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6. The following amounts are due on the mortgage:
Principal Balance
Interest
5/1/98 through 4/1/99
(Per Diem $22.67)
Attorney's Fees
Cumulative Late charges
2/12/96 to 4/1/99
Cost of suit and Title
$108,828.96
7,617.12
5,441.00
408.98
Search
750.00
Subtotal
123,046.06
Escrow
Credit
Deficit
Subtotal
0.00
98.03
98.03
$123,144.09
TOTAL
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 Temporary stay as provided by the Homeowner's
Emergency Mortgage Assistance Program, Act 91 of 1983,
has terminated because either:
(i) Defendant(s) have failed to meet with the Plaintiff or
an authorized Credit Counseling Agency in accordance
with Plaintiff's written Notice to Defendants, a true
and correct copy of which is attached hereto as Exhibit
IIB'I; or
(ii) Defendant(s) application for assistance has been
rejected by the Pennsylvania Housing Finance Agency.
.,51
,lljNION
Firat Union Mortgage Corporation
Polt OWIee Box 900001
Raleigh, North Carolina 27676,s001
1100 Corporate Center Drive
Raleigh, North Cill'ollna 27607 -6066
170SS-GOOO
WILLIAM D HESSE
92S ORRS BRIDGE ROAD
MECHANICSBURG, PA 170S5
0810311998
RE: FUMC Loan Number 0000009582106
NOTICE OF INTENTION TO FORECLOSE
First Union Mongage Corporation is the holder of the mongage on your property loealed al9ZS ORRS BRIDGE
RD which mongage is in SERIOUS DEFAULT because YOll have not made the current monthly payment of
880.03 for 06/01/1998 through 08/01/1998 Late charges (and other charges) have also occurred in the amount of
13S.60 The total amount now required to cure this defaul~ or in other words, get caught up in your payments, as of
the date of this letter is 1925.66
You may dispute the validity of the debt or any ponion thereof. If you do so in writing within thirty (30) days of
receipt of this letter, we will obtain and provide you with written verification thereof: otherwise. the debt will be
assumed to be valid. Likewise, if requested within thirty (30) days of receipt oflhis letter, we will send you the
name and address of the original creditor ifdifferent from above.
You may cure Ihis default within THIRTY (30) DAYS of the date of this letter, by paying 10 us the above amount of
1925.66 plus any additional monthly payments and late charges which may fall due during this period. Such
payment must be made in the form of cenified check. cashier's check or money order, and made at First Union
Mongage Corporation, A TrN: Cash Processing, P.O. Box 90000 I. Raleigh, NC 27675,9000.
If you do not cure this default within THIRTY (30) DAYS, we intend to exercise our right 10 accelerale the
mongage 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 mongage in monthly payments, Ifthe full
payment of the amount of default is not made wilhin THIRTY (30) DAYS, we also intend to start a lawsuit to
foreclose on your mongaged property.
If the mongage is foreclosed, your mongaged property will be sold by the Sherifflo pay oerlhe mongage deht. If
you cure the defaull before we begin legal proceedings against you, you will still have to pay the reasonable
attorney's fees actually incurred up 10 S50.00, However. if legal proceedings are staned against you, you will have
to pay the reasonable attorney's fees even if they are over S50.00. 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) DAY
period, you will not be required to pay the attomey's fees. YOU HAVE THE RIGHT TO REINSTATE AFTER
ACCELERATION AND THE RIGHT TO ASSERT IN THE FORECLOSURE PROCEEDINGS THE NON-
EXIST ANCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO ACCELERATION AND
FORECLOSURE,
We may also sue you personally for the unpaid principal balance and all other sums due under the mongage. If you
have not cured the default within the THIRTY (30) DA Y period and foreclosure proceedings have begun, you still
have Ihe righllo cure the default and prevenl sale at any time up to one hour before the Sheriff's foreclosure sale.
ExHIBli A
You may do 10 by plylnalhe 10111 due, II welllllhe reasonlblelllomeYI rees and COil Incurred in connection with
the roreelolure Ille (and perronn any other requlremenll undor Ihe monalae). II is eSlimlled thallhe earllell dlle
thll such a Sherlfrl SII. could be held W01lld be Ipprudmllely II. monlhs from Ihe dale oflhis leuer. A nOllce of
the dale of the Sheri fT. Sale will be I<nllO you berore the Ille. Of course, the amounl needed 10 cure Ihe derlull
will increase thelonaer you Will. You may nnd 0111 any lime ....lly whllthe required p'aymenl will be by calling
us althe followina number: 1.100-6'4.1350, Thll payment musl be in Ihe fonn of cen,ned check. cashier's check
or money order and made plyablelo UI allhe a,ldress Ilaled abo.e.
You Ihould reallrtlhata SherifTl Sale will end your ownenhlp oflhe mongaged propeny and your riShllO remain
in il. If you conllnue 10 lI.ein the proptny aner the Sherin'l Sale. alawsul! could be sll1lled 10 ..iel you,
You ha.e additional riahll 10 help prolect YOut Inleresls in the propcny, YOU IIA VE THE RIGHT TO SELL THE
PROPERTY TO OBTAIN MONEY TO PAYOFF TIlE MORTGAGE DEBT. OR TO BORROW MONEY FROM
ANOTHER LENDING INSTITlJTION TO PAYOFF THIS DEBT (YOU MA Y HA VE RIGHT TO SELL OR
TRANSFER TIlE PROPERTY SUBJECT TO TIlE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL
ASSUME THE MORTGAGE DEBT, PROVIDED nlA T ALL TIlE OUTSTANDING PAYMENTS. CHARGES
AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE AND TIlA T THE OTIlER
REQUIREMENTS UNDER TIlE MORTGAGE ARE SATISFIED). CONTACT US TO DETERMINE UNDER
WHA T CIRCUMSTANCE THIS MIGIIT EXIST. YOU IIA VE THE RIGHT TO HA VE THIS DEFAULT
CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
If you cure this defaull,the mongase will be reslored 10 the same posilion as ifno deraull has occurred. Howe.er,
you arc nol enlitled 10 Ihis righllo cure your defaull more Ihan Ihree (3) limes in any calendar year.
Sincerely.
~~e~
Mlcbael Headen
Delinquency Conlrol
Mongage Loan Servicing Group
BLPAOI
EXHIBIT A
Under the ACI. you arc entilled 10 alempomy slly of foreclosure of your mOl1~e for thirty (30) day. from the
date of this NOllce. Durin. thllllme you mUSIllTlllse and anend a 'faco,l",face mcclln. with a represtllllll.a
of the lender, or with a deslsnaled consumer credil counselins aaency. The purpoM of thiS metlins I.la antlllpl
10 work out a repaymenl plan, or to otherwise senle your delinquency. Thi. mMlnS must occur In the neKI thlny
(30) days.
Jr you "nend a face 10 face meellns with Ihlslellder. or wllh a con.umer credit counselins asency identified in this
nOllce, no funher proceedlns in monsage foreclosure may take placa for Ihlny (30) days after Ihe dale ofthll
meetlns. Vour mongage holder I. First Union Mongage Corporallon, 1100 Corporale Cenler Drive, Raleigh, NC
27607,lelephone number 1.800.654.1350.
The name. and addresses of deslsnaled consumer credit coun.ellns asencltl are Ihown on the allDched .heel. It I.
only necessary to schedule one face.to foce meeting. You should advlM your lender immedlalely of your lnltnllon.
