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Home My WebLink About04-1386McCABE, WEISBERG AND CONWAY, P.C. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 123 South Broad Street, Suite 2080 Philadelphia, Pennsylvania 19109 (215) 790-1010 Beneficial Consumer Discount Company d/b/a Beneficial Mortgage Company of Pennsylvania P.O. Box 8621 Elmhurst, IL 60126 Attorney for Plaintiff Cumberland County Court of Common Pleas Linda R. Bonnet a/k/a Linda Bouner 1023 York Road Dillsburg, PA 17019 and Clyde L. Bertram aJk/a Clyde N. Bertram 1023 York Road Dillsburg, PA 17019 Number CIVIL ACTION/MORTGAGE FORECLOSURE NOTICE You h ave been sued in court. If you wish to defend against the claims set ~orth in the following pages, you must take actio~within twenty(20) days after this complaint and notice are served, by entering a written appearance personally orby attorney an d filing i~rriting wlththe court your defenses or objections to the claims set forth against you. You are warned tha~ if you fail to do so the case may proceed wlthoutyouand a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requeste~bythe plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA, 17013 800-990-9108 AVISO Le hah demandado a usted en la corte. Si usted quiere defenderse de estas demandas ex-puestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la dq~Tnda y la notificacion. Hace falta asentar una ccmparencia escrita o en persona o con un abogado y entregar a la corte sm forma escrita sus defe~sas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara modidas y puede contlnuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta d~anda. Usted puede Derder dinero o sus propiedades u otros derechos importantes para usted. USTED LE DEBE TOMAR ESTE PAPEL A SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE A UN ABOGADO, VA A O TELEFONEA LA OFICINA EXPUSO ABAJO. ESTA OFICINA LO PUEDE PROPORCIONAR CON INFORMATION ACERCA DE EMPLEAR A LIN ABOGADO. SI USTED NO PUEDE PROPORCIONAR PARA EMPLEARUN ABOGADO, ESTA OFICINA PUEDE SER CAPAZ DE PROPORCIONARLO CON INFORMACION ACERCA DE LAS AGENCIAS QUE PUEDEN OFILECER LOS SERVICIOS LEGALES A PERSONAS ELEGIBLES EN UN HONORARIO REDUCIDO NI NINGUN HONORARIO. CBraberland County Bar Association 2 Liberty Avenue Carlisle, PA, 17013 800-990-9108 McCABE, WEISBERG AND CONWAY, P.C. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 123 South Broad Street, Suite 2080 Philadelphia, Pennsylvania 19109 (215) 790-1010 Beneficial Consumer Discount Company d/b/a Beneficial Mortgage Company of Pennsylvania P.O. Box 8621 Elmhurst, IL 60126 Linda R. Bonner odk/a Linda Bonner 1023 York Road Dillsburg, PA 17019 and Clyde L. Bertram adk/a Clyde N. Bertram 1023 York Road Dillsburg, PA 17019 Attorney for Plaintiff Cumberland County Court of Common Pleas CIVIL ACTION/MORTGAGE FORECLOSURE 1. Plaintiff is Beneficial Consumer Discount Company d/b/a Beneficial Mortgage Company of Pennsylvania, a corporation duly organized under the laws of Pennsylvania and doing business at the above captioned address. 2. The Defendant is Linda R. Bonner adk/a Linda Bonner, who is one of the mortgagors and real owners of the mortgaged property hereinafter described, and her last-known address is 1023 York Road, Dillsburg, PA 17019. 3. The Defendant is Clyde L. Bertram a/k/a Clyde N. Bertram, who is one of the mortgagors and real owners of the mortgaged property hereinafter described, and his last-known address is 1023 York Road, Dillsburg, PA 17019. 4. On 06/26/2001, mortgagors made, executed and delivered a mortgage upon the premises hereinafter described to Plaintiff which mortgage is recorded in the Office of the Recorder of Cumberland County in Mortgage Book 1725, Page 1092. 5. The premises subject to said mortgage is described in the mortgage attached as Exhibit "A" and is known as 1023 York Road, Dillsburg, PA 17019. 6. The mortgage is in default because monthly payments of principal and interest upon said mortgage due 05/26/2002 and each month thereafter are due and unpaid, and by the terms of said mortgage, upon default in such payments for a period of one month, the entire principal balance and all interest due thereon are collectible forthwith. 