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Home My WebLink About02-0246'McCABE, WEISBERG AND CONWAY, P.C. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 First Union Building 123 South Broad Street, Suite 2080 Philadelphia, Pennsylvania 19109 (215) 790-1010 Household Finance Consumer Discount Company P.O. Box 8604 Elmhurst, IL 60126 V. Carlotta J. Wilson 130 West North Street Carlisle, PA 17013 Attorney for Plaintiff Cumberland County Court of Common Pleas Number CIVIL ACTION/MORTGAGE FORECLOSURE NOTICE AVISO You have been sued in court. [f you wish to defend against the claims set forth in the fo[lowing 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 maney 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. Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas ex-puestas en [as paginas siguientes, usted tiene veinte (20) dias de p[azo al partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia escrita o en persona o con un abegado y entregar a la corte en forma escrita sus defensas o sus objeciones a las demaedaa en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demaeda en contra suya sin previo aviso o notificacion. Adernas, la corte puede decidir a favor del demandante y requiere que usted cump[a con todas las provisiones de esta domanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para uated. 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 HELP. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL D1NERO SUFICIENTE DE PAGAR TAL SERVICO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumber[and County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (717) 249-3166 Cuntber[and County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (717) 249-3166 McCABE, WEISBERG AND CONWAY, P.C. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 First Union Building 123 South Broad Street, Suite 2080 Philadelphia, Pennsylvania 19109 (215) 790-1010 Attorney for Plaintiff Household Finance Consumer Discount Company P.O. Box 8604 Elmhurst, IL 60126 V0 Carlotta J. Wilson 130 West North Street Carlisle, PA 17013 Cumberland County Court of Common Pleas Number CIVIL ACTION/MORTGAGE FORECLOSURE 1. Plaintiff is Household Finance Consumer Discount Company, a corporation duly organized and doing business at the above captioned address. 2. The Defendant is Carlotta J. Wilson, who is the mortgagor and real owner of the mortgaged property hereinafter described, and her last-known address is 130 West North Street, Carlisle, PA 17013. 3. On 2/18/97, Fred D. Wilson and Carlotta J. Wilson made, executed and delivered a mortgage upon the premises hereinafter described to Plaintiff which mortgage is recorded in the Office of the Recorder of Cumberland County in Mortgage Book 1366, Page 976 . 4. Fred D. Wilson departed this life on May 3, 2001 leaving title vested solely in the name of Carlotta J. Wilson. 5. The premises subject to said mortgage is described in the mortgage attached as Exhibit "A" and is known as 130 West North Street, Carlisle, PA 17013. 6. The mortgage is in default because monthly payments of principal and interest upon said mortgage due September 2001 and each month thereafter are due and unpaid, and by the terms of said mortgage, upon default in such payments for a period of one month, the entire principal balance and all interest due thereon are collectible forthwith. 7. The following amounts are due on the mortgage: Principal Balance Interest 8/2001 through 12/4/01 (Plus $11.56 per diem thereafter) Attorney's Fee $ 1,500.00 Cost of Suit $ 225.00 Appraisal Fee $ 125.00 Title Search $ 200.00 GP~AND TOTAL $24,319.82 $ 2,700.89 $29,070.71 8. 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 third party purchaser at Sheriff's Sale. If the mortgage is reinstated prior to the Sale, reasonable attorney's fees will be charged based on work actually performed. 