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FEDERMAN AND PHELAN
By: FRANK FEDERMAN. ESQUIRE
IDENTIFICATION NO. 12248
TWO PENN CENTER PLAZA. SUITE 900
PHILADELPHIA. PA 19102
(215) 563-7000
PROVIDENT BANK OF MARYLAND
114 E. LEXINGTON STREET. 2"' FLOOR
BALTIMORE. MD 21202
Pl:unti ff
RANDY L. FLOOD.
A/K/A RANDY FLOOD
591-18 GENEVA DRIVE
MECHANICSBURG. PA 17055
Defendam(s)
ATTORNEY FOR PLAIN'rIFF
COURT OF COMMON PLEAS
CIVIL DIVISION
TERM
NO 7Y - 70.30
CUMBERLAND COUNTY
CIVIL ACTION -LAW
MORTGAGE FORECLOSURE
NOTICE.
THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION WE
OBTAIN WILL BE USED FOR THAT PURPOSE. IF YOU IIAVE PREVIOUSLY RECEIVED A
DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE SIIOULD NOT BE CONSTRUED TO BEAN
ATTEMPT TO COLLECT A DEBT BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY.
You have been sued m Court. If you msh to defend against the claims set torth III the follutcing
Pages. you nuiSI take action m thin twenh (20) dacs after this Complaint and Notice arc served.
by ontcring a written appearance personally or by attonlc- \ and filing in tviting w ith the court
tour defenses or ohjections to the cL•unts sci t'orth ;tgamst coo You arc %%amcd that if v uu fhil to
do so the case ntac proceed Mthout you and a pulgnlent may be entered agamst c uu by the court
n ithout further notice for any money claimed in the Complaint or for an) other claim or relief
requested by the Plaintiff. You mac 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 C'AN GET LEGAL HELP
CUMBERLAND COUNTY
CUMBERLAND COUNTY BAR ASSOCIATION
2 LIBERTY AVENUE
CARLISLE. PA 17013
(717)249-3166
Plaintiff is
PROVIDENT BANK OF MARYLAND
114 E. LEXINGTON STREET. 2'° FLOOR
BALTIMORE. MD 21202
The name(s) and last known address(es) of the Defendam(s) are
RANDY L. FLOOD.
A/K/A RANDY FLOOD
591-I8 GENEVA DRIVE
MECHANICSBURG. PA 17055
who is/are the mortgagor(s) and real otsnur(s) of the propcm hereinafter described
? On 4/29/Q6 mortgagor(s) made. cxccutud and dch%crcd a mortgage upon the prumises
hcrematfer dcscnbcd to PROVIDENT MORTGAGE CORPORATION T/A
CONSOLIDATED MORTGAGE CORPORATION which mortgage is recorded in the
Office of the Recorder of CUMBERLAND Counts. in Mortgage Book No. 1317. Page
139. Bp Assignment of Mortgage recorded 5/1/96 the mortgage %sas assigned to
PLAINTIFF which Assignment is recorded in Assignment of Mortgage Book No 519.
Page 66.
4. The premises subject to said mortgage is described as attached
The mortgage is in default because mouthh pa%munts of prmapal mtd interest upon said
mortgage clue 2/1/99 and each month thereafter arc due and unpaid. and by the terms of
said mortgage. upon failure of mortgagor to make such paSmews after a date spccificd b)
written notice sent to Mortgagor. the entire principal balance and all interest due thereon
are collectible forthwith. A nips of such notice is attached as Exhibit "A "
The follow 1118 amounts arc (life on the mortgage
Principal Balance
Interest 75,u06 5o
21."I/l/99 through 6/1/99 21u3 13
(Per Dicn $17.?! )
Attorney's Fees
Cumulative Late Charges ; 7511 Utt
4/29/96 to 6/1/99 231 00
Cost of Suit and Title Scarch
Subtotal ;io 00
M2.1(;0 63,
Escrots
Credit
Deficit 0 00
Subtotal 11.00
TOTAL $82.190,63
The attonwr's fees set berth above arc in conformitc w 5th the Mortgage documents and
Pennsclvauia Laa. and w ill be collected in the evciit of a third party purchaser at
Sheriffs Sale, If the Mortgage is reinstated prior to the Sale. reasonable attorney's fees
wdl be charged.
This action does not come under Act 6 of 1974 because tic original mortgage amount
exceeds $50,11110.00.
9. The Tempomn Sine as provided b1 the Homcoa ncr's Emergenc> Mortgage Assistance
Program. Act')I W1983. has terminated because either:
(i.) Defendant(s) have failed to race[ with [he Plaintiff oran authorized ('rcdit
Counseling AgencS ill accordance with Plaintiffs Written Notice to Dcfcudau[s.
a true and correct cope of %%hich is attached hereto as Exhibit "'B": or
(ii.) Mundam(s) application for assistance has burn rejeclcd hN [lie Penns%1%nia
Housing Finance Agency.
10. Pursuant to the Fair Debt Collection Practices Act. 15 U.S.C. § 1692 et seq.
(1977). Defendant(s) mac dispute the validity of the debt or any portion thereof.
If Defendant(s) do so in Meriting within thirty- (30) days of receipt of this pleading.
COLIMA for Plaintiff %% ill obtain and pro%ide Dcfcndam(s) %% fill %%rntcn
verification thereof: othcmise. the debt mll be assumed to be %abd l,ikca isc. it'
requested mthin thirh (30) da%s of rccclpt Ufdns plaadmg. CUmI]dl tul I'kumilt
will solid Det ndanl(s) the name and address ol'thr original craduor d dttfcrant
from above.
