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Home My WebLink About01-7135 FX -~ L~ ," '1" 111 >d",-.""..-,'_ '1If1.!l'lw....:, BANKONE, NATIONAL ASSOCIATION, FIKIA 1HE FIRST NATIONAL BANK OF CHICAGO, TRUSTEE Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW vs. MICHAEL E. CHAMBERS AND LYNN K. CHAMBERS NKJA LYNN CHAMBERS Defendants ACTION OF MORTGAGE FORECLOSURE 0I-1IJ.s- G~~ L '-r~ TillS FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTINGTO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after the Complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claim in the Complaint of for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT RAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 717-249-3166 A VISO LE RAN DEMANDADO A USTED EN LA CORTE. SI DESEA DEFENDERSE CONTRA LAS QUEJAS PERESENTADAS, ES ABSOLUTAMENTE NECESSARIO QUE USTED RESPONDA DENTRO DE 20 DIAS DESPUES DE SER SERVIDO CON ESTA DEMANDA Y A VISO. PARA DEFENDERSE ES NECESSARIO QUE USTED, 0 SU ABOGADO, REGISTRE CON LA CORTE EN FORMA ESCRITA, EL PUNTO DE VISTA DE USTED Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA. RECUERDE: SI USTED NO REPONDE A ESTA DEMANDA, SE PUEDE PROSEGUIR CON EL PROCESO SIN SU P ARTICIP ACION. ENTONCES, LA COUTE PUEDE, SIN NOTIFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y REQUERIRA QUE USTED CUMPLA CON TODAS LAS PROVISIONES DE ESTA DEMANDA. POR RAZON DE ESA DECISION, ES POSSIBLE QUE USTED PUEDA PERDER DINERO, PROPIEDAD U OTROS DERECHOS IMPORTANTES. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATEAMENTE. SI NO CONOCE A UN ABOGADO, LLAME AL "LAWYER REFERENCE SERVICE" (SERVICro DE REFERENCIA DE ABOGADOS), (215) 238-6300. CUMBERLAND COUNTY LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 717-249-3166 ..... I~ i "';,.. '~~ "-" ;:';'~'."~ ,,;1 BANKONE, NATIONAL ASSOCIATION, F/KJA THE FIRST NATIONAL BANK OF CHICAGO, TRUSTEE, : IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff vs. CIVIL ACTION LAW ACTION OF MORTGAGE FORECLOSURE MICHAEL E. CHAMBERS AND LYNNK. CHAMBERS NKJALYNN CHAMBERS, Defendants THE FOLLOWING NOTICE IS BEING PROVIDED PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, IS U.S.C. 1601 The undersigned attorney is attempting to collect a debt owed to the Plaintiff, and any information obtained will be used for that purpose. The amount of the debt is stated in this Complaint. Plaintiff is the creditor to whom the debt is owed. Unless the Debtor, within thirty (30) days after your receipt of this notice disputes the validity of the aforesaid debt or any portion thereof owing to the Plaintiff, the undersigned attorney will assume that said debt is valid. If the Debtor notifies the undersigned attorney in writing with the said thirty (30) day period that the aforesaid debt, or any portion thereof, is disputed, the undersigned attorney shall obtain written verification of the said debt from the Plaintiff and mail same to Debtor. Upon written request by Debtor to the undersigned attorney within said thirty (30) day period, the undersigned attorney will provide debtor with the name and address of the original creditor if different from the current creditor. PURCELL, KRUG & HALLER 1719 North Front Street Harrisburg, P A 17102 (717) 234-4178 Attorney I.D.# 15700 Attorney for Plaintiff -..,~ "" ..... 1- " '" ..l "-. -~r.-'.~~ ~~- BANKONE, NATIONAL ASSOCIATION, FIK/A THE FIRST NATIONAL BANK OF CHICAGO, TRUSTEE, : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff CIVIL ACTION - LAW vs. ACTION OF MORTGAGE FORECLOSURE MICHAEL E. CHAMBERS AND LYNN K. CHAMBERS AIKJ A LYNN CHAMBERS, Defendants COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is BANKONE, NATIONAL ASSOCIATION, FIK/A THE FIRST NATIONAL BANK OF CHICAGO, TRUSTEE, a national association acting through its servicing agent HOMECOMINGS FINANCIAL NETWORK, INC., whose address is 9275 SKY PARK. COURT, SUITE 300, SAN DEIGO, CALIFORNIA 92123. 2. Defendant, MICHAEL E. CHAMBERS, is an adult individual whose last !mown address is 223 SOUTH YORK STREET, MECHANICSBURG, PENNSYLVANIA 17055. Defendant, LYNN K. CHAMBERS AIKJ A LYNN CHAMBERS, is an adult individual whose last !mown address is 223 SOUTH YORK STREET, MECHANICSBURG, PENNSYLVANIA 17055. 3. On or about, September 25, 1998, MICHAEL E. CHAMBERS. executed and delivered a Mortgage Note in the sum of$73,000.00 payable to SOURCE ONE MORTGAGE SERVICES CORPORATION, which Note is attached hereto and marked Exhibit "A". 4. Contemporaneously with and at the time of the execution of the aforesaid Mortgage Note, in order to secure payment of the same, Defendants made, executed, and delivered to original Mortgagee, a certain real estate Mortgage which is recorded in the Recorder of Deeds Office of the within County and Commonwealth conveying to original Mortgagee the subject premises. Subsequently the Mortgage was assigned to BANKONE, NATIONAL ASSOCIATION FIK/A THE FIRST NATIONAL BANK OF CHICAGO, TRUSTEE and will be sent for recording. Said Mortgage and Assignment are incorporated herein. rw '~- _"~I '"~ '"" 1-...,,,, ",--- .,-< '~'1l;' 5. The land subject to the Mortgage is: 223 SOUTH YORK STREET, MECHANICSBURG, PENNSYLVANIA 17055 and is more particularly described in Exhibit "B" attached hereto. 6. The said Defendants are the real owners of the property. 7. The Mortgage is in default due to the fact that Mortgagors have failed to pay the installment due on May 01,2001 and all subsequent installments thereon, and the following amounts are due on the Mortgage: UNPAID PRINCIPAL BALANCE $71,781.61 $6,003.25 Interest at $21.83 per day From 04/01/2001 To 01/01/2002 (based on contract rate of 10.9500%) Accumulated Late Charges $387.29 Late Charges $34.47 From 05/01/2001 to 01/01/2002 $275.76 Attorney's Fee at 5% of Principal Balance TOTAL $3,589.08 $82,036.99 **Together with interest at the per diem rate noted above after January 01, 2002 and other charges and costs to date of Sheriff s Sale. The attorney's fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and will be collected in the event of a third party purchaser at Sheriffs Sale. If the Mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged that are actually incurred by Plaintiff. 8. No judgment has been entered upon said Mortgage in any jurisdiction. 9. Notice ofIntention to foreclosure and accelerate the loan balance pursuant to Pennsylvania Act No.6 of 1974 is not required in that the original principal balance exceeds $50,000.00. "~~ ~. I........ ~ '; ""~~'~~ 10. Defendants are not members ofthe Armed Forces ofthe United States of America, nor engaged in any way which would bring them within the Soldiers and Sailors Relief Act of 1940, as amended. 11. Plaintiff has complied with the procedures required by Pennsylvania Act 91 of 1983 (Homeowners' Emergency Mortgage Assistance Payments Program) and Defendants have either failed to meet the time limitations as set forth therein or have been determined by the Pennsylvania Housing Finance Agency not to qualifY for assistance. WHEREFORE, Plaintiff demands judgment in mortgage foreclosure "IN REM" for the aforementioned total amount due together with interest at the rate of 10.9500% 21.83 per diem), together with other charges and costs including escrow advances incidental thereto to the a of Sheriff's Sale and for foreclosure and sale of the property within described. By: PURCEL, UG & HALLER Leon P. Haller, Esquire Attorney for Plaintiff LD. # 15700 1719 N. Front Street Harrisburg, P A 171 02 (717-234-4178) - ,~, ., -~- 10 .- 1- . ~ "<.. ~!ti~ . . BEST COpy 7~N A.J>JUSTABJ .1i: RATE NOTE tuBORlMoIdIl 1Jidlar,(All'D1l1IIIdll1ll 'DIe WIIIlllblOU1llI1'II8I) - Bale .:.pI) . THIS NO'I'ECONl'AIRlIPlUMlIlON8A1.LOW~FORCMANGElIIN MY INTEREST IIATE AND MV MONnlLV PAYMENT. :111I8 .NOt1l UMITS THE AMOUNT MY II'ITERI!lIT RATE CAN CHANGl!ATAlf'foNliTiNlEMDTHeMAXlMUMRATEIMUSTPAV. mTEllllER 28lK. 1888 CA'" HilL - - 223 I YDIIJC Sf IIE1:HNIlCSll1lR&. PA 17IIllN303 ~- PENNSYLVANIA _I IIIIIIU. NO'll! 1. JIOUOWD.'8 ftOJollllR. TO 'AY . .------...---- lIt_fbr.batbolI.....lIlCOM;d.lpamfloklpqU.s.S 73.00U.00 (lh/8 ....,unL I. called 'prlnclpal"), pJ1IsiDllllull. tolllo.....afllloJMlder. .......,,/s SOURCE QlIE 1lIIIIT8AaE IEIIVICES ClIIIPURITIOII. A IlEUVAJlE CIlllPDRITIIlN .. I ancIoIolImIlhat IholAldor..,......... ibis -. 'Jbo Londor or..,.. who...... Ihio "'''''' by _ ond who I. lO1lIitlodtollOli...pe,yIIIIIIIlIUIIIItt_Nobolsaollod.......-...'...... 2. INT&RllST . /nIca:slwiU beaJwaed OIIl11lp11c1p1iA101.... andllllotldl_ or principal """ been paid. I will pay in"-.Ia y.rly_of 8.8IOIlO iI. '1l1DinIaaI_l will pq __pinaccutdallccwilh Socliob4 of tllisNate. 'IIIe__~ loytldsholilllaS,"", Seolian4ortllisNOIllistbo_lwlll pqbolh bolo........_eny doIlmltdcaodLodinSeolia>.7(B)aflhilNaa 3.PAYMEN1'S (A,)'J'lmoandl'la..or...,... IwiIl,.,prilIGIJla\and....llymaldlllpaJlllCllllOYetyI\llllllh. lwiDl1lIlDIIIIl'1IIIlI1lb\Y1Il\7V-~'OIi~_of_l\nlllllhlloJlllnlD&"" IIIlVEll8ER 1 . . 18BB. I will"''' pqmenII ~ IIIllIlIh UlIIl1 I ha.., pIid all or the principal and In_ BIId...y .U.., charpdooalbcdIlcJQWtboII..,......1IIIlIerlhi.NoIc.M,yIllOtlllt1y...,.,.."lawill booppllecllOinlonstboCoropdnclplll. ]f."" IlClO8!R II1.20Z8 .1s1ill...._underthisNoIc,l will poy Ihooc __laillfollCllllhatdolo, 'IIIhioIIlooallod"'''MIdutIty-.- . IwlDmaIaolllll'JlUIIIlIdy~1Ii 27155 FAIIII1N8TDN ROM! FAlIIlIH8TOII HILLS. HI 48334-3314 orot.dil\'enont......iftollulllClbyllleNoleHolder. (B)ADiouatarMJJIdlII1Maa11alr~ l!Icb.afmyhddollllllllll1\Ypq_wOlbeinlbo_tofU.S.S 584.75 . 11I1..",ounlmay chJln&e. . (c)MaaAldf~CIumpo c:hanpe Iftlllll'lIIIIIIlhI7p1lylDol1l wnlmflecl ahqcs In Ihcunpoid prinoipal oflOy ]ClIlItlIICI in lito InlotCSlllllcthal I riIusI PlY. '11IeNolcHold.nlll ddoImina1ll1_lntIlI1Iilt....1llllI \Ilc clIlona<ol- or my IIUlIl1hly payIIlOl1t ill ..............wIlhScotlon4aftldsNoto. 4.INTERIlITltATB AND MON11ILY PAYMENT CIWlGllS (A)ClupData 1Jlo1_....lwillpllflnllcllanacOlllhefillltdayaf DCIUBEII, MlJl.1IS1"Al'IAD.JU8'I'ABUi RAn NI:Jb..UllDRCMDNnfINDSC_ PUIII.8HIiD 1N1HI WALL8TIIII!'I' JOUIWAt..).. IlntIIoFolril'-___ ClII;o3' -- _3no_ .......~....(IODlQ1-7111 f\I'f'\ ~ .....10.. ;;,.!I "'It:~ r". . lllDD , and on NZllD 81241104 EXHIBiT II fj II .~~ ~ ~ . .- -".J, .......""1.., ". .. ~ . . BEST COpy lMt....y~ SIlTH IIUlIdhtllllutl&l!IIoh&llllllwhiclulIllnrotoot_couIdoboftaclscolled. "CIwlpDal.." (B)'l'IaeIllda. . oeet.{ . . BoaiIllliftB witlltbe ftllt CbIDp IlaIe,.. ~- will bo _ "" ...lDdox. tho "Ind.," i. lb......... or ..........,,all'ital_ far IIIIIIIIlh U;S;.<IoW' ., .~-~ """'"'" 111 tbe .............-("LJBOR"),.. plhliahc4 it! 1M WlllSI1OIJiltlttllll.1111"1l1lill-'~liPaYIi/aJ1Ie ..Gftbeftlll_day oftbe.monIh illlll\Ollialcly ..._: "''lIlbellllllllhln..ldchlllll~pjilcllOlCt!iiiiaallidlllll''Olmlllll1deo.' It IIu> Indo< Is no ~ llYIIiIi!U, tbe Noll JIohIor will ~ a new indeor. lMt. la based ihfotmo&ioh, 11leNcMRaldetwlDplUllOli<iaclflhlaellalee. (C)c.Jm..........rCllalllel . IIoI'alecuhClump"Dllc,IboNolIBIl1datwID.........Ill'......IIltaat_byaddinJ FIVE & UIIOIl1KS . ,...M.......~( Index. n- N"'" HaIclIll: wiD ...... mm!d IIIIl aauIll1l tJilii.iuIdiIIoIllo.......... (0.1251&). ~oatto....lilllllil.....In.Seed...4(P)boIow, tlllslllllllllod_ will bo CIanJoDelc. 1hoNallJBoIdorwlllll\lll . . ~1be_l1ltbellllllllhbJ!&l'lMlllllllllWOQ\dbosuftlclall.lOlI(lOlYthoIlllJlllid pdnoIpoIlh.tl_~Io~....c:luI!Pl)oIolafldlIIlUllllMoludlyJ:I."'811lll1lOW I1IIOnllt _ insuholontially oqooI ~'1bensultoltblllcolcalolloowillllOlho__afllll~yJlll'lMllL O)jLlmll8<lll...-JlaIeClalapo 'Illa1__llIIlmqodl'od.!Dpor.UIo>&atChongllDdowiJllllltllO....._ 11.115000 " or ...._ '.ll5Ooo lI.n-Ilot,IIIiYI"'''llIIuot.wiJI_heinclCllSllClordcrr Ion ~1iDaIa~lloIoby_than lIIIE ............pollll(o)( 1.1lOOOO ,.)r-tI1o_I1l~Ia-heonl"7i...fortboprecedin. Slk mmths.M7~_wiD_..........1!IIIt . IU5QQQ ,,~ .Nor...._ ..8IIOOlI 11. . (E)BIllIcIIvell!llliafCfllaloe Mr- istIolad_ wiJl1*DIluIeBoatIYoGII.... ~Dore.l...lI pay lbGamaantl1lll\Ynew lIIDIIlhIypoy....g besIMiIII'" theW 1IlIlIIIIII1~"....\Iot tho a.u.ae bo/lllllllill1i6_11l11\Y UlCIIIhIy JlaYInO"\ c\wnaes oplIl. . (F)NalIce~ . 'ThoNa1lO1fllIderwillcloDverCIIlllllllto1lleaJlllllecl1lllO'chobaca Inlll)'lfttcICIt_and Ihelllll""'l\oflll)'man\IIly ~bol\lal tbeo\tOotM.....clfq....... T1a\lllllaawiJl.Iao\uda~"""lIq.ited by law to be at.... ftUllllld oIsolho~""""I1l.~.wiII_...,ljlIIIIII...I__"""""""nodco. 5. BOltJI.OWBIl.'8 Jll[GIl't TO BEPAY . .. lba'Ioll,,"11111t"'...~tiI'\lIIIloltIIlI.bllJ\iuIlolbtA__dao.A~lIl'principolClb!yi.1mown.. a ~WIIeIlIIIlAb.llll',...Dll,.WUU.n1hoNalltBal4lrIllWliIiDaI".tIlIlIdoIn.so. IlIII\YlIlAbafldl~'l""-'~podIoI="!;~"witl1ol!l~lIII,\',.,...moJmae.TheNoiDIIoldetWi\l _oIlcr1l11fpl).P...'.~!D.iodIloo... *... lIillOIIlll.c. .... ... .~... .. .. !IIot. .....c..1OWD. """",,tN.NciI.o.. lfI..... a(llldlol.. _lIIOIIl,lholc will bl>DI>......In.UIe:......doIralll'lIl)'.~l>4lD1li1s.....1hoNQ\CliclldtrllpOsll\w1IliIIa tclhoaodlallps. My pIlIioI ~.IIIII)' ........llaIllIIlIIIIIlof IIiy IIIIIIIIh\YpIIYlDtIIIls aIler.... nlll ChOrJao DoIa following my portia! P.ymeur._....,tedI1CIiaA.....fo!IIYpoItIaI ~~ r~ IDCIlillllll'licoJTaetbyllli__ln....... ..".",........ """""PIINIIL " LOAMCIWlGllS If. law. whkhapplltato1llll1aolllllllwllloh_ mui_laoIl......... isfinolly\nlcr;ptalcd.. thoI tbo~ar lllher 1_........ oaIloctcd or !D. bo colIoolIdlll CoIIIIocjlan will1th1s ..... ....-1.... poomilIocIlimils, lhon:. (i) any llUCh Ioonclwp8blil1Ililtcdlicodby1hollllUll!lll~loledllCll....cIIIItIolo Ihopczmillod limI~.... OI)1Il)' IUIIIS a!~y oaIltc1ed I\oIn 1IUl.vhlclt ~plIIIllIlIIdUIlli" will bo teCuIIdIld 10 IDC. Tho Noll Holder may chacoc Ip """'" lbl. """'dbylOlllmlngUle:ptlllcIpaIl_1IIldirtlllsNotoOl by1tmkina.dhcct pIl'IlICIlIlome.lh _ _ princip"l. tlwtodacClanwlll""...-aapulilll'Nl"'1lDOl1l. . G\III ....,.. . J ~ ,.,.21014 -( ~. ~~~ - ~~ ~~-<~1g, - . . BEST COpy 7. BOIlltOWBIl'S PAD.1lIIB TO PAY ItS lIBQ1lIlU!D (A)IAIeCllllpl......~1I 1flkNatDBllIIIarhaslllll...milhl.llll_orll\YlIIIlIIlbly""..-loJIha<llliof Fln~~M (\51 . adllU!lr.lftottbedWIlI......lwI1IJIlIY...cbatJclothc_HaIdcr. 'Iho_oflhc charpwill be '.GOIIoo "orllljl_paymentofpdncipalllllll~. r wil1l"'Y tlrialotcc1lllllc JIftIlDlIIJybatanly~Oft__JIlIYlIlllIII. (ll)DeIlIIIIt IfldoIlOtJlllYIha&dl_ar_IIIlIIIIhIl',..,...,u...dIIo"""'iliaduo,l wI1lbeinclcfaul~ (C)NaIIoearlhdllult lfl_b","'ludt, __JrabIorIllll)'IIIllI_. wdtlaDlIllIlcolllllq....thatifl dollD1paylhe......... _by. __IIIoN""'~IIIII)'............lopay;""".,n'!lel1~I\d1_arlUialDl"II that....lIlJtboenpaldandall 1he 1.......IbatI.........1bat1lllllllllL 'IIIat...._bool leIst306ayaoftllo: 1I\a_,j" whIch 1he1lD1ice i. cIt:IIverscl or lllllilcdlo_ (D)No W...BrIlllllle.....,.. S-II, al. tiMwllcn IlIIliado&adt, lhoNcllDlIoIdorclocallD1l1q11i11lmslo JlO7 illlllleCllately in fun u d...,;bscI aIIow,1heN.....m.ldsrwiUalillhavoIhoIilldIDdoIOHIllIlindoliullal.,_d_ (E)~afN..bder'.CeIII_....... Jfd1eNatoHalderhlls...........lDlllIIl'-teIylalUllll\l~above.duoNaleHaldc:rwi\lluwclbcrisht\o be pJd baakby_1br all atils_andCDl\lSlllllil in.......... dIlaNols 10 a.._1Illl ptO/ln.m.d byapplioablc J.... Thoso..._lnoIlidc;for............-..IlI..-.sya.t'ocL L GIVING 01' NO'l'ICBS t1Jd..applIaallIa/aw.........dlfl'enntIllSlhDd,II\Y~l!IdlllllllbeF-IoIll1lIl/ldOtIhis_wlllbssiveaby cIelivomIsllor1l)'IIUII1laail.r.,.liIIt_1lIIIiI101lUl1ll1bo1'\apcllJ AddIeaaIllcM:OlIlt.dllretlll\l.addD:osifI g1vclhcNotc IJoIcIsr.llOlI...arllljldilfClait....... . Vnl_I11Il_BaIdor...........cli~ ...........,....that_bsai_Io....NotcHo1dsfander1llisNolll w1nbopm r.,.lI1IIiIlIJ;ltbylhilt...l\IIIlIlo....NoIaHaldotallha""""""'IlalId...SeoIiIlll3(A)obovc"'.udlfl'ClI:Il\ 8lIdnaisifl......._.llllIicsafliuddif&ftat...... ,. OIlLIGATIONS 01' 1'J!:IISONB 1lNDBIl 'Il1IJII NOTE . 1f_....._JlllIIllII.....dIlsN..~pclIIaftiatalJy_,......,.nyoWiplodlobop.., oftbc~mado mthisN"ilIc1utIiD8. .IhoDlallllll. ",!.(!IJ.lIIIIlIiiIlfldI!._.. owod.. AnypsalllftwhD. . Is'. gDIIDIdDr,_yor.........orIhJ3 1'1"'" Is..... aIIUpted 10 lID "-llIIiIp.ADy Jl"III!D wbDlabs.......... abIJ......1ncIodiIIg Ihc oldIpdans or. &-l-.lCt,lIUlOIrDl__ar,*~Io_~"'...alloriMpIIlIIli1ioa1llldoInthlsl'l_ "IhaNoIcHoldcr mayClllola IlId~lIIIIlcrlhllNoIa....._........~.lcldaUyarOfllllllllallar..foplhar. Thlam....tha181ly OIIe ar..lIIqbeNlJlli1sdIDMlII1ofl1p1__oWiil....lhIrNals. 10. WAJVBBS J 8IUl iII1Y olIler polSOft wiDhas obIIpIIaaander thlsNotc waive iMlilbllor JllIIlISIIIlIIC andnolicc of dUhonor. .~_lhadahtlO......tboNoIaBa!dor"'dcaudulpaYD*lat_duc. .Noticaotdishonor"mc:ans lhe"ptIDDqIIi...iMNoleHolderlD~lIllIIcolDotborJlOlSCllStl>aI_dliabavellDlb:cn pold. lL llMD'OBM SBC!lJlBD NOTE 'J1IisNolsfsallldt'_...._wllhlllDllSclwrilli_lnllClllUljllllsdlctlons. 1ft oddiliOll 10 !he pmmcli.... given 10 lheNolsHoldor.......lhlINc.lo!..i'1DI....l:!!JlodoiTtall or SceuliIy Doe&\ (Iba .SccurilyJns\lUlnsnl.,. dated IheSlllllC dale8SdlisNolll,~tlIcNaraJJaldotfiDllllXll&lblo.......lIuIlmlJhl_llf1doftOlboplh1lp1Ollli...tha1ll1U1lo>ln this Nolc. 'Ibal SOCIIIIly ms.-t dcIm..lmw IIIId IlIldet what IllllIIIidanaI may be '"'I"i..s 10 mab immeoliAle ~infallofall_l_lIIIdorthlsNoto._oftlxuClCllll!lllOllS...lCl..<nlbc4..rDllows: ' GII;aoa .~ ,,' ~4 ,..:II1f4 , "~~,._~~ ~: ~ d)""'''- ~:IliILJ,~.: ~ -" _~~.,J. .- ~ J.. . . S.EST COpy T1i "-r1lft1lel'n.peniJllI'a...,,-'1eIoI1aIonIt1ll"" .__..Uall arlllJl'J"'Ilaflllct'lapeftyor IIIJI' '-In k '..old or _' .ICI (or Ifa ~ IoCaaI in lloll....."...1d or lJanIfemd oad Bonowcr,"noIallllollll~w/dIoolLeildor"pdorwrillalllOllSOlll,LenclcrIllllY.81llsopd....1aIUl1C I, ~l~. IIltbllOfallllllllll. ....odllydilss-dly. rwt......LB........lbIsopliansholl..t be by~or/f __laplO1ll1llllldbyflolcallft II ofthodaleOfIhis I_Ii' lnoltumenL Lender_ shoII-.........tIda......if: 00-...........10 be_1O Lca1dcrllllllnnOlicll\ l'ClIIJincIlIyLenclcrlD__thoDiioildecl..."""-..lf&MW..... _beIq ....lDtMt....r_; aod(b)LondcrI' ~n"" S IUIlIlII.IhatLcbdct..-mtywlllnolbeill1plitalllytho.....1IllIIIIIrption aod IhIt tho lIsItaf a "'-h af.. _ or.... ...#ltln lbIs lIIlilIuIly l/lslIDInOnlls 8l:OOjll8bIelo 1.eDcIer. To tho CIIlIDI ponaIlItIII by IppIIcohIo Iaw.lendot ,.., ebIrp & lOlIIOIIIbIe fee .. & ....rot;'" 10 I.eDcler'sGClllilOlll.llrU.Io8a""'-""l"itwl, Lenclcrtlso"_l" Ibo ~"'a\at181\ .....m~ ..-.n. llhll is aINe.1o Lenclcr. .1IlId.. . dial. 9ItIlPfca.. tho _r- IIJ..... all tho pmmI_ and ..-.n18l1l8dolntho . 8lIdlllth!lllilleUl/lt~""__wIUOllIIlinueID""ClbIIJ1llOdunder IbeNOlo8lld1blas-u,_. .,iI........~"'-lloItowetillwriliD&. KI.AwidII utrxtll..._optiaa:,tD~!~ _ '_1Pta~in., LcbcIIrtha11 am "BOUOWR IlIlIleeOf......OlIIIIaD. n.1iadaelll!al\poaVIdaaperlOdafllillleoslban30doyaflomlhodato 1ho1lOl1ce1. cIeli.-I.. maIlecl wIlIlIll wiIIclIllwIto~.._ pII7 aIIl1111111 aeclIl8d by thIo Secwllylllllm....L U -.....raIlolDJ"l)' -_pdlll'ld",lllqilIllllOliofll1loporiecl,lendotlllll1 ill.....lIlI)'-.dies pennlllOdbylbls~]_wIIhoulflultiernoll..ordolbuaxlCIIIIlammlcr. ----- Ii ~JIIj (SMI) - _(StII) -- (Boal) .-. . PAVlDM_ClF M1tlO1J1" RECOURIE Srm1'ce One Mn~.""'. Services Corpond\llIl ~.K._. ... --- , ". ~-iW. ......... F.,... 31120 8184 '~b - - "', ,~- ,..;, -""wi,,! _~,_....J ,- - - . . .' a.EST COpy First American 7Ytle Insurance ~mptmy CommIImeat No. 703S78 SCHEDULE C ALL'llII.T _ lot or \I!OCo of -' ol.t,.te.!o~ ~L _1aoC CoIII"7. ......,l..nlo. _.. 11II6 d,_ "'. ' 0 ..., ..... -... 1.8. 1972 ~ !/orrit J. ..... ...1Ii..... So....,... n Mlo... to vitt BECJNJO:IIC: at-" 8 ,DInt.. the IIl1c.rq rJllllt"W-MQlIne .f Saudi fork Stl'ftt (110 fOllt llitIo) .. . p.t. lidos tho 1Ior....... _ .f Lot. 110. 20 end hi.. _ed a..-tdl.7 01... tIHlllutor17 ~7 n.. of aUd _ t.... Sone.. \llI.llU ,... t... ... _tor Uno of _ loll... Strati thoncc .......1na E.... 801d IIIIIIIIIlIDIll Jai.. 01... 811' Sooth _ Stree.. IIort:b 20 ...... 60. c1nutb _ 31.0 fOOl: to . .nu bol.. . COMll' of I..... ... or 10.. .f Ro. .. 1Ccrst; t1t_ .......1na o1oaa 1oaio.f ru.. IIortll69........ _tu ..... 165:0 root to. 1mb ... tho 1Ioloml;t oiolo of . 20 root _ Ill." -.. .10l1. aU 811., Sauth 20 ........ '40 1lIla~ lu:t. 32.0 ,..~ to . hub; tflence ..c.ad:lna .1... 10....... or 10.. of Aaor. .......... ... Clarl L. llJao" _ 69 doal:h8 20 oi..... _ 165.0 foot to tit. .for_.I.... pol.. ond pl... .r BI!llIIIIIlNC. WIIC Ito... oM ...1...... .. II.... Ro. U3 Sooth fork S.rOlll;. . ., " '.. j- ....:.i) l - lIB. Jt tKH!D -I \ , .... ,'''' .~-~_.~-~ ~ ~ <~ '"' .......,. :ilI_~~'k_' . " ;,-IIiiIIil!Ll~ - n""'u '~...-<"'--.~~''';, VERIFICATION I, Leon P. Haller, Esquire, hereby swear and affirm that the facts contained in the foregoing COMPLAINT for the Mortgage Foreclosure are. true and correct to the best of my knowledge, information, and belief based upon information provided by BANKONE, NATIONAL ASSOCIATION, F/K/A THE FIRST NATIONAL BANK OF CHICAGO, TRUSTEE. Said facts contained herein are made subject to the penalties of 18 Pa.C.S. Section4904 relating to unsworn falsification to authorities. Date: December 19,2001 Leon P. Haller, Esquire ,~ "~Co,,," ,~ .,-,,,}<,{j'..!;;;,J1I~":J.i~- - , _5'itml!!lMl~l;~ ~!<..:tiL'''''llJl!",~~mi~ "S ~ q ~ p ~ .tq. 0 ,::P Q ~~zt L)~"'" 0-, CD CI i5 ~rn 1"'1 --< ..... &. . "- :Xi (J- r-;) :::J 1-.> Zr N ~ (J)~ ,. Ov girt -<'" <::> '"(') :<1 8 () kG :..:;0 N ~i\Y C)l !: 0 ~o C) ~L! ~T~ ~ (J' -6 3: (.... -., ~~ Pc ~ :-;;0 ~ cifl1 N oc-' J~ P' .-1 ~ ,.. ....." >'''~'.~~=. ~~h_ '~"T,,,,_~~w"~."""~ ~ ,~ ''''~ --, "'~"' ~ ". _'",,~.,,'1 ..",,_-, ,C-;~,",,~ "w .c, ".=_"-,~_""__^,,, -f_'.",",""'__ '""~___ _'''~' ","'''''~', " ",,,~V"'~" ffO""-"",, "A , ~"".~"_ ~~"'" '"""~ ~ ,,""'.=' < ~~ ~ .L ; """"","",,'.1 ~-- ~C-""'l,'~",,,__ SHERIFF'S RETURN - REGULAR CASE NO: 2001-07135 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND BANKONE NATIONAL ASSOCIATION VS CHAMBERS MICHAEL E ET AL KENNETH GOSSERT , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon CHAMBERS LYNN K the DEFENDANT , at 1905:00 HOURS, on the 3rd day of January ,2002 at 124 W. PORTLAND STREET MECHANICSBURG, PA 17055 by handing to LYNN CHAMBERS 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 6.00 5.85 .00 10.00 .00 21.85 So Answers: r-~~ R. Thomas Kline 01/04/2002 PURCELL KRUG HALLER Sworn and Subscribed to before By: me this '6~ day of ~ J-u.v~ A.D. Chp~~t~on~~:~' < A 1"'1' _.J Co, ' ~ ~ "- ~J SHERIFF'S RETURN - REGULAR ~ASE NO: 2001-07135 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND BANKONE NATIONAL ASSOCIATION VS CHAMBERS MICHAEL E ET AL DOUGLAS DONS EN , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon CHAMBERS MICHAEL E the DEFENDANT at 1800:00 HOURS, on the 27th day of December, 2001 at 223 SOUTH YORK STREET MECHANICSBURG, PA 17055 by handing to MICHAEL E CHAMBERS a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 5.85 .00 10.00 .00 33.85 So Answers: r~~ R. Thomas Kline Sworn and Subscribed to before 01/04/2002 PURCELL KRUG HALLER BY:OL O~ Deputy Sheriff me this r~ day of ~ d-tnJ.L " A.D. ~a.lVLJj'J ${ othonotary . . " .......,,~l "0 ~ ' 0' I... - ~ ~" -> ~~-";"h~t, '" BANKONE, NATIONAL ASSOCIATION, F/K1A THE FIRST NATIONAL BANK OF CmCAGO, TRUSTEE Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYL VANIA MICHAEL E. CHAMBERS AND LYNN K. CHAMBERS AJK/A LYNN CHAMBERS 0I-'7/6S l"J-qvI!-fCTION - LAW I.,;.lu~l ~ ACTION OF MORTGAGE FORECLOSURE C) c' ;; ~~; ""TJ~ C) H-' . Defendants . Ep ftJ ~ f-;'1 jJ] TillS FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTINGTo.IEa 216 A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FR YO~ ..,' or, WILL BE USED FOR THE PURPOSE OF COLLECTING THE DE .g ~ ~~ . NOTICE ~ ~ ~ You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after the Complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claim in the Complaint of for any other claim or rehef requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE TIllS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT RAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTII BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. VS. CUMBERLAND COUNTY LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 717-249-3166 AVISO LE RAN DEMANDADO A USTED EN LA CORTE. SI DESEA DEFENDERSE CONTRA LAS QUEJAS PERESENTADAS, ES ABSOLUTAMENTE NECESSARIO QUE USTED RESPONDA DENTRO DE 20 DIAS DESPUES DE SER SERVIDO CON ESTA DEMANDA Y A VISO. PARA DEFENDERSE ES NECESSARIO QUE USTED, 0 SU ABOGADO, REGISTRE CON LA CORTE EN FORMA ESCRITA, EL PUNTO DE VISTA DE USTED Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA. RECUERDE: SI USTED NO REPONDE A ESTA DEMANDA, SE PUEDE PROSEGUIR CON EL PROCESO SIN SU P ARTICIP ACION. ENTONCES, LA COUTE PUEDE, SIN NOTIFICARlO, DECIDIR A FAVOR DEL DEMANDANTE Y REQUERIRA QUE USTED CUMPLA CON TODAS LAS PROVISIONES DE ESTA DEMANDA. POR RAZON DE ESA DECISION, ES POSSIBLE QUE USTED PUEDA PERDER DINERO, PROPIEDAD U OTROS DERECHOS IMPORTANTES. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATEAMENTE. SI NO CONOCE A UN ABOGADO, LLAME AL "LAWYER REFERENCE SERVICE" (SERVICIO DE REFERENCIA DE ABOGADOS), (215) 238-6300. CUMBERLAND COUNTY LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE,PA 17013 · 717-249-3166 TRUE COPY FROM A&OOAD lR Tll~ wMnllJl. Ilwe~.mv Itaoo il. nd the see! of 98ld ~.. It Cat1III8. 1'8. ,----Tlria g;~~ .. .~J~ . Prethonolllly ,x -" - _I.~~~ ~ , 1,- ", --;- 1. .~ l. - < L,_ "M[~,,,,_ ~ BANKONE, NATIONAL ASSOCIATION, F/KJA THE FIRST NATIONAL BANK OF CHICAGO, TRUSTEE, : IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff vs. CIVIL ACTION LAW ACTION OF MORTGAGE FORECLOSURE MICHAEL E. CHAMBERS AND LYNN K. CHAMBERS AfKJ A LYNN CHAMBERS, Defendants THE FOLLOWING NOTICE IS BEING PROVIDED PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.c. 1601 The undersigned attorney is attempting to collect a debt owed to the Plaintiff, and any information obtained will be used for that purpose. The amount of the debt is stated in this Complaint. Plaintiff is the creditor to whom the debt is owed. Unless the Debtor, within thirty (30) days after your receipt of this notice disputes the validity of the aforesaid debt or any portion thereof owing to the Plaintiff, the undersigned attorney will assume that said debt is valid. If the Debtor notifies the undersigned attorney in writing with the said thirty (30) day period that the aforesaid debt, or any portion thereof, is disputed, the undersigned attorney shall obtain written verification of the said debt from the Plaintiff and mail same to Debtor. Upon written request by Debtor to the undersigned attorney within said thirty (30) day period, the undersigned attorney will provide debtor with the name and address of the original creditor if different from the current creditor. PURCELL, KRUG & HALLER 1719 North Front Street Harrisburg, P A 171 02 (717) 234-4178 Attorney l.D.