HomeMy WebLinkAbout07-4037•
SHAPIRO & KREISMAN, LLC
BY: CHRISTOPER A. DENARDO, ESQUIRE, ATTORNEY LD. NO. 78447
DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747
LAUREN R. TABAS, ESQ., ATTORNEY I.D. N0.93337
ILANA ZION, ESQ., ATTORNEY I.D. NO. 87137
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE N0.07-29593
Wells Fargo Bank, N.A.
PLAINTIFF
VS.
Timothy E. Garling
and
Carol A. Garling
322 Fire House Road
Shippensburg, PA 17257
DEFENDANT(S)
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: d~ - ~/b~37 C i v i l Term
COMPLAINT -CIVIL ACTION
MORTGAGE FORECLOSURE
NOTICE
YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH
IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER 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 OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND
OUT WHERE YOU CAN GET LEGAL HELP.
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.
Cumberland County Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
717-249-3166
f
PURSUANT TO THE FAIR DEBT COLLECTION
PRACTICES ACT YOU ARE ADVISED THAT THIS LAW
FIRM IS DEEMED TO BE A DEBT COLLECTOR
ATTEMPTING TO COLLECT A DEBT. ANY
INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE.
NOTICIA
LE HAN DEMANDADO A LISTED EN LA CORTE. SI LISTED QUIERE
DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES,
LISTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA
DEMANDA Y LA NOTIFICACION. LISTED DEBE PRESENTAR UNA APARIENCIA
ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA
ESCRITA SUS DEFENSAS O SUS OBJECIONES A LAS DEMANDAS EN CONTRA DE SU
PERSONA. SEA AVISADO QUE SI LISTED NO SE DEFIENDE, LA CORTE TOMARA
MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA LISTED SIN PREVIO AVISO O
NOTIFICACION Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA
PETICION DE DEMANDA. LISTED PUEDE PERDER DINERO O SUS PROPIEDADES O
OTROS DERECHOS IMPORTANTES PARR LISTED.
LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. 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 PARR AVERIGUAR DONDE SE PUEDE
CONSEGUIR ASISTENCIA LEGAL.
Cumberland County Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
717-249-3166
SHAPIRO & KREISMAN, LLC
BY: CHRISTOPER A. DENARDO, ESQUIRE, ATTORNEY I.D. NO. 78447
DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747
LAUREN R. TABAS, ESQ., ATTORNEY I.D. NO. 93337
ILANA ZION, ESQ., ATTORNEY I.D. NO. 87137
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE N0.07-29593
Wells Fargo Bank, N.A.
PLAINTIFF
VS.
Timothy E. Garling
and
Carol A. Garling
322 Fire House Road
Shippensburg, PA 17257
DEFENDANT(S)
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 0 ~~ yd3 7 ~.-tvc,~ ~~~
COMPLAINT IN MORTGAGE FORECLOSURE
Plaintiff, Wells Fargo Bank, N.A., the address of which is, 1 Home Campus Drive, Des
Moines, Iowa 50328, brings this action of mortgage foreclosure upon the following cause of
action:
1. (a) Parties to Mort~a~e:
Mortgagee: Mortgage Electronic Registration Systems, Inc. as nominee for GN
Mortgage Corporation
Mort ageor(s): Timothy E. Garling and Carol A. Garling
(b) Date of Mort~a~e: February 21, 2002
(c) Place and Date of Record of Mort~a~e:
Recorder of Deeds
Cumberland County
Mortgage Book 1751 Page 2006
Date: March 6, 2002
The Mortgage is a matter of public record and is incorporated herein as provided
by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached
hereto and marked as Exhibit "A" and incorporated herein by reference.
(d) Assignments:
Assignor: Mortgage Electronic Registration Systems, Inc. as nominee for GN
Mortgage Corporation
Assignee: Wells Fargo Bank, N.A.
Date of Assignment: as recorded
Recording Date: as recorded
Book: as recorded
Page: as recorded
2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal
successor in interest to the original Mortgagee, or is the present holder of the mortgage by
virtue of the above-described Assignment(s).
3. The real property which is subject to the Mortgage is generally known as 322 Fire House
Road, Shippensburg, Pa 17257 and is more specifically described as attached as part of
Exhibit "A":
4. Each Mortgagor named in paragraph 1 executed a note as evidence of the debt secured by
the Mortgage (the "Note"). A true and correct copy of the Note is attached and marked as
Exhibit "B."
5. The name and mailing address of each Defendant is:
Timothy E. Garling, 322 Fire House Road, Shippensburg, PA 17257; Carol A. Garling,
322 Fire House Road, Shippensburg, PA 17257
6. The interest of each individual Defendant is as Mortgagor, Real Owner, or both.
7. The Mortgage is in default because the monthly installments of principal and interest
and other charges stated below, all as authorized by the Mortgage, are due as of
November 1, 2006 and have not been paid, and upon failure to make such payments
when due, the whole of the principal, together with charges specifically itemized below
are immediately due and payable.
8. The following amounts are due as of June 30, 2007:
Principal of Mortgage debt due and unpaid $142,273.70
Interest currently due and owing at 6.625% per annum
calculated from October 1, 2006 at $25.82 each day $7,048.86
Late Charge of $48.34 per month assessed on the 16th of each
month from November 16, 2006 to June 16, 2007, (8 Months) $386.72
Escrow Advances made by Plaintiff $518.72
Property Inspection $75.00
Title Search/Report Fees $250.00
Attorneys' Fees and Costs $5,000.00
TOTAL $155,553.00
9. Interest accrues at a per diem rate of 25.82 each day after June 30, 2007, that the debt
remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other
expenses, costs and charges collectible under the Note and Mortgage.
10. The attorneys' 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 attorneys' fees will be
charged based on work actually performed.
11. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S.
§ 1680.402c, et sec ., was sent to each individual Mortgagor at their mailing address and/or
the mortgaged property address by first-class mail and certified mail. Pursuant to the act of
December 21, 1998 (P.L. 1248, No. 160) (Act 160), this Notice contains the information
required by the act of March 14, 1978 (P.L. 11, No. 6), 41 P.S. Section 403 et seq., and
separate Notice of Intention to Foreclose is not required. Copies of the Notice are attached
hereto as Exhibit "C".
WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in
favor of Plaintiff and against Defendants, jointly and severally, in the amount set forth in
paragraphs 8 and 9, together with interest, attorneys' fees and for other expenses, costs, and
charges collectible under the Note and Mortgage and for the foreclosure and sale of the
mortgaged premises.
SHAPIlZO & KREISMAN, LLC
Date: ~J ~~
BY: GV~
Attorneys for Pla' ' f
S & K File No. 07-29593
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Dt~anrtaxs
wards used;n aeutdpla aecliaae a[ rlsa dxumlaiYCe defined bd°w and o~ec wards aro defined in Sxdoru
~, llsmmn 16 2D ead 21. Cauio num reirading dlr: nesge of weeds wed in Ulis docuacnt are also ~ovided
fA) "6CCUeiry [amnmeol't ntgps II1LS decemc°4 wh)ehl9 dated F'Rbtuary 7S, zoos
~~ wllh etlU 8)dets 1o Ulia docanlen~
(B)"BO~OWer"lf Timothy 8 Gtr;ia9. Carol A Gs~liug
"NISItS"ifMes~e~aEimb®iv~ .
so)dy tv a nomieea tar Leader ~Id Lee~L)r's sum ead~ e1~l:RS 3s a sere t>a dlatis er:Gng
Seaarly I°sevtnpr~ 6~IL9 )s acted a°d ~,1M~S y t>te asm~ege~ wader t6L
Zelephoae eeeeber of P.l). B°x 2076, PfLtt b+II 485~0~1-~ °ndet the law! of Delaware, a4d 4es eo address and
~ W. (BBB} b79-1V~RS.
PE111~YI.YANtA -S(tryle FlmilY • Pinola 4lruFradgie Flea YNIFQRIN INBTRUYENT1lfITN Nf:'!!8
Yr771i~7 APFL d+aaaaslxee7 LOAk ~:lnoas0lers IIiV p, FDf10~ 1101
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EXHIBIT 'A'
~D}''teodcr" is tit Mo>:k9age Corparatioa a Wiecotsaia Carperatian
Lradet iS 4 C6rpOratioa
aad GtiStiag taldet>[t6lawa of Nieaaneia
Lender's sddttss Is lso tipeea street, araai~sgham, em- olvat.
(Fa "Note" mr+aas the Prentisetey ante signed by BOMnwer and domed >iebt: uary 71, a ow
'TbaNaoa~arestlat8ertowQatvesLtmder t?aa Hundred, Fifty One Theugt0yd aad Na/1oa
([lS. S 151, 000.00 D01~
P~9 6+ICrRL BtMOigC~6nI prOmhed top~y dtiq dCbtitt RgaiatP0il0diC
PaY+pG-I60adtopnylhCdebtLltf111ri0t1o[Cthoa Mash 1, 2032
(F~ "Property" akans dte psopeny mat b desrnbed below rmda th6 beading "1'mnyfa ar Rtghtt is die
p+nPenY•"
(O) "t.wn" mro+ d,c JrJa. c•i~L.uwt ur ue Nuic, NLu L"apq uey plc aatgCS seta tma tOtetgei
dtu tinder the Nutc, and art soma don uodrr ~ Savtipl Unaumeoi, p6ta filaest.
{1'D "Riders" itueas all Rldry to Ilti6 5eradty lasnvmrat lbat era GtCt,'tlted by bOtiOwa. The foUow3ng
Ridc=a arc a be catrculcd by Borrower (Cbecl: fwx e, upplkable]:
Adjamb6:RumRidrr CoadominlaotRider ~n{5eemdliome>iidc,:
9allOpnRide ~FJatatedUaitDavdopArcrgRida ~IaiFaaolyi~et
~ VA Rids LLL~~~ 13laraddyPeytacntRldar LLL~~~___...,,,!!lJJJ O,heK~ ~padty]
(1) "Appiimble Lew" maaa ail tsmtroNttg~pp~ fodtsaL tsate and local stehttss, regabafoos,
tndlmaats and ndmin6lratbre sofa aad tatleea ~ktha ~laR of law} as weft u ell appthxb7e feud.
n opini0
(n "Coam ynniAmoeiahpa Data, i+bn, aad Aar" ~ eU dm. !w. a;at! mad older
Cbatgea, dot and ilripoted 04 BOaOwer o< 161 prafterq' by a cmldatob161m asrOfdali0q,
aS60C7a00a Qr Soal6lr fmgaq
(k3 "!dleetraak 8ltade t'raesfer" melm9 ~y riw~9Ca of taada. at6er dvm a a~acdoa
d~ ~ aindfar Papa iuta<ammt, tubre6 is ~aid~red >hma ea eledtaoie ta~mioAt, ~~
compala, or aa~ede m m m tmfa, ar n ! tesdhrtlpt to daLk a e~ a
account. 5aah tam ~ bot 6t t-o< I(mfted m, poiuFoP.ade ttmtffas, teller taeCiGee
transaclioea, taeadgts iaGim9d 6y taiW~c, arm taavkrs, aed aamtaetcd t~atfilghouse aaasfers.
{W "fiacrow>tema" plesnetlW9cirtwa ibelatedest:~tcdia Sasiott3.
(M) "MiaceWtnesas itaeedM' eteuot aey rampwlsodoe, aeakmmr* hvtard of tiatagges. ar pruoxda paid ~y
m+Y ~~ try (epos Iban faweeaee aoctede pa4l tattler d1c oe dcua'bed 6t Set:ttoa 5) far. (tj
dantagts to, ar desarocdaa of, da: ~4Y1(ii) candernealtea aratbu lokiog ofai! or auy P~ aCWaYmpenyp
Cata?av ~ ~ in ltett o(mnddaodr3o~ or (tvj dour o~ or om[stloaq o w, the value midfar
~E~>inauraom^ au~os 1o9ucmuaa pmlxtutg Leader agaitlri the aaapaymeru oG or de0adt un, We
NQott:, plan Cal stry~taaomtLt tattler r lEyllt$SeaHi~gr I~nf ~ (~ P~P~ mid iaueest tudrt the
Doc rt,xo.xax xrrt. @,aaaa891aes igbtr M~e9dasox9w xm ts,
e9i.r
l~-e~lP+tl m1t01 r.o.:at ra ~ Potm 300a Plat
gK1751PG200~
t17 "RFSPA" n~as tba Reel F~tate Swlemda Proxdatea !~ (12 ZJS.C. ScWoa Zb03 a
~ ~, m a~.~C Pe13500~, as they mdgbt bo ammdpt bum dime b ~,
Inaenmmt, "1iL9PA' refCee m aB s ~~w ~ ~ ~ m t~lm his
ua~P~ a Ima^ aae [f ~ Lam does 00[ gwt'dr ai a '6e~apyma~g~e lom'
i~ "8rrsesae m 7cterrat of Harrower" m®s mY PAY theth89 tolom dQa m the PiQlictiy, Whelha~ tr tmt
dyalpaty has assumnt 80ROwQ~9 ebllgetp~s ~'~ 16Gt!jatp aadlbr tlds t3acerhy h71k1r1aeaL
'~ANSFER Of Yilc#Ii1'S ]hi 7TH PApPJ~tTY
TNs Secarhy 1iesQUment eecaees m Leoetd; p the r~epnyaas,t of the Lam, sad e11 rrnewds, exsdetSons mq
modiBeadons of Uie wad N? ~ Pew of Bor:ower's covedaatt and spemoo+t, andcr this
Sauriy' Iasanmeoi o~ the Nitne. F~ ttds F+aPom. ~Hoaowp doe. 6eaebr awe:ge;a, t3~ mid convey W
11sHRS (nobly a, ama3aeo for I.eodet and Laeder's ae~rs atW asSBnr) turd m rho snocesrars and
Ss~gds of btffitS, the faltowltig dtmslbod propnry tocatad is din Goeney tzYa~ ~
of ttinherleod 6a'~I
eoc e#~3bit ~'A" aCtached heirnto and made art iNemte[k+m,dfaerat4dledoal;
P hereof.
which carsetedy hat the addnaa of sax Fire 8oaae goad
C~aPr~ty '. [drrl. Patttylvania l7a5~ iy,p ~ j
TOl3b'lZ~iR 1V11~i el[ flee faepror~ aaw a hesmtErr sad on tha md~ lend aU easeorars,
Baca, and t'otnaess now or l~a~aaft~nerr a prn of the pony Alt end
1x oavered dds Lam, AB of den it tafened mtreddiBmoa ~m11 dso
] 'm ~ Saaiy 1as~lt, ~,~ty~ °"~' ~ tBle m ie idteagl~ by
l~ sod reader's s and asljiae) has dterJ~~~taw ~ asaAanl. MGRS (aa aamLteetur
ool Blurted ta. the :>elu. m fa[eelose and Bell tta ~ and ~ my aa~ioe 1°4 of T.aldG
ttditlj{. bat nOC rtadtcd ro, ealeasing and caacalGeH Ihtt S r~tmenL
aoC Ys77~497 xeer. M.noai59Saai tAnq *,ooo~ifAOa] rav !o
ro "",~ Form noon 11114
BK 175 t PG2gOB
BORROWER COV~IANTS dint HoQOwer is tatvlttBy sdsod of tha tsaam huchy rrntvtycd and lo+s
~ ABA ~ ~rt6attso, BCJaI and coaYCy tha Propcdy sad ptet ate Properly is beitta, ~ ftu
tmeamhreeca of tncord swropra warrens sad will defend B~a1[y the tide to the Pcaperty aBmost as
rlalras and demande, std~at mmtymattnbnworaoCtroeoett
'CEIiS SECORITY 11V5TRllh~it' r:ombioes anifarm eevcpaala fQr aadoaat uee and aoa-aoifotm
covenants with tltatrad rmiadoos by 1+Rlsdicdan tO coaatitute a tatitbtat aaRity Iacerrmeae oovsta :~
propaq. B
[1N>FORht: CdVxNAIV1l3. Borrows ttnd Latch ts>vt~aad ttgi~m as follows
]. Payment of Priatipa4 iaeerrat, Fat~aq Ittme, ~rneat t,.hat=t7, ttaal Lore GnteBe,.
