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Home My WebLink About04-3609 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION BANK ONE, N.A., assignee of CALIFORNIA LENDING GROUP, INC., d/b/a UNITED LENDING GROUP, Plaintiff, v. JOSEPH S. RUDA and TERRI L. RUDA, Defendants. TO: DEFENDANT: YOU ARE HEREBY NOTIFIED TO PLEAD TO THE ENCLOSED COMPLAINT WITHIN TWENTY (20) DAYS FROM SERVICE HEREOF OR A DEFAULT JUDGMENT MAY BE ENTERED AGAINST YOU. WELTMAN, WEINBZ1& -"'IS CO., L.P.A. By: ATTORNEYS F R LAINTIFF I HEREBY CERTIFY THE ADDRESS OF PL.AJNTIFF IS: 111 East Wisconsin Ave Milwaukee, WI 53202 AND THE DEFENDANT ARE: 65 Derbyshire Drive Cartisle, PA 17013 WELTMAN, WEINBER2kV CO., L.P.A. BY: ATTORNEYS FOR LAINTIFF I HEREBY CERTIFY THAT THE LOCATION OF THE REAL ESTATE AFFECTED BY THIS LIEN IS: 65 Derbyshire Drive Carlisle, PA 17013 Twp of Middleton ~FI~ ri: WELTMAN, WEINBERG ~7V-" L.P.A. BY: / V ATTORNEYS FOR PLAINTIFF NO. D4 - 31.6'1 Cu~C-'-~ ISSUE NO.: CODE: TYPE OF PLEADING: COMPLAINT IN MORTGAGE FORECLOSURE FILED ON BEHALF OF: PLAINTIFF COUNSEL OF RECORD FOR THIS PARTY: Kimberly J. Hong, ESQUIRE Pa.I.D.#74950 WELTMAN, WEINBERG & REIS CO., L.P.A. Firm #339 2718 KOPPERS BUILDING 436 SEVENTH AVENUE PITTSBURGH, PA 15219 (412) 434-7955 WWR#03721 017 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION BANK ONE, N.A., assignee of CALIFORNIA LENDING GROUP, INC., d/b/a UNITED LENDING GROUP, Plaintiff, v. NO: JOSEPH S. RUDA and TERRI L. RUDA, Defendants. NOTICE TO DEFEND You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP: Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 800-990-9108 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION BANK ONE, N.A., assignee of CALIFORNIA LENDING GROUP, INC., d/b/a UNITED LENDING GROUP, Plaintiff, NO: 64- .3/-09 C,'"c.,d.'-r~ v. JOSEPH S. RUDA and TERRI L. RUDA, Defendants. CIVIL ACTION - COMPLAINT IN MORTGAGE FORECLOSURE And now, comes Plaintiff, Bank One, N.A., assignee of California Lending Group, Inc.. d/b/a United Lending Group, by and through its attorneys, WELTMAN, WEINBERG & REIS CO.. L.P.A., and files this Complaint in Mortgage Foreclosure, averring in support thereDf the following: 1. The Plaintiff is Bank One, N.A., assignee of California Lending Group, Inc., d/b/a United Lending Group, a lending institution duly authorized to conduct business within the Commonwealth of Pennsylvania (hereinafter "Plaintiff'). 2. The Defendants are Joseph S. Ruda and Terri L. Ruda, adult individuals whose last known address is 65 Derbyshire Drive, Carlisle, PA 17013. 3. On or about March 11, 1998, the Defendants borrowed the sum of $90,000.00 from Plaintiff pursuant to the terms of a written agreement, and as security for repayment thereof, Defendants made, executed and delivered to Plaintiff, a Mortgage in the original principal amount of $90,000.00 on the premises hereinafter described, said Mortgage being recorded in the Office of the Recorder of Deeds of Cumberland County on April 15, 1998 in Mortgage Book Volume 1445, Page 947. A true and correct copy of said Mortgage containing a description of the premises subject to said Mortgage is marked Exhibit "A", attached hereto and made a part hereof. 4. California Lending Group, Inc., d/b/a United Lending Group, assigned all of its right, titie and interest in and to the Mortgage to Plaintiff, pursuant to an Assignment of Mortgage, which was recorded on December 14, 1999, in Mortgage Book Volume 633, Page 452. 5. The Defendants are the current record and real owners of the aforesaid mortgaged premises. 6. The Defendants are in default under the terms of the aforesaid written agreement and Mortqaoe. 4. California lending Group, Inc., d/b/a United lending Group, assigned all of its right, title and interest in and to the Mortgage to Plaintiff, pursuant to an Assignment of Mortgage, which was recorded on December 14, 1999, in Mortgage Book Volume 633, Page 452. 5. The Defendants are the current record and real owners of the aforesaid mortgaged premises. 6. The Defendants are in default under the terms of the aforesaid written agreement and Mortgage. 7. Demand for payment has been made upon the Defendants by Plaintiff, but Defendants were unable to pay the principal balance, interest or any other portion thereof to Plaintiff. 8. On or about June 15. 2004, Defendants were mailed Notice of Homeowner's Emergency Assistance Act of 1983, in compliance with the Homeowner's Emergency Assistance Act, Act 91 of 1983 and pursuant to 12 PA Code Chapter 31, Subchapter B, Section 31.201 et seq. 9. The amount due and owing Plaintiff by Defendant is as follows: TOTAL $ 87,805.20 $ 4,062.37 $ 1,830.00 $ 89.50 $ 0.00 $ 1,000.00 $ 50.00 $ 94,837.07 Principal Interest thru 6/10/04 late Charge thru 6/10/04 Advances thru 6/10/04 Execution Costs thru 6/10/04 Attorneys' Fees thru 6/10/04 Other Charges 10. Contemporaneously hereunder, Defendants have been advised of their right to dispute the validity of this debt or any part thereof, pursuant to the Fair Debt Collection Practices Act 30 Day Notice, attached hereto marked Exhibit "C" and made a part hereof. WHEREFORE, Plaintiff demands judgment ;n Mortgage Foreclosure for the amount due of $94,837.07, with interest thereon at the rate of $31.25 per diem from June 10, 2004, plus costs, in addition to late charges and for foreclosure and sale of mortgaged premises. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. WELTMAN, WEINBERG &/Jp"A. Kimberly J. Hong, Esquire Pa.I.O.#74950 Attorneys for Plaintiff 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 "_'M.__.::.;L..:. :'.1 I ,) ,. ~l ,;" , 't.. ._~--... , I ,,'.. ....,',,'..,'...,.:....,..'..,'. .; ,'. 1"'l!l'I~.., , : '~,,:"'I",.: II '~:~';;'..;,' : ',~, f " ~,. ;.iU:" . :..':';Jm.1i.:~' ,~.)lilii!.!;;.:... .