HomeMy WebLinkAbout01-4845BANKONE, NATIONAL ASSOCIATION, TRUSTEE
Plaintiff
VS.
CHARLES J. SMEIGH
Defendant
1N THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
~['/'t/¢~ CIVIL ACTION- LAW
ACTION OF MORTGAGE FORECLOSURE
THIS FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTINGTO COLLECT
A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU
WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT.
NOTICE
You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action
within twenty (20) days after the 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
claim in the Complaint of 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 LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE
CARLISLE, PA 17013
717-249-3166
AVISO
LE HAN DEMANDADO A USTED EN LA CORTE. SI DESEA DEFENDERSE CONTRA LAS QUEJAS
PERESENTADAS, ES ABSOLUTAMENTE NECESSARIO QUE USTED RESPONDA DENTRO DE 20 DIAS DESPUES DE
SER SERVIDO CON ESTA DEMANDA Y AVISO. PARA DEFENDERSE ES NECESSARIO QUE USTED, O SU ABOGADO,
REGISTRE CON LA CORTE EN FORMA ESCRITA, EL PUNTO DE VISTA DE USTED Y CUALQUIER OBIECCION
CONTRA LAS QUEJAS EN ESTA DEMANDA.
RECUERDE: SI USTED NO REPONDE A ESTA DEMANDA, SE PUEDE PROSEGUIR CON EL PROCESO SIN SU
~ARTICIPACION. ENTONCES, LA COUTE PUEDE, SIN NOTIFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y
REQUERIRA QUE USTED CUMPLA CON TODAS LAS PROVISIONES DE ESTA DEMANDA. POR RAZON DE ESA
DECISION, ES POSSIBLE QUE USTED PUEDA PERDER DINERO, PROPIEDAD U OTROS DERECHOS IMPORTANTES.
LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATEAMENTE.
SI NO CONOCE A UN ABOGADO, LLAME AL "LAWYER REFERENCE SERVICE" (SERVICIO DE REFERENCIA
DE ABOGADOS), (215) 238-6300.
CUMBERLAND COUNTY LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE
CARLISLE, PA 17013
717-249-3166
BANKONE, NATIONAL ASSOCIATION,
TRUSTEE,
Plaintiff
VS.
CHARLES J. SMEIGH,
Defendant
1N THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION LAW
ACTION OF MORTGAGE FORECLOSURE
THE FOLLOWING NOTICE IS BEING PROVIDED PURSUANT TO THE FAIR DEBT
COLLECTION PRACTICES ACT, 15 U.S.C. 1601
The undersigned attorney is attempting to collect a debt owed to the Plaintiff, and any
information obtained will be used for that purpose. The amount of the debt is stated in this
Complaint. Plaintiff is the creditor to whom the debt is owed. Unless the Debtor, within thirty
(30) days after your receipt of this notice disputes the validity of the aforesaid debt or any
portion thereof owing to the Plaintiff, the undersigned attorney will assume that said debt is
valid. If the Debtor notifies the undersigned attorney in writing with the said thirty (30) day
period that the aforesaid debt, or any portion thereof, is disputed, the undersigned attomey shall
obtain written verification of the said debt from the Plaintiff and mail same to Debtor. Upon
written request by Debtor to the undersigned attorney within said thirty (30) day period, the
undersigned attorney will provide debtor with the name and address of the original creditor if
different from the current creditor.
PURCELL, KRUG & HALLER
1719 North Front Street
Harrisburg, PA 17102
(717) 234-4178
Attorney I.D.//15700
Attorney for Plaintiff
BANKONE, NATIONAL ASSOCIATION,
TRUSTEE,
Plaintiff
VS.
CHARLES J. SMEIGH,
Defendant
IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
:
CIVIL ACTION - LAW
:
: ACTION OF MORTGAGE FORECLOSURE
COMPLAINT IN MORTGAGE FORECLOSURE
1. Plaintiffis BANKONE, NATIONAL ASSOCIATION, TRUSTEE, a national association, acting
through its servicing agent, Homecomings, Financial Network, Inc. whose address is 9275 SKY PARK
COURT, SUITE 300, SAN DIEGO, CA 92123.
2. Defendant, is CHARLES J. SMEIGH whose last known address is 268 CARLISLE AVENUE, ENOLA,
PA 17025.
On or about, August 9, 2000, the said Defendant executed and delivered a Mortgage Note in the sum of
$38,950.00 payable to AMERIQUEST MORTGAGE COMPANY, which Note is attached hereto and
marked 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 in Mortgage Book 1631, Page 813 conveying to original Mortgagee the subject
premises.
5. The land subject to the Mortgage is: 268 CARLISLE AVENUE, ENOLA, PA 17025 and is more
particularly described in Exhibit "B" attached hereto.
6. The said Defendant is the real owner of the property.
7. The Mortgage is in default due to the fact that Mortgagor has failed to pay the installment due on March
01, 2001 and all subsequent installments thereon, and the following amounts are due on the Mortgage:
UNPAID PRINCIPAL BALANCE
$38,911.15
Interest at $15.70 per day
From 02/01/2001 To 09/01/2001
( based on contract rate of 14.5250%)
$3,328.40
Accumulated Late Charges
$0.00
Lme Charges $28.66
From03/01/2001 to 09/01/2001
$171.96
Escrow Credit
($410.44)
Attorney's Fee at 5% of Principal Balance
TOTAL
$1,945.56
$43,946.63
**Together with interest at the per diem rate noted above after September 01, 2001 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 third party purchaser at Sheriff's Sale. If the
Mortgage is reinstated prior to the sale, reasonable attorney's fees will be charged that are actually
incurred by Plaintiff.
8. No judgement has been entered upon said Mortgage in any jurisdiction..
Plaintiffhas complied with the notice procedures required by Pennsylvania Act 160 of 1998 by sending
to each Defendant, by regular mail, a copy of the Combined Act 6/91 Notice. A true and correct copy of
the Combined Act 6/91 Notice, along with a copy of the Certificate of Mailing, is attached hereto as
Exhibit "C".
t0. Defendant is not a member of the Armed Forces of the United States of America, nor engaged in any
way which would bring him within the Soldiers and Sailors Relief Act of 1940, as amended.
11. The Defendant has either failed to meet the time limitations as set forth under the Combined Act 6/91
Notice or has been determined by the Pennsylvania Housing Finance Agency not to qualify for
Mortgage Assistance.
WHEREFORE, Plaintiffdemands judgment in mortgage foreclosure "IN REM" for the aforementioned
total amount due together with interest at the rate of 14.5250% ($15.70 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.
By:
PURCELL, KRUG & HALLER
Leon P. Haller, Esquire
Attorney for Plaintiff
I.D. # 15700
1719 N. Front Street
Harrisburg, PA 17102
(717-234-4178)
Loan No. 17118076-5697
ADJUSTABLE RATE NOTE
(UBOR Index - Rata Caps)
THIS ,NOTE CONTAINS PROVISIONS AL.LOWING FOR CHANGES IN MY INTEREST RATE AND MY MONTHLY
PAYMENT. THIS NOTE LIMITS THE AMOUNT MY INTEREST RATE CAN CHARGE AT ANY ONE TIME AND THE
MAXIMUM RATE ! MUST PAY.
July 26, 2000 ORANGE CA
[Oa~el [CI~yl [StateI
268 CARIJSLE AVE
ENOLA, PA 1702~
1. BORROWER~d PROMISE TO PAY
In return for a loan that I have received, I peom!se to day U.S. $ 38,~J~.g0 (iNs amount Is
called *p~ncipar), plus interest, to I~e om!er of the Lender, The Lender is AM~..]~(~!J~ST MO~.TGA G~.. COM~A.N~
, and on ~at day
, Loan No. 17118076-5697
(D) L;mlu on .fot~r~t Rate Om~g~
(F) Notice of Cbenge~
The Note Holder will deliver or mall to me a notice of any cha~ges in my Lqterest rate and the amount of my monthly payment
before the effective date of any change. The nolic, e wil~ includo thtermelinn required by law to be given me and also ~he
and telephone number of a pera~1 who will answer any question I may have regarding the notice.
BORROWER'S RIGHT TO PI~-PAY
I may repay this Note at any ~ as pmvlbed for'in this paragraph. If, within five (5) years fTom the date of the execubon of the
Mortgage or Deed which secures this Note, I make a voluntaf7 m' involunterj prepayment dudng any conm~oJtlve twelve (12)
monto pe¢~l of any amouilt In e~eess of twenty percent (20%) of the original principal amount of this Note, I agree to pay a
prepayment charge equal fo six (6) mo~ths advance interest on all amounts paid in exce-~s of my scheduled monthty paymente that
(D) No Waiver by Note Holder
Even if, at a lime when I aun in de~ulC the Note Holder does not require me to pay immediately in furl as described above, the
(E) payment of Note H~de~a C4~ts and ExPeAaO~
2of3
ADJUSTABLE RATE RIDER
(LIBOR Inde~ - P~te Caps)
THIS ADJUSTABI~ RATE R~ER is mede th~s ?.6th de,j of July
2000 , and is incorporteed into end shell be deen~d to amend end supplement the Mong~e, Deed of
secure l~rmwer's Adjt.m~le Ratc Note (the *Note") to AMERIQUIBST MORTGAGE COMPANY
(B) ~ne ~ndex
Eighth peach.ge points(s) ( 7,12~ ~z~ to
Lmm No. 17118076-569T
~D) L~l~s on Intm~t ~te ~
~ ~ of ~
TAX PARCEL NO, 09-13-1002-224
ALL TMAT CERTAIN lot, parcel, piece of 9round situate in East Pennsboro Township,
Cumberland County, Pennsylvania, bounded and described as follows, to wit:
BEGINNING at a point on the eastern line of Carlisle Avenue, said point being One
Hundred Fifty-four (154) feet, more or less, South of the southeast corner of the
intersection of said Carlisle Avenue and Church Street, said Church Street now
being known as' Shady Lane; thence in an easterly direction along the southern
line of Lot No. 14, a distance of One Hundred Fifty (150) feet, more or less, to
a point on the western line of a public alley; thence in a southerly direction
along the western llne of said public alley, a distance of One Hundred (100)
feet, more or less, to a point on the northern line of Lot NO. 17; thence
westerly along the northern line of said Lot No. 17, a distance of One Hundred
Fifty (150) feet, more or less, to a point on the eastern line of aforementioned
Carlisle Avenue; thence ina northerly direction along the eastern llne of said
Carlisle Avenue, a distance of One Hundred (100) feet, more or less, to a point,
THE PLACE OF BEGINNING.
BEING all of Lot Nos. 16 and 16 Block B on the Plan of Lots of Enola Terrace,
said Plan being recorded in Plan Book 1 page 3.
HAVING THEREON ERECTED a ranch type residence known as 268 Carlisle Avenue,
Enola, PA.
BEING the same premises which R. Thomas Kline, Sheriff of Cumberland County by
deed dated September 20, 1999 and recorded Spetember 21, 1999 in the office of
the Recorder of Deeds for Cumberland County in Deed Book 208 p~ge 55, granted and
conveyed to ContiMortgage Corporation
Ap~llg. 2001
0432644185
Cb. aries J Sm~gh
268 CarhsleAve
Enola, PA 17025
Certified Mail, Return Rec~pt Requested
Re: Property Address: 268 Carlisle Ave
Enola. PA 17025
Loan Number: 0432644185
A default exists under the above referenced Mortgage/Deed of Trust, loan agreement. The action required to
cure the default is the payment of all sums due under the Mortgage/Deed of Trust loan agreement. As o f the
date of this le~er the total amount due is $ 1,271.22. That sum includes the following:
2 payments totaling: $ 1,213.90
La~e ch~gas: $ 57.32
Othar fees and/or costs N/A
Unapplied Funds: N/A
The total ~uaount due shown above is subject to ftn-~her increases for additional monthly payments, late
charges, atlomey fees, and/or other fees and cost which may become due, aS. er the date of this letter. To
obtain an updato of the total amount due to cure this default, contact us at 1.800.206.2901.
TO CURE THIS DEFAULT, SEND YOUR CASHIER'S CHECK, MONEY ORDER, OR CERTIFIED CHECK:
IN THEAMOUNT OF $ 1,271.22 BY May 1}~ 2001 TO THE FOLLOWING ADDRESS: Homeoomin~
Financial, P.O. Box 78426 Phoenix, AZ 850§2-842fi OR. OVI~KNIGHT TO: 2445 W. Dunlap Avenue,
Suite 10O Plme~x. A~ 85021-2803.
If the dof-~ult is not cured within ti'fifty (30) days of the mailing of this letter, the lender, without further notice
or demand, will accelerate the maturity date of the Note and declare all sums secured by the Mortgage/Deed
of Trust to be immediately due and payable. The lender then intends to have the prop~'ty sold at a publio
foreclosure ~le After accelerat/on, a cUnng of the ~efault and re/nstaternent of the loan will be perrmtted up
to tho time of the sale by paying the past due monthly payments and other sams then due under the
Mortgage/Deed of Trust loan agreement and by complying with all tams of r~nstatement.
You have the fi~l~ to brin~ a cour~ action to assert the nonexistence of a ~fault or any other defense that may
ec~ist to prevent accelaration and sale of the property.
THIS NOTICE IS SENT TO YOU IN AN ATTElv~T TO COLLECT THE INDEBTEDNESS REFERRED
TO HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE.
Sincerely.
Loan Counse~ Department HLH
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR
HOME FROM FORECLOSURE
THIS NOTICE IS SENT TO YOU IN AN ATTEIV~T TO COLLECT THE INDEBTEDNESS REFERRED TO
HEREIN AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE.
This is an official no~ice llmt the mor'cgage on your home is in default, and the lender intends to foreclos~
Specific information abou~ the nature of the default is provided in the attached pases.
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) ma,/ be able to help to save yo~r
home. This Notice explains how the progrm'n works.
To see if HEMAP can hel~, you must IvlEET WITH A CONSUMER CREDIT COUNSF. T.ING AGENCY WITHIN
30 DAYS OF TH DATE OF THIS NOTICE. Take this notice with yan when you mee¢ with the Couns~li~,o,
Agency.
The name, address and phone number of Consumer Credit Counseling Agencies servxng your County are listed ~t
the end of this Notice, If you have any qu~tions, you may ca~ the P~sylvana Houshag Flrance Agency to~ free
at 1-800-342-2397. (Persons with impaired he.ring can call (717) 780-1869>.
This Notice contains important legal information. If you have any questions, representatives at the Consumer
Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your are~.
The local ba~ association may be able to help you fred a lawyer.
LA NOTIFICACION EN AD JUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A
CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION
OBTENGA UNA TRADUCCION IIvIMEDIATAMENTE LLAMANDA ESTA AGENCIA (PENNSYLVANIA
HOUSING FINANCE AGENCY) SIN CARGOS AL NUIvlERO MENCIONADO ARRIBA. PUEDES SER
FI.EGIBLE PARA UN PRESTAMO P0R EL PKOGRAMA LLAMADO "HOMEOWNER'S F_i~GENCY
MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERI)IDA DEL
DERECH0 A REDIMIR SU HIPOTEC.~
Dale: April 19.2001
TO:
Charles J Smel~
268 Carlisle Ave
Enola, PA 17025
Prermses: 268 Carlisle Ave
Enola, PA 17025
Re: LoanNumher. 0432644185
FROM: Homecominss Ffi*~cial
I"IOM~OW~S' EMERGENCY MORTGAGE ASSISTANCE PROGP~NI
YOU MAY BE ]~IGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR. HOME FROM
FORECLOSURE AND HELI~irOU MAKE ~ MORTGAGE PAYMEr~S
IF YOU CO1V~LY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSITANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE:
IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES
BEYOND YOUR CONTROL,
IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO
PAY YOUR MORTGAGE PAYMENTS, AND
IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS
ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE
AGENCY.
TEMPOKARY STAY OF FORECLOSURE -- Under the Act, you are eatitled to a t~npora~/stay of foreclosure
on your mo~gage for thirty (30) days from the date of this Notice. During that time, you must arrange and attmd
a "face-ta-face" me~tiag with one of the consumer credit counseling agencies listed at the ~md of this Notice.
THIS rvlP.~iiNG MUST OCCUR WITHIN THE NEXT 30 DAYS. IF YOU DO NOT APPLY FOR
EMERGENCY MORTGAGE ASSISTANCE, YOU IvlUST BRING YOUR MORTGAGE UP TO DATE. TH~
PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO
BRING YOUR MORTGAGE UP TO DATE.
CONSUMI~ CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counsMing
agmcies listed at the e~d of tiffs notice, the lender may NOT take action aga~st you for thirty (30) days after the
date of this me~ing The names, addresses and telephone numbers of designated consumer credit couns~J~
agmcies for the county in which the property is located are set forth at the end of this Notice. It is only
n~cessary to schedule one face-to-face meeting. Advise your lender tmmediat~ly of your intmtions.
APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later
in this Notice (see following pages for specific information about the nature of your default.) If you have tried
and are unable t~ r~solve this problem with the leader, you have the right to apply for firmncfal assistance from the
Homeowner's Emergeacy Mortgage Assistance Program To do so, you must fill out, sign and file a complied
Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling
agencies ~ at the end of this Notice. Only consumer credit counseling agemcies have apptications for the
program and they will assist you in submit~g a complete application ta the PennsylTM Housing Finance
Agency. Your application MUST be filed or postmarked within they (30) days of your face-to-face meeting
LENDI~I~ CONTACT IN REGARDS TO PI~INgYLVANIA HOUSING FINANCIAL ASSISTANCE
HomeComings Financial Network
9275 Sk7 Pm'k Court
San Diego, CA 92123
Attn: Loss Mitigation Depar~nent. Steven Roark
Phone: 1-888-810-4687, ~. 5130
ALL CORRESPONDI~CE REGARDING PHFA ASSISTANCE SHOULD BE FORWARDI;I) TO THE
~80VE R~IaltI~CED ADDRESS.
