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HomeMy WebLinkAbout99-07595 N YAK FEDERAL NATIONAL MORTGAGE ASSOCIATION Plaintiff VS. CAROL R. PACE Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 99- '7-S*9S eto?L`rZA-n, : CIVIL ACTION - LAW - : IN 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. N O T I C E You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after the Complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 2 Liberty Ave., Carlisle, PA 17013 717-249-3166 Legal Services, Inc. 8 Irvine Row, Carlisle, PA 17013 717-243-9400 A V I S O LE RAN DEMANDADO A USTED EN LA CORTE. SI DESEA DEFENDERSE CONTRA LAS QUEJAS PERESENTADAS, ES ABSOLUTAMENTE NECESSARIO QUE USTED RESPONDA DENTRO DE 20 DIAS DESPUES DE SER SERVIDO CON ESTA DEMANDA Y AVISO. PARA DEFENDERSE ES NECESSARIO QUE USTED, O SU ABOGADO, REGISTRE CON LA COUTE EN FORMA ESCRITA, EL PUNTO DE VISTA DE USTED Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA. RECUERDE: SI USTED NO REPONDE A ESTA DEMANDA, SE PUEDE PROSEGUIR CON EL PROCESO SIN SU PARTICIPACION. ENTONCES, LA COUTE PUEDE, SIN NOTIFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y REQUERIRA QUE USTED CUMPLA CON TODAS LAS PROVISIONES DE ESTA DEMANDA. POR RAZON DE ESA DECISION, ES POSSIBLE QUE USTED PUEDA PERDER DINERO, PROPIEDAD U OTROS DERECHOS IMPORTANTES. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. SI NO CONOCE A UN ABOGADO, LLAME AL "LAWYER REFERENCE SERVICE" (SERVICIO DE REFERENCIA DE ABOGADOS), 215-238-6300. Cumberland County Bar Association 2 Liberty Ave., Carlisle, PA 17013 717-249-3166 Legal Services, Inc. 8 Irvine Row, Carlisle, PA 17013 717-243-9400 FEDERAL NATIONAL MORTGAGE ASSOCIATION Plaintiff VS. CAROL R. PACE Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. CIVIL ACTION - LAW - IN MORTGAGE FORECLOSURE THE FOLLOWING NOTICE IS BEING PROVIDED PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C. 51601: The undersigned attorney is attempting to collect a debt owed to the Plaintiff, and any information obtained will be used for that purpose. The amount of the debt is stated in this Complaint. Plaintiff is the creditor to whom the debt is owed. Unless the Debtor, within thirty (30) days after your receipt of this notice disputes the validity of the aforesaid debt or any portion thereof owing to the Plaintiff, the undersigned attorney will assume that said debt is valid. If the Debtor notifies the undersigned attorney in writing within the said thirty (30) day period that the aforesaid debt, or any portion thereof, is disputed, the undersigned attorney shall obtain written verification of the said debt from the Plaintiff and mail same to Debtor. Upon written request by Debtor to the undersigned attorney within said thirty (30) day period, the undersigned attorney will provide debtor with the name and address of the original creditor if different from the current creditor. PURCELL, KRUG & HALLER Leon P. Haller, Esquire 1719 North Front Street Harrisburg, PA 17102-2392 (717)234-4178 Attorney ID #15700 Attorney for Plaintiff FEDERAL NATIONAL MORTGAGE ASSOCIATION Plaintiff CAROL R. PACE VS. Defendant : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA NO. 99• ?s?N' Cu aP T?