HomeMy WebLinkAbout04-0078
MEMBERS I ST FEDERAL
CREDIT UNION
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYL VANIA
PLAINTIFF
Vs
NO. 04 - "'7?
CLL'T~
WAYNE A QUACKENBUSH
and SUNNY LM. QUACKENBUSH
DEFENDANTS.
. CIVIL ACTION-LAW
NOTICE TO DEFEND AND CLAIM RIGHTS
THIS LAW OFFICE IS A DEBT COLLECTOR AND WE ARE A TTEMPTIING
TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION
OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF
COLLECTING THE DEBT. AN IMPORTANT STATEMENT OF RIGHTS IS
INCLUDED ON THE FOLLOWING PAGE.
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 your defenses or objections to the claims set forth against
you. You are warned that if you fail to do so, the case may proceed withou1 you and a
judgment may be entered against you by the Court without further notice for any money
claimed in the Complaint or for any other claims or relief requested by the Plaintiff You
may lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF
YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR
TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU
CAN GET LEGAL HELP.
CUMBERLAND COUNTY BAR ASSOCIATION
2 LmERTY A VENUE
CARLISLE, PA 17013
(717) 249-3166 OR (800) 990-9108
NOTICE
This complaint is an attempt to collect a debt.
It you dispute the validity of this debt, or any portionlthereof, and you contact the
undersigned within thirty (30) days after receipt of this Notice, you will be furnished with
written verification of the debt; provided, that if a lawsuit ha$ been filed against you to
collect this debt before the expiration ofthe thirty (30) days, the complaint filed in said
lawsuit will constitute written verification of the debt.
If you do not dispute the debt or any portion thereof liS stated above, the
undersigned will assume the debt is valid.
If the original creditor of this debt is different from the creditor stated on the front
page of this complaint, the undersigned will provide you wit\1 the name and address of
the original creditor upon written request from you within thirty (30) days of receipt of
this notice.
The undersigned means the following: Karl M. Ledebohm, Esquire, (717)938-
6929
MEMBERS I ST FEDERAL
CREDIT UNION
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYL VANIA
PLAINTIFF
Vs
NO.
WAYNE A. QUACKENBUSH
and SUNNY LM. QUACKENBUSH
DEFENDANTS.
. CIVIL ACTION-LAW
NOTICIA
Le han demandado a usted en la corte. Si usted guiere defenderse de estas
demandas expuestas en las paginas siguientes, usted tiene viente (20) dias de plazo al
partir de la fecha de la demanda y la notification Usted debe presentar una apariencia
escrita 0 en persona 0 por abogado y archivar en la corte en forma escrita sus defensas 0
sus objectiones alas demandas en contra suya.
Se ha avisado que si usted no se defiende, la corte tomara medidas y puede entrar
una orden contra usted sin previo aviso 0 notification y por cualquier queja 0 alivio que
es pedido en la peticion de demanda. USTED PUEDE PERDER DINERO 0 OTROS
DERECHOS lMPORTANTES PARA USTED.
LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI
USTED NO TIENE 0 CONOCES UN ABOGADO, VAYA EN PERSONA 0
LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE
ENCUENTRA ESCRITA ABAJO PARA A VERIGUAR DONDE SU PUEDE
CONSEGUlR ASISTENCIA LEGAL.
CUMBERLAND COUNTY BAR ASSOCIATION
2 Liberty Avenue
Carlisle, P A 17013
(717)249-3166 or 1-800-990-9108
MEMBERS 1 ~T FEDERAL
CREDIT UNION
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYL VANIA
PLAINTIFF
Vs.
NO. 04- 71'
C;uJT&.rv\
WAYNE A QUACKENBUSH
and SUNNY L.M. QUACKENBUSH
DEFENDANTS.
. CIVIL ACTION-LAW
COMPLAINT
AND NOW, comes Members I" Federal Credit Union, the Plaintiff in the above
captioned matter, by and through its attorney Karl M. Ledebohm, Esquire, and makes the
following complaint:
1. Plaintiff, Members I" Federal Credit Union ("Members I ""), is a National
Federal Credit Union having a principal address of 5000 Louise Drive,
Mechanicsburg, PA 17055.
2. Wayne A Quackenbush and Sunny L.M. Quackenbush (collectively
referred to herein as "Defendants) are adult individuals having a last known
address of 403 North Baltimore Avenue, Mount Holly Springs, PA 17065.
3. On or about May 6, 2002, Defendants borrowed from and agreed to repay to
Members 1"FORTY-FIVE THOUSAND AND NO/IOO ($45,000.00)
dollars (the "Loan"). The Loan is evidenced by a Note dated May 6, 2002
(the "Note") executed and delivered to Members 1" by Defendants. A copy
of the Note is attached hereto as Exhibit "A" and made part hereof
4. As security for the Loan, Defendants executed and delivered to Members I"
a mortgage ("Mortgage") on all that certain tract of unimproved ground
together with improvements erected therecm, if any, situate in South
Middleton Township, Cumberland County, Pennsylvania, known and
numbered as Lot No.7, Woodland Avenue, Boiling Springs, Pennsylvania
17007 and as set forth in Cumberland County Plan Book 65, Page
1'37("Property"). At all times relevant hereto, Defendants were and continue
to be the record and sole owners of the Property. A description of the
property is attached hereto as Exhibit "B" and made part hereof
5. On or about May 7,2002, the Mortgage was recorded in the Cumberland
County Recorder of Deeds Office at Mortgage Book 1757, Page 4808. A
tiue and correct copy of the Mortgage is attached hereto as Exhibit "C" and
made part hereof
6. The Mortgage has never been assigned by Members I '" and is still held by it
as a valid and subsisting obligation of Defendants.
7. Pursuant to the terms and conditions of the Note, Defendants agreed to pay
to Members 1st bi-weekly installments of principal and interest in the
amount of at least $260.83 each beginning on June 7, 2002 and continuing
every fourteen days thereafter.
8. Defendants are in default of Defendants' obligations under the Note and the
Mortgage as a result of Defendants' failure to make the payments due to
Plaintiff as set forth therein.
9. Pursuant to the Act ofJanuary 30, 1974, P.L. 13, No.6, 41 P.S. section 101,
et. seq., and in particular section 403 thereof, Members I" gave written
notice to Defendants of its intent to foreclose by letter dated November 17,
2003, addressed to Defendants via certified mail, return receipt requested. A
copy of the said notice is attached hereto as Exhibit "D" and made part
hereof
10. A copy of Postal form 3877 evidencing the mailing of said Notices is
attached hereto as Exhibit "E" and made part hereof
II. Members l't is not required to provide the. notice in accordance with the
Homeowners' Emergency Mortgage Assistance Act, Act of December 23,
1983, PL 385, No 91,35 P.S. Section 1680AOI(c), et. seq., for among
other reasons, the Property being vacant land and not the principal residence
of Defendants.
Date:
1/2--/0)
R~, ; r;i?.D--
~'bOh"';, Eiool2
/ ~~reme Court ill .
PO. Box 173 d PA 17070-0173
New Cumberlan ,
(717)938-6929 . (ff
Attorney for Plam 1
DE[-18-D~ 10:24 AM
MEMBE:P~,l~;T Fr-.II !f'l':,. r'EF'T
7 Jf7"'~"5"51 78
r-' 1_
NOTE
~O~,?~PQP~~..~Y~~~~,
2002
B9I~ING SPRINGS,
i";';Il~r;y',i'f;I:.;\'1 ' , ,
HARRISBURG
IC,'jy'! ".,
HNNSyL V A~IA .
PENllSYLVA.~lA.
. , , '(s(~i~i '
. .MA.Y..~.
17007
.,..,,,,,,
I. \IUIlIW\n:WS l'IW~I1SI.Il} \',\ Y
In 1\.'11I111 li.ll ;1 !u;1I1 l!1OI1 I II;I\\.' r\.'rl'l\'cll, J pIOllli,~c Illl'i1Y LJ S, $, J.5,~OOP",QQ,.
"fllilll'ip;d"), pltl~ illll'tl'~l, (n 1111' "Ilk, nlllK I.clHkl
Ill( Itlllle! i~ M~HBERS 151' FEUERAI,. CRE!>IT UNION
(\hi~ uliloun( i" clillcl.!
111l1(h:r~lnl1d Ihallhc I.elu":r IIl11Y Illlllsh.'!' Ihi~ NUlc, rile LClld~'r or illlytlllC wI\\) t;lk.C~ thi,~ Ntl(C hy uamiler litH,! Wllll i~
l'ruinO:lt III rl'n'ivc 1'1l)'lm'rll.~ \llId'l.'" Ihi.~ Nll(l.: I~ calle,l tllC "No,e 11\\1\11,'1,"
l.INH.Il!.SI . b" III
ltltel'e~1 wl1l he dWfileu \lIlliI\' IltlPIPll jlrincipilllll1ti! Ill'.; Ildl tIIlH\\l111 (II the pdncipol hur. ccn pal. WI PIlY
ml\'tc~ll\lll 't'clHlv Il"( ,,1' , , ,,8...7.5., "" %. ,. . 'I '
'1 ht' i;'lcrc.~1 rille l'C\jUil'CU by thl.~ Scl'liol1 2 L~ lite rUle I wdl 1'1lY twill bel ore nnd ufter allY dcflul\l de"C:f1 Kd III
SlTllll!l (1111) (lfllm Nllt~,
.\. I'A rMENTS
f^) Tillie I"d l'l'l'(' 01 1"YIII('lIh
I wil11"tY IlrindplllullU inll'lcs\ hy l11;1kltll;t PU)'ll1t:PC, C\.CI'Y IO\lIlecn UIl)'5 ("Illwedd)''') 002 ' .
