HomeMy WebLinkAbout07-3384UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF
BY: Mark J. Udren, Esquire
ATTY I.D. NO. 04302
WOODCREST CORPORATE CENTER
111 WOODCREST ROAD, SUITE 200
CHERRY HILL, NJ 08003-3620
856-669-5400
pleadings@udren.com
Saxon Mortgage Services, Inc. :COURT OF COMMON PLEAS
4708 Mercantile Drive :CIVIL DIVISION
Ft. Worth, TX 76137
Plaintiff :Cumberland County
V.
Kevin R. Bartles
3670 Enola Road : NO. 67 -a0y oia'
Newville, PA 17241
Defendant(s)
COMPLAINT IN MORTGAGE FORECLOSURE
YOU HAVE BEEN SUED IN COURT. If you wish to defend against the
claims set forth in the following pages, you must take action
within twenty (20) days after this Complaint and Notice are served,
by entering a written appearance personally or by attorney and
filing in writing with the Court your 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 GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS
OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF
YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYERS REFERRAL SERVICE
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
717-249-3166
800-990-9108
AVISO
Le han demandado a usted en la corte. Si usted quiere defenderse
de estas demandas expuestas en las paginas siguientes, usted tiene
veinte (20) dias de plazo al partir de la fecha de la demanda y la
notificacion. Hace falta ascentar una comparencia escrita o en
persona o con un abogado y entregar a la corte en forma escrita sus
defensas o sus objeciones a las demandas en contra de su persona.
Sea avisado que si usted no se dafiende, la corte tomara medidas y
puede continuar la demanda en contra suya sin previo aviso o
notificacion. Ademas, la corte puede decidir a favor del
demandante y requiere que usted cumpla con todas las provisioner de
esta demanda. Usted puede perder dinero o sus propiedades u otros
derechos importantes para usted.
LLEVE ESTA DEMANDA A UN ABOGADO IMIEDIATAMENTE, SI NO TIENE ABOGADO
O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN
PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE
ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR
ASISTENCIA LEGAL.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
717-249-3166
800-990-9108
NOTICE
The amount of your debt is as stated in the attached document. The name of the creditor
to whom the debt is owed is as named in the attached document. Unless you notify us within
30 days after receipt of this Notice and the attached document that the validity of the stated
debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify
us in writing of a dispute within the 30 day period, we will obtain verification of the debt or
a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not
an admission of liability on your part. Also, upon your written request within the 30 day
period, we will provide you with the name and address of the original creditor if different from
the current creditor.
If you notify us in writing within the 30 day period as stated above, we will cease collection
of your debt, or any disputed portion of it, until we obtain the information that is required
and mail it to you. Once we have mailed to you the required information, we will then
continue the collection of your debt.
This law firm is deemed to be a debt collector and this Notice and the attached document is
an attempt to collect a debt, and any information obtained will be used for that purpose.
UDREN LAW OFFICES, P.C.
/s/ Mark J. Udren, Esquire
Woodcrest Corporate Center
111 Woodcrest Road, Suite 200
Cherry Hill, NJ 08003-3620
(856) 669-5400
1. Plaintiff is the Corporation designated as such in the
caption on a preceding page. If Plaintiff is an assignee then it
is such by virtue of the following recorded assignments:
Assignor: National City Mortgage Company d/b/a Eastern Mortgage
Services
Assignments of Record to: Saxon Mortgage Services, Inc.
Recording Date: LODGED FOR RECORDING
2. Defendant(s) is the individual designated as such on the
caption on a preceding page, whose last known address is as set
forth in the caption, and unless designated otherwise, is the real
owner(s) and mortgagor(s) of the premises being foreclosed.
3. On or about the date appearing on the Mortgage
hereinafter described, at the instance and request of Defendant(s),
Plaintiff (or its predecessor, hereinafter called Plaintiff) loaned
to the Defendant(s) the sum appearing on said mortgage, which
Mortgage was executed and delivered to Plaintiff as security for
the indebtedness. Said Mortgage is incorporated herein by
reference in accordance with Pa.R.C.P. 1019 (g).
The information regarding the Mortgage being foreclosed is as
follows:
MORTGAGED PREMISES: 3668 Enola Road
MUNICIPALITY/TOWNSHIP/BOROUGH: Lower Frankford Township
COUNTY: Cumberland
DATE EXECUTED: 1/9/04
DATE RECORDED: 1/21/04 BOOK: 1851 PAGE: 3702
The legal description of the mortgaged premises is attached hereto
and made part hereof.
4. Said Mortgage is in default because the required payments
have not been made as set forth below, and by its terms, upon
breach and failure to cure said breach after notice, all sums
secured by said Mortgage, together with other charges authorized by
said Mortgage itemized below, shall be immediately due.
5. After demand, the Defendant(s) continues to fail or
refuses to comply with the terms of the Mortgage as follows:
(a) by failing or refusing to pay the installments of
principal and interest when due in the amounts indicated
below;
(b) by failing or refusing to pay other charges, if any,
indicated below.
