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Home My WebLink About10-3801H-EPD Phelan Hallinan & Schmieg, LLP Lawrence T. Phelan, Esq., Id. No. 32227 Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 -Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 240187 SOVEREIGN BANK 601 PENN STREET READING, PA 19601 Plaintiff 2010 Jv:-4 -8 Arl 10: 2b- ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION V. KEITH D. BREAM LAURIE J. BREAM 514 SCHOOL AVENUE CARLISLE, PA 17013-3832 Defendants TERM NO. /O - 380( & i L ! n CUMBERLAND COUNTY S 442.00 J_ A4? CK?' 9583ti7 File #: 240187 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, 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 ATTORNEY REFERRAL CUMBERLAND COUNTY BAR ASSOCIATION CUMBERLAND COUNTY COURTHOUSE 2 LIBERTY AVENUE CARLISLE, PA 17013 (717) 249-3166 (800) 990-9108 File #: 240187 1. Plaintiff is SOVEREIGN BANK 601 PENN STREET READING, PA 19601 2. The name(s) and last known address(es) of the Defendant(s) are: KEITH D. BREAM LAURIE J. BREAM 514 SCHOOL AVENUE CARLISLE, PA 17013-3832 who is/are the mortgagor(s) and/or real owner(s) of the property hereinafter described. 3. On 06/06/2008 mortgagor(s) made, executed and delivered a mortgage upon the premises hereinafter described to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INCORPORATED AS A NOMINEE FOR SOVEREIGN BANK which mortgage is recorded in the Office of the Recorder of CUMBERLAND County, in Mortgage Instrument No. 200819111. The PLAINTIFF is now the legal owner of the mortgage and is in the process of formalizing an assignment of same. The mortgage and assignment(s), if any, are matters of public record and are incorporated herein by reference in accordance with Pa.R.C.P. 1019(g); which Rule relieves the Plaintiff from its obligations to attach documents to pleadings if those documents are of public record. 4. The premises subject to said mortgage is described as attached. 5. The mortgage is in default because monthly payments of principal and interest upon said mortgage due 01 /01 /2010 and each month thereafter are due and unpaid, and by the terms of said mortgage, upon failure of mortgagor to make such payments after a date specified by written notice sent to Mortgagor, the entire principal balance and all interest due thereon are collectible forthwith. File #: 240187 6. The following amounts are due on the mortgage: Principal Balance $85,070.32 Interest $2,344.54 12/01/2009 through 05/17/2010 (Per Diem $13.9063) Attorney's Fees $650.00 Cumulative Late Charges $155.70 06/06/2008 to 05/17/2010 Property Inspections/Property Preservations $10.35 Mortgage Insurance Premium / $118.34 Private Mortgage Insurance Costs of Suit and Title Search $550.00 Escrow Deficit 70.69 88,974.74 Suspense Credit (700.00) TOTAL $88,274.74 7 8 Plaintiff is nat seeking a judgment of personal liability (or an in nerssonam judgment) against the Defendant(s) in the Action; however, Plaintiff reserves its right to bring a separate Action to establish that right, if such right exists. If Defendant(s) has/have received a discharge of personal liability in a bankruptcy proceeding, this Action of Mortgage Foreclosure is in no way an attempt to reestablish such personal liability discharged in bankruptcy, but only to foreclose the mortgage and sell the mortgaged premises pursuant to Pennsylvania Law. Notice of Intention to Foreclose as set forth in Act 6 of 1974, Notice of Homeowner's Emergency Assistance Program pursuant to Act 91 of 1983, as amended in 1998, and/or Notice of Default as required by the mortgage document, as applicable, have been sent to the Defendant(s) on the date(s) set forth thereon, and the temporary stay as provided by said notice has terminated because Defendant(s) has/have failed to meet with the Plaintiff or an authorized consumer credit counseling agency, or has/have been denied assistance by the Pennsylvania Housing Finance Agency. File #: 240187 WHEREFORE, Plaintiff demands an in rem judgment against the Defendant(s) in the sum of $88,274.74, together with interest from 05/17/2010 at the rate of $13.9063 per diem to the date of judgment, and other costs, fees, and charges collectible under the mortgage and for the foreclosure and sale of the mortgaged property. PHELAN HALLINAN & SCHMIEG, LLP By: 10?:J '? ? Lawrence T. Phel , Esq., Id. No. 32227 ? Francis S. Hallinan, Esq., Id. No. 62695 ? Daniel G. Schmieg, Esq., Id. No. 62205 ? Michele M. Bradford, Esq., Id. No. 69849 ? Judith T. Romano, Esq., Id. No. 58745 ? Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? ay B. Jones, Esq., Id. No. 86657 LJ Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua 1. Goldman, Esq., Id. No. 205047 ? Courtenay R. Dunn, Esq., Id. No. 206779 ? Andrew C. Bramblett, Esq., Id. No. 208375 Attorneys for Plaintiff File #: 240187 LEGAL DESCRIPTION ALL THAT CERTAIN house and lot of ground situate in the Third Ward of the Borough of Carlisle, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at a point at the northeastern corner of the herein described lot, which point of beginning is South 76 degrees West, a distance of 110 feet from the western line of School House Avenue, an 18 foot wide public street, which point on the western line of said School House Avenue is 241 feet South of the center line of Willow Street; thence from said point of beginning, South 14 degrees East, a distance of 70 feet to a point; thence South 76 degrees West, a distance of 61 feet to an iron pin in line of land now or formerly of Franklin Poore, Jr. and wife; thence by the same, North 14 degrees West, a distance of 70 feet to a stake; thence North 76 degrees East, a distance of 61 feet to a point, the Place of BEGINNING. HAVING thereon erected a 1 story stone ranch type dwelling house known as and numbered 514 School House Avenue. TOGETHER with the right to use in common with the owners and occupiers, their heirs and assigns, of the houses and lots of ground known as 510, 512, 514, 516 and 518 School House Avenue, the lot of land containing 70 feet in front on School House Avenue and extending westwardly, a distance of 110 feet, and lying immediately East of the above-described tract of land, for the purposes of ingress, egress and regress to the dwelling houses and lots surrounding said 70 x 110 foot tract of land, as well as for parking, recreational purposes, and for installation of water, sanitary sewer, storm sewer, gas, electric, telephone, and such other utility lines as may be necessary or convenient for the owners of the dwelling houses and lots of ground abutting said tract. PARCEL NO. 04-22-0483-080 PREMISES: 514 SCHOOL AVENUE, CARLISLE, PA 17013-3832 File #: 240187 The undersigned attorney hereby states that I am the attorney for the Plaintiff in this matter, that Plaintiff is outside the jurisdiction of the Court and/or the verification could not be obtained within the time allowed for the filing of the pleading, that I am authorized to make this verification pursuant to Pa.R.C.P. 1024 (c), and that the statements made in the foregoing Civil Action in Mortgage Foreclosure are based upon information supplied by Plaintiff and are true and correct to the best of my knowledge, information and belief. Furthermore, counsel intends to substitute a verification from Plaintiff upon receipt. The undersigned understands that this statement is made subject to the penalties of 18 Pa.C.S. Sec. 4904 relating to unsworn falsifications to authorities. 2'?t?