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.McCABE, WEISBERG AND CONWAY, P.C.
BY: TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
First Union Building
123 South Broad Street, Suite 2080
Philadelphia, Pennsylvania 19109
(215) 790-1010
Beneficial Consumer
Company
961 Weigel Drive
P.O. Box 8634
Elmhurst, IL 60126
Discount
v.
Chesterfield E. Armolt
1019 Grahams Wood Road
Newville, PA 17241
and
Awanda R. Armolt
1019 Grahams Wood Road
Newville, PA 17241
Attorney for Plaintiff
Cumberland County
Court of Common Pleas
Number 91- ;;'-139
~
CIVIL ACTION/MORTGAGE FORECLOSURE
NOTICE AVISO
You have been sued fn court. If yolJ wish to defend
8gainst the claims set forth In the following
pages, you rrust teke Bction within twenty (20) days
after this corrplaint and notice are served, by
entering B written appearance personally or by
attorney and filing in writing with the court your
defenses or objections to the claims set forth
against you. You are warned that if you fail to do
so the Case may proceed without you and 8 judgment
may be entered against you by the court without
further notice for any money claimed in the
c~latnt or for any other claim or relief
requested by the plaintiff. You may lose money or
property ai' other rights iqJOrtant to you.
YOU SHOULD TAKE THIS PAPER TO YOUR
l.AWYER AT ONCE. IF YOU DO NOT HAVE A
LAWYER OR CANNOT AFFORD ONE, GO TO OR
TELEPHONE THE OFFICE SET FORTH BELOW
TO FIND OUT WHERE YOU CAN GET HELP.
CUlberland COU'lty Bar Association
2 Libertv Avenue
tlrlf.l~, PA 17013
(717) 249-3166
Le han demandado a usted en La corte. sf usted
qui ere defenderse de estas demandas ex.puestas en
Las paginas sfgufentes, usted tiene veinte (20)
dias de J:lLazo al partir de la fecha de La demanda y
18 notificacion. HBce felta BsentBr una
carparencia escrita 0 en persona 0 con un abogado y
entregar a La corte en forma escrfta sus defensas 0
sus objeciones B Las demandas en contra de su
persona. Sea avisado que si usted no se defiende,
la corte tomara medidas y puede continuar la
demanda en G:ontra Suya sfn previo 8viso 0
notification. Ademas, la corte puede decidir 8
favor del demandante y requiere que usted clllpla
con todas las provfsfones de esta demands. Usted
puede perder dtnero 0 sus propiedades U otros
derechos tmportantes para usted.
LLEVE ESTA DEMANDA A UN A80GADO
INMEDlA T AMENTE. SI NO TIENE ABOGADO 0
SI NO TIENE EL D1NERO SUFICIENTE DE PAGAR
TAL SERVICO. VAYA EN PERSONA 0 LLAME
POR TELEFONO A LA OFICINA CUY A
D1RECCION SI?: ENCUENTRA ESCRITA ABAJO
PARA AVERIGUAR DONDE SE PUEDE
CONSEGUIR ASISTENCIA LEGAL.
CLIlOerland County Ber Association
2 Liberty A....enue
Carlisle, PA 17013
(717) 249-3'66
McCABE, WEISBERG AND CONWAY, P.C.
BY: TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
First Union Building
123 South Broad Street, Suite 2080
Philadelphia, Pennsylvania 19109
(215) 790-1010
Attorney for Plaintiff
Beneficial Consumer
Company
961 Weigel Drive
P.O. Box 8634
Elmhurst, IL 60126
Discount
Cumberland County
Court of Common Pleas
v.
Chesterfield
1019 Grahams
Newville, PA
and
Awanda R. Armolt
1019 Grahams Wood Road
Newville, PA 17241
E. Armolt
Wood Road
17241
Number
CIVIL ACTION/MORTGAGE FORECLOSURE
1. Plaintiff is Beneficial Consumer Discount Company, a
corporation duly organized under the laws of Pennsylvania and doing
business at the above captioned address.
2. The Defendant is Chesterfield E. Armolt, who is one of
the mortgagors and real owners of the mortgaged property
hereinafter described, and his last-known address is 1019 Grahams
Wood Road, Newville, PA 17241.
3. The Defendant is Awanda R. Armolt, who is one of the
mortgagors and real owners of the mortgaged property hereinafter
described, and her last-known address is 1019 Grahams Wood Road,
Newville, PA 17241.
4.
On November 11, 1994, mortgagors made, executed and
:~
delivered a mortgage upon the premises hereinafter described to
Plaintiff which mortgage is recorded in the Office of the Recorder
of Cumberland County in Mortgage Book 1241, Page 496.
5. The premises subject to said mortgage is described in the
mortgage attached as Exhibit "A" and is known as 1019 Grahams Wood
Road, Newville, PA 17241.
.~
~
,
6. The mortgage is in default because monthly payments of
principal and interest upon said mortgage due February 1998 and
each month thereafter are due and unpaid, and by the terms of said
mortgage, upon default in such payments for a period of one month,
the entire principal balance and all interest due thereon are
collectible forthwith.
7. The following amounts are due on the mortgage:
Principal Balance $ 4,190.29
Interest 01/01/98 through 04/15/99 $ 737.65
(Plus $2.41 per diem thereafter)
Attorney's Fee $ 1,500.00
Cost of Suit $ 225.00
Appraisal Fee $ 125.00
Title Search S 200.00
GRAND TOTAL $ 6,977.94
8. 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 based on work actually performed.
9. Notice of Intention to Foreclose as required by Act 6 of
1974 (41 P.S. ~403) and notice required by the Emergency Mortgage
Assistance Act of 1983 have been sent to Defendants by certified
"
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;-;;,;,1241 tier 4$
EXHIBIT" "A"
AND HELP YOU MAKE FUTURE
MORTGAGE PAYMENTS
TO:
FROM:
RE:
Chesterfield E. Armolt
Terrence J. McCabe, Esquire
Premises: 1019 Grahams Wood Road, Newville, PA 17241
Account Number: 711715-00-110205
You may be eligible for financial assistance that will prevent
foreclosure on your mortgage if you comply with the provisions of
the Homeowners' Emergency Mortgage Assistance Act of 1983 (the
"Act"). You may be eligible for emergency temporary assistance if
your default has been caused by circumstances beyond your control,
you have a reasonable prospect of resuming your mortgage payments,
and if you meet other eligibility requirements established by the
Pennsylvania Housing Finance Agency. Please read all of this
Notice. It contains an explanation of your rights.
Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty (30) days from the date of
this Notice. During that time you must arrange and attend a "face-
to-face" meeting with a representative of this lender, or with a
designated consumer credit counseling agency. The purpose of this
meeting is to attempt to work out a repayment plan, or to otherwise,
settle your delinquency. This meeting must occur in the next (30)
days.
If you attend a face-to-face meeting with this lender, or with
a consumer credit counseling agency identified in this notice, no
further proceeding in mortgage foreclosure may take place for
thirty (30) days after the date of this meeting.
The name, address and telephone number of the Beneficial
Consumer Discount Company representative is as follows:
will Myles
Beneficial Consumer Discount Company
961 weigel Drive, P.O. Box 8634
Elmhurst, IL 60126
800-959-3482, Ext. 6345
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 fa iled to pay
promptly installments of principal and in~c~ as required, for
a period of at lpast sixty (60) days. The total amount of.the
delinquency is $2,461.76. That sum includes the follow~ng:
principal and interest.
Your mortgftg0 is also in default for the following reasons:
NIl>..
If you have tried and are unable to resolve this problem at or
after your face-to-face meeting, you have the right to apply for
financial assistance from the Homeowners' Emergency Mortgage
Assistance Fund. In order to do this, you must fill out, sign and
file a completed Homeowners' Emergency Assistance Application with
one of the designated consumer credit counseling agencies listed on
the attachment. An application for assistance may only be obtained
from a consumer credit counseling agency. The consumer credit
counseling agency will assist you in filling out your application
and will submit your completed application to the Pennsylvania
Housing Finance Agency. Your apolication must be fj 1 ed or
postmarked. within thirty (30) days of vour face-to-f~ce ~~;tin;.
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 periods set forth in this letter, foreclosure may proceed
against your home immediately.
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 extremelv important that your application is accurate
and complete in every respect. The Pennsylvania Housing Finance
Agency has sixty (60) days to make a decision after it receives
your application. During that additional time, no foreclosure
proceeding will be pursued against you if you have met the time
requirements set forth above. You will be notified directly by
that Agency of its decision on your application.
The Pennsylvania Housing Finance Agency is located at 2101
North Front street, Post Office Box 8029, Harrisburg, Pennsylvania
17105; telephone number (717) 780-3800 or 1-800-342-2397 (toll free
number). Persons with impaired hearing can call (717) 780-1869.
In addition you may receive another notice from this lender
under Act 6 of 1974. That notice is called a "Notice of Intention
to Foreclose." You must read both notices, since they both explain
rights that you now have under Pennsylvania law. However, if you
choose to exercise your rights described in this notice you cannot
ce foreclosed upon while you are receiving that assistance.
NOTE: Unless you notify this office within thirty (30) days
after receiving this notice, that you dispute the validity of this
debt or any portion thereof, this office will assume that the debt
is valid. If you notify this office in writing within thirty (30)
days from receiving this notice, this office will: obtain
verification of the debt or obtain a copy of judgment and mail you
a copy of such judgment or ver if icati on. You are also advised
that any information which you supply to this office may be used by
us in the collection of the debt. If you request this office in
writing within thirty (30) days after recf.;.ving this, this office
will provide you with the name and "ddress 01' the original
credi t<~r.