$ormwrr rbaU puy whw dtm the priacipd o!; sad latt:trst oa. the debt eddatppQ !p, the Note and my
preptlytaast ~ arW late ehe<gar doe aadc qre Ntae. BmrOtvar tball afro pey tunas for Escrow Irons
pttratmrt m Sccdop 3. Paym~q dtu mtdtr the Noes Ural thb 8~ Ittl6tonett ahafl he anode bz U.S.
e-~Y• ~m'a', ~ tmY titeck ur vWu htdrgmwtt received by lends as pgytrrptt tteder the Note err this
Stxtuiry Iamnm®t is feaaned w LtaWer rmpdd, Leader osy rrquha that ttrry err a6
~ ugea tha Note and ttds Y bo etude m ttaa err atoee a[the fO1ba'in8 fmarr. as sclccxd
bi' Leader: (N cots; (b) tttoeky order, (e) e~6ea tdterlt, hwk cltede, traattta's rlteclc or casitier'a ebeck,
ProY~ avy snots ehodt $ tttawa Upon an h]tdutdoa whose deprrits ax hwucd by a t>;daat aB~Y,
~ at~edeemed ro~Ceita,der ethos tecavad u dta locatfoa
sack other hxuioa as stay 6e Daigaeted by laada is aora:tputtx whh rho M is rho Nate or at
daYao~cuQyaGLat~ider~~PaYm~¢q~oytgramttorpt¢ye1P~+a 1aauHidenttobting
widmtu waivrr of ~' +~ ~ pttYrtteatar PMialpaymtsse iasrFCtckat w bring the Loon Omreat,
~Y ~)tdxttt-daarprojadia to Ua rya m refine spehpertaastorpertist ptgatpae is
the ttrtave, batLmdet is not ohiigoted>a apply streh pyyrnonb ads t~ each paymraq am aooepaed. If ®r1t
Periodic PAYmt:nt h; tyrplted err of its ax>~a1ed duo thee. Chest Larder atad not pay iateest. on ttttspplied
htttda Ltmdrr maY bold taeclt ttoapptkd Eaads uali f BatOws tttaEp ]?W~t to bthq the Iona tsJriCaL 1[
Bomowec don trot do so whhht a eatsooahfo period of t4m4 Lender shoU aYha apply soh trends Or temra
rlwn rn noncan. tr rei gpa.i bra`, ,..b /w..da r.nr 1n. pYt~ r ~ trutaumamx prattapa Dtfeara a4da
the Note tatmcdlntety P'~ b No otYeot Or ctotm whidt BttnOxpr tarn have Hoar or a4 the
f~ ~~ ~ ~~ ~ ~ ~"B D4Ytaaa¢e doe tends the xok and This Sassily
a. Apptleation at Ibq~mmts er ProoeW to by ~r 5ocot~y 7ammvuae
ttocepmd sari eppt;od by Calder ebNi be a ~ °s adrlwaa desatbtd ik thb stmoe 2, all paymws
each Era ~P~ Rue uador the Notre (t.~ atttooob dos ~ Sagiaa 3. S (i} iatprest doe ~ W
Payment in the order la whielt it bemote daa aY~a ahoU 6a
late charger, saeoad to any aha amaaats due »ada Ibis Saar) ~iRa ~aata old he appika luu ro
bttteax of the Nosy b' 10Se7e~t. sad tltar to redrrx thepdrtcf)ad
Jf T.cadcr receivrx a ptgweat tkOm Borrower Cot a dtdmgaeot Paiad'~c
sa~ident amowt m pity soy tam ehtage doe, tha payment raay+ be oppllrd to Iho t wWdr includes a
lam cbatge, If moro Wart One Pa[iodla Pe»peat is o ~4wrotpaytamt cod the
Iilaaower to rite repaymgrt Ot the patodtc ataupd~g, Ledderr ~Y ~Y say pgyatmtrcc~ved from
PaY+~ls tF attd to the aakat dine, cmctt poymc„r oaf bo paid m
ace r:s=sass arac wsoserasaar rawt F,aaorssioa3 sae r:
rAIPA) tsttq ~.~artr moru
C Q.l! Form stns alai
8K 1751 PG~009
full. To the e~tC wtd ~ o>stxss mdsts after rite payment is appied to the fall pdgdtatt of ~e or mare
lisiodta FaymoDn. sash exam mmayy 1rc applied m aoY l.te charge due, Yokmtaty P 9hsQ bo
aANja-i3est W any P~Y~t ~ ttad then ax dest:rlbcdto the Nota
ti-Y aPP Df t~Y>~. knatmce ptoeeed9, or]aeeax Ftocecda m prka~ni doe trader the
NoatshaN aotextexd orposgtooe the duedna;, or cbiage duemonnS ~~ I~alDdttsprtymottts,
s. Fon11s ror F~a'oMr [tame. 8asmwar ahatl pqy m Lend~x oa the day Pmodi¢ Payttuats ere dne ondes
thn Nee, und7 Otc Nola is pakl to raU, a tttmt (the "Punds7 to ptavide for payad~ of anmustt dsa for: W
tazd add eASpmatgtis acrd otters itttia! which cad aorta pci~y. over thi9 geetsitY Utsaoteeat as tl Nan a
eocumhraaee on the Pcopasq; (h) lessebofd pttympds err ~uml tools on the Pt°PenY. ~+mY: (ei P
rar any sad aN htsmaaee requhW. by Ladder tsder Baader 5t tmd (d) a huuradee pmodtwts. iF iny,
of any 4ww payable hY Banmrea• m I.a~dcr in Lau o[ the psyatant ~ IastaaocD p~m+ituga in
d~dar~iag the t ~tbe I.oaa, I.atdrtN~ stay rettaire Codaraaa rltsx(arlon D ~ W ®y
Assostmeats. ~ soy, >m ataotwod by Boaawtx, and sack dud. fetaa and s7xaatt:ats stwN he EmDw Lem.
l3atttnror atuJ't ptampilp fw~h >A I.edda~ sN ddtiees err tnmtmts to be psid nude ills Senion, tionower
shall pay Leader the Panda for &sarrw Leats crates Leath aaivra euaorsa's otdtgadrra m paY the Funds
for aay or aB PaaDW Items. Corder may wiivo BoaDtra'a obligation to pay tD Lesdrs Fadd9 for my ac all
Psaow hems aL my ileac. Any s»ch watwx tmy eotY be ht wthhtg. Ia the event of such waiveG Barowc
shah pay dieaxty. why asd whets p~Y~b. ~ amoudts due far any $~Craw Lams fi><Mhimt ptgmcdt of
Faads has trap watvcd hY Letttler and. if Lptder sgttt~, sbou litrni9h m Larder tceoip{, av~deodaR crab
pgnaetu trtttdn such t;me resod as Creole may r[staha. 8ot:owct's ehtigdpan to recta ts,oh pgymenis add
m pnst~de ~a rhtdl foe dl ptttpmtx ba loaned td be a eove~ttatd ttgtemtent Coalourai la this sastty
instrDSlottt, as rho phrase covawtt std agnxmeor is Hoed la Seaim 9. if 8ormaKr b Dbtigsh;d to psy
Fawue Lens ditwilY, porseslt m a waiver, ddd ~niowrr mis to pry the tuaadu min for mt max 7sem.
Lades tnay etttdetse its tights attdcr 9e;,tipn 9 twd pay tateb ttmttoot add 8Dea7at:r abatl ddat ha ahligasW
under SecilDa 9 m trdtay m Ls~ +WY such atdaani I~ ntay tevoYe the waiver d m mY a alt >~
Lena et tray thne by a aotteo given dt aette,shmoe adlh seeilan ti cod, upon etch revaesdoa, J~prsotrQ siult
PaY W Leader ill Ft»tde, trap N stub tmtnwts, dpt ace tbEo togaited attder dds Sestlon 3.
[coda tttsy, sl ady fm-e, aoNat crap Imld Funds ie ao aatonnt (aJ sotIfeieat m pdadl trader W apply
the Funds a[ pre t®e speatIIai undo BESPA, crop N) ant m exceed the nugdmma tmtoatu a leader am
regdte uod4 ItBSPA. Lender stndt eeiiayga dta amaott aE naiads tbo od dte brats of tat4ga dtaa std
raaantoble eathnmu of e:peadtdsaa Df forme F.saow ttenq err otharwiu in aeeordatea whh ~PANsr6>c Ltw.
The Fonda shaa ba heJd to ea hudmdon vrhasc dcpasity aye igfated try i federal igeney. insdemmteNtY.
xoea Hank. shall ' N` Corder ix m SnsliWtiwt eyhDSn depoeax +te so hunted) or fa soy l~aai Home
apply the I°wtds m pity d+a tteetaw Itaaa dD lame thtm tiro rhea speei6td ®der
RFSPA. rmda ahtOl net charge Btutoaer for bolding ~ spldY+og rho Paddy, ttannotly ~Ymg der
escrow aceoooy or veri[rinB pro F~ow cads, wilds Lender piYa Btnmwn~ idteaese ao the Faads acrd
,applkxtldo Iaw ptxmits Lender m taeka such a Vnkss ai agtr7nettt b made is wtidng or AppNm6b
Law regattas tatetstx m Tx paid ad Ihs Foods, Caroler aLadl ant bo tegnhed W ply 8attgwa mY ~t a<
tamiog9 on the Fmtds.13mt7mar and I.uttda cat ~ is wt~ng,lwwever, that inttyrest shell be p31d oa de
a00 Mt]212t,S APPL x,oooB593097 LO11N titoooasslep I71P e;
f~OAtPAitoi~ot Ptst>rwtr a~tw~ Formaoa0 eras
CG~
8!(l75iFG20lU
RE Lander ads11 give tv Beaawer, withoat ebarg0. ~- animal accuttatieg or Uns iltndt w required by
Tf then is a staples or Fonds held m actaw, as delnm tetda RE4PA, lendar shall aceota~t to
eottawer for the excess Grads ht t-ceotdeoee with izsSPA. Zt there b a ehortege o[Fmuls bald in aaow, as
[Icfleed satda RBSPA, [each tJmlt tuffi[yy Boerotva ws ~ by RBSPA, sad Beppwa.~ pad, to
teach des matwmt nxessvy m tntlYC ap the shortage to etxmdtlaee vvlth RESPA. hat fa m mote dlot 12
tnoaWty RUveen-a. if theta L e darsdmay of FsstdY kehi is estaow, wY defined undsw-RBSPA, Leathr dsnLL
ao ~Bamamr ax tglYiRd by ftpSpA. fold SefJOwer Ib~i pld W I.eadt tha eaWtltlt ae~ESGpy Id aud~ yp
datcy hi aaordeene vdth RZ,SPA. but in m tattto tow 12 maothly ~
Upon pnyatem is ihU of aA twnus stxmai by dtEs Seetmlty Istauo,gts, Ltmda shag . refund to
8ormwtr+sY hands held by Lender.
4• ~~. 8ttttowor aholL pwp aA lancet; qtr. rhnrgas, ru+a, and imposhioay
muibutwbte to dlo Ptapeny wteiop wn ttttttiu paetity ova l6Ls 5aerity katdgld paytttpns a
grotedd tCeb on We Ptiopeety. ilmgt, nad CottuaunuY Assodesteu Ihua, Feel, wad Asttmsate~ts, treaty, 7b We
extent that tb~se itmq 1waTesaoW )ums, HotretYer shall pay Ihtlm io pws p ht fitaedool S.
Bosrewer slw$1 pttttttptly disebtsga 01U' Itm whieit ho priority tsvlr dds 5oaur;ty Lrhomeot oNas
~O"'~ (>a sit is g -o ~ peymetttorthe obBgadoe ~ by Ule Gen ~ a ttm~ebie to
tends, but arty m toeg a9 Boavssa is va!'>molns tmdt agraetoetm; (b) opptpN the llea is Ytood Gdt6 by, cr
defends ngatost mfoasmtat of the fiea;a.legsl pro~gpgs which b iwder'a optaiow tiprrwlo to ptevatt the
earotcemoa of the UCp wtt0e dtnse l ere pending, 6wt atl~r Ietdl soeh ptoaaedlttgs ara
to (~ nawrs firm the holds of the Gen oe ayseemaat
Seasdty ra~mt Q Leatdtu tletenttlam stmt any lent or m snbotdinodog qua tirn to dtls
psietuy over thtt Secmiry btsusatamt, I.ttWer ' is aebjext to F Ifaa Which eea auatt
dapls or dte date tm which ~ nedca 19 ~ ~ Bmmwer a ttttlice itieadtyltlg the Gen, IK+hltia 10
eetioes std forth abeew bl this Sexdns 4 iT~ HNtowtx shag ~Y ~ lh~ a te1~ rant or mesa or this
T ~W ta9~ 8oaawa 10 pqy a ene-tiara ehaega fm a Berl eateta twx vetiGcadoo wglbr ttporting
sctviae used by Lends ta catmogiaa wiw ~ Lomt.
p~,~ ~5. ~~P~Y Iuaut>u~ Batvac- e>uG peep thaiatgtovemeau new ~g a hetis>ter exacted on the
• ` t^~Y ~~ iD9! by 11R, hpmtds blcitekd wlthm dle leir0 'CxteJeled wYaege," Bad nay orbs
be7ards imdttdiag, hot sat llutited ro, mAhgadQS told lloodi, lOr vtltich Leudpr 7oyidnm Tnsuteeee, 71d,Y
s1taII Ue me6tlairmd ~ the emtmnta (uteloeGag tkdetaible Ian and far dle ptstods that Lender
aeq~ Wbta Ltxkia segtdttsl ptusseut to rho p-txsdhtg wt-atccs trstt chmlp doting the ssstn or rho Long,
Tha httattance mien ptovjd'gtg dte inaaeaee shwa bo ehtuaa by 9oaowar subjat ro 1xTdets tight m
ttisApptotrF 13asiotpcr'e tdtMee, whitdt tight shall not be exetettrd astray. Laoda
Boanwa to pay, iA eaanaedea wirh thu l-0wa, atdter, (a) a ttnattaea citts~t ror eeod zoee ~ ~o
cat(f-iaation and ttacitit-a sety~ ar (b} a unadme ahargo ror (food zam dt~rattnepon addva
~sviees sad subsequent ~ each t4tro teaoappingy ae sirkilar dteages ttttous whit:h ressmmhty miglu
atlas such de~ttmhtmieee tle{ txxdfieatloa, ]loerayla Mall also he rerpoaYibk rot H16 lsytaat! or >mY ree8
imposal by the Fedcrel limetitenoy Maaegcmtnt Agtmoy 6t retn>aime veldt the levicw of nay Qaod zca,p
~~t~atiot- rssolting tram m o4jactioa by Borsaa+e<
aoc ttilz~at6 aPPL kctltlonssitles aostt ks00otlr9iae7 lav Ys . ~ /_
t,~~BA(pAlptsot MN4N~ ~r ~
ry.eMC. FortaJOee slat
~~.~
BK1751PGZ01 I
It Btu7awer tails m oaf ~, cC tdc envaahes dedcn3ed above. Lmttkr may iaeiuat~
~8G ~ s option and Bonowm's ~p~, Lender is mdrr ao
wr+~ra>~p..+...~,..,....~..e.,~,,...-...,,us~....•~,.h ~„ °bllRaion w na~ahnte m,v
imm~mr~ .1.at Dmraww~ ~o~1d 6mc raw..t....t.. ~ ~~L ttY ~tci:n th! .". ~ Af
~uu~o addhtonat aebt of tfaaowc sassed 6y rats S ~tT Tan"ta tur/ir pus aeouaa a ~.u
ttus Nate Tate trout tUa case of shop 66 u 7trx~ ameutu: ~a i'rm. ;a,~ „t
eo Zaatre..~.e,y«...Gyt ~w.r...c.u, paY'-~-.. Wslb :,,~h sOfeldL OOGn u~uMm firm T ~.n.r
rrdirw.c rrr.mi....t f«. t....t... _~ _~_ «„u.,W ~,,,,,, w au. u
eithl b ..rr urb 7r.R«tw'. «..wl. ...WL ~ ~ ~""" Ur+ W a.merQ•
°~8A8N eet~ A9 ae ttddidaaet r4YS pgyCq j„m~ Saall have 1ht C e W~ 9na1t uettle~ der ax
t~crtiGeatdr,l< Leader7e9~. Batrawtr lltall Ptompdy Siva m ica~ to hOh} >be Pp1~(es remora!
tduwal ROCrld. If BptTpw~ abtsw: any form of to '~~ °f ~ P~+attsms and
daatase m, ar despyetim or, the Btopa~y, each poilay shat[mcmde aaa~ ~ mdreltnll
natuo Lmdo~ as mmt~t8ca ~ ~ tin addtdhonal loss payed
makerptoot~jagt if~aot roads Thal[ Boo ptumpt nadce to cite hunawaca sankr and Lender, Lr~ may
~~8. ~' ~aanCa tea. athadter CrCr tWt (his gq~UnkiS l~ldNr ate HLIOOWW OdIRWiIG ajJCa 1n
applied a ras4tradon ar tt~atr of tlr: Yh+B moo was Tequazd by Leads. stray be
trada a is sot htstxt~. Duda s~ixh~~ ~ dw °` ~' ~ Y t~3ta ana
hO~ „~ ocapodmcds undl Leade has 4 ~ ~ ~01~ r~• ~ shalt bin y,e d~ oa
has b~ tt- Lm4ds sada~ottoa, l~drJl ~ ~ ~ w eas~ae tha wade
}s'+Yma~a~as die wade ~p p ~vaan~ ration fit a ~ p~ orau~
agreentept ie made ~ Ttdda6 ~ ~p>;cable [~w
waaia~ ~ Ffar Puts. Linder shot! noc bts regot~! a~ psy 9ottoamr auy ~~st~or
tad oat of dos inswt>ttce p Aad ~~ m6a ~~ by Barmwer atwtt trot: be
n ot`BOtmwa udas
sot e~aAmigaty fmsible or ~•, ~, woutd ~ ~~ the ht ~ 6s a
die sugar acctnr~l by tbls 9eetatry laetron[enL wbodtrs a< val thw
t3ocraweG Sued instvancep~s adaU be nppaed m tits ordQ dttq with dtc accas, !F anY. tdd m
atovldsA for in tteceoa 2.