YOU MUST FILE YOUR APPLICATION FROMP~LY. IF YOU FAIL TO DO SO OR IF YOU DO NOT
FOLLOW THE OTHER TIME PERIODS SEY FOR"III IN THIS L~l l~aK, FORECLOSURE MAY PRO C:~:~, ]
AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE
WILL BE DENIED.
AGENCY ACTION -- Available funds for emergency mortgage assistance are ve~'y limited. They will be
d~sbursed by the Agency under the eliEibility criteria established by the Act. The P~msylvania HousinE Finance
Agency has sixty (~0) days to make a decision alP. er it receives your application. DUring that time, no foreclosure
proceedings will be pursued against you if you have met the time requireznents set forth above. You will be
notified dkectly by the Pennsylvania Housing Finance Agency of its decision on your application.
NOTE: IF YOU AKE CIJRREI~LY PROTRcI~ BY THE FILING OF A F~IiTION IN
BAi~uFrcY, THE FOLLOWING PA~T OF THIS NOTICE IS FOR INFORMATION PURPOSES
Oi~LY ~ SHOULD NOT BE CON~ iK[J]~ AS AN Al i~PT TO COLLECT THE DEBT.
(If 3mu have filed bankrt~tcy you can still ~pply for Hme~ency Mo~ga~e
Ass~st~uce.)
HOW TO CTJ'I~E YOU'R MORTGAGE DEFATg-LT ~rin~ it up to date).
NATURE OF THE DEFAULT - The MORTGAGE debt hod by the above lender on your propa'%y located at:
268 Carlisle Ave, Eno]a, PA 17025
IS SERIOUSLY IN DEFAULT because:
YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following
months ~md the folloVang amounts are now past due:
Money paymenis fi'am 03/01/01 to 04/01/01 totalin~
Late Charges;
Other fee~ an~/or costs (including NSF c~ges ~d prop~y ~specfions):
~SS: ~p~ F~ds:
TOT~
$ 1,213.90
$ 57.32
N/A
N/A
$ 1,271.22
HOW TO CI.IRE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this
Notice BY PAYING THE TOTAL AMOUI~ DUE TO THE LI~D~, WHICH IS $ 1,271.22, PLUS ANY
MORTGAGE PAYMENTS AND LATE CHARGES WHICH I~ECOME DUE DURING THE THIRTY (30) DAY
PERIOD. Pa~nents must be made either by cash, cashier's check, ce~ificd check or money order made payable
and sent to:
Homecomings Financial, P.O. Box 78426 Phoenix, AZ 85062-8426 OR OVERNIGHT
TO: 2445 W. Dunlap Avenue, Suite 100 Phoenix, AZ 85021-2803.
IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date
of this Notice, the lender intends to exercise its right tn aeeelerate the n~rtgage debt. This means that the
entire outstanding balance of this debt will be considered due mediately and you may lose the chance to pay the
mortgage ia monthly installments. If full payment of the total amount past due is not made within THIRTY (30)
DAYS. the lender also intends to instruct its attorney to state legal action to foreclose upon your mortgaged
property.
[F THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to pay off
the mortgage debt. If the lender refers your case to its attorney, but you cure the delinquency before the lender
begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were
actually iaouered, up to $50.00. However, if legal proceedings are started against you, you will have to pay all
reasonable attorney' s fees actually incurred by the lender, even if they exceed $50.00. Any attorney's fees will be
added to the amount you owe the lender, which may also include other reasonable costs, If .you cure the default
within the THIRTY (30) DAY per. d, .'you ,Mil nat be required to pay atternay's fees.
OTHER LIg~rDI~ REMEDIES - The lender may also sue you personally for the unpaid principal balance and all
other sums dun under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within
the THIRTY (30) DAY period and foreclosure procecdiags have begun, you still have the ri~jat to cure the default
and prevent the sale at any time up to one hour before the SherifFs Sale. You may do so by paying the total
amount then past due. plus any hte or other charges then due, reasomble attorney's fees and costs connected
with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writing by the
lender and by performing any other requirements under the mortgage. Curing your default in the manner set
forth in this Notice will restore your nmrtgage to the same position as ifyou had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the eazliest date that such a Shes'iff s Sale
of the mortgaged prope~y could be held would be apprexinmtely six (§) months from the date of this Notice.
A notice of the actual date of the Sh~iff s Sale will be sent to you before the sale. Of course, the amount needed
to cure the default will increase the longer you walt. You may find out at any time exactly what the requl~ed
payment or action will be by contacting the 1ruder.
HOW TO CONTACT THE Lib'DER:
Homecomings Financial
2711 N. Haskell, Suite P00
Dallas, TX 75204
Attn: Loan Counseling Depaflment
Phone: 1.800.206.2901
P,A~IqaCT OF THE SHERIFF'S SALE - You should realize that a SherifFs Sate will end your ownership of the
moctgaged propezty and your right to occupy it. If you continue to live ia the propeCcy aider the Sheriff's Sale, a
hwsu/t to remove you and your fom/shings and other bdongiags could be started by the lender at any time.
ASSUMPTION OF MORTGAGE - You may_be able to sell or transfer your home to a buyer or transferee who
will assume the mortgage debt, provided that all the outstanding payments, charges and attorney' s fees and costs
are pa/d prior to or at the sale and that the other require:neats of the mortgage are satisfied.
YOU MAY ALSO HAVE TH~ RIGHT:
TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR
TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS
DEBT.
TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT
HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER., YOU DO NOT HAVE THIS
RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR
TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE
PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE
DOCUMENTS.
TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION
BY THE LENDER.
TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
Lomn Counsel~g Depa~meat
Enclosure(s)
List of Cotms~ting Agencies
VERIFICATION
I, Leon P. Haller, Esquire, hereby swear and affirm that the
facts contained in the foregoing COMPLAINT for Mortgage
Foreclosure are true and correct to the best of my knowledge,
information, and belief based upon information provided by
Plaintiff BANKONE, NATIONAL ASSOCIATION, TRUSTEE said facts
contained herein are made subject to the penalties of 18 Pa.C.S.
Section 4904 relating to unsworn falsification to authorities.
Date: August 13, 2001
Leon P. Haller, Esquire
SHERIFF'S RETURN -
CASE NO: 2001-04845 p
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
BANKONE NATIONAL ASSOCIATION
VS
SMEIGH CHARLES J
REGULAR
SHANNON SUNDAY , Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE was served upon
SMEIGH CHARLES J the
DEFENDANT
, at 1759:00 HOURS,
at 268 CARLISLE AVE
on the 23rd day of August , 2001
ENOLA, PA 17025
CHARLES SMEIGH
by handing to
a true and attested copy of COMPLAINT - MORT FORE
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing 18.00
Service 10.40
Affidavit .00
Surcharge 10.00
.00
38.40
Sworn and Subscribed to before
me this 3D -~' day of
~-.~ ~L~ ! A.D.
Pr~tSonotary
So Answers:
R. Thomas Kline
08/24/2001
PURCELL KRUG & HALLER
Deputy Sheriff
TUCKER ARENSBERG & SWARTZ
l 11 NORTH FRONT STREET
P.O. BOX 889
HARRISBURG, PENNSYLVANIA 17108-0889
(717) 234-4121
BANI{ONE, NATIONAL
ASSOCIATION, TRUSTEE,
Plaintiff
V.
CBARLES J. SMEIGH,
Defendant
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
: NO. 01-4845
: CIVIL ACTION - LAW
: ACTION OF MORTGAGE FORECLOSURE
NOTICE TO PLEAD
TO:
BANKONE NATIONAL ASSOCIATION, TRUSTEE
c/o Leon P. Hailer, Esquire
Purcell, Krug & Hailer
1719 North Front Street
Harrisburg, PA 17102
YOU ARE HEREBY notified to file a written response to the enclosed Answer With New
Matter to Complaint In Mortgage Foreclosure within twenty (20) days from service hereof or a
judgment may be entered against you.
Respectfully submitted,
TUCKER ARENSBERG & SWARTZ
Dated:
43623.1
By:
Attorney I.D. #39182
111 North Front Street
P.O. Box 889
Harrisburg, PA 17108-0889
(717) 234-4121
Attorney for Defendant,
Charles J. Smeigh
BANKONE, NATIONAL
ASSOCIATION, TRUSTEE,
Plaintiff
CHARLES J. SMEIGI~,
Defendant
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
: NO. 01-4845
: CIVIL ACTION - LAW
: ACTION OF MORTGAGE FORECLOSURE
ANSWER WITH NEW MATTER
TO COMPLAINT IN MORTGAGE FORECLOSURE
1. Denied. After reasonable investigation, Defendant is without knowledge or
information sufficient to admit or deny the allegations set forth in Paragraph, and, as such, the
same are denied and strict proof demanded thereof.
2. Admitted.
3. Admitted.
4. Admitted.
5. Admitted.
6. Admitted.
7. Denied. It is specifically denied that said mortgage is in default, and particularly,
as itemized in Paragraph 7.
9.
10.
11.
Admitted.
Denied as a conclusion of law.
Admitted.
Denied as a conclusion of law.
NEW MATTER
12.
granted.
13.
14.
15.
16.
Plaintiff has failed to state a cause of action upon which requested relief can be
There is no privity of contract between the Plaintiff and the Defendant.
Plaintiff lacks standing to bring this action.
Plaintiffis not a real party in interest in this matter.
The attorneys' fees being charged are unreasonable and unwarranted in light of the
actual work performed.
WHEREFORE, Defendant respectfully requests this Honorable Court to dismiss
Plaintiffs Complaint.
Respectfully submitted,
TUCKER ARENSBERG & SWARTZ
Dated:
By:
Attorney I.D. #39182
111 North Front Street
P.O. Box 889
Harrisburg, PA 17108-0889
(717) 234-4121
Attorney for Defendant
43565.1
VERIFICATION
I, the undersigned, CIIARLES SMEIGIt, do hereby certify that the statements made in
the foregoing document are tree and correct to the best of my knowledge, information and belief.
I understand that any false statements made to this verification are subject to the penalties of 18
Pa. C.S.A. §4904, relating to unswom falsification to authorities.
DATE: ~//~&/~/
Charles Smeigh
CERTIFICATE OF SERVICE
AND NOW, this ~2~ day of /~~ , 2001, PAULA J. BEITER,
for the firm of TUCKER ARENSBERG & SWARTZ, attorneys for ,
hereby certify that I have this day served the within document by depositing a copy of the same
in the United States Mail, postage prepaid, at Harrisburg, Pennsylvania, addressed as follows:
Leon P. Hailer, Esquire
Purcell, Krug & Hailer
1719 North Front Street
Harrisburg, PA 17102
PAULA J. BEliER
BANKONE, NATIONAL ASSOCIATION, TRUSTEE,
PLaintiff
VS.
CHARLES J. SMEIGH,
Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND CO., PENNSYLVANIA
NO. 01-4845
CIVIL ACTION - LAW
IN MORTGAGE FORECLOSURE
PLAINTIFF'S MOTION TO FILE AN AMENDED COMPLAINT
AND NOW, comes the Plaintiff, BankOne, National Association, Trustee, through its Servicing
Agent, Homecomings Financial Network, Inc., and files this Motion to File an Amended Complaint and
avers as follows:
1. On August 16, 2001, the Plaintiff filed a Complaint in Mo~lgage Foreclosure.
2. On or about September 26, 2001, the Defendant filed an Answer with New Matter.
3. In the Plaintiff's Complaint, Paragraph 4 should have included language indicating that
the original Mortgage was subsequently assigned to the Plaintiff, BankOne, National Association,
Trustee.
4. The Plaintiff intends to file an Amended Complaint, including the aforementioned factual
averment.
5. Per a phone conversation between Plaintiff's counsel, Jill M. Wineka, Esquire and
Defendant's counsel, Dennis R. Sheaffer, Esquire, the Defendant consents to the filing of an Amended
Complaint.
WHEREFORE, the Plaintiff respectfully requests this Honorable Court to grant its Motion and to
permit the Plaintiff to file an Amended Complaint in Mortgage Foreclosure.
Dated:
Respectfully submitted,
Jil~. Wineka, Esquire
AttOrney ID # 58802
Leon P. Hailer, Esquire
Attorney ID # 15700
PURCELL, KRUG & HALLER
1719 North Front Street
Harrisburg, PA 17102
(717) 234-4178
Attorneys for PLaintiff
CERTIFICATE OF SERVICr:
I, Barbara A. Shadel, an employee of the law firm of Purcell, Krug & Hailer, do hereby certify that
served a true and correct copy of Plaintiff's Motion to File an Amended Complaint upon the following by
depositing same in the United States Mail, First Class Postage, Postage Prepaid, addressed as follows:
Dennis R. Sheaffer, Esquire
Tucker, Arensberg & Swartz
111 North Front Street
P. O. Box 889
Harrisburg, PA 17108-0889
Attorney for Defendant,
Charles J. Smeigh
Dated: /0//~/~)I
(fcl~homecomings~smeigh\Mot to File Amended Comp)
BANKONE, NATIONAL ASSOCIATION, TRUSTEE,
Plaintiff
VS.
CHARLES J. SMEIGH,
Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND CO., PENNSYLVANIA
NO. 01-4845
CIVILACTION-LAW
IN MORTGAGE FORECLOSURE
AND NOW, this 7"3'""day of ~~~--~-,' 2001, based upon review of the
Plaintiff's Motion to File an Amended Complaint and based upon the Defendant's consent to the Motion,
IT IS HEREBY ORDERED AND DIRECTED that Plaintiff is permitted to file an Amended Complaint in
Mortgage Foreclosure.
Distribution: ~'
Jill M. Wineka, Esq., 1719 North Front St., Harrisburg, PA 17102
Dennis R. Sheaffer, Esq., 111 North Front St., P. O. Box 889, Harrisburg, PA 17108-0889
BANKONE, NATIONAL ASSOCIATION, TRUSTEE
Plaintiff
VS.
CHARLES J. SMEIGH
Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
ACTION OF MORTGAGE FORECLOSURE
NO. 01-4845
THIS FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTINGTO COLLECT
A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU
WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT.
NOTICE
You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action
within t~venty (20) days a~er the Amended Complaint and notice are served, by entering a written appearance personally or by
attorney and filing in writing with the coart 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, claim in the Amended Complaint of 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
AVISO
LE HAN DEMANDADO A USTED EN LA CORTE. SI DESEA DEFENDERSE CONTRA LAS QUEJAS
PERESENTADAS, ES ABSOLUTAMENTE NECESSARIO QUE USTED RESPONDA DENTRO DE 20 DIAS DESPUES DE
SER SERVIDO CON ESTA DEMANDA Y AVISO. PARA DEFENDERSE ES NECESSARIO QUE USTED, O SU ABOGADO,
REGISTRE CON LA CORTE EN FORMA ESCRITA, EL PUNTO DE VISTA DE USTED Y CUALQUIER OBJECCION
CONTRA LAS QUEJAS EN ESTA DEMANDA.
RECUERDE: SI USTED NO REPONDE A ESTA DEMANDA, SE PUEDE PROSEGUIR CON EL PROCESO SIN SU
PARTICIPACION. ENTONCES, LA COUTE PI. JEDE, SIN NOTIFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y
REQUERIRA QUE USTED CUMPLA CON TODAS LAS PROVISIONES DE ESTA DEMANDA. POR RAZON DE ESA
DECISION, ES POSSIBLE QUE USTED PUEDA PERDER DINERO, PROPIEDAD U OTROS DERECHOS IMPORTANTES.
LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATEAMENTE.
SI NO CONOCE A UN ABOGADO, LLAME AL "LAWYER REFERENCE SERVICE" (SERVICIO DE REFERENCIA
DE ABOGADOS), (215) 238-6300.
CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE
CARLISLE, PA 17013
800-990-9108
BANKONE, NATIONAL ASSOCIATION,
TRUSTEE,
Plaintiff
VS.
CHARLES J. SMEIGH,
Defendant
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
ACTION OF MORTGAGE FORECLOSURE
NO. 01-4845
AMENDED COMPLAINT IN MORTGAGE FORECLOSURE
1. This Amended Complaint is being filed in compliance with the Court's Order dated October 22, 2001.
A true and correct copy of the Order is attached hereto and marked Exhibit "A'.
Plaintiff is BANKONE, NATIONAL AS SOCIATION, TRUSTEE, a national association, acting
through its servicing agent, Homecomings, Financial Network, Inc. whose address is 9275 SKY PARK
COURT, SUITE 300, SAN DIEGO, CA 92123.
3. Defendant, is CHARLES J. SMEIGH whose last known address is 268 CARLISLE AVENUE, ENOLA,
PA 17025.
On or about, August 9, 2000, the said Defendant executed and delivered a Mortgage Note in the sum of
$38,950.00 payable to AMERIQUEST MORTGAGE COMPANY, which Note is attached hereto and
marked Exhibit "B".
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 was recorded in the Recorder of Deeds Office of the within County and
Commonwealth on August 10, 2000 in Mortgage Book 1631, Page 813 conveying to original Mortgagee
the subject premises. The Mortgage was subsequently assigned to BankOne, National Association,
Trustee and will be sent for recording. A true and correct copy of the Mortgage is attached hereto and
marked Exhibit "C".
11. Defendant is not a member of the Armed Forces of the United States of America, nor engaged in any
way which would bring him within the Soldiers and Sailors Relief Act of 1940, as amended.
