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Home My WebLink About01-1237 MARK J. UDREN & ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 The Bank of New York, as Trustee under the Pooling and and Servicing Agreement dated as of August 31, 1997, Series 1997-C One Old Country Road, Suite 429 Carle Place, NY 11514 Plaintiff v. Tawney Lee Mutterspaugh Martha K. Mutterspaugh 1032 Green Spring Road Newville, PA 17241 Defendant(s) ATTORNEY FOR PLAINTIFF . COURT OF COMMON PLEAS : CIVIL DIVISION : Cumberland County : NO. 01 - J~31 G()LL'-r~ 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 OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYERS REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3166 or 800-990-9108 AV~ Le han 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 0 en persona 0 con un abogado y entregar a la corte en forma escrita sus defensas 0 sus objeciones alas 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 previa aviso 0 notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero 0 sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO o SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONnE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association. 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3166 or 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 fll'm 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. LAW OFFICES OF MARK J. UDREN Isl Mark J. Udren, Esquire 1040 N. Kings Highway, Suite 500 Cherry Hill, NJ 08034 (856) 482-6900 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: TMS Mortgage Inc. dba The Money Store Assignments of Record to: The Bank of New York, as Trustee under the pooling and Servicing Agreement dated as of August 31, 1997, Series 1997-C Recording Date: LODGED FOR RECORDING 2. Defendant(s) is the individual designated as such on the caption on a preceding page, whose last 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 (g). The information regarding the Mortgage being foreclosed is as follows: MORTGAGED PREMISES: 1032 Green Spring Road MUNICIPALITY/TOWNSHIP/BOROUGH: Newton Township COUNTY: Cumberland DATE EXECUTED: 8/4/97 DATE RECORDED: 8/8/97 BOOK: 1398 PAGE: 420 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 Note as follows: (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. 6. The following amounts are due on the said Mortgage as of 1/23/01: Principal of debt due and unpaid Interest at 11.25% from 9/15/00 to 1/23/01 (the per diem interest accruing on this debt is $28.05 and that sum should be added each day after 1/23/01) $91,016.35 Title Report 3,674.55 250.00 Court Costs (anticipated, excluding Sheriff's Sale costs) 280.00 Escrow Overdraft/(Balance) (The monthly escrow on this account is $0.00 and that sum should be added on the first of each month after 1/23/01) 0.00 Late Charges (monthly late charge of $44.82 should be added on the fifteenth of each month after 1/23/01) 134.46 Attorneys Fees (anticipated and actual to 5% of principal) TOTAL 4,550.82 $99,906.18 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. not been notified in a timely manner of Defendant(s) eligibility. 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 $99,906.18 plus interest, costs and attorneys fees as more fully set forth in the Complaint, and for foreclosure and sale of the Mortgaged premises. Ifr) Mark J. Udren, ESQUIRE MARK J. UDREN & ASSOCIATES Attorney for Plaintiff Attorney I.D. No. 04302 j ALL THAT CERTAIN TRACT OR PARCEL OF LAND SITUATE IN NORTH NEWTON TOWNSHIP, CUMBERLAND COUNTY, PENNSYLVANIA, BEING LOT NO 1 ON SUBDIVISION PLAN OF ROBERT MUTTERSPAUGH, SAID PLAN BEING RECORDED IN THE OFFICE OF RECORDER OF DEEDS, OF CUMBERLAND COUNTY, PENNSYLVANIA IN PLAN BOOK , PAGE MORE FULLY BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT. BEGINNING AT A RAILROAD SPIKE IN THE CENTER LINE OF PA. ROUTE 641, AT CORNER OF OTHER LANDS NOW OR FORMERLY OF ROBERT MUTTERSPAUGH; THENCE BY SAID LANDS SOUTH 26 DEGREES, 56 MINUTES, 53 SECONDS BAST, 594.45 FEET, TO AN IRON PIN IN LINE OF LANDS NOW OR FORMERLY OF JOHN W. NOLT; THENCE BY SAID LAND OF NOLT, SOUTH 42 DEGREES, 56 MINUTES, 37 SECONDS WEST, 147.91 FEET, TO AN IRON PIN, AT CORNER OF LANDS NOW OR FORMERLY OF EDWARD A. KELLEY; THENCE BY SAID LANDS OF KELLEY, NORTH 27 DEGREES, 43 MINUTES, 52 SECONDS WEST, 676.98 FEET, TO A RAILROAD SPIKE IN THE CENTER OF PA. ROUTE 641; THENCE BY THE CENTERLINE OF SAID ROAD, NORTH 75 DEGREES, 05 MINUTES, 53 SECONDS BAST, 151.48 FEET, TO A RAILROAD SPIKE, THE PLACE OF BEGINNING. CONTAINING 2.0965 ACRES PURSUANT TO SAID SUBDIVISION. TOGETHER WITH AN BASEMENT FOR A SEWAGE DISPOSAL SYSTEM DESCRIBED AS FOLLOWS. BEGINNING AT A POINT ON LINE OF LANDS NOW OR FORMERLY OF EDWARD A. KELLEY; THENCE SOUTH 27 DEGREES, 43 MINUTES, 52 SECONDS BAST, 22.89 FEET, THENCE THE FOLLOWING COURSES AND DISTANCES; SOUTH 33 DEGREES,05 MINUTES, 04 SECONDS WEST,132.97 FEET; SOUTH 81 DEGREES, 07 MINUTES, 10 SECONDS BAST, 32.39 FEET; SOUTH 08 DEGREES, 52 MINUTES, 50SECONDS WEST, 100.00 FEET; NORTH 81 DEGREES, 07 MINUTES, 10 SECONDS WEST, 120.00 FEET,; NORTH 08 DEGREES, 52 MINUTES, 50 SECONDS BAST, 100.00 FEET; SOUTH 81 DEGREES, 07 MINUTES 10 SECONDS BAST, 65.68 FEET; NORTH 33 DEGREBS, 05 MINUTES, 04 SECONDS BAST, 153.10 FEET, TO A POINT THE PLACE OF BEGINNING. SAID BASEMENT TO RUN WITH THE LAND AND TO EXTEND TO THE HEIRS, EXECUTORS ADMINISTRATORS AND ASSIGNS OF THE GRANTEES HEREIN AND TO BE USED FOR THE CONSTRUCTION AND MAINTENANCE AND OPERATION OF AN ON LOT SEWAGE SYSTEM TO SERVE THB LANDS HERBBY CONVEYBD. DF985 fjgmt;g~ MARTHA K MUTTERSPAUGH 1032 GREEN SPRING RD NEWVILLE, PA 17241 December 18, 2000NBRC 0081011462 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (REMAP) may be able to help to save your home. This notice explains how the program works. To see if HEMAP can help you, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the counseling agency. The name, address, and phone number of Consumer Credit Counseling Agencies serving your county are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397 (persons with impaired hearing can call 717-780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer, LA NOTlFICAION EN ADJUNTO ES DE SUMA IMPORT ANCIA, PUES AFECT A SU DERECHO A CONT1NUAR VIVlENDO EN SU CASA. Sl NO COMPRENDE EL CONTENIDO DE ESTA NOTlFICION OBTENGA UNA TRADUCClON IMMEDlA TAMENTE LLAMANDO EST A AGENClA (pENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER. ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A REDlMIR SU HlPOTECA. HOMEOWNERS NAME(S):MARTHA K MUTTERSPAUGH PROPERTY ADDRESS:1032 GREEN SPRING RD NEWVILLE, PA 17241 LOAN ACCOUNT NUMBER:0081011462 E.v",r"---'~T A JC\b "".....JJ DF985 Hgm~" TA~YLEEMmTTERSPAUGH 1032 GREEN SPRING RD NEWVILLE, PA 17241 December 18, 2000NBRC 0081011462 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This notice explains how the program works. To see if HEMAP can help you, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the counseling agency. The narne, address, and phone number of Consumer Credit Counseling Agencies serving your county are listed at the end of this Notice. If you have any questions, you may caU the Pennsylvania Housing Finance Agency toU free at 1-800-342-2397 (persons with impaired hearing can call 717-780-1869). This Notice contains important legal information. Uyou have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help YOIl find a lawyer. LA NOTIFlCAlON EN ADJUNTO ES DE SUMA IMPORT ANCIA, PUES AFECT A SU DERECHO A CONTINUAR VlVlENDO EN SU CASA. Sl NO COMPRENDE EL CONTENIDO DE ESTA NOTlFlCION OBTENGA UNA TRADUCClON lMMEDlA T AMENTE LLAMANDO EST A AGENClA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENClONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PREST AMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A REDlMlR SU HlPOTECA. HOMEOWNERS NAME(S):TAWNEY LEE MUTTERSPAUGH PROPERTY ADDRESS:I032 GREEN SPRING RD NEWVILLE, PA 17241 LOAN ACCOUNT NUMBER:0081011462 CURRENT LENDER/SERVlCER:The Money Store IMPORTANT INFORMATION ON THE BACK OF THIS PAGE HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISION OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT") YOU MAY BE ELIGffiLE FOR EMERGENCY MORTGAGE ASSISTANCE: . IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, . YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND . IF YOU MEET OTHER ELIGffiILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE- Under the Act, you are entitled to a temporary stay of the foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face~to-face" meeting with one of the consumer counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT THIRTY (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT" EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES- If you attend a face-to-face meeting with one of the consumer credit counseling agencies listed at the end of this Notice, the lender may NOT take further action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer counseling agencies for the county in which your property is located are set forth at the end of this Notice. It is only necessary to schedule one face-ta-face meeting. You should advise this lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default). If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Fund. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a completed application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face- to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing fmance Agency has sixty (60) days to make a decision after it receives you application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF TIDS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed baukruptcy you cau still apply for Emergency Mortgage Assistance.) IMPORTANT INFORMATION CONTINUED ON NEXT PAGE HOW TO CURE YOUR MORTGAGE DEFAULT (Brin2lt np to date). NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at 1032 GREEN SPRING RDNEWVlLLE, PA 17241 NEWVILLEPA 17241 IS SERIOUSLY IN DEFAULT because: A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: a) Number of Payments Delinquent:3 b) Delinquent Amount Due:$2,689.4l c) Late Charges:$ 89.64 d) Recoverable Corporate Advances$ 1,829.14 e) Other Charges and Advances$ 0.0 f) Less funds in Suspense:$ 0.00 e) Total amount required as of (due date)S 4,608.19 B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION: (Do not use if not applicable) HOW TO CURE THE DEFAULT - You may cure this default within THIRTY (30) days from the date of this letter BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS S 4,608.19) PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES (and other charges) WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cashier:s cbeck, certified check, or money order made payable to: Regular Mail The Money Store P. O. Box 96053 Charlotte, N.C 28296-0053 Overnight FUNB Lockbox 96053 1525 West W.T. Harris Blvd. Charlotte, NC 28262-00 You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this letter: (Do not use if not applicable.) IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) days of this letter date, the lender intends to exercise its ri~hts to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment ofthe total amount past due is not made within THIRTY (30) DAYS OF THE LEITER DATE, The Money Store also intends to instruct their attorneys to start a legal action to foreclose upon your mortgaRed property. IF THE MORTGAGE IS FORECLOSED UPON-. The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before they begin legal proceedings against you, you will still be required to pay the reasonable attorney's fees actually incurred up to $50.00. However. if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred even if they are over $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THffiTY (30) DAY period, you will not he required to pay attorneys' fees. - OTHER LENDER REMEDIES- The lender may also sue you personally for the unpaid principal balance, and all other sums due under the Mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE-If you have not cured the default within the THIRTY (30) day period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sherif(s Sale. Yau may do so by paying the total amount then past due plus any late charges, charges then due, reasonable attorneys' fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your defiiUii in the manner set forth in this Notice will restore your mortgage to the same position as if you had never defaulted. IMPORTANT INFORMATION ON THE BACK OF THIS PAGE EARLIEST POSSIBLE SHERIFF'S SALE DA TE- It is estimated that the earliest date that such Sheriffs sale could be held is would be approximately five (5) months from the date oftbis Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER BY TELEPHONE OR MAIL: Name of Lender:The Money Store Address: 1525 West W.T. Harris Blvd Charlotte, NC 28262-0053 Telephone Number: Fax Number: FUNB Lockbox 96053, 800 795-5125 Ext. 10302 916-617-0655 EFFECT OF SHERIFF'S SALE- You should realize that a Sheriffs sale will end your ownership of the mortgaged property and your right to occupy it. If you connnue to live in the property after the sheritrs sale, a lawsuit to remove you and your fumishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE- You may not sell or transfer your home to a buyer or transferee who will assume the mortgage debt. YOU MAY ALSO HAVE THE RIGHT . TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR BORROWER MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. . TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. . TO HA VB THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEF AUL T HAD OCCURRED, IF YOU CURE THE DEF AUL T. (HOWEVER, YOU DO NOT HAVE THE RIGHT TO CURE YOUR DEF AUL TS ANY MORE THAN THREE TIMES IN A CALENDAR YEAR). . . TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. . TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HA VB TO SUCH ACTION BY THE LENDER. . TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. THE CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY IS ATTACHED TO THIS LETTER Sincerely, The Money Store (, Breach LeUer Certified Mailer Number Informalioo LoAll NUtDb~r: 0081011462 Date of Letter: 12/18/2000 Borrower Name(.): MARTHA K MUTTERS PAUGH Borrower Address:: 1032 GREEN SPRING RD NEWVILLE, ... PA.. J7241 Certitied Maile. Nwnber: ~ -- ----- 71048144914001169945 (~ Breach Letter Certified Mailer Number Information Loan Number: 0081011462 nate of Letten 12/18/2000 Borrower Name(s): TAWNEY LEE MUTTERS PAUGH Borrower Address: 1032 GREEN SPRING RD NEWVILLE, PA 17241 ... Certified Mailer Nwnber: " ._.~.__v__~ .----/ ---.--- ----~--~- 71048144914001169921 VER.l-FICATION 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 belief and the source of his information is public records and reports of Plaintiff's agents. The undersigned understands that this statement herein is made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. ~1 Mark J. Udren, ESQUIRE MARK J. UDREN & ASSOCIATES f>,r ?;:; g!::: -sq ~ !l ~ h ~ C\~ () ~~ ~ "..; I 4 CY ~ ~ ~ ~ $1t e SHERIFF'S RETURN - REGULAR CASE NO: 2001-01237 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND BANK OF NEW YORK THE VS MUTTERS PAUGH TAWNEY LEE ET AL DAWN L. KELL , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, was served upon says, the within COMPLAINT - MORT FORE MUTTERS PAUGH TAWNEE LEE the DEFENDANT , at 0014:39 HOURS, on the 9th day of March 2001 at 1032 GREEN SPRING ROAD NEWVILLE, FA 17241 MARTHA MUTTERS PAUGH by handing to a true and attested copy of COMPLAINT - MORT FORE together with NOTICE and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 9.92 .00 10.00 .00 37.92 Sworn and Subscribed to before me this ;J 1"-!::. day of ~ ~I A.D. (~7 .O~~ ~othonotary So Answers: ~~~-t:~" R. Thomas Kline 03(12(2001 MARK J. UDREN BY:~~~. ~ Deputy Sheriff SHERIFF'S RETURN - REGULAR CASE NO: 2001-01237 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND BANK OF NEW YORK THE VS MUTTERS PAUGH TAWNEY LEE ET AL DAWN KELL Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon MUTTERS PAUGH MARTHA K the DEFENDANT , at 0014:39 HOURS, on the 9th day of March 2001 at 1032 GREEN SPRING RD NEWVILLE, PA 17241 MARTHA MUTTERS PAUGH by handing to a true and attested copy of COMPLAINT - MORT FORE together with NOTICE and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 6.00 .00 .00 10.00 .00 16.00 Sworn and Subscribed to before me this <L :11~ day of ~ ~( A.D. el 0 llwf.<..<.' W.uJ:< '~onotary ~ I-/ So Answers: ~~~, R. Thomas Kline 03/12/2001 MARK J. UDREN By: r\ ~ \ f '-\-J<UU"1'\ 'Pi. ~ Deputy Sheriff THE BANK OF NEW YORK, as Trustee : IN THE COURT OF COMMON PLEAS OF under the Pooling and Servicing Agreement : CUMBERLAND COUNTY, PENNSYLVANIA dated as of August 31, 1997, Series 1997-C, : Plaintiff : CIVIL ACTION - LAW v. : NO. 2001-1237 CIVIL TERM TAWNEY LEE MUTTERSPAUGH and MARTHA K. MUTTERSP AUGH, : (IN MORTGAGE FORECLOSURE) Defendants NOTICE TO PLEAD TO: The Bank of New York c/o Mark J. Udren, Esquire 1040 North Kings Highway, #500 Cherry Hill, NJ 08034 You are hereby notified to plead to the New Matter and Counterclaim raised herein within twenty (20) days of service of the attached pleading upon you, or judgment may be entered against you. Esq. Attorney for Deli ants 407 North Front t. First Floor Harrisburg, PAl 0 I (717) 238-3686 Supreme Court J.D. # 53729 THE BANK OF NEW YORK, as Trustee : IN THE COURT OF COMMON PLEAS OF under the Pooling and Servicing Agreement : CUMBERLAND COUNTY, PENNSYLVANIA dated as of August 31,1997, Series 1997-C, : Plaintiff : CIVIL ACTION - LAW v. : NO. 2001-1237 CIVIL TERM TAWNEY LEE MUTTERSP AUGH and MARTHA K. MUTTERSPAUGH, : (IN MORTGAGE FORECLOSURE) Defendants DEFENDANTS' ANSWER WITH NEW MATTER 1. Admitted in part and denied in part. Plaintiff is designated on the cover page of the complaint. As to the alleged fuets concerning the assignment, Defendants, after reasonable investigation, lack infonnation necessary to determine the truthfulness of that portion of the averment. If material, strict proof thereof is demanded. 2. Admitted. 3. Admitted in part and denied in part. It is admitted that Defendants entered into the mortgage agreement. As to the recording infunnation for the mortgage, Defendants, after reasonable investigation, lack infonnation necessary to determine the truthfulness of that averment. Ifmaterial, strict proof thereof is demanded. 4. Denied on several grounds. First, the averment as stated is a legal conclusion to which no response is required. Secondly, to the extent that a fuetual response is required, the averment is denied in that, although Defendants missed payments on the mortgage, they and Plaintiff were in a forbearance agreement until roughly May 12, 2002, at which time Plaintiff arbitrarily and improperly breached the forbearance agreement, as set forth in more detail in new matter below. 5. Denied as stated. Defendants in fuet were paying on a forbearance agreement, including a payment made on May 1 1,2002, and the forbearance agreement was clearing the arrearage. On or about May 12, 2002, Plaintiff improperly and arbitrarily breached the forbearance agreement, not allowing Defendants to perform under it at this time. 6. Denied. This averment is a conclusion of law to which no response is required. 7. Denied as stated. This averment is a conclusion of law to which no response is required. Further, a portion of the averment appears to be missing and the averment, as stated, is virtually nonsensical. 8. Denied. The Defendants do not recall receiving such notices and, in any event, the exhibits attached to the complaint do not substantiate that such notices were sent; the exhibits appear to be merely some sort ofintemal document generated by Plaintiff. WHEREFORE, Defendants request this Honorable Court to dismiss Plaintifrs complaint, tax: the costs of this action against Plaintiff, including a reasonable attorney's fee, and provide any other relief this Court deems appropriate. NEW MATTER 1. On or about March 28,2001, Plaintiff and Defendants entered into forbearance agreement with respect to the mortgage that is the subject of this action. A copy of the forbearance agreement is attached hereto, marked ExIu'bit "A" and incorporated herein by reference. 2. From March 28,2001 (including a down payment of$1,800.00) through and including May 1 1, 2002, Defendants substantially complied with the terms of the forbearance agreement including, in at least one instance, making a double payment. 3. Defendants, at Plaintifr s insistence, sent all payments by wire transfer, and Defendants have 2 all receipts to substantiate the wire transfers. 4. On or about May 10, 2002, an agent of the Plaintifrs (understood by the Defendants to be with a company known as "HomeEq") infurmed Defendants that Plaintiff would accept no further payments pursuant to the forbearance agreement. 5. Nonetheless, Defendants did effect a wire transfer of the regular payment pursuant to the forbearance agreement on May 11, 2002, and Plaintiff has retained that payment. 6. Subsequently, on or about May 18, 2002, Defendants received a notice pursuant to Pa.R.Civ.P. 237.1 (the notice dated May 15,2002), indicating that Plaintiffintended to take judgment on the captioned action. 7. Plaintiff has no grounds to take judgment on the captioned action in that Defendants have substantially complied with all of the terms ofthe forbearance agreement, and continued to comply with their wire transfer to Plaintiff on May 11, 2002, and Plaintiffhas not returned that wire transfer. 8. To the extent that Plaintiff attempts to justifY continuing this action because of an alleged breach by Defendants of the forbearance agreement, (judging from comments from one ofPlaintifrs many agents, the alleged default in the forbearance agreement is for the April, 2002 payment being late), Plaintiff either has waived that contention or is estopped from asserting it because, from time to time, Plaintiff accepted payments on the furbearance agreement that were made after the thirtieth day of the applicable month, and have in fuet lIccepted the payment made on May 11,2002 without returning same to the Defendants. 9. Inasmuch as Defendants have substantially complied with the forbearance agreement, Plaintiff, by the terms of the agreement itselt is not permitted to accelerate this action to judgment and is 3 acting improperly in attempting to do so; as such, Defendants believe that either an entrY of stay or judgment in their favor is appropriate and necessary. WHEREFORE, DefendllUts request this Honorable Court to enter judgment in their favor and against the Plaintiff, to dismiss the Plaintitrs complaint, to tax: the costs of this action against Plaintiff (including a reasonable attorney's fee), or, alternatively, to enter a stay in this action, lIUd to provide any other relief this Court deems appropriate. _~ 2!>,7-c90 ~ Date 0 i2 ~ Anthony T. Me th, Esq. Attorney for D fi dants 407 North Fro ., First Floor Harrisburg, PA 17101 (717) 238-3686 Supreme Court I.D. # 53729 4 Ilar-lG-OI 01 :lap> From-THE hlOIIEY STORE +918 H7S P.0lf05 H16 DEFAULT FORBEARANCR A9REEMLNT THIS AGREEMENT made as oitb. 26 day of Marob, 2001 by and b',twoe! TIle MaDey Store ("Lender"), and TAWNEY MUTTER-SPAUGH and MARTHA MUTTERS "AVGH collectively known as HBoJTower". A. Borrowllr is indebted to Lender pursuant to a c=in note and dced of ttu.--rlmortgage made and Tbeloan number is &1011462 :So The Borrower has failed and omitted to make regular mOrlthly payments. the loan is nOw in default, and The Money Store has instituted foreclosure, C. The Bortower has teqlle5led lhat Lender enter into this a~eem<"JlIIO hold lbe foreclosure in abeyance, D, The foreclosure instituted by Lender will not be canceled until the lOll" is brought cutrent, AGREEMENT: The lotal amount needed to bring the loan current Ultough and including :he 03115101 payment is I. the following sum: e Paymenl($) due@$895.47 !.ale C/w9os Reco....