WHEREFORE, PLAINTIFF demands all in rem Judgment against the Deti:udant(s) in the sum of
$82.190.63. together %stth uucrest from 6/ 1199 at the rate of $17 21 per diem to the dine of
Judgment. and other costs and charges collectible under the mortgage and lin' the lin eclwure and
sale of the mortgaged propem .
/s/ Frank Federman
FRANK FEDERMAN . ESQUIRE
Attorney for Plaintiff
ACT 91 NOTICE
TAKE ACTION TO SAME YOUR
HOME FROM FORECLOSURE
THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS
SENT TC YCU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY
INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. IF YOU HAVE
PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS NOT AND
SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT
OF A LIEN AGAINST PROPERTY
The Commonwealth of Pennsylvania's Homeowner's Emergency Mortgage Assistance
Program may be able to help you. Read the following notice to fi,,d out how the
program works.
If you need more information cal'_ the Pennsylvania Housing Finance Agency
at 1(800) 342-2397.
La notification an adjunto es de soma impor*_ancia, pues afecza su derecho a
continuar viviendo en su casa. Si no comprende el contenido de esta notification
obtenga una traduc eion immediatamente llamanda esta agencia (Pennsylvania Housing
Finance Agency) sin cargos al numero mencionado arriba. Puedes ser e'_egible Para
un prestamo por el trograma llamado "Homeowner's Emergency Mortgage Assistance
Program" el cua- ouede sa_•:ar su casa de 1a perdida del derecho a redimir su
hipoteca.
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE.
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
Date June 23, 1999
RE: Ac=o'= No. 19314287
Premises:591-18 Geneva Drive - Mechanicsburg, PA 17055
TO: Randy Flood,
A/K/A Randy L. Flood
591-I8 Geneva Drive
Mechanicsburg, 2A _-'355
FROM: Federman anc Phelan, attorney for The Provident Savings Bank
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.
EXHIBIT B
UndegageecAct` you are entitled to a tampcrary stay of foreclosure on your
tl 0, days from the date of this Notice. During that time you
must apron^.e and attend a "face-to-face" meeting with a reoresentat-ve of this
lender, or with a designated consumer credit counselin a enc
y g g l• The purpose of
this meeting is to attempt to :cork out a repo
your delinquency. This meeting must occur inthz t next plan, (30) ?ayOtherwise settle
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. As representative of the mortgage holder, our name and address is:
FEDERMAN AND PHELAN, SUITE 900, TWO PENN CENTER PLAZA, PHILADELPHIA, PA 19102;
Telephone Number: (215) 563-7000.
The names and address 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 failed to pay promptly installments
of principal and interest, as required, for a period of at least sixty (60) days.
The total amount of the delinquency is $3,915.24.
That sum includes the followine:
Total of Principal plus interest including all accrued late charges, if any:
$3, 915.24
Property Inspections and NSF check Charges,
if ar:v'
0.00
Other charges accrued, if any
0.00
LESS: Suspense (unapolied funds) 0.00
TOTAL DUE:
$3,915.24
Your mortgage is also in default for the following reasons: N/A .
If ycu 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 cut, sign and file a completed Homeowners' Emergency Assistance
Application wi*h 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 filed or cos-marked, .-Thin thirty (30) days of your face-to-face lmeeting,must be
It is extremely important that you file your application promptly. if you donor do so, or if you do not follow
the other time periods set forth in this letmr, foreclosure min, proceed against your home immediately.
Available funds for emergency mortgage assistance are very limited. They
swill be disbursed b - " y- Age tc'_
Act. " ncy under eligibility cr_teria established by the
EXHIBIT B
It extremely imcortant that your, acc
The Penn licat'_en is accurate and complete in
every respect. sylvania Housing Finance Agency has sixty (60) days to
make a decision after it receives your acclicat; During that add'-tional t°_ae,
no foreclosure proceedings will be pursued against you if you have met the time
its decison on e uirements set forth t abova You will be notified directly by that Agency of
r
your hp.-ication.
The Pennsylvania Housing Finance Agency is located at 2101 North Front
Street, Post Office Box 8029, Harrisburg, Pennsylvania 17105, Telephone No.
(717) 780-3800 or 1-800-342-2397 (toll free number). Persons with impaired
hearing can call 1-800-342-2397.
In addition you may receive another notice from this lender under Act 6 of
1974• That notice is called "Notice of Intention to Foreclose". You must read
both notices, since they both explain richts that you now have under Pennsylvania
law. However, it you choose to exercise your rights described in this notice,
you cannot be foreclosed upon while you are receiving that assistance.
Very truly yours,
F- pucLAN
B
Frank Federman
FF/11
cc: The Provident Savings Bank (Jersey City, NJ)
Actn:Jessie Nyars Loan No.:49314287
Sent by Regular Mail, Certificate of Mailing (PS Form 3877)
EXHIBIT B
PEr-,NSYL4-k-NZA EOCSL;G F??`CE AGEYCY
HOeti1EOWNT:R'S E-ti1ERGE_1CY XORTGAGE-ASSISTANCE PROG&A-M
CO?'iSLI,ViER CREDIT COL-NiSELJUiG AGENCIES
HCCke: T. a'asF:ngten Center
1 20 Hai!a:.d Sir=
Ere. ?A Iti503
(814) 453-5;44
FAX a (814) 453-5749
Or== Elie Con:muniry Action Corn-fret
IS West \;LLh Ste:
Er:e, ?A 16501
(8:-) 459-x581
FAX .w (8!4) 6-0161
Shd=90 Valley Cirnank Lwvie. Inc.
