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Home My WebLink About01-06850 , 'I,. ~ Spear & Hoffman, P.A. BY: BONNIE DAHL, ESQUIRE AttorneyLD. No. 79294' 1020 North Kings Highway, Suite 210 Cherry Hill, New Jersey 08034 (856) 755-1560, Attorney for Plaintiff, Loan No. : 1084769528 BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION 475 CROSSPOINT PARKWAY P.O. BOX 9000 GETZVILLE, NY 14068-9000 PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. Dl - ~S'O C?;u~l~~ vs. ANN HILARY PAYNE AND MICHAEL R. KELLY 439 SOUTH YORK STREET MECHANICSBURG, P A 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 set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17103 (717) 249-3166 'R_>!~, ' ^__ "~ , ", -,,~, -"_~<,,")';'-~c-'f",, - -':'1 '--'!,', "",' , ,',,"'", ~-"<".,, '. "", , ~, "," - '~'-::' ,~,' ,. ,', "'.d - - . I", ""--,,' ,,_,-~,_ . A VISa Le han demandado a usted en la corte. Si usted qui ere defenderse de estas demandas expuestas en las paginas siguientes, ustedtiene veinte (20) dias de plazo a partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia escrita 0 en persona 0 con un abogado y entre gar a la corte en forma escrita sus defensas 0 sus objeciones alas demandadas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demandaen contra suya sin previo aviso 0 notificacion. Ademas, lacorte 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 ABOGADOINMEDIATAMENTE, SINO TIENEABOGADO 0 SINO TIENE EL DINERO SuFICIENTE DE PAGAR TAL SERVICIO, VA Y A EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA A VERlGUAR DONDE SE PUEDE CONSEGUlR ASISTENCIAL LEGAL. CUMBERLAND COUNTY BAR ASSOCIA nON 2 LIBERTY AVENUE CARLISLE, P A 17103 (717) 249-3166 :~;" '.. A,,.:,,--,,\;~,,-,-;-;,,'~t_ "1-';'t-",,~ ,,,.,; '-"':,:'1"1"'" ,-_,~_" "~_" 'i'''-. '", .'C' ~ po-~ ,-" - ".',_CC,' ," __ ,,^,,__. .. , . . Spear & Hoftman, 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. : 1084769528 BA MORTGAGE, LLC SUCCESSOR IN lNTEREST BY MERGER OF NA TIONSBANC MORTGAGE CORPORATION 475 CROSSPOlNTPARKWAY P.O. BOX 9000 GETZVILLE, NY 14068-9000 PLAlN.TIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKETNO.C>/-ls-P.5'O Ct.)~l ~~ vs. ANN HILARY PAYNE AND MICHAEL R. KELLY 439 SOUTH YORK STREET MECHANICSBURG, PA 17055 DEFENDANTS COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is BA MORTGAGE, LLC SUCCESSOR IN lNTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION, with its principal place of business located at 475 CROSSPOlNT PARKWAY, P.O. BOX 9000, GETZVILLE, NY 14068-9000. 2. The names and last known addresses of the Defendants are: ANN HILARY PAYNE AND MICHAEL R. KELLY, ~39 SOUTH YORK STREET, 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 APRIL 9, 1996, Mortgagors made, executed and delivered a Mortgage upon the premises hereinafter described to EASTERN MORTGAGE SERVICES, lNC., which Mortgage is recorded as follows: Office of the Recorder of Deeds in and for CUMBERLAND COUNTY DATE OF MORTGAGE: APRIL 9,1996 DATE RECORDED: APRIL 18, 1996 BOOK: 1314 PAGE: 539 1 '0>'7<, \f>,,~ l!'~ _"" ,i,"", ",,~,','''c'Wf''C'/' .., ,~"~~."._,, <-.'"",- \",,-"':" '-'-,'", ',,', c/ _1'cn_ ,'__~ - "'-~,' -< ',,' """", - ",,, " ft. .,_ .,..'."',."...,,. .," >,,'.. ":," -4'-' iii , , T 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. 5. On or about APRIL 9, 1996, in consideration of their indebtedness to EASTERN MORTGAGE SERVICES, INC., ANN HILARY PAYNE AND MICHAEL R. KELL Y m~e, executed and delivered to EASTERN MORTGAGE SERVICES, INC. their promissory Note in the original principal amount of $132,200.00. 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 Mo!,\gage by virtue of the following assignments: ASSIGNOR: EASTERN MORTGAGE SERVICES, INC. ASSIGNEE: HATIONSBANC MORTGAGE CORPORATION DATE OF ASSIGNMENT: SEPTEMBER 16, 1996 RECORDING DATE: NOVEMBER 6, 1996 BOOK: 534 PAGE: 126 7. The Mortgage is secured by property located at 439 SOUTH YORK STREET, 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 as authorized by the Mortgage, due 06/01/01 and monthly thereafter are due and have not been paid, 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. 9. The following amounts are due on the Mortgage: Principal Balance $123,929.55 6,625% interest from 05/01/01 to NOVEMBER 7,2001 at $22.49 per day $4,296.36 ~" Accrued Late Charges $126.96 2 ""YIi']}pii[,:l'f:r:, - ., '~'~,t,,'-,t,":~,?'f"/ -, -"-:)h: ''''- " .'1' " ,.. -~~ -~'=,'-,~--: "'~"--' , _,~,_ .'~ ,,~,~_ M',_ , , t TOTAL AMOUNT DUE $15.00 $2.829.50 $131.197.37 NSF Fees Attorney's Fees Interest continues to accrue at the per diem rate of $22.49 for every day after NOVEMBER 7, 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. 11. Pursuant to the notice provisions of Act 91, 35 P.S. 9 1680.403( c), and the notice provisions of Act 6, 41 P.S. 9403, as. governed by 12 Pa. Code Section 31.201 et seq. as amended by Act 160 of 1998 effective February 19, 1999, Plaintiff sentthe combined Notice ofIntention to Foreclose Mortgage and Act 91 notice to Defendants, dated SEPTEMBER 5,2001. Copies of the notices to the defendants are attached as Exhibit "D". Defendants have failed to cure the default and Defendants have failed to meet with the plaintiff or any of the consumer credit counseling agencies listed in the notice and/or have further failed to meet the time limitations specified in the notice and/or have been denied assistance from the Pennsylvania Housing Finance Agency. 12. Notice p'lfSuant 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 NOVEMBER 7,2001 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 insurance or repairs 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, P.A. om ufJ I ~ DAHL, ESQUIRE 3 .; ";';l,~.;,,#,__ ,~F :r':!",~_ :,,,;,~',-,_'_",:' ", ~ "" ' ,r "" ~;',:" ""I' A ."~' . ,- ,-,~~-,?-"-",,, :.." _,C" , , , k , -0062'39;5Wpd , , Page 1 VERIFICATION The undersigned hereby states that he/she is an authorized officer, repr~sentative or agent for Plaintiff in this action and that he/she is authorized to make this Verification on behalf of Plaintiff, and that the facts set forth in the foregoing Complaint are taken from records maintained by persons supervised by the undersigned who maintain the business records of the Mortgage held by Plaintiff in the ordinary course of business and that those facts are true and correct to the best of his/her knowledge, information and belief. THE UNDERSIGNED UNDERSTANDS THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF 18 PA.C.S. S4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. Date: ~);,.~ Name: Karen M. Resetarits Company: BA Mortgage, LLC Title: Officer '--'''''i':'m'i!liW'.^~" -" ", I' ~, ' -, "'"', ,,,. - I' ~~- ,,- . r~ . . ..~"', L" "---"-',' >'J ';--:':""'.",,-- ,--'v "",::,,,- :'" ' " "'-F'~"~': Exhibit "A" ""."" - =<'"-' ') '"" , . ." """""'",,,-,'i'Il> \\l: '-..'\ I l..~' ~ ....., '\ \~:"'\J___\) ,..) I lC 6' JP'/ &9G;;.g (Space Above Tbls Line For Recording Data) MORTGAGE 54138001 THIS MORTGAGE ("Scturity lru;trument") is given on ,..........,.......................l~p.~.'..."..........."....?...........h_m..............."...l.?~....... ................. Thcmottgagoris...,',............,~~~.~r..~~.Y.~~.~.M~tl~.~:.~~'X.,.......,..........,.,.,.........,...,....................,_,.................................,..,._... This Security Insltument is given to .........~~.~'?~r.g~g~.~.~y.~S~!.~!;;..,.......,..........,..................................,.................'..."..................... .,.......,.....,......,.."'....,.......,,............................................,........,...............-.."........,.................................,....,.............................,-.'.......,... which is organized and existing under the laws of ..................Sq~~~~~~.:'.I:~.q~.r.~~~~!!-:-~~~..._,."............"...."....... and whose address is ......... .,............,."...............,,~~~?~.~~~.F!.~.IA,...,........".....,..,.~~9.~~1.r.~.!~9.~~..,."...........,..,.............",.,..'......,...............".,'.................. Borroweruwes LeMerfue princ\tJal sum of ...............9!!~.~~~~~.~.r:o/..~9,Thl?!-!~~,~.~!-!~~!-!..~.~l?!.1.~.m...m...m...m..m".......'..,".....m..m...... ........"......"......,..............................................."..,.....................................................,....................,...,.............. 0<>11,,, (U"S. $ .....,m.~Qll.QQ.... This debt is evidenced by Borrower's note dated me same date II.S this Securi!)' Instrument CHote"), which provides for monthly payments, with the full debt. if not paid earlier, due and payable on ...........~f.................h).........~~~......."....................,," , This Securily Instrument secures to Lender: (a) the repayment of the debl'evidenced by the Note, with inlerest, and all renewals, extensions and modifications of the Note; (b) the paymel\l. of aU other sums, with interest, advanced under paragraph 7 ';0 protect the sec.urily of this Security Instrument; and (c) the performance of Borrower's covenants aod agreements under this Sec\lrily Instrument II.nd the Note. For this purpose, Borrowcl\ does hereby mortgage, grant and convey to Lender the following described property located in ..........~9.~~~~~.9.~.-M.l?~~~~!;~~~!!.........:.!;Y.~~~1~P......"........ County, Pennsylv9nia: LEGAL DESCRIPTION AITACHED HERETO AND MADE A PART HEREOF. <D cr> ::0 -0 :::t; t_': ..., ~) ~ r;:; ~_~ ::-J :--_t a: ~~\\-)\~~\. ::0 C, c) ,,' ::3 0 " n co 0 c> , en '" 'u -< r'-' I:" co :c , u, " -:) which has the address of "................m..~A?~9Y.TIi.!<?.~.g~~I....................,........."......."'"'''''' ISlrecl1 ' Pennsylvania ......,.,.. ....... .l.?~?~ ......".......,........ .,. ('Property Addre,,')' IZipCllde1 ....... f MECHANICSBURG ..........'....iCityj.....................,..............,....,. TOGETHER WITH all the: lmprovemenls now or hereafter erecled on the propeny, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shan abo be covered by ibis Securily Instrument. All of the foregoing is referred to iII this Securily Instrument as the ~Property.. BORROWER COVENANTS mat Borrower is lawful\y seised of the estate hereby conveyed and has the right fa mortgage, grant and convey the Property and that the Property is unencumbered, except fur encumbrances of 1('I::Oro.. Borrower warrants and will defend generally the tille 10 the Property against all claims and demands. subject to any encumbrances of record. TIllS SECURITY INSTRUMENT combines unirunn covenants for national use and nan-uuirom cove.nants willi limited variations by jurisdiction to constitute a uoifonn security instrument covering real property, , PENNSVLV ANrA.si"lll~ Family,FNMAlfHlMC UNIFORM INSTRUMENT PMl5S\3191f\1'ECI-I PageJofSpagu Form 3039 9100 BD0Il131fl~ S39 N - "'j0"*f-",n:~,~ ~ -'" ~, ~',i'.l.: ':l~ ..h "."'" "'1"""" UNIFORM COVBNANTS, Borrower and Lender covenant and agree as follows: 1. Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due die principal of and interest on die debt evidenced by die Note and any prepayment imd late charges due under the Note, 2. Funds for Taxes and Insurance, Subject to applicable law or to a written waiver by Lender, Borrower shall pay to Lender on the day monlhly paymentS axe due under the Nate, unti~ me Note i.s pam in fun, a liourn ("Funds") fm: (a) yt.ady laxt.s and ~essmt.nts whkb may attain priority over this Security Instrument as a lien on the Propeny; (b) yearly leasehold payments or ground rents on the Property, if RTl)I; (c) yearly hazard or property insurance premiums; (d) yearly Dood in$Urance premiums, if any; (e) yearly mortgage insurance, premiums, if any; and (f) any Slims payable by Borrower to Lender, in accordance wim the provisions of paragraph g, in lieu of lhe paytnent of mongage insurance premiums. These items are called wEscrow Items.. Lender may, at any time, collect and ho'ld Funds in an amount not to exceed the maximum amount a lender for a federally related mortgage loan may require for Borrower's escrow account under the federai Real Estate Settlement Procedures Act of 1974 as amended from time to time, 12 V.S.C, S 2601 ~t seq. (-RESPA -), unless another law that applies Iu the Funds sets a lesser amount, If &0, Lender may. alany time, coltectand bold Funds in an amount not ro exceed the lesser amount Lender may estimate the amouDt of Funds due on the basis of curreot data and reasonable estimates of ellpenditures of future Escrow Items of otbetWise in acconiance willi applicable law, The Funds shall be held in an illstitution whose deposits are insured by a federal agency, instrumentality. or entity (including Lender, if Lend,er is such an institution) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items. Lender may not charge Borrower for holding and applying the Funljs, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and applicable law pennils Lender to make such a charge. However, Lender Olay require Borrower to pay a one-time cbarge for an ind~ndent real estate tax te,mrting service used by Lender in COI\Mctron with iliis Ioal\, unless applicable law provides otherwise, Unless an agreement is made or applicable law requires interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds, Borrower and Lender may agree in writing. however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds, showing credits and debits to the Funds and the purpose for which each debilto the Funds was made. The Funds are pledged as additional security for all sums secured by this Security Instrument If the Funds held by Lender exceed the amounts pennitted to be held by applicable law, Lender shall account to Borrower for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lender alany time is not sufficient to pay the Escrow Items when due. Lender may so notify Borrower in writing, and, in such case Borrower shall pay Iu Lender the atOOUl\t I\e.cessary ID make up the deficiency, Bmrower lionall make up Ihe deficiel\cy \n 00 more than twehe monlbly payment$, at Lender's sole discretion, Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender, If, under paragraph 21, ~nder shall acquire or sell the Property, Lender, prior to the acquisition or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by this Security Instrument. 3. Application of Pu.yments. Unless applicable law provides otherwise, all payments received by U;nder under paragraphs 1 and 2 shall be applied: first, 10 any prepayment cbarges due under Iile Note; second, Iu amounts payable under paragraph 2; third, to interest duc; fourth, to principal ducj and last, ID any late clmges due under me Note, 4. Charges; Liens. Borrower shall pay all taxes. assessments, charges, fines and impositions attributable to the Properly which may attain priority over this Security Inslrument, and leasebold payments or ground rents, if any. Borrower shall pay these Obligations in the manner provided in paragraph 2. or if not paid in that manner, Borrower shan pay them on time directly to the person owed payment. Borrower shall promptly furnisb to Lender all notices of amounts to be paid under this paragraph. If Botrower makes lhese payments directly, Borrower shall promptly furnish to Lender receipts evidencing the payments. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower. (a) agrees in wriling to me payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests in good faith the lien' by , Ot defcw.l!> against enfotcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien; or (c) secures from Ihe bolder of me lien an agreement satisfactory 10 Lender subordinating the lien to this Security Instrument If Lender detennines that any part of the Property is subject to a lien which may attain priorilY over this Security Instrument, Lender may give Borrower a notice identifying the lien, Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice. S, Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term ~extended coverageW and any other hazards, including floods. or fioading, for which Lender requires insurance, This insurance shall be maintained in the amounts and for the periods that Lender requires. The ~\lsuranee carriet providing me inllUtal\Ce shan be c~n by Borrower subject ro Lender's approval which hU not be uDItaSonably withheld. If Borrower fails to maintain coverage described above, Lender may. at lender's option. obtain coverage to protect Lender's rigbts in the PIOperty in accordance with paragrapb 1. All insurance policies and renewals shall be acceptable to, Lender and sball include a standard mortgage clause, lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promplly give to Lender all receipts of paid premiums and renewal notices, In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender, Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. If the restoration or repair is not econcmical1y feasible or Lender's securlt)' w\,\U1d be lessenet1, the insumnu proceeds shall be applied to Ihe sums seCllTCll by this SecurilY Instrument, whether or not then due. with any exce,ss paid to Borrower, If Borrower abandons the Property. or does not answer within )0 days a notice from Lender that the insurance carrier bas offered to settle a claim. then Lender may collect the insurance proceeds, Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Ins!rument, whether or not then due. The 30-day period will begin when the notice is given. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of me monthly payments referred to in parngnlphs I and 2 or change me amount of the payments, If under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance ~licies and proceeds resulting {rom damage t<J the Property priot to me acquisition shall pass to Lender to the eXlen~ of the sums secured by this Security Instrument immediately prior to the acquisition, VENNSYLIf A-l'IllvSUla.k fo;m\ly,FNMAIFm..MC UNlfUIUo1INST\UIMEN'\' I'AOlISS131!1lFiTECH I'Ilge1..iSpage5 FIlfm3Ol99m ROGd3i4,.~ 540 < ,'" ",). ~:IH.'rf "."". . ( f..', ,.' . . 6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application; Leaseholds. Bo~wer shan occupy, establish, and use lhe Property as Borrower's prmcipal residence within sixty days after !he exel:Ution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after me dale of occupancy. unless Lender otherwise agrees in wriling, which consent shall not he unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall not destroy, damage or impair the Property. allow the Property to deteriorate, or commit wasle on the Property. Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lender's good faith judgmffll could result in forfeiture of me Property or otherwise malerially impair \he lien t-reated by this Security Instrument or Lender's security inlerest. Borrower may cure such a default and reinstate, as proVided in paragraph 18, by causing the action or proceeding to be dismissed wi!h a ruling !hat, in Lender's good faith detennination, precludes forfeiture of the Borrower's interest in the Property or other material impainnent of the lien created by this Security Instrument or Lender's security interest, Borrower shall also be in default if Borrower, during me loan application process, gave materially false or inaccurate infofllUltion or statements 10 Lender (or failed to provide Lender with any mlltefild infonnatron) i.n connection willi the lolU\ evidenced by \he Note, including, but not l\mit-ed ro, representations cancerning Irorrower's occupancy of the Propeny as a principal residence, If this Security InstrUment is on a leasehold, Borrower shall comply with all the provisions of the lease, If Borrower acquires fee title to me Property, the leasehold and lhe fee title shall nol merge unless Lender agrees to the merger in writing. 7, Protection of Lender's Rights in the Property. If Borrower fails to perfonn the covenants and agreements contained in this Security lnsUUlnent" or there is a legal proceeding lhat may sigtiiftcantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, probate, for condeDUlation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and. Lender's rights in the Property, Lender's actions may include paying any sums secured by a lien which bas prioriry over this Security Instrument, appearing in court, paying reasonable attorneys' fees and entering un the Property to make repairs. Althougli Lender may take action under this paragraph 7. Lender does not have to do so, Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower s<<-ured by this Security Instrument. Unless Borrower and Lender agree to other tenns of payment, these amounts shall bear Interest from the dale of disbursement at the Note rate and -shan be payable, wi.1h imerest, upon nmit.e from Umder to Borrower reque-sling payment. 