9. Notice of Intention to Foreclose as required by Act 6 of 1974 (41 P.S. §403) and notice required by the Emergency Mortgage Assistance Act of 1983 as amended under 12 PA Code Chapter 13, et seq., commonly known as the Combined Notice of Delinquency has been sent to Defendant by regular and certified mail. WHEREFORE, Plaintiff demands Judgment against the Defendant in the sum of $29,070.71, together with interest at the rate of $11.56 per diem and other costs and charges collectible under the mortgage and for the foreclosure and sale of the mortgaged property. TERRENCE J. McCABE, ESQUIRE Attorney for Plaintiff VERIFICATION The undersigned, Angela Williams, hereby certifies that she is the Foreclosure Specialist of the Plaintiff in the within action, Household Realty Corporation, and that she is authorized to make this verification and that the foregoing facts are true and correct to the best of her knowledge, information and belief and further states that false statements herein are made subject to the penalties of 18 PA.C.S. §4904 relating to unsworn falsification to authorities. ANGE~ W I~-'IAM~ f MORTGAGE · .. THIS MORTGAGE is made this 18Ta ~y of FfBRUaflY 19 97 , ~w~ ~e Mortgagor, FRED O WIL~ON CARLOTTA J WILSON '(her~in 'l~orrow~"}, an~ Mortgag~ HOUSEHOLD I=INANCE CONG~ER DISCOUNT COMPANY . a ~r~i~ 9~nlz~ ~ ~ing u~er ~e l~ws o[ ~ ~NNSYLVAN I A' , ,wh~ ~d~ is ~5 GA~WAY DRIVE, SUITE 107, MECHANICSBURG, PA 13055 (h~r~in "~d~"), The following paragraph p~eded by ~ checked ~x is applicable. ~A$, ~rr~cr i~ in~b~ to ~nd~ in ~e ~oip~ ~m of $ 26,458. ~ , c~ by ~r~wers:'~ Re~ym~t s~ ~dly ~m~t or ~n~r~ Morl~e L~n A~ment da~ ~ESRUARY 18. lgg~ ~ s~y ~o~o~ or r~ew~s ~hemof (h~ela "Note'), provi~i~ fOr mon~ly ~stallm~ ~princi~l and in~r~t, i~ludi~ any adj~m~ m th~ amo~ of paym~ or the con.am rs~ if that ~ i$ variable, with the ~la~e of the in~. if ~t ~ner ~id, due sad ~yable ~ FEORUA~Y 1~, 2012 ; ~ WHER~S, Borrower ia in~bt~ to ~der ~ the ~in~i~l ~m of $ , or so m~h ~of as may ~ ~vanced pu~nz m ~rrower's R~vol~ L~ ~ment ~ and ~a~ons and r~ew~s ~f (b~n 'Note" ), p~v[~ for mo~y i~t~lmea~, and i~r~t at ~b ~e ~d under the t~ s~ifi~ in the No~, induing any adjo~mm~ in ~e in.rest ~te if ~at rate is v~.ia~e, a~ pro~ding for t cr~it limit s~t~ in ~e prln&~l ~m a~ve ~d an ini~ll advance of $ ; TO SECURE ~o L~acr the ~ym~t o~ (1) thc indexings evld~d by the ~ote, with inter~t t~reon, iacl~in8 any incr~s if ~c ~a~a~ ra~ is variable; {2) furore ~n~ und~ any ~evolvl~ ~aa A~r~m~t; (3) the ~ym~t of all ~h~ sums, wi~ in~ ther~n, ad~n~ ie acco~aace herewkh m ~ot~t thc ~y of ~s Mo~tza~e; and {4) t~ per[orinase of ~e ~ a~ ~ents o[ Borrower he.in coni~n~, B~r~w~r ~s hereby mo~, ~raat and convey ~ ~o~r ~d ~ag~'e s~c~ors aM asi~ ~ followln~ d~r]~ pro~y lo.ted in ~o County of ~UM~ERLAN0 Commonw~l~ ALL THAT CEKTAI~ FAOPEaT¥ SIYU/?GO IN TIlE BO~OOG~ Dr C*K~ISLE I~ TKE CO~TY 05 CUSBE~LANO ANO COIt~EALTfl OF tEIMSYLVJ~N]A, BEING It~RE FULLY VESCRZSED IH ~ ~ECO~S OF ~HG COU~Y ~D S~i~ SET FOK~ ~OYE. Ia VO~U~t PI9 ~Gi 463. I~ILE OOPY EXHIBIT "A" Sl/aO'd P/_EIO6/_SIEI5 o± I~PLg. LIS OCS GqOHBSROH ~ W~ 8B:0[ I00E II DB(] al ~age; ~d ~11 of th~ lor~:,oing, togemer w~m ~ pr~rt~ ~or ~u~ ~- ....... ~nd ~nvey ~ ~Y. and 1~$ ~e pro~y i$ ~~ exc~ for encum~nc~ ~ ~r&. ~fmw~ ~n~ ~a~ ~ow~ wa~a.~ ~d ~11 ddend ~l~ ~ 6~e to ~ Pro~y a~in~ ~1 clams and dem~ds, g ~ on a vafiabl~ ~te ~. T~e c0~t ra~ of i~$~ ~d ~m~ amoua~ m~ ~ sub~ to c~age ~ ~d in the N~e. Bo~wee ~ ~aU ~omp~y ~y wh~ d~ aU amounts requt~ ~ ~ Note. ~ds f~ Ta~es and I~ ~ur~c~. ghb~t to ap~ioa~ [e law or walv~ by ~d~r. Bor~w~ ~11 ~g m ~ o ~ day monthly paym~.nt~ of princiPal and interest are l~v~l~cnt ~mcn~, if a~} which may a~in p~ ~', pl~ on~w~lfth o~ ye. ely ~e~vm i~u~mca~ ii lmen~ f~ mO~age i~u 'ance, if any. all ~ t~nat payable undcr thc Note, uatil the Note is paid in full, a xes and. a~esameats {including co~.dominiom and planned }rity owr this Mortgage and ground r~tts on the Property, or hazard in~'ance, plx3s one=twelfth o[ ye,.rly premium e~tlmauxl initially and from time to time by Lender on thereof. Borrower shall not be obligated to make such. .~nt$ of Funds to Lender o the extent that Borrower: akes such paymCn~ to th~ holder of a pflor mortgag~ or bf tru~ if such ~l~r ~ m i~titutional le~er. · ~wer ~yu Pun~* to ~nd~, ~e Pun& ~all be h~d ia an in. to, on ~ de~ or acco~ of which ate' ~ or ua~n~ by a Fe ~e~l or ~ agency (inclu~ng ~nder if ~&r is ~u~ an i~ti~on). ~ndo~ $~l ~c ~y ag~ in w~og ~ c ~h~ time. of execution of ~is Moct~e ~wer, a~ unt~ ~oh ~, emen~ i$ made or a~Hcabl6 law r~r~ such inter~t ?~ to ~y Borrower ~)' /ute~ or ~nin~ ~ thc u~. L~r shall give ~ Borrower. Wi~out charge, ~oun~ng of th~ ~und; ~owi~ cr~ik¢ and ~bi~.to the F~ and tho w~ made. %e F~ arc ~1~ ~ ad~fi~al ~tY for the ~. ~ho amo~t Of ~o ~ ~1~ by ~n~r~ ~g*~ wlt~ ~e future mo~Y i~llm~ o~ ~ ~yablo ~ior to u= da~ of ~X~. a~m. n~, ~ura~e ~mium~ an~ ~und ~, sh~[ exc~d the amouat r~f~ ~ ~Y ~id ~m~, i~ur~ ~.