7. The following amounts are due on the mortgage: Principal Balance Interest through 03/29/2004 (Plus $ 47.34 per diem thereafter) Attorney's Fee Cost of Suit Appraisal Fee Title Search $ 152,910.76 $ 43,894.18 $ 7,645.54 $ 225.00 $ 125.00 $ 200.00 GRAND TOTAL $ 205,000.48 8. The attorney's fees set forth above are in conformity with the mortgage documents and Pennsylvania Law and will be collected in the event ora third party purchaser at Sherifl?s Sale. If the mortgage is reinstated prior to the Sale, reasonable attorney's fees will be charged based on work actually performed. 9. Notice of Intention to Foreclose as required by Act 6 of 1974 (41 P.S. §403) and notice required by the Emergency Mortgage Assistance Act of 1983 as amended under 12 PA Code Chapter 13, et seq., commonly known as the Combined Notice of Delinquency has been sent to Defendants by regular mail with certificate of mailing. WHEREFORE, Plaintiff demands Judgment against the Defendants in the sum of $205,000.48, together with interest at the rate of $47.34 per diem and other costs and charges collectible under the mortgage and for the foreclosure and sale of the mortgaged property. TERRENCE ~. M'cCABE, ESQUIRE Attorney for Plaintiff VERIFICATION she and that she is authorized to make this verification and that The undersigned, Tiffanie Toney-Davis, hereby certifies that is the Foreclosure Specialist of the Plaintiff in the within the foregoing facts are true and correct to the best of her knowledge, information and belief and further states that false statements herein are made subject to the penalties of 18 PA.C.S. §4904 relating to unsworn falsification to authorities. Tif fanR~ Toney-Dav~ 2:30 PM FR HOUSEHOLD 617 7744 TO 912157901274 P.03 I'~. - IF ~X ~ CHECKED, TH~ ~ORTGAGE · ~; ~S MORTGAGB ts m~ ~s ~y ~ ' of ~ ~01 . ~tw~n ~e M~. CL~ N. B~ ~ ~E L~ ~ LI~A ~R, ~ SI~; J/T/R/S '~w~TM) ~d Mo~ ~lCl~ ~R Ol~ ~ D/8/A ~T~ ~ ~.~LV~IA ~ni~ a~ ~ng ~ ~ la~ 1~.~ ~T ~T,- ELI~ETfl[~, PA ~ ~") ........... . _ ~e following ~ta~aph p~ ~ a ch~k~ box W~S, ~w~ is i~b~ ~ ~ ~ or ~ ~ ~ if that ~m :0~ ~ m~h t~f ~ may ~ adv~ pu~nt ~d ~o~' ~d ~nowala ~ {h~n "No~"}, pro~dlng for · ~o~hly in~lm~, a~ ig~ at ~ into ~d a~:m~ in ~ in~ mg if ~t '~z~ is v~abl~ and ~vi~ f~ a~ ~s ~m ~d ~ the following ~fi~ ~y I~ in ~ Coun~ of IN A DEED DASD 0~/28/2001 ~S OF T~ ~Y ~ STA~ S~ ~R~ ~O~, IN DEED VOL~ 241 OR. PAlPaL ID NO.: 22-12-0350-019 'lIIIiIIlliIlIIlIIIIIIIlIllini.. 2:38 PM FR HOUSEHOLD $30 6]7 7744 TO 912157901~74 P.04 -2- 'TO~ with all the improvvm~nts ao~ or h~hc~ ~1 on the property, and all ~. Funds for Taxes and Ipsuranee. Sob~e~ 1o applicable law or waiv~ by ~d~.'~w~ s~l (i~l~ co~minium ~d plan~ un~ ~el0~t ~. if any) which may a~n ~o~y ~m~m ~ F~ ~ ~ ~ ~e c~t that ~w~ m~k~ ~h ~ym~m to the ~ld~ ~ a ~ m~ ~ ~ of ~ {f ~h hol~ is an ]~tu~o~l l~der. of ~hleh ~ i~ or ~ by a F~ or ~ a~ey (inel~i~ ~ if ~nd~ ~ s~h an ~u~ ~, ~ may not ch~ for ~ ~l~ng and a~yi~ ~e F~. a~ly~ng ~d ~t or a~ ~i~ble law ~i~ ~ ~ ma~ ~h a cha~e. ~w~ and ~ mn~ a~ in writing at ~ time o[ ~u~on ~ t~s ~r~ ~t ~z~t on ~e Pun~ ~0 ~ ~id to ~r, and ~1~ ~ ~ ~fi~ ~ the ~ ~owi~ ~ ~d do~m m the Fun~ and ~e p~ for which eammen~, rlghls, appurtenances and rents, nil of-which shall bo .d~mnd to be and remain a I~ of thc leasehold estate if thls Mo. rtgsge m on a leazehold) are heremalter retm~t to ss the roperty. Borrowm' covenants that Borrower is lawfully seised of th0 e~tate her*by canveye~cl and has the right to mortgage, grant and conwy the Property, and that the property is .unencumbered, except for encumbrance~ of record. Borrow.er covenants that Borrower w~rran~s ~nd will delend generally ~he tkle tolt~ Property ,~inst all claims and demands, subject to eocu.mbrances 0f record. UNIFORM COVENANTS..Borrower lad Lender covenmT nad ng~e as follow~ I. Payment of Principal and Interest at Variable Rates. This mortgage ~cures all l~yme0~s of principal ~ interest due on a variable r~te loan. Thc conzrn~ ra~e of intet~t and payment amounts may be subject to change as provided in t.hc Note. Bor~wem stud! promptly pay when due ali amoun~ FEB· ~3 8003 2:~0 PM FR HOUSEHOLD GGO 817 7744 TO 812157901~74 Appl~slioa ~ ~ym*nts. ~t for 1~ m~e p~n~ ~ th~ P~ylv~a ~m~ ~o~ ~d ~ ~ Trot; .