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HomeMy WebLinkAbout07-5112~* ,~ SHAPIRO & KREISMAN, LLC BY: CHRISTOPER A. DENARDO, ESQUIRE, ATTORNEY LD. N0.78447 DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. NO. 81747 LAUREN R. TABAS, ESQ., ATTORNEY I.D. N0.93337 ILANA ZION, ESQ., ATTORNEY I.D. N0.87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE N0.07-29788 Wells Fargo Bank, N.A. PLAINTIFF VS. Michael D. Geib 863 Burnthouse Road Carlisle, PA 17015 Brenda L. Geib 863 Burnthouse Road Carlisle, PA 17015 DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: ~rj - 51101 C i v ~ l Term COMPLAINT -CIVIL ACTION MORTGAGE FORECLOSURE NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAti' PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COU RT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTH ER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU' DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAYBE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES TI~AT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICIA LE HAN DEMANDADO A LISTED EN LA CORTE. SI LISTED QUIERE DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS SIGUIENTES, LISTED TIENE VIENTE (20) DIAS DE PLAZO AL PARTIR DE LA FECHA DE LA DEMANDA Y LA NOTIFICACION. LISTED DEBE PRESENTAR UNA APARIENCIA ESCRITA O EN PERSONA O POR ABOGADO Y ARCHIVAR EN LA CORTE EN FORMA ESCRITA SUS DEFENSAS O SUS O$.TECIONES A LAS DEMANDAS EN CONTRA DE SU PERSONA. SEA AVISADO QUE SI LISTED NO SE DEFIENDE, LA CORTE TOMARA MEDIDA5 Y PUEDE ENTRAR UNA ORDEN CONTRA LISTED SIN PREVIO AVISO O NOTIFICACYON Y POR CUALQUIER QUEJA O ALIVIO QUE ES PEDIDO EN LA PETICION DE DEMANDA. LISTED PUEDE PERDER DINERO O SUS PROPIEDADES O OTROS DERECHOS IMPORTANTES PARA LISTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARR AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 SHAPIRO & KREISMAN, LLC BY: CHRISTOPER A. DENARDO, ESQUIRE, ATTORNEY LD. N0.78447 DANIELLE BOYLE-EBERSOLE, ESQUIRE, ATTORNEY I.D. N0.81747 LAUREN R. TABAS, ESQ., ATTORNEY I.D. N0.93337 ILANA ZION, ESQ., ATTORNEY I.D. N0.87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE N0.07-29788 Wells Fargo Bank, N.A. PLAINTIFF VS. Michael D. Geib 863 Burnthouse Road Carlisle, PA 17015 Brenda L. Geib 863 Burnthouse Road Carlisle, PA 17015 DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff, Wells Fargo Bank, N.A., the address of which is,l Home Campus Drive Des Moines, Iowa 50328, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) Parties to Mortaaae: Mortgagee: Mortgage Electronic Registraton Systems, Inc. as nominee for Gateway Funding Diversified Mortgage Services LP Mort ag_ or(s): Michael D. Geib and Brenda L. Geib (b) Date of MortQaae: November 28, 2003 (c) Place and Date of Record of Mortaaae: Recorder of Deeds Cumberland County Mortgage Book 1847 Page 172 Date: December 2, 2003 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. No. 1019(g). A true and correct copy of the Mortgage is attached hereto and marked as Exhibit "A" and incorporated herein by reference. (d) Assigmnents: Assignor: Mortgage Electronic Registration Systems, Inc. as nominee for Gateway Funding Diversified Mortgage Services LP Assignee: Wells Fargo Bank, N.A. Date of Assignment: As Recorded Recording Date: As Recorded 2. Plaintiff is, therefore, either the original Mortgagee named in the Mortgage, the legal successor in interest to the original Mortgagee, or is the present holder of the mortgage by virtue of the above-described Assignment(s). 3. The real property which is subject to the Mortgage is generally known as 863 Burnt House Road, Carlisle, Pa 17013, Aka 863 Burnthouse Road, Carlisle, Pa 17015 and is more specifically described as attached as part of Exhibit "A". 4. The name and mailing address of each Defendant is: Michael D. Geib, 863 Burnthouse Road, Carlisle, PA 17015; Brenda L. Geib, 863 Burnthouse Road, Carlisle, PA 17015 5. The interest of each individual Defendant is as Mortgagor, Real Owner, or both. 6. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, are due as of April 1, 2007 and have not been paid, and upon failure to make such payments when due, the whole of the principal, together with charges specifically itemized below are immediately due and payable. 7. The following amounts are due as of August 16, 2007: Principal of Mortgage debt due and unpaid $128,196.39 Interest currently due and owing at 6.25% per annum calculated from March 1, 2007 at $21.95 each day $3,709.55 Late Charge of $33.00 per month assessed on the 16th of each month from April 16, 2007 to August 16, 2007, (5 Months) $165.00 Escrow Balance (Credit to Defendant) ($105.62) Suspense/CTnappliedBa1ance ($223.00) Title Search/Report Fees $250.00 Attorneys' Fees and Costs $5,000.00 TOTAL $136,992.32 8. Interest accrues at a per diem rate of 21.95 each day after August 16, 2007, that the debt remains unpaid, and Plaintiff may incur additional attorneys' fees, as well as other expenses, costs and charges collectible under the Mortgage. 9. The attorneys' fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriffs sale. If the Mortgage is reinstated prior to the sale, reasonable attorneys' fees will be chazged based on work actually performed. 10. Notice pursuant to the Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S. § 1680.402c, et ~., was sent to each individual Mortgagor at their mailing address and/or the mortgaged property address by first-class mail and certified mail. Pursuant to the act of December 21,1998 (P.L. 1248, No. 160) (Act 160), this Notice contains the information required by the act of March 14,1978 (P.L. 11, No. 6), 41 P.S. Section 403 et seq., and separate Notice of Intention to Foreclose is not required. Copies of the Notice are attached hereto as Exhibit "B". WHEREFORE, Plaintiff respectfully requests that this Court enter judgment in rem in favor of Plaintiff and against Defendants, jointly and severally, in the amount set forth in pazagraphs 7 and 8, together with interest, attorneys' fees and for other expenses, costs, and charges collectible under the Mortgage and for the foreclosure and sale of the mortgaged premises. Date: SHAPIRO & KREISMAN, LLC BY: . Attorneys for Pl S & K File No. 07-29788 I~t7Q~ UP-II-D-t~1~ ~49.RT P. ~lEQ1.ER `~1~4(~ iiECC~t+U~R Oc DEEDS ~ •+~~~~ ? ~n12OG .:.. ~~ ~_ ~seoraagoo+taoyoe~ MaRTGAGE L-C}A:~T IS N4T A~UMLE ~~`€~UT APPROVAL 0~' TAE DEpAR~I~' ~~ VET'~EtA~S .tFA-IRS OR ~'S At7T~O~;~D ACrENT. ~» Woods m.a m mriotge.~as cf e>Lis doae~eseAt ~ dal~ad tee+bw aaa aher wrardoe aces d'eSaed iR 9eodom Se lobo X19 and ~0. ~a rube. ~ ~ or woods encd lA dus daonQ„~ a~ e~ P ~ GU "se~- Lst~ae:^ d,;, , w3ioh is daeaal Nowrmbeer ~, ~ vrith ~ Riche ~ thia dopulneor. (>l~ "Beereww~' is ~lkheN 0 Golb r~q 8rend+a L ~t 9arrower is e>tie " tea. duff ~~, T~w~ent. (~ "~ is 81a~oaic Op 8yse~m., Ino. A®RS m • i~$ ~ eS A >Daepjp0a e?dt Laoder aad Laador'a apgoaa~py a~ ~ llfa[ ii ~ '' ~s iei • SRS i stirs aat ceder ~ 1lt11Mllet' of P.O, Hox St(lZ{ ~ ~~ ~ illld hat an addna~ (D) "[.cadet'" is cry t~d~ Oivereeetiteid MAC ~~ Lp` Leader is ~ t•M~MId Ptp tiro Lws of YL.VAIepp °~~ at~d ~8 uaxler a00 Oeillo~ Qe~ p~+ gym g~ Fort WasEttngtatl. I~INSYt.VAN1A 1~4I.andar's edd~eae is sta0ees disc ~ ~ owe signed 6Y g and dated tVer`1e0mbar 2i„ ~ .11~e Nate Son~awer oaras Loader OrrO i~t<ty ~ ti'howetnd and t1d100 Dollars (U.S. ~ 79+I,000.~ ) plw foeeaat. rm~nv~.ee>,~ts -u~m~u~ aux. rt11Mln~lt(enp-.des fPOitlgf~3pgj~eff Ta4irp~~.~pq~,wpt~ ~~-"'~- S©ba Go ~~b BK 1847FG0 f 72 has ptaenisod to pay this debe fa tttgaiev 1'mrladic Pay~nentr aad m pair eita dt~bt hr i~t tuX Lcer tlaot Dom' 01. . t~ ulregee~y" tneane Ste ptnpady that le described bdoa mtda the 6aadSag wee' aC Riptas is the '3+•" {d) 'Y.oaa" tttestte the dabs e~ideacad by the Notg phas iawaea4 say ~ t and }app tahatRes doa tinder dte Nda, aad all soma dna cadet this Seoueity Itptewtant, plus itttraaet. t$l ~ttlerr" aoetme a8 ti,WerF to rhbt 7tenmity Tndttmtatt that one exaauted hY BOnt)wcY. The soil~aB Riches me act ba eeaa~ b7 Bonowar [ohaalc boot ew hig1- Ceodamittitan Rids ^ Geadttstad Paytssat Rider (~ l~Od vtdt Dovohtputeac Ridrr D ~ce~ (A agpplte.Lls ~ ataua ai! ooatroding teppiierbls lbdceah atrfe a~ bqd statttpa, ardfamow aad ada>3nieatadre:al~ trod orders (that paw tha td~. of Ltr) as reeii as all ti.al. soa#tpetdt~ble jt+~aW opinions, H• dus edaata astamsd heroby it weed as fuem+ed toadsc Tide 38, Uaitod 9ilAei C`otle, ~+ 17da and isadalstioaa issdad and ie ~erx oo !te dsto hetaiaal' 1ie11 Earern dta • datlas .ad lia6a'litio. of tlta partial l~to..ad aay ptorLfOas of this er altar ip .taoestsd is ootrteotion with avid i~ wbic4 arc iaaooaisieot wilt earl '1gt1s ex Aagaitdaaa ate heroby etneadad co oott6ottn thnt+aco. to "Y A:>4d.fion ~, ~ abd Aw~emd'• maw. alt dttea, ibas. assaaewots sad odter that ata itttpeatsd on Hoelowcr a the Ptvpergr by a ooad~niam assooiaoiat, imatoo>A-aees alsociadou oc a~tti)er ocgapizuioa. (iq 'Bleohoatie lbnde Trauelar" mains any tcea~ar of iimde, other that a ttsasecdan oei~stsd yy dtak. dtatk ac tdatitar popes iaatcu>tt~t, wbic>, is iobiated tbtwyh an deattgda teeptiwl. filspbodc inetramattt, eoor~nt~ err > ~ so as to aar]ae, iama:y yr a liaantaial ittslituli~oa m debit tr ~t m atoooum. Sete3 tam ipaluda, bui ft am lhtdoed t0. polar: eri-als tree. ateoeoa/ad 4eIIer a-e eyaeagions, h~iets ittWated by teleplwne, wlra trtaufers, aad aamttm~md darht~ghouee aaaat~da. (iv) "Hsp~aw ltema" means shone ltcrtts that are descxihed fa Sacaan 3. t~ ~AZisodlatteoa Proceeds" meaigs etsS- eoatpettsadoa, eettlemaat, award of or ptaoeeds paid by ~y third !~ tat4cr thsti iosuranrx proceeds paid ostler the oavenpee ebaa~ad fn 3msitm S) ifoor: (~ damage p, or dtseaaion of, tha Pmpaty; Ct~ eosdatutedaa or mbar taidas d df ec aay part of dm nY: tW) esmwtyana is lien aP coada~adoa: err G~) ~ oL or tatduiotas ee b. the value aad/etr condition o[ the lit>prtty. PBDarS1'~VAI~A..~k Fanay--T]t~ottM u~ltat~ssrrr rnaemetstosta-1aa~e f~ze~rSposa'1 norraet~aastnture~i BK 1647PGJ i 73 (1+1}} "pwgreta Pp~'sa~at ~ ~y aeeoued dnc ia~ ~) pratslp~l atd inreeex eu~ t6a Ncee, pku (~} aa7- atte ta>dar ttoahae 3 of this soateity iaernreoat. (d~ '~8'BtPA" the Aa1 13rarre 8aalantat Pnocedtrrea Aar (12 U.ti.G l~Ot rt aegj and ere ~M +' R~toa X Q4 t:F.R. l~rrt . a ~- ~ be amaadul ~ thse ~ thee, oc ray addhiert ar at ~edoe they tLe Berne autyeet atatMr. M herd b tteb "1tBt3FA" eeiles tp eA lagedtNlMe~q e6d ra~ioae ihet ~ jerpoad he tu,~d to a eeLmd mottle !wa" evea (f the Lava done atK gaal~y ~ a 'Yadaraity ~,derrd arreYj~e tao" (Py "BrK~eeeeec !~ Ittt+a'trt e[ atner aqy pony thu Ere tabea tkls to the ~ wbee>wa~ or Bert tber peyr bes aeemued Bartoarot's obp ttttder tia Nate alfdlet ~ Seousity 7me+naaeae. ~ OP WCiHT9 IId' THE PBOPLRTY 'hie iY Ibeeaa~eot eoaugas 1o Laadeu: (iy dra rapayttrent of the Lana, erd edt »oewaty acaeaeiase aad atadiii~aas d tbs Ntt1e; aad (;~ rho ,padaomsaoe of Bosowar'e omnoemta aed ender Ihis soc+u~ ~avaaaat awd the Note.1?oc thin parpoee; Baeeow~ dnae Loeby t~ ~ amvegr rD MBRS (avie~jr as oomiaea liac Laodor awd 3.emdet"r ruooeaaoes tmd aad to the eeeoeaorr aad a~q of tLc foibwig6 deacn'6ad property kxtaeed to rho C~Pe of of ~ C~~rlobrtWtei~d ~ vvhicb cur~ttly het ttu addccse oC t!~ Gantt H~ Itae Itbpd ~~ . Penatylvnria ~ $ W17'~i all the iegpe+car aow ar 4aaetttr eQ+poced oa tea 1?