PENNSYLVANIA HOUSING FINANCE AGENCY
HOMEOWNERS I EMERGENCY MORTGAGE
ASSI8TANCE PROGRAM
CONSUMER CREDIT COUNSELING AGENCIES
CUM8ERLAND COUNTY
Consumer Credit Counseling service of Western
Pennsylvania, Inc.
2000 Linglestown Road
Harrisburg, Pa 17102
(717) 541-1757
Financial Services unlimited
117 West 3rd street
waynesboro, Pa 17268
(717) 762-32S5
Urban League of Metropolitan Harrisburg
25 N; Front street
Harrisburg, Pa 17101
(717) 234-5925
FAX # (717) 232-4985
YWCA of Carlisle
301 G street
Carlisle, Pa 17013
(717) 243-3818
FAX # (717) 243-3948
during this period. Such payment must be made either by cash,
cashier's check, certified check or money order and made to
Beneficial Consumer Di.scount Company
961 Weigel Drive, P.O. Box 8634
Elmhurst, IL 60126
If you do not cure the default within THIRTY (30) DAYS, we
intend to exercise our right to accelerate the mortgage payments.
This means that whatever i.s owing on the original amount borrowed
will be considered due immediately, and you may lose the chance to
payoff the original mortgage in monthly installments. If full
payment of the amount of default is not made within THIRTY (30)
DAYS, I have been instructed to start a lawsuit to foreclose your
mortgaged property. If the mortgage is foreclosed, your mortgaged
property will be sold by the Sheriff to payoff the mortgage debt.
Once this matter is referred to me for suit, but you cure the
default before I 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, which may also include reasonable costs. If you
cure the default within the thirty day period, you will not be
required to pay attorney's fees.
We may also 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
proceedings have begun, YOll 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 any late or other
charges then due, as well as the reasonable attorney's fees and
costs connected with the foreclosure sale (and perform any other
requirements under the mortgage). It is estimated that the
earliest date that such a Sheriff's Sale could be held would be
approximately 5 months.
A notice of the date of the Sheriff 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 the following
number: 800-959-3482, Ext. 6345. This payment must be in cash,
cashier's check, certified check or money order and made payable to
us at the address stated abo"e.
You should realize that a Sheriff's Sale will end your
ownership of the mortgaged property 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.
You have additional rights to help protect your interest in
the property. ',ou have the right to he] I the property to obtain
money to payoff the mortgage debt, or to borrow money from another
lending institution to payoff this debt. (YoU may have the right
to sellar transfer the property subject to the mortgage to a b~yer
or transferee who will assume the mortgage debt, provided that all
the outstanding payments, charges and attorney's fees and costs are
paid prior to or at the sale, and that the other requirements under
the mortgage are satisfied). Contact us to determine under what
circumstances this right might exist. You have the right to have
this default cured by any third party acting on your behalf.
If you cure the default, the mortgage will be restored to the
same position as if no default had occurred. However, you are not
entitled to this right to cure your default more than three times
in any calendar year.
NOTE: Unless you notify this office within thirty (30) days
after receiving this notice, that you dispute the validity of this
debt or any portion thereof, this office will assume that the debt
is valid. If you notify this office in writing within thirty (30)
days from receiving this notice, this office will: obtain
verifIcation of the debt or obtain a copy of judgment and mail you
a copy of such judgment or verification. You are also advised
that any infonnation which you supply to this office may be used by
us in the collection of the debt. If you request this office in
writing within thirty (30) days after receiving this, this office
will provide you with the name and address of the original
creditor.
THE PURPOSE OF THIS COMMUNICATION IS TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THIS PURPOSE.
Very truly yours,
TERRENCE J. McCABE
TJM/df
SENT VIA CERTIFIED MAIL
NUMBER Z 480 910 353
RETURN RECEIPT REQUESTED
AND HELP YOU MAKE FUTUR~
MORTGAGE PAYMENTS
TO:
FROM:
RE:
Awanda R. Armolt
Terrence J. Mccabe, Esquire
Premises: 1019 Grahams Wood Road, Newville, PA 17241
Account Number: 711715-00-110205
You may be eligible for financial assistance that will prevent
foreclosure on your mortgage if you comply with the provisions of
the Homeowners' Emergency Mortgage Assistance Act of 1983 (the
"Act"). You may be eligible for emergency temporary assistance if
your default has been caused by circumstances beyond your control,
you have a reasonable prospect of resuming your mortgage payments,
and if you meet other eligibility requirements established by the
Pennsylvania Housing Finance Agency. Please read all of this
Notice. It contains an exolanation of your rights.
Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty (30) days from the date of
this Notice. During that time you must arrange and attend a "face-
to-face" meeting with a representative of this lender, or with a
designated consumer credit counseling agency. The purpose of this
meeting is to attempt to work out a repayment plan, or to otherwise,
settle your delinquency. This meeting must occur in the next (30)
days.
If you attend a face-to-face meeting with this lender, or with
a consumer credit counseling agency idenLified in this notice, no
further proceeding in mortgage foreclosure m::lY take place for
thirty (30) days after the date of this meeting.
'fhe name, address and telephone number of the, Beneficial
Consumer Discount Company representative is as follows:
will Myles
Beneficial Consumer Discount Company
961 Weigel Drive, P.O. Box 8634
Elmhurst, IL 60126
800-959-3482, Ext. 6345
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 mortaage is in default because you have failed to pay
promptly installments of prlnc~ and interest. as required, for
a period of at least sixty (60) days. The total amount of the
delinq'.lency is $2,461.76. That sum includes the following:
principal and interest.
Your mortgage is also in default for the following reasons:
Nil,.
If you have tried and are unable to resolve this problem at or
after your face-to-face meeting, you have the right to apply for
financial assistance from the Homeowners I 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 consumer credit counseling agencies listed on
the attachment. An application for assistance may only be obtained
from a consumer credit counseling agency. The consumer credit
counseling agency will assist you in filling out your application
and will submit your completed application to the Pennsylvania
Housing Finance Agency. Your aop] ication must be filed or
90stmarked. within thirtv (30) days of vour face-to-face meetina.
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 periods set forth in this letter, foreclosure may proceed
against your home immediately.
Available funds fcr emergency mortgage assistance are very,
limited. They will be disbursed by the agency under the
eligibility criteria established by the Act.
It is extremely important that your application is accurate
and complete in every respect. The Pennsylvania Housing Finance
Agency has sixty (60) days to make a decision after it receives
your application. During that additional time, no foreclosure
proceeding will be pursued against you if you have met the time
requirements set forth above. You will be notified directly by
that Agency of its decision on your application.
The Pennsylvania Housing Finance Agency is located at 2101
North Front street, Post Office Box 8029, Harrisburg, Pennsylvania
17105; telephone number (717) 780-3800 or 1-800-342-2397 (toll free
number). Persons with impaired hearing can call (717) 780-1869.
In addition you may receive another notice from this lender
under Act 6 of 1974. That notice is called a "Notice of Intention
to Foreclose." You must read both notices, since they both explain
rights that you now have under Pennsylvania law. Howeve~, if you
choose to exercise your rights described in this notice you cannot
be foreclosed upon while you are receiving that assistance.
NOTE: Unless you notify this office within thirty (30) days
after receiving this notice, that you dispute the validity of this
debt or any portion thereof, this office will assume that the debt
is valid. If you notify this office in writing within thirty (30)
days from receiving this notice, this office will: obtain
verification of the debt or obtain a copy of judgment and mail you
a copy of such judgment or verification. You are also advised
that any information which you supply to this office may be used by
us in the collection of the debt. If you request this office in
writing within thirty (30) days after receiving this, this office
will provide you with the name and oddress of the original
creditor.
during this period. such payment must be made either by cash,
cashier's check, certified check or money order and made to
Beneficial Consumer Discount company
961 Weigel Drive, P.O. Box 8634
Elmhurst, IL 60126
If you do not cure the default within THIRTY (30) DAYS, we
intend to exercise our right to accelerate the mortgage payments.
This means that whatever is owing on the original amount borrowed
will be considered due immediately, and you may lose the chance to
payoff the original mortgage in monthly installments. If full
payment of the amount of default is not made within THIRTY (30)
DAYS, I have been instructed to start a lawsuit to foreclose your
mortgaged property. If the mortgage is foreclosed, your mortgaged
property will be sold by the Sheriff to payoff the mortgage debt.
Once this matter is referred to me for suit, but you cure the
default before I 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, which may also include reasonable costs. If you
cure the default within the thirty day period, you will not be
required to pay attorney's fees.
We may also 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
proceedings have begun, you still have the right to cure the
default and prevent the sale at any time up to one hour before the
Sheriff I s Foreclosure Sale. You may do so by paying the total
amount of the unpaid monthly payments plus any late or other
charges then due, as well as the reasonable attorney's fees and
costs connected with the foreclosure sale (and perform any other
requirements under the mortgage). It is estimated that the
earliest date that such a Sheriff I s Sale could be held would be
approximately 5 month~.
A notice of the date of the Sheriff 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 the following
number: 800-959-3482, Ext. 6345. This payment must be in cash,
cashier's check, certified check or money order and made payable to
us at the address stated above.
You should realize that a Sheriff I s Sale will end your
ownership of the mortgaged property 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.