I will nlllkl: my hiwl'ckly Pll'r1l1l'I1!~ hq.tilli\ill~ (111 ",J.tro~..7""""""",""")' ,~., . , . , lilHl.c(lnlllltlllll/.
(;,L:I,' 1'\\lIIll'Cll UllY" thcI'Cll'lef'. I wllIlllll"C lh,,~c paYlllCnlS ~'\'cry Illurlt'Cll UilY~ lll11111 hllVC I'1Il(j Ulllhc prllH':lpill illlU
illll.'I:;:SI ,1111\ ;111)' "lhel' l'hllf'~CS UC~l'l'ihcu hC1l1W thai Iluny owc ulldcl' Ihis Nole, My biwt'ck,i)' pll)'IfICl1tS WIll be npp\lcJ \0
ill\~lc~t hd\llt: pri1H:ipal. 11'.011 , ,.MAX ,1 ~, '" ' , "",.'""., '.' ,~9J,2,., 1,~til1 owe ~llI(Jllnt' under 1111' Nuk, I
will pay tll\ISe Ulll\llllll~ 1" lull tlllllla( d;llc, wflil-'h i,~ l,'illlcl( lllc "t11illllliIY dlllt." P 17055
I will Illilkc Illy ~Hwce~J)' llllymclll.~ ill" .~OOQ +.OUISE UIUV,E MeCltAN,l.C.~~VP.,(h . ".,.".",
"""'" "..""., "', ".""". or lit u uinc,cll! r11m;e d I'cqllireu by lhe Note Hulder,
Ht) IHlIUtlul IIf Uh~'I:l:kl)' '111)'!\l~III~
My b!\.\'cckly IWYllH'llI will hI: III lllc illll\HII\1 nlli.S $, ,~~9,',~~""" ".",
4. IllllllWWhll'S II 11;1 IT TU l'III:I'A Y
I hllY'\.' 111\' ri~hl II) 1l1llkC lhl)iIIICl\l~ ()1' pl'im'ipld 1I1l\ny lillII,' IIdorc IItI:V !lIe UII~', ^ "uYIllC'Ul 0/ prilleqwl ollly I~
kllOWlJ H~ It "pl'epll)'lll~'III," WIlcn Illlj!k~' II (lr~'I':IYlllcllt, I wili lell the Null' Ill/Ide!' III wrilin~ Ilwl lunl uoin8 SIl.
IlIlil)' lltllkc It flll1jHl'IlHYlIll:llt ll'Ilill'lil11 prCpll}'lllCl1h wilholll pH)'ill~ any ptcP:IY'11e1l1 t:hllr~e, The N(llt'lloluCf
willll."~ lllluf' my rncpllYll1el1ls 1u H.:dlll'C the Ill110unl nll'rilH:ipullllm I (Iwe Ulllll'l' ,hi~ Nute, If I make 51 f"ll1!;UI
\'HCI1LlYI11CIII. there will be IIn dllllll:.C~ ill the uue <.lutc (tl' il1lhc tlll1\HlIIl 01" Ill)' hiwccldy f'uymclll ullle~s tile Note liohJcr
1lt:1Cl.:~ ill WI ilill~ t\llJlllllC ell'lllgell.
~. WAN CIIAlWhS
ILulllW, w"i~'h atll'li..,~ In thh In,,11 (llld whidl Sl.'I.~ nlllxinlunllullll (.'tllll'~l.!lI. ,.~ l'illully illtel'P1C1cU ~n lhot Illl; 1I11l;rc~1
or nlh(l' IIWO d1Htj,,:t:~ ~'ojll:dl'tl or tn h~' \,:ollr;:l,:ICtlll1 C(IIlIlCclilltl with thi,\ 10;111 excceu Ihe PCrlllilicU Ii11lil~, Illell: til ;III.V
/l1I1:!! 11l;1I1 t:hilrJ.\c slwlllll: fedw,;etJ hy the ~ll1l1l\llltl\CCe~~lll'Y tp n~Jue~' the l,;l1,,,~c tllthe IICI'llllttlld limit; lllhl (H) 11llY ~llIll~
Hlrl'ad~ \,:ol!cl:led IrOll1lllC whkh eXt;cedcd IlcHn;1\t;u Ijllliuwill he l'cfunucu In l11l\:,lh.. Nl.IlC Holde" n\ll)' dHlll,~C lo Ill,lkc
lhis Idlllld hy n:u\tcing the rHindpul1 owe ulujcr this Nole or by llI11kil\~ II direct IHIYIllCllllo Ille, n II reflll1u 'cducc~
pril\tlpiLl, lhc rCthlctiulI Will be I1'CIU{'U n~ n (llll"liHI prqlilymcnL
6. \I0llilUWEIl'S I'AI/.lJIIE lO I'A Y ^S IWQUlIlW
jA) I.lf(, ClllH.~ lur ()urdu(' l'a)'lu(,llll!
H the Nllle Illllder I1n~ Ilnl r'c'I.'civcu lhe hill ilnHltll\1 of nil," biwt'ckly paYlllcllI Ily the ellt! tlf , 1,S . (;,tlCIIJ,1I
II;!", ;llll'llhc UlllC il iHllll.:, I will J1ilY nlule clHlf~e tllllle Nulc lluluct. 'I ht: IIIlHHlIIt l,flllc l.'111I11loc Will he ~. OP . 1ft, ,II
Illy OIll:I'dllC IllIy111ClII ur [lrinclpul ;Iml illlcfC5t. f Will pilY Ihil I;lIe charge l"'nUll"lly but oril)' lllH:C 011 ~ll\.~h Jillf [\UytllCIlI
(I)) Udlull
If I do nnt fluy tllC rUIlUlllUUIH or cueh biweekly pnymcllI Oil the dutc illl due, I will be in dcf;lldl.
(t) Nllllu uf DefRult
If IUUl ill uel'lIldl, I flt' Nllle HI\I~h.'1' l1l11Y ,~clld t11C" Wrillf.'tllltllice Icllill~ lilt 1 lUll ir 1 do nol I'lly 1 hI,' \J\'CI'UUC !l1!i\IIII:/
hy II I.:CI'tllill dlllc,lhc: Nole lI(du~( lIlay 1'1:\(uilc mc 10 P~IY itllllll:Ji;lIcly lllc 1'1111 111110101\ 01 rl'lm:ir.1l whidl hll~ !lul beell
rwid Hnl! nJIlhe ;nlclc~1 Ihull oWQ Ill( Ihlll illlWUl1l, ThaI t1ntc InUlIt be tllleu!>1 :lOdllY~ !ll'ler the cJlHC (Ill which Ihe IwtltC i~
uc:iivl."rt\1 m 111;ljlc~! \0 11\1.'.
II)] Ntl Wlhu 11)' Noll lIoJut'r
I \'''r1 if', 111111 ill1c will''' I Iljn ill tld tllll!, llle Nlltl' II \11drl" ~Ioc~ 1101 re~l\me me 10 (I~IY itlllllt'l.liillcly 1111 HII ;].' UI.:.~I,;I i1~l.'0
ill"lll" Ihl' Noll' tloluer will ~lilll111VC llw li~hll() UO.H1111 ,1I11 io ucrulIllllI H IlIlcl lllllC,
(I-;) 1'''YlflfUlll( Nlllc 11,,11.1<:1"._ ('olih Mild b,jlt'II"'~
I( Iill' Nllle llnldl'~ hilS I'l'\jltil'l,:d llll' IIJ I"lly 111111ll'lliilh'ly 11Il\III;t~ dC~l'rlhI..'J lIh\IVl,), tilt' Ntllc Huldl'f will h:I\r,: lill'
(;#/11 to "c (llli1J b/ldt 4 11ll;'.lor /llll,r iT' ('''sl~ llli(1 ''''r':Il'r;-~ ill cllhJh.;:t~ !hi!i ~:ill( tv. tho.: ,:llo.;lll nlll rl\lh\bi!~J I:)
'll'l'lknblc law, T\1or.e eltl'lClUc~ ill<:lude, flH cxallll'llc, rcnso!1!1hlc lillllfl1e)i.'!' lec.'!
1. (;IVIN(; OF NOTICES
IJlllcs" I1lll,licuhlc law requirc.\ il dilTt:te1l1 mellhlu,llllY rWlil'c thull1\\I~1 he p,ivl.'llhl me unc.h:l' llli~ Noll.' will be
f.!i\l:1I hy ddivcrjn~,11 Of hy Illllilitl~ il hy lil'~t dll,o;~ 1Illlillt1l11C ill Ihc I'ForClty ^udrc~,~ "hove VI' "I odiHcllml ;IJul'..:uil j
1J..1Vl.' 1110: No((' 1I1IIdn a Iw!it'c olmy dincJ'elllllu~lrC~~,
AllY llndec IhllllllllSI bl,' given 10 thc N(lle II olucl' umh;r 1 hL, Notc will be t(iveli by, ll1uihl1j it by firM eln~~ Alilll 10
the NOle lllducr ;lIlhe udureu staleu ill SCl:li\l11 J{^) above or ullldillerent ..durcu if I nlll given II notil!C urlhat l.!irJctcl11
~uus~. '
MUL TISTATE FIXED RATE NOTE-s;n," r.mil,_Bi...k1,
23130264 P'IO 2181
BANCONSUMER FORM US M.190 (IOIB5)
EXHIBIT "A"
DEC-18-03 10:30 AM
MEMBER:31ST FC:1j It,~:::;. DEPT
71 7795~, 118
F. ,.'.1 1
8. OBI.IGATIONS OF rERSONS UllmER TillS NOTF.
II" Ill"" (hun one flerson .i~n. Ihis Note. cileh person i. flllly ..n.1 flersonlllly ohlij;lIled tu keeflllll Ihe plomi",
mi~de In lhi:i Note. including the I"rollli!u: \0 f'uy the f\ltl UrTlmllH owed. Any person who is u gllamn1 Of, Sllrety Or' cIHti\r~c..
