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Home My WebLink About99-05339?? s t ?l 4- w V ? eCe n 3 .? R w C T e ?a0 i a u H A U f . t r KEYSTONE FINANCIAL BANK, N.A. : IN THE COURT OF COMMON PLEAS Plaintiff : OF CUMBERLAND COUNTY, : PENNSYLVANIA V. CIVIL ACTION - LAW DAVID D. LAUVER and IN MORTGAGE FORECLOSURE BARBARA A. MCCLINTOCK, /7 Defendants CIVIL TERM 1999 chic 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 THE COMPLAINT AND NOTICE ARE SERVED, 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 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 KEYSTONE FINANCIAL BANK, N.A. : IN THE COURT OF COMMON PLEAS Plaintiff : OF CUMBERLAND COUNTY, : PENNSYLVANIA V. CIVIL ACTION -LAW DAVID D. LAUVER and IN MORTGAGE FORECLOSURE BARBARA A. MCCLINTOCK, Defendants : CIVIL TERM 1999 - IJ39 ?f -ra- COMPLAINT AND NOW, comes Keystone Financial Bank, N.A., through its Attorney, William A. Duncan, Esquire, and files this Complaint in Mortgage Foreclosure, of which the following is a statement: 1. Plaintiff is Keystone Financial Bank, N.A., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania with its main office and principal place of business located at I West High Street, Carlisle, Cumberland County, Pennsylvania 17013. 2. Defendant, DAVID D. LAUVER, an adult individual, resides at 207 Frystown Road, Carlisle, Cumberland County, Pennsylvania, and Defendant, BARBARA A. MCCLINTOCK, an adult individual, resides at 89 East Main Street, Newville, Cumberland County, Pennsylvania. 3. On or about November 15, 1989, Defendant made, executed and delivered to Plaintiff a real estate mortgage financing Sixty-one Thousand Six Hundred Sixty-two and 60/100 Dollars ($61,662.60), a copy of said real estate mortgage being attached hereto as Exhibits "A" and incorporated herein by reference as though fully set forth. 4. On or about November 15, 1990, Defendants made, executed and delivered to Plaintiff a note and security agreement financing Twenty-four Thousand Twenty-six and 38/100 Dollars ($24,026.38), a copy of said real estate mortgage being attached hereto as Exhibit "B", respectively, and incorporated herein by reference as though fully set forth. 5. Said note and said real estate mortgage have not been assigned. 6. David D. Lauver, is the sole record owner in fee simple of said premises subject to said mortgage, by virtue of a Deed dated November 14, 1989, and recorded in the Cumberland County Recorder's Office in Deed Book Volume&PageNnmore specifically set forth in Exhibit "C", attached hereto and made a part hereof by reference. 7. Said note and said real estate mortgage are in default because Defendants herein have failed to pay the payments that were due and owing for the months of May 1999, June 1999, July 1999, and August 1999. 8. The Plaintiff has given to the Defendants written notice of intention to foreclose on said mortgage as required by law under Act 6, dated July 20, 1999, a copy of which is marked Exhibits "D" and "E", and attached hereto and made a part hereof by reference. 9. The Plaintiff has given written notice of default as required by the Homeowner's Emergency Assistance Act of 1983, dated July 20, 1999, a copy of which is marked Exhibits "P" and "G", and attached hereto and made a part hereof by reference. 10. By reason of the aforesaid default, the entire principal balance of Eighteen Thousand One Hundred Twenty-one and 78/100 ($18,121.78) Dollars, with interest thereon at the rate of 14.50 % percent per annum computed from May 5,. 1999, along with late charges and attorneys fees now due and payable. 1 I. The Defendants are liable to the Plaintiff for the following on said mortgage loan: A. Principal amount and interest due to date $16,625.71 B. Insurance credit - 166.50 C. Attorney's Collection fee 1,662.57 TOTAL: $ 18,121.78 WHEREFORE, Plaintiff prays the Court to enter judgment in favor of Plaintiff and to order the foreclosure and sale of the mortgaged property and for the amount of Eighteen Thousand One Hundred Twenty-one and 78/100 ($18,121.78) Dollars, together with interest thereon, costs and all other amounts advanced by Plaintiff. Iliam A. Duncan, Esquire Attorney for Plaintiff 1 Irvine Row Carlisle, PA 17013 (717) 249-7780 VERIFICATION I, Jack V. Hutchison, hereby verify that I am an Assistant Vice President of Financial Trust Company, that I make this verification being authorized to do so, and the facts set forth in the foregoing Complaint are true and correct to the best of my knowledge. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unswom falsification to authorities. /,rack V. Hutchison Asst. Vice President Financial Trust Company 0 REAL ESTATE MORTGAGE INDENTURE, msal. this -15111 . rby nl,lby®DLI?j9 ,.,.J yt?y„ ___..OTvid -_.-.., _ IMORTGAGORS) .naafi and FARMERS TRUST COMPANY, a Penmyl„vda CwDursllan IMCNTGAGEEI. _- 1 h3at 1119h _.-- Sutel, Gel l?le ..-___ .Pmwylvanla. MORTGAGORS, an this Mt. hove aaanuln: +,4'e by the trmt of •hkh MORTGAGORS hove becomt Indebted to MORTGAGEE In the sum u1.61.fiG2.60_ Onua•un1.Mid. includim lnm•.hlncPacillnl lladn, wild. -1W__ n4mh hen the Mu Karol in 160__.... .•rnhly Im1Wm1,nu gl .742,57.__0dla, and the lint Inalalbnant to 14 Mid an_Dtn:._ , IS _09ae1 the auaMit4 Iaallmanu to IM fd an th 15th day of e"h manlh thrcefln until the entice sum due Is Meld k, lull. This MmlPW and the lf.nlhrtml $hall be uauih lu. thic,kbt Ael la any a.d all IMm Thal may In made by MORTGAGEE to MORTGAGORS as arty 1a...,cn4;pwkhd, I.hv,y tlu, as ang,a Yap n I theunl.id Iwlawn of the pave, bbl ad Al tubw"anl loans e.cesd In Ih aaytlylu n u.pdd Iwe an",,, of S GI, 441 _tt0 „ MORTGAGORS ewananl ad waum that MURTGAGORS have full two n.ph, title to Ih mW l"ved welni4l heal alt" daaribed, that MORTGAGORS will My it. aline nrntl"wrl dcn A rarlu4.IIT thamd aahe. and Any fWat faun a mquhad; that lhluingnpan 114 Mtmlv,thdll4 keel hnu,"f.ytimt Ives 4y Ile lot Ihahmalil DI MORTGAGEE, In rompanin and anwnla ulhlacimy so MORTGAGEE, wltb • alaelad mwlgawt afauU: and MORTGAGORS Will My any M., aaesamont or edw law"Mrlsh"A charge. Including watt and Uwe rein, seated against or Impmarl upon IN uld fewduh, and .111 dour" to MORTOAGEE rldpla 114rdw Immwlimely al4n,ema d. Upon ronlvym.nt by MORTGAGORS of any bnlalbwnl an IN dale whm such Inalallmmt 9.11 fall Jut, the entire balance of the admitted debt shall bacons, due and Mvable. aI eve Italian of MORTGAGEE, a provided M IN Mle. In she want that MORTGAGEE Utah. n •Ibewy I- Institute an aelbn an the WJ note a to fwedo4 an this more",ben MORTGAGORS "I My. In aklilian to it. Nance toe an 11. said non, Ind.%,1.11,11. II1,y, an attwmYY rotlecian I"Of IS 1,c.1,l-1114 full wnwn111-slutrwlcalol Wis.a.l In lhew.nt that MORTGAGEE 0416im a jwr"I against MOAT. GAGORS in tip pal an the said wit or on this lawless, laed Ih"nlt" latua • grit of amiian w oth. mpwoM4u writ an the mid Ml"I, then MORTGAGORS dwd,y wave all .ighll rd henrit, user &W and all law or min of cowl now as here all" in a fni 72111IN Or wrmilthp My nasnpliat or stay of e.ewlim agaml tiN morlgawd P"Ims as Wy othw wowrly whaleawer, and any such IadDment "I b" hnneh, at the applicable isle unti11M full amount JM MORTGAGEE he a:Iwlly paid by the Shull or olh"wiw. NOW THEREFORE, MORTGAGORS. In cowidnatim of the Uhl debt. land to "sun pa nu n1 "oof. hereby want. bagdn and sell to MORTGAGEE ALL THAT CERTAIN heal or Well of Land s;In.