--> -;" ~ 'e -::~-: -t)C):l ;-tl1d- rom ~ z'::P - .~:.I ;:.'IJ. 0.t;, r--> --;")'-/ .---j >~ ~7 ~.{.~./ ,-C\ --0 ,}~':~ '<: ~o ::g: J(J r '51~' ~V ~ ;pC -' ~ t" -". ~ tJl ::<: ~-, "' ~-". ,.,. <" .,~. -.,--",- '" '''''''''''-'--.''-'-''1--' ;;-'",'~"',-"A.t."'-'.~'~"~"" -, -- '_if ',0-.. , "';""~.'";;i SPEAR & HOFFMAN, P.A. BY: THOMAS J. HORNBECK, ESQUIRE ATTORNEY LD.NO. 80057 1020 N. KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF BANK OF AMERICA, NA PLAINTIFF, vs. COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN DEFENDANT(S) NO. 01-6380 Civil Term CERTIFICATE OF SERVICE We, Spear and Hoffman, P .A., Attorney for the Plaintiff, hereby certify that we have served by first class mail, postage prepaid, true and correct copies of the attached papers upon the following person(s) or their attorney of record: JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055 Date mailed: ~l.\ \\ ro L- M~'t;;'~;~m.~~_~~h~tii~/J.{~i\-J""I'lilIi~~i~. r ",.-i'-<"~-;';''''---.>-~' - . ,~" l.. n v _~, __ '~ ,_. C> g t" s: "01:1:' roD:' ~p ~Ji;. :2:/-~ \2.C. :>"'.0 ~O ::PC !z ~ - , ;:::::: ~ - ~ -0 ~ q "h -~ ~~~ Db -~"-f' '.1.- -.. \i~. "........ ~ ~ -' ~ i'> (1\ o__~'" --,. '''., '.I ;'-;'1 ,"' ",,;. ;., "-"'LJ.<';,d<""""~--{''''''''<':''<'''''""",;W~~,,,,,, ',- 'r.,,' .,', C,:_;,;; SPEAR & HOFFMAN, P.A. BY: THOMAS J. HORNBECK, ESQUIRE ATTORNEY J.D. NO. 80057 1020 N. KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF BANK OF AMERICA, NA PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO. 01-6380 Civil Term JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN DEFENDANT(S) AFFIDAVIT OF NON-MILITARY SERVICE THOMAS'1. HORNBECK, ESQUIRE, being duly sworn according to law, deposes and says that he is attorney for Plaintiff in the above-captioned matter, that he makes this Affidavit on Plaintiff's behalf, and that the statements in this Affidavit are true to the best of his knowledge, information and belief. Defendants, JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN, are over 21 years of age. Their last employment is unknown. Defendants are not in the military service of the United States as contemplated by the Soldiers' and Sailors' Civil Relief Act, as amended. This Affidavit is made in cOlmection with the judgment upon a note and mortgage secured upon the premises located at 318 STUMPSTOWN ROAD BY: MECHANICSBURG, PA 17055, SWORN TO AND SUBSCRIBED BEFORE ~~~IS //'#1 DAY OF _., 20_~ ~- ,Jc:~~ - 'k ~~-~ June 10, 2002 TERRll. SMITH ; .... " . NOTARY PUBLIC OF NEW JERSEY . 1/"'\[\ t MY COMMISSION EXPIRES JAN. 28, ()(VV )~IJ"-'-'. 1~~~j~_iiiiM~ ",~ ~M,~ki:fliJM~I~;;~ 1l-_,-"~,;"""-~'",___"",,,,',,," ,..,~,,~.. -- .,-:" ,";.. l>~w~ ~<o .,'~ 0 0 0 C "',) -n .."t15 r_ ._,,\ c:: :;_!:. -1'1 ~c;:; Z ,,--:;::; ~-' (" Z"'- O!~ rv ':-~{Q. -< !;20 " ?~, -Ti ~o :x hC) 5>8 t:':' ~m ~ .~ N ~ (J1 -< \ )', n"^ - --' lfu;- _ ~ . SPEAR & HOFFMAN, P.A. BY: THOMAS J. HORNBECK, ESQUIRE ATTORNEY LD. NO. 80057 1020 N. KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF BANK OF AMERICA, NA PLAINTIFF, COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY vs. JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN DEFENDANT(S) NO. 01-6380 Civil Term CERTIFICATION OF ADDRESS I hereby certify that the correct address of the judgment creditor (Plaintiff) is: BANK OF AMERICA, NA 475 CROSSPOINT PARKWAY P.O. BOX 9000 GETZVILLE, NY 14068-9000 and that the last Iaiown address(es) of the judgment debtor (Defendant (s)) is (are): JOSEPH EDWARD MARTIN 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055 PATRICIA ANN MARTIN 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055 ~",.'~",-.' ,- ,~-"",,-., ..~~.";' ,,' --- ';;;'-~y {,"h},,,,, ~!t ,.'!ii&''':;,,' - ' '''''''' WAl~~i~~ia!j~'~ "J;,,,:.:.",~:e;.~;,.~~~0-"";.\'=~ia<j~iM-' "'Lli;U{'. -J:,"'~;?,~ ~""'L , '~"A_'_"'",^_."","", 0' ," ._," ~_~ , J " ~'" ~ ~" . ~ 0 0 N ~"'i.i t- ,----\ -~ -00:; c:: ;=!,=;~ g2rn ~ ::(i ~~,~) Z"- N co.~., 2"'"- .-Cl '" ~~~ 11 ,.... -,~ ~o -"~ '-;:C"} -0 ~ (--)rn :J>c: '::-\ Z N ~ =< (J1 '-< L~~ '0',,' , ~,"" ,~_~o, ~ ....~ ,~ 'cd' ~ ,-,_ ."'_0. _." ~, ~.~ - . ~ , ' - I~ ."',"" '.',. ~.- """""ii\"=&'?'"f"~"'~~'''-.''''"__, ~:.;.,~\ ,'q'~ . IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA CIVIL DIVISION PRAECIPE FOR WRIT OF EXECUTION BANK OF AMERICA, NA ( ) Confessed Judgment ( Other vs, FileNo, 01-6380 Civil Term Amount Due $124,996.41 JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN Interest Atty's Comm Costs TO THE PROTHONOTARY OF THE SAID COURT: The undersigned hereby certifies that the below does not arise out of a retail installment sale, contract, or account based on a confession of judgment, bnt if it does, it is based on the appropriate original proceeding filed pursnant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended. Issue writ of execution in the above matter to the Sheriff of CUMBERLAND debt, interest and costs upon the following described property ofthe defendant(s) County, for 318 STUMPS TOWN ROAD MECHANICSBURG. PA 17055 PRAECIPE FOR A TT ACHMENT EXECUTION Issue writ of attachment to the Sheriff of CUMBERLAND County, for debt, interest and costs, as above, directing attachment against the above-named garnishee(s) for the following property (if real estate, supply six copies of the description; supply four copies oflengthy personalty list) and all other property of the defendant(s) in the possession, custody or control of the said garnis DATE: June 10. 