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HomeMy WebLinkAbout07-4885t IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, CIVIL DIVISION Plaintiff, No, d`J - '7y~ C lt~ aC,, ~~~ vs. RAND M. ROCKEY, CIVIL ACTION -COMPLAINT IN MORTGAGE FORECLOSURE Defendant. Filed on behalf of PNC Bank, National Association, Plaintiff Counsel of record for this party: Brett A. Solomon, Esquire Pa. I.D. #83746 bsolomon(a~tuckerlaw.com Beverly Weiss Manne, Esquire Pa. I.D. #34545 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 I hereby certify that the property to be foreclosed upon is: 423 W. Main Street Mechanicsburg, Pennsylvania 17055 Borough of Mechanicsburg Tax Parcel No. 20-23-0567-027 Brett A. olomon Attorney for Plaintiff BANK_FIN:304424-1 000011-133120 s IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, ) CIVIL DIVISION Plaintiff, ) No. Q 7 - ~ ~~ vs. ) RAND M. ROCKEY, ) Defendant. ) IMPORTANT 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 maybe 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. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717)-249-3166 1-800-990-9108 BANK FIN:304424-1000011-133120 f 1 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, ) CIVIL DIVISION Plaintiff, ) No, ~ 7'"~~~~ vs. ) RAND M. ROCKEY, ) Defendant. ) COMPLAINT IN MORTGAGE FORECLOSURE AND NOW COMES PNC Bank, National Association, formerly Pittsburgh National Bank ("Bank"), by and through its counsel, Tucker Arensberg, P.C., and avers the following in support of its Complaint in Mortgage Foreclosure: 1. PNC Bank, National Association, is a national banking association organized under the laws of the United States of America with a principal place of business at One PNC Plaza, 249 Fifth Avenue, Pittsburgh, Pennsylvania 15222-2707. 2. Defendant, Rand M. Rockey, is an adult individual whose last known address is 423 W. Main Street, Mechanicsburg, Pennsylvania 17055. 3. On or about August 4, 2004, Rand M. Rockey ("Borrower"), executed a Direct Installment Loan Disclosure and Note ("Note") whereby Borrower promised to pay to Bank the principal amount of $84,000.00 plus interest as provided therein. A true and correct copy of the Note is attached hereto as Exhibit "A" and incorporated herein. 4. The obligations evidenced by the Note are secured by a Mortgage dated August 4, 2004 ("Mortgage") given by Rand M. Rockey ("Mortgagor") to Bank, encumbering certain real property located at 423 W. Main Street, Borough of Mechanicsburg, County of Cumberland, Pennsylvania, as more particularly described therein ("Premises"). The Mortgage was recorded on August 16, 2004 in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania in BANK FIN:304424-1 000011-133120 a Mortgage Book Volume 1877, Page 1433. A true and correct copy of the Mortgage is attached hereto as Exhibit "B" and incorporated herein. 5. The Borrower is in default of the provisions of the Note for failure to make payment when due and therefore the Mortgagor is in default of the Mortgage. The Note is due from March 1, 2007 and as of July 10, 2007 was past due in the amount of $4,143.65. 6. The Mortgagor is the record and real owners of the Premises. 7. There has been no assignment, release or transfer of the Note or Mortgage. 8. On or about March 12, 2007, Notice was sent to Defendant in accordance with 35 P.S. §1680.403C (Homeowner's Emergency Mortgage Assistance Act of 1983 -Act 91 of 1983) and 41 P.S. §403 (Act 6 of 1974) that an action on said Mortgage may be commenced after 31 days from the date of the Notice. Said Notice further advised Defendant of Defendant's rights and obligations in accordance with the Act. A copy of the Notice is attached hereto as Exhibit "C", collectively, and incorporated herein. 9. The amount due Bank under the Note and Mortgage as of July 10, 2007 was as follows: Principal $67,751.02 Interest through July 10, 2007 1,069.99 (continuing thereafter at $6.0209 per diem) Insurance 148.55 Late Charges 141.57 Recur Fee 20.00 Attorneys' Fees 1,015.00 Costs to be added TOTAL $70,146.13 10. The total amount due to Bank under the Note and Mortgage as of July 10, 2007 was Seventy Thousand One Hundred Forty-Six and 13/100 Dollars ($70,146.13), plus costs and attorneys' fees. BANK FIN:304424-1 000011-133120 ~ 1 WHEREFORE, Plaintiff demands an in rem judgment in mortgage foreclosure for the amount due of Seventy Thousand One Hundred Forty-Six and 13/100 Dollars ($70,146.13), plus continuing interest at the contract rate from July 10, 2007, late charges, reasonable attorneys' fees and costs of foreclosure and sale of the Premises. TU KER ARE ERG By: Brett A. So omon, Esquire Pa. I.D. #83746 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 Attorney for PNC Bank, National Association, Plaintiff BANK FIN:304424-1000011-133120 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, ) Plaintiff, ) vs. ) RAND M. ROCKEY, ) Defendant. ) AFFIDAVIT OF NON-MILITARY SERVICE COMMONWEALTH OF PENNSYLVANIA COUNTY OF ALLEGHENY CIVIL DIVISION No. SS: I, Brett A. Solomon, Attorney for PNC Bank, National Association, being duly sworn according to law, hereby depose and say that the Defendant, Rand M. Rockey, is not a member of the military service of the United States of America to the best of my knowledge, information, and belief. Brett A. Solomon Attorney for PNC Bank, National Association Sworn to and subscribed this T d of- ~f'~f~ Not ub is My Commission Expires: me 2007. COMMONWEALTH OF PENIVSYLVANIA Notarial Seal Kelly J. Mizak, Notary Public City Of Pittsburgh, Atleghenv County MY Commission Expires May 23, 2009 Member, Pennsylvania Association of Notaries BANK F1N:304424-1 000011-133120 VERIFICATION I, Darnelta Ganaway, Attorney Relations Manager, and duly authorized representative of PNC Bank, National Association, depose and say subject to the penalties of 18 Pa. C.S.A. §4904 relating to unsworn falsification to authorities, that the facts set forth in the foregoing Complaint in Mortgage Foreclosure are true and correct upon my information and belief. Dar ella naway Attorney Relations Manager PNC Bank, National Association (Page 2 of 4) ~ a Page 1 of 3 Direct Installment Loan Disclosure and Note lTorrower: MND M ROCNEY Lender: PNC Bab, Netleed Aawefedaa ~ PNCBAI~K Datr OIR11f2004 kaa preeedsd by " ^' an roe appbabb trdw mrbsd'®' r 1M etlrivein. Tnsth-in•Lorsding Dbcboura ~~~~ ENTAGE ~ ~ ~ Arlntmt financed Tlr setaeM of a dt Total of i~atrfltents Th d Y j , Tho dola artotmt the aedlt a ~°"~ to tln Bertower e arntat tl ln+ Bortower wl haw paid aha 8orrower The east of tb arowa's credit as a will cost IM Barowa. er fn ~+ Bortowa's bahdf. has made al pylnanu as sehaAlbd. yearly rate. 5.487 76 125,526.57 S 84A00.00 3113,274A0 e The Rerrewer•~ Pw~erN Q ' ..ter r..• - Number of Pa n -- ~---~ --- Artaun of P is . newts n mrmep ttlha le Are Dta 120 $ 3.5 a in 1 Seearlty: leedu is pttinp a uariry iareat in ipesin a y neN by lend~ead: None. 6aods a propeAy beiH puehesed. Red Estae. In eddldoq colaerd (ether then Borrower's prirrtipd nddsrrnl securbry otlar ahlpatians to Leader ray dm scan this Note. SeeurltY Cberya: ^ Non Fiinq fret t 65.50 lab CMrpr ^ Rot Ap1AeaW. ®tl a petvaertt 11 not pad n M wilAin 15 deg of iu rr daa. 8orrrarr tray d draped Aa gaaar N 120.00 a S% N Aa told peyaeet. PnpayraeeC II Barorra pep off eeAy, Barrrera wN rot Ireve a peY a pendty. Regaiod oepedt BaleeeeQ Not AppOtehle.^ Tla Arsapl Paeeaep Rea does not fete imo cacao eq required deposit bderra. Atertaytbe: It tkt bar it ueund try s dwelinp, senron paMetiq flat dweAby caeca assure Are nrrridsr N tla ben r th eripnd arms. Verlgbb Mtec ^ Na Applicable. TNs ba tvuuin a vabbb raa fiarn. Ditclosnra abem Are raiebb rat baton here boa provided n Ya ea6a. Tln Amend Paeaxap Rm my ironw 4 Are fhirr Ro ptifieMd ie 7M IRs/ Synet Jeerer ironeea. The raa wl0 as iweMa mere often tha erne a msnAr. The ran wB net ~eew more Ann an paaaepe poia M eqr as earl and wi! rot ieeroesa rrre tha the prantap pdrda Aria Aa farm N th ben. Tlr raa wN newt irrenea Myed 1f1%. Any iroaw b 1M rah et a reap o} en irtraea b the Inds mry arse do raeeba N peYrarMa a iraeae, eedla: ^ tla ertauet of th Red peymem to efarge. Tire fiul prpnaa wi rrwr be ieveeed a moro tlaa 150% N Ar nprdar paYran. trot esanpb, if you ben wen fat 10.000.00 a an iddY raa d q 112%, npeyebb b 4a menlllY o+Y+ari of t270.78. and tM rate h-croaal n 14 112% aka i2 pgareq~ irneued fi t6 112% afar Ara net 12 veNrann, and than nmeiad aann to tlr term N tln ben Yon vwdd r abed n pay w additbad v+Y+An N ti64./B. tM ametaA of na poYrrran 1e daMe. Tla octant! et th paynruAS may ir;raase every foa ran. The Aral wtnnn rover a irrnesel a men dtn 150% N Aa rwlder NYaant. fa aatrgM, B yaa Ian wan rw 110.000.00 a a atitid raa o1 19 If2%, repayabb b 72 taoaNy PMnnaa ed i2013B, old Ihl rMa Ntaepad a t4 112% char t2 paynwMe, irtnnad ro 1! 112% after Aa not 12 a.yauAS. ad tftw racial der care la An term of Ar leaf, tle peyrtaat enoreA world eea ro 1227.12 hr tln 4fAlr tMrw~h An 72d peytnrAa. If Barowera pertldpagen b An otxenretk peYrrarx plat b feoerrieeed fa anY eeeestr, Aa Aetomaie -eYrttax Piw 06tatert N rae«x.o• P+~ta wN tenrAaa eM nnY eawe the nn a iwew. AnY increeee a the rate vsi coca w emsvrn N tM veymerrts ro iaroeee. Fa eeergb. N you Mn erae fa 110,000.00 a en iddd tea N 19112%, repayelN h 4! nantN(, paprants of 1270.70, ctrl An obaatt tenalraN en« 12 paYrrrntu Ar peyeaa attar teed! ireraw a / br nr rerrerrrder N An tam of the Noa. RIa petmaa eramda atatena Bettawa ha Rol ebetd n ptadrw GMt latrexeJ ^ It Bernvvar's pertldpatbe it tAa Cbl a Paelap Platt b isaatiseed iN any rtala, tla Club Dbttax N poine wIN taminn and nay caw tM raa n iteraae. AaY ititw b tla na wIA catty der atttora al An paYrarts ~Mtaeta~i for eetetyb, if you ban were fa 110.000.00 a to itldd iarast ran N 191Q%, rapaplle b 4e meaNy peynarAa N 1270.7& end IM Cbb OlsearA tantinetel aha 12 peYttteae. IM peytttea gnat would beroaN tot fa do rernida N tM tam of der Nab. fTb paYeaat aattgle teatrttas Barowa has wt tdltWd a padtaw neat lauarraJ See eentraet aouarPtta for alddertd Nlermafon rbrtt rrOeYtrerA, ifarh. reptid nemlmiort of AmarA Fionced Anaat Fetarcel $ Sa nt It1 Anoam Ylv++iredly nloneeva 8 SettlertarA St 121 Arnaret pail a Bertevnls eeeant I S Staarrtat 1 131 AnuA raced by lydtr itv 5 S ~ N1 Artaan pad n ahn an Banovrets W n prib: offieieb , ! Staemax 01 far aedit canna S id ro See Sattleaaat Sutaam s Idl n a bl ro fj IA u 8 W to M to ! fl to a Pnvad Faara chap a IterehaAan N Aaautn pdd a earowa a tM Ace tM ben i wade Itl t: Sutanea f~l >? 