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Home My WebLink About99-02311 "i; ~$~C' :,;i.~:. _ :~7 ~ A:tt "::,,'. :;~ ~~;:'. ~ '1 ~ ~. ..i ;ito, . '.. ;;H ::~ ~~ '\~ }~/t j.. .i:: t~ ~ ...""., ,::i' ,~.. i,""',.. . ,; "" ....~ '( " \l F - ". .,; :) ~. - ' .. CJ - - ft) '"' " ' , ..'a- "0'" , STATE OF PENNSYLVANIA, COUNTY OF CUMBERLAND f 55, I, ______ __.____~~~!!_L~_.?.!!8..1_'!.;:_ __0000_ _nn...... ..00 __ __. _ 0000 _. __n.n '.00 Recorder of Deeds in and for said Counly and Slale do hereby cenily lhat Ihe Sherifr. Deed in which ___n______nn_ u S BAnIU:I.llt.!_MaOl:_.:tl:.1lI.A.dt.<L9:.l-:91L(Ho__t4ui.tl1_Lll.ao..Il:us.t._l9.9JI:::1)_n__0000 io Ihe grantee lhe same having been sold 10 sa.id granlee on the nn______....L.n__n____nn_n_________n_ day of nn_nn__ntl.!l_'-<;;b_n____n__nn__n__ A. D., ti...200D.., under and by vinue of a writ_n_n_n___u Ex'!.~!!!_~'!!.'nnn_nnn_n__n___ __00_ __n_ ____00_ wucd on the nn_~~_I:!.__n____n_ ____n ___________ clay of n~y.ll.~!!~_n_.n____n_oo_ A, D., 19_2~_n, oul of the Coun of Comman PI... of said Counly.. of ___.______.____nn._~!yj._l"n.. .__00__________00_ __n____n_nn____oooo___ __ 00__ _ Term, 19002.\1_00 Number _~3.1L___nn' at the .uit 01 n!!__~_~!'!'~_!.l.!'_t_L~....~~~__I:LyL~_~~_<!_~:-)_-:2L_____________. _!!P.!'!.'!._~.!I..'!!~LI,,!U);:_!.lt~~=.J.)____ against___J~!~.P_'!;;g..M.UU.~!.1!l.'!_tl_.!1.qQ!lj!.x________oo_____ io duly recorded in Sherifr. Deed Book No. _.?..l:L__n__' Page ..!.9-4.Loo__' IN TF.STIMONY WHEREOF, I have hereunlo ..I my hand and seal of sa.id olli.. thio _~!d..__ clay of ___...1.bt{_____umoo_ A. D~ ~.;.;'_!'_~ ~~JijJi;:;,ti:~~ ....." IIIldI, t I ,r.4llM1r.e.tIIt, III ""1 . " ~1llI""""__ f.~" U,S, Bank National Association TR UtA dtd 4/1/98 (Home Equity Trust 1998-1) .vs. Richard M Mooney and Dianna M. Mooney In the Court of Common Pleas of Cumberland County, Pennsylvania No, 99-2311 Civil Term Richard E. Smith, Deputy Sheriff, who being duly sworn according to law, says on September 30,1999 at 8:30 o'clock A,M, EDST, he posted a copy of Real Estate Writ Notice Poster and Description on the property of Richard M, Mooney and Dianna Mooney located at 927 North West Street, Carlisle Cumberland County, Pennsylvania according to law, Shannon M, Sunday, Deputy Sheriff, who being duly sworn according to law, says on August 13, 1999 at 8:45 o'clock A.M, EDST. she served a true copy of Real Estate Writ Notice Poster and Description in the above entitled action upon one of the within named defendants to wit: Richard M, Mooney by making known unto Richard Mooney at 927 North West Street, Carlisle, Cumberland County, Pennsylvania, its contents and at the same time handing to him personally the said true and attested copies of the same. Shannon M. Sunday, Deputy Sheirff, who being duly sworn according to law, says on August 13, 1999 at 8:45 o'clock A.M. EDST, she served a true copy of Real Estate Writ Notice and Description in the above entitled action upon one of the within named defendants to wit: Dianna Mooney, by making known unto Richard Mooney, husband at 927 North West Street, Carlisle, Cumberland County, Pennsylvania, its contents and at the same time handing to him personally the said true and attested copies of the same. Richard E. Smith, Deputy Sheirff, who being duly sworn according to law, says on September 30,1999 at 8:30 o'clock A.M. EDST he served a copy of Real Estate Poster in the above entitled action upon one of the within named defendants to wit: Richard Mooney, by making known unto Richard Mooney at 927 North West Carlisle, Cumberland County, Pennsylvania, its contents and at the same time handing to him personally the said true and attested copy of the same. Richard E, Smith, Deputy Sheriff, who being duly sworn according to law, says on September 30,1999 at 8:30 o'clock A.M. EDSDT, he served a copy of Real Estate Poster in the above entitled action upon one of the within named defendants to wit: Dianna Mooney by making known unto Richard Mooney, husband at 927 North West Street, Carlisle, Pennsylvania, its contents and at the same time handing to him personally the said true and attested copy of the same. R. Thomas Kline, Sheriff, who being duly sworn according to law, says he served the above Real Estate Writ Notice Poster and Description in the following manner: The Sheriff mailed a notice ofthe pendency of the action to one of the within named defendants to wit: Richard M. Mooney by first class mail to his last known address 927 North West Street, Carlisle, Cumberland County, Pennsylvania. This letter was mailed under the date of October I, 1999 and never returned to the Sheriffs Office. R. Thomas Kline, Sheirff, who being duly sworn according to law, says he served the above Real Estate Writ Notice Poster and Description in the following manner: Tile Sheirff mailed a notice of the pendency of the action to one of the within named defendants to wit: Dianna Mooney by first class mail to her last known address 927 North West Street, Carlisle, Pennsylvania. This leller was mailed under the date of October I, 1999 and never returned to the Sheriff's Office, R. Thomas Kline, Sheriff, who being duly sworn according to law, says that after due and legal notice had been given according to law, exposed the above described premises at public venue or outcry at Courthouse, Carlisle, Cumberland County, Pennsylvania on March 1,20000110:00 o'clock A,M, and sold the same to Attomey James Flower for V.S, Bank National Association TR UtA dtd 411/98 (Home Equity Loan TrustI998-1),1l being the highest bid and best price quoted for the same V, S, Bank National Association TR UtA dtd 4/1/98 being the buyer in this execution paid to Sheriff R. Thomas Kline the surn of $ 651.85 it being costs, Sheriff's Costs: Docketing Poundage Posting Bills Advertising ACknOWledging Deed Auctioneer Law Library County Mileage Certified Mail Levy Postpone sale Surcharge Share of Bills Law Journal Patriot News Distribution of Proceeds Sheriff's Deed 30.00 12.78 15.00 15.00 30.00 10.00 ,50 1.00 6.20 .74 15.00 20.00 24.00 23.63 173,75 222,75 25.00 26.50 $ 651.85 pd by ally 3-15-00 Sworn and Subscribed To Before Me ~~ -t:?,R~ R. Thomas Kline, Sheriff This~Day of ~~ at::::. . J fl. ~ By._ ...~ 2000, A.D. Q~, ~ . . Real Estate Deputy Pr th notary ~ ~~ 3P.vJ}1l ). CA~ J7'1)7 \ K.'i3('3~ \ . . 3, Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Borough of Carlisle Water & Sewer Dept, 53 W, South Street Carlisle, PA 17013 Darlene Moyer, Tax Collector Capital Tax Collection Bureau 19 S. Hanover St. Carlisle, PA 17013 Cumberland County Tax Claim Bureau 1 Courthouse Sq. Carlisle, PA 17013 4. Name and address of the last recorded holder of every mortgage of record: U.S. Bank National Association TR U/A dtd 4/1/98 (Home Equity Loan Trust 1998-1), Plaintiff 111 E, Wacker Drive, Suite 3000 Chicago, IL 60611 Commercial Credit Corporation 6520 Carlisle Pike, Suite 155 Mechanicsburg, PA 17055 5. Name and address of every other person or entity which has any record lien on the property: None 6. Name and address of every other person or entity which has any record interest in the property and whose interest may be affected by the sale: None 7. Name and address of every other person of whom the Plaintiff has knowledge who may have an interest in the property which may be affected by the sale: Tenant/Occupant 927 North West Street Carlisle, PA 17013 Cumberland County Domestic Relations 13 N, Hanover Street Carlisle, PA 17013 ..J< I verify that the statements made in this Affidavit are true and correct to the best of my personal knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa,C.S. Section 4904 relating to unsworn falsification to authorities. Date: l\ugust 2, 1999 THE LAW OFFICES OF BARBARA A. FEIN, P,C. BY: ~ Krist n J, DiPao 0, Esquire Attorney I.D. N . 79992 , . , . 2, You may be able to I3top 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 ~ 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 below on how to obtain an attorney) , YOU MJ,Y STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling Kristen J. DiPaolo, Esquire at (215) 653-7450, or by calling the Cumberland County Sheriff's Department at (717) 240-6390. 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 if the buyer pays the Sheriff the full amount bid in the sale. To find out if this has happened, you may call Kristen J. DiPaolo, Esquire at (215) 653-7450, or by calling the Cumberland County Sheriff's Department at (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 had 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 Philadelphia County Sheriff on or about thirty (30) days from the date of Sheriff's 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 sheet is posted. . COMMONWEALTH OF PENNSVLVANIA) COUNTY OF CUMBERLAND) WRIT OF EXECUTION end/or ATTACHMENT NO. 99-2311 CIVIL 19 CIVIL ACTION. LAW - TO THE SHERIFF OF CUMBERLAND COUNTY: TosallslYlhedebl,inlereSlandcoslSdue U.S. Bank NatioOlll Association TR UtA dtd 4/1/98 (Home Equity Loan Trust 1998-1) from Richard M. Bnd Dianna M. MoondY, 927 N. West St.. CarlisI.. PLAINTIFF(S) PA 17013. DEFENDANT(S) (1) You are directed 10 levy upon Ihe property of Ihe defendanl(S) and 10 sell R..al property located at 927 N. West St., Carlisle PA 17013. (S.... attached legal description) (2) You are also direcled to anach Ihe property ollhe delendant(s) nol levied upon In the possession 01 _ GARNISHEE(S) as follows: and to notny the garniShee(s) that: (a) an attachment has been issued; (b) the garnlshee(s) IS/are enjoined from paying any debito or for the account of the defendant(s) and from delivering any property of Ihe defendant(s) or olherwlse disposing thereof; (3) If property of thedefendant(s) not levied upon an subject 10 anachment Is found Inthe posseSSion of anyoneOlher than a named gamlshee, you are directed to notify himlherthat he/she has been added as a garnishee and Is enjoined as above stated. Amount Due $55,181. 55 L.L. Interest from 6/7/99 $1,705.16 Due Prolhy Any's Comm % Olher COSls Any Paid $115,18 Plainlfff Paid Date: August 9. 1999 CURTI R. LONG $.50 $1. 00 by: Address: REQUESTING PARTY: N Kristen J. DiPaOlo, Esquire alOe Suite 100, 425 Commerce Dr. Fort Washington PA 19034 Plaintiff Deputy Attorney for: Telephone: Supreme Court ID No. (215) 653-7450 79992 THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Rd No, 587. Roomued Mou 16. 