6. The following amounts are due on the said mortgage as of
6/4/07:
Principal of debt due $116,551.90
Unpaid Interest at 6.875%
from 12/1/06
to 6/4/07
(the per diem interest accruing on
this debt is $21.95 and that sum
should be added each day after
6/4/07) 4,072.36
Title Report 325.00
Court Costs (anticipated, excluding
Sheriff's Sale costs) 280.00
Escrow Overdraft/(Balance)
(The monthly escrow on this account
is $224.39 and that sum should
be added on the first of each
month after 6/4/07) (221.86)
Late Charges
(monthly late charge of $39.41
should be added in accordance
with the terms of the note
each month after 6/4/07) 197.05
Recoverable Balances 153.50
Attorneys Fees (anticipated and actual
to 5% of principal) 5,827.60
TOTAL $127,185.55
7. The attorney's fee 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 in accordance with the reduction provisions of
Act 6, if applicable.
The combined notice specified by the Pennsylvania Homeowner's
Emergency Mortgage Assistance Program, Act 91 of 1983 and Notice of
Intention to Foreclose under Act 6 of 1974 has been sent to each
defendant, via certified and regular mail, in accordance with the
requirements of those acts, on the date appearing on the copy
attached hereto as Exhibit "A", and made part hereof, and
defendant (s) have failed to proceed within the time limits, or have
been determined ineligible, or Plaintiff has not been notified in
a timely manner of Defendant(s) eligibility.
WHEREFORE, the Plaintiff demands judgment, in rem, against
the Defendant(s) herein in the sum of $127,185.55 plus interest,
costs and attorneys fees as more fully set forth in the Complaint,
and for foreclosure and sale of the Mortgaged premises.
Mark J. Udren, ESQ RE
UDREN LAW OFFICES, P.C.
Attorney for Plaintiff
Attorney I.D. No. 04302
ALL THAT PARCEL OF LAND IN TOWNSHIP OF LOWER FRANKFORD, CUMBERLAND COUNTY, STATE OF
PENNSYLVANIA, AS MORE FULLY DESCRIBED IN DEED BOOK 260, PAGE 705, ID# 14-05-041-027, BEING KNOWN
AND DESIGNATED AS BEGINNING AT A POINT IN THE CENTER LINE OF PUBLIC ROAD SR.944 KNOWN AS ENOLA
ROAD WHICH POINT IS IN THE SOUTHWESTERN CORNER OF LAND NOW OR FORMERLY OF EDGAR E. HOOVER
THENCE ALONG ALT-WOF ENOLA ROAD NORTH 81 DEGREES 31 MINUTES 2 SECONDS WEST A DISTANCE OF 379.91
FEET TO A POINT; THENCE ALONG LANDS NOW OR FORMERLY OF KEITH R. BARTLES NORTH 0 DEGREES 36
MINUTES 18 SECONDS EAST A DISTANCE OF 1097.54 FEET TO AN IRON PIN; THENCE CONTINUING ALONG LANDS
NOW OR FORMERLY OF EDGAR D. BARTLES ESTATE SOUTH 86 DEGREES 18 MINUTES 55 SECONDS EAST A
DISTANCE OF 158.48 FEET TO AN IRON PIN; THENCE SOUTH 86 DEGREES 30 MINUTES 15 SECONDS EAST A
DISTANCE OF 250.65 FEET TO AN IRON PIN; THENCE ALONG THE EXISTING FENCE LIEN OF LAND NOW OR
FORMERLY OF EDGAR E. HOOVER SOUTH I DEGREES 38 MINUTES 13 SECONDS WEST A DISTANCE OF 242.14 FEET;
THENCE CONTINUING SOUTH 2 DEGREES 24 MINUTES 28 SECONDS WEST A DISTANCE OR 886.79 FEET TO A POINT
AT THE PLACE OF BEGINNING.
CONTAINING 10.072 ACRES AND BEING DESIGNATED AS LOT 3-A OF THE FINAL SUBDIVISION PLAN OF KEITH R
BARTLES WHICH PLAN IS RECORDED IN THE CUMBERLAND COUNTY RECORDER OF DEEiDS OFFICE IN PLAN BOOK
K87 PAGE 62.
DEED FROM KEVIN R. BARTLES AND LUCINDA K. BARTLES AS SET FORTH IN DEED BOOK 260, PAGE 705 DATED
10130/2003 AND RECORDED 10131/2003, CUMBERLAND COUNTY RECORDS, COMMONWEALTH OF PENNSYLVANIA.
v •.w4
. y
Page 4
April 20, 2007
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
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 attorney in your area. The local bar association may be able
to help you find a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU
DERECHO A CONIINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL
CONTENDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION
INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING
FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES
SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO
0HOMEOWNERDS EMERGENCY MORTGAGE ASSISTANCE PROGRAMD EL CURL
PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU
HIPOTECA.
Page t of t 60W A
HOMEOWNER'S NAME(S):
PROPERTY ADDRESS:
LOAN ACCT. NO.:
ORIGINAL LENDER:
CURRENT LENDER:
Kevin Bartles
3668 Enola Road
Newville, PA_17241 _
2 Oo O244768
National City Mortgage Company dba Eastern
Mortgage Service
_ Morgan S anleyrtgaee Capital. Inc.