-~ium$ and ~d ~ $ ~ey iall due. su~ ~c~ ~l ~, at ~o~ow~ s 0~, promptly r~id to ~:.owgr or credi~ to ~w& ~ mo~ly ins~llme~g ~14 by ~d~r ~slt n~ t ~ ~ffi~t m pay ~, ~m~ im~ pt~iums t~. Bor~w~ ~h~l ~ ~ ~n~r a~ amo~t n~y to mak~ up { ~ may ~ui~. ~ ~m~nt in f~l of ~' ~ms s~u~d by l~ Moriit~6, ~nd~ ~1 ~om~ly bY L.nd~n If un~r ~ra,~sph 17 he~o~ ~hc Pro~ is ~ o~ ~ ........ ~- -:--- *. a~li~Qon ~ i ~i~ *~i~ the sums ~ur~ b~ th~ ~- ~ . ~ppll~tion of Palmer m. ~x~t for l~s ~ g~g ~o mc ~1 ~ym~ r~V~ by ~ ~ th~ Note ~ ~ ~ap~ .l and 2 her~f i~: of ~o~ ~1~ ~ L~d~ .by ~r~w~ ~ ~ ~a~ph 2 h~f, ~en tn ~t, and thru to the ;Prior Mortgages and l, eed of Trust; Cbafgex; r any mortgage, deog of trUSt or Otl~'r securiW a~ ding ~ow~'s cov~ s ~0 mak6 paymcn~ ~m~ and o~er c~r~s, ~a~, a~ I~d ~< a~ or gw~d r~. i~ any. aaa. Borrower shall perform all of ]Borrower's obligations meat with a lieri which has prlori~ over this Mortgage, d~. Borrower .ball pay or ca.sc to ~e p~id all tax~ ,tabl~ to th, Property which may attain a priority over this iHaza£d Insurance, Bet: ow~ shall k~p thc improv ~rnents now existing or here. flor erected on the Property ~.d against loc~ by fifo, hi ~ard~ incl~cled within the to Tn "e-xtend-~- coverage," and ~ch other hazards a~ Le~der , rcqoi~. ~e insaranC~ carrier provi ling thc insurance shatl be chela by th~ 13orrowef s~b~ct to approval by Lmnd~r; id~d, tha~ ~ch approval s.:all .not be unfeagombly Wid~b.~Ig. All insurance policiea and ~neWals ~J.~reof shall lac in 91/CO'd P/~IOSLSIEIS O± PPLL LIS ESS aqoHBsnoH Hs w~ ss:0t t0o~ ti DB,2 '- i~ no~ mede ~ompdy by ~orrowet. I~ ~e Pro~ty is a~ned by B~rowet, or ~ Bo~ower f~ls to ~nd ~ ~de~ wi~i~ 30 days f~m ~e ~te nofl~ is mailed by ~nd~ to Borrower thai t~e in~r~ ~ o~fe~ to s~le a ~lalm ~o~ insurance benefi:s, ~nd~ auth~z~ to collect ~d apply ~he i~ce ~ at ~r's ~tion ~ ~ r~ra~on or ~ir et ~ ~:}' or ~ ~c ~ma $ecu~d by this Me.gage. ~. Preservation a~d M~n~nanc~ of Pro~y; Lea~eholde; Condominiums; Planned Unit DevolOpm~ts. Bo~w~ sh~l k~ th~ P~ in ~ re.ir ~d ~h~l no~ commit w~ or permit im~irment or de~tion · e Pro~y and shall comfy with ~he pro~sions of a~ ic~e if ~is Me.gage ~ o~ a It~hold. If this Mo~ is on a ~it in a condom~Mum or a pl~n~ u~t d~lo~ ~wer ehall ~r~m all of ~rrower's obH~ the ~clatagon ~ cove~ crating ~ gov~i~ $h~ coad~inlum ~ pl~ u~t dcv~o~t, thc by'laws ~la~o~ of the ~n~mi~ium or ~a~ onit de~opment. ~d ~t documents. 7, ~Ote~io~ o[ Lende~ g~curlty. I~ Borrower f~ls m p~m ~e ~v~n~ ~ agr~m~ie ~n~ia~ in Mo~gagc,.or if any ~d~ or pr~di~ is ~mmen~ which materially ~ ~nder¥1n~t ia ~ P~, ~der, st Lenders opt~, u~n notice ~ ~tzowet. may ~ake ~ ap~es, dlsbu~ s~h ~ms, inclu~g readable astotney$' fe~. and ~e such action as ia ~ery ~ ~ot~ ~nde~s in~t. ~y amoun~ &sb~ by ~r pu~: ~o lMs para~ph 7, with intcr~t ~he~on, at the con.cs ra~, b~ome a~i~onal in~b~n~ ~ ~er ~r~ by ~s Mo~ge. UM~ Bor~wet and Le~er ague to ~h~ :~ma o[ paymvnt, ~ch amom~ shah ~ payable u~ no,ce from ~nd~ ~ ~ower tequ~i~ paym~ No:king conialn~ in lhls ~ra~aph T sh~ r~ Lend~ to in~r any ~nse or ta~ a~y ac~on hc~. 8. Inspec~on. ~nd~ may take or ca~ ~ ~ ma~ r~so~blc envies upoa and i~tions of the Pro~y, provided ~at Lead~ ~h~t give ~Ottower nolicc ?r~or tO any ~h ~c~on s~cif~ng r~na~c ca~ lh~foc ~lated $o ~et's in~t M ~e P~erty. 9. Congcmuaiion. ~v p~e~ o~ any award et cI~m [or damage, &r~ or ~n~al. in con~flon with any ~ndemnatlon ~ o~her ~lM~ of ~he Pr~y, Or ~ft the~of, cc for ~nvey~ in ~ of co~mnation, a~ here~y ~gned and shall ~e paid to ~od~. sub,ct ~ ~e t~ et any mott~$e, ~ of tt~t or o~er s~ity a~e~t with a lice which h~ priority over this 10. Borrower Not ~clcased; ~orbearance By Lender ~o~ a IValvet. ~slon o[ ~c timz for payment modlflcatio~ of amorti~ of ~e ~oms ~u~ ~ ~is Morlga~ ~an~ by L~det to any ~r in in~r~t of ~tfow~ s~ll not opiate ~ rcl~se, i~ e~ mann~, the liability of the ori~n~ ~rcow~ ~d ~rrow~'~ ~cce~ in in~t. ~nd~ shall no: ~ reqolr~ ~ ~mmen~ pto~l~s agal~t such st~c~o~ or r~u~ to e2t~d ~e paym~t or otherwi~ m~iy amo~ of the a~s ~cur~ ~y ~i~ Mo~ga~ by r~s~ of any demand ma~ by ~e ~igina~ Bor~w~ ~d Bo~ow~'s ~c~ in intel. Any fot~ar~ce by ~der in ~ any right or r~m~y her~get, or oth~i~ ~for~ by appli~$1e ~w, ~all ~o~ be a waiver of or ~lu~ ~c cx~ of ~y he.in c~in~ shall bind, ~d ~e ti~ h~M~ shslt inure lo, ~e ~ve s~c~ors ~d a~ of ~t and- Bo~w~, ~b~t to ~ pro~o~ of p~a~aph 16 ~I. ~1 cov~ and age.Is of ~rrower