HomeMy WebLinkAbout04-5150
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
PNC BANK, NATIONAL ASSOCIATION,
CIVIL DIVISION
Plaintiff ,
No. CJ.J - S'I S6
C!.iULL '-r E.A..Yv1
vs.
DAVID W. RYNARD and
VICKIE L. RYNARD,
CIVIL ACTION - COMPLAINT IN
MORTGAGE FORECLOSURE
Defendants.
Filed on behalf of PNC Bank, National
Association, Plaintiff
Counsel of record for this party:
Beverly Weiss Manne, Esquire
PA 1.0. #34545
Brett A. Solomon, Esquire
Pa I. D. #83746
TUCKER ARENSBERG, P.C.
Firm #287
1500 One PPG Place
Pittsburgh, Pennsylvania 15222
(412) 566-1212
I hereby certify that the
property to be foreclosed
upon is:
201 N. York Street
Mechanicsburg, Pennsylvania 17055
4th Ward, Borough of Mechanicsburg
Tax I.D. No.1 -23-0567-0
~
Brett A. olomon
Attorney for Plaintiff
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff ,
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No.
PNC BANK, NATIONAL ASSOCIATION,
CIVIL DIVISION
vs.
DAVID W. RYNARD and
VICKIE L. RYNARD,
Defendants.
IMPORTANT NOTICE
You have been sued in court. If you wish to defend against the claims set forth in
the following pages, you must take action within twenty (20) days after this Complaint and
Notice are served by entering a written appearance personally or by attorney and filing in writing
with the court your defenses or objections to the claims set forth against you. You are warned
that if you fail to do 50, the case may proceed without you and a judgment may be entered
against you by the court without further notice for any money claimed in the Complaint or for any
other claim or relief requested by the Plaintiff. You may lose money or property or other rights
important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT
HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Lawyer Referral Service
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
(717)-249-3166
1-800-990-9108
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
PNC BANK, NATIONAL ASSOCIATION,
Defendants.
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CIVIL DIVISION
No. f'Y-J- SlS6 ~~(.J~l'--r~
Plaintiff,
vs.
DAVID W. RYNARD and
VICKIE L. RYNARD,
COMPLAINT IN MORTGAGE FORECLOSURE
AND NOW COMES PNC Bank, National Association ("Bank"), by and through its
counsel, Tucker Arensberg, P.C., and avers the following in support of its Complaint in
Mortgage Foreclosure:
1. PNC Bank, National Association is a national banking association
organized under the laws of the United States of America with a principal place of business at
One PNC Plaza, 249 Fifth Avenue, Pittsburgh, Pennsylvania 15222-2707.
2. Defendants, David W. Rynard and Vickie L. Rynard ("Borrowers"), are
adult individuals with a last known address of 201 N. York Street, Mechanicsburg, Pennsylvania
17055.
3. On or about October 2, 1998, Borrowers executed a Direct Installment
Loan Truth-In-Lending Disclosures ("Note") whereby Borrowers promised to pay Bank the
principal amount of $60,196.14 plus interest and other amounts as more particularly set forth in
the Note. A true and correct copy of the Note is attached hereto as Exhibit "A" and incorporated
herein.
4. The obligations evidenced by the Note are secured by a Mortgage dated
October 2, 1998 ("Mortgage") given by Borrowers to Bank, encumbering certain real property
located in the 4'h Ward of the Borough of Mechanicsburg, County of Cumberland, Pennsylvania,
as more particularly described therein ("Premises"). The Mortgage was recorded in the Office
of the Recorder of Deeds of Cumberland County, Pennsylvania on October 23, 1998 in
Mortgage Book Volume 1491, Page 412. A true and correct copy of the Mortgage is attached
hereto as Exhibit "B" and incorporated herein.
5. The Borrowers are in default of the provisions of the Note for failure to
make payment when due and therefore the Borrowers are in default of the provisions of the
Mortgage. The Note is due from June 1, 2004 and as of August 30, 2004 was past due in the
amount of $1,663.32.
6. The Borrowers are the record and real owners of the Premises.
7. There has been no assignment, release or transfer of the Note or the
Mortgage.
8. On or about May 5, 2004 Notice was sent to Defendants in accordance
with 35 P.S. ~1680.403C (Homeowner's Emergency Mortgage Assistance Act of 1983 - Act 91
of 1983) and 41 P.S. ~403 (Act 6 of 1974) that an action on the Mortgage may be commenced
after 30 days from the date of the Notice. Said Notice further advised Defendants of
Defendants' rights and obligations in accordance with the Acts. A copy of the Notice sent to the
Defendant are attached hereto as Exhibit "C" and incorporated herein.
9. The amount due Bank under the Note and the Mortgage as of August 30,
2004 was as follows:
Principal..................................................................................... $44,127.18
Interest through August 30, 2004
(Continuing thereafter at $9.0303/diem)................... ...................216.73
Late Charges...................................................................................... 28.02
Costs ........................................................................................ to be added
Attorneys' Fees (to the extent actually incurred) ....................... to be added
TOTAL....................................................................................... $44,371.93
-2-
10. The total amount due to Bank under the Note and the Mortgage as of
August 30, 2004 was Forty-Four Thousand Three Hundred Seventy-One and 93/100 Dollars
($44,371.93), plus costs and attorneys' fees.
WHEREFORE, Plaintiff demands judgment in mortgage foreclosure for the
amount due of Forty-Four Thousand Three Hundred Seventy-One and 93/100 Dollars
($44,371.93), plus continuing interest at the contract rate from August 30, 2004, late charges,
reasonable attorneys' fees and costs of foreclosure and sale of the Premises.
By:
)[7; A
'I?!:: !'lolomon, Esquire
Pa. I.D. No. 83746
1500 One PPG Place
Pittsburgh, Pennsylvania 15222
(412) 566-1212
Attorney for PNC Bank, National Association,
Plaintiff
BANK_FIN:232125-1
-3-
VERI FICA TION
I, Darnella Ganaway, Attorney Relations Manager, and duly authorized
representative of PNC Bank, National Association, deposes and says subject to the penalties of
18 Pa. C.S.A. ~4904 relating to unsworn falsification to authorities, that the facts set forth in the
foregoing Complaint in Mortgage Foreclosure are true and correct upon my information and
belief.
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Darnel a Ganaway _____ ~
Attorney Relations Manager
PNC Bank, National Association
BANKJIN:232125-1
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
PNC BANK, NATIONAL ASSOCIATION,
Plaintiff,
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No.
CIVIL DIVISION
vs.
DAVID W. RYNARD and
VICKIE L. RYNARD,
Defendants.
AFFIDAVIT OF NON-MILITARY SERVICE
COMMONWEALTH OF PENNSYLVANIA )
) SS:
COUNTY OF ALLEGHENY )
I, Darnella Ganaway, Attorney Relations Manager, PNC Bank, National Association,
being duly sworn according to law, hereby depose and say that the Defendants, David W.
Rynard and Vickie L. Rynard, are not members of the military service of the United States of
America to the best of my knowledge, information, and belief.
--............~
Darn a
Attorney Relations Manager
PNC Bank, National Association
Sworn to and subscribed before me
this0t::;i, day of J~, 2004.
~pf,~
Notary Public. <L__.
My Commission Expire$
eG'oll: ;;i::G':! ~ ~.';<:,?
., '.'E'n,'}
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DIRECT INSTALLMENT LOAN TRUTH:I~~ENDING DISCLOSURES
IUtionoll Associoltion IO.t" Oct. 2, 1998
!' .OLNACS Nu~r 7493739
'{
,.