60! Indiana Avenue
(41:) 98:-5310
Consume., Credit Course!i.g SerAce
2000 L::.g!estown Road
FFan^sbu„ ?A 1;10:
(7!7 541.1757
FAA a (9!:) 1.9559
CR FORD COL-NTY
7ci= F. K:_ dv C:nte:, Inc.
'-0:, Eas;=0ta scree,
Ere. ?A 16,10
(81-) 398-0400
FAX a (814) 398-!:43
CLNLBERLA-VD COUNTY
of T?
r__ ai Ca'-%e?_ng Se.^/ices of ?ZZ_
31 Wes: 3rd SL-::
%t' ?sbcro, ?A 1 6S
(717 76:.:95
C:ban League of Me:vnc!hm :isbu:?
:10; Nor-6 561 Street
Fia=Sbu g, PA 17101
('17 -- =9:-
F.-:,:(_ ; :7 :3:•i•:59
YWCA of Cx!s!a
30! G. su=
Cs!s1e. ?.. 170!_
FAX zi 717) 73, 14589
C-?_.:y Action CC?isaioc of r. C_pi:ai 3egice
r..csbu:2. ?.i
?: r,iva:?a otsiag =Wance A22=c,; c,? be :eac:ea -OU FR.Z= ar SCG)
EXHIBIT B
ALL T14AT C3NTA:N Uhl, being Unit 40. 591-18 'the "':nit" , of 7enquild
Ti :, • Candoein Sums loaatod in Upper Alvan :ownsnip. Cumbor:and CtuntY.
Pean•y 1•nnla. which ink; IN doignatod in the O.CLitotiOn of 3unqul.i
I:I, a Condominium (the -Declaration of Condominium•l and Doe '.ant-.n
Plata and elano as raeorded in the Recorder', Otttco of Cu,7berana
County in ML
-a. Sock 137, Pegs 10, and In Right of May Plan Hoak 9.
Fags 24: to amended in Him.. book 161, Page and Plan 8004 77,
Pags 172 and as farther amended in Mlae. sock 765, Page 99) and P11r
Book 96, P490 91.
10434T11S" with on undivided 14061t incer.at Sn CnM 1, Element, as
more partiealarly set forth in the aforesaid Declaration of Joniema-tom
and Declaration Plata and Plana, to amended aforesaid.
T009THE" with the right to use my flatted eem,an aAment, yplleab:e
Co the Unit be.ng coow4yed ha n in, p4rtuant to the Oeaint tiler. a[
Condomintum and Declaration Plato and Plana, as an4nded.
UNDER ,1110 3UBJSCT to any and ell aovtnants, cone:tlone, rear:le::one.
right:-of-way. ea,eantr and agreapWrt, of record in ins .tara.411
0ffacd. the afotw id Pleat Amcndment to Doc!a:at+or., are. Pat-or,
which • Phyeiaa: impsatlon and 10rvy of the Unit and Coevon Sla'"m to
would disclose.
TRL Grantee, for and on behalf at the Craetao and tla Grantee's ho,zs,
p rtii a: Tepeeaentatlvea, suc,esscre and asoighe. py the /ccvptance
If this Dead, aorenano.. and agreeo to pny ouch amazes, for naantananr..
r0p4ire, repl.cenents and ether axpenras in aonneet.on with tae .:nnrn.+n
r:emants, and any Limited Coamwn blamonts apputt4n4nt ;a aaad 'Una.
46 my be Oaelved again.t hen. her, then. it, or teal Unit, C:,m
.&,no to Slaw by the 8.acutive bard of the 9u,gu+ld fit Crrdwm:naum
Assoc i.tin. im accordance with the CnlfOra Cendrminiux Au; of
Pennay:,ania, and tdrthar covenant, and agra.o Shat t_r JA., tor•?eyr
by this Dnd shat: he sdblact to a litn for a:: amount, to aaaa•acd
except ineafar a Sweden 1407(,1 Of said cmitorn CI.1dominrwn Act
..y alleys a eubaaqusnt Unlt Owner If 11401Lt to: prior •inpaid
uueacents, This Cev.ngt shall run with and blvd tra land ar Unto
AsrsoY cahveyed sad 1111 subdequent owner. thereof.
SSING the eama pgndsse which N4r1Ln :. Nall and Ahact Caap., a
)ennaylvuaa C"Paa.tian, oint
by Dead dat wenCgreNd/bwa Su;:ar Joint Vep:Ut a,
dated July 21, 1949 and recorded July 2:, 1)S9 in tae oe
al the "corder at bawds In and for Crmoerlana ffic
Coun y, )enmylvani
in Dead Soak 9-34, 7490 516• granted and convoyed unto S; afar L. Yatt:n
APO odnn. M• Martin, hie vita, GranCote mat.ln.
DBbD CP A55IGNMCNT Of CARACL PA"92NG bPAC:I LI.4:T:J CDM11r:N tib:i:7:f
ALL ?NAT Cb"TAIM Garage Seeking Specs, as d4finad ire the Oeclar4tior.
of Condominium far 3unqufld 111, a Candomi.nium lens '.Coot s: at:or It
Candantni"; et recorded in the office of the Maa,dst of Dead* !a;
C
look 362. 4go ',It, and unbsrla..d County in Mlao. seek 357, Pags 2C, AN 4ne.1dsd i, Nise.
Amandmenc a v4c.dr4tion Planq?*gceded in 714.1 gook 57, o ?Ago e:72rand
fut her aarnded in Nile. Book 765. Page 997 and Dien duck 56, page t:
located In Upper Allen Township.