1929 Commonwealth of P.nnlylvanla, County of Dluphln) ea Mich..' Morrow being duly sworn occording to law, deposes and says: That he II the Assistant Controller 01 THE PATRIOT.NEWS CO., a corporation organized and existing under the laws 01 the Commonwealth of Pennsylvania, with Its principal olllce and place 01 business at 812 to 818 Market Street, In the City 01 Harrisburg, County 01 Dauphin, State of Pennsylvania, owner and publisher of THE PATRIOT.NEWS and THE SUNDAY PATRIOT.NEWS newspapers of general circulation, printed and published at 812 to 818 Market Street, In the City, County and State aforesaid; that THE PATRIOT.NEWS and THE SUNDAY PATRIOT.NEWS were established March 4th, 1854, and September 18th, 1949, respsctlvely, and all have been continuously published ever since; That ths printed notice or publication which Is sacurely attached herato Is exactly as prlntad and published In their ragular dally and'or Sunday and Metro edltlonsflssues which appearad on tha 26th day 01 October and the 2nd and 9th day(s) of November 1999. That neither he nor said Company Is Interested In the subject malter 01 said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That he has personal knowledge 01 the lacts aforesaid and is duly authorized and empowered to verily this statement on behalf 01 The Patrlot.News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board 01 director of the, Id Company and subsequently duly recorded In the olllce for the Recording of Deeds in and for said Coun of auph n in Miscellaneous Book'M', Volume 14, Page 317. - ~ Notarial Seal TeTrY l. Russell, Notary Pu 'c Hafll5burg, Dauphin County My Commission Expirf'!S June 6. 2002 Member. Penn::;yl<Jar:lil I'. s$ocinllon 01 Nola las mmisslon expires June 6, 2002 CUMBERLAND COUNlY SHERIFFSOFRCE COUFmPUSE CARLISLE, PA. 17013 Statement of AdvertisinQ Costs To THE PATRIOT.NEWS CO., Dr. For publishing the notice or publication attached hereto on the above stated dates $ Probating same Notary Fee(s) $ Total $ 221.25 1.50 222.75 By.................................................................... PROOF OF PUBUCA TION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 STATE OF PENNSYLVANIA : ss, COUNTY OF CUMBERLAND : Roger M, Morgentbal, Esquire, Editor oflhe Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodieal for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: :. OCTOBER 22, 29, NOVEMBER 5, 1999 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. JIEAL ESTATE SAU; NO. 22 Wr1t No. 99.2311 CIVl1 U.S. Bank NaUonal AssoclaUon TR UIA dtd 4/1/98 (Home EquIty Trust 1998-1) I I I Atty.: KrIsten J. DiPaolo , ALL THAT CERTAIN lot of ground I sUuate on the east side of North West I Street. In the Borough of Carlisle. I County of Cumberland and State of , Pennsy1vanJa, between E and F Streets. , bounded and described as follows: . On the west by North West Street: on the north by No. 929 North West Street; on tile east by an alley: and on the south by lot of ground for. merly of Marcus A. McKnlghl.later of Harland StJckel. and having a front- age on said North West Street of 25 feet and extending eastwardly at an even Width a distance of 190 feet to the aforesaId alley. and having there. on erected Ute them one half of a wel ouse known and designated as No. 27 North West Street. '" BEING the same premJses 'which Donald Y. Frysinger, Widower con- veyed 10 Richard M. Mooney and annn M. Mooney, by Dee 2/21/85 and recorded 2~ Deed Book 0-31 n:H!'e B. vs. Richard M. Mooney and DIanna M. Mooney rJU71~ Ro er M. Morgenthal, Editor SWORN TO AND SUBSCRIBED before me this --2-dayof NOVEMBER. 1999 NO~l'SE Corl~ots E. SNYDE~. Nota? Pub,", iii ill. ~~, Cumborlond Coumy, PA ., Comm'lII01l apt," March 5, 2001 I. ~ . . . REA..L ES7.j.T: :;.~.LE l'-if) 51.000.00 Ad''':mc~ ':OIU P~ld 8 /l 0 199 ,0\11:'" Assessed Valulltion S 2940,00 ~'RIT ",0. 99-2311 Civil U.5, Dank National ,Association Tr U/A dtd 4/1/98 ( Home Equity Trust 1998-1) VS Richard M. Mooney and Dianna M. Mooney 927 North West Street Carlisle, PA 17013 22 Kristen J, DiPaoli REAL DEBT I:\'TEREST 6/7/99 ATrs FEES \\ 1UT COSTS .J. TrY ESCROW LAfE CHARGE SHEWn COSTS Docke:ing Pounda,: Posling Sills Ad\'e:-:iling Acknowledging Ded Auctior.eer Law Library Co unry MiJeale CC:'l:>bil Levi' Postpone Sale Sur;hlll'ge 55.181. 55 1,705,16 115,18 39.00 12.78 15.00 15.00 30.00 10.00 .50 1.00 6.20 .74 15.00 20.00 24.00 Le;g~J SC:lI'cn .~.D\'ERTISr.-:G: L~''.\' JO\.!ni~i.I Patriol Sh~e of Bills Distribution of P.ocee:!s S' ,.. D ' r;~:-l;i s -=~=s 173.75 222.75 23.63 25.00 26.50 ST.-\.\.lPS Pa T.~nsfcr T:!;o; T""p or Boro Tr:!n;[:: Tax TAXES Tax Cleim Bureeu 758.31 218.29 490,60 125.22 1999 County end Borough Texes 1999 School Texes Weter end Sewer 4 . NOTICE REQUIRED UNDER THE PAIR DEBT COLLECTION PRACTICES ACT, 15 U,S,C. I 1601 (AS AMENDED) AND THE PENNSYLVANIA UNFAIR TRADE PRACTICES ACT AND CONSUMER PROTECTION LAW, 73 PA, CON, STAT, ANN. I 201, ET SEQ, ("THE ACTS") To the extent the Acts may apply, please be advised of the following: 1, The amount of the original debt is stated in the Complaint attached hereto. 2, The Plaintiff who is named in the attached Complaint and/or its loan servicing agents are Creditors to whom the debt is owed. 3, The debt described in the Complaint attached hereto and evidenced by the copies of the mortgage and note will be assumed to be valid by the Creditor's law firm, unless the Debtors/Mortgagors, within thirty days after receipt of this notice, dispute, in writing, the validity of the debt or some portion thereof, 4, If the Debtors/Mortgagors notify the Creditor's law firm in writing withi.n thirty days of the receipt of this notice that the debt or any portion thereof is disputed, the Creditor's law firm will obtain verification of the debt and a copy of the verification will be mailed to the Debtor by the Creditor's law firm. 5. If the Creditor who is named as Plaintiff in the attached Complaint is not the original Creditor, and if the Debtor/Mortgagor makes written request to the Creditor's law firm within thirty days from the receipt of this notice, the name and address of the original Creditor will be mailed to the Debtor by the Creditor's law firm. 6. Written request should be addressed to: THE LAW OFFICES OF BARBARA A. FEIN, P.C. Attention: Kristen DiPaolo, Esquire 425 Commerce Drive, Suite 100 Fort Washington. PA 19034 * THIS LETTER MAY BE CONSTRUED AS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. . . . CIVIL ACTION -- COMPLAINT IN MORTGAGE FORECLOSURE 1. (a) The Plaintiff, U. S, Bank National Association TR UtA dtd 4/1/98 (Home Equity Loan Trust 1998-1) is a corporation having been organized under the laws of the The United States of America and having its principal place of business at 111 E, Wacker Drive, Suite 3000, Chicago, Illinois 60611, (b) The subject loan is being serviced by EquiCredit Corporation of America, itself being a corporation organized under the laws of the Commonwealth of Pennsylvania and having a principal place of business at 10401 Deerwood Park Blvd., Jacksonville, Florida 32256. 2. (a) The Defendant, Richard M. Mooney, is an individual whose last known address is 927 North West Street, Carlisle, Pennsylvania 17013. (b) The Defendant, Dianna M. Mooney, is an individual whose last known address is 927 North West Street, Carlisle, Pennsylvania 17013. The Defendant, Richard M. Mooney, holds an interest property as both a Real Owner and Mortgagor. The Defendant, Dianna M. Mooney, holds an interest property as both a Real Owner and Mortgagor. If either of the above named Defendants is deceased, this action shall proceed against the deceased Defendant's heirs, assigns, successors, administrators, personal representatives and/or executors through their estate whether the estate is probated. (c) in the subject (d) in the subject (e) c ~ 3, (a) The residential mortgage being foreclosed upon is secured by property located at 927 North West Street, address within the Borough of Carlisle, Cumberland County, Pennsylvania, lb) All documents evidencing the residential mortgage have been recorded in the Recorder of Deeds' Office in Cumberland County, Pennsylvania, (c) The Mortgage was executed on September 22, 1997 and was recorded on October 23, 1997 in Mortgage Book 1411, at Page 997. (d) The legal description for this parcel is attached and incorporated as Exhibit "A" (Mortgaged Premises) . (e) The herein named Plaintiff has standing to bring the instant action by virtue of Assignments of Mortgage, duly and publicly recorded as below: Assignor: EquiCredit Corporation of PA Assignee: U. S. Bank National Association TR U/A dtd 4/1/98 (Home Equity Loan Trust 1998-1) Recording Date: As Recorded (Assignment) Book: As Recorded At Page: As Recorded (f) By virtue of Pennsvlvania Rules of Civil Procedure Rule 1147 (1) and 1019 (g), and on the basis of environmental responsibility, Plaintiff is not obliged to append copies of the above mentioned publicly recorded documents to this mortgage foreclosure action. These documents are, however, appended hereto and incorporated herein by reference as Exhibit "B". 4. The mortgage is in default because the Defendants above named failed to timely tender the monthly payment of $494.18 on June 1, 1998, and thereafter failed to make the monthly payments. . . 7. (a) The attorneys' fees set forth as recoverable at Paragraph 6 (g) are in conformity with Pennsylvania law and the terms of the mortgage, and will be collected in the event of a third-party purchaser at a Sheriff's Sale ~, (b) If the mortgage arrears are to be reinstated or paid-off prior to the Sheriff's Sale, Plaintiff's actual attorneys' fees (calculated at counsel's hourly rate) will be charged based upon work actually performed. 8. (a) The original principal balance of the Mortgage is less than Fifty Thousand ($50,000,00) Dollars. (b) Under Pennsylvania's ACT 6 of 1974, Plaintiff Mortgagee is obligated to serve Notice of its Intention to Accelerate the mortgage obligation by certified and by regular mailing, prior to initiating foreclosure proceedings. (c) Appended hereto and incorporated herein by reference as Exhibit "C" are copies of the Notices required, having been sent on the date set forth on the Notice. 