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Home My WebLink About99-01462 ~ ~ ~ ~ "'\0: \. o &: ~ .lQo ... ~ ..... .., .~ l:l / -~ ~ .~ V ~ JI .~I! FEDERMAN AND PHELAN By: FRANK FEDERMAN, ESQUIRE IDENTIFICATION NO. 12248 TWO PENN CENTER PLAZA, SUITE 900 PHILADELPHIA, PA 19102 (215) 563-7000 FIRST UNION MORTGAGE CORPORATION, SIBIM TO SIGNET MORTGAGE CORPORATION 1100 CORPORATE CENTER DRIVE RALEIGH. NC 27607-5066 ATTOHNI:Y Foil Pl.AINTIFF couln OF COMMON Pl.EAS C I V I L D I V I S ION Plaintiff '11:.Hr1 NO. IN. /'1&) t.k.J v. CUMBERLAND COUNTY CHARLES L. BENDER CHRISTEE L. BENDER 141 EMERSON DRIVE CARLISLE, PA 17013 Defendant(s) CIVIL ACTION - LAW MORTGAGE FORECLOSURE NOTICE 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 with the court your defenses or objections to the claims set forth against you, You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER ru CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELv~ TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 (717) 249-3166 1. Plaintiff is FIRST UNION MORTGAGE CORPORATION, S/B/M TO SIGNET MORTCAGE COIlI'ORATION 1100 CORPORATE CENTER DRIVE RALEIGH, NC 27607-5066 2. The name(s) and last known addrcss(cs) 01 the UelenJant(s) are CHARLES L. BENDER CHRISTEE L, BENDER 141 EMERSON DRIVE CARLISLE, PA 17013 who is/are the mortgagor(s) and real owner($) ot the property hereinafter described. 3. On 8/17/95 mortgagor(s) made, executed and delivered a mortgage upon the premises hereinafter described to MELLON BANK, N.A. which mortgage is recorded in the Office of the Recorder of CUMBERLAND County, in Mortgage Book No. 12 "/7, Page 973, By Assignment of Mortgage dated 8/17/95 the mortgage was assigned to MELLON MORTGACE COMPANY which Assignment is recorded in Assignment of Mortgage Book No, 502, Page 442. By Assignment of Mortgage recorded 8/19/96 the mortgage was assigned to PLAINTIFF which Assignment is recorded in Assignment of Mortgage Book No, 528, Page 11, 4, The premises subject to said mortgage is described ~s attached, 5. The mortgage is in default because monthly payments of principal and interest upon said mortgage due 11/1/98 and each month thereafter are due and unpaid, and by the terms of said mortgage, upon failure of mortgagor to make such payments after a date specified by written notice sent to Mortgagor, the entire principal balance and all interest due thereon are collectible forthwith, A copy 01 such notice is attached as Exhibit "A," 6. Tho following amounts are due on the mortq~qu: Principal Balance Interest 10/1/98 through 3{1{99 (Per Diem $18,75) Attorney's Fees Cumulative Late Charges 8/17/95 to 3/1/99 Cost of Suit and Title Search $91,r,22."l8 2,8('8."I~ 4,~"I('.OO 97,89 550.00 SUbtotal 99,615,42 Escrow Credit Deficit 289,12 QcOO Subtotal TOTAL (28_9.,_1;1) + $99.326.30 7. The attorney's fees set forth above are in conformity with the Mortgage documents and Pennsylvania Law, and will be collected in the event of a third party purchaser at Sheriff's Sale. If the Mortgage is reinstated prior to the Sale, reasonable attorney's fees will be charged, 8. This action does not come under Act 6 of 1974 because the original mortgage amount exceeds $50,000,00, 9. The mortgaged premises is vacant and abandoned. 10. Pursuant to tho Fair U~bt Collu~tlon Prd~ti~u~ A~t, I~ U,S.c. S 1692 ot seq. (1977), Dofend.lnt(S) mOlY dispute tho validity or the debt or "ny portion tlwl"l'ol, II Dofondant(s) do 110 in ....ritinq ....itllln thirty (IU) <.I'IYS or receipt or thill plOdding, Coun~nl lor Pl"intit! will obtain and provIde Uotond"nt(D) ....ith ....ritten verification thoreot: other....ise. the debt ....ill be allumed to bo valid, Liko....ioo, if requested ....itllin thirty (3D) days or recoipt at this pleading, Counsel for Plaintiff ....ill send Defendant(s) the name and address of the original creditor if different from above. WHEREFORE. PLAINTIFF demands an in ~ Judgment against the Defendant(s) in the sum of $99.326.30, together ....ith interest from 3/1/99 at the rate of $18,75 per diem to the date of JUdgment, and other costs and charges collectible under the mortgage and for the foreclosure and sale 01 the mortgaged property. rllLf1J~~L 1~,--- Isl Frank FedermalL.__ H FRANK FEDERMAN, ESQUIRE Attorney for Plainti!f dS1. ,lljN ION firll UNon....,.... eoopotlllon ,." Ofl\c. ...100001 RIiolgII._C_21r1f~l 1100 e""OfIt. C....., DIl.. IIl11tgll, HIIItI C....... 21107_ CHRISTEE L BENDER 141 EMERSON DR CARLISLE, PA 17013 December 31,1998 RE: FUMC Loan Number 9544236 NOTICE OF INTENTION TO FORECLOSE First Union Mortgage Corporation is the holder of the mortgage on your property located at 141 EMERSON DR, which mortgage is in SERIOUS DEFAULT because you have not made the current monthly payment of 891.50 for 11/01/1998 through 1210111998. Late charges (and other charges) have also occurred in the amount of 65,26, The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter is 1848.26, You may dispute the validity of the debt or any portion thereof, If you do so in writing within thirty (30) days of receipt of this letter. we will obtain and provide you with written veritication thereof; otherwise, the debt will be assumed to be valid, Likewise. if requested within thirty (30) days of receipt of this letter, we will send you the name and address oflhe original creditor if different from above, You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of 1848.26, plus any additional monthly payments and late charges which may fall due during this period, Such payment must be made in the fonn of certified check, cashier's check or money order, and made at First Union Mortgage Corporation, A TfN: Cash Processing, P,O, Box 900001, Raleigh, NC 27675-9000, (fyou do not cure this default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the mortgage payments, This means whalever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly payments, If the full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to start a lawsuit to foreclose on your mortgaged property, If the mortgage is foreclosed, your mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If you cure the default before we begin legal proceedings against you, you will still have to pay the reasonable attorney's fees actually incurred up to S50.00, However. if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over S50,OO. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs, If you cure this default within the THIRTY (30) DA Y period, you will not be required to pay the attorney's fees. YOU HAVE THE RIGHT TO REINSTATE AFTER ACCELERATION AND THE RIGHT TO ASSERT IN EXHIBIT A dS1 , IljN ION FIf1l Union Mortglg. Corporotlon POIIOllle.801_' RIIIlgh, NOI1Il CItIAnl 21f15<<101 ',00 Corporll. C.llltr Drtn RII.lgh, Noeth CoroAnl 211107_ CHARLES L 8ENDER 141 EMERSON DR CARLISLE, PA 17013 Dt<:ember 31,1998 RE: FUMC Loan Number 9544236 NOTICE OF INTENTION TO FORECLOSE First Union Mortgage Corporation is the holder of the mortgage on your property located at 141 EMERSON DR, which mortgage is in SERIOUS DEFAULT because you have not made the current monthly payment of 891.50 for 11/01/1998 through 12/01/1998, Late charges (and other charges) have also occurred in the amount of 65.26, The total amount now required to cure this default, or in other words, get caught up in your payments, as oflhe date oflhis lener is 1848,26, You may dispute the validity of the debt or any portion thereof. If you do so in writing within thirty (30) days of receipt oflhis lener, we will obtain and provide you with wrinen verification thereof; otherwise, the debt will be assumed to be valid, Likewise, if requested wilhin thirty (30) days of receipt of this lener, we will selld you the name and address of the original creditor if