s~l be m~ ~ve~l. Any ~rrower who ~-ai~ ~s ~l~tgag~, but do~ n~ ~Z~ the No~, (a) is co'~g~ing ~s Mon~ge only ~ morgan, gran: ~d ~av~ ~at ~r~r's in~r~ in lhe Pro~y to L~d~ u~ t~ terms of ~s ~g~, (b) i~ eot ~nally liable on ~e No~e or und~ this Mo~, and (c) a~ ~: L~r ~d ~y ~h~ Bo~ow~ h~un~ may a~ to ex~, m~, for~, or m~e ~y o~er a~Omm~atlo~ wi~ ~ard to the t~ms of t~s Mortg~ or th~ N~e without ~at Bo~w~k ~at ~d wi~out rele~ing tMt B~rower or modifying ~s Mortp~ ~ ~ that Bo~ow~'a ~te~ ia lhe P~r~. Ii, No~. Except for any n~ice r~ ~der a~llca~le hw m ~ ~v~ in another ~a~er, (l} any noti~s to Bor~wec p~vid~ for in this M~t~e ~1 ~ glv~ by d~li~eflng it ~ by ~aili~ ~ no~ b7 c~i~d ad~ ~ ~tow~ at ~ Pto~ Ad~ or si ~ o:h~ ~r~ ~ ~row~r may ~a~ by noti~ ~ as ~id~ ~ei~ ~d (b) a~ no, ce to ~der a~l ~ ~v~ by c~rfl~g m~l to ~ad~'s addr~ s~ h~n or s~ olhe add~ ~ ~n~r may d~te by nofl~ :o ~r~ow~ ~ ~o~d~ h~lm Any ~ti~ ffo~~ for in ~is Mo~ga~ s~li ~ d~m~ to ~ve ~ ~v~ to Borrow~ or ~der w~n given in ~e manner d~i~ 13_ ~ov~rnlng Law; Beverabillty. ~e a~te lnd I~ laws applicable to ~is Mo~ e~-ll ~ ~ laws o[ :he ~uris~on in whi~ ~e Pto~y i~ lo~a~. The to~in8 ~n~6 shall not li~t ~he ap~i~lity of ~ law to ~ ~rt~g~. ~ the even: ~at ~y ~vi~0o or ~la~ of t~s Mo~p~ 0r th~ No~ ~afli~ wi~ appli~ble law, co~kt ~11 not aff~t Otet ~s/o~ ~ ~is Mort~g~ or ~e ~te wMoh ~ ~ glv~ e~f~ wi~out thc p~vi~on, ~d to ~ ~ ~he ~o~ of ~is Mo~g~e and the ~ote ~ ~1~ to be ~verab~e, ~ ~ ~. 'c~,' '~n~' ~d 'a~o~e~ f~' incl~e ~I 8~s ~ ~e ~t not ~ohlblt~ by a~li~ble law ~ limit~ berne. 14. Borrower's Copy. Bo~ ~l ~ f~ a ¢~o~ ~py of ~e No~ ~d of ~ ~ at ~e time of ex~iou or ~ ~ pAOOI~ ~ Transfer of th P Y- · · ~) a tra~cr by ~, excl,~ing (a) thc cf~[on of a li~ ot ~c~m~ge s~o~nate ~o ~s Mog~ ( it, ct by o~tloa et ltw ...... , i ia~ for no~nota lot ~n~lning an op~on ~ ~ ....... ) ' .... I~ .~ ~' ~,~w~ if) a ~ w~cfe ~o ~o or %n of the ~wec ~co ne ~ ow~ Of ~ .~m~, (g) a traa~ r~lt{~ f~m a ~ of &~lu~an of ' , t or from s~ tncx~Ul [~r~ ~ ~grc~t, by which the ~u~ of ~e ~ a ~ ~ . .Y . .. 'L · k ,~: ..... a~[bv ~e ~erat'Home L~ Bank ~ard, Bot~wer shall ...... ra~e~. Bor~Wer ~11 c~tlnue to ~ obli~t~ ~d~ ~e No~ and tMs Mo~gc ~nl~ ~r ~w~ in wri~ng. ~nder d~ nol ~ m ~ sele o~ ~m~er, L~der ~Y d~hre all of ~o sums ~ ~Y ~is M~ to Mlatoly duo and payable- If ~de~ e~ercises ~h o~tion ~ a~I~ate. ~nder s~ll m~l Bor~ow~ ~o~ ~N-UNI~RM COVENA ~s. ~o~we a~ ~ ' . ' : · ~di,:s Bx~ t as provided in[pnrairsph 1~ her~f, u~ he.owl's breach of any [. A~l~s~o~_ R m · P. -. -- ..... ~ ~cludint t~e covenants to pay wu~ dye any · ~ant Of agreement ~ Borrower 1~ tn%~ ~o~sa~, rt s ~- Lender ~rior to acc~le~tlon shall give nolic6 lo B~rower as ~ovided ~d by this ~o t ~.- . . ,,x ..- ~.. · I I t~e Iciio~ requi~d to cure s~ch breach; (~) a da~, graph t2 hereo~ ~pec~} tag. zz~ ~u ..... ch, .2. z~ Borrower, by which such breach mu~ be cured; and ~h~ t0 days from the .late iht ootice is ~ailcd , , each ca or ~fore the ~a~ sp~ffi~ ~ the noxicc may result ~ acccl~atio~ ~e sums ~c~cd by t~,s ~o~Sage, lo~s~surG ~ J~ . ...~ .... so--~lon and ~e riehl to assert i~ il0 ~e shall [~rthcr inf~m Borrower of ~e r~Im to ~l~sm .liar a~ ~l~urc preceding ' in lhe nott~, Len~, ~ ~h~ Of ~y Oth~ COV~:~nIS Or ~gr~nw,~ v. 'm 't~ L ~a ~ch ~yment ~d cur~. y ~w~, ~s M~ge a~ ~ o~i~tions ~ bY shall remain m ~I foi~ ~d ~f~ ~ it ~ ido~t of ~e ~o~Y have thc g~t tO coll~ an~ ro~m suc~ ~u~ ~ --~ -- ~ILE R~QU~T ~OR N~CH OF D~FAULT - AND FOR~CL~U~ U~DER SUP~OR MORTOA~' OR ]DEEDS O~ ~UST der ~ t ~ hold~ of say mort~g~e, d~d of ~t or o~ encumbrance wi~ s Ilea ~hlch h~ ~mbmn~ e ~d of an~ ~o or om~ to~l~v~ ac~o~. . "ANNE A STA-F~O~ /- 25 GATEWAY DRIVE. MECHANICSEUR~. PA 17055 ~ of ~he ~ender. By:. MATT HERMAN ' · j Ti~e; BRANCH NANAGER ~MONWB~TH OF P'~NNS~LYANIA, dUMBFRLAN~ . Coun~ ~ ~RTC O ~ILLHTDE , a No~ ~b~[o in and for ssi ~ ~d s~, ~ ~eby c~fy that ~ally know~ ~o mo ~ ~ :~ ~me pe~n(s) wb~ ~e(s) a ~ e ~ m the fore~oi~ la--merit. ~d ~f~e me ~is ~Y ~ ~n, and'~owl~ ~at! ~ey si~ ~d delive~ ~e ~d i~m~t , ',~ e ~r . ~ ~ee vol~nt~ pCt~ for the ~ n~d ~r~ ~ein ~ fort~ iive~ under my h~nd and .[fici~l seal, this .... SOTAniA~ 18-'ch dayot~ ~ , 1997 - s Res~rvad For RetortS) Below This Lie ~ ~a~ ~ad Rct~ To: I Ho~old Fin~ ~on [ 5~ ~ont Ro~ ~, IL ~1~ HOUSEi-tOLO Fgq~,ICE CORPORATION 5 '"'"'away Drive, $,.ite l~ ~:t..,et~..st~'rte,~;4---=- .... · .... 