%, in the Counly at Qxsbt la Cemmonwsallh of P"ewyl.nLa, move Mlkulaly,NalW In theDaW r.OoJded 9In lBh G1oLlf]b lIl_ w h .rl1 awdip of ,el, In Dens Gook No.-pae _"adolher ke it so. .Tat , -17013,UppeFFrankfard-TV.VW)ip-6.080-Act -_ TOGETHER with IN ddkKAp hnp~w,It, l10h, mWil"M Malls., nJ appurlsh anva, and the ran dcea, ramdRd"4 rm1A hsllgs 1,Q wDfill IIMroI. Y - _ _ . .. . . TO HAVE AND TO HCHO 1N add yrern!v. unto MORTGAGEE lawn. PROVIDED, 1,a natimeq 0.1 it MORTGAGORS DWI My to MOnTGAGEE the roaU debt m W 6nWlwo wI lwth. the the estate NrdWWanted "I asst, dN"mk4 ad I.aan4 vokL IN WITNESS WHEREOF Ile sald MORTGAGORS h14 heremto eel hack ad mass the day and yeA first drove .film Sigma. maled ref delivered I. the ptvwtol: DO Id Dt ,tAr X. A ? •?sal+? ISEAu COMMONWEALTH OF PENNSYLVANIA-- •- _ ISEALI I :{rail COUNTY OF __CuNbcr1AAd-__. -- _SS , On 1N loyal -Nov_enLe?.. .lE 8y . Wlon, me. p"mm0y appessd the I I O bwenanned and nd In due form of I. wk.kdpd the Abcnnu INDENTURE OE MORTGAGE to be that, MILL ha aM rokmuy at and rke4 ref ,eared that It be lattended A such. ?a AA (/??' /?y? WITNESS mY And AdNlN hayanJ yea dw.W1L??•t,L/ItQ__l 1. Cj ' Nelre Purge ' Q TN se"ge, .1114 within rnsrnerl kkvpyeH " pea A ?=1A O.5GaWaalACa IL&jo,-13..17011INCaadUU .. YrAa,iYa'RI,e1a,.lanaiadlelay an lanes of MORTGAGEE EXHIBIT .T 1,„r 32 NOTE AND'{ECURITY AGREEMENT, G4n_tpl,__15. R-33. /aTIM.Rasw _ __ O,?.r.r rwnlwd4..nalwray r- 7 p In CM let r I A=t k rue rwr.Rmm Ilpar II.S % 535.®,M 1 24.G26.38 I I 59.054.41) Y.ak.Ry fwM Nhnr.n INwJNM1 mwM1 Npr errrrrawr fernlp lw ae Pxy. naa wMNa .It ®r {WI «Rwrlr M «n(Nw OD M1wIwnIM «rlM rw'nl ._ RMI eStdte 1019 Dsl 317 Carlisle OR 17013 r'YE[a1_?7,4D -19wDRmrN2TlE-R hF------ p"ORION. am "I Jrrrq. tw.RMNNRMIIrWt. SrrlrrNrrlrMl««yN.WMrMMr+Ix4waPNNNrprtnrrlallWLrlrgwN'priPwPMMMI Nt.YYkR Nk, W /WLW rIAPe rN {rnJNl IM Ak.4 M1rlrwry it",. ANwN rr..N ,QFy.N.I YMV.4.Mr..hwrwpn Nllrk Nar W Yantip AgxrarNl.Wk1 srwkV rM•Nar'1 Yw.r W w.b.Vu r•Wrwrr'w'E.aWAI kN.l'wnlW Nkprrwd{r Ylw.er[N>»NYbK.uluuwp WrelwYr.ls JNMw PROMISE You FAOUf TINA CORNalr 1 Was High TO ,AY to to U us: TDgd pit. Se t7$fRa11Rh1791T ' ur lNerewar.N eslNwr uIYM1IM ArrIwr FlkrN.Mw' I(rcNUprnrYrV kb.,kl14..wMrNNvN w.nul wl.NN. Je..r WFUrrYYWr. 1'.Irka.urdw bO.uywlMlnrrrlNntlnr Pyrn.SMduM WNe.IMr.vdq NeMfJ.NnguwlW VUtlw wpW in Irl Ye. uTMY4tl..rrJ w pMNIM II-INr; A.liwr..nbw Feltwpnaivr. f A(CI RIII'.IGRLLVLYLMw'wnl he IN P.c7l Plmmr MrM mmNw A' NI'M HDP/V/FRCSr/S('NARG[O:IM fn.rr OUP r...kl. eYF NiuNy IO it WIN pryer ttrlnr er ww:luur ttiwrM i.IWr..Y'wr.Iwr IwMwJI.a/rlk """I'S ". NNVAN N, CP. N UrN JA .wrrnl w4wliuMfWO.inl ttrwW M+RnY.W k. P"'r A--. TM F... ch., GNrN L Jew.brtmy rNwti A rleurkl: NwPrrm.M wYwrrx. wnwriwdwrYirlw/win if yrKJ mkq O.rNIW Y.M.. YN.rNN.MtlIniaW CIeA irw W m" 1' 1FfYU Ccrtlflute of title to ...1, IN fi-cl p..A utwwn De1DSe inerst kblle lDle rww.ElNN•RMC Hie n, w.TM °wN N, i.r...NNLrarw On L Nrt1 IA2350 SO'IdI Ib 0I2.3omi nor 19® IY NrrN.wNNIM.dw. Tet"a'??WMrWVn/knM1w Ow M.INt NIrrM INNdn pew, rNNJ .wwrient tldN Is IM ttrwnN pnttnT u.q Ina lime. Iu1 .Meng«upw O+NrN r r D1Wn? 717 f 11 I&2 AIIIM ryeprryrhkA Nrurn lhi. N'.cmw1Wd.kT .... A? ?p IWr m".nba ..... dinp.tttr....IF ttnt C Ssw eOwwwprwiJN inehir n) A&....,. eWkh..... inn IM ru.w.Ne. Mr rVhl. IN wY nN Nuwnp CNI4m.1 .n NnniW "'IN Mr IW. A+Lw npnN. You .JI rrM:r.NPi. rilh w u6s.i.s.ul nliy Jwvrew W inuluL an, aNN .Irk WkWwinn Nrrru.ry la ttrfrw, ttrfniw N,.w UI.dp AN IF NO REAL 4 PERSONAL PJtOFLRTY IS IDENTIFIED ABOVE. THIS NOTE IS UNSECURED. SLTOM TM I.. sm. r. rink NwNf I. M N Yw w."Yi..a pwN.dk r up lis, ININin{ Mpelk a.rN. TK wNaw au, J Pr RO T n(nM w drN N iMtlk{ MaR W r"It PAT N n. rygrnT / . wA Pwrwwh apPil Nsknu, M Ik.ur Ik aw w Ihh Nr. FLOOOIASI'RA.YC£:IfrhnlN IJ.Ikur.rrkrtENM Y.iN+MNIw.N IPNwrd Nd PettnY w a.bi4 bae CJaua FROFERrTINSE'RANCE1 It"' HAN kraurtV by Ceaarr.l.hkWk w N. Y^^n+k.. W.. y.INI phNid dwye 1.rk C.ela" ? rquiN IwrN fill Orr ade Nine. FLOOD INSURANCE AND PROPERTY INSURANCE MAY RE OBTAIN Ft) THROI'GH ANY AGENT, RROR[R OR OTHER PERS(IN OF VK& CHOICE. Sol I., .n w wepe'lr Ee QAAS,,NiIj kwek klYn.rw bil". RY wjmu,,Jw nr Sigk ClNil LifNnwnur, --?" ""w t rlkNOTICEOFTROMSEDCRFli1T1\{MANCFan4rewierMiryq .hkW SwNi At ulninR I" wNl Single CnNk MOrk R Mr.kW LY.i ???? Wrrun, vhiW Salve{ gNnLlarrhrhwr/aNCMA WNUVm, David Lid vel: .W<W rr4s N.M we Ry.M?rNN?l.4rnwuJw mg4CWn a • vlw.P/ Iwunrrer r Vwrn pawn k an i, r 1' °gl+ Mn _Ytn Aa:kNR Krh Irw.rrr wha Ylkr.N! 34 Ye.n V'w k Nw yw__Y.rr L Yn.Iw M -ye. penr y y ruwN In.urcr ILAN CMA rLd lru.us --?n+u+* or AN_ ru urt raLwn murrlr. Ry,? r. I fl _ 1 I I'O r •2 r I ?,.. . -- ------• ...., .,..rwr.. r.0 AmT OF TNIS NOTE Nvld D LJJAV' W'11-11 sV.nue mDarbam A HXI InW C; 'rwTw. FM kx 317 Carlisle Pa 17013 Xrd NOTICE TO COSIGNER You rtebeing Hied to thin debt. And nrelullY before Yoa fIM RRrrnwer dorm pq Ik drM, Inn, Uj Mre In. 1 the wee Yau rgn.tturd np.1 pq H i/). )ou Ane lee kid Ih.1 You runl l0 nnrq dR.IAklrepan Nil, s, hk 1•uR hue a py up n Ihr lull.moum aflhe drhl Iflhe RorrR«erlon not yq. You mq.kohne leery We leer a eodew whkA Inernler Ohl, emuunl. nm lpn I (P.%I&%IRIS'RI rVAGAII IIFWI V....k ttrwlwryrwneuplqu• mI.N rvMr duM, a r'v.NrJ m qn \nr. Yw wrN IeY 4wlh hwN m.k4lhn ryumw a rNwr nor mde rk Wn m r4 brmn.nn rhagh IM mmrJUre MtwNrtrem pm Nrhnw m0'n1.N Mw awl la wfwrn. vp.n In\gwrl Sygrmr ?- 1_u \q?a W,rn.r FU 'IN YI'RS AFC( Airy AOREI.IIL 1r Yerr. IM Nm. ulwng u •Ce 0.wr A,...... n.wrugrmuw mIM l'ullnrrN WxJN.bn.IIM Cena(n APn.wmwnW yrnlJnu mu rMwn, . I. m.l N M1 N Lwn n„rm EXHIBIT . 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FIIPNM•1„ a Yn r wrLr{ ILyMr nipnJ.•M.IY4J Ununp Jn<ulrM,µMN rf 'wrYw'l`{wryrM{MNrw J+YrM,.•.n,m lrn.mllwrP, ,,II < W•nwr.m mwr lull-JwxMlM ran.. •• I. IN r.erY •MurHlL.xxwrrW.M4e O{n•.r4n w4MJrX.nNmrMrmurNJ,rurlrl mJ,w • PI+)raw a14 rµLlr{M UNrryW uur.o.W JIIfF: VI [ 1 ROYI lD1 FOR INMR FANT IVl ORNAtlOV I? .a As 0 0 r r 4ts Dzro??" 11119EIII/: 14th '1""f November /our 6nn(onr rAuandninr Aunt[+rd elghly-olue (1999) inrb yar 111.7'11'Eim MLYN 1. FOSTER and P,LVl Ni.1 MSTER, sister and brother, of Newvllle, CuwLer ul County, Pennsylvania; ^^'f DAVID 0. LAUVER, pravluusly known as David D. Faster, ifs Newvllle, Cumberlaml r,.o,rty, Peousylvnnin; 11 11 r----------------•-_-_--_--._ .._-..-_•_•- __-_-_- _•-•-_-_-_- _•-•-_- •__-_-.-.... _.