~r~; L~ ~w~ s~l ~or~ all ~ which ~y at~n a ~odty o~ ~s ~, ~d' l~ld ~ym~ ~ ~o~d ~ . - ..- . _ l~an~ ~W~ ~1 ~ ~e im~ now e~ing or ~f~ ~ ~ ~ a~ I~ by ~, ~ in~l~ wi~n the ~ '~ ~v~.' ~d ~h ~vi~ t~% s~h a~o~ shgl ~t ~ u~bly wl~h~ ~1 ~ ~li~ a~ ~.r~ ~.?als thtn'eof shall be in a form ao~-insbb lo Lende~ and shall i~l~ a ~rd' mo~ ~ in fiv~ of ~ iu a f~m ~blo~ ~. ~ ~1 ~ ~ n~1 to hold ~ ~li~ and ~w~ ~, ~l ~ ~e ~s of ~y mo~ ~ ~ ~t or o~ ~g~ ~m~t with a ti~ wMch '~o~ o~ tMs Mo~e. . ~ ~n ~e ~ or ~. ~w~r ~ ~w ~m~ no, i~ ~ m~ i~ ~ and ~d~. ~a~ p~f of I~ if ~t m~ ~om~y by.~ow~.. ~ ~a~n or--ir ~e P~yor m ~o ~s~ by~s~. [ ~6, ~va~ and ~ial~ ~ Pricey; ~olds; ~dominiums; ~d ~.~ ~1 ~orm aU ot ~'a o~h~ ~ the ~l~on ~ ~v~ ~ or ' ~n~ m ~s ~l~ or If ~y a~on er ~ni {s comm~wMch mamally ~s i~ m ~ ~. ~en ~, ? ~'s op~on, u~ n~ m ~w~, may make s~h {~a~ ~b~ ~h ~ms. {ncl~mg r~nab]~ a~e~' f~, and ~ s~h ~ti~ ~ i~Any amoun~ d~bu~ by ~ po~t to ~is ~a~ph 7, wi~ in~ lh~n, al ~w~ r~ ~ymenl ~f. No~ ~n~n~ in t~a ~g~ph 7 s~l ~ ~ m in~ n~ or ~e any ~ h~, 'll glnlgflglll[flgllllllllllll :,, P.05 2:3! PM FR HOUSEHOLD 830 $17 7744 TO 8. In;p~'tion. L~d~r may ~ or ~ to ~ m~ ~bl8 ~t~ ~ and i~ons of ~ ~on, ~ h~by ~ ~d ~1 ~ ~d ~ ~, ~b~ m th= ~ms of any 1~. ~ow~ Not ~l~d; For~ By ~n~ N~ a Waive, ~ of t~ ~me ~ym~ ~ m~fi~ ~ ~iza6~ ~ ~ sums ~u~ by ~ Mon~ ~t~ by ~n~ to ~ in in~ ~ ~w~ ~1 no~ ~ to ml~, in shy ~, the lla~llty of t~ ~ ~ ~w~'s ~ in in~. ~ s~l not ~ ~uir~ W c~m~ce ...... ~ oth~i~ 11. Su~s a~ Assi~s Bound; lo~t and Sepal Liability; Co~i[ners. ~ ~n~ a~ ~a~ h~n ~Uln~ ~1 ~nd, and the ~gh~ h~d~ ~alt in~e to, ~e r~vc ~ ~ ~ ~ an~ ~w~, ~b~ .to ~ ~ovi~ ~ ~ 1~ he~f. Ali ~v~n~ and ~ of ~ ~I ~ ~in~ and ~v~l, Any ~rm~ w~ ~ ~s Mo~. bu~ d~ ex~ ~ No2, (a) ~ ~i~ ~is Mon~ ~y ~ m~, ~ and ~vcy ~hal in~ in ~ ~y ~ ~ ~r ~e ~ms ~ ~is M~, (b) is not ~lly liable on ~he No~ m~fy, for~v, ~ m~nnyo~ a~omm~ ~ ~ ~ ~s of t~s Motor IM Note i~ Noti~. ~ for ~ ~ ~ ~ a~i~elaw ~ ~ ~ in ~th~ m~, (a ~fi~ mail ~ ~ ~ st ~ P~y ~ or si s~h O~ ndd~ ~ ~w~ may ~ ~ ~ h~g~ Any nog~ ~ [or in ~is Mo~e ~1 ~ ~ ~ have ~ ~ven 13. Gov~i~ Law; Sev~ability. ~ rote a~d 1~1 laws a~icable m l~s Mong~ s~l ~ the laws of ~ j~ in w~ch ~he P~fly is I~. ~ [~e~ng ~ ~l not limit ~l~'law, ~K.c~i~h~H not a~ o~r ~vlao~ of ~s ~o~t he N~ w~ch ~ ~ g~ ~ wi~ ~c ~i~ ~ ~d ~ thia end the ~ of this f~" i~l~ ~1 ~ms m ~e~t not ~ ~ ap~i~ble I~w ~ limi~ ~in. 14. B~wer's ~py. B~w~ ~11 ~ f~ a ~ c~y of lhc N~ ~ of this M~ at t~ ~ me of cx~ or d~ ~g~ h~. 15. ~habililatlo~ ~n Ag~ment ~ s~ll fulfill all of ~w~s o~i~ ~d~ ~me mha~ti~fi~, im~t, r~ir, ~ o~er 1~ a~m~t which ~w~ ~ ;n~ ~. ~, ~ ~s o~on, may ~ ~ m ~'~d ~llver m ~, in a form ~ble ~ ~, ~ ~m~z o~ ~ right, claims ~ de[~ w~ch ~wer may have ~ who ~y ~r, ~s or ~ in ~nn~on wizh im~v~ ma~ ~ ~e P~. IlIlII!lIlIIIlIlIIIIgIIIIIiI P .OG 2:31 PM FR HOUSEHOLD 7744 TO 91~157S01~74 . :~ ~]16..Tr~x~fer of thc .Property. If Borrower sells or transfem all or any ~ of the ~' i~r~t there/i~, e~cludin~ [a) the crce~on of a llen or cn¢ombreaee su~..~nete to this Mor~eg~ · ~) ~ tree. er by devi~c, deseent, or by operstion of law upon the death of · joint tenenL (c) .o~ ~ Ill)Id tnla,'fe~t of thr~e year* or I~ no~ son,Lining 8n ot~o~ to purchauo, (d).zhe cr~..