HomeMy WebLinkAbout99-06517 77
f
i
t
f k
b
A ,
41
r
f
cr
A
i
N
Y
??
yy
YJ
-4
C
r
?f
f
GOLDBECK MCCAFFERTY & MCKEEVER
BY: Joseph A. Goldbeck, Jr.
Attorney I.D.416132
Suite 500 - The Bourse Bldg.
111 S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
Attorney for Plaintiff
AAMES FUNDING CORP.
P.O. Box 76930
Los Angeles, CA 90076
Plaintiff
Va.
RICHARD L. PICKEN
(Mortgagor(s) and Real Owner(s))
257 Roxbury Road
Newville, PA 17241
Defendant(s)
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY
CIVIL ACTION - LAW
:ACTION OF MORTGAGE FORECLOSURE
Term
No. 2i o?
Q9 - 46s'/7 L
CIVIL ACTION: MORTGAGE
FORECLOSURE
THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING
TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION
OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF
COLLECTING THE DEBT.
o en ice
You have been sued in court. If you wash to a against the claims set forth In the !allowing pages,
you must take action within [retry days alter the Complaint and notice are served, by entering written
appearance personally or attorney and !!11th in writing with the court your defenses or objections to to the
claims eat forth against you. You are warned that It you lull to do so the tees my proceed without you and hd e
o
or tame may be entered against you by she Court without further notice for any money claimed In the Complaint
or law any other claim or wallaf requested by the Plaintiff. You may lone 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,
00 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
(800) 990-9108
Legal Services Inc.
8 1"Ine Row, Carlisle, PA 17011
(717) 241.9400
V R O
LE RAN DEMANDADO A USTED EN IA CORTE. S ES DEFENDERSE CONTRA LAS DUEJAS PERESERTADAS, ES
ABSOLUTAMENTE NECESSARIO DUE USTED RESPONDA DENTIN) DE 20 DIAS DESPUES DE SER SERVIDO CON ESTA DENANDA Y AVISO.
PARA DEFENDERSE ES NECESSARIO DUE LISTED, 0 SU ADOOADO, REOISTRE CON LA CORTE EN FORMA ESCRITA, EL PUNTO DE VISTA
DE LISTED Y CUALOUIER OBJECCION CONTRA LAS OUEJAS EN ESTA DEMANDA.
RENERDS, SI USTED NO ROPONDE A ESTA DEMANDA, BE PUEDE PROSEGUIR CON 61, PROCESO SIN SU PARTICIPACION.
ENTONCES, LA COVTE PUEDE, SIN NOTtFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y REOUERIRA DUE LISTED CUMPLA CON 70DAS
LAS PROVISIONES D6 ESTA DEMANDA. POR RAZOR DR ESA DECISION, ES MSSI13LE DUE USTED PUEDA PERDER DINERO, PROPISDAD
U GYROS DERECHOS IMPORTANTES.
LLEVE ESTA DEMANDA A UN ABOOADO IMMEDIATAMENTE.
$I NO CONOCE A UN ABOOADO, LLAME AL 'LAWYER REFERENCE SERVICE' (6ERVicio DE REFERENCIA DE ABOOADOS),
215-218-6100.
Cumberland County Bar Association
2 Liberty Avenue, Carlisle, PA
(000) 990 9106
Legal Services Inc.
8 Irvine Row, Carlisle, PA 17011
(717) 241 9400
COMPLAINT IN MORTGAGE FORECLOSURE
1. Plaintiff is AAMES FUNDING CORP., P.O. Box 76930, Los
Angeles, CA 90076.
2. The name(s) and address(es) of the Defendant(s) is/are
RICHARD L. PICKEN, 257 Roxbury Road, Newville, PA 17241, who is/are
the mortgagor(s) and real owner(s) of the mortgaged property
hereinafter described.
3. On June 15, 1998, mortgagor(s) made, executed and
delivered a mortgage upon the premises hereinafter described to
AAMES FUNDING CORP., which mortgage is recorded in the Office of
the Recorder of Deeds of Cumberland County in Mortgage Book 1463,
Page 7. The mortgage has not been assigned. These documents are
matters of public record and are incorporated herein by reference
in accordance with Pennsylvania Rule of Civil Procedure 1019(g).
4. The premises subject to said mortgage is described as
attached.
5. The mortgage is in default because monthly payments of
principal and interest upon said mortgage due May 1, 1999, and
each month thereafter are due and unpaid, and by the terms of said
mortgage, upon default in such payments for a period of one month,
the entire principal balance and all interest due thereon are
collectible forthwith.
6. The following amounts are due on the mortgage:
Principal Balance $ 850557.13
Interest from 4/ 1/99
through 10/31/99 at 11.750% 5,866.02
Per diem interest rate at $27.54
Attorney's Fee at 5%
of Principal Balance 4,277.86
Late Charges 5/ 1/99-10/31/99 519.60
Monthly late charge amount at $86.60
Costs of suit and Title Search 560.00
$ 96,780.61
Escrow Balance
Monthly Escrow amount $
$ 96,780.61
7. The Attorney's Fees set forth above are in conformity
with the Mortgage documents and Pennsylvania law, and, will be
collected in the event of a third party purchaser at Sheriff's
Sale. If the Mortgage is reinstated prior to the Sale reasonable
Attorney's Fees will be charged based on work actually performed.
8. Notice of Intention to Foreclose and a Notice of
Homeowners' Emergency Mortgage Assistance has been sent to
Defendant (s) by Certified and regular mail, as required by Act 160
of 1998 of the Commonwealth of Pennsylvania, on the date(s) set
forth in the true and correct copy of such notice(s) attached
hereto as Exhibit "A". The Defendant(s) has/have not had the
required face to face meeting within the required time and
Plaintiff has no knowledge of any such meeting being requested by
the Defendant(s) through the Plaintiff, the Pennsylvania Housing
Finance Agency, or any appropriate Consumer Credit Counseling
Agency.
WHEREFORE, Plaintiff demands judgment in mortgage foreclosure
the sum of $96,780.61, together with interest at the rate of
$27.54, per day and other expenses incurred by the Plaintiff which
are properly chargeable in accordance with the terms of the
mortgage, and for the foreclosure and sale of the mortgaged
premises.
By:
GOLDBECK ( c? McKEEVER
BY: Josep A. G ld k, Jr., Esq.
Attorney for Plainti f
215 627 7,r4
NOV 16 '98 02*07PM GCLDBECK MCC;*TERTY (21S)6ci 34
P.2/2
.7y' T .ION
r' S as the representative of the
Plaintiff corporation within named do hereby verify that I am
authorized to and do make this verification on behalf of the
Plaintiff corporation and the facts set forth in the foregoing
Complaint are true and correct to the best of my knowledge,
information and belief. I understand that false statements therein
are made subject to the penalties of 19 pa. C.S. 4904 relating to
unsworn falsification to authorities.
Date (a5 9?f
E\1111111''• k"
lit aCT NU. 1!
AI.LTIIA'I CUTA1N vett, .(Sand atlwta In Lawn MJnin 7ownabip,
CoMerialBl t-nunly, l'enrwylrmia. u Jwwn en a Swirly re, Ilene L Viabse, prepwwl by
Thullou Alvin NaR, Regletwed 3wttyw, ba•pJW end dwarlbod as fellows, to wit:
aIGINNING is der tons, of 1wSb Woo Kevu 21001 w the twd,wl enmer or
me Neclndacenbcd proposal TIIIINCR IsatMS Wit mad and onuiq ever an Iran phi 211 feet
Irom the sent" *fluid rood, Nash e6 d"ye" to maauwe Wow, 200 00 feet 10 an free pin;
THENCU North 42 degrees 20 minimal Bak 200.00 has to an loon pin; THONCS South K,
dlorsae 40 minutsa Ilaek 200 feat as a qJ?a, bewinS pled orw m Iran pin 20 fan (lam Rts
tensor of and mad; THCNCR in wild amens out wtw of said LagolaUN Keats 21001, South 41
dept" 211 mmw" Vol 20000 MI to The point of aIGINNING.
TRAM NO. 2r
ALL THAT CIRTAIN wul of land Situation Loww Mifflin Township,
Cumberland County, peMayl"nls, hGWWW and described Purtumi Is a Survey by'I7wnta A.
Neff. Retoterd Surveyor, dated Ausue 22, 1973, and orpovd by am Planning Cnmmlaion or
Cundpn4al Couoly on 1971, t7 rallmq:
HF.(IINNINC t1 a'pike In the CMUC(Palwyly Wet IIIdlway Rdult No.'9N
(ubu tmm, as L.K. 210nq w aatwr afeUus law flow or late of Uom S. pbeena U. Ndtw;
I HENCE by Uw tint, of uW Rod, South d) dcpeaa 30 minwa W40.21) 6w m a pdtc,
'I*IlbNCR by land now ur life of W hem R. and Ara S. Philw, NOM e6 degrw e0 Mnuten
Wook 270 62 Got in an Iran pin; THSNCS by the munk North 36 agrees 30 mklu "work
113 6e Mt to an Iron pin; THaNCK by Ur sung, North 12 depw 20 comma Paak 210.!3 for
in an imn sin, TI(RNC.S ?y the germ South e6 designs e0 monolog auk 660.00 rest to a eplko In
the Sevier of the public food arernsaW; THSNCU by the ewutr of old roll South 43 Jagmu 211
nunntst Wat. 11n foci Is a $plto; THIlNCaby aW sUter land now or his of L'laut S. ao,m
plortnwa C. Hooter. North N; dog" NI minuite Wok 10000 fat le sal half PIN THINCL' by
Ill* lend. {truth 41 Acton 30 mingta W W, 200 00 rea lo
an Iron sin; THONCL' by IM wren,
tnuln c0 deport t0 minutr 4n, 7Un,r tit w der pow d ?tOtNNINO.
L'RCRPTING TIIIRIPROM ALL THAT CKKTAIN place at pool of mud
lying, ,hunt and NiaS In the TwrorMp dLowe MlRlln, c.,mty of Cwn?Mand. MuMeJ std
tlt"nbod a follows. Is wlt-
IILCINNINU in anwUw a(Slaa Rewg 997 a an salttiod palkw Kaman lull;
Ilgpta A W'S t•niwnrw prM 097 Sloth forty.throa (d)) dyrgaa thlnywn (3I) ntimm?.IhMy
nmu f IVI t«nnM Waw u,w huMlroJ wsbt and thinY•ntoa hadndUw (I0t.19I rest lu o nilrorl
yuks;+huwulwig n ad 011ww or fwmermy VI'lUchatd Pkktrk orwh)th this lot was ro modys
pan. North fnnyate pe) Mpces INny+lhw h9) nslnwr UiinyoTw (] 1) eauaoWo Wcn tl,n.
handrail w,e anA aeremyOaA1 hutWreJlb' Udt,7q fen to oe Irola pin; lhanta etmUnules along
I loci 02 North forty.lhrn (d)) Aegrest thlny.ang ()I) milwla UdnyWne (39) awonds Ran aw
h+wdrtA dshl and thiny.not hwWeatkM (10117) rest to Whom pin; th nco slops Jowl ".ill
funrwaty of lulu, X. Wight south Irwlyos (de) degree 1hMy.Aiu (19) m;eaTer %him"" (11)
hCuln'N P.amnhrn humlred one and arenlycryht honlydTM (101.7q (m w U+e place of
6rylnnmy
hit wife, by I dewutt Pin M nh 29. I"n W rtN door Cyllto in mMwCounaty of • 9ul+er, ill Cunibcrbrd oil Manh Ju, I99n In Hood Ilrk Ia.M, pop 21U, goals and ennreyN ant"
Rrthard 1.. Mckcu and Clauwa R. prim, loll wire, In fn,
d.ltJ (kWh, 17l. 11,Pl0 red reeodtd in
111CW1 ill/, ? p jig j doimal unto C, (hard L 11m1
.
? r
AaRnes
EXHIBIT A,
July 13, 1999
4f.?.riN7^?
i
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR
HOME FROM FORECLOSURE
lQ;?iO w" f It?.q:..;k.5., .r,. ...gi:'!tiS`}Y!d•:
The HOMEOWNER'S MORTG/
3ENCY • ?,
he
vidth Counseling Agency.
y e
_,j},fir} l1 }?••
mtv
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 INMEDIATAMENTE LLAMANDO ESTA
AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO
MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO FOR EL PROGRAMA
LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL
PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA.
Richard L. Picken
257 Roxbury Road
Newville, PA 17241
LOAN ACCT. NO.: 4477049
ORIGINAL LENDER: Aames Home Loan
CURRENT LENDER/SERVICER: Aames Home Loan
Acmes Home Loan 350 S. Grand Avenue
47th Floor
Los Angeles, CA 90071
Your home.
This Notice exolaihs how the orogrnm works
Mailing Address: PO Box 76930, Los Angeles. CA 90076
This Notice contains important legal information. If you have any questions, representatives at the
Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an
attomey in your area. The local bar association may be able to help you f nd a lawyer.
Page 2 of S
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
,I
IF YOU COMPLY WITII THE PROVISIONS OF nit: HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTACE ACT OF 1983 (TILE "ACT"), YOU MAY fill ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE: ;..., ,,...,
• IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCIES BEYOUND YOUR CONTROL, '
IF YOU HAVE A REASONABLE PROSPIECI' 01; 111ANO ABLE TO PAY YOUR MORTGAGE
PAYMENTS, AND
•. IF. YOU , MEET OTHER 9LIGIBILI-l'Y.-rREQUIREMIINTS t;:ESTABLISHED,tcBY"hTHBO$kS'lif!,y1:1 1
PENNSYLVANIA HOUSING FINANCIE,A(WNCY,
TEMPORARY STAY OF FOREC .OSIIItE-Under the Act, you are entitled to a temporary stay iofsr!iV,* r,- 41
foreclosure on your mortgage for thirty (30) days from the dale of this Notice. During that time you must
arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the
CONSUMER CREDIT COUNSELING: AGENCIM'v._.If you meet with one of the consumer credit...,
counseling agencies listed at the end of this notice, the Icndcr may NOT take action against you for thirty
(30) days after the date of this mccting, 1hcJtpllics. addresses and telephone numbers of designated
consumer credit counseling-Umo g fuLjhutt wWlt which the property is located are set forth at the end of
his Notice, It is only necessary to t.chedule one facc.to.facc meeting. Advise your lender immediately of
your intentions.
APPLICATION FOR MOMAGLASSISTANCE•..Your mortgage is in default for the reasons set
forth later in this Notice (sec page 3 for spcellic information about the nature of your default.) If you have
tried and are unable to resolve this problem with the lender, you have the right to apply for financial
assistance from the Homeowner's hntcrgcuey Mortgage Assistance Program. To do so, you must fill out,
sign and file a completed I lontcowner's Emergency Assistance Program Application with one of the
designated consumer credit coun%chng agencies listed at the end of this Notice. Only consumer credit
counseling agencies have applications lift the progrunt and they will assist you in submitting a complete
application to the Pennsylvania Ilousutg Finance Agency. Your application MUST be filed or postmarked
within thirty (30) days of your face-to-face meeting.
YOU MUST FILE VOI1R APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO
NOT FOLLOW THE O'T HER 'TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE
MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR
MORTGAGE. ASSIS'T'ANCE WILL BE DENIED.
Page 3 of "
AGENCY ACTION---Available funds for emergency mortgage assistance are very limited. They will be
disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing
Finance Agency has sixty (60) days to make a'declsion'after it receives your application. During that time, no
foreclosure proceeding will be pursued against you if you have met the time requirements set forth above.
You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your
application. '
NOTE: IF YOU•ARE CURRENMY PROTECTED BY THE FILINO OF A PETITION IN
BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES
ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT.
(If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.)
44ft 0 7,"b y!t
HOW TO CURE YOUR.MORTGAGE DEFAULT (Bring it up to date).
NATURE OF THE DEFAULT-The M04TG GE debt held by the above creditor on, your pro rperty,
located at: 257 Roxbury Road, Newv111e; PA 17241 s:" ` t, ra,. a 9 .i
IS SERIOUSLY IN DEFAULT because: *}, ; .', r ,':., *' • xi?i+r8:.rni.
A. YOU HAVE NOT MADE THE MONTHLY MORTGAGE PAYMENTS for the following months aiid
the following amounts are now past due:
Description Amount due '
Monthly Payments of $866.07 per month are
due from 05/01/99 to 07/01/99. $2,598.21
Late charges of $86.60 per month are due
from 05/01/99 to 06101/99. $173.20
Uncollected late charges $346.40
TOTAL AMOUNT PAST DUE: 53,117.81
Page 4 of J
HOW TO CURE THE DEFAULT---You may cure the default within THIRTY (30) DAYS of the date of
this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS
$3,117.81, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE
DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check.
certified check or money order made navable and sent to;
AAMESHOMELOAN
350 South Grand Avenue, 43'd Floor
Los Angeles, CA 90071.
IF YOU DO NOT CURE THE DEFAULT---If you do not cure the default within THIRTY (30) DAYS of
the date of this Notice, the lender Intends to exercise Its rights to accelerate the mortgage debt. This
means that the entire outstanding balance of this debt will be considered due immediately and you may lose
the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not
¢jy ktr made, ptjthiniTHIRTY,(30) DAYS, thy•Iendenalso intends to instruct its attomeys;to:start legaligetion,ttJ1000dVt
foreclose upon your mortgaged oroaerty. ,
IF THE MORTGAGE IS FORECLOSED UPON---The mortgaged property will be sold by the Sheriff to.v., r•.
pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before
the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's'
fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will
have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any .: ;
attorney's fee will be added to the amount you owe the lender, which may also include other reasonable'
costs. If You cu
attorney's fees.
OTHER LENDER REMEDIES-The lender may also suc you personally for the unpaid principal balance
and all other sums due under the mortgag•.-.
the THIRTY (30) DAY period an.l foreclosure proceeding have begun,
have not cured the default
writing by the lender and by performing any other requirements under the mortgage Curing your default In
the manner set forth in this notice will restore your mortgage to the same position as if you had never
defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE. DATE---It is estimated that the earliest date that such a
Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the
date of this Notice. A notice of the actual 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 or action will be by contacting the lender.
r t*a
Page 5 of.I
HOW TO CONTACT THE LENDER:
Aames Home Loan
Camp Hill Branch
214 Senate Avenue Suite #600
'Camp Hill, PA 17011
-Phone Number: (717) 731-1010
Fax Number. (717) 731.0909
Cdntact Person: Robin Blazina
.? t
.?..;::?7tlMtoo I
EFFECT OF SHERIFF'S SALE---You should realize that a Sheriffs Sale will end your ownership of the
mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sule,
a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any timer
w
will, assume the mortgage debt, provided that p1l the outstanding payments, charges and attomey's fees and ,..
. costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE, RIGHT:
r_;•F:,, .
• 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. :H
• TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF f' $ t y y
• TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD'a r;rr
OCCURRED, LF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO „•
CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.)
• TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR
ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS.
• TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY
THE LENDER.
• TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY
(Please see attached oaee(s).)
Special Assets Department
Christine Luna
(800)805.6515
Team P
> :.. 'jw.n a .,.w 5 v s..Nf;
? •MX?
? y.
ra; G wtir+r^ lad:?'?7Z'?I+FaS?-'r114?4?1?'"'n?t'lxsn! t'?.?cCi r ? • Y7 'in r °?i ' ? + ti+?f , 4`'?d?l
??H?.' !{7? Y
'1?YJ? H ?t"ilr'.r .
r via so
.' ffjT-° CC
„ ' L s r
- 77 V 9 II?OIy • .,
t.?M
WUl Vd 3111AM3N
i
OVOH AunGXOU LBZ
N3N0Id-1OHVHOIH '.?
•"• r t I •: r71`l?'? .r+? ?If? 11 ?"f' 'J! '"MfL??, l tt i' ?..i t t , r?. iA
1
r 6VOLL11000 y?.,Y'}•'l Ai i • `
'Il .ystT/S *fi
jlf:Y? sr', ,.n ir•?
u
F
I
y
.. ... ... }
±:?4•I~r 11.r ...
,
?iti
lk"
r,
. r
h 0 4 h L O 2 h 4 Z,
y
Q
CO)
C, N tl ;
i ? ?3
i..
?u
t . N
r ? Diu
y
?
F
1
1Q ? \ v
Q '/ v7L
i
C V 3 1 t a}
JhN??
Y
tip
1
L'ASL
?tslz
SHERIFF'S RETURN - REGULAR
CASE NO: 1999-06517 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
AAMES FUNDING CORP
VS.
PICKEN RICHARD L
DAWN 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 PICKEN RICHARD L the
defendant, at 11:06 HOURS, on the 2nd day of November ,
1999 at 257 ROXBURY ROAD
NEWVILLE, PA 17241 CUMBERLAND
,
County, Pennsylvania, by handing to RICHARD L. PICKEN
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: answe :e?
Docketing 18.00 ?
Affidavit 9.00
Surcharge 8.00 K. Inomas K!
,
$35.30 GO DB CK FMCCAFFERTY, MCKEEVER
11 03 19J9
by
l 4-GJ-T'1 _ _
LJt!JJULY
S
Sworn and subscribed to before me
this /3 ?= day of 4U46-41
19Qf A. D.
GOLDBECK McCAFFERTY & McKEEVER
A Professional Corporation
By: Kristina G. Murtha, Esquire
Attorney I.D. # 61858
Suite 500 - The Bourse Bldg.
111 S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
Attorney for Plaintiff
AAMES FUNDING CORP. IN THE COURT OF COMMON PLEAS
P.O. Box 76930
Los Angeles, CA 90076 s OF CUMBERLAND COUNTY
VS.
RICHARD L. PICKEN (Mortga gor
and Record Owner) No. 99-6517
257 Roxbury Road
Newville, PA 17241
ORDER
AND NOW, this day of 1999, upon
consideration of Plaintiff 's Motion for Summary Judgment, it is
ORDERED:
That Summary Judgment is hereby granted in favor of Plaintiff
for the dollar amount due as of the filing of the Complaint ($
96780.61) plus interest at the rate set forth in the note, fees and
costs and other charges in accordance with the terms of the
mortgage and note and the demand of the Complaint.
BY THE COURT:
J.
GOLDBECK McCAFFERTY & McKEEVER
A Professional Corporation
By: Kristina G. Murtha, Esquire
Attorney I.D. H 61858
Suite 500 - The Bourse Bldg.
111 S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
Attorney for Plaintiff
AAMES FUNDING CORP.
P.O. Box 76930
Los Angeles, CA 90076
vs.
RICHARD L. PICKEN
and Record Owner)
257 Roxbury Road
Newville, PA 17241
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY
No. 99-6517
PLAINTIFF'S
NOTION FOR SUMHARY JUDGMENT
AND NOW, this Plaintiff moves this Court for Summary Judgment
in accordance with Pennsylvania Rule of Civil Procedure No. 1035.1
et seq. for the following reasons:
1. There is no genuine issue of fact or law upon which the
Defendant would be entitled to relief.
WHEREFORE, Plaintiff moves for Summary Judgment in its favor.
Respectful ly/?uWitted,
(Mortgagor
GOLDBECK MCCAFFERTY & MCKEEVER
A Professional Corporation
By: Kristina G. Murtha, Esquire
Attorney I.D. N 61858
Suite 500 - The Bourse Bldg.
111 S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
Attorney for Plaintiff
AAMES FUNDING CORP. IN THE COURT OF COMMON PLEAS
P.O. Box 76930
Los Angeles, CA 90076 OF CUMBERLAND COUNTY
vs.
RICHARD L. PICKEN (Mortgagor and:
Record Owner) NO. 99-6517
257 Roxbury Road
Newville, PA 17241
AFFIDAVIT IN SUPPORT OF PLAINTIFF'S
MOTION FOR SUMMARY JUDGMENT
LJ,gAJ/CE FW4081-14 , being duly sworn according
to law, deposes and says:
1. I am the T9'MVL - OFF/GE for and
representative of Plaintiff. I am authorized to make and do make
this affidavit on behalf of Plaintiff; and that the facts set forth
in the foregoing Motion for Summary Judgment are true and correct
to the best of my knowledge, information and belief.
2. I have personal knowledge of the matters referred to in
Plaintiff's Motion and as set forth below, I make this affidavit in
support of Plaintiff's Motion for Summary Judgment, that the facts
set forth below are admissible in evidence and I am competent to
testify to the matters stated herein.
3. The Defendant, RICHARD L. PICKEN, made, executed and
delivered a Mortgage upon the premises, 257 Roxbury Road, Newville,
PA 17241, on June 15, 1998 to AAMES FUNDING CORP..
4. The Mortgage has not been assigned.
5. The Mortgage is in default because monthly payments of
principal and interest due May 1, 1999 and each month thereafter
are due and unpaid. At no time from May 1, 1999 to the present has
the Defendant tendered the amount of payments required to bring the
Mortgage current and I have at all times been willing to accept
same.
6. A Notice of Homeowners' Emergency Mortgage Assistance Act
of 1983 has been sent to the Defendant by regular mail in
accordance with Act 91 of 1983 of the Commonwealth of Pennsylvania
on the date set forth in the true and correct copy of the Notice
attached to the Complaint. The Defendant has not had the required
face to face meeting within the required time and Plaintiff has no
knowledge of any such meeting being requested by the Defendant
through the Plaintiff, the Pennsylvania Housing Finance Agency, or
any appropriate Consumer Credit Counseling Agency.
7. The amounts due and owing on the mortgage in question as
of the filing of the Complaint are as follows:
Principal Balance $ 85,557.13
Interest from 4/ 1199 684q.a5-
through 10/31/99 at 11.750% a70" :-ft
Per diem interest rate at $27.54
Attorney's Fee at 5%
of Principal Balance 4,277.86
Late Charges 5/ 1/99-10/31/99 8&&-dO
Monthly late charge amount at $86.60
Costs of suit and Title Search 560.00
$ 9E?79A-63'
'
Escrow Balance
Monthly Escrow amount $
3
i
-D=
I hereby verify that any exhibits attached hereto are true and
correct copies of the originals and I declare all of the foregoing
to be true and correct.
SWORN TO AND SUBSCRIBED:
before me this f4W day:
of DC«r+3?1Z 1999:
Notary Public
M w
A A ? w A I? AILr
to aDJA EO=ILLAA
LLL
Cemmla.cn0121aAD
b c Cc' fcn a
P
!
u
m/
Ko
Lcs Ar Co n!y
GOLDBECK MCCAFFERTY & MCKEEVER
JOSEPH A. GOLDBECK, JR.
Attorney I.D.#16132
Suite 500-The Bourse Building
111 S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
BY: KRISTINA G. MURTHA, ESQUIRE
Attorney I.D. #61858
Attorney for Plaintiff
AAMES FUNDING CORP.
P.O. Box 76930
Los Angeles, CA 90076
Vs.
RICHARD L. PICKEN
(Mortgagor and Real Owner)
257 Roxbury Road
Newville, PA 17241
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY
No. 99-6517
PLAINT IPP'S MEMORANDUM OF LAW
IN SUPPORT OF
MOTION FOR SUMMARY JiJDGIffiiT
I. PROCBDIIRAL HISTORY
This is an Action of Mortgage Foreclosure brought against the
Defendant who is the Mortgagor and Real Owner of the real property
located at 257 Roxbury Road, Newville, PA 17241 ("Property").
Plaintiff filed a Complaint and Defendant filed an Answer.
Plaintiff has now moved for Summary Judgment and this memorandum is
offered in support of Plaintiff's Motion.
II. LEGAL ARGUMENT
Pennsylvania Rule of Civil Procedure Number 1035.2, effective July
1, 1996, provides that "After the relevant pleadings are closed, but
within such time as not to unreasonably delay trial, any party may move
for summary judgment...." Summary judgment is appropriate to be
entered:
11(1) whenever there is no genuine issue of any material fact
as to a necessary element of the cause of action or defense..."
Pa.R.C.P. 1035.2(1), revised effective July 1, 1996. Pa.R.C.P. 1141
notes that the foregoing assumpsit rule shall apply to Actions of
Mortgage Foreclosure.
Recent rule revisions regarding Summary Judgment now require the
party who opposes the motion to provide the court, in response to the
motion, with "...evidence of facts essential to the . . . defense
which, in a jury trial, would require the issues to be submitted to a
jury." Pa.R.C.P. 1035.2(2).
Rule 1035.3 states:
(a) The adverse party may not rest upon the mere allegations or
denials of the pleadings but must file a response within thirty
days after service of the motion identifying
(1) one or more issues of fact arising from evidence in the
record controverting the evidence cited in support of the motion
or from a challenge to the credibility of one or more witnesses
testifying in support of the motion,
Plaintiff has included an affidavit in support of its Motion
for Summary Judgment, pursuant to Pa. R. C. P. 1035.4. The Affidavit
sets forth the basis of Defendant's default and the amount due.
Accordingly, the only issue before the Court is whether Defendant's
Answer raises any legal or factual issue which provides a basis for
denying Plaintiff its request for summary judgment.
In paragraph 1 and 3 of the Answer, Defendant denies for lack of
knowledge the name and address of Plaintiff, the execution and non-
assignment of the mortgage and the mortgage recording information. The
name and address of Plaintiff, execution and non-assignment of the
mortgage, the recording information and the legal description of the
Property are matters of public record and may not be denied for lack of
knowledge. See Goodrich va Amram 2d Section 1029(c): at n .p. 279-
B?Q.. Accordingly, said lack of knowledge denials constitute admissions.
Moreover, there is absolutely no requirement that a mortgage document
be attached to the Complaint. 52g, Pa.R.C.P. 1019(g).
Plaintiff incorporates by reference the recording information for
the mortgage and all assignments. The Pennsylvania rules require
nothing more. Pa.R.C.P. 1019(g) provides:
A party may incorporate by reference any matter of
record in any State or Federal court of record
whose records are within the county in which the
action is pending, or any matter which is recorded
or transcribed verbatim in the office of the
prothonotary, clerk of any court of record,
recorder of deeds or register of wills of such
county.
Paragraphs 5 and 6 of the Complaint contain the specific averments
of default and amounts due and owing upon the mortgage required to be
averred in actions of mortgage foreclosure as set forth in Pa.R.C.P.
No. 1147(4) and (5). Defendant answers the specific averments
regarding default that "The mortgage speaks for itself."
Plaintiff respectfully suggests this is an insufficient and
incomplete response to Plaintiff's specific averment of default.
Moreover, the failure to respond to Plaintiff's allegations of default
constitutes an admission of default, pursuant to Pa.R.C.P. 1029(c).
As for Plaintiff's allegations regarding the amount due, Defendant
generally disputes the amount owed. However, Pa.R.C.P. 1029(c)
requires Defendant to dispute Plaintiff's allegations with some
specificity. Defendant has not done so. Defendant simply states he is
without sufficient information to admit or deny Plaintiff's allegations
regarding the amount due. However, it should be very easy for j
Defendant to specifically prove that the mortgage account is current.
He simply has to attach to his response to this motion copies of
cancelled checks for the period from May 1, 1999 to the present.
Moreover, Defendant fails to specifically respond as to his failure to
tender monthly payments or the total amount due and owning.