Your monga8e Is in default because you failed 10 pay promplly Insllllmenu of principal and interest. as required.
for a period of at least SiKty (60) days, The lolal amounl of the delinquency is 1925,66
That sum includes Ihe followln8:
Total of2 monlhly payment(s) from
06/0111998 to 08/011/998
1760.06
Late Charges 135.60
Property Inspeclions and NSF check chorges, if any . 15.00
Other chorges accrued. frany 15.00
LESS: Suspense (unapplied funds): . 0.00
TOTAL AMOUNT OF DELINQUENCY: 1925.66
Your mongage is also in default for the following reasons: N/A
ffyou have tried and ore unable to resolve this problem at or after your face to face meeting. you have the right 10
apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Fund, In order to do this, yo
must fill OUI. sign and file a compleled Homeowners' Emergency Assistance Application with one orthe deslsnated
consumer credit counseling agencies listed on the allachmenl. An application for asslSlance may only be obtained
from a consumer credit counseling agency. The consumer credit counseling agency will assist you in filling out
your applicallon and will submit your completed application to the Pennsylvania Housing Finance Agency. Your
applications must be filed or post marked, within thirty (30) days of your face.to face meeling.
It is extremely important that you file your application promptly. If you do not da so. or ifyau do notfol/ow the
other times periods set forth in thislellerJoreclosure may proceed against your home immediately
It is extremely important that your application Is accurale and complele 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 metlhe time requirements set fonh above.
You will be nolified directly by that Agency of its decision of your application,
The Pennsylvania Housing Finance Agency Is located at21 0 I Nonh Front Street, Post Office Box 8029, Harrisburg,
Pennsylvania 17105, Telephone No, (7 I 7) 780-3800 or 1-800,342,2397 (loll free number). Persons with impaired
hearing can call 1-800-342-2397.
In addilion you may receive another notice from Ihis lender under Act 6 of 1974. That notice is called "Notice of
Intention to Foreclose" . You must read both notices. since they bOlh explain your 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.
Senl by Regular Mail, Certlficale of Mailing (PS Form 3877)
Sincerely,
EXHIBIT B
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FEDERMAN & PHELAN
BY: SHEETAL R. SHAH-JANI, ESQUIRE
IDENTIFICATION NO. 81760
SUITE 900, TWO PENN CENTER PLAZA
PHILADELPHIA, PA 19102
(215) 563-7000
ATIORNEY FOR PLAINTIFF
First Union Mortgage Corporation
1100 Corporate Center Drive
Raleigh, NC 27607-5066
vs.
COURT OF COMMON PLEAS
CumberlandCOUNTY
CIVIL DIVISION
No. 99-2121 Civil Term
William D. Hesse
925 Orrs Bridge Road
Mechanicsburg, PA 17055
PLAINTIFF'S BRIEF IN SUPPORT OF ITS
RESPONSE TO DEFENDANT'S PRELIMINARY OBJECTIONS
I. INTRODUCTION
Plaintiff has filed a Mortgage Foreclosure Complaint because Defendant is in default
under the mortgage. In response, Defendant has liled frivolous Preliminary Ohjections merely to
delay the foreclosure action.
II. PLAINTIFF'S MORTGAGE FORECLOSURE COMPLAINT COMPLIES WITH
THE PENNSYLVANIA RULES OF CIVIL PROCEDURE
Plaintiffs action in mortgage foreclosure is based upon an action at law to foreclose a
mortgage. not to enforce a personal liability, Pa.R.C.P. 1141. Rule 1147 of the Pennsylvania
Rules of Civil Procedure sets forth the avennents that are required to be plead in a mortgage
foreclosure complaint. The Rule provides:
The Plaintiff shall set forth in the complaint:
I. The parties to and the date of the mortgage, and of any assignments, and a
statement of the place of record of the mortgage and assignments;
!
./
Idmp/preliminaryobjectionslhcssc,doc
FEDERMAN & PHELAN
BY: SHEETAL R. SHAH-lANI, ESQUIRE
IDENTIFICATION NO, 81 i60
SUITE 900, TWO PENN CENTER PLAZA
PHILADELPHIA, PA 19102
(215) 563-7000
ATTORNEY FOR PLAINTIFF
First Union Mortgage Corporation
1100 COrporate Center Drive
Raleigh, NC 27607-5066
vs.
COURT OF COMMON PLEAS
Cumberland COUNTy
CIVIL DIVISION
No, 99-2121 Civil Tcnn
William D, Hesse
925 Orrs Bridge Road
Mechanicsburg, PA 17055
CERTIFICATE OF SERVICE
I hereby certify that a copy of the Plaintill's Response to Defendant's Preliminary
Objections, Brief and attached documents were served upon the Defendant by first class mail,
postage prepaid, at the address and on the date listed below:
William Hesse, Pro se
925 Orrs Bridge Road
Mechanicsburg, PA 19077
DATE: .5JII/tt'/
"
.;.~J!'~~~~'I~~"i.:'1~1' ,,~. ;~~
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APR 3 0 199t~
FIRST UNION MORTGAGE CORPORATION (FUMC)
SIDIM SIGNET MORTGAGE CORPORATION
1100 CORPORATION CENTER DRIVE
RALEIGH, NC 27607-5066
Plaintiff
VS.
COURT OF
COMMON PLEAS
CIVIL DIVISION
CIVIL TERM
NO. 99-2121
WILLIAM D. HESSE
925 ORRS BRIDGE ROAD
MECHANlCSBURG, PA 17055-2139
Defendant
C1VlL ACTON-LA W
MORTGAGE FORECLOSURE
NOW comes the Defendant, William D. Hesse, Pro Se, to enter with this Honorable
Court and filing in written form his objections and defenses to the claims as set
forth against him in this matter.
MOTION TO DISMISS
-------------------------~--------------------------------------------.._--------------------
-'S1
"UNION
Flrtl Union Mol1;aga Co.,.onaon
POll om.. 101100001
RIJ"gh, North CaroAna 27176.'
1100 Co.,.olllo C.nttr Crt.a
RlJalgh, North Carolina 27101_
1...111...111....1.1..1.1.11...11...11...11...1.1..1.1...1..11
WILLIAM D HESSE
925 ORRS BRIDGE ROAD
MECHANICS BURG, PA 17055
August5,I998
RE: FUMC Loan Number 9582106
Our records indicate that your loan is three paymen~ delin uent and seriously in default. This mailer is
being reported to your local credit bureau and requires your imme ,ale 8cllon, nless e loan is
reinslated, the creditor (or the inveslor) will have no choice but 10 institute foreclosure.
Please send a certified check or money order today for $2805.69 10 fully reinstate vour loan, This amount
includes charges in the amount of 135.60. (fyou do not send in the funds to reinstate. please call the
Collection Department at 1-800-654'1350 within five (5) days to discuss this situation. Follow the
instructions on our recorded message system to speak Wl(h a l;uUnsClOr or to verify that we received funds
already mailed.
Sincerely,
tJze9'V'~
Greg Vester
Collections Department
coon
Z/i0J2 fa Z
r<?b 0 .
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~
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~, EXHIBIT
~~
C(!JS' ~~
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3
LM015
Aaleigh, North Carolina 27675.gCOl
1100 Corporale Cenler Drive
Aalelgh, North Carolina 27607,5066
F~'...
1999
William D Hesse
925 Orrs Bridge Road
Mechanicsburg PA 17055
RE:
Forbearance Agreement
FUMC Loan Number
FHA/VA/PMI Case No.