(}I .1111)'-"--'--"-"'-" n A.n?l pmA. rAr •r: vyn .Aar Jis AnrF! nln.?. !..brat. IAr r.nA a•.u.r 9 •b FrrrA! pmr ...ll. nl.,rl r_rA+wW,r•umn his heirs and assigns: t' C' ALL I'IIAT CERTAIN tract .r land slUurlc in Ulper Frankfort[ Township, Cumberland County, Pennsylvania, bounds( and described ns follows: BEGINNING at a point in Ibe center of Township Road T-441 at nonlllwest corner of land now or formerly of Ray E. Neldlgh, Jr., mid Debra Neldlgh and formerly part of the Estate of Florence. E. Foster, South 01 degree 00 minntes 00 seconds West 929.52 feet to turner of land now or formerly of Robert. L. Bear; thence South 83 degrees 41 minutes 59 seconds West 87.96 feet to corner of land nnl or formerly of Ira C. Kroner; thence North 26 degrees 31 minntes 09 seconds West 496.42 feet to a point at land now or formerly of John W. Statlec And Township Road T-441; thence Nnrth RI degrees 43 minutes 53 seconds Nast 360.14 feet to a point at lard now or formerly of Paul W. Nikesnll; thence North 26 degrees 37 minutes 07 seconds West 63.05 feet; thence continuing along fond of said Mlkesell North 50 degrees 12 minutes 29 seconds East 287.19 fee to a point; thence AlueR land now or formerly of Ira Kramer North 6l degrees 32 minntes 40 seconds East 396 feet to a point In sold Township Road 'I'-541; thence continuing along caller I r e 0 0 y line of said road North 84 degrees 15 minutes 20 seconds East 141.84 feet to place of BEGINNING. BEING the same tract of land known as the David D. Foster Estate recorded III Cumberland County Decd Book "T", Volume 27, Page 732. AND BEING the same tract of land which the Estate of David D. Foster by a Decree Awarding [teal Estate dated October 9, 1979 and recorded in the Office of the Recorder of Deeds In and for Cumberland County lit Deed Book "R", Volume 28, Page 770, granted and conveyed unto Evelyn 1. Foster and David D. Foster, Grantors list eln. David D. Foster, one of the Grantors herein, has since adopted the name of David D. Lauver and Is known by all as David 1). Louver. David D. Lauver IS the Grantee herein. This is a real estate transfer between sister and brother to brother and is therefore exempt from real estate transfer taxes. I i I .? .IN14b r.iJpw+rw¦ 4e.lyowuw uJ.pw A., they ....p.J ! ..n....++, generally ,4. ?..y..q 4.114 • 1. C...,•....?..u.'t !-[a.y:.;8/.h.::]c".. \•.r ::: f: `'2.i2:eii?)?Ll'iNA L. r ..e O ref h.'? t . r . 0 0 INg'Il'NES$WIIEREOF. widp+nmr s hove Aruul+,.r theiC Fulda +nJ,rJS rhr J+2 od InIuI11.FIIN MIIIIn. ??)) BIpnlb. NmlrA. glib pldlurnb 1 '' 4 <<j? ? - •?•L {''e lYn/}. Fe L r n 1112yrcnnrt gf 1Jyy.?),? IIl .yS(?-' _?_...(,,. ???= Ilnvyd-: Foster "?" Sr+Ir / PENNSYLVANIA f:+Iw y f CUMBERLAND w89 .6•/`•r^•• V. 'hie. the 14th November . rho undnridnnl rrr,pu,ondlyrppw,IJ Evelyn 1. Foster and David D. Foster _ ,.el„itd 1. IAr ti,Ain Inorn b ldr (m ,mi / nm Jl provi) In b ,Ar I'I r+u.I rAr w?xl%+, r61e•n,p•m Aarin rwmnd... w.rmmmr, u,4dnuxIrdrrJ lA+1 they INg'12'NESS 1611KNEOP'Arrr+nl+ul Ml h.u.fnn.l.p?Jl nlfud. N O'SAfIIAL SEA - ..---- lillr +J(1?I•r. FCMr141,StE nt smuts asURS puallC DMIaCUPCtnLA Olet IAISSIMI MIMS Still. 2.1992 PV'MIt•Pr.StSpll+d nngln flm+ 0.IV,. . e f Ir nil, (1+the Jq dr+nL.. ig.44f."' prr,nn+Ilprppel"d Ir IM +YAi+ iurn?r+r, unrf ddnrr .p+,w wl,rl+nie+rrd L lnur+b wr t+r lAnriur+ n+duA,+ldad vrlFin/l rlpewlllUAr Ike pw At 111"I' d A+ p INa'IrNI:S.S g'llt'REOF. I Arrn+b orq F++Jn+J ri+hr+1 _. d1 1 i O O 1 d.hnrl9r.r,/J A+, Arprniw raiArna uAremplru psY nnlJ.n, ../,A. rn4in+nmr,/sworn L R.D. 09, [lox 317, Carlisle, PA 17013. November 14, 1989 n M Y o u c A o A elm c u Y u w W K V F4 w w I O v, u f? w ? s ? O ?0 O 0 10 > > > i'Y a o Grantee • s a v v,, Wu F 0 a x O W M s(M.as ? f1/.11.110.YR'E.11.1'0 (I{'/'F.'NN51'LV0'1A RECORDED.. W. 6Y./___?.- -_--- A. D. 19_• is Ar Rrcwdrr1 A, wld C..ry, I. Drd R..1 Liw+.+frr q E.+J.+Adr w.l n/Ar ,aiJ err. 14r JUr.6sn wiae? 711-77-777 7... M Keystone Financia? a 97 4' 294 633 P.O. BOX 1384 POTTSVILLE• PA 17901 PHONE: 1.800.895.9301 FAX: 717.828.9231 VIA CERTIFIED MAIL NOTICE OF INTENT TO FORECLOSE MORTGAGE Mr David D Lauver Date: July 20, 1999 207 Frystown Rd Carlisle PA 17013 The MORTGAGE held by Keystone Financial Bank, N.A., (hereinafter we, us or ours) on your property located at 207 Frystown Rd., Carlisle, PA 17013 IS IN SERIOUS DEFAULT because you have not made the following monthly payments: $328.08 for May 15, 1999; $328.08 for June 15, 1999; and $328.08 for July 15, 1999. Late charges (and other charges) have also accrued to this date in the amount of $0. The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter, is $984.24. You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of $984.14, plus any additional monthly payments and late charges which may fall due during this period. Such payment must be either by cash, cashier's check, certified check or money order, and made at Keystone Financial Bank, N.A., P.O. Box 1384, Pottsville, PA 17901-1384. 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 pay off the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed, your mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe to us, which may also include our 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. NOTICE OF INTENT TO FORECLOSE 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 Sheriffs 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 attorneys fees and costs connected with the foreclosure sale and perform any other requirements under the mortgage. It is estimated that the earliest date that the Sheriffs sale could be held would be approximately September 20, 1999. A notice of the date of the Sheriffs sale will be sent to you before [lie sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at anytime exactly what the required payment will be by calling us at the following number: (800) 895-9304. 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 Sheriffs 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 Sheriffs sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO 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 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 A THIRD PARTY ACTING ON YOUR BEHALF. lfyou cure the default, the mortgage svUl 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. Keystone FinannQci a , N.A. yJan?t Litt le 1CL/dnn Keystone Financial Certiliia Article Number SENDERS RECORD P.O. BOX 1384 POTTSVILLE. PA 17901 VIA CERTIFIED MAIL NOTICE OF INTENT TO FORECLOSE MORTGAGE Ms Barbara A McClintock 89 E Main St Newville PA 17241 Date: July 20, 1999 PHONE: 1.900.895.9304 FAX: 717.929.9231 The MORTGAGE held by Keystone Financial Bank, N.A., (hereinafter we, us or ours) on your property located at 207 Frystown Rd., Carlisle, PA 17013 IS IN SERIOUS DEFAULT because you have not made the following monthly payments: $328.08 for May 15, 1999; $328.08 for June 15, 1999; and $328.08 for July 15, 1999. Late charges (and other charges) have also accrued to this date in the amount of $0. The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter, is $984.24. You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of $984.24, plus any additional monthly payments and late charges which may fall due during this period. Such payment must be either by cash, cashier's check, certified check or money order, and made at Keystone Financial Bank, N.A., P.O. Box 1384, Pottsville, PA 17901-1384. 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 pay off the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed, your mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings arc 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 to us, which may also include our 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. EX? N NOTICE OF INTENT TO FORECLOSE 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 Sheriffs 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 the Sheriffs sale could be held would be approximately September 20, 1999. A notice of the date of the Sheriffs sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: (800) 895-9304. 