~:.:: ~~" . ',:: >..,:.t!;.:.~,;,;:,I.:;;f:\.!.~.;..:'.::,:;,i,:::,... ..~.; '.' , ,.j ;:\ ~jIK, :{I!::~W . ~. ::: lW~Mi .'jl;:,;1 '"Ih::j'" "':~~.t;~4! ; I: : ',:: ':.:':: )..: . t '.. ~Ii;- ~:i1i . ". !I[;~' :~:;:>, " ',:\r:i}~: ,I'lll'i <~:"yil,' ';''';'~):<; I '.: :J;jf.l: . ,,:i:':l ". .' :i~it~~1 '. l',~l '; :![. 'J' : ',pI;,,! . j I' , ....>l., ,', rl('~-' :.-. d:',: .;?:;i "; :)l"h~:' " "//1,: ~:", ,,: '~./a: _..;..,::~_It L .:~~~~'"":,..'::-T::.;;;"~;-l.~-~. '". ," :i>l ~ .,,; . '.~:r ' . f~f~; . . .!; :~f; " , t<:h r.' :';j i: ~ ., ~. . i;.j: ':,! ., .'" . I CALIFORNIA LENDING GROUP, INC.. dba UNITeo LENOING GROUP ~~}'~ COp}' 7{~ ilJi~ 1'itJ. OJ' 'l'1ii:'b COli 81'0 ~ ~1Il%~~ 3351 MICHELSON, SUITE 100 IRVINE. CA 92612 P<1rceJ Number: 40-9.$33-30 NOTIce: THIS LOAN CONTAINS PROVISIONS THAT ALLOW FOR A BALLOON PAYMENT AT MATURITY, I MORTGAGE I LOAN NO.: 9800000577 THIS MORTGAGE is mac1e this JOSEPH S, RUDA AND TERRI L RUOA 11th ~y of MARCH, 199B , berweeo the Mortgagor. CALIFORNIA LENOING GROUP, {NC" dba UNITED LENDING GROUP (herein "Borrower"), and me Mongagee. existing under the laws of CA UFORNIA .3351 MICHELSON. SUITE tOO, IRVINE. CA 92612 . a corporation organized and . whose address is (b....iD 'Lende'"). WHEREAS. BOlTOWer is it:ll:lebted 10 Lender in the p~ipa1 sum of U.S. S 90.000.00 . which indebtedness is evident:ed by BorrowCf's ooce dated MARCH 11. t99B and CJ(censlons and renewaJs thereof (herein "Note"), providing for monthly installments of principal.aDd. ime.rat, with me balance of the indebt~s, if not sooner paid. due aDd payable OD APRIL Ot, 2013 . TO SECURE '0 Leode, "'" l<Jl.ymeot ot"'" indebtedllost evidenced by "'" Note, witlt itIle=t _.; "'" p&ytllCDt ot all other su.ms. witb interest tbereon, advanced in accordance herewitb co protec::t tbe security of d1is Mongagc; and the perfomumce of the covenants and agreewen.u of Borrower herein cooWned.. Borrower does hmby monpge. gr.uu and coovey co Lender the following described pmperty located .in the COWJty of CUMBERLAND State of Peotlsylvania~ . see COMPLETE LEGAL DESCRIPTION DEsCRIBED IN EXHIBIT RA" An-ACHEO HERETO ANP MAPE A PART HEREOF. which bas the addre$S of 65 DERBYSHIRE DRIVE CARUSLE Pennsylvania [SIr$eIJ (b...iD "Property Address "); ICilY) 17013 {ZlPCocIel I PENNSYl. VANIA. SECOND MORTGAGE - 1ISO . FNMAIFHLMC UNIPORM INSTRUM!NT .78fPA'tHI1l Form 3831 ~R LlHOr#lSU"Ol'ITSYST.....SI"IC. '",MAJl3'.2ND /ltlll1l IllIdtlL~ '.lotS -1(. 'lij;\j.l. l"/.'" '..< . .!,rl~(f . . .{i,." ,"^'~I \l!~, ",. , ,;.tr:~ ~~ , n It.r~ui ' .(.~~~ ';'l-~ ......__j_~~D[Jl~_.__:_ . " .., :1 :. i~:t: ; "'J' "1".1 ,,' - ''I ',' '..' j...." .f:..... . !.' l"'f'!":' .;" :'';;'J . I . 'Ij': '~.' \" . -'1.\\/01''''1,1.. . ~ 1:.::I:j::l, ::i:}l;~):it:. ""~"'l"'+" . (l~ ~ljt::i'~~~\f:" ""']'!I.. .,.".., . h I J''' " "~ " ""mil';"l,"I'. '~'f"P." ,.1.,,} , , ~ t, "t.!.;; ~r:!;:" : ::-f' j~,,::, ~,,~h' 1 "" 'j. .1,~.~: l~ " ,.,.,' Of.,' ~ 'il"." "~;'I,I.L "'I' '..:illi.,.. ,. \; ~;I, 1~!I~g" , :: t<' ;.j. :~i:~',:;'i ,..'1:: J1LJt!;'. ", " .:.:.: r;l' ;::;:; .h.: '.< ,. ',",. . .' .(h' 'ii.. ,:. ;~;. ~~. "d,' ,.l:_ .~ I. '~ , , '. ' .: ~ : .. ',. TOGETHER with all the improvements cow or bereaftcr eJeCted OD the propeny, and all easemaats. rlghu. 8pputtcD1DCeS an& ...IS, all of which shall be d...,ed to be and tomaln a pan of the properlY covered by thi.s Mortgage; and all of the foregoing, together wlth said property (or the lwehold eswe: if thls Mongage is 00. a leasehold) are hen::inaftcr refmed to as the 'Pmpeny.' Borrower covenants that Borrower is lawfully seised of the eswe hen:by conveyed and has the tipt to mortgage. grant and convey me Propelt)'. and that the Propeny is uneucumbered. except for ~cumbtal1Ce$ of n:cord. Borrower COVeJl3Qt! milt Borrower warrants aud will defend generally the dtle to me Propeny agaiDst aU claims and demand.t. subject to encumbrances of record. UNIFORM COVENANTS. 8om:>wcr and Leader coveaam and agree asfotlows: 1. Payment of Principal and Interest. Borrower shall prompdy pay when due the principal and interest indebte:dness evidenced by the Note aad late charges as provided in the Note. 2. Funds tor Taxes and IDSlltBnce. Subject to applicable law or a wrinea waiver by Leader, Borrower shaJl pay to Lender On [he day monthly payments of principal and interest are payable under the Note, until the Note is paJd in fuJl. a sum (herein -Funds.) equal to one.twelfth of the yearly tues and assessmems (including condominium and planned unit development asseumenrs. if :my) which may :ttta.in priority over this Mortgage .utd growtd rentS on the Property. if any. plus. Qne-twelfth of yearly premium installments for hazard insurance. plus one.twelfth of yearly premium installments (or mortgage insurance. if <lnY. aU as reasonably estimated initially and from time to time by LeDder on the basis of ASSessmentS IDd bills and reasonable estin:w.es thereof. Borrower .shall not be obligated to make such paymans of Funds to Lender to the Cltteu{ that Borrower makes such payments to the holder of a 'prior mongJge or deed of UUSt if such holder is ao iDstirutionallender. if 8orTOWer pays Funds to l.e:Dder, the Funds shall be held in lID iosriwcion the deposits Or acc:ounts of which are insured Or guanmtccd by a fed.e~ or stare agency (including l.ender if Leader is such an iDsda1tlon). l..eDder shall apply the Fuad1 to pay said taxes. assesSmcJJts. insurance premiums and ground mus. Lender may DOt c::b.arge for SO holding and applying the Funds, analyzing said account or verifying and compiling said assessments and bills, uaJess Leader pays BorTOWer interest OD the Funds and applicable Jaw permits Lender to make such a cbarge. Borrower and