~ atamdous du ~+t~4% t~nda• a>sY tae, sad settle way avalhbk Ingaaace ctat,a
ttautdm, u DarcOavoc dos sot itxpotigd within 30~ a AO{ke Jrturi I;nd~i eirot.ibr lararse=
c:..:Iee 6a: shed m ,weHe n +sadu. dum iraab• any ~gatfaie Add setrk
when dui i+athx is glvpt,la rldlet evgtt, a lF f~pder Iba stator. Thy 3t?d~y pampa wlU
qa~~ tha a ~ ~ ra I.aadar tpy aoa+arvc': rlg~ ~r ~~0n~oant
tutd~ the Note or this Secarby tl and (W uny adux a~f 9atrnwet'y
~u t~ Won die fight to eay a1Lad of antTfined premimtis pay ~, ~ortautet) wider as iant:attee
au>y use the isytaart~ x ptt>ceeds~ ehha b such tights art: app6GUblt m tha oaveraga of die ProP~Y~ kndv
Naa; or tMs Stxwiry Iwmtment, whetlas r~ X10 ~ P`0P~' °r W paY ~omt~ uApaid under the
DAC NiJS~zt7 ~1PPL p.o00a551e~3 Lallq M:OOOaspi0a3 Iplt pt
t'q~,-6Afpa}tenv! rwaTatts ~apwt~
L'a par,natua uo~
~!(! 751 PCF012
i' • ~1D°"a shatl SPY. ettohlith, Sod isle the Flropaty» 8ormwt:r's
wlihtu 6tl days et4er rho of mis SeCodiY Inshuaieat end chaA caah7me io ~tdatrx
i3anoxa~'s reridwGi far at b~ one v®r otws itrl day M'.,,..~~y., „"~~I.~L+c
t~ ~ wridng, which CawmL shill not be uarcaflonably wlihhold, or aaiur csmiaedog tiggimtrom~ra
diistwldch aie 6oyood HoROwce'amatml.
7. PreservAfiaai Moloknmit:e aaa Ptalectioo of the PropRr4F SmAcctlans. Boaower ahan not
~ h'tiadmgia d nlfow the ProA~i' W doxcfonoia or oetumh wane oe drs Pip..
the R°p°tY tivm detafonWngor dt~Q iA vdim~ d Ua~ hdetuitNoed P~attt is
Scctfoii 5 tbatn~air ar iavemdoe tt ooc e~niaHy t}tnp~, 8aanwor shall prompuy n~ttr tiro Pmpmy if
domgged m avoid fiathc defog air dtinmda If m or tocdemaedmt piyorctfs aro
coanoetloti wh6 daasigt m, ar the Wdtg of, We Piepe+q~, Bmrowet shell ba die far Pdd iit
r~tmt ihePrryaity ~n1y if 1 cider hr rd.wMt pwaeod.l'v..od. pa.yy~y, I~uica ~'
for Iho loliairs and a is s PaYmaPt of io t rata of podlear ~
If fhe h~uanee or tsmdenmuigi I>r~s are aot suq'iokat to Yom' er rliloee Ute lio~y,
Hoirowa is uoc:o'skved of H~nwtt"s ob$gotloe for the of slitii titpair or>rnotadon.
lender or ir9 egent mqy' >~ ~anrble eoQip ~ end htspatrotn of the Pmpeey. If h has
reawuabb eaoee. L+adu mqq Ltspme rho iola~Or of the • B~
Baetoovernotiee attoo tttae of arptier to saeh m ialattlt ~ rearowhTe eaax.
e. Borrower's Loan Apptkaywi, gCi'i0wer shod>x in deftWc ~ qudng ~ j,®~Fl~adoa lest.
H+' ~ ~Y Pew or oatliter acpug of the 4tmctioa at Ho-rower or wifh Hwtower't lr~rhnlps or
constnr Gave mataia0y ~. aiiskadb<~ ~ taa~meme or stiltegyegp{ io imda [~ faDed to
a n na lotokd t~ ~~ ~ 4t wit the loan. Mmedal h,dade. boi
trsideax. ~~ g 8oaower s otxupmicy of Ihr: Ytopaty as 8ormwitc'a pr6if~iaE
9. Ehrotectiaa of Leoda'a i~t~ 6i the Ptrvptx~ gad RiRhta Oud~ lids SeraQlty Is;st:ameat, lY
a ~ g ~ ray the ooYeamp and e~meatr oetilaio~d (n this Saaalty i°sp~mt4 (!~ doe is
~iti<annnyy a~'ect Zciider's iotioott h1 the qty and/or tighp adder Thlr
Shy >~+aumail (snali as a pcetxsaiog hi baidaaptalr. l~~ fit' oaudemneiion a fodeThee, for
eafot>xmeet of u Ilpq whhab ~ adidn , tiva ~ lat~ilmoat ~ m ~,~ ht9vs or
)~°t [°y B°"ow°~ hd ~'°d p'° pi4 then lmda may do gal pq for whaierer tr
to tit Leudta"s ialazyt is use a m~a xig~ widtr ibis ~d4'
resuumem, hielutitng Ihoaxmg ~ e the ,oleo of the Propagy and seGrdng t ~B
the Ptop~N.leiiaa'a adIou6 era iaelad4 batons oot ]hiiiled to (~ pgrLyt mY tiaR7 ixttutedby a lieu which
bar priodry ova dd9 ~Y ]irthmira5 (b) appeatiag iq otniit; gad (a) PW~ ~blo
]mot it1 ioie[rit in ttie Propaty a~br t~lae ooula this Sead{y faravioeo .~ '~ l~ to
Ina 6ao~nptcY P~d~lt- the~t~r hiafadst, hal k tiol Iced ~ente+ingPro' w1vi
tispafra, a6ange 1odQ. ~ or btiatd ap doors gad wLidows, diem evap:r limn
8 or other code vip]gllont oa dsogaous ooudhiaus, gad havo odGdes palled oa oo~afJ:~ Nlhail~i
~~~ ~ ~ raider this Socyoo 9, tailor dm rwl have m do ao tad L got ynda gay amy or
Ueda ibis Sxiiou 9. ~d thot 1etsler laemr as iliibWty for vot talotug ray or e11 rotiao: auihod~d
ooc pisuasr iu~i!i; r,oasrssxoes t,oiw fierroesasooa my pi l
tdd -~IPA)in~o~ ~.r.~«u t.lure
~'~, Farmstrt Prot
BH{75{PG20{3
Aar anwants diebutsxd hY Leader uadrr U~ts Saalpa 9 .halt tas~e addidonal uebt of 8oaawer
d•ebarrerp~mt~aads s6~au ~1n.pnmeat. These amorous shat! 6e~ tamest m i6a Non rate from the dart or
paYahta~ wlth uxh , opt aatlx hiam Lead4 m Booower regoestteg
1r ~ ocuo~ 7nrtnrmn~t is on a icareha(d, eoaoarcr shalt mph' svbq all Wa prDViato~ of dre lose,
.aims Cea title m dk Prnpecgr, dw)~t,ehald sad dk ca tlde >baq not mpge u.t~ LCaOtr
p ~mtr~eripNaidgs,
age )<aaanaiea, II under regvircd IKcutgage Iogp~p ~ s
M ~pt+emiama ugrhad to aadnWa the Moegagc to ~°fN
t~otou:br nrovWed ~~~alaaaaeaun~ga~d H ~~ b a from 16a aiar~age hN~aer tltat
mb~w~ia8r agam~irnr~io a B ~ '~t~ Idepemt~
tlro entt t Barmwrr of ~e lZottgage lea ~b'~ e~'eeG m a ~ rebbaathdly pgrrly~t t
rdocayl br l.eada. is mhat+ati.IIy cgaivaienc Tasamn ~ Gemr as ahcaaa; raB~6a rasnm
caadue w pay to Leader the maomt of tlw ash' ~gat~ PaY~m~o th~oc ~ daeivhaa ~r~
iv Itat afof ~b~StYaBe 7~~x.8~ ~ 4 sec and semio thrre Wrme~ra as s ado- kys
off" ~ rya saa ~~ I.mder rhalloat ~.e ~r mAO~ ~R ~
rho amoimtaad for the peeod drat L~aktaBgres'~m Inas rpatve psymmts 1<lvio i (m
aratlaWe, is ohmieed, sad IaasQ mgairer repo ~ y ~ ~W ~ tl~ ~ ~ beeoma
ra)uinat m > d f>aYa~ wwua tho p~ me L°a"ec
r~e.ersr ~~ t ~~ott~C 1aaBnaea is a8ix~ art a+ub+ahloas
rogdn~ant tar mod, itt aaardaoee vrith an
~ N 8a ~ a °9eoatr~lo~~i tW a~reh r~ion or unttl rm. m by A°~ent
t renabma~a Im armor( any ~ ~ ~atagrot tl~e mlaiuovtdu[ Ic dre l~Ote,~
tear![ 8arower dam na repay sqa Loan asagreed. 9orrorver is ~ ~ ~ °`~'
~+ttgaxmassrdh ~ tl'dr font risk oa aH amh iaruraace t foam 6om dose t tlm4 and may
on a~oa and exmdhloto tltar ~ r6etahare or ~y d~drrlrlc, Or:adaea bucr.l5ma agreement, aro
ggreo"m`ts 7L"° apeaa°'ta e ~°~~ Wo Who` l~r ~~ p~adad) d dtera
~e iwmor mar pare avstfabla lsrhieb may iaolado fsaids of b fnam~a ot~ro ~m
As a «aulr of these agnxgrcpt,r 1~m+drs~ pr~mrer of ma
ocher aathy, o< tuty atTilime of arty aFibe [omgaarg; mqY tbm[v~r (~ ~' ~' • my
~m~~mrg><t he claiaaoatred m) a pordms of 8orrorue,'a payatmp ioyr Marrgageth ~idat dari,e
a~Yi~ ~ insurer's ~ ar rsduetag lasso. ]f each aAoearept providoea
in,mrr, ttus same >ai~ a skue of tho iauav'a dale In e~ga far a share of the praaia~ p~(m ~
&onrnC $ oflcn tetroed gpdy .~ Fordrrr:
!a) ~r each agraemeBts srlB Bat J1QhC! the amamRt that BarropCr ras ~ to pay for
ot°r' say other terms ~ We Loa.. Sueh aBameaft wt Bat inapye the amoant
1gaJttsmsrace: sae they wm sot eatltlo>;aerosrer !o arq ss•fuad.
eoc vaxtx,a x.va r~oevasar,oaa sane r:aeoa5yiorx aiv .,
aalaA) Nn.l inamK
P•o•ad'a ~ Faneaaaa trot
A
BK175tpG20t4
(bl ~T snob etrsaaapte wi0 not atfels the ri@ltlt; 6orroev hos . ~ as
Mort~e iaaurimgs wader tb! Aantevppefw ~etecbOn Act of ~99E er t ~ 1rNh ~~t 10 the
iarJade the ~ m p'aalre ~ ant older law. 7'akpe ~ wqp
Itrsmaae, m carve the htort~e>'aatrarcx~' t0 nqt~ wad abtafa m11ce[toNpa of the ~0!~°
Mw~e Ivnaaner! that uagr~pedat 11~etime pf~irp~' b•~e~ ~y
~ 1`~arseda, Farfeltare, All
asalabdwaadp6aubepp~~roLadc. ~ ~mds iae besebr
mod, aueh Ivljsceliuocam I'cococdp ahatl 6a
P^°'P~y. B d+~ ~auadon ar rsppi< is emao,nfealtY fannbia o~d m'~~OA ar ~~oaf wee
Larder ~ had + g~q~ J.padtr sudl have. Iho ~ to bold atw:b~ Fraceodss may
~~a4 t~~ that barp~ot~~o~pg ~ cork ba. haw eomproecd m i.ertder's
o6leemeat ~ made3a dau or m o ~riet ol` ~a ~' Daf' far the ~ wad
m, ~ Low 8~P4 ~b o Iho woric~Ltafaa mi
I.ei-rtrofiallaotita~yePpY L1~star ~lta~Gl p'.
rr~0oatina or nppb it m[ ° feadh~er' I.eadr>r'p~~ °Q aac6 Plooaeds, tf the
13oc,;ads tdtell brs appNerl w the stomp sxmed hY tbtc 9octtpig~ ltw. whelher~a~pt ~~d ~ oac
Scaioaa.tp~. >~ m 8turawey; Such 6~apaos ptp~p ,~ be is dta ne'd1r provfdpd for in
in tlu tweet of o toml ~ dett, or ktn is vplap of dtp
~pdd toeorrt,w~Q, soma scauied by this Smutty lnsnuama4 wLWtet~ ~y ~~ ~ ~
~ of the ~ ~ a A~ Iat3uY~ demna~iaa. or lma la wdae of toe F+epeetp la wbtdt we Ceir mtulxl
Utm the amwtt ~ ~ a lost in roype k e~1n1 hr 1>r ft~ata
~demrauiaa, of kros hr valac, tmim RaRDwe wad lelydrradtarY/lta agtx b~wdlh~~~ ~$~
ecadty lntaReamt tlgtQ be tadoay lq, Ih6 amaaar of dte ~ p~
~mK ~acdlrt; (q) dre tom[ praappr aF dpo amoa twsated ~ ti t,~a,~,,,,~~
or lots w velaa dhrtdcd b!' (b) the chic market valpe of the jp~,
danltcdna, or bsp iq vatbe. A1ry 6dOax shalt be pall m Haernva, 6cBaa dta partly tolo'mg,
in dte evtAl of a partiIIl eegracdpn. or iaa$ la Ndao of dat
yet of~rhe amts secru ~ ~0~' 00• ta ~ Is tl-oadte
Ho<+ower and Larder othawimy ~ ~ ~ bt valttC, calm
stead by tblp tiatpity Iu:nuerp,t whtatty or aorlte area era Irma doe. appBed w the wma
Parry ( de6neild,e~ hY St~1ra oe ffi otEa aadce by Leudtr to etlrrowa tint dte
a4ttrtr to amke as trrrrrtd tq aettic s ~ far ~8~ Banofads
aPP1Yibc A~ ~~ actor the dme 14a aodop i~ gym, ~ndrr)s aul6odud w oot~t ead
$mv~ lnuaumeat, whtgba ar a4t lbm dec. 'Opposra~rgraf I~~heir ~ y~mp q~ley ffisamsat owes
~~ Arocecdp or dte ppRy ttdnfsra wham eonower hap a d6bt Of adim fob m ~
[.eadc'i J~B~ ~k toss is fa f Ya ~ ~ w~a clviE ~ cdathW~ ip begtm daa, m
la tLe Propcay ar pigbtl wader thb ~ ~ ~~ air mmeda! t of ~eadm~a iatacn
~G emrnwrr am tatpp sack a drdimU wad, i[acalr2adon
a ~ ar in 19~ by ~g dw aod~ or ptoeont~ag m be dtan#sred adth a
J~aGt+b precincus iorRJmre of d>c 1 dr qy~ ~P~au of
LpC Y:9it2so A-pL Y,eape$pipa3 r~ttr Yieppe59tepx >]IY p,
-aA(PAj ror,pt IapYY
r.o. rpm,. ~, Farm a07a 1141
`~
BKt751PG2015
header's iatetesr in WO Pmpei{y or tights tattles dds 5agai4r Imaaaagp~ 17m proceeds of aoy aNata a elaitm
dauursges thot roe aw3but91ub to due fA,p of Trader's luux+rar In the pjopesry ~ ~' ~d
end sbaL 6e patd to I.undv.
All I,~iserJtsttroaa t>ooceeda drat pC trot appLad to raioraiton tr re~apr of lira Piopeny sha4 be applkd
im The oNer pravWed [~ m $ot:flmm 2.
l2. Itor-otYer iVet 801eosed3 Florhearaoce By 1Leodtr Not 0 Waiver. S~rfti0a of The pmC for
payattstt a modifuadon of amordxatiam of the rums sactae~ by dds
b Horrnwer ae any Snoaantn[m Taerrmt of 8auroww droll ant opus gp~,~o~
~y Sttccesson m ia0emat Of Saerowrr, Leader aimll not bo regtto~d to mauut~e ~' autotr'mpo~»
STxceaor io latetea of 1{rnrowc tr to teluuen to ezvnd thne fa payment or odttaTYiso
of the stmrs secTUest by Wls 5aarhy ! by TSaSa O[ arty dmtaad made 6y the Borrower or
eny Saarasors im m Syr fd bj, rmde to exero~gg atsr ~ht or wady
irteluudin withaat lira a of paymvu>i Gom Wad pew eatWea a 9ut3:aaots is
lain of 1;otrawri or in amomTts ttsa msga the amount rhea dqg droll not 6e a waive of er pteClade tltC
cxeleise ofany rightarrrntedy.
I3. ~adot and Severer LIa6>lit,; Co-dgner~i Snocestatn and Asdgae tiamsd Booower T70YeJtRmt!and
egrotb dory Bonvrver's ohttguda,~ and >>a6igcy droL 4e joist and wwaol. Ifoa2ver. any Borrower whp
lasaammt tsttiy~ t»t 6m. dos as mceeota then Note (,a ~-ag~rro~s (,a is ~tn~g rids Soemdry
Saurtty iasarweay N smart aad eoavay the co•sisoa'a Yuetesc iy tko praPaO' osier pro tetras urf this
(c) agrees that tb~da aad ply vhpgated to pt-y dmauttus txroned by dde Soendry rmammsq,sq and
aoy other Bmrogrer r~r agree ip Rottend, modify. chrbcsr tr easier as
boas wLE n~ard m the tame of this Seou~ity Luaummt oe t6e ~ t~ ~s
Sagiecr W rho provllioar of Segloa Zg, aay Snmesoor is lnraest of aonower who arawnm lioaoaMr'r
ohHgadoas rttrdQ mis Secmigr Insoronat ht 'mtg. and b Opprored by leader, tdtotl ObtaLt ad of
Borrower's rights mai >> mods tkie Seeeai~ Iotpymsm6 Buatowee t~ ear he r~ llipm
Aotsmowa'a a6tlgadaae Sod Ad~iq Tmdss dJs 5ogodty fwtmaeat aatwa Laru¢ a~xs m such release ht
writing. TLe oovenaea arld agramrprts of Wis ' fnrartmren! ahau hind (ret~pr ~ puwided is ~.'daa
»~ ~l6~ the aaa~ssoa amd anigmt oll,enda.