Mortgagor's Name(s)
Property Address
9582106
LH0505874
William D Hesse
925 Orrs Bridge Rd
Mechanicsburg PA 17055
This letter is to confirm the approval of your Forbearance Agreement made
with First Union Mortgage Corporation. Please sign this Agreement and
return it with your first installment to our office. The Agreement will not
be considered valid until we receive the signed original. Enclosed is a
copy for your records.
We will allow your account to remain delinquent during the period that you
make payments under this Agreement; however, late charges will continue to
accrue and credit bureau reporting will continue. If this plan is
completed as scheduled, regular monthly payments will resume on June 1, 2000.
This reinstatement plan will be null and void if you choose to file
bankruptcy. When the annual escrow analysis is performed on your account,
it may be necessary to revise the monthly payment amount.
Certified funds only will be accepted during the Forbearance Agreement;
personal checks will be rejected, Payments are due in our office on the due
date specified below; there is no grace period during the Forbearance
Agreement. Please remit your payments according to the following schedule.
Date Payment must be
Received by FUMC
Amount of
Payment
Applied as
Payment for:
03/15/99 $1173.37 10/98 & 1/3 pmt
04/15/99 $1173.37 11/98 & 1/3 pmt
05/15/99 $1173,37 12/98 & 01/99 pmts
06/15/99 $1173.37 02/99 & 1/3 pmt
07/15/99 $1173.37 03/99 & 1/3 pmt
08/15/99 $1173,37 04/99 & 05/99 pmts
09/15/99 $1173.37 06/99 & 1/3 pmt
10/15/99 $1173.37 07/99 & 1/3 pmt
11/15/99 $1173.37 08/99 & 09/99 pmts
12/15/99 $1173,37 10/99 & 1/3 pmt
01/15/00 $1173.37 11/99 & 1/3 pmt
02/15/00 $1173,37 12/99 & 01/00 pmts
03/15/00 $1173,37 02/00 & 1/3 pmt
04/15/00 $1173.37 03/00 & 1/3 pmt
05/15/00 $1173,37 04/00 & 05/00 pmts
June 1, 2000 mortgagor will begin making normal payments and
satisfying any accrued fees,
EXHIBIT 5
~;;i';lgh:'N"onh Carolina 27675.9001
1100 Corporal. Cenler Drive
Raleigh, Nonh Carolina 27607,5066
t=~~:."ond ,",'" 'o<bo,.""O' ,. 00"""" opOO ""'y on. 00001.,.
pertormance under the Repayment Schedule set forth above, and hereby
understand and agree that, it I/we do not perform in accordance with this
Schedule, then any agreement of forbearance on the part of FUMC shall
thereupon terminate and the full and total amount of the delinquent payments
under the loan shall become immediately due and payable to effect
reinstatement.
It is further mutually understood and agreed that nothing herein contained
shall in any way impair the security now held on said loan, nor shall
waive, annul, vary or affect any provision, condition, covenant, or
agreement contained in the loan documents, including, but not limited to,
the Note and Deed of Trust/Mortgage, affect or impair any rights, powers,
or remedies under the Note and Deed of Trust or Mortgage.
Reqular Mail
First Union Mortgage Corp.
P.O. Box 900001
Raleigh, NC 27675-90001
Express Mail
First Union Mortgage Corp.
1100 Corporate Center Drive
Raleigh, NC 27607
Sincerely,
~ijJ~
Michael Griffin
Loon ""7;;'= T.~
( tJii/JJ;j
Date:
/ J
77S 199
I
(SEAL)
~ (SEAL)
Date:
EXHIBIT
5
LMOO/
Raleigh, North Carohna 27675.9001
1100 Corporale Cenler Drive
Raleigh, North Carolina 27607,5066
EXHIBIT
According to your Reinstatement Agreement dated February 18, 1999, we were to
receive $1173.37 by March 15, 1999. As of today, we still have not
received these funds. As stated in the Agreement, if payments are not
received on schedule, we will consider the Agreement void, and full
reinstatement will be necessary to avoid foreclosure. ~
To fully reinstate your account, please send $ 9,352,5~O us, This c-lf&~~.~~
amount includes the June, 1998 through March, 1999 payments in ~',
the amount of $ 880.03 each, in addition to late charges totaling
$ 417.20. These funds must be in the form of a certified check or t:aZj
or money order. Normal delinquency servicing will continue and additional ~
attorney fees may accrue.
If you have any questions or need further information, please
the Loss Mitigation Department at 1-800-654-9322.
c.^ ~f: I ~~~ /'
{ r- QUU
call
l...::.'
'Y761fZ
-..
6
F~~:
1999
William D Hesse
925 Orrs Bridge Road
Mechanicsburg PA 17055
RE: FUMe Loan Number
VA Guaranty No,
9582106/
LH0505874
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FIRST UNION MORTGAGE CORPORATION (FUMC)
SIBIM SIGNET MORTGAGE CORPORATION
1100 CORPORATION CENTER DRIVE
RALEIGH, NC 27607-S066
Plaintiff
--
COURT OF
COMMON PLEAS
CIVIL DMSION
CIVIL TERM
NO. 99-2121
VS.
WILLIAM D. HESSE
92S ORRS BRIDGE ROAD
MECHANICSBURG, PA 17055-2139
Defendant
CIVIL A ClON-l.A W
MORTGAGE FORECLOSURE
NOW comes the Defendant, William D. Hesse, Pro Se, to enter with this Honorable
Court and filing in written form his objections and defenses to the claims as set
forth against him in this matter.
.-----..-----......--------..---..--
MOTION TO DISMISS
..-------..---..-..------------------------..-------..-----....---........---....---..---......---..--....--......--------
APR 3 0 199~
'.
fl~~JN
FIr1l Union Mortglgl CorporoUon
Po.. om," BOlllOOOOl
Rol.lgh, North ClIO,lnl 27S7&.lIOOI
1100 COrpOrotl Clnll' O~VI
RolIlgh, North ClIOnn. 27llO1_
""111",11"",1.1,,1,1,11.,,11,.,11..,11,,,1,1,.1,1,.,1.,11
WILLIAM D HESSE
925 ORRS BRIDGE RD
MECHANICSBURG. PA 17055
AugU.Q1998
'-"
RE: FUMC Loan Number 9582106
NOTICE OF INTENTION TO FORECLOSE
First Union Mortgage Corpollltion is the holder of the mortgage on your property localod at 925 OURS
BRIDGE RD, which mortgage is in SERIOUS DEFAULT because you have nol made the current monthly
paymenlof 880.03 for 0610111998 through 08/011/998. Lale charges (and olher charges) have also
occurred in the amounl of 135.60, The total amount now required 10 cure this default, or in other words,
get caught up in your payments, as of the dale ofUlis letter is 1925.66.
You may dispute the validity Oflhe debt or any portion Ihereof. (fyou do so in wriling within thirty (30)
days of receipl of this letter, we will oblain and provide you with written verificalion Ihereof; otherwise, the
debt will be assumed 10 be valid. Likewise. ifrequesled within thirty (30) days of receipt of this letter, we
will send you the name and address of the original creditor ifdifferent from above,
You may cure this default within TI:!(RTY 30 DAYS of the date of this letter. by paying 10 us the above
amount of 1925.66, Dlus any additiona monthly payments an ale c arges which may fall due during this
period. Such payment must be maOe mUle tann of l,;~ Li~heck, cashiers check or ~oney order, and
made at First Union Mortgage Corporation, A TTN: Cash Processing, P.O. \lox 900001, Raleigh, NC
27675.9000,
(fyou do not cure this default wilhin THIRTY (30) DAYS, We intend to exercise our righllo accelellltethe
mortgage payments. This means whalever is owing on the original amount borrowed will be considered
due immediately and you may lose the chance 10 pay off the original mortgage in monthly payments. (fthe
full paymenl of the amount of default is nOI made within THIRTY (30) DAYS, we also inlend to stan a
lawsuil to foreclose on your mortgaged property.