9. (a) The subject mortgage is governed by ACT 91 of 1983. (b) Under Pennsylvania's ACT 91, Plaintiff Mortgagee is obligated to serve the Defendants with notice of their rights under the "Homeowners Emergency Mortgage Assistance Program", by regular mailing, prior to initiating foreclosure proceedings. (c) Appended hereto and incorporated herein by reference as Exhibit "D" are copies of the Notices required, having been sent on the date set forth on the Notice. ALL THAT CERTAIN lot oferound situate on the east side of North West Street. in the Boroueh of Carlisle. County of Cumberland and State of Pennsylvania, between E and F Streets, bounded lUId described as follaws: On the west by North West Street; on the north by No. 929 North West Street: on the east by an alley; and on the south by lot of eround fonnerly of Marcus A. McKnieht, later of Harland Stickel, and havine a frolltaee 011 said North West Street of25 feet and extendine eAStwardly at lID even width a distlUlce of 190 feet to theaforcsaid lilley, and havine thereon erected the southern one half of a double frame dwelline house known and desienated as No. 927 North West Street. BEING the sllllle premises which Donald Y. Frysinller. Widower conveyed to Richard M. Mooney lInd Dianna M. Mooney, by Deed dated 2/21/85 and recorded 2/26/85 in Deed Book 0-31 palle 8. . EXHIBIT" I A .1,' >-.;':') ",:(,,<~:}:::ff: .J. J. Vwnll,'Ut T.h" .nl' hn...nncc. Suhlt:lll' ;ll'lllIlUhll: hw or 10 II ~1I1l(1l \till\l,;( lI)' (,1,;11I,14:1, l)ollO\\I:, Ih,dl 1M) 10 I.t:udt:. 01111"-' 11.1)' IIklllllillllJ.,IUCIlIIIIII: Jue 1iI111.,:. III": Null.:, 1I11111lhc Noh: It IlJullll (1111, J 11111I (."Ulk.I,.) (u, (..I )c.lIl)' Ill"" Ind iI~nmcnl, ",hll 11 m...y aUOIIII 11II1I"l)' 0\(1 Ilnl St:CllIllf hl'llIlII~lll ill U lI':ll olllhc: IJwP'=II), Ib) )1:.111) ICiuchold p;I)IIICllZl (of IlIIllnd JChlS on the 111ll1~ll)', If allY, (q leall)' l'ot/MiI of Ilfoj)l:rly 1II~llJiUICC PIl:lllhlllll, hll )'cilll)' nUOlJllliullUICl: P'ClIllIllUI, ,'.ny, h;) )elHI)' 1II001WlIN Illllllillk:1l prclllllllm, If Imy. .md (0 all)' "11111 p.l)ubl.: by nonO\\1:1 10 lcndu, illlCtOrditlw:.: "1111 Ihe ("'IVIIIOItI or p.uaglilph K. III It'll of 1114: Jlo'fllM:lIl or 1ll0rl~gIlIlIUl(JIKC PIl:U1illlllt 1'1110"= 11(111' arc Cilllcd ."~IOW Il':lll'- I.c'ld.:r Ill-I)', al ally lUlie, CUIlCd aluJ holtl Funds III 0111 lllllUlIlIl nOI 10 I:\'ccd IIIl.: IlIOIJlllllUIlI 1I111Ol1ll1 il kndel fur 01 h:d~rallr h:I,llcd 1II01111;'I:e 10.11I Il101)' ICt)lIlh:d (or 1I0uO\\Cr'lCM:IOW accuunllllld':f Ihe (l.'delll Rellll:lllh: ~~ IIlcll~llll'h),:cdllh" A" o( 1'J14 a, i1111':lIdl.:d (IUllIllllle 10 11IIli:, 12 use. 2""1 cl .ell ("IUiSl'A"J, ullleu 1I110lhcf law 111,1111111.11':110 the 1:1111I111(11 it Icncr lllllUllll1 Il w,I,clld..:r lllol)', alml)' 111I1":, ClIlleCltllld hold t'ulIl.h In an .lnouIII 1101 10 t:"'~l:ed tl.~ Ic>>I,', illllOllll1 l,(nd':llllOlY C,.lilll.lIC the IUllOllllI or "'1I111b t.h...: olllhe bitUli ol cllrrclIl dott.. lI11d reasolllAble cllunale. ,,( eJlll&:lldlltll~1 of lulllre EW:lIlw Ilclll't III ollu:nmc III accorlbll'~ \\1111 illllllk;;l,l~ J,II\' 'Ihe FUlldl ,110111 be: hd" III OIlIlIlli'lllIlIolI "hoM: dCJlO!IollJ, all: iU'"U:tl b)' il (ed..:ral ancllc)', ill'IUllII":UlillllY, or elllll)' (Illc:lUdllll tellder, If I.c:"''''r I' '1I1h illllll,.lllultOIlI or III all)' JI..:dClillllllllle 1.00111 lI.mlo. I.cndcr ,lllllI UPIII)' Ihe "'1111(11 III pa)' Ihe I:w:row Ilclll' 1,1:1l,l.:r 11M)' lIut I:h"'gc 1I0IIO"'CI ror hulthllg uml ill'SlIyilllllhl: t'llluh, :111111I;111)' all"I)"llll:llhIlC~'OI\ JlCCOUIlI, 01 \'CUftllllllllll "'crow HCIlIS, lilIlen "cllder p:1)'li 1I01l0\lcr Illl..:r..:,1 011 1111: Flllllls and upJllicabl1: 1.11\' pcrull" Lender 10 Ill.llke WK.!. u CIIO'fgC lllll..e\-Cr, LClIder lIlay ,equIII: norrowcr 10 pa)' It ollcHilllC chargc ror un indcpclllh:llll..:al ulllc lu reporling St.;n'lcc uscd llv I.c:nder in tOllnetlioll nilh Ilullol1l1, unlen applicable law pnll'ulcl olhcmisc Unlcu un oarcemelll is 1I1111k: or ,11'I,lu;:II,le I,I\Y re"uift:s iulereJ,I 10 be pOlld, l"':llder shall nol b; fl"lluhcd 10 pa)' UUIID\h:r un)' intcleJ,I or C<.lrninp 1111111C FundJi nnuoner and I"':lldcr may Rgrce iu wrlllllS, howc\'cr. IIUlI illlclesl J,hall b&: p..id on 1111: funds. Lcnd~r ,lJillJ ,:jyC ,nlJoIIUIl((, mlhon! charge, lut aflllllaf UCCOlllllillg orllle "'llllds, showing crcelils Dlld debils 10 Ihe FuruJlllnd Ihe Pllll"l~ (ur \Ihil..h cadllld.llllulhe Ilullds was lIIild..: Till: 1:II11ds 31": pledged as atldiliollal "-1;llril)' ror all IUlIlllCc:Urcd by 1111, Securil)' InSlrlllllelll If thc funds held b)' tcnde, exceed Ihe illnOtlnll perlllillcd 10 be hcld by npplicublc lilw, l.endcr IhulI ilCCOUlI1 10 Borrower (or 1111: (..1";1:51 Fllndl in i1CCord.IIICC willi the rCII"ill.:lIlCllIS Olllpplicnble law, Jr Illc 1I1l101ll1l o( Ihe Funds held b)' Lender al ally lime h nOl SUmciCllllO POlY Ille f:~ro\\' IIclIls \~hell due, I.ender lOity so notify Oorro\\'cr in writiuH, and, ill J,llch Cl$SC DOflone' ,IUlII PolY II) lender Ihe UIIIOIlIlI necessary 10 lIIill.e III) Ille d.:lieicllcy, lIorrol\cr ~halll\lill.e lip Ihe deficiency in no 1lI0lC Ih""I"clve monthl)' Jm)'llIenls,lIll.ellllcr',. sole dIScretion Upon pa)'llICIII ill full o( all SUlIIS iCcurcd b)' Ihis SCCIIIlI)' luslmmclII, 1.ellder $liall promplly rdulId 10 Uorro\\Cf imy Funds held by l,clIIkr If, um!er pamgrallh 21, I.cnder shall a'Cllliu: Ilr s..:lIlhe IJro()Crl)', Lcnd..:r, prior 10 Ihe acquisition or aalc ollhe Property, Ihallllpply UII)' FUIlIIJ, held by I.end..:r ill Ihc lime ul ilCllllISllioll or sale as it "edil i1gaill)1 lite IUInS secmed b)' this Set.:urity 11l!lolrUllICIIl. J. Allllllculilln ..r IluYlIIenlL Unless applicable lOll\' pro\'ldes 1l1hc:n"isc, ..II paYl1lenl5 receivcd b)' Lender under paragraphs I and 1 ,.hlllllll: aplllied. 1i'''I, III all)' ptclla)'llIcnl chargeJ, due 1Il1d~r Ihc NUle; 51.,:cond, 10 amollulS poI)'abl.:: IInder paragraph l; t/.ud, In inlCfcsl due; fllllrlll, 10 plilll,:i(\:llllllC; lIud lilSl, 10 Ull)' hllc charges due uuder Ihe Nolc 4, Chill'gc,; l,h~IH. 801l0\ler shaUllil)' alllilxcs, asscsslll":lll~, chalges, Iille5 and illlpoJ,iliolls 81Uiblllllble to llie Propelly ("IJropcll)' 'I';p.es") whidl llIay all:aill prioril)' o\'&:r Ihis SI:Clltll)' IUSIIIIIIlCIlI, uud ICllschold (I:1)'IIIC1l15 or groulld rcnls, il all)', IIl1lHl\IC' sll,llI pit)' l!lese ohhgiUiolls illlhe IlI,UIllcr pm\'illcd ill pamgmph 2, OJ ir uot polid ill Ihal mallllcr, Borrower Ihall pa)' Ihem ulI lilll..: dire"l)' 10 Illc penoll o\\'cll 1':t)'mCllI, Horrower shall prompll)' furniJ,h 10 lender all 1I0liccs or tlmOUllls 101 he Il:lId under thi~ Il:Uilgmph. rr DOlllmcr makes lhese pu)'mcllt~ dircctl)', norrowCt shall prolllplly fumish 10 I.emler rccdpls evidcncing Ihe pil)'mcllls, Illlhc C\'CIII BOUlI\\'cr fails 10 pa)' allY duc UIIIJ payable Propeny Taxes, l.cmler m8)', ill ils sule tliscrclioll, IlOl)' such charges anti add Ihe alllOlll1!S thcr..:or 10 IllI: principnllllllollllt oflhe loan 5CCurcd by lhe Sccurity Inslllllllclll on ",Iudl illler~sl shall accrue allhc eOlllrai:l rale sel ronb ill thc Nolc, Dorro\\cr ShillllllOlllpll)' dbdlllrge illly 11":11 which h.... plioril)' o\'cr lhis Sccutily Illsltlll1lcnllll1lcss Borrowcl: (II) agrees in wriling III lilc 11:1)'IllClll ullhe ubligilliou seclltcd br Ihe Iil.:lllll illllalmer acccplable 10 Lelldcr; (b) conl..:slJ in good railh the Iiell by, IIr Itcfclllls against ellfmCClIlClll of Ihe Iicll ill, lega1IlIUCl.'Cdlllgs which inlhe Ll:lId.:r'li opillion openllc 10 prCvclItlhe cnlorcclllclII of Ihe Iicll or fllrrcilLlrc or illl)' pilll llf 1111: 111"pCII)'; or (c) s..:cures rrolllllle holder of Ihe lien an ugrcemcnlsiltislilCIUl)'lO I,clldcr sllhnnhuallllg Ihl:licn10 Ihlll Sccuril)' IlIslllllllelll. If LClldcr dclelll1incs Ihalony pall of Ihe I'topcrty is subj..:. t Iu a lil:n nhidllllil)'IIU,llllluillrit)' O\'CI Ihi,. Scclllily InslnullclIl,l.elldcr may gi\'t: 1I0Ilo\\\:r 1I1l0licc idcntif)'ing Ihe licn, 1I0rruwcr Sllllll 5<llisly Ihe Iiell or lake OIlC Ilr mom IIf llic ilclions sel ronh above within 10 da)'s of Ihe giving of no lice, 5, 1I11:t:llrd ilr IlrllJlcrl)' Insurum'c. Ilorrowcr sh;11I keCI) IllIo: improvcllIcnlS now cxisling or hcrC'.Iner I:rl.'tlcd on Ihe Property hlsl"cll ag..ill~lloss b)' fir~, h;).lluds illClud&:d \\ilhilllhc h:11II "~"Iclldcd covcmHc., Ulld IIUY ollICr IWJlrdli, including flood5 or IhlOdillg, ror wbich l.cndl:r rClluin:s iUSllliUlCC, '11'1~ illsurancc shall be lIlaillliliued ill UI~ lI1110UIIIS und for Ihe peliods thai I cudcr requires, 'III&:: insllrance c:arrier Ilfoviding Ihc insurance slUlII be chosen by Borrower subjccllo Leudcr'5 approval \\hich shall tlUI be IIIltCOlSOllilbly wilhhchl Inlhc C\'Cul Oorro\\\:r fails 10 1Il1linlllinlw:tlud illsurunce (including an)' rcqllilctlllond insu,ance) iUlIll amollnl suOidcnllo satisly 1111 illdeblcdncss, (ccs,lInd charges owed Lender (in addiliolllO pa)'llIo.:nlllr allliclIS nml chur~cs which lIIay lIa\'c Plil'lil)' over I.elldcr's interest illlhe propert)'},. Lender UlIlY, in its sole di!IClclion, oblaill such inslllUll.:e nmnillg I.clld~r liS lIu: sole bcncricial)' (singlc inlereSl co\'Cruge), Lendcr llIay add an)' premiums IJaid (or such insurance 10 Ihc prillciral amolllllllf Ihe loan secured by Ihis Security Inslmmcnt on which intercst shallm:cllle nllhe COllltaCI rale ~cllorlh illlhe NOle, ((Borrowcr rails 10 mainlain coverage ~ribcd above, Lender may, al1.elllh:r's olllion, obtain ,ovcrage 10 IHOICl;I LemJer's righls llllhe Proper1)' in nccord:lIlCJ: willi p<&Jllgruph 7. All insurance pulicies IInd rellewals 511:111 be acccplahle 10 l.cudcr and shull include: II sllImlard mOI1Bllge claU5C. Lender shall ha\'e Ihc ri~htto hold Ihe policics and rencwals, If Lendel rcquires, Borrower shull promplly give 10 Lclldl:r, all rcccipts orpilitl prCmiUI1I5 and rcncwulnoliccs, In the cvelll or loss, norrower shall give prompt nOliee 10 Iht: illsurilllee carricr and Lender, I.clltlcr IMY make proor or Inss ifl\olmadc promptl)' hy Borrower, , Unless Lender 11l1lllJonowc, olhemisc agree ill wriling, insufilllce Iltocceds shall be applied 10 fCSloration or repair of '" tlte Propcrt)' damalted, if Ihe restoralion or repair is CCollolllil:ally rea..ible mId Lender's securilY is 1101, h:sse.'lCd, If ibc resloralioll or rCllUiI is 1101 cconomically rcasible or I.cndcr's seellrily would be lessened, Ihe insurance proceeds shall be.., ." "l'l applicd to the SUlIIS sccured b)' Ihis SecurilY IlIstrumelll, whclher or lIIlllhclI due, with IIl1y excw paid 10 Borrower,', l.e' Borrower abandons Ihe Property, or docs not answer wilhin 30 dllYS it nOliC!: frOIl1 Lender Ilun Iltc insuranCe carrler,has ,), ~\:::r~~~~:~~ \: C:i:;'::':::~:'~::~,~ ~;a;h~;I~~~,,~:~y i:~:::~,~~:'~:~;'~~:ci::'~:; ::::~ ~~,~I~r:;~;o;,::r\~~I'::~ '~:'~"'!lt,l t'unn#~1MPt\{'1')71 1'_&\1211(" ..r , . . 