different from above, You may cure this default wilhin THIRTY (30) DAYS oflhe date oflhis lener, by paying 10 us the above amounl of 1848.26, plus any addilional monthly payments and late charges which may fall due during this period, Such payment must be made in the fonn of certified check, cashier's check or money order, and made at First Union Mortgage Corporation. A1TN: Cash Processing, P.O. Box 900001, Raleigh, NC 27675-9000, If you do not cure this default within THIRTY (30) DA YS, we intend to exercise our right to accelerate the mortgage payments, This means whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly payments, If the full paymenl of the amount of default is not made within THIRTY (30) DAYS. we also intend to start a lawsuit to foreclose on your mortgaged property, If the mortgage is foreclosed. your mortgaged property will be sold by Ihe Sheriff to pay off the mortgage debt. If you cure Ihe default before we begin legal proceedings against you, you will still have to pay the reasonable anomey's fees actually incurred up 10 $50,00, However, if legal proceedings are started against you, you will have to pay the reasonable anomey's fees even if Ihey are over $50.00, Any anorney's fees will be added to whatever you owe us, which may also inciude our reasonable COSls, If you cure this default within the THIRTY (30) DAY period, you will not be required 10 pay the anorney's fees. YOU HAVE THE RIGHT TO REINSTATE AFTER ACCELERATION AND THE RIGHT TO ASSERT IN EXHIBIT A . N.coJ:)' ~ I\ZTl1Nl to, \~.9 D1w,~, .' MELLON M>>.TGAGI CONrAn t. O,'IOl( 4I!l83 HOOSTOK. TIXAS 77210 :f . . O"1qJ~5"~ "cc~rii ~, ZI:CLER n;:COROCR O. OEE05 r,U~8EilLANO COUNTY'?A '95 AUU 21 AM 10 53 I..... ~ ftl. 1.1.. r.'........... Dalal MORTGAGE OS08587014 , The mortpp II 'nIIS MOIlTGAGE ("lIecwIt)' inatnlmonti 10 linn on CHARLlS L BENDER AND CHRISTIE L BINDER AUGUST 17 , 1995 ("IlorTOw..i. Thlo 80curlty inIIrumlnt 10 IiVln to MELLON 1lAIl1t. N. A. wblch 10 orpnI..d and ollloll", uncler th.lawe of TIlE UNITED STATES or AMERICA &400 rLANlt DRIVE. SUI'1'l 300. IWIIUSBtJIIG. PZllIlSYLVAlllA 17112 (iAuderi, Bunowor ow.o La~cIor 11:. principal oum 01' KINZ'l'Y FOUR THOUSAND rIVE HONORED AND 00/100------------------------------------------- Doll.... (U.s,. 94.500.00 ).1bl. cIobt I. oYidoncod by Borrower. nolo c1alod th.lIIII. dolo u lhi. SocIIrlty Inltrument ("Noloi, whlch proYidu for monthly paymonto, with tho full dobl, If not paid ouUer, due and payable on SZP'l'IMIlER 01. 2025Thl.8ocurity Inltr\lll1lnlllC\lre. 10 Lander: (I) tho npaymont of tho debt .Yidencod by the Nolo, with Inlonol, and III ronowalo, oxt.onlionl and mocIIlIcalion. of the Nolo: (b) th. paymont 01' all oth.r aum.. with Inloml, advanced under JllU'8iI'Iph 710 proloct th. IIIC1Irlty oflhil 80curIty !notrument; and (c) tho performan.. oI'Borro...... ...._to and qroemonlo under lhi. Security In.trument and th. Nolo, For lhi. purpooo, Borrower doel h.roby mortpp, srant and conft)llo Lander the followill/l deocribed property located in ClIKBEIlLAllD County, Pelll\lYlvanla: SEE ATTACHED LEGAL DESCRIPTION , ,and wh_ addnu 10 which hu thoaddreoa 01' 141 EMERSON DR I"""'l 17013 IQ>....) ("Property Addnoa"); CARLISLE . PeMsylvanla !2ll TOGETHER WITH all tho Improv.menta now or h.reafter .roclod an tho property, and all_m.nlo, appurlonancol, and Ilxlurol now or h.reafter a part of the property, All ropl....m.nlo and additionl .holl 0110 be cov.rod by lhi. Security Inotrum.nt. All oI'th. forogolll/ll. rof'lTOd,to In lhi. SocIIrity In.trum.nl u tho "Property." BORROWER COVENANTS that llorTO~er II lawfullY ..ioed of tho estalo hereby mnveyed and hu the right to mortpp, Il"U't and convey tho Property and that the Property I. un.ncumberod, ....pt for .ncumbrance. of remrd. Borrow.r worranlo and will defendgon.rally thelitle to the Property agalnlll 011 claim. and demanclo, IUbject to any .ncumbrance. oI'record. Bood27i PACE 373 {!c6 ~ Forco 3031 8110 PENNSYLVANIA. Slngl. F.mllv . F.nnle MloJFroddl. MIC UNIFORIIINSTRUMENT PATO.QCW1 P...lot. '. . . . nm SECURITY INSTRUMENT camblno. unlC""" covon.,,1o Cor na~.nol u.. ."d n.n'IIn1C.nn ca..n.,,1o with IImllocl .11I.11..0 by JUJ1ld1t11on 10 _Iu'" . IINC.nn lIOC\IJ1l)1 illllnlmonl....rin....oI proparty. I1NIFORM COVEHANTS. Bono...r and Lendor covonanl."d .....0 u CoIl._ L ...,....1 0' PriaclpaJ ..d lay...., Proapa,.....t ..d Wy c:Juuor- Borrowor 010011 promptly pay wb.n d... tho principal ot."d In......" on tho dobl.vldonad by tho H.Io."d ",y prepaym.nl."d 1.10 charpo duo undn tho HoIo. L hade torTuaa...d In...N.... Bubjocllo .ppllcabl. taw or 10 . wrillan waI.or by Lendor, BotTow.r .hall pay 10 Lender on tho doy monthly paymonlo ..... due undor tho H.Io, un~1 tho H.1o I. paid In full, . 11Im (1'undo") (or: (.) yaarly I..... and ...._onlo whleh m.y .ttaln pri.ril)l ..., thlo 80curity In.llIImOnl u a lion on tho Proparty; (b) yoarly I....hold paym.nlo or IlfOUnd ...nla .n tho Proparty, IC."y; (c) yearly huard .r property 1.......- premlum.; CeI) y.arIy nood In'llI'IUlea pmnJum, I( any; (.) y'lII'ly mortpp lROU""," premlum., j( ",y; .nd Ct) ",y .umo payobl. by Ilomlw.r 10 Lendor, In ............. willt tho provlli.n. .C parqraph 8, In lI.u .( tho paym.nl.C lIlOripp IROu...- premlum.. Th... llorno .... cal10d "EIcrow llam.: Lender may, .I."y tlm., callect and bold Pundo In ." amounl n.llo .....d tho lIlu1mum amounl.l.ndor for . (odonJly ...1.1ocI mortpp loan m.y roqul... Cor Bonow.... .ICI'OW .....unl undor tho (.doral Reol Eltata 8olllom.nl ~U1'I.Mo(I874 ...mondld!'rom tlm.1o ~m.,12 US.C.! 2601'''.q. rREBPAi, unI....".thorlawIbaI.ppU..10 tho l'wIdo MIo . l._r am.unL Ir 10, Lonclar m.y, .1 .ny ~m., collect ."d h.ld Pundo in an amounl D.I lo ..co.d tho I_r .lIlOunL Londor may ..tlmata tho amounl oC Fundo duo on tho buI. 0( Clur.nl dota ."d ......nobI. ..lima.... or ..pondltuno. olMu... Eocrow Ic..m. or.th.rwi..ln lICICIlrdan.. wilh applicabJ. I.... Tho Fundo ohall bo h.ld in .n Inotltutlon whooo dopooit.l .... InlUNd by . C.doral "pncy, In.trum.nta1ity, or .ntlty (lndllelln, Lendor, IC Londor I. ouch .n In.tltutlon) or In ",y F.doral Hom. Loan Bank. Londor oIoaIlapply tho Fundo 10 pay tho ElCI'Ow 110m.. Londor m.y n.' charp BOrT'llwor Cor holding ."d .pplyin. tho Fundo, annually analyzing tho ncn>w ....unt..r veril'1ln. tho Eocro.. ltam., unl... Lonclor pay. DorTO...r int.l....1 on tho Pundo and .ppUcabl. I.w parmlt.l Londor lo malco I1Ich . ch...., H.w...r, Londor m.y roqul... Bonow.r 10 pay . on..tlm. chari. Cor an Indopandonl ...01 ..tata tax ...portIng ..mea UMd by Lendor In conn.cII.n with W. loan, unl... .pplicabl. I.w pRlvldo. oth.rwi.., UnI... ." opom.nl i. mado or .ppUcablo I... roqul.... int.lroot \0 bo plIlcl, Londor oh.1I nol bo roqul...d to pay 80rTO..or."y Inta....1 or .omlngs on tho Pundo. Bono..., and Londor may ogreo in writing, howo..r, that Inlo....t .boll bo paid .n tho Puna Londor .hall giy. to Bomlwer, without Chlll1lo, an annu.1 accounting of tho Fundo, &howing ...dit.l and doblt.llo tho Pund. ."d tho pUrpoll for ..hich e..h dobillo the Pundo WIll made, The r ndo'.. pl.dgod as adclitlonoloocurity (or a11.um.lItC\lrod by W. Security lnotrumenL I(tho Fundo hold by Londer ",...d the ~ounlo parmlllad to bo h.ld by .ppllcablel..., Lendor ohall....unt to DorTOwer Cor tho ...... Pundo in accordan.. with the requlrement.l of applic:ahl.law, I( the amount of the Fundo h.ld by Londer at any time I. nol ouftlci.nllo pay the Eocrow Item. whon due, Londor may 10 notify Borrowor in writing, and, In .ueh ...... Borrowor .h.lI pay 10 Londor tho amount ne..eoa:y to make up the doficiency. DorTOwer .holl make up tho defici.ncy in no more than twelve monthly poymonto, at Londor'. 