# 15700 Attorney for Plaintiff J ./ 0/ ........~J '" <- , I, , -,-"", - ~~ .' .",,;,., BANKONE, NATIONAL ASSOCIATION, F/KIA THE FIRST NATIONAL BANK OF CHICAGO, TRUSTEE, Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYL VANIA CIVIL ACTION - LAW vs. ACTION OF MORTGAGE FORECLOSURE MICHAEL E. CHAMBERS AND LYNNK.CHAMBERSAn0ALYNN CHAMBERS, Defendants COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is BANKONE, NATIONAL ASSOCIATION, F/KIA THE FIRST NATIONAL BANK OF CmCAGO, TRUSTEE, a national association acting through its servicing agent HOMECOMINGS FINANCIAL NETWORK, INC., whose address is 9275 SKY PARK COURT, SUITE 300, SAN DEIGO, CALIFORNIA 92123. 2. Defendant, MICHAEL E. CHAMBERS, is an adult individual whose last known address is 223 SOUTH YORK STREET, MECHANICSBURG, PENNSYLVANIA 17055. Defendant, LYNN K. CHAMBERS An0 A LYNN CHAMBERS, is an adult individual whose last known address is 223 SOUTH YORK STREET, MECHANICSBURG, PENNSYLVANIA 17055. 3. On or about, September 25, 1998, MICHAEL E. CHAMBERS executed and delivered a Mortgage Note in the sum of $73,000.00 payable to SOURCE ONE MORTGAGE SERVICES CORPORATION, which Note is attached hereto and marked Exhibit "A". 4. Contemporaneously with and at the time of the execution of the aforesaid Mortgage Note, in order to secure payment of the same, Defendants made, executed, and delivered to original Mortgagee, a certain real estate Mortgage which is recorded in the Recorder of Deeds Office of the within County and Commonwealth conveying..to original Mortgagee the subject premises. Subsequently the Mortgage was assigned to BANKONE, NATIONAL ASSOCIATION F/KIA THEoFIRST NATIONAL BANK OF CHICAGO, TRUSTEE and will be sent for recording. Said Mortgage and Assignment are incorporated herein. ." / ." (" , "~ ~~-" "~~~ -'--------..........J ..1_ ~. 1- ~. ~. . :'- ""',,,,;.,""'",. 5. The land subject to the Mortgage is: 223 SOUTH YORK STREET, MECHANlCSBURG, PENNSYLVANIA 17055 and is more particularly described in Exhibit "B" attached hereto. 6. The said Defendants are the real owners of the property. 7. The Mortgage is in default due to the fact that Mortgagors have failed to pay the installment due on May 01,2001 and all subsequent installments thereon, and the following amounts are due on the Mortgage: UNPAID PRINCIPAL BALANCE $71,781.61 Interest at $21.83 per day From 04/01/2001 To 01/01/2002 (based on contract rate of 10.9500%) $6,003.25 Accumulated Late Charges $387.29 Late Charges $34.47 From 05/01/2001 to 01/01/2002 $275.76 Attorney's Fee at 5% of Principal Balance TOTAL $3,589.08 $82,036.99 **Together with interest at the per diem rate noted above after January 01, 2002 and other charges and costs to date of Sheriff s Sale. The attorney's fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and will be collected in the event of a third party purchaser at Sheriffs Sale. Ifthe Mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged that are actually incurred by Plaintiff. 8. No judgment has been ente!}ld upon said Mortgage in any jurisdiction. , 9. Notice ofIntention to foreclosure and accelerate the loan balance pursuant to Pennsylvania Act No.6 of 1974 is not required in that the original principal balance exceeds $50,000.00. /. ~/ .'"' ~ , . " 'J , .. .1 ,- ".", ,. " ~ """i ,~;': 10. Defendants are not members of the Armed Forces of the United States of America, nor engaged in any way which would bring them within the Soldiers and Sailors Relief Act of 1940, as amended. 11. Plaintiff has complied with the procedures required by Pennsylvania Act 91 of 1.983 (Homeowners' Emergency Mortgage Assistance Payments Program) and Defendants have either failed to meet the time. limitations as set forth therein or have been determined by the Pennsylvania Housing Finance Agency not to qualify for assistance. WHEREFORE, Plaintiff demands judgment in mortgage foreclosure "IN REM" for the aforementioned total amount due together with interest at the rate of 10.9500% 21.83 per diem), together with other charges and costs including escrow advances incidental thereto to the a of Sheriff s Sale and for foreclosure and sale of the property within described. By: PURCEL, UG & HALLER Leon P. Haller, Esquire Attorney for Plaintiff !.D. # 15700 1719 N. Front Street Harrisburg, P A 171 02 (717-234-4178) -' / ~ ~ . J ._L .---..... -~ <.'M....~""""'~,i:!, . . BeST COpy 70D9ll~2-J .AD.JUSTABJ.E RATE NOTE (L1JlOIllMollUl1lil\l!a(AalPllllllllddlll'l'lle WIIIIStnolllllRlllll) -B.aleCaps) . THIS NO'l'ECONTA!N8,1mOVllllClNllALLOWING FOR CHANGES IN M'iINTERESTRAte AND M'iMONnlLV PAYMENT.1tII8 NOm uMml. 'IME AMOUIIIT MY lNTEllEST RATE CAN CHANBEATANlfONE'tIMEANDTHEMAXIMUMRATEI MUSTI'AV. SEPTElIIIEII 25TH. 1888 Cllll' HILL _ ICllI'l 223 8 YOIlK IT HB:H/oIIICSlIIIM. PA 171lllW303 ~A""'""J PENNSYlVANIA .- I__ NO,!,!! L llODOWD.'SPRO- TO PAY . -.---...-.-- lD_tllr.bathlllIbmiftlClllvcd,l.........lopqU.s.S 73.000.00 (IIdlI _ Is <ailed "pdIlcIpoI"),plas~ Iolho(llldotaftheJAldcr. '1W.ondIrtls SllUIICE lIIfE HlJR18ADJ! 8fAYlCES CllllPIIR.ITlDN. A DEUIIAIIE CllIlPIIR.ITlIIN . ] undomtlInd thoIlho~ _ ........ ihla NclIe. no 1AIder or...,- who......1hilo N"'" b)' _ one! who I; OIIIltledlo~permoaIallllllllrlbla!l'olaluolloddte.......,........ 2. JNT&IlBST . In.-wiII beabatpcl OIIll11pOic1p1i11c\p1\ IIftllIlhotlJl\ _ of pm..;poI Iuosbeen paid. 1 will pay in_.. ,...)'_of 8.B8ODO .. 'Duo~_lwiUpaym'9'obon.IoinllCOl:llllanccwilhseoliun4or . IhlSNo\e. '1he iDlaal:_~ by thls........:a""" SeoIlan4 ofthlsN0\6 ia tho _I wID pay both bcfotvond_1IIl)' dcllmk . WmSeo\iol!.'(B)oftblsNole. 3.l'AYMENTS (A,)TImo__ofp.,- l,.;npqpdldpolaod.iIIIIlIootbytuldaaver-lMllY_ l..m....mz__,.,..-lIftlhotlllllclal'oI'lIIIIIIulUllIlhboalllnlnBon HOVEIIIER I . . UIS. J will iiIIb-lhosopaJmlftls ~ JIIllIlIh UldI1I haw \IIIId oil of 1M priDoipaIlIIId 1_ ond IIIl)' odtot cluqasdescdllodbolllWtholtl...,....uadertbl.NaIe...,~~wiII...oppIlcdlOu.-bcCuroprin.ipel. If.an OCTOBER 1ST. 2028 . .lolIn owe __lhiI Noto, I ";11 pay Ihooo ..._roinfilllObIhal_ wlliehlsaal1ool..."MoImI1;yDale." . l..wmolal~IIIlIIIIIIdy(lll1lDllllll11 2lIl!lI FllllU1IB1QlI1\OAlI . FARIIINBTDH HILLS. HI 48334-3314 orot.dilfemM.....If._byfhaNOblHOlder. (B)Aaio1iBoI'MrIll/llIllMclldlal.1~ Eachofmylnldal-w,ypqlll1lllawillbomlbOlIllOlllllol'U.s.$ SU.75. 1bIs_1Ilaf dtaIIg<. . (C)MaatJdf....tClndl8oo Owlps btmyllllllllhl7 pI,JtDOlIl..m mIIect abansasin Ihcunpaid pdnaipol oflDYloen IIIId in Iba 1_ talO l!ull' nillSl pay. 11& N* Holillir wlIl-;""~ ~....lIIIIi 1M chqcd _ ofmy maalhIy pa)'lII<lIlln -...danco wIlhSa:llon4ofthlsNoto. 4. JNTEIIIlSTU1B AlQ) MONTSLYPAYMENT CIlANGSS (A)CbupIlllla 1lIo1__lwillP"rblll)'c:llaIlFClIlIbaI\lstd'9'of OCTOBER. _......__1lA11lNCllE.IIMR.__ros_..11II!WALL_J_. Cln\lIO"""'Y.---. GliU. ~.. _3120 11IM y'/'-. MQIftIAllIfaIIMI .....WJlI Mf',J ....,... /.)1 .....~ ../ . 2DOO . BHI 011 HZILD BI1411M C:VIUUlTllijtl -,= .~ .-J 'I -~ -- .. - , ~. . . BEST COPY tholOoYIMl!7 SIXTH IIUllIIhd1oteoller. J!oah.........wbichlllTlnb:tooItIleqUd........l..oIJed. "OwJ&cDole." (B)'DIe........ . Oe e L{ '. 1lcBl....... wi/IIlho IIlIl a...,. IlaIe, lIlT ~ '"'" will bo bMocl 011'" fDdex. Tho "Index" i. lb. _ or inIabIhka1fea:4 _fclrllIllDlllhU,s. ~"""In IhoLondon.IIIIIIoot("LlBOR"). ..pnbliohcdin .",. w.JI SWefJoumll.1ha_.............fiaoRo lIVIIIIIll6..oflhefillllluBineoa a., oI'lho.month m-lialdy I""" e slb_lnwlDehlboCbolJaeDalc.....iIIco1Jcil1IID"CunnIJlIdco." It Ibll ....... ilIllD I!llI&cr ~ Iho Watoll'oldor will ebaase . _ indox thol is bosed iftfomIaIiCllL 1llaNoloHoldetwlU........lIOIiaDaflldscllllloe. . (C)"""",""",,"'ClIaap . IlefalecoohChonpDolc,IhoNm.lfoIdotwlUCIIoaIaIelllfl&Wln_shllcbyacldlna FIVE & 44/l00T1IS .. .1..' ppoW(.l)( ...000 ") 10 Index. 'Jlla N.... HoIdor wiD IIuIl -.4 ... ~ 01' lids IdiliIIoD to Iho _.....oi Idll of one (O.l25.).S1Ibjeat...lhelindto....., 1a........4(l:l) boIow.dllllIIIIII1IIodllllllal1t will bo lnroo:sI. ""'" ........, a.nacDlk. '!IxoNalaHoltlerwIU lhcn.........the.......lafIllDIIllIIIIld1J1!1P'O!dlhal1lV<lllldbosallJolOOltlD"'!Jlll' Iho.d pdnaipollbltl_........lD_IIt_ChlDia:Dllloiaflllli!lllho!ifllialt,y~atlD,ynowln_..te insuboranlially oqaoI~1hatilUlta(ihlo""",.......m"''''''''~ofll\Yli\llllihI7po,mem. (D)1JIIu......-....CIlIIIps lhal_tIlel_nqlllrelllDJlI\Ta\lholiml~JlIItewill_boplarlh8n 11.950110 " or IaIlbat1 '.9IGOD lL 'II* .....Il\Y___wiJl_beinclOllSCdot......-""'... ~IioaIeChapDaloby_1hsn 0IIi peI<OIlIIIIa,lliDt{s)(. 1.00DII0 Slfllalhetlleafl_I~......JlIl7ln&IbtIho~ SI. lIIOIIIbs.M,ym-lllllo.,lI_boplOrQIIII IU500D ".' .Not...... ..8611IIO .. . (E)EIlllIItfeDJleafCllllllel My_isIIeat:It_wIU~oIIlol:lIwe'"u....a..npDPe.I...'IJllYlho_ofll\Y_ monthlypoy_d bosInninaOllIheIllllIlllllllldy~ ............1he a.ap ~unII11hD _ of lIlT IIIOI1Ib/y Jla)'IlIIlnl eb...... aplD. (P)Nolb..rc:Jwlll!l . . '1hoNalD&lcllrwllldallwtorlllll1lDlIIOllllIlInaflllO'chobaaIln ID,yllllClclttlle_ Ihollft!OllOloflllTmonthly ~tbclfOlllll..oI'r!lolM_aflllO'''' 'IlIollOlieowllllildUilOlJIfoIIn.olionteqoinodby lawtobe al-1IlO IIIIlI _.....,.."".-.1IlIIIIbetOfa.-wIIllwill......~qltCld\alit....,_0IpId\ns1b1lOllca. So BOIUtOWD'81l1OJl'l' TO I'Dl'AY . .. Imv.d.IIJ..I"'..... ... JIIYIDIIIlIofpbdP!1ollQYllme1lclbre.. ...Ihoy. .... cJue.:A.JII)'lIIOIIlol'prinoipalclhlyislatown.. ..",,~WIaotl..~hilllllll1iltiN$~lnwlltlD&lIiatl_doInalO. I_......,u.~,4llorJlMlial~~~!UI)'...(lOr........'thDNok>BoIdotwlll _...crt..,. fl fnymlo;liolio.......Ibo~. .. ~.GfGf..pdncI. . JIll JIll. .... .tWI.-ili!dIr... lIds-. JrI.....~.J>l'OPll7m..l,U- wiU...ao........InIho....dllla:aflD,y'iilanlllb'pjlliljldlIIIIIellSIbioN.H_...-ill writina lDthoao.......M7 JlIIIlIII ~111117 .....""'- afm,1IlDIlIbIy~aIler tho OISt CbInao IlatcfDllow\nJl rlf1 JllIIlial p.ymcIIl.Baw-,'IIIY-..d_"IOIO!'IJpIIlIalpooparmaltlllll1bcolracl"'...~tIlem....... -...--- 6. LCWf CJIABGES Jfllaw. wlliebapp1ieolDlI!lIlomllldwhleb_lIlIIiImaa.laonclwp!, islinllly InlorphllCd solhlllhcinle... o. atber lOIIl.......GQ\I"*"\lI1o bocolJeotod iii"", .-u.- wilhlhlsllla........a 1bio,...,u1l<Cl1imils, dvlIl: (i) Iny!lUeb I,,.,ulwpsblll'" rcdocrxIbylbio~"" - ilD......""'cIw&oklthlpcmnltlod IIrn1~llIlCI (ll)1IIl' spmsallCPdy collooled ftoIn ma whIeb CIIlWdecIpIlIIIiIllldUrnllIl wIIIbclifuhdccl Ill..... 'IlloNate Holder _ cboooo '?....... thIo IIOfiInd by.......... thlpdrialpallowe1llldertldoNotolirbymUina.dItccl poymonllO.... fro rel\md """"""" prinoipol. tbctallletlootwlll...IIe01ooIIIi.JlOIIlIII4 I. ... . .r. ..... ......,.. . .,r ..J ~- ..; ~ .....1ot4 , - " " ~~= J "',~ ~ ,I ~~~-,.-~ . ,_'b ".~ ^'-.".....~~'''' . . BEST COpy 7. BORltOWlAl'8 PAn/IID'I'O PAY AS DQ1lDUlD (A)Late~ftlrO""~" JfIboN0ID9a1dorhooDQt........IIldI1I__ofllll'lIIllIIIhIl'pay_U'l'lheendof FIFtEEN IISl . ooIaullru"slllliltib8_lllsdu",lwlUpI)'.laIaclllllJclolheNo/IOHoIrlcr. Thc....llIIIIIoflh. cluqDwiU.... 1.IIlIlIDO "or.,.........pa~orpdncipill ondildacot.l win P'71bi.lalc~ JIIDIlIPIIybulonJy.....OlIcoohlepaylllllll. (B)1l6a1C lfl<IDlIOtptll1....t\>I\_afaoh\Dlllllhlyppa1lCllltbdarai1ia......1 will baibdd:Ul\l. {C)NaIIoool'DolIwIt IfI_b"loIlllllt,lIloNaleIraltlot""'1"""'_a _1UfoD1IGIIco1OlJibs_lIultifl donalpl)'l&."""""'eamDUlllb)' A -...._lIloNataHoldor..,""IUIte_"'JI06'~lhslllUliliiaublor~lhal....lIDtbcenpoldondoJl lhel..-Ihsll aWl..", thoUlIllIUIII. 'DIllollllo IimIllioalloUt30. oIIorlllo......... wbIch 1&""0000 i.cIc:lIv<n>d or .moiJod1o_ (D)NaWIlwot'Jl;vNIlIeJlaldll' S-II',.._",,-,t_mtlofJa1t,llIoNalaBaldol_llCIlllqllla_lDp&7ilftl\lOClla,e\yibfun .des<:ribod obove,lII81l.....RnI~wiUatiUhawllloli,Pl"'tIo8OlfIlIIlilldlllilultotl_~ (E)l'I\1mtIIlafNllIe....Ca*......... JfIlloN""'JIabIothoolll/lllltadlllOlDJII!I"~M\yillfllU..dcoaIbcdabove, IboNalClIaIdctwillhavclhsrichllo be paid Ioookby....lbraIJ orila......ut.......iII........thlaN"'" fa Iho_nal prohibltad byopplioobl.J.... 'Ihaso.........bIoIIlclcof"..'...p1..III' .....-....,...... .. CIVING OI'NOTICBS UJIIaaappU.......Iaw...dIIlIonIItlllllll1llol,lIll'llIllioollultlllllStba.......ID_llI\dOIlhisNotew\\lbegivenbl' delivodDsltatb)'a\oI1i!i8i1.brlltatCllsstlllillll_ollllcl'mpcttJ AdiItealll1lawarlll.dlffeccntoddo:oslfI give the Nat. Halderait.ollOeO(.,~ . UnIcaolbc N.~detaoq1da:l.dIIlIonIItllldhad.lIll'lID1iaolhsllllllStbe ai....lolhol!lote HoIdor underlhlsNOOl wID bop....by_1laI1tbylklst........11Il.tIlIINGleHaldorllll1oliddbasllllcd...Seo:Ii... 3(A)Olbovcar atadift'_ .......... ifilllllal_'aDticoal'lladdlll'aaltidlla:os. P. OBLIGATIONS 1'1'1 l'BIIION81li'lJJE1t 110S NOTB t___po:l3llft.....thlaN..llIlll!JI!lIIlIIIlotally"""r.... -n,abIlpIodlobopolJ oflbepmm_....r. in IhloN....1bol\I4ln81hO ~.fllTtliI!run'liIIlliIntawOd."....,{IOIIlIlIll_Is.~.IlIIdy...endamoroflhl:l Noioia aIoa abIlp1ed '" do..... ~J!"IIfIlD..... tiIIeo _.... ~hlcJodillll the obllgoJlmw of. ......_..arlllilDllll: or\lilsNalit,ia1\1i!lllW\ptOd"'tooopallOflhopr<lllilta-- iIIth1sN_ ThaNat<oHo\dcr III&7CllCotl:e 1lIi1_....JIfillIlIptillt_........inclIvldUaltrarapllllllllllor..lDplhct. 'Ihlamoanstholllll)'anc af_mqbocequiJllllllJpayalllifllal_oweil'illilkrlhiaNale. 10. WMVEU I &lid tJtJf OIlIorpellllll\ wbahosabllJlllloaolllllierlblsNIIIc WlliYlllhorilhlaorJll'llllCllllDl """ hIlIico at disbanor. .r-at....r'_l!!o.dJhtlD.lDtUNlllclillderloclomomljll)'llllllltor__duo. 'Nadcoofdishanor"_ lhe_Io....IImNIllc1la\der1o~~loollwJlOlSllll"IIIoI_daeliavellCllllccnpold. 11. 'ONtIO'IM SI!.C1lll1l.b NO'D\ 12llsNaIola.llIIiIbm>latlImmoatwllhllmllcd"';ld_la_Judsdictians. J'..llldillOlllolhopmtocti....Sivcn to tbNaloHolda\lllllet t\iiaNalo,.I{I!'~flIOo ~orTDaorSumityDeool(lba'~11ls\MocDli.dIIIod the...... dotellSdlisNOto,~IhoN*~...'.ftaui. _...... bIlilaoRillhot.mijht.' 1IlIlI1. tlfldoDQtllooplhopramiscollllllhllkoin dlis Nola. 1llot S~ _GIIIIlbl "*iihoslbwend IIIIIlcr what OClIllIltIllns I.., lie ~ 10 ....Immad;atc paymentiDrunofaIJ_lowelllUliirIblaNOIe._of......_d.........cr-tbod..ti>ll""'"' · /. ./ . GIl;Itli'~ . ~.' 1'1..:11... ~ ~ _.1 - _ ~ > h ','I > . . a.EST COpy n....re. "'1IIe"~ ar.....IlcI.lJa_lD~r.Ihll..lI17po1loftbe1"mped)'or 0Ill' ~ In II Iollllcl or IIInlIfarcd (or it _'-""'AI IaI=al in 1loI......, illlllcl or lIanSfemd I1JlI BclnllWWlsnatalllllmllpaqllwill'"lllIAllIdot'..wrla=-.LendorIllllY.llllsopdllll, n:quJ1C ~"'lIlllaflll.....__bydillls-dly~".....r.B_.lbbopliQJ1oihs11nlll bo~byLellllorlr~JepoldLltoilLyw...t1aw u ofthedaloollhieSecurill'!n&ltunu:nL Lender IIoa .h.llnat.........IbIo.......1I: (lO _......10 be _10 Loader Inronnetion 1lllIlIhtolLyLender"'............""""""'t.o. ~;_ ..I(.._......-bcbla........a,..\~ ...a(b)ton.s.rm r \lb'~tlIatLcllllct...-mtywll\lIiltboilnpd'""Lythel....IOOIIIIlpI'i"" IlU1 tbet II1D lIsltol a '-"h of.. _or..-a 1ft tbIs Secm\ly TIIsInullI:nlIs lI:<OpI8bIe 10 LcIuIer. To the _ pllIIIIIlIlld IIy IppIIcohIo law. Londot..., chIrJc ala!llllllble fee II a coMilialt ID . LcIuIer.. _10 11Io 1ooIl"Ii"""IP"'lIl.LoIIdcr eIlro mq ~ ~ ldnIIIlIa> lDliIh on .....mplion ...-.m dill ill am=, III Lfndcr alllllIlIl allIlprciI dill _r_to ~ 011 tbe prami...llIId ..--alllldalllllHl. allllhl.lhIall1......lI'~""'_wIUClIIIIinue"'bo...liplOd_ lIIaNalollUlllllss-u,Il"'. . .It.....Laulot__.........aillWIiIiDs. If Lender ..".'.. tlla apIlaD. "'.... iDuMIIIoIIl pIIIl1Il&IIllri tIlIl. Lender tIIaIl r;Wo 110"""''' lIlIIieear.....emIIoIt. TMSIlIdaoo\lallpauldoapodadoflllllleosd1oll30dayo_lhodaletholMlli...l. cIcIivoaoI""uaaIIed __ wlIIoh~ _ pay 1IU __.atod Lylhla Security In.It""",,". U _foils ID,., ..........pslor.........1IIIl1lll oflhie poriod. LoluIor 11II,)' ill"ok""'\!'.......u.. pennlucdllytbls~:/nsIJuaIaItwllboutt\ldherllllliooor""""",,,an1lom>wer. -~--; IiIfj (Boal) --- " (SOd) - (SOlI) -. PAY'I01IlE CIlOl!II Cl' wnliOU1' RE<:OURSE Sllm'ce One M.~ .;:~. S.",ice.s CmpllIllIloa ~.......,' ~ --- . ,., /,.,. ~.jIoe. .......... ....... 3BZO 8/84 " ". " .._~b!" ~_~""'_'- .~ I -," 1, ~. .'lriIho . . a.EST copy First American Title Insllmnce ~ompany ('-"'11I_ No. 703578 SCHEDULE C W. 11/AT c;IlI!T.W! 101: ... _. of _d atuo...u !!!!c;/oud..~ ......... I QoQOi'laod C1ouii." 1'oMo,1..Ido, Doand... .... d_m.. ......... .... ......., i do.IId DIceo!I.. 1.8. 1"1 "'.llo"U J. ...... Iqlotend Sonozor. u lollow.. to "itl 8EllI1IIIIlIG .t'. 10ol.. .. tho .....17 tioh.....-, 1100 .1 Sooth r.rIc S..... no I... VIde) .. · p... .... tile II....".... ....... .f J.at /Ia. 2O.nd ho1.. .......... lIo.tlIval'd.l, .Jooa ... .......1' 1'!aI!t-a.r....., It.. of oatd Booth f.rIc S...... VlMIO feet f... .he ...... U.. of Veot leUerSt-.;: the... .......1.8 f... oold II1illJJlHIIIG PDio. 01... oatd$ooth fork Stl'OOt. ..... 20 d...... 60. 1I1..tb Vue 3I.0 feet to . drill hol., . ..._ of InU _ ... lata .f ... II. Xoot: t1J_ ..t....ilIa 01... la.... .f rat. ......." deanu DO -... 100., 165'0 f... to. """.. ... lloo"'1I7 ado of. 20 f... ..id. aUell .........1... ..Id 011., lauth 20 ........ 60 _... loot, 32.0 foo. to . "h, ~ .......10. .1... I..... 0", ... la.. of Aihert Bra...... .... a..l L. .,..... Sooth. 69 d...... :Ill 111..... 1Ioet 1115.0 foe. to the .~t.\_ pol.. ..d ph... .f II8ll1NIIIIIG, IIEIIIG lea.... .... deaJan.tacI u 110_ /Ia. ZZ3 Sooth f.rIc S...... . ~ -" / '. ~ i .. t:VllJuii /fOil ,~- I .~ L.........",';"" -, ., -J.;,~i' ~~ " '_ _'> I. " - ~. "- "'""~'h VERIFICATION I, Leon P. Haller, Esquire, hereby swear and affirm that the facts contained in the foregoing COMPLAINT for the Mortgage Foreclosure are. true and correct to the best of my knowledge, information, and belief based upon information provided by BANKONE, NATIONAL ASSOCIATION, F/KJA THE FIRST NATIONAL BANK OF CHICAGO, TRUSTEE. Said facts contained herein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. Date: December 19, 2001 Leon P. Haller, Esquire / .- ,... $) ( c ",- ~ .~.".. '"~" ",:",';1; mj:-~<-'':'''':;' ..~_'" o,"~___,"". _\'("_~'j,.",,,'" "' "' ~ "~~ m , --L-.",~.-,,'<" ~_ ~ "._ A_"_~.', -"'~""r=,__'_ .~. ".~ ~. ,.' c. h-<_h'''''f~j+'fH.'Ilki,j~A.r~~\If,,~~M:i;;.~*- - \I \ l'\ ';I t,~\ \ S H ~ j d ___, .., _, ~ c ~ '\-: , In i\~ tG II 17, :I1U \\1' h~ ",' " "i'. ,,',~-J\r'i!f\O HI\nu2" ,. "~\~jO :U\\l;lfIS 3t1ljO ", .~ ,^, ~ __~, ~7"'" . ., ,. _, ,_ '" -"~ -~"~" ~,~"""" ~!€fdWf' ~~[R1\w~ ~ ~ I ~I~._, '--, ,. .~, " ". ",,,,-. .'-, .----'-ii!ilMl1ti'., ' IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYL VANIA No. 01-7135 CIVIL ACTION LAW IN MORTGAGEt'O~CLOSURE ANSWER TO COMPLAINT 1 . Agreed. 2. Disagreed. Although Defendant Michael Chambers does reside at 223 S. York Street, Defendant Lynn K. Chambers resides at 124 W. Portland Street, Apt 28, Mechanicsburg, PA 17055. 3. Agreed. 4. Agreed. 5. Agreed. 6. Agreed. 7. Can't be answered. Defendant Lynn K. Chambers was not informed as to what exactly was owed. Co-Defendant Michael Chambers refused to give her information, as well as Homecomings Financial. Several calls were placed to mortgage company with inquiries as to status of mortgage, as well as written inquiries. All were unanswered. 8. Acknowledged. 9. Acknowledged. 10. Agreed. 11. Disagreed. Defendant Lynn Chambers was told that she must be physically residing at 223 S. York Street address in order to apply for this program. Defendant Lynn Chambers has not lived at residence since February 2000. J ....~ , , -, I.;.--",~ ~"i<" '_" ; -' JiM-'I~,;i NEW MATTERS 12. Defendant Lynn K. Chambers left 223 S. York Street Mechanicsburg (known as the marital residence) February 2000; due to marital discord and due to filing for divorce the prior year. 13. Defendant Michael Chambers changed all locks to property blocking access to home February 2000. Through correspondence between divorce lawyers, and signed agreement, it was known to both parties that Michael Chambers would continue to reside at property and continue to pay mortgage payments on a monthly basis; until home could be sold. (Exhibit A) 14. Upon receipt of first warning of foreclosure in March 2001, defendant Lynn Chambers asked defendant Michael Chambers to physically move out of the residence so defendant could move herself and two children back in. As defendant already had monthly rent obligations for her present home, she could not afford to pay both the homecomings mortgage and her current rent. Defendant was willing to leave her present home to move back in the marital property and pay the Homecomings mortgage, until home could be sold. 15. Upon this offer, defendant Michael Chambers still refused to leave the property. Defendant Lynn Chambers even consulted a lawyer and was told that he could not be ordered to leave the property. 16. Defendant Lynn Chambers tried contacting Homecomings Financial in regards to this situation and received no help. 17. On May 31st 2001, Defendant Lynn K. Chambers filed Chapter 7 bankruptcy in United States Bankruptcy Court, Middle District of PA case #1-01-03152RJW-1. (Exhibit B) 18. Homecoming Financial was a listed as a creditor under this case. (Exhibit C) 19. On September 27,2001 a discharge order was signed. Homecoming Financial did not object to this discharge and no debt with Homecomings Finical was reaffirmed. (Exhibit D) 20. Upon receipt of second foreclosure warning notice from Homecomings financial in October 2001, again Defendant Lynn Chambers offered to move back to the residence and take over the mortgage payments from Defendant Michael Chambers. Again, he refused. 21. Defendant Lynn Chambers consulted another lawyer in regards to this final foreclosure complaint. Defendant Lynn K. Chambers was advised that no further debt could be collected due to Chapter 7-bankruptcy protection. 22. The property on York Street has been for sate since last year. There have been several contracts on the property. But none have been finalized. Property is presently listed with Jack Gaughen realtors. ~ ~ " ',. "- '"'-~~"., * * * WHEREFORE, Defendant Lynn K. Chambers asks the court to find this complaint against her INDIVIDUALLY, invalid due to creditor's (Homecomings Financial Mortgage Company) failure to dispute debt at appropriate time during Chapter 7 bankruptcy proceedings. According to her lawyer, Defendant Lynn K. Chambers is protected from any further debt collection due to this bankruptcy. Lynn K. Chambers Pro se 124 W. Portland Street Apt 28 Mechanicsburg, PA 17055 ~~ ,.'" ""i.- EXHIBIT A , -=",';" liD ~ ~UUl lL~ l~:~l ~A! m 3"J8 Rlo""bu'\ II ~~i'!BtJ ., ~r -, ';.ii'tru'f~trOm::-:--'~~~i:~~,_ March 9, 2001 SUSllll Kay Candiello 5021 Enst Trind!e Road. Suite 100 Mechanic~burg, FA 17050 Re: Frank Chambers v ylichael E. Chambers-No.: 01-1226 Civil Term Our File \;0.: 1111.001 - Dear M~. CandieHo: 1bis is In furtherance of our telephone cOllvenation of March 8. 2002 during which we discussed the out.>lallliing mortgage un the marital premises. Plcasc acknowledge this lelter as an expression of MI. Chambers' acceptance ut" sole responsibility for paying the mortgage, el'tective continuously from the date he had exclusive possession and continuing until the closing d~te of its sale 10 il third puny. In this regard Mr. Chambers' distribution at sale wiil be detennined after calculations are made to reilect his sole obligation as described above. In addition, Mr. Chambers will muke the necessary payments to prevent the .;nurtgage irom being subjected to torcclosurc. Sincerely yours. //1 /~ ~'~i: ! // 1 Concur: (if. (/ r /.../- ROB!NSl;>.'-& GERALDO ~/~ ~\\ \ By: ,:;l1(di-t~J~~-- "emit!" S. Rohinson, Esquire ./ co: Frank C!:umbcrs GSR: dlj POBox 5320 HMi8burq. p"" u"tr5320 Hamsbwg 4407 Norih Front Srreer HIUri'!;burg. PA 17110 :n7) 232-66?5 i.60015T1~2727 r"x Inn 232-5098 Cumberl3n:::l C~:.sIty 61 W. Looiher t;lreel Carlllle. PA17:Jj3 ('117)249.117'7 WMnIi'\gIOfl,CI.C. 1316""""- Ave.. SE Waannoron. D.C. 20003 (202) 544-2899 Fl'Ul. (2021 54H3;;42 U"/.L.J/~UU.L He .L-~..d ' r.4A Ii} ~~l YJ'JU' rlJD.I~..:JVj~ ~ '~~fHtJ ,~- 'UIIIJGSJOllS < <'"" As requested 1 am in writing, accepting that 1 will pay from my portion of the proceeds from the sale of the hou$e, any additional late fees, as well as 1/2 of monies that would have been applies toward the principal of the mortgage, at the time of closing. Additionally, I will make payments necessary to prevent the mortgage lTom defaulting. until the house can be sold. '(;/ / ,.. r /:'- . '. /' :/i .. / / . Ill<tiVI //l_______~ Michael E. ChambcrY ~ -~ I "<,~- l.>;:.,.,._,. J["<4:~A EXHIBIT B @Jrt ~~ - ~ . ~~"~ -<,,~.-;'L='"<-f";' lIB! Form 1, PI (04-95> Julius Blumberg, Inc. NYC 10013 ( ame 0 debtor- FORM 1 VOLUNTARY PETITION United States Bankruptcy Court Middle District of pennsyl vania mdlvl ual, enter ast, Irst, Mid e) N M OF JO VOLUNTARY PETITION B 0 (Spouse) (Last, First. Mid Ie) Chambers, n Katharine A l M use"d" by debtor in the ast 6 years (Include married, maiden and trade names) ALL ER NAMES used by the joint debtor in the ast 6 years (Include married, maiden and trade names.) soc. SEC.tTAX 1.0_ NO. (It more than one, state all) 194-54-4541 STREET A DR 5S OF DEBTO (No. and slreel, Clly, Slate, Zip) 124 W. Portland St. #28 Mechanicsburg, PA 17055 soc. SEC.lTAX 1.0. NO.(1 more than one, stale all) STOR (No. and street, city, state, zip) MAILING AOO ESS F OEB 0 N PRINCIPAL PLACE OF BUSINESS Cumberland (If differenllrom streel address) y 0 PRINCIPAL PLACE OF BUSINESS MAILING ADDR SS OF 0 -~~ jt ..-, .", -j \\ ~ ?:' ~ ~ """t;lJ' ~.&1.. .... (If aiffere;[1t from_st~~ ad res. . ". "'{-..: ,~?