8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance in effect If, for any reason, the mortgage insurance covernge required by Lender lapses or ceases 10 be in effect, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the mOdgage insurance previously in effect, at a cost substantiallY equivalent to the cost to Borrower of the mortgage insurance previously in etTect, I'rom an alternate mortgage inSUler awroved by Lwder. If s\lbstmtiaUy equivalent mortgage insurance co'terage is Mt available, Borrower shall pay to Lender each month a sum equal to one~twelfth of the yearly mortgage insurance premium being paid by Borrower when the inSUl1lhce coverage lapsed or ceased 10 be in effect. Lender will accept, use and retain these payments as a loss reserve in lieu of mortgage insurance. Loss reserve payments may no longer be required, at the option of Lender, if mortgage insurance coverage (in the amount llnd for !he period !hat Lender requires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower shall pay the premiums required to maintain mortgage insurance in effect, or to provide a toss reserve, until Ute requirement for mortgage in~rance ends in accordance with any written agreement between Borrower and Lender or applicable law, 9. Inspection. Lender or Its agent may make reasonable entries upon and inspeclions of the Property, Lender shan give Borrower notice at the time of or prior to an Inspet:lion specirying reasonable cause for the inspection. 10. Condemnation. The proceeds of any award or claim for damages, direct or cOIlSequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. In the event of a total taking of the Propeny, the proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess. paid to Borrower. In the event of It partial taking \,}f ~ Property in which the fair market value of the Property immediately before the taking is equal to or greater than the amount of the sums secured by this SeC1lrlty lrIsttumcnt immediately before the laking, unlcss Borrower and Lender oOterwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately befo~ the taking, divided by (b) the fair market value of the Property immediately before the taking, Any balance shall be paid to Borrower. In the event of a partial taking of the Property in which the fair mad:.et value (If the Property immediately befofe the laking is less than the amount of the sums ,secured immediately before the taking, unless Borrower and Lender otherwise agree in writing or unless applicable Jaw otherwise provides, the proceeds shall be applied to the sums secured by this Securir:y.lnstrUment whether or not the sums are then dUe. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the condemnor offelllo make an award or sellle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the proceeds, at its option, either to restoration or repair of the Property or to the sums secured by this Securily Instrument, whether or not then due, Unless Lender and BUrfower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the: due date of the monthly payments referred to in paragraphs I and 2 or change the amount of such payments. 11. Borrower Not Released; Forbearance By Lender Not a Waiver, Extension of the time for payment or modification of amortization of the Sums secnred by this Security Instrument gmnted by Lender to any successor in interest of Borrower shall not operate to release the liability of the Original Borrower or Borrower's successors in interest. Lender shall not be required to commence proceedings against any successor in imerest or refuse to extend time for payment or othelWise modify amoruniion of the sums secured by this Security lnstrument by rearoll of any demand made by the original UOJrower at Borrower's successors in interest. Any forbearance by Lender in e:\e~is\ng any right or remedy shall nOI be a waiver of or preclude the exeTl:ise of any right or remedy. 12. Successors and Assigns Bound; Joint and Several Liability; Co-signers. The covenants and agreements of this Securiry Instrurnent shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of paragraph 11, Borrower's Covenants and agreements shall be joint and severn!. Any Borrower who co-signs this Security Instt\lmeI\\. but does not execute the Note: (a) is co.signing this Secl1rity Instrument only to mortgage, grant and convey that ,Borrower's interest in the Property under the \e.rn\s of \his Security lMtNmem; (b) is not persona'aly obligated to pay lbe SIlIDS secured by this Security Instrument; am! (c) agrees that Lender and any other Borrower may agree to extend, modify, furbearor make any accommodations with regard to the !enns of this Security Instrunlent or the Note without thai Borrower's consent. 13. Loan Charges. If the loan secured by this Securiry Instrument is subiect to a law which sets maximu.m loan charges, and !bat law is fin;dly interpreled so that the interest or other loan charges collected or to be collected in connection with the loan exceed the pennilted limits, then: (a) any 5I1ch roan Chfr,lge shan be reduced by 'the amount neCessary to reduce the charge to ilie pennitted limit; and (b) any sums already collected from Borrower which e~ceeded pennitted limits will be refunded to Borrower. Lender may choose to make this refilM by PENNSYLVANIA-SiJJgle Family.FNMAIFHLMC UNIFORM INSTRUMENT I'AQIllS! WI FiTECK l'age3ofSpages form3039 'lI9O Bood3t4rAcr 541 -;;~t;W'1~," ',~~,"", ',>".'-- ~,~~ ~I" T,' ~"" !""""""" , . ", ~~"'{"J'~.l....t> ~ I ,', ted~cing the principal owed under the Note or by making a direct paymenl ro Borrower, If a relUnd reduces principal, the reducllon will be trealed as a partial prepayment without any prepayment charge under the Note. 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by ftnt class mail unless applicable law requires use of another method. The notice shall be directed to the Property Address or any other address J,W~Ytert1n\gna\Cs by notice to Lender. Any notice to Lendersha\l be given by first class mall 10 Lender's address stated 11l~rein or any other \ "i4~sl LeIlEle!'delilgpates by notice to Borrower, Any notice provided for in Ibis Security Instrument shall be deemed 10 have been given to , .' 'Bo~~er"~~'~nd;~~en given as provided in this paragraph. . 15. Gov~rning Law; Severability. This Security InstlUment shall be governed by federal law and the law of the jurisdiclion in which 'ih~ Prope~ is located, In the event that any provision or clause of this Security Instrument or Ute Note conflicts wim applicable law, such conf1ict$ba\\ not affect. other provisions'oflhis Security Instrument or the Note which can be given effect without the conflicting _, provision. To t~ end the provisions of this Security Instrument and the Note are declared to be sevel1lble. . 16. lIOITOwer's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instnlment. 17. Transfer of the Property or a Beneficial Interest in Borrower. If aU or any part of me PtQpeny or any interest in il is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is /1ot a natural person) wilbout Lender's plior written consent, Lender may, a~ its option, require inunediate payment in fun of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrumen!. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of nOlless than 30 days from the date the notice is delivered or mailed within wh.ich Borrower must pay alt sums secured by this Security lnstrumel\t. If Borrower fails to pay these sums prior 10 the expiration of this period, Lender may invoke any remedies penniued by Ibis Security Inslrument without further notice or demand on Borrower. 18. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any lime prior to lhe earlier of: (a) 5 days (or such omer period as applicable law may specify for reinstatement) before sale of me Property pursuant to any power of sale contained in this Security Instmment; or (b) eony ofajudgmem enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration bad oecuned; (b) cures any default of any other covenants or llgreements; tc) pays atl expenses incuned in enforcing this Securil)' Instrument, including, but noelimited 10, reasonable attorneys' fees; and (d) takes such action as Lender may reasonably require to assure that the lien of mis Security Instrument, Lender's rights in the Property and Borrower's Obligation ro pay the sums secured by this Security Instrument sh.all continue unchanged. Upon reinstatement by BOf(ower, this Security Instrument and tl\e obligalions secured hereby shall remain fully effective as if no acccleration had occurred. However, lhis right to reinstate shall not apply in the case of acceleration under paragraph 17. 19. Sale of Notej Change of Loan Servicer. The Note or a partial interest in the Note (together with this Security Insuument) may be sold one or more times wililout prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicer") that collects monthly payments due under the Note and this Security Instrument. Thoere atso may be one or lOOre changes of me Loan Servicer unrelated to a sale of lile Note, 'If there is a cbange of the Loan Servicer, Borrower will be given written notice of the change in accordance with paragraph 14 above and applicable law. The notice will slate the name and address of me new Loan Servicer and the address 10 which payments should be made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or pennilthe presence, use, disposal, storage, or release of any Hazardous SUbstances on or in the Property. Borrower shall not do, nor allow anyone else to do, anythinit affecting the Property Ihat is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances thai are generally recognized to be appropriate to normal residential uses and to maintenance of die Property. Borrower shall promplly give Lender written notice of any investigalion, claim, demand, lawsuit or other action by any government'll or regulatory agency or private party involving the Property and any Hazardous Substance or Environmenlal Law of which Borrower has actual knowledge. If Borrower learns, or is nOlified by any governmental or regulatory authority, that any removal or omer remedialion of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law, As used in this paragraph 20, "Hazardous Substances. are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or fOnnaldehyde, and radioactive materials. As used in this paragraph 20, ttEnvironmental Law" means fedel1lllaws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower~s breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). Lender shall notify Borrower of, among other things: (a) the default; (b) the action required to cure the defanlt; (c) when the default must be c1,lred; and (d) that failure to cure the defanlt as specified may result in acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. Lender shall further inform Borrower of the right to reinstate after acceleration and.the right to assert in the foreclosure proceeding the nou-existence of a default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured as, specified, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may CorecloSe this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 21, including, but not limhed to, attorneys' fees and costs of title evidence to the extent pennitttd by applicable law. 22. Release. Upon payment of all sums secured by this Security Instrument, this Security Instrument and the estale conveyed shall terminate and become void. After such occurrence, Lemler shall discharge and satisfy this SecurlP:y Insu'tuqent to Borrower, Borrower shall pay any recordation costs. 