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Home My WebLink About10-5115 FIf F . . L2.10 tic 1? Ipi' a , '` ?? y Inc 3: a3 '! - •j t _,s Phelan Hallinan & Schmieg, LLP Lawrence T. Phelan, Esq., Id. No. 32227 Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 ATTORNEY FOR PLAINTIFF Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 245778 PHH MORTGAGE CORPORATION 2001 LEADENHALL RD. COURT OF COMMON PLEAS MOUNT LAUREL, NJ 08054 CIVIL DIVISION Plaintiff V. TERM MISTY L. CAROTHERS A/K/A MISTY CAROTHERS NO. 10- 55115 0'tv i l Te,m 3301 STERETT PLACE SAN DIEGO, CA 92123-2052 CUMBERLAND COUNTY Defendant 0 4QA. oo P a ATN File #: 245778 4 NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you, and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY ATTORNEY REFERRAL CUMBERLAND COUNTY BAR ASSOCIATION CUMBERLAND COUNTY COURTHOUSE 2 LIBERTY AVENUE CARLISLE, PA 17013 (717) 249-3166 (800) 990-9108 File #<: 245778 1. Plaintiff is PHH MORTGAGE CORPORATION 2001 LEADENHALL RD. MOUNT LAUREL, NJ 08054 2. The name(s) and last known address(es) of the Defendant(s) are: MISTY L. CAROTHERS AWA MISTY CAROTHERS 3301 STERETT PLACE SAN DIEGO, CA 92123-2052 who is/are the mortgagor(s) and/or real owner(s) of the property hereinafter described. 3. On 09/25/2002 mortgagor(s) made, executed and delivered a mortgage upon the premises hereinafter described to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INCORPORATED AS A NOMINEE FOR CENDANT MORTGAGE CORPORATION D/B/A ERA MORTGAGE which mortgage is recorded in the Office of the Recorder of CUMBERLAND County, in Mortgage Book No. 1774, Page 3802. The PLAINTIFF is now the legal owner of the mortgage and is in the process of formalizing an assignment of same. The mortgage and assignment(s), if any, are matters of public record and are incorporated herein by reference in accordance with Pa.R.C.P. 1019(g); which Rule relieves the Plaintiff from its obligations to attach documents to pleadings if those documents are of public record. 4. The premises subject to said mortgage is described as attached. 5. The mortgage is in default because monthly payments of principal and interest upon said mortgage due 12/01/2009 and each month thereafter are due and unpaid, and by the terms of said mortgage, upon failure of mortgagor to make such payments after a date specified by written notice sent to Mortgagor, the entire principal balance and all interest due thereon are collectible forthwith. File k: 245778 6 The following amounts are due on the mortgage: Principal Balance Interest 11/01/2009 through 08/01/2010 (Per Diem $9.8606) Attorney's Fees Cumulative Late Charges 09/25/2002 to 08/01/2010 Mortgage Insurance Premium / Private Mortgage Insurance Costs of Suit and Title Search Escrow Deficit TOTAL 7 8 9. $48,132.88 $2,662.38 $650.00 $116.16 $39.26 $550.00 $11 R_03 $52,268.71 Plaintiff is nat seeking a judgment of personal liability (or an in personam judgment) against the Defendant(s) in the Action; however, Plaintiff reserves its right to bring a separate Action to establish that right, if such right exists. If Defendant(s) has/have received a discharge of personal liability in a bankruptcy proceeding, this Action of Mortgage Foreclosure is in no way an attempt to reestablish such personal liability discharged in bankruptcy, but only to foreclose the mortgage and sell the mortgaged premises pursuant to Pennsylvania Law. Notice of Intention to Foreclose as set forth in Act 6 of 1974, Notice of Homeowner's Emergency Assistance Program pursuant to Act 91 of 1983, as amended in 1998, and/or Notice of Default as required by the mortgage document, as applicable, have been sent to the Defendant(s) on the date(s) set forth thereon, and the temporary stay as provided by said notice has terminated because Defendant(s) has/have failed to meet with the Plaintiff or an authorized consumer credit counseling agency, or has/have been denied assistance by the Pennsylvania Housing Finance Agency. This action does not come under Act 91 of 1983 because the mortgage is FHA-insured. File #: 245778 10. Plaintiff hereby releases CHARLES E. CAROTHERS, III from liability for the debt secured by the mortgage. WHEREFORE, Plaintiff demands an in rem judgment against the Defendant(s) in the sum of $52,268.71, together with interest from 08/01/2010 at the rate of $9.8606 per diem to the date of judgment, and other costs, fees, and charges collectible under the mortgage and for the foreclosure and sale of the mortgaged property. PHELAN HALLINAN & SCHMIEG, LLP 1?kt By: ka---,,zn ? Lawrence T. Phelan, Esq., Id. No. 32227 ? Francis S. Hallinan, Esq., Id. No. 62695 ? Daniel G. Schmieg, Esq., Id. No. 62205 ? Michele M. Bradford, Esq., Id. No. 69849 ? Judith T. Romano, Esq., Id. No. 58745 ? Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua I. Goldman, Esq., Id. No. 205047 ? Courtenay R. Dunn, Esq., Id. No. 206779 ? Andrew C. Bramblett, Esq., Id. No. 208375 Attorneys for Plaintiff File #: 245778 1- 0 LEGAL DESCRIPTION ALL THAT CERTAIN house and lot of ground situate in the Borough of Carlisle, Cumberland County, Pennsylvania, bound and described as follows: BEGINNING at a point on the West side of Factory Street, 207.85 feet South of'A' Street; thence along lot now or formerly of Mrs. Grace Boyd, North 83 degrees 44 minutes West, 180.5 feet to a post on an alley; thence along said alley, South 6 degrees 7 minutes West, 15.7 feet to a post; thence along the lot now or formerly of Floyd E. Ankabrandt, South 83 degrees 25 minutes East, 96.8 feet to a point; thence still along same, South 83 degrees 53 minutes East, 83.5 feet to a point on said Factory Street; thence along said Factory Street, North 6 degrees 13 minutes East, 16 feet to a point, the place of BEGINNING. IMPROVED with a two-story frame dwelling house known as and numbered 438 Factory Street. PROPERTY ADDRESS: 438 FACTORY STREET, CARLISLE, PA 17013-1851 PARCEL #: 06-20-1798-185 File #: 245778 The undersigned attorney hereby states that I am the attorney for the Plaintiff in this matter, that Plaintiff is outside the jurisdiction of the Court and/or the verification could not be obtained within the time allowed for the filing of the pleading, that I am authorized to make this verification pursuant to Pa.R.C.P. 1024 (c), and that the statements made in the foregoing Civil Action in Mortgage Foreclosure are based upon information supplied by Plaintiff and are true and correct to the best of my knowledge, information and belief. Furthermore, counsel intends to substitute a verification from Plaintiff upon receipt. The undersigned understands that this statement is made subject to the penalties of 18 Pa.C.S. Sec. 4904 relating to unsworn falsifications to authorities. DATE: -V31to Attorney for Plaintiff File #: 245778 ? r+ tr'c ,r u? ?."v 24 PM 4: p4 S?SYt.? Phelan Hallinan & Schmieg, LLP Lawrence T. Phelan, Esq., Id. No. 32227 Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 ,Aaime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 PHH MORTGAGE. CORPORATION Plaintiff VS. ATTORNEY FOR PLAINTIFF : COURT OF COMMON PLEAS : CIVIL DIVISION : NO. 10-5115-CIVIL-TERM MISTY L. CAROTHERS A/K/A CUMBERLAND COUNTY MISTY CAROTHERS Defendant(s) PRAECIPE TO SUBSTITUTE VERIFICATION TO CIVIL ACTION COMPLAINT IN MORTGAGE FORECLOSURE TO THE PROTHONOTARY: PHS #: 245778 Kindly substitute the attached verification for the verification originally filed with the complaint in the instant matter. Phelan Hallinan & Schmieg, LLP Attorney for Plaintiff By: ? Lawrence T. Phelan, Esq., Id. No. 32227 ? Francis S. Hallinan, Esq., Id. No. 62695 ? Daniel G. Schmieg, Esq., Id. No. 62205 ? Michele M. Bradford, Esq., Id. No. 69849 ? Judith T. Romano, Esq., Id. No. 58745 ? Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331. ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua I. Goldman, Esq., Id. No. 205047 ? Courtenay R. Dunn, Esq., Id. No. 206779 ? Andrew C. Bramblett, Esq., Id. No. 208375 Date: 8-18-10 PHS #: 245778 VERIFICATION hereby states that he/she of. PHH MORTGAGE CORPORATION. servicing agent for Plaintiff in this matter. that he/she is authorized to take this Verification, and verify that the statements made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of his/her knowledge, information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities. DATE: \_qr__ \o File #: 245778 NAn e: rc 'c?lN`G-u? Title: L \?N Servicer: PHH MORTGAGE CORPORATION Name:CAROTHERS Phelan Hallinan & Schmieg, LLP Lawrence T. Phelan, Esq., Id. No. 32227 Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 PHH MORTGAGE CORPORATION Plaintiff VS. MISTY L. CAROTHERS A/K/A MISTY CAROTHERS Defendant(s) ATTORNEY FOR PLAINTIFF : COURT OF COMMON PLEAS : CIVIL DIVISION : NO. 10-5115-CIVIL-TERM : CUMBERLAND COUNTY CERTIFICATE OF SERVICE I hereby certify that a true and correct copy of Plaintiff s Praecipe to attach Verification of Complaint was sent via first class mail to the following on the date listed below: PHS #: 245778 MISTY L. CAROTHERS A/K/A MISTY CAROTHERS 3301 STERETT PLACE SAN DIEGO, CA 92123-2052 Phelan Hallinan & Schmieg, LLP Attorney for Plaintiff ?< I r "L- ; BY: ? Lawrence T. Phelan, Esq., Id. No. 32227 ? Francis S. Hallinan, Esq., Id. No. 62695 ? Daniel G. Schmieg, Esq., Id. No. 62205 ? Michele M. Bradford, Esq., Id. No. 69849 ? Judith T. Romano, Esq., Id. No. 58745 ? Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua 1. Goldman, Esq., Id. No. 205047 ? Courtenay R. Dunn, Esq., Id. No. 206779 ? Andrew C. Bramblett, Esq., Id. No. 208375 Date: 8-18-10 PHS #: 245778 \'~` a~ ~~~ ~. i~ _ ,. ;' i 3 ~,. ' ,, _~ ~4 c ~~ rro V ~~ m „ -'i t~l r;~. _ C,: ':~f ~., - rr~ ; ,~, .~_~ EJJ~~~~~.-.. , AFFIDAVIT Ok' SERVICE ~,q~gF CUivIBERi•AIW COUNTY PH1GI MO16tTGAGE CORPORATIt}N PIiS # 25778 DIBFF.NDANT SERVICiE't~AM/ cvc MISTY L CAROTNERS A/H/A MISTY CAROTI3ER5 COURT' ND.:30.5115-CI VIL-'PERM SERVE M1iSTY L. CARO!