2002 defendant(s) (Indicate) Index this writ against the garnishee(s) as a . described in the attached exhibit. J. HORNBECK ES UlRE Address: 1020 N. Kings Highwav. Suite 210 Cherry Hill. N.J. 08034 Attorney for: BANK OF AMERICA, NA ~' - _',U' ,', .._', ''',. <""';""'''''''''''''''''''''__;'''~'''--~lI:i' --i't~j'- ", .:. b,t" -"""'~'!n.'f"">W""'-'~~Q"~7 . , Z ~ !:2 -< -< ;:;E 0 Z - p;,.~ N O~ Z ~ "'~ -< 'f-< '" -<....l -< -<~(<) , ~O ~>- ~ Z.., p.,CI'J~ ....l", -- ,0 Zz -< f-< !5..s -<-<",'0 ., o~ -< ;:;Ei:;:z:s f-< ;:;E~ U ~ U <.> - sa ~ ~ p;,.::r: "or; ;:;E " 0 '" p;,.o....lor; .~ - > 0>- ~ Z '" o_dr--- iJ u~ ;:;E ~ -< ",'" 0 ::r:::r:::r:G -< > ., U o(j"'>-~ 0 p;,.~ Z '" on 00 Ofll, (<) 00 p;,. ~ p:~~~ '0 f-<U 0 !:2 f-<1:: 1;; , iiiS2~ - p:o ~ -< ~~ '" f-< c: '" ~ ,::r: 0 ~z Z ;:;E '0 o(j 0 "'zu Z 0-< ~ ~ '<;i ..; U U....l ~ ~ ....l 0 ~p: N € -< 0 ::r:~ ,'.::f f-< - f-<!:Xl 0 ... 0 z;:;E 0 ... i:;: f-< ~~ ~ ~ U ::r: ~ 0 0 0 ~ ~ ~ N 'Tl '" t.... .-; 0 ;:RCD <= ~}~ :rJ -. zp ;<:: f> ~ J? Zr-' -om (,I),)." N :n? ~<: :;; fd r-i <lo..._ -0 ;c :7i WJ ""c' ~i. "" 14 ~c5 "~O 0( "" () Pc: '>? ofn \" cl: ' , 2: -I ~ g ::< (.,."' ?t; 0"> -< ~", ~~:L~","4.F'"~"",,~,,,,""~""""'" ,_" ,~ ",',' ,,,I,~,, ,~, ,"_-W"'''''~_''..''~><1'''''''"O'~""",.,,." ' ''',>c~h',~,,,", ,,", ""I~,,,"_~, w"_"__"",,,,~ ."~" ","_ --- - , I. ,.,,"~, ---",~.,",'",-, L"~"..A.;"';;'i~illi.t~,:, ALL THAT CERTAIN TRACT OF LAND SITUATE IN THE TOWNSHIP OF MONROE, COUNTY OF CUMBERLAND AND STATE OF PENNSYLVANIA BEING MORE , PARTICULARLY BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT; BEGINNING AT A STEEL PIN SET ON THE WESTERNMOST DEDICATED RIGHT-OF-WAY LINE OF THE STUMPSTOWN ROAD (T-570), SAID PIN MARKING THE COMMON POINT OF ADJOINER OF LOTS NOS. 16 AND 17 ON THE HEREINAFTER MENTIONED PLAN OF SUBDIVISION; THENCE DEPARTING FROM THE STUMPSTOWN ROAD RIGHT-OF-WAY AND EXTENDING ALONG LOT NO. 17, SOUTH 67 DEGREES 18 MINUTES 28 SECONDS WEST, FOR A DISTANCE OF 280.00 FEET TO A STEEL PIN; THENCE EXTENDING ALONG LOTS NOS. 17, 18 AND 19, SOUTH 21 DEGREES 36 MINUTES 51 SECONDS EAST FOR A DISTANCE OF 320.00 FEET TO A STEEL PIN AT A FENCE LINE AT LANDS NOW OR FORMERLY OF MAGARO; THENCE EXTENDING ALONG LANDS NOW OR FORMERLY OF MAGARO, SOUTH 67 DEGREES 18 MINUTES 28 SECONDS WEST, FOR A DISTANCE OF 205.00 FEET TO A STEEL PIN AT LOT NO. 15 ON THE HEREINAFTER MENTIONED PLAN OF SUBDIVISION; THENCE EXTENDING ALONG LOT NO. 15 THE FOLLOWING THREE COURSES AND DISTANCES: NORTH 04 DEGREES 29 MINUTES 33 SECONDS WEST, FOR A DISTANCE OF 420.00 FEET TO A STEEL PIN; THENCE CONTINUING NORTH 67 DEGREES 18 MINUTES 28 SECONDS EAST, FOR A DISTANCE OF 260.00 FEET TO A STEEL PIN SET ON THE WESTERNMOST DEDICATED RIGHT-OF-WAY LINE OF THE STUMPSTOWN ROAD; THENCE EXTENDING IN AND ALONG THE WESTERNMOST DEDICATED RIGHT- OF-WAY LINE OF THE STUMPSTOWN ROAD, SOUTH 21 DEGREES 36 MINUTES 51 SECONDS EAST FOR A DISTANCE OF 120.00 FEET TO A STEEL PIN ON SAID DEDICATED RIGHT-OF-WAY LINE OF LOT NO. 17 ON THE HEREINAFTER MENTIONED PLAN OF SUBDIVISION, SAID PIN MARKING THE PLACE OF BEGINNING. CONTAINING 2.111 ACRES, AND BEING DESIGNATED AS LOT NO 16 ON A FINAL PLAN OF SUBDIVISION OF MONROE MEADOWS, PREPARED FOR KIMA, INC., BY STATLER AND LAHR, REGISTERED ENGINEERS BEING THE SAME PREMISES WHICH KIMA, INC BY DEED DATED NOVEMBER 07, 1987 AND RECORDED NOVEMBER 19, 1987, IN THE RECORDER'S OFFICE IN AND FOR CUMBERLAND, PENNSYLVANIA, IN DEED BOOK VOLUME 833 PAGE 175, GRANTED AND CONVEYED UNTO JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN, HUSBAND AND WIFE, THE MORTGAGOR HEREIN. ~a;"""1 ., ~_.....mr " "~~i)'~r1,'l!iI&-,Mk.."IllN~!;"i!i!;li!)!i'-':'ifimlA':~,M~""!\U:-Ma"M~~i:!O:llH_ <'~~~~~iINim, ,;lint. ",~-._~~_ ,"' ~.~"._ ""~_,, "t~_ ,~,"> '~'" ..H<."""",I, ~, '..~=.=,~,~ . ~ ~~ ~1 --- '" ~ 'l-l U\ -C :;r-~'~- vo't; -"'-.t"'v,,,,,,,~ ~-.\~f'o ~V-':-~"I-;O (" . 'fl 'l .~ 'G> 'C} % '@.'b- '% , ~ "- )-... ::- % t '. .." ~" ,~ ",'~, ~ ~~ ~ ---- " Q c ~ ~f1.1 1?"'::P ~c;:, (p..-.. C/ "'-. ?Cj >.<:~ %0 $~ '- "\ ~ ~ o N ~ ore - N -0 :1' r;-? N U'I q, .-~ -c.-r, ~-~~ tr: ',~, -:Q. 1... ~-~L) -::?::>;{ B(') 8ft1 "-I ?fi "'" """""""",,,,""""~h~ ,_ .~ ~~ ~~. - ~,~~ "'....,,,-'- "~;""'''''~~,i;llli WRIT OF EXECUTION and/or ATTACHMENT . COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 01.6380 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due BANK OF AMERICA NA Plaintiff (s) From JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN (1) You are directed to levy upon the property of the defendant (sland to sell 318 STUMPSTOWN ROAD, MECHANICSBURG P A 17055 . (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) Ifproperty of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify himlher that he/she bas been added as a garnishee and is enjoined as above stated. Amount Due $124,996.41 Interest Ally's Comm % L.L. $0.50 Ally Paid $307.40 Plaintiff Paid Date: JUNE 12, 2002 Due Prothy $1.00 Other Costs CURTIS R. LONG (Seal) Prothonotary By: ~{L ~ Deputy REQUESTING PARTY: Name THOMAS J. HORNBECK, ESQUIRE Address: 1020 N KINGS IDGHW AY SmTE 210 CHERRY lULL, N J 08034 Attorney for: PLAINTIFF Telephone: (856) 755-1560 Supreme Court ID No. 80057 < 0 _ ._ "~ ,,~ ~ I'"'' - .