l..euder may llJI= lD writing at die time of execution of this Mortg'8e: that intetC$t on tbe Funds sball be paid to Bonowcr. aDd unJe:ss such agMlIltJ1t is .awle or applicable law requires $UCb iDlel'e$l to be paid. Lender shall pal be required 10 pay BoI'tOWN lP)' :interest or earnings on the Funds. L=der shal.l give [0 Borrower. without charge. aD. annual accountirt.g of'me funds showing credit! and debits to the FUllds and the purpose for which eacb debit to the Func1s was made. The Fuuds are pledged as additionaJ securiry (or the sums .secured by this Mortgage. lf the amouut o( the Fwrds held by Lender. logctber whb the future mont:hly lastaUme:nts of FUDds payable prior to me due dates of taxes. as.se.ssmepts. insurance premiums aDd ground mns, sban exceed the amount required to pay said wes, assessmeo.ts, lt1.l\ltaltCe premi\lID$ and groWld mus u they (all due, such exccsa sba.1l be. II Borrower's option. eIther promptLy repaid to Borrower or credited to Borrower on montbly inKaJlmtmU of FWJ:d$. If the amount of me Funds beld by Lender shaU not be sufficienl to pay tues. assessments, insurance ptemiums and ground rem.s u they fall due. Borrower shaH pay to Leader any amount necessary 10 make up the deficiency in one or more payments as Lc4der may require. Upoa paymeat ia full of all SUlllJ _ by thJs Mortgage. Leader shall prompdy refund 10 8om:>wer any FUl1ds beld by Leader. IfW1der paragraph t7 hmor the Pmperty i. sold Or the Property Is otherwise acquired by t:.eade<, Leader shall apply, DO liter than iulm.ediJtcly prior co the sale of the Praperry or its acquisition by Leader. any Funds bdd by Leadq at the time of appJicatlOll as 'a credit against tbe sums secu.red by this Mortgage. 3. Applicatlon or Payments. Unless applicable law provides otherwise. all paymenrs received by Lender UDder the Note and paragrapb.s I and Z bOlOOf shall be applied by Leader !irst ia p.ymeat of amowu, payable 10 Lemler by Borrower Ul1dcr paragrapb 2 hereof, then to interest payable on lbe Note, md theu 10 the principal of the Note. 4. Prior Mart&Oe.. and Deeds or Trust; Clra.rles; Ueas. 8om:>wer shalt perform alt of 80_', obUgatIoaa W1det any mortgage. deed of rru.st or other security agRement with a lieu wbich bu priority over this Mongage. including Borrower's covenaof3 to make paymenlS when due. Borrower shaJl payor cause to be paid all tues, IS$CS5me:ors and other cb.atges, ti.ne$ and imposidons acrriburable: to the Property which may .Ctain a priority over Ihls Mongage. IDd leasehoJd paymenu Or gtouud rentS. if an)'. 5. Hazard lasurance. Borrower ahall keep the improvementS now existing or hereafter erected CD the Propeny insured. against loss by fin:. hazards iDc:luded withiD. the cenn -extended CQvetaCe." and such other hat.ards as Let:tder may require' and in such amounts and for such periods as Lender may reqm. The insurance camer providing the iasuraoee shall be choseo by Borrower subject to approval by Leader: provided, that such approval shall DOt be unrea.9Oaably withheld. A.U insurance policies and rmewals thereof shall be in a form acceptable to Lender and shall fDc1ude a standard mortgage clause iu favor of and in . (orm ICCeprable to Leader. l.eDder shalL have the rig!!( to hold the policies and renewals thereof. subject fO die tmus of aoy mortgage. deed of tJ'USt or otbcr security ~meut with a lien which has prioricy over tbis Mongage. -1lJCPAII"'1l '...2:011 '-'II {.. ,-~ , ., :.~! ;~t~J;~; :: :Itf!l~' ..".,:i.lij"""" .. l: ~Jhf~:~!;~; '''l'~ .... n~li),; ..,'.".;. " ,:$~r'.:' ,;. ~ ::~~~> " , ~ j~~ ~ 1 : '(~'r {' _,~ I . . ..~ .;:..;.~};j.:.j~. __ ___L .... ., !,;~.:,.:.'.;.: .. ," c. l iir~;i .~: . " . .1' ~~ 'J'" ~ . . " l' ,;,:. :il , , .tI"~(" ,1.;<;., . . '''''m' . , I . .1, '*' ,1:( ~-. :.:,.:.:S,' " ".,. ,,,.,, ., m" , I"'" ~ ,., I I' . . "Q'IV ' "I a . :' I ;~: '~l \L':.' ~.: . I ,;' ij;: . . :~'" ":~~ ,(I. ' 1[:1 ~~"~ . . '. ".' " ~'. . , . ','\ ,.-~, , ' . 'I ., , - . ~. '. . , -.'"', ' ::il~':j""~l~lih"" .".; "1i i/,r , ..., . riOl~, .. 11! #, "'t ., ~ I i.:~'" . .,. . '" i' . "I :~d: :.~J(f.', :';,;; ;1; ','" .. '!f'''~ ", 'I . . ~'<'.?' j: :' .$.;'I( .t~r):jt" :""' :. ~.s"~ ,,' , "j~..,. ,~'"' {.". . ., '~.~';' i" '., l"~'l ~"'ll.!;"; i, 1} ~.t (" .:j ,r,~t~i :lill':~J {"" it .;'1.; ,~~ .' ! 'm:;~ .:l~~f ',"1, :1';0" i~~~~~ " ',..\ . .,. !,' ",' ~';'l' ,:~w..f:;; /..', li;~;~. i' ~ ' tl,~, :', tJ:~i'r. ~ '~1;~ ~h' ::! '., ~~'~:,; ~\fl,:;;: ~ {, tJ~I',:;' ,. '. I,"'" 'l""l" <."Pt' .".. .~ . ',iL'lt':1li.i;:"jl. ~~:':t.,~" , . '" 1-0, "t'I',{, -..:<1.. . ,"IJ1','",..:lI"j'. "'ll~'\' .; :. \';' 1,\, "":.. " '.' ~.' '.: ~ :Jl,h :.: .::"" C,:;""I .." p.' , . '. t .. ., . l' .~;. . ...__._~L_~~..:~~t.,...____:.'.'_!.... ~__.. I:'~ .' .,;;'1. :.'t:. ,', :", t' ,.. ::r. ;:;, , ~~_ijJ; ': : ~~ In the l:'icnt of lou. Bonower shaJJ gJve prompt aodce to me insurance carrier .and leDder. Leader may mab proof of lOA if cat made promptly by Borrower. Jf the Propcny is abandoned by Borrower, or if Borrower f.dJs co tapoDd fa Lender witbin 30 days from me due notice is mailed by Lender to Borrower tb.aI: the izIsur'aJlce catrier offetl to settle: . claim for lnsunDce bCDeftu.. Lender is autborlzcd to collet;t and apply the iasuraDce proceeds at L.c:nder's optioo either 10 restoWion or repair of the Propcrt)' or to the sum secured. by this Mortgage. 