12. The Defendant has either failed to meet the time limitations as set forth under the Combined Act 6/91
Notice or has been determined by the Pennsylvania Housing Finance Agency not to qualify for
Mortgage Assistance.
WHEREFORE, Plaintiff demands judgment in mortgage foreclosure "IN REM" for the aforementioned
total amount due together with interest at the rate of 14.5250% ($15.70 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.
Dated:
//~URCELL, K~UG & HALLER
v Jill M. Wineka, Esquire
I.D. # 58802
Leon P. Hailer, Esquire
Attorney for Plaintiff
I.D. # 15700
1719 N. Front Street
Harrisburg, PA 17102
(717-234-4178)
OCT
BANKONE, NATIONAL ASSOCIATION, TRUSTEE,
Plaintiff
VS.
CHARLES J. SMEIGH,
Defendant
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND CO., PENNSYLVANIA
: NO. 01-4845
: ClVILACTION - LAW
: IN MORTGAGE FORECLOSURE
ORDER
AND NOW, this ~2g ~-- day of (~)e~.~,~_~ , 2001, based upon review of the
Plaintiff's Motion to File an Amended Complaint and based upon the Defendant's consent to the Motion,
IT IS HEREBY ORDERED AND DIRECTED that Plaintiff is permitted to file an Amended Complaint in
Mortgage Foreclosure.
BY THE COURT:
Distribution:
Jill M Wineka, Esq., 1719 North Front St., Harrisburg, PA 17102
Dennis R. Sheaffer, Esq., 111 Nodh Front St., P. O. Box 889, Harrisburg, PA 17108-0889
EX~IU~IT ~
ADJUSTABLE RATE NOTE
(LIBOR Index - Rate Caps)
THiS .NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES ~N MY iNTEREST RATE AND MY MONTHLY
PAYMENT, THIS NOTE LIMITS THE AMOUNT MY INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE
MAXIMUM RATE.I MUST PAY,
July 26, 20~0 ORANGE CA
~0~, PA 17~
1. BORROWER'S PROMISE TO PAY
ThO Incbx
(D) No Wnlver by Note Hold~
(~J Payment M N~t~ H~dm~ C4~t~ md Ex~)elUlel
Loan No. 17118076-~69'7
W;TNESS THE HAND(S) AND SEAL[S) OF THE UNDERSIGNED.
(se~l) (Seal)
.Bon~wer
ltlJlJlllliillJlJlliJllil
~. HF HOTE ~
3of3
'g&en recorded, mail to:
AMERIQUEST MORTGAGE COMPANY
P,O. BOX llS07
SANTA ANA, CA 92711 MORTGAGE
Loan No. 17118076-5697 .,~..-~.~.~
THIS MORTGAGE ("Security Instrument ) is given on
Mor~gagor is
CHARLES 1 SMEIGH
~OBERT F. ZIEOLER
.~,-~,,,RD':, 6F DEEDS
CU!,I ~ERL!,!ID 80U/IT"f- PA
~6-, 2000 , The
("Borrower"). This Security Instrument is given to
AMERIQUEST MORTGAGE COMPANY
which is organized and existingunder the laws of the State of Delaware, and whose address is
1100 TOWN & COUNTRY RD., STE. 200 ORANGE, CA 92868 ("Lender").
Borrower owe~ Lender the principal sum of Thirty Eight Thousand Nine Hundred Fifty and no/100 .........
..................... Dollars (U.S. $ 38,950.00 ). This debt is evidenced by Borrower's
promissovj note dated the same date as this Security Instrument ("Note"), which provides for monthly payments,
with the full debt, if not p~kt earlier, due and payable on August I , 2030 . This
Security Ins~umant secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all
renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced
under paragraph 7 hereunder to protect the security of this Security InsU'umant; and (c) the performance of
Borrower's anvanants and agreements under this Security Instrument and the Note. For this propose, Borrower
does hereby mortgage, warrant, grant and convey to Lender, the following described property located in
CUMBERLAND
County, Pennsylvania:
LEGAL DESCRIPTION AT'FACHED HERETO AND MADE A PART HEREOF
Which has an address of 268 CARLISLE AVE
("Prol~rty Address")
Page I of 7
ENOLA
PA 17025
TOGETHER WITH all the improvements now and hereafter erected on the property, and all easements,
appurtenances, and fixtures now or hereafter a pert of the property, All replacements and additions shall also be
covered by this Security Instrument. All of the forego ngs referred to n his Securi Instrument as the
"Property". ty
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the
right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances
ofrecurd. Borrower warrants and will defend generally the title to the Property against nil claims and demands,
subject to any encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for nationnl use and non-uniform
covenants with limited variations by jurisdiction to constitute a uniform security instmmcut covering real
property.
UNIFORM COVENANTS. Borrower and Lender covenant and agree ns follows=
1. Payment of Prlncipel, Intere~tl Prepayment and Late Charges. Borrower shall promptly pay,
when duc, the principal and interest on the debt evidenced by the Note and any prepayment and late charges due
under the Note.
:~. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender,
Borrower shall pay to Lender on the day monthly psyments are due under the Note, until the Note is paid in full, a
m ( Funds ) for:. (a) yearly taxes and assessments whtch may attain pr or~ty over this Security Instrument as a
lien on the Property; (b) ycary eesehold payments or ground rents on the Property, if any; (c) yearly hazard or
property insurance premiums (d) yearly flood nsurance prem urns, if any; (e) yearly mortgage inserance
premiums, if nny~ and (0 any ~rns payable by Borrower to Lender, n accordance with th,~ provisions o,,f
Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a
federally relaled mortgage loan may require for Borrower's escrow account under the federal Real Estate
uSe.ttlcment.Pro?,eth~.res Act..of 1974 as amended from time to time, 12 U.S.C. Section 2601 er ,~e~/("RESPA"),
mess anotuer ~aw mat applies to the Funds sets a esscr amount. Ifso, Lender may, at any time, collect and hold
Funds n an amount not to exceed the lesser amount, Lender may estimate the amount of Funds due on the basis
of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with
applicable law.
The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality,
or entity (including Lender, if Lender is such an institution) or in any Federal Home l~an Bank. Lender shall
apply the Funds to pay the Escrow Items. Lender may no charge Borrower for holding and applying the Funds,
annually analyzing thc escrow account, or verifying the Escrow ]~cms, unless Lender pays Borrower interest on
the Funds and applicable law permits Lender to make such a charge. However, Lender may require Borrower to
pay a one-time charge for an independent real estate tax reporting service used by Lender in connection with this
loan, unless epplicable law provides otherwise. Un ess an agreement is made or aoplicable law requires interest to
be paid, Lender shall not be required to pay Borrower nny interest or earnings on the Funds. Borrower and Lender
may agree in writing, however, that interest shall be paid on he Funds. Lender shall give to Borrower, without
charge, an cununl accounting of thc Funds, showing credits and debits to the Funds and the purpose for which
each debit to the Funds was made, The Funds are pledged as additional security for all sums secured by this
Security Instn~ment.
If the Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall
ncccunt to Borrower for the excess Funds in accordance with the requirements of applicable law. If the amount of
the Funds held by Lender at any time is not suffic eat o pay the Escrow Items when due Lender may so notify
Borrower in writing, and, in such case Borrower shall pay to Lender tte amount necessary to make up the
deficiency. Borrower shall make up the deficiency in no more than twelve monthly payments, at Lender's sole
discretion.
Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to
Borrower any Funds held by Lender. If, under Paragraph 21, Lender sba acquire or sell the Property, Lender,
prior tu the acquisition or sele of the Property, aha apply any Funds held by Lender at the time of acquisitlon or
sale as a credit against the sums secured by this Security Instrument.
3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender
under paragraphs I and 2 shall be applied: first, to nny prepayment charges due under the Note; s~cond, to amount
payable under paragraph 2; third, to interest due; fourth, to principal due; and last, to any late charges due and/or any
other charges authorized under the Note or the Security Instrument.
~o-2~.^ (r~. ~ Page 2 o~'7 Lonn No. 17118076-5697
4. Lfens. shall all taxes assessments charges, fines and impositions
attributable to ' over th s Secur ty Instrument, and leasehold
a cat.
furnish to ~orrowcr makes these payments
directly, Borrower shall
Borrower
Security Inslmment unless
thc lien in a manner acceptable to
Lender , good the lice in, legal proceedings
! Lender s oploinn operate to prevent t] secures from thc holder of tile
lien an agreement satisl'actesy to Lender subordinating the lice to this ! If Lander detcrmthes
that any part of the Property is subject to a en which may arta n pr o r fl s Security Instrument, Lender
may give Borrower a notice identifying the lien. Borrower she sa sly t or take one or more of the actions
set forth above within 10 days of the gsving ofnotlce.
5. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter
erected on thc P~ope .1~/insured against loss by fire, hazards included w hie the term "extended coverage" and any
other hazards, Including floods or flood nR for wh ch Lender requires nsurance This insurance shall be
maintained in the amounts and for the period~ that Lender requires. The insurance carrier providing the insurance
sh.a. ll be chi}sen by Borrower subject to Lender's approve which she, Il not ha unreasonably withbe d If Borrower
finis tq maintain coverage described above, Lender may, at Lender s option obtain coverage to protect Lander's
rights in the Property in accordance with paragraph 7. - '
All insurance polic es and renews s shall be acceptable to Lender and shall include a standard mortgage
clause. Lender shall have the right to ho d the po c es and renews s. If Lender requ res, Borrower shall
promptly give to Lender all receipts of paid premiums and renews not ces In the event of loss, Borrower shall
~ioV~eoPrwoc~pt notice to die insurance carrier and Lender. Lender may make proof ofloss ifnot made promptly by
Unless Lender and Borrower o herw sc agree n wr t ag, insurance proceeds shall be applied !o
restoration or repair of thc Property damaged, f the res orat on or repair is economically feasible and Lender s
security ia no~ lessened. If the rcs erst on or. repair is not economically feasible or Lender's security would be
It?sensed, thc...msurance pr.~ee.d.s sh~all be apphed to the sums secured by this Security Instrument, whither or not
nell oue wire any excess p~la to t~orrower If BmTowcr abandons the Property, or does not answer within 30
days a notice from Lender that he nsurance carrier has offered to settle a claim, then Lender may collect the
insurance proceeds. Lender may use thaproceeds to repair or restore the Property or to pay sums secured by this
Security Instrument, whether or not then due. The 30-day period will begin when the not cc s given.
Unless Lender and Borrower otherwise agree in wr lng, any application ofproceeds to principal shall not
extend or post, one the due date of the monthly payments referred to in paragraphs ] an,d 2 or change the amount
of the payments. If under paragraph 21 he Prdperty is acquired by Lender, Borrower s fight to any insurance
policies and proceeds resulting *from damage to thc Property pr or to the acquisition shall pass to Lender to the
extent of the sums secured by this Security Instrument immediately prior to the acquisition.
6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrow, er's Loan
Appliceflon} Leaseholds. Borrower shall occupy es ab sh and use the Property as Borrower s pr nc pa
residence within sixty days after the execution of tlais Security Instalment and s a continue to occupy the
Properly as Borrower's principal rcsidunce for at cast one year after thc date of occupancy, unless L~ndcr
o~hcrw,se agrees in writing, which consan she not bc unreasonably withheld, or unless extenuating
circumstances exist which are bcyand Borrower*s control. Borrower shallnot destroy, damage or impair thc
Pro!acrty allow the PropeW] to dctcrinrate or commit waste on the Property Borr_o, wcr shall be in default if any
forfeiture action or proceeding, wbethcr civ I or criminal, is begun that in Lender s good faith judgment could
result in forfeiture or the Property or otherwise materially impair the lien created b this Securi festa:mcat or
Lander, s security interest. Borrower may cure such default and reinstate, as provide{~ in paragrar~t~ 18, by causing
~%_a.~lon or.proc_ceding t,o. b.e dismi.ssed, with a ruling that, in Le~}der.'s go. od faith determination, precludes
~un~m. o:. mc uorro.wer-.s ~,n?rcst m !Ilo Property or other material unpatrment of die lien created by this
a curlq~ msu~ment or t.enoer s security ntcrest. Borrower shall also be in default if Borrower, during the loan
applicatin~i process, gav. e n~aterialiy, fais.e or inaccurate infonnat on or statements to Lender (or failed to provide
.L. an. der with uny mater a information) in connection with the dan evidenced by the No e, ncinding, but not
limited to, representations concerning Borrower's occupancy of the Property as a principal residence. If the
Security Instrument is on a leasehold, Borrower sba comply with all thc provisions of the lease. If Borrower
acquires fee title to the Property, he leasehold and the fee title shall not merge unless Lender agrees to die merger
in writing.
Loan No, 17118076-5697
7. Proteetinn of Lender's Rights In the Property. If Borrower fails to perform the covenants and
agreements contained in this Security Instsument' or there is a legal proccedln, g that may significantly affect
Lender's rights in the Property (such as e proceeding in bankruptcy probate for condemnation or forfeiture or to
enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the
Property and Lender's fights in the Property, Lender's actions may include paying any sums senare~ by a lien
which has priority over this Security Instrument, appearing in court, paying reasonable attorneys fees and
entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does
not have to do so.
Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower
secured by this security Insh. ument. Unless Borrower and Lender agree to other terms of payment, tbesc amounts
shall bear interest from the date of disbarsement at the Note rate and shall be payable, with interest, upon notice
from Lender to Borrower requesting payment.
8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan
secured by this ~ecutity Instrument, Borrower shall pay thc premiums requ red to ma nra n the mortgage
insurance in effect. If, for any reason the mortgage insurance coverage requ red by Lender ]apses or ceases to be
in effect, Borrower shaHpay thc premiums required to obtain coverage subs an a y equ valent to the mortgage
insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance
previously in effect, from an alternate mortgage insurer approved by Lender. If subs antis y equ va eat mortgage
insurance covcral~e is not available, Borrower shaU pay to Lender each month a sum equalto one-twelfth of the
yearly mortgage insurance premium being paid by Borrower when thc insurance coveragu lapsed or ceased to be
in effect. Lender will accept, use end retain these payments as a loss reserve in lieu of mortgage insurance. Loss
reserve payments may no longer be required, at the option of Lender, if mortgage insurance covemgu (in the
amount and for the period that Lender requires) provided by an insurer approved by Lender again becomes
available and is obtained. Bonower shall pay the premiums required to maintain the mortgage nsurance n effec,
or to provide a loss reserve, until the requirement for mortgage insurance ends in acenr~nce with any written
agreement between Borrower and Lender or applicable law.
9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property,
Lender shall give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the
inspection.
10. Condemnation. The proceeds of any award Or claim for damages, direct or consequential, in
connection with any condemnation or other taking of any part of the Property, or for conveyance in lieu of
condemnation, are hereby assigned and shall be paid to Lender.
In the event of a total taking of the Property, the proceeds shall be applied to the sums secured by this
Security Instrument' whether or not then due with any excess paid to Borrower. In the event of a part a ak ng of
the Property n which the fair market value of the Property immediately before the taking is equal to or greater
than the amount of the sum~ secured by this Security Instrument immediately before the taking, unless Borrower
and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by he
amount of ibc proceeds multiplied by the following fraction: fa) the total amount of ibc sums secured mined ate y
before the taking, divided by (b) the fair market value of the Property tamed ate y before the taking. Any balance
shall be paid to the Borrower. In the event of a partial taking of the Prope~y n wh ch the fair market value of the
Property immediately before the taking is less than the amount oftbe sums secured immediately before the tek ne,
unless the Borrower and Lender otherwise agree in writing or unless app icable law o herwise pray des, tile
proceeds she ba applied to the sums secured by th s Security Instrument whether or not the sums are then due.
If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the condemoor
offers to make an award or settle a claim for damages, Borrower fails to respond to Lender within 30 days after
the date the notice is given, Lender is authorized to collect and apply the proceeds, at its option, either to
restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due.
Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not
extend or postpone the due date of the monthly payments referred to in paragraphs I and 2 or change the amount
of such payments.
Il. Borrower Not Re]eased; Forbaarnnce by Lender Not n Waiver. Extension of the time for
payment or modification of amortizatinn of the sums secured by this Security Instrument granted by Lender to any
successor in interest of Borrower shall not operate to release the I/ability of the original Borrower or Borrower's
successors in interest. Lender shall not be required to commence proceedings against any successors in interest or
refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security
Instrument by reason of any demand made by the original Boo'ewer or Borrower's successors in interest. Any
forbearance by Lender in exemising any tight or remedy shall not be a waiver of or preclude the exemise of any
right or remedy.
Initials:
~e-~p* ~,. a.~ Lenn No. !7118076-5697
Page 4 o1'7
BOOK 1631 PAGE.
12. Successors and Assigns Bound; Joint and Several Liability; Co-signers. Thc covenants and
agreements of this Security Instrument shall bind and henefit the successors and assigns of Lender and Borrower,
subject to the provisions ofparagrsph 17, Borrower's covenants nnd agreements shall be joint and several Any
Borrower who co-signs this Security Agreement but does not execute the Note: la) is co-signing this Security
Instrument only to mortgage, grant and convey that Borrower's interest in the Property under the tcnns of this
Security Instrument lb) is not personslly obligated to pay thc sums secured by this Security Instrument; and lc)
agrees that Lender and any other Borrower may agree to extend, mod fy, forbear or make any accommodations
with regard to the terms of this Security Instrument or the Note without that Borrower's consent.
