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Home My WebLink About03-4883WASHINGTON MUTUAL BANK, FA Plaintiff 1N THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA vs. CIVIL ACTION - LAW MICHAEL W. KRALL Defendant ACTION OF MORTGAGE FORECLOSURE THIS FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTINGTO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAENED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after the Complaint and notice are served, 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 claim in the Complaint of for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 717-249-3166 AVISO LE HAN DEMANDADO A USTED EN LA CORTE. SI DESEA DEFENDERSE CONTRA LAS QUEJAS PERESENTADAS, ES ABSOLUTAMENTE NECESSARIO QUE USTED RESPONDA DENTRO DE 20 DIAS DESPUES DE SER SERVIDO CON ESTA DEMANDA Y AVISO. PARA DEFENDERSE ES NECESSARIO QUE USTED, O SU ABOGADO, REGISTRE CON LA CORTE EN FORMA ESCRITA, EL PUNTO DE VISTA DE USTED Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA. RECUERDE: SI USTED NO REPONDE A ESTA DEMANDA, SE PUEDE PROSEGUIR CON EL PROCESO SIN SU PART1CIPACION. ENTONCES, LA COUTE PUEDE, SIN NOTIFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y REQUERIRA QUE USTED CUMPLA CON TODAS LAS PROVISIONES DE ESTA DEMANDA. POR RAZON DE ESA DECISION, ES POSSIBLE QUE USTED PUEDA PERDER DINERO, PROPIEDAD U OTROS DERECHOS IMPORTANTES. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATEAMENTE. S1 NO CONOCE A UN ABOGADO, LLAME AL "LAWYER REFERENCE SERVICE" (SERVICIO DE REFERENCIA DE ABOGADOS), (215) 238-6300. CUMBERLAND COUNTY LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 717-249-3166 WASHINGTON MUTUAL BANK, FA, : IN THE COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA VS. MICHAEL W. KRALL, Defendant CIVIL ACTION LAW ACTION OF MORTGAGE FORECLOSURE THE FOLLOWING NOTICE IS BEING PROVIDED PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C. 1601 The undersigned attorney is attempting to collect a debt owed to the Plaintiff, and any information obtained will be used for that purpose. The mount of the debt is stated in this Complaint. Plaintiff is the creditor to whom the debt is owed. Unless the Debtor, within thirty (30) days after your receipt of this notice disputes the validity of the aforesaid debt or any portion thereof owing to the Plaintiff, the undersigned attorney will assume that said debt is valid. If the Debtor notifies the undersigned attorney in writing with the said thirty (30) day period that the aforesaid debt, or any portion thereof, is disputed, the undersigned attorney shail obtain written verification of the said debt from the Plaintiff and mail same to Debtor. Upon written request by Debtor to the undersigned attorney within said thirty (30) day period~ the undersigned attorney will provide debtor with the name and address of the original creditor if different from the current creditor. PURCELL, KRUG & HALLER 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 Attorney I.D.