HOMEOWNEROS EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY RR RLIGTRLE FOR FINANCIAL ASSISTAN F
WHICH CAN SAVE VQIJR HOME FROM FORRCI,OSTTRF. AND
HRLP VOIT MAKF. FTTTTTRR MORTGAGE. PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMTOWNERGS
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE DACA, YOU MAY BE
ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE:
IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR
CONTROL,
IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR
MORTGAGE PAYMENTS, AND
IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE
PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary
stay of foreclosure on your mortgage for thirty (30) days from. the date of this Notice. During that
time you must arrange and attend a Oface-to-faceO meeting with one of the consumer credit
counseling agencies listed at the end of this Notice. THIS MF.F.TTNG MTTST OCCUR WITH
TN
0
CONSTIMF.R CREDIT C_OTTNSFT.ING 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 after the date of this meeting. The names, add=-,,es and telc?hone numbers
of designated nnnumer credit unseling agencies for th county in which the=;crty is located
tee?
are set forth at the end of this Native. It is only necessary to schedule one face-to-face meeting.
Advise your lender immMiatcl of your intentions.
APPI.TCATION FOR MORTGAGE ASSISTANCE _ Your mortgage is in default for the
reasons set forth later in this Notice (see following pages 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
Page 2 of 2
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.
AGF.NC'Y A[`.TiON - 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 decision after it receives your application. During that time,
no foreclosure proceedings will be pursued against you if you have met the time requirements set forth
above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your
application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING 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.)
NATURE OF THF. DF.FAUi.T - The MORTGAGE debt held by the above lender on your property
located at:
3668 Enola Road
Newville, PA 1.7241
IS SERIOUSLY IN DEFAULT because:
A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the
following amounts are now past due:
_ Monthly Payments of $1012.7 for January 1, 2007 through April 1, 2007 = $4050.84
Monthly Late Charges of X39.41 for January 1, 2007 through April 1, 2007 = $157.64
Other charges (explainritemize): Other=$75.00
Property Inspection Fee=$19.00
Expense Advances=$50.00
._TUTAL AMQUNT
B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Dn not "Re if not a licahl ): NA
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 S4352-49 PLUS
ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30)
DAY PERIOD. Payments must hem de either by ae achi r'c heck, certified rhark or mnney nrder made p33ahh-
and cent to:
You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of
this letter: (Da not use if tint a? hnahie ): N a
Page 3 of 3
IF VOII DO NOT CURF ME DEFAULT - If you do not cure the default within TEIIRTY (30) DAYS
of the date of this Notice, the lender intends to ex r ie ity rights to accelerate the mnrtggggdebt- 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
made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to
forerlnse upon your mortgaged Ljrn C1j.
IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff
to 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 fees will be added to the amount you owe the lender, which may also include other
reasonable costs. Tf you cur the default within theme TV (3 nAy Priad you M not h
mquired to pay attorney's fees
OTHER I,F.NDER RF.MED FS -- The lender may also sue you personally for the unpaid principal
balance and all other sums due under the mortgage. If your debt has been discharged in bankruptcy without
your having reaffirmed it, then lender cannot pursue this remedy.
RIGHT TO C-TIRE TIIF T FFATIT T PRIOR TO SHFRTFF'S CAT F - If you have not cured the default
within the THIRTY (30) DAY period and foreclosure proceedings have begun, ym still have the right to
cure the Lief Olt and prevent the sale at any time i to one hoar h fare th 4her;ft g 4alp You may o„ by
paylnp.the total amount then act du ,_ lnc any late or other hares then chip, n=-asnnahle attar rya g fees and
e forecloc ire cal and any other rusts ennne< trx' it- th Chr>r.... Sale 9- S=ifim
in wntinp_,_hy the lender and by PgZfMmina acv Other re ruirementc 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.
F,ART.TEST POSSIRT F SHFRIFF'S SAL F DATE - It is estimated that the earliest date that such a
Sheriff s Sale of the mortgaged property could be held would be approximately- f months from
the date of this Notice. A notice of the actual date of the Sheriff's 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.
Name of Lender/Servicer: Saxoa Mort>rgg e,, Inc, _
Address: 4708 Mercantile Drive North
Fort Wo____r% TX 76137
y
Phone Number: 1-900-874-9516
?
Fax Number: _ 1-871-665-7750
Contact Person: Loss Mitigation
lossmit a saxonmsLcom
EFFECT OF SHERIFF'S S A i N - 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 Sheriff's
Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at
any time.
ASSIIMP'ITON OF MORTGAGE - You may not transfer your home to a buyer or transferee who will
assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs
are paid prior to or at the sale and that the other requirements of the mortgage are satisfied
Page 4 of 4
NOTICE
The amount of your debt is as stated in the attached document. The name of the creditor
to whom the debt is owed is as named in the attached document. Unless you notify us within
30 days after receipt of this Notice and the attached document that the validity of the stated
debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us
in writing of a dispute within the 30 day period, we will obtain verification of the debt or a
copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an
admission of liability on your part. Also, upon your written request within the 30 day period,
we will provide you with the name and address of the original creditor if different from the
current creditor.
If you notify us in writing within the 30 day period as stated above, we will cease collection
of your debt, or any disputed portion of it, until we obtain the information that is required
and mail it to you. Once we have mailed to you the required information, we will then
continue the collection of your debt.