91/90'd ~&EIOB&GIaI6 01 P~a& &ID 0C9 O]OHBSQOH ~ NM 00: I I [00E [ [ OBO SHERIFF'S RETURN - REGULAR CASE NO: 2002-00246 P COMMONq4EALTH OF PENNSYLVAiqIA: COUNTY OF CUMBERLAND HOUSEHOLD FINANCE CONSUMER VS WILSON CARLOTTA J DAVID MCKINNEY , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon the WILSON CARLOTTA J DEFENDANT , at 1915:00 HOURS, on the 29th day of January , 2002 at 303 NORTH BEDFORD STREET CARLISLE, PA 17013 CARLOTTA WILSON by handing to 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 18.00 Service 3.45 Affidavit .00 Surcharge 10.00 .00 31.45 Sworn and Subscribed to before me this q~--- day of A.D. ! IProthonotary' ' · So Answers: R. Thomas Kline 01/30/2002 MCOABE WEISBERG CON-WAY McCABE, WEISBERG AND CONWAY, P.C. BY= TERRENCE J. McCABE, ESQUIRE Identification Number 16496 First Union Building 123 South Broad Street, Suite 2080 Philadelphia, PA 19109 (215) 790-1010 Household Finance Consumer : Discount Company : V. : Carlotta J. Wilson : Attorney for Plaintiff Cumberland County Court of Common Pleas Number 02-246 ASSESS~I~.NT OF DAY, AGES AND ENTRY OF JUDGMENT TO THE PROTHONOTARY: Kindly enter judgment by default in favor of Plaintiff and against Defendant in the above-captioned matter for failure to answer Complaint as required by Pennsylvania Rules of Civil Procedure and assess damages as follows: Principal Interest from 12/05/01-03/12/02 TOTAL $29,070.71 $ 1,121.32 $30,192.03 AND NOW, this 4~ day of Judgment is entered in favor of TERRENCE J. McCABE, ESQUIRE ;m , 2o , Plaintiff, Household Finance Consumer Discount Company and against Defendant(s) Carlotta J. Wilson and damages are assessed in the amount of $30,192.03, plus interest and costs. BY THE PROTHONOTARY: McCABE, WEISBERG AND CONWAY, P.C. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 First Union Building 123 South Broad Street, Suite 2080 Philadelphia, PA 19109 (215) 790-1010 Household Finance Consumer : Discount Company : V. : Carlotta J. Wilson : Attorney for Plaintiff Cumberland County Court of Common Pleas Number 02-246 AFFIDAVIT OF NON-MILITARY SERVICE COMMONWEALTH OF PENNSYLVANIA: SS. COUNTY OF CUMBERLAND: The undersigned, being duly sworn according to law, deposes and says that the Defendant is not in the Military or Naval Service of the United States or its Allies, or otherwise within the provisions of the Soldiers' and Sailors' Civil Relief Act of Congress of 1940 as amended; and that the Defendant(s), Carlotta J. Wilson, is over eighteen (18) years of age, and resides at 303 North Bedford Street, Carlisle, PA 17013. SWORN TO AND SUBSCRIBED BEFORE ME THIS /~ DAY OF , 2002. TERRENCE J. McCA]BE, ESQUIRE Attorney for Plaintiff NOTARy P~D~Li~) McCABE, WEISBERG AND CONWAY, P.C. BY= TERRENCE J. McCABE, ESQUIRE Identification Number 16496 First Union Building 123 South Broad Street, Suite 2080 Philadelphia, PA 19109 (215) 790-1010 Household Finance Consumer : Discount Company : V. : Carlotta J, Wilson : Attorney for Plaintiff Cumberland County Court of Common Pleas Number 02-246 CERTIFICATION I certify that the foregoing assessment of damages is for specified amounts alleged to be due in the Complaint and is calculable as a sum certain from the Complaint. I certify that written notice of the intention to file this Praecipe was mailed or delivered to the party against whom judgment is to be entered and to the attorney of record, if any, after the default occurred and at least ten (10) days prior to the date of the filing of the Praecipe. A true and correct copy of the notice pursuant to Pennsylvania Rule of Civil Procedure No. 237.1 is attached hereto and marked Exhibit ~~ j~. SWORN TO AND SUBSCRIBED TERRENCE J. McCABE, ESQUIRE BEFORE ME THIS /~ DAY Attorney for Plaintiff OF /~;~fO~ , 2002. VERIFICATION The undersigned, TERRENCE J. McCABE, ESQUIRE, hereby certifies that he is the attorney for the Plaintiff in the within action and that he is authorized to make this verification and that the foregoing facts are true and correct to the best of his knowledge, information and belief and further states that false statements herein are made subject to the penalties of 18 PA.C.S. Section 4909 relating to unsworn falsification to authorities. TERRENCE J. McCABE, ESQUIRE EXHIBIT "A" OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS CUMBERLAND COUNTY COURTHOUSE, CARLISLE, PA 17013 LAWRENCE E. WELKER Prothonotary February 25, 2002 To: Carlotta J. Wilson 303 North Bedford Street Carlisle, PA 17013 