-A cot 74 Attorney for Plaintiff DATE: 6-4-( J File #: 240187 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff ~Q~y,~tn 0t ~lo~hbcr~,~fi~ ~ ~ , OFF iCE C' T=tE SxERIFF Jody S Smith Chief Deputy Richard W Stewart Solicitor 200 Jl~i! ~ 7 ~~~ ~~ ++3 Sovereign Bank vs. Keith D. Bream (et al.) Case Number 2010-3801 SHERIFF'S RETURN OF SERVICE 06/14/2010 09:21 PM -Noah Cline, Deputy Sheriff, who being duly sworn according to law, states that on June 14, 2010 at 2121 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Keith D. Bream, by making known unto himself personally, at 514 School Avenue, Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same time handing to him personally the said true and correct copy of the same. NOAH CLINE, DEPUTY 06/14/2010 09:21 PM -Noah Cline, Deputy Sheriff, who being duly sworn according to law, states that on June 14, 2010 at 2121 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Laurie J. Bream, by making known unto Keith D. Bream, Husband of defendant at 514 School Avenue, Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same time handing to him personally the said true and correct copy of the same. SHERIFF COST: $49.40 June 16, 2010 .-../"~_ NOAH CLINE, DEPUTY SO ANSWERS, RON R ANDERSON, SHERIFF (c) CountySuite Sheriff. Teleosott. Inc. f FILEf~--~ , ~F ~, I r' ZQIO ~IU~~~ ! 7 P~~ 2~ 3 ! Phelan Hallinan &Schmieg, LLP Lawrence T. Phelan, Esq., Id. No. 32227 Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 SOVEREIGN BANK Plaintiff vs. KEITH D. BREAM LAURIE J. BREAM Defendant(s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION NO. 10-3801 CIVIL TERM CUMBERLAND COUNTY PRAECIPE TO SUBSTITUTE VERIFICATION TO CIVIL ACTION COMPLAINT IN MORTGAGE FORECLOSURE TO THE PROTHONOTARY: PHS #: 240187 Kindly substitute the attached verification for the verification originally filed with the complaint in the instant matter. Phelan Hallinan & Schmieg, LLP Attorney for Plair}tiff/~ , ~ By: ~ - ^ Lawrence '~ . P elan, Esq. Id. No. 32227 ^ Francis .Hal inan, Es , Id. No. 62695 ^ Daniel . Sc q., Id. No. 62205 ^ Michele M. Bradford, Esq., Id. No. 69849 ^ Judith T. Romano, Esq., Id. No. 58745 ^ Sheetal R. Shah-Jani, Esq., Id. No. 81760 ^ Jenine R. Davey, Esq., Id. No. 87077 ^ Lauren R. Tabas, Esq., Id. No. 93337 ^ Vivek Srivastava, Esq., Id. No. 202331 ^ Jay B. Jones, Esq., Id. No. 86657 ^ Peter J. Mulcahy, Esq., Id. No. 61791 ^ Andrew L. Spivack, Esq., Id. No. 84439 ^ aime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 ^ Courtenay R. Dunn, Esq., Id. No. 206779 ^ Andrew C. Bramblett, Esq., Id. No. 208375 Date: 6-15-10 PHS #: 240187 VERIFICATION Constance M Cocroft. hereby states that he/she is Vice President of, SOVEREIGN BANK, servicing agent for Plaintiff in this matter, SOVEREIGN BANK, that he/she is authorized to take this Verification, and verify that the statements made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of his/her knowledge, information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. "-~ ~ ~ ~' ~~ ~ Name: Constance M Cocroft DATE: June 4, 2010 Title: Vice President Servicer: SOVEREIGN BANK File #: 240 ~ 87 Name: BREAM Phelan Hallinan & Schmieg, LLP _ Lawrence T. Phelan, Esq., Id. No. 32227 Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 SOVEREIGN BANK vs. KEITH D. BREAM LAURIE J. BREAM Plaintiff Defendant(s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION NO. 10-3801 CIVIL TERM CUMBERLAND COUNTY CERTIFICATE OF SERVICE I hereby certify that a true and correct copy of Plaintiff s Praecipe to attach Verification of Complaint was sent via first class mail to the following on the date listed below: KEITH D. BREAM 514 SCHOOL AVENUE CARLISLE, PA 17013-3832 PHS #: 240187 ~ .. ~ LAURIE J. BREAM 514 SCHOOL AVENUE CARLISLE, PA 17013-3832 Phelan Hallinan & Schmieg, LLP Attorney for Pl~,int,',~f ~ n By: ~ ^ Lawre . Phelan, E q., Id. No. 32227 ^ Fran s S. Hallinan, q., Id. No. 62695 ^ Dani 1 G. chmie , sq., Id. No. 62205 ^ Michele M. radford, Esq., Id. No. 69849 ^ Judith T. Romano, Esq., Id. No. 58745 ^ Sheetal R. Shah-Jani, Esq., Id. No. 81760 ^ Jenine R. Davey, Esq., Id. No. 87077 ^ Lauren R. Tabas, Esq., Id. No. 93337 ^ Vivek Srivastava, Esq., Id. No. 202331 ^ Jay B. Jones, Esq., Id. No. 86657 ^ Peter J. Mulcahy, Esq., Id. No. 61791 ^ Andrew L. Spivack, Esq., Id. No. 84439 ^ aime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 ^ Courtenay R. Dunn, Esq., Id. No. 206779 ^ Andrew C. Bramblett, Esq., Id. No. 208375 Date: 6-15-10 PHS #: 240187 Phelan Hallinan &Schmieg, LLP By: Lawrence T. Phelan, Esq., Id. No. 32227 Attorney for Plaintiff Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 ~ Chrisovalante P. Fliakos, Esq., Id. No. 94620 ~~° ;-- o ._... Joshua I. Goldman, Esq., Id. No. 205047 G..;~' 4-, Courtenay R. Dunn, Esq., Id. No. 206779 _ c ` _r r ~~ ' /Andrew C. Bramblett, Esq., Id. No. 208375 ~ ~J :' 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza ~° ~-~ Philadelphia, PA 19103 -- - _ 215-563-7000 _ =~~-• c~ - , Cr ~ SOVEREIGN BANK W CUMBERLAND COUNTY vs. COURT OF COMMON PLEAS KEITH D. BREAM CIVIL DIVISION LAURIE J. BREAM No. 10-3801 CIVIL TERM PRAECIPE FOR IN REM JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of the Plaintiff and against KEITH D. BREAM, and LAURIE J. BREAM, Defendant(s) for failure to file an Answer to Plaintiff's Complaint within 20 days from service thereof and for foreclosure and sale of the mortgaged premises, and assess Plaintiff's damages as follows: # 14. oo PA Alty ~~ g8asoa ~~ a~ RQ5 i~~,;~, ~laa.!~ As set forth in Complaint $88,274.74 Interest - 05/18/2010 to 07/28/2010 $1,006.86 TOTAL $89,281.60 I hereby certify that (1) the Defendant's last known address is 514 SCHOOL AVENUE, CARLISLE, PA 17013-3832, and (2) that notice has been given in accordance with Rule 237.1, copy attached. , ~. Lawrence T. Phelan, Esquire Francis S. Hallinan, Esquire Daniel G. Schmieg, Esquire Michele M. Bradford, Esquire Judith T. Romano, Esquire Sheetal R. Shah-Jani, Esquire Jenine R. Davey, Esquire Lauren R. Tabas, Esquire Vivek Srivastava, Esquire Jay B. Jones, Esquire Peter J. Mulcahy, Esquire Andrew L. Spivack, Esquire Jaime McGuinness, Esquire Chrisovalante P. Fliakos, Esquire Joshua I. Goldman, Esquire Cenay R. Dunn, Esquire Andrew C. Bramblett, Esquire Attorney for Plaintiff DAMAGES ARE HEREBY ASSESSED AS INDICATED. DATE: TQ~ID PHS # 240187 PROTHONOTARY Phelan Hallinan &Schmieg, LLP By: Lawrence T. Phelan, Esq., Id. No. 32227 Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 SOVEREIGN BANK vs. KEITH D. BREAM LAURIE J. BREAM Attorney for Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION No. 10-3801 CIVIL TERM VERIFICATION OF NON-MILITARY SERVICE The undersigned attorney hereby verifies that he/she is the attorney for the Plaintiff in the above-captioned matter, and that on information and belief, he/she has knowledge of the following facts, to wit: (a) that the defendant(s) is/are not in the Military or Naval Service of the United States or it Allies, or otherwise within the provisions of the Soldiers' and Sailors' Civil Relief Act of Congress of 1940, as amended. (b) that defendant KEITH D. BREAM is over 18 years of age and resides at 514 SCHOOL AVENUE, CARLISLE, PA 17013-3832. (c) that defendant LAURIE J. BREAM is over 18 years of age and resides at 514 SCHOOL AVENiJE, CARLISLE, PA 17013-3832. This statement is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. ~~ ^ Lawrence T. Phelan, Esq., Id. No. 32227 ^ Francis S. Hallinan, Esq., Id. No. 62695 ^ Daniel G. Schmieg, Esq., Id. No. 62205 ^ Michele M. Bradford, Esq., Id. No. 69849 ^ Judith T. Romano, Esq., Id. No. 58745 ^ Sheetal R. Shah-Jani, Esq., Id. No. 81760 ^ Jenine R. Davey, Esq., Id. No. 87077 ^ Lauren R. Tabas, Esq., Id. No. 93337 ^ Vivek Srivastava, Esq., Id. No. 202331 ^ Jay B. Jones, Esq., Id. No. 86657 ^ Peter J. Mulcahy, Esq., Id. No. 61791 ^ Andrew L. Spivack, Esq., Id. No. 84439 ^ Jaime McGuinness, Esq., Id. No. 90134 ^ Chrisovalante P. Fliakos, Esq., Id. No. 94620 ^ Joshua I. Goldman, Esq., Id. No. 205047 ^ urtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 Attorney for Plaintiff (Rule of Civil Procedure No. 236) -Revised SOVEREIGN BANK CUMBERLAND COUNTY vs. COURT OF COMMON PLEAS KEITH D. BREAM CIVIL DIVISION LAURIE J. BREAM No. 10-3801 CIVIL TERM Notice is given that a Judgment in the above captioned matter has been entered against you on rj D By: If you have any questions concerning this matter please contact: ^ Lawrence T. Phelan, Esq., Id. No. 32227 ^ Francis S. Hallinan, Esq., Id. No. 