This law firm is deemed to be a debt collector and this Notice and the attached document is
an attempt to collect a debt, and any information obtained will be used for that purpose.
UDREN LAW OFFICES, P.C.
/s/ Mark J. Udren, Esquire
Woodcrest Corporate Center
111 Woodcrest Road, Suite 200
Cherry Hill, NJ 08003-3620
(856) 669-5400
Page 5 of 5
• 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.
• TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
• TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT
HAD OCCURRED, IF 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.
CCCS of Western Pennsylvania, Inc.
2000 Linglestown Road
Harrisburg, PA 17102
(717) 541-1757
FAX (717) 541-4670
Urban League of Metropolitan Harrisburg
N. 6th Street
Harrisburg, PA 17101
(717) 234-5925
FAX (717) 234-9459
Community Action Comm of the Capital Region
1514 Derry Street
Harrisburg, PA 17104
(717) 232-9757
FAX (717) 234-2227
Financial Counseling Services of Franklin
31 West 3rd. Street
Waynesboro, PA 17268
(717) 762-3285
FAX n/a
YWCA of Carlisle
301 G Street
Carlisle, PA 17013
(717) 243-3818
FAX (717) 731-9589
Adams County Housing Authority
139-143 Carlisle St.
Gettysburg, PA 17325
(717) 334-1518
FAX (717) 334-8326
Page 6 of 6
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V E R I F I C A T I O N
Mark J. Udren, Esquire, hereby states that he is the attorney
for the Plaintiff, a corporation unless designated otherwise; that
he is authorized to take this Verification and does so because of
the exigencies regarding this matter, and because Plaintiff must
verify much of the information through agents, and because he has
personal knowledge of some of the facts averred in the foregoing
pleading; and that the statements made in the foregoing pleading
are true and correct to the best of his knowledge, information and
belief and the source of his information is public records and
reports of Plaintiff's agents. The undersigned understands that
this statement herein is made subject to the penalties of 18
Pa.C.S. Section 4904 relating to unsworn falsification to
authorities.
Mark J. Udre4ESO RE
UDR EN LAW OFFICES, P.C.
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UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF
BY: Mark J. Udren, Esquire
ATTY I.D. NO. 04302
111 WOODCREST ROAD, SUITE 200
CHERRY HILL, NJ 08003
856-669-5400
pleadings@udren.com
Saxon Mortgage Services, Inc. :COURT OF COMMON PLEAS
Plaintiff :CIVIL DIVISION
:Cumberland County
V.
Kevin R. Bartles
Defendant(s) €NO.07-3384
PLAINTIFF'S MOTION FOR LEAVE TO AMEND COMPLAINT IN MORTGAGE
FORECLOSURE PURSUANT TO Pa.R.C.P. 1033; AND FOR SERVICE PURSUANT
TO SPECIAL ORDER OF COURT
Plaintiff, Saxon Mortgage Services, Inc., by its attorney, Mark
J. Udren, Esquire, respectfully requests your Honorable Court enter
an Order granting the Plaintiff leave of Court to amend its
Complaint In Mortgage Foreclosure as above captioned, pursuant to
Pa.R.C.P. 1033; and for an Order directing service of the Amended
Complaint In Mortgage Foreclosure by publication in accordance with
Pa.R.C.P. 430(b)(1); and service of all subsequent pleadings that
require personal service, including, inter alia, the Notice of
Sheriff's sale upon Defendant, Kevin Bartles, Last Record Owner by
posting only, of the subject premises located at 3668 Enola Road
Newville, PA 17241 in accordance with Pa.R.C.P. 430; and in support
thereof avers the following:
1. On June 5 2007, the Plaintiff filed its instant Action In
Mortgage Foreclosure against the Defendant.
2. Plaintiff conducted a skip trace which confirmed that
Defendant, Kevin Bartles was deceased. A true and correct copy of
said skip trace is attached hereto as Exhibit "A".
3. The Plaintiff received a copy of the death certificate
that verified that the Defendant Kevin Bartles was deceased. A true
and correct copy of the Certificate of Death is attached hereto as
Exhibit "B".
I t
4. The Plaintiff inquired with the Cumberland County
Register of Wills Office and was advised that the County has no
record of an Estate having been raised. A true and correct copy of
Plaintiff's Good Faith Investigation is attached hereto as Exhibit
„C„
5. It is therefore, believed, averred, and suggested that
Defendant Kevin Bartles is deceased.
6. Through inquiries and investigation Plaintiff has
identified Keith R. Bartles, Natural Guardian to Lizera Bartles,
Minor Child & Known Heir of Kevin R. Bartles, Last Record Owner, as
a possible known heir of Kevin Bartles.
7. There may be "unknown" surviving heirs.
COUNT I
MOTION FOR LEAVE TO AMEND COMPLAINT PURSUANT TO Pa.R.C.P. 1033
and Pa.R.C.P. 1144
8. Plaintiff incorporates paragraphs 1 through 7 herein as
though fully set forth at length.
9. Pa.R.C.P. Rule 1033 provides, in part, that a party by
leave of Court may correct the name of a party or amend his
pleading.
