HomeMy WebLinkAbout99-00284
00_.. ,.~PA6__!IOC0102
DA~ptember 9, 1998
Gt ell/Ii/III
NOTICE OF INTENTION TO FORECLOSE
MORTOAGE UNDER SECTION 403 OF PA
Il(dlrl'if(tll!lI/."Il!l""!!9~4I1F (READ BOTH
PI\Gtl;s dfTlt~$ ~P'rtdE CAREI'ULLY.)
ROSE M WADLINGER
217 INDIAN CRK DR
MECHANICSBURG, PA 17055
RE, GE LOAN # 0011172368
PROPERTY 217 INDIAN CREEK DR MECHANICSBU, PA 17055
MORTGAGEg, G,E, CAPITAL MORTGAGE SERVICgS
The Mortgage held by the above named Mortgagee (hereinafter we, us, or
ours) on your property noted above is in serious default because you have
not made the monthly payments as noted below under (a), Late charges under
(b) and other charges, if any, under (cl noted b~low, have also accrued to
this date. The total amount now required to curs this default as of the
date of thi& letter, is noted below under (e).
(a) 070198 thru 090198 iii $832,96/month $2,498.88
(b) Late charge (s) I $188,66
(c) NSF ah~ck charge(s) , .00
(dl Less: Crecti t Balance 156,55
(e) Total amount required as of this date, $2,530.99
You may cure this default within TIIIRTY (30) days of this letter by paying
to us the amount undsr (e) above, plus any additional monthly payments and
late~harges (and other charges) which may fall due during thiD period,
Such payment must be either by caah, cashier's check, certified check, or
money order made payable to G.E. Mortgage servioes, 625 Maryville Centre,
St. Louis, MO 63141, Attention, Cashiering Department,
If you do not cure the default within THIRTY (301 days, we intend to
exetoise our right to accelerate the mottgage payments. This means that
whatever is owing on the original mortgage amount borrowed will be
considered due in~ediat.ely, and you may lose the chance to payoff the
original mortgage in monthly installments, If full payment of the amount.
of default is not made within THIRTY (301 days, we also intend to instruct
our attorneys to start a lawsuit to foreclose your mortgage property. If
the mortgage is foreolosed, your mortgage property will be sold by the
Sheriff to payoff the mortgage debt. If we refer your case to our
attorneys, but you curs the default before they begin legal prooeedings
against you, you will have to pay the reasonable attorney's fees actually
c.)\till.1\1 "
DD~~A6 NOC0102
DA"Pt;;;;;t;"r 9, 1998
GfCIIJlillI1
NOnCE OF INTENTION TO FORECLOSE
MORTGAOE UNDER SBCTION 403 OF PlI
~tf/pI'1<<t1'''tI''fl!J''''1'~''4!1' (READ B01'H
~Aq~~ O~ TalS ~OrXCECAREFULLY,)
EDWARD F WADLINGER
217 INDIAN CRK DR
MECHANlCSBURG, PA 17055
RE: GE I~AN * 0011172368
PROPERTY 217 INDIAN CREEK DR MECHANICSBU, PA 17055
MORTGAGEE: O,E, CAPITAL MORTGAGE SERVICES
The Mortgage held by the above named Mortgagee (hereinafter we, us, or
ours) on your property noted above is in serious default because you have
not made the monthly payments ao noted below under (a), Late charges under
(b) And other chargos, if any, under (c) noted below, have also aoo~led to
this date. The total amount now required to cure this default as of the
date of this letter, is noted below under (e),
(a) 070198 thru 090198 (j) $932,96/month $2,498.88
(b) Late charge (s) : $198.66
(c) NSF check charge(s) : ,00
(d) I,eSSl Cr'edi t Balance 156 , 55
(e) Total amount required as of this date, $2,530.99
You may cure this defsult within THIRTY (30) days of this letter by paying
to us the amount under (e) above, plus any additional monthly payments and
late charges (and other charges) which may fall due during this period,
Such payment must be either by cash, oashillr's check, certified check, or
money order made payable to O.E. Mortgage Services, 625 Maryville Centre,
at. I,ouis, MO 63141, Attention: Cashiering Department,
If you do not cure the default within THIRTY (30) days, we intend to
exercise our right to acoelerate the mortgage payments. This means that
whatever is owing on the original mortgage amount borrowed will be
considered due immediately, and you may lo.e the chan~e to payoff the
original mortgage in monthly installment.. If full payment of the amount
of default is not made within THIRTY (30) day., we also intend to instruot
our attorney. to .tart a lawsuit to foreclose your mortgags property, If
the mortgage is foreclooed, your mortgage property will be sold by the
Sheriff to payoff the mortgage debt, If we refer your case to our
attorneys, but you cure the default before they begin legal prooeedings
-'~-.
EXH16lT A
ag., ,l: you, you will have to pay the reaoonavle attorn"y'" 'fees aotually
in up to $50,00, However, if le9al procendings are otarted against
yau, . 6U will have to pay the reasonable attorney's fees even if they are
over $50,00, Any attorney's fe"" wll.1 be added to whatever you oW/lf'#!tIllillll
which may also include OUr reasonable Clooto, If you cure the default
within the THIRTY(30) day period, you will not be re,~ired to pay
attoruflY I Jj fees. (il (,'il/II(;II MlIllflo'Hfll SI'II'in!.~ IIn'
Also, we may oue YOll peraonally for the unpaid principd balance, and all
other sumo due under the Mortgage,
If you have not cured the def&ult within the thirty day period, and
forecloauro proceedings have hegun, you will sUll have the right to cUre
the default and prevent the sale at. any time up to one hour before the
sheriff's foreclosure sale, You may do so by paying the total amount of
the unpaid monthly payments plus any late charges, charg"s then due, as
well as the reasonable attorney's fees and costs connected with ths
foreclosure sale (and perform any other requirements under the mortgage) .
It is estimated that the e..rUeat date that such sheriff 1 s sale could be
held would be approximately FIVE MONTHS FROM THE DATE OF THIS LETTER.
A notice of ths date of the sheriff's sale will be sent to you before the
sale, Of coura", the amount needed to cure the default wJ,ll increase the
longer you wait, You may find out at any time exactly what the re~lired
payment will be by calling us at he following number:1 (800) 317-4322 , This
payment must be in cash, cashier's check , certified check, or Inoney order
and made payable to us at the address stated above,
You should realize that a sheriff's sale will end your ownership of the
mortgaged pro~erty and you~ right in it. If you continus to live in the
pl'opert~' after the sheriff's sale, a lawsuit could be started to evict
you.
You have additional rights to help protect your interest in the property,
You have the right to sell the property to obtain money to payoff the
mortgage debt, or borrow money from another lending institution to payoff
this debt (you may have the right to sellar transfer the property subject
to the mortgage to a buyer or transferee who will assume the mortgage
debt, provided that all tho outstan~ing payments, charges, attorney's fees
and costs are paid prior to, or at the sale and that uther requirements
under the Mortgage are satisfied), Contact us to determine under what
circumstances thio 1'1ght might exist. You have the right to have this
default cured by any third party acting on your behalf,
If you cure the default, the mortgage will be restored to the same
position as if no default had occurred. However, you are not entitled to
this right more than three times in a calendar year,
Very Trul y Yours,
11172368
Kristy Allie, Loan Counselor 1 (800) 317-4322
The following disclosure is required by applicable federal and state law
for certain loans that we service: This con~unication is from a debt
collector and i9 an attempt to collect a debt; any information obtained
will be used for that purpose,
L':XHIBlT A
.
TO(Jl.!TUER WITllalllhe 1II11lf11Velllellb now or hereafter erecled on Ihe properlY, and nil ea,elllenlS, upl,unen"nee"
and fl~lure' now or helllilller iI pilrtof Ihe Iltol"I1Y. All replucclIlenlS und uddilioos shlllllllsll be envered hy Ihls Securily
InSlrum.llI, All of the foregoing Is rdOfTed 10 In Ihls Securily IrlStnllnenl ilS lire "I~operly ," .
f10RRoWtm COVENANTS Uull 1I0rrower is lawfully seised of lire "'laic hCf"hy "lIns'eyed an.\ hus Ih,' righl 10
mortgag", grnnl unll l'Onvey Ih,' l~o""r1Y und Ihal U", Property IS uI",nculIIl"r<"1. "~cerl for enClullhrances 01 r.enrd,
Borrower warlllnlS ill\lt will doof"nd ~t"'erally III" tille 10 Ihe l'rol""ly agulllsl ull c1uillls al1ll lIellllllllls, sllhJeel \<I allY
encumbnuH':cs (If rcclud.
TIllS SECURITY INSTRUMENT colllhilles IIl1ifmlll COVellllllls I'm nUliollal US" illld I1IltHlnlforln ""venan" wilh
Iimitrd vurialiufls hy jurisdiction 10 constllUll'll u1\ifnnH sc(,'uriIY instrument rovmil1g real ('lllpcrty.
UNIFORM COVENANTS. Borrower ulllll.elllkr cov"nanl and agrt'e lIS follllws:
I. PYymenl lIr I'rindl.ul und Inlere'li I'repuyrnenl and I.ale Chul'ges, Borrower shall prolllplly pay when dlle the
principul of alld IllIeresl onlhe de hi evideilcl'd hy Ihl' NlI'" and allY prepuyml'lII and lall' charges dol' IInder Ihe NOll',
2, f'unds for Taxes and Insuranl'e, Suhjel'llo ilpplil'ahle hII' or 10 a wrinell w'lIver hy Lender, 1I001Ower shall pay 10
Lender on Ihe day 1II0mhly paymenls arl' dlle under Ihe NOle, alllil Ihe NOle is pilid In full, II S\llll ("I'unds") for: (iI) yeurly
laKe, and assessmenls which mllY nltalnpriorily over Ihis Securily Instrumenlas II Ii,'n onlhe Propeny: (b) yenrly lea,ehold
paymellls or ground renlS nn Ihe Pro""ny, if any: (C) yearly hlllllrd or ptopeny insurane<' premiums: (d) yellrly flood
in,uranee premiums, if any: (el yellrly IllOrlgilge insurance premioms, If IIny: and (t') any ,ums payable hy Borrower 10
Lender, In ",'cordance wlih Ihe provisions of parngtilph K, in lieu of Ihe puymenl of n"'ngage insurnllce premiums. These
lierns "re elllled "Escrow hems." Lender milY. ulany lime, colleclllnd hnld Funds III 1111 amOUlll nOII(l eXI'eedlhe maximum
amount a lender for a fcdc~rally flJlalcd rnongugc 1m," may rcqulfl' I'm Borrower', escrow IIlTO..IIl( \Indt~r the federal Renl
E~tllte Seltlemelll Procedures Acl of 1974 a" nmended from lime 10 lime, 12 U,S.C * 2601.'1 ';('If. ("RESPA"), unle:" ilnother
law thai applies 10 the Funds sets a lesser amollnt. If lOll, Lender may. at any Ilflll'. eollt:ct llnd hold Funds in un amount not 10
exceed Ihe lesser amOUllt. Lender IWI\' estimate Ih(,~ al110UnI of Funds dill' till the basis of current dalu and reasonable
eSlimalcs of cx.pcnditures of future Escrt;~~, Items or otherwise in IlCcnrd.lIlCt~ wilh applit'llhlc law.
The Funds shull he held in an IlIslJllItiol1 whose deposits Me.' 1l1Slll'l~d hy 11 federal i1pcncy, inslrumcnti\IIIY. or entify
(Including Lender, if Lender is such iln IIlSIIlUllon) IIr In any Federal HOllle Loan lIank. Lender shall apply the Funds to PilY
Ihe Escrow Items. Lender may nol chargl' Borrower for holding ilnd applying Ihe Funds, ilnnunlly Ilnalyzing Ihe ,,"crow
account, or verifying the Escrow Itellls, unless Lender pays 1I0rrower Inleresl on Ihe Funds and IIpplicllble lull' permils
Lender 10 make stich a charge. Howcvcr, Lender muy require Borrower lO pay a om~.limc dHugc for 1111 independenc real
eslate ta~ reponing ,ervice used hy Lender in cOllneclion wilh Ihis IOiln, unless appllcahle law provides olherwise, Unless an
agreemelll is 11IIIde or applicable law requires inlCresl to he Pllid, L.ender shllll nol he required 10 pilY 1I0rrower any illleresl or
eamings on Ihe Funds. Borrower IInd L.ender IIlIlY IIgree in writing, however, Ihal inleresl shllll be pllld onlhe Funds. Lender
shall give 10 Borrower, wlihoul ehllrge, iln ilnnuilluccounung of Ihe Funds, showing credils IInd dehllS 10 Ihe Funds IInd the
purpose for whkh each dehll 10 Ihe FUlllh Was made. The Funds arc pledged as IIddilional securily for all sums secured by
Ihis Security IlIsl",rnenl.
If the Funds held hy Lendrr exceed Ihe amounts pennilled 10 he held hy ilpplicllble IIIW, Lender shall IICCount tCI
80rrower for Ihe e~cess Funds In accordllnce wllh Ihe req\llrelllellls of appllcahle IIIII'. If the alllO\lnt of Ihe Funds held hy
Lender at any lime is not sufficient In pay the Est'Ww Items when due, Lemlcr IIlUY so notify Borrowcr in writing, and, in
such case Borrower shllll pay 10 Lender Ihe allloulll nece\SlIry 10 rnllke up Ihe deficiency. Borrower shllll mllke up Ihe
deficiency in no Illore Ihllnlwelve Illolllhly pllylllents, ill L.ender's sole discrellon.
Upon pllyment in full of 1111 sums sec\lred hy Ihls SeeurilY InStrumelll, Lender shllllpromplly refund 10 f1orrower any
Funds held hy Lender. If, under pllragraph 21, I.ender shallllc,!uire or selllhe Properly. Lender, prior 10 Ihe ilcquisltion or
sale of Ihe Pro""ny. shllllllpply any Funds held hy Lender al Ihe lime of acquislllon or sllle as a credll IIgllinsl Ihe sums
,ecured hy .his Securily Inslrurnent.
J, Application of Paymenls, Unless IIppllcable law provides olherwlse, all pllymenls received hy Lender under
paragraphs I and 2 shall he ilpplied: firsl, 10 IIny prepaymelll ehllrge', due under Ihe NOle: second, 10 amoullls pllYllhle under
paragraph 2: Ihird, 10 illlereS! due: founh, III principal due: IImllllsl, 10 any laic ehllrges doc und,-r the NOle.
4, Charge.; Liens, Borrower .\hilll PIlY 1111 laxes, IIssessments, chilrges, fines and Itnposilions attrihulllble 10 Ihe
Propeny which mllY attllin priorilY over Ihis SecurilY Instrllment, and leilsehold pllymellls or ground rems, if any. Borrower
shall pay Ihese ohllga!ions inlhe mauner provided In piltllgraph 2. or if nOlpaid In Ihal IIlllnner, Borrower shllll pllY Ihern on
lime direclly 10 Ihe person owed payment. !lorrower shllll prnmplly furnish 10 Lender allnolices of amoullls 10 he pllid under
Ihis parllgraph. If Borrower makes these pllymellls direclly, Borrower shallpromplly furnish 10 Lender recelpls evidencing
Ihe payments.
Borrower .\hllll promptly discharge IIny lien which has priorily o\'er Ihls Securily Inslrumelll unless Borrower: (III agrees
in wriling 10 Ill(' puymenl of Ihe ohligalion secured hy Ihe lien in a mllnner acceplable to Lender: (h) cOlllesls in good filith the
lien by, or defends agllinsl enforcemenl of Ihe lien In, legal proceedings OJlhlch In Ihe Lender's opinion operate to prevenllhe
enforeemelll of Ihe lien: or (c I secures from Ihe holder of Ihe lien an agreemelll salisfactory III Lender subordinating !he lien
to Ihis Security Instromenl. If Lender delCmllllcs Ihill allY pun of Ihe Propeny iSSl,oJecllo iI Iiell which mllY allain priorilY
over Ihis SecurilY Instrurnenl, l.tnder lllay give Borrower II lIolice identifying Ihe hell. Borrower shull s811sfy Ihe lien or luke
one or more of lhe aClions set forth "tH.Wt~ wilhin 10 days of the glVIn~ of notice.