•- CIVIL ACTION - LAW - IN MORTGAGE FORECLOSURE C O M P L A I N T 1. Plaintiff, FEDERAL NATIONAL MORTGAGE ASSOCIATION, is a corporation originated under an Act of Congress and existing pursuant to the Federal National Mortgage Association Charter Act, acting through its servicing agent of Homeside Lending, Inc., with an address of 8120 Nations Way, Building 100, Jacksonville, Florida 32256. 2. Defendant, CAROL R. PACE, is an adult individual whose last known address is 4 SHOEMAKER LANE, MECHANICSBURG, PENNSYLVANIA 17055. 3. On or about November 22, 1998, the said Defendant executed and delivered a Mortgage Note in the sum of $68,400.00 payable to HILL FINANCIAL SAVINGS ASSOCIATION, which Note is attached hereto and marked Exhibit "A" 4. Contemporaneously with and at the time of the execution of the aforesaid Mortgage Note, in order to secure payment of the same, Defendant made, executed, and delivered to original Mortgagee, a certain real estate Mortgage which is recorded in the Recorder of Deeds Office of the within County and Commonwealth conveying to original Mortgagee the subject premises. The Mortgage was subsequently assigned to FEDERAL NATIONAL MORTGAGE ASSOCIATION and will be sent for recording. Said Mortgage and Assignment are incorporated herein by reference. 5. The land subject to the Mortgage is: 4 SHOEMAKER LANE, MECHANICSBURG, PENNSYLVANIA 17055 and is more particularly described in Exhibit "B" attached hereto. 6. The said Defendant is the real owner of the land subject to the Mortgage. 7. The Mortgage is in default due to the fact that Mortgagor has failed to pay the installment due on August 1, 1999 and all subsequent installments thereon, and the following amounts are due on the Mortgage: (a) Unpaid principal balance (b) Interest at $8.83 per day from 7/1/99 to 1/1/00 (based on contract rate of 9.875%) (c) Accumulated Late Charges (d) Late charges at $18.59 per month for 6 months (e) Escrow Credit (f) 5°s Attorney's Commission $ 46,918.30 1,624.72 0.00 111.54 554.46 2,345.91 $ 50,446.01 *Together with interest at the per diem rate noted in (b) above after December 1, 2000 and other charges and costs to date of Sheriff's Sale. 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 that are actually incurred by Plaintiff. 8. No judgment has been entered upon said Mortgage in any jurisdiction. 9. Notice of intention to foreclose and accelerate the loan balance pursuant to Pennsylvania Act No. 6 of 1974 is not required in that the original principal balance exceeds $50,000.00. 10. Defendant is not a member of the Armed Forces of the United States of America, nor engaged in any way which would bring her within the Soldiers and Sailors Relief Act of 1940, as amended. 11. Plaintiff has complied with the procedures required by Pennsylvania Act 91 of 1983 (Homeowners' Emergency Mortgage Assistance Payments Program) and Defendant has either failed to meet the time limitations as set forth therein or has been determined by the Housing Finance Agency not to qualify for assistance. WHEREFORE, Plaintiff demands judgment in Mortgage foreclosure "IN REM" for the aforementioned total amount due together with interest at the rate of 9.875°s ($8.83 per diem), together with other charges and costs including escrow advances incidental thereto to the date of Sheriff's Sale and for foreclosure and sale of the property within described. PURCELL/?UG b HALLER By / ??C Lee P. Haller Attorney for Plaintiff I.D. #15700 1719 N. Front Street Harrisburg, Pa. 17102 (717) 234-4178 •• H Is"lavun) Indet Hale t+I.