orlh~:i Nutl: i:t il'SO oblign\cd \0 do these thirlg', Any rer~on who t,lkes OYer these ohligulions. includill~ ill\.' lIbli~aljnns \ll
il gunrulllor, surely or endor~cr of thili Note, is '1lso obhguled to keep ult of the "romise~ Illude in Ihis N,lh:, 'I he Nt\li.:
HohJcr mny ellror~c liS ri~ht~ unf.tl:r Ihis Note fl~.lin~t euch I"ersnn tndividulltly or t1g'I;I1"t all of Us to~r.!thCL ll\i\ l1l~i\n'i
Ihill ill1Y Ol1e 01 liS '"11y he reqllired III pay illl of Ille IIm('llll1!S owe.llInder this Nolo,
9. WAIVEIlS
1 illHI any other pcr>>on wht} hus ohlic,ntinn" under IhlS Note wfli\"c the rights of' "rcsclllm....nt illld lIol;,.'c :.1
l.1ishtlllor. '.I're~CIHl1lcntn mc\tns the right 1.0 require the: Noti: Holder In lh:mand p~IYl\le1\t HI" lInwunls du~ "~olit'l; III
tJi.ihonnr" meuns the right to require the Nnte Holu~r 10 give notice to other f'crsons 1hut ~tlll\Hlllt~ lIltC hltv~ Ih1\ nU':1l
pnid
10. SECllllt:n NOTF.
In udd,lion tothe prOle~tions given to the No,e Ilol<ler IInder Illis Note." M(1rl~lI~e. ("leed ofT'"SI or See",':}
n~~d Ohe "S~c\lrlly Jl\sltUm~IlI"), ,lilted I he!:w Ole ~lillc liS I hIS Nulc. prnlcCI S 1 he Note Ilutd\:f !rom ros>iihlc !j.,:o.sc,.; 'WhIch
miGlll rcsul1 if I un not keep the I"r()ll\i~c!\ which' Inilkc In this NOIl:,j hit! SCC\H Ily Im:lnillli.:nt dt.:sr.:ribcs IlilW HIli! \IIi,h:1
Whill c~lndilioJ"s I mny be n:l.lLlircd to Illake immctlimc rilYI11~nl ill full of It II iHlltllllll, I owe IIlHkl' Ihh Nlltlo!. S\\ll\~ o(
lIH")be conditi~H'S urc describcd us fullows.:
"l'r.n.r.r ..flhe Properly..r. nellefielulIrllerhlIn n..rruwer. I r ullllr allY 1'...., of llw I""pen Y Ilr allY
inlerest in II i. so"l ('lr trlln~lcf['ed (or ifll henefic,.1I inlerest ill lIomlwer i, ."Id nr Irllll"l'ened and Illllrnw"1 I,
notu nutllnll t'h:nH\nl wi1hollll.cndcr's prinr Wdllc.:11 COf1!Ocnt. (,ender IHhY, hI it~ opllon, najl,in~ iUlll\l,,)'dllilC
flllymolll ill full Ill' 1111 Slims oecul'ed hy this Security Illstrlllllcn!. lIoweyer, Ihi, ol'li.", 'hllllll'" he ",,",ei,ell !ly
Lender if exercise is pUlhihitel1 hy l'ellel""llaw '" "" Ihe dllle "I this See\llily Ills!lumen!.
. If lI:ndt:!' Cx.crclau:s thi$ option, I.ender SIHII\ !;i'vc IhHfo'Wcr noli~c of uCl.:ckralillll, The llntil..'l.: shlll\
(1rilviue u I"crlod of not lc~~ th<<" .lOdl.lYs hlHll thcdlilC the I'otkc ios tlchvcl'cd ill' I1lHilc(j willlirl Wllil'h 11()llllWl.'i
nUll' flllY all illl11S secured by this Seeurity "'iIIUIllCnl. II Ill".."""er fall, III pny Ihe,e S\lIllS rl"ior t" llie
e~flirulion nf 'his I'erind. l.cn(J\:r may irwokc .my rcmcdic~ p1.:rmiut.:d hy Ihis S~l.'(~rily 11l~lrum~IH wltl\nlll
further Ilolite (lr dCI1Hlnd on Borrow!.'f,
WilneiS II'e Ililnd(s) Qnd Seal(.) of the Un
. .(Sentl
e\!rl<J"'~1
. .ISenl)
io'H.w~r
.".....,..",...........
'......'.....'....,.... .IS.,II)
6..lf<.l....'
[SI!ln OrIKi,,(// 0,,"')
DEC-18-('l3 11:45 AM
p. eo:.
"
J
ALL THAT CERTAIN lot or piece of ground situate in South Middletown Township,
Cumberland County, Pennsylvania, bounded and described as follows, to wit:
BEGINNING at an iron pin in the northwest corner of Lot No.7 as shown on Plan Book No. 65,
Page 137, and located on the southerly side of Lot No. I; thence South 71 degrees 38 minutes 10
seconds East a distance of 590.15 feet along the southerly side of Lot No. 1 to an iron pin located
in Mountain Creek; thence South 28 degrees 23 minutes 27 seconds West a distance of 81.36
feet to an iron pin; thence South 37 degrees 07 minutes 46 seconds West a distance of 191.36
feet to an iron pin located in Mountain Creek, on the northeastern side of lands now or formerly
of Lee A. March; thence North 60 degrees 03 minutes 28 seconds West a distance of 25000 feet
on the northerly side of lands now or formerly of Lee A. March to an existing iron pin; thence
North 69 degrees 11 minutes 28 seconds West a distance of 158.20 feet to an existing iron pin on
the northerly side of Woodland Avenue; thence North 18 degrees 21 minutes 50 seconds East a
distance of 14.38 feet to a point; thence North 71 degrees 38 minutes 10 seconds West a distance
of96.46 feet to a concrete monument; thence along a curve to the right, having a radius of 15,00
feet and an arc distance of 23.56 feet to a point; thence North 18 degrees 21 minutes 50 seconds
East a distance of 175.00 feet along the easterly side of Lot No, I, the point ofBEGINN1NG.
CONTAlJ',lNG approximately 2.82 acres.
SUBJECT to lot restrictions as set forth in Plan Book 65, Page 137 and Page 137C.
SUBJECT to restrictions of record.
BEING all of Lot No.7 on the Final Subdivision Plan of Michael A. Marhevka, Jr. dated August
18, 1991, as recorded in Plan Book 65, Page 137, et seq.
BEING the same premises which Keith M. Kenski and Theresa M. Kenski, his wife, by their
deed of even date and intended to be recorded immediately prior hereto, granted and conveyed
unto Wayne A. Quackenbush and Sunny L. M. Quackenbush, his wife, Mortgagors herein.
EXHIBIT "B"
DEC-1~:-03 11 :~O AN
t' . ':.~ 1
()~e(I'T I' 7117GL""
. "t. " . "" ...~ (. r,
Tax Parcel No. 40-30-2646-063
, 'I 1 ; ~
i: D~EDS
.': i rilY ..F'A
,- ,. ,..., .
,( l,l!',
'021'1AY 7 AI'IIO lJ7
IlpHI AU..I Thll Unl Fo. ft..ordlnG 0"'"1
MORTGAGE
;pns MORTOAOE ("Secu~r. Instrllment'~ il~ven on ...... ~'r..t............UN"''''''''''''''''''''''''''''''
..~R..;!. . The mo"c.cor I.. ..WA1.I'\~..^,..!lR~.q..~t;..~~..;l!n!l...~~.Y..h.H,...Q.l!M......lW,~'L.......,..............
.......................ti'iid.......................... ("Borrower"), This Security Instrllm.nl il alven to ..............................
......~~m~rO.~~....."r.l!\.9!~\,V,l)19..1............................................................ . which Is or.anlzed and exi'lln.
under the Ilws or ..~1l',..Vn~~,'.4..~.~!IJ...'l..p.f...~~J::~.............. $ .nd \>Ohole addrn. i. .....................................
.................... ... .~~.Wy!~E. P.~~!!.'. M!;~g~~l<r~~V.~.9...!'~.!m.......,. AND' 'NO" ()' 'E' .ltttiW~li'1'H'g'" (" Lender" I.
Borrower owe. Lender the princ:iplllum of ..Ii'Q~TI~nV)l..m9\.!~.~................!L...........~...........................
............................................... Ooll.r. (U.S, S ....4.5..Q9,O..OIl......)h1"lfAc;\II.!. evidenced by B<lrrower'l nol.
dlled the .Ime dale at Ihi. S.curlty InSlrllmenl ("Not."). which provides rorlilllfpiymenll. wllh the.1\J1I debl, If nOI
plid earlier, due and plyable On ...........MA!.11...2P1.2........................................... . Tni. Security In~'rIlmeot
secures to Lender: (a) the repayment or Ihe debt evidenoed by the NOI., with inlerut, and IU renewal., eXlenllon. an~
modincations oflhe Note: (b) the plyment orall olher .um.. with intere.l. IdVlnced und.r parlsr.ph 710 proleCllhe security
or Ihis Securlly Instrumenl; and (e) the performance of Borrower's covenant. Ind asre.menlS under Ihi. SecurilY InSlrllmenl
and lhe Note. For this purpole. Borrower doct hereby mong_.e. sranllnd convey 10 Lender the fOllowin, described propeny
located In .".. ."..c.wm~~. '" ...",.." ,.".......... ......" ,.... ..........", ....... ......... ..., .".... County, Pennlyl"ania:
SCHEDULE "A" ATTACHED
which hallhe address of '".~.Ql.7 !i'Q9.l;l.J,.MW..A.Y~.?fl!L... ..... ..................
