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HomeMy WebLinkAbout09-6711MILSTEAD & ASSOCIATES, LLC BY: Mary L. Harbert-Bell, Esquire ID No. 80763 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482-1400 HSBC Mortgage Services Inc. 636 Grand Regency Boulevard Brandon, FL 33510, Plaintiff, Vs. Tiffany A. Gannon 4000 Spring Road Shermans Dale, PA 17090, and Timothy E. Gannon 4000 Spring Road Shermans Dale, PA 17090, Defendants. To: T* fiq n?j A 4 You are hereby notified to f ritten response to the enclosed µ -within twenty (20) days from the service hereof or a judgment may be entered against you. ? Q Attorney for Plaintiff Attorney for Plaintiff File: 22.10939 COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 0 t? - G 7/ I ct?;J 7-.1 CIVIL ACTION MORTGAGE FORECLOSURE E G, v,,oo NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 717-249-3166 800-990-9108 ?*?r,?rdt?t**?k?tt k******?t** *!k?* ikie**?x?r?ik,?r??Fk*?k k****?kik*i?r?klk**?k?k,kik***?trx,kirik?,?r9r,?r??kirre?rtiF**i?k*******r NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICES ACT 1. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 2. Unless you dispute the validity of this debt, or any portion thereof, within 30 days after receipt of this notice, the debt will be assumed to be valid by our offices. 3. If you notify our offices in writing within 30 days of receipt of this notice that the debt, or any portion thereof, is disputed, our offices will provide you with verification of the debt or copy of the Judgment against you, and a copy of such verification or judgment will be mailed to you by our offices. MILSTEAD & ASSOCIATES, LLC BY: Mary L. Harbert-Bell, Esquire ID No. 80763 220 Lake Drive East, Suite 301 Cherry Hill, NJ 08002 (856) 482-1400 HSBC Mortgage Services Inc. 636 Grand Regency Boulevard Brandon, FL 33510, Plaintiff, Vs. Tiffany A. Gannon 4000 Spring Road Shermans Dale, PA 17090, and Timothy E. Gannon 4000 Spring Road Shermans Dale, PA 17090, Defendants. Attorney for Plaintiff COURT OF COMMON PLEAS CUMBERLAND COUNTY No.: 6 9 - 6 7// c?:? _-u.,..-. CIVIL ACTION MORTGAGE FORECLOSURE COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff, HSBC Mortgage Services Inc. (the "Plaintiff'), is a corporation registered to conduct business in the Commonwealth of Pennsylvania and having an office and place of business at 636 Grand Regency Boulevard, Brandon, FL 33510. 2. Defendants, Tiffany A. Gannon and Timothy E. Gannon, (collectively, the "Defendants"), are adult individuals and are the real owners of the premises hereinafter described. 3. Tiffany A. Gannon, Defendant, resides at 4000 Spring Road, Shermans Dale, PA 17090. Timothy E. Gannon, Defendant, resides at 4000 Spring Road, Shermans Dale, PA 17090. 4. On November 22, 2006, in consideration of a loan in the principal amount of $235,000.00, the Defendants executed and delivered to Decision One Mortgage Company, LLC an adjustable rate note (the "Note") with interest thereon at 8.96 percent per annum, payable as to the principal and interest in equal monthly installments of $1,884.11 commencing December 28, 2006. 5. To secure the obligations under the Note, the Defendants executed and delivered to Mortgage Electronic Registration Systems, Inc., as nominee for Decision One Mortgage Company, LLC a mortgage (the "Mortgage") dated November 22, 2006, recorded on December 19, 2006 in the Department of Records in and for the County of Cumberland under Mortgage Book 1976, Page 3205. See Mortgage attached. Pursuant to Pa.R.C.P. 1019 (g) the mortgage is incorporated herein by reference. Plaintiff is proper party plaintiff by way of an assignment to be recorded. 