% elted Hate t'uwrnlullllybuna I INS NOI E CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY INTEREST RATE AN(I MY MONTHLY PAVMENL THIS NOTE I IMI7S THE AMOUNT MY ADJUSTABLE IN- 1 ENEST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE I MUST PAY. I HIS NOTE ALSO CONTAINS THE OPTION TO CONVERT MY ADJUSTABLE RATE TO A FIXED HATE. ......, .: N nn :1••Innr :.l"n'1 1'urOn+Ir..el. ,u ...., ).u I.n,. 9r. hell 1. .1. 'If'. 1'oe:..: 1. u.ln I/IIbY Ihq.n +.u•...I 111'II(H(1111 HIS VRIIAHA\ I01U In gcc I I.•, A h4n 11,41 l hair 1, eli'j. I I•w.low b, pa) I-h /his,-tn1.lots 111,11 a1bmnl nulled {•lupgwl ). you. nwlel. N. me wide in fl CVfn.nc`l i 1'1frSSv.t a . YnYa A.eilcta tun ••. 1 ulukuUAJ Iha1 the I ruder nu) it .110,11 this Nlae The I.erWer of Ill)aek wlwa Yke/ IS, N,ae b) ItN'des And .h, „ QIIIIIIN us Kaelle jy)nsrllb ulwel 16O Nine N Called the "N,Me Huld<r" J. 1\TEHEhT Inwretl well be char ed sea unpasl peWpa1 umd OW full M,,nn W pnWlpd had been pail I well pd) ,unu a' a )erly race,:( InIl i. The interest raw I will pay ms) change in ucwdance w6?Snlssu 1 or 5W do Nine The mwnN rate required by this Seeum S and Scctams 6 w S d this Sine I. Use rate 1 will pa) bank "m ail alkr an) de(1u11 desenbed m SWIM 11(131 14 this Nate J. PAVA E\l1 (A) Time and flue of 19s)nsena I wdl pay pllnclpal wd Interest to nuking ppIIKMx e q mnlh 1 cell nuke m) nalnlhly pa)nlenu din the Rrtl 4 d cacti nluanh twpnnn 4 aa' . Jatiwry 1, 19 119.J% dl ma4 them prynkns ever)nwmh umil l have pea[ all of the pnWRW cat0 inenx elan any Idler charters dcurlbed brew that I nu, we umkr Ihn Nine 11ly rnunW) )wyrnenlx well be applied as ntnu beWn' pimagW It. Nn Drerobec. 1.2015, .. 1 will a.c enlwnu under Linoilne. I will pd) than amollms in Pull Inn dust date, whu,h is called the "nutulny date .' 1 well nuke my namthl) ppuklnv at _ 16 Vest High Street. Carl(sles Pennsylvania 11017 . .. w at • Jllklcm place it required by the Nine Iluld<r FBI Amuunl ul My Initial bimllhly HI)muts 1xh W m) iniud i umhly Minenla will be in the vnsmm aJ U S S A12-4.3 • „ This unwm au) t.NV MI blunlbl) WylNet (Taalgies (7wope in my nsWhly paynwnt will ullet change in the unpaid pnnclryl cf BW kun and in the Intrml rate 'hat I nwu pa) The Now Holder will Jeenulne too new, murcN rate and the cMngeJ Mnum 1/ my nsenkly is l in Ar,xint me wuh Sections 4 Nr 5 W Iles Mu d. ADJUSTABLE ISTF.RLST HATE AND MONTHI.S' PAYMENT CIIAN(:E1 (Al Change Di les The adjustable mwfesl face I will pi) nwy change un the Bni Jay of .Diccaborr., 1909... and Ice that 4 rep 121h nmMlh Iheralwr Each dam tin which my Adjustable inwrea rate caw{J change It called a "Change Date" IBl The Index Ikpnning with the rare Change Dace, airy Wjuwble inwreu raw will be based op an Index. The "InJn"L the weekly gemge field tin UmwJ Sales Treasury securities adjusted ill a conuinl sTwudry of I )ear. as Nude vml blc by Its; Fewtil Reserve EkaiJ Tin tinnl (teem Index figure available At n( the date 6S da)s he6ne tACh CMnge Date is culled