13. Loan Charges. If the loan secured by this Security Insttumcnt is subject to a law which sets
maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to
be collected in connection with the loan exceed the permitted limits, then: la) any such loan charge shall be
reduced by the amount necessary lo reduce the charge to the permiUed limit; and lb) any SUnL~ alrcady collected
from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this
refund by reducing thc principal owed under the Note or by making a direct payment to Borrower. If a refund
reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge under the
Note.
14. Notices. Any notice to Borrower provided for in this Security Instrument shall he given by
delivering it or mailing it by first class mail unless applinabtc law requires usc of another method. The notice shall
be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to
Lender shell be given by first class mail to Lender's address stated herein or any other address Lender designates
by notice to Borrower. Any notice provided for in this Security Instrnment shall he decreed to have been given to
Borrower or Lender when give, n ns provided in this paragraph.
15. Governing Law Severnblfity. This Security Instrument shall be goveured by federal law and the
law of the jurisdictioo in which the Property is located, In the event that any provision or cinnse of this Secur ty
Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security
Instrument or the Note which cnn be given effect without the conflicting provision. To this end the provisions of
this Security lnstn~mcut ahd the Note ere declared to he severable.
16. Borrower's Copy. Borrower sbsll he given one conformed copy of the Note and of this Security
Instalment.
17. Transfer of the Property or n Beneficial Interest In Borrower. If nil or any pert of thc Property or
any interest in it is sold or transferred (or ifa beneficial interest in Borrower is sold or transferred and Borrower is
not a naturnl person) without Lender's prior written consent, Lender may, at its option, require immediste
payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised hy
Lender if exercise is prohibited by federal law es of the date of this Security Instrument.
if Lender exercises this option, Lender shall give Borrower notice of accelemtinn. The notice shall
provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower
must pay att 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 lnstturaent without further notice or
demand on Borrower.
18, Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shell have the right
to have enforcement of this Security Instrument discontinued at nny time prior to the earlier of: la) 5 days (or such
other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of
sale contained in this Security Instrument or lb) entry of a judgment enforcing this Security Inst~ment. Those
conditions are that Borrower: {a) pays Lender all sums which then woud be due under this Secur ty instrument
and the Note as if no acceleration had occurred; lb) cures any default of any other covenants or agreements;
pays all expenses iocurred in enforcing this Security Agreement, including, but not limited to, reasonable
attorneys' fees; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security
Instrument, Lender's rights in the Proper~ and Borrower's obligation to pay the sums secured by this Security
Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the
obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to
reinstate shall not apply in the case of acceleration under paragraph 1 ?.
Loan No. 17118076-5697
19. Sale of Note; Chance of Loan Servicer. The Note or a partial interest in the Note (together with
this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a
change in the entity (known as the "Loan S~vieer") that collects monthly payments duc under the Note and this
Security Instrum~nL There also may be one or more changes of the Loan Servicer unrelated to a sale of the Note.
If there is a change of the Loan Servicer, Borrower will bc given written notice of the chsogc in accordance wtih
paragraph 14 above sad applicable law. The notice will state thc name and address of the new Loan Servicer and
the address to which payments should be made. The notice will also contain any other information required by
applicable law.
20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or
release of any Hazardous Substances on or in the Property, Borrower shall not do, nor allow anyone else to do,
anything affecting the Propet~' that is in violation of any Environmental Law. Thc preceding two sentences shall
not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are
generally recognized to be appropriate to normal residential uses and to maintensoce of the Property.
Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit or other
action by any governmental or reguiztory agency or private party involving the Pmper~ and any Hazardous
Substance or Envimnmentsl Law of which Borrower has actual knowledge. If Borrower learns, or is notified by
any governmental or regulatory authority, that any removal or other remethation of any Hazardous Substance
affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance
with Environmental Law.
As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous
substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic
petroleum products, toxic pesticides and herbicides, volatile solvents, material containing asbestos or
formaldehyde, and radioactive materials. As used in this paragraph 20, "Environmental Law" means federal Iaws
and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection.
NON=UNIFORM COVENANTS. Borrower and Lander fudher covenant and agree as follows:
21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following
Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration
under paragraph 17 unless applicable law provides otherwise). Lender shall notify Borrower of, among
other things: (a) the default; (b) the action required to cure the default; (c) when the default must be cured;
and (d) that failure to cure the default as specified may result in acceleration of th~ sums secured by this
Security Instrument, foreclosure by judicial proceeding and sale of the Propert~ Lender shaft further
inform Borrower of the right to reinstate after acceleration and the right to auert in the foreclosure
proceeding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure.
If the default is not cured .as specified, Lender, at its option, may require immediate payment in full of all
slims secured by this Security Instrument without further demand and may foreclose this Security
Instrument by Judicial proceeding. Lender shall be entitled to collect all expenses incurred In pu~'suing the
remedies provided in this paragraph 21, Including, but not limited to, attorneys' fees and costs of title
evidence to the extent permitted by applicable law.
22. Release. Upon payment of all sums secured by this Security Instrument, this Security Instrument and
the estate conveyed shall terminnte and become void. After such occurrence, Lender shall dlschargu and satisfy
this Security Instrument to Borrower. Borrower shall pay any recordation costs. Lender may charge Borrower a
fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the
charging of the fee is permitted under applicable law.
23. Waivers. Borrower. to the extent permitted by applicuble law, waives and releases any error or
defects in proceedings to enforce this Security Instrument. nnd hereby waivers the benefit of any present or future
laws providing for stay of execution, extension of time, exemption from attachment, levy and sale, and homestead
exemption.
24. Reinstatement Period. Borrower's time to reinstate provided in paragraph 18 shall extend to one
I~our prior to the corm'nencement of bidding at a sherift's sale or other sale pursuant to this Security Instrument.
25. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is lent to
Borrower to acquire title to the Property, this Security Inst~mcnt shall be n purchase money mortgngu.
26. Interest Rate After Judgement. Borrower agrees that thc interest rate payable after a judgument is
entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the
Note.
Loan No. 17118076-5697
27. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded
together with this Security Instrument, the covenants and agreements of each such rider shall be inco~oreted intn
and shall amend end supplement the covenants and agreements of this Security Instrument ns if the rider(s) were a
part of this Security Instrument.
[Check applicable box(es)]
[] Adjustable P. nte Rider [] Condominium Rider [] 1-4 Family Rider
[] GraduntedPaymentRider [] Plnnncd Unit Development Rider [] Biweekly Pnyment Rider
[] Balloon Rider [] Rate Improvement Rider [] Second Home Rider
[] VA Rider [] Other(s) [specify)
BY SIGNING BELOW, Borrower accepts and agrees to thc terms and covenants contained in Otis
Security Instrument and in any rider(s) executed by Borrower and recorded with it.
Witness Signature CI~ARLES J SMEIi0H k.J -Borrower
Witness Sign?lure .(Seal)
=Borrower
(Seal)
.Borrower
(Seal)
-Borrower
Car tiflcate o f Residence .,-,.t ,
I,'~ ~. ffff( ~.~, ¢ff~do hereby certify that the correct address of the within-named
Mortgagee is 1100 TOWN & CO~JNTRY RD,, STE. 200
ORAN~E,,~A92868 ~ ~ dayof ~-~8~-, ~ .
COMMONWEAL _'~l~ pENNSYLVA~I~, CUMBERLAND Coun~
o~cer, personally appea~d ~. ,
~ ...... ",,,,~ known to me (or satisfncto~ly proven) to be thc
.,.~ a~ /~ subscribed to ~e wi~in ins~ment and ac~owlcdgc that ~ executed thc
~ ..~ ~s heroin contained.
c- ~~ ~S ~E~OF, I hereunto set my hand ~d o~cial seal.
'" ~ , pn~7 of ~ ~an No. 17118076-5697
TAX PARCEL NO. 09-13-1002-224
ALL THAT CEHTAIN lot, parcel, piece of ground situate in East Pennshoro Township,
Cumberland County, Pennsylvania, bounded and described as follows, to wit=
BEGINNING at a point on the eastern line of Carllsle Avenue, said point being One
Hundred Fifty-four (154} feet, more or less, South of the southeast corner of the
intersection of said Carlisle Avenue and Church Street, said Church Street now
being known as Shady Lane; thence in an easterly direction along the southern
line of Lot No. 14, a distance of One Hundred Fifty (150) feet, more or less, to
a point on the western line of a public alley; thence in a southerly direction
along the western line of said public alley, a distance of One Hundred (100)
feet, more or less, to a point on the northern line of Lot No. 17; thence
westerly along the northern line of said Lot No. 17, a distance of One Hundred
Fifty (150) feet, more or less, to a point on the eastern line of aforementioned
Carlisle Avenue; thence ina northerly direction along the eastern line of said
Carlisle Avenue, a distance of One Hundred (100) feet, more or less, to a point,
THE PLACE OF BEGINNING.
BEING all of LOt Nos. 16 and 16 Block B on the Plan of Lots of Bnola Terrace,
said Plan being recorded in Plan Book i page 3.
HAVING THEREON ERECTED a ranch type residence known as 268 Carlisle Avenue,
Enola, PA.
BEING the same premises which R. Thomas Kllne, Sheriff of Cumberland County by
deed dated September 20, 1999 and recorded Spetember 21, 1999 ~ the office of
the Recorder of Deeds for Cumberland County in Deed Book 208 page 55, granted and
conveyed to ContiMortgage Corporation
,ood631 ,s£ 820
ADJUSTABLE RATE R/DER
(LIBOR Xnd~ - l~te Cnt~)
THIS ADIUSTABLE RATE RIDER is made ~is 26th day of July
2000 , and is incorlmtat~ into and shall be deemed to amead and supple~t the Moingn~e, D~d of
Trust, or.~'utity Deed (~e 'Security Insmmm~t") of the san~ date given by the uad~sign~d (the 'Bonower') to
secur~ Bonuwer's AdjusmMe Rate No~e (the "Note') to AM~R~Q~.ST MORTGAGE COMPANY
(the "Lender") of the satn~ date ami ~vering the prope~y desc~bed in the Sec~ity In~,,.~,~ nad located at:
7.68 CARLISL~ AVE
ENOLA, PA 1702~
THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN ~,u~,
INTEI~.ST RATE AND TKE MObT~J,¥ pAYMENT. THE .NOTE LIMITS
AMOUI~I~ TH~ BORROWER'8 INTEREST RATE CAN CHANGE AT ANY ONE
TIME A2~D ~ MA,~WIUM RATE -~-~ BORROWER MUST PAY*.
ADDITIONAL COVENAJ~T$. In addition to ~c covenams ~mi agrecm~s mm/e in* the Security .
A, INTEREST RAT~ AI~) MO~'~u, ¥ PAYME]~ C~'~GES
The No~g pmvith~.for en ~ int~st rate of 14~2S ~, The N~e pro~id~ for c~angcs in
4. INTEREST RATE APeD MONTHLY PAYMF.,I~ C~ANGF. S
(A) C~nge Datm
· The b~ler~t me [ WIU p~' m~ ch~Sc on the ~L~t day of Aupst , 2002 , end on tbet
~.,~,~ with the ~s~ Omn~ D~te, my inu=est rrna will be b~ad on an Index. 'l'ne 'ln~ex' t~
of ~nterbank offend tares ~t ,~x-month U.S. dollar-denominated deposi~ in the Londmt market ('LIBOR'), ~s
published In ~7~ W~ ~/e~n~. The m~st tec~t Index flgu~ svaUable as of d~ date 45 d~ys before each
If the Index is no Imlar available, lh~ Nme Holder will daoose a new index that is based upon camparable
informa~n. The No~ NoM~ will ~.ve me nmi~ o! this c,~ul~e.
(C} Caleulat~n ~ Oton~s
Before each ~n~e Ds~, tbe Note Holdn' will celculatc my n~v in~-~st t~c t~ ad~n~ ~evm and One
parcentas~ pulnts(s) ( 7.17.s
tbe Cunu~t Index. The No~a Ho]de~ will then round the result of this addttioS m the hearst one-eighth of one
percentage point (0.12~%). $u~ect to tb~ lin~ r,~ted in Section 4(D) be~. this ~ ~unotmt will be my
the unpaid principal th~ I m mcll~,,ed to owe a th~ O~a~e Date in full oa ~e Ma~ufl~ Da~e at m~ na~v tto~'~
rate ia ~,aatinlly ~qual payment. The result of this calcuMlon will be the new anmu~t of my n~mtbly
e00d 31n
Loan No. 171180'/6-5697
(D) Llmis~ on Intorest Pate Chang~
The in~emat rate I am rcqbired ~o pay at the £~ Change Date will not be greater than 16..~2~ .
or less th~n 14.52~ '~. Thacafter, my lnte~cst rat= will t~evcr be increased or dec~-~.d on
any single C~e Dato by ~ than One pe~-'en~qge point(s)
1.~00 ~) from the rate of int~reat I have been paying for the p~'ct~ng six months. My
infarct rate will nevc~ be ~,eator ~an 2.0..q2~ '~ or less th~n 14..q2~
(E) ~feetfve Date of Chants
My new in.cst rate ~ become ctYecUve on es~lt Change Date. I wtil pay the arnmmt of n~ new monthly
payment changes a~ln. '
{M Norice of Cherubs
monthly paym~t before the ~f~tivc d~te of any th~ngc. The notice will include tnform~ion r~luircd by inw to
regarding ~e notice.
Il. TRAN~ OF l'~ PROPERTY OR A IBENEPICL4,L INTERE.~f I~ BORROWER
Uniform Cove~t 17 of the Seco~ity Instrument is amended to ~ as follows:
Trnnsfer of the Prnparty ar · Iieneflcin~ Interest In Be~ower. 'If ell or any pan of the Pmpe~y or any
interest in il is sold or tra~s f~-ed (or if a bc.~eflc~t intor~t in Borrower is sold or tr~femed and Bon-ower is not
a naturni pe~an~) with~t Lc~d~'s prior wr~en consent, Lender may, at ils option, require immediate ps~nmt in
full of nil sums secure~ by this Secmlty [nstl-mn~nt. However, this option thnil not be exer~sed by Lender if
exercise Is prohibited by red. rid inw u of the date of ~bis St~cut~ty Ins~t~nent. l.~n~er alse s~l! not axe.isa
~ption fl: (t) Iio~owe~ enuse~ to be submitted to Lcoder informntioa mqni~d by Lcndel' to eva~uatc the intended
transferee as if a new loan we~ b~ng made to the tr'~sfe~ee~ and {b) t4mder reasonably detem, i~ that l.ende~'s
security will not be Impaired by th~ Ionn assumption and that ~e risk of a brc~l of nay covee~nnt or n~t~mnt in
To the e~'innd permitt~ by applicable lltw, ~ may cha~ge n ~".asonable fee ~ a co.dillon to Lender's
consm! to the loan ass'~mptio~. I.,ender may also require the transferee to sign an assumption ~re,~,..~
na:optable to Lmder and that obli~tee the U'ansfe~re to ke~-p nil the promi~s t,~d ~gnecmeres made in the Noin
and in this Secuztty ll~stnunent. Borrower will continue to be obligated unde~ th~ Note and this Security
If t ~..d~- eanrcines the op~inn to ~luire tmmedlat~ payment in fidl, ~ ~1 give Bon'ov~r notice of
nceelem~. The notice ~ p~ovlde a p~-ind of no~ leu t~n 30 days from ~e dale t~e notl~ ts ~ivemd or
mnl~cl within whlc~ Borrower mu~t p~y nil sums ~ by this Security Instanter. If Bommver fails to pay
thee sums prior to the expl~inn of this pe~d, Lend= may Woke any rcmcdics pcnniueti by this Security
BY SIGNING BELOW, Bon~wer accepts and ~rees to the terms a~d cove~ns contnin~s in ~ Adjuatablc
TAX PARCEL NO. 09-13-1002~224
ALL THAT CERTAIN lot, parcel, piece of ground situate in East Pennsboro Township,
Cumberland County, Pennsylvania, bounded and described ae follows, to wit=
BEGINNING at a point on the eastern line of Carlisle Avenue, said point being One
Hundred Fifty-four (154) feet, more or less, South of the southeast corner of the
intersection of said Carlisle Avenue and Church Street, said Church Street now
being known as' Shady Lane~ thence' in an easterly direction along the southern
line of Lot No. 14, a distance of One Hundred Fifty (150) feet, more or less, to
a point on the western line of a public alley; thence in a southerly direction
along the western llne of said public alley, a distance of One Hundred (100)
feet, more or less, to:a point on the northern line of Lot NO. 17~ thence
westerly along the northern line of s~id Lot No. 17, a distance of One Hundred
Fifty (150) feet, more or less, to a point on the eastern line of aforementioned
Carlisle Avenue; thence ina northerly direction along the eastern line of said
Carlisle Aven~e, a distance of One Hundred (100) feet, more or less, to a point,
THE PLACE OF BRGINNING.
BEING all of Lot Nos. 16 and 16 Block H on the Plan of Lots of Enola Terrace,
said Plan being recorded in Plan Book i page 3.
~AVING THEREON ERBCTBD a ranch ty~e residence known as 268 Carlisle Avenue,
Enola, PA.