Defendant cannot simply invoke Pa. R.C.P. 1029(c) when the
Defendant, as well as the Plaintiff, has knowledge, or should have
independent knowledge of the mortgage account. Further, as case law
assumes that Defendant has knowledge of his own mortgage account,
Defendant is deemed to have admitted these specific allegations of
• default by failing to deny the allegations with specificity. See First
Wisconsin Trust Company vs. S-ra+ss-r and Perlberger, 439 Pa. Superior
Ct. 192, 199-200, 653 A. 2d 688 (1995) ; New York Guardian Mortgagee
Corporation vs. Dietzel. 362 Pa. Super 426, 524 A.2d 951 (Pa. Super
1987) Cercone vs. Cercone. 254 Pa. Super. 381, 386 A.2d 1 (1978); Pa.
R. C. P. No. 1029. The lack of specific, detailed response to
Plaintiff's specific averments of defaults constitutes an admission of
the default and amounts due and owing upon the mortgage. See. New York
Guardian Mortgagee Corporation vs. Dietzel. 362 Pa. Super 426, 524 A.2d
951 (Pa. Super 1987).
While Defendant's default is a legal conclusion, the Court should
conclude, based upon the admissions of the Defendant and the verified
facts of Plaintiff in its affidavit in support of its Motion that
Plaintiff is entitled to summary judgment.
Defendant, contrary to his unsupported allegation in paragraph 5
of their response, have never offered the total amount necessary to
reinstate the mortgage. Plaintiff would gladly accept full
reinstatement under the mortgage as it is likely to suffer a loss if
this litigation continues.
Defendant's general denials that the damages are incorrectly
calculated is not a basis to deny Plaintiff judgment as a matter of
law. Default in an action of mortgage foreclosure is an absolute.
Once default under the terms of the mortgage has been established, the
court must enter judgment in favor of the holder of the mortgage. The
question of accounting is saved for another day, specifically, after a
Sheriff's Sale of the Property. The Supreme Court of Pennsylvania held
in Landau vs. Western Pennsylvania National Bank, 445 Pa. 217, 282
A.2d. 335 (1971):
The mortgagors are unquestionably entitled to an
accounting, but that accounting is not due until
the property is sold at Sheriff's Sale and
distribution of the proceeds is made. Judgment in
mortgage foreclosure action must be entered for a
sum certain or no execution could ever issue on
it. 445 Pa. at 226, 282 A.d. at 335.
This Supreme Court decision directs a court to enter summary
judgment in favor of the plaintiff/mortgagee where the
defendant/mortgagor admits the default upon the mortgage. Landau vs.
W. Pa. Nat. Bank. 455, Pa. 217, 255-266, 282 A. 2d 335, 340 (1971).
Moreover, Pennsylvania Courts have long and repeatedly upheld the
reasonableness and enforceability of a request in an action of mortgage
foreclosure for attorney's fees equal to 5t of the principal balance of
the mortgage as demanded in Plaintiff's Complaint at paragraphs 6 and
7. Robinson vs. Loomis. 51 Pa. 78 (1865); sal iaan vs. Heath. 260 Pa.
0
457 (1919); Foulke ve Hatfield Fair Grounds Bazaar. Inc.. 196 Pa.
Super Ct, 155 (1961); First Fed ral R Assn vs Street Road Shopping
Center, 68 D & C 2d 751, 75 (Bucks County) (1974).
Additionally, as further explained in Paragraph 7 of Plaintiff's
Complaint, the attorney's fees demanded in Paragraph 6 of Plaintiff's
Complaint would only be collected in the event of a third party
purchaser at Sheriff's Sale. The Defendant continues to have the
option of paying all arrears and costs up to one hour before the
Sheriff's Sale in conformity with the provisions of Act 6 in which case
attorney's fees will be assessed based on work actually performed.
See. Pennsylvania Act 6 of 1974, 41 P.S. Section 401 eh. sea.
Plaintiff is entitled to be reimbursed for its reasonable and
actual attorney's fees incurred. It is respectfully suggested that
should this Honorable Court find that the flat rate of 5% requested
raises a genuine issue of fact, summary judgment be granted Plaintiff
as to all issues except attorney's fees. Certainly, with default
admitted, it would be unfair and a waste of this Court's valuable
resources to conduct a trial in this matter if the only issue of
genuine fact is the demand for attorneys fees.
Defendant invokes Pa.R.C.P. 1029 to generally deny paragraph 8 of
the Complaint as to Plaintiff's compliance with Act 6 and Act 91. This
denial is insufficient as a matter of law. Defendant moves on to deny
paragraph 8 of the Complaint by stating the required Act 91 notices
were not received. This denial is insufficient, as Plaintiff did not
aver that Defendant received the Act 91 notice. Plaintiff complied
with Act 160, averred that fact in its Complaint, verified that fact
under penalty of perjury on two occasions and attached copies of the
Act 160 Notice to its Complaint. The required Act 91 Notice was sent
by Plaintiff on July 13, 1999 ($,=, Exhibit A of Complaint). Any
implication that Plaintiff did not follow tha procedures set forth in
the Act is totally without merit.
All material averments of the within motion are verified in the
attached signed and sworn affidavit pursuant to Pa.R.C.P. No. 1035.
Defendant cannot simply rely upon the averments of the Answer to raise
an issue of fact. Phaff VA. Cardner. 451 Pa. 146, 303 A2d 352 (1973).
Accordingly, Defendants answer admits all material facts, there are no
issues of material fact and the Court should grant Plaintiff's Motion
for Summary Judgment.
tfull submitted,
CKi AFFERTY & MCKEEVER
BY:
KRISTINA16.1MUTINA, ESQUIRE
ip`,
GOLDBECK MCCAFFERTY & MCKEEVER
JOSEPH A. GOLDBECK, JR.
Attorney I.D.#16132
Suite 500-The Bourse Building
111 S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
BY: KRISTINA G. MURTHA, ESQUIRE
Attorney I.D. #61858
Attorney for Plaintiff
AAMBS FUNDING CORP.
P.O. Box 76930
Los Angeles, CA 90076
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY
No. 99-6517
Vs.
RICHARD L. PICKSN
(Mortgagor and Real Owner)
257 Roxbury Road
Newville, PA 17241
A Complaint in Mortgage Foreclosure
B Answer to Complaint
C Mortgage
D Note
GOLDBECK MCCAFFERTY & MCKEEVER
BY: Joseph A. Goldbeck, Jr.
Attorney I.D.#16132
Suite 500 - The Bourse Bldg.
111 S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
Attorney for Plaintiff
AAMES FUNDING CORP.
P.O. Box 76930
Los Angeles, CA 90076
Plaintiff
VS.
IFPr n,, r•,FRTIFY THAT THIS
•.1;1 4RRECT COPY
"'At FILED
Al"I' T NIA; EY
Cud''
CO to
IN THE COURT OF C0MMR,PVBAS.-4
OF CUMBERLAND CdUNtY N
• 1 i "J )
CIVIL ACTION - U'l z
:ACTION OF MORTGAGE F04L-Ldp bJ '-i-
RICHARD L. PICKEN ca
(Mortgagor(s) and Real Owner(s)) Term
No.
257 Roxbury Road Qp- 1"S-`
Defendant(s) U e?Lt•Lt-7""?
Newville, PA 17291 CIVIL ACTT N: MORTGAGE .
FORECLOSURE
THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING
TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION
OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF
COLLECTING THE DEBT.
NOT I
You have been sued In court. It you with to a en age net the claims met forth In the owing pages,
you must take action within days alter the Complaint and notice are served, by entering written
arance all or b attorney or you. and filing in writing with the court your defenses or objections to
ha
you to the
cIalo got set forth th eu. You are warned that It you fail to do do so the eesa any proceed without and s
o yo In the
judgment may be entered yored against you by the Cnurt by without further notice for any money claimed In the Complaint
or for any other claim or relief requested by the Plaintiff. You my lose agney or property or ocher rights
other rights
Important to you.
YOU SHOULD TAM THIS PAPER 70 YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE,
00 TO OR TELEPHONE THE OFFICE SET FORTH BERM TO PING OUT WHERE YOU CAN GET LEGAL HELP.
Cumberland County Bar Association
7 Liberty Avenue, Carlisle, PA
1800) 990-9301
Legal Services Inc.
e Irvine Row, Carlisle, PA 17011
(717) 767.9600
LE HAN DENANOADO A USTED 0 !A OORTB. SV I ES O DBPENDERSE COMM LA8
QUSJAB P8RY8BMADAB, 0.
PARA R
ADSOLUTAMENTS NE R10 OUR U67'eD RRS DR 20 DIAB DESPUSS DR 6ER SERVIDD CON BETA DPWMA
"Wro Y AVIBO.
PAM SF@C ERURLBS S NE NEC R0 WE LISTED. , 0 O C 6U ABOGA ABOOADO, REOIBTRE CON N LA IA CORTB EN FORM 6SCR37A, BL PUH1O DI VISTA
06 UBTLD Y CURIDS3 Of 0BJECI 61ECCION COMM LAS WFOM EN 9 DEMANILt.
RECUBROEI BI USTED NO REPONDS A 2ST1 DF. 8NDANTE CON PRGCBEO BIN SU PAR7ICI.
ENTONCES, I PU6D6. SIR N O, DECIDIR DIR A FAVOR DEL DBL D O MASSIBLE D Y REOUrRIRA OUR UBTRD CUMPU CON 700 TOOAB
LAS PROVISIONER ROVI OVIetO NER 68 DR ESTA DEMAH011. POR FOR RAZOR DE BSA DECISION, ES POSSIBLE 011E USTED STCO PUR PUEDA PBADBR DINERO, PROPl CORD
U 0IR08 OBRBC7108 I MPOOR FORTAITIEB.
LLEV1 ESTA DEMANOA A UN ABOOADO IMMEDIATAKENTE.
RI NO CONOCS A UN ABODADO, LLANS AL 'LAWYER REFERENCE SERVICR• (SERVICIO DR REFERENCIA DR A800008),
719.718.6100.
Cumberland County Bar Association
7 Liberty Avenue, Carlisle, PA
Ie00) 990.9108
Legal Services Inc.
1 Irvine Row, Carlisle. FA 17017 EXHIBIT A
(717) 713•9600
COMPLAINT IN MORTGAGE FORECLOSURE
1. Plaintiff is AAMES FUNDING CORP., P.O. Box 76930, Los
Angeles, CA 90076.
2. The name(s) and address(es) of the Defendant(s) is/are
RICHARD L. PICKEN, 257 Roxbury Road, Newville, PA 17241, who is/are
the mortgagor(s) and real owner(s) of the mortgaged property
hereinafter described.
3. On June 15, 1998, mortgagor(s) made, executed and
delivered a mortgage upon the premises hereinafter described to
AAMES FUNDING CORP., which mortgage is recorded in the Office of
the Recorder of Deeds of Cumberland County in Mortgage Book 1463,
Page 7. The mortgage has not been assigned. These documents are
matters of public record and are incorporated herein by reference
in accordance with Pennsylvania Rule of Civil Procedure 1019(g).
4. The premises subject to said mortgage is described as
attached.
5. The mortgage is in default because monthly payments of
principal and interest upon said mortgage due May 1, 1999, and
each month thereafter are due and unpaid, and by the terms of said
mortgage, upon default in such payments for a period of one month,
the entire principal balance and all interest due thereon are
collectible forthwith.
The following amounts are due on the mortgage:
Principal Balance $ 85,557.13
Interest from 4/ 1/99
through 10/31/99 at 11.750% 5,866.02
Per diem interest rate at $27.54
Attorney's Fee at 5%
of Principal Balance 4,277.86
Late Charges 5/ 1/99-10/31/99 519.60
Monthly late charge amount at $86.60
Costs of suit and Title Search 560.00
$ 96,780.61
Escrow Balance
Monthly Escrow amount $
96,780.61
7. The Attorney's Fees set forth above are in conformity
with the Mortgage documents and Pennsylvania law, and, will be
collected in the event of a third party purchaser at Sheriff's
Sale. If the Mortgage is reinstated prior to the Sale reasonable
Attorney's Fees will be charged based on work actually performed.
8. Notice of Intention to Foreclose and a Notice of
Homeowners' Emergency Mortgage Assistance has been sent to
Defendant (s) by Certified and regular mail, as required by Act 160
of 1998 of the Commonwealth of Pennsylvania, on the date(s) set
forth in the true and correct copy of such notice(s) attached
hereto as Exhibit "A". The Defendant(s) has/have not had the
required face to face meeting within the required time and
Plaintiff has no knowledge of any such meeting being requested by
the Defendant(s) through the Plaintiff, the Pennsylvania Housing
Finance Agency, or any appropriate Consumer Credit Counseling
Agency.
WHEREFORE, Plaintiff demands judgment in mortgage foreclosure
the sum of $96,780.61, together with interest at the rate of
$27.54, per day and other expenses incurred by the Plaintiff which
are properly chargeable in accordance with the terms of the
mortgage, and for the foreclosure and sale of the mortgaged
premises.
By:
""BECK (c? , McKEEVER
BY: Josep) A. G 1 k, Jr., Esq.
Attorney for Plaints f
.,
NOY 16 '98 e2=07PM GOLDBECK MCCAFFERTY C215)62-7-M4 P.2/2
r' S as the representative of the
Plaintiff corporation within named do hereby verify that I am
authorized to and do make this verificaticn on behalf of the
Plaintiff corporation and the facts set forth in the foregoing
Complaint are true and correct to the best of my knowledge,
information and belief. I understand that false statements therein
are made subject to the penalties of 18 Pa. C.S. 4904 relating to
unsworn falsification to authorities.
Date i 3535
Y~q
11141sT NU. I:
A I.I. THAT CERTAIN uses of Iend eiruJe in Lower Minh;n Township,
Cumhedwd Cnunly, l'mnsylverie, u Down on • survey, for them S. Fisher, pnpuwt by
Thbmaf Alvin Neff, Registered Swvcyoc, is, an * and described as folio". b wit:
EEOINNINO in the nerd' of Leg{el.dve Roue 21001 u the T.uthweed canard'
1
rom th111 n t ee lndc esm se a nb is ail re premldea; eTtIOI d NCR loevlog d std enJ era wen an into pin 20 feat
F of s , NM degree 40 stWimutee Was, 200.ain 00 g feel b an into pin;
THENCD North 42 degrees 20 mioelae East, 200.00 (eel to an Iran pin; THENCE South K
degrees 40 minuses Lima. 200 fees b c Spike, having pasty) over an Iran pin 20 (al from Ru
center of eei.l remit THENCE in and along the center of Laid Leg(aiadve Rout, 21001. South 47
degreu 211 m1aute Weal, 20000 MI to The palm of BEGINN[NO.
'IrRAIT NO. 2:
e
and County. Pennsylvania, bolrnJd end"011'11W urr Last asst Township.
et w n
CumberlNaff. Registered Surveyor. data( August 22, 1973, end u^TY by mThe" A.
e(yXaval by IN Planning Ca,nmbaio of
C umbarltnJ County in 1973, u follow,.
HRGINN(NG at , spike In the caner of p mglveda 1110my Roust: Flo. N9
(utb known ax L.R. 210(11) at eumwr nfodno lend new or loss of Cam 3. pbrca,, 0. mater,
I H ENC13 by Iho testa of aW Rod, South 47 deptat 20 minutes wag, 20 Res to 6 spite.
TIItNCR by land now or life o(Willlem G. and Ale S. p1s0ar, North 46 detnq 40 minutest
Was. 210.62 fed to an Iron pin; THENCE by the same. Nath 76 dcgrsct 20 cultures; Intent,
313.64 feet in an Iran pin; THENCE by the Seems, North 17 tepees 20 embattle Prat, 210) foes
to an Iran pin; TIFRNCE by the tame South 46 dapees 40 ndrtteat East. 600.00 (ma to a spike In
the ucnna of the public road afblpald; THENCLI by the turner of uld end, Senors, 43 dcpca 20
minn,n Was. 130 feel to a spike; THIINCE by uid oliur had new or two of Want S, ervl
Plonmca C. Fisher, Meth 46 degrees 40 minutes Wei 200.00 fact to sit Iron pin; THENCL' by
ilia snn4. Louth 4) degrees 20 minutest Wou, 2110.00 for 10;4 Iran ping THLINCL by tin esme,
Snuth 40 negrar 40 minute Get, 300.00 1kct In tie Plus o1111OINNINO.
RXCRPTING TIItREFROM AL THAT CUTAIN plate in parcel of fluid
lying, alnae send behng in the Township of I.ewer MiffUn. Canny ofCumberlend, hsurded and
ducnbul as fnllaws, to wit
Renew A1,418 ealffCaw of PA' 997 South y4ma ( a Ihitty-essic (71) n I mKahan nail;
eL thirty
nine (311) seenroU Wed tone handrail night and thimy.n{pe luabndthe (101.39) feet to a nilrAd
..pike; ,hcmc along uses 12 now of formerly of Rk)rrd Piekea, of which Via lot was fnrmaly a
pan. North farty.aia (46) degrees ddf(y.uine (79) minutes thiny-am ()I) tannJa WeN Ilan,
hundnvl uaa std tevcntyeitht hundeWlhs (301.71) fed,lo ati inns pitta thence continuing elalg
Trec182 North ?atydhrp (t7) decrees thirtyone (l I) Wawa day.nine ()9) seconds P.ad on,
hlun)ral tlgAl and thinyninc hadrcJUte (101.79) (oat b w iron Pin: Nana along lade ,ww „r
in K.1 Eastois" lrcd hn hum.
arethJMrenl(46) dew ?mynine(79) minutes thinyom(71)
beginning. Y a[W hunlralthe (701.78) fed to the plan of
nNINU Part
his wife. by Ind Nun Mud rMatch 29. ibs tr 1990 and which )ouph D. Filar and May K, Fiats.
Cumberland un Menth 30.199n;" Ued Rank )4M PI retarded Carlisle and canoe of
Richard I. Pickers ad Venture L Ncken, hit wife, to fast
A I -SO DRING the sane pnmisss *Web Elaunr R. Pickets, toy Qvlt.nahn I)ood
dated (kbbcr 17, 17J6 and recorded in Donk 149, Page 339 quit claimed unm Richard L
Ratan.
•Iq?
wr +
Manus
EXHIBIT A
July 13, 1999
• ']"h,* h7; i
.1
ACT 91 NOTICE
i
`:uFu V
TAKE ACTION TO +SAVVE , +O
i
HOME FROM FORECLOSURE
F
This Notice contains important legal information. If you have an
y any questions, relnesentatives at the
Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an
attorney in your area. The local bar association may be able to help you Fnd a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECCA SU DERECHO A
CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA
NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA
AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO
MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA
LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL
PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA.
Richard L. Picken
257 Roxbury Road
Newville, PA 17241
LOAN ACCT. NO.: 4477049
ORIGINAL LENDER: Aames Home Loan
CURRENT LENDER/SERVICER: Aames Home Loan
Ames Home Loan 3550 S. Grand Avonue
47th Floor
Los Angeles, CA 90071
Mailing Addless: PO Box 76930, Los Angeles, CA 90076
,y,. ?Iryuv?ncynlmnOmVRI +AVCASSISIAIV(:LIYKU(iRAM
t+G,} ?. P may be able to help to•sa# =1-7a
Page 2 of s
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
1,. • p_,.
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
•ASSISTACE ACT OF 1983 (THE "ACT's, YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
.,.... ASSISTANCE: ,
• IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOUND YOUR CONTROL;" • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE
PAYMENTS, AND
ii .
.,. .. ,,r fie' .•+...;
??e.,.IF,rp3fOU.1•:MEBT,tt,O?fiERx?v$),I(3IBILITY EQU[REMENTS*ESft?A$vISHHDRfiBY+I?(Pf?!!
PENNSYLVANIA HOUSING FINANCE AGENCY. ka.
TEMPORARY STAY OF FORECLOSURE- Under the Act, you arc entitled to 'a temporary stayJofoottwm
foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you mlul'4
arrange and attend a face-to-face meeting with one of the consumer credit counseling agendifs listed'al'the
end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NFXT (30) DAYS IF YOU DO,,.';,:`,
NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR'.1
_,.., •:
CONSUMER CREDIT COUNSELING AGENCIES-If you meet with one of the consumer credit,,:;.
counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty
(30) days offer the date of this meeting. The names, addresses and telephone numbers of design
atedt''
consumer credit counseling agencies for the county in which the nroncrty is located are set forth at the end of
this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of
your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE-Your mortgage is in default for the reasons set
forth later in this Notice (see page 3 for specific information about the nature of your default.) If you have
tried and are unable to resolve this problem with the lender, you have the right to apply for financial
assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out,
sign and file a completed Homeowner's Emergency Assistance Program Application with one of the
designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit
counseling agencies have applications for the program and they will assist you in submitting a complete
application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked
within thirty (30) days of your face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO
NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE
MAY PROCEED AGAINST YOUR HOME INIMEDIATELY AND YOUR APPLICATION FOR
MORTGAGE ASSISTANCE WILL BE DENIED.
Page 3 of -'
... .?r?r,+r•fn.nn. :-rYn+•p.....r ..?.?.. ?.. .+r.4.. raH 11•"•rt.r .. .. v .. u;
AGENCY ACTION---Available funds for emergency mortgage assistance arc very limited. They will be
disbursed by the Agency under the eligibility ` criteria established by the Act. The Pennsylvania Housing
Finance Agency has sixty (60) days to make a'de6I' 8-i'hikr.it i"' ives"yMO(ilfd'aiiori : Duiidl that time, no r t
foreclosure proceeding will be pursued against you if you have met the time requirements set forth above.
You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your
application. `. N• ?•.+ .}!d1W .r.,y n•...,.. v?p ..t4,?-... .., t.ti.;.q y?. •hh. s:
NOTE: IF YOU ARE CURRENiF o)I PROTEOTED BY-ME FHsINO OF A`PET TON IN •YwA o: .. jws
BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES
ONLY AND SHOULD NOT BE COD81DERED'AS'AN'ATTEIrIP'f TO'COLLEOT+THE•DEBT.' w ?v+:x r . r
(If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.)
"located at: 257 Roxbyry Roail,`Ne vrl( PA'Tr2?l +'r?,ra +?R+rtr. s,?rA,.•, y?i ,? r w"
IS SERIOUSLY ININ+DEFAULI becA tea;+?rr?+ r`4iYhctz cyt*L?4Ffs$N : ,r?'drklla`r ti .,
A. YOU HAVE NOT MADE THWONTHLY MORTGAGE PAYMENTS !or the Collowwing moan
the following amounts are now past due: r: it> +to `
Description i Amountilue is .a r?. ftyi$ Y
Monthly Payments of $866,07 per month are
due from 05101199 to 07/01/99. 52,598.21
Late charges of $86.60 per month arc due
from 05101199 to 06101/99. $173.20
Uncollected late charges $346.40
TOTAL AMOUNT PAST DUE: $3,117.81
Page 4 of
HOW TO CURE THE DEFAULT---You may cure the default within THIRTY (30) DAYS of the date of
this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS
53,117.81, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME Dtt"
DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash cashier's check
certified check or money order made payable and sent to' -
AAMES HOME LOAN
350 South Grand Avenue, 43 d Floor '
Los Angeles, CA 90071.
IF YOU DO NOT CURE THE DEFAULT---If you do not cure the default within THIRTY (30) DAYS of
the date of this Notice, the lender intends to exercise Its rights to accelerate the mort age debt This
means that the entire outstanding balance of this debt will be considered due immediately and you may lose
the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not
?H.?iorrkcil?i7!!1'fi(30)1?!1Y$+rlt!4?lEtid£Si?1riG.ii4??ttdsbw.?ins?,ot;its (uttoniCys itq(staff=le?nli??`5A6.II?1t:f1
foreclose upon your mortgaged property.
s ?!
ti. . IF THE MORTGAGE IS FORECLOSED UPON-The mortgaged property will be sold by the Sheriff, 64?!k"W . 1
pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before:'
the lender begins legal proceedings against you, you will still be required to pay the reasonable nttomey's
fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will,
have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00,.. Anyv y yi }5.
attorneys fee will be added to the amount you owe the lender, which may also include other reasohable
per rc?" 7r'.
costs. If you care the default within the THIRTY f301 DAY period you will not be required
attorney's fees.
OTHER LENDER REMEDIES-The lender may also sue you personally for the unpaid principal balance
and all other sums due under the mortgag,;. • .. f
within the THIRTY (30) DAY period and foreclosure
have not cured the default
writing by the lender and by performing any other requirements under the mortgage, Curing your default in
the manner set forth in this notice will restore your mortgage to the same position as If you had never
defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE---It is estimated that the earliest date that such a
Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the
date of this Notice. A notice of the actual 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 or action will be by contacting the lender.
Page 5 of S
HOW TO CONTACT THE LENDER;
Aames Home Loan ;•r,,,
Camp Hill Branch
214 Senate Avenue Suite 11600
7.11"Camp Hill, PA 17011 ri ?;r?}pMav.
'Phone Number. (717) 731-1010
Fax Number: (717) 731-0909
Cdntaet Person: Robin Blazina
EFFECT OF SHERWF°S SALE---You should realize that a Sheriffs Sale will end your ownership of the _
mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale,
r: ,?yg lawsuit to remove you and your furnishings and other belongings could be started by the lender at ahytin*.T+-, 4WWO
wttt assume the mortgage debt, provided that sll the outstanding payments charges andRa?tgmey.,
} osts are paid prior to or at the sale an-d ihaf the o' &i requrr?'"e`nts of the mortgage"azo 'aidn't Y
AIH!tJ.t ... .. a ? . '. e'„ !.?%h t7?.t • ., ri. ,., n: t'+:,«, • :.ti.4!>RC.v- t ,;: Yr? r. ?1'M•'ivt't?trJ'GEN+1:ti
YOU MAY ALSO HAVE THE RIGHT:
TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBTi
• TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR B l
• TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT:
OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGifP-
CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.)
• TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR
ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS.
• TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY
THE LENDER
• TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY
(Please see attached page(s).)
Special Assets Department
Christine Luna
(800) 805-6515
Team B
hr ;+y?1;•. i
Es t,:
orf+x6w, t (
At" .1 , .
tt-., +S i ,
u ?•
yc:.f,•J.1.Y.
1.,. .•,.T ,, .. •a,r,vao'?z'Y' ,?,; a+.d'da,v.
+r
., ? ... ""rt'YlTt?F?-n.' •+?. '.tir.N.!''Jy'R'::H'r;r7.+h{?y.w
y ^5+'?t•r9 .7 f2l:^. L..wrr. -. =^.'1W ?.:?,$'§:fl ?:'+'?ih?ti.r .'.t.'%.. ..
i
r
1 Rl?i.
t7 IN." 1 w •rs r ?\?•
==."g1Q10 - " GSw
t
7'f•.b
,
t
J
'
\
? !OT
R
eY
\
ic
Se Jt
N
'
yg? ny y yy p ate. .+ y ..
i
w
t Y'»iM7?9
:
MitVd3MIAM3N 1
avow AHn9XOU LSZ ;.
N3NOId I aHVHOIU i
6VOLLb17000
,} Y(
ha4 hLO 2n2 z .
1
f ?
I.. •r ?Iw
f> .: r•t, ,,,r,11..??,.
Z 142 074 804
us roar saws.
0004477049
RICHARD L PICKEN
257 ROXBURY ROAD
NEYWILLE PA 17241
it_
C ?
kit: t •,?S S?ih y r : t ? ? ^? ti F ,c;?.l ,i r,?ys: !?'it+i : X , .
i ,' K.i4'7(. ..,;' ,,? 1 GS>T1' vnl\f•.T N•.•=C• 1 ^. [. -P +-T •!».J.y .• :" •.
?r •
:.n f 1>. t5 i.;; ;. ..:M/i l r"i;y.•j y i -,... ,•A'lY i .r v,.iMi[^1V>.h'Y.l4.. <• 'tw f
< .., r:?i .41t,t ., i1J. t' \:.'.?i'.W'?'Y4?r1:?.+"GCf?I.?J.'/M-:.... .a 5'..Cw:i.::•.;`??AlaVia 7}?.`,a r..?wL`??. i. si.5. i....'
.. .?tft lr??::pkRy..•jC ?. .. <. r).'. ."!? •L.IA l.,?
'4"'.4'?i72R???'?Q?a'.?•}- .'?''iy,•'d Yiltr?:f...'. ? 1..,' r r 1.
AAMES FUNDING CORP..
Plaintiff
V.
RICHARD L. PICKEN,
Defendant
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
NO. 99-6517
CIVIL ACTION - LAW
MORTGAGE FORECLOSURE
WZ0*IJIYA+IIli6y;V& sFj):1*-110)?._:_.Ii?Y.?f?yFY?Z?
AND NOW, comes Defendant, Richard L. Picken, by his attorneys,
Freeburn & Associates, and files the following Answer:
1. After reasonable investigation, Defendant is without knowledge
or information sufficient to form a belief as to the truth of the averment
contained in this paragraph, and strict proof thereof is demanded at the
time of trial.
2. Defendant admits that he is Richard L. Picken who resides at
257 Roxbury Road, Newville, Pennsylvania 17241. Defendant also admits
that he has a mortgage on his real property. Defendant incorporates herein
by reference thereto his answer to paragraph 1.
3. After reasonable investigation, Defendant is without knowledge
or information sufficient to form a belief as to the truth of the averment that
the mortgage has not be assigned.
4. Admitted.
5. The mortgage speaks for itself.
EXHIBIT B
6. After reasonable investigation, Defendant is without knowledge
or information sufficient to form a belief as to the truth of the averments
contained in this paragraph, and strict proof thereof is demanded at the
time of trial.
7. After reasonable investigation, Defendant is without knowledge
or information sufficient to form a belief as to the truth of the averments
contained in this paragraph, and strict proof thereof is demanded at the
time of trial.
8. After reasonable investigation, Defendant is without knowledge
or information sufficient to form a belief as to the truth of the averments
contained in this paragraph, and strict proof thereof is demanded at the
time of trial.
WHEREFORE, Defendant, Richard L. Picken, respectfully
requests that Plaintiffs Complaint be dismissed with prejudice and
judgment be entered against Plaintiff and in favor of Defendant, together
with costs of suit.
Respectfully submitted,
FREEBURN & ASSOCIATES
By:
Rich rd E. Freeburn, Esquire
I.D. No. 30965
4775 Linglestown Road, Suite 200
Harrisburg, PA 17112
(717) 671-1955
Dated: 11/24/99 Attorney for Defendant
2
I hereby verify that the statements in the foregoing reply
to new matter are true and correct. I understand that false
statements herein are made subject to the penalties of 18 Pa.C.S.
Section 4904, relating to unsworn falsification to authorities.
Dated: I tl f z 9/ ///"o A-??r
RRICHARb L. PICKEN
?K
I hereby certify that a true and correct copy of the foregoing
Answer to Plaintiffs Complaint, has been duly served on the following
this 24th day of November, 1999, by placing the same in the U.S.