UNDO" 4HO 3UN&JICT to Any and oil covenants, aonditionr, vast:-ct'
fiyyhb •of•vay, epees,[, and agz.,Mnta Of record in the afozos+idne,
otfih•. CM aforeeaid O,clar.t:an of Cmidonl,i'lm. as tA. aeC a.a: ere :a,
end .n4cters whlen a papeiaal ieap4etaon and µtvey of ON :.:age 9arxinq
Spa<. Li.eited toaeaan Slsmeat would disclose.
Tor Ggnts.. for and on bthaLf IC tn. CC..... . 4 ::• Cc4nr, sa a ,win.
"foonal rspresentat Lvoe, e,, gal... and design;, b/ 04 acgoptanea
of this Dead, covenants and agrees to pay such charges !or Cho
Ioperation. maAntenante, repair. raplartrant and other oxp*m Iv, ire
ernnsotten w.tn the Garage Parking Spaces Linitee Coanan G..,.Ata,
as set forth In Section 8.2 of the DecAraLicn of Lend-min+um, Ana
49 otherwise provided in the Candminlun Documents, as may be ..staged
ageinAt him, her, them, 11, or said Cargaga Parking Space l-mited
CoNwn e1u4nt. tron time to time by tae 3a0caclve SCA.r of rho 5vMqui:e
:11 Condominaua Agaxiatlon In o,cordanca with the Unite,. Condominiun
Act 99 Pennsylvania, end tither covenants and sg: ea4 tier the ;,rage
farklnq !pace L:ea ;4a :,Pmen Clement Coi,yed by this ,•..d she:l tie
wO:K; to a 111n for all amounts ea ueaued Xcapr. i;sofaz as 34cticr.
7407(oi of said Unlfori, Condominium Act m.y rol.av. a suba.guer.t C.ns:
at that Ga:ege Parking Space Limited Common oloownt o! t11D..,ly for
pr:cr urp1.C a uesimanta. This covenant shat: ran vi and c.rd the
And at tango Forking Space Limited Zenner. E:ems,; mereov Ca,vcy.c
eId e:: albsequcnt ownots thereof.
?1129 Ca.41a Parking Specs Limited Common Clement nay rt that lure:vd
only tc 4n owner of a Unit In Sunquild 1:1, a Coegomv.lun, pur,v4rt
to tn, provistuns at Section 7209 tbl of the laid Uniform C,nccm:n in
Act 444 the provision If the efora aia Declaration Of
e,ndon,n Sens
apeeit.e.l:y ineludi.iq Section 6.2 thereof.
59:14C the out p: rmiaes vhi:h Ya:lin J. sal: and M."tt .:.rp , 4
)en.nsyl+uda Co Cpori'.ion, +o.it ven Caw:e a:b/a gut..;
oy dead dated Ju.y 7:, 1989 and recorded 1u:y 2., 1999 n the '1!ly.0
•
of The Records, of 14eds in and for %mbsclard Ccuta•
In Cod Soo. 3-14, Pa /• Ptnn.y;v irL%
.441
end gonna 4. Martin. hil ly .q. ;Canto raaM r.•i.'lyta ant: Steven Y ::,
PREMISES: 591-18 GENEVA DRIVE
(BEST COPY AVAILABLE)
VIERIFICATroN
1 FRANK PEDEMWp ESQUIRE hereby states that he is
j attorney for Plaintiff in this matter, that he is authorised to
i
i take this Verification, and that the statements made in the
foregoing Civil Action in Mortgage Foreclosure are true and correct
to the best of his knowledge, information and belief. The
undersigned understands that this statement is made subject to the
penalties of IS Pa. C. S. Sec. 4904 relating to unsworn
falsification to authorities.
DATE: -L - n-11--
r•
atilo uia3c rre'• aim ut aoe
Cc un 'ba3111<l5'11v
FEDERMAN AND PHELAN
BY: FRANK FEDERMAN, ESQUIRE
Identification No. 12248
Suite 900
Two Penn Center Plaza
Philadelph ia, PA 19102
(215) 563-7000
Attorney for Plaintiff
PROVIDENT BANK OF MARYLAND
PLAINTIFF
VS.
RANDY L. FLOOD
DEFENDANT
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
No_ 99-5030-CV
I PRAECIPE TO SUBSTITUTE VERIFICATION
TO THE PROTHONOTARY:
Kindly substitute the attached Verification with
respect to the Complaint filed in the instant matter.
FRANK FEDERMAN, ESQUIRE
Attorney for Plaintiff
Date: September 3, 3999
RANDY L FLOOD
441)', 14287
VERIFICATION
? 11
?d mQ , QnOsZ Q hereb% states that he/she is 2°.
?, Le _ 51 dP r,,+
of-/X ! bulldpri+ fA- ut-nJ5 SQnk,
mortgage servicing agent for Plal[ltiff it) this matter. tllat he/she is ;111thorizud to 21kc this
Verification. and that the statements made in the foregoing Cn-11 Action ul ',I:mgac. Forec10s111 Q
are tole and correct to the best of hu/hcr knoa ledge. information and bclirt The undrracned
understands that this sntemunt is made subject to the penaltlus of 18 Pa (' S Sec 4904 relating
to unshorn falsdicatlon to authorltlcs
'i
am T. Onoszko
ice President
i
DATE: m, ar27
4„?---y. 1999
O`
?eA
SHERIFF'S RETURN - NOT FOUND
CASE NO: 1999-05030 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PROVIDENT BANK OF MARYLAND
VS.