Household Finance Consumer : Cumberland County Discount Company : Court of Common Pleas V. : Carlotta J. Wilson : Number 02-246 NOTICE, RULE 237.5 NOTICE OF PRAECIPE TO ENTER JUDGMENT BY DEFAULT IMPORTANT NOTICE NOTIFICACION IMPORTANTE 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 (10) 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 in~portant 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: Court Administrator Cc~nberlancl County Courthouse Car[is[e, PA 17013 (717) 240-6200 TJM/cf Usted se encuentra en estado de rebeldia por no haber presentado una cofrwparecencia escrita, ya sea persona[manta o por abegado y por no haber radicado par escrito con este Tribunal sus defensas u objeciones a [os rectamos formutados en contra suyo. AL no romar La accion debida dentro de diez (10) dias de La fecha de esta notificacion, el Tribunal pedra, sin necesidad de co~%oarecer usted en corte u oir preuba aLguna, dictar sentencia en su contra y usted p~x:tria perder bienes u otros derechos ir~oortantes. Debe L[evar esta notificacion a un abogado iomediatamente. Si usted no tiene abogado, o si no tiene dinero suficiente para La[ servicio, vaya en persona o Llama por telefono a La oficina, non~arada para averiguar si puede conseguir asistencia Legal. Court Administrator CtmnberLand County Courthouse Carlisle, PA 17013 (717) 240-6200 If you have any questions concerning this notice, please call: Terrenca J. McCabe, Esquire McCABE, W~ISBERG AND CONWAY, P.C. First Union Building 123 South Broad Street, Suite 2080 Philadelphia, Pennsylvania 19109 at this telephone n,,~her: (215) 790-1010 OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS CUMBERLAND COUNTY COURTHOUSE, CARLISLE, PA 17013 Curtis R. Long Prothonotary To: Carlotta J. Wilson 303 North Bedford Street Carlisle, PA 17013 Household Finance Consumer : Discount Company : V. : Carlotta J. Wilson : Cumberland County Court of Common Pleas Number 02-246 NOTICE Pursuant to Rule 236, you are hereby notified that a JUDGMENT has been entered in the above proceeding as indicated below. Curtis R. Long Prothonotary Judgment by Default Money Judgment Judgment in Replevin Judgment for Possession If you have any questions concerning this Judgment, please call Terrence J. McCabe, Esquire at (215) 790-1010. IN THE COURT OF COMMON P?.~.~S OF CUMB__ERLAND COUNTY, CIVIL DIVISION Household Finance Consumer Discount Company P.O. Box 8604 Elmhurst, IL 60126 Carlotta J. Wilson 130 West North Street, Carlisle, PA 17013 FILE NO.: PENNsx~VANIA Civil Term AMOUNT DUE: $30,192.03 INTEREST: 3/13/02-09/04/02 @ $4.96 per diem $868.00 ATTY'S COMM.: COSTS: TO THE PROTHONOTARY OF SAID COURT~ The undersigned hereby certifies that the below does not arise out of a retail installment sale, contract, or account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended. PRAECIPE FOR m. YFCUTION Issue writ or execution in the above matter to the Sheriff of Cumberland County, for debt, interest and costs upon the following described property of the defendant (s) 130 West North Street, Carlisle, PA 17013 (More fully described as attached) PRAECIPE FOR ATTACHMENT Rx~.CUTIO)T Issue writ of attachment to the Sheriff of N/A County, for debt, interest and costs, as above, directing attachment against the above-named garnishee(s) for the following property {if real estate, supply six copies of the description; supply four copies of lengthy personalty list) and all other property of the defendant(s) in the possession, custody or control of the said garnishee(s). (Indicate) Index this writ against the garnishee(s) as a lis pendens against real estate of the defendant(s) described in the attached exhibit. March 12, 2002 DATE: Signature: ' ~~- ~ ~. Print Name: TERRENCE J. McCABE, ESQUIRE Address: 123 S. Broad Street, Suite 2080 PhiladelDhia, PA 19109 Attorney for: Plaintiff Telephone: (215) 790 1010 Supreme Court ID No. 16496 LEGAL DESCRIPTION ALL THAT CERTAIN HOUSE AND LOT OF GROUND SITUATE IN THE BOROUGH OF CARLISLE, CUMBERLAND COUNTy, PENNSYLVANIA, BOUNDED AND DESCRIBED AS FOLLOWS; ON THE NORTH BY WEST NORTH STREET; ON THE SOUTH BY TEN (10) FOOT ALLEY; ON THE EAST BY PROPERTY NOW OR FORMERLY OF CLARENCE COMP; AND ON THE WEST BY PROPERTY NOR OR FORMERLY OF D. FREDERICKS; AND CONTINIIING IN FRONT ON WEST NORTH STREET TWENTY-ONE (21) FEET EIGHT (8) INCHES AND EXTENDING AT AN EVEN WIDTH TO A DEPTH OF ONE HUNDRED TWENTY (120) FEET, MORE OR