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 Sheriffs sale will end yoar ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriffs sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO 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 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 A THIRD PARTY ACTING ON YOUR BEHALF. Ifyou cure the default, the mortgage will be restored to the same position as ifno default had occurred. However, you are not entitled to this right to cure your default more than three times in any calendar year. Keystone Financial Bank, N.A. C n C. Little A Justor JCL/dnn Keystone Financial P.O. BOX 1384 \ POrTSVILLE, PA 17901 ACT 91 NOTICE PHONE: 1.800.895.9304 FAX: 717-828.9231 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 (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 AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SE ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMD2 SU HH'OTECA. ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNER'S 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 RE: Mortgage #204958-20001 July 20, 1999 TO: Mr David D Lauver 207 Frystown Rd Carlisle PA 17013 FROM: Keystone Financial Bank, N.A. P.O. Box 1384 Pottsville, PA 17901-1384 You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowner's 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 arc 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 thirty (30) days. If you attend a face-to-fact meeting with this lender, or with a consumer credit counseling agency identified in this notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days after the date of this meeting. The name, address, and telephone number of our representatives are: Mark A. Munster Janet C. Little Workout Department Manager Loan Adjustor One South Centre Street One South Centre Street Pottsville, PA 17901 Pottsville, PA 17901 (570) 628-9373 (800) 895-9304 The names and addresses of designated consumer credit counseling agencies are: Consumer Credit Counseling Service of Lehigh Valley, Inc. 3671 Crescent Court East Whitehall, PA 18052 (610) 821-4011 or(800)220-2733 from area codes (717), (570), or (814) Commission on Economic Opportunity of Luzeme County 211-213 South Main Street Wilkes-Barre, PA 18701 (570) 826-0510 or (800) 822-0359 or (570) 455-4994 from Hazleton Housing Asso. & Development 411 Walnut Street P.O. Box 1505 Allentown, PA 18105 (610) 432-6336 Economic Opportunity Council of Reading and Berks County 229 Fourth Street Reading, PA 18601 (610) 376-6571 or (610) 376-6570 It is only necessary to schedule one face-to-face meeting. You should advise this lender immediately of your intentions. Your mortgage is in default because you have failed to pay promptly installments of principal and interest, as required, for a period of at least sixty (60) days. The total amount of the delinquency is $984.24. That sum includes the following monthly payments of: $328.08 for May 15, 1999; $328.08 for June 15, 1999; and $328.08 for July 15, 1999; plus late charges in the amount of $0. 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 above. 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 your face-to-face meeting. It is extremely important that you ftle your application promptly. If you do not do so, or ifyou 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 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 proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the 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. (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 assistance. Sincerely, ?)n C. L ittle stor 1CUdnn Keystone Financia(? Pn NnY 10 \ POrTSVILLE, PA 17901 ACT 91 NOTICE FAX: 717.626.9231 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 (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 AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SE ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNER'S 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 RE: Mortgage #204958-20001 TO: Ms Barbara A McClintock 89 E Main St Newville PA 17241 FROM: Keystone Financial Bank, N.A. P.O. Box 1384 Pottsville, PA 17901-1384 July 20, 1999 E EX BIT N You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowner's 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 thirty (30) days. If you attend a face-to-face meeting with this lender, or with a consumer credit counseling agency identified in this notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days after the date of this meeting. The name, address, and telephone number of our representatives are: Mark A. Munster Janet C. Little Workout Department Manager Loan Adjustor One South Centre Street One South Centre Street Pottsville, PA 17901 Pottsville, PA 17901 (570) 628-9373 (800) 895-9304 The names and addresses of designated consumer credit counseling agencies are: Consumer Credit Counseling Service of Lehigh Valley, Inc. 3671 Crescent Court East Whitehall, PA 18052 (610) 821-4011 or(800)220-2733 from area codes (717), (570), or (814) Commission on Economic Opportunity of Luzerne County 211-213 South Main Street Wilkes-Barre, PA 18701 (570) 826-0510 or(800)822-0359 or (570) 455-4994 from Hazleton Housing Asso. & Development 411 Walnut Street P.O. Box 1505 Allentown, PA 18105 (610) 432-6336 Economic Opportunity Council of Reading and Berks County 229 Fourth Street Reading, PA 18601 (610) 376-6571 or(610)376.6570 It is only necessary to schedule one face-to-face meeting. You should advise this lender immediately of your intentions. Your mortgage is in default because you have failed to pay promptly installments of principal and interest, as required, for a period of at least sixty (60) days. The total amount of the delinquency is $984.24. That sum includes the following monthly payments of. $328.08 for May 15, 1999; $328.08 for June 15, 1999; and $328.08 for July 15, 1999; plus late charges in the amount of $0. If you have tried and arc 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 above. 