23. Waivers. Botrower, to the extent permitted by applicable law, waivesand releases any error or defects in proceedings to enforce this Security Instrument, and hereby waives the benefit of any present or future laws providing for stay of execution, extension of lime, exemption from attachment, levy and sale, and homestead exemption. PENNSYLVA"NIA-SIl1lllc F~mny-FNMA!FHt..MC UNIFORM INSTRUMENr PA013SS13191FITECH ' Pagc40fSpagcs r_JO'991\IQ 8QOK1314,AGt 542 """""",~," ~ "I' , ' "~<F;.''"~',"W' ""';--'''''- ., , 24. Reinstatement Period. Borrower's time 10 reinstate provided in paragraph 18 shall extend to one hour prior [0 the commencement of bidding al a sherifrs sate or other sale pursuant to this Security InSIIUlllent, 25. Purchase Money Mortgage. !fany of the debt secured by this Security InstrUment is Icotto Borrower to acquire title to the Property. this Security Instrument shall be a purchase money mortgage. 26. Interest Ratt After Judgment. Borrower agrees thai the interest rate payable after a judgment is entered on the Note or in an. action of mortgage foreclosure mall be the rate payable from time to time under the Note. 27. Riders to this Security Instrument. If one Of more riders are executed by Borrower and recorded together with this Security Inl'.troffient, lhe Co'l'tl1llinlS and agreements of each such rider shall be incorporated into and snail amend and supplement the wvenams and agreements of Ihis Securily Insllument as if llIe rider(s) were a part of Ihis Security Instrument. (Check applicable box(es)] 0 AdjuslableRateRider 0 Condominium Rider 0 14 Family Rider 0 Graduated Payment Rider 0 Plaruted Unit Development Rider 0 Biweekly Payment Rider 0 Balloon Rider 0 Rate Improvement Rider 0 Second Home Rider 0 Olher(s) [specify} BY SIGNING BELOW. Borrower accepts and agrees to the teons and covenants contained in this Security Instrument and in any rider(s) eJl.ecuted by BNrower and recmded willi it, W1I~e.S"itBiL / --<.I: l~ ~;/t,...:............... \.~::).. .:,~...........................,...... ~LAR~ -Borrower Sod,1 S"only Nomber .j'.]8....:5.CJ..:.,:5.0.C./.... ......d1{GL'"O"J~.J4./(y::....,.,.,..........., MICHAEL iL KELLY II "B,,,,,"w,, S,,1M S"only Numb"... /3(.,?..:..;j~:..,<~\,,~/rQfl -Burrower Social Security Number _... ..,..........'.............. ." .'......,....".....,.........._.... '0i\~\..-....\ '....,.,.....,.....,.........,.,.........,.,..,.".......,..,'.........,'....,........"...... -Borrower Social Security Number ................. [Space Below This Line For Acknowledgment] COMMONWEALTH OF PENNSYLVANIA COUNTY 55: DAUPHIN Onlhis 9th day of April 1996 , before me, came the li.boved-named ANN HILARY PAYNE MICHAEL R. KELty ..,} ~>4fjr:II.Q)Y!~ged the wlthm indenture of Mongage 10 be HISIHERlTHEIR ael and deed, and desired the same 10 be recorded as such. ,. ..\,~S;:.{:<1...,.. :l.j:.,..tI_...~-)VITNESSmyh.od..d"".d"d,y.ody.".ro""id. g ~~ .;~/'..,~l~....("" 7j /' .~;1~~~t~~ft.' Notarial Seal .... ......... ......~/...u.L ~ ~;,.~~~.#.\. C::." OavldG. Enders. NolaIv Public ., ..........,....,.... ........,.........,..,..."....,.,..... "~'rO'..:ii"i;/ ~o;-'!-""',~ Harrisburg, Dauphln County "'':')'1:'';, "",~~'V/..... My Commission Expires Jan. 31, 1998 ,._!!y",...:~ ;,~,_"..')~' otnmlss1on E~pires: ........'.~....-':~F-.,.. PENNSYL v ANIA-SinJ:1c Fa,nily-FNMAlfHLMC UNIfORM INSTRUMENT PA[l14SSIJ/91 FiTECH - REVISED 7/95 Ib 1'agr5ofSlI3teS flllm~':lOO 8Oud314rA~E. 543 , 1~ ~ ~~ '~i ' G . , ''-'~~~~lJ.. Exhibit "B" ""\;'11';'- ,.'-''~~-- ,,-" ,,' 'i,' -', , ":"~~,--,f''(':''''',t.----'''-' ^" , " '_;,__.-_"",.,~",,:_,, '," , ,"',," ,-, ,_,_,'",< ," ", F, ,'M , ~, _ ,~ "'~ -" ,~,~,"" . fO 3'<;17 t, 9 S-J. ~. NOTE J'H~ ~. April 9 1996 HARRISBURG ICIlyl PENNSYLVANIA ""./ IDlI~1 439 SOUTH YORK STREET MECHANICSBURG, PA J7DS.5 (Prapcny"'ddrelsl 1. BORROWER'S PROMISE TO PAY In retUrn for a loan that J haYe received, I promise to pay U,S, $ 132.200.00 (!his amount is called "principal"), plus interest, to the order of the Lender, The Lender is EASTERN MORTGAGB SaVICBS. lNe. 1 undCl1ltand mat Ihe Lender may transfer lhis Note. The U:nder or anyone who takes this Note by tmIsfer and who is entitled to .w;ive payments under this Note is tatled !he "Note Holder." 2. INTEREST Inrerest will be charged on unpAid prilKipal untillhe fun ,amo1lJ}j: of principal bas been pllid. I will PIlY intercs[ at a yearly ra~ of ~%, The interest rate required by this Section 2 Is the rate I will pay both before and dter any default d.m:n'bed in Section 6(8) of tbis Note. 3. PAYMENTS (A) TIME AND PLACE OF PAYMENTS I will pay principal and interest by lII8.king paymtm($ every monlh. I will make my monthly payments on the 1ST day of each month beginning on June 19% . 1 will make these pllymenttevel)" rnonUz unill I IlB.-epaid all of the principal and lntcRMtaoo ally orherchazges-dellt:rib:d below tJl8t J may owe underdJis Note. My monthly pBylW!nlS will be applied 10 imen::st before principal. If, on Mav I 2026 . I still owe amaunlS under this Note. 1 will pay those amounts in fuU 01) that dale, which is caned. !he "maturity date.. 1 will make my monthly payments at 4 NESHAMINY lNTERPLEX, SUITE 305, TREVOSE. PA 19053 or at II different place lrrequired by the Note Holder. (B) AMOUNT OF MONTHLY PAYMENTS My monthly paymenl wiD be in the amount of U.S. $ 846.49 . 4. BORROWER'S RIGHT TO PREPAY I have 1M rigbt to m.alce payme-ntS of pr:incipaJ at.my rime before tlrey are due. A payJlH!n1 of principal only is known as "prepayment.' WhcnI make a prepayment, I will tell the Note Holder in writing that I am doing so. I may make a full prepayment or partial prepaymenlS withOUt paying any prepayment charge. The Note Holder will use all of my prepayments. to reduce the amoUJl[ of princlpallbat I owe under Ibis Note. If t make a partial prepayment. there will be no cbanges in the due date or in !be amOUnt of my menmly payment unless the Note Holder agrees in writing to those changes. 5. LOAN CHARGES If a law, which applies to this loan and which sets ~imum Joan wrges, 1s rmally intetpremd so!ba! fhc ime,-m or olher 10M charges .col- lected or to be collected In co~ction wUll Ibis loan excted die permitted limits" then: (i) any such loan charge sbal1 be reduced b~ the. amount necelSaTY to reduce the charge to the pennitted limit; and (ii) any sums already collected from me which exceeded pennitted limits will be re- funded to me, The Note Holder may thoose to make this refund by reducing tile principal 1 owe under this Note or by maldng. I direct paymel'll to me. If II. refund reduces principal. the reduction will be treated as a panial prepayment. 6. BORROWER'S FAILURE TO PAY AS REQUIRED (A) LATE CHARGE FOR OVERDUE PAYMENTS If the Note Holder has not received the full amount of any monlhly payment by the end of 15 calendar days after the date it is due, I will pay a lite charge to lIle Note Holder. The altlount of,thecharge wUl be 5,000 % afmy overdue payment of principal and interest. I will pay litis lale c.barge promptly but only olU:e on ~h lalCl payment, (B) DEFAULT If I do not pay the run amonat of each rnonlhJy payment on the date it is due, 1 wUl bll in default. (C) NOTICE OF DEFAULT ff I am in default, die Note Holder may send me a wr:iaen notice terling me thaI if r do not pay lfIe ovetdue amo\llu by II. cel1ain date. the Note Holder may require me to pay irnme.dlatcly the full amoUllt of principal wh~h Iw not been paid and all the interesllhat I owe on that amount. 'That date must be at least 30 days afrer the date on whiclJ the notice is dclivererl or mailed 10 me. (D) NO WAIVER BY NOTE HOLDER Even if, at II. time when J am in default, the Note Holder does nol require me: to pay immediately in fuIl as described above, the Note Holder will still have the right to do so if I am in default at II. later time, (E) PAYMENT OF NOTE HOLDER'S COSTS AND EXPENSES If the Note Holder has required me ID pay immediately in full as described above, the Note Holderwill have the right lei be paid back by me for all of its costs and expellSts in enforcing this Note to the; exte;nt not prohibiled by applicable law. Thos~ ~xpeIW:S includ~, for example, reasonabJe altorney'.:; fees. 7. GIVING OF NOTICES Unless applicable law requires a different medtod, any notice that must be given to me under this Note will be given by deliverillg it or by mailing it by first class mail ttJ me at the Property Address above or it a differen! address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this NOle will be given by mailing il by firs! clan mail to the Nole Holder at Ihe address stated in Seccioa 3(A) above Of ilta dil'fe-rerrc address if I am given a nodce oftl1at different address. MULTl$l'ATE l"D:rm RATE NOl'E-Slngle FltIIllly.fNMAI~HLMC Unllonn tlllln.Lln=nl bea .., \\liS \0 ~ 0\ 32005S1.FllMre..(llII94) FirECH \ ce'((\lJ 0. 0'/..'3!.{yrfc\ CO\) \We a~ "Ilia I. / \"eOl'~ !'a&clg[1 ""'~""'-~"","~ %''1 . P''''),,,~ ~ "-~ -, .- _,c...,&,"" "" 8. OBLIGATIONS OF PERS~b,flllS NOTE . If more than one penon signs Ibis Note, CKh person is fully and peJSOD3J]y obljgated JO ketp all of the promises made ifllhis N otc, including the promise to pay the full amount owed, Any person who is a guarantor, surety orcndorscr oftlris Note is also obligated do diese tlJings. Any person who takes over dlCSe obIigatIol1l', inc1udiDs /he obJigmivns of a Bua:nmlor, ,SUJ't.tY 01 endorser of this NOle, is also obli,gated ro keep all of the promises made in this No~. The Note Holder may enforce its right$ under this Note against each person individUlllly or against all ofu$ (ogemer. This means OIat anyone ofus may be required fD pay aU Df me amounts OWM IInd~r this Nole. 9. WAIVERS I and any olher person who has obliptions undl:r this Note waive the rights of presentment and notice of dishonor and waive d1c hotnl:5tead eli.