`AERS A/IUA MISTY CAROTHERS AT: TYPE OF ACTION ~-~, ~3 3381 STBRETT PLACE %X Mortgage Foreclosure XX (~ ti '1 A t. _,._ - ~ ~ °"~ on n c SAN AlEGO, CA 9213-2052 ~ ~ ;~ ~ ~r=~ at - T Defendant on the ~' da of ~ ~~ t d k d S d ~ y q nown erve ma e an ~~ o'clock'. M., at ~t?t C'C" p[Ae,~ , in the tnanner descn'bed below: ~ ~ o ~ °?G Defendant pusonally served. ~ ~ ~ ~ _~ _.._ ~, AduIt family member with whom Defa>dant(s) reside(s). "~ ~ ~ "'t Relationship is _ Aduh in charge of Defendant's residence who refused to give name or relationship. ~ "`i ~ ManagerlClerk of place of lodging in which Defettdant(s} inside(s). ' "~ Agent or person in charge of Defendant's office or usual place of business. _ an officer of said Defendant's company. _ Other. Description: Age ~._ Height 5 ' ? ~ Weight Race ("~ Sex l' Othex I,~'`~~~ ¢• SM~~au mp~etent adult, being duly sworn acxording to law. depose and state chat I personally handed a true and correct copy of the foreclosure Comvlaintsn the manner as set forth herein, issued in dte captioned case on the date and at the address indicated ~7ove. Sworn to and subscribed before me this ~ b day of ~, Zt~} Notary: _ By: . --- ~ .NrO~' SERVED ~~. °` `t7n the day of , 20_, at ___, o'cI ~. M., Defendant NOT UND because: _ Vacant Does Not Exist Moved ~ of Reside (Not V No Answer at at `Service fused Other: Sworn tp=and subscribed b f ore zne this ~_ day Notary: RNEY FO 7~a z, rl~.vA. rw, ra. No. Sans > s K. a. ~.. ~,, w. No. ~s u.~la a sere. a,s. rr. Na ~s MiehdeM. . ~sq.Id. Na. 69549 JadGhT.ROmue, ~Oe 9A. Na.36745 el+ac+al it Slro6<ia~i, tiq. Id No. e17f0 3edne R D-tiO.Yaq, Id.Na 8x677 L>r+ea R Saba, Fiq., ld Nu 93337 YMkaNea4na, PAq..Li Nw 702337 Jq B. Java, &9+IQ. Na Bf667 PGerJ. Mal:ahr, fir}, 7i. Na.6179t Andrea I,.9ykae15, Sq, Yd. Nw 84x79 Jatme M .GuUn~ fs~R., rk Na 90171 Gltrieawimte P. PYakas, Faq., 9d. No.94626 3aMmL Gotlmr48+4.IdNsZA9037 Cooiteuy R Dr~.8s4, IR. Na. 2667!9 Andreer G Deady Id Nu A6R175 1fM~tNtIF.R~7 ~ Sal 1b~g0 vhirddplue4 PA 39M}1e14 C21~ 5619000 Phelan Hallinan & Schmieg, LLP By: Lawrence T. Phelan, Esq., Id. No. 32227 Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 Courtenay R Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 1617 JFK Boulevard, Suite 1400 ~~C~.t. o~.'~t~ ao~a C~+ ~a. 1~''1 3.:Z~ ~~ tc..rtib . ~v ~~ Attorney for Plaintiff One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 PHH MORTGAGE CORPORATION vs. CUMBERLAND COUNTY : COURT OF COMMON PLEAS MISTY L. CAROTHERS A/K/A MISTY CAROTHERS CIVIL DIVISION No.10-5115-CIVIL-TERM PRAECIPE FOR IN REM JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of the Plaintiff and against MISTY L. CAROTHERS AiK/A MISTY CAROTHERS, Defendant(s) for failure to file an Answer to Plaintiff's Complaint within 20 days from service thereof and for foreclosure and sale of the mortgaged premises, and assess Plaintiff's damages as follows: ,~~~ . od i~c~L~( ~- e~ i yr ~szs l~~ ~y 9~' ~~~ 245778 ~~~ ~ As set forth in Complaint $52,268.71 Interest - 08/02/2010 to 10/11/2010 7$ 00.10 TOTAL $52,968.81 I hereby certify that. (1) the Defendant's last known address is 3301 STERETT PLACE, SAN DIEGO, CA 92123-2052, and mortgaged premises located at 438 FACTORY STREET, CARLISLE, PA 17013-1851, and (2) that notice has been given in accordance wi Rule 237.1, copy attached. ///~ / /~ ^ La e T. Phelan Esq., Id. No. 32227 ^ Fr cis . Hallin ,Esq., Id. No. 62695 ^ D iel c g, Esq., Id. No. 62205 ^ Michele M. Bradford, Esq., Id. No. 69849 ^ Judith T. Romano, Esq., Id. No. 58745 ^ Sheetal R. Shah-Jani, Esq., Id. No. 81760 ^ Jenine R. Davey, Esq., Id. No. 87077 ^ Lauren R. Tabas, Esq., Id. No. 93337 ^ Vivek Srivastava, Esq., Id. No. 202331 ^ Jay B. Jones, Esq., Id. No. 86657 ^ Peter J. Mulcahy, Esq., Id. No. 61791 ^ Andrew L. Spivack, Esq., Id. No. 84439 ^ Jaime McGuinness, Esq., Id. No. 90134 ^~(:hrisovalante P. Fliakos, Esq., Id. No. 94620 (~ Joshua I. Goldman, Esq., Id. No. 205047 ^ Courtenay R. Dunn, Esq., Id. No. 206779 ^ Andrew C. Bramblett, Esq., Id. No. 208375 Attorney for Plaintiff DAMAGES ARE HEREBY ASSESSED AS INDICATED. DATE: PHS # 245778 PROTHONOTARY 245778 Phelan Hallinan & Schmieg, LLP By: Lawrence T. Phelan, Esq., Id. No. 32227 Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 PHH MORTGAGE CORPORATION vs. MISTY L. CAROTHERS A/K/A MISTY CAROTHERS Attorney for Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION No.10-5115-CIVIL-TERM VERIFICATION OF NON-MILITARY SERVICE The undersigned attorney hereby verifies that he/she is the attorney for the Plaintiff in the above,-captioned matter, and that on information and belief, he/she has knowledge of the following facts, to wit: (a) that the defendant(s) is/are not in the Military or Naval Service of the United States or it Allies, or otherwise within the provisions of the Soldiers' and Sailors' Civil Relief Act of Congress of 1940, as amended. (b) that defendant MISTY L. CAROTHERS A/K/A MISTY CAROTHERS is over 18 years of age and last known address is 3301 STERETT PLACE, SAN DIEGO, CA 92123-2052, and mortgaged premises located at 438 FACTORY STREET, CARLISLE, PA 17413-1851. 245778 This statement is made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Date: ~ 6~) 2 ~IT o Id. No. 32227 Id. No. 62695 ^ Daniel G. ~hmi ,Esq., Id. No. 62205 ^ Michele M. Bradford, Esq., Id. No. 69849 ^ Judith T. Romano, Esq., Id. No. 58745 ^ Sheetal R. Shah-Jani, Esq., Id. No. 81760 ^ Jenine R. Davey, Esq., Id. No. 87077 ^ Lauren R. Tabas, Esq., Id. No. 93337 ^ Vivek Srivastava, Esq., Id. No. 202331 ^ Jay B. Jones, Esq., Id. No. 86657 ^ Peter J. Mulcahy, Esq., Id. No. 6.1791 ^ Andrew L. Spivack, Esq., Id. No. 84439 ^ Jaime McGuinness, Esq., Id. No. 90134 ^ hrisovalante P. Fliakos, Esq., Id. No. 94620 [/Joshua I. Goldman, Esq., Id. No. 205047 ^ Courtenay R. Dunn, Esq., Id. No. 206779 ^ Andrew C. Bramblett, Esq., Id. No. 208375 Attorney for Plaintiff 245778 (Rule of Civil Procedure No. 236) -Revised PHH MORTGAGE CORPORATION vs. MISTY L. CAROTHERS A/K/A MISTY CAROTHERS CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION No.10-5115-CIVIL-TERM Notice is given that a Judgment in the above captioned matter has been entered against you on / By: If you have any questions concerning this matter please contact: ^ Lawrence T. Phelan, Esq., Id. No. 32227 ^ Francis S. Hallinan, Esq., Id. No. 62695 ^ Daniel G. Schmieg, Esq., Id. No. 62205 ^ Michele M. Bradford, Esq., Id. No. 69849 ^ Judith T. Romano, Esq., Id. No. 58745 ^ Sheetal R. Shah-Jani, Esq., Id. No. 81760 ^ Jenine R. Davey, Esq., Id. No. 87077 ^ Lauren R. Tabas, Esq., Id. No. 93337 ^ Vivek Srivastava, Esq., Id. No. 202331 ^ Jay B. Jones, Esq., Id. No. 86657 ^ Peter J. Mulcahy, Esq., Id. No. 61791 ^ Andrew L. Spivack, Esq., Id. No. 84439 ^ Jaime McGuinness, Esq., Id. No. 90134 hrisovalante P. Fliakos, Esq., Id. No. 94620 [~ Joshua I. Goldman, Esq., Id. No. 205047 ^ Courtenay R. Dunn, Esq., Id. No. 206779 ^ Andrew C. Bramblett, Esq., Id. No. 208375 Attorney or Party Filing 1617 3FK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 * * THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANYINFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIDUSLYRECEIVED A DISCHARGE IN BANKR UPTCY, THIS IS NOT AND SHOULD NOT BE CONSTRUED TO BEAN ATTEMPT TO COLLECTA DEBT, BUT ONLYENFORCEMENT OFA LIENAGAINST PROPERTY. ** 245778 PRAECIPE FOR WRIT OF EXECUTION-(MORTGAGE FORECLOSURE) P.R.C.P. 3180-3183 PHH MORTGAGE CORPORATION COURT OF COMMON PLEAS Plaintiff CIVIL DIVISION v MISTY L. CAROTHERS A/K/A MISTY CAROTHERS Defendant(s) To the Prothonotary: Issue writ of execution in the above matter: Amount Due interest from 10/ 12/2010 to Date of Sale ($8.83 per diem) TOTAL Vat/. as ?j- 4 91. OD "yiS 8 s ?y 3D N it g X9,00 5'01. 06 ;) u e Ca 9 So Du e r, l- Note: Please attach description of property. PHS # 245778 CIS R.? asr,3s? NO.: 10-5115-CIVIL-TERM CUMBERLAND COUNTY $52,968.81 $1,253.86 $54,222.67 Attorney fo Plaintiff Phelan Hallinan & Schmieg, LLP ? Lawrence T. Phelan, Esq., Id. No. 32227 ? Francis S. Hallinan, Esq., Id. No. 62695 ? Daniel G. Schmieg, Esq., Id. No. 62205 ? Michele M. Bradford, Esq., Id. No. 69849 ? Judith T. Romano, Esq., Id. No. 58745 ? Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua I. Goldman, Esq., Id. No. 205047 ? urtenay R. Dunn, Esq., Id. No. 206779 V Andrew C. Bramblett, Esq., Id. No. 208375 ? Allison F. Wells, Esq., Id. No. 309519 C11) ? C) ? rn3 a --r -°c r- co S, a =a n = a z z © --t w "< Cn b ?s V) w x H a Q U F-? 0 ? N M ?"wN 0 c? O FOR 01 a F-I ?vlY1p? go C, 4 ZW H Q ? Mamie peo pM ?dO?zNN o0 Oar QG W o c 0-zr-,,??.a o o° o dZr°? z~zzzQ?xbb ^zti~cx 'er %? H 1/f .?i M M?1 -.~ OZ 5r 01, m w? W ? y w p o w ? ?? W V > w «+. v 13 All a v a a, w Q ?,1?0000000000OODOO 0 LEGAL DESCRIPTION ALL THAT CERTAIN house and lot of ground situate in the Borough of Carlisle, Cumberland County, Pennsylvania, bound and described as follows: BEGINNING at a point on the West side of Factory Street, 207.85 feet South of 'A' Street; thence along lot now or formerly of Mrs. Grace Boyd, North 83 degrees 44 minutes West, 180.5 feet to a post on an alley; thence along said alley, South 6 degrees 7 minutes West, 15.7 feet to a post; thence along the lot now or formerly of Floyd E. Ankabrandt, South 83 degrees 25 minutes East, 96.8 feet to a point; thence still along same, South 83 degrees 53 minutes East, 83.5 feet to a point on said Factory Street; thence along said Factory Street, North 6 degrees 13 minutes East, 16 feet to a point, the place of BEGINNING. IMPROVED with a two-story frame dwelling house known as and numbered 438 Factory Street. SUBJECT, HOWEVER, to such recorded easements, restrictions and conditions that may apply to the afore- described tract of land. TITLE TO SAID PREMISES IS VESTED IN Misty L. Carothers, married woman, by Deed from Misty L. Carothers and Charles E. Carothers, III, h/w, dated 11/15/2005, recorded 11/28/2005 in Book 272, Page 461. PREMISES BEING: 438 FACTORY STREET, CARLISLE, PA 17013-1851 PARCEL NO.: 06-20-1798-185 Phelan Hallinan & Schmieg, LLP 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 PHH MORTGAGE CORPORATION Plaintiff V. MISTY L. CAROTHERS A/K/A MISTY CAROTHERS Defendant(s) Attorneys for Plaintiff OF TFILED-OFFICE TOARY 1010 NOV 18 AN 10: 36 CUMBERLAND COUNTY COURT OF COMMON PLEAS PENNSYLVANIA : CIVIL DIVISION CERTIFICATION : NO.: 10-5115-CIVIL-TERM : CUMBERLAND COUNTY The undersigned attorney hereby states that he/she is the attorney for the Plaintiff in the above captioned matter and that the premises are not subject to the provisions of Act 91 because: (X) the mortgage is an FHA Mortgage ( ) the premises is non-owner occupied ( ) the premises is vacant ( ) Act 91 procedures have been fulfilled This certification is made subject to the penalties of 18 Pa. C.S.A. § 4904 relating to unsworn falsification to authorities. By: Attorney for Plaintiff Phelan Hallinan & Schmieg, LLP ? Lawrence T. Phelan, Esq., Id. No. 32227 ? Francis S. Hallinan, Esq., Id. No. 62695 ? Daniel G. Schmieg, Esq., Id. No. 62205 ? Michele M. Bradford, Esq., Id. No. 69849 ? Judith T. Romano, Esq., Id. No. 58745 ? Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua I. Goldman, Esq., Id. No. 205047 ? ourtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 ? Allison F. Wells, Esq., Id. No. 309519 PHHVORTGAGE CORPORATION Plaintiff V. COURT OF COMMON PLEAS CIVIL DIVISION NO.: 10-5115-CIVIL-TERM MISTY L. CAROTHERS A/K/A MISTY CAROTHERS Defendant(s) CUMBERLAND COUNTY PHS # 245778 AFFIDAVIT PURSUANT TO RULE 3129.1 PHH MORTGAGE CORPORATION, Plaintiff in the above action, by the undersigned attorney, sets forth as of the date the Praecipe for the Writ of Execution was filed, the following information concerning the real property located at 438 FACTORY STREET, CARLISLE, PA 17013-1851. Name and address of Owner(s) or reputed Owner(s): Name 2. 3. 4. MISTY L. CAROTHERS A/K/A MISTY CAROTHERS Name and address of Defendant(s) in the judgment: Name SAME AS ABOVE Address (if address cannot be reasonably ascertained, please so indicate) 3301 STERETT PLACE SAN DIEGO, CA 92123-2052 Address (if address cannot be reasonably ascertained, please so indicate) Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address (if address cannot be reasonably ascertained, please indicate) None. Name and address of last recorded holder of every mortgage of record: Name Address (if address cannot be reasonably ascertained, please indicate) Mers, Inc. Mers as a nominee for Summit Financial, LLC., A Virginia Corporation Summit Financial, LLC., a Virginia Corporation Summit Financial, LLC., a Virginia Corporation C/o: TSS, LLC Name and address of every other person who has an; Name 3300 SW 346 Avenue; Suite 101 Ocala, FL 34474 P.O. Box 2026 Flint, MI 48501-2026 555 Herndon Parkway; Suite 200 Herndon, VA 20170-5291 P.O. Box 10550 McLean, VA 22102-8550 record lien on the property: Address (if address cannot be reasonably ascertained, please indicate) -tlz 2co Z ?r n1 c © b? o O ? ca ' 2;C ? r1 y - b c ) Y None. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale. Name Address (if address cannot be reasonably ascertained, please indicate) None. Name and address of every other person of whom the plaintiff has knowledge who has any interest in the property which may be affected by the sale: Name Address (if address cannot be reasonably ascertained, please indicate) TENANT/OCCUPANT Domestic Relations of Cumberland County Commonwealth of Pennsylvania Department of Welfare Internal Revenue Service Advisory U.S. Department of Justice U.S. Attorney for the Middle District of PA 438 FACTORY STREET CARLISLE, PA 17013-1851 13 North Hanover Street Carlisle, PA 17013 P.O. Box 2675 Harrisburg, PA 17105 1000 Liberty Avenue Room 704 Pittsburgh, PA 15222 Federal Building, P.O. Box 11754 228 Walnut Street Harrisburg, PA 17108 Mers as a nominee for CitiMortgage, Inc. CitiMortgage, Inc. Charles E. Carothers, III. Charles E. Carothers, III. Misty L. Carothers A/K/A Misty Carothers C/o: Michael J. Whare, Esquire P.O. Box 2026 Flint, MI 48501-2026 1000 Technology Drive; MS321 O'Fallon, MO 63368-2240 1424 Bradley Drive; Apt. 112D Carlisle, PA 17013-1277 3301 Sterett Place San Diego, CA 92123-2052 37 East Pomfret Street Carlisle, PA 17013 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S.A. § 4904 relating to unsworn falsification to authorities. November 16, 2010 By: Attorney for Plaintiff Phelan Hallinan & Schmieg, LLP ? Lawrence T. Phelan, Esq., Id. No. 32227 ? Francis S. Hallinan, Esq., Id. No. 62695 ? Daniel G. Schmieg, Esq., Id. No. 62205 ? Michele M. Bradford, Esq., Id. No. 69849 ? Judith T. Romano, Esq., Id. No. 58745 ? Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua I. Goldman, Esq., Id. No. 205047 ? Courtenay R. Dunn, Esq., Id. No. 206779 [Andrew C. Bramblett, Esq., Id. No. 208375 ? Allison F. Wells, Esq., Id. No. 309519 PHH MORTGAGE CORPORATION r : COURT OF COMMON PLEAS Plaintiff : CIVIL DIVISION VS. : NO.: 10-5115-CIVIL-TERM MISTY L. CAROTHERS A/K/A MISTY CAROTHERS Defendant(s) CUMBERLAND COUNTY NOTICE OF SHERIFF'S SALE OF REAL PROPERTY C") rN4 ,?? C) rnw ° r-n ? TO: MISTY L. CAROTHERS Z rte.. "< r - A/K/A MISTY CAROTHERS -<-t> o 0 3301 STERETT PLACE n © A. o SAN DIEGO, CA 92123-2052 x ? > z z r? orn * *THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFOR?TI9?1 OfAINED WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE THIS IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY." Your house (real estate) at 438 FACTORY STREET, CARLISLE, PA 17013-1851 is scheduled to be sold at the Sheriff's Sale on 03/02/2011 at 10:00 AM in the Cumberland County Courthouse, South Hanover Street, Carlisle, PA 17013 to enforce the court judgment of $52,968.81 obtained by PHH MORTGAGE CORPORATION (the mortgagee) against you. In the event the sale is continued, an announcement will be made at said sale in compliance with Pa.R.C.P. Rule 3129.3. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be canceled if you pay to the mortgagee the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call: 215-563-7000 x1230. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff s Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 215-563-7000. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the vatue of your property. 3. Tie sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call 215-563-7000. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A proposed schedule of distribution of the money bid for your house will be prepared by the Sheriff not later than thirty (30) days after the sale. The schedule shall be kept on file with the sheriff and will be made available for inspection in his office. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the filing of the proposed schedule. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION CUMBERLAND COUNTY COURTHOUSE 2 LIBERTY AVENUE CARLISLE, PA 17013 (717) 249-3166 (800) 990-9108 SHORT DESCRIPTION By virtue of a Writ of Execution NO. 10-5115-CIVIL-TERM PHH MORTGAGE CORPORATION VS. MISTY L. CAROTHERS A/K/A MISTY CAROTHERS owner(s) of property situate in the Borough of Carlisle, Cumberland County, Pennsylvania, being (Municipality) 438 FACTORY STREET, CARLISLE, PA 17013-1851 Parcel No.: 06-20-1798-185 (Acreage or street address) Improvements thereon: RESIDENTIAL DWELLING JUDGMENT AMOUNT: $52,968.81 Phelan Hallinan & Schmieg, LLP Attorney for Plaintiff 1617 JFK Boulevard, Suite 1400 Philadelphia, PA 19103 215-563-7000 LEGAL DESCRIPTION ALL THAT CERTAIN house and lot of ground situate in the Borough of Carlisle, Cumberland County, Pennsylvania, bound and described as follows: BEGINNING at a point on the West side of Factory Street, 207.85 feet South of 'A' Street, thence along lot now or formerly of Mrs. Grace Boyd, North 83 degrees 44 minutes West, 180.5 feet to a post on an alley; thence along said alley, South 6 degrees 7 minutes West, 15.7 feet to a post; thence along the lot now or formerly of Floyd E. Ankabrandt, South 83 degrees 25 minutes East, 96.8 feet to a point; thence still along same, South 83 degrees 53 minutes East, 83.5 feet to a point on said Factory Street; thence along said Factory Street, North 6 degrees 13 minutes East, 16 feet to a point, the place of BEGINNING. IMPROVED with a two-story frame dwelling house known as and numbered 438 Factory Street. SUBJECT, HOWEVER, to such recorded easements, restrictions and conditions that may apply to the afore- described tract of land. TITLE TO SAID PREMISES IS VESTED IN Misty L. Carothers, married woman, by Deed from Misty L. Carothers and Charles E. Carothers, III, h/w, dated 11/15/2005, recorded 11/28/2005 in Book 272, Page 461. PREMISES BEING: 438 FACTORY STREET, CARLISLE, PA 17013-1851 PARCEL NO.: 06-20-1798-185 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 10-5115 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due PHH MORTGAGE CORPORATION Plaintiff (s) From MISTY L. CAROTHERS A/K/A MISTY CAROTHERS (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due$52,968.81 L.L.$.50 Interest FROM 10/12/2010 TO DATE OF SALE ($8.83 PER DIEM) - $1,253.86 Atty's Comm % Atty Paid $201.80 Plaintiff Paid Date: November 18, 2010 (Seal) REQUESTING PARTY: Deputy Name Andrew C. Bramblett, Esquire Address: Phelan Hallinan & Schmieg, LLP, 1617 JFK Boulevard, Suite 1400, One Penn Center Plaza, Philadelphia, PA 19103 Attorney for: Plaintiff Telephone: 215-563-7000 Due Prothy $2.00 Other Costs flPVzD David D Buell, Protho otary By: 4a 4%^ ' Supreme Court ID No. 208375 M7 T1F1 pC9 OFF jC.!' 2010 DEC 16 AM In: 11 MBERLAND cry, y, , E P lM i i S Y L.4'r,A Phelan Hallinan & Schmieg, LLP By: Lawrence T. Phelan, Esq., Id. No. 32227 Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 Allison F. Wells, Esq., Id. No. 309519 1617 JFK Boulevard, Suite 1400 ATTORNEY FOR PLAINTIFF One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 PHH MORTGAGE CORPORATION Plaintiff Court of Common Pleas V. MISTY L. CAROTHERS Civil Division CUMBERLAND County A/K/A MISTY CAROTHERS No.: 10-5115-CIVIL-TERM Defendant PLAINTIFF'S MOTION TO REASSESS DAMAGES 245778 Plaintiff, by its Attorneys, Phelan Hallinan & Schmieg, LLP, moves the Court to direct the Prothonotary to amend the judgment in this matter, and in support thereof avers the following: Plaintiff commenced this foreclosure action by filing a Complaint on August 4, 2010. 2. Judgment was entered on October 12, 2010 in the amount of $52,968.81. A true and correct copy of the praecipe for judgment is attached hereto, made part hereof, and marked as Exhibit "A". 3. Pursuant to Pennsylvania Rule of Civil Procedure 1037(b)(1), a default judgment containing a dollar amount must be entered for the amount claimed in the complaint and any item which can be calculated from the complaint, i.e. bringing the interest current. However, new items cannot be added at the time of entry of the judgment. 4. The Property is listed for Sheriffs Sale on March 2, 2011. 5. Additional sums have been incurred or expended on Defendant's behalf since the Complaint was filed and Defendant has been given credit for any payments that have been made since the judgment. The amount of damages should now read as follows: Principal Balance $48,132.88 Interest Through March 2, 2011 $4,737.04 Per Diem $9.73 Late Charges $116.16 Legal fees $1,300.00 Cost of Suit and Title $1,225.00 Sheriffs Sale Costs $0.00 Property Inspections/ Property Preservation $235.75 Appraisal/Brokers Price Opinion $375.00 Mortgage Insurance Premium / $115.68 Private Mortgage Insurance Non Sufficient Funds Charge $0.00 Suspense/Misc. Credits ($0.00) Escrow Deficit $1,836.24 TOTAL $58,073.75 245778 6. The judgment formerly entered is insufficient to satisfy the amounts due on the Mortgage. 7. Under the terms of the Mortgage and Pennsylvania law, Plaintiff is entitled to inclusion of the figures set forth above in the amount of judgment against the Defendant. 