21\0
-ttndtr:
PNC BoInk,
ANNUAL
PERCENTAGE
~T[
.The cost oj the Borrower's
t:tedilas. YOIrty note,
FINANCE
CHARGE
The dollir amount the credit
will cost the Borrower.
~ i
.Tolal of Payments
iitle amount the Borrower will have
li9<iid after Borfowe, bas-made- aU
payments JiS scheduled.-
:ii
.Amount Financed
The amount ot credIt
plovlded to the lmlroVier 01
on the Borrower's!jehalf.
L-.
, 7.48+
$
I
1~1['
"
-
I':
1, J"8
s
..0701 .06
601911.14
100897 .20
'.: ' .Tlie'IIa<"",~r" Poyment Schodule will be:
. ~ 'I'" Numr:of P'J~ents Amount of PtJrMnts
r. . lBO $ 'Uol\.5i1
t: .
e means an estimate
When Payments Are Due
Monthly, beltnnil1g
, ',I
. I'
lol. Cho,." I ] No~Apoticable. I J 1(.1 paJm.nt n not p'ld
in tull WlI''hn IS di'f!: ~ lu due d.te, Bonod may be cbllled 1he
ileater of $20.00 or 5~ ~the tot,1 palmtnl
. ,
~rity: linder is aettinc a security interest m depoSits 01
p<<ipolty held by le..er, .nd:
..I IN"""I I
I ] .... ~sl't.. I
) Goods <)r property beinll: purCflased.
)
Itemization of Amount Financed
Amount Financed
s !... ~tt1'.--1 5h'--vt
Ii} Amount civen directly to Sorrower
S Sr- ....11' . V.I".t
!2J Amount paid on Borrower's aCtDunl
S
(31 Am.unt ,e"ioed by lendt, lor
SIt S.ttl_1 5&1'-1
S
{41 AmGUnl paid to others OIl. Sonewer's
beh,lf:
(.It. publicoffici'b
S "vt'
IbJ fo. cftcht insurance
-' tr. ",Uh: II SII'<;.. I
tel to
$
(dl"
S
fello
$
IQlo
I
1&)10
$
{hila
$
{,JI.
$
Prepaid Finance tharge
,$
lleminhon of Am(lunts paid by &rroMr
at the time the lOin IS made,
I StalL'; I
Prep3YIMRt: II 801'f{Jwet ;Plys oif early, 8orroMr .dl nollulve to
pay a penally. : ~
In addition. coll'I,,,1 (other Ih.n Borrower's p"ncipal ..lid.n,,) .tfluired :Dtpo'it 8'I'~: I I NO\oIppliable, I ) I h,
iecurinl qtlm obliptions to lender may also secure thl.'i Note Annual P~ccenta&e Rate: does ftOI tlfe into account any required
..........1 I Cha deposit balanc:-e.
. -w..,tr".ttrllt r,ts: Auumptioft: II tbls lOIn 1S secured by a d.ethnl, $OmeMe
. l i ....~~ I . I Filina Fees $ purchaSilll that GweUinl nr,lIOt assume tht ",.,inder ot the loan
.......I~:1 I 'lfl ,\jlpli"ble. ..n Ih""i'n,"erms. :
.(. ,Ttie ~nUJI Percentaee Rate may increase il the Pflme Rite published In '1he WaN Stf!ttJounui increaSe!. Tbe rile wiH not incrl!ast
tn~' often~U1an once i month. Tne rale will not increa~e mOle than one pe,cbnlaie IJOtntln.:lny one month and .itl not incrust mort
lhaMive percentale points CI~rin& lhe term of the M1.l'l. The rate will never inJ:ruse De10nd ! 8'-. Any increase In lhe rale as a result of
aft inCreasl in the indelt may ('.Iuse the number ot payments to increase. and/~r: ' r
..f J the amount of the final p'yment 10 chlnge. The tin.lll payment ~ill nenr be lr,c:reilSed to mere than 150~ of the ,eeu1ar
payl.l'tfnl fir enmp)e. if your loan were lor $10.000.00 at an 100Ilal,a!e Gf 13"'1'1. reP1l'~b~ .048 monthly pa'lJItltts of S27D.76.lftd
the ~ inUtlsed,to 141/2% after 17 payments, Utcleased 10 lSI'l~ aflcr the ned 12 paytJ;ents. and Ihen remained the $,Inl!! tor the
~: ttr~ ,C!' the loin, you would be required to pay one add~~naJ payment 01 $254.88. ' ~
; . -. ,f I the amount 01 the payments to ehjnge. The_amou;11 of Ihe payments ma)'ln::-.re.st eyery four years the final payment will
:,.,ne.vet be increaSed to more Ihan 150% 01 tne legul.r payment. For eumple. ,f :;our il)3n .-.ere;!or $10,_000.00 at an initial tile o1131/t~,
:' ',ep.,.blt in 72'monthly payments 01 $203.39, tnd Ihe Ilte increasea to 14~r'1~_ after 12 pimenls.. Increase<! to 151,'~: after the next
'.i;,. ~"::_~~?:'~::t~en remained the same tor t~e term or (he loar.. the payrr!nt am,)un( wOtJr mcre!se to $227.12101' lht 49t1i Ihroueh
;\<::.' F4('~_,,:'{If~:~{O~~'~ participation in the automatic payment plan IS lllsconlinued 'or any te2S0~ the Aulomahc Payment Pli" Discount of
f\><.\'ifi-:':;:' "::,"- . - '" '.: , percenlaae pomts .".ill terminate and may causI~ the nle to_1ni:lease, Any 'reruse ;n Ihe rate Win cause the amount of (1)
~/{:,:~Z''''':Y_;'~':pI.~I~ iru:rease. For example. It your loan were for $lO.OOO.OO at an Ulllial rale oI131{7\, f!;)lyable 1ft 48 monthly payments 01 $
:-;}~~t;: :':~S21o:t1~':~~tbe,o;Scoijnt terminat!!d aller 12 payments. the lUymer.t amount ~~ukJ Incrt'!SE! t~ ~ for the :emainde. 01 121
~#~ ).:~.:!;fft'~~~:.f~~~.' '. _ ? $
~(ti.?? ~:~j:O.~~~~ct'doe,uments.tor'any additional informatlon abaul nonluyment d~laull.jltny nquircd payment in full before the (3)
~;'~~~~;~~~t~:_~?~ ~~~~,yment r~fuOds a.Ad penalties. l'
~%t . ...~'k.~:".j;~:lIOrREQUllEo:credfUfe Insurance and Credil Oisa~hly Insurance Ire not' eil'Jirod 10 obl.in cred!. and .ill not be provided :nless BO/rower(s) sign below and .gre'l.
~.;;1'.'...~.} ... .,'. ~. .J~!J.I)StI,al1C' maY be purchased on Ih,liIe of.ne or Iw. B."ow",. c..<lit Ols.tihly In ,uranee m,'y be p,':~asetl Gn only on, Borro.er. 1I0bl,m,d IhJlltJgh l,nder Ih, cost of
li..:~~ii . .UiliWigih.aI' term of tfie.credit IS stated bl?.Iow., lender rnay reeerve llnanc!il beneh!s Itdlm IhE Borrower s purcl\ase 01 Insurance. -Borrower"' who IS IfIsured may nol be a Co-Maker.