6. Prtservatlon aDd Maimenance 01 Property; Leaebolds; CondomlaJlUlU; PladDed Valt DefeJopmeats. Borrower shall keep [he Property in good repair and shall not commit wasle or permit impaitmeol or detmoradon of me Prope:rty iUJd .shall comply wim the provisions of any lease it this MOrtgage: is on a leasehold. It lhis Mortgage: Js on a ulliE In a condomin.ium or il planned unit development, Borrowcr sball perform all of Borrower's obligaion.s ucc1cr!he declaration or covenams crrating or governing the condominium or plill1Aed ulliE development, tbc by~laws an4 regu1ationa of the condominium or planned unit development. and. coasr.itu.eDt dOCUlD.COtS. 7. ProtecdOd 01 Len.der's Security. If Borrower fails to perform cbe COVenants and agreementS contained in thi$ Mortgage, Or if any action or proceeding is commenced whic.b materially affectsleuder's iJUeresc in the Property, tbea Lender. 3C Lender's option. upon noricc to Borrower, may make such apPeirlll:ee5. disburse such nuns. including reasonable attorneys' fees. and lake such acaion as is necessary to protect under's interest. If l..eDder required mortgage: insurance as a condition of making tbc: Joan.secun:d. by this Mongage, Borrower sball pay the premiums required. to main~ S\1Cb. iDsunnce in effect umil such time Q the requirement for such iasutanee: tcmWwel in KCordanc:c with BOtrOWtr's an.4 Leader's wriuen agreemCDt or applicable l~w. Any amounts disbursed by Lender pursuaJ:l:1 to mis puagrapb 7, with interest checeon, a the Note rate. sball become additional indebtedness of Borrower secured by this Mongage. Unless Borrower and Leader agree ro other terms of payment. such amoUllt$ sball be payable upon nOtice Cram leuder to Borrower requesting paymem tbtreof. Nothing contained in this paragraph 7 shall require Len<1cr to itlCut any expenst or take any Il::tion berewlder, a, lllSpec:tioQ. Lender may make or cause to be made I'CUODable eaDies upon and inspealoDJ of the Property. provided Ihat Lender sball give Borrower nOllce prior to any sueb iuspecdoo .specifyiJIg reasonable e.ause therefor related 10 Lender1s iOIcte.S1 in the Property. 9. Condemnation. The proceeds of any award or claim for damages, direct or consequeorial. in. connection with my condemnation or other laking of !be PropertY, or pan thereof, or for convqance in lieu of cobd-M-1oQ. are hereby assigned and sb.all bt paid to Lender, subjCCl to the ICttD5 of any mortgage. d<<d of trUSl or other SOCUtiry qreeiDC:Gt with a lien wbieb has priority over this Mortgage. 10. Borrowtl' Not Released; Forbell8llCt By Leader Not. WaiYer. extenSion of the lime for payment or modific:.u.ion of amortization of the sums sec:ured by thlJ Mortgage gramed by Leader co my sw:c:eaor itz mlel'Nt of Borrower shAll nOl operate to reiease, in arr.y llWJJ:lCf, rbc: liability of the origiDal Borrower and Borrower's .sua::cAOB in iDaemt. 1..eDder sball DOt be requirtd. to CO~ proceedlngs against such suc:cessor or refuse to extcDd time for paymeut Qr otherwise modify amortization of the sums secured by this Mortgage bY rebOD of any demand made by the original Borrower ADd Borrower's successors 10 i.Qterat. Any forbearaDc:e by Lender in cxctciJlng any rigbt or remedy he:reuader, or otherwise afforded by .appJicable law. sbaU nO( be a w41ver of or prccJude the: exercise of .any ruc:b. riJbt 01' remedy. ll. Successots and Assigns 8ouud: Jalaa: ud Several LlabWty; C~pers. The c:ovenams and apeeme:ats berein contained sba11 biDd., and the rigbts bemmder sball im1re to, !be retpeCtive succeaaon aDd aasigns of l.cm1e1 and Bonower. ,ubject to ll>: p<ovisloas of pmgraph t6 he...,f. All cov...".. and -="" of Borrower ahaIl be joint and ,...raI. Ally Borrower w.bo c:o-signs dtis Mortgage, buc does DOt exec:we the Norc, (a) ia co-sipiag thi.s Mortgage oo1y 10 mortgage, aram and convey dJaI Borrower's interest in tbe Plopen)' 10 Lender under (be mms of this Moltllle. (b) is .oat pmonally liable 011 tbe NOlc or under this Mon:JI&e, aad (c) asReS thac Leader and lOy other Borrower bereuader may agree to cxlcnd. modify, forbear. 1.11' make my other aa:ommodatlODl with regard to the lttms of this:Mongllc or the Note without thal Borrower's consew. ao.d wilbout releasing d1al BomJweror modifying this Monp&e as to that Borrower's inIerest in the Property. 12, Nodce. Excepl (or any notice requ1n:d. under applicable law to be given in another ma.aner. (.) any notice co Borrower provided (or in Ihis Mortgage shall be given by delivertDg it or by maiJJng such.notice by certified mail addressed to Borrowcr ill lhe Propcny Address or at sucb otbet addreu as Borrower may designate by nOli" to Lezuler as provided herein, and (b) any notice to l..cDder shall be given by certified mail to L:oder', ad4ress swec1 berein 1.11' 10 suth other address as LcDder may des.i.gnate by l10dce to 8cKrower as proVldod herem. Any ood=: ptOvidecl for in this Mortpte: shall be doeDd 10 have bc=en given to Bonowcr or t.coder when given in !be nwuu::r designated herein. 13. GoventiPg Law; SevtrablUty. The swe aod local .laws applicable (() dtis Mottgaae sbaIJ be the laws of cbe jurisdiction in which the Property is loc:aaed. The foregoing .se:ateace shall DOt limit the applicabilhy of federaJ law (0 this Mortgage. In the CVC1U that any provisioa or clause of this Mongage or the NOIe confllC13 With applicable law, sueb connie! .76(PA'I"'lf "-3'0" '-1,.{,' ~ , ., !:11J' ':":: 'ft!! ';.( 11-, ,~;:!, . ~~:t ~J;~I ~~lI"' ,,' ;1 ~ilit. , }~').. -..,! '. .:,'. .;~ '.,1 ,;. ;ilH t ____fl:., '~._ :;r . ..i','I"I' ';'';,'.., .' I ')1" "I' ''''',l~ I.j':' :.""'i\.,;,:.,;l.': ~ r:. :;,1f;~:f!;L . "l~'" ",:'l',~" "'.'\fr. ':;.',.y i :'1:~,:...;'i:, ~TIif.f{' i ''':;:'I~'''' ','iii!~l? . >"1,..1" ~\~~,.. . "f:1f'J;'lff '::'iii.;'\}!ljiji; ., : Aq:'" .~Le"; ;', : :'li:Wj..;:L~i;:i:};' . I'W""""'"'''' ; ..:,}r'il~:' ~j~!;r. -{'.f:'; ),"':.,..... 'f. . ~ (Cir~. ~l: ~;~;:f .:- '. ;'~!i'i~ :~~l:~t~~ '''~: . ~ii~:(' ..,af.lt:",.." ~:~; .;J:1~1~Jm[!!~: . .:.. ... :If . :.~ " i ..... " " ." ''', ~; ~ ~J .:; :.":". :;i'::: ~1~1~t j:,M,'f!; -; : ~:aJili .:.: ~?~:i; .J'-l~{'i: ~j~J "1..1", ;: i.