~ \"-1i. ;:.} r, ,~,'! I,i C ~/ ::1) \U ,.J..~) f..J LOCAT N OF RINCIPAL ASSETS 0 BUSIN SS D (If differenl from addresses listed above) OR YP OF DEB Qalndividual OJoint (H&W) OPa(tnership OOther NATURE OF OEBT Y COOE UNDER WHI OCorporation Publicly Held DCorporslion Not Publicly Held OMunicipallly OChapter '3 OSec. 304-Case Ancillary to Proceeding Forelg !MNon.Susiness Consumer DBusiness. Complete A&8 below A. TYPE OF BUSINESS (check one box) DFarming DTransporlation DCommodity BroKer OProfesslona! DMa~ufac[uringl DConstruction o RetaiUWholesale Mlnlng OReal Estate DRailroad DSlocKbroker DOlher Business B. BRIEFLY DESCRIBE NATURE OF BUSINESS T THE EBTOR 0200-999 D1000-over aver 010,000-99,000 0 100,000 over 0,0,000,99,000 0 100,000 ::J: :> ;;>;/ ;:v Vi::! COr- el"""1 ;;00 p " - 00 0'-19 co ~ U S U Do 0"19 020-99 -- ~ II8l Form 1, P2 (2-95) Julius Blumberg, Inc, NYC 10013 Name ot Deb/or Chambers, Lynn Katharine Case No, (Courl use only) ILlNG OF PLAN For Chapter g, 11,12 and13 cases only. Check appropriata box. OA copy of debtor's proposed plan dated is attaChed. _ .~" - ~ti&"" DOebtor intends to file a plan within the time allowed by statute, rule, or order of the CO'Jrl. PRrOR BANKRUPTCY CASE FILED WITHIN LAST 6 YEARS (If more than one, attach addJtlonal sheel) location Where F1 ad Case Number ate Filed PeNOING BANKRUPTCY CASE FILED BY ANY SPOUSE, PARTNER, OR AFFILIATE OF THIS DEBTOR (if mar. than one, attach additional sheet.) ama of Debtor Case Number ate Relationship District Judge REOUEST FOR RELIEF Debtor is eligible for and requests relief in accordance with the chapter of title II, United States Code, specified in this petition, SIGNATURES x ATTORNEY Dale S/3~C:;O<J1 CORPORATE OR PARTNERSHIP DEBTOR 1 declare under penalty of perjury 1hat the \nforma\io~ pro\lid~d in this petition is true and correct, and that I have been authorized to file this petition on behalf or the debtor. X Signature of Authorized Individual Print or Type Name oj Authorized Individual Title of Individual Authorized by Deb lor to FIle this Petition Date e tor is a corrarallon ling under hapter 11, X r It" . IS attache and made part 0 this petition. CERTIFICATION AND SIGNATURE OF NON-ATTORNEY BANKRUPTCY PETITION PREPARER (See 11 U.S.C. 110) I certify that I am a bankruptcy petition pre parer as defined in 11 U.S.C. Seo. 110, that I prepared this document for compensation, and that I have provided tr debtor with a copy of this document. X Signature of Joint Debtor Dare TO BE COMPLETED BY INOIVIOUAL CHAPTER 7 DEBTOR WITH PRIMARILY CONSUMER DEBTS (S.e P.L. 98-353 3221 I am aware that J may proceed under chapter 7,11,12 or 13 of title 11, United States Code, understand the relief available under each such chapter, and choose to proceed under chapter 7 of such title. resented by an attorney, exhibit "8" has been completed. Date sj3);;tJ'j X Signature ot Joint Debtor Date EXHiBIT "B" (To be completed by attorney for individual chapter 7 debtor(s) with primarily consumer debts.) I, the a.ttorney for the debtor(s) named in the foregoing petition, declare that I have informed the debtor(s) that (he, she, or they) may proceed under chapter 7, 11,12, or 13 of title 11, United States Code, and have eXl'iained lhe relief available under each such chapter. X SIgnature ot Attorney Date Printed or Typed Name of Bankruptcy Petition Pl'eparer Social Security Number Tei. No. Address Names and Social Security numbers of all other Individuals who prepared or assisted In preparing this document If more than one person prepared this document, attach . additional signed sheets confirming to the appropriate Offlc~al Form for each person. X Signature of Bankruptcy Petition PrepareI' A bankruptcy petition preparer's failure to comply with the pro\li:>ions ellltls 11 and the Fedsra' Aules of Bankruptcy Procedure may result In fin.. Of Imprlssonment orbolh. '1U,S.C, 110; laU.S.C. 156. t_. ~. ~O", Jitll;ibt\1 _FOrm? Stmt. of Financial Affairs (11-92) Julius Blumberg,lnc. NYC 10013 STATEMENT OF FINANCIAL AFFAIRS UNITED STATES BANKRUPTCY COURT Middle DISTRICT OF Pennsylvania InRe: Chambers, Lynn Katharine Case No. Debtor(s) STATEMENT OF FINANCIAL AFFAIRS This statement ;s to be completed by every debtor. Spouses t1t1n9 a joint petition may fite a single statement on which the !nformat!on for both spouses is combined. It the case is filed under chapter 12 or chapter 13. a married debtor must furnish lnformatlon for both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed. ~n jndiv~duaL debtor engaged in business as a sole proprietor. partner. family farmer, or self-employed professional, should provlde the lnformation requested on this statement concerning all such activities as well as the individual's personal affairs. Questions 1-15 are to be completed by all debtors. Debtors that are or have been in busloess, as defined below, also must c:orrplete Questions 16-21. If the answer to any question is 11None" or the question is not applicable, mark the box labeled tlNonell. If additional space is needed for the answer to any question, use and attach a separate sheet properly identified with the case name, case number (if known), and the number of the question. DEFINITIONS IIIn business.1I A debtor is "in business'l for the purpose of this form if the debtor is a corporation or partnership. An individual debtor is lI;n businessu for the purpose of this form if the debtor is or has been, within the two years inmediotely preceding the filing of this bankruptcy case, any of the following: an officer, director, managing executive, or person in control of a corporation; a partner, other than a limited partner, of a partnership; a soLe proprietor or self-employed. llInsider.1! The term "insideru includes but is not limited to: relatives of the debtor; general partners of the debtor and their relatives; corporations at which the debtor is an officer, director, or person in controt; oificers, directors, and any person in controL of a corporate debtor and their relatives; affiLiates or the debtor and insiders of such affiliates; any managing agent of the debtor. 11 U.S.C. ~101(30). Norle i I 1. INCOME FROM EMPLOYMENT OR OPERATION OF BUSINESS State the gross amount of income the debtor has received from employment, trade, or profession, or from operation of the debtor'S business from the beginning of this calendar year to the date this case was commenced. State also the gross amounts received during the two years immed1ate\y preceding this calendar year. (A debtor that maintains, or has maintained, financiaL records on the basis of a fiscal rather than a calendar year may report fiscaL year income. Identify the beginning and ending dates at the debtor'S fiscal year.) If a joint petition is filed, state income for each spouse separately. (Married debtors filing under chapter 12 or chapter 13 must state income of both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not fiLed.) AMOUNT SOURCES 7000.00 1999 - Operations Administration Assistant 24121.00 2000 - Operations Administration Assistant 9000.00 Year to date - Operations Administration Assistant , , ,'" ~-" L....~ - " -, "-"i -.",," ~:!.:;, ''i.i None 2. INCOME OTHER THAN FROM EMPLOYMENT OR OPERATION OF BUSINESS I 1 State the amount of income received by the debtor other than from employment, trade, profession, or operation of the debtor1s ~siness durlng the two years immediateLy preceding the commencement of this case. Give particulars4 If a joint petition is filed, state income for each spouse separately. (Married debtors filing under chapter 12 or chapter 13 must st income ior each spouse whether or not a joint petition ;s filed, unLess the spouses are separated and a joint petition is n filed. ) AMOUNT SOURCES 780.00 Collected from U.C. Benefits - 4/10 to 5/17/2001 None I I 3. PAYMENTS TO CREDITORS a. List aLl payments on Loans, installment purchases of goods or services, and other debts, aggregating more than $600 to any creditor, made within 90 days immediately preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include payments by either or both spouses whetner or not a joint petition is filed, unless t spouses are separated and a joint petition is not filed4) NAME AND ADDRESS OF CREDITOR DATES OF PAYMENTS AMOUNT PAID AMOt: STILL OWl Consumer Credit Counseling monthly 191.00 Student Loan Monthly 200.00 None 1)( I b. List all payments made within one year immediately preceding the commencement of this case to or for the benefit of creditors who are or were insiders. (Married debtors filing under chapter 12 or chapter 13 must include payments by either both spouses whether or not a joint petition is flled, unless the spouses are separated and a joint petition is not filed.) None 4. SUITS AND ADMINISTRATIVE PROCEEDINGS, EXECUTION, GARNISHMENTS AND ATTJ I I a. list all suits and administrative proceedings to which the debtor is or was a party within one year immediately pre( bankruptcy case. (Married debtors filing under chapter 12 or chapter 13 must include information concern1ng either or both spouses or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.) CAPTION OF SUIT NATURE OF AND CASE NUMBER PROCEEDING COURT AND LOCATION STATUS OR DISPOSITION Gates & Ass. Civil Complaint No.CV.000010101 DJ. Manlove Cumberland County Judgment entered 5/3/01 for $2,993.40 " None Ixl None /xl None [Xl None [xl None Ixl None IX[ -. "~ ~ ., ""~,"",,-,', CAPTION OF SUIT NATURE OF AND CASE NUMBER PROCEEDING COURT AND LOCATION STATUS OR DISPOSITION JFrank Chambers Civil Complaint v.Lynn K. Chambers and Michael E. Chambers No. 01-1226 - Civil Cumberland County Pleading stage b. Describe all property that has been attached, immediately preceding the commencement of this case. information concerning either OT both spouses whether a joint petition is not filed.) garnished, or seized under any legal or equitable process within one (Married debtors filing under chapter 12 or chapter 13 must include or not a joint petition is Tiled, unless the spouses are separated ar 5. REPOSSESSIONS, FORECLOSURES, AND RETURNS List all property that has been repossessed by a creditor, sold at foreclosure sale, transferred through a deed in lieu of forecLosure or returned to the seller, within one year immediately preceding the commencement of this case. (~arried de filing under chapter 12 or chapter 13 must include information concerning property of either or both spouses whether or not joint petition is filed, unless the spouses are separated and a joint petition is not filed.) 6. ASSIGNMENTS AND RECEIVERSHIPS s. Describe any assignment of property for the benefit of creditors made within 120 days immediately preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include any assignment by either or both spouses whether or not a joint petition is filed unless the spouses are separated and a joint petition is not filed.) b. List all property which has been in the hands of a custodian, receiver, or court appointed officiaL within one year immediately preceding the commencement of this case. (Married debtors filing under chapter_ 12 or chapter 13 must include information concerning property of either or both spouses whether or not a joint petition ;s tiled, unless the spouses are separated and a joint petition is not filed.) 7. GIFTS List all gifts of charitable contributions made within one year immediately preceding the commencement of this case except ordinary and usual gifts to family members aggregating less than $200 in value per individual family member and charitable contributions aggregating less than $100 per recipient. (Married debtors filing under chapter 12 or chapter 13 must include gifts or contributions by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.) 8. LOSSES List all losses form fire, theft, other casualty or gambling within one year immediately preceding the commencement of this case or since the commencement of this case. (Married debtors filing under chapter 12 or must include losses by either or both spouses whether or not a joint petition is filed, unless the spouses are and a joint petition is not fiLed.) chapter 13 separated . """' "" "~.r'o"".;l';",!!l"'K-" None 9 . . PAYMENTS RELATED TO DEBT COUNSELING OR BANKRUPTCY I I lis~ all payments made or property transferred by or on behalf of the debtor to any persons, including attorneys, for consultation concerning debt consolidation, relief under the bankruptcy law or preparation of a petition in bankruptcy within one year immediately preceding the commencement ot this case. None [Xl None Ixl None Ixl None Ixl None Ixl NAME AND ADDRESS OF PAYEE DATE OF PAYMENT, NAME OF PAYOR IF OTHER THAN DEBTOR AMOUNT OF MONEY OR DESCRIPTION AND VALUE OF PROPERTY Consumer Credit Counseling 10/00 191. DO/monthly 10. OTHER TRANSFERS list aLL other property, other than property transferred in the ordinary course of the business or financial affairs of the debtor, transferred either absolutely or as security within one year immediately preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include transfers by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.) 11. CLOSED FINANCIAL ACCOUNTS List all financial accounts and instruments heLd in the name of the debtor or for the benifit of the debtor which were closed, sold, or otherwise transferred within one year immediately preceding the commencement of this case. Include checking, saving, or other financial accounts, certificates ot deposit, or other instruments; shares and share accounts held in ban~s, credit unions, pension funds, cooperatives, associations, brokerage houses and other financial institutions. (Married debtors filing under chapter 12 or chapter 13 must include information concerning accounts or instruments held by or for either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.) 12. SAFE DEPOSIT BOX List each safe deposit or other box or depository in which the debt has or valuabLes within one year immediately preceding the commencement of this case. 12 or chapter 13 must include boxes or depositories of either or both spouses unless the spouses are separated and a joint petition is not filed.) had securities, cash, or other (Married debtors filing under chapter whether or not a joint petition is filed, 13 . SETOFFS List all setoffs made by any creditor, including a bank, against a debt or deposit of the debtor within 90 days preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.) 14. PROPERTY HELD FOR ANOTHER PERSON list alL property owned by another person that the debtor holds or controls. """"'~ """ ., ")~ %'u' -~ ,~ -","c> ~d'--""'>" ')t None 15. PRIOR ADDRESS OF DEBTOR I I If the debtor has moved within two years immediately preceding the commencement of this case, list all premises-which the debtor occupied during that period and vacated prior to the commencement of this case. If a joint petition is filed, report also any separate address of either spouse. ADDRESS NAME USED DATES OF OCCUPANC 908 Loring Lane Mechanicsburg, PA 17055 Lynn Chambers 2/2000 to 6/2000 223 S. York Street Mechanicsburg, PA 17055 Lynn Chambers 1993 to Feb.2000 " ~I ," ~ "~ . -. _~IiI;;.y;j? ~unsworn Declaration (4-95) Julius Blumberg, Ine NYC 10013 Unsworn Declaration under Penalty of Perjury, (If completed by an individual or individual and spouse) I declare under penalty of perjury that I have read the answers contained in the foregoing statem I financial affairs and any attachments thereto and that they are true and correct. ~~ ignature of Debtor Date Signature of Joint Debtor (if any) ~.._........_.~......-.........................._.........~......_..~...._....._..- ........._._......_.....-.....__..........~_......._....._...........__._"'....._m......_..,_,.,............,,"~__......_"........___.............._....._........_........,,~...... CERTIFICATION AND SIGNATURE OF NON-ATTORNEY BANKRUPTCY PETITION PREPARER (SEE 11 U.S.C. 110) I cerfify that I am a bankruptcy petition preparer as defined in 11 U.S,C. 110, that I prepared this document for compensation, and that I have provided the debtor with a copy of this document. Print or Typed Name of Bankruptcy Petition Pre parer Social Security Number Address Names and Social Security numbers of all other individuals who prepared or assisted in preparing this document. It more than one person prepared this document. attach additional signed sheets conforming to the appropriate Official Form for each person. Signature of Bankruptcy Petition Preparer Date A Bankruptcy petition preparer's failure to comply with the provisions of title /I and the Federai Rules of Bankruptcy Procedure may result in fines or imprisonment or both. 11 V.S.C. * 110; 18 V.S.C. g 156. .......-.........................-...........-..-...---.............,.._-~......._._- ...........................___........._........._.._. ..........._...._.""......,........,,,..._w..................... (If completed on behalf of a partnership or corporation) I declare under penalty of perjury that I have read the answers contained In the foregoing statement of financial affairs and any attachments thereto and that they are true and correct to the best of my knowledge, information and belief. Date Signature Print Name and Title (An individual signing on behalf of a partnership or corporation must indicate position or relationship to debtor.) continuation sheets attached .. ..PENALTYFOFl MAKiNtiA~AC~E~TAt~MENT... Fine of upto$500i()Ooori",PJrs"rim~d(ibtp~16~~~~[~,~i~9!~;i~!.J.~..p. 152 a';d~571. !Jili ._~'-.- .J "I - ~ <=" '~ ~""-'<o_''''~j;' 11III Form '86 A (6-90) Julius Blumberg, Inc. NYC 10013 In te: Chambers, Lynn Katharine Debtor(s) Case No. {if kno.... SCHEDULE A - REAL PROPERTY H CURRENT MARKET VALUE OF DEBTOR'S AMOUNT OF - NATURE OF OEBTOR'S W INTEREST IN PROPERTY DESCRIPTION AND LOCATION Of PROPERTY WITHOUT OEDUCTING SECURED INTEREST IN PROPERTY J ANY SECURED CLAIM CLAIM C OR EXEMPTION 223 S. York Street H resides in J 18500.00 73000. C Mechanicsburg, PA 17055 property valued at $110,000. Pursuant to Property Settlement Agreemen house is to be sold and proceeds divide equally. Late fees assessed to former spouse are to be deducted from his share. I I (Report also on summary Total-> $ 18500.00 01 Schedules.) i3 ~..- EXHIBIT C ,. .1 '" , -~- - . ,--:j .',- ,~' , ,;.;::_;:-~(, ;';,,; - .1... , ~,,",;~, 11IIIII Form B6 0 (6.90) Julius Blumberg, Inc. NVC 10013 In re: Chamb.ers, Lynn Katharine Oebtor(s) Case No. 01 known SCHEDULE D - CREDITORS HOLDING SECURED CLAIMS o Check this box if delitor has no creditors nolding secured claims to report on this Schedule D. ~U H OATE CLAIM WAS INCURRED, c CREDITOR'S NAME ANa D w NATURE OF LIEN, AND U AMOUNT OF CLAIM UNSECURED MAIUNG ADDRESS E J DESCRIPTION AND MARKET D WITHOUT DEDUCTING PORTION INCLUDING ZIP CODE B C VALUE OF PROPERTY VALUE OF COLLATERAL IF ANY SUBJECT TO LIEN T A/C, 20000000081060 01/00. 5821. 00 0.00 Allflrst: Bank Securlty Agreement P.O. Box 64679 1996 Mitsubishi Baltimo:re, MD Galant ES 21264-4679 VALUE $ 5821.00 A/C, 0800:380396 I 09/98 Mortgage 73000.00 0.00 Homecomlng Flnanclal 223 S. York St. 9275 Sky Park Court Mechanicsburg, PA 3rd Floor 17055 San DieClo, CA 92123 VALUE $ noooo.OO Ale # I VALUE $ Ale # I VALUE $ A/C# I VALUE $ Ale # I VALUE $ AIC. I VALUE $ A/C# I VALUE $ Ale # I VALUE $ Subtotal ~> $ 78821.00 continuation sheets attached (Tolal 01 this page) Total-> $ 78821. 00 use onIon last a e .11 t':nntinnp"t 4'!nTf'lt r.. if lJt1liouldated. enter U. if diaouted. enter D. ( y p g I ""~- I ~~ ,,'= ~,<_, I ~_,; , ',,_J _ ~'.!'~~'O. IIDI Form 86 H, (6-90) Julius B:umberg, Inc. NYC 10013 In re: Chambers, Lynn Katharine Debtor(s) Case No. (if know"n SCHEDULE H - CODEBTORS o Check this box if declcr has no ccdeblors. NAME AND AODRESS OF CODEBTOR NAME AND ADDRESS OF CREDITOR Michael E. Chambers 223 S. York Street Mecr.anicsburg, PA 17055 Homecoming Financial 9275 Sky Park Court, 3rd Floor San Diego, CA 92123 1iA; " ,-,' ~'"",- '~""" EXHIBIT D oi'iff. '" '. !<ii""""","",'~"'.. LAWRENCE}. NEARY AITORNEY AT LAW 108-112 WALNUT STREET HARRISBURG, PA 17101.1609 Telephone: (717) 238-4798 FAX: (717) 238.4793 File No.010068 October 8, 2001 Lynn K. Chambers 124 W. Portland Street #28 Mechanicsburg, P A 17055 RE: Bkr. No. 1-01-03152 Dear Lynn: I trust that you have received a copy of the Discharge Order dated September 27, 2001 signed by the Honorable Robert J. Woodside. This is an important paper and should be retained along with a copy of the Bankruptcy Petition and Schedules for future reference. Please note that the listed creditors are prohibited from attempting to collect any debt that was listed on your Schedules which has now been discharged. The discharge granted by the Bankruptcy Court does not apply to certain taxes and debts which have been reaffirmed. Should you have any questions regarding the effect of the Discharge Order or should you be in need of legal services in the future, please do not hesitate to contact me. Thank you for your cooperation during this proceeding. LJN/jlk Enclosure ~-...L "_~ ,,~ -, ,~. ,< ,!~_i__, ;.~;::- . Form DIS-70(Official Form 18) (9197) Social Security No(s).: Debtor: 194-54-4541 UNITED STATES BANKRUPTCY COURT MIDDLE DISTRICT OF PENNSYLVANIA ) ) ) ) Case Number: 01-()3152RJW-1 ) ) ) ) ) Chapter: 7 ) ) ) Debtor ) ) ) ) ) ) ) InRe: . . CHAMBERS, LYNN KATHARINE 124 W PORTLAND STREET #28 MECHANICSBURG, PA 17055 DISCHARGE OF DEBTOR It appearing that the debtor is entitled to a discharge, IT IS ORDERED: The debtor is granted a discharge under section 727 of title 11, United States Code, (the Bankruptcy Code). D8ted: September 27,2001 SEE BACK SIDE OF THIS ORDER FOR IMPORTANT INFORMATION ~ ~ 0 ~' ~ -, j ; 'lIliii~;,' . UNITED STATES BANKRUPl'CY COURT MIDDLE DISTRICT OF PENNSYLVANIA INRE: CHAMBERS, LYNN KATHARINE CASE NO: 01-03152RJW-I CHAPI'ER: 7 FINAL DECREE The estate of the above named debtor(s) has been fully administered. IT IS ORDERED THAT: MARKIAN R. SLOBODIAN is discharged as trustee of the estate of the above named debtor(s) and the chapter 7 case of the above named debtor(s) is closed. BY THE COURT DATED: October 2, 2001 Robert J. Woo ide Chief United States Bankruptcy Judge VAN-92 ,..c.c;:~.r:1: ;,<, _V~ -+~~~~~tii~~~J&,:~~t/AA:~')i~~k<rd,~"";j,>"~i",:~_':":/_',,,,,,_,-",,,."''l"",,,,,~,,,,;,;;",il;.~~<."'"'''''"~''til:l''Jk,,,,,,,,,,~ilifJ'~c~-.M~ ~/-I ~1.\~~~.,^.II'\' ..' . Jl!J1J .Lc"c,,""~,.,'~'^ , ...p.;!l.J.\~U.J."...P.. .~..",." ^.,;<~ ",^_' ^''' _~_<"\L_",, ~,~\, o"A;. ,-'"", o ~~ "l:J[:j !2:i r-. ." --,- ~-~"-, ~..,., C.,..) 1'..) C_' -..-' ..J_o- :0 -< ,."....,. . I, ~.,- " -~~~ "I , ~. = ~ "in., ~l":""'~"";:""l.~"" \ BANKONE, NATIONAL ASSOCIATION flk/a THE FIRST NATIONAL BANK OF CHICAGO, TRUSTEE, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND CO., PENNSYLVANIA NO. 01-7135 CIVIL TERM vs. MICHAEL E. CHAMBERS and LYNN K. CHAMBERS a/k/a LYNN CHAMBERS, CIVIL ACTION - LAW Defendants IN MORTGAGE FORECLOSURE PLAINTIFF'S REPLY TO NEW MATTER OF DEFENDANT, LYNN K. CHAMBERS AND NOW, comes the Plaintiff, BankOne, National Association flk/a The First National Bank of Chicago, Trustee, through Its Servicing Agent, Homecomings Financial Network, Inc. and by its attorneys, Purcell, Krug & Haller, and files the following Reply to New Matter: The averments set forth in Paragraphs 1 through 11 of the Plaintiff's Complaint are incorporated herein by reference. 12.-16. Denied. After reasonable investigation, the Plaintiff is without sufficient information or knowledge to respond to the factual averments of the Co-Defendant and therefore such averments are denied. 17. Admitted. 18. Admitted. 19. Admitted. In further response, although the Co-Defendant has been discharged from payment on the Note, she still must be identified as a Co-Defendant in the foreclosure action, due to her status as an original mortgagor and a co-owner of the subject premises. The foreclosure action is an in rem proceeding in which the Plaintiff is seeking possession of the property, not an in personam judgment against either Defendant. 20.-22. Denied. After reasonable investigation, the Plaintiff is without sufficient information or knowledge to respond to the factual averments and therefore same are denied. ri' -- \. I _ v ~'" . -ii*~jJJ0.;". WHEREFORE, the Plaintiff respectfully requests this Honorable Court to grant the relief requested in Its Complaint. Respectfully submitted, Dated: u/I r 10 L. . Wineka, Esquire Arney ID # 58802 Leon P. Haller, Esquire Attorney ID # 15700 PURCELL, KRUG & HALLER 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 Attorneys for Plaintiff 2 ->1 r . .~" -,- ',-.' - -' ,".'-"" -,-n',_' 0'1 ~ 'd, '. , " COMPANY: HOMECOMINGS FINANCIAL NETWORK, INC., Servicing Agent for BANKONE, NATIONAL ASSOCIATION flk/a THE FIRST NATIONAL BANK OF CHICAGO, AS TRUSTEE VERIFICATION I verify that the statements made in the Plaintiff's Reply to New Matter of Defendant, Lynn K. Chambers are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unswom falsification to authorities. HOMECOMINGS FINANCIAL NETWORK, INC., Servicing Agent for BANKONE, NATIONAL ASSOCIATION flk/a THE FIRST NATIONAL BANK OF CHICAGO, TRUSTEE 1A- Jz ,4.ss-r - t-J.,C?e _ ;f-q;~ r Title Date: le /3/ u 1, ,; ~ - 'C'M~W.. ~ CERTIFICATE OF SERVICE I, Barbara A. Shadel, an employee of the law firm of Purcell, Krug & Haller, do hereby certify that I served a true and correct copy of Plaintiff's Reply to New Matter upon the following by depositing same in the United States Mail, First Class Postage, Postage Prepaid, addressed as follows: Lynn K. Chambers a/k/a Lynn Chambers 124 West Portland Street Apartment 28 Mechanicsburg, PA 17055 Michael E. Chambers 223 South York Street Mechanicsburg, PA 17055 Pro Se Defendant Pro Se Defendant &~c.~ ~arbara A. Shadel Dated:&II~/O (fcllhomecomingslchamberslReply to New Matter) eM ~~~~Ml~'f;i"H:4'<-""->',P'i'",i~",).~,:.,~",q,,,.,,"''''i.~'l";'L~,,"4J';@,,"- *,I-.,U~l~lW,tJ~~,.,]~-..L_ _ _~~UJ.\.b., ,:,ll~,,,1.V J&lJB:-L~JLL~,",-J_~~_< ,~,,_ _ ""~_, .Jtoro- .~,~ ."__"",.".,~,., .'