10. Pa.R.C.P. Rule 1144 provides, in part, that the Plaintiff
shall name as defendants the personal representative, heir or
devisee of a deceased mortgagor, if known; and the real owner of
the property, or if he is unknown, the grantee in the last recorded
deed.
11. Therefore, the Plaintiff wishes to amend its Complaint by
correcting the characterization of Kevin Bartles as a Defendant by
virtue of his being deceased to: Kevin Bartles, Last Record Owner
and by adding Keith R. Bartles, Natural Guardian to Lizera Bartles,
Minor Child & Known Heir of Kevin R. Bartles, Last Record Owner, as
a Defendant.
12. The amendment to the Complaint will not prejudice the
Defendants.
13. All other averments of the Complaint are to remain the
same and unchanged.
t k
WHEREFORE, the Plaintiff prays and respectfully requests that
the Honorable Court grant the Plaintiff leave to amend its
Complaint as averred hereinabove.
COUNT II
MOTION FOR SERVICE PURSUANT TO SPECIAL ORDER OF COURT
14. Plaintiff incorporates paragraphs 1 through 13 herein as
though fully set forth at length.
15. Plaintiff has made a good faith effort to locate all
known heirs so as to name them party Defendants pursuant to
Pa.R.C.P. 1144(a)(2) by conducting a skip trace and inquiring with
the Cumberland County Register of Wills Office
16. Although specific heirs have been located and/or
identified, it is believed that there may be other heirs, "unknown
heirs", who remain unidentified.
WHEREFORE, so as to properly satisfy the Pennsylvania Rules of
Court, particularly Pa.R.C.P. 1144(a)(2), (a)(3), where the
Plaintiff is required to name as party Defendants in an action in
mortgage foreclosure the heirs of a deceased mortgagor(s), if
known, and those of a deceased real owner, the Plaintiff moves this
Honorable Court, and hereby requests an Order, pursuant to
Pa.R.C.P. 430 et seq., directing service of the Amended Complaint
In Mortgage Foreclosure by publication upon the Defendant, Kevin
Bartles, Last Record Owner; and service of all subsequent pleadings
that require personal service upon Defendant Kevin Bartles, Last
Record Owner including, inter alia, the Notice of Sheriff's Sale
by posting only, of the subject premises located at 3668 Enola Road
Newville, PA 17241.
Respectfully Submitted:
UDREN W OFFI ES, P.C.
By:
Mark J. Udren, Es
Attorney for Plaintiff
run-07-07 12:19om From-Player's Association 636 230 0558 T-933 P.010/041 F-123
PLAYERS NATIONAL LOCATOR
AFFIDAVIT OF GOOD FAITH INVESTIGATION
Loan Number. 07030113
Attorney Fftm: MARK J UDREN a ASSOCIATES
Case Number:
Suter Kevin Bartles
A.K.A.: Kevin R Smiles
Property Address: 3668 Enola Road
NWVlile, PA 17241
Last Known Address: 3970 Enola Road
Newville, PA 17241
Last Known Number. ( ) -
Melissa Kozma, being duly sworn according to law, deposes and says:
1. l am employed In the capacity of Location Specialist for Players National Locator.
2. On 4610712007, 1 conducted an Investigation into the whereabouts of the above named
defendant(s). The results of my investigation are as follows:
CREDIT INFORMATION -
A. SOCIAL SECURITY NUMBER(S):177-68.0207
B. EMPLOYMENT SEARCH:
N/A
C. INQUIRY OF CREDITORS:
Creditors Indicated the iost reported address for Kevin Barnes Is 3668 Enola Road, Newvlile, PA
17241. Creditors stated Kevin Sorties Is deceased.
INQUIRY OF TELEPHONE COMPANY -
A. DIRECTORY ASSISTANCE SEARCH:
Directory assistance had no listing for Kevin Bartles. We called (717) 243.0772 and spoke with
Kovin's stepmother who stated Kevin Bartle: is deceased. She stated Kevin was not married at
the tines of his death. She stated Kevin's father, Keith Bartles, Is living at 3670 Enoia Road,
Newville, PA 17241. She also stated Kevin's minor son, Lizera Sorties, in living with his
grandfather, Keith Bartle. We were unable to krcate any other heirs.
INQUIRY OF NEIGHBORS -
We were unable to contact any neighbors to confhm any other information.
INQUIRY OF POST OFFICE -
A. NATIONAL ADDRESS UPDATE:
As of June 04, 2047 the National Change of Address (NCOA) has no listing for Kevin Bartles.
MOTOR VEHICLE REGISTRATION -
A. MOTOR VEHICLE & DMV OFFICE:
We were unable to verify current driven license Information for Kevin Sorties.
OTHER INQUIRIES -
A. DEATH RECORDS:
The Social Security Adminisbatian has a death record In the name Kevin Bartles with the social
EXHIBIT A
r `Jun-07-07 12:19pm From-Player's Association 636 230 0558 T-933 P.011/oat F-123
security number above on February 15, 2007. No last reported address In given.
B. PUBLIC LICENSES (PILOT, REAL ESTATE, ETC,):
None Found.
C. COUNTY VOTER REGISTRATION:
We were unable to confirm a listing with the County Voters Regltration Office.