~ii "",."k;:;:;;;;:-:;;:;:"; ,,,A,J'Yt':.x-L
. ;, .,' ,'.,,>;{."$ig~'lures oljPersQll, 10 b8 insu. or Joint CritjnLilelnsurance;
.. . ..".' '."1: ..:.. ,,'r ii~;>,-~:::'i.\~g~'~?:Y~?~~'::t"i :::::'::'.,:1 ,::'.-fj.:. '''.
I.." ." _''',' " '..'" , ' , , _~':;,':~,.-'::\.;~:~:'>~j\(;~~:th::S.i~i\at~,~, of:~tr~\1eE/,.:,,},. _~, ',:, ,:,~",".',:"',~!\'-':. ,.. '\::,:":,;~::":'.:_ :,: ,': .
;::i.,:,"~.t>"~!!''',~',~\Q:~~.A,;I~, l".~.A\~i;""I-r~;;..o~",:;",!o\f-'~liyD.~ji..:tvh;...H~~~Uf_ed ~9f~6w~g$1~vM fe~ejv~ js ~t~l)rth jQJtre certUi~l~ OJ '1lOHCY: as' .appti~able,_ "<: ',.,,'<:.:i:.:'''/, . -'.-,'
i~~" \ k~: .....!I ,.. i. !', ' 'I" . . , , ' ':-'::;:-<I,:~~~~:~J.~1i~H~\~'in,:_~ie_~~~!~'s;~Hnt~ .~.>~?R~.~~..*:~nd,~~,o.fthjf:f,~i~.~~~~~'W,~f:~j~'~.~t~in:the-insUra~cef.r.Oni'an.YDne.-
~i~{'~~ ;N~'r~~: 1m! l~:,\~ ,,~:; ! ii'''"$;~::i}:>tiL .,,'XX ..........i...... .......i.i<".:i.,i.{>t.-:, . " ... ............ .. ... .
:. ,:!'I_l',r.! \" '. . 'and1110!*~ih~;i~"beIPwJc~~~. iilrle;tl..tl:d~t%j~~i;~;kh~~~~~.:aa~t'I:.y:~aW~I~~r.
" , .. es .lhe.'A:u?~~t~\v!~directlytG ..g~'ler f~O.Ob or S%. 01 th,l.t,1 im~uril olU1~PiY~!lItw"icii;w.asnot paid in. fulL No lale
,," ..... -:\i.':,,,<'I.;'. ... .>'CI~arge Jllliedua. h..",r,inh'feaspn.lh~tlhepiimerHrJal!is eitheliJa) attributable to
" ...... .", [., '.. Pit: Bank N. t1onoll/Assoc ii.otionail'le charge asSessea on a pfl'r,paY'1',ot;qf Ibh~eC~~,s';'nerde{.ult by Barro..r, Ih.
.' , . " , , .,:... .. >>i,.": ... erllle .u\slan~,"g balance onthls No\e.'~1u,,:NP~()le;tnap.o,late charge wW be impused
, ;. it.'.,. ~ :: II '. . Iwer or&:rnise~:i~"03~-"tblender '::~~rJ~t~~e;;~~cu~~ r?~r~;.2~~' -,'.',' " .'- .' ..
SIt S.llI_.t 5&1'-1
.. '~RE~TINSUilANCE IS NOT REQUlRED:'trldillil! l,,"'aocI anj >.0,1 Disabiilly in"fi,e; "I ~t r l'!ir!ll to olllm C!~j~ and d not tI/ p,ov:~ :di'SS e.rr~wel{s) sign belo.: and '!Iet t I
.." ,:,)ay,t~e additional CO!lt{$I.-lnsulance ,may bot piJ'clla~~ cn~ile Bfoj,fine br twc-gv~ww€ri. C~~lt D.s,atlt In.Y,lranremay be ~~-:;!ld~_or. ~iy_ one Bo:wl'Ie,r. Ir~~ained through Lef)Qerth~ CDit ,.
.::J~_imur,ance for ~crlginal term Gf_I~e: cr€rljtls,sl~tE~ t~io-~^ leMH maf fe(;ei',~ 1\'Hr.~;ijbi!ne1rt:i 1!6-" ~he &:fO'ften ;JU:thas:'! of JnSllra:''}I.:e~ ~Borrcwer- wt.o IS IMured may not be a (A):Maker,
~jiwinISjng~Ctedjr:l,lil!!r.sulanCtVlhICh{;ijSIS$, . _ ,1; _~\.,
. ..: , , .' S"~;"la:llreCi?er~nliJt.t_it~::,~Jjlil ~ingieCreiidl"-feinslJf:anCe
....,;-:.f.~~~t SuigJeCredj.t:~lSab'!I~'r.s.uranc~WhiChclj:;~.S 5
.,,:; .., . . Sl'n!l.,'t~"'~ t.' ~ 'r.;urlc~i~ Cr'~. ,.~~ti~r il1~uraf!C~
. .;We"1iRIJointCredlilil~lnsu"n,,wh~hcO;III 'AU......lf/'''''.{/!f~v:L. 2.!. "',,~ lcee"
'<;u,.">._,:_, , ' ,5147.14 Sl-i~l~re"~fO~F;onst~!(I~tS~OIJoi:itCretillliltlI1S\iran;:e
',\"~_B.o~!~er:does~,desirt!JJisnol~hgibltrorcr~lt''l9.iWlo:e:.,_.___'._ "I " _
'C.~~to BelltowN~I:Th. maxim,", '~ount 01 co,", a,1 .h>tt ml!a 60"""1') .;;~;:::':;~;':~~;~~;, 1"WhllC.lt'.1 poif'i as i~P;Cab..
:<:~1~~;,::~"s Sinele In~~e$tlnsuran.te: I ~ot Appiic~t!:I:_! j L~r.1l?c'~ S:qj: J::;\:r~~: ~!"~:;r;'f'~~h 1~'.;iie-j as a Ctmo,tK'1 c~ tili~ ::redlt g~rr(lYl'e! un obtain the insurance rrom anyone
'%\:~.,:e~ble IilLmt'r.iI.ooulned I,om Lentler, the "'! "i!", S ii
(;\PI~ECTINSTA~lMEfH LOAN NOTE .' . 6. Ci\\RGE:i INolA~.; 1~~O!!~IhaILendellnayasleSHIa\echalie
.Z,klill!flNIT1Ol1S:.tPtll~ .Note. tilt WOld "Bolla.l( ,,""; me i'd a;; al Inuse .!l(; "1' l%, '''' I. Y P'lOle,,1 llilt ~al(\ m lull '''b,. 15 dlj; o~ It; doe date. The lat.. ch..~ wiD b. tlle
,,;~::~.-<~:,~_~:'~b !n(aA ~.th(,-se.who.en~O!se the check I'thd dlstJ,jrses tt!! 'Af.'ltmr.t 2:,fii: ~!:~,~:~,:i i;:;'1 (:f 520,00 or 5,,: Dll~t tatil ~p:o;.!m cl tne pa)'mE!it''t!hlCh Y,las ,not paid In1~IL N~ lite
;,/Jl",:!,~. . ./;.. . I 'hi l" .,1 be Gue. b"~JH. d !iIt t";on t\.1 th. payment" ,.Ie IS "tlIer:la) ittnbulable In
:<:,;:'Tilf ..,d.'lentle~lIleallS PNI'. 1bn~. ~t. 1 A .'. . 14m.it il!essed a', i .~r", ~ai''''eJ1I: alibI be'ills~. auer default bj Borrower, the
.">::,,,%:~,~person to .w,om Ihis Nole .,as Nerr1I!!tlll!/m! lona SSOC 1 r t 1 on eOle t .au~1Jll<!inr: balll'.c. 00 this Not' " du'. N. more Ihan one late chalg. 0111 be tmposed
"'2'B"RROW. ER'SJROMISET PAY'r ,. Bo . ,. ""b!..w;gleschlduledp.ymer,l
~,<"~:.,<,Y,, fl,. 0.:,0 repay_thIS lI,Ian, lIow~t praml~e~ 10 pl', t~ ~eMer -7..~.~~PAYllnTCHANGES:
;.i;"~?$-?~ 601'6.~~ . wlih Intefestan the unpali1 balance from Ib~ailfe /~Il,ji: are! .; 'J.. hl!1Ii.~ment ~roounls ~dl n&-! t/lan,ge Col'e: tt::e !trm or thE: loan except as st.ileJ j~ (.he
'. advanced until pa m lull. Inl.r.SI sflall b~ pa<l allht fite W Innum o! .. ?'J !"nl S<nedule.