131 a scledrdel late ctrl prepeYearA ro ay ++Y repymem a M bsfiro th L tai and pataltlu. ' n ~ aM~ papaot arwrts b th Credlt Intrsrarsoe Ia Not liequlnd. Borrower Map Cancel Cndk knurartee ex Any Tine tMtfrout PeYtrarts itdrdst dr attrwt N IM odic Penalty. Credk ufi Inuatta ad Credit ObabNtY Inrratn an eat rgabd ro obtab aNN. ad wi! er b, presided ttti» tbrrowa bwraaa praitrtb B applalle, ctrl signs bebw and alrw ro poY Ate aditbnN aafd. lasteatta eegr M ptrthoeed on Ar fAe N en a is Beneseas. Credit 06aafAY asstarra that Aa iruaew vei eariea br Inuence meY M pudresed en erdy en Bortorva. n obte:ad tleaadr redo tM art N tlr itsaeece far tfa ariortel tam N tb uetlt b tla tam N tb ba. The n6mae stso staed bebw. lerrda nny reaive flrarretd benefits !taro tfa Bareeafs Iurane N . 'Bartoarer' Ma h' art M assurers tha aN peynanu wD M aui Co-bgbr. ~ ~ I wan Singe Credit lift Inuroroe whied costs 1 3,717.43 rpatue N to be' S'igle CeN1 lire I e I wan Single Credit Oisabiiry beuena wNeh cats t 5ilrtettre N Posen n M ir~d br Sepia Credit Dbsbiry leerrara We wem .bias Credit Ule Itrweroe stddelr cosh 1 t. ~ Sgrarra of Person a M Md ter .far Cro/t lift barrara Barrewer dws rot desire a Is rot elgbN fa uaQn irtaraaa: Silnetun o1 earauer fNtia ro Baroworld: Tla muinm sarraA of avaaee wlich iaeud Bsrraear(d wi raaln b at fertlt i dte artYiaa a taier a ayplcade. Dfrect Loan Note Index. The bdu b to conradarce and nferaree. It doll not lrtit tM rrawisp a cape N my pralreph a eaction. TM reubero rNa a tM paeprepA eearben e1 Ar Note. Accabretbn of 1M oaaadiep bderp„ t4 AvvkaAa of vaYaaaa _..___.__.._ . 0 ~ A»ipreram......_._..._~.__._._.._ ~.... 24 ...~. Attonup' 1eee...~..__._...___..__ ____,__~.. 2.22 NYroat Maa____.__~.. ....~.._.. 5 esperaAtlidu...,___, 2.1425„27.91 ~7+e in intaea raa _,,,.,__..__..~ ..._.....~.4.5.8,7.19 _...._._.__. G b . CIr w P~tp: t+lin _ _._._..._. ____..W.. 9 .__ celewr ~ ' ~ iazo,29 Celeetba e:pawi ~~,,,,,,,~ ,„_, , ,_ 2.22 , _ ~ ~ ~ ~IptMp exereet __ ~ B -_~. ..~ Crest hauena~„„,._..~ ~ treat ~+_....~...._.____._ _.~._~__.90 toeeeaow2 0 N ~ I,B tee na ~ ~i Defalt ,~ 14 ~~ ` eefiroerrwx ~` TO 2s Oipeleldrite-...-- .-.~,_,_,,,_ ~ EaMpel..a 1a ~ ~ ______ 4.6 ~1i+r._. "_~_ ZQ ` Irs~ra ~ ._ ~ a t.eaato dada "' zt aataAy ipd Mldpaa 19 West ran a e; a 7,a ~~ io 2,2 Iair ; leeAsfe rigk a riders daehs „„ 21 ~~~- OINACS/ 10225!10 ~ll+ 4 _ ~-~ rrleuhly paYeaa dirges 7 ~ t'eYrart OM 3 Perstsad nprxartta0trp land 21 - PrM+l+an fhotllr to 0M 10 2 ii "'. 2D of Mrowae _„ Rdeae N corky _ {j ~~ Re4eaf7redt CMrp f4 tl 1l.2Jh1 y a u iA i ~s ._. _.. 4,li,B lYd~ 12:15 EXHIBIT a !Page 3 of 4) " Pega 2 of 3 Direct Installment Loan Disclosure and Note Borrower: NAND M NOCNE>! Lender: PNC 6enk, Nelbrrl Aeeeaeosn Date: Otf04f2001 Direct Mst:eMrnent Loan Note 1. DefiMtione. b tlde Note. tla wend 'Berteeyr' mare eedr end r d these who 25 tbyt, bhn th deb el eeeh sign thh Mote ad eedt end i e} tba wb eMr»o de tlact seit'slr dishtras tb ~etq shape, lends wN tslctdste tb new peyrtwti 'Awwa 1~ dkeetry b 6erreanr.' sr°tea. Tb peyeea aretaM mey iacraa bl wN not TM wad'lseda' mesa PNC Barrt, National AsadoMon ~, lwtdn d dasmino tb accred el egad ntomNy paymats tfet waW bs a erry pasan» whom this Nm ha ba °emisrad ~ » nMY ° hf, by dr Maurhy Dete, the unpaid prirtgrl ielareca she is upoabd a N des a tlw peyaea ~ dm, a tb ietwat rm b tfbet a the Limo 2. Bonowsr's Prorrdse to P.y. To npey the ben 9nwiw prurmae b tb pkulatiee i beip urde. Lents wdl setiry Baro.er of Ib nom edrarKad anti paid a th rau Lender 1 84,000~,Opin lull. httaea ab6tb tb ~~ bebt~~saw ~.1A0 ~ Mpaat Ora wi eaeaWi uo Mamie fist Poya~iarywN ea be a~iw• t~lrn 5D~ ~jro Borrower promias b mete peynente b eteartbea wih tle peyrtat alsleb stetul b DAY sctrduMd Y Mynsnt. tlti -b». Bonourr Mader b MY» laedp M aerr areasea whirl wPrinrua. ~ ~ ° Irttenst. iaanst i3 ehwoad a a defy bale, ertdu tler esmt of tM Nob, bthrirp, if errbobk Crodb brrar+o Chrpa ad Coats of CaNsttiei Borrowrr epee b web Mtonem et tlr qua rm k~pal~to tl~ie s~e~st rote in ef~het onottlumt ~ i~pd > ~amM of hdonladuh wr7 pw rtws~ro B~orro ~» ~» t~ artan ottrr P ~ ~ 4q plunder year. eonowa epee thN Oaeewe nt~irat a ealp and on a defy sanbrnet Hof Amorists paid by 8aroanr w tlr o~iw tl~ie Mi i etli' adla in Nr awM PsNanwi rpdt b Ias by ~ ~~ lab. if eippesN4 a lue rirpN: 3. PaYsreent Schedule. Bor-owa epras b rer ro laai the somas due under Nar. ©b 4bd morNHy Myaeas: 119 payawns H l 91195 srN e DeYarwt. wlich wfl b hNed by lsredsr, of i renriiM nepeid auead. Parnrems wN due a the ssn dsry el eah math tartinp a 091012001 P s will canna teal ei etttotetts Qa n pid. is urimwrtrptsd rrwntldy wMrwrts, eappt fa tb moatle sheanc lsndor.~o} soMnb oft srd a fiml Pupnont..difi .~ tr bled 6y dardr etuninpr~rq urgeid eworans. Pspreep wN b due • the sac day of b dues ~M tlr mouths of . PROYIDm, NOIpEYER from n peyremb eaA pu. ~'" a sipb peyarm of 1 ph» ocaaed fntsast cal aA othw due a ^ 4 ediNert. Mbr b tb artalt of tb Drs sdrdlod peyurat a weed show, ruerah a ehe~fan~ a Ih w4eid helraa M Mi be re n b saw dq of its dm Mat the irteljeyrtsrM b sdeedded b this esalrgh b b des b alNd t 'Atuhslq Oae' of W Nap. N fa-eerer abea a pardeeey Left bssenp sN t Moets n caaal Mw Cradt Irrtrarw. Mw Pareses StledrN mey drw+e r dssaibad b t Cradh Inaena' Oreysrh. 4. Verle6le Rue. Na ANfeile. Q Tb :erect red a thb Nub ~ ~t ~ s fn~I(Ne laeraet Nm Ieda rkdea'I. Tt. du,el le bwd on thtte; ar Nryln wi n:,°(t, ;k'; ; ~ ~ Mn"w fida~e n ~ ~ y tti 'Bmwefs Prwtda b Pa1+' b ad 'saes fbta' Tlr eaa Neese wa sd'!n1 tb kleryYe b Mw od9itel ktaes, eta the sWaaeeap Mr Aeeeeweia f ObbteM sndfw Ote Cli OkaeerM, fl gritable. heena tae s4edeeaa w sdbYrp tb Mr9hr b de cerem Arles a tb tier of tb edj.ew.r buijoet b tbw dN~obee.n~ '~ ~ "'~~ 1M Antawic M•eset rla monlMy, a the fees ealsrler The ieana ra» on tfiu hr wry b egrbH each t:sbrrar meed- M~eiq b it o m ~eed~ssllto+~6 ?I" Mruaape tsbas 71r brs rewMw'N" 1kb9 en th 4a b ~ Raa• seetleo q 7M M1r Aew.bsw r moah. The bda b e ~ oa which Mr Prim Rnb b pi9dr/ ie tlw Aai~ ia9 aep b b erttiebb, litwer ie1 sebet a ~rr~~ by Lsedr a bra li tM yee a naoeib IesIA b oertparsbb b th bda~The a r~ Wr's sele iecraao w dotsara etas the see IabafeM pier b sty etdrewr~ 'a' "'N ea itereea a /aeneee mac tlat fiw Mrweepe peim /rip Mw taae N ~ brt due b as~prrt « met ~ 1 DLtwt~wt ic~ad h • terwitala of des AabawMc rsyrea rln aaaesJ The rwal Interest saes wN root ua.a 81~1i~~ ,a krM ie Mee Medea S. Automrdo Pryseeerst Pon. ^ Na AM9eelb. ®6omiar oedwiea beds b 41uet tb payrnataa on Mb ba ken Berterels rhrodt attatonl teals 60019)7652 as adt sebalalel peyrbre des des., b i1rNt rm pt tlri I°'" rer bereea h oa5o PMantpe ~eY~ I'fltdereolb f4reea Ra f+~/eaon N tb teeoreak laYewet plen k IYwle ngrrd fur ~nt'I if any Sanwa efaaw ro termkre» M„k+leeiwr MI tb dtpesN +~eeeeee~t idsed6el~ebn bd ektoad; a lel H Mere an eat rdNtbat ftueM n ar atswa r etch tb fu1 rueraNy fwyrea ae three parrrem dtpa. f. Club w Pndtrpe Plsrn. ~ Na Ary6estlo. ®Berrers's tb /aetye of keMrbp eerrdoa btoaw es. a b a paiW erefer of a efrf p b die flute way irrenea ~NIO O PLAN Tks blwet saes a tatigabr b 1Ne Patkapa Plen ar Ckrk Iseatele tr0io t CY Dheeent'1. i Oder b dieoaYaed ka w race arweae ~ltrrepee slrerrpe uses de rem of rho bee oaapt a sbaed b tb rsry ieereaoa Qa w91 M dweaH N Orrerar brmaelat b MM Club a Peelap Pla ®Aaaretls -alget lW feels wN detarrie the seta of gal ateraNy /elAtreK Met woW b aliit b ells w 1wt l~nc ~ ~ q die ~x~ b ~e thet 's egiaai a b 4r ea tb "'N ~h' 9wrasra of Mw sfhathn deb and nawa HM ~,~~ ~ reeds ^ ~ b Mr baerea ruse ner wta tlr cries of pperab b efretpo sedla tb ~ier N v rnriea~aa wl6~lna~ a tA~it ar~wrlW ~r 9eb. YN rreeasy. ,~1 0% of ~ aAoddN ~ NYaea. /Meats v set b some are ~CMepatl bb dr Maat sae ary wm tM rats N peyeeeetr b s1rM seller Ib e deb N roeoaltp ether slr dw~dMe N Mw 6ra~nadrdy~pep~ere~~ >~a ~ N +/14a1k wM soar aeory 16 easels Monelhr. Na wen iw K deK y.ei yes yw r'owraseaowa wN rues rhwgo basses of ebeMa in the b~dac~~ H the sawaa ma an ttrs Naa srdbr bb payments wi pea tb seat of 1M fe~dl aYn~ra ro flee' stetiord, atfy chi saes on tW Mae an dupe beeatea d duuN. If th irtuest seetioN, usrly srdhx bb dw%.S in tb IMu Ise tb 'Yxiutlu Rm' fml of tM NYerras Gf W aetof ~ arao tb erreba of puyerras dra tb srowrt b sndla tb snrrea of dr fwut payram ro ehsgo', a ssiioet » tinnpe amy 48 nrralrl 9. APpDption of Payments. lands wrN of IaoraY: uedt imrsRe Pte. if ~' MYraat in th foiawiq or/or the reeds Myerws wil M ~• bbna, bee drr asth 'w~tlro~order~e whidt aee6ed ro Md swifuerin of se~hed Md paiy ner~ts shy thry bwsmu due. a 1a0~Late~pgrye, 0lbl APPtiebM. ®itortewa epee thet lender may eerraaa Im thrge wi~b tM ~ MYnMa at ~ b ~ witAin 15 dap of i» due daa. Tb Va»r of 120.00 a 6% el tb reel areowa of Me peymsa wdddt wa aK Doll b hf. Ne bb tdtstro wi M duo, hrwasr. H the man that tlr ~~ btwta, ahs dsfsdt Isl » • lee ekerpo aseosad a a pries paYetat s Me man Men w bra h Banwsr, dr eahe aetstooie j balusa a dre Ned B des. b ddrpo wit b beats fa aey sipb sdrtrded MYewra. bn 11. Return Check Rue. Batewer epa ihH lends eNy area a fa of 120.00 ho if Bemww wia a peyrewrt wNh • duels tla i raund b tlr trarea br 'w wfBdsrt hutde' b tlr aebem a whkh rho cluck i wrhssn ~ 1 s. Wedw- by tasder. H earowar ha merle a make b Mw Wttae aeetlw ba ~ e9reeerat tahlt tttttder. Lady ni61e ebteb a eetarhy Mast w the PMeiMi tkre6kp H 9arae.,a aneotr tda b wane tMt etbr Ian epreetrrnt Thet eearMy epraatyet it she el~itltr Mn~ ~~ ~1 aewa na edr Chet other ban e9reanea be ~ ri1Mt a die a eMe"eteb of errower whh leader. reeler weia 19ha up1 erry seetefh bterat b tb priejpei dweitp of ell Mann b scare chi ~ Nob aloes tb aneih bbnq b spedfee9y 1~ b acre Mies Nob. O'aeerrt ~'.