62695 ^ Daniel G. Schmieg, Esq., Id. No. 62205 ^ Michele M. Bradford, Esq., Id. No. 69849 ^ Judith T. Romano, Esq., Id. No. 58745 ^ Sheetal R. Shah-Jani, Esq., Id. No. 81760 ^ Jenine R. Davey, Esq., Id. No. 87077 ^ Lauren R. Tabas, Esq., Id. No. 93337 ^ Vivek Srivastava, Esq., Id. No. 202331 ^ Jay B. Jones, Esq., Id. No. 86657 ^ Peter J. Mulcahy, Esq., Id. No. 61791 ^ Andrew L. Spivack, Esq., Id. No. 84439 ^ Jaime McGuinness, Esq., Id. No. 90134 ^ Chrisovalante P. Fliakos, Esq., Id. No. 94620 ^ Joshua I. Goldman, Esq., Id. No. 205047 ^ C rtenay R. Dunn, Esq., Id. No. 206779 .Andrew C. Bramblett, Esq., Id. No. 208375 Attorney or Party Filing 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 * * THIS FIRM 1S A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANYINFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLYRECEIVED A DISCHARGE IN BANKRUPTCY, THIS IS NOT AND SHOULD NOT BE CONSTRUED TO BEAN ATTEMPT TO COLLECTA DEBT, BUT ONLYENFORCEMENT OFA LIENAGAINSTPROPERTY. ** SOVEREIGN BANK COURT OF COMMON PLEAS CIVIL DIVISON Plaintiff `'• NO. 10-3801 CIVIL TERM KEITH D. BREAM CUMBERLAND COUNTY LAURIE J. BREAM Defendant(s) TO: LAURIE J. BREAM 514 SCHOOL AVENUE CARLISLE, PA 17013-3832 DATE OF NOTICE: July 7, 2010 THIS FIIZM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN, AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE.IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY AS ENFORCEMENT OF LIEN AGAINST PROPERTY. IlVIPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPERANCE 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 MAY BE 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 HIIZING 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. PHS # 240187 Office of the Prothonotary Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 (717) 240-6195 CUMBERLAND COUNTY BAR ASSOCIATION CUMBERLAND COUNTY COURTHOUSE 2 LIBERTY AVENUE CARLISLE, PA 17013 (717) 249-3166 a ei'Ice T. Phelan, E~., Id. No. 32227 cis S. Hallinan, Es ., Id. No. 62695 iel G. Schmieg, Esq., Id. No. 62205 M chele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 8~0 Jenine R. Davey, Esq., Id. No. 8707 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 Phelan Hallinan &Schmieg, LLP 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 PHS # 240187 SOVEREIGN BANK Plaintiff KEITH D. BREAM LAURIE J. BREAM Defendant(s) TO: KEITH D. BREAM 514 SCHOOL AVENUE CARLISLE, PA 17013-3832 DATE OF NOTICE: July 7, 2010 COURT OF COMMON PLEAS CNIL DNISON NO. 10-3801 CNIL TERM CUMBERLAND COUNTY THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN, AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE.IF YOU HAVE PREVIOUSLY RECENED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY AS ENFORCEMENT OF LIEN AGAINST PROPERTY. IlVIPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPERANCE 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 MAY BE 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 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. PHS # 240187 T Office of the Prothonotary Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 (717) 240-6195 CUMBERLAND COUNTY BAR ASSOCIATION CUMBERLAND COUNTY COURTHOUSE 2 LIBERTY AVENUE CARLISLE, PA 17013 (717) 249-3166 By: _ La ence T. Phelan, Esq., d. No. 32227 Fr is S. Hallinan, Esq., . No. 62695 D 1 G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 6984 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 8 60 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 Phelan Hallinan & Schmieg, LLP 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 PHS # 240187 4 ? a PRAECIPE FOR WRIT OF EXECUTION-(MORTGAGE FORECLOSURE) P.R.C.P. 3180-3183 SOVEREIGN BANK COURT OF COMMON PLEAS Plaintiff CIVIL DIVISION V KEITH D. BREAM LAURIE J. BREAM Defendant(s) To the Prothonotary: Issue writ of execution in the above matter: Amount Due Interest from 07/29/2010 to Date of Sale ($14.68 per diem) TOTAL *14.0o PP 'T'TY 4q. 40 0,BF 9a.oo 14•oo a•W ., * 181.40 . Po A'TT`/ a.ooc.1WCo • So LL Note: Please attach description of property. PHS # 240187 eit ga,q'5? NO. 10-3801 CIVIL TERM CUMBERLAND COUNTY Z rn M ZrI .1 ? rte- L.? $89,281.60 > j $1,952.44 r.3 ?n $91,234.04 Attorney for Plaintiff Phelan Hallinan & Schmieg, LLP ? Lawrence T. Phelan, Esq., Id. No. 32227 ? Francis S. Hallinan, Esq., Id. No. 62695 ? Daniel G. Schmieg, Esq., Id. No. 62205 ? Michele M. Bradford, Esq., Id. No. 69849 HXI'dith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua I. Goldman, Esq., Id. No. 205047 ? Courtenay R. Dunn, Esq., Id. No. 206779 ? Andrew C. Bramblett, Esq., Id. No. 208375 b N N T M O O M N co W ? r y ? ... Q d Q ? ? Q x14 ? a,nU . p ? nU 4 w 4 O?.• a pa o Wo d?? a q w o w? a A ? d p, 4U 'sr c- N 00 O??r,cOy N ,n sn oo M 5 4 4 X 0 N C NO'S w MN r-0 GC d O ox N N N oo O O r- w 0 0 x ti M ?D ?D O ,n G- rn x x Z •-` yxxx?,x',.D 0 Xwx'?- °w- W ?1 y y ? ? w ? ? Nb,.t y ? y ^^ L' 6www^dw'' y ?w w o ?w ld ?d 4) A A ZI ol A) .5 -va td Oa? C%3anaoo°°n°°° doo°a°° !41 LEGAL DESCRIPTION ALL THAT CERTAIN house and lot of ground situate in the Third Ward of the Borough of Carlisle, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at a point at the northeastern corner of the herein described lot, which point of beginning is South 76 degrees West, a distance of 110 feet from the western line of School House Avenue, an 18 foot wide public street, which point on the western line of said School House Avenue is 241 feet South of the center line of Willow Street; thence from said point of beginning, South 14 degrees East, a distance of 70 feet to a point; thence South 76 degrees West, a distance of 61 feet to an iron pin in line of land now or formerly of Franklin Poore, Jr. and wife; thence by the same, North 14 degrees West, a distance of 70 feet to a stake; thence North 76 degrees East, a distance of 61 feet to a point, the Place of BEGINNING. HAVING thereon erected a I story stone ranch type dwelling house known as and numbered 514 School House Avenue. TOGETHER with the right to use in common with the owners and occupiers, their heirs and assigns, of the houses and lots of ground known as 510, 512, 514, 516 and 518 School House Avenue, the lot of land containing 70 feet in front on School House Avenue and extending westwardly, a distance of 110 feet, and lying immediately East of the above-described tract of land, for the purposes of ingress, egress and regress to the dwelling houses and lots surrounding said 70 x 110 foot tract of land, as well as for parking, recreational purposes, and for installation of water, sanitary sewer, storm sewer, gas, electric, telephone, and such other utility lines as may be necessary or convenient for the owners of the dwelling houses and lots of ground abutting said tract. TITLE TO SAID PREMISES IS VESTED IN Keith D. Bream and Laurie J. Bream, h/w, by Deed from Frances E. Freet, single person, dated 06/05/2008, recorded 06/06/2008 in Instrument Number 200819110. PREMISES BEING: 514 SCHOOL AVENUE, CARLISLE, PA 17013-3832 PARCEL NO. 04-22-0483-080 Phelan Hallinan & Schmieg, LLP 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza TARY Philadelphia, PA 19103 OF 215-563-7000 :10 SAP - I1 30 SOVEREIGN BANK Plaintiff pNRSYOIANIA V. KEITH D. BREAM LAURIE J. BREAM Defendant(s) CERTIFICATION Attorneys for Plaintiff : COURT OF COMMON PLEAS : CIVIL DIVISION : NO. 10-3801 CIVIL TERM : CUMBERLAND COUNTY The undersigned attorney hereby states that he/she is the attorney for the Plaintiff in the above captioned matter and that the premises are not subject to the provisions of Act 91 because: { ) the mortgage is an FHA Mortgage { ) the premises is non-owner occupied ( ) the premises is vacant (X) Act 91 procedures have been fulfilled This certification is made subject to the penalties of 18 Pa. C.S.A. § 4904 relating to unsworn falsification to authorities. By: ?