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 your face-to-face meeting. It is extremely important that you frle 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 hone immediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility 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 proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the 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. (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 assistance. Sincerely, ?, Ja t C. Little ustor JCVdnn fl ? OFFICE OF ruff ?NFR!FF I:y r AUG 31 3 47 PM '99 PENli IVArIIA a _ 33?a r m > v ? o v w .. c ? Q 0 V vi A U L \ ft. i * ? ' . SHERIFF'S RETURN - REGULAR CASE NO: 1999-05339 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND KEYSTONE FINANCIAL BANK NA VS. LAUVER DAVID D ET AL KELL Sheriff or Deputy Sheriff of CUMBERLAND County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon LAUVER DAVID D the defendant, at 12:33 HOURS, on the 15th day of September 1999 at 207 FRYSTOWN ROAD CARLISLE, PA 17013 CUMBERLAND County, Pennsylvania, by handing to DAVID D. LAUVER a true and attested copy of the COMPLAINT - MORT FORE together with NOTICE and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So a-nswe 18.00 5.58 .00 8.00 omas ine, srieriff $31.58 DL -11O/CAN 999TTO by Sworn and subscribed to before me this q/ ' day of L? ?L 19 9?) A. D. Dep- uty S heriff rounonouar SHERIFF'S RETURN - NOT FOUND AMENDED CASE NO: 1999-05339 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND KEYSTONE FINANCIAL BANK NA VS. LAUVER DAVID D 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: MCCLINTOCK BARBARA A but was unable to locate Her in his bailiwick. He therefore returns the COMPLAINT - MORT FORE NOTICE NOT FOUND as to the within named defendant MCCLINTOCK BARBARA A DEFT. NO LONGER AT ADDRESS PROVIDE, LEFT FWDG W/ P.O., HOWEVER COULD NOT BE SERVED PRIOR TO Sheriff's Costs: So answer Docketing 6.00 Service 8.06 Not Found Return 5.00 Surcharge 8.00 omas in eri $27-OS DUNCAN1990TTO Swori and subscribed to before me this 41 , day of l1 P? Q 19 A.D. r0 nOIIULaLy, f KEYSTONE FINANCIAL BANK, N.A. Plaintiff v. DAVID D. LAUVER and BARBARA A. MCCLINTOCK, Defendants : IN THE COURT OF COMMON PLEAS : OF CUMBERLAND COUNTY, : PENNSYLVANIA : CIVIL ACTION -LAW : IN MORTGAGE FORECLOSURE : CIVIL TERM 1999 NOTICE qC s-' .? CC> (' ( 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 THE COMPLAINT AND NOTICE ARE SERVED, 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 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 TRUE COPY FROM RECORD in Testimony whereof. I hero unto SM ny tmW and the seat of said Cou at Carlisle, I'e Thi `.day 1 Q_ Pr honmm KEYSTONE FINANCIAL BANK, N.A. : IN THE COURT OF COMMON PLEAS Plaintiff : OF CUMBERLAND COUNTY, : PENNSYLVANIA V. CIVIL ACTION -LAW DAVID D. LAUVER and IN MORTGAGE FORECLOSURE BARBARA A. MCCLINTOCK, Defendants CIVIL TERM 1999 COMPLAINT AND NOW, comes Keystone Financial Bank, N.A., through its Attorney, William A. Duncan, Esquire, and files this Complaint in Mortgage Foreclosure, of which the following is a statement: 1. Plaintiff is Keystone Financial Bank, N.A., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania with its main office and principal place of business located at 1 West High Street, Carlisle, Cumberland County, Pennsylvania 17013. 2. Defendant, DAVID D. LAUVER, an adult individual, resides at 207 Frystown Road, Carlisle, Cumberland County, Pennsylvania, and Defendant, BARBARA A. MCCLINTOCK, an adult individual, resides at 89 East Main Street, Newville, Cumberland County, Pennsylvania. 3. On or about November 15, 1989, Defendant made, executed and delivered to Plaintiffa real estate mortgage financing Sixty-one Thousand Six Hundred Sixty-two and 60/100 Dollars ($61,662.60), a copy of said real estate mortgage being attached hereto as Exhibits "A" and incorporated herein by reference as though fully set forth. 4. On or about November 15, 1990, Defendants made, executed and delivered to Plaintiff a note and security agreement financing Twenty-four Thousand Twenty-six and 38/100 Dollars ($24,026.38), a copy of said real estate mortgage being attached hereto as Exhibit "B", respectively, and incorporated herein by reference as though fully set forth. 5. Said note and said real estate mortgage have not been assigned. 6. David D. Lauver, is the sole record owner in fee simple of said premises subject to said mortgage, by virtue of a Deed dated November 14, 1989, and recorded in the Cumberland County Recorders Office in Deed Book 3?', Volume Pag?,y?nore specifically set forth in Exhibit "C", attached hereto and made a part hereof by reference. 7. Said note and said real estate mortgage are in default because Defendants herein have failed to pay the payments that were due and owing for the months of May 1999, June 1999, July 1999, and August 1999. 8. The Plaintiff has given to the Defendants written notice of intention to foreclose on said mortgage as required by law under Act 6, dated July 20, 1999, a copy of which is marked Exhibits "D" and "E", and attached hereto and made a part hereof by reference. 9. The Plaintiff has given written notice of default as required by the Homeowners Emergency Assistance Act of 1983, dated July 20, 1999, a copy of which is marked Exhibits "F" and "G", and attached hereto and made a part hereof by reference. 10. By reason of the aforesaid default, the entire principal balance of Eighteen Thousand One Hundred Twenty-one and 78/100 ($18,121.78) Dollars, with interest thereon at the rate of 14.50 % percent per annum computed from May 5,. 1999, along with late charges and attorneys fees now due and payable. 11. The Defendants are liable to the Plaintiff for the following on said mortgage loan: A. Principal amount and interest due to date $16,625.71 B. Insurance credit - 166.50 C. Attorney's Collection fee 1,662.57 TOTAL: $18,121.78 WHEREFORE, Plaintiff prays the Court to enter judgment in favor of Plaintiff and to order the foreclosure and sale of the mortgaged property and for the amount of Eighteen Thousand One Hundred Twenty-one and 78/100 ($18,121.78) Dollars, together with interest thereon, costs and all other amounts advanced by Plaintiff. MA AAA Iham A. Duncan, Esquire Attorney for Plaintiff 1 Irvine Row Carlisle, PA 17013 (717) 249-7780 VERIFICATION I, Jack V. Hutchison, hereby verify that I am an Assistant Vice President of Financial Trust Company, that I make this verification being authorized to do so, and the facts set forth in the foregoing Complaint are true and correct to the best of my knowledge. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unworn falsification to authorities. Aack Hutchison Asst. Vice President Financial Trust Company 0 i REAL ESTATE MORTGAGE INDENTURE, mrla this -15LIE_._ da,.I.DyeMbRt- A%.Wwmm nvrM .-_WV1d.D-La r.--_.. _. IMORTDAOORS) rW FARMERS TRUST COMPANY,, Pmw,%,withc W,Uon OSCNTOACEEI, 1 Most 111gh SC. _._....,.._ yea Chartists _ .Pm;rNtM; MORTGAGOR; on this dote. ham earvlo; ra•a by the lamt of . hid, MORTOAGORS hm beam ladtbtad to MORTGAGEE In viesaw T_b1.Ig2.6SL fThdd•y rolrpdd, IrtWhdlrq Mtr•M npriRd thwdn, wiUrhr .jRO mmlb Imm Ilia ate Imeol In 180._ _._ u.vrthlr Imtwmen s of . ]42,57.-Dollar. Ord tb INH WW"m of w be paid im _Dee._35•_ , ID _88md the auepaprw imullame, to we F W m The 1;eh day 01 each month 0mveltea until the mile reR two Is paid In 104. This MwtPPrW Nr1lmlhnml l;W b wvtwtlt he thisalA and for wise rd aE lam that car he rode by MORTGAGEE to MORTGAGORS N wY lutwe Ilnw; p«hlnl hrm«w.IhN H m Ihne 09R lay', oI the wyud Wlmut of the petrol olio MORTGAGORS e«mwt and wmant I" MORTGAGORS Then we lm Wmh this •.lbe nwes,d....•I.? r•..ma... wmwu«Y ro runtanULk dth a ela•Iwd marl -..