HomeMy WebLinkAbout99-03151IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
BENEFICIAL CONSUMER DISCOUNT
COMPANY, d/b/a BENEFICIAL MORTGAGE
COMPANY OF PA, ) No.
) 99
Plaintiff
(v i ?? yz p l
vs. ) ACTION IN MORTGAGE
FORECLOSURE
CYNTHIA GENE MIDDLETON, a/k/a CYNTHIA )
GENE LUSH, )
Defendant )
NOTICE
You have been sued in Court. If you wish to defend against the claims set forth in the following
pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering
a written appearance personally or by attorney and filing in writing with the Court your defense or objections
to the claims set forth against you. You are warned that if you fail to do so the case may proceed without
you and a judgment may be entered against you by the Court without further notice for any money claimed
in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property
or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE
A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH
BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Cumberland County Bar Association
2 Liberty Avenue, Carlisle, PA 17013
(717) 249-3166
GINGRICH, SMITH, KL GENSMITH & DOLAN
By: -
er ert en ersan, sgwre
Attorney for Plaintiff
222 S. Market St., P. O. Boa 267
Elizabethtown, PA 17022
(717) 367-1370
Attorney I.D.# 56304
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
BENEFICIAL CONSUMER DISCOUNT
COMPANY, d/b/a BENEFICIAL MORTGAGE
COMPANY OF PA,
Plaintiff
VS.
CYNTHIA GENE MIDDLETON, a/k/a
CYNTHIA GENE LUSH,
Defendant
No. q 4 - 3i?" i Ccc.. t Te
ACTION IN MORTGAGE
FORECLOSURE
COMPLAINT
1. Plaintiff, Beneficial Consumer Discount Company, doing business as Beneficial Mortgage
Company of Pennsylvania, is a Pennsylvania Business Corporation organized and existing under the laws
of Pennsylvania, having a principal place of business at 4910 Carlisle Pike, Suite 104, Cumberland County,
Pennsylvania 17055.
2. Defendant, Cynthia Gene Middleton, a/k/a Cynthia Gene Lush, is an adult individual, currently
residing at 5965 Eberly Drive, Mechanicsburg, Pennsylvania 17055.
3. This action is based on a certain mortgage dated May 22, 1996, which mortgage was executed
by Defendant in favor of Plaintiff and was recorded in the Recorder of Deeds Office in and for Cumberland
County on or about May 23, 1996 at Record Book 1321, Page 852. Said Mortgage and Note are attached
hereto and marked Exhibit "A".
4. The Defendants are not in the military service of the United States of America or any of its allies.
5. The premises subject to said mortgage is described as follows:
ALL THAT CERTAIN: property situated in the township of Hampden in the County of Cumberland
and Commonwealth of Pennsylvania. Being more fully described in a fee simple deed dated 7/26/95 and
recorded 7/27/95. Among the land records of the County and State set forth above.
6. The said mortgage is in default and subject to foreclosure because the Defendant failed to make
payments when due in accordance with the terms and conditions on the Note and Mortgage.
7. In accordance with the terms and conditions of the Mortgage, the whole principal debt secured
thereby has become due and payable and recoverable immediately together with all interest due thereon with
reasonable attorney fees and cost of suit.
8. The amount due on said mortgage as of May 4, 1999, is computed as follows:
Principal balance due - $7,597.66
Delinquent interest - 1,007.49
Late fees -
0.00
Per diem ($5.75/day from 5/04/99) - 0.00
Attorney fee (5%) - 430.26
TOTAL - $9,038.41
10. The requirements of Act 6 of 1974 and the requirements of Act 91 of 1983, if applicable, which
were sent by certified and regular United States mail, have been fulfilled and copies thereof are attached
hereto and marked collectively as Exhibit "B".
WHEREFORE, Plaintiff demands judgment against Defendant in the sum of $9,038.41, together
with costs, interest and attorney fees for the foreclosure and sale of the mortgaged premises.
Respectfully submitted,
GINGRICH, SMITH, KLING13NSMITH & DOLAN -j'L± By:? I ' i
er ert Henderson, 11, squire
Attorney for Plaintiff
222 S. Market St., P. O. Box 267
Elizabethtown, PA 17022
(717) 367-1370
Attorney I.D. #56304
STATE OF ILLINOIS )
L ) SS:
COUNTY OF a )
Christine Strok, being duly sworn according to law, deposes and says that she is the
/ le.& A111t'.Manager of Beneficial Consumer Discount Company, doing business as Beneficial
(/Mortgage Company of Pennsylvania, and that she is authorized to make this Affidavit on its behalf., that the
facts set forth in the foregoing Complaint are true and correct to the best of her knowledge, information and
belief.
Z firtin btro c, anager
Sworn to and subscribed )
day
before me this to,
of 99 o?ll^)
EO ICIAL SEAL
E D DA WKINS
bLIC, BrATe of aL M
astoN e%PIne6:o7/26roS
n v
MAY, -0d' 44(TUE) 12:23
P. 002
91/02/ea WED 17:06 PAX 1717731-es DENP,FIGIAL _
s0ooa
Tins ORTGAGE a )I?FN- 1 iD MORTGAGE
I A 101?," 1?11TT1RE ADVANCES 7V8ICR MORTf?A(;RE
CL'l1AI. 08IIGATION TO 1KA1sF.
THIS MORTGAGE, emarod into this 22nd
-?ars ----ter day of
19 96
® ItENEFT p 46 , be[raeen
AL CONSUMER DISCOUNT COMPANY, a Penn tvral co hetealler celled "Mon ?d
0 SSNEPICAL CONSUMER DISCOUNT COMPANY 41b a Saylnola l corporation
a PeaeaytvanlL Co[potatioh, 8s6e & of Peansyfynla,
11114118 an oMca and place of lmatgese at 4910 Carlyle Bike, Suite 104 Mocl enieabur
hemMor called '-Mongsgee.^I
wITTPESSlITTh, that ro secure p Feansyhtutia,
data herewith' by which Mon a°ytaeat by Mongegors of a Credl[ Line Account Agee a i,e
gca make lama ead edvanm up ro 7_5%b,t??ter Called ASteameat;' of even
Goo" and all othu obliaatlooa of Mot 1t Obligated goregtted ende to r the terms redPlai ?haeafftter u11ed ,Credit to MMartg
n[ and convey a the foaw' ons of tll Mange , Mongegon do [kex
p Socwnh lxlhwmayp of eta on mg described real ramie he er ad "p preterits, tell,
describe asfaums: County of r @o H?ofpeha a City
ALL TEAT CERTAIN PROP SITUATED TA THE TOSiNSSIP or 8A1+D[21 °MYMnG,
REC RDED1DRS!>tiALT$ OF P0 3. SYLVARTA, B$ING MORE FOLLY DESCRTRED IN AIDED DATlwDO07/MERLAAIM COM= VOLUME 125 AND 5 AND 95, PAGE 1 T LAM RECORDS OF THE COURTS AND STATE SET FORTE ABOVE, IN DEED
VOLID?