$ption. ~Pre3edlment' l1'1CatlS me right to require th~ Note Holder In demand paymCJI[ of amounts due. "Notice of dishonor" mealls the right ro require the Note Holder to give IlDl!ce 10 olber pemms that llmDiJJJls due have OOt beeJI paid. 10. UNIFORM SECURED NOTE This Nole is a uniform instrument wilh limited variations in some jurisdictions. In addition to die proteCtions give to the Nere Holder under lhis Note, a Mortgage, Deed of Trus! or Security Deed (the ~Security InsaurnllDt"l. dated the same date as this Nme, protects the Note Holder from possible losses which might result if I do not keep the prnmises which I make in this Note. That Seeuril:)' Instrument describes how and under what conditions] may be required to make imme4iatl: payment in full of all amounts] owe under Ibis. N~. Someoftho5ecooditionsaredescribedll$folluws: TRANSFER OF rnEPROP1!RTI' OR A BENEFlCIAL INTEREST iN BORROWER. If all or any part of the Property or any interest in il is sold Dr traI1Skmd (or if a beneficial interest in Bol1'O~r is sold or tnmsfeml! and Barrowe't is /lOt a nalUJal per:ron) without Lender's prior wrinen colUent, Lc:ndet may, at its option. require immediate payment in full ufal! SUffiS' secured by /his Security lnstrumcnf. However, this optioll.sh&llnot be exercised by Lender if exen:ise is pmhibitl:d by fcderal!aw as of the date of this Security Imttument, If Lender Cli,ereJses Ihis option, Lender shall give Borrower notice of acceletlllion. The notice shall provide a period of less than 30 days from the da~ the notice is dcliveJtd or mailed within which Borrower must pay an sums sceured by this Security Instrument. If Borro~r fails to pay these sums priOt to the expiration of this period, Lender may invoke any remedies pennitted by this SecurilY InstrUment without further notice or demand en Burrowel, WITNESS TIlE HANn(S) AND SEAL(S) OF THE UNDERSIGNED. p~J- ~) .Af1/1 (/ 1- '" () ~ Ii. j I ~(S"I) MI'cfdEtR.'tfi.LLf- rJ-- (Seal) - o~a- WITNESS (Seal) .-. Wilm:ss Witness co~~ nG:lISStlSJU)l'iTElCH-RI!VlSEI>6I9Slb Pap2of2 -'-"'l:.~, ':'~l ,~", - ~/! 1,,,,,,'1' "C'.',';.,,?,,",> "'." .,,~. "..",,"'" l'" , w", Exhibit "C" '-_'--c'(,n<"",.", ,,",'_"," -,'~'-- . ,n._.., ",',",~~ '" ="~,, -- " ,~ ALL THAT CERTAIN messuage or tract of of Mechanlcsburg, Cumberland County, descr~bed as follows, to wit: BEGINNING at a post corner of. York and Marble Streets; thence north by said York Street seventy 1701 feet, f"our 141 inches to lot of Jacob Zinni thence east by said lot one hundred si:.cty- two (1621 feet six (6) inches to a twenty (201 foot alley; thence south by said alley fifty-two (52l feet. six (6) inches to Marble. Street; thence west by said Marble Street one hundred sixty". three (163) feet to the place of BEGINNING. land situate in the Borough ~ennsylvania, bounded and HAVING thereon erected and now being a dwelling house, 439i!. York st., with necessary outbuildings. Being the same premises which A. Hilary Payne, by Indenture bearing even date the 9th day of April A.D. 1996 and intended to be forth- with recorded in the office for the recording of deeds in and for the County of CUmberland, the Commonwealth of Pennsylvania, granted and conveyed unto Ann Hilary Payne and Michael R. Kelly, in fee. .~ "~ti~ of PennsYlvania } ',l~"I\y of Cumberland SS ,rded in lhe office for the recording of 0.- , ~n'~d~"\>/.lm~.nd Cou~ "" LQ~l::LVOI._Pag~ ;", my hand ~I 0/ o. ) () ';;'h,PAthiS~dav 19,ID . - Bo0M1314 rAGE 544 '-:^0'F",,q-4!~ , - ~, < C 't" ,'~ ~. i,'- . ~ ~'" - ~- . 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III '" ""~ Q) -b;~ :5 ~ E =5~d . - 0 -,,- ~ ~.2 ;...,>:s.. ~~"Cl ~Iil " . ... ~'t; ~.EP8-d C'l::;-g~ .s E '" '" l.s ~.~ . ~ . EU" a ::;:J ;>-'01) Q '" ou ~ ;;.;gjEgb I == ~ t:: f;;;il ~ o:l 0 ~ o"d 8 <.!::@<I.l ,,;!:: <1)-5 E- ~ ~~ ~l-<la", O~.::lt: :;: ~ ., s ~ 1:i ~ ~ 0" Ei.- os. z... ....g' o ~a::: ~.E Oll.,g ~~~o j;J-S~ '" "E -- rL!o~tU <..co-E: I.. \- -4. ,.-' Exhibit "E" "-WI _';\'~'r'~""""'''':'':i':<',:,;"c ':1:' , I~' , ,,-, , ~~:' '''J''''', -'I''"' .' --;~ "','. " wK <"-"-" '"~,-,,,. ',' ~--~-, ~> " " " ',~~ ,y' ",~, ~"-,, ',' , --~'" ~< , """ f, ~.' NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT. (the Act) 15 U.S.C. SECTION 1601 AS AMENDED 1. 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 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 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 ofllie debt or some portion thereof. 5. lfthe 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. lfthe creditor named as Plaintiff in the Complaint is not the original creditor, and if the debtor makes a written request to the creditor's law firm 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 firm. 7. WrittenTequests should be addressed to Spear & Hoffman, P.A., 1020 North Kings Highway, Suite 210, Cherry Hill, NJ 08034. '-*~'''"- ,,~- . ~,,~ ,,-':","~'"""_>', .'.-'1,'_c,_ ,- '_,_, ^,n;",'! "'\1""',"""" ,,' "\"~"-; l-'''f,,~:?-: ~.',~'CJ""'V,k--,~ :___~,' =__~;,-:" '--,', ~<"1""""_ ,-_-'"e_.'__" " <,~, ,,"','" "n ,_ -'-", , '~'""-,L ,J "-",,~~~,." ."~ ~ ~~" ~ - , ,,> "-'~""""'" """,,' "_,,,q,,,","",'~'_~M'''' H~'"". ,.;",,"_0. ,~ ""." .._--, ,"'1" ,>;',j, ,~" ",,' "><"""rli~""V"1IiIn" ,n" ~ ~ ~~ * ~ . .err. ~ '-l q&3 \" ..0 f fA} I " 0- Cf!l() "C; fj- ~ """':)7'{"..1' "..h' '-'' -'. -- "-,i'~~:n",,~p"E":'if,WlP1~~( ""'"",,, """"h''''''''"'l'ii'il~j!~ITI ill'" M'mr'::r[:I:~,~,~'21,rrr,:, f_, ".- - -r' - - '}":"f",";',,~'I,r "'~,, '''~'':'::_'''';~,",'' 'm~k:",~ _",..:, ,_ "- t,~~,\.",,~,",,:,.,> ',"',' ,,;:,,- -' ..,.......-J->r c...) ~, C) , , C "",') B ~,-,- ,.-" ---j "p L!::: -1 , .' ') ~~ I " 7' (-',.' it:) () -<" , r.:;: ~ ~ " ,--.., I, .I , ,"'>1 L () ::,..) I ~, c: )> Z ;".,) ;g :;) (Xl -. , ,,-. "," L:m~,,.. .,""~g~,-,: !!'I -"':"-"','o':'-"'':'i'''-,-"",__ ,__,' 7~, ~,':::_,', '.C :'i~~- 0",:''''')' -''-'tt''"1.'T- "" '.,'" -, SHERIFF'S RETURN - REGULAR - . CASE NO: 2001-06850 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND BA MORTGAGE LLC VS PAYNE ANN HILARY ET AL DAVID MCKINNEY , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon PAYNE ANN HILARY the DEFENDANT , at 1850:00 HOURS, on the 5th day of December, 2001 at 439 S YORK ST MECHANICSBURG, PA 17055 by handing to ANN PAYNE 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 18.00 6.50 .00 10.00 .00 34.50 So Answers: //. r~n'#<f~ R. Thomas Kline 12/10/2001 SPEAR & HOFFMAN Sworn and Subscribed to before me this i 3 "t- By: ft~~~ Deputy Sheriff ~ day of ~ OLi>t;/ A.D. qJ~ 0 /vulPL. ~ ~ ' Prothonotary ~""""-"~"'"'~""'" ",~i[~'f;~n ill.; ~I\l._l ,r, " , ........... "~ ~ ,H,~=~ ,. ," "_, ,,=<:"""'''-1<''''i'' r"~- J' T' nrL~~f""""~~'''TI" SHERIFF'S RETURN - REGULAR . . CASE NO: 2001-06850 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND BA MORTGAGE LLC VS PAYNE ANN HILARY ET AL DAVID MCKINNEY , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon KELLY MICHAEL R the DEFENDANT , at 1850:00 HOURS, on the 5th day of December, 2001 at 439 S YORK ST MECHANICSBURG, PA 17055 by handing to MICHAEL KELLY a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 6.00 .00 .00 10.00 .00 16.00 So Answers: .~g~"~,,,</~ R. Thomas Kline 12/10/2001 SPEAR & HOFFMAN Sworn and Subscribed to before By: fl~~:@'~ryv~ Deputy Sheriff me this J3f?;:: day of ~L.... ;)6-1) ( A. D . q'fp'rfih!/:~:l~1 A 07{ ,>",.."".",~.,,,,.._,,, . ~ - - >1 -,"~ il!I.", ~'~1~"~ -'~',;;"; 'ff' t 'Ill ~, ~"'" " SflEAR & HOFFMAN, P.A. BY; BONNIE DAHL, ESQUIRE ATTORNEY I.D. NO. 79294 1020 N. KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF LOAN# 1084769528 BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NA TIONSBANC MORTGAGE CORPORATION 475 CROSSPOINT PARKWAY P.O, BOX 9000 GETZVILLE, NY 14068-9000 PLAINTIFF, vs. COURT OF COMMON PLEAS CUMBERLAND COUNTY 0/, DOCKET 6850-CIVIL TERM ANN HILARY PAYNE AND MICHAEL R. KELLY 439 SOUTH YORK STREET MECHANICSBURG, PA 17055 DEFENDANTS PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY; Enter Judgment IN REM in the amount of $143,746.02 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 6.625 % from 05/01/01 to NOVEMBER 26,2003 (749 days @ $22.49 per diem) Late charges (for certain months prior to default and every month after at a rate of $42.32 per month) NSF Fees Attorneys Fees (As stated in Complaint) TOTAL AMOUNT DUE ~ , BONNIE DAHL, ESQUIRE Attorney for Plaintiff $123,929.55 $16,845,01 $126.96 $15.00 $2,829.50 $143,746.02 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 $14 , 46.02 "'~ , _" --;,' ~,~-,___, ,', ~C~, ilOC'_ rIii~ SPEAR AND HOFFMAN, PA BY: BONNIE DAHL, ESQUIRE ATTORNEY I.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. : 1084769528 BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO.O 1-6850-CIVIL TERM vs. ANN HILARY PAYNE AND MICHAEL R. KELLY DEFENDANT(S) NOTICE To: MICHAEL R, KELLY 439 SOUTH YORK STREET MECHANICSBURG, PA 17055 Date of Notice: MAY 5. 2003 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOUHA VEFAILED TO TAKE ACTION REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS, YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET HELP: CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, P A 17103 (717) 249-3166 -'-.,.. I~ {ONNIE DAHL, ESQUIRE . Attorney for Plaintiff THIS LAW FIRM MAY BE DEEMED A "DEBT~OLLECTOR" UNDER THE FAIR DEBT COLLECTION PRACTICES ACT. ANY AND ALL INFORMATION OBTAINED DURING THE PROSECUTION OF TIDS LA WSUIT MAY BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. Q. -:1"'~, __ __, ,~'" .~, -r" , to, -~1='"~~ SPEAR AND HOFFMAN, P.A. BY: BONNIE DAHL, ESQUIRE ATTORNEYLD. NO. 79294 1020 NORTH KINGS HIGHWAY SUITE 210 CHERRY HJLL, NEW JERSEY 08034 (856) 755-1560 FAX (856) 755-1570 ATTORNEY FOR PLAINTIFF, LOAN NO. : 1084769528 BA MORTGAGE, LLC SUCCESSOR IN JNTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO.01-6850-CIVlL TERM YS. ANN HJLARY PAYNE AND MICHAEL R. KELLY DEFENDANT(S) NOTICE To: MICHAELR. KELLY 439 SOUTH YORK STREET MECRANICSBURG, P A 17055 Date of Notice: MAY 5. 2003 IJ\tIPORTANT NOTICE YOU AREJNDEFAULT BECAUSE YOURA VEFAILED TO TAKE ACTION REQUIRED OF YOUJN THIS CASE. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAYBE ENTERED AGAJNST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IJ\tIPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT RAVE 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 A VENUE CARLISLE, PA 17103 (717) 249-3166 'A~ BONNIE DAHL, ESQUIRE Attorney for Plaintiff 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 MAYBE USED FOR THE PURPOSE OF COLLECTING THE DEBT. 0, -,G'%1'{'!'~, 1~""". ,,' " " . - - 1~"~ 1":" r SPEAR & HOFFMAN, P.A. BY: BONNIE DAHL, ESQUIRE ATTORNEY I.D. NO. 79294 1020 N. KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION PLAINTIFF, COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY vs. NO, 6850-CIVIL TERM ANN HILARY PAYNE AND MICHAEL R. KELLY DEFENDANT(S) CERTIFICATION OF ADDRESS I hereby certify that the correct address of the judgment creditor (Plaintiff) is: BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION 475 CROSSPOINT PARKWAY P.O. BOX 9000 GETZVILLE, NY 14068-9000 and that the last known addressees) of the judgment debtor (Defendant (s)) is (are): ANN HILARY PAYNE 439 SOUTH YORK STREET MECHANICSBURG, PA 17055 MICHAEL R. KELLY 439 SOUTH YORK STREET MECHANICSBURG, PA 17055 SPEAR & HOFFMAN, P.A. BY: ~ , BONNIE DAHL, ESQUIRE "'$, ' ',". 