---. ___. PEra auvr; ad MORTGAGGAS will paY wY i ahteronlnl ol oUw ppwwmm?wm?W wimp, l Ilmeld« p agile rW tnw Prot; -"d aFdmt « Moor) uDOn the said pamlrA and wiM dNM to MONTOAOEE rrdPU Il hrmmliRWr vpon tlrmarML UJ noryrymorttNMORTGAGORSofcarhmNkm,,mtbala Mean whelt hnldMml tlhall IaR d.r, dNMWabdarra NtbafomWdaM"beaonrdwa4pwdd;attheoptiono1MORTGAGEE,rw,,, Ntbrot; ALL THAT CERTAIN hael or pedal lmd t;waw 61hoct mly of QrEErla„•1 Comm«rW Ih d PwhmyMrd; math prlievbty daacrlW M tb Decal raa«dd H the ollb No Sr Md? of domain Oed DooLN4.?Wp -_-?rd oDiwwlM hrbml r'_R.D...ES.-BOL.11Z Cwrl._ as. -37013r DAPF F iltaNttor0.7 W wh I p_ 6.OBA lloFy-- TOGETHER with Nth bWd61%hap«wmt; fh/m,pMNM haedlwnww, rd aRomPw mr ad the r.W WM hwNRaw. ram; Itrlya arq pDGr d«rl .??`... _ TO HAVE AND TO VOID Ilea Wd ports unto MORTGAGEE lareyw. PROVIDED. rwwtbbt, that it MORTGAGORS aka l pay he MORTGAGEE Iha Mika d.M the hwahdrlwa w honk the, ON wuw hwebY Fwld it" awa.dMmim and ha ems vobl IN WITNESS WHEREOF Ihe wild MORTGAGOR& ism hwwwb w halt w wk the dry rW Yaw RrW abwo MOIn rWWA Now cad delirwd N the pwwvol: DO Da?°1J??C X aeKLJV...auaC?? ISEALI COMMONWEALTH OF PENNSYLVAMA- TEAL) CDUNTYOF _Ctubt:Clawl__ -- Go he ISIh _. and ,JigvewL<L__.IE 6Y bias nth, FarrmeY eaowd wile 1 -° E' abovemnrd ?gyJ,!l,yt louver _? rW cad M dw loan W Inv aekrmwltdPrd Ica aLOw IIIO[NTURf O( MORTOAO[ N b Yhlh ,1N0. caw cad Munlrr r1 aM , 'bek cad deakd that it braordd r lwh l 'WITNESS MY hard amt aeal theflW ad yaw d«arold •.•.. d_?[j . NMwr11MM: • Q ThedthsdFrdtNnnwrrdlikolp Is IRa'L •y 4MtEtr?Cy kNy r . Nltwdrr OfMae •1111 Ilrtanlaw7hwLowegeodltrwlN mbdwlol MORTGAGEE 1 . a.,f,Kyr 114 N' "ir NOW THEREFORE, MORTGAGOR; M r«wMwalim of the uM flew, ad w we Pay w thwrL lastly •w. W Pin rd fall to MORTGAGEE NOTE AND•IECURITT AGREEMENT, b.r M,r ti.11J3. /16TICe1rw:d0.w.Pwr amrrarl..aw m NS % f3sm.ce I11cm.3a Is 5305140 law Irrwrr 1 .awrwwrw I.as; INI t IS a I Wrr¢T rNwvssNrdr As Roast m N NMI II.tlAilreelaa.e..d ® hrkNaNN rawloN . Ami state 11119 Da 317 Carlisle Pe 17013 I*m Fm 1-37.00 PrNxw.t N Na Nr a raft 1N w an Yw N/I Nay drANIIes"M d WNana'"n'laver.rd.M.Iw.LRMdNlrarrrtrfariMerwhs.rslr "ww /YAawJwwaranRr.Awm FmraNWM1 I?? Nrwlrfesarl.ryrr•Erro.n'a Y..Iwr4Wr.Y..e\r.ewwnrr\1Nr W S••a'i/Mnwwl•YrakwMr'Nw1 Twm W Nerlw.YMY Nra Syun'blew.CrweHwrrFrrwrlwrw.eMrP.rl.irWY.rNwrl Wrvnrf.brrfwr TUY V PROMIS1 TO US, fAtll? TAIISf 00YNEf, 7 EfW TDP,AYTOUS: ft greet, P.O. In 7aleaft h 1761 ' .._-:r.?.._...as ..: n. wwnlr?ewrisaieaY VY?rI le.d dir Y.4.rn•1!wn Mlarle.w rlw rla. plan es W P y Ab W LT rCxaRCED: WiraFare CYna,1 tab A ;y-Wwd Y"ww r s . W Aver F r W 44 A I irnmbr4tea..:a Rr...r N.Nw.W WwJP.rW sas m ar r W Aa M Prr..re mEYaNMn. 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IJ aMwdy afw n«Islel eP hpr Rv TI7 CIA el isle Ann Pn Ilee• F - PZDODINSVRANCL Urrelr?.iw«w: ^Wrtd yJmlbnll law r 1wT ANIae N.Rrya\.\arrn lMr %a.. eJN WCdkwr'WrYa\rrW ?Na.rd rtrwamlare\Rrrw Cduerel Iw nya.rdYW rtNrd:e «fPmwalNMNfdrrtJw NnilN l.'kh a AdA. aw)rt.l C wy N"Rwa 1 Te aT PROPGPYPMURANCC•IfIW NreYawN\f CdanJalilYr:w Nwrwlaai-4 mPhrwdr rarr C l rorrer a Y M wvae• a.Nr.aW Mlwr--Pees. m aY w •W I.I.w NIi.i erawrw W-miss"w\r. IWANIM.a v rwmlYrraaiMyW FAR wa At WNra arw ea N••ral:wwl: WETdY?ralL?Nrfm.rr.s: Prrmi« r. W s.krl r FLWDIYSUNA.YCEANDPRUPERWINSUNA.vCEMATSEOSFAdED IF NO REAL OR PERSONAL PROPERTY IS IDENYIIIED ABOVE.THa Note is UNSECURED THROUGH ARE vY CNOICL Srrwrai, BROKER ON "HER PERSON OF Tq;¦ WYry\21rWSmrY A , r RrwrrwWwwr , dda Cnrl?iM.L\rw.fiE?Crsirl?U?fO:Srimaxwgreb rriaan.M MW.mNr:m.vin.ENRrwyNaf Ww•rrSYNaaaW .tb EaykCMiMrrN Nets\Iswanrenr.KM N (' l L rt 4w A wswrwC.Spn k i., a, Mw.IJY iblrlrweYN Waklealroarlw Jp.infa.rlirar.rr iw:w. hwNYe.ItaMY NrsMgl.r:wM Wrrrwa,Ye.rlwwiairN:WAaww Farts,Swrr NOTICe OFrROOMEp [DRf1 13 R w W I Nl Yaia.le. wae! Mnk Cr WWe Irrer, .Nr\swai} 3$ ? U . AN r m By WJn fw.r Sink CrraY Aadl,r a Was, h.Wylw W\wYPai.r Cnei4hlrwew r , ,? David L lC.NeL Ir.rrrr, aliMewa7 . Ni\wYf Mrr r/m?w Nai-ir..a lava a ?.,k Mn Iwanre a ? >w apT • 1. ares -Tw. 0. w N ?I AwikYNI M r m WWYareRt 34 YNa NIYYfenwT ?? Yru. 2 AnAaA a'auW Tw fr lJr f•G tL.-.._ MYltl D Id1AEF X N Box ill F 11 1 w 17011 IkMran Srae.rr ?? BNbafb A Nil Intadl 1019 OCR 317 Carlisle Pa 17013 +..w r w Tao ne klnN shed to E......... hla drW. ]bbrlNaafa ybefm ,sdo. (dH Corrowa dasssT M. we you roa Ixard 1. pay ifTao have la,aM Way you wan, to ampl this responsibility. P/Ik Iebt,Tw •ID hart tw. Too my hnetopq apt-Iht full lwoanlaflhrdebl iflhe lorrowadan Kips]. You my nkayalnpq late rmarcoNMlnn CW%nhkh farreaa. IMh amunl. 7beCMkwnneatlalthkdeWfruo)wamth"Inmeryla totoNNlDosthebrrowa.]beGMNNanweibissasstobMEon Nrlhodl grrl?outhsl can Nusrdsba1w11heBonawtr,swA as suinfyw,ele. Ifthkdehl keraNdefauk,141 fae1 my baonra 1paria(yomwer 11raord. Nrr I .NYar1A/mwe Add. D.w r\t suer a a. IMPORTMTINrOwMATION .Iwwappawa? y.?w of ,0 O dt o . vANAy OIY.rUtrn NA^N. M'VITM` ADDITIONAL TTNN.T 41 Tw ITA I' rq Y grl.bfrYWy:NYEIS fil rw FrN4gw We 1.1 Y^^IYrkrwipRl «il+garrlyrN Inl I LOSWrft WNWrMNIWvNW MrWUrL' W fVY«WMEM4.Lw.rw FgNFYYnNkrgn rYanNr YATW M " KWMNr! uF r?rgb 1,? grrw /«YIw wM ? 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RfrrfNf YgR,Y4f rif irlwrl,NN 4RnwYMk q 4ri rr ., fr NFwrlYirarrliyy? EY:r ILIR AY Ifr.W lfYl kin,FwYN LAM TL4 Nw -A k lNrlrY N b r y Ik in N W CfrrYl h a RAr/kYyrh klW 4wf1T1T, SM10N1. LOANANVnX"f[RAL W4Y N JI M AOR[EMLY[ rw n IGNfI IM Y Irq,W(rYYi1f 14M11f1P«YnI MYi,ry.iR Ylf.Nylr LN\TNi Yu N R w f ? [ 1Nr qll rglrEwgw'?N^INWiplgyrryrilRT.gNMTiY [R k O a .Yw AI YNIf 1Y1NYNy RYIrr fff^I?kl EarrjMrtvr, 'n LNq rY C.O.rnNWC r RT'Lw NOq?blRI14?WrYnfNrYTYy?+Y WrtEfi.• Mw'A SfIYION[. FICIVE . AORT[M[N 11 Ngf+rrirwbR.NwRrr, Ir11^IfNNrrYYxNlwrwl M 'd r ,f14CNI wawTk[r E 11 SFILL IIR'N. Etc. V. YawY14fNWNY IrrtWr4r NfRkrl^L Yr YrMIYIfIM\YMNr^IYRNr l i f YUwrrw wlflfrf r.klAwy ?gv?r4w ri?IW.IgfY Igl'YYII mr + l q. w.ON.YNIMM 4ftC Mr.NfITw IW Ya lerli?r/YnwmYAMirAMaTY N,Y?ST )Ylfrw 4l l'WN Y l IYyfllgTf^NIY r^rlly NafW_ Ya fyA^ gWMMVgcwls wlr4W MlffrilNyNra NYYAI?^ f r. rr a4lllp ^fn lNW alk 12 MALVTAIVIVOTIIECl1L1 ATTRAL Nlva^w)frlkWfNrlfWflwrfYkrtblYrNrr1 Fwwf:M lf ? V . AOwIr^I,>.NANwNr.QafilW l'WIYPNIrIWIgNYYWRIrW.TN\IR r(r'yY NF. MrY Yw rNMYYMrfWgkf rYlr E 1 SE[ 10Y, Yw.Y1 INIT. PrrIYa NIgIlNnIk CMI11nNYN NIrYNr ['T CNWnl-, W 1''Y4frN11klNIIr InINI P\w N.TwAIRW wIa ACI'IIVNIi II , T 1 LTIiNtNA NOLIICI OF RM:NR 1 . Ik f1NYrIN RIIYYI MARfPY: ^frwYS 1IJ. yfNYr rt Tn:,wr:ft Nlw brOr )w 1Y1NrlkrfwraAYyrr UIr Y.OIk rgYM rRnIT ? . NwW WSnrYT AFRVr rykYrT.ylrN.fNYW,grANwrrrMll rr4kNMlwrlfYl Nlw Nf l S WfrfYWnNYwr 4MMr Nw NNTfy Y^m Alii 111 rt IY Yff ryN,«AN«NryYM r^e..\.I.?_._... 41t IW Nw PgfnINAINNrNYIk rNlli mrY tAOgvMA:LM I() -..•.•.•__ 14"M M FAINT rnrul14AT10Y 0 -militates 0 • AIAII-4?. b.1 aw.,?,.J14 1 .:plat 04to?e?ed ALINETIIE 14th dY.4 November i, der,w ../wAlard.n, d.wu+Li,r A.+brf eighty-elite (1989) IIETS'EA'N EVELYN 1. FOSTER and DAVID D. FOSTER, sister and brother, of Newvllle, Cumberland County, Pennsylvania; G.+.w s . ..d DAVID D. LAUVER, previously known as David D. Foster, of Nevvllle, Cumberland r...nty, Penosylvanin; s'll'A'L:trEp'll.,A.n i, nnid r.rl...r ONF: ...................................... ' .. ................................(SI.(In)..................-----b•dr.,? yr A,nd p.i•l. ,A, ""'Pt rA.... f it AArAy ..A ... I,drnt at, wd ".