-,,,~ ."" ,."",-,--"""""~",,,,~"','. ";,; '" ',.,~,), "'~'!\lt.""'':;';J~("~'::~: " ~ . .. '. SPEAR & HOFFMAN, P.A. BY: THOMAS J. HORNBECK, ESQUIRE ATTORNEY J.D. NO. 80057 1020 N. KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF BANK OF AMERICA, NA PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO. 01-6380 Civil Term JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN DEFENDANTS AFFIDAVIT PURSUANT TO RULE 3129.1 BANK OF AMERICA, NA, Plaintiff in the above action, by its attorney, THOMAS 1. HORNBECK, ESQUIRE sets forth, as of the date the Praecipe for the Writ of Execution was filed, the following information concemmg the real property located at 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055: 1. Name and address of Owner( s) or Reputed Owner( s): JOSEPH EDWARD MARTIN 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055 PATRICIA ANN MARTIN 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055 2. Name and address of Defendant(s) in the judgment: JOSEPH EDWARD MARTIN 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055 PATRICIA ANN MARTIN 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: ALLEGHENY COUNTY TAX LIEN REFERENCE UDT -00015885-2000 I COURTHOUSE SQUARE CARLISLE, PA 17013 . .,~,' ,~ ~ ~ ''''-'': I,,," ,',"':1'__ ,;i',',,:;:~i,;~;J"~;;;;'~k~j,.;"'''>}j''''-'~'O~;"'.~,__i'';'''':i.;,. - J""- ",' ."'\ , , , - 4. Name and address of the last recorded holder of every mortgage of record: BANK UNITED OF TEXAS FSB COMMONWEALTH UNITED MORTGAGE 3461 MARKET STREET CAMP HILL, PA 17011 BANK OF AMERICA 475 CROSSPOINT PARKWAY PO BOX 9000 GETZVILLE, NY 14068-9000 5. Name and address of every other person who has any record lien on the property: NONE 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: DEBORAH A. HUGHES REFERENCE #BK-00000684-2000 258 NORTH STREET PO BOX 961 HARRISBURG, PA 17108 CHARLES J. DEHART, 1II CIO DEBORAH A, HUGHES REFERENCE #BK-00000684-2000 258 NORTH STREET PO BOX 961 HARRISBURG, PA 17108 DOMESTIC RELATIONS P.O. BOX 320 13 N. HANOVER ST. CARLISLp, PA 17013 COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE - LIEN BUREAU OF COMPLIANCE DEPT. 280946 HARRISBURG, PA 17128-0946 ATTENTION: SUE BLOUGH CUMBERLAND COUNTY TAX CLAIM BUREAU 1 COURTHOUSE SQUARE CARLISLE, PA 17013 CAROLYN MCQUILLEN TAX COLLECTOR 1044 PINE ROAD CARLISLE; PA 17013 .' _ __", ',"'~/'"' '" ;I ",0 ~', _'-,'1 ;';"";": -;:'-"';:'~' ;.,,;'o>':^.h:"'-id,J~:b~,:-..-','" " '; ''':'~ 'I ii.:'J"""'~1 . ' - " , . . 7, Name and'address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT(S)/OCCUPANT(S) 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055 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. ~4904 relating to unsworn falsification to authorities. , 1. RNBECK, ESQUIRE for Plaintiff . ,', ,- , ;i;'fi~:';"~t~~~~~_"" ,-", ~'l'j~~~~~i~~["<" ':U~~" - "00 ~ ~_ ",_,,~ '''''''',"",., ,~,',' ,,' '""t^~,. ~,,'_~ ill"" -:'.,j,.; ,~-'d'_ - -= _"0.00" .0 0 "~'~"- , . , - ^' ,~'" ~" . . . o . _ ~ I , <:1 0 0 N ..1 ~ ~ .~ :C-n -UP" ;;e. \-\-,p mfT1 ..-,rn Z:'J2 - .,.n zr..... N ~3b W2' =-1-\1 :c<:c~ -0 ~-r: -r1 c:2.J :> 06 )':0 ::Z-rn Zo r:-? (2- PC ?S ~ :-.) 0' :<: ~ ....... - ~- .~, '<' 'l" _ _, . .,',< '~I' ~it'\">,_,, '-J -, ' ,-;" <'. ""~'"""'-"''''.''''';'';''' - )"0;,,,;:, ,; ~ _ ~.,"'. .~".:..Yil SPEAR & HOFFMAN, P.A. BY: THOMAS J. HORNBECK, ESQUIRE ATTORNEY I.D. NO. 80057 1020 N. KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF BANK OF AMERICA, NA PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO.01-6380 Civil Term JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: JOSEPH EDWARD MARTIN 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055 Your house (real estate) at: 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055 is scheduled to be sold at Sheriff's Sale onSEPTEMBER 4,2002 at: CUMBERLAND COUNTY COURTHOUSE 2ND FLOOR, COMMISSIONERS HEARING ROOM 1 COURTHOUSE SQUARE CARLISLE, PA 17013-3387 at 10:00 a.m. to enforce the court judgment of $124,996.41 obtained by BANK OF AMERICA, NA against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale you must take immediate action: 1. The sale will be canceled if you pay to BANK OF AMERICA, NA the amount of the judgment plus costs or the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you rnust pay, you may call: (856) 755-1560. 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 be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) ,"" , ',_ "..x~'~~ YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SIl:ERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You ll1ay find out the price bid by calling (717)240-6390. 2. You ll1ay 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 fmd out if this has happened, you may call (717)240-6390. 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 may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later thanOCTOBER 4, 2002 This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HA VB A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY COURTHOUSE 1 COURTHOUSE SQUARE CARLISLE, PA 17103 PURSUANT TOJ.'HE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT TIDS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ";;""~L,UUI IN Tlnt.[' [I.LI L~,J].L[l(lJjJll)'I,;),;"L~;:;,:LN,:~x.I '. i.+,"'"',,,.> ".A'f1;!:;.->.."