1411 t .9ng ~ '~,J!jfi: BM fAC iI... ,\"1'1~ . '::~:,"?~)4l .,. Ulllcnl.cnd.;r JIIII RmlUWCf utl,"",,,.c "fte In MlIllrlC. .wy oIptlh\:,lUOII or 1"01,;4.'(101110 PWk;lllilllhall nOI c-'h;nd or po.Jpllllclhc due lUll: 14'1111: mon,Il11 piI)IIk:IlU IdcflN hI III J1;lIo11Iol'lh. Illlld 1 Uf ,lwllKe llilllUllUUll1 o(llk: 11.1)111(1111 II undu II.ul&rapll )1111\1 PIl'lll,;'ly ""tllllred b)' I ender. 1l011O\\!:'" ",hi I 10 Iny In'Ufal1~C poh'I~' .llId plocccib rClullllla& (,0m d.unaac '''lhe PllI(lC'I) puo, lu lie '~llU"IW.1 .h.&l1 poIu hi I cl~r 10 the Ulenl or the IUllIl "'vfed by lhia Sclo:UIII)' Instrument inunedllldy pilot 10 Ihe acqU"llIull 6. O((UII"II",. Prtten"lon, MaIrUcn..rc .nd 11rolccUun o( Ihe PropCr1}; Bnrrmu:r', (.olin A'lldlullulI 1.c..rboldL OoUU\\t.:f ,110111 ~\lI'Y, 'Il.wlllh. alld ilK Ihe Ilw('ICn)' II Horrowc,', prlllciPilI fCildI,:ncc \Hlhin li\!)' d.I)' IIRer Ihe uccullon of ihit Seelllll)' I..,lonllenl imd ,1\0111 (olllumc 10 Ol.:..:upy Ihe 1IlUIlCI1y as lJoflo~er's P"llclllOllre."lcnc..: for 111""1 one )'eilr ;IIICI Ihe d,lIe of ""IlIIJI1l.Y, IInlc.. tClwk. ulh~I~IW: illtlce. III \~'r.liIlK, ",hh.:h COII\CIII sllOllI nOI "'= unrusorubly wilhlk:lll, Ollllllcu c~tenWllll1" till;um.l.ucc:t cII.nl Mhli;h WIG IJC)OIK1IIMflI\\'cr'. cOlllrul Uorro"Cf shull 1101 deltro)', d.lnlo1lc o. illll'llir Ihe: PnlflCny, .llow Ihe Ilroj:k:uy hI dclCflUIIlIC, o' t:ollllllil "'intc: on Ihe Vlopeny, Uorru\\'et Iho1l1 be in Il.:f"lIlI If Iny fOlr~ihll": ..clio" 01 p.occcdlll&. Mhelhel mil or (,illlilloll. II ~gllllllut III Lendi:r'. _cod raull JI1dgmclll could mull in fOlfcUmc (II' Ihe Propeny or othel\\lloC 1I111cllally IIIIp;li. Ilia hen ,rCilled by Ihi. &"CuIlIY InslrumcUl or' Lcntkr', Kall1ty Inlcle51 1I0flowcI n"y cure such I ddilllll and rcinsMc, n. provid.:d in plllallraph III, by W1UllllS !laC lM:lion or proceeding It) tv: Ihlllli,Kd \\'Ilh . rlllms 11"'1, 1I11.cIl(kr'I loud r,lllli tklcrmimUlolI, 11I1."(ludcI rorreilure or Ihe UOtrOWCl'1 Illlcrcsllnthe PWI'ICflr or othcr nUlerlJlllIlp.llllUCnl or 1111: hCII ctt:alell b)" 1111. SiXulIIY Inslnulleut or l.ender'$ SCC\lfll)' inlercst Dolfo\\'cr shall be In defaulllr Uoflu\\'cr. dUfllllllht: lOiln upt.hcallon proceu. GII\'e IIlaleflllll)' (Ollie or inaeemale inrormation or ~r;llenk:l1tl 10 l.ender 10' railed III JlfO\'Ide I.clltkr \\lIh nny Illlllcrial inrormation) III COlIllCCIlOll nidlllie lo.m l;\'idclIcuJ bJ' ,lie NlItC, ;IIctudwg. but not tUlllc..:lI to, f..:pre~lIlatllUls '0IlCI:1I1IIIg nor.O\\er', occupanc)' o(lflt: (I,opefly .ill a prinellMI rl.."!>>idencc tr Ifill SccUIII)' ll:.t.INlIll:nl II un a lell5&:hold, Douo\\er shall eOllllll)' wilh nil lht: prO\'i510nsorlhe ICl:I~. If IImrow~I IICqtliu:. ree IlIle lu.he 1)IUI)(rl)', the 1~I~hold .md the (I.OC 1I11i: shall nOllllcrgc ullh:SJ under larw 10 .he mefllcr in \"rilina:. 7. Prolccllllo or I..:odcr'. RI!:"" In .hc ProllCrlli Mort:ICc Inlurancc. Ir DOflowcr rails 10 pe.rorm Ihe to\'enanll and agrcclUt:nll conLllncd illllul S",UIII)' Iml,ullk:lIl, urllie.c II al.:goillJtocccding Ihalllla)' liSllinc.Ullly IIIT,,:d 1.endcr's righll illll~ Ilmp.:ny (meludlllg withoul IUIIII,uioll a IIIlX'ccdIllK UI boankruplcy, probale. condelllllo1tion or 10 enrorce olher laws 111111 rCI~lllllliolll), Ihen tend.:r 111,1)' do .1I1tl ~)' rill "1Ialc\c. i$ Jll:C&:lsal)' 10 praleellhe \'.lIue o( the Ilropcny and Lelldcr'~ rlllhli in Ihe P.upell)' III atldllloll, Ciralltor IMOIlllagor) t:o\"elUmll at alllllne! 10 d., illllhillg$ ncccuary 10 defend "ICIiII..: 10 all or Ihe Wid prop.:ll)', bullhi: Ikllcnclary (Morlgagec) Ihall h.m: Ihe right 111 any lime: 10 illlen'cne ill any ~lIil.llrcclillg such Iltle .lIId III ell1plo)' IIIdcpcmJ.:nl cOLIIIscl in conncclion "ith an)' slIillo which illilil)' b.: a pari)' by inlclVCllliolllll 1I1herwi!oc, ilud Upoll demilnd Groilllllr (MUIIg;lgOI) agrce$ (ilhcr (I) to pay Ihe Oeneflcial)" i111 reasollOlblc CJlpcn5C! raid Of incllucd by II Inre~pcct 10 all)' such $lIil alTt:!;lillg lill!: 10 all)' slIch IlIuPCrl)'. or afft:cliuG Ihc Ucnclieiary's (MOIIg;II:ce's) Iiells or righls hercuuder, includinG. r(llwlIablt: rCCiIO Ihc Ocncfiel;I'}'S (Mortgagee's) 1l1l0fll~)S or (2) 10 permillbc Ihldilllln of $11.:11 C:XpcIl5CI. cuslS, aud ullollle)"s rt:I.'S 10 1111: puncipal balallct: of the NOIc(s) sccured by litis Ileed orTrusl (t.111f11l,,/:e) 011 which il1lerC~1 shall accnw allhe Nole rale I.ender's Dclions ma)' illclull..: pa)'lIIg un)' !oIllIlS securet! by il lit:ll ",llIeh hlls priority O\'C' this Seeurily InslrumclIt. appearing In COUII,llolyillg It:a50lIilhle ullume)'!.' ree!.lllld elllerillg ulllhe !'tOperl)' 10 uUlkc fl:pairs Allhough lcnder 11I;1)' lake aelion under this lJalil~raph " Lendt:r docs not ha\'e 10 do so. An)' DIIIOUnlS didlllrSl.'\1 by I.~ndt:r under Ihls llarilgraph 7 shall becomc addiliolUll debt or norrower secured by Ihis Seeurily Inslrument !Jnles::! Oormwer llud lender agree 10 athcr lerms Orpa)'lIIellt, thcse allloullls shall bellr illle.csl rr<J1lI Ihe d;Ile or disbursement ill tlu: Nole ratc and shall be Il:1)'lIble. witll illtt:.CSI, upon 1I0lke from l.ender 10 BOllower reqllcslingpaymenl H. MOI1KlI~1' Inlllrllnrc. IfLclldt:r (c1luired 1II0rlg.lgc insurancc ns a condilion or making Ihe loan secllled by Ihis Security lnSlnllnCnl.lInrrowcr shall pay Ihe premiulUs required 10 1lI01inlallll1Le mortgage insurance in cfTcctulltil such tiUll: us the requirement fur Ihe illSllrJnCe terminates ill ilceord.lIlCc with norrower's .lIld I.ender's millen ugrcelllelll or applicilblc law, If, for nny rcaslln, Ihe Illorlgagc: insurance coverage rClllIIll:d by l.enrJt:r lapsc!i or ccase.s 10 be ill efrl.'GI, nOllower shall P3Y the premiums re/lulred 10 oblain co\'erage subslanliall)' eqlliv.llenllo Ihe marlgagc: insurance lueviousl)' ill erreCI, III II cost subslantially eflllivaklll 10 Ihe cosl 10 Dorrowt:r of Ihe lIIOflgagc iusurancc previousl)' ill t:rrcct, rrolll an ullernate ,"ollgage insurer allllllwell by I.cnder, If sub~lanljally cql1i\'alellllllollgage insurance covcmgc is nol a\'llililble, OOllo\\'l:r shall pay 10 Lender cllch Ulonlh a 'lUll cqu.1110 olu:-twclfih or Ihe )'early 1Il0rlgo1ge insurallce premium being paid by Borrower when the illSII!lIIlCC eo\'emge 1.lpscd or ceased 10 be ill effect. I.cndcr will accept, use Dnd relaillthese paYlllCIIl$ us a IllS! rcscrvc in Ii.:u ormorlgllge insulanee loss rl:St:t\'e p"ymcnls 11l3)' no longer be ll:quircrJ, ultlle option or Lender, if llIorl!:age insurance cu\'emgc (ill Ihe IUlIUUlIl aud for the period Ihat t.cnrJcr requires) pro\'idcd by all insurer 1IIlI1l0\'cd b)' Lender again becomes availabl..: and is oblailled. OOHower shall pa)' IlLc premiulIIs ,c1luired to I1lilinl.lin mortgage insurance in crrcCI, orin pro\'irJc a loss rescrvc, ulIlillhe rl.1111irelllcIlt rOt mllrlgilge insurance cnds ill accordance willi an)' w.iUell agreement bel\\'cen UOHower ilnd l.cndt:r or appliCilble law, 9. In11lecllllll. l.endt:r or its OI!:enl may make rc.lsouable cnllles upon aud inspeclions or Ihe PIOPCllY, Lender shall give BOHower unlice .lIthc lime of or prior 10 all inspection specifying rcasouable CllllSC {or Ille illSpl:Clioll III. Conllemllilllllu. The proceells of illlY aWiltd or claim fllr damages, direcl or cUlIscqucntial, ill cOllllcetion wilh illlY condcmnation or other Inking or UIIY pUrl of Ihe (lrol>CrlY, or ror eUn\''':Yill1Ce in Iiell or condelllnation. .ue hereby assigned and shall be paid 10 Lcnder. In Ihe cvenl or II IOlilllakillg of the Proj)Cny. the 1'1lIcced.!: sh:J1l be applied 10 Ille SllIllS sctllr,=d by this Sceurity Instmmcnt ""helber or not Ihen duc, willi .1lI}' CXCeSS paid Iu BOHower. In the C\'elll of :1 Il:ullallal-ing or Ihe PropellY, unless Dorrower ilUill.ender otherwise i!!:ree in wrilill!:, lhe Slims secured b)' Ihis Sccurily Insllulllclll sluIIl be rcduced by Ihe illllount or Iile pmcccds lIIultiplied b)' Ille rollo\\'illg fraction: (a) the 101,,1 .11I1011111 or Ihe Slllll~ securerJ iunllcdialcly before Ihe takin!:. di\'h1cd by (h) Ihe fair lIlar~el \'aluc or Ihc Properly immcdialely bcrore Ihc laking AllY balallce sl...1I be paid 10 Borrower, If Ihe Propelly is ullillldoned by BOHower, or ir, lifter nOlicc by l.cnder 10 nOllower tllo1llhe condelllnor ofr~rs 10 make an award or seule a elailll (or damages. 1Iorro\\er rails to respclnd 10 t.enrJer within 3U dll)'S llner the datc the lIotice is given, Lender is uulhorizelllo collecl and apply Ihe proceeds. at its Olllioll. eilher ror resloralioll or repair of Ihe Prollcrt)" or to the SlIlllS secured by this St:cllrily InslnJlnclIl. wllcthcr or not Ihelllllle Unless Lendt:r and AorrQwcr olhcrwise llgrcc in writing, llll)' llllplicillion of proceeds 10 prlllcipal shall nol e,'\lcnd or poslpone the due tlnle oflhc' mOlilhly paymcnls rererred to III flamgraphs I and 2 Ot Chilll!:C Ihe 1I1llOUlII of sllch IM)lUenls. Form #478 PA (~fl)1l no,JK1411 fACE.999 POI"c3 off! . ~. .1 J. Oorru\nr N~I lIeJultdj YOrbC'lIr"ICe ", bndet Nol II Wllln:r. 1!~ICllSlOI1 Or lhe lim.: (or paYlllenl or modlficDUnn or lIR10nl/ulUln or Ih..: Inms ICCllfCd by IIlIi SCCUflly 11I.'n1l1l1:1I1 Hfllnlcd lIy tender 10 uny 'UCl;cuor ill jlllch~'l vffJorrowcr shall nul oflCr;Uc 10 IcI~sc Ihe habdlly or the OIlMil1allJo'h)l\l:f .1Ilt! DOrrO\llll'. 11I!;(UW" in iUICfUI Lcnlkr 111,1111101 be tcquirctJ hI CUlIllUC:ncc proceedlnlls u",imlllll)' I.."cuo, ur illlele51 or n:(uw 10 '''lelld IlIn.: (or pa)"lIl':lII 01 olllemisc modify amOlllllllion of Ihe IUIIlS k:Cllfed by lhis SerufII)' IlulfIllllclII by JenSOIl of Blly dCIIUlld Ulild..: by 11u.: oflgillnl DOHowcr or lIurro\\cr'. IIICCC:JSOU Illlnlcu:s! AllY rlllbc:JnnCc II) telld!:, ill c.'(ercisiIlG ;tlly "ghl or rClll(dy sll;llI 1101 be II waiver of Oll'lcchlllc the c.