@Jt!:t: ~(i:'I*t<~; ~\t:i:'l~. shill not itfect orbcr provisions of this Monp,e or me Note which can be givea efftcl wJtbout the confllctIDg provision, aDd to tbit. end tbe provisions of tbis Mon.. and the Note are declared. to be severable. AI used herein, -COSts, - -expenses- a.ad -anarneys' fees- iDclude all sums to me extem DOt prohibited by appUcabJe law or IlmiUld. bereiD. 14. Borroftt""s Copy. Borrower shall be fun1isbed a conformed copy of (be Note and of this Monpgc It tbe tilDe of e;C.ecutiOD or after recordation hereof. 15. RebabUftadoa Loaa. Agreement. Borrower shaJJ. fUlfill aU of Borrower's abJl&aliolLS under any home:: reltabUitation, improvement. repair, or olber loan q.rccmCDt wblcb Borrower cnfcrl inlO whb Leader. Leader, If Under's option, may require Borrower to extcUle and deliver to Lender, in a form. acceptable to Lender, an assignment at any rigbu, cll11m1 or defenses which Borrower may have apinst panics who supply labor. materials or services in connection with improvemenu made to tbe Property. . 16. Transfer or tile .Property or a Be.aefidallDterest ia Borrower. Jf aU or any part of the Property or any iDcerest in il is sold or transfe1Ted (or if a bencfLCiaI interest in Borrower is sold Or tranSferred. and. Bocrower ls DOt a natural ~) without Lender's prior wrineo consent, Ltnder may, a( its opcioa. require immediate paymenl in full of all sums secured by mill Mangqe. However, mis oplion shall nol be exercised by under if eJl:ercise is probibilcd by federal law as of die dlte of this Mongage. If Lender eJ:ecciscs rbis option. Lender shall give Boaower notice of acceleration. The noti.(:e shall provide a period of nOt less than 30 days from die date the notice: is delivered or mailed wltbin which BorroWer must pay all sums secured by this Monga,e. If Borrower fails to pay Ibesc: sums prior to the tX(pirarion of this period, Lender may invoke any remedies permitled by lbis MotlJace witbout ftuther nodce or demand on Borrower. NON-UNIFORM COVENANTS. Borrower aad Leader tUl'tber COYeJlaDt and agree as loUows: 17.Acc:eleradon; Remedies. Upoa Borrower's b.readJ at 8nY coveaaDt or qreemeat or BOlTOW'er iu this Mort..,e, i.rae1udtag the covenants to pay whera due allY $WItS ueured by this Mortp&e, Lender prior to acceleration sba1I &I.\'e noHce to Bomh"er as ptorided by .ppffcabJe J.w specif)rln" artIOD. other tblnas: (1) the breach; (%) the actfon reqtllred 10 cure .such breacb; (3) a date, not less tbaD 30 days from the date tbe notite Is m.Ued to Borrower, by wbJch sucb bread must be cured; and (4) tlUIt rallure to cure such breach on or belore tile dale spedlted ill the notice may result ill 'C<<lIft1l1l.. or the ..... _ by tbb Mon,.,e. I~re by Judlelal proeeedlD,. ...d we of the Pruperty. Tbe notice shall turtbe.- fDl'orm Bomnnr of tile rf&bt to refutate after au:ceJeradoa aDd the right to lSSert ~D t.be loreclosW"t proceed1ng tbe DOa~eDce of a derault or any other detease or Borrower to ac:ceIeratloa 8IId fotedosure. U the breach is not cured OIl or before the date specified la the notice, Lender, at LeIlder's optfon, may declare aU of the SlU21S secured by this Mortp'f to be immediately due ud payable without rurtber dem.ad a.ad may rondose tbJs Mortp,' by judicial proc_I, Leader.haII be ealltled co .../kula $1lCb proceedla, all...,..... 01 lored....,., laelodlnl. but DO< limited to. reasonable attoI'Deys' tees, llDd eosts of documentary erideace, absIracts ad IItIe reports. 18. 80,""",', R1aJ>t CO ReiaslllIe, N_idmalldin. Leader'. __.. of Ibe $1lIIl5 secured by tbb MonPle due '0 Borrower's breach. Bonower shall have me rigbt to have any proc:eediuas begun by Leader to enforce this Mortgage discoPlmued at any time prior 10 at leasl ooc bour before the COlIl~ml of biddlng ar I sheriff's sale or olber sale pw1UanI to Ibis Mongage if: (a) Bonower pays LeDdet aU sums which wou.Id be then due UDder Ibm MonJllc and the Note had DO acceleratioa occuaed; (b) Borrower CUteS all bread1cs of any otl1cr COVenantS or agreemenu of Sonowcr cottWned in dU.s Mon...e; (e) Borrower pay. all .....oaable _ iac:umd by Leader in eafon:ilIi !be _15 and _15 01 Borrower contained in this Morra. and in eo!orcia. Lender's remedies as provided in paagnph 17 hereof, lDcJudiDg, but DOt limited co. n:asoaable atlOmey>' Ceeo: and (d) Borrower _ wdlacdon II Leader IDAY ,......."Iy require CO ....un: Ibat !be lieD of this Monwe, Leader's iareresl ill me Property aDd BoIlOWCI"S ObUptioD to pay tbe sums secured by this Mongage sball COQtinue wWDpaired. Upon such payment and c:wc by Borrower. tbia Man..,c and !be obli.llions IeClU'l!d hereby shall remain in full force and efftc1 as if DO ac:celeratioa bad. oceurred. 19. A.ulpmeat 01 R.u; AppolatDIent 01 RecaYer;: Leader 1A PosseafOD. As addilio.aal security bcreuader, Borrower hereby assigns to Leader me rents of tbe Propcny, provided that Bonower shall. prior 10 acceleration under parap-aph 17 hereof or abandonment of the Properly, have the right to collect a.ad reW.u such rt:DtS as Ibey become due and. payable. Upon acceleration under parqraph J 7 hereof or abandonmeDI of the Property, Leader. in petlOl'I. by agenl or by judicially appointed receiver shall be: cadded 10 ernet upon, rake possession af and manaae the Property met 10 collecl the relus of (he Property inc)udin, those past due. All rents canceled by uDder or Ibe receiver sball be applied first to paymenc of the COSts of man.agemeot: of the Propeny and calleaioo. of feats. indudia&. but not limitN (0. receiVer's fees, premiums 00. receiver's band and reasonable attOmeys' fees. and tbed '0 tbe sums secured by this Mon,.. Lender and rbe Reeivet' shall be )fable 10 account only for those mils acrually received. ZOo Re'-e. Upon payment of all..... secured by tbio MottIqc. Leader oha1I ditcharJIC tbio Monpge wllllout c:barIe 10 Borrower. Bonowcr shaH pay aU COStS of m:ordadOD. if uy. Zl.1aleresl bte Alter Judptent. Borrower agrees tbac tOe inacl'llSt tale payable aflcr ajudgmcnr is entered. on the Note or ia an acdon of mongage foreclosure sbal.l be {he rue swed. in tile Note. .76tPAlt,111l ,-,.011 "1,~ -~, .':i': ~ [;:';1:; :;;~ .;:! . " r', ,.,. : .;!