~.on . [~ ~e ~lh o[ a ~ew~. (f) a ~cr w~ ~ ~ or cNld~n of th~ ~W~ ~ome ~ ~w~ is m~ ~m~m · ~ici~ ~ wN~ d~ not relate ~ ~ ~ of fi~m of ~ ~ ~ e~l~ ~e t~ ~ d a ~w lm W~ ~ng=m~m z~ ~. ~w~ will . . ~ ~ al. ~t I~ ~n 30 ~ from ~e ~e the no~ce is m~l~ ~ ~tiv~ wi~in whi~ ~wer ms {~y ~ ~me ~le~ d~ If ~rmw~ f~ls to ~y ~h m ~or ~ ~e ~ ~ d, ~ rosy. ~o~ fmh~ no~ or ~ on ~. invoke my ~i~ ~it~ by ~ ~ 17 ~f. . :'5 17. l~lenzioa; ~iem Ex~pI as provi~ in ~a~ph 16. herbal, u~ B~row~'s ~ ah of ~y ~ve~nl or ag~mcnt of Bo~ow~ in th~ Mo~ge,'~cluding the ~ when due any sums ~ur~ by th~ Mo~gagc. ~n~r pfi~ M 8~i~ ~11 give ~o{ ~ ~ ~row~ ~ ~ovid~ in ~ph 12 hereof s~irying; (1) thc ~ch; {2} thc action ~ i~ to cu~ s~ch ~e~ (~) a dale, not le~ ~an 30 days from the date the n~ticc is ~lcd M B0~ow~, by wh~ su~ ~ mu~ ~ cor~; and (4) ~az failu~ to c~c s~h ~h on ~ ~l~ ~ ~tc *p~ili~ in Ibc noti~ ~y r~uR in a~l~ation of Ihs su~ ~ by this M~g~ for~losu~ by ju~ehl pr~g, and rile ~ the P~y. ~ shall fu~ i~orm B~w~ ~ ~ ri~z to ~ins~te afar 8~le~ti~ and the ri~t . ~M ~t in ~e to~l~u~ priding th8 nonexist~ or a d~ault ~ any other ~ow~ lo a~le~ti~ and f~cl~urz. If the b~ch ~ flat ~r~ OB Or ~foro the date · ~fied in ~e nofi~, L~, il Lcn~'s opt[o~ may ~bee all of the sums s~ur~d by ~ lo ~.immedhtely d~'~fld'~yab~'~ith~ff6~e~ demand ind ~ fb}~lo~ 'M'~ by judi~l pt~ing. ~fld~ shall ~ entitled to ~1~ in su~ pro~ding all ~ ~ f~lm~ inolud~g, but not limited to. ~Mflable attorneys' fe~ and ~l~y evident, a~ ~d title ~. ':~ .~18. Bor~wer's ~t ~ Rc~nstazc. N~il~ng ~n~'s ~fion o[ the sums by ~ m ~ ams M~ ~nfin~ at ~y time ~or m ~ of a ~dgm~z · ~ i~: {~} ~w~ ~ ~ all ~ which w~uld ~ Ibm d~ un~ this M~gc and ~{~om Md no e~on ~c~; (b) ~w~ ~ all ~h~ o~ en~ o~ ~v~m or k. IIIlIIIIllllllilIIIIlIlIlI P .O7 FEB- 2:31 PM FR HOUSEHOLD 630 617 7744 TO 91~157901274 P,08 -6- agr~mer~m of Borrow~ c0~tai~d in ~s M~; (c) B~w~ ~ ~1 ~blc ~mi~ m, r~ble at~' ~ ~ (d) ~w~ ~ ~h ~ion ~ ~ ~y ~bly ~re ~ ~m ~t ~ li~ o~ ~ M~, ~'s in~t in ~ P~y ~ Bormw~'s obli~ ~ ~y ~ s~s ~ b~ ~ Mon~ ~l ~tin~ ~m~ir~ U~a ~h ~ym~t ~ ~ ~ ~w~, th~ ~ ~ ~e o~i~ ~ ~by ~1 ~n in rutl f~ and 19. Assignment of Re,ts;, Appointment of Re~ivor. As additional ~:urity hereunder, Borrower hereby assig~ to l~nder the rents o~ the Property, provided that BorFow~ shall, prior to ~_x~leratio~ trader paragraph 17 barco[, in abandonment of the Propar~y, have thc right ~o collect and rea? such rents as~y become dpe and payable. U~:m~'?a~l~-at; ~"~-,d~'~l~h--7 ' her eof or'abandonment' enlilled to have a re~v~ ap~olntsd by a cour~ ~p. enter upo;1, ~ake possession of a~i manage the Property and to oolle~ the ranis of the Property including th0s~ pa~ due. All rents collar-ted by the r~eeiver ~d~tll 'oe appli~xl first to payment of the oe~s of management of the l%opert¥ and collection of ren~. i~clucllng, bu~ not'limited ~, reoeiver's fees, premiums on receiver's bonds and reasonable at=.~s' fees. nnd ~ io the m-,qns secured b)' this ld~ort~M~e. The receiver shall be liable to accoun~ only for thee ren~ a~islly re~ived. 20. R~leas~. Upon payroll of aH sums ~ed by this Mortgage, ~ shall releas~ this Mot'~age without charge lo ]8orro~er. Borrow~ sh~ll l~Y all costs of re~rdm~ioo, ii~ any. 21, Waiver of Homestead. Borrower hereby waive~ all right of homestead exemption in the Property ~ ' 2'1 Intreat Rate AIter ]u4gment. l~n'row~ agrees the iflterm~ rote psyable after a iudgrncn~ is end,reel on th~ Not~ or'in an ac!t.'on of mortgage .for~losur. e ~hall be thc rate 8tat~l in the Note. 03-01-0~I ~ PAI~OI~AB IlIlIl!lIIIIll!lllIlIIlIIIIII. . xh 14~941 A419ITG9i)O~AO 0 l~.~60x)tgl~14ER * O~IGINAL FEB 13 2883 PM FR HOUSEHOLD 638 $17 7744 TO 91215'7981274 P.09 RI~QUI$$T FOR NOTICE OF DEFAULT AND FORECLOSURE UNDER SUPERIOR MORTGAGE5 OR DEED5 OF TRUST ,~er and Lender request the holder of an)' mort~, ~ of trust or other ~ncumb~noe with a I~ ~hich has priority ov~ this Mortg~e w give Notioe to Lender, at Lender's sddr~---~ sci forth on ~bne of ~ Mortgage. of any defa~h under the sut~rior ~e. cumbranCe and of any sal~ or othe~ ~ !! ~/"LINDA BONNER -Borrower ::i' ?~1~t1634 SOU'iH NARK~T STI~ET I~L'fZABETHTOI~N PA 170211 ~ ~h~I o~ th. L~der, By: Jmes A. ROVZ~O Tia~ ~C~ · GO~MONWEALTH OF PENNSYLVANIA, LM, ICABTEP. Count~ ~: · .i~ i.