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Home My WebLink About04-0696 HARVEY, PENNINGTON, CABOT, GRIFFITH & RENNEISEN, LTD. Stephen McNally Pa. ID No, 59576 1835 Market Street, 29th Floor Philadelphia, PA 19103 Telephone: (215) 563-4470 Telecopier: (215) 568.1044 Attorneys for Plaintiff W ACHOVIA BANK, N.A. AS INDENTURE TRUSTEE 4425 Ponce DeLeon Blvd 5th Floor Coral Gables, FL 33146 COURT OF COMMON PLEAS CUMBERLAND COUNTY CIVIL ACTION. EQUITY MORTGAGE FORECLOSURE Plaintiff BETTY WRIGHT 433N West Street Carlisle, PA 17013 TERM DOCKET No. 04 - &1' c.;u~L'T~ Defendants NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION Court Administrator Cumberland County Courthouse, 4th Floor Carlisle, PA 17013 Telephone: 570-240-6200 A VISO Le han demandado a usted en la corte. Si usted qui ere defedarse de estas demandas expuestas en las paginas sigulentes, usted tiene viente (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Race falta asentar una comparesencia ascrita 0 en persona 0 con un abogado y entregar a la corte en forma asorica sus defenses 0 sue objeciones alas demandas en contra de su persona. Sea avisado qua si usted no se defiende, la corte tomara medidas y pueda continuar la demanda en contra suya sin previa aviso 0 notificacion. Ademas, la corte pueda decidir a favor del demandante y requiere que usted cumpia con todas las provisiones de esta demanda. Usted puede perder diuaro 0 sus propiedades u ostros derechos importantes para usted. CUMBERLAND COUNTY BAR ASSOCIATION Lawyer Referral Service Court Administrator Cumberland County Courthouse, 4th Floor Carlisle, PA 17013 Telephone:570-240-6200 Dated: January 19, 2004 HARVEY, PENNINGTON, CABOT, G;jFITH & RENNEISEN, LTD. By: III II! S !j il~ , Esquire Attorneys fo laintiff HARVEY, PENNINGTON, CABOT, GRIFFITH & RENNEISEN, LTD. Stephen McNally Pa. ID No. 59576 1835 Market Street, 29th Floor Philadelphia. PA 19103 Telephone: (215) 563-4470 Telecopier: (215) 568.1044 Attorneys for Plaintiff W ACHOVIA BANK, N.A. AS INDENTURE TRUSTEE 4425 Ponce DeLeon Blvd 5th Floor Coral Gables, FL 33146 COURT OF COMMON PLEAS CUMBERLAND COUNTY CIVIL ACTION- EQUITY MORTGAGE FORECLOSURE Plaintiff TERM BETTY WRIGHT 433N West Street Carlisle, PA 17013 DOCKET No. 01..{ - (l,oL 'i~ Defendants COMPLAINT IN MORTGAGE FORECLOSURE NOW COMES the plaintiff in the above-captioned matter, Wachovia Bank, N.A. as Indenture Trustee ("Plaintiff'), by and through its attorneys, Harvey, Pennington, Cabot, Griffith & Renneisen, Ltd., and files the following Complaint in Mortgage Foreclosure: 1. Plaintiff is Wachovia Bank, N.A. as Indenture Trustee, with an address for purposes of service at 4425 Ponce DeLeon Blvd, 5th Floor, Coral Gables, FL 33146. Plaintiff has duly registered to conduct business within the Commonwealth of Pennsylvania. 2. Defendants, Betty Wright,(hereinafter known as the "Defendant") is an adult individual with her principal residence located at 433N West Street, Carlisle, PA 17013. 3. On January 24, 1998, Defendant borrowed the original principal amount of $66,800.00 (the "Loan") from Ameriquest Mortgage Company, which had a business address located at 1100 Town & Country Road, Suite 200, Orange, CA 92868 ("Lender") and executed and delivered a Promissory Note (the "Note") of even date. A true and correct copy of the Note is attached hereto, made a part hereof and marked Exhibit "A". 4. In order to secure the obligations arising under the Loan, Defendants executed and delivered to the Lender a Mortgage (the "Mortgage") against the residential real property located at 433N West Street, Carlisle, PA 17013 (the "Property") as more particularly described in the Mortgage. The Mortgage was duly recorded in the Office of the Recorder of Deeds of Cumberland County on January 30, 1998, instrument No. 15127. A true and correct copy of the Mortgage is attached hereto as Exhibit "B". 5. Plaintiff, Wachovia Bank, N.A. as Indenture Trustee, is the successor-in-interest by merger, acquisition or assignment to Ameriquest Mortgage Company. A true and correct copy of the assignment of mortgage is attached hereto as Exhibit "C". 6. Defendant defaulted under the terms and conditions of the Mortgage in that they ceased making the regular monthly payments due under the Mortgage, and that the first such missed payment now due is that which came due on May I, 2002. As a consequence, the Mortgage is in default for nonpayment. 7. The notice provisions of Act 6 of 1974, 41 P.S. Section 403 et seq. (Purdon's 2000) ("Act "6") are not applicable in this case, since the Mortgage was not given to secure an obligation in the original principal amount of $50,000.00 or less. None the less, on or about August 28, 2003, Plaintiff sent Defendant a "Notice of Intention to Foreclose Mortgage" which notified the Defendants of the existing default, and satisfied any otherwise applicable requirements of Act 6, and is part of the combined "Act 6 ! Act 91 Notice" described in the next paragraph. 8. On or about August 28, 2003, Plaintiff sent Defendant a demand for payment and notice of the Debtor's rights under the Housing Finance Agency Law - Homeowners' Emergency Mortgage Assistance Act of 1983, 35 P.S. Section 1680.401(c) et seq. (Purdon's 2000) ("Act 91" and the "Act 91 Notice", respectively). As indicated above, it was part of a combined "Act 61 Act 91 Notice". A true and correct copy of the combined Act 6 1 Act 91 Notice is attached hereto as Exhibit "D" and is incorporated herein by reference. 9. Since receiving the Act 6/Act 91 Notice, however, Defendant has not exercised their right to meet with a representative of a Conswner Credit Counseling Agency as contemplated by Act 91, or to arrange for a face to face meeting with the lender, and the thirty (30) day time period afforded for this purpose by Act 91 has expired. 10. Since Defendants' receipt of the Combined Act 6/Act 91 Notice, the Defendants have not honored Plaintiffs demand for payment under the Mortgage. As a result, as of August 28, 2003 the following amounts were fully due and owing under the Note and Mortgage: Principal balance: $62,320.23 Accrued Interest to 08/28/2003 $10,536.39 Attorneys' Fees: $ 1,300.00 Court Costs: $ 150.50 Title Report Expense $ 350.00 Escrow Advances $ 2,230.31 Late Charges $ 176.52 TOTAL REAL DEBT $77,063.95 Plus additional interest accruing after August 28,2003 at the rate of 12.00% per annum, or $20.49 per diem, together with any other charges or costs collectible under the Mortgage, including reasonable attorney's fees and costs, WHEREFORE, Plaintiff respectfully requests the entry of a judgment in mortgage foreclosure, in its favor, for the amount due, $77,063.95, as of August 28, 2003 plus additional interest accruing after at the rate of 12.00% per annum, or $20.49 per diem, and any other charges or costs collectible under the Mortgage, including reasonable attorney's fees and costs, and for judicial sale of the mortgaged Property, and the proceeds distributed according to applicable law, and for such other and further relief as is just and proper. Respectfully submitted, Date: January 19, 2004 HARVEY, PENNINGTON, CABOT, ::fJ~H M/j:EISEN, LTD. steJ[ k{~tllsqUlre Attorneys for Pl~~f VERIFICATION V lCe Pres:L +- Ka.'+lt (e e'l If -=:LJ,rbt'L? ~I "L"l LL ( S'6 V 'L , am the I, of and, as such, am authorized to make this verification on its behalf. I verifY that the averments contained in the foregoing Complaint are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S.A. S 4904 relating to unsworn falsification to authorities. ~ Name: Title: Kathie n M. SOVIC Attorn .in.FactofWachoviaBank, N.A. as Trustee Successor byMergerto FirslUnion Bank As Vice-President, Interbay Funding LLC Kathleen M. Sovlc, Vice President of Interbay Funding, llC as Attorney-In-fact for first Union National Bank Dated: {J I!q /0</ II EXHIBIT A -----_.~. Dee-ii-Z003 OZ:18pm From-Harvey, Pennrn,ton, Cabot, Griffith . 1:':/11'fU;I H:.L'I ~AA ZI5-568-1044 T-387 P OOZ HZ7 -_.- , "e:lVV_ /" ;; - '::,.,,- .~: '. ...., '-~ LOAN NO. 420!l086-Sli'20 " - . NOTE Jlll1WII'Y Z4, 1998 (Dale) ORANGE lCir;y] 433 N WEST STR)!:ET c..un:n:r.F" PA 17013 ~ Addn:$Il CA I-J 1. BORROWER'S FJlOMISE TO FAY In _ fOr a loan lha1 I have reo::eived, I p:Allllise tI:l pay U.S. S "priIIcipa1"), plus l:ateTeIt. lD the order uf the l.cadeT. 'I1Ie Lauler i5 AMEJUQVEST MORTGAGE COMPANY 66,800.00 (this -lilt i5 caUed . I l1IlIlerstaDd that !be Lender mq IXlmSfer tbja Note. The I.aItlt-l' or 3Ilyune who tala:s tbis Nate by ~ aDd wllo i5 eotit1ed 10 receive __1IIIlIer 'Ibill N_ls o:aIIed the "Nute Holder." 2. :INTERESr . ImereBt Will be dIarged. on unpaid' prm~t l1~til the full amuum uf principal haB beel1 paid. I will pay ~ at a yearly ran: of U.GOO~. 11m iDtetest rate lequized by this SectIon Z i9 the rate I will pay both before and after any default cbcribed in Section 6(B) ufmls Note. . 3. PAno:Nl'S (A) Thae aIlli Place of Papnen!s . I wiD pay principal aDd izIai<mt by ......g pa;,_ every IIIOIIth. I 1riJ11IIIb my monrhly ~ Ol1lbe first day of eacl1 IDUPfh ~i....;,.g on MiIrcJa , 19!J8 . I will make t!Ie&e pa)'lDllllll; every moorh until I baVe paid llD !be prim:ipalllld inPPst 8IId any other chmges d8sl:rlbed below that I rt1B'J owe under this NO\e. My lIlOIlIhly paymenlS wiI1 bol applied to iDrerest before priDcipaL If. on Febnmly 1, 2018 , I st!.ll owe amoDDlS UDder tbis NOllll, I will pay tho8e 8m011DI8 in full on that dare, which is ClllIcd rile "MlItDrity Dale. " I will maD my tIlOlI1hly pa'yIlIeZ1ts at ORANGIt, CA mti8 (8) Amount ofMontbly PaJDII!DIs My lIlllI1Ih1ypayulCllI'IVilI be intbeamount of U.S. $ 4.1JORROWEa'S lUGJlT TO PREPAY I may repay this Note ar any time as pIOT-deli for in this paragraph. If the ortpIa! priDcipal amolUU of tbis loaD is $50,000 ....Iess, I may IIIllM a. full or paniaI prepa)'Dll!l1t wiIblM payillg llIIY p-tY. However. lfThe orlginal principal amallI1t oflhis Note ell:eeIls $50,000. aad If wilbin tbo :fitSl60 DllIDlhs lifter the ClI<:CUIion of this Mor1gage, I make full ~ or, In ~ ~ a paJtlal pzql~n, awl. the total of sm:h pIepltymeDls in any one (1) year exceeds ~wemy pea:euI (20~)of the orlgIDal prlIIcipal amount, I wll1 pay a. ptep~ Cbatge in an amoum equal to !be paymeIlt of six (6) IDODthS' a4vauce imerest un !be ""'nun1 ptepaid which is ill eJICeSS of tw1lIIt;( pen::iat (20\1(;) of the cnigiDal principal UIIOUDI.. S. LOAN CBA.RGES If a law. wbb:b applie; to this loan aDd which "IS lIllri""'"ll' loin dJatges, is finally inlftpreted 30 that the iDlerest or otber loin dIaIp:s coIlOl;ted or to be ooIIected In CODI"""rillll wjrh this 10m exceed tha pemllI:!lld limirI. thml: (i) IJtJY sudlloan cbarge shB11 be redueed by the IllIlOUIlt necessa(y ro reduce the cbarge to !be peI1IIilled 1JmIt; lIlId (11) IDY l<lIDIli already c;ol1eored fuIm me wllicb elC_".,.j perlllilllod limiIs will be r~ to llIC. 'Ibe Note Hulder may dlooIe to make Ibis IefoDd by ~ tile principal I owe under tIlis NOle or by JSIlIkiDa II Ctimlt p;lYID!IIt to lUll. If a tefimd red~ principal, 1be red1Jclioa will be ltealed 'as a partial P"'~...IIII'lIt. II. BOllR.O'WER.'S l'AIL'URB TO PAY AS REQtlIKED (A) Lata Charge tor ~~ If the NOle Holder has not received the full 1_ 01' 8IIIY u.mrbl)' MJlleIIt by llle eud of M-. the dlIIe it is Que. I will pay II Jato cbarge to the Note Holder. The amount of the charge will be 1i.00 my overdue paym&!Jlt of priDcipal and h1rerm. J ....'lll pay Ibis !me charge promptly but oaq 0lI\10 on e&Ch late ~ (B) Derault If I do not pay the fulllllJ1D1l11t of each lI1OIIt"lIly paymem on tile date it ill due, I will be In lJelimlt. I 50s HOUTBMAJN STREET, STE. liOOO or at a ctifimlut pU.ce if required by the Note Holder. 735.53 ""'....q- da:y$ after %of Pl3fNSYLVANIA FIXED AATI! NOTE. Single Fermly ... ~,gf2 De,~11-2003 02:18pm From-Harvey, Penninston, Cabot, Griffith '12/11io3 14:11 FAX 215-568-1044 T-387 POD3 F-627 ."",.-- 0C.l"'...... ~ ~ -;f.: ~.';; , '-'.....-' . ...... ~. LOANNO.~ c (C) Notice of :Default If IllDl.lD. default, Ibe Note HDldc:r may se!Id IDll a wriae:a.lllltk:e telling me that if I do DOt pay the ovemue aJIlOUnt by a cmtain dale, the NOUl Holder UlllY requil:v me to pay UDmediarel.y the fulllmlOlllR of prilloipal Wlilch has lIOt beep paid aw1 all Ibe iDrete<t that I oWe 011 that lIID011Ilt. That dare :IlIIit be at least 30 da.y. after the date OIl wbidI the notice is dl!1iVlft.d or mAled to me. (D) No WaivEr By Note JfoId,or Even if, at a tiJlle when I am in Gefauh.. the Note Hollkr does oot -...quUe me TO ~ imIMdlaIdy in tllI1 as descnDe4 above. the NoIe Bolder will still have the rigl1I: to ell) 50 if I am iD default at a Illlei' lime. (E) Paymeut of Note Bolder's Costs end ~ If the Note Holder has noquired IDll to plIJ ;m.......Ii....'y in !aI.l1lli deSC:liblld above, the NOle Holder will haY. ibe rigbllO be paid back by me for all of lis OlOSU me! ~ in eIIfoEl:iDg this Note to the exlellI not prohibited by applicable law. Those I!lIpCIISlllI iDc1w:1e, for ~e, reasOllllble lIIllImaY>' fees. 7. GIVING OF NOTICES Unless iIPP1icable law requiJes a differeor meihoO, III1Y 1lOW:e that must be given to me 1IDIIel' llds Note '1riI1 be given by delivering it or"by V",,;Hng it by first dass IDlJi1 to :.De at thE> Property Addms above or at a difkawlt addreu if I give tlIe Note Hohla- a DOtil:e of my cliftbreDt address. Any IlOtice th8I umst be given to ibe Note lUlldel' \UIder Ibis Note will be given by l!Ia.iliDg it by fizst class mail 10 the NOlC JIo1der at the lllIdIeN stated iA Section 3(A) ahaw or at a different addIes3 if I am given a DOIice of !bat diff=ut address- I. OBUGATIONS OF P.EItSONS UNDER. TBIS NOTE If more than one peIllO.l1 sigIIB thiIl Nore. elEb penal1 ill flI11y and pemmaIly ob!;!P"'" 10 ke&lp all of the ptomise& JD8tIe in tbiB Nole. iDcIwfing tbo prouU5e to pay the full amllIInt owed. Any person who IS a guaraotor, allt1ltY or eadon;er of thiB Nore is lIlso obligated to do 1Ilese thiDgs. Any penon who \ab$ over these ob1iplions, ;,,~llJ.nng tile obIigaIioau of a guarantor, suretY or elldoner of thiJ NOte, is zbo obligarad to keep all of the ptlllDises made in tbi!l Note. The Note Holder may c:IIfotce ilS rip under llIi:l No!: ilgaiost each pmon bldividually or agaiDst all of us together. 'Ibis means that any llIle of w; n1llY be l'8qUlnld ~ all of the """'Vut9 owed under Ibis Note. !I,W I and any other pmon who has obligatiom Ullder tIIis Note waive 1lw rights of pms"'JlmP.nt llIIIi notice of dishonor. .PI.t,jt..~Il. meaIIS the rlgbt to require the Note Holder to cIemaIld Plllua4llf W"O''''" iIue. 'Notice of dishouor' meaDS the right to require the Note H<i1der to give notU:e to atller pmoII8 t)uIt _ due have 1Illt: been paid. 10. UNJI'()JU( SECVRED NOTE This Nole is a UIIifonn iJI8tnIDIeDt with limiu:d variaIioas in SOllIe jarlodictio:os. In ad4.l11011 to the ~ giVCI1 to the Note HaIder UDder Ibis Note, a M'oapge. Deed r.f Trust or Security 0-1 (the "s..cnmy l'nob_t"). daIed the same date lIS thls Note, pwtecrs the Note Holder from pocsib1e losses which !lIlIht PllIult if I do not keep the pttImiaes which I maJg,. ill \his Nore. 'Dlat Secutif,y lnslrumenl describes hOW and uncler whar cooditioDS I may be reqoUed to :makll iIllmcxIlaEe payJ1lllllt iJl full of alllllllOlUltll I owe under tbiJ Note. S_ of those conditiOllS an: described as tbDows: Tnmsf.... of the Propel'tf or a :Beuel'idaJ Intcnst ill Ban Ih..... If all or any pm of lhe PI..pe..t)' or my lDlllrest in it is sold or !rllIlIf=cd (Of if a ~r.iw hi=- in IIotmwer is sold or I:rlIIISfemld and Bonower is not a naIuIlIl person), without I.auIer's prior writllm consaat. Leuder lIIaY. at its opdou, require i....-.tHo<e lJllY1Dl'm hi fbIl of all SUIllS secnn:d by this ~......Plty ~t. However. tbiJ option shal1 not be e:xerdsed by Lender if llMJt:ise is prohibiIM by ~m11aw as of the date of this Security 1JI5truIneol.. If teadar =cises this option, Lmlder WIl give Borrower DOlice of 8Cl:deration. 'Ihe DOllce shall provilie a period of not less than :30 days ftmn the date the notic:ll is deJiyen:d or lIlai1ed within which Bol7DWer must Jli\Y ail WIllS sec1Iled by lllis Security InstruIlleIIt. If BorrOll'er fails to pay tMse 81Im5 prior to The e;qJiJaEilm of Wa period. 'Leadel' may hlvob lIIly 1'.""'\11<>. pemritted by this Secuiity Inmumeot YlitIIoUt fitJtbei' IIOrlce or \I.....JiM on Botrower. WITNESS THE lfAND(S) AND SEAL(S) OF 'Il-m UNDERSIGNED. , :.~uJ"-<e / 7,/ J 3 -p'jl':J:' (Seal) -Bum.",... (Seal) -Bamnrer SSN: SSN: (Seal) _. SsN; - -..... ,'--... . (Seal) ..BwaWW51 [Sign Orl.gtntzl Only] .~;.: .~ -~.. ......- . "'." A. '. " .,.~~ ;:~~ ,.IIi>..i.e..... ~.,.~ ~":.1iI ~~~... .' .,-..,". Deo-l1-Z003 OZ:ZOpm From-Harvey, Pennin,ton, Cabot, Griffith I~/H/O.:l 1.4:'0 FAX Z15-568-1044 T-387 P 010/054 F-6Z7 '~' ~-' ~ -" When TIlCC)J'Chod. ".all to, AMHRIQVBST MQIt'l'U....Cm COMPANY P.O. BOX llSU'1 ","'NTA ANA. CA 93711 CertilJcd "Troe CQl)Y 97"--/ J J"Jaft Nn. 42UOD&6 ASSIGNMENT OF MORTGAGE COllOfOINW:I!;AT.TH OF PENNSn....AN.IAo.. 2 CUMBERI.4NP co~. S POll VALUTI ltRCBlVZ1), llno uud""~ AMillU....UJi!!.'T MORTGAGF. cnMJI^NY do= borl>y _r. ....realn. octl. ~'WL"")', ...;"., ami d_....... FIrst I.JrWan HaMn;l1 Rank, As Indenture Trustee "''''' CBrCIin 114"'41""" ~ by Jlli'nv W'tu~ <:M-Bnant') M ""0 "nd=igmal. .".w...u ~ u. =- iA_ afl!= O:~ ~~n:;.~"!Jd!j.p.f I .. -.... CUMBERL./'o.ND t=<>wl.l)'ofPum:lI<YI"....... w~- ... f ",,-7 . vnll'''''''''', . ;aut. i'aac . tngMhet" wiTh me deb'E ~~y -=un:d iWollbc _ tb<:r= """""_ ...4 all rlghI. dIle. aDIS lD<mo<t or <he ...w...~ '" _ 10 tl\C 1_ =d ......".,.1) <:oIlv"'l""I1')' IlIIid M~iII:'" ....1,1Jl<<1JW... b=mg ._ in CA."t ....Ul, C".mmly or CUMB!llU.A.ND . I'CnnaylVlmln. I>ltd 1aIOWJ1...: .U,UAJ,. UBSCJltPTl:ON ",-.-rAc:RP.D IIEaETO AND MAJ)S.... PART HlOlUiUl" IN WlT1>IBSS WlUiMI<Ol'. rho """.....igncd bas e:woed'll1ls lnllawmm< w be __ in its nama by I'" duly """",.trod ..m...... "" lloo 291h Jla:y "" J""""'Y , lWll "t'" Nwr. and Ul hold 1lDtO ~ 'R .$'I1N"....s..,co"'" .nd MR;2:fI'i fluevcr'. lly' ,'''\OU.W.QUEST Mor~TCA.OE! COMPANY ATl""'''l'. --~ "/2. ~.----- My' ~~~-~~? ~---- J\1!,eN RMhnm P_ . ~~^- - (Au~DfIIiceJo) CA'U~~ -"'~ r.nDl1lt;r of ORA1'<<i'f; 011 01/.%9'/98 .. bcf'ol'C me It. l;~o . ~y ~ppe...eiJ Bwbiu." S. BoJlIaA and ^_ :1:_= . pc..,<>mIIliY --. to me (or..._ to me ou the; haRi~ of 1II8tI~ eyl&18Dge) 10 bti Ill. pcmmCs) WbUBO D~C&} Wan: 8u.blllaibDtl W ~ within ~ ami. _~ ... _ Ilut l>cIobr:/fhry ~ TI>c: ~_ in ..is/h..../rho'lir ...""......-.n ""I"'nlry(i"'), ...... ,hnr by hiRlh<:rhb,.;t .I~.) on _ _< a... )JCnlOc(.). ur _ .uuy \JPUU. bah;dl' .,1' wlll&:h u... P"<1'uu(.) ,..,Icd. ...__,s,., ^""i~.. n; ,--.. ,...... '-. '1'"...Il....d. J1~ JOrafo ~'VWftl"" ~H."" of' ---.fIICI't' '1"'" ~=5.f"^) 013'11 GIIIl11N coa01J VM. MCI.~ _'!II. rII,.'&..ftII'. &nnnl~'P'l_7:-!lI.. All2tc"1N....Jt4~_IG"J'n , J~~- :.;- '~;=~~i~e:;~~LI....mll 9. flit ~~.c~n~ :z: My ~iUn r"vprc= I ~~. _.... ._._~"'!"~"w~_._""" .. ~~ ." EXHIBIT B Doc-II-ZOD3 DZ:19pm From-Harvoy, Ponn,niton, Cabot, Griffith .1~/1~iu~ ~4:iO ~~ ZI5-568-ID44 T-387 P 004 HZ7 ~ -'. -, ~. =- ~ '--./ .' '-. , ........ ;t-e'El,4,...{ 011 dolrF ~J "" /:::-/Oi 7 Pan:el NlIIIIber: Whal a:conh:d mail to: AMERIQtl1!ST MORTGAGE COMPANY P.O. BOX 11501 MNTA ANA. CA 92711 Loan No. 420908~ (8po<le /1_. TbiJ Uao FIll' ___ D..:) MORTGAGE THlS MORTGAGE C"Sel:urity :JJ.wu.....,...l;.) il; giwa OIl BE1TY WRIGHT Jm1llll7 24. 1998 . 1be mortpgor is C'Boauwer"). This ~ ~ is giwa 10 AMIllUQuur MORTGAGE COMPANY wllich bas !he lllIdnlss of 433 N WEST STREET 1'taasylvaaia 17013 l'BINBYLVANlAoSlng" ~ UNFOAM INSTRUMENT Fann ~~;r ~~~~ :;~;~. .-;;...' CAlWSLI! lZiP 0xI0] ("Pr_b ~~);, '': _ ,-"',:,:, l"llCt1Tq;:V"ti..i1.::: . . '", =: --..',0 CCr:fl~CT .' '~~i~''''''' ." ", 1.....~....)Ir-~ :".... . (3IRoor. Clay]. 111101111 Oeo-11-2003 02:19pm From-Harvey, Pennlnaton, Cabot. Griffith .~~/L~/U~ ~~;~o rAA 215-568-1044 T-387 P005 F-627 J~"~AL REAL <tiTAT! ~ (4'2J SZ177400 Toll A.&- (BOOJ 753-383S Nit: 14121 S:lt-7447 Toll Nee; 'BOO) 2lS~'46/j '- ",--/.J,SS6 ~S: 52 P~~l R1BhtFAX Nationa' Real ElItate Information Ser\'loee Ono Rurgera RoN PlftUurgh, PA 16206-2660 LEGAL DESCRIPTION Or~er Date> 12/09/97 Tranemicced, O~/2'/98 15:56 Order: D-97-078364 CUatQlller No, LG3740 Fox-, J\MBRIQUBST MORTGAGE CClMPAlIY ~50 s. WARlmR 1m S'l'B ],56 J::ZNG 01' PRUSSIA, PA ~940Ei Atb1: . BIt.L U: WRIGHT, BET'I'Y J_ ~33 N WEST ST. CARLISLE, PA 170~3 ClJMiI~ COtDll'l'Y LBQAI, DBSCDUPl'ION ALL THAT CERTADr IaO'1' OF GaOtDItl SITt7ATS IN 'l'BE BOROUGH OF CAT:lLTBE, COOLn'Y OF CClMBDT.~, S'l'A.TE OF .I:'&lUll.xLiVAI!UA, BOODlDBD AND DBer'DYB:Bf'I AS POLLOWS: ON THE JIORTH BY l'ROl-.__n NOW OR J'ORMBlUtY OF 'I'D DIllS ot=' Ml'J!.T:I'L1';I'l Sml.PLEY I DECEASED; ON T1IB BAST BY AJJ ALLEY; OM' 'l'BE SOtlTH BY E'ROPSR'l'Y' JlOW OR i'ORMElIUoY OF GBOaaB MCI!I'1'IU; A1IlD 0llI' THE WBS'l' BY NORTll WEST STREET. BA.'_uDfG :or DEPTH A DlSTAlfCB OF 100 FEET FROM JIORTH WBST STRBBT TO SAID ALLEY, AND BAVIlllG A FROBrAGB OM' SAID :NORTH WEST STREE'l" 200 PSRT, AmI HAVDlG T!lERBON EREC'l"ED A FRAME DilELLIllTG ROUSE lClMUIUll AS NCMBa 433 NORTH: WEST S'l'REBT. ADDRESS: 433 llI' WEST ST__ " 0Ie-11-2003 02:19pm From-HarvIY, Plnninaton, Cabot, Griffith 12/11/03 14:18 FAX 215-568-1044 T-387 P 006 H27 ---'~ ""<::,I ~ -- - '. '-->..../ . ~ ~ , . TOvETHER. W1TH all !be improvements fJIm or hemU'ler es=ed 011 the propeny, aiId all ..3U,lleIll5. appum:~"'''''''' ~ r_ 1IlJ.... or laereafu<r a pan of lhe property. All replal:emems aod Ildditions $ball also be co'lel\lll by this Securlly . WlnIGlePt. All of lIle fotegomll is ...re.lelIlo in dlls Security Jnsuumem as the "Propmy. . . BORROWER COVl!NANTS rhal Botrower illlawfill1y seiaed of die eslllle herI!:by alDYeyed 8lId bas the JigIIt to monpge. IflI'lt and convey Ill. property aad lIIal !be PtDperLy. i5 1IIII:IIeWIlbet. exc:ept for ~ of lllCOfll BomJWel'-- aJld will ~ generally the litle'lO Ibe Property agaiDSl all claims llIIIl de!IIaJId.8. subject 10 any ~ of ~ . THIS SECURITY INSTRuMENT I;Ombim:s uniform WVI:lWll.5 fur ft...10ll~1 use aIld DDIl-UlI1fonn coveuanlS WIth \luJiIed varladOIlS by jurisdiclion to COllStiIule a llllifonn se;urity inslIUIllllQt coverIni teal pktIp...t)'. UNIFORM COVENANTS. Bormwer and L=ler coveuant aad agree as foUows: 1. P~ of l"riDd.pal aad 1IItenst; l'repll1lDl:Dt aad Late Charges. Bonuwer wn pI'lJqllly pay wheu due lhe priIIcipal of and illtm&t on tile debt ~ by the Note ~ my prepaymePl ~ \ale ~ d1Ie UPkt the Note. 2. li'IUlds for Taxc9 aad lDsuraam. Subject to appbcabh: law or to a wnacn WUvet' by I..aIder, lIotrowI:r shall pay to Laldcr OIl the day IIlODlhly pa)'lllelll8 are due wadel' the Note. IIIlli1 the Note is paid in full. a sum ("fuuds") fur. (I) yeari7 - and 8S5lUS1..ut1S which IDl\Y aaaiD. priority CM:I'thi:, SeQlrilY TnsaumeIII as a lieu OD $c Propeny; (b) yearly leasehold payxneDtS or ptlDlId R:DlS on duo Propeny, if any; (e) yearly ::ward or propertY in5uraDoe pr-n-: (d) yearly Boocl iDSunuII:e pxetl'm-. if apy; (e) yearly 1JlDrlgBp iJIsunmce pn:m\urIl$. if any: aad (f) any 8IIRIS payable by BObuwa to Lender. in -am- 'Irilh !be provisionS of pmgraph 8, ill. lieu of the pa)'llll-'1II of mortgage insuraDce p......m...s. These irems lie called 'I!icrow Items." Lemler 1113Y. 1Il any tiIne, collect IIlli bold Fuud5 ill an aDIIJUlIl DOt to exc:eIld the ma..m.n.a amoum: a lender lOr a ildeAlly tebred mortgage Ioaa may mquUe for Bu....Ner's escrow lICCOUDt UIlll8r the federal Re8l &llIle Settlaaaa l'rocl:dl1res Act of 1974 as _..! from time 10 dIIID. 12 U.S.C. S<or.rino 2601 It seq. rRESPA "). UDles8 lIIlOther law' \:bat applies to tile FlIDds _ a 1_ lIIIIOlmL If so. Lellder may. at my time, colIoc:t III1llltold Panda in lIII lllnoWllllOl 10 exceed. till: lll&llllr amIIIlDl. l.eIIller IIll\Y es!iDlme !he aDlOW1t of P1mds dllll 011 die baois of cum:m data alld reasouable eslilDams of llXpCIIdiam:s of fbmre &ctOW I1cms o~ otl1erwise in aa:ordazice with applicable law. 11ul PImds sbaIlllc bdd in an imQwlion whose deposits ate insund by a 1ildenll!PllCY. m........_..'~lilY. or entity (iDclucllug Lellder. if Umder is sw;h III Pmlm1ionJ or in any Federal Home Lam Ba!l\I:. l.elIder sIWl apply tbe Flrod& to pay the BsclOw Irems. Lauder may not c\largc Boaowet t'tJr holdiPg lIlld applyiq the PwId&. ammally -ryziDg the esczow actW"~. or verifyiug lI1e Bscmw limns. UDless Lemler pays Bonower ilItetest on till: FImd8 llIIIl appliaIb1e law. pe:rmil$ LeMer to mate such a !:barge. However, Leader may l'eQWze Do=- to pay 1I oue-tiDle charge for an ilI~~ :~A_ reaI_ tax .~.uo!l service used by Lender in coooeetion widi Ibis loan. uoless applicable law provides ~ Unless 3D as<.........,l Is made or applicable law requim lIIlerest to be plIicl, Lemlet shall DOt be reqoimlro pay ~ my imen:st or .......hogs 011 me Ponds. IlotJ........ ;md I.auIft may agl'Ee in wrmll/l. hOWlvet'. that interest sbaII be paid OIllhe Fuml:s. LeIlder shall give to Bonower, 1IIitbout cbaIge, an 8DDU3l al:COIIIKing of the FuD.ls, llhowilIg credits 8JllI debits to the Ponds and die pw;pos& for whk:h ad! debit to the 1'wld.s was made. '!be Funds are pledgtd as IlddilioDll5llCllri1y fur all SIIIIIS _...d by this Secuzity bu4>.d!IIUlL If the Fuu.ds held by Lader exceed the lIIllOUDtS pooaIliru.d to be hdd by appIieable law. Umder sbaIlllCCOunt ro Boauwer for lbe em:ss Funds In accordlmce wlth the nqWreo:ICIWi of applicable law. If me ""'"IIllt of tlie Flmds lIdd by Li:udllI: at ItfJ lime is DOt sufficient to pay the Escrow Iu:ms w!Ien due. l.eIIller IIIllY 50 nolify Bom:lwer in wriliIIg. md. in suo;Ia CIISIt Bu......... S'ball pay to Lender die amooat oca:ssary to make up me deliciaJ<:y. BorrDWlll' &ball make up the flPRrl-qr ill 110 _ tbaIl twelve!llDlllhly paymasrs, 8I LewIer's soJa dUcrelion. Upon paymmt ill full of all SIIIIIB ~ by tiliI Security IiIsrrumrIlt. l.enclI:r Sball promptly refund to Bm'owt:r any FUDds held by Lender. If, lIIl\l.e( pangraph 21. Lemh:r IiIIIll acquire Of seU duo Property, Ltllder. prior to the scquisItiOD or sale: of die Plvpeny. shall apply my FuIIds beId by Lender 8I duo lime of acquisition or sale lIS a cmdit aplnst tbe _ seaued by Ibis Secarity lIIstitlt=aL 3. App\i1:lltioD of l'ayments. Uu\e$s applli:abJo law pmvilks orbc:rwise. all paylllCDIll -avid by Lender IIIIder ~ 1 md 2 sblIlI be atlPlied: fiI:l1, 10 any p'''l'GJ1IloeDf charges due 1lIIdef tbe Ncm:r, loamd, to _IS payable IIllder puapaph 2; thinI. to lmm:$l due; fourrh, to plincipal d1Jo: aad last, to my _ dIiqes due llIIder duo Note. 4. Cbtorges; LIaIs. llom>wer shall ~ all rnxes. --"""GUS. charges. tines md impositiotla attributable to the I\"p....,. wlW:h may a1tain l\riOrltY ovm this Sc:cmitY InotJ ~ llIId 1 L old p&yn'\llIIIS or gmUDd _. if;my. 1IonOwer sball ~ dIao: obligalillllS in <lie _provided inparagrap1l2. or ifDDtpald in lhat_, Boll.....u sIrall~ 1homoa time diRdly to rile person owed paymeIl[. Bmmwer shill promptly t\ImIIh to Leader aIlllOtkea of IIIIQUllIs to be paid IIllder lhis paragraph. If Bonower I\1lllca rbese paymems din:ct1y, Bouuw~ sIrall ~ furaillh to l..emler .eccipIl. ey;~ the paymeutIi. Bo=- sIrall 9<l>m!'dy diBcboqe auy lieD whldl bas priority over dJU; Secortty Iruu--.t UlIles;s flu.........: 00 agn=es in wril:ing to rile p~ of the oblipdOD secured by the lien in a _ ~e to l.auIc:r, (b) COIll'CStll in IOQd faith the lierI1 by, or defcods agaiDst enfom:mmr of die lien :n. legal proceedings whicb in the LcIIder's opinion openQlltJ prevent the ea}'o~ of <lie lieD; or (I:) secures from the holder of lhc lien an agreement sarWactoty to Lemler subordinating the \iJm to ~ Security lDstJIJmenI. If Lend!r de!cnIIiIIes Will my pan of 11Ie :r."t""t'J i> 5Ubj_ '" a lieD ....hich may IIltlIlD priority _ 1his Sel:ulity 1Ds~t, l..codEr may give Borrower a nolice l4el1lUying EhB liea. Bono"'.... shall slllis1Y the \i<ln or take one or ~ of !be a<:tions set forth above wilbin 10 days gUbe: giallrIg of'DOtiCil: :':;-;,3 ;,::.,.'