# 15700 Attorney for Plaintiff WASHINGTON MUTUAL BANK, FA, Plaintiff VS. MICHAEL W. KRALL, Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACT/ON- LAW c,.y qg'S'.l c.. : ACTION OF MORTGAGE FORECLOSURE COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff, WASHINGTON MUTUAL BANK, FA, is a Corporation, with an address of P.O. BOX 1169, DEPT. 2665 MILWAUKEE, WISCONSIN 53201. 2. Defendant, MICHAEL W. KRALL, is an adult individual, whose last known address is 34 FAIRFIELD STREET, NEWVILLE, PENNSYLVANIA 17421. On or about, September 19, 2002, the said Defendant, executed and delivered a Mortgage Note in the sum of $82,702.00 payable to PNC BANK, NA. The Said Note is not accessible to Plaintiff and is believed to have been lost. In further answer thereto, a copy is believed to be in the possession of Defendant. Plaintiff also avers that the within Mortgage foreclosure complaint is based upon the Mortgage and that the attachment of a copy of the Note is unnecessary pursuant to Rules 1019(h) and 1141 (a) of the Pennsylvania Rules of Civil Procedure. Contemporaneously with and at the time of the execution of the aforesaid Mortgage Note, in order to secure payment of the same, Defendant, made, executed, and delivered to original Mortgagee, a certain mai estate Mortgage which is recorded in the Recorder of Deeds Office of the within County and Commonwealth in Mortgage Book 1775, Page 1582 conveying to original Mortgagee the subject premises. The Mortgage was subsequently assigned to WASHINGTON MUTUAL BANK, FA and will be sent for recording. The Said Mortgage is attached hereto as Exhibit "A". 5. The land subject to the Mortgage is: 34 FAIRFIELD STREET, NEWVILLE, PENNSYLVANIA 17241 and is more particularly described in Exhibit "B" attached hereto. 6. The said Defendant is the real owner of the property. 7. The Mortgage is in default due to the fact that Mortgagor has failed to pay the installment due on May 01, 2003 and all subsequent installments thereon, and the following mounts are due on the Mortgage: UNPAID PRINCIPAL BALANCE $82,223.63 Interest at $14.07 per day From 04/01/2003 To 10/01/2003 ( based on contract rate of 6.250%) $3,010.98 Accumulated Late Charges $81.48 Late Charges $20.37 From 05/01/2003 to 10/01/2003 $142.59 Escrow Balance $659.71 Attomey'sFee~5% of PfincipalBalance TOTAL $4,111.18 $90,229.57 **Together with interest at the per diem rate noted above after October 01, 2003 and other charges and costs to date of Sheriff's Sale. The attorney's fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and will be collected in the event ora third party purchaser at Sheriff's Sale. If the Mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged that are actually incurred by Plaintiff. 8. No judgment has been entered upon said Mortgage in any jurisdiction. 9. Notice of Intention to Foreclose and accelerate the loan balance pursuant to Pennsylvania Act No. 6 of 1974 is not required in that the original principal balance exceeds $50,000.00. 10. Defendant is not a member of the Armed Forces of the United States of America, nor engaged in any way which would bring him within the Soldiers and Sailors Relief Act of 1940, as amended. 