S. Hazard or Propnly Insurance, Borrower sllllll keep Ihe ll1\provernelll.s now e~Isllng or hereut'ter erecled 01\ Ihe
Propeny Insured agllinsllos' hy fire, hali!rds induded wilhlulhe tenn "e.,wllded coverage" und any olher hazards, inchlding
noods or flooding, for which Lender requites IlIsurance. This IllSUlllllCe shall he malnlallled III the illIlOUnts und for the
~~Q~.t131 rAC~ 56~ FnrmJO~\9 9/90 fl'l/l!t'2 o!r'f'tl.llr,tJ
lJl'rimh, Ihal I.t'IHIN I"'-'qu in'''' , The lIl...urulln' l'lllrll'r pro\'HIiIl~ IiiI.' Il\'.urum't' shalllw rljtI~l'l\ h~' BorlllWl'!' \uhjCt'llo I.cndcr'loi
allPru\'ul wllldl ...Ilalllwl hl' \lIl1'l'ltSOllllhl~' Wllhllt'lIl, It' lion-owl'!" Illlb; IOl1lullHnln \'O\'('nl!!l' dl'sniht'd ahO\ll~, 1.(1ndcl' lilt')', III
l,ml(l('t'~ l'plll"I, (Ihlllln (,{I\,(.rltf!l' 1t11'1t)ll~rll.L'IHll~1 \ n~!III~ in II\(' Iln11lt'rly III lIcL'llI'llalll'l' wilh pllfllt.!nlph 7,
All ill\urIUH'l1 polid(~'" lint! ft'lh'wal... 'ihall hI.' an't'llIilhk tll Lt'/idN HlIlI shull mdudl' It 'ilalldimllll(,I1~llgl' dutlsc, Lender
..11.1\11 li;l\'t' lhl.' righl hI hold tht' "tIlidl'~ 111111 n'lll'wals, If 1.1'll\h'l H'ljUlrl''l, Borrowtr shalll'l'Olllptl~' ~ivl' III Ll'lIdClllll I'twclpts
Itl puil! pn'IIlHIIII't and fl'I\('~~'"lll(ltlrl's, III lht' ('\'l'1I1 01 loss, 1I00W\H~ll;hilll ~I\,(' pHllllpl lIollvl' 10 Ih(' IIl\UnUll'l' l';uricr IUUJ
Lt~lldl'r. t.l'IHII~r llHl~' 11I!1~1' prtllll 01 loss If lIo11llllde promplly hy BmW\\'l'f'.
Unlcss 1.1~lJdn U1ul BOmt\l,fl'r olhclWISl.' a.!.!H'l' ill \1.,'1 I lill/-! , in"'Ul'lllll'C PI\Il'l't~d.. ..hull hl' ill'pliel.l 10 H'~lurutjtlll or rcplllr of
Ihc l.ropl~r1Y tlaIlHI~!(,(l. It IIil' rcslmiltioll 01 Il'llilll IS l'COIIOIllIl'illly ll'a'ilhle illld I.l',\(lt~r's 'il'l'udIY is 1101 lessened, If the
I'l'sluwtioll or n'pair is 1101 crfl1lO1l1l(1I11y kasihlt, (If' Ll~ntler's 'il'l'Urlly would Ill.' Ic""t.'rwd, the ill!illrUlH'l~ I'HIl.'ccds shull he
applied to llll.' stllns SI.!l'urcd hy Ihb Sl'l'lIliIY III!'ilrUIlll'fll. whethcr III nol Ihell dul.', wilh 1111)' (~Xl'C~,!'. paid to Borruwer. If
HOrl'OWN lIhmulllf1\ Ihl' Propcrly, or doc, IItIl IIllSWC!' wilhin .~o dllY'" II IllltIL'l' fmlll l.l'mlt'f that lhc insurlllll.'c \:l\rrler hilS
offen.'" to 'il~lllc II l'lllill\, Ihell Ll'lIdc, may l'ollecl Ihl' in"UrlIlIl'l' prorCl'd~i, I ,(,flder mn)' USI' the proceeds 10 rCl'uir (lr rcstore
lhe Propl..-rly or 10 pH)' stllm Sl~l'url'lI hy lhls Sccurity IllSlI'UIlII.'1l1. whl!lIHH or f\ulthen dlll', '1'11(' ,~O.dllY period will hc~in when
the nOlil'(' i... given,
Unll's!'. Lt~ndl'r and Ilorrml.,'(:r lltlll:rWISl' llgl"l'C ill \\TllIlIg, allY applicalion of prm;ccds to principal shull not cKlend or
postpone till' dUl' date of Ihl' llHJlllhly pltYlllcnl~ rl'fl'rrcd 10 ill paragrllphs I und 2 01 change Ihe alllount of the payments, If
under pllfltgraph 21 Ihe !'wpcny i'i Ill'tluirt,'d hy 1,I.'l\dt'r, Borrower's right 10 ilny insurance policies llnd proceeds rcsuhing
from damage In llll' ProperlY prior 10 the ilcquisition shall pa;.\~ to Ll'ndcr to Ihl.' e.\tl'nt of Ihe slims s~l'urcd hy this Security
InS1rumCnl inllnediiul..'ly IHim hI the ucquisili(lII,
6, O~eUplll1e~.. "resen.ll,,", M.IIII"'''I'''''' alld "r"te<'II,," "I' the I'r"pert.1': Il"rr"wcr's 1,".11 ApplleDtl,,"!
Leaseholds, Borrower shull O(.'l'lIPY, l'slahlish, alld \1St,' thc Property liS Borrml/cr's prim:ipul residence within siKty days aflcr
the C,\Cl'utlollllf Ihi!'. Set'Unl)' Instmll1cnl IInl! ..hllll l'OntillllC to llt'CUpy the Property us Borrower's princip.lI residence ror at
lellsl Oil(.' year after the dill" of occupancy, unlcss Lender otherwise agrCt~s in writing, y.'hieh consenl shull not he
unreu..onilhlv withheld, or lInll'ss eXIl'lHmtlllc l'm.:UlllsllIm'es l',ist whidl arc tlt.'\'ond Borrower's rontrnl. Borrower shall not
destroy, dltllHll~e or il1lpllir Ihe Pr(lpl~rlY, aUn'w the Property 10 d~lerinratc, or {'(~rnmil Wasil' on the Property, Borrower shull
he in dcfiHlll if lIny rprfeilUll' Jlctioll or pflll..'cl'ding, "'h('tlll'r ~'i\'il or ('filll~nlll. i~ hegun IhuI in Lcnuer's good fuith judgment
t'uuld re<;ull ill forfeiture tit the Property or otherwise malcrllllly impair Ihe lien crcattlcl hy this Sec'urilY Instrumenl or
Lcndcr\ ,\el'Ul'ily intl'rc,l. Borrower llIay ClIrC SUdlll dcfilullllnd reinstllle, as provided in purugr<lph 1 N, hy t'uusing lhe action
or pHu:ceding 10 he dismissed with II rulinp Ihal, in LelUlt:r\ good faith delcrmination, prccllldc~ forfeiture of lht,' Borrower's
intNcst in the Propeny or other materilll impaifllwnl of the Iiell created hy this Sccurily Instrumenl or Lender's security
interest, BOrHl\vl'r shall 1Iho N' ill dcfmllt if Borrm,,'('r, dllfin~ the loan "pplication process gilVI.' malcriully false or
inaccuratl' illfnrlllillioll or sHllcmelllS 10 I.ender (or failed to provide Lender with uny lTlut<.'rilll inforrnutionl in nmnection with
the loun ('vldenn'd hy Ill{' Note, Including, hUI nnl limited 10, repre~;cnHlcjons l'oncerning Borrower's occupancy of lhe
ProperlY'" u principIII residence. 1IIIIIs SccurllY InslrUmc'1l is on II leusehold, Borrower shall comply wilh ullthe provisiolls
of tilt' leuse, If Borrowcr al'4uifl~\ rl~e lilll' 10 Ihe Properly, the ICl\schold llnd the fee litle shall nOllllcrge unless Lender agrees
10 Ihe merger in writing,
7, Prnterllun uf l.ender's Rl~hts in HI{' I)rnpcrl~', If Borrower faib to pCffom\ the covenunts nnd agreements
l'ntlluincd in thi" Sel'llrily Instrlllllt.'nl. or Ihen' b il k~',al proceedillg Ihut may si!;nitkuntly affect Lender's rig his in the
Propcny tSlh,:h as a prot'cedillj! III hHflKruptcy, prohatc. for l..'ondernlllllioll or forfeiture or tn enforce hm!s or regulations), then
Lcnd(~r Illay do lllld pay for whall'v('J' I.. n(,(,I.'~sary 1tI prott'rl thc value of tht Property and Lender"" righlS in the Property,
I.ender\ lIctlons may IIldudL.: paYIllj! !lny ~lllll~ sl.'cun'd hy iI Iiell whidl ha.. priorily over this Set'luity Instrument. appearing
In (.'ouI1, paYlllg H'asollllhlt' altOnll'Y\' ft.'I's and l'nlnlllg Oil Ihl' Propeny In lIlilKe rcpuirs, Although Lcnder may lake nction
under thi, pllrar.mph 7, Lender docs lIot havt.' to do so,
Any Ill110lmls dlshursed hy Lender under this parugraph 7 ..hall hCl'orne additional debt of Borrower secured hy Ihis
Set.'urity Instrument. Unless BorrnWl'r lint! Ll'lldl~r at-ll'l'(' 10 olher terms of payment. Ihl~se amounts ~hall hear interc~l from the
dale of dishursel1lcnl al lilt' NOll' rule and shall hl' Jlayahll~, with inlerest. upon nOlice from Lender to Borrower requesting
pUYlllelll.
H, i\fort~nMl' Insurant'c, If I.ender rl'quircd n1nrtgagl' insurance as u condition of making the loan secured by Ihis
SC{;uri1y Instrument. BOfHIW('f sh1111 pay Ihl' premiums l'l~quircd 10 Illllintuin the l1longugc insurance in dfcct. If, for any
reuson, the mOrl~wge IIISUl'ancr. {:overa~c f('quirl.~d oy l.ender lapses or ccaSC!i to he in dfeet. Rorrower shall pay the
premhill1\ wqull(~tl In ootam L'IlVl'filgl' suh..tall1ially I.'qui\'ulcnt 10 the mortgage insurunt'c previously in effect. al a cost
..uhslanliillly CqlllVlIh.'llt In the l:ust 10 Horrowl'r (If the rnortg.\ge insumncl' pr('viou~ly in effecl. from un 1I1tt'rnate mortgage
insurer ltl'prcw{'d by LL'mll1f'. If \Uhstllnllally l'(llIIVulellt mortgagc insurance covcruge is not uVililable, Borrower shall pay 10
Lender l'iK'h 1ll0111h II sum cqllulto onc.twl'lfth of the yearly mortpltgc insurance premium heing pnid by Borrower when Ihe
inslIrann' l'il\'t'ral-!{' lapsed Of ccased 10 hl' In l'ffel't. l.end!.'f will ~tccept. 1I.I,e mul rl'lain lhese paymenls as alms reserve in lieu
of mort~"gt' lIl~lJn"K'C, Loss rescrVt. plI)'lIWllrs may no I\lnger he required, al the opliun of Lender, if mortgage insurance
coverngl' tin lhl' itlllOllnlllnd for thl' (X'rind Ihat I.ender re4uirrs) provided hy an insurer ;Ippro\'cd by Lender again becomes
availllhll' i111l11'" oht;lIncd. Borrower !'.halll'41)' Itw premiums required to maintain mongage insurance in effect, or to provide a
loss rcservl.', umilllw requlrcm('nt for l1lortgag(' insurnw:e ends illllcn>rdancc with allY written agreemenl hclween 8orrower
and Lellder lIl11pplir "hie 1111".
9, Inspec.'tlon, Lender or ils IIgent may ma~e reasonahle entries upon l.tnd inspections of the Property, Lender shall
givt RorHP",'N notIce "I I he.' tlI11e of fir prior 10 un inspcclion specifying rellsonahl\: t'iluse for the inspection,
10, Cnndcmnatiun, "111c pHll'ccds of any llWilrd or ciaim for damllf-lcS, dirrcI or l'onseqU{.tlllul. in connection wilh any
SlIlglc brlll1) hm"it' Maf!ht'ddlt' ~h(' UNIHlRM INSTMtl~H:NT '" Ilnifnnn ('(!Venallh 9!9(J (I'/lllt.f oft. raNt,f)
1m, WM t1'ltllMt' fnnM, IIIC .
To ~ (;.11 HlOO!l.'IO-IJD3 CJ...u 111-""":11
~5"odJ31 iA~:
.
SE~
.
CnndCl11flUlinn or olhl'r lllklng tlf UII}' pitt! of Itll' Propt'rly. or for l'ollVUYUIH'(' inlil'u Ill' l't1IHll'lIl1111lioll, llrl' hcrchy lls!'Iignc:d Ilnd
shull he puld 10 l.ender.
In ,he e'elll of u IO,a' lII~lIIp 01 ,hc P"'pcrty, tll<' III"ccc<ls shull he uppli.,,1 ''I Ih(' "'"l' ,eeu,..,,1 hy this Seeurlt)'
Inslrumenl, whelher 01' 1101 Ihl'll dIH~, Wilh allY C.\l'l'" puld hI Uor-ro\H'1', III lhe l'velll of a purtia' IlIking l'f lhe Property in
which lhe flljr rnllr~('1 "llhlt~ tlllhe Propt.'fly illlllll'dillh'ly hclorc ltw IlIkill!! I!; tlqllullO or grruler thUlIlhc Ullwunl 01' the !\ums
Sl'etned hy Ihb Sl~\'lII11>' 111\11111111.'111 Il11ll1l'diull'iy hdme lilt' lltklllg, unk','i Htlfl'llWl'f i1lltII.Clltll'l' lllhcrwhl' l.I!!t\'C ill wrillng,
the ,SUIII.' ""'u,,,d hy this SCC'lIl1Y 11I'lrulllclIl shall hI' 'CdllCI'<I hy Ihe 1111I011111 of Ihe PlI"cc<l, IIIIIhipll,'<I IIy II", following
rn'l~lion: (Il) Ih(-' IOwluI1HHII11 tlf Iht' 1r1.11111~ 'tCl'UHHI illllllcdUllt'ly huron,- tlh~ lat.-lng, di\'ided hy (It) Ihe filiI' mllrket vulue of Ihl.'
Pruperty illllllcdiulcly tK'ftll'l' the lIIkill~, AllY Imlnnee shull he puitl to Borrower, III Ihe evenl of 11 p<lnial Illl;lflg uf lhe
Pml)Crty in whk'h lilt' fuir 1ll11l'kel vulu\' of the Properly illllllcdiutely hefore the laking i~ k....s Ihall the 11ltlOunt of lhe "urns
secured illllllcdillldy hefofe till' llt~illg, link...... Burrower LInd l.cmler ollwrwhl' Ilgh!C ill \\Tilillg III' unless applicahle luw
olherwi.~c providcs, the prol:et.'d" 'ihall hl~ applied to till' -'iUllh ...l'l'UI'l'd hy thi.... Sccurily InslrUIIlCllt whelher or lI(lIthe ~illIns arc
Ihen due.
If Iht.! I)mpcrty is ah.lIIdollt'd hy !iIlITower, or if, afler notice hy I.clldl'r 10 BlIrnmw Ihallhe l'lllldclllllor olTers 10 muk"
UIl llwurd or selllc ,ll'Iailll fill' damagcs, Bornm-'cr fails 10 re"'pulHIIO Lcndl'r wllhin ,\0 duy.. after the dutl' Illl' nOIii.'t' is given,
L.ender i.1i llulhorilcd to l'llllet.:l lIud apply till' prol.'eed..., III ils option, ciltll'l' to rl'stol'llliol\ or rep.ll!' of the PHlpcl'ly or In tht.'
sums scc.:ured hv Ihl.. Sl!c.:Ul'IIV IlIstrUIllt'nl. whclher or Ilollhcn lhH',
Unless Lcndl~r lInd Bo~rO\\'er othcrwi~c UgH"'l' ill wriling, uny .lpplit..'.llioll of prOl.:l'eds to rll'im:ipal shull IHI! cXlcnd or
poslpone Ihe due dall' of lhl.' IlHHllhly (laymeflts rdl'rn:d to ill pilragrilphs I and ~ or change Ihe i1IlHHIIlI of such pll)'mcllts,
11, BIlrrower No' Released; Jo'nrheurallce II~ I.endel' Nil' u Wahw, blell,11I1I IIf Ihe lime fo, paYII"'1II or
modificulion of umortililllOIl of the SlIllls ~cclln'd hy Ihis Sec.:urlly Instrlll11l~fll gmnll'd hy Lendl'r In any succes~ol' in interest
of Borrowcr Shilll not ope rail' 10 rdca.w Ihe liabillly of Ihe ori!!lllal HOlTnWl'l' or BOm)\\l'r.... Slll:l'CSSorS in imerest. Lender
shull not he rl'qllircd 10 (;OI1lI1ll'/"':l~ IH'Ol'ccdlng.. a~lIJ1lst allY \Ul'i.:CSStII' in illll~rl'st Ill' refuse 10 l'xlcnd lime I'm payment or
utherwisc modif\' 1II1lortinllllm of tt1l' SUIllS Sl'l'ul'cd hI 1111... Sel.'urlt\' IllslrullwlIl h\ rCil"on of all\' lIemUlld lIludc tw the llril.!inul
Borruwcr or Borrml,-'cr\ 'itll'l'l~s..m\ III Inlcrc"l. Any'forh\~ar,lI1l'-: h~ Lt'IHll'r inl:,XL'll'io.;illg all~ 'l'i11l\1 or rt:lllt'dy ~hall nOl~h(' II
wuivcr of or prt:chf(le thl'e:>;cl\:I'it' of any right or rcmedy,
12. SUCt.~essflrs and AssIJtI.... Ilnund: Julnt und Se,cl'ull"luhillIY; Cu...I~ncl's, 1'ht: t..'OVcllllllts and agrecmclIl't uf thi<.