~'eP~Y. ~ all eaeazneota, appaeueaaaec:, aad fixtures eroav a' haorfoar a p,rt of eho paopa<cy. AU replaoeweppr and addidoat e~i ehw rr~ltrvq~~ rnr~eeenwatanu-~tenl~ f~s9ffsP~J t•o~rwortt~auna BK1847PGOf74 tR+i'3~R3t t~OVEKAIVT3. Baare~er ad Y„ender covoneot and a~roo as lotfowst 1. lhiym.Mt .t >Paia.~iet, L~...oe, >a.a~ex Bareowar aft P~0' wbep due >1ts ~efac~ad ~ and mae~ra~c or, drs debt' avidby ~ papq-mart aid hoe ablges dnre teodcr d14 Iota. a~6e11 a1w !~f' ! flat Suaow Resat P~ b ~. dne rder a6~ Noce saxi ,~ baslcasaom sbrai be euis m U.S. °~1'• 8o+rwer, if apy odes pr eaf~ t s~oaiyed by Y,ea~dpr r l~~ amader Iha Nola ar Aia t. swus.~ oo $..el.. ureMea~ Taaalat m4 ~ ~ +~'!' a! W mtraedaeist P duo order aha Nola and ttds ba pq~ eo toaa t1t maae ddN lbmaa~ ~ ~Ileaod ~' L~aader: G~ ~ tb~ oooouy ordra~ (a) awtll~d ~, ~ a+meaards alta~t ar oiad~ar's dbcir, P~~_md~~!~Q~ st>olt CLack is deawa opflq am p p d +re iaanaed by a- ti[derd a~eetey~ b'~°1°"~4'~ ~ ~ tdI 131cafso~aie ~lesds TYamdiae, wch a~arbcsdon~ deaAaad~ +nd h1r I~aoader wheat ~aaadrsd at the huauian d m the t!~ooe ~ u X,epdur oxq rapes +uaY lb>'~at of peeda pgq>e~ has ~iti Wo awltw P~a~a in 14. at wttboas wdvar ~ ~ ~' ~ M1Y P~'maut or PerdR1 Meat eo ~y ~ baraaadar ac pa~adioe m ib rJ~e ou ~oaEatae aeteh paggpeatt er paeml paymeate ~ t4a f>aatm~, but Leader ~ >~t obdpted tQ roab ~ dta usos aucd ~` Pbmaent is app~ed as ad Its ~~ doe~tbea Loader need aot ~ iggr laid sueb tisris osttl Harrower as~ms pNy~, to :~ Loea atmaatt. 1llomowa does ^ot do ao wkbm a a~eneosahie pp9od of ~R Loader +~ afbmr ssc4 !bads a maura ~ m Barer If qOt app) aedler~ sofa lhode wtli fNt m the 3satTmmaat Loader ~~ a ~eua~ ~ ~ana~ner t pafaraui~ tha covaoasrs aatd t+~w dao v~ ~ Nob aad alts ~ or P,eoseed~. s~ ~ ~ $0°~ . krxaept ae ofberlriaa daaorl6od is tits Seclfiop Z. alI nailer the Noce; (b) todeC doe ~b {caouoeaoe~ dnee~ou 3.9~ncb ~p~q~p ~l he aPP~ m aced P'~Na Py+taant in tha aedet io whidt ir. bocame duo. Rap i ao~onuu ~1 be applied Ssse ao Jeoe age., second to any Dada unounts duce nndar thh 9octufl,~ Ioatnanrnt~ aad tiee ao qua the p~tdpA[ bdatux of tl~a i~oae. 1J~YI.vA1~EA-,state W~l~gr,+p~y~~ygq'REIIM~Yr ~M~Wa01f1 (h+Fa4~JlM~y T.OidemRlJm~3p~i .._ _ _._ . ...... ......_.... . . . ~t...18 4 7 Pi, 0. l 7 ~. . . If Lertdrx noeh-ea a p t~ Sa a deiitrgnau Poriodt: wl~ieieac automarc eo pa9' wY k1e ct~e d~. db '~'~ i a a~ Pdrhodio Psymeat is ~ ~, ~!' saoti+~ed t!uiear ai t3ta~odio Agmeaae ~ lad to du eat ftdi. To tmo attla~ 1WK ~ a+to~ l ata is paid 1e ~ aaep. exMae airsr dat ~ to is >irli cd~ prf or atota ~ t~ Ilfi!!is ~ its is ~ ~ dwa. Volra~y P1tar ahtdl bo ~~~~~ea~ilsoebed h1 drsNsia. Naps a~ not ar po~poae dto dsa daat~ Ptooaeda b ~. uador 16s a F~tait for .- )Maas. ahs ~ dt~eie uedat• dra l~oie~ aa~il d~a Itaes it pdd ht fib.; ~ {m,~' to Meador ott die day W auoea apd aatson~t+ms aad Diet ilwtu i0ea,~ ~° t> tbt dae ibr: or sastoa sa the '' {its lssas6oid p tctayt w Wa c ~ a ~ t~ P fer aay aad ~ iasassaeo ae$r~d by Laia4r tladsr !f ssoriott S. ~~ ~,~ Iasas. Ac ~ aa~ 1rc arp~ data dneieg Ibt tam of rye Loaty iaada mq- that Aaaoisdaa ~ aqd Awe K arq, b d 6y yd ands saawsssap attatt bs as i~em. cah~A~pQy fa~ti~ ~ , ~ aar~a ata~atooati~r paid aada rids 3eot~. Boavnir at~U ps~- Leodec Aye Faods ibr Baentw hams BaRrna~mr' ~l~d~ mr +pq- ex art &onaar mss. I,~aiar ~oam+r~'s to dax maeat d anoh +aT ar ~A Eaotew fro al aRY ~..Aebr auor wai+ror aasy ~ 6s is *~ +dr11 pq diawd ~ >f•atoar Z~ far,rhkh p e[I~a. tt~tr wrd hd by L~eesr ~ Sra.aaaws dno s ~°'~ P ~ anolt dwa as Isedor atwiaita, °°~saat sad ~ oos~4iasd8a~i~]-~~ ~' ~a d ~ fadr ~ ~ 1uim. loadKSs~vw ~ ~b-. pa~rrmrit /o a ~ +sid arkl poerohrer a6ali dtea he ~ eoCa~~e ~ ai~rs.rerdaeB+odoa 9 aai! ptgr wah aGiipoed aatter ~aetioo >f to m ~Y dre waives ~ ra aay a3 ~$~r at ~ dmeiq~ s~na6oa~ 1'egu ~ p~ S Barwwer sWdl pay ro La,r~r all Fnads, ~ !a tire< ars drm rbs at ~ ttma~ ~• aad )told Fw-da is as amaaac ~U ~daa~ b port Leadsr cv aader ABBPA,, awi (b) aot to e~read die sruaia~asa a~ a nadir c~+aa x'ogtdre ardgr R86PA. Leader siraY aott~e dra a at i~ dtte as tits lams d''ore:vtrt dwt aad ~tbla atiowss of act of litatrv 8ratnw i~ a atbuvNsa iD aeoat~dratce wkl! Appitoa6le ~'bs Fuods ahaii be held io an itusittaioa w4e+st ~>• oeo iasorad ~ a dtderal . creasy (iaoi°d'ei I,epdCC, it 3.eadrr is sn iAldtYtioa whole may' aoy mat idol I.awq itrok Laadet s~s}i ~~ ~'~ cr ht rnlda R>3,gPA. Leader alraU aot a Agrd4 saaadty Fvads aad ~ 1~ Lsadar ~ msbe such a ~'°~ t?s0~ '~aaaa-er iafartN as dto ~-ltP~6k Law faeer~x to be paid w the Fopda. ~ahali ttottwt is made is or trtoe~. ar on $e Fasdo. Barr+Dwse apd Leader csa ~ a73 tO >~ der spy 1~ oa dNC Ler~gr atu~ ~i~a to Bet'rower, wiWnnt ~ ~& hovwavat; drat' 10 be ~Ni~ by R1dSPA. ~. as aaaaal aaottgt)#d ct dre Ftatd: a: rrwrrslt79vAtlta~.staets p~ A~b'1'l•T8H61VT ~a~a.,conu~-alts (~es~tsp~rl teeters ~a taotter;ton 9K 1847FG0 t 76 If tltaro ~ a su~pfos aP` Funds betel is ~ at elei~ed older 7tFiBPN. Lrasder ttm11 aooourt m Docro+Rm~ tar tits serest} ~ is eooscdaoee ~ iti ~ totes it • s erf f~tadr lleid is esotow. ~ de&ead atida jt88t'A, Leader shell atrtil~r Hariowsr ss b! ii'$st-a, sad 1iar~tftsrr d<+S3 yay m 1~aader the tenauac aseapcy b aides up tLneq~a in oovoed~o +~ 'A. bsc iK ~ lasts d~ iZ »f' P $ tbeeia is a ~ otPaads Ldd ~ a~a~w, +t~a del~tad ttdd~e'/1, Lnndst s~ ~da6u3secyb<aeoott ~ ~ btrioAOOSlbtsi~ ~ ~ ~ Bano~as~r i ho'isiby Leader. ~ 6~ f~4 8eooriq horona~en~, ~sII ~roanpd~- ~d to 4 pMgeq Llsiae. 13aers+sar shelf psi >~ texas„ ate, abagoe. fbatu. sad latpaabian^ erosibt~bla to @+s h~~ midi sap attaas pranri~- oast ibis isal~roiL ~ ~0~1 ssacr tut ells ps~rpesty, ~ sapr, sttd Comorsa;q ~ Dpet, PreR sad A~To ~e eoaeattbrtteweifemo t~ca8aa~aw ~eorrBaa+~sr~itp~#haasit4e p~e~wr+~ldnd~#Mollon 8. Bosawar aba~ - spy lies wbit6 bwE ptiselgr ~ t6k 8eaadq-' ipedhMassc tarfese $otra~ W +4+ea1 m m tbs p~xte d the obli~dOa aeotmad by Ibe ~ br a s~ b Leadsri bat aeJr ao ~ ar l:o~ds~etr it awl tbI aoateaea dal~sn ~ yoada fby. ar defsAiit s/ebpt eeE tbs Ilea "ia. lopi ! b toadat's espietoa a paw the aE the 1Ma eddy tlrosa ~ awr' paadla j. bas aw~jl >~ ueia are aoaolaiad: err (eel eeKttas feam tba larldee M dta $e1 ~ s~ieeMlenffrr t4 7~IWt ~ dlt Bea m tbk N i~iMtdsr dearasaaatt titAt tsry pa~L aB:dre Pieeppgr is 1s s>iaa whiob gilts attain >7 owx tbb ' btr~tel, L~ndae ~ ytvs la~~ a ~~~ the firs. Wittig 10 ehtya dtba daps ~ rel3olt that ttotbo is ait+siti 8anaowar shell satlydyt the ~ ar tsbr awe nr »xaes e-f tbs eeiotns aetlbeib rbgvs bi this Saesian 4. LaMiot may >~ Heuren~r m ~- olta+lims ~ Pot a real erfgle tsx ~ eadlbr rR~'listg ranieet used i~ twder is ~1b lids 1 aaa. pS~.~Pyrspeefs Iroa. DomowQ d~dt lmsp tYs toa- a boMdl.r esososd on tht .~..!'_.,, iasarmf f00i by ~ ba~i ta0btdrd Ydtlde- tltt dal p0a:~od'04r~," sad atty otbarlsapetdr ieadwdia~, bur aa[ !>ai6rd to. mthga~n sad 3bodR is wbicti fraadanegallar Tbia inatt:tpteei bt maioudasd ha eht a>aa~ala (,aaadM6 dsdttrdbk f) sad &r Bts piedads ~ LAtrder ssquirae~ arose t..ader latesuanc sa die pase~r~, asaattto.s esm edpiti~s eiai~ tflo tarts at tlrs Leas, Tba hsa~aee tweier la°~S dtt ~aaixtuaa t~ bs edtouA ~ 8aeaasnrer to Leader's tf,~bc io dlp~asa Aoa+r~or'r cLtstca vrtaieb tiabt dtadl set be axataied iratdaopeb$-. Lslder anY 8artse-cr m Apr. ~ cotlnsdiaa tt91h this Ltwas, ciders W s ooe~s e~ fesr8ood shoe detarttsiaefisa. etid tttit~ sarloes; or (b) a tine~itae e~ E6e Piood mnG de»ition and tsae~esdoe arcvioea owd wbareprat sae t~aob time pamrppi~~r ar air ~ ocraa wkdd ra~aari~ amt affect aosb deelae a vaei5osdoo. Boet~otrear da~lf afro bs t~ta~a tar $e pisyaamt of lrgr deer ioiPaeed by the I~eaacd Boa~oy Mati~att A;~emy is eetgYSCtiaa vrlth the tsviatV ~of.~ Aoad toot ~ntt+oiiss sa of~wxieaabyf~oeYtnrer, ft >foa~aarar~ 6i1r m sitadtauda aaf- aF else d abewe, L.mtiar my ohs$tt ntateaiae ae Leader": tmtf Beatootart'a b ptrrobse say expanse. Ltadar b ntldar ~ a to Or 1Polall~t Ot CCY~e. ~beredQ0. ~ e0aseage abaB esoaer L.alafra'~ btet ~' allg'~ qDe peOt~e,~Oyt, ,H~ya~r,roMaq Bat:awa'e sgsdtp itt the Y~ Ot tbe~oRtams oP 1be PtO~ltjf• 1 al(y ririt. O! '~""W ~ a+i~be ptovJdO Slro~tar or Isrrrr then Wlpi pral-lsnsfy bs ~. Haa~a+Ner :a~:n~ ~t the cost ~ the iasarsssae ~ esnoams dbdnarmd~ ~talioa shall iasuresps 8mtssym~ avWd beat ebtsis~d. becoac addltfcgpd elder a<Hoeeorrex sootu+Od by this ~ritp Tart. Thtsa aaaants tdrd! bear isgorax u rsea~tsYrvt~>;~ err nBMq~wlee~y-.WIIs ~t4g~e~rsp~y~q rindreikt~lsgWpaarrb 8t~t647FG0177 ~ M~e~ Eoneq die dart of aRd shat[ be ppriy]~ +vhb ~°~iBP~1 aud~ . npott notion few I.codc Aq ~oee mod br iana~ and eaae~eals of and pdicb /left bs oo ~ ~ - dWl #aataiii a ~d aa>~eot oc+ j~de~'e a~itiaaat ~ Pq~a La~dar ~ tuw ar ~~ ~°ea ~ ar naoias. ~Hoe~a~va~~°~ol,p~ ' aW' ao beea~r dt ray ` ~i as, et~ deaaoadpn p~ ~ ~aautpa apt ~ aAd a~ea,~ . rnah ~ ~ ~ ii~t ~aiae pno!' a! leas it ~ ~ mp~ios m t6~ ~yiaraad " nay paoeaptlR a~mae ~ tpador ~d Bpnsw~~, ~ ap~aid ,n- +~'~+y...e +~ w' me tlt iwrm,~w+...,.. ~: ~ ~ ~epvr ~ ~o°goa~ ps a aaw ~ ~ ~ °°d' Udas °° mdp ar 1a . ~ o eae,d~y. °i ""~M~. ~~Lender atattt not M+..~q~.ti„a Paid ant of tbs +od ~0 6e tlpaale ltd dad b` ,ia1! rot ba ~ titr~i6~s a t;~eaieca , ~ ~ ~baxano~n~ipa ~~~ ~ ~' ~. euiopuy ~. past m t?hoppcty Leader ad4f ~ pea~ldad Noel duo 3. aeda aed telpad aetmeea, IHarno~r dnea ant a°° ~' iv.oea~ ~ eafrier hara~nted b aotde a tbon L a-ItSio ~ ~ a aptfw-lhgia~ L+aader~lrt ~ ~ dis apt~pa is ~ivpa, In aWnr ~ and: tet9s ate aiai~. 7~e pedpd w!E! sagp~wpr aarigaa ro Leq~ pr it I.aadpr po~a ~ wd~r ~eadett 74 cr not to axaaad des an:w~s ~ ~e No a an 1a ~1Y ~rm~mp° pagae la na aaaa~ + (attter ~ du- ~Lc to +mY roliad of aorrRapd~'~~?anydbrrafBot~+e J B ~- Property, inter ~ .nor rl~ •e P ~~' of ~' atf itawoiwoo ~ ~ i P~da atthrr to ~ ~. °0 Wa '' Wit, wba6ar or not then dun, ~~ W 0° ~' ° ~ than °0onP9. aaahti~ apd ma the raddeaeo tr~a p~ ~ ~rrow.rd~a +d'ha the eocecader• of dds 8eoorlty Moot ~ ''~ ~Pa1 ~hcewias sets itt a~ ~~ ~ ~ 7tat atler tle daq a f , ~[~adur ~ e~du ria taPoad Bp~•a ~, ~ wi6ridd, or ndewt a~pmsa~a day, ~ ~ and ec the Prrpp~j Lrrpaallonr. Boet~drNee atbw rho ~wU not ~ 8r~aiaa~an~a~y~ ~ ~~ ~ ~y ate, s ~ ~-aiw dns ~ ~a oooeGtlon, t is to dr~.d !~^aac ~' wed to ° a °a>~ny ~w~ ~n ~tp~, „~,~~"°` m conpoattoa .vbb ~°.1f iu~aaa a Yt'.YAMA~ ~ the may. 8ioutowar atudl ~ rrw~rra.~po~~F-~ fh~7e~lsprr~~ w arse pget ~n 9K 1847FG~J 178 .__...... _.___..---__._____ _aalY.lf Lends ~ tslawd peogoeds ibr eeoh ~ ~ ~~ . _.. . eaeq>teOSL Jf the mnAwsoa atom a ~n a r~p~o~aoi P4 ~ die w~ode i. Boa4+eweris pat aelieYed at8aaoowet's poesetU If<C set oo e~{iC ar emM~as lire Propeet~r~ obligetfars yar il~e awopiedao etf more Lnedae or ~ arrssllae{iae, ~t auy wloe t+eaaerbts ee4~es spas ~ ai di. ~°° ~ Lsoekr argt the htttn~or e~ is . ,~ it leas 8ae:oe-er aeries rt $ie thus of or p~'b stab eea ~aw~iatalpaadan ~ tiliwMre. bra a' l~eowwr's Y.ae. baetrlwk eitei~ be b datleeit ~6 eier >~.oeo Bae~ar a ary ids a arty ~ ~ of Baenrwr ar .