11. The within Mortgage is insured by the Federal Housing Administration under Title II of the National Housing act and, as such, is not subject to the provisions of Pennsylvania Act No. 91 of 1983. WI-IEREFORE, Plaintiff demands judgment in mortgage foreclosure "IN REM" for the aforementioned total anaount due together with interest at the rate of 6.250% ($14.07 per diem), together with other charges and costs including escrow advances incidental thereto to the date of Sheriff's Sale and for foreclosure and sale of the property within described.By:~ ~R PURCEL Leon P. Haller, Esquire Attorney for Plaintiff I.D. # 15700 1719 N. Front Street Harrisburg, PA 17102 (717-234-4178) ROBERT p. ZIESLER R[CORDER OF DEEDS ,;U~BERLAND-OOUNTY-PR '0~ OCT I RR 10 58 "'Record and Return To: 2000 OI~'ORD DRi'VE 1~'118~. PA[~C, PA 15102 Parcel Numee~. 28-20-1'/54-073 Cemmunwenltk of PunmTlyaoLq P~-pared By: ~t,~el P~k~ PA 15102 This Uae IPm' Ibemli~ BaleI MORTGAGE 441-700936d-2039 Lender #: 0048953053 THIS MORTOAOE ('Security Instrument') is ~ on ~teabe~ 19, 2002 The Mottga~r is ~t[.~l W I~ctl.1 ("B~rowe~. 'fhis Security Instalment is given to ~ aank, t~. which k ot~ni~ed and extstlnS under tl~ laws of gn~.t~nd Staeme ~' a~-/e~ , an~ wbunenddressis 249 r~.f'cb AR., I ~ Plmsa, P&e~, PA 1~22 ~ ~ ~ ~ ~ ~.ct~ ~~-..- ~ ~,,, ~ ~ EXHIBIT "A" - Legal Description 34 Fairfield Street New~ille PA 17241 ALL THAT CERTAIN Ir'act of lend situate in the South Ward of the Borough of Newvtila, Cumberland County, Pennsylvania, more particularly bounded and described as follows: ON the South by Fairfield Slmet; on the East by property now or formerly of Ralph Lay: being the eestem half of Lot No. 52 on b~e hareirmffer mentioned Plan of Lois; on ~ North by an alley;, and on the West by LO{ No. 54 of the Plan of Lois hereinafter mentioned, having a frontage of 60 feet on said Felrreid Street and extending al an even width 118.5 feet ~o an alley in the ~ being improved with the western half of a two- story double frame dwelling house (the eastern boundarj line oft, aid Ixoparty running I~rough and dividing ~e honse on the lo{ described above from the house on the Ict Io the Eest themo0 being the Western half of Lo{ No. 52 and Lo{ No. 53 on the Plan of Lots of the Farmers Bank, Carlisle, Pennsylvania. BEING the same premlans which David J. Ware and Avis L. Ward, husband and wee, by their deed dated November 2. 2000 and recorded November 3, 2000 in the Office of ~ Recoecler of Deeds in and for Cumberland County, Pennsylvania, in Deed Book 223, Page 386, granted and conveyed unto Randall G. Nenninger and Taunya L. Shearer. now known as Taunya L. Nennlnger, husband and wife. AND BEING the same premises which Randall G. Nenninger and Teunya L. Shearer, n/k/a Taunya L. Nenniuger, husband and wife. by their deed dated and m__.~de~ even date herewith in the Office of the Recorder of Deeds in and fOr Cumbe,'fand County. Pennsytvan~a. granted and conveyed unto Michael W. Krall. single man, Morlgeger herein, I Certify fltis to bc recorded In Cumberland County PA ~l 775PI;15gl sum of ]~:i. gh~-y 'L'vo ~hou,~:t .Seven .m:dz'ed ~,o .