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HomeMy WebLinkAbout04-3247KIM C. RARAIGH and CATHLEEN D. RARAIGH, Plaintiffs LEE A. WOODALL, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 04- O q- ~ &'4 "/ CIVIL TERM ACTION OF MORTGAGE FORECLOSURE CIVIL ACTION - LAW NOTICE TO DEFEND AND CLAIM RIGHTS 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 loose 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 Bar Association 32 South Bedford Street Carlisle, Pennsylvania 17013 (717) 249-3166 KIM C. RARAIGH and CATHLEEN D. RARAIGH, Plaintiffs LEE A. WOODALL, Defendant 1N THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 04- 3,2 ¥ '1 CIVIL TERM ACTION OF MORTGAGE FORECLOSURE CIVIL ACTION - LAW COMPLAINT IN MORTGAGE FORECLOSURE Plaintiffs, KIM C. RARAIGH and CATHLEEN D. RARAIGH, are adult individuals residing at 7 Gordon Drive, Carlisle, Pennsylvania 17013. Defendant, LEE A. WOODALL, is an adult individual, whose last known address is 21 WEST MULBERRY HILL ROAD, CARLISLE, PENNSLVANIA 17013. The said Defendant executed and delivered a Mortgage Note in the sum of $80,000.00, a copy of said Mortgage Note being attached hereto and incorporated hereby reference as Exhibit "A." Contemporaneously with and at the time of the execution of the aforesaid Mortgage Note, in order to secure payment of the same, Defendant made, executed, and delivered to original Mortgagee, a certain real estate Mortgage which is recorded in the Recorder of Deeds Office of the within County and Commonwealth conveying to original Mortgagee the subject premises, a copy of said Mortgage being attached hereto and incorporated herein by reference as Exhibit "B." The land subject to the Mortgage is: 21 WEST MULBERRY HILL ROAD, CARLISLE, PENNSYLVANIA 17013. The said Defendant is the real owner of the property. I0. 11. The Mortgage is in default due to the fact that Mortgagor has failed to pay the installment due on April 7, 2004 and all subsequent installments thereon, and the following amounts are due on the Mortgage: UNPAID PRINCIPAL BALANCE Interest at $12.96 per day From 3/7/04 to 7/1/04 (based on contract rate of 6.00%) Late Charges $33.75/month For 1/22/04 and from 4/7/04 to 6/7/04 Attorney's Fee at 5% of Principal Balance TOTAL $ 77,760.42 1,503.36 135.04 3,888.02 $ 83,286.84 ** Together with interest at the per diem rate noted above after July 1, 2004 and other charges and costs to date of Sheriff's Sale. The attorney's fees set forth above are in conformity with the Mortgage documents and Pennsylvania Law, and will be collected in the event of a completed Sheriff's Sale. If the Mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged that am actually incurred by Plaintiff. No judgment has been entered upon said Mortgage in any jurisdiction. Notice of Intention to Foreclose and accelerate the loan balance pursuant to Pennsylvania Act No. 6 of 1974 is not required in that the original principal balance exceeds $50,000.00. However, Notice was given in an effort to avoid this foreclosure action. Defendant is not a member of the Armed Forces of the United States of America, nor engaged in any way which would bring them within the Soldiers and Sailors Relief Act of 1940, as amended. Plaintiff has complied with the procedures required by Pennsylvania Act 91 of 1983 (Homeowners' Emergency Mortgage Assistance Payments Program) and Defendant has either failed to meet the time limitations as set forth therein or has been determined by the Housing Finance Agency not to qualify for assistance. WHEREFORE, Plaintiffs demand judgment in mortgage foreclosure "IN REM" for the abovementioned total amount due together with interest at the rate of 6.00% ($12.96 per diem), together with other charges and costs including escrow advances incidental thereto to the date of Sheriff's Sale and for foreclosure and sale of the property within described. B~Esquire GRIFFIE & ASSOCIATES Attorney for Plaintiffs 200 North Hanover Street Carlisle, PA 17013 (717) 243-5551 (800) 347-5552 VERIFICATION I verify that the statements made in the foregoing document are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsifications to authorities. DATE: DATE: KIM C. RARAIGH CATHLEEN D. RARAIGH MORTGAGENOTE July 7, 2003 21 West Mulberry Hill Road Carlisle, PA 17013 1. BORROWERS PROMISE TO PAY In return for a loan that I have received, I promise to pay EIGHTY THOUSAND AND XX/100 ($80,000.00) (this mount is called "Principal"), plus interest, to the order of the Lender. The Lender is KIM C. RARAIGH and CATHLEEN D. RARAIGH. I will make all payments under th~s Note in the form of cash, check or money order. I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the "Note Holder". 