Bouawe~'a detault~e+~ taay ~ Batrovtes fop fa attrvkts pt~oati ht marutlon visa
Secta~ty 1bai1 Laadera intaaa o rho 1!rapaty amt djlW ender this
iagsad to oay odua AYta, the absetes ~ e` ~liatnoys~ ~' lam}' ~ tend vatv.dwt fee. bt
m eortovm shots eat be emesxd as a t~h~~ Ala dds Soasdty t>Wptnnmt to
dr<u are Quptessly nrohitiitcd }ry thy of smh 6ee~ Lmeer mey mac e1~e fas
tf too I.am- it mbJect to a Lw ws romtimem 1~wgt l.aw~
drat tin enteral or ode tan ~attd tint Utw is iimtty m
t>~md Urmi[s. dtt~ (q) any r~teh~scoUafm or ro hen eollaBed is avartaedma wilh the Iaea groeed tlm
Lo ibe pumnErted limb and th) aay oMeady fiam Haatiwer wha6 ~ Ddm9tleA ~Ttts
wig he refunded W Booower. [render may dec. to taalW thh rsfnad by raluelag the ptioudpal owed wale
dte Kota o< by tnaldrrg ^ dheCt psyatent p 8ottnuver, If o tufmW radutrs pdn~Pd, tkc tedruodmt wAl be
provided[ a dt~t w~ut any pnmt cparge {wlsetlxr oe mot « prat eq~e b
wdl constitntc a waives s ~• 80etdo+a'a aceeplaace of any sadt Pehmd trade by dhectptq+ntptl to Boatpaef
mtY rlghtof aedou Btxtawar might have arising one dsoeh ovGgtrogG
a0C ar)o~zs>. AYFL (f1000esil0es r.Wnr a~oOOeYlSOe3 37N Yr
InaH4
l~'6A(pAile7T0! p~r.Trase ~ Form Oases t~0i
a
BK ! 751 PG20 16
svrilldg. ~ ~~ ~aS~otmwa ar Lrvtda is ea;umty rasawnmt ~~6a tot hero
Siam zo Harrosva~ wbaR malicd by ~ ar wbmt
tsJdters 3f sett by other mearo. Naito to ally Oulc Bo~rvcr tdtatl ~Y de>it~ b Boeoaet's eopx
Applit~Wa Law esprmsly n~ai~as aG~awiae. 'qta a0~ ~~ W nl[ Ba,ioRets ta8as
Bonvrve kas dud a as tt'~ addre4 shy ~ dq ~ ~~ u>~
notice addrUq b oopce m ~daar. HanoiVt
Latdet of enao,vpas r]turSe of rddrms. tf ~ ptbtaptty mdfy
~ ~ Bm eted noda~attd~ w~idar~tita of adtbmr wro ~S1bee mqr ~
be glvea by S tr ar by tm8lag Jt by T ~!•~ alt at~r can ~ Any aadae m Lander shall
~ tlrsiSoatW aatahrs addteas by tttWce w eattnatx. 1•~der saddrea aWcd haroht tmtms Lander
shall notbe deemed to have beoa MO' ®tso m txtoggsTon wnb this Securigr it
~ W Lgadrt tanU ate rmeivedby ybyy
dtis Seutdty >'» is also sagaited urtdQ APNiptblo rays. the AppGm~-~rrt(uita~iKat ar ~eeBsly
~ a>~pwdbt~ealahnaent ttoday~ raraumar.
116. Govammg Lea; . aotee e<Co,uterttioo.'ILis ltd 6e Spv~.eoed
ma[aame~d b ilia 8~, °rtt~,wrc,se ' in wbfeh urt AoP~if, is lo~od.,tilt,igpt:,md ob5~siaa9
Appurabio Law edgttt a~lieitty or bApiidUy aumv qta~ acgnb®utts aad Hmhmlaes ~ App~tb iaw.
shah samce clout aat be eonraaed m s ptolt8tidop ~ ~,~x ar h migbe ht: stbmt, bat
ptovisioa a citatsa of t~ 5ocatily Iasptunese or trio Note 4atidleO xlth ' fi rite event rites soy
CanfimdnC ptpv(~idotn of this 9aapetty Imtrraatstt ar the 1Vote whicJt~' ettlxt vvlthoat ~
As mrd ie th$ Sowrity lasuuateot: (a} wardr a[ Wa a E~da sbsli mean ttnd irtGhy-a
inctadc the Dori vice~vttaa; a~c( ~fm ~bitYD ~) v~aNs In the l akaII rttmn cad
~, aaBoa. ~Y' 8MS diWaatioa whbeat nay ehilsabmt to tote
r7. Borrower's Copy.l~repwar :boil ba 8ivat ona copy o[ the Nttmaad of 8tis
18. Transta of the Proptxty er N BeeeGrW lateral is Straaihr ~~C°L
'7atpese m the Peopetsy" metam ttiots+pwsr- qa toted fot This Sediao 18.
a'amfested is ameba d tta~. b the A~y~~
itSaxmmt, tie htseat a[ wa[ which b du anovder of dJ4~4 ror deco htsWlmea' m~nttor~.t ar mow`
by ~a a a totare date m eparcbaaer.
g an or arty part of tba Ptapt~r or any Ialtlaa in tlta pmpe~y ~ nom er a~fa:ad ~, tf Boavwer B
trot a aamrat pc+soe and n bend$dol m~ ht 8mwwufs mld or ~ovti.a-dcr's prier wriitea
coastal Laa4r taay ragahe lAanedtpta paymear. m IhU of All sums reseed by Ibiti Sectmty 114styatora.
AoNa+ra, tb8 option spat! tmibe atet~~scaf 6r Lcada if ~h at~a Is p,Wu~d by 1Le aodoa alull
Il' Larder exaeiw this apthta Iaodtr ahptl S~ 8anuwe tmriae of aeoal~16b
provide a period of oor t~ tph~ara 30'dtrys ftonl tl+e dale the nottae (s Stven 5s aecordattx whb
smos plot' mm r!k esptraQaa of qus ~~ ~ ~ ~°mmaaL 7f Borrower fags 10 ~ t6~5
IttanmeemaddioatfardQaotiesorae~co~~aoty~ 1av01~e nay t~med<es ~~ ~` 14is Saata9ey
19. Boetnwtr'a t to sdmfate Alter Acaeierttttoa, if spRp{Wy maps Cenda caodiliom,
Bomowv atroA have thet m hmae atfoaptmmt of this Seauigr ltttnntmpm t8ecoutivaed ata~ tlme prior
m tae aprLest o4 !P) fivo dt~ya beige sale of the Ptopag pattgirat m m7' power of atria tmnrabtdl fn ibis
~~YY fit: lb each otba~ paiod m App11pb1aLrr m~gt>pedfyim the ssmiaatbe tdBaat)1Pet"ti
Bottowd> or <~ a~U strma w ~ ~Y meat. 41~ma cmdi~ ate tbst
if no .~jrnd ~ vr0ltid ba tine wdb ~ Segnity Tmir+m+pdautd theNeOo m
(b) Lanes troy drrjtab M nay albs cavcaaats or oStopppm; (a)1>aYS eli
aac at371952 xrrG a~aDaaSaioai Lorca ifsoates91aa3 ~-
t~-oeiP~? ror,at
p4. ~earu
sr
Mtruq
~'~ FaeM o0an Uoi
gK1751PG2417
ezpCacs argtaed it rnfot+eing this Secoaity taeotmtea4 iodadiag, but na ihaited to, re:nonable aturraeye'
~ p~Y hupcaimt and vdmgipn Inca, oad odor ICp hlctated far dto patpasa of ptntmYrog l.eada's
interest in Iha Pmperry and rigLn mdQ this SoatdRy lasarm~mt; pad (tQ adw weh taxtoa os Lrnder may
zeasotably require m aaaure dot fatder's bacrst io ttu Pioperq pad tights wader Wls 8txority fit.
and Boetower's oWiceYaa b pity the amw sesaued hY ehis sky f>utramear; shall wnttata maw
~~ naY xq~ ~ Ibrrowts ptq sash teLugrcmeatsaan pad expatss is we or tame of dto PoIIaa3ag
forms. b stthxted bq Leadoc (a) Ca10b; {~ anncy ta+der, (al tsadlkd ~'k 6otd~ rltcrlt, ttmture'a o:bor]o or
rasltia's ehedc. it<ovidcdaay each ehetlt ly dream ttptm >N ioodagiom lrhou ~~~ ~, a fedmal
a6`~Y, ~uatettleligr w eatiq, or td) Eleeanaic Fwtda 1yaa:fer. Ligon rr3~lateattstc by 9anawer, lids
Secur;tlr Im1<ammt cad ttbbgatioos stnared daabD' shall n~ ~ oSoclire as 3f ao atxelaaaoa had
ua~am. rtuwr+rer, uus dgar m anasaue saau nocappty m tea ta®e of soeetmadrm wader Sealoa 1&
20. tiak of Natet Case of leap 5araiw~l Notiaa or GWeraaca. 7be: tYott: era pedal II+matln dx
Nate (togethorwk4 this SocmiSy Ituattmeo~ can ba oold woe eormooe times Ntlhantprior aoYee b 9atrn+r~
A aria might rC6tdt is a e~ ut We efltity (larown as the'Zaea Sacvlccr") that troIleea Ptriadia Payaterta
dap raider We Nose aatd thlt Seeoafty Atshatnrnt and pafatput ~
Hader dte Note, this SetCprity laaramea4 and nppitrpbk Law. Theme afro ~ Et: ooa cr ~ a
the l.owt 5aviccr tauelsted m a ads of thts Nate. U r6eee b a tdtange o[ 16e i.paao 5erviort, HarmNrr ~ be
glvert waum ettiioe o[ 14a okooja whkh wW stele dte pone prod addictts of dra pew J-0aa Savieaq t<~
addQas >a wWdt paymona tdtoald be mado ttad pay odus iofotatatlaa ItESPA ~ Tn taa~cttpa wiW a
rmYce of traastet of a rf the Note is sold and rharealsar the Lptn is serviced by a LosA Berviotr exhQ
Wmn the puttitaser of der Noon, dsc atottgagts loop aervkting a>>r~sioaa b eotsoare sd11 stsaa6o wllh the
Lam Seeviai or bo ~vfared b a >' LWII Sezvrcar pad ree pot assataed by IbC Note pwChater
apices olhcnrisopsovided by dmNotapttrchmsr.
Ndther Bonowa trot Linder may one. ,jeia. or 6e joined to pay jodhdol atttioa diher ua
indivlduol gtigoat or the awaba ofa ~ Wm erica ¢Oal the other ~
Insuaaitent or chat allege dal the dhtr patty has bleached pwnY's acgtma ptasetmtt m Ihif
this 5txuiegr IA:u~y aot$ aucb 8omawa or Lmdor Iw t+oo7tatLc~ ~ ~ ~' weod by tnmsmio[o[
~ witb ~ regahoatatts of 5eraerm 1~ of sack alleged hro~ and a a~adai the otba pta>y L~eeam a
rweaaabta period edter We pritolt ~ tweh aatiCO b atkc emaoe~lEve aelioa. T<M>JYbbb Law pro~ida a time
period which amp eLpseyelao certaite aWm 4oa bo okra, Yet bone pezlod ~ be dts>vud b be nasoaeb)c
ferpmpooes of tbEs parageaph. Zbe aadco of exeletatiem and appoetaayq' oo anti givpe b 8aerowtrpaonmt
b $e;Cdan 22 pad WC m0ee t-f aoalerattott gib m g~~ Pal b BecYDO 18 ahal[ Ue 40emod !o
satisfy Yw ttoticc and apporttntity m take corracdve aaum pn>o6lons of this Smipa 2Q
21, ttar+tedoos SuLatmtxt Aa gsed fi Wlt Set:Yat 2L• (c~1 •~~ • ere Wasp
suhsmnces defined ss tmda err hataNoas sal+ataxw, popaltstq err waura ty Bevhaapleppl Law pad Yes:
folbwJag tubstattr%: gasoline, ioaomne, ether slammed-fe or tos4 pooolatan P loaiC pmdcidts pad
Ittrhietidet, vaiedia solvcata, maraials ~m4t5tg ttsbestoe err fmmotdcUydc, and radiogedve ~ (b)
'Fiovhamtneie>att~w" meatu fethtral laws and laws of teo jmirdidioa wheeo the Ptupctty is lotmtad lhatrCTme
b be~lWt, safety nr mtvironmeotoi protCCYap; (c) 'Eav'sortmmtai Ge®op" htehdes aeA' eesptnxe ~,
rcaoedlal action, or removal ttcdoa, as deflmd is Bavkoaanaol Lea, pad (d) as '~neiaenmeelat Coadidoa'
preens a eondiHan Wa can ~ epo0j6n0e b, err odtt7wiee: trlg8ae anP.trvIroaattotnl d4awp.
pee Y.aaaxa wn.c o...saouea +...., ~,...aasawo ae- r,
latlw~
t~~att{?ly{cHe) pim+todu ~Q FermaO~a tfot
B!t (75 I PG201$
Su n~ re~,ro
nor sIIow anyarm elpe a do, says
iasr, lW .Mch as Env1m,
i~doas Subslesea, aesrot a ea
s_ atudi sot apply w Wa m
o111lY aaioo b,~ any govecnmmq{ of
use. tiirposei, or tstleate or
tew, a or ia~t5~e i!~gp~w
~et~ duu A ~ of suy
Ce] ~h. due ~o um tresmx. ~
t~~m
a
taiwe o a~~y H u ~ 5 ~md~(p~caed~uoa c~atued~ ~htage, re4~u
i3nraNous Sa6neooe abich ffiVasrly offira d~ vploe of 16e ~ P• tl16 or
eaY $oeemplm(al oe sn aaptority, a ~Poty, if Sotrower learn. or i
Subrmaoe ~ a"Y Pn~ , that any tetosval o* oihet iemed
actloas~m aa~danx wuhF~v~romttt~+i ar8~ sboll P ~P~ ao~
i~ZaV~COV~lANlB, idafoRMtasd Corder f,Y7beapr~ and ogc as faDa
2Z Aotlltra6ap; Remedies. Ltd shod gist notke to Bott'awer tb Ntcelflatl
Banower'n brweb of say mesowe ar a fa Ibhl
aoarJrtapoo under 9ectjafs ]a ualarApp~p ~. Lmders1u11 a~otni
of, aauute r»fu: tbioges W the ddsely tb? t6e adhlo rsgaired to sun Ibs deibuR: {~ whee
mnae be oarrsdt and d} that lu0are to are the ddasit as fa
amu strorad by thN 6etnsily t#otaee{, fieedgtnra p j~~~ ~4 ~ ~ lob I
i.artder dtall Nrtlrr'ldfsrn Beerotrer of ehc rtgttt fo rd s1{er~ ~ t6e ry
m the taeselmnre erem~dfe. M.. ww.....td..~.... _ .._.__.
to
tgigl
bti aeL liim
of e
two
fs a
~,a
an
ead dte orrwts ~ Nuannn~a eod 4ecotaa~vot~ a A ~~ ' ~
ac~ma~er, Leader duD and
odes ~ ~,~c o`os~'
Ada nary cbarSe ata:orret a [ee
~~ ~t t~aa a~>he
24. Waivers.l3oaow~ to nie exfeet by ADplia~de law, sraivet and:e[asts tlW acme ~
fnbtirs ~~fo ~ ofe~~ ~ from ~ 1'~t of sop p~ oc
sueohouaL InYr aul spk, `sad
~t Fbried. eooarra's ama a ~oprovtded la Sopdoa is abaQ ermod m one hour
prim m doe t or6lddiag ate ahaiel's stle or otpa sale twrowma.w d~ Satalq laspoumear.
=6.1?4,rdtaae 1~aDq' hMrttaa~~ ~~r o[ ~rr~ aau[~ihpnb~aidr 5aewia iatpamalt k Imu m
costa to acquits tuk a da3 yee,~j'
37. Iaonrut Rate ~ Jadgateat: ~Ooowa ~ (ypa tbs cp~~61'~ ~
the iZotGa ~ ~' or En ao acdon or mortgego [onxlo,9~no aha11 ha die rasa paya6ie ~ time ro tiaw ands
sae M.~s+ae+ uvr, r,paaestriae7 Loatt rttpaps~a.r rxv p,
-aA(pA}ronet rat. taa,o tnYmu~~,r
(SCt~I ebronaaaa ~ra1
Bii i 751 PG2019
SY SIGNING BEGOW, HoROWer ttarepts ead OgtlQ to 0+0 IGrtli aad Wo0A8nLS is dils
Sau~Y Ia~leumeat and to my Rides or6vkd by 8oanwer wtd nxaded w4b it
Wllaesses;
n
(S~~
-Baav~c
--~ ,--.~_ (Seal)
-Banwy
(scan
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7
Caroi A Carling ~ -B~naanr
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Caren 9a3Y 1181
Caf ils~ate o~ aesideom
1, fm-tthety J xubeny . do ht~y ssfGfy that
thecot[CCttyldaesaaFthewith'aroamedieadvi9 itiD speea Street, Framin9ham~ tdA
oizo~
VViDtcss my flood this asst day of Petm:ary, aoos -
fcacehsW J Iiabeny AYcal0ibie pe
CQ14IIfdONWEALTH OF PffiViQSIfLVAlVII-, IN, 0 !~~ /}~~~ Cosstysa:
G4 this, the T1st day aF Febivary. 2002 . Ue[ste foe, the
utalet~gned offuer, P7 aPPm~ Timothy >+ t3Arling, Carol n Ggr3,ing
'NY ~~ m he the peaoap~ waors aaote(o) iyate aubaaibed m the whim, iastrotoea[ and
aclmowkd6ed thm 1t4slt4dteq exewled the Same far die petposp heteia tmataioed
IIV WtaVESS'YVfsSrttet7r. J ttelCallm tafay nova etai of~OIN sad. ,~ ~ -~
My ebttmttesiDD Fxplfes ~ r ~.
