HomeMy WebLinkAbout99-00466
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~J\f13Hd ON\i N\jy~1:I3a3:l
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE
THIS FIRM IS A DEBT CO~LECTOR ATTEMPTING TO COLLECT A DEBT.
THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE
INDEBTEDNESS REFERRED TO HEREIN AND ANY INFORMATION OBTAINED FROM
YOU WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY
RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS NOT
AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT,
BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY.
The Commonwealth of Pennsylvania's Homeowner's Emergency
Mortgage Assistance Program may be able to help you. Read the
following notice to find out how the program works.
If you need more information call the Pennsylvania,Housing
Finance Agency at 1(800) 342-2397.
La notificacion en adjunto es de suma importancia, pues
afecta su derecho a continuar viviendo en su casa. Si no
comprende el contenido de esta notificacion obtenga una
traduccion immediatamente llamanda esta agencia (Pennsylvania
Housing Finance Agency) sin cargos al numero mencionado arriba.
puedes ser elegible para un prestamo por el programa llamado
"Homeowner's Emergency Mortgage Assistance Program" el cual puede
salvar su cas a de la perdida del derecho a redimir su hipoteca,
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE
PROGRAM
PLEASE READ THIS NOTICE.
YOU HAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR
HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
Date: December 16, 1998
RE: Account No. 820339
Premises: 413 Pitt Street, Enola, PA 17025
TO: Paul W. Peffer, II
413 Pitt Street
Enola, PA 17025
Maria C. Peffer
413 pitt street
Eno1a, PA 17025
FROM:
Federman and Phelan, attorney for Norwest Mortgage,
Inc.
You may be eligible for financial assistance that will
prevent foreclosure on your mortgage if you comply with the
provisions of the Homeowners' Emergency Mortgage Assistance Act
of 1983 (the "Act"). You may be eligible for emergency temporary
assistance if your default has been caused by circumstances
beyond your control, you have a reasonable prospect of resuming
EXHIBIT A
'.
your mortgage payments, and if you meet other eligibility
requirements established by the Pennsylvania Housing Finance
Agency. Please read all ,of this Notice. It contains an
explanation of your rights.
Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty (30) days from the date
of this Notice. During that time you must arrange and attend a
"face-to-face" meeting with a representative of this lender, or
with a designated consumer credit counseling agency. The purpose
of this meeting is to attempt to work out a repayment plan, or to
otherwise settle your delinquency. This meeting must occur in
the next (30) days.
If you attend a face-to-face meeting with this lender, or
with a consumer credit counseling agency identified in this
notice, no further proceeding in mortgage foreclosure may take
place for thirty (30) days after the date of this meeting. As
representative of the mortgage holder, our name and address is:
FEDERMAN AND PHELAN, SUITE 900, TWO PENN CENTER PLAZA,
PHILADELPHIA, PA 19102; Telephone Number: (215) 241-1711.
The names and address of designated consumer credit
counseling agencies are shown on the attached sheet. It is only
necessary to schedule one face-to-face meeting. You should
advise this lender immediately of your intentions,
Your mortgage is in default because you failed to pay
promptly installments of principal and interest, as required, for
a period of at least sixty (60) days. The total amount of the
delinquency is $11,407.15.
That sum includes the following:
Total of monthly payments from 10/1/97 to 12/1/98 including all
accrued late charges, if any: $11,413.23
Property inspections and NSF check charges,
if any:
88.75
Other charges accrued, if any:
Q...QQ
LESS: Suspense (unapplied funds):
-94.83
$11,407.15
TOTAL AMOUNT OF DELINQUENCY:
MIA
Your mortgage is also in default for the following reasons:
If you have tried and are unable to resolve this problem at
or after your face-to-face meeting, you have the right to apply
for financial assistance from the Homeowners' Emergency Mortgage
Assistance Fund. In order to do this, you must fill out, sign
and file a completed Homeowners' Emergency Assistance Application
.EXHIBIT A .
with one of the designated consumer credit counseling agencies
listed on the attachment. An application for assistance may only
be obtained from a consumer credit counseling agency. The
consumer credit counseling agency. will assist you in filling out
your application and will submit your completed application to
the Pennsylvania Housing Finance Agency. Your application must
be filed or postmarked, within thirty (30) days of your face-to-
face meeting.
II is extremely importanllhal you fue your applicalion prompl/y. If you do nel do so, or if you do nol
follow Ihe olher lime periods sel fonh in Ihis leller, foreclosure may proceed against your home immedia/e(~',
Available funds for emergency mortgage assistance are very
limited. They will be disbursed by the Agency under the
eligibility criteria established by the Act.
