HomeMy WebLinkAbout04-1315THE LAW OFFICES OF BARBARA A. FEIN, P.C. File No. 03-10/22
Bazbaza A. Fein / I.D. No. 53002 Loan No. 830000742
Kristen J. DiPaolo / LD. No. 79992
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215)653-7450
Attorneys for Plaintiff
GMAC MORTGAGE CORPORATION,
Plaintiff,
v.
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
CONNIE L. PAYLOR,
Defendant.
CIVIL ACTION -- COMPLAINT IN MORTGAGE FORECLOSURE
NOTICE
YOU HAVE BEEN SUED IN COURT. JF YOU WISH TO DEFEND
AGAINS7 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 WRFITEN
APPEARANCE PERSONALLY OR HY ATTORNEY AND FILING IN
WRITJNG WITH 7HE 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 NDGMENT MAY BE ENTERED AGANST YOU BY THE COURT
WITHOUT FURTHER NOTCE FOR ANY MONEY CLAIMED IN THE
CObIPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY
THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER
RIGHTS IMPORTANT 70 YOU.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF
YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE
SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH
INFORMATION ABOUT FARING A LA W YER. IF Y OU CANNOT AFFORD
TO HIRE A LAWYER THIS OFFICE MAY BE ABLE TO PROVIDE YOU
WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
N077CIA
LE HAN DEMANDADO A USTED EN LA CORTE. SI USTED QUIERE
DEFENDERSE DE ESTAS DEMANDAS EXPUESTAS EN LAS PAGINAS
SIGUIENTE$ USTED TIENE (20) DIAS DE PLAZO A PARTIR DE LA
FECHA DE LA DEMANDA Y LA NOTIFICACION. USTED DEBE
PRESENTAR UNA APARIENC]A ESCRITA O EN PERSONA O POR
ABOGADO Y ARCHIVAR EN LA CORTE SUS DEFENSAS O SUS
OBIECIONES A LAS DEMANDAS ENCONTRA DE SU PERSONA. SEA
AVISADO QUE SI USTED NO SE DEFlENDE, LA CORTE TOMARA
MEDIDAS Y PUEDE ENTRAR UNA ORDEN CONTRA USTED SIN
PREVIO AVISO O NOTIFICACION O POR CUALQIER QUEJA O ALNIO
QUE ESPEDIDO EN LA PETICION DE DEMANDA. USTED PUEDE
PERDER DINEAO, SUS PROPIEDADES O OTROS DERECHOS
IMPORTANTES PARR USTED.
LLEVE ESTA DEMANDAAUN AHOGADOINMEDIATAMENTE. SINO
TIENE ABOGADO O SI NO TIENE EL DINEAO SUFICIENTE PARR
PAGAR TALSERVICIO,VAYAENPERSONAOLLAME POR TELEFONO
ALA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO
PARR AVERIGUAR DONDE USTED PUEDE CONSEGUIR ASISTENCIA
LEGAL.
Cumberlwd Cowty Court Administm[or
4th Floor
Cumberland Cowry Court House
I Courthouse Square
Carlisle, PA 17013
Cumberland Cowt Coup Administm[or
4th Floor
Cumberland Cowty Court House
1 Courthouse Square
Carlisle, PA 17013
(717) zao-czoo (71n zao-e2oo
NOTICE REQUIRED UNDER THE FAIR
DEBT COLLECTION PRACTICES ACT,
15 U.S.C. § 1601 (AS AMENDED) AND
THE PENNSYLVANIA UNFAIR TRADE PRACTICES
ACT AND CONSUMER PROTECTION LAW,
73 PA. CON. STAT. ANN. § 201, ET SEQ. ("THE ACTS")
To the extent the Acts may apply, please be advised of the following:
The amount of the original debt is stated in the Complaint attached hereto.
2. The Plaintiff who is named in the attached Complaint and/or its loan servicing agents are
Creditors to whom the debt is owed.
3. The debt described in the Complaint attached hereto and evidenced by the copies of the
mortgage and note will be assumed to be valid by the Creditor's law firm, unless the
Debtors/Nlortgagors, within thirty days after receipt of this notice, dispute, in writing, the
validity of the debt or some portion thereof.
4. If the Debtors/Mortgagors notify the Creditor's law firm in writing within thirty days of
the receipt of this notice that the debt or any portion thereof is disputed, the Creditor's law
firm will obtain verification of the debt and a copy of the verification will be mailed to
the Debtor by the Creditor's law firm.
5. If the Creditor who is named as Plaintiff in the attached Complaint is not the original
Creditor, and if the Debtor/Mortgagorrnakes written request to the Creditor's law firm
within thirty days from the receipt of this notice, the name and address of the original
Creditor will be mailed to the Debtor by the Creditor's law firm.
6. Written request should be addressed to:
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
Attention: Kristen DiPaolo, Esquire
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
THIS LETTER MAY BE CONSTRUED AS AN ATTEMPT TO COLLECT A
DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE.
THE LAW OFFICES OF BARBARA A. FEIN, P.C. o3-ioizz
Barbara A. Fein, Esquire / I.D. No. 53002 830000742
Kristen D. Little, Esquire / I.D. No. 79992
Suite 100, 425 Commerce Drive
Fort Washington, PA 19034
(215)653-7450
Attorney for Plaintiff
GMAC MORTGAGE CORPORATION,
Plaintiff,
COURT OF COMMON PLEA5
CUMBERLAND COUNTY
v.
CONNIE L. PAYLOR,
Defendant.
NO.04-1315 Civil Tenn
CERTIFICATION OF NOTICES OF SALE TO LIENHOLDERS
I, Dionne Winstead, Paralegal to Bazbara A. Fein, Esquire, attorney for Plaintiff, hereby
certify that upon information and belief, diligent efforts have been made to identify all
persons/entities having mortgages, judgments, liens, or other interest in the subject premises of the
foreclosure proceeding, and that such persons/entities have been sent Notices of Sheriffs Sale
(attached hereto as Exhibit "A") and that said Notices were duly served upon them in accordance
with Pennsylvania Rule of Civil Procedure Rule 3129. (Proof of mailing with a postmark date of
July 26, 2005 is appended hereto and incorporated herein by reference as Exhibit "B").
I declare under penalty of perjury that the foregoing is true and con•ect.
August 4, 2005
THE LAW C~'ICES OF BARBARA A. FEIN, P.C.
BY: (Dionne Winstead, Paralegal
to Bazbaza A. Fein, Esquire
Attorney for Plaintiff
co: Sheriffs Department
NEW JERSEY OFFICE
20000 Horizon Way, Suite 900
Moun[ Laurel, New Jersey 08054-0318
(856)596-5552
Barbara A. Fein, Esquire
Kristen D. little, Esquire
Member of Pennsy(vanio
and New Jersey Bors
(215)653-7450
FAX: (215)653-7454
Apri129, 2005
NOTICE OF CUMBERLAND COUNTY SHERIFF'S SALE
TO: All Parties in Interest and Claimants
OWNER(S): Connie L. Paylor
PROPERTY: 200 Fourth Street
Township of East Pennsboro
County of Cumberland, PA 17093
PITTSBURGH OFFICE
110 A[wood Street, No. 680
Pittsburgh, PA 15213
(412)361-8286
File No. 03-10122
Improvements:
One Story Residential Dwelling
Cumberland County
Court of Common Pleas
No. 04-1315 Civil Term
Please be advised that the above captioned property (and any improvements thereon) is scheduled
to be sold by the Cumberland County Sheriffs Department on September 7, 2005 at the
Cumberland County Court House, 1 Courthouse Squaze, Cazlisle, Pennsylvania. This sale is
scheduled pursuant to a judgment entered in the amount of $74,151.05 in the Court of Common
Pleas for Cumberland County.
Our records indicate that you may hold a mortgage or judgment on the property which may be
extinguished (removed) by the sale. You may wish to attend the sale to protect your interests.
A schedule of distribution will be filed by the Sheriffon a date specified by the Sheriffnot later than
thirty (30) days after the sale. Distribution will be made in accordance with the schedule unless
exceptions aze filed thereto within ten (10) days after the filing of the schedule. You may call the
Cumberland County Sheriffs Department at (717) 240-6390 for the date on which the distribution
schedule will be posted.
Sincerely,
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
BY:
Bazbaza A. Fein, Esquire
Attorney for Plaintiff
THE LAW OFFICES OF
BARBARA A. FEIN, P.C.
Suite 100
425 Commerce Drive
Fort Washington, PA 19034
EX BIT
DESCRIPTION
ALL THOSE TWO CERTAIN adjacent lots or parcels of land, together with the improvements thereon
erected, situate in East Pennsboro Township, Cumberland County, Pennsylvania, bounded and described
as follows, to wit:
BEGINNING at a point in the Northeast corner of the intersection of Fourth Street and a sixteen (16)
feet wide alley; thence Northwardly along the Eastern line of Fourth Street, sixty (60) feet to the
Southern line of Lot No. 93, Section "A", on the hereinafter mentioned Plan of Lots; thence Eastwardly
along the Southern line of Lot No. 93, Section "A", one hundred sixty (160) feet to the Western line
of a sixteen (16) feet wide alley; thence Southwardly along the Western line of said sixteen (16) feet
wide alley, sixty (60) feet to the Northwest corner of the intersection of said sixteen (16) feet wide alley
with the sixteen (16) feet wide alley first mentioned; thence Westwardly along the Northern line of the
sixteen (16) feet wide alley first mentioned, one hundred sixty (160) feet to a point, the place of
beginning.
BEING Lots Nos. 91 and 92, Section "A" in the Plan of Lots known as Summerdale, Pennsylvania,
said Plan being recorded in the Office for the Recording of Deeds in and for Cumberland County, in
Plan Book 1, Page 44 (Revised Plan, Book 2, Page'109).
HAVING thereon erected aone-story frame dwelling Numbered 200 Fourth Street, Summerdale,
Pennsylvania.
Tax Parcel #0912-2994052
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CIVIL ACTION -- COMPLAINT IN MORTGAGE FORECLOSURE
(a) The Plaintiff, GMAC Mortgage Corporation is the holder of a mortgage as
below described
(b) GMAC Mortgage Corporation is a Corporation having been organized under
the laws of the State of Iowa and having its principal place of business at P.O. Box 4622, Waterloo,
IA 50704
(c) GMAC Mortgage Corporation is the loan servicing agent for Plaintiff,
maintaining the business records for the Plaintiff/ Mortgagee in the ordinary course and scope of
business
2. (a) Defendant Connie L. Paylor is an individual whose last known address is 200
Fourth Street, Summerdale, PA 17093.
(b) Defendant Connie L. Paylor holds an interest in the subject property as both
a Real Owner and Mortgagor.
(c) If the above named Defendant is deceased, this action shall proceed against
the deceased Defendant's heirs, assigns, successors, administrators, personal representatives and/or
executors through her estate whether the estate is probated.
3. (a) The residentialmortgagebeingforecloseduponissecuredbypropertylocated
at 200 Fourth Street, within the Township of East Pennsboro, Cumberland County, Pennsylvania.
(b) All documents evidencing the residential mortgage have been recorded in the
Recorder of Deeds' Office in Cumberland County, Pennsylvania.
(c) The Mortgage was executed on July 13, 2000 and was recorded on July 28,
2000 in Mortgage Book 33-K, at Page 417.
(d) The legal description for this parcel is attached and incorporated as Exhibit
"A" (Mortgaged Premises).
(e) The herein named Plaintiff has standing to bring the instant action by virtue
of Assignments of Mortgage, duly and publicly recorded as below:
Assignor: EquiCredit
Assignee: GMAC Mortgage Corporation
Recording Date: As Recorded
(Assignment) Book: As Recorded
At Page: As Recorded
(f) By virtue of Pennsylvania Rules of Civil Procedure Rule 1147 (1) and
1019(g), and on the basis of environmental responsibility, Plaintiff is not obliged to append copies
of the above mentioned publicly recorded documents to this mortgage foreclosure action. These
documents are, however, appended hereto and incorporated herein by reference as Exhibit "B".
4. The mortgage is in default because the Defendant above named failed to timely tender
Uae monthly payment of $538.78 on June 1, 2002, and thereafter failed to make the monthly
payments.
5. As authorized under the mortgage instrument, the loan obligation has been
accelerated.
6. Plaintiff seeks entry of judgment in rem on the following sums:
(a) Principal balance ofmortgage due and owing $56,304.52
(b) Interest due and owing at the rate of 10.950% 11,712.44
calculated from the default date above stated
through March 29, 2004
Interest will continue to accrue at the per diem
rate of $16.78 through the date on which judgment
in rem is entered in Plaintiffs favor.
(c) Escrow Advances made by Plaintiff Mortgagee on 781.99
behalf of Defendant mortgage account
(d) Property inspections as a recoverable 170.00
(e) Recoverable Corporate Advances 1,454.35
(f) Other fees allowable under the loan documents 42.00
(g) Court Costs and fees as recoverable
under the mortgage terms, estimated 300.00
(h) Attorneys' fees 2,815.23
Calculated as 5% of the principal balance due,
in accordance with the mortgage terms
TOTAL IN REM JUDGMENT SOUGHT BY PLAINTIFF $73,580.53
7. (a) The attorneys' fees set forth as recoverable at Paragraph 6(h) are in conformity
with Pennsylvania law and the terms of the mortgage, and will be collected in the event of a third-
party purchaser at a Sheriffs Sale only.
(b) If the mortgage an-eazs aze to be reinstated or paid-off prior to the Sheriffs
Sale, Plaintiffs actual attorneys' fees (calculated at counsel's hourly rate) will be charged based upon
work actually performed.
8. (a) The original principal balance of the Mortgage is more than Fifty Thousand
($50,000.00) Dollazs.
(b) Under ACT 6, 41 P.S. §101, et seq., Plaintiff Mortgagee is not obliged to
serve Notice of its Intention to Accelerate the Mortgage by certified mailing prior to its instituting
foreclosure proceedings.
9. (a) The subject mortgage is governed by ACT 91 of 1983 35 P.S. § 1840.401 C,
et seq..
(b) Under Pennsylvania's ACT 91, Plaintiff Mortgagee is obligated to serve the
Defendant with notice of her rights under the "Homeowners Emergency Mortgage Assistance
Program", by regular mailing, prior to initiating foreclosure proceedings.
(c) Appended hereto and incorporated herein by reference as Exhibit "C" aze
copies of the Notices required, having been sent on the date set forth on the Notice.
(d) The Defendant has failed to make a timely application for financial assistance
with the Pennsylvania Housing Finance Agency.
WHEREFORE, the Plaintiff, GMAC Mortgage Corporation, demands:
-- Entry of judgment in rem against the Defendant above named in the total
amount of $73,251.95 as stated Pazagraph 6, plus all additional interest and
late chazges accruing through date of judgment entry; and
-- Foreclosure and Sheriffs Sale of the subject mortgaged property.
Respectfully Submitted,
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
BY: l ~7 a,~JLtti ,2 a '"l
Barbara A. Fein, Esquire
Attorney for Plaintiff
Attorney I.D. No. 53002
DESCRIPTION
ALL THOSE TWO CERTAIN adjacent lots or parcels of land, together with the improvements thereon
erected, situate in East Pennsboro Township, Cumberland County, Pennsylvania, bounded and described
as follows, to wit:
BEGINNING at a point in the Northeast corner of the intersection of Fourth Street and a sixteen (16)
feet wide alley; thence Northwardly along the Eastern line of Fourth Street, sixty (60) feet to the
Southern line of Lot No. 93, Section "A", on the hereinafter mentioned Plan of Lots; thence Eastwardly
along the Southern line of Lot No. 93, Section "A", one hundred sixty (160) feet to the Western line
of a sixteen (16) feet wide alley; thence Southwardly along the Western line of said sixteen (16) feet
wide alley, sixty (60) feet to the Northwest corner of the intersection of said sixteen (16) feet wide alley
with the sixteen (16) feet wide alley first mentioned; thence Westwardly along the Northern line of the
sixteen (16) feet wide alley first mentioned, one hundred sixty (160) feet to a point, 'the place of
beginning.
BEING Lots Nos. 91 and 92, Section "A" in the Plan of Lots known as Summerdale, Pennsylvania,
said Plan being recorded in the Office for the Recording of Deeds in and for Cumberland County, in
Plan Book 1, Page 44 (Revised Plan, Book 2, Page'109).
HAVING thereon erected cone-story frame dwelling Numbered 200 Fourth Street, Summerdale,
Pennsylvania.
Tax Parcel #0912-2994052
f
OaeoM sal Tatum a:
P9~!°ee u,~iiooc"0"~rra'~'i r~' . °ipt. 1 helgby cart
Jiea"aMM, a alas, on u° and cofret pa~~PY of the
gtnAl document,
($ttece Above Tb1" Line For ReoordMR Data)
Loan Nnmbar: SSZ100542A
MORTGAGE
T1II8 MOR7'OAGH(•secmity IneWmeae~) is giaen o0 7uN la. 2000
The mongago[ is CpNN7Er;. PAYLOR. A SEPARATED PERSON
("BO[rower")- This 6xvrity laemm:~t la given to . EaNCredl,
which u orgaWaW and exletlngtmder the lawn of North Ca[Wtna ,and whose address is
39 PnlJte 8aaare. Such 309 RNth~-Bain. PA 10703-1508 (Lender"). Bortoarr owes Linder
dte principd sum ad' F~rY CrX THDiII)AND,erGHT 1CDNDRten Donnas
(U.S. S 56.800.00 ). This debt ie avideacad by Borrower's auto dated the same date as this Security
Inetrumenl ("Note"), which provides formomldypaymeate,,vlth the OrS debt, anal paid.enrliar, due sad payable ao _~
eug0et f. 2030 TWs Sectro{y Inetrunrem secuees to Leader: (a) the [epgymmt of the debt evidenced by the Note,
with intaes4 and au reaearele, maemtona and awdi5tations; (b) the payrmm of an other mums. with lnteres4 advamed
under pa[agraph 7 m protect the aeaulry ~ tide $ecarity Iashntmonk end' (c) the petihrrnanse of Honuwm'e eovananta and
sgreenteate under iMe SetmOy Lrelmmcnt sad the Noh, .For lh~ pttepou, Borrower does hereby raortpgC, Sram sod
convey to Lander tde finowing doaa[naed pmperiy located iu CDMNF.Rt.AND Cwaty,
Pettaaylvaaia:
5E& EXAIDTr "A" HERETO ATTACHED AND HY T1II8 REFERENCE MAHE A PART HEREOF
~ ~ t ~~ i t t ~~~ i~ r> > ~~ i~
" eppZ83a7a1 N°1
fl61M
wlddl bRe tbo addrae of 100 FOT,RTR STI~ttT gi11Na7RRDA7.F.. BA 19093
[Sn«t. City. State, zip Code] ("PmpertyAddmse"F
TOG'8T)~R with an dte impmvemenh sow or hcneaRc eteclad m the properb. and all esamwttn, rigb>$
appmtemu,ca, sad aS 1)atares now ar het[after a part:af the property. All xcptatxmcaa and eddithme Wa0 also be coverd
by Chia Setaaity Itwrommt A11 of the Rragoingia refenW to in thin Sacadty InRrovunt as the "Property."