~d 00/100 .................... .............................................. Doil,r~ (U.S. S 82,?02.00 ...... ). 'fltis debt is evidenced by I~xmweCs onto ,~,.a th~ snme ~ ss ~is Securi~ lnsmm~nt ("Note"), which provides For monthl~ pa~nalis, with the full rid)t, if nm paid anrli~r, duc and payable on Oocol:m~ 1, 2032 . This S~c,rJ~ Inslrum~t ~ecums Io Lander: (a) the repayme~ of We dd~ ~,ide~c~d by M Nole. with in~l, ond ~lJ renewals, exmnsions and modificatio,~ ot'~ Noig; (b) the pa).m,~ of all oth~ mnn~. with intor~st. ,d .ymca___ und,r p.r~r.p~ ? to pro,ct tl~ w:,rity or this Instrument;. and (c) th~ pm"onl~Oe~ of l~.own's onven~n~ ,nd qm~mm~ ondn' thb ~ .nd We Nom. For Wis rpor'~'~e---. Bon~.~or do~ i~r~by mo~.~e. ~t and conv~y M d~ Lmder which h~s W~ ,ddr~s~ of 34 ga:L=£:Lild ~l~ia 17241 ~] ~ sp~a~ ~ ~ n~ ~ h~ a ~ oft~ ~. All ~ ~ ~s ~1 aim ~ ~ ~ ~is ~ i~m~L All of ~0~o~ ~V~A~ ~ ~t m m~ chi~ ~ ~ sub~ m ~ ~ of~ c~u with I~ ~FO~ i. ~nt of~l~ In~t nd ~ ~ ~ m~ ~ a m~p~ ~ce ~-mlum m ~ ~ of H.on '.~.. and U/ ~1~ (~ ~ in ~y ~ b wh~ sm~ ~i wouM ~ ~ ~u~ tf ~ ~11 1775 158.3 held the Security lnmmmont, each moafhly payment shall also i.ncludu eithor: (J) a sum for the annual morlSaSe insuruece p~mium to he peld by Lender to the Secretly. or (ii) · monthly chez~ instead of mor~ insurance MemJum if this S~-onfity Ins~ment is heid by the SecreCy, in ii rcesooub]e amount to be determined by the Seorem~. Except for the monthly cha~e by the Senmto~, these item~ m~ called 'E~v Items' and the muns ImM to Lender are celled 'Escrow Funds.' Lend~ may, at any time, collect and hold mnoonts for Esum~ Items in an s~gtesate amount not to exceed the m~cbnum anmunt that may be required for Borsowe~s escrow account und~ the Real Estate Settlement Pmuathuex Act of 1974, 12 U.S.C. Section 2601 e/~g. and implementing reBt~ 24 CFR Part 3500, as ~ may he amended fTonl time to time ("RESPA"). except that the cushion or reserve permitted by RESPA for unanticipated disknsements or dkkn,semants before the Botrosm~ payments are available in the ncemm! may not he based on amounts due for the mortgAse insonmce premium. Ifths amounts held by Lendor t'or Escrow lmms exceed the amounts pennhted to he heJd by RESPA.. Lender shall account to Bom}wer for the uacess ~onds as required by RESPA. If the amounts of'funds held by Lender at any time are not sufficient to ~ the Escrow Items when due, tender may notify the Bon~wer and requite Borrowor to mahe up b't~ shmla~e ns penniffed by RESPA. The F. scn)w Fond~ m~ pledBed as additianel security for ~ ~ seon~i by fids Security InsmonenL If Bon'ower tondu~ to Lender the ~11 Faymant of ell such sums, Bon~.~e~s ~__,~.~,ont shall he credited with the baleace remaialn$ for ell instellmont items (a), (b), and (c) ami any to~ b~umnce ix~eminm inmalimont that ~eador ~ not become obligated to Way to the SenmtmT, and Lender shall M~mptly m~ond any excess fimds to Born~re~'. Immedi,'*aly Ix'ior to a Ewec]om~e sale of the Pn~ or its ecquleidon by Lender, Borrowers aceon~ shah he credited with any baiauee mmelnln8 for all inssallmuats for items (a), ~), ~.d (c). 