\ I .....". .I.,,,,,.... ' ., , <2 CJ () \'" -n :e ,- -oC'f, c:: -t?:~1;'~ n"\rc~ re ':Z: -,:fJ - _,...,rn ~~i '" ~~~t) ~c -0 ~,;:':J0_ %0 d (:-)-'.~ _w :;;-~(~ -f"-;tr' yO 'l'.:"? ,~ ~ -\ N 'V (f' ~ ~~ d ~' . "..~."".,.,.--.;~, ;",,;,""~",~,'1 ','i'C."''''''~/'''' ,',",'- ~" '-; >1,,-,,,,,,,,1,",-,,, ~"~; ,,', """;:,;,,,-:0;" '-'--',",,\ .' -,,-,,~ "."U~~'\~{'" -, .' ,.'-,,' " rd" ':--. ;~:,~ . , ~ Spear & Hoffman, P.A. BONNIE L. DAHL, ESQUIRE Attorney I.D. No. 79294 1020 N. Kings Highway, Suite 210 Cherry Hill, NJ. 08034 (856) 755-1560 Attorney for Plaintiff BANK OF AMERICA, NA COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO. 01-6380 Civil Term JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN Defendant CERTIFICATION OF NOTICE TO LIENHOLDERS PURSUANT TO PA R.C.P. 3129.2 (C) (2) I, BONNIE L. DAHL, ESQUIRE, Attorney for Plaintiff, hereby certify that Notice of Sale was served on all persons appearing on Plaintiff's Affidavit pursuant to PA R.C.P. 3129.1, by United States mail, first class, postage prepaid, with Certificates of Mailing, the originals of which are attached as Exhibit "A". The undersigned understands that the statements herein are subject to the penalties provided by 18 P.S. Section 4904. Respectfully submitted, SPEAR & HOFFMAN, PA BY: /2-- . BONNIE L. DAHL, ESQUIRE \{ " 00 -n 0 3 .. ClI .... :' ;r " ~ ~ -< ~ '" ~ I-- "~ ...lie> " I,,',';' ,,;1,.:,',> >>.' ,',,'':;,;,;','',.['.'"'' <':;"O--t'::;"'c.,/i;;,~ "..< '" ","..:wOO" :'\"',1 '~:,! r-< ~ ~ ~ ~ ~ ~ co '" ...., '" 01 ... W I\) ~ [~ 01 ... .. '" ~ 0 :l.z I\) OJ "" 01 0 w 3 ~ . ~ - )> , ~ ~ ~i . o . 0 . . 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CD N ~ o iDooo~ o ()5':JJi') ~ O~.2: ~ ;;On: ~'~ (\I alii^< ~ "" o. ~2. 3 00 o~ "0 rn-:::.";D [ ~~:::m. ~ ~~~3 1Il l.'Oo:D ?:g ~1Il /II a.::I 0 ." :::~Q,.a ~ o~- !l 0" ,. ~ 2: w 5' ~ Do:DO :E:Ec83 "" ::+ Vi" ~ ;:r;:rr+;J; ad'i~ .,,1II Q."t:I g ~ S:O ~;;lll-g = ~ ?":' n;. ," ~ .. .. ~ g !2: , 0 g ~ Q ",I; :D" o < -. . r-i ~:;\/:~> . (;':"\.i\~ ',~5);' , ..# ",'" I ~:~ li.=,~~,' ',;> '. , (~I~ ..~~th\.. 1('. I . ''''I'l'~~/' ~,,;~. (~ ~.!\,~ V <, !.~ . - . . ~ ~ ~ &~ ~ ;, CI <II ~. _.]0( o (/) ~ 5'g'!n- o ID ~ ~!!l. lb ~!:~~i 1-. &":;q~ ~ ~(/) a.::; O'c.-( ~ ;, il'~ \~ in, .~ ~ - (,~, ~ ...,,\ I' ~ " t-.-, 1 :5'" ~..~~ {...., ~..;;,,./)-.I~~~, ~ ~ if III li!~! r~ III~: ..,....,.. '',It *.. "" ..,'b,....,-t- WI; ~lii.Lw.i7J.K[ -~ , ^ " '~'i",,-;;".'",:-;,,,'a,,,;';:<"U:"'Cl;,l~lId:m ~~.I~~(~~,,2;-";'8.:';;';"';";~1'~""'::" "-"--"';~~~~~UiiI~~' I lO' ..~_ _....._ ", , .. .,""~ " . _ C'~ .--,..~, ','",,""'. ." -,> -'.'4"~ ~~ , - i I I I I i 0 0 (:J C f"'~) " $~ l"J -rJrr' rT1{r c.-) Z::r-' Ze- I :~jd SJ< :~- (.n ~C) c;c~~ -'0 ~~ 21 ~() zO '";;0 (..) oln -c: ~ '.'4 )':,.. -.J :0 -< f1; .~ ~ -L-" ~ ~I 'M ,....~.l ' ^ ~,. .,,' " : ,"",,,,--. .~ "'ii'L'<~i, .' , - COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND } SS: I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify that the Sheriffs Deed in which Veterans Affairs is the grantee the same having been sold to said grantee on the 4th day of Sept A.D., 2002, under and by virtue of a writ Execution issued on the 12th day of June, A.D., 2002, out of the Court of Common Pleas of said County as of Civil Term, Ql Number 6380, at the suit of Bank of America NA against Joseph Edward Martin & Patricia Ann is duly recorded in Sheriffs Deed Book No. 253, Page 3685. IN TESTIMONY WHEREOF, I have hereunto set my hand and seal of said office this ;{~ day of JJ~ /. R corder of Deeds __alDoedI,~COUIlIY.=& My CcnlIIII88lIlI1..... the FfnII MondiIV ,~ ~t3,~ , A.D. 2002 o'~_."'"""""" ,~. ,__~~_~ ._<-~ "- --. ..1 _ ~,~; -~ -" :)"*l:(l'~',;,~;:j . . Bank of America, NA VS Joseph Edward Martin and Patricia Ann Martin In The Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2001-6380 Civil Term R. Thomas Kline, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendants, to wit: Joseph Edward Martin and Patricia Ann Martin, but was unable to locate them in his bailiwick. He therefore deputized the Sheriff of Dauphin County, Pennsylvania to serve the within Real Estate Writ, Notice and Description according to law. DAUPHIN COUNTY RETURN: I, Jack Lotwick, Sheriff of the County of Dauphin, State of Pennsylvania, do hereby certify and return, that I made diligent search and inquiry for Joseph Edward Martin, the defendant named in the within Real Estate Writ, Notice & Description and that I am unable to find him in the County of Dauphin, and therefore return same NOT FOUND, July 12, 2002. Per Lori Vargo, resident, says defendant does not live there at 4000 Lexington Street, Harrisburg, P A. So answers: J. R. Lotwick, Sheriff of Dauphin County, P A. DAUPHIN COUNTY RETURN: I, Jack Lotwick, Sheriff of the County of Dauphin, State of Pennsylvania, do hereby certify and return, that I made diligent search and inquiry for Patricia Ann Martin, the defendant named in the within Real Estate Writ, Notice & Description and that I am unable to find her in the County of Dauphin, and therefore return same NOT FOUND, July 12, 2002. Per Lori Vargo, resident, says defendant does not live there at 4000 Lexington Street, Harrisburg, P A. Need a better address. So answers: J. R. Lotwick, Sheriff of Dauphin County, P A. Dawn Kell, Deputy Sheriff, who being duly sworn according to law, states that on July 8, 2002 at 9:25 o'clock A.M., she posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Joseph Edward Martin and Patricia Ann Martin located at 318 Stumpstown Road, Mechanicsburg, Pennsylvania, according to law. R. Thomas Kline, Sheriff, who being duly sworn according to law, states that after due and legal notice had been given according to law, exposed the within described premises at public venue or outcry at the Courthouse, Carlisle, Cumberland County Pennsylvania, on September 4,2002 at 10:00 o'clock A.M. He sold the same for the sum of$1.00 to Attorney Thomas J. Hornbeck for Department of Veterans Affairs. It being the highest bid and the best price received for the same Department of Veterans Affairs of 1000 Liberty Ave., Pittsburgh, PAl 5222, being the buyer in this execution paid SheriffR. Thomas Kline, the sum of $956.92, it being costs. Sheriff s Costs: Docketing Poundage Posting Handbills $30.00 18.76 15.00 "', "' . . ~.-.....-............... ,""J, "" Advertising Acknowledging Deed Auctioneer Law Library Prothonotary Mileage Certified Mail Levy Surcharge Law Joumal Patriot News Share of Bills Distribution of Proceeds Sheriff s Deed 15.00 30.00 10.00 .50 1.00 12.42 2.29 15.00 30.00 372.35 280.15 25.20 25.00 29.50 $ 956.92 paid by attorney 9/19/02 .-1- ~ "-'~'Ji' Sworn and subscribed to before me So Answers: ~ This!LLdayof O~ ~~~ 2002, A.D. q,v" () r~lA..k.,,~ BY'\..I()~(~ rothonotary Real Estat Deputy ~ ~ 3[).tJil ~1) j. ",.,13 c.k...3. ;.. {2.v. ,30'1'31.. .,~ . - ,. '.. I. " SPEAR & HOFFMAN, P.A. BY: THOMAS J. HORNBECK, ESQUIRE ATTORNEY J.D. NO. 80057 1020 N. KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF BANK OF AMERlCA, NA PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO. 01-6380 Civil Term JOSEPH EDWARD MARTIN AND PATRlCIA ANN MARTIN DEFENDANTS AFFIDA VIT PURSUANT TO RULE 3129.1 BANK OF AMERICA, NA, Plaintiff in the above action, by its attorney, THOMAS 1. HORNBECK, ESQUIRE sets forth, as of the date the Praecipe for the Writ of Execution was filed, the following information concerning the real property located at 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055: 1. Name and address of Owner(s) or Reputed Owner(s): JOSEPH EDWARD MARTIN 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055 PATRlCIA ANN MARTIN 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055 2. Name and address of Defendant(s) in the judgment: JOSEPH EDWARD MARTIN 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055 PATRlCIA ANN MARTIN 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: ALLEGHENY COUNTY TAX LIEN REFERENCE UDT -00015885-2000 1 COURTHOUSE SQUARE CARLISLE, PA 17013 '-"'..... I , _, l , ~'" "' "'. -i.' :, " :"i:....'f\j.5&L~'- , .. 4. Name and address of the last recprded holder of every mortgage of record: BANK UNITED OF TEXAS FSB COMMONWEALTH UNITED MORTGAGE 3461 MARKET STREET CAMP HILL, PA 17011 BANK OF AMERICA 475 CROSSPOINT PARKWAY PO BOX 9000 GETZV1LLE, NY 14068-9000 5. Name and address of every other person who has any record lien on the property: NONE 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: DEBORAH A. HUGHES REFERENCE #BK-00000684-2000 258 NORTH STREET PO BOX 961 HARRISBURG, PA 17108 CHARLES J. DEHART, III CIO DEBORAH A. HUGHES REFERENCE #BK-00000684-2000 258 NORTH STREET PO BOX 961 HARRISBURG, PA 17108 DOMESTIC RELATIONS P.O. BOX 320 13 N. HANOVER ST. CARL1SLp, PA 17013 COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE - LIEN BUREAU OF COMPLIANCE DEPT. 280946 HARRISBURG, PA 17128-0946 ATTENTION: SUE BLOUGH CUMBERLAND COUNTY TAX CLAIM BUREAU 1 COURTHOUSE SQUARE CARLISLE, PA 17013 CAROLYN MCQUILLEN TAX COLLECTOR 1044 PINE ROAD CARLISLE, PA 17013 ~_......,.. d~~ "c- L"...."...,,'-'~,~ " !~~.-h!:lfii-ilj"",'>f-,' . . . 7. Name and .address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANT(S)/OCCUP ANT(S) 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055 1 verify that the statements made in this affidavit are true and correct to the best of my personal knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. ~4904 relating to unsworn falsification to authorities. ,-:iJ -"'"'""'""'-~~ ~ " ,." ..ok, ~ j. " ~'." .' -' .~ 'J.b":''''~'.w.Jr.J '!k' SPEAR & HOFFMAN, P.A. BY: THOMAS J. HORNBECK, ESQUIRE ATTORNEY 1.D. NO. 80057 1020 N. KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF BANK OF AMERICA, NA PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO.01-6380 Civil Term JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: JOSEPH EDWARD MARTIN 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055 Your house (real estate) at: 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055 is scheduled to be sold at Sheriff's Sale onSEPTEMBER 4,2002 at: CUMBERLAND COUNTY COURTHOUSE 2ND FLOOR, COMMISSIONERS HEARING ROOM 1 COURTHOUSE SQUARE CARLISLE, PA 17013-3387 at 10:00 a.m. to enforce the court judgment of $124,996.41 obtained by BANK OF AMERICA, NA against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale you must take immediate action: 1. The sale will be canceled if you pay to BANK OF AMERICA, NA the amount of the judgment plus costs or the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call: (856) 755-1560. 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 be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) ~- > " " ,,' "- , --~ ;;.lia-w;,"'!i..:~"h'c 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 (717)240-6390. 