LESS. BEING THE SAME PREMISES WHICH David her attorney-in-fact, Julia M. Keck,Th°mas and Lulu A. Thomas, by by Deed dated October 12, 1981 and recorded in the Office of the Recorder in and for Cumberland County in Deed Book P29, page 463, granted and conveyed unto Fred D. Wilson and Carlotta j. Wilson, in fee. Parcel ID # 05-20-1798-319 Being Known As: 130 West North Street, Carlisle, PA 17013. McCABE, WEISBERG AND CONWAY, P.C- BY= TERRENCE J. McCABE, ESQUIRE identification Number 16496 First Union Building 123 South Broad Street, Suite 2080 Philadelphia, PA 19109 (215) 790-1010 Household Finance Consumer : : Discount Company : V. Carlotta J. Wilson : Attorney for Plaintiff Cumberland County Court of Common Pleas Number 02-246 AFFIDAVIT PURSUANT TO RULE 312% I, Terrence J. McCabe, Esquire, attorney for Plaintiff in the above action, set forth as of the date the Praecipe for the writ of Execution was filed the following information concerning the real property located at 130 West North Street, Carlisle, PA 17013, a copy of the description of said property is attached hereto and marked Exhibit "A." 1. Name and address of Owner(s) or Reputed Owner(s): Address Name Carlotta J. Wilson 303 North Bedford Street Carlisle, PA 17013 Name and address of Defendant(s) in the judgment: Address Name Carlotta J. Wilson 303 North Bedford Street Carlisle, PA 17013 3. Name and last known address of every judgment creditor whose judgment is a record lien on the real property to be sold: Address Name Plaintiff herein. 4. Name and address of the last recorded holder of every mortgage of record: Address Name Plaintiff herein. First Union National Bank F/k/a cumberland Valley savings And Loan Association 123 S. Broad Street Philadelphia, PA 19109 5. Name and address of every other person who has any record interest in or record lien on the property and whose interest may be affected by the sale: Address Name None. 6. 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 Tenant (s) /Occupant (s) Address 130 West North Street, Carlisle, PA 17013 Domestic Relations Commonwealth of Pennsylvania, Cumberland County P.O. Box 320 Carlisle, PA 17015 Department of Welfare, P.O. Box 2675, Harrisburg, PA 17105. 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. Section 4904 relating to unsworn falsification to authorities. March 12, 2002 ~ TERRENCE J. McCABE, ESQUIRE DATE Attorney for Plaintiff LEGAL DESCRIPTION ALL THAT CERTAIN HOUSE AND LOT OF GROUND SITUATE IN THE BOROUGH OF CARLISLE, CUMBERLAND COUNTY, PENNSYLVANIA, BOUNDED AND DESCRIBED AS FOLLOWS; ON THE NORTH BY WEST NORTH STREET; ON THE SOUTH BY TEN (10) FOOT ALLEY; ON THE EAST BY PROPERTY NOW OR FORMERLY OF CLARENCE COMP; AND ON THE WEST BY PROPERTY NOR OR FORMERLY OF D. FREDERICKS; AND CONTINUING IN FRONT ON WEST NORTH STREET TWENTY-ONE (21) FEET EIGHT (8) INCHES AND EXTENDING AT AN EVEN WIDTH TO A DEPTH OF ONE HUNDRED TWENTY (120) FEET, MORE OR LESS. BEING THE SAME PREMISES WHICH David Thomas and Lulu A. Thomas, by her attorney-in-fact, Julia M. Keck, by Deed dated October 12, 1981 and recorded in the Office of the Recorder in and for Cumberland County in Deed Book P29, page 463, granted and conveyed unto Fred D. Wilson and Carlotta J. Wilson, in fee. Parcel ID # 05-20-1798-319 Being Known As: 130 West North Street, Carlisle, PA 17013. McCABE, WEISBERG AND CONWAY, P.C. BY= TERRENCE J. McCABE, ESQUIRE identification Number 16496 First Union Building 123 South Broad Street, Suite 2080 Philadelphia, PA 19109 (215) 790-1010 Household Finance Consumer : Discount Company : : V. Carlotta J. Wilson : Attorney for Plaintiff Cumberland County Court of Common Pleas Number 02-246 NOTICE OF SW~RIFF'S SALE OF REAL PROPERT~ TO: Carlotta J. Wilson 303 North Bedford Street, Carlisle, PA 17013 Your house (real estate) at 130 West North Street, Carlisle, PA 17013, (more fully described as attached) is scheduled to be sold at Sheriff's Sale on September 04, 2002, at 10:00 a.m. in the Commissioner's Hearing Room located on the 2nd Floor of the Cumberland County Courthouse, 1 Courthouse Square, Carlisle, Pennsylvania 17013, to enforce the court judgment of $30,192.03 obtained by Household Finance Consumer Discount Company against yOU. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS S~~wIFF'S SALE TO prevent this Sheriff's Sale you must take immediate action: 1. The sale will be canceled if you pay to Household Finance Consumer Discount Company the back payments, late charges, costs, and reasonable attorney's fees due. To find out how much you must pay, you may call Terrence J. McCabe, Esquire at (215) 790-1010. 