HORROWffit CAVJiNANTS that Borrower Y LwfuUy seised as the esmh haehy convgcd end has the right to
aartgagq grant and movry tho.PropeltY and tbat:tho-Propcriy it ontmWmbered, °aenpt for etaarmbrances of record.
Horcower watrmta and adll dedmd geaaalty the lido to the Prepay against oU ckima atW Aratutlde, aubJea to
eneumbnaeesdreaord.
THIS SECfJR17'Y INSTRi)hffiNT coroMme ntdrurm covenants Jbe aedonal nee and son-tmiform covenanp with
]lmited varladom by JoriWlcUOn to etmtdnth a naft6rrlr aeCUrity itnnuanat covalag real property. .~
UNIFORM COVENANTS, Borrower andLeadarcovmmt sad agrocaIDSOwa:
/. Payntme.o(Prdadpal sad itde,'ast; Prcpggee, and Late Charges. Hw[oacr also wampdy Pay when due
tha pdaapal of and iulaest oa the debt widentaA by the Nate sad soy ptepayatem and late ehatg¢a due nndor lhC Notes
Form 0{78PAFirst M0M18a8es (3/97) Page 1 of 6
~. .....;
.2.
1 Prods Ipr Taxes asd Iasarertce, gttBJet:t. to appdcaWe A(tl or W a tvtittan waiver by LenAOt, Borrower shall
~.., pay m Lander on file dayrpppthty paymata ue due under the Kota, wtil iha Noa le p.la m full, a sum (•FUttde") for. (a)
yeetly axaa and titeaemetta whklt twy ataia priority over thb Secpoly lmtntmait n (~ lion oo the Praparty; (b) yearly
.leasehold pryrornta or gmprtd rertm on [hc t'<opsrty, if apy;'(c) ymdy harsrd d property taeuraace prerpipms; (d) yearly
flood insurartae praniume: Haay; (e) yemly mortgage insurance prcmimru, ifasq; aM (p ary auras payable 6y Hortowa ro
_ Leade[,in amordance with the provldom d lare8~ 0. pt lien d the payment dmortgage inaoanp pmmiums, 71wee
Rama are called "Bwraw Itmu." l.andar linty, at any timo, mlle6t and hold Fuada m m spinout not to exceed the
madunun artamtt a loader for a fbderalb rolaad utatgage loan wuy oquirod for BoerowerL pot'ow amount hoder the
fcdasl Rol P.Mate 9atlateart Yromdiaea Aa d 197{ u amended ltolrt time m ilmq 12 U.g.C. gaol et seq. ("RPSPA"},
unless snothv aw tba[ epptla to tM IItmtb sea a Inver amount. I[q, [.ender may, a[ saY lime, maem amt bold Ptrrds la
an amount sot m exomed the teaem~ amount. Leader may pdmsa the emoont dFunde due on the W W dourrent Ma and
reaeowba aailutates oPexpendimros oPNtare Hsaow Items or otherWlse in sCeordanca with applicable aw. '
'... The Elands shell beheld lawn ieeiilutloa whose deposiu are inmred by a aderal egmey, Wttrumutattty, or omlry
(including Lends, u I.eM6r to such ao 1nNroiloa) or in any Faaol Noma Loan Hrnk Larder elan apply the Funds to
Pay thoeacrow lame. LeMer may not charge Borrower 16r holding and applying the Funds, annually gnatyziag the escrow
accowt, or vultying Wes Hstxow Items, wipes Ltmdat pays. Barower.lnlerpt m rho Funds and applcable law pamia
Lander m make ewh a Charge. $owavar, under may tegalre Borrower m pay a ose•Luu ohmga for an tndepsaam reel
esaa axrepordeg aervip wed byl.ender Nnanneclion with thla bran, ndese appllpbU htw provides atltmwiu. Udas
as agremnwd ie mnda p applinbfe IoW rtgdres-lrtteroet to 6a pet4 L,mder~ ah611 not b0 7agtdred N pay eo[rowar arty
iwaesl a enmials an the FUON. Harrower ard~I.wder tray ogee in writing, howareg tact Iaareu shalt be paid on the
Fuade. Linder ehdl ghpe ro Harrower, withopt darge, en aaawl atodtnling dthe Fmde, ehowlag eredla sad debla a the
'. Funds end the pmpoae for width. each debit m the Fnnda was made. The Fuada am pledged u addhiaaal eeeur)ty for ell
saw eeoet'ed by Ihy gaaaity Inalrt ~+
if ua Fwds held by Lander etrped the emounta perattad ro bs hold by epptlpble taw. loader shall acauu[ m
Botmwar ibr the exoeu FundaM twoadanas wits des ttgdtemaoa dapplleeble aw, ultra annum d des thmds bola by
- louder M any-1?IDO le aOt tu1S01M[ (0 pay fha HaemW Ilema W]Mn dW, Lander may 60 ae[tl)' HerreAlr In w7ltiDg, gad, 16
ouch pee Hottotvee shall pry b loudest the amount npt:.esBary to make up-the de[Itlrnry, Henower shell make up the
doflclea,Y la no mom than twelve utonwH pt(ynlmtte, at Lendetk acts dtacrotion.
Upon prymen lp full d all soma aecuxd by lhit 9ecurib Imtrmatant, Lender shall prompt' mlimd to Borrower arty
Pwde-held by Lpdei. IR under paregeph 21, Lender shell acqulro or sell the Property, I.mder, prior ro the acquisition or
role d the progeny, pludl. apply any Ftmds held by Lcnda a( Ote dine d acqusition or sots as a credit againri tba sums
adat2d by this BecmLLy IoRntmen4 .
3• APP~ataa d Faymeete Utilew apptlptble law ptovldae othetwls0. all payuxaa [aeivad by Linder uadcr
paragaplu 1 and 2 shell ba appBcd; firm, to arty preprymeot chergae due under the Nara: aeeond. m aatatuus payable
order pa[ngaph 2; th1M, to IMaaet dtte: fouril4 to I~Ind doe; and last, m any Lta charges due under the Noa.
q, Caarya; Llena. Hmrewa aludl pay all axes, a9aeasmOma, eluugea, imp and imprxidow attrlbuable to the
Propery ("Propcrry Taxes' which may alma priprfy owes' tNe Seatlilty 1psWmenL and leamhdd paymerw a ground
rept4 if any. Borrower ehaB pay these ebllgationa in the meaner provided in paragap6 2. or N inn paid N that mmmer,
~. Horrowac stall pry them on drne diratb to the persw owed paymonl, Hortotver shall promptly lbrnieh to Ionder ail
notioer dantcunta ro Wpaid ttmlm thaparpgmplt. 11 Borrower makes these paytttasa dltmdy, Borrower clWl P~PilY
fumiahto Lender t'eoelPta cvldencing Ne pq'mmla In tha.event Honotter fail ro Pay arty dw and ptgaWe Property Taxes,
Leader may. In ire role discralon, pay latch CMrgCi and add the amowa thereof m Ua prir~elpal amount dthe loan aenurad
by the Itecurhy Inatnuawf oa which intaeel shell axnm m lbe oontraot ore set Arthln the Notes
' Eonewor shall promptly dlacharge any uen wtdch tasprlerlty awc tNs tlmuclry Inoaurttent mttab Borrower: (.)
'. egrca m wridnt m the psyroem dthe obllgatiat aocmed by the twt is a meawr aappabro to Lender; ro) contaeu in goon
'~ and Na.iktt ly, er aeaaas aisioet aoCaimmaat d the Bgn'n4 legal proceeding wWah m the laMa"e option operate to
prevem the edormnartt d the lies or fotRlturo d mw part tithe Propony; or (e) eccures from the holder d the llm ao
agreement aAtislbctory toLender wbordineting the pert ro dda9ccurlty Inewmeni If Leader determines that any part d
the Property is subject to a lion which may atWrt prlodty owr lilies Secndty Instrpmem, t.Cpda may give Hormwar a Walks
Identi4yirrg the Ilan. Bonowcr elmB satiety the lien Or take Oee ormme tithe aglow set Aorta abOVC wIWM 10 duya tithe
giving dmUce:
'. S. ~ 8wrd or Property Iamrapce. Borrower shall rasp the improwmena caw exatlpg or haeaRer'Ctactad on
. the Propety Inwred against for by IIm, htw(rds iaduded yviWla the term "mdaded mvmage", and arty other hearties,
incluatag Goods or flooding, Cor which testier ragnlaa iasmpnoo, Thte imutattce stall ba utainained lathe autama and
mr the periods that Lander regrdop. The.Iworaiwo carrier provldiag the Itteueanp shell be ohouu try Horreuer subject to
Iondar's approval which shall nor w tmrowonably wiWhold. In ties event Hortowa ibis m mamWe lanmrd iwuraoce
' (Including any raphad flood iwurenp) to an amotuu w®cieot to aildY aU todCpednaN, Afa, and chargm awed Lauds
(In addidogto paymm[ d Nl liow and tdutrges wnlph. mry have prbrity over Lendar'alntetest In the properly), Laude[
' rmy,.hi~ln ba Qisarodoa. ebtdn anM iasartl[tp ttamipg fader as the wok 6enagdary (single lmetesl oowoge). I.aoder
', may add soy pramitma geld ibr oath iawmnp re rtes prladpel salami d the tan eearred b1 this Sacorl¢ laatrumeet on
whkh imcrou shell amroe at the contract raaaet /brthw the lYata HBormwer &ila ro aalmNn omrorage 4ewtlbcd above,
j testier mry, at LaodePa epdon, obatn oovedtge m protect Icnddi rights m the Ptgwrry In seeordsvoa vdm paragraph 7.
All imuraop pollolae sea waeaaa. stall b eaceptehle a ~Ioadvr and ahaR indutb a etmderd tmtfgp clause.
Lender shell have the right tolaid tM pdklaaatid reinvests. If testier rcquiraa, ilonorver shall promptly glue to Lender
all reodpu dpat8 p[aahtms aaarCnewnl Waite. - Ip the swat dips; liorrowar shall glue Prompt Wattle ro the lnstuance
cerr'!cr and Leader: Leader may male proof dlosi Ittrol made pmmpt(Pby Borrower.
Ua1m~Lmder and Bortower athetwlsp ogee in writing, lnsureeoe prooads shall ba appllad m ratotatiw or repatr of
We Property damaged, if the rptoraliort or. [epair a awaotnkdly toanwe and I.endere security a sot leaeaaad t<the
rocloranm or repair u reu eegrmmiaally leaslbta err r emmv rewriry [ovoid M kewne4 ties trwuanee prooeata fhail 6e
applied to the aunu seared; by ddi Beaoly insnummt, whemor or iq( then due, with espy exoeea paid m laotrorvcr.. If
Borroxer abandon the Preppty, 0[ does rot enaraet' Wllllla 30 drys a Iwilce Aiem Leader that the Irtanoece Lanier lees
oH7ued m eeldea claim, Nm Lauder mry oolltxd the imn[eacc pmeeeds. Lender may sae Ilia ptnueds m repair or restore
the Propeety er b pay wins eaeurat by this gaenrNy. InatremmL wlrthar or rtot then dw. 'Thor 9lMry perkd will begin
when the aotlp ix ghwt. -
Fam ae77 PA(eM!) Pspxef6~
~3-
Unlecs Lender aad Horrortar otltetwiw agree in wtltlag, atq appHentlon of procmda m prindpal shell rot mdmd or
ptalporC the due ties of the itlomhly ptrymenh tefmred a 1n paragrapLa 1 and 2 0[ Nmage the antotrit. of Pie 1atYnteme. if
under paragraph 21 the Property h aogoited by Leader. Itorraa~'e rghq a airy iamreaw polldea and ptuoeada malting
ltom damage a the PmPerq prior a the acgalritioa shall pane a taiula m the etirom of the wine rerrod hY tltte 9eprtlty
InsittmmtimmcdLaely prioralhCtmgddtion.
6. Oemparey, Preservatlm, Malataaanee.aed Protettlm o[ tae Propertyt Borrower's Ism APp~Catieii
Leaaeholda Borrower shell owupy, eeublhh, and ur the Properly u Hormwm'e trrinoiPN rctldeace wlthiu alxty days
eder the eaecrtion ~'thh 9aCUrlty Irelrwnmt and shell wntviae a occupy the ]?ropeity r Harmwer'e prirroipN maidence
for u leap one year after the tits o[ owupaney, unlw Lender oUu;rwim agreed In wrttlag, whkh wneem elulll not bo
unrrwnatrtyw)thheld, m unler iudmuattng circurneuncr eider which are lityond Horrovvex's wntroL Borrower shnU not
destroy,. denaga a impair tlm Property, allow the 1roperty to dctc9orau, or commit waste on lac Progeny. eormaror sLeU
x in detlndt H say forfoimre action of procroding, wlushv otvil ar orhnlael, h bagm that in l.errdas good fattltluderomt
Could icautt m fufeitore of the Proprty ox bllmrwhe roatmidly impair the lien ctrted by thin 6moity Ineavmrnt a
Larder's security inters. Borrower may sue such a default and reiretete, u- provided in paiagmph 18, by cauelrg the
attics or Proceedlag m m dtemheed with a toting tint, in I.mdm'a good feRh dc'torttdnatlon, pmcludr 8o8aimre of IhC
eorrowee's Intme& in the Pmpetry or otLCr aeaterid impauaiait o! the Uea created by this 8ewxlty lnetmrnprt or Lender's
rcntiry intact. ]9oriower aL9H be 1n det9nh if liottoxvy during tlm lava appUCadan prover, gave materially ftlee or
inaccurate lalbrmatlon m eMUmmta m Luafu (or.>tiited m. provide [soda with any matsrlal infotmeden) in convectloa
with the loan ev)Acnced by the Noto, including, bat na Iimitad m, reprexntatioae wnwroag HmtoatYa owupaacy of the
Roperly ac a ptlnapal raidmoe. ff tine SccuiLY Lutwnwt ie on a Irarhold, Hotmrar ehaH wmply with au the
pmvhkru otlLe keae. ff HmNwtt acquttae fte UUC m thaPmperiy, the IeaselaW end the tae title shall not merge adcr
Lender agrara the iiiprger bwritlng.
7, Proteetlon ~ Leader's Rights b the Propertyi Lfsrtgage l'nwranc~ ff Hoaawa lhih m perform the
coveoarh sad ag'r¢entents comaiaed a tw security IaeuonteaR or thine h a lepl prowedbg thu may aignMmntly a&a
Iaiabt's Nghta Ip the-Property (htclydiug wlUwub tlmlutlm a prooecding m banlnvptcy, probate, wn~innation or m
enforce other ]awe sad mguladona), then Ianrlh may do8ud pay Boa wharves h rCCEesarl' a protect the valna of tlu
Ihoperty end ladder's rights b the Property. In adNtlmi, Grantor Qtdortgagor) wvnnents at all timr a do all tMngs
nCaesaiq m defend the tltk mall of the rid property. bin the Hexfldety (Mortpgee) shall Lave the light at any time m
atorwne is any suit eilbctlng amh title aid m employ independcntwuorl la wmectloa with any salt m wLidr H rainy be a
party by intCtvmtlon or rtllerwd60, end upon demmd Gramor QvtottgaBOr) agrees ekLar (1) to prq the eawtidary all
rcawrebk expmer paid or lncorred by k N roapxt to arq each suit affeedng title a my such properly, oe aHbedttg the
HeaeHolaty's Qvfottga{eeb) Ulm or rigLa hemitndct. lxlnding, rcasprbic gxa a tLe ]deneHciaty'e (MOrtgaglx'a) attorneys
or (3) m permL thaeddltloa cY each expemn, tank, end euomeq'e Rr a fhe prinplpal beleaw of the Note(s) eaauttl by
tbh I)eedoPTmei (MOngageJ orwhiGt inleraee mall scads m tM Note-rata
ferder'a wdora rosy iOnleAa paying arty amna severed by a lira width het primiq ova tide lieeiaity Inemrment,
aPPrting in caart, paying regonbkattataeyd firs sad etnering m the Property a make rapaira. AltLmgh Lender may
take acflon latdir tLh pwgraph 7, I.Cttder does tint have a do w. '
My amorml dhbtnwd by I.mder ands tLis paragraph 7 shall liecamc addUlonal debt oP Hmtower sainted by this
Security lae4nmanl. Uidra Hormxtr and lends agree a other terms of payment, tluae amonide dull brr {amrest Som
the date of dishaceuront ul the Nos tae sad 6hn11 be payable, with ialCrCA, upon ltatlCe 8mm Lender m Harowar
& Ltortgagc Inwraacq fflarder tegtdted mortgage Ineurentt r a wndlUon of malting the tom eaetuedby tWa
SenWty hutrummt, Bmrowa shell pq tiro prmdnme inquired m mtlmalu the motgage humaiiw b eIItxx amll ancL tine
r tho requlroourafm tM inewnam taminaes m aecocdexe with Borrower's aid I.oadet'e written agr'eemenr or eppliuble
law. ff, for arty rrwv, the mmlgage laemante twvorage requirad bylender layer o<ceseee m be b a'~t'4 Horrotra shell
pay the prombme regdred m abhin covaagb aulxuutlal(v equivalent a the mortgage laeutana prtvlouWy it effect, a a
wet eubetardiaUy aquivalmt a Ure poet m Beeromr.oe the mortgage inwrarrw yrevtoudy la ed3bct, ttom an alternate
mortgage irwret NWoved 6yLmder. ff aulisuutlally equivalwt mortgage iusmarwe wvaege ie not availablq Borrower
shall pay m I.eoda each maith a am agoal m mro-iwelfth of the yrrty mortgage iawraow premium befog Paid by
Borrower wLm the insureace wvarge lapsed or exceed m ba M cgrtxt. Lender wlll aixapt, rue and tgrlr tLase paymaih
r e bee receive b lieu aftttortgpge Imoraaro, lam restive peymeob Wray no ]roger be rapUad, m the optlaa of larder, it
mortgage immeace wvenge (b the emwm and fir the'periad that T.aader rcgdrr) provided by m tasura epprovtd by
I.mder again bwomr evaUable and 4 aMaimd Bmro»cr dWl pgthe praoiume xequtad a ntalnmhi mortgelR
iruUraace la atBM, a t0 Provide a tar 1e1EivC, untll the roqutremeint fir matgage Irsurence erde la eeoordenoe wah cry
wrireoagrommtbetaeenBmmwamdI.elldaorayylirWelsw. '
9. larpcetlai. Lander or ire agom may make treomble CnWee upon and itropec6one of the Property. Lender
riid11 gWe Borrower salve at the time o[m prior m m lagfxtlm apecitiyirg trA160eWte earw for the ittspectlon
f0. l:eedeaaaslon. The~proceeda of cry sweat or Gaim !Lr damagr, direst m wnrgirentlsl, b cenaatlon with
anY cordeamatioo. m older tsklag of any part of the Property, or for wnveyeaw In Ilea of wsbaanatlon, ero Lamyy
rdgned and slrH be paid a I.coda.