~_ '"." ,~-~, ,.., nnlr~-.j/,~';';",,_>l_..i:i;MIt__ --"- ",," '''''''''--'-' '"-" ~-~ < ~ 0 0 0 C tv ~~ "'Tl '- .-1 -gOJ c.c= nlfT' ::ci\:~ Z:J~; ;;:'P..:: ~j~~,. "-"""1;-n ,.0 "0 r- L ~~ -" -u .-:-. p :1'':: ~~~l") -;'''' i:~, ~t> c- ':--::::-ln1 ~t .r::- ~~ --j -< (n -< ~ , .> -, ~.'", ,,; -'C:; . \ BANKONE, NATIONAL ASSOCIATION f/kfa THE FIRST NATIONAL BANK OF CHICAGO, TRUSTEE, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND CO., PENNSYLVANIA NO. 01-7135 vs. MICHAEL E. CHAMBERS and LYNN K. CHAMBERS alkfa LYNN CHAMBERS, Defendants CIVIL ACTION - LAW IN MORTGAGE FORECLOSURE AFFIDAVIT Mimi Lev, being duly sworn, deposes and says: 1. That I arn a Foreclosure Specialist of Homecoming Financial Network, Inc., Servicing Agent for BankOne, National Association f/kfa The First National Bank of Chicago, Trustee, which has a business address of 9275 Sky Park Court, San Diego, California 92123, and I have personal knowledge of the facts hereafter set forth. 2. That in my capacity as a Foreclosure Specialist, I have the responsibility to review and am familiar with the files of Homecomings Financial Network, Inc., Servicing Agent for BankOne, National Association f/kfa The First National Bank of Chicago, Trustee, with respect to its mortgagors, including the account of Michael E. Chambers and Lynn K. Chambers. 3. That BankOne, National Association f/kfa The First National Bank of Chicago, Trustee is the current owner and holder of a Note dated September 25, 1998, executed by Michael E. Chambers and Lynn K. chambers, in the original amount of $73,000.00. A true and correct copy of the Note is attached hereto. 4. That said Note is secured by a Mortgage executed by Michael E. Chambers and Lynn K. Chambers as recorded on October 1, 1998 in Cumberland County Mortgage Book 1486, Page 931. Source One Mortgage Services Corporation was the original mortgagee. The Mortgage was assigned to The First National Bank of Chicago as Trustee and the Assignment was recorded on July 22, 1999 in Misc. Book 619, Page 1034. The First National Bank of Chicago, as Trustee is now known as BankOne, National Association. True and correct copies of the Mortgage and Assignment are attached hereto. 5. Thatthe present owners of record of the property are Michael E. Chambers and Lynn K. chambers, who each have a last known mailing address of 223 York Street, Mechanicsburg, Pennsylvania 17055 and 124 West Portland Street, Apartment 28, Mechanicsburg, Pennsylvania 17055. A true and correct copy of the current Deed dated September 25, 1998, recorded on October 1, 1998 in book 186, Page 485, showing both Defendants as the current owners is attached hereto. 6. That said Note is now in default, the due date of the last installment being May 1, 2001. 7 That the outstanding balance, exclusive of attorney's fees and costs, as of March 31, 2002 is as follows: Present principal balance Interest from 04/01/01 to 3/31/02 Escrow deficit Late Charges Appraisal fee/BPO Property inspection fees Trustee sale $71,781.61 7,501.18 943.00 514.77 100.00 77.50 250.00 Total to pay loan in full $81,168.06 8. That interest accrues from the 1,t day of April, 2002 at the rate of $19.84 per diem. 9. That the current monthly payment is $764.52. 10. That legai fees incurred to date are $1,875.00. 11. That legal costs incurred to date are $361.20. <<d~ ;ilmuMi~~_Il~lll:lllil>jl'(J~ml~~~,'f~Hff~;~~~UJjf' ~1~4,<.1":.-i?!::;;Y~N,..,~",.,,:t(;,~t, -,.~.".,,,,~" _ _".~ .' UU ~ :.L';.J~jc~l..,."~~" M::,:"",:~Fj. ^;h'r.J,JJ, ,;},-.\ )o'"',,,~"" ,,<~__" ~_ ._ .~, _,,, / ,', N "".""', _"".~"e o c <-~ iIj f}; :~ ;!>c :7 :3 , . , C,;:) !'v '- S ,-,,;- f',j i)? , " ;~i~~~{ ~;2 ~ ...v -< 1'0 .. "",-,,--~ . '" - . " "I . ~.', .~, ~<W&~JsjiY '. . . 12. That the amount necessary to reinstate the mortgage, exclusive of attorney's fees and costs, as of March 31,2002 is as follows: 5 Payments @ $792.05 - 5/1/01-9/1/01 1 Payment @ $872.17 - 10/1LOl 1 Payment @ $820.10 - 11/1/01 2 Payments @ $1,013.89 - 12/1/01-1/1/02 2 Payments @ $764.52 - 2/1/01-3/1/01 Late charges Appraisal fee/BPO Property inspection fees Trustee sale TlYI'AL TO REINSTATE $ 3,960.25 872.17 820.10 2,027.78 1,529.04 514.77 100.00 77 .50 250.00 $10,151. 61 13. That by letters dated October 12, 2001, the Plaintiff sent by regular mail and Certified Mail, copies of the Act 91 Notices to the Defendants to the property subject to the Mortgage, i.e. 233 South York Street, Mechanicsburg, Pennsylvania, 17055, which was their last known address at the time the October 12, 2001 Notices were sent. True and correct copies of the Act 91 Notices are attached hereto. HOMECOMINGS FINANCIAL NETWORK, INC. as Servicing Agent for BANKONE, NATIONAL ASSOCIATION, flk/a THE FIRST NATIONAL BANK OF CHICAGO, TRUSTEE B~~ Foreclosure Specialist Title SWOR~and sUbtt.$bedl before me this Jl:.: day of n , 2002. ~\j)~ My Commission Expires: f) 1(01 CJ;}- (SEAL) TAMMY WILDE . commission # 1190197 '., Noto,\, Public - Col!fomlc Son Diego County My Ccmm. ""*"" Jul16. . (fcllhomeoomin9slchamberslsjaff) i~~ c _~ ',' " . . BEST COpy 70DI"~D2-3 .ADJUSTABLE RATE NOTE (LIBOR'MclIIIIaIiidls(.UMIlllaedIa TIle Willi SIreollaanW) -1laIe Copo) . THISNOTECQNTI\INS~AU.OWINGFORCHANGES IN MY INrEREST RATE AND MV MONTHLV PAvMENr.nos 'NOtE LIMITS THE AMOUNT MY rNTEIlEST RATE CAN ctlANGEAT NflfONETlMEANDTHeMAXlMUMRATEIMUSTPAV. SEPTEMBER 25TH, 1188 - CAMP HILL [air) 223 8 YDltX Sf MECIIlllIC8tlUR6. PA l705l1-8303 V-_ PEHNSVLVANIA -, _1111I111 NO'fE 1.IlOJl1lOWll.R'S no~ TO PAY . .-----.....-.-..__ Inmtumfon1aan.lbotllllmi__1Jl1D11l1ooIo\*yU,8.S 73.000.00 (lhls IIIIlDUhL I. called .""""lpal"),plasm-.lolhe_artlJetillllllr, '1lIo......I. SOUlICE GlIE IIIIITIADE I!lIVlces COl!PIIR!TIOH. A OELAIIARE CORPORATION '. I onclearond Ihal tho Lcndo: IIIIil' IIlaCoo iIds Hale; 1ho LIIul.. or ~ who...... Ihio Nale by_ ond woo i. cnlitled 1o.-"",.,....,.UlldcIbll!fOl8I.aoIIed Ibo "NoIelIoIdor. . 2.1NTEREST . IIIlcal8l will beabotaed 0Il1lbplicl prilIclpal1lllllJ IllatllD _ of principii has been paid. I will pay intcnotat. y..r1y_of 8.81000 .. TIut ibIaea note I willl'l1lDAYehonlO inllCCllldancc wilh SOClion 4 of IhfsNote. 'Ibe inIaalt -lIlIIlIbed by 1his8oeliClft2.... S<oIion4 alibis Nole is the _I will (lily boIh W"", ond olIer...y ddoallcr-lbodinSedioa1(B)afIhisNOI8. J. PAYMENTS (A)'I'ImoandPlo..af~ lwillP'9'priaelpollllUlialoalolll7l11111dna~evory_. h..'IIIl8Imm,ylllDllllh\ype,)'llll!llllllll...n.lIaycleoolllnalllhboslMlncon HOVEHBER I , . l1U. J will.......'IheIo.....~1I\OIllI11111ll11 bava I10Id all ofilia priaoipll..... iI\lcIoot end any otl... .hotsescr-lbodbolllVtbotllIIIil'''''''UlldclhisNoIc.MyIllDlllldyJl&l'lllClllswDlbcopplled lOinlctaLbeCorcprinciJl$l. If,Ol\ OCTIJ8ER 1ST. 2028 ,hdll o",,"llIIoUlHnllll."hisNo!c, I will pay rhooe omOODlsin{aUOIllhahlarc, whioblacaUacllhe"MalmilfDaro.. . 1w\II\11l11l1OIIl)'IIIlIIIIhIy~al 275li5 FIIIIIINBTON llOAD FAIlMINlfOH HILLS, HI 48334-3314 oral.diw-.tpr..lfroqullOdbylheNoboHoIder. (B)ADiouat"'MrllllllalMaldblr~'" l!IIchofmyhddallllCllll\ily~ beillllla_ofU.S.S 584.75 .'Ibis_....y dlange. . (C)MaalIoIrPa1meU:....... a..n,.s In III,YIIIOlllh\f I*1IDClIl will lIOIIect........ In 1ho1Dlpoid prinoipol oflDy loan end in tho In_ rale tllllll must pay. 'IIuo NoIc Helder will dd.aub.. JJq IICW 1_ """ ..... tho chanpd 8I1lOIIlII of my lIlon1hly paymo/ll ill -.mIanc:owllbSc:cllon4oflhisNotc. 4. JN1EI.lEST RAm AND MoNTllLY PAYMENT CIWIGES (A) CIIl......1lo\eo 1ho1__lwilJ~lmlychol>aeOl1thelillltdoyal' OCTOBER, Mll.nsrATE_.IIlIlERATI_.UlIaIl8__IAII'Ul1U8HED IN 'IHl!WAlU'"01!T J_. ......-1v.-__ . llIll\838 - _1120_ ...._IIERlflltS.CIlll'IUMJlI Mf\ J .....1.. .....~ 2000 , and on HZtLD 8124804 .~~ ., ".~~.~ -,~ ',. '" I "-, " , . . BEST COPY th.uioye\'0!7 SlITH .-Ihlhellaller. WlIlate...whiclUlQ'I___............llcd. 'Chan&cDato.' (B)TheJDd... . Ot> e L( . . s...i...... willwlhe III11t 0lIIIp -. "" in=- _ will bo ~ OIl anlDdax. Tho 'Indo' i. !he ..._ or iataboI1toll'.....h....for4l-.a.UoS; Jolt. w' \, '...tod.......lnhLolldoot.\IIIIII=("LI1roR"). aspnb\iabed in Th. WBIIsw.t./oum./, nalllllll_liloIGfiCl!IOlIYIIIIallIo ..oflhofilSl businel&do1 oClhe.monlh illUllOdialcly pICCIldiIqJthe_bwldc:hlheCbaft8joDlllcllOllllllliBcaI1cdlho'OunnlIDdez.' If tho Jndoo< II IX> ~ 1MIiIIIiI.. the NOhI.HoIiIor will _ II ..... ind.. that is basod iIlfonDatiOlL 1baNGleHoldetwlll.......noIiaaOClhlsclmlce. (C)Caleulallaaofc:ll1lDps '. . lWanJeuhCualpDok,IboNaleBoldotwIDeaI!laIaIe",,_lIIrmastllilcby addiJl& FIVE & .41100THS . ~poInt(s)( INlox. The NoIe HoIdor wiD ..... 1IlII!III'" .....1 of Ihls addillon 10 Ihc: .......1 0IIHi (11.l2S!l). SUbject totbolilllllllstatedlnSeodoll4(1l)boIow, thlsllllllldod IIIDOIlhl will bo OIqcDalo. naNolelJolderwllllhcftdolilmlDo...._talillolllalllhlyl'"l'!"llId thatWODldbosutTlcient 10 repay thellll,.;d prIJllripallllatI _lOqICOIOCIllI....atlhoOllapl)Dialbll......MIlurity Daleat ID;Ynew In_ mho in substantially CqaaI pIIJ'IIlGIll$.The.....tofthlscoftoollllonwlllbolho............lal...)'l\llllIIhIypaymollL (D)LiIIIi"OIt~""C/II"po 1be1__lammqulredlllpaJollhofiIllt0l_DIIoWllllllltbo8""'l8'dlan 11.951100 !l or 1....- 8.91000 1I.11u:rooftot.1I\Y'-IIIl.win_beincreascdor......r Jon 1IIIf...Io~DalDby_lhan ONE _.......pGiJll(I)( 1._0 .)flamlhe-ofln_lhaveboonpayl...lilrlhoplOCcdinll III lIIClIIIhs.My"-t_.iU_bo.......1han IU51100 !l." "Nor__ 8,9liIOll Ii. . (B) BtfecIIWllllteatC:llaqls MyIlCW iDIIlIoaI_ will lleoaIuolrecdfeOltIlCh aum,.Date.1 Wl11 pny Ihc_of my new monthly plY...llt be&lnni...... tho lital -.ddy plJIIIIIIl'" aItot Ihe Cluae Date until lito _ of lftyl11alllhly \lI-)'lI\OI\lclwnSOS "laID. (P)NolIceofCMqes . .'tboNDleBllldol'wIIl dollvet....ntumaanDllceoflll)'.........lnlll)'''-t_..d IhelllJ!Cllllloflll7l11a1l1b1y ~ bc:Ibre tbo.cII'eoIhe_olq..... 'IlIonotiaewlUlnol"".InrOlllllllion reqailllll by law 10 bo Ii... ... ond obolhe~nD"""ofa~wIIowlU_IIIIf....dllDImayhave1llJiadlnslhenod.... 5. B01lJl.OWD'SltIGaT TO PBEPAY . .. Ihawtbori8blllllllllb~of\lllnoi!lllllllllll1li111ebcfoJclhey...duii. Apaylllllldofpt!nt:ipal onlyislcnoWII" .~'WhIlII"'.pIqIIfIIiillId,IWlnlalllhoNOhIHo!IIerlnwriliDltllatI_dalnsso. I lIIay1llllke ..fD\I~i"'i>_otpa1lUil1 .. ~1.......wllbooIlpoylaa ""l'JIlOIlOl'- cI1arp.'Iho NoIc Bold.. will usealloflllfpnopar-"'aaIuoolho~ofPrii!CljllllholI_IIIIdorIl>ls_If[lIIaIaoapalllal_Mont,1hw<o will bonochqcsihlhodaOdalcsotmy'~PaymonIa""'rhaNoloJfoldor......in wrilinl to thosoclwl.... My pallial ptqIayJlIont IIIIIy __lholllnlllllil of "" lIIOIlIhJy J1&1IDtlIIfS ollor.... nlSt Chqe DaIo following III)' poIIial P.....ymcnl._.""l'IIIIuCtian......llI'!4YpIIlIIaI~lIIIIybcolfsetby..l_ratcih_.. ..AftwtM SIIh........,,.,,.... 6. LOAN CUAIlGES 1f.Iaw, wlUdtqpliolltulhls\ala.lllllwlllchlelSlIl8Ji__cbatp, iSfiIlaIly lnlCplelC<l solhat lhoi_ or oIber JDIIl........ ooIlootcd or to b."'" In COlIIIoCIlon willa thlslooa ......r lhopcrm.illod Illllils,lhen: 0) "YSllcb JOIIIcIlsrpaball bolellacoclbytbo~.b.._. ~~ llI__lItoohatsato IItopoanlllodlim.J~and 01) 111)' .....lIltpl!y con-d Iiom IIID wbidt CIIOOlllIed poma/IlId 11IIII10 wiD be .lOftmdecIlo IIll:. ThoNoto HoJd"lIIll1 ohnoso to "'lhio lOfundhy lOCIaoln8l1topdno/po11.....unclorlhlsNotoorby lIIo1d., aditCl:t Jl8l'IIIIftllo rno.lr 8 lCl\md n:ducts principoJ. ....tcdoelIan wIllbo........r...p&IIiaIlliA.__ ~..... F~ ,..1.,4 .< ", '"' '1!,{:ij~iI':,;,'- ,~ " I ~- c' '.. "'....i";,'~'..~ --~_~",.&1-", . , . . BEST COpy 7.1I01lJlOWER'8 PAlLmm TO PAY /IS IlBQtlI8IlD (A)IAIeCllarpl""'~ IflboNoIDHoIdor_IlOl~~falI....-ofllll'lIIllIlIhIy",,_bjolheendof FIF1EEN 1151 . oolOlldlr.,.IiIlot....dlr.klsdu.,lwUl peyalareo:luqclolheNoleHolclor. 'JhcamDlllllofthc charpwiDbe 1.00000 5ar"y_paymentofpdncipollll1dialcoasl.1 will poyl/rialareohallc pmmpIIybutllllly~OIlcacbllle~ (B)DeIlmIt IfldullOtpeylhet\Jl\_arcacb~pa,maIlOlltbclalaitiodac,1 will beindcCaulL (C)N......arDollwlt IfI_lDcIollmIt,IiIloN""'HaIdor...,"""'.... wdu...nolI.....!ibs1ll6111aliU clobOtpaylhoomduallll1Dlllllbjo. ..... dale,IIIoN....HcIder""'1........"DP\1.........'IIoIflhel\Jll_arprindpollhathasnotbcen pold ondAlI dte ~dllU ......lI11111al8lllllUlll.111.hlolo _ boa! ~ 30daya IiIlotlbo daIo... which Iholllllico i.cIcIlwrt.d ftr _1edIome. (D)NoW......II1NaIe&Jller ~ If,... wllaIl_illdofladl.lhol'lallo1lolderdocanotteqllbo mclo pay immediately in full.. d_bed obove,lheNab>lloIderwillllinhovolhe.lodulOlfIlOlinclollmllal.J_~ (E)l'a,1naoDlafN...B'AlIdct'.Ca*II!lI..... lflboNatoHolclerhunqal1l4.111\lli1I, ,.. '....ll'lDfu1I..-..u.edabove, IhoNaleHoldc<willbavclhericbtlo be pold book by /DO tor all ofitaaaalnnd..,.... ill _.....lhIa N_to lhe_JIOI p.ohibitocl by appIioabIo I.... Tboso""_IhoI.ra.ooralI1pIe.,, 1IIIb\e-..ya'feos. I. CIVING 01' NO'IlCES UIl....appl/oaIlIa/awIOqUilM.dIll'onntmolhed,lIIl'lKIlioedlllltllllSlboJi_Io__lhisNotewlllbogi....by ~IIOtby~ltbJlltal_lIllllIllllllllalIllcP\opotq' AddnaIabovoalot.cIIffomnladchossifI givelhoNotc Holderailolloeolmrcliffctailaddnoos. . U""""IhoNaleHlil!lot..... .cIIft'oaott .........lIIl'natioo1llalnmst bosi....lDlho Note HoIdor under this N<llo will bos\wDbjomoi!ibsllbjofiml....bllil toIboNotaHolilototlhoaddtasllllocllDSecticm3(A)ahovcorat.cIiff....c oddniisifl....a1_.ftlIIia8oldllll__..w-. ,. OBLICATIOICII OF l'I!IlSONII1lNDBR. 'Il1IIlI NOTE Jt_.....-\IC!lIllb.....thlaNate,e.lIl:I!~l.taUyIllllJllllKllllllyob\iplod lobopall aflhoptOlD;.s...... in.rhioN..iIIcIUcliDJ...... .lbolllDlldllelO.:=. ......:n.'IlIlllUnl.. . ........AnypolllOllwhol..~......,.. or_oflhJ. Notais_obIIpIcdlodDdIoall ,. ........ I\Yli", wbDlIIIIcs over.......~lndudinglheobllgallanooh ~.&\DliYar.......clI~Nci""'lsillOClbIl,pIodlobopallorlbo~...madcln rhio H_ lb. NoteHoldcr maycnfoteo IIlId.......,dila\il~qlI\i!itlioolipiimaindlvIduaJIyoropillalallar..loplher. Thio......thaleny one ollllllll)'boNqllilalIoJl&1a11cl1lho-""OW*IlIIIderlhisNo/c. 10. WAl\IBBS 11IIII8liY olhorpolOllll wbohas ~llIIlIer Ihls Nole walw lhe rish'" of pIOlIIIlIlD<nl and noIicc of dishonor. ."'*"-"_dttedahtlO....."'IhoNoIOllaldertodomaadpoYJlllllltotllOOlllllllcluo. .Nodceafclishonor'...... lhellJlttlolllljUi"'IhoNoleBalderlo~lIIIIlcotoolbor.........dIIIl_duebavcnolbc:cn poId. lL 1JNDOIM SBCVJlED NOTE lbIsNotaIa.IllIifI/l!ll\noll......,..4'1ViddllDllOllwriallonsln_jurllllicli..... !hlllclidDIIlo Iho proIeclicmssivcn to IhoNalB.HolcIorandu IhisNote,aMl:>l&.... bood af'l:taot at SeourilJ bood (lhe "Sccurily'lllslrwnolll'),datocllhosame dalc.IhlsNoIe,pIIlla:laIhoNotallddit;1'!IIIIl_bIilllllOi:olhalllllJhln:saltiflclonolkeeplho poomi_ thotl bUIke in IhIs NoIc. 1ba1 ~ ~~\oW ond IlIlder whal oOIuIitIOIIII may bo .tocIlo ..01<0 illUllelfiDlc poytllOIIliDfa]lafall_l.....underlhlaNolc.lIoo>>af......ooncIIllcmsamclcsarlbod..rolJo..s: ~.... .....,... ~4 -; -I' '-~--. " . '~-. ~~:.~-: . . S'EST COpy TI'IIIlII'trotIlleJ1roJlerliror....eIIeIoI~1D JIuI....... Uollorony porlotthel'lapellyor ...,. ~ In II 10 sold <It IIWfarocI (or if. baloIldaI ......'" "!I._I.sold or I.w..c...,...! ODd -1o....IIOIma/JIOIUI)w/IlIaolLeador'.pdorwdllal-.LenderlllOy.OIltsopUcn. rcqulre '~"'lII1lotoll_""""'bydilo-'IyI'nolru-.t.B_,lIdaopci...ohaIl no. be.........clby Lendcrit__lIpt01dhlllrlbjl WaalIaw.. otrhodl1e otlbi. S..,;ty Instrument. Lender.... obdIbOl......tIIioCl(lllao./f: (o)1IartDwer_to be_to Leadcrl_ t'elpIilecI byLeadcrto...-.../ojoodocl.... '.....If&.-...... -heIna _10 lhet.....c.....; ami (b)Londor-"'11 U1"'tWLcIMlot'aaocurltywllllll!lbei1llpl/tal by rholllllftllllSl>lllpli... amllIW rho Ifsk of allnoeh of 11I7 _ or ~ lit IIda SeolII/ty _lsllCCepl&ble 10 LoIuIer. To rho _1*'IIilled by _""'0 law. Lender ... ohorge '" leIIIlIIlIbIe fee II a condil;OIlIO LeIaIor'o _III rho '- ~m. Laufer oIso mq require the lIInSfoIa: to. lIl.....mplion .-llllll ia II ~l III Lender IIIlIlholobllptoo Iho ~ III"" a1llheptllllll_ ami ...............aielIollllho 'aadlIlIldaSeeulllJIl"', ... _w1Ueantiaue..,bcoblipledundct rho_amllIda~II'-" ,', A__LtIIdot......_lItwlltlns. ICLeadR.......... lhaopl/allID IlllJIIko iaunodieIoJlllPlOllt in 1Id1.1..aIdor...11 Po Bottowet noIieeotlllllllllllllllllllt. -n.......lpmu/dll.pciIod'oflllllleosthlin30dayo Ilomlhodolethonotice I. deIivemd or maIlod w/lhIa wIIIcll Bclnai"OlIllUll pay aII_ ......... by IIda S-nly '...ru....L U _filII..,,., ....._psl..1o "".,pll.a... ofll1lopeoiool, LIIldor may ilm>Io> In)' _odi.. permilledbylhlo~Y~w1l1x1ulfatlhornali..or&l-.llllJ_. . ...~..- tL ~i/Ij (SeAl) -- (SOIl) --, (StIl) -- pA'f101HI!_OF ~ --- Wl1ttOUT~ SOlH'ce One Ma~.""'. Services CulJllllllllm>. ~,...... . --- ..... ........ Fenn 3BZO 1"4 11 ~~ . . " ~~ .'" ~""''''',; . . BEST COpy ~- -~ -"''^' .....""" ~ U'lt I"UtIlH.ll; tlH" p.02"Q2 NOTII PIlBPA'YMBNT PIlNALTY ADDZNDtJM: I.-Noj -. ""'"' 1lPI..... n. ,.. ~_ERl...-.. -"AUlBIlIICIIMlIl."~~i.:...;.o......~_oIooU'" JI--- I (JIIIIo............ _it..... _..._ 1hIt!llllllfa~. _~., -......-""'11""10.........,,_.....:. . ......~~.....-.... ""_......._-Iallld~..i_. .....Doid"'Taoii;-..a.,lIal -~""""""""...............o......._ 'IIlIr_........................"'..._--...__......_,'. ....'" .. .. IIlMI8A8r "'ICI' CUINIATllII f'I<ouIar'). -.......,.'.RIllIrr:ro_AYJl_...1'llWlwr: '......IlIIo..__"'!'rindPoI..IlI)'..................... A __., poIIloIpd.....Ia-.................-.I_._lwIlI...IIhoIlolio_r.. "'!fdOi....I.."""'...nalloiO.............."'..,,...,.,.,.,..._..._'" ,..""poIdIlU_illdllrlllloNifo,IrI_.JoiaIoI___wIlI.............,.... ..._.,..,->>r_-...-......._r..wri""".._~ on. (1) "1.......lI!!!._"'~_.,........,..,'-.I........ ""...._ _..~"'no.~.....lw1l1P11Iho11..Ia.._........(O)_ -."=~Ilao ..,. '-_{~ _ i==.=~.:...~f!S=:-~':f:~liii;;~. - IlaIo - DoID - JtNIl_ ..... 3IJl4i 100It5It.~ TO':'te. P.t':z ~.." -- ~ 'lI" -'. 1nb ~ 10' ;};AA-1~ 13ft 1~-t.. - ~ T31(~ 1'1 ~&t'.J<r . . f {1-<"""?J 3~ ,,1J :33/:'7 PREIIAREOB1: HAR'fANNBARICH IIHEHAECORDEDf\l:TURNIO: SOURCE ONE MORTGAGf,SERVrCES COnPOAATION 21555 FARMINGTON ROAD FARMINGTON HILLS, HI 48334-3314 REsro.e:NTlAL POST CLOSING (31-002l "::,; :',:,:;!!:f, ': ,. " '} " :J E ~: D S ,,; :.:\!.':'ID COU!iTi'-i',\ '98 OCT 1 PI'l 2 'i2 Pared Number::] 0 - J..) - l~' .'::.~ (, J - J L,/ ! (SpaceAblWtThia LiDe For Recording DalRI MORTGAGE TInS MORTGAGE ("SecutitvInstnUnenr') is given on HICHAEL E CHAMBERS AND L'l'NN K CBAMBERS. HUS~ANO AND WIFE SEPTEHBER2STH, lOgS . 'nH~ mortgagor is (NBorrower"). This Security Instrument is given to SOURCEONEMORTGAGESERVICESCO/9PORArlON whicl\iSQfglU1i.1MiandcxislingundcrU\clll.wsof D[LMI~!\E .11m\ whose address b:.21555 FARMINGTON ROAQ FARMINGTON HILLS. Hr 48:134":lJI4 (MLender"). Borrower owes Lender !.he ptincipnl sum of SEVENTY-THAEETHOUSANDANONOIIOO Dolhus(O'.S. $ 73.000.00 ). Thisdcbti.s~denced by Borrower's note daled the SIl.rnc da.lcas this Secur1ty It1IStrurnent C"'NotcM), which provides for monthly pay~ts, wilh the -Cull debt, if not paid earlier, due and payable on OCTOBER 1 S1. 202B . This Security Instrument secUtes to Lender: (a) the repayment of U\C dchl evidenc~ by !he Note, with interest.. and all renewals, extensions ami modifiClluom or the Not<;\, (b) the payment or ;dl other sumll, with interest, advlUlCed under paragmph 7 to protect the security of this Security In,o;.lrutncnt; Md (e) lhe performaru:e of BOlTowet's covenants and II.sreements under this Security Instrument and lhe Nole, Por thi~ purpas:e, Borrower does hereby tn(Irtgage. gtant and convey to u."nd~[ the foHowing described ~roflCrty \(lCnJed III CUHBERLANO TREASURER COW1Cy, PCnllsylv~niil; SEE ATT ACH~(] LEGAL DESCRIPTION whichhastheaddres.sof 223 S YORK sr, HECHANJCSBURS PennsylvlUtia 17055-8303 (MPto~tty Addt<UM)i (Zip Code] ~:~~~!:::::~,:::&i;;l:J!~m~11~IIf~mi~ijllmll~IlII~111I1 Bood48lJIAGE \931 [SllCt;t, City!. I~m~ 1~ll~lijlllllllll~ IIII "A,.-,I ,-~~- Ol>i~~="' -- , ~' TOGETHER WIm all the ilnptovemen~ now or hereafter erected 011 Ihe IHO!lCrty, find 1I1l ellsemclll.>, nppurtenanccs, and fixturtl5 n(IW or hereafter a part of the I'lroperty. All rerlacemc:tll.s and additions shall nlw be coV'ctcd by this SttUrity ln5tromenl. A.l of the fore~oing is teferted \0 In this Sccunl)' Instrument I\S the "Property:' BORROWER COVENANTS that Borrower is lawfully sdsed of llle t.Sla1e hereby conveyed nnd 1m.,> th,~ right lu mortgAge, gtMl and,convey Ihe Property and that the Property is unencumbered, except for cncumbtnnce:'l of jT1.:ord. Borrower warrants and will dcft::nd gettcraJly the tltle to the Property against all claims find dematld~, snhjcct 10 My encumbrances of record. TIllS SECURITY INSTR.UMENT combines uniform coveMOts (ot nf1Uol\lll u/w and {\otHuliform (;nvt:!I<.ults wilh limited vari.a.t.ions by Jurisdiction to constitute a unifonn socurity ihStmment covering reull?roperty. UNIFORM COVENANTS. Bottower and Lender covenant and agree as [ollows: 1. 'Paymcu.t of l"rin~tpBl {\I\d Interest. Pt'epaym.enl and 1..ate Chat'i,ts. Bmrowcr sh'i\\\ rrOlllPtly pny whcn rhle the principal orand intcre:start the debt evidenced by theNatcMd My prepayment and JOlecharges d\lC l\Ju.lct thr. Nolc, 2. Fuod6 tor Taxes and Insurance. Subject to applicable law or 10 a written waivc~ by Lend!:!', Ilol'TOwcr :;hull f13}' to Lender on tho day montW~' payments arc doc under the Note, until the Note is paid Ifl full, n slim rr-:unr1.~~) for; {;l} yeatly tllXes and asse&smen~ ,which may attain priority over this Security Instrument as a lien on the Propc11Y; (h) yearly 1en..'Whold payments or ground rents on lhcPtoperty. if any: (c) yearly hazard or property insllrance premiulll.!l; (d) yeatly flood insuram:e prcmiwns, if IIny; (e) yearly mortgage insurance premiums, if any; and (0 any sums payable by 80rwwct to Lender, in accordance WWl the provisions of paragmph 8, in lieu of the payment of mortgage insutnnce premiums. These items are called "Escrow Hems," I..endet may, at81ly time, collect and hold Funds. lnlU\am()l..\!\l not \0 C1.<<'JW the maximum amount a lendet f'lt 4 fcdetally relatc:d mortgage loan may require for Borrower's escrow IIi;Cl'lllnlllnclcr the fedetal Real Estate SetllerncrltProccduft$ Act of 1974 as amended from time (0 time, 12 U,S.C. SCl:lian 2601 o( Sflq. ("RnSPA~), unless another law \hat appUts 1.0 \he Ful1dssel:l a lasser nmount.lf SO, LenDDt may, IItlUlY lime, co\lcc:t nm\ hold Funds in an amount not 10 ellcced the lesser amount, Lender may estimate the amounl ofPnnds due on !Ill: h8.'li.~ or currcnt data and reasonable e:ltimates of expenditures of future Escrow Items or otllerwise in Mcordance wilh uppl ic.,b),~ Jaw. Thc Funds shaH he held in an instiwtion wh08e deposits Ill'O insured by l\ fcdcralagcl1cy, instnrl/lcl1fIlJilY, or enlify (including Lender, jf Lender ,is suehan institution) or in any PedemJ Home; Loon Dank. l...cndetshall npllly the Pllll,l'i lu PRY tho Es~row Items. LencLn may not charge Borrower for holding and applying the Pund:;, annually annly:r.ilrg fhr: escrow account, 01; verifying the Escrow ltelnS, unless Lender pays Borrowet interest on the FlIml.. atld ~rplicablc law penniU\ Lern:le.r to tl\Ske s\li:h \\ c.lmrge, How~vct. l..eMer mllY requ\te BotTowet to t>ay II ooe.lime e.b1~Tr..e fot lln independent real ctilAtc tax re.porting se.rvi13e used by Lender In connection with this 10M, \lnles,.'; applicahle lnw flrovid(~~ otherwise, Unless an agreemclnt is mAlle ot applicable law requires interesllo he paid, Lender 5h:>.1I nnt be rnl\1i tl:ll {n r;ty BotTower nny interest otcsttingll on the Funds. Borrower nnel Lender mny agree in wriling, howlwer, thai illlert'.<.;!.s}wll be paid on lite Punds. Lender shall give to Borrower, without charge, IUl annual accounting of the Punds, showing crcl.lil:; lIItd debits to the Funds and the purpose (ot which each debit to the Funds wos made. The Fundsate pledged as addit.i(l!la\ security fat all SlltnS5eCUrcd hy this Security Instrument. If the Funds held by Lender execW the antOunl5 permitted to be held by appliCilble law, Lender ...hull aCCOllnl, 10 Bonowet for theexct:6& Func\sin aecmdance with the requhd"llenls of llPplicnble laW, If the amount of the i'llnn'ihc1d hy Lender a! any time is notsufiicient to pay the Escrow Items when due, Lender may so nolify Borrower in writing, and, in stich case Borrower shall pa;f fo Lender the amount necessary to make up the deficiency. Borrowct shnll make up Ihr. deficiency in no more than t\I'clvc monthly payments, III Lender's sole discretion. Upon payment In full of all sums secured by this Seeutit)' In.slrumcnl, Lender 5hall ptomptly refund to narrower rmy Funds held by Lender. If~ undet paragraph 21, Lalder shall acquire or sett the Proj1erty, Lender, priot \0 the ILCqub.itton or sale of the Property, shall ap-ply My Punds held by Lender at the Ume oflll,lquisition or sale a.";'l crr.dil lIgai,r$! lhr, SUtfl.'> .secured by this Securily In.strl1ment. 3. AppUcaUon of Pa)'lD.ents. Unless applicable law provides otherwise, ullr>aymenls received hy Lender Hwlcr pumgraphs 1 and 2 shall be .pplied: first, 10 any prepayment ehllfges due under the Note; second, (0 amount... paynllh~ under paragraph 2; third. to illterest due; fourth, 10 principal ducj and lastt to nny late chatges due under th.: Note. 4. Charlt8; Liea&. BOrrower shall pay all taxes, assasmcnts, charges. fines and impositions aUrihutllblc to 111r. Property which may attain priority over this Scburity Instrument, and leasehold payments or ground renLo;, if 1my. Borrowet shalt pay these obltgations in the 1tIant'\Ct tltoyiGed in tllltagrapn 1, at if not \,ul.td i.n that tmmner, Borrowet s\w,l1 pay them on time directly to ':he person owed paymetlt. Borrower shall promptly fumi!ih to Lender allllotice... or llmOllr\fs to be paid under this paragraph. If Bottower makel'l these payments directly, 8ottower shall promptly fumi!!h to Lender receipts evidcru::lng !:he. paytn cots. Borrower shall promptly discharge any lien whieh has priorily over this Security Insf.mmenl unlc..