~ Ytbrat eat Aao~iaa~rlty end ,krdOrea,yL. 0ara pdd0iw by +ro~hle edJuwd Melded b thb Nob shM eseaiee b ettree a tb bleep tees pey in tut come Nbr h oMtswisl um.d ~ ertdrer N Bwnr.r bcsers a dicer ~ as ectbn Olga andtr~Ma a tea„,. tree H i reacts goiut Br»wa ler Me awtuau des. If a irrsne~ eslealr ~aaxe~a M ~~ b nn oernattaa Yy Inc, taemt akok b thh eqm all at Wrra Nan ea elrnpo, dr b~m~ wlrrh wM ~ Nom. N Ma inlena rao on Mis elides f9M by lae/or sial b rho iabraet red b Nhet~Maa dt~d amthe~iaasst rn mdl b tb 'Bwroteerrs Prsrise» Nay; rMehuar i bee. C 4. Oefaeek. w sae b thin ferslreplt nom tam '9anwrre-' inekeba Bonowar; o~Mahrs, 9uaeutas, eteatbs. srpi eth comer of McMrtY wNeh i rarity for tla No».I Bsnwa eel b b bhh: IaV d Beneaeer dat set ssie eeY leleret bMan a a tb deb k b drr: a nee, baneernwo bit b bur aey M~a urdo ie chi Na» K dofeuM in any odrr gearttt whA Lsrdw; a bmb sw p~wa~woiy~Mra ~' slneraa a e ttwrtpaN soturkp tld: Nan e ~ traio rot b aL jw aa~nr «e ~h ~~ wnN9e er teaeNy btreet er Naa o bq~, W ~ ~ ler ebbieod a sewk- feysat ro sun tie W d Batsra hr reed wahr a rwaraMe tier) a dseboyad; a aMkadea ar a/ sdrr taaMApb dstaeat pbpp a nrNb~ a th aefa M eron b forwt of irrerer a arty ep of theca N Mwn i man tlar urs: s Id H Barteeuar prueilu Lair with Ales iutonerMort a for9N ognarua a sq tin; a 9d H e e«ut e:u props Febfaiee d do a tirde the Sarcomas, a any err of Mrw boalradli~lae~ b btirra tltr dr escaper of fbrrewsfs oeybo thi Noss If Burraeea b idMwh, Mr aaln saaafep bhtrreo a this Nob dull M dK a Mr olMasi tb lauds. Thb wi AMpen wihsut any prig noon ro f rpht b cao. nape a uby b n*ied by bw. Barowsr wN i b b bfwdC bourn, ~ + redeem user peat par Bararra's debts a tlsy 9d Hay alisr aedlta ria b Iyei prseees to cab any atsry a property at 6rrerar b tla leelofe pauaairt a f4 N Sanwa iba a Irdutrfey peMYa r H anyea iba a ir.kntan, bsbrMgr ~~~ cries aw esoipeerei w tb larOt of uetbrt a soy wpltaeey; ~rMWrprena4w~dbyoriplwt ~~ of N H wy M;o1.t. to fewl woie~ai dwgo sr trr Iwy b 19M a wrk el asaaeia i lead tpeirt weerrra. iPage 4 of q) Pege.3 0} 3 Direct Installment Loan Disclosure and Note ~ PIVCBAIVC Borrower: RANG M ROCaEY ~ Lender: FNC Bank, aadeed Aeesiatlert Date: IfIf01f2000 Dkect Installment Loan Note-conthwod If eny ewm kkturihed h Q-, Ikl. IB, lad a Id heppes, dr aen outaatdry beketu m the Note ebaN !M bmadetiV due witlaut soy prier noon ro Bemwa, a rips h core. anp r mry M respired by bw. A defarit kY Borrower on fhb Noh b s leferlt an every other ate. lore a epamem of Borrower wiM Lender. 15. tisneral Walwr Prodelone. Berrovnr wan preseranurn fa NVaant. demad, protea, ratios of peresl d'alrror end eB etlar uotioa r inrrrit in caaactloa with tla MErery, +aeptntn, perfaroann, deforit or erdortsnsa of tlis Non. Borrower tertlka wan ary riart to requie dra dllputee ~ cefsetla M Lender. 18. DeYty in F6tforosmsnt. feeder wn debt' afari0 any ri~hh ceder this Non witAart ~ enV riper:. leMer's faire h eMern eny ridrt rerdn the Nae :fall net ett es a wawa of flat rips or pradude tlr esatia of tlw tied ie tla event of a futon oaurrean of tkr torero seem. lamer ten is esteM the tier dewed to erkiq peymats, and wkh ataaion slgl kra Meet rtes abypetiont et eq Borrower. whales or not thet Bonowa is pwn notice of th esteraiort 17. Releene of Some Borrowers or Some Sewrlty. If clan b more the one 8arower, oak epees ro restebr hood by fhb Non, Ntloudt herder eery rehea any other Borrower a rekew a abetltste enV popery wfidr b aeaity tr tlr the Neb. Barowa wive ei deMwt hosed a warysfrip d inpirrant of nEatai a ataity. 18. 9ecurlty Interest Charyea. Barowa span ro pet' ay recad'ep, fiq, setbfaction erd ertdsnbrern less whch met' be clagN. The rsr0a en h racy tender ler tM leer peW ro pktlk offirieh ro proMt, nmkae. a nlnee eny miry ikaaea given in th acairy apeemmt a rwrrtpee, 19. Prepsyrrpnt. 8anwer art' prepay, in hdl a in prt, the aware owed en sit Noh a any time without Nnity. If Berrorver prgsys tM Leer pert, Borrower contkaa h srke repdaly ttlaleYd Nyrara uni ell enrorerts due under the N tae en D+id. 20. If lender Obtains • Seourny Interest to Secure Barower'e Psyrrrnt of fhb Note. Borrower Makes tfre Fopowirp AddltlonN Promises to Lender: lei i( property imaeen b repaired by a nwrgeoe safer ageity epeeram to the re0aynarn of thh tNa strifes N lbod iaaerw's repin/ N fedri hw, BORIIOYYEmR AUIT DETAIN THE INSUNANCE FROM ANYONE OF BOfB101MB1'S CROICE akitet h terrier's naahable Mpoei. N ibotl kroraroe k rtrpiral Reserver Me keen aM/~T is neaam cep u Nditt h pMSt Lwelefs btterate fb~od kearaw ~ he of tlr type andn the onaom rtnpitN Yf hlrri lest; la Banoear a prerkY larder erllsan of nqukN iaaraRe. AB priein rtaat sear Lender a s lea psya-axrred prtY erd nwa Previi kr a Yea to dryrs wrinen rotke h Lana of reluetion kr ~-sN w aeeef>nYrc lc! M Barewr iNb h keep M torn 1M hpired iraraa eridla Pais h provide aiderroe sl eacA lrrerenq b Lana. Leadr nay aaNy Benetrer river Batowr tdardd purcbea 1M npldnd bttara K Barewa'e tnpsna. If Boteearr ids a peels Ifs iarrrn eitkkt th1 twa aehd b der asses :rifer feat a peride eridara of tuck ktsrala to Lerch. larir say Mdea btttseaa h pope! taadels insert a ea ensm Ftmitted Yy a>~ Lew. sad tfarOe Barger tlrt test M /a ptmbea ari aY ~~~ n U~ ICAMLY IIE EXPE1131VE AND IWIt YMDYIDE 1E33 COVERAGE THAN UdBURANCE BORROVfER COUl0 rU1GIABE OTIBiI-NSE. Upon dnraad. eorrevwr prearba N psy Leech the seer of krararo psebael end othr eaaade karts try larrda. ltarewa ,pep Ilrt feeler met, if perrahtsd H epplkehY Lew. eN tla cat of ea iwsre;e ro ea emeurts ea which ieaeat Y dur4ee a ea rob provided i chi Nae. In tarsi stMa, tla eapinl iarerae ray he elhrad tiowA a fieeraed bterttaa epttey tdfiated wick leetdr. Tki +larf tti resale a ha fir P-evilin f tla n0uied Ytstrerree. M elitiert a ellNeh say ke rerperaile M sear a el of tla terdrlybp iaersae rYks serf may votive eeaperteetia 1r etetriq nKlr risYa. If eddkbari btferaralon b rorpkel r:ertcaakq kaaoaa r au dliae areaBeaaats, phae meet Camdad Cwtsew Andaara, 2730 lilerly Araea, ~ f A 16222: Id ro psy d reset der on qa edgaed. N Brarerrr deer rep pq fM tam, Leah ha ea apses ro psy tM tatea Upon deeaert4 Berretta peaiat preaytly b ropey h Lain arty snares: pill hV lerahe to teas: Y- U loofa pre • earity kttaea i stook w nekeiea, der sofa of i coAaai gay lentos IardRdem h protest tender. II that heppese Berreera apses b delve, ro Lends aldtlerri rbRetael wfdak Larrdr believes wi a eaeepk b past taller. UI h eBaw Lana tM riykt ro iapen Ua oslaaal a eny reeesttdle tiers, M h awaei the nfYteri is ~~aee11 oadoar end repeb: nesaabN tray eM ter eeterted; Ip it aenaate ere drerreed try haler trrrier tbb Nae a tea eefor rsrean, lender may, a fh aptlert it portrithd b ppNcaYr law. rid rtes atrem a adaand h der ataaattiaB bslaso sal nrtrin etpsynrm with brtena b inaeil tla ieulYaa Nymenh a tlat pa ouhterrikp piaipri lelrae b repetlr fd i M ~ :atelkrarrtr en the due der. sad i err peyarere tehdiM: eM Dd Batoen/s preraYa nrde sari leedels dprts set lertlk n edt aces riven nest ti ~ edM eny lolBment i erw Igel scion end ir1 +pph roi si aaneae owed an pill 21. Lender Msy Slprt aonower's Nsms to Ineersetce Checks. Barowa pre, leader ere rifts rd power h sip Iarrswers eeea a tray dads a dreh from a bwena tsrrprry. fls b Bedad a e eMdt a dMt i governs of returrd pnmirera, berafite tn4 coif late aaerree a weft dheliq iaaaa. and eYfaa ands the' lea. Benowa~deee~ita~i ~ dlld te, errd eBr ~ B~irres~.ri,at~rwekea the ptwa c lrtdr ro ttttda Bansoafe atdramrtt. larrir may vestries tM pews a LereYrs beaelN eel ea ter Baresrefs kraRt, esapt a eerwYe pwtiid a Yw. 22. Costa of Coauadort. If taller tier nit a tetra stbrt b nlar dis kta a Lesdels eoehaNaerd a de Lauder': seotaity ietsna h A Berroeer epees ro pry regafa ro ds a, n lender b pernithd M eppiesbY lsw ro repro Baroera a Pel' dress teen. Uriea ne:b alien it talterr i Ohio, fhb id iedode orkM ahraA' htis red etperoes to tM nafeem mmtt pen~ttsd M ~lirstle 23. Security Mona, in Depoefb. Tlr Lender ary nn•oa erri ageid under this ba epMMt any of Borrower's raV eraorras der iuebda lay moat tvbith a sees a n~M a deposit with tans. Rix Borrower a tekk try adepeega. ism ie tlr firaee br Igerihd wiM leader bf property, rndits, nrkarilia, a mores ~ _ ATM rso krkda my bhoM h a Y tb peaasioa of dr teadr. fhb met' 6o deer h~oor ~ ~ r~ ro Boners. M~ eiapnmerrt. Bonorra rent' na eesgt a olMrriee trwfer Ns ripkls rdn atyare eMs. terrier mry arB. trarohr, a eetiye qis Note, end eery seeaity ~~ ~. ~ ~lac~~ tMte. red Bonewefs rippx and 26. FMdgple ParWs. N tfan b tan tM err Bareaar, esh apses ro be mNat~h ro lerrder. ~rrBy sad hptha, 1w peyrem Y ftf of Uit Van. Barewers spa tlrt plmnR of eB er pert of ea poaNe e! fhb Nob to say Beneeer a b sagas ela a tla istia sl ary Berreenr wil bt dr e4irdem of paysraa ro eeth Borreeer W for tM heeeRt of aA Barewen. 20. Credo Ineursrtoe. N Borrosw ba eYebd m purdwe cnW iwaeeu, c~~ ~ tnai Ua iaaaroe x e time ralar, the Lae awBperi aN ~skown is tla'P rrdd~i'~wdl net deaeae; h NYmMI M 1M pintipd beYaq of ~~ more of er peymem veil ke diaetN 27. Hein end Personal Representatlwe Bound. TM prwbioue df this w e~ ~ ~tde1 eNn dr Bemwa, ad Ne heirs sd'ereenl re0raentedKe ei 28. OovornYtO Law end Conotnrctlon. TNs Non ka beep d dW Nwwte of Bem~wel::~reMe~ece a~urhjleee a~wia•" Benstra rttbeitlN a tMftafNrl Baresar epeN Ura tke Prerieira of tbY fiYte nwlw, a hoeretl ehrp ell as sMB M prarad kV trri rartetttad i erxorlrn wish Udrri 4w errrl a arde eppinkle br Ndri Iwr, hwylreeY kw. lleha f~/te1 b frtdrrd Nr, elAst tt6aaatleo tome cal prerirhta shah w parrad h red tsannr/ o eaadrtn wAY dr hw e} Fesasypedp potsdstd rnaers tttkeir b tla enhnoaant ri ea edlpeta evNtrtte/ h the Noh erri arahn relsbl ro eo iM perlstion eel ealereeraera of . aewhy irnnea sernaiq ride Nst4 a sty, tier p /waeel b Mw hrwe of flu aan wlrre tM eaaewnnR PeaM1 a pnfiedee COMMINBC~6YTi0N8 CNI ~~ Debts. ALL o16FUT® 0®'Ta, tNCLUDiNBO Q°Ai~ TNS°TINIM~t~IT' TCglpAg RlLp TFU~tLQED ~USTOMf1t E LAaSN3TANCE ULT730 LIBERTY AVENUE, FITTSaURGN. PA 16222. 30. Credit fMporto. BORROWER AUTNORRES LEIIDBI TO OBTAIN CREOfT IEFORfE ON aORROW61 FROM TUNE TO TIME AT L9dDER'a DISCRETION WWLE 60RROWER NAS A LOAN OtiTBTANpMq WRN LpdDER. 31. aWY10WE11 ACKIIOWLEDGEfk RECEIPT OF A COMPLETELY s~Niroww~ERTMi-o~ Tn ~au.-0~AL~iY 6~oL°F c aalm~io THE TEiMB AND CONDITIONS OF TNIS NOTE. lash of 1M 8reeeren preraea tYa Ih :apogee of eny Bosoaer Y pMeia. ~ ~~~ eft Silaaae M Oeh Borrower, srpraae Om 32. CO•MAKEi18 8EE NOTN;E TO C0.811itNE81 BELOW. Ave. Bateotrr trhes dtsMaaN a s Cak6ber eyrea h d erpeiy oapetaiY wYb ei sir Banowen fr the peprwt of tNt Yes ad pafanann N d preaips i ei ass AMeker's SipMtre Dah r~w~..•- ~~-- NOTICE TO CO-SEGNER You are briers asked to ptaraatee Ihb debt.111nt tardulyr before yoo de. V die Donowv daamR wet; you caa afford to Pay I! yon Mrs to, tend that you want to teaept tble ~ M° ~+ y°U °~ b,ve to. ere eau, wh~LehMiacrsetee~thr: Paaaaat fh0 amoral of the dcht K tM Borrower dea~~h Yoa tM' she aR to pe1Y IMe fees or ootleelloa The Caroller caa co6ect this dept from you wahoot 16ot tryla6 to rxaeet fYna tfye Borrower. 71e Leader can see the atkroe aolleetfea a ~ ~c~ ~~ ~ a~ W~ ~ T~n~Otv'er, wch r mhr6 yoo, sac. I1 thfe dept b exrr la ddYalt, that hct nest hoooare erow~rnoeae.oro: iPage 2 of 3) `33~g Mortgag ~( (Closed~cnd} ~,~1 THIS MORTGAGE is made on 0010412004. The Morl0a0or b RANG M ROGIEy. If ate is moo than one, the word'Mon0a0or farein nfen to each end aN of than. The MortaOee is PNC Bark, National Aaaeaadoa. The wad 'Borrower' means RANG M ROCKEy . If than is more than one, the wad'Bonower' herein refers to oath and all of them. Borrower owes Mort0a0oe the sum of EiOhq•forr Tbeasand DoNero Md Zaro Cents OLNACS k 10225910 { ~IlI ~~A1VC~. ~ ~'~- IU.S. ! 