~_
1.~! ' r . yEi'~!' r
NOT SE4{, y f 1
Hatw~ zsu~.rara. ' ; .
~ooa •:~
ODC1724256 APPL RlOeaBSllea7 LOa1t Mrae085910a7 btY 7~: y//
6Afiui tonal "~uu'E--~`~/
Pao.s4wto ~Q~ [bnsSOii 11D1
,~ ~~ fy l}tii5 to he recorded
In Cumberland County FA
. ~-'-..'~-~ 3~-
Recorder of Deccis
Ie
'•
p~1751PG2a2!
SCHEDULE C
Legal Description
CommitmentNamber. SS89S
ALL that certain tract of lead situate in South Newton Township, Cumberland County, Pennsylvania:,
bounded and described in acwrdance with plan of Sl:bdivlsion for Donald R Reath, prepared by Wilbur
H. Clifton, Registered Surveyor, dated Aptil 07, 1979, a copy of which is recorded in the hereinafter
named Recorder's Olfice in Plan Book 35, Page 63, as follows:
$EGINNiNG at a point on the centerline of 33 feet wide L. Lt. ZI007, losown as Flrehonse Road at the
dividing line betwcea )<.ot Nos. 3 and 4;theace along the centerline of said 33-feet wide L.R. 2L007, known
as Fire6aase Road, the fallowing two (Z) conrses and distances: (1) $auth 2i degreev 03 u:iautes 34 seconds
West a distance of 55.24 feet to a point; and (2) Swath 24 degrees 34 nuiantes 58 seconds West a distance of
175.00 feet to a point et the dividing line between Lots Nas. 4 sad 5, thence along said dividing line
between I acs Nos. 4 and 5 North 70 degrees 73 minutes 35 seconds West a distance of 293AL feet to a point
sn line of Tract No. 1; thettce along the dividing line between 'lYsct Nat and Y,ot No. 4, North 22 degrees
09 minutes 35 seconds East a distance of 230A0 foe.# to a point at tb~ divldbng lice between said Late lYas. 3
and 4; thence along said dividing line between said Lots 1Vos. 3 and 4, South 70 degrees 20 minutes 45
seconds East a distance of 300.00 feet to a pohrt lA the ceaterlioe of said 33-feet wide L.R. 2L007, la~own ss
Firebouse Road, at the place oYBEdEVNING.
Farrel No. 41-11-03p4-OZ9
BEING THE SAME P'RF.&IISES WHIM Robert Wesley 14linney and Judith Ann Nlianey by deed dated
6/16/95 and recorded 6/21/95 in Cumberland County, iu heed Baok 123, page 1034, Granted and conveyed
unto 1Ymothy R. darling and Carol A. Getting, in fee.
~{ 1 ~5 ! ~620~~ STEWART TITi~E
GUARANTY CQAiPANY
NOTE
February 21, 2002 Bala Cynwy/i
IDarel I~rYI
322 Pire Houae Road, Shippenaburg, PA 17257
1
Perutaylvania
ISukl
IPropeay A4d~r1 I®„~~I•~~"~0
I. BORROWER'S PROMISE TO PAY
In return for a !Dart that 1 have raceivai, l promise to pay U.S. S 151, 000.00 (this amount is called "Principal'),
plus utterest, to dtc order of the !.ender. The l.atdt~r is GN Mortgage Corporation
1 will snake ell prymatts order Otis Nee in the form of cash, check or money order.
I tnldersurtd that dte Lender may trarufer this Nola. The !..ender or anyone who ekes this Notc by transfer and who is entitled
to raxive paylttaNS undo this Note is calla! the "Note Holdu."
2. INTQR6ST
Interest will be charged on unpaid prhtcipal omit the full arttoltat of Principal has been paid. l wit! pay interest m e yearly rate
of 6.625 rXr.
The intar:st rote retluired by this Section 2 is the rata 1 will pay both before and after any defauU describer! in Section 6(B) of
this Note.
3. PAYMENTS
(A) T'uae and Pbroe of Payments
1 wiB pay principd and interns! by making a payment.every month.
1 will make my maMhly peytttmt on the >`st day of eAClt march beginning on April 1, 2002 .1 will
nuke Utese paymaus avert' month until ~ have paid all of the principal and interest std arty other dutrges described below thu I
may own under this Mole. 5aelt manddy payment will he applied os o[ its schedlrled due date and wiB be applied to interest before
Principal. If, on March 1, 2032 , I still awe alrtotatla Hader this Nan, f will pay these amwrnta in full on
that dale. which i9 called the "Maturity Date.'
1 will molts mY monthly paymcutsat P.O. Bcx 245014, Milwaukee, 4iI 53224
or at a different place if roquired by the Note Holder.
(B) Amwat of Monthly Payments
My momhy payment will ba in Ule amount of US. S 965. e7
4. BORROWER'S R1CHT TO PREPAY
have the right to make payments of Principal rK aoy Time before they tun due. A paymatt of Principal only is known a! e
"Prcpaymaat." What 1 make a Prepayment. I will tell the Nate Holder is wriGag thu I am doing so.1 may rte destgnua a payment
as a Prepayment if 1 have tta made all the nutnUtly pttymenis dun ttttdar the Note.
t may maker a full Prepayment or panisl Prepaymetus widtottt payhtg a Prepayment charge. 'Rte Note Holder will use my
Prelmymcats to reduce the amount of Principal thu 1 owe tmda Ibis Notes However. the Nau Holder may apply my l'repaytnertt to
the accrtred and unpaid inltxeA an the Prt~aymatt atrtonal, before applying my Prepayrrurtt m reduce Use Principal amoum of the
Nan If 1 make a paniel Prgrayment. there will be no dtanges in d-e due data or In Wes amowtl of my monthly payment unkas the
Note Holder agroes in writing to those dungas.
DOC Y:]3ifl1 APPL /e000a5l10a3 ICAK /:OOOa5930l7 INI! !~ •
YULT197ATE FIXED RATE NpTE-Sin01o FamtyFannla YsNFraddl~ Mac UNIFORM INBTRUYENT
varo ooos.n
~•aN tooost.or Form !!001/01 ___.
VYP YOgTpAOE FOpMa • Ir00162i-17a1
Py~ : a i Witla: i• ~'
~~
~Bir •g.
5. LOAN CItARGES
If a law, which applies a this kuat and which acts ma:imam loan dfarges. is tautly inwprctod so Uut the inlaest pr olha
loan charges colktxed a a be cdlecled is oortttrxsioo wilt this ktaa etu7sed the permitted limits, then: (tt) any such ktan tiwge
shall 6e reduced by the amoum accessory a reduce Uw ehvge a the ptxtnpled limit; and (b) any sums alrady mtkcted trap me
which excaodcd pamitakd limits will be refunded m ttf0. Tite Note Holder may choose a make this refund by redrrang the
Principal 1 owe under this Note or by making a direct payment a tne. if a refund roduoa Principal, Uu reductiaf will be treated as
a partial tsreQayrtrent.
6. BORROWER'S FAILURE TO PAY AS REQUIRED
(A) Late Charge for Overdue Paymeals
if the Note Holder has not received the fuq amount of any mafdtly payment by the ettd of 15 rskndar days
after the date it is due, l will pay a late charge to the Note Hokkr. The omoimt of the charge will be s .000 96 of
my overdue payment of principal and interest. l wql pay this late charge peomptly but only ones oo each late payment.
(B) Default
if 1 do trot pay the full amount o[ each monthly payment on the dau it is due, l will be in default.
(C) Notice of Default
If 1 am in tkfauk, tbo Noe Holder may send me a wrklen notice telling ate [tut if I do not pay the overdue amount by a
ouuia date, the Note Holder may require rue a pay immediately the fuq amount of Principal which has trot ban paid and all the
interest dot I owe on that amotmt. That date must 6e at lean 30 days alto the dau on which the police is mailed a me or delivered
by other mans.
(D) No Walver Ity Note bolder
Even if, at a time when 1 am in defauk,l6e Note Holder dew rtes require me a pay imttudiatcly in fuq es descn'bed above,
the Note Hoktcr will will have We right~a do so if 1 ores is defauk at a Inver time.
(E) Payment of Note Holder's Coats and Farpertsrs
If Ufa Notc Hotdtx has requiral me a pny immediately is fuq m dtxcribcd above, the Nate Holder will rove the right a be
paid 6adc by me [a all of its costs and expenses in enforcing this Note a the extcttt not prohibited by Ntpgcabk law. Those
expenses include, for example. rraaafablq attorrfeys' fees.
7. GIVING OR NOTICES
Uakss applicable law requires a different mahod, auy nods dot must be given a me undo Ibis Nou will be given by
delivering it or by mailing it by foot c4ss mail a ale at the Prgterty Address above or at a diRdtart address if t give IItC Nate
Hokkr a notice of my different address.
Any notices dot must be given a the Note Holder under this Note will be given by deliverbgf IL O< by nailing h by first class
mail a the Nnu Holder at the address stated in Section 3(A) above ar al a diftixent address if I am given a notice of that different
address.
tR OBLICATiONS OF PERSONS UNDER THIS NOTB
If mac than anc person signs this Note, eaelt persott is fogy and persaully obligated a keep ail of the promises made in this
Nate, includitg the promise a pay dfc fuq amount owed. Any pcrsoa who u a gueraatrr, surety or endorser of this Nau is also
obligated ro do these diufgs. Any person who takes over These obligations, including tha obligadons of a 4uarantor. array or
endorser of tlfis Nou, is also obligated a leap all of rho promises made in this Noe. Tha Nate Holder may enforce its rights under
this Note against each perstro individually or against alt of ua IogdMY. This meets dot any one of us may 6c requtral a pay all of
the amounts owal uftder this Nau.
9. WAIVERS
1 and any odtcr ptxson who has obligations ttndrr,dtis Note waive the rights of Ptescabaerft sad Naice of Dishorfar.
"1'resauntafP mans the right a require rho Noa Hokkr a dcrnaad payment of amounts due. 'Notice of Dishonor" means the
right ro require tRe Notc Hoklcr to give notirx a other pfxsons dot amtwftts due have not ban poid.
DOC a:716692 APPL Ys000a5910q LOt1N M:OODaa910a7 TfN a:
-SN teoost.of
ands
t=erm a~oo trot
fnuaN: ' ~. fr',~~.r
CCe~CJ
10. UNIfrORM SECURED NOTE
This Notes a uniform iastrorneat with limited variations in sane jurisdigians. In add'piiou to the prolonion: given to the
I Noe Holder under dtis Note, a Mortgage, Dad of Tns1, a 5euaity Deed (the 'Security irtatntrrtent'), dated the same date es tbis
Note, protects the Note Holder from possible losses which might resat If I do aol luep Ito promises which !make in this Nate.
Tbat Security Inswmem describes how and under whit Lroadilions I may 6e required to make immediate payment in full of aU ~ .
arnounb 1 owe under this Nate. Sane of dWae condGiors are described as [olbws:
if alt a any prat of the Property or arty latpest is the Property is sold a trmtsfecred (or if Bortower is oot a i
natural poser and a beneficial iruereat in Ilormwa is soW a tars[emed) without Leoda's prior written waseat, I
Lender may require immaliatc payment in full of all sums seated by thts Seauity Inswmtsu. However, this ~
option shall not be cserratod by Lardtx if such esenise is proldbiud by Applicabic Law.
If I.arrder esaaisa this option, L,ender shag gtve Borrower notice of aweieratiaL Tire notice shall provide
a period of not less than 30 days from the date the notttx is given in aewrdetra wish Seuiorr IS within which
llarower must pay all wms socured by This Security Irrstrtturent. tf Borrower fails w pay dtese sums prior to the
arpirarion of Otis period. I.utder may invoke any remedies pemritlcd by this Sattrity lnswment without further
ratite a dcrtwnd on Borrower.
WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNEI7r p JS "`~
~/
(s~al>
Timothy 8 Getting • ~ •Burnnrer Cerol A Getting .g~•~r
_~.
i
i
(Seal) (~
•Rarrorrar .Borrower
(S~) (Seal)
-It•rrownr
• .Borrower
I
I
(sue (gyp
•tiorro•rcr •Rwrowcr I
JSign Orfginoi Only!
DOC a:rifi9l MPL a:00085910/3 rerw x:000/5930/3 /uv ae
6N teo/q.or p•i•aaeo Ferry 72001!01
' Wells Fargo Home Mortgage
P.O. Box 1225
Charlotte, NC 28201-1225
February 12, 2007
TIMOTHY E DARLING
322 FIRE HOUSE ROAD
SHIPPENSBURG PA 17257
000215/936Act91
iisiiiii~iiiriiA~iiiiiiii
,.ao ~o~~ ,.aa 3,., ,,.,
RE: Wells Fargo Home Mortgage Loan Number 0069225597
Mortgagor(s): Timothy E. Darling
Carol A. Darling
Mortgaged Premises: 322 Fire House Road
Shippensburg, PA 17257
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
This is an official notice that the mort~a~e on your home is in default, and the lender intends to
foreclose. SpeciFic information about the nature of the default is provided in the attached pages.
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to
save vour home. This Notice exylains how the program works.
To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT
The name, address and phone number of Consumer Credit
:ounty are listed at the end of this Notice. If you have anv
7171 780-18691.
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 CONTINUAR 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 PARR UN PRESTAMO POR EL PROGRAMA
LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CURL
PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HII'OTECA.
QIt~IBIT C'
HOMEOWNER'S NAME(S): Timothy E. Garling Carol A. Garling
PROPERTY ADDRESS:
322 Fire House Road
Shippensburg, PA 17257
LOAN ACCT. NO.:
ORIGINAL LENDER:
CURRENT LENDER/SERVICER:
0069225597
WELLS FARGO BANK, N.A.
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE
HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT" ), 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.
TEMP RARY STAY OFF RECLOSURE -- Under the Act, you are entitled to a temporary stay
0 orec osure on your mortgage or t irty (30) days from the date 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 end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT
CONSUMER CREDIT COUNSELIN A ENCIE If you meet with one of the consumer credit
counse in aggencies iste at t e en o t is notice, t e lender may NOT take action a ainst you
for thirty (30) days after the date of this meeting. The names addresses and tele ho g numbers
of desi nated consumer credit counselin a encies or t e coun in w is t e ro er is
Cate are set or at t e en o t is otice. It is on y necessary to sc e u e one ace-to-face
meeting. Advise your lender imme iately o your intentions.
APPLI ATIO F R MORT A E A I T E -- Your mortgage is in default for the reasons
set ort ater in t is Notice (see o owing pages or specific information about the nature of your
default.) If yyou have tried and are unable to resolve this problem with the lender, you have the
right to apppl~y 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 submittin a complete application to the Pennsylvania
Housing Finance Agency. Your application MU~ 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.
0002,15/935
A~EI~ Y A~TI~N -- Available funds for emergency mortgage assistance are very limited. They will
oe aisnursea oy 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 OI~TLY 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.)
HOW TO CURE YOUR MORTGAGE DEFAULT (Brim it up to date).
A RE F THE DEFAULT - -The MORTGAGE debt held by the above lender on your property
OCate at: 37.2 Fire Hnuce Road
A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and
the following amounts are now past due:
November 2006 -February 2007 $5073.68
2E THF. I~RFAiJi.T - -You may cure the default within THIRTY (30) DAYS of the
ate o t is notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LEI~TDER WHICH
IS $ 5,21s.7o~ 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 or er made payable an sent to:
WELLS FARGO HOME MORTGAGE
1 HOME CAMPUS
X2501-O1H
DES MOINES, IOWA 50328
You can cure any other default by taking the following action within THIRTY (30) DAYS of the date
of this letter:
IF YOU DO NOT CURE THE DEFAULT - - If you do, not cure the default within THIRTY (30) DAYS
o t e ate o t is once, a en er inten to exercise its rights to accelerate the mortgage debbt. This
means that the entire outstan ing a ance o t ii~Ts ~ ebt wi a consi ere ue imme late y an you may
lose the chance to pay the mortga a 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 foreclose upon vour mortsa~ed property.
IF THE MORTGAGE IS FORECLOSED UPON - -The mortgaged property will be sold by the Sheriff
to pay o t e mortgage a t. teen er re ers your case to its attorneys, but you cure the delinquency
before the lender begins legal proceedings againstyyou yyou will still be required to pay the reasonable
attorney's fees that were actually incurred, up to $50.0. However, if legal proceedings are started
against you, ou 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. If you cure the default within the THIltTY (30) DAB period, you
___.n __~ ~.. _....._._..a ~~ __-- _.~~--__-~.. ......
OTHER LENDER REMEDIES - -The lender may also sue you personally for the unpaid principal
a ance an a of er sums ue under the mortgage.
B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION
~ 000215/936
If you have not cured the default
ave beeun, you still have the right
Sheriff's Sale ass ecified in writin b the lender and b erformin an other re uirements under the
mortgage. urine your a au t in a manner set ort in t 's notice wi restore your mortgage tot e
same position as if you had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a
Sheriff's 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 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.
HOW TO CONTACT THE LENDER:
Name of Lender:
Address:
Phone Number:
Fax Number:
Contact Person:
Wells Fargo Home Mortgage
3476 Stateview Boulevard
Fort Mill, SC 29715
1-800-766-0987
803-396-6063
Clarice Townsend
'S SALE -You should realize that a Sheriff's Sale will end your ownership of
t e mortgage 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.
ASSUMPTION OF MORTGAGE -- You may or may not sell or transfer your home to
a uyer or trans eree w o wi 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.