8. Plaintiff's foreclosure judgment is in rem only and does not include personal liability, as addressed in Plaintiff's attached brief. 9. In accordance with Cumberland County Local Rule 208.3(9), Plaintiff sent a copy of its proposed Motion to Reassess Damages and Order to the Defendant on December 8, 2010 and requested the Defendant's Concurrence. Plaintiff did not receive any response from the Defendant. A true and correct copy of Plaintiff's letter pursuant to Local Rule 208.3(9) and certification of mailing are attached hereto, made part hereof, and marked as Exhibit "B". 10. No judge has previously entered a ruling in this case. 245778 WHEREFORE, Plaintiff respectfully requests that this Honorable Court amend the judgment as requested. Phelan Hallinan & Schmieg, LLP DATE: _ %z-((Ttl0 By: LJ Lawrence T. Phelan, Esq., Id. No. 32227 ? Francis S. Hallinan, Esq., Id. No. 62695 ? Daniel G. Schmieg, Esq., Id. No. 62205 ? Michele M. Bradford, Esq., Id. No. 69849 ? Judith T. Romano, Esq., Id. No. 58745 ? Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua 1. Goldman, Esq., Id. No. 205047 ?ourtenay R. Dunn, Esq., Id. No. 206779 ? Andrew C. Bramblett, Esq., Id. No. 208375 ? Allison F. Wells, Esq., Id. No. 309519 ATTORNEY FOR PLAINTIFF 245778 Phelan Hallinan & Schmieg, LLP By: Lawrence T. Phelan, Esq., Id. No. 32227 Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 Allison F. Wells, Esq., Id. No. 309519 1617 JFK Boulevard, Suite 1400 ATTORNEY FOR PLAINTIFF One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 PHH MORTGAGE CORPORATION Plaintiff Court of Common Pleas Civil Division V. MISTY L. CAROTHERS CUMBERLAND County A/K/A MISTY CAROTHERS No.: 10-5115-CIVIL-TERM Defendant MEMORANDUM OF LAW IN SUPPORT OF PLAINTIFF'S MOTION TO REASSESS DAMAGES 245778 I. BACKGROUND OF CASE MISTY L. CAROTHERS A/K/A MISTY CAROTHERS executed a Promissory Note agreeing to pay principal, interest, late charges, real estate taxes, hazard insurance premiums, and mortgage insurance premiums as these sums became due. Plaintiffs Note was secured by a Mortgage on the Property located at 438 FACTORY STREET, CARLISLE, PA 17013-1851. The Mortgage indicates that in the event of a default in the mortgage, Plaintiff may advance any necessary sums, including taxes, insurance, and other items, in order to protect the security of the Mortgage. In the instant case, Defendant defaulted under the Mortgage by failing to tender numerous, promised monthly mortgage payments. Accordingly, after it was clear that the default would not be cured, Plaintiff commenced the instant mortgage foreclosure action. Judgment was subsequently entered by the Court, and the Property is currently scheduled for Sheriffs Sale. Because of the excessive period of time between the initiation of the mortgage foreclosure action, the entry of judgment and the Sheriffs Sale date, damages as previously assessed are outdated and need to be adjusted to include current interest, real estate taxes, insurance premiums, costs of collection, and other expenses which Plaintiff has been obligated to pay under the Mortgage in order to protect its interests. It is also appropriate to give Defendant credit for monthly payments tendered through bankruptcy, if any. II. LEGAL ARGUMENT TO AMEND PLAINTIFF'S IN REM JUDGMENT It is settled law in Pennsylvania that the Court may exercise its equitable powers to control the enforcement of a judgment and to grant any relief until that judgment is satisfied. 20 P.L.E., Judgments § 191. Stephenson v. Butts, 187 Pa.Super. 55, 59, 142 A.2d 319, 321 (1958). Chase 245778 Home Mortgage Corporation of the Southwest v. Good, 537 A.2d 22, 24 (Pa.Super. 1988). The Pennsylvania Superior Court has repeatedly cited the right of a foreclosing creditor to amend its judgment prior to the Sheriffs sale. Nationsbanc Mortgage Corp. v. Grillo, 827 A.2d 489 (Pa.Super. 2003). Morgan Guaranty Trust Co. of N.Y. v. Mowl, 705 A.2d 923 (Pa. Super. 1998). Union National Bank of Pittsburgh v. Ciongoli, 407 Pa.Super. 171, 595 A.2d 179 (1991). The Supreme Court of Pennsylvania recognized in Landau v. Western Pa. Nat. Bank 445 Pa. 117, 282 A.2d 335 (1971), that the debt owed on a Mortgage is subject to change and, in fact, can be expected to change from day to day because the bank must advance sums in order to protect its collateral. Because a Mortgage lien is not extinguished until the debt is paid, Plaintiff must protect its collateral up until the date of sale. Beckman v. Altoona Trust Co., 332 Pa. 545, 2 A.2d 826 (1939). Because a judgment in mortgage foreclosure is strictly in rem, it is critical that the judgment reflect those amounts expended by the Plaintiff in protecting the property. Meco Reality Company v. Burns, 414 Pa. 495, 200 A.2d 335 (1971). Plaintiff submits that if it goes to sale without the requested amended judgment, and if there is competitive bidding for the Property, Plaintiff will suffer a significant loss in that it would not be able to recoup monies it advanced to protect its interests. Conversely, amending the in rem judgment will not be detrimental to Defendant as it imputes no personal liability. In B.C.Y. v. Bukovich, the Pennsylvania Superior Court reiterated its long standing rule that a Court has the inherent power to correct a judgment to conform to the facts of a case. 257 Pa. Super. 157, 390 A.2d 276 (1978). In the within case, the amount of the original judgment does not adequately reflect the additional sums due on the Mortgage due to Defendant's failure to tender payments during the foreclosure proceeding and the advances made by the mortgage company. The Mortgage plainly requires the mortgagor to tender to the mortgagee monthly payments of principal 245778 and interest until the Promissory Note accompanying the Mortgage is paid in full. The mortgagor is also required to remit to the mortgagee sufficient sums to pay monthly mortgage insurance premiums, fire insurance premiums, taxes and other assessments relating to the Property. The mortgagor has breached the terms of the Mortgage, and Plaintiff has been forced to incur significant unjust financial losses on this loan. III. THE FORECLOSURE JUDGMENT IS IN REM ONLY The within case is a mortgage foreclosure action, the sole purpose of which is to take the mortgaged property to Sheriffs Sale. Pennsylvania law makes clear that an action in mortgage foreclosure is strictly in rem and does not include any personal liability. Newtown Village Partnership v. Kimmel, 424 Pa. Super 53, 55, 621 A.2d 1036, 1037 (1993). Signal Consumer Discount Company v. Babuscio, 257 Pa. Super 101, 109, 390 A.2d 266, 270 (1978). Pennsylvania Rule of Civil Procedure 1141(a). However, Pennsylvania law requires that the foreclosure action demand judgment for the amount due. Pa.R.C.P. 1147(6). The purpose of the dollar amount in the in rem judgment is for bidding at the Sheriff s Sale. In the event that a third party real estate speculator were to bid on the mortgaged property at the Sheriffs Sale and become the successful purchaser, Plaintiff would receive the amount of the in rem judgment from the Sheriff. IV. INTEREST The Mortgage clearly requires that the Defendant shall promptly pay when due the principal and interest due on the outstanding debt. In addition, the Note specifies the rate of interest to be 245778 charged until the debt is paid in full or otherwise satisfied. Specifically, interest from 30 days prior to the date of default through the date of the impending Sheriff's sale has been requested. V. TAXES AND INSURANCE If Plaintiff had not advanced monies for taxes and insurance throughout the foreclosure proceeding, Plaintiff would have risked loss of its collateral. If the Property were sold at a tax sale, Plaintiffs interest very well may be divested, and Plaintiff would sustain a complete loss on the outstanding balance due on the loan. If the Property were damaged in a fire, Plaintiff would not be able to obtain insurance proceeds to restore the Property if it did not pay the insurance premiums. Most importantly, the Mortgage specifically provides that the mortgagee may advance the monies for taxes and insurance and charge these payments against the escrow account. Plaintiff is simply seeking to have the Court enforce the terms of the Mortgage. VI. ATTORNEY'S FEES The amount of attorney's fees requested in the Motion to Reassess Damages is in accordance with the loan documents and Pennsylvania law. Pennsylvania Courts have long and repeatedly concluded that a request of five percent of the outstanding principal balance is reasonable and enforceable as an attorney's fee. Robinson v. Loomis, 51 Pa. 78 (1865); First Federal Savings and Loan Association v. Street Road Shopping Center, 68 D&C 2d 751, 755 (1974). In Federal Land Bank of Baltimore v. Fetner, the Superior Court held that an attorney's fee of ten percent of the original mortgage amount is not unconscionable. 410 A.2d 344 (Pa. Super. 1979). Recently, the Superior Court cited Fetner in confirming that an attorney's fee of ten percent included in the judgment in mortgage foreclosure action was reasonable. Citicorp v. Morrisville 245778 Hampton Realty, 662 A.2d 1120 (Pa. Super. 