+.w a b A...k, ...... n•a.uid/r..,,. his heirs and assigns: ALL 'I'ownshllp7 Cumberland rCounty, 1•cm?sylvaula,e bouIII U nded p ant descrllcd as follows: gp:CINNIN(: at a point in the center of Township Road T-441 at aunthwest corner of land now ar formerly of Ray E. Neldigh, Jr., and Debra Noldlgh and formerly part wf till Estate of Florence E. Foster, South Ol degree 00 ealunles 00 seconds Vast 929.52 feet to West 8796 f et to tcornehencerSouth 83 land C lcorner egreeso land now or minutes 59 fseconormerldy of in, or formerly of Ira C. Kramer; thence North 26 degrees 31 minutes 09 seconds West 496.42 feet to a point at land now or 8l formerly degrees of 43 John minlts te53 esecondsu?Westi 760.14 tatT-4411 to ha npoint rat I And now or formerly of Paul W. Nlkespll; thence North 26 degrees C 37 militates 07 seconds West 67.05 feet; thence continuing along Innd of said Nikesell North 50 degrees 12 minutes 29 seconds East 187.19 fee to a point; thence slung land now or formerly of Ira ?ointrlei North s61 , !TownshipaRoa32 d militates 1441; theatre c ntinuing aI ng center r +a i??bis 10 X V 0. 7d line of said road North 84 degrees 15 minutes 20 seconds East 141.84 feet to place of BEGINNING. BEING the same tract of lend known as the David D. Foster Estate recorded in Cumberland County Deed Book "T", Volume 27, Page 332. AND BEING the same tract of land which the Estate of David D. Foster by a Decree Awarding Real Estate dated October 9, 1979 and recorded in the Office of tile Recorder of Deeds in and for Cumberland County in Deed Book "R", Volume 28, Page 770, granted and conveyed unto Evelyn I. Fnster and David D. Foster, Grantors herein. David D. Foster, one of the Grantors herein, has since adopted the name of David D. Lauver and Is known by all as David D. Lauver. DAvid D. Lauver 1s ll,e Grantee herein. This Is a real estate transfer between sister and brother to brother and is therefore exempt from real estate transfer taxes. I.INDIII MIJaININa lII1l)bNIIMI uJynl ll+. Ihoy Na....N, generally .b.pgLp6..+y.NN,d I •'1.,. ,;1.0°t`(':'.'O ? ' "•?„ ?ri? l;rr.. ii V O IN O'Ifl0E$l NIIEREW; mid pule, s h+Ve terra+ls ew their A"J s uJ ends IFe Jq uJ sear fjrN.ire, nilb+. lHRnth. B/11eh. enh prouerch , -_ ••.L ? el r y 1Ige ?Irnnue sf /yh /I )? G _? _ •i.4 UavY?-6-: Foster r - ellITC L LI ,?• +i 14 ?r 1 Q ?l+lrf PENNSYLVANIA e4 Gar iyel CUNO1:RIAND IOhV .bef+nwa 1I. Wh IAr 14th J•r of November , IFr.+Jrrlls+rJrer,prre•+•Nr•rvrO1J Evelyn 1. Foster and David D. Foster 1+nn I.wr (W l.li f+wwdr prwd Ir &,,A, (.w,n.e A... ...'x are 'a"iAd b IAr .:Ihi+ ?xm.wr+t •+Jwl+wJwlpJIFN they nn+rdllr w:.r%w ltrynpv. atori+r.NwrL.. IM IrITNE.1%•'IIENA'OI: I Anew u1.p F.rnJ•nJ•/\11?\t?r.L . ?gw NOlAR SEA 8 fN1 s. l"I sL S rOdIC Tide.JP/f nr. CM OHIO. CourtAVND COON, lie EltSION tlrlKs SRI. 1+1917 McAe I'Yfiftl Fll l111e1l" If Ndrlel E \INe.f rA IL Ihit Ihr Ihr •+JrreyoJ?rrr, rw.+rOr yp+rd .Orrr w we Ar dlAi+ irN•+wr+l. Mw• m wr he, MagA, Ce ily re••ed It b" Ch, pew .A.N nJ,.rlrwfdphA.e M nres/ddr w+erfe, Arprpen llerriel fCeCC +rl IN Is IFA'1.3.1 N'll1'RE01C.1 ACMW-W q A.+J.+J"Jfrr'd'^I' ._.. - .. _ r CCU .. _ ._ .. _.... ro. race i I . _?.d`bv?.:? pis.: •.... . . I 0 0 f AA...4,rnr(/jM., A• pmrim •niw, ofn»pL,• pn•frn wl.1 a+ Jrbndi+++wdp.ur• L R.D. /9, Box 317, Carlisle, PA 17013. November 14, f989 Aa.,+q/• Grantee w a » M O Y Y M p d C u C yy,, - r+r u C V V ? , a M .?i H r . ao o a 13 s Me I ?M 0 L' o o wa, w ~ + s COMION NW..U.1'7t OF PENNSYLVANIA +A RECORDED.. W. A. 0. fV_, V M1• R•r«.In i.m •f d• rfJ Cw+y.4 DnI R..1 Clm+u!n»)4+.1 nAr4•ud,/r4r uiJ n, A. Ale Jew.•irba _- . I O Keyskone Financial or, P.O. BOX 13H POTTSVRLE, PA 17901 VIA CERTIFIED MAIL NOTICE OFINTENT TO FORECLOSEMORTGAGE Mr David D Lauver 207 Frystown Rd Carlisle PA 17013 Date: July 20, 1999 Certified Arlide Number • SENDERS RECORD PHONE: i4oo4954304 FAX: 717.629.9731 The MORTGAGE held by Keystone Financial Bank, N.A., (hereinafter we, us or ours) on your property located at 207 Frystown Rd., Carlisle, PA 17013 IS IN SERIOUS DEFAULT because you have not made the following monthly payments: $328.08 for May 15, 1999; $328.08 for June 15, 1999; and $328.08 for July 15, 1999. Late charges (and other charges) have also accrued to this date in the amount of $0. The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter, is $984.24. You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of $984.14, plus any additional monthly payments and late charges which may fall due during this period. Such payment must be either by cash, cashier's check, certified check or money order, and made at Keystone Financial Bank, N.A., P.O. Box 1384, Pottsville, PA 17901-1384. 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 pay off the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed, your mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorneys fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorneys fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe to us, which may also include our reasonable costs. Ifyou 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. NOTICE OF INTENT TO FORECLOSE 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 Sherds 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 the Sheriffs sale could be held would be approximately September 20, 1999. A notice of the date of the Sheriffs sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: (800) 895.9304. This payment must be in cash, cashier's check, ccrtified check or money order and made payable to us at the address stated above. You should realize that a Sheriffs 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 Sheriffs sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO 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 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 A THHtD PARTY ACTING ON YOUR BEHALF. Ifyou 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. Keystone ? Fin N.A. wrl Jan t C. Little stor JCUdnn Keystone Financia?4 P.O. BOX 1991 POrrSVILLE, PA 17991 P 974 294 632 rr FAX: VIA CERTIFIED MAIL NOTICE OF INTENT TO FORECLOSE MORTGAGE Ms Barbara A McClintock 89 E Main St Newville PA 17241 Date: July 20, 1999 The MORTGAGE held by Keystone Financial Bank, N.A., (hereinafter we, us or ours) on your property located at 207 Frystown Rd., Carlisle, PA 17013 IS IN SERIOUS DEFAULT because you have not made the following monthly payments: $328.08 for May 15, 1999; $328.08 for June 15, 1999; and $328.08 for July 15, 1999. Late charges (and other charges) have also accrued to this date in the amount of $0. The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter, is $984.24. You may cure this default within THIRTY (30) DAYS of the date of this letter, by paying to us the above amount of $984.24, plus any additional monthly payments and late charges which may fall due during this period. Such payment must be either by cash, cashier's check, certified check or money order, and made at Keystone Financial Bank, N.A., P.O. Box 1384, Pottsville, PA 17901-1384. If you do not cure the default within T=TY (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 pay off the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed, your mortgaged property will be sold by the Sheriff to pay ofjthe mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50.00. Any attorneys fees will be added to whatever you owe to us, which may also include our 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. NOTICE OF INTENT TO FORECLOSE 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 Sheriffi 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 the Sheriffs sale could be held would be approximately September 20, 1999. A notice of the date of the Sheriffs sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: (800) 895-9304. 