'y,-~ -,,,'," "_,; --~,o__ SPEA:R & HOFFMAN, P.A. BY: BONNIE DAHL, ESQUIRE ATTORNEY I.D. NO. 79294 1020 N, KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION PLAINTIFF, vs. ANN HILARY PAYNE AND MICHAEL R. KELLY DEFENDANT(S) COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO. 6850-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: ANN HILARY PAYNE 439 SOUTH YORK STREET MECHANICSBURG, PA 17055 MICHAEL R. KELLY 439 SOUTH YORK STREET MECHANICSBURG, PA 17055 "'" m.I""~) j !,"!"",~ "T"~~,/f""~!'---- C',\':-",_;<;<;'F',.-,_, ":' '",1'''' .' ''-'-<", ""'''---o<-'C;-''~:c'''~,'i''~', SPEAR & HOFFMAN, P.A.. BY: /h- BONNIE DAHL, ESQUIRE . ,"', ^C~"",_'" _., - SPEAR & HOFFMAN, P.A. BY: BONNIE DAHL, ESQUIRE ATTORNEY J.D. NO. 79294 1020 N, KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 A TTORNEY FOR PLAINTIFF BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. 6850-CIVIL TERM vs. ANN HILARY PAYNE AND MICHAEL R. KELLY DEFENDANT(S) AFFIDAVIT OF NON-MILITARY SERVICE BONNIE DAHL, ESQUIRE, being duly sworn according to law, deposes am! says that he is attorney for Plaintiff in the above-captioned matter, that he makes this Affidavit on Plllintiff's behalf, and that the statements in this Affidavit are true to the best of his knowledge, information and belief. Defendant, ANN HILARY PAYNE AND MICHAEL R. KELLY, is over 21 years of age. His last employment is unknown. Defendant is 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 connection with the judgment upon a note and mortgage secured upon the premises located at 439 SOUTH YORK STREET MECHANICSBURG, PA 17055. SWORN TO AND SUBS;l1BED BEFORE ME THIS ?I...- DAYOF~~J'M\W\, 20...8. Y7-.. ..) BY: ~ ~ ~ /BONNIE DAHL, ESQUIRE , :::..12:j'~) ,'r.c.-"', - ::'_:--"):'-:;,-:'./_,- ~~2-J~n December 2,2003 ,- "'" ~1" , (,- ''r' " ,,,. " ",:.,- >, ~''? "",-,_" ,,_,<, _ .~,,~ ,,-. 1"'" ',- ,;.. -'~'7 ',':"";--__ ",'-",--'-c" ~ ~".. "'7'- ".,,,____,-,'..',,,'-'. ,-,."'_,1""', i~~'" SPEAR & HOFFMAN, P.A. BY, BONNIE DAHL, ESQUIRE 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 BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. 01-6850-CIVIL TERM vs. ANN HILARY PAYNE AND MICHAEL R. KELLY 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 an~, 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. SPEAR & HOFFMAN, P.A. Dated: MAY 5. 2003 BY, /:3~ BONNIE DAHL, ESQUIRE Attorney for Plaintiff '~~""'W_~, , , , I" ,",'-y"',;'f:,',, .co_,,_'"." '~'';'"~''''~,~,'',F,1'", , --""'--:'<-):';'1":7,", -<;"'" "o'g c__ ' ~''''''~'' '''''~i "'8>,,.,_ -,' . ~F ~, ,-;. '__.'", _p ,,< "'--,^" " .,- ~,~ , , -, . ~".~,,,',, r,' V,__ ~~ ,",_','" ,,;=, .."'__" _",_'~'\ ,"'~, "'~"c:1.}if,:__'Y--'- ,___,~ "_^_,,~,__)m'H,,,. ' - ~-,- 0'''' - 'C;~<'_'" '<"'-,'>, '",' --' ", ,~ ''''''''>~''''~''''''fidl't<ff7-%\i ~~ ~ .(g. :-0 - 0 () r ~ - fI) ~ ~ .~ Q - ~ ~ ~ ~:n ....0 n I ..... \If ~ w "e is, <"' -"'9 f: " :r ~.:fj ~ '. ~ Q U1 ~ N , " .-'?'"' "l-" ,;i -,,""'f"_~ ~t~~,~,1[~_.~~1S!~~l'$ll .-,',',,- ',.-", .-', ,.-;:,",-- .'~'~ '''"'''':'r''_'''''''''.,40.1~II~lli IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY. PENNSYL V ANlA CIVIL DIVISION PRAECIPE FOR WRIT OF EXECUTION BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION ( ) Confessed Judgment ( Other vs. File No. D I 6850-CIVIL TERM Amount Due $143.746.02 ANN HILARY PAYNE AND MICHAEL R KELLY Interest 2.268.43 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, but if it does, it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as amended; and for real propertypnrsuant 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 of the defendant(s) County, for 439 SOUTH YORK STREET. MECHANICSBURG. PA 17055 PRAECIPE FOR ATTACHMENT 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 ofthe description; supply four copies oflengthy personalty list) and all other property of the defendant(s) in the possession, custody or control of the said garnishee(s), (Indicate) Index this writ against the garnishee(s) as a lis pendens against real estate of the defendant(s) described in the attached exhibit. . /2 DATE: NOVEMBER 26.2003 _Signature: ~ Print Name: BONNIE DAHL. ESOUIRE Address: 1020 N. KingS Highway. Suite 210 Cherry Hill. N.J. 08034 Attorney for: BA MORTGAGE. LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION ',,,,,R!~..,^, ,_ -,~ "~,_ R ">~_,!-?",_",,,. ,- """'1"'- ~ ,~".- "<<'-0'-, ~- '''-''~~'' " :"'~',^,,,:,"';~," ~, 'C_' ' ~<" . ',. -" - ',' .--. - "~ ::E ~ ~ E-< ....l - >- - U , o on 00 \0 o Z < u..- oZ ",< <>- ~....l ....l>< ~'" ZZ offi ::E~ ::E . o~ Uz u..:::> 00 E-Z 0< U....l ~~ :Ii~ E-<J:ll Z::E -:::> U ""v> ">".,," >- ' ~ ~~ ftg;:::=, . o ~: wa. ~~.. u::~; 1;5 Z o - E-< ~ E-<O ~~ ~U E-<~ Zo -< Zo -E-< ~~ 00 12::E ~U Uz u< :::>J:ll "'", uz ....lo ....l- .E-< ~< OZ <u.. 00 ~~ o~ ::E~ <~ J:ll::E >< J:ll - ID N z: G.. ~'-::- '- ':; -- ::d 1i ~ ~~: I O-()\)J~O <)l.Il()~Ov, V;~~~o-:C\S -6;: "I) - " ~ ....l ~ ~ ....l p:l < :Ii U - ::E Cl Z < ~ >< < ~ >< ~ < ....l s: Z Z < Z'Qi :2 !3 E-< ~ :::>- U '" ~ ~ f;l;l"" "' "" OIl O~ E-<t:: ~ Q :::6 M I U W o M o on :> on - on o U . ~. .:: "" '1:l >01 ~ :>, 'S I-< ~ ~ ~ ~ \) lI) nr r"\l ...... "" 1<1 '" o(j & .J' .~ I-< is: ~~- -f cB.../ ~ J () In ~~ "" E-< '" o U ....l < Eo-< o Eo-< ~. .~ = p:l ~ -"-< ~~ 0';:: '" "~ p:l-'S .~ ....l I-< :Ii<S < :>, Cl 1:J p:l I-< _ 0 zj:j z< o J:ll ..,~ '-, ~ ',., -- -- o - '" p:l > Eo-<.... <-'" ':::>0 p..cn~ :i;: "0 <<':\0 ::EiS:z~ u..:Ii 'on u.. ,~ ....l on O"-'....lr- - - :Ii:Ii:IiG' o(j"'><:2 ~~~~ <~p:l g; .:Ii "'zu o '" o - "~,. --~'-~''''''''''.;'-'~'(f.r;jf\''F:'iW'fl Q ~ -c ~~ .j .... ~ ~;t ~ ~ "',""."" """""".Y',,-",y,,",,, """"p","~"","'""' ,,,, ~ ,~",:--,-.~",-"~JlI~~';" ~~_IfJ1if~,",~~ ,~~~J'<~~"'" ,'_, ' , __ _, ,,<, j!!i!!l-"" --: "-".,.1~1-c"~,,,,".,, ,"/.,;L'~"'1"',~"". \0 "~rr- -1 _ iii c" . ", WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due BA MORTGAGE LLC SUCCESSOR IN INEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION, Plaintiff (s) From ANN HILARY PAYNE AND MICHAEL R. KELLY NO 01-6850 Civil CIVIL ACTION - LAW (I) You are directed to levy upon the property of the defendant(s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) 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 him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $143,746.02 Interest $2,268.43 Atty's Conun % Atty Paid $122.50 Plaintiff Paid Date: DECEMBER 3, 2003 L.L. $.50 Due Prothy $1.00 Other Costs (Seal) CURTIS R. LONG prothono~ p 70 ~ D--r I - :J).A..- "l ~ Deputy REQUESTING PARTY: Name BONNIE DAHL, ESQUIRE Address: 1020 N. KINGS IDGHWAY, SillTE 210 CHERRY IDLL, N.J. 08034 Attorney for: PLAINTIFF Telephone: 856-755-1560 Supreme Court ID No. 79294 "-"''''''''';;;)llll:i'flf~ .__,,_,~, ~~ r ". ~ -~i' , . "'1- - &;1""''' UNITED STATES BANKRUPTCY COURT MIDDLE DISTRICT OF PENNSYLVANIA INRE: KELLY, MICHAEL ROBERT CASE NO. 01-06562MDF-1 CHAPTER 13 KELLY, ANN IDLARY DBA KELLY, A HILARY FKA PAYNE, ANN Debtor(s) NOTICE TO CREDITORS AND OTHER PARTIES IN INTEREST Notice is hereby given that the Court has entered an Order dated March 18,2003 DISMISSING the above-captioned case due to: Chapter 13 Trustee's Objection to Plan DATE: March 18, 2003 Clerk, U.S. Bankruptcy Court 228 WALNUT STREET P.O. BOX 908 HARRISBURG, PA 17108-0908 VAN-8? -,,,,,,,,,.*~,, "," ' "I --" if~ SPEAR & HOFFMAN, P.A. BY: BONNIE DAHL, ESQUIRE ATTORNEY J.D. NO. 79294 1020 N. KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY 01... DOCKET NO. 6850-CIVIL TERM vs. ANN HILARY PAYNE AND MICHAEL R. KELLY DEFENDANTS CERTIFICATION BONNIE DAHL, 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. section 4904 relating to unsworn falsification to authorities. ~ - 130NNIE DAHL, ESQUIRE Attorney for Plaintiff <i"-~,hf1", , _ "-.,~" "'2"~o~~",,"r.-<, 7',,-"'< ':, --,"._'_': ;en: 1 ,~ ,---..,~ '.- -, '--"~",,' ,,,'.~ ',,-'<",C" - ",,",,'j,'c_,;',', ," _,,,e_',,__ "'" _', "..",._~ be ,,' ,," -I' ,,- :'_^' ,_,,,',;r-,_,,,.-' ,1..- _ "_'~_~'__"+_,,-\~,'Cf- No ". 3"', '/ ,e'. ."c _.,_,'/<'\_'-;"_',,"F;'_f_.F:,-; "--,-'-' -~'" - . '"~- .~-" +0' ~ ~M~"O ,-~ -~~ '~-'~"'P~>'-'"""--m'i''-[~ ': _:"nWg'-'tJb::t-;:it",rJ;~ '0 ~ U ~ --I -~. ("") 1M'" , -~' I ;gm ~ ..~ u:' ,.: ~, ;;;:e ..., ~6 , k! :x ~ ~ Q' <.It i .t'<) -< 8: '('-'~'~;-',7'"''''~'-7_h,--,-!~1i,;-,.,-_-'~'~~~~"~~~i" ALL THAT CERTAIN MESSUAGE OR TRACT OF LAND SITUATE IN THE BOROUGH OF MECHANICSBURG, CUMBERLAND COUNTY, PENNSYLVANIA, BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT; BEGINNING AT A POST CORNER OF YORK AND MARBLE STREETS; THENCE NORTH BY SAID YORK STREET SEVENTY (70) FEET, FOUR (4) INCHES TO LOT OF JACOB ZINN; THENCE EAST BY SAID LOT ONE HUNDRED SIXTY TWO (162) FEET SIX (6) INCHES TO A TWENTY (20) FOOT ALLEY; THENCE SOUTH BY SAID ALLEY FIFTY TWO (52) FEET, SIX INCHES TO MARBLE STREET; THENCE WEST BY SAID MARBLE STREET ONE HUNDRED SIXTY THREE (163) FEET TO THE PLACE OF BEGINNING. HAVING THEREON ERECTED AND NOW BEING A DWELLING HOUSE, 439 S. YORK STREET, WITH NECESSARY OUTBUILDINGS. BEING THE SAME PREMISES WHICH HILARY A. PAYNE, BY DEED DATED APRIL 9,1996 AND RECORDED APRIL 18, 1996 IN THE RECORDER'S OFFICE IN AND FOR CUMBERLAND COUNTY, PENNSYLVANIA IN DEED BOOK VOLUME 137, PAGE 860, GRANTED AND CONVEYED UNTO MICHAEL R. KELLY AND ANN HILLARY PAYNE, THE MORTGAGORS HEREIN. PARCEL # 20-24-0785-414 -',C""',T ".~- -:,' :~,~?--' ->":"7"J',''';-,~- - . c: ',-;' -",: -'_c""" ',-YC -;,", -1"--- -- - '-,' :'-:-';~-/;--'_':-_' _}'''-~_''_ . """, e. . , ", _',,~,~,,_,. . 'c'~ .'" _r ~_ .,,",!,c ,~ ,~ 1 SPEAR & HOFFMAN, P.A. ;i BY: BONNIE DAHL, ESQUIRE ATTORNEY I.D. NO. 79294 1020 N. KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF ~ BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY 01... DOCKET NO. 6850-CIVIL TERM vs. ANN HILARY PAYNE AND MICHAEL R. KELLY DEFENDANTS AFFIDAVIT PURSUANT TO RULE 3129.1 BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION, Plaintiff in the above action, by its attorney, BONNIE DAHL, 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 439 SOUTH YORK STREET MECHANICSBURG, PA 17055: 1. Name and address of Owner(s) or Reputed Owner(s): ANN HILARY PAYNE 439 SOUTH YORK STREET MECHANICSBURG, PA 17055 MICHAEL R. KELLY 439 SOUTH YORK STREET MECHANICSBURG, PA 17055 2. Name and address of Defendant(s) in the judgment: ANN HILARY PAYNE 439 SOUTH YORK STREET MECHANICSBURG, PA 17055 MICHAEL R. KELLY 439 SOUTH YORK STREET 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 5231 PENN AVENUE PITTSBURGH, PA 15224 CITY OF PITTSBURGH 1705 BELLEAU DRIVE PITTSBURGH, PA 15212 !'