1010 dillCT'lltion, Upon peymont in full of .nlUm. oocuntd by Ws Security Inotrument. Londor .hall promp~y ret'und to Bono..or any Pundo hold by Londer, If, undor paT1llll'Dph 21, Londor .holl acquire or..n tho Property, Londor, prior to tho acqullitlon or ooIe o(tho Proparty, .h.n .pply any Fundo held by Londor .t the tims of acquloitlon or 0010 as a cradit ogainot tho IUm. ..cured by thi. 8ocuril)llnltnlmonL 8.AppUoalloaofP.ymeata. Unl... .pplicabl. I.w provide. othsrwi.., oil paymenlo receiyed by Londer undor paragrapho 1 and 2 .boll bo .ppli.d: first. to any prepaym.nt chorge. due undor tho Note; IltCDnd, 10 amount.l payobl. undor pIll'8SI'aph 2; third, 10 lnlo..et due; COllrth, to principal due; and last, to any I.te citazge. due under tho Nolo, .. Chorreo; LieDe, Bonower &hall p.y alii..... IlMIlIlIlD.nt.l, chorgee. fine. .nd impooition. .ttributabl. to tho Property which may attein priority ov.r thi. Security Insllllm.nt, and I....hold payrn.nlo or ground rento, if any, BOrTOwer &holl pay the.. obliptlon. in the manner provid.d In paragraph 2, or i( not paid In th.1 mann.r, BOrTOW., sholl pay them on tims diroc:tly to ths po....n owed paym.nt, BotTo..er .hall promptly furnish to Londor 011 nob... of amounto to bo paid under thl. JlIU'OiI'1lph. I( BorTOwer makee the.. paymenlo diroc:tly, BOrTOwer .hall promp~y t'urnish to Londor .....lpt.l evid.ncing the paymsnts, Bonow.r .h.n pnlDlptly di""horge any Ii.n which has priority over thi. Security Instrument unIe.. BotTowsr: C.) agreo. in writing to the peyment o(the obliption lIllCUrod by th.llen in n manner ....ptablo to Londor; (b) contesta in good faith th.llen by, or doCondo egainol enfon:ement oC tho lien In, lep] procoodingu which in the Londor'. opinion oparate to prevent tho .nf.....m.nt ofthali.n; or Cc) ..curoe (rom tho holder oflhelien an agre.ment ..tist'octory to Londor oubordinating the Uen to Wo Securil)llnltnlm.nt. I( Londer determine. that eny part oC tho Property ie oubject to . lien which m.y attain priority Oy.r Wa 80curity In.lrum.nt. Londer may giY. Borrower a noti... ldontifying the lien, BOrTOwer .hall satlofY th. Uen or take on. or mo",ofllto actlone oot Corth aboye wilhin 10 days of the giYin, of notice, 5. Hazard.r Property Ia.urance. Borrow.r .hall keep Ihe Improy.ments now enoting or hereafter eroded .n the Property inoured ogainll\l..s by 6ro, hazards ineludod within the term "extendod COy.rage" and any oth.r h.zardo, including floods or flooding, fOT which Lender requins insurance. This inBuranee shRll be maintained in the amounts and for the perioc!ll that Lendor requJroa. The insumnce carri.r providing th. inBUran.. .hall bo chosen by BOrTOwer subject to Londor'. appnlyal which .hall nol be unroasonobly withheld. If Borrow.r Cails to maintain coverage deocribod oboYe, Lender may, at Londer'. option, ohtain COy.reg. to protecl Londer's rights in the Property in accordance with paragraph 7, 8ooK127i PAGE Si4- PJ'12.o&tIl e~t1 Ct.7;' - Pa.elofl ,1,i' " . A1llnlUranct pollci.. .nd ...nawal. .h.1I bo ....ptabla lo Landor Ind thalllnc1udo . ltancl.ard moncaal c1._. Landor ohaIl ha.. ilia 'rillhllo hold th. polld.. .nd ...nawal.. Ir Lander roqulr",lIon'Ow.r ohaIl promptlYlln lo Landor all .-tpla or paJd promIum. and ..n.wal notI.... In ilia annl or 1_, IIorTowar .ha1IIl" prom", notiea lo ilia 1110II_ canlor and Landor, Landor ml1 mlb proof.r 1_lr n.1 rrwIa pnnnpUy by IIorTowar. Unl_ Landor and IIom>war .th.rwl.. _ In Writllll,lnoul'lll" p"""" .haIl bo applied lo Nlt.oratlon or I'lpaJr.r lha Flv...rty damqod, Irtha ....to..tlon or ...palr I. ,conomlcaJly r.ulbl. and Lando"'IICIlriI1" not I._nee!. Ittha ....lontlon or npa1r I. n.1 """...Ically raulbla or Lando". teC1Irity would bo I_nod. ilia ''''''ranc& ~ .hall be applied lo Ill. IUm. Mcu1'lld bylhl. Stcuril1lnalNman~ wh.th.r or n.t than dua, willi .nyu.... paid lo Bom>wor. It IIorTowor abandonl thl Proporty, or doto nol an.war within 30 day. . notiea from Lander thaI ilia In.u..n.. canior h.. .If.red to 11m. a rlalm, th.n Lander m.y rollm Ill. I.......n.. prooo.da, Landor may UM tho pnl<Hdo 1.0 repalr or r..IDro tho Proparty or to JlIIYIWllll teC1I...d by lhl.lloruril1lnotruman~ wh.thor.r nol th.n due. Th4 30,day poriod will bolln wh.n tha n.tI..I'linn. Unl_ Landor ond Borrowar Dthorwtll ......In writilll, any.ppllcation or...--de lo principal thall nDlllland.r pcatpona lha duo dala or tho monthly pI)'1ft.nll ror.tnd lo In parqraph. 1 and 2 or chan.. tha ""'OIInl .r lha pI11IlOnla. It undar parqraph 21 tho Pl'opony I. acqull'ld by Lander, 1Ion'O...... rillhl lo anylnlUranea pollci.. and ...--da 1'II1U1llIII from, damap to tho Pnlporly prior to tho a<quloitlon thall pall to Lander lo tha .Xlenl or tha IUm. oacurad by thI. SocuriI1 inltrumonllmmtdl.taly prior 1.0 the a.cqulolll.n, .. o...apuOJ, 1'1_. ..aUon. MaiD_n.a aad ProYctJoD or lba Propanr. 8o...._r'a Loaa AppUoaUoDI Leaoehold.. BllI'l\lwor thall OCCIIpy, ..tabllth, and UII tha Proporty .. B.m>w.... prindpal...oIden.. wilhln oIxl1 da)'ll after the .ucutlon orthi. Security Inotrum.nt and thall ..nllnullo crcupy Ih. Proporty II Bom>w.r'. principal roolden.. ror at I.ut on. )'11M after tho dall or OCCIIpanc)', unl... Lender .1lI.TWiIl ...... In writllll, which ronllnl .hall not bo unrellOnably withhald, or unl... .lllanuating circum.tan... .xi.1 which an boyond Borro....r'. control. 80rr0w.r .hall not deotroy, damap or Impair tha Property, allow tho Properly 10 deteri.rate, or conunil _ .n tha Properly, Borrow.r .hall bo In clar.ultlr any rcrfoilunl oct1.n or prllOIIding, wh.th.r civil or criminol, i. bogun th.lln Landar'. good ralth judim.nt could reoull in rorr.ilura or tho Prvporly or .th.rwi.. materially Impair tho li.n crealod by lhl. Security Inotnun.nl .r Landar'. teC1Iril1lnteraol, Borrowor m.y ru... IUrh a daf.ull and relnatate, II provldad in paragraph 18, by ..uolng tho lI<lIon or prcrelding 10 be dioml..d with I ruling lha~ in Lender'. good rlith determln.ti.n, prerlude. r.rr.llure or the Borrower'. Intere'l In the Property or other m.terial impairm.nt orthell.n a..ted by W. Security In.trum.nl or Lender'. oocurity intereot.lIorTowor lhall 0110 bo In dtraulllf Borrowor, during the 1_ .ppllcall.n proto... gay' materially !'al.. Dr inac:o:u..lo infonnall.n .r .latem.nle 10 Landtr (or rail.d to provide Lendo, with any mallriol inronn.llonl in ..nn.rtl.n wilh tho loan .vld.noocl byth. N.te, Inrluding. bul nOllimited to, reprellntall.n. c:on..rnIng Bom>w.r'a orcupanry orth. Proporty... a principal reoidence, If thI. Security Inllrum.nt I. on a I....h.ld, Bom>w.r .hall aim ply with a1lth. provloi.n. orth.I...., If Borrower .1XIu1re. r.. tltI.to tho Property, tho I....hold ond tho f.o till. .holl nol m.rg. Unl'lI Lanclar .......lo th. m.rger In writing, 7. Proledl.n .rLondo'-a Rlrhl. in Ih. Property, ItBorrowor rail. to porronn tho alv.nante and ogream.nte alntain.d in W. Security Inllrum.nl, or th.re I. . 1.ga1 proceeding th.t m.y oigni6c:anUy affect Lender'. righte in tho Property (.uch ..." procoedlng In banJuuptcy, probalo, ror alndernnation or f.rr.ilure .r lo enf..... law. or regul.ti.n.), th.n Lender m.y do and JlIIY f.r whallv", I. n...1OIUy to prolecl tho valu. ct' tho Properly and Lender'. righto in Iho Proporly. Lend.r'. oct10DO may Inrlude paying any IDItIUI .....red by a Ii.n which h... priority .ver W. Security In.trumenl, .ppearing in alurt, paying reaoonabl. allom.yo' r... and .ntering on the Pnlporty to malt. repaln. Although Lender may take a<tion under thla paregraph 7, Lendor does not havo to do 10. Any am.unto di,burood by Lander under thI. paragraph 7 .h.1I bo..ma .dditlonal d.bl.r80rrowar ooc:ured by thI. Security Inotrum.nt. Unl... Borrow.r and Lendor agree to other lonno .r paym.nt, th... nmounto .h.U bear Inlore'l from tho dalo of dishuroam.nl.1 the Note Talo and .hall bo payabl., wilh intero.