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 Sheriffs 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 Sheriffs sale, a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO 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 WELL 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 A THIRD PARTY ACTING ON YOUR BEHALF. Ifyou 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. Keystone Financial Bank, N.A. C n C. Little A ,lustor JCUdnn Keystone Financial P07SVILLE, PA 17901 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 (800) 342-2397. LA NOTIFICACION EN ADJUNTO ES DE SUMA DMIPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION IMMEDIATAM ENTE LLAMANDA ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SE ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNER'S 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 RE: Mortgage 1!204958.20001 July 20, 1999 TO: Mr David D Lauver 207 Frystown Rd Carlisle PA 17013 FROM: Keystone Financial Bank, N.A. P.O. Box 1384 Pottsville, PA 17901-1384 717-029.9271 You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowner's 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 thirty (30) days. If you attend a face-to-face meeting with this lender, or with a consumer credit counseling agency identified in this notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days after the date of this meeting. The name, address, and telephone number of our representatives are: Mark A. Munster Janet C. Little Workout Department Manager Loan Adjustor One South Centre Street One South Centre Street Pottsville, PA 17901 Pottsville, PA 17901 (570) 628-9373 (800) 895-9304 The names and addresses of designated consumer credit counseling agencies are: Consumer Credit Counseling Service of Lehigh Valley, Inc. 3671 Crescent Court East Whitehall, PA 18052 (610) 821-4011 or(800)220-2733 from area codes (717), (570), or (814) Commission on Economic Opportunity of Luzeme County 211-213 South Main Street Wilkes-Barre, PA 18701 (570) 826-0510 or(800)822-0359 or (570) 4554994 from Hazleton Housing Asso. & Development 411 Walnut Street P.O. Box 1505 Allentown, PA 18105 (610) 432-6336 Economic Opportunity Council of Reading and Berks County 229 Fourth Street Reading, PA 18601 (610) 376-6571 or(610)376-6570 It is only necessary to schedule one face-to-face meeting. You should advise this lender immediately of your intentions. Your mortgage is in default because you have failed to pay promptly installments of principal and interest, as required, for a period of at least sixty (60) days. The total amount of the delinquency is $984.24. That sum includes the following monthly payments of: $328.08 for May 15, 1999; $328.08 for June 15, 1999; and $328.08 for July 15, 1999; plus late charges in the amount of $0. 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 above. 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 your face-to-face meeting. It is extremely Important thhat you file your application promptly. Ifyou do not do so, or ifyou 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 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 proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the 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. (717) 780-3800 or I-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 assistance. Sincerely, Sn C. Little Justor JCUdnn Keystone Financial P&rii Iu E, PA tramt PHONE: FM: 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 (800) 342-2397. LA NOTIFICACION EN ADJUNTO ES DE SUMA U"ORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR vrmNDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION IMMEDIATAMENTE LLAMANDA ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SE ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDMIR SU HIPOTECA. ACT 91 NOTICE IMPORTANT. NOTICE OF HOMEOWNER'S 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 RE: Mortgage #204958-20001 July 20, 1999 TO: Ms Barbara A McClintock 89 E Main St Newville PA 17241 FROM: Keystone Financial Bank, N.A. P.O. Box 1384 Pottsville, PA 17901-1384 .... You may be eligible for financial assistance that will prevent foreclosure on your mortgage if you comply with the provisions of the Homeowner's 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 thirty (30) days. If you attend a face-to-face meeting with this lender, or with a consumer credit counseling agency identified in this notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days after the date of this meeting. The name, address, and telephone number of our representatives are: Mark A. Munster Janet C. Little Workout Department Manager Loan Adjustor One South Centre Street One South Centre Street Pottsville, PA 17901 Pottsville, PA 17901 (570) 628-9373 (800) 895-9304 The names and addresses of designated consumer credit counseling agencies are: Consumer Credit Counseling Service of Lehigh Valley, Inc. 3671 Crescent Court East Whitehall, PA 18052 (610) 821-4011 or (800) 220.2733 from area codes (717), (570), or (814) Commission on Economic Opportunity of Luzeme County 211-213 South Main Street Wilkes-Barre, PA 18701 (570) 826-0510 or (800) 822-0359 or (570) 455-4994 from Hazleton Housing Asso. & Development 411 Walnut Street P.O. Box 1505 Allentown, PA 18105 (610) 432-6336 Economic Opportunity Council of Reading and Berks County 229 Fourth Street Reading, PA 18601 (610) 376-6571 or (610) 376-6570 It is only necessary to schedule one face-to-face meeting. You should advise this lender immediately of your intentions. Your mortgage is in default because you have failed to pay promptly installments of principal and interest, as required, for a period of at least sixty (60) days. The total amount of the delinquency is $984.24. That sum includes the following monthly payments of.. $328.08 for May 15, 1999; $328.08 for June 15, 1999; and $328.08 for July 15, 1999; plus late charges in the amount of $0. I . . . - .. 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 above. 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 your face-to-face meeting. It is extremely Important that you frle your application promptly. Ifyou do not du so, or Ifyou do not follow ilte oUrer time periods set fortir in ilris letter, foreclosure may proceed against your hone immediately. Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility 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 proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the 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. (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 assistance. Sincerely, C6. rU . Li ttle or r JCUdnn