-"f'f>_~ 0 , '--"''f_':-_?':-,:<,";,,o:i:i''i',>~---'' - '_"~__<;TI ' ""~-?; --J--"'-' 7 "_;:,::'1''''~'0~:_'' - -~ :'~-" ~.- '---:'.",\c'",-. _ ,__ _~_,~--:.. ,-_H_ ,-___ ] ;]S. . 4. Name and address of the last recorded holder of every mortgage of record: . BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION 475 CROSSPOINT PARKWAY P.O. BOX 9000 GETZVILLE, NY 14068-9000 EASTERN MORTGAGE SERVICES, INC. 205 PARK CLUB LANE BUFFALO, NY 1431-9000 NATIONBANC MORTGAGE CORPORATION 205 PARK CLUB LANE BUFFALO, NJ 14231-9000 FULTON BANK ONE PENN SQUARE LANCASTER, PA 17601 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: DOMESTIC RELATIONS P.O. BOX 320 13 N. HANOVER ST. CARLISLE, PA 17013 COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE - LIEN BUREAU OF COMPLIANCE DEPT. 280946 HARRISBURG, PA 17128-0946 ATTENTION: SUE BLOUGH COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX DIVISION DEPT. 280601 HARRISBURG, PA 17128-0601 CUMBERLAND COUNTY TAX CLAIM BUREAU 1 COURTHOUSE SQUARE CARLISLE, PA 17013 CAROLYN MCQUILLEN TAX COLLECTOR 1044 PINE ROAD CARLISLE, PA 17013 , r",_}~i~,,,,,..,. : ,,-,~ "'~",. ',-,,,", ,"- --:--'"-"" ~, '-" 'i"~7-':Y"_ -- , ~ '"" _'0' "---"..-,"' -''0' ~, _ _~_ '", ,- ~ -~ -, '''"-.,, '---'->,~, "'"~-,,,-,,,'-"'--.- --~ ~"'~. ~,", '- -<~.. ,% I 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) 439 SOUTH YORK STREET MECHANICSBURG, PA 17055 I verify that the statements made in this affidavit are true and correct to the best of my persona.l knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. 24904 relating to unsworn falsification to authorities. SPEAR & HOFFMAN, P.A. ~ BONNIE DAHL, ESQUIRE Attorney for Plaintiff ;~,7___1i _ _. - - '-Io_-"""'-''''''';i~'t\'''''':"'>"h,""" !!!-",,~;;- -~",- ,-: <<'i-C," ", -'1''-' ''', -," ,--- "., -. "'?C<, "'.> ,,,,,,,-,_, _ . ...,"~ " ".~~ ',~--r:--, ~ - " ,7---' --:, - "'""'''-~'- ',',' . -, -~- - - ," ,", "~ -_~, ,;,;_"-"",,,,~.v, ,~~~. II . ~ ,(~(It' . 0 .~ c.:> Q -< ,., I"JJ <'I ~'l;; > 'r- I .&l"n .~ 0 v) ;~) $ -,;) ~~ :::&: ,5 iSj 15m en ~ N '< ,/,_,_"__,,~,,"c -'1-_ __~,_ Co ,);","'_">''' .,-""_):-___","',"-,';"!.~:<,,F:',:w:'"_r'_t':'>.._,;-:",~___,_ 7~'-.," ,~ ~ J"'" ~--, .\',~'~f-'-7'_ ","<\, ,'_'f!_-_:,~~_,~~~(iI~~i~r~'~li~~~~~-~ lMlJiN, - SPEAR & HOFFMAN, P.A. . BY: BONNIE DAHL, ESQUIRE ATTORNEY I.D. NO. 79294 1020 N. KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY Dl... DOCKET NO.6850-CIVIL TERM vs. ANN HILARY PAYNE AND MICHAEL R. KELLY DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: ANN HILARY PAYNE 439 SOUTH YORK STREET MECHANICSBURG, PA 17055 Your house (real estate) at: 439 SOUTH YORK STREET MECHANICSBURG, PA 17055 is scheduled.ro be sold at Sheriff's Sale onMARCH 3,2004 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 $143,746.02 obtained by BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION against you. NOTICE OF OWNER'S RIGHTS YOU MAYBE 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 BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NA TIONSBANC MORTGAGE CORPORATION 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. "--., - -'<, co' ,(",,,,,>~, ",~~t', ,..,~,~,'" <~"~_' - ;" ]"_".,,'. ",.,', " -e-"'7__,:>_~"',''''~''"';'-' -, ,,~ , ',p~.."",, 5~-" - ,~_ '" ,--" , ~ ... ">'C~ .... You may need an attorney to assert your rights. The sooner you contact one, the more chance . you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (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 thanAPRIL 3,2004 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 innnediately 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 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. ,..';,_''c..,""'',_ , ,,":-:C,~ ,'"' _,,"~~--~--,,_.'_, ;'~'-'" "":_,,,~,:,,"_,_, >'1:-' ,o~.-" 0 '"' '~"':_,~"f?'-:~'f- ,> /',_ ~ "0< "'c __ "" ",_" --i-",'-",_"'"" _ __ , .. ALL THAT CERTAIN MESSUAGE OR TRACT OF LAND SITUATE IN THE BOROUGH OF . .MECHANICSBURG, CUMBERLAND COUNTY, PENNSYLVANIA, BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT; BEGINNING AT A POST CORNER OF YORK AND MARBLE STREETS; THENCE NORTH BY SAID YORK STREET SEVENTY (70) FEET, FOUR (4) INCHES TO LOT OF JACOB ZINN; THENCE EAST BY SAID LOT ONE HUNDRED SIXTY TWO (162) FEET SIX (6) INCHES TO A TWENTY (20) FOOT ALLEY; THENCE SOUTH BY SAID ALLEY FIFTY TWO (52) FEET, SIX INCHES TO MARBLE STREET; THENCE WEST BY SAID MARBLE STREET ONE HUNDRED SIXTY THREE (163) FEET TO THE PLACE OF BEGINNING. HAVING THEREON ERECTED AND NOW BEING A DWELLING HOUSE, 439 S. YORK STREET, WITH NECESSARY OUTBUILDINGS. BEING THE SAME PREMISES WHICH HILARY A. PAYNE, BY DEED DATED APRIL 9,1996 AND RECORDED APRIL 18,1996 IN THE RECORDER'S OFFICE IN AND FOR CUMBERLAND COUNTY, PENNSYLVANIA IN DEED BOOK VOLUME 137, PAGE 860, GRANTED AND CONVEYED UNTO MICHAEL R. KELLY AND ANN HILLARY PAYNE, THE MORTGAGORS HEREIN. PARCEL # 20-24-0785-414 "!1 ~",4" UJ!!f ". ,..'~ " "~, ~,~~" ",.~' "'^ ~,,- - .."-.',' "'. ,',,,"c''''''-''....,,' ""~"'''^' ~ .~~~~~, _' r" ~ ,~~~~:f;J8i1';~%-?'"'!;'W"!~~':-~l'.,;::h-";"'. lllij' "]rniHJIlli'I'l',Vf""'j'\b"" .. . . 0 ~ c.;) 0 .,~~ ,.., ::::c ~..." r> f"nr~ __'~ :ri t ~~ "" e -Q ~~ ~\ ::t: g N (5 ., "'" ;J\ i "., ,7' SPEAR & HOFFMAN, P.A. BY: BONNIE DAHL, ESQUIRE i ATTORNEY I.D. NO. 79294 1020 N. KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY ",... DOCKET NO.6850-CIVIL TERM vs. ANN HILARY PAYNE AND MICHAEL R. KELLY DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: MICHAEL R. KELLY 439 SOUTH YORK STREET MECHANICSBURG, PA 17055 Your house (real estate) at: 439 SOUTH YORK STREET MECHANICSBURG, PA 17055 is scheduled to be sold at Sheriff's Sale onMARCH 3, 2004at: 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 $143,746.020btained by BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION 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 BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION 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. _'--",",0' . ~';'-'J 11:1 :1 -, ~ - ' , 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.) 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 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 thanAPRIL 3,2004. 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. , ---'c~ ',' I ALL THAT CERTAIN MESSUAGE OR TRACT OF LAND SITUATE IN THE BOROUGH OF MECHANICSBURG, CUMBERLAND COUNTY, PENNSYLVANIA, BOUNDED AND . DESCRIBED AS FOLLOWS, TO WIT; BEGINNING AT A POST CORNER OF YORK AND MARBLE STREETS; THENCE NORTH BY SAID YORK STREET SEVENTY (70) FEET, FOUR (4) INCHES TO LOT OF JACOB ZINN; THENCE EAST BY SAID LOT ONE HUNDRED SIXTY TWO (162) FEET SIX (6) INCHES TO A TWENTY (20) FOOT ALLEY; THENCE SOUTH BY SAID ALLEY FIFTY TWO (52) FEET, SIX INCHES TO MARBLE STREET; THENCE WEST BY SAID MARBLE STREET ONE HUNDRED SIXTY THREE (163) FEET TO THE PLACE OF BEGINNING. HAVING THEREON ERECTED AND NOW BEING A DWELLING HOUSE, 439 S. YORK STREET, WITH NECESSARY OUTBUILDINGS. BEING THE SAME PREMISES WHICH HILARY A. PAYNE, BY DEED DATED APRIL 9, 1996 AND RECORDED APRIL 18, 1996 IN THE RECORDER'S OFFICE IN AND FOR CUMBERLAND COUNTY, PENNSYLVANIA IN DEED BOOK VOLUME 137, PAGE 860, GRANTED AND CONVEYED UNTO MICHAEL R. KELLY AND ANN HILLARY PAYNE, THE MORTGAGORS HEREIN. PARCEL # 20-24-0785-414 "~~~"', ''''''<,; , ,m" " -"I , , " . ' ,. .. " ,,~,__ ,_ ,.~,,!(!'~,fIT) ",., - '..'''' --,"',&/. "- ,. . M.,y...d"""~'IIii'rfr'ITjr"r~~'ji~ , C! ~, "" <;;) ..... m ~'::I! ;;-") . ("" I :88 (.oJ ,.. .....tQ -0 ~~ :x: ~ ~ OJ. ~ N is f JII.nr~~~~~~~~~~~~i~,~~Ym'!"l''1'';Fg<PK'clF;'':'''iO;;';''~'-~''''J!f>n;~11'h;'-'1'$=-j'O'lC;-'f-~;;('',;~,-''';'''',11;':''WOf.~i~f,r,~~~~:~ ,_d,,~; ;~'\$H:'-'~~'(~"j ,- --~ " - ",', , Spear & Hoffman, P.A. KEVIN DISKIN, ESQUIRE Attorney LD. No. 86727 1020 N. Kings Highway, Suite 210 Cherry Hill, NJ. 08034 (856) 755-1560 Attorney for Plaintiff BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONBANC MORTGAGE CORPORATION vs. COURT OF COMMON PLEAS CUMBERLAND COUNTY 0/ DOCKET NO. 6850-CIVIL TERM ANN HILARY PAYNE AND MICHAEL R. KELLY Defendant CERTIFICATION OF NOTICE TO LIENHOLDERS PURSUANT TO PAR.C.P. 3129.2 (C) (2) I, KEVIN DISKIN, ESQUIRE, Attorney for Plaintiff, hereby certify that Notice of Sale was served on all persons appearing on Plaintiffs 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 :':~~,~d"J. "-, ,",-0" -'-'__",,--"'';,);11?'.f:1'''''!'",,;' v,-<,,~.,-_, ","',f' --r~-- ''''c> '-"','__".'", ".~""",. --, '"" ,'" ,n",' '" ,~ ,', ", ~" --T- ~"'F' "1l r~ (f) !is ~ lti>> 3 3: ~ :r:.~!~t ~ g.g, . " .. ;JI ~' " . ~ ~ -< - '" '" .. ~ !~ c !!. <II . 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G S 5 0- ~ III g- . ,.- g -)> _0 ,,~ ~,~ ~Ii <, !!!.l! . ' . . ~ ~~!g~ ~lIli~a~ g ~Ir~~~?, rn ' ilIf: 8 lll~ -~ _\ 1=6 "0 g>1lI (\'1 1:'- ~'~1il t ~- ~ ~~:;:,> j, - . ~;.~:>. ~t Ji<.?nIIi,~'i~.gi .~'11;~~:f!~ ~~J;~~ ~Ii ~ ~'O II ~ ~ ~........,.,.,.,.,. ~,' ~~, II!I~, , . \ -;.-., ~~l, 6n "1";- '. ", "'"'~"""" ."., .."lIt"."" "".' ,.'","'" ' ,,A! ",' .. ., IW ,- 'mf .... a ...., S;; = ~ = ..-:;.,. J:- "]i.i)..'] ...., -I f r tr7~ I'T1 ft;;~ ~:;j CD 21-'. 0:E; I ~~ r:""':- N :<G' fg -u g~ >) :x ~ ca 3 ~ ~ Co;) -< ,~,~~:~~"";:~~<,,, ,;""C',' .""" -""'= """""'-..- _ _ '-':-:, __ ',,' _''^"'' ;" '_"- ___"--:?~"".,iji'~t.t.r(M5'0,,li\.-'?,~_ _c)TIl., y, '"T:,~,~~~IJ~:ffil~~~~tt ~,~,~ BA Mortgage, LLC Successor In Interest By Merger ofNationsbanc Mortgage Corporation VS Ann Hilary Payne and Michael R. Kelly In The Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2001-6850 Civil Term R. Thomas Kline, Sheriff, who being duly sworn according to law, states this writ is returned STAYED pursuant to instructions from Attorney Bonnie Dahl. Sheriff s Costs: Docketing Poundage Advertising Posting Handbills Levy Surcharge Service Law Journal Patriot News Law Library Prothonotary Share of Bills 30.00 4.46 15.00 15.00 15.00 30.00 13.80 73.20 .50 1.00 29.32 $ 227.28 paid by attorney 02/24/04 Sworn and subscribed to before me So Answers: This 4 <(. day of :1....g..'..7 ~~, ';."'<:~~ rl R. Thomas Kline, Sheriff 2004, A.D.'--f'r-<-- () fJ.", jlA.~~, BY ~.~ Prothonotary Real Esta Deputy ),6\J ',~:~m:J""~~,, ' "~ J': ~. n l!JL'I't03;t.> ~.i.t./p'oI7 I"l''' "~~< _'_<0 r'~ ,W,4k. ~ ~~~ SPEAR & HOFFMAN, P.A. BY: BONNIE DAHL, ESQUIRE ATTORNEY I.D. NO. 79294 1020 N. KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF , COpy BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. 