In the evCm d a tool ndddag Ol the Propatty, the prottedt shag be applied m the wine exured by thin Secmib
IoanommtwiroUfv a rot tiro due, with say access paid m Borrower. [n the event of a pattlal tatlng Of the Property.
ualea Boriuwu am I.md6e odierarlse agree !a writing, t>n soma ae~ed by this Sworltp laetnrmau shall be redrtW by
the mtiarat or rho promada by the tbuowlrg 8mtiom (a) ttie aw amomt of the amt ewartd lmmedlatdiy
bofeao the teltlttg, tUWdad by (h) Ure lhlr madtpt valor of Um Pmpaty immediaalY liefine the tektng. Ary balance ahaU be
paidmleorrower.
ff rho Property h ehendmed try Horrawa, oe ~ efts nohlct by I4ndor to Borroaar that the emidmnrgr raise m maim
m award or eetde a tdaim fordamaga, ]iormxcr ABe m mepond a I,mdcr vrhhin 30 days ether the des the notlce ie gWen,
lender h eatltalzed to t011rc[ and apply the ptaeade; al iu optloq eiWa ibr ttelomiton or repdt tithe Property m m the
alma socured b9 thh Security lustnmm>. wheUta orrua thin dot.
Unkr Castor sad Idmuwa athavdse agree !n writing, say eppUtgdm d prameds m principal a1mA as amid or
peetgine the doe date olthe mrif{ily peymmta i~s[ed m in paragraphs 1 and Z m cheagethc emouttt of such paynrema
Form A478 PA (5M7) Page 3 of 6
~~.~
.,.
11.. 8osvower Not Rabpsdt Ferbearaxa By Lends Nos a Wdwr. ~ the time for payment a ~ .
medlBgdon of amonizptim of the earw-ssWred by sds Bewrlq huhmoent grantad~thp to atq pttceaot' In Intact
of Horlower shall net operate m rolesw the ltabitlty of the orlglnel~BOrtowrlr aad Hamtver's aocoeuon r4 Imaast 4mda
shall trot be required ro commens pmoommnga ngaiprt any euocaeor a Ilnorsl or roPos m extead lime for payemal a
odi«wite modib avroelixatlwt or we aama reeved by this Swudty hutnunatt by roaroe of arty drmaM mane by the
original Borrower a Bottowee's wcoeewn In ltncrrat. Atry fatbsrance hY Leader In oxermeing wy right or rmredy stu11
not 6e a waiver oPs preclude the maereW Of tuq eight s seated,['.
12 -Snemaon apd AaNgee Haopol slat sad Bevenl-Lbblikyl Co-slgsers. Tho covampts amt agreements of
this Searrigr Ltttnpnenl shalt bind and beradlt the slloaegtsend mi8ne of Lends and Borrower, eubJect to WC ptovisbw
of paregsph 17.. Harowete nnvalwte ant agrammnt shall be Joint sad eeV4IaL Aoy HorN»wr who onaigne this Security
Itleffpmppt 4itdaee pa exeade the Nee: '(q le cadgnUtg lhie Beautty inpnsmcnt only to tmttgage, grant and convey
that Horrorvete.iamrat lathe Pnopary urMatha (trues ofthis SemrrltY IMltpmera, (~ 6 not petrnalty obBgated b pay the
some aeenredbl' this Sawity l+ptratnentl a~ (e) atiror that Lander and agYy other etroiwr twy agree to cx0end, modify,
rashest or males nay saber aCCOmmodetlow with rogard to tiro tame of this Security inswmem a the Note without that
Hor,owror's cmeaen4
13. Loan Gharga. u the low reused by Ibis Seearity Instrument is eubJect m a law which eeb maximmn loan
ohpcga, and that 4w is ilpally. WMprefed W that the ioM[ep or other loop ohargs eolleclM a to he collected in
mno.cdon with the low extxed tbepare(ttad limbs, Wm: W qtly suob law charge ehdl ba radtuxd by the amount
necarsrr ro rodpce thephargs.to the permitted Bmiti and (h) say some already cakaad eem Borrower which exceeded
'permhted Bmib will be raBrnded m8orrorwr. Lends may cheat m mekv this roArnd by reducfog the principal eaed
under the Nae or try making a dhuot paymem W eonwver. Ua rePond redoes pdaapal, the tedutedon MH 6e ttsrcd s a
partial prepayment wlsmut qtly pTepByntept o4srge 7ttMm the Note.
14. - Nosoes. Any tootles m Homotpsr provided far in this Sawrlty Iwhmrwnt shall M given by dellvaing it a by
mWiag it by Afet oleo mdess applicable law tegWtes trr of atpdter meWod. ' The nWeO shdt he dhearcd b the Progeny
Addrea or ace' older addroa Harower tbdghNS M mlla nt Lender. Atb ranloe to LaMar shall tq gives by stet oleo
ntpilto. LendeeL addror scored heroin a sop odtee add`es I.wder meslpatee by potlm to Borrower. Aay notica pfovlded
for fa this. Seomity Inetemoew sb0 be deemed m haw boon given to Burrower a I.ptder when given se provided In Wls
paragraph
11, liovernipg Lam-9wewWAty. Thb Sepndty iwtrmamt edall 1>e governed by fedmal law and rite law of ttb
jurledicdon in which the p'oP~Y le buried In the event Uut anyprovleton a clause of this Savtity imtrnment or the
iota mttstaa with applcaWe law. such cat(Ifcl shell rot altar other ptovldow oC thin severity lwWttuaat a the Note
which capbe given ache[ whhoul the confladng provieiop. To thk otW tlb pravlslone of this Saiatrlty Inevutnmt end the
NMC are declared W be avenbla
ld Borrower'. Copy. Hotrotrot (halt 6e given our ronNrnted dopy of,tbe Note add of thin 9murity InMtmrtlt
17. TYapsfer of the~Prppetiy or a HetWfdal lates'ert Ip Horrowar. N all w any pen a<the Propmty or m
Intaat theroln !s eotd w trenaferted M Horrowva (a tlbonedclol imagist tp Borrower b sold or trwdbhed a~ Borrower is
pot s pattnal peeeon w penow Mn u a oorpoasaM1 permaship, hurt s osMr bpi entity) wlthor Leader's prla wdllan,
cotuatt, axclttdlog (a) the crosoa ofd lien oremarmbiartca sobotdlnate to lhfa 6acorlty InstameM whbh dose as mtele to
a tranefa of ~ighh of oroupmcy in the property, ro) the argon of a parohaee monry, security inters[ Por household
appllaxa, (e) a [rands by devise, deeeeM a by opaationot law upon the dsN of a joint [aura[ or (rp the grwt ~ soy
leasehold intaert of Wrs yams or let ant coNaWngan Optbn m puttduw, Lender ttt~, at Larders gltltm, dechre au We
eupn seatrW by tWa Betwiry Iutatttunuem m be imtttediately due sad puyaWa
Itlaubr ezmdw such iuptlm m aecabrate,~ 1.aMer shell mail Borrower aoGce of aadentlon b aaoNanw with
paregnpb 14 heroof. 9tadu notlce'shall provide a pedud ol'.not lase thm 30 days flap the data the notice la mailed wlWin
which HaroWa mty pay t6erwe declared dne. Il~HOrrowp' lhils m pay auch.eume pebr l0 the a~ntbn cf aYeh period,
Center mqv, without Anther dons or dmwpd ~ Bohowa, InuokF anyrarwdiee permitted by peragrapli 11 hacof. _
Leader may consent to a cab or irwefm ff` (1) Honorna caws m be submitted a Leoda informadw regWtml by
Lender ro~evatttate the tteadara s ire sew lan was 6e1ng vade m We Isamtbree; tc) [.ender trwnably detemdrwe that
Landers aeouAtrwill not be hnpaitad and'nm the tick ads breach otnruy wwwnt or agreement fa this Security Itntruument
18 ateeptablei (3) lninrert Willbe payable al the pmts slued by this SecarllY huhumem r a pus aespable to Lender, (4)
chapgs lathe lmms of the Nate tuM.this SeotWry Instnrmwt xgMrcd by Lender aro maAe, fnelading, for example, periodic
aginetment In the borers[ rase, a t1lfIDropt Aag paytturttt derola the IoaM and admttoo of tmpaW Idarat m principals and
(3) the hepsbus dgps w arumpdon egrcemeat that V aooeplpbta to Lender and Wet obligate, the tretusfcrec to Iroep eU
the promises end ag[eettpeu tmide in the Note and iq tWs Beawlty IaMtmen4 ea tnodlsad If nDptulrod by Lender. To the
extent pemdited by applicabb law, Lander Alto may cfiarge a rtsteomble !ee W a conditiau a Ltmder'e oonstut b coq ate
or transfer.
Hatttwer will caulnw lobe ohBgaMd uupda the Nato and this Sewusty Instrument unless LctMer mlaese Hotttwvor in
wrhing,
18, Hoerow~er'a Wght to Heinsata ItBOhower meets Cetiaiu ceaMitbw, Borower dell haw the right to have
mforcemem althle 8emrrlry Insptomept dleeoWnued sa arq time prior to rho eeeller of: (e) 3 thga (or auoh other pahM a9
applicable 4w may ~' for reipstdameat) hdbre cab of the Properly purppmt to srq Paws of sale aophiwd In this
Se~~~tty.Wttwnmu;ot(b)aurydaJudgmentmHrclog this geewib imtroment. Those andltlaps am that HOnavs: (a)
pays Legdarail sums which thee.woWd be due order thls.BtwvAry Inshpaient and the Nole bpd rq aaaleatlon aaamd;
(b) ours wq' tkdtulf of any tN1tOr mvenan4 w i. (c) Pa9s aH expeop'A itwvntad in aplbrdpg 'this Bectuity
Iwlruowm, lrtdrMipgr btrt not limlhd iC, tepwwble epentsls'. flex: arts (d) Islcee such action r Lender may rcawMbly
require to 8aspm [lust the !bra Of this 9at7e'lty InNmmwt, Lpsder'e rights In the Propety YM Bosrotvm'a ebligedan m pay
the emw seared bY_ thin Sacm'lly lastttrtnent aluil. ampaoe atmhwged. Upop mlwmtanen! by eottorror, tWs 9eeocib
Inetruampt ant the abllgatlone damped herahy ttlWl remdnfhlly e~olive u if tar axdOtalfon had ncWteEd. 4loweva; this
dghito rdtlatate shall rot apply inlhe tw,a decoelrtatlepunda paragraph 17.
Form ii47g PA (3/9'1) ~ ~ - Page 4 of6
-S-
19. Sale ~ Nok; Cban®e of Low 9ctvleer. Tho Nate or a paNel lmmeat fn the Noa (agetbm wiW this scantily
'. lnsirttmeM) auq ba Bold om o<mete times wttbaot prim mike a Boaowar. A sate mq~mm]t is a ehAng0la dte e~
'. (kmvvn ae the "loan Bcrvkm'~ that aollew maaddy paymmb dnc wader the NMe ACM Chia Seauiry laeltgmmL 'there
' aleo airy be om m tmm cbMiga d the Loan Smvker umclatcd a o sak Or Ifie Note. 1f them 4 e Ohaage of the Loan
- Sstvlar, Hortower wIB he given written aotia or the change In aaotdanro witht>amgmPb 14 above end apylteabk law.
The aadce will lisle the iutnc sad addtes'of the sew [:can Setvlcar and the eddrme to which paymeata alumld be made.
Tim notice tvlll alsoconWa etq otbtt ittformafloa Nquhed_ty apptkabk law.
20, BASardone Sgbebacm. Htnrower shall sot team or pmmR the pmeeom, sea disposal, ebtage, m roleasc of
atq Hazardous SuW Wcea on ar In the Propetry. Boetowar ebaR not da nor allow Bnyone else to da anylhif4g et&cfiag the
Propmtly tbal ie In vkbNon or mly Bavirmmeatel Law. The pmaading two semenaea shall not sppty a tba preamroe, nee,
ar etotn$e oa the P~opetty of small goaMibm of I~lazerdoue Subatemm 1hM am gesaraBy mcogsirrd k 6e appropriate a
normal residendel ass add to nutiatmana of the Pfopcrry.
Bortowec stWtpromptly given [.mdarwrittar ttMlca orarry lnveetigadon, eltlm, demand, Imvautt or other actlon by any
' govemmenlal or mgulaary aganay, or pdvak party introtWtg the ]?raparty end atq' Haxardmu Snbefence m Hnvirollmmtal
- ~ Law ~ which Botrovver bas ectttal 1mowlcdLa Tt Hotrowcr learns, or fa notlfted by mY govcrameatal or roguletory
authmiry, that any temotalor other remediatim oP say Narardona 6bbetanx agectiag the Propcrry k mcaarmy, Borrower
ebeR DromPdy him ell rlamsery remedW actions k accordance with 18nvfrotmteAtal law.
Ae used 3n thk paragraph 20, "Halardau Subwma"ero tlioee eubetsnoee dadaed ae Coate or luivrdoue anbetencae try
~. P,aHronmmtal I.aty And the followlag mb0tet4ta: geaoline, lxraeene, Mbar 8ammabie or tads pstroloum ptotkw, toxic
pmtlddee and 4etbieides, vofetlle eolvade, autrotial conmhdag asbestos m ihemaldebyae, end cadioaMiw materiels. ~ As
uxd in Wk paragraph 20, "PaviimtmemalLsw" mans lbdetaf laws sad the laws of the ¢aisdiction when the Propmty is
loutad that rotate td baaltkt, ea&lyaeavLronmmdal ptmeetlon.
NON-i]NII~ORM COVBNANI'S. Hottovrer sad Leader funkier coveaenl oadagree ee lbBOws:
21. Aueleratlmi Rentedka Lender eha0 glre notlcc to Borrower prior to atcelcratl® folkrring eorrowa'a
. 6rexh. of any eovenaetor agtnemaue V tMe Becnrky 7mhwmeot (buC sot prior a eculexatiao mtdcr paragraph 17
udtw apPlkabk law provides othembe). Leader eheH sotl4 Borrower or, aotong Mbar thio~: (a) the default; (b)
the acdoo regalred to cure the desalt (c) wain the ddault most 6e aredi and (d) that feilurc a.wrc the deraWt u
epaMed may resit b aadarANOn of the wine eearad Eby this Sernrlty laetrmreat, foroNaeurc b9 iadkWl
proecedlaL And eak of the Property. Linder shall hrther lttPOnn Borrower of the right a relaeMte after
aocelerafim sad the right topemrt in the foneel0earc proceeding the aonexletanco o! a default or any other defmte0
' MBormwar to aacclaatkn and foretlowra u the defanb 4 rot cures u epecltlad, Lender at 1q optloa may require
Imtmalek paytneat m iLL d ail same eewred by thfe 8ecurhy feetttsaent wkbeat tbrtlb* demand abd omy forroekec
this gaartty Inetrummt by Jadklal ODD. Lmdcr thrall be eatltkd a collect ell crptasee Iawrrcd k purming
the rmnedlq provided la this DaraO'aPh 21, btcludiug,but not BtnlMl to, attorney's fem And caste of title erldence a
the extent parmitkd by appBubk 4w.
22. Bdea10. Upon Pal'm~ aR ell cam eauzed by tide 3ecmiry Inetrumeaf, Leader shall discharge Chia 9aurlry
Iaettmxat whhoat Charge aBotrower. Hotrwter,ebeB Day atp'rCCatdatl~Wet0.
2a Wetwxa Hotrovror,.to tiro cxtmt per®tlat by appliwbic taw. weivee and rcteame soy error or aerate is
procacdlage to abforoc tbk 8eaairy Inebbment, and bmebyvmites the tmta8t of arty pmeeM m futtaa taws ptmldiag for
sly aRexaCatlmy extension attthna eaettlptlp0 $om AUaebmeat. levy ana eds. and boateatcad exempdm.
24. RL'ImWetamt Period. Hmrotrelra tlmeto relastate provided iaparagtaph lS shall extmaaom hour priorathe
commmcemeat ofbbldhtg r a aherift s de or other ink pmmam tothie seaorlry Inettvtarnt
23, Parehaee Mary Drertgage. Km0' of the daMeavvreQby this Becmity Ineuamrnt k lent a Horrowar to ecquite
title a tbe.Properry, thtt Sautlq Iuetra~mar shell lb A D roomy inptgaga.
26, lnleroet Bate Afar Xudpomt. Borrower agteee that the laatelit ink txyabk after a judymant is entered on the
NMe M In ea aChon otmortgage forcotomte shall be da rota pgxble fsum time a tlme under the Nota
2T. Aides to thk BatdrRy faReement Tf om or atmo rlden are exeaMed by Borrawer sad retarded together with
true SeLVdq~ Iaetrmheet, the omronanp sad apeemenu of each each rider shall 6e iocorpomkd into and shall amend aM
eupplaewnl. the mvmaa4 ebd agsaaatte of this Becuriry Inlbument. ar if the rWee(s) Clem a part of Chia Satuiry
Instntment. (Cbcdc appi[alSe box(es) '
^ AtyoetAbk ReaRidm ^ Condondalnm Hider ^ 1~Femlly Rldar
^ Oreaaaad Payment Rider Q mm~aed VnitDwslopmem Rldar
~ Otbet(e) (epeclry) ^ BamW Honor Rider
LLOAL DlBCRIPTION
29. ConlormM7WkhLOwe. IYatryprovldoaofibisl(DeedoPTrost)bdouodmhaiaviolMknoraW'law,
rule or rsge]alim which-anew the velldhy Ana/or ratm'mability Of Cho Note eaa/or INmlglge (Dead or TnmU, dtet
provWoaeheB m decated madi8ad a comply veldt apphCabk law. role, or rethdauoa -
Faint 047R PA (3/97) Pegs S of6
~~.~
.6.
HY Si(iNINd BELOW, Borrower aazpb'and apem to the terms and cowaanm t~trdnW In tMe seemtty Inetruatent
in eaY tJdmp) exeeuted by eorrowm tmd reootded tvlth It.