r : Bon'~r prOOllse to make Daymenti In acccr!.iance Wlln Ine payment SChedti17~~ 1r,; ii fl ,. ~ f' ...;
. "~; Il<<lllWer PI .OS 10 p.a) t, lender all ulhlr .moun:s '."P m.y become due Ill'der It, I rlTh! p.a,m_nl.mounts mi, ,;,or....' B'Jr."" .ermonal" pa",?patron ,n Ibl autOlftitlt
.1eI1l1I pI tilts Note. ncludlR~ II applrc.bll, l.l. Charies .nd ColtS.1 Coller:lion Belnowel ;[ree; 1'<1!""'lpla~ l~ wi det"""ne.lIe 1'...."'1.. "1,,1 month~ paymen,s thil wwIl be sull_t
, to.l1fIkl paymeflls altPI pi"." .>1' Jitld by LInde' BM..." ~ay also II! leq"red '" ~ll ::lo .e~y ~ Iul 'I the M.llJlilJ O.I!, fhe '"PiG Ill""opall;ala<>;t tlill. ~lpected. to be due on tht
, ,Lt/!del cett..n o!hi!r charges be::'~ ",a., .ri' ,IV! anI mon" ~,B,.".er The\1 C~"il; II P.,~ept .hange dale, al tile 1ll1e".1 rate ~ effect allt.,,,,. tt.: catculallO!lG being made. Lender
<'imp.. sltted ab<!v~ 10 "ltem",llon " I,mou'"is palO 'I Bure"I,.t fOI I"'. the loan I, c,le/' .1'Pl'ly Ilotmwer oIllrtnew """""lofUI P.yment wl>ch 5 due.
:, :and!;,,,. tlIe Sllttemenl Slatemlnt. . . I {~. 'C,a,!/! 10 the Illleroslrall mil ,,"Ie Ihe numw 01 p.yments 10 ch.nge andlor tlIe
.\::,:::::! . ~ . _', i -am!.i. t Ojl the final pa~'menl to c.hance. One month bEl{lfe ~he MlIturity Olte. if necessary; t.he
': .~~~;~~YMEHT SC~fDUlE: aor:(ll'f~)( agf!!eS 10 p.ity to l-~fldet Ihe arne-Jot; due I1ndel HlIs ~~{;:~. nurnr c.1 ~Vf'li!nts jut filii inCltJSt so thilt tbt fmat payment wm Ilot be more than 150\ ot
,,'\/,kin u"'~tein'~ed monlhly payment. 17i1,<ilentsol S; S60.5Ia i Ihl ~ev;,"Slj scbeduled monthly paym~'t
,;.an..d.,,::.r lin..at;pay.jile. n.t, which Will be bllled'by lende,r. (,f ~li remam:ng uncal1 a~Ol;n:: I t (:t;ingfs in the mlereSl~..rlle ma>y ::au~e tbt numtv of payments '.0 change and.IM tile
.'.Pajoi,e.tswil be J J! on the sam. dal al each monlh sta!lini co Dee. 1 : 1998 alllO'\"t ,\ Ih, pa~rnenlllo ,ncleas;: the IllSl chaole " tt.. paymenlamaunl m.y oceUI ona
.'P~Ylients'oll cOllI~ueuntil.!1 amaunts dUI m paid ' , I e'lef:8 ""n.lhl .Iler the due ~M ollhl IllSt monlhly p.yment. subsequent ellanges, d
>1..1." .' ..... ., .. .. I _, 'pp' ib~ Will occur every 48 month. thereaUer. Nolllorelhan 45 days. bufllOt less lhan 25
."'... ....... llIUnl~rerrUped. monlh~ p.~men".. ""pi ,or thl month, ,.t".. Plym~.1. caYI;",!ole. :the dale 01 elch payment chanj'. LeooerwlK calculll. the new paymenl.mouil. l
:,'~.,:o';J 1 : ..'.' and '3 llnal payment, ~h1C~ \'Iii! be OllleU b}' the Ler.~;er. 111 all It1~ ~yment amount moy lllC~tase b~1 0\'111 not detrelse, except lor the Imal payment ~ender
...J,"'l1~ming ujlpa<l ,mounls. P'ymeollwJlI be du. Oil In,< ;;m, eli e: mh ment' 1:11\"/ co .,~ <!?t~m,"e the amount 01 elluat mOl\fh~ payments t~,lwould be sulrIc;eJ1IIP repay III lUll.
..",: .. ;. .PROVIOED HOWEVER. th,1 ria piimen!S snail b. dUE Cu'''-th. b~t1i! \\aMrty Dall. thl unplldpnoclpal balante Ihat IS expeeled 10 be due on tI1e paymellt
i,.......:.i....,.~.j...(......rr'.'..,!~.:.: ~..' . .) . .1" ~~'?9~:~;r'~~ ~~:~I:a;~~u~I:~11 ~~~a~~:~~ew~:~::du:~ ::g :.~~~. ~:~~~ ~~
" . ... /aCt. ym. MiM,ly Date. II neceml~,:lhe number pi payme~ls due will inclease so that Ihe final
';:;;}(i1.j In a smgle il!ymeJ1t al $ plus accrued Inl"..t I'd ,ali em.. paf""nl>ill,nol be more than, Imot tile preV10ully scheduled moothly payment
~"'.J;.e!ilOQnlSdueOllI .' 'un AODITIONAL PROYISIONS ON THE REllISE SIDHRE INCORPORAnD HEREtRAS
~~t~lI.1Q idditlOI,l'P/lOr to tu. montll of tile tllsl schoop,led payment as staled above.! Inte'l5I PART OF THIS Non. BORROWER ACKNOWLEDGES RECEIPT OF A COMPLETELY FIllED-IN
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.:.. .; ;'.~ ~.... ;e"I',,:. All DIE TElliS AND CONOlnONS OFlHIS NOTE. Each of the Borrowers guarantees tlI.t tlIe
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OLNACS Number 74937:
'MORTGAGE
(CI~ed-End)
Oct, 2 9 .
T.HIS f.10RTGAGE is made on , 19 . e Mortgagor 1$
If there IS mere than cne. the wor'OA~al\Sr'~Wi~u:rs,;.PrOO r'lall~y\QI\'IlDThe Mcrtgagee IS
ihe wore' Borrower' means
If there IS mare than one, the word ~8orrower'" herein reters to each and all of them.
DAYID W & VICKI L RYNARD
PNC Bank,.
