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Home My WebLink About07-5423GOLDBECK McCAFFERTY & McKEEVER BY: JOSEPH A. GOLDBECK, 7R. ATTORNEY LD. #1b132 SUITE 5(NIO - MELLON INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106 (215) 627-1322 W W W.GOLDBECKLAW.COM ATTORNEY FOR PLAINTIFF CITIMORTGAGE, INC. PO Box 9481 Mail Code: 22-528-1011 Gaithersburg, MD 20898-9481 vs. JOHN H. NIPPER Mortgagor and Real Owner 1553 Bridge Street New Cumberland, PA 17070 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Plainti, fJ' CIVIL ACTION -LAW ACTION OF MORTGAGE FORECLOSURE Defendant Term No. 07 5~a13 t.~ivi t Te~a1, civil acTroN: N~ORTQaQE 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 the Complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You aze warned that if you fail to do so the case may proceed without you and a judgment maybe entered against you by the Court without further notice for any money claim in the Complaint of for any other claim or relief requested by the Plaintiffi You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Cazlisle, PA 17013 LEGAL SERVICES INC 8 Irvine Row Cazlisle, PA 17013 717-243-9400 AVISO LE HAN DEMANDADO A USTED EN LA CORTE. SI DESEA DEFENDERSE CONTRA LAS QUEJAS PERESENTADAS, ES ABSOLUTAMENTE NECESSARIO QUE USTED RESPONDA DBNTRO DE 20 DIAS DESPUES DE SER SERVIDO CON ESTA DEMANDA Y AVISO. PARR DEFENDERSE ES NECESSARIO QUE USTED, O SU ABOGADO, REGISTRE CON LA CORTE EN FORMA ESCRITA, EL PUNTO DE VISTA DE USTED Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN ESTA DEMANDA. RECUERDE: SI USTED N_O REPONDE A ESTA DEMANDA, SE PUEDE PROSEGUIR CON EL PROCESO SIN SU PARTICIPACION. ENTONCES, LA COUTE PUEDE, SIN NOTIFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y REQUERIRA QUE LISTED CUMPLA CON TODAS LAS PROVISIONES DE ESTA DEMANDA. POR RAZON DE ESA DECISION, ES POSSIBLE QUE LISTED PUEDA PERDER DINERO, PROPIEDAD U OTROS DERECHOS IMPORTANTES. LISTED DEBE LLEVAR ~STE PAPEL A SU ABOGADO ENSEGUIDA. SI LISTED NO TIENE UN ABOGADO, VAYA O LLAME POR TEL>;FOND LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERI CON INFORMACIbN DE C~MO CONSEUIR UN ABOGADO. SI LISTED NO PUEDE PAGARLE A UN ABOGADO, ~STA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, PA 17013 LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 Resources available for Homeowners in Foreclosure ACT NOW! Even though your lender (and our client) has filed an Action of Mortgage Foreclosure against you, you still maybe able to SAVE YOUR HOME FROM FORECLOSURE. 1). Call an attorney. For referrals to a qualified attorney call either of the following numbers: or 717- 243-9400. 2). Call the Consumer Credit Counseling Agency at 1-800-989-2227 for free counseling. 3). Visit HUD'S website www.hud.gov for Help for Homeowners Facing the Loss of Their Homes. 4). Call the Plaintiff (your lender) at and ask to speak to someone about Loss Mitigation or Home Retention options. 5). Call or contact our oiTice to request the amount to bring the account current, or payoffthe mortgage or request a Loan Workout /Home Retention Package. Call our toll free number at 1-866-413-2311 or via email at homeretention@goldbecklaw.com. Call Seth at 215-825-6329 or fax 215-825-6429. The figure and/or package you requested will be mailed to the address that you request or faxed if you leave a message with that information. The attorney in charge of our firm's Homeowner Retention Department is David Fein who can be reached at 215-825-6318 or Fax: 215-825-6418. Please reference our Attorney File Number of 56282FC. Paza informacion en espanol puede communicarse con Loretta x1215-825-6344. This Action of Mortgage Foreclosure will continue unless you take action to stop it. COMPLAINT IN MORTGAGE FORECLOSURE Plaintiff is CITIMORTGAGE, INC., PO Box 9481, Mail Code: 22-528-1011 Gaithersburg, MD 20898- 9481. 