TAX MAP OR PARCEL ID W)t 10-18-1321-004 ADDRESS; 5965 EBERLY DRIVE,MECUANCIS3URo,pA,17O5S
Mtmleips! Tax Lot .Flock Unirom Parctl [dentwer
Selagpntk No can 10 140 A by deed of duly recorded in the office for the Recording of Deeds in this County in
Decd Book No. aa0 Ii30
Page Pmpcrty thmt da s enItad. Cdudty ia
Mo thin boa checked thlt
, Morl P Ice subject to a -pd a-
na
1:arpnr„ri[ho?a- diled _ Pebzeuty 26 , 19 96 ,ooeeykd by
error ttroK ge seeyrespgm eat old promissory note is the principal ataount mortgages,
as
.Book edon O uA otS__: mortgagewas
.ge 36-M- with; the Recorder of the County of Thatpcior
t
Peoary
TO HAVE AND TO HOLD the Property h?ea? lvuis, in
succasors and assigns„farrier, by 8=anted and eotrvryed unto Mortgagee, to and for the use and 6ehooCol Mortgagee, Its
THIS MORTGAGE IS MADE sdbject to'the follmins coadidow, and (Mortgagors &Me:
1. Mongagoa will m&6 SO pamrnts oa:Lbe der date thareolaad
the Apeemcm. Derlorm all otherobligctieaa as required or provided herein sad in
2. This Morraage secures airy d all future advances which MortCredit Line, gages shall moles to Mortgagor order the Agreement oP to the
3. Mortgagors Will pay when du all roar, and ancomests levied or autsted against the Property or any part thereof, and trill
deliver receipts for thou pq?nts to Mortgagee upon requeu sad M Mortrgee pays any taus or assessments plum penalties Lad
orrice, the tmomd to paid my be added to the unpaid balance of the debt secured by this Mortgage.
4 with gIR a'm? Mo mprt v=afta on the Property co, natantly iarured against fire and such other hazard,, In Such amwnt and
Such OBsgee shall approve, vrt@ los,If any, payable to Mongagce as In laxamst m
5. Mongagec, at its option N cuS6 of default by Mortgagors of any obligadou required of them may shs 3r.
Mortgage, ahall have the right eh pay Ims am, insurance under Pnti &p other and 4 this
daims w?ldch Mo have aa? Qry under th?te of the and server rents, pKttthenv a and eD hn chargw e amt
ahW bL a peKaldt he sectoed ead r erthe er such, in Agreement and this Mortgage, and Cary and all maelse so paid
6. Maij bi s p will helrher w t tqt ,uHer. all respects, with interest thermrt from the der of such pgmcat.
saa[a ro good order aced repair v9 sulP, wute Impairment or deterioration of the Property, and will Maintain the
7. In the vat that Mortgage -no de t to tha meldo of a
bring tau ce. b of Mortgage or n of any of the coudWocs or ca mama of this Mortgage pthe the ?etueay or In the I[eepiag with
gs this on a, an may forthwith
itacurum hereon, orln,dmte other foreclosure roaudin Agreement
to jodgra#at sad wamdon to recover the Unpaid Balance of the Account plus seemed but unpaid interest, udind racy proceed
as FertNttM by law, man of rdJt sod costa of,ole. tng attorney has
ILL 4 M mrzw. rI. Nor. •H ...
exli??Lr?tzlz 652'
EXHIBIT
A
MAY. -04' 99 (TUE) 12:24
OY/01/914 TIED 17:00 FAX 1717731"e6
9.
10.
11.
BENEFICIAL
era
this Mort e, hereby wain
Ye erhelaiter aped, ail
Iola to 11bm not 111 excers e
eeft'VI upon the Note or
put 0( the proceeds of sale
mss.
P. 003
,.6.., r ac use ano 3mrnga of asbestos, _ ..._..r.evl WWP11C5wim ILL Iedcnl, rtlte,'Audio al 12. Mortggr nve ssuts and arcu aw.
e
Property a s wteer p mu
to clmplywitb all federal, state, and local eavlron
13. ttievtd lows in the maimenana Ind tare of the
Mo r wam
not zzuro b by na any gt>rorony p, Prtopmen pl 1 e nor th bor!e loan pro°eeds were orwill ba used in illegal drug attiv Sity, cad the Pro
subject to sMznre be
BUTPROMEDALVAYS,tbatifM a rsdo ry eauteofanylllegaldregaetisiry. p?yis
nd in t a manner provided in the °rsB &e Pet' er g0?gc tyegeeui °e hatrbee debt 6erc second to be laid to tldl, an the day
d, anything herein to the contrary nem tamt,ldasutarnadins. thls Non by gr ntedg6aLL cease and erermlve Iad become
The contacts herela cortamed shall bind, Ind the benefits and sdvaorages shell Inure to, she mhe heirs, eaacatoro rbZ administrators. so===, and gevdaof h be aCo i mlO- Wh llftw used, me singular number shell iMde the plural, the laraf
the siagdar, and the use of any q
Plyment of Ibis Mortgage is subject to the terms aeTm?2? yessr' 9
IN vin s wfmPEOF. Mortgagors have signed Ibis .Mo Of even due between Mortgagors and Mortgagee,
t?g;gc. w'i d(3) I-4butd, on the date Sot above written`
Signed, sealed and delivered in the presence of;
.Cf .eJ F::''s?:. l
? MUM
N Nn 7ux?1 yet a . Lush (SEAL)
. wimp, gam)
COMMONWEALIH OP PENNSYLVANIA )
COUNTY OF Cumberland ) so.:
On this the 22nd dry of May . 19 96 ,before me, Sandra L. grin
the undersigned officer, personally appeared . Cynthia C. Lush INee1e o(O
knows to me (or satlsfacotrily pronen) to be the person whose came pia rub(Nam (Namee of m l nethe W
r) d
that - eta ah"
eftculed the same for the purposes herein contala d W
RRTNESS my hand and sad, the day and year aforessid.
py C
L y7c°"""
My°ommirsioa tsptasl?.wteur 19?,
nl. a he 20M O, Ca.
BOOki,???ACF . 8?
MAY. -04' 99(TUE) 12; 24 P. 004
90/02/eP. RED 17:07 FAX 1717701^'46 @E2rEFLAL 0007.
BENh1 fie, , . 7:,' CUI CRI'61i:L'IHER000UNPAGREERIEITF^!''
WELCOME: IntldsAgteernent Wc1UaI,Tae,•Yoei;?y?mleaDCw ;:.?'?? '..
Canparhr, the Cradt ., IN I is an +er 7nd the rioide pjur; and:ua mean Bonafiefal
egt*T,Rlaoumayaarekr DOkdghtlrtroutha Corhaunhar
Ymdit LCradt yo and tla Prlnalfbl aT ammo Nrl?l a e?De tlubd Y?n0ur?.Ot fye o lerWaa of csedn DP I, o Yew
dMfuraneebeMeeh
MAN tmep a F'r?r Wft AA iod. lMra a a la apeekied draw urrrp;gffwtpw?.7h;913 no mi i' n u 'B e
on pages Kepo homer i W this Ag nt 172 1 Watko mgfdr"O of $I,D00. It's teen end coK&m of ft Accaum arcooumned wg end
Credfror
BENEFICIAL CONSUMER ISCOUNT COMPANY Amount M Meer. 90117209
4810 CARUSLEpIKE STE 04
MECHANICSBUR(a PA 1 S6
Phone Number, (717)761.8
Noma and Mailag Addy of aaaaa tr.
