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Home My WebLink About04-2224UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Deutsche Bank Trust Company Americas f/k/a Bankers Trust Company, as Trustee 1270 Northland Drive, Suite 200 Mendota Heights, MN 55120 Plaintiff Sandra Cluck 169 South Enola Drive Enola, PA 17025 Defendant(s) ATTORNEY FOR PLAINTIFF : COURT OF COMMON PLEAS :CIVIL DIVISION · Cumberland County NO. oq - COMPLAINT IN MORTGAGE FORECLOSURE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER 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 HAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYERS REFERI~AL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 AVISO Le ban demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta ascentar una comparencia escrita o en persona o con un abogado y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se dafiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del demandante ¥ requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UNABOGADO IMM~DIATAMENTE, SI NO TIENEABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Lawyers Referral Service Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 717-249-3166 800-990-9108 NOTICE The amount of your debt is as stated in the attached document. The name of the creditor to whom the debt is owed is as named in the attached document. Unless you notify us within 30 days after receipt of this Notice and the attached document that the validity of the stated debt, or any portion of it, is disputed, we will assume that the debt is valid. If you do notify us in writing of a dispute within the 30 day period, we will obtain verification of the debt or a copy of a judgment against you, and mail it to you. If you do not dispute the debt, it is not an admission of liability on your part. Also, upon your written request within the 30 day period, we will provide you with the name and address of the original creditor if different from the current creditor. If you notify us in writing within the 30 day period as stated above, we will cease collection of your debt, or any disputed portion of it, until we obtain the information that is required and mail it to you. Once we have mailed to you the required information, we will then continue the collection of your debt. This law firm is deemed to be a debt collector and this Notice and the attached document is an attempt to collect a debt, and any information obtained will be used for that purpose. UDREN LAW OFFICES, P.C. /s/Mark J. Udren, Esquire Woodcrest Corporate Center 111 Woodcrest Road, Suite 200 Cherry Hill, NJ 08003-3620 (856) 669-5400 1. Plaintiff is the Corporation designated as such in the caption on a preceding page. If Plaintiff is an assignee then it is such by virtue of the following recorded assignments: Assignor: Decision One Mortgage Company, LLC Assignments of Record to: Deutsche Bank Trust Company Americas f/k/a Bankers Trust Company, as Trustee Recording Date: 05/28/02 Book: 687 2. Defendant(s) is the individual caption on a preceding page, whose last Page: 2438 designated as such on the known address is as set forth in the caption, and unless designated otherwise, is the real owner(s) and mortgagor(s) of the premises being foreclosed. 