ISt,..ll
Pennsyl".nia ......PR~?.....................". ("Property A(ldress");
IZI" C.,kh!1
BOILING SPRINGS
I" ......,.."...."..,.....,,,.......',,,,
ICir)'J
TOOETHER WITH all the improvement. now or hereafte' ereceed on the propeny, and all eusemenll. Ippurtenances.
and nXlurel now or hereatler a part of the prope"y. All rlpllcemene. and additiOns shall Ilso be covered by this SecurilY
Inslrument. All of the fore8oing i. rererred 10 in Ihi. Security InSlNment IS the "Propeny."
BoRROWER COVENANTS thaI Borrower is lawfully ..bed or the esrall: hereby convey.d and h.. the right to mon..agr.
eranl and convey the Prope"y and thll the Property i. unencumbered. except for encumbrances of record. Borrower \>Oarrant,
Ind will defend aenerally Ihe ritle 10 Ihe Property aeain.1 all claim. and demands. subject 10 any encumbrance. or record.
PENNSYLVANIA-SlnOII FamIlY-fonn'. M.SlFrlddl. Mil UNIFORM INIIRUMfNT
form 3331 1190 (POt< I .1 6 ""'>1
Rev. 8/1/7
EXHIBIT "e"
DE l~e\.1 Wi9S-; I. 1 : 41 At.,
~:>
THIS SECURlTY INSTRUMENT combines uniform covenantl for nalionll U$C and non-unifoflTl covenants with limited
vlriations by)uri$\liclion to constitute a uniform security Instt\lmen! covenn. real property,
UNIFORM COVENANTS Borrower and Len<ler covenln! and agree as foHows:
I Paymanl of Principal and Inleretll Prel'aymenllnd Late Charles. Borrower shall promptly pu)' when due
the princ'lpal of and interest on the debt evidenced by Ih. !'I9te and any p'eplymenl and la.le chlrl'ls due under lhe Not.,
Z. Funcb 'or Taus lInd IIl.uranet, Subject 10 spphoall1o law or 10 a written w.'l~er by Lender. ~orrow~~ sllall
ply 10 !..ender on lhe day monlhly ?aymenls ar~ due \loder the NQI', unllllhe Note Is paId In full, a sum ( Funds ) for:
(a) yearly IIl1e. Ind UJenmenls whIch may IlIaln prlcnhy P~Of lh'l Steullly Inlll;umenl.. I hen on Ihe Pro!","y: (b) yearly
lel..hold paymenls or ,round renll on the Proporty, ,r 'ny. (e) YOlrly nlUl~ Of property Insurance premtums; (d) yearfy
nood In.urance promiums. if any; (e) yearly monaaa' In.urane~ pr'rnlums, If any; and (t) any sums payable by Borrower
10 Lender in accordanc, Willllh, provi.ions of pal'laraph 8. In lieu of Ihe paymenl Qf mp"c.,e insurance premium.. Theso
lIems are ~alled "Escrow Ilem.." \,ender may, al any time. collecI Ind bold PUPil' in an amount not to exceed the maximum
amounl a lender fC1r a federally relllld mCll'\pgo !!lan may re~uirt 1\1. JOffC1wer's esc,ow IccOunt under the fed,rat \l.eai
Esllte Sentement P'lICe<lUrcS Ael of 1974 a. ""el\4ed frplft lIrl" III Illtle. 14 U,$,C. t 2601 tI $'q. ("RSSPA"). unln.
Inolher law thaI Ipplles IQ Ibe Punds Je18 . loa,., .mllvm. !f~, lAnct.r may. II any lime, COUccI and hold Funds in ."
amounl not 10 exceed tlle leller _nl, Lan4er may ."Imllf lho amounl of Fund. due on the bui. of current dall and
rellonlble esumalel o( e~pendltures of fuN.. !ferow IIams or oth''''''iIC In accordlnce with. Ipplicable law,
The Fund. sball be lIeld In an Instltulion whoae depo.IU are in'Ured by . feder-.l '.oncy. insU\lInenwilY, or enllly
(incl\lClin. L.ender, If l.endlr i. lueb an inttllUllon) or In any Federal Home Loan Bank, l&ndtr shall apply the Fund, to
pay Ihe Escrow ilema, Lender may PlSloha"e /lorrower for holdin,.nd IPf1riR11lI1 PIIedl, anntWly analylln. lhe eJcrC1W
IccOunt, or verify in. the Escrow Items. ullle.. ~fllJfr ply' Borrowtr inc~f" ~I\ 1M funda and appllcablellw perml.. Lender
10 make Illeh a cherie. However, Lendtr may t"lutr. hfl'OWlr 10 pI~ . ono-Um. chlr.. fur an indepell<k"1 r~l eatale
lU ~JlOnln. service \IICcI by Lender In cOlU\CCtlon with till. loan, unl,.. appUcablela... providea oU1er.vi... UnI," all ..""menl
is made or appllcabl. law requires intere'llo be paid, Lender shall ROt be tcqulred 10 pay Bol'l'ower 11II)' Interetl 0, earninls
on the Funds. Borrower 'Ild I..ell<kr may .,ree in wrilin.. however, th,II inlereSl "IlU ~ palt! on lIla FUnGs. Ltnder shall
alve to 801'1'0wer, without char.o, on /I1IIlU~ ,ceounrin. of en. Fund.. 'hpl"iftl ,Ntllle and dlb!fI 10 che Fllndsand the pUrpose
'or which elch debil (0 the Funds w..ma., Tho !1ijnQs III pl""~Q II IlIllhlonal.ocurllY (or all sums aec:ured by this Security
Inslrument,
If the Funds held by Lender exceed the amOUnts ""mUtted 10 be held by 'pplleable law, t..e* ahall accounl to Borrower
fo~ lhe ,~cess Fund. in .ccord.nee wilb Ihe requlremenl$ of Ippliclble I,W. I( thl 'I'IlOUnl or the Fund. h.ld b)ll.ender ar
any time Is nOI lum.lentlo ply Ibe Iltcrow !tems when dU~1 1.#14er m.y so notify Borrower in wrilina. 8/\d. in such cue
Borrower shtll PlY 10 tendor lIIe ,mount nece.sl!) Ip Inlke up rhe deflcleltq'. Borrower .haIl mike up the deficiency :n
nC1 more than Iwelve monthly payment., all..411cll1r's .ole 4i~rclion.
Upon p'ymenl in full Clf all sums ..cured by thl, ',curiIY InSltllment, lAnder shall promplly refund 10 Borrower
'ny Funds held by Lender, \r, under parl.raph 21, lender shall.cquite or sell the Propeft)', Lender, prior 10 the aCQulshlon
or ..1. of Ihe Property. Ihall apply sny Funds held by under at Ih, lime of acquisition or ute II I credit a,IInSI Ih. sum&
.ecured by this Security llJ.4lll1llll:flI,
3, Appllcallon or Paymlnll, UnlllS 'pplioable law provld.. Clnatwill, all plyments receivod by Lender under
plraaraphs I and 2 shall be .pplied: firSl. 10 any prepayment cllar... Gue under !he Note; SeelinG, to amounts paYlble under
plrasraph 2: third, 10 interesl due; founh, to principal due; Ind lasl. to Iny Ille char,o, due under Ihe Note.
.. ClI.ra.l; J.Ial\ll, !!orrower shill ply alllaxes, menmenu. chll''', lines and impo.ition, Illrlbul.bJe 10 the
Property wlllell may Illlin prillrll)' pver I/lis Security Instrument, and leaaa!tQldpayrnenlS or ItOIInd 10nts, Ir .ny. SOffow'r
shall pay thcse obll,alions In Ihe mallll.r proylded in p"l.rapl1 4, or If nol paId in thai m.nner. Borrower shell 1")' them
on rime directly 10 lhe I'CfSon owell Plyment. Borrower 'hall promplly furnish tC1 !..ender all nOllees of ,mounts to be psid
ullder this pallarapll. If Borrower mueslheJe paYmetll$ directly, Borrower shall promptly furnish to Lendtr rectlpts ev,uenclng
IlIe payments.
Borrower shall promplly III"harae any lien which haa priority over this $.._urilY Inslrumontunlell Borrower; (I)
agree. in writing to Ihe plyment of tho obll.allon IccurCll by lbe lien in I manner accepllble 10 Lender; (b) conies" in ,000
faith the lien by, or defenos l.al!,'1 enforcement of lh. lien in. I"al proceedln,s wllich In,the LeMer's opinion operate 10
preVent the enforcemenl of lhe lien; or (c) secures from tile holder of tile lien an lareell\onl Sllilfaclory 10 Lender sullor.
dlnalin, the lien 10 this ~eeurilY Jnllrumenc, If l..ender determines lhac ally part of the ProJleny ia subject to I lien whkh
mlY IUain priority over rhb Seourlly Instrument. Lender mlY ,ive Borrower a nOlice identifying !he lien. 8crrower .1Ia11
Nli.fy the Hen or '-lie ont or more or IlIe lotions Jet fOMh above "'llltln 10 d.~s or the ,iving of nolice.
5. Huard or Pro...r1y lnallnnte. Borrower .hall keep lh. imp'ovemen" now cxtslln. O' hereafter erecle~ on
the Propeny insured a"lnst loss by lire, hUlrds Ineluded "'Itilin lite lerm ".."nded coveralle" and aoy other h"ZQr~,.
incllldina floods or floodini, for whiCh Lender requires Insurance. Thl. insurlnce shall be main'-ined In Ihe amounll and
FQIIl1 3" IIIG (p... 1 of ~ "",..'