YOU MAY ALSO HAVE THE RIGHT:
• TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT
OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF
THIS DEBT.
• 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 G~URE 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.
ti
PROGRAM
CUMBERLAND COUNTY
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 Commission 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
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
The Pennsylvania Housing Finance Agency can be reached TOLL FREE at 1 (800) 342-2397.
~ Wells Fargo Home Mortgage
P.O. Box 1225
Charlotte, NC 28201-1225
February 12, 2007
CAROL A GARLING
322 FIRE HOUSE ROAD
SHIPPENSBURG PA 17257
7100 4047 5100 3817 7874
000218/936Aet91
RE: Wells Fargo Home Mortgage Loan Number 0069225597
Mortgagor(s): Timothy E. Garling
Carol A. Garling
Mortgaged Premises: 322 Fire House Road
Shippensburg, PA 17257
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
The
are
780-1
that the
and uhone number of
1
Credit
to
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 CONTINUAR 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 PARR UN PRESTAMO POR EL PROGRAMA
LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CURL
PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA.
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to
save your home. This Notice exulains how the program works
HOMEOWNER'S NAME(S): Timothy E. Carling Carol A. Carling
PROPERTY ADDRESS: 322 Fire House Road
Shippensburg, PA 17257
LOAN ACCT. NO.: 0069225597
ORIGINAL LENDER:
CURRENT LENDER/SERVICER: WELLS FARGO BANK, N.A.
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE
FINANCIAL ASSIST.
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT" ), 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 F F RECLO RE -Under the Act, you are entitled to a temporary stay
0 orec osure on your mortgage or t irry 30) days from the date of this Notice. During that time
you must arrange and attend a "face-to-face" meetin~gg--with one of the consumer credit counselingg
aggencies listed at the end of this Notice. THIS MEETLNG MUST OCCUR WITHIN TH . NFXT
(30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU
~~W TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRIM YO R
MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit
counselin aggencies iste at t e en o t is notice, t e lender may NOT take action against you
for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers
meeting. Advise your
is only necessary to schedule one
your intentions.
APPLI ATI F R M RT A E A I T N E -Your mortgage is in default for the reasons
set ort ater in t is Notice see o owing pages or specific information about the nature of your
default.) If yyou have tried and are unable to resolve this problem with the lender, you have the
right to apppl~y for financial assistance from the Homeowner's Emergency Mort age Assistance
Program. To do so, you must fill out, sign and file a completed Homeowner's~mergency
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.
000}6/936
A E Y A TI -Available funds for emergency mortgage assistance are very limited. They will
e is arse y t e 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 bepursued 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 OI~TLY 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.)
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date).
NA RE F THE DEFA LT - -The MORTGAGE debt held by the above lender on your property
ovate at: 322 Fire House Road
use:
A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and
the following amounts are now past due:
_ _November 2006 -February 2007 $5,073.68
- -You may cure the default within THIRTY (30) DAYS of the
date o t is notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER WHICH
IS $ 5,218.70 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 or er made payable an sent to:
WELLS FARGO HOME MORTGAGE
1 HOME CAMPUS
X2501-O1H
DES MOINES, IOWA 50328
You can cure any other default by taking the following action within THIRTY (30) DAYS of the date
of this letter:
IF YOU DO NOT CURE THE DEFAULT - - If you do not cure the default within THIRTY (30) DAYS
o t e ate o t is once, a en er inten s to exercise its ri hts to accelerate the mortgage debt. This
means that the entire outstan ing a ance o t is e t wi a consi ere ue -mme late y an you ma
lose the chance to pay the mortga a in monthly installments. If full payment of the total amount pasty
due is not made within THIRTY ~30) DAYS, the lender also intends to instruct its attorneys to start
legal action to foreclose uuon vour mortgaged property.
IF THE MORTGAGE IS FORECLOSED UPON - -The mortgaged property will be sold by the Sheriff
to pay o t e mortgage a t. teen er re ers your case to its attorneys, but you cure the delinquency
before the lender begins legal proceedings against ou you will still be required to pay the reasonable
attorney's fees that were actually incurred, up to $ySO.by. 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. If you cure the default within the THIRTY (301 DAB' oerind. vnu
OTHER LENDER REMEDIES - -The lender may also sue you personally for the unpaid principal
a ance an a of er sums ue under the mortgage.
B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION
000216/936
SHERIFF'S SALE -- If you have not cured the default
osure nrocee inns ave begun, you still have the right
mortgage. C;urin~ your default m the manner set forth in this nonce will restore your mortgage to
same position as ~f you had never defaulted.
the
EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a
Sheriff's Sale of the mortggaged property could be held would be approximately six (6) 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.
HOW TO CONTACT THE LENDER:
Name of Lender:
Address:
Phone Number:
Fax Number
Contact Person:
Wells Fargo Home Mortgage
3476 Stateview Boulevard
Fort Mill, SC 29715
1-800-766-0987
803-396-6063
Clarice Townsend
EFFECT OF SHERIFF'S SALE -You should realize that a Sheriff's 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.
ASSUMPTION OF MORTGAGE -- You may or may not sell or transfer your home to
a uyer or trans eree w o wi 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.
YOU MAY ALSO HAVE THE RIGHT:
• TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT
OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF
THIS DEBT.
• 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 GtURE YOUR DEFAULT MORE TIdAN 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.
h-
r
PENNSYLVANIA HOUSING FCINANCE AGENCY
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
CONSUMER CREDIT COUNSELING AGENCIES
CUMBERLAND COUNTY
CCCS of Western Pennsylvania, Inc. Financial Counseling Services of Franklin
2000 Linglestown Road 31 West 3rd Street
Harrisburg, PA 17102 Waynesboro, PA 17268
(717) 541-1757 (717) 762-3285
FAX# (717) 541-4670
Urban League of Metropolitan Harrisburg
N. 6th Street
Harrisburg, PA 17101
(717) 234-5925
FAX# (717) 234-9459
Community Action Commission of the Capital Region
1514 Derry Street
Harrisburg, PA 17104
(717} 232-9757
FAX# (717} 234-2227
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
The Pennsylvania Housing Finance Agency can be reached TOLL FREE at 1 (800) 342-2397.
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Ilona zion, PJsgaire hereby states that she is .
action the Attorney for the Plaintiff ~ this
,that she is authorized to make this Verification as the
jurisdiction of the Court and plaintiff' Plaintiff is outside the
s verification could not be obtained within the time
necessary to file this pleading, and that the statements made '
Mortgage Foreclosure are true and correct to th m the foregoing Complaint in
e best of her knowl~ge, ~forrnat3on and belief.
The undersigned understands that this statement h '
erem is made subject to the penalties
of 18 Pa. C. S: Sec. 4904 relating to unsworn falsification
to authorities.
SHAPIRO & KREISMAN
-.
BYE
Doted: ~I ~ ~ 3~ p-7 tiff
liana Zion, • e
Attorney, fo p
C~ ~ n
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SHAPIRO & KREISMAN, LLC
BY: ILANA ZION, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 87137
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 07-29593
Wells Fargo Bank, N.A.
1 Home Campus Drive
Des Moines, IA 50328
PLAINTIFF
VS.
Timothy E. Garling
and
Carol A. Garling
DEFENDANT(S)
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
N0:07-4037 CIVIL TERM
PRAECIPE TO SUBSTITUTE VERIFICATION
TO THE PROTHONOTARY:
Kindly substitute the attached Verification to the Complaint in the above-captioned civil
action.
Respectfully Submitted,
SHAPIRO & KREISMAN
BY:
Ilana Zion, Esqui
Attorneys for Pla ff
~ ~
Wells Fargo Bank, N.A. v. Timothy E. Garling and Carol A. Garling
VERIFICATION
The undersigned is Supervises of Fidelity National Foreclosure Solutions,
as attorney in fact for Wells Fargo Bank, N.A. and as such is familiar with the records of said
corporation, and being authorized to make this verification on behalf of Plaintiff an officer of
the corporation and being authorized to make this verification on behalf of Plaintiff, hereby
verifies that the facts set forth in the foregoing Complaint. The undersigned who has personal
knowledge and access to the business records of the Mortgage held by Plaintiff in the ordinary
course of business and that those facts are true and correct to the best of the knowledge,
information and belief of the undersigned.
I UNDERSTAND THAT FAL5E STATEMENTS HEREIN ARE MADE SUBJECT TO
THE PENALTIES OF PA.C.S. SECTION 4904 RELATING TO UNSWORN
FALSIFICATION TO AUTHORITIES.
Fidelity National Foreclosure Solutions, as
attorney in fact for Wells Fargo Bank, N.A.
Date: '3 yc~~~
Title:
~ -----
Name: v fir, t,~' sin
Company:
Supervisor
Loan: 0069225597
07-29593
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SHERIFF'S RETURN - REGULAR
CASE NO: 2007-04037 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
WELLS FARGO BANK NA
VS
GARLING TIMOTHY E ET AL
MEGAN HARLOW Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE was served upon
!'_Z~T7T.TRT('! TTM(lTT-TV F the
DEFENDANT at 1837:00 HOURS, on the 9th day of July 2007
at 322 FIRE HOUSE ROAD
SHIPPENSBURG, PA 17257 by handing to
a true and attested copy of COMPLAINT - MORT FORE together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing 18.00
Service 14.40
Affidavit .00
Surcharge 10.00
.00
SJi31o1 ~ ,/ 42.40
Sworn and Subscibed to
before me this day
of ,
So Answers:
R. Thomas Kline
07/12/2007
SHAPIRO & KREISMAN
By:
~~ ~ ~ ~ ~_
eputy Sheriff
A.D.
SHERIFF'S RETURN - REGULAR
CASE N0: 2007-04037 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
WELLS FARGO BANK NA
VS
GARLING TIMOTHY E ET AL
TIMOTHY REITZ Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
GARLING CAROL A
was served upon
DEFENDANT
the
at 0810:00 HOURS, on the 12th day of July 2007
at CUMBERLAND CO SHERIFF'S OFFICE ONE COURTHOUSE SQUARE
CARLISLE, PA 17013
CAROL A GARLING
by handing to
a true and attested copy of COMPLAINT - MORT FORE
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing 6.00
Service .00
Affidavit .00
Surcharge 10.00
.00
~1,~~~ z ~. T. o 0
Sworn and Subscibed to
before me this day
of ,
So Answers:
. ~" -~
R. Thomas Kline
07/12/2007
SHAPIRO & KREISMAN
By: T ~ ~, ~°~
Dep~ity' Sheri
A.D.
SHERIFF'S RETURN - NOT FOUND
CASE NO: 2007-04037 P
COMMONTWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
WELLS FARGO BANK NA
VS
GARLING TIMOTHY E ET AL
R. Thomas Kline ,Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named DEFENDANT
OCCUPANT but was
unable to locate Him in his bailiwick. He therefore returns the
COMPLAINT - MORT FORE ,
the within named DEFENDANT OCCUPANT
322 FIRE HOUSE ROAD
NOT FOUND as to
SHIPPENSBURG, PA 17257
THERE WERE NO OTHER OCCUPANTS.
Sheriff's Costs:
Docketing
Service
Not Found
Surcharge
b),3~6'f ~^''
So answers • ,::..----~"' --~- --•~^°'"'_
,_ ~.a.
.00
5.00 R. omas Kline
10.00 Sheriff of Cumberland County
.00
21.00 SHAPIRO & KREISMAN
07/12/2007
Sworn and Subscribed to before
me this day of
A.D.
SHAPIRO & KREISMAN, LLC
BY: LAUREN R. TABAS, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 93337
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 07-29593
Wells Fargo Bank, N.A. ~ COURT OF COMMON PLEAS
PLAINTIFF CNIL DIVISION
vs. ~ CUMBERLAND COUNTY
Timothy E. Garling and Carol A. Garling
DEFENDANTS N0:07-4037 CNIL TERM
PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER
AND ASSESSMENT OF DAMAGES
Enter Judgment IN REM in the amount of $159,135.42 in favor of the Plaintiff and
against the defendants, jointly and severally, for failure to file an answer to Plaintiffs Complaint
in Mortgage Foreclosure within 20 days from service thereof and assess Plaintiffs damages as
follows and calculated as stated in the Complaint:
Principal of mortgage debt due and unpaid $142,273.70
Interest at 6.625% from October 1, 2006 to August
14, 2007 (318 days @ $25.82 per diem) $8,210.76
Late charges (for certain months prior
to default and every month after at a rate of
$48.34 per month) $435.06
Escrow Advance $2,965.90
Title Search Report Fees $250.00
Attorneys Fees ~ ~~ $5,000.00
TOTAL AMOUNT DUE , ' ~ , „ , ~'"~ll'(hCl $159,13 5.42
u ~"' Lauren R. Tabas, Esquire
Attorney for Plaintiff
AND NOW, judgment is entered in favor of the Plaintiff and against the Defendants and
damages are assessed as above in the sum of $159,135.42.
Pro. Prothy.
07-29593
SHAPIRO & KREISMAN, LLC
BY: DANIELLE BOYLE-EBERSOLE, ESQ.
LAUREN R. TABAS, ESQ.,
AND ILANA ZION, ESQ.
ATTORNEY I.D. NOS. 81747, 93337 & 87137
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE N0.07-29593
Wells Fargo Bank, N.A.
PLAINTIFF
VS.
Timothy E. Garling
and
Carol A. Garling
DEFENDANT(S)
STATE OF: (~
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO:
COUNTY OF:
AFFIDAVIT OFNON-MILITARY SERVICE
THE UNDERSIGNED being duly sworn, states that he/she is over the age of eighteen
years and competent to make this affidavit and the following averments are based upon
investigations made and records maintained either as Plaintiff or servicing agent of the Plaintiff
and that the above-captioned Defendants' last known address is as set forth in the caption and
they are not in the Military or Naval Service of the United States of America or its Allies as
defined in the Soldiers and Sailors Civil Relief Act of 1940, as amended.
Fidelity National Foreclosure Solutions, as attorney in fact for Wells Fargo Bank, N.A.
------
By:
NA r tG sfl~
TITLE: Supervisor
Sworn to and subscribed before me this 3 day of ~ , 2007.
,Notary Public
07-29593
•;:~:~;. Matthew Allan Banaszewski
NOTARY PUBLIC -MINNESOTA
'a MY COMMISSION
EXPIRES JAN. 31, 2011
SHAPIRO & KREISMAN, LLC
BY: ILANA ZION, ESQUIRE
ATTORNEY I. D . NO: PA Bar # 87137
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 07-29593
Wells Fargo Bank, N.A.
PLAINTIFF
COURT OF COMMON PLEA5
CUMBERLAND COUNTY
VS.
Timothy E. Garling
and
Carol A. Garling
DEFENDANTS
NO: 07-4037 CIVIL TERM
NOTICE OF INTENTION TO TAKE DEFAULT
UNDER Pa.R.C.P. 237.1
IMPORTANT NOTICE
TO: Carol A. Garling
DATE OF NOTICE: August 2, 2007
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 Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
717-249-3166
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED
THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO
COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE.
NOTIFICACION IMPORTANTE
Usted se encuentra en estado de rebeldia por no haber tornado la accion requirida de su parte
en este caso. Al no tomar la accion debida dentro de un termino de diez (10) dias de la fecha
de esta notificacion, el tribuna podra, sin necesidad de compararecer usted in Corte o escuchar
preuba alguna, dictar sentencia en su contra. Usted puede perder bienes y otros derechos
importantes. Debe llevar esta notificacion a un abogado immediatamente. Si usted no tiene
abogado o si no tiene dinero suficiente para tal servicio, vaya en persona o llame por telefono a
la oficina cuya direccion se encuentra escrita abajo para averiguar donde se puede conseguir
assitencia legal:
Cumberland County Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
717-249-3166
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE
ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR
ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE
USED FOR THAT PURPOSE.
PERSONS TO WHOM RULE 237.1 NOTICE SENT TO:
Timothy E. Garling
322 Fire House Road
Shippensburg, PA 17257
Carol A. Garling
259 W. Ridge Street
Carlisle, PA 17013
lA
Ilana Zion, Esquire
Shapiro & Kreism LC
Attorney for Plaintiff
SHAPIRO & KREISMAN, LLC
BY: ILANA ZION, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 87137
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 07-29593
Wells Fargo Bank, N.A.
PLAINTIFF
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
VS.
Timothy E. Garling
and
Carol A. Garling
DEFENDANTS
NO: 07-4037 CIVIL TERM
NOTICE OF INTENTION TO TAKE DEFAULT
UNDER Pa.R.C.P. 237.1
IMPORTANT NOTICE
TO: Timothy E. Garling
DATE OF NOTICE: August 2, 2007
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 Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
717-249-3166
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED
THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO
COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE.
NOTIFICACION IMPORTANTE
Usted se encuentra en estado de rebeldia por no haber tornado la accion requirida de su parte
en este caso. Al no tomar la accion debida dentro de un termino de diez (10) dias de la fecha
de esta notification, el tribuna podra, sin necesidad de compararecer usted in cone o escuchar
preuba alguna, dictar sentencia en su contra. Usted puede perder bienes y otros derechos
importantes. Debe llevar esta notification a un abogado immediatamente. Si usted no tiene
abogado o si no tiene dinero suficiente para tal servicio, vaya en persona o llame por telefono a
la oficina cuya direction se encuentra escrita abajo para averiguar donde se puede conseguir
assitencia legal:
Cumberland County Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
717-249-3166
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE
ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR
ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE
USED FOR THAT PURPOSE.