3. On or about the date appearing on the Mortgage hereinafter described, at the instance and request of Defendant(s), Plaintiff (or its predecessor, hereinafter called Plaintiff) loaned to the Defendant(s) the sum appearing on said Mortgage, which Mortgage was executed and delivered to Plaintiff as security for the indebtedness. Said Mortgage is incorporated herein by reference in accordance with Pa.R.C.P. 1019 The information regarding the Mortgage being foreclosed is as follows: MORTGAGED PREMISES: 169 South Enola Drive MUNICIPALITY/TOWNSHIP/BOROUGH: Pennsboro Township COI/NTY: Cumberland DATE EXECUTED: 08/21/01 DATE RECORDED: 08/23/01 BOOK: 1731 PAGE: 2446 The legal description of the mortgaged premises is attached hereto and made part hereof. 4. Said Mortgage is in default because the required payments have not been made as set forth below, and by its terms, upon breach and failure to cure said breach after notice, all sums secured by said Mortgage, together with other charges authorized by said Mortgage itemized below, shall be immediately due. 5. After demand, the Defendant(s) continues to fail or refuses to comply with the terms of the Mortgage as follows: 05/17/04: (a) by failing or refusing to pay the installments of principal and interest when due in the amounts indicated below; (b) by failing or refusing to pay other charges, if any, indicated below. The following amounts are due on the said Mortgage as of Principal of debt due $57,685.92 Unpaid ~nt~rest at 9.99% from 12/21/03 to 05/17/04 (the per diem interest accruing on this debt is $16.01 and that sum should be added each day after 05/17/04) 2,369.48 Title Report 250.00 Court Costs (anticipated, excluding Sheriff's Sale costs) 280.00 Escrow Overdraft/(Balance) (The monthly escrow on this account is $116.66 and that sum should be added on the first of each month after 05/17/04) (1,166.68) Late Charges (monthly late charge of $25.65 should be added in accordance with the terms of the note each month after 05/17/04) 128.25 Attorneys Fees (anticipated and actual to 5% of principal) 2,884.30 TOTAL $62,431.27 7. The attorney's fee set forth above are in conformity with the mortgage documents and Pennsylvania law, and will be collected in the event of a third party purchaser at Sheriff's Sale. If the mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged in accordance with the reduction provisions of Act 6, if applicable. 8. The combined notice specified by the Pennsylvania Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983 and Notice of Intention to Foreclose under Act 6 of 1974 has been sent to each defendant, via certified and regular mail, in accordance with the requirements of those acts, on the date appearing on the copy attached hereto as Exhibit "A", and made part hereof, and defendant(s) have failed to proceed within the time limits, or have been determined ineligible, or Plaintiff has not been notified in a timely manner of Defendant(s) eligibility. WHEREFORE, the Plaintiff demands judgment, in rem, against the Defendant(s) herein in the sum of $62,431.27 plus interest, costs and attorneys fees as more fully set forth in the Complaint, and for foreclosure and sale of the Mortgaged premises. UDREN LAW OFFICES, P.C. Attorney for Plaintiff Attorney I.D. No. 04302 mown mmamubm~l as 1~ SouthEuo¼ De,ye, S~ois. Image Print Page 1 of 6 043M60439 16q Sou~h E,~h Dri~ ~l~m]a, PA Rn: Prv4~l~' Afldm~: 169 South ~m~h Br~ts, PA 13~3~5 bran Numbe~ 04.