1995). Importantly, Plaintiff recognizes this Honorable Court's equitable authority to set attorney's fees and costs as it deems reasonable. VII. COST OF SUIT AND TITLE Pursuant to the terms of the mortgage, Plaintiff is entitled to recover all expenses incurred in the foreclosure action. The amount claimed for the costs of suit and title are the expenses Plaintiff paid to date as a result of the mortgage default. The title report is necessary to determine the record owners of the property, as Pa.R.C.P. 1144 requires all record owners to be named as Defendants in the foreclosure action. It is also necessary to determine whether there are any prior liens to be cleared, so that the Sheriff's sale purchaser acquires clear title to the property. It is necessary to determine if there are IRS liens on the property, whether the Defendants are divorced (which could affect service of the complaint), and numerous other legal issues. The title bringdown is necessary to identify any new liens on the property or new owners between the time of filing and complaint and the writ date. The Freedom of Information Act inquiries and the investigation into Defendants' whereabouts are necessary to effectively attempt personal service of the complaint and notice of sale on the Defendant. The notice of sale and Rule 3129 notice are required by Pa.R.C.P.3129.1 and 3129.2 to notify all lienholders, owners, and interested persons of the Sheriff's sale date, as their interests will be divested by the Sheriff's sale. Accordingly, the modest sums Plaintiff has incurred for the costs of suit and title were necessary pursuant to Pennsylvania law. The amounts were reasonable and actually incurred. The mortgage and Pennsylvania law permit Plaintiff to recover these sums through its 245778 foreclosure action. As the foreclosure action is in rem only, Plaintiff recovers its judgment from the sale of the property, not out of the Defendant's pockets. Plaintiff should recover the costs of suit and title in their entirety, which will not cause harm to the Defendants. VIII. CONCLUSION Therefore, Plaintiff respectfully submits that if the enforcement of its rights is delayed by legal proceedings, and such delays require the mortgagee to expend additional sums provided for by the Mortgage, then the expenses necessarily become part of the mortgagee's lien and should be included in the judgment. Plaintiff respectfully requests that this Honorable Court grant its Motion to Reassess Damages. Plaintiff submits that it has acted in good faith in maintaining the Property in accordance with the Mortgage, and has relied on terms of the Mortgage with the understanding that it would recover the monies it expended to protect its collateral. 245778 WHEREFORE, Plaintiff respectfully requests that this Honorable Court amend the judgment as requested. Phelan Hallinan & Schmieg, LLP DATE: ( (,.o?rYl-10' By: ? Lawrence T. Phelan, Esq., Id. No. 32227 ? Francis S. Hallinan, Esq., Id. No. 62695 ? Daniel G. Schmieg, Esq., Id. No. 62205 ? Michele M. Bradford, Esq., Id. No. 69849 ? Judith T. Romano, Esq., Id. No. 58745 ? Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua I. Goldman, Esq., Id. No. 205047 ourtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 ? Allison F. Wells, Esq., Id. No. 309519 Attorney for Plaintiff 245778 % 'IV Exhibit "A" 245778 Phelan Hallinan & Schmieg, LLP By: Lawrence T. Phelan, Esq., Id. No. 32227 Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id: No. 62205 Michele M. Bradford, l sq.,'14&' N o. 69849 .45 Judith T. Romano, Esq., I td Sheetal R. Shah- Jani, Esq No?0 Jemne R. Davey, Esq., Id. No'( ?e, Lauren R. Tabas, Esq., Id. No. 0 Vivek Srivastava, Esq., Id. No. 20 1 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 PHH MORTGAGE CO ON . V VS. MISTY L. CAROTHERS A/K/A,p- , ,. MISTY CAROTHERS E Attorney for Plaintiff C--) C) nj C=? .-{ Cc-') G CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION No. 10-5115-CIVIL-TERM PRAECIPE FOR IN REM JUDGMENT FOR FAILURE TO ANSWER AND ASSESSMENT OF DAMAGES TO THE PROTHONOTARY: Kindly enter judgment in favor of the Plaintiff and against MISTY L. CAROTHERS A/K/A MISTY CAROTHERS. Defendant(s) for failure to file an Answer to Plaintiff s Complaint within 20 days from service thereof and for foreclosure and sale of the mortgaged premises, and assess Plaintiff's damages as follows: 245778 As set forth in Complaint $52,268.71 Interest - 08/02/2010 to 10/11/2010 $700.10 TOTAL $52,968.81 I hereby certify that (1) the Defendant's last known address is 3301 STERETT PLACE, SAN DIEGO, CA 92123-2052, and mortgaged premises located at 438 FACTORY STREET, CARLISLE, PA 17013-1851, and (2) that notice has been given in accordance wiI Rule 237.1, copy attached. / ?n , LJ L a e T. Phelan Esq., Id. No. 32227 ? F cis . Hallin , Esq., Id. No. 62695 ? D iel c ' g, Esq., Id. No. 62205 ? Michele M. Bradford, Esq., Id. No. 69849 ? Judith T. Romano, Esq., Id. No. 58745 ? Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 hrisovalante P. Fliakos, Esq., Id. No. 94620 Z Joshua I. Goldman, Esq., Id. No. 205047 ? Courtenay R. Dunn, Esq., Id. No. 206779 ? Andrew C. Bramblett, Esq., Id. No. 208375 Attorney for Plaintiff DAMAGES ARE HEREBY ASSESSED AS INDICATED. DATE: PHS # 245778 PROTHONOTARY 245778 Exhibit "B" 245778 a .a W U cn z .a a? x Q .a x a 0 C 0 .N v U a b .C C ? h b zoo a o ? v c o c a q o v N E cw'aQ r v v 7 E c v `" Fy E c `° o N c a ?+ £ O L6 L 3003dIZ MaA 4311VW : E 2 w .o OLOZ 80030 99ZLLZt7000 : v 0 o 0 9Z30 $ W L Z o v A 3 o s3An0e A3N31d Am c ® MMM 9® O .. Tv-EE v o E ? v ? Y w ? U N ^ O D V o O v o >, G M N ? _ ,F ° E co v. r•M C O w E N Q eq y o,? Ev 00 v C - O O V s - O v h Vi W r C? rr M h w a ioo y v?oo L ti F r v? w a "o z Q a W u W U W z w d ? O a a, ? ? o R a a c 1-0 `? G ? w z G? M M Ow o E a LU ? V 1 ? ran W o 0 0 V U U U Q a0 ?a ? ' H H H c b„ z > I y H ' R N .D ? Or0 0?0 0?0 V N N N a . -. ¢ r?i ?ir Nr vz ? y c ? ?^ N M ? Vl \O - 00 Q? O N M V? o v F G. 00 tn N PHELAN HALLINAN & SCHMIEG, LLP 1617 John F. Kennedy Boulevard Suite 1400 Philadelphia, PA 19103 (215) 563-7000 FAX#: (215) 563-3459 Phelan Hallinan & Schmieg, LLP Representing Lenders in Pennsylvania and New Jersey December 8, 2010 MISTY L. CAROTHERS A/K/A MISTY CAROTHERS 3301 STERETT PLACE SAN DIEGO, CA 92123-2052 RE: PHH MORTGAGE CORPORATION v. MISTY L. CAROTHERS, A/K/A MISTY CAROTHERS Premises Address: 438 FACTORY STREET CARLISLE,, PA 17013 CUMBERLAND County CCP, No. 10-5115-CIVIL-TERM Dear Defendant, Enclosed please find a true and correct copy of my proposed Motion to Reassess Damages and Order. In accordance with Cumberland County Local Rule 208.3(9), I am seeking your concurrence with the requested relief that is, increasing the amount of the judgment. Please respond to me within 5 days, by December 13, 2010. Should you have further questions or concerns, please do not hesitate to contact me. Otherwise, please be guided accordingly. Very truly yours, 4awrence T. Phelan, Esquire Francis S. Hallinan, Esquire Daniel G. Schmieg, Esquire Michele M. Bradford, Esquire Judith T. Romano, Esquire Sheetal R. Shah-Jani, Esquire Jenine R. Davey, Esquire Lauren R. Tabas, Esquire 245778 Vivek Srivastava; Esquire Jay B. Jones, Esquire Peter J. Mulcahy, Esquire Andrew L. Spivack, Esquire Jaime McGuinness, Esquire Chrisovalante P. Fliakos, Esquire Joshua I. Goldman, Esquire Courtenay R. Dunn, Esquires-, Andrew C. Bramblett, Esquire Allison F. Wells, Esquire Enclosure 245778 VERIFICATION I hereby state that I am the attorney for Plaintiff in this action, that I am authorized to make this verification, and that the statements made in the foregoing Motion to Reassess Damages are true and correct to the best of my knowledge, information and belief. The undersigned understands that this statement herein is made subject to the sworn penalties of 18 Pa.C.S. §4904 relating to the unsworn falsification of authorities. Phelan Hallinan & Schmieg, LLP DATE: © By: [J Lawrence T. Phelan, Esq., Id. No. 32227 ? Francis S. Hallinan, Esq., Id. No. 62695 ? Daniel G. Schmieg, Esq., Id. No. 62205 ? Michele M. Bradford, Esq., Id. No. 69849 ? Judith T. Romano, Esq., Id. No. 58745 ? Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua I. Goldman, Esq., Id. No. 205047 ?ourtenay R. Dunn, Esq., Id. No. 206779 ? Andrew C. Bramblett, Esq., Id. No. 208375 ? Allison F. Wells, Esq., Id. No. 309519 ATTORNEY FOR PLAINTIFF 245778 Phelan Hallinan & Schmieg, LLP By: Lawrence T. Phelan, Esq., Id. No. 32227 Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 Allison F. Wells, Esq., Id. No. 309519 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 PHH MORTGAGE CORPORATION Plaintiff ATTORNEY FOR PLAINTIFF Court of Common Pleas Civil Division V. MISTY L. CAROTHERS A/K/A MISTY CAROTHERS Defendant CUMBERLAND County No.: 10-5115-CIVIL-TERM CERTIFICATION OF SERVICE 245778 I hereby certify that true and correct copies of Plaintiffs Motion to Reassess Damages, and Brief in Support thereof, were sent to the following individual on the date indicated below. MISTY L. CAROTHERS MISTY L. CAROTHERS A/K/A MISTY CAROTHERS A/K/A MISTY CAROTHERS 3301 STERETT PLACE 438 FACTORY STREET SAN DIEGO, CA 92123-2052 CARLISLE, PA 17013-1851 MISTY L. CAROTHERS A/K/A MISTY CAROTHERS 7 PINEY CT GARDNERS, PA 17324-8912 Phelan Hallinan & Schmieg, LLP DATE: By: ? Lawrence T. Phelan, Esq., Id. No. 32227 ? Francis S. Hallinan, Esq., Id. No. 62695 ? Daniel G. Schmieg, Esq., Id. No. 62205 ? Michele M. Bradford, Esq., Id. No. 69849 ? Judith T. Romano, Esq., Id. No. 58745 ? Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua I. Goldman, Esq., Id. No. 205047 12 Courtenay R. Dunn, Esq., Id. No. 206779 ? Andrew C. Bramblett, Esq., Id. No. 208375 ? Allison F. Wells, Esq., Id. No. 309519 ATTORNEY FOR PLAINTIFF 245778 S THE PRO rF C? 2010 DEC 2 , AM CUMBERLAND CoUti PENNSYLVANIA DEC 2 0 2010 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA PHH MORTGAGE CORPORATION Plaintiff V. MISTY L. CAROTHERS A/K/A MISTY CAROTHERS Defendant Court of Common Pleas Civil Division CUMBERLAND County No.: 10-5115-CIVIL-TERM ll-r RULE AND NOW, this day o " eir "-010, a Rule is entered upon the Defendant to show cause why an Order should not be entered granting Plaintiff's Motion to Reassess Damages. Defendant(s) shall have twenty (20) days of the date of this Order to file a responsive pleading to Plaintiff's Motion to Reassess Damages. If no response is filed with the Court, Plaintiff may file a Motion to Make Rule Absolute and no hearing will be scheduled on this matter. BY THE COURT CO t ?S M4 l tzGC r G 245778 FILED-OFFICE OF THE PROTHONOTARY 2010 DEC 29 AM 10. 15 00 PB NNSYLVAN A COUNTY Phelan Hallinan & Schmieg, LLP By: Lawrence T. Phelan, Esq., Id. No. 32227 ATTORNEY FOR PLAINTIFF Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua 1. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 Allison F. Wells, Esq., Id. No. 309519 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 PHH MORTGAGE CORPORATION Court of Common Pleas Plaintiff Civil Division V. CUMBERLAND County MISTY L. CAROTHERS A/K/A MISTY CAROTHERS No.: 10-5115-CIVIL-TERM Defendant CERTIFICATION OF SERVICE 245778 I hereby certify that a true and correct copy of our Motion to Reassess Damages noting a Rule Return date of January 9, 2011 was sent to the following individual on the date indicated below. MISTY L. CAROTHERS A/K/A MISTY CAROTHERS 3301 STERETT PLACE SAN DIEGO, CA 92123-2052 MISTY L. CAROTHERS A/K/A MISTY CAROTHERS 7 PINEY CT GARDNERS, PA 17324-8912 DATE: I Aa%\ D MISTY L. CAROTHERS A/K/A MISTY CAROTHERS 438 FACTORY STREET CARLISLE, PA 17013-1851 Phelan Hallinan & Schmie2, LLP By: U La ence T. Phelan, Esq., Id)No. 32227 ? Fra is S. Hallinan, Esq., Id. No. 62695 ? D ' 1 G. Schmieg, Esq., Id. No. 62205 ? Mic ele M. Bradford, Esq., Id. No. 69849 ? Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua I. Goldman, Esq., Id. No. 205047 ? Courtenay R. Dunn, Esq., Id. No. 206779 ? Andrew C. Bramblett, Esq., Id. No. 208375 ? Allison F. Wells, Esq., Id. No. 309519 ATTORNEY FOR PLAINTIFF 245778 FILED-OFFICE OF THE PROTHONOTARY 2011 i;li 35 CUMBI QTY Phelan Hallinan & Schmieg, LLP By: Lawrence T. Phelan, Esq., Id. No. 32227 Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 Allison F. Wells, Esq., Id. No. 309519 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 PHH MORTGAGE CORPORATION Plaintiff V. MISTY L. CAROTHERS A/K/A MISTY CAROTHERS Defendant ATTORNEY FOR PLAINTIFF Court of Common Pleas Civil Division CUMBERLAND County No.: 10-5115-CIVIL-TERM MOTION TO MAKE RULE ABSOLUTE 245778 PHH MORTGAGE CORPORATION, by and through its attorneys, Phelan Hallinan & Schmieg, LLP, hereby petitions this Honorable Court to make Rule to Show Cause absolute in the above-captioned action, and in support thereof avers as follows: 1. That it is the Plaintiff in this action. 2. A Motion to Reassess Damages was filed with the Court on December 16, 2010. 3. In accordance with Cumberland County Local Rule 208.3(9), Plaintiff sent a copy of its proposed Motion to Reassess Damages and Order to the Defendant on December 8, 2010 and requested the Defendant's Concurrence. Plaintiff did not receive any response from the Defendant. True and correct copies of Plaintiff's letter pursuant to Local Rule 208.3(9) and certificate of mailing are attached hereto, made part hereof, and marked as Exhibit "A". 4. A Rule was issued by the Honorable Albert Masland on or about December 20, 2010 directing the Defendant to show cause why the Motion to Reassess Damages should not be granted. A true and correct copy of the Rule is attached hereto, made part hereof, and marked Exhibit "B". 5. The Rule to Show Cause was timely served upon all parties on December 28, 2010, in accordance with the applicable rules of civil procedure. A true and correct copy of the Certificate of Service is attached hereto, made part hereof, and marked Exhibit "C". 6. Defendant failed to respond or otherwise plead by the Rule Returnable date of January 10, 2011. 245778 WHEREFORE, Plaintiff requests that this Honorable Court make the Rule to Show Cause absolute and grant Plaintiff's Motion to Reassess Damages. Phel Hallman & Schmieg, LLP DATE: By: La ence . Phelan, Esq., 27 ? F cis S. Hallinan, Esq., Id. No. 62695 aniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 ? Judith T. Romano, Esq., Id. No. 58745 ? Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua I. Goldman, Esq., Id. No. 205047 ? Courtenay R. Dunn, Esq., Id. No. 206779 ? Andrew C. Bramblett, Esq., Id. No. 208375 ? Allison F. Wells, Esq., Id. No. 309519 ATTORNEY FOR PLAINTIFF 245778 Phelan Hallinan & Schmieg, LLP By: Lawrence T. Phelan, Esq., Id. No. 32227 Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 Allison F. Wells, Esq., Id. No. 309519 1617 JFK Boulevard, Suite 1400 ATTORNEY FOR PLAINTIFF One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 PHH MORTGAGE CORPORATION Plaintiff V. MISTY L. CAROTHERS A/K/A MISTY CAROTHERS Court of Common Pleas Civil Division CUMBERLAND County No.: 10-5115-CIVIL-TERM Defendant BRIEF IN SUPPORT OF PLAINTIFF'S MOTION TO MAKE RULE ABSOLUTE 245778 A Motion to Reassess Damages was filed with the Court on December 16, 2010. A Rule was entered by the Court on or about December 20, 2010 directing the Defendant to show cause why the Motion to Reassess Damages should not be granted. The Rule to Show Cause was timely served upon all parties on December 28, 2010 in accordance with the applicable rules of civil procedure. Defendant failed to respond or otherwise plead by the Rule Returnable date of January 10, 2011. 245778 WHEREFORE, Plaintiff requests that this Honorable Court make the Rule to Show Cause absolute and grant Plaintiff's Motion to Reassess Damages. Phel Hallinan & Schmieg, LLP DATE: By; ? La ence T. Phelan, Esq., Id. No. 2227 ? F *cis S. Hallinan, Esq., Id. No. 62695 ? aniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 ? Judith T. Romano, Esq., Id. No. 58745 ? Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua 1. Goldman, Esq., Id. No. 205047 ? Courtenay R. Dunn, Esq., Id. No. 206779 ? Andrew C. Bramblett, Esq., Id. No. 208375 ? Allison F. Wells, Esq., Id. No. 309519 ATTORNEY FOR PLAINTIFF 245778 Exhibit "A" 245778 ?P 0 0 Y a? W o x? 0 W °' a x ? U .¢a a C f1. Q tY ? L C ? cC `? O rz -0 zQ0 c. o a ? c a 12 c v+ a Q u r h E y v 2 v. . N I1 C '7 C . d O C o gar ;? . r. ? «f7 _ ,gg A 7 vii o b ;? S y E u V o a d ,d ? W E c? v g ? C ut ?tl u V y G ? G O j Y .? V u d U y N . o U 1 0 tn 00 `x m N [rj ,.., M . o o L` v ° c E c ? r1 rl > O O '? w ? r e ow E?? E 2 E? 00 A u M 0 0 w aC A PC Z b d V Q V] G/) °° y U w z E ?a a . a e? F d r aw o ' M a r le `- i v i u v v o o -4 a a a a? F F FW N z t t N N tn N 'I a x a o O . -' ? z u a -- N M v ?n ?o l- 00 a o cv c? v ^ Fy° 00 n W) N PHELAN HALLINAN & SCHMIEG, LLP 1617 John F. Kennedy Boulevard Suite 1400 Philadelphia, PA 19103 (215) 563-7000 FAX#: (215) 563-3459 Phelan Hallinan & Schmieg, LLP Representing Lenders in Pennsylvania and New Jersey December 8, 2010 MISTY L. CAROTHERS A/K/A MISTY CAROTHERS 3301 STERETT PLACE SAN DIEGO, CA 92123-2052 RE PHH MORTGAGE CORPORATION v. MISTY L. CAROTHERS, A/K/A MISTY CAROTHERS Premises Address: 438 FACTORY STREET CARLISLE, PA 17013 CUMBERLAND County CCP, No. 10-5115-CIVIL-TERM Dear Defendant, Enclosed please find a true and correct copy of my proposed. Motion to Reassess Damages and Order. In accordance with Cumberland County Local Rule 208.3(9), I am seeking your concurrence with the requested relief that is, increasing the amount of the judgment. Please respond to me within 5 days, by December 13, 2010. Should you have further questions or concerns, please do not hesitate to contact me. Otherwise, please be guided accordingly. Very truly yours, wrc?nce T. Phelan, Esquire Francis S. Halllinan, Esquire Daniel G. Schmieg, Esquire Michele M. Bradford, Esquire Judith T. Romano, Esquire Sheetal R. Shah-Jani, Esquire Jenine R. Davey, Esquire Lauren R. Tabas, Esquire 245778 Vivek Srivastava., Esquire Jay B. Jones, Esquire Peter J. Mulcahy, Esquire Andrew L. Spivack, Esquire Jaime McGuinness, Esquire Chrisovalante P. Fliakos, Esquire Joshua I. Goldman, Esquire Courtenay R. Dunn, Esquirs-.- Andrew C. Bramblett, Esquire Allison F. Wells, Esquire Enclosure 245778 Exhibit "B" 245778 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA PHH MORTGAGE CORPORATION Plaintiff v. MISTY L. CAROTHERS A/K/A MISTY CAROTHERS Court of Common Pleas Civil Division CUMBERLAND County No.: 10-5115-CIVIL-TERM Defendant RULE AND NOW, this day of r y010, a Rule is entered upon the Defendant to show cause why an Order should not be entered granting Plaintiff's Motion to Reassess Damages. Defendant(s) shall have twenty (20) days of the date of this Order to file a responsive pleading to Plaintiff's Motion to Reassess Damages. If no response is filed with the Court, Plaintiff may file a Motion to Make Rule Absolute and no hearing will be scheduled on this matter. BY THE COURT ;;,av??.?y?i Gw<< 245778 Exhibit "C" 245778 r41W13-tJi I"IC? tar 71% 1'O?IOdUTAI't`t' IRto Phelan Hallinan & Schmieg, LLP By: Lawrence T. Phelan, Esq., Id. No. 32227. ATTORNEY FOR PLAINTIFF Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones; Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No? atfaww Joshua I. Goldman, Esq., Id. No. 205047 t Courtenay R. Dunn, Esq., Id. No. 206779 a. Andrew C. Bramblett, Esq., Id. No. 208375 Allison F. Wells, Esq., Id. No. 309519 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 PHH MORTGAGE CORPORATION Plaintiff Court of Common Pleas V. MISTY L. CAROTHERS A/K/A MISTY CAROTHERS Defendant Civil Division CUMBERLAND County ts?. _ CIVIL-'T'ERM CERTIFICATION OF SE11VICI, 245778 I hereby certify that a true and correct copy of our Motion to Reassess Damages noting a Rule Return date of January 9, 2011 was sent to the following individual on the date indicated below. MISTY L. CAROTH SP W-9 A/K/A MISTY CAROTHERS 3301 STERETT PLACE SAN DIEGO, CA 92123-2052 MISTY L. CAROTHERS A/K/A MISTY CAROTHERS 7 PINEY CT GARDNERS, PA 17324-8912 DATE: 1c3- D MISTY L. CAROTHERS A/K/A MISTY CAROTHERS 438 FACTORY STREET CARLISLE, PA 17013-1851 Phelan Hallinan & Se ieg, LLP LJ La ence T. Phelan, Esq., Id)No. 32227 ? Fr is S. Hallinan, Esq., Id. No. 62695 ? D ' 1 G. Schmieg, Esq., Id. No. 62205 ? Mic ele M. Bradford, Esq., Id. No. 69849 ? Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua I. Goldman, Esq. WNo. 205047 ? Courtenay R. Dunrl,fi!O No. 206779 ? An w;C pBT tLsq., Id. No. 208375 ? Alli?;'Esq., Id. No. 309519 A'ITORNEY FOR PLAINTIFF 245779 VERIFICATION I hereby state that I am the attorney for Plaintiff in this action, that I am authorized to make this verification, and that the statements made in the foregoing Motion to Make Rule Absolute are true and correct to the best of my knowledge, information and belief. The undersigned understands that this statement herein is made subject to the sworn penalties of 18 Pa.C.S. §4904 relating to the unworn falsification of authorities. DATE: 1 )11 Ilt By: Hallinan & Schmieg, LLP n? A . A /1 L'a" ence T. Phelan, Esq., 2227 ? F cis S. Hallinan, Esq., Id. No. 6269 ? aniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 ? Judith T. Romano, Esq., Id. No. 58745 ? Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua I. Goldman, Esq., Id. No. 205047 ? Courtenay R. Dunn, Esq., Id. No. 206779 ? Andrew C. Bramblett, Esq., Id. No. 208375 ? Allison F. Wells, Esq., Id. No. 309519 ATTORNEY FOR PLAINTIFF 245778 Phelan Hallinan & Schmieg, LLP By: Lawrence T. Phelan, Esq., Id. No. 32227 Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 hecklh T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 Andrew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 Andrew C. Bramblett, Esq., Id. No. 208375 Allison F. Wells, Esq., Id. No. 309519 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 PHH MORTGAGE CORPORATION Plaintiff ATTORNEY FOR PLAINTIFF Court of Common Pleas Civil Division V. MISTY L. CAROTHERS A/K/A MISTY CAROTHERS CUMBERLAND County No.: 10-5115-CIVIL-TERM Defendant CERTIFICATION OF SERVICE 245778 I hereby certify that true and correct copies of Plaintiff's Motion to Make Rule Absolute and Brief in Support thereof were served upon the following individual on the date indicated below. MISTY L. CAROTHERS MISTY L. CAROTHERS A/K/A MISTY CAROTHERS A/K/A MISTY CAROTHERS 3301 STERETT PLACE 438 FACTORY STREET SAN DIEGO, CA 92123-2052 CARLISLE, PA 17013-1851 MISTY L. CAROTHERS A/K/A MISTY CAROTHERS 7 PINEY CT GARDNERS, PA 17324-8912 Phelan Hallinan & Schmieg, LLP IK A/ A DATE: By: L ence T. P e an, q., Id. N.2227 cis S. Hallinan, Esq., Id. No. 62695 el G. Schmieg, Esq., Id. No. 62205 hele M. B radford, Esq., Id. No. 69849 Fm7c ? Judith T. Romano, Esq., Id. No. 58745 ? Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua I. Goldman, Esq., Id. No. 205047 ? Courtenay R. Dunn, Esq., Id. No. 206779 ? Andrew C. Bramblett , Esq., Id. No. 208375 ? Allison F. Wells, Esq., Id. No. 309519 ATTORNEY FOR PLAINTIFF 245778 e ? I I:ILEO-OFFICE OF THE PROTHONOTARY C- 2011 JAN 20 AM 9: 5 7 z CU RLA?ND COUNTY ENSYLVANIA -: ZJ 1--4 M Ul IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PHH MORTGAGE CORPORATION Court of Common Pleas Plaintiff V. MISTY L. CAROTHERS A/K/A MISTY CAROTHERS Defendant Civil Division CUMBERLAND County No.: 10-5115-CIVIL-TERM ORDER AND NOW, this day of ?J?aAIV2011, upon consideration of Plaintiff's Motion to Make Rule Absolute, it is hereby ORDERED and DECREED, that the Rule entered upon Defendant shall be and is hereby made absolute; and Plaintiff's Motion to Reassess Damages in the above captained matter is hereby GRANTED. The Prothonotary is ordered to amend the judgment and the Sheriff is ordered to amend the writ nunc pro tunc as follows: Principal Balance $48,132.88 Interest Through March 2, 2011 $4,737.04 Per Diem $9.73 Late Charges $116.16 Legal fees $1,300.00 Cost of Suit and Title $1,225.00 Sheriffs Sale Costs $0.00 Property Inspections/ Property Preservation $235.75 Appraisal/Brokers Price Opinion $375.00 Mortgage Insurance Premium / $115.68 Private Mortgage Insurance 5 245778 r Non Sufficient Funds Charge Suspense/Misc. Credits Escrow Deficit $0.00 ($0.00) $1,836.24 TOTAL $58,073.75 Plus interest from March 2, 2011 through the date of sale at six percent per annum. Note: The above figure is not a payoff quote. Sheriffs commission is not included in the above figure. BY' ? O T ? J. ?helan , l-Wlinan + Arnie j 245778 May L . C2a,ralhom of k1a Mid OAmihers, De{ p,i led CAP' „ ?/;,DI ,,X8 245778 • IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CUMBERLAND COUNTY COURT OF COMMON PLEAS V. C-n CIVIL DIVISION "-- MISTY L. CAROTHERS A/K/A MISTY' CAROTHERS No.:10-5115-CIVIL-TERM i Defendant(s) : ry AFFIDAVIT OF SERVICE PURSUANT TO RULE 3129.1 COMMONWEALTH OF PENNSYLVANIA ) PHILADELPHIA COUNTY ) SS: PHH MORTGAGE CORPORATION Plaintiff, As required by Pa. R.C.P. 3129.1(a) Notice of Sale has been given to Lienholders and any known interested party in the manner required by Pa. R.C.P. 3129.2(c) on each of the persons or parties named, at that address, set forth on the Affidav' R and as amended if applicable. A copy of the Certificate of Mailing (Form 3817 fied Mail Return Receipt stamped by the U.S. Postal Service is attached re hib". Date: U Lawrence 'T. Phelan, Esq., Id. No. 32227 ? Francis S. Hallinan, Esq., Id. No. 62695 ? Daniel G. Schmieg, Esq., Id. No. 62205 ? Michele M. Bradford, Esq., Id. No. 69849 ? Judith T. Romano, Esq., Id. No. 58745 ? Fauren . Shah-Jani, Esq., Id. No. 81760 ? Davey, Esq., Id. No. 87077 . Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua I. Goldman, Esq., Id. No. 205047 ? Courtenay R. Dunn, Esq., Id. No. 206779 ? Andrew C. Bramblett, Esq., Id. No. 208375 ? Allison F. Wells, Esq., Id. No. 309519 Attorney for Plaintiff IMPORTANT NOTICE: This property is sold at the direction of the plaintiff. It may not be sold in the absence of a representative of the plaintiff at the Sheriffs Sale. The sale must be postponed or stayed in the event that a representative of the plaintiff is not present at the sale. PHS # 245778 M 1% ?? ? 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C q y O fl r' A ? ~ , V 'u W ? ? ' ? • •I y ? r7 ? ? C 4 a a y Fem.,. w?M .? oVi y i ?a O ? ? q U N u in ? i a a ? a o y '? V, a a ri O w r O ~ ri? qN o cs: ?? .d ~ .«+ d > ca c IN Q m° N ` d1 U?Qy i.O OU Or ?w O > ry COQ C DL d`'" d .'et d? Or •. i ..? ' O ' gy -O uW.N a ?.. ""? uV pN e4 V •p 'O u a OO W q !"? Cu '0 ai a ? a O (? V.wb .. V Cr to ii,R7 V1 ,6 y...+.' " t s. V M p O .OUOOyO q a 0.? . q a in OR O? ? C7 c+.0 '? ?(..I? ?ti W ? ~V it yN C 9 ?! C O O .a a m y. -...., .O 1. t C6,20 q N ONR bpa C O ?> r ? w? ?e w° C> d O . y. w 3 ' r '??' E q Z _M ' 8 H. Z. L O O M M CQ m 8 a s. O.dQ? a ++OC ? t V1 &0 ON W . =-A V'M.V 'D 2 ..... d d?Q.... 6, -n y q ?`OQ V T9 Z QU A U U a: S?a ??wNx wr, v?x v,va: H .n -9 (D - U_ u y O ? E3 rr N M !r kn \D C- 00 C\ C ?-I ""? r-I N .r M .? rr rr « c H 'a AFFIDAVIT OF SERVICE G C=D PLAINTIFF PHH MORTGAGE CORPORATION CUMBERLAND COUNTY 3? DEFENDANT MISTY 1.. CAROTHERS A/KIA MISTY CAROTHER.S SERVE MISTY L C.AROTHFRS A/K/A MISTY CARO'MERS AT: 3301 STERETT PLACE SAN DIEGO, CA 92123-2052 SERVED .0 co n PITS 4 245778 r SERFICF. TEAM/ ksc = COURT NO.; 10-3 115-CIVH,TE W TYPE OF ACTION p=" O XX Notice of SherIWs Sale -^' C SALE DATE: 03/0212011 p Served and made known to MISTY L. ROTHERS , Defendant on the day of J.hmL&,Rq, 20 A, at W. ()'clock f. M., at 3'X.1 §N FEU LA iC , in the manner described below: Defendant personally served. Adult family member with whom Defendant(s) reside(s). Relationship is _ Adult in charge of Defendant's residence who refused to give name or relationship. _ Manager/Clerk of place of lodging in which Defendant(s) reside(s). Agent or person in charge of Defendant's office or usual place of business. an officer of said Defendant`s company. Other: Description: Age , _ a Height ' Weight l ifQ Race Sex P Other :x3 r^'t C:)-'ri N ci C? ® rn LACHIIEW TLkW ft*1, a competent adult, being duly sworn according to law, depose and state that I personally handed a true and correct copy of the Notice of Sheri ''s Sale in the manner as set forth herein, issued in the captioned case on the date and at the address indicated above. Sworn to and subscribed before the Ibis day of . 20 . Notary: By: NOT SERVED On the day of , 20,_, at - o'clock _. M., Defendant NOT FOUND because: Vacant , Does Not Exist _ Moved - Does Not Reside (Not Vacant) No Answcr on at at Service Refused Other: Sworn to and subscribed before me this day (Byy: Notary: IM" flAn1tnE?' FOB rt 411` 1 rrF Lrercn<•e T. Pid=, Fwq., Id No. 52727 o¢dsLHdit s )I6 id.Na6MM STATE OFCAUFOMA COUNT d m jjA??, "' a ed) b t me n tllie 20[[ by Ie:ddeto an the bm of sabsfactoryb be pNStoa( Maeppeered lletoleme. . olN " LAURA K. RUELAS? o COMM. # 1915562 s c ' NOTARY PUBLIC - CALIFORNIA G SAN MATEO COUNTY COMM. EXPIRES DEC. 6, 2014 D.Wd G. S&.ft Esq., td. N.. am Stkfiak M. Smdrv"L Eq.. Id. No. 6*49 J.&& T. Rosso, Eel., Id. Na M749 Suax1 A S1?aIFJa?d, Esq.. id Vs. 817et1 .1-i+c R. n-,, EW.. X Na KM77 Iwutim a. lwti Esq., Id. No. 933:17 "leak Srivwavs. Rw}, Id. No. 292M J.y lk Jaxs, Ecq_ Jd. ML 86657 Fite[ J. Mukaky. Fig, NL No. 61791 AM * L. Sph.d4 Es q, UL Nc 944.V Jahae ,dcc .oesr, Fmk., td. Va 90133 1 WW,aktde P. 96akes6 Is7q.. Id. Va WX Jo?sa L(iold,riao. £tq., l,i Nw 2QSYR cwtteav R. va ug, &qq., 14, No. 206779 4udj + G SrmblaL Esq, W. N& 20&775 Ansm F. welt. Esq6 K --4L.WA19 ilea ar at siw. Sbdw ti171oh? I vd., Smlr lMi6 PidWddpW PA 10183-1914 (2151563.7600 IF SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson EiLED-O FICX Sheriff '- ??4tit?, at ?:mtre?b rf - PR0 I a140N,0 Tj-- ii Jody S Smith# asrd C1 # Chief Deputy A M10:37 Richard W Stewart CUMBERLAND 0UNTY Solicitor PENNSYLVANIA PHH Mortgage Corporation vs. Case Number Misty L. Carothers 2010-5115 SHERIFF'S RETURN OF SERVICE 12/29/2010 03:20 PM - Deputy Robert Bitner, being duly sworn according to law, states service was performed by posting a true copy of the requested Real Estate Writ, Notice and Description, in the above titled action, upon the property located at 438 Factory Street, Carilsle, PA 17013, Cumberland County. 01/10/2011 Ronny R. Anderson, being duly sworn according to law, states he served the requested Real Estate Writ, Notice and Description, in the above titled action, in the following manner. The Sheriff mailed a notice of the action by certified mail, return receipt requested, to the within named Defendant, to wit: Misty L. Carothers at 3301 Sterett Place, San Diego, CA 92123. The return receipt card was signed by Signature Illegible on No Date on Card and returned to the Cumberland County Sheriffs Office. 03/02/2011 Ronny R. Anderson, Sheriff, being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Cumberland County Courthouse, Carlisle, Cumberland County, PA, on March 2, 2011 at 10:00 a.m. He sold the same for the sum of $ 1.00 to Attorney Daniel Schmieg, on behalf of PHH Mortgage Corporation, being the buyer in this execution, paid to the Sheriff the sum of $ SHERIFF COST: $756.86 April 08, 2011 SO ANSWERS, RON R ANDERSON, SHERIFF Rte---2 s 719k !.-i COLIMYSu¢e Shen4t. Teieosn t wc. PHH MORTGAGE CORPORATION Plaintiff ' V. MISTY L. CAROTHERS A/K/A MISTY CAROTHERS Defendant(s) COURT OF COMMON PLEAS CIVIL DIVISION NO.:10-5115-CIVIL-TERM CUMBERLAND COUNTY PHS # 245778 AFFIDAVIT PURSUANT TO RULE 3129.1 PHH MORTGAGE CORPORATION, Plaintiff in the above action, by the undersigned attorney, sets forth as of the date the Praecipe for the Writ of Execution was filed, the following information concerning the real property located at 438 FACTORY STREET, CARLISLE, PA 17013-1851. 1. Name and address of Owner(s) or reputed Owner(s): Name Address (if address cannot be reasonably ascertained, please so indicate) MISTY L. CAROTHERS A/K/A MISTY CAROTHERS 2. Name and address of Defendant(s) in the judgment: Name SAME AS ABOVE 3301 STERETT PLACE SAN DIEGO, CA 92123-2052 Address (if address cannot be reasonably ascertained, please so indicate) 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address (if address cannot be reasonably ascertained, please indicate) None. 4. Name and address of last recorded holder of every mortgage of record: Name Address (if address cannot be reasonably ascertained, please indicate) Mers, Inc. 3300 SW 34th Avenue; Suite 101 Ocala, FL 34474 Mers as a nominee for Summit Financial, LLC., P.O. Box 2026 A Virginia Corporation Flint, MI 48501-2026 Summit Financial, LLC., a Virginia Corporation 555 Herndon Parkway; Suite 200 Herndon, VA 20170-5291 Summit Financial, LLC., a Virginia Corporation P.O. Box 10550 C/o: TSS, LLC McLean, VA 22102-8550 Name and address of every other person who has any record lien on the property: Name Address (if address cannot be reasonably ascertained, please indicate) None. 6. Name and address df every other person who has any record interest in the property and whose interest may be affected by the sale. Name Address (if address cannot be reasonably ascertained, please indicate) None. 