~ tae ptovldsLseda ~' a i~oatt~r ie~omurson or ehtrsnatiM r LaeMa ~~, auioas oaao~r~gBocraw~ai'6eoee woad cis t~"ae` p...,,-- •~y Y ~. at I+lsdee~a TO~elret iil ~ • ~~ f"r ~0I ~ ~ ~ t i ~' I~118~tr~'l~dta oe P~ the sswagrnr ~ ottotrFoed ~ t5ie 4- - des is s irp! ~ ~ ~ e~ccL~eaee'sltteewt+tla ~s ~bo~-~e~dl6eei~trandethie ~4- t~ ev< a pooeb1 r, ~p~Mp~, !ter ar ~weeotaat e[ a lino whie6 may twaia owe Seemigr a d ar r ar Eel eaee4arer 3~ ~ ~ , ~, ~ ~ ~, ~, w6epatier ie 7eeeruoMtrt, paorot t,+oMlee's inla~u b ~e ~ a0° ~ rite aadAor tba ~edos at tlta ~~ ~ aaa igamae;, Mu eee sat ib~aiaed kn da i e~wor et~taad b ~~ ~ t~,~ is soars ao~i Gq lseeeaeee6iaetttnnoa~~a~ be. ro Saardq- ift aosneat i pe°0e0~tl& + ittciotialti, but in ever limNed 1a, aotseiaF tM P aidaa ~. ~ ~ roplees ce t~s up doges eed wladews, elate water s~ ~4i a' e+>>scr o~ ar deag~eovs e~+odidnep, ,~ Aaw >ae nftoed m ar ~ A ~' eahe aatiop coda tide Seodoa 9. Censer elves sot htwro b do w and ie oat teMttlee any duyr p~ dsio ee ds so. ~ L agreed that Leader iaexrs eb !a~ not taiahg aqy or ~ scsioDS ~oebeed under ~ Saedo+e 9. Aqy enaeaoe d~awd by t~wder tmdar this 8eedion 9 ~ heoaetre addidoetd dobt of BoROmer ~'r bF rids So~dry iaeena~t Thee emq beet inteemet at the Kota nee f~o1u the die of d and ahtiil ba ,paYaYle- wilt sao6 meet, ~ aotico fran Leader to Boexbrsrr >aegn~g P If Baerawer ~Y Joetnimert ~ on a l~ehoid, Bottpwax eiWl cry 1-~ a!t the pro~+iriooe of tt~ laartr. a~reaf to the ;n weielag, ~ ~P~Y. the lauehold sad 1ho fos tk2e d~stl not merge nalers Leaeles emigaad ao~ a!' ~ Pr4oeade; Fat~iitare. All Mieoegapeoaa Pnocoeds ace 6oeo6ty Puri m iendesr. dpwn Bad. web 1~QileoiHuaeaea Rtioaeds ehaA bo eFpileai to map ear rgwir a~f the '~ '~ t~ulOratiaet period, l.aa ~j~ ~~' •ad Leodai's sscnrjtp fe nog laetmad. l~udgg Eerier hMd am'a~ to iaapoat s~ iD hdd aaoh ~ Peacads ugn7 eaddaofiau, pesvideei Hutt erech iaepaoti~ tbaii ~e rrodc h.a boas aoegp>mled to Leadee's ~aaoratioa is a eSagle ~ en is +- arks of may' Lends ~ per' ibr' the nepabae sari agtneataet ~ meiie in writing a Appliewbie Law t aR the wart is Ooaapleled, ~ as ~Mibw to by paid oa vend MisaeUn~ooas i'reoaede, pia~to~rrv~-,sue. r~nar-tmt~ot~r ~ REleel7ics~ee~p_~s (h~{tNgflJpQ~er1 r.gaeouti-r~at~n~~i~ 9K I ~47fi~0179 ~rdt aor be p ~~ s for ~Fboa~d~. ~d~a ~ rem br tm. 9o~,y Ja~nnaart, „~,~~°~' s•aioa ~,'aT, i~ ~ Bono~or. 8ae6 boas i.lt b.,ipp~a ~ m..hiap+t+vt+rd fbr in ~ +l ~ ~ aa, o< Iaa in wma e>F the , ~, lr~„e~..,me ~-~ pai >o &rzowa r~ be wyetlrm, a tsflt ~ ~; .rlUr the execs, if Ie the av~at of a ps~a . a >~ in - aE ttw ralrac of the Fiap~ey- p bafio~+e ttr,a,~!~ ' ~ w~ the Lit rrorlrec ~ ~° ~~6t °°r bs ~r r+aaeie adore ~ viua~ 8onenrer sad ~ baAMrs ~ ~ ar IRSavreerrt s~rdt lre tadaeei ,tierr~ ~ria~ fraoliore b3' Ide arrr ,~~~ f~eewsi, ~'~ doetenotiaa, or toss ~ ~ °~` drs ~ bel6rs P~nfa1 ~. Via. arfors ~a vr~ua~ ~ aae~+st '°~ tie Fmp~rr loresr 6si4rre 1s tlrs eats of a p~, ~~ of vsiae at ire Poopwq mom' batlxe tds ~"oPes'4- iu triia6 Wrr !~ a~ emote d 16e traaoeea Per) , er lour lti t~s ~ lots burp the wd Ialtder ~lfMa ~°t'D tbo t de- or lapi in ~ eaiire: eo~ue~ try t~ t ere t1Nr1 +~ be es du euevs (•e ~. ~ aer~ erateoay 4ffare b ~ o~ ~ '° ~ ~ m Lernierr wi~b 36 ee~, ~,.. t6s drita drs trod it ~7 ti. tR or aft ~'~' ~ ~~~ to adlroE aad $0~' - w1~oe a cot tLss ~ „ ~rsrrf a ro eta esrue esorred by dris ~°OS°~e °r ~ PAY ~ ~tLrrRr ?fott~oaa,. her a ~ ~ ~ sam b~+sr rM1t be io ~1'euh if mY ecdea or ialstert ia~ oooW zoarlt is o of tbs Ptopanty ~ a'beiasi' le ~d ~ ~, d~3ssed ~ ~ ~ ~eiq' ~ dsfJ~t'md- # ~ tm~ a~ ~ aad eWril !n tlie~ r~da, ~tarr~da~ alt ati~ur s~ h ai~c for ~ ~ la dre acdeePsari~isdloriq 9eatloa2 ~ not iO man a sepelr of dte Pnrpeny aiWl ba sPP~ed ps~oreRt ~ ~ ~ seatR 1Vet a Wahae- Bxa ~ rbe bore far ~ ~' oao o! Hauwwer r~hdi: S~ uitY~~t ~, a Snoeaesor is Inooer,E ~ Sara or to ~ ~ sD 0°'°1g1~e of the rsa~ tamed y, rqs Y haoq'nmspt mean ~ t?~at ar , ~ S in Lrtarau of $areowar. ~` mr dsaeeaA nude ~ ~ Bar+ower a iegiudia& wdtsout ltadtarlory I.~dee"e eeoep ipca ~ ~~ P«autitr iOs rr~anw.e.„,}-,.,K r~w,aevyl'rsA~+~ Tigprptl'~4gp ~1~1R 81t 1 B47PG0 ! 80 ei BoQOwet ar is smonab lara tam tlee aaeo~mc dxa dae• rGatl aat ba a vrol~-er d a peechida lbe a~cadro d aq ~ or raaad7~. _ --- .- -.~.~..~li~ll~.-i i • and AMipt Hw~W. Boer ca~aats .---- ----- and sBeaaa tbnrs ~+~' +'6h',iobat'aed wo~+.~ aoa-erar~ cows ms Seeadq- Tn.tna~ewt taK daaa not aaa~alatles Novo (a "oedP+r ~ Is 8 .. - . . Inrlraaeaic catq b aerrtp~ ~ sal ao~a~- ~ ca,dpaee"e la e>ta aad is aotpanoaa~ nWiptod 1o da wansa.ouomd (a) +Aceaa thal ta~der and asy ottlar Baao~rrer ora a~+a b e>rfoad, , wear oe dufmt wda ~ to dta cornea of thin Seoarity Tarttatooat or ehe ATote ~iwt.~tbe eo•aiPn~s consent. Sp#~t m du ~ov~s of Set~oe-17* stgr r is bate d 8aaro~aer wbo a~a Boaawcr'a ~ nAder ttat tieoneity Olr` 10 and b wppeovrd 67 Leadrr. ~ olanit ~ of Basaraa~s and h ender ~ Beoreigt Jr~nweoa. eeeeaiwae sLaR Veit bwe tuiaawd $saa 8aera~rae*s obBpla~ sod ~y tmd~t dda IuetcumeM Y.eade~r oBpeee to wait t is aalttns. 9'ha ~ooaeae~s and spaoavaa of f1~te ~etnaoaac ihail bta+l (oftoept ae pnsrldei ~ $eadao 19y aad ban.6t the ~aoeerrooi aad see~pne of Laador, 18. LMa. beadae angr a6atPa Bpaawer fear far saMsea in oooaaeaioa with Boeeaera~'t ded~. fas Sea t of Landa~'a ttlEOead is tla ~eq~- mil, tilt u~ fm sow fettsbeaa ~l~oltad ta, wpgageya' than, P'~P~! ewd'r+ ~•~ try tlaaarMer #ifB cwt l+e caae~ed ai n Pn>~aa~~ ~ p dataroaa~per~-Peel~a~dh-dds8aa~tInattatma~arby ~~Lae~r~o. Loa~do"e,a~-a°`~taea If ~ toan is ai~oa m a !tw whia6 sots be+e sat tdt taw b 1'lealiy iotaepnrad so that tiia`~er~t or other Loan ah~raea aelleoled ar a hs aatlae~i +maar~oa w~ 1Gei Latm eseeed duo P+e4it+ed ~ tMw (s~ anpr tuoh toga ~ r>iag ba reutiwrd btr fate soroont aeeraeUgr m wil~tes dra olwePa w dae'pro~leQ t aad ~-? ~' auras ao0ea~ed 1~ Boetvwae rMGii aaeeeded p~tlod wBl be rsllrrdad to Boaotww t~der fart' aiaora eo maiee ~:alired Gr P~.~ oaead radar 11ra Naa ar ~ m~leipg a dlt~t Pay~awu to 8orson-ar. i# r r+elltied iaira~ Ois caidfiaN wilt ba teaead as a Patti ~ wpboac antr p~re~leQt ~eqO (~bed~C or aoc s ylpoprNpaet aherBa t! Pror4ded~or aalar drs >- B~+wir'R of say audt rated n~la ~ eBeea pat~mrat o0 8orn>war srillaarudaeaaMnivMera~frmD'rt~tdao~ tluwaadai~aatotaaeb 1+1. Nalior. A11 ootkea l~ 6t' eo~tvnm ar 1.aader to ~ thia lwoarneat 4s-u 60 ~ atftias. Mry nOtioa 1a Bacafwer Ta oomteotbon widt ~ ~sctrGP ibeil Ga tleaaad to have Goat Btvea ro 8ottawer wbm mrdied Gy tGrt cles aa~ ce' wbe~e aoWVly daltvaad w Haerowa•s toetae ~ i[aeMt by olhar maar. NoekO a aay oae $aro~var aTull oooeomela notloe m elf $oleaaKra naleee twn agOreaty aia~w(~a.1'ha nettoa adr)tnt ~; ba ,tar Addioae nalesr Bacmwer IrAr daeiPnatrd a ru6edpote aotiae adda,ee lry aodoe m feeder Honow!ee~ prpoptly nedfy teach of 8atotNdrs obaga of eddaeee. tttandec a PorPor Blonpaap~'• oP addnear, tiasr Baoower abrU only roped a eliaap of adcteees tom, fiat apaei6ed pgardgre,l]liera oreg- be __.... _.._...._....... .__.r..__.--~~adeaya~ead-notlaeadcirsrrw-doM~,4e~p~iq',rc,segr.oredcde.Aay.teetJbstp~ar~it_. .. . ~ 8th ti!' i ~ or hY ~1ei it by fiat olua taail m Laadai's addeee~ shfrd tworpin otdar Deader Lse de~wd aaolha~ ~ddraae by sotlca iu Bnoowra: My antics is oeaaeodaa ~ dd, Sanne~,y laanenent shall not bs deemed to have 6eca pivea ao taodee auGl aoet~atll- t~irad by laada: 3 any tiatie+e rc~Pdrad Iry ow a~pood~ ~t ~ dnt Seeurhy 1~Laa• the APp1e Lw ~ vvlll atisf'1' lBtaVSYLYAIff~--I'~raial~~oiW 87' n'a<t:IrRaoema.-tee (ArW/0a115pVet1 T.e~erDldgA~ralgar~7f ~ I ~47PG0181 Lew e,afda Lw ~ ~ ~ ~ ~''~ abdl apc 5f caeptpeai ~ a ~ ~ a ~t ~YP~+~oo at'd~1~~.orl~ratd~el~eeeea~aS~A~+°~~af. ~ be pao~a` pvri~faar of riffs S°p~- t or tbs tTq~a p~ aM~ bs c8~cc As seed 50 ~'`~ •nsr W t„~ ~' ~e °08 dolwor words or wosds o[,tbs ~IrtLaine ash ~ ttts~a awd isalode 3~alode the 1~1 aced vloo watt; sad ~~ ihta shard (6j N^ottta Ia tisae ' ~ aaatool atatd ~Y'~ Vela sofa diseredop , ~, m Odes ~ ~ Zlrabrtiftr dt~se ~ t~ ha ~ q1e eopy utths I+~pO+tod esf d$ tt~ei of tLs ~ TWs iNo aspq- 6c draiored ~'llatr asd P~~Le~ ~r anattb~~ib taToodou 5718 cf°aY R tpt~ tLa ~' of t~ aa'tthe IoNa is ~ Mader ssaaiaos ~ ~. i'ld~e 9f- tJRrced ~tw ca~ia. Ptot-iaie ~ !~ ~ m# Iola t1m, 90 days tom the dote dte twtloa y ~~az ~ ood00 shaft saaao Pdttr m~ lea a~f tdia~l Leader ~ ' bait. a~orso~ oo p,d~4 c aeMeo ~ ~: ~ $~ Ltroke ffiY tetue~ea pecmiwrd ty t)do ~' 'e ~ to $ . ti 8srnanvsr ~ ~ ~~rC~ "itl~` $°onriq' ai'°oa~nd BOaOM"ar {~? t~ L,amiar+~ etmta ~~ ~~r ~ ~ bed ~-aennbal; th3 cures auY o[ other te~mettt I~ s a E itN~od i, this 3eatdgr ~ ~ ~°f (e? p~tyn di tnttaapc ar~pd tgebat~ ,~ atud adj. bout dor the ~ AaaeattWe +~` thia °~ 6 ~'e to aartst®e rice tesd>~at ..a~ , w rvear,t myr ',~' ~ ,~ •aaamsd thin ~' tattra~t ~ :du~I °°"tiiMt° foram, ass aAebcxrd yy I,~; (aJ ~ } is cttas or tttpeo o~'ti~e 6 Pfd ett~p meuah a~ o~;q~} ob°°it, .'e a ~ q ioson~abl ~`°~' tTpoR iaatgad ora~et+pl, Rotyearcr this - ttb~ia ~ by B°am~ r', 19. Sete ~' ~ Ii~1y ttt~agi,re ate ttta ~ Lod eppiy ie tbot!ue td' eaaf~l sa~laor i7, ~ ~' ( ~ tins ~ 't ~°tloe o! (ice TLa Nobs ar o ps~t lataroet in Ban+uwa A wade might aestth ~ t) ~ be sold oae a tnioas dnyas y Prior ttotioe tD Pay meam due order tLe Nets aqd this ~ (lawwn av tbo "Cosa >~ ~eom Pbriadio mow oopdMar thrNMe, r61a ~ mart ~ oQser ~ ehsa~es of the Loea Sauvicar usushur~ to ~ ~Mw~'TA6aee also ~ oae tm o+oa+s Baar»wtir vre~t he givsa written aorics o[ tLs adtp~ whieh wW s~ dta aAa+e~ ~A ~~~ of tha: tteiU loan rBrD~^rcv,~ RaaUr-1 ataaaymw~ pot+ f~ /1 °11sPKr++1 n a~a~ tn°n~i 8~7~~70 ~ a5~ ~ addteee ~ +ibonfd be ^oeds aad Lora 9aMkR wy~ °E mar ®[ par tlhs Nola ie sold. aad 0° RES1+~1 ~ogaim In =~erdn wgh tM Lam as to a~ a loot aor~aag , ~° ~' atdeea Lse~ ~ ~ I.oaa said are oa ~d ~, d~ Near 8ow~ nor JJooiint~oa~d 1m~temneat ~ ~ ~ ~ obKprr{y's aA~b seoa~r moil sorb ~' I+w+~ton aF. er aa,Y- {~ blr rta~Mt o~ ~wcerl.oader y~ ebb ~~~d8oc1fea14)ofrso6~i~ard ~ dime l ~. a~ ~° ~ ootlos to doe aepestlre ae~gt, ~ llbatitee~~t[ejr>taenoo ~ aalyio aake ass be P~~e I,at- J a l~8aedoa ~1 mdoe ~ °~'~' b obe ~eob w mooed b ~4' ~ gvtlaa and apreAtadgr a ~~ ! ~ 19.17 ~ '.Aswed~~ ~ boao or mme~dooe +u~q,.oap ~ ,~ " se. lboro aY ~ Lw a~ud ebc ~, eot o~ s~ ~s~e pr. ~p~vlbgeb~AdM eod ~ ~ t~dast lswer std lbp d r~e~ wyens d~a ,;~ _ aedaa. prait+odua; f~l ~ 1bat. or a ~ l° (~ sa ~ ~~eo.ar ner ~'~°e°p rrla°° sq- '~' ~ro~l- t+l' dee m do,,i Ibe et or fe Wo y ~8dard m k ~orae~- ad' snprll d ooa ~i0 ~Pbb' ~ bau ant kited W. is °~.~ oar apd b ad Barrorrtr ~ 7 !tom Li4aloc h oo.po,~ o< °,~' ~ r,~- a ~ ~.toh- ~ ' ~ ate, >~ ~r a~ of~ , ~ '~° - gad ~~ ~ ao< llatttd aoaat l a-l ~- 9 ad to a~- ~ of ~7' bo'tsl a ebe veMe oC~he I~nopeegr, lr . ~~ or ~ a ~ ar ety NIvats prcgr ~ pq, r~aovd ar oAtec='p~doa of ~ tai ~ aooan ~p`opab' k n.°est+a:Y. abap pa°'n!'~?' ql~e ~ ~ Laulafarat~AdCleaa ~W inv. 1Vo tgein aipol ~ ~Y M00~rY tcansier aI ~,~~ ~t° o ~ oaa Pe~+at of dia 6alaaoe e~f dda lotm ~ d tbo dewe of etvslae lior du Daprupoao~t of Y Atl'a5s. If ~~ b tbs low heldar orb ~ ~ Pao atoll eewdttue ~ tddidonsl dell w tope i~ m pay t}iie tbs at tlwr dote app dte hc,ein peevl~, ~~ ac tba option •o[ Arn payee shalt boat Malt at#6a ratty ~'>~RbYt.YAI~iIA.-.~Sai. plrAil ~Y ~eme~ or au~r bhp ~, mwtrra+:pon}-~ IAr~eR4jlsps~,eq teoe,rore+e~rr~oa~°~ 18~7PGfl ! B3 poanrieimes eel ~~~a ~ fm is arlpy wed u the air m eote~,t. ~ tie aeot ~bY~ ~~ fay of ~ ~egr a ~ ~ ~ +aooeai 1he11~ ~~~ss ~ a[ ~s tarep ~~ 37•~~~~Ees[lDda dVeleneaso of tie 1be vehesn rider at ~ +~~°ih' ~ aD Mauve sD ~arve~ ?~ tbeees aeet~ tir ~ eeet. ~°°~ ~ r.tf l ~n* aje+ss~ ~ wdr 8 e `~' ~' ~ tM1 fha ~~Oir; w ` lw~dre ~ ~~~ 6ll~lse Io astrr ~ ~ ~ Gi'wiiee~ s~ia ~ti~ Peu~eea~r Le~ir~r ~ ' ref„ M~~ ~ ~ •~ Nas~let N apre ~ ~ i~wa der etOa ~ Ir Mme s4er~a~~aNoa er ll~et+eeee+se er ~ ~~~ M~•eelsraeeea dsi dean ee: atq Ml~ ~la0'~eet~ Lt1 ets$s~ae~s ~l~it ~ ' IA^eise• M tae w~eWet~ ~ soa+~Iose ~ 8eaetlf~- beec.ot ' i.ea+trstl ~ p~ q;u~' ~ eNrM a ~ ' 4n aert eea aLWfe a H.