~3160430 .%t9.15 TO CLARE ~ D`EFALLT, SEND YOUR CASItlER'S C[4~CI& MONq~Y ORDEP~ OR CAT~TI~IED ~UK ]N ~ AMOUNq' OF $ 2.0C~9.1~ BY A~I 2~. Zo04 lTD THE FOLLO%qN~ ADDRESS l-Sn~ee~t~ln~ ~ Sky ltllrimr C irr. k, e~(~ to p~e~ent a~ei~nttion and ~al~ of ~e pv~l~l~,.~ TIIIS NOTICE IS ~q' TO YOUIN ~ AZTItMPT TO COLLt~CT TIlE INDEB~$ ~ TO HiSLELN ANI) ANY IN'FORk4A/ION OBT~ FROM YOU V~L BE U/ED FOR Tt4AT I XHIBrrA https://imaging.homecomings.com/imageview/Printlmages.asp?DocumentID=56883058&p... 5/7/2004 Image Print Page 2 of 6 ACT 91 NOTICE TA~ ACTION TO SAVE YOUR HOME FROM FORECLOSURE T'~]IS NOTICg IS SEN'I TO YOU IN AN A~ TO COLLECT TIJ/E EqDE~:~S RIAg~,D TO i~iou ~t ~ namm of the d~lhott i~ prc*ie~t m th~ ammhed lm~ DAYS OF TH Dg~T~ OF ~ NOllC~. '1'~ ~ aoti~ w/th you wh~':~ w3u meet wflh the Coumelir~ Ao~mcx ~ TO: $~ Clu~k I-%'mises: 169 S~ath ~...no ts https://imaging.homecomings.com/imageview/Printlmages.asp?DocumentlD=56883058&p... 5/7/2004 Image Print Page 3 of 6 HOI~fEO'WNER~' EJ~ERGENCY ~?IORT(~AGE A~%~iI~ANCE PROGRAM YOU COMPLY I~Tf{ ~ PROVI~ION~ OF TI~ I:IDMI~OI~N~~S I~7A~GI~ICY I~IORTG~C~ ASSITAI'JCE ACT OF l~ff3 (TI-I~_ '~AC'P'), YOU MAY BE ~IG~LE FOR E~RG~NCY MORYGA~ ~' YOUP. I)~AULT ~S BE~N CAUSBI) BY CIRC UM~L4NCES BEYOND yOt~R CONTROL. tF YO:iT I4AV~ A i~.E~NABI~ PRO,'gPECT OF BITING ABLE PAY YOUR MORI3~AGE PAYM!i~qTS, giNI) ~F YOU ME~T OlllER ELIGIBIIJrY REOUIRI~mqTS I~$TA~LISi~IED l~Y ~ PE'm~qS YLVANL~, t~IOL~ING FZN f~W CI~., MORTGAGE ~STANCE, YOU ML~T BR~G YOL~ MOR~AGE [~ ]X~ DA~ 1~ PART MORTGAGE I~ TO DA~, 93,'~0 W~ W15' Saite 100 Ssn Diego, UA 92123 1~: 1.g00.20~.2901, ~ 85~.505.7553 https://imaging.homecomings.comJimageview,rPrintlmages.asp?DocumentlD=56883058&P... 5/7/2004 Image Print Page 4 of 6 ALL C~I~JENCE ~ARDING PHFA ~kq'TANCE b~IOULI) BE FORWARDED TO ~; ~ RF~C~ ~DR F~ YOU ~r~ ~ YO[~ ~ P~ W YOU F~, TO ~ ~ 0R W YOU I~ ~t~ ~OC~I) AGA~T YO~ HO~ ~TEL] A~ YO~ ~PLICATION FOR M~TGAG~ ]qOTE: IF YOU ARE CLrRREIqTLY PROCrF~TED IlV TIlE YIL1NG OF A PETrrIo~ IIAN'kq~, tttl~ FO LLOWING I'AIrT OF ~ NOrlICE 1S FOR INFORMAIION iP~O~/]ES ONLY 3AXlD 8E[OULD NOT lig C~NK'IRIJEI} AS AN ATTEMI~T TO CO~/THE DFIIT (if ~ ba~ fllul t~Mu'ul~'y .wu um ~{l{l alS~y Ior Em' Mw. lair ~mlan~c.) HO%V TO CURE YOUR MORTGAGE DEFAULT (Brin ~ it tm m ~tle), { 69 South ~ ~v,e ~ E~m:>laAC'A 17~5 IS 8Er4IOUSLY L~ DEFALLT because YOU I'IA~E NO7 MADE ~"~' MCfR'IX3AGE PA~ for ~h~ t~ollowmg $ Y~9.15 $ 2~069,15 ~IOW TO CUgE TItF DW~AUT, T- You me6/*tut* Ole default ~iBlin THIR'~* (30) DAYS of MORTOAOE PA]~ A~ ~ ~S ~H BE~ D~ ~O ~ ~ (30) DAY H~ F~ P~. ~ 7~26 ~o~ai~ ~ 8~ OR O~IGHT TO: IF YOU DO NOT CUR~ TIt~ DF. FA~DLT - Ify~u ~k~ not ma~ tl~ ddault wi~ ~ (~) DAYS ~ ~ ~ ~di~ b~ or,hi ~ ~ ~ll he c~ d~ i~ia~b, ~ ~ may {~e th~ ~ to ~y ~ .~ https://imaging~h~mec~mings.c~m/imageview/Print~mages.asp~D~cument~D=56883~58&P... 5/7/2004 Image Print Page 5 of 6 you ~e ~ 1~. ~ may aJ~ ~]~e ~her ~bie ~ ~f ~u cu~ ~ ~u~ ~il~ ~c same p~ ~ of the m~d ~ ~ld ~ ~d ~ld ~ n~m~m~' six (6) months from ~e d~ of ~is N~. A ~ of~ ~ ~e ~ ~e S~s ~ will ~ ~t to ~ ~f~ ~ ~. ~' ~ ~ ~ n~ ~v /~gL~,~I'ION OF MORTGAGE YOU I~{Ay Al .