FLOOD RANDY L 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: FLOOD RANDY L A/K/A
FLOOD RANDY
but was unable to locate Him in his bailiwick. He therefore returns
the COMPLAINT - MORT FORE
NOTICE
NOT FOUND , as to the within named defendant
FLOOD RANDY L A/K/A FLOOD RANDY
DEFENDANT IS CURRENTLY A PATIENT IN MARWORTH
REHAB FACILITY, UNTIL APPROXIMATELY 9/24/99
Sheriff's Costs: So answer
Docketing 18.00
Service 6.20
Not Found Return 5.00
f
Surcharge 8.00 mas i ry
$37=0 FEDE 1999 PHELAN
Sworn and subscribed o before me
this 10? day of
19q 9 A.D.
?Vl. L1V31V lci?/
1 . ............ MMIIR?
00?!•£SS {Sl7)
ezeld ialua3 ueOd o.a
'iVi3HdCINdNW.18m 3j
aaeoutma m U, okwzzza
wr io»winn 31 iu 31tl63VZ1r
tCILO NJ3N
FEDERMAN AND PHELAN
By FRANK FEDERMAN. ESQUIRE
IDENTIFICATION NO. 12248
TWO PENN CENTER PLAZA. SUITE 900
PHILADELPHIA. PA 19102
(Ili) 563-7000
ATTORNEY FOR PLAINTIFF
COURT OF COMMON PLEAS
CIVIL DIVISION
I
I
PROVIDENT BANK OF MARYLAND
1 14 E. LEXINGTON STREET. 2"" FLOOR
BALTIMORE. MD 21202
Plaintiff
TERNI
NOW- Jr-030 e?&a
( LNIBERLA\D COL NT)'
RANDY L. FLOOD.
A/K/A RANDY FLOOD
391-18 GENEVA DRIVE
MECHANICSBURG. PA 17053
Defendant(s)
CIVIL ACTION - LAN'
MORTGAGE FORECLOSURE
NOTICE
THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANl INFORMATION WE
OBTAIN WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A
DISCHARGE IN BANKRUPTCY, THIS C'ORRESPONDENC'E SHOULD NOT BE CONSTRUED TO BE AN
ATTEMPT TO COLLECTA DERT BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY.
You haw ban sued ut Court If wu \\ Ish to defend against the chums set forth m the fOllo\cing
Pag\s. %uu must take action \\ithm n\ent\ (20) da\s after this C'omplalnt and \ouce are served.
b% entering a \\ritten appearance Imsouall\ or b\ attonte\ and film. it, N\rmn_ atilt the court
\our defenses or ob.Icctions to the claims set firth against %uu YOU are \\:rncd that d' Oki t;1il to
do so the case ma proceed \\ ithout .% oil and a Iudgntent ma\ be entered against \ url b\ the court
R 1110111 tnrther notice for ?It\ Inalle\ ClHllllell III the Complaint or for am other claim or relief
requested by the Plaintiff. You may lose monci or properq or other rights important to \011.
YOU SHOULD TAKE THIS PAPER TO YOIIR LAWYER AT ONCE IF YOL' 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 COUNT)'
CUMBERLAND COUNTY BAR ASSOCIATION
2 LIBERTY AVENUE
CARLISLE. PA 17013,
(717)249-3166
X17ORNEY FILL Y
PLEASE RETURN
Plaintiff is
PROVIDENT BANK OF MARYLAND
114 E. LEXINGTON STREET. 2"' FLOOR
BALTIMORE. MD 21202
The name(s) and last knout address(es) of the Defundant(s) are
RANDY L. FLOOD.
A/K/A RANDY FLOOD
591.18 GENEVA DRIVE
MECHANICSBURG. PA 17055
%%ho is/arc the mortgagor(s) and real omncr(s) of the pruperq hcr? ?rtfier described
On 4/29/96 mortgagor(s) made. ewcutcd and dclncred a mortgage upon the premises
hcrematier described to PROVIDENT MORTGAGE CORPORATION T/A
CONSOLIDATED MORTGAGE CORPORATION %%hich mortgage is recorded in the
Office of the Recorder of CUMBERLAND C'ount%. in Mortgagc Book No. 1317. Page
139. By Assignment of Mortgage recorded 5/1/96 the mortgage %%as assigned to
PLAINTIFF Much Assignment is recorded in Assignment of iNturtgagc Book No 319.
Page 66.
4. The premises subject to said mortgage is described as attached
5. The mortgage is in default because monthly pa%mcnts of principal and interest upun said
mortgage due 2/ 1 /99 and each month thereafter are due and unpaid. and b% the terms of
said mortgage. Upon Failure of mortgagor to make such pa) meats afior a date specified be
written notice sent to Mortgagor. the entire principal balance and all interest due thereon
are collectible forilmilh, A cope of such notice is attached as Exhibit "A "
The follomng amounts are due on the mortgage
Principal Balance Vi.006 30
Immst 2.633 13
I/I/99 through 6/I/99
(Per Diem $17.21)
Attomev's Fees 3,750.00
Cumulative Late Charges 231 00
4/29/96 to 6/1/99
('ost ol'Suit and Title Search 550 00
Subtotal X2.190 63
Escrow
Credit l 00
Deficit 0 00
Subtotal 0 On
TOTAL $82, 191163
The attonicv's fees set forth ibo%e are in confonmit' % %%ith the Mortgage docummnis and
Pcnnschania Lai. and gill be collected in the c%cnt of a third park purchaser at
ShcritYs Sale If [hc Mortgage is reinstated prior to the Sale. rcasunable attornc)'s fees
a ill be charged
X. This action does not cam; under Act 6 of 1974 because the m•igmal mortgage amount
exceeds $3(1.011(1.00.