'. Itneae - ~ Hmmwer CONNffi L. PAYLOR ~A~~
~, - (9SAL)
Wltttma ~ Borrower
t
~ (SEAL)
Wlttxaa Borrower
I eeldfY ttat the Dmdb addtaea oPthe Lender (MOrt677Yee) is 9e Pyhao eauere.
~, sa aoe wue..-a``.11rr..P iaroaaeoe. C behelEaRtha Lender.
~r• ; ~/Q1917'9,~ 1.l.4 ). 77do: ~ ~ ,lC.
Y
cobIIdtxiwHALT[IOFPHIa1sYLVAN rwP• ANn ~ Cambse:
On dde, the tam dtq d, ~wV 2n/q . 6atom me,
dk undmdH°~ ~~. Pm~IY ePPeaed
CONME L. PAVLOA. A aEPAPATED PEetiON
lmotvu m me (or ttatlefactwii)~ prwen).N 6e the poreon(e) ahttee name Is ~ mhrcr~cd to the widdn
iostromvn and aok+rowled8od dut a.t.n. etceated the tatae Rr the pu~poaae hmain coamtaed.
1N Wft'NBBS WHBRHOF, I have htrem7N trot my haadand ed3olal weal.
O
MyConenieefon.IIxplrea: ~Mh~ ~~~I ~
NOTAflIAL SFAL ~ 'IYOe of t ~r lUxt
AMOINETTE 9WEI0AR'f, Notary Rtbtlo
WormleyeWrp, CundixlmM county
My Canmksbn ExMras Sapt. t, ?.003
(Bpaee Below 11t1a Llee Raernd Fer Admowledpaevt)
SLAIN 9O8e~
WEkee-Bern, PA 18709.2608 1
Form #47S PA (9/97) ~ Page 6 M'6
ALL THOSE TWO cartaln adjacent lots or ppeercale of land, together wMh the Improvements thereon erected,
actuate in East Pennsboro Township, Cumberle0d Cdunry, PanBSylvanla, bounded and described as follows, to
wit
BEGINNING at a point in the northeast comer of the Imereeatbn of Fourth Street and a elxteen (78) feet wlde
alley thence northwaM along the eastern Ane of Fourth StroeQ alxty (80) feet to the soutia+m Ilne of Lot No.
Sect(on "A", on the here naRer mentioned Plan of Lob; thence eastwardy along the southern Ilne of Lot No. 8
Sectlon "A",one hundred e)xty (180) feet to 8x weetom Iine of a elxteen (18) feet wide alley; thence aouthwei
along the western Iine of aaid abc~en (18) Teet wide alley, sixty (BO) feet to the rwrthweat comer o} the
Intereectbn of seb abdeen (181 feet de-alley wBh the ebdeen 18 feet wide alley Bret mentioned; thence
weetwardy abng the northern line of the sixteen 918) feet wide alley Bret mentoned, one hundred abdy (160)
BEING Lob Noa. 91 end 92, SecBon "A" In the Plen of Lote known as Summerdale, PennayNania, said Plen
being receded in the office for the Recording of Deeda in end for Cumt»dand County, In Plan Book 1, Page 44
(Revg Plan, Book 2, Page 109).
taaooori isencaomi tsenq
Loan Number: 8521005424 NOTE I I III III~II I I II II I III
m:wrto
Iralre 000]0969x1 Man
dely 13.2000 WII.KE3-BARRE , Fetwylvmie
veb city
' 1. BOFOiOW6R'5 PROMOS&TO PAY
' hl rcilurt lar a loan that I Mw: rmdved, I ptmdx to pay V.O. S 16.800.00 (this evmuut wilt be celled
"prindpd"), plw intuwk m the older of the I.cnda. the Lmdeia Fqu1C('edlt
' I uttdtxe4md that the I.cvdor mry trmefa this Noon 'Ihe Leads a anyow who takes aria Note by tranefgt aml who la antl8ad k receive
' peymmU under this NatowUl be celled the "Nee fklder".
2. INTYJ788T
1 will pay interest at a yearly rata oC 10.950 9F.
' hdrmtwill be charged an WNput ufprinclpai wlaah has rutbenl WiA lateral will be cM[ged beginningm
JWY 18,. 2000, end mnUnukg wdl the Cull ueountWptinaipalhm ixxn paid.
OnbJeab eppliwble kw, the Nekltdda eha11 ba mtltlcd b 3nte1e6L d the yrariy nk m any mortgage ureatege (amount peat dm)
including, vdfhml limitatim, chafuudmeea in whIrh a pclitim k bWwptoy, wege~emter, or other inaolvmey pruwzding is fled
deaigodittg me ere debtor.
J. PAYMgl4Te
Svoh prnoipal and intemst ahnll lb payable k 960 ' euceeeaivc momhlY kstaUmeme with the &at wch iustallmNlt k
0u:amuuW OfS - 763.38 dmmdu fat- day oC 9epbmher. 2080 and TSB
mbaaplmnmenthlyiwldlmente of3 ~ 130.78 aluU be dm on the let day oP each suaccodiug
tnmW tharmOm. A awl payment of21-17.4.LLi wUl be dm m Auyle! 1.2M0 l will make these poymeme every
mm1W mdl P Imve pahl dl of the primipd and Wtemet end,eny olha cbargea, deauihed below, Otat I may owe uuder thin Notes ff, m
~, Attgrat t x030 ~ I etUl owe ammmh uMu min Note, I wdU psy ell thorn amounhs, k felt, m
mddate.Timcis o~We eamnoe oftltle Note.
' i 'I will make W monthly paymaab d P.O. Hoes 44131, fockannriUe, Florida 32231 rn d a diIImmt pkm if raluhed 6y the Nob;
Holder.
4. BORROW&R'8 FAFLURB TO PAX A6 RBQFJ$8D
(A) Hotunl Check Chtligo
k the event Wet a check uacd to make aqy peylttmtmtpdrad by this Note it rammed wpaid by [hc peya bade for ineu>rdem toads
_ or uuli4 I ogres m pnY Ycu a 510.00 fce far yo'ar eddlfionel costs imutmd {ri ptmceabg such cluck. This charge will be mgdrod
whetherana the mtmwdcheck moresmy paymailtbix hoc. .
(B) Leto C9largea for Ovordue Peymrnb
Iftlu Note l{elder has.wt reedved the Pill eaolmtarmy ofvry uaotaly paymmb by Wa and oS to mkudar Jaya aBu
the date it is due,twlll pryakk ohatgekthe NoteAOldet. Tlu omount oC[ha shale will be 5 %otmy oveldm payment,
~. bW rotleu WaaU.8.5 26.94 end mttmra Wen U.B.S 26.94 .Iwlll poy tltle lde sharps mly
mmmd0'talc paymmk. - .
(C) DoHult
IPI do rat pay the 1bll unomt oCeeeh mmthly peymmtby We date stated in Sediat 3 ntave, 7 will be in defhulk
Rven if, d a time when i amia tletbult, the Nam Holder does not requireme b pay immedidcly in fcll w deettdbed shove, the Nou
Holder will MUl hove the right to do eo loam in defadt atalebr time,
(D) Notlm 8rom Note Holder
IPt am h defeWl, the Note Hddcr may send me a writkn aortae btltng ten that iCl do not pay the overdue emamt hY a maain'dste
me Nok Fielder may re9u'uc nor to peY Imnediatcly the Odl mount of prkuipW vddcL hu not hen paid end d] 111e ktaeat that I owu
m lhetamount. That datenuut be at leaf 30 days atkrthe deb wwhich tlunWim is mailed klm oq ifitG not uldled, 30 days oiler
.the dab mwhidl his ddivaalmme.
~) Paytomt afxob Holden crate and Eapewet
ICihe Nato Holder hm tagdrod ~ to pay immadiahely in full ea deealbed show, the Note Holder w01 have tlu right k be paid
bank for dt of Ib mate ahd expanses blip wdmn not pmh9'hdted by applicable law. Tlvw mtpue uea Include, for mmmple, reaptxble
attomcya' kca.
S TH[9 NOTB BBCURLrD BY A IyIORTCiA68
kaddiUmt to the paoleo4ma gtveli to the Nora lkider under this Note,a3datyle, dated July 13, 2000
putmu the Notes Hdda$om pafel6leloeecs which(dOht result tfldo mtkeep Wapradtn whiehImaka ht this Notes. That Matlage
dercrihea haw awl tinder whet tzmdilktte 19my be tt9quved u teaks kmudiab peyman ift Hill otall amcunb tlut I owe uodee Wk Note.
G. HORRLYWBR•9 PAYM8NT8 H8FOR8 TIIBY ARR DQ&
Mve the tight to ma-n peymeate OP p1~Pa1 d Imy Hine before fhry are ace. A payment of pritldiul onty is known v e
"propay9nent". When I make a pxpaytom4I will all lien NoleHoldu io a ktta Wd 1 am doing a. A pnyaymed of all of tM utrydd
priwipd Gknawnm a"LullpropaymmY. Aptepaymmt otody part ofthc tl>makl prinoipd is knows sea"partld propaymea'.
1 may mdse n Cull propaymedt err pmtlei prepayment d my tblta; howera, tba Linder may charge me e
~. egtdylemm A mm0u kferme dining tke &et tluea yeea aClhe ken at the me ad forth alwveN~m~tlu 1111m11t
oCihp principal Ldnoce prepaid. 'Ax NOk ldolder w1U ten all ofmy preluYucda to redueo the amoum of prinoipd Out 1 owe utakr Chia
Note. IPI make a pertlal ptwpaymW,.W~e will be m dehtya in the dm dales a ehmgw lathe emowb~ot'Iay monWl)' peymmb anima
Wa Note Nobler Iigrom.in writing k those dela}7I a Il11pIg00. 1 rosy Illetro a full prepayment at any time YI 4$oNe to make a pertld
prapayalwt, the Note Holder nay re4aim me to make the propeymam m the same day Wd om of aq mmWty.paymmb ie dm. The
' NouHolda may oleo require that qla ammunt of my pet8dpropeymmtSp equal ip the amount afptimipul Wet would have hem part of
~. mynela om a more ntoelhlY pa}2aelfa.
7. eo~owcx'swAlvBRs
i wdw my riphte to iegoira the NakHOlda b des certain things 'I61an things me (A) to demand payment afamomds doe (Imowtt
m "pruenmlmt"l W) k give uo0m that ematlrur dnehevc rat been paid (Iaomt w 'Loom o! diehmor"$ (C) m obmin en oNClai
cmti0catim of ttonpgmunt (known ere a "ported")• AllYO!te ages vfioegeee m peep the ptoaliros mdc in Win Nato, a who agrma b
make paymanb to tlebNou Holder LPI1kil kJcaep mypamaaaa uncles' Ilia Nao; a tdn alga this Note b transfer it b eomaom ales sho
' wdam Ouse tiglds, These peraone sec knoana"gtmrautors, aomiiee end aoMraera"
Fain Y433 Peamylveok(1/9l) _
All Find alarlgagva do Smmd Mnetgagee over 150,000
Page I oC2
.4 ~..
au uua
.s.
e. OIVINO OP NO'YICte{
Aey ndlu tlutmwtb8lwmbtw undr this Ndo will be{ive¢by dallrafof itmbY m.111n~Itbmetltld null Wtlnr.dmm.
et tb YropeNy Addraa In the 9am¢lty kminma¢L A nolbs yw'll b delivemd m nestled b me u ¢ W{Nml etWraee 1fI five dre Note
Holds • notice ofvp~ diRme¢t Wdrwe,
' MY mtim lhet mwt be fiYm b the Nab Holder under 1hM Nob will b fivm by mdlkt{ it by aeNifmd ¢wl b the Nate Nolder at
_ dta eddnse acted In eeotlwl 3 ebve. A tmtlm will b 1¢eiled b Ihs Neb Haider et a dlflifMt addrar 1[ I em {ivm • mtloe of bet
dlthrmt eddtw.
9, R{{PON~II'llY O/ P{{{ON{ OND{R TMM N09Z
]fmde tbn osb P•••^n sites we Nob, veM ofw M {1Yy and Petabwb oMlfetN m pry tb NII ematme owed ana b bep etl oP
the prwNw mods 1¢ bb Nob. A¢Y tNUmw, emah', m anaenrs of Wa Nde (w dueNbd b geodm 7 oboes) L eLo oldifsud b do
tbeee Wnfs. 7M Nab Holder maY aNluas ib rlfhb undm. Ws Nub efMwt esok efw Irdlvlmtstty m agatnat all of w bfebm. ]bM
matb lhet ettY am oT ua maY b eyvind w p.y alt o! the en'A¢¢b axed undw bb Nola. Any Isumn who bkae owe ew rlfhb w
oNlgbtlma Dods thla Ndd viii bw all ol'mY.Nyhb evd mwt ksgr all o! my pdniam nude b bier Notes Any pmam orbs tikes over
ba Nghb m obfimdwu of a fuumtm, eumtr. or mtdmser o! Ws Nate (as dawrilrm b tieotlab r apove) b Nm obkfeW b keep W of
des Ivatatsee made b bier Nob.
' !Q LOAN CfIAYO1fS
I wOnMnd ottd bsllaw tlut thyrbmltlmpWtlntl~ kawogm mmpllw wleh ~aanrylruda uw¢y. 1wW W, ~mwN oDllMtlen, and eW
~tYfm e~ddeemiiled: ekaeed IM moriunum ®oumbPmmilltl bywl¢wrl I~wWwwmd end Ynaa w Iha smewniof tlWb
Inldeel m otlw aheeyee peyspls by ms In¢mem b tide Itmdi¢f trmamtlm eMll b Hdmad b du Nndmum fmdml perultled by Iew;
oral (li) my eammemowt lueviwdy mllaalerl Item me b ewlfuctim w1N Ws leadbrf n¢vamltm vddah a¢medad tks mealnmm
umn.ralLw 4.ne~ mr amwvtb araioid wnL+.t ub antwdirry.primipal t.lmaa. I! Wn aauwtd4lp MimlY•l b.l.¢m Iw a4®dy
vsiw eollmtively, the "Aedilim~el eu¢me m~~ybnu~• N1 four olmfn, Baede. blo fs b mtim m uty elha eume m Ikitlfe of
( ) by ma, wl,eber pt¢eurw b Nb Nutty tIM MottgefwDrd of IYOU m any
otltar deownent err Imtrwmnt M any weY YmisiNnf b tits ImWnf treneeallm, w ethefxiee Mb mTOet b bls landbf ttsrtreetian.
_ which. uMU teb laws of Pemaylvmb, wy b dmmal m b idetau wlb mq.u b this Imdkr¢ eru¢ssctleq shell. for tb PotPOas of
.ny laws of Ptemrylwmb aLbh msy lW h eb meximtm emeuu of idmn b b ulwrmd Wb regmat b dda leodiu{ tmueetion, b
_ pey~ble by me eer eM ehNl b GMmW b IN, eddllbnel Ittferwf, mdlbr snob putpama odY. W Intmast sue or tbls leodbf naemedm
(u !I mkteMVlNedp ~ Hia11pt1nWpal,iedbirdas eloehtY a~eeu ~n~ib Loetl Clwity {Wemvd mNa be IIamlfatlm dAnlount
I+kumced (mbm .vob 1br w Paid try main auh mby dock elolWnf) w6 deed ouch eoW b b neemubb eud epxA9W1Y •ftee b
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THE LAW OFFICES OF
BARBARA A. FEIN, P.C.
NEW SERSEY OFFICE
905 North Kings Highway
Cherzy Hill, NJ 08034-1569
(856) 596-5552
425 Commerce Drive
Suite 100
Fort Washington, PA 19034
PITTSBURGH OFFICE
110 Atwood Street, PMB No. 680
Pittsburgh, PA 152 t 3
(412)361-8286
Barbara A. Fein, Esquire
Kristen I. DiPaolc, Esquire
Members ojPennsylvania
and New Jersey Bars
(215)653-7450
FAX: (215) 653-7454
e-mail address:
lobaf@aol.com
November 6, 2003
File No.03-10122
PLEASE RESPOND TO OUR
FORT WASHINGTON OFFICE
PHONE EX'I'.101
E-Mail Address: carmen]@loba£com
La notification en adjunto es de soma importancia, pues afecta su derecho a continuaz
viviendo en su casa. Si no comprende el.contenido de esta notification, obtenga una traduccion
inmediatamente llamanda esta agenda (Pennsylvania Housing Finance Agency) sin cazgos al
numero mencionado azriba. Puedes ser eligible paza un prestamo por el programa llamado
"Homeowner's Emergency Mortgage Assistance Program" el coal puede salvaz su casa de la
perdida del derecho a redimir su hipoteca.
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
PLEASE READ THIS NOTICE.
YOU MAY BE ELIGIBLE FOR FINANCLAI. ASSISTANCE
TOWARD YOUR MORTGAGE PAYMENTS
Connie L. Paylor
200 Fourth Street, Sutnmerdale, PA 17093
RE: Client: GMAC Mortgage Corporation
Loan No. 830000742
Property Location: 200 Fourth Street, Summerdale, Cumberland County, Pennsylvania
.6 EXHIBIT
~j
3
ACT 91 Notice
Connie L. Paylor
Page 2
NOTICE REQUIRED UNDER THE FAIR
DEBT COLLECTION PRACTICES ACT,
15 U.S.C. § 1601 (AS AMENDED) AND
THE PENNSYLVANIA UNFAIR TRADE PRACTICES
ACT AND CONSUMER PROTECTION LAW,
73 PA. CON. STAT. ANN. §201, ET SEQ. ("TFIE ACTS")
INASMUCH AS THE ACTS MAY APPLY, THIS NOTICE
MAY BE CONSTRUED AS AN ATTEMPT TO COLLECT A DEBT.
ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Dear Ms. Paylor:
You may be eligible for financial assistance that will prevent foreclosure on your
mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage
Assistance Act of 1983 (the "Act"). You maybe eligible for emergency temporary assistance
if your default has been caused by circumstances beyond your control, you have a reasonable
prospect of resuming your mortgage payments, and if you meet other eligibility requirements
established by the Pennsylvania Housing Finance Agency. Please read all of this Notice. It
contains an explanation of your rights.
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 a representative of this lender, or with a designated consumer credit
counseling agency. The purpose of this meeting is to attempt to work out a repayment plan, or
to otherwise settle your delinquency. This meeting must occur in the next thirty (30) days.
If you attend aface-to-face meeting with this lender, or with a consumer credit counseling
agency identified in this notice, no further proceeding in mortgage foreclosure may take place for
thirty (30) days after the date of this meeting. The name, address and telephone number of our
representative is:
Julie A. Peck, Paralegal -ext. 122
Renee Alston, Paralegal -ext. 118
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215) 653-7450
ACT 91 Notice
Connie L. Paylor
Page 3
The names and addresses of designated consumer credit counseling agencies are shown on
the attached sheet. It is only necessary to schedule one face-to-face meeting. You should advise
this lender immediately of your intentions.