~f'::l ,'I. .'.' . JiLi];! . ~"l . 't.~ ':':j' ;:. ...:r l' '~l\ , i,. "ili :... ~:t ~ A'~ ---'."-"----. --- ";.' j.l '.;. jIlt' ,:'Ir.:iA.f ""~;:I:'f;'lr .' ~F ;.'~"i~i':~: : "%'~~' "". . '''~'I ,. " "'I' '.. , ~L 1- ;1.';...:~~~;. ~(1Y. - ~~i~'.' .1:' .. ';'1 . ~~ ~ ,..I!I'.'~.'..,. J ; .. ',: .:; .; .:.~:: X )~~~;: .'.- II {j" \,;tt:'.l;; , e : :'f"':' ';gtf , : . ~. .:i .[, ". :;;, >:( : "'~I ;.,; .,.,~;"( ""1' . . - ,':' .4; 'ii'JI.:.t ';..'~~. ~::,:. J: ~. . ,. .. " \,. ... ~' , :' .!: }:. oi.. ~~,,:; ,::;; '.. "1'; f:~r;:..<J'~;l:I::" ..' ~. .' '~r..:~ ~,g ,; ~ < .' . .~~i: 1i: ~:!i1;1.~' \ ,.~..~.,i~ i'~~ :n :'w !l'~ :.....;~. :~.; ", ""';{f!~' . "i . ::~~ ~ :~;. ": I / Il>;' "1.II~' :j . l,' ,.1, ." "II"; I {. "1(:: "1;(<1 \ :~"~r "v !.' Yl'1: '"','-':/ " .. :..t. '., ,I' 'Ik"~t' ., " ;~ :: ~ .' I j: j:' ".t.. ". .$, . 't'!' ':" ~ " ,I! ' . \~\"" Mil:t.. ':,l ;; .. , ,l' 'Pl\ . ;'.1') p: . t:'fl t :'!ol~':,h ---.- -. ;_.:-._"JJ__._~;::f,.: ..~ .~!". ...' ......... REQUEST FOR NOTICE OF DEFAULT AND FORtCLOSVRE VNDER SllPERJOR MORTGAGES OR DEEDS OF TRUST -Borrower '::if '-,I AIU ,../... TER I L. RUD'" i2tw1 c, (Seal) -BotlOWCr (Seal) .ilOlTtlwe.r (Seal) .BorTOW~r (Sign OrigiMl Onryi Certificate of ResideDceA? . r./ I, If/if t'.UAIlO,A . . do hoteby certily lIwlhecor=taddreuof Ille willlin-1lalI!td LondtrI> ';.7$"1 7.#!u:~IC~#,.J 04 In:--;'dfI .::QIfV""-C'" ('-1. P~.. IZ- ~ .- WiUlUSl1lyhaDdllli, /I~ clay.! #/file#- , l'iPr ~ COlllMQNWE,\LTH OF PENNSYLVANIA. ~*"d~..J II--M dayof ,ot.l/flZ&#- , Iff~ JOSEPH S. RUOA AND TERRI L. RUDA County": On this, the penonally appeared . before me. the undersigned. officer, known to me (or satiJfactorily proven) to be: the petsOD wbose name subscribed to me with.U:t instrumcat and acknowledged that ~ecultd the same- for the purposes herein CODtab1ed. IN WITNESS WHEREOF. [heteulUO set my haD<! aDd official seal. My Commission E:lI:pires: . NotatlalS.aI RIeker c. Sttooo. Nata.!)' P\lblie M Ham~tg.OauQtlin~ y CommISSIOn E.rQnais Mly 29. 2001 '7BtPAt~.\1) '...101. Fortn383t .............)0 ~56-678-S45S PAGE 67 60 Year Search Page 60f6 DESCRIPTION ALL THAT CERT AlN lot or parcel of land situate in South Middleton Township, Cumberland County, Pennsylvania, more particu.larly bounded and described as follows: BEGINNING a.t an iron pin on the westerly right-of-way line of Derbyshire Drivc, a 50.(l0 foot wide right-of-way, which said point is more pa.tticularly located at the intersection of the westerly right.of-way lioe of Derbyshire Drive and the dividing line between Lots Nos. 66 and 67 on the Plan. of Lots known as "Fina] Plan for Mayapple Village, Derbyshire lots 40-73"; thence from said point of beginning in a southeasterly direction along the westerly right-of-way line of Derbyshire Drive. along a curve to the left having a radius of 325.00 feet, an arc distance of 66.11 feet to an iron pin on the westerly right-of-way line of Derbyshire Drive; thence from said point continuing along tile westerly rigJlt-of-way line of Derbysh ire Drive, South 33 degrees 4} minutes 24 seconds East, a distance 0[29.06 feet to an iron pin on the dividing line between Lots No. 65 and 66 on the aforesaid Plan ofJ..ots; thence from said point along the dividing line between Lots No. 65 and 66. south 56 degrees 18 minutes 36 seconds West, II distance of 125.00 reet to an iron pin on the easterly property line of other lands of Mayapple Villagc; thence from said point along the easterly property line of other lands of Mayapple V illagc, north 32 degrees 00 minutes 46 s~onds West a distance of I 15.61 feet to a concrete monument on the diyiding line betweell Lots Nos. 66 and 67 on the aforesaid Plan of Lots; thence frem said point along the dividing line between Lots Nos. 66 and 67, north 65 degrees 32 minutes 12 seconds east. a distance of 130.00 feet to an iron pin, the place of beginning. UNDER AND SUBJECT to building setbacks as set forth on the above mentioned plan, being a 30 feet front setback line, a 40 feet rear setback line. and 10 feet sidc setback line. ALSO UNDER AND SUBJECT to the restrictions as more particularly set forth in the Declaration of Covenants and Restrictions dated June 16. 1989, made by 539 Development Company, a'ld recorded in the Office of the Recorder of Deeds of Cumberland County. Pennsylvania On June 16, 1989, in Misc. Book 365, Page 566, and to all other restrictions, reservations, setback lines and right-of-way of record. BEING Lot No. 66 on the Plan of f..ots known as "Final Plan for Mayapple Village, Derbyshire lots 40. 73," prepared by Statler-Brehm, Engineering and Planning Consultants, dated January 26. 