~lO HAVE TFIE RIGHT: '~* SELL TIlE PROT~RTY T~ OBTfillq MONEY ~ PAY O~T ~ ~R~E D~T ~ 'IT) BO~OW ~EY ERSt ~'4(YY~R ~G ~Ng~'l~'lf~ TO PAY ~FF ~S DEBT 10 H^~ THIS DEFAULT CURbTD BY ANY THIRD PARTY/~q~G ON YOUR I~BHALF https://imaging~h~mec~mings.c~m/imageview/Print~mages.asp?D~cument~D=56883~58&P... 5/7/2004 Image Print Page 6 of 6 'ICJ l~%rl/THE MORTCJAGE R~TOR~D TO T~ $~ ~1(>~ Ag IF NO D~AL~T }~ ~L~, ~ YOU ~ ~ DEFAI~ ~. YOU~ ~T HA~ ~S 2'0 ASSBRI 'f~ NONIL~$T~NCE OF A D~I~AUL1 hN ~q5 PROCEEDING OR AND' OT'xt~R LA~T[ D~STITLtI~; UNDBR ~ MORT(~AGE TO ASSt~RT ~-MNY ~ DEFENBE YOU BELIEVE YOU MAY ~VE ID SUCft ACTION Lom~ C~hn~ D~Imarmmt https://imaging.h~mec~mings.c~m/imageview/Print~mages.asp?D~cument~D=56883~58&P... 5/7/2004 VERIFICATION Mark J. Udren, Esquire, hereby states that he is the attorney for the Plaintiff, a corporation unless designated otherwise; that he is authorized to take this Verification and does so because of the exigencies regarding this matter, and because Plaintiff must verify much of the information through agents, and because he has personal knowledge of some of the facts averred in the foregoing pleading; and that the statements made in the foregoing pleading are true and correct to the best of his knowledge, information and of his information is public records and agents. The undersigned understands that is made subject to the penalties of 18 relating to unsworn falsification to Mark J. U~~IRE UDREN LAW OFFICES, belief and the source reports of Plaintiff's this statement herein Pa.C.S. Section 4904 authorities. UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 Deutsche Bank Trust Company Americas f/k/a Bankers Trust Company, as Trustee 1270 Northland Drive, Suite 200 Mendota Heights, MN 55120 Plaintiff Vo Sandra Cluck 169 South Enola Drive Enola, PA 17025 Defendant(s) ATTORNEy FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County Civil Term NO. 04-2224 SUGGESTION OF BANKRUPTC_~Y To the Prothonotary: Kindly note on the record that the above Defendant, Sandra Cluck has filed Chapter 7 Bankruptcy in the Middle District of Pennsylvania on May 14, 2004 Bankruptcy Case No. 04-02957. Mark J. Udren, Esquire UDREN LAW OFFICES, P.C. Attorney for ]Plaintiff SHERIFF'S RETURN - CASE NO: 2004-02224 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND DEUTSCHE BAi~K TRUST COMPANY AM VS CLUCK SANDP~A REGULAR ROBERT BITNER , Cumberland County, Pennsylvania, says, the within COMPLAINT - MORT FORE CLUCK SANDP~A DEFENDANT at 2113:00 HOURS, on the at 169 SOUTH ENOLA DRIVE ENOLA, PA 17025 SANDRA CLUCK a true and attested copy of COMPLAINT Sheriff or Deputy Sheriff of who being duly sworn according to law, was served upon the 24th day of May , 2004 by handing to - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 10.35 Affidavit .00 Surcharge 10.00 .00 38.35 Sworn and Subscribed to before me this 2q~- day of ~u30~ A.D, ~othonotary ~ So Answers: R. Thomas Kline 05/25/200,4 UDREN LAW OFFICES UDREN LAW OFFICES, P.C. BY: Mark J. U~ren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-482-6900 Deutsche Bank Trust Company Americas f/k/a Bankers Trust Company, as Trustee Plaintiff Sandra Cluck ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County Defendant : PRAECIPE TO DISCONTINUE WITHOUt PREJUDICE TO THE PROTHONOTARY: Kindly mark the above DISCONTINUED WITHOUT PREJUDICE, upon payment of your costs only. Mark'J. U~ren, Esquir~ UDREN LAW OFFICES, P.C. Attorney for Plaintiff DATED:July 1, 2004