the "Cmnnl Imka " If the Index is w lungcr andable. Inc M& IInIJer will chawse s new index whwh 4 based upinl anuparahk mbn• nubun. The Nine Huller will give nw mince of this chance. ICI Cakulutlan of Change Behave cNh Chanl<Uala, Ihn Nine lhJ.1o will calculate Illy new lnwic111Ym1 And tali+v-quarters I i. 7Po.i1 w the C'lurem Infra The Now Milder will l1wa nwnd the feauh tiltlln sold-m mldu twitc.l a" Eighth W Ina peraenuge pnan110.1!lil. Subject N UK hnms hated to Section At[)) behiw. this nwmkJ allwunl will he wry ww mkret raw until else ewe Change [law 'the Nl+e IluiJe will Ilwn Jcknmau [tic atmwnt IJ the IlNlmhly palnwnl that would be wllirmnt hl rrpay the Nnpad pllalryj that 11111 espccICJ NI agar It tiler Change Dee it full tin the nuwrity date I ray new mwmvt sew if eahvjniully equal pnurnn.'The mw(t uI this valculaunn *,H hhe, 'tt^hhe new missing of my nwmhly M)uwin EX P K/I H Ilulr.bralt CONVIXIIat1 AbwalAgaa nail sun - wan. a.,..1. - e-u- .. ,1-...._ -....---- III, I.le•M. w lrrr"I Neff l lofara Per w•r.n.lom rwl+.•.InM aOwrwllwfyr 11 t••11 ..rlr Maw- w Y•1nlerAn{.' Itrwrhrr w ..•. w.1 'r1 . 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Ile N'+c 114141e1 Iryuuee A dlllrlene oiettkJ. amt mNke char two IV sties, bile S.Y ll.,Lkl .,Jar In, %.Ar well Ir stern 11 mololg it 11 Iutl.L.,,ua le the Se.k II.dJrl .•I The a,6tko s jef .0 kill, wA. an+r.4 A. mllnrnt a.IJn•.' d 1 all k'nru a law.. 1. W that Jllklrnl addle.. In 0111 IIIAIJONS IIP PEI SONS CSIIER 11115 %(IIE It nkne 41.11 tine Is. -4 elgre I11I1 NOV. salts Wean n fully and prlrwll) d.lepalpl be .rep dl .a as, pI'Nlnw0 nu.k w41,104,4e, mduhng The p1111nne lopA) the full amwnl'urJ Any pelun wts'.uagual.rrr. wiryweaJ,Awl "1 ewe N 'r n dw "Negated u. du These twinge Any pcrteNt us Yes mcc thew uwlgAt . uuleal leg the .a.1lgalti ae . 1 a gu+l+nl•n, Wry I "Jose, it that N'Nr. I. dw ssbftgad 4, reap all ail the pllaalles header IN Wt % rat Ihn N,lt Ipddrf Tile) mbar, M ughb unJcl This Nt,le against rash prisaws individually W1141111{ u. 4liMrl Ihn neeun Thai ally low w us nu) be ragllued 16I pay all of The afropuratJlwd welt, Ihu Ilelr II. l\uPyxS I A J any tether prism who has Ilbllgah,m% unJel this Nw<wane use rights if pewsllawm ales music .{ JaJw.n.l 'Ihewmlucni' l wain the fight w require Ole Note IfolJet w dcnuW pa)nem d ntawy J11e -.%.Nke.<JubV.,l Ilecam The light it, rryuire the Nwe Ifuldel w gilt nwwe kl Whet paeans 4161 Alululllf dur hart two horn puJ 12. (INIh'(INhI SECURED N(yrkl ThI+Nwe uaumWnn m.vunwnl wish luuneJ ..nniummw,wlunldrehwls In+ddillun ail the prlNesmns p.en w the Nwe Holder under this Note. a Stungagc. IkJ of Trull or S<ellnay Deed Ithe "SceaIlly Imuunem"1, JAW O1. tango elate as this Note. prweek the Nwe Holler ties ponlble lussea whkh might reatll if l do me imp the pm. nuws uhwh 1 nu4 in This Note. Thal Sesuety Instrument deeallbe, hew and under what CaNllea s 1 rile. her Icquned wllule mutdukprymenl in full kfall anamnts l're under lhn Nwe Ssmle'{1Mlse c'dgbnsare JeslnheJ .: h{ors [At Until 1 eunise my Curverswn Option under the eanlaings sold in Srcu,n 3 of this AJ)uuahle Rise Nuk. Undorm Cmcesid 17 td The Sesvrily Inelmalcm is described as hallow; Twmfer of The property or a Brneflded Interest In