''''AM
F' . ('I E.
t"
for the periods that Lender requires. The insurance carrier providing the insurance shall be chosen by Borrower subJect iO
Lender'S approval which shall nOt be unreasonably withheld. If Borrower fails to mainta,n coverage desc.ribed above, L..nd.r
may, at Lender's option, obtain coverage 10 protect Lender's riahl$ in the Propeny In accordance WIlli paraaraph 7.
All insurance policie. and renewal. .hall be acceptuble to Lender and .hall iru;lude a .tandard ,monsase clause, Lender
.hall have the right to hold the policies and renewals. If Lender requites, Borrower shall pron;plly give ~o Lender all receipts
of paid premiums and re'new;1 nolicts. In the evenl of Iou. Borrower shall give prompt nouce to the Insurance ca",er and
Lender. Lender may make proof of loss if nOt made promptly by Borrower, . .
Unlen Lender and Borrower olherwlse asree in writing, in.uranee proceeds shall be applltd \0 restor.tion or repa"
of lhe Propeny damased. if Ihe restoration or repair la economically feasibl. and Lender'. ..c,urity Is nOt lessened.' If lhe
r"toration or repair Is not ecol1omically re..lble or Lenders .ecurity would be le..ened, the Insurance proceeds shall be
applied to the sum. secured by this Securi!)' Instrument, whether or not then due, with any excess paid to Borrower. If BOlTower
abandons the Prupeny, or doe. not answe' within 30 d.ys a nntice from LInder that the in.uran~e carrier ha. e>((erld 10
settle. claim, lhen Lender may collecllhe insurance proceeds. Lender may UIe the proceeds 10 repm or reSlote the Propllrty
or 10 pay lum, .ecured by Ihls Security rnmumenl, whether or nul then due. The 30-day period will be,in when rhe nOlice
is given.
Unlen Lender and Borrower othe""ile a,ree In writin., any appllcalion of proceeds 10 principal shall nOl eXlend
or po.lpone thl due dale of llIe monthly paymenll referrld to in paragraphs I and % or chanae lIIe amounl of the paymenls'
If under paraaraph 21 the Property Is acquired by Lender. Borrowlr's rl,htlO any InsurancI policiea and proceeds rlsultlns
from dams,e to the Propeny prior 10 the acqui.iUon shall pass to Lender 10 lhe eXlenl of Ih. sums secured by lhis Slcumy
Instrument immediately prior to lhe acquisition.
6. <kcupancy, Puservlllon, Malntenlnce and Proteclion 01 the PropertYI Borrower's LOin Application;
~8seholds, Borrowlr shall occupy, eStablish, and use the Propeny as llorrower's principII residenCe within .ixty days
after the execulion of Ihis Security InSlroment and shall conlinue to occupy the Property al Borrower's princlpa' residence
for a' leasl one year a!'ter the datI of occupancy, unless lender olherwl.e a,reClln writing, which consent shaU not l>c
unreasonably wilhheld, or unless "tlnuatins circumslances eXI,t which are beY,ond Borrower's control. Borrower shall not
demoy, dam..e or impair the Propeny, allow the Propeny 10 dlterlorate, or commit waste on the Propeny. Borrower .hall
be In defoult If any forfeiture aClion or proceedin,l. whelhcr civil or criminal, 15 belun that in Lender's good railh judamen,
could relull in forfeiture of the Propeny or olherwi.. materially impair lhe lien cr..tell by this Security Insln.Jmenl ur Lender,
securily inlerest. Borrower may cure such a default and relnstlte, .. provided In par,sraph IS, by caul Ins the Iclion or
proceeding 10 be dismissed with a ruling that, In Lender's good flith determination, precludes (orfeiture of lhe Borrower's
inl.reSI in Ihe Propeny or other material impairment of the lien created by lhis Security Inslrome", or Lender's See'JrilY
interes\. Borrower shall al.o be in default if Borrower, during the loan applicalion process, gave materillly false or inaccurafe
information or stalements 10 Lender (or failed 10 provide Lender wilh any material information) in conneclion with lhe loan
evidenced by the Note, Including. bUI not limited 10, representalions concerning Borrower's oceuplncy of Ihe Property,.
a principal residence. If thil Security Instrument is on a leasehold, Borrower shall comply with III the provisions of the leUt,
If Borrower acquires fee title 10 Ihe Properly, the leasehold and the fee title Ihall nor merge unless Lender agree. 10 tne
merger in writing.
7, Protecllon or L.nd.r's RIchla In the Property. If Borrower fail. to perform Ihe covenanlS and agreemenll
contained in rhis Slcurity [nstromenl. or there is a legal proceedinllthat may significantly affecl Lender's riShl. in the Prope'1Y
(such II a prOceeding In bankruplCY, probate, for condemnation or forfeiture or 10 enforce laws or re,u:.tions), thIn Lender
may do and pay for whalever is neclssary 10 prolectthl value of the Propeny and Lender', rlchlS in lhe Propeny. Lender'l
lell?ns may include peying"any sums secured by a lien which has priorily over this Security Instroment, appearlnlln COUll.
paYing reasonable attorneys' fee. and Intlring on Ihe Property to make repairs, Although Lender may lake aCllon under
Ihis paragraph 7. Lender does nOl have to do 50.
Any amounts di.burled by Lender under this parasraph 7 shall become additional debl of Borrower securld by this
Slcurlty Instrument. Unlen Borrower and Lender agree to other llrms o( payment, these amounts shan bear interelt from
Ihe dale of disbursement 01 the Note rate and .hall be payable. with Inll,esl, upon notice from Lender 10 Borrower requesling
payment.
. 8. Mortsace lnsurance. If Lender required monlage insurance II a condition of making the loan secured by thIS
Securny InStrument. Borrower shall pay the premiums required 10 maintain the monga.e insurance in effect. If. for any
reason, the monsase insurance coverage required by Lender lapses or Ce.llIlo be In effect, Borrower shall pay the premi~m,
reqUired 10 obtain coverale subslantially equivalent to the mortgage insurance previously in e(fect, at a COSl subSlanualiy
eqUivalent to lhe CO.llo Borrower of the monsage insurance previously in effect, from an altemale mortS"gc insurer appro'tG
by Lender. If substanlially equivalent mongage insurance coverage I. nOl available. Borrower shall pay to Lender each mOr.\h
a lurn equal to one-Iwc"'h of the yearly monS.ie insurance premium beinS paid by Borrower when the insur.nce coverage
!spsed or ceued 10 be in effecl. Lender will aeeept. use and retain Ihe.e paymenll as a loss rese've in lieu of mon~uie
Insurance. Loss relerve paymenls may no longer be required, at Ihe option of Lender, if mortgage insurance coveralle (in
the .mounl and for Ihe period Ihat Lender requireS) provided by an insurer approved hy lender aeain become. availabie
farm 3G38 IlVO (pa" J .f 6 p.,"
DEC-l ~:-(13
11: 4:? Ar'1
F. ':)-.+
and ;sQhI8lncd, Borrower shall pay the premiums required 10 ",.inli;n mort~age in~urance in effect, or to provide I 10"
reserve. unlil the rcquiremell! for mUrlg.ce in.urance emj~ III ",cordance wllh any "'rmen agreemenl !lclwecn ao,rower
and Lemler Qr applie.hl< law,
9. IJl~pect\III'. I.ender or il' .>>ent may n,ake re.snMble enlrie. upon and inspection' <If Ihe Prnpeny, l.ender shall
give BI'rrower notice .1 Ihe lime nf or prior 10 an IIls""clion lpce'il'ylng r.a~ol\able caUle for Ihe mspecllol\.
10. CnndenmllllclII. TIle prtlcecd. <lr Iny aw.rd or claio, for damage,,' llireC1 or conseque~llal. io eoanecllon,"'II~
any condemn.llon or uther lllkinll nf AllY part of the Property. or fllr conveyance In It.u of condemnallon. are hereby 3S5lgned
anll .hall ~ paid to Lender.
fn the event of alololllnkil\g of 0,. PIOpeny, the, proceeds shan be applied to the sums ~ured by lIIis Securil)llnslr;'mem,
whether Qr not then due. wilh an)' eaee.s paid 10 Borrower. In Ihe event of a parnal tak.inl of the Property In which 'h.
fair markel yalue of Ihe Prope"y immediately before the taking is equal to or Ire.ler than Ihe amount of the SumS s.cured
by Ihis SecurilY lnstnJmelll immedIately before Inetaking, unless Borrower and Lender olherwise alree In writln,. Ih. sums
securrd by this Security Instrument shall bc reduced hy Ih. _mOUn! of Ihe prIXeeds multiplied by the followinl frac1ion
(a) Ihl1 10lal amounl of the SU'"S :lCcured i'nm.lliately before the laldng. divided by (0) Ihe fair markel value of the Property
In,mediately before the taking. Any balance shall be paid 10 Borrower. In the eyenlQf a pa"ial taking of the ProperlY in
which Ihe fair markcl value Ilf lhe Property immediately before the laking is less lhan Ihe amount of lbe sums secllred im-
medlalely ~fore Ihe 'akin., unles. Dorrow.r and Lender otherwise agree in writing or unlus allPlieable law otherwise pro
vldes. Ihe proceeds .hall be applied 10 the sums $Ceured by Ihis Secllrity lnstl'\lment whether or not the sums art then due.