~ upon no!:!... from Lend.r to Borrow.r requ.elIng paym.nt. e. Monpl.In'lU'lInce. It Lender required m.rtgage Insuranro ... . condillon .r malting Ih. loan so..red by WI Security lnoln1m.n~ Bom>w.r .hall pay the premiums required to mlintain the mortgage in.uran..ln .ll'acl. Ir. for any reaeon. the m.rtgage In,uran.. alv.rage required by Lender I.pee. or ...... to bo in .ll'ect, Borrower .hall pay th. premium. required 10 .btain roverago .ubetanllally .quivalenl to tho m.rtpga inauran.. prevlou.lyln effect, .t a roet subolantially.quivalanllo tho rool to Borrower.r tho mortpgu In.uran... previou.lyln ell'e<~ from an altemalo m.rtgage lnouror .pprovad by Lender. If IUbotantlally equival.nlmortgage inouranro alv.rage i. nol availabl., BorTOwor shall pay to Lender ...h m.nth a IUm "'Iuallo one.twolflh ofth. yearly mortpga ineuran.. premium bolng paid by IIon'Ower whon tho ineuran.. cov.rago I.psed or cooood to be in offB<l, Lendtr will .....p~ uso and retain th... pa)'1ft.nlo .. a 1000 re..",. In lI.u .f mcrtpg. lnouranro. Lo.. reee",. pa)'1ft.nte may nolongor bo required, at tho option .rLender, if m.rl8BP inlUl'IlftC8 alv,rap (in tho am.unland r.r tho period that Lender requi....) provided by an insurer approv.d by Lendor agoin boromo. avalJabla .nd i. obtain.d, Bom>wor ohall pay the premium. required to maintain mortgage insurance in offect, or to provide a 1088 reMrve, until the requirement for m.rtgage inlUran'" .nda In """"rdonro wilh any WTlllon agre.menl between Bom>wor and Lender or applirablel.w. g,laopecti.n. Lendor or 110 agent m.y mako reuonabl. ontri.s upon and In'poetlon. or the Property, Lendsr shall give Borrowar n.tire ot tho time of or prior 10 an Inspecti.n specifying roooonabl. rouso ror Ih. inopertion. BOOK 1277 PAGE 3i5 t3e-tf . Prl'3.0&I1 P... S 0" CI;' 6' . . 10. COnd......t1on, Th. ...-.do or any ...ard .... daim Cor dam..... dl..et or conooquonllal, In oonn.ctjon with any oondom"allon or oll1or laIdlll of .ny put of tho Property, or Cor oon..yaneo In 1I0u of oondomnadon, .... h...by UII",od and ohall be paid to Londor. In the ...nl of a tol&ll&kln. of tho Property, tho proc:o.do ohllll bo appliod to tho .um. MCIIl'od by W. Socurity Inotnlmont, wh.th.r or no! th.n due, with any...... paid to Borro...r. In the o..nl or. porlIlII t.lldlll of the Property In ..blch the l'oIr lIW'ut valu. or tho Proporty immodl.t.lly boCo.. tho laIdn.I'l<luol to or ,...t.lr than the amounl oC the ...m. MCUM by W. Socurity Inllnlmonllmmodl.t.lly boC.... the t.lldn., unl... Bonow.. and Londor oth.rwi.. ..... In wrllllll, tho ...m. lOCUM by W. Bocurity In.trum.nt 011.11 bo ..du..d by the amount oC tho _do mulllpUod by the Collowln.l'rootlon: (.) the tol&l lIIlOunt or tho IUm. lOCU..d Immodl.t.lly beCo.. tho t.lldn., divld.d by (b) the Cair markol value of the Property Immodi'lOly boC_ tho t.lldn.. Any b.JA'Il'" eholl be pald to Bono...., In the ...nl oC . partiol tald.. oC the Property in ..hich the Clllr IDIlllot valu. of the Property lmm.dl.t.lly boC... the laid.. i.I... than tho amountoCII1ellllftlllOC\l..d lmmedi.tely beC... the 1II1d.., unlo.. Bono.... and Lond.. oth.rwi.. ..... In wrill.. or unle.. .ppUcoblo r... olhorwi.. provlcloo, tho _d. .hllll be .ppHod to the .urn. MCUM by W. Security Inltnlm.nl..h.th.. or nol the 11Im. ore then du.. II the Property I. obendon.d by Borrower. or Ir, oft.r nollee by Lond.r to 8oITOwor thol the oond.mnor oWe.. to mW 1&1I award or ..Ill. a clolm Cor damap., Borrower Cailo to ..opond to Lond.. within 30 d.y. oft.r the clat.l the notice 10 ct..n,' Londor i. Authorized to oolleet and apply the _do, 01110 option, eith.r to ...tmallon or ..polr of the Property or to the .wn. MCUJ'Id by W. Socurity Inotrum.nt, wh.th.r or not th.n du., Unl... Londer and Borrow.r oth.rwi.. agroe in wrili.., any .ppllealion oC_do to principe! ohaIl not emnd or pootpon. ' tho duo clat.l ofth. monthly paym.nt.l..C.rrod to in po.ragraph.l and 2 orchani' the omount oC ouch paym.nt.l, 11. Bo....._r Not Belaued; Forbearanoe By Lender Not a Wai.er, Eltenlion oC the tlm. Cor paym.nt or moclifteallon of lIIftOl'tIzatlon oC the 11Im. ..cu..d by W. Security Inotrum.nt granted by Londer to any .uceo..r in Inte...t of Borrower ohall nol operate to ..I.... the liability oC the oriiPnaI Bonow.. or Bono...r'. .ucxe..... In Inter..t, Lond.r .hllll nol be requI..d to oomm.nee proceedlnp ognlnal any .ucce...r In Inte".1 or ..Cuae to ..tend tlma for paym.nl or oth.rwi.. modify amortization oC the 11Im. .......d by thI. Socurity Inllnlment by "88On oC any demand mad. by the orillinal Bonow.r or 8oITOwor'. .uceo..... In Inte..at. Any forbeatance by Lend.r In e..reiling any riiht or ..m.dy .ludl nol be a wal.ar of or procludo the ..erei.. ofany riiht or ..medy, IS. 8_lOn and Aooip. Bound; Jomt and !leveral Liability; eo-.lpen. Th. ooVlnante I&IId agreem.nte oC W. Security Inotrum.nt ehaU bind and bene51 the owxe..... and UIIf1l11 oC Lenclor and Borro...r. subject to the provlliOl1ll of perugraph 17, Borrower'. oovenante and agro.m.nte .holl bo joinl and ....raI. Any Borrow.. who co-lign. W. Socurity Inotrum.nt but d... not ...cute the Note: (a) io c:o-lignlni thio Security Inllnlment only to mortgage. grant and con..y thol 8oITOwer'. Interoet in tho Property undor the terms oC W. Security Inaln1ment; (b) i. nol peraonally oblipted to pay the .um. ..c:ured by W. Security Inllnlment; and (c) agreeo that Lender and any oll1er Bonower may agree to emnd, modifY. Corbear or make any accommodation. with ..prd to Ihe terme oCWe Security Ineln1ment or the Note w1thoul that Borrow.r'e consont. 1lI. Loan Chore... IC the loan .....red by thia Security In.!rument i. 8UbJect to a law wblch ..18 maximum Joan ch8/i1l', and thaI law 1. 5na11y Interpreted eo that the Intereet or other loan chlllll"' collected or to be collected In oonnoctlon with tho loan .....d the pennltted limite, II1en: (a) any .uch loan charge shall be roduced by the amount neceaaary to ..duce the charge to the permitted Iimil; and (h) any .um. a1..ady collected from Borrower which elceeded pennltted limite will be ..funclod to Borrow.r. Lender may ch.... to make W. refund by ..dudng the prindpal owed under II1e Note or by making a direct paym.nl to Borrower,IC. refund ..ducea principal. the ..duction will be treated.. . partiol prepaym.nt without any pnlpayment ch8/i1l unclor the Note, 14. Nolloee. Any notice to Borrower provided Cor in W. Security In.trument .hall be gi.en by cIoli.ering II or by mailini it by 5nt cI... mail unle.. applicable law require. uee oC another method, The notice ohall bo directed to the Property Addre.. or any olh.r addro.. Borrower deeillDate. by notice to Lender. Any nolice to Lender .holl be lIi.en 'py 8nt class mall to Lend.r'e acldro.. .lIIted herein or any other acldro.. Lender design.te. by notice to Borrower, Any notice proviclod Cor in thia Security Inotrum.nl.hall be deem.d to have been given to Borrower or Lender when given.. pnlYided in We psragraph, Ill. Govel'llinjr Lew; Severability. ThIe Security Inoln1menl .hall bo governed by Cederal law and the law oC the juriodiction In wblch the Property ie located. In the e.ent II1at any provieion or clause oCWe Security Instrument or the Note oonRiels with applicabl. law, auch oonfllet .hall not aft'oct other provision. oC this Security Inetrwnent or the Note which can be iPven eWeet without the oonRictini provieion, To thi. .nd the provieion. oCthi. Security Inatrument and the Note are declared to be ....rable, 18. Do........r'. Copy, BolTOwer .hall be gi.en on. conCormed copy oCII1e Note and oClhie Security Instrumenl, 17, Tron.fer of the Property or II BenellolallDte....at m Borro..er. IC all or any part oC the Property or any intoreet In il i. ooJd or lranoCerrod (or iC a bonefidal inte..et in Borrower I. oold or tranaCerred and Borrower is not a natural peteon) without Lender's prior written consent, Lender may, at ite option, requl.. immediate paymenl in 1\111 oColl BUmS eecured by this Security Instrum.nt. How..er, Ihi. option .hall not be ..ereised by Lenclor iC exerdse is prohibitod by Cederallaw.. oCII1. cIote oClhi. Security Inatrument. &OaK 1277 PAGE :376 PP7t.oa..l Pap4o'S ~(-~ (Z"8 ~ . . rc Londer n.rd... thl. opUon. Londer olulllli.. 