(.Oc. Corpomo Advarn;l4$. Cutstandlftg 'cteclMure F9" $5.378.82 $.224,'0 $1,846.64 $'.500,00 ,,- 7' y 7 37'?;z~ (:<r/~? Tor..) $8.9<t9.5CJ Beginning on 04/30/01, Borrower shall start mllking forbeatlU1ce paymerots. In addirion to !heir 2. tegul'ltly scheduled monthly "a)'moms, Borrower shall pay the above arr~ars as follows: $1800 down pII,)'m~ due by MIII'Cl\ 28. 2001 " $397.2 + regu'lt poymeat due by ""'rll 30. 200' ,,/ $3~7.2 + regul",pa)'1llOnr due by May30. 2001 ,,,..- $3001.2... regular payrnentdue by June 30, 2001""'" $3i7.2... regular peyment due by July 30, ;Z001 /' $397,2 + ragull' parman! duo by AugliO! 30. 2001/ 5397.2... regular paym."t due b1 S8ptamtl.r 30. 2001 $397,2. reglllar paym6nr Clue by OdObElf ,:)0, 2001 $397,2'" AlQul.r payment due.by November 30, 4:()D1 $397.2... regular payment due by December 30.2001 $397.2 ... reguUir payment due by J.nuary 30, 2002 $397.2 + f'Clgular payment due by Fdlbrulit')' 28, 200:2 $397.2'" r~u"r p.il:ymenr due by Mare" 30, 2002 $397.2 . ~ul.r payment duo by April 30. 2002 $397.2 + ~l.Il.r p,Jyl1'lGnt due by Ma)' 30, 4002 $397.2.. ,.gUll' p.;ymenl due by June 3Q, 2002 $391.2 ... raQ<<.I1ar paytT'l.1'lt due by JUly 30. ;:002 $397.2 1" regular l'a)'n'lltn\ 4l,te by AugUS.t :$0, aQO~ 5397.2 ... regu'~ p5lynlClrn all. by Sapt.mtMlr ~a. 2QOl ( 'it;,) 9 ~3:57 ;AId, / j, ~ 7 tdde. j],~r1 c,'lj f< A ;' (Yl -rC M o/e"( 5 rcl<....e. .. EXHIBIT "A" Mar-26-01 OI:IIp<< Frlltl-rHE WlHEY STORE +lIS r-m P.04/05 HI5 Ver.ull Forbearallce Agreement Paec2 Loan Number: ~I01l462 MUTTERSPAUGH 3. By entering into this agreement, Lender is not d~ontinuing fore,;IO$ure nor is it waiving any riSIlts under lhe nole and deed oflnlSlImorTgage, which sball conI allle in full force and elfecl. It is only holding further forecmore acdon hI abeyance as long as dlC ~wer mak.es an re&\llllrly scheduled payments and arrears p&)'tIlCnts. Nothin8 in this paragraph slall prevenl Lender from mkin, any and aU action necessary 10 ltI$inUlio the stalUS of the fcreclosure action in its presenl state or 10 advance we aClion to prevent lis dismissal. Upon recei?t of~ItlIaSt payment under this agreement and lhe account is current, Lender will then discontinlK; the pending foreclosure. 4. Lender haslhe right 10 post dIe propel't)' for foreclosure, wilhout the necessity of mailing another demand/nolice of intent to aceelerate, and take aU step:; nec.essar;( for foreclosure in the event BOlTllwer deliluks under the tenns of Agreemenl. After the fotbe.l(lltlCe per\Qd has ended, Lender may loreclose if Borrower !IllS failed 10 either bring the loan current or f"l)' off dIe Joan. If BorroWI:I' fully complies with tbe tenns, tbe indebtedness is cons.Jered kl be reinsUlted and Borrower waives the statute of limitationS associated with the acceleratinn of the Joan. S. In the event any of the above payments are not rectived and post<;d by tl" dale they are d1le, BOlTOwer sball be in default ullder this agreement and the Lende," shall ptoceed with foreclosw". 6. Additional foreclosure fees for property inspections and brokers price orinions could be incurred during the course of this repayment plan. The bOtTower is respomibk: for paying these ourslaJld~ amounts. 7. Borrower is responsible for immediately paying allY and all outstanding ~Il'lounts, claims or liens against the propel'!)' which are or may become a lien superiot to the IIIterest of the Lender during the term of this a&TCemem. If the Lender has already paid any dellnqllCdt amOllntS, claims or liens they will be included in Ibis agreement or you will be required to bring all such amowns cUlTem. If the Lender Is required 10 pay such amounts this agreemenl w~l be deemed in defuult. If the Lender r~eives notice of any pending sale ",suking from such all'J)\lnts, claims or liens dlltilg Ihe term of this agreement. the agreement will be deemed in deta ,k and the Lender will proceed with foreclosure withOut fUl1her lIOlice to you. g. All money paid to Lender duru,gthe teml of this agreement is nc.t retlln4able. It shall be fll'St applic:d to the above noted Total Arrears Due, then to current monthly po;.yments. The .pecif>:: manner in wbj;h any fUllds are applied to the accounr sball be at l.erlder, sole discretion. TI1is may require that at oen:ain Unos funds may be held in suspense. Should Borrower delaulr under this agreement, any money held in suspense wnl be applied agllinsl the Gl.ltStanding arrearage, for purposes of c.kuJating the amounl due at the time of foreclosure sale. 9. After aU of the above payments bave been made and the loan ;s rlt) !.mger delinquent, Borrower shall continue to make the regularly scheduled monrhly paymenl~ in aCc.:1rdance with Ibe terms of dIe note and deed of trusthnortgage. lO. All money paid to Lender durinS ,he term ofmis agreemenl mUst be in certifled f~nds (i.e. - money order, bank cashier cbeck, etc.). II. It is possible that you may conlinue 10 receive collection (crtelS regardifl€; the delinquent StatU$ of your accounl. Provided you follow rbe terms in this agreemenr and make all payments as scheduled, you may dis~gard t1wse letters. lIar-2i-OJ 01:rl" Fr..-THE I<<INEY STORE ,918 T-m P.DS/DS F-916 DefaulT Forbearance Agreement Page J Loan Nllmb....: 81011462 MVTIERSPAUOH II. If aT any time during the Term of This agreement the Borrower f1le:> a Chilpwr 7 or Chapter 13 Bankruptcy, The Money STore will consider Tbe Default Forbearnnce A:r,reement null and void. THE MONEY STORE Aaron Kin~ Date BORROWER ,,~~Am.f'5 -~8'-o/ TAWNtlY"M~~I'A!;:7" Date Yf/~1Jtj;J9J9 .j -:E-01 MARTHA MU1TERSPAUGH Dale THE MONEY STORE REINSTATEMENT Loan #; 81011462 Loan type: Simple Interest Borrower(sTawney &Martha Mutterspaugh Contact; Aaron King Loss Mitigation Officer 877-810-0660 4111 S Darlington. Suite 800 Tulsa, Oklahoma 74135 Property Address: 1032 Green Spring Rd. Newville. PA 17241 The following Reinstatement Amount has been calculated through: Principal Outstanding: Interest Outstanding: Escrow Advances: Corporate Advances: Brokers Price Opinion Late Charges: Other Charges: NSF fee Foreclosure/Bankruptcy Attorney Fees: TMS Foreclosure Expenses: TOTAL REINSTATEMENT DUE: 4/25/01 $ 3,585.88 $ $ $ 1.846.64 $ 261.86 $ $ 1,500.00 $ $ 7,194.38 These figures are good through 04/25/01 and are subject to final verification by TMS. After that date you will be required to contact myself for an updated Reinstatement. The Money Store Attn. Cash Processing 4837 Watt Ave. North Highlands, CA 95660 TMS reserves the right to continue with any action it may be pursuing until such time that agreed reinstatement funds are received. This letter is not a waiver of any rights in the note and mortgage/deed of trust. All funds should be forwarded to the following: '5-~..,~, ".-'- .....,l,.. --"~'~-''''''--'-~'-' '''~-'-'''' --.... VERIFICATION We, Tawney L. Mutterspaugh and Martha K. Mutterspaugh, Defendants in the foregoing action, verifY that the filets set forth in the attached document are true lIUd correct to the best of our knowledge, infonnation and belief. We so state subject to the penalties of 18 Pa. C. S. ~4904 (relating to unsworn falsification to authorities). MAY 23, 2002 Date ~ -/n$#($.'-'o/l: T~L~~e~pauth /' MAY 23, 2002 Date moaM-l-t1L,.~~ Martha K. MuttenpauEh I THE BANK OF NEW YORK, as Trustee : IN THE COURT OF COMMON PLEAS OF under the Pooling and Servicing Agreement : CUMBERLAND COUNTY, PENNSYL V ANlA dated as of August 31, 1997, Series 1997-C, : Plaintiff : CIVIL ACTION - LAW v. : NO. 2001-1237 CIVIL TERM TAWNEY LEE MUTTERSPAUGH and MARTHA K. MUTTERSPAUGH, : (IN MORTGAGE FORECLOSURE) Defendants CERTIFICATE OF SERVICE I, Anthony T. McBeth, Esquire, hereby certifY that I have served to persons listed below with the attached document, by first class mail, postage pre-paid, on the date indicated below: Mark J. Udren, Esquire Attorney for Plaintiff 1040 North Kings Highway, #500 Cherry Hill, NJ 08034 ~. l3, /JSi:Dz...-- Date 6 ~~ Anthony T. McB. Esq. Attorney for Defi nl:Iants 407 North Front t, First Floor Harrisburg, PA 1 _01 (717) 238-3686 Supreme Court I.D. # 53729 MARK J. UDREN &: ASSOCIATES BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 1040 N. KINGS HIGHWAY, SUITE 500 CHERRY HILL, NJ 08034 856-482-6900 The Bank of New York, as Trustee under the Pooling and and servicing Agreement dated as of August 31, 1997, Series 1997-C One Old Country Road, Suite 429 Carle Place, NY 11514 Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 01-1237 civil Term v. Tawney Lee Mutterspaugh Martha K. Mutterspaugh 1032 Green Spring Road Newville, PA 17241 Defendant(s) SUGGESTION OF BANKRUPTCY To the Prothonotary: Kindly note on the record that the above Defendants, Tawney L. Mutterspaugh and Martha K. Mutterspaugh have filed Chapter 13 Bankruptcy in the Middle District of Pennsylvania on October 28, 2002, Bankruptcy Case No. 02-05902. , }Zltuli IldrfiVl Mark J. Udren, Esquire MARK J. UDREN & ASSOCIATES Attorney for Plaintiff UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER III WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 The Bank of New York, as Trustee under the Pooling and and Servicing Agreement dated as of August 31, 1997, Series 1997-C One Old Country Road, Suite 429 Carle Place, NY 11514 Plaintiff v. Tawney Lee Mutterspaugh Martha K. Mutterspaugh 1032 Green Spring Road Newville, PA 17241 Defendant(s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 01-1237 Civil Term PRAECIPE FOR JUDGMENT BASED ON COURT ORDER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of the plaintiff and against the Defendant(s), Tawney Lee Mutterspaugh and Martha K. Mutterspaugh pursuant to the Court's Order dated June 23,2004 (in accordance with the Complaint) and for foreclosure and sale of the mortgaged premises, and assess Plaintiff's damages as follows: As set forth in Court Order $133,894.89 TOTAL $133,894.89 I hereby certify that (1) the addresses Defendant are as shown above, and (2) that pursuant to Rule PA.R.C.P. 237 & 237.1. DAMAGES ARE HEREBY ASSESSED AS DATE: (Ju. ~ 11, ';) r.n<<( the Plaintiff and notice is required UDREN Mark J Udren, ESQUIRE Attorney for Plaintiff INa:j~~~ ~.r~~ PRO P~OTHY ~~ 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 ATTORNEY FOR PLAINTIFF The Bank of New York, as Trustee under the Pooling and and Servicing Agreement dated as of August 31, 1997, Series 1997-C One Old Country Road, Suite 429 Carle Place, NY 11514 Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE NO. 01-1237 Civil Term v. Tawney Lee Mutterspaugh Martha K. Mutterspaugh 1032 Green Spring Road Newville, PA 17241 Defendant(s) AFFIDAVIT OF NON-MILITARY SERVICE STATE OF NEW JERSEY SS COUNTY OF CAMDEN THE UNDERSIGNED being duly sworn, deposes and says that the averments herein are based upon investigations made and records maintained by us either as plaintiff or as servicing agent of the Plaintiff herein and that the above Defendant(s) are not in the Military or Naval Service of the United States of America or its Allies as defined in the Soldiers and Sailors Civil Relief Act of 1940, as amended, and that the age and last known residence and employment of each Defendant are as follows: Defendant: Age: Residence: Employment: Defendant: Age: Residence: Employment: Martha K. Mutterspaugh Over 18 As captioned above Unknown Sworn to and subscribed before me this 12th day of AU,gUst, ~ W;~hC . Name: Title: Company: ~-, "Q ATTORNEY FOR PLAINTIFF UDREN LAW OFFICES, P.C. Tawney Lee Mutterspaugh Over 18 As captioned above Unknown CARASIEARS NOTARVPUIUC Of NEW JERSEY CornmlSl/on fXp/Jes 4/16/'J1JJ3 t - (J ~ Q~'l~ +- 0 - tl::JO F <S tIv L) ~ ~cS p:. ~ 12 (- --I:- 1-) ......- " ,- 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 The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of August 31, 1997, Series 1997-C One Old Country Road, Suite 429 Carle Place, NY 11514 Plaintiff v. Tawney Lee Mutterspaugh Martha K. Mutterspaugh 1032 Green Spring Road Newville, PA 17241 Defendant(s) ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE NO. 01-1237 Civil Term TO THE SHERIFF: PRAECIPE FOR WRIT OF EXECUTION Issue Writ of Execution in the above matter: Amount due Interest From 6/24/04 to Date of Sale December 8, 2004 Per diem @$28.05 $133,894.89 4.712.40 (Costs to be added) $ UDREN LAW OFFICES, P.C. to C I ~ g? 11- ~ ,-:::J (" tI'l VJ ,...c:: t ~w ;So +- kr ~ .