BVrtoI'er. 11 all or any pan of he Peoperey fir an) mkrelt in 11 is wW it Innsfe•red lot if a,benefkiaf interest in Burrower is gold or Inmfened pad I1Nrnrer It nN A MILnl person) wllhwll 1xisler i prior wtinlen content. Lender may, at in option. require ime dWe payment in full '.f all tams secured by This S.rulily Inutulheol. Ilw,ner, this option .half MM be eaereited by leader it eumew is pngllhlred by Irdelal law As elf she date1{ this S<cumy Intimmenl. ' ender also shall mN curds, this option IP ql &un.an Mmrl owl he suhnuuW w 1.<ndcr ibfunluhon tequitd I, Infer w enluate the Inkrda31tamferm as of a new, bun uue hemg nude w the Iran Puree; and IN lender mat, a dy derenllines [bat Ia:Wrr's sacully well n.N he Impalled Mllwhemsnull1111"m to That it;mi.4+b14<hl{ ,y knenamof agrerntenlIll This SelvslylnnruowhT:1' ,e lit c 4, Irlkkr p I., Ilse uk,l IVnurllyd Iry +pphwlde law, L<uL r tit lhargr a Iesknlntele fee a' a <omf11um he 1 rod's" .nnvnl I-l the 1,.o at.u,gaw r I'sldel may i lul rrg,.1e Its lea .Jake 1,1 life an uswnphun a(r,e0e11I Out n 11, eepuhlr hl I • 11.1,1 uol Oil .J.1q,te. d+• 11.1nlrnr In 14'1'11 all III'. 11 llllw'4 aIMI +glecen,111e Ilrelr In Iflr Mlle UNI 111 IIIM k. 1.1110 llhllallk'Ill I1111W''I .111.n"Iffiae W IV 11141$aIM 41.Je Ilse Note and this Scwm) InuNnwul wdne I cu,1e1 k•14.v% (4,11..1'1 IN stionly It Irwet r,cmeceTler ulM1nn 411r11iI11Y 11111hrJae <)IIKIII III full, LenderViallglle Bwnur11N1111t,wl A,elelp 1,•'u Ilea uahs ebJl ynnwe a frn.l ail ma Ins IL+n Ihl+y1. 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I IVIY.II . ............ . rl,Yrv +li11111II Iy1111Vf11114 I. •?\.r, I; ,I..,. .. •. n1111.1••r •, 11.• 1 1 • I I „ I.r.kl .' nH11v '• y1MMW by Illtd W II • 0.• Y.-•, •L P' n. y I. 1 . n.+ 11•••-.n •b, V1 •• • +• I•I. ..•. ..? rq•. 1.•.1+••1 N•• .. lA rl IYn Ibr+i-IAIII •.•' ' nr • I? .tN 1.•I h r • r$ I All RY,A 111 I . . rw •A r..A,h RYII,?II by • IM . r L,,. .• •.. Ir n• IN • ? ,• ..M 1, 11 .. ..I, ..fP •.... ,I V b N ' •••.Hr'IN?.?. IhIL V'" :fPw mry llpA" J?M ? . I , r.wl- 1 •I'•'In\• ,1•. L +•?••M L.••4. 1.1. . Mql\, ••n 11 wl11rr1 1 r na L, .. ... .. \ ,u 1 L .I•p. t L ?j?f E? Owl A Owl 00 ..r •. yx .LVI. IInIA•w ,.? 11..h•.w U." IuISItlMY issue rilr ?L? ?, ti 5 d ?S 7 M e1-:2 COMPANY NAME: HOMESIDE LENDING, INC., ASA9BmmrFCINIIQm FE EM N=IAL NEFMM AS'4JCIATSQV VERIFICATION I verify that the statements made in the foregoing Complaint 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: DROsrter 17, 1999 Steven A. TITLE: Vice President U v SHERIFF'S RETURN - REGULAR CASE NO: 1999-07595 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND FEDERAL NATIONAL MORTGAGE VS PACE CAROL R CPL. MICHAEL BARRICK , Sheriff or Deputy Sheriff of Cumberland County, Pensylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon PACE CAROL R the DEFENDANT at 0014:10 HOURS, on the 22nd day of December , 1999 at 4 SHOEMAKER LANE MECHANICSBURG, PA 17055 by handing to CAROL R. PACE a true and attested copy of COMPLAINT - MORT FORE together with NOTICE and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 6.20 .00 8.00 .00 32.20 So Answers: R. TnOmas Kline 12/23/1999 PURCELL, KRUG & HALLER By: Sworn and Subscribed to before me &his ?=` - day of Deputy GSheriff A.D.A07y?