9. The Tcmporan Stay as provided b% the Honicomicr's Enturgcnc? Mortgage Assistance
Program. Act r) I of 1983. has terminated because either:
(i.) Defendant(s) have failed to meet milt the Plaintiff or an authorized Credit
Counseling Agency in accordance tuth Plaintiffs written Notice to Defendants.
a true and correct cope of tthich is attached hereto as Exhibit "B": or
(ii.) Moidant(s) application for assistance has been re.1ccicd b) the Penns\ h auia
Housing Finance Ngenc\
10. Pursuant to the Fair Debt Collection Practices Act. 13 U.S.C § 1692 et seq
(1977). Defendant(s) nta) dispute the validiq of the debt or am portion thereof
If Defendant(s) do so in writing within thirty (30) days of receipt of this pleading.
Counsel for Plaintiff will obtain and pro%ide Defendant(s) tuth written
verification thereof: otherwise, the debt will be assumed to be %ahd Liken ise. if
requested within thirt% (30) days of receipt of this pleadmg. Counsel fur Plaintiff
will send Defendant(s) the name and address of the ongut:d creditor if different
front above
WHEREFORE. PLAINTIFF dcntauds an tyt rein Judgment against the Defcndangs) in the sum of
S82,190.63, together vv ith interest from 6/1 /99 at the rate of $17.21 per diem to the date of
Judgment, and other costs and charges collectible under the mortgage and for the forcclusurc and-
sale of the mortgaged propert%.
/s/ Frank Federman
FRANK FEDERMAN. ESQUIRE
Attontev for Plaintiff
Tr,,,,.
in Tief r
and tit s
f
.ai c; s ';i Ccu.. ° sa V hand
MY
This ../9
day of.
..................
" ale, Pa.
19.9f
!rotth;o,,0,;'
ary
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR
HOME FROM FORECLOSURE
THIS FIRM IS A DEBT COLLECTCR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS
S--11:' ':'C YV: :N AN ATTEMPT TO COLLE - _)I^EBTEOHESS R__cRAED '--::d AND ANY
INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. IF YOU HAVE
PREY i:O CSL'1 RECEIVED A DISCHARGE IN BANKRGPTCY, THIS CORRESPONCENCE IS NOT AND
SHOULD NOT BE CONSTRUED TO BE AN ATT 1=7 TO COLLECT A DEBT, PUT ON:.? ENFORCEMENT
OF A LIEN AGAINST PROPERTY.
The Commonwealth of P-annsy •tania's Hemecwner's Emergency Mcr-gage Assistance
Program may be able to he_p you. Read the following notice tc f`nd cut how the
program works.
I: you need more information cal'- the Pennsylvania Housing Finance Agency
at 1(800) 342-2397.
La rctifi acicn en adj_nto es d=_ suma imcortancia, pues afec-a sc derecho a
continuar viviendc an su casa Si no -=more-d? e1 contenido de esta noci?-oa=ten
obt?nqa una t:aduccior. 1TAedi3-2men-? 1_ananda esta agencia (Pennsylvania Housing
Finance Agency) sir. cargos al num?ra m_ncionado arriba. Puedes ser elegible para
un prestamo por el crograma i_amado Homeowner's Emergency Mortgage Assistance
Program" e1 cua- puede sa: ar su casade la perdida del derechc a redimir su
hipoteca.
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE.
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MARE FUTURE MORTGAGE PAYMENTS
Dace j,--e 23, 1999
RE: A=ct.nt Pic. 49314287
Premises:591-18 Geneva Drive - Mechanicsburg, PA 17055
TO: Randy Flood,
A/K/A Randy L. F_ocd
53.-.3 Geneva Drive
Mechanicsburg, PA '.705;
FROM: Federman and Phelan, a-torney for The Provident Savings Bank
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.
EXHIBIT B
Under the Act, you are entitled to a temporary stay of foreclosure on your
mortgage for thirty (3C) 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. As representative of the mortgage holder, our name and address is:
FEDERNAN AND PHELAN, SUITE 900, TWO PENN CENTER PLAZA, PBILADELPHIA, PA 19102;
Telephone Number: (215) 563-7000.
The names and address 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 failed to pay promptly installments
of principal and interest, as required, for a period of at least sixty (60) days.
The total amount of the delinquency is $3,915.24.
That sum includes the following:
Total of Princical plus interest including all accrued late charges, if any:
S3,915.24
Property Inspections and NSF check Charges,
if any: 0.00
Other charges accrued, -44 - any
LESS: Suspense (unapplied funds)
TOTAL DUE:
0.00
0.00
$3,915.24
Your mortgage is also in default for the following reasons: N/A .
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 flnancial ass'-stance 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 cf the designated consumer credit ccunse'-ing agencies listed
on the attachment. A. 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 your face-to-face meeting.
It is extremely important that you file your application promptly. If you do not do so, or if you do not follow
the other time periods set forth in this letter, foreclosure may proceed against your home immediately.
Availab:e funds for emergency mortgage assistance are very limited. They
we-- dcsccrse_ cv --e Agency under elig_b:L ty criteria established by the
Act.
EXHIBIT B
it is extremely imcortant that your accl'-aticn is accurate and complete in
every respect. The Pennsylvania Housing -
make a decision after it receive •-nance Agency has sixty (60) days to
.p s your acclicatior.. During that additional ti=e,
no forec1csu__ proceedings will be cursued 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 No.
(7:7) 780-3800 or 1-800-342-2397 (
hearing can call 1-800-342-2397. Z011 free number). Persons with impaired
,
In addition you may receive another notice from this lender under Act 6 of
1974. That notice is called "Notice of Intention to Foreclose"•
both notices, since they both explain rights that You must read
you now have under Pennsylvania
law. However, it you choose to exercise your rights described in this notice,
you cannot be foreclosed cpor, while you are receiving that assistance.
Very tru-Y Yours,
ay.
Frank F?Cerma.^.