~Al~S i ROVlTO a Notary Public in and for ~aid ~onty and state, do hereby , ~ ~liat CLYDE N. BIiKTRAtt AKA CLYDE L. BI$RTRAM AND LI, NDA BONNER, BOTH $INGLE~ known to me to be the same per.on(s) whose name(s) ~ sul~,cr~b~l to ~ inStrumenl, ap~ before me ~Ms clay in per. n, and ncknow'-~i~'~t T he ¥ t ~ d.divered ~he s~d instrumen~ as THEIR free volun~7 a~, f~ ~ ther~n se~ forth, se&l, this 26~ii day of JUNE ,20 Ol be recorded PA ~~ ~,~ ~ ~'a~ otary Pubhc Thin instmrazn~ was prel~red by: COlISUl~R DISCOUNT COI~ANY D/B/A BIi2~FTCIAL IiORTOAGE CO OF P~NNSYLVANIA (Nar~) 1634 S It~RKt~T ST IL~IZABBTItTOI~t PA 17022 {A&lre~l (Spsce Be~w Th~ Line R~v~ ~ ~t and R~d~) Re~ To: ~mh~, ~ ~I~ ,I SHERIFF'S RETURN - CASE NO: 2004-01386 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND BENEFICIAL CONSUMER DISCOUNT VS BONNER LINDA R ET AL REGULAR HAROLD WEARY , Cumberland County, Pennsylvania, Sheriff or Deputy Sheriff of who being duly sworn according to law, was served upon 5th day of April the by handing to together with says, the within COMPLAINT - MORT FORE BONNER LINDA R AKA LINDA BONNER DEFENDANT , at 2012:00 HOURS, on the at 1023 YORK ROAD DILLSBURG, PA 17019 LINDA BONNER a true and attested copy of COMPLAINT - MORT FORE 2004 and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 6.21 Affidavit .00 Surcharge 10.00 .00 34.21 Sworn and Subscribed to before me this /~ ~- day of · P~othonotary ~ So Answers: R. Thomas Kline 04/06/2004 MCCABE WEISBERG CONWAY eputy S~eriff SHERIFF'S CASE NO: 2004-01386 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND BENEFICIAL CONSUMER DISCOUNT VS BONNER LINDA R ET AL RETURN - REGULAR HAROLD WEARY , Cumberland County, Pennsylvania, says, the within COMPLAINT - MORT FORE BERTRAM CLYDE L AKA CLYDE N BERTRAM DEFEND~2qT , at 2012:00 HOURS, on the at 1023 YORK ROAD DILLSBURG, PA 17019 LINDA BONNER, ADULT IN CHARGE a true and attested copy of COMPLAINT - 5th day of April Sheriff or Deputy Sheriff of who being duly sworn according to law, was served upon the 2004 by handing to MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 6 Service Affidavit Surcharge 10 16 O0 O0 O0 O0 O0 O0 Sworn and Subscribed to before me this /2 TM day of ~}~o A.D. w ~ Prothonotary' So Answers: R. Thomas Kline 04/06/2004 MCCABE WEISBERG CONWAY By: IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Beneficial Consumer Discount Company d/b/a Beneficial Mortgage Company of Pennsylvania Plaintiff Linda R. Bonner a/k/a Linda Bonner Clyde L. Bertram a/k/a Clyde N. Bertram, Defendants : CIVIL ACTION - LAW : : NO· 04-1386 Civil Term .. DEFENDANT'S PRELIMINARY OBJECTIONS Defendants, Clyde L. Bertram and Linda R. Bonnelr, by their undersigned attorney, preliminarily object to Plaintiff's Complaint, as follows: 1. Plaintiff lender commenced this mortgage foreclosure action against defendants by filing a complaint on April 1, 2004. 2. The mortgage sought to be foreclosed is a lien on real property containing a single-family residence, located at 1023 York IP, oad, Monroe Township, Cumberland County, Pennsylvania. 3. Defendant Linda R. Bonner is a legal title owner of the property located at 1023 York Road, Monroe Township, Cumberland County, Pennsylvania. 4. On March 9, 2004, the defendant, Linda R. Bonner, filed a voluntary petition pursuant to Chapter 7 of the Bankruptcy' Code in the United States Bankruptcy Court for the Middle District of Pennsylvania. 5. The aforesaid Chapter 7 proceeding was assigned case number 04-1382 to Judge Mary D. France. 6. Pursuant to 11 U.S.C. § 362(a), an automatic stay takes effect the instant a case is filed, placing the debtor, Linda R. Bonner, and her property under the protection of the bankruptcy court. 7. The purpose of the stay is to protect debtor, Lin, da R. Bonner, and her property. 8. The stay bars "the commencement or continuation, including the issuance or employment of process, of a judioial, administrative, or other action or proceeding against the debtor that was or could have been commenced before the commencement of the case ... or to recover a claim against the debtor that arose before the commencement of the case ..... "11 U.S.C. § 362(a)(1). 9. Plaintiff's commencement of the action in mortgage foreclosure after Defendant's commencement of her Chapter 7 proceeding, violates the automatic stay and may be actionable pursuant to 11. U.S.C. § 362(h) or as contempt of court and punished accordingly. 