3, Applkafion of I~onU. All Ix~j, ments under p~aBraphs I and 2 siml] he applied by Lend~ as foUows: Firat. to the mor~ insufonua premium to he paid by leader to ~he Sec~ or to the monthly cha~e by the ,Genmt~7 Jnstoed of'the monthly mon~a~e insurance premium; Sueond. to nay axes, special assessments, leasehold payments or ~,~onnd ren~, and tim, flood end other ~ to Jn~msl due ul~ ~ Fourth. to 8mortiz,~ion o~ti~ I~ueii~ of~ No~ uad Fifth. to late chromes due undor the Ncte. 4. Fire, Flood .,sd Other'Hnuaed lenernnen. Bonower shall insure ,ell improvements on the I~, whethor now in existence or subsequently e~ected, against any hazards, exsualties, and comingencJes, jueindin8 fire. fl~' which Lender requifex insurance. This insurance shall he meltoaiend in the amounts end for the periods that Lender requires. Borrower shall also insure ali :..j.,u*C.J,.nt~ on the Pmpmy, whethor now in exiatenc~ or suhe---lUently erected, against loss by floods to the extent required by any renewels shell he held by Lender and sheit include loss payable clauses in Favor of, end in a form In the evont of Jess. Bom)wet shall el~ Lender immediate nctien by mail. Lender may nmke loss if not made I~ompdy by Borrows. Each ins~once COml~ny conuemed k hereby uathmized and dkected to make Ix~nuat for soch ions directly to lender, instead of to Bonc. a~ and to Lender joindy. All orany pan of the insurance pmeceds may be al~lied by Lender, at its opdon, either(a) to the reduction the induMedatess under the Note and ~ Seonrlty lnmnanent. ~ to uay dulinquem amounm applied in the ordur in pere~rNth ~. and then to Fn'el:myment of princiMd, or (b) to the mstoratiou or tepeir of the damaged Property. Any application of the ~ to the M~ncipal shell not e~end or ix~-tlx~e the due date orthe monthly peyments which nrc retklTed to in pamsraph 2, or ehense the amount of such i'"Tments. Any exeCS insurance proceeds over an amount requited to way all out. ending indchtednc~ oudur the 14otc and this 61(! 775P[;i Se~urit), Insm~me~ shall be puid to Ihe emJL~ le~al]~ emitJed ~. exti~J~ ~ i~ all ~ dtk ~ Jaw of ~ in ~ m ~u~ ~]icJ~ ~ ~ s~m~e~. ~, ~mtbn, MHn~nam a~ Pm of the ~ ~rm~s ~n Appl~tWn; ~k~ ~ ~a]l ~, ~bli~ ~ u~ the ~ H ~s ~n~l ~ ~ m~ i~ ~ ~ if~ ~ ~ v~t ~ ~ ~ the I~ ~ b ~feulc may ~ ~le ~ m ~ ~ ~ ~ ~t ~a~ ~, ~r i~n ~ ~ ~ ~ (~ ~i~ ~ ~ ~ wi~ ~ m~af inf~) in ~n~t~ w~ t~ ~ evJ~ ~ ~ ~ i~lud~ ~ nm i~ m, ~ ~i~ Co~m~t~ ~ ~ ~ ~y ~ ~ claim ~ ~ d~t ~ ~bl, in ~lH~m ~ ~l~ h t~ ~ ~dd~ ~ ~ ~, ~ ~ m ~ ~ ~i~. Any ~m~ ~ m ~ m in ~ ~ ~ cha~ ~e ~z of such ~m~ ~ ~ ~ o~ ~ ~o~ ~u~ m ~ ail ~b~ i~ ~K ~e N~ ~d ~is ~ ~men~ K ~i~l ~ ~m~ ~d im~iti~ ~ ~ ~ ~1~ ~ ~ 2. ~ ~y ~ ~1~ ~ t~di~ m ~ ~ ~ b ~ ~ ~L ]f ~iJ~ ~ ~ ~Jd ~y ~ouna di~ ~ ~ ~ ~ ~ ~11 ~ ~ ~ ~ of ~ ~ the ~ ~ ~ ~ ~e ~i~ of ~, ~11 ~ ~ly d~ ~ ~le. .lil(.1.7 75 PI; 1585 Ba~ower ~mli ixamiXly df, seMirBe Imy lien whl~ has priority ove~ als ~_~ l~t unlm ~ ~) ~ in ~ ~ith the lien ~, ~ w~ h ~ ~s o~i~ ~ ~ mira ~ my ~ o~ ~ ~ ~bjm ~ a lin ~i~ my -m~ ~i~ ~ ~is I~eflk ~ m~ live Bm n n~ ~ing ~ lit ~ s~l ~s~ ~ lin me ~ m~ ~ ~s ~ ~ m wi~in I0 hys ~e gi~ offs. ~m~ for A~:dmt~n ofh~ In~ ~ m ~ ~ ~e ~ ~ og~ ~ m~ly ~t, or ~ in ~ ~ l~me~ (b) ~le ~ut C~il Appel ~r thc ~ a~ ogthe ~, ~im im~e (OAllor ~og~e ~, ~a ~ ~-~ with ~e ~u~ oFt~ ~a~. (~ ~ladom oF HUD ~. In ~ o~um~c~ ~u~ i~ ~ ~ ~ ~lf ~ ~ ~ m~, ~ ~ ~i~ ~ui~ ~ ~ ~ ~ w~ ~e u~vaJ~l~ oF in~e ~ ~le~ due ~ ~ ~ilu~ fo c~ ~s' ~ ~ ~ ~ ~h~ wi~ ~ ~1.