04,p00.00 }.This debt is evidenced by 8orrovver's written oblgafum Interred d hoots as the -Nola'}, dated 0/10412004 . This MortpaOe :acorn to Matpapee: (al the repaymem of the debt. wideneed by ttr Non, with interest and other eher0es as provided thareirc (bl tla paymem of e0 other corm, with interest thrsraen, tdvonced retrrdu (er the payment of taxes, ossessmuns, mmtenona chtrNs, irtrranee prem,un~ e~ costs intoned to protect the security of tfiis ~0!Oe; Icl the payment of cep of MatpaOa's costs of colMction, toss of suit ant, it panrtted by law, naaonahle attornya' fea3 end erpemos, it suit is fitM err other action u taken to cMloct tM sums owin0 or to protect the security of this Montpt0e; Ifi paraum of any nfuurrda` subs6Nton, extension, modfication, aadkr renewal of any of raid indebtedrsss,vrereat, cher0es, costs and expenses; lel the pertametue of Mat0a0a's arrdler Barovver's avenants ant e0nerrsnts larder this MatOap and tM Fbter and Ifl the repayrrsnt of rtes debt widanced br any ron a a0»ement whkh wa »tinttcad by the Note, to the extern thq such debt is owed to Nknppce end has not been paid. For this use~rrren ~^' ~ao~does hereby mon0ape, Orax cad convey to hbrt0agee the folkwvirq desuibed propenr, tognher wits aU improvertrents now or Mreefnr witted, nd ell 0 appurtenanns thereon, ktuted at and krown as: 423 W MAIN ST MECNANICSBURO BORO PA 17D55 CUMBERLAND Recardiny Data ~_ rd- 2~ 3 ~ Dead Book Namber 256 "` Pafia Member ~ 3676 Tax Parcel Numhar 20.23.0567.027 Lot and Bleak Nuatber NIA NIA /y}aC (. ~nl~ `S L ~ Q,, _ o ,~ The word •PropMy' honin shots mean all of the fore0oin0 rrortpped properly. t , ~~ /J Uv ' vJS To haw sad to hold the Property unto tls MatgaOea, its suuessas and ossi0ns, forever. provided, however, tMt if Mat0a0rtr endla Borrowwer shall pay to MortOapee the said debt, intereaL and eN other stnu end perform a0 ts-venants ant agreements setxr»d hereby. then tHs Mett0e0a ad tM estate eomnyed by it shah terminate end beans veil. . Waneary of Title. Mongaga werronts sad npnsents to Morlgapee that: la) Matgeper is the sole owner of the Properly, and has the right to rtrortgoge end txxsvay ds Properly; Ibl the PropeRrtyy rs uneneumbeted e:apt fa eneurrrbranas now recorded; sad (ct kifon0a0a veil defend' the title to tM Property a0ainst ail cleins end deeenda extept encttrrdrances now neadad. Covonagte. fdortyagor pramaaa and tgrees as fo0ows: is pen of i ~ ortwintoin the Property a flood ceder end npap; (6) MortOapor wit amply with aN ktws rapectinp the ownasltip endla use of 1M Property; tcl If tlq Propny platrtad unit devekpnsrp, MfonOapar vn'N tangly with d bylewe, n0ulationa sod nsuictkme of need; }d} Mon wdl under ony rturl age, lien, a aeurity pnemmt wbifi has priority overt 's Mat IN Mott wdl papa ~' artdla ~""+ PropMy when ~ and, upon Mortgpoe's ngrest, wr7 deliver to the Mon ~~ ~ or atue d ~ pent ~ taxes end otlNt eher4ea psewd a krried eo the nraern unpid, Mortgage prondses to obtain and O+IM »eerpts Pf~M of ~ ~~ Ifl Nlhila ray pert of the dead secured by this Mortpgs keep in fora Aropony inwreaa anti if ro4ird by hdaN bw, Heed i an the Propony The pnDerh lastrerwo stmt owalNsisa of or domaga n the Property end mutt De in an nsur w ant to prodct Matgapn's iaterosts; Roof irtararta arst be of th type trod in tb amount required w fadanl lase. Mortgagor agras ro provide Mongageo avidata of ttapred inwrana. AN polities must name Mon rotka d Monpogee of roductien h cwerago a eartceNetion. s 000„ a a kiss peyaNset:rred party end most provide for at keast 10 days wtftdn company and to apply the ~~ ~ M~tp~ee ~ right cod power d sips s tiaras on any deck a draft fray on ktarertce ngruy to any debt seared by tlds Mo Thu a Nert' ed to ducks and drehs In pelRrrau of a o order an iostrana policy fa kris a dosage to the Property a for returrud a rebated praraans an poGr:ies ksuring the Propenr• Mortgagor dos not has the r' to, and prow that Manpapa wi0 rot, ravako the powu of to make s ertdorsarratt. Mongaga sap aertia the power a Matgape s basalt and rot ter s benefit, extxpt as othartiao praridad by law; w tt r fails to keep rn a the rognl-ed kutranee trtdlor faNs b provtda widens of strdt imurana to MertOegae, r may roily Matte flat ~OoOa tdtor~ ~° required imtranea at Matgagor's expotue. H Mengaga tads d purchase the irtarana widrrt the tine :feted fa the rstke oadfa fob to proride outdoes of wch kuttrara n MattUOee, Monpapn may purchase auaatxa to protect Mon~a~e s krtuost, to die exdrt permitted br hw, tnd cI~ frbqagor dre act of du and~rry otiur amounts Mort9apae ktars rn the irsurarea. THE INSURANCE MORT6A6EE PURCHASES URLL I~FICANTLy MORE EXPE~IVE AID MAY VIDE LESS COYERABE THAN INSURANCE fiAORTOAGOR CO LO PURCHASE OTHERWISE. Mortpagae asy naive naeonabN angerrgtoe for ifs sarvias wlrch Moh nquind insurona on is behalf. In eertaie states, ds ngldnd kutueace be abtaiaed NOoa providq o olrtairinp aaryry receive a ha 1a 1A°T dt-otrplt • fiartnd insurance affiliated vtatb Mort e. Tb's orrdl providing nquind hurrana. In aditioa, an eflNim mar be rapoturble to sortu a aN of du uuuenarisks end ~ ~y such risks. If Mortgagor fails to tarts other dory or reqund by tlsae Cevenarrts. ~ neetr• ~ as>tatiag protect t!s Propny andlor its r' s in rho Ptoprty under this IY ~~ ~'' a b ~e opt ~a such sums as h dearo naatsay m therooa upon demand; fhl Any interest payaftle to Mortgegr after. Mongager agrees to r~Mongegae any anaoats adrancad o aaorderree with this veranaph, with irtenst Hake roasarsfde aortic: ton ant krapactom of the i~nt it eaters/ a an wme atkrertad shah Ot et th race pavided fa h the Note; NI Mengaae airy imtayrtsM Gale cotrrtxt Mr tbi cant of a0 a ~m ~ 0Mn0 ~n~a~w prior roils of any suck kupatiotr~Morgapa wiA sot say, traMu ownontip iR er anew inee nr ~ erM pert of tM Properly; end (k1 TM poaisn, epeemettta ant Mat4e0a steal be binduq t~ert and berrtb auyate to wMn seafonP ~ny or this Mortgage is t-naferred. If more flan one Mengpa~ MorlgtrAe, each and of et~dsmeran Iroand'ardividtraAy end dgetlur, The coseaerNS opde.ie aria Monpagee'a remedies set faith bebw slat not merge withh any ' mitred m atryr krgd action and shay apply until ay amaurtts awed re pW ~ tn0. OefaolL Mortgagpr wN Eo in defauh under dris Matgpe: la) if thus is a dehoh order the (tote; Ibl H books any prortisa made r rtes Men des; (d) if any odor creditor trss to tale ds Property by legal process; Ial if soy glortgaga Nos bank (- ~qry +O~t anyrlde~tt any tae yen a Ivey is h7ad er'made agoirst coy Monpger a the Pro ~ or i anyone files an rmol ~~ rf seitod or eorrdartrsd by federal, state a kraal pvaaatpr. ~' (0) H ~ ~OMa h° rsda its fala statanunt in this MortOege; er 1d ' the Properly it a Morgr/ee'a Retretlra.~Urrlps polebtod tit law, if Mortge~r a in defeuh radar tlio ~poyabb th entire unpaid balance of dn- was which an secured br this tt0ortpaga ant eft ~e~~Mort~~so detiras secb~erra' rd,~elrop ~ ' ~ ~ 0o1M nay tab possessiat of th PoepertY sleet ony and aN tents, oar said rents d the ' stirred by this Mort #~' Mon the Mortgpe as pettrtitted or provided by law to affect ds halona owttp. ff a raortgege faodosme anbrr a alter otfur ecdon~ if More~qu talus any action to preset a errkra its iuerast let err amt, irrekxdsrg•Banlrtt~ley Carl EXHIBIT inekdmp, rt panrtfed by kwv, reasonable attatsys' fns to th mexenum extent perurtted by Isrr. ~ ~ to pay to Marty . Rimedia CunwWiw. If ony e~eeuntaKe exists whisk would permit hbrtyapeo to aecakrad th bsfanea, MonOepee mgr t circumstance eontlrnrea to exist. Mortgages': ransiK under this Mat0a0e s1aN bit orrNMivo oM rot albnatiw. Q.lay is Esfarasaem. Matta eon dstey in trrloreirtg any of hs riOMs eder this MonOge er rho Note without ktaip that r' of the Monpage a tM Nate will not ba o wwu of the carne a any otter provisos ~e ony otfstr aecasioa. MtlptaNSL Mongapae may sou, tratsfer a ~ ~ withouta~s arseru. of this t$Vbr~t~ lily. If any provisiat of this Morlpga a to be ' td a web tlattrrtrnetion rtes! rot aifict flu rafidity err enferpabity of tlu remaiaiag prtvraisrtt WITNESS tls ' of this Mongags on fir dots sat forth above, krtendhrl >r b MOaly bond. .• ..~: Wiznass ~~ ~ 7 3 -A nNlgii ' !FORM r 10323-0e0~ (Page 3 of 3) w ~ ~ Acknowledgment taken In the STATE OF PENNSYLVANIA, COUNTY OF CuMB~u~ On this _~_ day of i A U 6 'aZeO ~ • , befon me. ~a ND TAw `/ tatdarsiprted officer, parsoneUy wand Q~,~ M rQOLr iC ~ t/ ,the known to rrta for satisfectordy Drevard ro M the txtrsonls) whoea namalsl is ianl aubscr~bad ro the tmM mstrtaaent aal aeknowledoed that htshefthy ereci'itad th ~fnr for th purposes thnin contained. •' .. •~ . ~.• ~ ' `; ,(~ .` I'' ~ In Witness Whenof,l hereunder . ~, ~. y ~ set my hard and official seal. .:. , . ,~ va:,;. , ,.: ti~ ;.~, . ' ,." ~. Sipttahn ~~, ~_%~ • • .', f` • !. ~ . - Tide - II~Q Tl4•fL.f•~ -r,..l, . i'~ •1-,•'til• :~;~ ` Vii' - I4-.. ','fit' ~',. i .,{: `~',•: .v . ~• .~•.p... ,.`~. ~:.~ ~+r .Notarial Seal ~'~ ~' .=.:• ~:..~~"•~ ~1 ~~Y,. Vicky Lynn Bo;ua, Nottuy Public ~:''' 1 : ~ . •.~ , a . :.• •' Mxhonicttwrs Baro. t]ttrtbaiaed Gunty ~, ~'....r..- '.1/ MY Commiaion Erpims Feb. 24, 11106 Certificate of Residence: I. IA ~?i:Q• ~,4,'~.y~ Pdernbor.Psnnsylvt~kssaaatlonorNotz.~ss that Mortpaoee's pret:ise nsidanca is Consumer foes linter. 2730 liberty Avamse, Pitts , do hereby certify burgh PjA~151l2~2~. -_ _ . _ . Apmt for Mortgagee RECORDED in the STATE OF PENNSyIVANIA. COUNTY OF , on this ~ `^ . in th Offin of th Aacordar of Deeds in sad for soid County, in Mortpege gook Vokero day of WITNESS m hand and th sad of said office th aM ' QBQt y dsy year atonsaid. Recorder - 1 C'crti fy this to bz rc~ori~cd l n Ctln~b~rlalld County PA ~~ ~ 0 O 2~ v .. m_ w=~ ~ tS ~ .~ C fp ~~ tnira~~ m 1 ~ s7 W V~ 0 Q Dye a, ~ <o~ tr+ m - c~ __ m ~ O O N m ~ a -~ N N O n m .. a• '9K1877PG1434 1~ 4 •~ \~ . ,,.~ 1 i// .. 5~~~ ~ ~y'~yy~r Recorder of Deeds 0 3 ~ O O m a QQ ~ ~ a 0'Q ... . ~ `'~ ~• ~ T ~ni::, ~ ~ ~'1 C7 Ci 70 ~ ~ - + nt ~ rn ~ ~ ~ ~ ~ ~ O ~ ,, W /'~' r ~`' "' C~ .~ ~ . -< c> tn~ :v z c 3 a A S PNCBANK Date of this Notice: Mazch 12, 2007 Mr. R and M Rockey 423 W Main St Mechanicsburg, PA 17055 ACT 91 NOTICE TAI~:E ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mort a e on our home is in default and the lender intends to foreclose. S ecific information about the nature of the default is rovided in the attached pages The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM t'HEMAPI may be able to help save vour home This Notice explains how the nroQram works To see if HEMAP can hely you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with ou when ou meet with the Counselin A enc . The name, address and vhone number of Consumer Credit A>;encies serving vour County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housin¢ Finance A encv toll free at 1 800 342 2397 ersons with impaired hearing can call (7171780 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 azea. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IIVIPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDTTAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NiJMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARR UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME: Mr. R and M Rockey PROPERTY ADDRESS: 423 W Main St. Mechanicsburg PA 17055 LOAN ACCT. NO.: 040-01-8110225910 ORIGINAL LENDER: PNC CURRENT LENDER/SERVICER: PNC Bank,lrTA Member of The PNC Financial Services Group Consumer Loan Center 2730 Liberty Avernue Pittsburgh Pennsylvania 15222 EXHIBIT C l L v (~ PNCBANK HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM FORECLOSURE AND HELP y0U MAKEY vy ~~jj ~~~ ors v r, Y vux rivm>r; r'KOM 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. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "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 30 DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT' EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names addresses and tel hone numbers of desi ted consumer credit counselin a encies for the county in which the vrovertv is located are set forth at the end of this Notice It is only necessary to schedule one face-to- face meeting. Advise your lender unmediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE -Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Program Application with one of the designated consumer 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 TIlKE PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IlVIIVIEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. Member of The PNC Financial Services Group Consumer Loan Center 2730 Liberty AveFnue Pittsburgh Pennsylvania 15222 h `~ Pl'VCBANK AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a 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 FII.ING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date)• NATURE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property located at: 423 W Main St, Mechanicsburg, PA 17055 IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Monthly navments in the amounts of $943 95 for each of the months from January 2007 through March 2007 Other charges (explain itemize): Late Charges for $48.19 TOTAL AMOUNT PAST DUE: 2 900.04 HOW TO CURE THE DEFAULT -You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS 2 900.04 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAYS PERIOD. Payments must be made either by cash cashier's check certified check or money order made payable and sent to: PNC Bank. NA. 2730 Liberty Avenue 2°~ Floor Mailstop• PS-PCLC-02-N Pittsburgh PA 15222 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lenderintends to ezercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose uaon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON -The mortgage property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney 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 DAY period. you will not be reauired to uav attorney fees. OTHER LENDER REMEDIES -The lender may also sue you personally for the unpaid principal balance and all other sums due under the ~ort~a~e em a o1 The PNC Financial Services Group Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222 - ~ ~ ~PNCBANK RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at anv time up to one hour before the Sheriff's Sale You may do so by pa ins the total amount then east due, plus anv late or other chazQes then due reasonable attomev's fees and costs connected with the foreclosure sale and an other costs connected with Shenff's Sale ass ecified m writin b the lender and b erformin an other reouirements under the morteaee. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE .SHERIFF'S SALE DATE - It is estimated that the eazliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately sia 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: PNC Bank NA Address: 2730 Liberty Avenue 2nd Floor Mailstop• PS PCLC 02 N Pittsburgh PA 15222 P_6one Number: (412) 762-8048 or 1-800 878 0027 Contact Person: Beatrice Grates 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 not sell or transfer your home to a buyer or transferee who will assume the mortgage debt. 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 INSTTI'UTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTTI'UTED 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. Very truly yours, Arleae West PNC Bank, National Association cc: 1" Class U.S. Mail, postage prepaid CONSUMER CRE~b€$~~,~,~p~RyING YOUR COUNTY (see attached) Consumer Loan Center 2730 Liberty Avemwe Pittsburgh Pennsylvania 15222 > ,- ! .,a~: " . O r• ~A _ ~ rr ~0 ~~ ~ (A 'Tl CA i ~. N C r't+ 7 r O n rr x O a ~ ~ '" ~' O O i ~ ~ ~ ~ '~ ~ ~ Z b < ~ 3 Ti (D W ~ ~ ~ ~ lT~ N N \ ~ v N O ~ , N v N ---- 3 ~A 3 n m (D N rS _ _ - x ~ fl W ,--- i ~ ~ ~ p m m 7 y. o ~ ~ °^ r• 3 ~ ~ °a 3 ~nan, :o m ~• ~ ~ o Q ~ 3 y ~ ~ ~s cn x g '< I ~n rr o ~ x --- ~ tD I ~ ~~z ~~ ~ ~ J o ~~n $ ~n ~s ~ ~R ~ ;, ~ (~~.' i ~ rn ,,,, ~ ,, ~..' w w. rn rn, w , w~ °~. ~ S w ,, i N -- N N N NI N N. N. my~R~H O O~ ~ ~a- O O O O O O ~ o { N O ~ ~~ p o ~ ~D a ~ ~ 4 4 '4. ~ D ~ < ~~ ..- ~ IC 3 / • - C N m C ii ~ 3 tix ~ . ~ ------- - Z~.•~ + ~ ~ m ~ ''~ ~, nw~ ' m , Oeiivery Ccnfirmaticn I •~_.._ '~" ,g~,. .r7lt~llcitl:r~' :OrlfST??:c7t1011 ~ N $ A SQEC:a3 ~:andl~ng ' ~.s =~ ~~ _ _ aestricted Delivery ~ ~ o- --~ ~ R~tuanl Receipt ~ ~ o; ,,, ~;S ~~~ ~ ~ ~ ~ ~ ~ ~ ~ ~ N N N N N ~ .. ~ .. ~ ~ ~j1 N N tl1 tJt N (J1 .. I ~v ,. ~ Cumberl:~nd County Urban League of Me~ocolitan Harisburg .2107N6'~St Har-isburQ, P.~ I1I01 (717) ? s-:925 Fax (71~ 2~2--'985 YWC:~ of Carlisle 301 G St Carlisle, P a 1 "i 01 (717) 24.-:818 Fax (71 ~ '?3-:948 Cansurner Credit Ccur~seiing Service 2000 Linglesown Rd Har, isburg, P.~ 17102 (717) iµ1-17:7 _ F inW~cial Co~:nseling Se^~;ce of F;ar~clin County 31 W3`'St Wa;mcsboro, p:,, 17268 (717) 76.-:28~ ~~ 0 b ~O g Z W J a --~ ,_. hJ C.:7 r_> ...J .--.~7 ~} W -n c ,,~ ~~ '_i- T _ =, =< SHERIFF'S RETURN - REGULAR CASE NO: 2007-04885 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PNC BANK NAIONAL ASSOC VS ROCKEY RAND M MARK CONKLIN Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE ROCKEY RAND M was served upon DEFENDANT the at 1045:00 HOURS, on the 22nd day of August 2007 at 423 W MAIN STREET MECHANICSBURG, PA 27055 by handing to RAND ROCKEY 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 Service Affidavit Surcharge gle~rn~ ~~ Sworn and Subscibed to before me this So Answers: 18.0 0 ~~ 8.64 ~ ..P .00 10.00 R. T omas Kline .00 36.64 08/23/2007 TUCKER ARENSBERG By: day Deputy Sheriff of A.D. IN THE COURT O~ COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL, ASSOCIATION, CNIL DNISION I~laintiff, No. 2007-04885 vs. RAND M. ROCKEY, PRAECIPE FOR DEFAULT JUDGMENT IN MORTGAGE FORECLOSURE Defendant. Filed on behalf of PNC Bank, National Association, Plaintiff Counsel of record for this party: Brett A. Solomon, Esquire Pa. I.D. #83746 bsolomon cnr tuckerlaw.com Beverly Weiss Manne, Esquire Pa. I.D. #34545 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 BANK FIN:308853-1 000011-133120 IN THE COURT O~ COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL, ASSOCIATION, ) CIVIL DNISION Plaintiff, ) No. 2007-04885 vs. ) RAND M. ROCKEY, ) Defendant. ) PRAECIPE ~OR DEFAULT JUDGMENT IN MORTGAGE FORECLOSURE TO: Prothonotary Kindly enter Judg~,nent against the Defendant above named in default of an Answer, in the amount of $70,787.46, plus continuing interest at the contract rate together with late charges, costs of suit and attorney fees on the declin~ng balance computed as follows: Amount c~aimed in Complaint $70,146.13 Interest fr~m 7/11/07 to 10/1/07 @$6.0208 per diem 499.73 Late Charges from 8/07 to 10/07 @$47.20 per month 141.60 Total $70,787.46 *Includes credit for payments made on account. Interest, late charges, attorney's fees and charges and record costs of this proceeding will continue to accrue from the date of entry of judgment. I hereby certify that the appropriate Notice of Default, as attached has been mailed in accordance with PA R.C.P. 237.1 on the date indicated on the Notice. T CKER A S G, P.C. Brett A. Solomon, Esquire ', Attorney for PNC Bank, National Association, Plaintiff Plaintiff : PNC B ,National Association c/o TUC R ARENSBERG. P.C., 1500 One PPG Place, Pittsburgh, PA 15222 Defendant: Rand M. ockey, 423 W. Main Street, Mechanicsburg, PA 17055 BANK FIN:308853-1 000011-133120 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, ) CIVIL DIVISION I~laintiff, ) No. 2007-04885 vs. ) RAND M. ROCKEY, ) Defendant. ) AFFIDAVIT OF NON-MILITARY SERVICE COMMONWEALTH OF ~'ENNSYLVANIA COUNTY OF ALLEGHENY SS: I, Brett A. Solomon, being duly sworn according to law, hereby depose and say that the Defendant, Rand M. Rockey, is not a member of the military service of the United Stat s of rica to the best of my knowledge, information, alhd belief. Brett A. Solomon, Esquire Sworn to and subscribed before me this ~ ~ day of October, 2007. N My Commission Expires .TH Notarial Seal Kelly J. Mizalc, Notary °ublic C'dy C!f P'dttsburgh. ~!l~MenY Courtly nYCommissiar E::~~ras MaY ?3.2008 bsr, Pennsylvania Association of Notaries BANK FIN:308853-1 000011-13310 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL, ASSOCIATION, P~aintiff, vs. ~~~ CIVIL DIVISION No. 2007-04885 RAND M. ROCKEY, Diefendant. TO: Rand M, Rocket' 423 W. Main Strut Mechanicsburg, PA 17055 DATE OF NOTICE: September 14, 2007 IMPORTANT NOTICE YOU ARE IN DEFAULT'~BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED OF YOU IN THIS CASE. UNLES~ 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 PROIPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER' AT ONCE. IF YOU DO NOT HAVE A LAWYER, 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 aN AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717)-249-3166 1-800-990-9108 T ER A~~BF~~P.C. ~~ , ~ (Brett A. Solomon, Esquire Attorney for Plaintiff, PNC Bank, National Association BANK FIN.307626-1 000011-]33120 CERTIFICATE OF SERVICE I hereby certify tFhat the foregoing Notice was served upon the Defendant, Rand M. Rockey, by depositing thereof in the United States mail, first class postage prepaid, on the 14"' day of September 2007, at the following address: Rand M. Rockey 423 W. Main Street Mechanicsburg, PA 17055 TUCKER AR~'NS~$EI~i, P.C. t -- ~~ Brett A. Solomon, Esquire Attorney for Plaintiff, PNC Bank, National Association BANK F1N~307626-1 00001]-133120 IN THE COURT Off' COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONA>`, ASSOCIATION, Plaintiff, vs. CNIL DIVISION No. 2007-04885 RAND M. ROCKEY, Defendant. NOTICE OF JUDGMENT TO: Randy M. Rocked 423 W. Main Street Mechanicsburg, P!,A 17055 You are hereby notified thlat a Judgment in Mortgage Foreclosure was entered against you on ~c~f.c.._ c!' , 2007 in Ithe amount of $70,787.46 plus continuing interest at the contract rate together with costs, late charges, aid attorneys fees. ~S / l.fcn~ 6A it ' 1 Ost-4 Prothonotary `,,,- BANK FIN:308853-1 000011-133Q20 -~ t~,~ -Q U~ ..