~ ~ :--- C 8 ~:? l' ( ~ ...... ~ ~ '- I. "<l. en Iv ..Q III Ii' UV '- . . . . . ~ ~ ~ o~ 0 oc,., 0 -..0 0 { C C,'-JO I I ' I :.tJ ::. ~ ~ ::::?F '':::~:~~ '4 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYL VANIA) COUNTY OF CUMBERLAND) NO 01-1237 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due THE BANK OF NEW YORK, AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT DATED AS OF AUGUST 31,1997, SERIES 1997-C, Plaintiff (s) From TAWNEY LEE MUTTERS PAUGH AND MARTHA K. MUTTERSPAUGH, (1) You are directed to levy upon the property of the defendant (sjand 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 himlher that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $133,894.89 L.L. $.50 Interest FROM 6/24/04 TO DATE OF SALE 12/8/04 -PER DIEM @$28.05-$4,712.40 Atty's Corom % Due Prothy $1.00 Atty Paid $125.92 Other Costs Plaintiff Paid Date: AUGUST 17,2004 CURTIS R. LONG (Seal) Prothonot~ p ~ "-..By: LaI2/;. €~ . / (("'/td""U- Deputy REQUESTING PARTY: Name MARK J. DUREN, ESQUIRE Address: UDREN LAW OFFICES, P.C. WOODCRESTCORPORATECENTER 111 WOODCREST ROAD, SUITE 200 CHERRY IDLL, NJ 08003-3620 Attorney for: PLAINTIFF Telephone: 856-669-5400 Supreme Court ID No. 04302 UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOOD CREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of August 31, 1997, Series 1997-C One Old Country Road, Suite 429 Carle Place, NY 11514 COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE Plaintiff v. Tawney Lee Mutterspaugh Martha K. Mutterspaugh 1032 Green Spring Road Newville, PA 17241 NO. 01-1237 Civil Term Defendant(s) C E R T I F I CAT E Mark J. Udren, Esquire, hereby states that he 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 it is: An FHA insured mortgage Non-owner occupied Vacant X Act 91 procedures have been fulfilled. Over 24 months delinquent. This certification is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. \ , \ UDRE .C. Mark . U ren, E UIRE ATTORNEY FOR PLAINTIFF ttDREN 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 ATTORNEY FOR PLAINTIFF The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of August 31, 1997, Series 1997-C One Old Country Road, Suite 429 Carle Place, NY 11514 COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE Plaintiff v. Tawney Lee Mutterspaugh Martha K. Mutterspaugh 1032 Green Spring Road Newville, PA 17241 NO. 01-1237 Civil Term Defendant(s) AFFIDAVIT PURSUANT TO RULE 3129.1 The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of August 31, 1997, Series 1997-C, Plaintiff in the above action, by its attorney, Mark J. Udren, ESQ., sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at: 1032 Green Spring Road, Newville, PA 17241 1. Name and address of Owner(s) or reputed Owner(s) : Name Address Tawney Lee Mutterspaugh 1032 Green Spring Road Newville, PA 17241 Martha K. Mutterspaugh 1032 Green Spring Road Newville, PA 17241 2. Name and address of Defendant(s) in the judgment: Name Address SAME AS # 1 ABOVE 3. Name and address of every judgment creditor whose judgment is a recor, lien on the real property to be sold: Name Address None ... Name record: Name and address of the last recorded holder of every mortgage of Address Plaintiff herein. See Caption above. Address to follow Blazer Consumer Discount Company Citifinancial I , nc. 1 Valley Street, Suite 103 Carl~sle, PA 17013 address of every other person who has any d recor lien on the 5. Name and property: Name Address None ~h Name and address of every other person who has any record interest in e property and whose interest may be affected by the sale: Name Address ~eal Estate Tax Dept. 1 Courthouse Sq., Carlisle, PA 17013 lomestic Relations Section 13 N. Hanover St., Carlisle, PA 17013 ommonwealth of PA, =partment of Revenue Bureau of Compliance, Dept. 280946 Harrisburg, PA 17128-0946 Name and address of every lowledge who has any interest e sale: me other person of whom the plaintiff has in the property which may be affected by Address nants/Occupants 1032 Green Spring Road Newville, PA 17241 hony T. McBeth, Esq. 407 N. Front St. Cameron Mansion Harrisburg, PA 17101 rify that the statements made in this affidavit are true and correct :he best of my personal knowledge or information and belief. I ~stand that false statements herein are made subject to the penalties l Pa.C.S. sec. 4904 relating to unsworn falsificat' to authorities. August 12, 2004 UDREN t\ V::S' Mark J\ ~en, ESQ. Attorney for Plaintiff 4. Name and address of the last recorded holder of every mortgage of record: Name Address Plaintiff herein. See Caption above. Blazer Consumer Discount Company Address to follow Citifinancial, Inc. 1 Valley Street, Suite 103 Carlisle, PA 17013 5. Name and address of every other person who has any record lien on the property: Name Address None 6. 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 Real Estate Tax Dept. 1 Courthouse Sq., Carlisle, PA 17013 Domestic Relations Section 13 N. Hanover St., Carlisle, PA 17013 Commonwealth of PA, Department of Revenue Bureau of Compliance, Dept. 280946 Harrisburg, PA 17128-0946 7. Name and address of every knowledge who has any interest the sale: Name other person of whom the plaintiff has in the property which may be affected by Address Tenants/Occupants 1032 Green Spring Road Newville, PA 17241 Anthony T. McBeth, Esq. 407 N. Front St. Cameron Mansion Harrisburg, PA 17101 I verify that the statements made in this affidavit are to the best of my personal knowledge or information understand that false statements herein are made subject of 18 Pa.C.S. sec. 4904 relating to unsworn falsificat' UDREN true and correct and belief. I to the penalties to authorities. DATED: August 12, 2004 Mark J. U en, ESQ. Attorney for Plaintiff -UOREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER III WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of August 31, 1997, Series 1997-C One Old Country Road, Suite 429 Carle Place, NY 11514 COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE Plaintiff v. Tawney Lee Mutterspaugh Martha K. Mutterspaugh 1032 Green Spring Road Newville, PA 17241 NO. 01-1237 Civil Term Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Martha K. Mutterspaugh 1032 Green Spring Road Newville, PA 17241 Your house (real estate) at 1032 Green Spring Road, Newville, PA 17241 is scheduled to be sold at the Sheriff's Sale on December 8, 2004, at 10:00 am in the Commissioners Hearing Room, 2nd Floor, Courthouse, Carlisle, FA, to enforce the court judgment of $133,894.89, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. 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 cancelled if you pay to the charges, costs and reasonable attorney's fees. you may call: (856) 669-5400. mortgagee the back payment, late To find out how much you must pay. 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 856-669-5400. 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 856-669-5400. 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 schedule of distribution of the money bid for your house will be filed by the Sheriff within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. 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. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle. PA 17013-3387 717-249-3166 or 800-990-9108 ASSOCIATION DE LICENCIDADOS cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3166 or 800-990-9108 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 ATTORNEY FOR PLAINTIFF The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of August 31, 1997, Series 1997-C One Old Country Road, Suite 429 Carle Place, NY 11514 COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE Plaintiff v. Tawney Lee Mutterspaugh Martha K. Mutterspaugh 1032 Green Spring Road Newville, PA 17241 NO. 01-1237 Civil Term Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Tawney Lee Mutterspaugh 1032 Green Spring Road Newville, PA 17241 Your house (real estate) at 1032 Green Spring Road, Newville, PA 17241 is scheduled to be sold at the Sheriff's Sale on December 8, 2004, at 10:00 am in the Commissioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA, to enforce the court judgment of $133,894.89, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. 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 aotion: 1. The sale will be cancelled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out how much you must pay, you may call: (856)-669-5400. 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 856-669-5400. 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 856-669-5400. 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 paid to the Sheriff and the Sheriff gives a deed to the buyer. buyer may bring legal proceedings to evict you. the full amount due is At that time, the 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. 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. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3166 or 800-990-9108 ASSOCIATION DE LICENCIDADOS cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3166 or 800-990-9108 UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOOD CREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of August 31, 1997, Series 1997-C One Old Country Road, Suite 429 Carle Place, NY 11514 Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE v. Tawney Lee Mutterspaugh Martha K. Mutterspaugh 1032 Green Spring Road Newville, PA 17241 NO. 01-1237 Civil Term Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Martha K. Mutterspaugh C/o Anthony T. McBeth, Esq. 407 N. Front St. Cameron Mansion Harrisburg, PA 17101 Your house (real estate) at 1032 Green Spring Road, Newville, PA 17241 is scheduled to be sold at the Sheriff's Sale on December 8, 2004, at 10:00 am in the Commissioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA, to enforce the court judgment of $133,894.89, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffls Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out how much you must pay, you may call: (856) 669-5400. 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 856-669-5400. 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 856-669-5400. 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 paid to the Sheriff and the Sheriff gives a deed to the buyer. buyer may bring legal proceedings to evict you. the full amount due is At that time, the 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. 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. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3166 or 800-990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3166 or 800-990-9108 UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOOD CREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 ATTORNEY FOR PLAINTIFF The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of August 31, 1997, Series 1997-C One Old Country Road, Suite 429 Carle Place, NY 11514 Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE v. Tawney Lee Mutterspaugh Martha K. Mutterspaugh 1032 Green Spring Road Newville, PA 17241 NO. 01-1237 civil Term Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Tawney Lee Mutterspaugh C/o Anthony T. McBeth, Esq. 407 N. Front St. Cameron Mansion Harrisburg, PA 17101 Your house (real estate) at 1032 Green Spring Road, Newville, PA 17241 is scheduled to be sold at the Sheriff's Sale on December 8, 2004, at 10:00 am in the Commissioners Hearing Room, 2nd Floor, Courthouse, Carlisle, PA, to enforce the court judgment of $133,894.89, obtained by Plaintiff above (the mortgagee) against you. If the sale is postponed, the property will be relisted for the Next Available Sale. 