Your mortgage is in serious default because you have failed to pay promptly installments
of principal and interest, as required, for a period of at least sixty (60) days. The total amount of
the delinquency is $10,410.15. That total includes the following:
Payments of 538.78 per month due from
June 1, 2002, through the date of
this letter (a total of 18 months)
and each month thereafter. $9,698.04
Other fees due and owing under the loan documents 616.35
Escrow Advances 97.99
Suspense <402.23>
Other: Preliminary Title Report 350.00
Attorney`s Fees Permitted under the Statute 50.00
TOTAL AMOUNT DUE: $10,410.15
If you have tried and aze unable to resolve this problem at or after your face-to-face
meeting, you have the right to apply for financial assistance from the Homeowners' Emergency
Assistance Fund. In order to do this, you must fill out, sign and file a completed Homeowners'
Emergency Assistance Application with one of the designated consumer credit counseling agencies
listed on the attachment. An application for assistance may only be obtained from a consumer
credit counseling agency. The consumer credit counseling agency will assist you in filling out
your application and will submit your completed application to the Pennsylvania Housing Finance
Agency. Your application must be filed or postmarked within thirty (30) days of your face-to-
face meeting.
It is extremely important that you file your application promptly. If you do not do so, or
if you do not follow the other time periods set forth in this letter, foreclosure may proceed against
your home immediately.
ACT 91 Notice
Connie L. Paylor
Page 4
Available funds for emergency mortgage assistance are very limited. They will be
disbursed by the Agency under the eligibility criteria established by the Act.
It is extremely important that your application is accurate and complete in every respect.
The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives
your application. During that additional 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 that
Agency of its decision on your application.
The Pennsylvania Housing Finance Agency is located at 2101 North Front Street, P.O.
Box 8029, Harrisburg, PA 17105. Its telephone numbers aze: (717) 780-3800 or 1-800-342-2397
(toll free number). Persons with impaired hearing can call 1-800-342-2397.
In addition you may receive another notice from this lender under ACT 6 of 1974. That
Notice is called a "Notice of Intention to Foreclosure". You must read both notices since they
both explain rights that you now have under Pennsylvania law. However, if you choose to
exercise your rights described in this notice, you cannot be foreclosed upon while you aze
receiving assistance.
Sincerely,
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
BY: I C7 a~Z Duerr n o ~. ~~~ .,~.
Barbara A, Fein, Esquire
Attorney for Plaintiff
BAF/cij
cc: GMAC Mortgage Corporation / ATTN: Tim Shazble
Loan Reference No.830000742
SENT BY CERTIFICATE OF REGULAR MAILING
AND BY CERTIFIED MAIL RECEIPT NO. 7003 1010 0001 2093 4698
Cumberland County
Financial Counseling Services
Natalie Newcomer
(717) 762-3285
HOPE and Pre-Closing Educational Seminar
Harrisburg Fair Housing Council
Christine O'Rockey
(717) 238-9540
HOPE and Pre-Closing Educational Seminar
Weatherization, Inc.
Maxine A. Whitsel
(814) 643-2343
Pre-Closing Educational Seminar
ENective 10/31/2003 at 4:30:02 PM
U.S. POSTAL SERVICE CERTIFICATE OF MAILING
MAV BE USED FOR DOMESTIC AND INTERNATIONAL MAIL. DOES NOT
PROVIDE FOR INSURANCE-POSTMASTER
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o<`~~`~urth Street
I °'riiRi;tdale P?, 17093 -----------------------------------------
a J.Yi1111,.t:l~lewln, nsa.! ~v~i::u: W:iaav:aln.~..y~.,wtni,4
VERIFICATION
The undersigned, an officer of GMAC Mortgage Corp., the instant Plaintiff, or its
servicing agent, being authorized to make this Verification on behalf of Plaintiff, hereby verifies
that the facts set forth in the foregoing Complaint in Mortgage Foreclosure aze taken from the
records maintained by persons supervised by the undersigned who maintain the business records
of the Mortgage held by Plaintiff in the ordinary course of business and that those facts aze true
and correct to the best of the knowledge, information and belief of the undersigned.
I UNDERSTAND THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO
THE PENALTIES OF 18 PA.C.S. SECTION 4904 RELATING TO UNSWORN
FALSIFICATION TO AUTHORITIES.
Dated: 3~ 7_5 ~0 ti ~~~
Name T Thomas
Title Foreclosure Supervisor
Company: GMAC Mortgage Corp.
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SHERIFF'S RETURN - REGULAR
CASE N0: 2004-01315 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
GMAC MORTGAGE CORPORATION
VS
PAYLOR CONNIE L
ROBERT BITNER Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE was served upon
PAYLOR CONNIE L the
DEFENDANT at 2045:00 HOURS, on the 29th day of March 2004
at 200 FOURTH STREET
SUMMERDALE, PA 17093 by handing to
CONNIE PAYLOR
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: So Answers:
Docketing 18.00 /,,
Service 11.04 ,;~;~,,,~.- ~-:~'
Affidavit .00
Surcharge 10.00 R. Thomas Kline
.00
39.04 03/30/2004
BARBARA FEIN
Sworn and Subscribed to before B
~< ~ ,e/\
me this ~ day of Deputy Sherif
L~~.i,Q 0260~y A . D .
00 ~ . (~/ ~Y1,~ODw,~~
rothonotary
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
Bazbaza A. Fein, Esquire / I.D. No. 53002
Kristen J. DiPaolo, Esquire / LA. No. 79992
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215) 653-7450
Attorneys for Plaintiff
GMAC MORTGAGE CORPORATION,
Plaintiff,
v.
CONNIE L. PAYLOR,
Defendant.
Our File No. 03-10122
Our Loan No. 830000742
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO. 04-1315 Civil Term
PRAECIPE FOR JUDGMENT FOR FAILURE TO ANSWER
AND FOR ASSESSMENT OF DAMAGES
Kindly enter judgment for $74,151.05 in favor of the Plaintiff, GMAC Mortgage
Corporation, and against the Defendant, Connie L. Paylor, for failure to file an Answer to Plaintiffs
Complaint in Mortgage Foreclosure within twenty (20) days from service thereof and assess
Plaintiffs damages as follows and calculated from those set forth in the Complaint.
Principal balance of mortgage $56,304.52
Interest due and owing at the rate of 10.950% calculated
from the default date through May 3, 2004 12,282.96
Late Chazges due and owing under the Note in
accordance with the Mortgage Instrument
Escrow Advances made by Plaintiff Mortgagee
on behalf of Defendant mortgage account 781.99
Property Inspections as recoverable 170.00
Recoverable Corporate Advances 1,454.35
Other fees allowable under the loan documents 42.00
Court Costs and fees 300.00
Attorneys' fees 2,815.23
TOTAL IN REM JUDGMENT TO BE ENTERED $74,151.05
TOTAL IN REM JUDGMENT TO BE ENTERED
$74,151.05
THE LAW OFFICES OF BARBARA A. IN, P.C.
Bazbaza A. Fein, Esquire
AND NOW, judgment is entered in favor of the Plaintiff, GMAC Mortgage Corporation and
against the Defendant, Connie L. Paylor, and damages aze assessed as above in the sum of
$74,151.05.
(~..~ ~ .~
Pro. Prothonotary ~..M~
`~' 3 oovc~~Z.
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
Barbara A. Fein, Esquire / I.D. No. 53002
Kristen J. DiPaolo, Esquire / I.D. No. 79992
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215)653-7450
Attorneys for Plaintiff
GMAC MORTGAGE CORPORATION,
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
v.
CONNIE L. PAYLOR,
Defendant.
NO.Qy ~~g~J ~YII +~IY1
AFFIDAVIT OF NON-MILITARY SERVICE
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF MONTGOMERY
s.s.:
THE UNDERSIGNED being duly sworn, deposes and says that the averments herein are
based upon investigations made and records maintained by us either as Plaintiffor as servicing agent
of the Plaintiff herein named and that the above named Defendants aze not in the Military or Naval
Service of the United States of America or its Allies as defined under the Soldiers and Sailors Civil
Relief Act of 1940, as amended, and that the age and last known residence and employment of each
Defendant aze as follows:
Defendant Connie L. Paylor
Age Over 18
Residence 200 Fourth Street, P.O. Box 58, Summerdale, PA 17093
Employment Unknown
Sworn to and subscribed
before m~th~ ~
day of >o, ua~ i+ , 200y.
Not ubl'
IA S
NOTA L
GARRETT J. MILL ,Notary Public
Hatboro Boro, Montgomery County
My Commission Expires April 30, 2006
~ti ,.~ a~
NAME: Tim Sharble
TITLE: Foreclosure Specialist
COMPANY: GMAC Mortgage Corporation
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
Bazbaza A. Fein, Esquire / I.D. No. 53002
Kristen J. DiPaolo, Esquire / I.D. No. 79992
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215) 653-7450
Attorneys for Plaintiff
GMAC MORTGAGE CORPORATION,
Plaintiff,
COURT OF COMMON PLEA5
CUMBERLAND COUNTY
v.
CONNIE L. PAYLOR,
Defendant.
NO. 04-1315 Civil Term
CERTIFICATION OF MAILING OF NOTICE UNDER PA. RCP RULE 237.1
The undersigned hereby certifies that a written Notice of Intention to File a Praecipe for the
Entry of Default Judgment was mailed to the Defendant(s) and/or to their legal counsel of record,
if any, after the default occurred and at least ten (10) days prior to the date of the filing of the
Praecipe. Said Notice was sent on the date set forth in the appended copy of the Notice, sent as
stated.
Connie L. Paylor
200 Fourth Street
Summerdale, PA 17093
Dated: Apri120, 2004
THE LAW OFFICES OF BARBARA A. FE , P.C.
Bazbaza A. Fein, Esquire
Attorney for Plaintiff
Attorney I.D. No. 53002
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
Barbara A. Fein, Esquire / I.D. No. 53002
Kristen J. DiPaolo, Esquire / I.D. No. 79992
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215) 653-7450
Attorneys for Plaintiff
GMAC MORTGAGE CORPORATION,
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
v.
CONNIE L. PAYLOR,
Defendant.
NO. 04-1315 Civil Term
NOTICE OF INTENTION TO TAKE DEFAULT UNDER PA. RCP RULE 237.1
IMPORTANT NOTICE
You are in default because you have failed to enter a written appearance personally or by attorney
and file in writing with the court your defenses or objections to the claims set forth against you.
Unless you act within ten days from the date of this notice, a Judgment maybe entered against you
without a hearing and you may lose your property or other important rights.
You should take this paper to your lawyer at once. If you do not have a Lawyer, go to or telephone
the office set forth below. This office can provide you with information about hiring a lawyer. If
you cannot afford to hire a lawyer, this office maybe able to provide you with information about
agencies that may offer legal services to eligible persons at a reduced fee or no fee.
Cumberland County Court Administrator
4th Floor
Cumberland County Court House
1 Courthouse Square
Cazlisle, PA 17013
(717) 240-6200
NOTIFICACION IMPORTANTE
Usted se encuentra en estado de rebeldia por no haber tornado la accion requirida de su parte en este
case. Al no tomar la accion debida dentro de un termino de diez (10) dial de la fecha de esta
notificacion, el tribunapodra, sin necesidad de compazazecer usted in torte o escuchazpreuba alguna,
dictaz sentencia en su contra. Usted puede perder bienes y otros derechos importantes. Debe Ilevaz
esta notificacion a un abogado immediatamente. Si usted no tiene abogado o si no tiene dinero
suficiente paza tal servicio, vaya en persona o llame por telefono a la oficina cuya direction se
encuentra escrita abajo paza averiguaz donde se puede conseguir assitencia legal:
Cumberland County Court Administrator
4th Floor
Cumberland County Court House
1 Courthouse Squaze
Cazlisle, PA 17013
(717) 240-6200
Date of Notice: Apri120, 2004
PERSONS SERVED:
Connie L. Paylor
200 Fourth Street
Summerdale, PA 17093
THE LAW OFFICES OF BARBARA A, FEIN, P.C.
BY: `
Bazbaza A. Fein, Esquire
Attorney for Plaintiff
Attorney I.D. No. 53002
u.S. PosTAI. SERVICE CERTIFICATE OF MAILING
MAV BE USED FOR DOMESTIC AND INTERNATIONAL MAIL, DOES NOT
PROVIDE FOR INSURANCE-POSTMASTER
Received From: y'' ~^
/ ~~~9 ~?r
twr taw ~ P.a
425 CAMME RIVE , E
FORT WAGTON tA03 k
One piece Of oNinary mail atldressedl~- .!~`C` 5 ~~ f
ConnieL. Paylor
200 Fourth Street
Summerdale, PA 17093
f,~S, Fo~^ 3817, January 2001 ,~ ` J~
Scx~i lls ` IC I ~ ~. ,~:1 1 II.C' I C.e_ ~ ~- '
ARix~e ner¢,iq slt>tnvs
~~, or meter postApe 7,tl
~: _ post mask. IngUlre Qf
Postmaster f4rcurtdnt
fie.
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
Bazbaza A. Fein, Esquire / I.D. No. 53002
Kristen J. DiPaolo, Esquire / LD. No. 79992
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215)653-7450
Attorneys for Plaintiff
GMAC MORTGAGE CORPORATION,
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
v.
CONNIE L. PAYLOR,
Defendant.
NO. 04-1315 Civil Term
CERTIFICATION OF ADDRESS
I, Bazbaza A. Fein, Esquire, Attorney for the Plaintiff, GMAC Mortgage Corporation, hereby
certify that the Plaintiffs correct address is P.O. Box 4622 Waterloo, IA 50704-4622, and the last
lrnown address of the Defendant is as below.
Connie L. Paylor
200 Fourth Street
Summerdale, PA 17093
THE LAW OFFICES OF BARBARA A. IN, P.C.
BY: ~Q ~t '
Barbara A. Fein, Esquire
Attorney for Plaintiff
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
Barbara A. Fein, Esquire / I.D. No. 53002
Kristen J. DiPaolo, Esquire / LD. No. 79992
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215)653-7450
Attorneys for Plaintiff
GMAC MORTGAGE CORPORATION,
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
v.
CONNIE L. PAYLOR,
Defendant.
NO.04-1315 Civil Term
CERTIFICATE OF SERVICE
I, Barbara A. Fein, Esquire, Attorney for the Plaintiff, GMAC Mortgage Corporation, hereby
certify that I have served a true and correct copy of the appended mortgage foreclosure
pleadings/papers upon the following party at the last known address and/or upon an attorney of
record, as noted:
Connie L. Paylor
200 Fourth Street
Summerdale, PA 17093
THE LAW OFFICES OF BARBARA A. IN, P.C.
BY: / ~~s~~
Bazbaza A. Fein, Esquire
Attorney for Plaintiff
OFFICE OF THE PROTHONOTARY
COURT OF COMMON PLEAS
Cumberland County Court House
1 Courthouse Square
Carlisle, PA 17013
CURT LONG, PROTHONOTARY
TO: Connie L. Paylor
200 Fourth Street
Summerdale, PA 17093
GMAC MORTGAGE CORPORATION,
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
v.
CONNIE L. PAYLOR,
Defendant.
N0.04-1315 Civil Term
NOTICE
Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you aze hereby notified that a
judgment has been entered against you in the above captioned proceeding as indicated below.
CURT LONG, PROTHONOTARY
[XX] Judgment by Default Entered
IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL:
BARBARA A. FEIN, ESQUIRE AT (215) 653-7450.
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COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
GMAC MORTGAGE CORPORATION,
Plaintiff,
COURT OF COMMON PLEAS
v.
CONNIE L. PAYLOR,
Defendant.
NO.04-1315 Civil Term
PRAECIPE TO ISSUE WRIT OF EXECUTION
(MORTGAGE FORECLOSURE)
TO THE PROTHONOTARY:
Kindly issue a Writ of Execution in the above matter, directed to the Sheriff of Cumberland
County, against Connie L. Paylor, Defendant, and real property situated at 200 Fourth Street,
Township of East Pennsboro, Cumberland County, Pennsylvania 17093.
AMOUNT DUE
INTEREST FROM May 3, 2004
Through December 8, 2004
SUBTOTAL
COSTS TO BE ADDED
THE LAW OFFICES OF BARBARA A.
BY: ~~(~
Bazbaza A. Fein, Esquire
Attorney LD. No. 53002
425 Commerce Drive, Suite 0
Fort Washington, PA 1903
(215)653-7450
$74,151.05
2,655.24
$76,806.29
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THE LAW OFFICES OF BARBARA A. FEIN, P.C.
File No.03-10122
Bazbaza A. Fein, Esquire / LD. No. 53002
Kristen J. DiPaolo, Esquire / LD. No. 79992
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215)653-7450
Attorney for Plaintiff
GMAC MORTGAGE CORPORATION,
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
v.
CONNIE L. PAYLOR,
Defendant.
NO.04-1315 Civil Term
AFFIDAVIT UNDER PA. RCP RULE 3129
GMAC Mortgage Corporation, Plaintiffin the above captioned mortgage foreclosure action,
sets forth as of the date the praecipe for the Writ of Execution was filed, the following information
concerningthe real property located at 200 Fourth Street, Summerdale, Township ofEast Pennsboro,
Cumberland County, Pennsylvania, was true and correct to the best of its knowledge, information
and belief.
Name and address of each Owner and/or Reputed Owner;
Connie L. Paylor
200 Fourth Street
Summerdale, PA 17093
2. Name and address of each Defendant named in the judgment:
Connie L. Paylor
200 Fourth Street
Summerdale, PA 17093
3. Name and last known address of every judgment creditor whose judgment is a record lien
on the real property to be sold:
None
4. Name and address of the last recorded holder of every mortgage of record:
GMAC Mortgage Corporation, Plaintiff
P.O. Box 4622
Waterloo, IA 50704-4622
Name and address of every other person or entity which has any record lien on the property:
None
6. Name and address of every other person or entity which has any record interest in the
property and whose interest maybe affected by the sale:
Cumberland County Tax Claim Bureau
1 Courthouse Square
Carlisle, PA 17103
East Pennsboro Sewer Authority
98 South Enola Drive
Enola, PA 17025
Pennsylvania-American Water Co.
852 Wesley Drive
Mechanicburg, PA 17055
Alicia D. Stine
98 South Enola Drive
Enola, PA 17025
7. Name and address of every other person of whom the Plaintiff has knowledge who may have
an interest in the properly which maybe affected by the sale:
Tenant/Occupant
200 Fourth Street
Summerdale, PA 17093
Cumberland County Domestic Relations
13 N. Hanover Street
Carlisle, PA 17013
Commonwealth of Pennsylvania
Department of Welfare
P.O. Box 2675
Harrisburg, PA 17105
I verify that the statements made in this Affidavit are true and correct to the best of my
personal knowledge, information and belief. I understand that false statements herein aze made
subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities.