National Associatic
Sixty Thousand One Hundred Ninety Six And 14/100
Sorrower ewes Mcg~ailf96';f~m of .. .. . .
~U.S. ::; , ).This debt IS eVI~enced by Borrower's wntten obligatIon (referred to herem as the "Note.), dated
This Mortgage secures to_ Mortgagee: (a) the repayment af the debt evidenced by the Note, with interest and ather charges as provided therein
(b) the payment of all ather sums, with interest thereon, advanced hereunder for the payment of taxes, assessments. maintenance charges, insuranCE:
premiums and costs incurred to protect the security of thiS Mortgage: (c) the payment of all of Mortgagee's costs of collection, including costs of suit and, i~
permitted by iaw, reasonable attorneys' fees and expenses, if suit is filed or other action is taken to collect the sums owing or to protect the security of this.
Mortgage; (d) payment ot any refinancing, substitution, extension, modification, and/or renewal of any of said indebtedness, interest,'" charges, costs anc
expenses; <e) the performance of Mortgagors and/or Sorrowers covenants and agreements under this Mortgage and the Note; and (I) the repayment of the
debt evidenced by any note or agreement which was refinanced by the Note, to the extent that such debt Is owed to Mortgagee and has not been paid, For this
purpose. Mortgagor does hereby mortgage. grant and convey to Mortgagee the following descnbed property. together with all imprtlVements now or hereafter
erected, and all easements, rights and appurtenances thereon; located at and known as:
201 N YORK ST, MECHANI SBURG , PA 17055 CUMBERLAND
Recording Date of Original Deed Apr. 10, 1991
Deed Beck Numb~r 35-A Page Number 970
Tax Parcel No. 19-23-0567-020
Dollars
Oct. 2, 1998
MECHANICSBURG BOROUGH
The word 'Property" herein shall mean all of the foregoing mortgaged property.
To haIJe and to hold the Property unto the Mortgagee, its successors and assigns, forever. Provided, however, that jf Mortgagor and/or Borrower shal
pay to Mortgagee the said debt, interest. and .all other sums, and perform all covenants and agreements secured hereby, then this Mortgage and the estate
conveyed by rt shall terminate and become VOId. ,
Warranty of Title. r.10rtgagor warrants and represents to Mortgagee that: (a) Mortgagor IS the sole owner of the Property. and has the right to mortgage
and convey the Property; (b) the Property is unencumbered except for encumbrances now recorded; and (c) Mortgagor will defend the title to the Propert)
against all claims and demands except encumbrances now recorded.
Covenants. Mortgagor promises and agrees as foHows:
(a) Mortgagor will maintain the Property in good order and repair; (b) Mortgagor will comply with all laws respecting the ownership and/or use of the
Property; (c) If the Property is part of a condominium or planned unit development, Mortgagor will comply with all by.laws, regulations and restrictions 01
record; (d) Mortgagor will pay and/or perform all obligations under any mortga~e, lien, or security agreement which has priority over this Mortgage
(e) Mortgagor will payor cause to be paid all taxes and other charges assessed or leVied on the Property when due and, upon Mortgagee's request, will deliver
to the Mortgagee receipts showing the payment of such charges; (f) While any part of the debts secured by this Mortgage remain unpaid, Mortgagor promise5
to obtain and keep in force property insurance and. if reqUired by federal law, flood insurance on the Property. The property insurance must cover loss of or
damage to the Property and must be in an amount sufficient to protect Mortgagee's interests; flood insurance must be of the type and in the amount required
by federal law. Mortgagor agrees to provide Mortgagee evidence of required insurance. All policies must name Mortgagee as a loss payee/secured party anc
must provide far at least 10 days written notice to Mortgagee of reduction in coverage or cancellation. Mortgagor gives Mortgagee the right to sign Mortgagor'!=:
name on any check or draft from an insurance company and to apply the money to any debt secu(f~d by this Mortgage. This is limited to checks and drafts in
payment of a claim under an insurance policy for loss or damage to the Property or for retumee or rebated premiums on policies insuring the Property;
(g) If Mortgagor fails to keep in force the required insurance and/or fails to provide evidence of such insurance to Mortgagee, Mortgagee may notify Mortgagor
that Mortgagor should purchase the required insurance at Mortgagor's expense. If Mortgagor fails to purchase the insurance within the time stated in the
notice andi'::- fails to provide evidence of such insurance to Mortgagee, Mortgagee may purchase insurance to protect Mortgagee's interest, to the extent
permitted b:.. applicable law. and charge Mortgagor the cost of the premiums and any other amounts Mortgagee incurs in purchasing the insurance. THE
INSURANCE .'.lORTGAGEE PURCHASES Will SE SIGNIFICANTLY MORE EXPENSIVE AND MAY PROVIDE lESS COVERAGE THAN INSURANCE MORTGAGOR
COULD PUR:HASE OTHERWISE. Mortgagee may receive reasonable compensation for the services which Mortgagee provides in obtaining any required
insurance en Mortgagor's behalf. In certain states. the required insurance may be obtained through a licensed insurance agency affiliated with Mortgagee.
This agency will receive a fee for providing the required insurance. In addition. 2!"! affi!iat'! may b! res;::oiisible for some or all of the underlying insutance risks
and may receive compensation for assuming such risks. If Mortgagor fails to perform any other duty or obligation required by these Covenants, Mortgagee
may, at its sole option. advance such sums as it deems necessary to protect the Property and/or its rights in the Property under this Mortgage. Mortgagor
agrees to re!:3y Mortgagee any amounts advanced in accordance with this paragraph, with interest thereon, upon demand; (h) Any interest payable to
Mortgagee ct:er a judgment is entered or on additional sums advanced shall be at the rate provided for in the Note; (i) Mortgagee may make reasonable
entries upc:"l ~nd inspections of the Property after giving Mortgagor prior notice of any such inspection; (j) Mortgagor will not sell, transfer ownership in, or
enter into an 'nstallment sale contract for the sale of all or any part of the Property; and (k) The promises, agreements and rights in this Mortgage shall be
binding upcr: and benefit anyone to whom the Property or this' Mortgage is transferred. I.f more than one Mortgagor signs this Mortgage, each and all of them
are bound ir::Jividually and together. The covenants made in this section and Mortgagee's remedies set forth below shall not merge with any judgment entered
in any legal action and shall apply until all amounts awed are paid in full. .
Oefauit. Mortgagpr will be in default under this Mortgage: (a) if there is a default under the Note; (b) if Mortgagor breaks any promise made in this
Mortgage: ,:; ,f any Mortgagor dies: (d) if any other creditor tries to take the Property by legal process: (e) if any Mortgagor files bankruptcy or if anyone files
an in'loluntar:I bankruptCy. against Mortgagor; (f) if any tax lien or levy IS filed or made against any Mortgagor or the Property; (g) if any Mortgagor has made
any false sra:::ment in this Mortgage; or (h) if the Property is destroyed. or seized or condemned by federal, state or local government.
Mortgai'oe's Remedies. Unless prohibited by law, if Mortgagor is in default under this Mortgage, Mortgagee may, at its option. after notice required by
law, if any. :::clare due and payable the entire unpaid balance of the sums which are secured by this Mortgage and owing upon the Note. If Mortgagee so
declares s:..;::- ~ntire balance due and payable. Mortgagee may take possession of the Property. collect any and all rents. apply said rents to the indebtedness
.securea b:; :~:i Mortgage-:'-foreclose the Mortgage. or take other action upon the Mortgage as permitted or provided by law to collect the balance owing. If a
mortgage ::~Iosure actlon.or any other action on this Mortgage IS filed by Mortgagee, and/or If Mortgagee takes any action to protect or enforce its mterest
!n any cour:. :.'1cluding 8ankruptcy Court. Mortgagor agrees to pay to Mortgagee all expenses and costs of such action. including, if permitted by law.
reasonable =::arneys' fees to the maximum extent permitted by law.