~ ~ apt des awae ~ ~e~ac of eB aruseeo~ b7 t41a ~~If ~iMeiMLaw. '~ at«, 6eeaae - I, tw p~maK. ,~ wed. ~ aerie ao, t~ ~~eoeeac ~A~~~~ ~~ ~ ~~ da#6oae L p ~ ~ °'~~ PmNt~eQ 6~r APP~We 1.agv~ aid PMT doe stay pt's ~ ' saes IMe beolllt et ~ }*a~meet a °p' >~ R ~ eal sale, asi t,` ' ~ a ,°d s0~io~ is dnv era w oa: ~ eak paranwc a, rleis seamy per ~ iKory~., if,my of ab a~bc seaaed 6r leis Zgy ~terat A~+cty'. leis 8aeeeigr tba~ bes A ~$' t b Ieni eo a ~ Note T . ~ ~maxeR> ~ a,jud~t is ae$oe of e~te tayeble horn f$pe yp ~qe ~ i'~nriu~rtM.~,y~ M~ ~r ~=isN.1a (oaf p..~ !MM/3~flJpr~ T~~~~ieOAUD~~~ 8K 1847PC~ ~ e4 Vie, (~1 -aaoarar ~YLVwN~y„~,FOIU[T ~s~K prn~ f~ /I rp/lipv~try b aer elk tio-17411gD~j,~ ~!(t g~G7PGQ 1 BS GougtYnf l'/f~ie~ai.d Oa ~ tl~ ~1 ~, ~. ~ ~ 4~Ib ~° mod ~, pcsonal}y appal p L ~ ~~txoredl to ba~p~~ f~ ApE tasQv~~ aad ' aoat~iaed, a'umo~ged ms aaae far fhs pp~p~ nv ~'n'xsss ~- i rosocmy ~a aaa affi©,u.~., wt~er Reoo<d+as xo~ ro: OaM~MSq g Div~ilie~d ~Aq~e aa~~ ~~'»°i~ ~. ~,,,~ Mt+y1'~ PI~SriVIi~ - ~8~+4 rrr-azo,M.,st„~ rmay_.tp~p~ a+mrxt~rr nwm~asaee,,,..,,a,. fAq~ell ~fts~J TiaprgRt. 1~1T~ 8f{ i g47PG018~ ALL TEAT CERTAIN tract of lead with the impr~te t4ereon ereoted situate iu Dickinson p+ausYlvaa.~.a, bid ateQ deed ~ Cugberlsad ~tY. Nilliam B. Whittock, P.S. dat®d October Z~ g~69, aas fd], ,o~,a: HE61NNING at as iroA pin, in i.slative Route 21034, now k~iown as aurat gouge Roatd and forn~eaciy sveMetiae~ called $arntita l~3.ll Road, which ircua p~ is gouth 31 x7.1.20 feet from the, ceatnrline oP ~$ 43 mimttee ~t ao K¢dt Ol4 YVrk J[paGl, at .the ].fee I~~3.® ativw Aenrr~ ~s.cop, 7®owri Leatar S. Dunt~ thence alohg the latter nth 76 ~ fos~srly of ~aarmtee Est 216.00 Beek to as iron Pte: tbesiee sd~~l0ong the asp, 8auth 31 degrees 43 miuutts ~tst 153.00 feet to an 7:raai at line of land naw or forme;ly of 8tiae= thensae alaoag the Pia lattex, South 77 degrees 12 minutes 46 8e to an iron pin iu °~ Est 2~:'7.4i feat House &oad and fozae3rlslative Route 21034 how kaowa as Ruxat Y sometimes called Barnfts Doll R~-df thence along said Surat House Road. l~osth 31 des 43 mi:mte~s Meet 148.50 feet to an iron pin, the Place of 88X}, and o~p~.r improved with a split level masonry and farame dtin:].liug ~Pmvee~tts With mai.lirig address of 863 Stunt House Road, Carlisle, Penns7rlvania 17013. in Deaok "tT~"S~Vo ~~~6~ to restrictions as net forth ~9e 474. BRING T8E 8Al~$ P~ISR8 NgICB Paul C. Keifer and T.t;i,sha L. ~Geifer, by deed to be recorded esim~taaeous~r ,~ i~,. o#fice of tibe Recorder of Deeds of Cumberland Cwt ~ Conveyed ante Michael D, pe~,b mid Brenda L. [~e3b_ Y' gacaated end gK ~ g47PG0 ~ 87 P.O. Box 122s charlotte, NC 28 201-1 22s June 4, 2007 ~Resau- ~ ~ z a ~e: suswr~se Ro ~~:st.E as hots ooeea~~uea.es+ RP.: Wells Pargo Home Mortgage Loan Numher 0631397288 Mortgagor(s): Michael D. Ceih Brenda i.. Geib Mortgaged Prcmiee~ 863 Burnt T~ause Rd. Carlisle, PA 17013 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE MORTGAGE ASSTSTANCB PROGRAM HBMAP may be able to LA NOTTFTCACTON BN ADJUNTO BS DB SUMA TMPORTANCiA, PUBS AFECTA SU DBRECHO A CONTTNUAR ViVIBNDO BN SU CASH. ST NO COMPRBNDE BL CONTBNDO DB BSTA NOTiFiCACiONOBTBNGA UNA TRADUCCTONTNMEDiTAMBNTE LLAMANDp BSTA AGBNCiA (PBNNSYLVANTA HOUSTNG FTNANCB AGENCY) SiN CARGOS AL NUMBRO MBNCiONAD©ARRIBA. PUBDBS SBR BLBGTI~LB PARR UN PRBSTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM' BL DUAL PUEDE SALVAR SU CASA DE LA PERDTDA DBL DERECHO A REDTMTR SU HTPOTECA. ~/ 7~- / ~ ~l ~ vii This Notice contains important legal information. Tf you have any gaestions, representatives at the Consamer Credit Coanse[ing Agency may be able to help explain it. Yoa may also want to contact an attorney in yoar area. The Local bar assoaation may be able to help yon find a lawyer. HOMEOWNER'S NAME(S): Mshael D. Gtib Brtnds L .si PROPERTY ADDRESS: 863 Barret Rena . 1!d_ Carlisie, PA 17013 LOAN ACCT. NO.: 0631397288 ORTGTNAL LENDER: CURRENT LENDER/SERVICER: WELLS FARGO BANK, N. A. HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM TF YOU COMPLY WITH THB PROVISIONS OF THE NOMEOWI~R'S EMERGBNCY )id~,3RTGAGS AS~flTS'1'AI~B ACT OF 1983 (THE 'ACT"), YOU MAY BE BLTGTBLB FOR EMERGENCY MORTGAGB ASSTSTAIVCE: • TF YOUR DEFAULT HAS BBBN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • iF YOU HAVE A RBASONABLB PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • TF YOU MBET OTHBR BLTGTBTLTTY REQUIREMENTS ESTABLISHED BY THE PENNSYI.VANiA HOUSING FINANCE AGENCY. -Under the Act, you are entitled to a temporary stay or aanre ort your rne~rtgage ~ irty 0} days from the disc of this Notice. Dnring that time yon meat arrange and often a_ "face-to-face" m cpn with one of the comumer credit connselin ncies listed at the end of tail Notice. T PLY F " F PL R R R T If yon meet with one of the consumer credit connxe in : nciaa etc at t e en :: notice, t e lender mayy NOT take action again:t ou for thirty~3t~d`ya after the date of this meeting. The names. addreasec end tRtenk~nw .~n.,,~...~ n n: ~ u only necessary to achednle one e your en er imm iate Y o yonr intentions. APP T T A A B -Yonr mortgage is in default for the reasons set ort ater in t is once see o owing pages or specific information about the nature of yonr default) If yyon have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the F~omeowner's Emergency Mortgage Assistance Program. To do so, yyon must fill ont, sign and file a completed Homeowner's Emergency Assistance Program A lication with one of the desi~tiate consumer credit coon:cling agencies listed at the end of this Notice. Only.consnmer credit coon:cling ageacies have a plications for the program and they will assist you in submitting a complete application to the Fenn:ylvania FIonsin Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your~ace-to-face meeting. YOU ],elI1ST FILE YOUR APPLICATION PROMPTLY. TF YOU FAIL TO DO SO OR TF YOU DO NOT FOLLOW THE OTFiBR TIME PERIODS SET FORTH TN THIS LETTER FORBCLOSUAE MAY PROCEED AGAINST YOUR HOME TMMBDTATELY AND YOUR APPLTCA;1'TON FOR MORTGAGE ASSTSrA11~B WiLL BB DBNTED. 00lN!/!16 ~j Available funds for emergency more a::iatance ue very limited. They will ~s xrr:et t e Agency under the elig~"hility criteria eaablished by the Act. The Pennsylvania Hosting Finance Agency has sixty (60) days to make a decision after itreceives your appluation. During that time no foreclosure proceedings will be.pnrsued against yon if you have met the time requirements set~orth above. You will be notified directly hey the Pennsylvania Housing Finance Agency of its decision on yanr application. NOTE TF YOU ARB CURRBNTLY FROTBCTBD BY THB FILING OF A PBTITTON TN BANKRUPTCY TH6 FOLLOWING PART OF THIS Nf)TTCE iS FOR INFORMATION PURPOSES Olyi.Y AND SHOULD NOT B8 CONSTDBRED AS AN ATTBMp'T TO COLLECT THB DEBT. (Tf yon hose Bled bankretptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it np to date) ~T,~,)F~,QF~'j~j?BFAULT - -The MORTGAGE debt held by the above lender on your property ocabe at: A63 Burnt Hone Rd c.~a„~~_ t ant 3 ~J JGR~uUJLi rlv uarnu~r Decanae: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMF.N'TS for the following months and the follo~vin~amoanta ue now past dues - -You may cure. the default within THIRTY (30y DAYS of the ate t is notice BY PAYING THE TOTAL AMOUNT PAST DUB TO THB 1CENDER WHICH I$ ~ 2 742.54 PLUS ANY MORTGAGE PAYMENTS AND LATE CT3ARGES WHICH B~?COMF. DUE DUR G THE THIRTY (30~ DAY PP.RIOD. Payment: must be made either by cash, cashier's check, certi ied check or money or er made payable an sent to: WBLLS FARGO HOME MORTGAGE 1 HOME CAMPUS X2S01-0iH DBS MOINES, IOWA 5032 S You can cure:ny other default by taking the following action within THIRTY (30) DAYS of the date of this letter: ~~ YVU W 1V(JT CURB THB DBFAULT - - if yon do not cure the default within THTRTY_ (.3Q) DAYS e a ~s ottce, er mten ~ to exercise .its ri hts to accelerate the mo debt. This means that the entire ant:tan rug ancc ~a a wi contt ere ue ~mme ra y an you may lose the chance to paT the mort~a ~n monthly installments. if full payment of the total amount past due is not made w~th~n THIRTY~i0) DAYS, t e lender also intends to instruct its attorneys to start legal action to foredose stt+on soar nnnaaQed orooerts TF THB MORTGAGB TS FORECLOSED UPON - -The mor ed o er will be sold ~B Tx p ~ by the Sheriff to pay o e martg~a~e e e en er re era yanr case to its attorneys, , nt yon cure the delinquency before the lender begyna legal pprroceedings againatyon~pou will still lre required to pay the reasonable attorney's foes that were actually incurred, np to 350.00. However, if legal procee ~nga are started a~ainat yon, on will have to pay all reasonable attorney's fees actually incarred by the lender even if they exceed 50.00. Any attorney's fees will be added to the amount ou owe the ender which may also include other reasonable coats. Tf yon arre the default within the~HfRTY (301 DAB' nerind. ono .:u---t---------~---- OTHER LBNDBR RBMBOTBS - -The lender may also sue you personally for the unpaid principal ancc an a of er sums ne under the mortgage. B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION ooeaa:rose sure mor e. Carit~ yostr defonlt in same posnion as ~ yon had never ,_A~ _ If you have not cured the default ngs _ eve gun, vent still .have the ristht manner set restore yoar mortgage to ' - It is estimated that the earliest date that each a eri 'a Sa e o the rnartgage property con a held would be approximately six (6j months from the date of this Notice. JJ[[ nonce of the setae] date of the Sheriff's Sile will ltt sent to you before the sale. Of coarse, the amaant needed to care the default will increase the longer you weal. You may find oat at any time exactly what the required payment ar action will be by contacting the lender. Name of Lender: Address: Phone Number: Fax Number: COMaCt Person: Wells Fargo Hone Mortg~ 3476 Stateview Boulevard Fort Mili, SC 24715 1-800-766-0987 803-396-0063 Claris Townsend ~~!~GT..+QF.~@~IF.1~~aS.Sl~L~ -Yon should realize that a Sheriff's Sale will end yoar ownership of t e m a property antl your right to occupy it. if ~-on continue to live in the pr~p~rty after the Sheriffos~a e, a lawsuit to remove you and yoar furniah~ngs and other belongings could be atarttd by the lender at anytime. ASSUMPTI N OF MO1I:TGAGE -You may or not sell or transfer yoar home to a uyer or trans eree~w~wi11 sesame the mortgaage debt, pravi that all the outstanding payment, charges and attorney s fees and cats are paid prior to ar at the sale and that the other regairements of the mortgage are satisfied. YOU MAY ALSO HAVE THE A1GHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING 1~1VS'TiTIITiONTO PAY OFF THIS DEBT. • TO HAVE THIS Dl?FAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSTI'10N AS iF NO DEFAULT HAD OCCURRED iF YOU CURE THF. DEFAULT__(HOWEVER YOU AO NOT NAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREI?r TIMES IN ANY CALENnAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DocUl~rsENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELiI?VE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. GROGRAM ~~jj~~ERLAND CQ~jj~j'1'Y CCCS of Western Permsylvania, Tnc. 2000 Linglestown Raad Harrisburg, PA 17102 FA1X~ {717} 541-4670 Financial Counseling Services of Franklin 3t West 3rd Street Waynesboro, PA 17268 (71 ?) 