Re?ldonee Agdrtrs a not the
Dose
LUSH CYNTHIA G
MKS EBERLY DR,
MECHANICSBURt3,PA,1705E
De of Aweenae h1Mf lM
OS(l2196 $7500.00 $7500. ?lAdVav Pgmoe lurheu6•
3190.45 mY
Barq^• Rod Romp" 'm Peeeml 28
60 rme, 51200
S .00
RAIM tod Settlement Cam
and V*ft Finns n hle ra mount conic Of Fill6ca Charge and PI
neee?afy to comPbtNY repay the PAnolpal Babnce
inbrrmlpnrpkfeoglo 0 ?P byUIaMIWil:aDonDasls,aMnedbelaw.SeaPape2oithlvApreanemfaraddUOny
the rA GonIade:TheDmepadW nmpnftdu"Wj1thifsa0hpa?h ATountls InedonDaS
Ipel Bab= wad appFeabta ffimfpe Charge A be terry rapald Pfd 072 Dro,Oue Date spec talon ontof Accwrd
The Finance Charge vAl be ealadeng4uskV the Darr Porft; Face of _049315 1r, R.
rat Iralude costa other da Flaanc° C Ik - - -?-%Annual PereeMapa Raley, which Pee does
subsequent sash rats .o the in A nee bVI to some on ft lust buoOms day char the end of the mmisslon pedod on ft AccoI On
beps accrue on the dace to cash advartce is charged to the Account
CALCULATION OF FINANCE CRAROE o rakufate.ya Fnarree Chugs On your Acootmt we dO Dhe
Day Balance, In the Termer in ft brirtledl perapraph tdinamon Clap e' We saka?ui?oa?pie the AVefage
pa1a.NShear{erp2y?ykWethen FTaeneo- r ae0rr?iorr?it tep3 vera ? pao Mg Drab°BihzAtlplled enummer Sofdayshtlb°Mlkp
arroam Mb ke 06cein Ca wee Charge falfM1azbUng uyrh
CALCULATION Of AYEMSE DAILY BALANCE To Oelclrsafe Ifie A e Daey Baiefaa onyour AaataR we do the f0gawittg Step 1- Wa tale the
? ?mOncoduntas of the begcening of each day in bflUrg?a andadd am raw cash advances a awry a0,er chages m°da
? auy ><NtmyAamsorarrydhaaedbwAtnwemako anthetday.WadonotlndueetheFnaneeCharpahlcalculahhg
Met total motaht ?0 ° Slap 2 - Wsltlhdh add up ?I of Ua PMteipal Balances for each of the Jaya In Ua difmg eych. Ctap 3 - We then O ridgy
ty the numbs a days in the bOhm web.
The fagOr, V amounts hm been dkstUs® Orr Your DOW from the Inerel Advance.
1, REAL PROPERTY FEES Scheddo 2. PERSONAL PROPERTY rM S '
(A)
1100a ft No - Mortgage ..
S 12.00 (A) NOn{igng Insurance Premtun•......
S
(8) , .
Satiftm MOrlgage RecomA .....
iq Fla ..
.. S a?a (0) Rnancft Statement Fee . , ....... ,
(G) Terrr SWMM Fee S
S
S ?¦ ....... , .
0
M
Y
(0)
Oft r 4aw (
)
.
. Corn m or TRk ft ........ S
(E)
Other &I S none
S non* TOTAL PERSONAL PROPI
(F)
Other mNdrfj
i
---- FE S (sw P*w r1 ........ . .....
3
T S
(e)
'Dow fsDOdAi _ .
ae neficia1 /61122715 44
$.218.
TOTAL REAL PROPERTY FEES
Ape S nuns
I S 1900 4, TO: Rational Bank r
5. Ct11?k Oeavxed b YOU.. , ..... , . 5 07.00 _
$ 2796
0 tMICA 1991
un0ara Chamd Mort(ta0p Non-Flkng Insuranu PcAcy tasua+ to va ty WeSca Insurance CbmpAny, whlur is aThaeed Wall UL
Ps" I of 5
3=20 oRa
RL 93 PI (11941
MAY. -04' 99(TIV 1225 P. 005
09/02/04* WED 17:0
rwrna dieaewen LUW.'7 {y??ay:%?•?;ili:, .-.e,.' _: ?:.. •• a _'
I VON ollan' 4lW2M 1?eWr/aNa rp11>Zee
6EFICIAL® CRI!DR LINE. ACCOUNT.AHREEMENT (Continued)
TERMS ANO-CONOMONS
PROk1lSE1p'PAY' You ate premise duemore. pay the PMlrincipalnlmum8afararo, as well as the Finance c
.
a?a 7haaa +ettotmb nty app??
DY ft Due Dab set ? ilroreln, p8?0? defined "giv. You ages to p8y Oro Mkdmum P ,
ay sPaciRed on tlis swam
CASH ADVClock ANCES: You can oMeln cash advances by the puse of theo e Account Checks we give to agree not Line trunt OW-C whack for a s m tta P ft the u uW onbn of me C" you. You to cash any Credit
Line at me time that check Is cashed. The amount of any Credit Line
pal Balance on Na date the cash advance Is charged tame Aceourrrt
PAYNENT ANDUBT: For pu Of Nis Initial disclosure, the Peyment A
the InhRl Adnnctt, using the Ih led Amamaatlon eesl and InouM indicated on Pape 1 of this Agreement bbmiial Account may vlatn4i this ill p aseruming a 30 day d The PaYmaint mouwas aft a tM based
S t
StY?u" of of a Credit may A hock This WMrn Amount bmuse of differences In the number of day Amount billing yo sutra result
Lkta.ThePaytmAmouil M1Nm°Pan•srdAccvurneliewsye4atVowekrotlon.motaainrashadvanc ? es ? °f ?R
a, the I'm Peymteta deHO below, Will or, adiustad to renect charges M the Princ' B e? e ccourt
Currt
NYoudbtaldanedddlomicaseYmvM Ameum In W" anon
on Papa 1 df this Apaehteln The rt p ynent Amount wig be r ? uteed W a brr?t Basis with t un mbar of nip the shmn
MINIMUM PAYMENT, enacted an the nmt Statement of Aedourrt
The Mittman Paynent Due on the Account is the sum of (a) Ore paced
any Ofshonared Cixak Charges, arid (d) arty amounts past due (insurance charges, Finance C Mta? (b) any mom Insurance Char(C)
ges APPUCATfOR'OF PAYMENTS; You range addponel charges and princlpa0 due Piaadee ha paymorris
on this Account am applied order (a) past due
MOO (c) past due J=MhWonCh tie following Insurance eh
dw Tiaaned hahilt (g) ored Check C ( and lhl de meNy°du urro due insurance chasgesR arty, any (py cu N) I
troupes, N
-1 .- any, pftipaL rterdty
PREPAYM[ITT; You may the
pay more Minimum P
white wit W: Y at you Aocoutl Ybu m a ni ayment due at any time without penalty. By so doing, you wm reduce the nuance Charge
pay the 111 a c rut Balance, as well game u pay the principal Balance in hull at any Ome without Crimally. To Pay Your Ace" In fur,, you must
Irk (firv paragrrplt Tho Reaps gam
01 Accrued e will continua to accrue a, Finance nd w be Colleeccted ukurrance ntil the d? white the Account is paid M ? to the
POSSIREACTIONS:ABder canalrtrijotrrtaaocee, we eat (1) laminate your AcCOU 1, requteyoe to Immedle sly Pal in full the then oudtdantDag
Prune I-1111alaaee,7lnd charge yea.md* fear, (2) relearn to gratn:you additional asleauions of aradit, and (3) reduce your, Credit Ilse; lacre
tPeo InforrtteUan skeet tshra.ln ay lake theca actions pa set forth below.