Date: July 13, 2004
THE LAW OFFICES OF
BY:
Bazbara A. Fein, Esgi
Attorney for Plaintiff
FEIN, P.C.
.
,...
(
_.. ` .
THE LAW OFFICES OF BARBARA A. FEIN, P.C. Fu~,va.as-tolzz
Barbara A. Fein, Esquire / LD. No. 53002
Kristen J. DiPaolo, Esquire / LD. No. 79992
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215)653-7450
Attorney for Plaintiff
COURT OF COMMON PLEAS
GMAC MORTGAGE CORPORATION, CUMBERLAND COUNTY
Plaintiff,
v.
NO.04-1315 Civil Tenn
CONNIE L. PAYLOR,
Defendant.
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: Connie L. Paylor
200 Fourth Street
Summerdale, PA 17093
Your house at 200 Fourth Street, Township of East Pennsboro, Cumberland County, Pennsylvania
is scheduled to be sold by the Cumberland County Sheriffs Department on December 8, 2004 at the
Cumberland County Court House, l Courthouse Square, Cazlisle, Pennsylvania, to enforce the Court
judgment of $74,151.05 obtained by Plaintiff, GMAC Mortgage Corporation, against you.
NOTICE OF OWNERS' RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriffs Sale, you must take immediate action:
1. This sale will be canceled if you pay to Plaintiff Mortgagee the back payments, late
chazges, costs and reasonable attorneys' fees due. To find out how much you must pay, you may call
Jessica McVittie at (215) 653-7450.
2. You may be able to stop the sale by filing a petition asking the Court to strike or open
the Judgment, if the judgment was improperly entered. You may also ask the Court to postpone the
sale for good cause.
3. You may also be able to stop the sale through other legal proceedings.
You may need an attomey 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 attomey).
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 price bid by calling Jessica McVittie at (215) 653-7450, or by calling the
Cumberland County Sheriffs Department at (717) 240-6390.
2. You may be able to petition the Court to set aside the sale if the bid price was grossly
inadequate compared to the value of your property.
3. The sale will go through only if the buyer pays the Sheriff the full amount bid in the
sale. To find out ifthis has happened, you may call Jessica McVittie at (215) 653-7450, or by calling
the Cumberland County Sheriffs Department at (717) 240-6390.
4. If the amount due from the buyer is not paid to the Cumberland County Sheriff, you
will remain the owner of the property as if the sale had 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 shaze of the money which was paid for your house. A
schedule of distribution of the money bid for your house will be filed by the Cumberland County
Sheriff on or about thirty (30) days from the date of Sheriff s Sale. This schedule will state who will
be receiving that money. The money will be paid out in accordance with this schedule unless
exceptions (reasons wlty the proposed distribution is wrong) are tiled with the Sheriffwithin ten (i 0)
days after the distribution sheet is posted.
7. You may also have other rights and defenses, or ways of getting your house back, if
you act immediately after the sale.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT HAVE
A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE
CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT
AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH
INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE
PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Court Administrator
4th Floor
Cumberland County Court House
1 Courthouse Square
Carlisle, PA 17013
(717) 240-6200
DESCRIPTIOti
ALL THOSb TWO CERTAIN adiacent lots or parcels of land, together with the improvements thereon
erected. situate in East Pennsboro Township. Cumberland Counn~. Pennnsvlvania, bounded and described
as follows. to wit:
BEGINNLVG at a point in the Northeast corner of the intersection of Fourth Street and a sixteen (161
feet wide alley; thence Northwardly along the Eastern line of Fourth Street, sixty (60) feet to the
Southern line of Lot No. 93, Sectiou "_~1"; on the hereinafter mentioned Plan of Lots, thence Eastwardly
along Che Southern line or- Lot No. 93, Section "A"; one hundred silty (160) feet to the Western Iine
of a sixteen (16) feet wide alley; Thence Sourhwardiy along the Western line of said sixteen (16) feet
wide alley. sixty (60) feet to the Nor<hwest corner of the intersection of said sixteen (16) feet wide alley
with the sixteen f?6j feet wide alley first mentioned, thence Westwardly alone the Northern line of the
sixteen (16) feet wide slley first mentioned, one hundred sixty (160) feet to a point, the place of
beginning.
BEING Lots Nos. 91 and 92, Section "A" in the Plan of Lots known as Summerdale, Pennsylvania,
said Plan being recorded in the Office for the Recording of Deeds in and for Cumberland County, in
Plan Book 1. Page 44 (Revised Plan, Book 2, Page"109).
HAVING thereon erected cone-story frame dwelling Numbered 200 Fourth Street, Summerdale,
Pennsylvania.
Tax Parcel #0912-2994052
~>
-- _,
~_:
WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 04-1315 Civil
CIVIL ACTION -LAW
TO THE 5HERTFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due GMAC MORTGAGE CORPORATION, Plaintiff (s)
From CONNIE L. PAYLOR
(1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL
DESCRIPTION
(2) You are also duetted to attach the property of the defendant(s) not levied upon in the possession
of
GARNISHEE(S) as follows:
and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof;
(3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a
garnishee and is enjoined as above stated.
Amount Due $74,151.05
L.L. $.50
Interest FROM 5/3/04 THROUGH 12/8/04 - $2,655.24
Atty's Comm % Due Prothy $1.00
Atty Paid $121.04
Plaintiff Paid
Other Costs
Date: JULY 26, 2004
(Seal)
REQUESTING PARTY:
Name BARBARA A. FEIN, ESQUIRE
Address: 425 COMMERCE DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
Attorney for: PLAINTIFF
Telephone:215-653-7450
CURTIS R. LONG
Prothonot (~
By: /JOB a _ r-
Deputy
~CJ1/Lr9~
Supreme Court ID No. 53002
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
Barbara A. Fein, Esquire / I.D. No. 53002
Kristen D. Little, Esquire / I.D. No. 79992
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215)653-7450
Attorney for Plaintiff
GMAC MORTGAGE CORPORATION,
Plaintiff,
v.
CONNIE L. PAYLOR,
Defendant.
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO.04-1315 Civil Term
AMENDED AFFIDAVIT UNDER PA RCP RULE 3129
File No.03-10112
GMAC Mortgage Corporation, Plalntiffin the above captioned mortgage foreclosure
action, sets forth as of the date the praecipe for the Writ of Execution was filed, the following
information concerning the real property located at 200 Fourth Street, Summerdale, Township of
East Pennsboro, Cumberland County, Pennsylvania, was true and correct to the best of its
knowledge, information and belief.
Name and address of each Owner and/or Reputed Owner:
2.
3.
Connie L. Paylor
200 Fourth Street
Summerdale, PA 17093
Name and address of each Defendant named in the judgment:
Connie L. Paylor
200 Fourth Street
Summerdale, PA 17093
Name and last known address of every judgment creditor whose judgment is a record lien
on the real property to be sold:
None
4. Name and address of the last recorded holder of every mortgage of record:
GMAC Mortgage Corporafion, Plaintiff
P.O. Box 4622
Waterloo, IA 50704-4622
Name and address of every other person or entity which has any record lien on the
property:
None
6. Name and address of every other person or enfity which has any record interest in the
property and whose interest maybe affected by the sale:
Cumberland County Tax Claim Bureau
1 Courthouse Squaze
Carlisle, PA 17103
East Pennsboro Sewer Authority
98 South Enola Drive
Enola, PA 17025
Pennsylvania-American Water Co.
852 Wesley Drive
Mechanicburg, PA 17055
Alicia D. Stine
98 South Enola Drive
Enola, PA 17025
7. Name and address of every other person of whom the Plaintiff has knowledge who may
have an interest in the property which maybe affected by the sale:
Tenant/Occupant
200 Fourth Street
Summerdale, PA 17093
Cumberland County Domestic Relations
13 N. Hanover Street
Carlisle, PA 17013
Commonwealth of Pennsylvania
Department of Welfare
P.O. Box 2675
Harrisburg, PA 17105
Commonwealth of Pennsylvania
Department of Revenue
Inheritance Tax Division
Bureau of Compliance
LCB Clearance/Sheriff
ATTN: Terry Quigley
Department #280946
Harrisburg, PA 17128
The Internal Revenue Service
Special Procedures Branch
Federated Investors Tower
Thirteenth Fl., Suite 1300
1001 Liberty Ave.
Pittsburgh, PA 15222
I verify that the statements made in this Affidavit aze true and correct to the best of my
personal knowledge, information and belief. I understand that fislse statements herein aze made
subject to the penalties of 18 Pa.C.S. Section 4904 relating to ur~sworn falsification to authorities.
Date: October 22, 2004
THE LAW OFFICES OF 13ARBARA A. FEIN, P.C.
BY:
Bazbaza A. Fein, Eisquire
Attorney for Plaintiff
Attorney I.D. No. 53002
~.~
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THE LAW OFFICES OF BARBARA A. FEIN, P.C. o3-roiz2
Barbara A. Fein, Esquire / I.D. No. 53002 830000742
Kristen D. Little, Esquire / I.D. No. 79992
Suite 100, 425 Commerce Drive
Fort Washington, PA 19034
(215)653-7450
Attorney for Plaintiff
GMAC MORTGAGE CORPORATION,
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
v.
CONNIE L. PAYLOR,
Defendant.
N0.04-1315 Civil Term
CERTIFICATION OF NOTICES OF SALE TO LIENHOLDERS
I, Dionne Winstead, Paralegal to Barbara A. Fein, Esquire, attorney for Plaintiff, hereby
certify that upon information and belief, diligent efforts have been made to identify all
persons/entities having mortgages, judgments, liens, or other ir-terest in the subject premises of the
foreclosure proceeding, and that such persons/entities have been sent Notices of Sheriffs Sale
(attached hereto as Exhibit "A") and that said Notices were duly served upon them in accordance
with Pennsylvania Rule of Civil Procedure Rule 3129. (Proof' of mailing with a postmark date of
October 22, 2004 is appended hereto and incorporated herein by reference as Exhibit "B").
I declare under penalty of perjury that the foregoing is true and correct.
October 25, 2004
THE LA~V OFFICES OF BARBARA A. FEIN, P.C.
Dionne Winstead, Paralegal
to Barbara A. Fein, Esquire
Attorney for Plaintiff
cc: Sheriff s Department
NEW JERSEY OFFICE
20000 Horizon Way, Suite 900
Mount Laurel, New Jersey 08054-4318
(856) 596-5552
Barbara A. Fein, Esquire
Kristen J. DiPaolo, Esquire
Member of Pennsylvania
and New Jersey Bars
(215) 653-7450
FAX: (215) 653-7454
July 13, 2004
NOTICE OF CUMBERLAND COUNTY S13ERIFF'S SALE
TO: All Parties in Jnterest and Claimants
OWNER(S): Connie L. Paylor
PROPERTY: 200 Fourth Street
Township of East Pennsboro
County of Cumberland, PA 17093
PITTSBURGH OFFICE
110 Atwood Street, No. 680
Pittsburgh, PA 15213
(412)361-8286
File No. 03-10122
Improvements:
One Story Residential Dwelling
Cumberland County
Court of Common Pleas
No. 04-1315 Civil Term
Please be advised that the above captioned property (and any improvements thereon) is scheduled
to be sold by the Cumberland County Sheriff s Department on December 8, 2004 at the Cumberland
County Court House, 1 Courthouse Square, Carlisle, Pennsylvania. This sale is scheduled pursuant
to a judgment entered in the amount of $74,151.05 in the Court of Common Pleas for Cumberland
County.
Our records indicate that you may hold a mortgage or judgrrlent on the property which may be
extinguished (removed) by the sale. You may wish to attend tihe sale to protect your interests.
A schedule of distribution will be filed by the Sheriff on a date :>pecified by the Sheriff not later than
thirty (30) days after the sale. Distribution will be made in accordance with the schedule unless
exceptions are filed thereto within ten (10) days after the filing; of the schedule. You may call the
Cumberland County Sheriffs Department at (717) 240-6390 for the date on which the distribution
schedule will be posted.
Sincerely,
THE LAW OFFICES OF BARBARA A.
BY:
Barbara A. Fein, Esquire
Attorney for Plaintiff
THE LAW OFFICES OF
BARBARA A. FEIN, P.C'.
Suite 100
425 Commerce Drive
Fort Washington, PA 19034
(?.
P.C.
DESCRIPTION
ALL THOSE TWO CERTAIN adjacent lots or parcels of land, together with the improvements thereon
erected, situate in East Pennsboro Township, Cumberland County,yPennsylvania, bounded and described
as follows, to wit:
BEGINNING at a point in the Northeast corner of the intersection of Fourth Street and a sixteen (16)
feet wide alley; thence Northwardly along the Eastern line of hourth Street, sixty (60) feet to the
Southern line of Lot No. 93, Section "A", on the hereinafter mentioned Plan of Lots; thence Estwardly
along the Southern line of Lot No. 93, Section "A", one hundred. sixty (160) feet to the Western line
of a sixteen (16) feet wide alley; thence Southwardly along the tiVestern line of said sixteen (16} feet
wide alley, sixty (60) feet to the Northwest corner of the intersection of said sixteen (16) feet wide alley
with the sixteen (16) feet wide alley first mentioned; thence Westwardly along the Northern line of the
sixteen (16) feet wide alley first mentioned, one hundred sixty (160) feet to a point, the place of
beginning.
BEING Lots Nos. 91 and 92, Section "A" in the Plan of Lots k~lown as Summerdale, Pennsylvania,
said Plan being recorded in the Office for the Recording of Deeds in and for Cumberland County, in
Plan Book 1, Page 44 (Revised Plan, Book 2, Page ~ 109) .
HAVING thereon erected cone-story frame dwelling Numbered ?00 Fourth Street, Summerdale,
Pennsylvania. ~ , ..
Tax Parcel #0912-2994052
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GMAC Mortgage Corporation In The Court of Common Pleas of
VS Cumberland County, Pennsylvania
Connie L. Paylor Writ No. 2004-1315 Civil Term
Brian Barrick, Deputy Sheriff, who being duly sworn according to law, states t
on September 20, 2004 at 7:48 o'clock PM, he served a true copy of the within Real
Estate Writ, Notice of Sheriffs Sale and Description, in the above entitled action, upon
the within named defendant, to wit: Connie L. Paylor, by making known unto Connie
Paylor, personally, at 200 Fourth St., Summerdale, Cumberland County, Pennsylvania,
contents and at the same time handing to hex personally the said true and correct copy o
the same.
Ron Hoover, Deputy Sheriff, who being duly sworn according to law, states tha
on October 07, 2004 at 2:58 o'clock P.M., he posted a true copy of the within Real Esta
Writ, Notice, Poster and Description, in the above entitled action, upon the property of ~
Connie L. Paylor located at 200 Fourth Street, Summerdale, 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 named
defendant, to wit: Connie L. Paylor, by regular mail to her last known address of 200
Fourth Street, Summerdale, PA 17093. This letter was mailed under the date of October
06, 2004 and never returned to the Sheriff s Office.
R. Thomas Kline Sheriff, who being duly sworn according to law, states this wri
is returned STAYED per instructions from Attorney Barbara Fein.
Sheriffs Costs:
Docketing 30.00
Poundage 15.00
Advertising 15.00
Posting Bills 15.00
Levy 15.00
Mileage 23.68
Surcharge 20.00
Law Library .50
Prothonotazy 1.00
Law Journal 270.05
Patriot News 309.43
Postpone Sale 20.00
Share of Bills 30.42
$765.08
Sworn and subscribed to before me
This day of*~%/~s.~.,
2005, A.D. ~ ~~~
Prothonotary
So
R. Thomas Kline, Sheriff
BY
Real Estat eputy
~.
1)
I'~~~ ~~
ilp~~~`I
1
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
Barbara A. Fein, Esquire / I.D. No. 53002
Kristen J. DiPaolo, Esquire / LD. No. 79992
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215) 653-7450
Attorney for Plaintiff
GMAC MORTGAGE CORPORATION,
Plaintiff,
v.
CONNIE L. PAYLOR,
Defendant.
F~t~
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO. 04-1315 Civil Tenn
AFFIDAVIT UNDER PA. RCP RULE 3129
GMAC Mortgage Corporation, Plaintiffin the above captioned mortgage foreclc
sets forth as of the date the praecipe for the Writ of Execution was filed, the following
concerning the real property located at 200 Fourth Street, Summerdale, Township ofEast
Cumberland County, Pennsylvania, was true and correct to the best of its knowledge,
and belief.
Name and address of each Owner and/or Reputed Owner:
Connie L. Paylor
200 Fourth Street
Summerdale, PA 17093
Name and address of each Defendant named in the judgment:
Connie L. Paylor
200 Fourth Street
Summerdale, PA 17093
Name and last known address of every judgment creditor whose judgment is a
on the real property to be sold:
~,
lien
Ncne
4. Name and address of the last recorded holder of every mortgage of record:
GMAC Mortgage Corporation, Plaintiff
P.O. Box 4622
Waterloo, IA 50704-4622
5. Name and address of every other person or entity which has any record lien on the
None
6. Name and address of every other person or entity which has any record interest in
property and whose interest maybe affected by the sale:
Cumberland County Tax Claim Bureau
1 Courthouse Square
Carlisle, PA 17103
East Pennsboro Sewer Authority
98 South Enola Drive
Enola, PA 17025
Pennsylvania-American Water Co.
852 Wesley Drive
Mechanicburg, PA 17055
Alicia D. Stine
98 South Enola Drive
Enola, PA 17025
7. Name and address of every other person ofwhom the Plaintiffhas knowledge who may
an interest in the property which may be affected by the sale:
Tenant/Occupant
200 Fourth Street
Summerdale, PA 17093
Cumberland County Domestic Relations
13 N. Hanover Street
Carlisle, PA 17013
Commonwealth of Pennsylvania
Department of Welfare
P.O. Box ?675
Harrisburg, PA 17105
I verify that the statements made in this Affidavit are true and correct to the best of my
personal knowledge, information and belief. I understand that false statements herein ar made
subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to auth cities.
Date: July 13, 2004
THE LAW OFFICES OF BARBARALA. FEIN, P.C.
Barbara A. Fein, Esgt
Attorney for Plaintiff
Attorney LD. No. 53C
THE LAW OFFICES OF BARBARA A. FEIN, P.C. Fr~~rvo.~3-totza
Barbara A. Fein, Esquire . LD. No. 53002
Kristen J. DiPaolo, Esquire / LD. No. 79992
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215) 653-7450
Attorney for Plaintiff
GMAC MORTGAGE CORPORATION
Plaintiff,
v.