Security In,"itrullIenl shull hind and' hent'fit lhl' sun.:cssors ;and ilssign~ of Lender .lIld Borl'm\'er, subjcct tll the provisions of
parugruph 17, Borrow(,'r\ covcnants and .Igrccmcnh shull hl' jOlllt .1Ild sc\'craJ. Any Bon'owcr who l.'o.signslhis SecurilY
Instrument hUl docs, f10ICXCCUlc the Note: (UJ is l.'llo'iigning this Securily Instrunwnt ollly to 111Ongllge, gram and convey Ihul
Borrower's interest in Ihe Prorcny under thl'll'f111... of this Securily Inslrumcnt: (h) is nol personally ohligalcd 10 PllY the sums
~ecurcd hy Ihis Security Instrumcnt; and (c lugrecs that Lendcr nnd lIlIY olhl'r Borl'Owcr lllilY agree 10 extend. modify, forbcur
or mllke any U(X'OlllnHHjlllions "'ilh regard III the Icrrn~1 of Ihb Security Instrumcnt or lhl' Note without thul Borrowcr's
consent.
13, I..olln Churloles, If 1111': loan sCl'urcd hy Ihi'l Security Inslrumenl i.. suhject tn a law whit:h sets mnximum loan
charges, iUld that In\\' is finully inlcrprl'led so thul Ihe inlt.:rest 01' ollwr loan charges ctlllel'l~~d or to hl' collc(;lcd in conneclion
with the 101.111 e,'\cceJ Ihe pcnnilh~d limits, tll~~n: la I any such loalll'hmgc shall hc reduced hy lhe umoUI,lllcl:essnry In reducc
the charge to the pcrmillcu limit; and (hi allY SUIl" all'l'.HJy t,.'ollcl'll'd from Borrower whkh t'\i.'~~ellcd pennilledlimits will ht'
refunded to Borrower, Lender may choose 10 lllilKe till" refund hy reducing Ihe prilll'ipal O\~cd lIndcr Ihc Noll' or hy muking u
direct puymcnt 10 Borrower, If a refund ft.'duccs prini.:lpal. thl' rl'duclion will he treall'd il\ a pilrlhll prepayment wilhoul uny
prepllYlIlenl ehurpe "1lller Ihc Nole.
14, Notices, Any nOlice 10 Borrower IHtl\'ldt~d for in Ihi.. SCl'urity Ifl'ilruIlH.'1ll sh.1I1 be ~h'Cil by dl'livcring it or hy
mailing il hy firsl i.:Ii.lSS mailunlc\\ Ilpplh,'ilhle jaw rC4uircs lI'il' of another I1lcthod, TIlt;' nutlet' 'ihullhe dircctl'd to the Propcn~
Address or nny olher addrt'ss Borrower dcsi~natc'i hy IlDlil'c 10 Lender. AllY nOllce \0 Lender shall hc ~ivclI hy firsll..'llIss
muil to Lender's udclres.'i slnled herein or ilIl)' ntlwr mJdrc..... Lendl'r designillcs hy nOliL'l' to Borrower. Any noth:c provided for
in this Securily Instrumcnt shall h~ dCl'l11ed 10 hllVl' het'Jl given 10 BOrrOW('f or Lendcr when givcn us provided ill this
pllrllglllph.
15. <'iuver'njn~ tUW! Sevt.!rahlllt,'" This SCCUI'ilY Instrumcnt shilll he go\'erned hy federal luw ;nul (he IIIW of the
jurisdiction in which lhe Propen~' is localed, In Itw c\'(:nl that any pwvisi(lll or clause of Ihb Security Imtrumcnl or the NOll'
conflicts wilh ilpplkuhlc law, such l'(IIl11icl Shllllllot afkl'l olher provisions of Ihis Security Instnlllwrll or the NOll' which cun
tx. given cffel'l "ithml! the cOllflkling provision, 1" 1I11" cnd lhc pm\'isltlll" of thi... Securlly Instrullll'nt and the Note urt.'
dcclan~d In ht.' !oicvcruhlc,
16. Hnrruwer's Cop"" Borrower 'iIHlII he given Onl.' (;onturmcd l'opy or the NOlL' and of Ihh SCl'llrlly Insll'Umenl.
17, Transfer of the "roperl) CII' a lIelll,Odallllleresl ill Borrower, If all or allY pari 01 the ProperlY or allY inll'reSl ill
il is sold or trullsi'erred (or il a henl'lklill 1 IlIl're... I III Borrower is sold or Iran..fcfl'cd and Borrowt'r i.. 1I0t iI Ilalurul person)
without Lender'" prior Wl'Illl'n l'Olhenl. Ll'lld~~r may, <II lis opllOIl, rcquirl' imllledi:lte paymcnl in 1'1111 01''111 SIlIllS st1l'lIred hy
1his Sl~cllrily InSlnllHclI1. HtlWC\Tr. 1111\ opllorl shallllot he e'\l'rci",~d hy Lcnder II e,'(l'rchc l'i protllhill'd hy lcdl'r,lIli1w UIi of
the dUll' of Ihis Sel'uritv In'ilrUmCnl.
If Lcnder cx.(~rl'is~'i llib optioll. l.l'IHh:r\,h.1i1 !!IV~' Ihu'fuwer nOlil'c 01 .11'l:dl'mtiol1, Thto' IHllleL' ...Iwll providl' a period (~l'
nOlle.ss than :W dll\'S fWmlh(' dltl~ Ilh' lIotll'l' I~ dl'llvercd or mailed \\-'Itlllll wtlkh HOllower musl pa~' all "illlll'i \l't'lll'L'd hy this
Security InSlnll1ll'I"11. If Borrowcr 1.lib 10 pa~' Ihl'''il' ..wns prillr 10 Ihe e,'pilillioll of lhis period, I..cndl'r Ill"> ill\'o~e un)'
remedies pennittl'd hy thi.. Sl~l'urilY Inslrulllclll without further notice or deman,d Oil Borrower.
IN, Borrowe..'s Right III Relnslnfl', If Borrower l1lel'l'i l'crtalll condlllon\, Borrowt~r shall h,IVC till' fight 10 hnve
enfnrl'emclH of Ihl.. Scrllnl)' Irhlnll1Wll1 dl'il'OllllllUCd at any lime prior 10 till' earllcr of: fa)) day'i lor such olher periud.1Ii
.slll~'k hlrl"h . hilmII' \Iill'.rl'ddlt, 'lilt' "'II-'OM\II"lSTR1\":'l 1i!\llurlll (uVt'II,lIlb QIII(I 'I'(/l'i'./'" (I "II~I'\ I
ud131 i~LE S7lJ
apJlllcllhl1' 1111'1 moy """'Ify 10' rein,I:U.m..nll IK'fml' ,"II' of Ihe I'",pony pllr"'"nl 10 IIny IKlw.r of 'ole cmUlln.d In Ihl.
S.curlly In<lrllm.m; 'It (h) ..nlry 0111 JUllgl11ent "nlmring 1111, Se,'urhy In'lrlll11onl. 11"". condlllon, lire Ihlll lIom,w.r: (I)
pay. L~nd.r all '"n" whkh then wonld h" dn. IInd.r Ihi, S,','urilY In>llIlI11O"" IInel Ihe Noll' "' if no IIccel.I..II"n had
occurred; (h) cure, IIny dcfllollol ony IIlhm ,'uv"'lIlnl, or "g"l'mcnl'; (l') p"y' "lIc'pcn,., Inc"rr.d in .nforclng Ihl.. S.curhy
In.lolln..nt, including, hili nol 1IIIIIIed 10, re","n"IIle :ulllln..y,' f....; ond (d) tllke, .lIeh aclion o. Londer I11I1Y rea'(lnahly
reqlllll' 10 """re Ihllllh,' 1"'" or Ihls SI''''IJlly ,,,strllment, LOlldo,', ,Ighl' In Iho f'H1pl'ny IInd Ilollower', "hligatlon to pay Ihe
'"m' '''l'lIred hy 1111, S"l'lIrIIY In'lrlln",,," .hllll conllnllo IInch:IJw'd, UI"m "'II,,lolcmelll hy Ilorrower, thll Securhy
In.trllmenl IInd IIII' ohligllllon, ,ecllr"d herohy ,lIall ,,'maln flllly "'lo':llvc a' il nOllcl'c1c"ulon 1I0d occurred, Hnwever, thl.
rlghllo rein,lalc ,111111 nol "Pllly in Ihe ea,. olaccel..",tlon onder p""'g"'pIl17.
19, Sale or Nnt.; Chang. of Loan Senker, 111e Nole 0' II pllrll'" inler".t In Ihe Noll' (lOgelh.r wilh Ihll Security
Inllrllmenll mllY he ,"ld one or I11mo lime, Wllholl' prior nlllice III Ilorrower, A ,ale may r.,"11 in a change in Ihe entlly
(known 0' Ihe "l.oan S.rvice,") Ihal colleCI, 1II0nlhly pllyments dlle IInrler Ihe Nole IInd Ihis Secllrlly Instrum.nt, There also
may he one or lIIore change, of Ihe Loan Servicer umelated 10 II ,ale "I Ihe Nole. If Ih.re I, 0 ehllllge nf Ihe Loan Servicer,
Rorrower will he giv.n wrlUennollce of III" l'hllnge in llccordunce wilh parngrnph 14 abov. and appllc"hle law, The nnlice
1'1111 stale Ihe nllllle IInd llddre," 01 Ihe new I ,Olin Servicer IInd Ihc llddr.", 10 which pllyments should he mode, The nOlleI' 1'111I
IIlso cmllllln any olher Inlomullion ""Iuired hy apphcllhle 1111'1,
20, Hozardnus Substances, Borrower sh,,1I nOI,'au'e or pennll tI", presence, u.e, dl'p",ol, storagl', or ",I.a,e of any
Hazarduu, Suh""nce, on or In Ihe Property, Borrower shllll nol do, nor II110w IInyone el,e In do, anything afleellng the
Propeny Ihat Is In violation of IIny Envlronmenllll Law. 'nl" preceding 11'10 ,elllene"s shall nnl IIpply 10lhe pr...nce, use, nr
'1O"'ge on Ihe Propeny 01 smllll ~uanlilles 01 Hal.llrdous Suh"ance, thaI lire generlllly recognized 10 be appropriatl' 10 nonnal
residential uses "rid 10 maintenance of the Properly.
Rorrower shull promptly giv(' Lender wriucn nOllce of ,!my illVr\lligalion. claim, demand, lllwsuil or other action by any
gov.rnmcnlal 01 regullllory IIgency or privllle party involving Ihe Propeny IInd any HIl1.ardou, Sul",llInee or Environme",ol
Lllw of which Ilorrower Ill" aClu,,1 knOWledge, If Rorrower learns, or is nOlinI'd hy any governmenlal or I'egulalory
authority, lhat UTlY removal or other rcnwdiation of ilny Ha7.l:Irdous Substnncc affecting the Property is necessary, Borrower
,h,,1I prolllplly IlIk. all nece,my remedilll acllolls in accord"nce wilh Envlronlll"nlal Law.
As used in thi~ puragraph 20, "lh7,ardnus Substtmces" llfe chose subsl11nces defined as toxic or halardous substances by
Environmemal Law IInd Ihe Inllowlng snhslances: gasoline, k"",senc, oth.r Ilamll1ahlc or ""Ic p.troleum producls, loxlc
peslicide~ Itnd herbicides. volatile solvents, fTI11tcriuls conluining ushestosor formllldehyde, alld radioucllve materials. AI>
u.ed Inlhi> paragmph 20, "Environ menial Law" mcan' ledcrallaws and law, 01 Ihe jurl,diclion where the Propony is localed
that relute tll health, safety or t'nvinmrncl1hll protection.
NON-UNIFORM COVENANTS. Ilorrower and L.ender lurther covenant lIIul agree as lollnws:
21. Ac,'elerallon; Remedies. Lender shall give nollce to lIorrower prior to aceel.rallon following 1I0rrower's
hreach of an~' covenanl or agreement In this Securlly Instrument (but not prior 10 acceleration under paragraph 17
unless appllcahle law prlJ\'ldes olherwlse), Lender shallnotlry Ilorrower of, amnng olher Ihlngs: (a) the default; (h)
the action l'e'lulred 10 cure Ihe default; (c) when Ihe default must he cured; and (d) thai failure to cure Ihe default as
speclned may result In IIccelerallun of the sums secured b~' Ihls Security' Inslrumellt, fnreclosure by judicial pro-
ceeding and sale of Ihe l'r,'perlY. Lender shall furl her inform lIorrower of the right 10 relnstllte lifter a,'celerallon and
Ihe rlghl 10 IIssert III thc foredosure pl'Oceeding Ihc non-exlslence of II defllult or any olher defense of Borrower 10
accelerallon and foroclosure, If Ihe defalllt i. no' curcd as speclO"d, l.endcr III lis opllon mill' require Immedlale
pa~'menl in full of all SUIIIS .ecur"d hy' this S",'urlly. Instrumeol II'lIhout furlher demllnd and may foreclose thll
S"curlty InstrulII"nl h~ judicilll prllCe"ding, Lender shall he "ntilled to collect all expenses Incurred In pursulnglhe
remedies I"'I\'lded ill Ihls paragraph 21, Including, bul nolllmll"d 10, allornel'," fees IInd cosls nf tllle e,'ldehce to Ihe
exlenl permillcd hy IIppllcabl" law,
22, Release, [Ipon paYlllcnt 01 1111 Sill"' ,ecored hy Ihi, Securlly Instnlment, thl, Security Instrument alld Ihe estale
collvey",1 ,hallll'nllinaIL' and '",collle void, Afler ,uch Ol'currencc, Lender shall dl,charge and slltisfy Ihls Security Instru-
ment without chllrgc to Harrower. Borrower shall pay any recordation costs.
23. Wlllvers, Borrowe" 10 11ll' eXlelll permilled hy appllcahlc law, waive, and relea,e, any error or del.cts In
proceedings 10 cnforcl' this S('(,'urit)' Inslrumenl. and herehy w"ives the henefil of UIl) prescnt or fut~lre laws pl'Oviding for
sla)' of execution, extension oj tllne. c~cmption from utlitl'hmcnt. levy and sale, alld homestead exemption.
24, Relnslalement Period, Borrower', lime III reinstale provided In parugruph IH ,h,,1I e"end 10 on. hour prior to Ihe
conuncnccml'nt of \lidding IIIH sh(~riff\ ,ule or other sulr pursuuntlo thi,Ij SCL'urity Instrument.
25, "urch".e M"n"~. Mortgllge, If allY of Ill(' delll ,ecured hy Ihi, SecurilY In'trumenl i, lent 10 Borrower 10 acquire
tllle 10 Ihe Property, this Sl'CU"") In'trolllelll ,hall hI' II p"rcha,e money IIwngllge, ..
26, Interesl Rlltc Arter .ludgment. Borrower agree' Ihallhe illleresl r"le payuhle alier II Judgment" entered on the
Note or in nil ltction of 11Ior1gagl' f(lrcl'iosun,' shull he th(' nile pllyahle from lim(~ to lime under the Note.
.
Form .\039 9/f1O ("aNt j (lIlt paRtSJ
eood131 iACE 571
File ~Iumbe(:
930093
SCHEDULE
. CONTINUED
ALL THAT CERTAIN lot or piece of land situate in the Township of Hampden,
Cumberland County, Pennsylvania boundod and described in accordance
wi.th a survey by Ronald S. Raffensperger, Registered Surveyor, dated
January 18, 1973, as follows, to witl
BEGINNING at a point at. the corner of Beaver Drive (50 feet wide) and
Indian Creek Drive (50 feet wide); thence along the west side of Indian
Creek Drive South 06 degrees 56 inutes East, 97.00 feet to a stake
at corner of Lot No. 17 on hereinafter mentioned Plan; thence along
the same South B3 degrees 04 minutes West, 13B.93 feet to a stake at
the eastern line of Lot No. 15; thence along the same North 08 degrees
27 minutes 47 seconds East, 115.13 feet to a point on the south side
of Beaver Drive; thence continuing along the same in an easterly
direction on a curve to the right, having a radius of 390.00 feet, an
arc distance of 104.BO feet to a point; t.hence along the same North B3
degrees 04 minutes East, 4.B2 feet to a point on t.he west side of
Indian Creek Drive, the point and place of Beginning.