(fthe mortgage is foreclosed, your mortgaged property will be sold by the Sherifflo pay offlhe mortgage
debl. If you cure Ihe default before we begin legal proceedings against you, you will slill have 10 pay the
reasonable attorney's fees actually incurred up 10 $50.00. However, if legal proceedings are slarted againsl
you, you will have 10 pay the reasonable attorney's fees even iflhey are over $50.00. Any attorney's fees
will be added to whatever you owe us, which may also include our reasonable COSIs. If you cure this
default within Ihe THIRTY (30) DAY period, you will not be required 10 pay the anorney's fees. YOU
HA VE THE RIGHT TO REINSTATE AFTER ACCELERATION AND THE RIGHT TO ASSERT IN
THE FORECLOSURE PROCEEDINGS THE NON.EXIST ANCE OF A DEFAULT OR ANY OTHER
DEFENSE YOU MAY HA VE TO ACCELERATION AND WKCCLOSURJ:..
EXHIBIT
2
We may also sue you personally for Ihe unpaid principal balance and all other sums due under the
mortgage, If you have not cured Ihe defaull within the THIRTY (30) DA Y period and foreclosure
proceedings have begun, you still have Ihe right 10 cure Ibe defaull and prevenl sale at any time up 10 one
hour before the Sherin's foreclosure sale. You may do so by paying Ihetotal due. as well as the reasonable
attorney's fees and cost incurred In conneclinn with Ibe foreclosure sale (and perform any olber
requiremenlS under Ibe mortgage). It is estimated Ibat the earliest dale that such a Sherin's Sale could be
held would be approximately six months from Ibe date of this letter. A nOlice of the date of the Sherin's
Sale will be sent to you before the sale. Of course, Ibe amounl needed to cure Ibe defaull will increase the
longer you wait, You may rmd out any time exaclly whatlbe required payment will be by calling us at the
following number: 1-800,654-1350, This payment must be in Ibe form of certified check, cashie~s check
or money order and made payable to us allhe address stated above,
.
You should realize that a Sherin's Sale will end your ownership of the mortgaged property and your right
to remain in it. If you continue to live in Ibe property afler Ihe Sheriffs Sale. a lawsuit could be SInned to
evict you.
You have additional rights to help protect your interests In the property. YOU HAVE THE RIGHT TO
SELL THE PROPERTY TO OBTAIN MONEY TO PA Y OFF THE MORTGAGE DEBT, OR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAYOFF THIS DEBT (YOU
MAY HAVE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO
A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT. PROVIDED THAT
ALL THE OUTSTANDING PAYMENTS, CHARGES AND A TIORNEY'S FEES AND COSTS ARE
PAID PRIOR TO OR AT THE SALE AND THAT THE OTHER REQUIREMENTS UNDER THE
MORTGAGE ARE SA TISFIED), CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCE
THIS MIGHT EXIST. YOU HA VE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD
PARTY ACTING ON YOUR BEHALF.
If you cure Ibis default, the mortgage will be restored to the same position as ifno defaull has occurred,
However, you are not entitled to this right to cure your defaull more than Ihree (3) times in any calendar
year.
Sincerely,
7Ittdad -;?te~
Michael Headen
Delinquency Control
Mortgage Loan Servicing Group
BLPAOI
EXHIBIT
2
flff~JN
FlrIt Union Mortalgl Corp_on
POllomcoBolGOOOOt
RoIIlgll, No"" CIIOIlnI 271760G00l
1100 Corporlll Conter D~"
RoIolgh, No"" Cllonnl 27807_
1".111",111""1,1,,1.1,11,.,11,,,11.,,11..,1,1,,1,1".1,,11
WILLIAM D HESSE
915 ORRS BRIDGE ROAD
MECHANICSBURG, PA 17055
Augu.! 5,1998
RE: FUMC Loan Number 9582106
Our records indicate that your loan is three payments delin uent and seriously in defaull. This matter is
being reported to your local credit bureau and requires your imme late aCllon. nless e loan is
reinstated. the creditor (or the investor) will have no choice but to institute foreclosure.
Please send a certified check or money order today for $1805.69 to fully reinstate Vour loan. This amount
includes charges in the amount of 135.60. If you do not send in the funds to reinstate. please call the
Collection Department at 1.800-654.1350 within five (5) days to discuss this situation. Follow the
instructions on our recdtded message system to speax Wlln il ~uunselor or to verify that we received funds
already mailed.
Sincerely.
~'P~
G reg Vester
Colleclions Department
COO 13
'''l~ b 9
f'i5O D~
1'.3 t6..7]/
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~ EXHIBIT
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3
LM015
Raielgh, i..io~ti carolina 27675.9001
1100 Corporate Center Drive
Raleigh, North Carolina 27607.5066
F~'".
1999
William D Hesse
925 Orrs Bridge Road
Mechanicsburg PA 17055
RE:
Forbearance Agreement
FUMC Loan Number
FHA/VA/PMI Case No.
Mortgagor's Name(s)
Property Address
9582106
LH0505874
William D Hesse
925 Orrs Bridge Rd
Mechanicsburg PA 17055
This letter is to confirm the approval of your Forbearance Agreement made
with First Union Mortgage Corporation. Please sign this Agreement and
return it with your first installment to our office. The Agreement will not
be considered valid until we receive the signed original, Enclosed is a
copy for your records.
We will allow your account to remain delinquent during the period that you
make payments under this Agreement; however, late charges will continue to
accrue and credit bureau reporting will continue. If this plan is
completed as scheduled, regular monthly payments will resume on June 1, 2000.
This reinstatement plan will be null and void if you choose to file
bankruptcy. When the annual escrow analysis is performed on your account,
it may be necessary to revise the monthly payment amount.
Certified funds only will be accepted during the Forbearance Agreement;
personal checks will be rejected. Payments are due in our office on the due
date specified below; there is no grace period during the Forbearance
Agreement. Please remit your payments according to the following schedule.
Date Payment must be
Received by FUMC
Amount of
Payment
Applied as
Payment for:
03/15/99 $1173,37
04/15/99 $1173,37
05/15/99 $1173,37
06/15/99 $1173,37
07/15/99 $1173,37
08/15/99 $1173.37
09/15/99 $1173.37
10/15/99 $1173.37
11/15/99 $1173.37
12/15/99 $1173.37
01/15/00 $1173.37
02/15/00 $1173,37
03/15/00 $1173,37
04/15/00 $1173,37
05/15/00 $1173,37
June 1, 2000 mortgagor will begin making normal
satisfying any accrued fees.
10/98 & 1/3 pmt
11/98 & 1/3 pmt
12/98 & 01/99 pmts
02/99 & 1/3 pmt
03/99 & 1/3 pmt
04/99 & 05/99 pmts
06/99 & 1/3 pmt
07/99 & 1/3 pmt
08/99 & 09/99 pmts
10/99 & 1/3 pmt
11/99 & 1/3 pmt
12/99 & 01/00 pmts
02/00 & 1/3 pmt
03/00 & 1/3 pmt
04/00 & 05/00 pmts
payments and
EXHIBIT
5
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APR 3 0 199V
FIRST UNION MORTGAGE CORPORATION (FUMC)
SIDIM SIGNET MORTGAGE CORPORATION
1100 CORPORATION CENTER DRIVE
RALEIGH, NC 17607.5066
Plaintiff
VI.