2. The names and addresses of the Defendant is JOHN H. NIPPER, 1553 Bridge Street, New Cumberland, PA 17070, who is the mortgagor and real owner of the mortgaged premises hereinafter described. 3. On November 25, 1998 mortgagors made, executed and delivered a mortgage upon the Property hereinafter described to BROADVIEW MORTGAGE CO., which mortgage is recorded in the Office of the Recorder of Deeds of Cumberland County as Book 1503, Page 160. The mortgage has been assigned to: CITIMORTGAGE, INC. by assignment of Mortgage. Plaintiff is the real party in interest pursuant to a purchase or transfer of the mortgage obligation from the last record holder and an Assignment of Mortgage to Plaintiff has been and/or will be lodged for recording with the Recorder of Deeds in the ordinary course of business. The Mortgage and assignment(s) are matters of public record and are incorporated by this reference in accordance with Pennsylvania Rule of Civil Procedure 1019(g); which Rule relieves the Plaintiff from its obligation to attach documents to pleadings if those documents are matters of public record. 4. The Property subject to the Mortgage is more fully described in the legal description set forth as Exhibit "A" ("Property"). 5. The mortgage is in default because the monthly payments of principal and interest are due and unpaid for May O1, 2007 and each month thereafter and by the terms the Mortgage, upon default in such payments for a period of one month or more, the entire principal balance and all interest due and other charges are due and collectible. 6. The following amounts are due to Plaintiff on the Mortgage: Principal Balance ....................................................................................$54,199.79 Interest from 04/01/2007 through 09/30/2007 at 7.0000% .......................$1,901.37 Per Diem interest rate at $10.39 Reasonable Attorney's Fee at 5% of Principal Balance as more fully explained in the next numbered paragraph. .................:.$2,709.99 Late Charges from 05/01/2007 to 09/30/2007 ......:......................................$122.89 Monthly late charge amount at $24.58 Costs of suit and Title Search ......................................................................$900.00 FHA/PMI Premium ........................................................................................$49.00 Foreclosure Charges .......................................................................................$36.00 Escrow Advance ..........................................................................................$439.99 $60,359.03 7. If the Mortgage is reinstated prior to a Sheriff s Sale, the Attorney's Fees set forth above maybe less than the amount demanded based on work actually performed. The Attorney's Fees requested are in conformity with the Mortgage and Pennsylvania law. Plaintiff is entitled to collect Attorney's fees of up to 5% of the remaining principal balance in the event the Property is sold to a third party purchaser at Sheriff's Sale or if the complexity of the action requires additional fees in excess of the amount demanded in the Action. 