~ ~ U~ P4R(PA) leaom ~,~s~m ~ ~ B I. 775P 1586 as if ~ had no~ rcquirad inmmdiam paym~m in ~ll. H~, ~ b ~t will ~lgd~ ~ ~ 4iK~ ~ ~ tho ~, ~ (iii) ~i~t will ~s ~ in in~,~. ~ ~11 ~ ~ ~ui~d ~ ~m~ ~ p~ In i~L ~ f~ ~ ~ in ~sin8 ~ ~ ff ~ ~11 n~ ~ a ~i~ ~ ~1~ t~ ~ of~ ~ ~ ~. ~ of ~ ~u~ ~ ~ bind ~d ~fit ~ su~ and ~, ~J~ m ~ ~ ~ ~ ~). ~ ~ md ~ G~I ~ joht ~ ~. Any ~ who ~1~ thb ~ In~ ~ ~ n~ ~uM ~e N~ (a) is ~si~i~ ~ ~ ~mmem ~ m m~, ~ ~ ~ ~ ~s in~ in ~ ~ ~ ~s ~b ~ ~; ~) is ~ ~al~ obli~ ~ ~b ~ I~mK ~ (c)~ ~m ~ ~ ~ ~ B~m~ ~ ~ ~ m~i~, I~ N~ A~ ~ m ~ ~ f~ in ~ ~ l~mmt ~i~ h ~ ~ maiiln8 k ~ ~ ~ mil ~lm ~[i~Me law ~ ~ n~s~l~d~~A~y~B~ ~ ~ ~ ~ ~~r~ 8i~ ~ ~ in thb ~. bw oF ~e ~i~i~ ~ ~h ~e ~ is ~. h ~ e~ ~ uy ~bi~ ~ cl~ of ~is ~ i~t ~ ~ N~e ~fli~ wi~ ~i~le law, ~ ~fl~ shall ~ ~is ~ i~t ~ ~e N~ wh~h ~ ~ 8i~ eK~ ~ ~e ~fl~ ~i~. To ~iJ ~ M~ a~i~ ~e ~ ~t b b vio~i~ ~ ~ ~v~nml ~w. ~ ~1 ~ a~ly to ~ ~ ~, ~ ~ m ~ ~ oF ~ll q~tit~ H~ ~ ~ ~ ~ K~i~ ~ hu ~ ~. If ~ ~ H~ ~ nK~i~ ~ ~ is ~, ~ ~all ~ ~iM ~s in ~ ~ End--mini ~w. 81{ 1.7 75PI; 15.87 As used in this paraBmph 16, "~,m,,,dous Subsfmtces" me those subsmaces deflnaJ as toxic or lunfdous subsancu by En.A3mmaJtaJ Law and the ~ollowin8 submances:, psoline, k~-,~te, flemroable m' toxic petFoleum j:~oducts, toxJc pesticides and herbJcJde~ volatilg solven~ n~ls co~tainJn8 asbestos ix- fmmaldchyde, and radioactive maserlals. As used I. this ~ 16, "Envimmuenfal Law' means ~ laws and Jaws of the jurisdiction where the Pr~ is Iomt~l NON-UNIFORM ~OVENAIdTS. BoflQwer and Lender ~uflher covenant and qree as Follows: 17. Ass~ummtt of Rents..~ unconditk)md]~ assipts and Irmuf~rs to ~ all the nmts and and hemb~ directs each tenant of'the Pro~ to ~y the refits to Lgn(Ja' oF L_-mder's aBems. However, p~m' to l. ender's notice to tkFmwer of Sormwm's bruoch of any covenant m' ap~emcnt irt dm Security ]r~stllulJ~t~ ~o~Tower ~ligJl collect and receive all refits and revmues of'the ProJ~'ty as m]stee ~'m- th~ of ~ and B~,~.vcr. This assignment of'rents constitutes an absolute ass'tBnmem and not an assJimnmt for addhio~i ~'m~, If I.~.~ler &,ives notic~ of ~each to ]~XTOWef: (a) all ~S ~cei~ed I~ ~Towe~ shall ~ 'held by Ooffower as I~stee f~' benefk of'Lg~der only, to be applied to the sums ~ ~ ~e ~ ~m~ (b) Lend~ shall be ~ntitled to collect end receive :11 ofthe rents or'the Properly; and (c) e~ch tenant Properly slmll pay ~11 rents due ad unpaid to ~ oF Lenders ascot on Lendu's written demand to tgmmt. Borrower hu no~ exL~ecl ~ny ixior usi~mem ot ~he rcnls ~nd Im nm and will no~ pe~orm my ~ ~hE would i)mvm: I~n~r flora ex~cisin~ iu ~b~s un~' Ibis ~ 17. Lender slmll m be required lo cum' upo~ take comrol of oF maimin h~e Properly l~fm~ or slier ~iviflS m~ice of breve to Bewower. How~, ~ or fl judicially ttplx)inmd receiver mty do so at any time ~ i~ · bemch. Am/sl~icetiou of ~nts shsII aot cum oF w,tiv~ shy d~Faul! ~ invalid~ any mher right or remedy of L~uder. This ~i~nmmt of trots of the ~ shall t~minate when th~ de~ ~ by 18. roruelosure Procedure, If' Lender reqlJrm immedinle payment Ju full uader plrl~rapb Lender may roredese tbb Sceurf~ Instmmeut by JudJ,.