<;$ BOrTowet: (n) agrees in writing to the tJayment of the obligation secured by the lien i!lll. mAnner acceptable to tender: (b) COfl!Llstt. in good faith the. lien by, or defends against enfotoemettt of the lien in, legal proceedings which in the Lender'!! opinion opctllte to rrevcnt the cnfar~mcnt of the lien: or (e) secures from the holder of the lien all agtr.cment satisfaclOl")' 10 Lender subordinating the lien to !his Security Instrument. If Lender detennincslhat any pad of lhl: [If01'letty i$ S'.lhjeel 10 a lien which may attain priority over this Security InstnJmcnl, Lender may give Borrower a notice identifying the lie~. Bottawer sha./l satisfy the lien or take one or marc of the actions set forth Ilbove within 10 day,.; of the Jlivitlg (If tlohce. _.fIHfPAlII~rcl FC!rm30::l1. r"go Inl~lt.N::. ;/I!-(. P...2~11 BODK!48GPAGE i.932 .-J '.,/;_.~Mf"',"' I, 1= .," ~."" S. Hazard or Property :tnsurance, Borrower shall keep the improvements now existing or herctUter erected on 111e Property insured against loslJ by fire, hazards Included wiUlin the lenn "oxtended coverage" llI\d WIY other hlt:l.1lcd:., including floods ot nooding, l:or which l..cndet requires it1suratu:e. This insurance shall be maintnined in the ammmLos WId [or thepetiods that Lendct I'dluires. TIle Insurance carrier providing thcin.sUfiUleeshnJJ be eho..'lCII Ly HOfTf/Wet subject 10 Lender's. approval whieh shalt not be ~nahly withl\eld.lf BOffQwct fails to mBinwn \Alvct(\ge dC;f.Ctibcd nbo\l~. Lender may, at Lender's opti')n, obtain coverage to protect Lend!:t's rights in the Propeny in uC(:ordanee With I-'aragr-dph 7. All Insurance policlcs a~d t'Cncwals shall be acccpLablo to Lender and shall include II stnndattl mortcn~c cJalJlic. Lender shall have the right to hold the policies and renewals, IfLcnder requires, Eorrower shall promptly cive to Lcndr.l all r<<eipls of paid pretniutlls and retJcwal notiees.. In U\C e.vent of toss, Bottower shall give promp( t\olicc Lu lh,' il1SU1'8t\Ce camer and Lender. Lender mJlY malcc proof of 10S3 ifnot maul" promptly by BortQwer. Unl<::5S Umdcr and Bortl)wct otherwise agree in writing, Insurarwe proceeds shn.ll be. applied In tl:Slotallol\ or repllir of the Property c1amaged, If the rr:stomtion or repair is economit;;ally feasible and Lender's sccurity is lloI1c.sscned. If Ihl~ restoration or rc:pair is not c(:lmornically feasible or Lender's SC<.1urity would be Iess;elled, the iOSUtnllCC prcx:CClls shall he- appUed to Ule munssecuted by this. Security Instrument, whether or nol then due, wilh an)' exce&\ paid to BOtT';,}wct. II' Borrower abandons the :Prop.,rty/ or does not answer within 30 days a notice from U:tJder lhat the insLlmnce currier 1);ls offered to settle a claim, lhen Lender may collect the insumnc::e proceeds, Lender may use the proceed.... tn repair l'l restort:: IhcPropcrty or 10 pay SlUIlSsccutcd by Uus Sc.curity InstNment, whether or not then duc;. .nIe 30.d,IY f}Criod will begin when thc>notioc is given, Unless Lender 9tId BOt(l)wer otherwiliC tlgrl:l: in writing, any nppUcll1ton of proceeds to princiilll,l shull nol ClllCOO '" postpone the dUe date of the monthly payments rcferred to in paragmphs 1 and 2 or ehlUlge the .amounL (If tllC p.1ymcnl,:;;. Ii" Wlderpangraph 21 thePcop<dy i.sacqulted by Lender, Borrower's nght 10 any insurance policies nod proc(Z(l~ re~l1ltin!! from damage to \he Pto~.l' prior to U1C IlG:qulsition ~ha11 p!lSS to Lender 10 the extcnt of Ole sums secured by llli~ Security Instrument inunCdiately prior to thee.equiliition. 6. OccupallCY, PresI!!M'atloh, Mill.ntch1l:nee And Protection nr the Property; Borrower's Llllm ApvlicllUOIl; Leasebolds, Borrower shall.)Ceupy, establish, and use the Property 85 Borrowet's principal tcsidcnee wilhin sixty day,~ aner the execulion of this':~ecurity lnsln:unenland shall continue to occupy the. Property liS Borrower's prindrnl teSidcnce for at 1casl one yeal: after the date of oc:r;upancy, unless Lender otherwise agrees in wtilins, which consenl ~h"l) not be unrcasorulhly withheld, or unless extenuating circumstances exist which ate beyond Borrower's COl1lrol. [JotWWcr shaH not destroy, damage Ol impait the Property, allow the Property to deteriorate, at commit Wl\Slc 0\\ the l'T()re-tty. Bonower shalt bo in default if any forfeihtte action Ot proceeding, whether civil or criminal, is begun that ill Lcl1r.1er'.~ good faith judgment could lesult in forfeiture of the Property or otherwise materially impnir the !leu crr.nltxl oy thi~ Security Jnstnunct'll or Lender's security interest. Borrower may cute :;uch n ddault 1I1ld reinstall.:, us pl'OvidcrJ ill pll.tu.graph 18, by causing ;be action or proceeding 10 be dismissed wilh 1\ mling lhal, in Lender's g(}(}(! (lIilh detennii1atlon, prec.tudes. rorfeitul.'C of the Borrowet's lnletcs.t in lhe Ptoperty or ~Uter matenR.! itn\1...itlnl'.l"ll of the liell croatcd by this Security Instrument or Lender's security intcre:st Borrower shall also be in defaull if Borrower, during tIll; loan ll,pplical.ion t'roc:css, ga'/e 'niue-rially fEUse or inlll:eum/.e infotrmltion Ot stalements to Lender (or flliled to pW\'ldr. Lender wilh any material informAtion) in cOlltlcclion with lhc 10lln evidenced by rhe Note, including, bill not Jilllitolln, roprcsc:nt.ations concerning Elonowet'S occUpllflcy or the Property Il.'i II. princ.ipal residence. If this SCClltlty InSlnlmcnl is on II leasehold, Bot1Owcr stullt coUlt:lly withall thc t'tovislaM of the lease. If Bottowet acqUifes fee Gtlc t\l thc.l'mpetty, the: leasehold and the fee title shall not mcrgc unIe&:1 Lendcr agrees to the merg~r in writing, 7, Protection ot Lend'~r's }lights In the J>roptrty. If BOJTower rails to penonn the cO'lenFlnts i1JH.l11grn:11l1~nl.~ contained in tlUs Security lnstmlncnt, at there is a legal proceeding Owt may signifiCllntly nffect Lender':;; right... in the Property (sUQh AS a proceeding in bankJuptcy, probate, forcondcmnnlion or rorfcitureot to enfotcc law:; or regullltion:;), lhcn Lender mD)' 00 and p&:1 for whatever is. necessary to protect the value of the Property and Lender's riAhl.~ in 1\\1.' Property. Lender's actions may include paying any sums secured by Ii lien whlch has priority over this Sccutit.y In.strnrncnl, at>pcaring in court, tJaying reasonable attorneys' fees and Clntering on the Propt;rty to make repni~. Allholll;h Letlder tnDy take action under this paragraph', LetJder does not hvc to do so. Any amounts dIsbursed by Lc:tJder under lhill paragrnph 7 shall become aJdiliorml debt of Borrower sr.ellred by this Security hlstmment. Un1es! Borrower and lAnde~ agree to other terms of pllyment, ihese amounts :>hllll hem intetc.~t from !he date of dlsbursemc:ntat the Note llllc and shall be payable, with interc::$l, upon notice from Lender to OCltT(lWCT requesUng paymenL 8. Morlz:ap Insurane.t. If Lender rC(juired tnortgllgc inslll'lUlCc lIS a condition of making the 10.1.1\ ~nrcd by !hi~ Security lnsUWncnt, Borrower shall pay the premiutn:J required to mainlain t.he mortgage insurallce in effect. If, for ill1\' reason, the mortgage insunlllee coverage required by Lender lapses or eeases to be in effcct, Eorrowct Iihnlll1ay nil: premiums requited to oblair.l covernge substantially cquiva.lent to the IrlOttgflge insutwlcc previously in effect, III 'I CCl~( subslanliaUy equivalent to the cost to BOrrawer of !he mottgage insutllllCC pteviously in cfr<:cl, l\om BI\ ll.\tcrtli\tC. mortgage insurer approved by Lender. If substantially equivalcnt mortgage insurance coveragc is nOI IIVllilIlOk, Borrowct shall pay to Lendt;r each month a sum equal to onc-tw"lfth of the yearly lflorcgage insurance ptl:lllium being flaM by Borrower when the Insurance coVCrnge lapsed or cca.~ed 10 be in effect. Lender wiJlllcecpt, lIse ond t'Ctuill t1H:,:iC payments as a loss reserv-; in lieu of mortgage insurance. Loss rc:;:Ctvt: paymcnls may llQ longer be reguin:d, \=~'I~HIP,ll.II.41al F<>m\3U~,)Cl ..,.... Yt'C ~...hIO Q,ud4861'''' 1.933 ll:l.. .~'- \!;'......",."""~""N- ~ , ...1 " at the option of Lender, i.f tnl:rtgage \nsumt.ceco\lcmge (in I.~ amount i\110 for the period I.hn.t u\)tlcr TC(}\\ires) provitkll hy IU1 insurer approved by Lender again bocomCtlllvailablcand is obtained. Borrower shall pay the premiums tcq\lircd to fruUntain m.ortgll8cinsurancc in effc<:t, or to provide a 10&6 reserve, until the requi~ment for morlRll.gc irl.~llmnCe cnd~ in aceorOnnce willi any wrinCh.ll8teernent Mtweet1 BotroWet and Lender or applkll.ble law. 9. Iaspeetic)n.,J..t;nde:r or its Agent may make reasonable entries Upoh IInd inspecti0l15 of the Prnr>crty. Lender $h(\11 giv~ BOll'owc:r noticc al Ute time of or prior to e.n inspection specifying reasonable cause for the inspcction, 10. Condem.natlon. Th,~ proceed.'l of any award or claim for ,lamng~. direct or consequentinl, in conru.:cliOI\ will1 nny condemnation or oilier taking of Ilhy part of !he Property, or for convcYal1ce ill lieu of condcll1nlltion, are herehy I\S/iigned and sban be paid tol.ende.r. In the event of a total laking of the Property. tho proceeds shall be applied to the sums secured hy this Sccllrily In~U'Umc"t. whether or not Ibm due, with any excess pald to Borrower. In the event ofn partial taking o[lhe Property ill whieh the fair market value Irt the Property itn.media.tely befote Ute laking i.s equal to at gtea!et thnn lhr. al:!'IOIlt\t of (he StInts secured by this Sec:urit:, Insttllment immediately before the: taking. unlc:;.s Borrower lltid Lcnder orhcrwise oJl.rcc in writihg, the sums secured by this Seeurlly lnslNtnent 5na11 be reduced by th~ o.rornml of the PTOCl:C(I.S n1u\tip\k.:\ by lhe following fraction: (0) the tolai aJnOunt of the sums secuted immediately be(ote the tnking, divided by (h) Ihe (lIir mark",1 value of lhe: Property inunedhucly before the taking, Any balance shaH be paid to Borrower, In Jhc cv(,nl of II ]lIlTlial tn.kinS of the Property in which the fair rnatket vfllue oC the Property {mmedialely befote; the laking is lcss.thM Ute. lItT10unl of tho SUtn.Cl seemM immediately before the taklhJ;. unless Borrower and Lender otherwise llgree in writing nr unless applicable law othel'\1iise ptovldc:s, tho proceecl8 sl1all be applied to Ihe sums scenToo by Ihis S<<:mhy In:<itm1n"c,nl whether or not the sums are then due. Jf the Property is e.bandonr.d by BotTOwet, or if, after nolice by l..ender 10 Dormwcr that th~ cOhdcmnor offen; lo ml\ke ~ e,Wll.ro en: settle.a clatt\\ far damages, Botro.....ct falls. to teSPOM to l....ctIder within 3Q days nflcr the date lht':. notlee is given. Lender 15 Authorizcd to collect andapp!y the proceeds, at its option, either 10 restotation or repn;rflr Ull~ PrC1I1(:rly or 10 thesurns secured 'by thll18ecuritylnstrumenl, whether or not Ihendue. Unlcss: Lender and Bonower otherwise agree in writing, any 8{1pliciltion oC proceeds to principlIl shall nor extolld or poslpone the due date of the monthly payments refcrtt:d to in paragraphs] Met 2 or change the IlmOlml of such payments. 11. Barrmyer,Not Re~e8sed; Forbearnnce By Lender Nolll Waiver. Exlel1sion of the time rot payment 01 modification of amortizatiOIl of the swns secured by this Security Instrument granted by ~l1dcr Jo My :;:ucccs.~or il1 inletestofBortower shall no:ot>etafe to releese the lIability of the original Borrower or Borrower's suecessors in inlctc..~L Lerlder sha.1! not be rcquitc<1 to CDtnmcnce prococdingg ago.lnst any successor in interest or rcClJ.'iC to cxlt.'lld lime f(Or paymenl or otherwise rnodify lUIlortitAtion of the sums f.ecured by this Sccnrily Instnlmenl by rt::l.!lon of MY dCJJlanu made by the original Borro\1'er or Bonowu's successors in Interest Any forbCllmllcc by Lender ill exercising MY right or remedy shllll not be a waiycr or or preclude the; oxe:rcise or nny righl ot romcay. U. SUt:ee8SGr1& and AJsizns Uoul\dl J'a\nt and SeverN Liablt\ly\ Co-s\~erll. The covcMI,lJ'; ';\l1d 1'.I.',r<:cmcIIL'< (,r this S~lirity Instrument shill I bind and benefit th~ successors and assi~ns or Lcnder Ilnd BOl1owcr, :.'Uhjcet l~~ lilt} provisions of PllmBtaph 17. Horrower's covetlants and agreements shall beJolnt and several. Any BOtTower who co-signs this Security Instrument but does nolexecute the Note: (II) is c::o-signing this Security rnstrument only to tnortgllr,e. gtalll end convey that Borrower's interest in the Property under Ule tel'mS of this S~llrity Instrument; (b) is nol perscmnlly ob1igalecllO pay the sums s(!c::ured by this security Instrument; and (e) lIJ;tees \hilt Lender and .my other Borrower mny agree to ex.tend, modify, forbear or make any accommodallons with regarrJlo lllC terms of tlus Security 111.'{tnllllcl1tor the Note wiu,outthat Borrower'll consent. 13. LOMl Charges. If the lOIm seemed by this SQcurlty lnsuuml:t\.t is 5~lbjcct tc \I, law which 5':'.\:; mll.Kiroutn i~l\\l\ charges. and that law is tmally intcrproted so that the interest or other lonn chnrgc:s c:ollected or to he COlll'.elr.cl in conn~llon wilh the lollJt exceed the pennitted limits, then: (a) any such loan c1latJ;C Sllall be reclllectl hy the nmcnml l1.co;essary to reduce lhe charl~e to the pennitted limit, and (b) any sumsaltetlcly eollr-ete<l from Borrower which exceeded perrn.iucd limil$. will be refun.ded to Borrower. Lender may choose to tnake this refund by reducing thc principal owed under the Note or by making a dhccl payment to B()fTCIwet, If It. f1:;fund redu~e::; prit\Ci~al,lh~ teducl\on wm be tto;a\cU >I'" 'I partial t'repayment witholltany prepayment charge under the Note, 14. Notices. Any notlcl~ to Bortower provided for in this Security In,!;tmment shall be given by delivr,rinll it or by mailing it by first cless mai.'!unlc:ss appUcabtc taw requites USl1 of ll.MlMt m.eUmd, The tlOtice sholl be dite(,lted (() {he Property Addtes5 ot any other addl'd3 Borrower designates by notice to Lender. Any notice \0 Lender $hall he Riven by first class rnail 10 under's addre&'f stal:ed herein or any other address Lender designales by notice to l)CllTOWet, AllY notice provided for in this SHc:urity ln5ttul11ent shall be deemed to have been given to Borrower at Lender Whf:ll p,iven il,~ provided in this paragraph, 15. Gove=ninR; La",; St:VtrabnUy. This Security Instt\l.mcnl shall be- go....erned by federal law and the law of 1he jurisdiction in which the Prc.perty is located, In !hecvenl thai any provision or clause of III is Security InstnlrnCf1t m th.: Note conflicts willi applicable low, such conflictshall not affect ather ptovisions of this Security IhSlnlmcnt or tbe Nolc whieh can be given effect without the conl1iettng provision. To lmsc:nd the provisions of this S<<urily Inslrument tIrId the Notcare declarcd.to besevcll1blc:, C\..&HlI'''I,,~\~ f..m<:103D !l/~oJI/... l"l".I~7fC5- ~~.u BMKi4:86~ACE \'93'1 -- ~~~ ''''''''''~'"':''', 16. BorrowEr"s Copy, Eorrower shull be givenoneccnfonned copy of the Nok and of Ihj~ Security ITlSLrutIlC~t. 17. Transfer ctthe Pror3ertyora BeneflclRllnterut In Borrower. Ifllll Ot any part of the l~roperty or any mtcrfc.,;l in it is sold or transferred (or l:~ e. bcnetidnl intctc:'lt in Borrower is said ot ttanSferted Bnd Borrower IS not a nntuml pcrscll1) without Lender's prior written consent, Lender may. at Its option, require immediate payment ih fuJl of nil .'i1J1II~ SCCllft:tl by this Security InstfUtnc.n.t. However, this oplionshall not be exercised by Lender if exercise is prohibitC'.d by federal In\\' as oflhc dale ofthisSecllrity Instrument. If Lcnderexcrcises ibis option, Lender shAll give Borrower notice ofacceletntion. 11,C notice :;IIBll prnvidc 8 lK."tinrl of no I tcs:s thIln 30 day.. from the Gate lhenotieeis delivered or mailed wilhin which Borrower T1l\L'illlny nll.'illms ~;ccun~d by this Security Instrument. U Borrower falls to pny Ihcu: sums prior 10 tile expiraJ.itm of this period, !PIller l1UlY in....oh. BnY tcDledi. pc.nnittcd by: thh lIecMity InstnlDlent wlthoutfurthernodec or demand an Barrower. 18. BotTOwertsltliht 10 Reilnltate. If BottOw~t meets l,lertaln condition!l, Borrowcr :'lhall hnve the right In hn,,<.: enforcement of U\is Security J:nstt'tIDl.cnt dlscOIltiIlued at any time prior Ie U,C c:nrlier of: (n) 5 days (or such other period :.~; applicable law may specify fur reinstatement) before sale of the Property pursIJII.nt 10 o.ny power ()f!lak contAineu in tIll.' Security Instrument; or (b) entry of ajudsmenl enforcing this Sccurity Instrument. TIlOs~ conditions att: 11'Al Borrower: (a) 11tIys Lender all sums whieh then would be due under this Security ltlStmmcnt ancl the Notf: ll.'i if nu nccdr.mtioll hud occurred; (b) cures any default of Iltl)' other eovenants or agreemenl.s; (e) pays all expenses incurred in cnfmclng llllS Security Instrument, indudir180 but not limited to, reIl.!IOt1able attorneys' fC(.Si and (el) takes such uction ;IS l..(~ndcr may reasolUlbly require: to assure that the lict\ of this Security lnslnUnent, Lender's right.s in the Properly a/nl Uorrowcr'~ obligation to pay the sums secured by lhis Security InslTUtncnt shall coolinue unchanged. Upon reinstatement by Boltowcr, this Security Jnstrlltncnt a!ld the obligatiotlS:!iCl:ured hereby 5hnll remain fully effective as ifno ncce!cmtlol1 had ooc:Ul'ttd. However, tlUs light toteinstatc &hall not apply in the case ofnccclcrulioll under pnrugr"'l,h J 7, 19. Sale orNotei Cbanlc otLoan Senic:er. The Note or II partial interest in the Note (together with this Sl;;cutlty Jru;ltumcnt) may be: sold one 01 mare Umes without prior notice to Borrower. A sale mn.y result In n chll1lgc III the: enlity (known as the ~LoaJl Servicer") that coIlcc13 monthly payments clue under the Note and this Security Instnullcnt. 11\,~((~ also may be one or lUore eNltlgcs or the Loan Servieer unrelntcd 10 a sale or the Note. If there is a chll1\gc [If (he l..l.lllll Servicer, BortOwcrwi11 begivcn wriUen notice of the change in accordance with jltlragmllh 14 above Dnd nllPlieable law. The notice will state thenamll-and Address of the new Loan ServicGl' and the address tQ which payments should be lllIlCh:. TIle 110tice will also conuun8;:\y other informationrcqulred by applicable law, 20. Hazardous SubstarlC!es. Borrower shall not cause or permit the ptesence, usc. disposal. storage, (It rek.n.sc of /UIY Ho.zatdous Substances on or in the Property, Borrower shall not do, nor allow anyone else to do. anything lIffcclinlllhc Property that is in violation or any Environmental Law, The ptQ\:eding two sentences shall not apply 10 lhe "t'CSt~Ct~. IL\C, or storage on the Property of small quantities ofHllZlt.tdous SubstMces that arc gcnerolly rCCrJgl1i1,t't! 10 be i\P!lI(ll'ril\h~ t,) noruml te8idcnliat uses and t(1 nw.intennnceofthe Property. Bottawershall promptt;l give Lender written notice of any invcstigation. claim. demand, lawsuil m olher Rctlon by o.ny governmental or regubltory agency or private party involving the Property and any Hn.:r.ardous SubstfUlee or EhvironmenlaI Law oCwhicl1 Borrower has actual knowledge. JfBorrower learns, or is notitied by flny govcOlmcnlnl or regulatory authority, that allY removal or olhet remediation of MY Hazardous Substance affecting the Prop<:rty is necessary, Borrowcrshall prompl1yt.akeallllCCcssary remedial actions in llCeotdance with EtIVlronmentnl J..aw. A!1. used in this plltllgraph 20, ~HlWI.l'dous Substanccs. ate those substances denned as toxic at hll7.Jlfrlolls 1>llbsla.t\r.;I,;," by Envirotunental Law nnd lhe following substances: gasoline. kerosene, other flarntntlbleor toxic \)Clrolc\lm pnxlucls, !.oxic pesticides arid herbicides, volatile solvents. Inaterials eOfllllinlng ll.Sbct;tos ot formnldehydc, and rndlClllclive mD.terials. As used in this paragraph 20, .EnvironmenlalLaw" means federnllaws IIno laws of lhejurisllictioll whclc tlw Properly is located that relate to health. safety or environmental protection. NON.UNlFORM COVENANTS. Bonower and Lender further covenant and agree as r,)llew,~: 21. Acceleration;. Rcmedle.. Lender sit_II give Doliee to Borrower prior to D.eec!etntltln folJowilii! Borrower'8 breach ot an, covell,ant or lllreement in this Security Io&ln:lmcot (bUl oot priOl' 10 Bccelerutillll under par'8.graph 17 unleu appIlCtlbte law provides otherwise). Lender shallltotlfy Borrmvcr oC, f1U1on~ ulher things: (a) the default; (b) the action Rqulrtd to cure the defaultl (c) when the default must be cnredj and (el) that failure to cure the d,~rault 8$ specified may result in acceleration or the slims secured hy Ihls Security Instroment, foreclosure hy judicial proceeding and lIale of the ]lroper1y. Lender shRlI rllrUlcr infol'm Borrower of the right to l'einstate alter accelentlon and the right to lUsert in the tot'llclosure proccedlna: till: non.u.lstence ot a default or MY ather ddense at Borrower to' aci:cleratlon and foreclosure. It th(l defuult Is not cured a8 speelned, Leader, at its option, may require hnmedlrate payment In run of nil SIlIllS s.cclII'c(1 by this Security Instromeat without further demand Bnd may foreclose this Security Instillment by Judicio I proceeding. Lender shaU he entitled to collect all upenscG incurred in pur!uing the remedies Pl'twirllld in this parappb 21, includIng, but not limited to, attorneys' fees Bad COllt! or title evidence to tilt'. ('.xlenl pennillC1r1 by applicable law. .22. Release. Upon paYlnent of all sumss.ecured by litis Secunty lIlStrument, this Security In.strumcnt nnd the cslate conveyed :;hall lermina!e aud become void, After .such ()C(:urrcnee, Lender shall discllargc and satisfy this Se.curily InstrulUent to Borrower. Souower shall pay MY tecordalion cost!!. Lender may churge Barrower a fce for rc.lcu....ing Ihis Security Instrument, but anI:' if the fee is pald to a third pany fer services rcndereU and !.he chargillg of tile fe~ i:s pcrlllillc.d undet applicable law. cG\,-6HIPAltt41tll r.;thU f(>.m.:JQ;l9 9/90 Inj~.I~( aad4BGrAill: 1935 0j -- .-. 13. Wall/en. BOrTowl!t, to the cltlcn,t permitted by apJ'lIlC4ble law, waives l\nd rclea.<;CoS flny error or r!t:(C'.c:I$ in I'lTOCCCllings to enforce this :iccuritylnsmnnent, atLdherehy waives the benefit of My present orflllllrc In........ providing fnt $Iay of exccution, exlcnslon of time, cxomplion from aU.nchment,levy o.n..d .sate, l\tld homeslend ellctflplintl> 24. Reinstatement Pel."lad. BOl1ower's time to reinstate provided in pamgl1lph 18 shall extcud to one hom pdt'l to lhe corrunencetnetlt ofbldding at asherifrs &ale or othersalo purnUlltlt to this Security Instrutm:nt. 25. Pun::hase Moncy Mortgl1Re. If AllY of the debt scoured by this Security [l\sltuTT\~t i!\ k.l\( ((l nnm\w<~\ \<< ncquim Htle to lhePlOpeny, thisScourlty Inst.rumcnlsnall benpurehase Money motlgagc. 26. Interest Rate Ancl: Judgment. Bottower agrees that the interest rote payable after a Judgment il'> clltcrtd 011 Ille Nolo or inalllWlion ofmort[tagc CoreelO$llre l'ihall be the rate payable fram time to titneunder the Nolo. 27. R.iderflo this SeeuritylDtltnunenL Ifonc or morc:: riders arccxceuled by Borrower and recorded together wilh this Security In.strumcnt. the covenants andagtcemcnts of each 5Uch rider shill be incorporated il110 a.nd shnllnmcncl Mil sU[lplcment th~ covenants lI1'1d agtc:Ctncnts of' Jhis Security Instrument as if the ridcr(s) were n {'Inrt of rhis Sccurily Instroment. (Cbeckapplicallle.box(cs)) ~ Adjuswblo Rale Rider B Gtaduatcd Payment Rtder Balloon Rider V.A.Rider ~ Condominium Rider 81-4 Family Rider Planned Unit Development Ride.r Biweekly Pll.ymcnl Riuer Rate Improvement Rider Second Home Rider Olhet(s} [specify} . (Seal) u~ enlltlls contnil1~ ih !hili Security BY SIGNING BELOW. Bonower accepts and agrees 10 the lnsUUtnc.mtand in any rldcr(s) rt.{ecuted by 'aorrowcr and recotd w' Wiltlcssc:6: -nnrrowN (Seal) .80IJOWllI (Senl) .fl~rm",<, Cl.:.rlmC1\t~rRM'denCe II l ,J~ I, -, 0\\~ ~--\. 1 c.. 01\( . r address of I:l within.nllJJU".d IVlOtt8ag~ is :J J 5"5 Q,.).." day of Witness my hand this . do hereby certify rhllt the COtTI.~c{ I=",\G_' "";,",::/101)?..I If-~''''''j'(''1 l-lllls\l1n~'W'I.jlI11 .Y-r"",b,. . 1'7i. I~II ~ c.v(l"'Lf.!.~ {\ 1((., COUllty!!!!: All'nIDrM"r18~8" COMMONWEALTH OFPENNSYLV ANI.... On this, the WH day of SEPTElJSiR &tU~fl'J'~~lW;Wf~CfWJBERS. HUSBOO mJ WIFE 199; . before me, the uhclersigncd known to me: (or satisfactorily proven) 10 be the person, whose name subscribed to the within instrument and acknowledged rhat "",,,Uled the Oim. (o,the PIU1""" "",,,in.Ontalhed. ~ J,UfwrtNB~ - EClP,Ihereuntosetmyhnndandofficilllscal. ,7 '/ \ MuCofui:ri.iss~dn pln:s: NOI - .;-(-<..,4 I...J\ 1.J/~ tr/("";'~ ';':".!tllll1ill:1rs K~flIS~al L/- I / I{,-,/,., ""."~.'l"0,':" ,> ~mr:!Hj. ..' U! ,N Pub ' f. ,I'" ,-..' ,My"obiiJn, nandCau "~/,;,'! /. /,~ I ::; :MaIJlba~ p " -'. Sept 11, ...1," '.'< I'! ."': :, .', ' fmll~VI", """"ssoCfaIOQoIN .,r',' ,~';;:' :, ,...)~? ',Y" .-fiHIPA 1!_i,i~I,:',~t' . 'J ~. JI,\' "'," .~. . fA' It of9mlKliol S. Kuhns. NoIart Public camp Hlll8oro, Cumberl,tnd cou~ "'pe.le MyC<immiesiDnE::t.Pi~.:..-~ Mu't14.B6 fAGE ,P<al\ll.~~(~Mia AA511r.i~lilln lIf Nll\llm.>s flnnn30J9 9/!lO -- ,~ ,~ w il!iI-"i1.i'4.-1~;&;j", First American Title Insurance Company Commitment No. 703578 SCHEDULE C ~~~b~:~~nJE~~~~~y ~o ~e~~a~t:;~i~; g~~~~:d s~~da ~:~~~l ~:dh:~~~~~D;: ~~r~u~~; vey dated December 18, 1972 by Get'rit J. Iletz:, Registered Surveyor, 85 follows, to wit: BEGINNING at"" a point on the .Easterly ri3ht~of-way line of South Yorlc Street (60 feet wide) at a p,k. being the Northwest corner of Lot No. 20 and being measured Northwardly along the Ea~terly risht-of-W8Y line of said South Yorle Street, 90.00 feet from the center line of Yest Keller Street; thence extlluding from said BEGINNING point along said South York Street. North 20 degrees 110, minUtes West j1.0 feet co a drill hole, 8 corner of lam.ls now Or late of Rae N. Kost; thence utending along lands of !Cost, North 69 degrees no minutes East, 165;0 feet to a hub on the Westerly side of a 20 !eet wide alley; enl!.l'ot.e along said alley South 20 degC60S 40 minutes East, 32.0 feet to a hubl thence extending along lands now or late of ^lbert Brubaker and Carl L. Rynard South 69 degrees 20 minutes West 165.0 feet to the aforementioned point end place of BEGINNING. BEING known end deS11lnated as !louse No, 223 South York Street. ",_",:~,;,:,_"'..:,..,'~ .;..:.'