HAVING thereon erected a two story aluminum dwelling known as Lot No.
16, Block "B", Plan No. 4 on the Plan of Indian Creek recorded in Pla.n
Book 22, Page 139.
BBING known as 217 Indian Creek Drive, Mechanicsburg, Pennsylvania.
UNDER AND SUBJECT, nevertheless, to easements, restrictions,
reservations, conditions and rights-af-way of record.
BBING the same premises which Edward F. Wadlinger and Rose M. Wadlinger,
the Mortgagors herein by deed from Robert H. Brown and Donna F. Brown
to be recorded in the Recorder of Deeds Office in and for Cumberland
County.
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FEDERMAN AND PHELAN
By: FRANK FEDERMAN, ESQUIRE
IDENTIFICATION NO. 12248
TWO PENN CENTER PLAZA, SUI'rE 900
PHII.ADEI,PHIA, PA 19102
.Ll.U.L-.2 6 3 -. 700 \L
ATTORNEY FOR PLAINTIFF
COURT OF COMMON PLEAS
CIVIL DIVISION
GE CAPITAL MORTGAGE SERVICES, INC.
2000 WEST LOOP SOUTH, SUI'I'E 1300
HOUSTON, TX 77242-0275
TERM
Plaintiff
NO. qq. d8L{
CUMBERLAND COUNTY
v.
EDWARD F. WADLINGER
ROSE M. WADLINGER
217 INDIAN CREEK DRIVE
MECHANICSBURG, PA 17055
Defendant(s)
gj:..YilLMnmL...=....I!AH
HQaTGAGE FOR~CLOSURE
NOTIq~
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
You have been sued in Court. If you wish to defend against the
, claims set forth in the following pages, you must take action
within twenty (20) days after this Complaint and Notice are
served, by entering a written appearance personally or by
attorney and filing in writing witn the court your defenses or
objections to the claims set forth against you, You are warned
that if you fail to do so the case may proceed without you and a
judgment may be entered against you by the court without further
notice for any money claimed in the Complaint or for any other
claim or relief requested by the Plaintiff. You may lose money
or property or other rights important to you,
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE 'I'HE OFFICE
SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Wo hereby cor\\{~ I~a
.1' '11110 LID El \rUe) .>.nd
Will \. .
I >.~r''J 0 ei\U
Corroe e".,.' . . '\
. I '..'~Ol(
ori(JI!'\?,\ ~118CI (" ~~':' PHt;L^N
rEDi:.I"\'i/\\'-l/\\ .W
CUMBERLAND COUNTY
CUMBERLAND COUNTY BAH ASSOCIATION
2 LIBERTY AVENUE
CARLISLE, PA 17013
(717) 249-3166
TRUt: COpy FROM RECOnD
III Tc.'!lmon,. ','i!'/!f;(.1, I ~Irf, !l!ilo I#lrrrv hilllr!
?llill"fI ~Jillli; f;;:irj ClOurl ,)1 Cilrth:kl, f~.
,l.~~f~_l?\=~:~r;~y ~~"~~~~j
Pmthomrl.lry
1. PlaJ.nti(( is
GE CAPITAL MORTGAGE SERVICES, INC.
2000 WEST LOOP SOUTH, SUITE 1300
HOUSTON, TX 77242-0275
2. .h. .... (.) 00. h. t "0", '.."" (", at tho ""t.,..,t (.,
are
EOIiARD F. WADLINGER
ROSE M. WADLINGER
217 INDIAN CREEK DRIVE
MECHANICSBURG, PA 17055
Who "/". tho .0't9'90'(') ". "'1 0",.,(.) at tho
property hereinafter described.
3. 0, '/30/', .0't9'90'(.) ..... ,x.o.t.. ". .'l'v.,.. ,
'0""9' 'Po, tho Pro"" '00 h.", '''tot ."0, 'h.. to BANK
U"TED OF TEXA'. Fsa "hioh '''t90.. i. """.., " tho
Dtt'o. at tho a.oo,." at CU"ERLA'D co..ty. " MO't9'"
'00' '0. "". P'90 .... 'y A..i.....t ot Mo't9'9' .,t..
'/3/', th, .0't"9' '" "'i9'" to PLA'NT'FF "h'oh
A"'9,...t ,. ',oo"'d i, A..'9....t ot ~,t.,.. 'o~ '0.
485, Page 341.
.. .h. P".i... "hj.ot to "'. .0,t..9. ,. d"O"h.. ,.
attached.
5. "h. "'t9'9' i. " ..t"it boo"" OO"hly p,y"". "
P"'o'P" ". i,t.,..t 'po. -oi. .0't9'9' ,., 7/1/,. '"
"oh 'o'th th.,.,tt., ". '.. ". "P".. '" ~ tho t.ro.
0' ..i. .0't9'9'. 'po, "il.,. ot .0't9'90, to '". ..~
p'y..,t. ,tt" , .,t, 'P'o'ti'd hy "'"., '0"0, .", to
MO""90,. the "",. P'i,oip'l h""o. ,'. '11 "t"..t ...
th.,.o, ", oO'l,ot'bl. to'th"ith. A O~y ot ..~ 'ot,o. ,.
attaChed as EXhibit /fA. /,
DD~~A6 NOC0102
. DA.Pt;mber 9, 1998
GECIIP;IBI
NOTICE OF INTENTION TO FORECLOSE
. --MORTOAGB UNDBR. SJl:C'I'ION. 403,. OF PA
1Ift.-orII.i~.''''.I{!J'nrli'''4I1p I READ BOTH
pAGES OF t1IU NOTICE CAUFULLY,)
ROSE M WADLINGER
21 7 INDIAN CP.K DR
MBCHANICSBURG, PA
17055
REI OS LOAN _ 0011172368
PROPERTY 217 INDIAN CREEK DR ME(~ICSBU, PA 17055
MORTGAGEE, G,E, CAPITAL MORTGAGE SERVICES
The Mortgage held by the above named Mortgagee (hereinafter we, us, or
oure) on your property noted above is in serious default because you have
not made the monthly payments as noted below under (a). I~te charges under
(b) and other charges, if any, wlder (c) noted below, have also accrued to
this date. The total amount now required to cure this default as of the
date of this letter, is noted below under (e).
(a) 070198 thru 090198 'il $832,96/month $2,498,88
(b) Late charge (s) : $188,66
(e) NSF check charge(s), ,00
(d) Lells, Credi t Balance 156.55
Ie) Total amount required as of this date I $2,530.99
You may cure this default within THIRTY (30) days of this letter by paying
to us the amoUllt wlder (e) above, plus any aduitional monthly payments and
late charges (and other charges) which may fall due during this period.
Such payment must be either by cash, cashier's check, certified check, or
monay order made payable to G.E. Mortgage Services, 625 Maryville Centre,
Bt, Louis, MO 63141, Attention: cashiering Department,
If you do not cure the default within THIRTY (30) days, We intend to
exercise our right to accelerate the mortgage payments. This means that
whatever. is owing on the original mortgage amount borrowed will be
considered due immediately, and you may lose the chance to payoff the
original mortgage in monthly installments, If full payment of the amount
of default is not made within THIRTY (30) days, we also intend to instruct
our attonleys to start a lawsuit to foreclose your mortgage property. If
the mortgage is foreclosed, your mortgage property will be sold by the
Sheriff to payoff the mortgage debt. If we refer your case to our
attorneys, but you cure the default before they begin legal proceedings
against you, you will have to pay the reasonable attorney's fees actually
".::","
ci\r\ld\l' "
DD~A6 NOC0102
DAWPtem.ber 9, 1998
GE Copilol
NOTICE OF IwrENTION TO FORECLOSE
.. .MORTGAGB-UNDBR-9BCTION-.IH..OF PA
IjfjIpP'IftM"'III"uJII"'1!I1"f'I" (READ BOTH
PAGJi;SQ\:' rifts' NOTICE CAllE FULLY , )
EDWARD F WADLINGER
217 INDIAN CRK DR
MECHANICSBURG, PA 17055
RE. (IE LOAN II 0011172368
PROPERTY 217 INDIAN CREEK DR MECHANICSBU, PA 17055
MORTGAGEE: G.E, CAPITA]. MORTGAGE SERVICES
The Mortgage held by the above named Mortgag~" (hereinafter we, us, or
ours) on your property noted above is in serious default because you have
not made the monthly payments as noted below under (a). Late charges under
(b) and other charges, if any, under (c) noted below, have also accrued to
this date. The total amount now required to cure this default as of the
date of this letter, is noted below under Ie),
(a) 070198 thru 090198 <ll $832. 96/n,onth $2,498.88
(b) Late charge (s) : $188,66
(c) NSF check charge(s): ,00
(d) .Less: Credit Blllance 156,55
(e) Total amount required as of this date: $2,530.99
You may cure this default within THIRTY (30) days of this letter by paying
to us the amount under (e) above, plus any additional monthly payments and
late chargss (and other charges) which may fall due during this period,
Such payment must be either by cash, caahier's check, certified check, or
money order made payable to G.E, Mortgage Servioes, 625 Maryville Centre,
St, Louis, MO 63141, Attention. Cashiering Department.
If you do not cure the default within THIRTY (30) days, we intend to
exercise our right to accelerate the mortgage payments, This means that
whatever is owing on the original mortgage amount borrowed will be
considered due in~ediately, and you may lose the chance to payoff the
original mortgage in monthly installments, If full payment of the amount
of default is not made within THIRTY (30) days, we also intend to instruct
our attorneys to start a lawsuit to foreclose your mortgage property. If
the mortg&ge is foreclosed, your mortgage property will be sold by the
Sheriff to payoff the mortgage debt, If we refer your case to our
attorneys, but you cure the default before they begin legal prooeedings
EXHl6lT A
ag"R. , ,t you, you will have to pay the roasonable attorn..y's fees actually
in up to $50,00. However, if. legal proceedings are started againat
you,._ ou will have to pay the reasonable attorney's fees even if they are'
over $50,00, Any attorney' a fees will be added to whatever you owtJE'IlfIpilul
which may also include our rsasonahle costs, I( you cure the defaul t
'within th.. THI~TY(]O) day period, you will not be requh'ed to pay
at torney' 9 fees, at' C,11J1MI Mm'lIilUu S",rV;f:II.\. Inl,'
Also, we may BUe you personally for the unpaid principal balancs, and all
other sumo due under the Mortgage,
If you have not cured the default within the thirty day period, and
foreclosure proc....dings have begun, you will still have the right to cure
the default and prevent the sal~ at any time up to one hour before the
eheriff's forecloeure sale, You may do so by paying the total amount of
the unpaid monthly payments plus any late charges, charges then due, as
well as the reasonable attorney's fees and costa connected with the
foreclosure sale (and perform any other requirements under the mortgage) .
It is estimated that the earliest. date that sllch sheriff's sale could be
held would be approximately FIVE MONTHS FROM THE DATE OF THIS LETTER.
A notice of the date of the sheriff's sale will be sent to you before the
sale. Of oourse, the amount needed to cure the default will increase the
longer you wait, You may find out at any titne exactly what the required
payment will be by calling us at he following number: 1 (800) 317-4322 . This
payment must be in cash, cashier's check, certified cheek, or money order
and made payable to us at the address stated above.
You should realize that a sheriff's sale 101 .1 end your ownership of the
mortgaged property and your right in it. .~ you continue to live in the
property after the sheriff's sale, a lawsuit could be started to evict
you.
You have additional rights to help protect your interest in the property,
You have the right to sell the property to obtain money to payoff the
mortgage debt, or borrow money from another lending institution to payoff
this debt (you may have the right to sell or transfer the property subject
to the mortgage to a buyer or trllnsferee who will assume the mortgage
debt, provided that all the outstan~ing payments, charges, attorney's fees
and costs are paid prior to, or at the sale and that other requirements
under the Mortgage are satisfied), Contact us to determine under what
circumstances this right might exist. You have the right to have this
default cured by any third party acting on your behalf.
If you cure the default, the mortgage will be restored to the Same
position as if no default had ocourred. However, you are not entitled to
thin right more than throe times in a calendar year.
Ve~y Truly Your.s,
11172368
=
Kristy Allie, Loan Counselor 1 (800) 317-4322
The following disclosure is required by applicable federal and state law
for certain loans that we service: This communication is from a debt
collector and is an attempt to collect a debt; any information obtained
will be used for that purpOSl'\.
~XHIBIT A
.
TOOETHER WITH all Ihe improvements now or hereaflCr erecled on Ihe prnperty, and all ease melliS, appunenancu,
and lhturu now or hereafter a pan of Ihe properly. All replacemenls and addilions shall also be covered hy this Securily
Inllrumelll. All of Ihe foregoing IS referred \0 in this Secunly Inmumelll as Ihe "Propeny." ,
BORROWER COVENANTS Ihal Borrower is lawfully seised of Ihe estale herehy cony eyed and has the righl to
monlage, gralll and <:onyey Ihe Propeny and Ihal Ihe Propeny is unencumbered, ",cepl for encumbrances of record,
Borrower WllfTanlS and will defend generally Ihe lille to Ihe Property againsl all claims and demands, subjecI to any
encumbrances of record,
THIS SECURITY INSTRUM!!NT comhmes unifonn covenWlls for nallonal use Jnd non.unifolln covenants with
IImiced varialions by jurisdiclion 10 conslilule a unifolln security instrumelll covering reali.",perty.
UNIFORM COVENANTS. BOlTower and Lender covenalll and agree 'IS follows:
I. Payment of Principal and Interest; Prepayment and Lale Charges, Borrower shall promptly pay wheo due Ihe
principal of and inlereS! on Ihe dehlevidenccd by Ihe NOle and aoy prepaymenl and lale charges dae under Ihe NOle,
2, Funds for Taxes and Insurance, SubjecllO applicable low or to a wriuen waiver by Lender. Borrower shall pay 10
Lender on the day molllhly payJllellls are due under Ihe NOle, ulllillhe NOle is paid m full, a sum ("Funds") for: (al yearly
lues and a.,,,essments which may auain priorilY over Ihi" Securily Inmumelll as a lien on Ihe Propeny: (bl yearly leasehold
paymelllS or ground rents on Ihe Propeny, if any; (C) yearly hazard or propeny insurance premiums: (d) yearly Oood
Insurance premiums, if any', (e) yearly mongage insurance premiums, if any: and (f! any sums payable hy Borrower 10
Lender, in accordance wilh the proviSIOns of paragraph 8, in lieu of Ihe paymenl of mongage insurance premiums. These
ilems are called "Escrow Items," Lender may, al any lime, colleCI and hold Funds ill an amoum nolto exceed the maximum
amounl a lender for a federlllly relaled mortgage loan may require for Borrower's escrow aC('O,1I11 under the federal Real
Estate Senlcment Procedures Acl of 1974 as amended from lime 10 time, 12 U,S,c. ~ 2601 " m(.("RESPA"), ullle.;, another
law Ihal applies 10 Ihe Funds sets a lesser amounl. If <0, Lcnder may. at lIny lime, collect and hold Funds in an am(Jum nollo
ex.ceed the less~r amounl. Lender rn;:ty estimate the amount of Funds due on the ha~iis of current dal(\ aou reasonable
estimates of e;\pcnditures of fUlUre Escrow hcm!'i or otherwise in ul.:cordanct: Willi applicable law,
Tilt.. Funds ...hall be held in (In inslHtltlon whos~ deposits are Insured hy a federal agency, imtrumentaliry. or eOlilY
(including Lender, if Lender is such an InSlllUlion I or In any Federal Home LOlln Blink. Lender shall lIpply Ihe Funds III pal
Ihe Escrow hems. Lender m'IY not charge Borrower for holding and applying the Funds, llnnually analyzing the escrow
account, or verifying the Escrow Items, unles> Lender pays BOllower mlereSl on the FUllds and applicable law pennlts
Lender 10 make such a churge. Ho.....ever. Lender may require Borro"er 10 pay a one-time charge for an independelll real
estal< lax reponing service used by Lender in connection wilh Ihis IOlln, unless applicable IllW provides otherwise, Unless an
agreemelll is made or applicahle law requires illlereSlto be paid, Lender shall nOI be required to puy Borrower any inleresl or
earnings on lhe Funds. BOlTower and Lender may agree in wrlling, however, thai imeresl shall be paid on the Funds, Lender
shall give 10 Borrower, wllhoUI charge, an annual accouming of Ihe Funds, showing credils and dehits lolhe Funds and the
purpose for which each deblltO the Funds was made. The Funds are pledged as additional seeuriry for all sums secured by
this Security Inslrumelll,
If Ihe Funds held by Lender exceed the amounlS pennilled 10 be held hy applicable law, Lender shall account 10
Borrower for Ihe excess Funds in accordance wilh Ihe requirements of applicable la". If the amoultl of Ihe Funds held by
Lender at any time is nOI su!fidem III pay the Escrow Ilems when due, Lender may so nOlify Borrower in wriling. and, in
such case BOlTower shall PllY 10 Lender Ihe llInoum necessary to make up the deficiency. Borrower shall make up the
deficiency in no more than Iwelye monthly paymems, atl.ender's sole discrelion.