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 (if address cannot be reasonably ascertained, please indicate) TENANT/OCCUPANT Domestic Relations of Cumberland County 438 FACTORY STREET CARLISLE, PA 17013-1851 13 North Hanover Street Carlisle, PA 17013 Commonwealth of Pennsylvania Department of Welfare Internal Revenue Service Advisory U.S. Department of Justice U.S. Attorney for the Middle District of PA P.O. Box 2675 Harrisburg, PA 17105 1000 Liberty Avenue Room 704 Pittsburgh, PA 15222 Federal Building, P.O. Box 11754 228 Walnut Street Harrisburg, PA 17108 Mers as a nominee for CitiMortgage, Inc. CitiMortgage, Inc. Charles E. Carothers, III. Charles E. Carothers, III. Misty L. Carothers A/K/A Misty Carothers C/o: Michael J. Whare, Esquire P.O. Box 2026 Flint, MI 48501-2026 1000 Technology Drive; MS321 O'Fallon, MO 63368-2240 1424 Bradley Drive; Apt. 112D Carlisle, PA 17013-1277 3301 Sterett Place San Diego, CA 92123-2052 37 East Pomfret Street Carlisle, PA 17013 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge or information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S.A. § 4904 relating to unworn falsification to authorities. November 16, 2010 By: Attorney for Plaintiff Phelan Hallinan & Schmieg, LLP ? Lawrence T. Phelan, Esq., Id. No. 32227 ? Francis S. Hallinan, Esq., Id. No. 62695 ? Daniel G. Schmieg, Esq., Id. No. 62205 ? Michele M. Bradford, Esq., Id. No. 69849 ? Judith T. Romano, Esq., Id. No. 58745 ? Sheetal R. Shah-Jani, Esq., Id. No. 81760 ? Jenine R. Davey, Esq., Id. No. 87077 ? Lauren R. Tabas, Esq., Id. No. 93337 ? Vivek Srivastava, Esq., Id. No. 202331 ? Jay B. Jones, Esq., Id. No. 86657 ? Peter J. Mulcahy, Esq., Id. No. 61791 ? Andrew L. Spivack, Esq., Id. No. 84439 ? Jaime McGuinness, Esq., Id. No. 90134 ? Chrisovalante P. Fliakos, Esq., Id. No. 94620 ? Joshua I. Goldman, Esq., Id. No. 205047 ? Courtenay R. Dunn, Esq., Id. No. 206779 [Andrew C. Bramblett, Esq., Id. No. 208375 ? Allison F. Wells, Esq., Id. No. 309519 PHH MORTGAGE CORPORATION VS. MISTY L. CAROTHERS A/K/A MISTY CAROTHERS : COURT OF COMMON PLEAS Plaintiff : CIVIL DIVISION : NO.: 10-5115-CIVIL-TERM Defendant(s) : CUMBERLAND COUNTY NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: MISTY L. CAROTHERS A/K/A MISTY CAROTHERS 3301 STERETT PLACE SAN DIEGO, CA 92123-2052 "THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY." Your house (real estate) at 438 FACTORY STREET, CARLISLE, PA 17013-1851 is scheduled to be sold at the Sheriff's Sale on 03/02/2011 at 10:00 AM in the Cumberland County Courthouse, South Hanover Street, Carlisle, PA 17013 to enforce the court judgment of $52,968.81 obtained by PHH MORTGAGE CORPORATION (the mortgagee) against you. In the event the sale is continued, an announcement will be made at said sale in compliance with Pa.R.C.P. Rule 3129.3. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriff's Sale, you must take immediate action: 1. The sale will be canceled if you pay to the mortgagee the back payments, late charges, costs and reasonable attorney's fees due. To find out how much you must pay, you may call: 215-563-7000 x1230. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice on page two on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling 215-563-7000. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened, you may call 215-563-7000. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A proposed schedule of distribution of the money bid for your house will be prepared by the Sheriff not later than thirty (30) days after the sale. The schedule shall be kept on file with the sheriff and will be made available for inspection in his office. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the filing of the proposed schedule. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION CUMBERLAND COUNTY COURTHOUSE 2 LIBERTY AVENUE CARLISLE, PA 17013 (717) 249-3166 (800) 990-9108 SHORT DESCRIPTION By virtue of a Writ of Execution NO. 10-5115-CIVIL-TERM PHH MORTGAGE CORPORATION VS. MISTY L. CAROTHERS A/K/A MISTY CAROTHERS owner(s) of property situate in the Borough of Carlisle, Cumberland County, Pennsylvania, being (Municipality) 438 FACTORY STREET, CARLISLE, PA 17013-1851 Parcel No.: 06-20-1798-185 (Acreage or street address) Improvements thereon: RESIDENTIAL DWELLING JUDGMENT AMOUNT: $52,968.81 Phelan Hallinan & Schmieg, LLP Attorney for Plaintiff 1617 JFK Boulevard, Suite 1400 Philadelphia, PA 19103 215-563-7000 LEGAL DESCRIPTION ALL THAT CERTAIN house and lot of ground situate in the Borough of Carlisle, Cumberland County, Pennsylvania, bound and described as follows: BEGINNING at a point on the West side of Factory Street, 207.85 feet South of 'A' Street; thence along lot now or formerly of Mrs. Grace Boyd, North 83 degrees 44 minutes West, 180.5 feet to a post on an alley; thence along said alley, South 6 degrees 7 minutes West, 15.7 feet to a post; thence along the lot now or formerly of Floyd E. Ankabrandt, South 83 degrees 25 minutes East, 96.8 feet to a point; thence still along same, South 83 degrees 53 minutes East, 83.5 feet to a point on said Factory Street; thence along said Factory Street, North 6 degrees 13 minutes East, 16 feet to a point, the place of BEGINNING. IMPROVED with a two-story frame dwelling house known as and numbered 438 Factory Street. SUBJECT, HOWEVER, to such recorded easements, restrictions and conditions that may apply to the afore- described tract of land. TITLE TO SAID PREMISES IS VESTED IN Misty L. Carothers, married woman, by Deed from Misty L. Carothers and Charles E. Carothers, III, h/w, dated 11/15/2005, recorded 11/28/2005 in Book 272, Page 461. PREMISES BEING: 438 FACTORY STREET, CARLISLE, PA 17013-1851 PARCEL NO.: 06-20-1798-185 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO 10-5115 Civil COUNTY OF CUMBERLAND) CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due PHH MORTGAGE CORPORATION Plaintiff (s) From MISTY L. CAROTHERS A/K/A MISTY CAROTHERS (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due$52,968.81 L.L.$.50 Interest FROM 10/12/2010 TO DATE OF SALE ($8.83 PER DIEM) - $1,253.86 Atty's Comm % Due Prothy $2.00 Atty Paid $201.80 Other Costs Plaintiff Paid Date: November 18, 2010 n) f T- T? '-R I'LE D • L David Buell, Proth o (1 few% A N (Seal) By: • Deputy REQUESTING PARTY: Name Andrew C. Bramblett, Esquire Address: Phelan Hallinan & Schmieg, LLP, 1617 JFK Boulevard, Suite 1400, One Penn Center Plaza, Philadelphia, PA 19103 Attorney for: Plaintiff Telephone: 215-563-7000 Supreme Court ID No. 208375 TRUE COPY FROM RECORD In TesdmmW whereof. ) here unto set my hand Zttts. a a o ?? 6 On November 22, 2010 the Sheriff levied upon the defendant's interest in the real property situated in Carlisle Borough, Cumberland County, PA, Known and numbered as, 438 Factory Street Carlisle, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: N+avember 21, 20 io B Real Estate Coordinator 1s hUO0 bwa l01 esJJ t3tila 4t'1si3?.k`ii7f M ? :Z d b ! AON 010- PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA ss. COUNTY OF CUMBERLAND : Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: January 28, February 4, and February 11, 2011 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. i sa Marie Coyne ditor SWORN TO AND SUBSCRIBED before me this 1 day of February, 2011 Notary NOTARIAL SEAL DEBORAH A COLLINS Notary Public CARLISLE BOROUGH, CUMBERLAND COUNTY My Commission Expires Apr 28, 2014 CUMBERLAND LAW JOURNAL Writ No. 2010-5115 Civil PHH Mortgage Corporation vs. Misty L. Carothers Atty.: Daniel Schmieg By virtue of a Writ of Execution NO. 10-5115-CIVIL-TERM, PHH MORTGAGE CORPORATION vs. MISTY L. CAROTHERS A/K/A MISTY CAROTHERS, owner(s) of property situate in the Borough of Carlisle, Cumberland County, Pennsylvania, being 438 FACTORY STREET, CAR- LISLE, PA 17013-1851. Parcel No.: 06-20-1798-185. Improvements thereon: RESIDEN- TIAL DWELLING. JUDGMENT AMOUNT: $52,968- .81. 9 COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND SS: I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify that the Sheriff's Deed in which PHH Mortgage _ Com is the grantee the same having been sold to said grantee on the 2nd day of March A.D., 2011, under and by virtue of a writ Execution issued on the 18th day of November, A.D., 2010, out of the Court of Common Pleas of said County as of Civil Term, 2010 Number 5115, at the suit of PHH Mortgage Corp against Misty L aka Misty Carothers is duly recorded as Instrument Number 201110687. IN TESTIMONY WHEREOF, I have Whheunto set my hand and seal of said office this ! day of Recorder of Deeds tMoaidirdbooftAwbN%- Ow*bdi,!N WaowA6 toe&pkubHnttbo tdbx VA The Patriot-News Co. 2020 Technology Pkwy Suite 30.0, Mechanicsburg, PA 17050 Inquiries - 717-255-8213 CUMBERLAND CO. SHERIFFS OFFICE CUMBERLAND COUNTY COURT HOUSE CARLISLE PA 17013 Coe 1latriot-News Now you know THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Holly Blain.. being duly sworn according to law, deposes and says: That she is a Staff Accountant of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 2020 Technology Pkwy, Suite 300, in the Township of Hampden, County of Cumberland, State of Pennsylvania, owner and publisher of The Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 1900 Patriot Drive, in the City, County and State aforesaid, that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since, That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Community Weekly editions which appeared on the date(s) indicated below. That neither she nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That she has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. PUBLICATION COPY This ad ran on the date(s) shown below: 20105115 Civil Term 1/28/11 ?HH Mortgage Corporation 214/11 vs , Misty L. Carothers 2/11/11 e Atty: Daniel Schmieg By virtue f i f o a Writ of Execution No. 10-5115-CIVI y ? 1 ° ' L PERM .. ... € . .. . ...... PHH MORTGAGE CORPORATION vs. MISTY L. CAROTHERS CAROTHERS A/K/A MISTY _' SvKorn to anti bscribed bef;ordme this 'day of February, 201'1 A. D. f owners of property situate in the Borough of Carlisle, Cumberland County - ,a i , Pennsylvania, being (Municipality) 438 FACTORY STREET, CARLISLE PA Notary Public , 17013-1851 Parcel No.: 06-20-1798-185 (Acreage or street address) Improvements thereon: RESIDENTI.AL DWELLING COMMONWEALTH OF PENNSYLVANIA JUDGMENT AMOUNT $52,968.81 i9c?tnrtal Seai ___. _ Sherrie L ;why, Notary Public sower Paxton TwP•, Dauphin County M'l COmmis lon Expires NOV i. 26 2011 _- . , Fte. r aennsvtva Ian ASS Jatian o NNot{iri,-