-.1..: ::",,:~CCI~ii1i:~ LUJ ; ;-'\' ;"'14'''-'~'''.~lrl '-'-. ,..,J . l~_ VI :....r\o.... lnIcI*: ...-..... ,.....-..~ ~...-.-... ........-.-.....-.., :-'.~-' PI:w:i~f1f. rk...<..-- T.nan No. 4209QR6..SS1O Forn\ 303!1 9190 Oec-II-2003 02:19pm From-Harvey, Pennlnaton, Cabot, Griffith i2/11/03 14:18 FAX 215-568-1044 T-387 P007 F-627 , . -....,/. , ~ ~ 5_ -lIaard I or Froperty lDsunIoc:e. Borrow.r &hall Ia:ep llIe impIoVemeol5 lIOW Uting or bcmifIer -= OD die . P.opclOy ineural agaiaslloss by fire, ha1.ards .lncluded 1llIilhlll tlle lem1 "eGtlllnded C?~'. and llI\Y Olber bazafds, inc1~ Roods or flooding, for which Lender n:quires 11II1Il1lIICe. 1hls lll5urance shall be ...,..n",inM m Ibc, _\IIllS lIIIII for die periods mill LeluIer reqDire!l. The insaJaooe c:arrier providing the insUl:'8lK:e shall be dioRn by Bonowu subject II> leIIder's appIOYBl whidI shall IIlX be IIlUI:aSOQIIb1y witbheld. If Bonuwer fails 10 ovU"""" coverage deseribed above, LePder may. at Lemler', option, oblain J;O\'llr3ge to ~ Leader's rip i111bc PtoperlY in ~ wilh pangraph 1_ All iIlsuraDce pollcics and P!IICWJII shall be aa:eprabIe to I.endt:r and Wll iDGhIde a ilClIIIdaN mortgage c:I_. Leader sha1I have the . 10 hold die policies and ~a15. If U:Dda' requires, Borra1Yer &ball P"""\Ptly give II> LeDlec all RIIIllipIs of paid pteDIiIlme IlIId rewrwallllXires. In die event of loss, Ilonower shall give pmmpt 1IOlk:e to die iIISDrIII<:e carrier llIIlll.ellder. I..eoder may make plOOf of loss if aut IIIlIde promptly by Ilotrow\.... UaI"" Lcader llIIllBonower adJe(wise ap'ee In wtiliDg, iDsutance proceeds sha1I be appUecllO [CStOmioJa or nlp8ir of die P~ damaged. If !be restoraQDIl or repair is eclllOlllically feasible IIIId Lealck:r's security Is DOl 'w i. If the ~ or repair ill DOt eccmomicaUy """";hl" or Leuder's ser;wity would be l~ !be iJIln1raaa: pro..eeds sha1I be applied to die I\IIllS s~ by this Security Jnsaumem. wllelber or DOt tbeD d1lll, wilb. llI\Y excess paid to Borrower. If Sun...wer ,,1,anrI""" CIle Property. or dQes not _ within 30 days a IIOlke from Leader tlIln the iDsuraDce can:ier _ offered to seale a claim, then Leader may coU= die iI\8UrllDl;e pr~_ LeIIder may use die proceeds to tepIIir or RStore the Fmpetty or to pay - secIIftd by d1is Sel;Qrity JD5uun=t, ~ or no: diell due. The 3O-day period will begin wIleIl die DOtil:ll is Pea. Uok:a Leader mid Bonower olllmvUse agree in writiDg, any applicatloD of pIOCWIs to principal shal1 not exteDd or P""\P".... die due cIate of !be lIIllIIII1ly payIIJI:IIIS tefemd 10 m paragnphs 1 aod 2 or cbaDse the """'IlIIl: of the PAJ'..-dD. If IlIIder pBIaglllph 21 tbe Ptopeny is ~ by L=k%, Bonower's rigbt II> my iIlI1Jraoce pnlir.lP. IIId pmceaI$ ~1m,g from damage rD tbe Pr~ prior ID tbe acquisition sball plIliS to Leader to the ClttelIt of the sua MCIm!d by d1is Security IDstnu!lIat ilPvEdl.">Jy prior 10 Ibc 8CCpIiSldon. 6. ""-upllll"!', P...servatioa, MaiDtmaDao lIlId Protedion or the Property; ~s LoIJa AppH...ulllll; L! IhoIds. Botrower sIIaIl =PY. esDIblish. :md _!he Prop.tty as Boaowcr's ~ resideuce widIia sixty dayB'--die _,,;nll of Ihis Sel:llrity Insuum:m iIlIl1 sbaJl COIlWwe to oc:capy the l'J,u!='ty as Boa:ower's priDgIpal t"Si"'m"" for at least one ye;r :aftI:r the dars of 0Cl:Upll%II:)'. ~ l.ender otberWle l\!lRf:S in writiIIg. which COPSeDt stJaD IIOf be l1III"'lllOll"bly witIJIrl>:l. or tmle:ls elupnn,.qng circumstaDI:es EXist which are bsycrad Bonvorer's conb'ol. Borroww shal1 oct desboy, damage or impail: lhe Ptapeny, 8lIow the Property Il) delr..lou4e, 01 c:ormnil _ on die P.openy. Bmrower s:ba11 be in wm.wt if any Ib.telm." acliOll or P'"""""n,!l, wbelher civil or crlmilllll, ill begun tlw i<1 Leuder', good faith jud.,........ could result In fbIfilimre of the Propl>.tj or otlmrwisc mamrially impair tlm liell c:reaDld by this SecuriIy Insttun1aIt or Leurler's secumy iDreIat.. Bonowcc may cnre sw:b a cld'au1t aDd teiD&ta1e. lIS ptOYided in p;u:agtaph 18. by CIIIISiDg the dOB or ~ II> be ,u""';'''''(l widl a tlIliDg 1fIat, in Louder's good faith d.:.t......m..mOll. precllldes fDrfeituIe of the Bon-ower's in*- in tbe Propmy or Olber IIIIIIerild iwp-;"...... of tbe lim created by Jbi.s Security lIIslrume1:If or Lender's security ;,,_. BoovWlll' shall also be in deflIok if Botttiwer, durlag the 11l8ll. app1ieaIion p.~, lllM' lUIeIially fa1se or ill8Cl'llrlle lDFo-arl"n or _- to Lader (<II' flD1ed to provide Leader wt1h any matetia1 ;,diot>'o'arl"u) in ........~ with die loan ..,;"'v-l by tbe Note, UIcludlng. bill not 1lmired ro. l~'" .."'ti0Jll OOJ!........,;."g B....."wer's oeeupancy oftbe PrO~ as aptindpal ~o'l"V'-. If this Soc1Irity Ib..II..-rJs on a leasehold. Borrower ahaI1 =nply with all die pmVisiom; of !he lease. If Bonower acquireS fee tUIe to the Propeny. the leasehold ami die fi:e rille slIaI1l1Ot merge tmIes& l.l!lldcr as-s to the merger ill wtUWg. 7. n. ....6_ of Leader's Bi&bts ill l:Iae l'rCIperty. IfBmrow.... fails 10 perfonn tbe ~ and agteelDlnll3 ..~"" in dIIs SCCIlti1y InslrumeDt, or rhcre is a lege! pro~ tlw IlJAY sirfi~l!'ly affect Lellder's rights in die P..........y (m;h . a pro......m,g iD~. probate.. for ~-- or farftlitun! or to cnflm:e laws or reg>>l...."".), tbeD Leodcr may do lIIld pay for whawwr is 1ll!CeSSlIlY tD pmteet die valLe of the l'rOpe!ty and I.c:ndllr'$ IigbIs In the Fa....,.eay. Lender's ICdons ltUIy iDclwIe paying any 8IIDlS &eCUtl!d by a 1iea wlliclt bas priority over llIis Sec:urity 1Do1I.....-, appearing in CQUn, pay\DB ~ Il:tl:l'nleYs' fues and eIIteriII8 on the PIu.l"'"ly ID maIt1: tepail's. AlthO\lill Leader may take action UDder 1hili ~ 7, ~ does DOt baWl to do so_ Any _ dlsbaned by Lellder IIIIIIer this paragraph 7 6ball become addiliollal debt of 8otrowcr .ecuzed by tbis llecwity lnsrr:utmot. UII1es; Botmwl:r and l.I:mWr ~ tD olher tcmIs of paymem, these _ sbaIl beat ~ from the dale of iti............"". at the Nore me lIIId sbaIl be payable, with ~, upon DOl:ice from Lend.... II> Bv.."w~ n:qoeedDg paymem. 8. Mortpee 1osonuu:I:. If Leuder requited IIlOngage IDIaraace as a couditlon of IUlIkiDg the loan ncwed by this Security bIsuII.Il:lent, Bon'Owet !lhaIl ~ the premioms n:quired to ....'....jn die lIlDrtgap ilI&Iqaoce in *!rect. If. fur any -.on, die _ftlage iDsur.mce coverage required. by Leucler lapses or ce:ssc:s 10 be ill effect, IlomJwer slWl pay die pr-l....... requin:d 10 obtaiD coverage submmiaUy equivalent In the mqage in5ll1'l!ll"e tRViousl)' iD effect, a1 a cost suImamially equ;valllllt 10 die CO$t 10 llomJwar of die mDrtgall" illsw;aace pmvionsly in effed. fmm III a1lf:nWe munpg8 iasarer "l4>.......d by Lender. If submntially equiYaIcm mortgage imur.wce coverage is bOt availabte, IIonow.... .1Wl pay 10 LelI4er each JIIOIldI a _ equal to -;nvelfth of the y~y mortgage ~ pratIiam being paid by Boaower WbllII the in$uram:e cow:rage lapsed or ceased to bemefftoct.. Leaderwillla:ept,lISeaadrctalll:~1\SI-4'Iffilrs_iD w... of _gaae ~. Loss ......."e - _"R" ".... .-.... ,._ ;~':..<:::r;,'~i~'~0~;~~~rT ~ ~No.42lW086~" <L~"9 9J90 Oee-II-2003 02:20pm From-Harvey, Pennlnaton, Cabot, Griffith '12/11/03 14:1S FAX 215-568-1044 H8T P 008 H27 , .....- , . -'-" - . .", - '-' 36. ~ Rate Alter lD~ Bonu.,er agrees IIlaIIJIe inIalQt llIf.e p8YIble after a jbdsno- is CIIIered (Ill the Note Of in an lIlltloD of mongage fol1lCklSure IIIWI be !be rllIC payable from time to time uIIder tbe NOte. 27. ltidmr to tJIiII SeauiI:1I11strummt. If Olle or more riden IN ~""'lI by Bon........ and nlCOIdcd lOgedlel' with Ibis Seauir;y ~. the ~ aDd ag. .. of ead1 :md1 rider sba1l be incoIporaP:d ialo aad IballllllllOlld IIIId IUPPIemeuf die COYtlIIllIIIS w1 ~....to of tills Security IIIatt1I.IIIIII as if !he rid<<(8) were a part of tbill $.....rit)' m..t.....-. [CIu:ak lIJ.'1'll""'-'.. box<Cli)] o AdjusrabJc RaIl: Rida' o llJ;Idualed ~ RIder o ~'''''''' Rider DVARider D Q,MnV'ininm Rider ~ Planed Unit ~t Rider R.alA: h..v....y~uelll1ticler 0tbBr(&) [&pec:ify] ~ 1-4 Fmdly Ride Biwa:tly PayDle.lII Rider Second Home Rider BY SIGNING BBLOW. BonoweI' a:=prs and agn:es fD tile _ aIKI CCveJJlIIltS (,,,,,,.i...4 in Ibi& ~ ~ aad in aq rider(1I) -....,""" by &.....wcr aud recunIed wilh it. WitueP-' ~wilirW/U~ (Seal) - (Se8l) -&nvwc< (Seal) (Se3l) .Jlo,.4.", -~a..1ft. CettilicRte or B",4o<<e 1, 1he witbiIHIamcd Mortppe ill WilllesS qo IIIIIIi Ihis . do hCRby' =Iify rb.ar the cottCCt addn:ss of 1100 TOWN & COtlNT!lY RD., sm, 200 ORANGE, CA!n868 fPt71) dayofif~~ l1-~ "- ~r Ilarrpaee COMMON'VVBA1:rs: OF PENNSYLVANIA., ctlMBBRLAND CuaaI:1w. 19ft? . bcfoltl1De. die \IIIdmigDed officer, Oalbm. t1Je E(~ ~Df ~y P"'I""'"lty appeared UJf(E GIlT BG:7TY kDown ro me (or satiA&clOrily pmveu) In be the plQOI1 whose _ ::TJS subscribe:11D die wltbiq ilIllauznmt aud adaIowledged tbIII ~'f,"" t1Je _ fb&' tile p............ hen:lD "".."'"'-l. IN ~ WHE6OP, I he""allDueuny ilaDd aod offidaJ seal. ~ I . 1111. ' l D . rl ~ , ) My_L~~ . .'. :. . l RP.J\JU (j. W'\d.1J..Ll) SHEIlRI LGl8IS ..-' .,. U\iIP8t~"=:4"" ;/"::' ..::,'"r::;'~j.:,:3 :B..:xo",lf\\ II~ r.)J)t"atm . ',' . ~ ........-..-_...... 11.U'.J"\ l'"()lXt1'l JA..tf~:rc:ountr oWl' .. .,' \._.;....;.",~.;_..... ) oJ ..CGIW'/l........,. 'II JUI'._l t ,..~ .' ,':,: ~,..!;;;-<:....~ofOllli:w' -'-8HlP.&ll!WolOJ.d2 11tlPM....'_ ': '. . ..,\.~_"!!" .~~ Loall No. 4Z0lI086-5fi20 Fumt 30. lII80 . . .' ". ..' ~: ." - "_1.~'': .......... -: ' : ,':,,' EXHIBIT C Dec-11-2003 02:20pm From-Harvey, Penniniton, Cabot, Griffith 12/111,03 14:19 FAX I' . 215-568-1044 T-387 P 012/054 F-627 --- . ........ v' ,. .- ,. Bl'AC:i.Al1OVE Lfi8 'OR.lUiCOIUl1NQ DATA Ba)'1liew FW~.......l TradiDg Group. Im:. 2665 S. ~ Drive. Suiu: 301 MlaDIi, Florida 33133 'rqIaIedBy: PaoIa T. Coztes BV1! 1404.16370 lCbD1I to: ASSIGNMENT OF MORTGAGE (COBPOBATE) ~used.-"'*_""""'~"'1he""___,-~~.-..uort. m&'wllli9BctJae~~~_lIeor"~"'~~""_phlII1.-.dIhll"'GD~ tlC1I2.t sy-=-.........~~i*L:ifured.dleram ~....IIIIl111~'ha'tiII!;ISICibcd1f...Iba_, KNOW ALL MEN BY TImSEPRESKNTS: That FlRSTUNION NAnONALBANl<, AS lNDENTUR.E'IRUSTEE. IlCXJlPOlll1igD ~UIIllct1llc1aws of the State of NOR1'H CAROLINA. ~ of the fustpaIt, in cnnoiderotlnn of the sum ofTen DoJlan; mi othll:r good and valuable <;!IIIcri"-"nn paidby whoseposL alfice addtIlss is: ~ oftha tfeCODd pan, III or bcCose tIlll _liTlg and <k IiwIy of these pI..-b, the receipt wben:of is hmbr. ~..bas..gEIutteC lwgained, sold. 3"';~. baJ!slbmd aDd set over, UId by lbeso pmeIIIS does granr:bargaiD, .aJ, assip. tIlIlI6Ii:r aDd SI:l: over WJto the said Pii'tYoftIiIJ aCc:omi"pari a cerllIin ~re of~ ofTm:;t .I~.d \0 in the atllIebM Exllibit "A" atIacbed hmto and made a part beIeof. ; ToggliIel" 'tlith the DOtl:(s) or obligatioll(s) desc:ribed in SIlid ~ of TnJIt, and tIm moneys due and to become due tIierem1, with iDlmest. TO 1iA VE AND TO HOLD 1be same 1IJIto the SIlic1 party ortbe secood pa1t, lIDd Us assillDS ~. IN WlTNSSS WHEREOF, ~ said parI;y of the fint: pall: bas caused tbese pn:&eIIIS 10 be signed in its -. and its C01pOIllte seal to be hetelmI.o ~ by its pmpcr olfims tIIerelmlo dnJ;y IIUlhuri=. this sm day of NOVEMBER.. 1998. STATE OF MAR~ cOUNTY 01' PRRDl!.RICK FlRST UNION NATIONAL BANK, AS INDEN'nlRE TlUlSTEE l3)':lCl~4l'1L.~ ROBINM BELAN~CEPRESIDBNT ~~~l}tlll) ~~F~""''''' NOTARYPUBLIC-F'REDElUClCCOONIY,:t.1D ,~..,.. ....... \ 1 ..' ..OTA4 ", ~ My C""""i~ expires: 1110112001 ! ....: )-: i ~i!l!: - ::: . '10 .~;: ~~. . ~ - . . - 1;; ~ Cl8L'C ..'<('~ '\:~'" ....~ ~ ~ 1'\.:'.. ,~~ ., .~, cOiiifi 9 ...-""'" Ibt ~ inGtrumenl ""'" admowledged beftn me ihis 5'IH day of NOVEMBER. 1998 by i~ va PRBSIDEN't of FIRST UNION NATiONAL BANK, All JNl)BNl'UIm tlltlS'IEE Oll IlCbaIf or \he ~au. She is I'..-.ny lmDwn 10 nIIIl or IIBS Jll<ld\llled idl!ntifu:aJlCllL Ooc-11-2003 02:21pm From-Harvoy, Ponniniton, Cabot, Griffith . 12/11/03 14:19 FAX , ,- .~ ..... " -' I BAYVISW LOAN #: 140416370 BORWlWEll.NAME: BEI'TY WIuGHT CO-BORR.OWBRNAME: DATB OF DOCVMBNT: 01124198 OlUGJNAL PRINCIPAL BALANCE; 66.800 ORIGDiATOR: AMBRIQUEST . ---..."'- . - Z15-568-1044 -...r EXHIBIT 'A' TO ASSIGNMENT OF MORTAGIlIDEED OF mUST PROPERTY AODRiSf 433 NW 81' CARlJSI.S, PA 17C'13 RECORDAl1ONDA'I:E: INSTAUMENT NUMBER: BOOK NUMBER: pAlE NUMBER: .....,.'" 7-387 P013/054 F-S27 ~Y.'" _. - - - -'. - 08t-II-2003 02:21pm From-Harvoy, Ponninaton, Cabot, Griffith 12/11/03 14:19 FU 215-568-1044 T-387 P 014/054 F-627 'I!.l""''I&: ." .- " <- --. '--" .. ~ BV# 140416370 ALLONGE TO NOTE FORPURPOSES OFFORTHER.ENDORSEMBNr OF TBBNOTE REFERED TO BELOW: BORROWER: BET1'Y WlUGHT co BORROWER.: LENDER: AMElUQUBST DAlEO: 01/24198 OlUGlNAL PRINCIPAL BALANCE: 66,800 , PAY TO 'l'BP. ORDER. OF: T!U1S'1l!I! VICE PRESlDBNT EXHIBIT D HARVEY, PENNINGTON, CABOT, GRIFFITH & RENNEISEN, LTD. ATfORNEYS AT LAW ELEVEN PENN CENTER, 29TH FLOOR 1835 MARKET STREET PHILADELPHIA, PENNSYLVANIA 19103-2989 (215) 5634470 FAX: (215) 568-1044 Stephen McNally, &quire Direct Dial; (856) 91()..6008 e...mail: smcnally@harvpenn.com August 28, 2003 Via Certified Mail, Return Receipt Requested Receipt No.7002 2030 0006 7166 5319 and Regular Mail Betty Wright 433 NWest Street Carlisle, P A 17013 RE: Interbay Funding, LLC, a Delaware limited liability Company, as Servicer for Wachovia Bank,N.A" as Indenture Trustee Loan No. 0140416370 HPCGR Client Matter No. 73401-228 Validation Notice Pursuant to the Fair Debt Collection Practices Act COMBINED ACT 6/ACT 91 NOTICE TAKE ACTION TO SAVE YOUR H Postage $ 30708.1 ...lI Cl Cl o Return Reciept Fee (Endorsement Required) Cl Restricted Delivery Fee This is an official notice that the mortgage ~ (E""ors,meot R"""d) foreclose. Specific information about the n n.J Total Postage & Fees $ n.J . g SentTo I~ z,t0'~~u..____..m.m...m.__m.____ ~ '~:ro:J;:~~:;h___n---Jh__n:._7f..-:~~~~~H:. _______._.._ 'Ci(i'-Sia;a:ZiP+;;.--'f.~ iJ1 A , /70/} I l 1I1l'! ."1;l";(""I<l~-!"';l.I"':1Ijllojil.loJ<- rt....;;r;lltlWClllllllt...I....II. Certified Fee J Postmark 'e". Dear Ms. Wright: The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This-Notice explains how the pro!U'am works. To see if HEMAP can help vou must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name. address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions. you may cal1 the pennsylvania Housing Finance Agency toll free 1-800-342-2397. (Persons with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you fmd a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENlDO DE ESTA NOTIFlCACION OBTENGA UNA TRADUCCION INMEDlT AMENTE LLAMANDO ESTA AGENCIA (PENNSYL VANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A REDlMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Betty Wright PROPERTY ADDRESS:433 N West Street, Carlisle, PA 17013 LOAN ACCT. NO.: 0140416370 ORIGINAL LENDER: Countrywide Security Corp. CURRENT LENDER/SERVICER: Interbay Funding, LLC, a Delaware limited liaiblity company, as servicer for Wachovia Bank, N,A., as Indenture Trustee HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAYBE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE-AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS 30708.1 IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAYBE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEF AUL T HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYL VANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay offoreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. TIDS MEETING MUST OCCUR WITIDN THE NEXT 30 DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEF AUL T". EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names and addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately ofvour intentions. APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later in this Notice (See the following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN TIDS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. 30708.1 AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision of your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PORTION OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (Jfyou have filed bankruptcy you can still apply for Emergency Mortgage Assistance) HOW TO CURE YOUR MORTGAGE DEFAULT (Brine it up to date). NATURE OF THE DEFAULT --The MORTGAGE debt held by the above lender on your property located at: 433 N West Street, Carlisle, PA 17013 IS SERIOUSLY IN DEF AUL T because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 16 Payments in the amount of $1,055.85 Escrow Advances Miscellaneous Fees Late Charges $16,893.60 (5/1/02 to 8/1/03 ) $ 2,230.31 $ 185.00 $ 176.52 TOTAL: $19,485.43 *plus your regular monthly payment of $1,055.85 for September 1, 2003 should payment be made after that date. The payoff amount as of August 28, 2003 is as follows: Principal Balance $62,320.23 Interest* at 12.00% or $3.84 $10,536.39 Late Charges $ 176.52 Escrow Advances $ 2.230.31 TOTAL: $75,263.45 "Interest continues to accrue after August 28,2003 at 12.00% or $20.49 B. YOU HA VE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable): HOW TO CURE THE DEFAULT --You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE 30708.1 . LENDER, WHICH IS $19,485.43, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash cashiers check, certified check or money order made payable and sent to: Made payable to: Interbay Funding Send to: Cristina Justo Interbay Funding 4425 Ponce DeLeon Blvd., 5th Floor Coral Gables, FL 33134 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: NI A IF YOU DO NOT CURE THE DEFAULT--Ifyou do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. 1bis means that the entire outstanding balance of the debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will stilI be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, iflegal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. Ifyol,! cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY (30) period and foreclosure proceedings have begun, you stilI have the right to cure the default and prevent the sale at any time one hour before the Sheriffs Sale. You may do so by paying the total amount then past due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale, as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the date ofthis Notice. A notice of the actual date of the Sheriff's Sale will be 30708.1 . sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may [md out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender:Interbay Funding Address: 4425 Ponce DeLeon Blvd, Coral Gables, FL 33134 Phone Number: (305) 646-3912 Fax Number:(305) 774-7179 Contact Person: Cristina Justo EFFECT OF SHERIFF'S SALE -- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -- You _ mayor l may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs 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 MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION 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 DEF AUL T HAD OCCURRED, IF YOU CURE TIffi DEF AUL T. (HOWEVER, YOU DO NOT HAVE TIllS RIGHT TO CURE YOUR DEF AUL T MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS, TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. 30708.1 TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY: SEE A TT ACHED LIST Very truly yours, HARVEY, PENNINGTON, CABOT, GRIFFITH & RENNEISEN, LTD. By: I\A /J (()(h ~-:i-k lvrCNA~ESQUIRE SM/rg cc: Cristina Justo, Foreclosure Coordinator 30708.1 CRAWFORD COUNTY Booker T. Washington Center 1720 Holland Street Erie, PA 16503 (814) 453.5744 FAX (814) 453-5749 Shenango Yalley Urban League, Inc. 60llndlana Avenue Farrell, PA 16121 (412) 981-5310 CUMBERLAND COUNTY Urbao League of Metropolitan Harrisburg N. 6th Street Harrisburg, PA 17101 (717) 234-5925 FAX (717) 234-9459 Adams County Housing Authority 139-143 Carlisle SI. Gettysburg. P A 17325 (717)334-1518 FAX (717) 334-8326 DAUPHIN COUNTY CCCS of Western Pennsylvania. Inc. 2000 Linglestown Road Harrisburg, PA 17102 (717) 541-1757 Greater Erie Community Action Committee 18 West 9th Street Erie. PA 16501 (814) 459-4581 FAX (814) 456-0161 cccs or Western Pennsylvania. Inc. 2000 Llng1estown Road Harrisburg, PA 17102 (717) 541-1757 YW CA or Carlisle 301 G Street Carlisle. PA 17013 (717) 243-3818 FAX (717) 731-9589 Urban League of Metropolitan Harrisburg 2107 N. 6th Street Harrisburg, PA 17101 (717) 234-5925 FAX (717) 234-9459 John F. Kennedy Center,lnc. 2021 East 20th Street Erie, PA 16510 (814) 898.0400 FAX (814) 898-1243 Community Action Comm of the Capllal Region 1514 Derry Street Harrisburg, P A 171 04 (717) 232.9757 FAX (717) 234-2227 Financial Counseling Services or Franklin 31 West3rd Street Waynesboro, P A 17268 (717) 762-3285 Community Action Commission of the Capllal Region 1514 Derry Slreel Harrisburg PA 17104 (717) 232-9757 FAX (717) 234-2227 10 HARVEY, PENNINGTON, CABOT, GRIFFITH & RENNEISEN, LTD. ATTORNEYS AT LAW ELEVEN PENN CENTER, 29TH FLOOR 1835 MARKET STREET PHILADELPHIA, PENNSYLVANIA 19103.2989 (215) 563-4470 FAX: (215) 568-1044 \ Stephen McNally, Esquire August 28, 2003 Via Certified Mail, Return Receipt Requested Receipt No.7002 2030 0006 7166 5388 and Regular Mail Betty Wright 433 NWest Street Carlisle, P A 17013 RE: Interbay Funding, LLC, a Delaware limited liability Company, as Servicer for Wachovia Bank,N.A., as Indenture Trustee Loan No. 0140416370 HPCGR Client Matter No. 73401-228 Validation Notice Pursuant to the Fair Debt Collection Practices Act Dear Mrs. Wright: We represent the interest ofInterbay Funding, LLC, a Delaware limited liability company, as servicer for Wachovia Bank, N.A., as Indenture Trustee ("Current LenderIServicer") whose address is 433 NW Street, Carlisle, P A 17013, in connection with the above-referenced matter, involving your residential mortgage. This creditor has advised us that the facts and circumstances attendant to this mortgage are as follows. On or about January 24, 1998, you borrowed the original principal amount of $66,800.00 (the "Loan") from Countrywide Security Corporation ("Original Lender"). As evidence of your obligation to repay the Loan, you executed and delivered to the Original Lender a Note and Mortgage (the "Contract") against your Real Property located at 433N West Street, Carlisle, P A 17013 (hereinafter the "Property"). Current LenderlServicer has advised us that you have ceased making the regular monthly payments due under the Contract, and that the first such missed payment now due is that which came due on May 1,2002. As a consequence, the Contract is in default. The outstanding principal loan balance with respect to the Loan, as of August 28, 2003, was $62,320.23. Interest is accruing on the unpaid balance at the rate of 12.00% per annum, or $20.49 per day. The total amount of the arrearages, or the delinquency resulting from missed payments -~ o~ :x~ ~o V'3 2w '00 <:0 ..:..0 oo~ ~o NO m N o 2 'B > , . " ~ .iii " E- o (E 0"_ 0" ::;:: E "- "i! w 0 (1);= " " (} E ..c 0 f? .S li:....... o " w .~ ~ "u .~ 2 .0 " E " os o 0 0_ .0.0 )..JJ ~f; ~o ~ ~iO' g s~ :E ~'iti 'ill 0:":; ~" " c::..!!!..!!? ~i: € 00 0 0.00 .s. . ~ " g: 1 o oE~ (s.!!2 LL. ....=:J____ Om '"- Q).9- f:~g:.~& iii ""'-ccr 0 lUlD :2 W () 3' "- :9DE Ql'~ ~ ~~ll.l.E2:? ~ ~~~~ Z E{ij3.~'fO U 'Ow Q2]ii -E--" ,*Qi~~(J ~g-&1-'?3 .~~ CTO,,=_.Q 0"0 ~()f5:g~ Wi!' <D8Jlll(;jO Ow -C"'Uw..!.::: :S.!li ~a15-~ ftfif flJ)-}?J!!~ Q~ .9-2111o.O o Ql ~ Q)._ 0. ~D ifi:g.2~~ wi!' cta@Q:a. CJ~ &"ij'jllll::C/) <{E .i2dJ,s.a:J fj]iu&D::E&:; f)~ ccr ~;?~'E" 06 <D"WCQ Uo UJU .2cr:{')'~i!' 0& (U'!;E'aE 28J 6ZrfE~ ~o.. .:eoC/):g.... .:)vi :g1-'?e:-62 . ~~ ~~o.g2-g -rrJ CUW'(jjUJa.!:: o~ 6,z~Q)',g& 2;:.. lJ..-OQ:.2mfE . . "0 0;:; ~~ ?-. o~ _ ID_ Wc; ":=i f:j-?E :S,J} g_ -t2S r~_~ ";;'<<; "D..!!? (/)0'" coE (tiE- fE E or;; lO'iU QIDU c:: 0 -E~ :g5fij ~~ me: G.1 f'a.e, BE .POg Etl;J "U~ ~_ c::=:: 2E uccr2 cu~ .2.... iPSa."ico ~ 0 '~2.~_'O ~-c uQ~=1:: ;-3 .~ccrw g;.~ -OID _9-~1Q:gg ;::...; &~.i'S~;;::; E.~_. i!':g~ "g E >~:::::lUU co'" f'~.~ ~.s{ij_.;:! '" ~ fI) Q,c: c.; ~E~ -go"5 -0 -3~C:l ~~2! '~~o... l'Il'b to CD ~~u... Q;iu2! 8--'0 .~==-g Jl?gjJi lD.fj~- :5-:; co ttiO&s:a-g g;~~ .~:gfr: giii~ C'C",o.. '6:;;E ~2.o ~:~ -g&~ fE(j)~ ~:;;; t:;(/)(j) iiiE-- oq; ctI Q) 1l1~~ 2.fil.~tra:;~ (j"Ug 1l1(j)(J cE,e u..-g(j) ~Q1l: a..~"O . . ~-= ~ s f UJ &1 .~a. :::: lU "~ . E;;:' ~ ......0 ~ eo. - ~. ":;: ......:.:: '=! -e ~ ~.9-~ 1 .R; 3 55-& .:E~.1;! '0 -=g;a>"tJ .!?'ffi .fr 8 ==:E3~ ~<{c:(c:( "... , with respect to this Loan is approximately $19,485,43. Included within this amount are the monthly installment payments of principal, interest and/or escrow due under the Loan in the amount of$I,055.85, multiplied by 16 months, including the payments due for through and including August 28,2003 with the total of the missed payments being $16,893.60, escrow advances of$2,230.31, Miscellaneous Fees of$185.00, and late charges in the amount of $176.52. In addition, you may be responsible for reimbursing Current Lender/Servicer for certain of its reasonable attorney's fees and costs in connection with this matter. If you feel that the above amount is not a true amount of your debt, or if you feel that you do not owe the debt or that amount, you should get in touch with me. If you notify me in writing within 30 days after you receive this notice that you dispute the validity of the debt (or any part of it), we will obtain any necessary additional certification of the debt, or a copy of any judgment that has been entered against you, and we will mail you a copy of such verification or a copy of any judgment. Also, upon your written request within the 30 day period, we will gladly furnish you with the name and address of the original creditor, if it is different from the one shown above. Notice is hereby given that unless you do dispute the validity of the above debt (or any part of it) within 30 days after you receive this notice, we will assume that the debt is your just and honest debt. Very truly yours, T N Me 1\LL Y, ESQUIRE HARVEY, P NNINGTON, CABOT, GRIFFITH & RENNEISEN, LTD. YOU ARE HEREBY ADVISED PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT THAT TIDS FIRM MAY BE DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. SM/rg cc: Cristina Justo, Foreclosure Coordinator 30708.1 700 1l 7" It -- :}- ~ -...J ..0 ~ ~ ..fQ.. ~ Crt () -U P- -fJ- .-,' " ,:?, \ ,;;-) ~- ---: -1 ,-: ~ C') ..