First Class Mail, postage prepaid, at Harrisburg, Pennsylvania,
addressed as follows:
Joseph A. Goldbeck, Jr., Esquire
GOLDBECK MCCAFFERTY & McKEEVER
The Bourse building, Ste. 500
111 S. Independence Mall East
Philadelphia PA 19106
BY
Richard E. Freeburn, Esquire
Attorney I.D. #30965
FREEBURN & ASSOCIATES
4775 Linglestown Road, Suite 200
Harrisburg, PA 17112
(717) 671-1955
Dated: 11/24/99 Attorney for Plaintiff
lu?d4 IblWyul'w
_. -•^ . -wnumu. rLtAbt SEND TO:
r ATTN: COLLATE AL CO TROLIDEPT, I
AAMES 950 S. GRAND AVE47TH FLOOR,
L LOS ANGELES. CA-60071
Space Abdra 1142162. Fo, macw s,,g uala
MORTGAGE
Tills MORd?31• ego I Instrument') Is given on Fifteonth ilav of Juno 1999
The mortgagor is C A D PI N ale owner
This Security Instrumunt is given to Asmas Funding Coryloralian, which Is moanixad and xitli-g under t?Rower
CAhlurnid, and whose address is 950 S. GRAND AVE.. SUI fE 47, LOS ANGELES, CA 0071 laws of
1^t ondot). Burrower owes Lender the edndn.I .,,,.. l.r -"
°- --... •..,.,..e,.wu uy uunowers nom dated the bama date as this Sucurily Inal)umantl j'NOIe'), which
provides fur monthly payments, will) 1110 full debt. if not paid oilier, duo slid payable fin 07 Ot 7029
this Sucurily Instrumunt soeurus to Lundur• (a) the rnpaymant of the dubl evidenced by the
uto, wit Iral Of
u nand set lonh fberuin, and all renewals, extensions and modification of the Not hln
e; (b) the paymdnl Of dl ether
sums, with Interest at a rble whitdr may vary train time to time, advancud undur paragraph 9 to prutucl the becunly
bf tills Sucurily Inshumunl; and (c) Ilia padormaneo of BmrOWal'a COVenAntb and agreements under this Security
Idsliumunls and the Note. For this purpose, Borrower Joos hereby modgage, grant and convoy to Lender the
following duserfbed prupady located In CUMOEHIANOCOUNTY
Cunununwedllh of Pennsylvania:
II this gnu Is checked see Schedule A annexud hurato and made a part hereol.
which has the uJdtnss of 57 FIOXB"By ROAD NFVNII 1 E
Pennsylvania 17241 ('Property Address');
tat:.w
See Exhibit A
TOGETHER with all Ills Improvements now or hereafter erected fin Ilia propany, and all easemunts,
tights, appurtenances, runts, royallius, mineral, Oil and gas rights and profits, water rights and block And all
natures now of bunedher a Pitt of Ilia Prupvily. All mpldcumunts and additions shall also be covulud by this
Socially Instrument. All of the foregoing is Waited to in this Sucurily Inbhunianl as Ilia `Properly.'
BURROWER COVENANTS that Bunowui lb lawfully suisud OI the uxtdto butaby cunvuyed mild has Ilia
tight to niod0agu, grant and convuy Ilia Pfopuny, and that Ilia lifopady is ununcumberud, m,cepl fur
unw nibfances at recaid. Buuuwur warrants find will dulund gunuwlly Ilia bale to the I'ropotly againsl all claims
and Jum4nds, subject lu any uncumWanLOS of IUCard.
Uairower and Lender covenant and agroe as follows:
1. Payment of Principal, Interest and Others Charges. Subject to paragraph 10 Whim, Bummer shall
promptly pay when due Ilia pdncipal of wild intuiuM on the dull uvidenced Ly Ilia Note and any late ,hafuuu,
cullucb 011 costb and a<ponseb, and dishonored chuck Lhdigub as pwvldad fit Ilia 11ote.
2. Application of Payments. Unless applicablu law providus obhetwlba, Iendor will Apply each
Uuuuwuf's paymunls under Ilia Note first to dccmud And unpaid iututu.l undur Ilia Nola to the data of payn,unl
mid Ilia tunlaludur, it any, to Ilia updid pdncipal balance undur Ilia Nolo. Any late chargu, eollechun cobra and
O.purnus. Jishonutud Lhuck chargus and paymunls made by 1 urubn to unlmca Ilia Note and of to pmtucl
I mrduf'b Inluiusls under this Security hlSlmment will IM aJJuJ to the pnnLipal Ill Ilia uxlenl perlialted by law.
9. Prior Mortgages; Charger, Limits. BorfuWUr alidll pdy hit Idaeb aSSUSbfne111S, Chingos, litres dud
Impositions athibutaUa la the Property which may attain piwnty over this Security lushumenl, dud IaasuhuW
payimuills of uround runts, it ally. BO11OWU1 shall pdy these obligdllnna fin time difudly to Ibu parson uwlal
paymanl. Booow l shall promptly furnish to I. under all uuliws Of mnolarts IJ be paid tinder Ibis patagraph, and
rucuipls evidencing bath payments.
130I1OWUr shall promptly dibchatga any lien which has piloury over this Sucuuly Instrument unlebs
burflfwdu (a) auleub oil willing to thu payrnuot Of Ilia uWrudlion b0curud by Ilia fun In a Meaner dLLepldU0 In
I umfur, (b) cuotublb in good Idilh Ilia bun by, fir Jufunda againal urlurceniaul ill Ilia lien in, leusl
pmcun,fngx
W ldub in Ilia 1 endued opinion upmdtu lu parvwll Ibu unlomuruunt Of Ilia Irofl; or (L) bei.urus 1101111110 hold If Ilia
Irdgel EXHIBITIC
lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. II Lender determines
that any pan of the Property is subject to a Ilan which may atlain priority over this Security Instrument, Lender may
give Borrower a notice Identifying Ilia lien. Borrower shall satisfy the lien or lake one or more of Ilia actions set
futile above within 10 days of the giving of notice.
4. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hureahur
Madrid on thu Property insured against loss by fire, hazards Included within the farm 'extended coverage' and
any What, Including floods at flooding, lot which Lender requires Insurance. fills insurance shall be maintainad ill
Ilia ulnuunts and lot the periods that Lander ruquites. Thu Insurance carrier pruviding the Insurance shall be
climon by Borrower subluel to Lender's approval which shall not be unreasonably withhold. II BOIrUWdI tails he
IliUhdaln covieag0 duaLibad above. Lender may, at Lender option, obtain wvaraga to project LdelJel'A riglds in
Ilia Properly fit accohlance with paragraph g.
All Insurance pol6des and tonewals must be accuplable to LenJur and must include a standard modgmg0
clause In favor of and bl a form acceptable to Lender, Lander shall have file fight to halt! Ilia policies mild
ronuwalu. 11 Lunder inquires, Borrower shall plomplly give to Landdl ell receipts of pull) promimm Hill) runawal
1106Las. In Ilia event of loss, Burrower shall give prompt notice to Ilia Insuancu carder and Londur. Lender may
maka prowl of foss it seal nladu promptly by Borrower.
Unluss lender and Borrower otherwise agree In writing, Insurance proceuds shall be applied to
laslurallon or repair of Ilia Property danlHgad, it the restoration or repair is economically ledsiUa mild WidbYb
saucily to nut lessened. II the resluralion at repair is not ucononllc.lly ludo iblu or Lunder's security would tie
lassunod. Ilia insurance piocuods shall be applied to Ilia sums securud by this Sucuuty Instrument, whtdher or
riot Ilion due, with any excess paid to Borrower. If Burrower abandons Ilia Property, or does not answur within 30
Jaya a notice Irum Lunder that Ilia insurance earrWr has ollered to subtle a claim, Ilion Lander may collect the
insurance procuuds. Lunder relay usu the proceeds lo repair or tabloid the Property or to pay sums secured by
this Security Instrument, whether or riot Ilion due. The 30-day period will begin when Ihd notice is given.
Unluss Lender and Borrower otherwise ogres in wrung, any application of proceeds to principal shall not
uxtund or postpone Ilia Juo datu of rho monthly payments referred to lei paragraph 1 or change the amuunt at Ilia
payntunts. II under paragraph 17 Ihu Properly Is acquired by Lender, Borrowur's right to any Insurance policies
and proceeds resulting from damage to Ilia Properly prior to the acquisition shall pros to Lender to Ilia Axiom of
Ilia taans bucined by Ihis Security Instrument Imnmalalery prior to Ilia ucqulslllun.
5. Occupancy, Preservation, Malntienance and Protection of ties Property; Borrower's Loan
Application; LeswhoWs; Condominiums; Planned Unit Developments. Unless Borrower's loan application
and Londur's loon approval provided that the Propudy was not required to be occupied as Bunuwer's principal
insldunee, Burrower shall occupy, establish, and use Ilia Property as Borrower's principal residdnce within 60
Jaya after Ilia exuculiun at Ihib Security Instrument and shall continue to occupy Ihu Propady as Bonuww's
prindpal resklunce fur at joust and year after Ilia ddto of occupancy, unless Lender olhurwise agrous let willing,
which consent shall riot be unruasanably withhold, or unless extenuating etleumslaneml exist which sea beyond
Uorruwer's cuedrol. [follower shall nut destroy, damagu or impair Ihu Property, allow the Property to dbteadialu or
conunil waslo on the Property. Borrower shall bra in default if any WifU11U1a action or proceeding, whether civil or
criminal. Is begun that in Lundut's goad (milli judgment could result in forfeiture of the Properly or olhuhwise
nhdlwially impair the lion crdalud by this Sueuhily Inslrumant or LenJar's Lacurity Interest. Borrower may cure
LULhl a dufaull try causing Ilia action or proceeding to be dismissed with a ruling that, In Landau good faith
duluradnaliun. PIULhlJes fdduihau of Borrowers intarost in Ilea Properly of other malarial impairment ul Ilia Iron
Ladled by this Security Instrument at Lender's sucinity interest. Bonuwar shall also lea In default it Uotmwur,
dUrirrg Ile 10061 apiAlLorklie prULtlsel, gave maladall a faisu or Inaeeuralu Inlunnation or blatemenjs to tender (or
tailud to provide lendur with any material Information) In connadiuri with Ilia loan uvldenced by Ilia Nule,
mc.hrding, but nut linlitud to, rupinsunratluns concuudnu Bunower'a occupancy of ties Property As it prindpal
lUbidAllCe. 1111115 SALUnfy Insuunienl is an a leasahuld, Ilanuwar shall comply with all the provisions of Ilia laabu.
II BUIIDWat acyuhua Intl line Ira IhU Pmpurty, rho Wasuhol.l and Ihu lea title shall not uorgu unless l meter agruw
Ili Ibu 11101gut in willing.
If this Security Inbinu orit Is on a unit be a cmldumlmuni or a plannud unit Uuvulopnl0nl, bonowur shall
purlu,nl all of ounuwm's obhigalions undo, Ihu ducfarallun of CUVaOlerllb Leafing or uovaniing Ilia Lmmlondntuin
are plannud uuil duvulopmunt. Ilia by laws died rughdaliul,; of ILA mindanlink,m as plannud unit dovulopoluoj he'll
conslihrunl documents.
a. Protection of Lender's Rights In the Properly. It Borrower fails to perform Ilia cuvdnanls and
agroummrits ulnldlaud fn this Sucuille, lmdrummnl, or Illwu is A fugal pmcduding that may sjgnihcanlly dlucl
I umlul'b lights Ira Ilia Prupudy (such as a procaudinu in bankruptcy, pmbatu, Ira cundurune tlun ar lodadure of lu
Ldul,.u laws or lugnidtur,b), jhLil I under relay do sled pay lot WhaWVW Ia IIALAbbdry to PODIUM Ilia VAluu Of Ilia
Pwpudy ono 1 undui u riglds in Ilia Property, Luncl a,Jious may inMUdu paying any sums suculed by a awl
whiMl has priority over Ihhu SaLuuly hutrunlunl, paying insurancu phundumA, uppsadng In court, paying
eeauunabhu o1jrmsys' Inds area enlwing on Ihu Properly to make ropahs. Although Lunder may laku dLllun ucdur
Ids paragraph ti, tender Joub old leave to du so.
Any amourilb dleburavd by 1 under under paragraph 0 shalt becunia additional debt of Unnowar sucurud
fry Ibis Sueunly Ineliulnenl. lhiloss Uonower and Lucdln agree to ulhul Ieims al payment, Musa arrmunts shalt
I.u added to Ilia principal ul Ills NOW. bear inialubt hum Ihu dalu of diUrulaunldnl al file role than in dllucl uodur
Ihu lLdu huln hills to lisle slid shall be payable, wah oduro.6 upon h,diw cum LutiJur to Boriuwur tuquublinu
papl,uN.
7. ln?peellon. 1 under or its agent niay make tuasonabla unbleD upon and mspwclions of Ilia Properly.
I undui shall give Unnowur nMice rat Ilia 111110 of o, Pdw tU an InspuLli in apul.dying IWIlUndblo Ldwo far rho
i1q,urlilal
a. Cundumnalime, Ilia procuuds at any iwasd ur Llainl f„t daamgas, JcuLt at cunsu,p,unhal, ill
cmriu:Llluu wnh any cunddrrmaoun or (illroe taking it any pail of Ibu Pnglurly, of Ira convuyanru in Lute l4
, undomuoiull, ale, laundry avsjgnud and bl,all bra paid to Iundw ai„ I dpPhu,l lu Ilia amlnud WGUIUJ fry this
40, wily IuUlnuuuJ. any UXLUbb will be paid to file) Pulsuos Ibually br,hllud Ira it.
'
PHgu 2
11 the Property Is abandoned by Borrower, or If, after notice by Lender to Borrower that the condurnour
• offers fb make All award or settle a claim for damages, Borrower fails 10 respond to Lender within 00 days after Ilia
date Ilia notice Is given, Lender is authorized to collect and apply the proceeds, at its option, either to restoration
or repair of the Property or Io the Burns secured by tills Security Instrument, whether or not than due.
Unless Lender and Borrower otherwise agree In writing, any application of proceeds to principal shall not
exwml of poslpunu the Joe dale of It'd of Ihu mordhly payments '"Issued 10 in paragraphs 1 or change Ihu
amount 01 Such pdymenls.
9. Burrower Not Rehnsadl Forebearance by Lender Not a Wolvor. Extension of did time for paymunl
or nrodificaliun of amortization of the sums secured by this Security Instrument granted by Lender to any
successor In inlarasl of goauwar shall not operate to rulesse the liability of Ilia original gonuwar of Bunowul's
successors in inlaseN. LunJer ?hall not be required le cumnioncu pror.uudinga against any successor in inleresl
or ru11rsd to extend limb for payment or otherwlse modify amortization of the sums sacurud by this Security
lashumunl try reason of any durnand made by Ilia original Borrower of Borrower's succussuls In hdausl. Any
lortwaranca by I undur In awn.ising any right or rumudy shall not be u waiver of or pwcfudo Ilia uxercisu of any
light or remedy.
10. Successors and Assigns Bound; Joint and Several Liability; Co-signers. The covananls and
dgreumunls of Iles Securily hishumunt shall blnd and benefit 1110 alCCessers aril assigns of Lender and Bonowur
subject to the provisions at paragraph III(B). Borrower's covenants and agieumanla shall bra joint and several.
Any Burrower who co-signs this Security Instrument but does not execute Ilia Note: (a) Is co-signing Ilea Securily
Instrument only to mortgage, grant and convey that Borrower's Inlerasl In the Properly under the terns of this
Sucudly Instrument; (b) Is not personally obligated to pay (hu suns secured by tills Sucurlly Instrument, and (c)
agroas that Landur and any other Burrower may allied to extend, modify, turbos' or make any aecommuddhous
with regard to other terms of this Security Inslmmunl or the Note without trial Borrower's consent and without
thureby Impairing that Borrower's obligations and Ilabilily hereunder.
11. Loan Cbargas. If the loan secured by this Socudty Instrument is subject to a law which sets
maximum loan charges, and that law or regulation is linally Interpreted so Ihdl the interest or other loan charges
collected or to be eollacted in Lonnectlon with I11e loan exceed the pennitled limits, then: (a) any such Inleust
and/ur other loan charges shall be reduced by the amount necessary to reduce the Interest and/or other loan
Lhalges to the permitted limit; and (b) any sums already eolle0ed Isom Bonower wwch exeeeddd permitted
lladis will be nfundeJ its Borrower. Landur may choose to make this island by reducing Ilia principal owed
undur I11e Notes or by making a 1.1I100 payment to Borrower. If a refund seduces principal, the leducbon will be
boated as a partial prepayment.
12. Nolice@. Any noticu to Borrower provided for In this Security Instrument shall be given by duhveling
it or by 'nailing it by first class mall unless applicable law requires use of another method. The notice shall be
dlruded 10 Ilia Propudy Address or any olhur address Borruwor deslgnalus by notice to Lander. Any nulic0 to
Lender shall be givun by first class mail to Lender's address slalud herein or any other address Lender
Jusignatox by notice to Burrower. Any notice providud lot in this Security Inslrmunl Stull are steamed lu have
Loan given to Borrower of Le idur when given as provided In tills psrdgrdph.
10. Governing Law; Soverabllity. This Security Instrumunt shall be governed by federal law, luclut inu
Ilia Allulnalivu klodgaue TranuaLlloll Parity Act of 1862 and applicable rauulatlons. Ponnsylvania law aril any
local law that applies In Ilia placu In which the Properly Is located. In Ilia event that any provision of Llause of this
bucurily Instrument or Ilia Note conllids with applicabu law, such conflict shall not atucl utter plovislons of this
Security Inslnlmunt or 1110 Note which can be given olfuet without the conflicting provision. To this and she
l nvisluns of this Security Instrument and Ilia Note ase dodared to be suvurable.
14. Borrower's Copy. Borrower acknowludgos recuipl of phutocupy or a conformed copy or Ilia Nola
and of thls Securlyl lushument.
16. Sale of Nola; Change of Loan Services, Thu Note or a padial bdaesl 111 the Note (logolhur *dh this
bu iaily Instrununt) may be su1J tine or inure tines without prior nulice to Bonower. A said "lay rusull in a
change in Ilia amity (known as I11e %oal Services") tlut collects nluuthly pdynwnis duo undue the Now mid
Sucurity Inslmmunl. Thera also may bu one or muru Ltiangas of the Ludo Servicur unrulalud to a sale of Ilia
Iirdu. If there Is a change of Ilia Loan Smvieer, Borrower will be given written uulice of ilia changd in ALeo141a1Ie0
with paragraph 12 abovu and applicable law, rile notice will stale Ilia name and addiesa of Ilse now loan
Salvicur and Ihu address to which paymunl, should ho made. the uulicu will also contain other udarmatiun
ruquimd by applicable law.
16. Hazardous Substances. Borrower shall not cause or purmil the presence, use, disposal. Malaga us
luleeae of any I fazafJouu raubstdncu, on or Ili the Propudy. Borrower shall not du, nor allow anyone else to do,
an, ding affucling Ilia Pruposly that Is in violation of oily EnvItunnentul Law. The prucuding Iwo soulanc0a shall
10l apply to the prusoncu, use or storaou on the Property of small quanlilius of I18zad0us Subslances that x10
gunalalfy focugnizud to 60 ulyuupriala to normal roslduniial uses and to nla ilunancu of Ilia Properly.
Burrower shall piumplly give Lender written notice of any Invusligalion, claim, demand, lawsuit or other
action by any govourmerilal or regulatory agency or private pasty Involving the Property slid any Ilazard A15
bubslancu or Envirunmonlal Law of which Bonowur has actual Wowladue. 11 Bonowul luams, of in nb111od by
any uuvulimonlal or regulatory authority, trial any sumuval of olhur rauhuhliaien of oily Ilazarduus Subalonh.u
allus.11110 the Plopelly is llecu?say, Borrower shall promptly lake all nucussary senwdiat actions in aLCedariLe
web Luvhunmunlal Low.
As used in this paragraph 16, "1azardous Substances" all, those substance defined as toxic al
haranluus 5111341dnc0s by Envinnmunlal l aw and thu Iolwwinu substances: dasolme, herosanu, olhur Ildmmable
us lu.k pulroluum pwduvls, leak puslieidi s and 11011116t)(15. volatile snivdnss, maloddla wntdininu asbuslua of
Lmealdehyda, and faJieac0v0 0114101ia1s. As used Ili tills paragraph to. "Lnveunnhenlal Isw' "mans 10deal laws
and laws 01 this jurisJidiu l whore Ihu Plopaly is IocaluJ that Faiths to budilh, aufuly of a waom,roulal 11101111.101.
page
17. Rehabilitation Loan Agreement. Borrower shall fulfill all of Borrower's obligations under any home
hshablidalion, imptovomunt , repair, or other loan agreement which Borrower enters into with Lunder. Lenduh at
I endal's option, flay require Borrower to execute and deliver to Lunder, in a form acceptable to Lander, an
assionment of any rights, chains or defenses which Borrower may have against parties who supply labor,
Oraledals or sumicas in connection with Improvements make to the Property.
16. Lender's RlUhbr If Burrower Falls to Keep Promises and Agraenlunte. It any at Ilia evunta of
conditions described In subpotagtdphs (A), (B), (C), (B) or (F) at this Paragraph IB shall occur, Lendel, altul
UivinU Bonownt any Iimuly notice of Bunuwof's rfUhl to cure as may than be required by applicable law and
Bomower'b lallulu to cold within Ilia limn period out forth lit such notice, may tequila that HJUOWal pay
immudialuly Ilia entire amount remaining unpaid under the Note and this Security Inslnnnant. This Inquirnnenl
will Lu called'Imniediate Payment in Full'.
II Lander requirds Immudlalu Payment fn Full. Lander may bring a lawsuit to take away all 01 Berrower's
iumaining rights in Ilia Property and to have Ind Property sold. At this bald Lunder of enOlhur paraUll may actpnrb
Illo pfopony. this is know as 'foreclosure and sale'. If Ilia proceeds of this sale urd insufficient 10 repay t andm
Ilia dmounls due to Lundur front Berrwuf under Ihu NOIu and under Ills Security Inatramunt, Lundur may, to the
uxlunt not limited or prohibited by law, obtain a court judgntenl ega;1151 Burruwur personally fur Ilia difference
butwoun all amounts duo Iran Borrower under Ilia Note and this Sdemity Inslrumant and the sale procduds. In
any lawsuit lot Iwuclosuru and Italia. Lender will have thu fight 10 cullaU all coals arid expanses ul Ilia IerOLIObOIe
unit sale allowed by law, lhib InLludas allu11ey'b rubs and costs Of lilld uviduncu peruoltud by tippWilbld law and
Rb1es Of Court. All such sums as may conlit due will bu secured by file hen of tills Security Instrument.
Lunder may wquke lommdlale Payment in Full undar this Paragraph 10, to the extent not probibilud by
law, it:
(A) Burrower fails to make any payment required by Ilia Note or this Security Instrument *halt it is duai
or
(B) Except In those eireumstaneus lit which federal law otherwise provides, all or any part of Ilia Pmpudy,
fir any right lit Ilia Property, is sold or transferred without Londur's prior wultun consent (or, it Bonowut is Our a
natural poison, it a Udnblicidl Interest In Borrower is bold or transferred); or
(C) On opptiuatiun or Lundur, two at mind insurance companies Ill.unsed to do business lit too Slate in
wbkb the Property In IoLblud 10111110 10 Issue policies Insuring the buildings dod improvements Um Ilia Piopacly. of
(B) Burrower 1411. 10 make tiny payment required by any senior moilli 1,e or Burrower fails to keup any
olhur promise of aUInmonnt if any auniur mortgage; or
(E) Bonowet tails to koup any What promise or agreement in this Sueunty Instrument within rise lime sat
faith, or it no limo Is lint lonll lit this Mortgage, than within Ilia Iimu but loth in the notlca bunt to Bmtower by
I under or
(F) Any lnplasunlahon madd or Information given to Lendur by Borrower In connection with Bunut,nr's
applicullufr lot Ibis loan la 141su or mLluading in any inatudal ruspucl.
19. Assignment of Raub; Appointment of Receiver; Lendar In Possession. As additional sacmty
I.aroundur, Borrower horoby assigns to Lander Ilse tents of the PnOpuily, provided that Borrower shall, prior to
uecufaratlun undar patif fi lc 18 holbol or abandonment of Ilia Property, have Ilia right to collucl and retain such
fulls as they become due and payable.
Upon accelardtiun under pdragraphs 18 hureoi or abandoment of the Property, Lender, in poison, by
agool or by judicially appointed receiver shall be ootitte to enter upon, lake possession of and menage Ilia
Ptupulty and to collect It'd rents of Ile Properly InLIUdnIU those post dud. All rents celledod by Landar or Ile
luceiver shall be applied first to paymant Of Ihu curb of mmuuume .1 of Ihu Prupdny and eellertion of numb,
PnclodinU, lint nut limied 10, lowivur's Ions, premiums ml ruculy r b Until, and tuasondblu attomays' Idea, aril
than 10 Ihu souls secured by this Sucurily Instrument. Lundur and WIN Incalvnl shall Its liable to account only till
llmau rents actually tnceivud.
20. Release. Upon payment of alt bums aecUldd by Ills Sucurily Inslrumunt, Lender shall dischdf Ue this
Sucurily Instnonunt wrlhoul ehalud lu Burmwur. BOIIOwel shall pay all costs Of rueordallun, If any.
21. Interest Rate Alter Judgment. Burmwur agrees that Ilia inturost rate payable dour a luduibunl is
unlaced on Ilia Nola or lit an action Of mongago forectusmo shall be Ihu rate stated in the Note.
22. No Claim of Credit for Taxes. UOnowor will not mabu duduclion from or claim credit oil Ilia
principal or Interest buceud by this Sncunly Inatmrnunl by Mason of any Uuvdtmmunlal lams, dssuusnlunls of
Lflalgus. BuffUWur VIII not clahn ally dodOLlIOn 1101111/10 IdxdblU VdIUU Ot 1110 Ptupulty by lesson Of the, Sur.mty
hlbllnmYnt.
23. Funds for Taxes rod Insurance. Subject to applicable Idw Of a wrlllun waiver by Landar. Bunuwm
shall pay to l undue on Ilia day monthly payul0nls of prb¢ipal and t1llmbat am paydbtu under Ilia NOW, mtil the
Nola Ili paid in lull, a bum (holain 'Funds') equal lu 0110-lwulllh Of yearly luxes and absobsnlents (lnclu91111U
cunduminium and plannud unit devulupmenl assessments, it any) which may affair, priority over this Mortuauu
.fill Uraund runts on Ihu Propudy, it ony, 1,1115 one-lwulllb 01 yuariy prumiunl instal11ounls lot hateful un:.wa11cu,
plus nnugwelhl, of yearly pmudum hlstatlmonts for munuaou insu,aucu, if any, all as rbasunally ebtlnlalad hileally
anti Joint lime to line by Lunder cn Ilia babis ul asautisnlunta and bills and reasonable ublinled.s thmudf
Iimruwol &hall nor be ob iUdbid to Inaba such payinuot. of Funds to I uciddr lu Ilia extort find Ilunuwur oubut,
Lcich paymunls 10 Ue holder of a prior moitUage or dnod of Inlsl it holder is an institutional Lender.
It Uoouwur pays Funds to tondur, Ilia Funds offal be fn an institution life ddpustb or account of which are
Moored Of UuaranduuJ by a a fbJUlal Of sale dUuOLy (includ;OO tender it Lundal is such an itibblubeq. I unduf
>h,dl apply Ihu Funds to pay sail 144ds, 45bassinonts. insurance po n0oms acid UrOUhd runic. Landar may 1101
Lh,uuu fur so holding and applying Ihu funds, anulytinu said atcuum uI vinoyfOu and conyubnu Laud
uasl..amnnls and hills, Indust, Lundur pays Uonuwcr inlufdal on Ihu Fu11da and appliedbla law penntb hidden In
bldh, b1e11 a cllmg0. Llooowur and Lunder clay alllue it, woboo at lllu build Of uxu,;On,m of Ihia MulluaOu chat
idtulual oil life Floods shall lid pJIJ to Borrower, and ullluss ouch aglaunloni is made Or applcablo law ruquilua
Laub ilduruat to be paid, l dndur shall nor bu luquimd N Pay 130nowur any 1,110041 01 1411111111111 Or' Ihu f undo.
I undul shall Uive In Uanuvrer, wllho.ll charud, and dimu„I act ountfnu Of Ilia funr1. sLowiOU uulbls and dulats it,
Ihu Fonds and file pinpobn fur which said duhils to Ilia Funds was mete. I lie Fonda its pluduad as d hhhunal
:,uwnly Im all aeon suuu.d by this rectally Instrument.
paou 4
II Ilia amount of Ilia Funds held by Lander, together with the future monthly Installments of Funds payable
pilaw to thu due dates of taxes, assessments, Insurance premiums and ground rents, shall exceed Ilia amount
ruquhed to pay said lazes, assessments, Insurance premiums and ground rents as they fall due, such excess
shall be, at Uorrowor's option, either promptly repaid to Borrower or credits to Borrower an monthly Installments of
Funds. It Ilia amount of Ilia Funds held by Lender shall not be sufficient to pay taxes, assessments, Insurance
pmndums and ground rents as they fall due. Borrower shall pay to Lender any amount necessary in nuku up the
dufiduncy lot one or mom payments as lender may require.
Upon payment fn full of all sums secured by this Mudgago, Lender abaft promptly, refund to Borrower say
Fuiida huld by Lander. It, under paragraph 17, hereof the Property is sold or Ilia Property Is olherwi?e acquired
by I under, any Funds fluid by Lander at the time of application as a wadit against Ilia sums secured by this
Morluage.
24. Riders to title Security Instrument. It one or mom riders are executed by Borrower slid recorded
louelhor Willi this Sucutily Inabumunt, Ihu covenants will agreements of uo:h such tiller ?balt be Incunpuralud
lido and ?hall amend slid supplement the covenants and auroamenls of this Security Instrument a it tile lidul(b)
were & pelt of Ibis Security Instmman.
IChock applicable box(es)(
r? Adjustable Rate Alder ? Condominium Alder ? t • 4 Family Rider
I?7 Graduated Payment Rider ? Planned Unit Development Rider 0 Biweekly Payment Rider
L J Balloon Alder ? Rate Improvement Rider ? Second Home Rider
? other(s) IspoblMl
REQUEST FOR NOTICE OF DEFAULT AND FORECLOSURE UNDER SUPERIOR MORTGAGE OR DEEDS OF
TRUST
Borrower and Lander request the holder of any mortgage, dead of trust or other encumbrance with a lien which
lima priority over this Sucurlly Instrument to give nolicu to Lender at Lender's address set forth on page one of
this Security Instrument of any default under any superior encumbrance and any sale or other loreclosure action.
IN WITNESS WHEREOF, Borrower
Witnesses:
.I a
has excuted [tits Mortgage.
I Hereby certify that the precise address of the Lander (Mortgagee) IS:
Oa Imliall of Ilia Lander. By:- ---Title*
COMMONWEALTI I OF PLNNSYLVANIA, County as:
On this, tile day of
whose name(s) subscribed to the within Initiumard and acknowledged
that _..? executed same for the purpose? herein
contalood.
IN WITNESS WI IEREOF, I hereunto set my hand and uhit. al seal.