\cu;i$C ufuR)' flglll 01 remedy n. SUCC~IIOI'I un II Aul,Kus Uounilj Jolnllnd Scnnll.lllbllll)'j (~o-"Knl:rL The CnVellanls and IIgr~elllenl' or Ilus Securil)' IIISllUIllcllI ,h,llI bind and bclldillhe 'IIL"(essors and Olnlgns uf Lend!:r ulld HOHoner. subjecllo Ihe pro\uions utp<lraHraph 17, IJorfl/\\'cr's CO\'cnalllS IUllt ogrcemcnU shall be joint allll ~~vefill AllY lloHu\\'~r \\110 co-sigus Ihls Sct;uril)' IrulnllllcllI bUI docs Uul CJ(cculc Ihe NOh:: (i1) is co-sIgnillg IIli. Sccmil)' 11ISIfIllllelll only 10 morlgnge, gmllt alld conve)' Ihal norrower's illh:re.\1 in Ihe f'ro(lCr1y under Ihe lellllS otlhis SI.'curUy Inslnllnelll. (b) is 1101 Jll,:rlOll;llIy obligillelllo pay Ihe SUllIS secured by Ihis S,;clIrily 11I1101l1lenl; and (c) ngrees Ihal LCIHJer lIud 1I11y olher Uononcr lliay IIgree 10 ellilend, modify, (orbellr or make any t\Ilu:r lIccomlliodaliolls wilh regard 10 Ihe ICUlls of Ihis Securily Inslrllmelll or Ihe Nole \lilboUI Ihat Dorrower's conscllt. IJ. l.nlln Cbllrl:el. It Ihe 10011 secured by this Seclluly rll~tnllncUI is subJecl 10 a IIII\' nhich selS lll11xillll1ll1lollll chllrGes, and Ihlll hi\\' is fi14111)' inlerprclel1 .\0 IIMI the ulle/csJ Dr 0/111.:1 loon clfilfgCS collccled or 10 ()c COIll:ClCtJ ill COflflCI.:,iol1 Wiltl IIle luau e~ceed Ihe pcrlllilled limils, thell (II) Ull)' ~u,h 101111 charge shall be reduced by Ihe allloulII Jlccessary 10 reduce Ill': charge In Ihe permilh:d IUllll; and (b) an)' sums 1I1really COIla:lcd from Borrower which exceeded pcrmiuc:d limits will II\: refunded 10 Doltower tcudel lllll)' cltoo~ II) llIilkc Ihis refund by reducing Ihe prillcifl<ll owed under Ihe: NOle or by lIInkUlg a duecl pa)lllenllo lIorrower, If II refulld reduces prim:ipill, Ihe reduction will be IreUled liS II par1ial prepayment wilhllulany pr~pnYlllcnl chargc under Ihe Nole U. Nollce.. Any notice la Borrower pro...idcd for in Ihis Secllnly Inslrumenl Shllll be givell by delh'erillg il or by llIailing it by finl C"Wi 1I111ess upplicable 1,lw 'L'quires use of anal her melhod. The nOlicc shull be duecled 10 Ihe Propcny Address or any ollll:r ih.lllrcss narrower dcsign.llc, by nOlice 10 l.ender. AllY nOlice 10 lcuder shall be given hy firlil class IUUUlo Lender', mldrc:ss slated herein or uny olher addrcsslender desiglliltes by lIolice 10 Borrower. All)' notice pro\'idcd (or illlhis Securily InSlrtllllCIlI shall be deelllcd 10 have been gl\'cn 10 BOlfower or tender nhen given as pro\idcd inlhis paragraph, IS_ Go\"crllinll I.I&\\'; Severllblllly. This Security Inslnnnelll shall be governed by fed~tlI1 law and Ihe la\\' of Ihe jurisdiclion ill which Ille Propeny is localed. Inl/lc evenl IllalallY provision or clallse or lhis Securily InslnllncllI or lite NOle confliCls Wilh lIJlpticable law. such COnnicl sh,,1I nol affect olh~r provisions of Ihis Secllrily Illslnllllelll or llie Nole which COln be given eUccl wilhoullhe cOllnicling provision, To this elld Ihe provisions of Ihi~ Securily tll1lnullCllt aud Ihe Note arc declared 10 b..: severable, 16. 80rrll"I:I", COJI)'. Horrower shall be givell one conforllled copy oflhe Nole and llflhis Security JUlilnullclII, 17. Transfer of the Prollctly ur II UCIICnclll1 'nlerelt In Uurcmycr. If all or allY part of Ihc Property or nn intcrest Iherein is solll or Iransferred by ll11rro\\'i:r (or ifbcneficial inlerest in Borrower is sold or IlllllSrCrred 1I11d Borrower is nol a natural perSall lIr persons bul is n corporation, parlnership, lrusl or olhcr leglll elllil)') \\illtOlll Lender's prior wrillen Consenl. excluding (a) Ihe creation ora licn orCllcumbranec subordinOlle to this Sr:cmily IlIslllllllent which docs 1101 relnle to a Iransfer of righls or occupancy in Ihe IlfOpcrty. (b) the creation of a purchase mUlle}' sccurily interest for household appliances. (c) nlrallsfer by devise, dcsccllt or hy operalion of law llpolllhe dealh of a joint lellillll or (d) Ihe grant ot any leasehold inlerest oflhree years or less nol cOlltilining nn option 10 pun.:lmsc, Lender lIIay. 1lIl~l1cfer's oplion, di:clare allthc sums secured by this Sceurily Inslnllllclltlo be iflllnedialely dlle illId paYllhle. If Lender exerci.;cs such option 10 accelcrale. lender shalllllail Borrower llolice of :lCe..:lemlioll ill accordance wilh pilragrdph 1-1 hercof. Snch nolice shall provid~ a period of 1I0tli:SS Ihan 3U dill'S fromllle dale Ille llolicc is mailed wilhin which Dorrower may llay Ihe sums declarcd due. If Ourrowcr fails 10 llil)' such sums prior 10 Ihc espiralion of such period, Lender may. Willlolll furthcr oolicc or dcmand on lIonowcr. ill\'okc llny rcmedies pcrmilled by pafllgraph 21 hercof. L.endcr may COllsenllo H sale or transfcr if; (I) Dorrower callSCS 10 be submiued 10 I.ellder illfoflllllliollrequired by Lender 10 evalullle 1111': Irausferec liS if a lIew loan wer!: being made 10 Ihe transferee; (2) Lcnder reasonably delcrmilles Ihat Lendcr's security will 1101 be impaired and IIHllIILe risk ofa brC<lch ofuny covenillll or agrcelllelll inlhis Sccurity InslOllllelll is aceeplllble; (3) illleresl will be paYllblc un Ihe sums secured by Ihis SeclIrily IllSlflllllClll HI a rulc aeceplable 10 lender; (-I) changcs in Ihe lerms nrlhe Nolc lIud lids Securily Jnslrumenl rcquired by Lcnder arc lllilde, iucluding, fur example, j)l:riodie adjuslment in the inlcresl mle, a dilTerenl final paymcnl dale for Ihe 10iln. IInd uddilioll of llllpaid i111ercst 10 principal; and (S) lbe transferee signs lIllllSsulllfllion ngreemcut IllaI is acceplable 10 Lender and 111lI1 obligilles IILe Iransferee 10 kcep all Ihe promises and agrecmellls mude ill Ih..: Nole and ia Ihis Securily 11Islmmcnl. as modiJicd if required by Lender. To lhe cxlelll pcrmiucd by nplllicilole law, tender also llI11y charge I! reasonnhle (ec as a condilion 10 lender's consent 10 lllly So11e or Imllsfer. Borrower will (;(llItillllC to be obliguled under Ihe Nole and Ihis Securily InSlnUIIt:ll1 U1lle~s Lender ri:ICllSes Borrower in wriling, 18, Borrtlwcl"s Ri~hl lu Rcinsliilc. If Borrowcr meelS ceflilill cOlldiliollS, Borrower shall have Ihe righl 10 ha\'c enlbrcemenl of this Secllmy lnslrlllnem discollliuued III auy lillle prior 10 Ih~ curlier of: (a) 5 dJlj's (or such olher periOd as applicable law lIIay 5j1ccify for rcinslalelll(lIt) beforc Sl.lle of the Propcrly pllrsuillll 10 .Ill)' power of sale cOlllilined ill this SecurilY Inslrumenl; or (b) enlry ofajudglllelll (nforcing Ihis SecnrilY 'nstnllllelll. Those COlllliliollS arc lhal Borrower: (;l) pays Lendcr llll sums which then would he tiue under Ihis Sccmily lnslnllllellllllld Ihe Nolc had no acceleralioll OCCllrri:t1, (b) cures any default of all)' ()IILcr cO\'enalllS or agrccments; ec) pays all expcn.'il:S incurred ill enforcing Ihis SeCllril)' Jnslrumenl. including, bul llollillliled to, rcasolluble lllll)tlleys' fees; lInd (d) lilkes such aCliollllS I.endl.:r lIIay reasonably reqllir~ 10 assure lhallhe lien of this Security InslnulIelll, Lender's righlS inlhe Property and Dorrowcr's obligulilllllU pa)' the sums secured tJ)' Ihis Sceurily InSlnllllCnl sludl Cominllc ullchanged. Upon fl:jll~llllCll1Clll by Horrower, Ihis Sccnril)' Instrument and Ihe uhligiltions secnred hereby shall remain fully erfecli\'c us if no llcceleralioll had occurred Howcver, Ihis right to reinslale shallnolllpply illllLe casc ofacceleralion IInder parllgraph 17. BO'k1-111rAdoaO Forni #478 PA (5/97) Pnge40f6 .,. .9. Sare or NOlr; Ch~nle or l.o.n Scnlnr. The N",JIC or a pltr1il&l imeresl Inlhc Nulc (lo,,(lh('I willi Ihl' Sccurlly 'nllrumen!) may be sold Olll: 01 llIore IlInCI wllhoUI prior nollce 10 1101I0\\'CI. A Iillc ilia)' rClul1 111 II "liR,C in the: emit)' (known U IIIe: -Loan Scrvkc,.) 11..11 COllet11 lIlonlhly pll)'Il1Cllls due under tile Note and Ihil Secullly It'IINll,,nl llw:rc 1110 tnay be one or lUorc ehllnses or Ihe I.oan Ser\'l'" unfelnled 10 II ulc: or the Nole. It there I, . dlln,c or Ih, looIn Serv.cer. Borrower Will be given ",dUcn lIotice or the dlange in accordance wlIh p.tlllaraph 1-4 UOO\'C: ud apphc.ble Iii"'. 1bc nollce wil1lfatc Ihe: f!llllle: anll addleSl (lr the new l.oan ServlCer "lid the addrcsllo which paymenl' should be mAde 11~ .lOlIee: will ,110 C()lllalll any olher Inrormation required by ar1phcablc: law 20. IIlnrdoul Suhslancrs. DOUUWCf shllllllol came: or IlI:fllllllILc prCiCllte, lise, disposal, "oragc, or relealC of Iny Jluardoul SUbillUICC. 011 or in Ihe l.mller1)'. Uonowcr .1111111101 do, r.or ulluw anyone else 10 do, IInythi1l8 ufTectillal1he I"opetly Ihnlll ill "Inllllioll of ally (!IWUOl1ll1Clllall.alV, The pu:ccdillK 1"0 ~IIICllCCfIi f1ihallllOllIllJliy 10 Ihe presence, UK, or Itorage on lhe PrnJlCII)' uf IlIwll quantitics o( lIawdolls Subslances 111011 ure gCllerally rlXogni/cd 10 be approplialc 10 normal reudenlial ulesand 10 msilllen.uee orllle Propen)'. Dorrower Ihallllfomplly give I.ender wrillen noUee of un)' invesligalion, claim, demand,lawlult or other ICllol1 by any lovernmenlll or relllhuory ngenC)' or privlIle pany Involving Ihe Properly lInd ally Jlu/.ardolll Subslance or l!llvironmenlill Law of which Borrower Iml IClual knowledge It Borrower lcorn., or Is uolified by any govcrlllllenlal or rcaulalOry aUlhorlty, that any removal or olll..:r remediulion of Imy lfal.1ldous Subslance aftecllnH Ihe Properly is nCCCSlIIl)', 80"0"er sball promplly take all nccessary rcmedi;ll aCllolls in accordance wilh Ellvirnmnenlall.u\V. As used in Ibis p;uagral1h 20, "Ila/.url!olls SlIbslallces"l1re Ihose subslllnces dc:fincLl as loxic or haitardoul sllbslilllCCS h)' Environmenflll Law :md tile (o!lowinS IlIbstanctl: sasoline. kcrosene. oilier OBlIIlIIlIble or IOllie pClroleum products, lo:o.;i.. peslicides and herbicides. \'Olalile salvelll', mlllerill) conlainillS asbeslOS or formaldehyde, Bnd radioacll\'e IUlllerials. As used in Ihls paragraph 20, "Envltollmenlnlluw" means federal law, aud Ihe laws of the jurisdiction where Ihe Propeny Is loc:aled tbat rclalc 10 henllh, safcly or cnvironmcnral prolcelion. NON.UNIFORM COVENANTS. Dorrower and lender funller covenunlllud agree as follows: 11. Accclcrlllllln; RClUcdlCl. I..cnder Ih.Ul:lvc nollC'e to norrower Ilrlur 10 aC'C'clerallon lolluwllll Dorrowe.... brclu:h of Iny covcnant or agreement In this Securlly Jnltnuncnl (but nol (1rlor to llC'cclcratlun under pllraltllph 17 unluI IIl1pllcable I:uv l"O,'ldcl ulherwlse). I.cnder Ih,1I noury Horruwer or, Ilmong olher Ihlng.: (II) the dcl:ault; (II) the Icllon required tll cun: the lIdaultj (c) ,,'hcn Ihe ddaull mUll be cured; and (II) that lallure to cure the dCrllUU ;;(1 spumed may rClull In Ilcceleriltlon or ehe lum. secured II)' ebb Security Instrument, (oreclosure by Judlcllll proceeding and IIIle of Ihe Prllperty. I.cmlcr shllll (urlher Inform Horrower of Ibe right to rcln.lale aller accelerJllon ami the rlghllo aucrt In Ihe foreclosure Ilrr.reedlnc Ihe non.edslelll:c 0111 dclllult or any other deCente 01 Dorrower Iu Iccch:rallno and foreclosure. I( Ihe ddllUl.11 nol curcd ill Slltclriedl Lender allls opllon may require Inlmedlllte paymenlln lull or III sums Iccured by Ihls Security hl_lrumenl wllhoul furlher demand and milY lureclmc tbls Seeurlly Inltrument lIy Judlcl:allll'oceedlng. l.ender 11I:a1l he cllllllcd to collect all elllenSt. Incurred In IIUrsulll~ the remedlu provld~d In this pllrll~r.ill,h II, Jncludln~. bnl nol IImiled lo,llllorneY'1 reel IInd COlli ollllle cvhlencc In the ellenl permllh.",1 by 1I1'IIIICIlhlc law, 11. Relulc. Upon I,aymelll of all sums si:curcd by Ihis Sccurily Inslnuncnl, Lender thall discharge Ihis Sccurily Instrumenl wilhonl charge 10 Borrower. Borrower shall pl.y any recordalion cosls. 