COURT OF
COMMON PLEAS
CIVIL DIVISION
CIVIL TERM
NO. 99.1111
WILLIAM D. HESSE
925 ORRS BRIDGE ROAD
MECHANICSBURG, PA 17055-2139
Defendant
CIVll. A ClON-T.A W
MORTGAGE FORECWSURE
NOW comes the Defendant, William D. Hesse, Pro Se, to enter with this Honorable
Court and filing in written form his objections and defenses to the claims as set
forth against him in this matter.
MOTION TO DISMISS
It~m#l7
Defendant cballenges Item N7 argues tbe NON EXISTANCE DEFAULT
applies and tbls filing Is deemed to be unnecessary in light orebe facts.
Item N 8. 9. and 19.t
Defendant stipulates to tbese items as stated.
THEREFORE, The defendant having submitted all arguments, exhibits
and information to the best of his knowle e PRAYS this Honorable
Court Cor dismal of case N 99-2121.
William D. Hesse
925 Orrs Bridge Road
Mechanicsburg, Pa 17055-2139
717-728-9626
Motion to Dismiss is HEREBY GRANTED this _Day of
,1999.
Motion to Dismiss is HEREBY DENIED this
Day of
,1999.
<;:,i
to.
"t
Q
(;
Presiding Judge, Civil Term
Cumberland County, PA.
XF990
Raleigh, Nonh Carolina 27675.9001
1100' Corporau Cenler Drive
Raleigh, Nonh Carolina 27607-5066
f~~:,
1999
W1111am 0 Hease
925 Orrs Bridge Rd
Hechanicsburg PA 17055
RE: FUMC Loan Number 9582106
You are hereby notified thet your account has been referred to our
attorney to initiate and proceed with foreclosure, The amount due to
reinstate your loan may now include attorney's fees and expenses, All
subsequent communication regarding this account (with the exception
being the ..A~p,lQXAtinn of Al t'1l!~nSlHvj;I"Q ton Fn,.",,..1naltl"'A) must be directed to:
Federman And Phelan
2 Penn Ctr Plaza 900
Philadelphia PA 19103
(215)563-7000
Reinstatement funds must be certified and paid directly to the attorney
listed above, Once account is fully reinstated, our normal servicing will
resume, If you desire to seek alternatives to the foreclosure action,
please call our lo~s miti~ation team at 1-888-217-9081, l O~
During your delinquency, the property must be maintained properly, If the
property is reported vacant, we will ensure the property is maintained and
expenses incurred as a result of this maintenance will be charged to you.
Sincerely,
~~
I
Foreclosure Department
11&
EXHIBIT
4
LM015
Ralalgh, NOrlh Carolina 27675.9001
1100 Corporale Center Onve
Ralalgh, NOrlh Carolina 27607.5066
F~'".
1999
William 0 Hesse
925 Orrs Bridge Road
Mechanicsburg PA 17055
RE:
Forbearance Agreement
FUMC Loan Number
FHA/VA/PMI Case No.
Mortgagor's Name(s)
Property Address
9582106
LH0505874
William 0 Hesse
925 Orrs Bridge Rd
Mechanicsburg PA 17055
This letter is to confirm the approval of your Forbearance Agreement made
with First Union Mortgage Corporation. Please sign this Agreement and
return it with your first installment to our office. The Agreement will not
be considered valid until we receive the signed original. Enclosed is a
copy for your records.
We will allow your account to remain delinquent during the period that you
make payments under this Agreement; however, late charges will continue to
accrue and credit bureau reporting will continue. If this plan is
completed as scheduled, regular monthly payments will resume on June 1, 2000.
This reinstatement plan will be null and void if you choose to file
bankruptcy. When the annual escrow analysis is performed on your account,
it may be necessary to revise the monthly payment amount.
Certified funds only will be accepted during the Forbearance Agreement;
personal checks will be rejected. Payments are due in our office on the due
date specified below; there is no grace period during the Forbearance
Agreement. Please remit your payments according to the following schedule.
Oate Payment must be
Received bv FUMe
Amount of
Payment
Applied as
Payment for:
03/15/99 $1173.37 10/98 & 1/3 pmt
04/15/99 $1173.37 11/98 & 1/3 pmt
05/15/99 $1173.37 12/98 & 01/99 pmts
06/15/99 $1173.37 02/99 & 1/3 pmt
07/15/99 $1173.37 03/99 & 1/3 pmt
08/15/99 $1173.37 04/99 & 05/99 pmts
09/15/99 $1173.37 06/99 & 1/3 pmt
10/15/99 $1173.37 07/99 & 1/3 pmt
11/15/99 $1173.37 08/99 & 09/99 pmts
12/15/99 $1173.37 10/99 & 1/3 pmt
01/15/00 $1173.37 11/99 & 1/3 pmt
02/15/00 $1173.37 12/99 & 01/00 pmts
03/15/00 $1173.37 02/00 & 1/3 pmt
04/15/00 $1173.37 03/00 & 1/3 pmt
05/15/00 $1173.37 04/00 & 05/00 pmts
June 1, 2000 mortgagor will begin making normal payments and
satisfying any accrued fees.
EXHIBIT 5
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PRAECIPE FOR WRIT OF EXECUTION - (MORTGAGE Jt'ORECLO~'URE)
P.R.C.P,31~3183
rIRST UNION MORTGAGE
CORPORATION, S/B/M TO SIGNET
MORTGAGE CORPORATION
Plaintit't'
Det'endant(s)
I COURT or COHMON PLEAS
I CUMBERLAND COUNTY, PA
I
I NO. 99-2121 CIVIL
I
I
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I rKAYA:IPII, roR WRIT 01" I".lU'.CU'I10N
I ~ORTC^GlI,t'ORECLOSVR~
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va.
WILLIAM D. HESSE
TO THE DIRECTOR OF THE OFFICE OF THE PROTHONOTARY:
Issue writ of execution in the above matter:
Amount Due
$l25.048.37
Interest from 6/23/99 TO
l2/8/99
(PER DIEM - $20.56)
$ 3.474.64 and Costs
$l28.523.0l TOTAL
~ ~ ~ ~AJo~~~
F K FED RMAJ", ESQUIRE
TW PENN CEN~ER PLAZA
SUITE 900
PHILADELPHIA, PA 19l02
Attorney for Plaintiff
A
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Note: Please attach description of property.
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FIRST UNION MORTGAGE CORPORATION,
S/B/M TO SIGNET MORTGAGE CORPORATION
VB.
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
CIVIL DIVISION
WILLIAM D. HESSE
NO. g'-2121 CIVIL
TO: WILLIAM D, HESSE
'25 ORRS BRIDGE ROAD
MECHANICSBURG, PA 17055
**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 BANKRUPTey, THIS IS NOT AND SHOULD NOT BE
CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT
ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY..*
NOTICE OF SHERIFF'S SALE or REAL PROPERTY
June 30, u"
Your house (real estate) at 925 ORRS BRIDGE ROAD,
MECHANICS BURG , PA 17055, is scheduled to be sold at the Sheriff's
Sale on DECEMBER 8. 1999 at lO:OO a.m. in the Cumberland County
Courthouse, South Hanover Street, Carlisle, PA 17013, to enforce
the court judgment of 5125,048,37 obtained by FIRST UNION MORTGAGE
CORPCRATION, SIBIM TO SIGNET MORTGAGE CORPORATION (the mortgagee)
against you. If the sale is postponed, the property will be
relisted for the MARCH l, 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:
l. 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 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 BB ABLB TO SAVB YOUR PROPERTY AND YOU HAVE OTHBR
RIGHTS EVBN IF TKB SHE~IFF'S SALE DOES TAKE PLACE,
1.
be Bold
calling
If the Sheriff's Sale
to the highest bidder.