6850-CIVIL TERM Ys. ANN HlLARY PAYNE AND MICHAEL R. KELLY DEFENDANTS AFFIDAVIT PURSUANT TO RULE 3129.1 BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION, Plaintiff in the above action, by its attorney, BONNIE DAHL, 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 439 SOUTH YORK STREET MECHANICSBURG, PA 17055: 1. Name and address of Owner(s) or Reputed Owner(s): ANN HILARY PAYNE 439 SOUTH YORK STREET MECHANICSBURG, PA 17055 MICHAEL R. KELLY 439 SOUTH YORK STREET MECHANICSBURG, PA 17055 2. Name and address of Defendant(s) in the judgment: ANN HILARY PAYNE 439 SOUTH YORK STREET MECHANICSBURG, PA 17055 MICHAEL R. KELLY 439 SOUTH YORK STREET 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 5231 PENN A VENUE PITTSBURGH, PA 15224 CITY OF PITTSBURGH 1705 BELLEAU DRIVE PITTSBURGH, PA 15212 :1'i~";'"l!:,,~ ,",,~ -- .. 1 " '1 t"~' ~, ~ ~ .~~'" '~ 4, Name and address of the last recorded holder of every mortgage of record: BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC. MORTGAGE CORPORATION 475 CROSSPOINT PARKWAY P.O. BOX 9000 GETZVILLE, NY 14068-9000 EASTERN MORTGAGE SERVICES, INC. 205 PARK CLUB LANE BUFFALO, NY 1431-9000 NATIONBANC MORTGAGE CORPORATION 205 PARK CLUB LANE BUFFALO, NJ 14231-9000 FULTON BANK ONE PENN SQUARE LANCASTER, PA 17601 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: DOMESTIC RELATIONS P.O. BOX 320 13 N. HANOVER ST. CARLISLE, PA 17013 COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE - LIEN BUREAU OF COMPLIANCE DEPT. 280946 HARRISBURG, PA 17128-0946 ATTENTION: SUE BLOUGH COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX DIVISION DEPT. 280601 HARRISBURG, PA 17128-0601 CUMBERLAND COUNTY TAX CLAIM BUREAU 1 COURTHOUSE SQUARE CARLISLE, PA 17013 CAROLYN MCQUILLEN TAX COLLECTOR 1044 PINE ROAD CARLISLE, PA 17013 ,~';.-"- ~<~ 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) 439 SOUTH YORK STREET 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. SPEAR & HOFFMAN, P.A. ~ , BONNIE DAHL, ESQUIRE Attorney for Plaintiff ,>', :~ SPEAR & HOFFMAN, P .A. BY: BONNIE DAHL, ESQUIRE ATTORNEY I.D. NO. 79294 1020 N. KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF COpy BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO.6850-CIVIL TERM vs. ANN HILARY PAYNE AND MICHAEL R. KELLY DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: MICHAEL R. KELLY 439 SOUTH YORK STREET MECHANICSBURG, PA 17055 Your house (real estate) at: 439 SOUTH YORK STREET MECHANICSBURG, PA 17055 is scheduled to be sold at Sheriff's Sale onMARCH 3, 2004at: CUMBERLAND COUNTY COURTHOUSE 2ND FLOOR, COMMISSIONERS HEARING ROOM 1 COURTHOUSE SQUARE CARLISLE, PA 17013-3387 at 10:00 a.m. to enforce the courtjudgmeut of $143,746.02obtained by BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION against you. NOTICE OF OWNER'S RIGHTS YOU MAYBE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale you must take inunediate action: 1. The sale will be canceled if you pay to BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION 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. ,- "1iiI\ "J,4"",,,,,_~....,,,.'lt ""'" """''''''''~'~'"___''''''W #F~\W~l)Iijc~!l! iilji " .~ ~- T" ,,< ~ ,', .. ~ ". i(''il''^-~' , 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.) 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 thanAPRIL 3,2004. 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 FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT TmS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ,f~, I ALL THAT CERTAIN MESSUAGE OR TRACT OF LAND SITUATE IN THE BOROUGH OF MECHANICSBURG, CUMBERLAND COUNTY, PENNSYLVANIA, BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT; BEGINNING AT A POST CORNER OF YORK AND MARBLE STREETS; THENCE NORTH BY SAID YORK STREET SEVENTY (70) FEET, FOUR (4) INCHES TO LOT OF JACOB ZINN; THENCE EAST BY SAID LOT ONE HUNDRED SIXTY TWO (162) FEET SIX (6) INCHES TO A TWENTY (20) FOOT ALLEY; THENCE SOUTH BY SAID ALLEY FIFTY TWO (52) FEET, SIX INCHES TO MARBLE STREET; THENCE WEST BY SAID MARBLE STREET ONE HUNDRED SIXTY THREE (163) FEET TO THE PLACE OF BEGINNING. HAVING THEREON ERECTED AND NOW BEING A DWELLING HOUSE, 439 S. YORK STREET, WITH NECESSARY OUTBUILDINGS. BEING THE SAME PREMISES WHICH HILARY A. PAYNE, BY DEED DATED APRIL 9,1996 AND RECORDED APRIL 18, 1996 IN THE RECORDER'S OFFICE IN AND FOR CUMBERLAND COUNTY, PENNSYLVANIA IN DEED BOOK VOLUME 137, PAGE 860, GR.ANTED AND CONVEYED UNTO MICHAEL R. KELLY AND ANN HILLARY PAYNE, THE MORTGAGORS HEREIN. PARCEL # 20-24-0785-414 jli,@J;OI;m\l,,;1 . -.... -j- I" ~~~'~'-~ ~ I' SPEAR & HOFFMAN, P.A. BY: BONNIE DAHL, ESQUIRE ATTORNEY I.D. NO. 79294 1020 N. KINGS HIGHWAY, SUITE 210 CHERRY HILL, NEW JERSEY 08034 (856) 755-1560 ATTORNEY FOR PLAINTIFF COpy , BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO.6850-CIVIL TERM vs. ANN HILARY PAYNE AND MICHAEL R. KELLY DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: ANN HILARY PAYNE 439 SOUTH YORK STREET MECHANICSBURG, PA 17055 Your house (real estate) at: 439 SOUTH YORK STREET MECHANICSBURG, PA 17055 is scheduled to be sold at Sheriff's Sale onMARCH 3, 2004 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 $143,746.02 obtained by BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION against you. NOTICE OF OWNER'S RIGHTS YOU MAYBE 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 BA MORTGAGE, LLC SUCCESSOR IN INTEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION 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. "~,li~~~l .."~ - - 'T --I' - -x' I' You may need an attorney to assert your rights. The sooner you contact one, the more chance .you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR.PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (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 thanAPRIL 3,2004 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 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. '!r,-r.-!",,'iWO,~,~~ <, < '."~'''' - , "~ ~'" ;;" I . ALL THAT CERTAIN MESSUAGE OR TRACT OF LAND SITUATE IN THE BOROUGH OF MECHANICSBURG, CUMBERLAND COUNTY, PENNSYLVANIA, BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT: BEGINNING AT A POST CORNER OF YORK AND MARBLE STREETS; THENCE NORTH BY SAID YORK STREET SEVENTY (70) FEET, FOUR (4) INCHES TO LOT OF JACOB ZINN; THENCE EAST BY SAID LOT ONE HUNDRED SIXTY TWO (162) FEET SIX (6) INCHES TO A TWENTY (20) FOOT ALLEY; THENCE SOUTH BY SAID ALLEY FIFTY TWO (52) FEET, SIX INCHES TO MARBLE STREET; THENCE WEST BY SAID MARBLE STREET ONE HUNDRED SIXTY THREE (163) FEET TO THE PLACE OF BEGINNING. ' HAVING THEREON ERECTED AND NOW BEING A DWELLING HOUSE, 439 S. YORK STREET, WITH NECESSARY OUTBUILDINGS. BEING THE SAME PREMISES WHICH HILARY A. PAYNE, BY DEED DATED APRIL 9,1996 AND RECORDED APRIL 18, 1996 IN THE RECORDER'S OFFICE IN AND FOR CUMBERLAND COUNTY, PENNSYLVANIA IN DEED BOOK VOLUME 137, PAGE 860, GRANTED AND CONVEYED UNTO MICHAEL R. KELLY AND ANN HILLARY PAYNE, THE MORTGAGORS HEREIN. PARCEL # 20-24-0785-414 ',n<':i>'4, ;,T' "~' ~~ WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 01-6850 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due BA MORTGAGE LLC SUCCESSOR IN INEREST BY MERGER OF NATIONSBANC MORTGAGE CORPORATION, Plaintiff (s) From ANN HILARY PAYNE AND MICHAEL R. KELLY (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property ofthe 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 $143,746.02 Interest $2,268.43 Arty's Conun % Arty Paid $122.50 Plaintiff Paid Date: DECEMBER 3, 2003 L.L. $.50 Due Prothy $1.00 Other Costs (Seal) CURTIS R. LONG Protho:a ~ -..EY: un ~ e 7iA<.v..f-- Depnty REQUESTING PARTY: Name BONNIE DAHL, ESQIDRE Address: 1020 N. KINGS IDGHWAY, SUITE 210 CHERRY HILL, N.J. 08034 Attorney for: PLAINTIFF Telephone: 856-755-1560 Supreme Court ill No. 79294 ~i%~~; ~_,,=, "R__ .," ~., "--,,., --' I' ',~ .0, _ ^ , , ~_ ~~, "' ~,_,,,,~-..-,",;jn ",^ n - ~-_ ',"'c~,_ "~~~'>"?'___" _,<__"",_>~"j __ ':'''-''-''',_'''' ,__:0;.<,"__' '.W ."< ~ -" ___ ,,_.- "~" " I il Real Estate Sale # 62 On December 05, 2003 the sherifflevied upon the defendant's interest in the real property situated in Mechanicsburg Borough, Cumberland County, P A Known and numbered as 439 South York Street, Mechanicsburg, more fully described on Exhibit "A" filed " Date: December 05, 2003 By:JUdyS~ Real Estate Deputy ~ ~ with this writ and by this reference incorporated herein. v ~ ;;-'i \:' /., '-I . '-' ;"!' I \', J (J fn !!J 111 t ; ,:,~ :; l! .1 ~ 330 ,UN']. ,.1,:'18 .:L:!!tlJH'3 J:':, .:':U :i:1~;l.;W ~'~'~r''''"'' '- 'n-- -' J , '!';;;ii'~~"'!C""'*, . PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16,1929), P. L.1784 STATE OF PENNSYLVANIA : ss. COUNTY OF CUMBERLAND : Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being du1y sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, VlZ: J~PUty 16,23,30,2004 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circu1ation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. SWO TO AND SUBSCRIBED before me this 30 day of JANUPUtY 2004 N SEAl LOIS E. SNYDER, Notary Public Carlisle BOlO, Cumberland County My Commission Expires March 5, 2005 , . ,,~ ,." .,-, ?, - -r r-- ~'t: ~ ',~~ '" j~, ,J ~_"."","",,~Tf1l'_ "" " ~"" , ._-" ,', ,,'. ",',,' 'c.> V. c,,,.,,",'> .'" 11IlI'-, '1IIIInriOO~r I if"'l c'~.!Iiif' , ;L,~~,.~ ~~'~'" ~=~_~~~,\~~?wjHjg~j,rn~fi"'~f"~~'h-"t,:,!'T""'!17'1?,',1~~IlJ:%1ro;:~_~'~-'~"f"'>""1"'P'~.,__ ,"_',,<"1~,~ ;[ ,,-B'.1~'!I':ll!}l.._ "/0 ',I''!'' lliEAL ESTATE SALE NO. 112 Writ No. 2001-6850 Civil BA Mortgage, LLC, successor in interest by merger of Nationsbanc Mortgage Corporation vs. Ann Hilary Payne and Michael R. Kelly Atty.: Bonnie Dahl ALL THAT CERTAIN messuage or tract of land situate in the Bor- ough of Mechanlcsburg. Cumber- land County, Pennsylvania, bound- ed and described as follows. to wit; BEGINNING at a post corner of York and Marble Streets; thence North by said York Street seventy (70) reet. four (4) inches to lot of Jacob Z1nn; thence East by said lot one hundred sixty two (162) feet six ltit mctres to a twerrty f2el foot al- ley: thence South by said alley fifty two (52) reet. six inches to Marble Street; thence West by said Marble Street one hundred sixty three (163) feet to Ihe place of beginning. HAVING THEREON ERECTED and now being a dwelling house, 439 S. York Street, with necessary out- buildings. BEING the same premises which Hilary A Payne. by deed dated April 9. 1996 and recorded April lB. 1996 in the Recorder's Office in and for Cumberland County, Pennsylva- nia in Deed Book Volume 137, Page 860, granted and conveyed unto Michael R. Kelly and Ann Hillary Payne. the mortgagors herein. PARCEL #20-24-0785-414. >''-,-- "._''. r',~__, "" ~,.., ,