762-3285 Urban League of Metropolitan Harrisburg N. 6th. Stn:et Harrisburg, PA 17101 (717j 234-5925 FAXg (717) 234-9459 Community Action Commission of the Capita) Region 1S141krry Street Harrisburg, PA 17104 (717} 232-9737 PAX# (717} 234-2227 YWCA ofCarliele 301 G Stn:et Carlisle, PA 17013 (717)243-3 R 1 R FAXfE (717) 731-9589 Ada m s C'.ounty H onsi ng Authority 139-143 Carlisle St. Ge sbnrg, PA 17325 FA~(717)1334--8326 The Pennsylvarria Housing Finance Agency can be reached TOI.I. FRAF at 1 (800) 342-2397. ooeaaa a~a P.O. Box 1225 Charlotte, NC. 28 201-1 225 June 4, 2007 NIGIAEL D QEI• NS Stl~f'i'IbItSE RD CNLISLE pA 17015 oesaa~isas~.a~ RA: Wells Fargo Home Mortgage t.oan Nnmher 063t 397288 Mortgagor{s): Michae{ i). Geib Brenda i.. Geib Mortgaged Premises: 863 Burnt Houle Rd. Carlisle, PA 17013 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FQRECLOSURE The ANCB FROGRAM (HEMAP) may be able to er of Consamer Credit Co (717) 780-1869). This Notice Contains important legal information. Tf yon have any gaestions, representatives at the Consamer Credit Connseling Agency may be able to help explain if. Yoa may also want to contact ~ attorney in yoar area. The local bar ~soaation may be able to help poa find a lawyer. LA NOTTFTCACION EN ADJUNTO ES DE SUMA TMPORTANCTA, PUBS AIRECTA SU DBRECHO A CONTTNUAR VTViBNDO EN SU CASA. ST NO COMPRBNDB BL CONTT3ND0 DB'BSTA NOTTFTCACTON OBTENGA UNA TRADUCCTON TNMBDTTAMBNTE LLAMANDO BSTA AGBNCTA (PENNSYLVANIA HOUSTNG FTNANCE AGBNCY) SIN CARGOS AL NUMBRO MBNCTONADO ARRTBA. PUEDES SBR ELEGTBLE PARR UN P'RESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDTDA DEL DERECHO A REDTMIR SU HTPOTECA. HOMEOWNER'S NAME(S): Michael D. Geih Br PROPERTY ADDRESS: Carlisle, PA 17013 LOAN ACCT. NO.: 0631397288 ORIGINAL LENDBR: CURRENT LENDER/SERVICER: WELL3 FARGO BANK, N.A. HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM TF YOU COMPLY WITH THE PROVISIONS QF THE HOMB01~TEtt'S BMBRGENCY AORTGAGE ASSrTSTAi~#CE ACT OF 1953 (THE "ACT"}, YOU MAY B8 BLTGT13.E FOR EMERGENCY M©RTGAGE ASSTSTAI~CE: • iF YOUR DEFAULT HAS BBEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL. • TF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • TF YOU y!B"BT OTHER ELTGTBTLTTY REQUIREMENTS ESTABLISHED BY THE FENNSYLVANIA HOUSTTiItG FINANCE AGENCY. -Under the Act, you are entitled to a temporary stay ores osare on your m ear irty 0} dap: from the date of this Nonce. Dnnng that time yon must arrange and otter a 'face-to-face' meeting with one of the consnm r credit conns~elin ~nc'r~t listed attire end of this Notice. THIS.M`B87"TT1TC MtTST []["_t:I~g tas[u~risasr uav~r T Tf you meet with one of the consumer credit ~ncres late at t e en t ~: noece, t e lender mayy NOT take action against ypon days after the date of this meeting. The names, atddresses and telenJrrnc n~tnT,rrc ~ p ~ is only necessarq to achednle one e your en er imme late y o your intentions. A F RT A E A T A -Your mortgage is in default for the reasons set >llter in t is once nee o owing pages or specific information abort the nature of your default.) Tf qon have tried and arc unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Prn~ram. To do sa, yyon mutt fill out, sign and file a com~eted Homeowner's Emergency Assistance Program Ap licatson with one of the de:i~riate consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have appplications for the program and they will assist yon in snbmittin a complete appUcation to the Pennsylvania Horuiag~ Finance Agency. Your application MU~ be filed or postmarked within thirty (3Q} days of your face-to-face meeting. YOU FILE YOUR APPLICATION PROMPTLY. TF YOU FAIL TO DO SO OR TF YOU DO NO~LLOW THE OTHER TIME PERIODS SBT FORTH TN THIS LETTER FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLTCA;T'TON FOA MORTGAGE ASSTSTANCB WILL BE DENIED. ees~++ssa -Available funds for emergency mor a assistance are very limited. They will ~a rs a gency under the eligibility cnter~a established by the Act. The Pennsylvania Housing Finance Agency has sixty (6fI) days to make a decision after it receives your appl+cation. During that time no foreclosure proceedings will be pursued a~ainst yon if yon have met the time requirements aet'i`orth above. You will be notified directly by t e Pennsylvania Housing Finance Agency of its decision on your application. NOTB: TF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION TN BAN[RUPTCY THE FC~LLOWTNG FART OF THIS NOTICE TS FOR TT~TFOR ATTON PUAPOSBS ONLY AND SHOULb ITT B>l; COI~RSTDERED AS AN ATTEMI~ TO COLLECT THE DEBT. (Tf you have filed bankruptcy you can :till apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it np to datey. ~~ d ~ THE D>&FAjjj,-'C- -The MORTGAGE debt held by the above lender on your property ovate at: _AA3 Hnrrk Nome Rd ,~~ji~e_ PA 170113 _ IS SERIOUSLY TN DEFAULT because: A. YOU HAVE NOT MADE. MONTHLY MORTGAGE PAYMENTS for the following months and the followinR amounts are now past due: April 2067 - juM 2007 S _ 67~_ s4 1~~~~~[T~T.- -Yon may cure the default within THIRTY (30J DAYS of dates t is notice B P HB TOTAL AMOUNT PAST DUB TO THB LBNdB>t WT• TS ~ 2 742.54 PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH B~C© DUE DUR G THE THIRTY (30 DAY PERIOD. Paymeno must be made tither 1>9 cash, cu check, certi ied check or money order made payable an stn WELLS FARGO HOME MORTGAGE 1 HOME CAMPUS X2501-0iH DES M01NES, IOWA Sll328 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: iF YOU DO NOT CURE Tt~B DEFAULT - - if yon do not cure the default within THIRTY (.~O) DAYS e ate is ce, er m en ` to ezercite its rights to accelerate the rksortwe debbt. This means that the entire outstan~'~ng T~afance o t ~s emit w~TlTc~si ere ue ~mnlttT}att y an you may lose the chance to pay the mor in monthly installments. if full payment of the total amount past due is not made within THiR'I~0) DAYS, t e lender also intends to instruct its attorneys to start legal action to foredooe noon veer mortstsged orotxrty. TF THB MORTGAGE TS FORECLOSED UPON - -The martEaged property will be sold by the Sheriff to ay o e mortgage a teen er re ers your case to its attorneys, but yon cure the deliny~uency befpore the lender begins legal pprroceedings againatyon~yon will still be required to ppaay the reasonable attorney': feet that wire actually incurred, up to 350.00. However, if iegal proceedings are started ay~aintt yon, on will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed50.00. Any attorney': fee will be added to the amount yyo~n owe tbt hender which may also include other reasonable costa. Tf von sere the default within the'THTRTY f~l DA's' nerind. vnn OTHER LIBNOBR RBMEDTBS - -The lender may also sue you personally for the unpaid principal once an a at er sums ue under the mortgage. B. YOU HAVE FAILED TO TAKE THE FOLI,OWiNG ACTION eosae~rs~a care proceeding ttws' e..Caring~,yoar defaalt in same pasa~on as if yon had never Winer set forth in this no _ if yon have not cured the de ave n yQa s 'll have the r ar ten ' ae reason ostt nnec wi t ,anv er reanremcnts nn of wm restore yoar mortgage to ' -1t is estimated that the earliest date that such a S eri 's Sale o t e mortgage property cou a held would be ap ro:im~eedyy six (6) months from the date of this Notice. lltt notice of the actual date of the Sheriff's Sale will be sent to yon before the sale. Of course, the amount needed to cure the default will increase the longer you wait. Yon may find out at any time exactly what the required payment m action will be by contacting the lender. HOW TO CONTACT THE LENDEA- Nasse of Lender: Address: Phone Nstmber: Fax Namber: Contact Person: Wells Fargo HossK Mortg~ 3476 Stateview 13oatevard Fort Milt, SC 29715 1-500 766-0987 Sf13-396-0063 Clarice Townsend F>BC•r Q~ Youshould realize that a Sheriff': Sale will end yoar owaenhip of e mortg~~ed arty an your right to occupy it. if ion continue to live in the property after the Sheriff s Sale, a lawsuit to remove yon and your fnrnish~nga and other belongings could be started by the lender at anytime. A~IMpTiON OF MORTGAGE -You may or map not sell or transfer pour home to a yer or trans eree w o w~11 assume the mortgage debt, provided that all the outstanding paymsnts, charges and attorney's fees and costa are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONF,Y TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING iATSTTTUTiON 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 OCCURRP.1) iF YOU CURE THE DEFAULT. {HOWEVER YOU DO NOT HAVE THIS RIGHT TO C~URF. YOUR DEFAULT MORE THAN THREi~TiMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONF.XiSTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT 1NSTiTUTED 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. r a PRO GRAM ~IIM~~~.A~.~SLtIIY'1_'Y CCCS of Western Pennsylvania, Tnc. 2000 t.inglcsto~vn Road Harrisbnr8, PA 17102 (717) 541-1757 FAXiE (717) 541-4670 Urban I.eaBne of Metropolitan Hamsbnrq N. 6th Street Harrisburg, PA 17101 (7i7) 234-5925 FAX# (71 ~ 234-9459 C',ommunity Action C;ommiaion of the Capital Region 1 S 14 ikrry Street Harrisburg, PA 17104 (717) 232-9757 FAX (717) 234-2227 Financial Colmseling Services of Pranklin 31 West 3rd Street Waynesboro, PA 17268 (7!7) 762-3285 YWCA of Carlisle 301 G Street Carlisle, PA 17013 (717)243-3818 FAXg (717} 731-9589 Adams (',onnty Housing Authority ! 39-! 43 Carlisle St. Gettysburg, PA 17325 (717) 334-1518 FAX (717) 334-8326 The Pennsylvania Housing Finance Agency can be reached TOI.I. FRFF, at i (800) 342-2397. oooaa+~a~a VERIFICATION Ilana Zion, Esquire hereby states that she is the Atto action, that she is authorized to mey for the Plaintiff in this make this Verification as the plaintiff is outside the jurisdiction of the Court and plaintiff's verificati on could not be obtained Within the time necessary to file this 1 p eadmg, and that the statements made in the foregoin in Mortgage Foreclosure are g Complaint true and correct to the best of her knowledge, infonnati and belief. on The undersigned understands that this statement herei ' penalties of 18 Pa. n is made subject to the C.S. Sec. 4904 relating to unsworn falsification to au thonhes. SH`~'~C & KR.EISMAN, LLC BY: Dated: ~ 2l- f ~(~7 Ilana 2 Attorney .. ' ~. I y: { C~ ~'' ~ ~_ _ rV ~/~ O _ _ _ l.b~ V ~ ~`rl O .. ' .. ~,+~ ' 1 ~'` a "~"~, _~~ y ~ 7' t f s ~r "Y SHERIFF'S RETURN - REGULAR G.piSE NO: 2007-05112 P v COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WILLS FARGO BANK NA VS GEIB MICHAEL D ET AL STEPHEN BENDER Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon GEIB MICHAEL D the DEFENDANT ,~ at 0855:00 HOURS, on the 7th day of September, 2007 at 863 BURNTHOUSE ROAD CARLISLE, PA 17015 MICHAEL GIBB by handing to a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 4.80 Affidavit .00 Surcharge 10.00 00 4~?~+~b ~ ~^ 3 Sworn and Subscibed to before me this day of So Answers: R. Thomas Kline 09/11/2007 SHAPIRO & KREISMAN By: De y Sheriff A.D. SHERIFF'S RETURN - REGULAR CASE NO: 2007-05112 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WILLS FARGO BANK NA VS GEIB MICHAEL D ET AL STEPHEN BENDER Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon GEIB BRENDA L the DEFENDANT at 0855:00 HOURS, on the 7th day of September, 2007 at 863 BURNTHOUSE ROAD CARLISLE, PA 17015 by handing to MICHAEL GIBB, ADULT IN CHARGE 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 6.00 Service .00 Affidavit .00 Surcharge 10.00 .00 ~,,, A~?y~a~ 16.00 Sworn and Subscibed to before me this day So Answers: ~~ ~~~ R. Thomas Kline 09/11/2007 SHAPIRO & KREIS By: De u y Sheriff of A.D. SHERIFF'S RETURN - NOT FOUND Cr'InSE NO: 2007-05112 P ~~ COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND WILLS FARGO BANK NA VS GEIB MICHAEL D ET AL R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT -- but was unable to locate Him in his bailiwick. /V ~~eTT T T1~TT 11/tl1DT L,(1D ri He therefore returns the the within named DEFENDANT OCCUPANTS 863 BURNTHOUSE ROAD So answ~~e: CARLISLE, PA 17015 THERE WERE NO OTHER OCCUPANTS. Sheriff's Costs: Docketing 6.00 Service .00 Not Found 5.00 Surcharge 10.00 ~ ,~`~ ~~ ~ .00 ~ . 