Remeoies Cumulative. If any circumstance exists which would permit Mortgagee to accelerate the balance, Mortgagee may take such action at any
:ime durinS' :. ....Ich such c::-cumstance continues to exist. Mortgagee'<; remedies under this Mortgage shall be cumulative and not alternative.
Delay In Enforcement. 'Mortgagee can delay In enforCIng any of its rights under this Mortgage or the Note WIthout losing that right. Any waiver by
,'v1ortgagee ':: 3ny proviSIon of ,this Mortgage or the Note will not be a waiver of the same or any other provision on any other occasion.
Assignment. Mortgagee may sell. transfer or assign this Mortgage Without Mortgagor's consent.
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Vi:n:s:;EOAss,~~~'~;~I~~;J~:~:;:;:set forth above. Intendln::rt::~::: bO#JttJ. .~
. ,/. '. J,/ . . DAVID Ii RY D~
Vitnes""-/ /' JtJ t1 7 ! .L-<:.-6'.d~ . Mortgagor ./ l-,L c' ~.U' - . 'r r:u("l
./ - ACKNOWLEDGMENT VICKIE L RYNAR
TATE OF PE",.~SYLVANIA )
J ) SS:
OUNTY OF Q....c"",,'o " '-\.CL '^ .) a"V-
On this \~"'1J-- day of Vd . 19~, before me. . \-.,,\..."<. O. <:::'hu."'"'-c<"I
:tt. und~(signed ~ficer' (who. certifies that he/sh,e is not a?1officer or qirector of PNC Bank, National Association), personally appeared
u:::.V'c.1 uJ K,\t'\U...-c.1 n.,c.l Vlal~ L I<..YV'l'''V . . . . known to me
)r satisfactoni'l proven) to be the person(s) 'whose name(s) IS (are) subscribed to the wlthm Instrument and acknowledged that he/she/they executed
Ie same for tt':e purposes therein contained. ~
I n fitness Where~t~lill1r~~lIper set my na1d and offiCial seal. g. . '. .. '"
Silv~~~~?'ri:~~~~o~u~~~r~:dugl~Cunty Signature. 71/11/1 M . ," ._C:;>J .
My CommIssIon ExpIres June 14. 2001 Title ,,*J n{ 'J I~' '.
Member. PennsY!"Jnia Association of Notaries AFFIDAVIT OF' SUaSCRIHINli WII NI:.':>-~ J, " ..~1;".'
.\ ......
(00 not use if Mortgagor(s) acknowledged the Mortgage. Affidavit must be taken in county where Property is located.r '..
/-
Before -e. a ooti'\ry public (.....ho ci;rtifi~s that ne/sne is not an officer or director or PNC Bank. National Association), personally appeared
. the subscribing wItness to the within Mortgage. who being duly sworn
:cording to .~'.v. deposes and says that he/she was personally present at the execution of said Mortgage, saw the within named Mortgagor(s)
and
~n as his/her:their act and deed. and deliver said Mortgage for the purposes thereIn set forth; and that the name of this deponent affixed thereto as
bscribing ',\'ti":ess is of deponents own proper handwrrting,
forn to and subscribed before me this
Subscrrbing Witness
day of
,19_.
Itary Public
I.
~730
CERTlflCHEOf (l~SIDE"lGEO~ .
Pile ll' NK C(lN.C;T1~ii:R LOAN ceNTER \::0,9,\ufD ,do hereby certify that the Mortgagee's precise residence is
LISERTY AVE PITTSBURGH, PA 15222
ATE OF PE';':SYLVANIA )
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UNTYOF v v,...... py- ~.~ )
1-- -Z.~ / day 0; 0 e-r--
:ORDED on :hls 7 v
j County, In Mortgage Book Volume f'+ / ' page ,.1_ / <-
rNESS my i"'lr!d and the seal of said office the day and year aforesaid.
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o PNCBAN<
Date of this Notice: May 5, 2004
DAVID W RYNARD
201 N YORK ST
MECHANICSBURG, PA 17055
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR HOME
FROM FORECLOSURE
This is an official notice that the mortgage on vour home is in default, and the lender intends to foreclose, Specific
infonnation about the nature of the default is provided in the attached pal1:es.
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) mav be able to hell! save your home.
This Notice explains how the prol1:ram works.
To see if HEMAP can help, vou must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30
DA Ys OF THE DATE OF THIS NOTICE. Take this Notice with you when vou meet with the Counseling Agency.
The name, address and phone number of Consumer Credit Agencies servinl1: vour County are listed at the end ofthis
Notice. If you have any Questions, vou may call the Pennsvlvania Housing Finance Agency toll free at 1-800-342-2397.
(Persons with impaired hearing 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 area. The local bar
association may be able to help you find a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A
CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTlFICACION
OBTENGA UNA TRADUCCION INMEDIT AMENTE LLAMANDO EST A AGENCIA (PENNSYLVANIA HOUSING
FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN
PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE
PROGRAM" EL CUAL PUEDE SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU
HIPOTECA.
HOMEOWNER'S NAME: DAVID W RYNARD 1 VICKIE L RYNARD
PROPERTY ADDRESS: 201 N YORK ST, MECHANICSBURG, PA 17055
LOAN ACCT. NO.: 040-01-80118]0506
ORIGINAL LENDER: PNC
CURRENT LENDER/SERVICER: PNC Bank:. NA
A member of The PNC Financial Services Group
Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222
o PNCBAN<
HOM:EO~E~'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE 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.
TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay offoreclosure
on your mortgage for thirty (30) days trom the date of this Notice. During that time you must arrange and attend a "face-
to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. TillS MEETING
MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE
ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED
"HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO
DATE.
CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one ofthe consumer credit counseling
agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of
this meeting. The names. addresses and telephone numbers of designated consumer credit counseling agencies for the
county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-
face meeting. Advise your lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later in
this Notice (see following pages for specific infonnation about the nature of your default.) If you have tried and are
unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's
Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's
Emergency Program Application with one ofthe designated consumer counseling agencies listed at the end of this
Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in
submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or
postmarked within thirty (30) days of your face-to-face meeting.
YOU MUST FILE YOUR APPLICA TION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT
FOLLOW THE OTHER TIME PERIODS SET FORTH IN TillS LETTER, FORECLOSURE MAY PROCEED
AGAINST YOUR HOME IMMEDIA TEL Y AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE
WILL BE DENIED.
A member of The PNC Financial Services Group
Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222
o PNCBAN<
AGENCY ACTION -- Available funds for emergency mortgage assistance are vel)' limited. They will be disbursed
by the Agency under the eligilillity'criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty
(60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be
pursued against you if you have met the time requirements set forth above. You will be notified directly by the
Pennsylvania Housing Finance Agency of its decision on your application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF APETlTlON IN BANKRUPTCY,
THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD
NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT,
(If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.)
HOW TO CURE YOUR MORTGAGE DEFAULT (Brinl! it UP to date):
NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at:
201 N YORK ST, MECHANICSBURG, PA 17055
IS SERIOUSLY IN DEFAULT because:
YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following
amounts are now past due:
Monthlv payments in the amounts of $560.54 for each of the months from March 2004 throullh Mav 2004.