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 cancelled if you pay to the mortgagee the back payment, late charges, costs and reasonable attorney's fees. To find out how much you must pay, you may call: (856)-669-5400. 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 856-669-5400. 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 gc> 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 856-669-5400. 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 paid to the Sheriff and the Sheriff gives a deed to the buyer. buyer may bring legal proceedings to evict you. the full amount due is At that time, the 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. 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. LAWYER REFERRAL SERVICE cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3166 or 800-990-9108 ASSOCIATION DE LICENCIDADOS cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3166 or 800-990-9108 JUN 1 B 20M UDREN LAW OFFICES, P.c. BY: GAYL SPIVAK ORLOFF, ESQUIRE ATTY J.D. NO. 63265 111 WOODCREST ROAD CHERRY HILL, NJ 08003 856-669-5400 The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of August 31, 1997, Series 1997-C ATTORNEY FOR PLAINTIFF : COURT OF COMMON PLEAS : CIVlL DMSION : Cumberland County Plaintiff v. Tawney Lee Mutterspaugh Martha K. Mutterspaugh . : NO. 01-1237 Civil Term Defendants CONSENT JUDGMENT IN MORTGAGE FORECLOSURE AND NOW, this 23...[ day of ~ ,2004 it is hereby agreed by and between, The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of August 31, 1997, Series 1997-C (hereinafter "Plaintiff"), by and through its counsel, Gayl Spivak Orloff, Esquire, and Tawney Lee Mutterspaugh and Martha K. Mutterspaugh (hereinafter "Defendants") by and through their counsel, Anthony T. McBeth, Esquire, as follows: WHEREAS, Plaintiff is the holder of the Mortgage on the property located at 1032 Greenspring Road, Newville, P A 17241 (hereinafter the "Property"); WHEREAS, Defendants are the mortgagors and owners of the Property; WHEREAS, the Mortgage is in default because monthly payments on the Mortgage due October 15, 2000, and each month thereafter are due and unpaid; WHEREAS, by the terms of the Mortgage, upon default in such payments, the entire principal balance and all interest due thereon are due forthwith; WHEREAS, the parties to this Consent Judgment are desirous of resolving the issues raised in the Complaint and therefore, Plaintiff and Defendants agree as follows: I. An in rem judgment is entered in favor of Plaintiff and against Defendants in the sum of$133,894.89 (as calculated from the Complaint), together with ongoing per diem interest, escrow advances, and any additional recoverable costs to date of sheriff's sale; and for foreclosure and sale of the Property. 2. Defendants hereby release and forever discharge Plaintiff, its successors and assigns, predecessors, servicers, agents, employees, officers, directors, representatives, and attorneys from any and all claims, demands, damages, or liabilities whether now known or unknown arising out of or in any way connected to Plaintiff's servicing Defendants' loan and the within foreclosure action. 3. Plaintiff hereby waives any deficiency judgment and/or action it may have against Defendants,Tawney Lee Mutterspaugh and Martha K. Mutterspaugh, personally and/or individually, due to the Discharge of Debtor entered in the U.S. Bankruptcy Court, Middle District of Pennsylvania, Case No. 02-05902, on October 31, 2003. Date: G/;S loy Go;rs~11~ Attorney for Plaintiff, The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of August 31,1997, Series 1997-C D'~r 7/~ , Esqu dants, Tawney Lee Mutterspaugh rspaugh BY THE COURT: TRUE COPY FROM "ECORO tn T "timon)' whareot. i here unto set fIfFf hanlI and the seal 04 said ~ at Carlisle, PlL fhiF 2 qY:- tl"y rI CJu......- , .J.ov 'f . ~ O. '1u..ll,., . ~ ProthonOlarV /:;/ 0 tu/~ (JJLj C), J. 2 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 ATTORNEY FOR PLAINTIFF The Bank of New York, as Trustee under the Pooling and and Servicing Agreement dated as of August 31, 1997, Series 1997-C COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County Plaintiff NO. 01-1237 Civil Term v. Tawney Lee Mutterspaugh Martha K. Mutterspaugh Defendant(s) CERTIFICATE OF SERVICE I, Mark J. Udren, Esquire, hereby certify that I have served true and correct copies of Notice of Sale upon the following person(s) named herein at their last known address or their attorney of record. xxxxxx Regular First Class Mail xxxxxx Certified Mail Other (certificate of mailing) Date Served: November 8, 2004 TO: Tawney Lee Mutterspaugh Martha K. Mutterspaugh c/o Anthony T. McBeth, Esquire 407 N. Front Street Cameron Mansion Harrisburg PA 17101 By: UDREN Mark J. 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II NO INSURANCE COVERAGE IS PROVIDED with Certified Mail. For vaiuables, please consider Insured or Registered Mail. 1iI For an additional fee, a Return Receipt may be requested to provide proof of delivery. To obtain Return Receipt servICe, pfease complete and attach a Return Receipt (PS Form 3811) to the article and add applicable postage to cover the fee. Endorse mailpiece "Return Receipt Requested", To receive a fee waiver tor a duplicate return receipt, a USP~ postmark on your Certified Mail receipt Is requIred. · For an additional fee, delivery may be restricted to the addressee or addressee's authorized agent. Advise the clerk or mark the mailplece with the ondorsement "Restricted Delivery". iii If a postmark on the Certified Mail recei~ Is desired. please present the arti- cle at the post office tor postmarking. If a postmark on the Certified Mail receipt is not needed, detach and affiX label with postage and mail. 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"0: ~ a. ~ ~ "0 ! Ql Q. E <3 ! - (I) ::s :!: E .... o u.. ~ m m ~ CIl :J .... .D Q) U. ,..... ,.... co C') E (5 u. (/'J 0.. n r-.-" c.~ e::, 0 <:::::> ..~",.'t. ~- '1 ~~:~};" i:J ::2:: --i C:;, :t':n -.;: 111- N r"- "'OfT] t ." J,.- t36 -U ~:i!"", ""- ,-.) ., -.. 70 ~.- N (srl'1 ~ .- ".../ .,:J,. ~- ~ .;:") .J,;- ..< UDREN LAW OFFICES, P.C. BY: Mark J. Udren ATTY I.D. NO. 04302 WOOD CREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 0.8003-3620 856-669-5400 The Bank of New York, as Trustee under the Pooling and and Servicing Agreement dated as of August 31, 1997, Series 1997-C One Old Country Road, Suite 429 Carle Place, NY 11514 Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County v. Tawney Lee Mutterspaugh Martha K. Mutterspaugh 1032 Green Spring Road Newville, PA 17241 Defendant(s) NO. 01-1237 Civil Term AMENDED AFFIDAVIT OF SERVICE PURSUANT TO Pa.R.C.P.RULE 3129.1 Plaintiff, by its/his/her Attorney, Mark J. Udren, Esquire, hereby verifies that: 1. A copy of the Notice of Sheriff's Sale, a ':rue and correct copy of which is attached hereto as Exhibit "A", was sent to every recorded lienholder and every other interested party known as of the date of the filing of the Praecipe for the Writ of Execution, on the date(s) appearing on the attached Certificates of Mailing. 2. A Notice of Sheriff's Sale was sent to Defendant(s) by regular mail and certified mail on the date appearing on the attached Return Receipt, which was signed for by Defendant(s) on the date specified on the said Return Receipt. Copies of the said Notice and Return Receipt are attached hereto as Exhibit "B". 3. If a Return Receipt is not attached hereto, then service was by personal service on the date specified on the attached Return of Service, attached hereto as Exhibit "B". 4. If service was by Order of Court, then proof of compliance with said Order is attached hereto as Exhibit "B". th by Pa Rule C.P. All Notices were served within the time 3129. This Affidavit is made subject to the relating to unsworn falsification to 18 a.C.S. Dated: November 16, 2004 UDREN BY: Mark J. Udren, Esquire Attorney for Plaintiff 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 ATTORNEY FOR PLAINTIFF The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of August 31, 1997, Series 1997-C One Old Country Road, Suite 429 Carle Place, NY 11514 COURT OF CO~~ON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE Plaintiff v. Tawney Lee Mutterspaugh Martha K. Mutterspaugh 1032 Green Spring Road Newville, PA 17241 NO. 01-1237 Civil Term Defendant{s) AMENDED AFFIDAVIT PURSUANT TO RULE 3129.1 The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of August 31, 1997, Series 1997-C, Plaintiff in the above action, by its attorney, Mark J. Udren, ESQ., sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property located at: 1032 Green Spring Road, Newville, PA 17241 1. Name and address of Owner(s) or reputed O~ler(s) : Name Address Tawney Lee Mutterspaugh 1032 Green Spring Road Newville, PA 172:41 Martha K. Mutterspaugh 1032 Green Spring Road Newville, PA 17241 2. Name and address of Defendant(s) in the judgment: Name Address SAME AS #1 ABOVE 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address None 4. Name and address of the last recorded holder of every mortgage of record: Name Address Plaintiff herein. See Caption above. Blazer Consumer Discount Company 9A N Progress Avenue Harrisburg PA 17109 Blazer Consumer Discount Company 820 E Street Road Warminster PA 18974-3317 Citifinancial, Inc. 1 Valley Street, Suite 103 Carlisle, PA 17013 5. Name and address of every other person who has any record lien on the property: Name Address None 6. 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 Real Estate Tax Dept. 1 Courthouse Sq., Carlisle, PA 17013 Domestic Relations Section 13 N. Hanover St., Carlisle, PA 17013 Commonwealth of PA, Department of Revenue Bureau of Compliance, Dept. 280946 Harrisburg, PA 17128-0946 7. 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 Tenants/Occupants 1032 Green Spring Road Newville, PA 17241 Anthony T. McBeth, Esq. 407 N. Front St. Cameron Mansion Harrisburg, PA 17101 I verify that the statements made correct to the best of my perso' belief. I understand that false st the penalties of 18 Pa.C.S. falsification to authorities. ark J. Udren, ESQ. Attorney for Plaintiff DATED: November 16, 2004 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 ATTORNEY FOR PLAINTIFF Deutsche Bank Trust Company Americas f/k/a Bankers Trust Company, as Trustee 1270 Northland Drive, Suite 200 Mendota Heights, MN 55120 Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 04-3287 CIVIL TERM v. Sandra Cluck 169 South Enola Drive Enola, PA 17025 Defendant(s) DATE: October 11, 2004 TO: ALL PARTIES IN INTEREST AND CLAIMANTS NOTICE OF SHERIFF'S SA.LE OF REAL PROPERTY OWNER(S): Tawney Lee Mutterspaugh & Martha K. Mutterspaugh PROPERTY: 169 South Enola Drive Enola, PA 17025 Improvements: RESIDENTIAL DWELLING The above captioned property is scheduled to be sold at the Cumberland County Sheriff's Sale on December 8, 2004, at 10:00 AM, at the Commissioners Hearing Room, 2nd Floor, Courthouse, Carlisle PA. Our records indicate that you may hold a mortgage or judgment on the property which will be extinguished by the sale. You may wish to attend the sale to protect your interests. A Schedule of Distribution will be filed by the Sheriff on a date specified by the Sheriff not later that 30 days after sale. Distribution will be made in accordance with the schedule unless exceptions are filed thereto within 10 days after the filing of the schedule. EXHIBIT .A ~\-~ '00.0 ~~.!!? 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C '0 ~ "i J:C '- o ~ .5 .: Q) - .~ == Q) c. >- I- >- ..c "Cl CI) - CI) C. E o (,) Q) ..c - III ::l ~ E '- o 1.l. 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 ATTORNEY FOR PLAINTIFF The Bank of New York, as Trustee under the Pooling and and Servicing Agreement dated as of August 31, 1997, Series 1997-C COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County Plaintiff NO. 01-1237 Civil Term v. Tawney Lee Mutterspaugh Martha K. Mutterspaugh Defendant(s) CERTIFICATE OF SERVICE I, Mark J. Udren, Esquire, hereby certify that I have served true and correct copies of Notice of Sale upon the following person (s) named herein at their last known address or their attorney of record. Regular First Class Mail Certified Mail Other (certificate of mailing) Date Served: November 8, 2004 xxxxxx xxxxxx TO: Tawney Lee Mutterspaugh Martha K. Mutterspaugh c/o Anthony T. McBeth, Esquire 407 N. Front Street Cameron Mansion Harrisburg PA 17101 By: S, P.C. UDREN Mark J. Udren, Esquire Attorney for Plaintiff 0123754 " i~-i,1 ,."