12151 563-7000.
You may be able to petition the eourt 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
2.
sale if
of your
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 (7l7) 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 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-pf the money bid for
your house will be filed by the Sheriff on ,~vAry 1,o~. 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 (lO) days after VA(lvArL/ '], .;J.i11fl;
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
You may need an attorney to assert your rights. The sooner
you contllct 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.
(2151 563-7000.
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 sale will go through only
Sheriff the full amount due in the sale.
happened, you may call (7l7) 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 th~s 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 schedule of distribution of the money bid for
your house will be filed by the Sheriff on ,JAnuAry 1. c;ff7J7j. 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 JAnuAry 7,~~
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
(BOO) 990-9108
,
WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEAlTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO, 99-2121 CIVIL ~Term
CIVIL ACTION. LAW -
TO THE SHERIFF OF
Cumberland
COUNTY:
First Union Mortgage corporation
To satisfy the debt, Interest and costs due
PLAINTIFF(S)
from William D. Hesse
DEFENOANT(S)
(1) You are directed to levy upon the property olthe defendanl(s) and to sell see 1eqal description
(2) You are also directed to attach the property of the defendant(s) not levied upon In the possession of _
GARNISHEE(S) as follows:
and to not~y the garnlshee(s) that: (a) an attachment has been issued; (b) the garnishee(s) Is/are enjoined from paying any
debt to or for the account of the defendant(s) and from delivering any property of the defendant(s) or othelWlse disposing
thereof;
(3) If property of the defendant(s) not levied upon an subject to allachment Is found In the possession of anyone other
thana named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above
stated,
Amount Due $125.048.37
from 6/23/99 to l2/8/99
Interest SJ. 4 74.64 (per diem -S20. 56)
Atty's Comm %
AtlyPaid $l06.68
Plaintnf Paid
L.L. $.50
Due Prothy Sl.00
Olher Costs
Date:
eurtis R. Lono
Prothonotary, Civil Division
~lL m~Y1(,VII1~
Oeputy
.1uly 7, 1999
by:
REQUESTING PARTY:
Name Frank Federman, Esq.
Address: Two Penn eenter Plaza, suite 900
Philadelphia. PA 19102
Attorney/or: Plaintiff
Telephone: 215-563-7000
Supreme Court 10 No, 12248
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nltST UNION MORl'GAm: CORI'ORA TlON, S11IIM
1'0 SIGNET MORTGAGE CORPORATION
Plalntlrr,
CUMDt:RLAND COUNTY
comlT at' COMMON PLEAS
CIVil, DIVISION
NO, 99.%121 CIVil.
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AFFIDAVIT PURSUANT TO RULE 3129
(Affidavit No, I)
FIRST UNION MORTGAGE CORPORATION. S/B/M TO SIGNET MORTGAGE
CORPORATION, Plaintiff in the above aClion, by its allorney, FRANK FEDERMAN, ESQUIRE, sels
forth as of the date the Praecipe for the Writ of Execulion was filed the following information
concerning the real property located at 925 ORRS BRIDGE ROADMECHANICSBURG. PA 17055
I, Name and address ofOwner(s) or reputed Owner(s):
NAME LAST KNOWN ADDRESS (If address cannot be
reasonably ascertained, please so indicate,)
WILLIAM D. HESSE
925 ORRS BRIDGE ROAD
MECHANICSBURG, PA 17055
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,)
NONE.
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10 S1l.iM, I MUlll (;Alil, (0111'011,\ 110:-'
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CDIBI:RI.A;\n COI'NH'
No, 99.11Z1 CIVil.
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WILI.IAM 0, IIESSE
I>dtndanl(.),
Junc 4, 2001
TO: WILLIAM D, HESSE
925 ORRS BRIDGE ROAD
MECHANICSBURG, PA 17055
"TillS FIRM IS ^ DEIlT COLLECTOR A TfEMPTlNG TO COLLECT A DEIlT AND ANY INFOR.\fA TION
ODT AINED WILL DE USED FOR THAT PURPOSE, IF YOL' HAVE PREVIOUSL Y RECEIVED A DISCHARGE IN
DANKRI'PTCY AND TIllS DEBT WAS NOT REAFFIR~IED, THIS IS NOT AND SHOULD NOT DE CONSTRUED
TO BE M. ATfEMPTTOCOLLECT A DEBT, BUT ONLY ENFORCE~IENTOF A LIEN AGAINST PROPERTY,"
Your house (real estate) al92S ORRS BRIDGE ROADi\lECHANICSBURG, PA 170SSis
scheduled to be sold at the Sherirrs Sale on SEPTEMBER 5, 2001 at 10:00 a,m, in the Cumberland
County Courthouse, South Hanover Street, Carlisle, PA 17013, to enforce the court judgment obtained
by FIRST UNION MORTGAGE CORPORATION. SIB/M TO SIGNET MORTGAGE
CORPORATION (the mortgagee) against you, If the Sheriffs sale is postponed, the property will be
relisted for the DECEMBER 5, 2001 Sheriffs Sale,
NOTICE OF OWNER'S RIGHTS
YOU MAYBE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriffs Sale, you must take Immediate action:
I. 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 lIIl allllmey III aiien )'llur "llhts, The sooner )'llU contact one, Ihe more chance
you "'ill have of stoppin!: thc s:IIc, (See nolke Oil p.~.: tWlllltl huw 10 obtain IlI1 anomey,)
YOU MAY STI!.!. BE AD!.E 1'0 SA V.: YOUR PROPF.RTY A~~ YOU If A VF. OTIfF.1\
RIGIfTS EVF.N IFTlfE SIfF.RIFF'S SA"': DOES TAKF. Pl.;\' ,
I. If the Sheriffs Sale is nol itopped. YOUt propeny will be sold 10 the highest bidder, You may
find out the price bid by callinll 121 S l S6J. 7f/QO,
2. You may be able 10 petition the Coun 10 set aside the sale if the bid price was grossly
inadequate compared to the value of your propeny,
), The sale will go through only iflhe buyer pays the Sheriff the full amount due in Ihe sale, To
find out if this has happened. you may call (717) 2-10-6390,
4, If the amount due from the Buyer is not paid to the Sheriff. you will remain the owner of/he
propeny as if the sale never happened,
5, You have the righllo remain in the propeny until the full amount due is paid /0 the Sheriff
and the Sheriff gives a deed /0 Ihe buyer. At that time. the buycr may bring legal proceedings to evict
you,
6, You may be entitled 10 a share oflhe money which was paid for your house, A schedule of
distribulion 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 lhat 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 distribution is filed.
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 YOUR LA WYER 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 ATTORNEY REFERRAL
CUMBERLAND COUNTY BAR ASSOCIATION
2 LIBERTY AVENUE
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013
(717) 249-3166
(800) 990-9108
"
Docket for Case: " .. GetCaseNo() .. .. (" + DktTypeExpand(m'llsDkIT)'Pe) .. ")
Page 1 00
Filing No.