You have additional rights to help protect your interest in
the property. Yc>u have the right to sell the property to ob,tain
SHERIFF'S RETURN - REGULAR
CASE NO: 1999-02439 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
BENEFICIAL CONSUMER DISCOUNT C
VS.
ARMOLT CHESTERFIELD E ET AL
CPL. TIMOTHY REITZ
, Sheriff or Deputy Sheriff of
<-
r
l
CUMBERLAND County, Pennsylvania, who being duly sworn according
to law, says, the within NOTICE AND COMPLAINT IN was served
upon ARMOLT AWANDA R the
defendant, at 14:18 HOURS, on the 6th day of May
1999 at 1019 GRAHAMS WOOD ROAD
NEWVILLE, PA 17241 ,CUMBERLAND
County, Pennsylvania, by handing to AWANDA R. ARMONLT
a true and attested copy of the NOTICE AND COMPLAINT IN
together w~th MORTGAGE FORECLOSURE
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Dock~ting
ServJ.ce
Affidavit
Surcharge
18.00
5.58
.00
8.00
So answ~:,;'. ~
K.~as :~~::~~~~t
~.u.:>tj
MCCABE, WEISBERG & CONWAY
"I'"'''' ~ _. ~
by /V~
Sworn and subscribed to before me
this 7~ day of ~
19 CJ'I A.D.
q4f'-' 4J~'--n::t'~
McCABE, WEISBERG AND CONWAY, P.C.
BY: TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
First Union Building
123 South Broad Street, Suite 2080
Phil.adelphia, Pennsylvania 19109
(215) 790-1010
Beneficial Consumer Discount
Company
961 Weigel. Drive
P.O. Box 8634
Elmhurst, IL 60126
v.
Chesterfield E. Armolt
1019 Grahams Wood Road
Newville, PA 17241
and
Awanda R. Armolt
1019 Grahams Wood Road
Newville, PA 17241
Attorney for Plaintiff
Cumberland County
Court of Common Pleas
TRUE c.;oPY FROM RECON)
II TIIIIlnony whoreo!, I oora unto Itll ray IwIlI
~ seal of Id ,0' 1 at ,Car1lsl:~
Number
~
CIVIL ACTION/MORTGAGE FORECLOSURE
NOTICE AVISO
Clllbcr t Rnd county Bar Assod lit i on
2 l; bcrt y Avenue
(Ilrlisl~. PI, 17013
(717) 149.3166
Lc han demandado a usted en la corte. 5i usted
qui ere dcfenderse de estas demandas ex.puestas en
las paginas siguientes, usted tiene veinte (20)
dies de plazo al partir de la fccha de la demands y
la not1ficacion. Haee falts ascntar una
cooparencia escrita 0 en persona 0 con un abogado y
entregsr a la corte en form."l escrlta sus defenses 0
sus objccioncs alas demandas en contra de su
persona. Sea avisado que si usted no se defiehde.
la corte tomaro mcdidas y puede continuer La
demanda en contra suva sin previa 8viso 0
notification. AdelTlas, la c:orte puede decidir 8
favor del demandantc y requiere que usted cumplo
con todas las provisiones de esta demanda. Usted
puedc pcrdcr dinero 0 sus propiedades u otros
dcrechos importantc~ para usled.
You have been sued in court. If you wish to defend
against the claims set forth in the following
pages, you must take action within twenty (20) days
after this complaint and notice arc served, by
entering 0 written appearance personally or by
attorney and filing in writing with the court your
defenses or objections to the claims set forth
against you. You are warned that if you fail to do
so the case may proceed without you and a judgment
may be entered against you by the court without
further notice for any money claimed in the
complaint or for any other claim or relicf
requested by the plaintiff. You may lose money or
property or other rights important to you.
YOU SHOULD TAKE TillS PAPER TO YOUR
LA WYER AT ONCE. IF YOU DO NOT HA VI' A
LA WYER OR CANNOT AFFORD ONE, GO TO OR
TELEPHONE TIlE OFFICE SET FORTH REI.OW
TO FIND OUT WHERE YOU CAN GET HEI.P.
LLEVE ESTA DEMANDA A llN ABOGADO
INMEDIA TAMENTE. 51 NO TII,NE AROGADO 0
SI NO TIENE iiI. DINERO SlIFICIENTE DE PAGAR
TAL SERVICO, VAYA EN PERSONA OLLAME
POR TELHUNO A LA OFICINA CUY A
DIRECCION SE ENCUENTRA ESCRITA ABAlO
PARA AVERIGUAR DONDE SE PUEDE
CONSEGUIR ASISTENCIA LEGAL.
,V'"
cUTlbedAnd County BAr Ar.soc;al ion
;, i. ib.:ny Avt'TluC
CArlisle, PA 17013
(717) 249.3166
McCABE, WEISBERG AND CONWAY, P.C.
BY: TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
First Union Building
123 South Broad Street, Suite 2080
Philadelphia, Pennsylvania 19109
(215) 790-1010
Attorney for Plaintiff
Beneficial Consumer
Company
961 Weigel Drive
P.O. Box 8634
Elmhurst, IL 60126
Discount
Cumberland County
Court of Common Pleas
v.
Chesterfield
1019 Grahams
Newville, l?A
and
Awanda R. Armolt
1019 Grahams Wood Road
Newville, l?A 17241
E. Armolt
Wood Road
17241
Number
QIYIL ACTION/MORTGAGE FORECLOS~
1. Plaintiff is Beneficial Consumer Discount Company, a
corporation duly organized under the laws of Pennsylvania and doing
business at the above captioned address.
2. The Defendant is Chesterfield E. Armolt, who is one of
the mortgagors and real owners of the mortgaged property
hereinafter described, and his last-known address is 1019 Grahams
Wood Road, Newville, PA 17241.
3. The Defendant is Awanda R. Armol t, who iLl one of the
mortgagors and r0til owners of the mortgaged property hereinafter
desc~'ibed, and her last-known address is 1019 Grahams Wood Road,
Newville. PA 17241.
4. On November 11, 1994, mortgagors made, executed and
delivered a mortgage upon the premises hereinafter described to
Plaintiff which mortgage is recorded in the Of'fice of the Recorder
of Cumberland County in Mortgage Book 1241, Page 496.
5. The premises subject to said mortgage is described in the
mortgage attached as Exhibit "A" and is known as 1019 Grahams Wood
Road, Newville, PA 17241.
6. The mortgage is in default because monthly payments of
principal and interest upon said mortgage due February 1998 and
each month thereafter are due and unpaid, and by the terms of said
mortgage, upon default in such payments for a period of one month,
the entire principal balance and all interest due thereon are
collectible forthwith.
7. The following amounts are due on the mortgage:
Principal Balance
Interest 01/01/98 through 04/15/99
(Plus $2.41 per diem thereafter)
Attorney's Fee
Cost of Suit
Appraisal Fee
Title Search
$ 4,190.29
$ 737.65
$ 1,500.00
$ 225.00
$ 125.00
S 200.00
GRAND TOTAL
$ 6,977.94
8. 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 based on work actually performed.
9. Notice of Intention to Foreclose as required by Act 6 of
1974 (41 P.S.~403) and notice rpquired by tJle Emergency Mortgage
l\ssistanc,~ Act of 1,J83 have been Hen\. to Defendants by certified
.,',..', ',""..
VERIFICATION
The undersigned, Will Myles, Jr., hereby certifies that he is
the Foreclosure Specialist of the Plaintiff in the within action,
Beneficial Consumer Discount, et-a)_. and that he is authorized to make
this verification 6",:1 :.hat the foregoing facts are true and correct
to the best of his kr.awledge, information and belief and further
states that false scatements herein are made subject to the
penalties of 18 PA.C.S. ~4904 relating to unsworn falsification to
authorities.
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ExrrHBnr'u~,
l.AW OFFIChS
McCABE, WEISBERG & CONWAY, P.C.
SUITE 2080
FIRST t1NIO:-.lltUII.D1NG
12] SOlrl'lllll{()AI>STREET
PIIII.AJ>EJ.I'IIIA, I'ENNSYI.\'^NI^ 19109
(21\)790.1010
SUITE 600
21611ADDON AVf.NlI~
I\'~STMONT. NJ OW'S
(609) 8S8.7080
F.IX (609) 8S8.7020
SU1TES22S
SOO FIFfIl A VENUf.
KEI\' YORK, NY 10110
(212)S7S.1010
FAX (212) S7S.2S37
TERRENel: J. McCAlm
FAX (215)790.127.'
February 18, 1999
Chesterfield E. Armolt
1019 Grahams Wood Road
Newville,PA 17241
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
THE COMMONWEALTH OF PENNSYLVANIA'S
HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE PROGRAM MAY BE ABLE TO HELP YOU.
READ THE FOLLOWING NOTICE TO FIND OUT
HOW THE PROGRAM WORKS.
If you need more information, call the pennsylvania
Housing Finance Agency at 1-800-342-2397.
La notificacion en adjunto es de suma importancia, pues afecta
su derecho a continuar viviendo en su casa. si no comprende el
contenido de esta notificacion obtenga una traduccion
immediatamente llamanda esta agenciFl (Pennsylvania Housing Finance
Agency) sin cargos al numero mencionado arriba. puedes ser
elegible para un prestarno por el programa llamado "Homeowner I s
Emergency Mortgage Assistance program" el cual puede salvar su casa
de la perdida del derecho a redimir su hipoteca.
IMPORTANT: NOTICE OF
HOMEOWNERS' EMERGENCY MORTGAGE
ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE.