.:,.... ~~I.,;',....(.. :/'.0..."':..: .;~.:!.~. 'H'Ui- r.. ',. . '.' c:.:.),~:~)~JL "it~,jo \l '/j'- . . . :.\"': I' ~ :; .,' ~ ~/b~~ ':~"'i,';- ,,~'r .. ~(;c. '}: ,':/~'" ~~r::~'.,~:::it';r '. ,~. ;:"':.."", . ;~~:;:':~"~:!;~~~~I~II~;i:~~~~~l} DB . .." . f!'.;'.'Ii"/::'(! ill the i'):fj~l;1 for till! recordmg of DG,.J~ ';'L~"'kl<1/"'''''-Cm'''lY.i';y, I III IfLl,fp'Jo'/'1-4W,\lol _f'<1(W_ v oI\,,,(jn1\' hnn.j nlld 'f 'I 01 offICe I C,I'ISI,r/\\lIIS_(~davof 19ff 800>1486 PAG, L937 . ',-."'flstordh'r :l -~F 7nO!l55!ll-~ ADJUSTABLE RATE RIDER (LmOR6 Month lndez (AI Publ{shod In The WRit Stt"Cet JounUI.J) . RD./e CIl.[l/;) nrrSADJUSTABLERATERJPERiHtn.a.dclhis 25TH dAYO( SEf'T().lOER , 1911B ,tUld is incorportttod u,to D.l1d &hnJJ be dr:cmcd 10 amend nnd supplement the Mottgllo!:l.':, Deed o( Trust or Security Peed (the ~Se<lurity Instrument") o! the $llttI.C dntc given by tl1e undersigned (Ihe "Bofttlwer") toscc:uru EortowCJ"'S AdjUlltnhleRnteNDtc (the ~Note") to S(lljl\C.E aKE K!J!\!GMiE SERV[CES CCRPOMWlt<, ~ UEUiU.RE COf\PQl'.I.lIOl>l (tIle "L::n&r'") of thc&J1mC dnte I111d covering the Property d=ribcd in the Securlly flJ3lruUlcn! llflJ locllkd ." 223SYORXSr HECHAlHCSIlUnll. PA 171J55~6JIJJ PO""l'fR)'''''d_J THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THt; INTEREST RATE AND THE MONTHt.Y PAYMENT. THE NOTE UMITS THE AMOUNT THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXJMUM RATE THE BORROWER MUST PAY. ADDITIONAL COVENANTS. lit addldoh to the COVCIJaJIIS llnd JlS't~lnc-ms made in lh~ ,'\('..(:lJrily Instrume:nt,.Bonowe/' and LcIlder furthercovUlIUltAtld agree as follows: A. IN'TERESTRA'rEANDMONTIILVPAYMENTCHANGES TheNCllepro\lid~roraninitlD1intcn:stru1eOr a,S!iOOO 10>. T1le Note prnvjek."'i fur clUlllBcs in the int~';tlliean13tbetnOntlui pnytnel.tU,u fo\low~: 4. INTERESTRAt'EANDMONTIn..VPAYMENTCRANGES (A) ChaolIcDaleJ: Thelnter(:Stnl.t.cdwillpllymayc:.hangeonthc:.firstdayof OCrOnE'A, 2(01). Md on lha1daycvcty Sixth monththcreaftcr.BachcWconwhic:.ltrnyj!lte~ttnLecouldehangt:i!'ic:.nllc:.Q1\ -C!tll.JlgC Do1e.~ (B) TheIndcz: :aC,innihj; with !:he fltst Chan~e Date. 1:ny interesl role will be bnsed Ph Ilh lnc.lc}l., TIle "'1ntIC)l:"' ):5 the nvcmg.c 'Of l.nt~bIutk offctW mte6 {ot tS month U,S. dol\at-dd\ominl\\t:d deposils in Ihe Londtm mnri';el ("'LU30R"'), &!! pubHllhcd in T11~ Wall Strut Journ4l The most t~ !rtdel<. figure n....oll<ililc Il.S (If llv,: (1rnl btWncss day of the n: onlh lmmedlAtely pt'CCcding the_ month in wltlch tne CllMgc Dllle occurs is called lhc -CurtentIndcx. " If the Index is :10 lonllcr AVAilable, the Noto Holder will eJ10QSO II ncw Index t.l1aJ is based upon comparable infonna:tion, nleNoteHolder wilt give me notice o[this choice. (C) CGlculatlono!Chllnat. 'Ber"reeach ChallgeDatc, theNoteHolderwi\l calculale my new interest rate by lldding FIVE 10 U/lflOTHS pettclillltlc~1.nt(s)( !U~OIlO %) MULT1ITATE AOJUITA8U' RATE mOER. U801l I MOUTH tNOEll: f.A1 PUJ;U6HEO IN THE WALl. smEET JOURNALI, Sinlll.F.mily.F.nni.M..Unrl........rnol........nt Fc",n313""/g~ _'UIII'I ~_J Po._l.rt ......P~GM:I~..l*OCIUI"~lr rnJU.J~ 36.f09 70095S91~3 NlllJo 1111~lmlmllllllllllll~11111111111111111 ~llllIIllmlmllllllllillllllll 1111111I Bo,~1486NCE 1938 ~ c " - - " ~ ^' ~ "~____fl to the Cuttcnllndc", The NotcHoldcrwiIJ then toWld the msuUofth.is addition to thcnenrcst ollercighUl of one percentage point(O.12S"). Subject lo the IihuLssl.atcd in Scclion4(D) below, this rounded Altmun! will hem}' new interest raI.c unl.illhencxlChanlc Date. Tho Nole Holder willlhcn dctmnine thc'lUJ\ount oJ the moolhJy payment t11al. would be sufficient L(1 tepa)' \he \lfIpai.d principal. thl\l..l z.tn C:ltpecl.ed to-owe at !.he Change Dble. in full on the Mtol.\Uity Dnle at my new interest :atcin6ubslantially equal payments. The resullor Uris calculation will be lhe new n.rnounl or my monthlypsyrw:nt. (0) Limits onlnlerest Rate Changed ThelnleteStratoIl\rntcqulted IopayatthefirslChangeDlll.ewiJl not be grea.ter thlltl 11,95000 % orless than 6.95000 %. Thereafter, my Intercslratc will never be increased or dccrca~d Oil anysinglcChangcDalcby.tnorethllh ONE pen:entagepoint(&)( LOOOOl) %) ftotn the rele of intctesl I have bccll lJayitlg fut the preced.ing--!!.L months. My int.crest rate will never be greuter than 14.1I5nrln %..... ....Nor lc.$" thah 8.95000 %. (E) ErreeUYt DateofChfllllle5 My hew interest rate will become effective on each Chango Date::. I will pny the nmonnt of my new monthly payment beginning O!l the firnl. monlhly payment dDte aftet Ule ClllltJge Date until the I1mounl of my mont!!!Y p'syrnenlehlihges agaln, (F)NoticeotChanges . -. The. Note Hold" will deliver or ltUlil to!nC anouce of Ilfiy cltn.hges in mr InlcfCSl tnl.c Ilhu the umounl of mymonlhly payment before thedfcctive date orany change. Thcnotiee willlOclucle infortnnlion rct:juircd by law to be given me. and also the telephone numbet of lL ~tson who will answe[ any question I may nlt\(c regnrdingthenotiee. B. TRANSFER OFTBEPROPERTl' ORABENEF1CIALINTERESTIN BORROWER Uniform Covdlanl!7 oftheSecurit)': !nI;tmment iswncnde.t1 to read I1S follows: Trausterolthc Property or a Bedeflc:lallntcrtst In BorroWer. IfnIl Ot Any patt oflhe Property or .UIY intel1.l:5t ill it is sold or ltansfcmd (olif II. benel1eial interestln BortowC".[" is sold or fmnsferrC".tlllnd Rnrrowcr i:<; not Ii natma} pe~) without Lender's prior wriuen consent, Lendcr may, al its option. require immcdinll: paymehl infull ofalfsumsaccurcd by thisSccurity In.strumcnt. However, t.his opuol1shall not bcc)(crci:;cd by Lender In exercise is t'rohiblted by (edetallllw AS oflhe date of this Security Instrument. Lenuer nlso shall noJ exercise this option If: (a) BottOwer causes to be submitted to Lender inronna~ion rCCjuhl',d by LCl1(kr If) evaluate theintcndcd transferee as if a new lonh were being made 1.0 the transfcree; and (b) Lendcr reasolltlbJv delennincs tha.t Lender's security will nol be impaitt.d hy lhctmm assum~ion and lhi!.\ lhc thk of a utta<:h \;f any covenantor agreement In fuis Security Instrument Is acceptable to Lender, To theexlent pettnitted by Bpplicablclaw,Lelldet may charge Ii tcaSonahle fee asaconditioll to LellucT'~ consent to !he lonn assumption. Lencer also may ft9.uiro the transferee to si~n tin assumption ngtC".C".mcnt thnt is acceptable to Lender and that obligatl$S the tmnsrC1'Ce to keep all thc promises and agreements mnde in lhl~ Noteaiui In this Sccurity Insttulnent. Borrower will continue to be obligatw under Ute Note find Jhis .'k.cutil)' lnstroment unless Lender rcleasc6 Borrower in writing. IrLelldcrcxereiliCS Ulc:optionlorcquiw irnrncdiatcpilymcnt in full. I..cllder shall givcDtllTOwcr ll(Jliccllr ace~leralion. The notieeshNl provide a period o{not less than 30 days from. Ulcdnte lhe hOlice i5 (~di\leroi ot malled within which J!orrowermust pe.ya11 sums secured by this Security Instrument. IfBon'ower {Ilils to plLy these sums prior to the expiration of this period. Lender may invoke any remedies pennittcd by Ulis Security mstromc:nt Witllout further notleeordemandon Borrower. BY SIGNING J3ELOW, Borrower aeccpls and agrees 10 tile rms and covenants contail1ctl itl thi:; AdjustableRaleRide,. IlL-- (Seal) f1!:; (SelLl) -Darrowor CHAMBER .n.,,,,,w.( (Scal) (Seal) -Bu/JO""o, .Ronewer 4:Cl\-83SU IUOII 1'0;02012 Form313fl A{j:lA ioud486 PAGE i939 1....... ~ " ,j1j-il~ I n 1~~ . qJ u---' \ 4/'1' ! ROBEilT p. ZIEGLER RECORDEr. OF DEEDS CUMBERLAND COUNTY-PA '88JUL 22 RPlIl J.7, After Reccrdillg RetumTo: PEELLE MANAGEMENT CORPORATION ASSIGNMENT JOB #80603 P,O. BOX 1710 CAMPBELL, CA 95009-1710 1-4Q8.S66-61l61l SOURCE ONE MORTGAGE SERVICES CORPORATION DOCUMENT CONTROL 27555 FARMINGTON f10AD FARMINGTON HILLS, HI 48334-33\4 Parcel Number: ASSIGNMENT OF MORTGAGE . <;";:1.-0'-\ \ For Value Received, the undersigned1iOl&r of a Mortgage (herein ~ Assjgnor~) whose address js 27555FARMINGTONROAD,FARHINGTONHIlLS, HI 48334-3314 t' , does hereby grant, sell, assign, transfer and convey W1to , a corporation (herein ~ Assigneeff), organized and existing under the Jaws of wbose.addressis 27555 FARMINGTON ROAD, FARHINGTON HILLS, a certam Mortgage dated SEPTEMBER 25TH, \998 I.lICHAEL E CHAAlBERS AND LVtfIl t:. CHAAlBERS. HllSllAND M<<l WI~E 101148334-3314 , made and executed by whoseaddressis 223 S YORK ST, HECHANICSBURG, PA 17055-6303 to and in favor of SOURCE ONE MORTGAGE SERVICES CORPORATION upon the County, following described property situated in CommonweatthofPennsylvania: SEE ATTACHED LEGAL PAGE I PAGES CUMBERLAND TREASURER THE FIRST NATIONAL BANK OF CHICAGO AS TRUSTEE ~ Ono First Nallonal Plaza, Sulle 0126, Chlcago, illinoIS 6OS7l).0123 such Mortgage baving been given to secure payment of SEVENTY-THAEE THOUSAND AND NOIIDD DOLLARS ($ (lnCIUdelheOrlllllU"PrlnClpaIA~" which Mortgage is of record in Book, Volume, or Liber No. \ '0 ,atpag~al No. )oflhe Offlclel Recordso ERLAND lREASURER COW1ty, Commonwealth of Pennsylvania, together with the note(s) and obligations therein described and the money due and to become due thereon with interest, and all rights accrued or to acctue under such Mortgage. TO HA VB AND TO HOLD the same unto Assignee, its successor and assigns, forever, subject only to the terms and conditions of the above-described Mortgage. 73,000,00 (or as penlllylva"laAsalllnmentat Mortg.ge ~'995IPAI(91ICI 10/97 P:;.l cl3 Inl~al.: VM~MORTOIlGEFOIlMS'l800I'21.'2~' llYCUn . 3640970095592-3 1~~~I~II~I~llmll~II~~IWi"lllill Iml~III~~II~IIII~I~~1 HL961S I r'.' '. Baa! 619 PlGE L034 . "' -I 'j, ~- -i<1'1:1~~"",- ,) ,.0 ~ ........... 'I~ .:i!iil~,ii IN WITNESS WHEREOF, the undersigned Assigner has exocuted this Assignment of Mortgage on OCTOBER 5TH, 1996 Wllne.sil xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx (iWlgllnr) SOURCE ONE HORTGAGE SERVICESCORPORAT!ON xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx Wl_ (Slsnalurc) xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx Seal: Allcst This Instrument Prepared By: KIM GRAY I address: SOURCE ONE MORTGAGE SERVICES CORPORATIO~ll1. no.: 27555 FAflMINGTON AOAD FAAHINGTDNHILLS, HI 46334-3314 Comlllonweolth/Stoteof Mlchlgcn CounlyofOoklllnd Dnthlslhe 5THdll!{ofOCTOBER KIHl. GRAY J. PIOSZAK AUTHORIZEOS18NER e.ndthllthe, tlS such AUTHORIZED SIGNER exacutad1heforegolng Instrument for corporlltlon by himself flS 199B, before me, , the undersigned offJcer,personally lIppellred , whoecknow1edgedhlmself to be the ofSOURCEONEHORTGAGESERVICESCOfl:'ORATION,llcorporlltlon, being authorized so tOdD, the purposes therein contained, by dgnlng the name of the AUTHORIZEOSIGNER In witness whereof I hereunto set my hend end offlclel seel. ~.995IPAI(m~1 .J4..rn ,- KIHl. GRAY P.g.2..'~ ~I t B09! 1)19 Pld035 . " '. '. ; ,,~.: '. - ..,.1 First American Title Insurance Company Commitment No. 703578 SCHEDULE C ALL nlAT CERTMN lot Of' piece of around situate'in Hechanicsbul"8 BarouSh, Cumberland County, Pennsrheni8, hounded Bnd described according to a survey doted December 18, 1972 by GurU J. Betz, Registered Surveyor, IS follows. to wit: BEGINNING at"" a point on the Easted, rlllht-of~lIay line of South Yorl, Street. (60 feet wide) at 8 p.k. beina the Northwest corner of Lot No. 20 and beiha measured Northwardly alOha the Eastedy rlaht-of-lIay Una of said South York Street, 90.00 feet from'the center line of West Keller Street: thenca e:ctending from said BEGINNING point Ilong said South York Street, Horth 20 dearees 40. minutes West 31.0 feet to a drill hole, II eorner of lands now or late of Rae tl. Kost: thence eJtending along lands of Kost, Harth 69 degrees no lIIinutas East, 165;0 feet to Il hub on the Westerly side of e 20 feet wide alley: thence 81'01\& !laid alley South 20 degrees 40 minutes East, 32.0 feet to a hub: thence extending along lands now or late of Albert Brubaker and Carl L. Rynard South 69 degrees 20 minutes Yest 165.0 feet to the aforementioned polnt and place of BEGINNING. BBING knOlln and des1Rnated 8S !louse No. 223 South York Street. MG! 6.H3PAG[ 10:IG ,,"h~'\~' 'I.' '_J~ p,,:', __\'.' Ji"lW 01 L ~ _ "'_ ,". ' 'v:~~-'~:r\:~ ~\\~'II~:~~,\ 'lJ' ~f ()9 1 ,,,~\l1J. ,', ::-1 :r:J1\t!.'.~~;, · ,'1= l",- !1<~''"'&'''';'A",_,1 }~ ~' ( ( ~, = ~I. l~ ,a", 'lI.","""""'~\b~-..,- ,. -- . Jsk\DEEDSICHAMBERS.DED Seplembar24,19\la J3Pf e ., ;.- N <" , " "..,..... ~ THIS DEED, ..: 1- 'd;;"-, '"':.:.J .,i,'_;Z; ~ N E 0.. .-< -' .<r. .,1 I.;"!' ,- ~ = ~ (jS~"'" (: Made the CJ( day OL.)LptQ.\.~bQ, ,1998, Tax Parcel No. 20-23-0567-141 BETWEEN JAMES FRANK CHAMBERS, JR. and MARY I. CHAMIlERS, husband and wife, Parties of the First Part,Jlereinafter designated as the Grantors, AND MICHAEL E. CHAMBERS and LYNN K. CHAMBERS, husband and wife, Parties of the Second Part, hereinafter designated as the Grantees. WITNESSETH, that the Grantors for and in consideration of EIGHTY-EIGHT THOUSAND and 00/100 DOLLARS ($88,000.00), lawful money of the United Slales of America, to the Grantors in hand well and truly paid by the Grantees, at or before the sealing and delivery of these presents, the receipt whereof is hereby acknowledged and the Grantors being therewith fully satisfied, do by these presents grant, bargain, sell and convey unto the Grantees forever. ALL THAT CERTAIN lot or piece of ground situate in Mecbanicsburg Borough, Cumberland County, Pennsylvania, bounded and described according to a survey dated December 18, 1972 by Gerrit J. Betz, Registered Surveyor, as follows, to wit: BEGINNING at a point on the Easterly right.ofMway line of South York Street (60 feet wide) at a p.k. being the Northwest corner of Lot No. 20 and being measured Northwardly alo ng the Easterly right-or-way line of said South York Street, 90.00 feet from the center line of West Keller Street; thence extending from said BEGINNING point along said South York Street, North 20 degrees 40 minutes West 31.0 feet to a drill hole, a corner of lands now or late of Rae N. Kost; thence extending along lands now or late ofKost, North 69 degrees no minutes East, 165.0 BOOK 166 PAGE 485 - ~, ~ ~l " , ]sk\DEEDSICHAMBERS.DED Seplember24,1998 feet to n hub on the Westerly side ofa 20 feet wide alley; thence along said alley South 20 degrees 40 minutes East, 32.0 feet to a hub; thence extending along lands now or late of Albert Brubaker and Carl L. Rynard South 69 degrees 20 minutes West 165.0 feet to the aforementioned point and palce of BEGINNING. BEING known and designated as House No. 223 South York Street. BEING the same premises granted and conveyed unto James Frank Chambers, Jr. and Mary I. Chambers, by Deed of Barry L. .Heckard and Debbie K. Heckard, dated August 2,1993 and recorded August 4.1993 in the Cumberland County Recorder of Deeds Office in Deed Book L, Volume 36. Page 317. BEING a transfer from father and mother to son and daughter-in-law, it is therefore exempt from Pennsylvania Realty Transfer Tax. UNDER AND SUBJECT, nevertheless, to all other conditions and restrictions o~ record, ifany, as they may appear. TOGETHER with all and singular the buildings, improvements, ways, woods, waters, watercourses, rights, liberties, privileges, hereditaments and appurtenances to the same belonging o~ in anywise appertaining; and the reversion and reversions, remainder and remainders, rents, issues and profits thereof, and of every part and parcel thereof; AND ALSO all the estate, right, title, interest, use, possession, property, claim a~d demand whatsoever of the Grantors both in law and in equity, of, in and to the premises herein described and every part and parcel thereof with the appurtenances. to HAVE AND TO HOLD all and singular the premises herein described together with the hereditaments and appurtenances unto the Grantees and to the Grantees' proper use and benefit.Forever. AND the Grantor covenants that, except as may be herein set forth, they do and will forever specialty warranl and defend the lands and premises, hereditaments and appUrlenam:.es hereby conveyed, against the Grantors and all other persons lawfully claiming the same or to claim the same or any part thereof, by, from or under it, them or any of them. -"11\ all references t\erei.n to any parties, persons, entities or corporations, the use of any particular gender or plural or singular number is intended to include the appropriate gender or number as the text of the within instrument may require. Wherever in this instrument any party shall. be designated or referred to by name or general reference, such designation is intended to and shall have the Same effect as if the words "heirs, executors administrators, personal or legal representatives, successors and assigns" had been inserted after each and every such designation. 000,( 1.eS r,IGf 486 . ~ - '"","_"tl>""")I~,"-' i ..~!J Ie. '<"." , (,:,-'> , jskIOEEOSICHAMBERS.DED Seplamber24,1998 IN WITNESS WHEREOF, the GrantDrs have hereuntD set their hunds untl seuls llle d.IY and year first above written. Signed, Sealed and Delivered in the presence of ~~ vuktf (~ ~"fr';t -f?r%~~ MARY I CHAMBERS THE UNDERSIGNED CERTIFIES THAT THE RESIDENCE AND COMPLETE 1)081' OFFICE ADDRESS OF THE GRANTEE IS: ~d.3 S. yc),l City Street . \j~ State fi 17()5.J \ cu":,c~Gv, , ZipCo((, ~~/) r BOOK 1.BS pm 487 . ""~'''"","~''Iij;,,,;_ 0.1, G "".!i.~,,_, jsk\DEEDS\CHAMSERS.DEO Seplember24,1998 COMMONWEALTH OF PENNSYLVANIA ) r \ l \ : SS. COUNTY OF IJJ M me o.ru ) BE IT REMEMBERED, that on the ~ C) ~\, day OfSQP-le,.j", . 1998. hefore me the subscriber personally appeared James Frank Chambers, Jr. and Mary L Chambers, known to me (or satisractorily proven) to be the person(s), whose name(s) are subscribed to the within instrument and acknowledged that they executed the same for the purposes therein contained, va~ ~lJ NoterielSeel Jennifer S. Kuhns. No\BfY ~'* Camp Hln Boro. Cumberland COlI. 2000 My Commi6sior, g11)1fl,lr. Sepl.l1, .,"" .-_. . Mnlnrles Membm,PoIlIlSVIV,L." COMMONWEALTH OF PENNSYLVANIA ) : SS. COUNTY OF CUMBERLAND ) Recorded in the Office of the Recorder of DJeds, etc., in and for said County, in Book /<;11, . Page i-1'l<(':' Witness my Hand and Official Seal this /~t day of oc:.~ .) .1998. -1~<"'" 7' ;p q ;A' Recorder . ,/ (.' nOOK leG pm 488 . ) _/ -..I Homecomings Pinancial , - /1 CNMC ('r.-mpai'lY October 12. 200 I Certified lVlai1, Return Receipt Requested 0800380396 Lynn K Chambers 223 S York St Mechanicsburg, PA 170550000 Re: Property Address: 223 S York St Mechanicsbu, PA 170550000 Loan Number: 0800380396 A default exists under the above referenced Mortgage/Deed of Trust loan agreement. The action required to cure the default is the payment of all sums due under the Mortgage/Deed of Trust loan agreement. As of the date of this letter the total amount due is $ 5,207,86. That sum includes the following: 6 payments totaling: $ 4,832.42 Late charges: $ 320.95 Other fees and/or costs $ 54.49 Unapplied Funds: N/A The total amount due shown above is subject to further increases for additional monthly payments, late charges, attorney fees, and/or other fees and cost which may become due, after the date of this letter. To obtain an update of the total amount due to cure this default, contact us at 1.800.206.2901. TO CURE THIS DEFAULT, SEND YOUR CASHIER'S CHECK, MONEY ORDER, OR CERTIFIED CHECK IN THE AMOUNT OF $ 5,207.86 BY November 11, 2001 TO THE FOLLOWING ADDRESS: Homecomings Financial, P.O. Box 78426 P1weuix, AZ 85062-8426 OR OVERNIGHT TO: 2445 W. Dunlap Avenue, Suite 100 P1weuix, AZ 85021-2803. If the default is not cured within thirty (30) days of the mailing of this letter, the lender, without further notice or demand, will accelerate the maturity date of the Note and declare all sums secured by the Mortgage/Deed of Trust to be inunecliate1y due and pa:yable. The lender then intends to have the property sold at a public foreclosure sale. After acceleration, a curing of the default and reinstatement of the loan will be permitted up to the time of the sale by paying the past due monthly payments and other sums then due under the Mortgage/Deed of Trust loan agreement and by complying with all terms of reinstatement. You have the right to bring a court action to assert the nonexistence ofa default or any other defense that may exist to prevent acceleration and sale of the property. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. Sincerely, Loan Counseling Department - HLH Homecomings Financial 2711 North Haskell Avenue Suite 900 800.206.2901 Homecomings.com Dallas, Texas 75204 -0 '_""~""""""h.--I - " - .~ 'I . . - ~. " "_J~~:l1;.h.~"'_ . ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORl\llA TION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE This is an official notice that the mortgage on vour home is in delimIt. and the lender intends to foreclose. Specific information about the nature of the default is 'Provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save vour home. This Notice explains how the program works. To see ifHEMAP can help. you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF TH DATE OF THIS NOTICE. Take this notice with vou when vou meet with the Counseling Agencv. The name, address and phone number of Consumer Credit Counseling Agencies serving vour County are listed at the end of this Notice. If you have any questions. you may ca1lthe Pennsvlvania Housing Finance Agencv toll free at 1-800-342.2397. (Persons with impaired hearing can call (717) 780.1869). This Notice contains important legal infonnation. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUIvlA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFlCACION OBTENGA UNA TRADUCClON INlMEDIATAMENTE LLAMANDA ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S El\lIERGENCY MORTGAGE ASSISTANCE PROGRAM' EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA Date: October 12, 2001 TO: Lynn K Chambers 223 S York St Mechanicsburg, PA 170550000 Premises: 223 S York St Mechanicsbu, PA 170550000 Re: Loan Number: 0800380396 FROM: Homecomings Financial .~ --,,,^-"~" -- , .J , ""llW!.._.._"~~s~"",,,,,,,,,,~ 1_,.. HO:MEOWNERS' E:MERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELPYOU MAKE FUI1.JRE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSITANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUlREI\lIENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEJl.4PORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time, you must arrange and attend a "f\l,ce-to-filce" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. ]HIS MEETING MUST OCCUR WI]HIN THE NEXT 30 DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT". EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of desilWated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one filce-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the rfasons set forth later in tlJis Notice (see following pages for specific infonnation about the nature of your defilult.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply ror financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of tlJis Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to- filce meeting LENDER CONTACT IN REGARDS TO PENNSYL VANIA HOUSING FINANCIAL ASSISTANCE HomeComings Financial Network 9275 Sky Park Court San Diego, CA 92123 Att.n: Loss Mitigation Department, Steven Roark Phone: 1-888-810-4687, 00. 5130 ~ I , - -->,~:_-" -q ~'- - -,- ~' <- ,,<(.(, 1-.-" 'It'{; ALL CORRESPONDENCE REGARDING PHFA ASSISTANCE SHOULD BE FORWARDED TO TIlE ABOVE REFERENCED ADDRESS. YOU MUST FILE YOUR APPLICATION PROMP1LY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW TIlE OlHER TIME PERIODS SET FOR1H IN 1HIS LEITER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED, AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified direcUy by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY TIlE FILING OF A PETITION IN BANKRUPTCY, TIlE FOLLOWING PART OF 1HIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSlRUED AS AN ATIEMPT TO COLLECT TIlE DEBT. (If you have filed bankruptcy you can still apply for Emergeru:y Mortgage Assislante.) HOW TO CURE YOUR MORTGAGE DEF ATILT (Bring: it nD to date). NATURE OF TIlE DEF AUL T - The MORTGAGE debt held by the above lender on your property located at: 223 S York St, Mechanicsbu, PA 170550000 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYJ\IIENTS for the following months and the following amounts are now past due: Monthly payments from 05/0liOlto 10/01/01 totaling: Late Charges: Other fees andlor costs (including NSF charges and property inspections): LESS: Unapplied Funds: TOTAL $ 4,832.42 $ 320.95 $ 54.49 N/A $ 5,207.86 HOW TO CURE TIlE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this Notice BY PAYING TIlE TOTAL AMOUNT DUE TO TIlE LENDER, WHICH IS $ 5,207.86, PLUS ANY MORTGAGE PAYJ\IIENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Pavments must be made either bv cash, cashier's check. certified check or money order made pavable and sent to: Homecomings Financial, P.O. Box 78426 Phoenix, AZ 85062-8426 OR OVERNIGHT TO: 2445 W. Dunlap Avenue, Suite 100 Phoenix, AZ 85021-2803. IF YOU DO NOT CURE TIlE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its ril!ht to accelerate the morl!!a!!e debt This means that the , ~-- ---, --..,,- '"'-"~!."'Il~-'"~,,t' entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorney to start legal action to foreclose upon your mortgaged property. IF TIlE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the lender refers your case to its attorney, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender, even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If 'IOU cure the default within the lHIRTY (30) DAY period, 'IOU will not be required to pay attorney's fees. OTIlER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE TIlE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You mav do so bv pavin~ the total amount then past due, plus anv late or other charges then due. reasonable attornev's fees and costs connected with the foreclosure sale and anv other costs connected with the Sheriff 5 Sale as SIlecified in writing bv the lender and by perfonning anv other requirements under the mortgage. Curing 1'Our default in the IIIlIIUler set forth in this Notice will restore 1'OUI' nwrtgage to the same position as if 1'Ou had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six (6) nwnths from the date of this Notice. A notice of the actual date of the Sheriff 5 Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT TIlE LENDER: Homecomings Financial 2711 N. Haskell, Suite 900 Dallas, TX 75204 Atm: Loan Counseling Department Phone: 1.800.206.2901 EFFECT OF TIlE SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff 5 Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may be able to sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney' 5 fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE TIlE RIGHT: .