6. The Mortgage secures the following real property (the "Mortgaged Premises"): 4000 Spring Road, Shermans Dale, PA 17090. A legal description of the Mortgaged Premises is attached hereto as Exhibit "A" and made a part hereof. 7. The Defendants are in default of their obligations pursuant to the Note and Mortgage because payments of principal and interest due April 28, 2009, and monthly thereafter are due and have not been paid, whereby the whole balance of principal and all interest due thereon have become due and payable forthwith together with late charges, escrow deficit (if any) and costs of collection including title search fees and reasonable attorney's fees. 8. The following amounts are due on the Mortgage and Note: Balance of Principal ................................$230,557.27 Accrued but Unpaid Interest from 3/28/09 to 10/7/09 @ 8.96% per annum ($56.60 per diem) ......................................$10,980.40 Accrued Late Charges ....................................$471.00 Escrow ........................................................$1,032.79 Title Search Fees ............................................$350.00 Extension Interest Due .................................$2,027.96 Reasonable Attorney's Fees ........................$1,250.00 TOTAL as of 10/07/2009 ........................$246,669.42 Plus, the following amounts accrued after October 7, 2009: Interest at the Rate of 8.96 per cent per annum ($56.60 per diem); Late Charges of $94.20 per month. 9. Plaintiff has complied fully with Act No. 91 (35 P. SA 680.401 (c) of the 1983 Session of the General Assembly ("Act 91") of the Commonwealth of Pennsylvania, by mailing to the Defendants at 4000 Spring Road, Shermans Dale, PA 17090 as well as to address of residences as listed in paragraph 3 of this document on August 31, 2009, the notice pursuant to § 403-C of Act 91, and the applicable time periods therein have expired. WHEREFORE, Plaintiff demands an in rem judgment against the Defendants for foreclosure and sale of the Mortgaged Premises in the amount due as set forth in paragraph 8, namely, $246,669.42, plus the following amounts accruing after October 7, 2009, to the date of judgment: (a) interest of $56.60 per day, (b) late charges of $94.20 per month, (c) plus interest at the legal rate allowed on judgments after the date of judgment, (d) additional attorney's fees (if any) hereafter incurred, (e) and costs of suit. MILSTEAD & ASSOCIATES, LLC Mary L. Harbert-Bell, Esquire Attorney for Plaintiff VERIFICATION I, Mary L. Harbert-Bell, hereby certify that I am an Attorney for Plaintiff and am authorized to make this verification on Plaintiff s behalf. I verify that the facts and statements set forth in the forgoing Complaint in Mortgage Foreclosure are true and correct to the best of my knowledge, information and belief. This verification is made subject to the penalties of 18 Pa. C.S. '4904, relating to unworn falsification to authorities. 4 Name: Mary L. Harbert-Bell, Esquire Title: Attorney FdaNtt 1089882 TaA" ComentOwaart Tlmothy L audW!euyA. MmGn ALLTHATCnTAN trn:tor pored dlikd cthai* px*b14BddWwTo*ujNpt oumWdmdcovb% ad path ? Cattoh rHwtutp. een?r t7onr4. ttsHlsrtatKPenneylramt, aonpntikda? 