0 0 NOT FOUND , as to homers Kline S r f of Cumberland County PIRG & KREISMAN 09/11/2007 Sworn and Subscribed to before me this day of A.D. SHAPIRO & KREISMAN, LLC BY: ILANA ZION, ESQUIRE ATTORNEY I.D. NO: PA Bar # 87137 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-29788 Wells Fargo Bank, N.A. 1 Home Campus Drive Des Moines, IA 50328 PLAINTIFF VS. Michael D. Geib and Brenda L. Geib DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY N0:07-5112 CIVIL TERM PRAECIPE TO SUBSTITUTE VERIFICATION TO THE PROTHONOTARY: Kindly substitute the attached Verification to the Complaint in the above-captioned civil action. Respectfully Submitted, SHAPIRO & KREISMAN BY: Ilana~Zlon, Esquire Attorneys for Plain Wells Fargo Bank, N.A. v. Michael D. Geib and Brenda L. Geib VERIFICATION The undersigned is ~.a-vi.r~c~t y- of Fidelity National Foreclosure Solutions, as attorney in fact for Wells Fargo Bank, N.A. and as such is familiar with the records of said corporation, and being authorized to make this verification on behalf of Plaintiff, hereby verifies that the facts set forth in the foregoing Complaint. The undersigned has personal knowledge of and access to the business records of the Mortgage held by Plaintiff and that the facts as set forth in this Complaint are true and correct to the best of the knowledge, information and belief of the undersigned. I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF PA.C.S. SECTION 4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. Fidelity National Foreclosure Solutions, as attorney in fact for Wells Fargo Bank, N.A. Date: ~(T4~- Loan: 0631397288 07-29788 Na Josh Baxl Title: /~,,,t~ ~'~ ~~~ Company: ~~~~ ~~~ ~~ec,~~~ci-~ r c:-..s -t i -- ; 3 ~: '~.;:3 § +:) • j J - SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-29788 Wells Fargo Bank, N.A. 1 Home Campus Drive Des Moines, IA 50328 PLAINTIFF vs. Michael D. Geib and Brenda L. Geib DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY N0:07-5112 CIVIL TERM PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES Enter Judgment IN REM in the amount of $140,844.92 in favor of the Plaintiff and against the defendants, for failure to file an answer to Plaintiffs Complaint in Mortgage Foreclosure within 20 days from service thereof and assess Plaintiffs damages as follows and calculated as stated in the Complaint: Principal of mortgage debt due and unpaid Interest at 6.25% from March 1, 2007 to December 24, 2007 (299 days @ $21.95 per diem) Late charges (for certain months prior to default and every month after at a rate of $33.00 per month) Escrow Advance Property Inspections Title Search Report Fees Attorneys Fees TOTAL AMOUNT DUE $128,196.39 $6,563.05 $297.00 $493.48 $45.00 250.00 5,000.00 14@?B44.92 Attorney for Plaintiff AND NOW, judgment is entered in favor of the Plaintiff and against the Defendants and damages are assessed as above in the sum of $140,844.92. Pro. Prothy. 07-29788 SHAPIRO & KREISMAN, LLC BY: DANIELLE BOYLE-EBERSOLE, ESQ. LAUREN R. TABAS, ESQ., AND ILANA ZION, ESQ. ATTORNEY I.D. NOS. 81747, 93337 & 87137 3604 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE N0.07-29788 Wells Fargo Bank, N.A. PLAINTIFF VS. Michael D. Geib 863 Burnthouse Road Carlisle, PA 17015 Brenda L. Geib 863 Burnthouse Road Carlisle, PA 17015 DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: STATE OF: M,r-~ COUNTY OF: t~I:t~~-~ AFFIDAVIT OFNON-MILITARY SERVICE THE UNDERSIGNED being duly sworn, states that he/she is over the age of eighteen years and competent to make this affidavit and the following averments are based upon investigations made and records maintained either as Plaintiff or servicing agent of the Plaintiff and that the above-captioned Defendants' last known address is as set forth in the caption and they are not in the Military or Naval Service of the United States of America or its Allies as defined in the Soldiers and Sailors Civil Relief Act of 1940, as amended. Fidelity National Foreclosure Solutions, as attorney in fact for Wells Fargo Bank, N.A. By: NAME: 3c,sh axley TITLE: J~.v1ot~c~ Sworn to and subscribed before me this ~-~ Notary Public 07-29788 JAMES C. MORRIS r"1. NOTARY PUBLIC • MINNESOTA ~ MY COMMISSION EXPfRES ,lAN. 31, 2009 SHAPIRO & KREISMAN, LLC BY: CHRISTOPHER DENARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 36Q0 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-29788 Wells Fargo Bank, N.A. PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY VS. Michael D. Geib and Brenda L. Geib DEFENDANTS NO: 07-5112 CIVIL TERM CERTIFICATION OF MAILING NOTICE UNDER RULE 237.1 The undersigned hereby certifies that a Written Notice of Intention to File a Praecipe for the Entry of Default Judgment was mailed to the defendant (s) and to his, her, their attorney of record, if any, after the default occurred and at least (10) days prior to the date of the filing of the Praecipe. Said Notice was sent on the date set forth in the copy of said Notice attached hereto, December 11, 2007 to the following Defendants: Michael D. Geib 863 Burnt House Road aka 863 Burnthouse Road Carlisle, PA 17015 Brenda L. Geib 863 Burnt House Road aka 863 Burnthouse Road Carlisle, PA 17015 ,/ ~ -~- Kevin Dwyer, Legal Assistan to Christopher DeNardo, Esquire for Shapiro & Kreisman, LLC SHAPIRO & KREISMAN, LLC BY: CHRISTOPHER DENARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-29788 Wells Fargo Bank, N.A. PLAINTIFF VS. Michael D. Geib and Brenda L. Geib DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 07-5112 CIVIL TERM NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa.R.C.P. 237.1 IMPORTANT NOTICE TO: Michael D. Geib DATE OF NOTICE: December 11, 2007 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten (10) days from the date of this notice, a Judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to a lawyer at once. If you do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTIFICACION IMPORTANTE Usted se encuentra en estado de rebeldia por no haber tornado la accion requirida de su parte en este caso. Al no tomar la accion debida dentro de un termino de diez (10) dias de la fecha de esta notificacion, el tribuna podra, sin necesidad de compararecer usted in Corte o escuchar preuba alguna, dictar sentencia en su contra. Usted puede perder bienes y otros derechos importantes. Debe llevar esta notificacion a un abogado immediatamente. Si usted no tiene abogado o si no tiene dinero suficiente Para tal servicio, vaya en persona o llame por telefono a la oficina cuya direccion se encuentra escrita abajo para averiguar donde se puede conseguir assitencia legal: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PERSONS TO WHOM RULE 237.1 NOTICE SENT TO: Michael D. Geib 863 Burnt House Road aka 863 Burnthouse Road Carlisle, PA 17015 Brenda L. Geib 863 Burnt House Road aka 863 Burnthouse Road Carlisle, PA 17015 ~_ Christopher DeNardo, Esquire Shapiro & Kreisman, LLC Attorney for Plaintiff SHAPIRO & KREISMAN, LLC BY: CHRISTOPHER DENARDO, ESQUIRE ATTORNEY I.D. NO: PA Bar # 78447 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-29788 Wells Fargo Bank, N.A. PLAINTIFF VS. Michael D. Geib and Brenda L. Geib DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 07-5112 CIVIL TERM NOTICE OF INTENTION TO TAKE DEFAULT UNDER Pa.R.C.P. 237.1 IMPORTANT NOTICE TO: Brenda L. Geib DATE OF NOTICE: December 11, 2007 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten (10) days from the date of this notice, a Judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this notice to a lawyer at once. If you do not have a lawyer or cannot afford one, go to or telephone the following office to find out where you can get legal help: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTIFICACION IMPORTANTE Usted se encuentra en estado de rebeldia por no haber tornado la accion requirida de su parte en este caso. Al no tomar la accion debida dentro de un termino de diez (10) digs de la fecha de esta notificacion, el tribuna podra, sin necesidad de compararecer usted in Corte o escuchar preuba alguna, dictar sentencia en su contra. Usted puede perder bienes y otros derechos importantes. Debe llevar esta notificacion a un abogado immediatamente. Si usted no tiene abogado o si no tiene dinero suficiente para tal servicio, vaya en persona o llame por telefono a la oficina cuya direccion se encuentra escrita abajo para averiguar donde se puede conseguir assitencia legal: Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PERSONS TO WHOM RULE 237.1 NOTICE SENT TO: Michael D. Geib 863 Burnt House Road aka 863 Burnthouse Road Carlisle, PA 17015 Brenda L. Geib 863 Burnt House Road aka 863 Burnthouse Road Carlisle, PA 17015 Christopher DeNardo, Esquire Shapiro & Kreisman, LLC Attorney for Plaintiff SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-29788 Wells Fargo Bank, N.A. 1 Home Campus Drive Des Moines, IA 50328 PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY vs. Michael D. Geib and Brenda L. Geib DEFENDANTS N0:07-5112 CIVIL TERM CERTIFICATE OF SERVICE I, Lauren R. Tabas, Esquire, Attorney for the Plaintiff, hereby certify that I have served by first class mail, postage prepaid, true and correct copies of the attached papers upon the following persons or their attorney of record: Michael D. Geib 863 Burnthouse Road Carlisle, PA 17015 Brenda L. Geib 863 Burnthouse Road Carlisle, PA 17015 Date mailed: I " V BY: O & KREISMAN, LLC Lauren R. Tabas, Esquire Attorney for Plaintiff 07-29788 -fi~- ~ r~ ~ t~ ~ O ~?~ ~ y ;~ '- ~~ ..G 1 ~ r f .,-;- ~ _..i ~ ~7 c X1' ~ ~>` ~ ~ ~ t ~ o. 1» 'e' ~'° .,. r_; w,1G7 ~i > ~ ~ ~ OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Cumberland County Clerk Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 Curtis A. Long Prothonotary TO: Michael D. Geib 863 Burnthouse Road Carlisle, PA 17015 Wells Fargo Bank, N.A. 1 Home Campus Drive Des Moines, IA 50328 PLAINTIFF vs. Michael D. Geib and Brenda L. Geib DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY N0:07-5112 CIVIL TERM NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceeding as indicated below. Curtis A. Long Prothonotary [XX] Judgment by Default [ ]Judgment for Possession [ ]Judgment on Award of Arbitration [ ]Judgment on Verdict [ ]Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY LAUREN R. TABAS, ESQUIRE AT (610) 278-6800. /a./a.7~o~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRAECIPE FOR WRIT OF EXECUTION Caption: Wells Fargo Bank, N.A. 1 Home Campus Drive Des Moines, IA 50328 PLAINTIFF vs. Michael D. Geib and Brenda L. Geib ()Confessed Judgment ()Other /~ File No. ~`~ - rJ ~ ~ 01 C ~Vt ( ~~r~, Amount Due $140,844.92 Interest December 25, 2007 to June 11, 2008 is $4,100.40 Atty's Comm Costs DEFENDANTS ; TO THE PROTHONOTARY OF THE SAID COURT: The undersigned hereby certifies that the below does not arise out of a retail installment safe, contract, or account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended. Issue writ of execution in the above matter to the Sheriff of Cumberland County, for debt, interest and costs, upon the following described property of the defendant(s) See attached Legal Description PRAECIPE FOR ATTACHEMENT EXECUTION Issue writ of attachment to the Sheriff of Cumberland County, for debt, interest and costs, as above, directing attachment against the above-named garnishee(s) for the following property (if real estate, supply six copies of the description; supply four copies of lengthy personalty list) and all other property of the defendant(s) in the possession, custody or control of the said garnishees}. (Indicate) Index this writ against the garnishee(s) as lis a ens against real e e ~ defendant(s) described in the attached exhibit. Date: Signatu e: ~ Print N . L uren R. Tabas, Esquire Address: 3600 Horizon Drive, Ste.150 King of Prussia, PA 19406 Attorney for: Plaintiff Supreme Court ID # PA Bar # 93337 ~ G ~ ~ ~ ~. > ~, : ra ~ R~ .