2J. Wlllve". norrower, lu Ihe extenl pcrmiucd by appliCllble law. waives Dnd relenses Ilny error or defects ill proceedings 10 enfon'e Ibis Sccu,ity Inslrument, and hereby \V'JI\'es Ihe bencfil of any presenl or fulure laws providing fur Slay of execulion, eM!:'lIsioll of lime, exempllon from allachmenl, levy and sale. and homeslcad exemption. 1... RelnlllllelllclIl Period. IlorroYo'er's lime 10 reinstale provided in paragraph IK shall exlcnd 10 onc hour prior 10 Ihe commencemenl ofbj,lding at a sh~rifrs sale or olher sale pnrsnanllO Ihis SecurilY Inslrumenl. IS. Purchase Muney Mortgage. Ifany ofllLe debl s~ctuc:1I by Ihis Security ImHnulIcnl is lenllo Borrower to aC1lllirc tllle 10 Ihe Propc:r1y, Ihis Sccurily IIISlrument shall be u purChllS": money lIIorlgagc, 16. Inlerell Ilale Ancr JUI1l:melll. Ilorrower ullrces Ihullhc inleresl rale payahle after ojudgmcnl is enlered on Ihll Nole or in an aelioll of 1II000gage foreclosurc shall be lhe rale paynble from lime 10 lime uuder Ihc Nalc, 17. RIders to Ihls Securlly Inslrument. If one or morc ridcrs arc execuled by Borrower nnd recorded logclher willi this Securily Instnllllcnl, Ihe eO\'cllanlS and Ilgrcelllenls of each such rider shull be incorporated huo and shall amend alld supplemenl Ihe eO\'ClInnls and ngrcelllenlll of Illis SccurilY IlIslollllelll liS if 1111: rider(s) \\'er~ a pun of Ihis SceurilY Instrument (Checl. lIppHCllblc box(es.) o Adjuslable Rale !tider o CondominiulII Rider o 1.4 Family Rider o Gradualed I'ilyment Rider o Planned Unil Developmcl1l Rider o Olher(s)(sp.:cify) o Sccontlllolllc !tider 28. Conformlly Willi Lawl. If allY provision of Ihis Mongage (Deed of Tmsl) is found 10 be in violalioll of any 1:1\\'. mle or regulalion which alTccls Ille v;llidily alld/or enforceabilily of lhe Note und/or Mor1ga1:e (Deed of TruSI), 111;11 provision shall be llccllled mOllificd 10 cOlllply willi applic;lble law, IIIlc, or rcgulmion : i~.1 , " Form #-178 JiA (S/')"I) Bord411/Ad001 Palle'ufli .. ... . '. J , f . ~ ~ THI8 11I8TJllJXDlT PRBPARBD BY: Deborab curti. 10401 D..rwo04 Park Blvd. Jack.onvllle, ~lori4a 32256-0505 Loan Jlo. 6202"8 DOW ALL II1IJl BY 'l'BB8B PRBSENTS. On this 3rd day ot october, 1997, the EqulCredlt Corporation of Pa. located at 10401 D..rvoo4 Park Blvd., Jack.onvill., ~l. 3225&-0505 Hereatter designated as Assignor tor and in consideration ot the sum ot One Dollar ($1.00) and other good and valuable consideration, the receipt, whereof is hereby acknowledged does by these presents hereby grtnt, bargain, sell, assign, transfer and set over unto ,U.S, BANK NATIONAL ASSOCIATIOK . a corporation organized under the laws of the UNITEU STATES Of AMERICA . with its principal office at \11 E. WACKER OR.. STE. 3000, CHICAGO.IL bUbU hereinafter designated as Assignee, all of its right, title and interest, as holder thereof, in and to the fOllowing described mortgage(s), the property therein described and the indebtedness thereby secured: I I I I Executed by: R1CHAIUl M MOONEY AND DIANNA M MOONEY. MAIlIlIED to: EqulCredit Corporation or ~.TR UlA did 4/01/98 (HOME EQUITY LOAN TRUST 1998.1) Payable Bearing date of: September22,1997 Amount Secured: 47600.00 Recorded on , in Book , page of the office of the Recorder of Deeds for the county of CUMBERLAND, Commonwealth of. Pennsylvania. Property: BEE BELOW FOR LEGAL DEBCRIPTION < . Together with the note or obligation described in said mortgagees) endorsed to the Assignee this date, and all moneys due and to become due thereon, with interest. ", t1 TO HAVE AND TO HOLD the same unto the Assignee and to the successors, legal representatives and assigns of the Assignee forever, subject however to the right and equity of redemption, if any there be, of the maker(s) of the mortgage hereinabove described, their heirs and assigns forever. Legal Description on Mortgaged property SEE ATTACHED FOR LEGAL DESCRIPTION PARCEL NO: 06-19-1643-095 (,: ,1 ii., t , :t " j , ~ ~ I ~ ~ , tl 1 II . ) l j Form #976 PA (Rev. 11/90) D (continued on reverse si4e) DirLasPa ,. '.< , , Loan Numbell 6101698 Non: StDl.mber lJ, 1997 0... Trevole City . PCMJ)'IVIALI I. IOA.OW.I'. PROMlSI TO PAY 1a rttum (Of. - !ball hi.. '1ICC1vte!.1 Pfami.. 10 ply US S .76M 00 (!hit amount WIll bI WW .pMcipll'~ plu. Inc.at, to u.. Dl'dcr olLhc l.cndct. 11wI1.endcr', Pqlli('u~dit C"n'Pl:lnlinn nrPa , IllIldcntand IhIllM l.cndct 11I.I)' lIan,ler W, NoIe. The l.cndct or 1tl)'OM v.tlo....u thil Note by &tam(" and ~ i. cnllUcd to ,eui\'C pI)TncnI. under IN. NOUI ~Il bt tailed the "Noto Holder", 1 UlTIRIIT tW1llpay1Ataut.II,ywly..Ccol Q.ulO ~. lrlIurll '"II be cbaracd an thai p&rt of principal 'AiUdl ba.DOC beIa pe.id. Inlern( will bo tbar,cd bcahWnl on SeDCembe,26 199'7. and ccntinuina unullhe MllmounIo(prWlpll bas bccnpUd. IIdli.c Io.~ lIw.lbe Not.hoJdct IhIJI bI ~tiLlId to iA~... II &he fUlly,.1a on MylDllft&l.. &'1''''''' (1IDOUDt pall dill) lncJl.lll!n.. Vrtlhout IImhadan. dtcunutancq in whld!. . pctitJoa In btnbuptcy, WI.t-amcr. or other IllIlIlvCDCy prgcocdinJ .. ftlod dctipltinl me u debtor. J, PAYMIHTS S~priOOpellftd mteral aballbcPlYlblcin 1M lUCCCUivc monthly inltaJlmcnu willi the finl ,uc.h instlllmenl iA thumoutllo(S lIi~1' ducontho ht dayot N~mhn 100? and '79 .ublcqucntmonlhlyinttallmcoltors 4941.11 lhallbcduconthe ht day or cadi NCCCCdiDt; month Lhcreafttr. I will make theM pI)'menLl every month until r have paid an or the prioclpal and inlerut and InY other charaa. dcacribedbtlow;thallmayowu.ndcrthi.Note.lf,on Odober 1 '2012 htUlowumoulIlI WIder dU, Note. I v.iIJ ~y aU thole amounlI, in MI. on 1hI1 dale. Time it ot&he ~ ollbi, Note. I willmWmymonlhly~ymcntJ II PO. Box -441l1, JacbotlYiI1c, Florida 322]1 or It I dirfcrcnt pllCC i(requircd by &he NoI.c Holder. ' .. BORROWIR'S FAILUlU TO PAY AS REQUIRED (A) Relllm Chltk Cbll'll In Ihc IWCllI lhal I chedr. \lied to mUll InY ~)1t1Cn1 required by tN. NolO i. returned UIIp&id by tho plY<< but. for luutf1cjcm ftwb Of credil. 1.ll'co to ply you . 510.00 feo (or)'Out additiwud cOil, Incurred in proccuin. such c.hcck. Thi, cbule will be required whether 11I110I tbcrelumcd chctk t.lUSCS my plymcnllo be laic (0) ...,. CbUI" for Overdue Paymellll l(theNole Holdet Iw not received the full amounl o(anyofmy monlhly plymcnls by the end o( lhcdale it i.d~,1 will p.yaute charac to the Nolc 'Iolder. The .mounl of the ebarlc will be ~ bul ~lleSllhan U S S 24 70 and nol morc !tlln U S. S 2-1 70 once on any late pI)mC:nl (C) Def.uU 1(1 do 110I paythc (ull amount oreach monthly payment by thcdale .Ialed in Section] above, I will be: in deCaulL Even if,al.IUne when I am in de(aull, the Nole Ilolder d~ nol require me 10 piy immediately in full u described lbove, tho NGIC Holda' willltill hne the ript to do ~ ifJ am in default at alatet lime. (D) Notice From Note Holdcr If I am indcflull, the Nole Holder may send me I wriUen notite Idling me thll if I do nol ply the overdue amounl by I ccrtAindale the Note Holder IllIY require me 10 pay immedialely the full amounl or principal whith hu nol been paid and 11I1hc inlcrClt that I owe on thlt amount That date must be It Icasl30 days anet the dale on \lihich the notice is mailed 10 me or, if il is not mailed, 30 daYSlncr the date on MUch il is delivered 10 me. (I) Plymenl or Nole flolders COlt, and ExpeDles If the Nole Haidet hu required me 10 pay immediately in full u described .hove, the Nole Holder will have the ri&ht to be ~d back (or III of ill co.ts and expenses to the exlenl nol prohibiled by applicable law. Those expenses include, (or example, reuonable IUomeys'rees 10 calcndotda,,_ % of my overdue ~ymcnt, . I will pay this Jale dWIC only 5. nns NOTE SECURED BY A MORTGAGE In addition 10 the prolections liven to the Note Holdet under this Note, a MOrlgllc, dalcd fi:l':pt..mh....?? 1QQ'7 protects the Note Holder &om possible losses which might result i(1 do not keep the promises which I mako In this NOIe. That MortPID describes how and under what conditions I may be required 10 make immediate pa)1nCnt in full of aU 1m000lJ thai I owe under this Note. 6. BORROWER'S PAYMENTS BEFORE mEY ARIDUE J have the right to makc payments of principal at any time before they arc due, . A plyment of principal only is known U I -Prcpsymcnl", When I make I prepaymenl, J will tell the Nole Holder in Iletler that I am doin.so. A ptcplymcnl oflll o(tbe unpaid principal is lcno'Mlu a -full prepayment-. A prepaymcnl of only pari orahe unpaid principii iI known u a -partial prepayment_. J may make . full prepayment or partial prepaymenl al any time; however, the Lender may cbule me I JlRPGymeot dWp equlvalenllo N/A monlhs intcrc5t during the tint three years a(the loan.t the rate set rorth above CJQ the amount o(lIte principal balllJlCc prepaid. The Notc Holdcr will use all afmy prcpll)'tDcnls 10 reduce the amount o(princ:ipallhat I owe under this NOle, If I make a plltial prepaymenl, there will be no delays in Ihc due dales orchangcs in Ihc emounts of my monthly plymcnts WlIcu the Nole Ilolder agrees in wriling to those delays or ehangcs. I may make Il full prepayment Ilt any IUnc. If I dLoosc to make I partial prepaymenl, lhe Nole Holder may require me 10 make the prepayment on the same day that ODe o( my monthly ~ymcnlll, due. Tbc Nole Holder may also require that the amounl or my paniDI prepa)'tDcnl be equal 10 lite amounl of principallhal would hive been part o( my next one or more monthly pa)otnCnts 7. BORROWER'S W AMRS I WIIive my righls 10 requirc the Nole Holder 10 do certain Ihings. Th~e Ihings ltlc: (A) 10 demand payment o(amountJ due (known as -presentment.); (II) 10 give notice thai amounts due hAve nol been paid (known as -notice of dishonor"); (C) to obllin an omclal certification of nonplymenl (known as a -proll~st.). Anyonc else who agrees 10 k<<p the promises roach in thi. NOle, or who larea 10 make paymcn~ lo the NOle Holder if I rail to keep my promiSCJ under this NOIe, or who signs this NolC to lransfcr il to aomconcdac Iko waives Ihesc rights. These persons are Ic.nown as Mguaranlars, surclies and endorsers.