YOU !'.AY DE EI,lGIBLE FOR
FINANCIAl, ASfiISTANCE WHICH CAN
SAV~ YOUR HOME fROM FORECLOSURE
EXH I srr ~'B~$
AND H~~QU MAKE FUTUR6
MQRT.GAl1.E.. PAYMEHrIl.
TO:
FROM:
RE:
Chesterfield E. Armolt
Terrence J. McCabe, Esquire
Premises: 1019 Grahams Wood Road, Newville, PA 17241
Account Number: 711715-00-110205
You may be eligible for financial assistance that will prevent
foreclosure on your mortgage if you comply with the provisions of
the Homeowners I Emergency Mortgage Assistance Act of 1983 (the
"Act"). You may be eligible for emergency temporary assistance if
your default has been caused by circumstances beyond your control,
you have a reasonable prospect of resuming your mortgage payments,
and if you meet other eligibility requirements established by the
Pennsylvania Housing Finance Agency. Please read al 1 of this
Notice. It contains an explanation of your rlghts.
Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty (30) days from the date of
this Notice. During that time you must arrange and attend a "face-
to-face" meeting with a representative of this lender, or with a
designated consumer credit counseling agency. The purpose of this
meeting is to attempt to work out a repayment plan, or to otherwise,
settle your delinquency. This meeting must occur in the next (30)'
days.
If you attend a face-to-face meeting with this lender, or with
a consumer credit counseling agency identified in this notice, no
further proceeding in mortgage foreclosure may tal,e place for
thirty (30) days after the date of this meeting.
'I'he name, address and telephone number of the Beneficial
Consumer Discount Company representative is as follows:
WUl Myles
Beneficial Consumer Discount Company
961 Weigel Drive, P.O. Box 8634
Elmhurst, IL 60126
800-959-3482, Ext. 6345
The names and addresses of designated consumer credit
counseling agencies are ",hown on the attached sheet. It is only
necessary to schedule one face-to-face meeting. You should advise
this lClnder immediately of your intentions.
:YQ_UL_l1LQLt-9<l9,~'__i(;,_.i1LJJ.Q[i!_ul.t because yotl have failc<d to pay
promptly instal lment.s of pr,inc:i!;,-al...JlIld.,J.nteI(.';;;t."" as required, for
a period of at 10ast sixty (60) days. The total amount of the
delinquency if; $2,'16].'/6. That snm includes U", following:
prj J1cipa] dlld i nt.('rl'~"t.
Your lllortqi~q(-' .i:", (l]sn in def;1.u"lt 1(1)" the fo.llo'"..dnq reasons:
NI J,
If you have tried and are unable to resolve this problem at or
after your face-to-face meeting, you have the right to apply for
financial assistance from the Homeowners' Emergency Mortgage
Assistance Fund. In order to do this, you must fill out, sign and
file a completed Homeowners' Emergency Assistance Application with
one of the designated consumer credit counseling agencies listed on
the attachment. An application for assistance may only be obtained
from a consumer credit counseling agency. The consumer credit
counseling agency will assist you in filling out your application
and will submit your completed application to the Pennsylvania
Housing Finance Agency. Your application must be filed or
postmarked. within thirty (30) days of vour 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 periods set forth in this letter, foreclosure may proceed
against your home immediately.
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 anplication is accura~
and comnlete in every resnect. The Pennsylvania Housing Finance
Agency has sixty (60) days to make a decision after it receives
your application. During that additional time, no foreclosure'
proceeding will be pursued against you if you have met the time
requirements set forth above. You will be notified directly by
that Agency of its decision on your application.
The Pennsylvania Housing Finance Agency is located at 2101
North Front street, Post Office Box 8029, Harrisburg, pennsylvania
17105; telephone number (717) 780-3800 or 1-800-342-2397 (toll free
number). Persons with impaired hearing can call (717) 780-1869.
In addition you may receive another notice from this lender
under Act 6 of 1974. That notice is called a "Notice of Intention
to Foreclose." You must read both notices, since they both explain
rights that you now have under pennsylvania law. However, if you
choose to exercise your rights described in this notice you cannot
be foreclosed upon while you are receiving that as"istance.
NOTE: Unless you notify t.his office within t.hirty (30) days
after receiving t.his not.ice, t.hat. you disput.e the validit.y of this
debt or any portion thereof, this officl' will assume t.hat the debt
is valid. If you notify t.his office in writ.inCj within thirty (30)
days fron. receiving this notice, this office \oIill: obtain
verif:icat,ion of t.he debt or obt.ain a copy of :judqment and mail you
a copy of such judgment or vcrj(ication., YOll are also advised
that any information which you supp] Y to t.his office may be used by
us in t.he collect.ion of th,' debt. I f you r"quc,.;t t.1I;,; office in
wr:itinq \oI,ithill thirt:y (10) d"y'; after re...civ:inq th:i", this ,?f~ice
wil.l J_Jl-ov,idc you \.:jt.ll 'l-'~jP Ili1nC' dJllilddl:"L:;~~ (11 tllC Ol"lglnal
erect i t{;l~.
during this period. Such payment must be made either by cash,
cashier's check, certified check or money order and made to
:
Beneficial Consumer Discount company
961 Weigel Drive, r.o. Box 8634
Elmhurst, IL 60126
If you do not cure the default within THIRTY (30) DAYS, we
intend to exercise our right to accelerate the mortgage payments.
This means that whatever is owing on the original amount borrowed
will be considered due immediately, and you may lose the chance to
payoff the original mortgage in monthly installments. If full
payment of the amount of default is not made within THIRTY (30)
DAYS, I have been instructed to start a lawsuit to foreclose your
mortgaged property. If the mortgage is foreclosed, your mortgaged
property will be sold by the Sheriff to payoff the mortgage debt.
Once this matter is referred to me for suit, but you cure the
default before I 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
agaillst you, you will have to pay the reasonable attorney I s fees
even if they are over $50.00. Any attorney's fees will be added to
whatever you owe, which may also include reasonable costs. If you
cure the default within the thirty day period, you will not be
required to pay attorney's fees.
We may also sue you personally for the unpaid principal
balance and all other sums due under the mortgage. If you have not
cure,d the default within the thirty day period and foreclosure
proceedings have begun, you 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 any late or other
charges then due, as well as the reasonable attorney I s fees and
costs connected with the foreclosure sale (and perform any other
requirements under the mortgage). It is estimated that the
earliest date that such a Sheriff' 5 Sale could be held would be
approximately 5 months.
A notice of the dat.(, of t.he Sheriff Sale will be sent to you
before the sale. Of course, the amount needed to cure the default
will incnease the l.onger you wait. You may find out at any time
exactly what: the required p'lyment will be by calling the following
number: 800-959-3482, E>:t.. 63~~j. 'J'his payment must be in cash,
cashier's check, cert,ified check or money order and made payable to
us at the addr.efls state.d abo"e.
You "houJd realize that a Sheriff's Sale will end your
ownership of the mort<J'HJcd property and your right to remain in it.
If you continue to Jive in the property after the Sheriff's sale,
it lawsuit coul_d be started to ~vi_(:t you.
You have addjtiulld-i l'iqllt:; to )}(..jr: prot.(.~ct:. you],' :int:('.rcr;t. in
t..h(~ property. \un Ild\'C tht'. J lqld, t.u :.,_,'11 tile'. property tu obtain
money to payoff the mortgage debt, or to borrow money from another
lending institution to payoff this debt. (You may have the right
to sell or transfer the property subject to the mortgage to a b1:lyer
or transferee who will assume the mortgage> debt, provided that aU
the outstanding payments, charges and attorney's fees and costs are
paid prior to or at the sa]e, and that the other requirements under
the mortgage are satisfied). Contact un to determine under what
circumstances this right might exist. You have the right to have
this default cured by any third party acting on your behalf.
If you cure the default, the mortgage will be restored to the
same position as if no default had occurred. However, you are not
entitled to this right to cure your default more than three times
in any calendar year.
NOTE: Unless you notify this office within thirty (30) days
after receiving this notice, that you dispute the validity of this
debt or any portion thereof, this office will assume that the debt
is valid. If you notify this office in writing within thirty (30)
days from receiving this notice, this office will: obtain
verification of the debt or obtain a copy of judgment and mail you
a copy of such judgment or verification. You are also advised
that any information which you supply to this office may be used by
us in the collection of the debt. If you request this office in
writing within thirty (30) days after receiving this, this office
will provide you with the name and address of the original'
credi tor.
~RE PURPOSE OF T~6-QQMMYNICATIO~S TO COLL~ A ~BT AND ~
IN.t.QRH.l'l').'ION Q1l.TAI1IIDLlUlw..J~~-1!ID.llLEQILTHIS PUBJ?~J::-,-
Very truly yours,
TERRENCE J. McCABE
TJM/df
SENT VIlI CEH1'IFIED MlIH
NUMBER Z ~80 910 353
RETURN RECEI P'l' HEQlJESTED
I.^W OFFICJo:!.j
McCABE, WEISBERG & CONWAY, P.C.
SlJrm2fJNO
FIf{ST UNION BUlI,DINO
121 SOtJTIII\IHMI) S'J'f{J(ET
l'IIII.ADEI.I'III^.I'ENNSYI.V^NI^ 1910~
(215)7CJ0.IOHl
",
il:.