-~ ,-0 / - --- ; ,? _~_ c- ~ HARVEY, PENNINGTON, CABOT, GRIFFITH & RENNEISEN, LTD. Stephen McNally Pa. ID No. 59576 1835 Market Street, 29th Floor Philadelphia, PA 19103 Telephone: (215) 563-4470 Telecopier: (215) 568- J 044 Attorneys for Plaintiff W ACHOVIA BANK, N.A. AS INDENTURE TRUSTEE 4425 Ponce DeLeon Blvd 5th Floor Coral Gables, FL 33146 COURT OF COMMON PLEAS CUMBERLAND COUNTY CIVIL ACTION- EQUITY MORTGAGE FORECLOSURE Plaintiff BETTY WRIGHT 433N West Street Carlisle PA 17013 TERM DOCKET No. ()J..j - G9 (, (!;v~L 'j-~ Defendants PRAECIPE FOR ENTRY OF APPEARANCE ON BEHALF OF PLAINTIFF To the Prothonotary: Kindly enter the appearance of the undersigned counsel, Stephen McNally, Esquire of Harvey, Pennington, Cabot, Griffith & Renneisen, Ltd., as counsel for the Plaintiff, Wachovia Bank, N.A. as Indenture Trustee, in the above-captioned matter. Date: January 19, 2004 HARVEY, PENNINGTON, CABOT, ;;E?~EN' LTD. Attorneys for P~ r"--"' c::::> "7.~ -r; ,.. c:::' c:.: c' C0 .) SHERIFF'S RETURN - NOT SERVED CASE NO: 2004-00696 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND WACHOVIA BANK NA VS WRIGHT BETTY R. Thomas Kline , Sheriff who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT , to wit: WRIGHT BETTY but was unable to locate Her in his bailiwick. He therefore returns the COMPLAINT - MORT FORE NOT SERVED , as to the within named DEFENDANT , WRIGHT BETTY 433 NORTH WEST STREET CARLISLE, PA 17013 BETTY WRIGHT PASSED AWAY 10/21/02. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 3.45 .00 10.00 .00 31.45 -- So a~~:=::::;::;2~>>~ ;-~~ R. Thomas KI' e Sheriff of Cumberland County HARVEY PENNINGTON CABOT GRIFFI 02/27/2004 Sworn and subscribed to before me this ,,(AoM. day of ~ :J~t;;~a. ~,# Prothonotary HARVEY, PENNINGTON, CABOT, GRIFFITH & RENNEISEN, LTD, Robert J. Murtaugh, Esquire Pa. ill No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Telecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Trustee W ACHOVIA BANK, N.A., as Indenture Trustee: c/o Interbay Funding, LLC 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PA Plaintiff, : CIVIL ACTION - EQUITY : MORTGAGE FORECLOSURE v. UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED : Docket No. 04-696 Civil Term 433 North West Street Carlisle, P A 17013 Defendant( s). NOTICE TO DEFEND You have been sued in court. If you wish to defiend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. PHILADELPHIA COUNTY BAR ASSOCIATION LAWYER REFERRAL SERVICE ONE READING CENTER, 1101 MARKET STREET PHILADELPHIA, PA 19107 Telephone: (215) 238-1701 680776_1 A VISO Le han demandado a usted en la corte. Si usted qui ere defedarse de estas demandas expuestas en las paginas sigulentes, usted tiene vient(: (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Race falta asentar una comparesencia ascrita 0 en persona o con un abogado y entregar a la corte en forma asorica sus def(:nses 0 sue objeciones alas demandas en contra de su persona. Sea avisado qua si usted no se defiende, la corte tomara medidas y pueda continuar la demanda en contra suya sin previo aviso 0 notificacion. Ademas, la corte pueda decidir a favor del demandante y requiere que usted cumpia con todas las provisiones de esta demanda. Usted puede perder dinaro 0 sus propiedades u ostros derechos importantes para usted. ASOCIACION DE LICENCIADOS DE FILADELFIA Servicio de Referencia Legal Uno Reading Center, 1101 Market Street Filadelfia, PA 19107 Telefono: (215) 238-1701 HARVEY, PENNINGTON, CABOT, GRIFFIT~'.:NNEISE. N,}TD, "c. -{/All If?/ I;! . By: I '()A-vv' it! " i R ert J. M. , squire Attorneys for' aintiff, Wachovia Bank, N.A. as Indenture Trustee Dated: May ~, 2004 680776_' HARVEY, PENNINGTON, CABOT, GRIFFITH & RENNEISEN, LTD. Robert J. Murtaugh, Esquire Pa. ill No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Telecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Trustee W ACHOVIA BANK, N.A., as Indenture Trustee: c/o Interbay Funding, LLC 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PA Plaintiff, CIVIL ACTION - EQUITY : MORTGAGE FORECLOSURE v. UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED : Docket No. 04-696 Civil Term 433 North West Street Carlisle, P A 17013 Defendant(s). AMENDED COMPLAINT IN MORTGAGE FORECLOSURE NOW COMES the plaintiff in the above-captioned matter, Wachovia Bank, N.A. as Indenture Trustee ("Plaintiff'), by and through its attorneys, Harvey, Pennington, Cabot, Griffith & Renneisen, Ltd., and files the following Amended Complaint in Mortgage Foreclosure: 1. Plaintiff is Wachovia Bank, N.A., as Indenture Trustee, with an address for purposes of service at 4425 Ponce De Leon Boulevard, 5th Floor, Coral Gables, FL 33146. Plaintiff has duly registered to conduct business within the Commonwealth of Pennsylvania. 2. Defendants, are the unknown heirs ofthe estate of Betty Wright, Deceased whose whereabouts are presently unknown to Plaintiff. 680776_1 3. On January 24,1998, Betty Wright borrowed the original principal amount of $66,800.00 (the "Loan") from Ameriquest Mortgage Company, which had a business address located at 1100 Town & County Road, Suite 200, Orange, CA 92868 ("Lender"). 4. As evidence of his obligation to repay th(: Loan, Betty Wright executed and delivered to the Lender a promissory note dated January 24,1998, in the same original principal amount as the Loan (the "Note"). A true and correct copy of the Note is attached hereto, made a part hereof and marked Exhibit "A". 5. In order to secure the obligations arising under the Note, Betty Wright executed and delivered to the Lender a mortgage (the "Mortgage") against the residential real property located at 433 North West Street, Carlisle, P A 17013 (the "Property") as more particularly described in the Mortgage. The Mortgage was duly recorded in the Office of the Recorder of Deeds of Cum bel and County on January 30,1998, at Instrument Number 15127. A true and correct copy ofthe Mortgage is attached hereto made a part hereof and marked Exhibit "B", 6. Plaintiff, Wachovia Bank, N.A., as Indenture Trustee, successor-in- interest by merger to First Union National Bank, as Indenture Trustee ("Wachovia") the successor-in-interest to Ameriquest Mortgage Company by written assignment of mortgage. The Mortgage has not been further assigned and as such, Wachovia is currently the holder of the Mortgage. A true and correct copy of the Assignment of Mortgage is attached hereto, made a part hereof and marked Exhibit "C". 7. On October 21,2002, Defendant, Betty Wright departed this life, whereby title to the Property became vested in her heirs at law, in fee. 680776_1 8. Defendants defaulted under the terms and conditions of the Note and Mortgage in that the Defendants ceased making the regular monthly payments due under the Note and Mortgage, and that the first such missed payment now due is that which came due on May 1, 2002. As a consequence, the Note and Mortgage are in default for nonpayment. 9. The notice provisions of Act 6 of 1974,41 P.S. Section 403 et seq. (Purdon's 2000) ("Act "6") are not applicable in this case, since: the Mortgage was not given to secure an obligation in an amount in excess of$50,000. None the less, on or about August 28, 2003, Plaintiff sent the Defendant a "Notice ofIntention to Fon~close Mortgage" which notified her of the existing default, and satisfied any otherwise applicablle requirements of Act 6, and is part of the combined "Act 6 /Act 91 Notice" described in the m:xt paragraph. 10. On or about August 28, 2003, Plaintiff semt the Defendant a demand for payment and notice ofthe Debtor's rights under the Housing Finance Agency Law- Homeowners' Emergency Mortgage Assistance Act of 1983,35 P.S. Section 1680.401(c) et seq. (Purdon's 2000) ("Act 91" and the "Act 91 Notice", respectively). As indicated above, it was part ofa combined "Act 6/Act 91 Notice". A true and correct copy of the combined Act 6 /Act 91 Notice is attached hereto as Exhibit "D". 11. Since receiving the Act 6/ Act 91 Notice, however, Defendants have not exercised their right to meet with a representative of a Consuml:r Credit Counseling Agency as contemplated by Act 91, or to arrange for a face to face meeting with the lender, and the thirty (30) day time period afforded for this purpose by Act 91 has expired. 12. Since Defendants' receipt of the Combined Act 6/Act 91 Notice, the Defendants have not honored Plaintiff's demand for payment under the Note and Mortgage. As 680776_1 a result, as of August 28, 2003, the following amounts were fully due and owing under the Note and Mortgage: Principal balance: Accrued Interest to 08-28-2003: Late Fees: Escrow Advances Attorneys' Fees: Court Costs: Title Report Expense TOTAL REAL DEBT: $62,320.23 10,536.39 176.52 2,230.31 1,300.00 150.50 350.00 $77,063,95 Plus additional interest accruing after August 28, 2003 at the rate of 12.00% per annum, or $20.49 per diem, together with any other charges or costs collectible under the Mortgage, including reasonable attorney's fees and costs. WHEREFORE, Plaintiff respectfully requests the entry of a judgment in mortgage foreclosure, in its favor, for the amount due, $77,063.95, as of August 28, 2003 plus additional interest accruing after August 28,2003 at the rate of 12.00% per annum, or $20.49 per diem, and any other charges or costs collectible under the Mortgage, including reasonable attorney's fees and costs, and for judicial sale of the mortgaged Property, and the proceeds distributed according to applicable law, and for such other and further relief as is just and proper. Respectfully submitted, HARVEY, PENNINGTON, CABOT, GRIFFITH &RENNEISEN, LTD. / " ',~/ By: Date: May ~, 2004 680776_1 EXHIBIT "A" DocumentS 12/11/03 14:17 FAX 1aI002 .' .' .:....... './'. '. --~ '-~ LOAN NO. 4209086-S1i2O /'"' " .To - , NOTE JIUlUlII'f Z4, 1!l98 [Dltll ORANGE 1Cb;y] 433 N WEST S'I'BEET CAlIT.,mr.lr" PA 17013 ~AddIaII CA (SteIDl 1. BOllROWER'S PROMISE TO PAY In ret1mI for a 10m that I have received, I promise lD pay U.S. S 'principal"), plus intereBt. 10 the order of the Leodct. The Leader ill AMElUQUEST MOR.TGAGE COMPANY 66,8011.00 (lhi& IID01lDt is called . I UlIlIcrstand that the Lm1d8r may mmsfer this Note. The I..eIIdt-r or myoDll who takes this Note by tranSfer and who ill CIIlitled lD receiVe payDllllllS UDder this NOIIO is called the "Note Holder.' 2. INl'EBEST . 1m_I will be dJarged on unpaid' priDcipaJ UlII.il the fuIIl1IDlJW1I of priDclpal hall been paid, I wiJl pay iDtereSt at a yearly 1'llIe of 12.000 'iIi. The interest rale req1llRd by lhi& Section 2 is tbe lite 1 wiJl pay both before and after IDY default described in Section 6(B) of tbls Note. . 3. PAYMENTS (A) TIme and Place of PayJllt!llts . I will pay principal and iDtcnIt by IIIIking p~ evIllY IIIODIh. I will make my moDlhly payments on the f1l'St day of each JDDIIth begImIi\1g on March , 1998 . I will make these paymeuts fNl:ty UIllDlh um\I I bave paid all the priDl:ipaland lDteJeat 8Dd ;my other diaries descnDcd belOW that I may owe UDder this Note. My monthly payments will be applied to interest bcd'ore principal. If, on FebnJary 1. 2018 , I st:.U owe amountS 1lIIlle&' this Note, I will pay thoee amolUlllllD full on that dare, which ill g]}ed the "Maturity DIlIC.' I will make my IIlODthly pliymCDIS at ORANGE, CA l'2868 (B) Amount of Monthly P.~ts My J:tltJ1Uh1y paymcm 1ri\l be lD the amoUDt or U.S. S 4. BORR.OWEll.'S RIGJIT TO PREPAY I JII8Y repay this Note at ;my time as pIOv:.ded for in this paragraph. If the orIlinal principal 8IDOIllIt of this loaD is 550,000 or less, I may make a full orpartlal pxepaymml wiIhout paying;my pclJllty. However, iftb.e original prlm:ipal atIlO1IIIt of this Note exceeds 550,000, 8Dd If within the fust 60 UIllIIIba after dle CUCU1:1on of this Mortgo&C. I make full p!llPlIYDICIII or, in certaiD ClIIICS a partlaIl'lop"lwtnl, and the rotaI of sw:h pxcpaymcnts ill IDY ooe (1) year exceeds lwc:m:y pcn:eot (2OS)of the origlDal pri!lcipal amount, I will pay a prepayJllCl1l. Charge in ID amount cquallO !be pllJIlIIlIIt of six (6) months' advaDce lmere&t on the amount prepaid which is in excelllI of tweDty percent (2O'iIi) of the origI:Dal priJlcipal aIIIDIID1. 5, LOAN CHARGES If a law, which applies to this 10ID and which selS _IIII'ID loaD cha;[JCI, Is filially inteqnled 80 that the interest or other loID cbatJcs collec:tcd or to be collected lD ~ with this loaD exceed the permitted Iimirs, them: (i) ao.y such loaD charge shill be reduced by the lIIIIlltIIIt DeCeBAiy 10 reduce the charge to the pcmdltM limit; IIId (U) my 8UIXIIl already coUcotcd from me which exceeclrd pctD1itted limits 1ri\l be m1\mded lD me. The NlIte Holder may d100ec to make this milDd by reducing the principal I owe UDder this Note or by mak1Dg a direct payDll!llll ~l me. If a refuud rcd\Jces principal. the recIw:lion will be ttclllCd 'as a partial prepayment. 6. BOllROWER.'S FAlLUllE TO PAY AS REQUIRED (A) Late Charp tor Onrdue Pa~ If tbe Note Holder has DOt IllCCived the fulllllllllUDt of;my lJ1DIIlhly payIIleDt by the CIlId. of ftft_ the dale It Is due, I will pay a !ale charge to the Note Holder, The amount of tbe charge 1ri\l be 6.00 my overdue payment of priDcipaland iDtmeIL I ",ill pay this late cbarJe promptly but only cmce on each laIll paymcDI. (B) Default If I do DOt pay the fulllllDOUJ1t of each 1IIOIIt'oly payment on the date it is (\ue, I 1ri\l be ill default, I 505 HOUTH MAIN STREET, Sft. 6000 . or at a cliffcflmt pI_if zequiIed by the Note Holder. 735.53 cal<millr clayl aftc:r 'Jljof PawNSVLVANIA FIXED fllI,TI! NOTE. Single Flmlly .;- PeEl8,of2 12/11/03 14:17 FAX 14J003 /" -'. <: ,-,.".I, , ,--",--. LOAN NO. 4:!0!J0lI6-S&O : -;;.' 0,:;' (e) Notice of Jlefault If I am In dllfault, !he Note Holder may scbd me a wrillell DOtll:e td1ing Die tbat if I do ~2 !he ovmdue Im01I!II by a cext8in cIale, the NOte Holder UIllY requiIe me 10 pay iJm-liorely the fulllllDOum of pIincipll has DOt beaD paid 8Dd all the iDlereSl that I owe on tbat lIIDDUIIt. ThIt cIale :DII8t be at lem 30 day. Iftllr tbe cIate on wbich the DOtll:e i. dBlivered or mailed to me. (D) No Waiver By Note IIolder Even If, at a time when I am In deflUlt, the Note Holder does DOt requite me to pay immcdialely In fI1ll aI described above, the Note Holder will stlll have 1M ri&ht to do so If 11m in defauh at a later lime, (E) Paymeat of Note Balda"1I Casts IIIld ~ If the Note Holder has required IIID to pay m.mMw"ly in full as de8c:ribe! ave, the Note Holder will have the right to be paid back by me for all of its costs IIIld expllll8CS in eofim:iDg thil Note to ttu, extmt tlOt prohibitec1 by applicable law. Those expeusee iD.clude, for lllWIlJIle. rea&ODBble 1lIIOIM)'&' fees, 7. GIVING OF NOTICES UWe&S applicable law requires a different meihoc1, any DOtice that IIIIISl be given to IIID under this NoIC will be lliven by delivering It or by IJI8lling it by first clan mail to :.tIC at the p[()paty Address lhove or at a dlffimmt address If I give the Note Holder a notice of my cliflerent address. Ally DOtll:e that IIIIISl be given to the NOte HoJ.deI: under this NOte will be Riven by mailing it by tint cIasa mail to Ihc Note Holder at the address stated in ScctioD 3(A) I110ve or 81 a difreftm addreu if r lID given a notice of that diffe!lmt addIcas. 8. OBLIGATIONS OF PERSONS UNDER TBW NOTE If IIlOIe than one pCl[&llIllligns this Note. each penau is fully and penonaIly obl1llob!d 10 keep III of the promlsc& JD8L\C in this Note, including the prtJDIlsc to pay the fuIlllllKl1lllt owed, Ally paI&llD who iis a guarantor. II1tCty or eadoncr of this Note Is also obligated \0 do these thiDp. N1'1 perlon who lakN oyer tbcse oblfaatlons, lftphldi'lg the obliplions of a gnarantor, surety or enclorser of this Note. Is also obligated to keep all of Ihc promises IIIlIde in this Note, Tho Note Holder may CIIfo~ illl rights UDder this Note apiDst each penon indIvicInally or agaiDst all of us "l~. 'Ibis _ that any one of us l118.y be required to pay all of the BDlllUlllS owed under this Note, 9, WAIVERS I IIIld any other person who has obliptions UDder this NOIC waive thel rillhts of pm._..l.._ md nollee of dishonor. 'PIesmtmt:llI' meaDS the right to rcquirIl the Note Holder to dem8nd paymmt lIf 8lIlOIDIIIl due, 'Notk:e of dishonor' means the right to require the NOte Holder to give DOtk:e \0 oIhcr pcr&llIII that 1!IlO1lIItS dw, have not been paid. 10. UNIFORM SECURED NOTE 1bIs Note is ~ Wllform instrUment with liDliood variations in some juIlIdil:lions. In addition \0 the protec'r.lons given \0 the NOte Holder UIIlIer this Note, a Mortpp, Deed e,f Trost or Security Deed (!he "Security lDItrumeIlt"), dated the IIIDIl dIU: as this Note, protects the Note Holclcr from possible losses whlch mlgIn xesult if 1 do DOt keep the jlIOIDiIes which IIIWte in this Note. That Security InIltllllullul lle8crIbee hoW IIIld lIIIlIer whaI condltions I IDII)' be required to IIWte imIJ-!;ore payment In full of all amounts I owe under this Note, SOIDll of thoce conditions ue described aI: foDows: TrllllBfer or the Property or a Bendh:I81111ta't:1t In Bon u.."'. If all or any part of the PiU~ or an., inlClest in it is sold or !IInIfen'ed (or If a ~.......flr.i.llnrcrest in Borrower Is solc1 or trIlIISfe:md IIIld wet 1& DOl a natural person), without J..cuder'. prior written COD6CIIt, Lelllln: may, at its option, require ;.n....,.II.,.. l'aymeo.t In full of all 61IIIIS eecured by this Security InItruroem. H01ImtIlr. this option shall DOt be emciIed by Leridcr If CMlCise Is proInlliled by federal law as of the cIate of !hill SCClUity lnsttDmllot. If l..cDdcr exurciles this option, LcwICll' shall give Borrower IlOtice of acccI.eration, 'Ihll notice sha1I provide a period of DOl less thm 30 days from the date the notic:e is delivered or mailecl within which BOIIOwer must pay all 11IIII6 eec:Ill8d by lhil1 Security J':amument. If Elonower falls to pay these ll1Ul19 prior 10 the e;qrit8liOD of this period. Leoder ma:,' invoke any r-....les penni,tted by this Security InItIument without furthcI' notice or dl:m8iId on BoIIOwer. WITNESS THE HANn(S) AND SBAL(S) OF TIm UNDERSIGNED. , auJN-t: /1lf3 $.t)Y5~ ~ (Seal) .Bom_ (Seal) ..IIomJwao SSN: (Seal) ..Jlotro_ . SsN: "r .....;...." (SclIl) .- SSN: {SIgn Orlpl Onty} .{..' .~ ....:: ..:.,.... '" . :.... A '. .' .~.. ",\'-..r i~:"'" ";;1. ~:: ." !:.\~. 1 1:'0'--- . .--,". . EXHIBIT "B" DocumentS 12/11/03 14:18 FAX 1i!I004 " '. ~. :- ". ~., '-. , ......- Parcel Number: (&pRe /l_1'IdI Uaa"" _.... Dllla) WhllI1 recorcIIlc1 mall 10: AMERIQUEST MORTGAGE COMPANY P,O. BOX 11501 SANTA ANA, CA 92711 LDan No, 4209086-5620 MORTGAGE THIS MORTGAGE (.Security 1JIItnImaIt") II &1- OIl BBTTY WRIGHT Iamwy 24, 1!l!l8 . The IDJrtPI01' Is ("BomlWm"), This Security IDlIII1UIIeIIt is given 10 AMERIQUEST MORTGAGE COMPANY , wJili:h is orvnl7wl 8Pd ex.1ariq&1IIlIIII" lbe Iawa of the Slate of DeIawIre ' aud whose address Is 1100 TOWN ok COUNTRY RD., l>I'S. 200 ORANGE, CA 92868 ("LmclclC"). Bormwer owes 1aJder IIIe priDcip8l1llDl of SJxty Silt Thousand BIght HUIIlircd lIIId IIlIIlllO - DoUm (U.S. S 66,800.00 ). This debt ill evl......C"<J by Bw....wc:r's ~ dahd !he _ dire as tbi8 !leamI1y IDstrummn ("NOU:"), whlc:h pmYldlls for monthly paymeulS, wiIh !he full deln, ifDot paid eorIiec, due lIIId payable on Pebmary 1, 2018 'Ibis Sec1Irity lDstrlmJept seconIIlO Lcmder: (a) the rcpayIIIIU of the debt evldalCllc1 by tbe Note, WiIh imerllBt, IIId ail_lis, CllIlI"'.lnn. ami ........Ifi,..,mnn. of IIIe Nou:; (b) 1IIe pa.ymem of all other lIUIIIS, with Wt.....-t, adYllllCl!llIlllller p8f8IflIPh 7 10 pIOteCt !he sec;IIrity of tbi8 Samiry 1DmumeDl; mc1 (e) !he pcdomlaIII:e of Eiomlwllr'l eovc:aama.1IIIll "r> ,..-0" IIIIdIlr tbi8 Security Jnmumeat lIIId 1IIe NOlL For thI& purpose, Bv...,wClr c10u IIeIeby IIIlIIIpge, pIIIt lIIId COIlft1 to LcDdar 1IIe foIIowID& desc:ribed. prllpllrty Joc:aIed in CUMBEJU.AND Couaty. PmmIylvllllla: LEGAL DESCRIPTION ATI'ACHBD HEUTO AND MADE A PART HIBRBOF wIlich has !he addrees of 433 N WEST STRBE'r Pemlaylvaoill 17013 PENNBVLVANlAoSlng1e Famlly-l'NMA/fHLIIC UNIFORIIINITIIUMENT Form 303lI1J1O -'_IPAI...'OI.o2 A_IIIlif;~2J'l '11811 1 d. TDPAl (nw.ltm) Imdllr. ............_....."'............ 111""'"1:."1.'7"" CARLltsLE lZlp Code), ~'~~~:q ., ,. ~ "''''''''''';:'''''CT . .. ,-: ..t'hJ....\. j.t\t:v . . . -..... ......,-.ll\.!tl '.',~"""'I"'t':'IP',",,", ;",. ..I\.It<<\cL. [Slloel, CII1J. 111111111 12/11/03 14:18 FAX ~006 , ", .......--' ' ' '-v , TO'UBTHER. WITH all the improvcmants I\OW or hereafter olnCted 011 the property , aiIcI all easerncms. appIlM""''''''', aDd fwures 1lII'" or hereafter a pan of the propen,. All rep\ac:eDlCDts aDd additioDS sball also be covared by dli& Security . lDsuumcnt, All of the rorecoina Is ,..!'e.m! to in this Security Inst1urDaIt as the "Plapelt}',. BORROWER COVENANTS dIat Botrower il, lawfully seised of the estate hereby conveyed IIId has the ript 10 mortpp, Irmlt and convey the Property aDd that the PtllperLy is IIlleIICUIIlber except ror elICUlDbraIIl:es of record. Bonower warrants and will defend geuerally the tide to the Property against all claims and dcmmdll, subject to any co:umbrmccs of~,. , THIS SECURITY INSTRUMENT comhiDes unifonn COV_IS for omIol1a! UIll and IIOII-UDlform coVelllllllS wllh lumted variations by jurildiclion to COII&1ltute a uniform so.."1lril)' iDsuumeat llOVcriD& teal propeny- UNIFORM COVENANTS. Borrower and Lc:. COVeuallt aDd agree uli:llIows: 1. l'aylDeDt of l'rInclpalllDll. lDtensti Pn'paymeot lIDII. Lale ChIJr&I$. Bonower sIJall ProD;lUy PlY when due the prlllcipal of aod iPZeteSl on the debt ~ by the Nore aDd my prepaymenl and IatIl cbugeS due UDder the Note. 2. Fuads fOl'Tuxes lIDII. 'fDsurIIaee. Subject to applicable law or to a 'liriaen walver by Leader, Bonower shaI1 pay 10 Lender on the day monthly paru-m are due IIlIIIer the Note, unliI the Note is IlaId III full. a sum ("Funds") for: (a) yearly t8D8 aDd assesnnentS which may aaain priority over thill Scl:urity I'nstrumllIIt as a lien on tile Propctty; (b) yearly leasehold paymeDlS or srouncl IeUts on the Ptllpaty, if any; (c) yearly::w:ard or property iDsurmce p!"'"'lnmo; (d) yearly ftooc1lDsuraDce pmniums. if any; (e) yearly mongaae iIIsUraIIce prcmlums. it any; aod (f) any SIIIIIS pqlble by BomIwQ to t..cDder, III acc:ordaDce wilb the provisioDs of paragraph 8. in lieu of the payID!Dt of monpgc Insurance JIl'emIuma, 'I1IeIc items are called '1!&croYI1teIDS," Leader may, at any time. co1\ect aDd hold FumII III an aIIllIUIIt DOt to ellCCell tbe ID8l"b..m.. amoum a lllmIer for a falenIly IB1ared mortlage loan may n:quIre for Bonower's CSIOW account 1IIIder the 1ildera1 Real BstaIII SeulezDaIl Proc:eduRs AJ:t of 1974 as .",....ded from dmIIl to time, 12 U.S,C, Sa:don 2601s seq. ("RESPA "),1III1cIa 8IIOlher law that appIics to the Flmd8 seI:S a leuer 1IID01Ult. If so. Lender may, at any time, collect aod hold F1mdII III an 8IDOUDt DOt to elCI:Cal the ~ lIDIOIIIIt. Lender may estimate: me amoum of Funds c1ue OIl the buil of cum:m data lIEd rea&ouable estlmms of allJICIIdituteS of fatuIe Escrow Items or otherwise III aa:onlance with appJic:ab1c law. The Punds shaI1 be he1d III an IDstiiulion whole deposits ale iDsured by a fedenl apIlCY, imll;....~,l.dity, or cudty (iDcludiD& Lemler. if Lander is such an iDstltu1loll) or in any Fedenl Home Lom BaDk. l.cadcr shaI1 apply the Funds to pay the Escrow lram, Lender may DOt charge BoJrowcr for holdlDg aDd applYlDi the l;lunds. lIIIDIIIlIy lII8lyzing the esc:row 1CCOWIt. or verifying the Escrow 1_. ualllSl1l.cadcr paylI BoJrower IIIUlleSt on the FuDdlI aDd applicable law.paI1IIita Lender 10 mab I1ICh I charge. However, Leader may require BolfOWDl to pay a ~ charge flIlr an inl'?'ftd....~ reaiestate tall n:portIDg servil:e used by LeIIder III COIll'...rinn wi1h this loan. uoJess applicable law provlllles othelwisc. Unless an apeeIJIllII1u IIIIIde or applicable law requites IDtetest to be paid. Leader lIhall DOt be teqUin:d to prgI. Bormw\lI' any iarcrelt or ......1"1. 011 the PuDdI. Borrower aod Leader may ql'eC III writing, however, that IDtcrest shall be plid on the f1mds. l.cadcr shall give to Bonowcr, without chalge. an 8JlDIlaI accouDIiDg of the Flmds. showing crcdlts 8IIli debita 10 the Punds aod me JlI1lllC* for which lIICI1 debit to the PuIIlIs was made. The Funds are pled&ed as addItioDal securlty for alIli\11111 secured by dli& Scx:urIty JDalruuIaIL If me FUlIlts held by l.cadcr exceed the IIDOUIIlS permitred 10 be held by applicable law, Lender shaI1 .....ou4llO Borrower for lIIe excess Funcls III aceordlmce wid1 the requiranems of applicable law. If the aIDlJ\IIIt of the FlIDds 11el4 by Lender at IDJ time ill DOl sufficient to pay the Escrow lram when due. LeIIder may so DOtifY Bmrower III writiq, md, III such case Buuu..... shall pay \0 Leader the amoUDtllCl:eSsaty 10 make up tile deficiency. Boml1ll'llI' lIhall1uake up the deficiency III DO more lban twelve lDlII11b1y pa;ymeats. at LeIIIIer's sole discnltion. Upon payment in full of all sums &eCUted by this Security Insaumeut. l.cadcr shall promptly tcfuDd to Bon'ower my PuncIs hc1c1 by Leader. If, IIIIdar parBBraph 21, l.emIer shaI1 acquire or sell the: PI_t>'. l.endcr, prior 10 the acquIaitIoD or sale of the Ptllperty, sball apply lIIIY Funds held by u:adcr III the time of acquisition or sale as I aedit against the sums _..:I. by this Security IDstnJ:mcm. 3. Application of I'a)'llll!llts. UDlea applicable Jaw provides otherwise. 