Upon paymenl in full of all SUITlS secured hy this SecurllY Instrument, LeTlder shall promptly refund 10 Borrower any
Funds held by Lender, If, under pllragraph 21. Lender shall acquire or sclllhe Property. Lender. prior 10 Ihe acqulsilion or
sale of Ihe Propeny: shull apply any Funds held hy Lender al the lime of acquisiuon or sale as a credil against Ihe sums
secured by this SecurllY Instrumelll.
J. Application of Payments, Unlcss applicahle law provides olherwlSe, ull paymems recell'ed by Lender under
paragraphs I and l shall be applied: flrst, 10 any prepaymenl charges due under Ihe NOle: second, 10 .moums payable under
paragraph 2: thIrd, to imeresl due: founh, to pnnclpal due: and lasl !O any IIIte charges due under Ihe Note,
4, Charles; Liens. Borrower shall pay all taxes, assess "ents, charges, fines and impostlions alllibulable 10 Ihe
Propeny which may anain priorilY over Ihis Securily InSlrumem, and leasehold paymenls or ground renlS, if any. Borrower
shall pay Ihese obligallons in tho manner provided in paragraph 2, or if not paid in Ihal ",anner, Borrower shall pay Ihem on
time directly to Ihe person owed payment. Borrower shall promplly furnish 10 Lender all nollces of amoums 10 be paid under
Ibis paragrapn. If Borrower ma.es these pal'menls direclly, BOIrower shall promplly furnish to Lender receipls evidencing
Ihe paymems.
Borrower shall promplly discharge any lien which has priorily over Ihis Securily Insmlmenl unless BOllower: (a) agrees
in wriling to Ihe paymenl of the obligalion secured hy Ihe lien in a manner ac"eplable to Lender: (bl colllests in good failh Ihe
lien by, or defends againsl enforcemenl of the lien in, legal proceedmgs which in Ihe Lender's opinion operale 10 prevenl the
enforcemelll of Ihe lien: or (Cf secures from the holder of Ihe lien an agreement sausfaclOry 10 Lender subordinaling Ihe lien
to this Secunl'i Inslrument. If Lender detennmes Ihal any pan of Ihe Property is subject 10 a lien which muy anain priotilY
over this SecurilY Instrument, Lender may gIVe Borrower a nOlice idenlifying Ihe lien. BOlTower shall salisfy Ihe lien or take
one or more of Ihe aClions sel fonh above wilhm 10 doys of Ihe glYmg of nOlice.
5, Hazard or Properly Insurance, Borrower shall keep Ihe Improyements now exisllng or hereafter erected on ~he
Propeny insured againslloss by fire, hal.ards IIlcluded wilhmlhe tenn "<<Iended coverage" .and any olher hazards, mc!udlllg
noods or Oooding, for which l.ender requires Insurance. This insurance shall he mallllallled II) Ihe amounts and tor the
b'~C~ 11~1 fAC~ 5Gb l"orm.\O.l9 "90 (pt'~I'~tlf()pa,f',H
periods thai Lender requires. The im.urulll'e carrier providing thl' IJISUrllIH.:C ,hull he dlOscn hy ROITt1Wer lillhjectlo Ltlu..ler's
approval which shull mil be unreasonubll' "lIhh.ld. If Borrow.r fails 10 maimain coverage d.,,'ribed abu,", Lender may, al
Lender's option. ohtaln l:ll\'crngc 10 prul(,l't LClldcr's righls in the Property in ac..:curdiHH:e with pllrll~raph 7,
All insarance policies and renewuls ,hall he accepluhk 10 Lender and shull inclode a sumdurd n""lguge clause. Lender
shull huve Ihe rlghl In hold Ihe policies and lenewuls. If L<1I1dcl re4uires, Borrower shallpromplly give lu Lender all receipt!
of paid prmniul1\s nnd rCllcwnl l1oll\::cs. III Ihe evenl of los~. Burrower ",hall ~i\'e prornpllllltlcC' 10 the Insurance clIrrt(lr and
L.ender, L~'rulcr milY mil~c proof of Illss If nol made promptl~' oy Borrower.
Unless Lender and Borrower olhcrwisc ugn~c in writing. Insuram:c prOl.:ccds "hall he applied w restoration or repair of
Ihe Property dumugcd, if the restoration or repair j,"i t.!conomkally fcaslhlc and Lender's 'tccurity is not lessened, If the
reltloraliun or repair is not cconomil:lllly fC<lsihlc or LCll(.t~r's s(.'curity would be lessened, the insurunce proceeds shnll he
applied 10 Ihe sums secured by Ihis SecurilY Instrumenl, whelher or nol then due, with allY e.xeess paid 10 Borrower, If
Borrower uhanduns the Property, or docs not answer within .10 days II notice frmn Lender thut the insurunfJe carrier has
offered 10 'ieule a claim, then Lender,nUl)' collect the insuwncc proceeds, Lender muy use 1he proceeds 10 repair or restort
Ihe Property or 1/1 pay slims secllred bv Ihis SecllrllY Instrllment, whelher or nOllhen due. The JO.day period will begin when
the nOlice is given,
Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or
postpone the due dale of the monthly payments referred 10 in parugruphs I und 2 or chunge Ihe amoulll of Ihe paymenls, If
under puragraph 21 Ihe Property is acquired by Lender, Borrower's right 10 allY insurance policies and proceeds resuhing
from damage 10 Ihe Property prior to Ihe acquIsilion shall pass 10 l.ender 10 Ihe e.xlent of Ihe sums secured hy Ihis Seeurily
Imarum~nl iml1lediately prior 10 lhe i.l\':4uisition.
6, Oceupanc~. I'resenatlon. Mainlenllnee and Pr"teclion of' the I'roperl~; 1I0rrower's Loan Appllealion;
Lea!lCholds, Borrower shull occupy, establish, and use Ihe ProperlY a, Borrow",'s princlpul residence within sisly days afler
the ex.ecution of this SCl;UrilY In:-;Irumcnl ami shull COnlinllC 10 \}ccupy the Property as Borrower's prindpal residence for at
least one year aft~r the date of occupancy, unless LCllJcr otherwise agrees in writing, \\'hich ,,'Ollsent shull not be
unrellsnnablv wllhhcld, or unless Cx.lenuatmc cin:umsllil1l.:CS e:\ist \l.'hil:h i.m~ hc\'ond Borrower\ control. Borrower shall not
de!4troy, damllgc or impair the ProPt'rty, allo'-w the Property 10 dl'tCrlOrHtc. or Cl~lllmlt waste on the Property. Borrower ~hllll
be in default if ~lIlY forfeiture action or procf:eding, wtH'lhcr civil or criminal. b hegun Illilt in l...'mler's good faith judgment
could resuil in forfeiture of Ihe Prop"rlY or olherwise malerially impair Ihe lien crealed hy Ihis SecurilY Instrumenl or
Lender's sccurilY llllerest Borro\\'cr rnuy clIre :-;ul:h 1I dcfilUIt and reinstate, us provided in paragraph lB. hy (."ausing the action
or proceeding 10 he dismissed with a ruling thut. in Lender's good fUlth dctcnnini.ltion. precludes forfeiture of the Borrower'~
inleresl in Ihe Property or ulher malerial impairmenl of Ihe lien Clellled hI' Ihis Securily InSlrumenl or Lender's seeurilY
interest. 1:Jorrnwer shall also be in default if Borrower. during the In an i.tpplit:alion process. gi.lvt' materhdly f4'hie or
inaccurate inforrmltion or ~tatements 10 Lender (or fi.liled to provide Lender with any malerial informlltionl in ('onneelion with
the loan evidenced hy the Note. including, but 1)01 limited to, representations conce",ing Borrower's occupancy of the
Property as a principal re'ldenee. If' Ihis Secllrlly In.,lrumelll is on a leasehold. Burrower shall comply wilh ulllhe provisions
of Ihe lease. If Borrower acquires fee lille 10 Ihe Property,lhe """ehold and Ihe fee lille shall 001 merge unless Lender agrees
10 the merger in wTlting,
7, Protection of Lender's Rights in Ihe PrClpert~, If lIurrower fails 10 perfum, Ihe covenunlS and ugreemellls
contained in this SccurilY Instrumcnl, or lhere is a legal prm:ecding that nHlY ~ignificllnlly affect Lender's righes in the
?ropeny I such as u pro('ccding In hankruph:Y. prohulc_ for i.:OndCIlUllltl()1l or f(lrfcilure or to enforce IlIw~ or reguhllionsl, then
Lender may do LHld pay fOI whall:vcr i~ nccl.......ary to protect the value of the Property and Lcndcr's rights in the Propeny,
Lender's aCllons ma~ indudc puymg uny ~ums 'lecurcd hy n llt'1l ..~,tl1l:h IHl~ priority over lhi... Security Instrument, appearing
in coun. p"ymg rcasonublc uttomeys' fees and entcring on the Property to mllKe repairs, Although Lender may take action
under this paragraph 7, Lender does 1I0t have tl) do so.
Any amounls disbursed by Lendcr under Ihis paragraph 7 ,hall bccollle addilional debl of' Borrower secured by Ihis
Securitv Inslrument. Unless Borrower ;.md Ll..'ndcr agree to other tcnns of payment. lhc!'c amounts o;hall bear imerest from the
dale or'dishursement 'II the NOll' r!.ttc nnd shall be payable. with iI1lCn~SL upon notice from Lender to Borrower requesting
payment
8, Morlgage Insur.nee. If Lendel "'4uired mortgage Illsurance as a condition of rollking Ihe loan secured by Ihis
Security Instrument, Borrower shall pay thc pn.~miums required to mainHlin the mortgage insurance in effect. If. for any
r~ason, Ihe mortgage tnsuranee coverage re4""ed by Lender lapses or ceases 10 be in effecl, Borrower shall pay Ihe
premiums required to ohtuin coverage suhstantially equivulent 10 the mongage in~uraf1{:c previously in effect. at a cost
substantially equlvalenl to the (.;ost 10 Borrower of the mortgage insurance previously in effect, from IIn alternate mortgage
insurer approved by Lender. If suhstunliully cqulvalent mongage insurance coverage is not Ill/uilable, Borrower shall pny to
Lender each momh a S"1ll "4U1I110 one-IW('II'lh 01 the yearly mortgage insurance premium being paid by Borrower whenlhe
insurance coverage lapsed or cel,sed to be in effect. Lender will accept, use and retain these payments as a loss reserve in lieu
of mortgage insurance. Loss reserve payments mal' no longer be re4uired, .1 the option of Lender, if' mortgage insurance
coverage (In Ihe amount and for Ihe period Ihal Lender re4ulreslprovided hy un illsurer approved hy Lender again becomes
available and is oblained. AOfTower shall pay Ihe premiums re4uired 10 Illainlain mortgage insurance in effeel. or 10 provide a
loss reserve, until the requirement for mongagc insurance ends in accordance \l,uh any written agreement nctween Borrower
and Lender or applicable lall'.
9. Inspection. Lender or its ugelll may make reasonable elllfies "pon and inr.peellons of Ihe Property, Lender shall
give Borrower nut ice althe tilne of or prior to un inspection specifying reasolHlhh~ (.;Juse for the inspection,
Ill, Condemnation, 1110 proceeds of' any award or cl.im for damages, direcl or conse4uemial, in conneelion wilh any
Slll~le Famll,' .. Fannie "'hie/Freddie Mac t'~IH)RM INSTRlJMENT .. lInUnnn Co...enllm~ 91'10 (pdHt J of'" PORt!!
--.'1131 5"9 f'of'tlIllM.fI~'I...fonlll.llC.
B'OY,. PA~~ 0 ,,'-ClU ,...''''$:lI30 'AJI...ltl.lIJ1
.
.
condcmnalion or other laking of any part of lhe Property. or f(JT C(H1VeYllnetl ill lieu (If clHldcrnnUII(II1. arc hel'chv assigned arid
shall be paid 10 Lender, .
In Ihe ev.nl of a inial laking Ilflhe Properly, Ihe p"",eeds shall be applied In Ihe SUnlS <ccurr<~ hy Ihis Securily
Inslrumelll, ~helher or nlll lh~n dlle, wllh any e.,c.elS .paid hJ norrllw~r, In Ihe evenl of a partial laking of Ihe Property in
which Ihe fair l1lar~.el valae 01 Ihe Property InlllledullelY bel ore Ihe laklllg " equal 10 or gre.ler Iha" Ihe .moulll of Ihe sums
!lCcured hy Ihis Secunty InSlrull"'"1 IIllmedialely befme Ihe laking, unlelS Ilorrllwer andl.ender olherwise agree in wrlling,
Ihe sums ,ecured hy Ilus SerurilY Instrumelll shall he reduced by Ihe alllOUI1l of Ihe ptoeeeds ",aliiplied by Ihe following
fraclion: (allhe IOlUlamounl of Ihe sums secured Inulledialely hefore Ihe laking, divided by (bllhe fair markel value of Ihe
Property immedialely he fore Ihe Illklng. Any balance shall be paid 10 Borrower. In Ihe evelll of II p.rliallaking of the
Propeny in which Ih. fair markel value of Ihe Property lIIulledialely heforc Ihe laking Is less Ihan Ihe amOIUl! of Ihe sums
st-cured immcdiulely before the luking, ulllc'\~ Borrower ami Lender olhcrwi~c llgrec in writing or unlc"" applicable law
olhtTwise provides, the proceed" "hull be applied to tlw SUIll' secured by this Security Instrument whether or 1101 fhe sums ure
Ihen due.
If che Property IIi abundoncd hy Borrower, or if. after Ilolu.:e hy Lender 10 Rorrower Ihat the comlcm!lor offers 10 !nuke
an award or selllc u claim for dumages, Borrower fuils III respund 10 Lemler wilhin .10 ony" aflcr lh~ date Ihe nmice is given,
L~nder is aUlhunlt~d 10 !.:ollcl:t and apply the procecd~, al ils oplion, either In restorution or repuir of the Prop~rlY or 10 the
sums secured by thl~ SCClIrIlY Instrument whether or not then due.
Unless Lender and Borrower olh~rwise agree in writing. uny application of pl'Oceeds W prlncipal shi.11I nol cxtend or
poslpone Ihe due dale of thc monthl}' puyments rcft'rn~d 1O in paragraphs I and ~ 01' chungc thc umount of su~h paymellls.
11. Borrnwer Nul Relea..d: Furhearanee B) Lender Nol a Wall.er. E,,,en,,on of Ihe lime for paymenl or
modificution of amortilalion ~lf Ihe 'illm~ secured hI,' thi., S~curilv Instrument I.!runtcd hv l.'~llder 10 anI,' successor in interest
of Borrower shall not operate III rC'leasl~ the Iiabiliiy of lhc orig'inal Borrowc; or BI)rri)wer.... 'lIt'C~'1~I;r' in intert~sl. L~nder
shull nul be reqUIred to l.:ommef\!.:c prol.:ccJings again!-ot IIny SW':t.:cssor in ilHerc'it or refu!-oc tn c"t~'rlll time for pilymenl or
olherwise modifv umorlllU(Jun of the slims secured h, this Sccurit\ In\lrlllllcnllw reasoll of ~lIlV demand maLic b\' the oriuinul
8orrower or BorroYo'cr.... sun:cssor'i III IIHcrc'il. Anv'rorhemi.lIll.'c h, Lt'nder In 1.:'1l.'l'l.'i!-oilll! an\ 'rh.:llt or rClllt'd\ ~hall i101''he it
waiver uf or preclude Ihl' c\crclst' tlf any right nr reined).' .. , " .
il. SuccessnfS und :\ss't.:ns Hound: .Julnl and Sc\erul Uuhllll~': CH~"ilgnl'I's. Tilt: i.:UVt'lHllll:-i and agret'lllcnt'i of Ihis
Se.:urir)' InslrumcfH shall bind and bendit tht' SllL'\..'CS.'iOl':-i allJ assigm of Lcnuer anu HorrO\ver. subjeL't 10 the provisions of
paragraph 17, Borrower"" covenanls ami ugrcCfTlCnlS shall be joint and several. Any Borrowcr who c04signs thi!; Sccurity
Instrumenl bUI dues 1101 t.'XCl.:ulc tht.' Note: (Ill is !.:o.'\i!!ning this Security In.\(rumellt only to l1longag~, grunt .1I1d .:onvcy thut
Borrow~r'~ inlerest in Ihe Propeny undl~r the t~nllS of this Security InstrUlllt,'l\I; 0)) is nol personally obligutcd to puy the sUms
secured hy this Security Inslrumen\: and (L') Ilgrees that Lender and any olher Borrower may agree to e.xtenJ. modify, forbear
or mw,:c any accumrnodutiol1s with regard to the tenns of this Security Inslrument or thL' Note wilhout thai Borrower's
consenl.