1989, and recorded in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania in Plan Book 58. Page 68. :Being Parcel No. 40-09-0533-030 FAIR DEBT COLLECTION PRACTICES ACT 30 DAY NOTICE By law, this law firm is required to advise you that unless within 30 days after receipt of this notice you dispute the validity of this debt or any portion thereof, the debt will be assumed to be valid by us. If said notification is sent to us in writing, we are required to provide you with verification of the debt. In the event within a 3D-day period you request in writing the name of the original creditor, it will be provided to you if different from the current creditor. In the event that you dispute the debt and/or request the name of the original creditor in writing within the 30-day period, no further action will be taken to obtain Judgment in the pending lawsuit until the verification and/or name of the original creditor has been provided to you. This law firm is attempting to collect this debt for our client and any information obtained will be used for that purpose. The above Notice is being given pursuant to the Fair Debt Collection Practices Act and is separate and distinct from the foregoing Complaint which must be responded to in conformity with the instructions therein. Because of the difference in time parameters, we will not move for Default Judgment for at least thirty (30) days from the date of service of this Complaint upon you, and if you request verification, we will not move for Default judgment until a reasonable time after verification has been provided, and after the expiration of the thirty (30) day period from the date of service. VERIFICATION The undersigned does hereby verifY subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, she is an attorney for the Plaintiff herein; makes this Verification based upon the facts as supplied to her by the Plaintiff and/or its agents and because the Plaintiff is outside the jurisdiction of the court and the Plaintiff s Verification cannot be obtained within the time allowed for filing of this pleading, and that the facts set forth in the foregoing pleading are true and correct to the best of her knowledge, information and belief. //} . / L----/ '/KimberlY J. Hong, Esquire (.) -Q. ~~~ - ~ B ~ ~ ~ CIl ~ ...c...o I f' ~ -Z .. , ,--~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION BANK ONE, N.A., assignee of CALIFORNIA LENDING GROUP, INC., d/b/a UNITED LENDING GROUP, NO.: 04-3609 CIVIL TERM Plaintiff, ISSUE NO.: v. JOSEPH S. RUDA and TERRI L. RUDA, CODE: Defendants TYPE OF PLEADING: PRAECIPE, TO REINSTATE COMPLAINT IN MORTGAGE FORECLOSURE FilLED ON BEHALF OF: PLAINTIFF COUNSEL OF RECORD FOR THIS PARTY: Kimberly J. Hong, ESQUIRE Pa.I.D.#74950 WELTMAN, WEINBERG & REIS CO., L.P.A. Firm #339 2718 KOPPERS BUILDING 436 SEVENTH AVENUE PITTSBURGH, PA 15219 (412) 434-7955 WWR#03"721017 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION BANK ONE, N.A., assignee of CALIFORNIA LENDING GROUP, INC., d/b/a UNITED LENDING GROUP, Plaintiff, v. NO.: 04-3609 CIVIL TERM JOSEPH S. RUDA and TERRI L. RUDA, Defendants PRAECIPE TO REINSTATE COMIPLAINT Kindly reinstate the Complaint in the above-captioned matter. WELTMAN, WEINBERG & REIS CO., L.P.A. 4/ Kimberly J. Hong, Esquire Pa.I.O.#74950 Attorneys for Plaintiff 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 .. o .""'.) C;',' i',) 1"".1 V SHERIFF'S RETURN - NOT FOUND CASE NO: 2004-03609 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND BANK ONE NA VS RUDA JOSEPH S ET AL R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT RUDA JOSEPH S but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE , NOT FOUND , as to the within named DEFENDANT , RUDA JOSEPH S 65 DERBYSHIRE DRIVE CARLISLE, PA 17013 PER CURRENT RESIDENT, DEFENDANTS ARE SEPARATED AND THEIR ADDRESSES ARE UNKNOWN. NO FORWARDING ON FILE AT PO. Sheriff's Costs: Docketing Service Not Found Surcharge 18.00 3.70 5.00 10.00 .00 36.70 So answer~ r-....~~ /:--~. .- , R. Thomas Kline Sheriff of Cumberland County WELTMAN WEINBERG REIS 08/12/2004 Sworn and subscribed to before me this " l.,u day of Q"r .;l..,..,l\ A.D. ('\'-A-- () ~ ,~ Pr~~tary SHERIFF'S RETURN - NOT FOUND CASE NO: 2004-03609 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND BANK ONE NA VS RUDA JOSEPH S ET AL R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT RUDA TERRI L but was unable to locate Her in his bailiwick. He therefore returns the COMPLAINT - MORT FORE , NOT FOUND , as to the within named DEFENDANT , RUDA TERRI L 65 DERBYSHIRE DRIVE CARLISLE, PA 17013 PER CURRENT RESIDENT, DEFENDANTS ARE SEPARATED AND THEIR ADDRESSES ARE UNKNOWN. NO FORWARDING ON FILE AT PO. Sheriff's Costs: Docketing Service Not Found Surcharge So answers 6.00 .00 5.00 10.00 .00 21.00 ~2,,:"' c-~< R. Thomas Kline Sheriff of Cumberland County WELTMAN WEINBERG REIS 08/12/2004 Sworn and subscribed to before me ,;LIJl:)Lf A.D. C)b.-<.tU- Q ih,o~ .O~ protfuoootary i'-' day of .~euJ- this 3/~ ".. '" SHERIFF'S RETURN - REGULAR CASE NO: 2004-03609 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND BANK ONE NA VS RUDA JOSEPH S ET AL CPL. MICHAEL BARRICK , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon RUDA JOSEPH S the DEFENDANT , at 1326:00 HOURS, on the 2nd day of September, 2004 at 65 DERBYSHIRE DRIVE CARLISLE, PA 17013 by handing to TERRI L RUDA, WIFE a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 18.00 8.88 .00 10.00 .00 36.88 r~-.z:-,,~~ R. Thomas Kline 09/03/2004 WELTMAN WEINB .......--~ / Sworn and Subscribed to before me this /S'!::. day of ~f1]~ .)llOY A.D. //') (J ~/~ ~othonotary SHERIFF'S RETURN - REGULAR CASE NO: 2004-03609 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND BANK ONE NA VS RUDA JOSEPH S ET AL CPL. MICHAEL BARRICK , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon RUDA TERRI L the DEFENDANT , at 1326:00 HOURS, on the 2nd day of September, 2004 at 65 DERBYSHIRE DRIVE CARLISLE, PA 17013 by handing to TERRI RUDA a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 6.00 .00 .00 10.00 .00 16.00 ~(.d/':.. '" -r .;~'~ ,.:'", '^ r;4' (~ .tf( "~~~':f<<"r'" R. Thomas Kline 09/03/2004 WELTMAN WEINBERG Sheriff Sworn and Subscribed to before me this Js~ day of ~~> 02voSl A.D. il 'f:;':::. Q '"'>h~PiJ,.