1111 paymcats received by Larder 1IIIIIcr p&ragrllphl 1 aod 2 shall be applied: first, to any pn:paymeI2l ebarpa due IIIIdor !be Nau,; secoud, to """"'UlS payable IIIIIIcr parIifIph 2; third, to lDterest c1ue; fourth, to principal due; md last, 10 any IatIl charlll5 dul:: IIIIdar the Note. 4. Charges; LieD&. IlomIwer shall pay alIuxes, asalllSllllllllS, charges, fiDes aod irqIoIitions attributahle 10 the I\~ which may allaiD priority OVllf thiI Scl:urIty IlIItl"UIllc:nt, 8Dd leav.bold paymePlS or ground _. if any. lluu.owel' sbaIl pay these obligatioDI in tbe lII8IIIIllt' pruvided III parqlapII2, or if DOt paid III that .IIIaDDIf, Borrower shall pay dum 011 time dIra:tIy to the persoD DWed paymeI1l. Blllrll/O~ IbalI prmnpdy fumiIh \0 Leader alIl1lxices of lIIIICJIIDts 10 be pa14 UDder Ibis pamgraph. If Borrower IIIlIke8 these paymeDlS dlm:tly. BoIWWel" shall promptly fumish tlJ Lender m:cipts evld........ the payments. Borrower sbalI promptly dillcbEgc lIIIY lieD which has priority over 1IIIs :Security btluulCDt unIc:ss Bonower: (a) ~ III writing to the payment of the obligation sc:cured by the lien III a manner ICCllptahlc to Leader; (b) COD_III ICJOd faith die 1iDIl by, or c1efeodo against enfOra:lllDDl of the 11m :no legal proceediDgs whiclli in the Leader's opinion operate to prevent the euforceme~lt of !be lien; or (I:.') IecuteS from the holder of the lien an qreem:nt _.f."lI'1Y to LeIIder subordinating the Uen 10 dli& Security InslrUJDellt. If LllIIder de!clminelI lIIUI any part of the PropertY I:s snbject to a lien which may amdn priority over dlls Security Inslnlment, Lender may give 1lom7o,.",. a notice Idcnlify\nl !he Uea. Borrower shBll salisfy the lien or take one or more of the actions set forth above within 10 days otlhc-gWing oflllOtice:.:;:hl:1 ,,~, ..,'.1... :,.,C'C,i':iii:GT ~ .... ~...n..l._.._..... ._......n......... ;;::.:~.., ~~-~~~;~;:: T....nNn.4209011fi-Sfi2~dDia: Parm3039 1180 1i!J007 12/11/03 14:18 FAX , -......I. .. ~ , 5. -lIazanIl 01' Property 1Dsun_ Bon'O\YCr Iha1l keep IIIe lmprovemmm lIllW exlalini or bcmIfler erected DD the . Proper.y insured apiasllOSS by lire, bUIlds Included wilhlD the lerm '~1ec1 QlVepae' and any olhcr hazudI. lIIclw1iug floods or flooding. for wbidl Lender requires iDsW'BDCC. Tbls IDIunilcc shall bll ,...In,ai_ in the mmUlllS and fur !be periods thal Lender requiTeS. The iDatuIDI:Il carrier provldiDa !be losUX'llllCC shall be cIIDM11 by BollOWer subject to l.eIlder's approval which shall DOl be umeasooahly wilbheld. If BoTl'OWlll falls to wi"..i" COVIll. de&cribed above, LePder may, II. LelIdcr's option. obtain covlll3lle to pnxccl Leader's rigblll in IIIe Pwperty in accordaDce 'with parqraph 7. All illSUl'lllCC policies and renewa\I shall be acceprable 10 Leoda' and Ih.u lnchide . IwuIard mongage clause. Lmler sbalI b&velbe rlghlto bold the policies and l'IlIlCWm. If LelIdcr requires, Borrower IIhIU promplly &lve 10 LelIdcr all RlCtiprs of paid premiums and rmulWalllDlices. ID IIIe evenl of'loII. Bonower sbalI aive pllDmpt IIOrice to !be insUraDl:e cattier and Lenlkr, Lender may make proof of loss if DOt made promptlY by Borrower. UnllllIl Lender aDd BollOWer otberwise ap:e in wriliDa. insurance proceells ahsll be app1leclto lCStoration or repair of the Property damaied. if the teItOnIion or repair is eQ)lI(lWio:a\ly feasible and Leader's security is DOlless-...t. If the ,e5lCltation or replir is IIOt ecoDOtIIically feuible or LeIIlIer's sec1lrity would be lasened. the insUrIDl:e proceeds shsll be applied lD the I\I1DS sewred by Ibis Security JDsau;aIcDt. whether or Ilot tbeIl due, wiIh any _II psid to Borrower. If Bomlwer ablUl~ftft- the Properly. or does IIOt :mswer wilhID 30 days a IIOlice from LelIdcr that the insltr8llCC carrier has offered 10 sctlIe a claiJn, tbm Leader 1DllY coIlec:r the \JIIUrBIII:e proceeds. Leader may use the proceeds \0 repair or ta1DIII the Property or to pay lums secured by Ibis SeQlrity 1Dstrun1em. whether or DOt then dUll. The 3Q.c1ay period will begin wbeD me DOt\ce ia &lVllll. Uolees Lender md Bomlwer olhenrile qmo in writlDa, any appIicatkm of .,toe=Is lD priDdpalllhaJ1l1llt exteDd or postpoll8 me due dare of the ttIllIIIIlly ~ refemd to in parlIIIIpbs 1 and 2 or dIqe !be lItIIIIllIIl of the P7~' If UDder parapph 21 the Property is aequircd by Lc:nder, Bonower's right to lilY iIIIunII= pnli.... md proceeds 1aIt11lDiflom damage to IIIe Ploperty prior to tbc acquIIitioll sbalI pm to LePder to the exteIlt of me IUDIS aecoml by I\liI SceIIr\ty IIIstrwtaIt inuD:diately prior to !be acquisitlm1, 6. OmIp"nqr, P\~adoB. MaiDteDaDce llIId PnI_nn or the P\...-L7i JIorroMlr's LoIIIl ApplicaUllIlI Leaseholds. Borrower sItalI occupy, estah1iIh. and use tile Propetty as BortOW.:r's pr\Dl:ip8l resid.... within sixty days afals" the executlm1 of this SecuritY IDsaumem md sbalI CODtimJe \0 occupy tbc Properly as Borrower', prl!mlpaI rIlIideDce fur at Jeast 0Dll year after the dale of oc:eupIIIq. unJess Leader otlle&wlse acr- in writing, wbld1 consem sbal1l1Ot be umasonably w\tbJuold. or unIeIs l:XtIlIIIIating circumIIam:e& exist whidllW beyllIId Bonower's CODac~. Borrower sbal1 DOt deIlIoy, ~.-... or Impair the Property, aJIow the Property to deIeriOraIe, 01 commil W8SU! on the Property. 1\OmlWCr shsll be in defauh if BDY forfeimrD action or proceedillg, whether civil or criminal, In begun thai. ill Leader'1 iOCld faith i>"T-"" could mult In foJfdture of the Property or otherwise mmrilllly Impair the lleP C1'C1ted by this Security IDmuJlIICI1t or LeacIer's sec:w:Ity iDlereIL Bonower may cure such a cldault;md xelnmte, as pwvided in punsraph 18. by CIIlIIiD& me IICIioD or prot.....I;'.. lD be dlsmiued with a nJIlDg that. in Lender's good faith do.~.. :...rinq, pm:Iudes forii:itIml of the BomllW:r'1 intereSt ill the Plygat}' or other matllriI1 impalImeI1t of the lic:Il creaIlld by I\liI SecuritY IDslrumeP1 or Lcuder's secwity lDWest, llc...oWCl' shal1 alao be in default If Borrower, durillg the 1011II appJicaWm pwcess, p.'e materially false or \1JaCCWUl infonn"""I' or 5""-- 10 lalder (01' fal1rd to provide Lender with BDY maIerlal iDfotmIllon) in COIIIIIlCIilltl wiIh the loaD md"ll...... by the Note, ;""b1<lin" bII1l1Ot UmIted 10, rtpl""""r:mQDJ collCllOliDg Bomlwer's 0CCIlP8I1C)' of me PiujlllllY as a principal millllD""" If this SecIIrity IDstrumeIn Is on a leasehold. Borrower sItalI comply with all me provisioDs of the lease. If :Bonower &eq1Iites fee title 10 the Property. me leasehold md !be fee title shal1 DOlltlllQle unless l.emier qrces to me IIIIlIJeI' ~~ wriIiai. 7. ProtectioD of Leader's JUpts iD the Property, If Bomlwer fails to pcfotm tile coveIIIIIIIS and ~ro """'aln.... :in lhls SecuritY 1DstrumeI1t, or there is a lepI ~ that may signlficaltt1" affect Leader's _ in !be Property (sw:h as a proceedIDg in bllllkruptey, probm. for coml. .,notinu or forfeiture or to eufalClllaws or re&1Jl..I....~). theII J.auIIlr may do ml pay for whalever is ~... IUY to pmteet the va\1:.e of the Property md l..eDder's natus in me Pwperty. LelIdcr'II IIClioDa may include paying any sums secuxed by a liell wtdch has priority over I\liI Sec:url1y InstrIIDIaIE, appeIriII& in \XIII1't, payitq Ill8S"".h1o: aa:orueys' fees 8IId. CIIItIlIiIlg on the PropertY 10 makD repaits. AIth,. Leader may talce aon UIIIler this paraaraph 7, Leoder does DOl bave to do 10, My llIIIIJUDlS dlsbuned by Leader UDder this pmgraph 7 sbal1 become a""i.jonal clebt of Borrower secum1 by this Security InstrlllDllllt, Un1c:s5 Borrower md I..eodcT agn:e 10 other lCrIDS of plIymcm. these iII1IOIIlttS sbaIl best iDrerest froID the date of disbursrlmeDt at the Note rate aDd shall be payable. with interest, lllpOD tIIlth:e from Leader 10 BotTOwer requestiDJ payment. 8. Mortpce IDIur1IIKe. If LelIdcr requilellll101'tgllge iDsuranl:e as a coriditlm1 of makini me 10ID &ecwed by I\liI Security Instrumeat. Borrower shsll pay the pRIIIIums 1'1.'qUlred to ....i"'a;n die 1IID1:rga&e ilIIlIraD<:c in offect. If. for my tIllIIOD, the IIlDttgage iDswauce coYel3le required by LeIIder lapses or ceases to be ill etrecr, Borrower shall pay the premiums requUed 10 obtain coverage substsntla11y equivalent to the mortgBle inlUrllllCll previouslll in effect, at a cost sublltlllltially equivalellt to me . cost lD Borrower of the IIIDttJlIllIllDsurance (OYioUsly in effect, from au a!tenWe IIlORpp insurer approved by LmIder. If substaDtially equlvalelll monpae lnsunDce cove. is DOt llVai1able. Bono>_ sball pay 10 I.elicI<< 0IdI moDlh a sum equal 10 one-twelfth of IIIe yearly IIlOrtlPIB insuraDce pretnium being paid by Borrowl=r wbm the instJraDce coveraae lapsed or ceased 10 be in effect. Leader win accept. use aDd retain:~~iIII,"lf:F.s reserve in lieu of mongap 1Dsunm:e. LoN reserve .,' ~,"":'.~~: :- ~""~~~I:~;l!4.:-:1 . ) ,,:" , ,- ".'~"n"~:V.!..('\ """"'"' ,A k/ , . ....3.1. /hj,.r.. Loan No, GO!I086-562.0 Form 30:11I 1110 , - -...-...." 12/11/03 14:18 FAl 1aI008 , - . ->..../ - . " - '-.' 16. Intenst Rate After 1......-. IIorrowllr apellbalthe inlelelt file paylble after ajudgmem 15 Clltered on the NOIe or In an acdon of mongase i'onlcIosUle shall be the rare payable from dme to liDle 1IIIIIcr the NOIe, 27, HJden to thiI Sel:urI&y InstrmIumt. If OtIC or IIIlml r1c1en iIRl lllIllClItI:d by Borrower IIIId n!COIded 101llll:bm" with dais Sccwity IDauummt, the CXMlIIIIIts 8Dd ..... .. "".. of eadI md1 rider shall be inl:mpomcd ilIto and IbalI amend IIIId SIIpplemem the COVeDIDU lIIl4 ~ of tbIa Security InIInI.mr:D1 u if the rider(.) were I put of dais Sel:wity Inmumem. (CIcek appllcabk box(es)] ~ Adjustable Rare RIder ClnIdtllled PaytlIeIIt Rlder Balloon Ridl:r VA Ridl:r ~ CoM""'"'i..... RIder PIlIIIIIIlIl Uuit IlmIIopJmat Riider Rare Imptovement Rider IJtbllf(I) [&peCify] ~ 1-4 Family Rider Biwcddy Paymcm RIder Secoud Home Rider BY SIGNING BBLOW, Bonvww llXZpu IIIld agra:s 10 the terms IIIId CCM_ """..m"" ill dais Security ID&trumeDt IIId ill any rida(s) MO......"" by Bu..u..... IIIl1 reconIecl With it. WiIlleUell: ~~_ tJuj;- BE'ITY WRIl (Seal) -Boa_ (Seal) ~.- (Seal) (Seal) -Bua..,wv ............If:I Certllkate or R,..;~ I, the withiD-1IlIIIIec1 Mortgape iI Wib1ell my haud Ihis 1100 TOWN &; COUNTRY RD,. STE. 200 ORANGE, CA !12868 ~7h dayof~}' 11 . l.I'U~. , V~-n. 1-~ Apatol~ , do hmby certify that the com:ct address of COMMONWEALTH OF PENNSYLVANIA, l~ Coaotylll , /99.? ,before !lie, the IllldeDiJQCd oftica-. OIlIhis, the blJ.!/l, day of ~y pezllOllally appeiIRld 1Je;Tr'( /Va GIH -n:::,- 11_ III me (or ...i.r-....uy pIOWlIl) III b.. tbe penon whose - ~ sahscrihed III the wlIhln inIIran.:ut IIIId a:tDowIec1pl that e~.,..,'red the same for lhe plapOS'" hemin ....n.on-t . My IN WITNESS WHEREOF, IhmImID set my ~ ~ ~~ seal, 8JUy;?l ~ lk SHEIIllI LOlla ..... ,.. , HaayPuDfc: ..., ,'. ::. .' ~ ~aazai ~ upp.rMellclnTo...,~. : ',~' .....l ,.:.1 ~Il r.1 ~'\j, '':~' '1(( 1. . Mal'JtgQ.l r--..... '." " '. .... ~. "'l :........ ........or "" _.,_..,. I ............__. -;..;'--. ," "..' ~,""~om.. -,'1. . ".'- ..,l'..;'d"'''~, CI.l&;.eHIPAII..UII... ''IDP'''liO'.II'''1 ;'; \. . ..,~:,.__"!!I"~ _ I_No.4209086-5fi20 ........3031 IIIl10 " '., ,. ':~ .~IRi.~.,:",,: -.....\"':'~l\'. I::UI 1/0.1 _14:.1A F^':t LltIonn ~ ......TIQl!IAL REAL ESTATIi: _.. "'2J SIl'._ Toll "..: ,/Sot>> 7/S~:J:J. file,,, "'21112'-7447 r.N _ 1_ 252-'466 -J.8II8 15: 52 PAr' 1 R1.ht:FM ~ l:.f() LV l\~a ~ N.tion.1 ..... En.te l"for_lo" So.via.. 0... ___ Ifoul ~ PA .li201S 2/S1IO L5'''''"' T DB8c:!Jl% PTXOlII order nata. 12/0'/'7 'l'ran.mi.tt.d. 01/26/98 15,56 ~dar. g-,7-07836. Cuatam.~ ~o: La3740 11'<;>/1;' , AJalJtJ:OCBST J4DRTGIAGZ c::cNJrAlfY 150 .. 1U\RBIIR RD 8'I'B 186 KUliG OF PRU8I1X"'-. .."'- 19&06 AI> ~~.. II X;J;oL 1tB. _X_. BETTY J. ....33 . ....T liT. CARLJ:SI.1!I, PA 17013 CClmIlIl:T.,","'O C!OUI!II'rY Io1IlGIlUo P8SCR1:5'T%OR AI..:r:o THaT CBIlTADIf JJCiT or CIIlOQIl'JJ .1:'1'tDI.T11 1:. TIIZ .OJIGtXIH OP C!JUU.J:8E, .-.tlIIII'1'Y 011' C!aMIIBR~, 8TA.TIiI 011' PJIlIIIIUIYLVAII':tA. lIOUIlluYD A1ll[1 DZ8ClJU:IIIIJJ AliI 5'OIWOWS: 0lII TIm JllOIl.TH IIY PROPSRTY !laW OR ~T.Y OF 'l'HIiII IEEX1t8 OF ........T..." SIDU'LI!lY, DECl!'lJl>lIIRD, OR TIDil -.-T BY _ 1UoLBY, OR TIIIiI 1I0tn'W IIY J:>ROP1':RTY 1IIOW OR ~I'''>T.y OF G&ORGB MClSIIT:!:_. _ 011 '1'IIB WB&'l' .Y IIOIt.TB 1nllW1' STREB'l'. .......~:!:JIrc:J :DT DllPI'H A D:!:STaI1aB or 100 ....-r PROM lft)llTH 1IBIST ~ '1'0 II~D' ALLl!lY, AlIID RAV%JIrc:J A ~ aocr aA%D MOItTR _'1' IlTR"'....r 200 PEIE'1', AlIID BAVU/G T"""""QR BREClrSD A .--.uI DWBLT,'EKQ BOUSE JalfC)WJl _ RUJG_ .33 NnlOT'R WBIiIT STR.IiIllT. ,llDDRESS. 432 III _lIT aT.. EXHIBIT "c" DocumentS 12/II/O:l 14: In FAX I.ttIO In ,~, ~.... ~ AM'P.RIQUBST MOR:l'UAOIl COMP^NY P.O. BOX llllU" "'ANTA ANh. CA !n711 Certmcd'True Copy 9~-? -- When TDCOtt.b:Kl. ,..all to: J .Nt" Nn. 4209086 ASSIGNMENT OF MORTGAGE COMMONWB4'.TR Oll'PENNSYJ,VANIA. 2 CUMBERl.AND COUNTY. S POI< VALl-Tn RRCB1VED. IJJ>> WMlo,nilll*l AMlllUVU1iSiT MORTGJ\GF. C':nM'P^NV docs hereby ......r, hR"f:Rtn. ...u, <:uUV")'. ,,"ip aDd. cIe11wr """" fJrSlt UnIan Nalinnal Rank, As Indenture Trustee ThM aarca'n Mur~. oxccutecl by lJ1iTI'Y WIUOHT (M.....t;neM) to tbo undcnt.,..,.1. wWuh MontIalI- is...oodcd lA - om.,., of - ~i:;r~~J I ' ~D ~ofPtmDlylvlII11...lu. >... 5r'?_7 . Vnh.ftVl . ;md. i'aac . ,ntfd1'lA1" with tit. debt thereby .....unool ;wol lbe .,.,.., lhezeu>. cl....mhal D'I14 .u rlaht. title, GDd _" uJ" Ihc lW&Ianl&luooLl w ....:I "" lbe lcad aDd. property C.oJlVt:yr.d by 1IBIe! Murll:Ull'" ....~ premiHo "-'III ._.. in C.'AkLISUl, (".ounlY uC CUMBERLAND , 1'l:nM3'I""'1ll. GDd IalLOwn lIB: "Lt::UA.\. UESC'RIPTJON ATTAc:HP.D KmtBTO AND MADB A PART HHlU'Ul'" IN WrrN!iliS W1W1.hOF, rh" undCl'Rlpe4 hDs consed tbls 1Dsa>lDWn to b. lilt_in III t1UlUl by 111I c1u1y ..nhnrlmd nfftccr, onlhc 291h day of Jamary . lWlI Tn hRVr. and to hnld UIltO ,'I'll SlU...t".I"..'PO"' "nil ft.~Rir:n" fnrcVCr. lIY- A"1"I:/.'-"/'I" .g__a~-- (AulhnrVad OiI'fiaGr) >>w. 01' CaJll'o...... r'.mIIIQ' of ORANOE au 0112\1/\18 ~lill.lQUIlST MCIIl.TOAOE COMl'ANY ,.---/ ...... '''~'r/ I..v.......... OI'/IG"'. - , bcfoft: me J"i.. liraiio , per.IOIllI\Iy r>ppearecI Bwl>;u" B. Bo~1<in aDd ^_ _cz . pcnoD011y IaIown to me (or prowd to me OIl rh" haIll. of _1I1'lIcI:oIy ev~) "lO be lite paoonC.) wbu... 11IIDIIO(.) lilII.... 8ulm:ri1Jc<JlU Ihc w1lhlD ImIIrWDc:111. lWlI _ecIll"d to ..... lbat Itt:/.""Irbry c_ _ 8...", '" Jriolhn.,.hIIlr mllh(WIoM """""'1)'(1"'>, nnll 'hnr l1y hlRlhcr/th"lr olKftllllUe(s) 011 tIIIIlDa1rumont Ihc _a('>, or !be llIll1.ly upuu bcl1.l1li1' u1' w1lil:l1 I1Iol panuu(.) ...1olLI. "^_ d... A80ill"""",t. (II ,'- '-- : ',r/~lIL..r iLl. linlfo Pwalr..yI_li. ^...aw.lmMat of M~ ""P.L" ~DDSI"AI ~=nI" ~11.atol011 \,1M.. MOlllTQll4ll ~. .,,1..'.........."". Innnln....7l.'., AMlC"~ 6wY.llVlm , J-.-I:r>MM~II~'" ~gb7sm 1.....11 \. _'........._.....n Ul"II'flS_ couMTY . My QQfm"'''''''' r''Wf'III'GD I M^"'""~ . _.-.- . -~ .. ~-= -..- 12/11/..." 14: In FAX' l.canll /VtJC//?~70 -- -' Whc:a rceol'dcd, mnl1 m: AMtiXlQUEST MOIlTO"C1R r.OMPANY 1'.0. BOX 11~07 SANTA ANA. CA ~~'/ll Loon No, 4:Wl101I6- ASSIGNMENT O~ MORTGAGE COMMONWF.AT.TROFPENNSYLYIU\lIA.,- . -/ C":TIMRF.RT.AND C":OTINTY, I FOIl VAJ .T.m RI'IC:RIVED. die lIIIcloo:.iuu"'\ AMBRlOUIlST MOK'J'UAUU c.:UMI',AN" does "......"1 Il..m:, hOrp!D, ..u. .......01)': -IP' aDd .11...... ....... FiI-st IJnIan National Bank, All; lndemure Trustee . - . , ~ J'IIR Vlllnn ~ . 301 SOUIh CoII_ _ . ('~,!'Ie 2821111 (Mn"'t:.!l""> to the ~, which MoripJc is l'CccmIcd In die om.... orm.lI~_nr ~r I '.: CUMBElU.AND Co\W)' of P8mIol'lv....b&, l.u. J~.m... ',,!!) 1.:2. 7 , Vnl",,,,, . aDd Pap , lo,lC'lbor w\'" "'" ""'" mll1'llhlf ..~u."'\ ...Ml II", _lie _ IIr...,..;h<:d ond 11I1 ri~', dde. IIIId IDr8r1IGl of lblt -.mtJPllOd In lIWI lu Llw Iaw.I ...... propr,Tfy r.nnv"l'ed II)' IIDIcl Murliluce, ..lid pR>mi_ boIDg 1iN_ UI (;AJU.JlIL.L;, Cuuulll..r CUMBBIlLAND . l'o:nnllylvDntn. aDd kllOWD lIS' "LUUAI... UI'....c.:..n"MON ATTACHE' HBRBTO AI'lD MADS A ~'AJl'J' H.wU:lUJ'" w..l_&ai.. Mo_._ by EfETTY WYotnRT IN WJ'I'N~ WIIBRBOP. tbt-. n1lttMRt~ hu cauud dills buUrumcullU be ~uLtd 1u.1Lal ww... b.v ;1& d:uJ,. ollthnrimd otncer. on lblt 311th oIo.y or J_y , 11198 Tn hove _ to bold WlCO ._so.. IlIld __ tonw..... .iLaf By: AMBR:IQIIBST MOIlTGAOB COMPANY ATTP.!IT, . ---7. V- y-.------ ny, ~1?..-< .---- . 'lAU~e~":Jl'~ ~=~c7,,- ~i~ ~ - - or c..urundM 0 COUDty aI ORANO!; On 01 /2')/')1\ . _.... .... .u, J'raijo . peroOlllll\y opp......t 2a.-b..,. E. BoykID """ "'...... _ . plnOJlll\l)' kDoWD to me (01' pnIY84 to me CIIl thlJ buw ut IK&I.MHw~&'Y ~) w be- die ~) _.boac 1lUDO(1) :"'11IO .,baorI'boct to tho wld'dn tnArnlmenl and .......nw1cd&od ... me Ibm UllIIIlIIdIey _lIIlI _ _ ill 1allfll",./U..U _t1zed """...Ily(ico), _ _ by hWlwr/lilwk alOUllllwe(s) on _ ................., the I'CI'llOII(o), or tho cm:I~ _ beIUIIf of wb.lah lboo _uta) _. "'NeanI'M die A""tanm.u.. Y' ," r ( , IJ~""'~ IR. Pnl n P..,...,I...... a........... ., M~ 1 18a ~..(~^II."'u,. _1103 .""t:I'l VMr MonTQACC rOr\Mc. (3'1)201 .,00 llillilDI~"':N' AlII"ION_"" c..... 1Nln) J.- . G~:.Y.fI)l18;;J~I.I..I.1 ~ NaIIllY prUnltGo.. oca.hlll..... .. (WIANIU UOUHn' . My ,........,VNU~ aaq,i.IK I M."Y ,. 1089 . -~ .-.-- --- 12/11/03 14:19 FAX 141012 --- .q ........ --.J' ,~:: BV# 140416370 .._ AIIlM! Ull8F01.UCCIDINC DATA Bayview !'in.nr.l.l Tradiq Group, Im:. 2665 S. Baysblm: Driw, SuIte 301 Miami, Florida 33133 Pn:pared By: Paola T. CO!1eS Rctnm to: ASSIGNMENT OF MORTGAGlt (CORPORATE) w..-um4Mr1in. -- .....,......1hI....JG&IQMI...- ...~ .........1AdIor.....ol.....,...........: IbI Ulot...............SW....,.'CbIpI&aL...lbaplunl'lb~ Ihl'" or III)'pndlrlbdLinIlJadI...JllIdcII:,.if......... ................... .......'.....r.......OI\I. KNOW ALL MEN BY 1HESE PRESENTS: That FIRST UNION NATIONAL BANK, AS lNDENTURE TRUSTBE. II corpora1ion existiDg UIIllct lhc laws of the State of NOR:I'H CAR.OLINA. parLy of the lliIst part, In CODBidDratlon of the sum ofTen DoDars aDd othll:r good aDd val1lllble CODSidllraIilm paidby whose poSl ofIice address is: ~ of the sec:ond part, B1 or beCore the _ling aDd ck Ii'Jery of these pxaseots, the rcce.ipt wbcreof is Iu:n:b): ~~.has..emnred. bargained, sold, as~ ~ aDd set over. UId by these pIeImlS cIoes grllM,"balrpiD, sell, asslp, trall6li:r aDd set over WJto the said 'pany Dfilie sCcoDlfputa cr:rtain lndeDture of~,:ed ofTIust referred \0 In the :attached BxIlibit "A" alTllehl'd hemo aDd made a part hereof. i Together with the note(s) or obligationCs) cIcscribed In said MortppIDeed of Trust, aIld the IIIlllICyS due aDd to become due thereon, with Intmesl TO HAVE AND TO HOLD the same unto the saic1party orthe IIllClIIIc1 parL, aDd its assigndomer. IN WITNESS WHEREoF, the said party of the fint: pan bas caused these pre.Illlltl. tll' be sigoecI in its name, and its Clllpc..ate seal to be hereunto affixecI, by its proper offi= t:belelmto dD!y lIUlhnrizcd, this STH day of NOV:BMBER, 1998. STAlE OF MARYLAND COUNTY OF FlU!DERICK The fmqaing instrument was ocJmawJedpd before me \his S1H day of NOVEMBER, 1998 by its VICE PIl~ of FlRST UNION NATIONAL BANK, AS INDENTURE TRUSTllE 011 llelWf of the COIpDIlltion. She is pCl'S<lllllly known to mo or bas produced iclrntitkat:loD. l'IRST UNION NATIONAL BANK, AS JNDIBNTURE TRUSTEE "'u~~ ROBlIN M BELAN CE PRESIDENT 'fb~hCJ'.) ~~, . N01"ARYPUBUC-FREDBRICKCOUNTY,1.1D # ~,.,. "'... \ i ... "OT"~ ... i My ClllIImillion expiru 1110112001 ! ,,1 "': i I>>: - : i sQ;: /0 :~:: i.~~\ <<I_LIC /-":$ 'flI..... .'-"'''~~ ...^: .,~,", "~';~~):~Mfr~~ """IIOI'~ 12/11/03 14:19 FAX -...:~ ........ ~ ~ .' EXHIBIT . A' TO ASSIGNMENT OF MORTAOEIDEED OF TRUST I BAYVlBW LOAN #: 140416370 BORROWER NAME: BETIY WRIGHT CO-BORROWERNAME: DATE OF DOCUMENT: 01/24198 ORIGINAL PRINCIPAL BALANCE: 66,800 ORIGINATOR: AMBRIQUE!ST --.-- ..... . - PROPERTY ADDRESS: 433 NW ST CARLISI.:E, PA 17(,13 I lmCORDATION DATE: INSTRUMENT NUMBER.: BOOK NUMBER: PAGE NUMBER: 141013 '..../ . -.. -.. 12/11/03 14:19 FAX ~014 '- ....,,' '-" .' : BV1\I 140416370 ALLONGB TO NOTB FOR PURPOSES OFFURTHER.BNDORSBMBNT OF THB NOTB BEfIHRED TO mww: BORROWER: BETI'Y WRIGHr co BORROWER: LENDER.; AMERIQUEST DATED: 011241!l8 ORIGINAL PRINCIPAL BALANCE: 66,800 I -..-'. -- PAY TO nm ORDER. OF: WITHotITRECOURSB / FlRST UNION NATIONAL B7l1l'JENTuRE 'I'RUSTI!E By:\Jj~ ROBINM, RRT AN VICE PRESIDENT -'-- 14i 005 12/11/03 14:18 FAX 1:~.~I~ MAL ...... ~J~... ,.,.. P~:l 1\1IJhtFAX ,.".."... (4' 2J 821-7400 Toll ~ ,BOOJ 7iusss Ftllt: f4'2J 821-7447 Toll mil.' 'BOOI 2S:z-r4U Nationa' Real Ellta1:e Information Service. OM fflnpn /fDMJ Plrrllbuff/h. PA 1 s:.POf6.2660 LEGAL DESCRIPTION Order Date: 12/09/97 Trantlmit:ted: 01/26/98 15: 56 order: D-97-078364 CuetOlller No: LG3740 For: AMERIQt7.BST MORTGAGE COMPuY 150 S. WAPER RJ) S'I'B 156 ICING OP PRtJSSIA, PA 151406 Attn:' BILL RE: WRIGHT, BETI'Y J. 433 N WEST ST. CARLISLE, PA 17013 CCMEl1:I1UaAJm COtD1TY UiCJAL DJilSCRXPTIem - ALL THAT CERTAIN LOT OF GRotJIII) S]'!'UATE IN THE BORCroGH OF CULlSE, COmrrY OF CCKBERPIIlID, STATE OF f)JIlIIUlI"n:LVUIA, BOtJIlDBIl AJID DBSCRIBBD M FOLLOWS: ON THE NORTH BY PROPDTY ROlf OR ]!'ORMBRLY OF THE m;IRS OF t'"Im~T.1Z8 SHAPLEY, DECEASED; ON THE EAST BY AN ALLEY; em THE SOlJTH Blr PROPDTY !VOW OR FORMERLY OF GEORGE MCIJITIU; AJID em THE WEST BY m)RTH WEST STRBBT. IliA:n5dDING IN DEPTH A DISTANCB OF 100 PDT FJlQM J.I101lTH WEIST STRBBT TO SAID ALLEY, AND BAVING A FROJl1TAGB em SAID NORTH WBS'1' S~t'RD:T ;aoo PDT, AJID HAVING THBREON EREC'l'SD A FR>>IB mlELLING HOtJSB DOIOl' AS JI1tJMBER 433 J.I1ORTB WEST S'l'REET. ADDRESS: 433 N WEST ST.. ; .. EXHIBIT "D" Document5 / HARVEY, PENNINGTON, CABOT, GRIFFITH & RENNEISEN, LTD. AlTORNEYS AT LAW ELEVEN PENN CENTER, 29TH FI,OOR 1835 MARKET STREET PHILADELPHIA, PENNSYL VANIA 1 'H03.2989 (215) 5634470 FAX: (215) 568-1044 Stephen McNally, EoquUc DUoct 0i0I: (8ll6) 91o-tl4lO8 E-mail: smmally@harvpenn.com August 28, 2003 Via Certified Mail, Return Receipt Requested Receipt No.7002 2030 0006 7166 5319 and Regular Mail Betty Wright 433 NWest Street Carlisle, P A 17013 RE: Interbay Funding, LLC, a Delaware limited IiabilitJ' Company, as Servicer for Wachovia Bank,N,A., as Indenture Trustee Loan No, 0140416370 HPCGR Client Matter No, 73401-228 Validation Notice Pursuant to the Fair Debt Collection Practices Act COMBINED ACT 6/ACT 91 NOTICE TAKE ACTION TO SAVE YOUR H lJ'" FORES Dear Ms. Wright: -" -" r'I l'- -" c::J c::J c::J , " , , , , " , I OFFICIAL USE 1 Postage $ C8I1IfIedFee ) POSlm"" Return Reciept Fee Ie.. (Etldolaenl8lltRequlred) ReetrIo1ecIDel/YeryFee (Endoreement Required) ToI8I PoeIage & Fee8 II c::J m This is an official notice that the mortlZalZe ~ foreclose. SDecific information about the n nJ c::J c::J l'- o W ~'AjjiNO.""""""'r........._.. ............................................ ~s::~~...i.~~~~~~'.o;T 30708,) , The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM iliEMAP) mav be able to helD to save vour home. This-Notice eXDlains how the DrOlZI'anl works. To see ifHEMAP can helD vou must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF TIllS NOTICE. Take this Notice with vou when vou meet with the Counseling Al!encv. The name. address and Dhone munber of Consumer Credit COllnselimz Al!encies servinl! vour County are listed at the end of this Notice. If vou have anv Questions. vou mav call the Pennsvlvania Housinl! Finance Al!encv toll free 1-800-342-2397. (Persons with impaired hearimz can call (717) 780-1869), This Notice contains important legal information. If you have :any questions, representatives at the Consumer Credit Counseling Agency may be able to help ,~xplain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORT ANCIA, PUBS AFECT A SU DERECHO A CONTINUAR VMENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (pENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIDLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUBDE SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): Betty Wright PROPERTY ADDRESS:433 N West Street, Carlisle, PA 170113 LOAN ACCT. NO.: 0140416370 ORIGINAL LENDER: Countrywide Security Corp. CURRENT LENDER/SERVICER: Interbay Funding, LLC, a Delaware limited Iiaiblity company, as servicer for Wachovia Bank, N.A" as Indenture Trustee HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAYBE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR. . HOME FROM FORECLOSURE-AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS 30708.1 IF YOU COMPLY WITH THE PROVISIONS OF THE HOlvIEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT'), YOU MAYBE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: IF YOUR DEF AUL T HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYL VANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT 30 DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF TIllS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO 12AIE. CONSUMER CREDIT COUNSELING AGENCIES --If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the ll~nder may NOT take action against you for thirty (30) days after the date of this meeting. The nam.es and addresses and telephone numbers of desilmated consumer credit counselinl!: lllZencies for the county in which the DroDertv is located are set forth at the end of this Notice. It is onlv necessary to schedule one face-to-face meetinl!:. Advise vour lender immediatelv ofvour intentions. APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later in this Notice (See the following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the dl,signated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY" IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORm IN TIDS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. 