2. INTEREST Interest will be charged on unpaid principal until the full amount of Principal has been paid. I will pay interest at a yearly rate of six (6%) percent, amortized as though being paid over a period of fifteen (15) years. The interest rate required by this Section 2 is the rate I will pay both before and after any default described in Section 6(B) of th/s Note. 3. PAYMENTS (A) Time and Place of Payments I will pay principal and interest by making a payment every month. I will make my monthly payment on the 7th day of each month beginning on August 7, 2003. I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal. If, on July 7, 2005, I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the "Maturity Date". I will make my monthly payments at 7 Gordon Drive, Carlisle, PA, 17013, or at a different place if required by the Note Holder. (B) Amount of Monthly Payments My monthJy payment will be in the amount of SIX HUNDRED SEVENTY- FIVE AND 09/100 ($675.09) DOLLARS. EXHIBIT ! "A') 4. BORROWER'S RIGHT TO PREPAY I have the fight to make payments of Principal at any time before they are due. A payment of Principal only is known as a "Prepayment". When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under the Note. I may make a full Prepayment or partial Prepayments without paying a Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my Prepayment to the accrued and unpaid interest on the Prepayment amount, before applying my Prepayment to reduce the Principal amount of the Note. If I make a partial Prepayment, them will be no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes. 5. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the Principal I woe under this Note or by making a direct payment to me. If a refund reduces Principal, the reduction will be treated as a partial Prepayment. 6. BORROWER'S FAILURE TO PAY AS REQUIRED . Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of fifteen (15) calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be five (5%) percent of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. (B) Default If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. (c) Notice of Defauk If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue mount by a certain date, the Note Holder may require me to pay iumaediately the full amount of Principal which has not been paid and all the interest that I owe on that amount. That date must be at least thirty (30) days after the date on which the notice is mailed to me or delivered by other means. (D) No Waiver By Note Holder Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full as described above, the Note Holder will still have the right to do so if I am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enfoming this Note to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys' fees. 7. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at the Property Address above or at a different address if I give the Note Holder a notice of my different address. Any notice that must be given to the Note Holder under this Note will be given by delivering it or by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. 8. OBLIGATIONS OF PERSONS tINDER THIS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep ail of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us may be required to pay all of the amounts owed under this Note. I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor. "Presentment" means the right to require the Note Holder to demand payment of amounts due. "Notice of Dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. 10. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust, or Security Deed (the "Security Instrument"), dated the same date as this Note, protects the Note Holder from possible losses which might result if I do not keep the promises which I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all mounts I owe under this Note. Some of those conditions are described as follows: If all or any part of the Property or any Interest in the Property is sold and transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than thirty (30) days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security/It?stmment without further notice or demand on Borrower .... /; ~, i WI~F~Sg--T-klE HAND(S).AND SEAL(S) O~.,TI~E U2J~ED. ;?// :zz::T.f ........ , Borrower t / Tills I3,rDEI~2~U'RE, MADE THE day of of our Lord two thousand three. ~J J ~ ~ in the year BETWEEN LEE A. WOODALL, married man, party of the first part, and KlM C. RARAIGH and CATHLEEN D. RARAIGH, husband and wife, parties of the second part: WHEREAS, the said LEE A. WOODALL, in and by his certain obligation, or writing obligatory, under his hand and seal, duly executed and bearing even date herewith, stand bound unto the said parties of the second part in the sum of EIGHTY THOUSAND AND XT~/I O0 ($80,000.00) DOLl,iR& conditioned for th~ payment of the just and full sum of EIGHTY THOUSAND AND XX/IO0 ($80, 000.00) DOLLARS, together with interest at the rate of SiX (6%) PERCENT per annum, amortized as though payments are being made for FIFTEEN (15) YEARS, by making monthly payments in the amount of SiX HUNDRED SEVENTY- FIVE AND 09/1 O0 ($675.09) DOLLARS, beginning on the 7th day of August, 2003, and continuing on the 7th day of each successive month thereafter for TWO (2) years or TWENTY-FOUR (24)payments, when the entire principal and interest then due shall be paid in full, with all such payments first being applied to interest and then to principal, such that payment of all principal and interest due shall be made in full in or before July 7, 2005. All such payments to be made together wffh the premiums of insurance, taxes, ground rents, water rents, municipal assessments and charges from time to t~me a~sessed against or upon the hereinafter described mortgaged premises, without any fraud or further delay, as in and by the said recited obligation and the condition thereof relation