- Fonn N433 Pennsylvania (10196) All Flrsl Mal1aBae' &. Second Martgagcs over 550,000 P.IC 1 0(2 .l. I. CIVING OF NOTICES Any notlu that mUll be ,illCR to me under lbl. N(J(e "111 be ,ivCft bydchvctln. II Of by mliliq il be ccrtJned awl adcIt,. &0 1M 'I lb. Proper1)' Addren in lhe Security lnllrumml A nollc, will be d.livald or mallld 10 m. at . dirT.enl &ddttaIlr f Jive Ibt Noll Ilolder I notice ormy dIfferent addleu My nolic;e Uwt mUll be ai'lnl 10 the Nole Hollin under,lhi. Note will be liven by m.ilin, it by certllled 171I1110 1M Notl, Holder at the Iddrcu .t.1ed In Seclion ] above ^ nullce WIll be milled 10 tho Nole llaMa II . d._cram! addle.. Iflam liven. not'" of dial dlrrl:fmladltrcn 9. RUPONSIDII.ITV OF PERSONS UNO!R TillS NOn I( more thin ono pcrlOn li&111 Ihi. Nole. each or UI i. lUll)' and JlCllOtllUY obha.led to ply the lUll amount owed and 10 keep all or the plolnisea mlde in IhI. Nule Ally IUltlntor. IUlcly, 01 elld",wl lit lhi, Nute (II dncribed in SccIIClll 7 lbo", I, abo obUplcd to do lhrIC thin,. The Nole Jlolder maycn(ottc itl ,iabl. under thit Nole Ipinll em orul individually IIf .piJut.1I oru toactbct. Thit meanl that anyone of UI may be required to p.y .n or the amount, owed undn' thl. Notll. Any penon. laJlu 0.., my rlahll 9' obliptlOfll under this Nota will hive all or m)' nihil and mUlt keep .11 of my ptomjsa made 1ft W. Note. An)' perIOd ~ tabJ OYCI' the nihil or obU..lIOnl Dr. .uaranlor, .urel)', 01 endorser oft!u. Note (II dcKribcd in Scclion 'aM") I. alto obUpterS 10 keep 111 0( Ute promilCl made In thl, Note. 10. LOAN CItARG!S J understand and believe thai \hi, ItndinlltlllMclion complies with PCMI)'lvania uaury, lasdina. lencI.1 obllptlOll, IUXl ral property ,.ws ofPeMsylvania, unlm preempled by FederaJ law, ho\\'evu, If any inter,1t Of oth. char,.. in COMKt!on wills 1bJI J.:ndi.q !tanJKlion arc e~t dClermined to exceed the maximum amount pmnillc:d by law, I undcntand and 111'110 that (I) the amount of the interest or other charRes payable by me PUlIuMt to this lendinlltllWClion shill be rctluccd to the maximum amount pcmUltcd by law, IlIW (ii) any cxccss amount previoutly coll"ted frorn me in conn"lion with thia lend in. tran..ction -Miich ncccdcd the maximum amount pmnitlcd by law, will be crediled against the outs!andinC principal balance If the outstandin. principii balance has .lrady been repaid, the execn lImount paid will be refunded to me. All ree., chargcs, ROOIb, things In action or InY other IUI1U or thinp o( value (collectively, the "Additional Sums") paid or payablc by me, whether pUllu.nt to this Note, the Mortp.eJDe:ed or Tl'UIt Of any other documcnl or instnuncnl in any way pcltilining 10 Uli, lending tlll.flw:tion, Of othcrwitc with rClpecl to !hi. Icndina transaction, which, under the la....., of PaIDsylvlUIia, may be demled 10 be inlerest with respect to this lcndinlltlflllttion,lhall, rOf the purpose or any laws of Pennsylvania which milY limit the mllxlmum amount of intcresllo be clwlcd with rcspccllo this Icndina IrInsaction, be payable by me ai, IInd shall be deemed to be, additional inlerest, and (or such purpose. only, the interest rate: or lhiIlcndina tranaction (u defined in this NOle) sholl be deemed 10 be increased by lhe Addilional Sums. I acknowledge thai the principal includes c1O.!ina costs listed on the Loan Clo.inS Statement and/or the Ilcmizatioo of Amount ~'inanted (unlcss such fees arc paid by me in nsh or by check at cl~ing) and deem such COlli 10 be rcuoaablo and speclfically....ce 10 pay them. I abo acknowledge and umlcutand that the loan originahon fcc, irany, and any othcrprepaid rUWICC charles aro fully earned al the time the loan is made and are not refundable. II. CONFORMITY Wlnl LAWS If an)' provision of Ihis Nole il found 10 be: in violation of an)' law, rule, or re.ulation, that pro'ision shall be deemed modified 10 comply with applicable law. 12. DEFAULT DISCLOSURE If you do nol m<<l your contract obligations, you may lose your house. '~In'~ Bcno.....er RICHARD M. ONEY ~J-~~Il/ ~. ~;tl Do ower ClAN A M. MOONEY Bono....-cr (Sign Original Only) FOml '433 (10/96) P'ge2or2 '~~q~lcr.dlt Corporation , .. Date, 12/15/98 Certified Mail No, Z488 072 217 (Return Receipt Requested) Property ,927 North Nest Street Carlisle, PA 17013-0000 Loan Numberl 006202698 Mortgagee I BquiCredit Corporation of America Mail Codel FL9-400-05-28 p, 0, Box 53077 Jacksonville, FL 32201 TOI Richard Mooney Dianna '1"oney 927 North Nest Street Carlisle, PA 17013-0000 IlOTICB or INTBII'r:ION TO rORBCLOSIl HORTGAGIl under Section 403 of Pennsylvania Act No. 6 of 1974 (READ ALL THRBB PAGES OF THIS NOTICE CAREFULLY) The MORTGAGE held by the above named MORTGAGEE (hereinafter referred.to as we, us, or oursl is the holder of the first mortgage on your property described above. The mortgage is in SERIOUS DEFAULT because you have not made the monthly payments as noted below under (a) and/or because you have failed to comply with or perform the other provisions of the mortgage obligation, if any, as noted below under (d). Previous late charges under (b) and other charges, if any under (c) noted below, have also accrued to this date. THE TOTAL AMOUNT NOW REQUIRED TO CURB THIS DEFAULT, OR IN OTHER WORDS, GET CAUGHT UP IN YOUR PAYMENTS AS OF THE DATE OF THIS LETTER, IS NOTED BELOW UNDER Ie). la) 06/01/98 06/01/98 through through through 12/01/98 at $ at $ 12/01/ge at $ 494.18 month month 24,70 late charge month (bl Previous late chargers) (cl Other charge(s): Payments advanced to senior lien Inspection fees NSF check fees Taxes Insurance premiums (d) Other provisions of the mortgage oligation. if any: Attorney Fees $625; BPO $100; unapplied funds -$270.90 (e) TOTAL AMOUNT OF (a), (b), (c) and (d) REQUIRED AS OF TIllS DATE: FL9-4OO-06-28 P.O. Box 63077 Jac:kaonvill., Florida 32201-3077 ~I.phon. 8oorI69-6380 I EXHIBIT e $ 3,632,16 $ 172,90 $ 0,00 $ 0.00 $ 10,00 $ 0.00 $ 0,00 $ 454.10 $ 4,269,16 . page 1 of 3 , .. ~ , You may cure thia default within THIRTHY (30) DAYS of thi. letter by paying to ua the amount under (e) above, plua any additional monthly payments and late charge. 'and other charges I which may fall duo during this period, Such payment. must be made either by CASH, CASHIER'S CHECK, CERTIFIED CHECK OR HONBY ORDSR made payable tOI BauiCredit Corooration of America. Mail Code. FL9-400-0S-28. P. O. Box 53077. Jacksonville. PL 32201 If you do not cure the default within THIRTY (30) DAYS, we intend to exerciae our right to accelerate the mortgage payments, This mean. that whataver is owing on the original amount borrowed will be considered duo immediately, and you may lose the chance to pay orr the original mortgage in monthly installments. If full payment of the amount or derault is not made within THIRTY (301 DAYS, we alao intend to inatruct our attorneya to atart a lawsuit to forecloae your mortgaged property. If the mortgage is foreclosed, your mortgaged property will be sold by the Sheriff to pay off the mortgage debt, If we refer your ca.e to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees actually incurred up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable cost, If you cure the default within the thirty day period, you will not be required to pay attorney's fees, Also, we may sue you personally for the unpaid principal balance, and all other sums due under the mortgage, If you have not cured the default within the thirty day period, and foreclosure I proceedings have begun, you will still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments plus and late charges, charges then due, as well as the resonable attorney's fees and costs connected with the foreclosure sale (and perform any other requirements under the mortgage). It is estimed that the earliest date that such Sheriff's sale could be held would be approximately THREE (3) MONTHS FROM THE DATE OF THIS LETTER, A notice' of the date of Sheriff's Sale will be sent to you before the sale, Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: 1-800-934-2121. This payment must be in cash, cashier's cheek, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriff's Sale will end your ownership of the mortgaged propetty and your right to remain in it. If you continue to live in the property after the Sheriff's Sale, a lawsuit could be started to evict you, f page 2 of 3 f, ...... , .. I Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice, During that time you must arrange and attend a "face-to-face" meeting with a reprentative of this lender, or with a designated consumer credit counseling counseling agency. The purpose of this meeting is to attempt to work out a repayment plan, or to otherwise settle your delinquency, This meeting must occur in the next (30) days. , If you attend a face-to-face meeting with this lender, or with a consumer credit counseling agency identified in this notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days after the date of this meeting. The name, address and telephone number of our representative is: EquiCredit Corporation of America Mail Code: FL9-400-05-28 p, O. Box 53077 Jacksonville, FL 32201 Telephone number: 1-800-934-2121 The names and addresses of designated consumer credit counseling agencies are shown on the attached sheet. It is only necessary to schedule one face-to-face meeting. You should advise this lender immediately of your intentions, Your mortgage is in default because