Other charges (explain/itemize): Late Charlles for $28.02
TOTAL AMOUNT PAST DUE: $1.670.26
HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice
BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $1.670.26. PLUS ANY
MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAYS
PERIOD. Pavments must be made either by cash. cashier's check. certified check or money order made payable and sent
to:
PNC Bank. NA. 2730 Liberty Avenue, 2'. Floor. Mailstop: P5-PWLC-02-I. Pittsburgh. PA 15222
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 ril!hts to accelerate the mortl!al!e debt. This means that the entire
outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in
monthly installments. Iffull payment of the total amount past due is not made within THIRTY (30) DAYS, the lender
also intends to instruct its attorneys to start legal action to foreclose upon vour mortl!al!ed properly.
IF THE MORTGAGE IS FORECLOSED UPON - The mortgage property will be sold by the Sheriff to pay off the
mortgage debt., If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal
proceedings against you, you will stil,1 be required to pay the reasonable attorney's fees actually incurred, up to $50.00.
However, if legal proceedings are started against you, you will have to pay all reasonable attorney 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. Ifvou cure tbe default within the THIRTY (30) DAY period. vou will not
be required to pav attorney fees.
OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other
sums due under the mo.(t~~r of The PNC Financial Services Group
Consumer Loan Center 2730 liberty Avenue Pittsburgh Pennsylvania 15222
o PNCBAN<
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 proceedings have begun, vou still have the right to cure the default and
prevent the sale at anv time UP to one hour before the Sheriffs Sale. You mav do so by paving the total amount then past
due. plus any late or other charges then due. reasonable attorney's fees and costs connected with the foreclosure sale and
anv other costs connected with Sheriffs Sale as specified in writing by the lender and by performin{! anv other
requirements under the mort{!age, Curing your default in ,the manner set forth in this notice will restore your
mortgage to the same position as if you had never defaulted.
EARLIEST POSSffiLE SHERIFF'S SALE DATE -It is estimated that the earliest date that such a Sheriffs Sale of
the mortgaged property could be held would be approximately six months from the Date of this Notice, A notice of
the actual date ofthe Sheriff s Sale will be sent to you before the sale. Of course, the amount needed to cure the default
will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by
contacting the lender.
HOW TO CONTACT THE LENDER:
Name of Lender: PNC Bank, NA
Address: 2730 Liberty Avenue. 2'" Floor, MaiIstop: P5-PWLC-02-I, Pittsbur{!h. PA 15222
Phone Number: (412) 762-8048 or 1-800-878-0027
Contact Person: Beatrice Grates
EFFECt OF SHERIFF'S SALE - You should realize that a Sheriff s Sale will end your ownership of the mortgaged
property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove
you and your furnishings and other belongings could be started by the lender at any time.
ASSUMPTION OF MORTGAGE - You may not sell or transfer your home to a buyer or transferee who will assume
the mortgage debt.
YOU MAY ALSO HAVE THE RIGHT:
. TO SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE DEBTOR 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 YEAR.)
. TO ASSERT THE NONEXISTENCE OF A DEF AUL T IN ANY FORECLOSURE PROCEEDING OR ANY
OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS.
. TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MA Y HAVE TO SUCH ACTION BY THE
LENDER.
. TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
Very truly yours,
cc: I" Class U.S. Mail, postage prepaid
CONSUMER CREDIT-'<il0\6NSE1bI/IM:AGEIDmS<S~NG YOUR COUNTY (see attached)
Consumer Loan Center 2730 Uberty Avenue Pittsburgh Pennsylvania 15222
Arlene West
PNC Bank, National Association
~ PNCBAN<
Date of this Notice: May 5, 2004
VICKIE L RYNARD
201 N YORK ST
MECHANICSBURG, PA
17055
ACT 91 NOTICE
TAKE ACTION TO SAVE YOUR HOME
FROM FORECLOSURE
This is an official notice that the mortgage on your home is in default. and the lender intends to foreclose. Specific
infonnation about the nature of the default is provided in the attached pages.
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) mav be able to help save vour home.
This Notice explains how the program works.
To see if HEMAP can help. you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30
DA YS OF THE DATE OF THIS NOTICE. Take this Notice with vou when you meet with the Counseling Agencv.
The name. address and phone number of Consumer Credit Agencies serving your County are listed at the end ofthis
Notice. If you have anv questions. YOU may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397.
(Persons with impaired hearing can call (717) 780- \ 869).
This Notice contains important legal infonnation. 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 area. The local bar
association may be able to help you find a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A
CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTlFICACION
OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING
FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN
PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE
PROGRAM" EL CUAL PUEDE SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A REDlMIR SU
HIPOTECA.
HOMEOWNER'S NAME:
PROPERTY ADDRESS:
LOAN ACCT. NO.:
ORIGINAL LENDER:
CURRENT LENDER/SERVICER:
VICKIE L RYNARD
201 N YORK ST. MECHANICSBURG, PA
040-01-8011810506
17055
A member of The PNC Financial Servkes Group
Consumer Loan Center 2730 Liberty Avenue Pittsburgh Pennsylvania 15222
o PNCBAN<
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAYBE ELIGIBLE FOR FINANCIAL ASSISTANCE WillCH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE 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.
TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of foreclosure
on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-
to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. TillS MEETING
MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE
ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED
"HOW TO CURE YOUR MORTGAGE DEFAULT". EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO
DATE.
CONSUMER CREDIT COUNSELING AGENCIES --If you meet with one of the consumer credit counseling
agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of
this meeting. The names. addresses and telephone numbers of designated consumer credit counseling agencies for the
county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-
face meeting. Advise your lender immediatelv of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later in
this Notice (see following pages for specific infonnation about the nature of your default.) If you have tried and are
unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's
Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's
Emergency Program Application with one of the designated consumer counseling agencies listed at the end of this
Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in
submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or
postmarked within thirty (30) days of your face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT
FOLLOW THE OTHER TIME PERIODS SET FORTH IN TillS LETTER, FORECLOSURE MAY PROCEED
AGAINST YOUR HOME IMMEDIA TEL Y AND YOUR APPLlCA nON FOR MORTGAGE ASSISTANCE
WILL BE DENIED.
A member of The PNC Financial Services Group
Consumer Loan Center 2730 liberty Avenue Pittsburgh Pennsylvania 15222
o PNCBAN<
AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited, They will be disbursed
by the Agency under the eligil:iility'criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty
(60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be
pursued against you if you have met the time requirements set forth above. You will be notified directly by the
Pennsylvania Housing Finance Agency of its decision on your application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF APETITION IN BANKRUPTCY,
THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD
NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT.
(If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.)
HOW TO CURE YOUR MORTGAGE DEFAULT (Brin!! it UP to date):
NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at:
201 N YORK ST, MECHANICSBURG, PA 17055
IS SERIOUSLY IN DEFAULT because:
YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following
amounts are now past due:
Month Iv oavments in the amounts of $560.54 for each of the months from March 2004 through LAS 1.