ADDITIONAL INFORMATION ON SUBJECT -
A. DATE OF BIRTH:
April 4, 1975
AIA
qA Fl M¢Iisaa K a
Players National Locator 174 Clarkson Road, Ste 225 E7lisvAle, MO 63019
(636)2309922 (636)230-0558
This is to certify that this is a true and accurate copy of the death record on file with the
Division of Vital Records, and that 1, Frank Yeropoll, am and was at the time of the
issuance of this copy Director, Division of Vital Records of the Department of Health for
the Commonwealth of Pennsylvania, duly appointed and commissioned as directed by
Act 66 of the General Assembly, approved 29 June 1953, P.L. 304.
AUG 29 2007 ? •
Date Issued. it r
5
H106.144 REY it F t AIA L
TYPElPRIN7 M
PEHMa?lErrr
' #30-457
I
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COMMONN?EALTH OF PENNSYLVANIA a DEPARTMENT OF HEALTH a VITAL RECORDS
CORONER'S CERTIFICATE OF DEATH
(See Instructions and examples on reverse) X 2 CZX, c
t. Nrro of Owed" (Fiwl mid*, wt, aft)
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2. Sex
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4. Dew of 000 (Mwft day, Yaw)
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Male
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177 -68 -0207
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February 15, 2007
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EXFNBR 6
J:-
UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF
BY: Mark J. Udren, Esquire
ATTY I.D. NO. 04302
111 WOODCREST ROAD, SUITE 200
CHERRY HILL, NJ 08003
856-669-5400
pleadingsOudren.com
Saxon Mortgage Services, Inc. :COURT OF COMMON PLEAS
Plaintiff :CIVIL DIVISION
::Cumberland County
V.
Kevin R. Bartles
Defendant (s) : NO. 07-3384
VERIFICATION OF GOOD FAITH INVESTIGATION
Mark J. Udren, Esquire, hereby states that he/she is the
attorney for the Plaintiff in this action, that he/she is
authorized to take this Verification, and hereby sets forth that
the undersigned conducted a good faith investigation of the
existence of and whereabouts of any surviving heirs of the deceased
Defendant, Kevin Bartles by inquiring with the Cumberland County
Register of Wills whether an Estate was raised by the granting of
the Letters Testamentary and/or Letters of Administration.
The Register advised the undersigned that no decedent's Estate
was raised of record, and Letters were not granted.
The undersigned understands that this statement herein is made
subject to the penalties of 18 Pa.C.S. § 4904 relating to unsworn
falsification to authorities.
Dated: September /a 2007
UDREN LAW OFFICES, P.C.
Ma J. Udren, Es ire
Attorney for Plaintiff
EXHIBIT "C"
Z F
VERIFICATION
Mark J. Udren, Esquire, hereby states that he is the attorney
for the Plaintiff in this action, that he is authorized to take
this Verification, and that the statements made in the foregoing
Motion For Leave To Amend Complaint and Motion for Service Pursuant
to Special Order of Court and Brief/Memorandum of Law are true and
correct to the best of his knowledge, information and belief. The
undersigned understands that this statement herein is made subject
to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn
falsification to authorities.
Respectfully submitted,
UDREN LAW OFFICES, P.C.
By:
Mark . Udre , Esquire
Attorney for intiff
DATED: September /a 2007
UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF
BY: Mark J. Udren, Esquire
ATTY I.D. NO. 04302
111 WOODCREST ROAD, SUITE 200
CHERRY HILL, NJ 08003
856-669-5400
pleadings@udren.com
Saxon Mortgage Services, Inc. :COURT OF COMMON PLEAS
Plaintiff :CIVIL DIVISION
:Cumberland County
V.
Kevin R. Bartles
Defendant (s) € NO. 07-3384
MEMORANDUM OF LAW IN SUPPORT OF PLAINTIFF'S MOTION FOR LEAVE
TO AMEND ITS COMPLAINT IN MORTGAGE FORECLOSURE; AND FOR SERVICE
PURSUANT TO SPECIAL ORDER OF COURT
Plaintiff, Saxon Mortgage Services, Inc., having filed it
Motion For Leave To Amend Complaint, and Motion for Service
Pursuant to Special Order of Court, submits this Memorandum of Law
in support thereof.
I. Motion For Leave To Amend
Pennsylvania Rule of Civil Procedure, Rule 1033, provides in
relevant part that "[a] party, . by leave of court, may at any
time change the form of action, correct the name of a party or
amend his pleading."
Pennsylvania Rule of Civil Procedure, Rule 1144 provides in
relevant part that (a)" The plaintiff shall name as
defendants ... (2) the personal representative, heir or devisee of a
deceased mortgagor, if known; and (3) the real owner of the
property, or if the real owner is unknown, the grantee in the last
recorded deed...."
In the instant Motion For Leave To Amend, Plaintiff requests
leave of Court to amend its Complaint In Mortgage Foreclosure by
correcting the characterization of Kevin Bartles as Defendant by
virtue of his being deceased, to: Kevin Bartles, Last Record Owner
and by adding Keith R. Bartles, Natural Guardian to Lizera Bartles,
Minor Child & Known Heir of Kevin R. Bartles, Last Record Owner, as
a Defendant. This Motion falls strictly within the parameters of
Rule 1033 and Rule 1144.