~ v ~ ~ ~ o ~ r ~ a ~/ ra p "~'t a~ 6_ ., ~ - ~n =~ ~rr ~ ~ `-~ t? ~ ~ .. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. RAND M. ROCKEY, Defendant. CIVIL DIVISION No. 07-4885 Civil Term PRAECIPE FOR WRIT OF EXECUTION IN MORTGAGE FORECLOSURE Filed on behalf of PNC Bank, National Association, Plaintiff Counsel of Record for this Party: Brett A. Solomon, Esquire Pa. I.D. No. 83746 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 423 W. Main Street Mechanicsburg, PA 17055 (Borough of Mechanicsburg) Tax I.D. No. 20-23-0567-027 ~ ~ C~ O J O oho ~~ O b ¢,s~aoGW~ (~ O U1 ~ ~ O O P -~ _t=~b 1 `~ I'+ ~.~'- -~ ~`_ i'.:. ~~ _~ ~. -~- ~- ., ~'_ e., c~ -c -~a N ~.fl O -r; ~~ ~~r 4"i '~ c ,•~ Wit.;z =~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, CIVIL DIVISION No. 07-4885 Civil Term vs. RAND M. ROCKEY, Defendant. PRAECIPE FOR WRIT OF EXECUTION IN MORTGAGE FORECLOSURE TO: Prothonotary of Cumberland County: Kindly issue a Writ of Execution in Mortgage Foreclosure in the above matter as follows: Judgment Amount ........................................................................ $70,787.46 Interest from 10/2/07 through 3/5/08 at $6.0208 per diem ........... 933.22 Late Charges ($47.20/mo. for 11/07 to 2/08) ............................... 188.80 Attorneys' Fees and Costs .......................................................... 684.41 Sub-total ................................................................................... $72,593.89 Costs (to be added by the Prothonotary) ................................... TOTAL T ERA B , P.C. Brett A. olomon, Esquire Attorneys for PNC Bank, National Association, Plaintiff .~- t~ ^~.. ~° ' ~.., ~1`ff ~ ~~ . ~} ,.,C r IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. RAND M. ROCKEY, Defendant. COMMONWEALTH OF PENNSYLVANIA COUNTY OF ALLEGHENY CIVIL DIVISION No. 07-4885 Civil Term SS: I, Brett A. Solomon, Esquire, being duly sworn according to law, hereby depose and say that the Defendant, Rand M. Rockey, is not a member of the military service of the United States of America to the best of my knowledge, information anief. A. Solomon, Esquire Sworn to and subscribed before me this ~ _ day of , 2007. Notary P~ibHc My Commission Expires: IVocanal seal Kelly J. Mi~ak, Notary Public City Ot pmsburgh, Allegheny Courtity My Commission E~ires May 23, 2009 Mimb~r, p~nq+ryrvK~i++ ~r•Qai~tlon of Notaries BF 311213 `~ ~ C ~~ ~., -n _ J l ~'~ ~ i ~ ~,J Y S ~ ~ ~'~~ ~~ /' ~~ ~~ ~...E 11 \ t"] IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, CIVIL DIVISION Plaintiff, No. 07-4885 Civil Term vs. RAND M. ROCKEY, AFFIDAVIT PURSUANT TO PA. R.C.P. 3129.1 Filed on behalf of PNC Bank, National Defendant. Association, Plaintiff Counsel of Record for this Party: Brett A. Solomon, Esquire Pa. I.D. No. 83746 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, ) CIVIL DIVISION } Plaintiff, ) No. 07-4885 Civil Term vs. ) RAND M. ROCKEY, ) Defendant. ) AFFIDAVIT PURSUANT TO Pa. R.C.P. 3129.1 PNC Bank, National Association, Plaintiff in the above action, by its attorneys, Tucker Arensberg, P.C., set forth as of the date of the Praecipe for Writ of Execution was filed the following information concerning the real property located in the Borough of Mechanicsburg, County of Cumberland and Commonwealth of Pennsylvania: 1. Name and address of the Owner or Reputed Owner: RAND M. ROCKEY 423 W. Main Street Mechanicsburg, PA 17055 2. Name and address of Defendants in the judgment: SAME AS ABOVE 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: PNC BANK, NATIONAL c/o Brett A. Solomon, Esquire ASSOCIATION Tucker Arensberg, P.C. 1500 One PPG Place Pittsburgh, PA 15222 PNC BANK, NATIONAL c/o Donna M. Donaher, Esquire ASSOCIATION Tucker Arensberg, P.C. 1500 One PPG Place Pittsburgh, PA 15222 4. Name and address of last recorded holder of every mortgage of record: PNC BANK, NATIONAL c/o Brett A. Solomon, Esquire ASSOCIATION Tucker Arensberg, P.C. 1500 One PPG Place Pittsburgh, PA 152225. 5. Name and address of every other person who has any record lien on their property: UNKNOWN 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: 7 CUMBERLAND COUNTY TREASURER CUMBERLAND COUNTY TAX CLAIM BUREAU MECHANICSBURG BOROUGH TAX COLLECTOR MECHANICSBURG AREA SCHOOL DISTRICT TAX COLLECTOR COMMONWEALTH OF PA DEPARTMENT OF REVENUE 1 Courthouse Square Carlisle, PA 17013 1 Courthouse Square Carlisle, PA 17013 c/o Barry L. Heckard 605 Somerset Drive Mechanicsburg, PA 17055 c/o Barry L. Heckard, Tax Collector 605 Somerset Drive Mechanicsburg, PA 17055 P.O. Box 2675 Harrisburg, PA 17105 Name and address of every other person of whom the Plaintiff has knowledge who has any interest in the property which may be affected by the sale: UNKNOWN The information provided in the foregoing Affidavit is provided solely to comply with the Pennsylvania Rules of Civil Procedure 3129.1, and it is not intended to be a comprehensive abstract of the condition of the title of the real estate which is being sold under this execution. No person or entity is entitled to rely on any statements made herein in regard to the condition of the title of the property or to rely on any statement herein in formulating bids which might be made at the sale of the property. 1 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 t orn falsification to authorities. ~ Dated: `~ ~ i 3 'a ~1 Brett'A. Solomon, Esquire Attorney for Plaintiff Sworn t and subscribe before m OMMONWEALTH OF PENNSYLVANIA this ¢~ day of ~" ; ~0 Nocariai sal Kelly J. Mizak, Nntary Publlc Clty OI Phiburgh, Allegheny County \ My Cnmmisslon Expires May 23, 2009 Notary Public tuber, Pannsylvanla Association of Notaries My Commission Expires: BF 311213 -2- C7 ~' C7 C~ ~; "rt , ~ ~1~r „1 P ..~, J . ~ . j C 3 ._. :`p =~~ ~ ~ t~_l //^^~~ -~ 1.1 ~ :4= ~ ~ ~~~ t r ,.~- i IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, CIVIL DIVISION Plaintiff, No. 07-4885 Civil Term vs. AFFIDAVIT OF ACT 6 RAND M. ROCKEY, Filed on behalf of PNC Bank, National Defendant. Association, Plaintiff Counsel of Record for this Parry: Brett A. Solomon, Esquire Pa. I.D. No. 83746 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 1 ~~~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, ) CIVIL DIVISION ~~ Plaintiff, ) No. 07-4885 Civil Term vs. ) RAND M. ROCKEY, ) Defendant. ) COMMONWEALTH OF PENNSYLVANIA ) SS: COUNTY OF ALLEGHENY ) Before me, a Notary Public, personally appeared Brett A. Solomon, Esquire, being duly sworn, deposes and says: THAT Notice of PNC Bank, National Association, intention to foreclose, pursuant to 41 P.S. §403 (Act 6 of 1974), was given to y2007. 1 Notary Pu oM ONwEALTH OF PENNSYLVANIA Notarial Seal Kelly J. Mizak, Notary Public My Commission Expires: cityolPittsburgn,Allegnenycourny My commission Expires May 23, 2009 Member, Pennsylvania Association of Notaries BF 311213 Sworn to nd subscrib before me this_~ da of C_- -'' ~ N <_ = F-, 4 - ~ V ~ '..I~i'Y"1 i., _.,,. ~~ p? ~~~ ~ ~~ .~. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, ) CIVIL DIVISION Plaintiff, ) No. 07-4885 Civil Term vs. ) RAND M. ROCKEY, ) Defendant. ) NOTICE OF SHERIFF'S SALE OF REAL ESTATE TO: Rand M. Rockey 423 W. Main Street .Mechanicsburg, PA 17055 TAKE NOTICE that by virtue of the above Writ of Execution issued out of the Court of Common Pleas of Cumberland County, Pennsylvania, and to the Sheriff of Cumberland County, Pennsylvania, directed, there will be exposed to Public Sale in the CUMBERLAND COUNTY COURTHOUSE 47H FLOOR, JURY ASSEMBLY ROOM ONE COURTHOUSE SQUARE CARLISLE, PA 17013 on March 5, 2008, at 10:00 AM, the following described real estate, of which Rand M. Rockey is the owner or reputed owner: Please see attached description of property. The said Writ of Execution has been issued on a judgment in the mortgage foreclosure action of: PNC BANK, NATIONAL ASSOCIATION vs. RAND M. ROCKEY at Ex. No. 07-4885 Civil Term in the amount of $72,593.89. Claims against property must be filed at the Office of the Sheriff before the above sale date. Claims to proceeds must be made with the Office of the Sheriff before distribution. Schedule of Distribution will be filed with the Office of the Sheriff no later than thirty (30) days from sale date. Exemptions to Distribution or a Petition to Set Aside the Sale must be filed with the Office of the Sheriff no later than ten (10) days from the date when the Schedule of Distribution is filed in the Office of the Sheriff. Attached hereto is a copy of the Writ of Execution. It has been issued because there is p a judgment against you. It may cause your property to be held or taken to pay the judgment. You may have legal rights to prevent your property from being taken. A lawyer can advise you more specifically of these rights. If you wish to exercise your rights, you must actpromptly. YOU SHOULD TAKE THIS NOTICE AND THE WRIT OF EXECUTION 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 ADVICE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717)-249-3166 1-800-990-9108 You may have legal rights to prevent the Sheriff's Sale and the loss of your property. In order to exercise those rights, prompt action on your part is necessary. A lawyer may be able to he{p you. You may have the right to prevent or delay the Sheriff's Sale by filing, before the sale occurs, a petition to open or strike the judgment or a petition to stay the execution. If the judgment was entered because you did not file with the Court any defense or objection you might have within twenty (20) days after service of the Complaint in Mortgage Foreclosure and Notice to Defend, you may have the right to have the judgment opened if you promptly file a petition with the Court alleging a valid defense and a reasonable excuse for failing to file defense on time. If the judgment is opened, the Sheriff's Sale would ordinarily be delayed pending a trial of the issue of whether the plaintiff has a valid claim to foreclose the mortgage or judgment. You may also have the right to have the judgment stricken if the Sheriff has not made a valid return of service of the Complaint and Notice to Defend or if the judgment was entered before twenty (20) days after service or in certain other events. To exercise this right you would have to file a petition to strike the judgment. You may also have the right to petition the Court to stay or delay the execution and the Sheriff's Sale if you can show a defect in the Writ of Execution or service or demonstrate any other legal or equitable right. -2- YOU MAY ALSO HAVE THE RIGHT TO HAVE THE SHERIFF'S SALE SET ASIDE IF THE PROPERTY IS SOLD FOR A GROSSLY INADEQUATE PRICE OR IF THERE ARE DEFECTS IN THE SHERIFF'S SALE. TO EXERCISE THiS RIGHT YOU SHOULD FILE A PETITION WITH THE COURT AFTER THE SALE AND BEFORE THE SHERIFF HAS DELIVERED HIS DEED TO THE PROPERTY. THE SHERIFF WILL DELIVER THE DEED IF NO PETITION TO SET ASIDE THE SALE IS FILED WITHIN THE T (10) DAYS FROM THE DATE WHEN THE SCHEDULE OF DISTRIBUTION IS FILED I E F JF~, E OF THE SHERIFF. n / ~- Brett A. Solomon, Esquire Pa. l.D. No. 83746 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 Attorneys for PNC Bank, National Association, Plaintiff BF 311213 -3- • .