DEFAUCC You w1I be In dafmrh N (a)`- tai tomrracthe ra
'eedon, .which ativesely ttftecls ousdculy irtet?l in the p?nyy you h?ocWffe aWgeaz ca)cYoutaiaany A6?, ayo (c) otakeatrytlcctw
rHP?em°fi°n or you vogage in tread In connsOm with this Account r+rhY fa tit s Account or (c) You mart a ntffiedai
11111MINATION OF ACCOUNT: If you Account W in delauk as derkled above; We may at our
eh W your
utxlt cmdk by rad"c,rg Your CrsSt Ilia mzem. If we 60 $o, we will Option and wmoc, anJ 6r notice Credit Line denier
Ydu and uhi0 Principal ByatKt has been we re arm
m e to ua any unused CeaTt Line Aocar
a fee your Account W° tip kxW yuPgY you with addNo?CradR lyre Account C Wes'may IIeat In the teal property any
mclIod 0a*161% alxwd Fhrunee Ck hilt additional charges and fturance may osMWIM um You td immandl sell l Pay any
property securing Your Aceoutt None of our rights under this A reem lnckdq ??'We m also ft i forereal p pootsw personal S the cal
secvehi YourACcoon willba impaired ty ON mcisk n to terminate your Aceourt. ON ymr °b our Ia the real progeny end will beproperty
-SUSPERSIONOFCREDfTPRI?gIEBE6 We 10 may P?P,lnclpaiBatartCewitbeurarrcaed.
which (a) the Von of Ore luoparty secl?irp this Aeceunt Aeefmal? radditional advances, or we may Rduee your Credit Line during airy period to
epaulet; (b) we have mason to balers plat ?Y bed the value at wfrich a was appraised when this Account was
You will be unable to meat Via repayment tams set"above because throne has been a me ON Charge
In any of yr? Rmmdal ekoumxaoces sa that as of the data of any such change You would not mart our than cumftM stmdards r
tar new Bdrrewpfa: (o) you do not ebtdllty env material Obligation camalrte t In this AgnamerrL Includtng, but not Smaed to (Q you me from the
EWE In Which your Aa:amn w4 open or n you do not allow us to appralga the real property securing your Account on usfrcm &x tenant action eNur procludK kg Annual ?8e Rafn applicable to this AgmemeM or Impals ouun s re quest; In (( a
real ProPny savurkg ft Account cialtj the value of security td tai below 120% of °CGrRY interest In (Ta
CIOSiRY OF' OFAACCDURT IT YOU: U Your Credit Lino.
N M) the I ap. oYUle Aeon 3p daya advance written notice to us at the address on Page 1 of mh Agreement, you may close atfs Account
both orlftap =ndldonran'saOsW. WW011130 days rn f eQ? of your ra my tocl the Accort t wy witch am
sill mestanding security R. Aaumkg
mM pmpn and rental property which secrneo this Account to close se t the Aceoum we will rein" our se taKtaay tnbrtst in the
Fsss 2 of :5
RL63 PA-:Y (ayes)
MAY. -04' 991TUE1 12;26 I P.006
p9102/e8 RED 17:08 FAF 171YYJJ^,e5 BEIVT,EjC IAL ®go#
mmsor" ttrBRyf 0
• Cue or Lout mums Arooyy Ab.i agt l7Cea
1111NEFICLUS CRE"BML1NE ACCQUNT•AQREEMF1,T (Condnuad)
?R.Ma AND CONDITIONS (ronllnuer4
CARE OF THE REAL FWDPERIY: You WIN
Me* whkh "Cut" tide A You wr aawlso I,' ??e? wow or muter ener
?'."YyWW Blmkr Msgal hBteWe, 1 pr?myn fro red Dceorpany ottvher fee or gh?arpe against theu
Our ne ao"m"
WanI r in b bated a? ? r w ice= the if wi do you tefl t. Iv. u Q. or
WW to
ai Uro DI Perlodlo A* In effect at the time drovar?ice 1881YOU ag A in arriourg
If Insurance Covairq ere real (xop?rty Is canceged gr m?I Of U's c
R I j W our hderaf in the roa(Rrm WhrR You wNl MSng and you do ? ccve al gbtaMt hemud
an re Ina a tothe
amoDrR rite IpEmium PdnclRal 98bmO Of w l Your D MIb?l for the a pror wonfayob
v
ATfOWNE7'S FM- Wo may chalgp and collect Rasonoblo for ON him Insurance
InMCovedng Gor e}ttaathepurposeofstrr?,g sgnanCeefoWpgcodectlaannertdted?y
any ta* ac sacudty for ft Account metals rg oco-+etr?gas?ocla n of delaglf, this
DISHONORED CHECK CHANCE may evanses Incurred
fords by rile finarm sl IrstAdhn n't T dfrorowmn,yN a charge of $20.00 Ryon Issue a Checx that is rebrMad as'dis?
whleh R Is ?, of ESTIMATED sETIL mar COSTS: t fhe MV
Swhff em Cam Incuds ale R
? MPLIANCEWR your account Is epaneq yo, P Eagnretod Settlmnem Cgses . N
Fee - MomJage and the SacafeCtion or Mortgage Recording lee, will R be as shown on Page 1 EatlMfed
RACrNO,6;ifyoudonut thetWi any.
we must C=* am
MMIM
Payment D4 of
ja" 30 fM BO s 9envy Mmlga ?Itssrsfange S, and 40 ? Act of t , iro gNnsoft ISAIA and we mns of S Irom as A? No?B and the ep
on PagO IItift CCALI4 oiLA T Agmentafg m ?tUut N0. g10t1983). The pr action 403 and 464 of Act No, a are shown
' "APPULE LAW: The am and rWhr'Orts gHhla A
Act ClkQter 7, Sections 6201 dnou'h 6221, Purdon s m ASS by ft ArmI pardwlMuy SS?6217,j? ter Oft" Cartpary,
SECURITY: T® ore tcond tis Account ?WWal as III Cash adf"M up to the Cr.WX Line, you grand l6 sswiIy inihe pp Fyst Se Mo ?etdhq to cm=ft wRhfds ACCCOrN You also grarnm Interest in the RBI Property desoAbrd
dm ed6ed In an IdertlAgdo n Of S
Fr oan, W *h form is
D Motor vehkh(s) and any equ pmerR M360 a Pant of ft CtedR Una Acevunt•Agre xe ht the igAoadng R ePerty.
11 Cer4yr Household hems
0 Other
7A7[gE8uCTlelLfTy;youshould co dtetatadvh?r
dedtw?bitb of the Hnanao Charge and oUreradddlgnal Charges on VdsAocnrnnt
AAINTHEEEVEgI'O FAB YOEFAUL7 R TH
LOAM, ENTRD THE PROPER PLENED AS 3ES
SECURES THE y FOR yCUR
FAY IS RiDI 1U gHOM?E E T AND7H L 1ORMAB EWHICH SECUTHEy REESE
CnRyEDIF INFORMATION By ,[ fo` a C" Lma Acca
Ply, 6?0P Ea t agency frarrbrerfroma IIIR and,tILIA You mlessyouadvseiua?Wnr¢ausmrequwtandreoahecndltktfamadonaboi from
tray loam z6out then Credit or any cradt irdormefOn we may have about you your
our afffliegas or t?het? er ? f "800-848x441, a 0g %191 to
you ooftngs, gt1 for soticaadon
.'Me parries pmtl' 80.E
agree drat upon acceptane by Us Of the leans of this?h omp rg
I um v 3, wM Cans 0 atMtt Yau acknowtedpe recepl of a cles ed COW ylof phis Ag prIm 1ote ins and CondRlons shown On Pages
MV rtronly being advanced try us.