The Plaintiff is not requesting leave of Court to amend any
allegation or substantive fact contained in the pleading itself.
Furthermore, Plaintiff also requests that an Amended Complaint not
expand the Answer and/or otherwise plead period of any Defendants
already served with the original Complaint.
II. Motion for Special Service
Pennsylvania Rule of Civil Procedure 430(a) specifically
provides, in part, that "(a) If service cannot be made under the
applicable rule the plaintiff may move the court for a special
order directing the method of service."
The purpose of the Motion for Service Pursuant to Special
Order of Court is to seek special service of the Amended Complaint
In Mortgage Foreclosure on Kevin Bartles, Last Record Owner. It is
believed that there may be heirs of the deceased Defendant who
remain unknown to the Plaintiff. Therefore, because the heirs are
"unknown", and thus unidentifiable and unable to be located,
service cannot be made under the applicable rule.
Pennsylvania Rule of Civil Procedure 1144(a) (2) requires the
Plaintiff to name as party Defendants in an action in mortgage
foreclosure the heirs of a deceased mortgagor, if known.
A good faith effort to discover the whereabouts of any and all
heirs has been made in accordance with Pa.R.C.P. 430(a), as
evidenced by the skip trace and good faith Affidavit of
Investigation, attached hereto as Exhibit "A" and "C" respectively.
Known heirs have been identified herein. However, so as to
properly serve Kevin Bartles, Last Record Owner and any surviving
heirs who are unknown to the Plaintiff, but who may have an
interest in the mortgaged premises, the Plaintiff seeks service by
publication with regard to the Amended Complaint in Mortgage
Foreclosure, and posting only, of the mortgaged premises with
regard to all subsequent pleadings that require personal service,
including, inter alia, the Notice of Sheriff's Sale.
Pa.R.C.P. 430(b)(1) provides for service by publication.
Further, Pa.R.C.P. 430(b)(2) provides for service by
publication on unknown heirs:
When service is made by publication upon the heirs and
assigns of a named former owner(s) or party in interest,
the court may permit publication against the heirs or
assigns generally if it is set forth in the complaint or
an affidavit that they are unknown.
In conformity with Pa.R.C.P. 430(b) (2), the Plaintiff sets
forth, as verified, in the within Motion, that there may be unknown
heirs.
In order to complete service on the Defendant Kevin Bartles,
Last Record Owner, by and through his surviving "unknown heirs", so
as to move this foreclosure action forward to ultimate disposition,
the Plaintiff respectfully requests that this Honorable Court,
pursuant to Pa.R.C.P. 430 et seq., and for all the reasons
hereinbefore stated, and in the attached Motion, grant a Special
Order directing service of the Amended Complaint In Mortgage
Foreclosure by publication on Kevin Bartles, Last Record Owner,
and service of all subsequent pleadings that require personal
service, including, inter alia, the Notice of Sheriff's Sale by
posting only, of the subject premises located at 3668 Enola Road
Newville, PA 17241.
Respectfully submitted,
UDREN LAW OFFI ES, P.C.
By:
Mark U ren, 're
Attorney for Plaintiff
1 . .
Saxon Mortgage Services, Inc. :COURT OF COMMON PLEAS
Plaintiff :CIVIL DIVISION
Cumberland County
V.
Kevin R. Bartles
Defendant (s) : NO. 07-3384
UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF
BY: Mark J. Udren, Esquire
ATTY I.D. NO. 04302
111 WOODCREST ROAD, SUITE 200
CHERRY HILL, NJ 08003
856-669-5400
pleadings@udren.com
CERTIFICATE OF SERVICE
I, Mark J. Udren, Esquire, hereby certify that I have served
true and correct copies of Plaintiff's Motion For Leave To Amend
Complaint In Mortgage Foreclosure Pursuant To Pa.R.C.P. 1033 upon
the following person (s) named herein at their last known address or
their attorney of record by regular first class mail:.
Date Served:
TO: Kevin Bartles, Last Record Owner
3668 Enola Road
Newville, PA 17241
Keith R. Bartles, Natural Guardian to Lizera Bartles, Minor
Child & Known Heir of Kevin R. Bartles, Last Record Owner
3670 Enola Road
Newville PA 17241
LAW
DATED:
By:
Mark J.
Attorney
ICES, P. C.
Udren, WQ-UI-P-E
for Plaintiff
(?
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, 1 SEP 882007 b/
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
CIVIL DIVISION
Saxon Mortgage Services, Inc.
Plaintiff
V.