If the Properly is abandoned by Borrower, or if. Itler nohce hy lender to 8orrower thllthe condemllOr offen '0
make an award or ,.ttle a claim for damales. Borrower fails to respond 10 Lender whhin 30 day. after the date the nOli,.
is given. Lender is authoriled to collect and apply Ihe proceeds. at its option, either to resloration or repair of Ihe PrQperly
or to the sums secured by this Seeurily Instrumenl, whelher or not Ihen due,
Unlan l.ender aod Borrower otherwISe a.ree in writ!na. any applicatlQn of proceeds to principal shan not e"end
or txl$tpon. the dlle Ii.te of the monthly poyments rererred to in parnlraph~ I "nd 2 or chanse the amount of such payments.
II. 8orro..er Not Relellsed: Forbn...nce Oy Under Not a Waiver. E.tension of Ihe lime (or p.yment D'
modificatiun of amonizallon of the sums secured by Ihis Securily Instrument irantcd by Lender 10 any sUteellO' in inlereSl
of Borrower shall not operate to release the Iiabilily Qf lhe orlilnal Borrower 'Jr 80rrower's sueeeSlors in interest. l.ender
shall nQt be required \0 commence proceedinis aiainst any sueeessor in inlerest or refuse to extend lime for paymeOl or
OIherwise modlf)lamo"intinn Qf Ihe .ums secured by this Se~urity Instrument by re.son of any demand made by the original
Borrower or Bo,rQwer's sueees,lon in interest. Any forbenrance by l.ender In e.ercisin. any rilhl or remedy shalt hOI b.
I waiver of or preclulle the eaereise (If any right or remedy.
U. Su.etMors and A$5llns BOllrsd; Joint and Seve...1 Liability; Co-sllners. The covtnan15 and aireemems 01
this Se<:urilY Instrllmenl shall bind and ~nefil tile sUcee~sors and assian. of Lender Ind Borrower. lubject to Ihe prOVISions
of paragraph 17. Borrower's covenants alld aireemenls shall ~ jnint and several. Any Borrower who co-signs thIS Se~urity
In.trument bllt doe. I\ot execule Ihe NOle: (a) is co.signing Ihis SeeurilY Instruntent only to mort,aae, erant and convey ,h.>I
Borrower's interest in the ProperlY unde,' ,he terms of Ihis Security Instrument; (b) is not personally ob1i.a,ed to pay :11.
sums leeul"'ld by this SeeurilY Instrument: and (c) airees Ihallenuer Ino any other Borr(\wer may agree tQ "lend. modii;/,
forbear or ma~e any a"ommlldations with regard to tho lerms of Ihi~ Security {"strumelll or Ihe Note wilhout Ihat Borro\>,'."
consent
13. Loan Charges. rf the loan secured by this Security Instrumcnt i. subjeet to ;j law which selS m"imum iOAn
charies. .nll that Inw Is finally i"lcrpreled '0 that the interest or Qlher loan charges collected or 10 be collected ;n conncclion
wilh Ihe loun exceed Ihe permi"cd limits. Ihen: (a) ;jny such l<lan chll'lle shall be redllced by the amoont neeenary 10 reduce
Ihe ehurse IU lite rcm,iUed limit: and (b) any sum. already collected from nnrrower which u.ceded permilled IimilS wIll
be refund.d 10 Borrllwer. Lenller may .h<IV5e \0 make this te!'unu by reducina the principal owed unoer the Note or by making
a direet paymen' III Borrower, If a re[llOu reduces principai. the reduction will b. treatcd as a ponial prepaymenl wilnoUI
any prepaymclll charlie under Ihe Not<.
14. Notices, Any nOlice I<l Borrnwer prOVided for in this Security In5lrumenl .hall be Biven by delivering II or
by muiling il by first cia.. mail unless applicable law requires use "r another method. The nQtke shall be direcled \0 111<
Propeny Address or aoy other addre" Borrow.. designale$ by nlltice to Lenoer, Any notice to l.ender shall ~ given by
lirst claSS ntoilto Lender'. altdresft $taled herein nr any olher address Lendcr designate$ by nQtiee to Borrower, Any nQli,.
provided ror In this Security Insrrunl',nt shall be deemed to have been given to Borr<l",.r or Lender when ,lven i. pro'ld~
in Iftil paragraph.
IS, Governlnal.aw; Severability, This SecurilY lMtrunlclll 5hall be governed by federal law and Ihe taw of the
juri~dic,ion in which the PmpeTly i. Ioc:aled, In the eYenl that ~ny p]'lwl~i\ln or cl"usc of Ihis Security Instrument I" Ihe NOle
connicll with applicable law. such C\lnOi"1 .h,,1I not .f(ect <>ther provision. uf th;s Security InSll"\Jnlcnt or Ihe NOle whkh
e3n be given effec, without the c()"Okting provision. T', Ihi, enll .he pnlvi$ion, or this Security In'\rumen! and the NOle
ore dedared tll be severable.
16. Borrower's Copy. Borrowcr shall b. given one conformed .elpy of the Note and of this Seeurily InWumenl
'orm 31JU tIIO (/HI.(f.J {If 0 ""'''~;I
DE:C-'ll3-03 11 :44 ~r'1
------... .
F' . ,-,:~
17. Trans'er or Ihe Proper1y or a Beneficial Inleresl in Borrower. If all or any pan of the P;operty or an~
jntere.1 in it is sold or transferred (or if a beneficial imere51 in Borro"er is sold or 'ransferred and Borrower IS nol a natural
person) Wilhoul Lender's prior wrilten consenl, Lender may, al ils opllon. require irnmedlale p~~n:enl in.~1l of all.I-tn.
secured b~ Ihl, Se~urily I nmument. However, lhis option shill not be exercised b~ Lender if exerme IS prohlblleu by lede,<1
law as of the date of Ihis Security InSlrument. '"
Ir Lender exerel.es this option. Lender shall give Sorrower nOlice of accelerallon. The nOllce .hall prOVide a period
or not I... Ihan 30 days from Ihe date lhe notice is delivered or m~iled wilhin whlc~ Borro~er mUll pay all sum. '~cU"d
by Ihi. Securhy Instrumenl. If Borrower fails 10 pa~ these sums prior 10 the expltatlon of thiS period. Lender ma~ ,"vo~e
any remediu permilled b~ this Securit~ In'lrumenr withoul !'unher notice or demand On Borrower. .
II. Borrower'. Rlahtlll Rtlnslate. If Borrower meets ceruln condilionl, Borrower shall have \he r1l1hllO h"e
enforcement or thll Securily InStrument discontinued al any lime prior 10 Ihe earher of; (al S day. (or .ucn o~hel' ~nod
as applicable law may .peciry for reinsliltemenl) before sale of Ihe Propeny pursuanl 10 any power of sale conlalned In Ih..
Seeurily Inll/'Ilme"l; or (bl entl)' of a judgmenl enrorcin, ,hi. Secllrily Inslrumenl. Thofe condlllonl are that Borrower;
(al p~y, !.cnder all sums whien then would be due under Ihls Security JnSlNmenl and th. Note as ir 110 accalerallon hid
occurred: (b) cur., any default of ony other covenantS or agfeements; (e) paYI all expenlel incurred In enforcing Ihil Seellrity
Inllrument, indudine, bUI nnllinsited 10, re..onable allorneys' feas; and (d) lakes Illcll aclion .. Lender may reasonably
require to auure that the lien of lhll Security Instrument, L.ender's righll In the Propeny and Borrower', obll,allon to pay
Ihe .ums secured by this Secllrily In.lrument shall continue unchanged. Upon reinstatemenl by Borrower, this Security In.
'Irument and tha oblieallons ,ecured hereby Ihall remain fIllly effeclive al if no aceeleralion had occurred, However, thi.
n,hl to reinsllle shall lIO\ apply in the ease of accelerallon Ilnder paragraph 17.
19. Sale or Note; Chanae of Loan Servlcer. The l'Iote or a panial interest In the NOle (to,ether wilh thll Secoriry
In.trumene) may be sold one or more time. wilhollt prior notice 10 80rrower. A sale may result in a change in the enlil~
(known IS lhe "Loan Servicer") Ihat collecl' monlhl~ payments due under the l'Iote and this Sacurity InSlrumenl. There
also may be one or more changes of Ihe Loan Servicer unrelated 10 a sale of the NOle. If there is a change of Ihe Loan
Servicer, Borrower wilt be given wrillen notice of the change in accordance with paragraph 14 above and applicable law.
The notice will state Ihe name and address of the new Loan Servicer and the address 10 which paymenll snould be made.
The nOlice will allo contain any olher Informalion required by applicable law.
20. Huardoul Substanc:es. Borrower shall not cause or permitlhe presence, use, disposal. slorage, or release
or any Hazardous SlIbSlancn on or in lhe Propeny. Borrower .hall nOI do. nor ~lIow anyone else 10 do, an~lhipll a((ecling
the Property lhat Is in violation or any Environmental Law. The preceding lwo sentences shall not apply 10 the presence,
use, or "orage On Ihe Property or small quantities of Hazardous Substance. lhat are generally recollnized to be appropriate
to normll rcaidential usea and 10 maintenance of the PropMy,
Borrower shall promptly sive [.ender wrinen nOlice or any investigalion. claim, demand, laWSUit or olher action by
any lovernmenlal or regulatory agency or private pany ;nvolvina the Property and any Hazardous Subllance Of
Bnvironmental taw of Which Borrower has actual knowledce. If Borrower learns, or i. notified by any ,overnmental or
rcllulalory aUtnOrily, tnal an~ removal or other remedialion of any Hazardous Substance arfeClinlllhe Property is necessary,
Borrower shali promplly lake all necessary remedial IClions in accordance wilh Environmental Law.