13, Loan Churges, If Ihe loan secured by Ihis Secllril> In""lmenl is ,uhJecl 10 a iaw whi,h sels maximum loan
charges, and Ihut law is finally interpreted so lhat the interest or other loan .:hurgcs !.:ollccted or 10 be collcl.:ted in connection
wilh the loan exceed the pcnnilled limils. lhcn: tal any sud\ loan I.:hurge ,IHllI he redul'cd by Ihe ilmount ncccssM)' 10 reduce
the charge 10 Ihe penOllled Ii mil: and (bi any SUIll.' alre.d> collecled from BOlTtlwer which e.,ceeded permilled Ilmils will be
refunded 10 Borrower. Lender may choo:-i~ (0 l1\ul\c th" refund hy reducing the principal O\~eu under the Note or by mi.lking a
direcl payment In Borrower. If a refund rcduces pnrlL'lpul. the reduction will he trt.:uled iI\ a parli"l prepayment without any
prepayment dHlrgt~ under Ih~ Note.
J~. Noth.:cs. Any notil'c to Borrower provid~li for ill thi, Sm:lImy In..,tfllllll:llt ,hall bc ,~i\'CIl hy deli\cnng il or hy
mailing II by first CI..IS-'j Illail unles'i appliL'able IllW rC4uirc., U\e of ,mother mClhud. Thc notlcc ';hi.lll be dlrecwd 10 the Property
Address or uny olhcr uddre~s Borrower designates hy nOlkc 10 Lender. Any notIce to Lender '\h.1l1 be given hy fir\t das\
mail to lender\ aJdn~ss stated herelll or allY other ..ddrc\"1 Lender designates hy notil:c 10 Borrowl.'r. Any notir.:e provided for
in this Scc'urity Inslrumenl shall hI.' deemcd to twvc hel'n given 10 Borrower or Lcn~kr whell givt:n as provided in Ihis
parugraph.
15, Governlnll Law; Sever.bllil), This SecurilY Inslrumenl shall he governed by federal Ill" .nd Ihe law of Ihe
jurisdiction in Whh.:h Ihe Properly i~ locatcd, In thc l~ventlhut any provision or duu'ie of Ihis SCL'urilY Instrument or Ihe Note
cont1it.'ts with applici.lhlc law, slIch connlc! shall not affeL't other provisiOlh of lhis Security Instrument or the Note which can
be given effcct withouI Ihe l'llnlliL'ling proVision. To thiS CliO the pnwbHms of thi\ Security Inslrumenl and the Note arc
declared 10 he ,ever.ble.
16. Burrower's Cnp~, BOfHw,r:r \hill! hI.' given UIlI: L'onfonnt:d cop~ of lhe Note and of thi, Security Inslfumcnt.
17, Trun,fer of lhe I'roller!) flr a lIenenclallnteresl in Bnrrow..., If all or any pari of Ihe ProperlY or any inl<reS! in
it is sold or IransfcrTcd (Of if a bellcfklal inleresl In Borrower i.. sold ur tf'ansh.'rrcd anc.1 Borrower is 1\01 a nillUral person I
without Lender\ prIOr wnltcn con'\cnt. Lender may, ut il:-i opllOn, re4uin; ifTllTlt.'dlUtl' puymelll in full of all ~wms 'icl.'ured by
chis Security lnstmmcnt, Howevcr. Ihl\ opflpn shill! not be c\crL'lsed 11) Lcnder If e:wrl'he i, prohlhitcd by fcJer.lllaw as of
Ih. dale of Ih" See'unll Instrulllent.
If Lender ~'efl.:l~cs (hi, optiulI, L.t:llder \hall ~!l\'c BUfn)\l,!er llotil,.'C of ;JL:(Clcr~1l01l, The notll.'C 'iIHlII rrovide <I period of
nOlless thun 10 da\'\ fromlhc dale the notll'c IS delivered or mailed wlthlll wtw.:h Borrower rnu,t pa~ all sum, sCL'urcd hy tIllS
Security Instf\lmcl;:. If Borrower fill" tu pay Ihe'il.' 'iUIl\S prior to lh~ cXimation of thi, perIOd. L.enJt:r ma~ invoke any
remedies pennilled hy thiS S('cuflty Instrument wllhoUI funth~r noltcc or demand on Borrower. ,
18, Borrower', RighI 10 Relnstale, If Bomll\er meets cerlain condlllOns, Borro"er shall have Ihe fig hi 10 have
enforC'ement of lhl" SCL'lHlty InSlnllllcnl t1i\('nrHlnll,~J al any IImc prior In the earlier of: ial 5 days (Of 'illL"h olht'r period as
Slll~k bll"h .. hnnlt' \hud'nddlr \Ial' t 'SIHlR\I ''1STRl":'tU:'lT .. uOlt!lnn ('m'er\Jl\!\ 9'941 '(',Il'f' 4 ,,{tl (1I./l!I'11
~:cd 131 rALE 5';0
applicable law may ~pecify for reiml.lement) before ~ale of Ihe Propeny pur,uanl In any JIOwer of .ale comalned In thil
Securily In~lrumenl; or (b) erllry of a jodgment enforcing Ihi~ Security Inmument, TItose condlllons are thai Borrower: (a)
pays Lender all ~um. which Ihen would be due onder Ihl. Securlly InSlrumenl and Ihe Nole a. If no accelennlon had
occurred; (b) cure. any defauh of any olher '''lVenllnl. or agreement~: (c) pay. .11 expen.e. Incurred in enforclna Ihls SecurilY
Inslrument, Including, bUI nol limiled 10, rea~orlible anomeys' fees: llnd (d) lake. such aClion a. Lender may ,uson.bly
require III .s~ure Ihullhe licn of Ihi~ S<conly Inslrumenl, L.ender'~ righl' in Ihe Propeny and Borrower'. obligalion 10 pay Ihe
sum. .ecured by Ihi, Securily In,lrumenl ~hall COlllinue unchllnged, Upon rein~lal.menl by Borrower, Ihls Securily
Inslrumenlllnd Ihe obligation. ,ecured hercby ,hall relll.in fully errecllve as if no accoler.lion had occurred, However,lhls
righllo reinSlale ,hall nOI.pply in Ihe case of acceleralion under p,'ragrnph 17.
19, Sale of Nole; Chanae of Loan Servlcer, TIle Nole or a panlal Inlere~1 In Ihe NOle (loaeUler wllh Ihls SecurilY
Inslrument) may be ,old one or more limes WilhoUI prior nolice 10 Borrower. A sale may re,uh In a chanae In Ihe entlly
(known as Ihe "Loan Service!") thai collects monlhly paymenls due under Ihe Nole .nd Ihis Seeurlly Inslrument. There also
may be one or more changes of Ihe Loan Servlcer unrelaled 10 a ~ale of the NOle. If Ihere I. a change of Ihe Loan Servlcer.
Borrower will be given wrinen nOliee of Ihe change in accordance with paragraph 14 above .nd Applicable law, The notice
will .Iale the nlune llnd address of Ihe new Loan Servlcer and lhe addre.. 10 wlllch paymenls should be made, The nOllee will
also conlaln any other informacion required by appllcllble law.
10. Hazardo!ls Substances, Borrower shall nol C.lIse or pennit Ihe presence, use, disposal. storage, ()I relea.e of any
Hazardous Substances on or in Ihe Propeny, Borrower shall not do, nor allow IInyone else 10 do, anYlhlng affecting Ihe
Propeny Ihall. In violalion of any EnvironmelulIl Law. TIle preceding Iwo sentence. shall nOlapply 10 Ihe presence, use, or
stor.ge on Ihe Propeny of small quanlltie. of Hazardous Subslances Ihlllllre generally recognized 10 be appropriale to nonnal
residential uses and 10 maimenance of Ihe Propeny,
Borrower .hall promplly give Lendcr wrlllen nOlice of any investlgalion, c1l1lm, demand, lawsuil or olher action by any
govemmetual or regulalory agency or privllte pany involving Ihe Propeny and any Hazardous Subs lance nl Environmenlal
Law of which Borrower has aClual knowledge. II' Borrowcr learns, or is nOllfied by any govern menial or regulalory
aUlhorily, Ihal llny removal or olher remedial ion of any Hazardous Substance affecllng Ihe Propeny is necessary, Borrower
.hall promplly lake all necessary remedial aClions in accordance wilh Envlronmenlal Law.
As used in Ibi. paragraph 20, "Hllzardous Substances" are Ihose .ubslances defined lIS loxic or hazardolls subSlances by
Envlronmenllll Law and Ihe following substances: gasoline, kerosene, olher lIalllmable or loxic pelroleum products, loxic
pesticides and herbicides, volatile solvenlS, Illillerials conlllinlng ashe~to. or forrnuldehyde, and radloaclive malerials, As
used in Ihis paragraph 20, "Environmentlll Law" one an. federal laws and laws of Ihe jurisdiction where Ihe Propeny Is localed
Ihal relale 10 heallh, safelY or environmelllalprotectlon.
NON-UNIFORM COVENANTS. Borrower and Lender fUrlher covenanl and agree as follows:
11. Acceleration; Remedle., Lender shall give notice to Borrower prior 10 acceleration following Borrower's
breach of any covenant or agreemenl In this Securlly Instrument (but nol prior 10 acceleration under paraaraph 17
unless applicable law provides olherwisel, Lender shall notify lIor'rower of, among olher lhlna.: (a) the default; (b)
lhe acUon required 10 cure the default; (c) when the default must be cured; and Id) lhal failure to curt the default as
speclOed may result In acceleration of lhe sums secured by Ihl. Security Instrument, foreclosure by JUdlclal pro-
c..dlna and sale nf the Property, Lender shllll furlhel' Infnrm lIorl'ower of Ihe rlghllo reinstale aflel' acceleraUon and
the right In assert In the foreclosure proceeding Ihe non-exi.lence nf a defaull or any olher defense of Borrower 10
acceleraUnn and foreclnsure, Ir Ihe defaull Is not cured as specined. Lender al lis npllon may require Immedlale
payment in full of all sums Sl'cured b). this Seeurll~' lnstrumenl wllhoUI fu,'ther demand and may foreclo.e lhls
Securlly In.trument b). Judicial proceeding, I.\'ndcr .hnll b,' enllUed 10 culleel all expense. Incurred in pursuing lhe
remedies provided In Ihl. paragraph 21, Inclodlng, bul not limited 10, attorney.' fees and eusls of title ..Idenee 10 the
extenl permitled by appllcnhle law,
21. Release, Upun paymem of "II sums secured by Ihis SecurilY I,,"mmem, Ihls Securily Instrument and Ihe e"ale
conveyed shall term",,",e "nd become \'oid. Mler such occurrenc'" Lender sh,,1I discharge "nd salisfy Ihl, SecurllY InSln!-
ment without charge to Bo"owcr. Borrower shall pay any recordation costs,
13, Wah'ers. Burrower. 10 Ihe e.\Ient permittcd by applicahle law, waiv", und relellses lIoy error or defecrs in
proceedings to enforce this Sccurlly Inslrument, "nct hereby waives Ihe benetil of any present or fUlure la",s providing for
slay of' execution, extension of lime, c:\cmptiun from ~ltlilChmenl. levy lInd sale, and hornestc:1d exemption. .
14, Relnslatemenl Period, Borrower's lime 10 reinstale provided in paragraph IN shllll eSlend 10 one hour pnor to Ihe
commencemr.nl of hidding ,If a sheriff's sule or other sale pursuant to this Securily Instrument,
~~, Purchase Mune)' Morlgage. If an~. of the debl secured hy this Secumy Inslrllmenl is lent 10 aorrower 10 acquire
lille to Ihe Property, this SecllrilY Inmumenl shall be a purchase money mortgilge. '.
16. Intere.t Rale After .Iudgment. norrower agrees Ihal the imeresl ralC payahle aller II Judgment IS enlered on the
Note or in un action of mortgage.' foreclosure shall he the rate pa)'ablc from lime 10 lime under the Nolt~.
.
form .\OJ9 9190 Ipol' ,I 0/6 1'"1"1
8ood131 I'ACE 571
Fil, ~Iumblr:
930093
SCHEDULE
- CONTINUED
ALL THAT CBRTAIN lot or pieoe of land situate in the Township of Hampden,
Cumberland County, Pennsylvania bounded and desoribed in aooordanoe
with a 8urvey by Ronald S. Raffensperger, Registe~ed Surveyor, dated
January 18, 1973, as follows, to wit,
BBGINNING at a point at the oorner of Beaver Drive (50 feet wide) and
Indian Creek Drive (50 feet wide); thenoe along the west side of Indian
Creek Drive South 06 degrees 56 inutes East, 97.00 feet to a stake
at corner of Lot No. 17 on hereinafter mentioned Planl thence along
the same South 83 degrees 04 minutes West, 138.93 feet to a stake at
the .astern line of Lot No. 15; thencs along the same North 08 degrees
27 minute. 47 seoonds East, 115.13 feet to a point on the south side
of Beaver Drive; thence oontinuing along the same in an easterly
direotion on a curve to the r:l,ght, having a radius of 390.00 feet, an
arc distanoe of 104.80 feet to a pointl thence along the same North 83
d.qrees 04 minutes East, 4.82 feet to a point on the west side of
IndiAn Creek Drive, the point and place of Beginning.
HAVING thereon ereoted a two story aluminum dwelling known as Lot No.
16, Block "B", Plan No.4 on the Plan of Indian Creek recorded in Plan
Book 22, P~ge 139.
BBING known as 217 Indian Creek Drive, Mechanicsburq, Pennsylvania.
UNDBR AND SUBJECT, n.ve~th.less, to easements, restrictions,
re.ervation., oonditions and rights-of-way of r.ecord.
BBING the .amo premises which Edward F. Wadlinger and Rose M. Wad1inger,
ths Mortgagors herein by deed from Robert H. Brown and Donna F. Brown
to be reoorded in the Recorder of Deeds Office in and for Cumberland
County.
..: C'.'n,,~vlv.ni. } 55
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You may need an attorney to assert your rights. The sooner
you contact one, the more chance you will have of stopping the
sale. (See notice on page two on how to obtain an attorney.)
YOU MALJlULL DE ABLE TO IlML YOUR UQPERTY AIUL.XQ.\LHAVE OTI1U
RIGHTS EVEN-tr-~_ 8HERI~~B BALE DOES TA~E ~AOE.
,
1.
be sold
calling
If the Sheriff's Sale
to the highest bidder.
(215) 563-1QQ..Q.
is not stopped, your property will
Vou may find out the price bid by
2. You may be able to petition the Court to set aside the
sale if the bid price was grossly inadequate compared to the value
of your property.
3. . The sale will go through only
Sheriff the full amount due in the sale.
happened, you may call (215) 563-7000.
if the buyer pays the
To find out if this has
4. I f the amount due from the Buyer is not paid to the
Sheriff, you will remain the owner of the property as if the sale
never happened.
5. You have the right to remain in the property until the
full amount due is paid to the Sheriff and the Sheriff gives a deed
to the buyer. At that time, the buyer may br.ing legal proceedings
to evict you.
6. VOll may be entiUed to a share of the money which was paid
for your house. A schedule of distribution of the money bid for
your house will be filed by the Sh~riff on This
schedule will state who will be receiving that money. The money
will be paid out in accordance with this schedule unless exceptions
(reasons why the proposed distribution is wrong) are filed with the
Sheriff within ten (10) days after
7. You may also have other rights and defenses, or ways of
getting your home back, if you act immediately after the sale.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONOE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY ATORNEY REFERRAL
CUMBERLAND COUNTY BAR ASOCIATION
2 LIBERTY AVENUE
Cumberland county Courthouse
CARLISLE, PA 17013
(717) 249-3166
(800) 990-9108
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01 CAPITAL MORTGAGE SERVICES,
INC. I CUMBERLAND COUNT~
I OOURT or OOMMON PLEAS
va. I CIVIL DIVISION
IlDWUD r. WADLINGER I
I ROSIl M. WADLINGER NO. 99-284 CIVIL
I
NOTICE OF ~HERIFr's SALE OF REAL PROPERTY
TOI IlDWARD F. WADLINGER
217 INDIAN OREEK DRIVE
MECHANICSBURG, PA 17055
June 15, 1999
ROSE M. WADLINOER
364 MARKET STREET, APT. A
LEMOYNE, PA 17043
THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE.