~ ~fr_ . __ ~ ~ ~,"'-~!'~._~", t~~~;. TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAl\IIE POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR. ) TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. TO ASSERT ANY OTHER DEFENSE. YOU BELIEVE. YOU MA Y HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE fEDERAL BANKRUPTCY LAW. Sincerely, Loan Counseling Department EncIosun( s) List of Counseling Agencies " - CUMBERLAND COVNU Urban league ofMetJ'opolilaD Harrisburg N. 6ch SCreet Ham..burg, P A 1710) (717) 2U-S925 FAJC(717) 234-9459 Adams CollJlty Housing Authority 139-143 Carlialc SL Gelt)/Sbw-c. PA 17325 (717)3U-1518 FAX (717) 334-8326 CCCS of We;tem PClllllyIVlllia, loc. 2000 Linglestown Road Hamsblllg, P A 17102 (717) 541-1757 YWCA of Carlisle 301 GSIfect Carlisle, P A 17013 (717) 243-3818 FAJC (717) 731-9589 _I 'v,' '"' ,...1__' " '~;;~~-''''''''''t:, Comrmmity Action Comm of lb. Capilli) Region ) 5 14 Derry Street Harrisburg. P A 17104 (717) 232-9757 FAX(717)2U-2227 Financial ColIIISCling ServiCC$ of Franklin 31 West 3rd Street Wayncsboro. PA 17268 (711) 762-3285 '7; I "C ^'" , E'ttY(,,-, Homec~gs Finandal . /1 GilllAC C!Hnpai':!Y October 12, 2001 Certified lvlail, Return Receipt Requested 0800380396 Michael E Chambers 223 S York St MechaIJicsburg, PA 170550000 Re: Property Address: 223 S York St Mechanicsbu, PA 170550000 Loan Number: 0800380396 A detault exists under the above referenced MortgageiDeed of Trust loan agreement. The action required to cure the detault is the payment of all sums due under the MortgageiDeed of Trust loan agreement. As of the date of this letter the total amount due is $ 5,207.86. That sum includes the following: 6 payments tota1ing: $ 4,832.42 Late charges: $ 320.95 Other fees and/or costs $ 54.49 Unapplied Funds: N/A The total amount due shown above is subject to further increases for additional monthly payments, late charges, attorney fees, and/or other fees and cost which may become due, after the date of this letter. To obtain an update of the total amount due to cure this detault, contact us at 1.800.206.2901. TO CURE THIS DEFAULT, SEND YOUR CASHIER'S CHECK, MONEY ORDER, OR CERTIFIED CHECK IN THE AMOUNT OF $ 5,207.86 BY November 11, 2001 TO THE FOLLOWING ADDRESS: Homecomings Financial, P.O. Box 78426 Phoenix, AZ 85062-8426 OR OVERNIGlIT TO: 2445 W. Dunlap Avenue, Suite 100 Phoenix, AZ 85021-2803. If the detault is not cured within thirty (30) days of the mailing of this letter, the lender, without further notice or demand, will accelerate the maturity date of the Note and declare all sums secured by the MortgageiDeed of Trust to be immediately due and payable. The lender then intends to have the property sold at a public foreclosure sale. After acceleration, a curing of the detault and reinstatement of the loan will be permitted up to the time of the sale by paying the past due monthly payments and other sums then due under the MortgageiDeed of Trust loan agreement and by complying with all terms of reinstatement. You have the right to bring a court action to assert the nonexistence ofa detault or any other defense that may exist to prevent acceleration and sale of the property. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEFEIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. Sincerely, Loan Counseling Department HLH Homecomings F'it'lancial 2711 North Haskell Avenue Suite 900 800.206.2901 Homecomings.com Dallas, Texas 75204 Yj ,. .'J' '--.'.", fU'jit;;Ul1~,;,.''. ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. This is an official notice that the mortgage on your home is in defuult. and the lender intends to foreclose. Specific infonnation about the nature of the defuult is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the prowam works. To see ifHEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF TH DATE OF THIS NOTICE. Take this notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency ton free at 1-800-342-2397. (Persons with impaired hearing can call (717) 780-1869). This Notice contains important legal infonnation. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTlNUAR VIVlENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NQTIFICACION OBTENGA UNA TRADUCCION IMMEDIATAMENTE LLAMANDA ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOME01NNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM' EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. Date: October 12, 2001 TO: Michael E Chambers 223 S York St Mechanicsburg, PA 170550000 Premises: 223 S York St Mechanicsbu, PA 170550000 Re: Loan Number: 0800380396 FROM: Homecomings Financial ^,' I,,: .......... -lJIi""':~"""""''''''A'''',",,,",~, HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELPYOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSITANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIG IBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) clays from the date of this Notice. During that time. you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT 30 DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT". EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) clays after the clate of this meeting. The names. addresses and telephone numbers of desi!lll8ted consumer credit counseling agencies for the countv in which the propertv is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediatelv of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) clays of your face-to- face meeting LENDER CONTACT IN REGARDS TO PENNSYL VANIA HOUSING FINANCIAL ASSISTANCE HomeComings Financial Network 9275 Sky Park Cowt San Diego, CA 92123 Atilt Loss Mitigation Department, Steven Roark Phone: 1-888-810-4687, ext. 5130 1-.' ", ^-"- "':' Co'"." "' ",d".,".k~~<"" .' ~ ',. .~,{i ALL CORRESPONDENCE REGARDING PHFA ASSISTANCE SHOULD BE FORWARDED TO TIlE ABOVE REFERENCED ADDRESS. YOU MUST FILE YOUR APPLICATION PROMPILY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW TIlE OlHER. TIME PERIODS SET FORlH IN lHIS LEITER. FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION n Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. N01E: IF YOU ARE CURREN1LY PR01ECTED BY TIlE FILING OF A PETITION IN BANKRUPTCY, lHE FOLLOWING PART OF lHIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSlRUED AS AN ATIEMPf TO COLLECT lHE DEBT. (If you have rdad bankruptcy you can still apply for Emergency Mortgage Assistance. ) HOW TO CURE YOUR MORTGAGE DEFAULT (Brine: it Ull to date). NATURE OF TIlE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 223 S York St, Mechanicsbu, PA 170550000 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly payments from 05/01/01 to 10/01/01tota1ing: Late Charges: Other fees and/or costs (including NSf charges and property inspections): LESS: Unapplied Funds: TOTAL $ 4,332.42 $ 320.95 $ 54.49 N1A $ 5,207.86 HOW TO CURE TIlE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this Notice BY PAYING lHE TOTAL AMOUNT DUE TO lHE LENDER, WHICH IS $ 5,207.86, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Pavments must be made either by cash. cashier's check. certified check or money order made pavable and sent to: Homecomings Financial, P.O. Box 78426 Phoenix, AZ 85062-8426 OR OVERNIGHT TO: 2445 W. Dunlap Avenue, Suite 100 Phoenix, AZ 85021-2803. IF YOU DO NOT CURE lHE DEFAULT -If you do not cure the default within THIRTY (30) DAYS of the date of this Notice. the lender intends to exercise its rieht to accelerate the morte.ae.e debt. This means that the ~" ,-, I~~J,", ;--- 'f~1'.lO:;,,'_. entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorney to start legal action to foreclose upon your mortgaged property. IF TIlE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the lender refers your case to its attorney, but you cure the delinquency before the lender begins legal proceedings against you, you will slill be required to pay the reasonable attomey' 5 fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender, even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will unt be required to pay attorney's fees. OlHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHI'TO CURE TIlE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you slill have the right to cure the default and prevent the sale at any time UP to one hour before the Sheriffs Sale. You may do so by paving the total amount then past due. plus any late or other chames then due. reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff s Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the IIIllIllIl!r set forth in this Notice will restore your nwrtgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six (6) nwnths from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time =cl1y what the required payment or action will be by contacting the lender. HOW TO CONTACT TIlE LENDER: Homecomings Financial 2711 N. Haskell, Suite 900 Dallas, TX 75204 Atto: Loan Counseling Department Phone: 1.800.206.2901 EFFECT OF TIlE SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff 5 Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any lime. ASSUMPTION OF MORTGAGE - You may be able to sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney' 5 fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSOHAVETIlERIGIIT: -. ',.......1.,. .-. TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE T1I\I!ES IN ANY CALENDAR YEAR.) TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. Sincerely, Loan Counseling Department Enclosure( 5) List of Counseling Agencies - -~ - ;--"F~' - 'iirli!liLi~;- CtlMBERLAND covNU Urban league of MeII'OpOlilan Hmiaburz N. 61h Shel Harrisburg, P A 17101 (7 I 7) 234-5925 FAJe(717) 234-9459 Adams CoUJIty HousiDg Authority 139-143 Carliale SL GettySbllr& PA 17325 {7 1 7)334-15 18 FAJ((717)3J4.S326 ~~,,~ CCCS ofWlWnI PemqylVlDia, IlIe. 2000 LiDglcslDWll Road Harrisburg, P A I7J 02 (717) 541-1757 YWGA of Carlisle 301 G Street Carlisle, PA 17013 (717) 243-3818 FAJ( (717)731-9589 --;l'rL,"" -n -~1i--ril1:b~; CoDllllllnity Aerion 'Comm of the Capillll Region 1514 Derry Slrccl Harrisburg, P A 17104 (717) 232-9757 FAJe (717) 234-2227 Financial CoWISC1inll Services of Franklin 31 W cst 3rd Street Wayncsboro. PA 17268 (717) 762-3285 ''': -"~.. 10 L...<ib:L , ~- '-~ :Ji~~I" Homecomings Finandal , - 11 Gi~C('(l-m:plZt.!y October 12, 200 I Certified Mail, Return Receipt Requested 0800380396 Lynn K Chambers 223 S York St Mechanicsbu, PA 170550000 Re: Property Address: 223 S York St Mechanicsbu, PA 170550000 Loan Number: 0800380396 fA detault exists under the above referenced MortgagelDeed of Trust loan agreement. The action required to cure the detault is the payment of all sums due under the MortgagelDeed of Trust loan agreement. As of the date oftms letter the total amount due is $ 5,207,86. That sum includes the following: 6 payments totaling: $ 4,832.42 Late charges: $ 320.95 Other fees and/or costs $ 54.49 Unapplied Funds: NIA The total amount due shown above is subject to further increases for additional monthly payments, late charges, attorney fees, and/or other fees and cost which may become due, after the date of this letter. To obtain an update of the total amount due to cure this detault, contact us at 1.800.206.2901. TO CURE THIS DEFAULT, SEND YOUR CASHIER'S CHECK, MONEY ORDER, OR CERTIFIED CHECK IN THE AMOUNT OF $ 5,207.86 BY November 11. 2001 TO THE FOLLOWING ADDRESS: Homecomings FinaIu:ial, P.O. Box 78426 Phoenix, AZ 85062-8426 OR OVERNIGIIT TO: 2445 W. Dunlap Avenue, Suite 100 Phoenix, AZ 85021-2803. If the detault is not cured within thirty (30) days of the mailing of this letter, the lender, without further notice or demand, will accelerate the maturity date of the Note and declare all sums secured by the MortgagelDeed of Trust to be immediately due and pa}/llble. The lender then intends to have the property sold at a public foreclosure sale. After acceleration, a curing of the detault and reinstatement of the loan will be permitted up to the time of the sale by paying the past due monthly payments and other sums then due under the MortgagelDeed of Trust loan agreement and by complying with all terms of reinstatement. You have the right to bring a court action to assert the nonexistence ofa detault or any other defense that may exist to prevent acceleration and sale of the property. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. Sincerely, Loan Counseling Department HLH Homecomings Financial 2711 North Haskell Avenue Suite 900 800.206.2901 Homecomings.com Dallas, Texas 7:5204 ~; -1-< 1,1 ~ ~t!l...-,*",,~- ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE THIS NOTICE IS SENT TO YOU IN AN ATTE!\ilPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OB T AlNED FROM YOU WILL BE USED FOR THAT PURPOSE This is an official notice that the mortgage on vour home is in default. and the lender intends to foreclose. Sp ecific information about the ""ture of the default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) mav be able to help to save vour home. This Notice explains how the program works. To see ifHEMAP can help, vou must MEET WITH A CONSUI\IIER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF TH DATE OF THIS NOTICE. Take this notice with vou when vou meet with the Counseling Agencv. The name. address and phone number of Consumer Credit Counseling Agencies serving vour Countv are listed at the end of this Notice. Ifvou have anv QUestions. vau mav call the Peonsvlvania Housing Finance Agencv toll free at 1-800-342-2397. (Persons with impaired hearing can call (717) 780-1869). This Notice contains important legal infonnation. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUNIA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION IMMEDIATAMENTE LLAMANDA ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM' EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO AREDIMIR SUHIPOTECA. Date: October 12. 2001 TO: LjIIID K Chambers 223 S York St Mechanicsbu, PA 170550000 Premises: 223 S YorkSt Mechanicsbu, PA 170550000 Re: Loan Number: 0800380396 FROM: Homecomings Financial --"- .. I~..;",J...-,,'- . ^ ) ~~ -,~ S:"< - ~liiilt~~i HO:MEOWNERS' E:MERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELPVOU MAKE FUIllRE MORTGAGE PAYMENTS IF YOU CONIPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSITANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUNlSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAY1\.1ENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE n Under the Act, you are entitled to a tempotar'! stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time, you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. lHISMEEfING MUST OCCUR WIlHIN TIlE NEXT 30 DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT". EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names. addresses and telephone numbers of desi_ted consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only neces sary to schedule one face-to - face meeting. Advise your lender immediately of your intentions, APPLICATION FOR MORTGAGE ASSISTANCE u Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and tile a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be tiled or postmarked within thirty (30) days of your face-to-face meeting LENDER CONTACT IN REGARDS TO PENNSYL VANIA HOUSING FINANCIAL ASSISTANCE HomeComings Financial Network 9275 Sky Park Court . San Diego, CA 92123 Attn: Loss Mitigation Department, Steven Roark Phone: 1-888-810-4687. ext. 5130 - ___do ~ ~ ~"'l',~ti ALL CORRESPONDENCE REGARDING PHFA ASSISTANCE SHOULD BE FORWARDED TO 1HE ABOVE REFERENCED ADDRESS. YOU MUST FILE YOUR APPLICATION PRoMPIty. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW 1HE OTIIER TIME PERIODS SIT FORnI IN lHIS LEITER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY 1HE FILING OF A PEfITION IN BANKRUPTCY, 1HE FOLLOWING PART OF nIIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSlRUED AS AN AlTEMPT TO COLLECT 1HE DEBT. (If you have med bankruptcy you can still apply for Emergen<y Mortgage AssistaJ:u:e. ) HOW TO CURE YOUR MORTGAGE DEFAULT (BrinlZ it UP to date). NATIJRE OF 1HE DEF AUL T - The MORTGAGE debt held by the above lender on your property located at: 223 S York St, Mechanicsbu, PA 170550000 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYIvIENTS for the following months and the following amounts are now past due: Monlhlypayments from 05/01101 to 10/01/01 totaling: Late Charges: Other fees and/or costs (including NSF charges and property inspections): LESS: Unapplied Funds: TOTAL $ 4,832.42 $ 320.95 $ 54.49 N/A $ 5,207.86 HOW TO CURE 1HE DEFAULT - You may cure the defilUlt within THIRTY (30) DAYS of the date of this Notice BY PAYING 1HE TOTAL AMOUNT DUE TO 1HE LENDER, WHICH IS $ 5,207.86, PLUS ANY MORTGAGE PAYIvIENTS AND LATE CHARGES WHICH BECOI\IIE DUE DURING THE THIRTY (30) DAY PERIOD. Pavments must be made either bv cash, cashier's check. certified check or money order made aavable and sent to: Homecomings Financial, P.O. Box 78426 Phoenix, AZ 85062-8426 OR OVERNIGHT TO: 2445 W. Dnnlap Avenue, Suite 100 Phoenix, AZ 85021-2803. IF YOU DO NOT CURE 1HE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice. the lender intends tn e""rcise its ri!!ht tn accelerate the mD""""" debt. This means that the ~I ' . , ~>', th,""..<~ .~ to. ~ -"i~x, entire outstanding balance of this debt will be considered due Jrnmediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorney to start legal action to foreclose upon your mortgaged property. IF 1HE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the lender refers your case to its attorney, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney' 5 fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender, even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If'\'Ou cure the default within the lHIRTY (30) DAY period. vouwillnotbe required to navattomev's fees. OlHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RlGIIT TO CURE 1HE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, 'Iou still have the right to cure the default and prevent the sale at anv time up to one hour before the Sheriffs Sale. You mav do so bv pavinl! the total amount then past due, plus anv late or other chargeS !hen due. reasonable attorney' 5 fees and costs connected with the foreclosure sale and anv other costs connected with the Sheriff s Sale as specified in writinl! bv the lender and b'! performing an'! other requirements under the mortgal!e. Curing:l"ur default in the Il\lllUIl!r set forth in this Notice will restore your mortgage to the same position as if you had IIl!Vl!l' defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff s Sale of the mortgaged property could be held would be approximately six (6) months from the date of this Notice. A notice of the actual date of the Sheriff s Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT 1HE LENDER: Homecomings Financial 2711 N Haskell, Suite 900 Dallas, TX 75204 Attn: Loan Counseling Department Phone: 1.800.206.2901 EFFECT OF 1HE SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff s Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may be able to sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney' 5 fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE 1HE RIGIIT: - "'''''''''' I~"~- " '",. ""~." ,-.-~ "~ ,'~~-,,"' "",,"--"-~:, TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER TO SEEK PROTECTION UNDER THE. FEDERAL BANKRUPTCY LAW. Sincerely, Loan Counseling Department Enc1osure(s) List of Counseling Agencies .~~ ~. CtlMBERLAND couNU Urban League ofMetropolitaa !iarrisbIq N. 6th SlRet Harrisburg, P A 1710 I (717) 234-S925 FAJC(717) 234-9459 Adams Co\llllyHousiDg Authority 139-143 Carlille SL Gea:ysburg, P A 17325 (717)334-1518 FAX (717) 334-8326 CCCS ofWestem PennsylVlllia, Ine. 2000 Liaglcstown Road Hamsbllr& PA 17102 (717) 541-1757 YWCA of Carlisle 301 G Street Carlisle, PA 17013 (717) 243-3818 FAX (717) 731-9589 - , .~ ,'~'-~ ",.. llltI~~"'a],!i;,"",f~,... Collllllllnity Aclion -Comm oftbe Capilli! Region 1514 Deny Street Harrisburg, P A 17104 (717) 232.9757 FAX (717) 234-2227 Financial Col1llSeling Services of Franklin 31 West 3rd Street Waynesboro, PA 17268 (717) 762-328S i t """""",<M < '" """""",,"- Iii - ~. -b.-""""'I!l;Iili-_;_>#: Homecomings Financial ~. - A CJoIu.c fompl2iJY October 12, 2001 Certified NIai1, Return Receipt Requested 0800380396 Michael E Chambers 223 S York St Mechanicsbu, PA 170550000 Re: Property Address: 223 S York St Mechanicsbu. PA 170550000 Loan Number: 0800380396 A default exists under the above referenced Mortgage/Deed of Trust loan agreement. The action required to cure the default is the payment of all sums due under the Mortgage/Deed of Trust loan agreement. As of the date of this letter the total amount due is $ 5,207.86. That sum includes the following: 6 payments tot8ling: $ 4,832.42 Late charges: $ 320.95 Other fees ancllor costs $ 54.49 Unapplied Funds: N/A The total amount due s/lown above is subject to further increases for additional monthly payments. late charges. attorney fees. ancllor other fees and cost which may become due, after the date of this letter. To obtain an update of the to1al amount due to cure this default, conlact us at 1.800.206.2901. TO CURE THIS DEFAULT, SEND YOUR CASHIER'S CHECK, MONEY ORDER, OR CERTIFIED CHECK IN THE mOUNT OF $ 5,207.86 BY November 11, 2001 TO THE FOLLOWING ADDRESS: Homecomings Financial, P.O. Box 78426 Phoenix, AZ 85062-8426 OR OVERNIGfIT TO: 2445 W. Dunlap Avenue, Suite 100 Phoenix, AZ 85021-2803. If the default is not cured within thirty (30) days of the mailing of this letter. the lender, without further notice or demand, will accelerate the maturity date of the Note and declare all sums secured by the MortgageiDeed of Trust to be immediately due and payable. The lender then intends to have the property sold "t a public foreclosure sale. After acceleration, a curing of the default and reinslatement of the loan will be permitted up to the time of the sale by paying the past due monthly payments and other sums then due under the Mortgage/Deed of Trust loan agreement and by complying with all terms of reinslatement. You have the right to britlg a court action to assert the nonexistence ofa default or any other defense that may exist to prevent acceleration and sale of the property. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. Sincerely, Loan Counseling Department HLH Homecomings Financial 2711 North Haskell Avenue Suite 900 800.206.2901 Homecomings.com Dallas, Texas 75204 . . .~ ~ . -, ",c_ -I ~ ---'_~"___i ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE THIS NOTICE IS SENT TO YOU IN AN ATTElV!PT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY Ii-WORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. This is an official notice \hat the mortgage on your home is in default. and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRANI (HEMAP) may be able to help to save your home. This Notice explains how the program works. To see ifHEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF TH DATE OF THIS NOTICE. Take this notice with you when you meet with the Counseling Agencv. The name. address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. Ifvou have any questions. vou may call the Pennsylvania Housing Finance Agencv toll free at 1-800-342-2397. (Persons with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SOMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION IMNIEDIATAMENTE LLAMANDA ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO NIENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM' EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. Date: October 12, 2001 TO: Michael E Chambers 223 S York St Mechanicsbu, PA 170550000 Premises: 223 S York St Mechanicsbu, PA 170550000 Re: Loan Number: 0800380396 FROM: Homecomings Financial u 0= ~""- - -~"" '. . '""- ~I ~' , . . ;;lj~;{;': HOJl.1EOWNERS' EJI.1ERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELPVOU MAKE FUTIJRE MORTGAGE PAYMENTS IF YOU COlvlPLY WITH THE PROVISIONS OF THE HONIEOWNER'S EMERGENCY MORTGAGE ASSITANCE ACT OF 1983 (THE "ACT"), YOU I\.IAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAIlE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQuiREl\.lENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entiUed to a temporary stay of foreclosure on your mortgage for thirty (30) clays from the clate of this Notice. During that time, you must arrange and attend a "mce-to-mce" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. TIllS MEEIING MUST OCCUR WIlHlN TIlE NEXT 30 DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT". EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CRIDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) clays after the clate of this meeting. The names. addresses and telephone numbers of designated consumer credit counseling agencies for the countv in which the Ilropertv is located. are set forth at the end of this Notice. It is only necessary to schedule one mce-to- mce meeting. Advise your lender immediatelv 0 f your intentions, APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) clays of your mce-to- mce meeting LENDER CONTACT IN REGARDS TO PENNSYLVANIA HOUSING FINANCIAL ASSISTANCE HomeComings Financial Network 9275 Sky Park Court San Diego, CA 92123 Attn: Loss Mitigation Department, Steven Roark Phone: 1-888-810-4687, 00. 