FF/11
cc: The Provident Savings Bank (Jersey City, NJ)
Attn:Jess-a Myer, can N0.:493.,25'
Sent by Regular Mail, Certificate of Mailing (PS Form 3877)
EXHIBIT B
PENNSYZV?,-NIA HOCSL;G Mi.?LNCE AGENCY
EO:.NfEOWNER'S UYIERGENCY MORTGAGE ASSISTA.rCE PROGRAM
COPiSUNER CREDIT COCrSELCEG AGE.NCIES
CRAB-FORD COUNTY
Becker T. WasF_g!x Ce::e:
l :o lcila:d
?A 12:03
(8 ice) 'S3-57z
FAX s (8:s) s53-57x9
&--aver _:e Cac:=:airy Acton C.-M=i==
l9 Wes: Nic S See :
E ?A 1201
(8:a) s59-:531
FAX 4 (9:s) 56-0161
Shea: gc valley GnaaL Etc.
601 Eacia=a Ave_tu
ra-:1:. ?:. 161:1
(S1:) 981.1310
ich: F Ke_edv C.-are.. E:c.
1Cm Scee:
:. PA 16. EO
(S:s) 998-3:00
F.4.C a (81s) 398-11:3
CL7?IBERLkN-D COL.1N'Y
Coasuae: Cn,-4t Caurset :.g Service of Wes::= Inc.
2000 L :^sles:cw: Road
F.ar.sh=;, P.k 1T 103
(7:7) Ss:-1"57
F.+.X a (9l:) 73i-9539
F_ a Ca,=eLiza Srv:ces of Fz:
31 Wes: 3r' Sr::
a'„-es:cro. ?A 17_08
Ferman L_yr_e of Met-occiima Fa.:sbu-;
:10- Ncr-?- 2L 3C:e:
Aa :smu:g, ?A 17101
( cr:.
FL( = : .sue:9
Y•wCA of Carlsie
301 G. Scee:
Cc?_ A:c:: Ccr=issicr of 2:e C_ci:at Regic:
15De-y Scee:
(_7:")
---'S -
r _< = (717 13 :;
1-csi:g _ZCS A;e_e::= be ac'_:? -,:! L F.Z° at 1(3CCj %:-:-97
EXHIBIT B
Tit, a Condo•aniun, lxred in Jpper Alan SOVnen:p, C"vr.anc Scunty.
Pacn•ylvsnla. which Jnit I. das.gnatod an the D40.AA4t:aa it sunqui:d
I::. a Condowth.ml Ith. -Declaration of Condominium-1 and Dac :a: at;ta
Plats and Plana As eseerdsd in the Recorder', Ottice at Cunoer;•ad
'busty an Nl.c. asek W. Pap 20, and in Night of 'day P;an Bock 9.
page 11: to amrdee in His.. book 169, Pegs 1:::. and 71 in atcA 17,
Page 112 and a fatther .mended in Iliac. look 765, Page 991 and Pier.
Book 51. Page 3:.
f009THlA wtth an undivided 1.9061% interest In Ca•u,mar floa.ntr as
:on dC.an:Yw
sore plat 1091•rtY set forth in the Aforesald Dse;aratlon Of
and D601aration Prate and Plana, to 4mnded aforesaid.
TOOrTRRR with :ha right to use any limited comven atomento 47p.:c4b:9
to the Unit be.nc canvgyad h•ttim, pcreaant co tho De C'.-rttiar at
CmIomin Wm and Declaration Platt and Plana, as Arandad.
VNDIA AND 1USJXC^. to day and al: covenants, condi;tons, rest:lrt:ons.
T1Ata-ef1way, de:.aente and agpsotwrtx of teeard on the a:Trosal,
01SaC4, the At OZalald First Ameradasnt -n D6cta: at.on, and ratter"
ehlch l physioa: inspection and avrh.y of the 7n1: arc caaccr t!--
would disclose.
TRt Orenteo ter and on behalf at the Grsrtae and the Crantre's hs::r,
(;e:conA; raprgeantatlves, eudr?deaere and adeagno. of the sctvptance
of this Dead. ea•nnontA mtl agree :o pwy sees a-g ass fn[ uaaaan:e
r6paarr, repl.01.VnC6 and ethq 4AD•ns4• In COnes<:;an with tn• .Paris+n
Z.4mant., and Any ::mited CehnOn l1A,nonts appe:tonAr.t ea ,I,
as Aar be oreasr+.i against has. her, :Nov. it, a. aA:: 'Jnit• t: rA
tane co %Law by cne Eaaeutive bacd of who 3u-gus:d f:: mcn.40n:naam
Ataec%A%.On in accordance ol-% the Un.Cora Cendod,AiI- Act of
Pgan•y: 11044, and fdrtAoC CcVgnaotd Ana Agra.. Char t.• .'Cr-e?It
by -h1. 0694 AM:: be sJbSdet to a lien for ..: amec-t3 w•tase1.el
uoept "oafs. a f•etlon Ja071c1 of tali Oniforn CondonincJa Ar.;
say ,•11svg a adt nqu.nt Unto owner Of I.atil;tyy to: -Pai;
aegeeanants. Th.a rove sat shall run vlth and bl Ad the :and at U.11,
h•[eay oa..eyet eubaaquant owner. th9a01.
317NG the same Prenlau which Hattin J. gal: and An*,.- :asp., a
Y 9nhay:V4014 Cor;0.4tion, 9777 dint venturers d/b/a SuG •e Joint vehtp-A
0f thed A dated OOV"T u Of Deeds g In a•d recorded C Atcar l and 2!, Cun1t9 Pnsn •e Ot:a, 1.1 an Dded book N-Js, 719q6 115, qr•n eed end eenwystl into 3:sv,r l'aniA. ten
Ord canna N. Nara: n, ha Vl:e, Dtenteir hereln.