;:;
;]';:
F^X (215) 79(J.127.1
SUITE 600
216 HADnON AV\;NlIE
WI~STMON'J', NJ ONlnl(
(609) IU8.70RO
FAX (609) BlH.7020
SUITE lnl
100 FlITH AVENUE
NEW \'ORK, NY 101\0
(212)171.1010
I'AX (212) 171.2137
':i
,
'''i
,
"
,
TERRENCI; J. McCADI;
',;
,,,
.,,1
February 18, 1999
,/
Awanda R. Armolt
1019 Grahams Wood Road
Newville, PA 17241
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
THE COMMONWEALTH OF PENNSYLVANIA'S
HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE PROGRAM MAY BE ABLE TO HELP YOU.
READ THE FOLLOWING NOTICE TO FIND OUT
HOW THE PROGRAM WORKS.
If you need more information, call the Pennsylvania
Housing Finance Agency at 1-800-342-2397.
La notificacion en adjunto es de surna importancia, pues afecta
su derecho a continuar viviendo en su casa. si no comprende el
contenido de esta notificacion obtenga una traduccion
immediatamente llnlnanda eGta agencia (Pennsylvania Housing Finance
Agency) sin cargos al numero mencionado arriba. puedes ser
elegible para un prestamo por el programa llamado "Homeowner's
Emergency Mortgage Assistance program" el cual puede salvar su cas a
de la perdida del derecho a redimir su hipoteca.
IMPORTANT: NOTICE OF
HOMEOWNERS' EMERGENCY MORTGAGE
ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE.
YOU MAY BE ELIGIBLE FOR
FINANCIAL ASSISTANCE WHICH CAN
SAVE YOUP. HOME FROM FORECLOSURE
ANlLllELl',30Jl.J1AKLfJ1.'l'JJRE
KO~AGE PAYHENTB
".
TO:
FROM:
RE:
Awanda R. Armolt
'I'errence ;r. MCCabe, Esqui.re
Premises: 1019 Grahams Wood Road, Newville, PA 17241
Account Number: 711715-00-110205
YmLll@Y..m eligibl!'LfQl:...financial ass.isJ;<lnce that will nrevent
foreclosure on your mortgage if you comply with the provisions of
the Homeowners I Emergency Mortgage Assistance Act of 1983 (the
"Act"). You may be eligible for emergency temporary assistance if
your default has been caused by circumstances beyond your control,
you have a reasonable prospect of resuming your mortgage payments,
and if you meet other eligibility requirements established by the
Pennsylvania Housing Finance Agency. J:>lease read all of this
Notice. It contains an explanation of your rights.
Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty (30) days from the date of
this Notice. During that time you must arrange and attend a "face-
to-face" meeting with a representative of this lender, or with a
designated consumer credit counseling agency. The purpose of this
meeting is to attempt to work out a repayment plan, or to otherwise.
settle your delinquency. This meeting must occur in the next (3Q1'
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 the Beneficial
Consumer Discount Company representative is as follows:
will Myles
Beneficial Consumer Discount Company
961 Weigel Drive, P.O. Box 8634
Elmhurst, IL 60126
800-959-3482, Ext. 6345
'rhe names and addresses of designated consumer credit
counseling agencies are shown on the at:tached sheet. It is only
necessary to schedule, one face-tO-face meeting. You should advise
th is l('nd"J: imm,,,diat.e ly of your i n\:onti O!W.
YQUL-lllQr.J;,.(lilUlO'_,i:;;...J.JLM(;Hl1t becau",' you have failed to pay
promptly installment" of N'in",ipal._amLiJ1t<;ri;'.s_~, as required, for
a period of at least sixty (60) days. The total amount of the
delinquency i" $:'.,4(,1. 76. 'rh,,\: sum includes the following:
)lJ'j nc"i )Iii ,I ':11H'~ :i n1('rp~~t.
NjA.
YOUl" Ji'lOrt(jd(!C _i:~ ;1]f';O j'J d('1iill'l"t for thc~ iol.lo\o.'lnq reasons:
If you have tried and are unable to resolve this problem at or
after your face-to-face meeting, you have the right to apply for
financial assistance from the Homeowners' Emergency Mortgage
Assistance Fund. In order to do this, you must fill out, sign and
file a completed HomeownerHI Emergency Assistance Application with
one of: the designated consumer credit counselinq agencies listed on
the attachment. An application for assistance may only be obtained
from a consumer credit counseling agency. 'I'he consumer credit
counseling agency will assist you in filling out your application
and will submit your completed applicat.ion to the Pennsylvania
Housing Finance Agency. ~Q~\PP~~1tiQn must be filed or
postmarked, within t~ (30) days o~QUL-LPce-to-face meeting.
It is extremely important that you file your application
pronptly. If you do not do so, or if you do not follow the other
time periods set forth in this letter, foreclosure may proceed
against your home immediately.
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~r application is accurate
and com~e 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
proceeding will re pursued against you if you have met the time
requirements set forth above. You will be notified directly by
that Agency of its decision on your application.
'1'he Pennsylvania Housing Finance Agency is located at 2101
North Front street, Por;t 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 (717) 780-1869.
In addition you may receive another notice from this lender
under Act 6 of 1974. That notice is called a "Notice of Intention
to Foreclose." You must read both noti ces, since they both explain
rights that you now have under Pennsylvania law. However, if you
choose to c}:ercise your riqhts described in this notice you cannot.
be foreclosed upon while you ar.c receivillg that assistance.
NOTE: Unless you notify this office within thirty (30) days
aft.er rec:eiving this notice, that you disput.e t:he validity of this
debt or any port.i on thel'eof, this off ice wi 11 assume t.hat the debt
is valid. If you notif,y this off.ice in ,.:riling within thirty (30)
days from rc<.",iv.inq this not,ice, tili" office will: obtain
verification of the dcbt or obtain il copy of judqment and mail you
a copy of such jucl'lment or verification. You are also advised
that any infm:lliation \<"I1icil you :;upply t.O this office may be used by
us in the co11<'ct.10n of t.ile debl. ) 1 you reque:;t this office in
\.!Jitinq ".all;" t1,i,.t,y (30) dilye, :l11l'1 1,,('C'i\'i"Ij till:;, this office
\-.'.11.1 provide' YO\l \o,'itli t lH_' !li'llll(' dll(] "IIdl""::":; (,1' the' original
cn,d.i tor.
I.A W OFFICES
McCABE, WEISBERG & CONWAY, P.C.
surm 20RO
FIHST llNlt)N IlUII.1>ING
12;\ ~OUTII UHOAl> STREET
J1II1I.A1JEI.PIIIA, l'ENNS\'I.VANIA 19109
(21~) 790.11I10
SIJITE 600
21(iIIADDON AVENUE
WESTMONT, NJ 0lH08
(li09)8SS.70RO
FAX (609) 85..702<1
81J1T&5225
lOa I'Inll A VI;NUE
NEW YORK, NY 10110
(212) 515,1010
FAX (212) 575.25)7
TERRENel; J, McCAlm
FAX (2U) 790.1274
February 18, 1999
Awanda R. Armolt
1019 Grahams Wood Road
Newville,PA 17241
HQTICE OF INTENTION TO FORECLOSE MORTGAGE
~SE READ ALL OF THIS NOTICE
LENDER: Beneficial Consumer Discount company
ACCOUNT NUMBER: 711715-00-110205
MORTGAGE dated November 11, 1994 and recorded November 11, 1994 in
Mortgage Book 1241, page 496
REAL ESTATE: 1019 Grahams Wood Road, Newville, PA 17241
Dear Awanda R. Armolt:
The MORTGAGE held by Beneficial Consumer Discount company
(hereinafter we, \1S or ours) on your property located at 1019
Grahams \~ood Road, Newville, l'A 17241 IS IN SERIOUS DEFAULT because
you have not made the monthly payments of $175.84 for the months of
January, 1.998 through February, 1999, and/or because of this
failure to remit.
Late charges, and other charges have also accrued to this date
in t:he amount of $0.00. The t.otaI amount now required to cure this
default, or in other ~"'nj,o gel. caught up in your payments, as of
the date of this letter is $2,461.76.
You may cure this dpf"ult within TBIH1'Y (30) DAYS of the date
of thi" letter, hy p"yinq to llS the ilbove, ill1lOunt of $2,461.76 plus
any addit.jolldJ ]ilDJlLllly II(lyn~i'l1ls dnd late ClJdrc;c ,,-'hieh lnay fall due
during this period. SlIch payment must be made either by cash,
cashier's check, certified check or money order and made to
,
Jieneficial Consumer Discount Company
961 weigel Drive, P.O. Box 8634
Elmhurst, n, 60126
If you do not cure the default within THIR'l'Y (30) DAYS, we
intend to exercise our right to accelerate the mortgage payments.
This means that whatever is owing on the original amount borrowed
will be considered due immediately, and you may lose the chance to
payoff the original mortgage in monthly installments. If full
payment of the amount of default is not made within THIRTY (30)
DAYS, I have been instructed to start a lawsuit to foreclose your
mortgaged property. If the mortgage is foreclosed, your mortgaged
property will be sold by the Sheriff to payoff the mortgage debt.
Once this matter is referred to me for suit, but you cure the
default before I 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, which may also include reasonable costs. If you
cure the default within the thirty day period, you will not be
required to pay attorney's fees.
We may also 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
proceedings have begun, you 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 any late or other
charges tlwn due, as well as the reasonable attorney's fees and
costs connected with the foreclosure sale (and perform any other
requirements under the mortgage). It is estimated that the
earliest date that such a Sheriff's Sale could be held would be
approximately 5 month".