Date
11/22/99
1 1/22199 2
12106,99 3
12/20/99 4
01/28/00 5
01/31100 6
03/03/00 7
03/03/00 8
03/16/00 9
03/22/00 10
03/22/00 11
03/30/00 12
03131/00 \3
Bankruptcy Docket Report
1 99-04972 (Harrisburg)
HESSE, WILLIAM D
Docket Items entered between 01101/1931 II lid 06/04/2001
Docket Entry
VOLUNT AR Y PETITION under Chapter 13 with all documenls except Plan/Summary IEOD
11/22/99] [IlMM]
NOTICE ofinlenllo disntiss case unless missing documenls are filed: due by 12/07/99 Re: lIem #
I, [Complied] IEOD 11/22/99] [IlMMJ
Ch, 13 Plan Re: lIem # 2, [EOD 12'07!99] InM~IJ
CERTIFIC ATE of Mailing of :-10 lice of 341 Meeling. Objeclions 10 the plan are due IS days aner
meeting held, [EOD 12/20/99] [CGJ
341 meeting held, IEOD 01/2S/00] ICAJ
OIlJECTION to Plan by Trustee, [Disposed] [EOD 01/31/00) [JC]
MOTION for relief from slay filed by FIRST UNION MORTGAGE CORP. (Fee pd,. 575,00,
Rec,#556270) [Disposed] [EOD 03/03/00J ESP]
ORDER Ihat answers aredue on 03/23/00 Re: Item # 7, [EOD 03/03,00J [SPI
CERTIFICATE of service Re: Ilem # S, [EOD 03/16/00] [SP]
ANSWER by DEnTOR Re: Item # 7, [EOD 03/22/00] [SP]
ANSWER by Debtor Re: lIem # 7, [EOD 03/23/00] [IlW]
CORRESPONDENCE from Movant requesting maner be Iisled for hearing, Re: lIem # 10, [EOD
03/30/00] [JG]
CORRESPONDENCE SETTING PHONE CONFERENCE on 05105/00 at 02:30 P.M, at
FED,BLDG" BKRPTCY CTRM,(3RD FLR,), THIRD & IV ADiliT STS" HARRISBURG,PA,
1710S Re: lIem # 7, [EOD 03/31100] [JC]
04/07/00 14 NOTICE to parties in interest ofObjeclion to Plan by Trustee, Hearing on 05/11/00 at 02:30 P,M,
at FED,BLDG.. BKRPTCY CT&\.l,(3RD FLR,), THIRD & WALl'<'lJT STS.. HARRISBURG,PA,
17108 Re: lIem # 6, [EOD 04/07/00J [SP]
05/02/00 15 Amended Ch, 13 Plan [EOD 05/02/00] [JC)
This entry disposes of motion, Re: lIem # 6, [EOD 05/02/00] [JC)
05/02/00 16 CERTIFICATE OF MAILING RE: NOTICE ON CHAPTER 13 PLAN AMENDMENTdue on
OS/22/00 Re: lIem # 15, IEOD 05/02/00J [JC)
05/05/00 17 PROCEEDING MEMO: phone conference nol held, Seuled per movant. Stipulation to be filed, Re:
lIem # 10, [EOD 05/05/00] [JG]
05/15/00 IS OBJECTION to plan by HOMESIDE LENDING,INC, Re: Item # 15, [DisposedJ [EOD 05/15/00]
[JC]
...InPacer?ExecThis=dockel&puid=00991674644&case_no= 1999-04972&office= 1 &DklType=+&6/4/0 1
Dockel for Cuse: " + GCICuseNo{) + .. (" + DklT)'PeE~paml(m,gsDkIType) + ")
Page 2 of3
OSil71oo 19 CORRESI'ONDENl'E S"I'IINO IIEARING 011 OMSt)\) at 0'1:)0 A,~l. at FEI>.UI.IlG..
OKRPTCY CTRM,()RO r'I.R,). T1I1RO &. WALNUT 51'S., IIARRI$Bl'RG,PA, 17108 Re: Item
# \8, (Rmheduledl (WOOS/l7oo) (JC!
06105'00 20 A"","ded Ch, IJ Plan (REQl'liSTED PROOF OF SERVICE TO CREDITORS) [EOO 06106100)
(lC)
Thi. entry Jispo... of motion, Re: Item n 1 R. (EOO 06,06'00) (lC)
This entry caned. the prev,uu. due date, Re: Item # 19, (EOO 061061001 (lCJ
06/23100 21 STIPULATION by I'ARTIES [EOIl 061230001 (lCJ
06123/00 22 ORDER approvinll.tipulation Re: Item # 7, [EOO 06123/00) [JC)
06126100 23 ProeeipelWlthdraw Objection to Confirmolion of OebIO(. PI.n med by FIRST UNION
MORTGAGE CORP. (Anomey notified, no record of Objection being med) [EOO 06/26100) [SPI
08/\7/00 24 TRANSFER (ASSIGNMENT) ofcl.im #5, DIRECT MERCHANTS CREDIT CARD TO MAX
RECOVERY. JNC. IN THE A~IOUNT OF 54.874,95 [EOO 08/17100) (JC)
08/17/00 25 NOTICE to p."ies oftron.fer (m'lInment) of ct.im of DIRECT MERCHt\:'iTS CARD BANK,
NA METRIS COMPANIES, INC, OBJECTIONS DUE SEPTEMBER 6. 2000 Re: Item # 24,
[EOO 08/17/00J [JC)
09/08/00 26 OBJECTION to CI.im #5, DIRECT MERCHANTS CREDIT CARD BANK, N,A, METRlS
COMPANIES,INC, FILED BY DEBTOR [EOD 09/08/00) [JC)
09/08/00 27 ORDER fixing hcoring date on 11/13/00'103:00 P,M,.I FED.BLDG.. BKRPTCY CTRM,(3RD
FLR,), THIRD & WALNUT STS.. HARRISBURG.PA, 17108 Re: lIem # 26, [EOD09/08/00]
[SP)
09.'13:00 28 CERTIFICATE of service Re: Item # 27, [EOO 09:13:00) [JC]
10/06/00 29 ANSWER by MAX RECOVERY INC.. SUCCESSOR TO DIRECT MERCHANTS CREDIT
CARD BANK Re: Item # 26. [EOO 10/06/00] [JC)
10/06/00 30 PETITION for speci.1 .dmission (pro h.c vice) Filed by AI.ne A, Beckel. Esq, on behlllfofMax
Recovery, Inc" Successor to OirecI Merchants Credit Card Bank, [EOO 10/06/00) [CG]
ORDER APPROVING, [EOO 10/06/00) [CG]
11113/00 3\ PROCEEDING MEMO: conference held, counsel 10 me an amended plan, Re: lIem # 26, [EOO
111\3/00] [CL]
12/07/00 32 CERTIFICATE OF MAILING RE: NOTICE ON CHAPTER 13 PLAN AMENDMENTdue on
06/26/00 Re: lIem # 20, [EOO 12/07/00] [JC]
12/07100 33 ORDER confirming amended plan [EOD 12/07/00] [lC]
01/17/01 34 STIPULATION by PARTIES RE: TRUSTEE'S INTENT TO FILE A MOTION TO DISMISS
[EOO 01117101] [JC]
APPROVED by the court, [EOO 01/17/01] [lC]
041\6/01 35 CERTIFIeATE OF DEFAULT Re: Item # 21. [EOD 04/16/0IJ [lC]
04/27/01 36 ORDER granting relieffrum stay Re: Item # 7, [EOD 04/27/01] [JC]
051\6/01 37 CERTIFIeATE OF DEFAULT Re: Item # 34, [EOD 05/16/0IJ (JC]
OS/21/01 38 NOTICE to creditors tl,at answers/objeclions aredue on 06/07/01 Re: lIem # 37, [EOO OS/21/01)
[JC]
Printed: 06/04/0113:11:31
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06104/200113:11:31
PACER La In: fi 39 Clltnt Codt:
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In The Court of Common Pleas of
Cumberland County, Pennsylvania
First Union Mortgage Corporation
Slb/m to Signet Mortgage Corporation
VS
William D, Hesse
Writ No, 1999.2121 Civil Term
R. Thomas Kline, Sheri IT. who being duly sworn according to law, stUles this writ
is returned STAYED pursuant to instructions from Attorney Frank Fedennan,
SheriIT's Costs:
Docketing
Surcharge
Posting Handbills
Law Library
Prothonotary
Share of Bills
Mileage
Levy
Advertising
Certified Mail
Poundage
Postpone Sale
Law Journal
Patriot News
30,00
20,00
15,00
,50
1.00
25,66
8.45
15,00
15,00
1.13
14,59
20.00
270,05
lli.21
$744,15 paid by allomey
Sworn and subscribed to before me So ~~w~ ~
..... '~~?"""""<::-7~
This~dayof ~ l .