My Commission expires:
Till car
NOTARIAL SEAL A ER RECORLI ING RET URN TOo
dGM A Musffluld r. NoryCp?usa?so
M?C,.uNaFr?JUwt tODt _-.----
page 5
1
I.alubU A
Tract 02 North folly-three(43) degrees thirty-one 0l) minutes thinynine (39) seconds East one
hundred eight anti thirty-nine hundrsddu (101.39) reel to an iron pin, thenca along lands glow or
formerly ofJ9lut X. Wright South forty-six (46) degrees thinynine 139) minutes thirtyona t3l )
seconds But three hundred oue and seventy-eight hundredths (101.78) (eat to the place of
beginning.
BEING pan of the tune premises which Joseph 11. Fisher and Mary K. Fisher,
his wife, by Indenture dated March 29, 1990 arld recorded at Carlidc in the County of
Cumberland oil March 30,1990In Deed Houk 34•M, llage 210, granted and conveyul unto
Richud L. Pickett and Blearure R. Mellen, his wife, in fce.
ALSO BEING the sane premises which Eleanor R. Pickett, by Quitfilahr Dccd
dated October 17, 1996 and recorded in Book 149, Page 339 quit claimed unto Richard L.
Picker:
't
1 i
w
f
i
.. ...... u..?.r n+. n ... W-. au...ax, ry ,nr .F
n1111bul: _4411040.'0 PA
WA) IIA I F NOIE
.PENNSYLVANIA
ussNS•NNllon ,hyu1h I9011
DAIu
------------ •---- -' ?'/ pnxilili?y.nnAn , Pl!?!YYII i r r1. ! ??!!-_- _._.____. .
11'Ngnnly .111146) .-. _.-._ ? .
1- 11"IflOVIVIR'S P1101,11611 TO PAY
41001.41,I•d Y FWII IINI IWIN 10.x,11'1. I IXIYWaY N, IWy II J k U5IIIUIIl Il111. IMMOM111 Wd1b.WNWI14f11111411. I'LIL vad,..I Ill IIIY
WJr 4l lhfl10lJ.f 11141 WIIIo W AYIWl Iu1J41y C•WIpY.I4Yl IW1JW f1+1411h.I IIwI WUIy11b.y 11+16110 IIYf NY1V ILYI WpFX 41
YIIy 014 MII4 I.I4J IIIN 1111140 Ily tW11LI W VInI NI14Ii VIII4IVJ l1- IY'.N•4I'4)IIIVIII.IIUIIu IIII. IIJI4 W if LY L.IYJ III4 114014 I IJFIW -
: wnnut
1611104011 Wd be LIIAU*d 111.4111 W4I I4YIL40114111 IN. IIII wo.,1111111.61LIpil h.. L40011uFl 1 wA p1y 611rb1 H 8 y.AAy Id.1-l 11 /p11
"IN L414"finl14109401Ly via ne1.:W J.y on44h, WAllfullw M.'ah.luwJW l,hul Ji1L WW Ab> day p+l. FJU.111.Y114
1111x1441 I411I II W Iy W1.+WI I W i LL411NMI b Flf
111l interest We 1 WPM W 1 by IIJ1 h4LbW1 W MI fill. 11u1.1.10410.1 v.A p.( bull. b.1,4. 11.11. W ry J.1AAI d.Lu4w141 badna. 1IM11-1
IIY.llulf
9 PAYMONIe
III Ihnf and Plow of ?0pn41b
I WII Noy PION 4141 MJAlYllfl by "x401104.1"4111 V101 y '..With 1111 S F 014101
IWe"makem.'11"llhlypap4Mda111II1414III IJy NI 4.•.h 11 x411 hg1.W4YJ IMAM"1411Wju I We hub llWfu IWI111wJ. 1.wyb4aMh
I411I 1114,41 WF1 416 of ILf 144a4WI W.I 41104.I AMI W1y ullul CIW1dY. Ju.1•YJ I111WW IIla1 I May 0.01010 It.. 14A. Ihd...
"A.JLW 11.1 I4m4W1111."61, .I piynwuh 011114.1{6..11..111.11101 An.l 114.+416110.11 W W file I u.NMI i. J ally, 1. IL.
0"440101114WIWWr4f II,WI6.Iyu1 AW6.111041...nwu11...... 10111.N1A41Ylly1VyIIW140 WI01411141 Fly WIIII.IFIW. WLIJIq
L4yW 11114 -11011444 dale-,
1 Wr nub Illy "410111/4 p4pnru1419l118 1 Yrul AN . I bw 1 /. 11-a blp.Wa. 1:. pAl/ 1 w 414 JJIr Wll NLCY J bq W tlJ Ly ILf I4ub
I I1Mw.
4. MONNOWLI'e NldlltyOPNIPAV
Ihe.f IIW light IO mute PIp1wrils III 14h11.4414I Ylly Wu 1-11W4 11,11 0 1 1 41 A1W....... UI1 Ifl.4ul WIIy I. F11p1Y11 YLY 11011'100111.11
1W 141.,4WI 81x1 a'alwd 411WYLl Wl 10114 WII owy LY IYel"'I 41 "Hutt'. .I Nall +I iMy I.W. Ind Y 14YIIYy11M11 nW1W W1111f141. (9I 41111
01 tha diIf u10C.A4Y1 Ill's I" ud11+11 W N' 41NnrW!I µyup'lu?l Lluulp 'b"".
111.1 W MMrybrA b 1140Lq. ".61"11 a 1114.
4..11 dY1WJl b 1.q 1Wn1 u1 III. Mae a LM4f0aPY L'/ nI.k.l. 41. w+1-,d A .IYn Wp.d l1- ILe 110114,.1 W fW le) "10"04 4JW.b1 uIl IL.
..WYYII IYgWW 11 any 1.141111.1 nY.111t I-.--I WJ 114.11x4011 IIu Ib4.11-41114"A1....l WIlly Ill'. 111101118 IN IV.b• 011.. Y11pW41
I11W14)iI 11NI I Ii: Y IIndW IIn. IIUW. 111114Ff Y 11014114114x1.' W II, III W Y W W I1V 1111110111fY. 411IItl IFIY •1x8 W Y 144x11. 111114 114111"
1.111WIl1. ulk.. IIW N.1.IL WW +w... al WIII4.u Ill 111111111..14401 1'11.11'1 Y. 141"11.1111 LW.IW11 h, If.. Note WWJw w1-.. We(Ii YIWM1I
G•IA111A 'Amts , .1 11.0 If..* IIIY Law, Is IwNW and no J011 M 0 Ile I W .'LoudYJ J I p" YI 1.0 Yh.Yd "I.1LYdA..
It. MAN CIIANOke
11 . Lull 41 I.f AAlnal, WIJCII AI41b41 4. JIM. 01111..tH WIi1I111.111W.... ... kWl I.IIYI111:a. I. I4414y fIILVIY.I.J .411.11 IIIY k4w YII u it..
l Wn chal4e) 4ANIr11 W 1, LY 'A, I'll W LIMYU:a14YI W All IIA,16,1111'., ..J 111.114,111 W I N .A.. III,, NI 414 ",h 4110.11.1161. 6110 W
16011 LIW (IAL Owl NO IYIkICw1 by 1IW 1101"011 II.. uluay 11 bvkn V ILA.11111.1 "111x1 Lun 116.1 41.) Ih911,,141.11k4r. 1.11 611
Y.v"In'.Yk40A.Iy C1A10lV1l h,w IIMM,.I.11Lal,geJuII"II Odb 11,04, ".0 LV UL41Jc1I 11 b l" IIW MAN 1W IN IIWy C1 -Ill I1111WFU Ill..
1110111 IIy I4dInWJ IIW 1x160.4 Wl Yegb4I1114h11LL II"IJN I1, 11414YJ.1Wu l1°1,111II LI IW II u1FWJIwIu.r. l x61., 1111.41441. L..
Fe 1.0 11111.1.. A 1 WIIC1I I Ylily.. 111
U "(1111111Wk04 IAO IIAk 10 PAY A4 lit Ill 411111
bill I Wa Met,.. IW O NNNw P4y1WU1,
11 Ihtl N11IY 111610 h1-1.\.111.0..1I II. WI I l l Ll.hy 1..unul/ h.p..el lly Ihf 11.1,.1 falaw, 11) • AL4uW W,, 4A0Ihf JAI, 4 W
'hut.I M1I la, A 6b111410. lull.. 10.01 I1u1.10 IIw.,.,-.d,4IIIY Lt. LIW11V Ilia L.11.1Np11,,I 11 H1 uIMI, .111416..+IIW iuw111.1
1441114 W I YIIJ,IIp1LI fall N. L.. 114.11 I.V Ihl I 0,41vj IIM: Lt. 1.Iu1gV L ...14.14 1•.1. ..1.1.. 11\ 61.IW„IWW
441061.&1
1114.1 11-1 N.y Ihf hA Wlpuul W YA1h Ndlol.11 pqullI 1m Ill, 11-I. 4 4 160, 1 \ve b1- 0. 1411111 II I .Ill b J4L1M .rol 111. 1x14.1+1
1Y.IC11 WI ....M1n.I 41 IIII0 L.'I 1.1-\ Y. I:•11 pal, III. ILA. 1I.. 14 ..u, IL.an 111 W I..1' •. 4. a. W 14.10( IIW Ine 110110X1II..11h141.+41c4161
LuuW l WIJ Weu41 bW..l .111 AI, ah. W W xud. 11114' 1-111 1.1. L. IIJ . l...1- if 1-,.. 4th. 11¢.1 lY.n4wl01.1+.1 ON., Fai n.
1N pU."W.. 1..1. 1..I.Lium IIIY II..le 11..FAI\rA.4u1Il1Yi 11AI.11.?IM1111.4141W Ih.141.111'•IIW(41"1,4.LW..IM1.MI I.L.a
:.W.NaIW11Y.b an.[ .•1.41118 I., • I .Nw, Lt. Ill. 14 Ill 11161. u0y 16..1 w1 I.. pq w4,aW14/ IIW 1-d l.pi^I 1Y41111W11•.Ln.
16"10"x10111 myW1161Mud.eJ lw u1L11N.4.11.Ilinn lm4uuJ.11M. Lnm 111.1 JdY 11"110.1 0.,1.11411.6. 111r J.b
WIW11 W I .u
Ia11YhKI11Lf IhAL:e 11-111Y1fJ IJ IIW W,+G pI N? .11(1 x001 ILY •11140 1.I LL I1 b IN11i1M 4I IY IIW
141 No W.lol Lt NYW I WJ.I
1"WI J. .1 . pus W l4nl I An 41 W.01 ILf 14.10 11.6111 'I... .-I ...Ow. 1-.J l1- L.y 61..waA11y 11 LA i% 1b1:.111w11040u, Ih40 Nub
1114.111 WII NA L.I. IIW 01A611. 4, 4.A I.u1W.10.A.1. L.1.1 1.w
Off Pgn11u1.1 Np. II.AJ+1 . Cu.1.. 41.......
III d.W M, "IMAh. W IIW 110 11.40 I14.I11 1..1401.1.1 ee' Id p1.( ..11.1..1. I,— .t- W .11,11.nu Ilw 14111. 1I. It. I. Iu,11111.14111
11I'll fW4I I.CL IIW 114 as.1 A. 11.1..1111 Y-011"'.1..1.\.1 ..•x140 IIY.41..1111141.111.1.111.-11x1.1.4.11111 .14.6..1144. Ih.1_.
Yq.wl bun lJ-W. la u..u.1 A,I o+.u1.lAY Wln?ey'. 1-n. 1, 4 .reh4d d 1., .,, I A.1 4.. 1.01..14 A// 41 ha.q..1 F:J HW wy
.1641 IuM&LII.A40Y1 I'd 1I.A.k..IIF..L..n...... 1.41.. 1 ... 11.1 A 1...... 1,, 141.'....4"... I$..4uI
rl.
IhY43 oll'oYMY 1.0IW11W W' 'Ied.d IIWIIIYJ will, nul.. 11.1 IW'A W "'.1 LI.1.1.no. 14.1. vuI hY Iy111 by d,hIwvlg Y W Ire
11.1110 a by INA\43311.1 oil It.. Plxhaly A,14,i3 YILrvYrM YI Y 411UWI YJ Ig14111Y NulY IIWJw r111uIxY Ul bly larWlll
wldhes.
Any notice Ihal uml he ghat to Iha fluid IIowa W ndw 1IN3 Nola WA Ile felon by 0.0111. 11 by 41111 LId1/ Mai W the N.tv I ko dd 1111.0
d?d4L3 LIYI W it. Coi 1W11 OJAI YhxYY IM YI Y d1IIW W II aukka41 d I W II Lilian Y 1 WIKY YI that Instead W l'boss.
U. WAIVERS
I wane toy lights to lalyha IIN NYIY 11WIlw to du caUn I1wlg3 Iho3Y Il4rga we JAI to dal.nd Perugia of andaw la dud Mluwn o
.P usolmmll'). 10) to g1YY IIYIILY Into Wlu.'r431hW INYY Out to al lmo l (klow 1 A. MUIkY d13hw1111 I, to 06111. WI "[111161 caMhLew.1
of nWllwynkYd (Lino." d1 Y ' ols.l I AryWN clot 11) who dgla4111 J.1, Put xW.0.11311.da YI lids NYIY, W (N who *UON. lY ILLY
I4plxslb to the HW1 NoMW d SxI'd ld Will My lxtd113LHNYh111.1. Hills, lx to) %?ud shyn this NYIe 14ININIW N lY 30o4uxd d.d lllm%0
as 'glwUOlms. YIIINip, W bl W WOUw YL .1.0 woods. 1hYL4 ouh1Y.
U. IIIIS 111011 COVEll BY A ?LCURITY INSTRUMENT
A 8-11111, lost, ...wit of Won th11Y a .1amoug a du34Yllbdu of 111,y WII INYIIIMI/ INYIW.I3IIIY NuIY I IYLIW II W11lN1aSlaY Lr33YY W I1hI11Ngh1
IWYN 01 Ul 1101 LYYII II11111W1131{ wI111.11 I ONLY d1 I1111 NYId flue N.A.Is s wlLd by lad CWau ly InkInw dull IhN bo.MNY h13bIx11Yal
d.o.Au,. hew dr W 11.111.1 %1141 NM W OW IY I ILY 1101.1111. W l b, ILLY wY1N161Y Imp"wd W IuL YI Y1 YII ulud. that I Y W Y rxulw IIAY IOAY
10 111SPONSINKRY UP YLIUOUNY IWO61 line N019
If flood 111." u13 ousson bu's not, MAN. mdl of no 113 Maly .,.it PW aW.Y/'44p,lIalud IY l.y the lug wlNUnl ObYJ IAIa ILY L uv,Wu 4a
W..dNJ Y1 &"Doo. OIAI au,1 61111 W Id 111 Lv.p Y1 YI111.0 jou1 W KM 11LMI1 Yr Uu. 14.11 Air/ p wwdlx, slow,, w wJw as ,.I ILY th.Ia 1•a
d Lhwlyky IN Ix . I lN l011 aggmxnYll Ng.Ilw IIdM 1.1Odious l.ULIU I tu dd IIM.lhpolh Ihu Nine 111Aknr walto Sa pay gA lunAw lhN NYbagmWNLw hot
IN W1l.
xi 0.4 denj dny Wltl .1u. u.y I.41 Yo 1r1YYJ 111 YL YI II1Y YxMMN16 YWYd IMIJN 114.
t IYIY.
Any lobo wood 1.1aa. OYW Illy Ikild3 W dollpluton,. Walled 1143 NYN has dl of illy IIUIIII and IIWN LWP dl YI IM/ IMWIYad3 toddle LI flab
Nol. Any Pa3wl woo takes oYW the 119141\ IN YL.u.IMxla .4 a vNb1Ay, .1x Y1/. W YII.10b11 at Ilea Null (Y3 IIpWNd YI Saban h
dwva)11 also 614g41w114 kxal, .11A Ihd p.doW.a3 u.dY w Ila. Mau
111. APPLICABLE LAW
flu/ n01J Is nu Mould f mbuo 1110 It1Y AdoIbIWe MwIUYUY IN9w11JMx1 PYllly 411.10) I WII 111111 YIIIrLCYIdY 1tl{f1IIeINwa (Ilbawau lO IIN Mall
III)I IM"Int)[Y11 sly 31101 111 01 IYUuldhdaIs 10 onla Ylal4l:dlrlY low al LW, I'IY1113)[0ank1 LW 9YYW14 IL It NUIY hl III. W W11 sit A LA.10
IWIWWII YIIy lxuYlaLW Of 111113 fluid ..I wly 1.4,01 to P.MI.YIIWILI blood., law 14 IVUd•IIWI YI OVIA d3 411 111. 44IY .1 1101 NYIY. Ihd
3NIMIY. law W 13UIIlalson 311.1 Loulla to IIN d.Idul of 1xds 1 W.164 end ILY.xIrldl. U Ixon.1.N1 La t.wYd bt I143 IIMld bb.4 bo %dtuMd
snow AO YIl1w P'11113LY13 Yf 1114 NIIN YI111L114Y1 ally NlyLlnd 1111x1 YIIIW I.dYI1IY
12. ANSI TRATION
Ad ealNYra3b d skins belwdw IIN P4d1p IIw Nu WLLldwg I inter, %4x11, alit of 11,41\10 lY Ihd suldie l Maine .11f13 INn3a0wl.
YILLNtYIy Ind not YWIWI In 111. makwg N Ih/ loon, this how ApdanW41. Ilia I to. III. Malgage and WhW dataunwilo mlo L1U ILW Wu,
Ihu 611MI Of the tan will IIN YnhniYnlWll UIae.4 same bid detained" by WWIWSwI III awWJWUY dust, aIIpIA+IAY ,Ad* of Out
AuNOAYn /Yhillwout Assured on Aldou'v 11 W I ILtl YIWINIYYI io Ywd 114y LJ W1Iu W 10, Wry cWYt lw1iuv J,AsaUWII. Wshudal waNhlg a
I'111y's light to additional, any l.dy Ivry upldy In all Lwnl 1-I colnq:ldaA ulaladhw I. the toloww al to colulcd lad Y3a1UW'(11 YI
lads pwmsYl ewddi ml LI Oily Mr41pow ddLulhlU the tolin, kahui Ho r Yfr110Y1a1Nd11 MI / IYLwvW: 10) IO 3YLW a 11a3W s"Lu .1 It'.
I,YP Iy Shcldd 10 lea Mw19a0d by ax dcnwl IW ouhmhd dN1LlW. Any p1ucLYJu.g Iw linikJ l IwYdowda 61.1 not be 3WN11 to
wWhaNOn Ths Y.WIdsYI ilia powa.sold adro.mW1hI Ihd Maliw•ball.WU IRA. IYWI W IIN pWd1Y OI guy(YI/1111dYIW4 tobous Y
Motor Ilia NIYI W IM IAIIYMiwai C.14 0u111U1 C\MIMINII W a 111Hif 114 alydnueul 1.1 albihdY I .W NNI Ulry by acarNd wWYldaldMl Willa
4`??? IIENEwI1NE8S0'1'?E IIAIIjL?E?11 Eli t 6FA?:;,81?F1 IEEI NU ?I-Y( PANT.
S'IICiNI'I?sfIEEN?NO nUEIEOAILV 110111,10.
RICHARD 11. PICREII
1111.4. Ib30, . W ."..NA GYab11J W%'-d N1Ua3h11 11 4 111110, II1.11n1.11Yx1 V11 14.4 a 4 ...1*\YII IIYJYrY11U4A1.1311 W 141x111111111
I00140 V"b.1.1`dWS1.1 to 1O,M.Moulk=a111a 11s.IA1L-1M11N.J U1113Y1111 lflL.I
l I4UU: i
w+.a n
GOLDBECK McCAFFERTY & McKEEVER
A Professional Corporation
By: Kristina G. Murtha, Esquire
Attorney I.D. # 61858
Suite 500 - The Bourse Bldg.
111 S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
Attorney for Plaintiff
AAMES FUNDING CORP.
P.O. Box 76930
Los Angeles, CA 90076
Vs.
RICHARD L. PICKEN (Mortgagor
and Record Owner)
257 Roxbury Road :
Newville, PA 17241
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY
No. 99-6517
CERTIFICATE OF SERVICE OF PLAINTIFF'S
NOTION FOR SUMMARY JUDGMENT
Kristina G. Murtha, Esquire, hereby certifies that she did
serve true and correct copies of Plaintiff's Motion for Summary
4
Judgment, Memorandum of Law in Support and all supporting papers by
first class mail, postage pre-paid, on NCCtYIbet aCd 1999 ?>
upon the following: Richard E. Freeburn, Esquire
FREEBURN & ASSOCIATES
4775 Linglestown Road ?. t ^<
Suite 200.
Harrisburg, PA17112
:.
},.}?.
s
1.
f `? r
?
M
{
i
AAMES FUNDING CORP., : IN THE COURT OF COMMON PLEAS
Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA
V. NO. 99-6517
RICHARD L. PICKEN, : CIVIL ACTION - LAW
Defendant : MORTGAGE FORECLOSURE
DEFENDANT'S ANSWER TO PLAINTIFF'S COMPLAINT
AND NOW, comes Defendant, Richard L. Picken, by his attorneys,
Freeburn & Associates, and files the following Answer:
1. After reasonable investigation, Defendant is without knowledge
or information sufficient to form a belief as to the truth of the averment
contained in this paragraph, and strict proof thereof is demanded at the
time of trial.
2. Defendant admits that he is Richard L. Picken who resides at
257 Roxbury Road, Newville, Pennsylvania 17241. Defendant also admits
that he has a mortgage on his real property. Defendant incorporates herein
by reference thereto his answer to paragraph 1.
3. After reasonable investigation, Defendant is without knowledge
or Information sufficient to form a belief as to the truth of the averment that
the mortgage has not be assigned.
4. Admitted.
?S
5. The mortgage speaks for itself. '
6. After reasonable investigation, Defendant is without knowledge
or information sufficient to form a belief as to the truth of the averments
contained in this paragraph, and strict proof thereof is demanded at the
time of trial.
7. After reasonable investigation, Defendant is without knowledge
or information sufficient to form a belief as to the truth of the averments
contained in this paragraph, and strict proof thereof is demanded at the
time of trial.
8. After reasonable investigation, Defendant is without knowledge
or information sufficient to form a belief as to the truth of the averments
contained in this paragraph, and strict proof thereof is demanded at the
time of trial.
WHEREFORE, Defendant, Richard L. Picken, respectfully
requests that Plaintiffs Complaint be dismissed with prejudice and
judgment be entered against Plaintiff and in favor of Defendant, together
with costs of suit.
Respectfully submitted,
FREEBURN & ASSOCIATES
C- a
.
By:
Rich d E. Freeburn, Esquire
I.D. No. 30965
4775 Linglestown Road, Suite 200
Harrisburg, PA 17112
(717) 671-1955
Dated: 11/24/99 Attorney for Defendant
2
r?s
?k
VERIFICATION
I hereby verify that the statements in the foregoing reply
to new matter are true and correct. I understand that false
statements herein are made subject to the penalties of 18 Pa.C.S.
Section 4904. relating to unsworn falsification to authorities.
Dated:
RICHARD L. PICKEN
I hereby certify that a true and correct copy of the foregoing
Answer to Plaintiffs Complaint, has been duly served on the following
this 24th day of November, 1999, by placing the same in the U.S.
First Class Mail, postage prepaid, at Harrisburg, Pennsylvania,
addressed as follows:
Joseph A. Goldbeck, Jr., Esquire
GOLDBECK McCAFFERTY & McKEEVER
The Bourse building, Ste. 500
111 S. Independence Mall East
Philadelphia PA 19106
BY: \I -
Richard E. Freeburn, Esquire
Attorney I.D. #30965
FREEBURN & ASSOCIATES
4775 Linglestown Road, Suite 200
Harrisburg, PA 17112
(717) 671-1955
Dated: 11/24/99 Attorney for Plaintiff
a '
kr_
S?
! r,
3 yi'
i ?.j.
4 `1
rx?:
ha
1, w.:f......
tt `C
µ? .
M
Wa
Y ' : C)? ' ""' mot;.
r
LL I
IA. (j U
a
?.c
Y
I
+
j.
I
rY
>
'Y
;i
a?
s
%e,-
4.
( 1'r
'
GOLDBECK McCAFFERTY & McKEEVER
A Professional Corporation
By: Kristina G. Murtha, Esquire
Attorney I.D. # 61858
Suite 500 - The Bourse Bldg.
111 S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
Attorney for Plaintiff
AAMES FUNDING CORP.
P.O. Box 76930
Los Angeles, CA 90076
VS.
RICHARD L. PICKEN (Mortgagor
and Record owner)
257 Roxbury Road
Newville, PA 17241
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY
No. 99-6517
ORDER
AND NOW, this day of
1999, upon
consideration of Plaintiff's Motion for Summary Judgment, it is
ORDERED:
That Summary Judgment is hereby granted in favor of Plaintiff
for the dollar amount due as of the filing of the Complaint ($
96780.61) plus interest at the rate set forth in the note, fees and
costs and other charges in accordance with the terms of the
mortgage and note and the demand of the Complaint.
BY THE COURT:
J.
GOLDBECK McCAFFERTY & McKEEVER
A Professional Corporation
By: Kristina G. Murtha, Esquire
Attorney I.D. # 61858
Suite 500 - The Bourse Bldg.
111 S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
Attorney for Plaintiff
AAMES FUNDING CORP.
P.O. Box 76930
Los Angeles, CA 90076
vs.
RICHARD L. PICKEN (Mortgagor:
and Record owner)
257 Roxbury Road
Newville, PA 17241
IN THE COURT OF COMMON ghEAS
{ rn
OF CUMBERLAND COUt rY?
iii
No. 99-6517-
PLAINTIFF'S
MOTION FOR SUMMARY JUDGMENT
AND NOW, this Plaintiff moves this Court for Summary Judgment
in accordance with Pennsylvania Rule of Civil Procedure No. 1035.1
et seq. for the following reasons:
1. There is no genuine issue of fact or law upon which the
Defendant would be entitled to relief.
, Plaintiff moves for Summary Judgment in its favor.
GOLDBECK MCCAFFERTY & MCKEEVER
A Professional Corporation
By: Kristina G. Murtha, Esquire
Attorney I.D. N 61858
Suite 500 - The Bourse Bldg.
111 S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
Attorney for Plaintiff
AAMES FUNDING CORP. IN THE COURT OF COMMON PLEAS
P.O. Box 76930
Los Angeles, CA 90076 OF CUMBERLAND COUNTY
vs.
RICHARD L. PICKEN (Mortgagor and :
Record Owner) NO. 99-6517
257 Roxbury Road
Newville, PA 17291
AFFIDAVIT IN SUPPORT OF PLAINTIFF'S
MOTION FOR SUMMARY JUDGMENT
LIIAAJ/CE Fo,6WVRW , being duly sworn according
to law, deposes and says:
1. I am the ?EFAU?T OFF/GER for and
representative of Plaintiff. I am authorized to make and do make
this affidavit on behalf of Plaintiff; and that the facts set forth
in the foregoing Motion for Summary Judgment are true and correct r
to the best of my knowledge, information and belief.
2. I have personal knowledge of the matters referred to in
Plaintiff's Motion and as set forth below, I make this affidavit in
support of Plaintiff's Motion for Summary Judgment, that the facts '"
set forth below are admissible in evidence and I am competent to
testify to the matters stated herein.
3. The Defendant, RICHARD L. PICKEN, made, executed and
delivered a Mortgage upon the premises, 257 Roxbury Road, Newville,
PA 17241, on June 15, 1998 to AAMES FUNDING CORP..
4. The Mortgage has not been assigned.
5. The Mortgage is in default because monthly payments of
principal and interest due May 1, 1999 and each month thereafter
are due and unpaid. At no time from May 1, 1999 to the present has
the Defendant tendered the amount of payments required to bring the
Mortgage current and I have at all times been willing to accept
same.
6. A Notice of Homeowners' Emergency Mortgage Assistance Act
of 1983 has been sent to the Defendant by regular mail in
accordance with Act 91 of 1983 of the Commonwealth of Pennsylvania
on the date set forth in the true and correct copy of the Notice
attached to the Complaint. The Defendant has not had the required
face to face meeting within the required time and Plaintiff has no
knowledge of any such meeting being requested by the Defendant
through the Plaintiff, the Pennsylvania Housing Finance Agency, or
any appropriate Consumer Credit Counseling Agency.
7. The amounts due and owing on the mortgage in question as
of the filing of the Complaint are as follows:
Principal Balance
Interest from 4/ 1199
through 10/31/99 at 11.7508
Per diem interest rate at $27.54
Attorney's Fee at 58
of Principal Balance
Late Charges 5/ 1/99-10/31/99
Monthly late charge amount at $86.60
Costs of suit and Title Search
$ 85,557.13
16'4L/. 95'
5-lBQd-ft
4,277.86
$!0(0.Oa
Jrxtaq"
560.00
Escrow Balance
Monthly Escrow amount $
I hereby verify that any exhibits attached hereto are true and
correct copies of the originals and I declare all of the foregoing
to be true and correct.
SWORN TO AND SUBSCRIBED:
before me this 9?j! day:
of 2>&-em eot , 1999:
=311-?
Notary Pu lic
Comm'scn it 1215710
1. " Noic/Pub:c-Co.".Icna
\ C "-:"?,=='0.I/
,s izw
> w f?ua.
t
F 4
b?r<
w
p
Ct?X
GOLDBECK MCCAFFERTY & MCKEEVER
JOSEPH A. GOLDBECK, JR.
Attorney I.D.#16132
Suite 500-The Bourse Building
111 S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
BY: KRISTINA G. MURTHA, ESQUIRE
Attorney I.D. #61858
Attorney for Plaintiff
AAMES FUNDING CORP.
P.O. Box 76930
Los Angeles, CA 90076
vs.
RICHARD L. PICKEN
(Mortgagor and Real Owner)
257 Roxbury Road
Newville, PA 17241
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY
No. 99-6517
PLAINTIFF'S MEMORANDUM OF LAW
IN SUPPORT OP
MOTION FOR SUMMARY JUDGMENT
This is an Action of Mortgage Foreclosure brought against the
Defendant who is the Mortgagor and Real Owner of the real property
located at 257 Roxbury Road, Newville, PA 17241 ("Property").
:.h
Plaintiff filed a Complaint and Defendant filed an Answer.
Plaintiff has now moved for Summary Judgment and this memorandum is
offered in support of Plaintiff's Motion.
IT, LEGAL ARGUMENT r?
Pennsylvania Rule of Civil Procedure Number 1035.2, effective
1, 1996, provides that "After the relevant pleadings are closedbt
within such time as not to unreasonably delay trial, any party may MM
for summary judgment...." Summary judgment is appropriate to be
entered:
"(1) whenever there is no genuine issue of any material fact
as to a necessary element of the cause of action or defense..."
Pa.R.C.P. 1035.2(1), revised effective July 1, 1996. Pa.R.C.P. 1141
notes that the foregoing assumpsit rule shall apply to Actions of
Mortgage Foreclosure.
Recent rule revisions regarding Summary Judgment now require the
party who opposes the motion to provide the Court, in response to the
motion, with "...evidence of facts essential to the . . . defense
which, in a jury trial, would require the issues to be submitted to a
jury." Pa.R.C.P. 1035.2(2).