Your house (real es'tate) at UL_-1NJUAN CREEK DRIVE,
MIlCHANICS8URG. PA 17055, is scheduled to be
sold at the Sheriff's Sale on SEPTEMBER 1, 1999 at 10:00 a.m. in
the Cumberland County Courthouse, South Hanover Street, Carlisle,
PA 17013, to enforce the court jUdgment of $99.685.t1 obtained by
GE C~PITAL MORTGA~E SERVICES.
lHQ. 2000 UiT LOOP SOUTH. SUITE 1300 (the \nortgagee) against you.
~ OWNER I S RIGHt!
~-MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriff's Sale, you must take illlJll.diat.
IS!.U.21ll
1. The sale will be cancelled if you pay to the mortgagee
the back payments, late charges, costo and reasonable
attorney's fees due. To find out how much you must pay,
you may call: iU5l 563-7000.,
2. You may be able to stop the sale by filing a petition
asking the Court to ,strike or open the judgment, if the
judgment was improperly entered. You may also ask the
Court to postpone the sale for good cause.
3. You may also be able to stop the sale through other legal
proceedings.
.
f
You may need an attorney to assert your rights. The sooner
you contact one, the more chance you will have of stopping the
Bale. (See notice on page two 011 how to obtain an attorney.)
rou MAY STILL BB ~-lO SAVB YOUR PROPBRTY AND YmL HAVE OTHER
RIGHTS BV~~ THE SHERIFF'S SALE DOBS TAXE PLAO~
"
1. If the Sheriff's Sale
be sold to the highest bidder.
calling ~l 563.:1QQ.Q.
is not stopped, your property will
You may find out the price bid by
2. You may be able to petition the Court to set aside the
sale if the bid price was grossly inadequate compared to the value
of your property.
3. ,The sa le will go through only if the buyer pays the
Sheriff the full amount due in the sale. To find out if this has
happened, you may call (215) 563-7000.
4. If the amount due from the Buyer is not paid to the
Sheriff, you will remain the owner of the property as if the sale
never happened.
5. You have the right to remain in the property until the
full amount due is paid to the Sheriff and the Sheriff gives a deed
to the buyer. At that time, the buyer may bring legal proceedings
to evict you.
6. You may be entitled to a share of the money which was paid
for your house. A schedule of distribution of the money bid for
your house will be filed by the sheriff on This
schedule will state who will be reoeiving that money. The money
will be paid out in accordance with this schedule unless exceptions
(r,easons why the proposed distribution is wrong) are filed with the
Sheriff within ten (10) days after
7. You may also have other rights and defenses, or ways of
getting your home back, if you act immediately after the sale.
YOU SHOULD TAXB THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONB, GO TO OR TELEPHONE THE OFFICE
LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY ATORNEY REIi'ERRAL
CUMBERLAND COUNTY BAR ASOCIATION
2 LIBERTY AVENUE
Cumberland county Courthouse
CARLISLE, PA 17013
(717) 249-3166
(800) 990-9108
THE PATRIOT NEWS
THE SUNDAY PATRIOT NEWS
Proof of Publication
Under Rttl!ll..SB7. Rooroued Mau 16. 192~
Commonwealth 01 Penneylvenla, County 01 Dauphin) 88
Michael Morrow being duly sworn according to law, deposes and says:
Thai he Is tha Anlalanl Controller 01 THE PATRIOT.Nl:WS CO., a corporallon organized and exlsling under Ihe laws
01 Ihe Commonwealth 01 Pennsylvania, with Its principal olllco and place of business al 812 to 818 Markol Slreet, In
the City 01 Harrisburg, County of DRuphln, Slale of Ponnsylvania, ownor and publisher 01 THE PATRIOT.NEWS and
THE SUNDAY PATRIOT.NEWS newspapers of general clrculallon, printed and published at 812 10 818 Market Streel,
In the City, County and Stale aloresald; that THE PATRIOT.NEWS and THE SUNDAY PATRIOT,NEWS were eslabllshed
March 4th, 1854, and September 10th, 1949, respocllvely, and all have been conllnuously published ever since;
That the printed nollcll or publication which Is securely attached heroto Is exaclly as printed and published In
their regular dally and/or Sunday and Metro edlllons/lssues which appeared on the 27th day(s) of July and the 3rd
Ind 10th day(s) at August 1999, That neither he nor said Company Is Interested in the subjeot matter 01 sold printed
notloe or advertising, and that all ot the allogallons of this statement as to the lime, place and charlloter 01
publioatlon are true; and
Thai he has personal knowledge 01 the facts aforesaid and Is duly aulhorlzed and empowered to verily this
'lalement on behalf of The Patriot. News Co, aforesaid by virtue and pursuant to a resolullon unanimously passed and
adopllld severally by Ihe stockholders and board of directors of the sold Company and subs<.quenlly duly recorded In
the 011108 lor the Recording of Deeds In and tor said Or;;y ot Dauphin In Miscellaneous Book "M",
Volume 14, Page 317, .
I
PUBLICATION .
COpy
SALE 127
swor[n t~ and sUbscrlbed\before,/
NolarliJl S ill </
lorry l. Hu!So~)- olary "'~lic .'
Haffi~;burQ, Dauphin Cow
_"-~~~\~!:!~~~~o n, ,'002
Morlltl!l!, fJonnSYNr.lma AS$OCI<1Ii;Y~,
I
CUtv'BERLAND COUNlY SHERIFFS OFFICE
(',()lJRT HOUSE
CARLISLE, PA, 17013
Statement of AdvertlslnQ Costs
To THE PATRIOT.NEWS CO" Dr,
For publishing the notice or publication allached
hereto on the above stated dales $
Probating same Notary Fee(s) $
Total $
309,75
1,50
311,25
Publisher's Receipt for Advertil3ing Cost
THE PATRIOT.NEWS CO" publisher of THE PATRIOT.NEWSand THE SUNDAY PATRIOT.NEWS, newspapers 01 general.
' circulation, hereby acknowledge receipt of the aloresald notice and publica lion costs and certifies thai the same have
been duly paid, THE PATRIOT. NEWS CO.
8y""""""""."""",,,,,..,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
PRO 011 OF PUBLICATION OF NOTICI<:
IN ClJMBERLANI> LA'tV JOURNAL
(Under Act No, 587, approved MlIY 16, 1929), p, L.I ;84
STATE OF PENNSYLVANIA :
ss.
COUNTY OF CUMBERLAND :
Roger M. Morgenthal, Esquire, Editor of the Cumberland LlIw Journal, of the County
and State aforesaid, being duly sworn, according 10 law, deposes and says thai the Cumber]a~d
Law Journal, a legal periodical published in the Borough of Carlisle in the County and State
aforesaid. was cstablished January 2, 1952, and designated by the local courts as the official legal
periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly
issued weekly in the said County, and that the printed notice or publication attached hereto is
exactly the same as was printed in the regular editions and issues of the said Cumberland Law
Journal on the following dates,
viz:
JULY 23, 30, AUGUST 6, 1999
Affiant further deposes that he is authorized to verify this statement by the Cumberland
Law Journal, a legal periodical of general circulation, and that he is not interested in the subject
matter of the aforesaid notice or advertisement, and that all allegations in the foregoing
statements as 10 time, place and character of publication arc true,
IlEAL UTATE IAt& NO, 27
WrIt No, 91),284 Civil
,-- f??JJd/,,-
Ro er M, Morgcnthul, Editor
OE Capital Morlgagr Srrvl~ro, In~,
vo,
Edward 1", Wadllll~cr n!ul
Rose M. W<ullln~('r
Ally,; ~'mllk Frdcl'lIIafl
IlESCllII'l'ION
AI.I.TIIATf'ElfrAIN lot 01'1'11'1'1'01'
IUllcl sttulltr III thl' Towllshlp of
'lam)xlt'll, ('OIlIlly nfCtllllhcrlilll<1 and
COlllT1IOIlWrnllh of PCllllsylvllllla
hO\ll\(I('(\ IInd (It>s<'I'lhcd In Hccord'
11I1l'(' with II !Hlr\'('y hy I~{)llilld S, HlIf-
r(,IHtp('r~('r. Hcgl!'itnrd Su:\'{'yor,
datt'd ,IiUlllillY 1M. 107a, liS lollows,
Inwll:
m.:nINNIN(I at a \xllnt at tilt' mI"'
un ill' IWa\'I'1" Drlvl' (fiO fp('( \\'Idr) tIlld
Indian Cft'{'k Drl\'I' (fiO 1'1'1'1 wide);
thellCI' illoll~ thl' WI'sl shh- of llldlan
Cn'l'k Drlv!' Soulh on c1r,p'('~ :",n
lllIIlUII'S I'~a..l ~j"/ ,00 fl'l'l to a slak(' at
('urllN of Lot Nil, 17 011 tH'I"('lnafh'l
nU"1l1l01lrd Plall: 1I11'1l{,(, i1tollj,t th('
SHill(' South H:t c1{'~r(,I's 04 1lI1111111'!'<
Wt'st, I :UUI:\ rel't to H slnkl' at tilt'
SWORN TO AND SUBSCRIBED before me this
-Ldayof AUGUST. 1999_
,
C -'
. /
L21~~.</( /
J.., .N~
N01AIltAl.fAt
100S ~, SNYDfR, ~Iol)' Public
Cnd..,. 80m, Cvmb..-kt~d County, PA
My COIllMit"Ofl hpi'.' March~, 2001
--,.----...'"
PROOF OF PUBLICATION OF NOTICE
IN CUMBERLAND LAW JOURNAL
(Under Act No, 587, approved May 16, 1929), p, L,1784
STATE 01<' PENNSYLVANIA :
COUNTY 01<' CUMBERLAND :
85.
ROller M. Morllenthal, Esquire, Editor of the Cumberland Law Journal, of the County
and State aforesaid, being duly swom, according to law, deposes and says that the Cumberland
Law Journal, a legal periodicul puhlished in the Borough of Carlisle in the County and State
aforesaid, was estahlished January 2, 1952, and designated hy the local courts as the official legal
periodical for the publication of alllegnlnotices, and has, since January 2, 1952, been regularly
issued weekly in the said County, und that the printed notice or publication attached hereto is
exactly the same liS was printed in the regular editions lInd issues of the said Cumberland Law
Journal on the following dates,
viz:
JULY 23, 30, AUGUST 6, 1999
Affiant further deposes that he is nnthorized to verify this statement by the Cumberland
Law Journal, a legal periodical of general circulntion, nnd that he is not interested in the subject
malter of the ufol'esllid notice or advertisement, and that all allegations in the foregoing
statements as to time, place ami character of publication m'e true,
R&AL urATE BALE NO, 27
Writ No, 99,284 Civil
OE Call1lal Mortgage Servtce., Inr,
VH,
Edward J<'. Wa(llllt,l(l~r and
HoS(' M. WadlJfl,l(cr
AUy.: Frank !<"(!dcrJllall
IlESCHWnON
AI.I, TIIAT C1mTAIN lot or plrrr of
Innd sltuatr In tht, Township of
Hnmlxlcn, C'OlllllyofClllltl>erlatl(lllIld
COlHlllonwcalth of Penllsylvauln
bounded ami descrlhed In lH'COl'd.
nncc with n sUlvey hy HOllalcl S, HM.
fcnspcrgcr, I~(~gtstcrrcl Stlr-vcyOI',
dated ,JIUHllllY IR, 107:1, i-Hi follows,
lowl(:
UEOINNING at a polllt at till' ('or.
lieI' of Beawl' IlrlVl: (!)O fed Wide') and
Indian Creek Drlvt' (50 fect Wlflf'l:
tht'nec' alon~ IIIl' Wl'!i( sldc' of Indian
Cl'el~k Drlv(' Soul Ii on (It~~n'l'~ fin
minutes I';ast. 07,00 h,(.tto a stake ill
('01'1I('1' of I,ot No, 17 (III h(Telllllrtcl'
IIlclltlol1ccI Plall; tht'll<'(' aloof.{ lilt'
SHIUe South H:i d('~r('('s (}.l mlnut('s
West. laH,ua f(',,~I 10 II stake ill th('
r~ast('rn 1111(' of Lot No. I [i; 1IH'1l(,(,
alnn~ tht, sal1l(' North OM d('~n~{'s '1.7
1l1l11uh'n 17 ~~{'('()lId"i EM;I Illl' ~i
ft,el to a pulnt till tht' South sl(k of
Beuv('r DI'I\'e; thrm:c ('(}(Il1l1ulll,l(
HI{ln~ the same III an Easterly dlrc("
t!on 011 il {'\I~'(' to 11m rl~hl. hf1vin~ il
l'lUIlIIS of :mo,oo II'cl. all ar(' dlslilll('('
(If I04.MO fC'l't III II IKllnt: tll(,I\('I' 111OJI~
tht. sault' North H:i c1('~I'('('s 04 mill'
IItt'!II'~asl. 4.R:..! 1"1.'('t 10 II p011l1 UlIlIll'
W('~I sld{' of Indian ('n'rk DI'I\'(', Ih('
pOlllt ilnd pl;w<, of IIE(lINNINO.
IIAVINn lIll.'/'('oll NtT!t'd a two
story ahllllllllllll I.h\'t'lIIIl~ kllOWII as
Lot 'No. W. Hinck "It", Plall No, " Oll
th(' Plall (If IlIdlnll ('!'C'rk !'t'('oul!.'d III
Plnll Honk 22, I'H,Lt(. I :m,
IJEINU kllOWIl as No, 217 Indlilll
('Iw'k 1>r!Vt', ~kl'lUlIll<'sIHII'~, !'{'llll'
Hyl\'i\llla,
IIEINn Til,~ Jla!'l't'l If IO-:J.O IH40,
- /72221/\.-_
Roger M, Morgenthal, Editor
SWORN TO AND SUBSCRIBED before me this
J_dayof AUGUST. 1999
\..
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}
1)1 A .-/l~
/
NOTAll1Al SEAL
lOtS E, SNVDER, Notary Public
Corlltl. floro, Cumberiu"d COU"ty, PA
My Commlhlon hp4r.. Mardl.5, 7001
----
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You muy need nn nttorney to nssert your rights. The sooner you contnet one, the more chance
you will hnve of stopping the snle, (See notice on pnge two on how to obtuin un nttorney.)
YOlJ MA Y STILL liE ABLI~ TO SA VE YOUR PROI'ERTY ANI> YOUIIA Vf: OTHER
RIGIITS EVEN IF TilE SHERIFF'S SALE I)OES TAKE .r.LAC.E,
I. I I' the Sheriff's Sule is nol stopped, your property will hl' sold to the highes: bidder. Y oumay
tind out the price bid by culling (215) 563- 7000.
2. Youmuy be uble to petition the Court to set aside the sule ifthl. bid price was grossly
inadequnte compured to the vulue of your properly.
3, The sulc will go through only if the buyer puys the Sheriff the full nmount due in the sail" To
tind out if this hus happened, you may call (717) 240-6390,
4. If the amount due 1'1'0111 the Buyer is not paid to the Sheriff, you will remain the owner of the
property as if the sale never happened,
5. You have the right to remuin in the property until the full amount due is puid to the Sheriff
and the Sheriff gives a deed to the buyer, At thut time, the buyer may bring legul proceedings to evict
you,
6, Y oumuy be entitled to a share of the monl,y which was puid for your house. A schedule of
distribution of the money bid for your house will be liIed by the Sherlffwithin 30 days of the sale. This
schedule will stute who will be receiving that money, The money will be paid out in accordance with .
this schedule unless exceptions (rcusons why the proposed distribution is wrong) ure liIed with the
Sheriff within ten (10) days uller the distribution is liIed,
7, You may ulso huve other rights and defenses, or ways of getting your home back, if you act
immediately after the sale,
YOU SHOULD TAKE THIS PAI'ER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE
A LA WYEI{ OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED
BELOW TO FINO OUT WHERE YOU CAN GET UX;AL HELP,
CUMlmIU,AND COUNTY ATTORNEY REF'ERRAL
CIJMBERLAND COUNTY BAR ASSOCIATION
2 LIBERTY A VENm:
CUMBERLAND COUNTY COlJRTHOUSE
CARLISLE, PA 17013
(717) 249.3166
(800) 990.9108
-- --T-
<TIJTlI-
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.