-.J Attorney for Plaintiff Phelan Hallinan & Schmieg, LLP ? Lawrence T. Phelan, Esq., Id. No. 32227 ? Francis S. Hallinan, Esq., Id. No. 62695 ? Daniel G. Schmieg, Esq., Id. No. 62205 ? Michele M. Bradford, Esq., Id. No. 69849 ? J ith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua I. Goldman, Esq., Id. No. 205047 ? Courtenay R. Dunn, Esq., Id. No. 206779 ? Andrew C. Bramblett, Esq., Id. No. 208375 SGVMEIGN BANK Plaintiff V. KEITH D. BREAM LAURIE J. BREAM Defendant(s) ?flS?P-l AM1i?3? COUM COURT OF COMMON PLEAS CIVIL DIVISION NO. 10-3801 CIVIL TERM CUMBERLAND COUNTY PHS # 240187 AFFIDAVIT PURSUANT TO RULE 3129.1 SOVEREIGN BANK, Plaintiff in the above action, by the undersigned attorney, sets forth as of the date the Praecipe for the Writ of Execution was filed, the following information concerning the real property located at 514 SCHOOL AVENUE, CARLISLE, PA 17013-3832. 1. Name and address of Owner(s) or reputed Owner(s): Name KEITH D. BREAM LAURIE J. BREAM 2. Name and address of Defendant(s) in the judgment: Name SAME AS ABOVE Address (if address cannot be reasonably ascertained, please so indicate) 514 SCHOOL AVENUE CARLISLE, PA 17013-3832 514 SCHOOL AVENUE CARLISLE, PA 17013-3832 Address (if address cannot be reasonably ascertained, please so indicate) Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address (if address cannot be reasonably ascertained, please indicate) None. Name and address of last recorded holder of every mortgage of record: Name Address (if address cannot be reasonably ascertained, please indicate) SOVEREIGN BANK 1130 BERKSHIRE BOULEVARD WYOMISSING, PA 19610 SOVEREIGN BANK 601 PENN STREET READING, PA 19601 Name and address of every other person who has any record lien on the property: Name Address (if address cannot be reasonably ascertained, please indicate) None. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale. Name Address (if address cannot be reasonably ascertained, please indicate) None. 'No , 7. r~Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Name Address (if address cannot be reasonably ascertained, please indicate) TENANT/OCCUPANT Domestic Relations of Cumberland County 514 SCHOOL AVENUE CARLISLE, PA 17013-3832 13 North Hanover Street Carlisle, PA 17013 Commonwealth of Pennsylvania Department of Welfare Internal Revenue Service Advisory U.S. Department of Justice U.S. Attorney for the Middle District of PA P.O. Box 2675 Harrisburg, PA 17105 1000 Liberty Avenue Room 704 Pittsburgh, PA 15222 Federal Building, P.O. Box 11754 228 Walnut Street Harrisburg, PA 17108 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S.A. § 4904 relating to unworn falsification to authorities. August 32 010 By: Attorney for Plaintiff Phelan Hallinan & Schmieg, LLP ? Lawrence T. Phelan, Esq., Id. No. 32227 ? Francis S. Hallinan, Esq., Id. No. 62695 ? Daniel G. Schmieg, Esq., Id. No. 62205 ? Michele M. Bradford, Esq., Id. No. 69849 ? dith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua 1. Goldman, Esq., Id. No. 205047 ? Courtenay R. Dunn, Esq., Id. No. 206779 ? Andrew C. Bramblett, Esq., Id. No. 208375 Qnik7r, TT!'1?T n 1?Ti7 _ r./'T7Tm ?r.+ r?w,w ,rnwJMT r A r !', r t f) 7M* Ir-1p 0 lift Z ` Plaintiff : CIVIL DIVISION tOSET - ! AM 11: 30 VS. NO. 10-3801 CIVIL TERM CUMBERLA-4 COUM KEITH D. BREAM PENNSYLVANIA CUMBERLAND COUNTY LAURIE J. BREAM Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: KEITH D. BREAM LAURIE J. BREAM 514 SCHOOL AVENUE CARLISLE, PA 17013-3832 "THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY." Your house (real estate) at 514 SCHOOL AVENUE, CARLISLE, PA 17013-3832 is scheduled to be sold at the Sheriff s Sale on 12/08/2010 at 10:00 AM in the Cumberland County Courthouse, South Hanover Street, Carlisle, PA 17013 to enforce the court judgment of $89,281.60 obtained by SOVEREIGN BANK (the mortgagee) against you. In the event the sale is continued, an announcement will be made at said sale in compliance with Pa.R.C.P. Rule 3129.3. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be canceled if you pay to the mortgagee the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call: 215-563-7000 x1230. 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 attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two 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 Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 215-563-7000. 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 due in the sale. To find out if this has happened, you may call 215-563-7000. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount 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 proposed schedule of distribution of the money bid for your house will be prepared by the Sheriff not later than thirty (30) days after the sale. The schedule shall be kept on file with the sheriff and will be made available for inspection in his office. 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 filing of the proposed schedule. 7. You may also have other rights and defenses, or ways of getting your home 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 OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION CUMBERLAND COUNTY COURTHOUSE 2 LIBERTY AVENUE CARLISLE, PA 17013 (717) 249-3166 (800) 990-9108 ************NOTE************ Do not send this page with your package. This is just a friendly reminder to e-mail cbrewbakerkccpa.net copy of the legal description. Make a comment of this in *CIS/ Email both long and short. LEGAL DESCRIPTION ALL THAT CERTAIN house and lot of ground situate in the Third Ward of the Borough of Carlisle, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at a point at the northeastern corner of the herein described lot, which point of beginning is South 76 degrees West, a distance of 110 feet from the western line of School House Avenue, an 18 foot wide public street, which point on the western line of said School House Avenue is 241 feet South of the center line of Willow Street; thence from said point of beginning, South 14 degrees East, a distance of 70 feet to a point; thence South 76 degrees West, a distance of 61 feet to an iron pin in line of land now or formerly of Franklin Poore, Jr. and wife; thence by the same, North 14 degrees West, a distance of 70 feet to a stake; thence North 76 degrees East, a distance of 61 feet to a point, the Place of BEGINNING. HAVING thereon erected a 1 story stone ranch type dwelling house known as and numbered 514 School House Avenue. TOGETHER with the right to use in common with the owners and occupiers, their heirs and assigns, of the houses and lots of ground known as 510, 512, 514, 516 and 518 School House Avenue, the lot of land containing 70 feet in front on School House Avenue and extending westwardly, a distance of 110 feet, and lying immediately East of the above-described tract of land, for the purposes of ingress, egress and regress to the dwelling houses and lots surrounding said 70 x 110 foot tract of land, as well as for parking, recreational purposes, and for installation of water, sanitary sewer, storm sewer, gas, electric, telephone, and such other utility lines as may be necessary or convenient for the owners of the dwelling houses and lots of ground abutting said tract. TITLE TO SAID PREMISES IS VESTED IN Keith D. Bream and Laurie J. Bream, h/w, by Deed from Frances E. Freet, single person, dated 06/05/2008, recorded 06/06/2008 in Instrument Number 200819110. PREMISES BEING: 514 SCHOOL AVENUE, CARLISLE, PA 17013-3832 PARCEL NO. 04-22-04&3-080 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 10-3801 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due SOVERIGN BANK Plaintiff (s) From KEITH D. BREAM and LAURIE J. BREAM (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 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 $89,281.60 L.L. $.50 Interest from 7/29/10 to Date of Sale ($14.68 per diem) -- $1,952.44 Atty's Comm % Due Prothy $2.00 Atty Paid $181.90 Other Costs Plaintiff Paid Date: 9/1/10 id uell, Prothonotary (Seal) By: Deputy REQUESTING PARTY: Name: SHEETAL R. SHAH-JANI, ESQUIRE Address: PHELAN HALLINAN & SCHMIEG, LLP ONE PENN CENTER, SUITE 1400 1617 JFK BOULEVARD PHILADELPHIA, PA 19103 Attorney for: PLAINTIFF Telephone: 215-563-7000 Supreme Court ID No. 81760 ~~~~p~pc~ ICS F;'~r °"~ S~'A~~ ~,4~0~~~ _5 P~ 3:21 ~~ ~, 1 ~~~~E~~~ ~,a~~ ~ 0l~~ ~ ~~ ~~:~ pgs~?MI~ iC[f[1'i~ 10.