Rule 1035.3 states:
(a) The adverse party may not rest upon the mere allegations or
denials of the pleadings but must file a response within thirty
days after service of the motion identifying
(1) one or more issues of fact arising from evidence in the
record controverting the evidence cited in support of the motion
or from a challenge to the credibility of one or more witnesses
testifying in support of the motion,
Plaintiff has included an affidavit in support of its Motion
for Summary Judgment, pursuant to Pa. R. C. P. 1035.4. The Affidavit
sets forth the basis of Defendant's default and the amount due.
Accordingly, the only issue before the Court is whether Defendant's
Answer raises any legal or factual issue which provides a basis for
denying Plaintiff its request for summary judgment.
In paragraph 1 and 3 of the Answer, Defendant denies for lack of
knowledge the name and address of Plaintiff, the execution and non-
assignment of the mortgage and the mortgage recording information. The
name and address of Plaintiff, execution and non-assignment of the
mortgage, the recording information and the legal description of the
Property are matters of public record and may not be denied for lack of
knowledge. See Goodrich vs Amram d gPct nn 1029(c) l at p.p. 279
9Q• Accordingly, said lack of knowledge denials constitute admissions.
Moreover, there is absolutely no requirement that a mortgage document
be attached to the Complaint. B=, Pa.R.C.P. 1019(g).
Plaintiff incorporates by reference the recording information for
the mortgage and all assignments. The Pennsylvania rules require
nothing more. Pa.R.C.P. 1019(g) provides:
A party may incorporate by reference any matter of
record in any State or Federal court of record
whose records are within the county in which the
action is pending, or any matter which is recorded
or transcribed verbatim in the office of the
prothonotary, clerk of any court of record,
recorder of deeds or register of wills of such
county.
Paragraphs 5 and 6 of the Complaint contain the specific averments
of default and amounts due and owing upon the mortgage required to be
averred in actions of mortgage foreclosure as set forth in Pa.R.C.P.
No. 1147(4) and (5). Defendant answers the specific averments
regarding default that "The mortgage speaks for itself."
Plaintiff respectfully suggests this is an insufficient and
incomplete response to Plaintiff's specific averment of default.
Moreover, the failure to respond to Plaintiff's allegations of default
constitutes an admission of default, pursuant to Pa.R.C.P. 1029(c).
As for Plaintiff's allegations regarding the amount due, Defendant
generally disputes the amount owed. However, Pa.R.C.P. 1029(c)
requires Defendant to dispute Plaintiff's allegations with some
specificity. Defendant has not done so. Defendant simply states he is
without sufficient information to admit or deny Plaintiff's allegations
regarding the amount due. However, it should be very easy for
Defendant to specifically prove that the mortgage account is current.
He simply has to attach to his response to this motion copies of
cancelled checks for the period from May 1, 1999 to the present.
Moreover, Defendant fails to specifically respond as to his failure to
tender monthly payments or the total amount due and owning.
Defendant cannot simply invoke Pa. R.C.P. 1029(c) when the
Defendant, as well as the Plaintiff, has knowledge, or should have
independent knowledge of the mortgage account. Further, as case law
assumes that Defendant has knowledge of his own mortgage account,
Defendant is deemed to have admitted these specific allegations of
default by failing to deny the allegations with specificity. See First
Wisconsin Trust Company vs. Strausser and Perlberger, 439 Pa. Superior
Ct. 192, 199-200, 653 A. 2d 688 (1995) ; New York Guardian Mortgagee
Corporation vs, Dietzel. 362 Pa. Super 426, 524 A.2d 951 (Pa. Super
1987) Cercone va. Cercone. 254 Pa. Super. 381, 386 A.2d 1 (1978); Pa.
R. C. P. No. 1029. The lack of specific, detailed response to
Plaintiff's specific averments of defaults constitutes an admission of
the default and amounts due and owing upon the mortgage. See. New York
Guardian Mortgagee Corporation vs. Dietzel. 362 Pa. Super 426, 524 A.2d
951 (Pa. Super 1987).
While Defendant's default is a legal conclusion, the Court should
conclude, based upon the admissions of the Defendant and the verified
facts of Plaintiff in its affidavit in support of its Motion that
Plaintiff is entitled to summary judgment.
Defendant, contrary to his unsupported allegation in paragraph 5
of their response, have never offered the total amount necessary to
reinstate the mortgage. Plaintiff would gladly accept full
reinstatement under the mortgage as it is likely to suffer a loss if
this litigation continues.
Defendant's general denials that the damages are incorrectly
calculated is not a basis to deny Plaintiff judgment as a matter of
law. Default in an action of mortgage foreclosure is an absolute.
Once default under the terms of the mortgage has been established, the
court must enter judgment in favor of the holder of the mortgage. The
question of accounting is saved for another day, specifically, after a
Sheriff's Sale of the Property. The Supreme Court of Pennsylvania held
in Landau vs. Western Pennsylvania National Bank, 445 Pa. 217, 282
A.2d. 335 (1971):
The mortgagors are unquestionably entitled to an
accounting, but that accounting is not due until
the property is sold at Sheriff's Sale and
distribution of the proceeds is made. Judgment in
mortgage foreclosure action must be entered for a
sum certain or no execution could ever issue on
it. 445 Pa. at 226, 282 A.d. at 335.
This Supreme Court decision directs a court to enter summary
judgment in favor of the plaintiff/mortgagee where the
defendant/mortgagor admits the default upon the mortgage. Landau vs.
W. Pa. Nat. Bank. 455, Pa. 217, 255-266, 282 A. 2d 335, 340 (1971).
Moreover, Pennsylvania Courts have long and repeatedly upheld the
reasonableness and enforceability of a request in an action of mortgage
foreclosure for attorney's fees equal to 5t of the principal balance of
the mortgage as demanded in Plaintiff's Complaint at paragraphs 6 and
7. Robinson Va. Loomis. 51 Pa. 78 (1865); Galligan vs. Heath. 260 Pa.
457 (1919); Foulke vs Hatfield Fair Grounds Bazaar. Inc.. 196 Pa.
Super Ct, 155 (1961); First Federal S&L Assn, vs. Street Road Shopping
('enter, 68 D & C 2d 751, 75 (Bucks County) (1974).
Additionally, as further explained in Paragraph 7 of Plaintiff's
Complaint, the attorney's fees demanded in Paragraph 6 of Plaintiff's
Complaint would only be collected in the event of a third party
purchaser at Sheriff's Sale. The Defendant continues to have the
option of paying all arrears and costs up to one hour before the
Sheriff's Sale in conformity with the provisions of Act 6 in which case
attorney's fees will be assessed based on work actually performed.
See. Pennsylvania Act 6 of 1974, 41 P.S. Section 401 O t. seg.
Plaintiff is entitled to be reimbursed for its reasonable and
actual attorney's fees incurred. It is respectfully suggested that
should this Honorable Court find that the flat rate of 5t requested
raises a genuine issue of fact, summary judgment be granted Plaintiff
as to all issues except attorney's fees. Certainly, with default
admitted, it would be unfair and a waste of this Court's valuable
resources to conduct a trial in this matter if the only issue of
genuine fact is the demand for attorneys fees.
Defendant invokes Pa.R.C.P. 1029 to generally deny paragraph 8 of
the Complaint as to Plaintiff's compliance with Act 6 and Act 91. This
denial is insufficient as a matter of law. Defendant moves on to deny
paragraph 8 of the Complaint by stating the required Act 91 notices
were not received. This denial is insufficient, as Plaintiff did not
aver that Defendant rpceived the Act 91 notice. Plaintiff complied
with Act 160, averred that fact in its Complaint, verified that fact
under penalty of perjury on two occasions and attached copies of the
Act 160 Notice to its Complaint. The required Act 91 Notice was sent
by Plaintiff on July 13, 1999 (Ste, Exhibit A of Complaint). Any
implication that Plaintiff did not follow tha procedures set forth in
the Act is totally without merit.
III. CONCLUSION
All material averments of the within motion are verified in the
attached signed and sworn affidavit pursuant to Pa.R.C.P. No. 1035.
Defendant cannot simply rely upon the averments of the Answer to raise
an issue of fact. Phaff vs. Gardner. 451 Pa. 146, 303 A2d 352 (1973).
Accordingly, Defendants answer admits all material facts, there are no
issues of material fact and the Court should grant Plaintiff's Motion
for Summary Judgment.
BY:
Respectfull submitted,
GOLDBSCK/ AFFSRTY & MCKSSVSR
KRIS?1NAW.jMU1jM, ESQUIRE
i i
?t'k i2
.
GOLDBECK MCCAFFERTY & MCKEEVER
JOSEPH A. GOLDBECK, JR.
Attorney I.D.#16132
Suite 500-The Bourse Building
111 S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
BY: KRISTINA G. MURTHA, ESQUIRE
Attorney I.D. #61858
Attorney for Plaintiff
AAMES FUNDING CORP.
P.O. Box 76930
Los Angeles, CA 90076
Vs.
RICHARD L. PICKBN
(Mortgagor and Real owner)
257 Roxbury Road
Newville, PA 17241
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY
No. 99-6517
Exhibit Lint
A Complaint in Mortgage Foreclosure
B Answer to Complaint
C Mortgage
D Note
GOLDBECK MCCAFFERTY & MCKEEVER
BY: Joseph A. Goldbeck, Jr.
Attorney I.D.016132
Suite 500 - The Bourse Bldg.
111 S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
Attorney for Plaintiff
AAMES FUNDING CORP.
P.O. Box 76930
Los Angeles, CA 90076
Plaintiff
Vs.
RICHARD L. PICKEN
(Mortgagor(s) and Real Owner(s))
257 Roxbury Road
Newville, PA 17241
Defendant(s)
aF.P1 RY r,FRTIFYTHATTHIS
I' ORRECTCOPY
welt. FILED
ATT IVV IA EY
VV
C'1 U) Q
IN THE COURT OF COMyRPE? PIASAS
frIIT .,,•1 . 7?
OF CUMBERLAND C613N?I'Y r,3 ?• !j'??t c3
CIVIL ACTION
:ACTION OF MORTGAGE F01f1i?tLLOJR4
Term
No.
199 X 517
CIVIL ACTION: MORTGAGE
FORECLOSURE
THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTIN
TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION
OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF
COLLECTING THE DEBT.
o Ic
You have been sued In court. If you rash to a e age net the claim sec torch In the entering pitta,
you neat take action within twenty days otter the Complaint and notice are defend, by entering a written
claim ma met by attorney y and !113th In writing tint with th the court your defenses objections to to the
clal set t forth th n aude You are warned that If you 411 to do no the ease cony proceed ed without and a
sa
or you In the
fy be entered against you by the Court rt without further notice toe any aunty elaleed In the Complaint
or for any other claim or telfat requested by the Plaintiff. You nay lose money or property or ocher er rights
rlght
important to you.
YOU SHOUID TASK TRIG PAPER 70 YOUR LAWYER AT ONCE. IP YOU DO ROT NAVE A LAWYER OR CANNOT AFFORD ONE,
00 70 OR TELEPHONE 7712 OFFICE SET FORTH SEWN 70 FIND OUT WHERE YOU CAN GET LEGAL HELP.
Cumberland County Bar Association
2 Liberty Avenue. Carlisle. PA
(200) 990.9308
Legal Services Inc.
I Irvine Row, Carlisle, PA 17011
(717) 243.9400
VAT O
LE RAN DDVJMADD A US', IN U COSTS. Bi DSSS71 DEFOIDERRS COMM LAS UUWAS PERESSRTAMS, IS
ABSOLUTAMENTI NICRSSARIO OUR USTED RRSPONDA DEN:RO DR 20 DIAS DRSPURS DO SER SERVIDO CON ISTA DOWMA Y AVISO.
PARA DI?RIDERSI IS NSCESSMIO OUR USTED, 0 SU AWaADO, MISTER CON LA CORTE EN FORMA E8CRITA, IL PUN70 DR VI6TA
DR USTED Y CUAIDUIIR OWECCION COMM LAS OU&7A8 EN ISTA ODWMA.
RECUERD6, ST LISTED NO REPONDE A BETA DSMAMDA, BE MDR PROSECUIR CON RL PROCEED SIN SU PARTICIPACION.
ElTIONCRS• LA CDUTI PUSDR. 610 MOTIFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y REOUERIRA OUR USTID CUMPLA CON TOMS
LAS PROVISIONER DR EOTA DRIWIDA. FOR RATDN DR BSA DECISION, EB POSSIBLE DUE USTID PUBDA PERDER DINSRO. PROPIRDAD
U 07206 ORRECHOS IMPORTAWTIB.
LLRVR BETA DEMANDA A UN ASOOADO IMMEDIATAMtNIR.
SI NO CONOCR A UN ADOORDO, LIMB AL -LAWYER REFERENCE SERVICE' ISIRVICIO DR REPIRENCIA DR ABOOADOS).
215.228.6100.
Cumberland County Oar Aasoelatlon
2 Liberty Avenue, Carlisle, PA
(800) 990.9102
Legal Serviced Inc.
I Irvine Row, Carlisle, PA 17011
(717) 241.9400
EXHIBIT A
COMPLAINT IN MORTGAGE FORECLOSURE
1. Plaintiff is AAMES FUNDING CORP., P.O. Box 76930, Los
Angeles, CA 90076.
2. The name(s) and address(es) of the Defendant(s) is/are
RICHARD L. PICKEN, 257 Roxbury Road, Newville, PA 17241, who is/are
the mortgagor(s) and real owner(s) of the mortgaged property
hereinafter described.
3. On June 15, 1998, mortgagor(s) made, executed and
delivered a mortgage upon the premises hereinafter described to
AAMES FUNDING CORP., which mortgage is recorded in the Office of
the Recorder of Deeds of Cumberland County in Mortgage Book 1463,
Page 7. The mortgage has not been assigned. These documents are
matters of public record and are incorporated herein by reference
in accordance with Pennsylvania Rule of Civil Procedure 1019(g).
4. The premises subject to said mortgage is described as
attached.
5. The mortgage is in default because monthly payments of
principal and interest upon said mortgage due May 1, 1999, and
each month thereafter are due and unpaid, and by the terms of said
mortgage, upon default in such payments for a period of one month,
the entire principal balance and all interest due thereon are
collectible forthwith.
6. The following amounts are due on the mortgage:
Principal Balance $ 85,557.13
Interest from 4/ 1/99
through 10/31/99 at 11.750% 5,866.02
Per diem interest rate at $27.54
Attorney's Fee at 5%
of Principal Balance 4,277.86
Late Charges 5/ 1/99-10/31/99 519.60
Monthly late charge amount at $86.60
Costs of suit and Title Search 560.00
$ 96,780.61
Escrow Balance
Monthly Escrow amount $
96,780.61
7. The Attorney's Fees set forth above are in conformity
with the Mortgage documents and Pennsylvania law, and, will be
collected in the event of a third party purchaser at Sheriff's
Sale. If the Mortgage is reinstated prior to the Sale reasonable
Attorney's Fees will be charged based on work actually performed.
8. Notice of Intention to Foreclose and a Notice of
Homeowners' Emergency Mortgage Assistance has been sent to
Defendant (9) by Certified and regular mail as required by Act 160
of 1998 of the Commonwealth of Pennsylvania, on the date(s) set
forth in the true and correct copy of such notice(s) attached
hereto as Exhibit "A". The Defendant(s) has/have not had the
required face to face meeting within the required time and
Plaintiff has no knowledge of any ouch meeting being requested by
the Defendant(s) through the Plaintiff, the Pennsylvania Housing
Finance Agency, or any appropriate Consumer Credit Counseling
Agency.
WHEREFORE, Plaintiff demands judgment in mortgage foreclosure
the sum of $96,780.61, together with interest at the rate of
$27.59, per day and other expenses incurred by the Plaintiff which
are properly chargeable in accordance with the terms of the
mortgage, and for the foreclosure and sale of the mortgaged
premises.
By:
GOLDBECK c McKEEVER
BY: Josep A. G ld k, Jr., Esq.
Attorney for Plaints f
L
Nt
tr.
NDV 16 '98 132:W M GDLDSEO( MCCAFFERTY (215)627-7734 P.2/2
MDT. ICATION
r' S as the representative of the
Plaintiff corporation within named do hereby verify that I am
authorized to and do make this verification on behalf of the
Plaintiff corporation and the facts set forth in the foregoing
Complaint are true and correct to the best of my knowledge,
information and belief. z understand that false statements therein
are made subject to the penalties of 18 Pa. C.S. 4904 relating to
unworn falsification to authorities.
r
Date:ic: (y-5 I -5-
exnlna %-
1 R ACT NU. 1:
A I.I. THAT CtRTA1N vest of land usuere In Lower MHnin Township,
CUmhenwn/ County. Pmnsylvwda. u shown one Survey Ter Ilan S. I'Mor, prepserl by
Thulsua Alvin NOR, Registered 3waeyw, bmeWsd uw 4luerIbw ee follows. N wit:
bto1NNINo in dW delta ef).e`ishnire Route 21001 as she Seuthwon tamer •f
t0a baelndcxrbW lKemkee; TIIONCR ker{ue 64141 mad
enhJ ereesio6 warn boa pin IU fen
Rom 1M« ntaofWJrowl,NeMC6de8nelg0mlmunWest,200.00feNbnironp;n;
THENCL N0M 42 degrees 20 minalee Eaµ 200,60 rmo b 10 kn Pin" THENCE SOUK K
deprst 4O, I=! Ilels. 200 fell b a appe, having PalaW
curvet of over n hen pfd 20 fees (tam the
degre« e 211 dJ Mad; Well, 20: T1IGNCE0i .00 s 0'W .long IIW molar of old LcilalatlYa Haute 21001. South 47
f«I b Ibo 1e(m of OLC(NNMO.
TRACT No. It
A1.I. TIIAT CZRTA1N %al of 1eW giNUa In Lw Mu
CumbtiUM Coumy, pemvylnn4, ba,lWrd end dnas3WPUlaamnb ¦ Sllin in"T byuawTbn,hlpute A.
Nell, Regklered Snnvayor. dated Augual 22, 1977, kW approved by 1M planning Co moboion of
CumberlaW Ceunry fn 1975, a folkrva:
HR,CINNINC al a spike In the caret of Penuylvenle 1110 lway Roues NIL 744
(also Itmhwn a LR. 210nl) al uw w ofodw IoW mw or IMe of 0um 3. ?larenett U. leaner;
T HENCE by the stria o( JAW Road. South tl dopey 20 stnlrU cs West. 2V lka to a spltr,
'T11tNCR by Will now or late of William 0. VA Anna S. Fkha, Nosh 86 dctrea 40 inloala
Wall, 2[0.62 fedd to an Iron Pin; THENCE by the none, Nartlr 76 depea 20 odnrna watt,
713.64 feel ill n Iron Pin: THENCE by Oho game, Nor" 43 dc[rna 20 mliaita Fe 1.21413 foe
In 34111e1111, r n; 71IRNOro jIN ?SoN46 deQen 40 comma Rest. 66p.00 Ra to a 00h, In
public 'Pere".. THENCU IT rho center of old load. South 43 deb ea 2n
111"un e0' West, UO feel to a spike: THENCE by uW other law mnr os Lte of Uem 3, out
F
lonvwo C. NOW. North 46 degrees 40 minutes Wesel. 200.00 fat b nl kon Pin: THENCLr by 30
the
wo"
.00
10 so :;oath 40 drCreee • mb ,,, Zell. 200,00 Ike tba plus of Oto1NN1 OENCII by 1M eemr,
F,)ICRFTINC THLRQFROM AM TTIAT CUTAIN piece wpatnl of IoW
lying, sane seal beln8 k, she Tuerwhip of Lewer W"Un. County of curebesand, MundW and
dswrib.d u fellone, to wit:
EECINNINf21n cemaLot of Sun Reua 997 at n niatin0 Parka Kalms nail;
thwuv nhuh8 «nterl;rW of PA 997 South fony.Ihrn
Ulna9) Wea (47) 1161110 dslnyOnt (31) illnesses, IhIRy
spit.; ; thence nsncee alwig luo snaru,W hundred 0'814 and shirtynbac hundredths (108.39) fell to o railroad
l 82 now o0' fwmety of Richard Pkkeo, of which this lot was fnrnwly a
Pot. North fany.nla (46) depm Whq..alne (39)minna thbty.oM (71) aeennhh Wes line
hundred une and nevn,syeighl hundredth$ (701.71) feel,lo sei stun pits; sbn« continuing ahnq
'frx182 Nonh forty-t" (gj nyoee (21) m6Ac, ddny.n 0(39)0,w Peat and
hsunlrnl et[M
in A, and Win sine hdt (101.79) fan b an ion
furnerrly uffulvt l t Wy[b Sown rMyaia (46) de pits. dente alone ludo new or
eecanis Rut three humlred one and scvcnt .cl pea tldsyniel (79) mbwth Nlusor f21)
beginning. y 1Al hvakpkla 001.78) feel to the plus of
0 V, NU hie wife" by bet eon Mud of the 29.a19901W wbleh) osselh H' Fkbse MW Muy K Fisher.
Cumberland I,,, March 74 199n in I)#Ml Ronk 74 ? a ?rqe In Nee County of
Richard L Plcken and Ekw"a R. Fideq We WIfR In Tea 210. Knurled and emveyW nob DRIN listed October A
17. I S 6 and f aol a seem FRmlace whkb FJcvw R. Pkken, by qu11.CWm listed
Pickett. Don81 49, ?g[e 479 quit dtimal until Richard (.
y?
nun
EXHIBIT A
July 13, 1999
r; i'•
ACT 91 NOTICE ,Y
TAKE 'ACTrION , TO.?SA.VME?..? iOUi?•.?I
HOME FROM FORECLOSURE
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECCA SU DERECHO A
CONIWUAR ViVIENDO EN SU CASA. Sl NO COMPRENDE EL CONTENIDO DE ESTA
NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA
AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO
MENCIONADO ARRHIA. PUEDES SER ELEGHILE 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 REDIMBZ SU HH'OTECA.
Richard L. Picken
257 Roxbury Road
Newville, PA 17241
LOAN ACCT. NO.: 4477049
ORIGINAL LENDER: Aames Home Loan
CURRENT LENDER/SERVICER: Aames Home Loan
Mailing Address: PO Box 76990, Los Angeles, CA 90076
Aames Home Loan 050 S. Grand Avenuo
17th floor
Los Angeles, CA 90071
This Notice contains important legal information. If you have an
Y any questions, representatives at the . .
Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an
attorney in your area. The local bar association may be able to help you Fnd a lawyer.
Page 2 of S
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
i.,, 11,x':
IF YOU COMPLY WITH THE PROVISIONS OF TIIE HOMEOWNER'S EMERGENCY MORTGAGE
''
•ASSISTACE ACT OF 1983 (THE "ACTS, YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
».,... ASSISTANCE: ...K,.
• IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES B13YOUND YOUR CONTROL;r^!'
• IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE
PAYMENTS, AND
?p!.n,•IFtli?YOU.I,;;MEBTYNr:O?iER?YJ$?I(3IHH,I?'?Ij?QIJ)INT$/pj$?cD.?AI#G?HD$116BY ;
PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE-Under the Act, you are entitled -to -a temporary stoyjof044*V-•. I
foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you mu!Q;?f
arrange and attend a "face-to-face" meeting with one of the consumer credit counseling ngenoifs listed ii(0' y. ` A
end of this Notice. THIS MEETING MII.ST Ar rTrR IVTTMN "vrr mv%-r' iam n.vc .c vnr? * .. ?_
CONSUMER CREDIT COUNSELING AGENCIES-If you meet with one of the consumer
counseling agencies listed at the end of this nolicc, the lender may NOT take action against you for thirty
(30) days after the date of this meeting. The names. ad and telcrohone numbers of desianafed", •'
his Notice, It is only necessary to schedule one face-to-face meeting. Advise your lender
your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE.-Your mortgage is in default for the reasons set
forth later in this Notice (see page 3 for specific information about the nature of your default.) If you have
tried and are unable to resolve this problem with the lender, you have the right to apply for financial
assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out,
sign and file a completed Homeowner's Emergency Assistance Program Application with one of the
designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit
counseling agencies have applications for the program and they will assist you in submitting a complete
application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked
within thirty (30) days of your face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO
NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE
MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR
MORTGAGE ASSISTANCE WILL BE DENIED.
Page 3 of5
. ,...»..?e..,•.w..,w.vua+...•.>_?,. .., _t...n ....... ... ...N.....rMeo..r?,w n...-r. q... n;.
o,
AGENCY AMON---Available funds for emergency mortgage assistance are very limited. They will be
disbursed by the Agency under the eligibility criteria established by the Act The Pennsylvania Housing
Finance Agency has sixty (60) days to irtdliera''deiidd°NftYrr`•it ic?ccivb's'yfiYf?"'AIlcta"Gori: Diuid?"th5t time, no*,
+
foreclosure proceeding will be pursued against you if you have met the time requirements set forth above.
You will be notified directly by`rthi Pennsylvania: HousingFinance Agency of its decision on your
application. w * H n t?vsrr+?.r,. rrAu,::na..? .....,,,.,,,rti.5? .s• wu.,..., tK.
NOTE: IF YOU'AREOURRENRtIt oPROITGMD BY4HE FHsINO'OF•AVETiTION 1Nws*•• .+ ,• yam::.. -
BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES
" ONLY AND SHOULD NOT BE CONMMM 745'ANNA'ITI'EMRTtfO'C;OI:LEaTAcnm: DEBT.' 4- u.H 1i,
Of you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.)
'Y.)•eY? ? /S,i!!S Sl;.u% l?'i? ?'TiN?i,??'?"+h?F+?71.+uar•*1??v?U.•?? *.,:?y
B:OtY„TO-CiURE,CO. M0 E1EFAULTfB?Inii fiiolndafe0:t
?h !8!!N'^.'+ IS SERIOUSLY IN DEFAUf9I c`A ?" ! ` 1!N Jy'91N 1406aR? H!.r
i,.ti...
A. YOU HAVE N& MADE THE Iv?ONTHLY MORTGAGE PAYMENTS for'the ft
the following amounts arc,now past due ,
Uescri°tion Amount iluc
Monthly Payments of 5866.07 per month arc
due from 05101199 to 07/01/99. $2,598.21
Late charges of 586.60 per month arc due
from 05101199 to 06101/99. $173.20
Uncollected late charges $346.40
TOTAL AMOUNT PAST DUE:
$3,117.81
itY(Gr.
IRS`,
I
t
Page 4 of
.,.
IOW
thus notice c c C BY PAURE THE DFFA T---You may cure the default within THIRTY (30) DAYS of the date of
YING THE TOTAL AMOUNT PAST DUE TO THE LENDER,
53,117.81, PLUS ANY MORTGAGE PAYMENTS THE THIRTY (30) DAY PERIOD. 7S AND LATE CHARGES WHICH BECOME IS ?.'•K+ih.
e?m'I rents must be made ciher by cnc6 ' ME DUE
csrtif??monevord de a c and s c ecir
ro
AAMES HOME LOAN
A 350 South Grand Avenue, 43b Floor 7`Of(?BYP?
Los Angeles, CA 90071.
rA V^T. n....... '
the date of his Notice, the leuder Intend
?a means that the entire outstanding balance
ii` he chance to pay the mortgage in montlil0
made:tuk6r.:trurn?,?.,_.. . __
do not cure he default within : ''
S of
iswill be considered e Its ri hts to accelerate the mart eOd btYThis
due
ts, if full mrmediately and you may lose ?•.
Payment of the total amount past due is
- --?... ttwak4 imtructrjt t(pYtfly§'ll2{ 2 31 not F HEMORTGAGE IS FORECLOSED tPpmortgaged property ~ `? ???• ?5}'t' '
PAY off he mortgage debt. I
h f he lender refers your case to its you athe sold u the sheribeforei ,t""
e lender begins legal proceedings attorneys, but ou c
against you, you will still be required to pay he reasonable attorney's i
have to '
fees that were actually incurred, a to 550.00. However, if legal proceedings are started against you, you wile %,+ '
'??
PAY all reasonable attorney's fees actually incurred by the lender even $SO.OO; wi
attorney's fee will be added to he amount you owe he l if they exceed
costs. ithiu the D will -„
ender, which may also include other
f ou ore the default THIRTY f30
torn ' reasoha`blc
at torn s fees AY neried
OTHER LENDER REMEDIES
The lender may also sue u ct4;R"itCl.<' and all other sums due under the mortgag,,.. yo
personally for the unpaid principal bal a 'f }r..?•;
HT TO f41RF THE ^co r i PRiOR TO SHERIFF'S SAi F_.
within the THIRTY (30) DAY If you have not cured the default,
the default and orcve?t the salve ??anvnH forcdoswe proceeding have begun, You still have the rinhe
the manner set forth in this notice wiU restore your mortgage to the same position asuif you had never
defaulted. Curing if default in
EARLIEST 41 POBE S=SALF DA
Sheriff's Sale of the morta ed ro - -it is estimated that the earliest date that such a could
be held would be date of this Notice. A notice of he acttuual date of he Sheriffs Sale will be sent to you)bemforc months m he
course, the amount needed to cure the default will increase he longer you wait. You may find out at any time . of
exactly what the required payment or action will be by contacting the fender.
Ir
Page 5 of 5
HOW TO CONTACT TILE ENDFR
,,? ?•7m
1^wf }N
Aames Home Loan t ?.
Camp Hill Branch
214 Senate Avenue Suite #600 - - -
.'' '&inp Hill, PA 17011
Phone Number: (717) 731-1010
Fax Number: (717) 731-0909
Contact Person: Robin Blazina
?'Y±aer.;+r.. . , ... , , ti , .. _ r eM::•»:rr+ntser?p?l/'-'f
EFFECT OF SHERIFF'S SALE---You should realize that a Sheriffs Sale will end your ownership'of the
mortgaged property and your right to occupy it. If you continue to live in the „ r.
property after the Sheriffs sale,
01 KpOohp lawsuit to remove you and your f imishings and other belongings could be started by the lender attahy timbXk- 71Fe.
1&iw"Oik - . . 1 9-. .,d!Hea J. ,...e.,e .._ ,K.:..,..... -,.-_? -.. ..'a_!. :Y7•a?'1:ST•W_xi•J. . !tL,4
wilt assume the mortgage de b4 provided that all the outstanding .p"; ntstrchargesd
?, costs are pmd pri or to `or ai'(he' lean'l'h't}ie other requrr??nen"ts of t}ic frior?go"g 7°are°FatiSfied ' r , • 1
14M`?1'..t.• i.?. .. ,... }tr.;., YgY?µtcj,:two..){,•..y,1+44,.-•.y,..:.`.ti!:q(ysH't'A;Y?N;SL.t'I?Sij ?14$'?1'?r?D1d5•Ih?•?
YOU MAY ALSO HAW, THE RIGHT . iaT: i.•r
• TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT O - Y
J' pp? NP'.*
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS• 1)EBX t(t? f t.l,
• TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEH
..? ..
•a'•w.?• ,.., ....,?.,...
• HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAUUf?
OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT. -
CURE YOUR DEFAULT MORE TITAN TIIREE TIMES IN ANY CALENDAR YEAR.)
• TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR
ANY OTIIER LAWSUIT INSTTTUTED UNDER THE MORTGAGE DOCUMENTS.
• TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY
THE LENDER,
• TO SEEK PROTECIION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY
(Please see attached paeefs).)
Special Assets Department
Christine Luna
(800) 805.6515
Team B
.t
,T •J
i
' ^ J .., 1 ^';Kl!!y/•i?.i'a??•': V 't.•d;'.t' "Lt^fNtj'?'r(???"r"t••,?•:
.', .?.,v t tV)'}:4^C.Iwi•r. ?, .k .... ?d('It;„.: ^/L,J ?.tiSi:J,1'iy?.: ?.. '
i >. ./y •}". .?.?{. •.^??A. 'r./_i ??w ,y.= t? {iJ M?wr..?/..?..?/? r}•'] \./e L_.?... ..
.. :. ?? .. a (: t •t
. :' 1: t
A
`dr'.l a,•,•r{j('yi C?". yHr`a:;iv
'. 1 IItJ•Y.
gt pp ^
?•. ?.??.
`
`2?$
i
? u??•a.ipmwl
t"-r?L".."'.'tom
{? ?
.
dt
•
. .
r J. e'
yj
----- --------------- ------
?W 1;yt 1 t
i
}Yt 11IY
lbdLI VdTnIAM3N
avow AHnexod LSZ
N3NOId'iwnaHVHOI!!
rid sn
hag hLa 2hi Z ,
-A
• St
+e. , c
-C lti
4)
1t ?'
"?P
'AC) W. S:,:S,ia' •v?f i??!•7 ti -` `sri
MN..:,fy. _•f tv ..n t *' .,'? i r? ?.;.l,?l`I?'•?rYGv?.t(;',tti +?.r::*::'
rI c,..• 1 +,'(?!?!i J•(+[.?4• - +. w
.°++i: L'rC.Y?}'t :?ti•?"?k.:. ?•':'.,'i?3? :..tit??+•t,"??r{i?tl1A4N 'it:?.Si wf7?.?..i f'tr.7YL+"K'?S,13?'?ti"+.A"?R•ir±•.t,,:
.:: t,.7 '/?•t5'tiC. ,.'?..? - a.il?tlf"d4:lT??'!N .+ ... ?y.^.".Jty:::r'i't'<ist't1y',,11µ1r?„??$?'•G'k G:?•:?`?JJ
ca ? .:'? .'f 1iV..?. t; J,.: ... '..?'tiaiN?'?(+t i4',^7n•.Q:,.: k» I.w:u: l'e::: ??y. ?lG?tit?'j?Mvi'w.4M
? JI':iw??l+..,.. ?..rr .. .:rl*Rii ('}t1,A•M}R1rrF????. :a. •'??9' .r.,a: .•Or (•/d eat;
?,?,?a ,eel,,( ( ti
.. ^..%'MUy'Y;t.uf:•7:141t'..' - ?Ct+7+'a?t+10? .:. ? ?.'r 'tit., , • `fy?.r?'t.j-k'i. ?l +.t1? t': t 3 f
. .. ,, w.•n+YY,?trr.el" •'. SRfn!AJ.?xX..µr?,t::.. +.. X+"
t Z 142 074 804
usPoswswoto
0004477049
RICHARD L PICKEN
257 ROXBURY ROAD
NEWVIL E PA 17241
AAMES FUNDING CORP.,
Plaintiff
V.
RICHARD L. PICKEN,
Defendant
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
NO. 99-6517
CIVIL ACTION - LAW
MORTGAGE FORECLOSURE
DEFENDANT'S ANSWER TO PLAINTIFF'S COMPLAINT
AND NOW, comes Defendant, Richard L. Picken, by his attorneys,
Freeburn & Associates, and files the following Answer:
1. After reasonable investigation. Defendant is without knowledge
or information sufficient to form a belief as to the truth of the averment
contained in this paragraph, and strict proof thereof is demanded at the
time of trial.
2. Defendant admits that he is Richard L. Picken who resides at
257 Roxbury Road, Newville, Pennsylvania 17241. Defendant also admits
that he has a mortgage on his real property. Defendant incorporates herein
by reference thereto his answer to paragraph 1.
3. After reasonable investigation, Defendant is without knowledge
or information sufficient to form a belief as to the truth of the averment that
the mortgage has not be assigned.
4. Admitted.
5. The mortgage speaks for itself.
EXHIBIT B
6. After reasonable investigation, Defendant is without knowledge
or information sufficient to form a belief as to the truth of the averments
contained in this paragraph, and strict proof thereof is demanded at the
time of trial.
7. After reasonable investigation, Defendant is without knowledge
or information sufficient to form a belief as to the truth of the averments
contained in this paragraph, and strict proof thereof is demanded at the
time of trial.
8. After reasonable investigation, Defendant is without knowledge
or information sufficient to form a belief as to the truth of the averments
contained in this paragraph, and strict proof thereof is demanded at the
time of trial.
WHEREFORE, Defendant, Richard L. Picken, respectfully
requests that Plaintiff's Complaint be dismissed with prejudice and
judgment be entered against Plaintiff and in favor of Defendant, together
with costs of suit.
Respectfully submitted,
FREEBURN & ASSOCIATES
By:
Rich rd E. Freeburn, Esquire
I.D. No. 30965
4775 Linglestown Road, Suite 200
Harrisburg, PA 17112 a
(717) 671-1955
Dated: 11/24/99 Attorney for Defendant
2
VERIFICATION
I hereby verify that the statements in the foregoing reply
to new matter are true and correct. I understand that false
statements herein are made subject to the penalties of 18 Pa.C.S.
Section 4904. relating to unsworn falsification to authorities.
Dated: ?/10
RIC L. PICKEN
?.i
I hereby certify that a true and correct copy of the foregoing
Answer to Plaintiff's Complaint, has been duly served on the following
this 24th day of November, 1999, by placing the same in the U.S.
First Class Mail, postage prepaid, at Harrisburg, Pennsylvania,
addressed as follows:
Joseph A. Goldbeck, Jr., Esquire
GOLDBECK MCCAFFERTY & McKEEVER
The Bourse building, Ste. 500'
111 S. Independence Mall East
Philadelphia PA 19106
BY: \I Y?
Richard E. Freeburn, Esquire
Attorney I. D. #30965
FREEBURN & ASSOCIATES
4775 Linglestown Road, Suite 200
Harrisburg, PA 17112
(717) 671-1955
Dated: 11/24/99 Attorney for Plaintiff
I.M,IM ?/,/WI V I'w
UPON RECORDING, PLEASE
r ATTN: COLLNATERALC0NTROL10EPT.l
AAMES 950 S. GRAND AVE., 47TH FLOOR,
LOS ANGELES, CA 00071
L J
Span Above This Lin, For Rsconana Data
MORTGAGE
THIS MORRTTGA$?EE6L ge u[i?v Instrument') is given on Fifteenth rlav of June, 1998
The mortgagor is IC_HAR. ?ICKEN seta owner Harrower').
This Security Instrument Is given to Aamos Funding Corporation, which is organUad and exitlnp under Ilia laws of
California, and whose address is 950 S. GRAND AVE. SUITE 47. LOS ANGELES CA 90071
Lender' . Burrower owes Lendar the Officinal sum of ___-
falls uuut is uvidenced by Bonower's note dated the soma data as this Sacwily Instrument 111018'), winch
pruvldus for monthly payments, with the lull debt, it not paid u,mltat, due and payable on 01/011202
Tbls Security Instrumenl socures to Lundur. (d) Ihu repayment of The dub, evidenced by te Note, will) Inhuosl al
u told set lorth therein, and all renewals, extensions and modifications or ilia Note; (b) ilia payment of all other
bums, with Interest at a ralu which may vary hom time to time, advanced under pardipaph 0 to protect Ilia b"cunly
of this Security Inshununl; and (c) Iho performance of Butrower's coveoanls and agreements under this Security
Inshumonts and Ilia Note. For this purpose. Borrower does horeby mortgage, grant and convoy to Lander that
following duscribed prupody located in CUMBERLAND COUNTY
Commonwealth of Pennsylvania:
-- II this line is checked see Schedule A annexed hurolo and made a pan hereof.
which has the address of 257 ROMMY ROAD NFWVILLE
Ave. Pennsylvania 17241 ('Property Address');
tern.
See Exhibit A
TOGETHER with all ilia Improvements now at hereafter erected on the property, and all easements,
rights, appurtenances, runts, royallias, mineral, all and gas rights and profits, water rights and block and all
lixturus now or hurealtor a pad of ilia Property. All mpfacum finis and addilluns shall also be covlood try this
Sociality Inslruniont. All of the Iutegaing Is retorted to In Ibis Security Inatrun.ant as ilia 'Propoily.'
BORROWER COVENANTS that Dunuwur Is lawfully sullied of the ablate hereby convuyud and has Ilm
right to mortgage, grant and convoy Ilia Piopany and that ilia Iltepony Is unancumb"ted, except for
uncumbrancos of IOLDId. Ba110WItr warrants and will defend uunuially ilia hilu to thu Property againsl all claims
mill dununds, subject to Italy uncumbiances of record.
Borrower and Lender covenant and agree as follows:
1. Payment of Principal, Interest and Others Charges. Subject to paragraph 10 below, Bonuwer shall
promptly pay when due Ilia principal of and interest on Ilia dual evidenced Ly the Nulu and any late chatuus,
LolluLdun costs arid uxpenses, and dishonorud check Lhargus as previdud in the Note.
2. Application of Payments. Unless applicablu law ptovidos olhotwise, tender will apply each
U41feWat's paymunls under the Nnle lirsl to accrued and unpaid Intarusl under nn" Note to Ilia del" of payment
and Iho ternabldu4 If any, to thu upaid principal bafancu under Iho Note. Any late charge, dollection costs and
uxpuusus, dishonorud cbaLk Lhmgus and payments made by Linder to enforce Ilia Note and or to proluct
1 uudut's lutuiusta under this Security Instrument will Ina added to ilia principal to Ilia axiom permitted by law.
9. Prior Movigaues; Charges; Liens. Uouuwur shall pay as taxes assassmenls, rhar0us, tines and
impositions alldbulaldu It, Ilse flioputly which allay anaill pllorily avur Illis Sucudly Irlahumenl, amd loos"Imld
paymunls of pound runts, it any. Uonowur shall pay thaw ubligalinns on bmu dirudly to the puisoo owed
payinunl. Borruwer shelf promptly furnish to Lundol all uulicus of amounts W be paid under this paragraph, and
rucuipts ovidoncinu such payrnenls.
Bunowor shall luumplly discharge any lien which has piiotily over this Security Instrument unless
Uununal: (a) auluus in willing to Ilia paymunt of llte obligation sucolud try Ihu lion In a ulannbr acceptebtu In
I uudm; It)) cordusls in wild Will Ihu lien by, or defuodb against unlucumenl of ilia lion in, legal prucuudmus
wh,Lll hl llte I u nlul'a uphrull talmral4 to pt"vunl the rndmmmumlt of Ilia Ilan; ur (c) snl.uab lion, lite hold 0Ilia
I'do"I EXHIBIT7C
lion an agreement satisfactory to Lender subordinating the lien to this Security Instrument. It Lender determines
that any part of the Property is subject to a lion which may attain priority over this Security Instrument, Lender may
give Borrower a notice Identifying the lion. Borrower shalt satisfy Iho lion or take one or moru of the actions But
lorlh above within 10 daylo of the giving of notice.
4, flaaud or Properly Insurance. Borrower shall keep Ilia improvements now existing or hurtrafter
efoclod on Ilia Property Insured against loss by lire, hazards included within Ilia farm 'extended cuvaragu' and
any other, including floods or Hooding, for which Lender requires Insurance. [his Insurance shall be malntalnud can
Ilia amounts and for Ilia parlods that Lender requires. -file insurdneo carrier providing Iho Insurance 5111111 he
chosen by Borrower subject to Lender's approval which shall not be unreasonably withheld. II Borruwur fails to
maintain coverage duscribed above, Lender may, at Lender option, obtain coverage to prolucl Lendm'S mghls fit
Ilia Property In accordance with paragraph 8.
All Insurance polLaes and renewals must be acceptablo to Lender and roust Include a btandafd mortgage
clause In favor of and lit a form acceptable to Lender, Lender shall have the right to hold the policies and
renewals. 11 Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and follower
nollLaa. In Ilse event of less, Burrower shall give prompt notice to the Insurance carrier and Lender. Lander may
make proof of loss if not made promptly by Borrower.
Untoss Lender and Borrower otherwise agree in writing, insuanco proceeds shall be applied to
rabluralloo of repair of Ihu Properly damaged, it the rusloralion of ropai( is economically feasible and Lender's
seclully Is nut lussonod. It Ilia ruslurullon or repair Is not economically feasible or Lender's security would he
lessened, Ilia insurance proceeds shall be applied to Ilse sums seeutod by [his Socuuly Instrument, wbalhar or
not Then due, with any excess paid to Borrower. 11 Borrower abandons Ilse Properly, or does not answer wilhO 00
days a notice Irem Lander that Ills insurance carrier has offered to softie a claim, than Lender may collect Ilia
Insurance proceeds. Lander may use Ilia procouds to repair or resloru the Property or to pay sums secured by
MIS Security Insbumonl, whether or not then duo. The 30-day period will begin when the notice Is given.
Unless Lender arid Borrower otherwise agree in writing, any application of proceeds to principal shall not
extend or postpone Ilia duo datu of Iho monthly payments referred to lit paragraph 1 or change the amount at Ilia
payments. II under paragraph 17 the Property is acquired by Lender, Borowur's right to any Insurance policies
and proceeds resulting from damage to Ilia Properly pilot to the acquisition shall pass to Lander to Ihu exluni or
Ilia uunlu bucured by this Security Instrument imnadiately prior to Ilia acquisition.
S. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan
Application; Leasabutds; Condominiums; Planned Unit Developments. Unless Sonoww's loan applicalan
and Lender's loan approval provided that the Property was not required to be occupied as Borrower's principal
rusidunee, Borrower shall occupy, establish, and use Ilia Property in, Borrower's principal residence within 60
days shut Ilia execution of this Savorily Instrument and shall continue Its occupy Ilia Property as Dunowol's
principal rosiduneu fur at Idast one year shut Ilia ditto el Occupancy, urduss Lender otherwise agfeds In wminu,
which consent shall not bit unreasonably withhold, or unless extunuating circumstances exist which are beyond
BOrruwol's control. Burrower shall nut destroy, damage or Impair the Pmporly, allow the Properly to dbturioratu (it
commit waste on the Properly. Borrower shall be In default it any forfeiture dcllon us proceeding, whether civil u(
criminal. Is begun that in Lender's good Will judgment could result in forfeiture of the Pfopbrly of olhaiwhse
daterlaily inlphdr Iho lien created by this Sucoily Instrument or Landar's sucurity Interest. Bonowar may cure
51101 a dulaull by causing Ilia acllon or pioeoodinu to loo dismissud with a ruling that, lit Lender's gaud faith
dulunninatlun, precludes forfeiture at Borrower's Internal in Ilia Properly of uthef material inipalonent ill [flu lion
creulud by this Security Instrument or Londer'a security Interest. Borrower shall also Lo in default it Donowur,
Ilurino Ilia lean applicatluhl process, gave materially fallow or Inaccuralu information or statemunts to Lender (or
Iailud to provldo lender with any material Information) In connection with Ilia loan evidenced by the Note,
including, bill nut linhilud to, ruptobontallols concuinlno Burrowuis occupancy of Ilia Property as a principal
rubidanco. If Ihis Security Inslruinunl Is can a leasalald, Borrower shalt Lamply with all Ilia provisions at file le4bu.
It Bunowor acquirua Imo title loll e Property. Ilia teasel 1061 and Iho loo Will Shall 1101 nargu unless I under agfuua
Io Ihu rnoroer In wliling.
11 this Security Instrument is can a unit lit a condominium or a planned unit development, borrower shall
peduun all of Burruw is obliualionb under Ilse duds illun of covenants Loatino or oovrimin0 Ilia condominium
or planned unit development, Ilse by laws and reoulatiuus of Ilia condominium or planned unit duvolupootot mild
Lonstiruun[ documents.
6. Protection of Lender's Rights In the Property. It Borrower fails to perform tie covenants and
agreements Loniainud fit this Security Inblmnlem, at Ihure Is a luual pfouaeding that may alunilicanlly affect
1 antler's riulda In Ilia Piupaly (such as a proceeding in bankruptcy, pmbatu, for condurunatiun of lorluilura or to
unhauu laws us muuta[luna), Ilan Lundar may do and pay lot whatever is ndeesaary to Pfotact the value u11he
Viciously and 1 under's rights in she Properly, Loodur'u 4100115 may indisda paylno any sums secured lry a lion
which halo priority over this Security luslumunt, paying Insurance premiums, appeadng in wart, Pistilli
roabunabla atlonreys' fees and entering on the Property to make repairs. Allhouoh Lender may like aedun mwuf
this paraolapb 6, Lander dou5 not have to do so.
Any aniounts dibbon ad by I under audit paraoraph 6 shall boLi no additional debt of Bnnowur sutaaud
by this Security Instrumool. Unless BOrrowur and t undo alllea to upon tolmb at payment, these amounts Mull
too added to Ilia principal ul Ilia Note, boar interest train Ilia dale of diblauloumonl at Ilia rata than in dtfucl undw
Ilia Note Iron lime to this. and ohali bu payablu, will, hautebt, upon Ouli,,u mum LunJur to Bo iuwur nullmauno
pdyn,enl.
7. Inspection, l under or its aoonl may m4c reasonable entries upun and m.peetions of the properly.
I endur shall vivo Brarownt uutico at the little of O1 pour Its an ilhbpaLdun Linmaying masunabtu Lau;u fur she
ligluclluu
B. Condemnation. flit pncouda cal any aw,ud car claim I,d danmgus, d0uct at cunsuquadral, in
connuctiuu with any eunduni abun of other taking cal any pall or [flu I'lupudy, 01 101 cOrlvuyatae in Iwo lid
condmunalio0, aid l noby a•.blgnud and bhall he paid to 1 under ar„I appllad Its Iho arno l.1 but.lood toy this
SuLololy 114411 un aid. any uxcubs will Ian paid to lint purborhs lodatly onlhlkd lit d.
page 2
raj
r ,. .
It 1110 Property Is abandoned by Borrower, or if, after notice by Lander to Borrower [hat the condemnor
offers to make an awardor settle a claim for damages. Borrower fails to respond to Lender within 90 days Alto( the
date Ilia notice Is given, Lander is authorized to collect and apply the proceeds, a[ Its option, either to restoration
or repair of the Property or to Ilia sums secured by this Sucuflty Instrument, whether or not Ilion due.
Unless Lender and Borrower otherwise agree In writing, any application of proceeds to principal shall not
uxlend at postpone the due date of the of Ilia mobthly payments fuferred to in paragraphs I of chanuu Ilia
amount of such payments.
9. Borrower Not Released; Forsbearonee by Lender Not a Waiver. Extension of Ilia lime for payment
or modification of amortization of the sums secured by this Security Instrument granted by Lander to any
successor in Interest of Bonower shall not operate to release the liability at the original BelrOWer of BerlOW4d b
uuece6sora In Interest. Lunder shall not be required to commoneu proceedings allainbi any successor in Interest
or fufuse to extend lima for payment or otherwise modify amortization of the sums securud by Iles Security
Inslrumanl by reason of any dumand made by the original Borrower or Borrower's successurs In interest. Any
lorbuaranco by londur In exurdsing any right or remedy shall not be a walvdr of or preclude ilia exercise of any
fight or remedy.
10. Successors and Assigns Bound; Joint and Several Liability; Cadgners. The covenants and
agreumunls of If is Sucurily Inahumonl shall bind and bonolit Ilia successurs and assigns of Lender and Borrower
subject to the provsldns of paragraph IS(B). Borrower's covenants and egreumunts shall be joint and several.
Any Burrower who co•slgns this Security Instrument but does not execute tier Nolu: (a) Is c"llining this Sucurily
bistrumont only to mortgage, grant and convey that Borrower's Interest in the Property under the terms of this
Socially Instrument; (b) is not personally obligated to pay the sums securud by Ihia Security Instrument, and (c)
agrees that Lender and any tither Burrower may agree to extend, modify, forbear or make any accommodations
with regard to other tarnis of [his Security Instromun[ or Ilia Note without that Borrower's consent and without
thereby impelling [hat Borrower's obligations and liability Hereunder.
11. Loso Chargas. It the loan secured by this Security Iflstinmenl Is subject to a law which bola
maxlinum loan charges, and that law or regulation Is finally Inlerpreled so Ihal the interest or other loan shames
collected or to be collected in connection with Ilia loan exceed Ilia permitted limits, Ilion: (a) any such inlerust
and/of other loan charges sliall be reduced by the amount necessary to reduce Ilia Interest and/or other loan
ctmrges to the permitted limit; and (b) any sums ahoady cdlleclod hom Borrower which exceeded permitted
limits will be refunded to Borrowuf. Lender may choose to make [his refund try reducing the principal owed
under Ilia Nutu or by making a direct payment to Borrower. II a refund reduces principal, the induction will be
fiddled as a partial prepayment.
12. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by dulivering
it or try mailing it by 11161 class mail un:ess applicable law requires use of another nialtnod. The notice shall be
directed to the Propady Address at any Other address Borrower dusiunalas by notice to Lander. Any nolisa to
Lundur shall be given by last class mail to Landur's address staled hureln or any other address Lundur
ddsignatua by notice to Borrowur. Any notice provided for in lhis Socially Instrument shall be deemed to have
Lean given to Borrower or Lender wlon given as provided In this paragraph.
17. Governing Law; Severablllty. This Sucurily Instrumunt shall be, governed by federal law, Including
Ito Alluinalivu klodg30e Transaction Parily Act of 1902 and applicable regulations, Pennsylvania law and any
local law that applies In lhu place In which Ilia Property Is located. In the event that any provislon or clause Of this
Suwrily Inslrumanl or Ilia Nola confdcis with applicable law, such conllml shall not affect other provisions of this
Security Instrument or Ilia NOW which can be given effect without the conflicting provision. To Iles u lid Ilia
provisions of this Security Instrument and the Nola are dudaiad to be savor old.
14. Borrower's Copy. Borrower acknowledges receipt of phOlocupy or a conformed copy of the Note
and of this Secudyt lnslinment.
15. Sala of Note; Change of Loan Servicer. Thu Nola or a partial Inl lest tit Ilia Note (together wdh Ibis
uulonily Insltumood) may be sold are or nnur0 limos without prior notice to Borrowur. A said may result in a
shame in Ilia anlily (known as Ilia 'Loan Servicei') that collects mutithly payments dug under Iho Ilotu and
Sucurity Instillment. There also may be arm or more changes of Ilia Loan Servicer unrelated to a sale of Ilia
f lulu. 11 lhoia is a chanou of Ilia Loan Sarvlcor, Borrower will be Divan wrillen nullce of Ilia change in accordance
with paragraph 12 above and applicable law. The notice will stale the name and address of the flow Lnun
Savfuur and lhu address to which payments should Lo mado. Tho nolicu will also contain other inkvmatiun
fugnhed by appliaabiu law.
16. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage of
leledso of any I tazardous SULslances on or in Iho Property. Borrower shall not do, loot allow anyone at" to du,
anyllJng affecting Ilia Prupefiy thal Is In violation of any Environmental Law. The preceding two santances $hall
,,of apply to the presence, use or storage on the Property of small quantilius of I hazardous Substances that ale
Donalally iacounized 10 Lou Approplials to normal resldunlial uses and to maintenance of the f4Oporty.
Borrower shall prumplly give Lander written notice of any Invusligation, claim, demand, lawsuit or other
action by any govommonlal or regulatory agency or private party Involving the Property and any Hazardous
subolancu of Environmental Law of which Borrower has actual knowledge. II Bmroww luann, of Is ntilnhed by
any guvernmuntal of fegulalory authodly, that any rumuval or other runodiation of any Ilazarduus Substancu
unuming the Plopedy is necessary. Borrower dull prmnptly lake ell necessary ronodlal actions in aceoidanco
with Eflvironnornt,il Law.
As used in fills paragraph 19, *Hazardous Substances' aro those subslancus defined as toxic of
Iozmdous subslancus by Envlrunmunlai law unit Ihu following subslancus: gusutuo, kurosene, other flammable
or toxic palrolount piudu..ls. Idxia pesticides and hednicid0s, volatile anlvoula, malulldls containing astanstus or
lU(loanldehydo, and (adioacllvd nnatoiials. As used in Ihia paragraph lb, "Environmental I aw' means fadoral laws
an.l laws ut the jmisdu:llon wbero file Propady Is IocatUJ 1110110141010 Laalih, saltily or a0vifonn„aidal plodudlOu
flood 3
.
17, Flebabllllallon Loan Agreement. Ilortowm bhall 1011111 all of Ilnnower's altigallans under any home
luhabiblatiun, inlp0uvomuml, $opal,, ar "flour loan a0111e1sanl which flunuwur 014,14 into wall Lander. Lundur, at
101111,1'' Option, may mquilu nanowat 10 execute gold dolivel III Landes, lit • form accupfaltu to Landes, an
disionmenl of any tights, clahns or de(ensub which [loss *at may have aualnsl patties who supply labor,
nsafodals or s"rvicas fit connucUml with inyeovunnonts nuke Itl the Illopmty.
to. Llnldur's nlpldo 11 nwrov of Fails to Keep Pronlblta and Agleunollts. II ally of lhu events of
cundifions dosctilluli In sulpuaglaplu (A), (11). (C). (II) of 111 of Uses Paragraph 10 shall Occur, Lundus, shut
pivinu Hallowed any Ilmgely notice ill Ilulwwn'a uuhl he tole as nay than be lugolracl by appitcaWu law and
nouuwot's lahm, he Coln wllhid the tlnlu pelted Sol fu sill In such nutku, may fucpnlo that gorlowm pay
immediately Ill" ,nthu amount tntilaininp unpald under Ism Nnlu and Ilia, Security Inshunium. This lequifemunl
will Lou called'Inansdis4, Pav,nenl fn Full'.
It issues raquira Imnedlate Payment In Full, 1 undur titay being a lawsuit lu Ialoo away all of Sulrownt's
romelnlnp dphh In the I'nglndy and lu have Iha ('mpmly add AI Ih14 ualu I undur m umlhur p0eon may acqulro
Ibo proputy. fhib Is follow as 1010closuse still bale'. II oho pmcaods ill Ihh sal" tau Inwlbclunt lu repay lendm
I11o amounts title In Landon from Smlwer undur Ilia Nest" and undur this SuuuOy bnbbunnunl, Lunde may, to Ilia
uxietlt not hiniled or petdbilad by law, obtain a toilet ludpmmot ausinst flunuwi t pusonafly our Ilia dtforencu
batwoun all unuunls due from Ilmulwur 4111,101 Ilia Note and lisle Sactldty to efmnlald still Ilia sat" procuuds. In
ally lawbufl lot lumclosluu and sale, 1 miller will leave Ilia Iluht to colluit till cu?b and "Iponses at life foreclosure
asset halo allowed Ily, law. 1lib i11,1uclds alluluuy'? fulls still I.usbf u11tl" 610114111441 p4un111ud by ellpkiltta law and
Rufus of Cutest. All 611011111111% 40 nay come title will ba Io4umd by Ilia lien of this Secudfy Instmmunt.
1411141411 silly lagoon" 1111111"dlate Payllla111 as 14,1111111101 dnlb I'alYpfapll 10, 10 Ihu eafool not laohibifged by
law, it:
(A) Borrower lees to make any paynalp loquied by Ilia Note of Ihl% Security Instrument when 11 is due;
of
(n) Cbcopl In Uses" cncumslancub In which teetotal law u4huewiso pnwldes, allot any part of use Plupudy,
of any duld lot 1110 1'sop"dy, Is alld of hansrtolecl wllhnul 1 undul's pdur wnllun consurel (tar, of Sonowtol is not e
' 0alulal passage, it a Iwnolidd Iulurabi Ige Iiouowat is hotel ill Isanelnu"tg; of
(C) Oil OpllllbNlall of tuallul, two to mule hnburanl.u cumpanlub Iltunbed to do b"bumss In Into Stale In
"111,111110 Ptupwly i1 Im.atad fallen la Is?41u policies Insmlgeu Ihu buifdinus and inlprovumunlb till the Property; or
(n) Ilunowul (alb lu enable any paynail luquitsed by any .unim awtiogpe at Uonuwur Idils to koup any
giIlm1 pWOnse of sulliassialll 11l ally sollio1111ulludo". see
([) Ilutn,wm Idll? to kuup tiny Miles pu nsiso us agsewnanl lei this Sucuuty bfbinu"nnl wlhin Ilia lima eel
leads, Of 11 110 emu ill but fudtl In ihlb Moduduu, Ihun W11111 Ihu lee but Iwlh In Ilia nuh0u bunt to Sullow ll by
Iuntie;ill
(F) Any luplusunlation mule of Infimiwiuge Ulvun to I undur till dorrawtot lit connecliun Willi lln ovear s
upphculion lot Iblh Iran 1. false of ndbluddmu in ally nmlusl4l inspu0l.
10. Asslgnotanl of nu(Is; Appolnttitanl at nucellear; L.endar In Possession, As additional secunty
bolaundut nunuwut leasable a slum ptl I undur Use Ionia ill Ilia 1'tllpody, pluvided that Umruwut shell, laaa to
uccupurallun under pauuloph Itl bemol m Abued0nnlnnl ill Ibe Ptupely, have Ilia Buhl to colluct and rolam such
lu0b as they become (Ilia anti payalold.
Upon acculatdlt0tl undur palaUfdpln Ill Imroul or abandonenl or the 1'fopudy, Lender, In parson, by
boold of by luUiclally sppul"toti lucelver bhatl bu "nlsllo lu sister upon, take posa"ssion of and manou4 Ilse
PI(g)udy asst to eullec) tied settle of Ihu Ihlpufly Iuclull", Ituse pal due. All fells "lo"u"d by Lundsor or Ills
e0ulvut ahmit sal Allotted lust Its pavmull tl this culls ill mlandgumuld or Use 14oparly slid colloclion of lints,
110,11611U, bad 1141 lhnlti l h), eculVYl's Ives, plumsims, 1111 tllcuivul'ie b unda gild tabalnatele allulnays' lees, and
Ihun to Use sun" sucmud by IN, Socially 111le111111lui11 1 tieluf asset Ilia lacuivm shall Ise Ildblu III aeelltf only pot
Ihubu Ionia scluafly tacerbtil.
70, Nrlea*c Upon payumut a1 all hums socued by Ihls Sucunly Inbh41mmd, I under shall dischdlge this
SuLUdly Inehurnuul wtbaul Chao"" In iluuowm Ilurltlw"t shall guy 411 cusfs 411 tucotdallon, if any.
71. Igilerrd N41r Allsr Judpnunl. Ilu0ow0l tigeus pull put Inpuesl tale payable until a juduamnt is
"d"ell gill Ill" Nuts sat In an 401101 ill maduage 1tielJusue affair Ise Ilia veto dalod lei Ilia Nola.