10. Plaintiff was required to seek relief from the stay before filing the within action against the debtor, Linda R. Bonner, to foreclose on debtor's property. 11. Plaintiff's action in mortgage foreclosure is void .and should be dismissed. 12. Only the bankruptcy court has the power to grant relief from the automatic stay. WHEREFORE, defendants respectfully requests that plaintiffs' action be declared void and the complaint dismissed. Respectfully submitted BRATIC & PORTKO Dated: ~ ~/~/~c/~ Stephen Portko, Esquire Attorney I.D. No. 34538 101 U.S. Route 15 South Dillsburg, PA 17019 (717) 432-9706 Attorneys for Defendants 2 USBC PAM - LIVE - V2.3 - NoticeOfFiling Page 1 of 2 United States Bankruptcy Court Middle District of Pennsylvania Notice of Bankruptcy Case Filing A bankruptcy case concerning the debtor(s) listed below was filed under Chapter 7 of the United States Bankruptcy Code, entered on 03/09/2004 at 3:33 PM and filed on 03/09/2004 at 3:23 PM. Linda Regina Bonner 1023 York Road Dillsburg, PA 17019 SSN: xxx-xx-8236 dba Linda R Bonner Cleaning Service The case was filed by the debtor's attorney: Dorothy L Mort 125 STATE STREET HARRISBURG, PA 17101 717 232-6650 The case was assigned case number 04-1382 to Judge Mary D France. The filing of a bankruptcy case automatically stays certain actions against the debtor and the debtor's property. If you attempt to collect a debt or take other action in violation of the Bankruptcy Code, you may be penalized. If you would like to view the bankruptcy petition and other documents filed by the debtor, they are available at our Internet home page http://www.pamb.uscourts.gov/or at the Clerk's Office, U.S. Bankruptcy Court, PO Box 908, Harrisburg, PA 17108. You may be a creditor of the debtor. If so, yOu will receive an additional notice from the court setting forth important deadlines. Arlene Byers Clerk, U.S. Bankruptcy Court PACER Service Center Transaction Receipt 03/10/2004 09:00:5 ! PACER Login:[Idfl)059 II'oien, coae: I [Description: IINotice of Filing[ICase Number: II 1:04.bk_01382.MDF httns://ecf, namb.useourts.~ov/c~i-bin/NoticeOfFilin~.~l? 131436 HARRISBURG DIVISION Bonnet, Linda Regina dba Unda R Bonner Cleaning Service UN;; ,'u STATES BANKRUPTCY COURT MIDDLE DISTRICT OF PENNSYLVANIA d, Voluntary Petition Name of Joint Debtor (Spouse) ( nd~/idua enter Last First Middle) SoCial Security/Tax Ideflt~.~u. NO. (if mom than one. state ail): $free~ Address of Debtor (No. aeb Street. City. State and Zip Code): 1023 York Road Dillsburg, PA 17019 Social Security~q-ax Iden~cation No. (if more than one state a Ik Street Address of Joint Debtor {No. and $~reet. City. State and Zip Code): York 1023 York Road Dillsburg, PA 17019 Mailing Address of Joint Debtor (if different from street address): Infor,,,.[;on Ret~.~r.;ing the Debtor (Check the Applicable Boxes) Venue (Check any applicable box) [] Debtor has been domJcltad or has had a residence, principal place of business, or principal assets in this District for 180 days immediately preceding the date of this petition or for a longer part of such 180 days than in any other District. [] There is a bankruptcy case concerning debtor's affiliate, general partner, or partnership !>ending in this District. Type of D~b~,~, (Check all boxes that apply) [] thdividual(s) [] Railroad [] Corporation [] Stockbroker [] Parthership [] Commodity Broker [] Other [] Cleadng Bank Nature of Debts (Check one box) [] Consumer/Non-Business [] Business ChalXer 11 Small Buehtees (Check all boxes that apply) [] Debtor is a small business es defined by 11 U.S.C. Sec. 101. [] Debtor is & elects to be considered a small business under 11 U.S.C. § 1121(e) (Optional) Stmi'=tic=-~JAdmin;=;.,.~.;,/e ;.;,~ ,,.,1,1;u,', (F-.