80rr0wer noUce or....l.raUon. Th. noUce ohall provide a period or noli... than 30 da)'l from th. cia.. th. nollce I. deli..",d or maJl.d within which Borrower ..Ull pey allIUm. Il<UJ'ed by W. 8ocuri1y InoInam.nt. If Borrower rall. to pay th... oum. prior to tho .xpirallon or W. period, Londor may InYOke any ",m.di" pormlltAld by thI. 80cunty lnotrum.nt wlthoull'urthor noti.. or demand on Borrower, 1& Borro_... Jllabt to R-IAotaI4l, If Bono_r moota ..rtain condillon.. BorroWlr ohaIl ha.. th. rishl to have .nC.....m.nt oC thI. Socurily InoInam.nl dioconllnu.d 01 ony time prior to th. ...11.. of: (a) 6 cIa)'l (or .ud1 oth.. period .. appllcabl. law m.y .pocify Cor ",IMIa"m.nl) beCoro ul. of tho Properly purouant to ony power of ul. contalnoc1ln thI. 8ocuri1y Inltnlm.nl; or (h) .ntry oC a Juclim.nl.nCorc:i", thI. 80curity 1n.lNm.nt, Th_ ....ditiOll. ... that Borrower: (a) payo Londor oil .um. which Ih.n would be du. under thI. Socurily Inltnlm.nt and tho Nota u IC no _laradon had occurTId; (h) CUTl. any doC.ull oC any other ro..nanta or agreem.nta; (c) poy. all expon... Incurrod In .nCord", thl. 8o..nly In.lNment, Includln,. bUI nol timJt.od 10, TllIOnabl. ottom.)'I' roo.; ond (eI) take. .uch lU1lon u Londer may reuonobly roqwre to OIl"" lhalthe U.n of thI. 8ocuri1y In.tnun.nl, Londe... ri,h'" In the Properly ond Borrow.", obllpdon to pay the .wn. oecurad by thI. Socurily Inowm.nt oItoll conlin.. unlhanc.d, Upon reln.lalem.nl by Borrower, W. Becurlt)' Inotrum.nt ond the oblIpttono IlCUTld h.Tlby ohall ",maln Cully.ll'octI.e .. iC no ....l...llon hod oc:cwrod. HOWl..r. thI. nallt to Tlln.tate ohall nohpply in tho .... of..-I...tlon undor paroaraph 17. 111. Bola or Nole; ChaD.. or Loon Benlo... Th. Nole or a portiol inteTl.t In tho No.. (Iopth.. with W. Socurity Inotrum.nl) may be ..ld on. or more tlm.. without prior notice to Bo""w.r, A. 001. may reault In a eblini' In tho enllly (known .. the -z-n 8orvi..r") thalcollocte monthly peym.n.. duo under tho Nole ond W. s.eurily In.lnIment. The.. a110 may be one . or more chango. oC tho Loan 8orvi..r unrelated to 0 001. of the Note. If th... I. a lhango oC th. Loan Servi..r, Borrower wll1 be given written notl.. oC the chon,. In accordance with plU'llll'&ph 14 abo.. ond appticabl. low, The noti.. will .ta.. the name and acIdro.. oC tho n." Loan 80rvicer and tho addre.. to which paymenta ohould be mado, The notice w111 al.. contain any otherlnCormollon roqul",d by applicablela". 20. BazardoUIISubd.anc... Borrow.r ahull not mUle or permit the p1'81ence, UN, dillpOMl, storBg8, or releue of any Hazardou. Subotan... on or In the Properly. Bonow.. .hall nol do. nor allow anyone .111 to do. onythlng affoc:tln,the Propeny thell. in violation or any En.iJonmental Law, The pnlC.di", two ..nlen... .hall nolopply to the pro..n.... u... or .torage on th. Property of omoll quantiijeo or HazarcIou. Sub.tan... that ere gon.mJly recogniz.d to be appropriatl to normal reoldential u... and to moin..nance ofth. Property, Borrow.r .hall pnlmplly stYe Londer written nolice oC any inv..llgallon, cloim. demand. law.wt or other lU1lon by any llC>vemmental or regulatoly IIll"ncy or private party involving th. Properly and any Haurdou. Substance or Environm.ntal Law or which Bono,,"r haa ou:IuaI knowledge, Ir Borrower I.arn.. or i. nollft.d by any ....mmenlal or reguJatoty authorily, that any removal or other rem.dlatlon oCany Hazardous Subetano:e affecting tho Property;. n_.....-y. 8o""wer shall promplly tab all n.oolllU)' rem.dial action. in a<cordance with Environmental Law. A. woc1 in W. paraaraph 20, "HazardoUl SUbetan...... ere th... oubotan.... defin.d u toxic or hazardoUl oub.tan... by Environm.ntal Law and th. Collowing .ubotancee: gasoline, k.....n., other flammabl. or toxic petroleum prodUc:tl, toxic pe.tlcido. and h.rblcide., volatile 101..nte, material. c:ontaioln, aobestoo or formaldehyde, and radioadi.. material., As uoad in this plJ'llgl'aph 20, "Environm.ntal Law" m.ans r.d.ralla". and laws of the jurisdiction wh... th. Property ietocated that relate to health, safety or environmental protection. NON,\JNIFORM COVENANTS, Borrow.r and Lender further covenanl and agree as followe: 1lI. Aooele",tloa: RemedJe., Leader ohall c1ve notIce to Borro...r prior to accaleration foUowiDc Borrower'. breaob of aay co..naat or acreemeat iD W. Seourity m.trumeat (but aot prior to aooaleratioa and.r p...llftIph 17 an1eu appUcable law provicIee oth.rwIoe). Lender .hallnot~ Borro...r of, amone other thlnp: (a) tho deteult: (bl the actioa required to CUTe tha defaalt: (0) wh.n tho detealt mut be ourad; aad (d) that failure to oure the default sa IpIlCUled may ....ult in aoooloratlon of tho eWl1ll oeonred by thie 8eenrity Instrument, to....lo.ure by jndJoW prooaeclina" and sal.. of the Property. Lender .hall farther Inform Borro...r of the rillht to reinotate after acceleration and the right to ...en in the foreclolUte proceedln, the Don-ezilJtenee ot. default or IIDT other detea.. of Borro...r to aoc.I...tI"a and toreeloauro, U the d.fault i. not oared a. apeeitied. Lender at ita option may reqnire imm.diate paym.nt iD full or all .UQUI oeourecl by thl. 8eenrity Inetnuaeat without farther dtlDUlDd and may toreolooo thIo Seonrity Inetrum.at by judicial proeeediD,. Lander ahaD be .utitled to coDect an.xpe.... iDourred in punninll the romedJe. provided in thi. parallJ'Bph ll1, inoludiDlI, but IIDt limited w, attorneyI' foaa and coote of tit Ie evld.nce to tho .xtent permitted by applicable Iew. ('...- ~QQK l?ii PACE 'oJ" (11- 6 {Il!> - me. oam P... 5 ore , . . . . .' . 'II.~.. Upon pe)'lllOnl oC 011 .wn. MC\IM by W. llonn1ey In.lnIInen~ W. Socunly In_nl and lhe .Ilale CIIlllwyod ohaIllinnInale and boeom. voIcL AlWr ouch OC<\IffIn.., Londor ohaIl cIIoclwp and ..!:lory W. Securiey lnotrum.nl wllhoul duI.... to Bono".r.Bono..... ohaIl pay any ~!:I... _le, II. Wai...... Borrower, to lb. ulent ponIlIllod by IPPUo.bl. Ilw, "oJ... and ..1_. any error ar dorlCla In ~np to ant.... W. Stcuney InllrVm.nt, and horoby walY1.lho btMal ollny prollnl or Murt II'" proYIcIl", rar.1ay oroucu!:lon. tNn.... or timo, oumpl:lon ft-om Ittachmont, I..,. and 001., and hom_&d ...mpllon. 14. s.lutalellllDl PeriocI. Bono"..... !:I1IlI to rtlMlele pnmdod In paracrtph 18 oholl .wnd to on. hour prlar to tho comm.n..m.nl orbicldin,lll oh.nll'. 