~ . '.,,) lit 8ft:I'I ell8lsod 18lO.L 8.I8H l\fBIIIlIlOd (~ lU8UJlIIUOPlI3) 8ll:I....lIAfI8O P8IDIJl881:j (pelfnbe~ lU8W8S/llPlI3) 8ll:I W/qIII::I 3sn (/.- I. ..; Q . e, 8ll:I P8JllII8O f' , '" I 0 1.:1 :J 0 $ e68l8od (papl/lOJd a6eJaAO:J <J:Jue.msu{ ON ~AIUO I!ew :msawoa) .ld13J3~ '11'V1J\J 031::1I.lH3:J la:>!^Jas ll?lSOd 's'n ~';'4.~,,,J..I:.o..\;;;\ !lj~ .:ll;;; ~~ ili= ., ;l,~ )~i!V~ '""", 4ft!l :.!!- . 1~~lJ!:.r/p;~p '~r' 'S ~(~ij~~ ,~~-;\\...;~ ....;,... :,~.'{"~: .i\ \0:: :;., z! 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III NO INSURANCE COVERAGE IS PROVIDED With Certified Mail. For ValUables, please consider Insured or Registered Mail. II For an additional fee, a Return Receipt may be requested to provide proof of deliverv. To obtain Return Receipt service, please complete and attach a Return Receipt (PS Form 3811) to the article and add applicable postage to cover the fee. Endorse mailpiece "Return Receipt Requested". To receive a fee waiver tor a duplicate return receipt, a USPStul Pll8tmllrk on your Certified Mall receipt Is reqUired. III For an additional fee, delivery may be restricted to the addressee or addressee's authorized agent Advise the clerk or mark the mailplece with the onaorsement "Restricted Delivery". iiil If a postmark on the Certified Mail receipt is desired. please present the arti- cle at the post office for postmarking. If a postmark on the Certified Mail receipt Is not needed. detach and affiX label with postage and mall. 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For valuables, please consider Insured or Registered Mail. II For an additional fee. a Return Receipt may be requested to provide proof of delivery. To obtain Retum Receipt servlce, please complete and attacn a Ren.n Receipt (PS Form 3811) to the 8rtlcIe and add applicable postage to cover the tee. Endorse maiIpiece "Retum Receipt Requested". To receive a tee waiver tor a dUDIicate return receipt, a uSPSe postmark on your Certified Mail receipt Is reqwred. III For an additional fee, delivery may be restricted to the addressee or addressee's authOrized a~nt. Advise the clerk or mark the mailpiece with-the endorsement "RestrictedDelivery'. III !f a pom.mark on the Certified Mall receipt is desired, please oresent the arti- cle at the post office for postmarking. If a postmark on the Certified Mail receipt is not needed, detach and affix label with postage and mail. IMPORTANT: Save this receipt and present it when making an inquiry. 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"'. ~. /- -.J. ,,;J. - (, - " I:l:il.';;"'-'~- ~ /,',., E.: .~aV1S0d'~X..~~~~\ ~;~-JS?~/I/ .'*'" n. ___ .'"_.. ~~-".....i.' __.<. ..- <0 o .,.... .,.... .,.... ('oJ .,.... C') .,.... '<I' .,.... ,... co ell <0 \. ~ CD .f::?.E ttI Q..~ (;) (ij ~8.~ ~ ~~ .2'o-gCl~e '2~~Ql=~ ~.!a~83~~ ~g~~~~ 5 e"(ij ~.g€ E:::J~:::l as 0 ~.E~"5~; E5....(ii~~ ~n~~m:g r- 2 c: c..(IJ:5 =~~ca=g ~8~g~~ ~~ ~8-C 0 Q; c: ~J::O~ .~ ~~"i~ ~ eg~5ii~ ~"O~(I)-g~ 5~"E=~:i~ :a~g~.6~ !~"~~5~ "E~~~~~ ~~~'~i~ g -g ~ 0 ~rg Kl",m--o. E-E~S<~~ o Q)....o c:= ~~~t(f~~ ~g8~.~(ij o"OQ)"-~5 al ~ c.~ 15 :; "5~g!-; ~ W g,g ~8l.5 '~~~~"O5 ~ 50 E i CD ai'::=:~M~ >oe-S-Qi g~~~~8 g2BE8'O e-o~cnU) ~~.m.ea:13 og.gG)'ij..;: ~C1)cn.J::E.! ::: .... CD I- (Q"E ~~.~g~= .=.gc.~~ ~ ~ Q ~ IJ.i Cl .~ '16 t) ~ 'C <I) E ~ ~ i~ u; o c.. Ul (l) Q) U u= .215 c.._ _CIJ 00 ~ ~c.. (l)_ .Qrn E-o ::l Q) z> -'0; .!!1~ ~a: ~4 .-' <0 .,.... CIJ (l) <.> (l) n:~ _(l) 0-0 ~ c: (l) Q) 'cC/) E>, , ~~ ~,~ ~ ~ o ._ ~ f--l "j G I: QI Q. - I: '0 a.. Iii lD ... o .llI: .5 .: QI - .;: ~ QI Q. >- I- >- .Q 'tl QI - QI Q. E o CJ QI .Q - ell ::l :: E ... o Ll. "" OJ OJ .,... If\ >- ... ctl ::l ... ..c Q) u. ,...: ,... co C') E ... o "U.. ." ~ WW - 11.. ~ ~ J The Bank: of New York, as Trustee under In The Court of Common Pleas of The Pooling and Servicing Agreement Cumberland County, Pennsylvania Dated as of August 31,1997, Series 1997-C Writ No. 2001-1237 Civil Term VS Tawney Lee Mutterspaugh and Martha K. Mutterspaugh Jason Vioral, Deputy Sheriff, who being duly sworn according to law, states that on September 08,2004 at 8:02 o'clock PM, he served a true copy of the within Real Estate Writ, Notice of Sheriffs Sale and Description, in the above entitled action, upon the within named defendants, to wit: Tawney Lee Mutterspaugh and Martha K. Mutterspaugh, by making known unto Tawney Mutterspaugh, personally and adult in charge for Martha Mutterspaugh, at 21 Gutshall Road, Shippensburg, Cumberland County, Pennsylvania, its contents and at the same time handing to him personally the said true and correct copy of the same. Cpl. Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on October 26,2004 at 3:23 o'clock P.M., she posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Tawney Lee Mutterspaugh and Martha K. Mutterspaugh located at 1032 Green Spring Road, Newville, Pennsylvania, according to law. R. Thomas Kline, Sheriff, who being duly sworn according to law, states he served the above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to the within named defendants, to wit: Tawney Lee Mutterspaugh and Martha K. Mutterspaugh, by regular mail to their last known address of 21 Gutshall Road, Shippensburg, P A 17257. These letters were mailed under the date of October 07, 2004 and never returned to the Sheriffs Office. Sworn and subscribed to before me So Answers: This _ day of ./~~-~<< ~ R. Thomas KliIie, Sheriff 2004, A.D. Prothonotary " Ii" '""'11 -l1!3 0 n c -~~-' ~-\ i l"-' c::::> c;::;l ..:::- ;r:. C.) ...~ l" .1;- \~ ~~ ~i ",;. -- -0 :J:: ~ .-\ 'X-n r:1F- -om6 -0 () ~:1~ 7r1 U(') >::m. (:) . --\ ....~ ~:o :.z f'::' r .s;- 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 ATTORNEY FOR PLAINTIFF The Bank of New York, as Trustee under the Pooling and and Servicing Agreement dated as of August 31, 1997, Series 1997-C COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County Plaintiff NO. 01-1237 Civil Term v. Tawney Lee Mutterspaugh Martha K. Mutterspaugh Defendant(s) CERTIFICATE OF SERVICE I, Mark J. Udren, Esquire, hereby certify that I have served true and correct copies of Notice of Sale upon the following person(s) named herein at their last known address or their attorney of record. Regular First Class Mail Certified Mail Other (certificate of mailing) Date Served: November 8, 2004 xxxxxx xxxxxx TO: Tawney Lee Mutterspaugh Martha K. Mutterspaugh c/o Anthony T. McBeth, Esquire 407 N. Front Street Cameron Mansion Harrisburg PA 17101 UDREN S, P.C. By: Mark J. Udren, Esquire Attorney for Plaintiff 0123754 (I.- I . " Q , e, 88:1 P8fIAlllO {' , VI ~ 1.:1 :I 0 BI8H l\I8UII8Od 3sn ~~ 88:1........... 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To receive a fee waiver for a duplicate return receipt, a USP8.D> postmark on your Certified Mail receipt Is reqUired, II For an additional fee, delivery may be restricted to the addressee or addressee's authorized agent. Advise the clerk or mark the mailpiece with the onaorsement "Restricted Delivery". ilIl If a postmark on the Certified Mail receipt is desired, please present the arti- cle at the post office for postmarking. If a postmark on the Certified Mail receipt is not needed, detach and affiX label with postage and mall. IMPORTANT: Save this receipt and present it when making an inquiry. Internet access to delivery information is not available on mail addressed to APOs and FPOs. Q) 2:- Ql Q) m .~ i: 2! 16" ,>> " c ~~ ~ '0 [] 0 -m c d Q)' E .~ :sl ~ Q:. ...... ~ " !!! Qi g II: >< ai Q) CIi Q) l!? lil l ~ '0.. ~'9. e! :i ~ ol!!Q)oE . o'~.s ~~ g.cs....::rti <(,!!.!(J)~o~ c?~~o~lii "C ~ -6 <D Jg a. c: .- "C .c: al ca'Qj ca -::; al 0 N'1:l "C ....s tU .-:'l!l ffi ~ B g. 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CD 'o!!!.c ,0 ~ ~ l! ~ 'i ~5ci.28'M gE~8~~ ~~~1l'i'5:; CiiB8~iiE 6-8 .....!{!.~tu ~~&~::g '5.~g~.e ~ ~o ~ [~~ .!!? ~f5 ~(I)'s Q)a~C::"6 ~co~iQ) _o>-c:O'E~~~ .- m Q) cg-m ~CIJ ~ .QooE;io ~~U'~(5)'5 i6~E~8 ~!~L~!'~ :a~~~fii'~ Q)-.!!!8::;:~ ~.2c.:2~ ~ '0 c CIl Q. .... c '0 Q. "'i IJ3 '- o .lIl: .5 '-~ CIl .... ';: ~ CIl C. ~ ~ "D ! CIl C. E o (,) CIl .Q .... III ::l :i: E '- o LL ~ 0) 0) ... ~ cO 2 .0 (I) LL. ,..: I"- CIO C') E ... o LL. (f) 0.. (') ~ 0 c:-::;:, ~:; <= /1 ~- '-~, ,~ ! ,; , ....- --i ~"-- ::c r- ~ : ! C:) f11F ""<: " rTJ N :r) ty) .&-- 00 -0 ._,::1 ...,., :os 'Tl -./'!Io '70 N (3m --I ~.- !-:.", ::;! .l~- ~iJ .J-- ..< ~v UDREN LAW OFFICES, P.C. BY: Mark J. Udren ATTY I.D. NO. 04302 WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 The Bank of New York, as Trustee under the Pooling and and Servicing Agreement dated as of August 31, 1997, Series 1997-C One Old Country Road, Suite 429 Carle Place, NY 11514 Plaintiff ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County v. Tawney Lee Mutterspaugh Martha K. Mutterspaugh 1032 Green Spring Road Newville, PA 17241 Defendant(s) NO. 01-1237 Civil Term AMENDED AFFIDAVIT OF SERVICE PURSUANT TO Pa.R.C.P.RULE 3129.1 Plaintiff, by its/his/her Attorney, Mark J. Udren, Esquire, hereby verifies that: 1. A copy of the Notice of Sheriff's Sale, a true and correct copy of which is attached hereto as Exhibit "A", was sent to every recorded lienholder and every other interested party kno'wo as of the date of the filing of the Praecipe for the Writ of Execution, on the date(s) appearing on the attached Certificates of Mailing. 2. A Notice of Sheriff I s Sale was sent to DefE:ndant (s) by regular mail and certified mail on the date appearing on the attached Return Receipt, which was signed for by Defendant(s) on the date specified on the said Return Receipt. Copies of the said Notice and Return Receipt are attached hereto as Exhibit "B". 3. If a Return Receipt is not attached hereto,. then service was by personal service on the date specified on the attached Return of Service, attached hereto as Exhibit "B". 4. If service was by Order of Court, then proof of compliance with said Order is attached hereto as Exhibit "B". All Notices were served within 3129. This Affidavit is made subject to the relating to unsworn falsification to Dated: November 16, 2004 Mark J. Udren, Esquire Attorney for Plaintiff 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 ATTORNEY FOR PLAINTIFF The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of August 31, 1997, Series 1997-C One Old Country Road, Suite 429 Carle Place, NY 11514 COURT OF COMMON PLEAS CIVIL DIVISION cumberland County MORTGAGE FORECLOSURE Plaintiff v. Tawney Lee Mutterspaugh Martha K. Mutterspaugh 1032 Green Spring Road Newville, PA 17241 NO. 01-1237 Civil Term Defendant(s) AMENDED AFFIDAVIT PURSUANT TO RULE 3129.1 The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of August 31, 1997, Series 1997-C, Plaintiff in the above action, by its attorney, Mark J. Udren, ESQ., sets forth as of the date the Praecipe for the Writ of Execution was filed the following information concerning the real property loca1:ed at: 1032 Green Spring Road, Newville, PA 17241 1. Name and address of Owner(s) or reputed Owner(s) : Name Address Tawney Lee Mutterspaugh 1032 Green Spring Road Newville, PA 17241 Martha K. Mutterspaugh 1032 Green Spring Road Newville, PA 17241 2. Name and address of Defendant(s) in the judgment: Name Address SAME AS # 1 ABOVE 3. Name and address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address None 4. Name and address of the last recorded holder of every mortgage of record: Name Address Plaintiff herein. See Caption above. Blazer Consumer Discount Company 9A N Progress kvenue Harrisburg PA 17109 Blazer Consumer Discount Company 820 E Street Road Warminster PA 113974-3317 Citifinancial, Inc. 1 Valley Street, Suite 103 Carlisle, PA 17013 5. Name and address of every other person who has any record lien on the property: Name Address None 6. 