=[;,i~[us only) Chapter or Section of Bankruptcy Code Under Which the Petition is Filed (Check one box) [] Chapter 7 [] Chapter 11 [] Chapter 13 [] Chapter 9 [] Chapter 12 [] Section 304 - Case ancillary to foreign proceeding Filing Fee (Check one box) [] Full Filing Fee attached [] Filing Fee to be paid in installments (Applicable to individuals only) Must atta¢~ signed application for the court's consideration certifying Ihat the debtor is unable to pay fee except in installments. Rule 1006(b). See Official Form 3. [] Debtor estimates that funds will bo available for dis~ibution to unsecured creditors. [] Debtor estimates that, after any exempt property is excluded and administrative expenses are paid, there will be no funds available for disthbution to unsecured creditom. THIS SPACE IS FOR COURT USS ONLY Est;~.,~[=d Number of Creditors 1-15 t6-49 50-99 100-199 200-999 1000~)ver [] [] [] [] [] [] Es~mated Asseta $0 to $50,001 to $100,001 to $500,001 to 1,000,001 to $10,000,001 to $50,000,001 t~ More tiqan $50,000 $100,000 $500.000 $1 million $10 mit~idn $50 million $100 million $100 million [] [] [] [] [] [] [] [] '~s~matad Debts 1,000.001 ta $10,000.001 to $50.000,001 to Morethan $10 mlllinn $50 million $100 million $100 million $0 to $50.001 to $100.001 to $500.001 to $50.000 $100.000 $500.0C0 $1 mil;ion [] [] [] [] [] [] [] Corn lluter software provided by LegalPRO Sy.~;,,~, Inc., San Antonio Texas (210) 561-5300 Copyright 1996-2003 (Build 6.1.0.1116, ID 412134500~ ~9101) FORM B1, Page ,,¥ Petition (page 2) Linda Regina Bonner ,age must be completed and filed in every case) rName of Debtor(s): Prior Bankruptcy Case(s) Filed Within Last 6 Years (If more ban two, attach additional sheet) .ocation Where Fled: Middle District of Pennsylvania Location Where Filed: Case Number: t-01-06265 Date F ed: Pending Bankruptcy Case(s) Filed by any Spouse, Partner or Affiliate of this Debtor (if more than one, attach additional sheet) Name of Debtor: I Case Number: Date Filed: Relationship: Jug,ge: Signatures Signature(s) of Debtor(s) (individual/Joint) I declare under pe~itty of pellury that the infomtndon provided in.this pad, on is true and correct ill petl~ner is an ledi'.id ual whose debts are pdmedly consumer debts and has chosen to ~ under chapter 7] J am aware that I may proceed under chapter 7, 11, ~2~or ~:~:~) f flue 11, United States Code, understand the re~ef available under each,~t~i ~bapter, and choose to proceed under chapter 7. I rebueifk'~l~., f in accordance with the chapter of title 1 t, United States Code, Linda Regtha Bonner. ~ X Da_t~ Dorothy L. Mort Bar No. 43568 Dorothy L. Mott, Attorney at Law 125 State Street Hanisburg, PA 17101 Phone No.(717) 232-6650 Fax No.(717) 232-0477 Signature of Debtor (CorporstionfPartnership) I declare under penalty of per, up/that the information provided in this poitflon is The debtor requests relief b accordance with the~ chapter of title 11, United States X Pdnted Name of Authorized individual TiUe of Authorized Individual Exhibit A (To be completed if debter is required to file periodic reports (e.g. forms 10K and 10Q) with the Secunties and Exchange Commission pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 and is Pnduesfina relief under chapter 11 ) [] Exhibit A is attached and made a part of this petition. Exhibit B (To be completed if ,it ebter is an individual whose debts are pdma fity consumer X Dorothy L. Mott Date Exhibit C Does the debtor owrl or bav~ possession of any property that poses or is alleged to pose a threat of imminent and identifiable harm to public health or safety~ [] Yes, and Exhibit C is attached and made a part of this petition. [] No Signature of Non.Attorney Petition Preparer I cert~ that I am a bankruptcy petibon preparer as defined in 11 US C § 110, that I prepared this document for compensation, and that I nave provided the debtor with a copy of this document Pdnted Name of Bankruptcy Petition Preparer Social Secudty Number Address Names and Social Security numbers of all other individuals who prepared or If more han one person prepared lhis document, attach additional sheets conlorming to the appropriate official form for each person X S gnature of Bankruptcy Petition Preparer Data Computer software provided by LegalPRO Systems,/nc,, San Antonio, Texas (210) 561-5300, Copyright 1996-2003 (Build 6.1.0.1116, ID 