PERSONS TO WHOM RULE 237.1 NOTICE SENT TO:
Timothy E. Garling
322 Fire House Road
Shippensburg, PA 17257
Carol A. Garling
259 W. Ridge Street
Carlisle, PA 17013
Ilana Zion, Esquire
Shapiro & Kreisma LC
Attorney for Plaintiff
SHAPIRO & KREISMAN, LLC
BY: ILANA ZION, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 87137
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 07-29593
Wells Fargo Bank, N.A.
PLAINTIFF
VS.
Timothy E. Garling
and
Carol A. Garling
DEFENDANTS
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 07-4037 CIVIL TERM
CERTIFICATION OF MAILING NOTICE UNDER RULE 237.1
The undersigned hereby certifies that a Written Notice of Intention to File a Praecipe
for the Entry of Default Judgment was mailed to the defendant (s) and to his, her, their
attorney of record, if any, after the default occurred and at least (10) days prior to the date of
the filing of the Praecipe. Said Notice was sent on the date set forth in the copy of said Notice
attached hereto, August 2, 2007 to the following Defendants:
Timothy E. Garling
322 Fire House Road
Shippensburg, PA 17257
Carol A. Garling
259 W. Ridge Street
Carlisle, PA 17013
Angela D'Antomo, Legal Assistant
to Ilana Zion, Esquire for
Shapiro & Kreisman, LLC
SHAPIRO &KREISMAN, LLC
BY: LAUREN R. TABAS, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 93337
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 07-29593
Wells Fargo Bank, N.A.
PLAINTIFF
vs.
Timothy E. Garling and Carol A. Garling
DEFENDANTS
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
N0:07-4037 CNIL TERM
CERTIFICATE OF SERVICE
I, Lauren R. Tabas, Esquire, Attorney for the Plaintiff, hereby certify that I have served
by first class mail, postage prepaid, true and correct copies of the attached papers upon the
following persons or their attorney of record:
Timothy E. Garling
322 Fire House Road
Shippensburg, PA 17257
Carol A. Garling
259 W. Ridge Street
Carlisle, PA 17013
Date mailed:
KREISMAN,
BY
Lauren R. Tabas, Esquire
Attorney for Plaintiff
07-29593
SHAPIRO & KREISMAN, LLC
BY: LAUREN R. TABAS, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 93337
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 07-29593
Wells Fargo Bank, N.A.
PLAINTIFF
vs. ;
Timothy E. Garling and Carol A. Garling
DEFENDANTS
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
N0:07-4037 CIVIL TERM
CERTIFICATION OF ADDRESS
I hereby certify that the correct address of the judgment creditor (Plaintiff) is:
Wells Fargo Bank, N.A.
1 Home Campus Drive
Des Moines, IA 50328
and that the last known addresses of the judgment debtor (Defendants)) are:
Timothy E. Garling
322 Fire House Road
Shippensburg, PA 17257
Carol A. Garling
259 W. Ridge Street
Carlisle, PA 17013
BY:
07-29593
Lauren K. l abas, tsquire
Attorney for Plaintiff
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OFFICE OF THE PROTHONOTARY
COURT OF COMMON PLEAS
Cumberland County Clerk
Cumberland County Courthouse
1 Courthouse Square
Carlisle, PA 17013
Curtis R. Long
Prothonotary
TO: Timothy E. Garling
322 Fire House Road
Shippensburg, PA 17257
Wells Fargo Bank, N.A.
PLAINTIFF
vs.
Timothy E. Garling and Carol A. Garling
DEFENDANTS
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
N0:07-4037 CIVIL TERM
NOTICE
Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a
Judgment has been entered against you in the above proceeding as indicated below.
$'1~1'apo7
Curtis R. Long /s~ C IG • ~~8
Prothonotary
[XX] Judgment by Default
[ ]Judgment for Possession
[ ]Judgment on Award of Arbitration
] Judgment on Verdict
[ ]Judgment on Court Findings
IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL:
ATTORNEY LAUREN R. TABAS, ESQUIRE AT (610) 278-6800.
,-
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
PRAECIPE FOR WRIT OF EXECUTION
Caption:
Wells Fargo Bank, N.A.
PLAINTIFF
vs.
()Confessed Judgment
()Other
File No. 0'~- yo37 (: iyi I T,rr-t.
Amount Due $159,135.42
Interest August 15, 2007 to December 5,
2007 is $3,263.44
Atty's Comm
Costs
Timothy E. Garling and Carol A. Garling
DEFENDANTS
TO THE PROTHONOTARY OF THE SAID COURT:
The undersigned hereby certifies that the below does not arise out of a retail installment safe, contract, or
account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding filed
pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended.
Issue writ of execution in the above matter to the Sheriff of Cumberland County, for debt, interest and costs, upon
the following described property of the defendant(s)
See attached Legal Description
PRAECIPE FOR ATTACHEMENT EXECUTION
Issue writ of attachment to the Sheriff of Cumberland County, for debt, interest and costs, as above,
directing attachment against the above-named garnishee(s) for the following property (if real
estate, supply six copies of the description; supply four copies of lengthy personalty list)
and all other property of the defendant(s) in the possession, custody or control of the said garnishee(s).
(Indicate) Index this writ against the garnishee(s) as a lis
defendant(s) described in the attached exhibit.
Date: Signatu
Print N<
Address
Attorney for
ns against real es the
3600 Horizon Drive, Ste.150
King of Prussia, PA 19406
Plaintiff
Supreme Court ID # PA Bar # 93337
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SHAPIRO & KREISMAN, LLC
BY: LAUREN R. TABAS, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 93337
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 07-29593
Wells Fargo Bank, N.A. ~ COURT OF COMMON PLEAS
PLAINTIFF CUMBERLAND COUNTY
vs.
Timothy E. Garling and Carol A. Garling NO: 07-4037 CNIL TERM
DEFENDANTS
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: Timothy E. Garling
322 Fire House Road
Shippensburg, PA 17257
Your house (real estate) at:
322 Fire House Road, Shippensburg, PA 17257
41-11-0304-029
is scheduled to be sold at Sheriff s Sale on December 5, 2007 at:
Cumberland County Sheriff s Office
1 Courthouse Square
Carlisle, PA 17013
at 10:00am, to enforce the court judgment of $159,135.42 obtained by Wells Fargo Bank, N.A.
against you.
NOTICE OF OWNER'S RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriffs Sale you must take immediate action:
1. The sale will be cancelled if you pay back to Wells Fargo Bank, N.A. the amount of the
judgment plus costs or the back payments, late charges, costs, and reasonable attorneys
fees due. To find out how much you must pay, you may call: (610) 278-6800.
2. You maybe able to stop the sale by filing a petition asking the Court to strike or open the
judgment, if the judgment was improperly entered. You may also ask the Court to
postpone the sale for good cause.
3. You maybe 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 on page two of 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 TAKE PLACE.
.,
4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You
may find out the price bid by calling (610) 278-6800.
5. You maybe able to petition the Court to set aside the sale if the bid price was grossly
inadequate compared to the value of your property.
6. 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 717-240-6390.
7. 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.
8. 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.
9. You maybe 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 no later than
thirty (30) days from the date of the sale. This schedule will state who will be receiving
the 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 date of filing of said schedule.
10. 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 Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
717-249-3166
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE
ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR
ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE
USED FOR THAT PURPOSE.
07-29593
.~
.,.
~,.
ALL that certain tract of land situate in South Newton Township, Cumberland County,
Pennsylvania, bounded and described in accordance with Plan of Subdivision for Donald R.
Reath, prepared by Wilbur H. Clifton, Registered Surveyer, dated Apri107, 1979, a copy of
which is recorded in the hereinafter named Recorder's Office in Plan Book 35, Page 63, as
follows:
BEGINNING at a point on the centerline of 33 feet wide L. R. 21007, known as Firehouse Road
at the dividing line between Lot Nos. 3 and 4; thence along the centerline of said 33-feet wide
L.R.21007, known as Firehouse Road, the following two (2) courses and distances (1) South 21
degrees 03 minutes 34 seconds West a distance of 55.24 feet to a point; and (2) South 24 degrees
39 minutes 58 seconds West a distance of 175.00 feet to a point at the dividing line between Lots
No. 4 and 5; thence along said dividing line between Lots Nos. 4 and 5 North 70 degrees 23
minutes 35 seconds West a distance of 293.41 feet to a point in line of Tract No. l; thence along
the dividing line between Tract No. 1 and Lot No. 4, North 22 degrees 09 minutes 35 seconds
East a distance of 230.00 feet to a point at the dividing line between said Lots Nos. 3 and 4;
thence along said dividing line between said Lots Nos. 3 and 4, South 70 degrees 20 minutes 45
seconds East a distance of 300.00 feet to a point in the centerline of said 33-feet wide L.R.
21007, known as Firehouse Road, at the place of BEGINNING.
Parcel No. 41-11-0304-029
BEING the same premises which Robert Wesley Minney and Judith Ann Minney by Deed dated
June 16, 1995 and recorded in the Cumberland County Recorder of Deeds Office on June 21,
1995 in Deed Book 123, Page 1034, granted and conveyed unto Timothy E. Garling and Carol
A. Garling, husband and wife.
r ~
SHAPIRO & KREISMAN, LLC
BY: LAUREN R. TABAS, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 93337
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 07-29593
Wells Fargo Bank, N.A. ~ COURT OF COMMON PLEAS
PLAINTIFF CUMBERLAND COUNTY
vs. ;
Timothy E. Garling and Carol A. Garling NO: 07-4037 CIVIL TERM
DEFENDANTS
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: Carol A. Garling
259 W. Ridge Street
Carlisle, PA 17013
Your house (real estate) at:
322 Fire House Road, Shippensburg, PA 17257
41-11-0304-029
is scheduled to be sold at Sheriffs Sale on December 5, 2007 at:
Cumberland County Sheriffs Office
1 Courthouse Square
Carlisle, PA 17013
at 10:00am, to enforce the court judgment of $159,135.42 obtained by Wells Fargo Bank, N.A.
against you.
NOTICE OF OWNER'S RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriffs Sale you must take immediate action:
1. The sale will be cancelled if you pay back to Wells Fargo Bank, N.A. the amount of the
judgment plus costs or the back payments, late charges, costs, and reasonable attorneys
fees due. To find out how much you must pay, you may call: (610) 278-6800.
2. You maybe able to stop the sale by filing a petition asking the Court to strike or open the
judgment, if the judgment was improperly entered. You may also ask the Court to
postpone the sale for good cause.
You maybe 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 on page two of 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 TAKE PLACE.
.~
4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You
may find out the price bid by calling (610) 278-6800.
You maybe able to petition the Caurt to set aside the sale if the bid price was grossly
inadequate compared to the value of your property.
6. 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 717-240-6390 .
7. 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.
8. 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.
9. You maybe 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 no later than
thirty (30) days from the date of the sale. This schedule will state who will be receiving
the 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 date of filing of said schedule.
10. 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 Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
717-249-3166
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE
ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR
ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE
USED FOR THAT PURPOSE.
07-29593
~ '
ALL that certain tract of land situate in South Newton Township, Cumberland County,
Pennsylvania, bounded and described in accordance with Plan of Subdivision for Donald R.
Reath, prepared by Wilbur H. Clifton, Registered Surveyer, dated Apri107, 1979, a copy of
which is recorded in the hereinafter named Recorder's Office in Plan Book 35, Page 63, as
follows:
BEGINNING at a point on the centerline of 33 feet wide L. R. 21007, known as Firehouse Road
at the dividing line between Lot Nos: 3 and 4; thence along the centerline of said 33-feet wide
L.R.21007, known as Firehouse Road, the following two (2) courses and distances (1) South 21
degrees 03 minutes 34 seconds West a distance of 55.24 feet to a point; and (2) South 24 degrees
39 minutes 58 seconds West a distance of 175.00 feet to a point at the dividing line between Lots
No. 4 and 5; thence along said dividing line between Lots Nos. 4 and 5 North 70 degrees 23
minutes 35 seconds West a distance of 293.41 feet to a point in line of Tract No. 1; thence along
the dividing line between Tract No. 1 and Lot No. 4, North 22 degrees 09 minutes 35 seconds
East a distance of 230.00 feet to a point at the dividing line between said Lots Nos. 3 and 4;
thence along said dividing line between said Lots Nos. 3 and 4, South 70 degrees 20 minutes 45
seconds East a distance of 300.00 feet to a point in the centerline of said 33-feet wide L.R.
21007, known as Firehouse Road, at the place of BEGINNING.
Parcel No. 41-11-0304-029
BEING the same premises which Robert Wesley Minney and Judith Ann Minney by Deed dated
June 16, 1995 and recorded in the Cumberland County Recorder of Deeds Office on June 21,
1995 in Deed Book 123, Page 1034, granted and conveyed unto Timothy E. Garling and Carol
A. Garling, husband and wife.
e .~
w
SHAPIRO & KREISMAN, LLC
BY: LAUREN R. TABAS, ESQUIltE
ATTORNEY I.D. NO: PA Bar # 93337
3600 HORIZON DRNE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 07-29593
Wells Fargo Bank, N.A.
PLAINTIFF
vs.
Timothy E. Garling and Carol A. Garling
DEFENDANTS
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 07-4037 CIVIL TERM
AFFIDAVIT PURSUANT TO RULE 3129.1
Wells Fargo Bank, N.A., Plaintiff in the above action, sets forth, as of the date the
praecipe for the writ of execution was filed, the following information concerning the real
property located at 322 Fire House Road, Shippensburg, PA 17257.
1. Name and address of Owners or Reputed Owners
Timothy E. Garling
322 Fire House Road
Shippensburg, PA 17257
Carol A. Garling
259 W. Ridge Street
Carlisle, PA 17013
2. Name and address of Defendants in the judgment:
Timothy E. Garling
322 Fire House Road
Shippensburg, PA 17257
Carol A. Garling
259 W. Ridge Street
Carlisle, PA 17013
3. Name and last known address of every judgment creditor whose judgment is a record lien
on the real property to be sold:
Wells Fargo Bank, N.A.
1 Home Campus Drive
Des Moines, IA 50328
Harvest Credit Management VII, LLC
600 17th St.
Denver, CO 80802
4. Name and address of the last recorded holder of every mortgage of record:
Wells Fargo Bank, N.A., Plaintiff
1 Home Campus Drive
Des Moines, IA 50328
Financial Trust Company
130 Court St.
Williamsport, PA 17701
Manufacturer's & Trading Trust Co.
One M&T Plaza
Buffalo, NY 14240
5. Name and address of every other person who has any record lien on the property:
NONE
6. Name and address of every other person who has any record interest in the property and
whose interest maybe affected by the sale:
Cumberland County Domestic Relations
13 North Hanover Street
Carlisle, PA 17013
7. Name and address of every other person of whom the plaintiff has knowledge who has
any interest in the property which maybe affected by the sale:
TENANT OR OCCUPANT
322 Fire House Road
Shippensburg, PA 17257
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.
& KREISMAN, LLB - ~-----
BY:
07-29593
Tabas, Esquire
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WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 07-4037 Civil
CIVIL ACTION -LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due WELLS FARGO BANK, N.A. Plaintiff (s)
From TIMOTHY E. GARLING & CAROL A. GARLING
(1) 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 notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof;
(3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a
garnishee and is enjoined as above stated.
Amount Due $159,135.42
Interest 8/15/07 to 12/05/07 is $3,263.44
Atty's Comm
Atty Paid $198.40
Plaintiff Paid
Date: 8/14/07
(Seal)
L.L. $.50
Due Prothy $2.00
Other Costs
J C •e.
C is R. Long, Prothonota
By: ~°
De u 0
P tY
REQUESTING PARTY:
Name LAUREN R TABAS, ESQUIRE
Address: SHAPIRO & KREISMAN, LLC
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
Attorney for: PLAINTIFF
Telephone: 610-278-6800
Supreme Court ID No. 93337
7
SHAPIRO & KREISMAN, LLC
BY: LAUREN R. TABAS, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 93337
3600 HORIZON DRNE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610} 278-6800
S & K FILE NO. 07-29593
Wells Fargo Bank, N.A.
PLAINTIFF
VS.
Timothy E. Garling and Carol A. Garling
DEFENDANTS}
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 07-4037 CIVIL TERM
CERTIFICATION OF NOTICE TO LIENHOLDERS
PURSUANT TO PA RC.P 3129.2 (C) (2)
I, Heather Whitman, Legal Assistant for Shapiro & Kreisman, LLC, attorneys for the
Plaintiff, Wells Fargo Bank, N.A., hereby certify that Notice of Sale was served on all persons
appearing on Exhibit "A" attached hereto, by United States mail, first class, postage prepaid,
with Certificates of Mailing on August 29, 2007, the originals of which are attached and that
each of said persons appears on Plaintiffs Affidavit pursuant to Pa. R.C.P. 3129.1.
The undersigned understands that the statements herein are subject to the penalties
provided by 18 P.S. Section 4904.
Respectfully submitted,
SHAPIRO & KREISMAN, LLC
BY: ~~~~,
Heather Whitman
Legal Assistant
07-29593
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COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
} SS:
I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify that
the Sheriff s Deed in which Federal Natl Mtg Assoc is the grantee the same having been sold to said
grantee on the 5th day of Dec A.D., 2007, under and by virtue of a writ Execution issued on the 14th day
of Aut;, A.D., 2007, out of the Court of Common Pleas of said County as of Civil Term, 2007 Number
4037, at the suit of WElls Fargo Bank N A against Timothy E Garling & Carol A is duly recorded as
Instrument Number 200801485.
IN TESTIMONY WHEREOF, I have he~unto set my hand
an seal of said office this /cy Cdr- day of
A.D.