BEING the same premises which R. Thomas Kline, Sheriff of Cumberland County by
deed dated September 20, 1999 and recorded Spetember 21,' 1999 in the office of
the Recorder of Deeds for Cumberland County in Deed Book 208 p~ge 55, ~ranted and
· conveyed to Cont~Mortgage Corporation
820
Ap~lP, 2001
0432644185
Charles J Smei~
268 Carlisle Ave
Enola, PA 17025
Certifie/Mail, Relum Receipt Requested
Re: Proper0r Address:
268 Carlisle Ave
Enola, PA 17025
Loan Numb~ 0432644185
A flefault ~ u:ut= the above referenced Mortgage/Deed of Trust loan agremamt. The action requi~ to
cure the default ts the paymmt ofa~l sums due under the Mortgage/Deed of Trust loan agreement. As of the
date of this letter ~he total amount due is $ 1,271.22. That sum includes the followin~
2 pa~nmts totaling: $ 1,213.90
Late charges: $ 57.32
Other fees and/or costs N/A
Unappliefl Funds: N/A
Thc total amoum due shown above is subject to furLh= increaze~ for additional money pa~, hte
c~ges, ~ ~es, ~or o~ fees ~d co~ w~ch ~ b~ome du~ a~ ~e ~te of ~ 1~=. To
ob~ ~ ~ of~c ~ ~o~ due ~ c~e ~ de~t, co.ct us at 1.S00.~fi.2901.
TO CURE THIS DEFAULT, SEi',~ YOUR CASHIER'S CHECK, MONEY ORDER, OR CT. RTIFIED CHECK
IN THE AMOUNT OF $ 1,271.22 BY May 19, 2001 TO THE FOLLOWING ADDRESS: Homecomin~
Financisl, P.O. Box 7~2fi Phoenix, AZ 850§1-S42§ OR OV]~NIGHT TO: 1445 W. Dun~p A~nu~,
Suite 10O Pbaemix, AZ $5021-2S03.
If the defau~ is ~ot cured within thirty (30) days of the me.ag of this l~t=, ~ae linde, without/hAh= notice
or demand, will accela'ate the maturity date of the Note and declare all sums secured by the Mortgage/Deed
of Trust to be/mmediately duc and parable. The finder then intends to have the propc'o' sold at a public
foreclosure sale. After accele~/on, a cUnng of the defauR and re/nst~emmt of the loan ~ be pe~rnitted up
to the th'ne of the sale by paying the past due monthly paymmts and other sums the~ due under the
MorLgage/Deed of T~ust loan agreement and by complying with all terms of re/nstatement.
You have the rigl~ to bring a court action to assert the nonexistence ora flet~ault or ~ay otb= defense that may
e~/st to prevent accderation and sale of the prope~y.
THIS NOTICE IS SI~IT TO YOU IN AFl ATTEIv~T TO COIJ.KCT THE INDEBTEDNESS REFERRED
TO HEREIN ~ Ably R,IFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE.
Since~et7,
Loan Couns~/-g Department
EXHIBIT
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR
HOME FROM FORECLOSURE
THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDHESS REFERRED TO
HEREIN AND ANY II~ORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSK
This is au official notice that thc mortgage on your home is hi default, and the le~der intmd~ to foreclns~
Specific infofrmfion about the nature of the default is provided in the attached page~.
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM ~ may be able to help to save your
home, This Not/ce ~,:'plains how the program works.
To s~e if HEMAP mn help, ¥~u must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN
30 DAY'S OF TH DATE OF THIS NOTICE. Take tiffs notice with you whm you me~t with the Couns~l~E
The name, address and phone number of Consomer Credit Counseling Agencies s~g yo~ Cowry ~e ~st~ at
· e ~d of~ Notice. If you ~ve ~V questions, you ~y ~ ~e P~syl~ Hous~ F~ce Ag~cv to~ ~
at 1-800-342-2397. (P~sons ~ ~p~ed h~g c~ c~ (717) 780-186P).
Th/s Not/ce contains imporiant legal/nformation. If you have any questions, representatives at the Consumer
Credt Counseling Agmcy may be able to help exphinit. You may also want to contact au attorney in your ar~
The local bar association may be able to help you find a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, FUES AFECTA SU DERECHO A
CONTIHUAR VIVIEHDO Eix[ SU CASA, SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION
0BTENGA UNA TRADUCCION IMMEDIATAMENTE LLAMANDA ESTA AGENC1A (PENNSYLVANIA
HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO ME~CIONADO ARRIBA. PUEDES SER
ELEGIBLE PARA UN PRESTAM0 POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY
MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERI)IDA DEL
DERECHO A REDIMIR SU HIPOTECA.
D~: April 19, 2001
TO:
258 Carlisle Ave
E~ola, PA 17025
Premises: 268 Carlisle Ave
Enoh, PA 17Q25
Re: Loanlqumbet: 0432~4185
FRONt
Homecomings Firths/al
ttOMEOW1NERS' EMERGENCY MORTGAGE ASSISTANCE
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE xiiq-lI CH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HI~PYOU MAKE FUTURE MORTCAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNEr'S EMERGENCY MORTGAGE
ASSITANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE:
IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES
BEYOND YOUR. CONTROL.
IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO
PAY YOUR MORTGAGE PAYIv~NTS. AND
IF YOU Iv~E.T OTHER ELIGIBILITY REQUIRF3vIENTS
ESTABLISHED BY THE PElqNSYLVANIA HOUSING FINANCE
AGENCY.
TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are mt/fled to a tm,~porary stay of foreclosure
on your mot~age for tb~y (30) days from the date of this Notice. Dura§ that time, you must an'ange ~nd attmd
a "~ce-to-face" meeting with one of the consume~ oredit cotmseling agmcies ~isted at the end of th. is Notice.
THIS lW.~rlNG MUST OCCUR WITHIN THE NEXT 30 DAYS. IF YOU DO NOT APPLY FOR
EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. TH~.
PART OF THIs NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TC~
BRING YOUR MORTGAGE UP TO DATE.
CONSUMI~. CREDIT COUNSELING AGENCIES - If you me~ with one of the censum~ credit counsaliaE
ageacies ]ieted at thc end of ti~ notice, the lind= may NOT take action a~inst you for ~y (30) days af~e~ the
~t~ of this meet/~. The names, adckesses and tdcphone numb~s of de~gual~d consumer credit couns~l~
agencies for the county in which the property is located are set forth at the end of this Noting, It is only
necess~7 to schedule one face-to-face meetin~ Advise your lender imm¢ct~toly of your intmt/ons.
APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forLh ~
in this Notice (see following pages fo~ specific information about the natu~ of you~ dei~ult.) If you have tried
· ~1 are,t-.hie to resolve this l~oblero with thc lmdcr, you have thc right to app~ for fi,~nc~ assistance from the
Homeowner's Emer~msy Mortgage As~tat~ce Pro~rr~ To da so, you must ~1 ou~. si~n and file a complct~
Homeowner's Emergency Assistancc Pro,mm Application with one of the designated consum~ credi~ couns~tin~
agencies ~ al the md of this Not/c~ Only consumer credil counseling a~encies have applications fdr the
prog~m and they will assist you in subrp, ltt/ng a complete appti~atinn to the Per, sylvania Housing Finance
Agency. You~apl~cat/on MUST tie flied or postmarked witi~n t/'drty (30) days of your i~ace-to-face meeting
LI~DI~ CONTACT IN REGARDS TO PI~INS'YLVANIA HOUSING FINANCIAL ASSISTANCE
HomeComings Fimncial Network -
9275 SK'7 Park Smart
S~n Diego, CA 92123
Atta; Loss Mitigation DeparLmmt, Steven Roark
Phane~ 1-888-810-4657, ext. 5130
ALL CORRESPONDENCE REGARDING PHFA ASSISTANCE SHOULD BE FORWARD~TI TO THE
ABOVE I~e~J~NCI~ ADDRESS.
YOU MUST FILE YOUR. APPLICATION PRO~m'IbY. IF YOLT FAIL TO DO SO OR IF YOU DO NOT
FOLLOW THE OTHI~ TIME FI:KIODS .~:! FORTH IN THIS L~.! ir.K, FORECLOSURE MAY PRO£:,~,', J
AGAINST YOUR HOME ~IATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE
WILL BE DENII~D.
AGENCY ACTION -- Ava~able funds for emergency mortgage a~$istance are ve~T limited. They will be
disbursed by the Agmcy undc~ the ~gibility crit.~Sa established by ~ AcL ThE Pennsylvania Housing FLm~nce
Agmcy ~ sixt7 (60) days to make a decision after i~ receives your appticatiozL During tl~t time, no foreclosure
proceedings v~l be pursued against you if you have met the time reaUm~nents se~ forth above, You will be
notified directly by the Pe~nsylv'ania Housing Finance Agency of its decision on your aloplica~an.
NOTE: IF YOU ARE C~Y PROTECi~U BY THE FILING OF A PElfflOlq IN
BANIGtUPTCY, ~IE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES
ONLY AND SHOULD NOT BE CONSTRUED AS AN Atl~lPf TO COLLECT THE DEBT.
(If you have filed bankruptcy you can still apply for Emergency Ivlertgage
Assistance.)
HOW TO C~?E YOUR MORTGAGE DEFATJ~T ~rtng it up to date).
NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your prope~y located at:
268 C~l~sle Ave, Eno~a. PA 17025
IS SERIOUSLY IlqDEFAULT beoaus~
YOU HAVE NOT MADE MONTI~.Y MORTGAGE PAYMENTS for the fo]lowing
manths and the following amounts are now past du~
Monthly paTmeots from 03101/01 to 04/01/01 tota~n~
Late Charges:
Other fees and/or costs (incluc~g NSF cba~ges and prope~y inspections):
LEGS: Umpplied F~ds:
TOTAL
1,213.90
$ ~7.32
hl/A
N/A
1,271.22
HOW TO CfJRE THE DEFAULT - You may cure the de~u~ within THIRTY (30) DAYS of the date of this
Notice BY PAYING THE TOTAL AMOUNT DUE TO THE LEIqDI~I~ 'RrHICH IS $ 1,271.22, PLUS ANY
MORTGAGE PAYI~iqTS AND LATE CHARGES WHICH BECOME DUE DuRnqG TF~ THIRTY (30) DAY
PERIOD. Palrmmts must be made e~her by ~cash, cashi='s check, certified check or maney order made pa~Fable
· ad sent to:
Homecomings Financial, P.O. Box 78426 Phoenix, AZ 85062-8426 OR OVEI~_IVIGHT
TO: 2445 W. Dunlap Avenue, Suite 100 Phoenix, AZ 85021-2803.
IF YOU DO NOT CURE THE DI~I~AUL$ - If you do not cure the default witl~n THIRTY (30) DAYS of the date
of th/s Notice, the lenderint~nds to e~rdse its rip. hr to accelerate the mortaa~ d~t. Tl,Js means that the
natire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the
mortgage in monthly/ns~,ilrnmtz. If full payment of the talal amount past due i~ not made wiibin THIRTY (30)
DAYS, tho finder also/r~md$ to instruct its attorney to staff legal action to foreclose upon your mortgaged
property.
IF THE MORTGAGE IS FORECLOSED IIPON - The mortgaged property will be sold by the Sheriff to pay off
the mortgaga debt. If the lender refers your case to/ts attorney, but you cure the delinclum~y before the lender
begins legal proceedings against you, you w/Il still be required to pay the reasonable altemey's fe~ ~ were
actually incurred, up to $50.00. However, if legal proceedings are ~arted against you, you w/Il have to pay all
reasonable attorney' s fees actually incurred by the lender, even if they exc~d $50.00. Any attorney's fees will be
added to the amount you owe the lmder, which may also include other reasonable costs. If you cure the default
within th~ THIRTY (;0) DAY per/od, .you will nat be required to pay attorney's fees.
OTHI~ LENDER RI~tI~IES - The lmder may also sue you personally for the unpaid principal bahnce and all
other sums du~ uad~ the mortgage.
RIGHT TO CURE THE DI~AULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within
the THIRTY (30) DAY period and foreclosure proceedings have begun, you s~l have the righ~ to cure the default
and prevent the sale at any time up to one hour before the Sheriffs Sale You may do so by paying the toial
amount then past due, plus any hie or other charges thai due, reasonable attorney's fees and costs counected
w/th the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in vaiting by the
lender and by perfom'lin~ any other requ/rernents under the mortgage. Curi~ your default in the manner set
forth in this Notice win msioro your nmrtga~ to tl~ same position as if you had rmwr defaultod.
EARLIF_ST POSSIBLE gHI~IFF' S SALE DATE - It is est/mated that the earliest date that ~uch a Sheriff s Sale
of tho mortgaged property could be held would be ~praximately six (§) months from tl~ date of this Notice.
A notice of the actual date of the Sheriffs Sale will be sent to you before the ~ale. Of course, the amount needed
to cure the default will increase the lonser you w~t You may find out at any time eanctiy what the required
payment or action will be by cantactint the lender.
HOW TO CONTACT THE LENDER:
Homecomings Financial
2711 N. ttaskdl, Se/to 900
Dallas, TX 75204
Atto: Loan Counseling Department
Phun~ 1.800.206.2g01
I~I'J~CT OF THE SHI~AI~F'S ~ALE - You should rsa]ize that a Sh~s ~e ~ ~d ~ o~ of ~e
m~ ~y ~d ~ fi~ t0 occupy it. If you co~ ~ ~ ~ ~e ~op~ afl= ~ Shmffs ~e, a
hw~ to r~ you ~ yo~ ~gs ~d o~ b~on~ co~d be ~d by ~ lm~ at ~y ~a
A~F~h'IION OF MORTGAGE- You may'.be able to sell or transfer your home to a buyer or transferee who
will assume the mort~ge debt, provided that all the outstanding payments, charses and attorney's fees and costs
are Fald prior to or at the sale and that the other requir~ner~s of the mortgase are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
TO SELL THE PROPERTY TO'OBTAIN MONEY TO PAY OFF THE MORTGAGE DE~T OR
TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS
DEBT.
TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT
HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS
RIGHT TO CURE YOUR DEFAULT MORE THAN ~ TIMES IN ANY CAT.I:NDAR
TO ASSERT THE NONLXISTENCE OF A DEFAULT IN ANY FORECLOSURE
PROuI:~DING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE
DOCUMENTS.
TO ASSERT ANY OTHE~ DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION
BY THE LF. NDEP~
TO SEEK PROTECTION UNDER THE FEDERAL BANKR~TCY LAW.
Lo~a Co~se~.g D~m'kmmt
List of Counseling Agmci~
APPENDIX
pENNSYLVANIA HOUSING FINANCE AGENCY
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PR~M
CONS~ER C~D~ CO~SEL~G A~CI~
(~v. I i~)
A.m~ican Rcd Cr~s-Hanover Chaptcr
529 C. arRslc Su~'t
Hanover, Penusybania 17331
(717) 639-3768
FAX (717) 637-3294
Adsn~ County Housing Amhority
139-143 Carlisl~ St
Get. burg PA 17325
(717)3M-1518
FAX (717)334~326
Action Housin& Inc.
425 6th Avc~u~
Pittsburgh, PA 15219
(~12) 391-1~56 ~ (412)281-2102
~ (412~391~512
Housing Opportanfes
t33 Sevm~t Street
McK~esport PA 15132
(a 12)66a.-1906
Fax (412)664-0873
PHPA (Marka Hms)
2275 SvaikM Hill Road, Bid& 2OO
PR~burgh PA 15220
(412)429=2842
FAX~(412)429-2835
NG
CCCS ot'Wes~ Pmnsylvania, Inc.
217 E. pl..u Road
Altoona PA 16602
(814)944.8100 or (814)944-5747
CCCS of Wzstcm PA
2000 Linglestown Road
Hatri~but~ PA 17102
(717)541-17F7
Community Action Southwest
22 West High Sueet
Wa)q~esbur8, PA 15370
(724) 852-2893
Urban League Of'pittsburgh
Bldg. For F. qunl Oppommity
One Smithfietd St.
Piusbutgh PA 15222-2222
(412)227--4802
FAX (412)227-4870
Credit Counsetots of PA
401 Wood St, Suite 906
Piusbu~h PA 15222
(412)-33S-9963
FAX~(412)338-9963
I~,dln-~ Co. Comunity A~iofl
Pro.'am
827 Water Sucek Box 187
Indiana PA 15701
(724)465-2657
FAX (724)465-5118
Financial Counseling Serv!_~__ of
Franklin
31 Wes~ 3~ S~ee~
Way~esbom, PA 17268
(717) 762-3285
CCCS of W~ Pennsylvania. Inc.
309 Smithfield S~ree~
Pinsburgh, PA 15222
(412) 471-75~4
Mon-Vdley Un~,,,vloyed Con~niuee
120 E. 9~ Avenue
Home.~,.-a_. PA 15120
(412) 462-9962
Annstro~ County Comnmnity
Action Agency
Annsdale Adm;,,i.v~ion Bldg
RD~8. ~ox 287
l~it~nni%- PA 16201
FAx(72,~)~a.3,s13
Ac'~on Ho~iag. lac.
425 6th Arcane. Suite 950
Pi'a~bu~.h. PA J5219
(412) 391-1956
FAX {412) 391-4512
Mon V~I~. Unemployed Commit~-e
120 ~ 9th Avenue
Homc~ead. PA 15120
(412 )462-9962
FAX#(412)9964
Bedfo~d-Ful~n Housing S~rvi~s
R.D.#I, Box
E'~..~ PA 1~537
(g14) 623-9129
~AX (814) 623-7187
Table. land Se'~c~, Inc.
535 East Main $eeet
Somm'set PA 15501
(814) 445-9628 or 1.800-4~2-0148
FAX (814)~43.36~0
Budget Counseling Cent~
247 North Fif~ S~teet
R,-~4;,,g, PA 19601
(610) 375-7866
FAX (610) 375.7830
Community Ho~ing Counselor, Inc.
P.O. ~ox 2aA
Kennea Square, PA 19348
(610) ~-~?- 3682
FAX (610) ~-~- 8243
CCCS of Western
Inc.