1\ notice of the date of the Sheriff sale wi 11 be "ent 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 wiJ.l be by calling the following
number: 800-959-3482, E>:t. 6345. '1'his payment: must be in cash,
cashier's check, certified check or money order and made payable to
us at the address stated above.
You should real.ize that a Sheriff's Sale wil.! end your
ownership of the Il\ort.gaged property and your right to remain in it.
If YOll cont.inue to Live in the property after the Sheriff's Sale,
a lawsuit could )"2 started to evict you.
~'Ol1 h;lve d.dd.i t. j(Jl1d.l r .1lJll1.::' to lIt,] J) P10t,('('1' }'Clll J- .i nt.('rcst in
the propf'l"ty. YCI\] l1ilV(> t]jl~ r.iql1t 1.<) ~~(~ll t,})(! Pl.oJH,.rty tu ob.tai.n
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McCABE, WEISBERG AND CONWAY, P. C .
BY : TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
First Union Building
123 South Broad Street, Suite 2080
Philadelphia, PA 19109
(215) 790-1010
Attorney for Plaintiff
BENEFICIAL CONSUMER DISCOUNT
COMPANY
CUMBERLAND COUNTY
COURT OF CO~~ON PLEAS
v.
CHESTERFIELD E. ARMOLT AND
AWANDA R. ARMOLT
NUMBER: 99-2439
ASSESSMENT OF DAMAGES AND ENTRY OF JUD~~T
TO THE PROTHONOTARY:
Kindly enter judgment by default in favor of Plaintiff and
against Defendant in the above-captioned matter for failure to
answer Complaint as required by pennsyl vania Rules of Civil
Procedure and assess damages as follows:
principal
Interest from 4/16/99 - 7/26/99
TOTAL
$ 6,977.94
$ 245.82
$ 7,233.76
/ ~ t !lltl!d.;f
TERRENCE J. McCABE, ESQUIRE
Attorney for Plaintiff
AND NOW, this .2o.Jl~ day of
J(_,..-Ly
, 1999,
Judgment is entered in favor of Plaintiff, Beneficial Consumer
Discount Company, and against Defendant, Awanda R. Armol t and
damages are assessed in the amount of $7,233.76 , plus interest and
costs.
BY THE 'ROT"ONOTARY, ~
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McCABE, WEISBERG AND CONWAY, P. C.
. BY: TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
First Union Building
123 South Broad Street, Suite 2080
Philadelphia, PA 19109
(215) 790-1010
Attorney for Plaintiff
BENEFICIAL CONSUMER DISCOUNT
COMPANY
v.
CHESTERFIELD E. ARMOLT AND
AWANDA R. ARMOLT
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
NUMBER: 99-2439
AFFIDAVIT OF NON-MILITARY SERVICE
COMMONWEALTH OF PENNSYLVANIA:
SS.
COUNTY OF CUMBERLAND
The undersigned, being duly sworn according to law, deposes
and says that the Defendant is not in the Military or Naval Service
of the United States or its Allies, or otherwise within the
provisions of the Soldiers' and Sailors' Civil Relief Act of
Congress of 1940 as amended; and that the Defendant, Awanda R.
Armolt, is over eighteen (18) years of age, and resides at 1019
Grahams Wood Road, Ne\qville, PA 17241
SWORN TO AND SUBSCRIBED
BEFORE ME THIS .,;MDAy
.::1</lY
/ ~cJ..' M~/ib-t
TERRENCE J. Mc ,ESQUIRE
Attorney for Plaintiff
OF
, 1999.
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CUMBERLAND
OFFICE OF THE PROTHONOTARY
COURT OF COMMON PLEAS
COUNTY COURTHOUSE, CARLISLE,
,
PA
17013
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LAWRBNClll E. WBLKER
prothonotary
July 2, 1999
To: Awanda R. Armolt
1019 Grahams Wood Road
Newville, PA 17241
Beneficial Consumer Discount
Company
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
v.
Chesterfield E. Armolt
Awanda R. Armolt
NUMBER 99-2439 Civil
NOTICE, RULE 237.5
NOTICE OF PRAECIPE TO ENTER JUDGMENT BY DEFAULT
IMPORTANT NOTICE
You Ire fn default because you hive felled to
enter a written appearance per.onally or by
attorney and fiLa In wrftlns with the Court
vour defenses or abJectf~8 to the cLafma let
forth aselnet you. UnLee. you ect within ten
(10) deya fr.. the dete of thle nottce, a
Judument may be entered .safnet you without
. h.artng end you ~y loac your property or
other fmportant rights. You should take this
notice to . lawyer at once, If you do not
have . llwyer or clnnot afford on., 80 to or
telephone the followlns offico to ffnd out
whore you con uet Les.l heLp:
NOTII1ICACION IMl'ORTANTE
Usted ae encuentre en estado de rebeldfe par
no heber presenttdo una comparee.neta .scrltl,
VB sea perloNllmente 0 por .bog.do y por no
haber r.dlcado por eecrlto con aeto Trltu..1
nUl defenses U obJeclonel . lOI reclemol
forltl.llado6 en contrl luyo. At no tomer la
.cclon dabtda dentro de diu (10) diu de Ie
feche de este notfffcaclon, et Tribunal podr.,
aln necesfded dl comparecer usted In cart, u
air prtuba Ilgunl, dlctlr IIl1tencfa In IU
contrl V usted podrt. perder bfen,. u otrol
derechos Important... Debe llevftr elt.
notlficaclon I un ebogado tnmec:lfltl!lMntl. Sf
usted no time abosado, 0 8t no tlen. dlntro
suflcllntl pera tel lervlclo, Vlya In persona
o ll~ por telefono I II oflcin_, nombr.dl
perl Iverfguer II puede conaegufr ."'tencl,
le9al.
Court Admlnt.trator
Cuoberl.nd county Courthoue.
C.rlieLa, PA 17013
(717) 240.6200
Court A.."infstrator
ClJltserlend County CourthDuse
C.rLI.le, PA 17013
(717) 240-6200
TJM/db
If you bave any questions concerning this notice, plea.e calli
Terrence J. McCabe, Esquire
McCABE, WBISBERG AND CONWAY, P.C.
First Union Building
123 Soutb Broad Street, Suite 2080
Pbiladelp~ia, Pennsylvania 19109
at tbia telephone numberl (215) 790-1010
EXHIBIT
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IN 'mE CXXJRl' OF CCtHlN PLEAS OF ClIoIBER1AND COON'lY, PmNSYLVANIA
BENEFICIAL CONSUMER DISCOUNT CO. CIVIL DIVISION
961 Weigel Drive, P.O. Box 8634 File No. 99-2439 Civil
Elmhurst, IL 60126 cJ I
~ CV C 0\,\ C(at(livY\ ~t Due $7 .233. 76
-cHI!S.r.kHELIl 1!."t.RlIOI"I] L i flCL- I7l : I~terest from 7/27/99
l6lg 8..alu:uu... Uuud Read' I
N.,..lll~, FA 17241 1-2..-11 litty's Comn $1.61S.~-ev c.,'\A\Jq('X"'1~\
and Costs" ,/" I
Awanda R. Armolt ",-i T'Vl. ,(...{ lttCL-
1019 Grahams Wood Road, Newville, PA 17241 q- ~ -'(1
'l"O THE PRCYIHON::JTARY OF THE SAID COURT: ]JIfi
The undersigned hereby certifies that the below does not arise out of a retail
installment sale, contract, or account based on a confession of judgment, but if it does,
it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as
amanded, and for real property pursuant to Act 6 of 1974 as arrended.
PRAEX:IPE FOR EXEX:l1l'ION
Issue writ of execution in the above rretter to the Sheriff of Cumberland
County, for debt, interest and costs upon the following described property of the
defendant(s) 1019 Grahams WooQsRoad, Newville, PA 17241
(see attached description)
PRAEX;IPE FOR A'ITACItlENl' EXEX::lJl'IOO
Issue writ of attachrrent to the Sheriff of N/A County. for debt,
interest and costs, as above, directing attachment against the above-namad garnishee(s) for
the following property (if real estate, supply six copies of the description; supply four
copies of lengthy personalty list)
and all other property of the defendant(s) in the possession. custody or control of the
said garnishee(s).
(Indicate) Index this writ against the garnishee(s) as a lis pendens against
real estate of the defendant(s) described in the attached exhibit.
DATE: R/11/QQ Signature: ~7J(1tJ Y;{/~Je
Print Name: TERRENCE J. McCABE, ESQUIRE
lZ3 S. Broad Street, ~u1te LU~U
Address: Philadelphia, PA 19109
Attorney for: Plaintiff
Telephone: (215) 790-1010
SupreJre Court ID No.: 1 ti (,9 ti
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~ If real property, supply six copies of description including :irrprovemmts and an
original and copy of affidavit of ownership (PaR.C.p. No. 3129).
If lengthy personalty list, supply four copies of list.
To index writ, file separate praecipe with writ.
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3. Name and last known address of every judgment creditor
whose judgment is a record lien on the real property to be sold:
Name
Address
Sears & Roebuck Co.
3595 Capital City Mall
Camp Hill, PA 17011
Beneficial Consumer Discount
Company
961 Weigel Drive,
P.O. Box 8634
Elmhurst, IL 60126
4. Name and address of the last recorded holder of every
mortgage of record:
Name
Address
Beneficial Consumer Discount
Company
961 Weigel Drive
P,O. Box 8634
Elmhurst, IL 60126
5 . Name and address of every other person who has any
record interest in or record lien on the property and whose
interest may be affected by the sale:
Name
Address
None.