,
on Cnllitlll Mortgllge Services Inc,
-vs-
EdwUld (I, Wudlinger
Rose Wudllnger
In the ('ourt of ('ommonl'leus of
Cunlberlnnd ('oullty, Pellllsylvlllllu
No, l)l).284 Civil
Shuwll Hllrri:llll1, Deputy Sheriff, who being duly swol'Jluccordlng toluw, suys on
Mnrch 31, 2000 ut 4 :24 0' clock 1', M, EST he posted u copy of Real Estutc Writ Noliee
Posler und Description in the IIbovc entitled lIetion upon the property of Edward
Wudllnger und Rose Wudlinger loeuted at 217 Indian Creek Drive, Meehuniesburg,
Cumberland ('ounty, Pennsylvania, a\~eordlng to law,
Shuwn Ilarrison Deputy Sheriff who being duly sworn according to law, says on
Murch 31, 2000 at 4"24 o'clock !"M, EST, he served II true copy of Real Estute Writ
Notice Poster and Descriptloll in the ubove entitled action upon one of the within nllllled
delcndllnts to wit: Edward Wild linger by making known unto Theresa Wudlinger,
daughter lit 217 Indlun Creek Drive, Mechanicsburg, its contents and at th" sume tillle
hundlng 10 her personally the said true and attested copies of the sume,
Shawn Ilurrison, Deputy Sheriff who being duly sworn according to law, says on Murch
30,2000 lit 7:27 o'clock P,M, EST, he served at rue copy of Real Estate Writ Notice
Postel' und Description in the above entitled action upon one of the within numed
defendullts to wit: Rose Wadlinger by making known unto Rose Wadllnger ut l)8-A
Ilerman Avenue, Lemoyne, Cumberland County, Pennsylvania, its l~ontents and lit the
same time handing to her personally the said true and uttested copies of the same,
R, Thomas Kline, Sheriff, who being duly sworn uccOI'ding to luw, says he served the
uhove Real Estate Writ Noliee Postel' and Description in the following manner: The
Sheriff mill led a notice of the pendency of the uction to one of the within named
defendants to wit: Edward Wudlinger hy first class mail to his last known address 217
Indian Creek Drive, Meehanicsburg, Pennsylvunla, This leller was mailed under the date
of March 31, 2000 and never returned to the Sheriffs Office,
R, Thomas Kline, Sheriff, who heing duly sworn according to IIIW, says he served the
uhove Reul Estate Writ Notice Postel' and Description In tlte following manner: The
Sheriff mailed a notice of the pendency of the action to one of the within named
detcndunts to wit: Rose Wadi Inger hy first class mail to hcr last known address l)8-A
Herman Avenue, Lemoyne, Pennsylvunia, This letter was muiled under the date of Murch
31, 200t) and never returned to the Sheriffs Omee,
R, Thomus Kline, Sheriff, who heiug duly sworn according to law, says that atter due
and legill notice had he(~n given according 10 law, exposed the within descrihed premises
at puhllc venue 01' outcry at the CourtHouse, Carlisle, Cumhcrland Counly, Pennsylvaniu
on June 7, 2000 at 10:00 o'clock ^,M, and sold the sume for the Sllll1 01'$ 114,001.00 to
Gary Raymond Morris and Sharon Speck Morris, It being the highest price and hest price
quoted Illr the same Oary Raymond Morris and Sharon Speck Morris 01' 20 Skyport
Road, Mechanleshurg, Pennsylvania helng thc buyer In this exccutlon paid to sherlff'l{,
Thomas Kline the sum of $ 11l),938,26 it helng amount of judgement and costs,
Sherin's Costs
DOl'keting
Poundhge
30,00
2,28{1.O2
TITLE REPORT
TIlE PIUiMISES ENDORSED HEREON ARE SUBJECT TO THE FOLLOWING
ITEMS, Wlllell WILL liE EXCElY/'liD IN TilE POLICY UNLESS SAJ'ISFACTORY
EVlDliNCE PEI{MITTINO TIIEIH REMOV AI. IS PRODUCED,
SHERIn.' SALE NO. 22
Held WednesdllY, .hllll' 7, 2000
Dnte: June 7, 2IHH)
TAXES: Reeeipls 1'01' ull taxes for the years 1997 10 19<J9 inclusive, Taxes I()r the eurrcnl yeur
2000,
WATER RENT:
SEWER RENT
('olllpuuy assumes no Iiahility f(lI' privale supply of waleI' or sewer,
Ih'ceipts to he produced if services are Iienahle,
MECHANICS' AND Possihlc unfiled Mechunics Liens and tvhmicillal Claims,
MUNICIPAl. CLAIMS
MORTGA(j"~S: Listed Undl)!' 011](11' Exccptions Below,
.JUDGMENTS: Listt~d Under Other Exceptions Bclow,
INSTRUMENTS TO DE PROUlJCED: Dced from Cumhcrlund County Shcriff to
datcd , 2000. und rcwrded
, 200(), iu Cumherlund County Deed Book , Page
RI~CITAL: Being the slime premises which Rohel'l II, Bwwnund Donlla F, Brown, hushand und
wife, hy deed dated April 22, 1993 and recorded May 4. 1993 in the Officc of the Rceorder of
Deeds inalld li}r Cumherland Counly, al Curl isle, Pennsylvaniu, in Deed Book "0", Volume 36,
Page 471 granted nnd conveyed 10 Edwllrd F, Wadlinger and Rose M, Wadi inger, hushnnd nnd
wife,
OTHER EXCEI"I'IONS:
I, The identity and legal Clllllpetency of pal'lics at the closing of Ihis title should he
e!.tahlished to the satislilelion of the closing attorney ucling for Ihls Company,
2, Righls 01' c1uims of parlil~s in possession, if any, other than the owner.
.l Unrecorded easemellls, disl'repllncies or conflicls in houndary llillls, shol'luge in urea
und elll'roadmwnls which i1n ,Il'cuml,' and complete survey would disclose,
4, PUYlllt'nl of Slilll' und locill Real Estate Transfer Taxes, if required,
:,\, Puhl", and privule rights in the roildhed of :'\()-fel~l wide Indian Creek Drive und in the
romlhed of :'i(H'cet wide Beaver Drive,
6, Conditions, Cilseml'nls and 'festriclions shown 011 01' sel forth on Plan No, 4 of Indiun
C1wk recorded in Cumherland ClIunly Plan BlIllk 22, Page 139,
7, Building and US\' conditions and n~slriclion' as ",t I<nth hy instrulllentrewrdcd in
Misl'c1hlllt'IlUS Rl't'lInl BlIllk 2m, Page 71 X,
. ,
...
You may need un attorney to assert your rights, The !Jooner you contact one, the more chance
you will have of stopping the sule. (See notice on page two on how to obtain an attorney.)
YOU MAY STILL DE ABU: TO SA VE YOUR PROPERTY AND YOU HAVE OTHEI!
RIGHTS EVEN IF THE Sm:RI/<'F'S SALE DOES TAKE PLACE.
I. If the Sherin's Sale is not stopped. your property will be sold to the highest bidder, Y Oil muy
tind out the price bid by calling (215) 563-7000.
2. You may be uble to petition the Court to set aside the sale if the bid price was grossly
inadequate compared to the value ofyolll' property,
3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To
find out if this has happened, you may call (7/7) 240-6390,
4. If the amount due from the Buyer is not paid to the Sheriff~ you will remain the owner of the
property as if the sale never happened,
5. You have the right to remain in the property until the full amount due is paid to the Sheriff
and the Sheriff gives a deed to the buyer. At that lime, the buyer may bring legal proceedings to evict
you.
6, You may be entitled to a share of the money which was paid for your house, A schedule of
distribution of the money bid for your house will be filed by the Sheriff within 30 days of the sale. This
schedule will state who will be receiving that money, The money will be paid out in accordance with
Ihis schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the
Sheriff within ten (10) days altcr the distribution is tiled.
7, You may also have other rights and defenses, or ways of gelling your home back, if you act
immediately after the sale,
YOU SHOULD TAKE THIS PAPER TO YOl1R LA WYER AT ONCE. IF YOU DO NOT HAVE
A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED
BELOW 1'0 FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLANI> COUNTY ATTORNEY REFERRAL
CUMBEI~LAND COUNTY BAR ASSOCIATION
2 LIBERTY A VENUE
CUMBERLAND COUNTY COURTHOlISE
CARLISLE, PA 170/3
(717) 249-3166
(800) 990-91011
THE PATRIOT NEWS
THE SUNDAY PATRIOT NEWS
Proof of Publication
JJIIlIer~~U.lfi.1929
Commonwealth 01 Penn8ylvanla, County 01 Dauphin} 8e
Mlchllel Morrow being duly swo,'n according to law, deposes and says:
That ho Is tho Asslstnnt Conlrollor of THE PATRIOT.NEWS CO" a corpora lion organized and oxlstlng under the lews
of tho Commonwoallh 0f Ponnsylvanla, wllh lis principal office and place cf buslnesG at 812 to 818 Market Slreet, In
1110 Clly ot Harrisburg, Counly of Dauphin, State of Ponnsylvanla, ownor and publisher of THE PATRIOT,NEWS and
THE SUNDAY PATRIOT.NEWS newspapors of genoral clroulatlon, prlnleel and published at 812 10 818 Market Street,
in tho CUy, Counly anel Stalo aforesaid; Ihat THE PATAIOT.NEWS and THE SUNDAY PATRIOT.NEWS were established
Mmch 'III" 1854, and September 18th, 1949, respecllvely. and all have been continuously pUbliShed ever slhce;
That Ihe printed notice or publication which Is securely allached hereto Is exactly as printed and published In
their roqular dally and/or Sunday and Metro editions/Issues which appeawJ on Ihe 2nd, 91h and 16th day(s) of May
2000, That nallhor he nor sold Company Is Interested In the subjecl maller of sold printed notice or advertising, and
thai all of Iho allegations of this stalemont as 10 Ihe lime. piece and character of publication are true: and
That he has personal knowledge of the facls aforesaid and Is duly authorlzeel and empowered to verify this
stalomont on behalf of The Patriot, News Co, aforesaid by vlrlue and pursuant 10 a resolution unanimously passed and
adoptoel sevorally by the stockholders and board of directors f Ihe said Company and SUbsequently duly recorded In
the otlleo for the Aecordlng of Deeds In and for said County 0 uphln I ',Mlscellanoous Book "M",
Volumo 14, Page 317, /) "~
PUBLICATION
COPY
SALE'22
S
Nola.alS..1 / 2,nd day o.~, :~~'_
Terry L. Au~seU, Nolary PUbliC; "....c...,
Harrisburg, C'auptlln County
My Comn,,,lon E'plr.. June 6,2002 NOT VPUBLlC
Mem~.r. Pennsylvania Associallon u4 M",r.mmlsslon expires June 6, 2002
CUMBERLAND COUNTY SHERIFFS OFFICE
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA. 17013
Statement of Advertising Costs
To THE PATRIOT.NEWS CO" Dr,
For publishing the notice or publication attached
herelo on the above stated dates $
Proballng same Notary Fee(s) $
Tolal $
268,88
1,50
270,38
.
. ..... p4IO..... PI i . 000 -
'.JIllIO 101 Ot$".IUI!P
;I,'~J:=~ =:i~m'~
.. ",IS\lIO 101 Q'-
'",~j~,b,'",IQ", ',.,JlClI lIt"$",,l'~l):-
.....om'Ill(l,...
, '~" ," "". '910
THE PATRIOT NEWS
E SUNDAY PATRIOT NEWS
Proof of Publication
.urult!C1IlLNo, 581, Roorooed May 1R..12Z2
ommonweallh of Pennsylvania, County of Dauphin) 8ft
duly swap" otwl"l(ng to law, deposes ond soys:
;"Jijf' lIer of THE PATf110T.NEWS CO" a corporation organlled and exlslln\l under Ihe laws
,<.,1'.' ylvanla, with Its principal nfflce find place of business at 81210818 Markel Slreet, In
,f Dauphin, State of Pennsylvania, owner and publisher of THE PATRIOT.NEWS and
newspapers of general circulation, printed and published at 812 to 818 Markel Slreel,
'esald; thai THE PATRIOT,NEWS and THE SUNDAY PATRIOT-NEWS were established
'r 181h, 1949, respectively. and all have been conllnuously published ever since;
'r publication which Is securely attached herelo Is exactly as printed and published In
, and Melrc editions/Issues whloh appeared on the 2nd, 91h and 16th day(s) of May
Oompany Is interesled In the subJeot matter of said printed notloe or advertising, and
&tatement as to the time, place and character of publica lion are true; and
owledge of the facls aforesaid and Is duly authorlled and empowered 10 verily Ihls
It.NeVls Co, aforesaid by virtue and pursuanl to a resolution unanimously passed and
'ders and board of directors ~Ihe said, c,omp, any and subsequently duly recorded In
ods In and for sold County 0 uphln I,' 'Miscellaneous Book "Mil,
i~llMlI\
'1 , ' ,
J\J;'I(b:~ .11-"\' \1\(l(IV. O;\lfll\<;,ltl \ \Il\, I
W,l\\'t.d ~\'il'"t t.l\UHlI t' ,1'1 \11"\ ,II, It I
S
~._,
~
,-'
2002
CUMBERLAND COUNTY SHERIFFS OFFICE
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013
,
Statement of Advert1ilng_.QQs\j
To THE PATRIOT.NEWS CO" Dr.
For publishing the notice or publication allached
hereto on Ihe above stated dates $
Probating same Notary Fee(s) $
Tolal $
268,88
1.50
270.38
~
Publisher's Receipt for Advertising Cost
THE PATRIOT.NEWS CO" publlstler of THE PATRIOT. NEWS and THE SUNDAY PATRIOT.NEWS, newspapers of general
circulation, hereby acknowlodge receipt of the aforesaid notice and publication costs and certifies thai the same have
been clulypald, THE PATRIOT,NEWS CO,
By, "',','",'",,,,,,,,,,,,.".,,..,,,,...,,'.',,,,,,,,,,,,,,,,,,,,,
.
PROOF OF' PUBLICA nON OF NOTICE
IN ClIMBERLANH LAW JOURNAL
(Under Act No. 587, approved May 16, 1929), p, L.1784
STATE OF PENNSYL VANIA :
COUNTY OF CUMBERLAND :
S~.
Roger M, Morgenthal, Esquire, Editor of the Cumberland Law Journal, of the County
and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland
Law Journal, a legal periodical published in the Borough of Carlisle in the County and State
aforesaid, was established January 2, 1952, and designated by the local courts as the official legal
periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly
issued weekly in the said County, and that the printed notice or publication attached hereto is
exactly the same as was printed in the regular editions and issues of the said Cumberland Law
Journal on the following dates,
viz;
APRIL 28, MAY 5, 12, 2000
Affiant further deposes that he is authorized to verify this statement by the Cumberland
Law Journal, II legal periodical of general circulation, and that he is not interested in the subject
matter of the aforesaid notice or advertisement, and that all allegations in the foregoing
statements as to time, plllce and character of publication are tnlC,
IUIW. ElTATI: uti: l'IO. aa
--
7:..-:;> /Z~/L
._--~ Rogel M, Morgentha1, Ed!'tor
-.
Writ No, 99, 284 Civil
OE Capital M()rt~a,q(' Services, Ill(',
vs.
F.dwam ~', Wadllnger and
Rose M, W.dllng.r
Ally,; Frank Fc'clr.rlllau
/l~;SCRlI'TION
ALL 111AT n;RTAIN 101 or p",,_., of
flUId sHuatr Jlllhe TCJ\NIIshlll of f lilUlp.
den. CotlluyofCulllbrrJal1dilll(1 ('OJII'
mon~nUh of Pt>nnsy'va'llillxlll,ull'(1
ancl cleS('rJbed in accordau('(' WJlfI il
SUrvr)' hy J~ollllld S, lUlffl'Jlsper.t{N,
R('Rj~((,"('d Surveyor. dlllrd ,JillllJary
18, l.l7:), as fOJ/OW8. to WIl: .
U~;OlNNING a'a pulHl all/IO rOT,
! nrrof 8cavc~r lJrlve {fjO (('(>f Wlelc') 1I1ul
I Indian Creek Olivr {50 h'f't WJdt"
I t!ICII('(' along the Wrst side of IlldJill;
Crerk Dl1vr Soulh Of.' d('~n'('s fin
m'nWrs ElIsl. 97,(X)'r(.t III n slnk(' Ell
('orl1er of Lot No. 17 Oil hl'u'llIaftt'C'
~~~~~j~lIt.'d fllau: thrll{'(' alOIa' 1I1f'
SWORN TO AND SUBSCRIBED before me this
12 day of MAY,2000
d, <' ~,/-~L .j)l:ifr6 A _-
.._._q"--,,,,,,,Notltrv"'....,,~-' J
"'1()l1',~IU~,:-;a.1
lOUt f, SNYl)f.R fj.__<l-ury "ubUc-
[ C'Hit~. j'k'fO, (ul-nblilicHld County, f'A
M'I Cornmi.,.jr..o b-pu..\ Ml.udl :1, 1001
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