971 Third
Beavm', PA 15009
(724} T7~-0798
Homing Opportunities Inc.
133 Seventh Sleet
P.O. Box 9
McKenaport PA 15134
(412)664=1906
FA.X~412 )664-0873
CCCS ofWes~'n Pnen~ylvmia,
Inc.
217 E. Plar~k Roed
Altoona PA 16602
(814) 944-8100
FAX (814) 944.-5747
Weathm~atiou Ofra~
917 Mifflin Sa,~t
Hun~ngdon, PA 16652
(814) 643.2343
CCCS of r,ai~ V~ey
3671 Crescent Coati East
Whitehall PA IS052
(610) 821.~011 or 800-220-2733
(814) only
FAX (610) 82 i -8932
Housing Opportunities of Beaver
County, inc.
650 Corpora~un SL Suim 207
~. PA 15~
(724) 728-751Z
Credit ~el~f PA
~1 Wo~ S~ S~ ~
Pi~h~ PA 15222
(4~2~33~63
F~(4~2~3S-~63
Keystone E~:onomic Development
Cotlmrafion
1954 Mary Grace Lane
Johns~w~, PA 15901
(814) 535-6556
FAX (814) 539-1688
Economic Opporlamity Cabinet of
SchuylkiU County
225 N. Centre S~ent
Po~sville, PA 1790 I
('/17) 622-1995
FAX (717) 622-0429
BLAIR cou~rfy
Bed£otd-Fulton Ho~sing Services
R.D.#I, Box 384
EveretL PA. 15537
(814) 623-9129
FAX # (814) 623-7187
K~Tstone E,:onomi¢ Develop Corp
19S4 Mary Ot~e Lane
Johmtow~ PA 15~01
(814) 535-6556
FAX (814) 539-I 688
Wcatherization Ofr~ce
917 Mifflin Street
Hunt~nsdon, PA 16652
(814) ~43-2343
B DFO D COUNTY
CCCS nfNot,~mt~ern Penn.wlvenla
1400 Abinhton axccu6ve Park
Suite 1
Clarks Su,mi.~tt. PA 1841 i
($70) 587-9163 OR 1-800-922-9837
FAX (570) 587-913a/9135
31W. Market SL
Wilkes-Ban~, PA 18702
(570) 821.0837 or 800-922-9537
FAX (5'/0) 821-1785
208 W. ~amiltou Ave, Suite {
Hanu'lton Square Plaze
Sta~ College, PA 16801
(814) 238-3668
FAX (814) 2383669
The Trehnb Center of No,theorem PA
10 Public Avenue
MontrOse, PA 18801
(570) 278-3338 or
FAX (570) 278-1889
i 85 Elmira Sheet
P.O. ]aox 218
Troy, PA 1694'/
(570) 29'/-2101
33 W~nut $t~-t
WeHsbo~o, PA 16~01
(570) 724-5252
FAX (570) 724-5783
103 Warren SeeeL P.O. Box 709
Tunidm~noc~ PA 18657
(570)836-6840
FAX (570) 83~332
CCCS ot'Wes~em Pennsylvmi~, Inc.
217 E. Plan~ Read
Altoona PA 16602
(814) 9aa..8100 or (814) 944-3747
9 South 7Ih S~eet
Slroudsimrg PA 18360
(570) 420-8980 m' 800-922-9537
FAX (570) 420-8981
Get'man Street, P.O. Box 389
Dushore, PA 18614
(570) 928-9668
FAX (570) 928-81~4
931 Main Str~
Hon~dale PA 1 M31
($70) 253-S9~1
FAX (~70) 253-4817
BUCKS COUBfTY
Acorn Housing Cot~oralion
846 No~h Brn~
Philadelphia, PA 19130
(215) 765-122 I
FAX (215) 765-1427
HACE
167 Allcghcuy Arc 2nd FI.
Philadelphia, PA 19140
(215)426-8025
FAX (215) 426-9122
Community DeveL Corp of Frankford
4620 Oris~om Seeel
Phila,4,'lphi~ PA 19124
(2 i$) 744-2990
FAX (215) 744.2012
Northwest Counseling Serv~c~
5001 North Broad Su~et
Philadelphia,PA 19141
(215) 324-7500
FAX (215) 324-8753
CCCS of D~law~e Valley
1515 Market Su-cet - Suit~ 1325
Philadelphia PA 19107
(215) 563-5665
FAX (215) 864.2666
218 W. Chelton Av~n,,-
Philadolphia PA 1914a
(215)8,{9-6026
FAX(215)849.3446
~uck~ Cotmt~ Homin8 G~oup, Inc.
140 ~ ~ Avenue
Lznghome, PA 19047
(215) 750-4310
FAX (215)750-4318
CCCS ut Del~w'~Valk"y
Tt~vose Cor~orat,. Crater
4606 Su, eet Road
Tzevose PA 19047
(215)-563-5665
CCCS of f,~hi{h Vallry
3471 Crescent Corem East
Whimh~l. PA 18052
(610) 821-4011 OR 800-220-2733
FAX (610) 821-8932
American Credit Co~}{n~ Instimle
845 Coams Sc
Coat~v'iilo PA 19320
(888)212674 !
144 E Dekalb Pike
ICingofPtu~la PA 19406
610-971-2210
FAX (610) 265-4814
752 York Rd, S~itc 103
Win'minster PA 18974
(215) ~.a?. 9429
FAX (215) 956-6~4
~UTLERCOUNTY
Action Housing,, Inc.
425 6th Aveuue, Suite 950
Pittsburgh, PA 15219
(412) 391-1956 or (412)281-2102
FAX (412) 391-d~!2
Hous~ Opporumi~e~ Inc.
133 Seventh Sueet
P.O. Box 9
MoK~po~ PA 151~4
(412)
F~ (4~2) ~873
CCCS of western PA
1138 N. Main St F. xtcnsion
llut{~, PA 16001
(724)282-7812
Mon-Vallay Unes~plored
Cummi-ee
120 F.. 9~h Avenue
Homeste~l, PA 15120
(412) 462.9962
FAX (412) 462.9964
Housing OpporUmiti~, Inc.
650 Corpora'- St., Sui~ 20'/
McK~slmrt, ?A 15132
(412) 664.1590
FAX (412) 664-0873
Bedford-Fulton Housing Services
R.D.# 1, ~ox 384
Everet~ PA 15537
(814) 623-91.29
FAX (814) 623-7187
Indiana County Commtmity Action
Program
827 Wate~ Struck Box I Ii'/
Indiana. PA 15701
(412) 465-2657
FAX (412) 465-5118
CCCS of W~m'n PA
217 E. Plank Rcmd
Almona PA 16602
(814)9~100
FAX (814) 944-5'747
Keystone Econ Dev,"lopment
19~4 Mar~ Cwace Lane
Johnstown PA 15901
(S ! 4)535-6556
FAX (814)539-1688
Tableland Services, Inc.
535 East Main Sueet
Somersct PA 15501
(814) 445-9628 or 1-800.a52.0148
FAX (814) 443.3690
219-A College Park
Johnstown PA 1590~
(814) 539-6335
N~ Tim' Comlrwzty At,on Cot=p.
P.O. Box 389
135 West 4th Smeet
Emgmrimn, PA 15834
(814) 4~! 161
F~ (814) 48~825
CCCS of Westen PA
217 E. Plank Road
Altoona PA 16602
(814) 9a4-8100
PAX (814) 944-5747
CCCS of Wcs~m~ PA
217 E. Plank RoM
Al~oona, PA 16602
(814) 94~8100
FAX (814) 94d-5747
6
EOC of Schuylkill County
Pousville, PA 17901
($70) 622-1
FAX (717) 622-0429
CCC$ of Lehigh Yalk-y
3671 Cresem Cou~t East
Whildaall PA il052
610-821-4011 or 800-220.2733
717 & 814 only for $00~
FAX (610) 821-0137
C~CS ofNonheutem Pennrvlv,e. nia
1400 Ablngton Execot~ve PL'4c
Suim 1
L'larks SuAm~tt, PA 18411
($70) $87-9163 OR 1-800-922-9537
FAX ($70) $$7-913d/9135
31 W. Market St.
Wilkes-Barre, PA 18702
(570) 821-0837 or 800-922-9537
FAX (5'/0) 821-1785
Commission on ~,onontica Opportunity
of Lazn-ne County
163 Azllbet Lane
Wilke~atre, PA 18?02
(570) 826-0510 OR. i -800-822-03~9
FAX # ($70) 829=I66.%.CALL
BEFORE FAX'lNG
(7 ] 7) 4554994 HAZELTON
FAX # (9 ] 7) 455.-563 ] -CALL
BI'ORE FAXINO
(717) 8364090 TUNJG~ANNOCIC
208 W. Hamilton Ave, Suitc I
Hamilton Square Plaza
S~College, PA 16801
(814) 238-3668
FAX (814) 238-3669
9 Sou~h 7~ Sn'eet
Stroudsbur~ PA 18360
(570) 4208980 or $00-97.2-9537
FAX ($70) 420~981
CCCS of Western Penn~lvnnia, Inc.
217 Ii. Plank Road
Alm~ne, PA 16602
(814.) 944-8100
FAX (814) 944-5747
Lye~ming-Clinton Co Corem For
Community A~ion ($ I r.e
2138 Lincoln Street
P.O. Box 1328
Willianupon, PA 17703
(570) 3260587
FAX (717) $22-2197
CCCS of Northeastern PA
208 W. Hamilton Ave, Suite I
SmteCollegn PA 16801
(814) 238-3668
FAX (814) 238-3669
7
Acorn Housing Co~omtion
846 No,th Broad S~eet
Philadelphia, PA 19130
(215) 765- i 22'1
FAX (215) 765-1427
No;-~v,~.~ Counsclin~ Services
5001 N. Broad
Philadelphia, PA 19141
(215} 324-?$OO
FAX (215) 324.-8753
Community Devel. Carp of Frankford
4620 Griscom Street
Philadzlpm-. PA 19124
(215) 744-2990
FAX (21 $) 744-2012
Gurmantovm $~tlemem
218 W. Chcllon Avenue
Philadelphia PA 19144
(21 $)849-6026
~'AX(215)849-3446
Media FcLIowsblp House
302 S. J~.kson Sn~ct
Modia, PA 19063
(610) 565..O846
CCCS otD~laware Val[cy
1515 Market S~et. Suite 1325
Philadelphia, PA 19107
(215) 563-5665
FAX (215) 563-7020
Tabor Community Setvicos. Inc.
439 R. King $u'0et
Lancaster. PA 17602
(717) 397-5182 OR 1-800-785-
5062 (H.O.only)
FAX (717) 399-4127
American Red Cross of Chos~r
1729 Edgemont Avenue
Chester, PA 19013
(6~0) 874-14~4
Community Homing Counsclin8 [nc
P.O. Box 244
ICenn~ Square. PA 19348
(610) 4~-3682
FAX (610) ~?.*. ~t243
American Credit Counseline ln~it~
845 Coates St.
Coa~sville PA 19320
(888) 212-674l
144 E. Dekalb Pike
l(ingofPrmsia, PA 19406
(6t0) 971-2210
FAX (610) 265=4~ 14
167 W. Alice. hetty Ave, 2nd FI.
PhiladeJphia, PA 19140
(215) 426-802~
FAX (215) 426-9122
?hila Council For Community Adv
100 North 17th Street, Suite 600
Philadelphia, PA 19103
(215) 567.7803
FAX (215) 963-9941
Budgct Coumeling C. cn~
247 No~h
Reading, PA 19~01
(610) 375-7866
FAX (215) 37S-7830
CCCS ofDetawatc ¥aOey
Marshall Building
790 E. Market St., Suits 215
West Chester, PA 19382
(215)563-5665
755 Yo~ ~ Suha 103
Warm~er PA 18974
(215) .'~.~. 9429
FAX (213) 956-6344
CCCS ofWes~n Pmn.v/Ivan~ Inc.
YMCA Bvildin$
339 No~,h Wasbin~on S~'m
Butler, PA 16001
(412) 282-7812
CLEAR LD OUNTY
Keystone Economic Dmv~lnpme~t
Corporation
~954 Mary Gra~ Lane
Johnsiown, PA 15~01
(814) 535-6556
FA~ (814) 539=i688
CCCS of WesHm Pennsylvania, Inc.
217 F.. Plank Road
Alt0ona PA 16~02
(814) .~.'!. ~100
FA~ (814) 944-5747
Ly~:oming=Cllnton Coumies
Commission For Conummity Action
(s'r~p)
2138 lincoln $1reet
P.O. ~x 1328
WiHLamsl~r~ PA 17703
(570) 326-O58?
FAX (57O) 322-21~7
Indiana Co. Convn Action Progm
827 Water Street. Box 187
Indiana, PA 15701
(724) 465-2657
FAX (412} 46~-5118
CCCS of Nottbeastern PA
208 Hamilton Ave, SuiH I
Hamilton Square Plaza
State College, PA 16801
(814) 238-3668
FAX (814} 238-3669
CCCS of'Northeastern PA
208 W. Hamilton Ave., Suite
Han~ton Sqmte Plaza
Statc College, pA 16801
(814) 238-3668
FAX (814) 238-36~9
CCCS of WesHrn PA
219-A CoUeg~ Park Plaza
$ohn.~own PA 15904
(814) 539-6335
CCCS of Northeastet~ Pennsvlvzniq
Commission on Er. onomi~s Opporv~i~
o f L~,Z~, ue County
163 Amber l ~
Wilkes-Barre, PA 18702
(570) 826-O510 OR 1-800-822-0359
FAX # (570) 829-1665-CALL
BEFORE FAXING
(717) 455-49~4 HA2~LTON
FAX # (7! ~) 455-$~3 i-.CALL
BEFORE FAXING
(717) 836..dO90 TUN1CHAHNOCK
1400 Ablngton EXeeulive Park
Suite 1
Clarks Stmunitl. PA 18411
(570) $87-9163 or 800-922-9537
FAX (570) 587-~134/913~
31 W, Mar~t Snzet
P.O, Box 1127
Wilkes-Ba~e, PA 18702
(717) 821683? OR 1-800-922.9537
FAX (717) 821-1785
1720 Holhnd
E~e, PA 16503
FAX (814)453-5749
Shenango VI~ Urban Lea&me, Inc.
601 indiana Avenae
FalTell, PA 16121
(412) 981-5310
Adams Count/musing Aueeri~/
139-143 Carlisle SL
Oe~but~ PA 17325
('/17)334=i518
FAX (717) 334=8326
CCC$ of Weste~ Pennsylvania, Inc.
2000 Linglea'm~n Road
Ham~butg. PA 171O2
(717) :541-1757
Ch'eater Erie Commur~ty A~tion
Con-~i~ee
] 8 We~ 9th Street
Erie, PA 1650 I
(814) 459-4581
FAX (814) 456-0161
CCCS of Wmem Penn~dwni~
2O0O Lin~lestown Road
Harrisburg, PA 17102
YWCA of C. adisle
301 G $1reet
Carlisle, PA 17013
(717) 243-3818
FAX (717) 731-9589
Urban League of Me~opolitan
Harrisburg
2107 N.
Hartisbu~, PA 17101
(717) 23d-5925
FAX (717) 2349459
$obn F. Kennedy Cent. er, lac.
2021 Fas~ 20th
Erie., PA
(814) 898~
F~ (814) 89~1243
Co,~-...~ity Ac~on'Comm ot'~ho Capiul
R~'~on
!$14 Dotty Street
Harrbbur& PA 17104
(?!7) 232.07s7
FAX (717) 23~-2227
Financlsl Counseling Setvice~ of
Franklin
31 We~t 3rd Strcct
Waynesboto, PA 17268
(7 i 7) 762-3285
CommuaRy ActiOn
of the Capil~l
1514 Der~ Street
Ha~isbulx PA 17104
(7 i 7) 232-g757
FAX (717) 2~4-2227
I0
DELAWARP. COUNT~
^~m'n Housing Cmpor~on
846 Nm'cb Broad Steer
?b~ladelphia, PA 19130
(215) 765-122t
FA~ (215) 765-1427
¢CCS of Dehws~ Valley
1515 M~'k~ S~reet-$uit~ 1325
Philadelphia. PA 19107
(215) $63-5(~5
FAX (215) 864-2666
Genmntown
218 W. Cbollon Avenue
Pl~iladet~ia PA 19144
(2 i 5)~6026
FAX(2 | 5)g49.3446
A.'n~-~m R~d Cross of'Ches~n-
1'729 Edgnmm Avenue
Ches~T, PA 19013
(610}~74-1484
ACCI
175 S~'a~otd Ave, Suite 1
Wayne PA i~087
(610) 971=2210
F.%X (610) 68%7860
Northwest Court.soling Service
5001 North Broad $~reet
Ph!!nde~oh~ PA 19141
(215) 324-7500
FAX (2 i 5) 324-8753
HACE
167 W. Alleghony Ave.. 2nd Floor
Philadelphia. PA 19140
(215) 426-8025
FAX (215) 426.9122
Community Housin~
Inc.
P.O. Box 244
K~n~ Square PA
(6{0)
F~ (610) ~243
CCCS otDclaw'ge V~ll~
280 North Pmvld~nce Road
bladis~ PA 19063
(215) 563-5665
Community Devel Crop of Fvanktord
4620 Ori.qcom Snot
!~hila~;-. FA 19124
(215) 744,2990
PCCA
100 North 17~
Suit.
Plu'ladelphi~ PA 19103
(215) 567-7803
F~ (215) ~3-~1
M~a F~
302 S. J~
(61 O) 565~
ACCI
144 E. Dei~b Pike
KingofPrussie, PA 19406
(610) 971-2210
ELK COUNTY
John F. Komedy Cen~r, tm:.