001. ar oth.r 001. PUrtUlnl10 W. Socunly In.lnIm.nL .. J>wooba.. Mo...,. Mort...., I/'any orlh. doblllCllM by W. Socunl)' InotrulTllnll.lonl to Bormwor 10 ""'Iulrt !:Illo to tho Proport)', W. Socurlty In.trum.nl ohaIl bt I purch_ mon.y mortcal., alD_s.leAftarJ"dpoenL 8o....wor.,..... thallhe lnlertllrale poyohl. IItor o Ju",,".nlI. onllrod on tho Noll arln an acllon ol'mortpp rorocl..urt ohaIl bt tho rato po)'lbl.1'Imn 11m. 10 11m. undor tho Nole. 17, Bielan to thla llecurily IDnfllllUSlL Ir 011' ar mort ndort .... oxocutocl by Bono..... and fIall'lIod topth.r with W. Soc:urIty InllrVmon~ the ..Vlnanll and "IfIIm.nre or o..h ouch ndor ohoIl bt Inc:orporatocl Inlo and ohoIl amond and oupplllllOnl tho CDYITWlII and .....m.nre or W. Socunty In.trum.nl U Irlbo rld.I{.) WOrt 0 """ ol'W. Stcurlty Inllnlm.nL [Chock Ippllcablo box(..)] o A<\jlllllbl. Rato Rleler o Graduared Paymonl Rleler o Balloon Rleler o Othol{.){.po.Uy] o Condominium Rleler o P1ann.d Unll Dovolopmonl Rleler o Rato Improvemonl Rleler o 1'" Family Rleler o Blwookly Plym.nl Rider o Socond Homo Rider BY SIGNING BELOW, Bonowor....pg and "iN.. 10 lb. rem. and covonanll conlalnod in thl. Soc:urlly Inotrwnont and In any rlclor(.).xocu worand rooordad with iL Wllno_.: a;~NDt 60 ----- (Sool) .Borrower d:;;t1/ / k- CHRIST!! L BENDER C- (SoIl) .8o...."or (Soal) .Bonower 18p8". Below TIll. Llue "Dr AC.DOwledllHatJ STATE OF PENNSYLVANIA C1lHBERLAND Counly 0.: ~ Onthi.,thl 17TH day or AUGUST ,1995 ,btrontmo,thoundoniflllof appe~ CHARL!S L B!NDER AND CHRIST!! L BENDER lllillf'actor:j]y proven) to be tho penon S wh... nameS ARE .ubocribtd 10 tho within instrument" THBY lllleCIIled the OIIIDO rar tho purpoees hsrtln ..nlalnod. IN WITNESS WHE dol lOol. My commiasion expires: _SeoI Bet2lA. MeIIilcn. NotIy NlIc COIll:Ie Ben>. ClrtillrIril Cour1ly WIt Con'missilIl ElIpi1II Dee:. IS, 1996 01 Tille of Officer CoriUIOlte of Betidenoe of Moftp'te MELLOII BAlIK. II,A, certlfle. thaUte principal place oCbumns.. iut 6400 FLAIIK DRIVE, S HARRISBURG, PENNSYLVANIA 17112 , Mortgagee within namsel, ho",by PAn - 0lWl MoK12i7 PAGE 3i8 By: P.._lIolI '1--: .. .; ~~~ ~, 1'- . . \-\ '", \~ "- -...: ,~ , I/") '. , ~ '{'_\ , ., \j, (.,'-. .' J ..... 1'') f' '-.J , . ' I.f) ~~ \-...J .0- , . ~ ", \h " ~ '-<) \ ~ 1- ,~. '~.J\ (~;. ~ ~ "-.) tlllLO ~ i m& 0. -en o 't-- ~ -E~ :::: c3~ ~CJ c::~ 0..':0 co c:' Cc~) r..3 .d. UJ Co) u.. ., ; o;"':.~ 0 (,; lU ':5' :.:' lL...C:6F=/;: . OOllO-,'j'lllOOrtjUL"'~" "'I (IIOOl)lNl_W1IIOI"..;"",vUl-()()Q ..IO"""'''''O'r/ . 1\I!l1131'i'IS-1W '- SHERIFF'S RETURN - REGULAR CASE NO: 1999-01462 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND FIRST UNION MORTGAGE CORP VS, BENDER CHARLES L ET AL STEVE WHISTLER CUMBERLAND County, Pennsylvania, who to law, says, the within COMPLAINT - upon BENDER CHRISTEE L defendant, at 1102:00 HOURS, on the 15th day of March 1999 at 222 MEALS DR CARLISLE, PA 17013 ,CUMBERLAND County, Pennsylvania, by handing to CHARLES L BENDER,HUSBAND a true and attested copy of the COMPLAINT - MORT FORE and at the same time directing His attention to the contents thereof, , Sheriff or Deputy Sheriff of being duly sworn according MORT FORE was served the Sheriff's Costs: Docketing Service Affidavit Surcharge So answers: ~~~ r-~ ~ ~..d K. lhomas Kline, bherrtt~. -~ 6,00 ,00 ,00 8,00 $1.-., uu PHELAN FEDERMAN & 03/16/1999 by ,~~w~ epu y :::iherl. FEDERMAN AND PHELAN ". . '. Frank Federman, Esquire Identification No, 12248 Two Penn Center Plaza Suite 900 Philadelphia, PA 19102-1799 (215) 563-7000 FIRST UNION MOR1'GAG~ CORPORATION, S/B/M TO SIGNET MORTGAGE CORPORATION ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Plaintiff CUMBERLAND COUNTY vs. NO. 99-1462-CIVIL CHARLES L, BENDER CHRISTEE L, BENDER Defendant(s) TO I CHARLES L. BENDER 222 MEALS DRIVE CARLISLE. PA 17013 DATE OF NOTICE: APRIL 16. 1999 THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN 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, IMPORTANT NOTICE You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you, Unless you act within ten (10) days from the date of this notice, a JUdgment may be entered against you without a hearing and you may lose your property or other important rights, You should take this notice to a lawyer at once, If you do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help: CUMBERLAND COUNTY CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE. PA 17013 (717) 249-3166 Frank Federman, Esquire Attorney for Plaintiff -.. .-. -- ',' . . , FEDERMAN AND PHELAN Frank Federman, Esquire Identification No, 12248 Two Penn Center Plaza Suite 900 Philadelphia, PA 19102-1799 (215) 563-7000 FIRST UNION MORTGAGE CORPORATION, S/B/M TO SIGNET MORTGAGE CORPORATION COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY NO. 99-1462-CIVIL ATTORNEY FOR PLAINTIFF Plaintiff vs. CHARLES L. BENDER CHRISTEE L. BENDER Defendant(s) TO: CHRISTEE L. BENDER 222 MEALS DRIVE CARLISLE. PA 17013 DATE OF NOTICE: APRIL 16. 1999 THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE OBTAIN 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. IMPORTANT NOTICE You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you, Unless you act within ten (10) days from the date of this notice, a Judgment may be entered against you without a hearing and you may lose your property or other important rights, You should take this notice to a lawyer at once, If you do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help: CUMBERLAND COUNTY CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE. PA 17013 (717) 249-3166 Frank Federman, Esquire Attorney for Plaintiff ",;,:. i~"....{l [ r I I , , ~ (f) 00 r- It) ,. '::l- ~ .3 :to M (;\) 0- J II '" 0- J <t - c-< ()O ~ - ~ \t) 1; tX') uJ - ..:1 ct j I "" 8 ~5<!: C- wQ ( :);:. n_ f~:)~ CO CJ ~(j :2 '-:1:~ ~, a. '-'-~ ;::in 0 C)(~_~ 0:. "~JZ -L ~ frl[;' :-"HCD 8 --+ J/..:.'. ~ 'J --'t' diD- 1 l.- e:;:- ;0; .....- r:c' -- 3 "" ::> ,"- u () 0 en ei) E.. . - i ! , , I I r (.!; ::0 oe: CT> 0' ~ -::16 Cl;T~ C'l~ (~2 :~~.. f.i) ~;-!.. tC:Z ~dlU :~1 0.. ::3 (,) ~ .... uJg 0,", \t~, \3r-- @t: fE. ':~ . -,. ..... \,j \D -" 9 :::: ,..:' co fi:: .0 ~ :a: .:3 ~ 9 :::l<!: UIQ ()~ uti - 0<1- ~- It:;, ..:= D~ ~'b ,., c::> '...U) (I- SZ UJI.,). u::z n:lIJ (.!: u.IUI :1. :::.:> (p-a- ...., "'" ... U- 0"' :::> 0 '" 0 ~ U> ~ .::J UJ9- 8 :-J,.;; Oz q6 - r.J~ p:~ .~ "'" .~$. <56 75= 0''- CO :?(f) u.:'L' ,)2 _Jt" c ""'ffi u:: j: '. ~ J l :::> ~-Ro.. ,-' -= l... -'- "" :::> 0 '" U . . 4. Name and address ot the last recorded holder of every mortgAge ot record: HAl1f; LAST KNOWN ADDRESS (if address cannot be reasonably ascertained. please so indicate) 10 SOUTH MARKET STREE~ HARRISBURG. PA 17101 P.O. BOX 250 SHIPPENSBURG. PA 17257 HmtL.ON BANK ORRSTOWN BANK S. Name and address of every other person who has any record lien on the property: lW1J'; LAST KNOWN ADDRESS (if address cannot be reasonably ascertained. please so indicate) li2m! 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: NAME LAST KNOWN ADDRESS (if address cannot be reasonably ascertained, please so indicate) NONE 7. Name and address of every other person whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: NAME LAST KNOWN ADDRESS (if address cannot be reasonably ascertained. please so indicate) TENANT/OCCUPANT 141 EMERSON DRIVE CARLISLE. PA 17013 DOMESTIC RELATIONS OF CUMBERLAND COUNTY 13 NORTH HANOVER STREET CARLISLE. PA 17013 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa, C.S. Sec. 4904 relating to unsworn falsification to authorities. Auqust 12. 1999 DATE ~ u. ~ ~ t-' 8 ;:J~ w9 t"):.' u... :)~ --CI ~.L. .(. -.;:.: :_-)2j ~f:- #~in ' . c:l , , )2 wI. (1:Z lf~: '-" '1J~ => IU r:.: oCt ~ 15 C'I => en (J > . FIRST UNION HORTGAGE CORPORATION, S/8/H TO SIGNET HORTGAGE I CORPORATION I CUH8ERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION VD. CHARLES L. BENDER CHRISTEE L. BENDER I I NO. 99-14&2 CIVIL NOTICE OF SHERIFF'S SALE OF REAL PROPERTX August 12, 1999 TOI CHARLES L. BENDER CHRISTEE L. BENDER 222 MEALS DRIVE CARLISLE, PA 17013 ..THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS IS NOT AND SHOULD NOT BE CONSTRUED T0 BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY... Your house (real estate) at 141 EMERSON DRIVE. CARLISLE. PA 17013, is SChedUled to be sold at the Sheriff's Sale on DECEMBER 8, .l22.2 at 10:00 a.m. in the Cumberland County Courthouse, South Hanover Street, CarliSle, PA 17013, to enforce the court jUdgment of $102.420.05 obtained by FIRST UNION MORTGAGE CORPORATION. SIBIM TO SIGNET MORTGAGE CORPORATION (the mortgagee) against you. If the sale is postponed, the property will be relisted for the MARCH 1. 