Accept by Creftr
Data $Z1i iG Wilma
G
e Witness
By AIII ,
xt
Qaana np.2
SEEPAOE6 FOR IMPORTARrINORMAPON CONCERNINO YOUR RIOHrTO DISPUTE OR11NO ERRORS.
o O1tao4
Pale 3 of 6
Rl 63 11 (a/e<)
MAY. -04' 99(TUE) 12;26
p 1 do net went lee Insurance
00/02/08 RED 17'00 FAX 1717731a••s BENEFIVAL _ @CIO
lift d sorro"r. LUGH„ CYNrysA C1 .
Dsbdlgaa a4td90 AoatrrfNo: eeffy2eA
NEFICIALID CREDIT LINE ACCOUNT AGREEMENT (Bongnuod)
ACT NO.0 OF 1 ey4
Sectlu1103. Hates all Man I ac IneApjrp(elrtpAe(rtA rOr"Mv Tre*20 finder may am 19 m the maanny of any neslderrdef
ro e l oor."gd III
It 180 Nidy dry j h larlcell pa this ok*k such PMn Under the ? 404 fttfD C aO n?t0 poosasslon of any smm
I nAage dobtor novae of such Intsnlbn
0sectlsectson 40 o 03 3 of fhb act ct ehdUIL; (e) Npta?llgatphp the provisbrq of nAat a
o
at
no! 0 any tm@ Bt least one e hoof P* to mehsbdlrlifbiddl liff, not WIN I floss Sher" trtlsna ?hfa belie or??dp
. Ule rsMetttN rtgrbaaa daft n h or a swUCIL of o cv do A under thhr sAbftdlon ?naidanW mate detDOr shall aM, by renderNtD the emo In any or pa?to°nm?ancyear,
pec o In ha+h n
(1) Fey orIn tarIder in the of Ch, ashlers Dhocft a coutlAetl check eA sums whtleh waa levo been due at the Ilme Of Paym or
tender In ft dre abosroe of of Idafault and fro eaerclse of an acccW ton oleuso, IT any;
'
i2! Paferm ea* after ob l Won he would hero been bound to Damn N the dbrence of default or the mrclse of an accefm ft
(3) P or arr/ reasglebk fees albwed userrayon 40B snd fro o orta6io coats of p??
i? wpayl1 g by
mm ? Oder ecbrafly i l m the date of payment AuA to toreelosu a as sPet d
(c) t ale of a d?uk Ptded.fa b Ate seotnly daunerd
(AAWUerd to sec?on n;stores the reskle?y monpa0e debtor ro the memo pmftn as t the defauA had not ocouned.
llm poratmse of credit ImOrmae is vI cREOrr INR MI CE
If you do trot Obtain uw 6tgamee Y and to
fm net nqulnd by is for the mUndon of weal Your ligrrest for a CredtUne Acc6jM wAl not be dsmkd
k To er6db tutu you will enroll under 7.0roup vedlt 6taaRraA pplJay. Offering rfe Imunnn hwh and
Ismrmlm to by The COntral MManW U a16rAanae llrnha, whkh Is etesatad wAh us. We do Ikrt 1elt:i7 am a
art hY Acewm We thry ohMn Dame MR
from the 3610 of #A kmnanee. Y (Md Maker of ffduolaty for yav
LAa lim mvee kxwts either your rh CtA em of" Bonaner No.1 and BaAOwer Na L By Wlgablg bft. yea agree to pay ew monthy hmm"
oAarps tot Lift InsWanoe aoveram whk >s Wuded In year paymerd Amami The
Rntu Io each juts of ft Average Daly amrt mulopead by ore number of days in them lYmmai merrgge h aamptgrd by apply ?Y?aa the app((gp(a 0*
eperedmA on the Borrowers amtned-ho. TIN InAlal D0An0 Urfa. The e4Peamla Daly Rate for VM LYe
oomahmd In the C"RIC A of hduranoe '(?hI 0* Ram dmm& on the ewmwWa atlalned sge on To Rreten DetLshown on Vm 6M?scdmA
JartwrY 1st d out year, AJdm LAA ArnahSneA?M Ithe
sppres6lA Daly Rero wN be ndeermhtod onn each yeX IswAd on thr 1orrowers sen6 e4 spit on
To Daly Rates ate u frdkwF Coverage u 819c6t11, tl e applka6le fussy Role wAl be depradnedby ttsing t t aeaknd agc tkdm ober eortvwer .
You.her Sm9leLWOS.0012t2 per$100,jokALAapoAU paitoq
shy outlaw us to pay the prom m for the average saleemcL
ChECKMEAPPROFMIEBOX0AB AND'SgNWfyltEMICAID '
00 1 want Single Lro Insurance
? 1 wam Jalnl If# Insurance
? 1 wantJo6d LJh IramMe
your 84don(s) as to Coverage
You WIu teeelve in knuancs Cenksts
Ya mar al ANY tins must yen Credk I
Tone to as WA ere" Immeas selling,
143 M esAntlAd, effedNo see at tae IOWA
N You OWP CWA Uh bnamwt an Vile A
MAY new$ crom we bsanrrn be WRL
sy a4ama aernt• r momra 00
Ue r2e?edaeis alt MTM
P. 007
r
lnQaaae of eemxrw K 2
ooratins mome Wmvion about thA he"= coverage.
NOTICE OF RIGHT To CANCEL CREW INSURANCE
R caveriM e M dogma to do it, roe most (a) WRY n Is wrt0ee W Tier dodAes to a rK and (6)
,MINA. Ater wA rewtn Mil yasr /Aeaolfatlte regeaa id tee CatRglA, yqT Cledn no we
r trod Stmomtst of AceeaeL
NOTICE REGARDINGCREDrrurEINSOR a
MM Your tnemsa o cartetcad ceMtry. The bmnca ndekeh wnClos prwtslons whkh bA wMnyou
O amcklee/ Pegs .4 or a
AL 63 PA.= (suet)
Mft -0a' 99ME) 1::27
00/02/e5. WED 17:00 FA.CI1717731anaS
Dptkm 3, you Agree to and we hm recehed rake amlrrg as Merriam moot, MW Ad 1, PL Nt h RM f S um Wiwi (Included in ?bPNaeP`numbuad Pakdoflarod0og2gt tof? Sip?OdpMAverageppy pae"ftPV
oonyaur Prop Ash Advanw en aye fn Ne b00ng m ^' Ftnot ftled.1he
t
ed No rwd blrA your Attq 6etweAn W g dmea vnl tied InmesA tiro t?stuenee fort eavnW grtiUnAtlb hrMIN
eRwed Nreugh ue• a 311WM Above, and au1Mrtm us In charnn v Q- A
n.ere uangnuoa
Yrrgou rlkmlhp M U pr fib' for your CrodR Une Account -W,@ hTEC11oR
RAW Alen Piakmt-gd end otller hraArdo you M °IS 0eh M'"4 Pert of to
I tl ey PuR hue dMed ?