~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, CIVIL DIVISION No. 07-4885 Civil Term vs. RAND M. ROCKEY, Defendant. LEGAL QESCRIPTION OF REAL ESTATE ALL THAT CERTAIN lot of ground situate on the South side of West Main Street, Fifth Ward, in the Borough of Mechanicsburg, Cumberland County, Pennsylvania, bounded and described as follows: ON the North by West Main Street, on the East by lot now ar formerly of George Berkheimer, on the South by a public alley, and on the West by lot now or formerly of D.E. Byers, having a frontage of Thirty-four (34) feet and three (3) inches, and the depth from said West Main Street to the said public alley, and a width along said alley to Thirty-four (34) feet and three {3) inches. Having thereon erected a two story frame dwelling house known and numbered as 423 West Main Street, and a frame garage in the rear. HAVING ERECTED THEREON a dwelling known as 423 W. Main Street, Mechanicsburg, Pennsylvania. BEING the same premises which Rand L. Rockey and Judy L. Rockey, by Deed dated May 22, 2003 and recorded in the Recorder's Office of Cumberland County, Pennsylvania on August 18, 2003, in Deed Book Volume 258, page 3676, granted and conveyed unto Rand L. Rockey. Tax I.D. No. 20-23-0567-027 -4- Brett A. Solomon, Esquire ~~ .~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, CIVIL DIVISION Plaintiff, No. 07-4885 Civil Term vs. RAND M. ROCKEY, AFFIDAVIT OF ACT 91 Filed on behalf of PNC Bank, National Defendant. Association, Plaintiff Counsel of Record for this Party: Brett A. Solomon, Esquire Pa. 1. D. No. 83746 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 ~ ~IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, CIVIL DIVISION No. 07-4885 Civil Term vs. RAND M. ROCKEY, Defendant. COMMONWEALTH OF PENNSYLVANIA ) SS: COUNTY OF ALLEGHENY ) Before me the undersigned, a Notary Public in and for aforesaid Commonwealth and County, personally appeared Brett A. Solomon, Esquire, who being duty sworn, deposes and says: THAT Notice pursuant to 35 P.S. §1680.403 (Homeowner's Emergency Mortgage Assistance Act of 1983 -- Act 91 of 1983) was given to Defen nt nor ab~March 12, 2007. A. Solomon, Esquire Sworn to nd subscribe before this day of ~~1 007. ~~ Notary Pu IC COMMONWEALTH OF PENNSYLVANIA Notarial Seal My Commission Expires: I<ellyJ. Mizak, Notary Public Oily Of Pittsburgh, AOegheny County My Corrxnission Expires May 23, 2009 Member, Pennsylvania Association of Notaries BF 311213 N O c~:. ~; -n r i __~ C~`~ ~. ~ ;~~ C`) ti IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, CIVIL DIVISION Plaintiff, No. 07-4885 Civil Term vs. RAND M. ROCKEY, AFFIDAVIT OF LAST KNOWN ADDRESS Filed on behalf of PNC Bank, National Defendant. Association, Plaintiff Counsel of Record for this Party: Brett A. Solomon, Esquire Pa. I.D. No, 83746 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 ~~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, CIVIL DIVISION No. 07-4885 Civil Term vs. RAND M. ROCKEY, Defendant. COMMONWEALTH OF PENNSYLVANIA SS: COUNTY OF ALLEGHENY ) AFFIDAVIT OF LAST KNOWN ADDRESS OF DEFENDANT Before me the undersigned, a Notary Public in and for aforesaid Commonwealth and County, personally appeared Brett A. Solomon, Esquire, who being duly sworn, deposes and says as follows: 1. That he is counsel for the Plaintiff in the above referenced matter. 2. That to the best of his knowledge, information and belief, the last known address of Defendant is 423 W. Main Street, Mechanicsburg, Pennsylvania 17055. TUCKER A SBERG, P.C. Brett A. Solomon, Esquire Attorney for Plaintiff 2007. Sworn t and subscrib before me this~~ day of ~ ~~'\ Not~ublte-~ My Commission Expires: BF 311213 COMMONWEALTH OF PENNSYLVANIA Kelly J. Mlzak, Notary public City Of Pittsburgh, Allegheny Co~my ~ ~misalon Expires MaY 23, 2009 Member, Pennsylvania Asaoolation of Notaries ~ ~~ U -, ,:- a. =: ra c _ ...._ C-~ '' t a ~1 1 ~ . _,.,,. ~ f'i'1 .~, c_> :f ` "' G ^C r t IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, CIVIL DIVISION No. 07-4885 Civil Term vs. RAND M. ROCKEY, Defendant. NOTICE OF SHERIFF'S SALE OF REAL ESTATE TO: Rand M. Rockey 423 W. Main Street Mechanicsburg, PA 17055 TAKE NOTICE that by virtue of the above Writ of Execution issued out of the Court of Common Pleas of Cumberland Gounty, Pennsylvania, and to the Sheriff of Cumberland County, Pennsylvania, directed, there will be exposed to Public Sale in the CUMBERLAND COUNTY COURTHOUSE 4T" FLOOR, JURY ASSEMBLY ROOM ONE COURTHOUSE SQUARE CARLISLE, PA 17013 on March 5, 2008, at 10:00 AM, the following described real estate, of which Rand M. Rockey is the owner or reputed owner: Please see attached description of property. The said Writ of Execution has been issued on a judgment in the mortgage foreclosure action of: PNC BANK, NATIONAL ASSOCIATION vs. RAND M. ROCKEY at Ex. No. 07-4885 Civil Term in the amount of $72,593.89. Claims against property must be filed at the Office of the Sheriff before the above sale date. Claims to proceeds must be-made with the Office of the Sheriff before distribution. Schedule of Distribution will be filed with the Office of the Sheriff no later than thirty (30) days from sale date. Exemptions to Distribution or a Petition to Set Aside the Sale must be filed with the Office of the Sheriff no later than ten (10) days from the date when the Schedule of Distribution is filed in the Office of the Sheriff. Attached hereto is a copy of the Writ of Execution. It has been issued because there is a judgment against you. It may cause your property to be held or taken to pay the judgment. You may have legal rights to prevent your property from being taken. A lawyer can advise you more specifically of these rights. If you wish to exercise your rights, you must act oromptly. YOU SHOULD TAKE THIS NOTICE AND THE WRIT OF EXECUTION 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 ADVICE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (7 i 7)-249-3166 1-800-990-9108 You may have legal rights to prevent the Sheriff's Sale and the loss of your property. In order to exercise those rights, prompt action on your part is necessary. A lawyer may be able to help you. You may have the right to prevent or delay the Sheriff's Sale by filing, before the sale occurs, a petition to open or strike the judgment or a petition to stay the execution. If the judgment was entered because you did not file with the Court any defense or objection you might have within twenty (20) days after service of the Complaint in Mortgage Foreclosure and Notice to Defend, you may have the right to have the judgment opened if you promptly file a petition with the Court alleging a valid defense and a reasonable excuse for failing to file defense on time. If the judgment is opened, the Sheriff's Sale would ordinarily be delayed pending a trial of the issue of whether the plaintiff has a valid claim to foreclose the mortgage or judgment. You may also have the right to have the judgment stricken if the Sheriff has not made a valid return of service of the Complaint and Notice to Defend or if the judgment was entered before twenty (20) days after service or in certain other events. To exercise this right you would have to file a petition to strike the judgment. You may also have the right to petition the Court to stay or delay the execution and the Sheriff's Sale if you can show a defect in the Writ of Execution or service or demonstrate any other legal or equitable right. -2- YOU MAY ALSO HAVE THE RIGHT TO HAVE THE SHERIFF'S SALE SET ASIDE IF THE PROPERTY IS SOLD FOR A GROSSLY INADEQUATE PRICE OR lF THERE ARE DEFECTS IN THE SHERIFF'S SALE. TO EXERCISE THIS RIGHT YOU SHOULD FILE A PETITION WITH THE COURT AFTER THE SALE AND BEFORE THE SHERIFF HAS DELIVERED HIS DEED TO THE PROPERTY. THE SHERIFF WILL DELIVER THE DEED {F NO PETITION TO SET ASIDE THE SALE IS FILED WITHIN THE T (10) DAYS FROM THE DATE WHEN THE SCHEDULE OF DISTRIBUTION IS FILED I E FF~E OF THE SHERIFF. n `/ 1 Brett A. Solomon, Esquire Pa. f.D. No. 83746 1500 One PPG Piace Pittsburgh, Pennsylvania 15222 (412) 566-1212 Attorneys for PNC Bank, National Association, Plaintiff BF 311213 -3- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, CIVIL DIVISION No. 07-4885 Civil Term vs. RAND M. ROCKEY, Defendant. LEGAL DESCRIPTION OF REAL ESTATE ALL THAT CERTAIN lot of ground situate on the South side of West Main Street, Fifth Ward, in the Borough of Mechanicsburg, Cumberland County, Pennsylvania, bounded and described as follows: ON the North by West Main Street, on the East by lot now or formerly of George Berkheimer, on the South by a public alley, and on the West by lot now or formerly of D.E. Byers, having a frontage of Thirty-four (34) feet and three (3) inches, and the depth from said West Main Street to the said public alley, and a width along said alley to Thirty-four (34) feet and three (3) inches. Having thereon erected a two story frame dwelling house known and numbered as 423 West Main Street, and a frame garage in the rear. HAV{NG ERECTED THEREON a dwelling known as 423 W. Main Street, Mechanicsburg, Pennsylvania. BEING the same premises which Rand L. Rockey and Judy L. Rockey, by Deed dated May 22, 2003 and recorded in the Recorder's Office of Cumberland County, Pennsylvania on August 18, 2003, in Deed Book Volume 258, page 3676, granted and conveyed unto Rand L. Rockey. Tax I.D. No. 20-23-0567-027 -4- Brett A. Solomon, Esquire WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 07-4885 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due PNC BANK, NATIONAL ASSOCIATION, Plaintiff (s) From RAND M. ROCKEY (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 $70,787.46 L.L.