It is extremely important that your application is accurate
and complete in every respect. The Pennsylvania Housing Finance
Agency has sixty (60) days to make a decision after it receives
your application. During that additional time, no foreclosure
proceedings will be pursued against you if you have met the time
requirements set forth above. You will be notified directly by
that Agency of its decision on your application.
The Pennsylvania Housing Finance Agency is located at 2101
North Front Street, Post Office Box 8029, Harrisburg,
Pennsylvania 17105. Telephone No. (717) 780-3800 or 1-800-342-
2397 (toll free number). Persons with impaired hearing can call
1-800-342-2397.
In addition you may receive another notice from this lender
under Act 6 of 1974. That notice is called "Notice of Intention
to ForeClose". You must read both notices, since they both
explain rights that you now have under Pennsylvania law.
However, if you choose to exercise your rights described in this
notice, you cannot be foreclosed upon while you are receiVing
that assistance.
Very truly yours,
FEDERMAN AND PHELAN
BY:~~
Frank Federman
FF/mtm
cc: Norwest Mortgage, Inc.
Attn: Jennifer Grabon
Loan No.: 820339
Sent by Regular Mail, Certificate of Mailing (PS Form 3877)
EXHIBIT A
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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.)
OU Y STILL BE BLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHE
RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE.
1-
be sold
calling
If the Sheriff's Sale
to the highest bidder.
(215) 563-7000.
is not stopped, your property will
You may find out the price bid by
2.
sale if
of your
You may be able to petition the Court to set aside the
the bid price was grossly inadequate compared to the value
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, 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 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 ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY ATORNEY REFERRAL
CUMBERLAND COUNTY BAR ASOCIATION
2 LIBERTY AVENUE
Cumberland county Courthouse
CARLISLE, PA 17013
(717) 249-3166
(800) 990-9108
- ,.
NORWEST MORTGAGE, INC. . CUMBERLAND COUNTY
.
. COURT OF COMMON PLEAS
.
: CIVIL DIVISION
VS.
:
PAUL W. PEFFER, II
MARCIA C. PEFFER . NO. 99-466 CIVIL
.
AMENDED
AFFIDAVIT PURSUANT TO RULE 3129
(Affidavit No.1)
NORWEST MORTGAGE. INC., Plaintiff in the above action, by its
attorney, FRANK FEDERMAN, ESQ., sets forth as of the date the
Praecipe for the Writ of Execution was filed the following
information concerning the real property located at 413 PITT
STREET. ENOLA. PA 17025.
1. Name and address of Owner(s) or reputed Owner(s):
NAME
LAST KNOWN ADDRESS (if address
cannot be reasonably ascertained,
please so indicate)
PAUL W. PEFFER. II
413 PITT STREET
ENOLA. PA 17025
MARCIA C. PEFFER
413 PITT STREET
ENOLA. PA 17025
2. Name and address of Defendant(s) in the judgment:
NAME
LAST KNOWN ADDRESS (if address
cannot be reasonably ascertained,
please so indicate)
SAME AS ABOVE
3. Name and address of every judgment creditor whose judgment is
a record lien on the real property to be sold:
NAME
LAST KNOWN ADDRESS (if address
cannot be reasonably ascertained,
please so indicate)
HENRY COYNE
3901 MARKET STREET
CAMP HILL. PA 17011
LISA MARIE COYNE
3901 MARKET STREET
CAMP HILL. PA 17011
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Norwcst Mortgagc, Inc.
-vs-
Paul W. Pcrter, " and Marcia C. Pcffcr
In thc Court of Common PIcas of
Cumbcrland County, Pcnnsylvania
No. 99-466 Civil
Dawn L. Kcll, Dcputy Shcriff, who being duly sworn according to law, says on July 12,
1999 at 3:00 P.M. EDST, she posted a copy of Real Estate Writ Noticc Postcr and
Description in the abovc entitled action on thc propeliy of Paul W. Pcffer, II and Marcia
C. Peffer locatcd at 413 Pitt Street, Enola, Cumberland County, Pennsylvania, according
to law,
Dawn L. Kcll, Deputy Sheriff, who being duly sworn according to law, says on July 14,
1999 at 5: 19 o'clock P.M. EDST, she served a true copy of Rcal Estate Writ Notice
Poster and Description, in thc above entitled action upon one of the within named
defendants to wit: Paul W. Peffcr, II, by making known unto Deborah Coble, girlfriend at
16 Columbia Road, Enola, Cumberland County, Pennsylvania, its contents and at the
same timc handing to him personally the said true and attested copies of the same.