CONNIE L. PAYLOR,
Defendant.
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO.04-1315 Civil Term
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: Connie L. Paylor
200 Fourth Street
Summerdale, PA 17093
Your house at 200 Fourth Street, Township of East Pennsboro, Cumberland County,
is scheduled to be sold by the Cumberland County Sheriff s Department on December 8, 2004
Cumberland County Court House, l Courthouse Square, Carlisle, Pennsylvania, to enforce the
the
judgment of $74,151.05 obtained by Plaintiff, GMAC Mortgage Corporation, against you.
N
NOTICE OF OWNERS' RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriffs Sale, you must take immediate action:
1. This sale will be canceled if you pay to Plaintiff Mortgagee the back payme ts, late
charges, costs and reasonable attorneys' fees due. To find out how much you must pay, you ay call
Jessica McVittie at (215) 653-7450.
2. You may be able to stop the sale by filing a petition asking the Court to strike open
the Judgment, if the judgment was improperly entered. You may also ask the Court to postp ne the
sale for good cause.
3. You may also be able to stop the sale tlu-ough other legal proceedings.
You may need an attorney to assert your rights. The sooner you contact one, the more
you will have of stopping the sale. (See notice below on how to obtain an attorney).
YOU MAY ST1I,L BE ABLE TO SAVE YOUR PROPERTY AND
1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bi der.
You may find out the price bid by calling Jessica McVittie at (215) 653-7450, or by callin the
Cumberland County Sheriffs Department at (717) 240-6390.
2, You may be able to petition the Court to set aside the sale if the bid price was
inadequate compared to the value of your property.
3. The sale will go through only if the buyer pays the Sheriff the full amount bid i~the
sale. To find out if this has happened, you may call Jessica McVittie at (215) 653-7450, or by ca ing
the Cumberland County Sheriffs Department at (717) 240-6390.
4. If the amount due from the buyer is not paid to the Cumberland County Sheriff,
will remain the owner of the property as if the sale had never happened.
5. You have the right to remain in the property until the full amount due is paid
Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal procef
to evict you.
6. You maybe entitled to a share of the money which was paid for your house. A
schedule of distribution of the money bid for your house will be filed by the Cumberland Cou ty
Sheriff on or about thirty (30) days from the date of Sheriffs Sale. This schedule will state who ill
be receiving that money. The money will be paid out in accordance with this schedule uul ss
exceptions (reasons whyihe proposed distribution is wrong] are vied with the Sheriffwithin ten (" 0)
days after the distribution sheet is posted.
7, You may also have other rights and defenses, or ways of getting your house~back, if
you act immediately after the sale.
PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Court Administrator
4th Floor
Cumberland County Court House
1 Courthouse Square
Carlisle, PA 17013
(717)240-6200
DESCRIPTION
ALL THOSE TWO CERT_~Iti adiacent lots or parcels or land, toeether wirh the improve.
erected. situate ir_ Eric Pennsboro Townshi_o. Cumberland County. Petmsvivania, bounded
as follows, ro wit:
BEGINNING st a point ir. the Northeast corner of the intersection of Forth Street and a sip
feet snide a11_ev: thence North~Nardh along the Eastern tine of Fourth Street, sixR~ (60) ft
Southern line of Lot _V"o. 93. Section ":~", on the hereinafter mentioned Plan of Lots: thence E
along the Southern line oT Lot No. 93, Section 'A", one hundred sixty (160) tee: to rha We
oI a sixteen { 1bi feet wide alley: thence Southwardly alone the Wastern line of said sixteen
wide sllep. silty (601 Feet to the Nonhwest corner of the intersection or said sixteen (16i feet t
with roe sixteen (16j reel wide alley first mentioned:. Thence Westwardly along the Northern t
sixteen (l6) feet wide alley first mentioned, one hundred sixty (i60) feet to a point, the
be~:nnino.
BEING Lors IVos. 91 and 92. Section "~" in the Plan of Lots known as Summerdale. Pe
said Ptan being recorded in the Office for the Recording of Deeds in and for Cumberland
Plan Book I, Paee 44 (Revised Plan, Book 2, Page~109).
HAVING thereon erected none-story frame dwelling Numbered 200 Fourth Street,
Pennsylvania.
thereon
°eni~61
t to the
rwtirdly
ern line
16) feet
de alley
e of the
,lace or
,m
Tas Parcel #0912-2994052
WRIT OF EXECUTION andfor ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 04-1315 Civil
CIVIL ACTION -
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due GMAC MORTGAGE CORPORATION, Plaintiff
From CONNIE L. PAYLOR
(1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL
DESCRIPTION
(2) You aze 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 gamishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined f m
paying any debt to ox for the account of the defendant (s) and from delivering any property of the defen an
(s) or otherwise disposing thereof;
(3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify him/her that be/she has been added a a
garnishee and is enjoined as above stated.
Amount Due $74,151.05
L.L. $.50
Interest FROM 5!3104 THROUGH 12/8/04 -- $2,655.24
A[ty's Comm % Due Prothy $1.00
Atty Paid $121.04
Other Costs
Plaintiff Paid
Date: JULY 26, 2004
(Seal)
CURTIS R. LONG
Deputy
REQUESTING PARTY:
Name BARBARA A. FEIN, ESQUIRE
Address: 425 COMMERCE DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
Attorney for: PLAINTIFF
Telephone:215-653-7450
Supreme Court ID No. 53002
Real Estate Sale #08
On August 18, 2004 the Sheriff levied upon the
defendant's interest in the real property situated in
East Pennsboro Township, Cumberland County, PA
Known and numbered as 200 Fourth Street,
Summerdale, more fully described on Exhibit "A"
filed with this writ and by this reference incorporated herein.
Date: August 18, 2004 By: ~6 ' ~~-~~ ~~
Real Esta e Deputy
~.;
t', I;SiI'~3d
,, t ~ Z ! 21n('
A : a;
-.REAL ESTATE SALE No. 08
Writ No.2OO4=1375
CivilTerm
GMAC MoHgage Corp.
Vs
Connie L. Paylo~
Atly: Barbara A. Fein,
DESC~.~ 'TION
..ALL THOSE TWO CERTAIN adjacent lots or
parcels of land, togethe[ with the improvemems
thereon erected situak in East Penosboro
Township, Cwnbaland County,. Pennsylvania,
tiounded a~ described as follows, to wit:
BEGINNB3G at a point in the Northeast comer
of dte intersection. of FourtlY Sbeetand a simeen
(16) feet. wide alley; tLence Northwardly along
the.Eastetn line of Fourth Sweet; sixty (60) feet to
the Souduxn line of Lot No. 93, Section A", on
the heieinaftet mentioned Plan of Lots; thence
Eastwardly aloitg the Southemlineof I:ot No. 93,
Secfion:"A one ltundad suty (160) feet to`the
Western line of a sixteen (16) feet wide alley;
thence Southwardly along the Western lice of said
sixteen (Ib) feet wide alley, sixty (6(1), feet to the
Notdrwest -coma of t6e;. intersection of said
i si~y. (160) feet to a poinf, dre'pbtce of
BEGINNING.
BHNG Lots I3os. 91 and~2,:Secfion "A" m"the
Plan of Lots known as Suotmendaie, Fearuyl-
vaoia, said Plan being recorded is the Officefor
the Recording of Deeds in and for Cumbedand
County, in Plan Book 1, Page 44 (Revised Plan,
Book 2, Page 109y
HAVING thereon. erected a ono-story frame
dwelling Numbered 21)0 Fourth Stree4 Sutmner-
dale,Pennsylvania.
TAX PARCEL f10 9 1 2-2 9 94 05 2.
REAL ESTATE SALE NO. S
Writ No. 2004-1315 Civil
GMAC Mortgage Corporation
vs.
Connie L. Paylor
Atty.: Bazbaza A. Fein
DESCRIPTION
ALL THOSE TWO CERTAIN adja-
cent lots or pazcels of land, together
with the improvements thereon
erected, situate in East Pennsboro
Township, Cumberland County,
Pennsylvania, bounded and de-
scribed as follows, to wit:
BEGINNING at a point in the
Northeast comer of the intersection
of Fourth Street and a sixteen (16)
feet wide alley; thence Northwazdly
along the Eastern line of Fourth
Street, sixty (60) feet to the South-
ern line of Lot No. 93, Section "A",
on the hereinafter mentioned Plan
of Lots; thence Eastwazdly along the
Southern line of Lot No. 93, Section
"A", one hundred sixty (160) feet to
the Western line of a sixteen (16)
feet wide alley; thence Southwazdly
along the Western line of said six-
teen (16) feet wide alley, sixty (60)
feet to the Northwest comer of the
intersection of said sixteen (16) feet
wide alley with the sixteen (16) feet
wide alley first mentioned: thence
Westwardly along the Northern line
of the sixteen (16) feet wide alley
first mentioned, one hundred sixty
(160) feet to a point, the place of be-
ginning.
BEING Lots Nos. 91 and 92,
Section "A" in the Plan of Lots known
as Summerdale, Pennsylvania, said
Plan being recorded in the Office
for the Recording of Deeds in and
for Cumberland County, in Plan
Book 1, Page 44 (Revised Plan,
Book 2, Page 109).
HAVING thereon erected aone-
story frame dwelling Numbered 200
Fourth Street. Summerdale, Penn-
sylvania.
Tax Parcel #0912-2994052.
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
GMAC MORTGAGE CORPORATION,
Plaintiff,
COURT OF COMMON PLEAS
v.
CONNIE L. PAYLOR,
Defendant.
NO. 04-1315 Civil Term
PRAECIPE TO ISSUE WRIT OF EXECUTION
(MORTGAGE FORECLOSURE)
TO THE PROTHONOTARY:
Kindly issue a Writ ofExecution in the above matter, directed to the Sheriff of Cumberland
County, against Connie L. Paylor, Defendant, and real property situated at 200 Fourth Street,
Township of East Pennsboro, Cumberland County, Pennsylvania 17093.
AMOUNT DUE $74,151.05
INTEREST FROM May 3, 2004
Through September 7, 2005 4,764.07
SUBTOTAL $78,911.12
COSTS TO BE ADDED
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
BY:
Barbara A. Fein, Esquire
Attorney LD. No. 53002
425 Commerce Drive, Suit 100
Fort Washington, PA 19034
(215)653-7450
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WRIT OF EXECUTION and/or ATTACHMENT
COMMONIVEALTH OF PENNSYLVANIA) NO 04-1315 Civil
COUNTY OF CUMBERLAND) CIVIL ACTION -LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due GMAC MORTGAGE CORPORATION, Plaintiff (s)
From CONNIE L. PAYLOR,
(1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL
DESCRIPTION
(2) You axe also directed to attach the property of the defendant(s) not levied upon in the possessio^
of
GARNISHEE(S) as follows:
and [o notify the garnishee(s) that. (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof;
(3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a
garnishee and is enjoined as above stated.
Amount Due $74,151,05 L.L
Interest FROM 5/3104 THROUGH 9/7/05 - $4,760.07
Arty's Comm % Due Prothy $1.00
Atty Paid $898.62 Other Costs
Plaintiff Paid
Date: MAY 5, 2005
CURTIS R. LONG
Prothonotary ~'~J~
(Seal) Bv: ~ ¢ ~. / '/
C
Deputy
..
REQUESTING PARTY:
Name BARBARA A. FEIN, ESQUIRE
Address: 425 COMMERCE DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
Attorney for: PLAINTIFF
Telephone: 215-653-7450
Supreme Court ID No. 53002
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
Barbara A. Fein, Esquire / I.D. No. 53002
Kristen D. Little, Esquire / I.D. No. 79992
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215) 653-7450
Attorney for Plaintiff
GMAC MORTGAGE CORPORATION,
Plaintiff,
File Na.03-10122
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
v.
CONNIE L. PAYLOR,
Defendant.
NO. 04-1315 Civil Term
AFFIDA~/IT UNDER PA RCP RULE 3129
GMAC Mortgage Corporation, Plaintiffin the above captioned mortgage foreclosure action,
sets forth as of the date the praecipe for the Writ of Execution was filed, the following information
concerning the real property located at 200 Fourth Street, Summerdale, Township of East Pennsboro,
Cumberland County, Pennsylvania, was true and correct to the best of its knowledge, information
and belief.
Name and address of each Owner and/or Reputed Owner:
Connie L. Paylor
200 Fourth Street
Summerdale, PA 17493
Name and address of each Defendant named in the judgment:
Connie L. Paylor
200 Fourth Street
Summerdale, PA 17093
Name and last known address of every judgment creditor whose judgment is a record lien
on the real property to be sold:
None
4. Name and address of the last recorded holder of every mortgage of record:
GMAC Mortgage Corporation, Plaintiff
P.O. Box 4622
Waterloo, IA 50704-4622
5. Name and address of every other person or entity which has any record lien on the property:
None
6. Name and address of every other person or entity which has any record interest in the
property and whose interest maybe affected by the sale:
Cumberland County Tax Claim Bureau
1 Courthouse Square
Carlisle, PA 17103
East Pennsboro Sewer Authority
98 South Enola Drive
Enola, PA 17025
Pennsylvania-American Water Co.
852 Wesley Drive
Mechanicburg, PA 17055
Alicia D. Stine
98 South Enola Drive
Enola, PA 17025
Name and address of every other person ofwhom the Plaintiffhas knowledge who may have
an interest in the property which maybe affected by the sale:
TenantlOccupant
200 Fourth Street
Summerdale, PA 17093
Cumberland County Domestic Relations
13 N. Hanover Street
Carlisle, PA 17013
Commonwealth of Pennsylvania
Department of Welfare
P.O. Box 2675
Harrisburg, PA 17105
Department of the Treasury
Internal Revenue Service
600 Arch Street Room 5200
Philadelphia, PA 19106
Internal Revenue Service
Box 8318
Philadelphia, PA 19162-0825
Joseph P. Schalk, Esquire
for GMAC Mortgage Corporation
1 Penn Ctr at Suburban St 1617 JFK Blvd
Philadelphia, PA19103-1814
Judith T. Romano Esquire
Phelan Hallinan & Schmieg
1617 JFK Boulevard
Philadelphia, PA19103-1814
I verify that the statements made in this Affidavit aze true and correct to the best of my
personal knowledge, information and belief. I understand that false statements herein are made
subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities.
Date: Apri129, 2005
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
BY: ~ l~ .
Barbaza A. Fein, Esquire
Attomey for Plaintiff
Attorney I.D. No. 53002
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s_,~ ..
Q ~~~~ti'
..~';. ~Y ~.. ~`1
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
Barbara A. Fein, Esquire / I.D. No. 53002
Ftle No.03-10112
Kristen D. Little, Esquire / I.D. No. 79992
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215) 653-7450
Attorney for Plaintiff
GMAC MORTGAGE CORPORATION,
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
v.
CONNIE L. PAYLOR,
Defendant.
N0.04-1315 Civil Term
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: Connie L. Paylor
200 Fourth Street
Summerdale, PA 17093
Your house at 200 Fourth Street, Township of East Pennsboro, Cumberland County, Pennsylvania
is scheduled to be sold by the Cumberland County Sheriff s Department on September 7, 2005 at the
Cumberland County Court House, l Courthouse Squaze, Carlisle, Pennsylvania, to enforce the Court
judgment of $74,151.05 obtained by Plaintiff, GMAC Mortgage Corporation, against you.
NOTICE OF OWNERS' RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriffs Sale, you must take immediate action:
1. This sale will be canceled if you pay to Plaintiff Mortgagee the back payments, late
charges, costs and reasonable attorneys' fees due. To find out how much you must pay, you may call
Jessica McVittie at (215) 653-7450.
2. You may be able to stop the sale by filing a petition asking the Court to strike or open
the Judgment, if the judgment was improperly entered. You may also ask the Court to postpone the
sale for good cause.
You may also be able to stop the sale through other legal proceedings.
You may need an attorney to assert your rights. The sooner you contact one, the more chance
you will have of stopping the sale. (See notice below on how to obtain 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.
1. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder.
You may find out the price bid by calling Jessica McVittie at (215) 653-7450, or by calling the
Cumberland County Sheriffs Department at (717) 240-6390.
2. You maybe able to petition the Court to set aside the sale if the bid price was grossly
inadequate compared to the value of your property.
3. The sale will go through only if the buyer pays the Sheriff the full amount bid in the
sale. To fmd out if this has happened, you may call Jessica McVittie at (215) 653-7450, or by calling
the Cumberland County Sheriffs Department at (717) 240-6390.
4. If the amount due from the buyer is not paid to the Cumberland County Sheriff, you
will remain the owner of the property as if the sale had 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 house. A
schedule of distribution of the money bid for your house will be filed by the Cumberland County
Sheriff on or about thirty (30) days from the date of Sheriffs Sale. This schedule will state who will
be receiving that money. The money will be paid out in accordance with this schedule unless
exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriffwithin ten (10)
days after the distribution sheet is posted.
7. You may also have other rights and defenses, or ways of getting your house back, if
you act immediately after the sale.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE
A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW THIS OFFICE
CAN PRO VIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT
AFFORD TO HIRE A LAWYER. THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH
INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE
PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Court Administrator
4th Floor
Cumberland County Court House
1 Courthouse Square
Carlisle, PA 17013
(717) 240-6200
DESCRIPTION
ALL THOSE TWO CERTAIN adjacent lots or parcels of land, together with the improvements thereon
erected, situate in East Pennsboro Township, Cumberland County, Pennsylvania, bounded and described
as follows, to wit:
BEGINNING at a point in the Northeast corner of the intersection of Fourth Street and a sixteen {16)
feet wide alley; thence Northwardly along the Eastern line of Fourth Street, sixty (60) feet to -the
Southern line of Lot No. 93, Section "A", on the hereinafter mentioned Plan of Lots; thence Eastwardly
along the Southern line of Lot No. 93, Section "A", one hundred sixty (160) feet to the Western line
of a sixteen {16) feet wide alley; thence Southwardly along the Western line of said sixteen (16) feet
wide alley, sixty (60) feet to the Northwest corner of the intersection of said sixteen (16) feet wide alley
with the sixteen (16} feet wide alley first mentioned; thence Westwardly along the Northern line of the
sixteen (16) feet wide alley first mentioned, one hundred sixty (160) feet to a point, the place of
beginning.
BEING Lots Nos. 91 and 92, Section "A" in the Plan of Lots known as Summerdale, Pennsylvania,
said Plan being recorded in the Office for the Recording of Deeds in and for Cumberland County, in
Plan Book 1, Page 44 {Revised Plan, Book 2, Page"109).
HAVING thereon erected aone-story frame dwelling Numbered 200 Fourth Street, Summerdale,
Pennsylvania.
Tax Parcel #0912-2994052
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THE LAW OFFICES OF BARBARA A. FEIN, P.C.