R"Mft ? pop"ttlsn Yo arm (ealudln0 tnalo nUnd
That Properb Dlehedon WictO ua orTmm? ?I" am
hk?tra
you
DN4 as ft" am and ^""4 eRDloyee Is M ? A 1S Imued A It an CempnW Mea"i hoCompanyo ift MM of the ndd or know.
lxwMmry•d.AC16 nay negu Sagle rig a in pmt 6roka or ry for you In Oan ) ons of au aYaee I la IkeMb
tlerltfR from Ne cab al Ne property IntUntaA The WN Ne loan t e snsotlML Wm, ACIC, uatller
'W liked yyou you hbm 4 end Extended CavaIII, end m a S2S.00 eedn?ia q obb@ n ThendN ?myb u WGIVIC ad
AeArMrfAh lmr aM dlglytt pramatlOn IN on Ne Property. Your roPN V As fotowl:
%a rA IWAQ:
?• O You hiesno prolovoon + ' Wleh id 6 the on
Nat eoulm your Acxcutlt which Art jA m oRered through ua in an Amount equal to the roDlaoement value of the
? tYOred Nt Issste d Ne Gtedft lhu or 526,00x. Peroand propafty
2 ? YPou ba l pimp proactima wish IQ buy the prmeWOn offered Waugh us far IRA pwmanel Pr
awn ns The amoum of lkohctlon b purl to She rCpracemat tilt Of IRA m6 n d ures your Account and for eddkbmf
arteod VAN Igoar of the C will Une or 525,000,
3• You Mee ?°a? Pt°Pet11', but m+Y tr,F'
PIOECtlon an property saeu Rg the Aceoum
a/a Yuu ?!l?l' A Nrou agent
win RUN us a 'a two" I
roadve ?y?DerSOINl vMpRO' can WON ftoup?au nWe og it 19 radmri bye RAm A If r of ? nge 30 dget, days. you I r within bra to
•1:
Q Yau have Kate Won Ctelptap" wcuriv the Accoula
m Vr?, V.w•JJ_l
ha14C
-v -.0 rr.mnaa Wal De made etufs
Yee, No kneng Pe+eold fuct r y Dann
aM oenNr on your bdeR.
h pOelea below, You cordbF Net Ne
-- Thle--no*$ Contained Impertent h
Retl ur In Cam of Eynon of Q
R rou:Wd yorR SYtmncnl i
it the address NOW an yap
the red Siahew an Which
In your MWJ She us Ne to
• Yow'narM and teem,
•.
The Describe i b the A W& t
? sead a
s
there you an nor sun at
Tow M011 set gar Nporeillk
We must ectarowledge your Is
error or Ovate why wen Deter
After new Rake you, boxy w,
Vie rnnadyou qualm Inch
PART sw quadoad anleme wI
R we end tat we ma ft a awes
we ftl take a d*h. you
eneoun[ In d 9w ant, we wen
RYOU fell to my tMMM N
led YOU Wthe to us WtMn tea
IML4 ow 9anematL Ana, nee
rmhf his been tefOnl but..,.
kwedotVote its" Mo.
checked it coned
P. 008
DEYEFICI&
- - ? ? ,? '. m 011•.
ewrutrt nor 1M PMMM wd tcmRlt to
YOUR SIWRS FdtBRe_ KEEP --._...'•••,,,
THIS
brmadoa abatA your rights; -am our ROTICE FOR Rf1m USE
respoeg Otles under VW Fair Credit ff" At
emus Afoot?Yev Sillmrp of Ameaal '
wrong, or R You need more Wormadan About a
9tateroeas Wr te to us a Soot M PMIW We slat fntaro your ?thrmend write us an A aparpe shat
w error or problem APPesed. You an 1.*oee us, ftsit e doing eo you
not Pr 1 than 0 dvYg? we card you
wing bdormmbR
eurmwo offer,
PuWt If YOU CAR, why you btleva then it an Anon. V you had Thom hdOmgtlanl descr% Uw
CA ON We Rltafve Toll WrPtml Rolloo
Iw WIWn JO oeYe, Unless We Mve Corrected the Neer try then. WICdn 90 days, we must ether coma lilt
the statement WWI comet
annOt try ro COUM Any Amount You ttuaadan, of repot you as Oalrrq" We an ooettrut to blA you fur
*v Mo Choeges, And we Can tp* AnIyy MPW amoum aphoR yew credk IM You do M hen to we MAN he on wkWettlpa0eg, IM you are rml obPaahd 10 pay the pans of ymr suutmr ft we not In wnaen. You RAW besstt to Pry 330011 CCtIrQ ar b By ero toMa cpreet irollso nhae to any rb an IM amo$Or d
rend YOU a daleewt Of to RPM YaUows at the Em thai n Ike dUL gY1Lsolw
fw
f we Ian Nlnk YYou 9 , w a' y nroort to ply, as deeiquent However, R our mye? doom not $in* you
cup you NA hate Cl a ay we mud to IMM We report you to that have a
us when a nn* is. rpeM wt reported you to. We must Id W MI Nat we rCao t you to quatton am $0
I can't oetlem Nee First SSO at the Oue'e10rtM amout2tvtn g your SleearreR was werct
OIRACAtget Papa 3 of S
I RL 53 PA-23 (11+94)
MAY. -04' 99 (TUE) 12:27
oeioziea
. I
The Rd
be euft
P. 009
You n Into a Deed Of u TI W nept wft
E5 MQrIM Mo(1pepe I7 Oo 13 ft D N "0 M Crem LIM Aocoum with ua ft reeuRe In the creedon ar a pen by qne
(1of a
YOU harp l 180 rrphtundertederey low to cancel) sWlthoeecos< theCredh Line Acmt"wehtn 3 hueloeas d
rerRa occur last aye hom whtcherar or on rdbw
t the o=g date of You' Account which Is Na zy inG 191 !>r?trerr i cg rw*W Your TrWNn-Lending d i(1suree a 9rary Line o1 CreaR d ' or
(3) the (1110 You recehe ft Notlee aft Abace or CreWr 1470 Account
H Ad caned pp Ax 'V you of You' fight m cam] ft Account.
WWn (1^ YMN canosli iod will also apply to the pan on your home.
ym ? ?? days after we raedre your Statemem of Car celheon
Your horns hat' Dean o afte ed, we must take the stspe rgcaMW to reRect the ract that the lien on
We must mtum to yen ery marry or pmpeq you have given ue a w
rttaMy t>r ertyune 1191 In connectlon wRh your Aecour3
You property we Iwre 9Mori on
. the
Matya You
the a aoD Y• B R 10 krpraoppy a tm1aU Yw? the ap reY Yam oHe°r tm nesor a h vay?is, must
mUmn ay Myer to o rµnm
u Acne or etdp beatbrt (1f the proper y, Moray nest be rehnMd ro the adt5ees ghen belgw. N we do not take possession rmrwi or Ix(1perly >,drnkA ZO eakndar days pryour oePor, yea may ?aaP R wehout rather oh5gatlo,e.
It you de'c7de to cancel the transaction yon H0W Io Ceneel
may d° sc by nadrying us In wrMr>p, aC
4910 CASSIISLE p=E, Siril> 106 ' umerc name
lSRCHANLCSBUHG, eeorA a
P6
17053
.(dlc ap
You may.uae'ary wram,s eowte Crat Is dpned-and'datad ty
py your irbrigign to
e co
may uo rurghts is Notlw Dy dgtlrpg and srptrirg h bobrv. You may keep onI% Miss
y
yoy
cl this otk0 because R yco da s q pnrGsnt mfornitnient you
96 mdor*ptaht,youmuarsendtoStatentattofC IglatathanmklrVpm
1g "y
(rr is Ills 3rd f day roe g m lerost of'tomethus 'at d,e wens fisted a"= Jr Ifn ar dehvera wdoenitodceto eamd
some other way, , you must deCwer Nat Statem ent nt o of Cancaliation oF xa.2s
eho?e addtxt b ,? C?;sendn ate tine apxttied.