Kevin R. Bartles
Defendant (s) € NO.07-3384
ORDER
AND NOW, this day of 2007, after
consideration of Plaintiff's Motion For Leave To Amend The
Complaint In Mortgage Foreclosure and for Service Pursuant to
Special Order of Court filed in this matter, and any response
thereto, it is hereby ORDERED that:
1. Plaintiff is granted leave to amend its Complaint in
Mortgage Foreclosure by correcting the characterization of Kevin
Bartles as a Defendant by virtue of his being deceased, to: Kevin
Bartles, Last Record Owner 1
BaNtleaj Joast Reao a ---- and
2. That the Complaint, except as so amended, shall in all
other respects, remain unchanged and as filed, and therefore, no
additional and/or new Answer/or "otherwise plead" period shall be
allowed for any existing Defendants already served with the
Complaint; the case shall continue to proceed as if the Complaint,
as so amended, was the original Complaint; and
3. That service of the Amended Complaint on Kevin Bartles,
Last Record Owner shall be complete when Plaintiff or its counsel
or agent has published in accordance with Pa.R.C.P. 430(b)(1), a
Notice of the action once in a local legal publication, and once in
a newspaper of general circulation within the County; and, pursuant
to Pa.R.C.P. 430, service of all subsequent pleadings that require
personal service, including, inter alia, the Notice of Sheriff's
Sale upon Kevin Bartles, Last Record Owner shall be complete when
3
9
1
• t
the Sheriff, competent adult, constable, or other appropriate party
has posted only, a copy of said subsequent pleadings and/or Notice
on the most public part of the property located at: 3668 Enola Road
Newville, PA 17241, which is the subject maker of this action in
mortgage foreclosure.
J.
VINWASNN 0
:8 WV SZ d3S LOOZ
MiONOHi08d 3HL dQ
301±. p-0314
y • 1
UDREN LAW OFFICES, P.C.
BY: Mark J. Udren, Esquire
ATTY I.D. NO. 04302
WOODCREST CORPORATE CENTER
111 WOODCREST ROAD, SUITE 200
CHERRY HILL, NJ 08003-3620
856-669-5400
Saxon Mortgage Services, Inc.
Plaintiff
ATTORNEY FOR PLAINTIFF
COURT OF COMMON PLEAS
CIVIL DIVISION
Cumberland County
V.
Kevin R. Bartles
Defendant(s)
NO. 07-3384
PRAECIPE TO REINSTATE COMPLAINT
TO THE PROTHONOTARY:
Kindly reinstate the Complaint on the above-captioned
matter.
DATE: October 16, 2007
UDREN LAW OFFICES, P.C.
Mark dren, ESQUIRE
ATTORNEY FOR PLAINTIFF
SEP 2 0 2007 b/
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
CIVIL DIVISION
Saxon Mortgage Services, Inc.
Plaintiff
V.
Kevin R. Bartles
Defendant(s) ':NO.07-3384
ORDER
AND NOW, this day of 2007, after
consideration of Plaintiff's Motion For Leave To Amend The
Complaint In Mortgage Foreclosure and for Service Pursuant to
Special Order of Court filed in this matter, and any response
thereto, it is hereby ORDERED that:
1. Plaintiff is granted leave to amend its Complaint in
Mortgage Foreclosure by correcting the characterization of Kevin
Bartles as a Defendant by virtue of his being deceased, to: Kevin
Bartles, Last Record Owner 1
Gwee:F, -B - ? ; and
2. That the Complaint, except as so amended, shall in all
other respects, remain unchanged and as filed, and therefore, no
additional and/or new Answer/or "otherwise plead" period shall be
allowed for any existing Defendants already served with the
Complaint; the case shall continue to proceed as if the Complaint,
as so amended, was the original Complaint; and
3. That service of the Amended Complaint on Kevin Bartles,
Last Record Owner shall be complete when Plaintiff or its counsel
or agent has published in accordance with Pa.R.C.P. 430(b)(1), a
Notice of the action once in a local legal publication, and once in
a newspaper of general circulation within the County; and, pursuant
to Pa.R.C.P. 430, service of all subsequent pleadings that require
personal service, including, inter alia, the Notice of Sheriff's
Sale upon Kevin Bartles, Last Record Owner shall be complete when
s '7 16
the Sheriff, competent adult, constable, or other appropriate party
has posted only, a copy of said subsequent pleadings and/or Notice
on the most public part of the property located at: 3668 Enola Road
Newville, PA 17241, which is the subject mater of this action in
mortgage foreclosure.
J.
CC"
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UDREN LAW OFFICES, P.C. ATTORNEY FOR PLAINTIFF
MARK J. UDREN, ESQUIRE - ID #04302
STUART WINNEG, ESQUIRE - ID #45362
LORRAINE DOYLE, ESQUIRE - ID #34576
ALAN M. MINATO, ESQUIRE - ID #75860
CHANDRA M. ARKEMA, ESQUIRE - ID #203437
WOODCREST CORPORATE CENTER
111 WOODCREST ROAD, SUITE 200
CHERRY HILL, NJ 08003-3620
856-669-5400 pleadings@udren.com
Saxon Mortgage Services, Inc. :COURT OF COMMON PLEAS
Plaintiff :CIVIL DIVISION
.Cumberland County
V.
Kevin R. Bartles
Defendant NO. 07-3384
PRAECIPE TO DISCONTINUE WITHOUT PREJUDICE
TO THE PROTHONOTARY:
Kindly mark the above DISCONTINUED WITHOUT PREJUDICE,
upon payment of your costs only.
DATED:January 31, 2008
UDREN LAW OFFICES, P.C.
BY : -'d /S, - -
Attbrneys for Plaintiff
MARK J. UDREN, ESQUIRE
STUART WINNEG, ESQUIRE
LORRAINE DOYLE, ESQUIRE
ALAN M. MINATO, ESQUIRE
CHANDRA M. ARKEMA, ESQUIRE
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