As used in rhi. paragraph 20. "Hazardous Substances" arelhose subslances defined as lo~ic or hazardous sullslances
by Envi,onmcntall..aw and the followlnl substances: 18J0Iine, kero.ene, other Oammable or toxic pelroleum products, toxic
pestic,des and herbicides, volalile sill vents. malerials containtn, asbe.IOS or formaldehyde, and radioactive maleriall, AI
uled in Ihis parallfaph 20. '~EnvironmenlJll Law" means 'ederallaws and laws of \he jurisdiction where tho Properly i. located
till! ,elale to health. ufety or environmenlll protection.
NON. UNIFORM COVENANTS. Borrower and !..ender fIlnher covenant and asree al follows:
21. AceeleraUon; Remedies, Lender .halllllve notlee to Borrower pdor to acc.leratlon followlnll Borrower',
breach or an)l covenant or aareemenl In this Security Instrument (but not prIor III accelerallon under paraaraph 17
unleas applicable law pro\'idu otherwiSe), Lender sball noliry Borrower or, amonll other thinll': (a) Ihe derault; Ibl
the action required 10 cure Ihe default: (c) when the default musl be cured; and (d) that r.llure 10 CUre the deflluh
as .poclned may result In a~celenlion or the luma .ecured by Ihl. Sec:urlty Inslrument, rorclosur. by Judicial proceedlnll
and sale 0' the Properly. Lender shall furl her Inform Borrower of the rillht to reinstate ,ner ac~elerallon and IIIe
rlchtto 1lSSer1 In Ihe roreclnsure proceeding thenon-e_latente of a derault or .ny other derel1.lC or Borrower to IIfccleralion
and foreclosure. rr the derault I. nnl cured II specified, Lender alltl option m,y require Immediate p,ymwnt In full
0' alllums leeured by tills &lcurily Instrument without rurther demand and may foreclose this Securlly Instrument
by Judicial proceeding. Lender shall be entilled to ~ollect all expenH' Incurred in pursulnlllhe remedlel provided In
Ihls paragraph 21, Including, but not limited 10, _etortley,' r.... and costs 0' IIlle evidence to the Ulenl permllted bl
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DEC-18-03 10:21 AM MEMBERS1ST Fell INS. DEPT 7]77955178
p. (j","
November 17, 2003
CERTIFIED MAIL NO, 70031010000081262113
RETURN RECEIPT REQUESTED
RE: Sunny L. Quackenbush & Wayne A. Quackenbush
Mortgage Account # 190858 Loan # 06
Mortgage Premises: Lot 7, Woodland Avenue, Boiling Springs, PA 17007
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
The mortgage held by Members 1st Federal Credit Union, (hereinafter we, us or ours) on your
property located at Lot 7, Weodland Avenue, Boiling Springs, PA 17007, is in serlaus default
beca1,1se vau have nat made the Bi-weeklv paYments of $257.94 fl'r SeDtember 12. $260.83 fer
September 26, $260.83 for October 10. $260.83 for October 24. ,and $260.83 far November 1..
2003, The total amount now required ta cure this default, or in ather words get caught up in your
payments, as of the date efthis letter is $1,301.26.
Veu may cure this default within THIRTY (30) DAYS efthe date efthis letter, bypaving te us the
above amaunt af$1.30 1.26 plus anyadditianal Bi-weekly pa'mlents and late charg;es which may fall
due during the period. Such payment mus~ be made either by cash, cashier's check, certified check ar
maney order, and made at Members 1st Federal Credit Union, 5000 Louise Drive,
Mechllnicsburg, PA 17055, Attention: Arlanda Dintaman.
If you da not cure the default within THIRTY (30) DAYS. we intend to exercise our ritzht.12
accelerate the mortgage payments. This means that whatever is owing an the original amount
borrowed will be cansidered due immediately and you may lose the chance to payoff the original
mortgage in Bi-week1y installments. If full payment af the amount af default is not made within
THIRTY (30) DAYS, we alsa intend ta instruct our attorneys te start a lawsuit ta fareclose yaur
mart(!aged praperty. If the martllalle is foreclaseq. v<;)ur martvalled pral)erty will be seld by the
sheriff to pay 9ff the martllage debt. If we refer your case to our attorneys, but you cure the default
befere they begin legal proceedings against yau, you will still have to pay the reasenable attorney's
fees, even if they are aver $SO.OO. Any attorney's fees will be added to whlltever you owe us, whIch
may also include aur reasonable costs, Ifvou cure the default within the thirty day period. you will
net be required to pav attorney's fees.
We may also sue you persanally for the unpaid principal balance and all ether sums due under the
martgage. If you have nat cured the default within the thirty day period and foreclosure proceedi~
have bellun, you have the ri2ht ta cure the default and prevent the sale at any time up to one hOJl!
before the Sheriff's foreclosure sale, Yau mil}' do so by payinf( the total amount af the unpaid ill.:
wee~ly paYments plus any late er other charj1:es then due. as well as the reasanable attorney's fees
and costs connected with the fareclosure sale (and perf arm anv other requirements under the
mortgaite), It is estimated that the earliest date that such a Sheriff's sale could be held would be
EXHIBIT "D"
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sJJI.l~4S alll.io alllp 04\;0 :/;)!lou \I 'Jalla] sl4lJo ajep ~41 lU01J S,l" va (06) }"l3.NJN '<1~lllW\)(Oldd-e
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DEC-18-03 10:22 RM MEMBERS1ST Feu INS. DEPT 7177955178
. ..
l=' . ~:J '3l
November 17.2003
CER TlFlED MAIL NO. 7003 10 I 0 0000 8126 2120
RETURN RECEIPT REQUESTED
RE: Wa)-11e A. Quackenbush & Sunny L. Quackenbush
Mortgage Account # 190858 Loan # 06
Mortgage Premises: Lot 7, Woodland Avenue, Boiling Springs, P A 17007
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
The mortgage held by Members I st Federal Credit Vnion, (hereinafter we, us or ours) on your
property located at Lot 7, Woodland Avenue, Boiling Springs, PA 17007, is in serious default
because YOU have not made the ai-weekly paWl1ents of$2$7.94 for Septell\ber 12. $260.83 for
September 26. $260.83 for October 10. $260.83 for October 24, and $26Q.83 for Novemb~r 7.
2003. The total amount now required to cure this default, or in other words get caught up in your
paymen1s, as of the date ofthis letter is $1,301.26.
You may cure this default within THIRTY (30) DAYS of the date ofthis'eller. by pavin~ to us the
above amount ofs 1.30; .26 plu,- anv additional Bi.-weeklv paYments and I,te char~es which may fall
due durillg the period. Such payment must be made either by cash, cashier's check, certified check or
money order, and made at Members 1st Federal Credit Uniort, 5000 Louise Drive,
Mechanicsburg, PA 11055, Attention: Arlanda Dintaman.
If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our ri~hUQ
accelerate the mortl!age Davments. This means that whatever is owing on the original amount
borrowed will be considered due immediately and you may lose the chance to payoff the original
mOl1gage in Bi-weekly installments. If full payment of the amount of default is not made within
THIRTY (30) DAYS, we also intend to \l1strucJ our attorneys to start a lawsuit to foreclose your
mortgaged property. If the mort.,iage is foreclosed. vour mort~aged Drqpel1y will be sold bv!bs
sheriff to p~offth~ mortia{Ze debt. If we refer your case to our attorneys, but you cure the default
before they begin legal proceedings against you, you will still have to pay the reasonable attorney's
fees, even ifthey are over $50.00. Any attorney's fees will be added to whatever you owe us. which
may also include our reasonable costs. If you cure the default within the thirty day period. you will
l)ot be required to pay attorney's fees.
We may also sue you personally for the unpaid principal balance and all other sums due under the
mortgage. If you have not cured the default within the thirty dav period and foreclosure proceedln~s
have bellun. you have the ritzhtto cure the d!lfault and prevent the sale at any time UP to one hour
before the Sheriffs foreclosure sale. You may do so by Daving the total amount of the unpaid Bi.
weekly payments plus any late or other char{Zes then due, as well as the reasonable attorney's fees
and costs. connected with the foreclosure sale (apd perform anv other r\Jouirements under the
llJortgal!el. It is estimated thatlhe earliest date that such a Sheriffs sale could be held would be
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MEMBERS1ST Feu INS.
DEF'T
7177955178
F'. 1 I
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Of;"." 403 North Baltimore Ave
'cili"hh Mt Holly Springs, P A 17065
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Sunny L Quackenbush
204 Cranes Gap Rd
Carlisle, PA 17013-9636
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SHERIFF'S RETURN - NOT FOUND
CASE NO: 2004-00078 P
COMMONTWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
MEMBERS 1ST FEDERAL CREDIT
VS
QUACKENBUSH WAYNE A ET AL
R. Thomas Kline
,Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named DEFENDANT
OCCUPANT
but was
unable to locate Him in his bailiwick. He therefore returns the
COMPLAINT - MORT FORE
, NOT FOUND , as to
the within named DEFENDANT
, OCCUPANT
LOT 7 WOODLAND AVENUE
BOILING SPRINGS, PA 17007
PROPERTY IS VACANT.
Sheriff's Costs:
Docketing
Service
Not Found
Surcharge
6.00
4.14
5.00
10.00
.00
25.14
-,
so,~~:::: ./:>
/ R. ThomaS" Kl i ne
Sheriff of Cumberland County
KARL LEDEBOHM
01/14/2004
Sworn and subscribed to before me
;Lvo'-( A.D.