I WASH TQ CANCQ STATEMENT OF CANCELLA-n "
N?hRe pate
ACKNOWLEDGEMENT OF nECEIPT
Each P"M Ming Deww nc*W two Copes Of this w
S 2a. ._._? 1S?
Barmwer
Odmr pe7nneof Real Property ecrroww'
PL WOO" rtz"
cr r
ICED 1T;lo FAX 17177310',75 OMFUtL _
_`_ry bola
MAY. -04' 99(TUE) 12:2o
48/18/90 FRI 10:10 R
13/11/11 11,27 T4141111.14USH.
Albs-1 ? 01N, CYNTHIA i.
ALL THAT CURTAIN PROP
CUMBERLAND AND COMMO
PEE SIMPLE OBED DATED
RECORDS OF THE COUNTY
TAX PARCEL 10: 30-18-
ADDRdSS: 9665 EBCRLY
MECHANICSOUR
P. 010
171771 / BENEFICIAL
RTNIA D..;ur' •T 1rowaRThanT laOYO
;DDLETON •_. •? Pifa In
EXHIBIT A
Y SITUATED IN THE TOWNSHIP OF HAMPDEN IN THE COUNTY OF
ALTH OF PENNSYLVANIA, BEING MORE FULLY DESCRIBED IN A
/26/1999 AND RECORDED 07127/1895. AMONG THE LAND
D STATE SET FORTH ABOVE. IN VOLUME 12S PAGE 1063.
1-006
PA 17055
GINGRICH, SMITH, KLINGENSMITH & DOLAN
ATTORNEYS AT LAW
222 SOUTH MARKET STREET. SUITE 201
R O. BOX 207
ELIZABETHTOWN. PA 17022.0267
(717) 367.1370
FAX (7171387.3219
JOHN M. SMITH 48 EAST ORANGE STREET
THOMAS G. KLINGENSMITH - LANCASTER. PA 17802
KEVIN D.. DOLAN 1717) 393.388+
HERBERT R HENDERSON. B FAX (717) 393.0883
JEFFREY S. SHANK
NOTICE OF INT bITION TO FORECLOSE MORTGAGE
January 13, 1999
TO: Ms. Cynthia Gene Middleton
5965 Eberly Drive
Mechanicsburg, PA 17055
Re: Premises: 5965 Eberly Drive, Mechanicsburg, PA 17055
From: Beneficial Consumer Discount Company
Dear Ms. Middleton:
OF COUNSEL'
HENRY P. GINGRICH
The Mortgage held by Beneficial Consumer Discount Company (hereinafter referred to as Beneficial),
on your property located at 5965 Eberly Drive, Mechanicsburg, PA 17055 IS IN SERIOUS DEFAULT because ycu
have not made a full monthly payment of principal and interest for the months March 18, 1998, April 18, 1998,
May 18, 1998, June 18, 1998, July 18, 1998, August 18, 1998, September 18, 1998, October 18, 1998,
November 18, 1998, and December 18, 1998. The total amount now required to cure this default or in other
words bring your account up-to-date, as of the date of this letter is $ 1,287.91.
111 ourlng this period. Such payment must be made by either cash, cashier's check, certified checkof money
and made at the office of Beneficial located at 4910 Carlisle Pike, Suite 104, Mechanicsburg, PA 17055.
Also enclosed is a notice required by the Homeowners Emergency Assistance Act of 1983 (hereinafter
referred to as the 'Assistance Act') which explains rights that may be available to you.
If you do not cure the default within thirty (30) days, we intend to exercise our right to accelerate the
mo gg ymenh. This means that whatever is owing on the original amount borrowed will be considered
due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full
payment of the amount of default is not made within thirty (30) days oryour other aforementioned rights are not
exercised, we also intend to instruct our attorneys to start a lawsuit to foreclose Your mortgaged orooeM I. f the
mortgage is foreclosed, the prQyerty will be sold by the Sheriff to pay off the mortgage debt. If you cure the
default before we begin legal proceedings against you, you will still have to pay the reasonable attorney's fees,
actually incurred, up to $600.00. However, if legal proceeding are started against you, you will have to pay
reasonable attorney fees even if they are over $600.00. Any attorney fees will be added to whatever you owe
Beneficial, which may also include any reasonable costs. Ifyo you cure the default within the thirty (30) day period
B
Page 2
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 (30) days period and foreclosure proceedings have
begun, you still have the_riaht to rurp t6, .toL..u ,..a
date that such a Sheriff sale could be held would be approximately March 24, 1999.1 A notice oft he date fithe
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 Beneficial
located at 1634 South Market Street, Elizabethtown, PA 17022, telephone number (717) 367-1919. This payment
must be in cash, cashier's check, certified check or money order, and be made payable to Beneficial at the
address stated above.
You should realize that a Sheriff sale will end your ownership of the mortgage 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 theproperty. YOU HAVE THE RIGHT TO SELL
THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE DEBT OR BORROW MONEY FROM
ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL
ASSUME THE MORTGAGE DEBT PROVIDED YOUR MORTGAGE DOCUMENT PERMITS YOU TO DO SO
AND THAT ALL THE OUTSTANDING PAYMENT, CHARGES AND ATTORNEY 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.
1Lyou cure this defa It the mortgage %xill be restored to the am position as if m default had occurred
However you are not entitled to this right to cure your default more than three times in any calendar year.
This notice and the notice under the "Assistance Act" are the only notices you will receive explaining
your rights. You should read them carefully and contact your attorney with any questions.
Very truly yours,
GINGRICH, SMITH, KLINGENSMITH & DOLAN
Herbert P. Henderson, II
HPHll:mlg
pc Beneficial Consumer Discount Company
Certified Mail
Return Receipt Requested
GINGRICH. SMITH, KLINGENSMITH & DOLAN
ATTORNEYS AT LAW
222 SOUTH MARKET STREET, SUITE 201
P O. BOA 287
ELIZABETHTOWN, PA 17022-0287
(717) 387.1370
FAX 1717) 387-3219
JOHN M. SMITH
THOMAS G. KLINO LNBMITH 48 EAST ORANGE STREET
LANCASTER, PA 17802 OF COUN![L
KEVIN D. DOLAN (7171 393.3084 HENRY F. GINGRICH
HERBERT P. HENDERSON, 8 FAX (7171 393.0843
JEFFREY S. SHANK TAKE ACTION TO SAVE YOUR HOME FROM
FORECLOSURE
The Commonwealth of Pennsylvania's Homeowners 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 House Finance Agency at 1(800) 342-2397.
IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY
MORTGAGE ASSISTANCE ACT OF 1983
PLEASE READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR
FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS.
January 13, 1999
Re: Beneficial Consumer Discount Company
To: Ms. Cynthia Gene Middleton
5965 Eberly Drive
Mechanicsburg, PA 17055
From: Beneficial Consumer Discount Company
YOUR MORTGAGE IS IN SERIOUS DEFAULT because you havefailed to pay promptly installments of
principal and interest as required for a total period of at least sixty (60) days. The total amount of the delinquency
is $1,287.91. That sum includes delinquent loan payments which were due on March 18, 1998, April 18, 1998,
May 18, 1998, June 18, 1998, July 18, 1998, August 18, 1998, September 18, 1998, October 18, 1998,
November 18, 1998, and December 18, 1998.