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 the following notice on how to obtain an attorney.) YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RI~'~'S 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 Terrence J. McCabe, Esquire at (215) 790-1010. 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 on the sale. To find out if this has happened, you may call Terrence J. McCabe, Esquire at (215) 790-1010. 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 a 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 real estate. A schedule of distribution of the money bid for your real estate will be filed by the Sheriff within (30) days of the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed schedule of distribution is wrong) are filed with the Sheriff within ten (10) days after the posting of the schedule of distribution. You may also have other rights and defenses, or ways of getting your real estate 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 W~mRE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE COURT ADMINISTRATOR 4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE CARLISLE, PENNSYLVANIA 17013 (717) 240-6200 OR CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 (717) 249-3166 FEDERMAN AND PHELAN BY: FRANK FEDERMAN, ESQUIRE Identification No. 12248 1617 John F. Kennedy Boulevard Suite 1400 Philadelphia, PA 19103-1814 (215) ~;63-7000 COUNTRYWIDE HOME LOANS, INC. F/K/A AMERICA'S WHOLESALE LENDER Plaintiff Attorney for Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION VS. ANGELIQUE L. WILT GLENN P. WILT, JR. Defendant(s) CUMBERLAND COUNTY NO. 02466 AFFIDAVIT OF SERVICE OF COMPLAINT BY MAll, PlIg~IIANT TO COIIRT ORI~ER I hereby certify that a tree and correct copy of the Civil Action Complaint in Mortgage Foreclosure in the above captioned matter was sent by regular and certified mail, return receipt requested, to the following persons, to GLENN P. WILT, JR. at 205 EAST CLEARVIEW DRIVE, CAMP HILLPA 17011 on April 1 O: 2002 : in accordance with the Order of Court dated APRIL 12, 2002. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. §4904 relating to unswom falsification to authorities. Date: April lg: 2002 FR~ FEDERMAN, L~QUIRE Attorney for Plaintiff Household Finance Consumer Discount Company vs Carlotta J. Wilson In The Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2002-246 Civil Term R. Thomas Kline, Sheriff, who being duly sworn according to law, states this writ is returned STAYED pursuant to instructions from Attorney Terrence McCabe. Sheriff's Costs: Docketing 30.00 Surcharge 20.00 Law Library .50 Prothonotary 1.00 Mileage 3.45 Levy 15.00 Share of Bills 25.20 Poundage 1.90 $ 97.05 paid by attorney 07/03/02 Sworn and subscribed to before me This /o -~. day of ~ 2002, A.D.~,~~z~ Prothonotary So Answers: R. Thomas Kline, Sheriff Real Estat~e Deputy Real Estate Sale #17 On May 9, 2002 the sherifflevied upon the defendant's interest in the real property situated in Carlisle Borough, Cumberland County, PA Known and numbered as 130 West North St., Carlisle and more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: May 9, 2002 By: Real Estate Deputy McCABE, WEISBERG AND CONWAY, P.C. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 First Union Building 123 South Broad Street, Suite 2080 Philadelphia, PA 19109 (215) 790-1010 Attorney for Plaintiff Household Finance Consumer Discount Company Carlotta J. Wilson CUMBERLAND COUNTY COURT OF COMMON PLEAS NUMBER 02-246 ORDER TO DISCONTINUE AND END TO THE PROTHONOTARY: Kindly mark the above-captioned matter discontinued and ended, without prejudice, upon payment of your costs only. TERRENCE J. McCABE, ESQUIRE Attorney for Plaintiff McCABE, WEISBERG AND CONWAY, P.C. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 First Union Building 123 South Broad Street, Suite 2080 Philadelphia, PA 19109 (215) 790-1010 Attorney for Plaintiff Household Finance Consumer Discount Company Carlotta J. Wilson CUMBERLAND COUNTY COURT OF COMMON PLEAS N-JMBER 02-246 PP~AECIPE TO WITHDRAW JUDGMENT TO THE PROTHONOTARY: Kindly withdraw, without prejudice, the above captioned Default Judgment which was filed with the Prothonotary on March 20, 2002. TERRENCE J. Mc~BE, ESQUIRE