72 No Claim of Credit our Tea. llu41owel will not Mahon du(IULIlell from at claim conch nn Ihu
p11ncgldl tar I11lutasf 401.4116141 fry Ihlb Sunlty 1nb4nunenl by nldb111111 al any uuvu41uneulul lasus, dbbusbm4ols of
I.Ilu Uub. nlllnllwlll wall 11,111 little ally dUgluctlmn I1001 111u Notable vase or 1110 Pmpudy by mabun of Ihu Sucunly
IaliblallaroU
93. Ftlnds fur Tea slid hislnalme, Sad,juil it) Alpheablo paw us 4 written waiver by Lender, nolrowe
doll pay 101 undur sees lieu day nuu11bly pdynuudh ill lahwipal end antombl alu payabtu uncles Use Note, utilil Ile
Nutu Is paid In 1,111, a built Iha vile 'I undi f equal to falls Iwuillh of yually taros and assessments (ineludulp
m1mJminium gold p lifulwl offer dYVti1tip1111Y1ip aSb11bS11iat1b, it ally) whhll luny attaill priority over INS MOetudou
used Ulmmd lulls all thu 11roploly, it ally, little tine lwulllb gel Vivify pt4nduss, Installments (or 1latard unauroncu,
plllb 111111 1WY11111 CA Vitally pYulalit tl lllblallmu(ilb fat 111uoi000u inbllldticb. II ally, all as seasonally ebtilnalud hilllolly
allot retail little lu Ilnm by len,1e loss Ilia barab of rvwwuenlh and bills and seasonable uslialdles 1601ec1.
(141010"0 shall nap be "Illuatu,l to u1s?o Iamb pavnmgel, or I units to I untiut Its Ihu exigent post Ilunuwur iuakus
b114,11 pdvnentb lo Use fluidal ul a pilot nofeetUaga of duuti M land of holdoi is au osbfutlunYl Lendet.
It N011uwul pays I'Illldh Its l modus. Ilia funds blall to i1 ass Insblulon Ilia despusits at account at which else
"1uill Od of U11alditY4111 by it it 1r11mal 10 btalu d ioncy (lit, hld,ag f endue it I under Is buck an inSplubo0). I undur
01.411 ,gq,ly Use 1 tluclb fit pay hotel I4.111s, o bsussluuhlb, Olalra0cu pmll 0111% and Uluulld runts. Lender may feel
e hmuu file 441 lulhlug and dpptyhlu Ilia Funds, alaalydhllf habl sad cuwo If vulltying and cul"p;hnu sold
ubfC.hillu ills allot Image, IILt4b6 1 ualul pays 11v111mut wh hill gill Use Floods allil appticaWa paw Pellnlt4 tutolel h)
makes bill 11 1 I lbllUv h,N11MY1 aliff I ulldvl may soloed he "dung at Ilia Onto at ucucution of rids hlutludge oral
Iu1u,0N tan Ihu I'und? bbrll logs flight lei I14geuwul, old unlaeb'41101 auloumunf is alada of applicable taw tuquires
web lnhnubl lit Iw p rid, 1011.141 b1.011 dolt bbl ruqunud lu pay Ilunowul tiny niurest of arnin0b tan Iota f undo.
I u141tl1 sliall Uuu pa 110114wvl, wolulA I beside. asset .1110"1 at, aluotig of tom funds bhnwiap uodts and dubils 10
Isle I llllilb 41111 Ilia lHapalfY fill wtdmn ball) dulels III Use I mull, wale madu. Nlu F11ada aid p1uJUdd its eiddalullal
b1na,111y I'll all bdltia buttltld toy Ihl% fio0unly Lnhub,onl.
pagu 4
If the amount of the Funds hold by Lander, together with the future monthly Installments of Funds payable
pilot Io Ihoaluu dales of taxes, aasetamanls, insurance premiums and ground rents, shall exceed Ilia amount
.required to pay said taxes, assussments. Insurance premiums and ground rents as they tall due, such excess
shall be, at Borrower's option, either promptly repaid to Borrower or credits to Dorrower on monthly Installments of
Funds. It the amount of Ilia Funds hold by Lender shall not be sufficient to pay taxes, assessments. Insurance
premiums and ground roods as they fall due. Borrower shall pay to Lender any amount necessary In make up the
defideney, in one or mom payments as lender may require.
Upon paymuol lot full of all sums socuted by Ih6 Mudgago, Lender shall promptly refund to Borrower any
Fuuda hull by Lender. fl, under paragraph 17, hereof the Property Is sold or the Property is otherwise acquired
by Lander, any Funds hold by Lender of the time of application as a credit against the sums secured try this
Mortgage.
24. Riders to tide Security Instrument. If one or more riders are executed by Borrower and recorded
Ingather with this Ductility fusbumurt, Ilia covenants stood agreements, ul each such older shall be lOeurpuralad
title and shall amend end supplement the covenants still agreements of this Security Instrument as it Ilia rlduo(s)
were a pad of this Security Instrument.
(Check applicable box(os)?
1f.-11 Adjustable Rate Rider
fL?J Graduated Payment Rider
L J Balbon Rider
? Olhor(s) (speciy?
?f? Condominium Rider
D Planned Unit Development Rider
? Rate Improvement Rider
? 1 - 4 Family Rider
? Biweekly Payment Rider
? Second Home Rider
REQUEST FOR NOTICE OF DEFAULT AND FORECLOSURE UNDER SUPERIOR MORTGAGE OR DEEDS OF
TRUST
Borrower and Lender request the holder of any mortgage, dead of trust or other encumbrance with a lien which
has priority over this Security Instrument to give notice to Lender at Landar's address set forth on pago one of
this Security Instrument of any default under any superior encumbrance and any sale or other foreclosure action.
IN WITNESS WHEREOF, Borrower has
Witnesses:
I hereby certify that the precise address of the Lender (Mortgagee) Is:
exculed this Mortgage.
On LOhalt of Ilia Lender. Dy:_ __Titlo•
COMMONWEALTH OF PENNSYLVANIA,
County as:
On this, the day of 19 ; V before me, appeared
Iho undonlgned o
known to ma (or aatislegonly prove roven) personally appeared
to tie the person($
whose name(s) subscribed to the within Instrument and acknowfedli V)
that executed same for the purposes herein
contained.
IN WITNESS WI IEREOF, I hereunto set my hand and Official seal.
My Commission expires:
Tits fficer
t
RDING RE7 UflN TO:
NOTARLLL SEAL A ECO
C. 1
.IO1wN Iarrrlrr.xion NoYry
?EG.W Cr.pxny ___
page 5
t , , ,
Team 02 North folly-IIM (1J) deices thinyone (2I) minutes thillynine (39) seconds East one
handled e1 1h1 and Ihtllydlle Ialndledlhe (101-39) real to an Iron pin; theca along lands Ilow or
formerly of John X. Wright Routh folly sis (d6) degrees Ihiltynine (79) minutes Ihinyone (3I)
?ecunda Vast Ilia hundred one and seventy-eight hundredths (701.78) list to the place of
begdnaln{.
NI11Na put of the sane premises which loscph B. Fishy and Mary K. Fisher,
his wIR, by Indertltre daled Marlt 29, 1990 and recorded a Carlidc in the County of
01,116,10W en Much 10,19901n Deed llouk TbM. Page 210, granted snd couvcyal unto
hichud 1. Pltken and illsstuse R. Picker, Ids wife, in fee.
ALRII NRINA the isms praoias which Etemor R. Picks, by Quit-Claim Decd
dated Wuber 17, 1996 tad recorded In gook 149. Page 559 quit claimed unto Richard L.
Picker
iS
YI '.?5 wwii
FI%LIJ NA IE NOIE
mrnbol: _1-477049 0IIA, `
CAMI! 1-..1. ___ PENNSYLVANIA
US $ _B5•non.nn
M177fl
IT
new
-----?_ .____:'.57710XA1111YfIl1Af1 ?NIiWVIIIf PA [72•IIA
(Pnpunly AtI111USS? _ ""-""-'
L BORROWER'S PFIOMISE TO PAY
No dome hxa Ile, I1.4111wvu1wWj, l p11.IJau lope Vig, 6 Usbwdf Ol phb YUwlYtl wll Le tJlaJ }wpLg61}, phis plain. lu O,e
aJYIW1116ItlIJW.11's lowho 6AJ4WhI WIJYly G4lpW.lYY, I WWWSbud MW Ito I Wide boy ktebf"IM Nub l1wim.1imO1
fory1wY who Iddu ]hit IlUb dry TlYnalW foul wLu M a,WNJ 1-u m:a.Y p.pnwib uuJa ILU Nub wJ Le uhJ IM'flub I IJIJa.'
2. WIEnk6T
kohmull MEI)e LIIJIy1d On WN4nI lmk.Awluodd It.. W6unwunl WlxpcyYd bi. LUalydl IwA pay Ylla Y)I ma yN1Iy IYI1 of II AO%
WA Le UILULIIfof win of 560 by Vote W 1J Y 5J bly UYxllll, wool] paltil tuddlo 6..wl u,1W.wI days dlul Job ILY Y"I. kilovolt wA Ld
dolped wild Um IN k`Ll1wd lot LYJII p wl 11616
The Indani fate loqu hl by Oil, Sothic, 2.4 lid. Nub L NY fob I wd pdy LWl, LYIu. W o l YOa my U06,41 dnbo4.wl b BYuxN1 UIIO ul
IIJJ flute
i. PAVNi
IAI Nms Yed Plea. of hp,16nle
I WAPAY pk4]pal end lnhlesl byp"o,Upayounls noy uwUl,WU S f UU110y
I wA nuke try ulmllbly{Wyln.m..1.flow 1'k.1lby Ul vlaJ, uxnll, LW,yotvgl wl Alupbl Ihiju I dwII". ihn. to),]bolls'Who y Iiel
ImAll I love folilow of OI III* plbLywl W,J howl.'l 11.11 Wly IdLn O.U.. dWWaoo.wi LYklw Il,d I they Uwa ulYla it., NJId the..
Yppp,.IWe LII fYedJY. UILNWLV J1 Paplwuh wA L. q.pb.l MN lot W IIIIWI doll mipvYI Nd"'I W 1-J the p11M,dL'I, 4 may, 14 ILY
m.pahl plk"k-01 Wu]ce. 11, ul Ady U I. l%'U. I . W flood oomOil. 1WUa ILL 11-44 1 rJ play Thaw M oalwAla II hot w Ihd] dud, .6m) N
LdlwNl,e }Ihehney dvlu
I wit I iklw, ke Lry n1onllJy p1ynl.YlltSl5]11S.IAvnJ Ara,1'Ww/f,Itea L.U.ks,CAmJ171 kid Y dOWonl pbcY d bbpwood by 1M fbla
4, 11OAOOWIA'A AId11T TO PNIPAY
I Mve lhailUhl to,bole paylwnN YI {whLl{wl tl Wry 16ne LaluJ ILq m,Iw At to ..... M W 1NnLkul body,. known do a'prq.,w WW
7116 Plnywl Slid nauWl 6 do nl m1110, ban uW y be Il elwvl No r.Lub IN b I W 10l J.ry Ipl.. told • 11111pAy,med nw1Jd 4111141610 151 yeah
of Swo 14140l vatadmuf 61161 be Wdplul to Ibe Iuiew au 1YyyylnWd LIUMV, w11.1110 Ynal Ilo Y{.ayln"ll I. danlaly, 611tahilda,y IM L.,dla
tilde dvuA of Wry tarn of [IA. NJIe W Mo.l PY Ill -11 It it 1. eox
a"I A auW Yylwl lu the I16yI1wW be U. 16) bdiog t, Yllaal al it..
WMxxII fYL'IWkI 61 exy IWYNY II W)...4111"'. Yl16 11miI IL. NuIY fhdlJ wW 4". it of bly IxCyW/nNYll\ 1-4 I"It"s IIW WIYYYII A
Ix Y1CrlJl llwi I Ix:e IIndW ILIA IIUIY. ill IMM a {laI4I1NYI9pnall, 111". wN LY $W 41uw 4a No M. 1611'IJ1tY or wwwwaa .1 my Idxdby
1uyuwnl. wd.l.d the Nule I I.,Wa JUIr.. Y. w1oonU 1-u ILuhu JatU.. 1?LL.'I.1 Ya piull.lwl ?I 4HMdl 6. IIIY Nole IIWJ W Y.YI. wry {agwwl
IYIa11W chtepe at Il,e line Iho, lo6n L YIfoW doll] nJ fwd 41 O wA Lu IL6nldwl d I Pay b LJ.haJd W nlwJYb.
6. WAN CHANGES
O Y Lw m I Wptlflol, "fill, aINAa9 lu It,,, Will ..Ill wL,11 lw 1. Yw6a uN hY.u LI W Uw. la Noddy holaf nl.J 6011Yd If,, 1dad.1 bo Who
kwn 6411 LI W Uq C"Nit-otf 19 too Ile LJEwLd YI UYNILWaW .41, IIY. holdu..... I IIN L woolof Miles. IIIWI N dny such vllaloll WYA/,4 YIIIW
Ll W pn tlwE LY mJ¢wl Ly ILY MwnuJ nu..oavay 1.n W hu u 1Lid.w.1 .YJ I.. .11'. kW1 JIWp.Y to Old 1WNWIw) MIW. W Id N )
Wry Uaea ilkoW / G114CILV16mY ma oYhh.ll YFLYYWIlollo le.I Mula U rlJ Irv mkvuvJ ter tel. 1116 pleb ILdJr rluy Olulae In nu1Y Ibu
Ia6YNf hylWblkly lhtlfi611.y WI Yp.nnJlW.Ia lI11. fIWY.i L/I1IJI YUpJ 1"1611 Wp4M bIWbN IlnLkxlJ uxkuea µYly.ll. ILnuku loon
wJ Lu Uaalwl a: J plalld p.{.aP1 Wvd
U. MIC40111WM% MEURt 711 PAY AS Id1111WIU
IAI IYUI ChwyY. 1. Odeldld Poor ...... 1,
9$to1 (Jlhelydl Lib LIWUYIY..Y IiWJIll all .? 1-111 Ydll of WIIw LWIry If,.ewJ.J Mils] 115), Ahxxb, WVS anW the Oil1416
IX"Ceyl Y11J 111 W esI IYII 1116 k:YY IIY116CU Qp I W A lYy 1141 W Y LIIYIIfY IN W 1YdIp I F 111W dd Wluaul utll Lib p?pnr11.b1YJ Iwynwad ..1
fill Oa1foJI
11 1 1-b nut poly 016 6d folwmJ W dJLl, IIYVd1Ay II16puall lw fill 1-W W 4 b Ili,., I wJ be 4. ddaul it I All a dd"d1 WW IIIY N"'A
{vfocry Wi followed .1 INS k.1 I. Yaa 6+gUmI, Ihd lkJd ILJ hl it., rt.pwa hew Wooly Ywua.6.ldy Ibe kJ lowpot wYalhel Lab'" 1A..
YLUIIWIMI.IIYHIJ6I owho.oI WNIWI/ulll, W1YYYJ.Ill.WIW\I.IIIw1u. IN. Il.im lI..wYYW.d IbYWlytwlyl6xy?Y1,MWIYIINy kNll la
ESe p1kYM M.Y.I YIn YI IIJWId1, IbtltimelIubWlad YwWllw Yw.lll.'IIN.JILU bLl,lp 1-W III.I III1k11n.I Ihey1116 Y, d1Y YIIYIINII ytla
{.bow oted Lua1Y *not a UbY. toy • Ywbn 1411 11'. Ifni. I lJ W nl.y It u.l wr 111 Iwo YIYNfo6alay Ihd 6J 16q led IYngwl 1..4nw
IAIY YLUIIYJ YII.I IMIyJM W1aYaI W..I J.I YIIIW YIIMMYIL III11111.wY 14,.1-,111 Y. k,u11111.1.L1...... .Y YI MY.I 5U 1by1,.NW 1I.Y.111Y
1411d1kl1 01411414u 14 noted he nlu a.4 G la 11Y111wpJd, Nnlipa silo] IIIY .bIY W 1111- W11 Y Iwllaa.a Ul1-e 11-61.
ICI No W.hot LY N.IY 1 WJ.r
I'vlxl d, Ylwle,W WLmIWU I,II.uJ. Ihd fl.da lhAkl Jno.IWIIWpu. Ina le p.yl16..w4biy 116A at.bwpwlWwd. ILU NuH
1 YAWI wA Y W Ivv ILY uyhl In Jn LN d I Jm W.k1a,J1 JI Y Llw 1-l"
M) PI....ald W Not. II.IJ.Y. C-loo .ld Ly1u.u
If I Ja1a,J, ldwtha bowl 1b. 18.1. I hY.h.l Iwo lY.pn.11.« 1.1 Iwy pmwkd.l/ a. d....bwl A.,ld, II•d filed I l.dhY uA lw.. ILL uJlll
la 1-.u Ihe.1 I
hulhew kY Nil W X. LI.:I. YIW Y+pan: u. Y. ad,n foil 11x. 11..1. In ILJ a.lyd uuUxdaawl Ly JPyM.. but Iba.o
u.ya16upd Yoa.111 u,IL .1 J1.4..lx1J 1Y11W toy'. !.•l. ]wd li4Ld.doJdry NH 4..dJ. LW 1wA Yba p+ a1M.UeW i.'e p 16
6 W.y
JLY WI WId lbayoa hi toll, .1..1n+uJ 1I41h, .bll w .wlu. a.JYUUUA L..uwl Iy wv U luyu...d u, llw. /wn '
+ Ihow$$ IIIN*%JxJ Ww lalpsea' ''loud 6wlhod. any wKv loud Awalb. lylla In o •'nIA, IIA, NWN wI I'XpIll dry dabehlp it a dry
+ • • IIMYIp a toy I"I Wp IIUA In III+ PIItualy AlAkaalo. .auk Ia Atwood of 'I yIYY III, NUIN IhAI'r i A.", ulfuy"ka ul
aJEw
Any noon IIU1 oast be uhEn to Ilia Ilute IIWdd wldu IIA; Ilold wI be Ul1n by ANA 3abYy n1 Msl W I ansto II, Idol, I bdd at It'd
adM1YpN WNI SuJw,i(AI dbore,NNI.INloaWI alhka's Al aurmu nW.,.I that
nAAru.
• • 4. Warms
I I Wallis Illy IIp1I. IN lellll,e the Note INrMN1 Ili do GWwYI IIWIy1 Ihua, IlAlys s, JAI to daand pe and of sAwenll doe (known as
(n YaWlhow W). all to lihs 11a11p llwl WINNN1alfile TNY, 1,411,001 joed(LIIaw1do INAttl IAalW11N?; let to obl+II1 a11NNs.1,11 Lailk"Ilx1
LI ounflaywould (mown as , NWe.Pt oQuyww N1Y 11) wIW areas In I,UII the 4wdpa owlN 611111, Note, W tot "In, save. IY ANA,
(wynfads to Iha Nule I luldd Y 1 LA to Iasi. ory plwNUa Mak111L Nuld, W dal W Im %hp% dx. 611410 4uwla o lu %alwuw as hurn/n
06'glwadaw. 14x.14,, aid wlda,w%?,.haW h#. IhOJ 0,101,
U 1143 NOTE COVERED BY A 3EMNUIV W3TNUMENT
A SwxOy Nn41nIwn1 of 0'a Ji4 wxd+Ywlp a lWaul1lIdam W ory owl polwdy pwiw.la lb, fNAU I luhlr han paolAd luu6%whtlwxybl
amn $1 ad no11Yg11he plonlus wht11J nwlla at its NJIN Ion Nul, M UUxaJ by loll tiwaw4y 41Wwnrnl. lbd C,l.wiy 4whlarnl
14,ua., IIUI. a1J Ia la wont IWU11wlw 1 nwe I'd wry' W 141nu1, naw04d, P+plw61 a, hd 61.1 .....xd1111.11 aw. md. Its. Nnhl
IU NLE?ONM3411yo??tNHINa 116014 1105 Note
11 uxw Iha, uw pool %hllu Ilm N91u, 6adl of ua I. losy aIJ pw.wwly .tlAdal.d to pay 11.4 6u4 nnuwd uwal JAI. We a.aq., as
NuIuArvll Al SYale.n 31A1 ad bill) 0ol to loop 61 of if,. lawn,b uu.W No it.. ///.x. Ar?y 1g11I aanlol, %w Yly, as Wlda,w W it. We In
JJwAeJNSealal0 d1w611a also aAp,4dIn Ikl Ihoathug, 1119 Nut, 11u01anlwya4de4ulgldt Urdu 11A1Nabdg.ln.le+nb61
Iw adhNhu/y w sJ.{wl .1 W is. Io4C1hlf 114. na+oc ILYI ony will W Ua uwy 1.0 lopaed Ill Jody *141 the allulalo uW WI Iwdo lids
fluid.
an who 4kq Dow Illy INJMf W olAq+llanI ,.to ILw NJI, hH NE UI Illy 11ph4.nd aaa kelp al UI Illy pplum[. 'wad 1111.%
Nnp lo1,. Noy pdaal who 4kas aril Ilul lights a ub{gallon ul ¦ dumadly, Wady. I, undwNel at 114. Nola In lleuallW of Sa.4a a
ahead W site ahkA4J to I oy1.1 d Ilk. 1.Jnd.e, audo AI lox. Ndd
11. A?PLICAR E LAW
IIw 001,15 Ilur4 p„awol to the Alanal00 Malq+u, ban".Imn Palsy Ad at 11,010 nd applicable 1pI1411ona Nlh111MMI to Ilia ulud
not ludwlydYJ by swh as a IYpA.wiu w jal w gyAUlAa IAlod 4W, Rwwyhaa4 4W QUaMiS It, 0 Note. hl 1119 0 011 141 a L-0611661
lwawsol sly inGiU n at IIA% Mae aid ary 4110.1 w pnxLIN.IA, .1.1616, We W I,ty9+IWl1 a IJlea d, W Ill, dill ul Iles NW., IIw
N4N99, 4w w INVAxNM shot canhol To 111a exad of sold, l W lINA aid Ilse a,mill.InU Ix salon IW IlaLwd Ili this 1141. Now/ W will 1W11
ddeal. N Walk rMhaik+w 6111114 NOW Y/I IUld eI Wty tII <II11 and nIIJLaIJAe.
1E. 00e1IMTION
At eal0oeae4, a d4ais Uelwea, Ilia AaNal Lal1u nObJxlq I mlk,, ahbg all ul Ia+M1lq N Ilia {uLt,al nwI1M ul llxa VanNWal,
NnblNpp 11111 nap build to Ilia mono u 1110 loon, 1101oan ApoanOA, lit, J .lo, lit, Malpuage and plow douNnenb aWYlq Ihwldu,
the uayhinJ,1 o041 h loll old Its* solalc.n dowt 1006.11 0.14 be delaualtlJ by ldWw4el `I aKwll+nu wtlh pµAaawr 0141 W ILd
A . A1A.Nl1 Albaawn AI W rLw1AL ,hldlyl WIII an Ilia aIWIwIW ', load way h+ rW uoJ NI any cowl IwYNg Palma 1Na. Wllllas Milo,
Tway', fulfill Ili albNwdon..Ay lolly 6Vy isplie In ant, Lw11I 111 Cunpulaul juamat.14a NN IIN Ioloenn 1l to allWle it's 061 Al" at
was Ix6b5NN1 IasWYod NI ally 10,494u. swWYl4 61 laud, kabadl 1g the xp pomb...I 61 a fKYNa; l ) IQ &two 1ooe.20u1 Iha
1lopaly uld"I Io IIw Malg+pi by al 4chwl hx In4whA Joanna. Noy (+uc0a4lq Jul 1111'41 IolaaolWe NIyE oak L1 IUL1 16
wl 1ho11 Tile 0ondsou1 It'd puww uLaW coulanwl b 11.0 h1a1a6 N6ouaq IIJ,lua,wlit. daadal as sly(.Wh114heA ,aUalss
IohNd IoW IN/wblCMenWad C6JJ ILat IoW LIx131461Ja1aN Yn?N11111. aglUnNbl J. alah.ld Aa$flat Maybe aiU1oJYILUIILI4IWlI voll,
addw4n.
IIEREOYACNNO JEDOCS OECE Nf riKnCOMPIETLD CUP.1)F TIIIS AIiLiEEMkN MENI'. tlUNIIUWEN
Gj E WITNESSYIIE NANU(S)Atl11 SEALS(S(TIF ME UNDERSIGNED. RJEENUINO TO UE LEOAILY BOUND.
,. •.I, WUI IoW N.? ? ••?. .
-------------------------------
RICHARD L. PICKEN
k4h.?. 1,g Y. ws"lo'A WI:1 IJYS'Ww%lNUlyU 11t follow M.A..Itlwda N.1 WbIMUU...si.Jby\NIi IL.YNIIUYi (.+,aw l9ws11a1Y111 ??
0111,NIN+Y ItAlMY11.110 Iwo"IUANA ndl II! W aIM'h WIN IJaUll.Want lot 11.la. a'
.!x
• ii
al
IIJUu
w+.6w
. .. .. .. , :.,...'., rat*'....
GOLDBECK McCAFFERTY & McKEEVER
A Professional Corporation
By: Kristin G. Murtha, Esquire
Attorney I.D. # 61858
Suite 500 - The Bourse Bldg.
111 S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
Attorney for Plaintiff
AAMES FUNDING CORP.
P.O. Box 76930
Los Angeles, CA 90076
Vs.
RICHARD L. PICKEN (Mortgagor
and Record owner)
257 Roxbury Road
Newville, PA 17241
CERTIFICATE OF SERVICE OF PLAINTIFF#S
MOTION FOR SUMMARY JUDGMENT
Kristina G. Murtha, Esquire, hereby certifies that she did
serve true and correct copies of Plaintiff's Motion for Summary
Judgment, Memorandum of Law in Support and all supporting papers by
first class mail, postage pre-paid, on 1999
upon the following:
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY
No. 99-6517
Richard E. Freeburn, Esquire
FREEBURN & ASSOCIATES
4775 Linglestown Road
Suite 200
Harrisburg, PA 17112 1/
i
r?
nt ?.
d
ifp;
t pct
CI sr7
t?Sit
QEL
?r r
Y?.1 „
GOLDBECK McCAFFERTY & McKEEVER
A Professional Corporation
By: Kristina G. Murtha, Esquire
Attorney I.D. # 61858
Suite 500 - The Bourse Bldg.
111 S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
Attorney for Plaintiff
AAMES FUNDING CORP. IN THE COURT OF COMMON PLEAS
P.O. Box 76930
Los Angeles, CA 90076 OF CUMBERLAND COUNTY
VS.
RICHARD L. PICKEN (Mortgagor and NO. 99-6517
Record Owner)
257 Roxbury Road
Newville, PA 17241
ARGUMENT PRAECIPE
TO THE PROTHONOTARYs
Kindly submit the following matter to the appropriate Judge
for determination:
Motion for Summary Judgment.
Argument date is May 31, 2000.
GOLDBECK McCAFFERTY & McKEEVER
A Professional Corporation
By: Kristina G. Murtha, Esquire
Attorney I.D. # 61858
Suite 500 - The Bourse Bldg.
111 S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
Attorney for Plaintiff
AAMES FUNDING CORP. IN THE COURT OF COMMON PLEAS
P.O. Box 76930
Los Angeles, CA 90076 OF CUMBERLAND COUNTY
VS.
RICHARD L. PICKEN (Mortgagor and NO. 99-6517
Record owner)
257 Roxbury Road
Newville, PA 17241
CERTIFICATE OF SERVICE
Kristina G. Murtha, Esquire, attorney for Plaintiff hereby
certifies that a copy of Plaintiff's Argument Praecipe and Motion
for Summary Judgment was mailed on May 1, 2000, by first class
mail, postage prepaid to:
Richard E. Freeburn, Esquire
FREEBURN & ASSOCIATES
4775 stown Road /
Harrisburg, PA 17112
KRISTINA RTHA ESQUIRE
??i
h : lA
ni
?4. p j
,fs
,a
n
{lib
`h •
f3
7
? ? yi
GOLDBECK McCAFFERTY & McKEEVER
A Professional Corporation
By: Michael T. Mckccver, Esquire
Attorney I.D. # 56129
Suite 500 - The Bourse Bldg.
111 S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
Attorney for Plaintiff
AAMES FUNDING CORP.
P.O. Box 76930
Los Angeles, CA 90076
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY
VS.
RICHARD L. PICKEN (Mortgagors and
Record Owners)
257 Roxbury Road
Ncwville, PA 17241
NO. 99-6517
ORDER
AND NOW, this 31 day of May 2000, upon agreement of the parties it is
ORDERED:
That Judgment is hereby granted in favor of Plaintiff for the dollar amount
due as of the filing of the Complaint ($96,780.61) plus interest at the rate set
forth in the note, fees and costs and other charges in accordance with the terms
of the mortgage and note and the demand of the Complaint. Plaintiff will
forebear from filing its Writ of Execution until on or after June 2000. A
Michael T. Iv1EKccvcr
Attorney for Plaintiff
11..llnohcl?
Richardum
Attorney for Defendants
BY THE COURT:
/X4C
PYS510D Cumberland County Prothonotary's Office
Case Entries
1999-06517 AAKES FUNDING CORP (vs) PICREN RICHARD L
Filed Dates 10/27/1999 Times 2:43 Case Types COMPLAINT - MORT FORE
Page 2 of 2
6/19/00 ORDER - DATED MAY 31, 2000 - JUDG14ENT IN FAVOR OF THE PLAINTIFF
PLAINTIFF WILL FOREBEAR FROM FILING ITS WRIT OF EXECUTION UNTIL
ON OR AFTER JUNE 29, 2000
BY THE COURT GEORGE E HOFFER P J 6/19/00
-------------- LAST ENTRY --------------
F2=Done F10=Print F12=Cancel F17=Top Fla=Bot
I, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
AAMES FUNDING CORP.
P.O. Box 76930
Los Angeles, CA 90076
Plaintiff
VS.
RICHARD L. PICKEN (Mortgagor(s)
and Record Owner(s))
257 Roxbury Road
Newville, PA 17241
Defendant(s)
No. 99-6517 CIVIL
PRAECIPE FOR JUDGMENT
THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A
DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR
THE PURPOSE OF COLLECTING THE DEBT.
Enter Judgment in favor of Plaintiff and against RICHARD L. PICKEN in
accordance with the Court Order dated May 31, 2000.
(X) Assess damages as follows:
Debt
Interest 4/ 1/99 to 7/31/00
$ 961
Total $
(Assessment of Damages attached)
I CERTIFY THAT THE FOREGOING ASSESSMENT OF DAMAGES IS FOR SPECIFIED AMOUNTS
ALLEGED TO BE DUE IN THE COMPLAINT AND IS CALCULABLE AS A SUM CERTAIN FROM
THE COMPLAINT.
I certify that written notice of the intention to file this praecipe was
mailed or delivered to the party against whom judgment is to be entered and
to his attorney of record, if any, after the default occurred and at least
ten days prior to the date of the filing Qf this ppraecip A copy of the
notice is attached. R.C.P. 237.1 n / /A
Jo ph A. Goldbeck,
At.rney forlPlainti
I. #16132
AND NOW
entered in favor of AAMES
accordance with the Court
the sum of ONE HUNDRED FI
($105,105.97), as per the
-A, 2=^ , Judgment is
FUNDING CORP., and against RICHARD L. PICKEN in
order dated May 31, 2000 and damages assessed in
VE THOUSAND ONE HUNDRED FIVE DOLLARS AND 97 CENTS
above certification.