30708.1 AGENCY ACTION -- Available funds for emergency mortg,age assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision of your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PORTION OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN AITEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emel1:ency Mortgage Assistance) HOW TO CURE YOUR MORTGAGE DEFAULT (JJrin2 it UD to date). NATURE OF THR DEFAULT --The MORTGAGE debt held by the above lender on your property located at: 433 N West Street, Carlisle, PA 17013 IS SERIOUSLY IN DEF AUL T because: YOU HA VB NOT MADE MONTIIL Y MORTGAGE PAYMENTS for the following months and the following amounts are now past due: 16 Payments in the amount of $1,055.85 Escrow Advances Miscellaneous Fees Late Charges $16,893.60 ( 5/1/02 to 8/1/03 ) $ 2,230.31 $ 185.00 $ 176.52 TOTAL: $19,485.43 *plus your regular monthly payment of 51,055.85 for Septllmber 1, 2003 should payment be made after that date. The payoff amount as of August 28, 2003 is as follows: Principal Balance $62,320.23 Interest* at 12.00% or $3.84 $10,536.39 Late Charges $ 176.52 Escrow Advances $ 2.230.31 TOTAL: $75,263.45 .Interest continues to accrue after August 28, 2003 at 12.00% or $20.49 B. YOU HA VB FAILED TO TAKE THE FOLLOWING ACTION (Do not use ifnot applicable): HOW TO CURE THE DEFAULT --You may cure the default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE 30708.1 LENDER, wmCH IS $19,485.43, PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES wmCH BECOME DUE DURING TIIE TIDRTY (30) DAY PERIOD. Pavments must be made either bv cash cashiers check. certified check olr monev order made payable and sent to: Made payable to: Interbay Funding Send to: Cristina Justo Interbay Funding 4425 Ponce DeLeon Blvd" 5th Floor Coral Gables, FL 33134 You can cure anv other defaultbvtakim! the following action within TIDRTY (30) DAYS of the date of this letter: N/ A IF YOU DO NOT CURE THE DEFAULT--Ifyou do not cure the default within TIllRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balanc:e of the debt will be considered due immediately and you may lose the chance to pay the mortgag'~ in monthly installments. Iffull payment of the total amount past due is not made within TIllRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclo!le upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. Uyou cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES -- The lender may also sue you personally for the unpaid principal balance and all other.sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the TIllRTY (30) period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time one hour before the Sheriffs Sale. You may do so by paying the total amount then past due:, plus any late or other charges then due, reasonable attorney's fees and costs connected with the fioreclosure sale and any other costs connected with the Sheriff's Sale, as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as jjfyou had never defaulted. EARLIEST POSSmLE SHERIFF'S SALE DATE -- It is c:stimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately six (6) months from the date ofthis Notice. A notice of the actual date of the Sheriff's Sale will be 30708.1 TD.SEEK PROTECTION UNDER TIlE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY: SEE ATTACHED LIST Very truly yours, HARVEY, PENNINGTON, CABOT" GRIFFITH & RENNEISEN, LTD, By: SM/rg cc: Cristina Justo, Foreclosure Coordinator 30708.1 r' CRAWFORD COUNTY i Booker T. WasblngtoD CeDter Greater Erie CommDDlty AI:tlOD JObD F. KeDDedy CeDler,IDc. 1720 HollaDd Street Committee 2021 East 20lb Street Erie, P A 16503 18 West 91b Street Erie, PA 16510 (814) 453.5744 Erie. PA 16501 (814) 898.0400 FAX (814) 453.5749 (814) 459.4581 FAX (814) 898-1243 FAX (814) 456.0161 SbeDaDgo Valley UrbaD Leagae,IDc. 60 I IadlaDa A veDue Farrell, PA 16121 (m) 981-5310 CUMBERLAND COUNTY UrbaD League ofMetropoUtaD CCCS of WesterD PeDDsylvaDia, CommDDlty ActloD Comm of Ibe Capttal . Harrisburg IDc. RegloD N. 6th Street 2000 LlngleslowD Road 1514 Deny Streel Harrisburg, PA17101 HlIrrlsburg, PA 17102 Harrisburg, PA 17104 (717) 234-5925 (717) 541-1757 (717) 232.9757 FAX (717) 234-9459 FAX (717) 234.2227 Adams County HousiDg Aulborlty YWCA of Carlisle FlnaDclal CounsellDg Services of 139-143 Carlisle SI. 301 G Street FraDkllD Gettysburg, PA 17325 Carlisle, PA 17013 31 West 3rd Streel (717)334-1518 (717) 243.3818 WaYDesboro, P A 17268 FAX (717) 334-8326 FAX (717) 731.9589 (717) 762.3285 DAUPHIN COUNTY CCCS of Weslern PeDnsylvaDla, IDc. U rbaD League of M etropolllaD Commuuity ActloD CommlssloD 2000 L1nglestowD Road Harrisburg of Ibe Capllal RegloD Harrisburg, PA 17102 2107 N. 61b Street 1514 Deny Street (717) 541-1757 Harrisburg, PA 17101 Harrisburg PA 17104 (717) 234.5925 (717) 232.9757 FAX (717) 234.9459 FAX (717) 234.2227 10 j I H<\RVEY, PENNINGTON, CABOT, GRIFFITH & RENNEISEN, Lm, ATTORNEYS AT LAW ELEVEN PENN CENTER, 29TH FLOOR 1835 MARKET STREET PHILADELPHIA, PENNSYLVANIA 19'103.2989 (215) 563-4470 FAX: (215) 568-1044 \ Steph.. McNI~ly. Eaquirc August 28, 2003 Via Certified Mail, Return Receipt Requested Receipt No.7002 2030 0006 7166 5388 and Regular Mail Betty Wright 433 NWest Street Carlisle, PA 17013 RE: Interbay Funding, LLC, a Delaware limited Iiabilit)' Company, as Servicer for Wachovia Bank,N.A., as Indenture Trustee Loan No. 0140416370 HPCGR Client Matter No. 73401-228 Validation Notice Pursuant to the Fair Debt CoUectiion Practices Act Dear Mrs. Wright: We represent the interest of Inter bay Funding, LLC, a Delaware limited liability company, as servicer for Wachovia Bank, N.A., as Indenture Trustee ("Current Lender/Servicer") whose address is 433 NW Street, Carlisle, P A 17013, in connection with the above-referenced matter, involving your residential mortgage. This creditor has advised us that the facts and circumstances attendant to this mortgage are as follows. On or about January 24,1998, you borrowed the original principal amount of $66,800.00 (the "Loan") from Countrywide Security Corporation ("Original Lender"). As evidence of your obligation to repay the Loan, you executed and delivered to the: Original Lender a Note and Mortgage (the "Contract") against your Real Property located a.t 433N West Street, Carlisle, P A 17013 (hereinafter the "Property"). Current LenderlServicer has advised us that you have ceased making the regular monthly payments due under the Contract, and that the first such missedl payment now due is that which came due on May 1,2002. As a consequence, the Contract is in default. The outstanding principal loan balance with respect to the Loarl, as of August 28, 2003, was $62,320.23. Interest is accruing on the unpaid balance at the rate of 12.00% per annum, or $20.49 per day. The total amount of the arrearages, or the delinquency resulting from missed payments with respect to this Loan is approximately $19,485.43. Includcld within this amount are the - monthly installment payments of principal, interest and/or escrow due under the Loan in the amount of$I,055.85, multiplied by 16 months, including the payments due for through and including August 28,2003 with the total of the missed payments being $16,893.60, escrow advances of$2,230.31, Miscellaneous Fees of$185.00, and late charges in the amount of $176.52. In addition, you may be responsible for reimbursing Current Lender/Servicer for certain of its reasonable attorney's fees and costs in connection with this matter. If you feel that the above amount is not a true amount of yOUI' debt, or if you feel that you do not owe the debt or that amount, you should get in touch with me. If you notifY me in writing within 30 days after you receive this notice that you dispute thel validity of the debt (or any part of it), we will obtain any necessary additional certification of tJ~e debt, or a copy of any judgment that has been entered against you, and we will mail you a copy of such verification or a copy of any judgment. Also, upon your written request within the 30 day period, we will gladly furnish you with the name and address of the original creditor, if it is different from the one shown above. Notice is hereby given that unless you do dispute the validity of the above debt (or any part of it) within 30 days after you receive this notice, we will assume that the debt is your just and honest debt. Very truly yours, ~LLY,ESQUIRE HARVEY, P lGTON, CABOT, GRIFFITH & RENNEISEN, LTD. YOU ARE HEREBY ADVISED PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT THAT THIS FIRM MAY BE DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. SM/rg cc: Cristina Justo, Foreclosure Coordinator 30708.1 HARVEY, PENNINGTON, CABOT, GRIFFITH & RENNEISEN, LTD, Robert J. Murtaugh, Esquire Pa. ill No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Telecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Trustee W ACHOVIA BANK, N,A., as Indenture Trustee: IN THE COURT OF COMMON PLEAS c/o InterbayFunding, LLC : CUMBERLAND COUNTY, PA 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 Plaintiff, : CIVIL ACTION - EQUITY : MORTGAGE FORECLOSURE v. UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED 433 North West Street Carlisle, P A 17013 Docket No. 04-696 Civil Term Defendant( s). AFFIDAVIT STATE OF FLORIDA :ss. COUNTY OF BEFORE ME, the undersigned authority, a Notary Public in and for said State and County, personally appeared Kathleen M. Sovic, Attorney..in-Fact ofWachovia Bank, N.A., as Trustee, successor by merger to First Union National Bank as Vice President ofInterbay Funding, L.L.C., whose identity as such officer was known to me or established to my satisfaction, and who, after having been duly sworn according to law, deposes and says as follows: 1. I am over eighteen (18) years of age, and am currently employed by Interbay Funding, L.L.C., in the capacity set forth above, and as such am duly authorized to make this Affidavit on its behalf. 2. As such Officer, I have responsibility for handling the files and litigation concerning the loan documents and collateral described in the foregoing Complaint in Mortgage Foreclosure, and am fully familiar with the facts therein described. 680776_1 3. The facts set forth in the foregoing Amended Complaint in Mortgage Foreclosure are true and correct to the best of my knowledge, information and belief. 4, The documents attached as Exhibits "A" through "D" to the foregoing Amended Complaint in Mortgage Foreclosure are true and correct copies of the originals. 5. I make this Affidavit on behalf of the Plaintiff, on the basis of my own knowledge, and I hereby acknowledge that the statements contained herein are made subject to the penalties for perjury pursuant to 18 Pa.C.S.A. ~ 4901 et seq., and/or false swe:aring before notaries public pursuant to 18 Pa.C.S.A. ~ 4903, and/or for unsworn verification to authorities pursuant to 18 Pa.C.S.A. ~ 4904, as applicable, and am aware that if any of the statements I have made herein are willfully false, that I am subject to such penalties. W ACHOVIA BANK, N. Trustee l By: Date: IAOicXL/1 c{JooV ~ SWORN T and ~PBSCRIBED befo e , thi L!tiJ day of ,2 MAY NOLAN Notary Public, Slate of Florida My Com~. Exp. April 3, 2006 Cl>"'t1'\I.",bO Nt:), 001 (l5522 680776_1 (J '" 0 c.-::> c- ': " ~- -j :r :-.'" rnl'1 -< ,- -'-,f'7l f\..) -tJ~ -J C)( t"J :T:'~n ::-..: ~',~ ,~~j ;> n i'n ",J u .'1 '" C..) ~'7 <::) -< SHERIFF'S RETURN - REGULAR CASE NO: 2004-00696 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WACHOVIA BANK NA VS WRIGHT BETTY 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 WRIGHT BETTY UNKNOWN HEIRS AT LAW OF THE ESTATE the DEFENDANT , at 1954:00 HOURS, on the 28th day of May , 2004 at 433 NORTH WEST STREET CARLISLE, PA 17013 by handing to CHARLES WRIGHT, 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 Service Affidavit Surcharge 18.00 3.45 .00 10.00 .00 31.45 So ;:;~~ R. Thomas Kline 06/01/2004 HARVEY PENNINGTON CABOT GRIFFI Sworn and Subscribed to before By: /4sf:Ir:u 2 me this 3.M......... day of ~ ~CO'-( A.D. Ct,~p,Q~~ 7Pfothonotary , HARVEY. PENNINGTON, LTD, Robert J. Murtaugh, Esquire Pa. ill No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Telecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Trustee W ACHOVIA BANK, N,A., as Indenture Trustee: IN THE COURT OF COMMON PLEAS c/o Interbay Funding, LLC : CUMBERLAND COUNTY, P A 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 Plaintiff, : CIVIL ACTION - EQUITY : MORTGAGE FORECLOSURE v. UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED : Docket No. 04-696 Civil Term 433 North West Street Carlisle, P A 17013 Defendant(s). MOTION FOR SERVICE OF PROCESS PURSUANT TO SPECIAL ORDER OF COURT Plaintiff, by and through its undersigned counse:1 and pursuant to Pa.R.C.P. Nos. 430(a) and 410(c) hereby moves for service pursuant to speciall order of court and in support thereof, avers as follows: 1. Plaintiff, Wachovia Bank, N.A., as Indenture Trustee (hereinafter "Plaintiff') commenced this action as ofthe above court term ,md number to foreclose and sell the real property located at 433 North West Street, Carlisle, PA 17013. 2. On June 16, 2004, the Sheriff of Cumberland County attempted service of the Amended Complaint in Mortgage Foreclosure (hereinafter lthe "Complaint") at the Defendants address and, no person answered the door. A true ,md correct copy of the Affidavit of Service of the Complaint is attached hereto, made a part hemofand marked Exhibit "A". 682149~1 3. Plaintiff was advised that Betty Wright departed this life as of October 21, 2002. Plaintiff conducted a search with the Social Security Death Index to confirm that the Defendant, Betty Wright was deceased. A true and correct copy ofthe Social Security Death Index Search is attached hereto, made a part hereof and marked Exhibit "B". 4. Plaintiff conducted a search for Heirs of the Estate of Betty Wright with the Cumberland County Office ofthe Register of Wills which proved to be unsuccessful as the Estate has not been probated. A true and correct copy of the Register of Wills Letter is attached hereto, made a part hereof and marked Exhibit "C". 5. Plaintiff made an inquiry with postal authorities for a current address of the Defendants, Unknown Heirs of the Estate of Betty Wright, Deceased, and found that the Defendants current address is 433 North West Street, Carlisle, PA 17013. A true and correct copy of the postal inquiry is attached hereto, made a part hereof and marked Exhibit "D". WHEREFORE, Plaintiff moves for entry of an order allowing service of the Amended Complaint in Mortgage Foreclosure by posting a copy on the most public part of the premises located at 433 North West Street, Carlisle, PA 17013 and by publication as provided by Pa.R.C.P. No. 430(b)(1) with service to be complete upon posting or publication, whichever is later. /} HARVEY . PEN~UNGTON,.LTD, By: Date: July J 3 , 2004 682149_1 EXHIBIT "A" DocumentS . From: 07/15/2004 08:17 #163 P.OO2/003 SHERIFF I S RETURN - NOT SERVED CASE NO: 2004-00696 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND WACHOVIA BANK NA VS WRIGHT BETTY R, Thomas Kline , Sheriff I who being duly sworn according to law, says, that he made a dil:igent search ancl inquiry for the within named DEFENDANT , to wit: WRIGHT BETTY but was unable to locate ~ in his bailiwick. H'~ therefore return,s the COMPLAINT - MORT FORE - NOT SERVED , as to the within named DEFENDANT , WRIGHT BI~'I'TY 433 NORTH WEST STREET CARLISLE, PA 17013 BETTY WRIGHT PASSED AWAY 10/21/02, 18.00 3.45 .00 10.00 .00 31. 4S so~~__::---:~'~_ R. Thomas ~ Sheriff of CUmberlancl County HARVEY PENNINGTON CABOT GRIFFI 02/27/2004 ,.M~ Sheriff's Costs: Docketing Service Affidavit Surcharge ." Sworn and subscribed to before me this day of A.D. Prothonotary EXHIBIT "B" DocumentS Social Security Death Index Search Results Page 1 of~ Roots Web. com The oIdf'5tandlargest FREE geneology site, supported b~conr Home I Searches I Family Trees I Mailing lists I Message Boards I Web Sites I Passwords I Help I Ancestor Search: Having trouble finding your Ancestors? Try an Ancestry.com quick search: First Name: Last Name: U)cation: Any I Search I Social Security Death Index S,earch Results 72,265,659 Records - Updated through January 2004 "2 The key to your research -Join Ancestry.com Today! The most full-featured SSDI search engim: on the internet IField IIValue IIRecordsllResultsl ILastNamellWRIGHTII128481 111284811 IFirst Namell BETTY 1120634~1 426 I Results 41 thru 50 of 426 Name IBirtbllneatbl Last Last ISSN IIIssued I~IS I Order Residence Benefit Record? BETTY 30 29 01730 179- SS-~;Letter G L Jan Sep (Bedford, (none 24- Pennsylvania Add Post-em Middlesex. specified) WRIGHT 1930 1993 MA) 6613 Search Ancestry.com 31 18 15088 (West 181- SS-5 Letter G BETTY J Oct Jan Elizabeth, (none 12- Pennsylvania Add Post-em, WRIGHT 1921 2004 Allegheny. specified) 3246 Search Ancestry.com (V) PA) BETTY 31 03 Jul 17044 (none 182- SS-5 Letter 0 P Jul (Lewistown, 14- Pennsylvania Add Post-em WRIGHT 1920 1992 Mifflin,pM specified) 8314 Se,arch,Ancestry .com v..... 21 17u13 13 184- SS.5 Letter BETTY J Aug Oct (Carlisle, (none 38- Pennsylvania Add Post-em [2]1 WRIGHT 1946 2002 Cumberland, specified) 0435 Searl:h Ancestry.com 9) 1'- (V) PA) 30 15237 (none ~ BETTY 14 Dee (Pittsburgh, specified) 187- Pennsylvania ISS-5 Letter 0 May 1996 Allel;!heny. 20- Add Post-em http://ssdi.rootsweb.com!cgi-binlssdi.cgi?lastname=Wright&firstname=Betty&middlename=&ssn=&zip=&s... 5/11/2004 EXHIBIT "C" DocumentS "1" HARVEY, PENNINGTON, CABOT, GRIFFITH & RENNEISEN, LTD, ATTORNEYS AT LAW Robert J. Murtaugh Direct Dial. 215-575~150 Direct Fax. 215-496-4852 E-mail .RMURTAUGH@HARVPENN.COM 29th Floor 1835 Market Street Philadelphia. PA 19103-2989 (215) 563-4470 Fax (215) 568-1044 www.harvpenn.com May 12,2004 Office of the Register of Wills Cumberland County Courthouse One Courthouse Square Carlisle, PA 17013 Re: Wachovia Bank, N.A., as Indenture Trustee v. Betty Wright Cumberland County C.C.P. No. 04-696 Civil Term Property Address: 433 North West Street, Carlisle, PA 17013 Betty 1. Wright Social Security Number: 184--38-0435 Date of Death: October 21, 2002 HPCG&R File No. 73401.00228 . "J=n_u+ UJJ . ,-J(LQ) '--Ptubc3:x lJJJtrJ:t Dear Slr/Madam: _._~ ~. Please be advised our office represents the Plamtiff, Wachovia Bank, N.A., as Indenture Trustee, in a mortgage foreclosure action filed in connection with the above matter. At your earliest convenience, kindly provide our office with copies of the Letters > of Administration for the Estate of Betty J. Wright, Deceased, who departed this life on October 21, 2002. Enclosed please find check number 703119 in the araount of $2.00 representing payment for copy fees. Very truly yours, '. / .-:' " '.~ -,'! - I \9I>tJJt~ lJ\j'J{\ Aarienne McClinton, P'afalegal For: Robert J. Mw~augh, Esquire HARVEY, PENNINGTON, <;:AfiOT, , GRIFFITH & RENNElS EN, LTD. E: RJM/amm Enclosure vc 679638_1 Bryn Mawr, PA Cherry Hill, NJ New York, NY Ptttsborgh. PA San Frandsco, CA < ~iVtIminswn, DE " HARVEY. PENNINGTON, LTD. Robert J. Murtaugh, Esquire Pa. ill No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Te1ecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Tmstee W ACHOVIA BANK, N.A" as Indenture Trustee: IN THE COURT OF COMMON PLEAS c/o Interbay Funding, LLC : CUMBERLAND COUNTY, PA 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 Plaintiff, : CIVIL ACTION - EQUITY : MORTGAGE FORECLOSURE v. UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED : Docket No. 04-696 Civil Term 433 North West Street Carlisle, P A 170 I 3 Defendant(s). MOTION FOR SERVICE OF PROCESS PURSUANT TO SPECIAL ORDER OF COURT Plaintiff, by and through its undersigned counsel and pursuant to Pa.R.C.P. Nos. 430(a) and 410(c) hereby moves for service pursuant to special order of court and in support thereof, avers as follows: 1. Plaintiff, Wachovia Bank, N.A., as Indenture Tmstee (hereinafter "Plaintiff') commenced this action as of the above court term and number to foreclose and sell the real property located at 433 North West Street, Carlisle, PA 17013. 2. On June 16, 2004, the Sheriff of Cumberland County attempted service of the Amended Complaint in Mortgage Foreclosure (hereinafter th'l "Complaint") at the Defendants address and, no person answered the door. A true and correct copy of the Affidavit of Service of the Complaint is attached hereto, made a part hereof and marked Exhibit "A". 682149_1 3. Plaintiff was advised that Betty Wright departed this life as of October 21, 2002. Plaintiff conducted a search with the Social Security Dl~ath Index to confirm that the Defendant, Betty Wright was deceased. A true and correct copy ofthe Social Security Death Index Search is attached hereto, made a part hereof and marked Exhibit "B". 4. Plaintiff conducted a search for Heirs ofthe Estate of Betty Wright with the Cumberland County Office of the Register of Wills which proved to be unsuccessful as the Estate has not been probated. A true and correct copy of the RI~gister of Wills Letter is attached hereto, made a part hereof and marked Exhibit "C". 5. Plaintiff made an inquiry with postal authorities for a current address of the Defendants, Unknown Heirs of the Estate of Betty Wright, Deceased, and found that the Defendants current address is 433 North West Street, Carlisle, PA 17013. A true and correct copy of the postal inquiry is attached hereto, made a part hereof and marked Exhibit "D". WHEREFORE, Plaintiff moves for entry of an order allowing service of the Amended Complaint in Mortgage Foreclosure by posting a copy on the most public part of the premises located at 433 North West Street, Carlisle, PA 17013 and by publication as provided by Pa.R.C.P. No. 430(b)(I) with service to be complete upon posting or publication, whichever is later. /", HARVEY . PE~rINGTON,.LTD, By: Date: July J 3 , 2004 682149_1 EXHIBIT "A" DocumentS . From: 07/15/2004 08: 17 #163 P .002/003 SHERIFF'S RETURN - NO!' SERVED CASE NO: 2004-00696 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAm) WACHOVIA EANK NA VS WRIGHT BETTY R. Thomas Kline , Sheriff -' who being duly sworn according to law, says, that he made a dilj.gent search ami inquiry for the within named DEFENDANT , to wit: WRIGHT EETTY but was unable to locate ~ in his bailiwick. He therefore retu~s the COMPLAINT - MORT FORE - NOT SERVED , as to the within named DEFENDANT , WRIGHT EE~rTY 433 NORTH WEST STREET CARLISLE, PA 17013 BETTY WRIGHT PASSED AWAY 10/21/02. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 3.45 .00 10,00 ,00 31.45 So answ~~ 5'~~ ..-:-_.._-_._~.. ._ ~::::-~~ -'"' ~:.---~~- . R. Thomas K . e Sheriff of C~~erland County HARVEY PENNINGTON CABOT GRIFFI 02/27/2004 ....- Sworn and subscribed to before me this day of A.D. Prothonotary EXHIBIT "B" DocumentS Social Security Death Index Search Results Roots Web. com TheoJdffi ondlorgesl' FREE genealogy site, supportPd b~conr Home I Searches I Family Trees I Mailing Lists I Message Boards I Web Sites I Passwords I Help I Page I of: Ancestor Search: Having trouble finding your Ancestors? Try an Ancestry.com Quick search: First Name: Last Name: Location: Any I Search I Social Security Death Index SI~arch Results 72,265,659 Records - Updated through January 2004 '2 The key to your research I'Join Ancestry.com Today! The most full-featured SSDI search engine on the internet IField 1jV;lue IIRecordsllResults/ ILast Namel'WRIGHTI/ 12848111128481/ IFirst Namell BETTY 1120634~1 426 I Results 41 thru 50 of 426 Name IBirthllDeathl Last ~::~fit ISSN IIIssued IITOOIS I Order Residence Record? BETTY 30 29 01730 179- SS-5 Letter 0 L Jan Sep (Bedford, (non.~ d) 24- Pennsylvania Add P~~st-~m WRIGHT 1930 1993 Middlesex. specl !e MA) 6613 Search Ancestry.com 31 18 15088 (West 181- SS-5 Letter G BETTY J Oct Jan Elizabeth, (none ~_ WRIGHT 2004 Allel;heny. 'fi d) 12- Pennsylvania Add PoOst-em 192] spec! Ie __'__ (V) PA) 3246 Search Ancestry.com BETTY 3] 03 Jul 17044 182- SS-5 Letter 0 P Ju! (Lewistown, (none . 1992 'fi d) 14- Pennsylvama Add Post-em WRIGHT 1920 Mifflin,PA) spec! Ie 8314 S_eJ!I'.c_hAnc~com v~ 21 I?vu 13 184- SS-5 Letter BETTY J Aug Oct (Carlisle, (none 38- Pennsylvania Add Post-em ~ WRIGHT 1946 2002 Cwnberland. specified) 0435 Search Ancestry.com -" (V) PA.) ...J 30 15237 (none BETTY 14 Dec (Pittsburgh, specified) 187- Pennsylvani~ ss-,~ g I 0 May 1996 Allegheny. 20- Add Post-em http://ssdi.roolsweb.com!cgi-binlSSdi.cgi?lastname=Wright&firstname=Betty&middlename=&ssn=&zip=&s... 5/11/2004 EXHIBIT "C" DocumentS ~ HARVEY, PENNINGTON, CABOT, GRIFFITH & RENNEISEN, LTD, ATTORNEYS AT LAW Robert J. Murtaugh Direct Dial. 215-575-4150 Direct Fax 215-498-4852 E-mail: RMURTAUGH@HARVPENN.COM 29lh Floor 1835 Market Street Philadelphia, PA 19103.2989 (215) 563-4470 Fax (215) 568-1044 www.harvpenn.com May 12, 2004 Office of the Register of Wills Cumberland County Courthouse One Courthouse Square Carlisle, PA 17013 Re: Wachovia Bank, N.A., as Indenture Trustee v. Betty Wright Cumberland County C.c.P. No. 04-696 Civil Term Property Address: 433 North West Street, Carlisle, PA 17013 Betty J. Wright Social Security Number: 184-38-0435 Date of Death: October 21, 2002 HPCG&R File No. 73401.00228 ,-,*=ru/\+ eM ~r(LQ)~ob~ wfff:1t DearSir/Madam: .__~ ~" Please be advised our office represents the PlamtJifT, Wachovia Bank, N.A., as Indenture Trustee, in a mortgage foreclosure action filed in connection with the above matter. At your earliest convenience, kindly provide our office with copies of the Letters ^ of Administration for the Estate of Betty 1. Wright, Deceased, who departed this life on October 21,2002. Enclosed please find check number 703119 in the amount of$2.00 representing payment for copy fees, Very truly_yours, _ , ,/ " .-, . ,.- -,:! I \91:tu&,~ L(~'\.~\ Aorienne McClinton, P'afalegal For: Robert J. Murtaugh, Esquire HARVEY, PENNINGTON, CABOT, . GRIFFITH & RENNElS EN, LTD. ~: RJM/amm Enclosure v.: 679638_1 8ryn Mawr, PA CIIelT}' 1IllJ, NJ New York, NY Pittsburgh, PA San Frandsco, CA < "Wlimlngtoo, DE " JUL 2 7 2004 f HARVEY. PENNINGTON, LTD. Robert J. Murtaugh, Esquire Pa. ill No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Telecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Trustee W ACHOVIA BANK, N.A" as Indenture Trustee: IN THE COURT OF COMMON PLEAS c/o Interbay Funding, LLC ; CUMBERLAND COUNTY, P A 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 : CNIL ACTION _ EQUITY Plaintiff, ; MORTGAGE FORECLOSURE v. UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED : Docket No. 04-696 Civil Term 433 North West Street Carlisle, P A 17013 Defendant( s). PLAINTIFF'S AFFIDAVIT IN SUPPORT OF MOTION I~OR SERVICE OF PROCESS PURSUANT TO SPECIAL ORDER OF COURT COMMONWEALTH OF PENNSYLVANIA COUNTY OF PHILADELPHIA :SS Robert J. Murtaugh, Esquire, being duly sworn a(:cording to law, deposes and says: 1. That I am a partner at the law firm of Harvey, Pennington Ltd., the attorneys for Plaintiff in this action. 2. As such, I was responsible for making inquiries to determine the whereabouts ofthe Defendant( s) in this matter. 3. I made inquiries ofthe United States Postal Service. 682149_1 4. From the aforesaid searches, I was unable to ascertain the names or addresses for the heirs of the estate of decedent, however, it appears that the property is occupied and that service as requested in the Motion will likely give actual notice to any heirs who have an interest in the property. I certify that the foregoing statement~'1 true arid correct to the best of my , / knowledge, information and belief. ./../ /1 . 'I' / ,l , /tU()l~ fL(iJtttI bert J. Mucta , Fsquire Date: July d), 2004 SWORN TO AND SUBSCRIBED before me this .;? -3 day of ~ ,2004 Not~, !JJ, 1L~s -0 My ComrmsslOn End' NOTARIAL SEAL NANCY M, HOUCK, Notary Public City of Philadelphia, Phlla. County M Commission Ex Ire$ Nov. 15, 2004 682149_1 HARVEY. PENNINGTON, LTD. Robert J. Murtaugh, Esquire Pa. ill No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Telecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Tmstee W ACHOVIA BANK, N.A" as Indenture Trustee: c/o Interbay Funding, LLC 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PA Plaintiff, CIVIL ACTION - EQUITY : MORTGAGE FORECLOSURE v. UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED 433 North West Street Carlisle, PA 17013 Docket No. 04-696 Civil Term Defendant(s). MEMORANDUM OF LAW IN SUPPORT OF PLAINTIF'F'S MOTION FOR SERVICE OF PROCESS PURSUANT TO SPECIAL ORDER OF COURT The Pennsylvania Rules of Civil Procedure provide for service pursuant to special order of court if service cannot be made under the applicable rule. Pa.R.C,P. No. 430(a), Plaintiff has been unable to obtain service upon the Defendant(s) in accordance with the applicable rule because Defendant(s) is deceased with no known heirs at law. Plaintiffs Motion and supporting Affidavit verify that Plaintiff has made a reasonable investigation to determine the present whereabouts of the Defendant(s) and that no heirs have been found. The address where service was attempted is the last known address (If the Defendant(s) and the alternate methods of service requested by Plaintiff are reasonably calculated to give Defendant( s) actual notice of these proceedings. For all of the foregoing reasons, Plaintiff respectfully requests entry of an order in a form substantially the same as attached to its Motion. 682149_1 Respectfully submitted: By: Date: July A, 2004 682149_1 VERIFICATION I, Robert J. Murtaugh, Esquire, of the law firm, Harvey, Pennington Ltd., as counsel for the Plaintiff, Wachovia Bank, N.A., as Indenture Trustee herby verify that I am eighteen (18) years of age and am authorized to make this verification. I hereby verify that the averments contained in the foregoing Motion for Service of Process Pursuant to Special Order of Court are true and correct to the best of my knowledge, information and belief. I understand that false statements made herein are subject to the penalties of 18 Pa.C.S.A. ~4904 relating to unsworn falsification to authorities. Date: July ~, 2004 682149_1 By: jj HARVEY + PENNINGTON, LTD. Robert J. Murtaugh, Esquire Pa. ID No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Te1ecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Trustee W ACHOVIA BANK, N.A" as Indenture Trustee: c/o Interbay Funding, LLC 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PA Plaintiff, : CIVIL ACTION - EQUITY : MORTGAGE FORECLOSURE v, UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED : Docket No. 04-696 Civil Term 433 North West Street Carlisle, P A 17013 Defendant( s). CERTIFICATE OF SERVICE Robert J. Murtaugh, Esquire, attorney for Plaintiff, hereby certifies that true, correct and complete copies of Plaintiff s Motion for Service Pursuant to Special Order of Court, together with the Memorandum of Law and Supporting Affidavit were served upon the following parties by first class mail, postage prepaid on July ---'~ 2004: Unknown Heirs at Law ofth~ Estate of Betty Wright, Deceased 433 North West Street Carlisle, P A 17013 682149_1 Date: July 2L, 2004 682149_1 By: If' JUl 2 7 2004 f.' HARVEY. PENNINGTON, LTD. Robert J. Murtaugh, Esquire Pa. ID No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Telecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Tmstee W ACHOVIA BANK, N,A., as Indenture Trustee: IN THE COURT OF COMMON PLEAS c/o Interbay Funding, LLC CUMBERLAND COUNTY, PA 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 Plaintiff, CIVIL ACTION - EQUITY : MORTGAGE FORECLOSURE v. UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED 433 North West Street Carlisle, P A 17013 Docket No. 04-696 Civil Term Defendant( s). ORDER AND NOW this :l...J day of /Ju1~"y' , 2004, upon consideration of Plaintiffs Motion for Service Pursuant to Spf:cial Order of Court and the Affidavit of Plaintiff and Memorandum of Law in support thereof, and for good cause shown, it IS ORDERED and DECREED that service ofthe Amended Complaint in Mortgage Foreclosure in this action may be made upon the Defendant(s), Unknown Heirs at Law of the Estate of Betty Wright, Deceased, by posting a copy ofthe Amended Complaint in Mortgage Foreclosure on the most public part of the premises located at 433 North West Street, Carlisle, PA 17013 and by publication as provided by Pa.R.C.P. No. 430(b)(1). Service shall be deemed complete upon posting or publication, whichever is later; and 682149_1 4"; cJ) ~ Cl <:,J..,. 