2021 East 20th Strut
Erie. PA 16510
(814) 898.0400
FAX (814) 89S-1243
Nortl~n Tier CG.~anity Ac~on
P-O. Box 389
13~ w~4~ S~
~ PA 15834
(~4) 486-1161
F~ ~ (814) 48~825
glug
Booker T. Wuhington Cam~'
1720 Holland Street
Erie, PA 16503
(814) 453-574A
FAX (81,4) 453-5749
Or..er E~e Cofflm Action Corem
18 West 9l~ $troet
Erie, PA 16501
(814) 459-4581
FAX (814) 456-0161
John p. Kcnn~dy C. emgr, tm:.
2021 F.~t 20~h $1Tcet
~ic, PA 16510
(814) 898-04OO
FAX (814) 898-1243
11
At,on Hot~inF~ Inc.
425 6th Avenue, Suite 950
Pi~tsbvr~h. PA 15219
(412) 391-1956 or (412) 281-2102
FAX (412) 191-4512
Mon=Valle~ Unemployed Conm~ttee
120 E. 9th Avenue
Hom~',.-,~. PA 15120
(412) 462-9962
Tableland S~rvlces Inc.
13 ! North C~nt~- Avenue
Somea~ PA 15501
(814) 44.~-9628
FAX # (~14) 443-3690
Conmztmity Ac~on S~uthwest
22 West High Stz~t
Way~ PA 15370
('/247 ~$2-2~93
Fayet~ Co. Communit~
Ac~on A~"y, Inc.
140 North Beton Avenue
Uniontown. PA 15401
(724) 437-6O5O
lAX (724) 437-4418
CCCS Of Western PA
199 Edison Stzent
Un/ontovm PA 15401
(724)439-8939
CCCS ofW~'~-.m P~mz~iv~nia, Inc.
I North Gate
Gree~sbuz~ PA 15601
(724) 838-1290
Waz'r~n-Fon'est Count/es Economic
204 Mber~
Po~t O~ce ~OX 547
W~'~n, PA 16365
(814) 726--2400
FAX # (814) 723.0510
12
Finm~¢Ld Se~vi~s Unlimited
3 ! We~ 3rd Street
Waynesboro, PA ]7268
(717) 762.32~
CCCS of Wesm, n Pennsylvania,
912 South George $lre~
York. PA 17403
Community A~ion Commission of
1514 Der~ SIz~et
H~-~l~rg, PA 17194
F~ (717} 2~27
YWCA o f C. erlisle
301 G Street
C.m'lis~e, PA 17013
(717) 243-381 g
FA~ (717) 243=3948
~ Red Cross-Hanover
529 Carlisle S~reet
Hanover, PA 17331
(7 ! 7) 637-376~
FAX//(717) 637-3294
Urban L~ague ofMelropolitm Hbg
2107 N. 6th Slrl~t
Han~, pA 17101
(717) 234-$925
FAX (717) 234-9459
CCC..s or' Westm~ PA
2000 Lin~le~mwn Road
Harrisbur& pA 17102
(717) $41-1757
FAX (717) 731
Adams County'~o~g Au0~ori~y
13g-143 Carfislc SL
Gettysburg, PA 17325
(717) 334.1518
FAX (717) 3.~ g326
Bedford-Fulton Housin~ Services
R-D.#1, Box 384
Ev~-"u, PA 15537
(814) 623-9129
FAX # (814) 623-7187
CCC$ o£We.st~rn Pennsylvania, Inc.
912 South O~o~e Street
York, PA 17403
(717)846-41 ~6
Ac~un Housin& Inc.
425 6th Av~ne, Suite 950
Piasburgh, PA 15219
(412) 391-1956 or (412)281-2102
F~ (412) 391~12
Community Aedun Soulhwest
22 wes~ High Smmt
Waynesburg, PA 15370
(724) 852-2893
FAX # (412) 627-7713
Financial Counseling Se~dces of
Franklin
31 West 3rd Street
Waynesboro, PA ] 7268
(717) 762-3285
Wea~oriaadon Ollioe
917 MLfl~n S~reot
Hkm6ngdon. PA 16652
(814) 643-2343
CCCS of'Wesl~rn Penmylvania, Inc
I North Gate Square
Greensburg, PA 15601
(724) 838-1290
HUNTINGDON COUNTY
~=cLfo~-Ful~on Hou~in~ Services
KD I. Box 384
EvetetL PA 15537
(814) 623-91~0
FAX # (814) 623-7 ] 87
INDIANA COUNTy
CCCS ofWesm~ Pmnmylvania, inc.
1 Nord~ Gate Square
Greensbut8, PA 1 $60 !
(724) 838-12 o
Keystone Economic Development
Cmpomion
19--~ Ma~ Grace Lane
Jolmamowu, PA 15~01
(814)
FAX ($ I 4) 539-1688
CCCS of'Western Permsylvm~i~
217 ~ Plank Road
Alloona, PA 16602
(814)944-8100
FAX (814) 944-5747
Indiana Co. Conn~unit~ A~don
Program
827 Water 51reet, ~ox 187
In~ PA 15701
(T24) 465-2657
FAX (412) 4655118
Weatherizatioa Office
917 Mifflin S~
Hun~n~lon, PA 16652
(814) 643-2343
CCC$ of Wcsm. n PA
219-A Collcsc Park Pla~
Johnmown PA 15904
(814) 539=6335 --
John F. Kennedy Comet, Inc.
2021 East 20~ S~reet
E~e. PA 16510
(814) 898-,O40O
FAX (814) 898-1243
CCCS of Wemm Pean~lv~nia,
Inc.
YMCA
339 No~ W~ofl
Butl~, PA 16~1
(724) 282-7812
Indiana Coufley Communie/Action
Pro.am
827 Wazet Slx-t, Box 187
Iadi~... PA 1~701
(724) 465-265?
FAX ('412) 465-5118
JUNIATA COUNT~
CCCS ofWe~etn Pennsyl~nl,.
217 E. Plank Road
A~:mna PA 16~02
f814)9~4-8100
FAX (814) ~4--$747
Wead~etization Office
9J7 Mil~lin Street
(814) 643-2343
LACKAWANNA COUNTY
CCCS ofNor~.~,e ~,?n P~'nr',a'vlva.nia
31W. Marke~ Seee~
P.O. Box 1127
Wlk~-Ban-e, PA i 8702
(570) 821..0837 OR 1-800..922-9537
FAX ($70) 821-1785
1400 Abia&,tun ~uiive P~k
Suite 1
Cl~rk~$~l, PA 18411
(570)$87-9163 or 800-955-9537
FAX (570) 587-9134/9135
Co,~,,~mity Hun~inl Counselors,
P.O. Box 244
ICea~m Square, PA ! 9348
(215) 444-3682
FAY (215) ~bt4.-3178
CCC~ of We~e~ Pem~ylvaai~ inc.
912 $o~h Oeor~ Seee~
York, PA 17403
CCCS orLd~ valky
3671 Ca~aeat Cour~ ~as~
Whitehall PA 18052
(215) 8'21-401 ! 1-800-220-2733
(717) & (814) ONLY
FAX (215) 821-8932
Tabor C~a~y Setvi~e~, inc.
439 F- King Slicer..
1.4acam~, pA 17602
(717) 397-$182 OR 1-800-788-$062
FAX (717) 399-4127
CCCS of Weuern Pennsylvania
1st Federal Plaza-Suite 406
North M~
New Ca.~e., PA 16101
(724) 652-8074
312 Chesmut 5t~,eh Suite 227
Mcadville PA 16335
(814) 3334570
Sbe~,,~.o Valley U~an ~.~ague. Inc.
601
Fareell, PA 16121
(724) 981-5310
Housiag Oplxnluai~es of Beaver County
650 Corpomion St., Suite 207
Beaver, PA 15009
(724) 728-7202
FAX (412)728-7202
Eco.om~c Oppormni~ Cabinet of
SchuylkiU Cotmty
225 North C~nu~ St~et
Po~v~lle,, pA 17~01
LI~H{GH COUNTy
CCCS ofL~hi~h V~ll~
3671 ~t Court East
Whitohall, pA 18052
(610) 821-4011 OR 1-~00-220.2733
(717) & (81d) ONLy
FAX # (610) 821-8932
Tabor Communi~ Services,
'139 E. King -~troet
Lanca~er, PA 17602
(717) 397.5 ! 82 OR I -g00-788-
5062
FAX (717) 399-4127
Economic Op~rt Cabinet of
SchuyBciU Co
225 Nonh Cemre Seeet
Pot~ile, PA 17901
(717) 622-1995
FAX # (717) 622-0429
1400 Abing~on ,~xecudve Park
ClarksSummi~, PA 184ll
(~70) $87-8163 or 800-922.9537
FAX (570) 587-9134/9135
EOC o~$chu~il~
225 North
Pottsville, PA 17901
(ST0) 622.1995
FAX # ($70) 622-0429
16
CCC$ ofNorthe, as~m Pennsylu~-
P.O. i~x 1328
(570) ~2~05~7
1400 Abingmn p~e~utive Pm'k
Suite l
CIm~Surnmit~ PA 18411
(570) 587-9163 ot 800-922-9537
FAX (570) 587-9134/~ 135
31 W, M~et
P.O. Box I
(57o) 821-o83 ,o 14oo-9z -95 ,
FAX # (570) 821-1785
John P. Kamedy C. enm~, Inc.
2021 East 20th Smoot
Erie., PA 16510
(814) 898-0400
FAX (814) 898-1243
Northern Tier Comm~mity Acdon
Corp
P.O. Box 389
135 W. 4~b Stzeet
~ofi~ PA 15834
(814) 486.1161
P~ (814) 4~825
Shenango Valley Urban Le~ue., Inc.
601 Indiana Avenue
Fro-tell, PA 16121
(724) 981 -$310
CCCS oF Wes~'nPmnsylvzrd~
YMC.~ Building
339 North W~bingtun Street
Bufl~*, PA 16001
(724)2~2-7812
CCCS of Wes~,n Peansylvmia, lac.
217 E. pt,,,,~. Rond
Almonz ?A 15602
(Sla) 9,~t--al00
FAX (814) 9~-5747
Wea0naimion Office
917 MitRin Su'c~t
Huntingdon, PA 16652
(814) 643-2343
CC'CS of Noahemern PA
208 W, I'lann'lUm Ave, Suite I
Hamilton Squme Plaza
Sm~C, oll~e PA 16801
(s14) 2 s-3668
FAX (814) 23s-3669
Corem on Eeon Opp of Luz=-~ County
163 Ambor Lane
Wilkes-Ban~, PA 18702
(570) 8260510 OR 1-800-822..0359
1AX # (570) 829-166~--CALL
BEFORE FAXING
(570) 455-499~ H~rTON
FAX # (570) 455-5631--CALL
BEFORE FAX]NO
(717) 836-4090 'I'UN}O~OC~
1400 Abing~un E.zecut~ve Park
Suim 1
(570)587-9163 or 800-922.9537
FAX (570) 587-9134/9135
9 Sou{h 7th S~"~I
Stroudsburg PA 18360
(570) 420..g9~0 or J~00-922-9537
FAX (570) 420...8981
MONTOOMERY COUNT~
Acorn Housing Corporation
846 Nor~ Broad
Philadelphia, PA 19130
(215) 765.122 !
FAX (215) 765-1427
Phila Council For Community Advmnt
100 North 17th S~'~et. Sui~ 600
Philadelphia, PA 19103
(215) 567-7803
FAX (215 ) 963-994 !
Media Fellowra~ House
302 S. Jar. kson SI~OI
M~lia, PA 19063
(610) 565-0846
Noflhw~ Coumeli~g S~rv~c~
5001 N. Broad Street
Philadelphia, PA 19141
(215) 32~75~
F~ (215) 3~753
~ermantown $e~t
218 W. Cheitun Avenue
Philadetphia PA 19144
(215)849-6026
FAX(215)&49-3446
CADCOM
701 DeY~lb $l~'t
Norristown, PA 19401
(610) 277-6363
FAX (610) 277-2123
CCCS of Delaware vail.v/
1515 Market S~eg Sui~ 1325
P~h~ PA 19107
(215) 563-~5
F~ (215) 8~-26~
Community Housing Counselor% Inc
P.O. Box 244
Kenn~t Square, PA 19348
(21 $) 44a-3682
FAX (215} ~ ~243
CCCS of D~laware Vall~,
Norttstown Bus~ne~s C~m~r
190 W. Genmmo~n Piks, Sui,,. 140
Norristown PA 19~01
(215) 563-56~5
Amm'ican Civil! Coon$-linR In~,qe
845 Coate~ St,
Cont~ville, PA 19320
(888) 212-6741
144 E. Dck~b Pike
KingofPrus$ia PA 19406
(610) 971-2210
FAX (610) 2654814
755 York Rd., Suite 103
Warmiuster PA 18974
(2 ! 5 ) 444-9429
~AX (215) 956~S4~
MONTOU
18
CCCS of Mor~eas~n Pennsylvania
31 W. Market Strut
P.O. ~ox 1127
Wilkes-Barre, PA 18702
(570) 82 I-0S37 OR 1-800-922-9537
FAX (570) ~J-1785
1400 Abing~n Executive Park
Suit~ 1
ClarksStt,~..~d~. PA 18411
(570) $87-9163 or 800-922-9537
FAX ($70) 587-9134/9135
NORTllAMPTON
CCCS ofl~ V~liey
3671 Crescent Court Rnst
Whi~el~lL PA 18052
(610) S21~011 OR 140~2733
(717) & (814) ONLY
F~ (610) 8214932
NORTR'UMBg_.R LAIND COU, NTy
CCCS afNorthe,~m'n pennsylvimla
31 w. M~-km S~ree~
P.O. Box ! 127
W~B~nu, PA 18702
(570) ~21-0837 OR 1-800-922-9537
FAX (570) 821-1785
1400 Xbin~on Exe~utlve
Suite I
ClarksSummi~ PA 18.111
(570)587-9163 or 800-922-9537
FAX (570) S87-9134/9135
CCCS of Wes~-m Pennsylv~i,,. Inc.
2000 Lin~lesiown Ro~d
Harr~bm'~, PA 17102
(717) M1-1757
Urba~ ~ of Metropolitan
2107 N.6th Sac-et
Harrisburg, PA 17101
(717) 2~59~
Financial Counseling Services of
Frmldm
31 West 3rd Sweet
W~ynesbom, PA 17268
(7 i 7) 762-3285
YWCA of Carlisle
301 G Strut
Carlisle, PA 17013
(717) 243-3818
FAX (717) 243-3945
Winterization Office
917 Mifflin Sn'cet
Hunt~lgdon, PA 16652
(814) 643-2343
CommunJl~. Action Contmisaion of
I $14 Den. y Street
HarRsbml PA 171O4,
(71T)232.97~7
FAX (717) 234-2227
PHILADELPHIA COUNTY
19
^~orn Housing Coq~ration
8a~ North Broad
P hil~,delphia, pA 19130
(215) 765-]221
FAX # (215) 765-14.27
Northwest Counseling .Set,ce
· 5001 N Broad S~e~
Philadelphia PA 19141
(215) 324-7500
FAX#(215)324-8753
CCCS of.Del~ Valley
1515 Mark~ S~r~L Suite 1325
Ph~delphia. PA 19107
(2 ~ 5) 563-5665
F~ ~ (215)
CCC$ of'Delaware Valley
One Cherry Hill, $uim 215
Cherry Hill NS 08002
(215)563-5665
H^CE
167 W. Allegheny, 2nd Itl
Phi!=d-e~hJa. PA 19140
(21 $) 426-8025
IAX ~t (21 $) 4269122
Germantown See~neut
218 W. Chelton Avenue
Pl~delphia PA 19144
(215)849.6026
FAX(215)849.3446
Housing Associ~on of.Delaware
Vallcy
1500 Walnut Street, SuSie 60 !
Philadelphia. PA 19102
(215) 54~-6010
FAX # (215) 190-9132
Media Fellowship
302 S, Jackson Se'eot
Media PA 19063
(610)565-0846
Community Development Crop of
Frankford Group Min~
4620 Griscom
Philadelphia PA 191~1
(2 !