to the same being had, may more fully and at large appear, and in case of default in payment, as aforesaid, shall also pay ail costs, fees and expenses of collecting the same including an attorney's commission of five per cent. NOW THIS INDENTURE WITNESSETH, that the said parties of the first part, as well for and in consideration of the aforesaid debt or sum of EIGHTY THOUSAND AND XX/ IO0 ($80,000.00) Dollars, and for the better securing the payment thereof unto the said parties of the second part, their executor, administrators and assigns, in discharge of the said obligation above recited, as for and in consideration of the further sum of one dollar in specie, well and truly paid to the said party of the first part, by the said parties of the second part, at and before the ensealing and delivery hereof, the receipt of which one dollar is hereby acknowledged, they have granted, bargained, sold, released and confirmed, and by these presents do grant, bargain, sell, release and confirm unto the said parties of the second part, their heirs and assigns. EXHIBIT ALL that certain tract of land situate in Middlesex Township, Cumberland County, Pennsylvania, being Lot No. 59, as shown on the Plan entitled Meadowbrook Farms Final Subdivision Plan Phase 17 dated February 12, 1999, last revised June 3, 1999, and recorded August 1 7, 1999, in Cumberland County Plan Book 79, Page 85, more particularly bounded and described as follows: BEGINNING at an iron pin, lying in a westerly right-of-way line of Country Side Drive (50-foot right-of-way), and being a northerly comer of Lot No. 77; thence along said Lot, South 62 degrees 01 minutes 02 seconds West, I89,06 feet to an iron pin, being a westerly comer of said Lot and lying in an easterly line of Lot No. 60; thence along said Lot, North 27 degrees 58 seconds West, 120. O0 feet to an iron pin, being a northerly comer of said Lot and lying in a southerly right-of-way line of Mulberry Hill Road (50-foot right-of-way); thence along said right-of-way, North 62 degrees 0I minutes 02 seconds East, I87. 73 feet to a point, lying along said right-of-way; thence continuing along said right-of-way, along a curve to the right, having a chord bearing of South 69 degrees 38 minutes 16 seconds East, a chord distance of 37.36feet, a radius of 25.0O feet, and an arc distance of 42.19 feet to a point, lying in a westerly line of Country Side Drive (50-foot right-of-way); thence along said right-of-way, South 21 degrees 1 7 minutes 34 seconds East, 19. 94 feet to a point; thence continuing along said right-of- way, along a curve to the right, having a chord bearing of South 11 degrees 39 minutes 25 seconds East, a chord distance of 75.32 feet, a radius of 225.0O feet, and an arc distance of 75.68feet to an iron pin, being the place of BEGiNNiNG. CONTAINiNG O. 564 acre. BEiNG the same real estate that Mark Sheely Builder, Inc., a Pennsylt~ania Corporation, by its deed dated the 24th day of May, 2002, recorded in the Cumberland County Recorder of Deeds Office, in Mortgage Book 251, Page 4436, conveyed unto Lee A. Woodall, married man, party of the first part herein. TOGETHER with ail and singular the buildings, improvements, woods, ways, rights, liberties, privileges, hereditaments and appurtenances to the same belonging, or in anywise appertaining, and the reversion and reversions, remainder and remainders, rents, issues and profits thereofi To Have and to Hold the said hereditaments and premises above granted, or intended so to be, with the appurtenances, unto the said parties of the second part, their heirs and assigns forever. AND it is further understood and agreed that the said party of the first part, his heirs and assigns, will pay ail taxes, municipal assessments and charges from time to time assessed against or upon said mortgaged premises forthwith when the same become due and payable, and will keep the buildings erected upon the said premises insured in some good and reliable fire insurance company or companies licensed to transact business in the Commonwealth of Pennsylvania, in the amount of at least EIGHTY THOUSAND AND XX/100 ($80,000.00] Dollars, and shall take no insurance upon said buildings not marked for the benefit of the Mortgagee, and the policy or policies, with a proper mortgagee or loss payable clause attached, shall be delivered to and held by the said parties of the second part, their executors, administrators or assigns, as collateral security for the payment of moneys secured hereby, and in case said party of the first part, his heirs or assigns, shall neglect to procure such insurance, or shall neglect to pay said taxes, municipal assessments and charges forthwith when the same become due and payable, the said parties of the second part, their executors, administrators or assigns, may take out such policy or policies in their own names, and may pay such taxes, municipal assessments and charges, and the premium or premiums paid therefor, and the sum or sums paid for such taxes, municipal assessments and charges as aforesaid, shall bear interest from time of payment, and be added to and collected as part of the said principal sum and in the same manner. And it is further agreed and understood, that in case default be made at any time in the payment of the principal debt or any