=~ 1F~ ~~i~'Ss1e ~8,~1~: i1J~~ ~G~1,ffiy~g,Yl-,1'1r13"3~ ~ ~~~ ~~ . 20 l~ ~ t ®~ s~ ~t'i~ed ~Iow: ~ved~~~at E C 5:~-tiers ts)s). j~ ~ 7M' ~~ ~~ss i~ l__Q_ w t.«, d~°'° . i~ ;~ cite °°~ ~ w ' ~ ~ ~ ~o'~` ~ sd ~0`~~' K1MaERLY CURTY I, ~ oorrad °0PY °~ ~ bore. ` NOTARY PUBLIC ~ ~ ~ ~d stsb~ a " 5TA1"'E OF t~EW fBR5EY ~, MY COMMiSSiON E7~piRES MARCH 7, 2013 / "~ ~p bocce - -~ O~ subs -~-a"y B~ Nota~~ ~ ~ of `3~i~\ . ~~ ~ ~ ".M. ~i,.." :F~ ~" ~ R~ ~~~ . ' _ A'-'RIDAV1roFSERVICFs 204 OCT --~ ~F=~ 3~ 21 sOVERgICx BANK cuMBERI.AtvD CourvT~r~, ~~ ~~~ E 4 ~ ~=. ~`3 d C U ~~ 1 `~' PILE #t 2402E7 " r 3~ k C +^. ' 3 '+ / "~, ~~ ~ 11 DEFEAIDAh1T SERVICETEAM/ IQc ICEITII D. BREAM COURT NO.: 1!-3Spl CIVII. TERM LAURIE J. BREAM SERVE >I~EPI'H D. BREAM AT: TYPE OF ACT10lt1 514 5CROOI, AVENUE X7C Tlotioe a[ StaerBl's Sale CARi.L4LE, PA 17013.3832 SALE DATE: 1210812014 RVED - Served and made !mown ro I I Defendant on the ~ ~Aday of S'E:t~ BER. 20 ~. at $= ~ o'clock ~. M., at 514 SoMraa /~~ PJMQI.KI.l~ AA in the described below: ~i t7efendant personally served. Adult family member with whose Defendant(s) n~idets). Relationship is _ Adult in charge of Defenda~'s tesideace who refusod bu give name or ielationahip. _ Managea/Ckrk of place of lodging in which Defendants} naffs). _ Agent or person in clsrge of Ued~dsat's office err mod ph-ce of basinesa. _ an oti"xxr of said DetendanCs oompaay. _ Other: __ _ . Deacrption: Age ~ height 5 ~ I~ wai~c 1 o Icecx 'W sak. /~t oma - I, RDNQ.t_D ~ LC. , a aduk being dale sworn aoooedang to hw, dopose and atase that I Pecsoastly handed a troe asd conrct copy of We ~S6anift's Sale in tl~e ntatne~ a: set foeth hereon, issued in ffiie captioned case on the daft and st the add~eas i~caled aboMe. Swoon to and subactibed befcxemethis rsT'I`y KIM);iERLYCURTY af~~ Z01 NOTARY PUBLIC Y- ~ STATE OF AiEW JERSEY ~' ~~ MY COMMISSION EXAiRES MARCH 1, 2013 ~ 20 at _ ocbdk _. M, . _ acaat _ Does Not Exist _ Meaed _ Does Not Reside (Not Vaaat) - _ A1o Aa~a Qa ~ at ' ~ - , _ 8arrbe Rditaed _ ~i''~ - S Other. - Stwn to and sabacr~ed b~efae me drier ~~ day By: >iiarr.~t~.titw,swo o.r.s ~i.~sas~.aea anlsaur IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA SOVEREIGN BANK Plaintiff, V. KEITH D. BREAM LAURIE J. BREAM Defendant(s) CUMBERLAND COUNTY . COURT OF COMMON PLEAS CIVIL DIVISION No.: 10-3801 CIVIL TERM AFFIDAVIT OF SERVICE PURSUANT TO RULE 3129.1 COMMONWEALTH OF PENNSYLVANIA ) PHILADELPHIA COUNTY 1 SS: As required by Pa. R.C.P. 3129.1(a) Notice of Sale has been given to Lienholders and any known interested party in the manner required by Pa. R.C.P. 3129.2(c) on each of the persons or parties named, at that address, set forth on the Affidavit and as amended if applicable. A copy of the Certificate of Mailing (Form 3817) and/or Certified Mail Return Receipt stamped by the U.S. Postal Service is attached here . ibit "A". ? Lawr ce T. Phelan, Esq., Id. No. 32227 ? Francis S. Hallinan, Esq., Id. No. 62695 ? Daniel G. Schmieg, Esq., Id. No. 62205 ? Michele M. Bradford, Esq., Id. No. 69849 ? Judith T. Romano, Esq., Id. No. 58745 ? She 1 R. Shah-Jani, Esq., Id. No. 81760 ? J e R. Davey, Esq., Id. No. 87077 auren R. Tabas, Esq., Id. No. 93337 ^-_ Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 r a ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 r r- ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 -. ? Joshua 1. Goldman, Esq., Id. No. 205047 ?`, ; a, `= ? Courtenay R. Dunn, Esq., Id. No. 206779 ?- ? Andrew C. Bramblett, Esq., Id. No. 208375 r Attorney for Plaintiff .ate: 1I (? IMPORTANT NOTICE: This property is sold at the direction of the plaintiff. It may not be sold in the absence of a representative of the plaintiff at the Sheriffs Sale. The sale must be postponed or stayed in the event that a representative of the plaintiff is not present at the sale. PHS # 240187 Gi V. C C C N .-7 M Y u4 Si ? Y r V1 'D Y U N zQo e 3cu a??az ??? o 3ltvri x g ? ? ? ? w Ql4i tod N 3S 9SZtiNLN s {{v0 O ?. OW I-VIM7M A INIU }??" i I i a ? L M ny a O o 0o N ?ry 00 e'+ ? i y h `' ?+ .Yr „ Y '!7 ib ? W p a d. ~ p 7 V O Y r Y a w? S 00- ova Y r' +' OB n* ? ? ry y ` " ? "',?rTiW q Y N ?y? ??9 r r ?, ? O Z E-?v,C.t ?U?t? V?a? ???'? Daw? ?Ti?r''i ?i$oG pG U y •? *y N M '! in ?O h oo O? .°r ? ? .Mr ? .fir F& FILED-OFFICE OF THE PROTHONOTARY 2910 EC -2 Ate 10: 21i CUMBERLAND COUi"I ? Y PEINNSYLI','? le i Phelan Hallinan & Schmieg, LLP By: Lawrence T. Phelan, Esq., Id. No. 32227 Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter .l. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua 1. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 Allison F. Wells, Esq., Id. No. 309519 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 SOVEREIGN BANK Plaintiff ATTORNEY FOR PLAINTIFF Court of Common Pleas Civil Division V. CUMBERLAND County KEITH D. BREAM LAURIE J. BREAM No.: 10-3801 CIVIL TERM Defendants PLAINTIFF'S MOTION TO REASSESS DAMAGES 240187 Plaintiff, by its Attorneys, Phelan Hallinan & Schmieg, LLP, moves the Court to direct the Prothonotary to amend the judgment in this matter, and in support thereof avers the following: Plaintiff commenced this foreclosure action by filing a Complaint on June 8, 2010. 2. Judgment was entered on July 29, 2010 in the amount of $89,281.60. A true and correct copy of the Civil Court Docket reflecting the praecipe for judgment is attached hereto, made part hereof, and marked as Exhibit "A". Pursuant to Pennsylvania Rule of Civil Procedure 1037(b)(1), a default judgment containing a dollar amount must be entered for the amount claimed in the complaint and any item which can be calculated from the complaint, i.e. bringing the interest current. However, new items cannot be added at the time of entry of the judgment. 4. The Property is listed for Sheriff s Sale on December 8, 2010. Additional sums have been incurred or expended on Defendants' behalf since the Complaint was filed and Defendants have been given credit for any payments that have been made since the judgment. The amount of damages should now read as follows: Principal Balance $85,070.32 Interest Through December 8, 2010 $5,169.28 Per Diem $13.79 Late Charges $103.80 Legal fees $1,675.00 Cost of Suit and Title $1,062.50 Sheriffs Sale Costs $0.00 Property Inspections/ Property Preservation $82.80 Appraisal/Brokers Price Opinion $0.00 Mortgage Insurance Premium / $236.68 Private Mortgage Insurance Non Sufficient Funds Charge $0.00 Suspense/Misc. Credits ($0.00) Escrow Deficit $1,532.72 TOTAL $94,933.10 240187 6. The judgment formerly entered is insufficient to satisfy the amounts due on the Mortgage. 7. Under the terms of the Mortgage and Pennsylvania law, Plaintiff is entitled to inclusion of the figures set forth above 'in the amount of judgment against the Defendants. 8. Plaintiff's foreclosure judgment is in rem only and does not include personal liability, as addressed in Plaintiff's attached brief. 9. In accordance with Cumberland County Local Rule 208.3(9), Plaintiff sent a copy of its proposed Motion to Reassess Damages and Order to the Defendant on October 7, 2010 and requested the Defendants' Concurrence. Plaintiff did not receive any response from the Defendants. A true and correct copy of Plaintiff's letter pursuant to Local Rule 208.3(9) and certification of mailing are attached hereto, made part hereof, and marked as Exhibit "B". 10. No judge has previously entered a ruling in this case. 240187 WHEREFORE, Plaintiff respectfully requests that this Honorable Court amend the judgment as requested. Phelan Halli ieg, LLP DATE: By: awrence T. Phelan, Esq., Id. N . 32227 ? Francis S. Hallinan, Esq., Id. No. 62695 ? Daniel G. Schmieg, Esq., Id. No. 62205 ? Michele M. Bradford, Esq., Id. No. 69849 ? Judith T. Romano, Esq., Id. No. 58745 ? Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua I. Goldman, Esq., Id. No. 205047 ? Courtenay R. Dunn, Esq., Id. No. 206779 ? Andrew C. Bramblett, Esq., Id. No. 208375 ?Iison F. Wells, Esq., Id. No. 309519 ATTORNEY FOR PLAINTIFF 240187 Phelan Hallinan & Schmieg, LLP By: Lawrence T. Phelan, Esq., Id. No. 32227 ATTORNEY FOR PLAINTIFF Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 Allison F. Wells, Esq., Id. No. 309519 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 SOVEREIGN BANK Court of Common Pleas Plaintiff Civil Division V. CUMBERLAND County KEITH D. BREAM LAURIE J. BREAM No.: 10-3801 CIVIL TERM Defendants MEMORANDUM OF LAW IN SUPPORT OF PLAINTIFF'S MOTION TO REASSESS DAMAGES 240187 L BACKGROUND OF CASE KEITH D. BREAM and LAURIE J. BREAM executed a Promissory Note agreeing to pay principal, interest, late charges, real estate taxes, hazard insurance premiums, and mortgage insurance premiums as these sums became due. Plaintiffs Note was secured by a Mortgage on the Property located at 514 SCHOOL AVENUE, CARLISLE, PA 17013-3832. The Mortgage indicates that in the event of a default in the mortgage, Plaintiff may advance any necessary sums, including taxes, insurance, and other items, in order to protect the security of the Mortgage. In the instant case, Defendants defaulted under the Mortgage by failing to tender numerous, promised monthly mortgage payments. Accordingly, after it was clear that the default would not be cured, Plaintiff commenced the instant mortgage foreclosure action. Judgment was subsequently entered by the Court, and the Property is currently scheduled for Sheriffs Sale. Because of the excessive period of time between the initiation of the mortgage foreclosure action, the entry of judgment and the Sheriffs Sale date, damages as previously assessed are outdated and need to be adjusted to include current interest, real estate taxes, insurance premiums, costs of collection, and other expenses which Plaintiff has been obligated to pay under the Mortgage in order to protect its interests. It is also appropriate to give Defendants credit for monthly payments tendered through bankruptcy, if any. IL LEGAL ARGUMENT TO AMEND PLAINTIFF'S IN REM JUDGMENT It is settled law in Pennsylvania that the Court may exercise its equitable powers to control the enforcement of a judgment and to grant any relief until that judgment is satisfied. 20 P.L.E., Judgments § 191. Stephenson v. Butts, 187 Pa.Super. 55, 59, 142 A.2d 319, 321 (1958). Chase 240187 Home Mortgage Corporation of the Southwest v. Good, 537 A.2d 22, 24 (Pa.Super. 1988). The Pennsylvania Superior Court has repeatedly cited the right of a foreclosing creditor to amend its judgment prior to the Sheriffs sale. Nationsbanc Mortgage Corp. v. Grillo, 827 A.2d 489 (Pa.Super. 2003). Morgan Guaranty Trust Co. ofN.Y. v. Mowl, 705 A.2d 923 (Pa. Super. 1998). Union National Bank of Pittsburgh v. Ciongoli, 407 Pa.Super. 171, 595 A.2d 179 (1991). The Supreme Court of Pennsylvania recognized in Landau v. Western Pa. Nat. Bank, 445 Pa. 117, 282 A.2d 335 (1971), that the debt owed on a Mortgage is subject to change and, in fact, can be expected to change from day to day because the bank must advance sums in order to protect its collateral. Because a Mortgage lien is not extinguished until the debt is paid, Plaintiff must protect its collateral up until the date of sale. Beckman v. Altoona Trust Co., 332 Pa. 545, 2 A.2d 826 (1939). Because a judgment in mortgage foreclosure is strictly in rem, it is critical that the judgment reflect those amounts expended by the Plaintiff in protecting the property. Meco Reality Company v. Burns, 414 Pa. 495, 200 A.2d 335 (1971). Plaintiff submits that if it goes to sale without the requested amended judgment, and if there is competitive bidding for the Property, Plaintiff will suffer a significant loss in that it would not be able to recoup monies it advanced to protect its interests. Conversely, amending the in rem judgment will not be detrimental to Defendants as it imputes no personal liability. In B.C.Y. v. Bukovich, the Pennsylvania Superior Court reiterated its long standing rule that a Court has the inherent power to correct a judgment to conform to the facts of a case. 257 Pa. Super. 157, 390 A.2d 276 (1978). In the within case, the amount of the original judgment does not adequately reflect the additional sums due on the Mortgage due to Defendants' failure to tender payments during the foreclosure proceeding and the advances made by the mortgage company. The Mortgage plainly requires the mortgagors to tender to the mortgagee monthly payments of principal 240187 and interest until the Promissory Note accompanying the Mortgage is paid in full. The mortgagors are also required to remit to the mortgagee sufficient sums to pay monthly mortgage insurance premiums, fire insurance premiums, taxes and other assessments relating to the Property. The mortgagors have breached the terms of the Mortgage, and Plaintiff has been forced to incur significant unjust financial losses on this loan. III. THE FORECLOSURE JUDGMENT IS IN REM ONLY The within case is a mortgage foreclosure action, the sole purpose of which is to take the mortgaged property to Sheriffs Sale. Pennsylvania law makes clear that an action in mortgage foreclosure is strictly in rem and does not include any personal liability. Newtown Village Partnership v. Kimmel, 424 Pa. Super 53, 55, 621 A.2d 1036, 1037 (1993). Signal Consumer Discount Company v. Babuscio, 257 Pa. Super 101, 109, 390 A.2d 266, 270 (1978). Pennsylvania Rule of Civil Procedure 1141(a). However, Pennsylvania law requires that the foreclosure action demand judgment for the amount due. Pa.R.C.P. 1147(6). The purpose of the dollar amount in the in rem judgment is for bidding at the Sheriffs Sale. In the event that a third party real estate speculator were to bid on the mortgaged property at the Sheriffs Sale and become the successful purchaser, Plaintiff would receive the amount of the in rem judgment from the Sheriff. IV. INTEREST 1-he Mortgage clearly requires that the Defendants shall promptly pay when due the principal and interest due on the outstanding debt. In addition, the Note specifies the rate of interest 240187 to be charged until the debt is paid in full or otherwise satisfied. Specifically, interest from 30 days prior to the date of default through the date of the impending Sheriff's sale has been requested. V. TAXES AND INSURANCE If Plaintiff had not advanced monies for taxes and insurance throughout the foreclosure proceeding, Plaintiff would have risked loss of its collateral. If the Property were sold at a tax sale, Plaintiffs interest very well may be divested, and Plaintiff would sustain a complete loss on the outstanding balance due on the loan. If the Property were damaged in a fire, Plaintiff would not be able to obtain insurance proceeds to restore the Property if it did not pay the insurance premiums. Most importantly, the Mortgage specifically provides that the mortgagee may advance the monies for taxes and insurance and charge these payments against the escrow account. Plaintiff is simply seeking to have the Court enforce the terms of the Mortgage. VI. ATTORNEY'S FEES The amount of attorney's fees requested in the Motion to Reassess Damages is in accordance with the loan documents and Pennsylvania law. Pennsylvania Courts have long and repeatedly concluded that a request of five percent of the outstanding principal balance is reasonable and enforceable as an attorney's fee. Robinson v. Loomis, 51 Pa. 78 (1865); First Federal Savings and Loan Association v. Street Road Shopping Center, 68 D&C 2d 751, 755 (1974). In Federal Land Bank of Baltimore v. Fetner, the Superior Court held that an attorney's fee of ten percent of the original mortgage amount is not unconscionable. 410 A.2d 344 (Pa. Super. 1979). Recently, the Superior Court cited Fetner in confirming that an attorney's fee of ten percent included in the judgment in mortgage foreclosure action was reasonable. Citicorp v. Morrisville 240187 Hampton Realty, 662 A.2d 1120 (Pa. Super. 