Dawn L. Kell, Deputy Sheriff, who being duly sworn according to law, says on July 14,
1999 at 5:09 o'clock P.M.EDST, she served a true copy of Real Estate Writ Notice Poster
and Description, in the above entitled action upon one of the within named defendants to
wit: Marcia C. Peffer, by handing to Paul Peffer"IlI, son at 413 Pitt Street, Enola,
Cumberland County, Pennsylvania, its contents and at the same time handing to him
personally the said true and attested copies of the same.
R. Thomas Kline, Sheriff, who being duly sworn according to law, says he served the
above Real Estate Writ Notice Poster and Description in the following manner: The
Sheriff mailed a notice of the pendency of the action to one of the within named
defendants to wit: Paul W. Peffer II, by regular mail to his last known address 16
Columbia Road, Enola, Pennsylvania, This letter was mailed under the date of July IS,
1999 and never returned to the Sheriff's Office.
R. Thomas Kline, Sheirff, who being duly sworn according to law, says he served the
above Real Estate Writ Notice Poster and Description in the following manner: The
SheriffmaiJed a notice of the pendency of the action to one of the within named
defendants to wit: Marcia C. Peffer by regular mail to her last known address 413 Pitt
Street, Enola, Pennsylvania. This letter was mailed under the date of July 15, 1999 and
never returned to the Sheriff's Office.
R. Thomas Kline, Sheriff, who being duly sworn according to law, says that after deu
and legal notice had been given according to law, exposed the within described premisies
at public venue or outcry at Court House, Carlisle, Cumberland County, Pennsylvania on
September 1,1999 at 10:00 o'clock A.M. EDST, and sold the same for the sum of$ 1.00
to Dale Shughart, Jr. for Norwesr Mortgage, Inc. who assigned the bid to The Secretary
of Veterans Affairs, an Officer of the Unitcd States of America. 'It being the highest bid
and best price reccived for the same. The Secretary of Veterans Affairs ofVaro I
Cleveland (MDP 263 PHI), 1'.0, Box 99640, Cleveland, 01-1 being the buyer in this
cxecution paid to SheriffR. Thomas Kline the slim of$ 775.46 it being costs.
~
~
You may need an attorney to assert your rights, The sooner
you contact one, the more chance you will have of stopping the
sale. (See notice on page two on how to obtain an attorney,)
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER
RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE.
1-
be sold
calling
If the Sheriff's Sale
to the highest bidder.
(215) 563-7000.
is not stopped, your property will
You may find out the price bid by
2.
sale if
of your
You may be able to petition the Court to set aside the
the bid price was grossly inadequate compared to the value
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 (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 receiving that money, The money
will be paid out in accordance with this schedule unless exceptions
(~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 TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY ATORNEY REFERRAL
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 Rct No.587. Rooroued Ma1116. 1929
Commonwealth of Pennsylvania, County of Dauphin} ss
Michael Morrow being duly sworn according to law, deposes and says:
That he is the Assistant Controller of THE PATRIOT. NEWS CO., a corporation organized and existing under the laws
of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in
the City of Harrisburg, County of Dauphin, State 01 Pennsylvania, owner and publisher of THE PATRIOT.NEWS and
THE SUNDAY PATRIOT.NEWS newspapers of general circulation, printed and published at 812 to 818 Market Street,
In the City, County and State aforesaid; that THE PATRIOT.NEWS and THE SUNDAY PATRIOT.NEWS were established
March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since;
That the printed notice or publication which is securely attached hereto Is exactiy as printed and published In
their regular daily and/or Sunday and Metro editions/Issues which appeared on the 27th day(s) of July and the 3rd
and 10th day(s) of August 1999. That neither he nor said Company Is interested In the subject matter of said printed
notice or advertising, and that all of the allegations of this statement as to the time, place and character of
publication are true; and .
That he has perscinal knowledge of the facts aforesaid and is duly authorized and empowered to verify this
statement on behalf of The Patriot. News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and
adopted severally by the stockholders and board of directors of the said Company and subsequentiy duly recorded in
the office for the Recording of Deeds in and for said Coun y of Dauphin in Miscellaneous Book "M",
Volume 14, Page 317.
PUBLICATION
COpy
S ALE #31
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In.~Towi1shlpof,East ""~i1S1x1ro;COunly
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tgl::"!1F.!~~~':::~:~e~~~~'~I~~iisherls Receipt for Advertising Cost
~L~s;,lliellCll:~o.,th\,!erdly"l50JeeltO'~poinllher of THE PATRIOT-NEWS and THE SUNDAY PATRIOT-NEWS, newspapers of general
'onJ/1ilnorlherfy IIneofPiU Street axlendSd' ..... '. I' . d 'f' h th h
'lIje(!C8:teict"n(jjngY~Itl',79'd8greeS:ocirecelpt of IIle aforesaid notice and pub Icatlon costs an certlles t al e same ave
mlnutliSWestalong same 50 feettoapoinl THE PATRIOT. NEWS CO.