5130 9 ~ , ....l ..;.~ "~ ,,, ., , -, -.&: ~,' 'oBi; . ALL CORRESPONDENCE REGARDING PHFA ASSISTANCE SHOULD BE FORWARDED TO TIlE ABOVE REFERENCED ADDRESS. YOU MUST FILE YOUR. APPLICATION PROMPILY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW TIlE 0lHER. TIME PERIODS SEI FORlH IN lHIS LEITER, FORECLOSURE MAY PROCEED AGAINST YOUR. HOME IMMEDIATELY AND YOUR. APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION n Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application~ During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above~ You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOlE: IF YOU ARE CURRENTLY PROlECTED BY TIlE FILING OF A PETITION IN BANKRUPfCY, TIlE FOLLOWING PART OF lHIS NOTICE IS FOR INFORMATION PURPOSES 0l'lL Y AND SHOULD NOT BE CONS'IRUED AS AN ATIEMPT TO COLLECT TIlE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Erin!!: it up to date). NATI.JRE OF TIlE DEF AUL T - The MORTGAGE debt held by the above lender on your properly located at: 223 S York St, Mechanicsbu, PA 170550000 IS SERIOUSLY IN DEF AUL T because: YOU HAVE NOT IVIADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly payments from 05/01/01 to 10101/01 totaling: Late Charges: Other fees andlor costs (including NSF charges and properly inspections): LESS: Unapplied Funds: TOTAL $ 4,832.42 $ 320.95 $ 54.49 N/A $ 5,207.86 HOW TO CURE TIlE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this Notice BY PAYING TIlE TOTAL AMOUNT DUE TO TIlE LENDER, WHICH IS $ 5,207,86, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Pavments must be made either bv cash. cashier's check, certified check or money order made pavable and sent to: Homecomings Financial, P.O. Box 78426 Phoenix, AZ 85062-8426 OR OVERNIGHT TO: 2445 W. Dunlap Avenue, Suite 100 Phoenix, AZ85021-2803. IF YOlJDO NOT CURE TIlE DEFAULT .,- If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rieht to accelerate the morll!al!e debt. This means !hat the J~ ' , ~ ~,- '~'~>R-oJ",*~_<- entire outstanding balance of Utis debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments.' If full payment of the total amooot past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorney to start legal action to foreclose upon your mortgaged property. IF 1HE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to payoff the mortgage debt If the lender refers your case to its attorney, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender, even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If.....u cure the default within the THIRTY (30) DAY period, .....u will not be required to pay attornev's fees. OTIIER LENDER. REMEDIES - The lender may also sue you personally for the oopaid principal balance and all other sums due ooder the mortgage. RIGIIT TO CURE 1HE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by paving the total amooot then past due. plus any late or other charges then due. reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff 5 Sale as sPecified in writing by the lender and by performing any other requirements ooder the mortgage. Curing your default in the manner set forth in this Nome will restore your nwrtgage to the same position as if you had IIl!Vl!r defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six (6) nwnths from the date of this Notlce. A notice of the actual date of the Sheriff 5 Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT 1HE LENDER.: Homecomings Financial 2711 N. Haskell, Suite 900 Dallas. TX 75204 Atto: Loan COOOSeling Department Phone: 1.800.206.2901 EFFECT OF 1HE SHERIFF'S SALE - You should realize that a Sheriff s Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff 5 Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You may be able to sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE 1HE RIGIIT: 1- ~. - > ~ " - - , k. - ',"'''-- -il -',,",,: -ol":";~ . -t (" ... TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RiGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR) TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. Sincerely, Loan Counseling Department Enclosure( s) List of Counseling Agencies . ~~ -~ ~ ' ., . CtlMBERLAND covNU Urban League of Metropolitan Harrialltq N. 6th Slnlel Harrisburg, P A 17101 (717) 234-5925 FAJC(717) 234-9459 Adams County How;iug Aulhority 139-143 Carliale SL GeltySburg, P A 17325 (117)334-1518 FAU((717) 334-S326 CCCS ofWestem PennsylVlllia, Inc. 2000 LiuglC:SIOWll Rood Harrisblll& P A 171 02 (117) 541-1757 YWCA of Carlisle 301 G SIreeI Caclisle, PA 17013 (717) 243-3818 F AU( (717) 731.9589 I~ ,i ~ ->~l>.-.... Il!llilll~~~{' ColIIDIW2ity Action -Comm oflhe Capital Region 1514 Deny Street Harrisburg, P A 17104 (717) 232-9757 FAX (717) 234-2227 Financial CollllSeling Services of Franklin 31 Wesl3rd Slreet Waynesboro, PA 17268 (717) 762-3285 - "'" I ' , ,- ~ " --~~~':, " 01\ _" .. CERTIFICATE OF SERVICE I, Barbara A. Shadel, an employee of the law firm of Purcell, Krug & Halier, do hereby certify that I served, a true and correct copy of Plaintiff's Affidavit upon the following by depositing same in the United States Mail, First Class Postage, Postage Prepaid, addressed as follows: Lynn K. Chambers a/k/a 124 West Portland St., Apt. 28 Mechanicsburg, PA 17055 Michael E. Chambers 223 South York Street Mechanicsburg, PA 17055 Pro Se Defendant Pro Se Defendant !5-M~C ,~~ Barbara A. Shadel t' Dated: ft/:?O/~;1. 'I ,'-' U" _"",;;"'d.-"'. '. j PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in duplicate) TO THE PROTHONOTARY/OF CUMBERLAND COUNTY: Please list the within matter for the next: D Pre-Trial Argument Court [i] Argument Court ----------~----------------------------------------------------------- CAPTION OF CASE (entire caption must be stated in full) BankOne, National Association fjk/a The First National Bank of Chicago, Trustee, (Plain tiff) vs. Michael E. Chambers and Lynn K. Chambers ajk/a Lynn Chambers, (Defendant) vs. No. 01-7135 Civil Tenn }<j:9l{- I. State matter to be argued (i. e., plaintiffs motion for new trial, defendant's demurrer to complaint, etc.): Motion for Summary Judgment 2. Identify counsel who will argue case: (a) for plaintiff: Jill M. Wineka, Esquire (b) for defendant: Lynn K. Chambers a/Kia Lynn Chambers, pro se 3. I will notify all parties in writing within two days that this case has been listed for argument. _ ey for Plaintiff ) 1 M. Wineka, Esquire Dated: 7/.30/ (J L . v <, ~ 'I" ., J "'~_~ ~ ,., ;.' llli ""~" ' . . CERTIFICATE OF SERVICE I, Barbara A. Shadel, an employee of the law firm of Purcell, Krug & Haller, do hereby certify that I served a true and correct copy of the Praecipe for Listing Case for Argument on the following by depositing same in the United States Mail, First Class Postage, Postage Prepaid, addressed as follows: Lynn K. Chambers a/k/a Lynn Chambers 124 West Portland Street, Apt. 28 Mechanicsburg, PA 17055 Michael E. Chambers 223 South York Street Mechanicsburg, PA 17055 Pro Se Defendant Pro Se Defendant 4,flA C ,~ o/ar araA.Shadel ' Dated: 7/.30/0J. ~~~~~~!i;b],i;l,f~:jJ"'ll!.fJ;;''''''''')}"'';;)'''''-<''''--d.'J"","''_':''-'l-,C-":.,--oI-"",_'''''''''''';&",,,,",~,,,,,::,-,,:,,,,,,,,ti'~ly.j~~IiR~iJll .____,.iIllilli!Iilbll1JW~_,.._""""'__"'_""'"_''''' o .C i~fT, ~~> ;::;;: ~-'c" <:-; (~[:~, ">---[',' Z ::< ,J.~c...ll.ll..J. 11 JJJ.Ll",t= ,-,_,:,~~,W,,4!,J,,",~., '-"~~,"-M,,,' ..____,"'-',""'.. ""''''_~.*~,"~ ,""_",,,., ,.~ ',~ _, ~~" 0 _" .~, __ , .~ t~.\ r~::, ~."' C.) " 5;~ _ ';2::' -. () ~jrn 5:J -<: f> if/ ~-.. ---- j ~'1', AUG ~OZ BANKONE, NATIONAL ASSOCIATION flk/a THE FIRST NATIONAL BANK OF CHICAGO, TRUSTEE, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND CO.. PENNSYLVANIA NO. 01-7135 CIVIL TERM vs. MICHAEL E. CHAMBERS and LYNN K. CHAMBERS a/k/a LYNN CHAMBERS, Defendants CIVIL ACTION - LAW IN MORTGAGE FORECLOSURE ORDER AND NOW, this day of , 2002, IT IS HEREBY ORDERED that the Prothonotary is directed to enter an in rem judgment in mortgage foreclosure in favor of the Plaintiff. BankOne, National Association flk/a The First National Bank of Chicago, Trustee and against the pro se Defendant. Lynn K. Chambers a/k/a Lynn Chambers, in the amount of $83.404.26, together with interest at f $19.84 per day from April 1, 2002, together with any additional costs and escrow arlvances for taxes and insurance. BY THE COURT: O(\~\nC\ \ '~1'l0 S ~ ~ J. Distributio Jill M. Wineka, Esq., 1719 North Front St., Harrisburg, PA 17102 Lynn K. Chambers a/k/a Lynn Chambers, 124 West Portland St., Apt. 28, Mechanicsburg, PA 17055. Pro Se Defendant Michael E Chambers, 223 South York St., Mechanicsburg, PA 17055, Pro Se Defendant ~dJJ ~ J:>I~ .,j ~ ' ::z -fr.J c--J. 6~~.@ rvJI ~ t.,)~ C/o ~ 0- (P-../ 1002- eiZ-: ~6" f? "". 1 c. .." ~ ? I o ~ ~ ",,-' C.tt. ~ ~~ ~ ...dJ P +.c 1/7- ,;J..3'f - L..{ I7tt ~ .., \ NOV 1 8 2002 ~ BANKONE, NATIONAL ASSOCIATION flk/a THE FIRST NATIONAL BANK OF CHICAGO, TRUSTEE Plaintiff : IN THE COURT OF COMMON PLEAS CUMBERLAND CO., PENNSYLVANIA NO. 01-7135 - Civil Term vs. MICHAEL E. CHAMBERS and LYNN K. CHAMBERS a/k/a LYNN CHAMBERS Defendants CIVIL ACTION - LAW IN MORTGAGE FORECLOSURE ORDER AND NOW, this day of , 2002, upon consideration and review of the Plaintiff's Motion for Summary Judgment, IT IS HEREBY ORDERED AND DECREED that an ill rem Judgment is entered in favor of the Plaintiff, BankOne, National Association flk/a The First National Bank of Chicago, Trustee and against the Defendant, Lynn K. Chambers a/kla Lynn Chambers, in the sum of $83,404.26, together with interest at the rate of $19.84 per diem from April 1 , 2002, and any additionai escrow advances for taxes and insurance. BY THE COURT: J. Distribution: Jill M. Wineka, Esq., 1719 N. Front St., Harrisburg, PA 17102 Lynn K. Chambers a/k/a Lynn Chambers, 124 West Portland St., Apt. 28, Mechanicsburg, PA 17055, Pro Se Defendant Michael'E. Chambers, 223 South York St., Mechanlcsburg, PA 17055, Pro Se Defendant - ~~ r"~ ,-~,." ~'" ~ '>0'>-" ~', ~. 'h;j~!!ki~, -, BANKONE, NATIONAL ASSOCIATION flk/a THE FIRST NATIONAL BANK OF CHICAGO, TRUSTEE, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND CO., PENNSYLVANIA NO. 01-7135 - Civil Term vs. MICHAEL E. CHAMBERS and LYNN K. CHAMBERS a/k/a LYNN CHAMBERS Defendants CIVIL ACTION - LAW IN MORTGAGE FORECLOSURE PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT AND NOW, comes the Plaintiff, BankOne, National Association flk/a The First National Bank of Chicago. Trustee, through its Servicing Agent. Homecomings Financial Network, inc., and by its attorneys, Purcell, Krug & Haller, and files the within Motion for Summary Judgment, and avers in support thereof the following: ,1. This action in mortgage foreclosure was originally instituted in the Court of Common Pleas of Cumberland County by Complaint filed to No. 01-7135-Civil Term on December 20,2001. 2. The Defendant, Lynn K. Chambers a/k/a Lynn Chambers (hereinafter "Defendant") filed an Answer with New Matter to Plaintiff's Complaint on January 31,2002. 3. The Plaintiff filed a Reply to New Matter. 4. In her Answer, the Defendant admitted Paragraphs 1, 3, 4, 5, 6, 8, 9 and 10 of Plaintiff's Complaint. 5. The Defendant denied Paragraphs 2, 7 and 11 of Plaintiff's Complaint which averred as follows: 2. Defendant, MICHAEL E. CHAMBERS, is an adult individual, whose last known address is 223 SOUTH YORK STREET, MECHANICSBURG, PENNSYLVANIA 17055. Defendant, LYNN K. CHAMBERS A1K/A LYNN CHAMBERS, is an adult individual whose last known address is 223 SOUTH YORK STREET, MECHANICSBURG, PENNSYLVANIA 17055. 7. The Mortgage is in default due to the fact that Mortgagors have failed to pay the installment due on May 01,2001 and all subsequent installments thereon, and the following amounts are due on the Mortgage: UNPAID PRINCIPAL BALANCE $71,781.61 interest at $21.83 per day From 04/01/2001 To 01!01/2002(based on contract rate of 10.9500%) 6,003.25 387.29 Accumulated Late Charges ..~ . "' ,- - .t-;,fu:NnAu\%,,,",,,,o:c; \ Late Charges at $34.47 From 05/01/2001 to 01/01/2002 275.76 Attorney's Fee at 5% of Principal Balance TOTAL 3.589.08 $82,036.99 **Together with interest at the per diem rate noted above after January 01, 2001 and other charges and costs to date of Sheriff's Sale. The attorney's fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and will be collected in the event of a third party purchaser at Sheriff's Sale. If the Mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged that are actually incurred by Plaintiff. 11. Plaintiff has complied with the procedures required by Pennsylvania Act 91 of 1983 (Homeowners' Emergency Mortgage Assistance Payments Program) and Defendants have either failed to meet the time limitations as set forth therein or have been determined by the Pennsylvania Housing Finance Agency not to qualify for assistance. 6. The Defendant's Answer to Paragraphs 2, 7 and 11 reads as follows: 2. Disagreed. Although Defendant Michael Chambers does reside at 223 S. York Street, Defendant, Lynn K. Chambers resides at 124 W. Portiand Street, Apt 28, Mechanicsburg, PA 17055. 7. Can't be answered. Defendant Lynn K. Chambers was not informed as to what 'exactly was owed. Co-Defendant Michael Chambers refused to give her information, as well as Homecomings Financial. Several calls were placed to mortgage company with inquiries as to status of mortgage, as well as written inquiries. All were unanswered. 11. Disagreed. Defendant Lynn Chambers was told that she must be physically residing at 223 S. York Street address in order to apply for this program. Defendant Lynn Chambers has not lived at residence since February 2000. 7. In her Answer to Paragraph 2, the Defendant clarified that she does not reside at the property subject to the Mortgage, but that the Co-Defendant does live at the property. 8. In response to Paragraph 7, the Defendant generally denied the fact of default and the amounts outstanding, claiming to be without sufficient information to respond to the Piaintiff's allegations of the delinquency because the Co-Defendant, her ex-husband, refused to provide her information. 9. In response, the Plaintiff verifies in its Summary Judgment Affidavit that both Defendants are in default and includes in its Affidavit filed concurrently with this Motion, the amounts necessary to both reinstate and payoff the account. 10. In Paragraph 11 of her Answer, the Defendant denied Plaintiff's allegations that it complied with the Notice provisions of Act 91 of 1983 and that the answering Defendant did not qualify for Act 91 mortgage assistance. 2 ~J\;' > 11. The Defendant "disagreed" with the Plaintiff's averments indicating that she "was told that she must be physically residing [at the property subject to the Mortgage] in order to apply for this program. Defendant, Lynn Chambers has not lived at residence since February 2000." 12. The Defendant is correct. According to the Pennsylvania Regulations covering the Homeowner's Emergency Mortgage Assistance Program, the Defendant could not have qualified for mortgage assistance, since the property securing the mortgage is not her principal residence. 12 Pa. Code !l31.202(a)(3). 13. The Plaintiff verifies in its Affidavit that it did send Act 91 Notices dated October 12, 2001 to the Defendants, by certified mail and regular mail, postage prepaid, addressed to their last known addresses. True and correct copies of the combined Act 91 Notices are attached to the Plaintiff's Affidavit. 14. In her eleven paragraphs of New Matter, the Defendant raised as affirmative defenses her personal Bankruptcy discharge, as well as the Co-Defendant's assumption of the Mortgage payments according to the Defendants' divorce proceedings. 15. The fact that the answering Defendant was personally discharged from any liability or that the Co-Defendant was to make payments in accordance with the divorce proceedings does not preclude the Plaintiff from seeking an in rem judgment in the foreclosure action. 16. The Defendanlis still identified as an owner of the subject premises by virtue of the Deed dated September 25, 1998 and recorded on October 1, 1998 in Book 186, Page 485, piacing title into the joint names of Michael E. Chambers and Lynn K. Chambers. 17. Pursuant to Rule 1144(a)(3) of the Pennsylvania Rules of Civil Procedure, the Defendant is properly identified as a party Defendant due to her status as a co-owner of the property subject to the Mortgage. 18. Upon Affidavit filed concurrently with this Motion, the status of the mortgage payments made to and received by Plaintiff is verified and reveals that both Defendants are in default under the terms of the Mortgage and that no cure has been effected by either Defendant. 3 <, """'"'l.~h.- . 19. The Affidavit further indicates that Plaintiff is the owner and holder of the Mortgage Note dated September 25, 1998, executed by the Defendants in the amount of $73,000.00 for real estate situated at 223 South York Street, Mechanicsburg, Cumberland County, Pennsylvania, of which the Defendant is one of the record owners. 20. By reason of the Defendant's foregoing admissions and the documentation of defauit without an allegation that the default has been cured or documentation thereof, there is no longer a triable issue of fact or law. 21. There being no defense to Plaintiff's Complaint, judgment should be entered in favor of Plaintiff and against Defendant, Lynn K. Chambers a/k/a Lynn Chambers. WHEREFORE, Plaintiff requests this Honorable Court to enter an Order granting Plaintiff's Motion for Summary Judgment against Defendant, Lynn K. Chambers a/k/a Lynn Chambers. RespectfUlly submitted, . Wineka, Esquire A rney I D # 58802 Leon P. Haller, Esquire Attorney I D # 15700 PURCELL, KRUG & HALLER 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 Attorneys for Plaintiff Dated: & II q 102.. 4 _.'-" i!!1<if.~~~",-',: " '. CERTIFICATE OF SERVICE I, Barbara A. Shadel, an employee of the law firm of Purcell, Krug & Haller, do hereby certify that I selVed a true and correct copy of Plaintiff's Motion for Summary Judgment upon the following by depositing same in the United States Mail, First Class Postage, Postage Prepaid, addressed as follows: Lynn K. Chambers a/k/a 124 West Portland St., Apt. 28 Mechanicsburg, PA 17055 Michael E. Chambers 223 South York Street Mechanicsburg, PA 17055 Pro Se Defendant Pro Se Defendant fJuu..k-f.tA-A- (; . cd -'~ Barbara A. Shadel . Dated: (p },<O / /) ::L (fcl\h-comings\chambers\SJ Motion) liHlmilUKifJl. w.u ",.-. "-~"'1iII~~i~~0UI"ili. r._jjilh'll'~- r,( t7 e.1'-~ Mf."i:'~k""IA,;~1~~!Uh~,_J~J :~~Jtr__bU_",+c"_' L__JmIL"'\'~';;h~"-'fM,__-,:"~J._,:~,;>",,";hLJJ1),,,,,_.JI_~,l~Jf_:(ib'."'--''"J.__-_A!f",1~,,:_;: ,~."-" -- n~_~" _~_~ _, . __ >' __ ~~~*_,_ ,__, o l)l~ gJi'T! -- . E;~ ~~~--- ~f~ ,>-, 0:.';"';--) ~!~~ >-, ,,," --j -::; ~, ,,'~,'~,,-,,~~~-,,""""',--..,,- , ~'"=~v " o l'~v f~~ ;~_1 ,"'-.J ,]} " !il '::) .-0.,' .-j -'-(, "'0 (,,) :.:.::! S -< ..- -" , . '"-~, "Ilt;;t~~;,; JI. BANKONE. NATIONAL ASSOCIATION flk/a THE FIRST NATIONAL BANK OF CHICAGO, TRUSTEE, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND CO., PENNSYLVANIA NO. 01-7135 CIVIL TERM vs. MICHAEL E. CHAMBERS and LYNN K. CHAMBERS a/k/a LYNN CHAMBERS, Defendants CIViL ACTION - LAW IN MORTGAGE FORECLOSURE MOTION AND NOW, comes Plaintiff, BankOne, National Association flk/a The First National Bank of Chicago, Trustee, through its Servicing Agent, Homecomings Financial Network, Inc. and by its attorneys, Purcell, Krug & Haller, and files the following Motion for Incorporation of the attached Stipulation: 1. MovanVPlaintiff, BankOne, National Association flk/a The First National Bank of Chicago, Trustee filed a Complaint in Mortgage Foreclosure on December 20, 2001. 2. The Defendant, Lynn K. Chambers a/k/a Lynn Chambers filed an Answer with New Matter on January 31,2002. 3. Plaintiff filed a Repiy to the New Matter on June 19, 2002. 4. Subsequently, counsel for the Plaintiff, with the appropriate authority, and the pro se Defendant, Lynn K. Chambers a/k/a Lynn Chambers signed a Stipulation, agreeing to the entry of an in rem judgment in favor of the Plaintiff, BankOne, National Association flk/a The First National Bank of Chicago, Trustee and against the pro se Defendant, Lynn K. Chambers a/k/a Lynn Chambers, in the sum of $83,404.26, together with interest of $19.84 per diem from April 1, 2002, pius any additional costs and escrow advances for taxes and insurance. The original signed Stipulation is attached hereto. WHEREFORE, Plaintiff respectfully requests this Honorable Court to issue an Order incorporating the terms of the attached Stipulation. J' M. Wineka, Esquire PI. omey ID # 58802 PURCELL, KRUG & HALLER 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 Dated: rI20/02. Attomeys for Plaintiff . .. BANKONE, NATIONAL ASSOCIATION flk/a THE FIRST NATiONAL BANK OF CHICAGO, TRUSTEE, Plaintiff vs. MICHAEL E. CHAMBERS and LYNN K. CHAMBERS a/k/a LYNN CHAMBERS, Defendants -, ~~,i~~j IN THE COURT OF COMMON PLEAS CUMBERLAND CO., PENNSYLVANIA NO. 01-7135 CIVIL TERM CIVIL ACTION - LAW IN MORTGAGE FORECLOSURE S TI PULA TI 0 N It is hereby stipulated and agreed by and between Jill M. Wineka. Esquire, Attorney for Plaintiff, BankOne, National Association flk/a The First National Bank of Chicago, Trustee and Lynn K. Chambers a/k/a Lynn Chambers, pro se Defendant, that an in rem judgment in mortgage foreclosure is to be entered in favor of the Plaintiff, BankOne, National Association flk/a The First National Bank of Chicago, Trustee and against the pro se Defendant, Lynn K. Chambers a/k/a Lynn Chambers, in the amount of $83,404.26, together with interest at the rate of $19.84 per day from April 1 , 2002, together with any additional advances for costs, taxes and insurance. Wineka, Esquire, Art ey for Plaintiff, BankOne, National Association flk/a The First National Bank of Chicago, Trustee Dated: rho 102- 1/2". · , m!lmklJ-- i Dated: 1- - ~ ~.", -- 0,'_ ,,-,,,'. ~'n~.-'~-: :~ ,. CERTIFICATE OF SERVICE I, Barbara A. Shadel, an empioyee of Purcell, Krug & Haller, do hereby certify that I served a true and correct copy of the Plaintiff's Order, Motion and Stipulation upon the following by depositing same in the United States Mail, First Class Postage, Postage Prepaid, addressed as follows: Lynn K. Chambers a/k/a Lynn Chambers 124 West Portland St., Apt. 28 Mechanicsburg, PA 17055 Michael E. Chambers 223 South York Street Mechanicsburg, PA 17055 Pro Se Defendant Pro Se Defendant Auj~JL_C~~ Barbara A. Shadel Dated: 'i/.20/0:J..- (fcl\h-come\chambers\Stip & Motion) ~~~~N-'Md;ttiii.{'ir)i<I!lti<lr~~~~","'~.d'.'l.'lUI.\;"'l;h<,"!,,;~,C_~';;.~""";',~!.'f.li,,,,,,,"'*,"","',":l'''','''M__<<i~____~- '6.. c.Y ~~~ ,:> ~:t ~ ~ t;-- - - ~ ;10 h t - w ll.) v.> ^- - ..., '^c.E -..p f - - (fl ~ - 8 a ~ s:' N rilOJ :too --I ..,.rn c: T ~:J::.1 <n ,1-i:n r;: 1',) f'- .C'fTl ;:$' ?~9 KC.' ",. "::iO 'l> ~~~ ~o :J:: )>0 c: i.f? c.m z ~ ~ i'> <:;) ::.0 -< -..J . _ .J1 .:" tJ,)"~."__.,.,,,,"_",,,,,~."",,_~ ,~" .'.='...,"h,_ ,-.".,. -___,"'-_,~~ ,~ _., ",'h'_~"__W _"__~o....+ ~. " _'_~~_'. ,~.", v _ <.'C "... ~ "" .,,~_ ~ ~ __~ ~."""",'"~_ ,I. 1._ _ _ 1II! - " ..,~ , ~ '1"'<' - ~ ',J-, > l-\if"'-" ,c< -" o\l<J~'~__ .. .. . AUG ~02 BANKONE, NATIONAL ASSOCIATION flk/a THE FIRST NATiONAL BANK OF CHICAGO, TRUSTEE, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND CO., PENNSYLVANIA NO. 01-7135 CIVIL TERM vs. MICHAEL E. CHAMBERS and LYNN K. CHAMBERS a/k/a LYNN CHAMBERS, Defendants CIVIL ACTION - LAW IN MORTGAGE FORECLOSURE ORDER AND NOW, this 5'"" day of '])~ . 2002, IT IS HEREBY ORDERED that the Prothonotary is directed to enter an in rem judgment in mortgage foreclosure in favor of the Plaintiff, BankOne, National Association flk/a The First National Bank of Chicago, Trustee and against the pro se Defendant, Lynn K. Chambers a/k/a Lynn Chambers, in the amount of $83,404.26, together with interest at the rate of $19.84 per day from April 1, 2002, together with any additional costs and escrow advances for taxes and insurance. BY THE COURT: Distribution: yJi" M. Wineka, Esq., 1719 North Front St., Harrisburg, PA 17102 vfynn K. Chambers a/k/a Lynn Chambers, 124 West Portland St., Apt. 28, Mechanicsburg, PA 17055, Pro Se Defendant 0Aichael E. Chambers, 223 South York St., Mechanicsburg, PA 17055, Pro Se Defendant V to-puD~ If( I\'J\S J~-O/,-O';J. ./li J. i~IiK'a'jf\l'~~~~li(4tY,.,J:,~t!j~",;;;Il,~J\w:;.~';J'''t<j~4",,;ir,:{Jl;J;,1i;i."-1,,-,,,,",~r;~,'~',,;:'iill,'-'~'i,,-_!:i;,r"A!'.ffl:JIj,,:MlIt~__""""''''''''"'''''_ ,II!I I LlUlII!l.l )/iN'V/\IASNN::Jd ,uNI !Oil n~!>!.'!J::]Q!I,ln'l . ~~l 'I J\./ "" I ::,;:,: nj~ f'_ "'0 -'n ,J J~I t..i ^C1V~~Of'~=:,(~~.J;_:.I_.~;i ,; 3,.A:!,:fU--i.Jj I!:J ~s r- _~~~"~" ."... ~"'<v '.~ h. <. "~""""'_,'~"'"="<'j~,,,,",~ ,." ' ., "".""'" "~."'. _""'~"'~_ "'."'^C' ""__'~"_' ,^,,..' ,,;',,'. _". ,.. ~,,_, "_ ___,. , ,,'.'_"_ "., _ " ^'. ~~-..<"c_''''; .~,.<" .. ... ,~" "'. . ~"Iu < "=<"!<I~.~j .. BANKONE, NATIONAL ASSOCIATION F/K/A THE FIRST NATIONAL BANK OF CHICAGO, AS TRUSTEE, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND CO. PENNSYLVANIA CIVIL ACTION - LAW NO. 01-7135 Civil Term VS. MICHAEL E. CHAMBERS AND LYNN K. CHAMBERS A/K/A LYNN CHAMBERS, Defendants IN MORTGAGE FORECLOSURE P RAE C I P E TO THE PROTHONOTARY: Please mark the judgment entered in the above captioned case satisfied of record. PURCELL, KRUG & HALLER By, ~ :~ ~'er m #15700 Attorney for Plaintiff Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 DATE: Februarv 6. 2003 .~~~iilMfi-W:_j~~~i'""~.'j",,,,,-j'1h',,,:,,;i-:"."-:d .,;:!;"~!,l;.*."~'lili~~~__;.!___~""""""'''''",,,f-'.{'':'~'~''''_"'_'''' ..1.111 ... . ~._ ",,,"'>>C,".",, , _'~~__ n""~._w"",,,'''~~:;''n ~~..,., _ ,. ,~"f.?e.-"" or_"."._~.,'~~ o ~ -;:,;i::;- [1-1:", -/-, -::::;;_. ~L -1:-'" f"' Z'-- u_..{-' )>C Z -~ -' -, ~, u_ M~. ~~ ..~o," -=--~.,,'_~'. _,_ ~.,,~_'".~~.,~"~~'_,.__^ ^~~ Q (..0 -" '.'1 CcJ t'J r;-: .r,:- ltJ .. ("'1 '::-Tl ;'\' ., Q " .-. ,,---CI ,'-1 :2 ~ _.~, ~, - .~,'