*b! pmceedlnr~ Lender shall be entitled to cofJect an ezpemes bcarred in purs-,Inf the remedies provided Jn mis plra~llpk 18, includlab but not limited to, attorneys' ;ees ind eosts of tffle evidemce. Ir the l,e~de~s lutef'~t Im thLs Security Imtm,,,eot is bald by the Seeretary and the .6eeretary rt, qui~-s immedJale lumymeat in rail under Paru~rlph 9~ the Seere4ary mi)' Jlvoke tbe mo~udJL'Jtl power *fi*nb provided Ju the Single F'ltmily M~ rorecJosure Act of 1~4 ("Act") (12 U.S,C. 3751 ~ ;~.) b~ requestinf a foreclosure commis~JOaer desipated under the Act to commence roreeJosnre fnd to sell the Prolm'ty ss provided Ja tit-, Act, Notldq ht the precedinI seatence skall deprk, e the Se~refary of'amy risbts otberwfse mvulhble to · lender uncle~ this Purufmph IS or mpldkable law. 19. h Upon payment of*dj sums secured by fbls Security Instrument, this Sectu~ Instrument and th,- estate eonvo~d shall termfnate and become void. After such occmTence, I.cnder shall dtsclmJ~ and satisfy this Socudty Insla=dmem without cha~e to Borrower. Ikmmver shall tngy Bny recm'datkm cos~.' 20. WmlvefL BmTower, !o the extmtt petmitled by applicable law, wafves and releases any e~or or defe~ts in proceedings to enfo~e this Security Instmmen~ and heir. by waives the benefit of'any [xesent future laws provjdin8 for stay of execution, extension of tim** exemption From attachment, levy and sale, amd homes~d e~emptJo~ 21. Rdnst~temeut Period. lk~tm)we~! time to reinstate provided in pafqraph 10 shaJ! extend to one hour pi'ira' lo the commeoc~flmt of biddina 81 a sheriffs sale Or other ule pof3uani to thee Secur~ ]flstmment. 22. Purebase MOlley Mortp~e. If my of the debt secured by this Securip/ Ip. sSrument is lent to l~xTow~- to acqu Jre tMe to fbe Properly, this Secm*ity lnslnm~tt shell be a purclmse nmney mofl~q~ ffi 1775PI; 1588 23. Intes~t Rnte After Jnd~ment. Banmver agrees that the interest rate pn~ble efler a judgmant Lq emend on the Note or in an Ktion ot'mo~a~e ro~eelosum slmll bo the rate I~yable from time to time nncler the No~. 24. Riders te Ihk Sec~rky Imprudent. l~one or mo~ ~ ~r~ ex~u~l by i~w,,~ md rem~ed ~ with ~is Securil~ lusuume~l, th~ covcoana of'nth such ~ shall be inco~x~ed into nd shJl amend and supp[emeM the ~ts and ~,~emenU ofthk S~curity Instrument as irtbo rider(s) we~ a pert of this Seeurlty lnstflnnem. [Cheek applicable box(fi)]. :~ Condominium Rider ~:~ Gn~vin~ Equity Rider [-~ C~her [specify] Planned Unit Development Rid~ L.J Graduated Payment Rider BY SIGNING BELOW, Rormwer accepts nnd ngre~s to the te~ns contained in this Security Insmnnent and in any rids~s) executed by Borrow~ and recorded with (san~ (~i) (Sul) (Sanl) , do hmeby emlry that the con'~ct add. ss of B I775TT;589 Cumberland Couuty n: 2002 , before me, tbe und~'si~ of T~er, known to toe (ar salJsfactarJiy wbe~e natoe J.s subscribed to the within insmaacnt mad acknowledged that he execufed the same far the pu _q~ee~__~ bemin contained. IN WITNESS WHEKEOF, I hemutoo set my lured all~"~kt4~L (~ . , ~.