D/eD GP Asbramilth:• or oAxA0f PARSZNG IPA:.: LI.e:SC7 CD:.'.rN C:E:sf:i
ALL THAT CTATA:N Garage Parking Spies, as dd:aad in -Me D•,.A:4t.0t
of COnden Lnium far Sunquild 111, a Cc-dcmin'ua its, "roeLa;ion al
CcndoAlnlca; 61 iec9fdad in the office of the RscOcder cf 0e01. far
Cunberla..4 Ceunty in NIsC• loot 157, Page 26, de amended :, hi •e.
look 167. Pegs and designated &a at on the ri:r.
fuChOt I to Oec;antaon Plan :000rd,d an 71an Book 57, Paqq :13
l and
uthet nded in Nisc. look 16:, page qg1 and plan Buck i6. ;,,5.
t;
oestgd to Upper Allen Sounship.
UNOrR sM0 SUSJTCi tc any and ail covenants, canditaonv, :sst:ic^.iana,
••ot-VAy. eatawnts and •gr•q"ftta a•, racerd in th. sic
:•eaid
so tl tn tlacca -s anien1a !pnyyDnoala:..apeet;.AnAnd sv.iT•y soret`a ^.•:ay ;4....
rp g;
c+ Llaatei CO Anon Clsa,ont would disclose.
T'18 ono ae. far and an behalf of tee G antra an
Persons. reproventatlves, euccu•ars And .seignta byeth44ac-• tans,:s.
Of than Dead, Covenentr And agrdei to pay each charges for .n.
op•BClam, m44nt•n4nf e, re psiz. asplaearant And other cape.... Ir
ennn•otton with the Garage Pdekleq Spaces Lin:tee :camas El•aenta,
•s eat torts in S•etidn 1.2 of the Dgelatat;cn of :and: ^L nraT, Ane
aA oth•rwlae provided An the Condominium Documents. 64 may be •apAs•d
Cmann against tl.ment, I.-M time to e time ? by o the 3a,eut/vo g3ei Space of c+i 6d n _
:1t Condo•inau. AsoecaatIon In •ccordanr. with the Vnl:or. Condominium.
Act of P6n,n6ylv4nia. end futher covenante and agrees ;tat tr• 9arage
h[klnq Specs :i erred ..soon Clameat conveyed Dy this De.d ,sere ar
auD•ac; 10 4 lien for •:t appunts so descried •ecapt lead fa: as soc-:cn
J105(e, of said Un;rorm Condominium Art may re'i4•e a subdequsr.t Cwne:
Of this ,:Age ?erAinq Space LAn1cId :Oe Oh s:•.'n; of :i ,pares' f
prier urpa.C u,esaa9nts. Isla cavensnt sha': r:n vita no d,-6 the
Land a[ Gary. Paekinq Space :,hated Comur. C.0m4lt ner.ay ra+v-yc
sad ,: elbseq'ent own•r6 therAef.
"IS ".870 Psrtinq 3pece Llwi:rd Cannon v:oncnt may rn ;ea::tc4:vd
on:y to An owagr of a Una- in 6unquit4 L:I. a Condanah iun• pursukrt
to the pcovistunr at isogon 3,09 (b1 of rise said Un.(or, nca?:r iaa
Aet and the
pr" Lslor. of the 410-464a Dec/a:at.dn a- CanCdn. eiar,
ap.ri(w a1 :y arc:udinq Section 6.3 -]erect.
bf:11C the sdee P-•. :.n 'Path He::" .. W41, and
Penney."nia COCp4ril:0n, +0int'ensue.. 4"'a E.t..r rp a
ay Deed dated Ju.: 1., 1769 And ••earwd Ju:y 2., 1999 .n the
?f: ?c.•
of :h4 Awarder o. Je 4da in and for -4mboc;and CCU-t7, Pgnnry:ear it.
1n Dead sooa t-1 s, lag-320, grartad and Cnnyuyd ants 3t.-.•n hue;:-
end GennA 4. w.: cis. his vif 4. 'v unto rs h•:. ii.
PREMISES: 591-18 GENEVA DRIVE
(BEST COPY AVAILABLE)
VERIFICATION
FRANK FEDERMAN, ESQUIRE hereby states that he is
attorney for Plaintiff in this matter, that he is authorized to
take this Verification, and that the statements made in tilm
foregoing Civil Action in Mortgage Foreclosure are true and correct
to the best of his knowledge, information and belief. The
undersigned understands that this statement is made subject to the
penalties of is Pa. C. S. Sec. 4904 relating to unsworn
falsification to authorities.
DATE: [)- ICS- 9 9
c+ ?
cmuLN fN w 0tWlzzg
NI'Te+IN,elul ?IOIi to n!
oauo NOV -aims ms nn
FEDERMAN AND PHELAN
By: Frank Federman, Esquire
Atty. I.D. No. 12248
Two Penn Center Plaza, Suite 900
Philadelphia, PA 19102-1799
(215) 563-7000
Provident Bank of Maryland
V.
Randy L. Flood,
a/k/a Randy Flood
ATTORNEY FOR PLAINTIFF
Cumberland County
Court of Common Pleas
Civil Division
No. 99-5030 Civil
PRAECIPE
TO THE PROTHONOTARY:
-X- A. Plaintiff hereby withdraws the complaint filed in this matter. Please mark this case
discontinued and ended without prejudice.
B. Please mark this case settled, discontinued and ended.
l o - l -?7'q
Date
Fran ederma
Atto ey for P aintiff