$ 0.50 Interest from 10/02/07 through 3/05/08 at $6.0208 per diem -- $933.22 Atty's Comm Atty Paid $155.64 Plaintiff Paid Date: 11/21/07 (Seal) REQUESTING PARTY: Due Prothy $2.00 Other Costs Late Charges - ($47.20/mo. for 11/07 to 2/08) - $188.80 Proth notary By: Deputy Name BRETT A. SOLOMON, ESQUIRE Address: TUCKER ARENSBERG, P.C. 1500 ONE PPG PLACE PITTSBURGH, PA 15222 Attorney for: PLAINTIFF Telephone: 412-566-1212 Supreme Court ID No. 83746 4 ~ ` 'ti IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, CIVIL DNISION Plaintiff, No. 2007-4885 vs. RAND M. ROCKEY, Defendant. PRAECIPE TO SETTLE, DISCONTINUE AND VACATE JUDGMENT Filed on behalf of PNC Bank, National Association, Plaintiff Counsel of record for this party: Brett A. Solomon, Esquire Pa. I.D. #83746 bsolomonna,tuckerlaw.com Beverly Weiss Manne, Esquire Pa. I.D. #34545 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 ti ` . -a IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, vs. RAND M. ROCKEY, Defendant. CIVIL DIVISION No. 2007-4885 PRAECII'E TO SETTLE. DISCONTINUE AND VACATE. JUDGMENT TO: PROTHONOTARY, CUMBERLAND COUNTY Kindly settle, discontinue and vacate the judgment in the above-captioned matter in favor of the Plaintiff, PNC Bank, National Association, and against the Defendant, Rand M. Rockey By: TU KER AREN G, P.C. rett A. Solomon, Esquire Pa. I.D. No. 83746 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412)66-1212 NIA Swo and subscribed before me thisr„„,~ day of January, 2008 N ubli My Commission Expires: COMMONWEALTH OF PENNSYLVA Notarial 58a1 Kelly J. Mizak, iVuta-,~ Public City Of Pittsburgh, Allegheny County My Commission Expires May 23, 2009 Member, Pennsylvania Association of Notaries BANK FIN:315151-1 000011-133120 '~ 0 t :? ~='~ =n c .~ W ° D .~. ~~ ,~ r a ~ .~ {A O A ~ ,.: __ ...~ `c C: r PNC Bank, National Association VS Rand M. Rockey In The Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2007-4885 Civil Term R. Thomas Kline, Sheriff, who being duly sworn according to law, states this writ is returned STAYED per letter of request from Attorney Brett Solomon. Sheriff s Costs: Docketing Poundage Advertising Law Library Prothonotary Mileage Levy Surcharge Share of Bills So Answers: $30.00 250.92 15.00 .50 2.00 9.60 15.00 20.00 16.17 $ 359.19 / ~~.i~-~' R. Thomas Kline, Sheriff BY 0 ^ Real Estate S geant 1~d albP ~"'' ~, S~ ~Lao~q ,~0 3LIv 7 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, CIVIL DIVISION Plaintiff, No. 07-4885 Civil Term AFFIDAVIT PURSUANT TO PA. R.C.P. 3129.1 RAND M. ROCKEY, Filed on behalf of PNC Bank, National Defendant. Association, Plaintiff vs. Counsel of Record for this Parry: Brett A. Solomon, Esquire Pa. I.D. No. 83746 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, CIVIL DIVISION No. 07-4885 Civil Term vs. RAND M. ROCKEY, Defendant. AFFIDAVIT PURSUANT TO Pa. R.C.P. 3129.1 PNC Bank, National Association, Plaintiff in the above action, by its attorneys, Tucker Arensberg, P.C., set forth as of the date of the Praecipe for Writ of Execution was filed the following information concerning the real property located in the Borough of Mechanicsburg, County of Cumberland and Commonwealth of Pennsylvania: Name and address of the Owner or Reputed Owner: RAND M. ROCKEY 423 W. Main Street Mechanicsburg, PA 17055 2. Name and address of Defendants in the judgment: SAME AS ABOVE 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: PNC BANK, NATIONAL c/o Brett A. Solomon, Esquire ASSOCIATION Tucker Arensberg, P.C. 1500 One PPG Place Pittsburgh, PA 15222 PNC BANK, NATIONAL c/o Donna M. Donaher, Esquire ASSOCIATION Tucker Arensberg, P.C. 1500 One PPG Place Pittsburgh, PA 15222 4. Name and address of last recorded holder of every mortgage of record: PNC BANK, NATIONAL c/o Brett A. Solomon, Esquire ASSOCIATION Tucker Arensberg, P.C. 1500 One PPG Place Pittsburgh, PA 152225. 5. Name and address of every other person who has any record lien on their property: UNKNOWN IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, CIVIL DIVISION No. 07-4885 Civil Term vs. RAND M. ROCKEY, Defendant. NOTICE OF SHERIFF'S SALE OF REAL ESTATE TO: Rand M. Rockey 423 W. Main Street Mechanicsburg, PA 17055 TAKE NOTICE that by virtue of the above Writ of Execution issued out of the Court of Common Pleas of Cumberland County, Pennsylvania, and to the Sheriff of Cumberland County, Pennsylvania, directed, there will be exposed to Public Sale in the CUMBERLAND COUNTY COURTHOUSE 4T" FLOOR, JURY ASSEMBLY ROOM ONE COURTHOUSE SQUARE CARLISLE, PA 17013 on March 5, 2008, at 10:00 AM, the following described real estate, of which Rand M. Rockey is the owner or reputed owner: Please see attached description of property. The said Writ of Execution has been issued on a judgment in the mortgage foreclosure action of: PNC BANK, NATIONAL ASSOCIATION vs. RAND M. ROCKEY at Ex. No. 07-4885 Civil Term in the amount of $72,593.89. Claims against property must be filed at the Office of the Sheriff before the above sale date. i Claims to proceeds must be made with the Office of the Sheriff before distribution. Schedule of Distribution will be filed with the Office of the Sheriff no later than thirty (30) days from sale date. Exemptions to Distribution or a Petition to Set Aside the Sale must be filed with the Office of the Sheriff no later than ten (10) days from the date when the Schedule of Distribution is filed in the Office of the Sheriff. Attached hereto is a copy of the Writ of Execution. It has been issued because there is a judgment against you. It may cause your property to be held or taken to pay the judgment. You may have legal rights to prevent your property from being taken. A lawyer can advise you more specifically of these rights. If you wish to exercise your rights, you must act promptly. YOU SHOULD TAKE THIS NOTICE AND THE WRIT OF EXECUTION 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 ADVICE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717)-249-3166 1-800-990-9108 You may have legal rights to prevent the Sheriff's Sale and the loss of your property. In order to exercise those rights, prompt action on your part is necessary. A lawyer may be able to help you. You may have the right to prevent or delay the Sheriff's Safe by filing, before the sale occurs, a petition to open or strike the judgment or a petition to stay the execution. If the judgment was entered because you did not file with the Court any defense or objection you might have within twenty (20) days after service of the Complaint in Mortgage Foreclosure and Notice to Defend, you may have the right to have the judgment opened if you promptly file a petition with the Court alleging a valid defense and a reasonable excuse for failing to fi{e defense on time. 1f the judgment is opened, the Sheriff's Sale would ordinarily be delayed pending a trial of the issue of whether the plaintiff has a valid claim to foreclose the mortgage or judgment. You may also have the right to have the judgment stricken if the Sheriff has not made a valid return of service of the Complaint and Notice to Defend or if the judgment was entered before twenty (20) days after service or in certain other events. To exercise this right you would have to file a petition to strike the judgment. You may also have the right to petition the Court to stay or delay the execution and the Sheriff's Saie if you can show a defect in the Writ of Execution or service or demonstrate any other legal or equitable right. -2- YOU MAY ALSO HAVE THE RIGHT TO HAVE THE SHERIFF'S SALE SET ASIDE IF THE PROPERTY IS SOLD FOR A GROSSLY 1NADE~UATE PRICE OR IF THERE ARE DEFECTS IN THE SHERIFF'S SALE. TO EXERCISE THIS RIGHT YOU SHOULD FILE A PETITION WITH THE COURT AFTER THE SALE AND BEFORE THE SHERIFF HAS DELIVERED HIS DEED TO THE PROPERTY. THE SHERIFF WELL DELIVER THE DEED IF NO PETITION TO SET ASIDE THE SALE IS FILED WITHIN THE T (10) DAYS FROM THE DATE WHEN THE SCHEDULE OF DISTRIBUTION IS FILED I E FF~E OF THE SHERIFF. /// Brett A. Solomon, Esquire Pa. I.D. No. 83746 1500 One PPG Place Pittsburgh, Pennsylvania 15222 (412) 566-1212 Attorneys for PNC Bank, National Association, Plaintiff BF 311213 -3- i IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff, CIVIL DIVISION No. 07-4885 Civil Term vs. RAND M. ROCKEY, Defendant. LEGAL DESCRIPTION OF REAL ESTATE ALL THAT CERTAIN lot of ground situate on the South side of West Main Street, Fifth Ward, in the Borough of Mechanicsburg, Cumberland County, Pennsylvania, bounded and described as follows: ON the North by West Main Street, on the East by lot now or formerly of George Berkheimer, on the South by a public alley, and on the West by lot now or formerly of D.E. Byers, having a frontage of Thirty-four (34) feet and three (3) inches, and the depth from said West Main Street to the said public alley, and a width along said alley to Thirty-four (34) feet and three (3) inches. Having thereon erected a two story frame dwelling house known and numbered as 423 West Main Street, and a frame garage in the rear. ' ° HAVING ERECTED THEREON a dwelling known as 423 W. Main Street, Mechanicsburg, Pennsylvania. BEING the same premises which Rand L. Rockey and Judy L. Rockey, by Deed dated May 22, 2003 and recorded in the Recorder's Office of Cumberland County, Pennsylvania on August 18, 2003, in Deed Book Volume 258, page 3676, granted and conveyed unto Rand L. Rockey. ` ' Tax I.D. No. 20-23-0567-027 -4- Brett A. Solomon, Esquire WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO 07-4885 Civil COUNTY OF CUMBERLANll) CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due PNC BANK, NATIONAL ASSOCIATION, Plaintiff (s) From RAND M. ROCKEY (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 $70,787.46 L.L.$ 0.50 Interest from 10/02/07 through 3/05/08 at $6.0208 per diem -- $933.22 Atty's Comm % Due Prothy $2.00 Atty Paid $155.64 Plaintiff Paid Date: 11/21/07 (Seal) REQUESTING PARTY: Other Costs Late Charges - ($47.20/mo. for 11/07 to 2/08) - $188.80 Name BRETT A. SOLOMON, ESQUIRE Address: TUCKER ARENSBERG, P.C. 1500 ONE PPG PLACE PITTSBURGH, PA 15222 Attorney for: PLAINTIFF Telephone: 412-566-1212 Supreme Court ID No. 83746 Real Estate Sale #78 On November 30, 2007 the Sheriff levied upon the defendant'-s interest in the real- propey situd.i~ Mechanicsburg Borough, Cumberland County, PA Known and numbered as 423 West Main Street, Mechanicsburg, more fully described on Exhibit "A" filed with this writ and by this reference ~~ incorporated herein. ~! Date: November 30, 2007 By: i 1 Real Estat Sergeant