you have failed to pay promptly installments of principal and interest, as required, for a period of at least sixty (60) days. The total amount of the delinquency is $ 4,763,34. That sum includes the following: Payments Delinquent Payment Due During Default Period Accrued Late 'Charges Owing Payments Advanced to First Mortgage Insurance Premium Advanced Other:Attorney Fees $625.00, BPO $100 Advances:Return Check Fee Less Unapplied Funds/Credits Due TOTAL AMOUNT DUE $ 3,459.26 $ 494.18 $ 345.80 $ 0.00 $ 0.00 $ 725.00 : $ 10.00 : ($ 270.90) : $ 4,763.34 Your mortgage is also in default for the following reasons: (use this paragraph only if applicable) f page 3 of 19 ~ ..... . , .. If you have tried and are unable to resolve this problem at or after your face-to-face meeting, you hve the right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Fund. In order to do this, you must fill out, sign and file a completed Homeowners' Emergency Assistance Application with one of the designated counumer credit counseling agencies listed on the attachment. An application for assistance may only be obtained from a consumer credit co~nseling agency, The consumer credit counseling agency will assist you in filling out your application and will submit your completed application to the Pennsylvania Housing Finance Agency, Your application must be filed or postmarked, within (30) days of your face-to-face meeting. It is extremely important that you file your application promptly, If you do not do so, or if you do not follow the other time period set forth in this letter, foreclosure may proceed against your home inunediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria . established by the Act. It is extremely important that your appliciation is accurate and complete in every respect, The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that additional time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above, You will be notified directly by that Agency of ita decision on your application. The Pennsylvania Housing Finance Agency is located at 2101 North Front Street, Post Office Box 8029, Harrisburg, Pennsylvania 17105. Telephone number (717) 780-3800 or 1-800-342-2397 (toll free number). Persons with impaired hearing can call 1-800-342-2397. In addition you may receive another notice from this lender under Act 6 of 1974, That notice is called a "Notice of Intention to Foreclosure", You must read both notices, since they both explain rights that you now have under Pennsylvania law. However, if you choose to exercise your rights described in this notice, you cannot be foreclosed upon while you are receiving that assistance. Sincerely, c:&AkJ$ J~~ Lirra 1~L.<cn,' ~ /ldninist..~1:ct- f page 4 of 19 . ..0. .. . "". . VERIFICATION The undersigned. an onicer of EquiCredit Corporation of America Ihe instant Plaintiff, or its servicing agel1l, hcing authorized to make this Vcritication on hehalf of Plaillliff. hereby verities that the facts set forth in Ihe foregoing Complaint in Mortgage Foreclosure arc laken from the records maintained hy persons supervised by Ihe undersigned who mainlain the business records of the Mortgage held by Plaintiff in thc ordinary course of business and that those facts are lrue and correct 10 the ~st of the 1:l1owledge, informal ion and belief {\f the undrrsigned. I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF 18 PA.C.S. SECTION 4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. Dated: 3//1lq~ f / \Q,G~~~ Name : Valerie Laws:n Title: Asst. S=etaty Company: EquiCredit Corporation of America t rt ~ ..... "" (:: ~ ~ 0 t.; - ~ ~~ .. :."i< U.l(.~ - j J... , R ~ ( 1 ~.' .'. ( . ~ " . ~ a ~ -~ t ' . :.':; s;:;. ~ ,F', '-1 () 1 . , cr. .'~ 1J v, c..- o ~ V; Vi ~, ~11_1 ( ~-. !' ;:,'j ~ d... U.., c. J."1- CJ (-.: "~ t'. cr. :._) ~ W 0 (J) Ci .....~. . '. .. ......-...-.......-------.... ,....- ~ t;'J ~ ~ N wC} 8 ?,~ (,'(''5 :c 0~ ~:L "'" >. ~... c1... c r- :.s~ @lJ. I EEL>, tC'rn - uh F' :::> ~a.. -, u.. m => u 0"\ () , . .,'. ". THR LAW OFFICES OF BARBARA A. FEIN, P.C. Barbara A. Fein, Esquire /1.0. No. 53002 Krislen J. DiPaolo, Esquire /1.0. No. 79992 425 Commerce Drive, Suite 100 Fon Washinglon, PA 19034 (215) 653-7450 Allorneys for Plaintiff U.S, BANK NATIONAL ASSOCIATION TR U1A dId 5/1/98 (EquiCredil Funding Trusll998-1), Plaimiff, COURT OF COMMON PLEAS CUMBERLAND COUNTY v. NO. RICHARD M. MOONEY and DIANNA MOONEY, Defendams. AFFIDAVIT OF NON-MILITARY SERVICE STATE OF FLORIDA COUNTY OF DUVAL s.s.: THE UNDERSIGNED being duly sworn, deposes and says that the avennems herein are based upon investigations made and records mainlained by us either as PlaimiFf or as servicing agent of the Plaimiff herein named and that the above named Defendants are not in the Military or Naval Service of the United States of America or its Allies as defined under the Soldiers and Sailors Civil Relief Act of 1940, as amended, and that the age and last known residence and employment of each Defendant are as follows: Defendant Age Residence Employmem Richard M. Mooney Over 18 927 Nonh West Streel, Carlisle, PA 17013 Unknown THE LAW OFFICES OF BARBARA A, FEIN, P.C, Barbara A. Fein, Esquire / I.D, No, 53002 Kristen J. DiPaolo, Esquire / I,D. No. 79992 425 Commerce Drive, Suite 100 Fort Washington, PA 19034 (215) 653 -7450 Attorneys for Plaintiff U,S, BANK NATIONAL ASSOCIATION TR U/A dtd 4/1/98 (Home Equity Loan Trust 1998-1), Plaintiff, COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 99-2311 v, RICHARD M. MOONEY and DIANNA M, MOONEY, Defendants. CERTIFICATION OF ADDRESS I, Barbara A. Fein, Esquire, Attorney for Plaintiff, U.S. Bank National Association TR U/A dtd 4/1/98 (Home Equity Loan Trust 1998-1), hereby certify that the Plaintiff's correct address is 111 E. Wacker Drive, Suite 3000, Chicago, Illinois 60611, and the last known address of each Defendant is as below. Richard M. Mooney 927 North West Street Carlisle, PA 17013 Dianna M. Mooney 927 North West Street Carlisle, PA 17013 Barbara A. Fein, squire Attorney for PIa' tiff A, FEIN, P.C. THE LAW OFFICES OF BARB BY, ti; C") ~ N Z <<. t- o ::><1'1': UJr1 (] :..:' c.JC'"' .r- t.)~ ~i' ::it Cl?,j )i~ 7;"- r- ,.(tJ) i:. 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"5 t<J ~ -..::t- ~ " ~ % ........ ~ ~ \3'+ . ~ __ <.:J- p ~ ~ " -" ~ ~ ~ C; V> ~ r-- - cl.:j ~~ ---. ~~ IN The UNITED STATES BANKRUPTCY ~OURT FOR THE MIDDLE DISTRICT OF PENNSYLVANIA IN RE: Dianna Maria Mooney Debtor CHAPTER 7 BANKRUPTCY NO. 1-98-03949 EquiCredit Corporation of America, Movant, v. ORDER AND NOW, this l'fh day of "!JLtunbU'" 11 a.s.c. ~362 FILED ll~~JI. GEe U 1998 I MargaretA.Smllh Clerk 1I:.e ICy Court Per . Qq....:!!' r:. . Dianna Maria Mooney, Respondents. Leon P. Haller, Trustee Additional Respondent. , 199'1. at the Middle District of Pennsylvania, upon failure of Debtor to file an answer within the time allowed, appear or otherwise respond to the Motion of the above Movant for Relief, including annulment, from the Automatic Stay. and upon the failure of the Debtor to appear or otherwise respond to the Movant's Motion for Defaul t / Certification of No Response, it is hereby ORDERED AND DECREED that: The Automatic Stay of all proceedings. as provided under ~362 of the Bankruptcy Reform Act of 1978 ("The Code"), 11 U.S.C. 362, is annulled to allow EquiCredit Corporation of America to proceed with, or to resume proceedings in mortgage foreclosure, including, but not limited to Sheriff's Sale of the "Mortgaged Premises" kno.m as 927 North West Street, Carlisle, PA 17013; and to take action, by suit or otherwise, in its own name or the name of its assignee or servicer, to secure possession of said premises. /II Robert J. WOOdi/do Robert J. Woodside, U.S.B.J. cc: Attorney for Movant: Barbara A. Fein, Esquire Suite 100, 425 Commerce Drive, Fort Washington, PA 19034 Debtor/Respondents: Dianna Maria Mooney 927 North West Street, Carlisle, PA 17013 Attorney for Debtor: Robert L. O'Brien, Esquire 17 West South Street, Carlisle, PA 17013 Leon P. Haller. Standing Trustee 1719 North Prone Street. Harrisburg, PA 17102 r.r; '''J ~ ''C ""~ ,.. ;-;'~ , , , ,--' . , .: ,. - ; . : c:.: : {~i :: - " ~:._I a, r:? I " '. r c I.:';; Iii] ~' J:.L r '. C-l ..,~ C', -'.) .., (J >~ (') ~.., ,. .... '" (.. I , ~.~.~ ., , , ., t , .-' , .' " , ; .' .. ci: , ( ; 7" :.~ ,; C. . I;) , , J..... '. ( " :H.e I ..... ..:.: (~.; G'l ' , t.:l 0 . . ,,~ 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 ~ 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 below 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. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling Kristen J. DiPaolo, Esquire at (:15i 653-7450, or by calling the Cumberland County Sheriff's Department at (717) 240-6390. 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 if the buyer pays the Sheriff the full amount bid in the sale. To find out if this has happened, you may call Kristen J. DiPaolo, Esquire at (215) 653-7450, or by calling the Cumberland County Sheriff's Department at (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 had 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 Philadelphia County Sheriff on or about thirty (30) days from the date of Sheriff's 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 sheet is posted. <"" .,.. . '" ~~; ~ v; , ;~ I, ) . . , (" I:':'. :.-( ,! - j {.::.: , . -~'J , .. J / " " r " ~ J :~J _.. .. J Cl., ..... (1\ ~, " CJ"\ 0 . - SHERIFF'S RETURN - REGULAR CASE NO: 1999-02311 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND U S BANK NATIONAL ASSOCIATION VS. MOONEY RICHARD M ET AL CPL. MICHAEL BARRICK , Sheriff or Deputy Sheriff of CUMBERLAND County, Pennsylvania, who being duly sworn according to law, says, the within NOTICE AND COMPLAINT IN was served upon MOONEY DIANNA M the defendant, at 7:49 HOURS, on the 23rd day of April 1999 at 927 NORTH WEST STREET CARLISLE, PA 17013 ,CUMBERLAND County, Pennsylvania, by handing to DIANNA M. MOONEY a true and attested copy of the NOTICE AND COMPLAINT IN together with MORTGAGE FORECLOSURE and at the same time directing ~ attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So answers: ..-' ~ K.1<~~f~ t;ARBARA FEIN "I'''::'' a.c.. ~ ~ uepujin 6.00 .00 .00 8.00 $ !'I . uu Sworn and sUbscribe~ b~fore me this 1. 7 day of 1J.A~O 1m '2~ ILl 4 Dry ra r