FAX~9215)7a~.2012
PCCA
ioo aor~ 17T~e~Sui~ 600
Philadelphia, PA'I 9103
(215) 567-7803
FAX # (215) 963-9941
Housing A.~oe~tion of Delav~i'e Valley
658 North Wans Sleet
Phgadeiph/a, PA 19123
(215) 97&-0224"
FAX # (215) 765.7614
755 York Rd, Suite 10;3
Watmin~or pa. 18974
FAX(2 I$)95&-~3'4
CCCS. ofNorthea~tern Pe~n~vlvsn;.a
31 W, M~ket S~eeL POB 1127
Wilkes-Ba~e, PA 18702
(570) 821-0837 OR I-~00-~'22-9537
FAX # (570) 821 .I 785
I ~00 Abington F, xecudve P~-k,
Sui~ I
Clad~ 5unm~/u PA 18411
(570)587-9163 or 800-922-9537
FAX(570)$87-913~b9135
Northern Tier COtam~uity Ao~on
Corpora6on
135 wns~ a~h Street
Emporimn, PA 15834
(814)486-1161
9 South 7th S~reet
Stroudsbutg PA 18360
(570)420-8980 or 800-922-9537
FAX(570)420"898 J
2O
Budget Coumeli~ Center
247 North Fi.~h ~
Reading, PA 19601
(610) 375-786~
FAX # {2 ] $) 375-7830
Co~'~i~-'-~n'~n Economic
of Luze~e County
Wi~ PA
(717)g2~510 OR I ~2~359
F~d(71 ~ 82~1965- C~ B~O~
(7z7) 455~ ~TON
F~ ~ (717) 45~5631~
B~O~ F~G
.(7~7)~~~
CC~ ofW~ P~ylv~ lnc
2~ L~g~
H~b~ PA 17102
(717)
F~(717)731
Bed[ord-Fukon Housing
R.D.#1, Box 384
Everen, PA 15.~37
(814) 623-9129
F~ ~ (~14) 623-7187
CCC$ otWemm Pemsylvmia, Inc.
i Noel Ga~ $qu~=
~r2 G~'dea Cram. Drive
Oreensbutg, PA 15601
EOC of SHuytkil! County
.225 N. C~mre Stre~
Poasvillc, PA 17901
('717) 622-19g$
FAX # (717) 6224M29
Urban League of Metropolitan
Harrisburg
2107 N. 6th Street
Hamsburg PA 17101
17101
(717) 541-1757
FAX(717)234-9459
Bedford.Fu/mn Homing
19~4 Mary Grace Lane
$ohnstown, PA 15901
(TAX ~ (]~14) $39-16~8
219-A College Park Plaza
lo/rosin,am PA 15904
14)539-6335
CCCS of Lettigh Vall~
P.O. Box A
Whitel~ll PA 18052
(610)-821-4011
FAX#(610)821-8932
Communhy Action Corem of the Capita]
Region
1514 Dc;~, SU~et
Harrisburg PA 17104
(717)232.9757
F~x#(? 17)23~227
Table. lind Services Inc.
535 Ezst Main Street
Some~e~ PA I$501
(814) 445-9628 - 1~52~148
~ (814)
SULLIVAN COUNT~
21
1400 ^bing~on Executive Pad~ Suite !
Clnrl~ SummJu. PA 18411
($70)$87-9163 OR 1-800-022-9537
FAX # ($70)587-9134/9135
31 W. Madtet St.
Wilkes-Barre PA 18702
(570)821-0837 or 800-9:12-9537
FAX#($70)821.1785
The Trehab Center of Nor~bo--,--.~ PA
185 ELmi~StreeL P.O. Box 218
Troy, PA 169,47
(570) 297-2101
FAX(S?0)297-2799
17 Cntflon Se'cci
Well,bom, PA 16g0~
($70) 72d-$252
FAX(570)724.5783
Genma SeeeL P.O. Box 389
Dushore PA 18614
FAX( 570)297.2 799
(570) 928--~668
¥AX(570)928-8144
7 Lake Avenue, ~ox 339
Momrose, PA 18801
(5'70) 2783338 or 1-800-912-4045
]~AX# (570) 2"/~-1889
SUSOLrERANNA COUNTy
CCCS ofNo~be~m'~'~ Pe'nn~lwa~ia
1400 Abin~,mn Execmive ParlL Suit~ I
Clat~ Summit, pA 18411
(570)$87-9163 OR 1-800-922-9537
FAX # f570)587-9114/9135
31 w. Mark.,. St.
Win~es-Barte PA 18'702
(570)821-0837 or 800.922-9537
FAXd(570)821-1785
The Trehah Cenl~ of Nort_h~,.eq PA
931 Mm Seeet de
Honesdale PA '18431
(570) 253-8941
FAX(570)253.4817
103WatrenS~-eekP.O. Box 709
Tunidmmod~PAJ8657
FAX(s70)836..6332
185 Elmira S~zcet, P.O. Box 218
Troy. PA 16947
(570) 297-2101
FAX(570)297-2799
17 CrOon Sla~,t
Wellsboro, PA 16901
($?0) 724-5252
FAX($70)724-5783
German Saeet, P.O. Box 389
Du~ore PA t8614
FAX(570)297-2799
(~70) 928-9668
FAX(S70)928-8144
7 Lake Avenue, ~ox 339
Moauose, PA 18801
(570) 278-3338 or i-800-982-4045
FAX# (570) 278-1889
931 Main Sa,eet
Hone~dale PA 18431
($70) 253-8941
FAX($70)25.3.48 ! 7
103 W&,~ Sn,eet, P.O. Box 909
Tunkbannock, FA 18657
($70) 836.68,10
22
1400 ^bington F. Xeeu~ve Paz4~ Suite I
Ch~ks Smnmin, PA 18411
(570)$87-0163 OR i-800-922-0537
YAX # (570)587-9134,~ 135
31 W. Market
Willms-Bafl~ PA 18702
($70)821-0837 or 800-922-9537
FAX~(570)821-1785
The T~b Center ofNorth~rn' PA
185 Elmira S~-et, P.O. Box 218
Troy, PA 16947
(570) 297-2101
FAX(570)297-27~9
17 Crafton Street
Wellsboro, PA 16901
(870) 724-~'252
PAX(5?0)?2d-5783
G~man Street. P.O. Box 389
Dmhore PA 18614
FAX(570)2~7-27~)
(570) 928-96~8
FAX(570)928-81 ~
7 take Ave~u~ Box 339
Montrose, PA 18801
(570) 278°3338 or J-800-9g2.4045
FAY~ (570) 278-1889
Lycomin~-Clinmn Co Corem For
Corem Action (STEP)
2138 t,hcoln S~,u~r~ P.O. Box 1328
Willialmport, PA 17703
(57O) 326.0587
FA~ # (717) 322-2197
GTe~[~' Erie Commufli~ Act/on
18 Wut 9T~ Street
Erie, PA 16501
(814) 459-458 i
FAX # (814) 456.0161
~okcr T. Wuhin~on C. cn~
1720 Holl,-,4 Stree[
Erie, PA 16503
(814) 453-5744
FA~ # (814) 453-$749
CCCS otWest~rn Peunsyiv~mh
217 E. Plaflk Road
Alu~na PA 16602
(814)944-8100
(814)944-8100
$ohflF. Kcm~edyCe~r, lnc
2021EAst20~hStr~t
~'ie, PA 16510
(814)898-0400
FAX#(814) 898-1243
931Ma~nSn~et
HonesdaJe PA 18431
(570)253-8941
FAX(S70)253-4[17
103 Warren $W~el, P.O. Box 709
Tmddlann~:k, pA 18657
(570) 836-684o
FA-X(570)836-6332
CCCS of W~t~u Pennsylvania, Inc.
339 Noflh V/i~n $~
Butler, pA 16001
(412)282-78 ! 2
23
WASHINGTON COUNTY
^aJon Ho~ins. Inc.
425 6th Avenue, Su/te 950
(412) 391-I 9$6 or (412)281.2102
FAX#(412)391-~$12
CCCS at Western Pennayiv~mla, Inc.
I North Gate Square
Gre~.nsbur~ PA 15601
(724)83L1290
Credit COUmelorz Of PA
~01 Wood St, Suite 9O6
Pimbmlb PA 15222
(412).,338-9963
F.~XJ~4 i 2)338-9963
Community Act/on Southwest
22 Wes~ High S~reet ·
Waynesburg, PA 15370
(724) 8~2-2193
Homing Opportunities. In¢
133 Seventh Slreet
McK~-~por[, PA 15132
(412) 664.-1599
FAX # (412) 664-.0~73
CCCS at'Not~.beastem Pennsylvania
1400 Abmgton E.v. ecmive Park. Suite I
CLitks Sunmlje., PA 1841 ]
(570)58%9163 OR 1-800-922.9537
FAX # (570)5r/-9134/9135
31 W. M~et SL
Wilkes-Bant PA 18702
(570)82 I-O837 or 8OO-922-9537
FAX#($70)821 -I 785
CCCS of Wes~'n Pennsylvania. Inc
53 N. College Street
Washington PA 15301
(724)2228292
Mon-Valley ~.~oyed Committee
120 E. 9d~ ^~
Homet't~d, PA I 5120
(412) 462-9962
FAX(4 ! 2~62-996
9 South 7~h S~eet
Stroudabur8 PA 18360
(570)420-8950 ~r 800-922-9537
FAX(570)420=898 !
The Trehab Center of Northen~em PA
185 Elmi~ Slz~eL P.O. Box 218
Troy, PA 16947
(570) 29%2101
FAX(570)29?.2799
17 CrtRon Seeet
We.U,~boro, PA 16901
(570) 724-5252
FAX($70)Z14-5783
German S~eeL P.O. Box .189
Duabore PA 18614
FAX(570)297-2799
(570) 928-9668
FAX(570)928-8144
7 Lake Avenue, Box 339
Montzoae, PA 18801
(570) 278-3338 or 1-800-982-4045
FAX# (570) 278-1889
931 Main Steer
Honesd~le PA 18431
(570) 253-~941
FAX(570)253-4817
103 WalTea ~ P.O. Box 709
Tunk~ pA 18657
(570) 836-~40
FAX(570)836-6332
2.4
W~.STMORELAND COUN'i~'_
Action Housing. Inc.
Pi~b~ PA 15219
(412) 391-1 ~ ~ (412)2Bi.2102
CCCS of Wes~,n Pennsylvania, Inc.
! North C.-zte Squa~
~2 Oard~ Ccn~r Drive
Gree~burg, PA 15601
(724)838-1290
WYOMING COUNTY
Corem _~¢_-~. Opport oFLuzen~ Co
163 Amim' Lane
Wilkes-Barre, PA 18'/01
(570) 826-0510 OR
FAX # ($70) 82~--1668
Mon-V~lley Unemployed
Commi~
1201~ 9th Avenue
Homestead, PA 15120
(412) 462-9962
FAX(412)462-~96
Tableland Services Inc.
535 ~ M,,;,. Sn.ue~
Sontetset, PA 15501
(814) 445-9628
1-800-482..0148
FAX # (8 ! 4) 443-3690
CCCS of Western P~",n.~lvmia. Inc
199 ,~lieon Steer
Unlonmwn PA !$401
(724)439-8939
Indbm Co '._ 'ty A ion
827 Warn, S~ Box 187
Indiana, PA 15701
(?24)
FA.X(724)468.5118
CCCS of Nnr~en.qtem P~flnsvlvsni.,
I~.00 Abin~ton Executive Pan~, Suite 1
Cla.,'ks SummJu, PA l~,l I
(570)587-9163 OR 1-800-922-9537
FAX # (570)587-9134/9135
31 W. Market S~.
Wflkea-Ban'c PA 18'/02
(570)82 i-0837 or 800-922.9537
FAX#(570)821.1785
The Trdub Cent~' of N~.~.~t PA
185 Elznir~ Street, P.O. Box 218
Troy, PA 16947
(570) 29'/-2101
FAX(570)29?.2799
17 CraYon S tree~
Wellsboro, PA 16901
(570) 724-5252
FAX(5./0)?2d-5783
Geflmn StmeL P-O. Box 389
Dushore PA 18614
FA J((570)297-2799
(570) 928-9668
FAX(570)928-8144
7LakeAvenu~ Box 339
Montrose, PA 18801
(570)278-3338 orl-800~82-4045
FAX~(570) 278-1889
931 Main Street
Honesdale PA 1843 I
(590) 253.894 I
FAX(570)253..4~ 17
103 Warrm Su. ee~ P.O. Box 709
Tunkbannock, PA 18657
( 7o) s3 14o
FAX(570)836-6332
25
Amcricsa R~d Cro~-N.novcr
529 C~rlisl¢
H~aovcr, P~msylvan~ 1733
(717) 637-3
FAX # (717~ ~37-3294
Housing Council of York
116 North 0co~¢ S~ree~
York, PA 17401
(717~1~1
F~ ~ (717) ~l-~g~
CC(IS of We~tcm Pennsylvania
2O00 Lin~.le~tOwn Road
l'hrrisburL PA 17102
(717)541-1757
CCCS of We~-rn Pennsylvania. lnc
g 12 Sou~ Cveot~e Street
York. PA. 17,103
26
VERIFICATION
I, JILL M. WINEKA, ESQUIRE, Attorney for Homecomings Financial Network, Inc.,
Servicing Agent for BankOne, National Association, Trustee, vedfy that the statements made
in the foregoing Plaintiff's Amended Complaint in Mortgage Foreclosure 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 falsification to authorities.
Owing to time constraints and our client's offices being out of state, counsel is signing
this Verification based upon information and documents within counsel's possession which
were provided by the Plaintiff, as well as information which is of public record.
Jil~l. Wineka, Esquire
Attorney for Plaintiff
CERTIFICATE OF SERVICE
I, Barbara A. Shadel, an employee of the law firm of Purcell, Krug & Hailer, do hereby certify
that I served a true and correct copy of Plaintiff's Amended Complaint on the following by depositing
same in the United States Mail, First Class Postage, Postage Prepaid, addressed as follows:
Dennis R. Sheaffer, Esquire
111 North Front Street
P. O. Box 889
Harrisburg, PA 17108-0889
Attorney for Defendant,
Charles J. Smeigh
Dated:
B~:bara A. Shadel
BANKONE, NATIONAL
ASSOCIATION, TRUSTEE,
Plaintiff
CHARLES J. SMEIGH,
Defendant
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
: NO. 01-454fi
: CIVIL ACTION - LAW
: ACTION OF MORTGAGE FORECLOSURE
DEFENDANT'S ANSWER WITH NEW MATTER
1. No response required.
2. Denied. After reasonable investigation, Defendant is without knowledge or
information sufficient to admit or deny the allegations set forth in Paragraph 2, and as such, the
same are denied and strict proof demanded thereof.
3. Admitted.
4. Admitted.
5. Admitted in part; denied in part. It is admitted that at the time of the execution of
the Mortgage Note, the Defendant executed a mortgage in favor of AmeriQuest Mortgage
Company that was recorded in the Recorder of Deeds Office in Cumberland County on August
10, 2000, Mortgage Book 163 l, page 813, regarding the subject premises. It is admitted that a
true and correct copy was attached to the Amended Complaint and marked Exhibit "C". The
remaining allegations with regard to the assignment of the mortgage is denied, as after
reasonable investigation, Defendant is without knowledge or information sufficient to admit or
deny said allegation and as such, it is denied with strict proof demanded thereof.
6. Admitted.
7. Admitted.
8. Denied. It is specifically denied that said mortgage is in default and more
particularly, as itemized in Paragraph 7, and strict proof is demanded thereof.
10.
11.
12.
Admitted.
Denied as a conclusion of law.
Admitted.
Denied as a conclusion of law.
NEW MATTER
13.
be granted.
14.
15.
16.
17.
Doctrine.
18.
Plaintiff has failed to state a cause of action upon which the requested relief can
There is no privy of contract between the Plaintiff and the Defendant.
Plaintiff lacks standing to bring the present action.
Plaintiff is not a real party of interest in this matter.
Plaintiff is estopped fi.om prosecuting this action under the "Clean Hands"
Plaintiff has failed to comply with the requirements of the mortgage and notice,
which is a precondition to the prosecution of this action.
19. Plaintiffhas breached the requirements of the mortgage in question.
20. The attorneys' fees being charged are unreasonable and unwarranted in light of the
actual work performed and failure for a legal basis to prosecute this claim.
WHEREFORE, Defendant respectfully requests this Honorable Court to dismiss
Plaintiffs Complaint and award him counsel fees and costs for the defense of this action.
Respectfully submitted,
TUCKER ARENSBERG & SWARTZ
Dated:
By:
Dennis R. Sl~affer t,
Attorney I.D. #39182
111 North Front Street
P.O. Box 889
Harrisburg, PA 17108-0889
(717) 234-4121
Attorney for Defendant
45277.1
VERIFICATION
I, the undersigned, CItARLES J. SMEIGH, do hereby certify that I am the
DEFENDANT in the foregoing action, and that the statements made in the foregoing ANSWER
WlTIt NEW MATTER are true and correct to the best of my knowledge, information and
belief~ I understand that any false statements made to this verification are subject to the penalties
of 18 Pa. C.S.A. §4904, relating to unsworn falsification to authorities.
CHARLES J. I~ME~GH
CERTIFICATE OF SERVICE
AND NOW, this /~ day of ~~ , 2001, PAULA J. BEITER,
for the firm of TUCKER ARENSBERG & SWARTZ, attorneys for Defendant, hereby certify
that I have this day served the within document by depositing a copy of the same in the United
States Mail, postage prepaid, at Harrisburg, Pennsylvania, addressed as follows:
Jill M. Wineka, Esquire
Purcell, Krug & Hailer
1719 North Front Street
Harrisburg, PA 17102
PAOLA J. BlighTER
L J LLt
BANKONE, NATIONAL ASSOCIATION, TRUSTEE,
Plaintiff
VS.
CHARLES J. SMEIGH,
Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND CO., PENNSYLVANIA
NO. 01-4845
CIVIL ACTION - law
IN MORTGAGE FORECLOSURE
PRAECIPE TO DISCONTINUE
TO THE PROTHONOTARY:
Kindly mark the above-cap§oned matter discontinued with prejudice.
Respectfully submitted,
Dated:
~orn' Wineka, Esquire
ey ID # 58802
PURCELL, KRUG & HALLER
1719 North Front Street
Harrisburg, PA 17102
(717) 234-4178
Attorneys for Plaintiff
CERTIFICATE OF SERVICE
I, Barbara A. Shadel, an employee of the law firm of Purcell, Krug & Hailer, do hereby certify that I
served a true and correct copy of the foregoing Praecipe upon the following by depositing same in the United
States Mail, First Class Postage, Postage Prepaid, addressed as follows:
Dennis R. Sheaffer, Esquire
111 North front Street
P. O. Box 889
Harrisburg, PA 17108-0889
Attorney for Defendant,
Charles J. Smeigh
/~rl~ara A. Shadel
Dated:
[cl~homecomings~smeigh~prae to disc)