Other charges (explain/itemize): Late Charges for $28.02
TOTAL AMOUNT PAST DUE: $1.670.26
HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this notice
BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH [S $1.670.26. PLUS ANY
MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAYS
PERIOD. Pavments must be made either by cash. cashier's check. certified check or monev order made pavable and sent
to:
PNC Bank. NA. 2730 Liberty Avenue. 2"" Floor. Mailstop: P5-PWLC-02-1. Pittsburgh, PA 15222
IF YOU DO NOT CURE THE DEFAULT - [fyou do not cure the default within TH[RTY (30) DAYS of the date of
this Notice, the lender intends to exercise its ri!!hts to accelerate the mort!!a!!e debt. This means that the entire
outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in
monthly installments. Iffull payment ofthe total amount past due is not made within THIRTY (30) DAYS, the lender
also intends to instruct its attorneys to start legal action to foreclose upon your mort!!a!!ed property.
IF THE MORTGAGE IS FORECLOSED UPON - The mortgage property will be sold by the Sheriff to pay off the
mortgage debt. If the lerider refers your case to its attorneys, 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 actually incurred, up to $50.00.
However, if legal proceedings are started against you, you will have to pay all reasonable attorney 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 period, you will not
be required to pay attorney fees.
OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other
sums due under the mO~~er of The PNC Financial Services Group
Consumer Loan Center 2730 liberty Avenue Pittsburgh Pennsylvania 15222
o PNCBAN<
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 proceedings have begun, vou still have the right to cure the default and
prevent the sale at any time up to one hour before the Sheriff's Sale, You mav do so bv paying the total amount then past
due, plus any late or other charges then due, reasonable attornev's fees and costs connected with the foreclosure sale and
any other costs connected with Sheriff's Sale as specified in writing by the lender and bv performing anv other
requirements under the mortgage. Curing your default i~ the manner set forth in this notice will restore your
mortgage to the same position as if you had never defaulted.
EARLIEST POSSffiLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale of
the mortgaged property could be held would be approximately six months from the Date oftbis Notice. A notice of
the actual date ofthe Sheriffs Sale will be sent to you before the sale. Of course; the amount needed to cure the default
will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by
contacting the lender.
HOW TO CONTACT THE LENDER:
Name of Lender: PNC Bank, NA
Address: 2730 Liberty Avenue. 2nd Floor, Mailstop: P5-PWLC-02-1. Pittsburgh, PA 15222
Phone Number: (412) 76 or 1-800-878-0027
Contact Person: Beatrice Grates
EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's Sale will end your ownership of the mortgaged
property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove
you and your furnishings and other belongings could be started by the lender at any time.
ASSUMPTION OF MORTGAGE - You may not sell or transfer your home to a buyer or transferee who will assume
the mortgage debt.
YOU MAY ALSO HAVE THE RIGHT:
. TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAYOFF 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 YEAR.)
. TO ASSERT THE NONEXISTENCE OF A DEF AUL T IN ANY FORECLOSURE PROCEEDING OR ANY
OTHER LA WSUIT 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.
Very tru Iy yours,
Arlene West
PNC Bank, National Association
cc: I" Class U.S. Mail, postage prepaid
CONSUMER CREDIT ~UNBW.lN6FAGEll'~llOS.~VING YOUR COUNTY (see attached)
Consumer Loan Center 2730 liberty Avenue Pittsburgh Pennsylvania 15222
Cumberland County
Urban League of Metro~olitan Harrisburg
2107N6 St
Harrisburg,PA 17101
(717) 234-5925
Fax (717) 232-4985
YWCA of Carlisle
301 G St
Carlisle, PA 17013
(717) 243-3818
Fax (717) 243-3948
Consumer Credit Counseling Service
2000 Ling1estown Rd
Harrisburg, PA 17102
(717) 541-1757
Financial Counseling Service of Franklin County
. 31 W3rdSt
Waynesboro, P A 17268
(717) 762-3285
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
PNC BANK, NATIONAL ASSOCIATION,
CIVIL DIVISION
Plaintiff ,
No. 04-5150 Civil Term
vs.
DAVID W. RYNARD and
VICKIE L. RYNARD,
PRAECIPE TO SETTLE AND
DISCONTINUE WITHOUT PREJUDICE
Defendants,
Filed on behalf of PNC BANK,
NATIONAL ASSOCIATION, Plaintiff
Counsel of record for this party:
Brett A. Solomon, Esquire
Pa. I.D. No. 83746
TUCKER ARENSBERG, P.C.
Firm #287
1500 One PPG Place
Pittsburgh, Pennsylvania 15222
Telephone: (412) 566-1212
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
PNC BANK, NATIONAL ASSOCIATION, )
)
Plaintiff, )
)
vs. )
)
DAVID W. RYNARD and )
VICKIE L. RYNARD, )
)
Defendant. )
CIVIL DIVISION
No. 04-5150 Civil Term
PRAECIPE TO SElTLE AND DISCONTINUE WITHOUT PREJUDICE
TO: PROTHONOTARY, CUMBERLAND COUNTY
Kindly settle and discontinue, without prejudice, the action filed in the above-captioned
matter in favor of the Plaintiff, PNC Bank, National Association, and against the Defendants,
David W, Rynard and Vickie L. Rynard.
Sworn to~nd subscribed before\~e
this 0 day of ~ fyf;.l~~ , 2004.
By:
T7J;fRG' P.C.
Brett A. Solomon, Esquire
Pa. 1.0. No. 83746
1500 One PPG Place
Pittsburgh, Pennsylvania 15222
(412) 566-1212
~ OOL\ G {\r\\> (~(
Notary Public
COMMONWEALTH OF PENNSYLVANIA
Notarial Seal \
Kelly J. Mizak, Notary Public:
City of Pittsblqb, AIIegIImy County
My ~ &pR:s May 23, 200'
......., ~ ~AfiIm "" ~
My Commission Expires:
BANK_FIN:235720-1
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SHERIFF'S RETURN - REGULAR
CASE NO: 2004-05150 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PNC BANK NATIONAL ASSOCIATION
VS
RYNARD DAVID W ET AL
ROBERT BITNER
, Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
RYNARD DAVID W
the
DEFENDANT
, at 1945:00 HOURS, on the 18th day of October ,2004
at 201 NORTH YORK STREET
MECHANICSBURG, PA 17055
by handing to
a true and attested copy of COMPLAINT - MORT FORE
together with
VICKIE L RYNARD
ADULT IN CHARGE
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
18.00
7.40
.00
10.00
.00
35.40
.r~~,~~
R. Thomas Kline '
10/19/2004
TUCKER ARENS BERG
Sworn and Subscribed to before
. c;:;
me /5.~n s '-I - day of
~ -2tJ1J5 A.D.
C).x';tl2o?::/'~ ~
BY'-=4~- \3~
Deputy Sheriff
SHERIFF'S RETURN - REGULAR
CASE NO: 2004-05150 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PNC BANK NATIONAL ASSOCIATION
VS
RYNARD DAVID W ET AL
ROBERT BITNER
, Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
RYNARD VICKIE L
the
DEFENDANT
, at 1945:00 HOURS, on the 18th day of October , 2004
at 201 NORTH YORK STREET
a true and attested copy of COMPLAINT - MORT FORE
together with
MECHANICSBURG, PA 17055
by handing to
VICKIE L RYNARD
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
6.00
.00
.00
10.00
.00
16.00
r;;:.1"e
R. Thomas Kline
, ,//1;
~-':J. -" :;.?:
,_</ ,.J-:;~'~ :,~,'_;~~,-.c:t>~i~~-:Y'
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10/19/2004
TUCKER ARENSBERG
Sworn and Subscribed to before
B~6~
Deputy Sheriff
t:!>
me this ~~ day of
Lh~"1 dlbV>' A.D.
~ U2 FYU ;~h.J .. O,,~
Prothonotary I TJ