~ _ ~
~ corder of Deeds
Records Deoda, Cwnberlend County. CarOsla, PA
My CornrrNa~ion F.xpirea the First Monday of Jen. 2010
~'
Wells Fargo Bank, NA
VS
Timothy E. Carling and Carol
A. Carling
In the Court of Common Pleas of
Cumberland County, Pennsylvania
Writ No. 2007-4037 Civil Term
Ron Hoover, Deputy Sheriff, who being duly sworn according to law, states that on
September 21, 2007 at 1940 hours, he served a true copy of the within Real Estate Writ, Notice and
Description, in the above entitled action, upon the within named defendant, to wit: Timothy
Carling, by making known unto Timothy Carling personally at 322 Fire House Road,
Shippensburg, Cumberland .County, Pennsylvania its contents and at the same time handing to him
personally the said true and correct copy of the same.
Ron Hoover, Deputy Sheriff, who being duly sworn according to law, states that on
September 19, 2007 at 2052 hours, he served a true copy of the within Real Estate Writ, Notice and
Description, in the above entitled action, upon the within named defendant, to wit: Carol A.
Gaxling, by making known unto Carol Carling personally at 2S9 W. Ridge Street, Carlisle,
Cumberland County, Pennsylvania its contents and at the same time handing to her personally the
said true and correct copy of the same.
William Cline, Deputy Sheriff, who being duly sworn according to law, states that on
October 08, 2007 at 1235 hours, he posted a true copy of the within Real Estate Writ, Notice, Poster
and Description, in the above entitled action, upon the property of Timothy E. Carling and Carol A.
Gariing located at 322 Fire House Road, Shippensburg, Cumberland County, Pennsylvania
according to law.
R. Thomas Kline, Sheriff, who being duly sworn according to law, states he served the
above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff
mailed a notice of the pendency of the action to the within named defendant, to wit: Timothy E.
Carling by regular mail to his last known address of 322 Fire House Road, Shippensburg, PA
17257. This letter was mailed under the date of October 12, 2007 and never returned to the Sheriffs
Office.
R. Thomas Kline, Sheriff, who being duly sworn according to law, states he served the
above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff
mailed a notice of the pendency of the action to the within named defendant, to wit: Carol A.
Carling by regular mail to her last known address of 2S9 West Ridge Street, Carlisle, PA 17013.
This letter was mailed under the date of October 12, 2007 and never returned to the Sheriffs Office.
R. Thomas Kline, Sheriff, who being duly sworn according to law, states that after due and
Iega1 notice had been given according to law, he exposed the within described premises at public
venue or outcry at the Courthouse, Carlisle, Cumberland County, Pennsylvania on December S,
2007 at 10:00 o'clock A.M. He sold the same for the sum of $1.00 to Attorney Lauren R. Tabas, on
behalf of Federal National Mortgage Association. It being the highest bid and best price received
for the same, Federal National Mortgage Association of 1900 Market Street, Suite A, Philadelphia,
PA 19103 being the buyer in this execution, paid to Sheriff R. Thomas Kline the sum of $1,004.21.
Sheriff s Costs:
Docketing $30.00
Poundage 19.69
Posting Bills 15.00
Advertising 15.00
Acknowledging Deed 48.00
Auctioneer 10.00
Law Library .SO
Prothonotary 2.00
Mileage 26.88
Levy 15.00
Surcharge 30.00
Law Journal 377.00
Patriot News 335.72
Share of Bills 14.92
Distribution of Proceeds 25.00
Sheriffs Deed 39.50
$ 1,004.21
So Answers:
~~~-~
R. Thomas Kline, Sheriff
BY J~~ ~~-
Real Estate rgeant
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SHAPIRO & KREISMAN, LLC
BY: LAUREN R. TABAS, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 93337
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 07-29593
Wells Fargo Bank, N.A.
PLAINTIFF
vs.
Timothy E. Garling and Carol A. Garling
DEFENDANTS
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO: 07-4037 CIVIL TERM
AFFIDAVIT PURSUANT TO RULE 3129.1
Wells Fargo Bank, N.A., Plaintiff in the above action, sets forth, as of the date the
praecipe for the writ of execution was filed, the following information concerning the real
property located at 322 Fire House Road, Shippensburg, PA 17257.
1. Name and address of Owners or Reputed Owners
Timothy E. Garling
322 Fire House Road
Shippensburg, PA 17257
Carol A. Garling
259 W. Ridge Street
Carlisle, PA 17013
2. Name and address of Defendants in the judgment:
Timothy E. Garling
322 Fire House Road
Shippensburg, PA 17257
Carol A. Garling
259 W. Ridge Street
Carlisle, PA 17013
3. Name and last known address of every judgment creditor whose judgment is a record lien
on the real property to be sold:
Wells Fargo Bank, N.A.
1 Home Campus Drive
Des Moines, IA 50328
Harvest Credit Management VII, LLC
600 17th St.
Denver, CO 80$02
4. Name and address of the last recorded holder of every mortgage of record:
Wells Fargo Bank, N.A., Plaintiff
1 Home Campus Drive
Des Moines, IA 50328
Financial Trust Company
130 Court St.
Williamsport, PA 17701
Manufacturer's & Trading Trust Co.
One M&T Plaza
Buffalo, NY 14240
5. Name and address of every other person who has any record lien on the property:
NONE
6. Name and address of every other person who has any record interest in the property and
whose interest maybe affected by the sale:
Cumberland County Domestic Relations
13 North Hanover Street
Carlisle, PA 17013
7. Name and address of every other person of whom the plaintiff has knowledge who has
any interest in the property which maybe affected by the sale:
TENANT OR OCCUPANT
322 Fire House Road
Shippensburg, PA 17257
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.
BY:
& KREISMAN, LL.C---
Tabas, Esquire
07-29593
SHAPIRO & KREISMAN, LLC
BY: LAUREN R. TABA5, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 93337
3600 HORIZON DRIVE, SUITE 1 SO
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 07-29593
Wells Fargo Bank, N.A. ~ COURT OF COMMON PLEAS
PLAINTIFF CUMBERLAND COUNTY
vs.
Timothy E. Garling and Carol A. Garling ~ NO: 07-4037 CIVIL TERM
DEFENDANTS ;
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: Timothy E. Garling
322 Fire House Road
Shippensburg, PA 17257
Your house (real estate) at:
322 Fire House Road, Shippensburg, PA 17257
41-11-0304-029
is scheduled to be sold at Sheriffs Sale on December 5, 2007 at:
Cumberland County Sheriffs Office
1 Courthouse Square
Carlisle, PA 17013
at 10:00am, to enforce the court judgment of $159,135.42 obtained by Wells Fargo Bank, N.A.
against you.
NOTICE OF OWNER'S RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriffs Sale you must take immediate action:
1. The sale will be cancelled if you pay back to Wells Fargo Bank, N.A. the amount of the
judgment plus costs or the back payments, late charges, costs, and reasonable attorneys
fees due. To find out how much you must pay, you may call: (610) 278-6800.
2. You maybe able to stop the sale by filing a petition asking the Court to strike or open the
judgment, if the judgment was improperly entered. You may also ask the Court to
postpone the sale for good cause.
3. You maybe able to stop the sale through other legal proceedings.
You may need an attorney to assert your rights. The sooner you contact one, the moxe
chance you will have of stopping the sale. (See notice on page two of 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 TAKE PLACE.
4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You
may find out the price bid by calling (610) 278-6800.
5. You maybe able to petition the Court to set aside the sale if the bid price was grossly
inadequate compared to the value of your property.
6. 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 ca11717-240-6390.
7. 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.
8. 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.
9. You maybe 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 no later than
thirty (30) days from the date of the sale. This schedule will state who will be receiving
the 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 date of filing of said schedule.
10. 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 Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
717-249-3166
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE
ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR
ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE
USED FOR THAT PURPOSE.
07-29593
SHAPIRO & KREISMAN, LLC
BY: LAUREN R. TABAS, ESQUIRE
ATTORNEY I.D. NO: PA Bar # 93337
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
TELEPHONE: (610) 278-6800
S & K FILE NO. 07-29593
Wells Fargo Bank, N.A. ~ COURT OF COMMON PLEAS
PLAINTIFF CUMBERLAND COUNTY
vs.
Timothy E. Garling and Carol A. Garling ~ NO: 07-4037 CIVIL TERM
DEFENDANTS
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: Carol A. Garling
259 W. Ridge Street
Carlisle, PA 17013
Your house (real estate) at:
322 Fire House Road, Shippensburg, PA 17257
41-11-0304-029
is scheduled to be sold at Sheriffs Sale on December 5, 2007 at:
Cumberland County Sheriffs Office
1 Courthouse Square
Carlisle, PA 17013
at 10:00am, to enforce the court judgment of $159,135.42 obtained by Wells Fargo Bank, N.A.
against you.
NOTICE OF OWNER'S RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriffs Sale you must take immediate action:
1. The sale will be cancelled if you pay back to Wells Fargo Bank, N.A. the amount of the
judgment plus costs or the back payments, late charges, costs, and reasonable attorneys
fees due. To find out how much you must pay, you may call: (610) 278-6800.
2. You maybe able to stop the sale by filing a petition asking the Court to strike or open the
judgment, if the judgment was improperly entered. You may also ask the Court to
postpone the sale for good cause.
You maybe 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 on page two of 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 TAKE PLACE.
4. If the Sheriff s Sale is not stopped, your property will be sold to the highest bidder. You
may find out the price bid by calling (610) 278-6800.
You maybe able to petition the Court to set aside the sale if the bid price was grossly
inadequate compared to the value of your property.
6. 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 717-240-6390 .
7. 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.
8. 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.
9. 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 no later than
thirty (30) days from the date of the sale. This schedule will state who will be receiving
the 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 date of filing of said schedule.
10. 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 FIl~ID OUT WHERE YOU CAN GET LEGAL
HELP.
Cumberland County Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
717-249-3166
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE
ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR
ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE
USED FOR THAT PURPOSE.
07-29593
ALL that certain tract of land situate in South Newton Township, Cumberland County,
Pennsylvania, bounded and described in accordance with Plan of Subdivision for Donald R.
Reath, prepared by Wilbur H. Clifton, Registered Surveyer, dated Apri107, 1979, a copy of
which is recorded in the hereinafter named Recorder's Office in Plan Book 35, Page 63, as
follows:
BEGINNING at a point on the centerline of 33 feet wide L. R. 21007, known as Firehouse Road
at the dividing line between Lot Nos. 3 and 4; thence along the centerline of said 33-feet wide
L.R.21007, known as Firehouse Road, the following two (2} courses and distances (1) South 21
degrees 03 minutes 34 seconds West a distance of 55.24 feet to a point; and (2) South 24 degrees
39 minutes 58 seconds West a distance of 175.00 feet to a point at the dividing line between Lots
No. 4 and 5; thence along said dividing line between Lots Nos. 4 and 5 North 70 degrees 23
minutes 35 seconds West a distance of 293.41 feet to a point in line of Tract No. 1; thence along
the dividing line between Tract No. 1 and Lot No. 4, North 22 degrees 09 minutes 35 seconds
East a distance of 230.00 feet to a point at the dividing line between said Lots Nos. 3 and 4;
thence along said dividing line between said Lots Nos. 3 and 4, South 70 degrees 20 minutes 45
seconds East a distance of 300.00 feet to a point in the centerline of said 33-feet wide L.R.
21007, known as Firehouse Road, at the place of BEGINNING.
Parcel No. 41-11-0304-029
BEING the same premises which Robert Wesley Minney and Judith Ann Minney by Deed dated
June 16, 1995 and recorded in the Cumberland County Recorder of Deeds Office on June 21,
1995 in Deed Book 123, Page 1034, granted and conveyed unto Timothy E. Garling and Carol
A. Garling, husband and wife.
' WRIT OF EXECUTION and/or ATTACHMENT
. y
COMMONWEALTH OF PENNSYLVANIA) NO 07-4037 Civil
COUNTY OF CUMBERLAND) CIVIL ACTION -LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due WELLS FARGO BANK, N.A. Plaintiff (s)
From TIMOTHY E. GARLING & CAROL A. GARLING
(1) 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 notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof;
(3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a
garnishee and is enjoined as above stated.
Amount Due $159,135.42 L.L. $.50
Interest 8/15/07 to 12/05/07 is $3,263.44
Atty's Comm % Due Prothy $2.00
Atty Paid $198.40 Other Costs
Plaintiff Paid
Date: 8/14/07
(Seal)
REQUESTING PARTY:
Name LAUREN R. TABAS, ESQUIRE
Address: SHAPIRO & KREISMAN, LLC
3600 HORIZON DRIVE, SUITE 150
KING OF PRUSSIA, PA 19406
Attorney for: PLAINTIFF
Telephone: 610-278-6800
Supreme Court ID No. 93337
s C
C 's R. Long, Prothono
By:
Deputy
t .1 1
~,,,7
4~l
t~
Real Estate Sale # 43
On August 17, 2007 the Sheriff levied upon the
defendant's interest in the real property situated in
South Newton Township, Cumberland County, PA
Known and numbered as 322 Fire House Road,
Shippensburg, more fully described on Exhibit "A"
filed with this writ and by this reference
incorporated herein.
Date: August 17, 2007 By: ,
~~~~~..
Real Estate Sergeant
e ,;-_,_.
i_ C~ ~, ~ ~ ! L :,
The Patriot-News Co.
~ ~ ~. 812 Market St.
Harrisburg, PA 17101
Inquiries - 717-255-8292
CUMBERLAND COUNTY SHERIFFS OF
CUMBERLAND COUNTY COURT HOUSE
c~he~latriot-1Vews
NOw you know
CARLISLE PA 17013
THE PATRIOT NEWS
THE SUNDAY PATRIOT NEWS
Proof of Publication
Under Act No. 587, Approved May 16, 1929
Commonwealth of Pennsylvania, County of Dauphin} ss
Joseph A. Dennison, being duly sworn according to law, deposes and says:
That he is the Assistant Controller of The Patriot News Co., a corporation organized and existing under the laws of the
Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of
Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot-News and The Sunday Patriot-News
newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that
The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and
ail have been continuously published ever since;
That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular
daily and/or Sunday/ Metro editions which appeared on the date(s) indicated below. That neither he nor said Company is
interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time,
place and character of publication are true; and
That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on
behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the
stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds
in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317.
PUBLICATION COPY This ad ran on the date(s) shown below:
10/24/07
il1~ ~ ~1r IN0. A3
~~ 1ia ,~ ~~
10/31/07
w~ ~ ~ ~ 11 /07/07
iE
~Y• ........ ... .....
C Sworn to d scribed fore me this 30 day of November, 2007 A.D.
AII. tbu acct ~ lead m South ~
IVertou Toannhip, C~berhnd Cond3, ,
pq~syivmra, ba~dad and deaen'bed m
acead~ox ~+idt Plan of Subdivisco far Donald
~, /acne. ptepaied 6Y Yi~nr H. C~uu, .Notary Public
gcgislQed gytveya, dated' Apn'f 07, 1979. a
ooQg of arhich ~ reooided in`die`haeiA
na®edReeorda'sOlTiceinpl~nBoot35,Pace COMMONWEALTH QF PENNSYLVANIA
~ 63 as failows:
BE(3II ~ a 0° ~ oea0alioe ~ ~
>iaet wide L R 2161117; /mown as Faebousl;` Road Notarial Seal
James L Clark. Kota Publb
rY
the ~vidaes liiae betRem- Lot Naa. 3 and 4; ~Y ~ ~-~9. DaupFmr Cotxrty
~ ~ e ~,~ 33.E wide My Commission E~ires June 2, 2008
L$214(r/, known ~ e Rnad, ~ Member, Pennsylvania Association of Notaries
f tnro (2) comaes aed d (1)
Soaih 21 dyraet 60 rairrla 34 secaeds ~ a
dirllw~ ~.l~llut h!~>-1~~{~l sue..
PROOF OF PUBLICATION OF NOTICE
IN CUMBERLAND LAW JOURNAL
(Under Act No. 587, approved May 16, 1929), P. L.1784
STATE OF PENNSYLVANIA
COUNTY OF CUMBERLAND
ss.
Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and
State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law
Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid,
was established January 2, 1952, and designated by the local courts as the official legal
periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly
issued weekly in the said County, and that the printed notice or publication attached hereto is
exactly the same as was printed in the regular editions and issues of the said Cumberland Law
Journal on the following dates,
viz:
October 26, November 2 and November 9, 2007
Affiant further deposes that he is authorized to verify this statement by the Cumberland
Law Journal, a legal periodical of general circulation, and that he is not interested in the subject
matter of the aforesaid notice or advertisement, and that all allegations in the foregoing
statements as to time, place and character of publication are true.
REAL ESTATE SALE NO. 43
Writ No. 2007-4037 Civil VL.~ ~~~~
Wells Fazgo Bank, NA 1Sa arie Coyne, Editor
V5.
Timothy E. Gazling and i
Carol A. Gazling
SWORN TO AND SUBSCRIBED before me this
Atty.: Lauren Tabors 9 day of November, 2007
DESCRIPTION
ALL that certain tract of land
situate in South Newton Township,
Cumberland County, Pennsylvania,
NOtar
bounded and described in accor- y
dance with Plan of Subdivision for
Donald R. Reath, prepared by Wilbur
H. Clifton, Registered Surveyer, dated
April 07, 1979, a copy of which is ~+.•.~~.~..,~.,..,,,,
recorded in the hereinafter named NOTARIAL SEAL
Recorder's Office in Plan Book 35, DEBORAH A COLLINS
Page 63, as follows: Notary Pubflc
BEGINNING at a point on the CARLISLE BORO, CUMBERLAND COUNTY
centerline of 33 feet wide L. R. 21007, My Commission Expires Apr 28
2010
known as Firehouse Road at the ,
dividing line between Lot Nos. 3 and
a• ri,e..no oln..a *hP rPntPrlinP of caid