n, R, Thomas Kline, SherilT
2001,A.D,~......, a. fiw'p'o" I#' Byf7/vI/JS;~
Prothonotary Rel;1 Es~ Deputy
\ ,~"D
ue. 3'-1893
e...,. J/1:i3{
4, Name and address of the last recorded holder of every mongage of record:
NAME LAST KNOWN ADDRESS (If address cannot be
reasonably ascertained, please so indicate,)
MEMBERS FIRST
FEDERAL CREDIT
UNION
5275 EAST TRlNDLE ROAD
MECHANICS BURG. PA 170SS
HOUSING FINANCE
AGENCY
2101 N. FRONT ST.,
HARRISBURG, PA
5, Name and address of every other person who has any record lien on the property:
NAME LAST KNOWN ADDRESS (If address cannot be
reasonably ascenaincd. please so indicate,)
None
6, Name and address of every other person who has any record interest in the property and whose
interest may be affected by the sale:
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
925 ORRS BRIDGE ROAD
MECHANICSBURG, PA 17055
Domestic Relations of Cumberland
County
13 North Hanover Street
Carlisle, P A 17013
Commonwealth of Pennsylvania
Department of Welfare
PO Box 2675
Harrisburg, PA 17105
I verify that the statements made in this affidavit are true and correct to the best of my personal
knowledge or infonnation and belief, I understand that false statements herein are made subject to the
penalties of 18 Pa, C,S, See, 4904 relating to unsworn falsification to authorities,
June 4,2001
DATE
t~ 1-tt~
FRANK FEDERMAN, ESQUIRE
Attorney for Plaintiff
"
FIRST UNIOS ~IORTGAG.: CORPORATION, S/D/M
TO 51(;Nt:T ~IOln(;AGt: COIU'OJ{,\ Tf();>;
PlolnWr,
Cl;~lD.:J{I.ASD COUNn'
No, 99.1111 CIVIl.
v.
WII.I.I.\.\I 0, UESSE
Dcrend.nll.),
June 4, 2001
TO: WILLIAM 0, HESSE
925 ORRS BRIDGE ROAD
MECHANICSBURG, P A 17055
"THIS FIRM [S A DEBT COLLECTOR A ITEMPTING TO COLLECT A DEBT AND ANY [NFOR."lA TION
OBTAINED W[LL BE USED FOR THAT PURPOSE, IF YOU HAVE PREV[OUSI.Y RECE[VED A DISCHARGE IN
BANKRUPTCY AND THIS DEBT WAS NOT REAFFIR~IED, THIS IS NOT AND SHOULD NOT BE CONSTRUED
TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONL Y ENFORCEMENT OF A LIEN AGAINST PROPERTY,"
Your house (real estate) al925 ORRS BRIDGE ROADMECHANICSBURG, PA 17055is
scheduled to be sold at the Sheriffs Sale on SEPTEMBER 5, 2001 at 10:00 a,m, in the Cumberland
County Courthouse, South Hanover Street, Carlisle, P A 17013, to enforce the court judgment obtained
by FIRST UNION MORTGAGE CORPORATION. S/B/M TO SIGNET MORTGAGE
CORPORATION (the mortgagee) against you, If the Sherifl's sale is postponed, the property will be
relisted for the DECEMBER 5, 2001 Sheriffs Sale,
NOTICE OF OWNER'S RIGHTS
YOU MAYBE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sherifrs Sale, you must take immediate action:
I. 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, ifthe 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 attomey 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 attomey,)
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER
RIGHTS EVEN IFTHE SHERIFF'S SALE DOES TAKE PLACE.
I. If the Sherifrs Sale is not stopped, your property will be sold to the highest bidder, You may
find out the priee bid by calling (215) 563-7000,
2, You may be able to petition the Court to set aside the sale iflhe bid price was grossly
inadequate compared to the value of your property,
3, The sale will go through only if the buyer pays the Sheriff the full amount due in the sale, To
find out if this has happened. you may call (717) 240-6390,
4, If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the
property as if the sale never happened,
5, You have 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 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
this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the
Sheriff within ten (10) days after the distribution is filed,
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 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 ATTORNEY REFERRAL
CUMBERLAND COUNTY BAR ASSOCIATION
2 LIBERTY AVENUE
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013
(717) 249-3166
(800) 990-9108
. .. .
WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEAL TH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO __99~2121 CIVIL 1~ TERol
CIVIL ACTION, LAW
TO THE SHERIFF OF __ __-<:\llll:lerlanQ._______COUNTY
To satisfy the debl. Interest and COSfS due _ Firs~_Yn~()l!_~r.!:ga!l~.Corporation, S/B/M To
__--Pignel;.. t-brt~~__CO!PO~Ilt:.iE~ ______________ PLAINTlFF(S)
Irom .!I.!l.!ill1!~~ Hesee~ 9_25_~~_ Bridg~_~ '- r-le<:~~ic:sbur<J, ~_1.?~~~___.
OEFENDANT(S)
(1) You are directed to levy upon the properly of the delendant(S) and to sell See Legal Description
(2) You are also directed to attach the properly of the delendant(s) not levied upon in the possession 01 _
GARNISHEE(S) as follows:
and to notny the garnishee(s) thai: (a) an attachment has been issued; (b) the garnishee(s) is/are enjoined from paying any
debt to or lor the account 01 the delendant(s) and Irom delivering any property 01 the defendant(s) or otherwise disposing
thereof;
(3) If propertyofthe defendant(s) not levied upon an subject to attachment is lound inthe possession of anyone other
than a named garnishee, you are directed to notily him/herthaf he/she has been added as a garnishee and is enjoined as above
stated,
Amounl Due $l25,048.37 L.L.
from 6/23/99 to 97~/Ul
Interest (["'r iH =-$'0 %) $1 E;. 550. BO and Costs Due Prothy
Atty's Comm % Other Costs
$.50
$1.00
Atty Paid
Plaintiff Paid
$763.64
Date: June 8 , 200l
Curtis R. Long
Prothonotary, Civil Division
/2(}/>, P mo/)",,>-, <..-/
( D.pu~
-by'
REQUESTING PARTY:
Name Frank Fedennan, Esq.
Address: One Penn eenter at Suburban Station, Suite 1400
Philadelphia, PA 19103
Attorney lor: Plaintiff
Telephone: 2l5-563-7000
Supreme CourllO No, 12248
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