6.
Plaintiff
which may
Name and address of every
has knowledge who has any
be affected by the sale:
other person of whom the
interest in the property
Name
Address
Occupant(s)
1019 Grahams Woods Road
Newville, PA 17241
I verify that the statements made in this Affidavit are true
and correct to the best of my personal knowledge or information
and belief. I understand that false statements herein are made
subject to the penalties of 18 Pa.C.S. Section 4904 relating to
unsworn falsification to authorities.
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McCABE, WEISBERG AND CONWAY, P.C.
BY: TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
First Union Building
123 South Broad Street, Suite 2080
Philadelphia, PA 19109
(215) 790-1010
Attorney for Plaintiff
BENEFICIAL CONSUMER DISCOUNT
COMPANY
v.
CHESTERFIELD E. ARMOLT AND
AWANDA R. ARMOLT
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
NUl~BER: 99-2439
AFFIDAVIT OF SERVICE
I, Terrence J. McCabe, Esquire, attorney for the Plaintiff in
the within matter, hereby certify that on the 1st day of September,
1999, a true and correct copy of the Notice of Sheriff's Sale of
Real Property was served on the following lienholders:
Sears & Roebuck Company
3595 Capital City Mall
Camp Hill, PA /1tJ//
Occupant(s)
1019 Grahams Wood Road
Newville, PA 17241
Copies of the letters and certificates of mailing are attached
hereto, made a part hereof and marked as Exhibit "B."
~~(/€-Y? I!I~~
TERRENCE J. McCABE, ESQUI
Attorney for Plaintiff
SWORN TO AND SUBSCRIBED
BEFORE ME THIS /-(./ DAY
OF /y;W?1<-h--J , 1999.
/()~/)u4</ tJfi-(4j.--r~
NOTARY PUBLIC
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McCABE, WEISBERG AND CONWAY, P.C.
BY, TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
First Union Building
123 South Broad Street, Suite 2080
Philadelphia, PA 19109
(215) 790-1010
Attorney for Plaintiff
BENEFICIAL CONSUMER DISCOUNT
COMPANY
v.
CHESTERFIELD E. ARMOLT AND
AWANDA R. ARMOLT
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
NUMBER: 99-2439
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: Awanda R. Armolt
1019 Grahams Woods Road
Newville, PA 17241
Your house (real estate) at 1019 Grahams Woods Road (more
fully described as attached) is scheduled to be sold at Sheriff's
Sale on December 8, 1999 at 10:00 a.m. in the Commissioner's
Hearing Room located on the 2nd Floor of the Cumberland County
Courthouse, 1 Courthouse Square, Carlisle, Pennsylvania 17013, to
enforce the court judgment of $7,233.76 obtained by Beneficial
Consumer Discount Company against you.
NOTICE OF OWNER'S RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriff's Sale you must take immediate action:
1. The sale will be canceled if you pay to Beneficial
Consumer Discount Company the back payments, late
charges, costs, and reasonable attorney's fees due.
To find out how much you must pay, you may call
Terrence J. McCabe, Esquire at (215) 790-1010.
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 the following notice 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 Terrence J. McCabe, Esquire at (215) 790-1010.
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 due on the sale. To find out if this has
happened, you may call Terrence J. McCabe, Esquire at (215)
790-1010.
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 a 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 real estate. A schedule of distribution of the
money bid for your real estate will be filed by the Sheriff
on January 7. 2000. 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 schedule of distribution is wrong) are
filed with the Sheriff within ten (10) days after Januarv
7. 2000.
7. You may also have other rights and defenses, or ways of
getting your real estate 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,
LAWYER REFERRAL SERVICE
COURT ADMINISTRATOR
4TH FLOOR,
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PENNSYLVANIA 17013
(717) 240-6200
OR
CUMBERLAND COUNTY
BAR ASSOCIATION
2 LIBERTY AVENUE
CARLISLE, PA 17013
(717) 249-3166
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A-LL tllOSB TWO CERrA-IN trocll or Ilnd ,ltulle'ln, Upper Prankrord TownshIp,
Cumberland Counl)', Pennl)'lvnlllo, bounded and described os rellowa: .
TRA~T Nn. 1!
BEGlNNINO In Ihe road ,..d'n/: from Blomvll/. (0 [.andlsbil'l: thence Norrh S
delfCCllIlIl 19.8 P=h.,IO a Ilone II In eld chlmnel'j !hence Nonh 23 J/2 deJI'CC1 Earl' 6 "
J1Cr;hello,a point: !henee South 61 1/2 de~el.lIalt 27 jlC/'Chel 10 a palnl; lhence Soulh 72
~egreel lI1I114.7 perch'l to I'polnr (laid distance hiving been erreneoUlly d.....lbed In prior
deedl u 147 pere~e.): thence SOUI~ 21 d.greu W.,t 21.3_p<rche. 10 I poln~ thence Nonh 71
d.rru,j W.'1'9.6 pereh'IIO apolnr,lh. Plac.o/BEGINNING. , . ,
CONT AINrNO 4 acrel, more or leu. .
, .
TRA~T Nn ~:
BEorNNING It a while oak: th.nce by laid toad Icadln'la l.andlsburg Nimh 22
de"mE..,tI7,5 p<rehelto a POil: Ih.nce North 16 If4 deg~el EISlI4.7 perchca!Q I.polnl:
thence NOM 6 .dlll'ee.-Bast 34.4 porehellO' pol~ Ihen'OODY land. nor Qr rermerl)' of OIarJea
Sn)'der. Saulh 60 deare.. Wear 12 perches to I point: Ihence b)' Jands now or rormerly of O. W,
M)'CrI. South 13 de:rCCI Wesl 51 perch.,lo I while oak; thence, by land. now or (onnerl)' of '
Clarence llanlck,Soulh 45 degrees lIolt 12.9 ptrchulO the Pllco o(DEOINNING.
C:ONTAINU:'G 4 e~re~'ond 45 perchCl, more Dr Jell,
LESS, HOWEVER, the riorth.rn ponlon .or nld Tract !>fo. 2 conulnln, 2.09lcre., the
lime hav!n, been prevloull)' conveyed b)l Leroy Ie. Barrlck and wlr. 10 Prancll A, Sirntz and
Cwo A. Salnla, hI. wire., by deed dllcd April 12. 1947; Ind recorded'Jn lllo omce of llle
llecQrder"a~ O.edsln and ror Cumb~rllnd,CoUnll' In Doed Boo~ "L", Volumol3. Pale 51.5., ,
BEING the same premises which Chesterfield E. Anno1t snd Awanda '
R. Armolt, hfw, by need 'dated January 13, 1994, and recorded in the.
.. . Office 'of the-Recorder-in-and 'for- Cumberlail.d-Colinty':lJj Deed lloal<
36-T, Page 330, granted and conveyed to Chesterfield E. Armolt BOd
Awanda R. Armolt, h/w.
EXHIBIT "P\'
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"MCCABE, WEISBERG AND CONWAY, P.C.
BY: TERRENCE J. McCABE, ESQUIRE
Identification Number 16496
First Union Building
123 South Broad Street, Suite 2080
Philadelphia, PA 19109
(215) 790-1010
Attorney for Plaintiff
BENEFICIAL CONSUMER DISCOUNT
COMPANY
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
v.
CHESTERFIELD E. ARMOLT AND
AWANDA R. ARMOLT
NUMBER: 99-2439
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: Awanda R. Armolt
1019 Grahams Woods Road
Newville, PA 17241
Your house (real estate) at 1019 Grahams Woods Road (more
fully described as attached) is scheduled to be sold at Sheriff's
Sale on December 8, 1999 at 10:00 a.m. in the Commissioner's
Hearing Room located on the 2nd Floor of the Cumberland County
Courthouse, 1 Courthouse Square, Carlisle, Pennsylvania 17013, to
enforce the court judgment of $7,233.76 obtained by Beneficial
Consumer Discount Company against you.
NOTICE OF OWNER'S RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriff's Sale you must take immediate action:
1. The sale will be canceled if you pay to Beneficial
Consumer Discount Company the back payments, late
charges, costs, and reasonable attorney's fees due.
To find out how much you must pay, you may call
Terrence J. McCabe, Esquire at (215) 790-1010.
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 the following notice 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 Terrence J. McCabe, Esquire at (215) 790-1010.
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 due on the sale. To find out if this has
happened, you may call Terrence J. McCabe, Esquire at (215)
790-1010.
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 a right to remain in the property until the full
amount due is pai.d 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 real estate. A schedule of distribution of the
money bid for your real estate will be filed by the Sheriff
on Januarv 7. 2000. This schedule will state who will be
receiving that money. The money will be pai.d out in
accordance with this schedule unless exceptions (reasons
why the proposed schedule of distribution is wrong) are
filed with the Sheriff within ten (10) days after January
7. 2000.
7. You may also have other rights and defenses, or ways of
getting your real estate back, if you act immediately after
the sale.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT O~~~.
IF YOU DO NOT HAVE A LAWYRR OR CANNOT AFFORD
GO TO OR TELEPHONE THE OFFICE LISTED BELOW ~O ~~ND
OUT WHERE YOU CAN GET LEGAL HELP.