6 I- :,~~) ::!":'- uJO - t) .0;" -, ~ i ()A,' (0 :a " .':\~~\ t:c O"~ N ;j) ':<:I b~ I (). \ ...._" ~ ~u.) ~.9 ,.../- ~ ~l 'I.:,) ~ ..i.10- 0 ,g;, 2~. "" ~ '~:) ~ 0 ct- -pt . ~ , IT IS FURTHER ORDERED that all future notices in this action which may be required to be served upon the Defendant(s), Unknown Heirs at Law ofthe Estate of Betty Wright, Deceased, may be served by Plaintiff by certified mail and regular mail without further application to the Court at 433 North West Street, Carlisle, PA 17013. BY THE COURT: /l.J J. 682149_1 HARVEY. PENNINGTON, LTD, Robert J. Murtaugh, Esquire Pa. ID No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Telecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Trustee W ACHOVIA BANK, N.A" as Indenture Trustee: IN THE COURT OF COMMON PLEAS c/o InterbayFunding, LLC : CUMBERLAND COUNTY, PA 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 Plaintiff, : CIVIL ACTION - EQUITY : MORTGAGE FORECLOSURE v. UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED : Docket No. 04-696 Civil Term 433 North West Street Carlisle, P A 17013 Defendant( s). PRAECIPE TO REINSTATE COMPLAINT IN MORTGAGE FORECLOSURE TO THE PROTHONOTARY: Kindly reinstate the above-captioned Amended Complaint in Mortgage Foreclosure which was filed on May 27, 2004. HARVEV,6' NINGTON, LTD. t/ By: Date: August 5, 2004 689494_1 \S) ", ec> = -'='" :tft> C~. <75 , {J'\ CJ -n --1 :.1.':: !'I t"llr= \:/rn ~!,~C' , (".1. ~j" I .).. :.(i ~,'?("5 cjrn ~-.i ::D :-,..:, ::it.: ~? Go) c..J -'.:: SHERIFF'S RETURN - REGULAR CASE NO: 2004-00696 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WACHOVIA BANK NA VS WRIGHT BETTY SHANNON SHERTZER , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon the WRIGHT BETTY UNKNOWN HEIRS AT LAW OF THE ESTATE DEFENDANT , at 1810:00 HOURS, on the 12th day of Auqust , 2004 at 433 NORTH WEST STREET CARLISLE, PA 17013 POSTED PROPERTY AT by handing to 433 N WEST STREET CARLISLE a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Posting Surcharge 18.00 3.70 6.00 10.00 .00 37.70 Sworn and Subscribed to before me this ..,/~ day of ~~. .2/}C!'! Lhu- f2 ~ ~ Prothonotary } A.D. So Answers: .r~~~.; , .. R. Thomas Kline 08/13/2004 HARVEY ~ENNINGTON . ?}J-' By. c:;L~ k: y " Deputy Sheri HARVEY, PENNINGTON LTD. Robert J. Murtaugh, Esquire Pa. ill No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Telecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Trustee W ACHOVIA BANK, N.A., as Indenture Trustee: IN THE COURT OF COMMON PLEAS c/o Interbay Funding, LLC : CUMBERLAND COUNTY, PA 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 Plaintiff, : CIVIL ACTION - EQUITY : MORTGAGE FORECLOSURE v. UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED : Docket No. 04-696 Civil Term 433 North West Street Carlisle, PA 17013 Defendant(s). PRAECIPE PURSUANT TO PA,R.CIV,P, RULE 1037(a) TO ENTER JUDGMENT BY DEFAULT AND FOR ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Please enter a Judgment, by Default, in favor of the Plaintiff, Wachovia Bank as Indenture Trustee. and against the Defendants, Unknown Heirs at Law of the Estate of Betty Wright, Deceased, pursuant to Pa.R.Civ.P. Rule 1037(a), for their failure to file an answer or other response to the Amended Complaint which has been filed against and served upon them in connection with the above-captioned matter, based upon the attached Certification of Counsel, for the amount due under the subject loan, and assess damages as follows: Principal balance: Accrued Interest to 08-28-2003: Late Charges: Escrow Advances Attorneys' Fees: Court Costs: Title Report Expense: TOTAL REAL DEBT: $62,320.23 10,536.39 176.52 2,230.31 1,300.00 150.50 350.00 $77,063.95 692960_' Plus additional interest accruing after August 28, 2003 at the rate of 12.00% per annum, or $20.49 per diem, together with any other charges or costs collectible under the Mortgage, including reasonable attorney's fees and costs. Respectfully submitted, HARVEY +.PJ'NNINGTON LTD. By:. 1ilttlj/t~~ / /Robert J. ~~ug}{, EsqUIre v Pa. ill No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Facsimile: (215) 568-1044 Attorneys for Plaintiff Dated: October 4, 2004 692960_1 HARVEY, PENNINGTON LTD. Robert J. Murtaugh, Esquire Pa. ill No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Telecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Trustee W ACHOVlA BANK. N.A" as Indenture Trustee: IN THE COURT OF COMMON PLEAS c/o Interbay Funding, LLC : CUMBERLAND COUNTY, P A 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 Plaintiff, : CNIL ACTION - EQUITY : MORTGAGE FORECLOSURE v. UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED : Docket No. 04-696 Civil Term 433 North West Street Carlisle,PA 17013 Defendant(s). CERTIFICATION OF COUNSEL PURSUANT TO PA,R.CIV.P. RULE 237.1 IN SUPPORT OF PRAECIPE PURSUANT TO PA.R.CIV,P, RULE 1037(a) TO ENTER JUDGMENT BY DEFAULT AND FOR ASSESSMENT OF DAMAGES NOW COMES the undersigned counsel of record for Wachovia Bank as Indenture Trustee and pursuant to Pa.R.Civ.P. Rule 237.1 files the following Certification in Support of its Praecipe to Enter Judgment by Default: 1. On February 18, 2004 Plaintiff commenced the above-captioned action by filing a Complaint against the Defendants, which was duly endorsed with a Notice to Defend (the "Complaint"). An Amended Complaint was filed with the Court on May 27, 2004 ("Amended Complaint"). 2. On August 12,2004 the Amended Complaint was served upon the Defendants, Unknown Heirs at Law of the Estate of Betty Wright, Deceased, by having the Sheriff of Cumberland County post a true and correct copy upon the Defendant's Property located at 433 North West Street, Carlisle, PA 17013 per the Order for Substituted Service filed on August 2, 2004, as appears from the Affidavit of Service, a true and correct copy of which is attached hereto and marked Exhibit "A". 692960_1 3. On August 19,2004, as per the Order for Substituted Service, the Plaintiff filed a Legal Notice in Cumberland County's local newspaper, The Sentinel, to notify the Unknown Heirs at Law of the Estate of Betty Wright, Deceased of the Foreclosure Action. A true and correct copy of the Certification of Publication is attached hereto, made a part hereof and marked Exhibit "B". 4. On September 20, 2004, after the Defendants failed to file an answer or any response to the Amended Complaint, I served the Defendants, in accordance with Rule 237. 1 (a)(2)(ii), a Rule 237.5 Notice of Intent to File Praecipe to Enter Judgment by Default, by certificate of mailing via regular mail and a true and correct copy of which is attached hereto as Exhibit "C". 5. As of this date, Defendants still have not filed any answer or other response to the Amended Complaint. 6. I make this Certification on the basis of my own knowledge, and subject to the penalties for peIjury pursuant to 18 Pa.C.S.A. Section 4901 et sea., and false swearing before notaries public pursuant to 18 Pa.C.S.A. Section 4903, and/or unsworn verification to authorities pursuant to 18 Pa.C.S.A. Section 4904, as applicable. I am aware that if any of the statements made herein are wilfully false, that I am subject to such penalties. HARVEY.~NNINGTON LTD, /./,/. "'~7 . By" ./1 (~lf (' ;/ /(1/ Y:~bert J.lt ~~, Esqw e /;~. IDN~~~~ 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Facsimile: (215) 568-1044 Attorneys for Plaintiff Dated: October 4, 2004 692960_1 SHERIFF'S RETURN - REGULAR CASE NO: 2004-00696 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND WACHOVIA BANK NA VS WRIGHT BETTY SHANNON SHERTZER , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon WRIGHT BETTY .UNKNOWN HEIRS AT LAW OF THE ESTATE the DEFENDANT , at 1810:00 HOURS, on the 12th day of August , 2004 at 433 NORTH WEST STREET CARLISLE, PA 17013 by handing to POSTED PROPERTY AT 433 N WEST STREET CARLISLE a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Posting Surcharge So Answers: 18.00 3.70 6.00 10.00 .00 37.70 .r~~~-P R. Thomas Kline day of 08/13/2004 HARVEY PENNINGT.ON. ?JI. By: C') I _ t.'~'V----1C- y;' Deputy Sheri Sworn and Subscribed to before me this A.D. Prothonotary JUL 2 7 2004 f HARVEY. PENNINGTON, LTD. Robert 1. Murtaugh, Esquire Pa. ID No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Telecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Trustee W ACHOVIA BANK, N.A., as Indenture Trustee: IN THE COURT OF COMMON PLEAS c/o Interbay Funding, LLC ; CUMBERLAND COUNTY, PA 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 Plaintiff, ; CNIL ACTION - EQUITY : MORTGAGE FORECLOSURE v. UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED ; Docket No. 04-696 Civil Term 433 North West Street Carlisle, PA 17013 Defendant(s). _ ; ORDER AND NOW this ,)......t day of O~ , 2004, upon consideration ofPlaintitrs Motion for Service Pursuant to Special Order of Court and the Affidavit of Plaintiff and Memorandum of Law in support thereof, and for good cause shown, it IS ORDERED and DECREED that service of the Amended Complaint in Mortgage Foreclosure in this action may be made upon the Defendant(s), Unknown Heirs at Law of the Estate ofBeuy Wright, Deceased, by posting a copy of the Amended Complaint in Mortgage Foreclosure on the most public part ofthe premises located at 433 North West Street, Carlisle, PA 17013 and by publication as provided by Pa.R.C.P. No. 430(b)(1). Service shall be deemed complete upon posting or publication, whichever is later; and 682]49_1 IT IS FURTHER ORDERED that all future notices in this action which may be required to be served upon the Defendant(s), Unknown Heirs at Law of the Estate of Betty Wright, Deceased, may be served by Plaintiff by certified mail and regular mail without further application to the Court at 433 North West Street, Carlisle, PA 17013. BY THE COURT: is / -Ai~~ () ~ J. - 682149_1 TRUE COP'I FROM RECOAu In T_I"""""~.,^,,,,, . f ~''''''f "''''''''".: I it.o:t lIote; set my IIaltCl ~~ h. "tk~j(j ~~l~r.:UsJe~i .. l lye-I). ~ , ~ Protl1onllllrY PROOF OF PUBLICATION State of Pennsylvania, County of Cumberland Tammy Shoemaker,. Customer Care/Sales Manager, of The Sentinel, of the County and State aforesaid, being duly sworn, deposes and says that THE SENTINEL, a newspaper of general circulation in the Borough of Carlisle, County and State aforesaid, was established December 13th, 1881, since which date THE SENTINEL has been regularly issued in said County, and that the printed notice or publication attached hereto is exactly the same as was printed and published in the regular editions and issues of THE SENTINEL on the following daters) August 19, 2004 COPY OF NOTICE OF PUBLICATION Plaintiff, ~ : IN Tl-tE COURT OF COMMON PLEAS , CUMBERLAND COUNTY, PA , CIVIL ACTION - EQUITY , MORTGAGE FORECLOSURE WACHOVIA BANK, N.A., 88lndentUFe Trustee c/o Interbay Funding, LlC 4425 Ponce De leon Boulevard. 5th Floor Coral Gables, FL 33146 v. UNKNOWN HEIRS AT LAW OFTHE ESTATE OF BETTY WRIGl-tT. DECEASED 433 North West Street Carlisle, PA 17013 : Docket No. 04-696 Civil Term poses that he/ she is not ubject matter of the r advertisement, and that fie foregoing statement rld character of ~~ Defendant(s). ~ TO: The Unknown Heirs at Law of the Estate of Betty Wright. Deceased You are hereby notified of the Action in Mortgage Foreclosure filed against you on behalf of the Plaintiff, Wachovia Bank, N.A.. as Indenture Trustee. . If you wish to defend, you must enter a written appearance personally or by .. attorney and file your defenses or objections in writing with the Court. You are wamed tt1at if you fall 10 do so the case may proceed without you and a judgement may be entered a.gainst you wf!hout further notice for the relief requested by the Plaintiff. You may lose money or property or other rights unportant to you. YOU SHOULD TAKE THIS NOTICE TO YOUR LAWYER AT ONCE. IF VOU DO NOT I-tAVE A LAWVER OR CANNOT AFFORD ONE, GO TO OR TELEPl-tONE Tl-tE OFFICE SET FORTI-t BELOW TO FIND OUT Wl-tERE YOU CAN GET LEGAL I-tELP. CUMBERLAND COUNTY LEGAL REFERRAL SERVICE COURT AOMINISTRATOR CUBMERLAND COUNTY COURTl-tOUSE. 4TI-t FLOOR CARLISLE, PA 17013 TELEPl-tONE, (570) 240-6200 ribed before me this :1,2004 HARVEY. PENNINGTON L TO. By: Robert J. Murtaugh, EsqUire 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone Number: (215) 563-4470 Facsimile Number: (215) 568.1044 J ~!;~O\1l(f ,ires: COMMONWEALTH QF ~t;NNSYI.VANIA NOTARIAL SEAL JACOUEUNE M. WORLEY, NOtai'I Plblic 80m of CaI1isle. C'"c;.oenam County My CommlssionE",,,,,,," Jest 10, ~_ PROOF OF PUBLICATION State of Pennsylvania, County ofCwnberland Tammy Shoemaker, Customer Care/Sales Manager, of The Sentinel, of the County and State aforesaid, being duly sworn, deposes and says that THE SENTINEL, a newspaper of general circulation in the Borough of Carlisle, County and State aforesaid, was established December 13th, 1881, since which date THE SENTINEL has been regularly issued in said County, and that the printed notice or publication attached hereto is exactly the same as was printed and published in the regular editions and issues of THE SENTINEL on the following date(s) August 19, 2004 COPY OF NOTICF 011 Pl1RT.TC' A TION Your Yard 54 CONNI WACHOV'A BANK, N.A., ..lndentunJ n c/o 'ntamay Funding, LLC 4425 Ponce De_ Leon Boulevard. 5th Floor Coral Gables. FL 33146 Plaintiff, v. UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, OECEASE 433 North West Street Carlisle, PA 17013 Oefendant(s TO: The Unknown Heirs at Law of the E You are hereby notified of the Action in Me on behalf of the Plaintiff, Wachovia Bank, If you wish to defend, you must ente~ a ,,!r attorney and file your defenses or obJactlO! may proceed without you and a judgem requested by the Plaintiff. You may IOSf YOU SHOULD TAKE THIS NOTICE TO' YOU 00 NOT HAVE A LAWYER OR CAl THE OFFICE SET FORTH BELOW TO F CUMBERLA CUBMERLA Call Classified direct at 2 I. Boiling Sprfngs -I MULTI.FAMILY YARD SALE, Aug. 20 & 21. 8am~12noon. 24 & 26 SilVer Maple Or" Indian Hills. Chlldrens items, household !fems. small furniture, starter pleno & more. UPSCALE YARD SALE. Saturday. August 28. 8am-1208 Third StNet. Designer & vintage clothes, furniShings & collectibles. Victorian dresser: immaculate. Country pieces. Antique french desk. YARO SALE, Fri., Aug 20 & Sat., Aug 21. 7am- - _.- - - -,. -----.- I: IIU( ~ j Fri., 21, 12t 243- In (qui wo< 00"", pic' witt gan largo 10.11 2wir 1 bn torm Iotsn Affiant further deposes that he/she is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statement as to time, place and character of 3:are~~ o Sworn to and subscribed before me this 25th day of August, 2004 :t~ ttlJU \\.\.WOtQLv~ Notary Public 0 My commission expires: COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL ~ JACOUEUNE M. WOFii..i:Y, NOla~1 PtbIic Boro 01 Carlisle, O..",;>erllm: County My Commission E"l',re:, J8Il. 10, 2005 HARVEY, PENNINGTON LTD. RobertJ.~urtaugh,Esqurre Pa. ID No. 57494 1835 ~arket Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Telecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Trustee W ACHOVIA BANK, N.A., as Indenture Trustee: IN THE COURT OF COMMON PLEAS c/o InterbayFunding, LLC : CUMBERLAND COUNTY, PA 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 : CNIL ACTION - EQUITY Plaintiff, : MORTGAGE FORECLOSURE v. UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED : Docket No. 04-696 Civil Term 433 North West Street Carlisle, PA 17013 Defendant(s). To: Unknown Heirs at Law of the Estate of Betty Wright, Deceased 433 North West Street Carlisle, P A 17013 Date of Notice: September 20,2004 NOTICE PURSUANT TO RULE 237.1 IMPORTANT NOTICE (of Intent to File Praecipe to Enter Judgment by Default) YOU ARE IN DEF AUL T 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) DA YS FRO~ THE DATE OF THIS NOTICE, A JUDG~ENT MAYBE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE PROPERTY OR OTHER IMPORT ANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO ALA WYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE WHERE YOU CAN GET LEGAL HELP: 692315_1 CUMBERLAND COUNTY BAR ASSOCIATION LAWYER REFERRAL SERVICE COURT ADMINISTRATOR CUMBERLAND COUNTY COURTHOUSE, 4TH FLOOR CARLISLE,PA 17013 Telephone: (570) 240-6200 HARVEY H'ENNINGTON LTD. By: /iultzJliiUUl ~ " Robert J. ~~Ugh, Esquire, I.D. No. 57494 Attorneys for Plaintiff Date: September 20, 2004 &1M 15LIOj, c\c93 Harvey, Pennington, et al. ] 835 Market Street, 29th Floor Philadelphia, PA ]9103-2989 ~ "1' u.s. P9STAl SERVICE Mr' ~- .,,--- -~- - p One piece of ordinary mail addressed to: UrlRncwl/ WI(S tl.-t lAm Offf"L fu-lz:rte.DP Mtu 1,U(I~ht, DerYtlCfd t.(~~ i!orfH tat.Slred CArlisle; PA J700 . PS Form 3817, January 2001 !'" ... o ... .. .. '" "' III C \.0 o III ItltJtItIt......lt.... 692315_1 t~ \. ~ r:.........-l () r' v, 0- -0 i' ...c: CL ~ ":3 :::i \ ~ ...-c:CJ.J~ ~ -f (.... ~'- , .\ -','. ~ HARVEY, PENNINGTON LTD. Robert J. Murtaugh, Esquire Pa. ill No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Telecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Trustee W ACHOVIA BANK, N.A" as Indenture Trustee: IN THE COURT OF COMMON PLEAS c/o InterbayFunding, LLC : CUMBERLAND COUNTY, PA 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 Plaintiff, : CIVIL ACTION - EQUITY : MORTGAGE FORECLOSURE v. UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED : Docket No. 04-696 Civil Term 433 North West Street Carlisle, PA 17013 Defendant(s). AFFIDAVIT OF NON MILITARY SERVICE COMMONWEALTH OF PENNSYLVANIA : ss. COUNTY OF PHILADELPHIA BEFORE ME, the undersigned authority, a Notary Public, personally appeared Robert J. Murtaugh, Esquire, whose identity was known to me or established to my satisfaction, and who, after having been duly sworn according to law, deposes and says as follows: 1. I, Robert J. Murtaugh, Esquire, am over eighteen (18) years of age, and am currently an attorney in good standing duly admitted to practice law in the Commonwealth of Pennsylvania, and am an associate ofthe law firm of Harvey, Pennington Ltd., and in that capacity, have been retained to represent the Plaintiff in the above-captioned action, Wachovia Bank as Indenture Trustee, and as such am duly authorized to make this Affidavit on its behalf. 2. As such Attorney, I have responsibility for handling the files and litigation concerning the loan documents and collateral involved in this matter. and am fully familiar with the facts therein described. 692960_1 3. I have been advised and therefore believe and aver that the Defendants, Unknown Heirs of the Estate of Betty Wright, Deceased, are not presently in active duty in the military or naval service of the United States of America, are not active members of the Army of the United States, the Marine Corps. or the Coast Guard, and are not officers of the Public Health Service detailed by proper authority for duty with the Army or Navy; nor have they engaged in any active military service or active military duty with any military or naval units covered by the Soldiers and Sailors Civil Relief Act of 1940 (the "Act") and designated therein as military service; nor has she, to the best of affiant's knowledge, enlisted in any military service covered by this Act. 4. I make this Affidavit on behalf of Plaintiff, on the basis of my own knowledge, and subject to the penalties for peIjury pursuant to 18 Pa.C.S.A. 94901 et seq., and false swearing before notaries public pursuant to 18 Pa.C.S.A. 94903, and/or unsworn verification to authorities pursuant to 18 Pa.C.S.A. 94904, as applicable, and am aware that if any of the statements I have made herein are willfully false, that I am subject to such penalties. W ACHOVIA BANK AS INDENTURE TRUSTEE By: BARYE1;,). PENNINGTON LTD. By: ... /It{~x I~ ...... ~bertJ.~',.ESqUlre - VAttorneY-I~~gh Dated: October 4, 2004 SWORN. TO an~BSCRIBED befo%me, this day of J~ ,2004 >>! ~J:,;~ 't~ P ic "- My Co Ission Ends: :,1IJ1~~ 692960_1 HARVEY, PENNINGTON LTD. Robert J. Murtaugh, Esquire Pa. ID No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Telecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Trustee W ACHOVIA BANK, N.A., as Indenture Trustee: IN THE COURT OF COMMON PLEAS c/o InterbayFunding, LLC CUMBERLAND COUNTY, PA 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 Plaintiff, CIVIL ACTION - EQUITY : MORTGAGE FORECLOSURE v. UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED : Docket No. 04-696 Civil Term 433 North West Street Carlisle, PA 17013 Defendant(s). AFFIDAVIT OF LAST KNOWN ADDRESSES COMMONWEALTH OF PENNSYL V ANlA :ss. COUNTY OF PHILADELPHlA BEFORE ME, the undersigned authority, a Notary Public, personally appeared Robert J. Murtaugh, Esquire, whose identity was known to me or established to my satisfaction, and who, after having been duly sworn according to law, deposes and says as follows: 1. I, Robert J. Murtaugh, Esquire, am over eighteen (18) years of age, and am currently an attorney in good standing duly admitted to practice law in the Commonwealth of Pennsylvania, and am an associate of the law firm of Harvey, Pennington Ltd., and in that capacity, have been retained to represent the Plaintiff in the above-captioned action, Wachovia Bank as Indenture Trustee, and as such am duly authorized to make this Affidavit on its behalf. 2. As such Attorney, I have responsibility for handling the files and litigation concerning the loan documents and collateral involved in this matter, and am fully familiar with the facts therein described. 692960_1 3. I hereby certify that the last known address ofthe Plaintiff is c/o Interbay Funding, L.L.C., 4425 Ponce De Leon Boulevard, 5th Floor, Coral Gables, Florida 33146, and the last known address of Defendants, Unknown Heirs at Law of the Estate of Betty Wright, Deceased is 433 North West Street, Carlisle, PA 17013. 4. I make this Affidavit on behalf of Plaintiff, on the basis of my own knowledge, and subject to the penalties for perjury pursuant to 18 Pa.C.S.A. ~4901 et sea., and false swearing before notaries public pursuant to 18 Pa.C.S.A. ~4903, and/or unsworn verification to authorities pursuant to 18 Pa.C.S.A. ~4904, as applicable, and am aware that if any of the statements I have made herein are willfully false, that I am subject to such penalties. W ACHOIV A BANK AS INDENTURE TRUSTEE By: HARvtW . PENNINGTON LTD. By: II tlL/ iflb4f/? A~~ert J., au~, Esi(aire Attorne:r' -fact i Dated: October 4, 2004 SWORN TO arBSCRIBED befo~me, this day of {)(~ ,2004 ~ My Co ~~!<?~~~~~-,11,?1 ;0~ ! r"'r: WI ~/~~;T~~,~I),!.. ~:,::..:\L ~>~-i , ,J, -' ''', '.', ,. .'!. Nc:C!ry Public 1 (. -.., . 692960_1 HARVEY, PENNINGTON LTD. Robert J. Murtaugh, Esquire Pa. ID No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Telecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Trustee W ACHOVIA BANK, N.A., as Indenture Trustee: IN THE COURT OF COMMON PLEAS c/o Interbay Funding, LLC : CUMBERLAND COUNTY, P A 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 Plaintiff, : CIVIL ACTION - EQUITY : MORTGAGE FORECLOSURE v. UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED : Docket No. 04-696 Civil Term 433 North West Street Carlisle, P A 17013 Defendant(s). CERTIFICATE OF SERVICE OF PRAECIPE PURSUANT TO PA.R.CIV.P. RULE I037(a) TO ENTER JUDGMENT DEFAULT AND FOR ASSESSMENT OF DAMAGES The undersigned hereby certifies that on the 4th day of October, 2004, a true and correct copy of the foregoing Praecipe Pursuant to Pa.R.Civ.P. Rule 1037(a) to Enter Judgment by Default and for Assessment of Damages, and all supporting papers, was served upon the Defendant by United States Regular First Class Mail, postage prepaid, addressed as follows: Unknown Heirs at Law of the Estate of Betty Wright, Deceased 433 West Street Carlisle, P A 17013 HARVEY. PENNINGTON LTD. d By: /)/i-Ltlf/Zt o.4ert J. M. aujW, Es v;;uID No. 7494 Attorney i or Plaintiff Date: October 4, 2004 692960_1 HARVEY, PENNINGTON LTD. Robert J. Murtaugh, Esquire Pa. ill No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Telecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Trustee W ACHOVIA BANK, N.A., as Indenture Trustee: IN THE COURT OF COMMON PLEAS c/o InterbayFunding, LLC : CUMBERLAND COUNTY, PA 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 Plaintiff, : CIVIL ACTION - EQUITY : MORTGAGE FORECLOSURE v. UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED : Docket No. 04-696 Civil Term 433 North West Street Carlisle, PA 17013 Defendant( s). PRAECIPE FOR WRIT OF EXECUTION To the Prothonotary: Kindly issue a Writ of Execution in the above matter, 1. directed to the Sheriff of Cumberland County; 2. against the defendant(s), Unknown Heirs at Law of the Estate of Betty Wright, Deceased; 3. covering all real property owned by Unknown Heirs at Law of the Estate of Betty Wright, Deceased, located at the following address: 433 North West Street, Carlisle located in the County of Cumberland and Commonwealth of Pennsylvania 17013; 4. and index this Writ with respect to the aforesaid property (a) against Unknown Heirs at Law of the Estate of Betty Wright, Deceased, defendant(s), and (b) any other person found in possession thereof, as garnishee. 695367_1 Amounts Due: Principal balance: Accrued Interest to 08~28-2003: Late Charges: Escrow Advances Attorneys' Fees: Court Costs: Title Report Expense: TOTAL REAL DEBT: $62,320.23 10,536.39 176.52 2,230.31 1,300.00 150.50 350.00 $77,063.95 ~ Plus additional interest accruing after August 28, 2003 at the rate of 12.00% per annum, or $20.49 per diem, together with any other charges or costs collectible under the Mortgage, including reasonable attorney's fees and costs. a , Esquire PA Id. N .57494 29th Floor, 1835 Market Street Philadelphia, PA 19103-2989 Telephone Number (215) 563-4470 Telecopier Number (215) 568-1044 Attorneys for Plaintiff Date: October 14, 2004 695367_1 rcJ & ~ j~ * '" ~ "l () ~" ~ -!:: ~ ~ ~-...o :L J ~ "" ~ r-~ \. ~ A~ ~ r .. ,. '.-) ~ 0 ' ..:0;'.., , ~ ~-n ;:~; ., C) 111 r= -j -0 fg r",' :;0 -.1 (-:~., =-c~l ::::: r? h'l -,. (5. ':'-: "j~ .:::- ~ -.J ~~ vv ~ ~ ~ .