1995). Importantly, Plaintiff recognizes this Honorable Court's equitable authority to set attorney's fees and costs as it deems reasonable. VII. COST OF SUIT AND TITLE Pursuant to the terms of the mortgage, Plaintiff is entitled to recover all expenses incurred in the foreclosure action. The amount claimed for the costs of suit and title are the expenses Plaintiff paid to date as a result of the mortgage default. The title report is necessary to determine the record owners of the property, as Pa.R.C.P. 1144 requires all record owners to be named as Defendants in the foreclosure action. It is also necessary to determine whether there are any prior liens to be cleared, so that the Sheriff's sale purchaser acquires clear title to the property. It is necessary to determine if there are IRS liens on the property, whether the Defendants are divorced (which could affect service of the complaint), and numerous other legal issues. The title bringdown is necessary to identify any new liens on the property or new owners between the time of filing and complaint and the writ date. The Freedom of Information Act inquiries and the investigation into Defendants' whereabouts are necessary to effectively attempt personal service of the complaint and notice of sale on the Defendant. The notice of sale and Rule 3129 notice are required by Pa.R.C.P.3129.1 and 3129.2 to notify all lienholders, owners, and interested persons of the Sheriff's sale date, as their interests will be divested by the Sheriff's sale. Accordingly, the modest sums Plaintiff has incurred for the costs of suit and title were necessary pursuant to Pennsylvania law. The amounts were reasonable and actually incurred. The mortgage and Pennsylvania law permit Plaintiff to recover these sums through its 240187 foreclosure action. As the foreclosure action is in rem only, Plaintiff recovers its judgment from the sale of the property, not out of the Defendant's pockets. Plaintiff should recover the costs of suit and title in their entirety, which will not cause harm to the Defendants. VIII. CONCLUSION "Therefore, Plaintiff respectfully submits that if the enforcement of its rights is delayed by legal proceedings, and such delays require the mortgagee to expend additional sums provided for by the Mortgage, then the expenses necessarily become part of the mortgagee's lien and should be included in the judgment. Plaintiff respectfully requests that this Honorable Court grant its Motion to Reassess Damages. Plaintiff submits that it has acted in good faith in maintaining the Property in accordance with the Mortgage, and has relied on terms of the Mortgage with the understanding that it would recover the monies it expended to protect its collateral. 240187 WHEREFORE, Plaintiff respectfully requests that this Honorable Court amend the judgment as requested. Phelan Hallinan & Schmieg, LLP DATE: By: wrence T. Phelan, Esq., Id. No. 32227 ? Francis S. Hallinan, Esq., Id. No. 62695 ? Daniel G. Schmieg, Esq., Id. No. 62205 ? Michele M. Bradford, Esq., Id. No. 69849 ? Judith T. Romano, Esq., Id. No. 58745 ? Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua I. Goldman, Esq., Id. No. 205047 ? Courtenay R. Dunn, Esq., Id. No. 206779 ? Andrew C. Bramblett, Esq., Id. No. 208375 [],Affi-son F. Wells, Esq., Id. No. 309519 Attorney for Plaintiff 240187 Exhibit, "A" 240187 Phelan Hallinan & Schmieg, LLP By: Lawrence T. Phelan, F.sq., Id. No. 32227 Attorney for Plaintiff Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 F' Vivek Srivastava, Esq., Id. No. 202331 . f;.,. ?b Jay B. Jones, Esq., Id. No. 86657 N n J E Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 t-? •.` ti ?r :_ , . - Jaime McGuinness, Esq., Id. No. 9013 Chrisovalante P. Fliakos, Esq., Id. No. 94620 4' -44 Joshua I. Goldman, Esq., Id. No. 205047 ` Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 == 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 SOVEREIGN BANK : CUMBERLAND COUNTY VS. COURT OF COMMON PLEAS KEITH D. BREAM CIVIL DIVISION LAURIE J. BREAM .No. 10-3801 CIVIL TERM PRAECIPE FOR IN REM JUDGMENT FOR. LURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of the Plaintiff and against KEITH D. BREAM, and LAURIE J. BREAM, Defendant(s) for failure to file an Answer to Plaintiff s Complaint within 20 days from service thereof and for foreclosure and sale of the mortgaged premises, and assess Plaintiff's damages as follows: a?61 %-7 11153009292010 Cumberland County Prothonotary's Office PYS510 Civil Case Print 2010-03801 SOVEREIGN BANK (vs) BREAM KEITH D ET AL Reference No..: Case Type..... Judgment..... Judge Assigned: Disposed Desc.: ------------ Case REAL PROPERTY - MORTGAGE FOREC LOSURE 89281.60 Comments ------------- Filed........ Time......... Execution Date Jury Trial.... Disposed Date. Higher Crt 1.: Higher Crt 2.: Page 6/08/2010 10:26 9/01/2010 0/00/0000 ******************************************************************************** General Index Attorney Info SOVEREIGN BANK 601 PENN ST READING PA 19601 BREAM KEITH D 514 SCHOOL AVE CARLISLE PA 17013 3832 BREAM LAURIE J 514 SCHOOL AVE CARLISLE PA 17013 3832 PLAINTIFF MULCAHY PETER J DEFENDANT DEFENDANT Judgment Index Amount Date Desc BREAM KEITH D 89,281.60 7/29/2010 FAILURE TO ANSWER BREAM LAURIE J 89,281.60 7/29/2010 FAILURE TO ANSWER DREAM KEITH D 281.60 89 , / / BREAM AURIE J 89 2 81.60 9 2010 01 WRIT OF EXECUTION ******************************************************************************** * Date Entries ******************************************************************************** - - - - - - - - - - - - - FIRST ENTRY - - - - - - - - - - - -- - - 6/08/2010 COMPLAINT - MORTGAGE FORECLOSURE BY PETER J MULCAHY ESQ ------------------------------------------------------------------- 6/17/2010 SHERIFF'S RETURN - DATED 6/14/10 - COMPLAINT IN MORTGAGE FORECLOSURE UPON DEFT AT 514 SCHOOL AVENUE CARLISLE PA 17013 SHERIFF COST - $49.40 ------------------------------------------------------------------- 6/17/2010 PRAECIPE TO SUBSTITUTE VERIFICATION TO CIVIL ACITON COMPLAINT IN MORTGAGE FORECLOSURE - BY JOSHUA I GOLDMAN ESQ FOR PLFF O-N ---------------------------------------------------------7/29/2010 RAECIPE FOR DEFAULT JUDGMENT AND DEFAULT JUDGMENT ENTERED THE AMOUNT OF $89281.60 BY ANDREW C BRAMBLETT ESQ -------------------------------------------------------- --------- 7/29/2010 0 NOTICE MAILED TO DEFENDANTS ------------------------------------------------------------------- 7/29/2010 VERIFICATION OF NON-MILITARY SERVICE BY ANDREW C BRAMBLETT ESQ ------------------------------------------------------------------- 7/29/2010 IMPORTANT NOTICE FILED (DEFAULT JUDGMENT) BY JENINE R DAVEY ESQ ------------------------------------------------------------------- 9/01/2010 PRAECIPE FOR WRIT OF EXECUTION ON REAL PROPERTY AND WRIT OF EXECUTION ISSUED - $2.50 PD ATTY - $2.00 DUE CO - $.50 DUE LL ------------------------------------------------------------------- 9/01/2010 CERTIFICATION - BY SHEETAL R SHAH-JANI ATTY FOR PLFF ------------------------------------------------------------------- 9/01/2010 AFFIDAVIT PURSUANT TO RULE 3129.1 - BY SHEETAL R SHAH-JANI ATTY FOR PLFF ------------------------------------------------------------------- 9/01/2010 NOTICE OF SHERIFF'S SALE OF REAL PROPERTY PURSUANT TO RULE 3129.2 - - - - - - - - - - - - - - LAST ENTRY - - - - - - - - - - - - - - ******************************************************************************** * Escrow Information * Fees & Debits Beq* Bal Pmts/Add End Bal ******************************** ******** ****** ******************************* COMPLAINT 55.00 55.00 .00 TAX ON CMPLT .50 .50 .00 SETTLEMENT 8.00 8.00 .00 AUTOMATION 5.00 5.00 .00 11153009292010 Cumberland County Prothonotary' s Office Page 2 PYS510 Civil Case Print 2010-03801 SOVEREIGN BANK (vs) BREAM KEITH D ET AL Reference No..: Filed........: 6/08/2010 Case Type.....: REAL PROPERTY - MORTGAGE FOREC Time.........: 10:26 LOSURE Judgment...... 