LAWYER REFERRAL SERVICE
COURT ADMINISTRATOR
4TH FLOOR,
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PENNSYLVANIA 17013
(717) 240-6200
OR
CUMBERLAND COUNTY
BAR ASSOCIATION
2 LIBERTY AVENUE
CARLISLE, PA 17013
(717) 249-3166
-:"-:.-:.!.:.J
THE PATRIOT NEWS
THE SUNDAY PATRIOT NEWS
Proof of Publication
Under Rct No, 587, 8oorolled Mall 16, 1929
Commonwealth 01 Pennaylvanla, County 01 Dauphin} ss
Michael Morrow being duly sworn according to law, deposes and says:
That he Is the Assistant Controller of THE PATRIOT.NEWS CO., a corporation organized and exisllng under the laws
of the Commonweallh of Pennsylvania, with lis principal oflice and place of business at 812 to 818 Markel Street, In
the City 01 Harrisburg, County of 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 tha Clly, County and State aforesaid; Ihat THE PATRIOT.NEWS and THE SUNDAY PATRIOT-NEWS were established
March 4th, 1854, and September 181h, 1949, respectively, and all have been conllnuously published eVer since;
That the printed nollce or publication which is securely allached hereto Is exaclly as printed and published In
their regular dally and/or Sunday and Metro editionslissues which appeared on the 26th day of October and the 2nd
and 9th day(s) of November 1999, That neilher he nor said Company is interested in the subject maller of said
printed nollce or advertlsln9. and that all of the allegations of this stalement as to the time, place and character of
publication are true; and
That he has personal knowledge of the facts aforesaid and Is duly authorized and empowered to verify this
statement on behalf of The Patriot-News Co, aforesaid by vlrtuo and pursuant to a resolution unanimously passed and
adopled severally by the stockholders and board of directors of the said Company and subsequenlly duly recorded in
the office lor the Recording of Deeds in and for said County of DauPhlnin Mlscellanaous Book "M",
Volumo 14, Page 317. .
i
PUBLICATION
COPY
SALE #42
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Sworn
~
IS 8lh 0 Nove 9 A,D,
Te'ryL R"SSOlI, Noto ~~ _ ?/J/~
Harri!;burg, Dauphin ou Iy NOT Y PUBLIC ..........,
My ComrTll~slon Explros Ju 6, 2002
Member, Pennsylvania Assocla~o~f'boMfWrsslon expires June 6, 2002
CUMBERlAND COUNTY SHERIFFS OFACE
COURlH::lUSE
CARLISLE, PA. 17013
Statement of Advertisina Costs
To THE PATRIOT-NEWS CO" Dr,
For publishing the notice or publication aUachod
hereto on tho above stated dates $
Probating same Notary Fee(s) $
Total $
365,06
1.50
366.56
Publisher' a Receipt for AdvertiSing Coat
THE PATRIOT.NEWS CO" publisher of THE PATRIOT-NEWS and THE SUNDAY PATRIOT.NEWS, newspapers of general
circulation, hereby acknowledge receipt of the aforesaid notice and publication costs and certifies lhat the same have
been duly paid. THE PATRIOT-NEWS CO,
By....,.................,......................,.......,..........,...
~ -__L_,
THE PATRIOT NEWS
THE SUNDAY PATRIOT NEWS
Proof of Publication
Under Act No, 507, AODroued Ma~ 16, 1929
Commonweelfh of Pennaylvanla, County 01 Dauphin} aa
Michael Morrow being duly sworn according to law, deposes and says:
That ha Is the Assistant Controller of THE PATRIOT.NEWS CO., a corporation organized and exlsllng under the laws
of the Commonwealth of Pennsylvania, with Its principal office and place of business at 812 to 818 Market Street, In
the City of Harrisburg, County 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, respectively, and all have been continuously published ever since;
That the printed notice or publication which Is securely alfached hereto Is exactly as printed and published In
their regular dally andlor Sunday and Metro edltlonsllssues which appeared on the 26th day of October and the 2nd
and 9th day(s) of November 1999, That neither he nor sold Company Is Interested In the subject molter of said
printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of
publication are true; and
That he has personal knowledge of the facts aforesaid and Is duly authorized and empowered to verify this
slatement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and
adopted severally by the stockholders and board of directors Of the sold Company and subsequently duly recorded In
the office for the Recording of Deeds In and for said County of Dauphln~ln Miscellaneous Book "M-,
Volume 14, Page 317, , !
I i
,
PUBLICATION
COpy
SALE 1#42
Sworn
'--'-
, ~~
e IS 8th 0 Nove 9 A,D.
N0I3,I.1 Soa\ ~ V-
rCfoyL."""oll,NOI3 P lie ~
HllHisl.1urg, Dauphin ou Iy NOT V PUBLIC ~.
My CornfT1i5Sfon Expires Ju 6, 2002
Merntlar, Pennsylvania ASSOciattel1,oHiPMiWrssion expires June S, 2002
":'jjEA~'1l Ira BALE NO. 42
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"""",~". DESCRIPTION
'All n.f6l1E TWO CERTAIN lnicii' 01
'l8ndoHuale ",Ullll8r ~/llIlklo"'Town.hlp,
Cumberland.\ ,CourltYi ", Pennlylvanlo,
bounded III1d deacribe<laalollowa:' " .
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',' ....i~_Isher's Receipt for Advertising Cost
. ,.ier of THE PATRIOT.NEWS and THE SUNDAY PATRIOT-NEWS, newspapers of general
~~~='~. ecelpt of the aforesaid nollce and publication costs and certifies that the same have
'CI8lIiI8lI.w.;;lt.3 ~roh... to '8 point, THE PATRIOT-NEWS CO,
. ,~'~1:j'dIQrNa',w", 39,S
= do.ci':)-pQlnt. ,1hIl, ~of
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CUMBERlAND COUNTY SHERIFFS OFACE
COUATH:JUSE
CARLISLE. PA, 17013
Statement of Advertisino 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) $
T~~ $
365,06
1.50
366,56
By.....,..,....,....,......,.........................................,
.--"
PROOF OF PUBLICATION OF NOTICE
IN CUMBERLAND LAW JOURNAL
(Under Act No. 587, approved May 16,1929), P. L.1784
STATE OF PENNSYLVANIA:
COUNTY OF CUMBERLAND :
55.
Roger M. Morgenthal, 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 publislted in the Borough of Carlisle in the County and Slate
aforesaid, was established January 2, 1952, and designated by the local courts as the official legal
periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly
issued weekly in the said County, and that the printed notice or publication attached hereto is
exactly the same as was printed in the regular editions and issues of the said Cumberland Law
Journal on the following dates,
viz:
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.
REAL ESTATE 8ALE NO. 42
~!4/i
Rog M. Morgenthal, Editor
Wr11 No, 99-2439 CI\1I
Beneficial Consumer
DJscount Company
v.
Chesterfield E. Armolt and
Awanda R. Armolt
Atty.: Terrence J. McCabe
ALL 1lfOSE lWO CERTAIN (mc(s
of land sHuate 1n Upprr FrankIord
Townshtp. Cumberland County,
Pennsylvania. bounded and de.
SCr1bed as (allows:
TRACT NO, 1:
BEGINNING In the road leadJn~
from BJoservllJe to Landlshurg:
lhence NOrtJl 8 degrees East J9.8
perches to a slone at an old dUJ1l11ey:
Ulcoce North 23 J 12 degn-es East 6
, perches to a potnt: lhener South 61
.i 1/2 degrees East 27 perches (0 a
potnt; thence SauUI 72 degrees Easl
14.7 perches 10 a point (saJd dlslan""
havtn,q' been erroneously descr1bed
tn prior .dc."eds as 147 p(:rdlclIl):
ttu~~ncc South 2J dt'~I'l"t"!'i Wt'st 21.3
perche.. (0 a polnl: lht'.fK"f' North 7 J
degrer. Wr:st .39.6 perch~1 to a poUlt,
the PIoce of BEGINMNG,
SWORN TO AND SUBSCRIBED before me this
---L-dayof NOVEMBER. 1999
~...;;., ./.~)
I SEAL
IOt6 E, SNYDER, .....,,)' "'bli<
Cool;Uo 10.... Cumboriond Co""",,. 'A
Mol" CotnfftiNion hptrlh Match 5, 1001
i
I
(
CONTAINING " 1lI1:"rP''', ~ Of'
ku,
11lACT NO.2:
lU:GINNING a1 a ~:hllt' oak: thr':Jl('('
,'), .....ld TOad Il"adlll~ 10 Las'liliIl,!JUrJt
N"rth 22 d("~.. F..aM 17.5 prrrht"~
to a 1)0"'(; tht'lX't' Nol1J. Ia i l" dt'.
~'&aftl 1".7 1W'n-hr'$ 10 iil 1)olIlt;
UlrtW'r Nof1h 0 ~I Ea(lJ;t 3.....
pt'tdM"~ 10 a ~t: O~ by la;'Il1...
nO'w or fort'lll"'rly of Oar1n Sfl~',jl"t.
SouthOOdr-,(.rT'.('~\\In.t 12pt'Jl.hr'~'()
.. paull; tb"1N" by land. 'at"'. HI lUI'
mr:r'J)' 01 G.W. ">""'. South 1.11k
1CR'n\\.lr.. 51 .......f"" to a ""jIlt" l),tio.
UW1)(l' hv L..lId. Ill''''' fW In! ill'"th ..I
(1,;UroIWl"'Ii.tl'11' h, ....'IIJ1JI 4", ,1, 1.',11....
1-:.'1"1 I') ,+ ;>1"" II. ~ 'u" ," T ',1