installment of principal debt or interest, or any part thereof, or of any taxes, municipal assessments, charges or premiums of insurance aforesaid, for FIFTEEN (25) days after the same falls due as aforesaid, the whole of the said debt and interest and additions thereto as aforesaid shall, at the option of the said parties of the second part, their executors, administrators or assigns, become due and payable forthwith; and thereupon an action of mortgage foreclosure as now provided by Pennsylvania Procedural Rules 114l to 1148, both inclusive, or other appropriate proceedings, now or hereafter prescribed by law, may forthwith be commenced and prosecuted to judgment, execution and sale, for the collection of the whole amount of the said debt and interest remaining unpaid, together with all premiums of insurance, and all taxes, municipal assessments and charges, and all fees, costs and expenses of such proceedings, including reasonable attorney's fees. And all errors in said proceedings, together with all stay of or exemption from execution, or extension of time of payment which may be given by any Act or Acts of Assembly now in force, or which may be enacted hereafter, are hereby forever waived and released. PROV1DED ALWAYS, NEVERTHELESS that if the said parties of the first part, his heirs, executors, administrators or assigns, do and shall well and truly pay, or cause to be paid unto the said parties of the second part, their executors, administrators and assigns, the aforesaid debt or sum of EIGHTY THOUSAND AND XX/200 ($80,000.00) DOLLARS on the day and time hereinbefore mentioned and appointed for the payment thereof, together with lawful interest for the same, and the premiums of insurance aforesaid, taxes, municipal assessments and charges, in like money, in the way and manner hereinbefore specified therefore, without any fraud or further delay and without any deduction, defalcation or abatement to be made, for or in respect of any taxes, charges or assessments whatsoever, that then, and from thenceforth, as well this present Indenture, and the estate hereby granted, as the said obligation above recited, shall cease, determine and become absolutely null and void to all intents and purposes, anything hereinbefore contained to the contrary thereof in anywise not~vithstanding. IN WITNESS WHEREOF, the said party of the first part hereunto sets his hand and seal, the day and year first above written. Signed,. SeaIedpresenceand DeIiveredof /~~j I do hereby certify that the precise residence and complete post address of the within named Mortgagee is Attorney f~ COMMO~TH OF PENNSYLVANIA ) ) SS cOV T ' undersigned officer, personally app~ared~JLee office , 2003, before me, the A. Woodall, known to me (or satisfactorily proven) to be the person whose name is subscribed to the within instrument, and acknowledge that he executed the same for the purpose therein contained. Notary Public (/ NOTARIAL SEAL ROBIN J. GOSNORN, NOTARY PUBLIC C~RLISLE BORO. CUMI~F. RLAND COUNTY MY COMMISSION EXP RES APRIL 17, 2007 COMMONWEALTH OF PENNSYLVANIA ) ) SS. COUNTY OF CUMBERLA2VD I RECORDED on this day of A.D. 20 , in the Recorder's office of said County, in Mortgage Book , Volume , Page Given under my hand and the seal of the said office, the date above written. , Recorder. !!':is ~o be recorded ........ ¢ :~: County PA Recorder of Deeds SHERIFF'S RETURN - REGULAR CASE NO: 2004-03247 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND RAP~AIGH KIM C ET AL VS WOODALL LEE A GERALD WORTHINGTON , Cumberland County, Pennsylvania, says, the within COMPLAINT - MORT FORE WOODALL LEE A DEFENDAiqT , at 1955:00 HOURS, on the at 21 WEST MULBERRY HILL ROAD pARLISLE, PA 17013 LEE A WOODALL a true and attested copy of COMPLAINT - Sheriff or Deputy Sheriff of who being duly sworn according to law, was served upon the 8th day of July , 2004 by handing to MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 3.70 Affidavit Surcharge 10.00 .00 31.70 Sworn and Subscribed to before me this /J~ day of Q,_~j~ ~ A.D. ~Prbthonot ary ' -- So Answers: R. Thomas Kline 07/o /20o4 GRIFFIE & ASSOC By: KIM C. RARAIGH and CATHERINE D. RARAIGH, Plaintiffs VS. LEE WOODALL, Defendant TO: LEE WOODALL IN THE COUg',T OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 04-3247 CIVIL TERM ACTION OF MORTGAGE FORECLOSURE CIVIL ACTION - LAW DATE OF NOTICE: August 12, 2004 NOTICE OF DEFAULT JUDGMENI' YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFOMRATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 South Bedford Street Carlisle, Pennsylvania 17013 (717) 249-3166 KlM C. RARAIGH and CATHERINE D. RARAIGH, Plaintiffs VS. LEE WOODALL, Defendant : 1N THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA : NO. 04-3247 CIVIL TERM : : ACTION OF MORTGAGE FORECLOSURE : CIVIL ACTION - LAW .CERTIFICATE OF SERVICE I, Bradley L. Griffie, Esquire, hereby certify that I did, the 1~'/2/day of August, 2004, cause a copy of Plaintiffs' Notice of Default Judgment to be served upon Defendant by first class mail, postage prepaid at the following addresses: Lee Woodall 21 West Mulberry Hill Road Carlisle, PA 17013 1941 Monterey Drive Mechanicsburg, PA 17055 DATE: ?flffie, Esquire ~ _~ttorne~or Plaintiffs GRIFFIE & ASSOCIATES 200 North Hanover Street Carlisle, PA 17013 (717)243-5551 (800)347-5552