P othonotary
41 L ) //
GOLDBECK McCAFFERTY & McKEEVER
A Professional Corporation
By: Michael T. \Ickccvcr, Esquire
Attorney I.D. H 56129
Suite 500 - The Bourse Bldg.
I 1 I S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
Attorney for Plaintiff
AAMES FUNDING CORP.
P.O. Box 76930
Los Angeles, CA 90076
: IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY
VS.
RICHARD L. PICKEN (Mortgagors and
Record Owners)
257 Roxbury Road
Newville, PA 17241
NO. 99.6517
ORDER
AND NOW, this 31 day of May 2000, upon agreement of the parties it is
ORDERED:
That Judgment is hereby granted in favor of Plaintiff for the dollar amount
due as of the filing of the Complaint ($96,780.61) plus interest at the rate set
forth in the note, fees and costs and other charges in accordance with the terms
of the mortgage and note and the demand of the Complaint. Plaintiff will
forebear from filing its Writ of Execution until on or after June 2000. A 11
.dichael T. WKeever
Attorney for Plaintiff
U'44E Q--
Richard E. Freebum
Attorney for Defendants
BY THE COURT:
l?
P J. J
P
GOLDBECK McCAFFERTY & McKEEVER
BY: Joseph A. Goldbeck, Jr.
Attorney I.D.#16132
Suite 500 - The Bourse Bldg.
111 S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
Attorney for Plaintiff
AAMES FUNDING CORP.
P.O. Box 76930
Los Angeles, CA 90076
Plaintiff
V8.
RICHARD L. PICKEN (Mortgagor(s)
and Record Owner(s))
257 Roxbury Road
Newville, PA 17241
Defendant(s)
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY
CIVIL ACTION - LAW
:ACTION OF MORTGAGE FORECLOSURE
Term
No. 99-6517 CIVIL
ORDER FOR JUDGMENT
Please enter Judgment in favor of AAMES FUNDING CORP., and
against RICHARD L. PICKEN in accordance with the Court Order
dated May 31, 2000, in the sum of ONE HUNDRED FIVE A THOUSAND ONE
HUNDRED FIVE DOLLARS AND 97 CENTS ($1gq 1(4.9A . /A In
. "' ....,
for laint' f
I hereby certify that the above
the precise residence address of the
Box 76930, Los Angeles, CA 90076 and
known address(es) of the Defendant(s)
c/o Richard E. Freeburn, Esquire, 47
200, Harrisburg, PA 17112; ;
names are correct and that
judgment creditor is P.O.
that the name(s) and last
is/are RICHARD L. PICKEN,
,S)LiAplestown F ad, Mite
At
BECK McCAF TY & 'KT EVER
Joseph A. ldbec J .
rney for aintif
7p
a??y
v
ASSESSMENT OF DAMAGES
TO THE PROTHONOTARY:
Kindly assess the damages in this case to be as follows:
Order Amount $ 96,780.61
Additional Interest through 7/31/00 7,545.96
Additional Late Charges 779.40
VERIFICATION OF NON-MILITARY SERVICE
The undersigned, as the representative for the Plaintiff
corporation within named do hereby verify that I am authorized to
make this verification on behalf of the Plaintiff corporation and
that the facts set forth in the foregoing verification of Non-
Military Service are true and correct to the best of my knowledge,
information and belief. I understand that false statements therein
are made subject to penalties of 18 Pa. C.S. 4904 relating to
unsworn falsification to authorities.
1. That the above named Defendant, RICHARD L. PICKEN, is
about unknown years of age, that Defendant's last known residence
is c/o Richard E. Freeburn, Esquire4775 Linglestown Road, Suite
200, Harrisburg, PA 17112 and is engaged in the unknown business
located at unknown address.
2. That Defendant is not in the Military or Naval Service of
the United States or its Allies, or otherwise within the provisions
of the Soldiers' and Sailors' Civil Relief Action of Congress of
1940 and its Amendments.
Date:
0004477049 - PICKEN,RICHARD L.
T0: RICHARD L. PICKEN
257 Roxbury Road
Newville, PA 17241
AAMES FUNDING CORP.
P.O. Box 76930
Loo Angeles, CA 90076
Plaintiff
Va.
RICHARD L. PICKEN (Mortgagor(s))
(Record Owner(a))
257 Roxbury Road
Newville, PA 17241
Defendant(s)
: IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY
CIVIL ACTION - LAW
= ACTION OF MORTGAGE FORECL
c
Term
No. 99-6517
THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A
DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED
FOR THE PURPOSE OF COLLECTING THE DEBT.
TO: RICHARD L. PICKEN
257 Roxbury Road
Newville, PA 17241
DATE OF THIS NOTICE: November 29, 1999
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT
YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS
YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT
MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR
PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A
LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO
OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL
HELP:
Cumberland County Bar Association
2 Liberty Avenue, Carlisle, PA
(800) 990-9108
/a/ i0jea/1. -"4 coldbeck_Jr.
GOLDBECK MCCAFFERTY i MCKESVBR
BY: Joseph A. Goldbeck, Jr., Esq.
Attorney for Plaintiff
Suite 500 - The Bourse Bldg.
111 S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
?.
C\i r?
V
PRAECIPE FOR WRIT OF EXECUTION - (MORTGAGE FORECLOSURE)
P.R.C.P 3180-3183
Joseph A. Goldbeck, Jr.
Attorney I.D.#16132
Suite 500 - The Bourse Bldg.
111 S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
Attorney for Plaintiff
AAMES FUNDING CORP.
P.O. Box 76930
Los Angeles, CA 90076
Plaintiff
V8.
RICHARD L. PICKEN (Mortgagor(s)
and Record Owner(s))
257 Roxbury Road
Newville, PA 17241
Defendant(s)
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY
CIVIL ACTION - LAW
:ACTION OF MORTGAGE FORECLOSURE
Term
No. 99-6517 CIVIL
PRAECIPE FOR WRIT OF EXECUTION
TO THE PROTHONOTARY:
Issue Writ of Execution in the above matter:
Amount Due
Interest from 4/ 1/99 to
7/31/00 at 11.750%
(Costs to be added)
-x:940, 7Pa. `1
$ 106-rtO" 7
$ x`74 ssas 96
J'A P"r- C-1 [( wi-/? J'F-.-wlk tA4 6-td-LL)
?i5 \'?'
Previous Image
Refillmed to Correct
Possible Error
? s
i'' ??t 1 1
a
ro
O
H U
u a
U
H in N u 100
-
to
o
> u
l
o r
m
m L4 H w? as
N
a
O
z U q
fil w
o?+
o' V
f11 a
N
(D
0
9
H rT.. l(1 G)
N
z
H
m
to
O
O UO
X"o0
d
W 10
H
?a
n a
V
rnm
In
H
w
.r, M
j
V N
rd CC4,
W m V a H
o
,
v
w H axe
y N 13-A ?
O O d N
°
i
n H ?
V 1
4
a
rl
?
? H
H
TRACT NO. 1
ALL THAT CERTAIN tract of land situate in Lower Mifflin Township, Cumberland County, Pennsylvania, as
shown on a Survey of Elam S. Fisher, prepared by Thomas Alvin Neff, Registered Surveyor, bounded and
described as follows, to wit:
BEGINNING in the center of Legislative Route 21001 at the Southwest comer of the herein-described
premises; THENCE leaving said road and crossing over an iron pin 20 feet from the center of said road,
North 46 degrees 40 minutes West, 200.00 feet to an iron pin; THENCE North 42 degrees 20 minutes East,
200.00 feet to an iron pin; THENCE South 46 degrees 40 minutes East 200 feet to a spike, having passed
over an iron pin 20 feet from the center of said road; THENCE in and along the center of said Legislative
Route 21001. South 43 degrees 20 minutes West, 200.00 feet to the Point of BEGINNING.
TRACT NO. 2
ALL THAT CERTAIN tract of land situate in Lower Mifflin Township, Cumberland County, Pennsylvania,
bounded and described pursuant to a Survey by Thomas A. Neff, Registered Surveyor, dated August 22,
1975, and approved by the Planning Commission of Cumberland County of 1975, as follows:
BEGINNING at a spike In the center of Pennsylvania Highway Route No. 944 (also known as L.R. 21001)
at comer of other land now or late of Elam S. and Florence G. Fisher; THENCE by the center of said Road,
South 43 degrees 20 minutes West, 20 feel to a spike; THENCE by land now or late of William B. and Anna
S. Fisher, North 45 degrees 40 minutes West, 280.62 feet to an Iron pin; THENCE by the same, North 36
degrees 20 minutes West 385.64 feet to an iron pin; THENCE by the same, North 43 degrees 20 minutes
East, 280.83 feet to an iron pin; THENCE by the same South 46 degrees 40 minutes East, 660.00 feet to
a spike in the center of the public road aforesaid; THENCE by the center of said road, South 43 degrees
20 minutes West, 130 feet to a spike; THENCE by said other land now or late of Elam S. and Florence C.
Fisher, North 46 degrees 40 minutes West, 200.00 feet to an Iron pin; THENCE by the same, South 43
degrees 20 minutes West, 200.00 feet to an iron pin; THENCE by the same, South 46 degrees 40 minutes
East, 200.00 feet to the place of BEGINNING.
EXCEPTING THEREFROM ALL THAT CERTAIN piece or parcel of land lying, situate and being in the
Township of Lower Mifflin, County of Cumberland, bounded and described as follows, to wit:
BEGINNING in centerline of State Route 997 at an existing Parker Kalon nail; thence along centerline of
PA 997 South 43 degrees 31 minutes 39 seconds West 108.39 feet to a railroad spike; thence along tract
#2 now or formerly of Richard Picken, of which this lot was formerly a part, North 46 degrees 39 minutes
31 seconds West 301.78 feet to an Iron pin; thence continuing along Tract #2 North 43 degrees 31 minutes
39 seconds East 138.39 feet to an iron pin; thence along lands now or formerly of John X. Wright South
46 degrees 39 minutes 31 seconds East 301.78 feet to the place of beginning.
IMPROVEMENTS consist of a residential dwelling.
BEING PREMISES: 257 Roxbury Road, Newville, PA 17241
SOLD as the property of RICHARD L. PICKEN
TAX PARCEL #15-05-0413-060
I'
GOLDBECK McCAFFERTY & McKEEVER
BY: Joseph A. Goldbeck, Jr.
Attorney I.D.#16132
Suite 500 - The Bourse Bldg.
111 S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
Attorney for Plaintiff
AAMES FUNDING CORP.
P.O. Box 76930
Los Angeles, CA 90076
Plaintiff
vs.
RICHARD L. PICKEN (Mortgagor(s)
and Record Owner(s))
257 Roxbury Road
Newville, PA 17241
Defendant(s)
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY
CIVIL ACTION - LAW
:ACTION OF MORTGAGE FORECLOSURE
Term
No. 99-6517 CIVIL
AFFIDAVIT PURSUANT TO RULE 3129
AAMES FUNDING CORP., Plaintiff in the above action, by its
attorney, Joseph A. Goldbeck, Jr., Esquire, sets forth as of the
date the praecipe for the writ of execution was filed the
following information concerning the real property located at:
257 Roxbury Road, Newville, PA 17241
1. Name and address of Owner(s) or Reputed Owner(s):
RICHARD L. PICKEN
c/o Richard E. Freeburn, Esquire
4775 Linglestown Road, Suite 200
Harrisburg, PA 17112
2. Name and address of Defendant(s) in the judgment:
RICHARD L. PICKEN
c/o Richard E. Freeburn, Esquire
4775 Linglestown Road, Suite 200
Harrisburg, PA 17112
t
3. Name and last known address of every judgment creditor whose
judgment is a record lien on the property to be sold:
RUSSELL PLYWOOD INC.
401 Old Wyomissing Road
Reading, PA 10611-1507
PENNSYLVANIA DUTCH CO. INC. t/d/b/a/ PENNSYLVANIA DUTCH
CANDLES
c/o Frances H. Del Duca ID #6269
10 West High Street
Carlisle, PA 17013
4. Name and address of the last recorded holder of every mortgage
of record:
5. Name and address of every other person who has any record
interest in or record lien on the property and whose interest may
be affected by the sale:
6. Name and address of every other person of whom the plaintiff
has knowledge who has any record interest in the property which
may be affected by the sale.
7. Name and address of every other person of whom the plaintiff
has knowledge who has any interest in the property which may be
affected by the sale.
(attach separate sheet if more space is needed)
I verify that the statements made in this affidavit are true
and correct to the best of my personal knowledge or information
and belief. i understand that false statements herein are made
subject to the penalties of 18 Pa. C.S. Section 4904 relating to
unsworn falsification to authorities. A
DATED: July 31, 2000
BY: Jbls9ph A. Goldbec/, 'Jr., Esq.
Attorney for Plai tiff
r
r ,
A
a
a
`a
1 Ip
p, ? 1
r j
1
4
s r art
n
JITm-".7 ? ?...+nan?em ?m?eww+ +arrvrn ».K°YT,rtr"f,yu+•*u. •. .. - ?+ ••??•war-.w..: '.m»+.ry.avrr..^ "'.: ^Q<T'
r
GOLDBECK McCAFFERTY & McKEEVER
BY: Joseph A. Goldbeck, Jr.
Attorney I.D.#16132
Suite 500 - The Bourse Bldg.
111 S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
Attorney for Plaintiff
AAMES FUNDING CORP.
P.O. Box 76930
Los Angeles, CA 90076
Plaintiff
VS.
RICHARD L. PICKEN (Mortgagor(s)
and Record owner(s))
257 Roxbury Road
Newville, PA 17241
Defendant(s)
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY
CIVIL ACTION - LAW
:ACTION OF MORTGAGE FORECLOSURE
Term
No. 99-6517 CIVIL
THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING
TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN
ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED
FROM YOU WILL BE USED FOR THAT PURPOSE.
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO:
RICHARD L. PICKEN
c/o Richard E. Freeburn, Esquire
4775 Linglestown Road, Suite 200
Harrisburg, PA 17112
Your house at 257 Roxbury Road, Newville, PA 17241 is
scheduled to be sold at Sheriff's Sale on December 6, 2000, at
10:00 a.m., in Cumberland County, Commissioners Hearing Room, 2nd
Floor, Courthouse, Carlisle, PA 17013 to enforce the court
judgment of $105,105.97 obtained by AAMES FUNDING CORP. against
you.
NOTICE OF OWNER'S RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE - -'",
To prevent this Sheriff's Sale you must take immediate
action:
1. The sale will be cancelled if you pay to AAMES FUNDING
CORP., the back payments, late charges, costs and reasonable
attorney's fees due. To find out how much you must pay call:
215-627-1322
2. You may be able to stop the sale by filing a petition asking
the Court to strike or open judgment, if the judgment was
f
a
improperly entered. You may also ask the Court to postpone the
sale for good cause.
3. You may also be able to stop the sale through other legal
proceedings.
You may need an attorney to assert your rights. The sooner
you contact one, the more chance you will have of stopping the
sale. (See notice below on how to obtain an attorney).
1. If the Sheriff's sale is not stopped, your property will be
sold to the highest bidder. You may find out the price bid price
by calling the Sheriff of County at (717) 240-6390.
2. You may be able to petition the Court to set aside the sale
if the bid price was grossly inadequate compared to the value of
your property.
3. The sale will go through only if the buyer pays the Sheriff
the full amount due in the sale. To find out if this has
happened, you may call the Sheriff of Cumberland County at (717)
240-6390.
4. If the amount due from the Buyer is not paid to the Sheriff,
you will remain the owner of the property as if the sale never
happened.
5. You have a right to remain in the property until the full
amount due is paid to the Sheriff and the Sheriff gives a deed to
the buyer. At that time, the buyer may bring legal proceedings to
evict you.
6. You may be entitled to a share of the money which was paid
for your house. A schedule of distribution of the money bid for
your house will be filed by the Sheriff thirty (30) days from the
date of the Sheriff's Sale. This schedule will state who will be
receiving that money. The money will be paid out in accordance
with this schedule unless exceptions (reasons why the proposed
distribution is wrong) are filed with the Sheriff within ten (10)
days after the schedule of distribution is filed.
7. You may also have other rights and defenses, or ways of
getting your house back, if you act immediately after the sale.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Cumberland County Bar Association
7 Liberty Avenue, Carlisle, PA
(100) 990.9108
Legal services Inc.
8 Irvine Row, Carlisle, PA 17031
(717) 943-9100
l
s y4? _
y S
^? n
t O
p
i
d ?f
}
? .y
31
+?Y
n?
1
rra•••w• e. ...n?.wwvwW ?"'•` ""e#AY,Gptt4"•-+iu.o- ?` -? $s 7ii'
GOLDBECK McCAFFERTY & McKEEVER
Joseph A. Goldbeck, Jr.
Attorney I.D.#16132
Suite 500 - The Bourse Bldg.
111 S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
Attorney for Plaintiff
AAMES FUNDING CORP.
P.O. Box 76930
Los Angeles, CA 90076
Plaintiff
Va.
RICHARD L. PICKEN (Mortgagor(s)
and Record Owner(s))
257 Roxbury Road
Newville, PA 17241
Defendant(s)
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY
CIVIL ACTION - LAW
:ACTION OF MORTGAGE FORECLOSURE
Term
No. 99-6517 CIVIL
CERTIFICATION AS TO THE SALE OF REAL PROPERTY
I, Joseph A. Goldbeck, Jr., Esquire hereby certify that I am
the attorney of record for the Plaintiff in this action, and I
further certify that this property is subject to Act 91 of 1983
and the Plaintiff has complied with all the provisions of the
Act. n A . A- n( ?
dbeck,
Plaint
?"
t` V?
- `
?? ?? .
??-r
+?1=
?:.:' ?? -ern
_ :: ?
.r
i' L ,t,
-
??.
' ..-?
? ?? Li
3;
Sj
.i.
,..?.
??n'?":
„? ri
i
{e
'<1.'£,
?;,?
Aames Funding Corp. In The Court of Common Pleas of
-vs- Cumberland County, Pennsylvania
Richard L. Picken No. 1999-6517 Civil
R. Thomas Kline, Sheriff, who being duly swom according to law, says this writ
is returned STAYED.
Sheriffs Costs:
Docketing 30.00
Poundage 3.55
Advertising 15.00
Posting Bills 15.00
Law Library .50
County 1.00
Mileage 8.68
Certified Mail 9.15
Levy 15.00
Postpone Sale 20.00
Surcharge 40.00
Share of Bills 2115
$ 181.03 Pd By Atty
12/01/00
Sworn and subscribed to before me So al*"
R. Thomas Kline, Sheriff
This ?? "G' day of /i.Qt?-c..,.?.?....
2000, A.D. n BY-
r thonotary Real Estate Deputy
J.s Na,
R441.
aW??
/040/v-
GOLDBECK McCAFFERTY & MCKEEVER
BY: Joseph A. Goldbeck, Jr.
Attorney I.D.#16132
Suite 500 - The Bourse Bldg.
Ill S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
Attorney for Plaintiff
AAMES FUNDING CORP.
P.O. Box 76930
Los Angeles, CA 90076
Plaintiff
Vs.
RICHARD L. PICKEN (Mortgagor(s)
and Record owner(s))
257 Roxbury Road
Newville, PA 17241
Defendant(s)
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY
CIVIL ACTION - LAW
:ACTION OF MORTGAGE FORECLOSURE
Term
No. 99-6517 CIVIL
AFFIDAVIT PURSUANT TO RULE 3129
AAMES FUNDING CORP., Plaintiff in the above action, by its
attorney, Joseph A. Goldbeck, Jr., Esquire, sets forth as of the
date the praecipe for the writ of execution was filed the
following information concerning the real property located at:
257 Roxbury Road, Newville, PA 17241
1. Name and address of Owner(s) or Reputed Owner(s): :r
RICHARD L. PICKEN
c/o Richard E. Freeburn, Esquire ...;?
4775 Linglestown Road, Suite 200
Harrisburg, PA 17112
2. Name and address of Defendant(s) in the judgment:
RICHARD L. PICKEN
a?F
c/o Richard E. Freeburn, Esquire
4775 Linglestown Road, Suite 200
Harrisburg, PA 17112
n
?
s
3. Name and last known address of every judgment creditor whose
judgment is a record lien on the property to be sold:
RUSSELL PLYWOOD INC.
401 Old Wyomissing Road
Reading, PA 10611-1507
PENNSYLVANIA DUTCH CO. INC. t/d/b/a/ PENNSYLVANIA DUTCH
CANDLES
C/o Frances H. Del Duca ID #6269
10 West High Street
Carlisle, PA 17013
4. Name and address of the last recorded holder of every mortgage
of record:
5. Name and address of every other person who has any record
interest in or record lien on the property and whose interest may
be affected by the sale:
6. Name and address of every other person of whom the plaintiff
has knowledge who has any record interest in the property which
may be affected by the sale.
7. Name and address of every other person of whom the plaintiff
has knowledge who has any interest in the property which may be
affected by the sale.
(attach separate sheet if more space is needed)
I verify that the statements made in this affidavit are true
and correct to the beat of my personal knowledge or information
and belief. I understand that false statements herein are made
subject to the penalties of 18 Pa. C.S. Section 4904 relating to
unsworn falsification to authorities.
DATED: July 31, 2000
GAFFER & McKEEVER
G V
BY: J a ph A. Gold bec Jr., Esq.
Attorney for Plai tiff
1
GOLDBECK MCCAFFERTY & MCKEEVER
BY: Joseph A. Goldbeck, Jr.
Attorney I.D.#16132
Suite 500 - The Bourse Bldg.
111 S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
Attorney for Plaintiff
AAMES FUNDING CORP.
P.O. Box 76930
Los Angeles, CA 90076
Plaintiff
Va.
RICHARD L. PICKEN (Mortgagor(s)
and Record Owner(s))
257 Roxbury Road
Newville, PA 17241
Defendant(s)
: IN THE COURT OF COMMON PLEAS
OF CUMBERLANC
CIVIL ACTION
:ACTION OF MORTGAGE
Term
No. 99-6517
COUNTY
- LAW
FORECLOSURE
CIVIL
THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING
TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN
ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED
FROM YOU WILL BE USED POR THAT PURPOSE.
TO: NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
RICHARD L. PICKEN
c/o Richard E. Freeburn, Esquire
4775 Linglestown Road, Suite 200
Harrisburg, PA 17112
Your house at 257 Roxbury Road, Newville, PA 17241 is
scheduled to be sold at Sheriff's Sale on December 6, 2000, at
1
Floor, 0:00 a.m., in Cumberland county, commissioners Hearing Room, 2nd
judgment ooft$105,105.97iobtained byOAAMES FUNDING CORP. against-
you. g
NOTICE OF OWNER'S RIGHTS
ueYaiCC O •7HJJ -•••• vLY MahYypbW
To prevent this Sheriff's Sale you must take imm dia
action: ,,,1
i. The sale will be cancelled if you pay to AAMES FUNDING
CORP., the back payments, late charges, costs and reasonable
attorney's fees due. To find out how much you must pay call:
215-627-1322
2. You may be able to stop the sale by filing a petition asking
the Court to strike or open judgment, if the judgment was
improperly entered. You may also ask the Court to postpone the
sale for good cause.
3. You may also be able to stop the sale through other legal
proceedings.
You may need an attorney to assert your rights. The sooner
you contact one, the more chance you will have of stopping the
sale. (See notice below on how to obtain an attorney).
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER
RIGHTS EVEN IF THE SHERIFF'S SALE DOES NOT TARE PLACE,
1. If the Sheriff's Sale is not stopped, your property will be
sold to the highest bidder. You may find out the price bid price
by calling the Sheriff of County at (717) 240-6390.
2. You may be able to petition the Court to set aside the sale
if the bid price was grossly inadequate compared to the value of
your property.
3. The sale will go through only if the buyer pays the Sheriff
the full amount due in the sale. To find out if this has
happened, you may call the Sheriff of Cumberland County at (717)
240-6390.
4. If the amount due from the Buyer is not paid to the Sheriff,
you will remain the owner of the property as if the sale never
happened.
5. You have a right to remain in the property until the full
amount due is paid to the Sheriff and the Sheriff gives a deed to
the buyer. At that time, the buyer may bring legal proceedings to
evict you.
6. You may be entitled to a share of the money which was paid
for your house. A schedule of distribution of the money bid for -
your house will be filed by the Sheriff thirty (30) days from the -
date of the Sheriff's Sale. This schedule will state who will be
receiving that money. The money will be paid out in accordance
with this schedule unless exceptions (reasons why the proposed ;
distribution is wrong) are filed with the Sheriff within ten (10)
days after the schedule of distribution is filed.
7.- You may also have other rights and defenses, or-ways of
getting your house back, if you act immediately after the sale.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Cumberland County Bar Association
2 Liberty Avenue, Carlisle, PA
(800) 990.9108
Legal Services Inc.
B Irvine Row, Carlisle, PA 17017
(717) 241-9900
TRACT NO. 1
ALL THAT CERTAIN tract of land situate in Lower Mifflin Township, Cumberland County,
Pennsylvania, as shown on a Survey of Elam S. Fisher, prepared by Thomas Alvin Neff,
Registered Surveyor, bounded and described as follows, to wit:
BEGINNING in the center of Legislative Route 21001 at the Southwest corner of the herein-
described premises; THENCE leaving said road and crossing over an iron pin 20 feet from the
center of said road, North 46 degrees 40 minutes West, 200.00 feet to an iron pin; THENCE North
42 degrees 20 minutes East, 200.00 feet to an iron pin; THENCE South 46 degrees 40 minutes
East 200 feet to a spike, having passed over an Iron pin 20 feet from the center of said road;
THENCE in and along the center of said Legislative Route 21001. South 43 degrees 20 minutes
West, 200.00 feet to the Point of BEGINNING.
TRACT NO. 2
ALL THAT CERTAIN tract of land situate in Lower Mifflin Township, Cumberland County,
Pennsylvania, bounded and described pursuant to a Survey by Thomas A. Neff, Registered
Surveyor, dated August 22, 1975, and approved by the Planning Commission of Cumberland
County of 1975, as follows:
BEGINNING at a spike in the center of Pennsylvania Highway Route No. 944 (also known as L.R.
21001) at corner of other land now or late of Elam S. and Florence G. Fisher; THENCE by the
center of said Road, South 43 degrees 20 minutes West, 20 feet to a spike; THENCE by land now
or late of William B. and Anna S. Fisher, North 45 degrees 40 minutes West, 280.62 feet to an iron
pin; THENCE by the same, North 36 degrees 20 minutes West 385.64 feet to an Iron pin; THENCE
by the same, North 43 degrees 20 minutes East, 280.83 feet to an iron pin; THENCE by the same
South 46 degrees 40 minutes East, 660.00 feet to a spike in the center of the public road
aforesaid; THENCE by the center of said road, South 43 degrees 20 minutes West, 130 feet to a
spike; THENCE by said other land now or late of Elam S. and Florence C. Fisher, North 46
degrees 40 minutes West, 200.00 feet to an iron pin; THENCE by the same, South 43 degrees 20
minutes West, 200.00 feet to an iron pin; THENCE by the same, South 46 degrees 40 minutes
East, 200.00 feet to the place of BEGINNING.
EXCEPTING THEREFROM ALL THAT CERTAIN piece or parcel of land lying, situate and being
in the Township of Lower Mifflin, County of Cumberland, bounded and described as follows, to wit:
BEGINNING in centerline of State Route 997 at an existing Parker Kalon nail; thence along
centerline of PA 997 South 43 degrees 31 minutes 39 seconds West 108.39 feet to a railroad
spike; thence along tract #2 now or formerly of Richard Picken, of which this lot was formerly a
part, North 46 degrees 39 minutes 31 seconds West 301.78 feet to an iron pin; thence continuing
along Tract #2 North 43 degrees 31 minutes 39 seconds East 138.39 feet to an iron pin; thence
along lands now or formerly of John X. Wright South 46 degrees 39 minutes 31 seconds East
301.78 feet to the place of beginning.
TAX PARCEL #15-05-0413-060
BEING PREMISES: 257 Roxbury Road, Newville, PA 17241
WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA) NO. 99-6517 CIVIL W -22M
COUNTY OF CUMBERLAND) CIVIL ACTION . LAW
TO THE SHERIFF OF Cumberland COUNTY:
To satisfy the debt, interest and costs due Aames funding Corp.
PLAINTIFF(S)
from Richard L. Picken (Mortgagor(s) and Record Owner(s)), 257 Roxbury Road, Newville,
PA, 17241
DEFENDANT(S)
(t) You are directed to levy upon the property of the defendant(s) and to sell_ See Legal Description
(2) You are also directed to attach the property of the defendant(s) not levied upon In the possession of
GARNISHEE(S) as follows:
and to ratify the gamishee(s) that: (a) an attachment has been Issued; (b) the gamishee(s) is/are enjoined from paying any
debt to or for the account of the defendant(s) and from delivering any property of the defendam(s) or otherwise disposing
thereof;
(3) Ilpropertyoflhedefendani(s)notlevied upon ansubject toallachmentIsfoundinthepossessionofanyoneolher
than a named gamishee, you are directedto notify hinvherthat he/she has been added as a garnishee and is enjoined as above
stated.
Amount D 96 1
to 713
t 508-
Interest 57.545.96
L.L.
$.50
Atty's Comm %
Due Prolhy $1.00
Other Costs $779.40
Atty Paid $107.30
Plaintiff Paid
Date: August 2, 2000 _ Curtis R. Long
Prothonnoottaryc,-Ciivill Division
by: ./J oink C./y/rnit-.N.
- -
REQUF_STING PARTY: Deputy
Name Joseph A. Goldbeck, Jr.
Address: Suite 500 - The Bourse Bldg.
Philadelphia, PA 19106
Attorney for: Plaintiff
Telephone; 215-627-1322
Supreme Court ID No. 16132
REAL ESTATE SALE No.) o
On 9 22 O the sheriff levied upon the defendants ?I
Interest in the real property situated In
Cumberland County, Pa., known and numbered as: as
and more fully described on Exhibit "A" filed with
this writ and by this reference incorporated herein.
^ate: g gy;?
O
r1
0
GS
tea
'GOLDBECK, MCCAFFERTY & MCKEEVER
Suite 500 - The Bourse Bldg.
111 S. Independence Mall East
Philadelphia, PA 19106
215-627-1322
BY: MICHAEL T. MCKEEVER, ESQUIRE
Attorney I.D. 456129
Attorney for Plaintiff
AAMES FUNDING CORP.
P.O. Box 76930
Los Angeles, CA 90076
VS.
RICHARD L. PICKEN
(Mortgagor(s))
(Record Owner(s))
257 Roxbury Road
Newville, PA 17241
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY
Term
No. 99-6517 CIVIL
PRAECIPE TO DISCONTINUE AND END
TO THE PROTHONOTARY:
Kindly mark the above case Discontinued and Ended upon
payment of your costs only.