~~ ~ ~ :-I -:- "'CS 'G &. . ".9' ?5 ~ vI -;:) ; P- $- -- CX') ~ -0 '0 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 04-696 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due W ACHOVIA BANK N.A., AS INDENTURE TRUSTEE Plaintiff( s) From UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED, 433 N. WEST ST., CARLISLE PA 17013. (1) You are directed to levy upon the property of the defendant (s)and to sell REAL ESTATE LOCATED AT 433 N. WEST ST., CARLISLE PA 17013 (SEE LEGAL DESCRIPTION) (2) (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 ofthe defendant (s) or otherwise disposing thereof; (3) Ifproperty 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 $77,063.95 Interest TO 8-23-04 Atty's Comm % Atty Paid $182.60 Plaintiff Paid Date: OCTOBER 27, 2004 L.L. $.50 Due Prothy $1.00 Other Costs CURTIS R. LONG (Seal) Protho~tary ~_ \ ~ By: \ ~ .'-7M " J DeputY ' REQUESTING PARTY: Name ROBERT J. MURTAUGH, ESQ. Address: 1835 MARKET ST., 29TH FLOOR PHI8LALDELPIDA PA 19103-2989 Attorney for: PLAINTIFF Telephone: (215) 563-4470 Supreme Court ill No. 57494 EXHIBIT" A" - DEED DESCRIPTION ALL THAT CERTAIN lot of ground situate in the Borough of Carlisle, County of Cumberland, State of Pennsylvania, bounded and described as follows: On the North by Property now or formerly of the Heirs of Charles Shapley, Deceased; on the East by an aliey; on the South by Property now or formerly of George McIntire; and on the West by North West Street. Extending in depth a distance of 100 feet from North West Street to said alley, and having a frontage on said North West Street, 200 feet, and having thereon erected a frame dwelling house known as No. 433 North West Street. TAX PARCEL NO. 06-20-1798-233 TITLE VESTED IN Betty Wright, by Deed from Carlisle Opportunity Homes, Inc., dated 01130/1990, Recorrled 01105/1990, Book I 34, Page 1009. . ,. 695367_1 HARVEY, PENNINGTON LTD. Robert J. Murtaugh, Esquire Pa. ill No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Telecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Trustee W ACHOVIA BANK, N.A., as Indenture Trustee: c/o Interbay Funding, LLC 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, P A Plaintiff, : CNIL ACTION - EQUITY : MORTGAGE FORECLOSURE v. UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED : Docket No. 04-696 Civil Term 433 North West Street Carlisle, P A 17013 Defendant(s). AFFIDAVIT PURSUANT TO Pa.R.Civ.P. RULE 3129.1 Wachovia Bank, N.A., as Indenture Trustee, Plaintiff in the above action, sets forth the following information concerning the parcel of real property being sold, located at 433 North West Street, Carlisle, County of Cumberland, Commonwealth of Pennsylvania 17013, which parcel is more fully described in Exhibit "A" attached hereto and incorporated herein by reference: A. Name and addresses of owners or reputed owners: Names: Addresses: Unknown Heirs at Law ofthe Estate of Betty Wright, Deceased 433 North West Street Carlisle, P A 17013 B. Name and addresses of defendant(s) in the judgment: Names: Addresses: Unknown Heirs at Law ofthe Estate of Betty Wright, Deceased 433 North West Street Carlisle, PA 17013 695367_1 C. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Names: Addresses: Wachovia Bank, N.A., as Indenture Trustee Attention: Matthew Coburn c/o Interbay Funding, LLC 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 General Motors Acceptance Corporation 2122 Broening Highway Baltimore, MD 21224-6602 General Motors Acceptance Corp. c/o William T. Molczan, Esquire Weltman, Weinberg & Reis Co., P.A. 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 Commonwealth of Pennsylvania Department of Revenue Bureau of Compliance Department 280946 Harrisburg, P A 17128-0946 Reliance Finance Company 800 South Cameron Street Harrisburg, PA 17104-2525 Reliance Finance Company c/o Jeffrey N. Y offe, Esquire Y offe & Y offe, PC 214 Senate Avenue, Suite 203 Camp Hill, PA 17011 D. Names and addresses ofthe last recorded holder of every mortgageofrecord: Names: Addresses: Wachovia Bank, N.A., as Indenture Trustee Attention: Matthew Coburn c/o Interbay Funding, LLC 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 E. property: Names and addresses of every other person who has any other record lien on the Names: Addresses: None 695367_1 F. Names and addresses of every other person who has any record interest in the property and whose interest may be affected by the sale: Names: Addresses: Commonwealth of Pennsylvania Department of Revenue Commonwealth of Pennsylvania Department of Public Welfare Bureau of Compliance Department 280946 Harrisburg, P A 17128-0946 P.O. Box 2675 Harrisburg, P A 17105 Domestic Relations Section Cumberland County Courthouse 13 North Hanover Street Carlisle, P A 17013 Cumberland County Tax Office Delinquent Real Estate Tax Department One Courthouse Square Carlisle, P A 17013 Carlisle Borough Administrative Offices 53 West South Street Carlisle, PA 17013-3458 G. Names and addresses of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Names: Addresses: Tenants/Occupants 433 North West Street Carlisle, P A 17013 695367_1 I hereby acknowledge that the statements contained herein are made subject to the penalties for peIjury pursuant to 18 Pa.C.S.A. ~4901 et seq., and/or false swearing before notaries public pursuant to 18 Pa.C.S.A. ~4903, and/or for unsworn verification to authorities pursuant to 18 Pa.C.S.A. ~4904, as applicable, and am aware that if any ofthe statements I have made herein are willfully false, that I am subject to suc enalties. Date: OWb:r I~ , 2004 ~. ~I ~/ i'lJi!/;/ /( / II ! n '/ / " ~/, o rt 1. Murtau squ' e tiff / SWORN T~ and. SCRIBED before m~ . s I day of lYl 2004 /,(1(\ Q. i{q~ ~ f<I~ My Commission Ends: ~~THOF ......Y\.VI!tf'lA. NOT AFtIAL SEAt. l<A THl.EEN A. GLOWIENKA. NcUry PubliC City of PhiIadIlPhiI. PhiIa. Cou*Y .. My ~.sjon expo..Octobet 28, ~ 695367_1 EXHIBIT "A" - DEED DESCRIPTION ALL THAT CERTAIN lot of ground situate in the Borough of Carlisle, County of Cumberland, State of Pennsylvania, bounded and described as follows: On the North by Property now or formerly of the Heirs of Charles Shapley, Deceased; on the East by an alley; on the South by Property now or formerly of George Mcintire; and on the West by North West Street. Extending in depth a distance of 100 feet from North West Street to said alley, and having a frontage on said North West Street, 200 feet, and having thereon erected a frame dwelling house known as No. 433 North West Street. TAX PARCEL NO. 06-20-1798-233 TITLE VESTED IN Betty Wright, by Deed from Carlisle Opportunity Homes, Inc., dated 01/30/1990, Recorded 01/05/1990, Book I 34, Page 1009. ~ ~ HARVEY, PENNINGTON LTD. Robert J. Murtaugh, Esquire Pa. ill No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Telecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Trustee W ACHOVIA BANK, N.A., as Indenture Trustee: IN THE COURT OF COMMON PLEAS c/o Interbay Funding, LLC : CUMBERLAND COUNTY, P A 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 Plaintiff, : CIVIL ACTION - EQUITY : MORTGAGE FORECLOSURE v. UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED : Docket No. 04-696 Civil Term 433 North West Street Carlisle, PA 17013 Defendant( s). AFFIDAVIT OF NON MILITARY SERVICE COMMONWEALTH OF PENNSYLVANIA :ss. COUNTY OF PHILADELPHIA BEFORE ME, the undersigned authority, a Notary Public in and for said Commonwealth and County, personally appeared Robert J. Murtaugh, Esquire, whose identity was known to me or established to my satisfaction, and who, after having been duly sworn according to law, deposes and says as follows: 1. I, Robert J. Murtaugh, Esquire, am over eighteen (18) years of age, and am currently an attorney in good standing duly admitted to practice law in the Commonwealth of Pennsylvania, and am an associate ofthe law firm of Harvey, Pennington Ltd., and in that capacity, have been retained to represent the Plaintiff in the above-captioned action, and as such am duly authorized to make this Affidavit on its behalf.. 2. As such Attorney, I have responsibility for handling the files and litigation concerning the loan documents and collateral involved in this matter, and am fully familiar with the facts therein described. 3. I have been advised and therefore believe and aver that the Defendants, Unknown Heirs at Law of the Estate of Betty Wright, Deceased, are adult individuals and are not presently in active duty in the military or naval service of the United States of America, are not 695367_1 active members ofthe Army of the United States, the Marine Corps. or the Coast Guard, and are not officers of the Public Health Service detailed by proper authority for duty with the Army or Navy; nor have they engaged in any active military service or active military duty with any military or naval units covered by the Soldiers and Sailors Civil Relief Act of 1940 (the "Act") and designated therein as military service; nor have they, to the best of affiant's knowledge, enlisted in any military service covered by this Act. 4. I make this Affidavit on behalf of Plaintiff, on the basis of my own knowledge, and subject to the penalties for perjury pursuant to 18 Pa.C.S.A. ~4901 et seq., and false swearing before notaries public pursuant to 18 Pa.C.S.A. ~4903, and/or unsworn verification to authorities pursuant to 18 Pa.C.S.A. 94904, as applicable, and am aware that if any of the statements I have made herein are willfully false, that I am subject to such penalties. Date: ~~W \ l\ , 2004 HARVEY .~NINGTO~~'J.TD' By: 1(ji/t If! IdU6 ~b'rt J. Murt gh,/~ quire L/Attorney for B aintiff / SWORN TOfJfnd BSCRIBED beforeA1<?',tNs I ~ day of LY~} ,2004 ~a.~ My Commission Ends: c.QlmDlfNIEAI.1,HO' ~YLVAHlA. NOTARIAL-SEAl . I<ATHlEEN A. GLOWIENft:..~1..NlIIc City d~ n_. """""l My ConvJjsIiOn ~ 0c:t0I:Jer 28.. 2004 . 695367_1 ~....\,\\. I . .......... I . :,,~, "", l.".l,.... _..' ~_..' .>."_~,,:~"l'f~\ .... I . . [' ~ n t-...') ("'":::l = ..;..- o C") --.., ;'., _l -" ~... ". ~' ';';) ,,1i ".' ,t 'l'" -./ ',,, 10-' l ~.',.' ~. ,''';\;. .....\.; <' HARVEY, PENNINGTON LTD. Robert J. Murtaugh, Esquire Pa. ill No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Telecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Trustee W ACHOVIA BANK, N.A., as Indenture Trustee: IN THE COURT OF COMMON PLEAS c/o Interbay Funding, LLC : CUMBERLAND COUNTY, P A 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 Plaintiff, : CNIL ACTION - EQUITY : MORTGAGE FORECLOSURE v. UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED : Docket No. 04-696 Civil Term 433 North West Street Carlisle, PA 17013 Defendant( s). NOTICE PURSUANT TO RULE 3129.2 OF SHERIFF'S SALE OF REAL ESTATE TO: The Defendant, Unknown Heirs at Law ofthe Estate of Betty Wright, Deceased, Mortgage Holders, Judgment Creditors, Lien Creditors and All Other Parties-In-Interest Entitled to Receive Notice TAKE NOTE THAT by virtue ofthe above Writ of Execution issued out of the Court of Common Pleas of Cumberland County, Pennsylvania, and to the Sheriff of Cumberland County, directed, there will be exposed to Public Sale at: Cumberland County Courthouse, One Courthouse Square, Carlisle, PA 17013, on Wednesday, March 2, 2005, at 10:00 o'clock a.m., the following described parcel of real estate: 433 North West Street, Carlisle all in the County of Cumberland, and Commonwealth of Pennsylvania 17013; SEIZED AND TAKEN pursuant to a Writ of Execution issued upon a foreclosure judgment in favor of Plaintiff, Wachovia Bank, N.A., as Indenture Trustee and against Defendant, Unknown Heirs at Law ofthe Estate of Betty Wright, Deceased, docketed in the Prothonotary's Office of the Court of Common Pleas of Cumberland County, Pennsylvania at No. 04-696, in the amount of$77,063.95 plus continually accruing interest at the rate of 12.00% per annum or $20.49 per day from August 28, 2003 up to and including the date of sale of the property and costs of suit. 695367_1 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 canceled if you pay to Plaintiff the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call Robert J. Murtaugh, Esquire at (215) 563-4470. 2. You maybe ab1e to stop the sa1eby 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 may also be able to stop the sale through other legal proceedings. 4. 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 below on 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. 1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the bid price by calling Robert J. Murtaugh, Esquire at (215) 563-4470. 2. You maybe able to petition the Court to set aside the sale if the bid was grossly inadequate compared to the value of your property. 3. The sale will go through only ifthe buyer pays the Sheriff the full amount due on the sale. To find out if this has happened, you may call Robert J. Murtaugh, Esquire at (215) 563-4470. 4. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner ofthe property as if the sale never happened. 5. You have the 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. 6. You may be entitled to a share of the money which was paid for your real estate. A schedule of distribution will be filed by the Sheriff on or before thirty (30) days after the Sheriff s Sale. 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 filing of the schedule. 695367_1 7. You may also have other rights and defenses, or ways of getting your property back, if you act immediately after the sale. YOU SHOULD TAKE THIS NOTICE AND THE WRIT OF EXECUTION TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL ADVICE. CUMBERLAND COUNTY BAR ASSOCIATION Lawyer Referraf and Information Service 32 South Bedford Street Carlisle, P A 17013 Telephone: (717) 240-2700 LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. SI NO TIENE ABOGADO 0 SI NO TIENE DINERO SUFICIENTE DE PAGAR TAL SERVICIO, V AYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AERIGUAR DONDE SE PUEDE CONSEGUIR ARISTENCIA LEGAL. CUMBERLAND COUNTY BAR ASSOCIATION Lawyer Referral and Information Service 32 South Bedford Street Carlisle, PA 17013 Telephone: (717) 240-2700 PURSUANT TO THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT, YOU ARE ADVISED THAT THIS FIRM MAY BE DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. HARVEY .PE~j(INGTON LTD. . / M ~/ . - I {{ t U1 ?'.//. be J. Murtau , Ztiire ~/ A Id. No.: 574 4 29th Floor, 18 5 Market Street Philadelphia, PA 19103-2989 Telephone Number (215) 563-4470 Telecopier Number (215) 568-1044 Attorneys for Plaintiff By: Date: D~ro I Y , 2004 695367_1 HARVEY, PENNINGTON LTD. Robert J. Murtaugh, Esquire Pa. ill No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Telecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Trustee W ACHOVIA BANK, N.A., as Indenture Trustee: IN THE COURT OF COMMON PLEAS c/o Interbay Funding, LLC : CUMBERLAND COUNTY, P A 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 Plaintiff, : CIVIL ACTION - EQUITY : MORTGAGE FORECLOSURE v. UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED : Docket No. 04-696 Civil Term 433 North West Street Carlisle, P A 17013 Defendant( s). AFFIDAVIT OF OWNER OCCUPIED COMMONWEALTH OF PENNSYLVANIA :ss. COUNTY OF PHILADELPHIA BEFORE ME, the undersigned authority, a Notary Public in and for said Commonwealth and County, personally appeared Robert 1. Murtaugh, Esquire, whose identity was known to me or established to my satisfaction, and who, after having been duly sworn according to law, deposes and says as follows: 1. I, Robert J. Murtaugh, Esquire, am over eighteen (18) years of age, and am currently an attorney in good standing duly admitted to practice law in the Commonwealth of Pennsylvania, and am an associate of the law firm of Harvey, Pennington Ltd., and in that capacity, have been retained to represent the Plaintiff in the above-captioned action, and as such am duly authorized to make this Affidavit on its behalf. 2. As such Attorney, I have responsibility for handling the files and litigation concerning the loan documents and collateral involved in this matter, and am fully familiar with the facts therein described. 3. The parcel of real property being executed upon, located at the 433 North West Street, Carlisle, PA 17013, is occupied by its record owners thereof, the defendants herein. 695367_1 4. I make this Affidavit on behalf of Plaintiff, on the basis of my own knowledge, and subject to the penalties for perjury pursuant to 18 Pa.C.S.A. ~4901 et seq., and false swearing before notaries public pursuant to 18 Pa.C.S.A. ~4903, and/or unsworn verification to authorities pursuant to 18 Pa.C.S.A. ~4904, as applicable, and am aware that if any of the statements I have made herein are willfully false, that I am subject to such penalties. HARVEY . P~NGTON LTD. . 7/' !u;tt/./;~/ -.,/ By. ~ 11t/ ert i. Murta ~~Esquire , ttorney for=tiff Dated: Q(\tther- I ~ , 2004 SWORN TO andt~BSCRIBED before~el'.. tlJisl ~ day of (~ ,2004 Mt~'o-<-a. ~ ~~p~i~ My Commission Ends: C.Qt"IDUWfAL.~ OI'~YANA NOTARIAL SEAL KATHLEEN A. GL.OWSICA, NaCIry NIlic City tJ PhiIad!iIPhlI. PIlilI. County - MJ ~ ExiliM~28, 2004 695367_1 .. ,.,L'~.J;':t!.?"...!:'!_~~:~,~, ~:'.g"'~i. ~ .... ~. .:.:/::~~.~(~~~~.~~}:~~,: 5::- ~; I Iif.."'" 't ~.~..I-"'" ,.,."# .tJ~"l.'~"'l ,I t...fC:),' . " f;' i ,. '. . -- .. ' ~. I .~.....\ __ I .j",~-'.'., ...~ ,,'n...:......., I' ,.... r 11 - L~:LL~~.:.~;~L~ii.::::,. ,;:1~'_:~ ':'., -J ~1(-;J . I . ".,. ~ ,~. -'r~ )- '] .....)"",) ''''-rn () ::.;:.t ;:x~ .~. -~,;, .. (..) ';1 -, ;:- .....J HARVEY, PENNINGTON LTD. Robert J. Murtaugh, Esquire Pa. ill No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Telecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Trustee W ACHOVIA BANK, N.A., as Indenture Trustee: IN THE COURT OF COMMON PLEAS c/o Interbay Funding, LLC : CUMBERLAND COUNTY, P A 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 Plaintiff, : CIVIL ACTION - EQUITY : MORTGAGE FORECLOSURE v. UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED : Docket No. 04-696 Civil Term 433 North West Street Carlisle, PA 17013 Defendant( s). AFFIDAVIT OF LAST KNOWN ADDRESSES COMMONWEALTH OF PENNSYLVANIA :ss. COUNTY OF PHILADELPHIA BEFORE ME, the undersigned authority, a Notary Public in and for said Commonwealth and County, personally appeared Robert J. Murtaugh, Esquire, whose identity was known to me or established to my satisfaction, and who, after having been duly sworn according to law, deposes and says as follows: I. I, Robert J. Murtaugh, Esquire, am over eighteen (18) years of age, and am currently an attorney in good standing duly admitted to practice law in the Commonwealth of Pennsylvania, and am an associate of the law firm of Harvey, Pennington Ltd., and in that capacity, have been retained to represent the Plaintiff in the above-captioned action, and as such am duly authorized to make this Affidavit on its behalf. 2. As such Attorney, I have responsibility for handling the files and litigation concerning the loan documents and collateral involved in this matter, and am fully familiar with the facts therein described. 3. I hereby certify that the last known address ofthe Plaintiff is Wachovia Bank, N.A., as Indenture Trustee c/o Interbay Funding, LLC, Attention: Matthew Coburn, 4425 Ponce De Leon Boulevard, 5th Floor, Coral Gables, FL 33146 and the last known addresses of 695367_1 the Defendants, Unknown Heirs at Law ofthe Estate of Betty Wright, Deceased is 433 North West Street, Carlisle, PA 17013. 4. I make this Affidavit on behalf of Plaintiff, on the basis of my own knowledge, and subject to the penalties for perjury pursuant to 18 Pa.C.S.A. ~4901 et seq., and false swearing before notaries public pursuant to 18 Pa.C.S.A. ~4903, and/or unsworn verification to authorities pursuant to 18 Pa.C.S.A. ~4904, as applicable, and am aware that if any of the statements I have made herein are willfully false, that I am subject to such penalties. HARVEY + P~NINGTON LTD. By: /t/t(jjpl(~/ Aobert J. M uglvEsqUlre Attorney for laintiff Date:~MtDtr I Lt ,2004 SWORN TO an4WBSCRIBED befor~lh..lJris. I ~ day of l ')~ ,2004 /~Q. M..,..:\k. Notary Public ~w 1J..JlJL1...IJ.-4- My Commission Ends: ccrAr.plt'~~L.TH tw ~VANIA, NOTARIAL SEAL. KATHlEEN A. GLOWlEN<A. NotAry PublIc CIty d PhiIacMiIptIia. Phila. County M 1'.--:..:- 1:.....:.- 0cIaber 28. "2004 y WVO'I\I......... ~- . / 695367_1 ~'? g ~ ".. ..l:"" . '.<'.' 1'......, M .;.'>.t'l'.;., ~"~'.')IIMOt:J " . ~ ~. -<-"" , ...- ~.. :-::r;.1...t....~ ..~ ..----:r.:;:.... , " ;.. . L~.'~ ~ t_ ' . c'~ !i.1 i" I.,.,' .."!t! '.. ..~~ ':"... 1 .~. . ..' . .i;ftjc~" ~.. '-'-> :-:~....:...'::'_J.'.~(:.: '_._Z-~!~~..:.. ..'(.fl. ...~{.1. ~. . " 1').1 .....0 :",'rn ~ ~ C"j -. .., .r.- -.J -- .. HARVEY, PENNINGTON LTD. Robert J. Murtaugh, Esquire Pa. ill No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Telecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Trustee W ACHOVIA BANK, N.A., as Indenture Trustee: IN THE COURT OF COMMON PLEAS c/o InterbayFunding, LLC CUMBERLAND COUNTY, PA 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 Plaintiff, CIVIL ACTION - EQUITY : MORTGAGE FORECLOSURE v. UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED : Docket No. 04-696 Civil Term 433 North West Street Carlisle, PA 17013 Defendant( s). ACT 91 AFFIDAVIT COMMONWEALTH OF PENNSYLVANIA : SS. COUNTY OF PHILADELPHIA BEFORE ME, the undersigned authority, a Notary Public in and for said Commonwealth and County, personally appeared Robert J. Murtaugh, Esquire, whose identity was known to me or established to my satisfaction, and who, after having been duly sworn according to law, deposes and says as follows: 1. I, Robert J. Murtaugh, Esquire, am over eighteen (18) years of age, and am currently an attorney in good standing duly admitted to practice law in the Commonwealth of Pennsylvania, and am an associate ofthe law firm of Harvey, Pennington Ltd., and in that capacity, have been retained to represent the Plaintiff in the above-captioned action, and as such am duly authorized to make this Affidavit on its behalf. 2. As such Attorney, I have responsibility for handling the files and litigation concerning the loan documents and collateral involved in this matter, and am fully familiar with the facts therein described. 3. That the parcel of real property being executed is not the primary residence ofthe defendants, however, all notices required to be given by the Housing Finance Agency Law-Homeowners Emergency Mortgage Assistance Act of 1983,35 P.S. ~1680.401(c) 695367_1 et seq. (purdon's 2001)("Act 91") have been given and all time periods set forth therein for proceeding with respect to any relevant actions have expired, and the defendants have neither qualified for nor obtained any such assistance as is contemplated by Act 91; and 4. I make this Affidavit on behalf of Plaintiff, on the basis of my own knowledge, and subject to the penalties for perjury pursuant to 18 Pa.C.S.A. 94901 et seq., and false swearing before notaries public pursuant to 18 Pa.C.S.A. 94903, and/or unsworn verification to authorities pursuant to 18 Pa.C.S.A. 94904, as applicable, and am aware that if any ofthe statements I have made herein are willfully false, that I am subject to such penalties. HARVEY +,wNNINGTON LTD. By: L. / ~tUJIj I/;/JI/ I Jlll/cLD1{ I obert J. M augh, Esquire v/ Attorney, r Plaintiff Date:D0httr ILJ ,2004 SWORN TO an~~BSCRIBED beforffie~1Ms i~ day of V v..c>\)W , 2004 r{ 10 C\ () ~ q fnlV'1\ . ~ ~ ,A~. f'UJ~J-O- Notary Public . My Commission Ends: _~ ...I:nt Of' fll'llllMlY\.VIINA eOMMuw.....- . NOT ARW. seAL . l<AM.EEN A. GL~NI<A, ~ City cI ~ Pt\iIa. """'''''..nnA "'-.....Iion ExpireS ()clOfler 28, &VV". ' My """"~l~ 695367_1 ..' , I'-..;) ~5 0 ...&:;- -n a -t :::. ffi f!1 i "~"..!"-!".;llo\;1" ~ ~~ , ..:,,,,;::;:t:2t~'~~ , .. ~~. '., .r ..~ W :'5~ .,......~ _;..~_~_:, f ',.. ,odl .JJ..I :,--l' --,~...... '.~~. ......~. ~.::::-:- ,!fIj! ..~.. .:,'-<.i c::' ~ _: j . ~- HARVEY, PENNINGTON LTD. Robert J. Murtaugh, Esquire Pa. ill No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Telecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Trustee W ACHOVIA BANK, N.A., as Indenture Trustee: IN THE COURT OF COMMON PLEAS c/o Interbay Funding, LLC : CUMBERLAND COUNTY, PA 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 Plaintiff, : CIVIL ACTION - EQUITY : MORTGAGE FORECLOSURE v. UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED : Docket No. 04-696 Civil Term 433 North West Street Carlisle, P A 17013 Defendant( s). AFFIDAVIT OF SERVICE OF NOTICE OF SALE PURSUANT TO PA.R.CIV.P. 3129.2(c)(2) The undersigned hereby certifies that on the I W H7 day of [) ~ ' 2004, a true and correct copy of the attached Notice Pursuant to Pa.R.Civ.P. Rule 3129.2 of Sheriffs Sale of Real Estate was served by Certified Mail, Return Receipt Requested, copies of which certified slips and receipts are attached, upon the defendants, addressed as follows: Names: Addresses: Unknown Heirs at Law ofthe 433 North West Street Estate of Betty Wright, Deceased Carlisle, P A 17013 Further, on the ,~fb day of OJ .:~y , 2004, the following interested parties were served with such Notice, by regular United States First Class Mail, postage prepaid, with Certificates of Mailing, true and correct copies of which are attached, addressed as follows: Names: Addresses: Wachovia Bank, N.A., as Indenture Trustee Attention: Matthew Coburn c/o Interbay Funding, LLC 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 695367_1 695367_1 Commonwealth of Pennsylvania Department of Revenue Commonwealth of Pennsylvania Department of Public Welfare Domestic Relations Section Cumberland County Tax Office Carlisle Borough General Motors Acceptance Corporation General Motors Acceptance Corp. Reliance Finance Company Reliance Finance Company Tenants/Occupants Bureau of Compliance Department 280946 Harrisburg, P A 17128-0946 P.O. Box 2675 Harrisburg, P A 17105 Cumberland County Courthouse 13 North Hanover Street Carlisle, P A 17013 Delinquent Real Estate Tax Department One Courthouse Square Carlisle, PA 17013 Administrative Offices 53 West South Street Carlisle, PA 17013-3458 2122 Broening Highway Baltimore, MD 21224-6602 c/o William T. Molczan, Esquire Weltman, Weinberg & Reis Co., P.A. 436 Seventh Avenue, Suite 2718 Pittsburgh,PA 15219 800 South Cameron Street Harrisburg, PA 17104-2525 c/o Jeffrey N. Y offe, Esquire Yoffe & Yoffe, PC 214 Senate Avenue, Suite 203 Camp Hill, PA 17011 433 North West Street Carlisle, P A 17013 I hereby acknowledge that the statements contained herein are made subject to the penalties for perjury pursuant to 18 Pa.C.S.A. ~4901 et seq., and false swearing before notaries public pursuant to 18 Pa.C.S.A. ~4903, and/or unsworn verification to authorities pursuant to 18 Pa.C.S.A. ~4904, as applicable, and am aware that if any of the statements I have made herein are willfully false, that I am subject to such penalties. HARVEY .'f~NNINGTON LTD. By:_ IltL(;jtt$N~/ ho~ertJ.M. aUgh,$S~ vi PA Id. No./ 7494 ~ 29th Floor, 1835 Market Street Philadelphia, PA 19103-2989 Telephone Number (215) 563-4470 TelecopierNumber (215) 568-1044 Attorneys for Plaintiff Date: D~ lL\ ,2004 SWORN TO an~~BSCRIBED befor~t1>J;is I~ day of CJ~ ,2004 eQ,~ My Commission Ends: eOMMOHWULVt OP......",VANIA NOTARIAl SEAL. KATHLEEH A. GLOWlENI<A. ~ Public City at~. AlIa. Countl .., ~ EqlirII 0Qaber 28,2004 695367_1 EXHIBIT "A" DocumentS U.S. postal Servicew CERTIFIED MAILTM RECEIPT . '",~ . :::r rn c::J ~ r~:';'MI~(ilA"t"'''''U''s''M c::J P08I8ge $.'37 i. . *2" (J ,.., r _,f....:-:.