6otmded and daesrffied ACa@YdaL.:a ? ? aHlVlY preparad byTbotast ?({, Pneae, R.S., da4dJtt?$, 19lBt to w? VtNt? Ht ?potat.J?{d point eattsa 14e eRseofRoaeo34 tttdpe carter otbtduaax or of Wham ? COStepOnror tll?ttee OetlWtet$ ? ??? 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BmceW wM% and apses b da tams end mmush coawmd hi sac Air RAID Ridm 4000 Spring Road Sherman& DaIr Dale Shermaas Dale, PA 17090 4000 Spring Road Shermaas Dale, PA 17090 •asudwswwruwaaisdm bwe ayar?n,irwymoxan?naww.r ?w»m? rr OWX#jJroW ?? 7?D'ra?2G'1 nn nir.)w +n-rm-n+ AM CUMBERWM COUNTY kaL# 200BOW - Page 17 of 18 09-01-'09 17;18 FROM- 'P"A" ChfMt Owesas Tlmoter L c MMft Mdlgbny A. OMmn T-242 P8046/0052 F-538 FdeNa now AILTHATC6RTAlNtrait or pond efbmd Waste pw*IaMTM FM Townsbtp„ Cumbarbmd Coamty, o d pu* ba Cma Town ft. eery Coney, wt.%bof!"enngltrnu, mesepaalltlda W banded and described bt aeatdaww wO it servev prepind byThoma Lee P*rA Ra dabdJ*8,19K to wit: BB4BNOVIIVf3aoPOiaL snid pe4?t bdwrin tl?a aramrYneefRoarta34 atd4a eoeaer e[haadsmsroe oriecma'ly of WOBam G Costsponiol; thraee omstba?abrrplbesnteribmdlew1e348onIAZOdenro.s 12 wtors.s o0 seeoadsBasta diseanee of Z94.2Biaet to ayoiasla d?eoeaterlA?eetB'?1017; tl?saa amalts eeut}ySdepraaS9 minetesOS sstaads west, w dbtaam 4104,88 feetta rpointofbptde artrordattro?ysf`Wt18i?as G CasOOponles; Hteea aio feada raw or iorwrrly or vf'ltllma C Catapaios a depea 45 m4erlN W ww& West s dbasateofnUtfos as pA*tbmncadaabatslastlbesamebmialfosai'24dogms4SniaateaSSsecmds West a dlstroae ofl6d fat m a pdoft &an aby Wade now w ft=VdVMkm G tbesspoalrs ltes9? 74 dWm 19 tas 95 stealwb Zmt a dbtsnee of l" fed to dra ceetprltre of Roats34. a pobat sedPlsee of VXQUOUNQ Rft dosome pr mtsesaa?vnyedtnTb dWLCromamdTWAVA.Comm*mJd=T.Reelmd O&OrAA.RadbybadAated6fl9RMandrorded7Q?1,MhtBook2@hV4=oftbtlls "%ud Coeatyelm*%OWL SHOWN FORB@FOItMA'ffONAX-1!T/BPOSSS ONLY: ADD :400SprletRad,Sham=Dria,pA17890 PAR= IDN 21-ot43734H '"rA-&W I c4mfp tab fDbe reoo:d A ft&2 In CumbaW Cot* PA RacordetT oaf Duda N f 976PG3222 nAH IP"A 10:58.:01 AM CUMBERLAND COUNTY In" 20MM92 - Page 18 of 18 2609 OCT -3 Al I H: 0 a Ck. ? ys 3 ,, .Z 316 d? Sheriffs Office of Cumberland County R Thomas Kline Sheriff Ronny R Anderson Chief Deputy Jody S Smith Civil Process Sergeant Edward L Schorpp Solicitor ??1?titt4, 9t ?ulf7bct?'?4 OFF CE OF -r,E S!*ERIFF r iLEO- -UE 1 OF THE f7 4jT,4RY 2009 OC T 15 A 9: 0 9 PE1 NSYLVr*4ilA, HSBC Mortgage Services, Inc. vs. Tiffany A. Gannon Case Number 2009-6711 SHERIFF'S RETURN OF SERVICE 10/12/2009 10:15 AM - Mark Conklin, Deputy Sheriff, who being duly sworn according to law, states that on October 12, 2009 at 1015 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Tiffany A. Gannon, by making known unto Luke Ansel, adult in charge at 4000 Spring Road Shermans Dale, Cumberland County, Pennsylvania 17090 its contents and at the same time handing to him personally the said true and correct copy of the same. 10/12/2009 10:15 AM - Mark Conklin, Deputy Sheriff, who being duly sworn according to law, states that on October 12, 2009 at 1015 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Timothy E. Gannon, by making known unto Luke Ansel, adult in charge at 4000 Spring Road Shermans Dale, Cumberland County, Pennsylvania 17090 its contents and at the same time handing to him personally the said true and correct copy of the same. SHERIFF COST: $49.40 October 13, 2009 SO ANSWERS, R THOMAS KLINE, SHERIFF By De ty Sheriff