89281.60 Execution Date 9/01/2010 Judge Assigned: Jury Trial.... Disposed Desc.: Disposed Date. 0/00/0000 ------------ Case Comments ------------- Higher Crt 1.: Higher Crt 2.: JCP FEE 23.50 23.50 .00 JDMT/DEFAULT 14.00 14.00 .00 WRIT OF EXEC 24.00 24.00 .00 ------------------------ -- 130.00 130.00 ---------- .00 **************************************************** **************************** * End of Case Information **************************************************** **************************** Exhibit "B" 240187 PHELAN HALLINAN & SCHMIEG, LLP 1617 John F. Kennedy Boulevard Suite 1400 Philadelphia, PA 19103 (215) 563-7000 FAX#: (215) 563-3459 Phelan Hallinan & Schmieg, LLP Representing Lenders in Pennsylvania and New Jersey October 7, 2010 KEITH D. BREAM LAURIE J. BREAM 514 SCHOOL AVENUE CARLISLE, PA 17013-3832 RE: SOVEREIGN BANK v. KEITH D. BREAM and LAURIE J. BREAM Premises Address: 514 SCHOOL AVENUE CARLISLE, PA 17013 CUMBERLAND County CCP, No. 10-3801 CIVIL TERM Dear Defendants, Enclosed please find a true and correct copy of my proposed Motion to Reassess Damages and Order. In accordance with Cumberland County Local Rule 208.3(9), I am seeking your concurrence with the requested relief that is, increasing the amount of the judgment. Please respond to me within 5 days, by October 12, 2010. Should you have further questions or concerns, please do not hesitate to contact me. Otherwise, please be guided accordingly. 6ry ours, nc elan, E 're Fr cis S. Hallinan, Esquire aniel G. Schmieg, Esquire Michele M. Bradford, Esquire Judith T. Romano, Esquire Sheetal R. Shah-Jani, Esquire Jenine R. Davey, Esquire Lauren R. Tabas, Esquire 240187 Vivek Srivastava, Esquire Jay B. Jones, Esquire Peter J. Mulcahy, Esquire Andrew L. Spivack, Esquire Jaime McGuinness, Esquire Chrisovalante P. Fliakos, Esquire Joshua I. Goldman, Esquire Courtenay R. Dunn, Esquire Andrew C. Bramblett, Esquire Enclosure 240187 ? o H w _ C; A W N o ? ? v a ? ? w N .... OY ? ?.cg o CL A D c?D !3 a ° ' y GL N hA ? O z J g o ? nz bar O? ca o? It wy y eb N p lD y a ? ?i r Vii o v' ? G fb Q Ro rlr b ° A ?' 00 O pA ? ? Q v A ? V1 A x ? "? O O aUe ?' ir 17 ira w', o??a ^o ? c o io O y'rt F ? 010 ? OC U ? ? A o ? ? ` 0 g??y 1970 ANNE W Ile 00 v y ? = „ y PRNEY BON WS 02 1M $ 01.26° 0004277256 OCT07 2010 R 4 MAILED FROM ZIP CODE 19 10 3 y o Q. U 5' ? ? o n A ?? gw VERIFICATION I hereby state that I am the attorney for Plaintiff in this action, that I am authorized to make this verification, and that the statements made in the foregoing Motion to Reassess Damages are true and correct to the best of my knowledge, information and belief. The undersigned understands that this statement herein is made subject to the sworn penalties of 18 Pa.C.S. §4904 relating to the unsworn falsification of authorities. Phelan Halli chmieg, LLP DATE: 1-0 By: Lawrence T. Phelan, Esq., Id. No. 32227 ? Francis S. Hallinan, Esq., Id. No. 62695 ? Daniel G. Schmieg, Esq., Id. No. 62205 ? Michele M. Bradford, Esq., Id. No. 69849 ? Judith T. Romano, Esq., Id. No. 58745 ? Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua 1. Goldman, Esq., Id. No. 205047 ? Courtenay R. Dunn, Esq., Id. No. 206779 ? Andrew C. Bramblett, Esq., Id. No. 208375 &-A.U son F. Wells, Esq., Id. No. 309519 ATTORNEY FOR PLAINTIFF 240187 Phelan Hallinan & Schmieg, LLP By: Lawrence T. Phelan, Esq., Id. No. 32227 ATTORNEY FOR PLAINTIFF Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter .l. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 Allison F. Wells, Esq., Id. No. 309519 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 SOVEREIGN BANK Court of Common Pleas Plaintiff : Civil Division V. CUMBERLAND County KEITH D. BREAM LAURIE J. BREAM No.: 10-3801 CIVIL TERM Defendants CERTIFICATION OF SERVICE 240187 I hereby certify that true and correct copies of Plaintiffs Motion to Reassess Damages, and Brief in Support thereof, were sent to the following individuals on the date indicated below. KEITH D. BREAM LAURIE J. BREAM 514 SCHOOL AVENUE CARLISLE, PA 17013-3832 DATE: ( By ZR5No,2227 ? Francis S. Hallinan, Esq., Id. No. 62695 ? Daniel G. Schmieg, Esq., Id. No. 62205 ? Michele M. Bradford, Esq., Id. No. 69849 ? Judith T. Romano, Esq., Id. No. 58745 ? Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua I. Goldman, Esq., Id. No. 205047 ? Courtenay R. Dunn, Esq., Id. No. 206779 ? Andrew C. Bramblett, Esq., Id. No. 208375 ison F. Wells, Esq., Id. No. 309519 ATTORNEY FOR PLAINTIFF 240187 SOVEREIGN BANK, PLAINTIFF V. KEITH D. BREAM, LAURIE J. BREAM, DEFENDANTS IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 10-3801 CIVIL ORDER OF COURT AND NOW, this 6`h day of December, 2010, upon consideration of the Plaintiff's Motion to Reassess Damages, IT IS HEREBY ORDERED AND DIRECTED that: 1. A Rule is issued upon the Defendants to show cause why the relief requested should not be granted; 2. The Defendant will file an answer on or before December 27, 2010; 3. If no answer to the Rule to Show cause is filed by the required date, the relief requested by Petitioner shall be granted upon the Court's receipt of a Motion requesting Rule be made Absolute. If the Defendants file an answer to this Rule to Show Cause, the Court will determine if further Order or hearing is necessary. 4. The Prothonotary is directed to forward said Answer to this Court. By the Court, Allison F. Wells, Esquire Attorney for Plaintiff eith D. Bream Laurie J. Bream Defendants bas - ?* lik 1? M. L. Ebert, Jr., J. c f X7Q D a C) j E- :Z c-5 )> e -a- p r" i cn b IF THEL? FILED-OFFICE 2010 DEC IS AM ID: 22 CUMBERLAND COUNTY PENNSYLVANIA Phelan Hallinan & Schmieg, LLP By: Lawrence T. Phelan, Esq., Id. No. 32227 Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 Allison F. Wells, Esq., Id. No. 309519 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 SOVEREIGN BANK Plaintiff ATTORNEY FOR PLAINTIFF Court of Common Pleas Civil Division V. KEITH D. BREAM LAURIE J. BREAM Defendants CUMBERLAND County No.: 10-3801 CIVIL TERM CERTIFICATE OF SERVICE 240187 I I hereby certify that a true and correct copy of Plaintiff's Praecipe to withdraw its Motion to Reassess Damages was served upon the following interested parties on the date indicated below. KEITH D. BREAM LAURIE J. BREAM 514 SCHOOL AVENUE CARLISLE, PA 17013-3832 Phelan Hallinan & Schmieg, LLP DATE: By: T ? Lawrence T. Ph an q., Id. No. 32227 ? Francis S. Hallinan, Esq., Id. No. 62695 ? Daniel G. Schmieg, Esq., Id. No. 62205 ? Michele M. Bradford, Esq., Id. No. 69849 ? J dith T. Romano, Esq., Id. No. 58745 [/] Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua I. Goldman, Esq., Id. No. 205047 ? Courtenay R. Dunn, Esq., Id. No. 206779 ? Andrew C. Bramblett, Esq., Id. No. 208375 ? Allison F. 'Wells, Esq., Id. No. 309519 ATTORNEY FOR PLAINTIFF 240187 fiw T17 E ?f ROTHONLJ -J'AR' 2010 DEC 15 AM 10: 22 CUMBERLAND COUNTY PENNSYLVANIA, Phelan Hallinan & Schmieg, LLP By: Lawrence T. Phelan, Esq., Id. No. 32227 ATTORNEY FOR PLAINTIFF Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 Allison F. Wells, Esq., Id. No. 309519 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 SOVEREIGN BANK Plaintiff Court of Common Pleas Civil Division V. CUMBERLAND County KEITH D. BREAM : LAURIE J. BREAM No.: 10-3801 CIVIL TERM Defendants PRAECIPE TO WITHDRAW MOTION TO REASSESS 240187 TO THE PROTHONOTARY: Plaintiff hereby withdraws its Motion to Reassess Damages, filed on December 2, 2010 in the above referenced action. Phelan Hallinan &: Schmieg, LLP DATE: Z By: ? Lawrence T. Ph sq., Id. No. 32227 ? Francis S. Hallinan, Esq., Id. No. 62695 ? Daniel G. Schmieg, Esq., Id. No. 62205 ? Michele M. Bradford, Esq., Id. No. 69849 ? udith T. Romano, Esq., Id. No. 58745 1/1 Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua I. Goldman, Esq., Id. No. 205047 ? Courtenay R. Dunn, Esq., Id. No. 206779 ? Andrew C. Bramblett, Esq., Id. No. 208375 ? Allison F. Wells, Esq., Id. No. 309519 ATTORNEY FOR PLAINTIFF 240187