~ <fuI '-. ~ Prothonotary , . IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION BANK ONE, NA, assignee of CALIFORNIA LENDING GROUP, INC, d/b/a UNITED LENDING GROUP, Plaintiff No, 04-3609 CIVIL TERM vs. JOSEPH S RUDA and TERRI L. RUDA, PRAECIPE FOR DEFAULT JUDGMENT (IN REM) Defendants I HEREBY CERTIFY THE ADDRESS OF PLAINTIFF IS: 111 East Wisconsin Ave Milwaukee, WI 53202 Kimberly J, Hong, Esquire PA 1.0, NO. 74950 AND THE DEFENDANT IS: 65 Derbyshire Drive Carlisle, PA 17013 WELTMAN, WEINBERG &~~ CO., L.P.A. BY: / f ~ ATTORNEYS FOR PLAINTIFF Weltman, Weinberg & Reis Co" L,PA 2718 Koppers Building 436 7'" Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#03721017 THIS LAW FIRM IS ATTEMPTING TO COLLECT THIS DEBT FOR ITS CLIENT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. - IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION BANK ONE, NA, assignee of CALIFORNIA LENDING GROUP, INC" d/b/a UNITED LENDING GROUP, Plaintiff No, 04-3609 CIVIL TERM vs, JOSEPH S. RUDA and TERRI L, RUDA, Defendants PRAECIPE FOR DEFAULT JUDGMENT (IN REM) TO THE PROTHONOTARY Kindly enter Judgment against the Defendants, Joseph S, Ruda and Terri L Ruda, above named, in the default of an Answer, in the amount of $99,746.01 computed as follows: Principal Interest thru 3/31/05 at the legal interest rate of $31,18 per diem Late Charges thru 3/31/05 NSF fees thru 3/31/05 Recording fees thru 3/31/05 Suspense Balance thru 3/31/05 Execution Costs thru 3/31/05 Attorneys fees thru 3/31/05 Title Search TOTAL $ 87,624.77 $ 9,448,98 $ 1,775,04 $ 55,00 $ 73,50 $ (281,28) $ 0.00 $ 1,00000 $ 50,00 $ 99,746,01 With continuing interest at the aforesaid rate plus appropriate additional attorney fees and costs, I hereby certify that appropriate Notices of Default, as attached have been mailed in accordance with PA RCP 237,1 on the dates indicated on the Notices, WELTMAN, WEI~G & REISCO, LPA / ti'\/'../ / By: Kimberly J, Hong Weltman, Weinberg & Reis Co" LPA 2718 Koppers Building 436 7'h Avenue Pittsburgh, PA 15219 (412) 434-7955 AFFIDAVIT OF NON.MILlTARY SERVICE The undersigned does hereby verify subject to the penalties of 18 Pa,C,S, Section 4904 relating to unsworn falsification to authorities, that the parties against whom Judgment is to be entered according to the Praecipe attached are not members of the Armed Forces of the United States or any other military or non-military service covered by the Soldiers and Sailors Civil Relief Act of 1940, The undersigned further states that the information is true and correct to the best of the undersigned's knowledge and belief and upon information received from others, WELTMAN, WEIN~GREIS CO , L P A. / By: , Kimberly J. Hong Weltman, Weinberg & Reis Co., LPA 2718 Koppers Building 436 ih Avenue Pittsburgh, PA 15219 (412) 434-7955 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION BANK ONE, NA, assignee of CALIFORNIA LENDING GROUP, INC" d/b/a UNITED LENDING GROUP, Plaintiff, v, NO.: 04-3609 Civil Term JOSEPH S, RUDA and TERRI L RUDA, Defendants IMPORTANT NOTICE TO: Joseph S, Ruda 65 Derbyshire Drive Carlisle, PA 17013 . /' '7\ \ ~ \ DC) Date of Notice: YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED OF YOU IN THIS CASE, 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 NOTICE TO A LAWYER AT ONCE, IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP: Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 800-990-9108 WELTMAN, WEINB~t5EISCO" LPA By: / 1/1 Kimberly J, Hong Weltman, Weinberg & Reis co, LPA 2718Koppers Building 436 7'" Avenue Pittsburgh, PA 15219 (412) 434-7955 THIS LAW FIRM IS ATTEMPTING TO COLLECT THIS DEBT FOR ITS CLIENT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. . ' IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION BANK ONE, N,A., assignee of CALIFORNIA LENDING GROUP, INC" d/b/a UNITED LENDING GROUP, Plaintiff, v. NO,: 04-3609 Civil Term JOSEPH S, RUDA and TERRI L RUDA, Defendants IMPORTANT NOTICE TO: Terri L Ruda 65 Derbyshire Drive Carlisle, PA 17013 Date of Notice: /~ \ \ ~\ 0 ( YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED OF YOU IN THIS CASE. 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 NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP: Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 800-990-9108 WELTMAN, WEINBERG & REfS CO" LPA By: ~ Kimberly J, Hong I fI Weltman, Weinberg & Reis co, L.PA 2718Koppers Building 4367'" Avenue Pittsburgh, PA 15219 (412) 434-7955 THIS LAW FIRM IS ATTEMPTING TO COLLECT THIS DEBT FOR ITS CLIENT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ~ AJ ~ "bS- \:l:- t ~ ~, D n c-:) 0 t- -~ c.~;. ~"i1. ,yo, F -... () .-1 "T.... :f, ~ "'v -:1 ." jU ~ ...'-' RJ 1 3 V? () ... iU ~ () --:') 0 _._~ ~ c- ~? r l_-;; .~ .;'.:.. '"J. ~2 - w IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION BANK ONE, NA, assignee of CALIFORNIA LENDING GROUP, INC., d/b/a UNITED LENDING GROUP, Plaintiff No. 04..3609 CIVIL TERM vs. JOSEPH S. RUDA and TERRI L. RUDA, PRAECIPE TO SirRIKE JUDGMENT Defendants, FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: Kimberly J, Hong, Esquire Weltman, Weinberg & Reis 2718 Koppers Building, 436 ih Avenue Pittsburgh, PA 15219 (412) 434-7955 PA ID fl!: 74950 VVWR# 03721017 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION BANK ONE, NA, assignee of CALIFORNIA LENDING GROUP, INC., d/b/a UNITED LENDING GROUP, Plaintiff No. 04-3609 CIVIL TERM vs, JOSEPH S. RUDA and TERRI L. RUDA, Defendants. PRAECIPE TO STRIKE JUDGMENT At the request of the undersigned attorneys for the Plaintiff, you are directed to strike the judgment on the above referenced case number. WELTMAN, WEINBERG & REIS CO., L.PA 7 By: . " f' Kimberly J, Hong, Esquire Weltman, Weinberg & Reis 2718 Koppers Building, 436 yth Avenue Pittsburgh, PA 15219 (412) 4:34-7955 PA 10 #: 74950 before me this I f'ill.: -"',."". it, .,. Pi,'~!, i /\,.. 'F"-' '''~'J;> ,;;;...... ~v._. i-... 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