-:~i.-.. ~~ ...,. . . ~t ,~~ ., {ISpro rn c::J :5 Relum RecIepI Fee (Endorsement Requll8d) Cl ReslrIcled Delivery Fee ,...:r (EndonIement Requlred) c::J ,...:r Total Postage & Fees $ c..t. c.vt- rn ~ '.~~;~.e~_(!.i.~_Qf..~f5~.Jf_&titL1~9-' . .___Jj33_tJ.o.(ib.if.f~t.~trect!.___._________.. . '1~t7\ 101 ~.A~..~:d. ,., I CenIIIed Fee :t:.:;II:r;l'..:.:...'1tar'I......'1..lI.I...II.l.J... us. POSTAL SERVICE I.:ERTIFICATE OF MAILING f. MAY BE US"" "'"'0 ",....."CT',.. ..." '..T"O...T',....'.' "." """" "'''T t~~ PRovlDq q ~~: ; Rece," RJM r; 510./ cJC)3 ./~':;;.-~~". ~:;~: _ Harvey, Penmngton, et al. . .-:..a. ~;:~ 1835 Market Street, 29th Floo~ ~.~ AI ",pi' ....~~ ;:;~.::: Philadelphia, PA 19103-298~../ ~ " I ddressed to' '- -- t (f~ "";.:.., ~ ..:~ One piece of ordinary m~ a .: ~.&.. ~-;;- t}..l ! :iY c t ,h r~~ Y!~ (,.,. lJ ):1;'1)i nl) <~ o~;~n '~:.\ . \ 'L.iU") 4,,Ji k7CO ....md ~+i) , ;< 1":11 ](1 / 1>17 111 [)Li -!)o/f) - j o ~ ~ Oe,;:' me.... ;:" .~ O:~ Of- 0 V I" VtU ~ ro..J u.',2 ",) c, ~ 0::: ,. W. 1.0 C <~ f'fj ~ ~'" - r, _ C>oj C <t C)C' ~ PS Form 3817, January 2001 U.S POSTAL SERVICE CERTIFICATE OF MAILING ~"\ =,' ~f , O~ ~ ~:-::"'1~ 0')(,1 Gr t,.~O::~ (.,. ~ O' c- !':: !-' u : -Vt'CL S;." N C1 '," J.....~ r: ~ ;. & .-j. CL .. <e ~~~j '6. 'to ,;<- <~ ~".. OJJIN\1 " .2 f,~ 0 .. a:: r__ U. ~ ,.... -l ,,; ::i:i ~-r-, ("-t _ Nr-, <t: r:. C :?: MAY roE USED FOR DOMESTIC AND INTERNATIONAL MAil. DOES NOT PRO\.IDE F()~ IN "I IRANr;::_pr.c::.Tk..Ac;:Tt:O R acetv RJM :~yD) .586 Harvey, Pennington, et al. 1835 Market Street, 29th Floor Philadelphia, P A 19103-2989 \ o..!\.tWlr- "''''~ One pIece of ordinary marl addressed to: :"l.(''f'j1f- f<c' !cdlC(!S Sp (1JJ on ~L\.\Y!I)~(lart1 (1,\.innj (~li).rm\F:f,", IJ; Ned\! Po rlDIJrY ctrPe7_ 1U\\'jt'? Ph 170l::5 PS Form 3817. January 2001 ~~;..;.:~.~ . :l(Ii~N 'Il' .. .:.A . .' :- . ~ " ....l . ~ ~~ ;€:..... ,_. ,-,,- ,.,-~..,~.~ .1"<__ ...~...""",..-...o;..~.. ",..~,,:~~ ,-.-. . v U.S. pOSTAL SERVICE CERTIFICATE OF MAILING- ~...M (,~/~" ~ 0 ~ ..v.._'OROOMEST'C_..-,~.....OOES'O' ~c $r I cn~ 0; PROVIDE I.:::' - -:... · V .... _ !~ V; Q..-1Ll Rece RJM13WOI.d-d8' .,,5 /..,~ 1'!Qrg ~..... .. 80 _ Harvey, Pennington, et al. ::. . ~< ~ It ~ 9: i 835 Market Street, 29th Floor '<.. ~l~ <xl ~ Philadelphia, FA 19103-2989 -1 1\1 2 ~ One piece of ordinary mail addressed 10: ~ ~. <( ~ 0 ~ ~ ":'V~ ('N)1fY"rl)1J :fLllth If an~ ~ IVQr\\C\ ~oS'Q~~C\ ~ g ~ ~tt~_v'n/Jo'9 &iYllLU OfC~ljt.UX'~- II. ....:10 .'_ [iA?jJ1~rt cqg6G}U(., PS F~~~ry ~otJt /71 ~8" D'1~ u.s. ~~~~~:_~E~VICE CERTIFICATE OF MAILING MAY BF, I ~.._-_.- ...- "--"'-'-'" PROVUlI . ..... -~-- ..^~ ----.,.- Race RJM "13--l0\' -O~ ;~.."". L/L.AJ ~~.!l' ........ Harvey, Pennington, et al-4~ '<) 1835 Market Street, 29th or ~ Philadelphia, PA 19103- ~ ...~~- One piece of ordinary mail addressed to: .' l'x,~f(O{W w.. \tt1 ~r ~l vmtl fRrU..tmht rf UibliC'-' ~ IFa ~ :~ f'. ~, . ED\: r!J.p ,S ~( T1Q((\')tur&\.) Pi 1 tiCS '\X-~\. ~ PS Form 3817. Januaryl2001 .~ . ,/' ,," o V(Y) I..Qg~ II cnN ~ ~Ii g~ 8 I, ~ ~B ~ l(~1 ~i / \-. ~ ~~~ N, oS'Q Ng ;;: ~~. . ,,:. , ~,'. _., _~_________ ........_~..._..-rT-.. --..,..--' us. POSTAL SERVICE CERTIFICATE OF MAILING > ~~~ MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL, DOES NOT ';:..-- -"'<., .. _0 ... PROVIDE FOR INSURANCE-POSTMASTER _:."./ . ~ en N ~ ""7-'"-;Jk~ ?~~f..~ON Li d.."~: ~I.i g~ ~ 1835 Market Street, 29th Floor ~.,; .~ ,,8: 16IIt ~ . Philadelphia, PA 19103-2989 M- #(~ CD :E ~'~ NO .,-/ ~ t ~ ;:: If G~~;;rd~~~. ~a:fuYJ \Q~ ~i ~ ~\7-1 _ '\\'0.. M"11YlU ~llNC\ 00 ~ f)\\-\)mD(e 1 1r1~ .~<tkro. .... . .-. .'.' PS Form 3817. January 2001 -- _ .._- ~- ."",- ~~, - , ~' ,,,....'................'-"'...-..~_.v_ '.""'- ..::......'-""...:...:....,""'- .,..,.e,.....i.'" ".,.;..,- .~.''''''.~ U.S. POSTAL SEPvlCE CERTIFICATE OF MAILING r. OV<il MAY BE USt:D FOR DOMESTIC ANn INTFRNATIONAI MAli no"'~ NOT . . > ~ 0 0 PROVIDE .. / \.\>'\): .J:At. '" ""'" 0 ..... _ ,~r' ,,41"~="'fIJ' cnN en R~ RJM '7~l{ol. dc98 1t:--- ~t, U o~ ~ _ Harvey, Pennington, et al. :: CI:t..J..4.. ~I ~ 08 8 _ 1835 Market Street, 29th Floor ~ ;'('1 I"" ~ _' Philadelphia, PA 19103-2989 '~. .~/.,. . l ~~ One piece of ordinary mail addressed to: - t 1f)"Wrt0 \~ ('Ltaxts ~~&' ~ 4,~~ ~\orfu LDt<)+ ltreel: OJ.LINO 1 01r\is\e? p~ 11()1~ i r t PS Form 3817, January 2001 u.S. POSTAL SERVICE _ _ CERTIFICATE OF MAILING C) V <il og~ '" cnN C1l ,~ · V..... g _..... UJ 9.lf!< . it > - r- 0 HARVEY. PENNINGTON.. . ~~,' l~ 088 1835 Market Street, 29th FIo a.. ~f'1' ~, ..,. ~ Philadelphia, PA 19103-29 ~/.." _ ~~ co ~ . y, ~ \\ N 0 ..., . \ ~ r- ex: (' One PI~ of ordinary mail addressed to: i<e II {,\j\~ e FiJ. ~ '" }. <. ~ ~ kJLff(ru ,N. ~(rff~ 7 -[5t{{Jf(f..>JI.I'f><; ~&' ~ ~g ~ "irk) >] lfD~f{ I PC. Q3.lINO 00:lE ,~~\L\ <P(~. fe fhRnut >)\<";'jrlf. ~~ .. iln +'i\\- Pi' \lOll .' ;', PS Form 3817, January 2001 :0- .. ~ "...".-~-' ' MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL. DOES NOT PRCIIVIDE FOR INSURANCE-POSTMASTER Received From: ~ rn /3 U 0 J . ag U.S POSTAL SERVICE CERTIFICATE OF MAILING C) ~:; MAY BE; 'USED FOR DOMESTIC AND INTERNATIONAl MAIL. DOES NOT. . II ~ 2 ~ ;; PROW,!, "2. ~ ~ ~..." ~ -;;;:~ RJM '75L/D/. ca. t~'. .-:" rl~i g~ ~ _ Harvey, Pennington, et al. = ,~r' ., . +It ~ _ 1835 Market Street, 29th Floor ~ f!}. ,,-? i co ~ i~'i.{nt(rJfl rq {luna; fu (Jfi(t>, ~&'Q;INO ; ~ ~ LR J 1('(jjJf0t f?lll f<t~flJ. fAx- ~rt 11..:0-.... ': Uft ~urth[)UX'- 'JVja.fl, dt(/lsie1 Pff 110/3 PS Form 3817, January 2001 't' , 1- . , ~t........, ~.... ;: ~;;Ci"-<"''''''''''''_. _ ,,;, '" ...z.....:: "....,.....~,;,-L.,.~..:.....r.-'.,_ "',~;._~___... __ ~....~.\._r..'" "" ,,,",'" .. _" '_. ..-...---------.. .-- U.S. POSTAl SERVICE CERTIFICATE OF MAILING . 'IT\") MAY BE USED FOR DOMESTIC AND INTERNATIONAl MAIL, DOES NOT.. 5!... 0 0 PRO\~INSU~E-POSTMASTER I i;J:.*" "' .....0.... .. \ ~ ' f"l;Jr,.' ~ (7') N OJ ReQlr.edFrom: 1~~D . V~ 'V-'~,~ 1= 0:: ~ HARVEY. PENNINGTON L-ri --~\~I! Q8 8 1835 Market Street, 29th Floor - ~,. II ~ ~ Q, Philadelphia, P A 19103-2989 01;1 I to ~ ""'~~----.C~l'~~ . t~ g~ ~OLUI'\'\amT. fYb\r1Qf) fNIIJlrL ~~ 'fI ~~ ~ tOej\1na!1I,D2.\fI'M'4 ~~i.s 0:l~.Y.R. ~Q~~lNn ~g ~ {L\~\v ~\fQYltr)ruY\~} &tltt. 811g II., I :.,. ~~,' ~ PS~~~;~~~:2~~ \5;})9 ~-'-''''~~ -......"....,.---~.,--~..._-~'"'7"""'''''''''~ .LJ.S.POSTAL SERVICE . CERTIFICATE OF MAILING oO~ ~ .... 0 ..- MAY BE USEI1 "'OR nmAO::':;TIr. ANn INTFRNATIONAl MAil. DOES NOT . . , t ~ en N ~ ,,"OW"," ..?'~ i' v W Rece"e< RJM 16WD \ . c9~ :: '/ , ~I i 8;:: g -.- Harvey, Pennington, et al. .r~. It ~.,.,8 ~ 1835 Market Street, 29" Floor , ~(~ I lXl :E Phihldelphia, PA 19103-2989'...!I t\1 2 ~ One piece of ordinary mall addressed to: . _ \l'~_.., \, 'fI ::: * ~ o J1 r II ~\e V>>(t).~v: ~,s> Q.1.llNn ~ g ~ (\~Ji\\n\~{(L,ti\(e>~tk~ .... ..... 6:j ~<:;t ,~:nu1l1 Street ". ~u\\S\e-! PR- !1DI~-3WS~ . . PS Form 3817, January 2001 .1 ~, ..............--..............,.' u.s. POSTAL SERVICE CERTIFICATE OF MAILING 0 "IT <<1 ".4" _ 0 0 ~tVR"''''''''~''o''''''''-~T'~.''~'''~-'"_,_",, ..... ----;c-. ~ II"' O)~ ~ 'I ","L ",,7' ;:: ~ · v uJ RJM 13-10 \. ...lO'O ::: '--. ~ ~ Q;:: 8 f' P' t 1 (D' t .,; " . I~I 0: Q 0 (.) [arvey, ennmgton. ea. . It E ~o Q, 1'835 Market Street, 29th Floor ~ #( I ~ - Philadelphia, PA 19103-2989 ".. If~r< f t~ 2 ~ One Piece of ordinary mall addressed to: ~ ,".. }. <( ~ 0 I \, ~ ~ ~ 'IT ':l l.Gl'.hl::i[\C\ fnl)~'1 ~.A'l)as\r&nhlypTrll~L ~&>Q.1.llNn ~g ~ -:-lC Intcrl:tu-\ FLLrdil74" L1 C lllierlion:~ '~rlA1'i17 1.l4-dS ~ncp. ~ leon EW.lf.Vfloj ?~ Cu(Q\ wtks? FL 33IY~ PS Form 3817, January 2001 .. .~ . . ~. , .1", " t r: t , f f [ f ) . (') r-> ,--;> c"~<") .L.- C) (' .I ---, r".' --_I --1 ~ .-, -T:!J i'nr-- -rJ rn -ocr ;._) C) -j -" .. OJ )-.; -;- f,-, ~ ~ 'I . (l. ~.~ ':~i:~ .-<, c., r -.l otf.., fa 9 (p COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND } SS: I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby ce ify that the Sheriff's Deed in which IB Property Holdings LLC is the grantee the same having been s Id to said grantee on the 2nd day of March A.D., 2005, under and by virtue of a writ Execution issued the 27th day of Oct, AD., 2004, out of the Court of Common Pleas of said County as ofCivi] Term, 2 04 Number 696, at the suit ofWachovia Bank N A tr against Bettv Wright heirs is duly recorded in Sheriff's Deed Book No. 267, Page 4495. IN TESTIMONY WHEREOF, I have hereunto s t my hand ;-tl- and seal of said office this day of of Deeds Wachovia Bank, N.A, as Indenture Trustee The Court of Common Pleas of VS Cumberland County, Pennsylvania Unknown Heirs at Law of the Estate Writ No. 2004-696 Civil Term Of Betty Wright, deceased David McKinney, Deputy Sheriff, who being duly sworn according to law, sta es that on December 08, 2004 at 9:22 o'clock AM, he served a true copy ofthe within R al Estate Writ, Notice of Sheriffs Sale and Description, in the above entitled action, upo the within named defendant, to wit: Unknown Heirs at Law of the Estate of Betty Wri ht, deceased, by making known unto Charles Wright, personally, at 433 North West St., Carlisle, Cumberland County, Pennsylvania, its contents and at the same time handin to him personally the said true and correct copy of the same. Jason Vioral, Deputy Sheriff, who being duly sworn according to law, states t at on January 03, 2005 at 8:06 o'clock AM., he posted a true copy of the within Real Es ate Writ, Notice, Poster and Description, in the above entitled action, upon the property 0 Unknown Heirs at Law of the Estate of Betty Wright, deceased, located at 433 North West Street, Carlisle, Pennsylvania, according to law. R. Thomas Kline, Sheriff, who being duly sworn according to law, states he served the above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to the within name defendant, to wit: Unknown Heirs at Law of the Estate of Betty Wright, deceased, by regular mail to their last known address of 433 North West Street, Carlisle, PA 17013 This letter was mailed under the date of December 29, 2004 and never returned to the Sheriffs Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Courthouse, Carlisle, Cumberland County, Pennsylvania on March 02, 2005 at 10:00 o'clock A.M. He sold the same for the sum of $1.00 to Attorney Robert Murtaugh for IB Property Holdings, LLC. It being t e highest bid and best price received for the same, IB Property Holdings, LLC of 4425 Ponce De Leon Boulevard, 5th Floor, Coral Gables, FL 33146, being the buyer in this execution, paid to SheriffR. Thomas Kline the sum of$723.77, it being costs. Sheriffs Costs: Docketing Poundage Posting Bills Advertising Acknowledging Deed Auctioneer Law Library Prothonotary Mileage $30.00 14.19 15.00 15.00 30.00 10.00 .50 1.00 7.40 )/ ~i\\). ~ Orv rQ <tY \.J ).P it :>,\\0 lY Certified Mail Levy Surcharge Law Joumal Patriot News Share of Bills Distribution of Proceeds Sheriffs Deed $ 1.76 15.00 20.00 191.00 277.69 30.73 25.00 39.50 723.77 Sworn and subscribed to before me This dL day 0["111", A-r i.. 2005, A.D. Prothonotary -z,,>:V. ~~:,<~~ R. Thomas Kline, Sheriff BY \lv~S~ Real Estate eputy .... HARVEY, PENNINGTON LTD. Robert J. Murtaugh, Esquire Pa. ID No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Telecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Trustee W ACHOVIA BANK, N.A., as Indenture Trustee: c/o Interbay Funding, LLC 4425 Ponce De Leon Boulevard, 5th Floor CoralGables,FL 33146 IN THE COURT OF COMMON PEAS CUMBERLAND COUNTY, PA Plaintiff, : CIVIL ACTION - EQUITY : MORTGAGE FORECLOSURE v. UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED : Docket No. 04-696 Civil Term 433 North West Street Carlisle, PA 17013 Defendant( s). AFFIDAVIT PURSUANT TO Pa.R.Civ.P. RULE 3129.1 Wachovia Bank, N.A., as Indenture Trustee, Plaintiff in the above action, set forth the following information concerning the parcel of real property being sold, located at 33 North West Street, Carlisle, County of Cumberland, Commonwealth of Pennsylvania 17013 which parcd is more fully described in Exhibit "A" attached hereto and incorporated herein y reference: A. Name and addresses of owners or reputed owners: Names: Addresses: Unknown Heirs at Law ofthe Estate of Betty Wright, Deceased 433 North West Street Carlisle, PA 17013 B. Name and addresses of defendant(s) in the judgment: Names: Addresses: Unknown Heirs at Law of the Estate of Betty Wright, Deceased 433 North West Street Carlisle, PA 17013 695367_1 .. C. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Names: Addresses: Wachovia Bank, N.A., as Indenture Trustee Attention: Matthew Coburn c/o Interbay Funding, LLC 4425 Ponce De Leon Boulevard, 5th loor Coral Gables, FL 33146 General Motors Acceptance Corporation 2122 Broening Highway Baltimore, MD 21224-6602 General Motors Acceptance Corp. c/o William T. Molczan, Esquire Weltman, Weinberg & Reis Co., P.A 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 Commonwealth of Pennsylvania Department of Revenue Bureau of Compliance Department 280946 Harrisburg, P A 17128-0946 Reliance Finance Company 800 South Cameron Street Harrisburg, P A 17104-2525 Reliance Finance Company c/o JeffreyN. Yoffe, Esquire Y offe & Y offe, PC 214 Senate Avenue, Suite 203 Camp Hill, P A 17011 D. Names and addresses of the last recorded holder of every mortgage of recor Names: Addresses: Wachovia Bank, N.A., as Indenture Trustee Attention: Matthew Coburn c/o Interbay Funding, LLC 4425 Ponce De Leon Boulevard, 5th FI or Coral Gables, FL 33146 E. Names and addresses of every other person who has any other record lien on he property: Names: Addresses: None 695367_1 - .. EXHIBIT "A" - DEED DESCRIPTION ALL THAT CERTAIN lot of ground situate in the Borough of Carlisle, untyof Cumberland, State of Pennsylvania, bounded and described as follows: On the North by Property now or formerly of the Heirs of Charles Shaple , Deceased; on the East by an alley; on the South by Property now or formerly of George McIntire; and on the West by North West Street. Extending in depth a distance of 100 fe t from North West Street to said alley, and having a frontage on said North West Street, 200 feet and having thereon erected a frame dwelling house known as No. 433 North West Street. TAX PARCEL NO. 06-20-1798-233 TITLE VESTED IN Betty Wright, by Deed from Carlisle Opportunity Ho es, Inc., dated 01/30/1990, Recorded 01/05/1990, Book I 34, Page 1009. 695367_1 "- ' HARVEY, PENNINGTON LTD. Robert J. Murtaugh, Esquire Pa. ill No. 57494 1835 Market Street, 29th Floor Philadelphia, PA 19103-2989 Telephone: (215) 563-4470 Telecopier: (215) 568-1044 Attorneys for Plaintiff, Wachovia Bank, N.A., as Indenture Trustee W ACHOVIA BANK, N.A., as Indenture Trustee: c/o Interbay Funding, LLC 4425 Ponce De Leon Boulevard, 5th Floor Coral Gables, FL 33146 IN THE COURT OF COMMON PEAS CUMBERLAND COUNTY, PA Plaintiff, : CIVIL ACTION - EQUITY : MORTGAGE FORECLOSURE v. UNKNOWN HEIRS AT LAW OF THE ESIA IE OF BETTY WRIGHT, DECEASED : Docket No. 04-696 Civil Term 433 North West Street Carlisle, P A 17013 Defendant(s). NOTICE PURSUANT TO RULE 3129.2 OF SHERIFF'S SALE OF REAL ESTATE TO: The Defendant, Unknown Heirs at Law of the Estate of Betty Wright, Deceased, Mortgage Holders, Judgment Creditors, Lien Creditors and All Other Parties-In-Interest Entitled to Receive Notice TAKE NOTE THAT by virtue of the above Writ of Execution issued out fthe Court of Common Pleas of Cumberland County, Pennsylvania, and to the Sheriff of Cum erland County, directed, there will be exposed to Public Sale at: Cumberland County Courthouse One Courthouse Square, Carlisle, PA 17013, on Weduesday, March 2, 2005, at 10:00 o'c1oc a.m., the following described parcel of real estate: 433 North West Street, Carlisle all in the County of Cumberland, and Commonwealth of Pennsylvania 17013; SEIZED AND TAKEN pursuant to a Writ of Execution issued upon a foreclosure judgm tin favor of Plaintiff, Wachovia Bank, N.A., as Indenture Trustee and against Defendant, U own Heirs at Law of the Estate of Betty Wright, Deceased, docketed in the Prothonotary's Offi e of the Court of Common Pleas of Cumberland County, Pennsylvania at No. 04-696, in the ount of $77,063.95 plus continually accruing interest at the rate of 12.00% per annum or $20.4 per day from August 28,2003 up to and including the date of sale of the property and costs 0 suit. 695367_1 NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action. 1. The sale will be canceled if you pay to Plaintiff the back payments, te charges, costs and reasonable attorney's fees due. To find out how much you must pay, y may call Robert 1. Murtaugh, Esquire at (215) 563-4470. 3. You may also be able to stop the sale through other legal proceedin 2. You may be able to stop the sale by filing a petition asking the Co strike or open the judgment, if the judgment was improperly entered. You may also ask th Court to postpone the sale for good cause. 4. You may need an attorney to assert your rights. The sooner you con act one, the more chance you will have of stopping the sale. (See notice below on how to obta n an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU AVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. I. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the bid price by calling Robert J. Murtaugh, Esquire at ( 15) 563-4470. 2. You may be able to petition the Court to set aside the sale if the bid as grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full due on the sale. To find out if this has happened, you may call Robert J. Murtaugh, Esquir (215) 563-4470. 4. Ifthe 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. 5. You have the right to remain in the property until the full amount du IS paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time the buyer may bri g legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your real eslate. A schedule of distribution will be filed by the Sheriff on or before thirty (30) days a er the Sheriff s Sale. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriffwithi ten (10) days after the filing of the schedule. 695367_' , 7. You may also have other rights and defenses, or ways of getting you property back, if you act immediately after the sale. YOU SHOULD TAKE THIS NOTICE AND THE WRIT OF EXECUT ON TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANN T AFFORD ONE GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL ADVICE. CUMBERLAND COUNTY BAR ASSOClATION Lawyer Referral and Information Service 32 South Bedford Street Carlisle, PA 17013 Telephone: (717) 240-2700 LLEVE EST A DEMANDA A UN ABOGADO IMMEDIA T AMENTE. I NO TlENE ABOGADO 0 SI NO TIENE DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VA Y A EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA C A DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AERIGUAR DONDE SE PUEDE CONSEGUlR ARISTENCIA LEGAL. CUMBERLAND COUNTY BAR ASSOClATION Lawyer Referral and Information Service 32 South Bedford Street Carlisle, PA 17013 Telephone: (717) 240-2700 PURSUANT TO THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT, Y U ARE ADVISED THAT THIS FIRM MAY BE DEEMED TO BE A DEBT COLLECT R ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL E USED FOR THAT PURPOSE. ., HARVEY. PENNINGTON LTD. By: f /' / ROber! J. Murtau , squire PA 1d. No.: 574,94 29th Floor, 1835 Market Street Philadelphia, PA 19103-2989 Telephone Number (215) 563-4470 Telecopier Number (215) 568-1044 Attorneys for Plaintiff 1: ! Date: i ", r i "I , 2004 695367_1 EXHIBIT "A" - DEED DESCRIPTION ALL THAT CERTAIN lot of ground situate in the Borough of Carlisle, Co ntyof Cumberland, State of Pennsylvania, bounded and described as follows: On the North by Property now or formerly of the Heirs of Charles Shapley, Deceased; on the East by an alley; on the South by Property now or formerly of George McIntire; and on the West by North West Street. Extending in depth a distance of 100 feet om North West Street to said alley, and having a frontage on said North West Street, 200 feet, d having thereon erected a frame dwelling house known as No. 433 North West Street. TAX PARCEL NO. 06-20-1798-233 TITLE VESTED IN Betty Wright, by Deed from Carlisle Opportunity Hom s, Inc., dated 01/30/1990, Recorded 01/05/1990, Book I 34, Page 1009. 695367_' WRIT OF EXECUTION a'ld/or ATTACHMENT . COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 04-696 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due W ACHOVIA BANK N.A., AS INDENTURE TRUSTE Plaintiff(s) From UNKNOWN HEIRS AT LAW OF THE ESTATE OF BETTY WRIGHT, DECEASED, 43 N. WEST ST., CARLISLE PA 17013. (I) You are directed to levy upon the property of the defendant (s)and to sell REAL ESTATE LOCATED AT 433 N. WEST ST., CARLISLE PA 17013 (SEE LEGAL DESCRIPTION (2) (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 fro paying any debt to or for the account of the defendant (s) and from delivering any property of the defenda (s) or otherwise disposing thereof; (3) Ifproperty 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 hiuv'her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $77,063.95 Interest to 8/28/03 at the rate of Atty's Comm % Atty Paid $182.60 Plaintiff Paid Date: OCTOBER 27, 2004 L.L. $.50 12.00% per annum or $24.09 per diem Due Prothy $1.00 Other Costs CURTIS R. LONG (Seal) By: JJ , \ Deputy REQUESTING PARTY: Name ROBERT J. MURTAUGH, ESQ. Address: 1835 MARKET ST., 29TH FLOOR PHI8LALDELPHIA PA 19103-2989 Attorney for: PLAINTIFF Telephone: (215) 563-4470 Supreme Court ID No. 57494 Real Estate Sale #16 On November 30, 2004 the Sherifflevied upon the defendant's interest in the real property situated in Carlisle Borough, Cumberland County, PA Known and numbered as 433 N. West Street, Carlisle, more fully described on Exhibit "A" Date: November 30, 2004 ByJod4Srutt, Real Estatg Deputy ~ ~ -"~ ,€v ~ filed with this writ and by this reference incorporated herein. t l] :l d I - ^ON ~OOl V'd 'UHIIO:; mrviU:.llkH\J .:,uUGHS 3Hl .:103::11.:1.:10 , " . THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss James L. Clark, being duly sworn according to law, deposes and says: That he is the Accounts Receivable Manager of The Patriot News Co., a corporation organized and e .sting under the laws of the Commonwealth ofPelll1sylvania, with its principal office and place of business at 812 to 18 Markel Street, in the City of Harrisburg, County of Dauphin, State ofPelll1sylvania, owner and publisher ofT Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that The Patriol-News and The Sunday Patriot-News w re established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously publish ever smce; That the printed notice or publication which is securely attached hereto is exactly as printed and publ shed in their regular daily and/or Sunday! Metro editions which appeared on the 18th and 25th day(s) of January an the 1st day(s) of February 2005. That neither he nor said Company is interested in the subject matter of said prin d notice or advertising, and that all of the allegations of this statement as to the time, place and character of pub. cation are true; and That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to veri this slatement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimouslypa ed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book' Volume 14, Page 317. /1 PUBLICATION COPY SALE#16 REAL ESTATE SALE No. 18 WrltNo.~ ClvllTerm Wachovla Bank, H.A., As Indenture Trustee v. Unknown Heirs at L8w of the Estate of BelIyWrlgh!, Deee88ed Ally: RObe,,! Murtaugh DESCrIPTION .~ AIL TIIAT CERTAIN lot of ground situate m the Borough of Carlisl~ County of Cumberland. Stale of Pennsylvania, bounded and described as follows: On the Nonh by Property now or fonne,ly ,f the Hcits of Charles Shipley. Deceased; on tlte Fast by malley; on tlte Solllll by Property now " funnerly of George Mcintire; and on tbe West by Nonh West Slre't &telWg m Oeptb. dis-tance of 100 feet from Nonh West Street ID said alley, and bavtng a frontage on said North West Street, 2llO !eel, and ba<ing /bere.on erected . fnme dwelling house known as No. 433 North Wesl S"'l. Tax Pmel#\J6-20-1793-23J. TIfLIJ VESTED m Betty Wrigbt. by Dee:J from Cadisle Oppor-llmily Home..Inc.. dared 011 311'-199D. _ O1lll5l199D. Book J 34 "'_ 1009. ' ..... / ;' 'I ' If, L( .........................................C............,......................................... NOTARIAl. Teny L. Russell. N a Oiy of Harrisburg. Doup 0 My Commission Expires June 6. 2 Mem~IIH, p.,nnsvlVlInla A.:,\~!"ld3. 0 ARY PUBLIC ion expires June 6, 2006 CUMBERLAND COUNTY SHERIFFS OFFJCE CUMBERLAND COUNTY COURTHOUSE ONE COURTHOUSE SQUARE CARLISLE, PA. 17013 Statement of Advertising Costs To THE PATRIOT-NEWS CO. For publishing the notice or publication attached hereto on the above stated dates 277.69 Publisher's Receipt for Advertising Cost :her of The Patriot-News and The Sunday Patriot-News, newspapers of genera dge receipt of the aforesaid notice and publication costs and certifies that the me have By................................................... ................ PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA ss. COUNTY OF CUMBERLAND Lisa Marie Coyne, Esquire, Editor ofthe Cumberland Law Journal, ofthe County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland aw Journal, a legal periodical published in the Borough of Carlisle in the County and State afo esaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2,1952, been regu arly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland w Journal on the following dates, VIZ: January 14, 21, 28, 2005 Affiant further deposes that he is authorized to verify this statement by the Cumbe land Law Journal, a legal periodical of general circulation, and that he is not interested in the s bject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing .tatements as to t;. le, pi? -1 r,haracter of publication are true. / SW TO AND SUBSCRIBED before me his 28 day of Januarv. 2005 D~/ sf . V./{l7(frll/L/ Notary ..{~ .:e all.... , ~. REAL ESTATE SALE NO. 16 Writ No. 2004-696 Civil Wachovia Bank. N.A., as Indenture Trustee vs. Unknown Heirs at Law of the Estate of Betty Wright, Deceased Atty.: Robert J. Murtaugh EXHIBIT "A" DEED DESCRJPTION ALL THAT CERTAIN lot of ground situate in the Borough of CarHsle, County of Cumberland, State of Pennsylvania, bounded and de- sc.ribed as follows: On the North by Property now or formerly of the Heirs of Charles Shapley, Deceased: on the East by an alley: on the South by Property now or formerly of George McIntire; and on the West by North West Street. Extending in depth a dis- tance of 100 feet from North West Street to said alley, and having a frontage on said North West Street, 200 feet, and having thereon erected a frame dwelling house known as No. 433 North West Street. TAX PARCEL NO. 06-20-1798- 233. TITLE VESTED IN Betty Wright. by Deed from Carlisle Opportunity Homes, Inc.. dated 01(30/1990. Recorded 01(05/1990. Book I 34. Page 1009. '.