\at~dMdJnii line betWeen Lots,Nos.' 4 and
S;',lltoc:l(':'~on said Plari;lhence ,extending,
':,N<!rth,) 11/deg~s"OO,:mlnule.s: WeSI' Slong
"same'"l50leeloto a point on:the, sOutherly
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t:f~~~7::.~l~~~;f.?~,~U~~,r~d.as
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;;'"TTTlETOSAID PREMISES iSVESTEO
(IN Pau';W, !'eifer.: U'SndMsrcla',C;, Peffer.
"his wife by lleedfnjfuMiChael W. Ness end ,
; Kethleen ' J" Ness.:,hls'"wIfe doled 5/1619,1,'
fl8CO<ded5/1719,1lnDeed Bok 35.0 Page
841.\t:~).~(;"::";~-;,:~,,,::>;.-,,~_,:,, '. , ,_' ..' " .
. 23rd da~~UgU 999 A.D.
Nolarial Seal
Terry L. Russoll, Notary P. ..lie
Harrisburg,OauphinCounly NARY PUBLIC
My Commission E:.:pires June 6, 20C'2
mission expires June 6, 2002
Member, Pennsylvania Association at larlS'S
CUMBERIJl.ND COUNlY SHERIFFS OFRCE
COURT HOUSE
CARLISLE, PA. 17013
Statement of Advertisina Costs
To THE PATRIOT.NEWS CO., Dr.
For publishing the notice or publication attached
hereto on the above stated dates
Probating same Notary Fee(s)
Total
$
$
$
276.5~
1.50
278.04
By................................o...................................
THE PATRIOT NEWS
THE SUNDAY PATRIOT NEWS
Proof of Publication
Under Ret No. 587. Rooroued Mau 16. 1929
Commonwealth of Pennsylvania, County of Dauphin) ss
"',Mlchael Morrow bei.ng duly sworn accordi.ng to law, deposes and says:
.Thilthe'lstha Assistant Controller of THE PATRIOT.NEWS CO., a corporalion organized and existing under the laws
oltheCommonwealth of Pennsylvania, with its principal office and place of business al 812 10818 Markel Slreel, in
.'tho'Clty'ofHarrlsburg, County of Dauphin, State of Pennsylvania, owner and publisher of THE PATRIOT.NEWS and
':we..~Ut-.jpAYf'ATRIOT.NEWS newspapers of general circulation, printed and published at 812 to 818 Market Street,
'lrlthe Clty,County and State aforesaid; that THE PATRIOT. NEWS and THE SUNDAY PATRIOT.NEWS were established
;.,::,,~a~~:~th;J8!i~,.and September 18th, 1949, respectively, and all have been continuousiy published ever since;
.',.t,'::);i":''I11at,tha printed notice or publication which is securely aUached hereto is exactiy as printed and published in
::'jha!(regulardally and/or Sunday and Metro editions/issues which appeared on the 27th day(s) of July and the 3rd
"('aridl0l/iday(Il)OfAugust 1999. That neither he nor said Company is interested in the subject matter of said printed
:'rcitii:ir'o(lldv~rtlslng, and that all of the allegations of this statement as to the time. place and character of
. .:Pll~lIcatlon 'aratrue;.. and
. :,:L:.'S:CC;';"TtiiitJ'" "9""~ft'."""1 knowledge of the facts aforesaid and is duly authorized and empowered to verify this
""."n all ""atriot.News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and
. '''''''U Ukholders and board of directors of the said Company and subsequently duly recorded in
0" I Deeds in and for said Coun y of Dauphin In Miscelianeous Book "M",
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Nolarial Seal
Terry L. Russctt, Notilry ...lir::
Harrisburg, Dauphin County
My Commission Expircs June 6. ZOC'2
. 23rd d~L9g9 A.D.
NARY PUBLIC
mission expires June 6, 2002
CUMBERLAND COUNTY SHERIFFS OFFiCE
COURTHOUSE
CARLISLE, PAc 17013
Statement of Advertil?ing Costs
To THE PATRIOT-NEWS CO., Dr.
For publishing the notice or publication attached
hereto on the above stated dates $
Probating same Notary Fee(s) $
Total $
276.5~
1.50
278.04
Publisher's Receipt for Advertising Cost
THE PATRIOT.NEWS CO., publisher of THE PATRIOT.NEWS and THE SUNDAY PATRIOT-NEWS. newspapers of general
circulation. hereby acknowledge receipt of the aforesaid notice and publication costs and certifies that the same have
been duly paid. THE PATRIOT.NEWS CO. '
By.............................................................o.......