~- a, oa a ~ o ~ o o ~ S 0 0 0 0 :; ~.~ 5 ~ c": o .x,, W y ~ ~ _„~. ~ F. ~ r' D ~ r.3 0 ALL that certain tract of land with the improvements thereon erected situate in Dickinson Township, Cumberland County and Commonwealth of Pennsylvania, bounded and described according to a survey of William B. Whittock, P.E. dated October 22, 1969, as follows: BEGINNING at an iron pin, in Legislative Route 21034, now known as Burnt House Road and formerly sometimes called Barnitz Mill Road, which iron pin is South 31 degrees 43 minutes East 211.20 feet from the centerline of Legislative Route 21009, known as West Old York Road, at the line of land now or formerly of Lester E. Dum; thence along the latter North 76 degrees OS minutes East 216.00 feet to an iron pin; thence still along the same, South 31 degrees 43 minutes East 153.00 feet to an iron pin at line of land now or formerly of Stine: thence along the latter, South 77 degrees 12 minutes 46 seconds West 217.41 feet to an iron pin in Legislative Route 21034 now known as Burnt House Road and formerly sometimes called Barnitz Mill Road; thence along said Burnt House Road, North 31 degrees 43 minutes West 148.50 feet to an iron pin, the Place of Beginning. BEING improved with a split level masonry and frame dwelling and other improvements with mailing address of 863 Burnt House Road, Carlisle, Pennsylvania 17013. UNDER AND SUBJECT, NEVERTHELESS, to restrictions as set forth in Deed Book "U", Volume 32, Page 474. BEING the same premises which Paul C. Keifer and Trisha L. Keifer, his wife, by Deed dated November 28, 2003 and recorded in the Cumberland County Recorder of Deeds Office on December 2, 2003 in Deed Book 260, Page 3119, granted and conveyed unto Michael D. Geib and Brenda L. Geib, his wife. SHAPIRO &KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIItE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-29788 Wells Fargo Bank, N.A. 1 Home Campus Drive Des Moines, IA 50328 PLAINTIFF vs. Michael D. Geib and Brenda L. Geib DEFENDANTS COURT OF COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY N0:07-5112 CIVIL TERM CERTIFICATION OF ADDRESS I hereby certify that the correct address of the judgment creditor (Plaintiff) is: Wells Fargo Bank, N.A. 1 Home Campus Drive Des Moines, IA 50328 and that the last known address of the judgment debtor (Defendants) is: Michael D. Geib 863 Burnthouse Road Carlisle, PA 17015 Brenda L. Geib 863 Burnthouse Road Carlisle, PA 17015 BY: & KREISMAN, LLC 07-29788 Attorney for Plaintiff t~ ~ c~, r--, w t~ ~ i r: t-r'1 .~r`- t-s 7 f' - r-•~ by +~r~ . A• !y W +~ •/~ ,.~ SHAPIRO & KREISMAN, LLC ~ BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-29788 Wells Fargo Bank, N.A. 1 Home Campus Drive Des Moines, IA 50328 PLAINTIFF vs. Michael D. Geib and Brenda L. Geib DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 07-5112 CIVIL TERM AFFIDAVIT PURSUANT TO RULE 3129.1 Wells Fargo Bank, N.A. 1 Home Campus Drive Des Moines, IA 50328, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 863 Burnt House Road, Carlisle, PA 17013, a/k/a 863 Burnthouse Road, Carlisle, PA 17015. Name and address of Owners Michael D. Geib 863 Burnthouse Road Carlisle, PA 17015 Brenda L. Geib 863 Burnthouse Road Carlisle, PA 17015 2. Name and address of Defendants in the judgment: Michael D. Geib 863 Burnthouse Road Carlisle, PA 17015 Brenda L. Geib 863 Burnthouse Road Carlisle, PA 17015 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Wells Fargo Bank, N.A. ~''~ ~ 1 Home Campus Drive Des Moines, IA 50328 4. Name and address of the last recorded holder of every mortgage of record: Wells Fargo Bank, N.A. 1 Home Campus Drive Des Moines, IA 50328, Plaintiff 5. Name and address of every other person who has any record lien on the property: NONE 6. Name and address of every other person who has any record interest in the property and whose interest maybe affected by the sale: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which maybe affected by the sale: TENANT OR OCCUPANT 863 Burnt House Road, Carlisle, PA 17013 a/k/a 863 Burnthouse Road Carlisle, PA 17015 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. & KREISMAN, LLC .. R. Tabas, Esquire 07-29788 N ~.. v A5'..'. G..-: y~ xia .c:,. ~-~ .ii. `'~ ~~, SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-29788 Wells Fargo Bank, N.A. 1 Home Campus Drive Des Moines, IA 50328 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 07-5112 CIVIL TERM vs. Michael D. Geib and Brenda L. Geib DEFENDANTS CERTIFICATION AS TO THE SALE OF REAL PROPERTY I hereby certify that I am the Attorney of record for the Plaintiff in this Action against Real Property and further certify this Property is: FHA -Tenant Occupied or Vacant Commercial As a result of a Complaint in Assumpsit That the Plaintiff has complied in all respects with Section 403 of the X Mortgage Assistance Act including but not limited to: (a) Service of notice on Defendants (b) Expiration of 30 days since the service of notice (c) Defendants failure to request or appear at meeting with Mortgagee or Consumer Credit Counseling Agency (d) Defendants failure to file application with Homeowners Emergency Assistance Program. I further agree to indemnify and hold harmless the Sheriff of Cumberland county for any false statement given herein. & KREISMAN, LLC I:,auren R. Tabas, Esquire PA Bar # 93337 C) ^~ C ~: -,., t~`` + ~ ~ ~ T.', ~ ,.~ ~ ,-.t r ~:' a ,?y, ` :~* ~: ~~T C ~'} ~: .. :.~ W tly ~_, SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-29788 Wells Fargo Bank, N.A. 1 Home Campus Drive Des Moines, IA 50328 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 07-5112 CIVIL TERM vs. Michael D. Geib and Brenda L. Geib DEFENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Brenda L. Geib 863 Burnthouse Road Carlisle, PA 17015 Your house (real estate) at: 863 Burnt House Road aka Burnthouse Road, Carlisle, PA 17013 08-11-0290-015 is scheduled to be sold at Sheriffs Sale on June 11, 2008 at: Cumberland County Sheriff s Office 1 Courthouse Square Carlisle, PA 17013 at 10:00a.m., to enforce the court judgment of $140,844.92 obtained by Wells Fargo Bank, N.A. 1 Home Campus Drive Des Moines, IA 50328 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to Wells Fargo Bank, N.A. 1 Home Campus Drive Des Moines, IA 50328 the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. 2. You maybe able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You maybe able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) .. ~ '' YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. 5. You maybe able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 6. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may ca11717-240-6390 . 7. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 8. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 9. You maybe entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty (30) days from the date of the sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 10. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 07-29788 a. J L ALL that certain tract of land with the improvements thereon erected situate in Dickinson Township, Cumberland County and Commonwealth of Pennsylvania, bounded and described according to a survey of William B. Whittock, P.E. dated October 22, 1969, as follows: BEGINNING at an iron pin, in Legislative Route 21034, now known as Burnt House Road and formerly sometimes called Barnitz Mill Road, which iron pin is South 31 degrees 43 minutes East 211.20 feet from the centerline of Legislative Route 21009, known as West 01d York Road, at the line of land now or formerly of Lester E. Dum; thence along the latter North 76 degrees OS minutes East 216.00 feet to an iron pin; thence still along the same, South 31 degrees 43 minutes East 153.00 feet to an iron pin at line of land now or formerly of Stine: thence along the latter, South 77 degrees 12 minutes 46 seconds West 217.41 feet to an iron pin in Legislative Route 21034 now known as Burnt House Road and formerly sometimes called Barnitz Mill Road; thence along said Burnt House Road, North 31 degrees 43 minutes West 148.50 feet to an iron pin, the Place of Beginning. BEING improved with a split level masonry and frame dwelling and other improvements with mailing address of 863 Burnt House Road, Carlisle, Pennsylvania 17013. UNDER AND SUBJECT, NEVERTHELESS, to restrictions as set forth in Deed Book "U", Volume 32, Page 474. BEING the same premises which Paul C. Keifer and Trisha L. Keifer, his wife, by Deed dated November 28, 2003 and recorded in the Cumberland County Recorder of Deeds Office on December 2, 2003 in Deed Book 260, Page 3119, granted and conveyed unto Michael D. Geib and Brenda L. Geib, his wife. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 07-5112 Civil CIVIL ACTION -LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due WELLS FARGO BANK, N.A., Plaintiff (s) From MICHAEL D. GE1B & BRENDA L. GEIB (i) 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 $140,844.92 Interest 12/25/07 to 6/11/08 is - $4,100.40 Atty's Comm Atty Paid $188.80 Plaintiff Paid -Date: 12/27/07 (Seal) .REQUESTING PARTY: Name LARUEN R. TABAS,ESQUIRE Address: 3600 HORIZON DRIVE, STE. 150 KING OF PRUSSIA, PA 19406 Attorney for: PLAINTIFF Telephone: 610-278-6800 Supreme Court ID No. 93337 L.L.$ 0.50 Due Prothy $2.00 Other Costs ~ ~ ~. SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-29788 Wells Fargo Bank, N.A. 1 Home Campus Drive Des Moines, IA 50328 PLAINTIFF VS. Michael D. Geib and Brenda L. Geib DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 07-5112 CIVIL TERM PRAECIPE TO VACATE JUDGMENT TO THE PROTHONOTARY: Kindly mark the Judgment entered on December 27, 2007 in the above entitled action vacated without prejudice to Plaintiff. & KREISMAN, LLC Lauren R. Tabas, Esquire ~ • «. CERTIFICATE OF SERVICE I, LAUREN R. TABAS, ESQUIRE, hereby certify that on ~ I served a true and correct copy of the within Praecipe to Vacate Mortgage oreclosure Judgment upon the following parties via first class mail, postage prepaid: Michael D. Geib 863 Burnthouse Road Carlisle, PA 17015 Brenda L. Geib 863 Burnthouse Road Carlisle, PA 17015 & KREISMAN, LLC BY LAUREN R. TABAS, L~', Attorney for the Plaintiff ~ ~ r,~ 0 © C " : ~ , ,. ~ ~ .~ ~ 5 2 ~,j '~ _""' ~ ; I ?j tom' 0 ` ~ ~ ! ~- + ~ V r ~R 1/ .. ~ { -~. ~ u.