2000 Sheriff'S Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the mortgagee the back payments, late charges, costs and reasonable attorney's fees dUe. To find out how much you must pay, you may call: (2151 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. . You may nood an attornoy to anDort your rights, The sooner you contact ono, tho moro chanco you w1l1 hllvo or stopping tho sale. (500 not lea on pago two on how to obtain an IIttorney.) YOU MAY STlLL D~ A:~: ;~ SI\V~ ~OUR PROP::T; ~ YOU 11llVE OTHER RIGHTS EVEN IF T E R F'S 8 L DOES TI\ L . 1. be sold calling If tho Shariff's Salo Is not stopped, your property will to the highest bidder. You may find out tho price bid by (215) 563-7000. You may be able to petition the Court to sat aside the the bid price was grossly inadequate compared to the value property. 2, sale if of your 3, The Dale will go through only Sheriff the full amount due in the sale. happened, you may call (717) 240-6390. 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. if the buyer pays the To find out if this has 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 proposed schedule of distribution of the money bid for your house will be prepared by the Sheriff not later than thirty (3D) days after the sale. The schedule shall be kept on file with the SHeriff and will be made available for inspection in his office. The 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 the filing of the proposed schedule. 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 .. .. _. ,".. ALL THA T CERT,\I~ lraCl of land situate in South Middleton Township. Cumberland Coumy, Pennsylvania, baulIJed and described in accordance with Subdivision Plan of West ~Iooreland Heighls, recorded in lhe: hereinafter memioned Recorde:r's Office on June 2-1, 1976, in Plan Book 28, page -10. and as corrected by survey of Gerril J. B~tz dated July 13. 1978, a draft of said Be:IZ survey being attached 10 the Deed be:lwee:n Sylvester R, Snyder. el UX and Jose>~ A, Stimeling el u,x, dated August 3, 1978, and recorde:d in lhe hereinafler memioned Re:corder's Office in Deed Book "Y", Volume: 27, page: 7-17, as follows: BEGINNING at a poim on the: We:stern line of 36 fe:e:l wide Emerson Drive al the dividing line be:tween LOIS Nos, 18 and 19 as shown on the above memioned Plan, which point is 170 feel Nonh of the: Nonhern line of 50 feet wide Vie:w More Drive; the:nce along said dividing line belween said Lots Nos. 18 and 19. Soulh -18 degrees 30 minute:s Wesl. a dislance of 120 feel to a poim al corner common to LOIS Nos, 17, 18, 19 and 20; lhence along lhe dividing line between Lots Nos. 19 and 20 as shown on said Plan, North -II degrees 30 minutes Wesl, a dislance of 220 feel; thence Norlh 48 degrees 30 minules East. a distance of 120 feel 10 a poim on the Weslern line of said 36 feel wide Emerson Drive; lhence along said \Veslern line of said 36 feet wide Emerson Drive, Soulh -II degrees 30 minutes East, a distance of 220 feet lO a poim at the Place of BEGINNING, CONTAINING 220 feel in front along lhe Western line of 36 feel wide Emerson Drive and eXlending Westwardly therefrom at an even width a dislance of 120 feet, and being all of Lot No, 19 as shown on Ihe above mentioned Subdivision Plan of West Mooreland Heighls as corrected by the above memioned BelZ survey. BEING Ta,x Parcel # 40-2-1-0746-037, TITLE TO SAID PREMISES IS VESTED IN Charles L. Bender and Christee L. Bender, husband and wife by Deed from Michael A, Lebo and Evelyn S, Lebo, husband and wife dated 8/17/95, recorded 8121/95, in Deed Book 126, page 1118. .^ ~ ,... is .:J ~ 9 J._ O'R f-:3~ u..r- 11=0 ,"- q?-: ...::: l' '-1~ nt' co <~(u UJ"'- rEv- <:. .i:Z , ~ J IU .' ::) .lJQ.. ,.. 0::; LL .,.;.: 0 C"' -.., CI' () . :z: 0 ... ~ 0 lit 0: 0 tl r.l \!) .c \!) f< . ",< i '" c ... . oz 0 < .... CIl< f< ~ ... CO <> ~ . '" '-l..J - ~ 'll '" E:~ !-o v .... ... ::l t Z~ lJI U . . 0:0: '-l~ r.l V a O'-l 0 r.lr.l ..:I II ,.. ~r: f< ~~ x~ III ~ '-l = ... .8 :Il r.lr.l '" is ~ 0>- ... ~11l 0- ..:l ulZ I1l ... ~ i: H ... . . . > "'::l lJI III ..:I'" ;:If H 00 :> . C,) . lJIr.l ~~ r.l II !-oU :z: r.lr.l l> '" N ~~ 0 ..:If< c:(~ ... V OJ) ... ~~ ~ g, ... E-< ~~ III .... 0< ~ g, I U..J tl~ ~6 III '" '-lc:( 0 C,) ~ V '" ='-l III - '" 0: U V !-o= 0 '-l :Il .<l . ~~ C,) < .. IE 0 '0 N :z: U r.l ~ Cll N III t!l .... N III ~ '... V ~ '" E-< .. 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Q W J ,- a: '-E : .a - III _.. a: ,- ,II ~l .. .. ,- - 1 ~ - .. .- ~ IX! . ,~ - !i - <r - .,; - -. . , I I I r i I I i , , >- ..:J' i= a.; ..:J ./ i~7. ~~~.5 lJ..!~; <'" '~?~ ..'-( fi-', "'- :-.1~ C') ~: T , ,.... . '; ~'2 C,,'. N II.:" ::% -'~'I . S"' lt1lU tJ.:~.' -' If.iO.. ,-- ... , u. en ::; 0 CJ> U .. .. . " IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIRST UNION MORTGAGE CORPORATION, S/B/M TO SIGNET MORTGAGE CORPORATION Plaintiff CIVIL DIVISION vs. No. 99-1462 CIVIL CHARLES L. BENDER CHRISTEE L. BENDER Defendants AFFIDAVIT OF SERVICE PURSUANT TO RULE 3129 COMMONWEALTH OF PENNSYLVANIA CUMBERLAND COUNTY SS: I, FRANK FEDERMAN, ESQ" attorney for FIRST UNION MORTGAGE CORPORATION. S/B/M TO SIGNET MORTGAGE CORPORATION, hereby verify that on AUGUST 16. 1999, true and correct copies of the Notice of Sheriff's Sale were served by certificate of mailing to the recorded lienholder(s), and any known interested party, see Exhibit "A" attached hereto, and the Notice of Sale was sent to defendant(s) on AUGUST 16, 1999 by first class mail and certified mail return receipt requested, see Exhibit "B" attached hereto, Date: November 8. 1999 I I I I I II I ! :: I' ," ~,r' ~~S2'I'k:;;.i( .. \- .,.'::- I~':"I.:""."'~\ :1 '.'~"'il'~1\"" /,." ,\:.:. /:1 ~f1f:....: ~~~'~~'~".: :{.~f-~:. .~~..~ \~_,~',~:!.~:~~ ;'" Ilt i '~: -,. . :."" "c', . ~.' , " -=~- . ~ " z :.J c ::> :~ 8 l.i.l ~ " .: . z c '" ~ -< il2 " ...J e =: ;t '-1 . ] 0= U ~ ::;: "l:l ~~ ~ ~ ~. "" ::> . ... u... ..,l c- g " '" ~ = '" :"LLl '" c E '" 0 '" r- o~ "-i ~- ~ t! " OIl ~is Q ... 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Pennsylvania No. 99-1462 Civil Term Michael E. Barrick, Deputy Sheriff, who being duly swom according to law says on October I, 1999 at 7:01l1'clock P.M. EDST, he posled a copy of Real Estate Writ Notice Poster and Description in the above entitled action on the property of Charles L. Bender and Christee L, Bender located at 141 Emerson Drive, Carlisle, Cumberland County, Pennsylvania according to law. Dawn L Kell, Deputy Sheirff. who being duly sworn according to law, says on August 19, 1999 at 5:27 o'clock P.M, EDST, she served a true copy of Real Eslate Writ Notice and Description in the above entitled action upon the defendant to wit: Charles L. Bender by making known unto Christee Bender wife at 222 Meals Drive, Carlisle, Cumberland County, Pennsylvania, its eonlents and at the same time handing to her personally the said true and attested copies of the same, Dawn L. Kell, Deputy Sheriff, who being duly sworn according to law, says on August 19, 1999 at 5:27 o'clock P.M, EDST, she served a true copy of Real Eslate Writ Notice and Description in the above entitled action upon one of the wilhin named defendant to wit: Christee L. Bender by making known unlo Christee Bender at 222 Meals Drive, Carlisle, Cumberland County, Pennsylvania, its contents and at the same time handing to her personally the said lrue and attested copies of the same. Michael E, Barrick, Deputy Sheriff, who being duly sworn according to law, says on October I, 1999 at 7:27 o'clock P,M, EDST, he served copy of Real Estate Poster in the above entitled action upon one of the wihtin named defendants to wit: Charles Bender by making known unto Chrislee Bender, wife at 222 Meals Drive, Carlisle, Cumberland County, Pennsylvania, its contents and at the same time handing to her personally the said