4121345005) CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Preliminary Objections was furnished by U.S. Mail, first class, postage prepaid on this 30th day of April 2004, to: Terrence J. McCabe, Esquire McCabe, Weisberg and Conway, P.C. 123 South Broad Street, Suite 2080 Philadelphia, Pennsylvania 19109 BRATIC & PORTKO Stephen Portko Attorney I.D. No. 19249 101 U.S. Route 15 South Dillsburg, PA 17019 (717) 432-9706 Attorneys for Defendants 3 M¢CABE, WEISBERG AND CON'WAY, P.C. BY: LAURENCE R. CHASHIN, ESQUIRE Identification Number 77558 123 South Broad Street, Suite 2080 Philadelphia, Pennsylvania 19109 (215) 790-1010 Beneficial Consumer Discount Company d/b/a Beneficial Mortgage Company of Pennsylvania P.O. Box 8621 Elmhurst, IL 60126 Vo Linda R. Bonnet a/k/a Linda Bonner 1023 York Road Dillsburg, PA 17019 and Clyde L. Bertram a/k/a Clyde N. Bertram 1023 York Road Dillsburg, PA 17019 Attorney for Plaintiff Cumberland County Court of Common Pleas Number 04-1386 Civil Term ORDER TO DISCONTINUE AND END TO THE PROTHONOTARY: Kindly mark the above captioned matter as Discontinued and Ended, without prejudice, upon payment of your costs only. LAOR:glxlCE R. CHASHIN, ESQUIRE Attorney for Plaintiff McCABE, WEISBERG AND CONWAY, P.C. BY: LAURENCE R. CHASHIN, ESQUIRE Identification Number 77558 123 South Broad Street, Suite 2080 Philadelphia, Pennsylvania 19109 (215) 790-1010 Beneficial Consumer Discount Company d/b/a Beneficial Mortgage Company of Pennsylvania P.O. Box 8621 Elmhurst, IL 60126 Linda R. Bouner a/k/a Linda Bonner 1023 York Road Dillsburg, PA 17019 and Clyde L. Bertram a/k/a Clyde N. Bertram 1023 York Road Dillsburg, PA 17019 Attorney for Plaintiff Cumberland County Court of Common Pleas Number 04-1386 Civil Term CERTIFICATE OF SERVICE I, Laurence R. Chashin, Esquire, Attorney for Plaintiff, hereby certifies that a true and correct copy of the within Order to Discontinue and End was served on the below party on the 5t~ day of May, 2004, by the United States mail, first class: Stephen K. Portko, Esquire BRATIC AND PORTKO 101 Office Center, Suite A 101 South U.S. Route 15 Dilisburg, PA 17019 DATE: LAURenCE R. CHASHIN, ESQUIRE Attorney for Plaintiff SHERIFF'S RETURN OF SERVICE CHRISTOPHER A. TELENCIO VS CYNTHIA M. POINTER COMMON PLEAS COURT STATE OF PENNSYLVANIA COUNTY OF CUMBERLAND COURT CASE: 04-4458 File: 04-1386 STATE OF OREGON ) COUNTY OF BENTON ) S.S. I hereby certify that on the 23rd day of September, 2004, at the hour of 8:38 AM, the Benton County Sheriff's Office, by and through DEP. NICK NEWBY, served CYNTHIA M. POINTER by: Personal Service (personally and in person) Substitute Service (by serving a person over the age of 14 years, who resides at the usual place of abode of the within named) Office Service (by serving the person apparently in charge) Posting (said residence) Mail (US Postal Service) A certified (certified by: Attorney) true copy of: Complaint Together with a copy of: Atty Cover Itr dated 09-20-04/Ceritifed True Copies of: Order of Court/In Re:Petition for Emergency Relief Order/Emergency Petition To: CYNTHIA M. POINTER at BENTON COUNTY COURT, CORVALLIS 97330 - Personal Service ALL SEARCH AND SERVICE WAS MADE WITHIN THE COUNTY OF BENTON Subscribed to and sworn to before me this 23rd day of September, 2004. James Sw~ar~enton County Sheriff Papers received frorr'~. BECKLEY & MADDEN, ~TTORNEYS AT LAW Benton County Sheriff's Office 180 NW 5TM St. Service Fee $28.00 Corvallis, OR 97330 Amount Paid $28.00 Date: 9/23/2004 Balance $0.00 PO BOX 11998 HARRISBURG, PA 17108-1998 717-233-7691 $1mSCRBED AND SWORN TO BEFORE ME OFF ClAL SEAL JOYCE M OLIVER NOTARY PUELIC - OREGON COMMISSION NO. 342954 SHERIFF'S RETURN OF SERVICE - PAGE 1 A cerUfie Together Re:Petitio~ To: CYNTH ALL SEARCH James -~papers ~eceive~rrom BECKLEY & MADDEN,~i PO BOX 11998 HARRISBURG, PA 17108-1t 717-233-7691 c~t~.ts~O~BBR A. ~LE14c~O : 'llq cusTODY OUN'I'Y BHERtFF E~ O~ COU~ e attac~e6 C°mp~aint' ~ -:6eration of th _ the co~C¢ia , upon cOn~ ~. 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