~ .,-i ~'G SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIIZE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-29788 Wells Fargo Bank, N.A. 1 Home Campus Drive Des Moines, IA 50328 PLAINTIFF VS. Michael D. Geib and Brenda L. Geib DEFENDANT(S) COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 07-5112 CIVIL TERM PRAECIPE TO SETTLE DISCONTINUE AND END TO THE PROTHONOTARY: Kindly mark the above-captioned matter SETTLED, DISCONTINUED AND ENDED, without prejudice. BY O & KREISMAN, LLC i.aur~n R. Tabas, Esquire ~. Attorney for Plaintiff DATED: Zl ~~ ,~ H c d =. ~ ---t ' ~1-- .. S 1 .~. g f p .. , a...:' ^~ F i - ~~ .r'-' t ., ' 5. -! Qt -C f ., CERTIFICATE OF SERVICE I, Lauren R. Tabas, Esquire, hereby certify that on ~ ~~ I served a true and correct copy of the within Praecipe to Settle, Discontinue and End upon the following parties via first class mail, postage prepaid: Michael D. Geib 863 Burnthouse Road Carlisle, PA 17015 Brenda L. Geib 863 Burnthouse Road Carlisle, PA 17015 & KREISMAN, LLC _~ Lauren R. Tabas, ~sq Attorney for Plaintiff Wells Fargo Bank, N.A. VS Michael D. Geib & Brenda L. Geib In The Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2007-5112 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 Lauren Tabas. Sheriffls Costs: Docketing Poundage Advertising Law Library Prothonotary Mileage Levy Surcharge 30.00 1.97 15.00 .50 2.00 5.76 15.00 30.00 $ 100.23 / ~ f x[.108 ~~ So Answers: R. Thomas Kline, Sheriff Real Es~r eant g ~~. so ,~ .7a~7~ 7 . y, ~ SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIlZE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-29788 Wells Fargo Bank, N.A. 1 Home Campus Drive Des Moines, IA 50328 PLAINTIFF vs. ; Michael D. Geib and Brenda L. Geib DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 07-5112 CIVIL TERM AFFIDAVIT PURSUANT TO RULE 3129.1 Wells Fargo Bank, N.A. 1 Home Campus Drive Des Moines, IA 50328, Plaintiff in the above action, sets forth, as of the date the praecipe for the writ of execution was filed, the following information concerning the real property located at 863 Burnt House Road, Carlisle, PA 17013, a/k/a 863 Burnthouse Road, Carlisle, PA 17015. 1 2 3 Name and address of Owners Michael D. Geib 863 Burnthouse Road Carlisle, PA 17015 Brenda L. Geib 863 Burnthouse Road Carlisle, PA 17015 Name and address of Defendants in the judgment: Michael D. Geib 863 Burnthouse Road Carlisle, PA 17015 Brenda L. Geib 863 Burnthouse Road Carlisle, PA 17015 Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: w' Wells Fargo Bank, N.A. 1 Home Campus Drive Des Moines, IA 50328 4. Name and address of the last recorded holder of every mortgage of record: Wells Fargo Bank, N.A. 1 Home Campus Drive Des Moines, IA 50328, Plaintiff 5. Name and address of every other person who has any record lien on the property: NONE 6. Name and address of every other person who has any record interest in the property and whose interest maybe affected by the sale: Cumberland County Domestic Relations 13 North Hanover Street Carlisle, PA 17013 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which maybe affected by the sale: TENANT OR OCCUPANT 863 Burnt House Road, Carlisle, PA 17013 a!k/a 863 Burnthouse Road Carlisle, PA 17015 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. SH~PI~O & KREISMAN, LLC R. Tabas, Esquire 07-29788 .~ . ~ SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRNE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-29788 Wells Fargo Bank, N.A. ~ COURT OF COMMON PLEAS 1 Home Campus Drive CUMBERLAND COUNTY Des Moines, IA 50328 PLAINTIFF ~ NO: 07-5112 CIVIL TERM vs. Michael D. Geib and Brenda L. Geib DF,FENDANTS NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Michael D. Geib 863 Burnthouse Road Carlisle, PA 17015 Your house (real estate) at: 863 Burnt House Road aka Burnthouse Road, Carlisle, PA 17013, 08-11-0290-015 is scheduled to be sold at Sheriffs Sale on June 11, 2008 at: Cumberland County Sheriff s Office 1 Courthouse Square Carlisle, PA 17013 at 10:00a.m., to enforce the court judgment of $140,844.92 obtained by Wells Fargo Bank, N.A. 1 Home Campus Drive Des Moines, IA 50328 against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to Wells Fargo Bank, N.A. 1 Home Campus Drive Des Moines, IA 50328 the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. 2. You maybe able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You maybe able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. 5. You maybe able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 6. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may ca11717-240-6390. 7. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 8. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 9. You maybe entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty (30) days from the date of the sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 10. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 07-29788 ALL that certain tract of land with the improvements thereon erected situate in Dickinson Township, Cumberland County and Commonwealth of Pennsylvania, bounded and described according to a survey of William B. Whittock, P.E. dated October 22, 1969, as follows: BEGINNING at an iron pin, in Legislative Route 21034, now known as Burnt House Road and formerly sometimes called Barnitz Mill Road, which iron pin is South 31 degrees 43 minutes East 211.20 feet from the centerline of Legislative Route 21009, known as West Old York Road, at the line of land now or formerly of Lester E. Dum; thence along the latter North 76 degrees OS minutes East 216.00 feet to an iron pin; thence still along the same, South 31 degrees 43 minutes East 153.00 feet to an iron pin at line of land now or formerly of Stine: thence along the latter, South 77 degrees 12 minutes 46 seconds West 217.41 feet to an iron pin in Legislative Route 21034 now known as Burnt House Road and formerly sometimes called Barnitz Mill Road; thence along said Burnt House Road, North 31 degrees 43 minutes West 148.50 feet to an iron pin, the Place of Beginning. BEING improved with a split level masonry and frame dwelling and other improvements with mailing address of 863 Burnt House Road, Carlisle, Pennsylvania 17013. UNDER AND SUBJECT, NEVERTHELESS, to restrictions as set forth in Deed Book "U", Volume 32, Page 474. BEING the same premises which Paul C. Keifer and Trisha L. Keifer, his wife, by Deed dated November 28, 2003 and recorded in the Cumberland County Recorder of Deeds Office on December 2, 2003 in Deed Book 260, Page 3119, granted and conveyed unto Michael D. Geib and Brenda L. Geib, his wife. SHAPIRO & KREISMAN, LLC BY: LAUREN R. TABAS, ESQUIRE ATTORNEY I.D. NO: PA Bar # 93337 3600 HORIZON DRIVE, SUITE 150 KING OF PRUSSIA, PA 19406 TELEPHONE: (610) 278-6800 S & K FILE NO. 07-29788 Wells Fargo Bank, N.A. 1 Home Campus Drive Des Moines, IA 50328 PLAINTIFF vs. Michael D. Geib and Brenda L. Geib DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 07-5112 CIVIL TERM NOTICE OF SHERIFF'S SALE OF REAL PROPERTY Your house (real estate) at: 863 Burnt House Road aka Burnthouse Road, Carlisle, PA 17013 08-11-0290-015 TO: Brenda L. Geib 863 Burnthouse Road Carlisle, PA 17015 is scheduled to be sold at Sheriffs Sale on June 11, 2008 at: Cumberland County Sheriffs Office NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. The sale will be cancelled if you pay back to Wells Fargo Bank, N.A. 1 Courthouse Square Carlisle, PA 17013 at 10:00a.m., to enforce the court judgment of $140,844.92 obtained by Wells Fargo Bank, N.A. 1 Home Campus Drive Des Moines, IA 50328 against you. 2 1 Home Campus Drive Des Moines, IA 50328 the amount of the judgment plus costs or the back payments, late charges, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: (610) 278-6800. You maybe able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. You maybe able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two of how to obtain an attorney.) ~. YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 4. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (610) 278-6800. 5. You maybe able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 6. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened you may call 717-240-6390 . 7. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 8. You have a right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 9. You maybe entitled to a share of the money, which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than thirty (30) days from the date of the sale. This schedule will state who will be receiving the money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the date of filing of said schedule. 10. You may also have other rights and defenses or ways of getting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 07-29788 ALL that certain tract of land with the improvements thereon erected situate in Dickinson Township, Cumberland County and Commonwealth of Pennsylvania, bounded and described according to a survey of William B. Whittock, P.E. dated October 22, 1969, as follows: BEGINNING at an iron pin, in Legislative Route 21034, now known as Burnt House Road and formerly sometimes called Barnitz Mill Road, which iron pin is South 31 degrees 43 minutes East 211.20 feet from the centerline of Legislative Route 21009, known as West Old York Road, at the line of land now or formerly of Lester E. Dum; thence along the latter North 76 degrees OS minutes East 216.00 feet to an iron pin; thence still along the same, South 31 degrees 43 minutes East 153.00 feet to an iron pin at line of land now or formerly of Stine: thence along the latter, South 77 degrees 12 minutes 46 seconds West 217.41 feet to an iron pin in Legislative Route 21034 now known as Burnt House Road and formerly sometimes called Barnitz Mill Road; thence along said Burnt House Road, North 31 degrees 43 minutes West 148.50 feet to an iron pin, the Place of Beginning. BEING improved with a split level masonry and frame dwelling and other improvements with mailing address of 863 Burnt House Road, Carlisle, Pennsylvania 17013. UNDER AND SUBJECT, NEVERTHELESS, to restrictions as set forth in Deed Book "U", Volume 32, Page 474. BEING the same premises which Paul C. Keifer and Trisha L. Keifer, his wife, by Deed dated November 28, 2003 and recorded in the Cumberland County Recorder of Deeds Office on December 2, 2003 in Deed Book 260, Page 3119, granted and conveyed unto Michael D. Geib and Brenda L. Geib, his wife. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 07-5112 Civil CIVIL ACTION.- LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due WELLS FARGO BANK, N.A., Plaintiff (s) From MICHAEL D. GEIB & BRENDA L. GEIB (1) You are directed to lery 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 $140,844.92 Interest 12/25/07 to 6/11/08 is -- $4,100.40 Atty's Comm Atty Paid $188.80 Plaintiff Paid Date: 12/27/07 (Seal) REQiJESTING PARTY: Name LARUEN R. TABAS,ESQUIRE Address: 3600 HORIZON DRIVE, STE.150 KING OF PRUSSIA, PA 19406 Attorney for: PLAINTIFF Telephone: 610-278-6800 L.L.$ 0.50 Due Prothy $2.00 Other Costs Supreme Court ID No. 93337 Real Estate Sale # 49 On March 5, 2008 the Sheriff levied upon the defendant's interest in the real property situated in Dickinson Township, Cumberland County, PA Known and numbered as 863 Burnt Hdse Road, Carlisle, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: March 5, 2008 By: ~ 6 ~ Real Estat er~eant 8Z :Z d LZ ~3fl t00t ,;, ~ ~; dd `~.1NCt~~HI .~ti~~:~~i ~~~ ~~12~3HS - s