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 Real Estate Tax Dept. 1 Courthouse Sq.., Carlisle, PA 17013 Domestic Relations Section 13 N. Hanover St., Carlisle, PA 17013 Commonwealth of PA, Department of Revenue Bureau of Compli.ance, Dept. 280946 Harrisburg, PA 17128-0946 7. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the propert:f which may be affected by the sale: Name Address Tenants/Occupants 1032 Green Spring Road Newville, PA 17:241 Anthony T. McBeth, Esq. 407 N. Front St. Cameron Mansion Harrisburg, PA 17101 DATED: November 16, 2004 this aff'da it are true and or information and n a e made subj ect to ela ing to unsworn ark J. Uiren, ESQ. Attorney for Plaintiff 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 ATTORNEY FOR PLAINTIFF Deutsche Bank Trust Company Americas f/k/a Bankers Trust Company, as Trustee 1270 Northland Drive, Suite 200 Mendota Heights, MN 55120 Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County NO. 04-3287 CIVIL TERM v. Sandra Cluck 169 South Enola Drive Enola, PA 17025 Defendant(s) DATE: October 11, 2004 TO: ALL PARTIES IN INTEREST AND CLAIMANTS NOTICE OF SHERIFF IS SltLE OF REAL PROPERTY OWNER(S): Tawney Lee Mutterspaugh & Martha K. Mutterspaugh PROPERTY: 169 South Enola Drive Enola, PA 17025 Improvements: RESIDENTIAL DWELLING The above captioned property is scheduled to be sold at the Cumberland County Sheriff's Sale on December 8, 2004, at 10:00 AM, at the Commissioners Hearing Room, 2nd Floor, Courthouse, Carlisle PA. Our records indicate that you may hold a mortgage or judgment on the property which will be extinguished by the sale. 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(j;~ <;; III I r::, LO CD I"- 0> ex> C ell Q. ... c: .0 Q. 'ii m '- o JIl: .5 '-~ ! ";: == Gl c.. ~ >- .c "tl Gl - Gl C. E o o ell .c - I/) ~ :: E '- o LL 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 ATTORNEY FOR PLAINTIFF The Bank of New York, as Trustee under the Pooling and and Servicing Agreement dated as of August 31, 1997, Series 1997-C COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County Plaintiff NO. 01-1237 Civil Term v. Tawney Lee Mutterspaugh Martha K. Mutterspaugh Defendant(s) CERTIFICATE OF SERVICE I, Mark J. Udren, Esquire, ~ereby certify that I have served true and correct copies of Notice of Sale upon the following person (s) named herein at their last known address or their attorney of record. Regular First Class Mail Certified Mail Other (certificate of mailing) Date Served: November 8, 2004 xxxxxx xxxxxx TO: Tawney Lee Mutterspaugh Martha K. Mutterspaugh c/o Anthony T. McBeth, Esquire 407 N. Front Street Cameron Mansion Harrisburg PA 17101 Mark J. Udren, Esquire UDREN ~WI~~II I ' . I ' BY'~ S, P.C. Attorney for Plaintiff 0123754 ....."j ;" t 'V, , ;< " 9J8H lIJllWlllOd (~~ lU8lIlMIllPU3) 88:1............ pIIlllf.IIIl8l: (Jl8III1b8l:ll\lBlllll8.lOll) 88:1 id8!De\lIWll8l:l 88:1 peup.lllO 3sn $ 8Il8l8od (pap!AOJd a{jf!Jaflo:J a:JUf!Jnsu/ ON :A/UQ I!ew :msawoa) .LdI3J3~ 'lIVJ/\J Q31::H.Lt:l3:J a::>I^.las lelSod 's'n lji~ :,:4~""\~:""::' ;jit:.,...; "- ;j II ;:=' 'i~llr.,? '~ J~!l .. ~ . '~1~1~..?'t;~1:'~ ~ , ~ ;OJ ~ ?' "~~" .. ,.....~ t': .' f A< ..",''',.. :;"~~2~~':~ t.:) ;, \ ".~.. "too -;'1 \0:. c;, 21 ~ g: '.! II:\)"'> ../ . ,J S1/-R, r~ oi": .,~~.....,. I ...,J...,J C1Cl C1ICl ~I..c i ClICl ...,JI...,J U1 111 C1ICl I C1ICl C1ICl C1Cl wlw I U1jl11 ru1nJ C1Cl wlUJ I IT'/IT' Cl,Cl CiCl rulru a: w 1- .Z q~OC') 0... \_: <.r 0 ~j ~ () r~~3 IlJ~. IT Q if ~~ >~ u. 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C\J C') '<t LO CD I"- ex:> Q') Q)' Cll S is.. ~ Ol .~ 'Q\ (,) Q) 0: 'C Q) E ~ "'- CD c.. CD iii as E iii o c.. ~ .' The Bank of New York, as Trustee under In The Court of Common Pleas of The Pooling and Servicing Agreement Cumberland County, Pennsylvania Dated as of August 31, 1997, Series 1997-C Writ No. 2001-1237 Civil Term VS Tawney Lee Mutterspaugh and Martha K. Mutterspaugh Jason Vioral, Deputy Sheriff, who being duly sworn a.ccording to law, states that on September 08, 2004 at 8:02 o'clock PM, he served a true copy of the within Real Estate Writ, Notice of Sheriffs Sale and Description, in the above entitled action, upon the within named defendants, to wit: Tawney Lee Mutterspaugh and Martha K. Mutterspaugh, by making known unto Tawney Mutterspaugh, personally and adult in charge for Martha Mutterspaugh, at 21 Gutshall Road, Shippensburg, Cumberland County, Pennsylvania, its contents and at the same time handing to him personally the said true and correct copy of the same. Cpl. Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on October 26, 2004 at 3 :23 0' clock P.M., she posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above: entitled action, upon the property of Tawney Lee Mutterspaugh and Martha K. Mutterspaugh located at 1032 Green Spring Road, Newville, Pennsylvania, according to law. R. Thomas Kline, Sheriff, who being duly sworn according to law, states he served the above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to the within named defendants, to wit: Tawney Lee Mutterspaugh and Martha K. Mutterspaugh, by regular mail to their last known address of 21 Gutshall Road, Shippensburg, P A 17257. These letters were mailed under the date of October 07, 2004 and never returned to the Sheriffs Office. Sworn and subscribed to before me So Answers: This _ day of .-/~~,...,...4t!' ~.~ R. Thomas Kline, Sheriff 2004, A.D. Prothonotary .. "''1' 'I'~ ~__)' C:'5 ~L n c ,....., e...? :2 :;;r.: C) .....; 1" r -0 :};; ~-~ ~ .', I, ' ~. :) C' "/" -::::i :..c N " r r ~ .~ "':-n f;'e "'Qmb -0 S~ -1" \ "C-n 9(') . "., tt1 ~l 'Ju :..:: . , COMMONWEALTH OF PENNSYL VANIA COUNTY OF CUMBERLAND }SS: 0/- /;1..37 I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby ce ify that the Sheriffs Deed in which HomeO Serv Corp fka The Money Store is the grantee the same aving been sold to said grantee on the 8th day ofDec A.D., 2004, under and by virtue of a writ Exe ution issued on the 17th day of Aug. A.D., 2004, out of the Court of Common Pleas of said Count as of Civil Term, 2001 Number 1237, at the suit of Bank of New York Tr against Tawne Lee Mutters u h & Martha K is duly recorded in Sheriffs Deed Book No. 267, Page 1375. IN TESTIMONY WHEREOF, I have hereunto et my hand , ,711 seal of said office this U day of ,. The Bank of New York, as Trustee under In The Court of Common Pleas of The Pooling and Servicing Agreement Cumberland County, Pennsylvania Dated as of August 31, 1997, Series 1997-C Writ No. 2001-1237 Civil Term VS Tawney Lee Mutterspaugh and Martha K. Mutterspaugh Jason Vioral, Deputy Sheriff, who being duly sworn according to law, states t at on September 08,2004 at 8:02 o'clock PM, he served a true copy of the within Real Estate Writ, Notice of Sheriffs Sale and Description, in the above entitled action, up n the within named defendants, to wit: Tawney Lee Mutterspaugh and Martha K. Mutterspaugh, by making known unto Tawney Mutterspaugh, personally and adult i charge for Martha Mutterspaugh, at 21 Gutshall Road, Shippensburg, Cumberland County, Pennsylvania, its contents and at the same time handing to him personally th said true and correct copy of the same. Cpl. Michael Barrick, Deputy Sheriff, who being duly sworn according to la , states that on October 26,2004 at 3:23 o'clock P.M., she posted a true copy of the wi hin Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon t e property of Tawney Lee Mutterspaugh and Martha K. Mutterspaugh located at 1032 Green Spring Road, Newville, Pennsylvania, according to law. R. Thomas Kline, Sheriff, who being duly sworn according to law, states he served the above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to the within nam d defendants, to wit: Tawney Lee Mutterspaugh and Martha K. Mutterspaugh, by regu ar mail to their last known address of21 Gutshall Road, Shippensburg, PA 17257. The e letters were mailed under the date of October 07,2004 and never returned to the She iffs Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, states tha after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Courthouse, Carlisle, Cumberlan County, Pennsylvania on December 08,2004 at 10:00 o'clock A.M. He sold the s for the sum of$1.00 to Attorney Mark J. Udren for HomeQ Servicing Corporation flk/a DBA The Money Store. It being the highest bid and best price received for the sam HomeQ Servicing Corporation f/k1a DBA The Money Store of One Old Country Ro d, Suite 375, Carle Place, NY 11514, being the buyer in this execution, paid to Sheriff Thomas Kline the sum of$1081.91. Sheriffs Costs: Docketing Poundage Posting Bills Advertising Acknowledging Deed Auctioneer Law Library $30.00 21.21 15.00 15.00 30.00 10.00 .50 Prothonotary Mileage Levy Surcharge Law Journal Patriot News Share of Bills Distribution of Proceeds Sheriffs Deed 1.00 23.68 15.00 30.00 418.85 376.75 30.42 25.00 39.50 $ 1,081.91 Sworn and subscribed to before me So Answers: This .?i, ~- day of ~''''''7 ~~-<. ~ \ R. Thomas Kline, Sheriff 2005, A.D. l ~;r" () nu II" " ~ _ J._~Q 'u 1>r thonotary BY L/'o_~ Real Estat eputy " /lyL- CJI~ ,.j) ! ' J.~j) Cir(...,p,q-;l. ,,;J,,_ 1'<('1 -N <' t . ATTORNEY FOR LAINTIFF UDREN LAW OFFICES, P.C. BY: Mark J. Udren, Esquire ATTY I.D. NO. 04302 WOOD CREST CORPORATE CENTER 111 WOODCREST ROAD, SUITE 200 CHERRY HILL, NJ 08003-3620 856-669-5400 The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of August 31, 1997, Series 1997-C One old Country Road, Suite 429 Carle Place, NY 11514 COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE Plaintiff v. Tawney Lee Mutterspaugh Martha K. Mutterspaugh 1032 Green Spring Road Newville, PA 17241 NO. 01-1237 Civil Term Defendant(s) AFFIDAVIT PURSUANT TO RULE 3129.1 The Bank of New York, as Trustee under the Pooling and S Agreement dated as of August 31, 1997, Series 1997-C, Plaintif above action, by its attorney, Mark J. Udren, ESQ., sets forth a date the Praecipe for the Writ of Execution was filed the f information concerning the real property located at: 1032 Gree Road, Newville, PA 17241 1. Name and address of Owner(s) or reputed Owner(s) : Name Address Tawney Lee Mutterspaugh 1032 Green Spring Road Newville, PA 17241 Martha K. Mutterspaugh 1032 Green Spring Road Newville, PA 17241 2. Name and address of Defendant(s) in the judgment: Name Address SAME AS #1 ABOVE 3. Name and address of every judgment creditor whose judgment is lien on the real property to be sold: Name Address None rvicing in the of the llowing Spring record , 4. Name and address of the lapt recorded holder of every mo tgage of record: Name Address Plaintiff herein. See Caption above. Blazer Consumer Discount Company Address to follow Citifinancial, Inc. 1 Valley Street, Suite 103 Carlisle, PA 17013 5. Name and address of every other person who has any record Ii n on the property: Name Address None 6. Name and address of the property and whose Name every other person who has any record int interest may be affected by the sale: Address Real Estate Tax Dept. 1 Courthouse Sq., Carlisle, PA 17 13 Domestic Relations Section 13 N. Hanover St., Carlisle, PA 1 013 Commonwealth of PA, Department of Revenue Bureau of Compliance, Dept. 28094 Harrisburg, PA 17128-0946 7. Name and address of every knowledge who has any interest the sale: Name rest in other person of whom the plaint'ff has in the property which may be aff cted by Address Tenants/Occupants 1032 Green Spring Road Newville, PA 17241 Anthony T. McBeth, Esq. 407 N. Front St. Cameron Mansion Harrisburg, PA 17101 I verify that the statements made in this affidavit are true and to the best of my personal knowledge or information and beli understand that false statements herein are made subject to the pe of 18 Pa.C.S. sec. 4904 relating to unsworn falsificat' to autho UDREN DATED: August 12, 2004 Mark J. U en, ESQ. Attorney for Plaintiff orrect f. I alties Hies. 