~,~ ,~ 1 (',3~,,.,., t-~,,- ~ I. 775K 1590 EXHIBIT "A" - Legal Description ~4 Fairfield Street Newvllle PA 17241 ALL THAT CERTAIN tract of lind situate In the South Ward of the Borough of Newville, Cumberland County, Pennsyh~nli, mom pa~culir~y bounded and dascrtbed as f~iows: ON Ihe South by Fairfield Sheet; un Ihe East by property now or fon'ae~/of Ralph Ley; being the eastern heft of Lot No. 52 on the hereinafter mentioned Plan of Lots; on ~ North by an alley; end on the West by Lot No. 54 of the Plan of Lots hereinafter menlioned, having a frontage of 60 feet on said Fairfield Street and extending al an even width 118.5 feel to an alley in the rear. being impro~ with Ihe wastem half of a two- story double frame o~welllng house (the eastern beundery line of said property nmnthg through and dividing Lot No. 52 and Lot No. 53 on the Plan of Lots of lhe Farmers Bani;, Carfisla, Pennsylvania. BEING ~he same premlaes which David J. Warn and Avis L. Ward, husband and wife, by their deed dated November 2. 2000 and rec~,,-~;ed November 3, 2000 in the Office of the Recorder of Deeds In and for Cumberland Courtly, Pennsylvania, in Deed Book 223. Page 386, granted and conveyed unto Randall G. Nanninger and Taunya L. Sheerer, now known as Taunya L. Nannlnger, husband end wife. AND BEING the same premises which Randall G. Nanninger and Taunye L. Shearer, n/k/- Taunya L. Nenninger, husband and wife, by ~elr beed dated and recorded even date herewith in the Olfice of the Recorder of Deeds in and for Cumbeffand County, Pennsylvania, granted and conveyed unfo Michael W. Krell, angle man, Mortgagor herein. CertiFy fl~is to be recorded In Cumberland County PA i gl 775 ;1591 COMPANY NAME: m_qamu~u~tayru~ma<, m VERIFICATION I verify that the statements made in the foregoing Complaint are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Dated 9/11/03 Dean LaRocha Title Assr Secretary SHERIFF' S RETURN CASE NO: 2003-04883 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WASHINGTON MUTUAL BANK VS KPJtLL MICHAEL W - REGULAR VALERIE WEARY Cumberland County, Pennsylvania, says, the within COMPLAINT KP~ALL MICHAEL W DEFENDANT , at 1228:00 at 34 FAIRFIELD STREET NEWVILLE, PA 17421 MICHAEL W KRALL a true and attested copy of Sheriff or Deputy Sheriff of who being duly sworn according to law, - MORT FORE was served upon the HOURS, on the 19th day of September, __ by handing to together with COMPLAINT - MORT FORE 2003 and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 8.28 Affidavit .00 Surcharge 10.00 .00 36.28 Sworn and Subscribed to before me this 2,~ day of ~f~ · ~aY~3 A.D. onotary So Answers: R. Thomas Kline 09/23/2003 PURCELL KRUG HALLER Deputy Sheriff