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 (717)240-6390. 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 may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later thanOCTOBER 4,2002 This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are fIled with the Sheriff within ten (10) days after the date of fIling of said schedule. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY COURTHOUSE 1 COURTHOUSE SQUARE CARLISLE, PA 17103 PURSUANT TO THE FAffi DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ~ ~.....~ . .L ~' ~ ; ,~, ;" '" " " _ -',~. j , - .. ,. .~ "-,-,"", ~]'tl"4.., .' . ALL THAT CERTAIN TRACT OF LAND SITUATE IN THE TOWNSHIP OF MONROE, COUNTY OF CUMBERLAND AND STATE OF PENNSYLVANIA, BEING MORE PARTICULARLY BOUNDED AND DESCRIBED AS FOLLOWS TO WIT' , , BEGINNING AT A STEEL PIN SET ON THE WESTERNMOST DEDICATED RIGHT-OF-WAY LINE OF THE STUMPSTOWN ROAD (T-570), SAID PIN MARKING THE COMMON POINT OF ADJOINER OF LOTS NOS. 16 AND 17 ON THE HEREINAFTER MENTIONED PLAN OF SUBDIVISION; THENCE DEPARTING FROM THE STUMPSTOWN ROAD RIGHT-OF-WAY AND EXTENDING ALONG LOT NO. 17, SOUTH 67 DEGREES 18 MINUTES 28 SECONDS WEST, FOR A DISTANCE OF 280.00 FEET TO A STEEL PIN; THENCE EXTENDING ALONG LOTS NOS. 17, 18 AND 19, SOUTH 21 DEGREES 36 MINUTES 51 SECONDS EAST FOR A DISTANCE OF 320.00 FEET TO A STEEL PIN AT A FENCE LINE AT LANDS NOW OR F(),RMERL Y OF MAGARO; THENCE EXTENDING ALONG LANDS NOW OR FORMERLY OF MAGARO, SOUTH 67 DEGREES 18 MINUTES 28 SECONDS WEST, FOR A DISTANCE OF 205.00 FEET TO A STEEL PIN AT LOT NO. 15 ON THE HEREINAFTER MENTIONED PLAN OF SUBDIVISION; THENCE EXTENDING ALONG LOT NO. 15 THE FOLLOWING THREE COURSES AND DISTANCES: NORTH 04 DEGREES 29 MINUTES 33 SECONDS WEST, FOR A DISTANCE OF 420.00 FEET TO A STEEL PIN; THENCE CONTINUING NORTH 67 DEGREES 18 MINUTES 28 SECONDS EAST, FOR A DISTANCE OF 260.00 FEET TO A STEEL PIN SET ON THE WESTERNMOST DEDICATED RIGHT-OF-WAY LINE OF THE STUMPSTOWN ROAD; THENCE EXTENDING IN AND ALONG THE WESTERNMOST DEDICATED RlGHT- OF-WAY LINE OF THE STUMPSTOWN ROAD, SOUTH 21 DEGREES 36 MINUTES 51 SECONDS EAST FOR A DISTANCE OF 120.00 FEET TO A STEEL PIN ON SAID DEDICATED RIGHT-OF-WAY LINE OF LOT NO. 17 ON THE HEREINAFTER MENTIONED PLAN OF SUBDIVISION, SAID PIN MARKING THE PLACE OF BEGINNING. CONTAINING 2.111 ACRES, AND BEING DESIGNATED AS LOT NO 16 ON A FINAL PLAN OF SUBDIVISION OF MONROE MEADOWS, PREPARED FOR KIMA, INC., BY STATLER AND LAHR, REGISTERED ENGINEERS BEING THE SAME PREMISES WHICH KIMA, INC BY DEED DATED NOVEMBER 07,1987 AND RECORDED NOVEMBER 19, 1987, IN THE RECORDER'S OFFICE IN AND FOR CUMBERLAND, PENNSYLVANIA, IN DEED BOOK VOLUME 833 PAGE 175, GRANTED AND CONVEYED UNTO JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN, HUSBAND AND WIFE, THE MORTGAGOR HEREIN. .' ~ - "" -'''''-'''~' '-<"0/0' ,," ,,_, 1_,;, ',,"';' ,'">,,."'J'/": "~"~"".h:' >;":;;;',;r;. '.".0,:;,,,,"", ';.c',,, ",p, ..~ < SPEAR & HOFFMAN, P.A. BY: THOMAS J. HORNBECK, ESQUIRE ATTORNEY LD. NO. 80057 1020 N. KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF BANK OF AMERICA, NA PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO.01-6380 Civil Term JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: PATRICIA ANN MARTIN 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055 Your house (real estate) at: 318 STUMPSTOWN ROAD MECHANICSBURG, PA 17055 is scheduled to be sold at Sheriff's Sale onSEPTEMBER 4, 2002at: CUMBERLAND COUNTY COURTHOUSE 2ND FLOOR, COMMISSIONERS HEARING ROOM 1 COURTHOUSE SQUARE CARLISLE, PA 17013-3387 at 10:00 a.m. to enforce the court judgment of $124,996.410btained by BANK OF AMERICA, NA against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale you must take immediate action: 1. The sale will be canceled if you pay to BANK OF AMERICA, NA the amount of the judgment plus costs or the back payments, late charges, costs and reasonable attorney's fees due. To fmd out how much you must pay, you may call: (856) 755-1560. 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 be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) "f ',.' \ , ,,,'~"d' ." , :"" "~ '-- . ,"<; ~ .' ";,~;,.;'-',:",; ,,1.,;0;' ;C",'-' ,,,,;~,,>,{ - ,; '-. ,.'.eo' ,,';<i,::,~o;;';;"Yi-:" ,,"', ,.' n' ~'~':: . YOU MAY STILL BE ABLE TO SAVE YOBR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SB.ERIFF'S SALE DOBS 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 (717)240-6390, 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 (717)240-6390. 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 may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later thanOCTOBER 4,2002. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule, 7. Y (;m may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP, CUMBERLAND COUNTY COURTHOUSE I COURTHOUSE SQUARE CARLISLE, PA 17103 PURSUANT TO TIlE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ...,-...,~ ~ ~ '''''''' - ~~. 