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 ATTORNEY FOR LAINTIFF The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of August 31, 1997, Series 1997-C One Old Country Road, Suite 429 Carle Place, NY 11514 COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE Plaintiff v. Tawney Lee Mutterspaugh Martha K. Mutterspaugh 1032 Green Spring Road Newville, PA 17241 NO. 01-1237 Civil Term Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Martha K. Mutterspaugh 1032 Green Spring Road Newville, PA 17241 Your house (real estate) at 1032 Green Spring Road, Newville, PA 7241 is scheduled to be sold at the Sheriff's Sale on December 8, 2004, a 10:00 am in the Commissioners Hearing Room, 2nd Floor, Courthouse, Ca lisle, PA, to enforce the court judgment of $133,894.89, obtained by PI intiff above (the mortgagee) against you. If the sale is postpon the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffrs Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the charges, costs and reasonable attorneyrs fees. you may call, 1856) 669-5400. mortgagee the back payme t, late To find out how much you m st pay, 2. You may be able to stop the sale by filing a petition asking the Court t strike or open the judgment, if the judgment was improperly entered. You may 1so 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 e, the more chance you will have of stopping the sale. (See notice on page tw on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE 'YOUR PROPERTY AND YOU HAVE OT R RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be old to the highest bidder. You may find out the price bid by calling 856-669-5400. 2. You may be able to petition the Court to set aside the saie if t 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 ull amount due in the sale. To find out if this has happened, you may call 856-669-5 00. 4. If the amount due from the Buyer is not paid to the Sheriff, you ill remain the owner of the property as if the sale never happened. S. You have the right to remain in the property until the full am unt 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 our house. A schedule of distribution of the money bid for your house will be filed by he Sheriff within 30 days after the sale. This schedule will state who will be rece'ving that money. The money will be paid out in accordance with this schedule unless xceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff ithin ten (10) days after Schedule of Distribution is filed. 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 WHE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3166 or 800-990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3166 or 800-990-9108 ATTORNEY FOR LAINTIFF 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 The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of August 31, 1997, Series 1997-C One Old Country Road, Suite 429 Carle Place, NY 11514 COURT OF COMMON PLEAS CIVIL DIVISION Cumberland County MORTGAGE FORECLOSURE Plaintiff v. Tawney Lee Mutterspaugh Martha K. Mutterspaugh 1032 Green Spring Road Newville, PA 17241 NO. 01-1237 Civil Term Defendant(s) NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: Tawney Lee Mutterspaugh 1032 Green Spring Road Newville, PA 17241 Your house (real estate) at 1032 Green Spring Road, Newville, P is scheduled to be sold at the Sheriff's Sale on December 8, 20 10:00 am in the Commissioners Hearing Room, 2nd Floor, Courthou Carlisle, PA, to enforce the court judgment of $133,894.89, obt Plaintiff above (the mortgagee) against you. If the sale is po the property will be relisted for the Next Available Sale. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff1s Sale, you must take immediate action: 17241 4, at e, ined by tponed, 1. The sale will be cancelled if you pay to the mortgagee the back paymen late charges, costs and reasonable attorney1s fees. To find out how much y u must pay, you may call: (856) -669-5400. 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. ou 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 contac one, the more chance you will have of stopping the sale. (See notice on pa e 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 so d to the highest bidder. You may find out the price bid by calling 856-669-5400. 2. You may be able to petition the Court to set aside the sale if he 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 856 669-5400. 4. If the amount due from the Buyer is not paid to the Sheriff, yo will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until paid to the Sheriff and the Sheriff gives a deed to the buyer. buyer may bring legal proceedings to evict you. the full amo t due is At that tim , the 6. You may be entitled to a share of the money which was paid for ur house. A schedule of distribution of the money bid for your house will be 'led by the Sheriff within 30 days after the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this Be edule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after Schedule of Distribution is filed. 7, You may also have other rights and defenses, or ways of getting our home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT RAVE A LA ER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WH RE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3166 or 800-990-9108 ASSOCIATION DE LICENCIDADOS Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013-3387 717-249-3166 or 800-990-9108 j ALL THAT CERTAIN TRACT OR PARCSL OF L1IJro SITUATS IN NORTH lI:EWTON TOWNSHIP, CDNB:ERLAND COUNTY. PENNSYLVANIA, BEING LOT NO 1 ON SUBDIVISION PLAN OF ROBER HTJ"I'TSRSPAUGR, SAID PLAN BEING RECORDED IN THE OFFICE OF RECORDER OF DEEDS, 0 cmmERLAND COUNTY, PENNSYLVANIA IN PLAN BOOK . PAGE MORE FULLY BO DESCRIBED AS FOLLOWS, TO WIT. BEGINNING AT A RAILROAD SPIXE IN THE CENTER LINE OF PA. ROUTE OTliER L1IJroS NOW OR FORHBRLY OF ROBERT KOTTERSPAUGR; THENCE BY DEGREES, 56 MINUTES, 53 SECONDS EAST, 594.45 FEET, TO, AN IRON NOW OR FORM:ERLY OF JOliN W. NOLT; THENCE BY SAID L1IJro OF NOLT, SOllTR 42 DEGlI.E MINUTES, 37 SECONDS WEST, 147.91 FEET, TO AN IRON PIN, AT CORNER OF LANDS NO FORHBRLY OF EDWAllD A. KELLEY; TRENCE BY SAID LANDS OF KELI.EY, NORTl!: 27 DEG MINUTES. 52 SECONDS WEST, 676.98 FEET, TO A RAILROAD SPIKE IN Tl!:E CENTER OF P ROUTB 641; Tl!:ENCE BY TBE CENTERLINE OF SAID ROAD. NORTl!: 75 DBGREES, as MINUTE, 53 SECONDS EAST, 151.48 FEZT, TO A RAILROAD SPIKE, THE PLACB OF BEGINNING. COll1AINING 2.0.965 ACRES PURSUANT TO SAID SUBDIVISION. TOGBTl!:ER WITl!: AN EASmmN'r FOR A SEWAGB DISPOSAL SYSTEH DESCRIBED AS POLLOWS. BEGINNING AT A ponrr ON LINE OF L1IJroS NOW OR FORM:ERLY OF EDWAllD A. KELLEY; SOllTR 27 DEGREES, 43 MINUTES, 52 SECONDS EAST, 22.89 FERT,TBENCE Tl!:E FOLLOWIN COURSES AND DISTANCES; SOUTH 33 DBGREES,05 MINUTBS, 0.4 SBCONDS WEST,132.97 PE ; SOllTR 81 DEGREES, 0.7 MINUTES, 10. SECONDS EAST. 32.39 FEET; SOUTH 0.8 DEGREES, MINUTES, .50.SECONDS WEST, 10.0..0.0. PEET; NORTH 81 DEGREES, 0.7 MINUTES, 10. SECOND WEST, 120..0.0. FEET,; NORTH 0.8 DEGREES, 52 MINUTES, 50. SECONDS EAST, 10.0..0.0. PER "SOunt. 81 DEGREES, 0.7 MINUTES 10. SECONDS EAST, 65.68 FEET; NORTl!: 33 DEGREES, 0.5 MINUTES, 0.4 SECONDS EAST, 153.10. FEET, TO A ponrr THE PLACE OF BEGINNING. SAID EASEMENT TO RUN WITH Tl!:E LAND AND TO BXTEND TO TIm IlEIRS, EXB=ORS ADMINISTRATORS AND ASSIGNS OF Tl!:E GRANTEES HEREIN AND TO BE USED FOR THE CONSTRUCTION AND KAJ:N'rENAJIICE AND OPERATION OF AN. ON LOT SEWAGE SYSTEII TO SEll.VE TIlE LANDS lIEREBY CONVEYED. BEING KNOWN AS: 1032 GREEN SPRING ROAD, NEWVILLE, PA 17241 PROPERTY ID NO.: 30-08-0597-044 TITLE TO SAID PREMISES IS VESTED IN TAWNEY LEE MUTTERS PAUGH AND MUTTERSPAUGH, HIS WIFE BY DEED FROM ROBERT F. MUTTERS PAUGH AND R MUTTERS PAUGH , HIS WIFE DATED 6/6/89 RECORDED 6/12/89 IN DEED BOO PAGE 713. .' WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 01-1237 Civil CIVIL ACTION - LA TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due THE BANK OF NEW YORK, AS TRUSTEE UN ER THE POOLING AND SERVICING AGREEMENT DATED AS OF AUGUST 31, 1997, SERlE 1997-C, Plaintiff (s) From TAWNEY LEE MUTTERSPAUGH AND MARTHA K. MUTTERSPAUGH, (1) You are directed to levy upon the property ofthe 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 gamishee(s) that: (a) an attachment has been issued; (b) the gamishee(s) is enjoined fr m paying any debt to or for the account of the defendant (s) and from delivering any property of the defen nt (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 ganllihee, you are directed to notify him/her that he/she has been added a a garnishee and is enjoined as above stated. Amount Due $133,894.89 L.L. $.50 Interest FROM 6/24/04 TO DATE OF SALE 12/8/04 - PER DIEM @ $28.05 - $4,712.40 Atty's Comm % Due Prothy $1.00 Atty Paid $125.92 Other Costs Plaintiff Paid Date: AUGUST 17, 2004 CURTIS R. LONG (Seal) Deputy REQUESTING PARTY: Name MARK J. DUREN, ESQUIRE Address: UDREN LAW OFFICES, P.c. WOODCREST CORPORATE CENTER 111 WOODCREST ROAD, SUJTE 200 CHERRY HILL, NJ 08003-3620 Attorney for: PLAINTIFF Telephone: 856-669-5400 Supreme Court ID No. 04302 Real Estate Sale #40 On September 01, 2004 the Sherifflevied upon the defendant's interest in the real property situated in North Newton Township, Cumberland County, PA Known and numbered as 1032 Green Spring Road, Newville, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: September 01,2004 By: j;)dJ!i~wtii..h Real Est;" Deputy ~ ~ ~ ~ -1' C'j,\.i3cl ;' ,c." ...} \ ", I,~ ! \ ~;~j~~ "CJ \', '. ' \,./ ,Aj"i,'\., oJI," '", ,,) j'" REAL ESTATE SALE No. 40 Writ No. 2001-1237 Civil Term The Bank of New York, as Trustee under the pooling and servicing agreement dated as of Aug. 31, 1997 Series 1997-C Vs Tawney Lee MJ.'tterspaugh and Martha K.liI'latterspaugh Atty:Mark Udren DESCRIP110N AU. TIlAT CERfAIN tIact or paree! of land situate in North Newton Township, Cumberland County, Pennsylvaoia, being Lot No. 1 on sobdivision plan of Robert Mutterspaugb. said plan being IUOrded in 1he Office of Re<:ordJ:r of Deeds, ofCtmiberland County. Pennsylvania in PIsn Book:~ Page _ more fully bollDded and described as follows, to wit: BEGINNING at arailiuad spike in 1he ceoter line of PA Route 641,..= of olber lands now or fonnerly of Robert Muttmpaugh; tbence by said lands SO\1lh 26 degrees, 56 minotes. 53 sectmdseos1, 594.45 feet to l\lI iron pin in line of lands now or formerly of lohn W. Nolt, thence by said land of Nolt, south 42 degrees. 56 minotes, 37 seconds west 147.91 feet to an iroo pin. at comer of lands now or fonnerly of Edward A. KclIty;tbence by said lands of Kelley, oorth 27 degrees; 43 minntes, 52 sectmds west 676.98 feet. to a railroad spike in 1he center of PA Route 641; t1ience by 1he centerline of said road, north 75 degrees, 05 minutes, 53 seconds east, 151.48 feet. to a railroad spike. the PIace of BEGINNING. . CONTAINING 2.0965 acres pursuant to said subdivision. TOGETHER with an easement for a sewage disposal system described as follows: . BEGINNING at a point on !iDe of lands now or' fonnerly of Edward A Kelley; lhenC!' south 27 degrees; 43 minutes, 52 seconds east. 22.89 feet, 1hen(:e the following cuurses and distances; sooth 33 degrees, 05 minutes. 04 seconds west l32.97 feet; sooth 81 degrees, 07 minntes. 10 seconds east 32.39 feet; south 08 degrees. 52 minotes. 50 seconds west, 100.00 feet; north 8l degrees. 07 minotes, 10 seconds west 120.00 feet; north 08 degrees. 52 minutes, 50 seconds east, 100.00 feet; ..south 81 degrees, 07 minntes 10 sectmds east. 65.68. feet; north 33 degrees. 05 minotes. 04 sectmds east. 153.10 feet, to a point 1he Place of BEGINNING. Said easement to run wilb 1he land and to extend to 1he beiIs. executors administrators and assigns of the grantees herein and to be used for the constIUcnob and maint...<>nance and operation of an 00 lot sewOge system to serve the lands hereby conveyed. BEING KNOWN AS: 1032 Green Spring Road, Newville, PA 17241. PROPERlY ID #30-08-0597-044. 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