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 AssistanceAct of 1983 (the
'Act'). You may be eligible for emergency temporary assistance if your default has been caused by circumstance;
beyond your control and if you meet the eligibility requirements of the Act as determined by the Pennsylvania
Housing Finance Agency. PLEASE READ ALL OF THIS NOTICE. IT CCNTAINS 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 HAVE
THE RIGHT TO ARRANGE A 'FACE-TO-FACE' MEETING WITH A REPRESENTATIVE OF BENEFICIAL. OR
WITH A DESIGNATED CONSUMER CREDIT COUNSELING AGENCY. THE PURPOSE OF THAT MEETING
IS TO ATTEMPT TO WORK OUT A REPAYMENT PLAN OR TO OTHERWISE SETTLE YOUR DELINQUENCY.
THAT MEETING MUST OCCUR IN THE NEXT THIRTY (30) DAYS.
Page 2
If you attend a face-to-face meeting with Beneficial or with a consumer credit counseling agency
identified in this notice, no further proceedings in mortgage foreclosure may take place for thirty (30) days after
the date of that meeting.
The address and telephone number of a representative of Beneficial is:
Curt
Beneficial Consumer Discount Company
4910 Carlisle Pike, Suite 104, Mechanicsburg, PA 17055
(717) 761-8200
The name, address and telephone number of a designated consumer credit counseling agency is:
YMCA of Carlisle
301 G Street
Carlisle, PA 17013
(717) 243-3818
It is only necessary to schedule one face-to-face meeting. You should advise Beneficial immediately of
your intentions.
If you have tried and are unable to resolve this problem at or after your face-to-fact meeting you have he
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 the
Pennsylvania Housing Finance Agency. The consumer credit counseling agency will assist you in filling outyour
application. IT MUST BE FILED OR POSTMARKED WITHIN THIRTY (30) DAYS OF YOUR FACE-TO-PACE
MEETING.
You must either mail your application to the Pennsylvania Housing Finance Agency or you must file it
at the office of one of the designated consumer credit counseling agencies listed above.
The Pennsylvania Housing Finance Agency is located at: 2101 North Front Street, P.O. Box 8029,
Harrisburg, PA 17105; telephone number (717) 780-3800 or toll free at (800) 342-2397.
An application for assistance may be obtained from consumer credit counseling agency, ordirectly from
the Pennsylvania Housing Finance Agency.
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 APPLICATION IS ACCURATE AND COMPLETE IN EVERY
RESPECT. The counseling agency will help you to fill out the application. 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 above. You will
be notified directly by the Agency of its decision on your application.
Under separate cover you will 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 of these notices, since they both explain rights
that you now have under Pennsylvania Law. However, if you choose to exercise. you rights described int his
notice, we cannot foreclose upon you during that time. If you do not pursue your rights as outlined in this letter,
we intend to continue with foreclosure procedures as outlined in the accompanying 'Notice of Intention to
Foreclose'. Also, if you receive financial assistance from the Pennsylvania House Finance Agency, your home
cannot be foreclosed upon while you are receiving that assistance.
Very truly yours,
GINGRICH, SMITH, KLINGENSMITH & DOLAN
Herbert P. Henderson, II
HPHll:mlg
pc Beneficial Consumer Discount Company
Certified Mail
Return Receipt Requested
Z 276 313 762
Receipt for Certified
No Insurance Coverage d,
tifie Mail
pow not use for,
aFOe t$Z 3 3
Da^'ery Fee 40 ,
I ,
Fees Is
1/13/99
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SHERIFF'S RETURN - OUT OF COUNTY
CASE NO: 1999-03151 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
BENEFICIAL CONSUMER DISCOUNT
VS.
MIDDLETON CYNTHIA GENE ET AL
R. Thomas Kline , Sheriff, who being duly sworn according
to law, says, that he made a diligent search and inquiry for the within
named defendant, to wit: MIDDLETON CYNTHIA GENE
AKA CYNTHIA GENE LUSH
but was unable to locate Her in his bailiwick. He therefore
deputized the sheriff of DAUPHIN County, Pennsylvania.
to serve the within NOT. & COMP. IN MORTGAGE FORE
On _July 1st 1999 this office was in receipt of
the attached return from DAUPHIN County, Pennsylvania.
Sheriff's Costs: So answe s j?
Docketing 18.00
Out of County 9.00
Surcharge 8.00 magi c ri
Dep. Dauphin Co 29.25
$&'47.72-5 GII?GRZCH SMITH, KLINGENSMITH
07M 199
Sworn and subscribed to before me
this /-Lr- day of L?. c
19-q t? A.D.
?---
SHERIFF'S RETURN - OUT OF COUNTY
CASE NO: 1999-03151 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
BENEFICIAL CONSUMER DISCOUNT
VS.
MIDDLETON CYNTHIA GENE ET AL
R. Thomas Kline , Sheriff, who being duly sworn according
to law, says, that he made a diligent search and inquiry for the within
named defendant, to wit: MIDDLETON CYNTHIA GENE
AKA CYNTHIA GENE LUSH
but was unable to locate Her _ in his bailiwick. He therefore
deputized the sheriff of DAUPHIN County, Pennsylvania.
to serve the within NOTICE & COMP. MORTGAGE FORE
On -July 1st, 1999 this office was in receipt of
the attached return from DAUPHIN County, Pennsylvania.
Sheriff's Costs: So answer /
Docketing 6.00
Out of County .00 ("
Surcharge 8.00 R- omas i e, 5 eri
Milage 7.44
2T At GI I?GRICH SMITH, KLINGENSMITH
07 /O1/19J9
Sworn and subscribed to before me
this I-v,4- day ofL?14
n
19 t?9 A.D.
r r-nona arm y?-
"Aft-ice llf .e ,S4,er-
Marv Jane Snvdcr
Real Estate Deputy
William T. Tully
Solicitor
Ralph G. McAllister
Chief Deputy
Michael W. Rinehart
Assistant Chief Deputy
Dauphin County
Harrisburg. Pennsylvania 17101
ph: (717) 255-2660 fax: (717) 255-2889
Jack Lotwick
Sheriff
Commonwealth of Pennsylvania BENEFICIAL CONSUMER DISCOUNT COMPANY
vs
County of Dauphin MIDDLETON CYNTHIA GENE A/K/A
Sheriff's Return.
No. 1142-T - - -1999
OTHER COUNTY NO. 99-3151
AND NOW: June 17, 1999
COMPLAINT & NOTICE
at 11:04AM served the within
upon
MIDDLETON CYNTHIA GENE A/K/A by personally handing
LUSH CYNTHIA GENE
to DEF 1 true attested copy(ies)
of the original COMPLAINT & NOTICE and making known
to him/her the contents thereof at 4725 DUKE STREET
HARRISBURG, PA 171.09-0000
Sworn and subscribed to
before me this 24TH day of JUNE, 1999
PROTHONOTARY
So Answers,
lex??
Sheriff of Dauphin County, Pa.
BY 94:4 e d
Deputy Sheriff
Sheriff's Costs: $29.25 PD 06/09/1999
RCPT NO 124768
JR
Beneficial Consumer Discount, Co.
vs.
19 at o'clock M, served the
Cynthia Gene Midddleton, a/k/a Cynthia Gene Lush
No. 923151 _ Civil 19
Now, 6/3/99 19_, I SHERIFFOF CUMBERLAND COUNTY, PA do hereby deputize the Sheriff of
Dauphin County to execute this Writ, this deputation being made at the request and risk of the Plaintiff.
Sheriff of Cumberland County, Pa.
Affidavit of Service
Now,
at
by handing to
attested copy of the original
the contents thereof.
Sworn and subscribed before
me this day of_
So answers,
9
a true and
and made known to
Sheriff of
COSTS
SERVICE _ S
19 MILEAGE
AFFIDAVIT
County, Pa.
S