Bazbaza A. Fein, Esquire / LD. No. 53002
File, No. 03-10122
Loan No. 830000742
Kristen D. Little, Esquire / LD. No. 79492
Suite 100, 425 Commerce Drive
Fort Washington, PA 19034
(215) 653-7450
Attorney for Plaintiff
GMAC MORTGAGE CORPORATION,
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO. 04-1315 Civil Tenn
v.
CONNIE L. PAYLOR,
Defendant.
AFFIDAVIT OF SERVICE
I, Dionne Winstead, Pazalegal to Bazbaza A. Fein, Esquire, Attorney for the Plaintiff, GMAC
Mortgage Corporation, hereby certify that I have served a true and correct copy of the Notice of
Sheriffs Sale of Real Property on the Defendant, Connie L. Paylor on May 13, 2005, by certified
mail, postage pre-paid, and evidenced by the return receipt executed by Virginia Taylor, an
authorized agent of the Defendant, originals of which are attached hereto.
THE LAW OFF CES OF BARBARA A. FF,TN, P.C.
-F-
BY: ~ ~ ~,,~ ~i
Sworn to before me this
May 24, 2005.
Dj~onne Winstead, Pazalegal to
B~rbaza A. Fein, Esquire
Attorney for Plaintiff
tary Public
Notarial Seal
Jessica McViUle, Notary Public
Upper Dublin Twp-, n9o?taomory County
My Commission Expirz~= Jan t t, 2006
cc. Cumberland County Sher~s Dept.
~ ti
^ Complete items 1, 2, and 3. Also complete
hem 4 if Restricted Delivery is desired,
^ Print your name and address on the reverse
so that we can return the card to you.
^ Attach this card to the back of the mailpiece,
or on the front it space permits ,o*,,
1. Ankle Addressed to:
Connie L. Paylor
200 Fotuth Street
Stunmertiale, PA17093
~wh~N I.A.AgeM
by (Pn'nted Name)
O. Is delivery address tlifferbM from kem 1? U Yes
If YES, enter deNvery address below: ^ No
~Cenltled Mail ^ Express MaN
^ Registered ^ Retum Receipt for MercherWlae
^ Insured Meil ^ G.O.D.
4. ResMCted Delivery? (Extra Fee) ^ yes
2. Article Number 7p04 2510 onoo 1995 869^
(Trenaler /rom seMCe Isbell
PS Form 3811, AUQUat 2001 Domestic RBIYrO Receipt 102595-02-M-15M10
f floss ! ci(L L .17+r~
4..,
C.-
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".4
GMAC Mortgage Corporation The Court of Common Pleas of
VS Cumberland County, Pennsylvania
Connie L. Paylor Writ No. 2004-1315 Civil Term
Valerie Weary, Deputy Sheriff, who being duly sworn according to law, states
that on May 25, 2005 at 8:26 o'clock PM, he served a true copy of the within Real Estate
Writ, Notice of Sheriffs Sale and Description, in the above entitled action, upon the
within named defendant, to wit: Connie L. Paylor, by making known unto Connie L.
Paylor, personally, at 200 Fourth Street, Summerdale, Cumberland County,
Pennsylvania, its contents and at the same time handing to her personally the said true
and correct copy of the same.
Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states
that on July 13, 2005 at 5:10 o'clock P.M., he posted a true copy of the within Real Estate
Writ, Notice, Poster and Description, in the above entitled action, upon the property of
Connie L. Paylor, located at 200 Fourkh Street, Summerdale, 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 named
defendant, to wit: Connie L. Paylor, by regular mail to her last known address of 200
Fourth Street, Summerdale, PA 17093. This letter was mailed under the date of July O5,
2005 and never returned to the Sheriff s Office.
R. Thomas Kline, Sheriff, who being duly sworn according to law, states this writ
is returned STAYED per instructions from Attorney Barbara Fein.
Sheriffs Costs:
Docketing 30.00
Poundage 16.01
Advertising 15.00
Posting Handbills 15.00
Law Library
Prothonotary 1.00
Mileage 25.60
Certified Mail 2.12
Levy 15.00
Surchazge 30.00
Postpone Sale 20.00
Law Journal 341.00
Patriot News 287.81
Share of Bills 18,20
$816.74
Sworn and subscribed to before me
This _j~ F~day of ~_ ~ "^~~
2005, A.D.
rotho
L1 ~l
C~ ~ Sa~~l i
~',l~ i~~~`~t
~Answe s
.I" cL „~~i.~P
R. Thomas Kline Sheriff
BY
Real Estate ergeant
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
Barbara A. Fein, Esquire / I.D. No. 53002
Kristen D. Little, Esquire / LD. No. 79992
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215)653-7450
Attorney for Plaintiff
GMAC MORTGAGE CORPORATION,
Plaintiff,
File No.03-10122
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
v.
CONNIE L. PAYLOR,
Defendant.
NO. 04-1315 Civil'I'erm
AFFIDAVIT UNDER PA. RCP RULE 3129
GMAC Mortgage Corporation, Plaintiffin the above captioned mortgage foreclosure action,
sets forth as of the date the praecipe for the Writ of Execution was filed, the following information
concerning thereal propertylocated at 200 Fourth Street, Summerdale, Township ofEast Pennsboro,
Cumberland County, Pennsylvania, was true and correct to the best of its knowledge, information
and belief.
Name and address of each Owner and/or Reputed Owner:
Connie L. Paylor
200 Fourth Street
Summerdale, PA 17093
2. Name and address of each Defendant named in the judgment:
Connie L. Paylor
200 Fourth Street
Summerdale, PA 17093
3. Name and last known address of every judgment creditor whose judgment is a record lien
on the real property to be sold:
None
4. Name and address of the last recorded holder of every mortgage of record:
GMAC Mortgage Corporation, Plaintiff
P.O. Box 4622
Waterloo, IA 50704-4622
5. Name and address of every other person or entity which has any record lien on the property:
None
6. Name and address of every other person or entity which has any record interest in the
property and whose interest maybe affected by the sale:
Cumberland County Tax Claim Bureau
1 Courthouse Squaze
Cazlisle, PA 17103
East Pennsboro Sewer Authority
98 South Enola Drive
Enola, PA 17025
Pennsylvania-American Water Co.
852 Wesley Drive
Mechanicburg, PA 17055
Alicia D. Stine
98 South Enola Drive
Enola, PA 17025
7. Name and address of every other person of whom the Plaintiffhas knowledge who may have
an interest in the property which maybe affected by the sale:
Tenant/Occupant
200 Fourth Street
Summerdale, PA 17093
Cumberland County Domestic Relations
13 N. Hanover Street
Carlisle, PA 17013
Commonwealth of Pennsylvania
Deparment of Welfare
P.O. Box 2675
Harrisburg, PA 17105
Department of the Treasury
Internal Revenue Service
600 Arch Street Room 5200
Philadelphia, PA 19106
Internal Revenue Service
Box 8318
Philadelphia, PA 19162-0825
Joseph P. Schalk, Esquire
for GMAC Mortgage Corporation
1 Penn Ctr at Suburban St 1617 JFK Blvd
Philadelphia, PA19103-1814
Judith T. Romano Esquire
Phelan Hallinan & Schmieg
1617 JFK Boulevazd
Philadelphia, PA19103-1814
I verify that the statements made in this Affidavit are true and correct to the best of my
personal knowledge, information and belief. I understand that false statements herein are made
subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities.
Date: Apri129, 2005
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
Barbara A. Fein, Esquire
Attorney for Plaintiff
Attorney I.D. IQo. 53002
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
Barbara A. Fein, Esquire / LD. No. 53002
File No.03-10112
Kristen D. Little, Esquire / I.D. No. 79992
425 Commerce Drive, Suite 100
Fort Washington, PA 19034
(215)653-7450
Attorney for Plaintiff
GMAC MORTGAGE CORPORATION,
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
v.
CONNIE L. PAYLOR,
Defendant.
N0.04-1315 Civil Term
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: Connie L. Paylor
200 Fourth Street
Summerdale, PA 17093
Your house at 200 Fourth Street, Township of East Pennsboro, Cumberland County, Pennsylvania
is scheduled to be sold by the Cumberland County Sheriffs Department on September 7, 2005 at the
Cumberland County Court House, l Courthouse Square, Cazlisle, Pennsylvania, to enforce the Court
judgment of $74,151.05 obtained by Plaintiff, GMAC Mortgage Corporation, against you.
NOTICE OF OWNERS' RIGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriffs Sale, you must take immediate action:
1. This sale will be canceled if you pay to Plaintiff Mortgagee the back payments, late
chazges, costs and reasonable attorneys' fees due. To find out how much you must pay, you may call
Jessica McVittie at (215) 653-7450.
2. You may be able to stop the sale by filing a petition asking the Court to strike or open
the Judgment, if the judgment was improperly entered. You may also ask the Court to postpone the
sale for good cause.
You may also be able to s~ the sale through other legal proceedings.
You may need an attorney to assert your rights. The sooner you contact one, the more chance
you will have of stopping the sale. (See notice 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 price bid by calling Jessica McVittie at (215) 653-7450, or by calling the
Cumberland County Sheriffs Department at (717) 240-6390.
2. You may be able to petition the Court to set aside the sale if the bid price was grossly
inadequate compared to the value of your property.
3. The sale will go through only if the buyer pays the Sherit3'the full amount bid in the
sale. To find out if this has happened, you may call Jessica McVittie at (215) 653-7450, orby calling
the Cumberland County Sheriffs Department at (717) 240-6390.
4. If the amount due from the buyer is not paid to the Cumberland County Sheriff, you
will remain the owner of the property as if the sale had 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 shaze of the money which was paid for your house. A
schedule of distribution of the money bid for your house will be filed by the Cumberland County
Sheriff on or about thirty (30) days from the date of Sheriffs Sale. This schedule will state who will
be receiving that money. The money will be paid out in accordance with this schedule unless
exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10)
days after the distribution sheet is posted.
7. You may also have other rights and defenses, or ways of getting your house back, if
you act immediately a8er the sale.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE
A LAWYER GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE
CAN PROVIDEYOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT
AFFORD TO HIRE A LAWYER. THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH
INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE
PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Court Administrator
4th Floor
Cumberland County Court House
1 Courthouse Squaze
Carlisle, PA 17013
(717)240-6200
WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA) ~ NO 04-1315 Civil
COUNTY OF CUMBERLAND) CP~[L ACTION -LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due GMAC MORTGAGE CORPORATION, Plaintiff (s)
From CONNIE L. PAYLOR,
(1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL
DESCRIPTION
(2) You are also directed to attach the property of the defendant(s) not levied upon in the possession
of
GARNISHEE(S) as follows:
and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof;
(3) If property of the defendant(s) not levied upon an subject to attachment is fmmd 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 $74,151.05 L.L
Interest FROM 5/3/04 THROUGH 9/7/05 - $4,760.07
Atty's Comm % Due Prothy $1.00
Atty Paid $898.62 Other Costs
Plaintiff Paid
Date: MAY 5, 2005
CURTIS R. LONG
Prothonota
(Seal) may:
Deputy
REQUESTING PARTY:
Name BARBARA A. FEIN, ESQUIRE
Address: 425 COMMERCE DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
Attorney for: PLAINTIFF
Telephone: 215-653-7450
Supreme CourtlD No. 53002
Real Estate Sale #43
On May 16, 2005 the Sheriff levied upon the
defendant's interest in the real property situated in
East Pennsboro Township, Cumberland County, PA
Known and numbered as 200 Fourth Street,
5ummerdale, more fully described on Exhibit "A"
filed with this writ and by this reference incorporated herein.
Date: May 16, 2005
Real Esta`~e Deputy
bL ~G cl S- .1~l~! SO~l
-t.;Y .. . _.. ~ .. I ~_ ~~
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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
Joseph A. Dennison, being duly sworn according to law, deposes and says:
That he is the Assistant Controller of The Patriot News Co., a corporation organized and existing under the
laws of [he Commonwealth of Pennsylvania, with its principal office and place of busnress at 812 to 818 Market
Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and. publisher of The 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 Patriot-News and The Sunday Patriot-News were established
March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since;
That the printed notice or publication which is securely attached hereto is exactly as printed and published
in their regular daily and/or Sunday/ Metro editions which appeared on the 19th and 26th day(s) of July and the 2nd
day(s) of August 2005. That neither he nor said Company is interested in the subject matter of said printed notice or
advertising, and that all of the allegations of this statement as to the time, place and character of publication are true;
and
That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this
statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed
and adopted severally by the stockholders and boazd 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 Misce neous Book "M",
Volume 14, Page 317.
P
PUBLICATION ...........
COPY Sworn to
SALE #43
~ `2 ~ $ 'L
before m is 16th day o~,tlugust ~ goy
L//~ DSO. & ~~i~
C
NO ARY PUBLIC ~''!,~~
My commission expires June 6, 2006 °%
CUMBERLAND COUNTY SHERIFFS OFFICE
CUMBERLAND COUNTY COURTHOUSF,
CARLISLE, PA. 17013
Statement of Advertising Costs
To THE PATRIOT-NEWS CO.
For publishing [he notice or publication attached
hereto on the above stated dates 287.81
REAL ESTATE SALE No. 49
Writ No. 20W-1915
CIWITerm
GMAC Mortgage Corp.
Va
Connie L. P.sylor
Akly: Barbara Fsln
DESCRIRTION
ALL TBOSB TWO CF,RTAB4 adjacent las m
parcels of kad, together_with the iminovements
dtemon erected, siN>d'e in East Pennsbao
Township, Cumberlmd Couay, PemsYlvania,
bowled a~desaihedasfollvwa to wit:
BEG]NNING at a point in the Northeast tamer
of tk roar-salion of Fourth Street and a sixaa
(16) feet wide atlry; dtmce NathwatAy along the
Faatem Bne of Fourth Shea, sixty (60) feet to the
Southern lice of La No. 93, Section "A", on the
hereineRer mentioced Plm of Lo[s; tlsence
F.aatwmdly along We Bourbon lice of La No. 93,
Settion "A" one hundred sixty (160) fax to We
Weston line of a aixtan (1~ feet wide alley;
thence Soulhwardly along ~e Weartem line of said
sixtea (16) fen wide alley, sixty (60) feet to the
Nalhweal comer ~ the iotersatiw of said
shaven (16) feet wido alleywith 16e sorteen (16)
fat wide alley fnstmentiomd; thence. WatwarAy
along the Nathan line of the aixtan (16) fat
wide alley feat mentieaed, oce hundred silly
(160) fatto apoim, We Mace of BEGINNAIG.
BEMG Las Nos 91 and 92, Satiw "A'm the
P{an of Lots known u Summerdale, Pennsyl-
vania, said Plan being recdrded m the Oda for
dte RecoNing of Deeds in and for 6snrt6edand
Caney, ID Plm Baok L Page 44 (Revised Plan,
Book 2, Page t09).
}IAVAIG. tlu[eon erected a oce .sorry frame
dwelling wtm-baed z00 Fwrth straw
Summadale, Pewaylvatda.
TAX PARCEL Itl912-2994052.
PROOF OF PUBLICATION OF NOTICE
IN CUMBERLAND LAW JOURNAL
(Under Act No. 587, approved May 16, 1929), P. L.1784
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
ss.
Lisa Marie Coyue, Esquire, Editor of the Cumberland Law Journal, of the County and
State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law
Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid,
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 regularly
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 Law
Journal on the following dates,
July 15, 22, 29, 2005
Affiant further deposes that he is authorized to verify this statement by the Cumberland
Law Journal, a legal periodical of general circulation, and that he is not interested in the subject
matter of the aforesaid notice or advertisement, and that all allegations in the foregoing
statements as to time, place and character of publication are true.
Coyne,
SWORN TO AND SUBSCRIBED before me this
29 day of July. 2005
NOl'AFiIAC SEAL
LOTS E. SNYOER, Notary Public
Carlisle 6oro, Cumberland County
My Commission Expires March ti, 2t><19
REAL, ESTATE SALE NO. 4S
Writ No. 2004-1315 Civil
GMAC Mortgage Corporation
V s.
Connie L. Paylor
Auy.: Barbara Fein
DESCRIPTION
ALL THOSE TWO CERTAIN ad-
jacent lots or parcels of land, to-
gether with the improvements
thereon erected, situate in East
Pennsboro Township, Cumberland
County, Pennsylvania, bounded and
described as follows, to wit:
BEGTNNING at a point in the
Northeast comer of the intersection
of Fourth Street and a sixteen (16j
feet wide alley; thence Northwardly
along the Eastern line of Fourth
Street, sixty (60) feet to the South-
ern line of Lot No. 93, Section "A',
on the hereinafter mentioned Plan
of lots; thence Eastwazdly along the
Sauthem line aC Lof No. 93, Section
"A", one hundred sixty (160) feet to
the Western line of a sixteen {161
feet wide alley; thence Southwazdly
along the Western line of said six-
teen p6) feet wide alley, sixty (60)
feet to the Northwest corner of the
intersection of said sixteen Q61 feet
wide alley with the sixteen (16) feel
wide alley first mentioned; thence
Westwardly along the Northern line
of the sia~teen Q6) feet wide alley
first mentioned, one hundred sixty
(160) feet to a point, the place of
beginning.
BEING Loks Nos. 91 and 92,
Section "A' in the Plan of Lots known
as Summerdale, Pennsylvania, said
Plan being recorded in the Offlee
for the Recording of Deeds in and
for Cumberland County, in Plan
Book 1, Page 44 (Revised Plan,
Book 2, Page 109j.
HAVING thereon erected aone-
story frame dwelling Numbered 20D
Fourth Street, Summerdale, Penn-
sylvania.
Tax Parcel #0912-2994052.
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
Barbara A. Fein, Esquire / I.D. No. 53002
Kristen D Little Esquire / I.D. No. 79992
File No. 03-10122
Jacqueline F. McNally, Esq. / I.D. No. 201332
Suite 100, 425 Commerce Drive
Fort Washington, PA 19034
(215) 653-7450
Attorney for Plaintiff
GMAC MORTGAGE CORPORATION,
Plaintiff,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
v.
CONNIE L. PAYLOR,
Defendant.
NO.04-1315 Civil Term
PRAECIPE TO WITHDRAW /VACATE JUDGMENT
AND TO SETTLE, DISCONTINUE, AND END
TO THE PROTHONOTARY:
Kindly withdraw /vacate the judgment entered in the above captioned mortgage foreclosure
action. Then please mark the matter settled, discontinued and ended without prejudice to Plaintiff.
Apri120, 2007
THE LAW OFFICES OF BARBARA A. FEIN, P.C.
B Y:
Barbara A. Fein, Esquire
Attorney for Plaintiff
Attorney I.D. No. 53002
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