~a9;~;~
day of 94"'-"'7
this OI.~~
SHERIFF'S RETURN - REGULAR
CASE NO: 2004-00078 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MEMBERS 1ST FEDERAL CREDIT
VS
QUACKENBUSH WAYNE A ET AL
BRYAN WARD
Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
QUACKENBUSH WAYNE A
the
DEFENDANT
, at 2006:00 HOURS, on the 12th day of January
2004
at 403 NORTH BALTIMORE AVENUE
MT HOLLY SPRINGS, PA 17065
by handing to
WAYNE QUACKENBUSH
a true and attested copy of COMPLAINT - MORT FORE
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
18.00
4.83
.00
10.00
.00
32.83
.r~~
R. Thomas Kline
01/14/2004
KARL LEDEBOHM
Sworn and Subscribed to before
By:
~t!~?iff
me this .2.:2 ""'""'--.. day of
Q,~ d.OO'f _ A.D. .
n I (2 ~ AA~~
~honotary ,~
SHERIFF'S RETURN - REGULAR
CASE NO: 2004-00078 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MEMBERS 1ST FEDERAL CREDIT
VS
QUACKENBUSH WAYNE A ET AL
BRYAN WARD
Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
QUACKENBUSH SUNNY L M
the
DEFENDANT
, at 2036:00 HOURS, on the 12th day of January
2004
at 204 CRAINES GAP ROAD
CARLISLE, PA 17013
by handing to
SCOTT SIMPSON, BOYFRIEND
a true and attested copy of COMPLAINT - MORT FORE
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
6.00
3.45
.00
10.00
.00
19.45
So Answers:
.;:p'J.:1~~6;( /'f~
R. Thomas Kline
01/14/2004
KARL LEDEBOHM
Sworn and Subscribed to before
By:
~ty
7J'--, )
Sheriff
me this .2.,(~ day of
Ch'l .2oo'f _ A.D.
%hO~ot~ i~~
MEMBERS I ST FEDERAL
CREDIT UNION
PLAINTIFF
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
Vs.
NO.: 04-78 Civil Term
WAYNE A QUACKENBUSH AND
SUNNY LM. QUACKENBUSH
DEFENDANTS.
: CIVIL ACTION-LAW
PRAECIPE
TO THE PROTHONOTARY
Please enter judgment in the above captioned proceeding in favor of Members 1st
Federal Credit Union, Plaintiff, and against the Defendants, Wayne A
Quackenbush and Sunny LM. Quackenbush, in the amount of Forty-four
Thousand Eight Hundred Ninety-six and 26/100 Dollars ($44,896.26), plus
interest at the rate of $10.08233 per day, through the date of payment, including
on and after the date of entry of judgment on the Complaint, and attorney's fees
and costs and for foreclosure and sale of the mortgaged property Judgment is
entered pursuant to Pa. RC.P. 3031 for failure to file an Answer on behalf of
Defendants, Wayne A Quackenbush and Sunny LM. Quackenbush, to Plaintiff's
Complaint within twenty (20) days of service thereof and after a IO-day Notice
was sent.
Date February / r ~ , 2004
i;jdl~
~~~reme Court IV #59012
P.O. Box 173
New Cumberland, P A 17070-0173
(717)938-6929
Attorney for Plaintiff
I hereby certify that notices of intent to take a default judgment were forwarded to
Wayne A. Quackenbush and Sunny L.M Quackenbush on February 4,2004 by United
States Mail, First Class, postage prepaid. The aforesaid notices were each contained
within an envelope bearing the return address of the undersigned. The notices have not
been returned to the undersigned as undeliverable or ot~hrwiS . A copy of the notices
and Postal Form 3817 are attached hereto and marked E it" "EI-E~i~'r7
V/71I1 (h-t-;f;~
arl M {ed~ ohm, Esquire
EXHIBIT
"A"
MEMBERS I Sf FEDERAL
CREDIT UNION
IN THE COURT OF CO/;1MON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
PLAINTIFF
Vs
NO. 04-78 Civil Term
WAYNE A QUACKENBUSH
and SUNNy LM. QUACKENBUSH
DEFENDANTS
CIVIL ACTION-LAW
IMPORTANT NOTICE
TO Wayne A Quackenbush
403 Nonh Baltimore Avenue
Mt Holly Springs, P A 17065
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, I
AM REQUIRED TO INFORM YOU TRA T THIS LETTER AND ANY
SUBSEQUENT CORRESPONDENCE OR COMMUNICATION IS AN
A TTEMPT TO COLLECT A DEBT AND ANY INFORMA nON ORT AlNED
WILL BE USED FOR TElA T PURPOSE.
YOU ARE fN DEF AUL T BECAUSE YOU HA VE FAILED TO TAKE
ACTION REQUIRED OF YOU fN THIS CASE UNLESS YOU ACT WITHIN TEN
(10) DA YS FROM THE DATE OF THIS NOTICE, A JUDGMENT MA Y BE
ENTERED AGAINST YOU WITHOUT A HEARING, AND YOU MA Y LOSE
PROPERTY OR OTHER IMPORTANT RIGHTS YOU SHOULD TAKE THIS
PAPER TO YOUR LA WYER AT ONCE iF YOU DO NOT HA VE A LA WYER OR
CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH
BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP
Date February 4, 2004
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, P A 17013
(717) 249-3166 or (800)990-9108
Res ectiC y s
/
,~
- CERTIFICATE OF MAILING
;; (>O$TA.l $EAVICE S" ANO INlEl'lNAT',ONAl M"'ll, DO~S NOT
Y!lE US"ED 1'0\'\ OOME Tl" II
O"""~"N,"'."'-'O"M.m' /" '. g.'.','t. i,
l8C8iyed '0 '0 e; ~
Karl M Ledebohm. Esq j{)' - 0 .~,..
PO.Box173 . ;;-~a 7~:1. .
bldn/j,Q",. .,
New Cum er an . 1'"1)--. ',,\" , _
/ "/ I'!) ''''c::)''''
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u..'. ~
00' ':'N" " ;,"0\"; ~'t"A'" ';~(Vr<~ker,~) s ~ I ~~ ~~~~~~
I "-'- -- ~:t:~___ -A~ ~. 2-1>~~"'C!5
~~ 130., Ii :,m"tt'l1"JD \r( ~l;g ~i~n
{.'\4 +:bl Iii S pr, '13' PA i:
I+DIo!)
,
;Karl M. edebohm. Esq
( Supreme COUIt ID #590)2
PO. Box J73
New Cumberland. PA 17070-0173
(717) 938-6929
Attorney for Plaintiff
S Form 3617, Mar, 1989
EXHIBIT
MEMBERS I ST FEDERAL
CREDIT UNION
PLAINTIFF
Vs
WAYNE A QUACKENBUSH
and SUNNY L M QUACKENBUSH
DEFENDANTS
liB"
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY.
PENNSYLVANIA
NO 04-78 Civil Term
CIVIL ACTION-LAW
IMPQRTANT NOTICE
TO Sunny L M Quackenbush Sunny L M. Quackenbush
204 Craines Gap Road 403 North Baltimore Avenue
Carlisle. PA 17013 Me Holly Springs, PA 17065
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, I
AM REQUIRED TO INFORM YOU THA T THIS LETTER AND ANY
SUBSEQUENT CORRESPONDENCE OR COMMUNICA nON IS AN
ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE
ACTION REQUIRED OF YOU IN THIS CASE UNLESS YOU ACT WITHIN TEN
(l 0) DAYS FROM THE DATE OF THIS NOTICE. A JUDGMENT MAYBE
ENTERED AGAINST YOU WITHOUT A HEARING, AND YOU MA Y LOSE
PROPERTY OR OTHER IMPORTANT RIGHTS YOU SHOULD TAKE THIS
PAPER TO YOUR LAWYER AT ONCE IF YOU DO NOT HAVE A LAWYER OR
CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH
BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, P A J 7013
(717) 249-3 I 66 or (800)990-9108
Date February 4. 2004
'n"'~'~ ~U"'M
TAL SERV1Cl: CERTIFICATE OF MAILING -
SED FOR DOMESTlC AND INTERNATIONAL MAil, DOES NOT
'OR INSURANCE_POSTMASTER .......-
/r"':)'~;fjJ~
""m Ka. rI M. Ledebohm. Esq (, '.."~" 'i;.r.,(.\
PO Box \73 Ij".!
New Cumberland, PA \ 70 ~~" 17*,,]
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Supreme Court ID #59012
POBox 173
New Cumberland. P A 17070-0173
(717) 938-6929
Attornev for PJaintiJf
POSTAL SERVICE CERTIFICATE OF MAILING
3f USED FOA DOMESTIC AND INTERNATIONAl MAil, DOES ~
IDE FOR INSURANCE-POSTMASTER
Karl M Ledebohm. Esq
PO Box!73 j'
New Cumberland. PAl 7070-ln h
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piace 01 o'di..a,y m.ir.dd,essed 10
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MEMBERS I ST FEDERAL
CREDIT UNION
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
PLAINTIFF
Vs.
NO.: 04-78 Civil Term
WAYNE A. QUACKENBUSH
and SUNNY L.M. QUACKENBUSH
DEFENDANTS.
: CIVIL ACTION-LAW
PRAECIPE TO RELEASE REAL ESTATE FROM LIEN OF JUDGMENT
Please release from the lien of the judgment entered in this matter all that certain tract of
real estate and improvements erected thereon, if any, situate in South Middleton
Township, Cumberland County, Pennsylvania, known and numbered as Lot No.7,
Woodland Avenue, Mount Holly Springs, Pennsylvania 17065 and as more
particularly identified as Lot No.: 7 on the subdivision plan recorded in Cumberland
County Plan Book 65, Page 137.
Date: June 8, 2006
1M. Ledebohm, Esq.
Supreme Court ID #59012
P.O. Box 173
New Cumberland, P A 17070.0 l73
(717) 938-6929
Attorney for PlljiDtijl
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