true and attested copies of the same, Michael E. Barrick, Deputy Sheriff who being duly sworn according to law, says on October 1,1999 at 7:27 o'clock P,M, EDST, he served a copy of Real Estate Poster in the above entitled action upon one of the within named defendants to wit: Christee Bender by makin gknown unto Christee Bender at 222 Meals Drive, Carlisle, Cumberland County, Pennsylvania. its contents and at the same time handing to her personally the said true and attested copies of the same, R. Thomas Kline, Sheriff, who being duly sworn according to law, say she 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 by first class mail to one of the within named defendants to wit: Charles L. Bender to his last known address 222 Meals Drive, Carlisle, Pennsylvania, This letter was mailed under the date of October 2, 1999 and never returned to the Sheriffs Office, 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: Christee L. Bender by first class mail to her last known address 222 Meals Drive, Carlisle, Pennsylvania, This letter was mailed under the date of October 2, 1999 and never returned to the Sheriff's Office, . ~ . . THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Und.. Atl ND,587. AD.mD.d MaV 16, 1929 Commonweel\h 01 Penneylvenl., County 01 Oeuphln} .. Michael Morrow being duty sworn according to tow, deposes and says: Thai he Is the Asslslanl Controller 01 THE PATRIOT.NEWS CO.. a corporal/on organized and exlsl/ng under the laws of Ihe Commonwoallh of Pennsylvania. wllh lis principal office and place of business at 812 10 818 Market Slreel, In Ihe City of Harrisburg, County of Dauphin. Slate of Pennsylvania. owner and publisher of THE PATRIOT.NEWS and THE SUNDAY PATRIOT.NEWS newspapers of general clrculallon, pllnted and published at 812 to 818 Market Street, In Ihe Cily, Counly and Slale aloresald; Ihal THE PATRIOT.NEWS and THE SUNDAY PATRIOT.NEWS were eSlabllshed March 4th. 1854, and Seplember 18th, 1949, respectively, and all have been conl/nuously published ever since; That Ihe prinled nollce or publication which is securely allached herelo Is exacl/y as printed and published In Ihelr regular daily and/or Sunday and Melro editlonsflssues which appeared on the 261h day of OClober and Ihe 2nd and 91h day(s) of November 1999, That neither he nor said Company Is Interested In the subjecl mailer 01 said prlnled nollce or advertising. and thsl all 01 the allegations of this slalement as to Ihe lime, place and character 01 publication are true; and That he has personal knowledge 01 Ihe facts aforesaid and Is duly authorized and empowered to verify this slalement on behalf 01 The Patriol.News Co, aloresaid by virtue and pursuanl to a resolution unanimously passed and adopled severally by the slockholders and board 01 dlreclors of Ihe seid Company and subsequenlly duly recorded In Ihe office lor Ihe Recording 01 Deeds In and lor said Counly 01 D uphin I Miscellaneous Book "M', Volume 14, Page 317. PUBLICATION COpy SALE #34 Member, PennsYlvar,ra t.sr.oclatlon ol.Nolarres .. . J 6 2 02 My commiSSIon exprres une , 0 CUMBERLAND COUNTY SHERIFFS OFACE COUR11-OlJSE CARLISLE, PA. 17013 Statement of Advertisina Costs To THE PATRIOT-NEWS CO" Dr, For publishing the notice or publication aUached hereto on Ihe above staled dates $ Probating same Notary Fee(s) $ Total $ 365.06 1.50 366.56 Publisher's Receipt for Advertising Cost THE PATRIOT-NEWS CO., publisher 01 THE PATRIOT-NEWS and THE SUNDAY PATRIOT.NEWS, newspapers of general circulation, hereby acknowledge receipt of the aloresald notice and publication costs and cerlilles Ihat the same have been duly paid. THE PATRIOT.NEWS CO, By.............,......,.............,..,......"...................,.. FIRST UNION MORTGAGE CORPORATION, S/D/M TO SIGNET MORTGAGE : CORPORATION : CUMBERLAND COUNTY COURT OF COMMON PLEAS VII. CIVIL DIVISION CHARLES L. BENDER CHRIST!! L. BENDER : : NO. 99-1462 CIVIL NOTICE OF SHERIFF'S SALE OF REAL PROPERTY August 12, 1999 TO: CHARLES L. BENDER CHRISTEE L. BENDER 222 MEALS DRIVE CARLISLE, PA 17013 **THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY,** Your house (real estate) at 141 EMERSON DRIVE. CARLISLE. PA 17013, is scheduled to be sold at the Sheriff's Sale on DECEMBER 8. ~ at 10:00 a.m. in the Cumberland County Courthouse, South Hanover Street, Carlisle, PA 17013, to enforce the court jUdgment of $102.420.05 obtained by FIRST UNION MORTGAGE CORPORATION. S/B/M TO SIGNET MORTGAGE CORPORATION (the mortgagee) against you. If the sale is postponed, the property will be relisted for the MARCH 1. 2000 Sheriff's Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the mortgagee the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call: (215) 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. . . You may need an attorney to as.ert your rights, Tho sooner you contact one, the more chanco you will havo of stopping tho 8ale. (See not ice on page two on how to obtain an et tornoy. ) YOU KAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE 8HERIFF'S SA~OES TAKE PLACE. 1. be sold calling 2. sale if of your If the Sheriff's Sale to the highest bidder. (215) 563-7000. You may be able to petition the Court to set aside the the bid price was grossly inadequate compared to the value property. is not stopped, your property will You may find out the price bid by 3. The sale will go through only Sheriff the full amount due in the sale, happened, you may call (717) 240-6390. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. if the buyer pays the To find out if this has 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 proposed schedule of distribution of the money bid for your house will be prepared by the Sheriff not later than thirty (30) days after the sale, The schedule shall be kept on file with the SHeriff and will be made available for inspection in his office. The 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 the filing of the proposed schedule. 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 KAVE 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 , ' WRIT OF EXECUTION lind/or ATTACHMENT COMMONWEAl. TH OF PENNSYLVANIA) COUNTY OF CUM8ERLAND) NO, 99-1462 CIVIL W.Ilmn CIVIL ACTION. LAW TO THE SHERIFF OF __CI!'pc..!'ln_~____.___ _._COUNn To SlllSfy Ihe dllbl,lIltertlland COSII due __yirnt ~!..~~rt~gc Corporation ----.-. _...._--- --.--.-___~..~.__ .___ _.n '"+'__'__',.,_..,,__, ___.._________ __ _ ~__ PLAINTlFF(S) Irom....<:IlIu::.1eo I.,. /I!llLf:!lr~AJ,!,.('--'.. lleooec ----.-----.---..- --.--.--...------.---- DEFENDANT(S) Bee legal description (') You are directed 10 levy upon Ihe propeny ollhe defendanl(S) and 10 sell -----'_..._,-~-_.,-._._._--------- (2) You are also directed 10 all~ch Ihe property ollhe delendant(S) nollevled upon in the possession 01 _ GARNISHEE(S) as follows: and 10 notny Ihe garnlshee(s) Ihal: (al an allachmenl has been issued; (b) Ihe garnlshee(s) Is/are enjoined from paying any debIto or lor Ihe account ollhe defendanl(s) and Irom delivering any property 01 Ihe defendanl(s) or otherwise disposing Ihereof: (3) If property of Ihedefendanl(S) not levied upon an subjecllo allachmenl is found In Ihe possession of anyone other Ihan a named garnishee, you are direc1edto nollfy him/herthal he/she has been added as a garnishee and Is enjoined as above stated. Amount Due 5102,420.05 Inlerest 8112/99 to 12/8/99 52.003.96 (per dl.em $16.84) Ally's Comm % My Paid $115.10 Plaintnl Paid L.L. S.50 Due Prolhy Sl.00 Other Costs Dale: August 18th, 1999 CUrtis R. Long Prothonotary, Civil Division by: \~ f'V\~{\~ 9~ Deputy REQUESTfNG PARTY: Name Frank Fedennan, Esq. Address: Two Penn Center Plaza, Suite 900 Philadelphia, PA 19102 Morney for: Plaintiff Telephone: ( 215) 563-7000 Supreme Court 10 No, 12248