'U ~ <;-" 'I _i;,1 ,'~ , "~-'" 0'. ~"""'~k; . ALL THAT CERTAIN TRACT OF LAND SITUATE IN THE TOWNSHIP OF MONROE , COUNTY OF CUMBERLAND AND STATE OF PENNSYLVANIA BEING MORE , PARTICULARLY BOUNDED AND DESCRIBED AS FOLLOWS TO WIT' , , BEGINNING AT A STEEL PIN SET ON THE WESTERNMOST DEDICATED RIGHT-OF-WAY LINE OF THE STUMPSTOWN ROAD (T-570), SAID PIN MARKING THE COMMON POINT OF ADJOINER OF LOTS NOS. 16 AND 17 ON THE HEREINAFTER MENTIONED PLAN OF SUBDIVISION; THENCE DEPARTING FROM THE STUMPSTOWN ROAD RIGHT-OF-WAY AND EXTENDING ALONG LOT NO. 17, SOUTH 67 DEGREES 18 MINUTES 28 SECONDS WEST, FOR A DISTANCE OF 280.00 FEET TO A STEEL PIN; THENCE EXTENDING ALONG LOTS NOS. 17, 18 AND 19, SOUTH 21 DEGREES 36 MINUTES 51 SECONDS EAST FOR A DISTANCE OF 320.00 FEET TO A STEEL PIN AT A FENCE LINE AT LANDS NOW OR FORMERLY OF MAGARO; THENCE EXTENDING ALONG LANDS NOW OR FORMERLY OF MAGARO, SOUTH 67 DEGREES 18 MINUTES 28 SECONDS WEST, FOR A DISTANCE OF 205.00 FEET TO A STEEL PIN AT LOT NO. 15 ON THE HEREINAFTER MENTIONED PLAN OF SUBDIVISION; THENCE EXTENDING ALONG LOT NO. 15 THE FOLLOWING THREE COURSES AND DISTANCES: NORTH 04 DEGREES 29 MINUTES 33 SECONDS WEST, FOR A DISTANCE OF 420.00 FEET TO A STEEL PIN; THENCE CONTINUING NORTH 67 DEGREES 18 MINUTES 28 SECONDS EAST, FOR A DISTANCE OF 260.00 FEET TO A STEEL PIN SET ON THE WESTERNMOST DEDICATED RIGHT-OF-WAY LINE OF THE STUMPSTOWN ROAD; THENCE EXTENDING IN AND ALONG THE WESTERNMOST DEDICATED RIGHT- OF-WAY LINE OF THE STUMPSTOWN ROAD, SOUTH 21 DEGREES 36 MINUTES 51 SECONDS EAST FOR A DISTANCE OF 120.00 FEET TO A STEEL PIN ON SAID DEDICATED RIGHT-OF-WAY LINE OF LOT NO. 17 ON THE HEREINAFTER MENTIONED PLAN OF SUBDIVISION, SAID PIN MARKING THE PLACE OF BEGINNING. CONTAINING 2.111 ACRES, AND BEING DESIGNATED AS LOT NO 16 ON A FINAL PLAN OF SUBDIVISION OF MONROE MEADOWS, PREPARED FOR KIMA, INC., BY STATLER AND LAHR, REGISTERED ENGINEERS BEING THE SAME PREMISES WHICH KIMA, INC BY DEED DATED NOVEMBER 07, 1987 AND RECORDED NOVEMBER 19,1987, IN THE RECORDER'S OFFICE IN AND FOR CUMBERLAND, PENNSYLVANIA, IN DEED BOOK VOLUME 833 PAGE 175, GRANTED AND CONVEYED UNTO JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN, HUSBAND AND WIFE, THE MORTGAGOR HEREIN. 'lit .' ~- ~ >d.""-_...J Jn~' " ~;o.- < .'MIiiia!\C r;'':iiffi::~'''''''-!r~"",-,i~, ~~L ~~ " . WRIT OF EXECUTION and/or ATTACHMENT . . COMMONWEALTH OF PENNSYL VANTA) COUNTY OF CUMBERLAND) NO 01-6380 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due BANK OF AMERICA NA Plaintiff (s) From JOSEPH EDWARD MARTIN AND PATRICIA ANN MARTIN (I) You are directed to levy upon the property of the defendant (s)and to sel1318 STUMPSTOWN ROAD, MECHANICSBURG PA 17055. (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) Ifproperty of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify himlher that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $124,996.41 Interest Atty's Comm % Atty Paid $307.40 Plaintiff Paid Date: JUNE 12, 2002 (Seal) REQUESTING PARTY: Name THOMAS J. HORNBECK, ESQmRE Address: 1020 N KINGS mGnw AY SUITE 210 CHERRY mLL, N J 08034 Attorney for: PLAINTIFF Telephone: (856) 755-1560 Supreme Court ill No. 80057 L.L. $0.50 Due Prothy $1.00 Other Costs CURTIS R. LONG Prothonotary By:~(l~ Deputy 'i ,-", ", . ",":.;,~;.i~"",j"'":",'"~!V!tt~i'!U,.,~:lilir:IS\i:l*!~~~""",-~g;$!1i~~J:.filiilli!--~"-mwi:l H!i1!1i.il~l!iil~;n,~j~ , . , " Real Estate Sale # 59 On June 17, 2002 the sherifflevied upon the defendant's interest in the real property situated in Monroe Township, Cumberland County, P A known and numbered as 318 Stumpstown Road, Mechanicsburg, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: Jlme 17, 2002 By:JOcLt~ Real Estate Deputy s c;;;J evil c::::::J Gi> (NQ. \.'Ii H:"\. ,'i:' , :(jrJ 'I. ,I ',I E E! unr Alii;" . :/.:HlJ3HS " "f'j;IJ ,; :::.,"jJ() , I~ - - . ,_I~ ,",- ,'- .~"~~... o ~~ ,- '.'~ v." ; '"..: " ,. - fu(u,"' ;,; , "",,~I . PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16,1929), P. 1.1784 STATE OF PENNSYLVANIA : ss. COUNTY OF CUMBERLAND ": Roger M. Morgenthal, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regnlarly 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 011 the following dates, VIZ: JULY 26, AUGUST 2, 9, 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 subj ect matter ofthe aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. ~-- Roger M. Morgenthal, Editor " SWORN TO AND SUBSCRIBED before me this 9 day of AUGUST. 2002 !~ NOli NlIIc LOISE.~~~. C8IllslG Bom. "",,_IlIIN 5 My CommIi9lon Expires Man:h . " , , _ "_J""~ " j', REAL ESTATE SALE NO. 59 Writ No. 2001-6380 Civil Bank of America. NA vs. Joseph Edward Martin and Patricia Ann Martin Atty.: Thomas J. Hornbeck ALL THAT CERTAIN tract of land situate in the Township of Monroe, County of Cumberland and State of Pennsylvania. being more particu- larly bounded and described as fol- lows. to wit: BEGINNING at a steel pin set on the westernmost dedicated right-of- way line of the Stumps town Road (T-570). said pin marking the corn- man point of adjoiner of Lots Nos. 16 and 17 on the hereinafter men- tioned Plan of Subdivision; thence departing from the Stumps town Road right-of-way and extending along Lot No. 17. South 67 degrees 18 minutes 28 seconds West, for a . distance of 280.00 feet to a steel pin: thence extending along Lots Nos. 17. 