8. Plaintiff is not seeking a judgment of personal liability (or an "in personam" judgment) against the Defendant in this Action but reserves its right to bring a separate Action to establish that right, if such right exists. If Defendant has received a discharge of their personal liability in a Bankruptcy proceeding, this Action of Mortgage Foreclosure is, in no way, an attempt to re-establish the personal liability that was discharged in Bankruptcy, but only to foreclose the Mortgage and sell the Property pursuant to Pennsylvania law. 9. The Mortgage is insured by the Federal Housing Administration under Title II of the National Housing Act and, as such, is not subject to the provisions of Pennsylvania Act No. 91 of 1983 or Act 160 of 1998. WHEREFORE, Plaintiff demands a de terns judgment in mortgage foreclosure in the sum of $60,359.03, together with interest at the rate of $10.39, per day and other expenses, costs and charges incurred by the Plaintiff which are properly chargeable in accordance with the terms of the Mortgage and Pennsylvania law until the Mortgage is paid in full, and for the foreclosure of the Mortgage and Sheriffs Sale of the Property. By: GOLD CK McCA TY & McKEEVER BY: 70SEPH A. GOLDBECK, 7R., ESQUIRE ATTORNEY FOR PLAINTIFF VERIFICATION I, 4tacev Andr w _, as the representative of the Plaintiff corporation within named do hereby verify that I am authorized to and do make this verification on behalf of the Plaintiff corporation and the facts set forth in the foregoing Complaint are true and correct to the best of my knowledge, information and belief. I understand that false statements therein are made subject to the penalties of 18 Pa. C.S. 4904 relating to unsworn falsification to authorities. Date:September 10~~2007. CitiMortgage, Inc. .~ Stacey Andrew, Assistant Vice President #701623976 -JOHN H. NIPPER ~hi6it A all1NATC!ltTANNt K INi aNwM IA tlr ~d- ~ iw ~~ Cwdir ~ Cr~iMUM IM Wq N howil ad ipGiwl a laMMa a wit ~M~NM.t ~ Ni1, frt n~Mwt wnMr ~ ~ =YrN wl i1~11 1M~a i~ ~ ~ rates a1M~ih ~eMSMat~Ml~M ~AI~1, ~wwM~ ti • ~1 ~ W w ~~~ w w~irr N wt Meli~Niirf ~~~~ar~iM pR~1 ~YtMw twari~lb wMiMr ~MIM MaY~ra~i~~rN welorlMNi wld ~ iW~ ~ i~~ ~~ i Nllt ~An IMIJM Mi i~Nwi t~ ~-~MMI~ ~ ~ /itM 1b1NNIIIn `d a ~Mik~llie~at~i~~iaatit~~tyM~i~~tlr~aril rra~h~lncfa+iw tfr i1WMilt N MtMMIA ~M/M i1~A~ 1~t 1~ • Ai~4, ~ IUp d ~I~ iwwnlr M~ ~~~ia, IMNr Y~ lln~f lrii4, ay ~ ~ ~dM >w tb~ Ohie~ ~t tAe aeM~ w~ NlM1 tul tiNi~' 4~~AM ~, tiN 7~ Mt Arm dwa~ eneMl tAr a t11~ 1~Mkf MN- orrirla, ~~ ~~ ~' 1M as w~ iw.w~ ail awMrw iNroet aiDr, M..~, «. V rw.l wqr ~ aax Isis nat ~ t~ ~>s. rr «K drlM A. Ibw, iw-.rt w.~i.,, h o.a+~id,hw 2~ iIN.M a..Nrrf~A.aa: ~f TM NiY. an~.>~•.~r~r orrtM ^/ rK a.~.cwry: ~y ~ r'w~wy.rww~o~rweTM.a ~, _ =~ ~__. ~:_~. M v ~ ~y ~ /~"JY -~ ~ <_~~ 1 ~ ~"'' -~ --~ ~ SHERIFF'S RETURN - REGULAR CASE NO: 2007-05423 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CITIMORTGAGE INC VS NIPPER JOHN H MICHAEL BARRICK Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon NIPPER JOHN H ~ the DEFENDANT at 1801:00 HOURS, on the 18th day of September, 2007 at 1553 BRIDGE STREET NEW CUMBERLAND, PA 170'70 by handing to JOHN NIPPER a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff or Deputy Sheriff of Sheriff's Costs: Docketing Service Af f idavi t Surcharge 9~~,w'Oy :18.00 16.32 .00 10.00 .00 So Answers: / 44.32 Sworn and Subscibed to~ before me this day R. Thomas Kline 09/19/2007 GOLDBECK MCCAFFERTY MCKEEVER By: Deput S riff of A.D. GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr. Attorney I.D. #16132 Suite 5000 Mellon Independence Center 701 Market Street Philadelphia, PA 19106-1532 215-825-6321 Attorney for Plaintiff CITIMORTGAGE, INC. PO Box 9481 Mail Code: 22-528-1011 Gaithersburg, MD 2089$-9481 vs. JOHN H. NIPPER 1553 Bridge Street New Cumberlnd, PA 17070 Plaintiff Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Docket No. 07-5423 PRAECIPE TO SETTLE. DISCONTINUE AND END TO THE PROTHONOTARY: only. Kindly mark the above case Settled, Discontinued and Ended upon payment of your costs JOSEPH A. GOLDBECK, JR., ESQUIRE ~_ ~, ~ ~w ~ -, .... ' 1 . ~ ~4~ 1 . ~ ~ ~ .. ti .-'-t 4...,~ i.+ } ~ :'# .~ } ~~ ~ ..,,~ ~.n.} ~.~ ~' ~~