18 and 19. South 21 de- grees 36 minutes 51 seconds East for a distance of 320.00 feet to a steel pin at a fence line at lands now or formerly of Magara; thence ex- tending along lands now or formerly of Magaro. South 67 degrees 18 minutes 28 seconds West, for a dis- tance of 205.00 feet to a steel pin at Lot No, 15 on the hereinafter men- tioned Plan of Subdivision; thence extending along Lot No. 15 the fol- lowing three courses and distances: North 04 degrees 29 minutes 33 seconds West. for a distance of 420.00 feet to a steel pin; thence continuing North 67 degrees 18 minutes 28 seconds East. for a dis- tance of 260.00 feet to a steel pin set on the westernmost dedicated right -of-way line of the Sturnpstown Road: thence extending In and along the westernmost dedicated right -of- way litie of the Stumpstown Road, South 21 degrees 36 minutes 51 seconds East for a distance of 120- .00 feet to a steel pin on said dedi- cated right-of-way line of Lot No. 17 on the hereinafter mentioned Plan of Subdivision. said pin marking the place of beginning. CONTAINING 2.111 acres. and being designated as Lot No. 16 on a fmal plan of subdivision of Monroe Meadows, prepared for Kima, Inc., by Statler and Lahr, registered en- gineers. BEING the same premises which Kima, Inc. by Deed dated Novem- ber 07, 1987 and recorded Novem- ber 19. 1987, in the Recorder's Office in and for Cumberland. Penn- sylvania, in Deed Book Volume 833 Page 175. granted and conveyed unto Joseph Edward Martin and Patricia Ann Martin. husband and wife. the mortgagor herein. J ,,,.; .,,",~,,";l" '0:'., ",;,",~ ''';''1 ~'"",;'.:,i;; ",<j.;,:..",; '~'i;<i:'4t{~ ~~ - ~ ~ ,-~............~~ - ~~ l-' L ",.,...,.~,~ ,,'~ 1\liiio:'~~M ~.~" ._",,,,,it..ci,,-~,,." "f "" THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under f>.d No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Frank J. Epler being duly sworn according to law, deposes and says: That he is the Controller of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot-News and~ SlIndav 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 andlor Sundayl Metro editions which appeared on the 23rd and 30th day(s) of July and the 6th day(s) of August 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 publication are true; and That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. " ~ PUBLICATION p-~...................................................................... COpy . e t' th day Au 002 A.D. Notana S ALE #59 T eny l. Russell. Notary Public city Of Harrisburg, Dauphin County My Commission Expires June 6, 2006 , Member, Pennsylvania Association Qf,Notalies I oF"" My commission expires June 6, 2006 CUMBERLAND COUN1Y SHERIFFS OFFICE CUMBERlAND COUN1Y COURTHOUSE CARLISLE, PA. 17013 ~ Statement of Advertising Costs To THE PATRIOT-NEWS CO., Dr. For publishing the notice or publication attached hereto on the above stated dates $ Probating same Notary Fee(s) $ Total $ 278.40 1.75 280.15 i . Publisher's Receipt for Advertising Cost The Patriot News Co., publisher of The Patriot-News and The Sundav Patriot-News, newspapers of general circulation, hereby acknowledge receipt of the aforesaid notice and publication costs and certifies that the same have been duly paid. By.................................................................... ilEAl. 1:;;1)(,1: SALEliIo. j;ij _a Writ No. 2001-6380 Civil Term .~- ~nk.d Amerlta, NA . _._=-=---___ va ." .Josa"h Edward Marlin and ~ ~,~~, Patricia Ann Martin ~:Thomas J. Hornbeck DESCRIf'TION ALL THAT CER1AIN tract of land situate in the Township of Monroe, CflIlnty of Cumberland and -state' of Pennsylvania,. 'being more particularly -1;lQimaeiIilrid-described as follows, to wit: BEGJ:NNING at a steel pin set on the westernmost -dedicated, right- of-way,Jine of the Stumpstown Road (T:57QJ;said pin marking the common point of adjoiner of Lots Nos. 16 and 17 on the he:ceinafterJnentioned P!ao of Subdivision; thence .departing from the Stumpslov,'n Road right-or-way. amLextending.alot1&---LotNo. 17, south 67 degrees 18 minutes 28 seconds west, for a distance of 1.80,00 feet to a steel pin; thence extending along Lots..Nos. 17, 18 and 19, south 21 degrees 36' minutes.5Lseconds east for a distance of 320,00 f.eeUQa steel pin at a fence line at lands now or fuonerly of 11agaro; thence extending along lands llOW'or formerly of Magaro, south 67 degrees 18 minutes 28 'seconds west. for a distance of 205.(;() feelto-a steel pin at Lot No, 15 on the hereinafter nj.~.Med plan of subdivision; thence ex.tending along Lot No. 15 the following three course:. and dis-tances: North 04 degrees 29 minutes 33 seconds West, for a distance of 420,(1() feet \0 a stee1pin; thence continuing North 67 degrees J8 _res 28 seconds East, for a distance of 260,01) f~-Jo a steel pin set on the western- most '(edicate.cLright-of-way line of the Slump~town Road; thence extending in and along the Wtstemmost dedicated right-of-way line of the StumpstOWD Rood, south 21 degrees 36 minutes - '5L~nds...east for a distance of 120,(1() feet to a steel pin on said d{'- ~ated right-of-way line of Lot N'6~. T'7"01lll1e bettinafter mentioned plan of -Stibdh:isjon, said pin marking the place of BEGlN'_G. ' CONTAlNING"2,111 acres, and being designated ,as Lot No. 16 on a final plan of subdivision of Mcmroe ,Meadows, prepared for Rima, Tnc" by 'Stiller.a.ndLahr"Registered Engineec:;, BEING the same premises which Klma, Inc, by' dmLdated-November 07, 1987 and recorded N()1Jember 19, 1987. in the Recorder's Office in aUdfur Oimoefland.l?ennsylvania. in Deed Book Wliifue 833 Page 175, granted and cOm'C)'ed unto lQse.ph Ed\\-w Martin and, Patricia Ann Martin, huSband ~d. wife, the ~2!!8~~!",:in. __